Rajasthan High Court - Jodhpur

Kavita Apresh Bajpai vs Piyush Mal Kshatriya on 22 August, 2022

Bench: Madan Gopal Vyas

HIGH COURT OF JUDICATURE FOR RAJASTHAN AT JODHPUR S.B. Civil Misc. Appeal No. 1783/2020

1. Smt. Kavita Apresh Bajpai W/o Shri Apresh Kumar Bajpai, Aged About 43 Years, R/o Alok IV, Sardar Patel Ring Road, Ahmadabad.

2. Smt. Vijaya Bajpai W/o Shri Durga Prasad Bajpai, Aged About 73 Years, R/o Alok IV, Sardar Patel Ring Road, Ahmadabad.

----Appellants Versus

1. Piyush Mal Kshatriya S/o Shri Santosh Kumar Mal, At Present Village Pavla, Tehsil Bap, District Jodhpur. (Driver) (Dispensed with on 02.11.2020)

2. Rajesh Bajpai S/o Shri Durga Prasad Bajpai, R/o 20-

22, Mohmaya Nagar, Barai Road, Mundra Kachh, District Bhuj (Owner)

3. The New India Assurance Company Ltd., Through Its Divisional Manager, Abhay Chambers, Jalori Gate, Jodhpur (Insurer)

----Respondents

For Appellant(s) : Mr. Anil Kumar Bhandari For Respondent(s) : Mr. Narendra Kumar Joshi

HON'BLE MR. JUSTICE MADAN GOPAL VYAS

Judgment

Pronounced on 22/08/2022

01- /kkjk 173 eksVj okgu vf/kfu;e] 1988 ds rgr ;g vihy] vihykFkhZx.k&izkFkhZx.k us fo}ku fof'k"V U;k;k/kh'k] eksVj nq?kZVuk nkok vf/kdj.k] tks/kiqj egkuxj ds }kjk eksVj nq?kZVuk nkok la[;k [email protected] Jherh dfork vizs'k cktis;h vkfn cuke ih;w"key vkfn esa ikfjr fu.kZ;

(2 of 9) [CMA-1783/2020]

fnukad 15-09-2020 ds fo#) izLrqr dh gS] ftlds }kjk fo}ku vf/kdj.k us izkFkhZx.k dh vksj ls izLrqr Dyse ;kfpdk [kkfjt dhA 02- bl vihy ds fuLrkj.k gsrq izdj.k ds la{ksi esa rF; bl izdkj gSa fd vizkFkhZ la[;k 02 dh dkj uEcj GJ12-BR-5809 esa fnukad 15-05-2016 dks e`rd ukpuk ls ukpuk QkaVk tk jgk Fkk] rc bafnjk xka/kh eq[; ugj ls igys jkf= ds djhc 11-00&11-30 cts vizkFkhZ la[;k 01 dkj pkyd us dkj dks rst xfr o ykijokgh ls pyk;k rFkk dkj mlds fu;a=.k ls ckgj gks xbZ rFkk iyVh [kkdj [kEHks ls Vdjk xbZ vkSj ekSds ij gh vizs'k dqekj cktis;h dk fu/ku gks x;kA vuqla/kku ds i'pkr~ nq?kZVuk esa iqfyl us dkj pkyd dh ykijokgh o xyrh ekurs gq, mlds f[kykQ l{ke U;k;ky; esa vkjksi&i= izLrqr fd;kA nq?kZVuk ds le; e`rd dh mez 38 o"kZ] O;olk; egkek;k daLVªD'ku ,.M bUÝkLVªDpj dEiuh esa Hkkxhnkj rFkk VsdoqM izkWMDV~l dk funs'kd Fkk o ekfld vk; 50][email protected]&#i;s FkhA izkFkZuk&i= ds iSjk la[;k 25 esa of.kZr dqy 1]25]70][email protected]&#i;s eqvkots dh ekax dh xbZ gSA nq?kZVuk ds le; vizkFkhZ la[;k 01 dkj pkyd] vizkFkhZ la[;k 02 dkj dk iathd`r Lokeh] vizkFkhZ la[;k 03 ds ;gka nq?kZVukxzLr okgu chfer Fkk] blfy, izfrdj jkf'k dh vnk;xh gsrq vizkFkhZx.k la;qDr o i`Fkd&i`Fkd :i ls mRrjnk;h gSaA var esa izkFkhZx.k dk izkFkZuk&i= Lohdkj fd, tkus dk fuosnu fd;kA 03- vizkFkhZ la[;k 02 us tokc izLrqr dj Dyse izkFkZuk&i= ds iSjk la[;k 01 ls 04] 08] 09] 11] 16 ls 23 dks Lohdkj fd;kA nq?kZVuk ds rF; dks Lohdkj fd;k ysfdu ;g Hkh O;Dr fd;k fd nq?kZVuk vpkud dkj vfu;af=r gksus ls gqbZ] ftlesa okgu pkyd dh dksbZ ykijokgh ugha FkhA var esa tokc izLrqr dj fuosnu fd;k fd ;fn U;k;ky; bl fu"d"kZ ij igqaps fd

