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¹›¸™½©¸ˆÅ Ÿ¸¿è¥¸ 03 Board of Directors 03

Ÿ¸ª¸œÏñ¸¿š¸ˆÅ¸½¿ ˆÅú ç¸Þê¸ú 12 List of General Managers 12
„œ¸ Ÿ¸ª¸œÏñ¸¿š¸ˆÅ¸½¿ ˆÅú ç¸Þê¸ú 13 List of Dy. General Managers 13
2017-18 ˆÅú Ÿ¸º‰¡¸ ñ¸¸÷¸½¿ 14 Highlights of 2017-18 15
Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¹¨¸î¸ú¡¸ ç¸Þ금Š17 Key Financial Indicators 19
ç¸Þ긛¸¸ 21 Notice 33
¹›¸™½©¸ˆÅ¸½¿ ˆÅú ¹£œ¸¸½’Ä 47 Directors Report 51
œÏñ¸¿š¸ˆÅú¡¸ œ¸¹£ê¸ê¸¸Ä ‡¨¸¿ ¹¨¸©¥¸½ß¸μ¸ 56 Management Discussion and Analysis 65
ˆÅ¸Áœ¸¸½Ä£½’ Š¸¨¸›¸½ôç¸ ¹£œ¸¸½’Ä 74 Corporate Governance Report 99
稸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸½¿ ˆÅú ¹£œ¸¸½’Ä (ç’ÿè‚¥¸¸½›¸) 128 Independent Auditors Report (Standalone) 171
ç’ÿè‚¥¸¸½›¸ ÷¸º¥¸›¸-œ¸°¸ 132 Standalone Balance Sheet 175
ç’ÿè‚¥¸¸½›¸ ¥¸¸ð¸ ‡¨¸¿ ª¸¹›¸ ¥¸½‰¸¸ 133 Standalone Profit & Loss Account 176
ç’ÿè‚¥¸¸½›¸ ‚›¸ºç¸Þ¹ê¸¡¸¸Â 1 總 18 134 Standalone Schedule 1 to 18 177
ç’ÿè‚¥¸¸½›¸ ›¸ˆÅ™ú œÏ¨¸¸ª ¹¨¸¨¸£μ¸ 169 Standalone Cash Flow Statement 212
稸÷¸¿°¸ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸½¿ ˆÅú ¹£œ¸¸½’Ä (縟¸½¹ˆÅ÷¸) 214 Independent Auditors Report (Consolidated) 240
縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸-œ¸°¸ 216 Consolidated Balance Sheet 242
縟¸½¹ˆÅ÷¸ ¥¸¸ð¸ ‡¨¸¿ ª¸¹›¸ ¥¸½‰¸¸ 217 Consolidated Profit & Loss Account 243
縟¸½¹ˆÅ÷¸ ‚›¸ºç¸Þ¹ê¸¡¸¸Â 1 總 18 218 Consolidated Schedule 1 to 18 244
縟¸½¹ˆÅ÷¸ ›¸ˆÅ™ú œÏ¨¸¸ª ¹¨¸¨¸£μ¸ 238 Consolidated Cash Flow Statement 265
ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ 267 Risk Management 293
ˆÅ¸£¸½ñ¸¸£ú „™¸¹¡¸÷¨¸ ¹£œ¸¸½’Ä 268 Business Responsibility Report 294
›¸¸Ÿ¸¸¿ˆÅ›¸ ûŸÁŸ¸Ä 319 Nomination Form 320
‹¸¸½ß¸μ¸¸-œ¸°¸ 321 Declaration 323
¨¡¸¹Æ÷¸Š¸÷¸ ù¸¸›¸ˆÅ¸£ú, ‹¸¸½ß¸μ¸¸ ‚¸¾£ ¨¸ê¸›¸œ¸°¸ 325 Personal Information, Declaration and Undertaking 327
¥¸¸ð¸¸¿©¸ ‚¹š¸™½©¸ ûŸÁŸ¸Ä 329 Dividend Mandate Form 330
œÏ¸ÁÆç¸ú ûŸÁŸ¸Ä 331 Proxy Form 332
ª¹£÷¸ œ¸ª¥¸ - ©¸½¡¸£š¸¸£ˆÅ¸½¿ 總 ‚œ¸ú¥¸ 333 Green Initiative - Appeal to Shareholders 333

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œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Head Office
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸, Union Bank Bhavan,
239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä, 239, Vidhan Bhavan Marg,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Nariman Point,
Ÿ¸º¿ñ¸ƒÄ - 400 021. Mumbai - 400 021.

ˆ½¿ÅÍú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Central Office

¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸, Union Bank Bhavan,
239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä, 239, Vidhan Bhavan Marg,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Nariman Point,
Ÿ¸º¿ñ¸ƒÄ - 400 021. Mumbai - 400 021.

¹›¸¨¸½©¸ˆÅ 總¨¸¸¡¸½¿ œÏ𸸊¸ Investor Services Division

¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸, Union Bank Bhavan,
239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä, 239, Vidhan Bhavan Marg,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Nariman Point,
Ÿ¸º¿ñ¸ƒÄ - 400 021. Mumbai - 400 021.

£¹ù¸ç’︣ ‡¨¸¿ ©¸½¡¸£ ’︛ç¸ûÅ£ ‡ù¸½¿’ Registrar & Share Transfer Agent
踒¸Ÿ¸¾¹’Æç¸ ¹ñ¸¹ù¸›¸½ç¸ 縸½¥¡¸Þ©¸›ç¸ ¹¥¸. Datamatics Business Solutions Ltd.
œ¥¸¸Á’ ÇÅ. ñ¸ú-5, œ¸¸’Ä ñ¸ú, Plot No. B-5, Part B,
ÇŸÁç¸ ¥¸½›¸, ‡Ÿ¸.‚¸ƒÄ.èú.ç¸ú., Ÿ¸£¸½¥¸, Cross Lane, MIDC, Marol,
‚¿š¸½£ú (œ¸Þ¨¸Ä), Ÿ¸º¿ñ¸ƒÄ - 400 093. Andheri (E), Mumbai - 400 093.

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FOR P A & ASSOCIATES FOR S BHANDARI & CO FOR C N K & ASSOCIATES LLP

CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS

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FOR KIRTANE & PANDIT LLP FOR R S PATEL & CO. FOR M G B & CO. LLP

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 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
¹›¸™½©¸ˆÅ Ÿ¸¿è¥¸ / BOARD OF DIRECTORS


 Ÿ¸º‰¡¸ ç¸÷¸ˆÄÅ÷¸¸ ‚¹š¸ˆÅ¸£ú / CHIEF VIGILANCE OFFICER
ýú ‡Ÿ¸. ¨¸ú. ‡ç¸. ‡›¸. Ÿ¸Þ÷¸úÄ Shri M. V. S. N. Murthy
Ÿ¸ª¸ œÏñ¸¿š¸ˆÅ / GENERAL MANAGER
1 ýú œ¸¿ˆÅù¸ ©¸Ÿ¸¸Ä Shri Pankaj Sharma
2 ýúŸ¸÷¸ú £½‰¸¸ œ¸ú ›¸¸¡¸ˆÅ Smt Rekha P Nayak
3 ýú ù¸ú ‚¸£ œ¸¸è¥¸ˆÅ£ Shri G R Padalkar
4 ýú ‡ ˆ½Å ™ú¹®¸÷¸ Shri A K Dixit
5 ýú èú èú ¹Ÿ¸ç°¸ú Shri D D Mistry
6 ýú œ¸ú ç¸ú œ¸¸¹μ¸ŠÏªú Shri P C Panigrahi
7 ýú ‚¸£ ˆ¿Å™¸ç¸¸Ÿ¸ú Shri R Kandasamy
8 ýú 縿ù¸¡¸ ©¸Ÿ¸¸Ä Shri Sanjay Sharma
9 ýú ¨¸ú ¨¸ú ©¸½μ¸¸Á¡¸ Shri V V Shenoy
10 ýúŸ¸÷¸ú Ÿ¸¸½¹›¸ˆÅ¸ ˆÅ¸¹¥¸¡¸¸ Smt Monika Kalia
11 ýú œ¸ú ‚¸£ £¸ù¸Š¸¸½œ¸¸¥¸ Shri P R Rajagopal
12 ýú ¨¸ú œ¸ú „縸¹£¡¸¸ Shri V P Usharia
13 ýú ‚¸£ £¸Ÿ¸¸›¸¸˜¸›¸ Shri R Ramanathan
14 ýú ‡ç¸ ˆ½Å Ÿ¸ª¸œ¸¸°¸¸ Shri S K Mohapatra
15 ýú ñÏù¸½æ¸£ ©¸Ÿ¸¸Ä Shri Brajeshwar Sharma
16 ýú ¥¸¸¥¸ ë縪 Shri Lal Singh
17 ýú èú ç¸ú 길¾ª¸›¸ Shri D C Chauhan
18 ýú ‡ç¸ ‡›¸ ˆÅ¸¾¹©¸ˆÅ Shri S N Kaushik
19 è¸Á. ˆ½Å ‡¥¸ £¸ù¸Þ Dr. K L Raju
20 ýú ‚¸ƒÄ ‡ ‰¸¸›¸ Shri I A Khan
21 ýú ˆ½Å œ¸ú ‚¸ê¸¸¡¸¸Ä Shri K P Acharya
22 ýú ‡ ˆ½Å ë縪 Shri A K Singh
23 ýú ‡Ÿ¸ ¨¸½¿ˆÅ’½©¸ Shri M Venkatesh
24 ýú ‚¸£ ˆ½Å Š¸ºœ÷¸¸ Shri R K Gupta
25 ýú ‡ç¸ ‡ç¸ 긛ͩ¸½‰¸£ Shri S S Chandrashekhar
26 ýú ñ¸ú ýú¹›¸¨¸¸ç¸ £¸¨¸ Shri B Shrinivasa Rao
27 ýú ¡¸¸½Š¸½¿Í ë縪 Shri Yogendra Sinigh
28 ýú ¹›¸÷¸½©¸ £¿ù¸›¸ Shri Nitesh Ranjan
29 ýú ‚¸£ ˆ½Å ˆÅ©¡¸œ¸ Shri R K Kashyap
30 ýú œ¸ú ç¸÷¡¸›¸¸£¸¡¸μ¸ Shri P Satyanarayana
31 ýú ‚÷¸º¥¸ ˆºÅŸ¸¸£ Shri Atul Kumar

 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 „œ¸ Ÿ¸ª¸ œÏñ¸¿š¸ˆÅ / Dy. GENERAL MANAGER
1. ýú ‡ç¸ ‡ê¸ ˆ¿Å˜¸¸¹£¡¸¸ Shri S H Kantharia 48. ýú ‚¹ð¸ù¸ú÷¸ ñ¸ç¸¸ˆÅ Shri Abhijit Basak
2. ýú ‚¹›¸¥¸ ˆºÅ£ú¥¸ Shri Anil Kuril 49. ýú ¨¸ú ˆ½Å ‡ç¸ ©¸¸ç°¸ú Shri V K S Sastry
3. ýú ¨¸ú ‡Ÿ¸ ˆÅ¸˜¸¨¸’½ Shri V M Kathavate 50. ýú ˆ½Å ‡ç¸ ¡¸¸™¨¸ Shri K S Yadav
4. ýú ‡ ˆÅ¼ßμ¸¸ç¨¸¸Ÿ¸ú Shri A Krishnaswamy 51. ýú ‡Ÿ¸ œ¸ú ë縪 Shri M P Singh
5. ýú èú ‡ ˆÅ¸Ÿ¸÷¸ Shri D A Kamath 52. ýú ‚¹‰¸¥¸½©¸ ˆºÅŸ¸¸£ Shri Akhilesh Kumar
6. ýú ¨¸ú ˆ½Å ýú¨¸¸ç÷¸¨¸ Shri V K Srivastava 53. ýú ¨¸¸ç¸º™½¨¸›¸ ñ¸úù¸Þ Shri Vasudevan Biju
7. ýú èú ˆ½Å ›¸¸¡¸ˆÅ Shri D K Naik 54. ýú £¸ˆ½Å©¸ 길½œ¸èõ¸ Shri Rakesh Chopra
8. ýú ¨¸ú ¨¸ú ’½¿ð¸Þμ¸½Ä Shri V V Tembhurne 55. ýú ‡›¸ ˆ½Å £¸„÷¸ Shri N K Rout
9. ýú ‡›¸ ˆ½Å ýú¨¸¸ç÷¸¨¸ Shri N K Srivastava 56. ýú èú ¹ê¸£¿ù¸ú¨¸ú Shri D Chiranjeevi
10. ýú œ¸ú ‡ç¸ £¸ù¸›¸ Shri P S Rajan 57. ýú ù¸½ ‡ç¸ ÷¸¸½Ÿ¸£ Shri J S Tomar
11. ýú ‚¸ƒÄ ¹¨¸æ¸›¸¸˜¸›¸ Shri I Viswanathan 58. ýú ’ú 縣¸¨¸¸›¸¾ Shri T Saravanai
12. ýú ¨¸ú ‡Ÿ¸ ù¸¾›¸ Shri V M Jain 59. ýú ‡›¸ ‚¸£ ù¸¾›¸ Shri N R Jain
13. ýú 𸸽¥¸¸ œÏ縸™ Shri Bhola Prasad 60. ýúŸ¸÷¸ú £¸ù¸ýú ñ¸Š¸¥¸£ú Smt Rajashri Baglari
14. ýú ‚¸£ ˆ½Å ù¸Š¸¥¸¸›¸ Shri R K Jaglan 61. ýú £¸ù¸ú¨¸ ¹Ÿ¸ý Shri Rajiv Mishra
15. ýú œÏ¨¸úμ¸ ©¸Ÿ¸¸Ä Shri Pravin Sharma 62. ýú 縨¸½Ä©¸ £¿ù¸›¸ Shri Sarvesh Ranjan
16. ýú ¨¸ú ˆ½Å ë縋¸¥¸ Shri V K Singhal 63. ýú 縺¹Ÿ¸÷¸ ýú¨¸¸ç÷¸¨¸ Shri Sumit Srivastava
17. ýú ‡ç¸ ˆ½Å ‚ŠÏ¨¸¸¥¸ Shri S K Agrawal 64. ýú ù¸ú ç¸ú ù¸¸½©¸ú Shri G C Joshi
18. ýú ˆ½Å ‡ç¸ ‡›¸ Ÿ¸Þ¹÷¸Ä Shri K S N Murthy 65. ýú ¹¨¸ˆÅ¸ç¸ ˆºÅŸ¸¸£ Shri Vikash Kumar
19. ýú ‚¸©¸º÷¸¸½ß¸ ˆºÅŸ¸¸£ ©¸Ÿ¸¸Ä Shri Ashutosh Kumar Sharma 66. ýú ‚Ÿ¸£½›Í ˆºÅŸ¸¸£ Shri Amarendra Kumar
20. ýú ‡ç¸ ˆ½Å ë縪 Shri S K Singh 67. ýú èú ˆ½Å Š¸ºœ÷¸¸ Shri D K Gupta
21. ýú ‚¸©¸ú߸ œ¸¸¿è½ Shri Asheesh Pandey 68. ýú ˆ½Å ù¸½ ýú¹›¸¨¸¸ç¸ £¸¨¸ Shri K J Srinivasa Rao
22. ýú èú ñ¸ú ˆÅ¸¿ñ¸¥¸½ Shri D B Kambale 69. ýú œ¸ú ˆ½Å ýú¨¸¸ç÷¸¨¸ Shri P K Srivastava
23. ýú ç¸ú ñ¸ú 常 Shri C B Jha 70. ýú ‡Ÿ¸ ‚¸£ Ÿ¸ª¸¥¸½ Shri M R Mahale
24. ýúŸ¸÷¸ú £þ©Ÿ¸ ƒÄ ƒÄ£¸›¸ú Mrs Rashmi E Irani 71. ýú £¿ù¸›¸ ˆºÅŸ¸¸£ Shri Ranjan Kumar
25. ýú ñ¸ú ‡ç¸ ¨¸½¿ˆÅ’½©¸ Shri B S Venkatesha 72. ýú œ¸ú ‚¸£ Š¸ºœ÷¸¸ Shri P R Gupta
26. ýú ù¸Š¸Ÿ¸¸½ª›¸ ë縪 Shri Jagmohan Singh 73. ýú ‚¸½ ‡ç¸ ˆÅ¸£¨¸¸ Shri O S Karwa
27. ýú ‡ç¸ ˆ½Å œ¸¸¹μ¸ŠÏªú Shri S K Panigrahi 74. ýú ù¸ú ˆ½Å 縺š¸¸ˆÅ£ £¸¨¸ Shri G K Sudhakar Rao
28. ýú ç¸ú ‡Ÿ¸ Š¸ºœ÷¸¸ Shri C M Gupta 75. ýú ‚¸£ ˆ½Å Š¸ºœ÷¸¸ Shri R K Gupta
29. ýú ‡ç¸ ç¸ú ÷¸½¥¸ú Shri S C Teli 76. ýú ù¸½ ‡›¸ ©¸½¶ Shri J N Sheth
30. ýú ‚¸£ Š¸μ¸½©¸›¸ Shri R Ganeshan 77. ýú ‚›¸º£¸Š¸ ê¸÷¸º¨¸½Ä™ú Shri Anurag Chaturvedi
31. ýú ‡ç¸ ˆ½Å ›¸¸£ˆÅ£ Shri S K Narkar 78. ýú ‚²μ¸ ˆºÅŸ¸¸£ Shri Arun Kumar
32. ýú œ¸ú ˆ½Å ™¸ç¸ Shri P K Das 79. ýú ‡ç¸ œ¸ú ˆÅ£ Shri S P Kar
33. ýú ’ú ¨¸ú ¨¸½μ¸ºŠ¸¸½œ¸¸¥¸ Shri T V Venugopal 80. ýú ‚¸£ ¹¨¸æ¸½æ¸£›¸ Shri R Viswesvaran
34. 縺ýú Ÿ¸ú›¸¸ ‚¸£ ‰¸››¸¸ Ms Meena R Khanna 81. ýú Š¸º£÷¸½ù¸ ë縪 Shri Gurtej Singh
35. ýú ‡ê¸ ç¸ú ¹Ÿ¸î¸¥¸ Shri H C Mittal 82. ýú ‡ç¸ ˆ½Å ë縪 Shri S K Singh
36. ýú ‚¸ƒÄ ‡ ›¸¸£¸¡¸μ¸›¸ Shri I A Narayanan 83. ýú Ÿ¸ª¸ñ¸ú£ ¨¸Ÿ¸¸Ä Shri Mahabir Verma
37. ýú ˆÅ¥¡¸¸μ¸ ˆºÅŸ¸¸£ Shri Kalyan Kumar 84. ýú ¥¸ºˆöÅŸ¸¸›¸ ‚¥¸ú ‰¸¸›¸ Shri Luqman Ali Khan
38. ýú ‡ç¸ ‡ç¸ 縣¸½¡¸¸ Shri S S Saroya 85. ýú ‡ ˆ½Å ‚þŠ›¸ª¸½°¸ú Shri A K Agnihotri
39. ýú ‡›¸ ‚¸£ 縸Ÿ¸¥¸ Shri N R Samal 86. è¸Á. £¨¸ú›Í›¸¸˜¸ ˆÅ¸½ç¸¸£¸ù¸Þ Dr. Ravindranath Kosaraju
40. ýú œ¸ú ˆ½Å 縸½›¸ú Shri P K Soni 87. ýú ¹ù¸÷¸½¿Í Ÿ¸¹μ¸£¸Ÿ¸ Shri Jithender Maniram
41. ýú ‡ ˆ½Å ¹ç¸£¸½ªú Shri A K Sirohi 88. ýú ¹¨¸œ¸›¸ ë縪 Shri Vipan Singh
42. ýú ‡ ‡Ÿ¸ ˆºÅ¥¸ý½ß¶ Shri A M Kulshrestha 89. ýú š¸ú£½¿Í ù¸¾›¸ Shri Dhirendra Jain
43. ýú ‡ ¨¸ú Ÿ¸£¸¶½ Shri A V Marathe 90. ýú £¸ù¸ú¨¸ ˆºÅŸ¸¸£ 常 Shri Rajiv Kumar Jha
44. ýú ‡ç¸ ¹™¥¸úœ¸ Shri S Dilip 91. ýú ‚ù¸¡¸ ýú¨¸¸ç÷¸¨¸ Shri Ajay Shrivastava
45. ýú ‚¿ˆ½Å©¸ ‡ ù¸¾›¸ Shri Ankesh A Jain 92. ýú ‡›¸ 긽ù¸ú¡¸›¸ Shri N Chezhian
46. ýú ç¸ú ‡Ÿ¸ ¹Ÿ¸›¸¸½ê¸¸ Shri C M Minocha 93. ýú ‚¸½ œ¸ú ñ¸¥¸¸½™ú Shri O P Balodi
47. ýú ‚¸ƒÄ œ¸ú ¡¸¸™¨¸ Shri I P Yadav 94. ýú ù¸ú ‡›¸ ™¸ç¸ Shri G N Das

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 

 ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆÅú Ÿ¸º‰¡¸ ñ¸¸÷¸½¿
31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ ñ¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ˆÅ¸£¸½ñ¸¸£ 6.22% ˆÅú ¨¸¼¹Ö ˆ½Å 縸˜¸ `7,22,362 ˆÅ£¸½èõ £ª¸.

31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ ñ¸ÿˆÅ ˆÅú ˆºÅ¥¸ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 7.96% ˆÅú ¨¸¼¹Ö ˆ½Å 縸˜¸ `4,08,502 ˆÅ£¸½èõ £ªì.

31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ ñ¸ÿˆÅ ˆÅ¸ ˆºÅ¥¸ ‚¹ŠÏŸ¸ 4.04% ˆÅú ¨¸¼¹Ö ˆ½Å 縸˜¸ `3,13,860 ˆÅ£¸½èõ £ª¸.

ˆÅ¸ç¸¸ ù¸Ÿ¸¸£¸¹©¸¡¸¸½¿ ˆÅ¸ ‚¿©¸ 31 Ÿ¸¸ê¸Ä, 2017 ˆÅ¸½ `1,30,308 ˆÅ£¸½èõ 總 6.86% ñ¸éõˆÅ£ 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½
`1,39,241 ˆÅ£¸½èõ ª¸½ Š¸¡¸¸.

31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ ‚¹ŠÏŸ¸¸½¿ Ÿ¸½¿ £¾Ÿ¸ (¹£’½¥¸, ˆ¼Å¹ß¸, ‡Ÿ¸‡ç¸‡Ÿ¸ƒÄ) ®¸½°¸ Ÿ¸½¿ 8.35% ˆÅú ¨¸¼¹Ö ªºƒÄ ÷¸˜¸¸ ‹¸£½¥¸Þ
†μ¸¸½¿ Ÿ¸½¿ ƒç¸ˆÅ¸ ¡¸¸½Š¸™¸›¸ 55% 總 ‚¹š¸ˆÅ ª¸½ Š¸¡¸¸.

©¸ºÖ ñ¡¸¸ù¸ ‚¸¡¸ 4.52% ˆÅú ¨¸¼¹Ö ˆ½Å 縸˜¸ `8,903 ˆÅ£¸½èõ 總 ñ¸éõˆÅ£ `9,305 ˆÅ£¸½èõ ª¸½ Š¸ƒÄ.

¹¨¸î¸ ¨¸ß¸Ä 2017-18 Ÿ¸½¿ œ¸¹£ê¸¸¥¸›¸ ¥¸¸ð¸ 1.48% ˆÅú ¨¸¼¹Ö ˆ½Å 縸˜¸ `7,430 ˆÅ£¸½èõ 總 ñ¸éõˆÅ£ `7,540
ˆÅ£¸½èõ ª¸½ Š¸¡¸¸.

œÏ¸¨¸š¸¸›¸ ˆÅ¨¸£½ù¸ ‚›¸ºœ¸¸÷¸ 31 Ÿ¸¸ê¸Ä, 2017 ˆÅ¸½ 51.41% 總 ñ¸éõˆÅ£ 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 57.16% ª¸½
Š¸¡¸¸.

31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ ñ¸¸ç¸¥¸-III ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸Þ¿ù¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ (ç¸ú‚¸£‡‚¸£) 10.875% ˆÅú ›¡¸Þ›¸÷¸Ÿ¸
¹›¸¡¸¸Ÿ¸ˆÅ ‚œ¸½®¸¸‚¸½¿ ˆ½Å 縸œ¸½®¸ 11.50% £ª¸. 縸Ÿ¸¸›¡¸ ƒþƨ¸’ú ¹’¡¸£-1 ˆÅ¸ ‚›¸ºœ¸¸÷¸ 7.375% ˆÅú
›¡¸Þ›¸÷¸Ÿ¸ ¹›¸¡¸¸Ÿ¸ˆÅ ‚œ¸½®¸¸‚¸½¿ ˆ½Å 縸œ¸½®¸ 7.60% £ª¸.

31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 縟œ¸Þμ¸Ä 𸸣÷¸ Ÿ¸½¿ ñ¸ÿˆÅ ˆÅú 4,301 ©¸¸‰¸¸‡Â (4 ‚¸½¨¸£ç¸úθ ©¸¸‰¸¸‚¸½¿ 縹ª÷¸) ÷¸˜¸¸
7,642 ‡’ú‡Ÿ¸ ˆÅ¸ ›¸½’¨¸ˆÄÅ ˜¸¸.

14 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 Highlights for FY 2017-18

Total Business of `7,22,362 crore as on March 31, 2018, an increase of

6.22%.

Total Deposits of `4,08,502 crore as on March 31, 2018, an increase of

7.96%.

Gross Advances of `3,13,860 crore as on March 31, 2018, an increase of

4.04%.

CASA deposit increased by 6.86% to `1,39,241 Crore as on March 31, 2018

from `1,30,308 as on March 31, 2017.

In Advances as of March 31, 2018, RAM sector (Retail, Agriculture & MSME)
increased by 8.35% and contributes more than 55% of domestic loan book.

Net Interest Income increased by 4.52% from `8,903 crore to `9,305 crore.

 2SHUDWLQJ 3URÀW IRU )<  LQFUHDVHG E\  WR `7,540 crore from
`7,430 crore.

Provision Coverage Ratio increased from 51.41% as of March 31, 2017 to

57.16% as of March 31, 2018.

Capital Adequacy Ratio (CRAR) under Basel III stood at 11.50% as on March
31, 2018 against the minimum regulatory requirement of 10.875%. Common
equity tier 1 ratio stood at 7.60% against minimum regulatory requirement of
7.375%.

 3DQ,QGLDSUHVHQFH1HWZRUNRILQFOXGLQJRYHUVHDVEUDQFKHVDQG

7,642 ATMs as on March 31, 2018.

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 15

16 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
 Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¹¨¸÷÷¸ú¡¸ ç¸Þ금Å
ÇÅ.縿. ¹¨¸¨¸£μ¸ % (œÏ¹÷¸©¸÷¸ Ÿ¸½¿) 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018

1 ñ¡¸¸ù¸ ‚¸¡¸/‚¸¾ç¸÷¸ ˆÅ¸¡¸Ä©¸ú¥¸ 8.35 8.78 8.04 8.33 9.35 9.19 8.95 8.88 8.37 7.60 6.71
¹›¸¹š¸¡¸¸¿ (‡èñ¥¡¸Þ‡ûÅ)
2 ñ¡¸¸ù¸ ¨¡¸¡¸/‡èñ¥¡¸Þ‡ûÅ 5.76 5.96 5.51 5.19 6.33 6.43 6.55 6.54 6.21 5.53 4.80

3 ñ¡¸¸ù¸ çœÏ½è/‡èñ¥¡¸Þ‡ûÅ 2.59 2.82 2.53 3.14 3.02 2.76 2.40 2.34 2.16 2.07 1.91

4 Š¸¾£-ñ¡¸¸ù¸ ‚¸¡¸/‡èñ¥¡¸Þ‡ûÅ 1.20 1.09 1.19 1.03 1.09 0.93 0.86 0.97 0.94 1.16 1.02

5 œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸/‡èñ¥¡¸Þ‡ûÅ 1.44 1.63 1.52 2.00 1.77 1.65 1.67 1.70 1.62 1.50 1.38

6 ¥¸¸Š¸÷¸ ‚¸¡¸ ‚›¸ºœ¸¸÷¸ 38.17 41.81 40.66 47.85 43.15 44.70 51.24 51.34 52.10 46.42 47.26

7 縈ť¸ (œ¸¹£ê¸¸¥¸›¸) 2.34 2.28 2.21 2.18 2.34 2.04 1.59 1.61 1.49 1.73 1.54
¥¸¸ð¸/‡èñ¥¡¸Þ‡ûÅ
8 ›¸½’ ¨¸˜¸Ä œ¸£ œÏ¹÷¸¥¸¸ð¸ 24.70 24.79 23.69 18.63 13.67 13.68 9.99 9.73 6.84 2.86 (27.99)

9 ‚¿¹÷¸Ÿ¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ 1.12 1.07 1.06 0.88 0.68 0.69 0.48 0.47 0.33 0.12 (1.08)

10 ‚¸¾ç¸÷¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ 1.26 1.27 1.25 1.05 0.79 0.79 0.52 0.49 0.35 0.13 (1.07)
œÏ¹÷¸¥¸¸ð¸
11 ‚¹ŠÏŸ¸¸½¿ œ¸£ œÏ¹÷¸ûÅ¥¸ 10.12 11.06 9.94 9.86 11.22 11.05 10.53 10.42 9.63 8.72 7.67

12 ù¸Ÿ¸¸£¸¹©¸¡¸¸½¿ ˆÅú ¥¸¸Š¸÷¸ 6.19 6.50 5.94 5.53 6.93 7.38 7.37 7.31 7.00 6.28 5.66

13 ©¸ºÖ ¥¸¸ð¸ ˆÅ¸ ¥¸¸ð¸¸¿©¸ 17.04 17.11 15.66 23.44 28.64 25.89 17.39 25.76 11.95 - -
𸺊¸÷¸¸›¸ ‚›¸ºœ¸¸÷¸ (ˆÅ¸œ¸¸½Ä£½’
¥¸¸ð¸¸¿©¸ ˆÅ£ 縹ª÷¸)
14 †μ¸ ù¸Ÿ¸¸ ‚›¸ºœ¸¸÷¸ 75.55 73.22 73.71 78.11 84.94 84.11 82.04 86.65 83.69 81.45 78.18

15 †μ¸ + Š¸¾£ ‡ç¸‡¥¸‚¸£ 78.44 76.75 80.75 84.08 86.51 87.63 90.36 93.51 88.91 87.82 83.77
¹›¸¨¸½©¸ (‚›¸ºß¸¿Š¸ú ƒÄˆÅ¸ƒ¡¸¸½¿ Ÿ¸½¿
¹›¸¨¸½©¸ ˆÅ¸½ ø¸½èõˆÅ£)-ù¸Ÿ¸¸
‚›¸ºœ¸¸÷¸
16 œ¸Þ¿ù¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ - - - - - - 10.80 10.22 10.56 11.79 11.50
(ñ¸¸ç¸¥¸ III)

¹’¡¸£— 7.54 7.50 8.14 9.02 9.07

¹’¡¸£ —— 3.26 2.72 2.42 2.77 2.43

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 17

 Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¹¨¸÷÷¸ú¡¸ ç¸Þ금Å
ÇÅ. ¹¨¸¨¸£μ¸ 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018
縿.
1 ˆÅŸ¸Ä길£ú (縿‰¡¸¸) 25722 27510 27772 27746 30838 31798 33806 35514 35473 36877 37587
2 ©¸¸‰¸¸‡¿ (縿‰¡¸¸) 2361 2558 2805 3016 3201 3511 3871 4081 4200 4282 4301
3 œÏ¹÷¸ ˆÅŸ¸Ä길£ú 6.20 6.94 8.53 10.43 10.70 12.15 13.76 14.46 15.51 16.43 17.83
ˆÅ¸£¸½ñ¸¸£
(` ˆÅ£¸½èõ Ÿ¸½¿)*
4 œÏ¹÷¸ ˆÅŸ¸Ä길£ú 縈ť¸ 10.03 11.20 13.18 15.52 17.04 17.56 15.44 16.40 16.13 20.15 20.06
¥¸¸ð¸ (` ¥¸¸‰¸ Ÿ¸½¿)
5 œÏ¹÷¸ ˆÅŸ¸Ä길£ú ©¸ºÖ 5.39 6.28 7.47 7.50 5.80 6.79 5.02 5.02 3.81 1.51 (13.96)
¥¸¸ð¸ (` ¥¸¸‰¸ Ÿ¸½¿)
6 œÏ¹÷¸ ©¸¸‰¸¸ ˆÅ¸£¸½ñ¸¸£ 67.52 74.61 84.49 95.93 103.11 110.05 120.16 125.80 130.96 141.50 155.80
(` ˆÅ£¸½èõ Ÿ¸½¿)*
7 œÏ¹÷¸ ©¸¸‰¸¸ 縈ť¸ 1.09 1.20 1.30 1.43 1.64 1.59 1.35 1.43 1.36 1.74 1.75
¥¸¸ð¸ (` ˆÅ£¸½èõ Ÿ¸½¿)
8 œÏ¹÷¸ ©¸¸‰¸¸ ©¸ºÖ ¥¸¸ð¸ 0.59 0.68 0.74 0.69 0.56 0.61 0.44 0.44 0.32 0.13 (1.22)
(` ˆÅ£¸½èõ Ÿ¸½¿)
9 œÏ¹÷¸ ©¸½¡¸£ ‚¸¡¸ (` Ÿ¸½¿) 27.46 34.18 41.08 39.71 34.07 38.93 27.99 28.05 20.42 8.08 (69.45)
10 œÏ¹÷¸ ©¸½¡¸£ ñ¸ªú Ÿ¸Þ¥¡¸ 111.19 137.87 173.38 213.17 237.48 264.37 269.37 288.01 287.51 277.76 243.44
(` Ÿ¸½¿)
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‚¸¾ç¸÷¸ ‚¹ŠÏŸ¸ : ˆºÅ¥¸ ‚¹ŠÏŸ¸¸½¿ ˆÅ¸ œ¸¸¹®¸ˆÅ ‚¸¾ç¸÷¸
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18 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 KEY FINANCIAL INDICATORS
S.No. Particulars % (In 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018
Percentage)

1 Interest Income/Average 8.35 8.78 8.04 8.33 9.35 9.19 8.95 8.88 8.37 7.60 6.71
Working Funds (AWF)

2 Interest Expenses/AWF 5.76 5.96 5.51 5.19 6.33 6.43 6.55 6.54 6.21 5.53 4.80

3 Interest Spread/AWF 2.59 2.82 2.53 3.14 3.02 2.76 2.40 2.34 2.16 2.07 1.91

4 Non-Interest Income/ 1.20 1.09 1.19 1.03 1.09 0.93 0.86 0.97 0.94 1.16 1.02
AWF

5 Operating Expenses/ 1.44 1.63 1.52 2.00 1.77 1.65 1.67 1.70 1.62 1.50 1.38
AWF

6 Cost Income Ratio 38.17 41.81 40.66 47.85 43.15 44.70 51.24 51.34 52.10 46.42 47.26

7 *URVV2SHUDWLQJ3URÀW 2.34 2.28 2.21 2.18 2.34 2.04 1.59 1.61 1.49 1.73 1.54
AWF

8 Return on Net Worth 24.70 24.79 23.69 18.63 13.67 13.68 9.99 9.73 6.84 2.86 (27.99)

9 Return on Terminal 1.12 1.07 1.06 0.88 0.68 0.69 0.48 0.47 0.33 0.12 (1.08)
Assets

10 Return on Average 1.26 1.27 1.25 1.05 0.79 0.79 0.52 0.49 0.35 0.13 (1.07)
Assets

11 Yield on Advances 10.12 11.06 9.94 9.86 11.22 11.05 10.53 10.42 9.63 8.72 7.67

12 Cost of Deposits 6.19 6.50 5.94 5.53 6.93 7.38 7.37 7.31 7.00 6.28 5.66

13 Dividend payout Ratio 17.04 17.11 15.66 23.44 28.64 25.89 17.39 25.76 11.95 - -
WR1HW3URÀW
(including Corporate
Dividend Tax)

14 Credit - Deposit Ratio 75.55 73.22 73.71 78.11 84.94 84.11 82.04 86.65 83.69 81.45 78.18

15 Credit + Non SLR 78.44 76.75 80.75 84.08 86.51 87.63 90.36 93.51 88.91 87.82 83.77
Investment (excluding
Investments in
Subsidiaries) - Deposit
Ratio

16 Capital Adequacy - - - - - - 10.80 10.22 10.56 11.79 11.50

Ratio (Basel III)

Tier I 7.54 7.50 8.14 9.02 9.07

Tier II 3.26 2.72 2.42 2.77 2.43

Annual Report 2017-2018 19

 KEY FINANCIAL INDICATORS
S. Particulars 31.03.2008 31.03.2009 31.03.2010 31.03.2011 31.03.2012 31.03.2013 31.03.2014 31.03.2015 31.03.2016 31.03.2017 31.03.2018
No.
1 Employees 25722 27510 27772 27746 30838 31798 33806 35514 35473 36877 37587
(Number)
2 Branches 2361 2558 2805 3016 3201 3511 3871 4081 4200 4282 4301
(Number)
3 Business per 6.20 6.94 8.53 10.43 10.70 12.15 13.76 14.46 15.51 16.43 17.83
Employee (Rs
in Crore) *
4 *URVV3URÀW 10.03 11.20 13.18 15.52 17.04 17.56 15.44 16.40 16.13 20.15 20.06
per Employee
(Rs in Lacs)
5 1HW3URÀWSHU 5.39 6.28 7.47 7.50 5.80 6.79 5.02 5.02 3.81 1.51 (13.96)
Employee (Rs
in Lacs)
6 Business per 67.52 74.61 84.49 95.93 103.11 110.05 120.16 125.80 130.96 141.50 155.80
branch (Rs in
Crore) *
7 *URVV3URÀW 1.09 1.20 1.30 1.43 1.64 1.59 1.35 1.43 1.36 1.74 1.75
per branch (Rs
in Crore)
8 1HW3URÀWSHU 0.59 0.68 0.74 0.69 0.56 0.61 0.44 0.44 0.32 0.13 (1.22)
branch (Rs in
Crore)
9 Earnings per 27.46 34.18 41.08 39.71 34.07 38.93 27.99 28.05 20.42 8.08 (69.45)
Share (in
Rupees)
10 Book Value 111.19 137.87 173.38 213.17 237.48 264.37 269.37 288.01 287.51 277.76 243.44
per Share (in
Rupees)
Note : * Average Business
'HÀQLWLRQV
Average Working Funds (AWF) : Fornightly average of total assets
Average Deposits : Fornightly average of total deposits
Average Advances : Fornightly average of total advances
Average Business : Total average deposits and average advances
Average Investments : Fornightly average of total investments
Interest Income/AWF : Total interest income divided by AWF
Interest Expenses/AWF : Total interest expenses divided by AWF
Interest Spread/AWF : Total interest income minus Total interest expenses divided by AWF
Non Interest Income/AWF : Total Non interest income divided by AWF
Operating Expenses : Total Expenses minus Interest Expenses
Operating Expenses/AWF : 2SHUDWLQJSURÀWGLYLGHGE\$:)
Cost Income Ratio : Operating Expenses / Non Interest Income plus interest spread
*URVV3URÀW$:) : 2SHUDWLQJSURÀWGLYLGHGE\$:)
Return on Net Worth : 1HW3URÀW1HW:RUWKH[FOXGLQJUHYDOXDWLRQUHVHUYHVDQGLQWDQJLEOHDVVHWV
Return on Assets : 1HW3URÀW7RWDO$VVHWV
Return on Average Assets : 1HW3URÀW$:)
Yield on Advances : Interest Earned on Advances / Average Advances
Cost of Deposits : Interest paid on deposits divided by average deposits
Dividend Payout Ratio : 'LYLGHQGLQFOXGLQJFRUSRUDWH'LYLGHQG7D[1HW3URÀWLQFOXGLQJ&RUSRUDWHGLYLGHQGWD[
Credit Deposit Ratio : Total advances / Customer Deposits (i.e. Total Deposits minus Inter Bank Deposits)
Credit + Non SLR Investments (excluding Investment : Total Advances + Non-SLR Investments minus Investments in subsidiaries / Customer
in Subsidiaries) - Deposit Ratio Deposits
Business per employee : Average Deposits (excluding Bank Deposits ) plus Average Advances / Total No. of employees
*URVV3URÀWSHU(PSOR\HH : *URVV3URÀWGLYLGHGE\WRWDO1RRIHPSOR\HHV
1HW3URÀWSHU(PSOR\HH : 1HW3URÀW7RWDO1RRI(PSOR\HHV
Business per Branch : Average Deposits (excluding Bank Deposits ) plus Average Advances / Total No. of branches
*URVV3URÀWSHU%UDQFK : *URVV3URÀW1RRI%UDQFKHV
1HW3URÀWSHU%UDQFK : 1HW3URÀW1RRI%UDQFKHV
Earning per Share : 1HW3URÀWGLYLGHGE\HTXLW\VKDUHFDSLWDO
Book Value per share : Net worth (excluding Revaluation Reserve and intangible assets)/ equity share capital

20 Annual Report 2017-2018

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(i) ˆ½Å ‚›¸ºç¸¸£ ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸¡¸Ÿ¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸, 1949 (ƒç¸ˆ½Å ñ¸¸™ "¹¨¸¹›¸¡¸Ÿ¸›¸
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(©¸½¡¸£ ‡¨¸¿ ñ¸¾¶ˆÅ) ¹¨¸¹›¸¡¸Ÿ¸›¸, 1998 (ƒç¸ˆ½Å ñ¸¸™ "¹¨¸¹›¸¡¸Ÿ¸›¸" ˆÅª¸ ù¸¸‡Š¸¸)
‚¹š¸¹›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 19 ˆ½Å ‚›¸ºç¸¸£ ‡¨¸¿ ‚¹š¸ç¸Þ긛¸¸ 縿‰¡¸¸ èúñ¸ú‚¸½èú ÇÅ. ñ¸úç¸ú
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"縿ˆÅ¥œ¸ ¹¥¸¡¸¸ Š¸¡¸¸ ¹ˆÅ 縿ñ¸¿¹š¸÷¸ ¡¸¸½ù¸›¸¸ ˆ½Å 縸˜¸ ¹¨¸¹›¸¡¸Ÿ¸›¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£, 𸸣÷¸ú¡¸
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9(3)(i) ˆ½Å ‚›¸ºÇÅŸ¸ Ÿ¸½¿ ˆ½¿ÅÍ ç¸£ˆÅ¸£ ˆ½Å ‚¹÷¸¹£Æ÷¸, ©¸½¡¸£š¸¸£ˆÅ¸½¿ Ÿ¸½¿ 總 ...............
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ˆ½Å ³œ¸ Ÿ¸½¿ ¹›¸¨¸¸Ä¹ê¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ ñ¸ÿˆÅ ˆ½Å ¹›¸¨¸¸Ä¹ê¸÷¸ ¹›¸™½©¸ˆÅ¸½¿ ˆÅ¸½ 28 ù¸Þ›¸ 2018
總 ˆÅ¸¡¸¸Ä¥¸¡¸ 縿𸸥¸›¸½ ˆ½Å ¹¥¸‡ ‚¹š¸ˆÅ¼÷¸ ¹ˆÅ¡¸¸ ù¸¸‡ ‡¨¸¿ ¨¸½ ¹›¸™½©¸ˆÅ¸½¿ ˆ½Å ³œ¸ Ÿ¸½¿
ˆÅ¸¡¸ÄŠÏªμ¸ ˆÅú ¹÷¸¹˜¸ 總 ÷¸ú›¸ ¨¸ß¸Ä ˆÅú ‚¨¸¹š¸ ÷¸ˆÅ ˆÅ¸¡¸¸Ä¥¸¡¸ ˆÅ¸ ˆÅ¸¡¸Ä𸸣 縿𸸥¸½¿Š¸½."
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(£¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú.)
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瘸¸›¸ : Ÿ¸º¿ñ¸ƒÄ
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›¸¸½’:
1. ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¹¨¸¨¸£μ¸
ñ¸¾¶ˆÅ ˆÅú ˆÅ¸£¸½ñ¸¸£ ˆÅ¸¡¸Äç¸Þê¸ú ÇÅŸ¸¸¿ˆÅ 2 ‚¸¾£ 3 ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ Ÿ¸ª÷¨¸œ¸Þμ¸Ä ÷¸˜¡¸
¡¸ºÆ÷¸ ¨¡¸¸‰¡¸¸÷Ÿ¸ˆÅ ¹¨¸¨¸£μ¸ ƒç¸ˆ½Å 縸˜¸ 縿¥¸Š›¸ ª¾.
2. œ¸£¸½®¸ú ˆÅú ¹›¸¡¸º¹Æ÷¸
ñ¸¾¶ˆÅ Ÿ¸½¿ 𸸊¸ ¥¸½›¸½ ÷¸˜¸¸ ¨¸¸½’ ™½›¸½ ˆ½Å ªˆÅ™¸£ ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸½ 稸¡¸¿ ˆ½Å 瘸¸›¸
œ¸£ 𸸊¸ ¥¸½›¸½ ÷¸˜¸¸ ¨¸¸½’ ™½›¸½ ª½÷¸º (ñ¸ÿˆÅ ˆ½Å ‚¹š¸ˆÅ¸£ú ‚˜¸¨¸¸ ˆÅŸ¸Ä길£ú ˆÅ¸½
ø¸½èˆõ Å£) „œ¸þ瘸÷¸ £ª›¸½ ¨¸ ¨¸¸½’ ™½›¸½ ª½÷¸º œ¸£¸½®¸ú ¹›¸¡¸ºÆ÷¸ ˆÅ£ 縈Å÷¸½ ªÿ ‚¸¾£ ¡¸ª
‚¸¨¸©¡¸ˆÅ ›¸ªì ª¾ ¹ˆÅ ‡½ç¸¸ œ¸£¸½®¸ú ñ¸ÿˆÅ ˆÅ¸ ©¸½¡¸£š¸¸£ˆÅ ª¸½. ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ
ƒ¿¹è¡¸¸ (©¸½¡¸£ ‡¨¸¿ ñ¸¾¶ˆ½Å¿ ) ¹¨¸¹›¸¡¸Ÿ¸›¸ 1998 ˆ½Å ¹¨¸¹›¸¡¸Ÿ¸›¸ 70(vi) ˆ½Å ‚›¸ºç¸¸£
œ¸£¸½®¸ú œÏœ¸°¸ œÏ™¸›¸ ˆÅ£›¸½ ¨¸¸¥¸¸ ¨¡¸¹Æ÷¸ „ç¸ ñ¸¾¶ˆÅ Ÿ¸½,¿ ¹ù¸ç¸ç¸½ 縿ñ¸¿¹š¸÷¸ œÏœ¸°¸ ª¾,
¨¡¸¹Æ÷¸Š¸÷¸ ²œ¸ 總 ¨¸¸½’ ™½›¸½ ˆÅ¸ ªˆÅ™¸£ ›¸ªì ª¸½Š¸¸. ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä ˆ½Å ‚›¸º¥¸Š›¸ˆÅ
ûŸŸ¸Ä ’ñ¸ú“ ˆ½Å ‚¥¸¸¨¸¸ œ¸£¸½®¸ú ˆÅ¸ ‚›¡¸ ˆÅ¸½ƒÄ ð¸ú œÏœ¸°¸ ¨¸¾š¸ ›¸ªì ª¸½Š¸¸.
œ¸£¸½®¸ú ûŸŸ¸Ä ˆÅ¸½ œÏ𸸨¸ú ñ¸›¸¸›¸½ ˆ½Å ¹¥¸‡ ñ¸ÿˆÅ ˆ½Å ˆ½Å›Íú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸½¿ ˆ¿Åœ¸›¸ú
縹긨¸ ˆÅ¸½ ¹›¸¨¸½©¸ˆÅ 總¨¸¸‡¿ œÏ𸸊¸, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸, 12¨¸¸¿ ÷¸¥¸,
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸, 239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä, ›¸£úŸ¸›¸ œ¸¸ƒ¿’, Ÿ¸º¿ñ¸ƒÄ-400021
ˆ½Å œ¸÷¸½ œ¸£ ñ¸¾¶ˆÅ ˆÅú ¹÷¸¹˜¸ 總 ˆÅŸ¸ 總 ˆÅŸ¸ 길£ ¹™›¸ œ¸Þ¨¸Ä ‚˜¸¸Ä÷¸Ã ©¸ºÇŨ¸¸£,
22 ù¸Þ›¸, 2018 ˆÅ¸½ ñ¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä-縟¸¸þœ÷¸ 縸¡¸¿ 5.00 ñ¸ù¸½ ÷¸ˆÅ ¡¸¸ „ç¸ç¸½
œ¸Þ¨¸Ä Ÿ¸º‰÷¸¸£›¸¸Ÿ¸¸ ‚˜¸¨¸¸ ‚›¡¸ ‚¹š¸ˆÅ¸£ œ¸°¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¾ ÷¸¸½ „縈½Å 縸˜¸,
¹ù¸ç¸ˆ½Å ‚›÷¸Š¸Ä÷¸ ¡¸ª ªç÷¸¸®¸¹£÷¸ ª¾ ‚˜¸¨¸¸ „ç¸ Ÿ¸º‰÷¸¸£›¸¸Ÿ¸¸ ˆÅú œÏ¹÷¸ ‚˜¸¨¸¸
‚›¡¸ ‚¹š¸ˆÅ¸£ œ¸°¸, ¹ù¸ç¸½ œ¸þñ¥¸ˆÅ ›¸¸½’£ú ‚˜¸¨¸¸ Ÿ¸¹ù¸ç’ï½’ ׸£¸ ç¸÷¡¸
œÏ¹÷¸¹¥¸¹œ¸ ˆ½Å ²œ¸ Ÿ¸½¿ œÏŸ¸¸¹μ¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¸½, ù¸ñ¸ ÷¸ˆÅ ¹ˆÅ ƒç¸ œÏˆÅ¸£ ˆ½Å
Ÿ¸º‰÷¸¸£›¸¸Ÿ¸¸ ‚˜¸¨¸¸ ‚›¡¸ ‚¹š¸ˆÅ¸£ œ¸°¸ ˆÅ¸½ ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ œ¸Þ¨¸Ä Ÿ¸½¿ ªú ù¸Ÿ¸¸ ‚¸¾£
œ¸¿ù¸úˆÅ¼÷¸ ›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¸½, ‚¨¸©¡¸ œÏ¸œ÷¸ ª¸½›¸¸ 길¹ª‡.
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3. œÏ¸¹š¸ˆÅ¼÷¸ œÏ¹÷¸¹›¸¹š¸ ˆÅú ¹›¸¡¸º¹Æ÷¸
¹ˆÅç¸ú ˆ¿Åœ¸›¸ú ¡¸¸ ¹ˆÅç¸ú ¹›¸ˆÅ¸¡¸, ¹›¸Š¸Ÿ¸, ù¸¸½ ñ¸ÿˆÅ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ ªÿ, ˆ½Å
¹¨¸¹š¸¨¸÷¸ œÏ¸¹š¸ˆÅ¼÷¸ œÏ¹÷¸¹›¸¹š¸ ˆ½Å ³œ¸ Ÿ¸½¿ ˆÅ¸½ƒÄ ¨¡¸¹Æ÷¸ ñ¸¾¶ˆÅ Ÿ¸½¿ „œ¸þ瘸÷¸
£ª›¸½ ¡¸¸ ¨¸¸½’ ™½›¸½ ˆ½Å ¹¥¸‡ ÷¸ñ¸ ÷¸ˆÅ œ¸¸°¸ ›¸ªì ª¸½Š¸¸, ù¸ñ¸ ÷¸ˆÅ „總 ¹¨¸¹š¸¨¸÷¸
œÏ¸¹š¸ˆÅ¼÷¸ œÏ¹÷¸¹›¸¹š¸ ˆ½Å ³œ¸ Ÿ¸½¿ ¹›¸¡¸ºÆ÷¸ ˆÅ£›¸½ ˆ½Å 縿ˆÅ¥œ¸ ˆÅú „ç¸ ñ¸¾¶ˆÅ ˆ½Å
‚š¡¸®¸ ׸£¸ œÏŸ¸¸¹μ¸÷¸ ç¸÷¡¸ œÏ¹÷¸, ¹ù¸ç¸Ÿ¸½¿ ¨¸ª 縿ˆÅ¥œ¸ œ¸¸¹£÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¸½,
ñ¸ÿˆÅ ˆ½Å ˆ½Å›Íú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸ Ÿ¸½¿, „Æ÷¸ œ¸÷¸½ œ¸£ ñ¸¾¶ˆÅ ˆÅú ¹÷¸¹˜¸ 總 ˆÅŸ¸ 總 ˆÅŸ¸
길£ ¹™›¸ œ¸Þ¨¸Ä ‚˜¸¸Ä÷¸Ã ©¸ºÇŨ¸¸£, 22 ù¸Þ›¸, 2018 ˆÅ¸½ ˆÅ¸¡¸Ä-縟¸¸þœ÷¸ ‚˜¸¸Ä÷¸
縸¡¸¿ 5.00 ñ¸ù¸½ ÷¸ˆÅ ¡¸¸ „ç¸ç¸½ œ¸Þ¨¸Ä ù¸Ÿ¸¸ ›¸ ˆÅ£¸ ¹™¡¸¸ Š¸¡¸¸ ª¸½.
4. „œ¸þ瘸¹÷¸ œ¸ê¸úÄ-縪-œÏ¨¸½©¸ œ¸°¸
©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú 縺¹¨¸š¸¸ ˆ½Å ¹¥¸‡ „œ¸þ瘸¹÷¸ œ¸ê¸úÄ-縪-œÏ¨¸½©¸ œ¸°¸ ƒç¸ ¹£œ¸¸½’Ä
ˆ½Å 縸˜¸, œ¸ª¥¸½ 總 ªú øœ¸½ ªº‡ ‚œ¸½¹®¸÷¸ ñ¡¸¸½£½, ƒÄ-¨¸¸½ë’Š¸ ¥¸¸ÁŠ¸-ƒ›¸ ‚¸ƒÄ èú ¨¸
œ¸¸ç¸¨¸èÄ ˆ½Å 縸˜¸, œÏ½¹ß¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅ¸½ ¡¸ª ¹¨¸ˆÅ¥œ¸ ª¾ ¹ˆÅ
¨¸½ ƒÄ-¨¸¸½ë’Š¸ œ¥¸½’ûŸŸ¸Ä ˆÅ¸ „œ¸¡¸¸½Š¸ ˆÅ£÷¸½ ªº‡ ‚œ¸›¸¸ ¨¸¸½’ 踥¸ 縈Å÷¸½ ªÿ.
¥¸½¹ˆÅ›¸ ù¸¸½ ©¸½¡¸£š¸¸£ˆÅ ¹£Ÿ¸¸½’ ƒÄ-¨¸¸½ë’Š¸ 縺¹¨¸š¸¸ ˆÅ¸ „œ¸¡¸¸½Š¸ ›¸ªì ˆÅ£÷¸½ ªÿ,
¨¸½ ‡ù¸ú‡Ÿ¸ ˆÅú ¹÷¸¹˜¸ œ¸£, ñ¸¾¶ˆÅ ˆ½Å 瘸¸›¸ œ¸£ ‚¸¡¸¸½¹ù¸÷¸ ª¸½›¸½ ¨¸¸¥¸ú ¹›¸¨¸¸Ä긛¸
œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ‚œ¸›¸¸ ¨¸¸½’ 踥¸ 縈Å÷¸½ ªÿ. ƒç¸ œÏˆÅ¸£ ˆ½Å ©¸½¡¸£š¸¸£ˆÅ¸½¿/ œ¸£¸½¹®¸¡¸¸½¿/
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ˆÅ¸ ç¸÷¡¸¸œ¸›¸ ˆÅ£½¿ ‚¸¾£ ‰¸¸¥¸ú 瘸¸›¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¾, ÷¸¸½ „總 𸣽¿ ‚¸¾£ „縟¸½¿
„œ¸¥¸ñš¸ ˆÅ£¸‡ Š¸‡ ¹›¸š¸¸Ä¹£÷¸ 瘸¸›¸ œ¸£ ‚œ¸›¸½ ªç÷¸¸®¸£ ˆÅ£½¿ ÷¸˜¸¸ „總 ñ¸¾¶ˆÅ
ˆ½Å 瘸¸›¸ œ¸£ 縺œ¸º™Ä ˆÅ£½¿. ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆ½Å œ¸£¸½®¸ú/œÏ¸¹š¸ˆÅ¼÷¸ œÏ¹÷¸¹›¸¹š¸ ׸£¸
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瘸¸›¸ œ¸£ œÏ¨¸½©¸ ˆ½Å 縟¸¡¸ 縺œ¸º™Ä ˆÅú ù¸¸‡ ‚¸¾£ „œ¸þ瘸÷¸ œ¸ê¸úÄ-縪-œÏ¨¸½©¸ œ¸°¸
ˆÅ¸½ Ÿ¸÷¸™¸›¸ ˆ½Å 縟¸¡¸ Ÿ¸÷¸œ¸°¸ œÏ¸œ÷¸ ˆÅ£›¸½ ª½÷¸º 縺œ¸º™Ä ¹ˆÅ¡¸¸ ù¸¸‡.
5. ‚¿÷¸£μ¸ ™¸¡¸£ ˆÅ£›¸¸
‚÷¸¿£μ¸ ¹¨¸¥¸½‰¸ ˆ½Å 縸˜¸ ©¸½¡¸£ œÏŸ¸¸μ¸œ¸°¸/ œ¸°¸¸½¿ ˆÅ¸½ ‚÷¸¿£μ¸ ª½÷¸º ñ¸ÿˆÅ ˆ½Å
£¹ù¸ç’︣ ÷¸˜¸¸ ©¸½¡¸£ ‚¿÷¸£μ¸ ‡ù¸½¿’ (‚¸£’ú‡) ˆÅ¸½ ð¸½ù¸¸ ù¸¸›¸¸ 길¹ª‡.
6. ñ¸ºˆÅ Æ¥¸¸½ù¸£
©¸½¡¸£ š¸¸£ˆÅ¸½¿ ˆÅ¸ £¹ù¸ç’£ ÷¸˜¸¸ ©¸½¡¸£ ‚¿÷¸£μ¸ £¹ù¸ç’£ Š¸º²¨¸¸£, ¹™›¸¸¿ˆÅ 21
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¨¸¸¹ß¸ÄˆÅ 縸š¸¸£μ¸ ñ¸¾¶ˆÅ ˆ½Å „Ó½©¡¸ 總 ñ¸¿™ £ª½Š¸¸.
7. ‚™¸¨¸¸ˆÅ¼÷¸ /‚™î¸ ¥¸¸ð¸¸¿©¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½
‡½ç¸½ ©¸½¡¸£š¸¸£ˆÅ, ¹ù¸›ª¸½¿›¸½ ¹œ¸ø¥¸ú ‚¨¸¹š¸ ˆ½Å ‚œ¸›¸½ ¥¸¸ð¸¸¿©¸ œ¸°¸ ˆÅ¸
›¸ˆÅ™úˆÅ£μ¸ ›¸ªì ˆÅ£¸¡¸¸ ª¾/ ¥¸¸ð¸¸¿©¸ œ¸°¸ œÏ¸œ÷¸ ›¸ªì ¹ˆÅ¡¸¸ ª¾, ¡¸¹™ ˆÅ¸½ƒÄ ªÿ,
÷¸¸½ „›¸ç¸½ ‚›¸º£¸½š¸ ª¾ ¹ˆÅ ¨¸½ ‚™î¸ ¥¸¸ð¸¸¿©¸ ˆ½Å ¹¥¸‡ ñ¸ÿˆÅ ˆ½Å ‚¸£’ú‡ 總 „Æ÷¸
œ¸÷¸½ œ¸£ ‚˜¸¨¸¸ ¹›¸¨¸½©¸ˆÅ 總¨¸¸ œÏ𸸊¸ 總 縿œ¸ˆÄÅ ˆÅ£½¿.
©¸½¡¸£š¸¸£ˆÅ¸½¿ 總 š¡¸¸›¸œ¸Þ¨¸ÄˆÅ ›¸¸½’ ˆÅ£›¸½ ˆÅ¸ ‚›¸º£¸½š¸ ª¾ ¹ˆÅ ñ¸ÿˆÅˆÅ¸£ú ˆ¿Åœ¸›¸ú
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 NOTICE
NOTICE is hereby given that the Sixteenth Annual
General Meeting (“AGM”) of the Shareholders of
Union Bank of India (“Bank”) will be held on Wednesday,
27th June, 2018 at 11.00 A.M. at Rama & Sundri Watumull
Auditorium, K. C. College, Dinshaw Wachha Road,
Churchgate, Mumbai – 400020 to transact the following:
Ordinary Business:
Item No. 1
To discuss, approve and adopt the Balance Sheet of the
Bank as at 31st March 20183URÀWDQG/RVV$FFRXQWIRU
the year ended on that date, the Report of the Board of
Directors on the working and activities of the Bank for the
period covered by the Accounts and the Auditors’ Report
on the Balance Sheet and Accounts.
Special Business:
Item No. 2
To raise Capital through FPO/Rights/QIP/Preferential
allotment etc.
7R FRQVLGHU DQG LI WKRXJKW ÀW WR SDVV ZLWK RU ZLWKRXW
PRGLÀFDWLRQV WKH IROORZLQJ UHVROXWLRQ DV D 6SHFLDO
Resolution:
“RESOLVED THAT pursuant to the provisions of
the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 (“Act”), The Nationalised Banks
(Management and Miscellaneous Provisions) Scheme,
1970 (“Scheme”) and the Union Bank of India (Shares
and Meetings) Regulations, 1998 as amended from
time to time and subject to the approvals, consents,
permissions and sanctions, if any, of the Reserve Bank
of India (“RBI”), the Government of India (“GOI”), the
Securities and Exchange Board of India (“SEBI”), and/
or any other authority as may be required in this regard
DQGVXEMHFWWRVXFKWHUPVFRQGLWLRQVDQGPRGLÀFDWLRQV
thereto as may be prescribed by them in granting such
approvals and which may be agreed to by the Board of
Directors of the Bank and subject to the regulations viz.
SEBI (Issue of Capital and Disclosure Requirements)
Regulations, 2009 (“ICDR Regulations”) as amended up
to date, guidelines, if any, prescribed by the RBI, SEBI,
QRWLÀFDWLRQVFLUFXODUVDQGFODULÀFDWLRQVXQGHUWKH%DQNLQJ
Regulation Act, 1949, Securities and Exchange Board of
India Act, 1992 and all other applicable laws and all other
relevant authorities from time to time and subject to the
have constituted or hereafter constitute to exercise its
powers including the powers conferred by this Resolution)
to create, offer, issue and allot (including with provision for
UHVHUYDWLRQRQÀUPDOORWPHQWDQGRUFRPSHWLWLYHEDVLVRI
such part of issue and for such categories of persons as
may be permitted by the law then applicable) by way of
an offer document / prospectus or such other document,
in India or abroad, such number of equity shares, upto
`6,850 crore (Rupees Six Thousand Eight Hundred
and Fifty crore only) (including premium, if any) which
together with the existing Paid-up Equity Share Capital of
`1,168.57 crore (Rupees One Thousand One Hundred
Sixty Eight Crore and Fifty Seven Lakhs Only) will be
within `3,000 Crore (Rupees Three Thousand Crore
Only), being the ceiling in the Authorised Capital of the
Bank as per section 3 (2A) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970 or
to the extent of enhanced Authorised Capital as per the
Amendment (if any ), that may be made to the Act in future,
in such a way that the Central Government shall at all times
hold not less than 51% of the paid-up Equity Capital of
the Bank, whether at a discount or premium to the market
price, in one or more tranches, including to one or more
of the members, employees of the Bank, Indian nationals,
Non-Resident Indians (“NRIs”), Companies, private or
public, investment institutions, Societies, Trusts, Research
RUJDQLVDWLRQV4XDOLÀHG,QVWLWXWLRQDO%X\HUV´QIBs”) like
Foreign Institutional Investors (“FIIs”), Banks, Financial
Institutions, Indian Mutual Funds, Venture Capital Funds,
Foreign Venture Capital Investors, State Industrial
Development Corporations, Insurance Companies,
Provident Funds, Pension Funds, Development Financial
Institutions or other entities, authorities or any other
category of investors which are authorized to invest in
equity/securities of the Bank as per extant regulations/
guidelines or any combination of the above as may be
deemed appropriate by the Bank.”
“RESOLVED FURTHER THAT such issue, offer or
allotment shall be by way of public issue (i.e. Follow-on-
Public Issue) and/ or rights issue and/or private placement,
LQFOXGLQJ 4XDOLÀHG ,QVWLWXWLRQDO 3ODFHPHQWV ZLWK RU
without over-allotment option and that such offer, issue,
placement and allotment be made as per the provisions
RIWKH$FW,&'55HJXODWLRQV/LVWLQJ5HJXODWLRQVDQGDOO
other guidelines issued by the RBI, SEBI and any other
6(%, /LVWLQJ 2EOLJDWLRQV DQG 'LVFORVXUH 5HTXLUHPHQWV
Regulations, 2015 (“Listing Regulations”) as amended
from time to time, consent of the shareholders of the Bank
be and is hereby accorded to the Board of Directors of
the Bank (hereinafter called “the Board” which shall be
deemed to include any Committee which the Board may
authority as applicable and at such time or times in such
manner and on such terms and conditions as the Board
PD\LQLWVDEVROXWHGLVFUHWLRQWKLQNVÀWµ
“RESOLVED FURTHER THAT the Board shall have
the authority to decide, at such price or prices in such
manner and where necessary, in consultation with

Annual Report 2017-2018 33

the lead managers and/or underwriters and/or other
advisors or otherwise on such terms and conditions as
the Board may, in its absolute discretion, decide in terms
of ICDR Regulations, other regulations and any and all
other applicable laws, rules, regulations and guidelines,
b) The Bank in pursuant to provision of Regulation
85(1) of ICDR Regulations authorized to offer shares
DW D GLVFRXQW RI QRW PRUH WKDQ ÀYH SHUFHQW RQ WKH
ÁRRU SULFH DV GHWHUPLQHG LQ DFFRUGDQFH ZLWK WKH
Regulations.
whether or not such investor(s) are existing members of
the Bank, at a price not less than the price as determined in
accordance with relevant provisions of ICDR Regulations.”
“RESOLVED FURTHER THAT in accordance with the
SURYLVLRQV RI WKH /LVWLQJ 5HJXODWLRQV WKH SURYLVLRQV RI
the Act, the provisions of the Union Bank of India (Shares
and Meetings) Regulations, 1998, the provisions of ICDR
Regulations, the provisions of the Foreign Exchange
Management Act, 1999 and the Foreign Exchange
Management (Transfer or Issue of Security by a Person
Resident Outside India) Regulations, 2017, and subject
to requisite approvals, consents, permissions and/or
sanctions of Securities and Exchange Board of India
(SEBI), Stock Exchanges, Reserve Bank of India (RBI),
Department of Industrial Policy and Promotion, Ministry
of Commerce (DIPP) and all other authorities as may
be required (hereinafter collectively referred to as “the
Appropriate Authorities”) and subject to such conditions
as may be prescribed by any of them while granting any
such approval, consent, permission, and/or sanction
(hereinafter referred to as “the requisite approvals”) the
Board, may at its absolute discretion, issue, offer and
allot, from time to time in one or more tranches, equity
shares or any securities other than warrants, which are
convertible into or exchangeable with equity shares at a
later date, in such a way that the Central Government at
any time holds not less than 51% of the Equity Capital
F 7KH UHOHYDQW GDWH IRU WKH GHWHUPLQDWLRQ RI WKH ÁRRU
price of the securities shall be in accordance with the
ICDR Regulations.”
“RESOLVED FURTHER THAT the Board shall have the
DXWKRULW\ DQG SRZHU WR DFFHSW DQ\ PRGLÀFDWLRQ LQ WKH
proposal as may be required or imposed by the GOI/
RBI/SEBI/Stock Exchanges where the shares of the Bank
are listed or such other appropriate authorities at the
time of according / granting their approvals, consents,
permissions and sanctions to issue, allotment and listing
thereof and as agreed to by the Board.”
“RESOLVED FURTHER THAT the issue and allotment
of new equity shares / securities if any, to NRIs, FIIs
and/or other eligible foreign investments be subject
to the approval of the RBI under the Foreign Exchange
Management Act, 1999 as may be applicable but within
the overall limits set forth under the Act.”
“RESOLVED FURTHER THAT the said new equity shares
to be issued shall be subject to the Union Bank of India
(Shares and Meetings) Regulations, 1998, as amended,
and shall rank in all respects pari passu with the existing
equity shares of the Bank and shall be entitled to dividend
declared, if any, in accordance with the statutory guidelines
that are in force at the time of such declaration.”
“RESOLVED FURTHER THAT for the purpose of giving
effect to any issue or allotment of equity shares/securities,
RI WKH %DQN WR 4XDOLÀHG ,QVWLWXWLRQDO %X\HUV 4,%V DV the Board be and is hereby authorized to determine the
GHÀQHGLQ&KDSWHU9,,,RIWKH,&'55HJXODWLRQVSXUVXDQW terms of the public offer, including the class of investors
WR D TXDOLÀHG LQVWLWXWLRQDO SODFHPHQW 4,3 DV SURYLGHG
for under Chapter VIII of the ICDR Regulations, through
a placement document and / or such other documents /
writings / circulars / memoranda and in such manner and
on such price, terms and conditions as may be determined
by the Board in accordance with the ICDR Regulations or
other provisions of the law as may be prevailing at that
time”
“RESOLVED FURTHER THAT LQ FDVH RI D 4XDOLÀHG
Institutional Placement pursuant to Chapter VIII of the
ICDR Regulations:
to whom the securities are to be allotted, the number
of shares/securities to be allotted in each tranche,
issue price, premium amount on issue as the Board in
LWV DEVROXWH GLVFUHWLRQ GHHPV ÀW DQG GR DOO VXFK DFWV
deeds, matters and things and execute such deeds,
documents and agreements, as they may, in its absolute
discretion, deem necessary, proper or desirable, and to
settle or give instructions or directions for settling any
TXHVWLRQV GLIÀFXOWLHV RU GRXEWV WKDW PD\ DULVH LQ UHJDUG
to the public offer, issue, allotment and utilization of the
issue proceeds, and to accept and to give effect to such
D 7KHDOORWPHQWRI6HFXULWLHVVKDOORQO\EHWR4XDOLÀHG
Institutional Buyers within the meaning of Chapter
VIII of the ICDR Regulations, such securities shall
be fully paid-up and the allotment of such Securities
shall be completed within 12 months from the date of
passing of this resolution.”
PRGLÀFDWLRQVFKDQJHVYDULDWLRQVDOWHUDWLRQVGHOHWLRQV
additions as regards the terms and conditions, as it may,
LQLWVDEVROXWHGLVFUHWLRQGHHPÀWDQGSURSHULQWKHEHVW
interest of the Bank, without requiring any further approval
of the members and that all or any of the powers conferred
on the Bank and the Board vide this resolution may be
exercised by the Board.”

34 Annual Report 2017-2018

“RESOLVED FURTHER THAT the Board be and is hereby Item No. 3
authorized to enter into and execute all such arrangements To elect THREE Directors from amongst the
ZLWK DQ\ %RRN 5XQQHUV /HDG 0DQDJHUV %DQNHUV
Underwriter(s), Depository(ies), Registrar(s), Auditor(s)
and all such agencies as may be involved or concerned
in such offering of equity / securities and to remunerate
all such institutions and agencies by way of commission,
brokerage, fees or the like and also to enter into and
execute all such arrangements, agreements, memoranda,
documents, etc., with such agencies.”
“RESOLVED FURTHER THAT for the purpose of giving
HIIHFWWRWKHDERYHWKH%RDUGLQFRQVXOWDWLRQZLWKWKH/HDG
Managers, Underwriters, Advisors and/or other persons
as appointed by the Bank, be and is hereby authorized
to determine the form and terms of the issue(s), including
the class of investors to whom the shares/securities are
to be allotted, number of shares/securities to be allotted
in each tranche, issue price (including premium, if any),
shareholders of the Bank, other than the Central
Government, in respect of whom valid nominations as
prescribed have been received, in terms of Section 9(3)
(i) of The Banking Companies (Acquisition and Transfer
of Undertakings) Act, 1970/1980 (hereinafter referred
to as the “Act”) read with The Banking Regulation Act,
1949 (hereinafter referred as “the Regulation Act”), the
Nationalized Banks (Management & Miscellaneous
Provisions) Scheme, 1970/1980 (hereinafter referred to
as the “Scheme”) and the Union Bank of India (Shares
and Meetings) Regulations, 1998 (hereinafter referred
to as “the Regulations”) made pursuant to Section 19 of
WKH $FW DQG 1RWLÀFDWLRQ 1RV '%2' 1R %& 1R DQG
47/29.39.001/2007-08 dated 1st November, 2007 read with
1RWLÀFDWLRQ 1R '%2' 1R %& 1R 
11 dated 23rd May, 2011 of Reserve Bank of India
face value, premium amount on issue/conversion of
Securities/exercise of warrants/redemption of Securities,
rate of interest, redemption period, number of equity
shares or other securities upon conversion or redemption
or cancellation of the Securities, the price, premium or
discount on issue/conversion of Securities, rate of interest,
KHUHLQDIWHU UHIHUUHG WR DV ´5%, 1RWLÀFDWLRQµ DQG /HWWHU
1R )1R%2, GDWHG rd September, 2013
of Government of India read with Criteria laid down by
*RYHUQPHQWIRUFRQVLGHUDWLRQDV1RQ2IÀFLDO'LUHFWRUVRI
Public Sector Banks on 25th March, 2015, 20th-XQH
and amendments made thereafter (hereinafter referred
SHULRGRIFRQYHUVLRQÀ[LQJRIUHFRUGGDWHRUERRNFORVXUH
and related or incidental matters, listings on one or more
stock exchanges in India and/or abroad, as the Board in
LWVDEVROXWHGLVFUHWLRQGHHPVÀWµ
“RESOLVED FURTHER THAT such of these shares /
securities as are not subscribed may be disposed off by
the Board in its absolute discretion in such manner, as the
%RDUGPD\GHHPÀWDQGDVSHUPLVVLEOHE\ODZµ
“RESOLVED FURTHER THAT for the purpose of giving
effect to this Resolution, the Board be and is hereby
authorised to do all such acts, deeds, matters and things
as it may in its absolute discretion deems necessary,
SURSHUDQGGHVLUDEOHDQGWRVHWWOHDQ\TXHVWLRQGLIÀFXOW\
or doubt that may arise in regard to the issue of the shares/
securities and further to do all such acts, deeds, matters
DQGWKLQJVÀQDOLVHDQGH[HFXWHDOOGRFXPHQWVDQGZULWLQJV
as may be necessary, desirable or expedient as it may in
LWVDEVROXWHGLVFUHWLRQGHHPÀWSURSHURUGHVLUDEOHZLWKRXW
being required to seek any further consent or approval of
the shareholders or authorise to the end and intent, that the
shareholders shall be deemed to have given their approval
thereto expressly by the authority of the Resolution.”
“RESOLVED FURTHER THAT the Board be and is
hereby authorized to delegate all or any of the powers
herein conferred to the Committee of Directors for Raising
of Capital Funds or the Managing Director & CEO or to
the Executive Director/(s) to give effect to the aforesaid
Resolutions.”
Annual Report 2017-2018
DV ´*2, *XLGHOLQHVµ DQG $)7(5 (/(&7,21 SDVV ZLWK
RU ZLWKRXW PRGLÀFDWLRQV WKH IROORZLQJ UHVROXWLRQ DV DQ
Ordinary Resolution:
“RESOLVED THAT _______________, ________________
and __________ elected as Directors from amongst
shareholders other than the Central Government pursuant
to Section 9(3)(i) of the Act read with relevant Scheme,
5HJXODWLRQV PDGH WKHUHXQGHU 5%, 1RWLÀFDWLRQ *2,
Guidelines, be and are hereby appointed as Directors of
WKH%DQNWRDVVXPHRIÀFHIURP28th June, 2018 and shall
KROGRIÀFHXQWLOWKHFRPSOHWLRQRIDSHULRGRIWKUHH\HDUV
IURPWKHGDWHRIVXFKDVVXPSWLRQRIRIÀFHDV'LUHFWRUVµ
By order of the Board of Directors
For UNION BANK OF INDIA
(Rajkiran Rai G.)
Managing Director & CEO
Place : Mumbai
Date : 10th May, 2018
35
NOTES:
1. EXPLANATORY STATEMENT
The Explanatory Statement setting out the material
facts in respect of the business agenda 2 and 3 of the
meeting is annexed hereto.
2. APPOINTMENT OF PROXY
A shareholder entitled to attend and vote at the
meeting is entitled to appoint a proxy (other than an
RIÀFHU or an employee of the bank) to attend and
vote instead of himself/herself and the proxy need
not be a shareholder of the bank. As per Regulation
70(vi) of Union Bank of India (Shares and Meetings)
Regulations 1998, the grantor of an instrument
of proxy shall not be entitled to vote in person at
the meeting to which such instrument relates. No
instrument of Proxy shall be valid unless it is in Form
“B” as annexed in the Annual Report.
The Proxy, in order to be effective, must be received
DW+HDG2IÀFHRIWKH%DQNDGGUHVVHGWR Company
Secretary, Investor Services Division, Union Bank
of India, 12th Floor, Union Bank Bhavan, 239,
Vidhan Bhavan Marg, Nariman Point, Mumbai –
400021, not less than four days before the date of
meeting i.e. on or before the closing hours of the Bank
at 5.00 p.m. on Friday, 22nd June, 2018 together
with the Power of Attorney or other authority, if any,
under which it is signed or a copy of that Power of
Attorney or other DXWKRULW\FHUWLÀHGDVDWUXHFRS\E\
a Notary Public or a Magistrate unless such Power
of Attorney or other authority has been previously
deposited and registered with the Bank.
3. APPOINTMENT OF AUTHORISED REPRESENTATIVE
No person shall be entitled to attend or vote at
the meeting as a duly authorized representative
of a Company or any Body Corporate which is
a shareholder of the Bank, unless a copy of the
resolution appointing him/her as a duly authorized
UHSUHVHQWDWLYH FHUWLÀHG WR EH WUXH FRS\ E\ WKH
Chairman of the meeting at which it was passed,
VKDOOKDYHEHHQGHSRVLWHGDWWKH+HDG2IÀFHRIWKH
Bank at the address given above, not less than FOUR
DAYS before the date of meeting i.e. on or before the
closing hours of the Bank i.e. 5.00 p.m. on Friday,
22nd June, 2018.
4. ATTENDANCE SLIP-CUM-ENTRY PASS
For the convenience of the shareholders, Attendance
Slip-Cum-Entry Pass is also dispatched along with
this Report, with requisite details pre-printed with
the e-voting log-in id and password. Shareholders
have an option to cast their votes by using remote
e-voting platform. Those who do not exercise remote
 Annual Report 2017-2018
e-voting facility can cast their vote by using e-voting
facility available at the venue of the meeting on the
date of the AGM. Such Shareholders/ Proxy holders
/ Authorized Representatives are requested to verify
WKHGHWDLOVSULQWHGRQWKH$WWHQGDQFH6OLSDQGÀOOLQ
EODQNVLIDQ\DQGDIÀ[WKHLUVLJQDWXUHVDWWKHVSDFH
provided therein and surrender the same at the venue
of the meeting. Proxy/ Authorized Representative
of shareholders should state on the Attendance
Slip-Cum-Entry Pass as “Proxy” or “Authorized
Representative” as the case may be. The Attendance
Slip-Cum-Entry Pass is to be surrendered at the time
of entry to the venue of the AGM.
5. LODGEMENTS FOR TRANSFERS
 6KDUH&HUWLÀFDWHVDORQJZLWKWUDQVIHUGHHGVVKRXOG
be forwarded to the Bank’s Registrar and Share
Transfer Agent (RTA) for affecting the transfer.
6. BOOK CLOSURE
The Register of Shareholders and Share Transfer
Books of the Bank will remain closed from Thursday,
21st June, 2018 to Wednesday, 27th June, 2018
(both days inclusive) for the purpose of AGM.
7. UNCLAIMED/UNPAID DIVIDEND, IF ANY
The shareholders who have not encashed their
Dividend Warrants / not received dividend of
previous periods, if any, are requested to contact the
Bank’s RTA or Bank’s Investors Services Division for
payment of unclaimed/unpaid dividend.
Shareholders are requested to carefully note that
pursuant to Section 10B of the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970,
dividend remained unclaimed/unpaid for 30 days
from the date of its declaration shall be transferred
to the “Unpaid Dividend Account” within 7 days from
the date of expiry of such period of 30 days.
The amount transferred to the said “Unpaid Dividend
Account” and remained unclaimed/unpaid for a
period of seven years from the date of transfer, is
required to be transferred to the Investors Education
and Protection Fund (IEPF) established by the Central
Government under Section 125 of the Companies
Act, 2013. While the Bank has already transferred
unpaid dividend up to FY 2009-10 to IEPF, for the
details of unpaid dividend from FY 2010-11, the
Shareholders may visit unclaimed dividend search
facility made available on Bank’s website under
IROORZLQJ OLQN KWWSHUHPLWXQLRQEDQNRÀQGLDFRLQ
UnclaimedDividend Procedure to claim unclaimed
dividend and requisite forms are also made available
on the above link.
8. CHANGE OF ADDRESS / BANK PARTICULARS /
BANK ACCOUNT MANDATE
a) The Bank for payment of dividend uses the
details of Bank Account registered with the
16'/&'6/DQGGRZQORDGHGE\57$IURPWKH
respective Depository. Members holding shares
in electronic form are hereby informed that Bank
particulars registered against their respective
depository account should be updated with
their respective Depository Participant so as
to get updated before the commencement of
the Book closure. The Bank or its RTA cannot
act on any request received directly from the
members holding shares in electronic form
for any change of bank particulars or bank
mandates. Such changes are to be advised only
to the Depository Participant of the Members.
b) Members holding shares in physical form are
requested to send formal request application
duly signed along with a valid documentary
evidence for updation of any change of address
and for updation of Bank Account Details send
formal request application duly signed along
with a cancelled cheque to the Bank’s RTA at
the following address:
Datamatics Business Solutions Ltd.,
Unit: Union Bank of India,
Plot No. B-5, Part B,
MIDC, Crosslane, Marol,
Andheri (East),
Mumbai – 400 093.
c) The format for providing Bank details is annexed
to the Annual Report and is also available on the
ZHEVLWHRIWKH%DQNZZZXQLRQEDQNRÀQGLDFRLQ
d) Members holding shares in electronic form
must send the advice about change in address
to their respective Depository Participant only
and not to the Bank or Bank’s RTA.
e) Members are requested to invariably quote their
respective folio number/s (for those holding
shares in physical form) and their respective DP
Id / Client Id number (for those holding shares in
electronic/demat form) in any correspondence
with the Bank or Bank’s RTA.
9. RECORDING OF CHANGE OF STATUS
Non-Resident Indian Shareholders are requested to
inform the RTA of the Bank – Datamatics Business
6ROXWLRQV/WGLPPHGLDWHO\RI voting rights in respect of any shares held by him/her
a) The change in the Residential status on return
to India for permanent settlement.
Annual Report 2017-2018
b) The particulars of the Bank Account maintained
in India with complete name, branch, account
type, account number and address of the Bank
with PIN, if not furnished earlier.
10. CONSOLIDATION OF FOLIOS
Shareholders who hold shares in physical form in
multiple folios in identical names or joint names in
the same order of names are requested to send their
VKDUHFHUWLÀFDWHVWRWKH57$RIWKH%DQN'DWDPDWLFV
%XVLQHVV 6ROXWLRQV /WG IRU FRQVROLGDWLRQ LQWR D
single folio.
11. COPIES OF ANNUAL REPORT
Please note that copies of the Annual Report
2017-18 in physical form shall be dispatched
using the services of Indian Post/Courier to those
Shareholders who have not registered their Email
IDs with the Bank and in soft copy by Email to those
shareholders who have registered their Email IDs
with the Bank/DP. The Annual Report shall also
be hosted on the website of the Bank. The Annual
Report will not be distributed at the AGM and hence
members are requested to bring their copies of the
Annual Report at the meeting.
12. SPECIFIED AND CUT OFF DATE
a) SPECIFIED-DATE FOR ELECTION:
Pursuant to Regulation 12 of the Regulations,
Friday, 18th May, 2018LVÀ[HGDV6SHFLÀHG'DWH
for the purpose of determining the shareholders
entitled to participate in the Election i.e. to
Nominate, Contest and Vote in the Election of
THREE directors representing the shareholders
of the Bank other than the Central Government,
as mentioned in agenda item no. 3 of the Notice.
b) CUT-OFF DATE FOR E-VOTING FOR OTHER
AGENDA ITEMS:
Pursuant to Rule 20 of the Companies
(Management and Administration) Rules, 2014
as amended, Voting Rights of the shareholders
in respect of agenda items no. 1 & 2 shall be
reckoned as on Wednesday, 20th June, 2018.
13. VOTING RIGHTS
In terms of the provisions of sub-section (2E) of
Section 3 of the Banking Companies (Acquisitions &
Transfer of Undertakings) Act, 1970, no shareholder
of the corresponding new Bank, other than the
Central Government, shall be entitled to exercise
in excess of ten per cent of the total voting rights
of all the shareholders of the Bank.
37
 6XEMHFW WR WKH DERYH DV SHU 5HJXODWLRQ  RI
the Union Bank of India (Shares and Meetings)
Regulations, 1998, each shareholder who has been
registered as a shareholder on the 6SHFLÀHG 'DWH
i.e. Friday, 18th May, 2018 and Cut-Off Date i.e.
Wednesday, 20th June, 2018, shall have one vote
for each share held by him/her.
As per Regulation 10 of the Union Bank of India
(Shares and Meetings) Regulations, 1998, if any
share stands in the names of two or more persons,
WKHSHUVRQÀUVWQDPHGLQWKHUHJLVWHUVKDOODVUHJDUGV
voting, be deemed to be the sole holder thereof.
Thus, if shares are in the name of joint holders, then
ÀUVW QDPHG SHUVRQ LV RQO\ HQWLWOHG WR DWWHQG WKH
meeting and is also only eligible to nominate, contest
and vote in the Elections.
14. INFORMATION ON ACCOUNTS
Shareholders seeking any information on the
Accounts are requested to write to the Bank, which
should reach the Bank atleast one week before the
date of the AGM so as to enable the Management to
keep the information ready. Replies will be provided
only at the AGM.
15. DEMATERIALIZATION OF PHYSICAL HOLDINGS
The Shareholders who are holding shares in physical
IV. The facility of casting the votes by the members
using an electronic voting system from a place
other than venue of the AGM (“remote e-voting”)
and Voting at the Venue will be provided by
Central Depository Services (India) Limited
(CDSL).
V. The remote e-voting period commences on
Saturday, 23rd June, 2018 (9:00 am IST) and
ends on Tuesday, 26th June, 2018 (5:00 pm
IST). During this period shareholders of the
Bank, holding shares either in physical form
or in dematerialized form, as on the 6SHFLÀHG
Date i.e. Friday, 18th May, 2018 may cast
their vote by remote e-voting for agenda item
no. 3. Further, shareholders of the Bank,
holding shares either in physical form or in
dematerialized form, as on the Cut-Off Date of
Wednesday, 20th June, 2018 may cast their
vote by remote e-voting for agenda item no.
1 & 2. The remote e-voting module shall be
GLVDEOHGE\&'6/IRUYRWLQJWKHUHDIWHU2QFHD
shareholder casts his vote on a resolution, the
shareholder shall not be allowed to change it
subsequently.
VI. The process and the manner for remote e-voting
are as under:
mode are requested to convert their holdings in L /RJRQWRWKHHYRWLQJZHEVLWH
dematerialized form, for which they may contact www.evotingindia.com
their respective Depository Participant, where they
maintain their respective demat account. (ii) Click on Shareholders / Members tab to cast your vote.

