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14.

se>, u+ $T (_Hdt
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de\T \_ksTT. 7.50 T+u\ |>
qy<T #d, y] U\T sy*q neds+
+~.

yU++< \TdT+ ~. d$T[_e~ ;<\,


\VqesZ\, ]yTq n+<TuT neds+.
ydy \VqesZ\ ]+> ydT\TuT
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d+d\T n$ |#d # e eT]jTT eeT\T
<jT esZ\, u<yTq, |{wyTq y<M\T
s+s+> +f >qT eT{ sTDeds\qT
rs\ bV+#& <++~.

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&. d. s+>sH n<q $T{ @sT
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d+ u++>T y| <w eTs* eH, +
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f\J) nqTd+<+#& q \yTq
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u+\T >MTD b+\ y|k+~.


v

<Xy|+> q><T rjT&+ / q><T yjT&+


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72% yTTu n+<TuT q f*+
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+sY yTTu #*+|\ de / D #*+|


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2. ] d$T[+ ` H|<+
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(_Hdt sk +&+) <s 2006 s+_+#sT.
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2000 eT+~ Hu |> q (2001 Hu
\ |s+) 74,000 >e u++>T ks\T
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+~.

<eT+ <s *dq $wj\T

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n+f dsTD+, ;e, |+#qT yTT<q
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u+ $T (_Hdt sk +&+{) b]w+


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<T.

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y<M\T # e> +&&+, b
nd\T y<M\T be&+ ]+~.

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nsd |#s+ s><T.

n+<Te\ sTq |jH\T \><T.


|*\qT $Xw+, deT> ] d$T[+ #
<<+ |dT |b<qqT sb+~+#&+
]+~.
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uy\qT, $TwH|+ ssV ks+X
nqT+<+> e&+ ]+~. |dT+ <X+
q 5.92 \\ >e 0.46 \\ >eH
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W{T |f $wjT+ ` XK\T, XUsV
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n+~+#&+. e ksTT yTTu bqTq |
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ks n+~+#\ |b~+#&+ ]+~. ]
d$T[ <&+ #d+<T yTTu yq T deTs
e++> |j+#Te&+ sT>TT+~.

] d$T[+
us<X+ |dT |]d

3. ] d$T[+ : us<X+ |dT


|]d
u s < X s T < X u \ y T ]
k++ eH, k+|T, ], sjT
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1/3 e+T\ eT+~ + us< X + H HsT.
2011 Hu \ |s+ e\+ 58.7%
T+u\ u++>T de\T n+<TuT
HsTT.
us<X+ |dT+ (31.03.2014 H{)
u++>T H{esY 1,15,082 u+ XK\
H{esY, 1,60,055 m{m+\ H{esY +~.
M{ 43,962 XK\T (38.2%), 23,334
m{m+\T (14.58%) >MTD b+ HsTT.

u++> de\ n+<TuT

80
70
60
50
40
30
20
10
0

2001 Hu \T

2011 Hu \T

67.8
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58.7

49.5
35.5

30.1

yTT+
>MTD
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nsTT< ee~ ] d$T[ + ` b+rjT >MTD u+\T (sYsY_\T) dV n u+\
|> ks+X+.

$es\T
>e u++>T W{T
m) XK\T
_) _d\T q >e\T
d) s $<\T
&) yTT+
_d\ <s |D b+\T

2010
2011
2012
2013
2014
@&~ eTT+| @&~ eTT+| @&~ eTT+| @&~ eTT+| @&~ eTT+|
33,378
34,174
142
67,674
447

34,811
80,802
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100.80
164.69

126.00
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81.27
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116.90
39.00

u+ eT* b<T| U ` XK\T


m) d+K $T*jTq
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44.33

73.13
57.89

81.20
109.87

u+ eT* b<T| U ` _d\T


m) d+K $T*jTq
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m) d+K $T*jTq
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dd\T (d+K $T*jTq)

