This paper mainly determines the comparison of reliability of an existing rural area & urban area LVDS (low voltage distribution system) with their respective proposed high voltage distribution system (HVDS) and also including their 33/11 kV Substation. Ring main substation and single bus bar substation configuration are considered for urban and rural distribution systems respectively. The reliability of ring bus substation used in urban area is more as compared to single bus substation used in rural area. The load point reliability indices are calculated considering both substation reliability indices and radial feeder indices. The substation failure rate is calculated by considering overlapping outages approach and whereas the radial feeder indices are calculated by using cut set approach. Further, the LVDS Network is converted into the HVDS Network by replacing a high rating distribution transformer (DTR) supplying to a group of customers with Large in number with multiple small rating distribution transformers near to consumer terminals with less number of customers in each group. This conversion leads to Minimum length of LT Lines in HVDS Which results in improving voltage profile, reliability and efficiency. In this paper the disconnecting switches and alternative supply are also considered on both LVDS and HVDS Networks in the calculation of the reliability of to assess the reliability of the radial distribution system (FMEA)Failure mode effect analysis is used. This study uses a LVDS and HVDS system, and uses an alternative power source and disconnectors, to determine reliability indices of the rural area network and urban area network distribution system. In this paper the important distribution reliability indices to reduce system average interruption durations (SAIDI), Energy Not Supplied (ENS) and ASAI for LVDS and corresponding HVDS are calculated. The research idea is proposed on a Indian practical networks.