16. E-VOTING (iii) Now Enter your User ID and the Image
9HULÀFDWLRQDVGLVSOD\HGDQG&OLFNRQ/RJLQ
I. Pursuant to provisions of Regulation 44 of
6(%, /LVWLQJ 2EOLJDWLRQV DQG 'LVFORVXUH
Requirements), Regulations, 2015 and Rule
20 of the Companies (Management and
Administration) Rules, 2014, as amended by the
Companies (Management and Administration)
Amendment Rules, 2015, the Bank is pleased to
provide to shareholders the facility to exercise
their right to vote at the AGM by electronic
means and the business may be transacted
through e-Voting Services.
II. The facility for voting shall also be made
available at the venue of the AGM and the
shareholders attending the meeting who have
not cast their votes by remote e-voting shall D )RU&'6/GLJLWVEHQHÀFLDU\,'
be able to exercise their right at the meeting E )RU16'/&KDUDFWHU'3,'IROORZHGE\
through voting at the venue. 8 Digits Client ID,
III. The shareholders who have cast their vote by (c) Members holding shares in Physical Form
remote e-voting prior to the AGM may also should enter Folio Number registered with
attend the AGM but shall not be entitled to cast the Bank
their vote again.

38 Annual Report 2017-2018

(iv) If you are holding shares in demat form and had they are required to mandatorily enter their login
logged on to www.evotingindia.com and voted SDVVZRUG LQ WKH QHZ SDVVZRUG ÀHOG .LQGO\
on an earlier voting of any company or Bank, note that this password is to be also used by
then your existing password is to be used. the demat holders for voting for resolutions of
Y ,I\RXDUHDÀUVWWLPHXVHUIROORZWKHVWHSVJLYHQ any other company on which they are eligible
below: to vote, provided that company opts for
HYRWLQJWKURXJK&'6/SODWIRUPIt is strongly
recommended not to share your password
with any other person and take utmost care
WRNHHS\RXUSDVVZRUGFRQÀGHQWLDO

PAN ‡ (QWHU \RXU  GLJLW DOSKDQXPHULF

PAN issued by Income Tax
Department (Applicable for both
demat shareholders as well as (ix) For Members holding shares in physical form,
physical shareholders) the details can be used only for e-voting on the
‡ 0HPEHUV ZKR KDYH QRW XSGDWHG resolutions contained in this Notice.
their PAN with the Bank/Depository
(x) Click on the EVSN of “Union Bank of India.”
Participant are requested to use the
sequence number which is printed
on Attendance Slip cum Entry
3DVV LQGLFDWHG LQ WKH 3$1 ÀHOG RU
provided in the Email sent to you
E\&'6/
Dividend Bank Details ‡ (QWHU WKH 'LYLGHQG %DQN 'HWDLOV
OR or Date of Birth (in DD/MM/YYYY
Date of Birth (DOB) format) as recorded in your demat
account or in the Bank records in
order to login.
‡ ,IERWKWKHGHWDLOVDUHQRWUHFRUGHG
with the depository or Bank please
[L 2QWKHYRWLQJSDJH\RXZLOOVHH´5(62/87,21
DESCRIPTION” for agenda item no. 1 & 2 and
against the same the option “YES/NO” for
voting. Select the option YES or NO as desired.
The option YES implies that you assent to the
Resolution and option NO implies that you
dissent to the Resolution.
(xii) For voting on agenda item no. 3 i.e. Election
of Shareholder Directors, you will see name of
candidates and against the same the option to
vote. You can vote for maximum 3 candidates.
enter the member id / folio number
LQWKH'LYLGHQG%DQNGHWDLOVÀHOGDV
mentioned in instruction (iii).
(vi) After entering these details appropriately, click
on “SUBMIT” tab.
(vii) Members holding shares in Physical Form will
then directly reach the Company selection
screen.
(viii) Members holding shares in Demat Form will
now reach ‘Password Creation’ menu wherein
Annual Report 2017-2018
[LLL &OLFNRQWKH´5(62/87,216),/(/,1.µLI\RX
wish to view the entire Resolution details.
(xiv) After selecting the resolution you have decided
WR YRWH RQ FOLFN RQ ´68%0,7µ $ FRQÀUPDWLRQ
ER[ZLOOEHGLVSOD\HG,I\RXZLVKWRFRQÀUP\RXU
vote, click on “OK”, else to change your vote,
FOLFNRQ´&$1&(/µDQGDFFRUGLQJO\PRGLI\\RXU
vote.
(xv) Once you “CONFIRM” your vote on the
resolution, you will not be allowed to modify
your vote.
39
 (xvi) You can also take a print of the votes cast by ‡ 7KHOLVWRIDFFRXQWVOLQNHGLQWKHORJLQVKRXOG
clicking on “Click here to print” option on the be mailed to helpdesk.evoting@cdslindia.com
Voting page. and on approval of the accounts they would
(xvii) If a demat account holder has forgotten the be able to cast their vote.
login password then Enter the User ID and the ‡ $VFDQQHGFRS\RIWKH%RDUG5HVROXWLRQDQG
LPDJH YHULÀFDWLRQ FRGH DQG FOLFN RQ )RUJRW Power of Attorney (POA) which they have
Password & enter the details as prompted by issued in favour of the Custodian, if any,
the system. should be uploaded in PDF format in the
system for the scrutinizer to verify the same.
VII. In case you have any queries or issues
regarding e-voting, you may refer the Frequently
Asked Questions (“FAQs”) and e-voting manual
available at www.evotingindia.com, under help
section or write an email to helpdesk.evoting@
cdslindia.com or call 1800225533.
VIII. All grievances connected with the facility for
voting by electronic means may be addressed
to Mr. Rakesh Dalvi, Deputy Manager, Central
(xviii) Shareholders can also cast their vote using
&'6/·V PRELOH DSS P9RWLQJ DYDLODEOH IRU
android based mobiles. The m-Voting app can
be downloaded from Google Play Store. Apple
and Windows phone users can download the
app from the App Store and the Windows
Phone Store respectively. Please follow the
instructions as prompted by the mobile app
while voting on your mobile.
(xix) Note for Non – Individual Shareholders and
Custodians
‡ 1RQ,QGLYLGXDO VKDUHKROGHUV LH RWKHU WKDQ
Individuals, HUF, NRI etc.) and Custodian are
required to log on to www.evotingindia.com
and register themselves as Corporates.
‡ $ VFDQQHG FRS\ RI WKH 5HJLVWUDWLRQ )RUP
bearing the stamp and sign of the entity
should be emailed to helpdesk.evoting@
cdslindia.com.
‡ $IWHUUHFHLYLQJWKHORJLQGHWDLOVD&RPSOLDQFH
User should be created using the admin login
and password. The Compliance User would
be able to link the account(s) for which they
wish to vote on.
40 Annual Report 2017-2018
'HSRVLWRU\ 6HUYLFHV ,QGLD /LPLWHG &'6/ $
Wing, 25th Floor, Marathon Futurex, Mafatlal
0LOO&RPSRXQGV10-RVKL0DUJ/RZHU3DUHO
(East), Mumbai - 400013 or send an email
to helpdesk.evoting@cdslindia.com or call
1800225533.
IX. A person, whose name is recorded in the Register
RI6KDUHKROGHUVRULQWKH5HJLVWHURI%HQHÀFLDO
Owners maintained by the depositories as on
WKHVSHFLÀHGGDWHDQGRUFXWRIIGDWHRQO\VKDOO
be entitled to avail the facility of remote e-voting
or voting at the venue.
X. M/s. S. N. Ananthasubramanian & Co.
(SNA&CO), Company Secretaries has been
appointed as the Scrutinizer to scrutinize the
remote e-voting process in a fair and transparent
manner.
XI. The Chairman of the Meeting shall, after
commencement of the AGM, allow voting for all
those shareholders who are present at the AGM
but have not casted their vote by availing the
remote e-voting facility.
XII. The Scrutinizer shall after the conclusion
of voting at the AGM, but not later than 48
hours of the conclusion of the AGM, submit
a consolidated scrutinizer’s report of the total
votes casted in favour or against, if any, to the
Chairman of the Meeting or any other person
authorised by him.
17. RESULTS OF VOTING
The consolidated results of Remote E-Voting and
Voting at the venue alongwith the report of the
 Scrutinizer shall be placed on the website of the Bank
LHZZZXQLRQEDQNRÀQGLDFRLQDQGRQWKHZHEVLWH
RI &'6/ LH ZZZHYRWLQJLQGLDFRP LPPHGLDWHO\
after the declaration of result. The results shall also
be immediately forwarded to the Stock Exchanges.
18. SCRUTINIZERS FOR E-VOTING AT MEETING
As already indicated for E-Voting, SNA&CO,
Company Secretaries shall act as Scrutinizer in
respect of Agenda Items No. 1-3. They shall also act
3ODFHPHQW LQFOXGLQJ 4XDOLÀHG ,QVWLWXWLRQDO 3ODFHPHQWV
and/or preferential allotment to the Government of
India and/or other Institutions and/or any other mode(s)
subject to approval by the Government of India and other
regulatory authorities and in accordance with the SEBI
ICDR regulations, which is valid up to 22nd June, 2018.
The Bank raised Equity Capital of `2,000 crore
(Rupees Two Thousand Crore Only) by allotment of
12,93,24,280 equity shares at an issue price of `
per share (including share premium of ` SHU
as Scrutinizer along with another shareholder for the VKDUH WR 4XDOLÀHG ,QVWLWXWLRQDO %X\HUV SXUVXDQW WR WKH
E-voting conducted at the Meeting.
The E-voting on the Election shall be conducted
XQGHU WKH VXSHUYLVLRQ RI &KLHI 5HWXUQLQJ 2IÀFHU
appointed by the Bank, SNA&CO (Independent
Consultant & Scrutinizer) and would be overseen by
the Central Government Nominee who will act as an
4XDOLÀHG ,QVWLWXWLRQV 3ODFHPHQW 4,3 E\ WKH %DQN LQ
December, 2017. Further, the Bank raised Equity
Capital of `4,524 crore (Rupees Four Thousand Five
Hundred and Twenty Four Crore Only) by allotment of
31,28,19,803 equity shares on prefrential basis at an issue
price of ` SHU VKDUH LQFOXGLQJ VKDUH SUHPLXP RI
Observer and second Scrutinizer.
EXPLANATORY STATEMENT
1. ISSUE OF CAPITAL THROUGH FPO/RIGHTS/QIP
ETC.
The Basel III regulations require that the banks should
maintain a minimum common equity tier 1 (CET 1) ratio
of 5.50% plus Capital Conservation Buffer (CCB) of 2.50%
in the form of Equity Share Capital, Tier 1 ratio (including
CCB) of 9.50% and overall CRAR (including CCB) of
11.50% by 31st March, 2019.
With the increasing capital requirements on account of
`SHUVKDUHWR the Government of India in March,
2018.
Keeping in view of future requirements, it has been
planned to raise Equity Share Capital up to `6,850 crore
(Rupees Six Thousand Eight Hundred and Fifty crore
only) as indicated above.
The special resolution seeks to give the Board, powers
to issue equity shares in one or more tranches at such
time or times, at such price or prices and to such of the
investors as mentioned therein as the Board in its absolute
GLVFUHWLRQ GHHPV ÀW 7KH GHWDLOHG WHUPV DQG FRQGLWLRQV
for the issuance of the equity shares as and when made
will be determined by the Board in consultation with the
increasing requirement of capital conservation buffer 0HUFKDQW %DQNHUV /HDG 0DQDJHUV $GYLVRUV DQG
RI  HYHU\ \HDU WLOO )<  IXWXUH H[SDQVLRQ
& growth of the Bank and consequent capital charge,
the Bank is required to raise capital for complying the
%$6(/ III requirement, growth of the Bank as well as
further strengthening the capital adequacy.
Based on the estimated growth your Directors have
decided to raise Equity Share Capital up to `6,850 crore
(Rupees Six Thousand Eight Hundred and Fifty crore
only) including capital infusion from the Government of
India. The Bank may raise Equity Share Capital through
Public Issue (i.e. follow-on-Public Issue) and/or Rights
,VVXH DQGRU 3ULYDWH 3ODFHPHQW LQFOXGLQJ 4XDOLÀHG
Institutional Placements and/or preferential allotment to
the Government of India and/or other Institutions and/or
any other mode(s) subject to approval by the Government
of India and other regulatory authorities and in accordance
with the SEBI ICDR regulations. The enhanced capital will
be utilized for the general business purposes of the Bank.
The Bank had obtained shareholders approval in the
AGM held on 23rd June, 2017 for raising Equity Share
Capital up to `4,950 crore (Rupees Four Thousand Nine
Hundred and Fifty Crore Only) through Public Issue (i.e.
follow-on-Public Issue) and/or Rights Issue and/or Private
Annual Report 2017-2018
such other authorities as may require to be considered
by the Bank considering the prevailing market conditions
and other relevant factors.
In the event of the issue of equity shares as aforesaid by
WKH ZD\ RI 4XDOLÀHG ,QVWLWXWLRQDO 3ODFHPHQWV LW ZLOO EH
ensured that:
i. The relevant date for the purpose of pricing of the
Equity Shares would , pursuant to Chapter VIII of the
SEBI (ICDR) Regulations, and/or other applicable
regulations, be the date of the meeting in which the
Board or duly authorized committee thereof decides
to open the proposed issue of the equity shares,
subsequent to the receipt of Members’ approval
in terms of Section 81 (1A) and other applicable
provisions, if any of the act and other applicable
laws, rules, regulations and guidelines in relation to
the proposed issue of equity shares;
ii. As pricing of the offer cannot be decided except
at a later stage, it is not possible to state the price
of shares to be issued. However, the same would
be in accordance with the provisions of the ICDR
Regulations, the Banking Companies (Acquisition
and Transfer of Undertakings) Act, 1970 and
41
 the Union Bank of India (Shares and Meetings)
Regulations, 1998 as amended from time to time or
any other guidelines/regulations/consents as may
be applicable or required;
iii. The issue and allotment of the fully paid shares be
2. ELECTION OF SHAREHOLDER DIRECTORS
In terms of section (9)(3)(i) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act,
1970, your Bank had elected three Directors
viz. Dr. Ravindrarai H. Dholakia, Shri Gopal
PDGH RQO\ WR 4XDOLÀHG ,QVWLWXWLRQDO %X\HUV 4,%V
within the meaning of SEBI (ICDR) Regulations and
the allotment shall be completed within 12 months of
the date of passing the above resolution;
iv. The detailed terms and conditions for the offer
will be determined in consultation with Advisor(s),
.ULVKDQ /DWK DQG 'U 8WWDP .XPDU 6DUNDU
from amongst the shareholders other than
Central Government, who assumed charge on
27th June, 2015 and their term ends on
th June, 2018.
 :LWKDYLHZWRÀOOLQWKHYDFDQFLHVDVDIRUHVDLGWKH
/HDG 0DQDJHUV DQG 8QGHUZULWHUV DQG VXFK
other authority or authorities as may be required,
considering the prevailing market conditions and
other regulatory requirements;
v. The total amount raised in such manner, including
the overallotment, if any as per the terms of the issue
of securities, would not exceed 5 times of the Bank’s
net worth as per the audited balance sheet of the
SUHYLRXVÀQDQFLDO\HDU portions of which are reproduced hereunder. Three
vi. The securities shall not be eligible to be transferred/
sold for a period of 1 year from the date of allotment,
except on a recognized stock exchange or except
as may be permitted from time to time by the SEBI
(ICDR) regulations;
vii. The equity shares allotted shall rank pari passu in all
respect with the existing equity shares of the Bank
including dividend.
Your Directors recommend passing of the Resolutions as
mentioned in the notice for this agenda.
None of the Directors of the Bank are personally concerned
or interested in this agenda of the meeting.
A. LEGAL PROVISIONS
 7KHIROORZLQJWDEOHLQGLFDWHVWKHSURYLVLRQVFRQWDLQHGLQYDULRXV$FWV5HJXODWLRQ6FKHPH1RWLÀFDWLRQVDSSOLFDEOH
in this regard:
ACT/SCHEME/REGULATIONS/ PROVISIONS
NOTIFICATIONS
The Banking Regulation Act, Section 5 (ne)
Board of Directors propose to conduct an election of
shareholder Directors as one of the agenda items at
the AGM.
The Shareholders (other than the Central Government)
are therefore entitled to send their nominations as
per the procedure detailed in various and relevant
$FW6FKHPH5HJXODWLRQV1RWLÀFDWLRQ'LUHFWLRQV
from the Central Government, the relevant extracts /
directors will be elected either after the scrutiny of
the nominations which the Shareholders submit to
the Bank and determination of their Fit & Proper
Status by the Nomination Committee of the Board or
subsequent election at the Annual General Meeting.
$ 'LUHFWRU VR HOHFWHG VKDOO DVVXPH RIÀFH IURP
28th -XQH  DQG ZLOO KROG RIÀFH IRU D SHULRG RI
three years from the date of such assumption.
Your Directors recommend passing of the Resolutions
as mentioned in the notice for this agenda.
None of the Directors of the Bank are personally
concerned or interested in this agenda of the
meeting.
SHORT PARTICULARS
z Substantial Interest
1949
The Banking Companies
(Acquisition and Transfer of
Undertakings) Act, 1970
42
6HFWLRQ z Prohibition of Common Directors
Section 20 z Restrictions for granting loan or advance to or on
behalf of any of its directors
Section 3 (2E) z Restriction on voting rights
Section 9(3)(i) z No. of directors to be elected by the shareholders
Section 9(3A) (A) to (C) z 6SHFLDONQRZOHGJHLQFHUWDLQÀHOGV
Section 9(3AA)& z No person shall be eligible to be elected as director
Section 9(3AB) XQOHVV KH LV D SHUVRQ KDYLQJ ÀW DQG SURSHU VWDWXV
Section 9(3B) based upon track record, integrity and such other
Section 13(2) criteria as RBI may prescribe.
Annual Report 2017-2018
ACT/SCHEME/REGULATIONS/ PROVISIONS SHORT PARTICULARS
NOTIFICATIONS
z Right of RBI to remove a director so elected who
GRHVQRWIXOÀOOWKHUHTXLUHPHQWVRI6HFWLRQ$DQG
9(3AA) of the said Act.
z 2EOLJDWLRQDVWRÀGHOLW\DQGVHFUHF\

The Nationalised Banks Clause 9(4) z 7HUPRIRIÀFHRIHOHFWHGGLUHFWRUV

(Management And Clause 10 z 'LVTXDOLÀFDWLRQVIURPEHLQJHOHFWHGDVD'LUHFWRURI

Miscellaneous Provisions) Clause 11 the Bank

Scheme, 1970 Clause 11A z 9DFDWLRQRIRIÀFHRI'LUHFWRU

Clause 11B z 5HPRYDOIURPRIÀFHRIDQHOHFWHG'LUHFWRU

Clause 12(8) z )LOOLQJ RI FDVXDO YDFDQF\ LQ WKH RIÀFH RI DQ HOHFWHG

Union Bank of India (Shares and
Meetings) Regulations, 1998
Director
z Disclosure of interest by directors in certain
arrangements in which they are interested.
Regulation 10 z Exercise of rights of joint holders
5HJXODWLRQ z Voting at General Meetings

(Amended upto 2009) 5HJXODWLRQ z Directors to be elected at General Meetings

5HJXODWLRQ z /LVWRI6KDUHKROGHUV

5HJXODWLRQ z Nomination of candidates for election

5HJXODWLRQ z Scrutiny of nominations

5HJXODWLRQ z Election disputes

5HJXODWLRQ z Determination of voting rights

5HJXODWLRQ z Voting by duly authorized representative

Regulation 70 z Proxies

5%,1RWLÀFDWLRQ1R Pursuant to Section Fit and Proper criteria for elected directors on the
'%2'1R%&1RDQG 9(3AA) and Section board of nationalized banks
47/29.39.001/2007-08 dated 9(3AB) of The Banking
01.11.2007 and No.DBOD. Companies (Acquisition
BC.No.95/29.39.001/2010-11 and Transfer of
dated 23.05.2011 Undertakings) Act,
1970
/HWWHU GDWHG rd September 2013 Criteria laid down by the Central Government for
YLGH 5HI ) 1R  %2, FRQVLGHUDWLRQDVDQRQRIÀFLDOGLUHFWRULQ3XEOLF6HFWRU
issued by Government of India, Banks
Ministry of Finance, Department
of Financial Services and
Criteria laid down by the Central
Government for consideration as
D QRQRIÀFLDO GLUHFWRU LQ 3XEOLF
Sector Banks issued on March
25th, 2015.
RBI Master Circular dated 1st Granting loans and advances to relatives of Directors
July 2014

Annual Report 2017-2018 43

 For the convenience of the shareholders, the relevant
extracts from the Act, Regulation Act, the Scheme/
5HJXODWLRQDVZHOODV5%,1RWLÀFDWLRQV1R'%2'1R
%&1RDQGGDWHG
and No. DBOD.BC. No. 95 / 29.39.001 / 2010-11
dated 23.05.2011 and GOI Guidelines is hosted
LQ WKH %DQN·V ZHEVLWH ZZZXQLRQEDQNRÀQGLDFRLQ
Such extracts will also be e-mailed to the intending
candidates on receipt of a request addressed to
the Company Secretary, Union Bank of India at
WKHLU+HDG2IÀFHRQRUEHIRUHWKHODVWGDWHÀ[HGIRU
submission of nomination forms viz. 11th June 2015.
B. PARTICIPATION IN ELECTION:
As already indicated earlier such of those
shareholders whose names appear on the Register
RI 6KDUHKROGHUV  %HQHÀFLDO 2ZQHUV DV IXUQLVKHG
E\16'/&'6/DVRQWKH6SHFLÀHG'DWHi.e., on
Friday, 18th May, 2018 shall be entitled to participate
i.e. nominate, contest and vote in election of
directors from amongst Shareholders other than the
Central Government.
C. QUALIFICATIONS REQUIRED FOR BEING
ELECTED AS A DIRECTOR OF THE BANK
In terms of Section 9(3A) of the Act, a candidate,
being a shareholder of the Bank and who desires to
be elected as Director of the Bank under Section 9(3)
(i) of the Act shall -
1. have special knowledge or practical experience
in respect of the one or more of the following
matters namely:-
i. agriculture and rural economy
ii. banking
iii. co-operation
iv. economics
Y ÀQDQFH
vi. law
vii. small scale industry
viii. any other matter the special knowledge of,
and practical experience in which, would, in
the opinion of the Reserve Bank of India be
useful to the Bank (RBI vide its circular no.
'%5$SSW%&1R
dated 24th1RYHPEHUKDVH[WHQGHG
1RWLÀFDWLRQ FDQGLGDWH EHLQJ D VKDUHKROGHU RI
the Bank, who desires to be a Director of the
Bank, should possess ‘Fit and Proper’ status.
Further the elected Director should execute the
deed of covenants and is required to furnish
annual declarations as prescribed by the
Reserve Bank of India in this regard.
D. DISQUALIFICATIONS FROM BEING ELECTED AS
A DIRECTOR OF THE BANK
1. In terms of Clause 10 of the Nationalized Banks
(Management & Miscellaneous Provisions)
6FKHPH  D SHUVRQ VKDOO EH GLVTXDOLÀHG
for being appointed, as and for being a Director:
i. if he has at any time been adjudicated an
insolvent or has suspended payment or
has compounded with his creditors; or
ii. if he has been found to be of unsound mind
and stands so declared by a competent
court; or
iii. if he has been convicted by criminal
court of an offence which involves moral
turpitude; or
LY LI KH KROGV DQ\ RIÀFH RI SURÀW XQGHU
any nationalized Bank or State Bank of
India constituted under sub-section (1)
of Section 3 of the State Bank of India,
 RU DQ\ 6XEVLGLDU\ %DQN DV GHÀQHG
in Section 3 of the State Bank of India
(Subsidiary Banks) Act, 1959, except for
holding the post of whole time Director,
including the Managing Director and
Directors nominated under clauses (e)
and (f) of sub-section (3) of Section 9 of
the Act from among the employees of the
Bank and
 ,IKHLVQRWIRXQGWREH¶ÀWDQGSURSHU·SHUVRQ
LQWHUPVRI1RWLÀFDWLRQRI5HVHUYH%DQNRI,QGLD
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and DBOD No. 47/29.39.001/2007-08 dated
01.11.2007 by the Nomination Committee of
the Directors of the Bank.
3. If he is not found to be satisfying the criteria
laid down by the Central Government for
WKH ÀHOGV RI VSHFLDOL]DWLRQ WR LQFOXGH L
Information Technology (ii) Payment &
Settlement Systems (iii) Human Resources
(iv) Risk Management and (v) Business
Management, for persons who could be
considered for appointment of director in
the banks)
2. represents the interest of depositors; or
3. represents the interest of farmers, workers and
artisans
In terms of Section 9(3AA) of the Act and RBI
44 Annual Report 2017-2018
FRQVLGHUDWLRQDVDQRQRIÀFLDOGLUHFWRULQ3XEOLF
Sector Banks.
E. LIST OF SHAREHOLDERS
 $V SURYLGHG LQ 5HJXODWLRQ  RI WKH 8QLRQ %DQN RI
India (Shares and Meetings) Regulations, 1998, as
DPHQGHG D FRS\ RI WKH /LVW RI 6KDUHKROGHUV LQ
electronic form i.e. CD or such other media) will
EH DYDLODEOH DW WKH +HDG 2IÀFH RI WKH %DQN IURP
18th May, 2018 onwards for purchase by
Shareholders on payment of `50,000 (Rupees Fifty
Thousand only) by Demand Draft/Pay Order of
 Scheduled Bank in favor of “Union Bank of India”
payable at Mumbai. The candidates desirous of
purchasing the said list shall have to give a request
letter addressed to Company Secretary, Investor
Services Division, Union Bank of India, 12th
Floor, Union Bank Bhavan, 239, Vidhan Bhavan
Marg, Nariman Point, Mumbai – 400021 with an
undertaking that the list will be used in canvassing
for the election and shall not be used for any other
purpose whatsoever.
F. INSPECTION OF THE REGISTER OF
SHAREHOLDERS
The Register of Shareholders will be open for
LQVSHFWLRQE\WKH6KDUHKROGHUVDWWKH&HQWUDO2IÀFH
of the Bank on all working days (other than 2nd &
4th Saturday, Sundays and Bank Holidays) between
11.00 a.m. to 4 p.m. for the purpose of enabling the
contestants to take extracts of any part from the
Register of the Shareholders.
If any shareholder requires a copy or computer
print of select / part information of the same shall be
supplied to him on payment at the rate of `5 for every
1,000 words or fractional part thereof required to be
copied.
G. NOMINATION OF CANDIDATES FOR ELECTION:
 ,Q WHUPV RI 5HJXODWLRQ  RI WKH 5HJXODWLRQV DQG
1RWLÀFDWLRQV RI 5HVHUYH %DQN RI ,QGLD '%2'
1R %& 1R  DQG  
dated 01.11.2007 read with No. DBOD. BC.No.95/
GDWHGDQG/HWWHUGDWHG
3rd 6HSWHPEHUYLGH5HI)1R%2,
issued by Government of India, Ministry of Finance,
Department of Financial Services and Criteria laid
down by the Central Government for consideration
DV D QRQ RIÀFLDO GLUHFWRU LQ 3XEOLF 6HFWRU %DQNV
elect Directors under the Act or by their duly
constituted attorney, provided that a nomination
by shareholder who is a Company may be
made by a resolution of the Directors of the said
Company and where it is so made, a copy of
WKH UHVROXWLRQ FHUWLÀHG WR EH WUXH FRS\ E\ WKH
Chairman of the meeting at which it was passed
VKDOO EH GLVSDWFKHG WR WKH +HDG 2IÀFH RI WKH
Bank addressed to the Company Secretary,
Union Bank of India and such copy shall be
deemed to be a nomination on behalf of such
Company.
d) The valid nominations by the shareholders
(Minimum 100) is accompanied by a Declaration
by the candidate duly signed by the candidate
before a Judge, Magistrate, Registrar or Sub-
Registrar of Assurances or other Gazetted
2IÀFHU RU DQ RIÀFHU RI WKH 5HVHUYH %DQN RI
India or any Nationalized Bank, that he / she
accepts the nomination and is willing to stand
IRUHOHFWLRQDQGWKDWKHVKHLVQRWGLVTXDOLÀHG
either under the Act or Regulation Act or the
Scheme or the Regulations or applicable GOI
guidelines from being a Director along with his /
her personal details (bio data) duly signed and
DIÀUPLQJ WKDW VXFK GHWDLOV DUH WUXH WR WKH EHVW
of his / her knowledge and belief and also his /
her undertaking to keep the Bank fully informed
as soon as possible of such events which are
relevant to the information, subsequent to the
declaration. A specimen form of Nomination
and Declaration is furnished in this notice.
e) The nomination forms and declaration form are
as prescribed by the Regulation and as per the
proforma annexed to this notice (The proforma
is also available on the Bank’s website www.
issued on 25th March, 2015, 20th -XQH  DQG XQLRQEDQNRÀQGLDFRLQ
amendments made thereafter (GOI Guidelines)
and other applicable provisions of various Acts,
Guidelines, Directives, nomination of a candidate for
election as a Director shall be accepted provided:
a) He / she is a shareholder holding not less than
100 (One hundred) shares of the Bank as on
Friday, 18th May, 2018 being the 6SHFLÀHG
I +H6KHLVQRWGLVTXDOLÀHGXQGHUWKH%DQNLQJ
Regulation Act, 1949 or the Banking Companies
(Acquisition & Transfer of Undertakings) Act,
1970 or the Nationalized Banks (Management
& Miscellaneous Provisions) Scheme, 1970 or
the Union Bank of India (Shares and Meetings)
Regulations, 1998 (hereinafter referred to
Date of reckoning for participation in the
election and undertakes to hold a minimum
of 100 shares till the date of the meeting and
thereafter till the end of his/her tenure, if he/she
is elected.
b) As on Tuesday, 12th June, 2018 being the
last date for receipt of nomination, he / she is
QRW GLVTXDOLÀHG WR EH 'LUHFWRU XQGHU WKH $FW 
6FKHPH  5HJXODWLRQ  5%, 1RWLÀFDWLRQV*2,
Guidelines.
c) The nomination is in writing signed by at
least one hundred shareholders entitled to
Annual Report 2017-2018
DV ´WKH 5HJXODWLRQVµ DQG 1RWLÀFDWLRQ 1R
'%2' 1R%&12 GDWHG
1st November, 2007 of Reserve Bank of India
and Criteria laid down by the Government
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Banks issued on 25th March, 2015, 20th June,
RUVXFKRWKHUGLUHFWLYHVDVPD\EHLVVXHG
from time to time from being elected as a
director.
H. SUBMISSION OF NOMINATION FORMS
Shareholders desirous of contesting the election
of the Directors of the Bank from amongst the
45
 shareholders, other than the Central Government,
should submit following documents in formats
annexed to this notice, in a sealed envelope to the
Company Secretary, Investor Services Division,
Union Bank of India, 12th Floor, Union Bank
Bhavan, 239, Vidhan Bhavan Marg, Nariman
Point, Mumbai – 400021 on any working day not
OHVVWKDQIRXUWHHQGD\VEHIRUHWKHGDWHÀ[HGIRUWKH
AGM i.e. on or before closing hours of the bank at
5.00 p.m. on Tuesday, 12th June 2018:
in the newspapers and Election will be held and
candidate polling the majority of the votes i.e.
aggregate of e-voting and Poll at the meeting
will be deemed to have been elected and his/
her name will be announced and also published
in newspapers.
J. WITHDRAWAL OF CANDIDATURE
If any candidate desires to withdraw his nomination,
he would be entitled to do so at any time prior to clos-
ing hours of the Bank i.e. on or before 5.00 p.m. on
D 'XO\ÀOOHGLQ'HFODUDWLRQ)RUP Friday, 22nd June, 2018 by sending a letter ad-
b) Valid Nominations from minimum of hundred
shareholders entitled to participate in the
election;
c) Personal Information, Declaration and
Undertaking in the formats annexed to the
Notice together with the connected documents,
testimonials, viz. self attested copies of Bio-
GDWD &HUWLÀFDWH RI (GXFDWLRQDO 4XDOLÀFDWLRQV
Experience, etc.,
d) The said nomination forms and other documents
should be complete in all respects failing which
the nominations are liable to be rejected.
I. SCRUTINY OF NOMINATIONS AND ELECTION
OF DIRECTORS:
a) Nominations shall be scrutinized on
Wednesday, 13th June 2018WKHÀUVWZRUNLQJ
GD\IROORZLQJWKHODVWGDWHÀ[HGIRUWKHUHFHLSWRI
the nominations and in case any nomination is
not found to be valid, the same shall be rejected
after recording the reasons therefore.
b) Valid Nominations shall also be subjected to
scrutiny by the Nomination Committee of the
%RDUGLQWHUPVRIWKH5%,1RWLÀFDWLRQDQG*2,
Guidelines.
c) The Bank may at the time of scrutiny of
Nominations or as advised by the Nomination
Committee of the Board seek further information,
documents from the Candidates in support of
his/her candidature.
d) If there are only upto three valid nominations
IRUWKUHHYDFDQFLHVWREHÀOOHGE\WKHHOHFWLRQ
the candidate(s) so nominated shall be deemed
to be elected forthwith and his/her name and
address shall be published as so elected. The
dressed to Company Secretary, Investor Services
Division, Union Bank of India, 12th Floor, Union Bank
Bhavan, 239, Vidhan Bhavan Marg, Nariman Point,
Mumbai – 400021 or sending fax at 022-22025238
or scanned and signed letter over e-mail at
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K. DISPUTES
If there is any dispute, the same will be settled as per
5HJXODWLRQRIWKH8QLRQ%DQNRI,QGLD6KDUHVDQG
Meetings) Regulations, 1998 as amended.
L. EXTRACTS
As already mentioned elsewhere in the notice,
extracts of the relevant portions of the applicable
$FW  6FKHPH  5HJXODWLRQV  1RWLÀFDWLRQ
GOI Guidelines are posted on Bank’s website
ZZZXQLRQEDQNRÀQGLDFRLQ IRU WKH EHQHÀW RI WKH
shareholders. Shareholders desirous of contesting
elections may also write to the Company Secretary
of the Bank by post or email on investorservices@
XQLRQEDQNRÀQGLDFRPDQGWKH%DQNZLOOSURYLGHWKH
same.
M. INTEREST OF DIRECTORS
Directors of the Bank to the extent of their shareholding
DQG VXFK 'LUHFWRUV ZKR ÀOH WKHLU QRPLQDWLRQV PD\
be deemed to be concerned or interested in the
aforesaid item of business.
By order of the Board of Directors
For UNION BANK OF INDIA
QHZO\HOHFWHGGLUHFWRUVZLOODVVXPHRIÀFHRQ
28th June, 2018. In such an event or in case no (Rajkiran Rai G.)
nomination is found valid, the Agenda Item No. Managing Director & CEO
3 at the AGM will not be conducted.
e) If there are more than three valid nominations, Place : Mumbai
the names of the candidates shall be published Date : 10th May, 2018

 Annual Report 2017-2018

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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 47

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÷¸¸¹¥¸ˆÅ¸ 1: ‚¸¡¸ ‡¨¸¿ ¨¡¸¡¸ ¹¨¸¨¸£μ¸ (` ˆÅ£¸½èõ)
÷¸¸¹¥¸ˆÅ¸ 3: „÷œ¸¸™ˆÅ÷¸¸ ‚›¸ºœ¸¸÷¸
¹¨¸î¸ ¨¸ß¸Ä ¹¨¸î¸ ¨¸ß¸Ä ¨¸¸¹ß¸ÄˆÅ ¨¸¼¹Ö
ÇÅ. Ÿ¸¸›¸™¿è ¹¨¸î¸ ¨¸ß¸Ä ¹¨¸î¸ ¨¸ß¸Ä
2017-18 2016-17 ¨¸¸ç÷¸¹¨¸ˆÅ (%) Ÿ¸¸›¸™¿è
1 ‚¹ù¸Ä÷¸ ñ¡¸¸ù¸ 32748 32660 88 0.3 2017-18 2016-17
2 ‚›¡¸ ‚¸¡¸ 4990 4965 25 0.5 œÏ¹÷¸ ˆÅŸ¸Ä길£ú ‚¸¾ç¸÷¸ ˆÅ¸£¸½ñ¸¸£ (` ˆÅ£¸½èõ) 17.8 16.4
3 ˆºÅ¥¸ ‚¸¡¸ (1+2) 37738 37625 113 0.3 œÏ¹÷¸ ©¸¸‰¸¸ ‚¸¾ç¸÷¸ ˆÅ¸£¸½ñ¸¸£ (` ˆÅ£¸½èõ) 155.8 141.5
4 ¨¡¸¡¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ñ¡¸¸ù¸ 23443 23757 -314 -1.3
œÏ¹÷¸ ˆÅŸ¸Ä길£ú 縈ť¸ ¥¸¸ð¸ (` ¥¸¸‰¸) 20.06 20.2
5 ©¸ºÖ ñ¡¸¸ù¸ ‚¸¡¸ (1-4) 9305 8903 402 4.5
6 œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸ 6755 6438 317 4.9 5. ¥¸¸ð¸¸¿©¸
¹ù¸ç¸Ÿ¸½¿ 總 瘸¸œ¸›¸¸ ¨¡¸¡¸ 3255 3434 -179 -5.2 ‡›¸œ¸ú‡ ˆ½Å ¹¥¸‡ ‚¹š¸ˆÅ œÏ¸¨¸š¸¸›¸ ª¸½›¸½ ˆÅú ¨¸ù¸ª 總 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅ¸½ `5,247
7 ˆºÅ¥¸ ¨¡¸¡¸ 30198 30195 3.0 0.0 ˆÅ£¸½èõ ˆÅú ª¸¹›¸ ªºƒÄ ª¾. ÷¸™Ã›¸ºç¸¸£, ñ¸¸½èÄ ›¸½ ƒç¸ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ ˆÅ¸½ƒÄ ¥¸¸ð¸¸¿©¸
8 œ¸¹£ê¸¸¥¸›¸ ¥¸¸ð¸ (3-7) 7540 7430 110 1.5 ‹¸¸½¹ß¸÷¸ ›¸ªì ˆÅ£›¸½ ˆÅ¸ ¹›¸μ¸Ä¡¸ ¹¥¸¡¸¸ ª¾.
9 œÏ¸¨¸š¸¸›¸ 12787 6874 5913 86.0
6. ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅ¸½ œÏ¹÷¸¥¸¸ð¸
10 ©¸ºÖ ¥¸¸ð¸ -5247 555 -5803 -
11 œÏ¹÷¸ ©¸½¡¸£ ‚¸¡¸ -69.45 8.08 -77.53 - 6.1 pkVZ 5% izfr 'ks;j cgh ewY;ksa dh fLFkfr (`)
288.0 287.5
4. ¥¸¸ð¸œÏ™÷¸¸ ‚¸¾£ ™®¸÷¸¸ 277.8
269.4
4.1 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅ¸ œ¸¹£ê¸¸¥¸›¸ ¥¸¸ð¸ ¹¨¸î¸ ¨¸ß¸Ä 2016-17 ˆ½Å `7430 ˆÅ£¸½èõ ˆ½Å
縸œ¸½®¸ ¹¨¸î¸ ¨¸ß¸Ä 2017-18 Ÿ¸½¿ `7540 ˆÅ£¸½èõ ™ù¸Ä ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ¹¨¸î¸ ¨¸ß¸Ä
2017-18 Ÿ¸½¿ ñ¸ÿˆÅ ˆ½Å œ¸¹£ê¸¸¥¸›¸ ¥¸¸ð¸ Ÿ¸½¿ 1.48% ˆÅú ¨¸¼¹Ö ™ù¸Ä ˆÅú Š¸ƒÄ. 243.4

4.2 ñ¸éõ÷¸½ ‡›¸œ¸ú‡ œÏ¸¨¸š¸¸›¸úˆÅ£μ¸ ˆÅú ¨¸ù¸ª 總, ¹¨¸î¸ ¨¸ß¸Ä 2016-17 ˆ½Å `555
ˆÅ£¸½èõ ˆ½Å ¥¸¸ð¸ ˆ½Å 縸œ¸½®¸ ¹¨¸î¸ ¨¸ß¸Ä 2017-18 Ÿ¸½¿ ñ¸ÿˆÅ ˆÅú ©¸ºÖ ª¸¹›¸
2013-14 2014-15 2015-16 2016-17 2017-18
`5,247 ˆÅ£¸½èõ £ªú.
4.3 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅú ¥¸¸Š¸÷¸ ‚¸¡¸ ‚›¸ºœ¸¸÷¸ ¹¨¸î¸ ¨¸ß¸Ä 2016-17 ˆ½Å 46.42% ˆ½Å
ñ¸ÿˆÅ ˆÅú ©¸ºÖ 縿œ¸¹î¸ 31 Ÿ¸¸ê¸Ä, 2017 ˆ½Å `19,094 ˆÅ£¸½èõ 總 31 Ÿ¸¸ê¸Ä,
縸œ¸½®¸ ¹¨¸î¸ ¨¸ß¸Ä 2017-18 Ÿ¸½¿ 47.26% ª¸½ Š¸¡¸¸.
2018 ˆÅ¸½ `18,395 ˆÅ£¸½èõ ª¸½ Š¸¡¸ú.
pkVZ 4% vk; vuqikr (%) dh ykxr
7. ‚¸þç÷¸ Š¸ºμ¸¨¸î¸¸
52.1
51.2 51.3 7.1 ‚œ¸›¸½ ñ¸ÿˆÅ ˆÅú 縈ť¸ Š¸¾£-¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸¿ (ù¸ú‡›¸œ¸ú‡) 31 Ÿ¸¸ê¸Ä,
2017 ˆ½Å `33,712 ˆÅ£¸½èõ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸½¿ 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ `49,370
47.3
ˆÅ£¸½èõ £ª¸. 縈ť¸ Š¸¾£-¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ œÏ¹÷¸©¸÷¸ 31 Ÿ¸¸ê¸Ä, 2017
46.4 ˆ½Å 11.17 œÏ¹÷¸©¸÷¸ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸½¿ Ÿ¸¸ê¸Ä 2018 ˆÅ¸½ ñ¸éõˆÅ£ 15.73 œÏ¹÷¸©¸÷¸
ª¸½ Š¸¡¸¸.
7.2 ñ¸ÿˆÅ ˆÅ¸ ©¸ºÖ ‡›¸œ¸ú‡ 31 Ÿ¸¸ê¸Ä, 2017 ˆ½Å `18,833 ˆÅ£¸½èõ ˆÅú ÷¸º¥¸›¸¸ Ÿ¸½¿
2013-14 2014-15 2015-16 2016-17 2017-18 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ `24,326 ˆÅ£¸½èõ £ª¸.
4.4 ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸, ‚¸¾ç¸÷¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ (-) 1.07 pkVZ 6% ldy ,u,ih jkf”k (` djksM+) ,oa th,uih, (%)
œÏ¹÷¸©¸÷¸ £ª¸, ù¸ñ¸¹ˆÅ ƒþƨ¸’ú œ¸£ œÏ¹÷¸¥¸¸ð¸ (-) 28.53 œÏ¹÷¸©¸÷¸ £ª¸.
ù¸ú‡›¸œ¸ú‡ £¸¹©¸ ù¸ú‡›¸œ¸ú‡ %
49370
÷¸¸¹¥¸ˆÅ¸ 2: ™®¸÷¸¸ ‚›¸ºœ¸¸÷¸
33712 15.73
¹¨¸î¸ ¨¸ß¸Ä ¹¨¸î¸ ¨¸ß¸Ä 24171
Ÿ¸¸›¸™¿è (%) 11.17
2017-18 2016-17
13031 8.7
9564
ƒþƨ¸’ú œ¸£ œÏ¹÷¸¥¸¸ð¸ (-)1.07 0.12
4.08 4.96

‚¸¾ç¸÷¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ (-) 28.53 2.91 2013-14 2014-15 2015-16 2016-17 2017-18

48 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

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pkVZ 7% “kq) ,uih, jkf”k (` djksM+) ,oa ,uih, (%)
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©¸ºÖ ‡›¸œ¸ú‡ £¸¹©¸ ‡›¸œ¸ú‡ %
`2,000 ˆÅ£¸½èõ ù¸º’¸¡¸¸ ªÿ. ƒç¸ˆ½Å 縸˜¸ ªú 縸˜¸ Æ¡¸Þ‚¸ƒÄœ¸ú ˆÅ¸½ ð¸ú
¹›¸¨¸½©¸ˆÅ¸½¿ 總 „¥¥¸½‰¸›¸ú¡¸ œÏ¹÷¸ç¸¸™ œÏ¸œ÷¸ ªº‡ ‡¨¸¿ ¹ù¸ç¸ç¸½ Æ¡¸Þ‚¸ƒÄœ¸ú ‚¸½¨¸£
ç¸ñçÇŸƒñ¸ ªº‚¸.

9. ›¸½’¨¸ˆÄÅ

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¹¨¸™½©¸ Ÿ¸½¿ ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅú 길£ œ¸Þμ¸Ä ©¸¸‰¸¸‡¿ ‚¸¾£ œÏ¹÷¸¹›¸¹š¸ ˆÅ¸¡¸¸Ä¥¸¡¸ ª¾.
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‚›¸ºœ¸¸÷¸ 11.50 œÏ¹÷¸©¸÷¸ £ª¸. ñ¸ÿˆÅ ˆÅú ˆÅ¸ÁŸ¸›¸ ƒþƨ¸’ú ¹’¡¸£ (ç¸úƒÄ’ú I) œ¸Þ¿ù¸ú 9.2 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆ½Å ˆºÅ¥¸ ‡’ú‡Ÿ¸ 31 Ÿ¸¸ê¸Ä, 2017 ˆ½Å 7,518 ˆÅú ÷¸º¥¸›¸¸ Ÿ¸½¿
Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 7.60 œÏ¹÷¸©¸÷¸ £ª¸ ù¸¸½ ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ ›¡¸Þ›¸÷¸Ÿ¸ 總 ¥¸Š¸ð¸Š¸ 22 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 7,642 ª¸½ Š¸‡. ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ׸£¸ ™½©¸ ˆ½Å ¹¨¸¹ð¸››¸
ñ¸½¹ç¸ç¸ œ¸¸Áƒ¿’ ‚¹š¸ˆÅ ª¾. 瘸¸›¸¸½¿ Ÿ¸½¿ 50 ›¸ƒÄ ƒÄ-¥¸¸Áñ¸ú ‡¨¸¿ 61 ›¸‡ ˆ¾Å©¸¥¸½ç¸ ˆÿÅœ¸ ˆÅ¸ ©¸ºð¸¸£¿ð¸ ¹ˆÅ¡¸¸
÷¸¸¹¥¸ˆÅ¸ 4: œ¸Þ¿ù¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ‚›¸ºœ¸¸÷¸ - ñ¸¸ç¸¥¸ III (`ˆÅ£¸½èõ) Š¸¡¸¸ ª¾.
ð¸¸.¹£.ñ¸ÿ. ˆ½Å
31 Ÿ¸¸ê¸Ä, 31 Ÿ¸¸ê¸Ä, 9.3 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ ñ¸ÿˆÅ-£¹ª÷¸ ®¸½°¸¸½¿ Ÿ¸½¿ ñ¸ÿëˆÅŠ¸ 總¨¸¸‡¿ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å
Ÿ¸¸›¸™¿è ›¡¸Þ›¸÷¸Ÿ¸ ñ¸½¿ê¸Ÿ¸¸ˆÄÅ
2018 2017
31 Ÿ¸¸ê¸Ä, 2018 ¹¥¸‡ ˆºÅ¥¸ 5037 ¹ñ¸Î¸›¸½ç¸ ˆÅ£½çœ¸¸¿è½¿’ (ñ¸ÿˆÅ ¹Ÿ¸°¸) ªÿ.
ˆºÅ¥¸ ù¸¸½¹‰¸Ÿ¸ 𸸹£÷¸ 286344 291204
œ¸¹£ç¸¿œ¸¹î¸¡¸¸¿ 10. 縸½©¸¥¸ Ÿ¸ú¹è¡¸¸ Ÿ¸½¿ ªŸ¸¸£¸ 瘸¸›¸:
ˆºÅ¥¸ œ¸Þ¿ù¸úŠ¸÷¸ ¹›¸¹š¸ ¥¸¸Š¸Þ ›¸ªì 32939 34334
ç¸úƒÄ’ú 1 œ¸Þ¿ù¸ú 21764 22463 pkVZ 8% lks”ky ehfM;k vuqxkeh
760469
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ç¸ú‚¸£‡‚¸£ (%) 10.875 11.50 11.79 542771

ç¸úƒÄ’ú 1(%) 7.375 7.60 7.71 381097

¹’¡¸£ 1(%) 8.875 9.07 9.02

¹’¡¸£ 2(%) ¥¸¸Š¸Þ ›¸ªì 2.43 2.77
›¸¸½’: ð¸¸.¹£.ñ¸ÿ. ˆ½Å ç¸ú‚¸£‡‚¸£, ç¸úƒÄ’ú I ‡¨¸¿ ¹’¡¸£ I ‚›¸ºœ¸¸÷¸ ˆ½Å ›¡¸Þ›¸÷¸Ÿ¸ ñ¸½¿ê¸Ÿ¸¸ˆÄÅ
1.875 œÏ¹÷¸©¸÷¸ ç¸úç¸úñ¸ú (œ¸Þ¿ù¸ú 縿£®¸μ¸ ñ¸ûÅ£) 縹ŸŸ¸¹¥¸÷¸ ª¾. ¹’¡¸£ II ‚›¸ºœ¸¸÷¸ ª½÷¸º
ˆÅ¸½ƒÄ ›¡¸Þ›¸÷¸Ÿ¸ ¹›¸š¸¸Ä£μ¸ ›¸ªì ª¾.
8.1 ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ ù¸º’¸ƒÄ Š¸ƒÄ œ¸Þ¿ù¸ú: ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å
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`7,024 ˆÅ£¸½èõ ù¸º’¸¡¸¸ ª¾.
8.2 𸸣÷¸ 縣ˆÅ¸£ ׸£¸ œ¸Þ¿ù¸ú ˆÅ¸ ‚¿÷¸:œÏ¨¸¸ª: ñ¸ÿˆÅ ˆÅú œ¸Þ¿ù¸ú þ瘸¹÷¸ ˆÅ¸½
縺´éõ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ 𸸣÷¸ 縣ˆÅ¸£ ›¸½ ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸
‚¸œ¸ˆ½Å ñ¸ÿˆÅ Ÿ¸½¿ `4,524 ˆÅ£¸½èõ ˆÅú œ¸Þ¿ù¸ú ¥¸Š¸¸ƒÄ ª¾. ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ›¸½ œÏ¹÷¸
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œ¸£ 31.28 ˆÅ£¸½èõ ©¸½¡¸£ ‚¸ñ¸¿¹’÷¸ ¹ˆÅ‡ ªÿ.
193165
FY 2016-17 Q1 2017-18 Q2 2017-18 Q3 2017-18 Q4 2017-18
10.1 ¹¨¸î¸ ¨¸ß¸Ä 2016-17 Ÿ¸½¿ ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ›¸½ ‚œ¸›¸½ ŠÏ¸ªˆÅ¸½¿ ¨¸ ‚›¡¸ ç’½ˆÅš¸¸£ˆÅ¸½¿
ˆ½Å 縸˜¸ ù¸ºèõ½ £ª›¸½ ˆ½Å ¹¥¸‡ þ’踒£ ‡¨¸¿ û½Åç¸ñ¸ºˆÅ ˆÅ¸ ©¸ºð¸¸£¿ð¸ ¹ˆÅ¡¸¸ ª¾.
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„œ¸þ瘸¹÷¸ ™ù¸Ä ˆÅú ª¾.
10.2 ñ¸ÿˆÅ ›¸½ ƒ›¸ 縸½©¸¥¸ Ÿ¸ú¹è¡¸¸ œ¥¸½’ûöŸŸ¸Ä œ¸£ ‚œ¸›¸½ „÷œ¸¸™¸½¿/總¨¸¸‚¸½¿ ˆÅ¸
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ù¸›¸ç¸Ÿ¸Þª ÷¸ˆÅ œ¸ªºÂ긛¸½ Ÿ¸½¿ Ÿ¸™™ ¹Ÿ¸¥¸ú ª¾. ñ¸ÿˆÅ ›¸½ ûö½Åç¸ñ¸ºˆÅ Ÿ¸¾ç¸½¿ù¸£ Ÿ¸½¿
긾’ñ¸¸½’ ``¡¸Þ¹›¸¡¸›¸ ¨¸ê¸ºÄ‚¥¸ ‚¹ç¸ç’½¿’ (¡¸Þ¨¸ú‡) ˆÅ¸ ©¸ºð¸¸£¿ð¸ ¹ˆÅ¡¸¸ ª¾.

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 49

11. œ¸º£çˆÅ¸£ ‡¨¸¿ „œ¸¥¸þñš¸¡¸¸¿:
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50 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 DIRECTORS’ REPORT

Dear Shareholders, 2. Business:

The Board of Directors is pleased to present the 99 th
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Annual Report of the Bank for the Financial Year 2017- FURUHDVRQ0DUFKIURP `FURUHDV
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Loss Account’, ‘Cash-Flow Statement’ and the report on SHUFHQW
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Exhibit 1: Business Performance of the Bank (` Crore)
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Total Deposit Total Advances
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1. Highlights:
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stress recognition and building of provisions, and
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Exhibit 2: Movement of CASA Deposit (` Crore)

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Annual Report 2017-2018 51

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52 Annual Report 2017-2018

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11. Awards & Accolades:
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Annual Report 2017-2018 55

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𸹨¸ß¡¸ ª¾. ¡¸ª ˆÅ¸¡¸ÄÇÅŸ¸ ®¸Ÿ¸÷¸¸ ¹›¸Ÿ¸¸Äμ¸ Ÿ¸½¿ „¹ê¸÷¸ ˆÅ¸¾©¸¥¸ ‚¿÷¸¹›¸Ä¹¨¸ß’ ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ‚œ¸›¸½ ¹è¹ù¸’¥¸ ›¸½’¨¸ˆÄÅ ˆÅ¸½ ñ¸éõ¸›¸½ ˆ½Å ¹¥¸‡ „÷縺ˆÅ ª¾,
ˆÅ£›¸½ ‚¸¾£ ¨¸¹£ß¶ ‡¨¸¿ Ÿ¸š¡¸Ÿ¸ ç÷¸£ ˆ½Å ‚¹š¸ˆÅ¸¹£¡¸¸½¿ Ÿ¸½¿ ±¸¸›¸ ‚¿÷¸¹£÷¸ ÷¸™›¸ºç¸¸£, ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ ƒÄ-¥¸¸Áñ¸ú „œ¸þ瘸¹÷¸ Ÿ¸½¿ 33% ˆÅú
ˆÅ£›¸½ 總 ù¸ºèõ¸ ª¾. ƒç¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅ¸ Ÿ¸º‰¡¸ „Ó½©¡¸ ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ‚¸¾£ ¨¸¼¹Ö ªºƒÄ ª¾.
›¸½÷¸¼÷¨¸ ˆÅ¸¾©¸¥¸ Ÿ¸½¿ ¨¸¼¹Ö ˆÅ£ `𸹨¸ß¡¸ ˆ½Å ¹¥¸‡ ÷¸¾¡¸¸£' ˆÅ£›¸¸ ª¾. ‚Š¸ç÷¸
2017 總 ©¸º³ ¹ˆÅ‡ Š¸‡ ¡¸Þ¹›¸¡¸›¸ 𸹨¸ß¡¸ ˆ½Å ‚ñ¸ ÷¸ˆÅ 1030 œÏ¹÷¸ð¸¸Š¸ú 16. ¹è¹ù¸’¥¸ ›¸½’¨¸ˆÄÅ ˆÅ¸½ ñ¸éõ¸›¸½ ª½÷¸º „œ¸¸¡¸:
ªº‡ ªÿ, ù¸¸½ ¨¡¸¹Æ÷¸Š¸÷¸ ¹¨¸ˆÅ¸ç¸ ¡¸¸°¸¸ 總 Š¸ºù¸£½ ªÿ. ¡¸½ œÏ¹÷¸ð¸¸Š¸ú ‚ñ¸ ‚¸Á›¸ ÷¸¸¹¥¸ˆÅ¸ 12: ›¸ˆÅ™ú £¹ª÷¸ ¥¸½›¸™½›¸ Ÿ¸½¿ ¨¸¼¹Ö
ù¸¸Áñ¸ œÏ¸½ù¸½Æ’ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ‚œ¸›¸½ ®¸Ÿ¸÷¸¸ ˆÅ¸½ 縸¹ñ¸÷¸ ˆÅ£›¸½ ˆÅú £¸ª œ¸£ 縿‰¡¸¸
ªÿ, ù¸¸½ ¹ˆÅ ñ¸ÿˆÅ ˆ½Å œ¸¹£¨¸÷¸Ä›¸ˆÅ¸£ú „Ó½©¡¸¸½¿ 總 Š¸ª£½ ³œ¸ 總 縿ñ¸Ö ªÿ. ¡¸˜¸¸ 31 Ÿ¸¸ê¸Ä, ¡¸˜¸¸ 31 Ÿ¸¸ê¸Ä,
¨¸¼¹Ö % - ¨¸ß¸Ä
14.4 ¹¨¸¹¨¸š¸ œÏ¹©¸®¸μ¸ ˆÅ¸¡¸ÄÇÅŸ¸¸½¿ ˆ½Å 縸˜¸-縸˜¸ ñ¸ÿˆÅ ‡ˆÅ œ¸¸¹®¸ˆÅ œÏ©›¸¸½î¸£ú „÷œ¸¸™ 2018 2017
™£ ¨¸ß¸Ä
`¡¸Þ¹›¸¡¸›¸ ±¸¸›¸ ˆÅ縸¾’ú' ˆÅ¸ ð¸ú ‚¸¡¸¸½ù¸›¸ ˆÅ£÷¸¸ ª¾, ¹ù¸ç¸Ÿ¸½¿ ñ¸ÿˆÅ ˆ½Å (¥¸¸‰¸ Ÿ¸½¿) (¥¸¸‰¸ Ÿ¸½¿)
‚¸¿÷¸¹£ˆÅ œ¸¹£ê¸¸¥¸›¸ 總 縿ñ¸þ›š¸÷¸ ¹¨¸¹¨¸š¸ ¹¨¸ß¸¡¸ ©¸¸¹Ÿ¸¥¸ £ª÷¸½ ªÿ. ƒç¸ è½¹ñ¸’ ˆÅ¸èÄ 356.00 309.00 15.21
œÏ©›¸¸½î¸£ú œÏ¹÷¸¡¸¸½¹Š¸÷¸¸ Ÿ¸½¿ ¹¨¸ù¸½÷¸¸ ˆ½Å ¹¥¸‡ ‚¸¹˜¸ÄˆÅ œ¸º£çˆÅ¸£ ð¸ú ©¸¸¹Ÿ¸¥¸ Ç½Å¹è’ ˆÅ¸èÄ 2.18 1.80 21.11
ªÿ, ù¸¸½ 縪𸸹Š¸÷¸¸ ˆÅ¸½ œÏ¸½÷縸¹ª÷¸ ˆÅ£÷¸¸ ª¾. ±¸¸›¸ ˆÅ縸¾’ú ›¸ ¹ç¸ûÄÅ ‚¸ƒÄ‚¸£ç¸ú’úç¸ú ˆÅ¸èÄ 0.25 0.21 18.35
±¸¸›¸ ¨¸¼¹Ö Ÿ¸½¿ Ÿ¸™™ ˆÅ£÷¸ú ª¾ ñ¸þ¥ˆÅ ¡¸ª œÏ¹÷¸ð¸¸¹Š¸¡¸¸½¿ ˆ½Å ç¸ú‰¸›¸½ ‚¸¾£ œÏúœ¸½è ˆÅ¸èÄ 0.06 0.05 8.63
„››¸¹÷¸ ˆÅ£›¸½ ˆ½Å „÷縸ª ˆÅ¸½ ð¸ú œÏ™¹©¸Ä÷¸ ˆÅ£÷¸¸ ª¾. ƒ¿’£›¸½’ ñ¸ÿëˆÅŠ¸ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä 18.18 15.31 18.75
‡ç¸‡Ÿ¸‡ç¸ ñ¸ÿëˆÅŠ¸ 250.00 220.00 13.64
14.5 ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ ‚œ¸›¸¸ 縨¸Äý½ß¶ ™½›¸½ ª½÷¸º 縙¾¨¸ œÏ¹÷¸ñ¸Ö ª¾, „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä
÷¸™›¸ºç¸¸£, ¡¸ª ‚œ¸›¸½ ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅ¸½ ‚œ¸›¸½ 縿ñ¸¿¹š¸÷¸ ®¸½°¸¸½¿ Ÿ¸½¿ 縨¸Äý½ß¶ Ÿ¸¸½ñ¸¸ƒ¥¸ ñ¸ÿëˆÅŠ¸ „œ¸¡¸¸½Š¸ˆÅ÷¸¸Ä 20.46 11.34 80.42
œÏ™©¸Ä›¸ ˆÅ£›¸½ ª½÷¸º ÷¸¾¡¸¸£ ˆÅ£÷¸¸ ª¾.
¡¸Þœ¸ú‚¸ƒÄ 3.54 1.96 80.61
15. ©¸¸‰¸¸ ›¸½’¨¸ˆÄÅ: ð¸úŸ¸ 4701 0.0 -
‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ™½©¸ ˆ½Å ¨¸¿¹ê¸÷¸ ®¸½°¸¸½¿ Ÿ¸½¿ ‚œ¸›¸ú „œ¸þ瘸¹÷¸ ˆÅ¸½ ñ¸éõ¸›¸½ Ÿ¸½¿ 縹ÇÅ¡¸ 16.1 𸸣÷¸ ¹ñ¸¥¸ œ¸½Ÿ¸½¿’ ¹ç¸ç’Ÿ¸ (ñ¸úñ¸úœ¸ú‡ç¸) ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ "ˆÅð¸ú ð¸ú ˆÅªì
£ª¸ ª¾. ÷¸™›¸ºç¸¸£, ñ¸ÿˆÅ ›¸½ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ 25 ›¸ƒÄ ©¸¸‰¸¸‡¿ ù¸¸½èúõ ªÿ, ¹ù¸ç¸Ÿ¸½¿ 總 ð¸ú" ¹ñ¸¥¸ 𸺊¸÷¸¸›¸ ˆÅú 縺¹¨¸š¸¸ œÏ™¸›¸ ˆÅ£›¸½ ¨¸¸¥¸¸ ë縊¸¥¸ ñϸ¿è ƒŸ¸½ù¸ œ¸£
9 ©¸¸‰¸¸‡¿ ™½©¸ ˆ½Å ñ¸ÿˆÅ £¹ª÷¸ ŠÏ¸Ÿ¸úμ¸ ‡¨¸¿ ‚š¸Ä-©¸ª£ú ˆ½Å¿ ͸½¿ Ÿ¸½¿ ‰¸¸½¥¸ú Š¸¡¸ú ªÿ. ˆÅ¸¡¸Ä ˆÅ£÷¸¸ ª¾. ¡¸ª ‡ˆÅ ë縊¸¥¸ ¹ñ¸¥¸ œ¸½Ÿ¸½¿’ ¹ç¸ç’Ÿ¸ ª¾, ù¸¸½ £¸½ù¸Ÿ¸£¸Ä