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24.31

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0.26
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2.71
1.08
30.24

3.92
1.55
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5.90
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<s+ :|{ IV.7.sY_ y] y~ 2013`14


<s+ sY_. >MTD b+\T n+f 10,000 q e Hu q b+\T
jTTmdtmdt& ` nHdsY d|yT+ ddt &{ mH|d s+_+#~.
2
_d >eT+ q me # |#jT>\sT.
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d)

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u++>T de\T n+~+#&+qT {e*
d+es\ |> +< ddTHsTT. @~
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=qk>TsTT.
||+# u+ |+& n<jTq+ |s+
(2012) (http://www-wds.worldbank.org/
external/default/WDSContentServer/
IW3P/1B2012/04/19/000158349_
20120419083611/Rendered/PDF/
WPS6025.pdf), us ejqT\ e\+

l
l

35% eT+~ jTyTq u+ U +~.


> |H+&T H\ 8% eT+~ jTyTq ]
d+d\ qT+ sTD+ rdTHsT. qd+K
] d$T[ mC+&qT eT]+ y>+>
eTT+<T rdTy[ n&T>TksTT q
|\qT d+ jTyTq ] eed |<q
de+ *d #j\ dk+~.
] d$T[+| {e* eTTK esZ<s\T:
2006: qe] HH b|{ u+ $T (_Hdt
sk+&+{)\qT ] de\T n+~+#&
dt` yT Hbd sY (Last-mile infrastructure)> eeV]+#& @C+T> jT$T+#T
e& u+\ nqTeT \_++~.
2008 : @| dMT| u+ XKqT+ 15.MT
$T+q <s+ _d\qT jT$T+#s<
ss TT+#sT. Be\ _d\qT d]> |s y+ #&+
M\eT+< u$+#&+ ]+~. jTeT+
_d y& eT]+ $d] +# +& \Te]++~.
2008: sY_ yTTu u++>T sVD
esZ<s\T C#d+~. eT y{ 2009
&d+sT y<M\ |]$TT\T, u<
|eD\ <c de]++~.
2009: s T ybs d + d \ qT _d \ T>
+#& nqTeT+#sT. M] sDksT,
>dt dw q T, |d\T yTT HsTT. s dMT|
u+ XK\ qT+ 30 .MT <s+ |
|#jT & _d\ nqTeT e&+ ]+~.
2009: _d y&qT =qk+#+<T M\T>
U<sqT+ VT<yTq dy sTdTeTTqT
rdT&, u+\ nqTeT \_++~.
_d\qT bV+#& VT<y T q MTwH/
|EqT y] #*+#& u+\ nqTeT
\_++~.

l
l
l

2010 : pH sY_, {jYT (TRAI) s+&


yTTu u++>T |yX |f $wjT + eT*yT q
|+< e#sTT. {jYT +sY HH
deTd\qT, sY_ u+ d++~ $wj \qT
n+f yd |]o\q, y<M\ |]$TT\T yTT
|sy+#T |+<+ ~]+~.
2010 : d|+sT +|\ #+ (1956)
|]~ qy<q n +|\ (HH u+
|HH +|\T |) _d\T> |#jTT
nqTeT \_++~.
2010 : u+ XK qT+ _d\T m+< s+
+&\H jTeT+ L& swksTT u+s
$T{\ sj { = d+<s esT
e& d&*+#&+~.
nsTT &yT+ |]o\q u+ #d, yd
d\ nqT>TD+> HjT s]+#T
y*. Be\ U\T ]# |jT <q+>
k>TT+~.
2011: qe] ]de\ yTTu sTdTeTT\qT
|dT es{ <s\qT { qT skq
{jYT |{++~. de\+~+# keTs
dTds+ #j\ B <X+.
2011: <sY u+ U\T se&
sY_ esZ<s\T C#d+~. U
m+mHsYm yH\T, s ke
|jH\qT _{ <s HsT> eT #j
\H~ B yqT q <X+.
2012: u+ U\T se& >T]+|
<e|+>qT, sTHe <e|+>qT <sY
KqT sY_ nqTeT++~.
2012: u++>T W{T se&, |
|jq ~ |<+ neT\T #jTT us
|uT+ | dy b++ (SSA) $<H
|yX|{+~.
2012: ke |jH\ | ~ d+
<sY #*+ |\ e+q eed (APBS) |yX
|&+~.
us |uT+ | |jq ~ |<+
esZ<s\qT C#d+~.
2013 : U ]# |jT qT dT\u+ #jT &
`yd |j +#& sY_ nqTeT++~.
{jYT ] d$T[ jTTmdt.mdt.& <]
y T Tu u+ + > T de\ es Z < s \T
C#d+~.
2014: sY_ _Hdt sk +&+{ y& |]~
$d+ #d esZ<s\T C#d+~.
8

