कथन

Okay, Sir. So, I will explain how the Government has taken a lot of steps towards giving general coverage for the common people. म§ उसम¤ एक िवषय जłर कहना चाह रही हóं । On affordable insurance schemes like the Jeevan Jyoti Suraksha Bima Yojana, we have seen 81 crore enrolments 16.12.2025 1224 and we have settled the claims to the beneficiaries to the tune of Rs. 23,440 crore. So, those schemes which are aimed at the common poor citizens of India, are getting them their money back when unfortunate incidents happen and the policy has to be invoked. Ayushman Bharat Jan Arogya Yojana has benefited 12 crore families. This scheme provides free medical care of up to Rs. 5 lakh per family per year to the poor and underprivileged. So, 12 crore families were benefitted. Further, this scheme has also been opened for senior citizens, and accordingly, more than 80 lakh senior citizens have been enrolled under the scheme and Rs. 56,401 crore has been settled to the beneficiaries under this senior citizens’ scheme. So, money has gone into the hands of people with whom they lived, meaning the senior citizens have lived. … (Interruptions) Sir, just to give a matter-of-fact data, currently, there are 74 insurance companies in the country, and out of these, 40 companies have FDI. I will give the numbers because hon. Member, Shri Lavu Srikrishna Devarayalu had asked me about the number of companies. I just want to highlight the fact about percentage of FDI and the number of insurance companies. As I said, a total of 74 insurance companies are there. In 10 of them, less than 26 per cent FDI is there. In 23 of them, between 26 per cent and 49 per cent FDI is there. In three of them, 49 per cent to 74 per cent FDI is there. There are four of them which have FDI at 74 per cent. So, I want to highlight this fact. This is another point which hon. Member Premachandran spoke and a few others have also spoken about. So, if there is a need for growing protection through insurance in this 16.12.2025 1225 country, we need to have insurance more accessible. Enhancing FDI limit through Section 3 AA of the Bill to 100 per cent will enable global insurance to inject substantial capital directly, without waiting for domestic partner to invest capital in parallel. It is because we have heard a lot of these FDI people who want to come into this country searching for a joint venture partner. It is a mammoth effort. Now, by doing this, we are able to bring them to the country directly, and of course, all the Indian laws which are passed by this Parliament for LIC or insurance will apply to them. They are not coming to be without any regulation on them. There was this question, “why are we rushing this Bill?” This has been in discussion for quite some time. This Bill, of course, was put up to the Members through the portal even on the 14th. We are discussing the provisions of the Bill extensively now for almost four hours. On the transparency point, I just want to highlight this. All life and health insurance companies are required to calculate and publish their claims settlement ratios annually. It is a compulsion on them. This data is also collated and published by the insurance regulator in its Annual Report. So, there is no way that the details will remain secretive. It is for us to use and look at their websites. Every quarter they keep updating it, particularly health and life insurance. Sir, I had given the data of different Bima Yojana. But there was a particular question: Does it cover the people of Uttar Pradesh? I want to answer to a Member who was here. Jeevan Jyoti Bima Yojana with a life insurance 16.12.2025 1226 premium of Rs. 436 annually has 3.21 crore enrolments only in Uttar Pradesh. Similarly, Suraksha Bima Yojana, which is an accident insurance at Rs. 20 per annum premium has 8.19 crore enrolments only in Uttar Pradesh. Ayushman Bharat Health Insurance which has Rs. 5 lakh health insurance has 7.43 crore beneficiaries and 67 lakh plus claims have already been settled only in Uttar Pradesh. उधर 7.43 करोड़ बेिनिफशरीज आयुÕमान भारत म¤ ह§ । In Uttar Pradesh, 15 lakh plus farmers are covered under Fasal Bima Yojana. … (Interruptions) … (Óयवधान) यूपी के अÅय± ह§, so he can take it