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 61

 ˆÅú „œ¸¡¸¸½Š¸ú 總¨¸¸‡¿ ù¸¾ç¸½ ¹ñ¸ù¸¥¸ú, œ¸¸›¸ú, Š¸¾ç¸, ’½¥¸úûŸ½›¸ ‚¸¾£ 踡¸£½Æ’-
’Þ-ª¸½Ÿ¸ (èú’ú‡ê¸) ’½¥¸ú¹¨¸Î¸›¸ 總¨¸¸ ˆ½Å ¹¥¸‡ ñ¸¸£-ñ¸¸£ ¹ˆÅ‡ ù¸¸›¸½ ¨¸¸¥¸½
𸺊¸÷¸¸›¸ ˆÅú 總¨¸¸‡¿ œÏ™¸›¸ ˆÅ£÷¸¸ ª¾. ¡¸ª 縺¹¨¸š¸¸ ƒ¿’£›¸½’ ñ¸ÿëˆÅŠ¸ Ÿ¸½¿ ¹ñ¸¥¸
œÏ½ç¸½¿’Ÿ¸½¿’ Ÿ¸¸Áèá¸Þ¥¸ Ÿ¸½¿ 縟¸þ›¨¸÷¸ ª¾.
16.2 ñ¸ÿˆÅ ›¸½ 縿瘸¸ 總 縿ñ¸¿¹š¸÷¸ ù¸¸›¸ˆÅ¸£ú ˆ½Å œÏ縸£ ª½÷¸º œÏ¹ÇÅ¡¸¸ ˆÅ¸½ 縣¥¸
ñ¸›¸¸›¸½ ‚¸¾£ ç¸ð¸ú Ÿ¸¸½ñ¸¸ƒ¥¸ ‡¨¸¿ ¨¸½ñ¸ ‚¸š¸¸¹£÷¸ 𸺊¸÷¸¸›¸ 긾›¸¥¸ Ÿ¸½¿ ë縊¸¥¸
ƒ¿’£û½Åç¸ ª½÷¸º ¡¸Þ¹›¸¡¸›¸ 縪¡¸¸½Š¸ ‡þœ¥¸ˆ½Å©¸›¸ ˆÅú ©¸º²‚¸÷¸ ˆÅú ª¾.
16.3 ŠÏ¸Ÿ¸úμ¸ ®¸½°¸¸½¿ Ÿ¸½¿ ¹è¹ù¸’¥¸ ñ¸ÿëˆÅŠ¸ ù¸¸Š¸³ˆÅ÷¸¸ ˆÅ¸½ œÏ𸸨¸ú é¿Š¸ 總 û¾Å¥¸¸›¸½
ˆ½Å ¹¥¸‡ ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ›¸½ œÏ÷¡¸½ˆÅ ‚ŠÏμ¸ú ¹ù¸¥¸½ Ÿ¸½¿ Š¸¸Â¨¸ ˆÅ¸½ ‚¿Š¸úˆÅ¼÷¸ ¹ˆÅ¡¸¸ ª¾.
÷¸™›¸ºç¸¸£, 158 Š¸¸Â¨¸¸½¿ ˆÅú œ¸ªê¸¸›¸ ˆÅú Š¸ƒÄ ª¾. œÏ÷¡¸½ˆÅ Š¸¸Â¨¸ Ÿ¸½¿ ù¸¸Š¸³ˆÅ÷¸¸
û¾Å¥¸¸›¸½ ‡¨¸¿ ‚¹ð¸¡¸¸›¸ ª½÷¸º ñ¸ÿˆÅ ›¸½ ¹è¹ù¸’¥¸ 𸺊¸÷¸¸›¸ 긾›¸¥¸ ‡¨¸¿ ¨¡¸¸œ¸¸£ú
‚¹š¸ŠÏªμ¸ ¥¸½›¸™½›¸ ˆÅú „œ¸¥¸ñš¸÷¸¸ ׸£¸ "¡¸Þ¹›¸¡¸›¸ èõú¹ù¸ Š¸¸¿¨¸" ›¸¸Ÿ¸ ¹™¡¸¸
Š¸¡¸¸ ˜¸¸.
16.4 ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ‚ŠÏμ¸ú œ¸ú‡ç¸¡¸Þ ñ¸ÿˆÅ ª¾ ¹ù¸ç¸›¸½ ‡’ú‡Ÿ¸ ¥¸½›¸™½›¸ Ÿ¸½¿ ñ¸¸¡¸¸½Ÿ¸¾¹’ïˆÅ
œÏŸ¸¸μ¸úˆÅ£μ¸ ˆÅú ©¸º²‚¸÷¸ ˆÅú ª¾. ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸½¿ ªŸ¸¸£½ ˆÅ¸èÄ š¸¸£ˆÅ¸½¿ ˆ½Å ¹¥¸‡
𸸣÷¸ 𸣠Ÿ¸½¿ 900+ ‡’ú‡Ÿ¸ ñ¸¸¡¸¸½Ÿ¸¾¹’ïˆÅ œÏŸ¸¸μ¸úˆÅ£μ¸ ª½÷¸º 縮¸Ÿ¸ ñ¸›¸¸‡
Š¸‡ ªÿ. ¡¸ª ªŸ¸¸£½ ‡’ú‡Ÿ¸ ˆÅ¸½ ‡½ç¸½ ˆÅ¸èÄ š¸¸£ˆÅ¸½¿ ˆ½Å ëûÅŠ¸£ëœÏ’ ׸£¸
œÏŸ¸¸μ¸úˆÅ£μ¸ ˆ½Å ‚¹÷¸¹£Æ÷¸ ¹¨¸ˆÅ¥œ¸ ˆ½Å 縸˜¸ 縮¸Ÿ¸ ˆÅ£÷¸¸ ª¾, ¹ù¸›¸ˆ½Å
‚¸š¸¸£ ›¸¿ñ¸£ ˆÅ¸½ „›¸ˆ½Å ñ¸ÿˆÅ ‰¸¸÷¸½ Ÿ¸½¿ ‚¿¹ˆÅ÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
16.5 ñ¸ÿˆÅ ›¸½ ‚œ¸›¸½ ¡¸Þ Ÿ¸¸½ñ¸¸ƒ¥¸ ‡þœ¥¸ˆ½Å©¸›¸ Ÿ¸½¿ è½¹ñ¸’ ˆÅ¸èÄ ˆ¿Å’︽¥¸ û¿ÅÆ©¸›¸ ˆÅú
©¸º²‚¸÷¸ ˆÅú ª¾ ¹ù¸ç¸ç¸½ ŠÏ¸ªˆÅ ‚œ¸›¸½ è½¹ñ¸’ ˆÅ¸èÄ ˆÅ¸½ ñ¥¸¸ÁˆÅ ¡¸¸ ‚›¸ñ¥¸¸ÁˆÅ
‡¨¸¿ ¨¡¸¡¸ ç¸úŸ¸¸ ˆÅ¸½ ¹›¸š¸¸Ä¹£÷¸ ˆÅ£ 縈Å÷¸¸ ª¾. ¡¸ª 縺¹¨¸š¸¸ ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ ›¸¸
ˆ½Å¨¸¥¸ „›¸ˆ½Å ˆÅ¸èÄ ç¸½ ¥¸½›¸™½›¸ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ ¹›¸¡¸¿°¸μ¸ œÏ™¸›¸ ˆÅ£ ¹¨¸æ¸¸ç¸
ˆÅ¸½ ñ¸éõ¸÷¸¸ ª¾, ñ¸þ¥ˆÅ 縺£®¸¸ ç÷¸£ ˆ½Å ›¸‡ ‚¸¡¸¸Ÿ¸ 總 ð¸ú œ¸¹£¹ê¸÷¸ ˆÅ£¸÷¸¸ ª¾.
16.6 ñ¸ÿˆÅ ›¸½ ç¸ð¸ú ŠÏ¸ªˆÅ¸½¿ ˆ½Å ¹¥¸‡ „›¸ˆ½Å ‚¸¾ç¸÷¸ ¹÷¸Ÿ¸¸ªú ©¸½ß¸ ˆÅ¸ ¹¥¸ª¸ù¸ ¹ˆÅ‡
¹ñ¸›¸¸ ¨¸úθ¸ œ¸½¨¸½ñ¸ è½¹ñ¸’ ˆÅ¸èÄ ˆÅú ©¸º²‚¸÷¸ ˆÅú ª¾. ¨¸úθ¸ œ¸½¨¸½ñ¸ è½¹ñ¸’ ˆÅ¸èÄ
¹›¸¡¸£ ûÅú¥è ˆÅŸ¡¸Þ¹›¸ˆ½Å©¸›¸ (‡›¸‡ûöÅç¸ú) ÷¸ˆÅ›¸úˆÅ œ¸£ ‚¸š¸¸¹£÷¸ ª¾, ù¸¸½
ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ ñ¸½ª÷¸£ 縺¹¨¸š¸¸ù¸›¸ˆÅ Š¸¹÷¸ œÏ™¸›¸ ˆÅ£÷¸¸ ª¾, ê¸Þ¿¹ˆÅ ƒ›¸ ˆÅ¸èÄ ç¸½
¥¸½›¸™½›¸ œ¸Þ£¸ ˆÅ£›¸½ Ÿ¸½¿ ¹¨¸Ô¸Ÿ¸¸›¸ Ÿ¸½Š›¸½¹’ˆÅ þç’/ƒÄ‡Ÿ¸¨¸ú ˆÅ¸èÄ ˆÅú ÷¸º¥¸›¸¸
Ÿ¸½¿ ˆÅŸ¸ 縟¸¡¸ ¥¸Š¸÷¸¸ ª¾.
17. ÷¸ˆÅ›¸úˆÅú „››¸¡¸›¸ :
17.1 ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ 縙¾¨¸ 總 ªú ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ 縣¥¸úˆÅ¼÷¸ ñ¸ÿëˆÅŠ¸ œÏ™¸›¸ ˆÅ£›¸½
ˆÅú ´þß’ 總 ‚¸ƒÄ’ú Ÿ¸Þ¥¸ð¸Þ÷¸ 縺¹¨¸š¸¸‚¸½¿ ˆÅ¸½ ¹¨¸ˆÅ¹ç¸÷¸ ˆÅ£ £ª¸ ªÿ.
ñ¸ÿˆÅ ŠÏ¸ªˆÅ ‚›¸ºˆÞÅ¥¸ ÷¸ˆÅ›¸úˆÅú ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ 縹ª÷¸ ç¸Þ긛¸¸ 縺£®¸¸
Ÿ¸¸Áèá¸Þ¥¸ Ÿ¸½¿ ¨¸¼¹Ö ª½÷¸º œÏ¡¸¸ç¸£÷¸ ª¾.
ŠÏ¸ªˆÅ 總¨¸¸ „÷ˆÅ¼ß’÷¸¸ ª½÷¸º ‚œ¸›¸ú ÷¸ˆÅ›¸úˆÅú ˆÅ¸ ¥¸¸ð¸ „¶¸›¸½ Ÿ¸½¿ ñ¸ÿˆÅ
‡ˆÅ ˆÅ™Ÿ¸ ‚¸Š¸½ ñ¸éõ Š¸¡¸¸ ª¾:
17.2 ‚œ¸›¸½ œ¸¹£ç¸£ Ÿ¸½¿ ˆÅ¸¡¸ÄˆºÅ©¸¥¸ 縿縸š¸›¸ ˆ½Å „œ¸¡¸¸½Š¸ ª½÷¸º ¹›¸ù¸ú Æ¥¸¸„è
17.3 縸ƒñ¸£ 縺£®¸¸ ˆÅ¸½ 縺´éõ ˆÅ£›¸½ ª½÷¸º ‚¸¿÷¸¹£ˆÅ 縸ƒñ¸£ 縺£®¸¸ ‚¹ð¸¡¸¸›¸
ˆ½Å›Í
17.4 œ¸¹£ê¸¸¥¸›¸ ŠÏ¸ªˆÅ 縿œ¸ˆÄÅ œÏñ¸¿š¸›¸ ˆ½Å 縸˜¸ ®¸½°¸ ˆÅ¹Ÿ¸Ä¡¸¸½¿ ˆÅ¸½ 縪¸¡¸÷¸¸
17.5 ƒÄ-ˆ½Å¨¸¸ƒÄç¸ú ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ¹¨¸î¸ú¡¸ 縟¸¸¨¸½©¸›¸ œ¸ª¥¸ ˆÅ¸ ¹¨¸ç÷¸¸£
62 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
17.6 ‚¸½’úœ¸ú ‚¸š¸¸¹£÷¸ ‰¸¸÷¸¸ ‰¸¸½¥¸›¸¸ ‡¨¸¿ ‚¸š¸¸£ 𸺊¸÷¸¸›¸
ñ¸ÿˆÅ ›¸½ ‚¸¿÷¸¹£ˆÅ œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ¨¸¼¹Ö ª½÷¸º ›¸ƒÄ ÷¸ˆÅ›¸úˆÅ ˆÅ¸½ ‚¿Š¸úˆÅ¼÷¸ ¹ˆÅ¡¸¸
ª¾, ù¸¸½ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ª¾:
17.7 ™ç÷¸¸¨¸½Î¸ œÏñ¸¿š¸›¸ œÏμ¸¸¥¸ú ˆ½Å ‚¿÷¸Š¸Ä÷¸ ˆ½Å›Íú¡¸ˆÅ¼÷¸ ‰¸¸÷¸¸ ‰¸¸½¥¸›¸½ Ÿ¸½¿
¨¸¼¹Ö.
17.8 †μ¸ œÏç÷¸¸¨¸¸½¿ ˆÅ¸ ¹è¹ù¸’¥¸úˆÅ£μ¸
17.9 „››¸÷¸ 縺£®¸¸, œÏ¸Ÿ¸¸¹μ¸ˆÅ÷¸¸, ¹¨¸æ¸ç¸›¸ú¡¸÷¸¸ ‡¨¸¿ œÏ¹ÇÅ¡¸¸‚¸½¿ ˆ½Å
¹è¹ù¸’¥¸úˆÅ£μ¸ ˆ½Å 縸˜¸ ˆ½Å¨¸¸ƒÄç¸ú ç¸÷¡¸¸œ¸›¸ ˆ½Å ¹¥¸‡ ƒÄ-ˆ½Å¨¸¸ƒÄç¸ú
縸½¥¡¸º©¸›¸.
17.10 ¹è¹ù¸’¥¸ 𸺊¸÷¸¸›¸ ƒˆÅ¸½-¹ç¸ç’Ÿ¸ ˆ½Å ¹¥¸‡ ‚¸¨¸©¡¸ˆÅ ‡œ¸ú‚¸ƒÄ ˆ½Å
‚›¸ºˆÞÅ¥¸ ›¸¨¸ú›¸÷¸Ÿ¸ 縿çˆÅ£μ¸ ˆ½Å ¹¥¸‡ ˆÅ¸½£ ñ¸ÿëˆÅŠ¸ ‡þœ¥¸ˆ½Å©¸›¸ ˆÅ¸
„››¸¡¸›¸
17.11 ‡ˆÅúˆÅ¼÷¸ Ÿ¸¸½ñ¸¸ƒ¥¸ ‡œ¸ ˆÅ¸ ¹¨¸ˆÅ¸ç¸ ‡¨¸¿ „™¡¸Ÿ¸ š¸¸½‰¸¸š¸èõú ù¸¸½¹‰¸Ÿ¸
œÏñ¸¿š¸›¸ 縸½¥¡¸º©¸›¸ ˆÅ¸ ¹¨¸ç÷¸¸£.
ñ¸½ª÷¸£ ¹›¸μ¸Ä¡¸ ¥¸½›¸½ ˆ½Å ¹¥¸‡ ¹¨¸©¥¸½¹ß¸÷¸ ‚¸¿ˆÅèõ¸½¿ ˆÅ¸ „œ¸¡¸¸½Š¸:
17.12 ñ¸ÿˆÅ ›¸½ ‡ˆÅúˆÅ¼÷¸ 總¨¸¸ ¹›¸¨¸½™›¸ œÏñ¸¿š¸›¸ ‡¨¸¿ ¹ñ¸ÇÅú œÏñ¸¿š¸›¸ ˆ½Å 縸˜¸
ŠÏ¸ªˆÅ 縿œ¸ˆÄÅ œÏñ¸¿š¸›¸ (ç¸ú‚¸£‡Ÿ¸) ‡þœ¥¸ˆ½Å©¸›¸ ˆÅ¸½ ¹¨¸ˆÅ¹ç¸÷¸ ¹ˆÅ¡¸¸ ª¾,
ŠÏ¸ªˆÅ ¨¸Š¸úĈţμ¸, š¸¸½‰¸¸š¸èõú ˆÅú œ¸ªê¸¸›¸ ‡¨¸¿ œ¸¸½’ÄûŸ½¹¥¸¡¸¸½ œÏñ¸¿š¸›¸ ˆ½Å
Ÿ¸¸š¡¸Ÿ¸ 總 ¡¸ª ‡þœ¥¸ˆ½Å©¸›¸ ¹›¸μ¸Ä¡¸ ¥¸½›¸½ Ÿ¸½¿ 縪¸¡¸ˆÅ ª¾.
17.13 ñ¸ÿˆÅ ›¸½ ¹è¹ù¸’¥¸ 긾›¸¥¸ ˆÅú „œ¸¡¸¸½¹Š¸÷¸¸ ˆÅ¸½ ñ¸éõ¸›¸½ ˆ½Å ¹¥¸¡¸½ É¡¸Þ긣 ŠÏºœ¸,
©¸¸Áœ¸ç¸Ä ç’¸Áœ¸, œ¸÷¸¿ù¸¹¥¸, ‚¸¹™÷¡¸ ¹ñ¸£¥¸¸ ŠÏºœ¸/ Ÿ¸½ˆÅ Ÿ¸¸ƒÄ ¹’ ˆ½Å 縸˜¸
¹£’½¥¸ ’¸ƒÄ-‚œ¸ ð¸ú ¹ˆÅ¡¸¸ ª¾.
17.14 縸˜¸ ªú ñ¸ÿˆÅ ׸£¸ ÷¸÷ˆÅ¸¥¸ è½¹ñ¸’ ˆÅ¸èÄ ù¸¸£ú ˆÅ£›¸¸, £¸ß’ïú¡¸
ƒ¥¸½Æ’︽¹›¸ˆÅ ’¸½¥¸ 縿ŠÏª ‚¸¹™ ù¸¾ç¸½ ›¸‡ „÷œ¸¸™¸½¿ œ¸£ ˆÅ¸¡¸Ä ˆÅ£ £ª¸ ª¾.
18. ˆÅ¸£¸½ñ¸¸£ ¹›¸£¿÷¸£÷¸¸ ˆ½Å ¹¥¸‡ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸
‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ 縙¾¨¸ 總 ªú 縺¹›¸¡¸¸½¹ù¸÷¸ ù¸¸½¹‰¸Ÿ¸ ˆ½Å œÏñ¸¿š¸›¸ Ÿ¸½¿
縹ÇÅ¡¸ £ª¸ ª¾ 길ª½ ¹ûÅ£ ¡¸ª ñ¸¸ù¸¸£ ª¸½, œ¸¹£ê¸¸¥¸›¸ ¡¸¸ Ç½Å¹è’ ª¸½.
縿Š¸¶›¸¸÷Ÿ¸ˆÅ ç÷¸£ œ¸£, ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ ¹¨¸¹ð¸››¸ ù¸¸½¹‰¸Ÿ¸¸½¿ ˆ½Å œÏñ¸¿š¸›¸ ˆ½Å
¹¥¸‡ ©¸úß¸Ä ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸½¿ ˆ½Å œ¸¹£ê¸¸¥¸›¸ ç÷¸£ ˆÅú 縹Ÿ¸¹÷¸ ׸£¸ 縟¸¹˜¸Ä÷¸
©¸úß¸Ä ç÷¸£ œ¸£ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ‚¸¾£ ‚¸þç÷¸ ™½¡¸÷¸¸ œÏñ¸¿š¸›¸ (‡ç¸ç¸ú‚¸£
‡¨¸¿ ‡‡¥¸‡Ÿ¸) œ¸£ ñ¸¸½èÄ ˆÅú œ¸¡¸Ä¨¸½®¸ú 縹Ÿ¸¹÷¸ ª¾. œ¸¡¸Ä¨¸½®¸ú 縹Ÿ¸¹÷¸ ù¸¸½¹‰¸Ÿ¸
£μ¸›¸ú¹÷¸ ‚¸¾£ ›¸ú¹÷¸¡¸¸½¿ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú ™½‰¸ð¸¸¥¸, ù¸¸½¹‰¸Ÿ¸ ˆÅú ¹™©¸¸
‡¨¸¿ ç÷¸£ ˆÅú 縟¸ú®¸¸, ¹¨¸¨¸½ˆÅœ¸Þμ¸Ä ç¸úŸ¸¸, 縿¹¨¸ð¸¸Š¸¸½¿ Ÿ¸½¿ ¹¨¸¹¨¸š¸÷¸¸ ‚¸¾£
ù¸¸½¹‰¸Ÿ¸ ¹£œ¸¸½ë’ÄŠ¸ ˆÅú ¹›¸Š¸£¸›¸ú ˆÅ£÷¸¸ ª¾.
18.1 †μ¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸:
†μ¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ 縹Ÿ¸¹÷¸ (ç¸ú‚¸£‡Ÿ¸ç¸ú): ç¸ú‚¸£‡Ÿ¸ç¸ú ñ¸ÿˆÅ ˆ½Å
†μ¸ ù¸¸½¹‰¸Ÿ¸ ˆÅ¸¡¸Ä ˆÅ¸ œ¸¡¸Ä¨¸½®¸μ¸ ˆÅ£÷¸¸ ª¾. ‚œ¸›¸ú ‚¸þç÷¸ Š¸ºμ¸¨¸î¸¸
œÏñ¸¿š¸›¸ „Ó½©¡¸ ˆ½Å ‚›¸º³œ¸, ñ¸ÿˆÅ ‚›¸º©¸¸¹ç¸÷¸ †μ¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ˆ½Å
Ÿ¸¸š¡¸Ÿ¸ 總 ‡ˆÅ 縺´éõ ‚¸þç÷¸ Š¸ºμ¸¨¸î¸¸ ñ¸›¸¸‡ £‰¸›¸½ ˆÅ¸ œÏ¡¸¸ç¸ ˆÅ£÷¸ú
ª¾. ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ œ¸ªê¸¸›¸, Ÿ¸¸œ¸›¸ ‡¨¸¿ ‚›¸ºý¨¸μ¸ ˆ½Å ¹›¸¡¸¿°¸μ¸ ª½÷¸º 縺´éõ
†μ¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ‡¨¸¿ ù¸¸½¹‰¸Ÿ¸ ¹›¸š¸¸Ä£μ¸ œÏμ¸¸¥¸ú ª¾. ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ †μ¸
ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ˆ½Å ¹¥¸‡ ¹¨¸¹ð¸››¸ 縸š¸›¸ ª¾, ¹ù¸ç¸Ÿ¸½¿ †μ¸ ù¸¸½¹‰¸Ÿ¸
 œÏñ¸¿š¸›¸ ›¸ú¹÷¸¡¸¸Â, †μ¸ ‚›¸ºŸ¸¸½™›¸ 縹Ÿ¸¹÷¸, ¹¨¸¨¸½ˆÅœ¸Þμ¸Ä †μ¸ ç¸úŸ¸¸‡¿,
ù¸¸½¹‰¸Ÿ¸ £½ë’Š¸ œÏμ¸¸¥¸ú, ù¸¸½¹‰¸Ÿ¸ ‚¸š¸¸¹£÷¸ ñ¡¸¸ù¸ ¹›¸š¸¸Ä£μ¸ ‡¨¸¿ 縿¹¨¸ð¸¸Š¸
œÏñ¸¿š¸›¸ ©¸¸¹Ÿ¸¥¸ ª¾.
ñ¸ÿˆÅ ¹£’½¥¸ ‡¨¸¿ ˆÅ¸Áœ¸¸½Ä£½’ †μ¸ ù¸¸½¹‰¸Ÿ¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ˆ½Å ¹¥¸‡
縺œ¸¹£ð¸¸¹ß¸÷¸ ‚¸¿÷¸¹£ˆÅ £½ë’Š¸ Ÿ¸¸Á襸 ‚¨¸š¸¸£μ¸¸ ˆÅ¸ œÏ¡¸¸½Š¸ ˆÅ£÷¸¸ ª¾.
縸˜¸ ªú, ñ¸ÿˆÅ ›¸½ £½ë’Š¸ Š¸ºμ¸¨¸î¸¸ Ÿ¸½¿ 縺š¸¸£, £½ë’Š¸ Ÿ¸¸Á襸¸½¿ ˆ½Å ñ¸½ª÷¸£
œÏ©¸¸ç¸›¸ ˆ½Å ¹¥¸‡ 縩¸Æ÷¸ £½ë’Š¸ 踒¸ñ¸½ç¸ ñ¸›¸¸›¸½ ª½÷¸º ˆ½¿ÅÍú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸
ç÷¸£ œ¸£ ˆ½¿ÅÍúˆ¼Å÷¸ £½ë’Š¸ œ¸Þ¥¸ ˆÅú 瘸¸œ¸›¸¸ ˆÅú ª¾. ù¸¸½¹‰¸Ÿ¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸
ˆÅú ñ¸½ª÷¸£ œÏ©¸¸ç¸›¸ ˆ½Å ¹¥¸‡, ˆ½¿ÅÍúˆ¼Å÷¸ £½ë’Š¸ œ¸Þ¥¸ ©¸¸‰¸¸ ç÷¸£ œ¸£
÷¸¾¡¸¸£ ¹ˆÅ‡ Š¸‡ ˆÅ¸Áœ¸¸½Ä£½’ ¥¸½›¸™¸£¸½¿ ˆÅú £½ë’Š¸ ˆ½Å ¹›¸š¸¸Ä£μ¸ ‡¨¸¿ ‚¿¹÷¸Ÿ¸
³œ¸ ™½›¸½ ˆÅ¸ ˆÅ¸¡¸Ä ˆÅ£÷¸¸ ª¾.
ñ¸ÿˆÅ ›¸½ ç¸ð¸ú ‚¹ŠÏŸ¸¸½¿ ˆ½Å ¹¥¸‡ ñ¸ÿˆÅ ˆÅú Ÿ¸¸›¸ˆÅúˆÅ¼÷¸ ‡¨¸¿ œ¸Þμ¸Ä œ¸¹£ð¸¸¹ß¸÷¸
‚›¸ºŸ¸¸½™›¸ œÏ¹ÇÅ¡¸¸ ‚œ¸›¸¸¡¸ú ª¾, ¹ù¸ç¸Ÿ¸½¿ †μ¸ Ÿ¸¿ù¸Þ£ú ª½÷¸º 縹Ÿ¸¹÷¸
‚¸š¸¸¹£÷¸ ´þß’ˆÅ¸½μ¸ ‚œ¸›¸¸¡¸¸ ù¸¸÷¸¸ ª¾ ‡¨¸¿ ¹¨¸¹ð¸››¸ ç÷¸£¸½¿ œ¸£ †μ¸
‚›¸ºŸ¸¸½™›¸ 縹Ÿ¸¹÷¸¡¸¸¿ ˆÅ¸¡¸Ä£÷¸ ª¾.
18.2 ñ¸¸Î¸¸£ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ :
‚¸þç÷¸ ™½¡¸÷¸¸ 縹Ÿ¸¹÷¸ (‡¥¸ˆÅ¸½): ‡¥¸ˆÅ¸½ ñ¸ÿëˆÅŠ¸ ‡¨¸¿ ’ï½ë芸 ˆÅ¸£¸½ñ¸¸£
Ÿ¸½¿ ñ¸¸Î¸¸£ ù¸¸½¹‰¸Ÿ¸ ˆÅ¸½ ˆÅŸ¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ ‚¸þç÷¸ ™½¡¸÷¸¸ œÏñ¸¿š¸›¸ ›¸ú¹÷¸,
’ï½ù¸£ú ›¸ú¹÷¸ ‡¨¸¿ ñ¸¸Î¸¸£ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ›¸ú¹÷¸ œÏç÷¸º÷¸ ˆÅ£÷¸ú ª¾. ‚¸þç÷¸
™½¡¸÷¸¸ œÏñ¸¿š¸›¸ 縹Ÿ¸¹÷¸ ˆÅú ¹›¸¡¸¹Ÿ¸÷¸ ñ¸¾¶ˆ½¿Å ª¸½÷¸ú ªÿ, ¹ù¸›¸Ÿ¸½¿ ¹¨¸¹ð¸››¸
‚¸þç÷¸¡¸¸½¿ ‡¨¸¿ ™½¡¸÷¸¸‚¸½¿ ˆÅú Ÿ¸¸°¸¸, 縿¹Ÿ¸ý, ‚¨¸¹š¸, Ÿ¸Þ¥¡¸ ‡¨¸¿ 縿£ê¸›¸¸
ˆ½Å ñ¸¸£½ Ÿ¸½¿ ¹›¸μ¸Ä¡¸ ¹¥¸¡¸¸ ù¸¸÷¸¸ ª¾. ‚¸þç÷¸ ™½¡¸÷¸¸ œÏñ¸¿š¸ 縹Ÿ¸¹÷¸ ‚¸þç÷¸¡¸¸½¿
‚¸¾£ ™½¡¸÷¸¸‚¸½¿ ˆÅ¸ Ÿ¸Þ¥¡¸-¹›¸š¸¸Ä£μ¸ ð¸ú ˆÅ£÷¸ú ª¾. ¡¸ª Ÿ¸º‰¡¸÷¸: ñ¡¸¸ù¸
™£ ù¸¸½¹‰¸Ÿ¸ œ¸ªê¸¸›¸, Ÿ¸¸œ¸›¸, ‚›¸ºý¨¸μ¸ ‡¨¸¿ œÏñ¸¿š¸›¸ ˆÅ£÷¸ú ª¾. ñ¸¸Î¸¸£
ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ˆ½Å ù¸¹£‡, ñ¸ÿˆÅ 縹ÇÅ¡¸ ÷¸£¥¸÷¸¸ œÏñ¸¿š¸›¸ 縺¹›¸¹ä¸÷¸
ˆÅ£÷¸¸ ª¾, ™ñ¸¸¨¸ŠÏç÷¸ œ¸¹£´©¡¸ œ¸¹£ˆÅþ¥œ¸÷¸ ˆÅ£÷¸¸ ª¾ ‚¸¾£ 縸˜¸ ªú ñ¸ÿˆÅ
ˆ½Å ¹¥¸‡ ‚¸ˆÅþ矸ˆÅ ¹›¸¹š¸ ¡¸¸½ù¸›¸¸ £‰¸÷¸¸ ª¾.
÷¸£¥¸÷¸¸ œÏñ¸¿š¸›¸ £μ¸›¸ú¹÷¸¡¸¸¿: ñ¸ÿˆÅ ›¸½ ÷¸£¥¸÷¸¸ Ÿ¸¸›¸ˆÅ œ¸£ ñ¸¸ç¸¥¸ III ˆ½Å
鸿긽 ˆ½Å ‚¸š¸¸£ œ¸£ ‚¸£ñ¸ú‚¸ƒÄ ׸£¸ ù¸¸£ú ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£
÷¸£¥¸÷¸¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ˆÅ¸½ ‚¿Š¸úˆ¼Å÷¸ ¹ˆÅ¡¸¸ ª¾, ƒç¸Ÿ¸½¿ ‚¿÷¸£ ¹™¨¸ç¸ú¡¸
÷¸£¥¸÷¸¸ œÏñ¸¿š¸›¸ ÷¸˜¸¸ ÷¸£¥¸÷¸¸ ˆÅ¨¸£½ù¸ ‚›¸ºœ¸¸÷¸ (‡¥¸ç¸ú‚¸£) ©¸¸¹Ÿ¸¥¸
ª¾. ÷¸£¥¸÷¸¸ ‚›¸ºœ¸¸÷¸¸½¿ ˆÅú Š¸μ¸›¸¸ ¹÷¸Ÿ¸¸ªú ‚¸š¸¸£ œ¸£ ˆÅú ù¸¸÷¸ú ª¾ ‡¨¸¿
÷¸£¥¸÷¸¸ ˆÅ¸ ‚›¸ºý¨¸μ¸ ‡¨¸¿ œÏñ¸¿š¸›¸ 縹ÇÅ¡¸÷¸¸œ¸Þ¨¸ÄˆÅ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾.
ù¸¸½¹‰¸Ÿ¸ Š¸μ¸›¸¸ ˆÅ¸¡¸Äœ¸Ö¹÷¸¡¸¸½¿ Ÿ¸½¿ 瘸¸›¸¸¿÷¸£μ¸: ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸½¿, ñ¸¸ù¸¸£
ù¸¸½¹‰¸Ÿ¸ ˆÅ¸ ‚¸ˆÅ¥¸›¸, Ÿ¸¸›¸ˆÅúˆÅ¼÷¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ œÏμ¸¸¥¸ú (‡ç¸‡Ÿ¸‡Ÿ¸)
׸£¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. ñ¸ÿˆÅ, ñ¸¸ù¸¸£ ù¸¸½¹‰¸Ÿ¸ ˆ½Å ¹¥¸‡ „››¸÷¸ ‚œÏ¸½ê¸
ˆ½Å ÷¸ª÷¸ ñ¸¸ù¸¸£ ù¸¸½¹‰¸Ÿ¸ ˆÅú Š¸μ¸›¸¸ ‡¨¸¿ „縈½Å ñ¸½ª÷¸£ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ª½÷¸º
‚¸¿÷¸¹£ˆÅ Ÿ¸¸Á襸 ‚œÏ¸½ê¸ (‚¸ƒÄ‡Ÿ¸‡) ¥¸¸›¸½ ˆÅú œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ª¾.
18.3 œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸:
ñ¸ÿëˆÅŠ¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ œ¸¹£´©¡¸ Ÿ¸½¿, œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ˆÅú
ð¸Þ¹Ÿ¸ˆÅ¸ Ÿ¸ª÷¨¸œ¸Þμ¸Ä ª¾. œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ ˆ½Å œÏñ¸¿š¸›¸ ª½÷¸º ñ¸ÿˆÅ ¨¡¸¸œ¸ˆÅ
œÏ¹ÇÅ¡¸¸‚¸½¿, ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸ œÏμ¸¸¥¸ú ‚¸¾£ ¥¸½‰¸¸ œ¸£ú®¸¸ ˆÅ¸ œÏ¡¸¸½Š¸
ˆÅ£÷¸¸ ª¾. 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ˆ½Å ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£ ñ¸ÿˆÅ
ˆ½Å œ¸¸ç¸ ñ¸¸½èÄ ×¸£¸ ‚›¸ºŸ¸¸½¹™÷¸ œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ›¸ú¹÷¸ ª¾.
œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ ˆÅú ù¸¸¿ê¸ ‚¸¾£ 縟¸¸š¸¸›¸ ˆ½Å ¹¥¸‡ ç¸ð¸ú ›¸‡ „÷œ¸¸™¸½¿
ˆÅ¸½ ›¸¨¸-„÷œ¸¸™ ‚›¸ºŸ¸¸½™›¸ œÏ¹ÇÅ¡¸¸ 總 Š¸ºù¸£›¸¸ ª¸½÷¸¸ ª¾.
¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
‚¸œ¸ˆ½Å ñ¸ÿˆÅ ›¸½ ¹¨¸Š¸÷¸ ñ¸¸£ª ¨¸ß¸¸½ô ˆ½Å ™¸¾£¸›¸ œ¸¹£ê¸¸¥¸›¸Š¸÷¸ ª¸¹›¸¡¸¸½¿ 總
縿ñ¸¿¹š¸÷¸ ‚¸¿ˆÅèõ¸½¿ ˆÅ¸ 縟¸½ˆÅ›¸ ¹ˆÅ¡¸¸ ª¾ ÷¸˜¸¸ 縺š¸¸£¸÷Ÿ¸ˆÅ ˆÅ™Ÿ¸ „¶¸›¸½
ª½÷¸º „›¸ˆÅ¸ ¹¨¸©¥¸½ß¸μ¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾; ÷¸¸¹ˆÅ ‚¸Š¸½ ‡½ç¸ú ª¸¹›¸¡¸¸½¿ ˆÅú
œ¸º›¸£¸¨¸¼¹î¸ ›¸¸ ª¸½. ¹¨¸¹ð¸››¸ „÷œ¸¸™¸½¿ ˆÅú œÏˆ¼Å÷¡¸¸‚¸½¿ Ÿ¸½¿ ‚¨¸¹©¸ß’ ù¸¸½¹‰¸Ÿ¸¸½¿
ˆ½Å ‚¸ˆÅ¥¸›¸ ª½÷¸º ù¸¸½¹‰¸Ÿ¸ ‡¨¸¿ ¹›¸¡¸¿¹°¸÷¸ 稸-Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ 縨¸½Ä®¸μ¸ ˆÅ£›¸½
ˆÅú œÏ¹ÇÅ¡¸¸ ©¸º³ ˆÅú Š¸ƒÄ ª¾.
ù¸¸½¹‰¸Ÿ¸ Š¸μ¸›¸¸ œ¸Ö¹÷¸ Ÿ¸½¿ 瘸¸›¸¸¿÷¸£μ¸ : ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸½¿ ñ¸ÿˆÅ ׸£¸
œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ œ¸Þ¿ù¸ú ‚¸ˆÅ¥¸›¸ ª½÷¸º œÏ¸˜¸¹Ÿ¸ˆÅ 縿ˆ½Å÷¸ˆÅ
‚œÏ¸½ê¸ ˆÅ¸ œÏ¡¸¸½Š¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾, œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ ª½÷¸º ñ¸ÿˆÅ ˆÅ¸½
‚ñ¸ 縟¸¸›¸¸›÷¸£ ‚¸š¸¸£ œ¸£ `Ÿ¸¸›¸ˆÅúˆ¼Å÷¸ ‚œÏ¸½ê¸ (’ú‡ç¸‡)' ˆÅ¸½ ð¸ú
ˆÅ¸¡¸¸Äþ›¨¸÷¸ ˆÅ£›¸½ ˆÅú ‚›¸ºŸ¸¹÷¸ 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ 總 ¹Ÿ¸¥¸ú ª¾.
ñ¸ÿˆÅ œ¸¹£ê¸¸¥¸›¸ ù¸¸½¹‰¸Ÿ¸ ˆ½Å ¹¥¸‡ ‡ˆÅ œ¸Þ¿ù¸ú 縿Š¸μ¸›¸¸ 縸½¥¡¸º©¸›¸
¥¸¸Š¸Þ ˆÅ£›¸½ ˆÅú œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ª¾, ù¸¸½ „››¸÷¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ‚œÏ¸½ê¸ (‡‡Ÿ¸‡)
ˆÅú ‚œ¸½®¸¸‚¸½¿ ˆÅ¸½ œ¸Þμ¸Ä ˆÅ£÷¸ú ª¾. ‡‡Ÿ¸‡ ˆ½Å ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ÷¸ª÷¸,
길£ Ÿ¸º‰¡¸ ‹¸’ˆÅ ù¸¾ç¸½ ‚¸¿÷¸¹£ˆÅ ª¸¹›¸ ‚¸ˆÅèõ½, ¨¸¸à¸ ª¸¹›¸ ‚¸ˆÅèõ½,
ˆÅ¸£¸½ñ¸¸£ œ¸¹£¨¸½©¸ ‚¸¾£ ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸ ˆÅ¸£ˆÅ ‡¨¸¿ œ¸¹£´©¡¸
¹¨¸©¥¸½ß¸μ¸ ˆ½Å ‚¸š¸¸£ œ¸£ œ¸Þ¿ù¸úŠ¸÷¸ ‚œ¸½®¸¸‚¸½¿ ˆÅ¸ ‚¸ˆÅ¥¸›¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸
ª¾.
18.4 縟¸Þª ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ :
ñ¸ÿˆÅ, ‚œ¸›¸ú 縟¸Þª ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ›¸ú¹÷¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ŠÏºœ¸-¨¸¸£ ‚œÏ¸½ê¸
¥¸¸Š¸Þ ˆÅ£›¸½ ˆÅú ‚¸½£ ‚ŠÏ縣 ª¾; ÷¸¸¹ˆÅ ˆÅ¸£¸½ñ¸¸£ 縿길¥¸›¸ Ÿ¸½¿ ù¸¸½¹‰¸Ÿ¸
ˆ½Å œÏŸ¸º‰¸ œ¸ª¥¸º‚¸½¿, ù¸¸½ ç¸ð¸ú ˆÅ¸£¸½ñ¸¸£ 縟¸Þª¸½¿ ˆÅ¸½ œÏ𸸹¨¸÷¸ ˆÅ£÷¸½ ªÿ,
ˆÅú ‚¸½£ š¡¸¸›¸ ¹™¡¸¸ ù¸¸ 縈½Å. ÷¸™›¸ºç¸¸£, ñ¸ÿˆÅ ׸£¸ 縸Ÿ¸¸›¡¸ ÷¸˜¸¸
÷¸›¸¸¨¸ŠÏç÷¸ þ瘸¹÷¸¡¸¸½¿ Ÿ¸½¿ ‚œ¸›¸½ 縟¸Þª œÏ¹÷¸ß¶¸›¸¸½¿, ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸¸½¿
÷¸˜¸¸ ¹Ÿ¸¹’Š¸½©¸›¸ „œ¸¸¡¸¸½¿, œ¸Þ¿ù¸ú ‚¸ˆÅ¥¸›¸ ª½÷¸º ¨¡¸¨¸þ瘸÷¸ ›¸ú¹÷¸ ¥¸¸Š¸Þ
ˆÅ£›¸½ ˆÅú œÏ¹ÇÅ¡¸¸ ©¸º³ ˆÅú Š¸ƒÄ ª¾.
18.5 š¸¸½‰¸¸š¸èõú ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ :
ñ¸ÿˆÅ ˆÅú ‡ˆÅ ñ¸¸½èÄ ×¸£¸ ‚›¸ºŸ¸¸½¹™÷¸ š¸¸½‰¸¸š¸èõú ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ ›¸ú¹÷¸
ª¾. ñ¸ÿˆÅ ˆÅú ‚¸¿÷¸¹£ˆÅ š¸¸½‰¸¸š¸èõú 縟¸ú®¸¸ œ¸¹£ß¸™ š¸¸½‰¸¸š¸èõú ˆ½Å ç¸ð¸ú
œÏ¡¸¸¹ç¸÷¸ Ÿ¸¸Ÿ¸¥¸¸½¿ ˆÅú ù¸¸¿ê¸ ˆÅ£÷¸ú ª¾ ‚¸¾£ 縺´éõ œÏμ¸¸¥¸ú ‚¸¾£ œÏ¹ÇÅ¡¸¸‡¿
ñ¸›¸¸‡ £‰¸›¸½ ˆ½Å ¹¥¸‡ 縺š¸¸£¸÷Ÿ¸ˆÅ „œ¸¸¡¸ 縺常‡ ù¸¸÷¸½ ªÿ. ñ¸¸½èÄ ˆÅ¸½
`1.00 ¥¸¸‰¸ ¡¸¸ „ç¸ç¸½ ‚¹š¸ˆÅ £¸¹©¸ ˆ½Å ç¸ð¸ú š¸¸½‰¸¸š¸èõú Ÿ¸¸Ÿ¸¥¸¸½¿ ˆÅú
¹£œ¸¸½ë’ÄŠ¸ ˆ½Å ‚¥¸¸¨¸¸, ñ¸ÿˆÅ ` 1 ˆÅ£¸½èõ ˆ½Å ¡¸¸ „ç¸ç¸½ ‚¹š¸ˆÅ £¸¹©¸ ˆ½Å
š¸¸½‰¸¸š¸èõú Ÿ¸¸Ÿ¸¥¸¸½¿ ˆÅú ¹£œ¸¸½ë’ÄŠ¸ ñ¸¸½èÄ ˆÅú ¹¨¸©¸½ß¸ 縹Ÿ¸¹÷¸ ˆÅ¸½ ˆÅ£÷¸¸
ª¾, ÷¸¸¹ˆÅ 縹Ÿ¸¹÷¸ ` 1 ˆÅ£¸½èõ ¡¸¸ „ç¸ç¸½ ‚¹š¸ˆÅ £¸¹©¸ ˆ½Å š¸¸½‰¸¸š¸èõú
ˆ½Å ‚›¸ºý¨¸μ¸ ˆÅ£ 縈½Å. ñ¸ÿˆÅ 縿¹™Šš¸ ‡¨¸¿ š¸¸½‰¸¸š¸èõúŠÏç÷¸ ¥¸½›¸™½›¸¸½¿ œ¸£
縟¸ŠÏ ›¸ù¸£ ñ¸›¸¸‡ £‰¸›¸½ ˆ½Å ¹¥¸‡ „Ô¸Ÿ¸-¨¸¸£ ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ 縸Ÿ¸¸š¸¸›¸
¥¸¸Š¸Þ ˆÅ£›¸½ ˆÅú ‚¸½£ ‚ŠÏ縣 ª¾. ñ¸ÿˆÅ ˆÅ¸ ¥¸®¡¸ œÏ¸£þŸð¸ˆÅ ê¸£μ¸ Ÿ¸½¿
š¸¸½‰¸¸š¸èõú ˆÅ¸ œ¸÷¸¸ ¥¸Š¸¸›¸¸ ª¾.
19. ‚›¸ºœ¸¸¥¸›¸ :
¨¸÷¸ÄŸ¸¸›¸ œ¸¹£¨¸½©¸ Ÿ¸½¿, ‚›¸ºœ¸¸¥¸›¸¸ ˆÅú œÏŸ¸º‰¸ ð¸Þ¹Ÿ¸ˆÅ¸ ª¾. ê¸Þ¿¹ˆÅ ‚¸œ¸ˆÅ¸
ñ¸ÿˆÅ ñ¸ÿëˆÅŠ¸ œÏμ¸¸¥¸ú ˆÅ¸ ‡ˆÅ ‚¹ð¸››¸ ‚¿Š¸ ª¾, ¹ù¸ç¸ˆÅú ‡ˆÅ
縺¨¡¸¨¸þ瘸÷¸ ‚›¸ºœ¸¸¥¸›¸ 縿£ê¸›¸¸ ª¾. ‚›¸ºœ¸¸¥¸›¸ ¹¨¸ð¸¸Š¸ 縺¨¡¸¨¸þ瘸÷¸
縿£ê¸›¸¸ ˆ½Å 縸˜¸ ‡ˆÅ 稸÷¸¿°¸ ¨¸¹’Ĉť¸ ª¾ ¹ù¸ç¸ˆ½Å œÏŸ¸º‰¸ Ÿ¸ª¸œÏñ¸¿š¸ˆÅ
ª¾, ù¸¸½ ¹ˆÅ Ÿ¸º‰¡¸ ‚›¸ºœ¸¸¥¸›¸ ‚¹š¸ˆÅ¸£ú ª¾ ‡¨¸¿ ˆÅ¸¡¸¸Ä÷Ÿ¸ˆÅ ¹¨¸ð¸¸Š¸¸½¿ ˆÅú
63
 縪¸¡¸÷¸¸ 總 縟¸›¨¸¡¸ 瘸¸¹œ¸÷¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ 縟œ¸Þμ¸Ä ¹Î¸ŸŸ¸½™¸£ú ƒ›¸ œ¸£
ª¾. ñ¸ÿˆÅ ˆÅú ‡ˆÅ 縿£¹ê¸÷¸ ¹£œ¸¸½ë’ÄŠ¸ ¨¡¸¨¸ç˜¸¸ ª¾ ¹ù¸ç¸ˆ½Å ‚¿÷¸Š¸Ä÷¸ 縿瘸¸
ˆÅú œÏ÷¡¸½ˆÅ ç÷¸£ ‚œ¸›¸ú ‚›¸ºœ¸¸¥¸›¸ ˆÅú ¹ù¸ŸŸ¸½™¸¹£¡¸¸½¿ ˆÅ¸ ¹›¸¨¸Äª›¸ ˆÅ£÷¸ú
ª¾. 縸˜¸ ªú, ñ¸ÿˆÅ ˆÅú ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ 縸¿¹¨¸¹š¸ˆÅ ‡¨¸¿ „¹ê¸÷¸ ¨¡¸¨¸ª¸£ ‚길£
縿¹ª÷¸¸ ˆÅ¸¡¸Ä 稸-¹›¸¡¸¸Ÿ¸ˆÅ 縿瘸¸‚¸½¿, 縣ˆÅ¸£ú ›¸ú¹÷¸¡¸¸½¿, ñ¸ÿˆÅ ˆÅú
‚¸¿÷¸¹£ˆÅ ›¸ú¹÷¸¡¸¸½¿ ‡¨¸¿ š¸›¸ ©¸¸½š¸›¸ ¹›¸¨¸¸£μ¸ ‚¹š¸¹›¸¡¸Ÿ¸ ׸£¸ ¹›¸š¸¸Ä¹£÷¸
¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸º³œ¸ ª¾.
‚›¸ºœ¸¸¥¸›¸ ˆÅ¸½ ¨¡¸¨¸þ瘸÷¸ ñ¸›¸¸›¸½ ˆ½Å „œ¸¸¡¸ ˆ½Å ³œ¸ Ÿ¸½¿, ñ¸ÿˆÅ ›¸½
¹ç¸ç’Ÿ¸½¹’ˆÅ ù¸¸½¹‰¸Ÿ¸ ˆ½Å ¹¥¸‡ ù¸¸½¹‰¸Ÿ¸ ‚¸š¸¸¹£÷¸ œ¸¡¸Ä¨¸½®¸μ¸ ª½÷¸º ‡ˆÅ
’ê¸ œ¸¸Áƒ¿’ ˆÅú 瘸¸œ¸›¸¸ ˆÅú ª¾, ÷¸¸¹ˆÅ ‚¸£ñ¸ú‚¸ƒÄ ˆÅú 縪¸¡¸÷¸¸ ˆÅú ù¸¸
縈½Å.
20. ¥¸½‰¸¸œ¸£ú®¸¸ :
20.1 ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ‚œ¸›¸ú ù¸¸½¹‰¸Ÿ¸ ‚¸š¸¸¹£÷¸ ‚¸¿÷¸¹£ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸ ÷¸¿°¸,
縟¸¨¸÷¸úÄ ¥¸½‰¸¸œ¸£ú®¸¸, œÏñ¸¿š¸ ¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿ ç¸Þ긛¸¸ 縺£®¸¸ ¥¸½‰¸¸œ¸£ú®¸¸
ˆÅ¸½ 縺´éõ ˆÅ£›¸½ ˆÅ¸ œÏ¡¸¸ç¸ ˆÅ£ £ªú ª¾. ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ›¸½ ‚¸¿÷¸¹£ˆÅ
›¸ú¹÷¸¡¸¸½¿ ˆÅ¸½ 縺´éõ ¹ˆÅ¡¸¸ ª¾. ÷¸™Ã›¸ºç¸¸£, ñ¸ÿˆÅ ˆÅú ñ¸¸½èÄ ›¸½ ‚œ¸›¸ú ¥¸½‰¸¸
œ¸£ú®¸¸ ›¸ú¹÷¸¡¸¸½¿ ˆÅú 縟¸ú®¸¸ ˆÅú ª¾.
20.2 ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸, ñ¸ÿˆÅ ›¸½ 3778 ˆÅú ¡¸¸½ù¸›¸¸ñ¸Ö 縿‰¡¸¸ ˆ½Å
縸œ¸½®¸ 3880 ©¸¸‰¸¸‚¸½¿ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ œ¸Þ£ú ˆÅú ª¾.
20.3 ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸, ˆÅ¸½ƒÄ ð¸ú ©¸¸‰¸¸ `‚÷¡¸¿÷¸ „êê¸ ù¸¸½¹‰¸Ÿ¸'
‚¸¾£ `ñ¸ªº÷¸ „êê¸ ù¸¸½¹‰¸Ÿ¸' £½ë’Š¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ›¸ªì œ¸¸ƒÄ Š¸ƒÄ ª¾. 縸˜¸
ªú, `„êê¸ ù¸¸½¹‰¸Ÿ¸' ¨¸¸¥¸ú ©¸¸‰¸¸‚¸½¿ ˆÅú 縿‰¡¸¸ ˆÅŸ¸ ªºƒÄ ª¾.
20.4 ñ¸ÿˆÅ ›¸½ ›¸‡ ¹¨¸ˆÅ¹ç¸÷¸ 縸ÁÉ’¨¸½¡¸£ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ 總 ˆ½¿ÅÍú¡¸ ‡¨¸¿ ®¸½°¸ú¡¸
ç÷¸£ ™¸½›¸¸½¿ ˆÅú ‚¸ÁûÅ縸ƒ’ ‚›¸ºý¨¸μ¸ œÏμ¸¸¥¸ú Ÿ¸½¿ 縺š¸¸£ ¹ˆÅ¡¸¸ ª¾.
20.5 ñ¸ÿˆÅ ¹¨¸î¸ ¨¸ß¸Ä 2018-19 總 ¨¸½ñ¸ ‚¸š¸¸¹£÷¸ ¥¸½‰¸¸œ¸£ú®¸¸ œÏñ¸¿š¸›¸ 縸½¥¡¸º©¸›¸
(èñ¥¸Þñ¸ú‡‡Ÿ¸‡ç¸), ù¸¸½¹‰¸Ÿ¸ ‚¸š¸¸¹£÷¸ ‚¸¿÷¸¹£ˆÅ ¥¸½‰¸¸œ¸£ú®¸¸, œÏñ¸¿š¸
¥¸½‰¸¸œ¸£ú®¸¸, 縟¸¨¸÷¸úÄ ¥¸½‰¸¸œ¸£ú®¸¸, ç¸Þ긛¸¸ œÏμ¸¸¥¸ú ¥¸½‰¸¸œ¸£ú®¸¸, ˆÅ£½¿ç¸ú
ê¸½ç’ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ ‡¨¸¿ 總¨¸¸ ©¸¸‰¸¸ ˆÅ¸½ ˆÅ¸¡¸¸Äþ›¨¸÷¸ ˆÅ£›¸½ ˆÅú
œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ª¾.
21. ç¸÷¸ˆÄÅ÷¸¸:
21.1 ñ¸ÿˆÅ ˆ½Å £¸½Î¸Ÿ¸£¸Ä ˆ½Å ˆÅ¸Ÿ¸ˆÅ¸ù¸ Ÿ¸½¿ Ÿ¸Þ¥¸ð¸Þ÷¸ ç÷¸£ œ¸£ ‚›¸ºœ¸¸¥¸›¸ ‚¸¾£
œÏμ¸¸¥¸ú ˆÅú ˆÅŸ¸ù¸¸½¹£¡¸¸½¿ ˆÅ¸½ 縟¸¸œ÷¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ „÷œÏ½£ˆÅ ˆ½Å ³œ¸ Ÿ¸½¿
ˆÅ¸¡¸Ä ˆÅ£÷¸ú ª¾, ¹ù¸ç¸Ÿ¸½¿ ç¸÷¸ˆÄÅ÷¸¸ ˆÅú Ÿ¸º‰¡¸ ð¸Þ¹Ÿ¸ˆÅ¸ ª¾.
21.2 ‚¸œ¸ˆ½Å ñ¸ÿˆÅ Ÿ¸½¿ ˆ½¿ÅÍú¡¸ ç¸÷¸ˆÄÅ÷¸¸ ‚¸¡¸¸½Š¸ ˆ½Å ‚¹š¸™½©¸¸½¿ ˆ½Å ‚›¸º³œ¸ ‡ˆÅ
𸥸ú 𸸿¹÷¸ 縿£¹ê¸÷¸ ç¸÷¸ˆÄÅ÷¸¸ œÏ©¸¸ç¸›¸ ª¾ ù¸¸½ ¹ˆÅ œ¸¹£ê¸¸¥¸›¸ ˆ½Å ç¸ð¸ú
®¸½°¸¸½¿ ˆÅ¸½ ˆÅ¨¸£ ˆÅ£÷¸ú ª¾.
21.3 ç¸÷¸ˆÄÅ÷¸¸ ù¸¸Š¸³ˆÅ÷¸¸ ˆÅú ‚¸½£ ‡ˆÅ ˆÅ™Ÿ¸ ñ¸éõ÷¸½ ªº‡, ñ¸ÿˆÅ ׸£¸ ‚œ¸›¸½
‚›¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ ‡¨¸¿ ©¸¸‰¸¸‚¸½¿ Ÿ¸½¿ ¹›¸¨¸¸£ˆÅ ç¸÷¸ˆÄÅ÷¸¸ ™¸¾£½ ¹ˆÅ‡ Š¸‡.
縸˜¸ ªú, ®¸½°¸ ˆÅ¹Ÿ¸Ä¡¸¸½¿ ˆÅ¸½ œÏ¹ÇÅ¡¸¸‚¸½¿ ˆ½Å ‚¸¨¸©¡¸ˆÅ ù¸¸Š¸³ˆÅ÷¸¸ ‡¨¸¿
¹›¸¡¸Ÿ¸¸½¿ ˆ½Å Š¸¾£- ‚›¸ºœ¸¸¥¸›¸ 總 „÷œ¸››¸ ª¸½›¸½ ¨¸¸¥¸ú 縟¸ç¡¸¸‚¸½¿ ˆ½Å ñ¸¸£½ Ÿ¸½¿
¹›¸™½Ä¹©¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸.
64 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
21.4 ñ¸ÿˆÅ ›¸½ ç¸÷¸ˆÄÅ÷¸¸ ˆ½Å ñ¸ªº÷¸ 總 ˆÅ¸¡¸¸½ô ˆÅ¸½ ‚¸Á›¸¥¸¸ƒ›¸ œ¸¸½’Ä¥¸ œ¸£
瘸¸›¸¸¿÷¸¹£÷¸ ˆÅ£ˆ½Å ÷¸ˆÅ›¸úˆÅú ˆ½Å 縸˜¸ œ¸¸£™¹©¸Ä÷¸¸ ˆÅ¸½ ù¸¸½èõ ¹™¡¸¸ ª¾.
27. ´þß’ˆÅ¸½μ¸:
ª¸¥¸ ªú Ÿ¸½¿ ñ¸ÿëˆÅŠ¸ ®¸½°¸, 縿£ê¸›¸¸÷Ÿ¸ˆÅ ‡¨¸¿ ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ œ¸¹£¨¸÷¸Ä›¸¸½¿ ˆÅ¸
縸®¸ú £ª¸ ª¾ ¹ù¸ç¸ˆÅ¸ „Ó½©¡¸ ƒç¸ ®¸½°¸ ˆÅ¸½ ‚¸¾£ ‚¹š¸ˆÅ ¥¸ê¸ú¥¸¸,
縟¸˜¸Ä ‡¨¸¿ 縺´éõ ñ¸›¸¸›¸¸ ª¾. ƒç¸ˆ½Å ‚¹÷¸¹£Æ÷¸ ˆºÅø ñ¸ÿˆÅ 𸹨¸ß¡¸ Ÿ¸½¿ ‚œ¸›¸½
¹¨¸ˆÅ¸ç¸ ˆ½Å ¹¥¸‡ ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅ¸½ 縮¸Ÿ¸ ñ¸›¸¸›¸½ ª½÷¸º ¹›¸¨¸½©¸ ˆÅ£ £ª½ ªÿ
÷¸¸¹ˆÅ ¨¸½ ñ¸ÿëˆÅŠ¸ ‚¸¾£ ¹¨¸î¸ú¡¸ ®¸½°¸ Ÿ¸½¿ ‚¸›¸½ ¨¸¸¥¸ú 긺›¸¸¾¹÷¸¡¸¸½¿ ˆÅ¸ ˆÅŸ¸Ä¶÷¸¸
總 縸Ÿ¸›¸¸ ˆÅ£ 縈½Å. ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸ 𸸨¸ú ´þß’ˆÅ¸½μ¸ ª¾ ‚¸¾£
¨¸ª š¸¸£μ¸ú¡¸ 縿¨¸¼¹Ö ®¸Ÿ¸÷¸¸ ˆ½Å ¹¥¸‡ ñ¸ªº÷¸ 總 œ¸ª¥¸¸½¿ œ¸£ ‚œ¸›¸¸ š¡¸¸›¸
ˆ½Åþ›Í÷¸ ¹ˆÅ‡ ªº‡ ª¾. ‚¥œ¸ ˆÅ¸¹¥¸ˆÅ Ÿ¸ºÓ¸½¿ ˆ½ ¹›¸œ¸’¸›¸ ª¸½›¸½ œ¸£ ƒç¸
œÏˆÅ¸£ ˆ½Å œ¸ª¥¸ ‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅ¸½ ‚¸Š¸¸Ÿ¸ú ¨¸ß¸¸½ô Ÿ¸½¿ ¹¨¸ù¸½÷¸¸ ¹©¸‰¸£ œ¸£ ¥¸½
ù¸¸‡Š¸¸.
‚¸œ¸ˆ½Å ñ¸ÿˆÅ ˆÅ¸ ¡¸ª ¹¨¸æ¸¸ç¸ ª¾ ¹ˆÅ ŠÏ¸ªˆÅ 總¨¸¸ Ÿ¸½¿ ç¸÷¸÷¸ ¨¸¼¹Ö,
ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸ 縿£ê¸›¸¸ Ÿ¸½¿ 縺š¸¸£, ‚›¸ºœ¸¸¥¸›¸ Ÿ¸½¿ 縺´éõ 縿çˆÅ¼¹÷¸ ‡¨¸¿
ˆÅŸ¸Ä길£ú ¹¨¸ˆÅ¸ç¸, Š¸ºμ¸¨¸î¸¸œ¸Þμ¸Ä 縿¨¸¼¹Ö ˆ½Å Ÿ¸º‰¡¸ ¹ç¸Ö¸›÷¸ ª¾. ƒç¸ ¹™©¸¸
Ÿ¸½¿ ñ¸ÿˆÅ ¹¨¸î¸ ¨¸ß¸Ä 2018-19 ˆ½Å ™¸¾£¸›¸ ‚¸¾£ ‚¹š¸ˆÅ œÏ¡¸¸ç¸£÷¸ £ª½Š¸¸.
¹¨¸Ô¸Ÿ¸¸›¸ ŠÏ¸ªˆÅ¸½¿ ˆ½Å ¹¥¸‡ ÇŸÁç¸-總¥¸ ‡¨¸¿ ‚œ¸-總¥¸ 縺´éõ ˆÅ£÷¸½ 縟¸¡¸,
縹ÇÅ¡¸ ŠÏ¸ªˆÅ ‚ù¸Ä›¸ £μ¸›¸ú¹÷¸ ›¸‡ 縿ñ¸¿š¸ ñ¸›¸¸›¸½ ˆ½Å ¹¥¸‡ œÏ¹ÇÅ¡¸¸ Ÿ¸½¿ ª¾.
©¸¸‰¸¸‡¿ š¸ú£½-š¸ú£½ 總¨¸¸ ‡¨¸¿ ¹ñ¸ÇÅú ˆ½¿ÅÍ Ÿ¸½¿ ñ¸™¥¸ £ªú ª¾ Æ¡¸¸½¿¹ˆÅ ‰¸¸÷¸½
‰¸¸½¥¸›¸¸, †μ¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ‡¨¸¿ ‚›¸ºý¨¸μ¸ ù¸¾ç¸ú ‚¹š¸ˆÅ÷¸Ÿ¸ Š¸¾£-ŠÏ¸ªˆÅ
Š¸¹÷¸¹¨¸¹š¸¡¸¸¿ 縿ñ¸¿š¸ú ˆÅ¸¡¸Ä ñ¸ÁˆÅ-‚¸Á¹ûÅç¸ Ÿ¸½¿ ¹ˆÅ¡¸¸ ù¸¸ £ª¸ ª¾. ˆÅ¸£¸½ñ¸¸£
ñ¸éõ¸½÷¸£ú ˆ½Å 縿™ð¸Ä Ÿ¸½¿, ¹¨¸î¸ ¨¸ß¸Ä 2018-19 ÷¸ˆÅ ¡¸ª ‚œ¸½¹®¸÷¸ ª¾ ¹ˆÅ
3/4 總 ð¸ú ‚¹š¸ˆÅ Ç½Å¹è’ ‚¿è££¸ƒë’Š¸ ¹œ¸€£ 길ª½ ¨¸½ ¥¸¸ù¸Ä ‡¨¸¿ ¹Ÿ¸è
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縺¹¨¸š¸¸ù¸›¸ˆÅ ñ¸ÿ¹ˆ¿ÅŠ¸ 縺¹¨¸š¸¸ „œ¸¥¸ñš¸ ª¸½Š¸ú. ªŸ¸¸£¸ ‚›¡¸ „Ó½©¡¸
ˆÅŸ¸Ä길£ú ¹¨¸ˆÅ¸ç¸ Ÿ¸½¿ ¹›¸¨¸½©¸ ˆÅ£›¸¸ ð¸ú ª¾.
‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ÷¸º¥¸›¸-œ¸°¸ ˆÅ¸½ ‚¸¾£ ‚¹š¸ˆÅ 縩¸Æ÷¸ ˆÅ£›¸½ ˆ½Å ¹¥¸‡ ‚¹š¸ˆÅ
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ˆÅ¸ ÷¸£úˆÅ¸ ñ¸™¥¸ £ª¸ ª¾ ‚¸¾£ ‚¸œ¸ˆÅ¸ ñ¸ÿˆÅ ç¸ð¸ú ¹ª÷¸ š¸¸£ˆÅ¸½¿ ˆ½Å ¹¥¸‡
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 MANAGEMENT DISCUSSION AND ANALYSIS
1. Macro-economic scenario:
1.1 During the year 2017-18, global economic
environment remained favourable for driving growth.
World trade volume also recorded optimistic gains
during the year. Central Banks across the world
have worked for accommodative monetary policies
to attain price stability targets and growth. Major
economies, the US, Euro area and Japan have opted
IRU H[SDQVLRQDU\ ÀVFDO DQG PRQHWDU\ SROLFLHV WR
revive the overall growth dynamics of their respective
countries. As per the International Monetary Fund
Report (April 2018), global economic activities are
expected to pick-up by 3.9% each in 2018 and 2019.
1.2 Rebound in global economic activities was supported
by gaining consumption demand and exports in
emerging economic landscape. However, investment
VFHQDULRGLGQRWZLWQHVVDQ\VLJQLÀFDQWLPSURYHPHQW
JHQHUDWLRQLWZLOOSRVHXSVLGHULVNVWRIRRGLQÁDWLRQ
going forward.
1.6 Price scenario in the economy witnessed sharp
volatility during FY 2017-18 owing to many domestic
and global factors. On the one hand, rising crude
prices pushed the prices high, moderating food
LQÁDWLRQ LQ WKH GRPHVWLF IURQW KDV EDODQFHG WKH
upward pressure.
1.7 Indian equity markets strengthened during the year
)<  VXSSRUWHG E\ JDLQLQJ FRQÀGHQFH LQ
macroeconomic landscape and global recovery. All
the three major market indicators Sensex, Bankex
and Nifty have recorded annual growth of 11.3%,
11.4 %, and 10.7% respectively during FY 2017-18.
Market Movement during FY 2017-18
40000
35000 29974
34395

30000
during the year 2017. On the contrary, advanced 25000
28368
20000
economies have recorded sharp pick-up in industrial 15000
29910
10950
10000
activities driven by gaining investment momentum. 5000 9529
0
On aggregate basis, upturn in global growth calls

9/3/2017

11/3/2017

12/3/2017
10/3/2017

1/3/2018

2/3/2018

3/3/2018

4/3/2018
4/3/2017

5/3/2017

6/3/2017

7/3/2017

8/3/2017
for a perfect blend of consumption driven growth in
emerging economies and investment driven growth
Sensex Bankex Nifty
in advanced economies.
1.3 As per the World Economic Outlook report by 2. Bond Market performance: Yield on 10-year
International Monetary Fund, world trade volume benchmark has witnessed remarkable hardening
is projected to grow at a higher pace of 4.9% in during the year FY 2017-18 from 6.65% in April 03,
DQGLQVLJQLÀFDQWO\XSIURPLQ 2017 to 7.33% in April 03, 2018. Also, a trend of
2017, supported by growing exports from emerging narrowing of gap between short-term and long-term
markets. However, present global environment \LHOGVZDVREVHUYHGLQWKHÀUVWKDOIRIWKH)<
has been witnessing trade turbulences amongst 18, afterwards, spread between the yields widened
advanced and emerging economies. Imposition of in the second half.
import duties by the United States on major metal
imports has not only affected the terms-of trade gains Movement of short-term & long term yield
for India and China, it also hampered the currency
strengths on global platforms. 8.00
7.50
7.00
 <HDUZDVYHU\VLJQLÀFDQWIRU,QGLDQHFRQRP\ 6.50
6.00
with major tectonic shift in the form of Goods & Service 5.50
5.00
7D[*67LPSOHPHQWDWLRQ,QWKHÀUVWKDOIRI)<
10/3/2017

11/3/2017

12/3/2017

3/3/2018

4/3/2018
1/3/2018

2/3/2018
7/3/2017

8/3/2017

9/3/2017
4/3/2017

5/3/2017

6/3/2017

18, Indian economy witnessed growth constraints

arriving from low investment and weak capacity
building. In the second half, economy gradually 10 Y G- Sec 3 M T bill

gained pace supported by service driven activities

and pick-up in private consumption spending.
1.5 Union Budget FY 2017-18, was growth centric with
greater emphasis on infrastructure development and
rural income generation. Budget also focused on
increasing Minimum Support Price (MSP) of crops
to 1.5 times of its production cost. Even though
MSP rise provides a positive push to rural income
 )RUHLJQLQYHVWPHQWLQÁRZV
Driven by recovering growth and strengthening
PDUNHWVHQWLPHQWV)3,LQÁRZVZHUH`1.44 lakh crore
GXULQJ )<  VLJQLÀFDQWO\ XS IURP `48,500
crore in FY 2016-17. Revival in foreign investment
also resulted in appreciation in rupee from 67.0/ USD
in end March 2017 to 64.9/USD in March 2018.

Annual Report 2017-2018 65

4. Liquidity scenario: Liquidity conditions witnessed  'LYHUVLÀHGGHSRVLWSRUWIROLR
VKDUS YRODWLOLWLHV GXULQJ )<  ZLWK ÀUVW WKUHH
Table 1 : Composition of Deposits
TXDUWHUVRIGHÀFLWDQGODVWRQHTXDUWHUZLWKVXUSOXV (`crore)
RBI injected and absorbed liquidity as per the marker Parameter As of March As of March $QQXDO*URZWK
requirements so as to bring the system level neutrality 31st , 2018 31st , 2017 Absolute (%)
in the economy.
Total Deposits 408502 378392 30110 8.0
5. RBI’s policy decisions: During FY 2017-18, RBI CASA Deposits 139241 130308 8933 6.9
continued with its neutral stance of monetary policy Savings 114183 104072 10111 9.7
and price stability target at 4%. RBI has reduced repo Current 25058 26236 -1178 (-) 4.5
rate by 25 bps during FY 2017-18. Many factors have
 Bank strived to maximize its CASA deposits to lower
collectively driven towards maintaining policy rates
cost of funds. CASA deposits as on March 31, 2018
DWOLNHYRODWLOHLQÁDWLRQUDQJLQJEHWZHHQ
were `1,39,241 crore of which current account
in Feb 2018 and 2.2% in July 2017), hardening g-sec
\LHOG H[SDQVLRQDU\ ÀVFDO SROLFLHV DQG H[SHFWHG amounted to `25,058 crore and savings amounted
pick-up in agricultural output. Union Budget FY `1,14,183 crore. CASA deposits grew at a rate of 6.9%
2018-19 targets for MSP rise and on-going increase on y-o-y basis. Within CASA, savings deposits grew
in crude price collectively weighted on price outlook. at 9.7% on y-o-y basis.
Nevertheless, normalizing second round impact of 7.2.1 Bank has taken pro-active steps to improve
+5$RQLQÁDWLRQIDFLOLWDWHG5%,WRFRQWLQXHZLWKVDPH customer services by introducing additional features
interest rate. for cheque security. This includes random alpha
6. Banking environment: QXPHULFÀYHGLJLWQXPEHUIRUHDFKFKHTXHOHDIDQG
feeds the same number in the server also, which
6.1 Banking industry continued with structural reforms helps in tracking the duplicacy and prevents frauds.
and headwinds of asset quality challenges. On-
set of new tax regime also had a greater impact 7.2.2 Bank has also introduced online locker application
on banking business. While short-term adjustment facility available on Bank’s website for both
to GST impacted the business growth, bringing customers and non-customers. This is intended to
small entrepreneurs under tax net added to greater LQFUHDVHWKHVHUYLFHHIÀFLHQF\WKURXJKGLJLWDOPRGH
transparency and database building for these units. 8. Credit Management:
6.2 Along with on-going asset quality challenges, 7DEOH&ODVVLÀFDWLRQRI$GYDQFHV
banking industry was put in the clutches of severe (`crore)
compliance inconsistencies. Nevertheless, banks Parameter As of March As of March $QQXDO*URZWK
KDYHDZHOOGHÀQHGULVNPDQDJHPHQWPHFKDQLVPLQ 31st , 2018 31st , 2017
Absolute (%)
place to cushion the system from various operational Gross Advances 313860 301684 12176 4.0
risks. Government’s infusion of capital to address Domestic 288336 272238 16098 5.9
pro-longed capital constraints have helped banks in Global 25524 29446 -3922 -13.3
meeting their minimum capital requirements under RAM sectors 158642 146417 12225 8.3
Basel III. Retail 49446 40380 9066 22.5
6.3 Despite the on-going structural and functional Agri 45825 44124 1701 3.9
challenges, banking industry continues to outperform MSME 63371 61913 1458 2.4
in serving its prime duty, i.e lending. Credit growth RAM share to 55.0 53.8 120 bps
recovered in the Q4 FY 2017-18 supported by Domestic
Advances (%)
regaining investment sentiments and demand.
Going-forward, credit demand is expected to move Bank’s credit outstanding as of March 31, 2018
in upward trajectory with re-balancing assets and was `3.14 lakh crore, up from `3.02 lakh crore as of
capital challenges. same period previous, Reviving credit demand and
strengthening macro-fundamentals supported the
7. Resource management:
overall credit-growth.
7.1 Deposits:
8.1 Retail:
7.1.1 Bank has achieved milestone in having deposits of 8.1.1 Bank has continued to focus on capital light RAM
`4.08 lakh crore, up by 8.0% from previous year. sector with its share gradually increasing to 55.0%
7.1.2 CASA share in total deposit stood at 34.1% as on as on March 31, 2018 from 53.8% as on March 31,
March 31, 2018. 2017.

66 Annual Report 2017-2018

 Bank’s emphasis on retail lending has improved 8.3.4 Bank has initiated Union Trade GST, to provide
VLJQLÀFDQWO\GXULQJWKH\HDUZLWKVKDUHRIUHWDLOORDQ ÀQDQFLDOVXSSRUWWRHQWUHSUHQHXUVÀOLQJ*67UHWXUQV
in domestic advances increasing to 17.2% in FY
2017-18 from 14.8% in FY 2016-17.
8.1.2 Bank has introduced special retail lending scheme
for government employees which provides retail
loans to government employees at zero processing
charges and lower interest rates. 8.3.5 In the crucial times of GST implementation, Bank
8.1.3 %DQN KDV LQWURGXFHG ÁH[LEOH PDUJLQ SD\PHQW SODQ
under Union Home loan for attracting big ticket size
borrowers to widen the retail credit base.
8.2 Agriculture:
8.2.1 Agricultural advances (excluding RIDF) as of March
31, 2018 were `45,825 crore against `44,124 crore as
of March 31, 2017 noting growth of 3.9%. Advances
to small and marginal farmers were `27,235 crore
as of March 31, 2018. Bank has maintained surplus 8.3.6 ([LVWLQJ8QLRQ+LJKSULGHVFKHPHKDVEHHQPRGLÀHG
target of 9.7% of ANBC, against 8% for lending to
small and marginal farmers. Also, a total of `22,041
crore disbursements were made under special
agriculture credit plan (SACP).
8.2.2 Bank has been pro-active in delivering credit services 8.4 Catering to large investments & Corporate Credit:
to farmers, accordingly, total 1.69 lakh new farmers
 <RXU%DQNKDVPDGHVLJQLÀFDQWHIIRUWVWRVWUHQJWKHQ
ZHUHDGGHGWREDQNLQJIDFLOLWLHVGXULQJWKHÀQDQFLDO
year 2017-18. Also, Bank has issued 1.75 lakh Kisan
Credit Cards during the year with credit facility of
`2,674 crore.
8.3 Micro, Small & Medium Enterprises (MSME):
Table 3: Breakup of MSME Portfolio
(`crore)
Parameters As of March As of March $QQXDO*URZWK
31st , 2018 31st, 2017
Absolute (%)
Micro Enterprises 20071 19411 660 3.4
Small Enterprises 28116 27739 377 1.4
Medium Enterprises 15185 14763 422 2.9
MSME Advances 63371 61913 1458 2.4
8.3.1 MSME advances amounted to `63,371 crore as of
March 31, 2018 up by 2.4% from `61,913 crore in
March 31, 2017. Micro, small and medium sectors
grew by 3.4%, 1.4% and 2.9% respectively on y-o-y
basis.
8.3.2 Being pro-active in implementing government
schemes, Bank has achieved 88% of its targets in
MUDRA loan disbursement and extended `61.3
crore in stand-up India scheme.
8.3.3 Under Light Commercial Vehicle scheme, Bank has
disbursed `1,098 crore.
with in-built hassle free assessment based on GST
returns. This scheme included all MSME units
engaged in trading/services/manufacturing activities.
This scheme provided working capital limit of `2.0
crore and attractive rate of interest.
has launched Union GST Input credit to mitigate
WKH WHPSRUDU\ PLVPDWFKHV RI FDVK ÁRZ 8QGHU WKLV
scheme, facility of temporary working capital limit
based on input tax credit on purchases was provided
to business enterprises. Under this scheme, all fund
based working capital borrowers were eligible to
receive adhoc upto 20% of the existing fund based
exposure or 80% of the input tax claim whichever is
lower, for a period of 6 months.
to tap the potential business in Mid-sized sectors.
Also Dealer Finance scheme has been revamped
IRULQFUHDVHGH[SRVXUHRI%DQNLQ&KDQQHOÀQDQFLQJ
portfolio.
its corporate credit portfolio by re-designing business
models for Industrial Finance Branches. Under
this, Bank has appointed specialized relationship
managers for catering the needs of corporate on one-
to-one basis. Also, this model will help in generating
fund based, non-fund based and third party products
business from large corporates.
Bank has devised road map for corporate credit with
greater emphasis on increasing fee based income,
lending to high rated borrowers, and prudent lending
approach.
8.5 Priority Sector Advances:
Your Bank’s credit decisions remained in line with
government’s aim of maximizing banking outreach
to priority sector. Outstanding credit to priority sector
stood at `1,33,922 crore as of March 31, 2018 and
registered a growth of 19.9% over same period
previous year. Priority sector advances constituted
47.8% of the adjusted net Bank credit (ANBC),
against the stipulated target of 40.0%.
Bank has continued to keep its focus on social
development and equal opportunities for all segments
of the society, accordingly Bank extended credit
facilities to various weak and unserved sections of
WKHVRFLHW\VSHFLÀFDOO\ZRPHQPLQRULW\FRPPXQLW\
and self help group. Bank has also emphasized

Annual Report 2017-2018 67

 on mitigating the unemployment problem among  %DQNKDVEHHQNHHQRQÀQDQFLQJWRZHDNHUVHFWLRQ
the rural youth and established 14 Rural Self Accordingly, Bank has made a tie up arrangement
Employment Training Institute RSETIs in districts with National Scheduled castes Finance and
where the Bank has lead bank responsibility. 'HYHORSPHQW&RUSRUDWLRQXQGHUZKLFKUHÀQDQFHRI
`128.81 crore have been availed in various schemes.
Table 4: Priority Sector Advances
(`crore) Bank has continued to extend its services under
RBI Pradhan Mantri Fasal Beema Yojana (PMFBY) for the
As of March As of March Y-o-Y % to benchmark EHQHÀWRIIDUPHUVIDFLQJFOLPDWLFDGYHUVLWLHV8QGHU
Particulars
31st, 2018 31st, 2017 (%) ANBC March
2018 (%)
this, sharecroppers and tenant farmers were also
Priority
covered within the insurance net.
Sector Credit 133922 111674 19.9 47.8 40 9. Financial Inclusion, achieving social goals:
Agriculture
Sector* 52148 50773 2.7 18.6 18 Table 5: Financial inclusion goals achieved
Small and Particulars As of March As of March (%)
Marginal 31st, 2018 31st, 2017 JURZWK
Farmers 27235 24137 12.8 9.7 8.0 Total Accounts 86.22 68.06 26.68
Credit to (In Lakh)
Weaker Balance 193064 135384 42.6
Sections 36430 33003 10.4 13.0 - (In Lakh)
Credit to Women Aadhaar Seeded 69.26 44.53 55.52
%HQHÀFLDULHV 19022 17635 7.9 6.8 Accounts (In Lakh)
* Advances to agriculture sector includes outstanding under rural infrastructure % of Aadhaar Seeded 80.33 65.43 22.76
development RIDF& PTC as per RBI guidelines on Priority sector lending. accounts
Your Bank sponsors Kashi Gomti Samyut Gramin Mobile Seeding-Accounts 45.85 33.98 34.96
Bank (KGSGB), Varanasi. It has network of 459 CBS (In Lakh)
Branches, spread over 8 districts of Eastern U.P. % of Mobile Seeded 53.18 49.92 6.53
accounts
namely, Varanasi, Azamgarh, Jaunpur, Ghazipur,
APY Enrolments (In Lakh) 3.15 1.80 75.47
Chandauli, Mau, Bhadohi and Ambedkar Nagar.
No of Financial Literacy
5328 4118 29.38
Your Bank sponsored RRB has done excellent job in Camps
delivering credit to rural segment of the society with 1RRIEHQHÀFLDULHVLQWKH
215820 106849 101.9
credit outstanding of `3,259.77 crore up by 10.19 % camps
from previous year. Of the total advances, 80.25% 9.1 Your Bank has played a pivotal role in implementation
was under priority sector. Deposit of the KGSGB of government programmes and taken a number
stood at `11,182.65 crore with 62.20% as CASA of initiaWLYHV WR IXOÀOO WKH VDPH 'XULQJ )< 
deposits. Bank has opened Aadhaar Enrolment Centre in 255
As a RRB, KGSGB has made steep success Branches across India and also propose to open
in adopting technological platforms. During additional 429 Branches.
FY 2017-18, 43 ATMs have been installed, including
9.2 Your Bank has opened 30 Financial Literacy
a talking ATM. RRB has introduced ATM enabled
Centres in all 14 Lead Districts along with few Non
.&&IRUWKHEHQHÀWRIIDUPHUV57*61()7VHUYLFH
Lead Districts. A total of 5,328 village camps were
and Digital Authority Cheque system have also been
RUJDQL]HG WR FUHDWH DZDUHQHVV DERXW ÀQDQFLDO 
introduced to facilitate faster service delivery. At
present, SMS alert for regular transactions and SMS digital literacy services amongst customers. Bank
banking facility are being provided to the customers has made a milestone in bringing 54,833 persons
by our RRB. to banking fold by opening their accounts and
facilitating them with credit services.
Bank has launched new agri cluster scheme in
21 regions to scale up the clusters in agriculture 9.3 Bank has conducted total 1044 digitized camps
potential districts for increasing the advances under within which 230 were conducted at Rural Branches
agriculture. These clusters are headed by area DQG  ZHUH FRQGXFWHG DW ÀQDQFLDO LQFOXVLRQ
managers and have been performing satisfactorily. centres.

68 Annual Report 2017-2018

10. International Banking: 12. Treasury operations:
Table 6: Overseas Operations 12.1 The treasury division handles domestic treasury
(Amount in US $ million) RSHUDWLRQV IRUH[ RSHUDWLRQV À[HG LQFRPH
*URZWK<R<
derivatives products, equity and other alternate asset
As of March As of March
Particulars
31st, 2018 31st, 2017
classes. Treasury is equipped with the state-of-the-
Absolute (%)
art dealing room with all facilities to extend all types
Overseas 813 1020 -207 -20.3 of treasury services to its clients spread across the
Deposits
country and keep pace with latest developments
Overseas 3913 4555 -642 -14.1
Advances LQ WKH PDUNHWV $ ERXTXHW RI ÀQDQFLDO SURGXFWV LV
Total Overseas 4726 5575 -849 -15.2 offered to the Bank’s clients like forwards, options,
Business interest rate swaps and currency swaps facilitated by
advanced technology platforms.
10.1 Overseas advances of the Bank declined by 14.1
per cent during FY 2017-18. This has been due to 12.2 The Bank offers customized solutions using products
RBI directive to withdraw Letter of Comfort (LOC) viz. Interest Rate Swaps (IRS), Currency Swaps,
and Letter of Understanding (LOU) in international Interest Rate Futures, Forwards and Options to
operations. Your Bank remained stringent on cater to the Interest Rate and Foreign Exchange risk
maintaining its operational risks in global markets mitigation requirements of its corporate clients. The
and lowered its exposure in overseas operations proprietary trading desk was active in encashing the
available arbitrage and booking trading gains.
10.2 Export credit stood lower at `9,895 crore as on March
31, 2018 compared to `10,047 crore as on March 13. Wealth management:
31, 2017. The Bank’s NRI deposits stood at `19,072 Table 8: Income from third party business
crore as on March 31, 2018 compared to `18,222 during FY 2017-18 (`crore)
crore as on March 31, 2017.
Business Parameter FY 2017-18 FY 2016-17 % YoY
11. Asset quality: *URZWK

11.1 Your Bank continued to make sincere efforts to Life Insurance 71.33 58.67 21.58
manage asset quality. Non Life Insurance 9.37 6.36 47.3
11.2 With implementation of Insolvency and bankruptcy Mutual Fund 19.31 8.36 130.98
code, resolution processes have taken a speed-
Health Insurance 8.49 4.43 91.65
turn during the year. This has not only helped Banks
to solve their existing bad asset problems, but Total Income 108.50 77.82 26.14
also emphasized on building stringent monitoring Bank has launched various new products during FY 2017-
mechanism. 18, including, Union Mahila Suraksha (in association
Table 7: Movement of NPA
with Bajaj Allianz General Insurance Co Ltd), Union
Cancer Care (in association with Cholamandalam MS
(`crore) General Insurance Co Ltd) and Union Health Suraksha (in
Particulars FY 2017-18 FY 2016-17 association with Religare Health Insurance Co Ltd).
Gross NPAs (Opening) 33712 24171 14. Human Resource Management:
Additions 21369 13244 14.1 Your Bank remained keen on enhancing skills in its
Less, Reductions 5711 3703 workforce with innovative training and employee
engagement programmes. With this objective,
(I) Upgradation 400 1051
during FY 2017-18, training system conducted 956
(II) Recoveries 1835 1388
Calendar Programs, 87 locational Programs and 42
(III) Write-off 3477 1264 Workshops covering 28,172 staff members. Apart
Gross NPAs (Closing) 49370 33712 IURP WKLV  RIÀFLDOV ZHUH DOVR LPSDUWHG WUDLQLQJ
Net NPAs 24326 18833
at reputed external Institutes. As banking industry
withstands the headwinds of asset quality and other
11.3 Your Bank remained pro-active in implementing systematic challenges, Bank has planned training
resolution plans under NCLT. Bank has total exposure programmes that helped employees deal with
of `12,134 crore in accounts referred to NCLT, under the tough times. Bank also organized program for
which, `7,650 crore has been provided for, leading to $XWKRUL]HG2IÀFHUVXQGHU6$5)$(6,$DQGFRQGXFWHG
Provision Coverage Ratio of 63.0% in such accounts. Advanced Program on Recovery Management.