$TwH $<q \\T


(6 d+u\T)

4. $TwH $<q \T (6 d+u\T):


|m+C&y $TwH $<q+ neT\T #jT&+
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Xq sc\T, yeT| rey< \,
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qT+ 15, >dT 2018) de\+~+#&
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n+~+#&+: >dT 2015 H{ U\T
T+u\ u+ U\T se&
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11

<sT sT| &_{ sT ksT . eT* u+


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bs+_+#&+. sTy L& =qk+
#&+.
$TwH +< yTT<{ d+es+ yTT<{ eT&T
d+u\| me <w |&+ sT>TT+~.

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13

5. ] d$T[ |D[ \ee~

2018, >dT 14e B H{ d+|Ps ]


d$T[+ +< *q $<+> s+&T <X\
k~+#T |b~+#sT:
|<eT <X (15 >dT, 2014 ` 14 >dT, 2015)
l
eT*edT \T, H $ { nes<\Tq Xq
sc\T, Ve#|<X, sK+&, eT
osY, 82 yeT| rey< (LWE) \T
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l
b<$ T u+ U\T ] 1 \s bjT\
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~rjT <X (15 >dT, 2015 `14 >dT, 2018)


u+ U sTH\\T d+|s+>
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s+&e <X = se\qT e
<X L& #jT&+ sT>TT+~. n<q+>,
<X =+&b+, ]q, deTk
b+ T+u\ de\+~+#&+
sT>TT+~. <X T+u\ $T*q
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T+~.

\k<H ePV+

6. \k<H ePV\T
l

15

| \\qT k~+#& \_<sT\+<]


dVs+ ePVs#q #j*. |uT
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de\Tq bdT |dT y] u+ $T
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22

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23

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24

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b+\ #] de#s deTs
e++> sV+#& k+ $CH
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+s{ u++>T, m{m+ yTT<q$
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n+~+# de\T u++>TqT k<sD H
n+<TuT #sTT. M{ = :

30

u+ \T, b+rj T >MTD u+ \T


(sYsY_) n \ u++>T de\ eedq T
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l
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`yd yd |]o\q deTse+yTq
|jT> nesq #eTD ysD (]sT\
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l

31

dT\Ty+~. n u+\T $<H nqTd]dT


HsTT. b $<H nqTd]+# |jT
HsTT. u$wT |< mTq U\T se&
`yd |jTqT |j+#&+ sT>TT+~.
(ii) yTTu u++>T <s y<M\T
yTTu bH $|e+ <X e]yk+~.
<$<+> n+<TuT, y<M\ $wjT+ ~
u++>T $|e eTeT+~. H&T us< X + 886
$T*jTq yTTu HsTT. esTeT\ >e
L& keqT&T yTTu y&&+ H&T k<sDyT
bsTT+~. yTTu y&+<s 1/4 e+T\ eT+~
>e\T / q |D eddTHsT. yTTu bq
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esZ\ |\T #dT+&&+ <w +#T= |{
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yTTu H{esY ]f\sYqT d+|~+ &T rjT&+ /
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U de\T, #T nusq, _\T #*+|\T
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de\T. yTTu u++>T de\T mdtm+mdt
<s L& n+<TuT HsTT.
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(iii) D #*+| eed (m+|mdt)


