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137-954: The Malkana are a Muslim ethnic group found in the states of Uttar Pradesh and Bihar of India. In Agra District , the Malkana claimed descent from a number of Hindu castes . Those of Kiraoli , where they occupy five villages, claim descent from a Jat . In Bihar, the Malkana are mainly concentrated in the erstwhile Shahabad district . In 1923, there were a recorded 1300 Malkanas in Shahabad alone. They adopted Islam due to Sufi saints. Because of being plundered by foreign invaders they adopted Islam . Arya Samaj Swami Shraddhanand 's Shuddhi movement aimed at converting them to Hinduism , which led to Abdul Rashid, who shot him dead in Delhi. Many Muslim leaders attempted to counter this leading to religious tensions in Shahabad, Gaya and Munger. There were splits in
274-663: A Nerva–Antonine dynasty -era tablet from the ruins of the Temple of Antinous in Antinoöpolis , Aegyptus . The tablet prescribed the rules and membership dues of a burial society collegium established in Lanuvium , Italia in approximately 133 AD during the reign of Hadrian (117–138) of the Roman Empire . In 1851 AD, future U.S. Supreme Court Associate Justice Joseph P. Bradley (1870–1892 AD), once employed as an actuary for
411-577: A sea captain , ship-manager , or ship charterer that saved a ship from total loss was only required to pay one-half the value of the ship to the ship-owner . In the Digesta seu Pandectae (533), the second volume of the codification of laws ordered by Justinian I (527–565), a legal opinion written by the Roman jurist Paulus in 235 AD was included about the Lex Rhodia ("Rhodian law"). It articulates
548-678: A bench was established at Lucknow. Allahabad continues to be an important administrative base of today's Uttar Pradesh and has several administrative headquarters. Uttar Pradesh continued to be central to Indian politics and was especially important in modern Indian history as a hotbed of the Indian independence movement . The state hosted modern educational institutions such as the Aligarh Muslim University , Banaras Hindu University and Darul Uloom Deoband . Nationally known figures such as Ram Prasad Bismil and Chandra Shekhar Azad were among
685-453: A claim arises on the occurrence of a specified event). There are generally three types of insurance contracts that seek to indemnify an insured: From an insured's standpoint, the result is usually the same: the insurer pays the loss and claims expenses. If the Insured has a "reimbursement" policy, the insured can be required to pay for a loss and then be "reimbursed" by the insurance carrier for
822-448: A claim. Adjusting liability-insurance claims is particularly difficult because they involve a third party, the plaintiff , who is under no contractual obligation to cooperate with the insurer and may in fact regard the insurer as a deep pocket . The adjuster must obtain legal counsel for the insured—either inside ("house") counsel or outside ("panel") counsel, monitor litigation that may take years to complete, and appear in person or over
959-601: A combined ratio over 100% may nevertheless remain profitable due to investment earnings. Insurance companies earn investment profits on "float". Float, or available reserve, is the amount of money on hand at any given moment that an insurer has collected in insurance premiums but has not paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest or other income on them until claims are paid out. The Association of British Insurers (grouping together 400 insurance companies and 94% of UK insurance services) has almost 20% of
1096-455: A company insures an individual entity, there are basic legal requirements and regulations. Several commonly cited legal principles of insurance include: To "indemnify" means to make whole again, or to be reinstated to the position that one was in, to the extent possible, prior to the happening of a specified event or peril. Accordingly, life insurance is generally not considered to be indemnity insurance, but rather "contingent" insurance (i.e.,
1233-514: A dense population, Eastern Uttar Pradesh ( Purvanchal ) faces notable socio-economic disparities. For 2021–22 the GDDP for Purvanchal it is ₹5.37 lakh crore, while for Western Uttar Pradesh it is ₹9.44 lakh crore. For the Bundelkhand and Central Uttar Pradesh regions, the GDDP remained ₹99,029.34 crore and ₹3.36 lakh crore, respectively. As of 2021–22, the per capita annual income in eastern districts
1370-616: A mayor and councilors elected from wards. Nagar Palika Parishad or Municipal Council, serves medium-sized towns like Bela Pratapgarh , Jalaun , or Bisalpur and are governed by a chairperson and councilors. Nagar Panchayat which operate in smaller towns and semi-urban areas like Badlapur, Jaunpur , Bikapur , or Chilkana Sultanpur , are governed by a chairman and councilors. There are 14 Municipal Corporations , while Noida and Greater Noida in Gautam Budha Nagar district are specially administered by statutory authorities under
1507-413: A minimum, the following elements: identification of participating parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the particular loss event covered, the amount of coverage (i.e., the amount to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered). An insured is thus said to be " indemnified " against the loss covered in
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#17328590003921644-453: A more active role in loss mitigation, such as through building codes . According to the study books of The Chartered Insurance Institute, there are variant methods of insurance as follows: Insurers may use the subscription business model , collecting premium payments periodically in return for on-going and/or compounding benefits offered to policyholders. Insurers' business model aims to collect more in premium and investment income than
1781-524: A per capita GSDP of ₹ 68,810 (US$ 820). The High Court of the state is located in Prayagraj . The state contributes 80 seats to the lower house Lok Sabha and 31 seats and the upper house Rajya Sabha . On 9 November 2000, a new state, Uttaranchal (now Uttarakhand ), was created from Uttar Pradesh's western Himalayan hill region. The two major rivers of the state, the Ganges and its tributary Yamuna , meet at
1918-622: A premium paid independently of loans began in Belgium about 1300 AD. Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. The first known insurance contract dates from Genoa in 1347. In the next century, maritime insurance developed widely, and premiums were varied with risks. These new insurance contracts allowed insurance to be separated from investment,
2055-697: A relatively few claimants – and for overhead costs. So long as an insurer maintains adequate funds set aside for anticipated losses (called reserves), the remaining margin is an insurer's profit . Policies typically include a number of exclusions, for example: Insurers may prohibit certain activities which are considered dangerous and therefore excluded from coverage. One system for classifying activities according to whether they are authorised by insurers refers to "green light" approved activities and events, "yellow light" activities and events which require insurer consultation and/or waivers of liability, and "red light" activities and events which are prohibited and outside
2192-539: A separation of roles that first proved useful in marine insurance . The earliest known policy of life insurance was made in the Royal Exchange, London , on 18 June 1583, for £383, 6s. 8d. for twelve months on the life of William Gibbons. Insurance became far more sophisticated in Enlightenment-era Europe , where specialized varieties developed. Property insurance as we know it today can be traced to