Annual Report 2017-2018 69

 Table 9: Category of Employees Table 11: ATMs and e-lobbies
Year 2IÀFHUV Clerks Sub-staff Total (Number)
Male Female Male Female Male Female Male Female Channels As of March As of March *URZWK
31st, 2018 31st, 2017 (YoY)
2016-17 15389 4628 8642 3228 4284 706 28315 8562
ATM 7642 7518 1.65
2017-18 16215 5019 8716 3267 3734 636 28665 8922
PoS Terminals 56700 51891 9.27
14.2 With an aim to provide an overview of banking e-lobby 201 151 33.11
industry to new entrants, Bank has organized Cashless Campus 152 91 67.03
Induction Training Program for all the newly recruited
Cheque Deposit Machine 574 370 55.14
POs, RDOs and Clerks. Bank also conducted
,QGXFWLRQ 3URJUDPV IRU FRUH VSHFLDOLVW RIÀFHUV OLNH Bank has performed well in achieving its digital-inclusion
+5RIÀFHUV/DZRIÀFHUV,7RIÀFHUVRIÀFLDOODQJXDJH goals. With emergence of new technology and changing
RIÀFHUV 0DUNHWLQJ 2IÀFHUV DQG )RUH[ 2IÀFHUV LQ banking needs, your Bank adopted various measures to
renewed manner covering General Banking as well outperform in the digital drive. Digital banking user base
DV'RPDLQVSHFLÀFLQSXWV RI WKH %DQN KDV LQFUHDVHG VLJQLÀFDQWO\ E\  GXULQJ
14.3 ,QRUGHUWRHQVXUHHIÀFLHQWWUDQVPLVVLRQRINQRZOHGJH FY 2017-18.
and experience, Bank has introduced a new training Your Bank has been keen on extending its digital network;
programme, Union Bhavishya. This programme accordingly, e-lobby presence has increased by 33%
deals with inculcating appropriate skills in capacity during FY 2017-18.
building and knowledge transfer in senior and 0HDVXUHVWRHQKDQFH'LJLWDO1HWZRUN
PLGGOHOHYHORIÀFHUV7KLVSURJDPPHLVPDLQO\DLPHG
at enhancing functional and leadership skills to make Table 12: Cashless transactions outreach
them ‘future ready’. Starting in August 2017, Union (Number)
Bhavishya had 1,030 participants, who have gone Products As of March As of March *URZWK
through a personal development journey. These 31st, 2018 31st, 2017 (YoY)
participants are now on the path to prove their mettle (in lakhs) (in lakhs)
through on-job projects which are closely linked to Debit Cards 356.00 309.00 15.21
the transformational objectives of the Bank. Credit Cards 2.18 1.80 21.11
14.4 Along with various training programmes, Bank also IRCTC Card 0.25 0.21 18.35
conducts a fortnightly quiz ‘Union Gyan Kasauti’ that Prepaid Card 0.06 0.05 8.63
included various topics relating to Bank’s internal Internet Banking Users 18.18 15.31 18.75
operations. This quiz contest also includes monetary SMS Banking Users 250.00 220.00 13.64
prizes for winner which incentivizes participation. Mobile Banking Users 20.46 11.34 80.42
Gyan Kasauti not only helps in knowledge UPI 3.54 1.96 80.61
improvement, it also showcases the enthusiasm of
BHIM AADHAAR 4701 0.0 -
participants in learning and uprgading.
16.1 Bharat Bill Payment System (BBPS) functions
14.5 Your Bank remains committed in delivering its best to
with a single brand image providing convenience
the customers, accordingly, it prepares its employees
of “anytime anywhere” bill payment to customers.
to perform best in their respective areas.
It is a single bill payment platform which covers
 %UDQFKQHWZRUN repetitive payments for everyday utility services such
as electricity, water, gas, telephone and direct-to-
Your Bank has been pro-active in expanding
home (DTH) television service. This facility has been
its presence to unserved areas of the country.
integrated under Bill Presentment module in Internet
Accordingly, Bank has added 25 new branches
Banking.
during the year, of which 9 were in unbanked rural
and semi urban centres of the country. 16.2 Bank has launched Union Sahyog Application with
an aim to simplify the procedure for disseminating
7DEOH&RPSRVLWLRQRI%UDQFK1HWZRUN
information about the organization and to provide
Particulars Rural Semi Urban Metro Overseas Total a single interface across all mobile and web based
Urban payment channels.
No of 1252 1288 851 906 4 4301
16.3 To spread digital banking awareness in rural area
Branches
in an effective manner, your Bank adopted villages
Branches (%) 29 30 20 21 -- 100 LQ HDFK OHDG GLVWULFW $FFRUGLQJO\ LW LGHQWLÀHG 

70 Annual Report 2017-2018

 villages which were named as “Union DigiGaon”
by providing Bank’s digital channels of payment
and merchants acquiring transactions, spreading
awareness, and campaigning at each village.
16.4 Your Bank is one of the early PSU Bank to introduce
biometric authentication of ATM transactions.
3UHVHQWO\$70VKDYHDOUHDG\EHHQFRQÀJXUHG
for biometric authentication across India for our card
holders. This enables our ATMs with additional
RSWLRQ RI DXWKHQWLFDWLRQ E\ ÀQJHU SULQW RI WKH FDUG
holders whose Aadhaar number has been seeded in
their Bank Account.
16.5 Bank has introduced debit card control functionality in
its U mobile application which enables the customer
to block or unblock debit card and set spending limit.
7KLVIDFLOLW\QRWRQO\HQKDQFHVFXVWRPHUFRQÀGHQFH
by exposing them to real time control over their card
transaction but also introduce them to a new range
of security level.
16.6 Bank launched Visa Paywave Debit Card for all the
customers irrespective of their Avg. Quarterly Balance.
The Visa Paywave Debit Cards are based on the
Near Field Communication (NFC) technology, which
provides customers with improved convenience
RI VSHHG DV WKHVH FDUGV UHTXLUH VLJQLÀFDQWO\ OHVV
time than the existing Magnetic Strip/EMV cards to
complete a transaction.
17. Technological Upgradation:
17.1 Your Bank has always been keen on developing IT
infrastructure for simplifying banking for customers.
Bank is also working for enhancing its information
security modules along with implementation of
customer-friendly technology.
Bank has moved one step ahead in leveraging its
technology for customer service excellence:
17.2 2QSUHPLVH SULYDWH FORXG IRU HIÀFLHQW UHVRXUFH
utilization
17.3 In-house Cyber Security Operation Centre (C-SOC)
to strengthen cyber security
17.4 )DFLOLWDWLQJ ÀHOG IXQFWLRQDULHV ZLWK 2SHUDWLRQDO
Customer Relationship management
17.5 Expansion of Financial inclusion Initiatives through
e-KYC
17.6 OTP based account opening and Aadhaar Pay
Bank has also adopted new technology for internal
process optimization by:
17.7 Expansion of centralized account opening under
Document Management System.
17.8 Digitization of loan proposal
Annual Report 2017-2018
17.9 (.<& VROXWLRQ IRU .<& YHULÀFDWLRQ ZLWK HQKDQFHG
security, authenticity, credibility & digitization of
processes.
17.10 Core banking application upgradation to latest
version that supports required APIs for digital
payment eco-system
17.11 Development of integrated mobile app and
deployment of Enterprise Fraud Risk Management
Solution.
Utilisation of data analytics for better decision
making:
17.12 Bank has developed Customer Relationship
Management (CRM) application with integrated
service request management and sales management;
this application also facilitates decisions through
customer segmentation, fraud detection, and
portfolio management.
17.13 Bank has also made retail tie-ups with Future Group,
Shoppers Stop, Patanjali, Aditya Birla Group/Make
My Trip to increase the usage of digital channels.
17.14 Bank is also working on launching new products like
instant debit card issuance, national electronic toll
collection etc.
18. Risk management for business continuity:
Your Bank has always been pro-active in managing
systematic risks whether it be market, operational or
credit. On organizational level, Bank has Supervisory
Committee of Board on Risk Management and Asset
Liability Management (SCR & ALM) at the apex
level supported by operational level committees
of top executives for managing various risks. The
supervisory committee looks after the implementation
of the risk strategy and policies, reviews the level
and direction of risk, prudential ceilings, portfolio
GLYHUVLÀFDWLRQDQGPRQLWRUVWKHULVNUHSRUWLQJ
18.1 Credit Risk management:
Credit Risk Management Committee (CRMC):
CRMC oversees the credit risk function in the Bank.
In line with its asset quality management objective,
Bank strives to maintain a strong asset quality
through disciplined credit risk management. Bank
KDV ZHOOGHÀQHG FUHGLW DSSUDLVDO PHFKDQLVP DQG
ULVNDVVHVVPHQWSUDFWLFHVLQSODFHIRULGHQWLÀFDWLRQ
measurement and monitoring. Bank has various
instruments for credit risk management, which
includes Credit risk management policies, Credit
Approval Committee, Prudential Exposures Limits,
Risk Rating System, Risk based pricing and Portfolio
Management.
 %DQN KDV ZHOOGHÀQHG DQG FRPSUHKHQVLYH LQWHUQDO
rating models for retail and corporate Credit Risk
71
 Assessment. Also, Bank has set-up a centralized
UDWLQJ SRRO DW &HQWUDO 2IÀFH WR LPSURYH WKH
rating quality, create a robust rating database for
better administration of rating models. For better
management of risk assessment, Centralized rating
SRRO LV JLYHQ WKH ÀQDO UHVSRQVLELOLW\ RI YDOLGDWLRQ RI
credit rating of the corporate borrowers whose rating
process was initiated at the branch level.
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process for all advances. It adopts a Committee
Approach for credit sanctions and has Credit
Approval Committees at various levels.
18.2 Market Risk Management:
Asset Liability Committee (ALCO): ALCO puts in
place Asset Liability Management Policy, Treasury
Policy and Market Risk Policy to mitigate market
risk in the banking and trading books. The ALCO
meets regularly to review the size, mix, tenor and
composition of various assets and liabilities. ALCO
also decides on the pricing of Assets and Liabilities.
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monitoring and management of liquidity and interest
rate risk. By managing market risk, Bank ensures
proactive liquidity management, stress scenarios
and also contingency funding for the Bank.
Liquidity management strategies: The Bank has
adopted the liquidity risk management guidelines
issued by RBI pursuant to the Basel III framework
on liquidity standards. These include the intraday
liquidity management and the Liquidity Coverage
Ratio (LCR). The liquidity ratios are computed on a
quarterly basis and monitoring and management of
liquidity is proactively done.
Shift in risk computation methodologies:
Currently, market risk capital is computed under the
Standardised Measurement Method (SMM). Bank
is in the process to migrate to the Internal Models
Approach (IMA) under the Advanced Approaches for
market risk for better evaluation and computation of
market risk.
18.3 Operational Risk Management:
In the present scenario of Banking, role of operational
risk management has gained prime importance.
Your Bank has comprehensive procedures, internal
control system and audit mechanism for managing
Operational risk. The bank has a board approved
Operational Risk Management Policy based on
Reserve Bank of India Guidelines. All new products
introduced by the bank pass through a New Product
Approval Process to identify and address operational
risk issues.
72 Annual Report 2017-2018
Your Bank has compiled data relating to operational
losses incurred during the last twelve years and
analyzed for taking corrective measures so that
these losses do not recur. Process has also been
put in place to conduct Risk and Control Self-
Assessment (RCSA) for assessing the residual risks
in the processes of the various products.
Shift in risk computation methodologies: Currently
Bank is following the Basic Indicator Approach
for capital computation under Operational Risk,
Bank has now received the approval from RBI for
adoption of “The Standardized Approach (TSA)” for
Operational Risk on parallel run basis.
Bank is in the process to implement a capital
calculation solution for Operational Risk which is
meeting the Advanced Measurement Approach
(AMA) requirements. Under AMA guidelines, the
capital requirement is estimated on the basis of four
essential elements viz., Internal Loss Data, External
Loss Data, Business Environment and Internal
Control Factors (BEICFs) and Scenario Analysis.
18.4 Group Risk Management:
The bank through its Group Risk Management Policy,
aims to achieve a group-wide approach to ensure
that key aspects of risk that have a group-wide
impact are considered in its conduct of business.
Accordingly, Bank has put in place a framework for
assessment of risks in its Group entities, internal
controls & mitigation measures, capital assessment,
under normal and stressed conditions.
18.5 Fraud Risk Management:
The Bank has a Board approved Fraud Risk
Management Policy in place. Bank has internal Fraud
Review Council to examine all the cases of frauds
attempted and suggests implementable action plan
for keeping in place strong systems and procedures.
Apart from reporting all the frauds cases of `1.00 lakh
and above to the Board, the Bank also reports all
the fraud cases of `1 crore and above to the Special
Committee on monitoring of fraud of the 1 crore
and above. Bank is in the process to implement
Enterprise-wide Fraud Risk Management solution
for ensuring 360 degree view of suspicious and
fraudulent transactions. Bank also aims to ensure
detection of frauds in early stages itself.
19. Compliance:
In the current environment, compliance is gaining
prime importance. As your Bank is an integral part
of the banking system, It has a well-established
compliance structure. Compliance Department is an
independent vertical with a well laid structure & headed
 by a General Manager who is the Chief Compliance
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the assistance of the functional departments. Bank
has a structured reporting mechanism under which
each layer of the organization performs its compliance
responsibilities. Also, Bank’s Regulatory statutory
and fair practice codes of conduct functions are well
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organisations, Government policies, Bank’s internal
policies and Prevention of Money Laundering Act.
20. Audit:
20.1 Your Bank has been making efforts to strengthen
its internal audit mechanism of risk based audit,
concurrent audit, management audit and information
security audit. Your Bank has emphasized upon
strengthening its internal policies further. Accordingly,
Board of the Bank has reviewed its audit policies.
20.2 During FY 2017-18, Your Bank has completed audit
in 3880 branches against the planned number of
3778.
20.3 During FY 2017-18, no branch was rated as
“Extremely High Risk” and “Very High Risk”. Also,
number of “High Risk” branches reduced.
20.4 Bank has improved the Offsite Monitoring System at
both Central and Regional level with implementation
of newly developed software.
20.5 Bank is in the process to implement Web Based
Audit Management Solution (WBAMS) Risk Based
Internal Audit, Management Audit, Concurrent Audit,
Information System Audit, Audit of Currency Chest
and Service Branches from FY 2018-19.
21. Vigilance:
21.1 Prime role of vigilance lies in nurturing a sense of
alertness and awareness for careful compliance with
system and procedures in the daily functioning of the
Bank.
21.2 Your Bank has a well structured vigilance
administration which covers all areas of operations
and also is in line with the mandates of the Central
Vigilance Commission.
21.3 By keeping one step forward in vigilance awareness,
Bank conducted Preventive Vigilance visits to
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functionaries were guided by necessary awareness
of procedures and pitfalls arising out of non-
compliance with regulations.
Annual Report 2017-2018
21.4 Bank has collaborated technology with transparency
by migrating most of the vigilance functions to online
portal.
22. Outlook:
In recent years banking sector has witnessed a
series of structural and regulatory changes aimed at
making the sector more resilient, sound and healthy.
Besides some banks have also been investing for
creating enablers for future growth while diligently
responding to challenges facing the banking &
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approach and thus focused on multiple initiatives for
building sustainable growth capabilities. As short-
term issues settle down, such initiatives will provide
your Bank a winning edge in coming years.
Your Bank believes that continuous enhancement in
customer service, improvement in risk management
architecture, deepening compliance culture and
employee development are key tenets for a quality
growth. Towards this, the Bank will futher its efforts
during the year 2018-19. A proactice customer
acquisition strategy is underway for building new
relationship while deepening cross-sell and up-
sell for existing customers. Branches are gradually
turning into service and sales outlet as most of non-
customer facing activities are being moved to back-
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monitoring. More than 3/4th of credit underwriting in
terms of volume of business is expected to move to
centralised processing hubs by 2018-19, be it large
& mid corporate, MSME, Retail or even agriculture
loans. In fact, our pilot hub-and-spoke model for
rural and semi-urban centres has shown early
encouraging results and their scale-up will be done
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monitoring of credit right from beginning using
analytical tools and initiating corrective measures
at stage of early warning signals shall improve
quality of loan book. Your Bank is quite ahead in
digital banking; nonetheless digital will cut across
horizontally for all our initiatives providing cost
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for our customers and employees alike. Investing in
employee development will be yet another objective.
Your Bank is entering the new year with lot of hopes
and energy for further strengthening the balance
sheet. The way of doing business is changing for
good and your Bank will continue to create value for
all stakeholders.
73
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5. 22.06.2017 10 8 è¸Á. ˆ½Å. £Ÿ¸½©¸, ‚¿©¸ˆÅ¸¹¥¸ˆÅ Š¸¾£-縣ˆÅ¸£ú ¹›¸™½©¸ˆÅ 21 21
6. 29.06.2017 10 8 è¸Á. Ÿ¸™º£¸ 稸¸Ÿ¸ú›¸¸˜¸›¸, ‚¿©¸ˆÅ¸¹¥¸ˆÅ Š¸¾£-縣ˆÅ¸£ú ¹›¸™½©¸ˆÅ 7 6
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縹Ÿ¸¹÷¸¡¸¸¿ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ªÿ - 5.1.2 ˆÅ¸¡¸Ä :
1. ñ¸¸½èÄ ˆÅú œÏñ¸¿š¸›¸ 縹Ÿ¸¹÷¸ (‡Ÿ¸ç¸úñ¸ú)
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5. ñ¸¸½èÄ ˆÅú ¨¸ç¸Þ¥¸ú œÏñ¸¿š¸›¸ 縹Ÿ¸¹÷¸ (‚¸£‡Ÿ¸ç¸úñ¸ú)
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7. ¹›¸™½©¸ˆÅ¸½¿ ˆÅú Ÿ¸¸›¸¨¸ 縿縸š¸›¸ „œ¸-縹Ÿ¸¹÷¸ (‡ê¸‚¸£‡ç¸ç¸úñ¸ú) ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸, ñ¸¸½èÄ ˆÅú œÏñ¸¿š¸›¸ 縹Ÿ¸¹÷¸ ˆÅú 24 ñ¸¾¶ˆ½¿Å ‚¸¡¸¸½¹ù¸÷¸
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5.1.1 縿‹¸’›¸ :
5.2 ñ¸¸½èÄ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ 縹Ÿ¸¹÷¸ (‡ç¸úñ¸ú)
£¸ß’ïú¡¸ˆÅ¼÷¸ ñ¸ÿˆÅ (œÏñ¸¿š¸›¸ ‡¨¸¿ ¹¨¸¹¨¸š¸ œÏ¸¨¸š¸¸›¸) ¡¸¸½ù¸›¸¸,1970 ˆ½Å ‰¸¿è
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31.03.2018 ˆÅ¸½ ¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ 縙硸 ©¸¸¹Ÿ¸¥¸ ª¾: - ñ¸¸½èÄ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ 縹Ÿ¸¹÷¸ (‡ç¸úñ¸ú) 𸸣÷¸ú¡¸ ¹£ù¸ö¨¸Ä ñ¸ÿˆÅ ‡¨¸¿ ¹¨¸î¸
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‚›¡¸ 縙硸
5.5.1 縿‹¸’›¸ :
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縹Ÿ¸¹÷¸ ˆÅ¸ 縿Š¸¶›¸ ƒç¸ œÏˆÅ¸£ ª¾: 5.6.2 ˆÅ¸¡¸Ä:

‡ œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½ 縹Ÿ¸¹÷¸ ¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ ˆÅ¸¡¸Ä ˆÅ£ £ªú ª¾:
i. 總¨¸¸‚¸½¿ ˆÅú Š¸ºμ¸¨¸î¸¸ Ÿ¸½¿ 縺š¸¸£ ˆ½Å ¹¥¸‡ 縺常¨¸ ™½›¸¸.
‡ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅŠ¸μ¸
ii. Ÿ¸¸¾ù¸Þ™¸ ›¸ú¹÷¸¡¸¸½¿ ‡¨¸¿ ˆÅ¸¡¸Äœ¸Ö¹÷¸¡¸¸½¿ ˆÅ¸½ ¡¸º¹Æ÷¸¡¸ºÆ÷¸ ñ¸›¸¸›¸¸ ÷¸˜¸¸
‡ 𸸣÷¸ 縣ˆÅ¸£ ׸£¸ ›¸¸¹Ÿ¸÷¸ ¹›¸™½©¸ˆÅ 縣¥¸úˆÅ£μ¸ ˆÅú ´þß’ 總 „›¸ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú 縟¸ú®¸¸ ˆÅ£›¸¸
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5.5.2 ˆÅ¸¡¸Ä : iii. ñ¸¸½èÄ ˆ½Å 縟¸®¸ ‚›¸ºŸ¸¸½™›¸ ª½÷¸º œÏç÷¸º÷¸ ¹ˆÅ¡¸½ ù¸¸›¸½ 總 œ¸Þ¨¸Ä ›¸ú¹÷¸¡¸¸½¿ ˆÅú
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¹£œ¸¸½’Ä œÏç÷¸º÷¸ ˆÅ£›¸¸. 5.6.3 ç¸ú‡ç¸ç¸úñ¸ú ñ¸¾¶ˆÅ¸½¿ Ÿ¸½¿ „œ¸þ瘸¹÷¸ :
5.5.3 ‚¸£‡Ÿ¸ç¸úñ¸ú ñ¸¾¶ˆÅ¸½¿ Ÿ¸½¿ „œ¸þ瘸¹÷¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ 縹Ÿ¸¹÷¸ ˆÅú 4 ñ¸¾¶ˆ½¿Å ªºƒÄ ¹ù¸ç¸Ÿ¸½¿ „œ¸þ瘸¹÷¸ ˆÅ¸
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5.6 ñ¸¸½èÄ ˆÅú ŠÏ¸ªˆÅ 總¨¸¸ 縹Ÿ¸¹÷¸ (ç¸ú‡ç¸ç¸úñ¸ú) ýú ù¸ú.ˆ½Å.¥¸¸¶, ©¸½¡¸£š¸¸£ˆÅ ¹›¸™½©¸ˆÅ 2 2
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總¨¸¸ 縹Ÿ¸¹÷¸ Š¸¹¶÷¸ ˆÅú Š¸¡¸ú ª¾. 縹Ÿ¸¹÷¸ ˆ½Å 縙硸 ¹›¸Ÿ›¸¸›¸ºç¸¸£ ªÿ : # ¹™›¸¸¿ˆÅ 30.06.2017 ÷¸ˆÅ ýú ‚²μ¸ ¹÷¸¨¸¸£ú ƒç¸ 縹Ÿ¸¹÷¸ ˆ½Å ‚š¡¸®¸ £ª½ ‚¸¾£ ÷¸™ºœ¸£¸¿÷¸ ýú £¸ù¸¹ˆÅ£μ¸ £¾
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‡ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ 5.7 ñ¸¸½èÄ ˆÅú ‡ê¸‚¸£ „œ¸-縹Ÿ¸¹÷¸ (‡ê¸‚¸£‡ç¸ç¸úñ¸ú)

‡ 縣ˆÅ¸£ ׸£¸ ›¸¸¹Ÿ¸÷¸ ¹›¸™½©¸ˆÅ 縹ª÷¸ 길£ Š¸¾£ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ 5.7.1 縿‹¸’›¸ :
ƒ›¸ˆ½Å ‚¹÷¸¹£Æ÷¸, ƒ›¸ ñ¸¾¶ˆÅ¸½¿ Ÿ¸½¿ ‚¸¿÷¸¹£ˆÅ ¥¸¸½ˆÅœ¸¸¥¸ ÷¸˜¸¸ ™¸½ ¹¨¸©¸½ß¸±¸¸½¿ ˆÅ¸½ 縹Ÿ¸¹÷¸ Ÿ¸½¿ `‚š¡¸®¸ ‡¨¸¿ œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ' ‚ñ¸ `œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½',
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84 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 ›¸¸¹Ÿ¸÷¸ ˆÅ¸½ƒÄ ™¸½ ¹›¸™½©¸ˆÅ ª¸½÷¸½ ªÿ. ƒç¸ˆ½Å ‚¹÷¸¹£Æ÷¸, Ÿ¸¸›¸¨¸ 縿縸š¸›¸ ˆ½Å ™¸½ 5.8 ¹ª÷¸š¸¸£ˆÅ¸½¿ ˆÅú 縿ñ¸¿š¸ 縹Ÿ¸¹÷¸ (‡ç¸‚¸£ç¸ú)
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5.7.2 ˆÅ¸¡¸Ä: ç’½ˆÅš¸¸£ˆÅ 縿ñ¸¿š¸ 縹Ÿ¸¹÷¸ (‡ç¸‚¸£ç¸ú) Š¸¹¶÷¸ ˆÅú Š¸¡¸ú ª¾.
¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ œ¸ª¥¸º‚¸½¿ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅ¸ œ¸¡¸Ä¨¸½®¸μ¸ ‚¸¾£ 縟¸ú®¸¸: è¸Á. ˆ½Å. £Ÿ¸½©¸, ‚¿©¸ˆÅ¸¹¥¸ˆÅ Š¸¾£- ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ 縹Ÿ¸¹÷¸ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸
1. ‡ê¸‚¸£ œ¸£ ñ¸ÿˆÅ ˆÅú 縿œ¸Þμ¸Ä £μ¸›¸ú¹÷¸. ‚š¡¸®¸ ªÿ.
‡ 縟¸ŠÏ ù¸›¸ñ¸¥¸ ‚¸¡¸¸½ù¸›¸¸ ¨¸ ˆÅ¸¾©¸¥¸ ‚¿÷¸£¸¥¸ ˆÅú œ¸ªê¸¸›¸ 5.8.2 ˆÅ¸¡¸Ä :
‡ 縪ú œÏ¹÷¸ð¸¸‚¸½¿ ˆÅ¸½ ‚¸ˆÅ¹ß¸Ä÷¸ ˆÅ£›¸½ ‚¸¾£ „›¸ˆ½Å ¹¨¸ˆÅ¸ç¸ ˆ½Å
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‡ „¸¹š¸ˆÅ¸£ ˆÅú ¡¸¸½ù¸›¸¸ ‚›¸ºý¨¸μ¸ ˆÅ£÷¸ú ª¾.
2. ñ¸ÿˆÅ ˆ½Å ç¸ð¸ú ç’¸ûÅ œ¸£ ¥¸¸Š¸Þ ª¸½›¸½ ¨¸¸¥¸ú ¹›¸ßœ¸¸™›¸ œÏñ¸¿š¸›¸ œÏμ¸¸¥¸ú
ˆÅ¸ ¹¨¸ˆÅ¸ç¸ 5.8.3 ‡ç¸‚¸£ç¸ú ñ¸¾¶ˆÅ¸½¿ Ÿ¸½¿ „œ¸þ瘸¹÷¸:
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ñ¸ÿˆÅ ׸£¸ ›¸¸¹Ÿ¸÷¸ ¹›¸™½©¸ˆÅ ˆÅ¸½ ø¸½èˆõ Å£, ç¸ð¸ú Š¸¾£ ˆÅ¸¡¸ÄˆÅ¸£ú ¹›¸™½©¸ˆÅ¸½¿ ˆÅ¸½ 7.5 ™¿è ¡¸¸ ‚¸®¸½œ¸ :
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ñ¸¸½èÄ ˆÅú ñ¸¾¶ˆ½¿Å - `20,000/- œÏ¹÷¸ ñ¸¾¶ˆÅ. ‚˜¸Ä™¿è ¡¸¸ ‚¸®¸½œ¸ ›¸ªì ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ª¾.
縹Ÿ¸¹÷¸ ˆÅú ñ¸¾¶ˆ½¿Å - `10,000/- œÏ¹÷¸ ñ¸¾¶ˆÅ. 7.6 þ¨ª¹ç¸¥¸ ñ¥¸¸½‚£ ›¸ú¹÷¸ :
„Æ÷¸ ù¸¸›¸ˆÅ¸£ú ñ¸ÿˆÅ ˆÅú ¨¸½ñ¸ 縸ƒ’ œ¸£ ð¸ú, ¹›¸Ÿ›¸ 른ˆÅ ˆ½Å ÷¸ª÷¸ „œ¸¥¸ñš¸ ª¾ : ñ¸ÿˆÅ ›¸½ Š¸ºœ÷¸ ç¸Þ긛¸¸ ›¸ú¹÷¸ ¥¸¸Š¸Þ ˆÅú ª¾ ‚¸¾£ ƒç¸½ ¹›¸Ÿ›¸ 른ˆÅ œ¸£ ™½‰¸¸ ù¸¸
http://www.unionbankofindia.co.in/english/Making-payment.aspx 縈Å÷¸¸ ª¾ :
¡¸¸°¸¸ ‡¨¸¿ ¹¨¸£¸Ÿ¸ ð¸î¸¸: https://www.unionbankofindia.co.in/PageMenuDocs/
‚œ¸›¸½ ¹¥¸¡¸½ œ¸¸°¸ ûÅúç¸ ˆ½Å ‚¹÷¸¹£Æ÷¸ ñ¸ÿˆÅ ˆ½Å ˆÅ¸¡¸Ä 總 ¡¸¸°¸¸ ˆÅ£›¸½ ¨¸¸¥¸½ whistleblowerpolicy.pdf.

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9.5 ©¸½¡¸£ ‚¿÷¸£μ¸ œÏμ¸¸¥¸ú ‚¸¾£ ¹›¸¨¸½©¸ˆÅ¸½¿ ˆÅú ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅ¸ ¹›¸¨¸¸£μ¸
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„›¸ç¸½ 縿ñ¸¿¹š¸÷¸ Ÿ¸¸Ÿ¸¥¸¸½¿ œ¸£ ¹¨¸ê¸¸£ ˆ½Å ¹¥¸‡ ñ¸¸½èÄ ˆÅú ©¸½¡¸£ ‚¿÷¸£μ¸ 縹Ÿ¸¹÷¸ ñ¸›¸¸ƒÄ ª¾.
總ñ¸ú (ç¸Þê¸ú¡¸›¸ ™¸¹¡¸÷¨¸ ‡¨¸¿ œÏˆÅ’›¸ ‚œ¸½®¸¸) ¹¨¸¹›¸¡¸Ÿ¸›¸ 2015 ˆ½Å ‚›¸ºœ¸¸¥¸›¸ ˆ½Å ÇÅŸ¸ Ÿ¸½¿ ñ¸ÿˆÅ ׸£¸ Ÿ¸½ç¸ç¸Ä 踒¸Ÿ¸½¹’ˆÅ ¹ñ¸Î¸›¸½ç¸ 縸½¥¡¸Þ©¸¿ç¸ ¹¥¸¹Ÿ¸’½è (œ¸Þ¨¸Ä Ÿ¸½¿ Ÿ¸½ç¸ç¸Ä 踒¸Ÿ¸½¹’ˆÅ
ûŸƒ›¸½¿¹ç¸¡¸¥¸ 縹¨¸Äç¸½ç¸ ¹¥¸¹Ÿ¸’½è ˆ½Å ›¸¸Ÿ¸ 總 œÏ긹¥¸÷¸) ˆÅ¸½ ‚œ¸›¸½ £¹ù¸ç’︣ ÷¸˜¸¸ ©¸½¡¸£ ’︿ç¸ûÅ£ ‡ù¸½¿’ (‚¸£’ú‡) ˆ½Å ³œ¸ Ÿ¸½¿ ©¸½¡¸£¸½¿ ÷¸˜¸¸ ¥¸¸ð¸¸¿©¸ ˆ½Å ‚¿÷¸£μ¸, ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆ½Å
‚¸¨¸½™›¸¸½¿ ˆ½Å ¹£ˆÅ¸ÁèÄ ‡¨¸¿ ©¸½¡¸£ 總 縿ñ¸¿¹š¸÷¸ ‚›¡¸ Š¸¹÷¸¹¨¸¹š¸¡¸¸½¿ Ÿ¸½¿ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ׸£¸ ˆÅú Š¸ƒÄ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆ½Å ¹›¸¨¸¸£μ¸ ª½÷¸º ‚¹š¸™½©¸ ׸£¸ ¹›¸¡¸ºÆ÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ¹›¸¨¸½©¸ˆÅ ‚œ¸›¸½ ‚¿÷¸£μ¸
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ñ¸ÿˆÅ ›¸½ ‚œ¸›¸½ œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸, Ÿ¸ºñ¿ ¸ƒÄ Ÿ¸½¿ ð¸ú ¹›¸¨¸½©¸ˆÅ 總¨¸¸‡¿ œÏ𸸊¸ 瘸¸¹œ¸÷¸ ¹ˆÅ¡¸¸ ª¾. ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸ú ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆ½Å ¹¥¸‡ ˆ¿Åœ¸›¸ú 縹긨¸, ¹›¸¨¸½©¸ˆÅ 總¨¸¸‡¿ œÏ𸸊¸ 總 縿œ¸ˆÄÅ ˆÅ£ 縈Å÷¸½ ªÿ.
£¹ù¸ç’︣ ‡¨¸¿ ©¸½¡¸£ ‚¿÷¸£μ¸ ‡ù¸½¿’ (‚¸£’ú‡) ˆ¿Åœ¸›¸ú 縹긨¸
Ÿ¸½ç¸ç¸Ä 踒¸Ÿ¸¾¹’Æç¸ ¹ñ¸Î¸›¸½ç¸ 縸½¥¡¸Þ©¸¿ç¸ ¹¥¸¹Ÿ¸’½è ¹›¸¨¸½©¸ˆÅ 總¨¸¸‡¿ œÏ𸸊¸
¡¸Þ¹›¸’: ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸,
œ¥¸¸Á’ ›¸¿ñ¸£ ñ¸ú-5, œ¸¸’Ä ñ¸ú ÇŸÁ縥¸½›¸, 12¨¸ì Ÿ¸¿¹ù¸¥¸, ˆ½¿ÅÍú¡¸ ˆÅ¸¡¸¸Ä¥¸¡¸,
‡Ÿ¸‚¸ƒÄèúç¸ú, ‚¿š¸½£ú (œ¸Þ¨¸Ä), 239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä,
Ÿ¸º¿ñ¸ƒÄ- 400 093 ›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Ÿ¸º¿ñ¸ƒÄ - 400 021.
ûŸ½›¸- 022-66712001-6 ûŸ½›¸-(022)2289 6636
û¾ÅÆç¸- 022-66712011 ûö¾ÅÆç¸-(022)22025238
ƒÄ-Ÿ¸½¥¸: ubiinvestors@datamaticsbpm.com ƒÄ-Ÿ¸½¥¸: investorservices@unionbankofindia.com

9.6 ‚›¡¸ ç¸Þ긛¸¸‡¿:

©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú 縟¸ç¡¸¸‚¸½¿ ˆÅ¸ 縟¸¡¸ 總 ù¸¨¸¸ñ¸ ™½›¸½ ˆ½Å ‚¥¸¸¨¸¸, ñ¸ÿˆÅ ‚œ¸›¸ú ÷¸£ûŠ總 œ¸°¸¸ê¸¸£ ‚¸¾£ ‚›¡¸ „œ¸¸¡¸¸½¿ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ¹›¸¨¸½©¸ˆÅ¸½¿ ˆ½Å 縸˜¸ ‚êø½ 縿ñ¸¿š¸ ñ¸›¸¸‡ £‰¸÷¸¸ ª¾.
ƒç¸ 縸¥¸ ð¸½ù¸½ Š¸‡ œ¸°¸¸½¿ Ÿ¸½¿ ¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ Ÿ¸ºÓ¸½¿ œ¸£ ù¸¸½£ ¹™¡¸¸ Š¸¡¸¸ :
I. øŸ¸¸ªú ˆÅ¸¡¸Ä¹›¸ßœ¸¸™›¸
II. ˆÅ¸Áœ¸¸½Ä£½’ ˆÅ¸¡¸Ä Ÿ¸¿°¸¸¥¸¡¸, 𸸣÷¸ 縣ˆÅ¸£ ׸£¸ ˆÅú Š¸¡¸ú œ¸ª¥¸ ˆ½Å ‚›¸º³œ¸ ˆÅ¸Áœ¸¸½Ä£½’ Š¸¨¸›¸½ôç¸ Ÿ¸½¿ œ¸¡¸¸Ä¨¸£μ¸ ‚›¸ºˆÞÅ¥¸ œ¸ª¥¸ ˆÅ¸¡¸¸Äþ›¨¸÷¸ ˆÅ£›¸¸.
9.7 ©¸½¡¸£¸½¿ ˆÅ¸ ‚Ÿ¸Þ÷¸úĈţμ¸
ñ¸ÿˆÅ ›¸½ ™¸½›¸¸½¿ ¹èœ¸¸½¹ù¸’¹£¡¸¸½¿ ¡¸˜¸¸ ›¸¾©¸›¸¥¸ ¹ç¸Æ¡¸Þ¹£’úù¸ ¹èœ¸¸½¹ù¸’£úù¸ ¹¥¸.(‡›¸‡ç¸èú‡¥¸) ‚¸¾£ 總¿’兩 ¹èœ¸¸½¹ù¸’£ú 縹¨¸Äç¸½ç¸ (ƒ¿¹è¡¸¸) ¹¥¸. (ç¸úèú‡ç¸‡¥¸) 總 ñ¸ÿˆÅ ˆ½Å ©¸½¡¸£¸½¿ ˆÅ¸
‚Ÿ¸Þ¹÷¸ÄˆÅ£μ¸ ˆÅ£›¸½ ˆÅ¸ ˆÅ£¸£ ¹ˆÅ¡¸¸ ª¾. ñ¸ÿˆÅ ˆ½Å ƒþƨ¸’ú ©¸½¡¸£¸½¿ ˆ½Å ¹¥¸‡ ‚¸ñ¸¿¹’÷¸ ‚¸ƒÄ‡ç¸‚¸ƒÄ‡›¸ ˆÅ¸½è, ‚¸ƒÄ‡›¸ƒÄ692‡01016 ª¾.
‚÷¸: ¡¸ª ‚›¸º£¸½š¸ ª¾ ¹ˆÅ 𸸾¹÷¸ˆÅ ³œ¸ Ÿ¸½¿ ©¸½¡¸£ š¸¸¹£÷¸ ©¸½¡¸£š¸¸£ˆÅ ‚œ¸›¸½ ¹ª÷¸ Ÿ¸½¿ ‚œ¸›¸½ ©¸½¡¸£¸½¿ ˆÅ¸ ‚Ÿ¸Þ¹÷¸ÄˆÅ£μ¸ ˆÅ£¸‡¿, ƒç¸ç¸½ ¨¸½ ©¸½¡¸£ œÏŸ¸¸μ¸œ¸°¸ ˆÅú ‚¹ð¸£®¸¸ ‚¸¾£ ©¸½¡¸£ œÏŸ¸¸μ¸œ¸°¸ ˆ½Å
‰¸¸½ ù¸¸›¸½/‰¸£¸ñ¸ ª¸½ ù¸¸›¸½ ù¸¾ç¸ú 縟¸ç¡¸¸‚¸½¿ 總 ñ¸ê¸ ù¸¸‡¿Š¸½. ƒç¸ˆ½Å ‚¥¸¸¨¸¸ ¡¸ª „›ª½¿ ÷¸º£¿÷¸ ÷¸£¥¸÷¸¸ (›¸ˆÅ™úˆÅ£μ¸) ð¸ú œÏ™¸›¸ ˆÅ£½Š¸¸, Æ¡¸¸½¿¹ˆÅ ñ¸ÿˆÅ ˆ½Å ©¸½¡¸£¸½¿ ˆÅ¸ ‰¸£ú™-¹ñ¸ÇÅú ˆ½Å¨¸¥¸
èúŸ¸¾’ ˆ½Å ³œ¸ Ÿ¸½¿ ªú ¹ˆÅ¡¸¸ ù¸¸ 縈Å÷¸¸ ª¾. ƒç¸ç¸½ ¥¸¸ð¸¿¸©¸ 𸺊¸÷¸¸›¸ ð¸ú ÷¸½ù¸ú ‚¸¾£ ‚¸ç¸¸›¸ú 總 ª¸½ 縈½ÅŠ¸¸. 31.03.2018 ˆÅ¸½ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ׸£¸ èúŸ¸¾’ ‡¨¸¿ 𸸾¹÷¸ˆÅ ³œ¸ Ÿ¸½¿ £‰¸½ Š¸‡
©¸½¡¸£¸½¿ ˆÅ¸ ¹¨¸¨¸£μ¸ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ª¾:
ý½μ¸ú ©¸½¡¸£ š¸¸£ˆÅ¸½¿ ˆÅú 縿‰¡¸¸ ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ %
𸸾¹÷¸ˆÅ 57,787 1,26,23,544 1.08
èúŸ¸¾’
‡›¸‡ç¸èú‡¥¸ 1,08,057 34,24,95,865 29.31
ç¸úèú‡ç¸‡¥¸ 81,189 81,34,53,972 69.61
ˆºÅ¥¸ 2,47,033 116,85,73,381 100.00
ƒç¸ˆ½Å ‚¹÷¸¹£Æ÷¸, 總ñ¸ú ׸£¸ ù¸¸£ú œ¸¹£œ¸°¸ ˆ½Å ‚›¸ºç¸£μ¸ Ÿ¸½¿ ¨¡¸¨¸ç¸¸¡¸£÷¸ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£/ˆ¿Åœ¸›¸ú 縹긨¸ ›¸½ ð¸ú ¹÷¸Ÿ¸¸ªú ‚¸š¸¸£ œ¸£ ©¸½¡¸£ œ¸Þ¿ù¸ú ¥¸½‰¸¸œ¸£ú®¸¸ ˆÅ¸ ¹Ÿ¸¥¸¸›¸ ¹ˆÅ¡¸¸ ª¾. ©¸½¡¸£
œ¸Þ¿ù¸ú ˆ½Å ¹Ÿ¸¥¸¸›¸ ˆ½Å ™¸¾£¸›¸ 縙硸¸½¿ ˆÅú ñ¸¹ª¡¸¸½¿ ˆ½Å ‚Ô¸÷¸›¸úˆÅ£μ¸/£‰¸£‰¸¸¨¸ Ÿ¸½¿ ‚˜¸¨¸¸ èúŸ¸¾’ ‚›¸º£¸½š¸ ˆÅú œÏ¸ç¸½ë縊¸ Ÿ¸½¿ ˆÅ¸½ƒÄ ¹¨¸ç¸¿Š¸¹÷¸ ›¸ªì œ¸¸¡¸ú Š¸¡¸ú ‚¸¾£ 𸸾¹÷¸ˆÅ œÏμ¸¸¥¸ú ÷¸˜¸¸
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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 95

9.8 ñ¸¸ù¸¸£ Ÿ¸Þ¥¡¸, ©¸½¡¸£ ñ¸¸ù¸¸£ Ÿ¸½¿ ‰¸£ú™-¹ñ¸ÇÅú ¹ˆÅ‡ Š¸¡¸½ ©¸½¡¸£¸½¿ ˆÅú Ÿ¸¸°¸¸
Ÿ¸¸ª ñ¸ú‡ç¸ƒÄ ‡›¸‡ç¸ƒÄ ñ¸ú‡ç¸ƒÄ ç¸Þ금Ÿ¿ˆÅ
„êê¸÷¸Ÿ¸ (`) ›¡¸Þ›¸÷¸Ÿ¸ (`) Ÿ¸¸°¸¸ „êê¸÷¸Ÿ¸ (`) ›¡¸Þ›¸÷¸Ÿ¸ (`) Ÿ¸¸°¸¸ „êê¸÷¸Ÿ¸ (`) ›¡¸Þ›¸÷¸Ÿ¸ (`)
(縿‰¡¸¸) (縿‰¡¸¸)
‚œÏ¾¥¸,17 172.40 148.10 10678114 173.00 147.80 69376689 30,184.22 29,241.48
Ÿ¸ƒÄ,17 205.00 149.70 17440155 205.10 149.75 150899168 31,255.28 29,804.12
ù¸Þ›¸,17 162.75 140.45 8153451 162.70 140.20 61307204 31,522.87 30,680.66
ù¸º¥¸¸ƒÄ,17 162.70 145.10 10784617 162.70 146.00 65120062 32,672.66 31,017.11
‚Š¸ç÷¸,17 159.25 124.25 9209048 159.20 124.00 85678667 32,686.48 31,128.02
¹ç¸÷¸Ÿñ¸£,17 141.00 125.75 6157325 140.00 125.70 60677986 32,524.11 31,081.83
‚Æ’Þñ¸£,17 196.05 123.80 14650399 196.05 123.70 118101612 33,340.17 31,440.48
›¸¨¸Ÿñ¸£,17 184.80 160.60 14863231 184.00 160.60 99368019 33,865.95 32,683.59
¹™ç¸Ÿñ¸£,17 165.10 140.45 7050526 164.90 140.55 71290840 34,137.97 32,565.16
ù¸›¸¨¸£ú,18 152.20 134.15 10078043 151.80 134.10 103373305 36,443.98 33,703.37
ûÅ£¨¸£ú,18 137.35 99.50 17185984 137.40 99.50 168575929 36,256.83 33,482.81
Ÿ¸¸ê¸Ä,18 105.95 85.95 20207622 105.85 86.00 208875322 34,278.63 32,483.84
31.03.2018 ˆÅ¸½ `94.10 `94.00
‚þ›÷¸Ÿ¸ Ÿ¸Þ¥¡¸
ñ¸¸ù¸¸£ œ¸Þ¿ù¸úˆÅ£μ¸ `10,996.28 ˆÅ£¸½èõ `10,984.59 ˆÅ£¸½èõ

* ”¸¸½÷¸-‡›¸‡ç¸ƒÄ/ñ¸ú‡ç¸ƒÄ ¨¸½ñ¸ç¸¸ƒ’ (www.nseindia.com/www.bseindia.com) * ”¸¸½÷¸-‡›¸‡ç¸ƒÄ/ñ¸ú‡ç¸ƒÄ ¨¸½ñ¸ç¸¸ƒ’ (www.nseindia.com/www.bseindia.com)

9.9 ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ ¹¨¸÷¸£μ¸ :
ñ¸ÿˆÅ Ÿ¸½¿ 縣ˆÅ¸£ ˆÅú ©¸½¡¸£š¸¸¹£÷¸¸ `10 œÏ¹÷¸ ©¸½¡¸£ ¨¸¸¥¸½ 78.79 ˆÅ£¸½èõ ƒþƨ¸’ú ©¸½¡¸£¸½¿ ˆÅú ª¾, ù¸¸½ `1168.57 ˆÅ£¸½èõ ˆÅú ˆºÅ¥¸ ù¸¸£ú œ¸Þ¿ù¸ú Ÿ¸½¿ `787.91 ˆÅ£¸½èõ ª¾. ¹™›¸¸¿ˆÅ 31.3.2018
÷¸˜¸¸ 31.3.2017 ˆÅ¸½ ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ ¹¨¸÷¸£μ¸ ¹›¸Ÿ›¸ œÏˆÅ¸£ ª¾:
¡¸˜¸¸ 31/03/2018 ¡¸˜¸¸ 31/03/2017
©¸½¡¸£š¸¸¹£÷¸¸ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú ˆºÅ¥¸ ˆÅ¸ % ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ ˆºÅ¥¸ ˆÅ¸ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú ˆºÅ¥¸ ˆÅ¸ ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ ˆºÅ¥¸ ˆÅ¸
縿‰¡¸¸ % 縿‰¡¸¸ % %
500÷¸ˆÅ 2,18,734 88.54 3,10,15,108 2.61 2,16,474 89.68 3,02,92,802 4.41
501總1000 19,305 7.82 1,34,08,329 1.14 18,017 7.46 1,23,15,508 1.79
1001總2000 5,394 2.18 77,34,706 0.67 4,334 1.80 61,36,488 0.89
2001總3000 1,402 0.57 35,33,509 0.30 1,003 0.42 25,21,023 0.37
3001總4000 574 0.23 20,60,120 0.18 399 0.17 14,28,312 0.21
4001總5000 362 0.15 16,99,278 0.14 248 0.10 11,64,346 0.17
5001總10000 588 0.24 42,55,951 0.36 387 0.16 27,80,782 0.40
10001總 ‚¹š¸ˆÅ 674 0.27 110,48,66,380 94.61 507 0.21 63,08,01,856 91.76
ˆºÅ¥¸ 2,47,033 100.00 116,85,73,381 100.00 2,41,369 100.00 68,74,41,117 100.00
ñ¸ÿˆÅ ˆ½Å ©¸½¡¸£ ˆÅ¸ ‚¿¹ˆÅ÷¸ Ÿ¸Þ¥¡¸ `10/- ª¾.

96 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

9.10 ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ œ¸¾’›¸Ä:
¹™›¸¸¿ˆÅ 31.3.2018 ÷¸˜¸¸ 31.03.2017 ˆÅ¸½ ñ¸ÿˆÅ ˆÅú ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ œ¸¾’›¸Ä ¹›¸Ÿ›¸¸›¸ºç¸¸£ £ª¸:-
¡¸˜¸¸ 31/03/2018 ¡¸˜¸¸ 31/03/2017
©¸½¡¸£š¸¸£ˆÅ ˆÅú ý½μ¸ú
š¸¸¹£÷¸ ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ ˆºÅ¥¸ ˆÅ¸ % š¸¸¹£÷¸ ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ ˆºÅ¥¸ ˆÅ¸ %
𸸣÷¸ 縣ˆÅ¸£ 78,79,14,581 67.43 43,61,06,597 63.44
‚¹›¸¨¸¸ç¸ú (‡ûÅ‚¸ƒÄ‚¸ƒÄ/‚¸½ç¸úñ¸ú/‡›¸‚¸£‚¸ƒÄ) 6,00,17,340 5.14 3,55,32,068 5.17
ñ¸ÿˆÅ/¹¨¸î¸ú¡¸ 縿瘸¸›¸/ ñ¸úŸ¸¸ ˆ¿Å. 13,37,09,328 11.44 7,70,27,187 11.20
Ÿ¡¸ºê¡¸º‚¥¸ û¿Åè/¡¸Þ’ú‚¸ƒÄ 9,87,29,653 8.45 6,60,29,658 9.61
™½©¸ú ˆ¿Åœ¸¹›¸¡¸¸¿/¹›¸ù¸ú ¹›¸Š¸¹Ÿ¸÷¸ ¹›¸ˆÅ¸¡¸/’ïç’ 1,73,27,912 1.48 1,30,70,096 1.90
¹›¸¨¸¸ç¸ú 𸸣÷¸ú¡¸ 7,08,74,567 6.06 5,96,75,511 8.68
ˆºÅ¥¸ 116,85,73,381 100.00 68,74,41,117 100.00
9.11 ñ¸ÿˆÅ ˆ½Å 10 ©¸úß¸Ä ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú ç¸Þê¸ú :
31.03.2018 ˆÅ¸½ ©¸úß¸Ä 10 ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆ½Å ›¸¸Ÿ¸ ˆÅú ç¸Þê¸ú ƒç¸ œÏˆÅ¸£ ªÿ:
ÇÅ. ›¸¸Ÿ¸ ©¸½¡¸£¸½¿ ˆÅú 縿‰¡¸¸ œ¸Þ¿ù¸ú ˆÅ¸%
1 𸸣÷¸ ˆ½Å £¸ß’¹÷¸ 78,79,14,581 67.43
2 𸸣÷¸ú¡¸ ù¸ú¨¸›¸ ñ¸úŸ¸¸ ¹›¸Š¸Ÿ¸ 11,33,23,195 9.70
3 ‡ê¸èú‡ûÅç¸ú ’ïç’ú ˆ¿Åœ¸›¸ú ¹¥¸- ‡ê¸èú‡ûÅç¸ú ¹Ÿ¸è ˆ¾Åœ¸ ‚œ¸¸£ê¡¸Þ¹›¸’úù¸ û¿Åè 3,97,29,328 3.40
4 ‚¸ƒÄç¸ú‚¸ƒÄç¸ú‚¸ƒÄ œÏºè½›¸¹©¸¡¸¥¸ ñ¸¾¥¸½›çè ‡è¨¸¸¿’½ù¸ ûö¿Åè 2,90,54,141 2.49
5 ‚¸ƒÄèú‡ûöÅç¸ú 璣른Š¸ ƒþƨ¸’ú û¿Åè 79,87,744 0.68
6 ¹™ ›¡¸Þ ƒ¿¹è¡¸¸ ‡©¡¸¸½£¿ç¸ ˆ¿Åœ¸›¸ú ¹¥¸¹Ÿ¸’½è 74,57,257 0.64
7 ›¸½©¸›¸¥¸ ¨¸½ç’¹Ÿ¸¹›¸ç’£ ñ¸ÿˆÅ œ¸ú‡¥¸ç¸ú ‡Î¸ ’ïç’ú ‚¸ÁûÅ ™ ù¸º¹œ¸’£ ƒ¿¹è¡¸¸ û¿Åè 59,70,278 0.51
8 Š¸¨¸›¸ÄŸ¸½¿’ œ¸½¿©¸›¸ û¿Åè Š¥¸¸½ñ¸¥¸ 54,70,270 0.47
9 ¡¸Þ’ú‚¸ƒÄ ¹Ÿ¸è ˆ¾Åœ¸ û¿Åè 53,31,264 0.46
10 ù¸›¸£¥¸ ƒ¿©¡¸¸½£½¿ç¸ ˆÅ¸Áœ¸¸½Ä£½©¸›¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸ 51,58,427 0.44
ˆºÅ¥¸ 1,00,73,96,485 86.21
9.12 ‚™¸¨¸¸ˆ¼Å÷¸/‚™î¸ ¥¸¸ð¸¸¿©¸ :
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¥¸¸ð¸¸¿©¸ 2010-11 80% 08-08-18
¥¸¸ð¸¸¿©¸ 2011-12 80% 06-08-19
¥¸¸ð¸¸¿©¸ 2012-13 80% 06-08-20
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¥¸¸ð¸¸¿©¸ 2015-16 19.50% 08-08-23
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9.13 ‚™¸¨¸¸ˆÅ¼÷¸ ©¸½¡¸£ :
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98 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 CORPORATE GOVERNANCE REPORT
1. BANK’S PHILOSOPHY ON CORPORATE GOVERNANCE
1.1 Union Bank of India has a tradition of adopting
good corporate governance practices. The Bank
has laid emphasis on the cardinal values of fairness,
transparency and accountability for performance at all
levels, thereby enhancing the shareholders’ value and
protecting the interest of the stakeholders.
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2015 to the extent that it does not violate statues
and guidelines or directives issued by the relevant
authorities applicable to the Bank.
2. BOARD OF DIRECTORS
2.1 The composition of the Board of Directors is governed
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for creation and safeguarding wealth. During the
year under review, the Bank continued its pursuit
of achieving these objectives through adoption and
monitoring of corporate strategies, prudent business
plans, monitoring of major risks of the Bank’s business
and pursuing policies and procedures to satisfy its
legal and ethical responsibilities.
1.3 Keeping in view the best practices, the Board has
framed a code of corporate governance. The code
helps to inculcate a spirit of good corporate governance
right from the top. It basically encompasses and
documents the practices followed in the Bank in
conduct of its duties towards all the stakeholders like:
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amended.
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policies for development of new products, business
reviews in relation to targets, approval of policies
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assessing the independence of the risk function,
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human resources.
2.3 The Board has constituted various committees and
delegated powers for different functional areas. The
Board as well as its committees meet at periodical
intervals.
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1.4 The Bank being a listed entity complies with the 2.5 Composition of the Board of Directors as on
&RUSRUDWH*RYHUQDQFHSURYLVLRQVRIWKH6(%,/LVWLQJ 31st March, 2018 is as under:
Sr. Full Name of Appointment Membership in Holding Number of No. of post of Remarks (Nature of appointment in the
No. the Director, Date Committees of of Bank’s memberships Chairperson Bank/Other Companies)
Designation the Bank # shares in ACB & SRC in ACB / SRC
& Category in Public Ltd. held in Public
Companies Ltd. Companies
including the including the
Bank Bank
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Annual Report 2017-2018 99

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No. the Director, Date Committees of of Bank’s memberships Chairperson Bank/Other Companies)
Designation the Bank # shares in ACB & SRC in ACB / SRC
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100 Annual Report 2017-2018

Sr. Full Name of Appointment Membership in Holding Number of No. of post of Remarks (Nature of appointment in the
No. the Director, Date Committees of of Bank’s memberships Chairperson Bank/Other Companies)
Designation the Bank # shares in ACB & SRC in ACB / SRC
& Category in Public Ltd. held in Public
Companies Ltd. Companies
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2.6 Appointments/Cessations during the Financial Year 2017-18:

Appointments: $EULHISURÀOHRIWKHQHZGLUHFWRUVLQGXFWHGRQWKH%RDUGGXULQJWKHÀQDQFLDO\HDULVDV
under:-
Sr. Name Age Date of Expiry Date of Nature of Brief Resume
No. Appointment Current Term Expertise
1. 6KUL5DMNLUDQ 55  30-06-2020 %DQNLQJ  6KUL5DMNLUDQ5DL*LVDQDJULFXOWXUDOVFLHQFHJUDGXDWHDQGDOVRD
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than three decades of rich banking experience. He started his career
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to 2012.

102 Annual Report 2017-2018

 Sr. Name Age Date of Expiry Date of Nature of Brief Resume
No. Appointment Current Term Expertise
3. 'U0DGKXUD   26-12-2020 (FRQRPLFV 'U 0DGKXUD 6ZDPLQDWKDQ KDV D GRFWRUDWH LQ (FRQRPLFV IURP
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economic damages.

Cessations: 7KHIROORZLQJPHPEHUVFHDVHGWREHWKH'LUHFWRUVGXULQJWKHÀQDQFLDO\HDU
Sr. Name of Director Designation Date of Cessation Reason
No.
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Sr. Name & Designation of Name of Company Name of Committee# Member/

No. Director Chairman
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Director

Annual Report 2017-2018 103

 Sr. Name & Designation of Name of Company Name of Committee# Member/
No. Director Chairman
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2.9 Details of Familiarization Programmes attended Sr. Date of the Total No. of No. of Directors
by Directors: The details of training programmes No. Board Meeting Directors on the present in the
attended by Directors of the Bank are made available Board meeting
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present:
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No. 15.  12 10
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Director
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104 Annual Report 2017-2018

 Name of Director No of Meeting No of   'LVFLSOLQDU\ 3URFHHGLQJV &RPPLWWHH  9LJLODQFH
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Annual Report 2017-2018 105

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Director the operation of the total audit function in
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functions in the Bank i.e., the system, its
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Inter-Bank accounts and Nostro accounts
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branches
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Annual Report 2017-2018 

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the Board for approval. 5HVRXUFHVDOVRSDUWLFLSDWHDVVSHFLDOLQYLWHHV
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held during attended
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a. No. of shareholders’ complaints 0 2
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received during the year
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complaints of the security holders of the Bank resolved during the year
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110 Annual Report 2017-2018

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is to be designed, so as to derive maximum
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at a bank-level, and ascertaining if the
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Annual Report 2017-2018 111

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Annual Report 2017-2018 113

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114 Annual Report 2017-2018

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116 Annual Report 2017-2018

6 GENERAL BODY MEETINGS
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Nature of Date & Time Venue Special Resolution

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 Nature of Date & Time Venue Special Resolution
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7 DISCLOSURES $FFRUGLQJO\DOO1RQ([HFXWLYH'LUHFWRUVH[FHSW*RYW
The Bank is governed E\ WKH %DQNLQJ 5HJXODWLRQV 1RPLQHH'LUHFWRU 5%,1RPLQHH'LUHFWRUDUHHQWLWOHG
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entities which are not companies, but body corporate
or are subject to regulations under other statues, the
provisions of corporate governance shall apply to the
extent that it does not violate their respective statutes
and guidelines or directives issued by the relevant
authorities.
Keeping in view the above, it is stated that the Bank
aspx
Travelling & Halting Allowance:
In addition to fees to which a director is entitled to be
paid, every such director travelling in connection with
the work of the Bank shall be reimbursed his Travelling
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is complying with all the applicable mandatory
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business, the Bank has not entered into any materially
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the notes to accounts.  Disclosure of Pecuniary Relationship or
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 Annual Report 2017-2018

 course of banking business and the sitting fees paid
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 Proceeds from Public issues, Right issues,
Preferential issues etc.:
The Bank has obtained approval of shareholders
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aggregating up to ` FURUHV WR *RYHUQPHQW RI
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sum of `4,524 crores as capital infusion in the form
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The said policy can be accessed via following link
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DW DQ ,VVXH 3ULFH RI `144.62 including premium of
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The Bank has issued Unsecured Non convertible
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mentioned in para 9.1 of the report. co.in.

 Penalties or Strictures: 8 MEANS OF COMMUNICATION

No penalties or strictures were imposed on the Bank  7KHTXDUWHUO\KDOI\HDUO\DQGDQQXDOÀQDQFLDOUHVXOWV

E\DQ\RIWKH6WRFN([FKDQJHV6(%,RUDQ\6WDWXWRU\ of the Bank were published in leading newspapers
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during the last three years. -RXUQDO (QJOLVK 1DYEKDUDW +LQGL DQG 1DYVKDNWL
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Board periodically reviews the functioning of the said
policy. It is further stated that no employee has been
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related presentations, shareholding pattern, etc. are
also simultaneously placed on the Bank’s website.
9 SHAREHOLDERS’ INFORMATION
9.1 7KH %DQN·V HTXLW\ VKDUHV DUH OLVWHG RQ %6( /LPLWHG
and the NDWLRQDO6WRFN([FKDQJHRI,QGLD/LPLWHGDQG
its stock scrip code is as follows: -
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However, as on date there is no material subsidiary of ÀQDQFLDO\HDUKDVEHHQSDLGWRERWKWKH6WRFN
the Bank. ([FKDQJHVEHIRUHth$SULO

Annual Report 2017-2018 119

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Series Size Date of Maturity Coupon Rate % (p.a) ISIN NO.
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DIWHUth year, if call option not
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25.06.2024 DIWHUth year, if call option not
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 DIWHUth year, if call option not
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120 Annual Report 2017-2018

 Series Size Date of Maturity Coupon Rate % (p.a) ISIN NO.
(` In Cr) Allotment Date
%RQG6HULHV;;,9 500  3HUSHWXDO &DOORSWLRQPD\EHH[HUFLVHG ,1($
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TOTAL 12,790

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9.2 Dividend:
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the Board of Directors has deFLGHGQRWWRGHFODUHGLYLGHQGIRUWKH\HDU
9.3 Particulars of AGM:
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9.4 Financial Calendar:

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Financial Results Likely release of results

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9.5 Share Transfer System and Redressal of Investors’ Grievances:

The Bank ensures that all transfers of shares are duly affected within the period of 15 days from the date of their
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consider the transfer of shares and other related matters.

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DSSRLQWHG0V'DWDPDWLFV%XVLQHVV6ROXWLRQV/LPLWHG)RUPHUO\NQRZQDV0V'DWDPDWLFV)LQDQFLDO6HUYLFHV
/LPLWHGDVLWV5HJLVWUDUVDQG6KDUH7UDQVIHU$JHQW57$ZLWKDPDQGDWHWRSURFHVVWUDQVIHURI6KDUHVGLYLGHQG
UHFRUGLQJRIVKDUHKROGHUV·UHTXHVWVVROXWLRQRIVKDUHKROGHUV·JULHYDQFHVDPRQJVWRWKHUDFWLYLWLHVFRQQHFWHG
ZLWKWKHLVVXHRIVKDUHV7KH,QYHVWRUVPD\ORGJHWKHLUWUDQVIHUGHHGVUHTXHVWVFRPSODLQWVZLWKWKH57$DW
the address mentioned below.

  7KH%DQNKDVDOVRHVWDEOLVKHG,QYHVWRU6HUYLFHV'LYLVLRQDWLWV+HDG2IÀFH0XPEDL7KH6KDUHKROGHUVPD\
FRQWDFW&RPSDQ\6HFUHWDU\,QYHVWRU6HUYLFHV'LYLVLRQIRUDQ\RIWKHLUUHTXHVWVFRPSODLQWV

Annual Report 2017-2018 121

 Registrar & Share Transfer Agent (RTA) Company Secretary
M/s. Datamatics Business Solutions Ltd. ,QYHVWRU6HUYLFHV'LYLVLRQ
Unit: Union Bank of India Union Bank of India
3ORW1R%3DUW%&URVVODQH 12th)ORRU&HQWUDO2IÀFH
0,'&$QGKHUL(DVW 9LGKDQ%KDYDQ0DUJ
0XPEDL 1DULPDQ3RLQW0XPEDL
7HO1R 7HO
)D[1R² )D[
(PDLOXELLQYHVWRUV#GDWDPDWLFVESPFRP (PDLOLQYHVWRUVHUYLFHV#XQLRQEDQNRÀQGLDFRP
9.6 Other Communications:
  ,Q DGGLWLRQ WR WLPHO\ UHVSRQVHV WR WKH TXHULHV RI WKH VKDUHKROGHUV WKH %DQN SURDFWLYHO\ VHQGV D KDOI \HDUO\
communication to the shareholders to promote good investors’ relations.
The set of communication sent this year was focused on following areas:
i. Half-yearly performance
  LL ,PSOHPHQWDWLRQRI*UHHQ,QLWLDWLYHLQWKH&RUSRUDWH*RYHUQDQFHLQLWLDWHGE\WKH0LQLVWU\RI&RUSRUDWH$IIDLUV
*RYHUQPHQWRI,QGLD
  Dematerialisation of shares:
  7KH %DQN KDV HQWHUHG LQWR DJUHHPHQWV ZLWK ERWK WKH 'HSRVLWRULHV YL] 1DWLRQDO 6HFXULWLHV 'HSRVLWRULHV /WG
16'/DQG&HQWUDO'HSRVLWRU\6HUYLFHV,QGLD/WG&'6/IRUGHPDWHULDOLVDWLRQRIWKH%DQN·VVKDUHV7KH
,6,1FRGHDOORWWHGWRWKH%DQN·V(TXLW\6KDUHVLVINE692A01016.
  7KHUHIRUH LW LV UHTXHVWHG WKDW WKH VKDUHKROGHUV KROGLQJ WKH VKDUHV LQ SK\VLFDO PRGH PD\ JHW WKHLU VKDUHV
GHPDWHULDOL]HGLQWKHLURZQLQWHUHVWDVLWZLOOVDYHWKHPIURPWKHQHHGRIVDIHFXVWRG\RIWKHVKDUHFHUWLÀFDWHV
ZKLFKDWWLPHVPD\OHDGWRORVVPXWLODWLRQ%HVLGHVWKLVZRXOGDOVRSURYLGHWKHPLQVWDQWOLTXLGLW\DVWKHVKDUHV
of the Bank is traded in demat form. This would also result in easy and faster collection of dividend payments.
3DUWLFXODUVRIVKDUHVLQ'HPDWDQG3K\VLFDOIRUPKHOGE\WKHVKDUHKROGHUVDVRIDUHDVXQGHU

Category No. of Shareholders No. of Shares % of shareholding

Physical  1,26,23,544 
Demat
16'/   29.31
&'6/   69.61
TOTAL 2,47,033 116,85,73,381 100.00
  )XUWKHULQSXUVXDQFHRIWKHFLUFXODULVVXHGE\6(%,DSUDFWLFLQJ&KDUWHUHG$FFRXQWDQW&RPSDQ\6HFUHWDU\
KDVDOVRFRQGXFWHGUHFRQFLOLDWLRQRI6KDUH&DSLWDO$XGLWRQDTXDUWHUO\EDVLV'XULQJWKHFRXUVHRIUHFRQFLOLDWLRQ
RI6KDUH&DSLWDODXGLWQRGLVFUHSDQF\LQXSGDWLRQPDLQWHQDQFHRIWKH5HJLVWHURI0HPEHUVRUSURFHVVLQJRI
GHPDWUHTXHVWVZDVIRXQGDQGWKHFDSLWDOKHOGLQSK\VLFDOPRGHDQGGHPDWPRGHWDOO\ZLWKWKHLVVXHGFDSLWDO
  Market Price, Volume of shares traded in Stock Exchanges:

Months BSE NSE BSE SENSEX

High (`) Low (`) Volume High (`) Low (`) Volume High (`) Low (`)
(Nos.) (Nos.)

Apr' 17        

May'17 205.00   205.10    

Jun' 17  140.45   140.20   

122 Annual Report 2017-2018

Months BSE NSE BSE SENSEX

High (`) Low (`) Volume High (`) Low (`) Volume High (`) Low (`)
(Nos.) (Nos.)

Jul' 17  145.10   146.00 65120062  

Aug' 17 159.25 124.25  159.20 124.00   

Sep' 17 141.00   140.00   32,524.11 

Oct' 17 196.05  14650399 196.05    

Nov' 17  160.60   160.60   

Dec' 17 165.10 140.45  164.90 140.55   32,565.16

Jan' 18 152.20 134.15   134.10   

Feb' 18  99.50   99.50   

Mar' 18 105.95       

Closing Price ` 94.10 ` 94.00

as on 31.03.18

Market Rs 10,996.28 crore ` 10,984.59 crore

Capitalization

Union Bank V/s BSE Sensex

37000.00 200.00
36000.00 190.00
SHARE PRICE (`)
BSE SENSEX (`)

35000.00 180.00
34000.00 170.00
33000.00 160.00
32000.00 150.00
31000.00 140.00
30000.00 130.00
29000.00 120.00
28000.00 110.00
27000.00 100.00
26000.00 90.00
25000.00 80.00
Dec -17
Aug-17

Oct -17
Apr-17

Nov -17

Jan-18
Feb-18
Sep -17
May-17
Jun-17
Jul-17

Mar-18

Sensex Union Bank

6RXUFH16(%6(:HEVLWHZZZQVHLQGLDFRPZZZEVHLQGLDFRP

Annual Report 2017-2018 123

 Union Bank V/s BSE Bankex
32000 200.00
31000 190.00
30000 180.00
29000 170.00

SHARE PRICE (`)

BSE BANKEX (`)
28000 160.00
27000 150.00
26000 140.00
25000 130.00
24000 120.00
23000 110.00
22000 100.00
21000 90.00
20000 80.00

Dec-17
Oct-17
Aug-17
Apr-17

Jan-18
Nov-17
May-17

Sep-17

Feb-18
Jun-17
Jul-17

Mar-18
BANKEX Union Bank

6RXUFH16(%6(:HEVLWHZZZQVHLQGLDFRPZZZEVHLQGLDFRP
9.9 Distribution of Shareholding:
  7KH*RYHUQPHQWRI,QGLDLVKROGLQJFURUHVHTXLW\VKDUHVRI`10 each aggregating to `FURUHVLQWKH
WRWDOLVVXHG VXEVFULEHGFDSLWDORI`FURUHV7KHGLVWULEXWLRQRIVKDUHKROGLQJDVRIDQGDV
RILVDVXQGHU
Shareholding As of 31.03.2018 As of 31.03.2017
No. of % to total No. of shares % to No. of % to No. of shares % to
shareholders total shareholders total total
Upto 500    2.61    4.41
501 to 1000 19,305   1.14    
1001 to 2000 5,394    4,334   
2001 to 3000 1,402  35,33,509 0.30 1,003 0.42 25,21,023 
3001 to 4000  0.23 20,60,120  399   0.21
4001 to 5000 362 0.15  0.14  0.10 11,64,346 
5001 to 10000  0.24 42,55,951 0.36  0.16  0.40
 DERYH    94.61  0.21  
Total 2,47,033 100.00 116,85,73,381 100.00 2,41,369 100.00 68,74,41,117 100.00
The face value of Bank’s share is ` 
9.10 Shareholding pattern:
  7KH6KDUHKROGLQJ3DWWHUQRIWKH%DQN·VVKDUHVDVRIDQGDVRILVDVIROORZV
Category of shareholder As of 31.03.2018 As of 31.03.2017
No. of shares % to total No. of shares % to total
held holding held holding
*RYWRI,QGLD    63.44
1RQ5HVLGHQWV),,V2&%V15,V  5.14  
%DQNV)LQDQFLDO,QVWLWXWLRQV,QVXUDQFH&RV  11.44  11.20
0XWXDO)XQG87,    9.61
'RPHVWLF&RPSDQLHV3ULYDWH&RUSRUDWH    1.90
%RGLHV7UXVW
5HVLGHQW,QGLYLGXDOV  6.06  
Total 116,85,73,381 100.00 68,74,41,117 100.00

124 Annual Report 2017-2018

9.11 List of Top 10 Shareholders of the Bank:
  7KHOLVWRIWRSVKDUHKROGHUVRIWKH%DQNDVRQLVDVIROORZV

Sr. No. Name Shares % To capital

1 3UHVLGHQWRI,QGLD  
2 /LIH,QVXUDQFH&RUSRUDWLRQRI,QGLD 11,33,23,195 
3 +')&7UXVWHH&RPSDQ\/WG$&+')&0LG&DSRSSRUWXQLWLHV  3.40
)XQG
4 ,&,&,3UXGHQWLDO%DODQFHG$GYDQWDJH)XQG 2,90,54,141 2.49
5 ,')&6WHUOLQJ(TXLW\)XQG  
6 7KH1HZ,QGLD$VVXUDQFH&RPSDQ\/LPLWHG  0.64
 1DWLRQDO:HVWPLQVWHU%DQN3OF$V7UXVWHHRI7KH-XSLWHU,QGLD)XQG  0.51
 *RYHUQPHQW3HQVLRQ)XQG*OREDO  
9 87,0LG&DS)XQG 53,31,264 0.46
10 *HQHUDO,QVXUDQFH&RUSRUDWLRQ2I,QGLD  0.44
Total 1,00,73,96,485 86.21
9.12 Unclaimed /Unpaid Dividend:
The amount of dividend that remained unclaimed for a period of seven years from the date of transfer of
GLYLGHQGWRWKH8QSDLG'LYLGHQG$FFRXQWVKDOOEHWUDQVIHUUHGWRWKH,QYHVWRU(GXFDWLRQDQG3URWHFWLRQ)XQG
The list of dividends declared so far and proposed date of transfer for various dividend accounts are given
below:

Period of the Dividend % of dividend declared Proposed Date of

Transfer
Dividend for 2010-11  
Dividend for 2011-12  
Dividend for 2012-13  
Interim Dividend 2013-14  
)LQDO'LYLGHQG  
Dividend for 2014-15  
Dividend for 2015-16  

The sharehoOGHUVZKRKDYHQRWUHFHLYHGRUFODLPHGWKHDERYHGLYLGHQGVWLOOQRZDUHUHTXHVWHGWRPDNHDFODLP
DWWKHHDUOLHVWWRWKH5HJLVWUDU 6KDUH7UDQVIHU$JHQWRUWKH,QYHVWRU6HUYLFHV'LYLVLRQRIWKH%DQN$IRUPDWRI
LQGHPQLW\ERQGLQWKLVUHVSHFWLVDYDLODEOHRQWKHZHEVLWHRIWKHEDQNZZZXQLRQEDQNRÀQGLDFRLQ
9.13 Unclaimed Shares:
a) In Demat Form:
   $V SHU 6FKHGXOH 9, RI WKH 6(%, /LVWLQJ 2EOLJDWLRQV  'LVFORVXUH 5HTXLUHPHQWV  LH 0DQQHU RI
'HDOLQJZLWK8QFODLPHG6KDUHVHUVWZKLOHFODXVH$,RIOLVWLQJDJUHHPHQWWKH%DQNKDVRSHQHGD'HPDW
6XVSHQVH$FFRXQWLQ0DUFKDIWHUFRPSOHWLRQRISURFHGXUHDVLQVWUXFWHGE\6(%,7KHVKDUHVDOORWWHG

Annual Report 2017-2018 125

 to the applicantVDWWKHWLPHRI%DQN·V)32GXULQJEXWQRWFUHGLWHGWRWKHLUUHVSHFWLYHGHPDWDFFRXQW
due to some technical reasons are controlled in this account. The details of the shares lying in this account
are as follows:
Particulars No. of shareholders No. of shares
%DODQFHDVRIO\LQJLQ'HPDW6XVSHQVH$FFRXQW 225 
6KDUHKROGHUV DSSURDFKHG IRU WUDQVIHU GXULQJ WKH ÀQDQFLDO \HDU 3 463

6KDUHKROGHUV WR ZKRP VKDUHV ZHUH WUDQVIHUUHG GXULQJ WKH \HDU 3 463

%DODQFHDVRQO\LQJLQ'HPDW6XVSHQVH$FFRXQW 222 
   7KH YRWLQJ ULJKWV RQ DERYH PHQWLRQHG  VKDUHV VKDOO UHPDLQ IUR]HQ WLOO WKH ULJKWIXO RZQHU RI WKHVH
shares claims the same.
b) In Physical Form:
   $V SHU 6FKHGXOH 9, RI WKH 6(%, /LVWLQJ 2EOLJDWLRQV  'LVFORVXUH 5HTXLUHPHQWV  LH 0DQQHU RI
'HDOLQJZLWK8QFODLPHG6KDUHVHUVWZKLOH&ODXVH$,,RIWKHOLVWLQJDJUHHPHQWLH0DQQHURI'HDOLQJZLWK
8QFODLPHG6KDUHVWKH%DQNKDVRSHQHGD8QFODLPHG6XVSHQVH$FFRXQWLQ0DUFKDIWHUFRPSOHWLRQ
RISURFHGXUHDVLQVWUXFWHGE\6(%,7KHVKDUHVLVVXHGLQSK\VLFDOIRUPGXULQJ,32RIWKH%DQNLQWKH\HDU
2002, which are still unclaimed are controlled in this account. The details of the shares lying in this account
are as follows:
Particulars No. of shareholders No. of shares
%DODQFHDVRIO\LQJLQ'HPDW6XVSHQVH$FFRXQW 4 600
6KDUHKROGHUV DSSURDFKHG IRU WUDQVIHU GXULQJ WKH ÀQDQFLDO \HDU 1,/ 1,/

6KDUHKROGHUV WR ZKRP VKDUHV ZHUH WUDQVIHUUHG GXULQJ WKH \HDU 1,/ 1,/

%DODQFHDVRQO\LQJLQ'HPDW6XVSHQVH$FFRXQW 4 600
   7KHYRWLQJULJKWVRQDERYHPHQWLRQHGVKDUHVVKDOOUHPDLQIUR]HQWLOOWKHULJKWIXORZQHURIWKHVHVKDUHV
claims the same.
10 EXTENT OF COMPLIANCE WITH DISCRETIONARY REQUIREMENTS OF LISTING REGULATIONS
Sr. Discretionary Requirement Extent of Compliance
No.
1. Board
$ QRQH[HFXWLYH &KDLUPDQ VKRXOG EH HQWLWOHG WR *RYHUQPHQWRI,QGLDDSSRLQWHG6KUL.HZDO+DQGD
PDLQWDLQ D &KDLUPDQ·V 2IÀFH DW WKH FRPSDQ\·V DV1RQ([HFXWLYH&KDLUPDQRIWKH%RDUGRI%DQN
expense and also allowed reimbursement of hence complied with.
expenses incurred in performance of his duties.

2. Shareholders’ Rights
$ KDOI\HDUO\ GHFODUDWLRQ RI ÀQDQFLDO SHUIRUPDQFH &RPSOLHGZLWK
LQFOXGLQJ VXPPDU\ RI WKH VLJQLÀFDQW HYHQWV LQ ODVW
six months, may be sent to each household of
shareholders.

126 Annual Report 2017-2018

 Sr. Discretionary Requirement Extent of Compliance
No.
3. 0RGLÀHGRSLQLRQVLQ$XGLW5HSRUW
The listed entity may move towards a regime of 7KHUHKDVEHHQQRPRGLÀHGRSLQLRQLQDXGLWUHSRUW
ÀQDQFLDOVWDWHPHQWVZLWKXQPRGLÀHGDXGLWRSLQLRQ during the year under review, hence complied
with.

4. Separate posts of Chairperson and Chief

([HFXWLYH2IÀFHU
The listed entity may appoint separate persons to 7KHSRVWVRI&KDLUPDQDQG0DQDJLQJ'LUHFWRU 
WKH SRVW RI &KDLUSHUVRQ DQG 0DQDJLQJ 'LUHFWRU RU &(2KDYHEHHQVHSDUDWHGKHQFHFRPSOLHGZLWK
&KLHI([HFXWLYH2IÀFHU

5. Reporting of Internal Auditor

7KH,QWHUQDODXGLWRUPD\UHSRUWGLUHFWO\WRWKH$XGLW $V SHU WKH %RDUG DSSURYHG 5LVN %DVHG ,QWHUQDO
&RPPLWWHH $XGLW3ROLF\WKH,QWHUQDO$XGLWRUVUHSRUWGLUHFWO\WR
WKH *HQHUDO 0DQDJHU &HQWUDO $XGLW  ,QVSHFWLRQ
Department. However, details with latest position of
)ODVK5HSRUWV 6SHFLDO5HSRUWVJLYHQE\LQWHUQDO
DXGLWRUVDUHSODFHGEHIRUHWKH$XGLW&RPPLWWHHRI
the Board.

11 DECLARATION OF CODE OF CONDUCT

 7KH %RDUG KDV ODLG GRZQ D &RGH RI &RQGXFW IRU DOO WKH %RDUG 0HPEHUV DQG 6HQLRU 0DQDJHPHQW RI WKH %DQN
DQGWKHVDPHLVSRVWHGRQWKHZHEVLWHRIWKH%DQN7KH%RDUG0HPEHUVDQG6HQLRU0DQDJHPHQWKDYHDIÀUPHG
FRPSOLDQFHZLWKWKH&RGHRI&RQGXFWIRUWKHÀQDQFLDO\HDU

)RU8QLRQ%DQNRI,QGLD

5DMNLUDQ5DL*
0DQDJLQJ'LUHFWRU &(2
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Date : 10th0D\

Annual Report 2017-2018 

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¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
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ˆÅú ‚¸ê¸¸£ 縿¹ª÷¸¸ ˆÅ¸ „¥¥¸¿‹¸›¸ ª¸½÷¸¸ ª¸½.
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¹›¸¡¸¿°¸μ¸ œÏμ¸¸¥¸ú ˆÅú œÏ¸Ÿ¸¸¹μ¸ˆÅ÷¸¸ ˆÅ¸ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ¹ˆÅ¡¸¸ ª¾ ÷¸˜¸¸ ªŸ¸›¸½ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ‡¨¸¿ ¥¸½‰¸¸œ¸£ú®¸¸ 縹Ÿ¸¹÷¸ ˆÅ¸½ ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸ ˆÅ¸½ ÷¸¾¡¸¸£ ˆÅ£›¸½ ‚˜¸¨¸¸ „總
¨¡¸¨¸ª¸£ Ÿ¸½¿ ¥¸¸›¸½ Ÿ¸½¿ ‚¸›¸½ ¨¸¸¥¸ú ªŸ¸½¿ ±¸¸÷¸ ˆÅ¹Ÿ¸¡¸¸½¿, ù¸¸½ ˆÅ¸½ƒÄ ª¸½¿ ‚¸¾£ „›¸ ˆÅ¹Ÿ¸¡¸¸½¿ ˆÅ¸½ 縺š¸¸£›¸½ ˆ½Å ¹¥¸‡ ¹ˆÅ‡ Š¸‡ ¡¸¸ œÏç÷¸¸¹¨¸÷¸ „œ¸¸¡¸¸½¿ ˆÅú ù¸¸›¸ˆÅ¸£ú ™ú ª¾.
(èú) ªŸ¸›¸½ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ‡¨¸¿ ñ¸¸½èÄ ˆÅú ¥¸½‰¸¸œ¸£ú®¸¸ 縹Ÿ¸¹÷¸ ˆÅ¸½ ¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ ˆÅú ç¸Þ긛¸¸ ™ú ª¾. -
(i) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹¨¸î¸ú¡¸ ¹£œ¸¸½ë’ÄŠ¸ ˆ½Å ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸ Ÿ¸½¿ ªº‡ Ÿ¸º‰¡¸ œ¸¹£¨¸÷¸Ä›¸;
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(iii) ªŸ¸½¿ ±¸¸÷¸ š¸¸½‰¸¸š¸èõú ˆ½Å ç¸ð¸ú œÏŸ¸º‰¸ Ÿ¸¸Ÿ¸¥¸½, ¹ù¸›¸ç¸½ ¡¸¹™ œÏñ¸¿š¸›¸ ¡¸¸ ‡½ç¸¸ ˆÅ¸½ƒÄ ˆÅŸ¸Ä길£ú ù¸ºèõ¸ ª¾; ¹ù¸ç¸ˆÅú ¹¨¸î¸ú¡¸ ¹£œ¸¸½ë’ÄŠ¸ 縿ñ¸¿š¸ú ñ¸ÿˆÅ ˆÅú ‚¸¿÷¸¹£ˆÅ ¹›¸¡¸¿°¸μ¸
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8. …œ¸£ œ¸¾£¸ 1 總 5 Ÿ¸½¿ ™ú Š¸ƒÄ ¥¸½‰¸¸œ¸£ú®¸¸‚¸½¿ ˆÅú ç¸úŸ¸¸‚¸½¿ ˆ½Å ‚š¸ú›¸ ‚¸¾£ ñ¸ÿˆÅˆÅ¸£ú ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸½¿ ˆÅ¸ ‚ù¸Ä›¸ ‚¸¾£ ‚¿÷¸£μ¸) ‚¹š¸¹›¸¡¸Ÿ¸ 1970, ‚¸¾£ „›¸Ÿ¸½¿ ‚œ¸½¹®¸÷¸
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ñ¸ú. ªŸ¸¸£½ ¹¨¸ê¸¸£ 總, ªŸ¸¸£ú ù¸¸›¸ˆÅ¸£ú Ÿ¸½¿ ‚¸‡ ñ¸ÿˆÅ ˆ½Å ¥¸½›¸™½›¸ ñ¸ÿˆÅ ˆ½Å ‚¹š¸ˆÅ¸¹£¡¸¸½¿ ˆ½Å ‚¹š¸ˆÅ¸£ Ÿ¸½¿ ¹ˆÅ‡ Š¸‡ ªÿ; ÷¸˜¸¸
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9. ªŸ¸ ‚¸Š¸½ ç¸Þ¹ê¸÷¸ ˆÅ£÷¸½ ªÿ ¹ˆÅ :
(‡) ƒç¸ ¹£œ¸¸½’Ä Ÿ¸½¿ ¹›¸¹ª÷¸ ÷¸º¥¸›¸ œ¸°¸ ¨¸ ¥¸¸ð¸ ª¸¹›¸ ‰¸¸÷¸¸ ¥¸½‰¸¸ ñ¸¹ª¡¸¸½¿ ÷¸˜¸¸ ¹¨¸¨¸£¹μ¸¡¸¸½¿ ˆ½Å ‚›¸º³œ¸ ª¾.
(ñ¸ú) ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸Ÿ¸¡¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 29 ˆ½Å ‚š¸ú›¸ ñ¸ÿˆÅ ˆ½Å 縸¿¹¨¸¹š¸ˆÅ ¥¸½‰¸¸ œ¸£ú®¸ˆÅ¸½¿ ׸£¸ ¥¸½‰¸¸ œ¸£ú¹®¸÷¸ ©¸¸‰¸¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ 總 縿ñ¸¿¹š¸÷¸ ¹£œ¸¸½’Ä ªŸ¸½¿
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(ç¸ú) ªŸ¸¸£½ Ÿ¸÷¸ 總 ÷¸º¥¸›¸ œ¸°¸, ¥¸¸ð¸ ª¸¹›¸ ‰¸¸÷¸¸ ‚¸¾£ ›¸ˆÅ™ú œÏ¨¸¸ª ¹¨¸¨¸£μ¸, ¥¸¸Š¸Þ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸½¿ ˆ½Å ‚›¸º³œ¸ ªÿ.