(3 of 9) [CMA-1783/2020]

nq?kZVuk okgu pkyd dh xyrh ls gqbZ gS rks eqvkotk jkf'k lank; djus dk mRrjnkf;Ro vizkFkhZ la[;k 03 chek dEiuh dk gksrk gSA 04- vizkFkhZ la[;k 03 chek dEiuh dh vksj ls tokc izLrqr dj izkjfEHkd vkifRr;ksa esa ;g O;Dr fd;k fd nq?kZVuk ds le; okgu pkyd ds ikl oS/k ,oa izHkkoh vuqKk i= ugha FkkA e`rd eksgek;k daLVªD'ku ,.M bUÝkLVªDpj dEiuh dk Hkkxhnkj Fkk ,oa dEiuh ds dk;Z ds fy, dkj dk iz;ksx dj jgk FkkA vr% ikWfylh ds vuqlkj e`rd izFke i{kdkj Fkk] blfy, og fdlh izdkj dh izfrdj jkf'k izkIr djus dk vf/kdkjh ugha gSA e`rd okgu dk ekfyd gh ekuk tk,xkA nq?kZVuk ds le; okgu esa e`rd ekfyd dh gSfl;r ls tk jgk FkkA Dyse ds lkFk Hkkxhnkjh MhM izLrqr ugha dh gSA Dyse izkFkZuk i= esa of.kZr rF;ksa dks vLohdkj djrs gq, ;g O;Dr fd;k fd e`rd dh vk; ckcr~ nLrkost is'k ugha fd, gSaA bude VSDl fjVuZ Hkkxhnkjh QeZ ds gSa] ysfdu Hkkxhnkjh MhM izLrqr ugha dhA tokc ds iSjk la[;k 09 ds vuqlkj ekeyk tks/kiqj ds {ks=kf/kdkj dk ugha gSA vr% tokc izLrqr dj Dyse izkFkZuk i= [kkfjt fd, tkus dk fuosnu fd;kA 05- i{kdkjku~ ds vfHkopuksa ds vk/kkj ij fo}ku vf/kdj.k us fnukad 14-10-2017 dks fuEufyf[kr fook|d fojfpr fd, %&

01- vk;k fnukad 15-05-2016 dks jkf= 11-00&11-30 cts banzk xk¡/kh eq[; ukgj ls igys ukpuk QkaVk jksM ij vizkFkhZ la[;k 1 us dkj la[;k GJ-12-BR-5809 dks rst xfr ykijokgh ls pykdj vfu;af=r gksdj iyVh f[kykdj o [kEcs ls Vdjk dj nq?kZVuk dkfjr dh ftlls dkj esa lokj vizs'k dqekj cktis;h ds lk/kkj.k o xaHkhj pksVsa dkfjr gqbZ vkSj bu pksVksa ds QyLo:i mldh e`R;q dkfjr gqbZ \ 02- D;k mDr okgu dk mDr pkyd] cjoä nq?kZVuk] fookfnr okgu dks okgu Lokeh foi{kh la- 02 dh [email protected]@fu;[email protected] esa pyk jgk Fkk \ 03- D;k foi{kh chek dEiuh dh tokcnkos esa vafdr vkifÙk;ka lkFkZd gS \ ;fn gka] rks D;k mä {kfriwfrZ jkf'k vnk djus ds fy, ftEesnkj ugha gS \

(4 of 9) [CMA-1783/2020]

04- D;k [email protected] izfrdj jkf'k izkIr djus ds vf/kdkjh gSa \ ;fn gka] rks fdl&fdl foi{kh ls fdruh&fdruh jkf'k \ 05- vuqrks"k \