2010 qe+sY 22q mH|d D #*+|
eed (m+|mdt)qT s+_+#&+ ]+~. ys+
7 sE\ u+\ eT< yTTu bH\ <s
m\ <T\ ~ de, +s{ u++>T &
m{m+\T B +{sTT. u+ #*+|\
|jT q\T>TsT u>keTT\T +{sT. n+f
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(iii) u+\T & (iv) CrjT ] d#Y ` mH|d
.
m+|mdt <s &T #*+ #&, |+|ysT
yTTu u++>TqT |j+#*. rdTH y]
yTTu H+sT y] u+ qy< +&*. n|&T
rdTH y] U &T DyT eT neT+~.
qy<T d+ &T ydysT yTTu u++>T d+
qy<T #dTy*. yTTu eT &+{|jTsY
(m+m+&) & yTTu u++> |H (m+|mH)\qT
b+~H y<M s+ueTeT+~. m+m+& 7
n+\ d+K. U<sT qy<T sy u+
B dT+ ~. \_<sT n& / yT yTTu q+sTqT
u+ U qy<T #d m+m+& b+<*.
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u+ |+b*. rdTH y] mdtm+mdt <s
q U &T eT nsTT+< ssD d+<X+
n+<TT+~. us CrjT #*+ |\ d+d (mH|d )
+sY u+ yTTu #*+| de (m+|mdt)
&&TTq~.
(iv) d ` m{m+\T
d m{m+\T jyT{ ssD eed
*q # |j+#>\ k<H\T. >MTD /

q |D +< m{m+\T |>\>& e


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|sD+ yTTu HH nqTd+<qyT
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B n+<TuT +#TsT. U<sT eT
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k<sD |\ u++>T ks\T me>
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y T Tu u+ + > T deqT mdt m +mdt
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ddT qT u< < u$ksT ` <
yTTu u++>T j|tqT |j+ #jTe#T.
m+ +sy nsTTH, yTTu u++>T j|t
32

q |< q deTd @$T+f M{ &H& #dT ,


yTTu bH Hk #dT y* +T+~. us< X
y&+<s 40% q eeT+~ C2m+
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H{esY @ yTTu bH qT+#H jTTmdtmdt& deqT
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#dTy*q neds+ <T. |sYmdt H${
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*q neds+ <T. mdtm+mdtq u<yT+~.
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#d b+<e#T. f*+ ddTq+~+#ysT ({mdt|)
n+<] <s q+sTH b+<e#T. yTTu
sMT< +sy yTqT <s y<M s|e#T.
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<T\T ~ #jTe#T. U\ \TdTe#T.
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s+_ksT.
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us u+\T, ] d+d\ T m\ #*+ |\
bZH &&TT+~. B <s &=yTd, z|H
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sT| nH |<+H CrjTue+ $T& +~.
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us $j><sT\T, ybsT\T, u+\
neds\qT rsTksTT. sT| &_{ sT |j H\T,
de, y~ q ds+, meeT+~ B
33