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(縙硸 縿. 059649) (縙硸 縿. 071213) (縙硸 縿. 101684)

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(縙硸 縿. 044576) (縙硸 縿. 101998) (縙硸 縿. 048215)
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œ¸Þ¿ù¸ú ‡¨¸¿ ™½¡¸÷¸¸‡¿
œ¸Þ¿ù¸ú 1 11,68,57,34 6,87,44,11
‚¸£¹®¸÷¸ ¹›¸¹š¸¡¸¸¿ ‡¨¸¿ ‚¹š¸©¸½ß¸ 2 2,39,28,19,78 2,27,47,75,23
©¸½¡¸£ ‡þœ¥¸ˆ½Å©¸›¸ ¹›¸¹š¸ - 5,41,00,00
ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 3 40,85,01,63,57 37,58,99,00,98
„š¸¸£ 4 4,56,80,76,81 4,12,25,87,30
‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ 5 81,26,82,01 1,16,03,36,40
ˆºÅ¥¸ 48,74,05,99,51 45,27,04,44,02
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ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸ ‚¸¾£ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ ©¸½ß¸ 7 2,84,24,72,51 1,63,02,05,45
¹›¸¨¸½©¸ 8 12,37,80,12,40 11,21,48,95,95
‚¹ŠÏŸ¸ 9 28,87,60,58,25 28,64,66,57,70
‚긥¸ ‚¸þç÷¸¡¸¸¿ 10 38,33,33,28 38,94,41,50
‚›¡¸ ‚¸þç÷¸¡¸¸¿ 11 2,15,90,76,14 1,73,71,98,68
ˆºÅ¥¸ 48,74,05,99,51 45,27,04,44,02
縿𸸨¡¸ ™½¡¸÷¸¸‡¿ 12 24,15,72,91,92 23,16,00,86,31
縿ŠÏªμ¸ ˆ½Å ¹¥¸‡ ¹ñ¸¥¸ 1,84,27,08,88 1,61,19,39,73
œÏŸ¸º‰¸ ¥¸½‰¸¸ ›¸ú¹÷¸¡¸¸¿ 17
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ªŸ¸¸£ú „Æ÷¸ ¹÷¸¹˜¸ ˆÅú 縿¥¸Š›¸ ¹£œ¸¸½’Ä ˆ½Å ‚›¸ºç¸¸£.
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(縙硸 縿. 044576) (縙硸 縿. 101998) (縙硸 縿. 048215)
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I. ‚¸¡¸
‚¹ù¸Ä÷¸ ñ¡¸¸ù¸ 13 3,27,47,99,92 3,26,59,98,01
‚›¡¸ ‚¸¡¸ 14 49,89,86,84 49,64,59,89
ˆºÅ¥¸ 3,77,37,86,76 3,76,24,57,90
II. ¨¡¸¡¸
¨¡¸¡¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ñ¡¸¸ù¸ 15 2,34,43,33,60 2,37,56,64,48
œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸ 16 67,54,95,60 64,37,84,48
œÏ¸¨¸š¸¸›¸ ‚¸¾£ ‚¸ˆÅþ矸ˆÅ ¨¡¸¡¸ 1,27,86,94,41 68,74,87,63
ˆºÅ¥¸ 4,29,85,23,61 3,70,69,36,59
III. ¨¸ß¸Ä ˆÅ¸ ¥¸¸ð¸ / (ª¸¹›¸) (52,47,36,85) 5,55,21,31
ù¸¸½èõ½¿: ‚¸Š¸½ ¥¸¸¡¸¸ Š¸¡¸¸ ¥¸¸ð¸ 0 36
ˆºÅ¥¸ (52,47,36,85) 5,55,21,67
IV. ¹¨¸¹›¸¡¸¸½ù¸›¸
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œ¸Þ¿ù¸ú ‚¸£¹®¸÷¸ Ÿ¸½¿ ‚¿÷¸£μ¸ 1,11,16,77 2,31,46,67
£¸ù¸ç¨¸ ‚¸¾£ ‚›¡¸ ‚¸£¹®¸÷¸ ¹›¸¹š¸¡¸¸½¿ Ÿ¸½¿ ‚¿÷¸£μ¸ 0 0
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¥¸¸ð¸ ª¸¹›¸ ¥¸½‰¸½ Ÿ¸½¿ ©¸½ß¸ (53,58,53,62) 0
ˆºÅ¥¸ (52,47,36,85) 5,55,21,67
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œÏŸ¸º‰¸ ¥¸½‰¸¸ ›¸ú¹÷¸¡¸¸¿ 17
‰¸¸÷¸¸½¿ 總 縿ñ¸¿¹š¸÷¸ ›¸¸½’ 18
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ªŸ¸¸£ú „Æ÷¸ ¹÷¸¹˜¸ ˆÅú 縿¥¸Š›¸ ¹£œ¸¸½’Ä ˆ½Å ‚›¸ºç¸¸£.
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(縙硸 縿. 059649) (縙硸 縿. 071213) (縙硸 縿. 101684)
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縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£
ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 105215W ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 107758W ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 101169W
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(縙硸 縿. 044576) (縙硸 縿. 101998) (縙硸 縿. 048215)
瘸¸›¸ : Ÿ¸º¿ñ¸ƒÄ
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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 133

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
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‚›¸ºç¸Þê¸ú 1 - œ¸Þ¿ù¸ú :
I. œÏ¸¹š¸ˆÅ¼÷¸:
`10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 30,00,00,00,00 ƒþƨ¸’ú ©¸½¡¸£ 30,00,00,00 30,00,00,00
II. ¹›¸Š¸Ä¹Ÿ¸÷¸, ‚¹ð¸™î¸ ‡¨¸¿ œÏ™î¸ :
i. `10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 7,87,91,46,00 ƒþƨ¸’ú ©¸½¡¸£,
𸸣÷¸ 縣ˆÅ¸£ ׸£¸ š¸¸¹£÷¸ 7,87,91,46 4,36,10,66
(¹œ¸ø¥¸½ ¨¸ß¸Ä 4,36,10,65,97 ƒþƨ¸’ú ©¸½¡¸£)
ii. `10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 3,80,65,88,00 ƒþƨ¸’ú ©¸½¡¸£ 3,80,65,88 2,51,33,45
ù¸›¸÷¸¸ ׸£¸ š¸¸¹£÷¸
(¹œ¸ø¥¸½ ¨¸ß¸Ä 2,51,33,45,20 ƒþƨ¸’ú ©¸½¡¸£)
ˆºÅ¥¸ 11,68,57,34 6,87,44,11

‚›¸ºç¸Þê¸ú 2 - ‚¸£¹®¸÷¸ ¹›¸¹š¸¡¸¸¿ ‡¨¸¿ ‚¹š¸©¸½ß¸ :

I. 縸¿¹¨¸¹š¸ˆÅ ‚¸£¹®¸÷¸ :
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 66,70,61,10 65,31,86,10
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 0 66,70,61,10 1,38,75,00 66,70,61,10

II. œ¸Þ¿ù¸ú ‚¸£¹®¸÷¸:

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 10,79,56,50 8,48,09,83
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 1,11,16,77 11,90,73,27 2,31,46,67 10,79,56,50

III. œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ ‚¸£¹®¸÷¸ :

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 24,56,79,77 25,81,23,72
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 0 0
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 1,14,92,02 23,41,87,75 1,24,43,95 24,56,79,77

IV. ©¸½¡¸£ œÏú¹Ÿ¸¡¸Ÿ¸ :

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 44,84,37,91 44,84,37,91
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 65,83,86,77 0
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 17,80,96 1,10,50,43,72 0 44,84,37,91
V. £¸ù¸ç¨¸ ‚¸£¹®¸÷¸ :
i) £¸ù¸ç¨¸ ‡¨¸¿ ‚›¡¸ ‚¸£¹®¸÷¸ :
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 50,73,91,75 49,60,42,75
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 3,09,20,02 1,13,49,00
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 3,62,91,97 0
ˆºÅ¥¸ 50,20,19,80 50,73,91,75
ii) ‚¸¡¸ˆÅ£ ‚¹š¸¹›¸¡¸Ÿ¸, 1961 ˆÅú ¹¨¸©¸½ß¸ ‚¸£¹®¸÷¸ š¸¸£¸ 36(1)(viii) ˆ½Å
‚¿÷¸Š¸Ä÷¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 28,75,00,00 26,90,00,00
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 0 1,85,00,00
ˆºÅ¥¸ 28,75,00,00 28,75,00,00
iii) ¹¨¸™½©¸ú Ÿ¸ºÍ¸ œ¸¹£¨¸÷¸Ä›¸ ‚¸£¹®¸÷¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 1,07,48,20 1,07,75,91
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 41,94,01 17,16,48
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 11,54,45 17,44,19
ˆºÅ¥¸ 1,37,87,76 80,33,07,56 1,07,48,20 80,56,39,95
VI. ¥¸¸ð¸-ª¸¹›¸ ‰¸¸÷¸½ Ÿ¸½¿ ©¸½ß¸ (53,58,53,62) -
ˆºÅ¥¸ 2,39,28,19,78 2,27,47,75,23

134 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 3 - ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ :
ˆÅ.
I. Ÿ¸¸¿Š¸ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿
i) ñ¸ÿˆÅ¸½¿ 總 4,72,80,37 4,99,72,53
ii) ‚›¡¸ 總 2,45,85,54,04 2,50,58,34,41 2,32,43,99,12 2,37,43,71,65
II. ñ¸ê¸÷¸ ñ¸ÿˆÅ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 11,41,82,88,41 10,40,72,42,64
III. Ÿ¸ú¡¸¸™ú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿
i) ñ¸ÿˆÅ¸½¿ 總 65,64,72,87 75,23,06,22
ii) ‚›¡¸¸½¿ 總 26,26,95,67,88 26,92,60,40,75 24,05,59,80,47 24,80,82,86,69
ˆºÅ¥¸ 40,85,01,63,57 37,58,99,00,98
‰¸.
i). 𸸣÷¸ Ÿ¸½¿ þ瘸÷¸ ©¸¸‰¸¸‚¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 40,31,96,56,55 36,92,83,09,96
ii). 𸸣÷¸ ˆ½Å ñ¸¸ª£ þ瘸÷¸ ©¸¸‰¸¸‚¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 53,05,07,02 66,15,91,02
ˆºÅ¥¸ 40,85,01,63,57 37,58,99,00,98

‚›¸ºç¸Þê¸ú 4 - „š¸¸£ :
ˆÅ) „š¸¸£ : œ¸Þ¿ù¸ú ¹¥¸‰¸÷¸
I. ©¸¸æ¸÷¸ ñ¸¸¿è 45,40,00,00 42,40,00,00
II. ‚œ¸£ ¹’¡¸£ II œ¸Þ¿ù¸ú 15,00,00,00 15,00,00,00
III. ¥¸¸½‚£ ¹’¡¸£ II œ¸Þ¿ù¸ú 67,50,00,00 67,50,00,00
‰¸) 𸸣÷¸ Ÿ¸½¿ „š¸¸£
I. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ 總 65,86,00,00 0
II. ‚›¡¸ ñ¸ÿˆÅ¸½¿ 總 0 0
III. ‚›¡¸ 縿瘸¸‚¸½ ‡¨¸¿ ‡ù¸½¿¹ç¸¡¸¸½¿ 總 11,96,37,90 77,82,37,90 17,51,18,59 17,51,18,59
Š¸) 𸸣÷¸ 總 ñ¸¸ª£ „š¸¸£ 2,51,08,38,91 2,69,84,68,71
ˆºÅ¥¸ 4,56,80,76,81 4,12,25,87,30

„œ¸¡¸ºÄÆ÷¸ (ñ¸ú) I ‡¨¸¿ (ñ¸ú) III Ÿ¸½¿ ç¸þŸŸ¸¹¥¸÷¸ œÏ¹÷¸ð¸Þ÷¸ „š¸¸£ 65,86,00,00 6,41,11,76

‚›¸ºç¸Þê¸ú 5 - ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ :

I. ™½¡¸ ¹ñ¸¥¸ 12,63,61,10 14,95,55,51
II. „œ¸¹ê¸÷¸ ñ¡¸¸ù¸ 17,45,18,43 16,54,79,81
III. ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸‡¿ 0 0
IV. ‚›¡¸ (œÏ¸¨¸š¸¸›¸ 縹ª÷¸) 51,18,02,48 84,53,01,08
ˆºÅ¥¸ 81,26,82,01 1,16,03,36,40

‚›¸ºç¸Þê¸ú 6 - ›¸ˆÅ™ú ‡¨¸¿ 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸ :

I. š¸¸¹£÷¸ ›¸ˆÅ™ú
(¹¨¸™½©¸ú ˆÅ£½¿ç¸ú ›¸¸½’ ‡¨¸¿ 稸μ¸Ä 縹ª÷¸) 12,90,34,40 10,30,79,64
II. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸
길¥¸Þ ‰¸¸÷¸½ Ÿ¸½¿ 1,97,26,12,53 1,54,89,65,10
ˆºÅ¥¸ 2,10,16,46,93 1,65,20,44,74

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 135

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 7 - ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸ ‚¸¾£ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸ :
I. 𸸣÷¸ Ÿ¸½¿ þ瘸÷¸ ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸
i) ˆÅ) 길¥¸Þ ‰¸¸÷¸¸½¿ Ÿ¸½¿ 56,85,65 39,30,18
‰¸) ‚›¡¸ ù¸Ÿ¸¸ ‰¸¸÷¸¸½ Ÿ¸½¿ 71,24,26,81 56,08,93,29
ii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸
ˆÅ) ñ¸ÿˆÅ¸½¿ 總 1,19,28,91,33 0
‰¸) ‚›¡¸ 縿瘸¸‚¸½¿ 總 0 1,91,10,03,79 0 56,48,23,47
II. 𸸣÷¸ ˆ½Å ñ¸¸ª£
i) 길¥¸Þ ‰¸¸÷¸¸½¿ Ÿ¸½¿ 4,29,34,63 1,31,89,42
ii) ‚›¡¸ ù¸Ÿ¸¸ ‰¸¸÷¸¸½ Ÿ¸½¿ 87,68,99,77 1,03,42,39,11
iii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸ 1,16,34,33 93,14,68,73 1,79,53,45 1,06,53,81,98
ˆºÅ¥¸ 2,84,24,72,51 1,63,02,05,45

‚›¸ºç¸Þê¸ú 8 - ¹›¸¨¸½©¸ :
I. 𸸣÷¸ Ÿ¸½¿ ¹›¸¨¸½©¸
i) 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ Ÿ¸½¿ 9,73,49,04,21 8,75,51,01,54
ii) ©¸½¡¸£¸½¿ Ÿ¸½¿ 18,46,94,21 20,06,06,19
iii) ¹èñ¸½¿ê¸£ ‡¨¸¿ ñ¸¸Áμ踽¿ Ÿ¸½¿ 1,94,53,59,86 1,72,21,70,14
iv) 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸¸½¿ Ÿ¸½¿ 2,67,31,68 2,27,31,69
v) ‚›¡¸ (¨¸¸¹μ¸þù¡¸ˆÅ œ¸°¸, Ÿ¡¸ºê¸º‚¥¸ û¿Åè, ¨¸½¿ê¸£ ˆ¾Å¹œ¸’¥¸, œÏ¹÷¸ð¸Þ¹÷¸ 23,58,43,59 32,40,99,28
£ç¸ú™¸½¿ ‚¸¹™ Ÿ¸½¿)
ˆºÅ¥¸ 12,12,75,33,55 11,02,47,08,84
II. 𸸣÷¸ 總 ñ¸¸ª£ ¹›¸¨¸½©¸
i) 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ Ÿ¸½¿ (瘸¸›¸ú¡¸ œÏ¸¹š¸ˆÅ¸¹£¡¸¸½¿ 縹ª÷¸) 14,38,92,58 9,39,90,10
ii) ©¸½¡¸£¸½¿ Ÿ¸½¿ 40,32 40,32
iii) ‚›¡¸ ¹›¸¨¸½©¸ (ñ¸¸Áμ踽¿ Ÿ¸½¿) 4,86,96,44 4,47,22,18
iv) 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸ Ÿ¸½¿ 5,78,49,50 5,14,34,51
ˆºÅ¥¸ 25,04,78,85 19,01,87,11

ˆºÅ¥¸ 12,37,80,12,40 11,21,48,95,95

III. i) 𸸣÷¸ Ÿ¸½¿ ¹›¸¨¸½©¸
縈ť¸ Ÿ¸Þ¥¡¸ 12,40,19,17,58 11,14,29,54,89
Ÿ¸Þ¥¡¸ã¸ç¸ ª½÷¸º œÏ¸¨¸š¸¸›¸ 27,43,84,03 11,82,46,05
¹›¸¨¸¥¸ Ÿ¸Þ¥¡¸ 12,12,75,33,55 11,02,47,08,84
ii) 𸸣÷¸ 總 ñ¸¸ª£ ¹›¸¨¸½©¸
縈ť¸ Ÿ¸Þ¥¡¸ 25,05,28,23 19,03,76,30
Ÿ¸Þ¥¡¸ã¸ç¸ ª½÷¸º œÏ¸¨¸š¸¸›¸ 49,38 1,89,19
¹›¸¨¸¥¸ Ÿ¸Þ¥¡¸ 25,04,78,85 19,01,87,11
ˆºÅ¥¸ 12,37,80,12,40 11,21,48,95,95

136 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 9 - ‚¹ŠÏŸ¸ (¹›¸¨¸¥¸)
ˆÅ. i) ‰¸£ú™½ ‚¸¾£ 𸺛¸¸‡ Š¸‡ ¹ñ¸¥¸ 88,93,93,48 1,18,24,74,43
ii) ˆ¾Å©¸ ǽŹè’, ‚¸½¨¸£èï¸É’ ‚¸¾£
Ÿ¸¸¿Š¸ œ¸£ œÏ¹÷¸™½¡¸ †μ¸ 13,24,87,82,92 13,32,53,28,33
iii) Ÿ¸ú¡¸¸™ú †μ¸ 14,73,78,81,85 14,13,88,54,95
ˆºÅ¥¸ 28,87,60,58,25 28,64,66,57,70
‰¸. i) Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸½¿ ׸£¸ œÏ¹÷¸ð¸Þ÷¸
(ñ¸ªú †μ¸ ˆ½Å œ¸½’½ ‚¹ŠÏŸ¸¸½¿ 縹ª÷¸) 25,64,42,25,53 24,96,01,06,14
ii) ñ¸ÿˆÅ / 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿½ ׸£¸ 縿£¹®¸÷¸ 1,01,54,67,51 1,11,23,87,13
iii) ‚œÏ¹÷¸ð¸Þ÷¸ 2,21,63,65,21 2,57,41,64,44
ˆºÅ¥¸ 28,87,60,58,25 28,64,66,57,70
Š¸. ‚¹ŠÏŸ¸¸½¿ ˆÅ¸ ®¸½°¸¨¸¸£ ¨¸Š¸úĈţμ¸
I. 𸸣÷¸ Ÿ¸½¿ ‚¹ŠÏŸ¸:
i) œÏ¸˜¸¹Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ 1,10,55,68,314 1,04,21,90,027
ii) 縸¨¸Äù¸¹›¸ˆÅ ®¸½°¸ 2,50,78,14,78 1,67,62,97,70
iii) ñ¸ÿˆÅ 3,17 26,51,94,23
iv) ‚›¡¸ 12,92,07,32,46 13,42,20,18,32
ˆºÅ¥¸ 26,48,42,33,55 25,78,54,10,52
II. 𸸣÷¸ ˆ½Å ñ¸¸ª£ ‚¹ŠÏŸ¸:
i) ñ¸ÿˆÅ¸½¿ 總 œÏ¸œ¡¸ 72,82,29,73 84,71,56,56
ii) ‚›¡¸ 總 œÏ¸œ¡¸
ˆÅ) ‰¸£ú™½ ‡¨¸¿ 𸺛¸¸‡ Š¸‡ ¹ñ¸¥¸ 58,62,42,36 83,29,30,75
‰¸) ë縹舽Œ½è †μ¸ 2,23,98,63 3,59,61,38
Š¸) ‚›¡¸ 1,05,49,53,98 1,14,51,98,49
ˆºÅ¥¸ 2,39,18,24,70 2,86,12,47,18

ˆºÅ¥¸ 28,87,60,58,25 28,64,66,57,70

‚›¸ºç¸Þê¸ú 10 - ‚긥¸ ‚¸þç÷¸¡¸¸¿ :
ˆÅ. Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸¿
I. œ¸¹£ç¸£
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸/Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ œ¸£ 37,98,39,04 37,22,51,94
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 33,66,06 79,73,10
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 0 3,86,00
38,32,05,10 37,98,39,04
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 9,70,44,95 28,61,60,15 8,28,65,12 29,69,73,92
II. œÏ¹ÇÅ¡¸¸š¸ú›¸ œ¸Þ¿ù¸úŠ¸÷¸ ˆÅ¸¡¸Ä
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 20,93,38 11,78,33
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 27,17,73 9,43,45
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 14,61,94 33,49,17 28,40 20,93,38
III. ð¸Þ¹Ÿ¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 76,30,34 72,68,05
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 0 3,62,29
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 6,77,21 0
69,53,13 76,30,34
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 5,44,15 64,08,98 4,66,14 71,64,20

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 137

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
IV. ‚›¡¸ ‚긥¸ ‚¸þç÷¸¡¸¸¿
(ûÅ›¸úÄê¸ç¸Ä ‡¨¸¿ ¹ûÅÆç¸ê¸ç¸Ä 縹ª÷¸)
ˆÅ) œ¸Ø½ œ¸£ ™ú Š¸¡¸ú ‚¸þç÷¸¡¸¸¿
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 26,53,52 26,53,52
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 26,53,52 0 26,53,52 0
‰¸) ‚›¡¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸/Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ œ¸£ 24,01,48,69 22,47,94,72
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 2,50,78,69 2,01,06,12
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 58,14,18 47,52,15
25,94,13,20 24,01,48,69
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ (¹›¸¨¸¥¸) 17,49,91,40 8,44,21,80 15,93,01,43 8,08,47,26

‰¸. ‚Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸¿

ˆ¿Åœ¡¸Þ’£ 縸ÁÉ’¨¸½¡¸£
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 2,15,22,52 1,96,87,02
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 26,91,37 22,71,72
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 8,65,00 4,36,22
2,33,48,89 2,15,22,52
‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ œ¸¹£©¸¸½¹š¸÷¸ (¹›¸¨¸¥¸) 2,03,55,71 29,93,18 1,91,59,78 23,62,74
ˆºÅ¥¸ 38,33,33,28 38,94,41,50
‚›¸ºç¸Þê¸ú 11 - ‚›¡¸ ‚¸þç÷¸¡¸¸¿ :
I. ‚¿÷¸£ˆÅ¸¡¸¸Ä¥¸¡¸ú›¸ 縟¸¸¡¸¸½ù¸›¸ (¹›¸¨¸¥¸) 2,17,67,38 14,86,17,49
II. „œ¸¹ê¸÷¸ ñ¡¸¸ù¸ 35,29,57,86 23,78,73,99
III. ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸¿ 41,92,87,00 22,94,16,00
IV. ¥¸½‰¸›¸ 縸Ÿ¸ŠÏú ‡¨¸¿ ç’¸Ÿœ¸ 3,89,64 3,15,27
V. ™¸¨¸¸½¿ ˆ½Å 縟¸¸š¸¸›¸ 總 ‚¹ù¸Ä÷¸ Š¸¾£-ñ¸ÿˆÅˆÅ¸£ú ‚¸þç÷¸¡¸¸¿ 3,90 3,90
VI. ‚›¡¸ 1,36,46,70,36 1,12,09,72,03
ˆºÅ¥¸ 2,15,90,76,14 1,73,71,98,68

‚›¸ºç¸Þê¸ú 12 - 縿𸸨¡¸ ™½¡¸÷¸¸‡¿ :

I. ñ¸ÿˆÅ ˆ½Å ¹¨¸²Ö ™¸¨¸½, ¹ù¸›ª½¿ †μ¸ ˆ½Å ²œ¸ Ÿ¸½¿ 稸úˆÅ¸£ ›¸ªì ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ 34,42,10,19 35,32,46,29
II. ‚¿©¸÷¸: œÏ™î¸ ¹›¸¨¸½©¸¸½¿ ˆ½Å ¹¥¸‡ ™½¡¸÷¸¸‡¿ 59,20 59,20
III. ñ¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¹¨¸¹›¸Ÿ¸¡¸ 縿¹¨¸™¸‚¸½¿ ˆ½Å ˆÅ¸£μ¸ ™½¡¸÷¸¸‡¿ 18,36,90,35,19 18,04,39,10,57
IV. 縿‹¸’ˆÅ¸½¿ ˆÅú ‚¸½£ 總 ™ú Š¸¡¸ú Š¸¸£¿’ú
ˆÅ) 𸸣÷¸ Ÿ¸½¿ 1,97,44,97,13 1,45,66,77,78
‰¸) 𸸣÷¸ 總 ñ¸¸ª£ 3,55,36,11 2,01,00,33,24 5,18,67,48 1,50,85,45,26
V. 稸úˆÅ¼¹÷¸¡¸¸¿, œ¸¼ß¶¸¿ˆÅ›¸ ‡¨¸¿ ‚›¡¸ ñ¸¸š¡¸÷¸¸‡¿ 3,03,30,98,80 3,00,31,19,04
VI. ‚›¡¸ Ÿ¸™½¿, ¹ù¸›¸ˆ½Å ¹¥¸‡ ñ¸ÿˆÅ 縿𸸨¡¸ ²œ¸ 總 „™¸¡¸ú ª¾
ˆÅ) ‚œ¸ú¥¸ ˆ½Å ‚š¸ú›¸ ¹¨¸¨¸¸™¸çœ¸™ ˆÅ£ Ÿ¸¸¿Š¸ 30,34,78,30 24,29,83,75
‰¸) èú ƒÄ ‡ ‡ûÅ ¡¸¸½ù¸›¸¸ - 2014 Ÿ¸½¿ ‚¿÷¸¹£÷¸ £¸¹©¸ 9,73,77,00 82,22,20
40,08,55,30 25,12,05,95
ˆºÅ¥¸ 24,15,72,91,92 23,16,00,86,31

138 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 13 - ‚¹ù¸Ä÷¸ ñ¡¸¸ù¸ :
I. ‚¹ŠÏŸ¸¸½¿/¹ñ¸¥¸¸½¿ œ¸£ ñ¡¸¸ù¸/ñ¸Ø¸ 2,27,72,97,52 2,29,43,10,10
II. ¹›¸¨¸½©¸¸½¿ 總 ‚¸¡¸ 87,79,96,52 86,95,09,60
III. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ ˆ½Å ù¸Ÿ¸¸©¸½ß¸¸½¿ ‚¸¾£ ‚›¡¸ ‚¿÷¸£ ñ¸ÿˆÅ ¹›¸¹š¸¡¸¸½¿ œ¸£ œÏ¸œ÷¸ ñ¡¸¸ù¸ 11,39,37,36 8,80,53,76
IV. ‚›¡¸ 55,68,52 1,41,24,55
ˆºÅ¥¸ 3,27,47,99,92 3,26,59,98,01

‚›¸ºç¸Þê¸ú 14 - ‚›¡¸ ‚¸¡¸ :

I. ˆÅŸ¸ú©¸›¸, ¹¨¸¹›¸Ÿ¸¡¸ ‚¸¾£ ™¥¸¸¥¸ú 5,21,81,71 4,68,72,64
II. ¹›¸¨¸½©¸¸½¿ ˆÅú ¹ñ¸ÇÅú 總 ¥¸¸ð¸ (¹›¸¨¸¥¸) 12,66,34,08 20,58,66,29
III. ð¸Þ¹Ÿ¸, 𸨸›¸¸½¿ ‚¸¾£ ‚›¡¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¨¸ÇÅ¡¸ 總 ¥¸¸ð¸/(ª¸¹›¸) (¹›¸¨¸¥¸) (8,46,59) 25,83,22
IV. ¹¨¸¹›¸Ÿ¸¡¸ 縿¨¡¸¨¸ª¸£¸½¿ 總 ¥¸¸ð¸ (¹›¸¨¸¥¸) 8,92,52,90 9,52,33,80
V. ‚›¡¸ ‚¸¡¸ 23,17,64,74 14,59,03,94
ˆºÅ¥¸ 49,89,86,84 49,64,59,89

‚›¸ºç¸Þê¸ú 15 - ¨¡¸¡¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ñ¡¸¸ù¸ :

I. ù¸Ÿ¸¸£¸¹©¸¡¸¸½¿ œ¸£ ñ¡¸¸ù¸ 2,15,56,15,63 2,19,99,09,38
II. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ/‚¿÷¸£-ñ¸ÿˆÅ „š¸¸£ú œ¸£ ñ¡¸¸ù¸ 8,52,92,82 4,80,60,80
III. ‚›¡¸ 10,34,25,15 12,76,94,30
ˆºÅ¥¸ 2,34,43,33,60 2,37,56,64,48

‚›¸ºç¸Þê¸ú 16 - œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸ :

I. ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅ¸½ ¹ˆÅ‡ Š¸‡ 𸺊¸÷¸¸›¸ ‡¨¸¿ „›¸ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 32,55,23,36 34,34,20,28
II. ¹ˆÅ£¸¡¸¸, ˆÅ£ ‚¸¾£ ¹ñ¸ù¸¥¸ú 5,64,39,34 5,11,33,33
III. ëœÏë’Š¸ ‚¸¾£ ç’½©¸›¸£ú 56,57,48 58,12,21
IV. ¹¨¸±¸¸œ¸›¸ ‡¨¸¿ œÏ길£ 56,93,65 66,98,32
V. ñ¸ÿˆÅ ˆÅú 縿œ¸¹î¸ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 3,62,71,11 2,36,03,98
VI. ¹›¸™½©¸ˆÅ¸½¿ ˆÅú ûÅúç¸, ð¸î¸½ ‡¨¸¿ ¨¡¸¡¸ 88,18 83,73
VII. œÏñ¸¿š¸/ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ¸½¿ ˆÅ¸½ œ¸¸¹£ý¹Ÿ¸ˆÅ 1,04,63 72,39
VIII. ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ˆÅú ûÅúç¸ ‚¸¾£ ¨¡¸¡¸ (©¸¸‰¸¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ 縹ª÷¸) 54,34,39 41,12,88
IX. ¹¨¸¹š¸ œÏ𸸣 36,97,84 21,86,12
X. 踈Š‰¸ê¸Ä, ÷¸¸£ ‡¨¸¿ ’½¥¸úûŸ½›¸ ‚¸¹™ 93,70,07 78,95,96
XI. Ÿ¸£ŸŸ¸÷¸ ‡¨¸¿ £‰¸£‰¸¸¨¸ 1,17,76,11 1,14,15,34
XII. ñ¸úŸ¸¸ 3,93,17,38 3,77,00,03
XIII. ‚›¡¸ ¨¡¸¡¸ 17,61,22,06 14,96,49,91
ˆºÅ¥¸ 67,54,95,60 64,37,84,48

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 139

 ¨¸ß¸Ä 2017-2018 ˆ½ ¥¸½‰¸¸½¿ ˆÅú ‚›¸ºç¸Þ¹ê¸¡¸¸¿
‚›¸ºç¸Þê¸ú 17-Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¥¸½‰¸¸ ›¸ú¹÷¸¡¸¸¿ :
1 ¥¸½‰¸¸¿ˆÅ›¸ œ¸Ö¹÷¸ :
¡¸½ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸, ¡¸¹™ ‚›¡¸˜¸¸ ¨¸¹μ¸Ä÷¸ ›¸ ª¸½, 𸸣÷¸ Ÿ¸½¿ ¥¸½‰¸¸ñ¸¿™ú ª½÷¸º
縸Ÿ¸¸›¡¸÷¸: 稸úˆÅ¼÷¸ ¹ç¸Ö¸¿÷¸¸½¿ (ù¸ú‡‡œ¸ú), ¹ù¸ç¸Ÿ¸½¿ ¥¸¸Š¸Þ 縸¿¹¨¸¹š¸ˆÅ œÏ¸¨¸š¸¸›¸,
𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ (𸸹£ñ¸ÿ) ׸£¸ 縟¸¡¸-縟¸¡¸ œ¸£ ù¸¸£ú œ¸¹£œ¸°¸¸½¿ ‡¨¸¿
¹™©¸¸¹›¸™½Ä©¸¸½¿, ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸¡¸Ÿ¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸,1949 ׸£¸ ¹›¸š¸¸Ä¹£÷¸ ¹›¸¡¸¸Ÿ¸ˆÅ
Ÿ¸¸›¸™¿è¸½¿/¹™©¸¸¹›¸™½Ä©¸¸½¿, ƒ¿ç’ú’á¸Þ’ ‚¸ÁûŠ길’ÄèÄ ‡ˆÅ¸„¿’½¿’ç¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸
׸£¸ ù¸¸£ú Ÿ¸¸›¸ˆÅ ¥¸½‰¸¸¿ˆÅ›¸ ÷¸˜¸¸ 𸸣÷¸ú¡¸ ñ¸ÿëˆÅŠ¸ „Ô¸¸½Š¸ Ÿ¸½¿ Ÿ¸¸¾ù¸Þ™¸ ³œ¸
總 ¥¸¸Š¸Þ œÏ긹¥¸÷¸ 縸Ÿ¸¸›¡¸ ¨¡¸¨¸ª¸£¸½¿ ˆÅ¸ œ¸¸¥¸›¸ ˆÅ£÷¸½ ªº‡ ç¸ð¸ú Ÿ¸ª÷¨¸œ¸Þμ¸Ä
œ¸ª¥¸º‚¸½¿ ˆ½Å ‚›¸º³œ¸, œÏ긹¥¸÷¸ ¥¸½‰¸¸ñ¸¿™ú ˆ½Å „œ¸ê¸¡¸ ‚¸š¸¸£ œ¸£ ‡½¹÷¸ª¸¹ç¸ˆÅ
¥¸¸Š¸÷¸ £ú¹÷¸ ˆ½Å ‚›÷¸Š¸Ä÷¸ ÷¸¾¡¸¸£ ¹ˆÅ‡ Š¸‡ ªÿ. ¹¨¸™½©¸ú ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿
縿ñ¸¿¹š¸÷¸ ™½©¸ Ÿ¸½¿ ¥¸¸Š¸Þ ¨¡¸¨¸ª¸£ ˆ½Å 縸¿¹¨¸¹š¸ˆÅ œÏ¸¨¸š¸¸›¸¸½¿ ˆÅ¸ ‚›¸ºœ¸¸¥¸›¸ ¹ˆÅ¡¸¸
Š¸¡¸¸ ª¾.
2 ‚›¸ºŸ¸¸›¸¸½¿ ˆÅ¸ „œ¸¡¸¸½Š¸ :
ù¸ú‡‡œ¸ú ˆ½Å 縸˜¸ ‚›¸º²œ¸÷¸¸ Ÿ¸½¿ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸¸½¿
ˆÅú ÷¸¾¡¸¸£ú Ÿ¸½¿, œÏñ¸¿š¸›¸ ˆÅ¸½ ¹£œ¸¸½’Ä ˆÅú Š¸ƒÄ ‚¸þç÷¸¡¸¸½¿ ¨¸ ™½¡¸÷¸¸‚¸½¿ (‚¸ˆÅþ矸ˆÅ
™½¡¸÷¸¸‚¸½¿ 縹ª÷¸) ‚¸¾£ ¹£œ¸¸½ë’ÄŠ¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¹£œ¸¸½’Ä ¹ˆÅ¡¸½ Š¸¡¸½ ‚¸¡¸ ‚¸¾£
¨¡¸¡¸ ˆ½Å ñ¸¸£½ Ÿ¸½¿ ‚›¸ºŸ¸¸›¸ ¥¸Š¸¸›¸½ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ª¸½÷¸ú ª¾. œÏñ¸¿š¸›¸ ˆÅ¸½ ¹¨¸æ¸¸ç¸
ª¾ ¹ˆÅ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ ÷¸¾¡¸¸£ ˆÅ£›¸½ Ÿ¸½¿ œÏ¡¸ºÆ÷¸ ¹ˆÅ¡¸½ Š¸¡¸½ ‚›¸ºŸ¸¸›¸ ¹¨¸¨¸½ˆÅœ¸Þμ¸Ä
‡¨¸¿ ¡¸º¹Æ÷¸ç¸¿Š¸÷¸ ªÿ. ¨¸¸ç÷¸¹¨¸ˆÅ œ¸¹£μ¸¸Ÿ¸ ƒ›¸ ‚›¸ºŸ¸¸›¸¸½¿ 總 ‚¥¸Š¸ ª¸½ 縈Å÷¸½ ªÿ.
¥¸½‰¸¸¿ˆÅ›¸ ‚›¸ºŸ¸¸›¸¸½¿ Ÿ¸½¿ ˆÅ¸½ƒÄ ð¸ú 縿©¸¸½š¸›¸ ¨¸÷¸ÄŸ¸¸›¸ ‚¸¾£ 𸹨¸ß¡¸ ˆÅú ‚¨¸¹š¸ Ÿ¸½¿
縿𸸹¨¸÷¸ ²œ¸ 總 œ¸ªê¸¸›¸¸ ù¸¸÷¸¸ ª¾.
3 £¸ù¸ç¨¸ ˆÅú œ¸ªê¸¸›¸ :
I. ù¸ñ¸ ÷¸ˆÅ ‚›¡¸˜¸¸ „þ¥¥¸¹‰¸÷¸ ›¸ ª¸½, ‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ ˆÅú Š¸μ¸›¸¸
縸Ÿ¸¸›¡¸÷¸: „œ¸ê¸¡¸ ‚¸š¸¸£ œ¸£ ˆÅú Š¸ƒÄ ª¾.
II. Š¸¾£-¹›¸ßœ¸¸™ˆÅ ‚¸þç÷¸¡¸¸½¿ (‡›¸œ¸ú‡) œ¸£ ‚¸¡¸ ˆÅú œ¸ªê¸¸›¸, 𸸣÷¸ú¡¸
¹£ùö¸¨¸Ä ñ¸ÿˆÅ ׸£¸ ¹›¸š¸¸Ä¹£÷¸ ¹¨¸¨¸½ˆÅœ¸Þμ¸Ä Ÿ¸¸›¸™¿è¸½¿ ˆ½Å ‚›¸ºç¸¸£, ¨¸ç¸Þ¥¸ ˆÅú
Š¸ƒÄ ç¸úŸ¸¸ ÷¸ˆÅ ˆÅú Š¸ƒÄ ª¾. ¹œ¸ø¥¸½ ¨¸ß¸Ä ‚œÏ¸œ÷¸ ‚¸¡¸ ˆÅú Š¸μ¸›¸¸ ‚¸¾£ ñ¸ê¸ú
ªºƒÄ ‚œÏ¸œ÷¸ ‚¸¡¸ ˆÅú Š¸μ¸›¸¸ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ‡›¸œ¸ú‡ ý½μ¸ú Ÿ¸½¿ ¨¸Š¸úĈż÷¸
‚¸þç÷¸ ˆ½Å ³œ¸ Ÿ¸½¿ ˆÅú Š¸ƒÄ ª¾.
III. ‚¹ù¸Ä÷¸ ˆÅŸ¸ú©¸›¸, ¹¨¸¹›¸Ÿ¸¡¸ ‡¨¸¿ ñϸ½ˆÅ£½ù¸, (÷¸¼÷¸ú¡¸ œ¸®¸ „÷œ¸¸™ 總 œÏ¸œ÷¸
‚¸¡¸ 縹ª÷¸) 縺£¹®¸÷¸ ù¸Ÿ¸¸ ¥¸¸ÁˆÅ£¸½¿ ˆÅ¸ ¹ˆÅ£¸¡¸¸ ‚¸¾£ ñ¸¸Á¡¸¸½Ÿ¸¾¹’ïÆç¸
ˆÅ¸èÄ œ¸£ ˆÅŸ¸ú©¸›¸, ‚¸š¸¸£ ˆÅ¸èÄ ç¸½ ‚¸¡¸ ‚¸¹™ œÏ¸þœ÷¸ ˆ½Å ‚¸š¸¸£ œ¸£
¥¸½‰¸¸¿¹ˆÅ÷¸ ¹ˆÅ‡ Š¸‡ ªÿ.
IV. œ¸¹£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¹£÷¸ (‡ê¸’ú‡Ÿ¸) ý½μ¸ú ˆ½Å ¹›¸¨¸½©¸¸½¿ œ¸£ œÏ¸œ÷¸ ‚¸¡¸
(ñ¡¸¸ù¸ ˆ½Å ‚¹÷¸¹£Æ÷¸) ˆÅú œ¸ªê¸¸›¸, ‚¿¹ˆÅ÷¸ Ÿ¸Þ¥¡¸ œ¸£ øÞ’ ˆ½Å ‚¸š¸¸£ œ¸£
¹›¸Ÿ›¸¸›¸ºç¸¸£ ˆÅú Š¸ƒÄ ª¾:
‡) ñ¡¸¸ù¸ ¨¸¸¥¸ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ œ¸£ œÏ¸œ÷¸ ‚¸¡¸, ˆ½Å¨¸¥¸ ¹¨¸ÇÅ¡¸/©¸¸½š¸›¸ ˆ½Å
縟¸¡¸ ªú œÏ¸œ÷¸ Ÿ¸¸›¸ú Š¸ƒÄ ª¾.
ñ¸ú) ©¸Þ›¡¸ ˆÞÅœ¸›¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ œ¸£ œÏ¸œ÷¸ ‚¸¡¸ ˆÅ¸ 縟¸¸¡¸¸½ù¸›¸, ¹›¸£¿÷¸£
œÏ¸þœ÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ¹÷¸ð¸Þ¹÷¸ ˆÅú ©¸½ß¸ ‚¨¸¹š¸ ˆ½Å ¹¥¸‡ ¹ˆÅ¡¸¸
Š¸¡¸¸ ª¾.
V. ù¸ª¸¿ ¥¸¸ð¸¸¿©¸ œÏ¸œ÷¸ ˆÅ£›¸½ ˆÅ¸ ‚¹š¸ˆÅ¸£ ÷¸¡¸ ª¾, ¨¸ª¸¿ ¥¸¸ð¸¸¿©¸ ˆÅú Š¸μ¸›¸¸
„œ¸¹ê¸÷¸ ‚¸š¸¸£ œ¸£ ˆÅú Š¸ƒÄ ª¾.
140 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
4 ›¸ˆÅ™ú œÏ¨¸¸ª ¹¨¸¨¸£μ¸ :
›¸ˆÅ™ ÷¸˜¸¸ ›¸ˆÅ™ ÷¸º¥¡¸ Ÿ¸™ Ÿ¸½¿ ›¸ˆÅ™ ©¸½ß¸, 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ ˆ½Å œ¸¸ç¸
©¸½ß¸, ‚›¡¸ ñ¸ÿˆÅ¸½¿ ˆ½Å œ¸¸ç¸ ©¸½ß¸ ÷¸˜¸¸ Ÿ¸¸¿Š¸ ¡¸¸ ‚¥œ¸ ç¸Þ긛¸¸ ˆÅú £¸¹©¸¡¸¸¿
©¸¸¹Ÿ¸¥¸ ªÿ.
5 ¹›¸¨¸½©¸ :
i) ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸¡¸Ÿ¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸, 1949 ˆÅú ÷¸ú縣ú ‚›¸ºç¸Þê¸ú ˆ½Å
œÏ¸²œ¸ ‡ ˆÅú ‚œ¸½®¸¸‚¸½¿ ˆ½Å ‚›¸º²œ¸, ¹›¸¨¸½©¸¸½¿ ˆÅ¸½ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ¨¸Š¸úĈż÷¸
¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
‡) 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸¿
ñ¸ú) ‚›¡¸ ‚›¸ºŸ¸¸½¹™÷¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸¿
ç¸ú) ©¸½¡¸£
èú) †μ¸œ¸°¸ ‡¨¸¿ ñ¸¸¿è
ƒÄ) ‚›¸ºß¸¿Š¸ú ƒˆÅ¸ƒ¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸¸½¿ Ÿ¸½¿ ¹›¸¨¸½©¸, ‡¨¸¿
‡ûöÅ) ‚›¡¸ ¹›¸¨¸½©¸
ñ¸ÿˆÅ ˆ½Å ¹›¸¨¸½©¸ œ¸¸½’ÄûŸ½¹¥¸¡¸¸½ ˆÅ¸½, 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ ˆ½Å Ÿ¸¸ç’£
œ¸¹£œ¸°¸ ÇÅ. DBR.No.BP.BC.6/21.04.141/2015-16 ¹™›¸¸¿ˆÅ
1 ù¸º¥¸¸ƒÄ, 2015 ˆ½Å ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚š¸ú›¸ œ¸º›¸: ¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ 3 縿¨¸Š¸¸½ô
Ÿ¸½¿ ¨¸Š¸úĈż÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ¡¸˜¸¸:
‡) œ¸¹£œ¸Æ¨¸÷¸¸ ÷¸ˆÅ š¸¸¹£÷¸ (‡ê¸’ú‡Ÿ¸),
ñ¸ú) ¹ñ¸ÇÅú ˆ½Å ¹¥¸‡ „œ¸¥¸ñš¸ (‡‡ûŇç¸) ‚¸¾£
ç¸ú) ¨¡¸¸œ¸¸£ ˆ½Å ¹¥¸‡ š¸¸¹£÷¸ (‡ê¸‡ûÅ’ú)
ii) Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ˆ½Å ¹¥¸‡, 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ˆ½Å ¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£
¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ ¹ç¸Ö¸›÷¸ ‚œ¸›¸¸‡ Š¸‡ ªÿ:
‡) ’‡ê¸’ú‡Ÿ¸“ Ÿ¸½¿ š¸¸¹£÷¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸¿ - ‚¹š¸ŠÏªμ¸ ¥¸¸Š¸÷¸ œ¸£:
i) ‚¹š¸ŠÏªμ¸ ¥¸¸Š¸÷¸, ‚¿¹ˆÅ÷¸ Ÿ¸Þ¥¡¸ 總 ‚¹š¸ˆÅ ª¸½›¸½ ˆÅú þ瘸¹÷¸ Ÿ¸½¿,
œ¸¹£œ¸Æ¨¸÷¸¸ ˆÅú ©¸½ß¸ ‚¨¸¹š¸ œ¸£ œ¸¹£©¸¸½¹š¸÷¸ ªÿ ÷¸˜¸¸ ñ¸Ø½ ˆÅú ™©¸¸ Ÿ¸½¿,
ƒç¸½ ‚¸¡¸ ›¸ªì Ÿ¸¸›¸¸ Š¸¡¸¸ ª¾.
ii) ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ ¹›¸¨¸½©¸ 縿¨¸ª›¸ ¥¸¸Š¸÷¸ ˆ½Å ‚¸š¸¸£ œ¸£
Ÿ¸Þ¥¡¸¸¿¹ˆÅ÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
iii) ‚›¸ºß¸¿Š¸ú ƒˆÅ¸ƒ¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸ Ÿ¸½¿ ¹›¸¨¸½©¸ 縿¨¸ª›¸ ¥¸¸Š¸÷¸ ˆ½Å
‚¸š¸¸£ œ¸£ Ÿ¸Þ¥¡¸¸¿¹ˆÅ÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
iv) ‡½ç¸½ ¹›¸¨¸½©¸¸½¿ ˆ½Å Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ Ÿ¸½¿ 瘸¸¡¸ú ã¸ç¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¾, ˆÅ¸
œÏ¸¨¸š¸¸›¸ ˆÅ£ ¹™¡¸¸ Š¸¡¸¸ ª¾.
ñ¸ú) ’‡‡ûŇ縓 ÷¸˜¸¸ ’‡ê¸‡ûÅ’ú“ ý½μ¸ú Ÿ¸½¿ š¸¸¹£÷¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸¿
i) ¹ñ¸ÇÅú ˆ½Å ¹¥¸‡ „œ¸¥¸ñš¸ ‡¨¸¿ ¨¡¸¸œ¸¸£ ˆ½Å ¹¥¸‡ š¸¸¹£÷¸ ý½μ¸ú Ÿ¸½¿ š¸¸¹£÷¸
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iv) 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ ˆ½Å ¨¸÷¸ÄŸ¸¸›¸ ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£, ‡ˆÅ 縿¨¸Š¸Ä 總
™Þ縣½ 縿¨¸Š¸Ä Ÿ¸½¿ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ ˆÅú ¹©¸ëÉ’Š¸ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ˆÅú Š¸ƒÄ ª¾ :
¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
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÷¸¸½ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ª¾.
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ˆ½Å ¹¥¸‡ š¸¸¹£÷¸ ý½μ¸ú Ÿ¸½¿
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¥¸¸Š¸÷¸ œ¸£.
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ˆÅŸ¸ú ˆ½Å ¹¥¸‡ œ¸Þ£¸ œÏ¸¨¸š¸¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
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ƒç¸ˆ½Å ¹¨¸œ¸£ú÷¸, ñ¸ªú Ÿ¸Þ¥¡¸ œ¸£.
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ˆ½Å ‚›¸ºç¸¸£ Ÿ¸Þ¥¡¸ã¸ç¸/œÏ¸¨¸š¸¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
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vii) œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ œ¸£ ˆÅŸ¸ú©¸›¸, ™¥¸¸¥¸ú, œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ œ¸£ ñ¸úê¸ ˆÅú ‚¨¸¹š¸ ˆÅ¸
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œ¸¸¥¸›¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾.
6 è½£ú¨¸½¹’¨¸ 縿¹¨¸™¸ :
i) ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ Ÿ¸½¿ ñ¡¸¸ù¸ ¨¸ª›¸ ˆÅ£›¸½ ¨¸¸¥¸ú ‚¸þç÷¸ ‚˜¸¨¸¸ ™½¡¸÷¸¸ ˆÅ¸½
縿£®¸μ¸ ™½›¸½ ¨¸¸¥¸ú ñ¡¸¸ù¸ ™£ 稸¾œ¸ „œ¸¹ê¸÷¸ ‚¸š¸¸£ œ¸£ ¥¸Š¸¸ƒÄ Š¸ƒÄ ª¾
¹ç¸¨¸¸¡¸ „›¸ 稸¾œ¸ ›¸¸¹Ÿ¸÷¸ ‚¸þç÷¸¡¸¸½¿ ‚¸¾£ ™½¡¸÷¸¸‚¸½¿ ˆ½Å, ¹ù¸›ª½¿ ñ¸¸ù¸¸£
Ÿ¸Þ¥¡¸ œ¸£ ‚˜¸¨¸¸ ¥¸¸Š¸÷¸ ¡¸¸ ñ¸¸ù¸¸£ Ÿ¸Þ¥¡¸, ™¸½›¸¸½¿ Ÿ¸½¿ ù¸¸½ ˆÅŸ¸ ª¸½, œ¸£ ¹¥¸¡¸¸
Š¸¡¸¸ ª¾ 稸¾œ¸ ˆÅú 縟¸¸þœ÷¸ œ¸£ ¥¸¸ð¸ ¡¸¸ ª¸¹›¸ ˆÅ¸ 稸¾œ¸ ˆÅú ©¸½ß¸ 縿¹¨¸™¸
‚¨¸¹š¸ ‚˜¸¨¸¸ ‚¸þç÷¸/™½¡¸÷¸¸ ˆÅú ©¸½ß¸ ‚¨¸¹š¸, ù¸¸½ ð¸ú ˆÅŸ¸ ª¸½, ˆ½Å ‚›¸ºç¸¸£
¹›¸š¸¸Ä¹£÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
ii) ’ï½ë芸 稸¾œ¸ 縿¨¡¸¨¸ª¸£ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ Ÿ¸½¿ ™ù¸Ä œ¸¹£¨¸÷¸Ä›¸¸½¿ ˆ½Å 縸˜¸
ñ¸¸ù¸¸£ ™£ œ¸£ Ÿ¸¸ˆÄÅ ¹ˆÅ¡¸½ Š¸‡ ªÿ.
iii) ¹¨¸ˆÅ¥œ¸ 縿¹¨¸™¸‚¸½¿ ˆ½Å Ÿ¸¸Ÿ¸¥¸½ Ÿ¸½¿ û½Åè¸ƒÄ ×¸£¸ 縟¸¡¸-縟¸¡¸ œ¸£ ‚¸¡¸ ˆÅú
œ¸ªê¸¸›¸, œÏú¹Ÿ¸¡¸Ÿ¸ ‚¸¾£ ñ¸Ø½ 總 縿ñ¸¿¹š¸÷¸ ù¸¸£ú ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆÅ¸ œ¸¸¥¸›¸
¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
141
7 ‚¹ŠÏŸ¸ :
i) 𸸣÷¸ Ÿ¸½¿ ç¸ð¸ú ‚¹ŠÏŸ¸¸½¿ ˆÅ¸½ 4 ý½¹μ¸¡¸¸½¿ (‡) Ÿ¸¸›¸ˆÅ, (ñ¸ú) ‚¨¸Ÿ¸¸›¸ˆÅ, (ç¸ú)
縿¹™Šš¸ ÷¸˜¸¸ (èú) ª¸¹›¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ³œ¸ Ÿ¸½¿ ¨¸Š¸úĈż÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
‡½ç¸½ ‚¹ŠÏŸ¸¸½¿ ˆ½Å ¹¥¸‡ 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ ׸£¸ ù¸¸£ú Ÿ¸¸ç’£ œ¸¹£œ¸°¸ ÇÅ.
DBR.BP.BC No.2/21.04.048/2015-16 ¹™›¸¸¿ˆÅ 1 ù¸º¥¸¸ƒÄ, 2015
ˆ½Å ©¸÷¸¸Ä›¸ºç¸¸£ ¹¨¸Ô¸Ÿ¸¸›¸ ¹¨¸¨¸½ˆÅœ¸Þμ¸Ä Ÿ¸¸›¸™¿è¸½¿ ˆ½Å ‚›¸º³œ¸ ‚¸¨¸©¡¸ˆÅ
œÏ¸¨¸š¸¸›¸ 縺¹›¸¹ä¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
ii) 𸸹£ñ¸¾¿ ׸£¸ ù¸¸£ú ¹™©¸¸¹›¸™½©Ä ¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ªú ‚¹ŠÏŸ¸¸½¿ ‡¨¸¿ †μ¸¸½¿ ˆÅ¸½
¹›¸ßœ¸¸¹™÷¸ ‡¨¸¿ Š¸¾£ ¹›¸ßœ¸¸¹™÷¸ ý½¹μ¸¡¸¸½¿ Ÿ¸½¿ ¨¸Š¸úĈż÷¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. †μ¸
‚¸þç÷¸¡¸¸¿ Š¸¾£-¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸¿(‡›¸œ¸ú‡) Ÿ¸½¿ ÷¸ð¸ú ¨¸Š¸úĈż÷¸ ª¸½÷¸ú ª¾ ù¸ñ¸:
‡) Ÿ¸ú¡¸¸™ú †μ¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿, ù¸ñ¸ Ÿ¸Þ¥¸š¸›¸ ˆÅ¸ ñ¡¸¸ù¸ ‚¸¾£/‚˜¸¨¸¸
¹ˆÅç÷¸ 90 ¹™›¸ 總 ‚¹š¸ˆÅ ‚¨¸¹š¸ ˆ½Å ¹¥¸‡ ‚¹÷¸™½¡¸ ª¸½.
ñ¸ú) ‚¸½¨¸£èï¸É’ ¡¸¸ ›¸ˆÅ™ú †μ¸ ‚¹ŠÏŸ¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ¡¸¹™ ‰¸¸÷¸¸
‚¹›¸¡¸¹Ÿ¸÷¸ £ª÷¸¸ ª¾ ¡¸˜¸¸ ¡¸¹™ ñ¸ˆÅ¸¡¸¸ ©¸½ß¸ £¸¹©¸, Ÿ¸¿ù¸Þ£ú ç¸úŸ¸¸/
‚¸ª£μ¸ ©¸¹Æ÷¸ 總 ¹›¸£¿÷¸£ 90 ¹™›¸¸½¿ ˆÅú ‚¨¸¹š¸ ˆ½Å ¹¥¸‡ ‚¹š¸ˆÅ ª¸½
‚˜¸¨¸¸ ¡¸¹™ ¹›¸£¿÷¸£ 90 ¹™›¸¸½¿ ˆÅú ‚¨¸¹š¸ ª½÷¸º ÷¸º¥¸›¸ œ¸°¸ ˆÅú ‚¨¸¹š¸
÷¸ˆÅ ˆÅ¸½ƒÄ ù¸Ÿ¸¸ ›¸ ª¸½¿ ‚˜¸¨¸¸ ¡¸¹™ „Æ÷¸ ‚¨¸¹š¸ ª½÷¸º ‰¸¸÷¸½ Ÿ¸½¿ ™½¡¸
†μ¸ ˆÅ¸½ 긺ˆÅ¸›¸½ ª½÷¸º ‰¸¸÷¸½ Ÿ¸½¿ œ¸¡¸¸Äœ÷¸ †μ¸ „œ¸¥¸ñš¸ ›¸ ª¸½¿.
ç¸ú) ‰¸£ú™½ Š¸‡ /¹£¡¸¸¡¸÷¸ú ¹ñ¸¥¸¸½¿ ˆ½Å 縿™ð¸Ä Ÿ¸½¿, 90 ¹™›¸¸½¿ 總 ‚¹š¸ˆÅ
‚¨¸¹š¸ ˆ½Å ¹¥¸‡ ¹ñ¸¥¸ ‚¹÷¸™½¡¸ £ª÷¸ú ª¾;
èú) ‚¥œ¸¸¨¸¹š¸ ûÅ縥¸¸½¿ ˆ½Å ¹¥¸‡ ˆÅ¼¹ß¸ ‚¹ŠÏŸ¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿, ù¸ª¸¿ ™¸½
Ÿ¸¸¾ç¸Ÿ¸ú ûÅ縥¸¸½¿ ˆ½Å ¹¥¸‡ ñ¡¸¸ù¸ ¡¸¸ Ÿ¸Þ¥¸š¸›¸ ˆÅú ¹ˆÅ©÷¸½¿ ‚¹÷¸™½¡¸
£ª÷¸ú ªÿ.
ƒÄ) ¥¸¿ñ¸ú ‚¨¸¹š¸ ˆ½Å ûÅ縥¸ ˆ½Å ¹¥¸‡ ˆÅ¼¹ß¸ ‚¹ŠÏŸ¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿, ù¸ª¸¿
‡ˆÅ Ÿ¸¸¾ç¸Ÿ¸ú ûÅ縥¸ ˆ½Å ¹¥¸‡ ñ¡¸¸ù¸ ¡¸¸ Ÿ¸Þ¥¸š¸›¸ ˆÅú ¹ˆÅ©÷¸½¿ ‚¹÷¸™½¡¸
£ª÷¸ú ªÿ.
iii) 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ ׸£¸ ¹›¸š¸¸Ä¹£÷¸ Ÿ¸¸›¸™¿è¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ‡›¸œ¸ú‡ ˆÅ¸½
‚¨¸Ÿ¸¸›¸ˆÅ, 縿¹™Šš¸ ‚¸¾£ ª¸¹›¸ ‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ ñ¸¸¿’¸ Š¸¡¸¸ ª¾:
‡) ‚¨¸Ÿ¸¸›¸ˆÅ: ‡½ç¸ú †μ¸ ‚¸þç÷¸, ù¸¸½ 12 Ÿ¸ªú›¸¸½¿ ÷¸ˆÅ ¡¸¸ „ç¸ç¸½ ˆÅŸ¸
‚¨¸¹š¸ ˆ½Å ¹¥¸‡ Š¸¾£-¹›¸ßœ¸¸™ˆÅ £ªú ª¾.
ñ¸ú) 縿¹™Šš¸: ‡½ç¸ú †μ¸ ‚¸þç÷¸, ù¸¸½ 12 Ÿ¸ªú›¸¸½¿ ÷¸ˆÅ ‚¨¸Ÿ¸¸›¸ˆÅ ý½μ¸ú
Ÿ¸½¿ £ªú ª¾.
ç¸ú) ª¸¹›¸: ‡½ç¸ú †μ¸ ‚¸þç÷¸, ¹ù¸ç¸Ÿ¸½¿ ª¸¹›¸ ˆÅú œ¸ªê¸¸›¸ ˆÅú ù¸¸ 긺ˆÅú
ª¾, ¥¸½¹ˆÅ›¸ †μ¸ £¸¹©¸ œ¸Þ£ú ÷¸£ª 總 £¸ƒ’ ‚¸ÁûÅ ›¸ªì ˆÅú Š¸ƒÄ ª¾.
iv) ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ œÏ¸¹š¸ˆÅ¸£ú ׸£¸ ù¸¸£ú Ÿ¸¸¾ù¸Þ™¸ ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£
‡›¸œ¸ú‡ ˆ½Å ¹¥¸‡ ›¡¸Þ›¸÷¸Ÿ¸ ¹ˆÅ‡ ù¸¸›¸½ ¨¸¸¥¸ú £¸¹©¸ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ª¾:
‚¨¸Ÿ¸¸›¸ˆÅ i. ˆºÅ¥¸ ñ¸ˆÅ¸¡¸¸ £¸¹©¸ ˆÅ¸ 縸Ÿ¸¸›¡¸ 15%
‚¸þç÷¸¡¸¸¿: ii. ‡½ç¸ú †μ¸ £¸¹©¸ œ¸£ 10% ‚¹÷¸¹£Æ÷¸ œÏ¸¨¸š¸¸›¸,
ù¸¸½ ‚¸£¿ð¸ 總 ªú ‚縺£¹®¸÷¸ ª¸½.
iii. ƒ›üŸç’ïÆ긣 †μ¸ ‰¸¸÷¸¸½¿ ˆ½Å ‚縺£¹®¸÷¸ 𸸊¸ ˆ½Å
¹¥¸‡ 20% œÏ¸¨¸š¸¸›¸, ¹ù¸ç¸Ÿ¸½¿ ‡çÇŸ½ ‰¸¸÷¸½ ù¸¾ç¸ú
ˆºÅø ¹¨¸¹©¸ß’ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸Â „œ¸¥¸ñš¸ ª¸½¿.
縿¹™Šš¸-縺£¹®¸÷¸ i. ‡ˆÅ ¨¸ß¸Ä ÷¸ˆÅ 25%
𸸊¸ ii. ‡ˆÅ 總 ÷¸ú›¸ ¨¸ß¸Ä ÷¸ˆÅ 40%
iii. ÷¸ú›¸ ¨¸ß¸Ä 總 ‚¹š¸ˆÅ 100%
縿¹™Šš¸- 100%
‚縺£¹®¸÷¸ 𸸊¸
ª¸¹›¸ ‚¸þç÷¸ 100%
142 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
v) ‚¹ŠÏŸ¸¸½¿ Ÿ¸½¿ ¹¨¸©¸½ß¸ ª¸¹›¸ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸, œÏ¹÷¸ ê¸ÇÅú¡¸ ñ¸ûÅ£ œÏ¸¨¸š¸¸›¸,
œ¸º›¸Š¸Ä¶›¸ 總 ‚¹ŠÏŸ¸¸½¿ ˆ½Å ñ¸¸™ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ Ÿ¸½¿ ‚¸ƒÄ ¹Š¸£¸¨¸’ ˆ½Å ¹¥¸‡
œÏ¸¨¸š¸¸›¸ ÷¸˜¸¸ Š¸¾£ ¹›¸ßœ¸¸™ˆÅ ‚¸þç÷¸¡¸¸½¿ 總 縿ñ¸¿¹š¸÷¸ ¨¸ç¸Þ¥¸ ›¸ ªºƒÄ ¹¨¸¹¨¸š¸
ù¸Ÿ¸¸ Ÿ¸½¿ £‰¸ú ñ¡¸¸ù¸ ˆÅú £¸¹©¸ ‚¸¾£ ç¸Þ®Ÿ¸ ‡¨¸¿ ¥¸‹¸º „Ô¸¹Ÿ¸¡¸¸½¿ ˆ½Å ¹¥¸‡ †μ¸
Š¸¸£¿’ú ’ïç’ (ç¸úù¸ú‡ûÅ’ú)/¹›¸¡¸¸Ä÷¸ †μ¸ Š¸¸£¿’ú ¹›¸Š¸Ÿ¸ (ƒÄç¸úù¸úç¸ú) 總
œÏ¸œ÷¸ ™¸¨¸½ ˆÅú £¸¹©¸ ˆÅ¸½ ‹¸’¸ˆÅ£ ¹›¸¨¸¥¸ £¸¹©¸ ªú ™©¸¸ÄƒÄ Š¸ƒÄ ª¾.
vi) ¹¨¸™½©¸ú ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿, ‡›¸œ¸ú‡ ˆ½Å ¹¥¸‡ †μ¸¸½¿ ‚¸¾£ ‚¹ŠÏŸ¸¸½¿ Ÿ¸½¿
¨¸Š¸úÄˆÅ£μ¸ ¡¸¸ œÏ¸¨¸š¸¸›¸ 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ ˆ½Å Ÿ¸¸›¸™¿è¸½¿ ¡¸¸ 瘸¸›¸ú¡¸
¹›¸¡¸Ÿ¸¸½¿ ˆ½Å ‚›¸ºç¸¸£, ù¸¸½ ð¸ú ‚¹š¸ˆÅ „œ¸¡¸ºÆ÷¸ ª¸½, ¹ˆÅ‡ Š¸‡ ªÿ.
vii) œ¸º›¸Š¸Ä¹¶÷¸/œ¸º›¸¹›¸Äš¸¸Ä¹£÷¸ ‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ œÏ¸¨¸š¸¸›¸, 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ
׸£¸ ù¸¸£ú ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£ ¹ˆÅ‡ Š¸‡ ªÿ, ¹ù¸ç¸Ÿ¸½¿ ‡›¸œ¸ú‡ ª½÷¸º
œÏ¸¨¸š¸¸›¸ ˆ½Å ‚¥¸¸¨¸¸, œ¸º›¸Š¸Ä¶›¸ ˆ½Å œ¸ª¥¸½ ‚¸¾£ ñ¸¸™ Ÿ¸½¿ †μ¸ ˆ½Å „¹ê¸÷¸
Ÿ¸Þ¥¡¸¸½¿ ˆ½Å ñ¸úê¸ ˆÅ¸ ‚¿÷¸£ ª¸½›¸¸ ‚¸¨¸©¡¸ˆÅ ª¸½÷¸¸ ª¾.
viii) ‡›¸œ¸ú‡ ˆ½Å ³œ¸ Ÿ¸½¿ ¨¸Š¸úĈż÷¸ †μ¸ ‰¸¸÷¸¸½¿ ˆ½Å Ÿ¸¸Ÿ¸¥¸¸½¿ Ÿ¸½¿, ¡¸¹™ ‰¸¸÷¸¸
¹›¸¡¸¸Ÿ¸ˆÅ ׸£¸ ¹›¸š¸¸Ä¹£÷¸ ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸º³œ¸ ª¸½÷¸¸ ª¾ ÷¸¸½ ‰¸¸÷¸½ ˆÅ¸½
¹›¸ßœ¸¸™ˆÅ ‚¸þç÷¸ ˆ½Å ³œ¸ Ÿ¸½¿ œ¸º›¸¨¸ÄŠ¸úĈż÷¸ ¹ˆÅ¡¸¸ ù¸¸ 縈Å÷¸¸ ª¾.
ix) ¹œ¸ø¥¸½ ¨¸ß¸¸½ô Ÿ¸½¿ £¸ƒ’ ‚¸ÁûÅ ¹ˆÅ‡ Š¸‡ †μ¸¸½¿ ˆ½Å Ÿ¸ºˆöŸñ¸¥¸½ ¨¸ç¸Þ¥¸ú Š¸ƒÄ
£¸¹©¸ ¨¸ç¸Þ¥¸ú ˆ½Å ¨¸ß¸Ä Ÿ¸½¿ ‚¸¡¸ ˆ½Å ³œ¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ˆÅú Š¸ƒÄ ª¾.
x) Ÿ¸¸›¸ˆÅ ‚¹ŠÏŸ¸¸½¿ œ¸£ 縸Ÿ¸¸›¡¸ œÏ¸¨¸š¸¸›¸ ˆÅ¸½ `‚›¡¸ ™½¡¸÷¸¸‚¸½¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸¸½'¿ Ÿ¸½¿
£‰¸¸ Š¸¡¸¸ ª¾, ¹ù¸›ª½¿ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ‚›¸ºç¸Þê¸ú 5 Ÿ¸½¿ ™©¸¸Ä¡¸¸ Š¸¡¸¸ ª¾ ÷¸˜¸¸ ¹›¸¨¸¥¸
‚¨¸Ÿ¸¸›¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ¨¸ ¹›¸¨¸¥¸ ‚¹ŠÏŸ¸¸½¿ ˆÅú Š¸μ¸›¸¸ Ÿ¸½¿ ›¸ªì ¹¥¸¡¸¸ Š¸¡¸¸ ª¾.
8. 瘸¸¡¸ú ‚¸þç÷¸¡¸¸¿ ‡¨¸¿ ã¸ç¸ :
i) 瘸¸¡¸ú ‚¸þç÷¸¡¸¸½¿ ˆÅ¸½, Ÿ¸Þ¥¡¸ã¸ç¸ ‚¸¾£ ®¸¹÷¸¡¸¸½¿ ˆÅú £¸¹©¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½,
ˆÅ¸½ 縟¸¸¡¸¸½¹ù¸÷¸ ˆÅ£›¸½ ˆ½Å ñ¸¸™, ¥¸¸Š¸÷¸ œ¸£ ¹™‰¸¸¡¸¸ Š¸¡¸¸ ª¾. ‰¸ê¸Ä Ÿ¸½¿
‰¸£ú™ú ˆÅú ¥¸¸Š¸÷¸ ‚¸¾£ ç¸ð¸ú ¨¡¸¡¸ ù¸¾ç¸½ 縸ƒ’ ÷¸¾¡¸¸£ ˆÅ£›¸½ ÷¸˜¸¸
ƒ›ç’¸Á¥¸½©¸›¸ ¥¸¸Š¸÷¸ ‚¸¾£ ‚¸þç÷¸ ˆ½Å ÷¸¾¡¸¸£ ª¸½›¸½ 總 œ¸Þ¨¸Ä ¨¡¸¡¸ ¹ˆÅ‡ Š¸‡
œ¸½©¸½¨¸£ ©¸º¥ˆÅ ˆÅ¸½ ©¸¸¹Ÿ¸¥¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ƒç¸ ÷¸£ª ˆÅú ‚¸þç÷¸¡¸¸½¿ 總
ƒç¸ˆ½Å ñ¸¸™ ‚¸þç÷¸ œ¸£ ¹ˆÅ‡ Š¸‡ ¨¡¸¡¸¸½¿ ˆÅ¸½ ÷¸ð¸ú œ¸Þ¿ù¸úˆÅ¼÷¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸
ª¾, ù¸ñ¸ ‚¸þç÷¸ 總 𸹨¸ß¡¸ ˆ½Å ¥¸¸ð¸ Ÿ¸½¿ ¨¸¼¹Ö ª¸½÷¸ú ª¾ ¡¸¸ „縈Åú ˆÅ¸¡¸Ä
®¸Ÿ¸÷¸¸ Ÿ¸½¿ ¨¸¼¹Ö ª¸½÷¸ú ª¾. ð¸Þ¹Ÿ¸ ÷¸˜¸¸ 𸨸›¸ ˆÅ¸ ¡¸¹™ œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ ¹ˆÅ¡¸¸
ù¸¸÷¸¸ ª¾ ÷¸¸½ „縈Åú œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿¹ˆÅ÷¸ £¸¹©¸ ™©¸¸ÄƒÄ Š¸ƒÄ ª¾. œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ 總
ñ¸éõú ªºƒÄ £¸¹©¸ ˆÅ¸½ œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ ¹›¸¹š¸ Ÿ¸½¿ ù¸Ÿ¸¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾ ÷¸˜¸¸ ã¸ç¸
ˆÅú £¸¹©¸ ˆÅ¸½ „縟¸½¿ 總 ‹¸’¸¡¸¸ Š¸¡¸¸ ª¾.
01.04.2017 總 œÏ𸸨¸ú 縿©¸¸½š¸›¸ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ 10 - 縿œ¸¹î¸ 縿¡¸¿°¸
‚¸¾£ „œ¸ˆÅ£μ¸ ˆ½Å ‚›¸ºç¸¸£, ¹›¸¹ä¸÷¸ œ¸¹£ç¸¿œ¸¹î¸¡¸¸½¿ ˆ½Å œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸
¹ªç總 œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ œ¸º›¸Ÿ¸ÞÄ¥¡¸ ¹£ùö¸¨¸Ä 總 £¸ù¸ç¨¸ ¹£ù¸¨¸Ä ÷¸ˆÅ 瘸¸›¸¸¿÷¸¹£÷¸
¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾, ›¸ ¹ˆÅ ¥¸¸ð¸ ‚¸¾£ ª¸¹›¸ ‰¸¸÷¸½ 總.
ii) ‡œ¥¸úˆ½Å©¸›¸ 縸ÁÉ’¨¸½¡¸£ ˆÅ¸½ œ¸ÞÂù¸úŠ¸÷¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾ ÷¸˜¸¸ ‚Ÿ¸Þ÷¸Ä
‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ ¹Ÿ¸¥¸¸ ¹™¡¸¸ ù¸¸÷¸¸ ª¾. ˆÅŸœ¡¸Þ’£ ‡¨¸¿ 縸ÁÉ’¨¸½¡¸£ œ¸£ ã¸ç¸
ˆÅŸœ¡¸Þ’£ ª¸èÄ ¨¸½¡¸£ ‡¨¸¿ ‡’ú‡Ÿ¸ ˆÅ¸ ‡ˆÅ 𸸊¸ ª¾ ¹ù¸ç¸ œ¸£ 𸹣ñ¸¾¿ ˆ½Å
¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£ ç¸úš¸ú £½‰¸¸ œ¸Ö¹÷¸ (‡ç¸‡¥¸‡Ÿ¸) 總 33.33%
ˆÅú ™£ œ¸£ ã¸ç¸ ¥¸Š¸¸¡¸¸ ù¸¸÷¸¸ ª¾.
iii) ‚긥¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å Ÿ¸Þ¥¡¸ã¸ç¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ‹¸’÷¸ú ©¸½ß¸ œÏμ¸¸¥¸ú ˆ½Å
‚›¸ºç¸¸£ œÏñ¸¿š¸›¸ ׸£¸ „¹ê¸÷¸ 縟¸å¸ú Š¸¡¸ú ¹›¸Ÿ›¸¸¿¹ˆÅ÷¸ ™£ œ¸£ ˆÅú Š¸ƒÄ ª¾ :
‚¸þç÷¸ ˆÅ¸ œÏˆÅ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ ˆÅú ™£
I. œ¸¹£ç¸£ 5%
II. ‚›¡¸ 瘸¸¡¸ú ‚¸þç÷¸¡¸¸¿
- ûÅ›¸úÄ긣 ‚¸¾£ ¹ûÅë’Šç¸ 10 %
 ‚¸þç÷¸ ˆÅ¸ œÏˆÅ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ ˆÅú ™£
- ƒ¥¸½þÆ’ïˆÅ ¹ûÅë’Š¸ ‚¸¾£ „œ¸çˆÅ£, 15%
ˆÅ¸¡¸¸Ä¥¸¡¸ „œ¸ˆÅ£μ¸, ‡ç¸èú¨¸ú/
ç’︿Š¸ ³Ÿ¸ ‚¸¹™
- œ¸¹£¨¸ª›¸ ¨¸¸ª›¸ 20%
- ¡¸Þ œ¸ú ‡ç¸. „œ¸ˆÅ£μ¸ 33.33%
III. ‚¸þç÷¸¡¸¸½¿ ˆ½Å œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ ˆ½Å 縿ñ¸¿¹š¸÷¸ ‚¸þç÷¸ œ¸£ ¥¸¸Š¸Þ
œ¸¹£μ¸¸Ÿ¸ç¨¸³œ¸ ù¸¸½èõú Š¸¡¸ú £¸¹©¸ œ¸£ ™£, „縈½Å ‚¸¹˜¸ÄˆÅ
‚¨¸¹©¸ß’ ˆÅ¸¥¸ ˆ½Å
‚¸š¸¸£ œ¸£.
iv) 30 ¹ç¸÷¸¿ñ¸£ ÷¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ˆ½Å œ¸¹£¨¸ÖÄ›¸ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ œ¸Þμ¸Ä ™£ 總 ‚¸¾£
„縈½Å ñ¸¸™ ªº‡ œ¸¹£¨¸ÖÄ›¸ œ¸£ ‚¸š¸ú ™£ 總 ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ª¾.
v) ð¸Þ¹Ÿ¸ ‚¸¾£ 𸨸›¸ ˆÅ¸ Ÿ¸Þ¥¡¸ ‚¥¸Š¸-‚¥¸Š¸ œ¸÷¸¸ ›¸ ¥¸Š¸›¸½ œ¸£, œ¸¹£ç¸£ œ¸£
Ÿ¸Þ¥¡¸ã¸ç¸ 縿¹Ÿ¸ý ¥¸¸Š¸÷¸ œ¸£ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ª¾.
vi) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ñ¸½ê¸ú/¹›¸œ¸’¸›¸ ˆÅú Š¸ƒÄ ‚¸þç÷¸¡¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ ˆÅ¸
œÏ¸¨¸š¸¸›¸ ›¸ªì ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
vii) œ¸Ø½ œ¸£ ¥¸ú Š¸ƒÄ ‚¸þç÷¸ ÷¸˜¸¸ ƒ›¸Ÿ¸½¿ 縿¨¸š¸Ä›¸ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸, œ¸Ø½ ˆÅú Ÿ¸Þ¥¸
‚¨¸¹š¸ ˆ½Å ¹¥¸‡ ¹›¸š¸¸Ä¹£÷¸ ™£ ˆ½Å ‚¸š¸¸£ œ¸£ ¥¸Š¸¸¡¸¸ Š¸¡¸¸ ª¾.
9. ‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ ®¸¹÷¸ :
‚¸¿÷¸¹£ˆÅ/ñ¸¸ª£ú ˆÅ¸£ˆÅ¸½¿ 總 ¹ˆÅç¸ú œÏˆÅ¸£ ˆÅú ®¸¹÷¸ ˆÅ¸ 縿ˆ½Å÷¸ ¹Ÿ¸¥¸›¸½ œ¸£,
œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸œ¸°¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ‚¸þç÷¸¡¸¸½¿ ˆ½Å 縿¨¸ª›¸ ¥¸¸Š¸÷¸ ˆÅú 縟¸ú®¸¸
ˆÅú ù¸¸÷¸ú ª¾. ¹ˆÅç¸ú ‚¸þç÷¸ ˆÅú 縿¨¸ª›¸ ¥¸¸Š¸÷¸ „縈Åú ¨¸ç¸Þ¥¸ú ¡¸¸½Š¡¸ ¥¸¸Š¸÷¸
總 ‚¹š¸ˆÅ ª¸½›¸½ œ¸£ ®¸£μ¸ ª¸¹›¸ Ÿ¸¸›¸ú ù¸¸÷¸ú ª¾. ®¸£μ¸ ª¸¹›¸ „ç¸ ç¸Ÿ¸¡¸ Ÿ¸¸›¸ú
ù¸¸÷¸ú ª¾, ù¸ñ¸ „ç¸ ‚¸þç÷¸ ˆÅú 縿¨¸ª›¸ ¥¸¸Š¸÷¸ „縈Åú ¨¸ç¸Þ¥¸ú ¡¸¸½Š¡¸ £¸¹©¸ 總
‚¹š¸ˆÅ ª¸½. ‚¸þç÷¸ ˆ½Å ¹›¸¨¸¥¸ ¹¨¸ÇÅ¡¸ Ÿ¸Þ¥¡¸ ‚¸¾£ „œ¸¡¸¸½Š¸ Ÿ¸Þ¥¡¸ 總 ¨¸ç¸Þ¥¸ú ¡¸¸½Š¡¸
£¸¹©¸ ‚¹š¸ˆÅ ª¾. „œ¸¡¸¸½Š¸ Ÿ¸Þ¥¡¸ ˆ½Å ¹›¸š¸¸Ä£μ¸ ª½÷¸º, š¸›¸ ˆ½Å 縟¸¡¸ Ÿ¸Þ¥¡¸ ˆ½Å ¹¥¸‡
Ÿ¸¸¾ù¸Þ™¸ ñ¸¸ù¸¸£ ‚¸¿ˆÅ¥¸›¸ ‚¸¾£ ‚¸þç÷¸ ˆ½Å ù¸¸½¹‰¸Ÿ¸ ¹¨¸©¸½ß¸ ˆ½Å ‚›¸ºç¸¸£, ˆÅ£-
œ¸Þ¨¸Ä ñ¸Ø¸ ™£ œ¸£ 𸹨¸ß¡¸ ˆÅú ‚›¸ºŸ¸¸¹›¸÷¸ ›¸ˆÅ™ú œÏ¨¸¸ª ˆÅ¸ ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸Þ¥¡¸ œ¸÷¸¸
¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. ®¸£μ¸ ˆ½Å ñ¸¸™ ‚¸þç÷¸ ˆÅú ©¸½ß¸ „œ¸¡¸¸½¹Š¸÷¸¸ ‚¨¸¹š¸ ˆÅú 縿©¸¸½¹š¸÷¸
縿¨¸ª›¸ ¥¸¸Š¸÷¸ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ ¥¸Š¸¸¡¸¸ ù¸¸÷¸¸ ª¾. œ¸¹£þ瘸¹÷¸¡¸¸½¿ Ÿ¸½¿ œ¸¹£¨¸÷¸Ä›¸ ˆ½Å
‚›¸ºç¸¸£, œ¸ª¥¸½ ¥¸Š¸¸ƒÄ ®¸£μ¸ ª¸¹›¸ ñ¸éõ¸ƒÄ ¡¸¸ ‹¸’¸ƒÄ ù¸¸÷¸ú ª¾. ¥¸½¹ˆÅ›¸ ª¸¹›¸
ˆÅŸ¸ ª¸½›¸½ 總 ¹£¨¸ç¸Ä¥¸ ˆ½Å ñ¸¸™ ð¸ú, 縿¨¸ª›¸ Ÿ¸Þ¥¡¸ „ç¸ ç¸¿¨¸ª›¸ ¥¸¸Š¸÷¸ 總 ‚¹š¸ˆÅ
›¸ªì ª¸½Š¸ú, ù¸¸½ ®¸£μ¸ ›¸ ª¸½›¸½ œ¸£ 縸Ÿ¸¸›¡¸ Ÿ¸Þ¥¡¸ã¸ç¸ ¥¸Š¸¸›¸½ ˆ½Å ñ¸¸™ ª¸½÷¸ú.
10. œÏ¹÷¸ ê¸ÇÅú¡¸ œÏ¸¨¸š¸¸›¸ ñ¸ûÅ£ :
œÏ¹÷¸ ê¸ÇÅú¡¸ ñ¸ûÅ£ œÏ¸¨¸š¸¸›¸ ˆÅ£›¸½ ‚¸¾£ „縈½Å „œ¸¡¸¸½Š¸ ª½÷¸º, ‚¹ŠÏŸ¸ ‡¨¸¿ ¹›¸¨¸½©¸
ˆ½Å ¹¥¸‡ ñ¸ÿˆÅ ˆÅú ‚œ¸›¸ú ‚¥¸Š¸-‚¥¸Š¸ ‚›¸ºŸ¸¸½¹™÷¸ ›¸ú¹÷¸ ª¾. œÏ÷¡¸½ˆÅ ¹¨¸î¸ ¨¸ß¸Ä ˆÅú
縟¸¸þœ÷¸ œ¸£ ¹ˆÅ‡ ù¸¸›¸½ ¨¸¸¥¸½ œÏ¸¨¸š¸¸›¸ ˆÅú Ÿ¸¸°¸¸ ¹›¸š¸¸Ä¹£÷¸ ˆÅú ù¸¸÷¸ú ª¾. œÏ¹÷¸
ê¸ÇÅú¡¸ œÏ¸¨¸š¸¸›¸¸½¿ ˆÅ¸ œÏ¡¸¸½Š¸, ˆ½Å¨¸¥¸ ›¸ú¹÷¸ Ÿ¸½¿ ¹›¸¹™Äß’ ‚縸š¸¸£μ¸ œ¸¹£þ瘸¹÷¸¡¸¸½¿
Ÿ¸½¿, 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ˆÅú œ¸Þ¨¸¸Ä›¸ºŸ¸¹÷¸ 總 ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾.
11. ¹¨¸™½©¸ú ¹¨¸¹›¸Ÿ¸¡¸ 縿ñ¸¿š¸ú ¥¸½›¸™½›¸ :
¹¨¸™½©¸ú ¹¨¸¹›¸Ÿ¸¡¸ 縿ñ¸¿š¸ú ¥¸½›¸™½›¸¸½¿ ˆÅ¸ ¥¸½‰¸¸¿ˆÅ›¸ ‚¸ƒÄç¸ú‡‚¸ƒÄ ׸£¸ ù¸¸£ú
¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 11(¹¨¸™½©¸ú ¹¨¸¹›¸Ÿ¸¡¸ ™£¸½¿ Ÿ¸½¿ œ¸¹£¨¸÷¸Ä›¸ ˆ½Å œÏ𸸨¸), ˆ½Å ‚›¸ºç¸¸£
¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. ù¸¾ç¸¸ ¹ˆÅ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 11 Ÿ¸½¿ ¹›¸¹™Äß’ ª¾. ñ¸ÿˆÅ ˆ½Å ¹¨¸™½©¸ú Ÿ¸ºÍ¸
œ¸¹£ê¸¸¥¸›¸¸½¿ ˆÅ¸½ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ¨¸Š¸úĈż÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ :
¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
‡) ‡ˆÅúˆ¼Å÷¸ œ¸¹£ê¸¸¥¸›¸ ‡¨¸¿
ñ¸ú) Š¸¾£ ‡ˆÅúˆ¼Å÷¸ œ¸¹£ê¸¸¥¸›¸.
縟¸ç÷¸ ¹¨¸™½©¸ú ©¸¸‰¸¸‡¿, 縺™Þ£ ñ¸ÿëˆÅŠ¸ ƒˆÅ¸ƒÄ¡¸¸¿, ¹¨¸™½©¸ú ‚›¸ºß¸¿¹Š¸¡¸¸½¿
ˆ½Å œ¸¹£ê¸¸¥¸›¸¸½¿ ˆÅ¸½ Š¸¾£ ‡ˆÅúˆ¼Å÷¸ œ¸¹£ê¸¸¥¸›¸ ‡¨¸¿ ¹¨¸™½©¸ú ¹¨¸¹›¸Ÿ¸¡¸ Ÿ¸½¿
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ù¸¸÷¸¸ ª¾.
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12. ˆÅŸ¸Ä길£ú ¥¸¸ð¸ :
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ñ¸ÿˆÅ ˆÅ¸ ‚›¡¸ ˆÅ¸½ƒÄ „™¸¹¡¸÷¨¸ ›¸ªì ª¾.
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‰¸¸÷¸½ Ÿ¸½¿ ¹¨¸ˆÅ¹¥¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ¹¨¸™½©¸ú ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ Ÿ¸½¿ ¹›¸¡¸¸½¹ù¸÷¸ ˆÅŸ¸Ä길¹£¡¸¸½¿
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13. ‰¸¿è¨¸¸£ ¹£œ¸¸½’Ä ˆÅ£›¸¸ :
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Ÿ¸½¿ Ÿ¸¸›¡¸÷¸¸ œÏ¸œ÷¸ ª¾.
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i) ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸,
ii) ˆÅ¸œ¸¸½Ä£½’ ¨¸ ª¸½¥¸ç¸½¥¸ ñ¸ÿëˆÅŠ¸,
iii) ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ‚¸¾£
iv) ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ Ÿ¸½¿ ¨¸Š¸úĈż÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾:
14. ¥¸úù¸ 縿¨¡¸¨¸ª¸£ :
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›¸¨¸úˆÅ£μ¸ ˆ½Å 縟¸¡¸ Ÿ¸¸›¡¸÷¸¸ ™ú Š¸ƒÄ ª¾.
15. œÏ¹÷¸ ©¸½¡¸£ ‚¸¡¸ :
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„œ¸¡¸¸½Š¸ ˆÅ£ˆ½Å ˆÅú Š¸ƒÄ ª¾.
16. ˆÅ£¸š¸¸›¸:
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‚¸¡¸ œ¸£ ¨¸÷¸ÄŸ¸¸›¸ ™£ ‡¨¸¿ ˆÅ£ ¹›¸¡¸Ÿ¸¸½¿ ˆ½Å ‚›¸ºç¸¸£ œÏ¸¨¸š¸¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ 縟¸¡¸
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17. œÏ¸¨¸š¸¸›¸, ‚¸ˆÅþ矸ˆÅ ™½¡¸÷¸¸‡¿ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ ‚¸þç÷¸¡¸¸¿ :
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ª¸½, Ÿ¸½¿ ª¸½Š¸ú.
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縈Å÷¸ú ª¾.
18. ©¸½¡¸£ ¹›¸Š¸ÄŸ¸ ¨¡¸¡¸ :
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(‡) 𸸣÷¸ Ÿ¸½¿ 2,743.84 1,182.46
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iii) ¹›¸¨¸½©¸¸½¿ ˆÅ¸ ¹›¸¨¸¥¸ Ÿ¸Þ¥¡¸ 1,21,854.23 1,10,759.95
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(ñ¸ú) 𸸣÷¸ ˆ½Å ñ¸¸ª£ 578.90 514.75
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ii) ˆÅ¸œ¸¸½Ä£½’ †μ¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ‚¸£¿¹ð¸ˆÅ ©¸½ß¸ 2,091.48 244.19
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i) 縣ˆÅ¸£ú 15.00 11,197.00 970.00 11,197.00 ‚¿¹÷¸Ÿ¸ ©¸½ß¸ 2,347.70 2,091.48
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ñ¸ú ’ï½ë芸 ˆ½Å ¹¥¸‡ 2,961.22 5,120.82 1,306.81 4,490.00
ii) Ÿ¸¸ˆÄÅ ’Þ Ÿ¸¸ˆ½ÄÅ’ œ¸¸½ù¸ú©¸›¸ (1)
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縈ť¸ Š¸¾£-¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸¿ (‡›¸œ¸ú‡), ©¸ºÖ ‡›¸œ¸ú‡ ‡¨¸¿ œÏ¸¨¸š¸¸›¸¸½¿ ˆ½Å 縿긥¸›¸ ˆÅ¸ ¹¨¸¨¸£μ¸ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ª¾ :
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ii) ‡›¸œ¸ú‡ ˆÅ¸ 縿긥¸›¸ (縈ť¸)
(‡) ‚¸£¿¹ð¸ˆÅ ©¸½ß¸ 33,712.28 24,170.89
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„œ¸-¡¸¸½Š¸ (‡) 55,081.39 37,414.78