06- fook|dksa dh iqf"V esa izkFkhZx.k dh vksj ls ,-MCY;q-01 dfork vizs'k cktis;h o ,-MCY;q-02 Hkokuh 'kadj ijhf{kr gq,A izys[kh; lk{; esa izn'kZ 01 ls izn'kZ 16 nLrkost iznf'kZr gq,A vizkFkhZx.k dh vksj ls dksbZ lk{; izLrqr ugha dh xbZA rRi'pkr~ fo}ku vf/kdj.k us mHk;i{kksa dh cgl lqudj] mi;qZDrkuqlkj vk{ksfir fu.kZ; ikfjr fd;k] ftlls O;fFkr gksdj ;g vihy izLrqr dh xbZ gSA 07- eSaus i{kdkjku~ ds ;ksX; vf/koDrkx.k dh cgl lquh] vk{ksfir fu.kZ; o vfHkys[k dk voyksdu fd;kA 08- ;ksX; vf/koDrk vihykFkhZx.k&izkFkhZx.k us ;g rdZ fn;k fd izR;FkhZ chek dEiuh us vius tokc ds iSjk la[;k 03 esa vizkFkhZ la[;k 01 dks dkj dk Mªkboj gksuk Lohdkj fd;k gSA nq?kZVuk ds le; mYya?kudkjh okgu dks izR;FkhZ&vizkFkhZ la[;k 01 pyk jgk FkkA bl laca/k esa vfHkys[k ij izpwj ek=k esa ekSf[kd ,oa nLrkosth lk{; miyC/k gSA izR;FkhZ&vizkFkhZ la[;k 01 ds fo#) iqfyl us vko';d vUos"k.k ds i'pkr~ vkjksi&i= Hkh izLrqr fd;k gSA nq?kZVuk ds le; izR;{kn'khZ lk{kh ,-MCY;q-02 Hkokuh 'kadj ds dFku ys[kc) djok,] ysfdu fo}ku vf/kdj.k us izR;{kn'khZ lk{kh Hkokuh 'kadj dh lk{; ij fo'okl ugha djds Hkwy dh gSA nq?kZVuk ds le; izR;FkhZ&vizkFkhZ la[;k 01 us mYya?kudkjh okgu dks mis{kk ,oa ykijokgh ls pyk;k] ftlls okgu vfu;af=r gksdj] iyVh [kkdj] [kEHks ls Vdjkdj] nq?kZVukxzLr gks x;k vkSj ekSds ij gh vizs'k dqekj cktis;h dk nsgkar gks x;kA nq?kZVuk ds le; mYya?kudkjh okgu dh chek ikWfylh Fkh] blfy, dkj esa cSBs lHkh O;fDr;ksa dh tksf[ke ikWfylh ls doj gksus ds dkj.k chek dEiuh izfrdj jkf'k vnk;xh gsrq mRrjnk;h gSA fo}ku vf/kdj.k }kjk ikfjr vk{ksfir fu.kZ; mfpr ,oa fof/klEer ugha gS]

(5 of 9) [CMA-1783/2020]

blfy, vk{ksfir fu.kZ; vikLr fd, tkus dk fuosnu fd;kA mUgksaus vius bu rdksZa dh iqf"V esa fuEufyf[kr uthjsa is'k dha] ftudk eSaus voyksdu fd;k %&

1. MACD 2013 (SC) 347 Minu Rout & Anr. Versus Satya Pradyumna Mohapatra & Ors.

2. 2019 ACJ 454 Vimla Devi and others Versus National Insurance Co. Ltd. and others