2329-562: A serious rebellion erupted in various parts of North India, which became known as the Indian Rebellion of 1857 ; Bengal regiment 's sepoy stationed at Meerut cantonment , Mangal Pandey , is widely considered as its starting point. After the revolt failed, the British divided the most rebellious regions by reorganising their administrative boundaries, splitting the Delhi region from 'NWFP of Agra' and merging it with Punjab Province , while
2466-782: A significant impact on the people of the region. Sultanat era in the state also witnessed the construction of mosques and tombs, including the Atala Masjid in Jaunpur , the Jama Masjid in Fatehpur Sikri , and the Ghiyath al-Din Tughluq's Tomb in Tughlaqabad . In the 16th century, Babur , a Timurid descendant of Timur and Genghis Khan from Fergana Valley (modern-day Uzbekistan ), swept across
2603-399: A staff of records management and data entry clerks . Incoming claims are classified based on severity and are assigned to adjusters, whose settlement authority varies with their knowledge and experience. An adjuster undertakes an investigation of each claim, usually in close cooperation with the insured, determines if coverage is available under the terms of the insurance contract (and if so,
2740-574: A tradition of welfare programs in Prussia and Saxony that began as early as in the 1840s. In the 1880s Chancellor Otto von Bismarck introduced old age pensions, accident insurance and medical care that formed the basis for Germany's welfare state . In Britain more extensive legislation was introduced by the Liberal government in the National Insurance Act 1911 . This gave the British working classes
2877-572: A univariate analysis could produce confounded results. Other statistical methods may be used in assessing the probability of future losses. Upon termination of a given policy, the amount of premium collected minus the amount paid out in claims is the insurer's underwriting profit on that policy. Underwriting performance is measured by something called the "combined ratio", which is the ratio of expenses/losses to premiums. A combined ratio of less than 100% indicates an underwriting profit, while anything over 100 indicates an underwriting loss. A company with
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#17328590003923014-700: A well-developed irrigation system. They suffer from waterlogging and large-scale user tracts. In addition, the area is fairly arid. The state has more than 32 large and small rivers; of them, the Ganga , Yamuna , Saraswati , Sarayu , Betwa , and Ghaghara are larger and of religious importance in Hinduism . Cultivation is intensive in the state. Uttar Pradesh falls under three agro-climatic zones viz. Middle Gangetic Plains region (Zone–IV), Upper Gangetic Plains region (Zone–V) and Central Plateau and Hills region (Zone–VIII). The valley areas have fertile and rich soil. There
3151-405: Is 79 per cent and for women 59 per cent. In 2001 the literacy rate in the state stood at 56 per cent overall, 67 per cent for men and 43 per cent for women. A report based on a National Statistical Office (NSO) survey revealed that Uttar Pradesh's literacy rate is 73 per cent, less than the national average of 77.7 per cent. According to the report, in the rural region, the literacy rate among men
3288-420: Is 80.5 per cent and women is 60.4 per cent, while in urban areas, the literacy rate among men is 86.8 per cent and women is 74.9 per cent. Hindi is the primary official language and is spoken by the majority of the population. Bhojpuri is the second most spoken language of the state, it is spoken by almost 11 per cent of the population. Most people speak regional languages classified as dialects of Hindi in
3425-445: Is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management , primarily used to protect against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer , insurance company , insurance carrier , or underwriter . A person or entity who buys insurance
3562-418: Is a result of various factors, such as sex-selective abortion , female infanticide , and discrimination against girls and women. The state's 2001–2011 decennial growth rate (including Uttrakhand) was 20.1 per cent, higher than the national rate of 17.64 per cent. It has a large number of people living below the poverty line . As per a World Bank document released in 2016, the pace of poverty reduction in
3699-542: Is about 10 per cent of India's GDP. According to a survey conducted by the Centre for Monitoring Indian Economy (CMIE), Uttar Pradesh's unemployment rate increased 11.4 percentage points, rising to 21.5 per cent in April 2020. Uttar Pradesh has the largest number of net migrants migrating out of the state. The 2011 census data on migration shows that nearly 14.4 million (14.7%) people had migrated out of Uttar Pradesh. Marriage
3836-408: Is about one-fourth of the national average at ₹12,741 while the state's average stood at ₹17,349. In 2009–10, the tertiary sector of the economy (service industries) was the largest contributor to the gross domestic product of the state, contributing 44.8 per cent of the state domestic product compared to 44 per cent from the primary sector (agriculture, forestry, and tourism) and 11.2 per cent from
3973-678: Is also home to three World Heritage sites . Modern human hunter-gatherers have been in Uttar Pradesh since between around 85,000 and 72,000 years ago. There have also been prehistorical finds in the state from the Middle and Upper Paleolithic dated to 21,000–31,000 years old and Mesolithic / Microlithic hunter-gatherer settlement, near Pratapgarh , from around 10550–9550 BCE. Villages with domesticated cattle, sheep, and goats and evidence of agriculture began as early as 6000 BCE, and gradually developed between c. 4000 and 1500 BCE beginning with
4110-657: Is governed by a parliamentary system of representative democracy . Uttar Pradesh is one of the seven states in India, where the state legislature is bicameral, comprising two houses: the Vidhan Sabha (Legislative Assembly) and the Vidhan Parishad (Legislative Council). The Legislative Assembly consists of 404 members who are elected for five-year terms. The Legislative Council is a permanent body of 100 members with one-third (33 members) retiring every two years. The state sends
4247-500: Is headed by a District Magistrate , who is also an IAS officer, and is assisted by several officers belonging to state services. District Magistrate being the head of the district administration, is responsible for maintaining law and order and providing public services in the district. At the block level, the Block Development Officer (BDO) is responsible for the overall development of the block . The Uttar Pradesh Police
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4384-549: Is headed by an IPS officer of the rank of Director general of police . A Superintendent of Police , an IPS officer assisted by the officers of the Uttar Pradesh Police Service, is entrusted with the responsibility of maintaining law and order and related issues in each district. The Divisional Forest Officer, an officer belonging to the Indian Forest Service manages the forests, environment, and wildlife of
4521-477: Is intensive cultivation on terraced hill slopes, but irrigation facilities are deficient. The Siwalik Range which forms the southern foothills of the Himalayas , slopes down into a boulder bed called 'bhabhar'. The transitional belt running along the entire length of the state is called the terai and bhabhar area. It has rich forests, cutting across it are innumerable streams which swell into raging torrents during