n+^]+#&+, sT| u+&T Xe\ de me


eT+~ d+| e>\<T. B |< qyTq n+X\T:
l
e KsT, u]+#>*>~.
l
$j><sT\ neds\ nqT>TDyTq de.
l
us $j><sT\ de#s |]sD.
l
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neX\qT n+~dT+~.
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< sY < M s D @ u+ _H d t
sk+&+T <s HH HH ] d$T[
y<M |mdt (yT m{m+) < jdt
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<sY q><T ~. U<sT m|mdt y<M
s|& ` mH (U<sT U q u+qT
>T]+#&+) eT]jTT <sY H+sT neds+.
(viii) <sY #*+|\ e+q $<q+
<sY #*+ |\ e+q $<q+ <s |uT +
qT+, |uT d+d\ qT+ <sY nqTd+<
U\ \_<sT\ u+\T, bdT |dT\
#*+|\T ~ nesTT. e\ _{, &_{/
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d+d, <sY H+sY |+|e\dq yTT+
|\TqT jsT #d d++~ u+ <sY
#*+|\ e+q $<q+ <s |+| d]bT+~.
<T\T #s>H u+ n& / yT mdtm+mdt
<s >, eTs es+Z > n+f u+, U
<sT eT< q eTwH esZ+ *jT
CdT+~.
yTTu f*b
<s ] de\T

yT yTTu,
jyT{ m{m+\T

ksYsT\T |mdt
f]q
] d$T[
<V<|& f\J\T
jyT{
|sD+

+s{`mHT
jdt\T, |d\T
n q XK\T

34

|syD |]b\H eed

9. |syD |]b\H eed


9.1. +<ksTT
<s+
]eT+

s duT\T
|syD ee~
$TwH H+
eTwH eT+
eT&T H\\ k]
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s<] (m|tmdt), sY_ >essY
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s<] (sY&),#sH _m
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s<] (m|tmdt) &|P{ >essY (sY_)
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&mHd, d _m, dm+&
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HusY #sH, mH|d d
$TwH d+#\\T d+jTT s<] u+\ H& n~sT\T
ysk] /
(m|t)
HusT, mH|d, _mdtmHm
|+ sE\k]
9.1.1. &ssY (m|t) n&wq $TwH &ssY> +{sT
9.2. swksTT
<s+
s duT\T
|syD ee~
sw ksTT
Mq+es
|<q u+\ n~sT\T,
H\k]
#sD
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sY_ b+rjT |<H~sT\T,
$T{
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HusY, ;e +|\T yTT<q$.
(<) |<q
s<] (])
mHsYmmyT
deTqjT+ =s
9.2. sw #sD $T{ sw s< q mdtm_d qsY u+ qs yTHsY s<]>
+{sT. | deTqjT+ d+ sc\T djTsY d{ n~] ] &|PfwH| mdtm_d qsY
u+ d+es+ bT |+b\ s&yT+~.
9.3. ksTT
<s+
s duT\T
|syD ee~
ksTT
sY
u+\ n+
|k]
#sD
(&d)
djTsY n~sT\T eT]jTT
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HusT, mHsYmm+ duT\T,
;e +|\T,
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k d+d\T
9.3.1. & yTHsY (m&m+) #sD $T{ s<]> eeV]ksT.
9.3.2. $T{ |~VqT sE\k] deyXeTT+~. =*H eT* edT\ \q s#T>
deyX+ e#T. esTd> ]> s+&T deyX\ d+ < &d VsT e&+ |d].
36

|syD jT++>+ / m+mdt

37

10. |syD jT++>+ / m+mdt:


10.1. u+ $T (_Hdt sk+&+{) @sTqT
HH |sy+#+<T &m|tmdt financial services.gov.in nH yu bs
qT @sT
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de\+~+#+<T ~ <V<+ #dT+~.
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y> jsT#j*.
(a) |P] #dq >e\T, de\+< T+u
= U nedsyTq$.
(b) |P]#dq >e U T+u\T.
d+ T+u |#d U { <
b UqT |qsT<]+#&+.
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T+u\T
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b+ de\+< T+u\T, C
U / b U |qsT<sD nedsyTq$.
(e) >MTD, |D b+ @sT #dq =
u+ $TT\ (_Hdt sk +&+{) $es\T
10.3. ksTT u+ $T (_Hdt sk+
&+{)qT |sy+#& | u+
m+mdt eed +T+~. y~\ qeTH
ds+> +#&+ d+, @+> +#&+
d+ |eD]ksT. Bd+ &m|tmdt
@sT #dq bs eT+ | +& B
n|t& #ksT.
10.4. m+mdt &m|tmdt bs *+C