09- izR;FkhZ&vizkFkhZ la[;k 02 ds ;ksX; vf/koDrk us ;g rdZ fn;k fd nq?kZVuk ds le; mYya?kudkjh okgu izR;FkhZ&vizkFkhZ la[;k 03 ds ;gka chfer FkkA nq?kZVuk ds le; mYya?kudkjh okgu vfu;af=r gksdj iyVh [kk x;k] ftlls vizs'k dqekj dh e`R;q gqbZA pkyd ds ikl oS/k ,oa izHkkoh ykblsal FkkA 10- izR;FkhZ&vizkFkhZ la[;k 03 chek dEiuh ds ;ksX; vf/koDrk us viuh fyf[kr cgl esa vafdr rF;ksa dh iqujkorhZ djrs gq, ;g rdZ fn;k fd e`rd eksgek;k dULVªD'ku dEiuh esa Hkkxhnkj FkkA eksgux<+] ftyk tSlyesj esa dEiuh dk dULVªD'ku dk dk;Z py jgk Fkk] ftldks ns[kus ds fy, e`rd dkj esa tk jgk FkkA mYya?kudkjh dkj] e`rd ds HkkbZ izR;FkhZ&vizkFkhZ la[;k 02 jkts'k cktis;h dh FkhA dkj dh ejEer vkfn dk [kpZ dEiuh ds }kjk ogu fd;k tkrk FkkA dkj eksgek;k dULVªD'ku dEiuh dh Fkh] ftlesa e`rd Hkh Hkkxhnkj Fkk] blfy, e`rd izFke i{kdkj gksus ls] chek dEiuh ls dksbZ izfrdj jkf'k izkIr djus dk vf/kdkjh ugha gSA nq?kZVuk dk dksbZ izR;{kn'khZ lk{kh ijhf{kr ugha gqvk gSA Hkokuh 'kadj dks izR;{kn'khZ lk{kh ds :i esa ijhf{kr djok;k x;k gS] ijarq okLro esa og nq?kZVuk dk izR;{kn'khZ lk{kh ugha jgk gSA pkyd ds fo#) dsoy ek= vkjksi&i= izLrqr gksus ls nq?kZVuk ds rF; dks lkfcr ugha ekuk tk ldrk gSA izkfFkZuh dfork nq?kZVuk dh izR;{kn'khZ lk{kh ugha gSA fo}ku vf/kdj.k }kjk ikfjr vk{ksfir fu.kZ; ldkj.k] mfpr ,oa fof/klEer gS] ftlesa gLr{ksi fd, tkus ds dksbZ i;kZIr vk/kkj ugha gSa] blfy, vihy

(6 of 9) [CMA-1783/2020]

[kkfjt fd, tkus dk fuosnu fd;kA mUgksaus vius bu rdksZa dh iqf"V esa fuEufyf[kr uthjsa is'k dha] ftudk eSaus voyksdu fd;k %&

1. AIR 2009 SC 3056 Ningamma and Ors.

Versus United India Insurance Co. Ltd.

2. AIR 2007 SC 1563 National Insurance Co.

Ltd. Versus Laxmi Narain Dhut

3. AIR 2009 SC 1788 New India Assurance Company Ltd. Versus Sadanand Mukhi and Ors.

4. 2008 ACJ 1441 Oriental Insurance Co. Ltd. Versus Rajni Devi and Ors.

5. AIR 2007 SC 1609 The Oriental Insurance Company Limited Versus Meena Variyal and Ors.

6. 2005 ACJ 1 Dhanraj Versus New India Assurance Co. Ltd. and Ors.

7. C.M.A. No. 660 of 2015 and M.P. No. 1 of 2015, United India Insurance Co. Ltd. Versus B. Sudha and Ors., In the High Court of Madras, Decided on 05.03.2020

11- eSaus mi;qZDr ijLij fojks/kh rdksZa ij fopkj fd;kA fo}ku vf/kdj.k us fook|d la[;k 01 ls 03 dk fofu'p; ,d lkFk fd;k gSA fook|d la[;k 01 o 02 dks lkfcr djus dk Hkkj vihykFkhZ&izkFkhZx.k ij gS] tcfd fook|d la[;k 03 dks lkfcr djus dk Hkkj izR;FkhZ&vizkFkhZ chek dEiuh ij gSA fo}ku vf/kdj.k us vk{ksfir fu.kZ; ds }kjk fook|d la[;k 01 o 02 dk fofu'p; vihykFkhZ&izkFkhZx.k ds fo:) vkSj fook|d la[;k 03 dk fofu'p; izR;FkhZ&vizkFkhZ chek dEiuh ds i{k esa fd;k gSA 12- fook|d la[;k 01 esa eq[;r% ;g fopkj.kh; fcUnq gS fd D;k izR;FkhZ&vizkFkhZ la[;k 01 us mYya?kudkjh okgu dks nq?kZVuk ds le; rst xfr o ykijokgh ls pykdj] iyVh f[kykdj] [kaHks ls Vdjkdj nq?kZVuk dkfjr dh] ftlls dkj esa lokj vizs'k dqekj cktis;h dh e`R;q gqbZ \ mYys[kuh; gS fd nq?kZVuk esa vizs'k dqekj dh e`R;q gksuk fufoZokfnr rF; izdV gksrk gSA fo}ku vf/kdj.k us ,-MCY;q-02 Hkokuh 'kadj dks ?kVukLFky dk izR;{kn'khZ lk{kh ugha ekuk gS vkSj mlds c;ku iw.kZr% lansgkLin izrhr