4658-494: Is known as a policyholder , while a person or entity covered under the policy is called an insured . The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which
4795-464: Is more than any other state and is the source of the largest number of seats in the Lok Sabha . Despite its political influence since ancient times, its poor record in economic development and administration, poor governance, organised crime and corruption have kept it among India's backward states. The state has been affected by repeated episodes of caste-related and communal violence . In December 1992
4932-409: Is paid out in losses, and to also offer a competitive price which consumers will accept. Profit can be reduced to a simple equation: Insurers make money in two ways: The most complicated aspect of insuring is the actuarial science of ratemaking (price-setting) of policies, which uses statistics and probability to approximate the rate of future claims based on a given risk. After producing rates,
5069-510: Is practised by more than three-fourths of the population, followed by Islam . Hindi is the most widely spoken language and is also the official language of the state, along with Urdu . Uttar Pradesh was home to most of the mainstream political entities that existed in ancient and medieval India including the Maurya Empire , Harsha Empire , Gupta Empire , Pala Empire , Delhi Sultanate and Mughal Empire as well as many other empires. At
5206-640: Is situated on the northern spout of India and shares an international boundary with Nepal. The Himalayas border the state on the north, but the plains that cover most of the state are distinctly different from those high mountains. The larger Gangetic Plain region is in the north; it includes the Ganges-Yamuna Doab , the Ghaghra plains, the Ganges plains and the Terai . The smaller Vindhya Range and plateau region are in
5343-425: Is the fourth-largest economy in India, with an estimated gross state domestic product of ₹ 14.89 lakh crore (US$ 180 billion), contributing 8.4% of India's gross domestic product. According to the report generated by India Brand Equity Foundation (IBEF), in 2014–15, Uttar Pradesh has accounted for 19% share in the country's total food grain output. About 70% of India's sugar comes from Uttar Pradesh. Sugarcane
5480-426: Is the materialized utility of insurance; it is the actual "product" paid for. Claims may be filed by insureds directly with the insurer or through brokers or agents . The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form, such as those produced by ACORD . Insurance-company claims departments employ a large number of claims adjusters, supported by
5617-422: Is the most important cash crop as the state is country's largest producer of sugar. As per the report generated by Indian Sugar Mills Association (ISMA), total sugarcane production in India was estimated to be 28.3 million tonnes in the fiscal ending September 2015 which includes 10.47 million tonnes from Maharashtra and 7.35 million tonnes from Uttar Pradesh. With 359 manufacturing clusters, cement
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5754-456: Is the top sector of SMEs in Uttar Pradesh. The Uttar Pradesh Financial Corporation (UPFC) was established in 1954 under the SFCs Act of 1951 mainly to develop small- and medium-scale industries in the state. The UPFC also provides working capital to existing units with a soundtrack record and to new units under a single window scheme. In July 2012, due to financial constraints and directions from
5891-406: The 2012 election . Religion in Uttar Pradesh (2011) Languages of Uttar Pradesh from 2011 census Uttar Pradesh has a very large population and a high population growth rate. From 1991 to 2001 its population increased by over 26 per cent. It is the most populous state in India , with 199,581,477 people on 1 March 2011. The state contributes to 16.2 per cent of India's population. As of 2021,
6028-674: The Ajmer – Marwar region was merged with Rajputana and Oudh was incorporated into the state. The new state was called the North Western Provinces of Agra and Oudh, which in 1902 was renamed as the United Provinces of Agra and Oudh . It was commonly referred to as the United Provinces or its acronym UP. In 1920, the capital of the province was shifted from Allahabad to Lucknow . The high court continued to be at Allahabad, but
6165-543: The Babool ( Vachellia nilotica ) and animals such as the Chinkara ( Gazella bennettii ) are found in the arid Vindhyas. Tropical dry deciduous forests are found in all parts of the plains. Since much sunlight reaches the ground, shrubs and grasses are also abundant. Large tracts of these forests have been cleared for cultivation. Tropical thorny forests, consisting of widely scattered thorny trees, mainly babool are mostly found in
6302-559: The British East India Company accession over the state's territories. Ajmer and Jaipur kingdoms were also included in this northern territory, which was named the " North-Western Provinces " (of Agra). Although UP later became the fifth-largest state of India, NWPA was one of the smallest states of the British Indian empire. Its capital shifted twice between Agra and Allahabad. Due to dissatisfaction with British rule,
6439-559: The Chief Secretary assists the council of ministers. The Chief Secretary is also the administrative head of the government. Each government department is headed by a minister, who is assisted by an Additional Chief Secretary or a Principal Secretary , who is usually an officer of Indian Administrative Service (IAS), the Additional Chief Secretary/Principal Secretary serves as the administrative head of
6576-456: The Department of Home and Confidential , is the largest police force in the world. Uttar Pradesh also reported the highest number of deaths – 41,746 – due to road accidents till December 2022, according to "Road Accidents in India" report of Union Ministry of Road Transport and Highways . The UP Transport Department report also indicates that the primary cause of road accident fatalities
6713-657: The Great Fire of London , which in 1666 devoured more than 13,000 houses. The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren 's inclusion of a site for "the Insurance Office" in his new plan for London in 1667." A number of attempted fire insurance schemes came to nothing, but in 1681, economist Nicholas Barbon and eleven associates established
6850-673: The Indus Valley Civilisation and Harappa culture to the Vedic period and extending into the Iron Age . Out of the sixteen mahajanapadas (lit. 'great realms') or oligarchic republics that existed in ancient India, seven fell entirely within the present-day boundaries of the state. The kingdom of Kosala , in the Mahajanapada era, was also located within the regional boundaries of modern-day Uttar Pradesh. According to Hinduism,
6987-760: The Khalji dynasty (1290–1320), the Tughlaq dynasty (1320–1414), the Sayyid dynasty (1414–51), and the Lodi dynasty (1451–1526). The first Sultan of Delhi, Qutb ud-Din Aibak , conquered some parts of Uttar Pradesh, including Meerut , Aligarh , and Etawah . His successor, Iltutmish , expanded the Sultanate's rule over Uttar Pradesh by defeating the King of Kannauj . During the reign of Sultan Balban ,