+T+~. n+f "financialservices.gov.in"


bs #&& e\dq &, bdtesY \qT
n u+\ |{ #sT.
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s+&~ mdtm_d\T q y~\T. M{
ksTT ds\ $es\T+{sTT. |<+
bs+_+q 3 H\\> ksTT ds\qT
|P] #j*.
10.6. d_mdt s T+ duT\ +{
>VD +{ |<> *+ #j \, <s
T+u\ |#s deTjT+ de\+~q
y] d+K K+> \TdT+< u$+#&+
]+~.
10.7. ysk] |> dMT d+ _m |s yD
$T{ @sT#dT +T+~. &m|mt dt bs
qT+ |syD de#s rdT+{sT.
10.8. sEy |syD &m|tmdt dsY |DT
\ bC yTHCyT+T >|tqT @sT
#ksT.
10.9. mdtm_d\ d+sY H s TTq {|
H+sY +T+~. U se&+ +<T
\Tq e\T H+sY bH #d #|e#T.
y] |s<T qy<eT+~. < 15
sE\| q #s rdTe\d+~>
sT d++~T\ *jTCksT.

38

|ks e<e\T, |#s+

39

11. |ks e<e\T, |#s+:


+<ksTT, sw ksTT, / k ksTT\
|{w + > q+ |#s+ #j *. |#s eedq T,
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sw ksTT u+s $T{\T (mdtm_d\T) _m/
Hus T d +q es Z < s \ | s +
deTqjT|sTksTT. nsTT k ksTT |#s
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+<ksTT
m
m
m

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m\
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k ksTT (b+rjT uw)


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40

$TwH neT\T >T]+q dy

41

12. $TwH neT\T >T]+q dy


12.1. f*+ H${
<X+ ]q, =+& b+ f*+
H{esY n+ $XdjT+> <, n+<Te\
b+ u+ U\T se& u+ $T
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m|tmH)qT |j+#T=q& u+\T L&
w #ksTT.
12.2. U\qT dJe+> +#&+
|uT |j H\T ` +<, sw < k
|uT \T #$ @yH ds U\ <s sy*.
nsTT $wjT + =ksT &| d +{+<,
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sk+&+{) qeTH | u+&+>T, C>
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12.4. | |j q ~ | u+\ $TwH


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nTe+{ b+\ s+&e <X de\+~
ksT.

42

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43

13. |<q u>keTT\ b:


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l
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<sUdT<sT:
|P] |sT, $& ns\ (|sT, +{|sT) l /leT / e] `````````````````````````````````
+& / us |sT $& ns\ : l `````````` |{q ~ ````````` *+>+: |sTw /d
e : eekjT+ / ddT / >VD/ ybs+/ s+ ````````````````````
f*bH H+ ````````` yTTu H+ ````````` yTsTT & ````````
U sVD d#q\T ```````````````````````````````````````````````````````````
|dT sTHe ``````````````````````` |H ``````````````` XX sTHe:````````````
````````````````````````````````` |H `````````````````````````````
e\dq s d<Tbj\T (nedsyTq# { |+&)
.d+. $es\T
y*
e<T
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y*
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1
bdtT
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yTTu u++> d<TbjT+
7.
<sY d+K nqTd+<q+ `````````````````````````````````
n+<TuT +f zsY >T]+| H+. ``````````````````````````
HeT sX+ (H$THwH)
&b{
jT&T
&b{
]w
n<q|
jT jT U<sT ejTdT
jT&T
s+
d+K
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d++<+
(H$T)
sTHe
yTqsY nsTT
n&/yT
qq B

B H{ jT&T yTqsY qT l / leT /e] ````````````````````````` sTHe