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„œ¸-¡¸¸½Š¸ (ñ¸ú) 5,711.46 3,702.50
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13499.84 6031.90
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140.55 (9.71)
(ñ¸ú) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ œÏ¸¨¸š¸¸›¸
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œ¸Þ¿ù¸ú ñ¸¸ù¸¸£ Ÿ¸½¿ ˆºÅ¥¸ ‡Æ縜¸¸½ù¸£ 2405.89 2,678.90
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7.3 ù¸¸½¹‰¸Ÿ¸ 縿¨¸Š¸Ä ¨¸¸£ ˆ¿Å’ïú ‡Æ縜¸¸½Î¸£
(` ˆÅ£¸½èõ Ÿ¸½¿)
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‚œ¸¡¸¸Äœ÷¸ 14627.51 14,839.43 ©¸Þ›¡¸ ©¸Þ›¡¸
‚¥œ¸ 5986.13 7,634.06 ©¸Þ›¡¸ ©¸Þ›¡¸
縸Ÿ¸¸›¡¸ 349.18 257.62 ©¸Þ›¡¸ ©¸Þ›¡¸
„êê¸ 0.79 1.03 ©¸Þ›¡¸ ©¸Þ›¡¸
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¡¸¸½Š¸ 20963.61 22,732.14 ©¸Þ›¡¸ ©¸Þ›¡¸
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ñ¸ÿˆÅ ˆ½Å¨¸¥¸ „ç¸ ™½©¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ªú ˆÅ›’ïú ù¸¸½¹‰¸Ÿ¸ ›¸ú¹÷¸ ˆÅ¸ œÏ¸¨¸š¸¸›¸ ˆÅ£½Š¸¸, ù¸ª¸¿ ¹›¸¨¸¥¸ ¹¨¸î¸ œ¸¸½¹ß¸÷¸ ù¸¸½¹‰¸Ÿ¸ ‚œ¸›¸ú ˆºÅ¥¸ 縿œ¸¹î¸ ˆÅ¸ 1% ¡¸¸ „ç¸ç¸½ ‚¹š¸ˆÅ ª¾.
7.4 ñ¸ÿˆÅ ׸£¸ ‡ˆÅ¥¸ „š¸¸£ˆÅ÷¸¸Ä ç¸úŸ¸¸ (‡ç¸ñ¸ú‡¥¸), 縟¸Þª „š¸¸£ˆÅ÷¸¸Ä ç¸úŸ¸¸ (ù¸úñ¸ú‡¥¸) ˆÅ¸½ ™ú Š¸ƒÄ ç¸úŸ¸¸ 總 ‚¹š¸ˆÅ ˆÅ¸ ñ¡¸¸¾£¸:
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(`) (`) ‡Æ縜¸¸½Î¸£% þ瘸¹÷¸
1. ‡ˆÅ¥¸ „š¸¸£ˆÅ÷¸¸Ä 𸸣÷¸ú¡¸ ‰¸¸Ô¸ ¹›¸Š¸Ÿ¸ 5,150.10 10,000.00 29.12% 1,610.21 4.68%
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ûö¿Åè ˆÅ¸ 25%.
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154 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

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‚Ÿ¸Þ÷¸Ä œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ ù¸¾ç¸½ £¸ƒ’Ãç¸, ¥¸¸ƒç¸½¿ç¸, ‚˜¸¸Á¹£’ú ‚¸¹™ œ¸£ œÏ𸸣 ˆ½Å œ¸½’½ ñ¸ˆÅ¸¡¸¸ †μ¸ £¸¹©¸ ©¸Þ›¡¸ ©¸Þ›¡¸
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𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ˆ½Å œ¸¹£œ¸°¸ ÇÅŸ¸¸¿ˆÅ OD.BP.BC.No./83/08.12.014/2012-13 ¹™›¸¸¿ˆÅ 18 Ÿ¸¸ê¸Ä, 2013 ˆ½Å ‚›¸ºç¸¸£ ç¸èõˆÅ/£¸ù¸Ÿ¸¸Š¸Ä œ¸¹£¡¸¸½ù¸›¸¸‡¿ ‚¸¾£ ’¸½¥¸
縿ŠÏª ‚¹š¸ˆÅ¸£ 總 縿ñ¸¿¹š¸÷¸ ‚¹ŠÏŸ¸, ¹ñ¸¥è ‚¸Áœ¸£½’ ’︛ç¸ûÅ£ (ñ¸ú‚¸½’ú) ˆ½Å ÷¸ª÷¸ ¨¸¸¹ß¸ÄˆÅú ¨¸¼¹î¸ ׸£¸ 縟¸¹˜¸Ä÷¸ ªÿ.
8. 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ׸£¸ ¥¸Š¸¸‡ Š¸‡ ™¿è ˆÅ¸ œÏˆÅ’úˆÅ£μ¸ : `414.86 ¥¸¸‰¸, (Š¸÷¸ ¨¸ß¸Ä `8.43 ¥¸¸‰¸)
‡. ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸½¿ ˆ½Å ‚›¸ºç¸¸£ ƒ¿ç’ú’á¸Þ’ ‚¸ÁûŠ길’ÄèÄ ‡ˆÅ¸„¿’½¿’Ãç¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ׸£¸ ¹™©¸¸¹›¸™½Ä©¸ ù¸¸£ú ¹ˆÅ‡ ªÿ.
9. £¸ù¸ç¨¸ œ¸ªê¸¸›¸ (‡‡ç¸ 9)
縸˜¸ÄˆÅ ¥¸½‰¸¸ ›¸ú¹÷¸ ˆÅú ‚›¸ºç¸Þê¸ú 17 ˆÅú ¥¸½‰¸¸ ›¸ú¹÷¸ 縿. 3.3 ˆ½Å ‚›¸ºç¸¸£ ‚¸¡¸ ˆÅú ˆºÅø Ÿ¸™¸½¿ ˆÅ¸½ ¨¸ç¸Þ¥¸ú ˆ½Å ‚¸š¸¸£ œ¸£ ªú Ÿ¸¸›¸¸ Š¸¡¸¸ ª¾; ÷¸˜¸¸¹œ¸ ƒç¸ œÏˆÅ¸£ ˆÅú ‚¸¡¸
ˆÅ¸½ ©¸¸¹Ÿ¸¥¸ ›¸ªì ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
10. ˆÅŸ¸Ä길£ú ¥¸¸ð¸ (‡‡ç¸ 15 - 縿©¸¸½¹š¸÷¸)
10.1 œ¸¹£ð¸¸¹ß¸÷¸ ¥¸¸ð¸ ¡¸¸½ù¸›¸¸ - ˆÅŸ¸Ä길£ú œ¸½¿©¸›¸ ¡¸¸½ù¸›¸¸ ‚¸¾£ ŠÏ½ê¡¸º’ú ¡¸¸½ù¸›¸¸ :
31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 縟¸¸œ÷¸ ªº‡ ¨¸ß¸Ä ˆÅú ñ¸úŸ¸¸¿¹ˆÅˆÅ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ¹£œ¸¸½’Ä ˆ½Å ‚›¸ºç¸¸£ ñ¸ÿˆÅ ›¸½ ƒ¿ç’ú’á¸Þ’ ‚¸ÁûŠ길’ÄèÄ ‡ˆÅ¸„¿’½¿’Ãç¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ׸£¸ ù¸¸£ú ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸½¿
ˆ½Å ‚›¸ºç¸¸£ ˆÅŸ¸Ä길£ú ¹ª÷¸¸½¿ ˆ½Å ¹¥¸‡ 眸ߒúˆÅ£μ¸ ¹™¡¸¸ ª¾. œÏˆÅ’úˆÅ£μ¸ ƒç¸ œÏˆÅ¸£ ª¾:
(` ˆÅ£¸½èõ Ÿ¸½¿)
¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸ ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸
i) œ¸¸¹£ð¸¸¹ß¸÷¸ ¥¸¸ð¸ ñ¸¸š¡¸÷¸¸‚¸½¿ Ÿ¸½¿ œ¸¹£¨¸÷¸Ä›¸ ™©¸¸Ä›¸½ ¨¸¸¥¸ú 縸£μ¸ú :
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ™½¡¸÷¸¸ 1,114.72 1,1231.15 1,110.33 9,619.00
ñ¡¸¸ù¸ ¥¸¸Š¸÷¸ 80.26 836.72 88.72 775.29
길¥¸Þ 總¨¸¸ ¥¸¸Š¸÷¸ 53.45 120.75 47.72 134.46
¹œ¸ø¥¸ú 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸ œ¸¹£©¸¸½š¸›¸) 242.12 ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¹œ¸ø¥¸ú 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
™½¡¸÷¸¸ ‚¿÷¸£μ¸ ‚¸¨¸ˆÅ
©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
™½¡¸÷¸¸ ‚¿÷¸£μ¸ ù¸¸¨¸ˆÅ
(137.65) (659.09) (148.80) (624.25)
œÏ™î¸ ¥¸¸ð¸
34.24 311.61 30.71 533.48
¹¨¸î¸ú¡¸ š¸¸£μ¸¸ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ(‚ù¸Ä›¸)/ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ª¸¹›¸ (142.26) (37.82) (13.96) 793.17
ñ¸úŸ¸¸¿¹ˆÅˆÅ(‚ù¸Ä›¸)/ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ª¸¹›¸ 1244.88 11803.32 1,114.72 1,1231.15
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸‡¿
ii) ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å „¹ê¸÷¸ Ÿ¸Þ¥¡¸ ˆÅú 縸£μ¸ú:
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 1,333.03 11,214.89 1,251.27 9,525.70
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ‚œ¸½¹®¸÷¸ œÏ¹÷¸¥¸¸ð¸ 95.98 835.51 99.98 767.77
‚¿©¸™¸›¸ ©¸Þ›¡¸ 745.08 88.16 1,019.42
‚›¡¸ ˆ¿Åœ¸›¸ú 總 ‚¿÷¸£μ¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ ˆ¿Åœ¸›¸ú ˆÅ¸½ ‚¿÷¸£μ¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
œÏ™î¸ ¥¸¸ð¸ (137.65) (659.09) (148.80) (624.25)
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ ‚¹ð¸±¸¸÷¸ ¹ˆÅ¡¸¸ ù¸¸›¸½ ¨¸¸¥¸¸ 1,302.00 12,115.00 1,333.03 11,214.89
ñ¸úŸ¸¸¿¹ˆÅˆÅ(‚ù¸Ä›¸)/ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ª¸¹›¸ (108.02) 273.79 16.75 1,326.65
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
ˆºÅ¥¸ ¹ê¸þ›ª÷¸ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) (118.66) 295.18 (25.67) (800.40)

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ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸ ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸
iii) 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ˆÅú œ¸ªê¸¸›¸:
œÏ¸£¿¹ð¸ˆÅ 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ œ¸ªê¸¸›¸ú Š¸¡¸ú 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚¿÷¸ Ÿ¸½¿ 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸

iv) ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ œÏ¹÷¸¥¸¸ð¸:

¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ 縿𸸹¨¸÷¸ œÏ¹÷¸¥¸¸ð¸ 95.98 835.51 99.98 767.77
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ ¥¸¸ð¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ œÏ¹÷¸¥¸¸ð¸ 106.62 814.12 142.40 1294.02
v) ‚¸¡¸ ¹¨¸¨¸£μ¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ¨¡¸¡¸:
¨¸÷¸ÄŸ¸¸›¸ 總¨¸¸ ¥¸¸Š¸÷¸ 53.45 120.75 47.72 134.46
ñ¡¸¸ù¸ ¥¸¸Š¸÷¸ (15.72) 1.21 (11.26) 7.52
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ 縿𸸹¨¸÷¸ œÏ¹÷¸¥¸¸ð¸
œ¸ªê¸¸›¸ú Š¸ƒÄ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸ œ¸¹£©¸¸½š¸›¸) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
œ¸ªê¸¸›¸ú Š¸ƒÄ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸) 242.12 ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
縿ÇÅŸ¸μ¸ ™½¡¸÷¸¸ ˆÅú œ¸ªê¸¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
ñ¸úŸ¸¸¿¹ˆÅˆÅ ¥¸¸ð¸ ¡¸¸ ª¸¹›¸ (118.66) (295.18) (25.67) 800.40
¥¸¸ð¸ ª¸¹›¸ ‰¸¸÷¸½ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ¨¡¸¡¸ 161.19 417.14 10.79 942.38

vi) ÷¸º¥¸›¸ œ¸°¸ 縟¸¸š¸¸›¸:

œÏ¸£¿¹ð¸ˆÅ ©¸ºÖ ™½¡¸÷¸¸ (¹œ¸ø¥¸½ ¨¸ß¸Ä ˆ½Å ÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ©¸ºÖ £¸¹©¸) (218.31) 16.26 (140.94) 93.30

„œ¸¡¸ºÄÆ÷¸ ˆ½Å ‚›¸ºç¸¸£ ¨¡¸¡¸ 161.19 417.14 10.79 942.38

‚›¡¸ ˆ¿Åœ¸¹›¸¡¸¸½¿ 總 ‚¿÷¸¹£÷¸ (©¸ºÖ) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ ˆ¿Åœ¸¹›¸¡¸¸½¿ ˆÅ¸½ ‚¿÷¸¹£÷¸ (©¸ºÖ) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¹›¸¡¸¸½Æ÷¸¸ ˆÅ¸ ‚¿©¸™¸›¸ ©¸Þ›¡¸ (745.08) (88.16) (1,019.42)
÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ £¸¹©¸ (57.12) (311.68) (218.31) 16.26

vii) ‚›¡¸ ñ¡¸¸¾£½:

œ¸½¿©¸›¸ 總¨¸¸ ˆ½Å œÏ÷¡¸½ˆÅ 縸¥¸ ˆ½Å ¹¥¸‡ ¨¸½÷¸›¸ ˆ½Å 1/66 ˆÅú ™£ 總 ™½¡¸ ª¾, ù¸¸½ ¹ˆÅ
‚¹š¸ˆÅ÷¸Ÿ¸ 50% ˆ½Å ‚š¡¸š¸ú›¸ ª¾.
ŠÏ½ê¡¸º’ú 總¨¸¸ ˆ½Å œÏ÷¡¸½ˆÅ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ 15 ¹™›¸ ˆ½Å ¨¸½÷¸›¸ ˆÅú ™£ œ¸£ ™½¡¸ ª¾, ñ¸©¸÷¸½Ä ¹ˆÅ
‚¹š¸ˆÅ÷¸Ÿ¸ £¸¹©¸ `10,00,000.00 ¡¸¸ ñ¸ÿˆÅ ˆÅú ¡¸¸½ù¸›¸¸ ˆ½Å ‚›¸ºç¸¸£ ª¸½.
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/ª¸¹›¸ ˆÅú Š¸μ¸›¸¸ ˆÅú Š¸ƒÄ ª¾.
¨¸½÷¸›¸ ¨¸¼¹Ö ˆÅŸœ¸›¸ú ׸£¸ ñ¸÷¸¸‡ ‚›¸ºç¸¸£ 縟¸¸¡¸¸½¹ù¸÷¸ ˆÅú Š¸ƒÄ ª¾, ù¸¸½ œ¸™¸½››¸¹÷¸,
ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅú Ÿ¸¸¿Š¸ ‡¨¸¿ œ¸Þ¹÷¸Ä ˆÅ¸½ š¡¸¸›¸ Ÿ¸½¿ £‰¸÷¸½ ªº‡ ñ¸ÿëˆÅŠ¸ „Ô¸¸½Š¸ Ÿ¸½¿ ¥¸¸Š¸Þ œÏ˜¸¸
ˆ½Å ‚›¸ºç¸¸£ ª¾.
縙硸¸½¿ ˆÅú 縿‰¡¸¸
37,502 16,443 37,120 18,059
¨¸½÷¸›¸ œÏ¹÷¸ Ÿ¸¸ª
171.21 92.65 162.08 96.58
‚Š¸¥¸½ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ ‚¿©¸™¸›¸
©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ 137.01

156 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 (` ˆÅ£¸½èõ Ÿ¸½¿)
¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸ ŠÏ½ê¡¸º’ú œ¸½¿©¸›¸
viii) ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ 縿¨¸Š¸Ä:
𸸣÷¸ 縣ˆÅ¸£ ˆÅú ‚¸þç÷¸¡¸¸¿ 94.78 250.28 121.75 366.40
ˆÅ¸Áœ¸¸½Ä£½’ ñ¸¸Á›è 178.50 1,342.84 251.89 1,771.02
¹¨¸©¸½ß¸ ù¸Ÿ¸¸ ¡¸¸½ù¸›¸¸ 8.01 410.00 ©¸Þ›¡¸ ©¸Þ›¡¸
£¸ù¡¸ 縣ˆÅ¸£ 174.58 761.71 139.50 344.00
縿œ¸¹î¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ 111.64 1,324.49 113.85 1,246.48
ñ¸úŸ¸¸ˆÅ÷¸¸Ä œÏñ¸¿¹š¸÷¸ ¹›¸¹š¸¡¸¸¿ 734.50 8,025.68 706.04 7,486.99
¡¸¸½Š¸ 1,302.01 12,115.00 1,333.03 11,214.89
ix) Ÿ¸º‰¡¸ ñ¸úŸ¸¸¿ˆÅˆÅ œ¸Þ¨¸¸Ä›¸ºŸ¸¸›¸ ˆÅ¸ „œ¸¡¸¸½Š¸ (%)
¹œ¸ø¥¸ú øÞ’ ™£ 7.20 7.45 7.99 8.06
¹œ¸ø¥¸ú ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ ˆÅú ™£ 7.20 7.45 7.99 8.06
¹œ¸ø¥¸ú ¨¸½÷¸›¸ ¨¸¼¹Ö 5.00 5.00 5.00 5.00
¹œ¸ø¥¸ú ‡’ïú©¸›¸ ™£ 2.00 2.00 2.00 2.00
길¥¸Þ øÞ’ ™£ 7.83 7.76 7.20 7.45
¨¸÷¸ÄŸ¸¸›¸ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ ™£ 7.83 7.76 7.20 7.45
¨¸÷¸ÄŸ¸¸›¸ ¨¸½÷¸›¸ ¨¸¼¹Ö 5.00 5.00 5.00 5.00
¨¸÷¸ÄŸ¸¸›¸ ‡’ïú©¸›¸ ™£ 2.00 2.00 2.00 2.00
(` ˆÅ£¸½èõ Ÿ¸½¿)
¡¸¸½ù¸›¸¸ Ÿ¸½¿ ‚¹š¸©¸½ß¸/ ŠÏ½ê¡¸º’ú ¡¸¸½ù¸›¸¸
ˆÅŸ¸ú :
÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ £¸¹©¸ 31.03.2018 31.03.2017 31.03.2016 31.03.15 31.03.14
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸‡¿ 1,244.88 1,114.72 1,110.33 1,088.16 1,060.13
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 1,302.00 1,333.03 1,251.27 1,264.00 1,081.23
‚¿÷¸£ 57.12 218.31 140.94 175.84 21.10
œ¸ªê¸¸›¸ú ›¸ªì Š¸ƒÄ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ 65.00
œ¸ªê¸¸›¸ú ›¸ªì Š¸ƒÄ 縿ÇÅŸ¸μ¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ ˆÅú Š¸ƒÄ £¸¹©¸ 57.12 218.31 140.94 175.84 86.10

÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ Ÿ¸¸›¡¸÷¸¸ œÏ¸œ÷¸ £¸¹©¸ ŠÏ½ê¡¸º’ú ¡¸¸½ù¸›¸¸

‚›¸ºð¸¨¸ 縟¸¸¡¸¸½ù¸›¸ 31.03.2018 31.03.2017 31.03.2016 31.03.15 31.03.14
¡¸¸½ù¸›¸¸Š¸÷¸ ™½¡¸÷¸¸‡¿ (¥¸¸ð¸)/ª¸¹›¸ (142.26) (13.96) ©¸Þ›¡¸ (21.18) 123.74
¡¸¸½ù¸›¸¸Š¸÷¸ ‚¸þç÷¸¡¸¸¿ (ª¸¹›¸)/¥¸¸ð¸ 10.64 42.42 29.80 38.03 (20.00)

¡¸¸½ù¸›¸¸ Ÿ¸½¿ ‚¹š¸©¸½ß¸/ˆÅŸ¸ú: œ¸½¿©¸›¸

÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ ˆÅú Š¸ƒÄ £¸¹©¸ 31.03.2018 31.03.2017 31.03.2016 31.03.15 31.03.14
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸‡¿ 11,803.32 11,231.15 9,619.00 8,218.43 6,683.81
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 12,115.00 11,214.89 9,525.70 7,861.00 6,104.73
‚¿÷¸£ 311.68 (16.26) (93.30) (357.43) (579.08)
œ¸ªê¸¸›¸ú ›¸ªì Š¸ƒÄ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ 338.00
œ¸ªê¸¸›¸ú ›¸ªì Š¸ƒÄ œ¸¹£¨¸÷¸Ä›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ ˆÅú Š¸ƒÄ £¸¹©¸ 311.68 (16.26) (93.30) (357.43) (241.08)

÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ ˆÅú Š¸ƒÄ £¸¹©¸ œ¸½¿©¸›¸

‚›¸ºð¸¨¸ 縟¸¸¡¸¸½ù¸›¸ 31.03.2018 31.03.2017 31.03.2016 31.03.15 31.03.14
¡¸¸½ù¸›¸¸Š¸÷¸ ™½¡¸÷¸¸‡¿ (¥¸¸ð¸)/ª¸¹›¸ (37.82) 793.17 1,399.16 731.44 661.38
¡¸¸½ù¸›¸¸Š¸÷¸ ‚¸þç÷¸¡¸¸¿ (ª¸¹›¸)/¥¸¸ð¸ (21.39) 526.25 155.11 210.89 (233.23)

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 157

10.2 œ¸¸¹£ð¸¸¹ß¸÷¸ ‚¿©¸™¸›¸ ¡¸¸½ù¸›¸¸:
ñ¸ÿˆÅ ׸£¸ ‚¿©¸™¸›¸ œ¸½¿©¸›¸ ¡¸¸½ù¸›¸¸ (èúç¸úœ¸ú‡ç¸) ¥¸¸Š¸Þ ˆÅú Š¸ƒÄ ª¾, ù¸¸½ ¹™›¸¸¿ˆÅ 01 ‚Š¸ç÷¸, 2010 總 ç¸ð¸ú 縿¨¸Š¸Ä ˆ½Å ‚¹š¸ˆÅ¸¹£¡¸¸½¿ ‚¸¾£ ˆÅŸ¸Ä길¹£¡¸¸½¿ œ¸£ ¥¸¸Š¸Þ ª¾. ƒç¸
¡¸¸½ù¸›¸¸ ˆÅ¸ œÏñ¸¿š¸›¸ œ¸½¿©¸›¸ ûÅμè ¹›¸¡¸¸Ÿ¸ˆÅ ‡¨¸¿ ¹¨¸ˆÅ¸ç¸ œÏ¸¹š¸ˆÅ¸£ú ˆ½Å ‚š¸ú›¸ ‡›¸œ¸ú‡ç¸ ’ïç’ ×¸£¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. ‡›¸œ¸ú‡ç¸ ˆ½Å ¹¥¸‡ ›¸½©¸›¸¥¸ ¹ç¸Æ¡¸Þ¹£’úù¸ ¹èœ¸¸Á¹ù¸’£ú
¹¥¸¹Ÿ¸’½è ˆÅ¸½ ˆ½Å›Íú¡¸ ¹£ˆÅ¸ÁèÄ ˆÅú뜸Š¸ ‡ù¸½¿ç¸ú ˆ½Å ²œ¸ Ÿ¸½¿ ¹›¸¡¸ºÆ÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾. ¹¨¸î¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ ñ¸¾ˆÅ ׸£¸ ‡›¸œ¸ú‡ç¸ ˆÅ¸½ `86.48 ˆÅ£¸½èõ (¹œ¸ø¥¸½ ¨¸ß¸Ä
`68.69 ˆÅ£¸½èõ) ˆÅ¸ ‚¿©¸™¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.

10.3 ‚›¡¸ ™ú‹¸¸Ä¨¸¹š¸ ˆÅŸ¸Ä길£ú ¥¸¸ð¸:

¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹¨¸¹ð¸››¸ ™ú‹¸¸Ä¨¸¹š¸ ˆÅŸ¸Ä길£ú ¥¸¸ð¸ ˆ½Å ¹¥¸‡ ¹ˆÅ‡ Š¸‡ œÏ¸¨¸š¸¸›¸¸½¿ ˆ½Å ñ¡¸¸¾£½ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ªÿ:
(` ˆÅ£¸½èõ Ÿ¸½¿)
ÇÅ. ‚›¡¸ ™ú‹¸ÄˆÅ¸¹¥¸ˆÅ ¥¸¸ð¸ 31.03.2018 31.03.17
1. œ¸½¿©¸›¸ 417.14 942.00
2. ‚¨¸ˆÅ¸©¸ ›¸ˆÅ™úˆÅ£μ¸ 61.84 58.00
3. ‚¨¸ˆÅ¸©¸ ¡¸¸°¸¸ ¹£¡¸¸¡¸÷¸ (19.02) (3.69)
4. ñ¸úŸ¸¸£ú ‚¨¸ˆÅ¸©¸ ©¸Þ›¡¸ ©¸Þ›¡¸
11. ®¸½°¸¨¸¸£ ¹£œ¸¸½’Ä (‡‡ç¸-17) (` ˆÅ£¸½èõ Ÿ¸½¿)
ˆÅ¸£¸½ñ¸¸£ ®¸½°¸ ç’ÿè ‚¥¸¸½›¸
¨¸ß¸Ä ˆÅú 縟¸¸þœ÷¸
(¥¸½‰¸¸œ¸£ú¹®¸÷¸) (¥¸½‰¸¸œ¸£ú¹®¸÷¸)
31.03.2018 31.03.2017
(‡) ®¸½°¸¨¸¸£ £¸ù¸ç¨¸
1 ’ï½Î¸£ú œ¸¹£ê¸¸¥¸›¸ 12,008.17 12,508.55
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 10,880.08 10,293.19
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 14,012.38 14,586.86
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 550.49 334.31
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 498.22 ©¸Þ›¡¸
¡¸¸½Š¸ 37,949.34 37,722.91
‹¸’¸¡¸¸: ‚¿÷¸£ ®¸½°¸¨¸¸£ £¸ù¸ç¨¸ (211.48) 98.33
ˆºÅ¥¸ £¸ù¸ç¨¸ 37,737.86 37,624.58
(ñ¸ú) ®¸½°¸¨¸¸£ œ¸¹£μ¸¸Ÿ¸
1 ’ï½Î¸£ú œ¸¹£ê¸¸¥¸›¸ 1,649.05 3,418.01
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 424.86 679.02
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ (9,488.51) (3,933.55)
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 275.25 179.12
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 498.22 ©¸Þ›¡¸
ˆÅ£ œ¸Þ¨¸Ä ˆºÅ¥¸ ¥¸¸ð¸ (6,641.13) 342.60
(ç¸ú) ‚¸¡¸ˆÅ£ (1393.76) (212.62)
(èú) ©¸ºÖ ¥¸¸ð¸ (5247.37) 555.21
(ƒÄ) ®¸½°¸¨¸¸£ ‚¸þç÷¸¡¸¸¿
1 ’ï½Î¸£ú œ¸¹£ê¸¸¥¸›¸ 1,74,049.92 1,49,452.25
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 1,16,279.02 1,01,247.61
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 1,87,288.80 1,96,700.94
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 9,788.25 5,303.64
¡¸¸½Š¸ 4,87,405.99 4,52,704.44

158 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 ®¸½°¸¨¸¸£ ™½¡¸÷¸¸‡¿
(‡ûÅ) ’ï½Î¸£ú œ¸¹£ê¸¸¥¸›¸ 1,67,650.29 1,42,297.16
1 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 1,12,561.64 97,183.59
2 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 1,81,301.28 1,88,805.48
3 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
4 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 796.02 442.01
5 œ¸Þ¿ù¸ú, ¹›¸¹š¸¡¸¸¿ ‡¨¸¿ ‚¹š¸©¸½ß¸ 25,096.76 23,976.20
¡¸¸½Š¸ 4,87,405.99 4,52,704.44
¹’œœ¸¹μ¸¡¸¸¿:
1. ñ¸ÿˆÅ 길£ ®¸½°¸¸½¿ ¡¸˜¸¸: ’ï½Î¸£ú, ¹£’½¥¸, ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ ‡¨¸¿ ‚›¡¸ ñ¸ÿëˆÅŠ¸ Ÿ¸½¿ œ¸¹£ê¸¸¥¸›¸ ˆÅ£÷¸¸ ª¾. „÷œ¸¸™ ‚¸¾£ 總¨¸¸‚¸½¿ ˆÅú ù¸¸½¹‰¸Ÿ¸ œÏ¸½ûŸƒ¥¸ ‚¸¾£ œÏˆÅ¼¹÷¸, ¥¸¹®¸÷¸
ŠÏ¸ªˆÅ œÏ¸½ûŸƒ¥¸, ñ¸ÿˆÅ ˆÅú 縿Š¸¶›¸¸÷Ÿ¸ˆÅ 縿£ê¸›¸¸ ‚¸¾£ ‚¸¿÷¸¹£ˆÅ ¹£œ¸¸½ë’ÄŠ¸ œÏμ¸¸¥¸ú œ¸£ ¹¨¸ê¸¸£ ˆÅ£›¸½ ˆ½Å ñ¸¸™, ƒ¿ç’ú’á¸Þ’ ‚¸ÁûŠ길’ÄèÄ ‚ˆÅ¸„¿’½¿’Ãç¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸
(‚¸ƒÄç¸ú‡‚¸ƒÄ) ׸£¸ ù¸¸£ú ®¸½°¸¨¸¸£ ¹£œ¸¸½ë’ÄŠ¸ 總 縿ñ¸¿¹š¸÷¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ (‡‡ç¸) 17 ˆ½Å ‚›¸ºç¸¸£ ƒ›¸ ®¸½°¸¸½¿ ˆÅú œ¸ªê¸¸›¸ ˆÅú Š¸¡¸ú ª¾. ñ¸ÿˆÅ ›¸½ ˆÅ¸£¸½ñ¸¸£ ®¸½°¸ ˆÅ¸½ œÏ¸˜¸¹Ÿ¸ˆÅ
®¸½°¸ ˆ½Å ³œ¸ Ÿ¸½¿ œÏˆÅ’ ¹ˆÅ¡¸¸ ª¾. ¹¨¸™½©¸ú ©¸¸‰¸¸ ˆÅú ƒç¸ ‚¨¸¹š¸ ˆÅú ‚¸¡¸ ‚¸¾£ ‚›¡¸ œ¸¾£¸Ÿ¸ú’£, (‡‡ç¸) 17 Ÿ¸½¿ ñ¸÷¸¸¡¸ú Š¸¡¸ú ç¸úŸ¸¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ªÿ. ‚÷¸: ñ¸ÿˆÅ ˆÅ¸ ¹£œ¸¸½’Ä
ˆÅ£›¸½ ¡¸¸½Š¡¸ 𸸾Š¸¸½¹¥¸ˆÅ ®¸½°¸ ˆ½Å¨¸¥¸ ‡ˆÅ ªú ª¾.
2. ç¸úš¸½ ÷¸¸¾£ œ¸£ ‚¸ñ¸¿¹’÷¸ ›¸ ¹ˆÅ¡¸½ ù¸¸ 縈ś¸½ ¡¸¸½Š¡¸ ‚¸¡¸, ¨¡¸¡¸, ‚¸þç÷¸¡¸¸¿ ‚¸¾£ ™½¡¸÷¸¸‡¿ „¹ê¸÷¸ 縟¸å¸½ ù¸¸›¸½ ¨¸¸¥¸½ ‚›¸ºŸ¸¸›¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ¹£œ¸¸½’Ä ¹ˆÅ¡¸½ ù¸¸›¸½ ¨¸¸¥¸½ ®¸½°¸¸½¿
Ÿ¸½¿ ‚¸ñ¸¿¹’÷¸ ˆÅ£ ¹™¡¸½ Š¸¡¸½ ªÿ.
3. ¹œ¸ø¥¸½ ¨¸ß¸Ä ˆ½Å ñ¸¸£ª Ÿ¸ªú›¸¸½¿/¹÷¸Ÿ¸¸ªú ˆ½Å ‚¸ˆÅèõ¸½¿ ˆÅ¸½ ‚¸¨¸©¡¸ˆÅ÷¸¸›¸ºç¸¸£ œ¸º›¸: 縟¸ÞªúˆÅ¼÷¸/œÏç÷¸º÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾; ÷¸¸¹ˆÅ ¨¸÷¸ÄŸ¸¸›¸ ñ¸¸£ª Ÿ¸ªú›¸¸½¿/¹÷¸Ÿ¸¸ªú ˆ½Å ¨¸Š¸úĈţμ¸/
œÏç÷¸º¹÷¸ ˆ½Å ‚›¸º³œ¸ ª¸½.
12 縿ñ¸¿¹š¸÷¸ œ¸¸¹’Ä¡¸¸½¿ ˆÅ¸ œÏˆÅ’›¸ (‡‡ç¸ -18)
12.1 縿ñ¸¿¹š¸÷¸ œ¸¸¹’Ä¡¸¸½¿ ˆÅú ç¸Þê¸ú
(‡) 縟¸›¸ºß¸¿Š¸ú :
y ¡¸Þ¹›¸¡¸›¸ ‡ç¸½’ Ÿ¸¾›¸½ù¸Ÿ¸½¿’ ˆ¿Åœ¸›¸ú œÏ¸. ¹¥¸.
y ¡¸Þ¹›¸¡¸›¸ ’ïç’ú ˆ¿Å. œÏ¸. ¹¥¸.
y ¡¸Þ¹›¸¡¸›¸ ñ¸¾ˆÅ ‚¸ûÅ ƒ¿¹è¡¸¸ (¡¸Þˆ½Å) ¹¥¸¹Ÿ¸’½è.
(ñ¸ú) 縿¡¸ºÆ÷¸ „Ô¸Ÿ¸:
y ç’¸£ ¡¸Þ¹›¸¡¸›¸ ™¸ƒÄ-ƒê¸ú ¥¸¸ƒûÅ ƒ¿©¡¸¸½£½¿ç¸ ˆ¿Å. ¹¥¸.
(ç¸ú) ‡ç¸¸½¹ç¸‡’ :
y Ÿ¸Þ¥¸ ñ¸ÿˆÅ ׸£¸ œÏ¸¡¸¸½¹ù¸÷¸ ®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ ‚˜¸¸Ä÷¸ ˆÅ¸©¸ú Š¸¸½Ÿ¸÷¸ú 縿¡¸º÷¸ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ
(èú) œÏŸ¸º‰¸ œÏñ¸¿š¸›¸ ˆÅ¸¹Ÿ¸ÄˆÅ
›¸¸Ÿ¸ œ¸™›¸¸Ÿ¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ 總¨¸¸ ŠÏªμ¸ ˆÅ£›¸½/總¨¸¸¹›¸¨¸¼î¸ ª¸½›¸½ ¨¸¸¥¸½
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ð¸ú œÏˆÅ’úˆÅ£μ¸ ˆÅú ‚¸¨¸©¡¸ˆÅ÷¸¸ ›¸ªì ª¾. ‚¸Š¸½, ‡‡ç¸-18 ˆ½Å œ¸¾£¸ 5 ˆ½Å ‚›¸ºç¸¸£, ñ¸ÿˆÅ£ ŠÏ¸ªˆÅ 縿ñ¸¿š¸ ˆÅú œÏˆÅ¼¹÷¸ ˆ½Å 縿¨¡¸¨¸ª¸£¸½¿, ¹ù¸ç¸Ÿ¸½¿ œÏŸ¸º‰¸ œÏñ¸¿š¸›¸ ˆÅ¸¹Ÿ¸ÄˆÅ ‚¸¾£
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(` ˆÅ£¸½èõ Ÿ¸½¿)
¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
‚š¡¸®¸ ‡¨¸¿ œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ 0.28 0.23
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅŠ¸μ¸ 0.76 0.50
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13. œÏ¹÷¸ ©¸½¡¸£ ‚ù¸Ä›¸ (‡‡ç¸-20)
œÏ¹÷¸ ©¸½¡¸£ ‚ù¸Ä›¸ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ñ¸ˆÅ¸¡¸¸ ƒþƨ¸’ú ©¸½¡¸£¸½¿ ˆ½Å 𸸹£÷¸ ‚¸¾ç¸÷¸ 縿‰¡¸¸ 總 ˆÅ£ 𸺊¸÷¸¸›¸ ˆ½Å ñ¸¸™ œÏ¸œ÷¸ ©¸ºÖ ¥¸¸ð¸ ˆÅ¸½ ¹¨¸ð¸¸¹ù¸÷¸ ˆÅ£ Ÿ¸Þ¥¸ ‚ù¸Ä›¸ ˆÅú Š¸μ¸›¸¸
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©¸½¡¸£¸½¿ ˆ½Å 𸸹£÷¸ ‚¸¾ç¸÷¸ ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ˆÅú Š¸¡¸ú ª¾.
œÏ¹÷¸ ©¸½¡¸£ ‚ù¸Ä›¸ ˆÅú Š¸μ¸›¸¸ ›¸ú긽 ™ú Š¸¡¸ú ª¾ :
ÇÅ. ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
i Ÿ¸Þ¥¸ ‡¨¸¿ 踃¥¡¸Þ’½è ƒÄœ¸ú‡ç¸ ` (69.45) 8.08
ii ƒþƨ¸’ú ©¸½¡¸£ š¸¸£ˆÅ¸½¿ ˆÅ¸½ ˆÅ£ ˆ½Å ñ¸¸™ „œ¸¥¸ñš¸ ©¸ºÖ ¥¸¸ð¸ `ˆÅ£¸½èõ Ÿ¸½¿ (5247.37) 555.21
iii ƒþƨ¸’ú ©¸½¡¸£¸½¿ ˆÅú 𸸹£÷¸ ‚¸¾ç¸÷¸ (縿‰¡¸¸ ˆÅ£¸½èõ Ÿ¸½¿) 75.56 68.74
iv œÏ¹÷¸ ©¸½¡¸£ ‚¿¹ˆÅ÷¸ Ÿ¸Þ¥¡¸ ` 10 10
14 ˆÅ£ œÏ¸¨¸š¸¸›¸
14.1 ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ (‡‡ç¸-22) (` ˆÅ£¸½èõ Ÿ¸½¿)
ÇÅ ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ‚¸þç÷¸
1 ¹›¸¨¸½©¸ œ¸£ œÏú¹Ÿ¸¡¸Ÿ¸ ˆÅ¸ œ¸¹£©¸¸½š¸›¸ ©¸Þ›¡¸ 179.37
2 ˆÅŸ¸Ä길£ú ¥¸¸ð¸ (‚¨¸ˆÅ¸©¸ ›¸ˆÅ™úˆÅ£μ¸) 238.91 363.80
3 ‚긥¸ 縿œ¸¹î¸¡¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ 14.07 ©¸Þ›¡¸
4 ‚›¡¸ œÏ¸¨¸š¸¸›¸¸½¿ ˆ½Å ˆÅ¸£μ¸ 6637.39 2727.01
¡¸¸½Š¸ 6890.37 3270.18
‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸‡¿
1 ‚긥¸ œ¸¹£ç¸¿œ¸¹î¸¡¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ ©¸Þ›¡¸ 22.31
2 œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ œ¸£ ‚¹ù¸Ä÷¸ ¥¸¸ð¸ 790.01 670.36
3 š¸¸£¸ 36 (i) (viii) ˆ½Å ‚¿÷¸Š¸Ä÷¸ ¹¨¸©¸½ß¸ ¹£ù¸¨¸Ä 994.98 953.71
4 ¹›¸¨¸½©¸ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ 912.51 ©¸Þ›¡¸
¡¸¸½Š¸ 2697.50 1646.38
©¸ºÖ ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸¿ 4192.87 1623.80
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14.1 œÏ÷¡¸®¸ ˆÅ£
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160 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

15 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸ Ÿ¸½¿ ¹›¸¨¸½©¸: (‡‡ç¸-27)
¹›¸¨¸½©¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ` 65 ˆÅ£¸½èõ (Š¸÷¸ ¨¸ß¸Ä ` 65 ˆÅ£¸½èõ) ©¸¸¹Ÿ¸¥¸ ªÿ, ù¸¸½ ç’¸£ ¡¸Þ¹›¸¡¸›¸ ™¸ƒÄ-ƒê¸ú ¥¸¸ƒûÅ ƒ¿©¡¸¸½£½¿ç¸ ˆ¿Åœ¸›¸ú Ÿ¸½¿ ñ¸ÿˆÅ ˆÅú ¹ª÷¸ £¸¹©¸ ª¾. ¡¸ª ˆ¿Åœ¸›¸ú 縿¡¸ºÆ÷¸
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16. ‚¸þç÷¸¡¸¸½¿ ˆÅú ª¸¹›¸ (‡‡ç¸-28)
œÏñ¸¿š¸›¸ ˆÅú £¸¡¸ Ÿ¸½¿ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ „›¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ‚›¸ù¸ÄˆÅ ª¸½›¸½ ˆ½Å ˆÅ¸½ƒÄ 縿ˆ½Å÷¸ ›¸ªì ªÿ, ¹ù¸›¸ œ¸£ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ 28 ¥¸¸Š¸Þ ª¸½÷¸¸ ª¸½.
17. ‚¸ˆÅþ矸ˆÅ ™½¡¸÷¸¸¡¸½Â (‡‡ç¸-29)
‚¸ˆÅþ矸ˆÅ ™½¡¸÷¸¸‚¸½¿ ˆÅ¸ „¥¥¸½‰¸ ‚›¸ºç¸Þê¸ú-12 ˆ½Å ÇÅ.(i) ¨¸ (vi)(i) Ÿ¸½¿ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾, ù¸¸½ ÇÅŸ¸©¸: ›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ¹›¸μ¸Ä¡¸/¹¨¸¨¸½ê¸›¸/›¡¸¸¡¸¸¥¸¡¸ ˆ½Å ñ¸¸ª£ 縟¸å¸¸¾÷¸½ ˆ½Å
‚¸š¸¸£ œ¸£ Ÿ¸¸¿Š¸ú Š¸ƒÄ £ˆÅŸ¸, 縿¹¨¸™¸Š¸÷¸ ™¸¹¡¸÷¨¸, 縿ñ¸¿¹š¸÷¸ œ¸®¸¸½¿ ׸£¸ ˆÅú Š¸¡¸ú Ÿ¸¸¿Š¸ ‡¨¸¿ œ¸¹£þ瘸¹÷¸¡¸¸½¿ ÷¸˜¸¸ ‚œ¸ú¥¸¸½¿ ˆ½Å ¹›¸ç÷¸¸£μ¸ œ¸£ ¹›¸ð¸Ä£ ª¾.
‚¹÷¸¹£Æ÷¸ œÏˆÅ’›¸
17.1 œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‡¿ : (` ˆÅ£¸½èõ Ÿ¸½¿)
¥¸¸ð¸ ‡¨¸¿ ª¸¹›¸ ‰¸¸÷¸¸ ©¸úß¸Ä ˆ½Å ‚¿÷¸Š¸Ä÷¸ "œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‚¸½¿" ˆÅ¸ ñϽˆÅ-‚œ¸ 31.03.2018 31.03.2017
¹›¸¨¸½©¸ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ ª½÷¸º œÏ¸¨¸š¸¸›¸/(¹£¨¸ç¸Ä¥¸) 1559.99 630.40
‡›¸œ¸ú‡ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 13499.84 6032.00
Ÿ¸¸›¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸/(¹£¨¸ç¸Ä¥¸) (720.39) 515.38
‚¸¡¸ˆÅ£/‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ˆ½Å ¹¥¸‡ ©¸ºÖ œÏ¸¨¸š¸¸›¸ (1393.76) (213.00)
‚›¡¸ œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‡¿:
- ¹©¸ëÉ’Š¸ ª¸¹›¸ 367.25 1.81
- ‚¹ŠÏŸ¸¸½¿ ˆÅ¸ œ¸º›¸Š¸Ä¶›¸ (235.65) 66.02
- ‚›¡¸ (290.34) (157.75)
¡¸¸½Š¸ 12786.94 6874.87
17.2 ˆÅ¸„¿’£ 縸ƒÆ¥¸úˆÅ¥¸ œÏ¸¹¨¸ù¸ë›¸Š¸ ñ¸ûÅ£/É¥¸¸½ë’Š¸ œÏ¸¨¸š¸¸›¸
(` ˆÅ£¸½èõ Ÿ¸½¿)
ÇÅ. ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
i) œÏ¸£¿¹ð¸ˆÅ ©¸½ß¸ 293.20 293.20
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iv) ‚¿¹÷¸Ÿ¸ ©¸½ß¸ 293.20 293.20
18. ‚¸£¹®¸÷¸ú 總 ‚¸ª£μ¸ :
ñ¸ÿˆÅ ׸£¸ ¨¸ß¸Ä 2017-18 ˆ½Å ™¸¾£¸›¸ ‚¸£¹®¸÷¸ú 總 ©¸Þ›¡¸ ‚¸ª£μ¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ˜¸¸-©¸Þ›¡¸
19. ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅ¸ œÏˆÅ’›¸:
‡. ŠÏ¸ªˆÅ ¹©¸ˆÅ¸¡¸÷¸½¿
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(ˆÅ) ¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 345 446
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(Š¸) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹›¸ç÷¸¸¹£÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 4,25,976 1,97,752
(‹¸) ¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 415 345

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 ñ¸ú. ñ¸ÿˆÅ Ѹ£¸ ù¸¸£ú ‡’ú‡Ÿ¸ ˆÅ¸èÄ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ¹©¸ˆÅ¸¡¸÷¸:
ÇÅ. ¹¨¸¨¸£μ¸ 31.03.2017 31.03.2016

(ˆÅ) ¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ ©¸Þ›¡¸ 155
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(Š¸) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹›¸ç÷¸¸¹£÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 93,370 51,610
(‹¸) ¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 57 ©¸Þ›¡¸

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(ˆÅ) ¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú
縿‰¡¸¸ 3 55 ÇÅ ‚¸¡¸ ˆÅ¸ 稸³œ¸ 31.03.2018 31.03.2017
(‰¸) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¸œ÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 縿‰¡¸¸ 52,743 25,520 1. ù¸ú¨¸›¸ ñ¸úŸ¸¸ œ¸¸Á¹¥¸ç¸ú 71.33 58.67
(Š¸) ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹›¸ç÷¸¸¹£÷¸ ¹©¸ˆÅ¸¡¸÷¸¸½¿ ˆÅú 2. Š¸¾£-ù¸ú¨¸›¸ ñ¸úŸ¸¸ œ¸¸Á¹¥¸ç¸ú 9.37 6.36
縿‰¡¸¸ 52,669 25,572 3. 稸¸ç˜¡¸ ñ¸úŸ¸¸ 8.49 3.74
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(ˆÅ) ¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ˆÅ¸¡¸¸Äþ›¨¸÷¸ ›¸ ¹ˆÅ‡ Š¸‡ ©¸Þ›¡¸ ©¸Þ›¡¸ ñ¸úç¸ ç¸ñ¸ç¸½ ñ¸èõ½ ù¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸½¿ ˆÅú ˆºÅ¥¸ ù¸Ÿ¸¸£¸¹©¸ 38,499.84 26,881.52
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縿‰¡¸¸ ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
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1 ˆºÅ¥¸ „êê¸ Š¸ºμ¸¨¸î¸¸ ¨¸¸¥¸ú ÷¸£¥¸ ‚¸þç÷¸¡¸¸¿ (‡ê¸Æ¡¸Þ‡¥¸‡) 73,100.55 71,486.12
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2 ‰¸º™£¸ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ ‡¨¸¿ ¥¸‹¸º ˆÅ¸£¸½ñ¸¸£ú ŠÏ¸ªˆÅ¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿, ¹ù¸ç¸Ÿ¸½¿ 總 2,44,507.44 21,259.59
(i) þ瘸£ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ 63,823.12 3,191.16
(ii) ‹¸’¸ƒÄ Š¸ƒÄ þ瘸£ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ 1,80,864.32 18,068.43
3 ñ¸½ù¸Ÿ¸¸›¸÷¸ú ˜¸¸½ˆÅ ¹›¸¹š¸¡¸¸¿, ¹ù¸ç¸Ÿ¸½¿ 總 1,17,307.58 57,435.89
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(ii) Š¸¾£-œ¸¹£ê¸¸¥¸¸›¸¸÷Ÿ¸ˆÅ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ (ç¸ð¸ú ˆÅ¸…¿’£ œ¸¸¹’Ä¡¸¸¿) 99,786.16 39,914.46
(iii) ñ¸½ù¸Ÿ¸¸›¸÷¸ú †μ¸ 17,521.42 17,521.42
4 ù¸Ÿ¸¸›¸÷¸ú ˜¸¸½ˆÅ ¹›¸¹š¸¡¸¸¿ 8,775.27 5,164.96
5 ‚¹÷¸¹£Æ÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿, ¹ù¸ç¸Ÿ¸½¿ 總 21,070.06 2,186.18
(i) è½£ú¨¸½¹’¨¸ ‡Æ縜¸¸½Î¸£ ‡¨¸¿ ‚›¡¸ 縟œ¸¸¹æ¸ÄˆÅ ‚¸¨¸©¡¸ˆÅ÷¸¸‚¸½¿ 總 縿ñ¸¿¹š¸÷¸ ñ¸¹ªœÏĨ¸¸ª 23.52 23.52
(ii) †μ¸ „÷œ¸¸™¸½¿ œ¸£ ¹›¸¹š¸¡¸¸½¿ Ÿ¸½¿ ª¸¹›¸ 總 縿ñ¸¿¹š¸÷¸ ñ¸¹ªœÏĨ¸¸ª ©¸Þ›¡¸ ©¸Þ›¡¸
(iii) †μ¸ ‡¨¸¿ ÷¸£¥¸÷¸¸ 縺¹¨¸š¸¸‡¿ 21,446.54 2,162.66
6 ‚›¡¸ 縿¹¨¸™¸÷Ÿ¸ˆÅ ¹›¸¹š¸ ñ¸¸š¡¸÷¸¸ 988.68 988.68
7 ‚›¡¸ ‚¸ˆÅþ矸ˆÅ ¹›¸¹š¸ ñ¸¸š¡¸÷¸¸ 43,245.98 1,298.33
8 ˆºÅ¥¸ ›¸ˆÅ™ú ñ¸¹ªœÏĨ¸¸ª 4,36,295.02 88,333.62
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9 ù¸Ÿ¸¸›¸÷¸ú ‚¹ŠÏŸ¸ („™¸ª£μ¸¸˜¸Ä ¹£¨¸ç¸Ä £½œ¸¸½) 1,381.31 ©¸Þ›¡¸
10 œ¸Þμ¸Ä ¹›¸ßœ¸¸™›¸ú¡¸ ‡Æ縜¸¸½Î¸£ 總 ‚¿÷¸œÏĨ¸¸ª 4,616.54 4,616.54
11 ‚›¡¸ ›¸ˆÅ™ ‚¿÷¸œÏĨ¸¸ª 19,628.80 13,832.13
12 ˆºÅ¥¸ ›¸ˆÅ™ ‚¿÷¸œÏĨ¸¸ª 25,626.65 18,448.67
ˆºÅ¥¸ 縟¸¸¡¸¸½¹ù¸÷¸ Ÿ¸Þ¥¡¸
21 ˆºÅ¥¸ ‡ê¸Æ¡¸Þ‡¥¸‡ 71,486.12
22 ˆºÅ¥¸ ©¸ºÖ ›¸ˆÅ™ ñ¸¹ªœÏĨ¸¸ª 69,906.05
23 ÷¸£¥¸÷¸¸ ˆÅ¨¸£½ù¸ ‚›¸ºœ¸¸÷¸ (%) 102.26%
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1 ˆºÅ¥¸ „êê¸ Š¸ºμ¸¨¸î¸¸ ¨¸¸¥¸ú ÷¸£¥¸ ‚¸þç÷¸¡¸¸¿ (‡ê¸Æ¡¸Þ‡¥¸‡) 73,099.13 70,481.31
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2 ‰¸º™£¸ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ ‡¨¸¿ ¥¸‹¸º ˆÅ¸£¸½ñ¸¸£ú ŠÏ¸ªˆÅ¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿, ¹ù¸ç¸Ÿ¸½¿ 總 2,39,549.43 20,820.47
(i) þ瘸£ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ 62,689.40 3,134.37
(ii) ‹¸’¸ƒÄ Š¸ƒÄ þ瘸£ ù¸Ÿ¸¸ £¸¹©¸¡¸¸¿ 176,860.03 17,686.00
3 ñ¸½ù¸Ÿ¸¸›¸÷¸ú ˜¸¸½ˆÅ ¹›¸¹š¸¡¸¸¿, ¹ù¸ç¸Ÿ¸½¿ 總 1,09,380.91 53,793.86
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(iii) ñ¸½ù¸Ÿ¸¸›¸÷¸ú †μ¸ 16,735.83 16,735.83

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 165

 4 ù¸Ÿ¸¸›¸÷¸ú ˜¸¸½ˆÅ ¹›¸¹š¸¡¸¸¿ 8,775.27 4,291.76
5 ‚¹÷¸¹£Æ÷¸ ‚¸¨¸©¡¸ˆÅ÷¸¸‡¿, ¹ù¸ç¸Ÿ¸½¿ 總 21,366.66 1,442.92
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(ii) †μ¸ „÷œ¸¸™¸½¿ œ¸£ ¹›¸¹š¸¡¸¸½¿ Ÿ¸½¿ ª¸¹›¸ 總 縿ñ¸¿¹š¸÷¸ ñ¸¹ªœÏĨ¸¸ª ©¸Þ›¡¸ ©¸Þ›¡¸
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6 ‚›¡¸ 縿¹¨¸™¸÷Ÿ¸ˆÅ ¹›¸¹š¸ ñ¸¸š¡¸÷¸¸ 1,452.43 1,452.43
7 ‚›¡¸ ‚¸ˆÅþ矸ˆÅ ¹›¸¹š¸ ñ¸¸š¡¸÷¸¸ 43,239.33 1,155.70
8 ˆºÅ¥¸ ›¸ˆÅ™ú ñ¸¹ªœÏĨ¸¸ª 4,23,764.03 82,957.20`
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9 ù¸Ÿ¸¸›¸÷¸ú ‚¹ŠÏŸ¸ („™¸ª£μ¸¸˜¸Ä ¹£¨¸ç¸Ä £½œ¸¸½) 1,381.31 ©¸Þ›¡¸
10 œ¸Þμ¸Ä ¹›¸ßœ¸¸™›¸ú¡¸ ‡Æ縜¸¸½Î¸£ 總 ‚¿÷¸œÏĨ¸¸ª 3,926.07 3,926.07
11 ‚›¡¸ ›¸ˆÅ™ ‚¿÷¸œÏĨ¸¸ª 19,406.29 12,911.90
12 ˆºÅ¥¸ ›¸ˆÅ™ ‚¿÷¸œÏĨ¸¸ª 24,713.67 16,837.96
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21 ˆºÅ¥¸ ‡ê¸Æ¡¸Þ‡¥¸‡ 70,481.50
22 ˆºÅ¥¸ ©¸ºÖ ›¸ˆÅ™ ñ¸¹ªœÏĨ¸¸ª 66,119.23
23 ÷¸£¥¸÷¸¸ ˆÅ¨¸£½ù¸ ‚›¸ºœ¸¸÷¸ (%) 106.60%
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¹¨¸™½©¸ú ñ¸ÿˆÅ¸½¿ ¨¸ ‚›¡¸ ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ £¸¹©¸ ˆÅú œ¸ºþß’/¹Ÿ¸¥¸¸›¸ œÏ¸œ÷¸ ˆÅ£ ¹¥¸¡¸¸ Š¸¡¸¸ ª¾/¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
„긿÷¸ ‰¸¸÷¸¸, ¹¨¸¹¨¸š¸ ù¸Ÿ¸¸‰¸¸÷¸¸, 縟¸¸©¸¸½š¸›¸ 縟¸¸¡¸¸½ù¸›¸, ñ¸ÿˆÅ 縟¸¸š¸¸›¸ ¹¨¸¨¸£μ¸ ‚¸¾£ ¹¨¸¹ð¸››¸ ‚¿÷¸£©¸¸‰¸¸/ˆÅ¸¡¸¸Ä¥¸¡¸ ‰¸¸÷¸¸½¿ Ÿ¸½¿ ñ¸ˆÅ¸¡¸¸ œÏ¹¨¸þß’¡¸¸½¿ ˆÅ¸ 縟¸¸¡¸¸½ù¸›¸ ¹›¸£¿÷¸£
‚¸š¸¸£ œ¸£ ù¸¸£ú ª¾.
„縈Åú (i) ‡¨¸¿ (ii) ˆÅú ¥¸¿¹ñ¸÷¸ ‚¿¹÷¸Ÿ¸ Ÿ¸¿ù¸Þ£ú ˆÅ¸ ‰¸¸÷¸¸½¿ œ¸£ 縟¸ŠÏ œÏ𸸨¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½÷¸¸ ª¾, ÷¸¸½ ¨¸ª œÏñ¸¿š¸›¸ ˆÅú £¸¡¸ Ÿ¸½¿ Ÿ¸ª÷¨¸œ¸Þμ¸Ä ›¸ªì ª¸½Š¸¸.
39. 𸸣÷¸ú¡¸ ¥¸½‰¸¸ Ÿ¸¸›¸ˆÅ¸½¿ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ª½÷¸º £¸½èŸ¸¾œ¸ (‚¸ƒÄ‡›¸èú- ‡‡ç¸)
𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ (‚¸£ñ¸ú‚¸ƒÄ) ›¸½ ‚œ¸›¸½ œ¸¹£œ¸°¸ DBR.BP.BC.No-76/21.07.001/2015-16 ¹™›¸¸¿ˆÅ 11 ûÅ£¨¸£ú, 2016 ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ 𸸣÷¸ú¡¸ ¥¸½‰¸¸
Ÿ¸¸›¸ˆÅ¸½¿ (‚¸ƒÄ‡›¸èú- ‡‡ç¸) ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ª½÷¸º £¸½èŸ¸¾œ¸ ¹›¸š¸¸Ä¹£÷¸ ¹ˆÅ¡¸¸ ÷¸˜¸¸ ñ¸ÿˆÅ¸½¿ ˆÅ¸½ ƒç¸ 縿ñ¸¿š¸ Ÿ¸½¿ ªº‡ œÏŠ¸¹÷¸ 縹ª÷¸ ‚œ¸›¸ú ‚¸ƒÄ‡›¸èú-‡‡ç¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆÅú
£μ¸›¸ú¹÷¸ ˆÅ¸ œÏˆÅ’›¸ ˆÅ£›¸¸ ˜¸¸. ÷¸™›¸ºç¸¸£ ñ¸ÿˆÅ ׸£¸ ‚¸ƒÄ‡›¸èú-‡‡ç¸ ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ª½÷¸º ‡ˆÅ 縥¸¸ªˆÅ¸£ ˆÅú ¹›¸¡¸º¹Æ÷¸ ˆÅú Š¸ƒÄ ª¾. ñ¸ÿˆÅ ׸£¸ ƒç¸ 縿ñ¸¿š¸ Ÿ¸½¿ ªºƒÄ œÏŠ¸¹÷¸

166 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 ˆÅ¸ ¹›¸£ú®¸μ¸ ˆÅ£›¸½ ª½÷¸º 縿길¥¸›¸ 縹Ÿ¸¹÷¸ ˆÅ¸ ð¸ú Š¸¶›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ ÷¸˜¸¸ ¹›¸™½©¸ˆÅ Ÿ¸μ襸 ˆÅú ¥¸½‰¸¸ œ¸£ú®¸¸ 縹Ÿ¸¹÷¸ ˆÅ¸½ 縟¸¡¸-縟¸¡¸ œ¸£ ƒç¸ç¸½ ‚¨¸Š¸÷¸ ˆÅ£¸¡¸¸ ù¸¸÷¸¸
ª¾. ƒç¸ˆ½Å ‚¹÷¸¹£Æ÷¸, DO.DBR.BP.No.2535/21.07.001/2017-18 ¹™›¸¸¿ˆÅ 13 ¹ç¸÷¸¿ñ¸£ 2017 ˆ½Å ‚›¸ºç¸¸£, ñ¸ÿˆÅ ›¸½ ‚¸£ñ¸ú‚¸ƒÄ ˆÅ¸½ 31 ‚Æ÷¸Þñ¸£ 2017 ˆÅ¸½ 30
ù¸Þ›¸ 2017 ˆÅú 縟¸¸œ÷¸ ¹÷¸Ÿ¸¸ªú ˆ½Å ¹¥¸‡ ‚¸ƒÄ‡›¸èú-‡‡ç¸ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ œÏ¸½ûŸÁŸ¸¸Ä œÏç÷¸º÷¸ ¹ˆÅ¡¸¸ ª¾. ÷¸˜¸¸¹œ¸, ¹¨¸ˆÅ¸ç¸ ‡¨¸¿ ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ ›¸ú¹÷¸¡¸¸½¿ ¹™›¸¸¿ˆÅ 5 ‚œÏ¾¥¸ 2018
œ¸£ ‚¸£ñ¸ú‚¸ƒÄ ¹¨¸¨¸£μ¸ ˆ½Å ‚¸š¸¸£ œ¸£, ‚¸£ñ¸ú‚¸ƒÄ ›¸½ ñ¸ÿˆÅ¸½¿ ˆÅú ‚¸ƒÄ‡›¸èú-‡‡ç¸ œÏ¡¸¸½ù¡¸÷¸¸ ˆÅ¸½ ‡ˆÅ ‚¸¾£ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ £¸½ˆÅ ¹™¡¸¸ ª¾.
40. ˆÅ¸Áœ¸¸½Ä£½’ ˆÅ£ ¹›¸š¸¸Ä£μ¸:
¹¨¸Ô¸Ÿ¸¸›¸ ‚¸¾£ ¥¸¿¹ñ¸÷¸ ™¸½›¸¸½¿ ªú ˆÅ£¸½¿ ˆ½Å ¹¥¸‡ ˆÅ£ œÏ¸¨¸š¸¸›¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. ¥¸¸Š¸Þ ˆÅ£ ™£¸½¿ ‡¨¸¿ ˆÅ£ ¹›¸¡¸Ÿ¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅ£ ¡¸¸½Š¡¸ ‚¸¡¸ œ¸£ ¹¨¸Ô¸Ÿ¸¸›¸ ˆÅ£ œÏ™¸›¸
¹ˆÅ¡¸¸ ù¸¸÷¸¸ ª¾. 縟¸¡¸¸›÷¸£ ˆ½Å ˆÅ¸£μ¸ „÷œ¸››¸ ¥¸¿¹ñ¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸½¿ ‡¨¸¿ ¥¸¿¹ñ¸÷¸ ˆÅ£ ™½¡¸÷¸¸‡¿, ù¸¸½ ‚¸›¸½ ¨¸¸¥¸½ ‚¨¸¹š¸ Ÿ¸½¿ œ¸¹£¨¸÷¸Ä›¸ú¡¸ ª¸½÷¸½ ªÿ, „›¸ˆÅú œ¸ªê¸¸›¸ ¥¸¸Š¸Þ ¹ˆÅ‡
Š¸‡ ¡¸¸ ÷¸º¥¸›¸ œ¸°¸ ˆÅú ¹÷¸¹˜¸ ÷¸ˆÅ œ¸¡¸¸Äœ÷¸ ³œ¸ 總 ‚¹š¸¹›¸¡¸¹Ÿ¸÷¸ ˆÅ£ ™£¸½¿ ‡¨¸¿ ˆÅ£ ¹›¸¡¸Ÿ¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ˆÅú ù¸¸÷¸ú ª¾.
¥¸¿¹ñ¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸½¿ ˆÅú œ¸ªê¸¸›¸ ÷¸ð¸ú ™ú ù¸¸÷¸ú ª¾, ù¸ñ¸ 𸹨¸ß¡¸ Ÿ¸½¿ ‡½ç¸½ ‚¸þç÷¸¡¸¸½¿ ˆÅú ¨¸ç¸Þ¥¸ú ¥¸Š¸ð¸Š¸ ¹›¸¹ä¸÷¸ ª¸½. ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ªºƒÄ œÏŠ¸¹÷¸ ˆ½Å ‚¸š¸¸£ œ¸£ œÏ÷¡¸½ˆÅ ÷¸º¥¸›¸
œ¸°¸ ˆÅú ¹÷¸¹˜¸ ˆÅ¸½ ¥¸¿¹ñ¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸½¿/™½¡¸÷¸¸‚¸½¿ ˆÅú 縟¸ú®¸¸ ˆÅú ù¸¸÷¸ú ª¾.
41. 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ ù¸¸½¹‰¸Ÿ¸ ‚¸š¸¸¹£÷¸ œ¸¡¸Ä¨¸½®¸μ¸ (‚¸£ñ¸ú‡ç¸) œÏ¹ÇÅ¡¸¸ ˆ½Å ÷¸ª÷¸ ‚¸£ñ¸ú‚¸ƒÄ ›¸½ ñ¸ÿˆÅ ˆÅú ˆºÅø ‰¸¸÷¸¸½¿ Ÿ¸½¿ ‚¸þç÷¸ ¨¸Š¸úÄˆÅ£μ¸ ‡¨¸¿
œÏ¸¨¸š¸¸›¸úˆÅ£μ¸ 總 縿ñ¸¿¹š¸÷¸ ‚¿÷¸£ ˆÅ¸½ ¹ê¸þ›ª÷¸ ¹ˆÅ¡¸¸ ª¾. ‚¸£ñ¸ú‚¸ƒÄ œ¸¹£œ¸°¸ DBR.BP.BC.No.63/21.04.018/2016-17 ¹™›¸¸¿ˆÅ 18 ‚œÏ¾¥¸ 2017 ÷¸˜¸¸ 18 ù¸º¥¸¸ƒÄ
2017 ˆÅ¸½ ù¸¸£ú 總ñ¸ú œ¸¹£œ¸°¸ ˆÅú œ¸ºþß’ ˆÅ£÷¸½ ªº‡ ¹›¸Ÿ›¸ ÷¸¸¹¥¸ˆÅ¸ Ÿ¸½¿ ‚¸þç÷¸ ¨¸Š¸úÄˆÅ£μ¸ ‡¨¸¿ œÏ¸¨¸š¸¸›¸úˆÅ£μ¸ Ÿ¸½¿ „›¸ˆ½Å ‚¿÷¸£ ˆÅ¸ „¥¥¸½‰¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
(` ˆÅ£¸½èõ Ÿ¸½¿)
ÇÅ ¹¨¸¨¸£μ¸
1 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ ñ¸ÿˆÅ ׸£¸ ¹£œ¸¸½’Ä ¹ˆÅ¡¸¸ Š¸¡¸¸ 縈ť¸ ‡›¸œ¸ú‡ 33,712
2 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 𸸹£ñ¸ÿ ׸£¸ ‚¸¿ˆÅ¸ Š¸¡¸¸ 縈ť¸ ‡›¸œ¸ú‡ 36,562
3 縈ť¸ ‡›¸œ¸ú‡ Ÿ¸½¿ ‚¿÷¸£ (2-1) 2,850
4 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ ñ¸ÿˆÅ ׸£¸ ¹£œ¸¸½’Ä ¹ˆÅ¡¸¸ Š¸¡¸¸ ©¸ºÖ ‡›¸œ¸ú‡ 18,832
5 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 𸸹£ñ¸ÿ ׸£¸ ‚¸¿ˆÅ¸ Š¸¡¸¸ ©¸ºÖ ‡›¸œ¸ú‡ 20,667
6 ©¸ºÖ ‡›¸œ¸ú‡ Ÿ¸½¿ ‚¿÷¸£ (5-4) 1,835
7 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ ñ¸ÿˆÅ ׸£¸ ¹£œ¸¸½’Ä ¹ˆÅ¡¸¸ Š¸¡¸¸ ‡›¸œ¸ú‡ ª½÷¸º œÏ¸¨¸š¸¸›¸ 14,379
8 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 𸸹£ñ¸ÿ ׸£¸ ‚¸¿ˆÅ¸ Š¸¡¸¸ ‡›¸œ¸ú‡ ª½÷¸º œÏ¸¨¸š¸¸›¸ 15,393
9 œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‚¿÷¸£ (8-7) 1,014
10 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ª½÷¸º ¹£œ¸¸½’Ä ¹ˆÅ¡¸¸ Š¸¡¸¸ ˆÅ£ œ¸ä¸¸÷¸ (œ¸ú‡’ú) ©¸ºÖ ¥¸¸ð¸ 555
11 œÏ¸¨¸š¸¸›¸ Ÿ¸½¿ ‰¸¸÷¸½ Ÿ¸½¿ ‚¿÷¸£ ˆ½Å œ¸ä¸¸÷¸ 31 Ÿ¸¸ê¸Ä 2017 ˆÅ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ª½÷¸º 縟¸¸¡¸¸½¹ù¸÷¸ (ˆÅþ¥œ¸÷¸) ¹ˆÅ¡¸¸ Š¸¡¸¸ ˆÅ£ œ¸ä¸¸÷¸ (œ¸ú‡’ú) ©¸ºÖ ¥¸¸ð¸ (372)
ñ¸ÿˆÅ ›¸½ 31 Ÿ¸¸ê¸Ä 2017 縟¸¸œ÷¸ ¹÷¸Ÿ¸¸ªú ª½÷¸º ‚œ¸›¸½ ˆÅ¸¡¸Ä길¥¸›¸ œ¸¹£μ¸¸Ÿ¸ Ÿ¸½¿ „œ¸Ä¡¸ºÆ÷¸ ˆ½Å œÏ𸸨¸ ˆÅ¸½ ¹¨¸¹š¸¨¸÷¸ ¹£ˆÅ¸ÁèÄ ¹ˆÅ¡¸¸ ª¾.
42. ¹›¸¨¸½©¸ :
I. "œ¸¹£œ¸Æ¨¸÷¸÷¸¸ ÷¸ˆÅ š¸¸¹£÷¸" ý½μ¸ú ˆÅú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ 總 ªºƒÄ ¹ñ¸ÇÅú 總 ‚¹ù¸Ä÷¸ ¥¸¸ð¸ `242.86 ˆÅ£¸½èõ (¹œ¸ø¥¸½ ¨¸ß¸Ä `493.51 ˆÅ£¸½èõ) ˆÅ¸½ œÏ¸£Ÿð¸ Ÿ¸½¿ ¥¸¸ð¸ ‚¸¾£ ª¸¹›¸
‰¸¸÷¸½ Ÿ¸½¿ ¥¸½ ¹¥¸¡¸¸ Š¸¡¸¸.
II. "œ¸¹£œ¸Æ¨¸÷¸÷¸¸ ÷¸ˆÅ š¸¸¹£÷¸" ý½μ¸ú ˆ½Å 縿™ð¸Ä Ÿ¸½¿, ù¸¾ç¸¸¹ˆÅ Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¹÷¸ ÇÅŸ¸¸¿ˆÅ 4 (ii)(‡)Ÿ¸½¿ ˆÅª¸ Š¸¡¸¸ ª¾, ¹¨¸î¸ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ ˆ½Å ‚¿¹ˆÅ÷¸
Ÿ¸Þ¥¡¸ 總 ‚¹š¸ŠÏªμ¸ ¥¸¸Š¸÷¸ ˆÅú ‚¸¹š¸Æ¡¸ £¸¹©¸ `245.46 ˆÅ£¸½èõ(¹œ¸ø¥¸½ ¨¸ß¸Ä `188.50 ˆÅ£¸½èõ) ˆÅ¸½ œ¸¹£©¸¸½¹š¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
III. ©¸½¡¸£¸½¿, œ¸¹£¨¸÷¸Ä›¸ú¡¸ ¹èñ¸½¿ê¸£¸½¿ ¨¸ ƒþƨ¸’ú 른Æè Ÿ¡¸Þ긺‚¥¸ û¿Åè ˆÅú ƒˆÅ¸ƒ¡¸¸½¿/„Ô¸Ÿ¸ œ¸Þ¿ù¸ú ˆÅ¸½ß¸ Ÿ¸½¿ ¹ˆÅ¡¸¸ Š¸¡¸¸ ˆºÅ¥¸ ¹›¸¨¸½©¸ ¨¸ ©¸½¡¸£¸½¿ ˆ½Å 縸œ¸½®¸ ˆºÅ¥¸ ‚¹ŠÏŸ¸
`1778.72 ˆÅ£¸½èõ ª¾ (¹œ¸ø¥¸½ ¨¸ß¸Ä `1,701.49 ˆÅ£¸½èõ £ª¸).