further. … (Interruptions) … म§ डाटा दे रही हóं । Sir, quite a few questions have been raised about the Fasal Bima Yojanaa that it is not effective. I just want to place the two options that are available for the sake of clarity. One is the traditional Fasal Bima Yojana, where the insurance company bears the full claim and also retains the entire premium. That is one option. The second option is what is called the Cup and Cap Model. There are two variants under this model – 80 to 110 or 60 to 130. Under these, the liability of the insurance company is capped at a fixed percentage, either 110 per cent or 130 per cent. If the claims go beyond this limit, the State Government has to bear the additional liability. Conversely, if the claims fall well below a certain percentage – 80 per cent or 60 per cent – the difference between this threshold and the actual claim ratio has to be borne and returned by the insurance companies. The States can make a choice at the time of floating the tenders. They can decide whether they want to be in one model or the other. 16.12.2025 1227 We have Hon. Supriya Sule ji, who normally comes with quite a lot of details when she asks a question. Maharashtra and Uttar Pradesh both operate the Fasal Bima Yojana on the 80 to 110 Cup and Cap Model. So, in that case, it will be for the insurance companies to bear the difference. The concern regarding data protection is a very legitimate concern. Some Members did raise it. I just want to state that this Bill mandates the regulator or its authorised agencies to collect the KYC data of the policyholders. The collection of this data will be in full compliance with the provisions of the Digital Personal Data Protection Act. The provisions contained in the Bill will help in safeguarding the sensitive KYC information of the policyholder. Any sharing of information will be only with the express consent of the policyholder; otherwise, it will not be possible. The aim is to create insurance data repositories which will help insurance companies to underwrite policies better and to prevent insurance frauds. These will be similar to credit information companies, the much-maligned ones which are now also getting corrected, like CIBIL in the banking sector. But this will be run more efficiently. Without explicit permission, no data will be collected. I think I have addressed most of the concerns raised by N. K. Premachandran ji. Sir, again, there is a concern about insurance agents. There are 14 lakh insurance agents in this country, and their livelihood needs to be protected. I want to highlight, that the Government values the service of all insurance agents. We value them; we respect them; and, therefore, we will do only that which is 16.12.2025 1228 going to help them. We also recognise their role in taking insurance products to the last mile. That is why, I want to thank the hon. Prime Minister for giving me a suggestion which we implemented in right earnest, with a view to initiating and bringing in this initiative of LIC called ‘Beema Sakhi’. This is one of the most appreciated schemes which has benefited women. The hon. Prime Minister launched it in December, 2024, under which close to two lakh women have been trained and deployed as agents. They can increase insurance coverage and take insurance products to every household, especially to cover women who are often left out of the protection net that insurance schemes can offer. So, on the issue of in surance agents, we are with you; we appreciate your concern; and we value them as well. Sir, the Government also recognises the role of LIC. We have heard many Members speak, and rightly so, about the huge role of LIC in development, and the need to protect it. Of course, we want to protect it. We want to increase its reach. The Government recognizes the role of the LIC and it is through this Bill that we are trying to empower the LIC. That is why I explained that zonal offices do not need to wait for the Government to give them permission. They can go ahead. We are giving a lot of professional liberty to the LIC and this will actually mean the LIC will have greater autonomy in its operations and capabilities. As for clause 71, I think I have already explained