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#17328590003927124-567: The Khyber Pass and founded the Mughal Empire , covering India , along with modern-day Afghanistan , Pakistan and Bangladesh . The Mughals were descended from Persianised Central Asian Turks (with significant Mongol admixture). In the Mughal era, Uttar Pradesh became the heartland of the empire. Mughal emperors Babur and Humayun ruled from Delhi. In 1540 an Afghan, Sher Shah Suri , took over
7261-612: The Maurya (320–200 BCE), Kushan (100–250 CE), Gupta (350–600), and Gurjara-Pratihara (650–1036) empires. Following the Huns ' invasions that broke the Gupta empire, the Ganges-Yamuna Doab saw the rise of Kannauj . During the reign of Harshavardhana (590–647), the Kannauj empire reached its zenith. It spanned from Punjab in the north and Gujarat in the west to Bengal in the east and Odisha in
7398-712: The Mutual Benefit Life Insurance Company , submitted an article to the Journal of the Institute of Actuaries . His article detailed an historical account of a Severan dynasty -era life table compiled by the Roman jurist Ulpian in approximately 220 AD that was also included in the Digesta . Concepts of insurance has been also found in 3rd century BC Hindu scriptures such as Dharmasastra , Arthashastra and Manusmriti . The ancient Greeks had marine loans. Money
7535-501: The National Human Rights Commission of India (NHRC), Uttar Pradesh tops the list of states of encounter killings and custodial deaths. In 2014, the state recorded 365 judicial deaths out of a total 1,530 deaths recorded in the country. NHRC further said, of the over 30,000 murders registered in the country in 2016, Uttar Pradesh had 4,889 cases. A data from Minister of Home Affairs (MHA) avers, Bareilly recorded
7672-644: The North Central Railway and Gorakhpur is the headquarters of the North Eastern Railway . Lucknow and Moradabad serve as divisional Headquarters of the Northern Railway Division. Lucknow Swarna Shatabdi Express , the second fastest Shatabdi Express train, connects the Indian capital of New Delhi to Lucknow while Kanpur Shatabdi Express , connects New Delhi to Kanpur Central . This
7809-467: The Oudh Province . Though long known for sugar production, the state's economy is now dominated by the services industry. The service sector comprises travel and tourism , hotel industry , real estate , insurance and financial consultancies. The economy of Uttar Pradesh is the third-largest state economy in India, with ₹ 18.63 lakh crore (US$ 220 billion) in gross domestic product and
7946-742: The Samajwadi Party , the Bahujan Samaj Party , the Bharatiya Janata Party , and the Indian National Congress . The political landscape of the state is often characterized by intense competition and polarization , leading to caste-based tensions and communal conflicts . Critics often suggest that despite Uttar Pradesh's significant political legacy of producing eight Prime Ministers , the state continues to struggle with issues that hinder its overall advancement. According to
8083-532: The Second Battle of Panipat , and Uttar Pradesh came under Emperor Akbar 's rule. Akbar ruled from Agra and Fatehpur Sikri . In the 18th century, after the fall of Mughal authority, the power vacuum was filled by the Maratha Empire , in the mid-18th century, the Maratha army invaded the Uttar Pradesh region, which resulted in Rohillas losing control of Rohilkhand to the Maratha forces led by Raghunath Rao and Malha Rao Holkar . The conflict between Rohillas and Marathas came to an end on 18 December 1788 with
8220-433: The Triveni Sangam in Prayagraj, a Hindu pilgrimage site. Other notable rivers are Gomti and Saryu . The forest cover in the state is 6.1 percent of the state's geographical area. The cultivable area is 82 percent of the total geographical area, and the net area sown is 68.5 percent of the cultivable area. Inhabitants of the state are called Awadhi , Braji , or Bundeli , depending upon their region of origin. Hinduism
8357-420: The Upper Doab and Delhi , (in what was Kuru Mahajanapada), during the reign of the Pandava King Yudhishthira . The kingdom of the Kurus corresponds to the Black and Red Ware and Painted Gray Ware culture and the beginning of the Iron Age in northwest India, around 1000 BCE. Control over Gangetic plains region was of vital importance to the power and stability of all of India's major empires, including
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#17328590003928494-443: The general average principle of marine insurance established on the island of Rhodes in approximately 1000 to 800 BC, plausibly by the Phoenicians during the proposed Dorian invasion and emergence of the purported Sea Peoples during the Greek Dark Ages (c. 1100–c. 750). The law of general average is the fundamental principle that underlies all insurance. In 1816, an archeological excavation in Minya, Egypt produced
8631-414: The government . Uttar Pradesh is divided into 75 districts under these 18 divisions: The following is a list of top districts from state of Uttar Pradesh by population, ranked in respect of all India. Each district is governed by a District Magistrate, who is an Indian Administrative Service (IAS) officer appointed Government of Uttar Pradesh and reports to Divisional Commissioner of
8768-511: The monsoon . Uttar Pradesh has a humid subtropical climate and experiences four seasons. The winter in January and February is followed by summer between March and May and the monsoon season between June and September. Summers are extreme with temperatures fluctuating anywhere between 0–50 °C (32–122 °F) in parts of the state coupled with dry hot winds called the Loo . The Gangetic plain varies from semiarid to sub-humid. The mean annual rainfall ranges from 650 mm (26 inches) in
8905-456: The Civil Judges (Junior Division)/Judicial Magistrates and civil judges (Senior Division)/Chief Judicial Magistrate, the Uttar Pradesh higher judicial service comprises civil and sessions judges. The Subordinate judicial service (viz. The district court of Etawah and the district court of Kanpur Dehat) of the judiciary at Uttar Pradesh is controlled by the District Judge. Politics in Uttar Pradesh has been dominated by four political parties –
9042-421: The High Court of the Uttar Pradesh judiciary on the advice of the Chief Justice of the Supreme Court of India as well as the governor of Uttar Pradesh. Subordinate Judicial Service, categorised into two divisions viz. Uttar Pradesh civil judicial services and Uttar Pradesh higher judicial service are another vital part of the judiciary of Uttar Pradesh. While the Uttar Pradesh civil judicial services comprise
9179-518: The Hindu fold. Uttar Pradesh Uttar Pradesh ( / ˌ ʊ t ər p r ə ˈ d ɛ ʃ / UUT -ər prə- DESH ; Hindi: [ˈʊtːəɾ pɾəˈdeːʃ] ; abbr. UP ) is a state in northern India . With over 241 million inhabitants, it is the most populated state in India as well as the most populous country subdivision in the world – more populous than all but four other countries outside of India ( China , US , Indonesia , and Pakistan ) – and accounting for 16.5 percent of
9316-451: The Mamluk dynasty faced numerous rebellions in the state, but he was able to suppress them and establish his authority. Alauddin Khilji , extended his conquests to various regions in the state, including Varanasi and Prayagraj . Apart from the rulers, the Delhi Sultanate era also saw the growth of Sufism in Uttar Pradesh. Sufi saints, such as Nizamuddin Auliya and Qutbuddin Bakhtiar Kaki , lived during this period and their teachings had