(7 of 9) [CMA-1783/2020]

gksuk ekuk gSA vk{ksfir fu.kZ; ds iSjk la[;k 15 esa ;g Hkh vafdr fd;k gS fd izdj.k esa ?kVuk dk dksbZ p'enhn lk{kh] ,Q-vkbZ-vkj- drkZ] uD'kkekSdk dk lk{kh vkSj vuqla/kku vf/kdkjh ijhf{kr ugha gq, gSaA 13- mYys[kuh; gS fd izR;FkhZ&vizkFkhZ la[;k 01 pkyd us fo}ku vf/kdj.k ds le{k dksbZ tokc izLrqr ugha fd;kA izR;FkhZx.k&vizkFkhZx.k dh vksj ls nq?kZVuk ds [k.Mu esa dksbZ ekSf[kd ;k nLrkosth lk{; izLrqr ugha dh xbZ gSA vizkFkhZ chek dEiuh us Hkh nq?kZVuk ds rF; ls fofufnZ"Vr% budkj ugha fd;k gS] cfYd tokc izkFkZuk&i= esa nq?kZVuk ds rF; dks tkudkjh ds vHkko esa vLohdkj fd;k gSA nq?kZVuk esa okgu dk pkyd Hkh ?kk;y gqvk gSA iqfyl us Hkh vko';d vUos"k.k ds i'pkr~] izR;FkhZ&vizkFkhZ la[;k 01 dh nq?kZVuk esa mis{kk ,oa ykijokgh ekudj] mlds fo#) l{ke vf/kdkfjrk okys nkf.Md U;k;ky; esa vkjksi i= izLrqr fd;k gSA dqy feykdj fook|d la[;k 01 ds laca/k esa fo}ku vf/kdj.k }kjk vfHkys[k ij miyC/k lEiw.kZ lk{; dk lgh ,oa fof/kd :i ls foospu fd;k tkuk n`f"Vxr ugha gksrk gSA 14- vfHkys[k ls ;g izdV gksrk gS fd e`rd vkSj mldk HkkbZ vizkFkhZ la[;k 02 dh egkek;k daLVªD'ku ,.M bathfu;lZ dEiuh FkhA egkek;k daLVªD'ku dEiuh esa e`rd vkSj mldk HkkbZ vizkFkhZ la[;k 02 Hkkxhnkj Fks] ysfdu mYya?kudkjh okgu nq?kZVuk ds le; eSllZ egkek;k daLVªD'ku ,.M bathfu;lZ dEiuh ds uke ij iathd`r ugha Fkk] cfYd izn'kZ&07 jftLVªs'ku izek.k i= ds vuqlkj mYya?kudkjh okgu ds Lokeh ds :i esa jkts'k Mh cktis;h iq= nqxkZizlkn cktis;h vafdr gSA izn'kZ&09 Policy Schedule Cum Certificate Of Insurance esa Hkh chfer ds uke ds :i esa jkts'k Mh cktis;h vafdr gSA buds [k.Mu esa vfHkys[k ij dksbZ lk{; miyC/k ugha gSA dqy feykdj izFke n`"V;k nq?kZVuk ds le; okgu dk iathd`r Lokeh vizkFkhZ la[;k 02 gksuk n`f"Vxr gksrk gSA nq?kZVuk ds le; okgu] izkFkhZ o vizkFkhZ dh Hkkxhnkjh QeZ egkek;k daLVªD'ku ,.M bathfu;lZ