it. There was this question which is a very important point. I want to highlight this. An hon. Member expressed certain misgivings about the proposed amendments. Let me clarify that this is an existing section. There is no attempt to dilute the said provision in 16.12.2025 1229 Clause 71 section 116. On the contrary, the proposed amendment brings in greater transparency. Therefore, the apprehensions of the hon. Member are unfounded. I would like to draw the attention of the hon. Members to section 116 of the current Act where there is no requirement for the Central Government to place notifications granting such an exemption before the Parliament. As the law prevails today, there is no need for me to come and lay any details to the Parliament under section 116. But what this proposed amendment is actually doing is that it is inserting a sub-section 2 to section 116 where any such order passed by the Central Government shall be laid before each House of the Parliament. That is the insertion we are making. This is a mission to bring more transparency and I hope that the hon. Member will appreciate that the proposed amendment for making the Executive more accountable to the Legislature. That is what we are doing now by introducing the section. Sir, I come to my last two points. It was one of the hon. Members’ observations that States were not consulted on the draft amendments. The draft amendments were shared with all States and Union Territories in a letter dated 26.11.2024, that is one year ago. We had given that for their comments and suggestions. States were consulted. Extensive stakeholders’ consultations other than the States were also held with insurers, regulators, industry bodies, and public through the website of the Department of Financial Services. So, it will not be correct to say that we have not held stakeholder consultations. Sir, I have mentioned about the money which was infused to make the 16.12.2025 1230 companies profitable and that has given them a lot of market reach. There was a concern that public sector is weakening; private companies are coming to capture the market. No Sir, we have constantly supported our own companies. I told about Rs.17,450 crore which have been infused into these institutions. Today, they are all turning around and making profits. With this, I hope I have addressed all the concerns and questions raised by the hon. Members and I appeal to you that we pass this Bill. माननीय अÅय± : ÿÔन यह है : “िक बीमा अिधिनयम, 1938, जीवन बीमा िनगम अिधिनयम, 1956 और बीमा िविनयामक और िवकास ÿािधकरण अिधिनयम, 1999 का और संशोधन करने वाले िवधेयक पर िवचार िकया जाए ।” ÿÖताव Öवीकृत हòआ । माननीय अÅय± : अब सभा िवधेयक पर खंडवार िवचार करेगी । ÿij यह है : “िक खंड 2 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 2 िवधेयक म¤ जोड़ िदया गया । CLAUSE 3 Amendment of section 2 माननीय अÅय± : ®ी एन.के. ÿेमचÆþन जी, ³या आप संशोधन सं´या 1 से 3 ÿÖतुत करना चाहते ह§? SHRI N. K. PREMACHANDRAN (KOLLAM): Sir, in clause 3, there are three amendments. That is along with the hospitalization. This may also be added because it includes all the expenses for treatment, both as in-patients and out- 16.12.2025 1231 patients, including modern medicine and AYUSH. For the time being, AYUSH is not covered under this hospitalization. So, this may also be covered so that the customers may be benefitted. That amendment may be accepted. It is a harmless amendment. माननीय अÅय± : ³या आप संशोधन सं´या 1 से 3 ÿÖतुत करना चाहते ह§? SHRI N. K. PREMACHANDRAN (KOLLAM): Sir, I beg to move: Page 2, line 41,- after “hospitalisation” insert “or the expense for treatment both as inpatient and outpatient including modern and AYUSH”. (1) Page 3, line 4,- after “hospitalisation” insert “or the expense for treatment both as inpatient and outpatient including modern medicine and AYUSH”.(2) Page 4, line 1,- after “agents” insert “or insurance agents of all categories”. (3) माननीय अÅय± : अब म§ ®ी एन.के. ÿेमचÆþन जी Ĭारा खंड 3 म¤ ÿÖतुत संशोधन सं´या 1 से 3 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखे गए तथा अÖवीकृत हòए । माननीय अÅय± : ÿij यह है : “िक खंड 3 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । 16.12.2025 1232 खंड 3 िवधेयक म¤ जोड़ िदया गया । CLAUSE 4 Amendment of section 2C माननीय अÅय± : डॉ.