9453-431: The United Provinces were renamed "Uttar Pradesh" ( lit. ' northern province ' ), preserving UP as the abbreviation of the state's name, with the change coming into effect on 24 January 1950. The new state was formed after the merger of several princely states and territories, including the United Provinces of Agra and Oudh , and the Delhi territory. The state has provided nine of India's prime ministers which
9590-408: The Uttar Pradesh Budget Documents (2019–20), Uttar Pradesh's debt burden is 29.8 per cent of the GSDP . The state's total financial debt stood at ₹ 2.09 lakh crore (US$ 25 billion) in 2011. Uttar Pradesh has not been able to witness double-digit economic growth despite consistent attempts over the years. The GSDP is estimated to have grown 7 per cent in 2017–18 and 6.5 per cent in 2018–19 which
9727-445: The Uttar Pradesh Industrial Development Act, 1976. In 2011, state's cabinet ministers headed by the then Chief Minister Mayawati announced the separation of Uttar Pradesh into four different states of Purvanchal, Bundelkhand, Avadh Pradesh and Paschim Pradesh with twenty-eight, seven, twenty-three and seventeen districts, respectively, later the proposal was turned down when the Akhilesh Yadav –lead Samajwadi Party came to power in
9864-781: The afternoon of 23 November 2007, within a span of 25 minutes, six consecutive serial blasts occurred in the Lucknow, Varanasi, and Faizabad courts, in which 28 people were killed. Another blast occurred on 7 December 2010, the blast occurred at Sheetla Ghat in Varanasi in which more than 38 people were killed. In February 2016, a series of bomb blasts occurred at the Jhakarkati Bus Station in Kanpur , killing 2 people and injuring more than 30. figures in crores of Indian rupees In terms of net state domestic product (NSDP), Uttar Pradesh
10001-588: The arrest of Ghulam Qadir , the grandson of Najeeb-ud-Daula, who was defeated by the Maratha general Mahadaji Scindia . In 1803–04, following the Second Anglo-Maratha War , when the British East India Company defeated the Maratha Empire, much of the region came under British suzerainty. Starting from Bengal in the second half of the 18th century, a series of battles for north Indian lands finally gave
10138-479: The belt of temperate upper mountainous forests. Medicinal plants are found in the wild and are also grown in plantations . The Terai–Duar savanna and grasslands support cattle. Moist deciduous trees grow in the upper Gangetic plain, especially along its riverbanks. This plain supports a wide variety of plants and animals. The Ganges and its tributaries are the habitat of large and small reptiles, amphibians , fresh-water fish, and crabs. Scrubland trees such as
10275-431: The bhabhar in a thin strip. The entire alluvial plain is divided into three sub-regions. The first in the eastern tract consisting of 14 districts which are subject to periodical floods and droughts and have been classified as scarcity areas. These districts have the highest density of population which gives the lowest per capita land. The other two regions, the central and the western , are comparatively better with
10412-613: The census. These include Awadhi spoken in Awadh in central Uttar Pradesh, Bhojpuri spoken in Purvanchal in eastern Uttar Pradesh, and Braj Bhasha spoken in the Braj region in Western Uttar Pradesh. These languages have also been recognised by the state government for official use in their respective regions. Urdu is given the status of a second official language, spoken by 5.4 per cent of
10549-535: The community, with many members of the community converted to Hinduism in the early part of the 20th century, during the course of the shuddhi movement. The shuddhi campaign among the Malkanas, was launched in early 1923 and led by the Arya Samaj under Pandit Madan Mohan Malaviya . This re-conversion campaign reached its peak by the end of 1927, by which time some 1,63,000 Malkana Muslims are said to have been brought into
10686-434: The country. The state's per capita GSDP was ₹ 29,417 (US$ 350), lower than the national per capita GSDP of ₹ 60,972 (US$ 730). Labor efficiency is higher at an index of 26 than the national average of 25. Textiles and sugar refining, both long-standing industries in Uttar Pradesh, employ a significant proportion of the state's total factory labour. The economy also benefits from the state's tourism industry. The state has
10823-446: The demand for marine insurance . In the late 1680s, Edward Lloyd opened a coffee house , which became the meeting place for parties in the shipping industry wishing to insure cargoes and ships, including those willing to underwrite such ventures. These informal beginnings led to the establishment of the insurance market Lloyd's of London and several related shipping and insurance businesses. Life insurance policies were taken out in
10960-555: The department they are assigned to. Each department also has officers of the rank of Secretary, Special Secretary, Joint Secretary etc. assisting the Minister and the Additional Chief Secretary / Principal Secretary . For administration, the state is divided into 18 divisions and 75 districts. Divisional Commissioner , an IAS officer is the head of administration on the divisional level. The administration in each district
11097-465: The disputed Babri Mosque located in Ayodhya was demolished by Hindu activists, leading to widespread violence across India. In 2000, northern districts of the state were separated to form the state of Uttarakhand . Uttar Pradesh, with a total area of 240,928 square kilometres (93,023 sq mi), is India's fourth-largest state in terms of land area and is roughly of same size as United Kingdom. It
11234-533: The district, assisted by the officers of Provincial Forest Service and Uttar Pradesh Forest Subordinate Service. The judiciary in the state consists of the Allahabad High Court in Prayagraj , the Lucknow Bench of Allahabad High Court , district courts and session courts in each district or Sessions Division, and lower courts at the tehsil level. The president of India appoints the chief justice of
11371-619: The divine King Rama of the Ramayana epic reigned in Ayodhya , the capital of Kosala. Krishna , another divine king of Hindu legend, who plays a key role in the Mahabharata epic and is revered as the eighth reincarnation ( Avatar ) of the Hindu god Vishnu , is said to have been born in the city of Mathura . The aftermath of the Kurukshetra War is believed to have taken place in the area between
11508-510: The division in which his district falls. The Divisional Commissioner is an IAS officer of high seniority. Each district is divided into subdivisions, governed by a Sub-Divisional Magistrate , and again into Blocks . Blocks consists of panchayats (village councils) and town municipalities . These blocks consists of urban units viz. census towns and rural units called gram panchayat . Uttar Pradesh has more metropolitan cities than any other state in India. The absolute urban population of
11645-774: The early 18th century. The first company to offer life insurance was the Amicable Society for a Perpetual Assurance Office , founded in London in 1706 by William Talbot and Sir Thomas Allen . Upon the same principle, Edward Rowe Mores established the Society for Equitable Assurances on Lives and Survivorship in 1762. It was the world's first mutual insurer and it pioneered age based premiums based on mortality rate laying "the framework for scientific insurance practice and development" and "the basis of modern life assurance upon which all life assurance schemes were subsequently based." In