``````````````` ejTdT ``````````` y] HqT / yTeTT / yTqsY #bsTTq |+ &b{ #dq yTT
rdT=q& HqT / yTeTT jT$TdTHeTT.
HqT/yTeTT u+ |t s& b<T| U wsT\ +<q\ & +{eTT.
| $es\qT |]o*+#&+ ]+~.
1.````````````````` 2.``````````````````
_Hdt sk+&+{ (_d) |sT
<sUdT<sT(\) d+eTT (\T)
d++
H T+ neds\ =s zesY &|t |]$T s. ``````````````` (s. ``````````````````````````)
eT+psT #jTe\d+~> sTTHqT. $wjT+ u+ s+q +<q\ & +{qT. H yTT+ y]
<jT+ n eqsT\ qT+ s. ````````````````` H |<q <jT esZ+ ``````````````````
(<sUdT<sT d++)
57

<sUdT yqTy|
s\jT |j>+ d+ eyT
(bdd+> + X+H yTy)
XK : ````````````````` XK ``````````````````` |<+ & : mdt_124/150
U<sT/\ |sT/\T ```````````````````````````````````````````````````
U d+K
U<sT & H+. (>T]+| d+K)
<sU dT< sT(\T)/ |{ + q y]<jT+ $$< eqsT\ qT+ s. ``````````````````````` eT+psq zesY&|t
|]$T s. ```````````````````` (s. `````````````````````````````````)
e& sT:` udt sT G `````% d e&sT ```````````%
ee~ : 12 H\\T
|\T : 1 ` & | H{ 2 ` n| rdTH ysT VMT =qkkeT d++ #dq K
dbsdT #jT&+~
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b<T| U $u>+

eT+psT #jT&+~
eTTK/ djTsY / XU sVD~]

<sUdT<sT(\T) deT]+#e\dq yd >T]+|


<Te|\T / |\T
(+~ s+&T |{\ u+ y<j>yTq @< |+)
|{ `1
|{ `2
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{esT .d+. ({e*/C |\T >T]+|d+) {esT
1.
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b{ &$+> dqT
2.
m+mHsYm Cu sT
2.
f*bH _\T, $<TT _\T, swH sT
3.
zsT >T]+| sT
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u+ U d{yT+{ (sTHe)
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4.
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4.
u+ yd sTHe sTEe#
eTs |yTH
5.
<sY sT
5.
<sY sT, zsT sT
6.
sY_ esZ<s\ |s+ eTs
6.
$yVTq d\T us sTHe
s <Te|yTH
d #\T
<sUdT<sT >T]+| d+ q |\ $es\T:
y |q #|q yd |\T |+ u+ |dT+ U q U<sT (d+ sT H\\ bT
yd +<q\ UqT d+|s+> sV+qysT) <sUdT<sT |]#jT+ #j*.
|sT
U H+.
sTHe
U ]q B
U<sT &
yTsTT
XK|sT
yTTu H+.
U due+ mdt_/dm/dd/&
l / leT / e] ````````````````````` > `````````````` H\\T / d+es\T> H
\TdTq, ysT U se& <sUdT *|q e, b{qT sTHeqT H *dq+es yTq
<TM]dTHqT.
(|]#jT+ #d y] d++)
58

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6.

nqT+<+`9
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u+ |sT

n\Vu< u+
+<u+

u+ |t s&

u+ |t +&j
u+ |t eTVsw
qs u+

yTH+> &ssY
(mdt_) / mL{y &ssY
l C..d+> UsY
mL{y &ssY

yTH+> &ssY /mL{y &ssY


yTsTT/d+|~+#e\dq sTHe

l mdt..
mL{y &ssY

edsectt@andhrabank.co.in

l _._. Cw
mL{y &ssY

edk@allahabadbank.in

yTTu : 8334030786
+&H: 033 22103637
yTTu : 7702642222
+&H: 040 23240071
+&H: 040 23240079
ed.bb@bankofbaroda.co

yTTu : 8879973555
+&H: 022 66985800
b: 022 26525746

l _.|. Xs
mL{y &ssY

ed.sharma@bankofindia.co.in

l sY.. >T|
mL{y &ssY

ed@mahabank.co.in

l |.mdt. seY
mL{y &ssY

edscrt2@canarabank.com
pradyuman_shankar@canarabank.com

yTTu : 09920424254
+&H: 022 66685604
yTTu : 08698655556
+&H: 020 25535572
yTTu : G919686568740
+&H: 080 22234280
080 22116918
b : 080 22293516

7.
8.
9.
10.