टी. सुमित जी, ³या आप संशोधन सं´या 19 ÿÖतुत करना चाहती ह§? DR. T. SUMATHY ALIAS THAMIZHACHI THANGAPANDIAN (CHENNAI SOUTH): Sir, I am not moving the amendment. माननीय अÅय± : ÿij यह है : “िक खंड 4 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 4 िवधेयक म¤ जोड़ िदया गया । CLAUSE 5 Amendment of section 2CA माननीय अÅय± : ®ी एन.के. ÿेमचÆþन जी, ³या आप संशोधन सं´या 4 ÿÖतुत करना चाहते ह§? SHRI N.K. PREMACHANDRAN (KOLLAM): Sir, I am moving the Amendment. Insurance intermediary includes … (Interruptions) Sir, I beg to move: Page 5, line 25,- for “shall not apply” substitute “shall apply” (4) माननीय अÅय± : अब म§ ®ी एन.के. ÿेमचÆþन जी Ĭारा खंड 5 म¤ ÿÖतुत संशोधन सं´या 4 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 5 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । 16.12.2025 1233 खंड 5 िवधेयक म¤ जोड़ िदया गया । CLAUSE 6 Amendment of section 3 माननीय अÅय± : ®ी एन.के. ÿेमचÆþन जी, ³या आप संशोधन सं´या 5 ÿÖतुत करना चाहते ह§? SHRI N.K. PREMACHANDRAN (KOLLAM): Sir, along with financial condition, qualification or experience in the insurance sector may also be a … (Interruptions) I am moving the amendment. Sir, I beg to move: Page 5, line 43,- after “financial condition” insert “,experience in the insurance sector”.(5) माननीय अÅय± : अब म§ ®ी एन.के. ÿेमचÆþन जी Ĭारा खंड 6 म¤ ÿÖतुत संशोधन सं´या 5 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 6 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 6 िवधेयक म¤ जोड़ िदया गया । CLAUSE 7 Insertion of new section 3AA माननीय अÅय± : ®ी एन.के. ÿेमचÆþन जी, ³या आप संशोधन सं´या 6 से 8 ÿÖतुत करना चाहते ह§? SHRI N.K. PREMACHANDRAN (KOLLAM): The FDI limit may be brought down to 49 per cent. That is my amendment. I beg to move: 16.12.2025 1234 Page 6, line 19,- for “may extend upto one hundredper cent” substitute “shall be limited upto forty nine per cent” (6) Page 6, lines 23 and 24,- for “may extend upto one hundredper cent” substitute “shall be limited upto forty nine per cent” (7) Page 6, line 24,- for “insurance sector” substitute “public sector insurance”. (8) माननीय अÅय± : अब म§ ®ी एन.के. ÿेमचÆþन जी Ĭारा खंड 7 म¤ ÿÖतुत संशोधन सं´या 6 से 8 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखे गए तथा अÖवीकृत हòए । माननीय अÅय± : एडवोकेट चÆþ शेखर जी, ³या आप संशोधन सं´या 11 ÿÖतुत करना चाहते ह§? ADV. CHANDRA SHEKHAR (NAGINA): Sir, I am moving the amendment. Sir, I beg to move: Page 6, line 19,- for “one hundred” substitute “seventy-six” (11) माननीय अÅय± : अब म§ एडवोकेट चÆþ शेखर जी Ĭारा खंड 7 म¤ ÿÖतुत संशोधन सं´या 11 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । 16.12.2025 1235 माननीय अÅय± : ®ी बेनी बेहनन - उपिÖथत नहé I डॉ.टी. सुमित जी, ³या आप संशोधन सं´या 20 और 21 ÿÖतुत करना चाहती ह§? DR. T. SUMATHY ALIAS THAMIZHACHI THANGAPANDIAN (CHENNAI SOUTH): Sir, I am moving the amendment: Sir, I beg to move: Page 6, line 19,- for “may extend upto one hundred per cent” substitute “, subject to prior approval of Parliament by a resolution and mandatory consultation with State Governments,”. (20) Page 6, after line 21,- insert “Provided that no foreign investor shall exercise controlling interest in matters affecting policyholder protection, pricing of health insurance products, or social sector obligations.”. (21) माननीय अÅय± : अब म§ डॉ. टी. सुमित जी Ĭारा खंड 7 म¤ ÿÖतुत संशोधन सं´या 20 और 21 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखे गए तथा अÖवीकृत हòए । माननीय अÅय± : ÿij यह है : “िक खंड 7 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । 16.12.2025 1236 खंड 7 िवधेयक म¤ जोड़ िदया गया । CLAUSE 8 Amendment of section 6 माननीय अÅय± : एडवोकेट चÆþ शेखर जी, ³या आप संशोधन सं´या 13 ÿÖतुत करना चाहते ह§? ADV. CHANDRA SHEKHAR (NAGINA): Sir, Sir, I beg to move: Page 6, line 33,- for “one thousand crore,” substitute “ten thousand crore”. (13) सर, एक हजार करोड़ Łपये वालŌ को मौका िदया जा रहा है । मेरी मांग है िक इसको 10 हजार करोड़ Łपये िकया जाए । माननीय अÅय± : आप 10 हजार करोड़ Łपये का ³या कर¤गे? ...(Óयवधान) माननीय अÅय± : अब म§ एडवोकेट चÆþ शेखर जी Ĭारा खंड 8 म¤ ÿÖतुत संशोधन सं´या 13 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 8 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 8 िवधेयक म¤ जोड़ िदया गया । खंड 9 से 14 िवधेयक म¤ जोड़ िदए गए । CLAUSE 15 Substitution of new sections for section 14 माननीय अÅय± : ®ी एन.