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43. 길¥¸Þ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸, ˆÅ¸½ƒÄ Ÿ¸™ ‚¨¸¹š¸ 總 œ¸ª¥¸½ ˆÅú ›¸ªì ª¾ ‡¨¸¿ ¥¸½‰¸¸ ›¸ú¹÷¸ (‡‡ç¸-5 ˆ½Å ‚›¸ºç¸¸£) Ÿ¸½¿ ˆÅ¸½ƒÄ œ¸¹£¨¸÷¸Ä›¸ ›¸ªì ¹ˆ½Å¡¸¸ Š¸¡¸¸ ª¾ ‡¨¸¿ œ¸¹£ê¸¸¥¸›¸¸½¿ ˆÅ¸½ ñ¸¿™ ›¸ªì
¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ (‡‡ç¸-24 ˆ½Å ‚›¸ºç¸¸£).
44. ù¸ª¸¿-ˆÅªì ‚¸¨¸©¡¸ˆÅ ª¾, ¹œ¸ø¥¸½ ¨¸ß¸Ä ˆ½Å ‚¸¿ˆÅèõ¸½¿ ˆÅ¸½ œ¸º›¸ç¸ÄŸ¸Þ¹ª÷¸/œ¸º›¸¨¡¸Ä¨¸þ瘸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
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(縙硸.縿. 044576) (縙硸.縿. 101998) (縙硸.縿. 048215)

瘸¸›¸ : Ÿ¸º¿ñ¸ƒÄ
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168 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ˆÅ¸ ›¸ˆÅ™ú œÏ¨¸¸ª ¹¨¸¨¸£μ¸
(` ¥¸¸‰¸ Ÿ¸½¿)
ÇÅ.縿. ¹¨¸¨¸£μ¸ 31.03.2018 ˆÅ¸½ 31.03.2017 ˆÅ¸½
縟¸¸œ÷¸ ¨¸ß¸Ä 縟¸¸œ÷¸ ¨¸ß¸Ä
‡ œ¸¹£ê¸¸¥¸›¸ ˆÅ¸¡¸¸½ô 總 ›¸ˆÅ™ú œÏ¨¸¸ª:
ˆÅ£ 總 œ¸ª¥¸½ ¹›¸¨¸¥¸ ¥¸¸ð¸ (66,41,13) 3,42,60
¹›¸Ÿ›¸ ˆ½Å ¹¥¸‡ 縟¸¸¡¸¸½ù¸›¸ :
‚긥¸ 縿œ¸¹î¸¡¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 3,62,71 2,36,04
¹›¸¨¸½©¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 19,27,25 6,32,43
Š¸¾£ ¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ (¹›¸¨¸¥¸) 1,34,99,84 60,31,90
Ÿ¸¸›¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ (12,51,87) 4,43,26
ç’¸ûŠ縿ñ¸¿š¸ú ¨¡¸¡¸¸½¿ ª½÷¸º œÏ¸¨¸š¸¸›¸ 2,16,36 37,46
‚›¡¸ œÏ¸¨¸š¸¸›¸ 5,49 (20,11)
‚긥¸ ‚þç÷¸¡¸¸½¿ ˆÅú ¹ñ¸ÇÅú/¹›¸œ¸’¸›¸ 總 (¥¸¸ð¸)/ª¸¹›¸ 8,47 (25,83)
„š¸¸£ú œ¸£ ñ¡¸¸ù¸ : œ¸Þ¿ù¸úŠ¸÷¸ 縸š¸›¸ 11,66,38 8,83,24
„œ¸ ¡¸¸½Š¸ 92,93,50 85,60,99
¹›¸Ÿ›¸ ˆ½Å ¹¥¸‡ 縟¸¸¡¸¸½ù¸›¸:
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¹›¸¨¸½©¸ Ÿ¸½¿ (¨¸¼¹Ö)/ˆÅŸ¸ú (1,35,32,39) (2,32,34,16)
‚¹ŠÏŸ¸¸½¿ Ÿ¸½¿ (¨¸¼¹Ö)/ˆÅŸ¸ú (1,55,58,28) (2,52,10,50)
‚›¡¸ ‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ (¨¸¼¹Ö)/ˆÅŸ¸ú (23,20,06) (5,75,92)
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‚긥¸ 縿œ¸¹î¸¡¸¸½¿ ˆÅú ‰¸£ú™ (3,23,92) (2,16,27)
‚긥¸ ‚¸þç÷¸¡¸¸½¿ ˆÅú ¹ñ¸ÇÅú ˆ½Å ‚¸Š¸Ÿ¸ 4,99 32,27
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ç¸ú ¹¨¸î¸œ¸¸½ß¸μ¸ ˆÅ¸¡¸¸½ô 總 ›¸ˆÅ™ú œÏ¨¸¸ª :
ƒþƨ¸’ú ©¸½¡¸£ ‚¸¨¸½™›¸ 總 œÏ¸œ÷¸ £¸¹©¸ 0 5,41,00
ƒþƨ¸’ú ©¸½¡¸£ ˆ¾Å¹œ¸’¥¸ ˆÅ¸½ ù¸¸£ú ˆÅ£›¸½ 總 œÏ¸œ÷¸ ‚¸Š¸Ÿ¸ 4,81,13 0
œÏ¸œ÷¸ œÏ¹÷¸ð¸Þ¹÷¸ œÏú¹Ÿ¸¡¸Ÿ¸ (©¸½¡¸£ ¹›¸Š¸ÄŸ¸ ¨¡¸¡¸ ˆÅ¸ ¹›¸¨¸¥¸) 65,66,06 0
œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸¸½¿ ˆ½Å ¹›¸Š¸ÄŸ¸›¸ 總 œÏ¸œ÷¸ ‚¸Š¸Ÿ¸ £¸¹©¸ 3,00,00 47,50,00
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œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸¸½¿ ˆ½Å ‚¥¸¸¨¸¸ „š¸¸£ ˆ½Å ‚¸Š¸Ÿ¸ (œ¸¹£©¸¸½š¸›¸ ˆ½Å ñ¸¸™ ¹›¸¨¸¥¸) 41,54,90 62,68,52
„š¸¸£ú œ¸£ œÏ™î¸ ñ¡¸¸ù¸ : œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸ (7,10,15) (7,74,74)
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¹¨¸î¸œ¸¸½ß¸μ¸ ˆÅ¸¡¸¸½ô 總 ¹›¸¨¸¥¸ ›¸ˆÅ™ú œÏ¨¸¸ª (ç¸ú) 1,07,91,94 98,73,44

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›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ Ÿ¸½¿ ¹›¸¨¸¥¸ ¨¸¼¹Ö/(ˆÅŸ¸ú) (‡)+(ñ¸ú)+(ç¸ú) 1,66,18,70 35,46,28
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ 3,28,22,50 2,92,76,22
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›¸ˆÅ™ú ‚¸¾£ 𸸹£ñ¸ÿ ˆ½Å œ¸¸ç¸ ù¸Ÿ¸¸ ©¸½ß¸ (¹¨¸™½©¸ú Ÿ¸ºÍ¸ 縹ª÷¸) 1,65,20,45 1,56,04,72
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Year Ended
(Audited) (Audited)
31.03.2018 31.03.2017
(a) Segment Revenue
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Less Inter-segment Revenue (211.48) 98.33
Total Revenue 37,737.86 37,624.58
(b) Segment Results
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(c) Income Tax (1393.76) (212.62)
(d) 1HW3URÀW (5247.37) 555.21
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 Segment Liabilities
(f) Treasury Operations 1,67,650.29 1,42,297.16
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Notes:
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12 RELATED PARTY DISCLOSURES (AS-18)
12.1 List of Related Parties
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Name Designation Joining/Cessation during the year

2017-18
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Particulars 31.03.2018 31.03.2017

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Total 1.04 0.73

13 EARNING PER SHARE (AS-20)

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No.
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14 PROVISION FOR TAXES:
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Sr. Particulars 31.03.2018 31.03.2017

No.
Deferred Tax Assets
1 $PRUWL]DWLRQRI3UHPLXPRQ,QYHVWPHQWV 1LO 
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3 'HSUHFLDWLRQRQ)L[HG$VVHWV  1LO
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Total 6890.37 3270.18
Deferred Tax Liabilities
1 'HSUHFLDWLRQRQ)L[HG$VVHWV 1LO 
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3 6SHFLDO5HVHUYHVXVLYLLL  
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Total 2697.50 1646.38
Net Deferred Tax Asset 4192.87 1623.80
Net Deferred Tax Liability Nil Nil

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15 INVESTMENT IN JOINT VENTURES (AS – 27)

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17 CONTIGENT LIABILITIES (AS – 29)
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18 DRAW DOWN FROM RESERVES:
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19 DISCLOSURE OF COMPLAINTS:
A Customer Complaints

Sr. Particulars 31.03.2018 31.03.2017

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Sr. Particulars 31.03.2018 31.03.2017 22 DISCLOSURE OF – BANCASSURANCE BUSINESS:
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23 CONCENTRATION OF DEPOSITS, ADVANCES,
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Annual Report 2017-2018 

24 SECTOR-WISE ADVANCES
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Sr. Sector Current Year (FY 2017-18) Previous Year (FY 2016-17)
No. Outstanding Outstanding Percentage Outstanding Gross NPAs Percentage
Total Total of Gross Total of Gross
Advances Advances NPAs to Total Advances NPAs to Total
Advances in Advances in
that sector that sector
A Priority Sector
1 $JULFXOWXUHDQGDOOLHGDFWLYLWLHV      
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Sub-total (A) 12,144.56 12,926.59 10.41 1,02,863 8,271 8.04
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1 $JULFXOWXUHDQGDOOLHGDFWLYLWLHV      
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3 6HUYLFHV      
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Sub-total (B) 1,89,963.53 36,443.35 19.18 1,98,820 25,441 12.80
Total (A+B) 3,14,108.08 49,369.93 15.72 3,01,683 33,712 11.17
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26 STOCK OF TECHNICAL WRITE-OFFS 32 TRANSFERS TO DEPOSITOR EDUCATION AND
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28 There is no Off – Balance Sheet SPVs sponsored by the
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LCR Disclosure for Quarter ended March 2018 (Consolidated)- Audited

Total Unweighted Total Weighted
Value (Average) Value (Average)
HIGH QUALITY LIQUID ASSETS
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Total Adjusted Value
21 TOTAL HQLA 71,486.12
22 TOTAL NET CASH OUTFLOWS 69,906.05
 /,48,',7<&29(5$*(5$7,2 102.26%
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LCR Disclosure for FY 2017-18 - Audited

Total Unweighted Total Weighted
Value (Average) Value (Average)
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1 7RWDO+LJK4XDOLW\/LTXLG$VVHWV+4/$  
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8 TOTAL CASH OUTFLOWS 4,23,764.03 82,957.20
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36 FIXED ASSETS
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 CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH, 2018
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S. No. Particulars Year ended Year ended
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Net Increase (Decrease) in Cash & Cash Equivalent ( A )+( B )+( C ) 1,66,18,70 35,46,28
Cash and Cash Equivalents as at the beginning of the year 3,28,22,50 2,92,76,22
Cash and Cash Equivalents as at the end of the year 4,94,41,20 3,28,22,50

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¨¡¸¡¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ñ¡¸¸ù¸ 15 2,34,70,90,02 2,37,76,30,56
œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸ 16 73,50,82,64 70,21,29,16
œÏ¸¨¸š¸¸›¸¸½¿ ‚¸¾£ ‚¸ˆÅþ矸ˆÅ ¨¡¸¡¸ 1,28,12,56,65 68,82,61,81
ˆºÅ¥¸ 4,36,34,29,31 3,76,80,21,53
III. 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ Ÿ¸½¿ ‚¥œ¸Ÿ¸÷¸ ¹ª÷¸ ‚¸¾£ ‚ù¸Ä›¸ ˆ½Å ‚¿©¸ 總 œ¸ª¥¸½ 縟¸½¹ˆÅ÷¸ ¹›¸¨¸¥¸ ¥¸¸ð¸ / (¹›¸¨¸¥¸ ª¸¹›¸) (52,20,64,07) 5,66,74,95
ù¸¸½èõ½¿: 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ Ÿ¸½¿ ¥¸¸ð¸ ˆÅ¸ ‚¿©¸ 8,17,25 5,89,49
œ¸Þ¨¸Ä ¨¸ß¸Ä ˆÅ¸ 縟¸½¹ˆÅ÷¸ ¹›¸¨¸¥¸ ¥¸¸ð¸ / (¹›¸¨¸¥¸ ª¸¹›¸) (52,12,46,82) 5,72,64,44
‚¥œ¸Ÿ¸÷¸ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅ¸ ¹ªç縸 ‹¸’¸›¸½ 總
(‹¸’¸‡¿): ‚¥œ¸Ÿ¸÷¸ ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅ¸ ¹ªç縸 - -
¨¸Š¸Ä ¹¨¸©¸½ß¸ ª½÷¸º 縟¸Þª ˆ½Å ¹¥¸‡ ¨¸ß¸Ä ˆÅ¸ 縟¸½¹ˆÅ÷¸ ¹›¸¨¸¥¸ ¥¸¸ð¸ / (¹›¸¨¸¥¸ ª¸¹›¸) (52,12,46,82) 5,72,64,44
ù¸¸½¿èõ½¿: ‚¸Š¸½ ¥¸¸¡¸¸ Š¸¡¸¸ ¥¸¸ð¸ - 36
¹¨¸¹›¸¡¸¸½ù¸›¸ ˆ½Å ¹¥¸‡ „œ¸¥¸ñš¸ £¸¹©¸ (52,12,46,82) 5,72,64,80
IV. ¹¨¸¹›¸¡¸¸½ù¸›¸
縸¿¹¨¸¹š¸ˆÅ ‚¸£¹®¸÷¸ Ÿ¸½¿ ‚¿÷¸£μ¸ - 1,38,75,00
œ¸Þ¿ù¸ú ‚¸£¹®¸÷¸ Ÿ¸½¿ ‚¿÷¸£μ¸ 1,11,16,77 2,31,46,67
£¸ù¸ç¨¸ ‚¸¾£ ‚›¡¸ ‚¸£¹®¸÷¸/ 縟¸¸¡¸¸½ù¸›¸ ¹›¸¹š¸¡¸¸½¿ Ÿ¸½¿ ‚¿÷¸£μ¸ - 17,42,77
¹¨¸©¸½ß¸ ‚¸£¹®¸÷¸ Ÿ¸½¿ ‚¿÷¸£μ¸ [‚¸¡¸ˆÅ£ ‚¹š¸¹›¸¡¸Ÿ¸ 1961, ˆÅú š¸¸£¸ 36(I)(viii)] - 18,50,000
¥¸¸ð¸ ‚¸¾£ ª¸¹›¸ ¥¸½‰¸½ Ÿ¸½¿ ©¸½ß¸ (53,23,63,59) 36
ˆºÅ¥¸ (52,12,46,82) 57,26,480
œÏ¹÷¸ ©¸½¡¸£ ‚¸¡¸ (ñ¸½¹ç¸ˆÅ ‡¨¸¿ 踃¥¡¸Þ’½è ². Ÿ¸½¿ ) (‚¿¹ˆÅ÷¸ Ÿ¸Þ¥¡¸ `10) 18 (68.98) 8.33
œÏŸ¸º‰¸ ¥¸½‰¸¸ ›¸ú¹÷¸¡¸¸¿ 17
‰¸¸÷¸¸½¿ 總 縿ñ¸¿¹š¸÷¸ ›¸¸½’ 18
„Æ÷¸ ‚›¸ºç¸Þ¹ê¸¡¸¸¿ 縟¸½¹ˆÅ÷¸ ¥¸¸ð¸ ‡¨¸¿ ª¸¹›¸ ¥¸½‰¸¸½¿ ˆÅ¸ ‚¹ð¸››¸ ‚¿Š¸ ªÿ .
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(‚÷¸º¥¸ ˆºÅŸ¸¸£ Š¸¸½¡¸¥¸) (£¸ù¸ ˆÅŸ¸¥¸ ¨¸Ÿ¸¸Ä) (¹¨¸›¸¸½™ ˆÅ˜¸Þ¹£¡¸¸)
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(£¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú.) (ˆ½Å¨¸¥¸ ª¸¿è¸)
œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½ ‚š¡¸®¸
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(è¸Á. ˆ½Å £Ÿ¸½©¸) (è¸Á. Ÿ¸™º£¸ 稸¸Ÿ¸ú›¸¸˜¸›¸) (è¸Á. ‚¸£. ‡ê¸. 鸽§¹ˆÅ¡¸¸)
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(ù¸ú. ˆ½Å. ¥¸¸¶) (è¸Á. „¸ ˆºÅŸ¸¸£ 縣ˆÅ¸£)
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ªŸ¸¸£ú „Æ÷¸ ¹÷¸¹˜¸ ˆÅú 縿¥¸Š›¸ ¹£œ¸¸½’Ä ˆ½Å ‚›¸ºç¸¸£.
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縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£
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(ˆÅŸ¸¥¸ ‚ŠÏ¨¸¸¥¸¸) (œ¸ú. œ¸ú. œ¸¸£úˆÅ ) (Ÿ¸›¸ú߸ 縿œ¸÷¸)
𸸊¸ú™¸£ 𸸊¸ú™¸£ 𸸊¸ú™¸£
(縙硸.縿. 059649) (縙硸.縿. 071213) (縙硸.縿. 101684)
ˆÅ¼÷¸½ ˆÅú÷¸Ä›¸½ ‡¿è œ¸¿¹è÷¸ ‡¥¸‡¥¸œ¸ú ˆÅ¼÷¸½ ‚¸£. ‡ç¸. œ¸’½¥¸ ‡¿è ˆ¿Å. ˆÅ¼÷¸½ ‡Ÿ¸. ù¸ú. ñ¸ú. ‡¿è ˆ¿Å. ‡¥¸‡¥¸œ¸ú
縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£ 縛¸™ú ¥¸½‰¸¸ˆÅ¸£
ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 105215W ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 107758W ûÅŸ¸Ä œ¸¿ù¸úˆÅ£μ¸ 縿‰¡¸¸ 101169W
(縿™úœ¸ èú. ¨¸½ë¥¥¸Š¸) (£¸ù¸›¸ ñ¸ú ©¸¸ª) (縿ù¸¡¸ ˆÅ¸½¶¸£ú)
𸸊¸ú™¸£ 𸸊¸ú™¸£ 𸸊¸ú™¸£
(縙硸.縿. 044576) (縙硸.縿. 101998) (縙硸.縿. 048215)
瘸¸›¸ : Ÿ¸º¿ñ¸ƒÄ
¹™›¸¸¿ˆÅ : 10 Ÿ¸ƒÄ, 2018
¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 217
 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å 縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 1 - œ¸Þ¿ù¸ú :
I. œÏ¸¹š¸ˆÅ¼÷¸:
`10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 30,00,00,00,00 ƒþƨ¸’ú ©¸½¡¸£ 30,00,00,00 30,00,00,00
II. ¹›¸Š¸Ä¹Ÿ¸÷¸, ‚¹ð¸™î¸ ‡¨¸¿ œÏ™î¸ :
i. `10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 7,87,91,46,00 ƒþƨ¸’ú ©¸½¡¸£, ˆ½¿ÅÍ ç¸£ˆÅ¸£
׸£¸ š¸¸¹£÷¸ (¹œ¸ø¥¸½ ¨¸ß¸Ä 4,36,10,65,97 ƒþƨ¸’ú ©¸½¡¸£) 7,87,91,46 4,36,10,66
ii. `10 œÏ¹÷¸ ©¸½¡¸£ ˆÅú ™£ 總 3,80,65,88,00 ƒþƨ¸’ú ©¸½¡¸£, ù¸›¸÷¸¸
׸£¸ š¸¸¹£÷¸ (¹œ¸ø¥¸½ ¨¸ß¸Ä 2,51,33,45,20 ƒþƨ¸’ú ©¸½¡¸£) 3,80,65,88 2,51,33,45
ˆºÅ¥¸ 11,68,57,34 6,87,44,11

‚›¸ºç¸Þê¸ú 2 - ‚¸£¹®¸÷¸ ¹›¸¹š¸¡¸¸¿ ‡¨¸¿ ‚¹š¸©¸½ß¸ :

I. ‚¸£¹®¸÷¸ 縸¿¹¨¸¹š¸ˆÅ :
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 66,70,61,10 65,31,86,10
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö - 66,70,61,10 1,38,75,00 66,70,61,10

II. ‚¸£¹®¸÷¸ œ¸Þ¿ù¸ú:

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 10,79,56,50 8,48,09,83
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 1,11,16,77 11,90,73,27 2,31,46,67 10,79,56,50

III. œ¸º›¸Ÿ¸ÞÄ¥¡¸¸¿ˆÅ›¸ ‚¸£¹®¸÷¸ :

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 24,56,79,77 25,81,23,72
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö - -
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 1,14,92,02 23,41,87,75 1,24,43,95 24,56,79,77

IV. ©¸½¡¸£ œÏú¹Ÿ¸¡¸Ÿ¸ :

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 45,07,59,91 45,07,59,91
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 65,83,86,77 -
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 17,80,96 1,10,73,65,72 - 45,07,59,91

V. £¸ù¸ç¨¸ ‚¸£¹®¸÷¸ :
i) £¸ù¸ç¨¸ ‡¨¸¿ ‚›¡¸ ‚¸£¹®¸÷¸ :
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 51,65,15,64 50,24,05,23
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 3,44,10,71 1,42,60,82
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 3,62,91,97 1,72,57
ˆºÅ¥¸ 51,46,34,38 51,64,93,48
‹¸’¸¡¸¸ : ‚¥œ¸Ÿ¸÷¸ ¹ªç總™¸£ú - (22,16)
ˆºÅ¥¸ 51,46,34,38 51,65,15,64
ii) ‚¸¡¸ˆÅ£ ‚¹š¸¹›¸¡¸Ÿ¸ 1961, ˆÅú š¸¸£¸ 36(1)(viii)
ˆ½Å ‚›¸ºç¸¸£ ¹¨¸©¸½ß¸ ‚¸£¹®¸÷¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 28,75,00,00 26,90,00,00
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö - 1,85,00,00
ˆºÅ¥¸ 28,75,00,00 28,75,00,00
iii) ¹¨¸™½©¸ú Ÿ¸ºÍ¸
œ¸¹£¨¸÷¸Ä›¸ ‚¸£¹®¸÷¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ 1,10,49,67 1,24,53,04
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 44,59,70 -
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 11,54,45 14,03,37
ˆºÅ¥¸ 1,43,54,92 81,64,89,30 1,10,49,67 81,50,65,31
VI. ¥¸¸ð¸-ª¸¹›¸ ‰¸¸÷¸½ Ÿ¸½¿ ©¸½ß¸ (53,58,53,63) -
ˆºÅ¥¸ 2,40,83,23,51 2,28,65,22,59

218 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å 縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿
(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 2 ‡ - ‚¥œ¸Ÿ¸÷¸ ¹ªç總™¸£ú :
œÏ¸£¿¹ð¸ˆÅ ©¸½ß¸ - -
ù¸¸½èõ½/(‹¸’¸‡½¿):- ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö/(ˆÅŸ¸ú) - -
ˆºÅ¥¸ ‚¥œ¸Ÿ¸÷¸ ¹ªç總™¸£ú - -

‚›¸ºç¸Þê¸ú 3 - ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ :
I. Ÿ¸¸¿Š¸ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿
i) ñ¸ÿˆÅ¸½¿ 總 4,72,80,37 4,99,66,05
ii) ‚›¡¸ 總 2,46,09,16,79 2,50,81,97,16 2,33,27,35,50 2,38,27,01,55

II. ñ¸ê¸÷¸ ñ¸ÿˆÅ ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 11,42,00,95,04 10,40,87,57,67

III. ¹Ÿ¸¡¸¸™ú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿

i) ñ¸ÿˆÅ¸½¿ 總 65,64,72,87 77,54,58,43
ii) ‚›¡¸ 總 26,44,40,78,06 27,10,05,50,93 24,15,25,52,23 24,92,80,10,66
ˆºÅ¥¸ 41,02,88,43,13 37,71,94,69,88

𸸣÷¸ þ瘸÷¸ ©¸¸‰¸¸‚¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 40,31,70,44,72 36,89,25,69,00

𸸣÷¸ ˆ½Å ñ¸¸ª£ þ瘸÷¸ ©¸¸‰¸¸‚¸½¿ ˆÅú ù¸Ÿ¸¸£¸¹©¸¡¸¸¿ 71,17,98,41 82,69,00,88
ˆºÅ¥¸ 41,02,88,43,13 37,71,94,69,88

‚›¸ºç¸Þê¸ú 4 - „š¸¸£ :
‡. „š¸¸£ : œ¸Þ¿ù¸ú ¹¥¸‰¸÷¸
I. 瘸¸¡¸ú ñ¸¸Áμè 45,39,62,35 42,39,62,35
II. ‚œ¸£ ¹’¡¸£ II ñ¸¸Áμè 15,00,00,00 15,00,00,00
III. ¹’¡¸£ II ñ¸¸Áμè 67,50,00,00 1,27,89,62,35 67,50,00,00 1,24,89,62,35

ñ¸ú. 𸸣÷¸ Ÿ¸½¿ „š¸¸£

i. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ 總 65,86,00,00 -
ii. ‚›¡¸ ñ¸ÿˆÅ¸½¿ 總 - -
iii. ‚›¡¸ 縿瘸¸‚¸½¿ ‡¨¸¿ ‡ù¸½¿¹ç¸¡¸¸½¿ 總 11,96,37,90 77,82,37,90 17,51,18,59 17,51,18,59

ç¸ú. 𸸣÷¸ 總 ñ¸¸ª£ „š¸¸£ 2,51,08,38,91 2,69,84,68,71

ˆºÅ¥¸ 4,56,80,39,16 4,12,25,49,65
„œ¸¡¸ºÄÆ÷¸ (ñ¸ú) I ‡¨¸¿ (ñ¸ú) III Ÿ¸½¿ ç¸þŸŸ¸¹¥¸÷¸ œÏ¹÷¸ð¸Þ÷¸ „š¸¸£ 65,86,00,00 6,41,11,76

‚›¸ºç¸Þê¸ú 5 - ‚›¡¸ ™½¡¸÷¸¸‡¿ ‡¨¸¿ œÏ¸¨¸š¸¸›¸ :

I. ™½¡¸ ¹ñ¸¥¸ 12,68,88,35 14,95,55,69
II. „œ¸¹ê¸÷¸ ñ¡¸¸ù¸ 35,08,16,31 16,59,84,30
III. ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ™½¡¸÷¸¸‡¿ - -
IV. ‚›¡¸ (œÏ¸¨¸š¸¸›¸ 縹ª÷¸) 51,48,72,67 1,00,11,95,41
ˆºÅ¥¸ 99,25,77,33 1,31,67,35,40

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 219

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å 縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿

(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 6 - ›¸ˆÅ™ú ‡¨¸¿ 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä ñ¸ÿˆÅ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸
I. š¸¸¹£÷¸ ›¸ˆÅ™ú 12,91,22,28 10,32,72,21
(ƒç¸Ÿ¸½¿ ¹¨¸™½©¸ú ˆÅ£½¿ç¸ú ›¸¸½’ ‡¨¸¿ 稸μ¸Ä 縹ª÷¸)
II. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ ˆ½Å 길¥¸Þ ‰¸¸÷¸½ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸ 1,97,26,12,53 1,54,89,65,10
ˆºÅ¥¸ 2,10,17,34,81 1,65,22,37,31

‚›¸ºç¸Þê¸ú 7 - ñ¸ÿˆ ¸½¿ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸ ‚¸¾£ Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸
I) 𸸣÷¸ Ÿ¸½¿
i) ñ¸ÿˆÅ¸½¿ Ÿ¸½¿ ù¸Ÿ¸¸ ©¸½ß¸
ˆÅ) 길¥¸Þ ‰¸¸÷¸¸½¿ Ÿ¸½¿ 69,34,80 44,49,30
‰¸) ‚›¡¸ ù¸Ÿ¸¸ ‰¸¸÷¸¸½¿ Ÿ¸½¿ 71,41,43,81 56,33,93,29
ii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸
ˆÅ) ñ¸ÿˆÅ¸½¿ 總 1,19,28,91,33 -
‰¸) ‚›¡¸ 縿瘸¸‚¸½¿ 總 - -
1,91,39,69,94 56,78,42,59
II. 𸸣÷¸ ˆ½Å ñ¸¸ª£
i) 길¥¸Þ ‰¸¸÷¸¸½¿ Ÿ¸½¿ 4,37,96,90 1,37,80,29
ii) ‚›¡¸ ù¸Ÿ¸¸ ‰¸¸÷¸¸½ Ÿ¸½¿ 87,68,99,77 1,03,87,78,72
iii) Ÿ¸¸¿Š¸ ‡¨¸¿ ‚¥œ¸ ç¸Þ긛¸¸ œ¸£ œÏ¸œ¡¸ š¸›¸ 1,16,34,33 1,79,53,45
93,23,31,00 1,07,05,12,46

ˆºÅ¥¸ 2,84,63,00,94 1,63,83,55,05

‚›¸ºç¸Þê¸ú 8 - ¹›¸¨¸½©¸ :
I. 𸸣÷¸ Ÿ¸½¿ ¹›¸¨¸½©¸
i) 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ Ÿ¸½¿ 9,81,23,77,63 8,81,53,47,68
ii) ‚›¡¸ ‚›¸ºŸ¸¸½¹™÷¸ œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ Ÿ¸½¿ 84,72,17 1,75,85,34
iii) ©¸½¡¸£¸½¿ Ÿ¸½¿ 22,22,99,08 23,72,12,08
iv) ¹èñ¸½¿ê¸£¸½¿ ‡¨¸¿ ñ¸¸Áμ踽¿ Ÿ¸½¿ 2,02,51,57,25 1,75,06,12,74
v) 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸¸½¿ Ÿ¸½¿ 2,02,30,50 2,34,87,29
vi) ‚›¡¸ (¨¸¸¹μ¸þù¡¸ˆÅ œ¸°¸, Ÿ¡¸ºê¸º‚¥¸ û¿Åè, ¨¸½¿ê¸£ ˆ¾Å¹œ¸’¥¸, œÏ¹÷¸ð¸Þ¹÷¸ £ç¸ú™ ‚¸¹™ Ÿ¸½¿) 25,12,57,93 34,52,40,05
ˆºÅ¥¸ 12,33,97,94,56 11,18,94,85,18
II. 𸸣÷¸ 總 ñ¸¸ª£ ¹›¸¨¸½©¸
i) 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½¿ Ÿ¸½¿ (瘸¸›¸ú¡¸ œÏ¸¹š¸ˆÅ¸¹£¡¸¸½¿ 縹ª÷¸) 16,25,39,36 10,98,78,73
ii) ©¸½¡¸£¸½¿ Ÿ¸½¿ 40,32 40,32
iii) ‚›¡¸ ¹›¸¨¸½©¸¸½¿ Ÿ¸½¿ (ñ¸¸Áμ踽¿) 4,86,96,44 4,47,22,18
iv) 縪¸¡¸ˆÅ ˆ¿Åœ¸¹›¸¡¸¸½¿ ‡¨¸¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸¸½¿ Ÿ¸½¿ - -
ˆºÅ¥¸ 21,12,76,12 15,46,41,23

ˆºÅ¥¸ 12,55,10,70,68 11,34,41,26,41

III. 𸸣÷¸ Ÿ¸½¿ ¹›¸¨¸½©¸
縈ť¸ Ÿ¸Þ¥¡¸ 12,61,41,78,59 11,30,77,32,23
‹¸’¸‡¿ : Ÿ¸Þ¥¡¸ã¸ç¸ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 27,43,84,03 11,82,47,05
𸸣÷¸ Ÿ¸½¿ ¹›¸¨¸½©¸ ˆÅ¸ ¹›¸¨¸¥¸ Ÿ¸Þ¥¡¸ 12,33,97,94,56 11,18,94,85,18
IV. 𸸣÷¸ ˆ½Å ñ¸¸ª£ ¹›¸¨¸½©¸
縈ť¸ Ÿ¸Þ¥¡¸ 21,13,25,50 15,48,29,42
‹¸’¸‡¿ : Ÿ¸Þ¥¡¸ã¸ç¸ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 49,38 1,88,19
𸸣÷¸ ˆ½Å ñ¸¸ª£ ¹›¸¨¸½©¸ ˆÅ¸ ¹›¸¨¸¥¸ Ÿ¸Þ¥¡¸ 21,12,76,12 15,46,41,23

ˆºÅ¥¸ 12,55,10,70,68 11,34,41,26,41

220 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å 縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿

(`. 000 Ÿ¸½¿)

¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
‚›¸ºç¸Þê¸ú 9 - ‚¹ŠÏŸ¸ (¹›¸¨¸¥¸)
I i) ‰¸£ú™½ ‚¸¾£ 𸺛¸¸‡ Š¸‡ ¹ñ¸¥¸ 88,93,93,48 1,18,24,74,43
ii) ˆ¾Å©¸ ǽŹè’, ‚¸½¨¸£èï¸É’ ‚¸¾£ Ÿ¸¸¿Š¸ œ¸£ œÏ¹÷¸™½¡¸ †μ¸ 13,23,56,88,18 13,32,37,22,20
iii) Ÿ¸ú¡¸¸™ú †μ¸ 14,93,20,69,24 14,28,87,86,22
ˆºÅ¥¸ 29,05,71,50,90 28,79,49,82,85
II i) Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸½¿ ׸£¸ œÏ¹÷¸ð¸Þ÷¸
(ñ¸ªú †μ¸ ˆ½Å œ¸½’½ ‚¹ŠÏŸ¸ 縹ª÷¸) 25,83,84,12,93 25,11,00,37,42
ii) ñ¸ÿˆÅ / 縣ˆÅ¸£ú œÏ¹÷¸ð¸Þ¹÷¸¡¸¸½ ׸£¸ 縿£¹®¸÷¸ 1,01,54,67,51 1,11,23,87,13
iii) ‚œÏ¹÷¸ð¸Þ÷¸ 2,20,32,70,46 2,57,25,58,30
ˆºÅ¥¸ 29,05,71,50,90 28,79,49,82,85
ˆÅ. 𸸣÷¸ Ÿ¸½¿ ‚¹ŠÏŸ¸
i) œÏ¸˜¸¹Ÿ¸ˆÅ÷¸¸ œÏ¸œ÷¸ ®¸½°¸ 11,05,56,83,14 10,42,19,00,27
ii) 縸¨¸Äù¸¹›¸ˆÅ ®¸½°¸ 2,50,78,14,78 1,67,62,97,70
iii) ñ¸ÿˆÅ (4,08,00,28) 23,27,69,23
iv) ‚›¡¸ 12,92,09,56,45 13,42,22,55,51
ˆºÅ¥¸ 2,64,43,65,409 25,75,32,22,71
‰¸. 𸸣÷¸ ˆ½Å ñ¸¸ª£ ‚¹ŠÏŸ¸
i) ñ¸ÿˆÅ¸½¿ 總 œÏ¸œ¡¸ 72,82,29,73 84,82,32,88
ii) ‚›¡¸ 總 œÏ¸œ¡¸
ˆÅ) ‰¸£ú™½ ‡¨¸¿ 𸺛¸¸‡ Š¸‡ ¹ñ¸¥¸ 58,62,42,36 83,29,30,75
‰¸) ë縹舽Œ½è †μ¸ 2,23,98,63 3,59,61,38
Š¸) ‚›¡¸ 1,27,66,26,09 1,32,46,35,13
ˆºÅ¥¸ 2,61,34,96,81 3,04,17,60,14

ˆºÅ¥¸ 29,05,71,50,90 28,79,49,82,85

‚›¸ºç¸Þê¸ú 10 - ‚긥¸ ‚¸þç÷¸¡¸¸¿
ˆÅ. Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸¿
I. œ¸¹£ç¸£
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸/Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ œ¸£ 38,03,91,45 37,28,11,82
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 35,52,52 79,76,93
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 27,71 3,97,30
38,39,16,26 38,03,91,45
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 9,73,95,35 28,65,20,91 8,31,63,70 29,72,27,75

II. œÏ¹ÇÅ¡¸¸Š¸÷¸ œ¸Þ¿ù¸ú ˆÅ¸¡¸Ä

¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 21,48,89 12,52,62
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 27,21,19 9,45,45
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 14,61,94 34,08,14 49,18 21,48,89

III. ð¸Þ¹Ÿ¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 76,30,34 72,68,05
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö - 3,62,29
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 6,77,21 -
69,53,13 76,30,34
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 5,44,15 64,08,98 4,66,14 71,64,20

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 221

 31 Ÿ¸¸ê¸Ä, 2018 ˆ½Å 縟¸½¹ˆÅ÷¸ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å 𸸊¸ ˆ½Å ²œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿

(` 000 Ÿ¸½¿)
¡¸˜¸¸ 31.03.2018 ¡¸˜¸¸ 31.03.2017
IV. ‚›¡¸ ‚긥¸ ‚¸þç÷¸¡¸¸¿
(ûÅ›¸úÄê¸ç¸Ä ‡¨¸¿ ¹ûÅÆç¸ê¸ç¸Ä 縹ª÷¸)
ˆÅ) œ¸Ø½ œ¸£ ™ú Š¸¡¸ú ‚¸þç÷¸¡¸¸¿
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 26,53,52 26,53,52
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö - -
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú - -
26,53,52 26,53,52
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ 26,53,52 - 26,53,52 -

‰¸) ‚›¡¸
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸/Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ œ¸£ 24,21,15,34 22,65,95,40
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 2,53,53,41 2,03,71,93
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 58,31,39 48,51,99
26,16,37,36 24,21,15,34
‹¸’¸‡¿ : ‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ ‚¨¸Ÿ¸Þ¥¡¸›¸ (¹›¸¨¸¥¸) 17,66,51,19 8,49,86,17 16,07,10,99 8,14,04,35

‰¸. ‚Ÿ¸Þ÷¸Ä ‚¸þç÷¸¡¸¸¿

ˆ¿Åœ¡¸Þ’£ 縸ÁÉ’¨¸½¡¸£
¹œ¸ø¥¸½ ÷¸º¥¸›¸ œ¸°¸ ˆ½Å ‚›¸ºç¸¸£ ¥¸¸Š¸÷¸ œ¸£ 2,33,32,78 2,14,33,34
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¨¸¼¹Ö 29,59,41 24,21,52
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ˆÅŸ¸ú 10,88,05 5,22,08
2,52,04,14 2,33,32,78
‚¸ù¸ ˆÅú ÷¸¸£ú‰¸ ÷¸ˆÅ œ¸¹£©¸¸½¹š¸÷¸ (¹›¸¨¸¥¸) 2,19,23,38 32,80,76 2,07,37,11 25,95,67
ˆºÅ¥¸ 38,46,04,96 39,05,40,86

‚›¸ºç¸Þê¸ú 11 - ‚›¡¸ ‚¸þç÷¸¡¸¸¿ :

I. ‚¿÷¸£ˆÅ¸¡¸¸Ä¥¸¡¸ú›¸ 縟¸¸¡¸¸½ù¸›¸ (¹›¸¨¸¥¸) 2,17,67,38 14,86,17,49
II. „œ¸¹ê¸÷¸ ñ¡¸¸ù¸ 35,71,48,58 24,06,28,82
III. ¥¸½‰¸›¸ 縸Ÿ¸ŠÏú ‡¨¸¿ ç’¾Ÿœ¸ 3,89,64 3,15,27
IV. ™¸¨¸¸½¿ ˆ½Å 縟¸¸š¸¸›¸ 總 ‚¹ù¸Ä÷¸ Š¸¾£-ñ¸ÿˆÅˆÅ¸£ú ‚¸þç÷¸¡¸¸¿ 3,90 3,90
V. ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ‚¸þç÷¸¡¸¸¿ 41,98,14,27 22,97,27,30
VI. ‚›¡¸ 1,37,34,05,00 1,12,73,36,95
VII. 縟¸½ˆÅ›¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ‰¡¸¸¹÷¸ 12,49,42 12,49,42
ˆºÅ¥¸ 2,17,37,78,18 1,74,78,79,15

‚›¸ºç¸Þê¸ú 12 - ‚¸ˆÅ¹çŸ¸ˆÅ ™½¡¸÷¸¸‡¿ :

I. ñ¸ÿˆÅ ˆ½Å ¹¨¸²Ö ™¸¨¸½, ¹ù¸›ª½¿ †μ¸ ˆ½Å ²œ¸ Ÿ¸½¿ 稸úˆÅ¸£ ›¸ªì ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ 34,42,29,27 35,36,66,60
II. ‚¿©¸÷¸: œÏ™î¸ ¹›¸¨¸½©¸¸½¿ ˆ½Å ¹¥¸‡ ™½¡¸÷¸¸‡¿ 59,20 59,20
III. ñ¸ˆÅ¸¡¸¸ ¨¸¸¡¸™¸ ¹¨¸¹›¸Ÿ¸¡¸ 縿¹¨¸™¸‚¸½¿ ˆ½Å ˆÅ¸£μ¸ ™½¡¸÷¸¸‡¿ 18,38,54,87,97 18,06,06,42,94
IV. 縿‹¸’ˆÅ¸½¿ ˆÅú ‚¸½£ 總 ™ú Š¸¡¸ú Š¸¸£¿’ú
i) 𸸣÷¸ Ÿ¸½¿ 1,97,44,97,13 1,45,66,77,78
ii) 𸸣÷¸ 總 ñ¸¸ª£ 3,56,16,08 5,51,85,07
V. 稸úˆÅ¼¹÷¸¡¸¸¿, œ¸¼ß¶¸¿ˆÅ›¸ ‡¨¸¿ ‚›¡¸ ñ¸¸š¡¸÷¸¸‡¿ 3,03,30,98,80 3,00,45,74,29
VI. ‚¸ˆÅþ矸ˆÅ ™½¡¸÷¸¸‚¸½¿ ˆÅú ‚›¡¸ Ÿ¸™½¿ 87,14,25 65,77,21
i) ‚œ¸ú¥¸ ˆ½Å ‚š¸ú›¸ ¹¨¸¨¸¸™¸çœ¸™ ˆÅ£ Ÿ¸¸¿Š¸ 30,37,32,96 24,30,38,21
ii) èú ƒÄ ‡ ‡ûÅ ¡¸¸½ù¸›¸¸ - 2014 Ÿ¸½¿ ‚¿÷¸¹£÷¸ £¸¹©¸ 9,73,77,00 82,22,20
ˆºÅ¥¸ 24,18,28,12,66 23,18,86,43,50

222 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 31 Ÿ¸¸ê¸Ä, 2018 ˆ ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ª½÷¸º 縟¸½¹ˆÅ÷¸ ¥¸¸ð¸ ‡¿¨¸ ª¸¹›¸ ‰¸¸¿÷¸¸½ ˆ½Å 𸸊¸ ˆ½Å ³œ¸ Ÿ¸½¿ ‚›¸ºç¸Þ¹ê¸¡¸¸¿

(` 000 Ÿ¸½¿)
縟¸¸œ÷¸ ¨¸ß¸Ä 31.03.2018 縟¸¸œ÷¸ ¨¸ß¸Ä 31.03.2017
‚›¸ºç¸Þê¸ú 13 - ‚¹ù¸Ä÷¸ ñ¡¸¸ù¸ :
I. ‚¹ŠÏŸ¸¸½¿/¹ñ¸¥¸¸½¿ œ¸£ ñ¡¸¸ù¸/ñ¸Ø¸ 2,28,56,97,61 2,30,04,84,20
II. ¹›¸¨¸½©¸¸½¿ 總 ‚¸¡¸ 88,98,35,39 87,88,93,08
III. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ ˆ½Å ù¸Ÿ¸¸©¸½ß¸¸½¿ ‚¸¾£ ‚›¡¸ ‚¿÷¸£ ñ¸ÿˆÅ ¹›¸¹š¸¡¸¸½¿ œ¸£ œÏ¸œ÷¸ ñ¡¸¸ù¸ 11,40,55,44 8,81,96,06
IV. ‚›¡¸ 55,68,52 1,41,24,55
ˆºÅ¥¸ 3,29,51,56,96 3,28,16,97,89

‚›¸ºç¸Þê¸ú 14 - ‚›¡¸ ‚¸¡¸ :

I. ˆÅŸ¸ú©¸›¸, ¹¨¸¹›¸Ÿ¸¡¸ ‚¸¾£ ™¥¸¸¥¸ú 5,04,29,07 4,49,91,22
II. ¹›¸¨¸½©¸¸½¿ ˆÅú ¹ñ¸ÇÅú 總 ¥¸¸ð¸ - (¹›¸¨¸¥¸) 12,96,61,38 21,48,73,62
III. ð¸Þ¹Ÿ¸, 𸨸›¸¸½¿ ‚¸¾£ ‚›¡¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¨¸ÇÅ¡¸ 總 ¥¸¸ð¸/(ª¸¹›¸) - (¹›¸¨¸¥¸) (8,47,38) 25,83,22
IV. ¹¨¸¹›¸Ÿ¸¡¸ 縿¨¡¸¨¸ª¸£¸½¿ 總 ¥¸¸ð¸ - (¹›¸¨¸¥¸) 8,92,52,90 9,52,33,80
V. ¹¨¸¹¨¸š¸ ‚¸¡¸ 27,77,12,31 18,53,16,73
ˆºÅ¥¸ 54,62,08,28 54,29,98,59

‚›¸ºç¸Þê¸ú 15 - ¨¡¸¡¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ñ¡¸¸ù¸ :

I. ù¸Ÿ¸¸£¸¹©¸¡¸¸½¿ œ¸£ ñ¡¸¸ù¸ 2,15,78,06,81 2,20,05,24,69
II. 𸸣÷¸ú¡¸ ¹£Î¸¨¸Ä ñ¸ÿˆÅ/‚¿÷¸£ ñ¸ÿˆÅ „š¸¸£ú œ¸£ ñ¡¸¸ù¸ 8,68,43,93 4,94,03,82
III. ‚›¡¸ 10,24,39,28 12,77,02,05
ˆºÅ¥¸ 2,34,70,90,02 2,37,76,30,56

‚›¸ºç¸Þê¸ú 16 - œ¸¹£ê¸¸¥¸›¸ ¨¡¸¡¸ :

I. ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅ¸½ ¹ˆÅ‡ Š¸‡ 𸺊¸÷¸¸›¸ ‡¨¸¿ „›¸ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 33,32,17,10 35,09,39,85
II. ¹ˆÅ£¸¡¸¸, ˆÅ£ ‚¸¾£ ¹ñ¸ù¸¥¸ú 5,74,68,66 5,23,40,84
III. ëœÏë’Š¸ ‚¸¾£ ç’½©¸›¸£ú 57,22,80 58,77,68
IV. ¹¨¸±¸¸œ¸›¸ ‡¨¸¿ œÏ길£ 63,79,97 74,08,67
V. ñ¸ÿˆÅ ˆÅú 縿œ¸¹î¸ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 3,68,23,23 2,40,82,34
VI. ¹›¸™½©¸ˆÅ¸½¿ ˆÅú ûÅúç¸, ð¸î¸½ ‡¨¸¿ ¨¡¸¡¸ 3,74,01 3,50,21
VII. œÏñ¸¿š¸/ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ¸½¿ ˆÅ¸½ œ¸¸¹£ý¹Ÿ¸ˆÅ 1,04,63 72,39
VIII. ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ ˆÅú ûÅúç¸ ‚¸¾£ ¨¡¸¡¸ (©¸¸‰¸¸ ¥¸½‰¸¸œ¸£ú®¸ˆÅ¸½¿ 縹ª÷¸) 55,11,36 41,67,36
IX. ¹¨¸¹š¸ œÏ𸸣 41,99,24 26,23,82
X. 踈Š‰¸ê¸Ä, ÷¸¸£ ‡¨¸¿ ’½¥¸úûŸ½›¸ ‚¸¹™ 95,42,36 80,68,19
XI. Ÿ¸£ŸŸ¸÷¸ ‡¨¸¿ £‰¸£‰¸¸¨¸ 1,22,81,81 1,18,05,67
XII. ñ¸úŸ¸¸ 3,80,68,24 3,65,62,47
XIII. ‚›¡¸ ¨¡¸¡¸ 22,53,89,23 19,78,29,67
ˆºÅ¥¸ 73,50,82,64 70,21,29,16

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 223

 ¨¸ß¸Ä 2017-18 ˆ½Å ¹¥¸‡ ¥¸½‰¸¸½¿ ˆÅú ‚›¸ºç¸Þ¹ê¸¡¸¸¿ (縟¸½¹ˆÅ÷¸)
‚›¸ºç¸Þê¸ú 17-Ÿ¸ª÷¨¸œ¸Þμ¸Ä ¥¸½‰¸¸¿ˆÅ›¸ ›¸ú¹÷¸¡¸¸¿ :
1 ¥¸½‰¸¸¿ˆÅ›¸ œ¸Ö¹÷¸
¡¸½ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸, ù¸ª¸¿ ÷¸ˆÅ ¥¸¸Š¸Þ ª¸½,¿ 𸸣÷¸ Ÿ¸½¿ ¥¸½‰¸¸ñ¸¿™ú ª½÷¸º 縸Ÿ¸¸›¡¸÷¸:
稸úˆÅ¼÷¸ ¹ç¸Ö¸¿÷¸¸½¿ (ù¸ú‡‡œ¸ú), ¹ù¸ç¸Ÿ¸½¿ ¥¸¸Š¸Þ 縸¿¹¨¸¹š¸ˆÅ œÏ¸¨¸š¸¸›¸, 𸸣÷¸ú¡¸ ¹£ùö¸¨¸Ä
ñ¸ÿˆÅ (𸸹£ñ¸ÿ), ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸¡¸Ÿ¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸, 1949 ׸£¸ ¹›¸š¸¸Ä¹£÷¸ ¹›¸¡¸¸Ÿ¸ˆÅ
Ÿ¸¸›¸™¿è/¹™©¸¸¹›¸™½©Ä ¸, ƒ¿ç’ú’á¸Þ’ ‚¸ÁûŠ길’ÄèÄ ‡ˆÅ¸„¿’’¿½ çà ¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸
(‚¸ƒÄç¸ú‡‚¸ƒÄ) ׸£¸ ù¸¸£ú Ÿ¸¸›¸ˆÅ ¥¸½‰¸¸¿ˆÅ›¸ ÷¸˜¸¸ 𸸣÷¸ú¡¸ ñ¸ÿëˆÅŠ¸ „Ô¸¸½Š¸ Ÿ¸½¿
œÏ긹¥¸÷¸ ¨¡¸¨¸ª¸£¸½¿ ˆÅ¸ œ¸¸¥¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾, ˆ½Å ç¸ð¸ú Ÿ¸ª÷¨¸œ¸Þμ¸Ä œ¸ª¥¸º‚¸½¿ ˆ½Å
‚›¸º³œ¸, œÏ긹¥¸÷¸ ¥¸½‰¸¸ñ¸¿™ú ˆ½Å „œ¸ê¸¡¸ ‚¸š¸¸£ œ¸£ ‡½¹÷¸ª¸¹ç¸ˆÅ ¥¸¸Š¸÷¸ £ú¹÷¸ ˆ½Å
‚›÷¸Š¸Ä÷¸ ÷¸¾¡¸¸£ ¹ˆÅ‡ Š¸‡ ªÿ. ¹¨¸™½©¸ þ瘸÷¸ ˆÅ¸¡¸¸Ä¥¸¡¸¸½¿ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ 縿ñ¸¿¹š¸÷¸ ™½©¸¸½¿
Ÿ¸½¿ œÏ긹¥¸÷¸ œ¸Ö¹î¸ ˆ½Å 縿¨¸¾š¸¸¹›¸ˆÅ œÏ¸¨¸š¸¸›¸¸½¿ ˆÅ¸ œ¸¸¥¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾.
2 ‚›¸ºŸ¸¸›¸¸½¿ ˆÅ¸ „œ¸¡¸¸½Š¸
ù¸ú‡‡œ¸ú ˆ½Å ‚›¸º³œ¸ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ ˆÅú ÷¸¾¡¸¸£ú Ÿ¸½¿ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸ ˆÅú ÷¸¸£ú‰¸
ˆÅ¸½, ¹£œ¸¸½’Ä ˆÅú Š¸ƒÄ ‚¸þç÷¸¡¸¸½¿ ¨¸ ™½¡¸÷¸¸‚¸½¿ (‚¸ˆÅþ矸ˆÅ ™½¡¸÷¸¸‚¸½¿ 縹ª÷¸) ‚¸¾£
¹£œ¸¸½ë’ÄŠ¸ ˆÅú ÷¸¸£ú‰¸ ˆÅ¸½ ¹£œ¸¸½’Ä ¹ˆÅ¡¸½ Š¸¡¸½ ‚¸¡¸ ‚¸¾£ ¨¡¸¡¸ ˆ½Å ñ¸¸£½ Ÿ¸½¿ œÏñ¸¿š¸›¸ ˆÅ¸½
ˆÅ¹÷¸œ¸¡¸ ‚›¸ºŸ¸¸›¸¸½¿ ‚¸¾£ ‚¸ˆÅ¥¸›¸¸½¿ ˆÅú Ÿ¸™™ ¥¸½›¸ú œ¸èõ÷¸ú ª¾. œÏñ¸¿š¸›¸ ˆÅ¸½
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100% 稸¸¹Ÿ¸÷¨¸ œÏ¸œ÷¸ ªº‚¸.
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2 縟¸½¹ˆÅ÷¸ ¹¨¸î¸ú¡¸ ¹¨¸¨¸£μ¸¸½¿ Ÿ¸½¿ 縿¡¸ºÆ÷¸ „œ¸ÇÅŸ¸¸½¿ ˆ½Å ¹¨¸¨¸£μ¸ ¹›¸Ÿ›¸¸›¸ºç¸¸£ ªÿ: ¹›¸Ÿ›¸¸›¸ºç¸¸£ ª¾:
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¥¸¸ƒûÅ ƒ¿©¡¸¸½£½¿ç¸ ˆ¿Åœ¸›¸ú 𸸣÷¸ 25.10% ÷¸ˆÅ ñ¸¸ç¸¥¸ III ˆ½Å ˆÅ¸¡¸¸Ä›¨¸¡¸›¸ ˆ½Å ¹¥¸‡ ‡ˆÅ 縿ÇÅŸ¸μ¸ ‚›¸ºç¸Þê¸ú ¹™©¸¸¹›¸™½Ä©¸
¹¥¸. (Š¸¾£ ñ¸ÿëˆÅŠ¸) Ÿ¸½¿ ™ú Š¸ƒÄ ª¾. ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å ‚›¸ºç¸¸£, ’ú¡¸£ I œ¸Þ¿ù¸ú ˆÅ¸ÁŸ¸›¸ ƒþƨ¸’ú ¹’¡¸£ I
(ç¸úƒÄ’ú I) ‚¸¾£ ‚¹÷¸¹£Æ÷¸ ¹’¡¸£ I 總 ñ¸›¸ú ª¾.
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‡ç¸¸½¹ç¸‡’Ãç¸ ˆ½Å ›¸¸Ÿ¸ 稸¸¹Ÿ¸÷¨¸ ˆÅ¸ ù¸¸½¹‰¸Ÿ¸ 𸸹£÷¸ œ¸¹£ç¸¿œ¸¹î¸ ‚›¸ºœ¸¸÷¸ (ç¸ú‚¸£‡‚¸£) 10.875% ÷¸ˆÅ, ¹ù¸ç¸Ÿ¸½¿
¹›¸Š¸Ÿ¸›¸ ˆÅ¸ ™½©¸
‚›¸ºœ¸¸÷¸ ›¡¸Þ›¸÷¸Ÿ¸ ç¸úƒÄ’ú-I 7.375% (1.875% ˆ½Å œ¸Þ¿ù¸ú 縿£®¸μ¸ ñ¸ûÅ£ 縹ª÷¸) ‚¸¾£
®¸½°¸ú¡¸ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ ˆÅ¸©¸ú 𸸣÷¸ 35% ›¡¸Þ›¸÷¸Ÿ¸ ’ú¡¸£ I ç¸ú‚¸£‡‚¸£ 8.875% ÷¸ˆÅ ñ¸›¸¸‡ £‰¸›¸¸ ‚¸¨¸©¡¸ˆÅ ª¾.
Š¸¸½Ÿ¸÷¸ú 縿¡¸º÷¸ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ 縿£ê¸›¸¸ ˆ½Å ‚›¸ºç¸¸£ œ¸Þ¿ù¸ú œ¸¡¸¸Äœ÷¸÷¸¸ ˆÅú Š¸μ¸›¸¸ ›¸ú긽 ™ú Š¸ƒÄ ª¾ :

ÇÅ.縿. ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017

i) 縸Ÿ¸¸›¡¸ ƒþƨ¸’ú ’ú¡¸£-1 œ¸Þ¿ù¸ú ‚›¸ºœ¸¸÷¸(ç¸úƒÄ’ú1) (%) ñ¸¸ç¸¥¸ III 7.66 7.76
ii) ’ú¡¸£ I œ¸Þ¿ù¸ú ‚›¸ºœ¸¸÷¸ (%) ñ¸¸ç¸¥¸ III 9.14 9.07
iii) ’ú¡¸£ II œ¸Þ¿ù¸ú ‚›¸ºœ¸¸÷¸ (%) ñ¸¸ç¸¥¸ III 2.43 2.77
iv) ˆºÅ¥¸ œ¸Þ¿ù¸ú ‚›¸ºœ¸¸÷¸ (ç¸ú‚¸£‡‚¸£) (%) ñ¸¸ç¸¥¸ III 11.56 11.84

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 229

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v) 𸸣÷¸ 縣ˆÅ¸£ ˆÅú ©¸½¡¸£š¸¸¹£÷¸¸ ˆÅ¸ œÏ¹÷¸©¸÷¸ (%) 67.43 63.44
vi) „Š¸¸ªú Š¸ƒÄ ƒþƨ¸’ú œ¸Þ¿ù¸ú ˆÅú £¸¹©¸ : (`. ˆÅ£¸½èõ Ÿ¸½¿) 7,065 ©¸Þ›¡¸
vii) „Š¸¸ªú Š¸ƒÄ ‚¹÷¸¹£Æ÷¸ ’ú¡¸£-1 œ¸Þ¿ù¸ú ˆÅú £¸¹©¸ : (`. ˆÅ£¸½èõ Ÿ¸½¿) 500 3,500
„Š¸¸ªú Š¸ƒÄ ’ú¡¸£-|| œ¸Þ¿ù¸ú ˆÅú £¸¹©¸: (`. ˆÅ£¸½èõ Ÿ¸½¿) ©¸Þ›¡¸ 1,750
viii)
ƒç¸Ÿ¸½¿ 總 è½ñ’ ˆ¾Å¹œ¸’¥¸ ƒ¿ç’ï󟸽¿’ : (`. ˆÅ£¸½èõ Ÿ¸½¿) ©¸Þ›¡¸ 1,750

7.2 œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‡¿

(` ˆÅ£¸½èõ Ÿ¸½¿)
¥¸¸ð¸ ‡¨¸¿ ª¸¹›¸ ©¸úß¸Ä ˆ½Å ‚¿÷¸Š¸Ä÷¸ ™©¸¸Ä‡ Š¸¡¸½ œÏ¸¨¸š¸¸›¸¸½¿ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‚¸½¿ ˆÅ¸ ñϽˆÅ‚œ¸ 31.03.2018 31.03.2017
¹›¸¨¸½©¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ã¸ç¸ ª½÷¸º œÏ¸¨¸š¸¸›¸ / (œÏ¹÷¸ œÏ¹¨¸þß’) 1559.99 630.62
‡›¸œ¸ú‡ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ 13499.84 6032.00
Ÿ¸¸›¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸¡¸½ œÏ¸¨¸š¸¸›¸ (œÏ¹÷¸ œÏ¹¨¸þß’) (720.39) 512.72
‚¸¡¸ˆÅ£ / ‚¸ç˜¸¹Š¸÷¸ ˆÅ£ ˆ½Å ¹¥¸¡¸½ œÏ¸¨¸š¸¸›¸ (1385.93) (207.99)
‚›¡¸ œÏ¸¨¸š¸¸›¸ ‡¨¸¿ ‚¸ˆÅþ矸ˆÅ÷¸¸‡¿:
- ¹©¸ëÉ’Š¸ ª¸¹›¸ 367.25 1.81
- œ¸º›¸ç¸ô£¹ê¸÷¸ ‚¹ŠÏŸ¸ (235.65) 66.02
- ‚›¡¸ (272.54) (152.56)
¡¸¸½Š¸ 12812.57 6882.62
7.3 ˆÅ¸„¿’£ 縸ƒÄþÆ¥¸ˆÅ¥¸ œÏ¸½¹¨¸ù¸ë›¸Š¸ ñ¸ûöÅ£ / É¥¸¸½ë’Š¸ œÏ¸½¹¨¸ù¸›¸
(` ˆÅ£¸½èõ Ÿ¸½¿)
ÇÅ.縿. ¹¨¸¨¸£μ¸ 31.03.2018 31.03.2017
i) œÏ¸£¿¹ð¸ˆÅ ©¸½ß¸ 293.20 293.20
ii) ¥¸½‰¸¸ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ¹ˆÅ¡¸½ Š¸¡¸½ ‚¹÷¸¹£Æ÷¸ œÏ¸¨¸š¸¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
iii) ¥¸½‰¸¸ ¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ èï¸ è¸„›¸ ˆÅú Š¸ƒÄ £¸¹©¸ ©¸Þ›¡¸ ©¸Þ›¡¸
iv) ¥¸½‰¸¸ñ¸¿™ú ©¸½ß¸ 293.20 293.20
8. ˆÅŸ¸Ä길£ú ¥¸¸ð¸ (15 ˆ½Å 縟¸¸›¸ - 縿©¸¸½¹š¸÷¸)
œ¸¹£ð¸¸¹ß¸÷¸ ¥¸¸ð¸ ¡¸¸½ù¸›¸¸‡¿ - ˆÅŸ¸Ä길£ú ˆÅú œ¸½¿©¸›¸ ¡¸¸½ù¸›¸¸ ‚¸¾£ „œ¸™¸›¸ ¡¸¸½ù¸›¸¸:
31 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ 縟¸¸œ÷¸ ¨¸ß¸Ä ˆ½Å ñ¸úŸ¸¸¿¹ˆÅˆÅ Ÿ¸Þ¥¡¸¸¿ˆÅ›¸ ¹£œ¸¸½’Ä ˆ½Å ‚›¸ºç¸¸£, 𸸣÷¸ú¡¸ 길’ÄèÄ ‡ˆÅ¸„¿’½¿’Ãç¸ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ׸£¸ ù¸¸£ú ¹ˆÅ‡ Š¸‡ ¥¸½‰¸¸¿ˆÅ›¸ Ÿ¸¸›¸ˆÅ ˆ½Å
‚›¸ºç¸¸£ ñ¸ÿˆÅ ˆÅŸ¸Ä길£ú ¥¸¸ð¸ ˆ½Å ¹¥¸‡ ¹ù¸ŸŸ¸½™¸£ ª¾.

230 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

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31.03.2018 31.03.2017
¹¨¸¨¸£μ¸
„œ¸™¸›¸ œ¸½¿©¸›¸ „œ¸™¸›¸ œ¸½¿©¸›¸
œ¸¹£ð¸¸¹ß¸÷¸ ¥¸¸ð¸ ™¸¹¡¸÷¨¸ Ÿ¸½¿ œ¸¹£¨¸÷¸Ä›¸ ¹™‰¸¸›¸½ ¨¸¸¥¸ú ÷¸¸¹¥¸ˆÅ¸:
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ™½¡¸÷¸¸ 1,114.72 1,1231.15 1,110.33 9,619.00
ñ¡¸¸ù¸ ¥¸¸Š¸÷¸ 80.26 836.72 88.72 775.29
길¥¸Þ 總¨¸¸ ¥¸¸Š¸÷¸ 53.45 120.75 47.72 134.46
¹œ¸ø¥¸ú 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸ œ¸¹£©¸¸½š¸›¸) 242.12 ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¹œ¸ø¥¸ú 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
i) ™½¡¸÷¸¸ ‚¿÷¸£μ¸ ‚¸¨¸ˆÅ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
™½¡¸÷¸¸ ‚¿÷¸£μ¸ ù¸¸¨¸ˆÅ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
œÏ™î¸ ¥¸¸ð¸ (137.65) (659.09) (148.80) (624.25)
ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ (‚ù¸Ä›¸)/ª¸¹›¸ - 34.24 311.61 30.71 533.48
¹¨¸î¸ú¡¸ š¸¸£μ¸¸ Ÿ¸½¿ ¡¸˜¸¸½¹ê¸÷¸ œ¸¹£¨¸÷¸Ä›¸
ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ (‚ù¸Ä›¸)/ª¸¹›¸ (142.26) (37.82) (13.96) 793.17
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸‡¿ 1244.88 11803.32 1,114.72 1,1231.15
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å „¹ê¸÷¸ Ÿ¸Þ¥¡¸ ˆÅú 縸£μ¸ú:
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 1,333.03 11,214.89 1,251.27 9,525.70
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ‚œ¸½¹®¸÷¸ œÏ¹÷¸¥¸¸ð¸ 95.98 835.51 99.98 767.77
‚¿©¸™¸›¸ ©¸Þ›¡¸ 745.08 88.16 1,019.42
‚›¡¸ ˆ¿Åœ¸›¸ú 總 ‚¿÷¸£μ¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ ˆ¿Åœ¸›¸ú ˆÅ¸½ ‚¿÷¸£μ¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
ii)
œÏ™î¸ ¥¸¸ð¸ (137.65) (659.09) (148.80) (624.25)
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 1,302.00 12,115.00 1,333.03 11,214.89
‚¨¸¹š¸ ˆ½Å ¹¥¸¡¸½ ñ¸¸š¡¸÷¸¸‚¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ (‚ù¸Ä›¸)/ª¸¹›¸ (108.02) 273.79 16.75 1,326.65
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
‚¹ð¸±¸¸÷¸ ¹ˆÅ¡¸¸ ù¸¸›¸½ ¨¸¸¥¸¸ ˆºÅ¥¸ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) (118.66) 295.18 (25.67) (800.40)
縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ˆÅú œ¸ªê¸¸›¸:
œÏ¸£¿¹ð¸ˆÅ 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
iii)
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ œ¸ªê¸¸›¸ú Š¸¡¸ú 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚¿÷¸ Ÿ¸½¿ 縿ÇÅŸ¸μ¸ˆÅ¸¥¸ú›¸ ™½¡¸÷¸¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ œÏ¹÷¸¥¸¸ð¸:
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ 縿𸸹¨¸÷¸ œÏ¹÷¸¥¸¸ð¸ 95.98 835.51 99.98 767.77
iv)
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/(ª¸¹›¸) 10.64 (21.39) 42.42 526.25
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ ¨¸¸ç÷¸¹¨¸ˆÅ œÏ¹÷¸¥¸¸ð¸: 106.62 814.12 142.40 1294.02
‚¸¡¸ ¹¨¸¨¸£μ¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ¨¡¸¡¸:
¨¸÷¸ÄŸ¸¸›¸ 總¨¸¸ ¥¸¸Š¸÷¸ 53.45 120.75 47.72 134.46
ñ¡¸¸ù¸ ¥¸¸Š¸÷¸ (15.72) 1.21 (11.26) 7.52
¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ 縿𸸹¨¸÷¸ œÏ¹÷¸¥¸¸ð¸
v) ¹ê¸¹›ª÷¸ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸ œ¸¹£©¸¸½š¸›¸) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¹ê¸¹›ª÷¸ œ¸Þ¨¸Ä 總¨¸¸ ¥¸¸Š¸÷¸ (¹›¸¹ª÷¸ ¥¸¸ð¸) 242.12 ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
縿ÇÅŸ¸μ¸ ™½¡¸÷¸¸ ˆÅú œ¸ªê¸¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸ ¡¸¸ ª¸¹›¸ (118.66) (295.18) (25.67) 800.40
¥¸¸ð¸ ¨¸ ª¸¹›¸ ‰¸¸÷¸½ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ¨¡¸¡¸ 161.19 417.14 10.79 942.38

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 231

 31.03.2018 31.03.2017
¹¨¸¨¸£μ¸
„œ¸™¸›¸ œ¸½¿©¸›¸ „œ¸™¸›¸ œ¸½¿©¸›¸
÷¸º¥¸›¸ œ¸°¸ 縟¸¸š¸¸›¸:
œÏ¸£¿¹ð¸ˆÅ ©¸ºÖ ™½¡¸÷¸¸ (¹œ¸ø¥¸½ ¨¸ß¸Ä ˆ½Å ÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ ©¸ºÖ £¸¹©¸) (218.31) 16.26 (140.94) 93.30

„œ¸¡¸ºÄÆ÷¸ ˆ½Å ‚›¸ºç¸¸£ ¨¡¸¡¸ 161.19 417.14 10.79 942.38

vi) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ ˆ¿Åœ¸¹›¸¡¸¸½¿ 總 ‚¿÷¸¹£÷¸ (©¸ºÖ)
‚›¡¸ ˆ¿Åœ¸¹›¸¡¸¸½¿ ˆÅ¸½ ‚¿÷¸¹£÷¸ (©¸ºÖ) ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
¹›¸¡¸¸½Æ÷¸¸ ˆÅ¸ ‚¿©¸™¸›¸ ©¸Þ›¡¸ (745.08) (88.16) (1,019.42)
÷¸º¥¸›¸-œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ £¸¹©¸ (57.12) (311.68) (218.31) 16.26
‚›¡¸ ¹¨¸¨¸£μ¸ :
œ¸½¿©¸›¸, 總¨¸¸ ˆ½Å œÏ÷¡¸½ˆÅ ¨¸ß¸Ä ˆ½Å ¹¥¸‡ ¨¸½÷¸›¸ ˆ½Å 1/66 ˆÅú ™£ 總 ™½¡¸ ª¾, ù¸¸½ ¹ˆÅ
‚¹š¸ˆÅ÷¸Ÿ¸ 50% ˆ½Å ‚š¸ú›¸ ª¾.
„œ¸™¸›¸, œÏ÷¡¸½ˆÅ ¨¸ß¸Ä ˆÅú 總¨¸¸ ˆ½Å ¹¥¸‡ 15 ¹™›¸ ˆÅú ™£ 總 ™½¡¸ ª¾, ñ¸©¸÷¸½Ä ¹ˆÅ
‚¹š¸ˆÅ÷¸Ÿ¸ £¸¹©¸ `10,00,000 ¡¸¸ ñ¸ÿˆÅ ˆÅú ¡¸¸½ù¸›¸¸ ˆ½Å ‚›¸ºç¸¸£ ª¸½.
¨¸ß¸Ä ˆ½Å ™¸¾£¸›¸ ñ¸úŸ¸¸¿¹ˆÅˆÅ ‚ù¸Ä›¸/ª¸¹›¸ ˆÅú Š¸μ¸›¸¸ ˆÅú Š¸ƒÄ ª¾.
¨¸½÷¸›¸ ¨¸¼¹Ö ˆ¿Åœ¸›¸ú ׸£¸ ñ¸÷¸¸‡ ‚›¸ºç¸¸£ 縟¸¸¡¸¸½¹ù¸÷¸ ˆÅú Š¸ƒÄ ª¾, ù¸¸½ œ¸™¸½››¸¹÷¸,
vii)
ˆÅŸ¸Ä길¹£¡¸¸½¿ ˆÅú Ÿ¸¸¿Š¸ ‡¨¸¿ œ¸Þ¹÷¸Ä ˆÅ¸½ š¡¸¸›¸ Ÿ¸½¿ £‰¸÷¸½ ªº‡ ñ¸ÿëˆÅŠ¸ „Ô¸¸½Š¸ Ÿ¸½¿ ¥¸¸Š¸Þ
œÏ˜¸¸ ˆ½Å ‚›¸ºç¸¸£ ª¾.
縙硸¸½¿ ˆÅú 縿‰¡¸¸
¨¸½÷¸›¸ œÏ¹÷¸ Ÿ¸¸ª 37,502 16,443 37,120 18,059
‚¸Š¸¸Ÿ¸ú ¨¸ß¸Ä ˆ½Å ¹¥¸¡¸½ ‚¿©¸™¸›¸ 171.21 92.65 162.08 96.58
©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ 137.01
‚¸þç÷¸¡¸¸½¿ ˆÅ¸ 縿¨¸Š¸Ä:
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ˆÅ¸Áœ¸¸½Ä£½’ ñ¸¸μè 178.50 1,342.84 251.89 1,771.02
¹¨¸©¸½ß¸ ù¸Ÿ¸¸ ¡¸¸½ù¸›¸¸ 8.01 410.00 ©¸Þ›¡¸ ©¸Þ›¡¸
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縟œ¸¹î¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸ ©¸Þ›¡¸
‚›¡¸ 111.64 1,324.49 113.85 1,246.48
ñ¸úŸ¸¸ˆÅ÷¸¸Ä œÏñ¸¿¹š¸÷¸ ¹›¸¹š¸¡¸¸¿ 734.50 8,025.68 706.04 7,486.99
¡¸¸½Š¸ 1,302.01 12,115.00 1,333.03 11,214.89
Ÿ¸º‰¡¸ ñ¸úŸ¸¸¿¹ˆÅˆÅ œ¸Þ¨¸¸Ä›¸ºŸ¸¸›¸ ˆÅ¸ „œ¸¡¸¸½Š¸ (%)
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¹œ¸ø¥¸ú ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ œ¸£ œÏ¹÷¸¥¸¸ð¸ ˆÅú ™£ 7.20 7.45 7.99 8.06
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÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ú Š¸ƒÄ £¸¹©¸ 31.03.2018 31.03.2017 31.03.2016 31.03.15 31.03.14
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸ 1,244.88 1,114.72 1,110.33 1,088.16 1,060.13
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¡¸¸½ù¸›¸¸ ‚¸þç÷¸¡¸¸½¿ ˆÅ¸ „¹ê¸÷¸ Ÿ¸Þ¥¡¸ 1,302.00 1,333.03 1,251.27 1,264.00 1,081.23
‚¿÷¸£ 57.12 218.31 140.94 175.84 21.10
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‚›¸ºð¸¨¸ 縟¸¸¡¸¸½ù¸›¸ 31.03.18 31.03.17 31.03.16 31.03.15 31.03.14
¡¸¸½ù¸›¸¸ ™½¡¸÷¸¸ œ¸£ (‚ù¸Ä›¸)/ª¸¹›¸ (142.26) (13.96) ©¸Þ›¡¸ (21.18) 123.74
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÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ ¹ê¸þ›ª÷¸ £¸¹©¸ 31.03.18 31.03.17 31.03.16 31.03.15 31.03.14
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ™½¡¸÷¸¸‡¿ 11,803.32 11,231.15 9,619.00 8,218.43 6,683.81
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‚¿÷¸£ 311.68 (16.26) (93.30) (357.43) (579.08)
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÷¸º¥¸›¸ œ¸°¸ Ÿ¸½¿ œ¸ªê¸¸›¸ú Š¸ƒÄ £¸¹©¸ œ¸½¿©¸›¸
‚›¸ºð¸¨¸ 縟¸¸¡¸¸½ù¸›¸ 31.03.18 31.03.17 31.03.16 31.03.15 31.03.14
¡¸¸½ù¸›¸¸ ™½¡¸÷¸¸ œ¸£ (‚ù¸Ä›¸)/ª¸¹›¸ (37.82) 793.17 1,399.16 731.44 661.38
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9.1 œ¸¹£ð¸¸¹ß¸÷¸ ‚¿©¸™¸›¸ ¡¸¸½ù¸›¸¸:
ñ¸ÿˆÅ ׸£¸ ‚¿©¸™¸›¸ œ¸½¿©¸›¸ ¡¸¸½ù¸›¸¸ (èúç¸úœ¸ú‡ç¸) ¥¸¸Š¸Þ ˆÅú Š¸ƒÄ ª¾, ù¸¸½ 01 ‚œÏ¾¥¸, 2010 ˆÅ¸½ ¡¸¸ „縈½Å ñ¸¸™ ñ¸ÿˆÅ Ÿ¸½¿ ð¸÷¸úÄ ª¸½›¸½ ¨¸¸¥¸½ ç¸ð¸ú 縿¨¸Š¸Ä ˆ½Å ‚¹š¸ˆÅ¸¹£¡¸¸½¿ ‚¸¾£
ˆÅŸ¸Ä길¹£¡¸¸½¿ œ¸£ ¥¸¸Š¸Þ ª¾. ƒç¸ ¡¸¸½ù¸›¸¸ ˆÅ¸ œÏñ¸¿š¸›¸ œ¸½¿©¸›¸ û¿Åè ¹›¸¡¸¸Ÿ¸ˆÅ ÷¸˜¸¸ ¹¨¸ˆÅ¸ç¸ œÏ¸¹š¸ˆÅ£μ¸ ˆ½Å ‚š¸ú›¸ £¸ß’ïú¡¸ œ¸½¿©¸›¸ ¡¸¸½ù¸›¸¸ (‡›¸œ¸ú‡ç¸) ’ïç’ ×¸£¸ ¹ˆÅ¡¸¸ ù¸¸÷¸¸
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9.2 ‚›¡¸ ™ú‹¸ÄˆÅ¸¹¥¸ˆÅ ˆÅŸ¸Ä길£ú ¥¸¸ð¸:
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ÇÅ.縿. ‚›¡¸ ™ú‹¸ÄˆÅ¸¹¥¸ˆÅ ¥¸¸ð¸ 31.03.2018 31.03.17
1 œ¸½¿©¸›¸ 417.14 942.00
2 ‚¨¸ˆÅ¸©¸ ›¸ˆÅ™úˆÅ£μ¸ 61.84 58.00
3 ‚¨¸ˆÅ¸©¸ ¹ˆÅ£¸¡¸¸ ¹£¡¸¸¡¸÷¸ (19.02) (3.69)
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(¥¸½‰¸¸œ¸£ú¹®¸÷¸)
31.03.2018 31.03.2017
(‡) ®¸½°¸¨¸¸£ £¸ù¸ç¨¸
1 ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸ 12,008.17 12,508.53
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 10,880.08 10,293.19
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 14,012.38 14,586.86
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 550.49 334.31
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 1,174.01 622.39
¡¸¸½Š¸ 38,625.13 38,345.28
‹¸’¸¡¸¸ ‚¿÷¸£ ®¸½°¸¨¸¸£ £¸ù¸ç¨¸ (211.48) (98.33)
ˆºÅ¥¸ £¸ù¸ç¨¸ 38,413.65 38,246.95
(ñ¸ú) ®¸½°¸¨¸¸£ œ¸¹£μ¸¸Ÿ¸
1 ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸ 1,649.05 3,418.00
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 424.86 679.02
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ (9,488.51) (3,933.55)
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 275.25 179.13
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 540.95 22.05
ˆÅ£ œ¸Þ¨¸Ä ˆºÅ¥¸ ¥¸¸ð¸ (6,598.40) 364.65
(ç¸ú) ‚¸¡¸ˆÅ£ (1,385.93) (207.99)
(èú) ©¸ºÖ ¥¸¸ð¸ (5,212.47) 572.64
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1 ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸ 1,74,049.92 1,49,452.25
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 1,16,279.02 1,01,247.61
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 1,87,288.80 1,96,700.94
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 13,528.66 8,280.41
¡¸¸½Š¸ 4,91,146.40 4,55,681.21
(‡ûÅ) ®¸½°¸¨¸¸£ ™½¡¸÷¸¸‡¿
1 ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸ 1,67,650.29 1,42,297.16
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 1,12,561.64 97,183.59
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 1,81,301.28 1,88,805.48
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ (4381.38) 3,301.31
¡¸¸½Š¸ 4,65,894.59 4,31,587.54

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1 ’ï½ù¸£ú œ¸¹£ê¸¸¥¸›¸ 6,399.63 7,155.09
2 ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ 3,717.39 4,064.02
3 ˆÅ¸Áœ¸¸½Ä£½’/˜¸¸½ˆÅ ñ¸ÿëˆÅŠ¸ 5,987.51 7,895.46
4 ‚›¡¸ ñ¸ÿëˆÅŠ¸ œ¸¹£ê¸¸¥¸›¸ ©¸Þ›¡¸ ©¸Þ›¡¸
5 Š¸¾£ ‚¸ñ¸¿¹’÷¸ 9,147.28 4,979.10
¡¸¸½Š¸ 25,251.81 24,093.67
›¸¸½’:
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ˆÅ¸½ œÏ¸˜¸¹Ÿ¸ˆÅ ®¸½°¸ ˆ½Å ³œ¸ Ÿ¸½¿ œÏˆÅ’ ¹ˆÅ¡¸¸ ª¾. ƒç¸ ‚¨¸¹š¸ ˆ½ ¹¥¸‡½ ¹¨¸™½©¸ú ©¸¸‰¸¸ ˆ½ ‡‡ç¸-17 Ÿ¸½¿ ¹›¸š¸¸Ä¹£÷¸ £¸ù¸ç¨¸ ‚¸¾£ ‚›¡¸ œ¸¾£¸Ÿ¸ú’£ ‡‡ç¸-17 Ÿ¸½¿ ¹›¸š¸¸Ä¹£÷¸
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2. ç¸úš¸½ ÷¸¸¾£ œ¸£ ‚¸ñ¸¿¹’÷¸ ›¸ ¹ˆÅ‡ ù¸¸ 縈ś¸½ ¡¸¸½Š¡¸ ‚¸¡¸, ¨¡¸¡¸, œÏ¡¸ºÆ÷¸ œ¸Þ¿ù¸ú œÏñ¸¿š¸›¸ ׸£¸ „¹ê¸÷¸ 縟¸å¸½ ù¸¸›¸½ ¨¸¸¥¸½ ‚›¸ºŸ¸¸›¸¸½¿ ˆ½Å ‚¸š¸¸£ œ¸£ ¹£œ¸¸½’Ä ¹ˆÅ‡ ù¸¸›¸½ ¨¸¸¥¸½
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(縙硸.縿. 044576) (縙硸.縿. 101998) (縙硸.縿. 048215)
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31.03.2018 ˆÅ¸½ 31.03.2017 ˆÅ¸½
縟¸¸œ÷¸ ¨¸ß¸Ä 縟¸¸œ÷¸ ¨¸ß¸Ä
‡ œ¸¹£ê¸¸¥¸›¸ ˆÅ¸¡¸¸½ô 總 ›¸ˆÅ™ú œÏ¨¸¸ª:
ˆÅ£ 總 œ¸ª¥¸½ ¹›¸¨¸¥¸ ¥¸¸ð¸ (65,98,40) 3,64,65
¹›¸Ÿ›¸ ˆ½Å ¹¥¸‡ 縟¸¸¡¸¸½ù¸›¸ :
‚긥¸ 縿œ¸¹î¸¡¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 3,68,23 2,40,82
¹›¸¨¸½©¸¸½¿ œ¸£ Ÿ¸Þ¥¡¸ ã¸ç¸ 19,27,25 6,32,43
Š¸¾£ ¹›¸ßœ¸¸¹™÷¸ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ (¹›¸¨¸¥¸) 1,34,99,84 60,31,90
Ÿ¸¸›¸ˆÅ ‚¸þç÷¸¡¸¸½¿ ˆ½Å ¹¥¸‡ œÏ¸¨¸š¸¸›¸ (12,34,07) 4,46,38
ç’¸ûŠ縿ñ¸¿š¸ú ¨¡¸¡¸¸½¿ ª½÷¸º œÏ¸¨¸š¸¸›¸ 2,16,36 37,46
‚›¡¸ œÏ¸¨¸š¸¸›¸ 5,49 (20,11)
‚긥¸ ‚þç÷¸¡¸¸½¿ ˆÅú ¹ñ¸ÇÅú/¹›¸œ¸’¸›¸ 總 ¥¸¸ð¸/(ª¸¹›¸) 8,47 (25,83)
‡ç¸¸½¹ç¸‡’Ãç¸ Ÿ¸½¿ ‚¸¡¸ ˆÅ¸ ¹ªç縸 (8,17) (5,89)
‚¥œ¸Ÿ¸÷¸ ¹ª÷¸ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) 0 0
„š¸¸£ú œ¸£ ñ¡¸¸ù¸ : œ¸Þ¿ù¸úŠ¸÷¸ 縸š¸›¸ 11,66,38 8,83,24
„œ¸ ¡¸¸½Š¸ 93,51,38 85,85,05
¹›¸Ÿ›¸ ˆ½Å ¹¥¸‡ 縟¸¸¡¸¸½ù¸›¸:
ù¸Ÿ¸¸£¸¹©¸¡¸¸½¿ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) 3,30,93,74 3,55,69,75
‚›¡¸ ™½¡¸÷¸¸‚¸½¿ ‚¸¾£ œÏ¸¨¸š¸¸›¸¸½¿ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) (15,75,06) 6,08,26
¹›¸¨¸½©¸ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) (1,39,80,35) (2,35,00,48)
‚¹ŠÏŸ¸¸½¿ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) (1,58,85,96) (2,57,32,17)
‚›¡¸ ‚¸þç÷¸¡¸¸½¿ Ÿ¸½¿ ¨¸¼¹Ö/(ˆÅŸ¸ú) (23,58,12) (6,14,36)
œÏ™î¸ œÏ÷¡¸®¸ ˆÅ£ (¹£û¿Åè ˆ½Å ñ¸¸™ ¹›¸¨¸¥¸) (25,56,38) (15,40,55)
œ¸¹£ê¸¸¥¸›¸ ˆÅ¸¡¸¸½ô 總 ¹›¸¨¸¥¸ ›¸ˆÅ™ú œÏ¨¸¸ª (‡) 60,89,25 (66,24,50)

ñ¸ú ¹›¸¨¸½©¸ ˆÅ¸¡¸¸½ô 總 ›¸ˆÅ™ú œÏ¨¸¸ª :

‚긥¸ 縿œ¸¹î¸¡¸¸½¿ ˆÅú ‰¸£ú™ (3,31,23) (3,20,29)
‚긥¸ ‚¸þç÷¸¡¸¸½¿ ˆÅú ¹ñ¸ÇÅú 總 ‚¸Š¸Ÿ¸ 16,31 34,22
‡ç¸¸½¹ç¸‡’Ãç¸ Ÿ¸½¿ ‚¸¡¸ ˆÅ¸ ¹ªç縸 8,17 5,89
¹›¸¨¸½©¸ ˆÅ¸¡¸¸½ô 總 ¹›¸¨¸¥¸ ›¸ˆÅ™ú œÏ¨¸¸ª (ñ¸ú) (3,06,75) (2,80,18)

