Ultra Low Power PLL Implementations Sudhanshu Khanna ECE7332 2011.
Presented by: Sudhanshu Kumar Jha:92 Sulagna Mukherjee:93
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Transcript of Presented by: Sudhanshu Kumar Jha:92 Sulagna Mukherjee:93
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Presented
By:Sudhanshu Kumar
Jha:92Sulagna
Mukherjee:93Sumit Sharma:94Sushil Tommar:95
Tarit Chatterjee:96Udit Grover:97
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Insurance is something that almost all of us willneed sometime, and it is worth understanding itbefore buying it.
Insurance is a form of risk-management which
spreads risk of many people in exchange for smallpayments from each. Specifically, insurancetransfers some type of risk (accident, theft, naturaldisaster, illness, etc) from one person or group to amore financially-sound entity in exchange for apayment (also known as a premium). Premiums are
often annual or monthly, but depending on thetype of insurance they can be at other intervals.
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- In 1956, 245 Indian and Foreign life insurers and provident societies
were nationalized, and new single entity namely LIC was established
by passing the LIC Act, 1956.
- Similarly, in 1972, 107 general insurers were nationalized through the
passing ofGeneral Insurance Business (Nationalisation) Act, 1972.- The existing 107 insurers were amalgamated and grouped into Five
companies, viz., National Insurance Company (NIC), New India
Assurance Company (NIAC), Oriental Insurance Company (OIC),
United India Insurance Company (UIIC), and General Insurance
Corporation (GIC).
- Then insurance industry transformed into monopoly and Oligopolistic
state or public sector insurance industry in India.
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5
INSURANCE INDUSTRY IN INDIA
Public Sector Private Sector
Life General Life( 16 Companies)
General(09 Companies)
GIC and
its Four
subsidiaries
LIC of IndiaPost Office
Insurance
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7/2002/06/10 7
-Several leading private sector companies have entered in the fieldof insurance sector, both in life and non-life insurance.-There are several MNCs, in Joint Venture with Indian private
sector firms, have started operations in a big way.Private Players in the Life Insurance Business
Regd.No.
Date ofRegd.
Name of theCompany
Who Owns it (in percentage)
101 23.10.00 HDFC Standard Life Standard Life, UK - 18 and HDFC 82
104 15.11.00 Max New York Life New York Life - 26 and Max India 74
105 24.11.00 ICICI Prudential Life Prudential, UK - 26 and ICICI Bank 74
107 10.01.01 Om Kotak Mahindra Old Maruthi, South Africa 26 and KotakMahindra 74
109 31.01.01 Birla Sunlife Sun Life of Canada26 and Birla Capital 74
110 12.02.01 Tata AIG AIG, US 26 and Tatas 74
111 30.03.01 SBI Life Cardif SA, France 26 and State Bank ofIndia 74
114 02.08.01 ING Vysya ING, Holland26 and GMR Group, Hyd54and ING Visya Bank20
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Regd.
No.
Date of
Regd.
Name of the Company Who Owns it (in percentage)
113 02.05.01 Bajaj Allianz
115 03.08.01 ICICI Lombard
106 04.12.00 IFFCO-Tokio
103 23.10.02 Reliance102 23.10.02 Royal Sundaram Alliance
108 22.01.01 Tata AIG
123 15.07.02 Cholamandalam
124 27.08.02 Export Credit Guarantee
125 27.08.02 HDFC Chubb
Private Players in the General Insurance Business
CURRENT SCENARIO contd.
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Life Insurance: Life insurance products include Term Lifepolicies, which give a pure risk coverage of only the death benefit,whereas endowment or money back policies have a risk as well assavings component i.e. death as well as maturity benefit.
General Insurance:NonLife insurance products includeproperty or casualty, health insurance or house, fire, marineinsurance etc.
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Aid To Thrift (economy):
Liquidity:
Tax Relief:
Money When you need it:
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Prier nationalization there were 68 Indian insurers (includingLIC) and 45 non-Indian insurers did the business.
In Nov. 1972, the general insurance business was nationalized bythe General Insurance Business (Nationalized), Act 1972(GIBNA) and vested in the hand of the GIC and its foursubsidiaries viz.1. National Insurance Co. Ltd.,
2. New India Assurance Co. Ltd.,3. Oriental Fire and General Insurance Co. Ltd., and4. United India Insurance Co. Ltd.
GIC was incorporated as a holding company in 1992. General Insurance Business is completely owned by the
government. The paid up capital of GIC was fully subscribed by the
Government and of four subsidiaries. It was controlled by a single organization with four subsidiaries.
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1. Central Govt. securities being not less than 20%
2. State Govt. securities and other government guaranteed
securities, including (1) above, being not less than 30%
3. Loans to HUDCO/DDA/GIC-HF and to state govts. For
housing and fire fighting equipment, not less than 15%
4. Market sector not more than 55%
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Motor Car Insurance: No longer a LuxuryBut a Necessity.
Eg: Insurance may be necessity for richerperson, or its may be luxury for poorperson.
(Mukesh Ambani vs. Rikshawala)
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People need insurance because theunexpected does happen. Whether it isa fire, a car wreck, illness or a death, thefinancial consequences can bedevastating if you are uninsured.Insurance helps people have peace ofmind when life's unexpected eventshappen.
Your need for life insurance changeswith the stages of your life, starting withno need when you're young, progressingto greater and greater levels as you takeon more and more responsibility and
finally beginning to diminish as you growolder, which is when you shouldcommence planning for your retirement.
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When you are single Double Income no kids Married with children
The golden years.
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Insurance: Necessity or luxury, Need orinvestment, Its time to decide because aswe have seen in this discussion thatInsurance is need but it may sometimeInvestment, as it is in the case of Necessityor luxury, Insurance is necessity but thosewho have no money, it will be luxury.
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www.insuremagic.com www.ehow.com www.articlesbase.com
www.images.google.co.in Prof. Abhijit Roy Prof. Abhishek Mittal
http://www.insuremagic.com/http://www.ehow.com/http://www.articlesbase.com/http://www.images.google.co.in/http://www.images.google.co.in/http://www.articlesbase.com/http://www.ehow.com/http://www.insuremagic.com/ -
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