के.ÿेमचÆþन जी, ³या आप संशोधन सं´या 9 ÿÖतुत करना चाहते ह§? 16.12.2025 1237 SHRI N. K. PREMACHANDRAN (KOLLAM): Sir, before rejecting the claim of settlement, a reasonable opportunity of being heard be provided to the claimant. I beg to move: Page 8, line 22, - after “date of rejection” insert “with evidence that reasonable opportunity of being heard has been given to the claimant before rejection of claim”. (9) माननीय अÅय±: अब म§ ®ी एन. के. ÿेमचÆþन Ĭारा खंड 15 म¤ ÿÖतुत संशोधन सं´या 9 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 15 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 15 िवधेयक म¤ जोड़ िदया गया । खंड 16 से 19 िवधेयक म¤ जोड़ िदए गए । CLAUSE 20 Substitution of new section for section 27 माननीय अÅय± : डॉ. टी.सुमित जी, ³या आप संशोधन सं´या 22 ÿÖतुत करना चाहती ह§? DR. T. SUMATHY ALIAS THAMIZHACHI THANGAPANDIAN (CHENNAI SOUTH): Sir, I beg to move: Page 11, line 12, - after “social sector,” 16.12.2025 1238 insert “including State-specific social security, public health insurance schemes and rural insurance programmes,”. (22) माननीय अÅय±: अब म§ डॉ. टी. सुमित जी Ĭारा खंड 20 म¤ ÿÖतुत संशोधन सं´या 22 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 20 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 20 िवधेयक म¤ जोड़ िदया गया । खंड 21 से 43 िवधेयक म¤ जोड़ िदए गए । CLAUSE 44 Amendment of section 51 माननीय अÅय± : ®ी के. राधाकृÕणन जी, ³या आप संशोधन सं´या 15 ÿÖतुत करना चाहते ह§? SHRI K. RADHAKRISHNAN (ALATHUR): Sir, I beg to move: Page 16, lines 43 and 44, - for “two hundred fifty rupees,” substitute “fifty rupees”. (15) माननीय अÅय±: अब म§ ®ी के. राधाकृÕणन जी Ĭारा खंड 44 म¤ ÿÖतुत संशोधन सं´या 15 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 44 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । 16.12.2025 1239 खंड 44 िवधेयक म¤ जोड़ िदया गया । खंड 45 से 67 िवधेयक म¤ जोड़ िदए गए । CLAUSE 68 Amendment of section 114A माननीय अÅय± : डॉ. टी.सुमित जी, ³या आप संशोधन सं´या 23 ÿÖतुत करना चाहती ह§? DR. T. SUMATHY ALIAS THAMIZHACHI THANGAPANDIAN (CHENNAI SOUTH): Sir, I beg to move: Page 20, after line 44, - insert “(d) ensuring representation of State Governments and policyholder groups while framing regulations having financial or social impact.”. (23) माननीय अÅय±: अब म§ डॉ. टी. सुमित जी Ĭारा खंड 68 म¤ ÿÖतुत संशोधन सं´या 23 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 68 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 68 िवधेयक म¤ जोड़ िदया गया । खंड 69 और 70 िवधेयक म¤ जोड़ िदए गए । CLAUSE 71 Substitution of new section for section 116 माननीय अÅय± : एडवोकेट चÆþ शेखर जी, ³या आप संशोधन सं´या 16 ÿÖतुत करना चाहते ह§? … (Óयवधान) 16.12.2025 1240 एडवोकेट चÆþ शेखर (नगीना) : सर, ये खुद तो कुछ सीखते नहé ह§ और अगर कोई सीख रहा है तो ऐसे म¤ म§ ³या कर सकता हóँ? सर, म§ यह कह रहा हóँ िक इस ³लॉज म¤ यह कहा गया है िक पािलªयाम¤ट म¤ छूट देने के बाद हम लोग रख¤गे । मेरी राय है िक इसे पािलªयाम¤ट के दोनŌ सदनŌ म¤ रखा जाए और उसके बाद छूट दी जाए । I beg to move: Page 23, line 14, - after “Parliament” insert “and such order shall have no effect unless each House of Parliament passes Resolution approving the order within fifteen days from the date of its laying”. (16) माननीय अÅय±: अब म§ एडवोकेट चÆþ शेखर जी Ĭारा खंड 71 म¤ ÿÖतुत संशोधन सं´या 16 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿij यह है : “िक खंड 71 िवधेयक का अंग बने ।” ÿÖताव Öवीकृत हòआ । खंड 71 िवधेयक म¤ जोड़ िदया गया । खंड 72 से 95 िवधेयक म¤ जोड़ िदए गए । CLAUSE 1 Short title and commencement माननीय अÅय± : ®ी के. राधाकृÕणन जी, ³या आप संशोधन सं´या 10 ÿÖतुत करना चाहते ह§? 16.12.2025 1241 SHRI K. RADHAKRISHNAN (ALATHUR): Sir, I am moving my amendment. I beg to move: Page 1, line 5 to 6,- for “Sabka Bima Sabki Raksha (Amendment Insurance Laws) Act, 2025” Substitute “Insurance Laws (Amendment) Act, 2025”. (10) माननीय अÅय± : अब म§ ®ी के. राधाकृÕणन Ĭारा खंड 1 म¤ ÿÖतुत संशोधन सं´या 10 को सभा के सम± मतदान के िलए रखता हóं । संशोधन मतदान के िलए रखा गया तथा अÖवीकृत हòआ । माननीय अÅय± : ÿÔन यह है : “िक खंड 1 िवधेयक का अंग बने” ÿÖताव Öवीकृत हòआ । खंड 1 िवधेयक म¤ जोड़ िदया गया । अिधिनयमन सूý और िवधेयक का पूरा नाम िवधेयक म¤ जोड़ िदए गए । माननीय अÅय± : मंýी जी ÿÖताव कर¤ िक िवधेयक को पाåरत िकया जाए ।

कब कहा 2025-12-16T00:00:00.000Z

किस वाद-विवाद में Ruling regarding Notices of Adjournment Motion