11782-457: The estimated population of the state is around 240 million people. The population density is 828 people per square kilometre, making it one of the most densely populated states in the country. It has the largest scheduled caste population whereas scheduled tribes are less than 1 per cent of the total population. The sex ratio in 2011, at 912 women to 1000 men, was lower than the national figure of 943. The low sex ratio in Uttar Pradesh,
11919-671: The event of general average. In 1873 the "Association for the Reform and Codification of the Law of Nations", the forerunner of the International Law Association (ILA), was founded in Brussels. It published the first YAR in 1890, before switching to the present title of the "International Law Association" in 1895. By the late 19th century governments began to initiate national insurance programs against sickness and old age. Germany built on
12056-673: The first contributory system of insurance against illness and unemployment. This system was greatly expanded after the Second World War under the influence of the Beveridge Report , to form the first modern welfare state . In 2008, the International Network of Insurance Associations (INIA), then an informal network, became active and it has been succeeded by the Global Federation of Insurance Associations (GFIA), which
12193-465: The first fire insurance company, the "Insurance Office for Houses", at the back of the Royal Exchange to insure brick and frame homes. Initially, 5,000 homes were insured by his Insurance Office. At the same time, the first insurance schemes for the underwriting of business ventures became available. By the end of the seventeenth century, London's growth as a centre for trade was increasing due to
12330-419: The float method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards, so a poor economy generally means high insurance-premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the underwriting, or insurance, cycle . Claims and loss handling
12467-544: The highest number of custodial death at 25, followed by Agra (21), Allahabad (19) and Varanasi (9). National Crime Records Bureau (NCRB) data from 2011 says, the state has the highest number of crimes among any state in India, but due to its high population , the actual per capita crime rate is low. The state also continues to top the list of states with maximum communal violence incidents. An analysis of Ministers of State of Home Affairs states (2014), 23 per cent of all incidents of communal violence in India took place in
12604-447: The insurance carrier can generally either "reimburse" or "pay on behalf of", whichever is more beneficial to it and the insured in the claim handling process. An entity seeking to transfer risk (an individual, corporation, or association of any type, etc.) becomes the "insured" party once risk is assumed by an "insurer", the insuring party, by means of a contract , called an insurance policy . Generally, an insurance contract includes, at
12741-774: The insurance company. Insurance scholars have typically used moral hazard to refer to the increased loss due to unintentional carelessness and insurance fraud to refer to increased risk due to intentional carelessness or indifference. Insurers attempt to address carelessness through inspections, policy provisions requiring certain types of maintenance, and possible discounts for loss mitigation efforts. While in theory insurers could encourage investment in loss reduction, some commentators have argued that in practice insurers had historically not aggressively pursued loss control measures—particularly to prevent disaster losses such as hurricanes—because of concerns over rate reductions and legal battles. However, since about 1996 insurers have begun to take
12878-529: The insurance policy is called the premium . If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. A mandatory out-of-pocket expense required by an insurance policy before an insurer will pay a claim is called a deductible (or if required by a health insurance policy, a copayment ). The insurer may hedge its own risk by taking out reinsurance , whereby another insurance company agrees to carry some of
13015-413: The insured has an insurable interest established by ownership, possession, or pre-existing relationship. The insured receives a contract , called the insurance policy , which details the conditions and circumstances under which the insurer will compensate the insured, or their designated beneficiary or assignee. The amount of money charged by the insurer to the policyholder for the coverage set forth in
13152-409: The insurer will use discretion to reject or accept risks through the underwriting process. At the most basic level, initial rate-making involves looking at the frequency and severity of insured perils and the expected average payout resulting from these perils. Thereafter an insurance company will collect historical loss-data, bring the loss data to present value , and compare these prior losses to
13289-526: The investments in the London Stock Exchange . In 2007, U.S. industry profits from float totaled $ 58 billion. In a 2009 letter to investors, Warren Buffett wrote, "we were paid $ 2.8 billion to hold our float in 2008". In the United States , the underwriting loss of property and casualty insurance companies was $ 142.3 billion in the five years ending 2003. But overall profit for the same period
13426-471: The largest number of legislators to the national Parliament. The state contributes 80 seats to Lok Sabha , the lower house of the Indian Parliament , and 31 seats to Rajya Sabha , the upper house. The Government of Uttar Pradesh is a democratically elected body in India with the governor as its constitutional head and is appointed by the president of India for a five-year term. The leader of
13563-467: The largest railway network in the country but in relative terms has only sixth-highest railway density despite its plain topography and largest population. As of 2015 , there were 9,077 km (5,640 mi) of rail in the state. The railway network in the state is controlled by two divisions of the Indian Railways viz. North Central Railway and North Eastern Railway. Allahabad is the headquarters of
13700-593: The late 19th century "accident insurance" began to become available. The first company to offer accident insurance was the Railway Passengers Assurance Company, formed in 1848 in England to insure against the rising number of fatalities on the nascent railway system. The first international insurance rule was the York Antwerp Rules (YAR) for the distribution of costs between ship and cargo in
13837-475: The leaders of the movement in Uttar Pradesh, and Motilal Nehru , Jawaharlal Nehru , Madan Mohan Malaviya and Govind Ballabh Pant were important national leaders of the Indian National Congress . The All India Kisan Sabha was formed at the Lucknow session of the Congress on 11 April 1936, with the famous nationalist Sahajanand Saraswati elected as its first president, to address the longstanding grievances of
13974-443: The loss and out of pocket costs including, with the permission of the insurer, claim expenses. Under a "pay on behalf" policy, the insurance carrier would defend and pay a claim on behalf of the insured who would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language, which enables the insurance carrier to manage and control the claim. Under an "indemnification" policy,
14111-612: The losses that only some insureds may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be an insurable risk , the risk insured against must meet certain characteristics. Insurance as a financial intermediary is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses. Risk which can be insured by private companies typically share seven common characteristics: When