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ds uke iathd`r gksuk n`f"Vxr ugha gksrk gSA mi;qZDr rF;ksa ,oa ifjfLFkfr;ksa ds lanHkZ esa fo}ku vf/kdj.k }kjk vk{ksfir fu.kZ; ikfjr djrs le; mfpr ,oa fof/klEer fu"d"kZ ugha fn;k x;k gS vkSj mYya?kudkjh okgu ds iath;u izek.k i= rFkk chek ikWfylh izek.k i= esa okgu Lokeh ds :i esa dkSu iathd`r Lokeh gS] bl laca/k esa dksbZ foospu fd;k tkuk n`f"Vxr ugha gksrk gSA okgu ds jftLVªs'ku izek.k i= o chek ikWfylh esa egkek;k daLVªD'ku ,.M bathfu;lZ dEiuh dk uke vafdr ugha gS] ysfdu fQj Hkh fo}ku vf/kdkj.k us vk{ksfir fu.kZ; ikfjr djrs le; e`rd dks izFke i{kdkj fdl vk/kkj ij ekuk ;g fof/kd :i ls Li"V ugha fd;k x;k gSA bl laca/k esa chek dEiuh us vius tokc izkFkZuk&i= esa vkifRr vo'; izdV dh gS] ysfdu ml vkifRr ds leFkZu esa chek dEiuh dh vksj ls dksbZ lk{; izLrqr ugha dh xbZ gSA chek dEiuh dh bl vkifRr ds laca/k esa fook|d la[;k 03 fojfpr gqvk gS o vk{ksfir fu.kZ; ds }kjk fo}ku vf/kdj.k us bl fook|d dk fofu'p; chek dEiuh ds i{k esa fd;k gSA ysfdu mi;qZDr foospu ds ifj.kkeLo:i bl vkifRr ds laca/k esa fo}ku vf/kdj.k dks izdj.k vfHkys[k ij miyC/k lk{; ds ifjizs{; esa fof/kuqlkj fuLrkj.k gsrq izfrizsf"kr fd;k tkuk mfpr gSA 15- dqy feykdj mi;qZDr Observation ds ifjizs{; esa i{kdkjku~ dks lqudj] iqu% u, fljs ls fof/kuqlkj vkns'k ikfjr djus gsrq ;g izdj.k fo}ku vf/kdj.k dks izfrizsf"kr fd;k tkuk U;k;ksfpr izrhr gksrk gSA 16- ifj.kker% fo}ku fof'k"V U;k;k/kh'k] eksVj nq?kZVuk nkok vf/kdj.k] tks/kiqj egkuxj ds }kjk eksVj nq?kZVuk nkok la[;k [email protected] Jherh dfork vizs'k cktis;h vkfn cuke ih;w"key vkfn esa ikfjr fu.kZ; fnukad 15-09-2020 vikLr fd;k tkrk gS vkSj ;g izdj.k fo}ku vf/kdj.k dks bl funsZ'k ds lkFk izfrizsf"kr fd;k tkrk gS fd bl vkns'k esa gq, Observation ds ifjizs{; esa i{kdkjku~ dks leqfpr lquokbZ dk volj nsdj]

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u, fljs ls fof/kuqlkj fu.kZ; ikfjr djsaA ;g Hkh Li"V fd;k tkrk gS fd fo}ku vf/kdj.k mi;qZDr Observation ls izfrdwy :i ls izHkkfor gq, fcuk fu.k;Z ikfjr djsaA 17- i{kdkjksa dks funsZf'kr fd;k tkrk gS fd os fo}ku vf/kdj.k ds le{k fnukad 12-09-2022 dks mifLFkr gksA 18- bl vkns'k dh izfr lfgr fo}ku vf/kdj.k dk vfHkys[k 'kh?kz iszf"kr gksA 19- fo}ku vf/kdj.k dks funsZf'kr fd;k tkrk gS fd og bl vkns'k dh izekf.kr izfr izkIr gksus ds 06 ekg ds Hkhrj bl izdj.k dk fuLrkj.k djsaA

(MADAN GOPAL VYAS),J 91-Rajendra/-

;g vkns'[email protected]; Hkkjrh; lafo/kku ds vuqPNsn 348 (i) ds rgr Hkkjr ljdkj dh vf/klwpuk jkti= la[;k 1] fnuakd 2 tuojh 1999 ,oa jktLFkku jkti= fnukafdr 10-3-1971 ds rgr fgUnh Hkk"kk ds iz;ksx dkss izkf/kd`r fd, tkus ds ifj.kkeLo:i fgUnh Hkk"kk esa fy[kk;k x;kA