11.
12.

59

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mL{y &ssY

edanimesh@centralbank.co.in

l _udt esY lye


mL{y &ssY
l w >TV
mL{y &ssY

edbks@corpbank.co.in

l mdt..$. lydH
mL{y &ssY

s_srinivasan@idbi.co.in

l _. sCesY
mL{y &ssY

edsect@indianbank.co.in

l nT n>s
mL{y &ssY

agarwal@iobnet.co.in

yTTu : 09167227788
+&H: 022 22025611
yTTu : 9900019401
trishna.guha@denabank.co.in

yTTu : 9167002300
+&H: 022 26545793
yTTu : 09821850501
+&H: 022 66552039(Direct)
022 22151244
yTTu : 08754570880
+&H: 044 28134433
yTTu : 8939447777
+&H: 044 28524546

13.

14.
15.
16.
17.

18.
19.
20.
21.
22.
23.
24.
25.
26.

27.

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ed@obc.co.in

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l csY k+d
mL{y &ssY
&. syT mdt. d+>|s
mL{y &ssY

kishoresansi@psb.co.in

l mdt. y+seTH
dm+ (sY_)

cgmrb@sbbj.co.in

l $. $XH<H
dm+ (sY_)

sbhcgm2@sbhyd.co.in

&. m+.. y<H


&|P{ m+& (sYmdt)

dmd.rsnbg@sbi.co.in

l DY eTTK
dm+

cgmrb@sbm.co.in

l mdt. $jYTesY
dm+ (sY_)

cgmnb@sbp.co.in

l d+Jy wH
(N|t qs yTHsY`sY_)

sbtcgm@sbt.co.in

l {.. lye
mL{y &ssY

coedsec@syndicatebank.co.in

l C.. >sYZ
mL{y &ssY

edsec.calcutta@ucobank.co.in

|+Cu Hwq u+
mdt__C
d{u+ |t V<su<

d{u+ |t +&j
d{u+ |t yTdsY
d{u+ |t b{j
d{u+ |t {eHsY
d+&{ u+
jTT u+

yTTu : 8527207000
+&H: 0124 4126553
0124 4126554
yTTu : 08130443335
ed2@pnb.co.in

yTTu : 9810995274
+&H: 011-26184044
yTTu : 9571888800
+&H: 0141-5101257
yTTu : 09945281003
+&H: 040`23387268
040`23387267
yTTu : 7738456300
+&H: 022 22741920
yTTu : 9900039870
+&H: 080-22251570
yTTu : 08427806666
+&H: 0175-2209400
yTTu : 09567877935
+&H: 0471-2358139
+&H: 22375706
yTTu: 07259533888
yTTu : 08902497848
+&H: 033 44557830

jTjTH u+ |t +&j l . dTVD+


mL{y &ssY

ed@unionbankofindia.com

jTTH& u+ |t +&j l d+jYT s


mL{y &ssY

edubi@unitedbank.co.in

$ju+

l _.mdt. sese
mL{y &ssY

edsecretariat2@vijayabank.co.in

l nYesY
qs yTHsY

ajit.kumar@bmb.co.in

usrjT eTV u+

yTTu : 09167570144
+&H: 22896903
yTTu : 9163012000
+&H: 033 22623268/3269
yTTu : 09740377222
+&H: 080 25594412
b : 080 25584201
yTTu : 09873134400

61

61

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