14248-471: The overall precipitation of the state. The rain in Uttar Pradesh can vary from an annual average of 170 cm (67 inches) in hilly areas to 84 cm (33 inches) in Western Uttar Pradesh . Given the concentration of most of this rainfall in the four months of the monsoon, excess rain can lead to floods and shortage to droughts. As such, these two phenomena, floods and droughts, commonly recur in
14385-536: The party or coalition with a majority in the Legislative Assembly is appointed as the chief minister by the governor, and the council of ministers is appointed by the governor on the advice of the chief minister. The governor remains a ceremonial head of the state, while the chief minister and his council are responsible for day-to-day government functions. The Council of Ministers consists of Cabinet Ministers and Ministers of State (MoS). The Secretariat headed by
14522-562: The peasantry and mobilise them against the zamindari landlords attacks on their occupancy rights, thus sparking the Farmers movements in India. During the Quit India Movement of 1942, Ballia district overthrew the colonial authority and installed an independent administration under Chittu Pandey . Ballia became known as "Baghi Ballia" (Rebel Ballia) for this significant role in India's independence movement. After India's independence,
14659-414: The policy. When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a claim against the insurer for the covered amount of loss as specified by the policy. The fee paid by the insured to the insurer for assuming the risk is called the premium. Insurance premiums from many insureds are used to fund accounts reserved for later payment of claims – in theory for
14796-438: The population of India or around 3 percent of the total world population. The state is bordered by Rajasthan to the west, Haryana , Himachal Pradesh and Delhi to the northwest, Uttarakhand and Nepal to the north, Bihar to the east, Madhya Pradesh , Chhattisgarh and Jharkhand to the south. It is the fourth-largest Indian state by area covering 243,286 km (93,933 sq mi), accounting for 7.3 percent of
14933-402: The population. English is used as a means of communication for education, commerce, and governance. It is commonly spoken and employed as a language of instruction in educational institutions, as well as for conducting business transactions and managing administrative affairs. Other notable languages spoken in the state include Punjabi (0.3 per cent) and Bengali (0.1 per cent). The state
15070-406: The premium collected in order to assess rate adequacy. Loss ratios and expense loads are also used. Rating for different risk characteristics involves—at the most basic level—comparing the losses with "loss relativities"—a policy with twice as many losses would, therefore, be charged twice as much. More complex multivariate analyses are sometimes used when multiple characteristics are involved and
15207-404: The reasonable monetary value of the claim), and authorizes payment. Policyholders may hire their own public adjusters to negotiate settlements with the insurance company on their behalf. For policies that are complicated, where claims may be complex, the insured may take out a separate insurance-policy add-on, called loss-recovery insurance, which covers the cost of a public adjuster in the case of
15344-555: The recorded forest area in the state was 16,583 km (6,403 sq mi) which is about 6.9% of the state's geographical area. In spite of rapid deforestation and poaching of wildlife, a diverse flora and fauna continue to exist in the state. Uttar Pradesh is a habitat for 4.2% of all species of Algae recorded in India, 6.4% of Fungi , 6.0% of Lichens , 2.9% of Bryophytes , 3.3% of Pteridophytes , 8.7% of Gymnosperms , 8.1% of Angiosperms . Several species of trees, large and small mammals , reptiles , and insects are found in
15481-754: The region. Kannauj was several times invaded by the South Indian Rashtrakuta dynasty , from the 8th century to the 10th century. After the fall of the Pala empire, the Chero dynasty ruled from the 12th century to the 18th century. Uttar Pradesh was partially or entirely ruled by the Delhi Sultanate for 320 years (1206–1526). Five dynasties ruled over the Delhi Sultanate sequentially: the Mamluk dynasty (1206–90),
15618-605: The reins of Uttar Pradesh after defeating the Mughal King Humanyun. Sher Shah and his son Islam Shah ruled Uttar Pradesh from their capital at Gwalior . After the death of Islam Shah Suri , his prime minister Hemu became the de facto ruler of Uttar Pradesh, Bihar, Madhya Pradesh, and the western parts of Bengal. He was bestowed the title of Hemchandra Vikramaditya (title of Vikramāditya adopted from Vedic period ) at his formal coronation took place at Purana Qila in Delhi on 7 October 1556. A month later, Hemu died in
15755-491: The report of the Ministry of Statistics and Programme Implementation released in 2020, the state per capita income is below ₹ 80,000 (US$ 960) per annum. As per 2011 census , Uttar Pradesh, the most populous state in India, is home to the highest numbers of both Hindus and Muslims. The literacy rate of the state at the 2011 census was 67.7 per cent, which was below the national average of 74 per cent. The literacy rate for men
15892-473: The risks, especially if the primary insurer deems the risk too large for it to carry. Methods for transferring or distributing risk were practiced by Chinese and Indian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel capsizing. Codex Hammurabi Law 238 (c. 1755–1750 BC) stipulated that
16029-456: The scope of insurance cover. Insurance can have various effects on society through the way that it changes who bears the cost of losses and damage. On one hand it can increase fraud; on the other it can help societies and individuals prepare for catastrophes and mitigate the effects of catastrophes on both households and societies. Insurance can influence the probability of losses through moral hazard , insurance fraud , and preventive steps by
16166-399: The secondary sector (industrial and manufacturing). Noida , Meerut , and Agra rank as the top 3 districts with the highest per capita income, whereas Lucknow and Kanpur rank 7th and 9th in per capita income. During the 11th five-year plan (2007–2012), the average gross state domestic product (GSDP) growth rate was 7.3 per cent, lower than 15.5 per cent, the average for all states of
16303-530: The south. It included parts of central India, north of the Narmada River and it encompassed the entire Indo-Gangetic Plain . Many communities in various parts of India claim descent from the migrants of Kannauj. Soon after Harshavardhana's death, his empire disintegrated into many kingdoms, which were invaded and ruled by the Gurjara-Pratihara empire, which challenged Bengal's Pala Empire for control of
16440-420: The south. It is characterised by hard rock strata and a varied topography of hills, plains, valleys and plateaus. The Bhabhar tract gives place to the terai area which is covered with tall elephant grass and thick forests interspersed with marshes and swamps . The sluggish rivers of the bhabhar deepen in this area, their course running through a tangled mass of thick undergrowth. The terai runs parallel to
16577-493: The southwest corner of the state to 1,000 mm (39 inches) in the eastern and south eastern parts of the state. Primarily a summer phenomenon, the Bay of Bengal branch of the Indian monsoon is the major bearer of rain in most parts of state. After summer it is the southwest monsoon which brings most of the rain here, while in winters rain due to the western disturbances and north-east monsoon also contribute small quantities towards
16714-584: The southwestern parts of the state. Uttar Pradesh is known for its extensive avifauna . The most common birds which are found in the state are doves , peafowl , junglefowl , black partridges , house sparrows , songbirds , blue jays , parakeets , quails , bulbuls , comb ducks , kingfishers , woodpeckers , snipes , and parrots. Bird sanctuaries in the state include Bakhira Sanctuary , National Chambal Sanctuary , Chandra Prabha Wildlife Sanctuary , Hastinapur Wildlife Sanctuary , Kaimoor Wildlife Sanctuary , and Okhla Sanctuary . Other animals in
16851-502: The state government, lending activities were suspended except for State Government Schemes. The state has reported total private investment worth over Rs. 25,081 crores during the years of 2012 and 2016. According to a 2015 report by the World Bank on the Ease of Doing Business in India , Uttar Pradesh was ranked among the top 10 states and was the first among the northern states. According to
16988-456: The state has been slower than the rest of the country. Estimates released by the Reserve Bank of India for the year 2011–12 revealed that the state had 59 million (59819,000) people below the poverty line, the most for any state in India. The central and eastern districts in particular have very high levels of poverty. The state is also experiencing widening consumption inequality. As per
17125-513: The state include reptiles such as lizards , cobras , kraits , and gharials . Among the wide variety of fishes, the most common ones are mahaseer and trout . Some animal species have gone extinct in recent years, while others, like the lion from the Gangetic Plain, the rhinoceros from the Terai region, Ganges river dolphin primarily found in the Ganges have become endangered . Many species are vulnerable to poaching despite regulation by
17262-470: The state is 44.4 million, which constitutes 11.8% of the total urban population of India, the second-highest of any state. According to the 2011 census , there are 15 urban agglomerations with a population greater than 500,000. Uttar Pradesh has a complex system of municipalities. Nagar Nigam (Municipal Corporation) are urban local bodies in large cities such as Lucknow, Kanpur, Varanasi and cities having population more than 4 million. These governed by
17399-454: The state. According to a research assembled by State Bank of India , Uttar Pradesh failed to improve its Human Development Index (HDI) ranking over a period of 27 years (1990–2017). Based on sub-national human development index data for Indian states from 1990 to 2017, the report also stated that the value of human development index has steadily increased over time from 0.39 in 1990 to 0.59 in 2017. The Uttar Pradesh Police , governed by
17536-595: The state. The climate of the Vindhya Range and plateau is subtropical with a mean annual rainfall between 1,000 and 1,200 mm (39 and 47 inches), most of which comes during the monsoon. Typical summer months are from March to June, with maximum temperatures ranging from 30–38 °C (86–100 °F). There is a low relative humidity of around 20% and dust-laden winds blow throughout the season. In summer, hot winds called loo blow all across Uttar Pradesh. Uttar Pradesh has an abundance of natural resources. In 2011,
17673-560: The time of the Indian independence movement in the early 20th century, there were three major princely states in Uttar Pradesh – Ramgadi, Rampur and Benares and served as a focal point for the 1857 rebellion against British rule. The state houses several holy Hindu temples and pilgrimage centres. Along with several historical, natural and religious tourist destinations, including Agra , Aligarh , Ayodhya , Bareilly , Gorakhpur , Kanpur , Kushinagar , Lucknow , Mathura , Meerut , Prayagraj , Varanasi , and Vrindavan , Uttar Pradesh
17810-491: The total area of India. Lucknow serves as the state capital , with Prayagraj being the judicial capital . It is divided into 18 divisions and 75 districts . Uttar Pradesh was established in 1950 after India had become a republic. It is a successor to the United Provinces , established in 1935 by renaming the United Provinces of Agra and Oudh , in turn established in 1902 from the North-Western Provinces and
17947-472: The vehicle, drowsiness, poor road visibility, and engineering defects. Between 2006 and 2010, the state has been hit with three terrorist attacks, including explosions in a landmark holy place, a court and a temple. The 2006 Varanasi bombings were a series of bombings that occurred across the Hindu holy city of Varanasi on 7 March 2006. At least 28 people were killed and as many as 101 others were injured. In
18084-452: Was $ 68.4 billion, as the result of float. Some insurance-industry insiders, most notably Hank Greenberg , do not believe that it is possible to sustain a profit from float forever without an underwriting profit as well, but this opinion is not universally held. Reliance on float for profit has led some industry experts to call insurance companies "investment companies that raise the money for their investments by selling insurance". Naturally,
18221-485: Was advanced on a ship or cargo, to be repaid with large interest if the voyage prospers. However, the money would not be repaid at all if the ship were lost, thus making the rate of interest high enough to pay for not only for the use of the capital but also for the risk of losing it (fully described by Demosthenes ). Loans of this character have ever since been common in maritime lands under the name of bottomry and respondentia bonds. The direct insurance of sea-risks for
18358-455: Was cited as the predominant reason for migration among females. Among males, the most important reason for migration was work and employment. Uttar Pradesh continues to have regional disparities, particularly with the western districts of the state showing higher development indicators such as per capita district development product (PCDDP) and gross district development product (GDDP) compared to other regions. Due to inadequate infrastructure and
18495-492: Was formally founded in 2012 to aim to increase insurance industry effectiveness in providing input to international regulatory bodies and to contribute more effectively to the international dialogue on issues of common interest. It consists of its 40 member associations and 1 observer association in 67 countries, which companies account for around 89% of total insurance premiums worldwide. Insurance involves pooling funds from many insured entities (known as exposures) to pay for
18632-410: Was over-speeding, which accounted for 40 per cent of deaths. Drunken driving contributed to 10 per cent of fatalities, while 12 per cent of deaths were due to driving on the wrong side. Additionally, 10 per cent of accident deaths were caused by the use of mobile phones, and 5 per cent resulted from running red lights. The remaining 23 per cent of deaths were attributed to factors such as losing control of
18769-596: Was the first train in India to get the new German LHB coaches . The railway stations of Prayagraj Junction , Agra Cantonment , Lucknow Charbagh, Gorakhpur Junction , Kanpur Central, Mathura Junction and Varanasi Junction are included in the Indian Railways list of 50 world-class railway stations. The Lucknow Metro , along with the Kanpur Metro (Orange line), are rapid transit systems that serve Lucknow and Kanpur, respectively. Insurance Insurance
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