ç¸ú ¹¨¸î¸œ¸¸½ß¸μ¸ ˆÅ¸¡¸¸½ô 總 ›¸ˆÅ™ú œÏ¨¸¸ª :

ƒþƨ¸’ú ©¸½¡¸£ ‚¸¨¸½™›¸ 總 œÏ¸œ÷¸ £¸¹©¸ 0 5,41,00
ƒþƨ¸’ú ©¸½¡¸£ ˆ¾Å¹œ¸’¥¸ ˆÅ¸½ ù¸¸£ú ˆÅ£›¸½ 總 œÏ¸œ÷¸ ‚¸Š¸Ÿ¸ 4,81,13 0
œÏ¸œ÷¸ œÏ¹÷¸ð¸Þ¹÷¸ œÏú¹Ÿ¸¡¸Ÿ¸ (©¸½¡¸£ ¹›¸Š¸ÄŸ¸ ¨¡¸¡¸ ˆÅ¸½ ‹¸’¸ˆÅ£) 65,66,06 0
œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸¸½¿ ˆ½Å ¹›¸Š¸ÄŸ¸›¸ 總 œÏ¸œ÷¸ ‚¸Š¸Ÿ¸ £¸¹©¸ 3,00,00 47,50,00
œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸¸½¿ ˆÅú 긺ˆÅ¸¾÷¸ú 0 (7,50,00)
œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸¸½¿ ˆ½Å ‚¥¸¸¨¸¸ „š¸¸£ ˆ½Å ‚¸Š¸Ÿ¸ (œ¸¹£©¸¸½š¸›¸ ˆ½Å ñ¸¸™ ¹›¸¨¸¥¸) 41,54,90 65,88,87
†μ¸ £¸¹©¸¡¸¸½¿ œ¸£ œÏ™î¸ ñ¡¸¸ù¸ : œ¸Þ¿ù¸úŠ¸÷¸ ¹¥¸‰¸÷¸ (7,10,15) (7,74,74)
¥¸¸ð¸¸¿©¸ ˆÅ¸ 𸺊¸÷¸¸›¸ (¥¸¸ð¸¸¿©¸ ˆÅ£ 縹ª÷¸) 0 (1,61,34)
¹¨¸î¸œ¸¸½ß¸μ¸ ˆÅ¸¡¸¸½ô 總 ¹›¸¨¸¥¸ ›¸ˆÅ™ú œÏ¨¸¸ª (ç¸ú) 1,07,91,94 1,01,93,79

238 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

ÇÅ.縿. ¹¨¸¨¸£μ¸ (` ¥¸¸‰¸ Ÿ¸½¿)
31.03.2018 ˆÅ¸½ 31.03.2017 ˆÅ¸½
縟¸¸œ÷¸ ¨¸ß¸Ä 縟¸¸œ÷¸ ¨¸ß¸Ä

›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ Ÿ¸½¿ ¹›¸¨¸¥¸ ¨¸¼¹Ö/(ˆÅŸ¸ú) (‡)+(ñ¸ú)+(ç¸ú) 1,65,74,44 32,89,11
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ 3,29,05,92 2,96,16,81
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ 4,94,80,36 3,29,05,92

èú ¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸

›¸ˆÅ™ú ‚¸¾£ 𸸹£ñ¸ÿ ˆ½Å œ¸¸ç¸ ù¸Ÿ¸¸ ©¸½ß¸ (¹¨¸™½©¸ú Ÿ¸ºÍ¸ 縹ª÷¸) 1,65,22,37 1,56,06,92
ñ¸ÿˆÅ¸½¿ ˆ½Å œ¸¸ç¸ ù¸Ÿ¸¸ ‚¸¾£ Ÿ¸¸¿Š¸ œ¸£ ™½¡¸ ù¸Ÿ¸¸ 1,63,83,55 1,40,09,89
¨¸ß¸Ä ˆ½Å ‚¸£¿ð¸ Ÿ¸½¿ ¹›¸¨¸¥¸ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ 3,29,05,92 2,96,16,81

ƒÄ ¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸

›¸ˆÅ™ú ‚¸¾£ 𸸹£ñ¸ÿ ˆ½Å œ¸¸ç¸ ù¸Ÿ¸¸ ©¸½ß¸ (¹¨¸™½©¸ú Ÿ¸ºÍ¸ 縹ª÷¸) 2,10,17,35 1,65,22,37
ñ¸ÿˆÅ¸½¿ ˆ½Å œ¸¸ç¸ ù¸Ÿ¸¸ ‚¸¾£ Ÿ¸¸¿Š¸ œ¸£ ™½¡¸ ù¸Ÿ¸¸ 2,84,63,01 1,63,83,55
¨¸ß¸Ä ˆ½Å ‚¿÷¸ Ÿ¸½¿ ¹›¸¨¸¥¸ ›¸ˆÅ™ú ‡¨¸¿ ›¸ˆÅ™ú 縟¸ˆÅ®¸ 4,94,80,36 3,29,05,92

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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 239

 INDEPENDENT AUDITORS’ REPORT
To The Board of Directors of Union Bank of India
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2. Management’s responsibility for the Consolidated Financial Statements

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3. Auditors’ responsibility

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4. Opinion

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240 Annual Report 2017-2018

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5. Other Matters

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FOR P. A. & ASSOCIATES FOR S BHANDARI & CO. FOR C N K & ASSOCIATES LLP
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Annual Report 2017-2018 241

 CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
` LQ·V
6FKHGXOH As on $VRQ
1XPEHU 31.03.2018 
CAPITAL AND LIABILITIES
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%RUURZLQJV 4 4,56,80,39,16 
2WKHU/LDELOLWLHVDQG3URYLVLRQV  99,25,77,33 
Total 49,11,46,40,47 
ASSETS
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%DODQFHVZLWK%DQNVDQGPRQH\DWFDOODQGVKRUWQRWLFH  2,84,63,00,94 
,QYHVWPHQWV  12,55,10,70,68 
$GYDQFHV  29,05,71,50,90 
)L[HG$VVHWV 10 38,46,04,96 
2WKHU$VVHWV 11 2,17,37,78,18 
Total 49,11,46,40,47 
&RQWLQJHQW/LDELOLWLHV 12 24,18,28,12,66 
%LOOVIRU&ROOHFWLRQ 1,84,27,08,88 
6LJQLÀFDQW$FFRXQWLQJ3ROLFLHV 
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FOR P A & ASSOCIATES FOR S. BHANDARI & CO. FOR C N K & ASSOCIATES LLP
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242 Annual Report 2017-2018

CONSOLIDATED PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2018
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6FKHGXOH Year Ended <HDU(QGHG
1XPEHU 31.3.2018 
I. Income
,QWHUHVW(DUQHG  3,29,51,56,96 
2WKHU,QFRPH 14 54,62,08,28 
Total 3,84,13,65,24 
II. Expenditure
,QWHUHVW([SHQGHG  2,34,70,90,02 
2SHUDWLQJ([SHQVHV  73,50,82,64 
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Total 4,36,34,29,31 
III. &RQVROLGDWHG1HW3URÀW1HW/RVV%HIRUH0LQRULW\,QWHUHVW
and Share of Earnings in Associates (52,20,64,07) 
$GG6KDUHRI(DUQLQJLQ$VVRFLDWHV 8,17,25 
&RQVROLGDWHG1HW3URÀW1HW/RVVIRUWKH\HDUEHIRUH (52,12,46,82) 
deducting minorities interest
/HVV0LQRULWLHV,QWHUHVW - 
&RQVROLGDWHG1HW3URÀW1HW/RVVIRUWKH\HDUDWWULEXWDEOHWRWKHJURXS (52,12,46,82) 
$GG3URÀW%URXJKW)RUZDUG - 
Amount Available for Appropriations (52,12,46,82) 

IV. Appropriations
7UDQVIHUWR6WDWXWRU\5HVHUYH - 
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7UDQVIHUWR5HYHQXH$QG2WKHU5HVHUYHV - 
7UDQVIHUWR6SHFLDO5HVHUYH>6HF,9LLLRIWKH,QFRPH7D[$FW@ - 
%DODQFH,Q3URÀW$QG/RVV$FFRXQW (53,23,63,59) 
Total (52,12,46,82) 
(DUQLQJVSHUVKDUH%DVLFDQG'LOXWHG)9RI`  (68.98) 
6LJQLÀFDQW$FFRXQWLQJ3ROLFLHV 
1RWHVRQ$FFRXQWV 
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&+$57(5('$&&2817$176 CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS
)51( )51& )51:

KAMAL AGRAWALLA P P PAREEK MANISH P. SAMPAT

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Annual Report 2017-2018 

SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
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As on 31.03.2018 $VRQ
SCHEDULE 1 - CAPITAL :
I. Authorised :
L (TXLW\6KDUHVRI` 10 each 30,00,00,00 
II. Issued, Subscribed & Paid up :
L  (TXLW\ 6KDUHV RI `  HDFK KHOG E\
&HQWUDO*RYHUQPHQW3<(TXLW\6KDUHV 7,87,91,46 
LL  (TXLW\ 6KDUHV RI `  HDFK KHOG E\
3XEOLF3<(TXLW\6KDUHV 3,80,65,88 
TOTAL 11,68,57,34 

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$GGLWLRQGXULQJWKH\HDU 3,44,10,71 
'HGXFWLRQGXULQJWKH\HDU 3,62,91,97 
TOTAL 51,46,34,38 
/HVV0LQRULW\,QWHUHVW – 
TOTAL 51,46,34,38 
LL 6SHFLDO 5HVHUYH 6HF YLLL RI
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'HGXFWLRQGXULQJWKH\HDU 11,54,45 
TOTAL 1,43,54,92 81,64,89,30  
9, %DODQFHLQ3URÀWDQG/RVV$FFRXQW (53,58,53,63) –
TOTAL 2,40,83,23,51 

244 Annual Report 2017-2018

SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
` LQ·V
As on 31.03.2018 $VRQ
SCHEDULE 2 A Minority Interest
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$GG/HVV,QFUHDVH'HFUHDVHGXULQJWKH\HDU – –
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SCHEDULE 3 - DEPOSITS :
, 'HPDQG'HSRVLWV
 L )URP%DQNV 4,72,80,37 
 LL )URP2WKHUV 2,46,09,16,79 2,50,81,97,16  

,, 6DYLQJV%DQN'HSRVLWV 11,42,00,95,04 

,,, 7HUP'HSRVLWV
 L )URP%DQNV 65,64,72,87 
 LL )URP2WKHUV 26,44,40,78,06 27,10,05,50,93  
TOTAL 41,02,88,43,13 

'HSRVLWVRIEUDQFKHVLQ,QGLD 40,31,70,44,72 

'HSRVLWVRIEUDQFKHVRXWVLGH,QGLD 71,17,98,41 
TOTAL 41,02,88,43,13 

SCHEDULE 4 - BORROWINGS :
$ %RUURZLQJV&DSLWDO,QVWUXPHQWV
 , 3HUSHWXDO%RQGV 45,39,62,35 
 ,, 8SSHU7LHU,,%RQGV 15,00,00,00 
 ,,, 7LHU,,%RQGV 67,50,00,00 1,27,89,62,35  

% %RUURZLQJVLQ,QGLD
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 LL 2WKHU%DQNV – –
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& %RUURZLQJV2XWVLGH,QGLD 2,51,08,38,91 

TOTAL 4,56,80,39,16 
6HFXUHG%RUURZLQJVLQFOXGHGLQ%, %,,,DERYH 65,86,00,00 

SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS :

, %LOOV3D\DEOH 12,68,88,35 
,, ,QWHUHVW$FFUXHG 35,08,16,31 
,,, 'HIHUUHG7D[/LDELOLW\ – –
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TOTAL 99,25,77,33 

Annual Report 2017-2018 

SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
` LQ·V
As on 31.03.2018 $VRQ
SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA :
, &DVKLQ+DQG 12,91,22,28 
 LQFOXGLQJIRUHLJQFXUUHQF\QRWHV *ROG
,, %DODQFHVZLWK5HVHUYH%DQNRI,QGLD,Q&XUUHQW$FFRXQW 1,97,26,12,53 
TOTAL 2,10,17,34,81 

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE :
, ,Q,QGLD
 L %DODQFHVZLWK%DQNV
  D ,Q&XUUHQW$FFRXQWV 69,34,80 
  E ,Q2WKHU'HSRVLW$FFRXQWV 71,41,43,81 
 LL 0RQH\DW&DOO 6KRUWQRWLFH
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  E :LWK2WKHU,QVWLWXWLRQV – –
1,91,39,69,94 
,, 2XWVLGH,QGLD
 L ,Q&XUUHQW$FFRXQWV 4,37,96,90 
 LL ,QRWKHU'HSRVLW$FFRXQWV 87,68,99,77 
 LLL 0RQH\DW&DOO 6KRUWQRWLFH 1,16,34,33 
93,23,31,00 

TOTAL 2,84,63,00,94 

SCHEDULE 8 - INVESTMENTS :
, ,QYHVWPHQWVLQ,QGLD
L*RYHUQPHQW6HFXULWLHV 9,81,23,77,63 
LL2WKHU$SSURYHG6HFXULWLHV 84,72,17 
LLL6KDUHV 22,22,99,08 
LY'HEHQWXUHVDQG%RQGV 2,02,51,57,25 
Y6XEVLGLDULHVDQG-RLQW9HQWXUHV 2,02,30,50 
YL2WKHUV&RPPHUFLDO3DSHU
0XWXDO)XQGV9HQWXUH&DSLWDO6HFXULW\5HFHLSW(WF 25,12,57,93 
TOTAL 12,33,97,94,56 
,, ,QYHVWPHQWVRXWVLGH,QGLD
L*RYW6HFXULWLHVLQFOXGLQJ/RFDO$XWKRULWLHV 16,25,39,36 
LL6KDUHV 40,32 
LLL2WKHU,QYHVWPHQWV%RQGV 4,86,96,44 
LY6XEVLGLDULHVDQG-RLQW9HQWXUHV – –
TOTAL 21,12,76,12 

TOTAL 12,55,10,70,68 

,,, ,QYHVWPHQWVLQ,QGLD
*URVV9DOXH 12,61,41,78,59 
/HVV3URYLVLRQIRU'HSUHFLDWLRQ 27,43,84,03 
1HW9DOXHRI,QYHVWPHQWLQ,QGLD 12,33,97,94,56 
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*URVV9DOXH 21,13,25,50 
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1HW9DOXHRI,QYHVWPHQWRXWVLGH,QGLD 21,12,76,12 

TOTAL 12,55,10,70,68 

 Annual Report 2017-2018

SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
` LQ·V
As on 31.03.2018 $VRQ
SCHEDULE 9 - ADVANCES (Net)
, L %LOOV3XUFKDVHGDQG'LVFRXQWHG 88,93,93,48 
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TOTAL 29,05,71,50,90 
,, L 6HFXUHGE\7DQJLEOH$VVHWV
  LQFOXGHV$GYDQFHDJDLQVW%RRN'HEWV 25,83,84,12,93 
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 LLL 8QVHFXUHG 2,20,32,70,46 
TOTAL 29,05,71,50,90 
$ $GYDQFHVLQ,QGLD
 L 3ULRULW\6HFWRU 11,05,56,83,14 
 LL 3XEOLF6HFWRU 2,50,78,14,78 
 LLL %DQNV (4,08,00,28) 
 LY 2WKHUV 12,92,09,56,45 
TOTAL 2,64,43,65,409 
% $GYDQFHVRXWVLGH,QGLD
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 LL 'XH)URP2WKHUV
  D %LOOV3XUFKDVHGDQG'LVFRXQWHG 58,62,42,36 
  E 6\QGLFDWHGORDQV 2,23,98,63 
  F 2WKHUV 1,27,66,26,09 
TOTAL 2,61,34,96,81 3,04,17,60,14

TOTAL 29,05,71,50,90 

SCHEDULE 10 - FIXED ASSETS

$ 7$1*,%/($66(76
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38,39,16,26 
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69,53,13 
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SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS ON 31ST MARCH, 2018
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,9 2WKHU)L[HG$VVHWV
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26,53,52 
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26,16,37,36 
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% ,17$1*,%/($66(76
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2,52,04,14 
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TOTAL 38,46,04,96 

SCHEDULE 11 - OTHER ASSETS :

, ,QWHU2IÀFH$GMXVWPHQWV1HW 2,17,67,38 
,, ,QWHUHVW$FFUXHG 35,71,48,58 
,,, 6WDWLRQHU\DQG6WDPSV 3,89,64 
,9 1RQ%DQNLQJ$VVHWVDFTXLUHGLQVDWLVIDFWLRQRIFODLPV 3,90 
9 'HIHUUHG7D[$VVHWV 41,98,14,27 
9, 2WKHUV 1,37,34,05,00 
9,,*RRGZLOORQDFFRXQWRIFRQVROLGDWLRQ 12,49,42 
TOTAL 2,17,37,78,18 

SCHEDULE 12 - CONTINGENT LIABILITIES :

, &ODLPVDJDLQVWWKH%DQNQRWDFNQRZOHGJHGDVGHEWV 34,42,29,27 
,, /LDELOLW\IRUSDUWO\SDLG,QYHVWPHQWV 59,20 
,,, /LDELOLW\RQDFFRXQWRIRXWVWDQGLQJIRUZDUGH[FKDQJHFRQWUDFWV 18,38,54,87,97 
,9 *XDUDQWHHVJLYHQRQEHKDOIRI&RQVWLWXHQWV
 L ,Q,QGLD 1,97,44,97,13 
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9 $FFHSWDQFHV(QGRUVHPHQWVDQG2WKHU2EOLJDWLRQV 3,03,30,98,80 
9, 2WKHULWHPVRI&RQWLQJHQW/LDELOLW\ 87,14,25 
 L 'LVSXWHG7D[GHPDQGVXQGHU$SSHDOV 30,37,32,96 
 LL $PRXQWWUDQVIHUHGWR'($)6FKHPH 9,73,77,00 
TOTAL 24,18,28,12,66 

 Annual Report 2017-2018

 SCHEDULES FORMING PART OF CONSOLIDATED PROFIT & LOSS ACCOUNT
FOR THE YEAR ENDED 31ST MARCH, 2018 ` LQ·V
Year Ended <HDU(QGHG
31.03.2018 
SCHEDULE 13 - INTEREST EARNED :
, ,QWHUHVW'LVFRXQWRQ$GYDQFHV%LOOV 2,28,56,97,61 
,, ,QFRPHRQ,QYHVWPHQWV 88,98,35,39 
,,, ,QWHUHVWRQ%DODQFHVZLWK5%, 2WKHU,QWHU%DQN)XQGV 11,40,55,44 
,9 2WKHUV 55,68,52 
TOTAL 3,29,51,56,96 

SCHEDULE 14 - OTHER INCOME :

, &RPPLVVLRQ([FKDQJHDQG%URNHUDJH 5,04,29,07 
,, 3URÀWRQ6DOHRI,QYHVWPHQWV1HW 12,96,61,38 
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,9 3URÀWRQ([FKDQJH7UDQVDFWLRQV1HW 8,92,52,90 
9 0LVFHOODQHRXV,QFRPH 27,77,12,31 
TOTAL 54,62,08,28 

SCHEDULE 15 - INTEREST EXPENDED :

, ,QWHUHVWRQ'HSRVLWV 2,15,78,06,81 
,, ,QWHUHVWRQ5HVHUYH%DQNRI,QGLD,QWHU%DQN%RUURZLQJ 8,68,43,93 
,,, 2WKHUV 10,24,39,28 
TOTAL 2,34,70,90,02 

SCHEDULE 16 - OPERATING EXPENSES :

, 3D\PHQWVWRDQG3URYLVLRQVIRU(PSOR\HHV 33,32,17,10 
,, 5HQW7D[HVDQG/LJKWLQJ 5,74,68,66 
,,, 3ULQWLQJDQG6WDWLRQHU\ 57,22,80 
,9 $GYHUWLVHPHQWDQG3XEOLFLW\ 63,79,97 
9 'HSUHFLDWLRQRQ%DQN·V3URSHUW\ 3,68,23,23 
9, 'LUHFWRUV·)HHV$OORZDQFHVDQG([SHQVHV 3,74,01 
9,, 5HPXQHUDWLRQWR0DQDJLQJ([HFXWLYH'LUHFWRU 1,04,63 
9,,,$XGLWRUV·)HHVDQG([SHQVHVLQFOXGLQJ%UDQFK$XGLWRUV 55,11,36 
,; /DZ&KDUJHV 41,99,24 
; 3RVWDJH7HOHJUDPV7HOHSKRQHVHWF 95,42,36 
;, 5HSDLUVDQG0DLQWHQDQFH 1,22,81,81 
;,, ,QVXUDQFH 3,80,68,24 
;,,,2WKHU([SHQGLWXUH 22,53,89,23 
TOTAL 73,50,82,64 

Annual Report 2017-2018 

SCHEDULES FORMING PART OF THE ACCOUNTS FOR 2017-2018 (CONSOLIDATED)
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5 8QDOORFDWHG$VVHWV 13,528.66 
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Annual Report 2017-2018 261

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2 5HWDLO%DQNLQJ2SHUDWLRQV 112,561.64 
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5 8QDOORFDWHG/LDELOLWLHV 9,147.28 
Total 25,251.81 

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11. RELATED PARTY DISCLOSURES (AS-18)

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 d) Key Management Personnel
Name Designation Joining/Cessation during the year 2017-18
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12. Parties with whom transactions were entered into during the year
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Particulars 31.03.2018 31.03.2017
&KDLUPDQDQG0DQDJLQJ'LUHFWRU 0.28 
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13. EARNING PER SHARE (AS-20)

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Deferred Tax Assets
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Annual Report 2017-2018 

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Sr No Particulars 31.03.2018 31.03.2017
Deferred Tax Liabilities
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2 $FFUXHGLQWHUHVWRQVHFXULWLHV  
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CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH, 2018

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Sr. Particulars Year ended Year ended
No. 31.03.2018 31.03.2017
A &$6+)/2:)52023(5$7,1*$&7,9,7,(6
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NET CASH FLOW FROM OPERATING ACTIVITIES (A) 60,89,25 (66,24,50)
B &$6+)/2:)520,19(67,1*$&7,9,7,(6
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C &$6+)/2:)520),1$1&,1*$&7,9,7,(6
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NET CASH FLOW FROM FINANCING ACTIVITIES (C) 1,07,91,94 1,01,93,79

Net Increase (decrease) in Cash & Cash Equivalent ( A )+( B )+( C ) 1,65,74,44 32,89,11
Cash and Cash Equivalents as at the beginning of the year 3,29,05,92 2,96,16,81
Cash and Cash Equivalents as at the end of the year 4,94,80,36 3,29,05,92

Annual Report 2017-2018 265

CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH, 2018

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D CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR
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266 Annual Report 2017-2018

 ù¸¸½¹‰¸Ÿ¸ œÏñ¸¿š¸›¸
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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 267

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2. ¡¸Þ¹›¸¡¸›¸ ‚¸™©¸Ä ŠÏ¸Ÿ¸ ¡¸¸½ù¸›¸¸:
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1. ‚¸Ÿ¸ ù¸›¸÷¸¸ / ›¸¸Š¸¹£ˆÅ ˆ½Å ¹¥¸‡ ‚¸¡¸¸½¹ù¸÷¸ ‚›¡¸ Š¸¹÷¸¹¨¸¹š¸¡¸¸½¿ ˆÅ¸ ñ¡¸¸¾£¸
¹›¸Ÿ›¸¹¥¸¹‰¸÷¸ ªÿ:
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˜¸ú, ¹ù¸ç¸ˆ½Å Ÿ¸¸š¡¸Ÿ¸ 總 4,00,000 ñ¸ÿˆÅ ˆ½Å ŠÏ¸ªˆÅ, 75,000 ›¸¸Š¸¹£ˆÅ¸½¿
‡¨¸¿ 38,390 ç’¸ûŠ縙硸¸½¿ ›¸½ ç¸÷¡¸¹›¸ß¶¸ ˆÅú ©¸œ¸˜¸ ¥¸ú.
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›¸¸’ˆÅ, œÏªç¸›¸ ‚¸¹™ ‚¸¡¸¸½¹ù¸÷¸ ¹ˆÅ‡ Š¸‡.
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ˆÅ¸¡¸ÄÇÅŸ¸ ¹ˆÅ‡ Š¸‡.
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50,800 œÏ¹÷¸ð¸¸Š¸ú ©¸¸¹Ÿ¸¥¸ ˜¸½.
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¹ˆÅ¡¸¸ Š¸¡¸¸, ¹ù¸ç¸Ÿ¸½¿ 73,177 ø¸°¸¸½¿ ›¸½ 𸸊¸ ¹¥¸¡¸¸.
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ªŸ¸¸£½ ñ¸ÿˆÅ ˆÅ¸ ‡ˆÅ œÏ¸¡¸¸½ù¸ˆÅ ŠÏ¸Ÿ¸úμ¸ ñ¸ÿˆÅ ª¾. ˆ½Åù¸ú‡ç¸ù¸úñ¸ú ˆÅú 444
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 RISK MANAGEMENT
Disclosures under Basel III Capital Regulations and Pillar III
In accordance with RBI issued Master Circular on Basel III Capital Regulations dated July 1, 2015, Banks are required to make Pillar
3 disclosures under Basel III capital requirements. The Bank has made these disclosures which are available on its website at the
following link.

KWWSVZZZXQLRQEDQNRÀQGLDFRLQHQJOLVK%DVHOB'LVFORVXUHVB,,,DVS[

Annual Report 2017-2018 293

 BUSINESS RESPONSIBILITY REPORT 2017-18
Section A: General Information about the Company &RUH%DQNLQJ6ROXWLRQZLWKFRQQHFWLYLW\EHWZHHQEUDQFKHVDQG
Union Bank of India, founded on 11thNovember 1919 with its cent percent of the business of the Bank is under Core Banking
headquarters in Mumbai, was inaugurated by Mahatma Gandhi, 6ROXWLRQ
the Father of the nation in the year 1921. The Bank’s core 2WKHUXVHIXOLQIRUPDWLRQDERXWWKH%DQNLV
values of prudent management without ignoring opportunities
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and development during all 98 years of its operations. The 1XPEHU&,1RI
Bank’s focus is on qualitative growth in business while lending the Company:
to productive sectors and ensuring asset quality is not impaired. Registered Union Bank Bhavan, 239, Vidhan Bhavan
This ensures that the Bank’s performance in key business $GGUHVV Marg,
parameters improves year after year. The Bank now has 4296
'RPHVWLFEUDQFKHVDQG$70·V Nariman Point, KWWSZZZXQLRQEDQNRÀQGLDFRLQ
Mumbai – 400021
Website: KWWSZZZXQLRQEDQNRÀQGLDFRLQ
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,QGLD8./WGLQ/RQGRQ7KH%DQNKDVVWDIIVWUHQJWKRI reported:
who diligently adhere to the Bank’s values and work towards
achieving the Bank’s vision. Section B: Financial Details of the Company
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Paid up Capital 1169.00
7RWDO'HSRVLWV 408502.00
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Corporate Social Responsibility:
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UNION BANK OF INDIA WINS IBA BANKING TECHNOLOGY AWARDS
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by creating enablers for social and community development.
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engaged in empowering people through various developmental
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RUJDQL]HGE\,%$DW0XPEDLRQ reporting year include:
List of some new CSR initiatives taken in 2017-2018:
The Bank is primarily engaged in providing Banking and ‡ 'RQDWLRQIRUUHQRYDWLRQRI%DQGUD5DLOZD\VWDWLRQ
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products and services broadly falls under three categories: ‡ 'RQDWLRQ IRU SURYLGLQJ HGXFDWLRQ VRIWZDUH LQ *RYHUQPHQW
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3. Remittances and Collections Rewa Region.
The Bank’s activities are covered under the activity code - 6419 ‡ 'RQDWLRQWR,QGLDQ&DQFHU6RFLHW\0XPEDLIRUWUHDWPHQWRI
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its branches are computerized. The Bank has also introduced 'D\DQDQG$UWV 6FLHQFH&ROOHJH3DUHO0XPEDL

294 Annual Report 2017-2018

‡ 'RQDWLRQ IRU UXQQLQJ PRELOH PHGLFDO VHUYLFHV WR UHPRWH S Questions Principles of National Voluntary
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treatment. in consultation
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village, Udaipur by distributing books, Uniform, cycle etc.. 3 'RHV WKH SROLF\ <HV WKH %DQN·V 6XVWDLQDEOH
conform to any 'HYHORSPHQWDQG&RUSRUDWH6RFLDO
Section C: Other Details National / Responsibility Policy is based
7KH%DQNKDVWKUHHVXEVLGLDULHV8QLRQ%DQNRI,QGLD8./WG I n t e r n a t i o n a l on National Voluntary Guidelines
8QLRQ.%&$VVHW0DQDJHPHQW&RPSDQ\3ULYDWH/WGDQG8QLRQ standards? If yes RQ 6RFLDO (QYLURQPHQWDO DQG
.%&7UXVWHH&RPSDQ\3YW/WGRQHMRLQWYHQWXUH6WDU8QLRQ VSHFLI\"ZRUGV (FRQRPLF 5HVSRQVLELOLWLHV RI
'DL,FKL/LIH,QVXUDQFH&RPSDQ\/WGDQGRQHDVVRFLDWH.DVKL Business as released by Ministry of
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as its partners conduct their business in a responsible manner. India.
The Bank is committed to providing the necessary knowledge
and support to its subsidiaries and business partners regarding 4 +DVWKHSROLF\EHLQJ <HV WKH 6XVWDLQDEOH 'HYHORSPHQW
business responsibility. approved by the DQG&RUSRUDWH6RFLDO5HVSRQVLELOLW\
Section D: BR Information Board? If yes, has policy has been approved by the
it been signed by Board and signed by the Managing
Governance related to Business Responsibility WKH 0'RZQHU&(2 'LUHFWRU
'LUHFWRUUHVSRQVLEOHIRULPSOHPHQWDWLRQRIWKH%5SROLF\SROLFLHV $SSURSULDWHGLUHFWRU

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the implementation
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About Business Responsibility Report cated to all relevant increase awareness of the policy,
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this is a regulatory requirement it is published annually along with stakeholders? conducted at different levels.
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of the Bank. The BR report of the Bank can be accessed on our have in-house
website at the following link: structure to
implement the
Main Page > Others>Policies & Disclosures
policy/policies?
Principle-wise (as per NVGs) BR Policy/Policies (Reply in Y/N)

Annual Report 2017-2018 295

 S Questions Principles of National Voluntary stakeholders, government and regulatory agencies, media, and
No. Guidelines (NVG) anyone else with whom it is connected. It recognizes that-the
Bank is a trustee and custodian of public money and in order
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public at large.
have a grievance
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mechanism related
to the policy/ ‡ $GKHUHQFH WR WKH KLJKHVW VWDQGDUGV RI KRQHVW DQG HWKLFDO
policies to address conduct, including proper and ethical procedures in dealing
stakeholders’ ZLWKDFWXDORUDSSDUHQWFRQÁLFWVRILQWHUHVWEHWZHHQSHUVRQDO
grievances related to and professional relationships.
the policy/policies?
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10 +DV WKH FRPSDQ\ $WSUHVHQWWKH6' &65&RPPLWWHH the Bank with government and regulatory agencies.
carried out of the Bank is monitoring the BR
independent audit/ performance of the Bank at quarterly ‡ &RPSOLDQFHZLWKDSSOLFDEOHODZVUXOHVDQGUHJXODWLRQV
evaluation of the LQWHUYDOV+RZHYHUJRLQJIRUZDUGLW
working of this ZLOODOVREHHYDOXDWHGE\DQH[WHUQDO ‡ $GGUHVVPLVXVHRUPLVDSSOLFDWLRQRIWKH%DQN·VDVVHWVDQG
policy by an internal agency at periodic intervals resources.
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within and outside the Bank.
Section E: Principle-wise Performance
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Union Bank of India is committed to operating and growing its YDOXHVDQGUHÁHFWVLWVFRPPLWPHQWWRHWKLFDOEXVLQHVVSUDFWLFHV
business in a socially responsible way. The Bank is convinced across the operations. The Code also sets standards which not
that businesses that address both the direct concerns of citizens only meets the requirements of applicable legislations but goes
and the needs of the environment will prosper over the long term. beyond in many areas of its functioning.
This belief is at the core the Bank’s vision is to grow its business,
while reducing its environmental footprint and increasing its Union Bank of India organizes
positive social impact. Union Bank of India is committed to “Vigilance Awareness Programme :
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help people to improve their health and wellbeing, reduce the
environmental footprint and enhance the livelihoods of people
as the business grows.
The report provides an overview of the activities carried out by
the Company under each of the nine principles as outlined in the
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Principle 1 - Sound Corporate Governance

Union Bank of India takes pride in the good governance that
dates back to the vision of the founders and of the fact that the
subsequent leaders have built on this tradition over the years
making Union Bank of India one of the leaders in the Banking
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which are reinforced at all levels of employment within the bank.
Union Bank of India is committed to doing things the right way,
that is ethical and in compliance with the applicable legislation
thus leading to sound corporate governance.
The Bank follows a principle-based approach towards corporate
governance which ensures the Bank delivers strong and effective
JRYHUQDQFHZKLFKLVUHVSHFWHGE\LQYHVWRUV$VSDUWRI&RUSRUDWH
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attempts to set forth the guiding principles on which the Bank
operates and conducts its daily business with its multitudinous
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D9LJLODQFH$ZDUHQHVVSURJUDPRQWKHWKHPH´0<9,6,21
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Nariman Point, Mumbai. This function was organized on the
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sin, Vigilance Commissioner, Central Vigilance Commission,
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296 Annual Report 2017-2018

The Bank also publishes a Corporate Governance Report with
UNION BANK WON BEST EMERGING BANK AWARDS
LWV$QQXDO5HSRUW7KHIROORZLQJSROLFLHVDUHDSSOLFDEOHWRDOOWKH AT IDRBT BANKING TECHNOLOGY EX-CELLENCE
RIÀFHUVHPSOR\HHVRIWKH%DQN AWARDS FOR THE YEAR 2016-17
Union bank of india won best emerging bank award for the
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Management of various Banks represented by the Indian
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Responsibility policy
The Bank’s good corporate practices have won it several laurels
and recognition in the past years.
CMD, Union Bank of India wins
‘Banker of the year’ Award
Mumbai ² -XQH   6KUL $UXQ 7LZDUL &KDLUPDQ 
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– Consistent Performance’. This highest Independent
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function held DW %6( &RQYHQWLRQ +DOO 0XPEDL
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technology to improve cost, reach, customer service and
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that has demonstrated commendable performance across
multiple categories.
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Principle 2 – Sustainable Products and Services
The Bank is aware both of the crucial role that it plays in the
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individuals, companies and government bodies, and of the
potential that it has to be a powerful agent of change by providing
banking services to a wider section of population. The Bank
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social development.
The Bank’s business strategies continue to be aimed at
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strategic positioning of the Bank, developing new ideas to reach
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LVELJLQGXVWU\RUWKH060(VHFWRUH[SRUWVWUDGHDJULFXOWXUH

Annual Report 2017-2018 

infrastructure or the personal segment. The Bank has been a
pioneer in taking meaningful initiatives for Financial Inclusion
catering to the needs of the disadvantaged, the details of which
can be found on the Bank’s corporate website.
The Bank has the distinction of offering various digital products,
services and solutions which provides the customer the
convenience in fund transfer, inquiries, user friendly usage, high
level security and various other features to attract customers to
6. Debit Card Control: 'HELW FDUG FRQWURO IXQFWLRQDOLW\ KDV
been introduced in our U Mobile through which customer
can deactivate/activate his debit card and set his spending
OLPLW7KLVIDFLOLW\QRWRQO\HQKDQFHVFXVWRPHUFRQÀGHQFHE\
H[SRVLQJWKHPWRUHDOWLPHFRQWURORYHUWKHLUFDUGWUDQVDFWLRQ
but also introduce them to a new range of security level.
 Chat Bot: Chatbot is a computer programme designed
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use digital channels of transactions. The bank has developed ,QWHOOLJHQFH$,&KDWERWFRQGXFWVFRQYHUVDWLRQWRDQVZHU
products which are environment friendly, especially for persons the question or issue at hand, deliver meaningful offers
ZLWK GLVDELOLW\ DQG WKRVH IRU WKH EHQHÀW WKH VRFLHW\ DW ODUJH and make every day banking easier, faster and convenient.
6RPHWKHNH\SURGXFWVFDWHULQJWRFXVWRPHUQHHGVDVZHOODV 7R FDWHU VXFK UHTXLUHPHQWV %DQN KDV FRPH XS ZLWK )$4
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1. BHIM AADHAAR: %KLP $DGKDDU LV D 0HUFKDQW 3D\PHQW $W SUHVHQW 89$ LV LQWHJUDWHG LQ EDQN·V FRUSRUDWH ZHEVLWH
$SSOLFDWLRQ ZKLFK DOORZV WKH FXVWRPHUV WR SHUIRUP D DQG RIÀFLDO )DFHERRN SDJH ,W FDQ EH DFFHVVHG WKURXJK
SXUFKDVH WUDQVDFWLRQ XVLQJ KLVKHU $DGKDDU 1XPEHU DQG 89$LFRQLQZHEVLWHDQGIDFHERRNPHVVHQJHUDW8QLRQ%DQN
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is interoperable in nature allowing any bank customer
8. Contactless Debit Card:Bank launched Visa Paywave
WR WUDQVDFW RQ WKLV $DGKDDU EDVHG 0HUFKDQW DSSOLFDWLRQ
SURYLGHGLWLVDQ$DGKDDUVHHGHG%DQNDFFRXQW 'HELW &DUG IRU DOO WKH FXVWRPHUV LUUHVSHFWLYH RI WKHLU $YJ
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2. Bharat Bill Payment System (BBPS): Bharat Bill Payment
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6\VWHP %%36 IXQFWLRQV ZLWK D VLQJOH EUDQG LPDJH
provides customers the improved convenience of speed as
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to customers. It is a single bill payment platform which
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covers repetitive payments for everyday utility services such
as electricity, water, gas, telephone and direct-to-home 5V 7KH 9LVD 3D\ ZDYH 'HELW &DUG FRPSULVHV ERWK
'7+ WHOHYLVLRQ VHUYLFH 7KLV IDFLOLW\ KDV EHHQ LQWHJUDWHG &KLSDQG$QWHQQDHPEHGGHGLQLWZKLFKHQDEOHVWKHFDUGWR
under Bill Presentment module in Internet Banking. ZRUNRQERWKFRQWDFWOHVVDQGQRUPDO3R6WHUPLQDODVZHOO

3. Union Sahyog: %DQN KDV ODXQFKHG 8QLRQ 6DK\RJ 9. Green PIN Solution for Debit Cards – Green initiative
$SSOLFDWLRQ ZLWK DQ DLP WR VLPSOLI\ WKH SURFHGXUH IRU 3DSHUOHVVDQG'LJLWDODQGYDOXHDGGHGVHUYLFHODXQFKHG
disseminating various information about the organization that offers an effortless and hassle free Pin generation by
and to provide a single interface across all mobile and RXUGHELWFDUGKROGHUDWDQ\8QLRQ%DQN$70&DUGKROGHU
ZHE EDVHG SD\PHQW FKDQQHOV ,W·V 2QH $SS ZLWK PXOWLSOH FDQJHQHUDWHQHZ3LQDQGFKDQJHKLVH[LVWLQJ3LQWKURXJK
functionality feature aims to be more customer friendly in this solution.
providing information on various product offerings of the
10. Union Connect – %DQN·V RIÀFLDO SDJHV DUH ODXQFKHG LQ
Bank.
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4. Biometric Authentication ATM: 8QLRQ %DQN LV WKH ÀUVW SURMHFW8QLRQ&RQQHFWWROHYHUDJHEXVLQHVVRSSRUWXQLWLHV
368 %DQN WR LQWURGXFH ELRPHWULF DXWKHQWLFDWLRQ RI $70
enhancing brand image, educating customers, spreading
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community in social media platforms. Users are educated
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in ongoing business interactions, customer care, educating
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posts, organizing online events and resolving user’s issues
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etc. We are also learning about the overall sentiment of
5. RuPay Prepaid Card:RuPay prepaid card is another
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addition to our kitty of technology based products and
suggestion/ feedback to concerned team. Bank has also
services which depicts our bank as a true techno-savvy
marked presence on YouTube and Instagram in FY 2016-
bank. These cards are to be issued to the customers
18.
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done at branch level which will facilitate a better control and 11. UPI – 7KURXJK 83,8QLÀHG 3D\PHQW ,QWHUIDFH FXVWRPHU
reconciliation system. can send/receive mRQH\;XVLQJDVPDUWSKRQHZLWKD

298 Annual Report 2017-2018

 VLQJOHLGHQWLÀHULH$DGKDDU1XPEHU$FFRXQW1XPEHUZLWK
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account information.
12. U Control – This mobile based application for credit card
customers is launched to facilitate card holders, who can
18. Aadhaar based e-KYC –$DGKDDUEDVHGH.<&VROXWLRQLV
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VROXWLRQ RIIHUV DQ HOHFWURQLF SDSHUOHVV .<& YHULÀFDWLRQ
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along with enhanced security and credibility for Proof of
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channel. Besides this, customer can also block the card and
set his spending limit within the sanctioned limit.
13. Bharat QR –$TXLFNUHVSRQVHFRGHOLNH'EDUFRGHXVHGWR
provide easy access to information through a smart phone is
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merchant by the acquirer bank and it contains the details of
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14. Talking ATMs - The Bank has pioneered the concept of
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as well as physically challenged persons on wheelchair to
handle their transactions on voice guidance and hence
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15. IRCTC Union Bank Virtual Prepaid card - The card is
generated online and all details of the card viz. card no, PIN
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details of the card can be used by the customer to book
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19. Virtualization and Cloud Computing – Bank has set up
hyper-convergedon-premise Private Cloud with enhanced
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be dynamically allocated among applications for better
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and security management. It also aids in reducing carbon
footprint which clearly indicates Bank’s strict commitment
towards a sustainable environment.
20. Toggle for Debit card – Bank has introduced functionality
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debit card which is additional security feature to safeguard
the debit card against any misuse. User can also set the
withdrawal limit of debit card using this functionality.
21. Cyber Security Operations Centre (CSOC): Cyber-attacks
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to prevent any kind of cyber-attack and to safeguard the
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virtual card, it does not involve printing of plastics and also 6HFXULW\ ,QIRUPDWLRQ DQG (YHQW 0DQDJHPHQW 6,(0 :HE
generation of paper PIN. $SSOLFDWLRQ )LUHZDOO :$) 1HWZRUN %HKDYLRU $QRPDO\
16. NPA Recovery Application- 8QLRQ5HFRYHU\$SSKHOSVVWDII 'HWHFWLRQ 1%$' 3ULYLOHJH ,GHQWLW\ 0DQDJHPHQW 3,0
PHPEHUVDQGUHFRYHU\DJHQWVWRORJ13$UHFRYHU\ÀHOGYLVLW $GYDQFHG 3HUVLVWHQW 7KUHDW $37 'HFR\ 9XOQHUDELOLW\
QRWHVLQDQHDV\HIIHFWLYHDQGHIÀFLHQWPDQQHU7KLVPRELOH 0DQDJHPHQW0RELOH7KUHDW3URWHFWLRQ073$QWLSKLVKLQJ
DSSOLFDWLRQ IDFLOLWDWHV WKH ÀHOG IXQFWLRQDULHV RI WKH %DQN WR services etc.
update, track and monitor loan portfolio of the respective
22. LENDperfect mobile application for Agri-loans:
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/(1'SHUIHFW LV WDEEDVHG DSSOLFDWLRQ GHVLJQHG IRU
all the relevant loans with complete demographic details,
capturing details for the agricultural based loans. It is being
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utilized by the Bank staff for on-the-spot documentation
visit details. This is user friendly application which assists
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loans, required documents etc which are attached to a
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VLQJOHSURÀOHFUHDWHGZLWKLQWKHWDEDSSOLFDWLRQ7KLVKHOSV
thus helping in better time management.
the Bank to track and identify if a prospective customer has
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allows Bank to cater to the needs of its customers in a
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applications to provide an end to end customer 3600 view
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with Bank. It also helps in customer grievance redressal and
related to that customer will be available in one single unit in
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their creditworthiness.
23. Integration with Haryana Urban Development Authority
(HUDA):6XFFHVVIXOO\LQWHJUDWHGYDULRXV&KDOODQVLVVXHGE\
addressing service requests. Bank has won “Best Customer +DU\DQD8UEDQ'HYHORSPHQW$XWKRULW\+8'$ZLWK%DQN·V
6HUYLFH ,QQRYDWLRQµ DZDUG IURP 0V ,QIRV\V /WG IRU WKLV &%6V\VWHPLQRUGHUWRJHQHUDWHHUHFHLSWFRQÀUPDWLRQIURP
application. +8'$ VHUYHU SRVW FKDOODQ VXEPLVVLRQ LQ %UDQFKHV ZKLFK

Annual Report 2017-2018 299

 GLUHFWO\ VHQGV FRQÀUPDWLRQWR +8'$ VHUYHU IRU JHQHUDWLRQ
of e-receipts without any manual intervention.
24. Panch-Parmeshwar Portal (Panchayat Raj Directorate,
Govt. of Madhya Pradesh): Bank has successfully
30. Union Bio Tech - This product has been designed to
promote tissue culture technology and poly houses in the
country.
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integrated with Panch-Parmeshwar Portal (Panchayat 6PDOODQG0HGLXP060(V
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advisories, thus, eliminating any manual intervention. EXWDOVRRIIHUVUHPLWWDQFHIDFLOLWLHVYL]1()7WKURXJK$70
Paperless payments are done directly in the accounts of
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eradicates the possibility of having garbage data, untimely
submission of status reports and accountability. It is digitally
signed secured Payment.
25. Digitization of Processes: To bring more products under
digital platform, for ease of doing business and increasing
volumes, as a step towards Responsive Banking.
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online mode.
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Contribution through online mode.
26. Various measures have been taken for digitization of
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facility through which a prospect can open his/her savings
account by visiting the Bank’s website.
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of India for upliftment of poor Women in country through
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to provide loans to farmers to install solar water pumping
systems to harness solar energy for pumping water by
water pump, solar water heating systems with necessary
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e-Cash: a mobile based funds transfer which facilitates
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authentication. The Bank has a laid down policy for the
disposal of old records after perforation and subsequently
sending the same for re-cycling.
The percentage of recycling of product and waste falls
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consumables through locally based suppliers. The Bank’s
commitment to small and micro enterprises is enshrined in
a code of commitment to the segment which ensures easy,
speedy and transparent access to banking services in their
daily operations and in tLPHVRIÀQDQFLDOGLIÀFXOW\WRWKHXQLW
Union Bank of India launches Contactless Debit Cards
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waving the card near the merchant terminal in lieu of dipping
or swiping the card. In terms of features, the card comprises
both Chip and antenna embedded in it, which enables
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as per their convenience. Contactless card has the unique
proposition of one card for all payments, eliminating the
requirement of carrying separate cards for transit payments
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loads. payments as well as normal day to day retail payments

300 Annual Report 2017-2018

 Union Bank of India launches Union Sahyog App for
its customers
UNION BANK DRIVES HI-END TRANSFORMATION THROUGH
HANDS-ON DIGITIZATION
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bring entire customer facing banking on the mobile.
HR INITIATIVES
Union Bank of India believes a trained, motivated and productive
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has taken many proactive steps in improving or ganizational
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is attracting young talents which are being mentored by the
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Union Bank customers and others on their mobile devices.
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too.
Union Bank of India launches
new e-comfort Lobby at Nariman Point
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the same.
2. Bank has initiated succession planning for critical roles
and is in the process of building leadership pipeline.
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etc., has greatly enhanced employee satisfaction.
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employee grievances is helping in narrowing down the
friction in employee relations. Union Bank of India is the
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portal. The issues raised in this platform are addressed on
real time basis.
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and equipping such future leaders to take the bank to the
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employees engaged, competitive and contended.
WORK-LIFE BALANCE
There are several initiatives undertaken by the Bank to promote
work-life balance for Union Bank of India employees and makes
every effort to establish employee connect and employee
satisfaction. The Bank has an attractive Promotion Policy
including Fast Track Promotion to take care of meritorious
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occasion of launch of new e-comfort lobby at Nariman Point, movement for employees in the Bank.
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Principle 3 – Employee Welfare
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people work in an organization where performance is aligned
with values. Bank is an agile and diverse organization, with
people motivated to doing good while doing well.
Annual Report 2017-2018
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to its employees so that they are able to maintain a good work-life
balance. The care of the medical requirements of its employees
is undertaken through a hospitalization scheme with a tie-up
arrangement with many hospitals across the country. The Bank
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viz. canteen subsidy HGXFDWLRQ PHGLFDO  KRVSLWDOL]DWLRQ
retired employees and other welfare measures.
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8922 were women employees and 869 were employees with
disabilities.
Union Bank of India celebrates International Women’s Day
Mumbai, March 08, 2018 : Union Bank of India celebrated
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Industry Level Wage Settlement
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through a process of collective bargaining and negotiated
settlement of demands. This wage revision is valid for a period
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in progress.
Union Bank of India wins Golden Peacock
HR Excellence Award
Mumbai - February 9, 2018: Union Bank of India won the Golden
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the employees marked the event.
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India at a glittering function held at Bengaluru.
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Respect for Human Rights:
The Bank is committed to respecting and upholding human
rights in all areas of its opera-tions and within its sphere of
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adequate grievance redressal mechanism to address any related
concerns. The Bank also respects the right of its employees to
form groups/associations and collectively voice their concerns.
There are several employee associations out of which the Bank
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Welfare of SC/ST Employees
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issues concerning their welfare.
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Justice M.N.Venkatachaliah, Padma Vibhu-shan, National
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Justice of India.
Training and Employees’ Skill Development
Training in Union Bank is a bank-wide responsibility managed
with a sense of total commitment by the top management to meet
the needs of its multi-channel service outlets and the employees
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acquiring contemporary knowledge, continuous re skilling and
up skilling activities and attitudinal improvements. The Training
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continuous learning for the development of the individual and
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and to match it with the organizational needs is one of the
strong features of Bank’s training system. The training needs
are assessed and catered for all employee cadres’ right from a
house keeping sWDIIWRD7RS([HFXWLYH7KH%DQNLVFRPPLWWHGWR
Annual Report 2017-2018
ensure that the staff members are competent in basic work skills
and knowledge of their individual responsibilities. The training
needs in the entire organizational life cycle of an employee
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college at Bangalore and 8 training Centres located across
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SECURE WORKPLACE
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Bank and other subsidiaries are communicated on the various
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the emerging demands, programs are conducted at various
regional locations depending on the organizational need. With
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VWDIIPHPEHUVDUHDOVRGHSXWHGIRURYHUVHDVWUDLQLQJ'XULQJ)<
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Union Bhavishya: Capacity building is an ongoing process
through which individuals, groups, organizations and societies
enhance their ability to identify and meet development challenges.
It also aims at understanding the obstacles that inhibit people
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training and equipping such future leaders to take the bank to
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features of program are as under:
1. To empower employees and make them future ready to
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OHDGHUVWRFUHDWHDGHVLUHWRH[FHODQGWDNHXSRZQHUVKLS UHFHLYHGDUHGHDOWDVSHUEDQNLQJUHJXODWLRQV'XULQJWKH\HDU
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equipping themselves with deep functional skills, making
them more effective in current roles and ready-ing them for
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e-mailer articles and other means of communication regularly.
FREEDOM OF ASSOCIATION, PARTICIPATION AND
COLLECTIVE BARGAINING
Bank follows the principle of freedom of association and right to
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The human rights practices of Bank assure respect for the right
of employees to freedom of association and recognition of
employees’ rights to collective bargaining, where allowable by
law.
GRIEVANCE REDRESSAL
Bank has clearly spelt out guidelines to prevent use of child
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harassment in its own operation as also for its business partners
/ suppliers.
The Bank Policies provide mechanism for reporting of such
issues. The Bank has provided a dedicated e-mail address to
which all complaints can be sent. The privacy of the complainant
is always protected. The Bank has put in place systems and
mechanisms to ensure non-retaliation and non-victimization of
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there have been no complaints alleging child labour, forced
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employment.
Principle 4 – Stakeholder Engagement
it helps the Bank to deliver its commitments and succeed as a
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6. Buildleaders of the future.
EQUAL OPPORTUNITY OF EMPLOYMENT
For recruitment of management and supervisory staff /
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levels for these. For recruitment of skilled as well as unskilled
labour, the guidelines specify merit-based approach for selection
of candidates. Bank has a sharp focus on gender diversity.
Annual Report 2017-2018
business. Bank actively engages with stakeholders groups such
as customers, shareholders, investors, employees, media and
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and promoters Regulatory bodies etc. The Bank continues to PDQDJHPHQWDQGHPSOR\HHVZLWKWKHREMHFWLYHRIFUHDWLQJ
formally or informally engage with almost all of its stakeholders oneness among the staff members and also stimulating
using a host of communication channels. WKHLU GXWLHV OR\DOW\ DQG FUHDWLYLW\ 8QLRQ 'KDUD KDV EHHQ
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disadvantaged, vulnerable or marginalized and strives to provide &RPPXQLFDWRUVRI,QGLD$%&,
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labour and hawkers, villagers living in backward villages etc. For
all such stakeholders, the Bank offers special products, services
and schemes, the details of which can be found on the Bank’s
corporate website.
The Bank’s key stakeholders are as follows:
Customers
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Banking, mobile banking, Call center etc. To continue the aim of
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following measures:
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is to be in constant touch with customers in order to enhance
relationship value
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the complainants to campaigners.
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services through campaigns in both the print and electronic
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feedback from staff members across the country under the
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product, process and services are collected, analyzed and
considered
Investors
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highlights of performance every quarter in prominent
newspapers.
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shareholders about the performance of the Bank.
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basis
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and Branch Communication.
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customers.
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communicate to its customers, information on the latest
product and service offerings as well as on important
other peer banks and proactively participates in various
policy formulations and industry level issues to improve the
functioning of banking industry in India.
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with the villagers and enhance the effectiveness of the
program.
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safeguards while using Internet banking and to ensure safe GLVDGYDQWDJHG YXOQHUDEOH  PDUJLQDOL]HG 6RPH RI WKHVH
and secure banking. In such meetings, the bank’s quarterly VWDNHKROGHU JURXSV LQFOXGH EXW DUH QRW OLPLWHG WR $JUL
performance is also communicated to the customers.
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replies to all customer communication and also analyses
the feedback for systemic improvements. This has helped in
bringing down the number of complaints on non-receipt of
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Care Unit also tracks the satisfaction level of the customer
with regard to the resolution of his/her complaint.
Employees
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304 Annual Report 2017-2018
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minority groups, urban labour and hawkers, villagers living in
backward villages, visually and physically challenged people
etc. For all such stakeholders, the Bank offers special products,
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The Bank is also providing schemes under social security
schemes/programs of the government such as PMJJBY,
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challenged persons to do transactions on voice guidance. The
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on wheel chair can go inside and do transactions.
Principle 5 – Respect for Human Rights
Union Bank of India upholds the principles of human rights and
fair treatment and hence conducts operations with honesty,
integrity and openness and with respect for human rights and
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Bank not only follows in letter and spirit all the guidelines,
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principles of human rights and increase general awareness of
human rights for stakeholders across the value chain. The Bank
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correspondents etc. to respect human rights of their workforce
and avoid any violation regarding the same. The Bank did not
receive any complaints regarding violation of human rights in
this reporting year.
Principle 6 – Impact on Environment
The Bank, as a responsible corporate entity is aware of its
obligations towards environ-ment. The Bank has undertaken
several initiatives to reduce its environmental footprint. It has
been adopting constant steps in order to reduce its carbon
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‡ 5DLQZDWHUKDUYHVWLQJLQ%DQN·VEXLOGLQJZKLFKKHOSVLQWKH
conservation and re-charging of ground water level.
‡ (PSOR\LQJ %XVEDU WUXQNLQJ V\VWHP WR HQVXUH VDIH DQG
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in Technology Centre, Powai Building wherein energy
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friendly gas whereas the Variable refrigerant system was
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‡ 2FFXSDQF\VHQVRUVWRUHJXODWHWKHOLJKWLQJLQFDELQV
‡ 0D[LPXPXVDJHRIGD\OLJKWE\LPSURYHPHQWWKURXJKVRPH
RIWKH¶JUHHQEXLOGLQJ·FRQFHSWV
Principle 7 – Advocacy for Public Good
Union Bank of India practices pro-active advocacy with an aim
to bring about a positive impact in the business eco-system and
communities. Proactive advocacy for Union Bank of India is not
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for industry, but is also about advocating certain best practices
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6HQLRU H[HFXWLYHV RI WKH EDQN DUH QRPLQDWHG WR YDULRXV
conditioners and non-conventional sources of power like solar
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SUHVHQWDUHQRWPHDVXUDEOH+RZHYHUWKHHIIHFWVDUHYLVLEOHLQ
the energy bills and the endeavor is to rigorously implement the
initiatives for reduction of greenhouse gas emissions.
The Bank is taking steps towards increasing its use of solar
HQHUJ\ SULPDULO\ IRU $70V KHDWLQJ UHTXLUHPHQWV LQ WKH %DQN
DVZHOODVLQWKH7UDLQLQJ&HQWHUV$LUFRQGLWLRQHUVDQGOLJKWLQJ
À[WXUHV DW XVH LQ WKH %DQN·V SUHPLVHV DUH HQHUJ\ HIÀFLHQW DQG
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FRPPLWWHHV RI 5HVHUYH %DQN RI ,QGLD 5%, ,%$ DQG RWKHU
bodies on improvement in customer service. The Bank is also
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and associations and through these platforms, such as trade
chambers and industry associations that the Bank does its
advocacy for public policy. The Bank also has a channel of
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policy on laws and regulations that affect its business and its
employees. The focus areas of the Bank for policy advocacy
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)LQDQFLDO,QFOXVLRQDQG)LQDQFLDO/LWHUDF\7KH%DQNLVDPHPEHU
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footprint. and associations
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the Bank are:
‡ ,QGLDQ,QVWLWXWHRI%DQNLQJ )LQDQFH,,%)
‡ ,QVWDOODWLRQRIHQHUJ\HIÀFLHQWV\VWHPVVXFKDV&)/ÀWWLQJV
‡ 7KH $VVRFLDWHG &KDPEHUV RI &RPPHUFH DQG
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‡ ,QVWDOODWLRQRI$LU&RQGLWLRQHUVZLWK%((FHUWLÀFDWLRQ &DU ),&&,
with CNG

Annual Report 2017-2018 305

‡ &RQIHGHUDWLRQRI,QGLDQ,QGXVWU\&,, ÀQDQFLDOOLWHUDF\DQGEDQNLQJVHUYLFHVDPRQJVWFXVWRPHUV
7LOO0DUFKLQGLYLGXDOVKDYHEHHQFRXQVHOHG
‡ %DQNLQJ&RGHVDQG6WDQGDUGV%RDUGRI,QGLD%&6%,
The Bank proactively engages with these bodies and provides
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Policy / Monetary Policy, guidelines on product pricing, various
surveys etc.
Principle 8 – Inclusive Growth
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WR ÀQDQFLDO VHUYLFHV DQG WLPHO\ DQG DGHTXDWH FUHGLW ZKHUH
in camps. 54,833 persons were brought to banking fold
by opening their accounts and facilitating them with credit
facilities.
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&DPSV WKURXJK RXU )/&&V HVSHFLDOO\ LQ .HUDOD DQG 83
apart from routine camps by Rural branches at regular
intervals.
 :H KDYH EHHQ DFFRUGHG DSSURYDO E\ 1$%$5' IRU JUDQW
needed by vulnerable groups such as the weaker sec-tions
and low income groups at an affordable cost from mainstream
ÀQDQFLDOLQVWLWXWLRQV7KH%DQNKDGGUDZQDWKUHH\HDU)LQDQFLDO
Inclusion Plan 2016-19 approved by the Board with a Vision
´7R UHDFK WKH XQUHDFKHG E\ H[WHQGLQJ ÀQDQFLDO VHUYLFHV DW DQ
DIIRUGDEOHFRVWRQDQ´RQJRLQJEDVLVµWRLPSURYHTXDOLW\RIOLIH
RI WKRVH ZKR KDYH EHHQ KLWKHUWR GHSULYHG RI ÀQDQFLDO VHUYLFHV
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2. Union Adarsh Gram Yojna (UAGY):
 $VDSDUWRILWVFRPPLWPHQWWRWKHQDWLRQWKH%DQNODXQFKHG
´8QLRQ $GDUVK *UDP <RMQDµ XQGHU LWV &RUSRUDWH 6RFLDO
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part of its Financial Inclu-sion initiatives:
‡ %DQNKDVH[WHQGHGLWVUHDFKWR18396 unbanked / marginally
banked villages by providing basic banking services
5HVSRQVLELOLW\ &65 SURMHFW E\ DGRSWLQJ  YLOODJHV
across the nation.
3. Lead Bank Scheme:
 7KH %DQN LV SURXGO\ IXOÀOOLQJ WKH /HDG EDQN UHVSRQVLELOLW\
LQ  GLVWULFWV VSUHDG RYHU  6WDWHV RI WKH FRXQWU\ ,Q
WKURXJK%XVLQHVV&RUUHVSRQGHQW%&0RGHOE\HQJDJLQJ
%DQN0LWUVLQWKHVHYLOODJHV
‡ /DNKV),FXVWRPHUV·DFFRXQWVZHUHDFTXLUHGXQGHU
%XVLQHVV&RUUHVSRQGHQW %UDQFK0RGHODQGDVXPRI,15
 FURUHV ZDV PRELOL]HG DV GHSRVLW WKURXJK WKHVH
these districts the Bank not only continuously increases
its Branches and carries on its normal banking activities
EXW DOVR ZRUNV ZLWK WKH ORFDO JRYHUQPHQW IRU WKH 'LVWULFW
&UHGLW 3ODQ ,W KHOSV PRQLWRU LWV SURJUHVV RI WKH '&3 DQG
other government sponsored schemes. The Bank also
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‡ 0LFURORDQVZHUHH[WHQGHGDVHPHUJHQF\FUHGLWDQGDOVRWR where rural youth are provided with training and skill up-
promote economic activity among the rural/urban poor. The gradation for running their micro enterprises. The Bank is
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‡ 7KH%DQNKDVDWLHXSZLWK6UL.VKHWUD'KDUPDVWKDOD5XUDO
'HYHORSPHQW 3URMHFW 6.'5'3 D 1*2 IRU ÀQDQFLQJ RI
6HOI +HOS *URXS 6+*V LQ .DUQDWDND  .HUDOD 6+*V DUH
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presently implemented in Belgaum, Bangalore, Mangalore
4. Pradhan Mantri Jan Dhan Yojana (PMJDY)
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The Government of India launched India’s largest Financial
1. Financial Literacy:
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'LVWULFWVDORQJZLWKLQ1RQ/HDG'LVWULFWVDWRWDORI 6HUYLFHVWRDOOKRXVHKROGVLQWKHFRXQWU\7KHSURJUDPPH
village camps were organized to create awareness about FRQVLVWV RI DQ LQWHJUDWHG DSSURDFK XVLQJ VL[ SLOODUV

306 Annual Report 2017-2018

 8QLYHUVDO DFFHVV %DVLF %DQNLQJ $FFRXQWV ZLWK RYHUGUDIW
IDFLOLW\$FFLGHQW,QVXUDQFHDQG5XSD\'HELW&DUG)LQDQFLDO
/LWHUDF\ &UHGLW *XDUDQWHH )XQG 0LFUR )LQDQFH DQG ODVWO\
unorganized sector pension schemes. These pillars are to
be implemented in two phases.
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universal access to Banking Facilities with opening of Basic
%DQNLQJ $FFRXQW IRU 6DYLQJ UHPLWWDQFH DQG 5XSD\ 'HELW
&DUGZLWKLQEXLOWDFFLGHQWDOLQVXUDQFHFRYHURI,15/DF,W
DOVRLQYROYHVXQGHUWDNLQJRI)LQDQFLDO/LWHUDF\
Major highlights of our performance under PMJDY
1 Total Villages covered 18,396
 (DFh camp had participation of about 250-300 women
and the duration of each camp was about 4 hours. The
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SOD\VSRVWHUV)$4VHWFDQGZHUHFRQGXFWHGE\WUDLQHG
SHUVRQDO RI ,60: 7KH SDUWLFLSDQWV ZHUH DOVR SURYLGHG
some handbooks.
Rural Self Employment Training Institute (RSETI): Bank has
HVWDEOLVKHG  56(7,V LQ  'LVWULFWV RI WKH FRXQWU\ ZKHUH WKH
%DQN KDV /HDG %DQN UHVSRQVLELOLW\  &XUUHQWO\ %DQN·V 56(7,V
are functioning at
‡  $]DPJDUK %KDGRKL &KDQGDXOL *KD]LSXU -DXQSXU 0DX
9DUDQDVL8WWDU3UDGHVK
‡ .KDJDULD6DPDVWLSXU%LKDU
2 6XE6HUYLFH$UHDV66$V  ‡ 5HZD6LGKL 6LQJUDXOL0DGK\D3UDGHVK
3 Urban Wards 2581 ‡ (UQDNXODP,GXNNL.HUDOD
4 7RWDO+RXVHKROGV6XUYH\HG /DFV ‡ 56(7,V KDYH EHHQ HVWDEOLVKHG ZLWK WKH REMHFWLYHV RI
5 ZZD5XUDO+RXVHKROGV /DFV providing intensive short-term residential self-employment
6 E8UEDQ+RXVHKROGV /DFV training programmes with free food and accommodation to
st
rural youth for taking up self employment initiatives.
Performance as of 31 March 2018
‡ $VRI0DUFKWRWDOQXPEHURIFDQGLGDWHVWUDLQHGLQRXU
 $FFRXQWVRSHQHGDVRQVW0DUFK /DFV
56(7,VLVRXWRIZKLFKFDQGLGDWHVKDYHEHHQ
8 Rupay Cards issued as on 31st March 2018 /DFV VHWWOHGZLWKVHWWOHPHQWUDWHRI
9 Balance in accounts as on 31st March 2018 1930.64 Crores
‡  $V SHU DVVHVVPHQW RI WKH 0LQLVWU\ RI 5XUDO 'HYHORSPHQW
10 $FFRXQWV RSHQHG XQGHU (.<& XQGHU /DFV GXULQJ)<RXWRIRXU56(7,V56(7,VUHFHLYHG
30-'< ´$$µ JUDGH  56(7,V UHFHLYHG ´$%µ JUDGH   56(7,
5. Financial Literacy: UHFHLYHG´%%µ

The Bank has been undertaking various activities for Self Help Groups:
VSUHDGLQJ DZDUHQHVV DERXW 30-'< WKURXJK LWV  )/& ‡ 7KH VFKHPH RI PLFUR FUHGLW WKURXJK 6HOI +HOS *URXSV
Centers and Rural Branches. The Bank has published
comic books as well as posters and other reading materials.
Union bank of India launched a unique initiative in this
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literacy camps in eastern Uttar Pradesh in collaboration with
‡
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poor by creating self employment opportunities and making
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OLQNHG/DF6+*V$VRI0DUFKRXWVWDQGLQJORDQV
WR6+*VVWRRGDW5V5VFURUH
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,QGLDQ6FKRRORI0LFUR)LQDQFHIRU:RPHQ,60:,QWKHVH
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‡
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7KH %DQN LV DOVR LPSOHPHQWLQJ WKH LQWHUHVW VXEYHQWLRQ
 8VHDQGEHQHÀWVRIKDYLQJ5XSD\FDUG scheme under National Rural
 $DGKDDU&DUGOLQNDJHDQGEHQHÀWV  /LYHOLKRRG 0LVVLRQ 15/0 IRU WKH EHQHÀW RI :RPHQ 6HOI
+HOS*URXSVLQLGHQWLÀHG'LVWULFWV
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6. Pradhan Mantri Mudra Yojana (PMMY):
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‡ 8QGHU 300< RXU %DQN H[WHQGV ÀQDQFH WR WKH PLFUR
 ,QIRUPDWLRQ·VRQ6DYLQJVERUURZLQJVDQGKLJKFRVWGHEW
enterprises which are in the business of manufacturing,
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Annual Report 2017-2018 

‡ 30 08'5$ <RMDQD RSHQV GRRU WR YDULRXV QHZ  H[LVWLQJ Position of Social Security Schemes as on 31st Mar, 2018
entrepreneurs to avail credit from banking channel. This
Scheme Name Male Female Total
leads to increased customer base for credit to the bank.
Customer Customer Enroll-
‡ Position of Mudra Loan as on 31.03.2018. ments
 $PWLQ&U
$WDO3HQVLRQ<RMQD 214232  316411
Loan Sanctioned Disbursed Pradhan Mantri Jeevan  480905 1266383
Category %HHPD<RMQD
A/Cs Amount A/Cs Amount
Pradhan Mantri 1698233  
6KLVKX 41160  41160 143.46 6XUDNVKD%HHPD<RMQD
.LVKRUH 128058 2654.85 128058 2408.48 Total 2697943 1755243 4453186
Tarun 15919 1191.2 15919 1041.53

Total 185137 4008.42 185137 3593.47

7. PHASE II OF PMJDY

 7KHVHFRQGSKDVHRI30-'<LQYROYHVWKHIROORZLQJ

 ‡ 2YHUGUDIWIDFLOLW\RIXSWR,15DIWHUVL[PRQWKVRI
satisfactory performance of saving / credit history.

 ‡ 0LFUR²,QVXUDQFH

The Bank has disbursed overdraft for `170.13 lakhs Performance under Stand up India Scheme as of 31.03.2018:

in 7277 DFFRXQWVXQGHU30-'<DVRQVW0DU S CATEGORY Since 01.04.2017 to 31.03.2018

%DQN KDV PDGH 2' XQGHU 30-'< IDFLOLW\ DYDLODEOH No
6DQFWLRQHG 'LVEXUVPHQW
WKURXJK $70 DQG 606 FKDQQHOV DOVR 7KH %DQN ZLOO
1RRI$F $PRXQW $PRXQW
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and under privileged through the following three social 1 6&2QO\0DOH 15 224.26 
security schemes. 2 672QO\0DOH 0 0.00 0.00
3 Woman 332 6880.11 
 ‡ Pradhan Mantri Suraksha Bima Yojana [PMSBY]: (QWUHSUHQHXUV
,W ZLOO FRYHU DFFLGHQWDO GHDWK ULVN RI ,15  /DFV IRU D
Total   6131.58
nominal premium of INR 12 per year for age group 18-
\HDUV 6 w/w
Minority 50  
 ‡ Pradhan Mantri Jeevanjyoti Bima Yojana [PMJBY]:
 'LUHFW %HQHÀW 7UDQVIHU '%7'LUHFW %HQHÀW 7UDQVIHU
It will cover natural and accidental death risk of INR 2
LPG (DBTL):
/DFV7KH\HDUO\SUHPLXPZLOOEH,15,WLVIRUDJH
 ,Q 'LUHFW %HQHÀW 7UDQVIHU '%7 RXU EDQN KDV SUHVHQFH
group 18-50 years. in 113 districts. The Government of India has launched 43
YDULRXV 6FKHPHV XQGHU '%7 DQG WKH IXQG UHFHLYHG IURP
 ‡ Atal Pension Yojana [APY]: The scheme will provide *RYHUQPHQW LV FUHGLWHG GLUHFWO\ WR EHQHÀFLDULHV· DFFRXQWV
DVVXEVLG\EHQHÀWV
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amount and period of contribution for age group 18-40 The disbursement under the scheme up to 31st March 2018
is as under:
years.

308 Annual Report 2017-2018

The disbursement under the scheme up to 31st March 2018 is as under:

Transaction Initiated at Union Bank branches Credit received from other

Banks

Period Total Records Amt ` in lacs Success Amt ` in lacs Records Amt ` in lacs
received as Records received as
Sponsor Bank Destination
Bank
FY 2014-15 18133  15106  4331948 16230.15
FY 2015-16 36839  15208 552.12 22035238 53330.33
)< 33492  26044  29160282 
FY 2017-18 162801 18462.01 152689 17353.68 40872020 165518.53

Sponsor Bank:$VWKH6SRQVRU%DQNZHDUHUHFHLYLQJOLVWRIEHQHÀFLDULHVDORQJZLWKDPRXQWWREHFUHGLWHGIURPWKH*RYWZKLFK
ZHDUHXSORDGLQJWR13&,VHUYHUIURPZKLFKLWJHWVVHSDUDWHG%DQNZLVHIRUFUHGLWLQJDWWKHLUHQGDVD'HVWLQDWLRQ%DQN
Destination Bank:$VD'HVWLQDWLRQ%DQNZHDUHUHFHLYLQJ%DQNZLVHVHSDUDWHGÀOHVIURP13&,FRQWDLQLQJOLVWRIEHQHÀFLDULHV
of our Bank along with the amount for crediting to their accounts.
Commission:2XU%DQNKDVUHFHLYHGLQFRPHFRPPLVVLRQRI`ODNKIRUWUDQVDFWLRQVLQLWLDWHGXQGHU'%7'%7/GXULQJ
$SULO·WR0DUFK·
 ,,%)&HUWLÀFDWLRQ &DSDFLW\%XLOGLQJRI%DQN0LWUV
 ,QGLDQ%DQNV$VVRFLDWLRQYLGHOHWWHUQR6%&%&'DWHGLQVWUXFWHGDOO%DQNVIRUWUDLQLQJDQGFHUWLÀFDWLRQRI
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%DQN0LWUVDUH,,%)&HUWLÀHG
 %DQNKDVFRPSOHWHGWUDLQLQJRIUHPDLQLQJ%DQN0LWUVWKURXJK0V&58;0DQDJHPHQW6HUYLFHVRIH[SHQVHVDUH
UHLPEXUVHGE\1$%$5'XQGHU),)EDODQFHERUQHE\%DQN
10. Position of Aadhaar Seeding:
 7KHSURJUHVVRISRVLWLRQRI$DGKDDUVHHGLQJDVRQLVDVXQGHU

No of CASA Operative A/ Aadhaar Aadhaar Operative Mobile Mobile seeded

cs Excl. Small A/cs & 3 seeded A/cs Seeding % Saving A/cs Seeded A/cs A/cs %
Position states (J & K, Assam &
as on Meghalaya)
     

March 2018    33852604 25645522 

+RZHYHUSRVLWLRQRI$DGKDDUVHHGHGLQ30-'<$FFRXQWVDVRQLVDVXQGHU:
Bank No of PMJDY A/Cs Aadhaar Seeded A/Cs % Aadhar Seeding
Union Bank 86.22 lakh /DNK 

New Initiatives during the year: 2017-18

 Aadhaar Enrollment Centre: $VSHU8,'$,JXLGHOLQHVDOOFRPPHUFLDOEDQNVKDYHEHHQLQVWUXFWHGE\8,'$,WRRSHQ$DGKDDU
(QUROOPHQW&HQWUHLQRI%DQN%UDQFKHV$FFRUGLQJO\ZHKDYHSURSRVHGWRRSHQ$DGKDDU(QUROPHQW&HQWUHLQ%UDQFKHV
DFURVV,QGLD$WSUHVHQW%DQN%UDQFKHVDUHDFWLYDWHGIRUHQUROOLQJ$DGKDDU
 Financial Literacy Initiatives: 2XU EDQN KDV HVWDEOLVKHG  )/&V FHQWHUV LQ DOO  /HDG 'LVWULFWV DORQJ ZLWK IHZ 1RQ /HDG
'LVWULFWVRI.HUDOD6WDWHDWRWDORIYLOODJHFDPSVZHUHRUJDQL]HGWRFUHDWHDZDUHQHVVDERXWÀQDQFLDO GLJLWDOOLWHUDF\DQG
EDQNLQJVHUYLFHVDPRQJVWFXVWRPHUV7LOO0DUFKLQGLYLGXDOVKDYHEHHQFRXQVHOHGLQFDPSVSHUVRQV
were brought to banking fold by opening their accounts and facilitating them with credit facilities.
 Going Digital Camps:5XUDO%UDQFKHVKDYHFRQGXFWHG*RLQJ'LJLWDO&DPSVDQGRXU)/&VKDYHFRQGXFWHG*RLQJ
'LJLWDO&DPps so far.

Annual Report 2017-2018 309

 (PSDQHOPHQW RI &RUSRUDWH %XVLQHVV &RUUHVSRQGHQWV EDVLV7KHFRPPLWWHHLV+HDGHGE\0' &(2ZLWK([HFXWLYH
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enable us to create competition between Corporate BCs for KRIWKHDFW DQG2QH6KDUHKROGHU'LUHFWRUHOHFWHGXQGHU
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Mitr points. It is new non-interest income source to our bank. $FW

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WKHUHE\RXUH[SHQGLWXUHRQ%DQN0LWUUHPXQHUDWLRQZLOO segments, Bank is focusing on assistance mainly in the following
also decreased. activities:-

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associated with it. WUDLQLQJ SURJUDP ´3UDJQD SOXVµ IRU FKLOGUHQ RI  VFKRROV DW
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SKDVH,WZLOOUHGXFHEDQNVFDSLWDO UHFXUULQJPDLQWHQDQFH SURMHFWZDVYLVLWHGE\'LVW*RYW$XWKRULWLHVDQGDSSUDLVHGDORW
H[SHQGLWXUHRQ0LFUR$70V for the program.

 1RZ WKHUH DUH WKUHH RSWLRQV LH :HE .LRVN 0LFUR $70 
Mobile based application available to Bank Mitrs for doing
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The CSR activities undertaken by the Bank:

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commitments. Towards this Bank has established Union Bank
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of the Bank are being carried out through the trust. Its Board is
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directors as Vice Chairman Trustees, other trustees including
Bank’s General Managers and one independent trustee. Board
provides directions in accordance with Bank’s thrust areas and Before After

XQGHUWDNHVUHYLHZHYHU\TXDUWHU7KHGLUHFWLRQVDUHH[HFXWHGE\ Community Welfare:

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8%6)7 KDV VXSSRUWHG WKH VHWWLQJ XS RI FRPPXQLW\ KDOO LQ WKH
%DQN KDV DOVR IRUPHG &65 FRPPLWWHH DW LWV DSH[ OHYHO WR .XUXPDQGGDOL3DQFKD\DWXQGHU9LMD\DZDGD6HHQLQWKHSLFWXUH
PRQLWRUVWKH&65DFWLYLW\RIEDQNDVZHOODV8%6)7RQTXDUWHUO\ Central Vigilance commissioner inaugurating the building

310 Annual Report 2017-2018

Distribution of Blankets in the cold affected area of north
Bihar:
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6DPDVWLSXUGLVWULEXWLQJWKH%ODQNHW
Sanitation
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is in progress, seen in the picture some of the completed toilet.
The foundation has helped in construction of more than 500
individual/ community toilets within which 83 sets of toilets hve
been constructed in Girls schools.
Skill Development:
3DUDPHGLFV ODE 6XSSRUW RI 5V ODNKV ZDV JLYHQ
WR &HQWXULRQ 8QLYHUVLW\ RI 7HFKQRORJ\  0DQDJHPHQW DW
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economic backward area are being free of cost training for
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are taking training on dummy bodies.
Digi Class room: UBSFT helped in establishment of digital
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.DUQDWDND 6HHQ LQ WKH SLFWXUH 0'  &(2 LQDXJXUDWLQJ WKH
digital class room.

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Mumbai Railway station with a child care unit inaugurated by DVVRFLDWLRQ IRU %OLQGV ,QGLD LQ WKHLU GLJLWDO /LEUDU\ SURMHFW IRU
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number of commuters every day. KDV DOVR KHOSHG 1$% LQ IUHH GLVWULEXWLRQ RI %UDLOOH NLW WR WKHLU
students.

Annual Report 2017-2018 311

8%6)7 DOVR VXSSRUWHG VW ÁRRU FODVV URRP FRQVWUXFWLRQ RI AWARDS & ACCOLADES RECEIVED DURING THE YEAR
&KHWQD)RXQGDWLRQ.DUNDOD.DUQDWDND6HHQLQWKHSLFWXUH0' 2017-18
&(2ZLWKVWXGHQWRI&KHWQD)RXQGDWLRQ i. Indian Bank’s Association (IBA) Banking Technology
Awards
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ii. IDRBT Banking Technology Excellence Awards
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iii. SKOCH Order of Merit Awards
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Sector wise approval & Disbursements:-
iv. Awards & Accolades received during the year by
Governance Now
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vi. PFRDA Awards: Union Bank bagged three awards from
PFRDA, for their following Campaigns under PSU Banks
category on 14.09.2017;
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312 Annual Report 2017-2018

 'HFHPEHU  )RU 7DUJHW DFKLHYHPHQW E\ KLJKHVW Vigilance Awareness Week:
QXPEHURI32363V 9LJLODQFH$ZDUHQHVV:HHNXQGHUWKHWKHPH“My Vision
‡ QG 3UL]H LQ ´/,)(µ6 */25< ´ ´FDPSDLJQ FRQGXFWHG E\ : Corruption free India” ZDV REVHUYHG LQ D EHÀWWLQJ PDQQHU
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spread awareness for eradicating corruption among the general
public and youth of India.
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The programmes were conducted all over the country at various
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'HFHPEHU  )RU DFKLHYLQJ WKH 7DUJHW E\ KLJKHVW  Narendra Modi’s adopted villages of Nagepur and Jayapur in
DPRQJFRPSHWLQJ32363V Varanasi.
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DFKLHYLQJWKHKLJKHVWQRRI136DFFRXQWV out of which 4353 events in Union Bank of India and 834 events
OTHER SOCIAL EVENTS:
Union Bank of India celebrates 99th Foundation Day
((Seen in the Photograph is Shri Vinod Kathuria,
Executive Director, Union Bank of India, along with Life
Time Achievement Awardees who were felicitated by the
Bank on the occasion of Bank’s 99th Foundation Day
Event held at Nehru Centre, Mumbai.)
Union Bank of India today celebrated its 99th Foundation
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esteemed clients of the Bank.
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conducted. The events are captured in the form of photographs
and video clippings. Wide publicity was given through the media
by publishing articles and photographs in the newspapers and
also through digital media.
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/ Financial Counselling Cen-ters during the Vigilance
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anti-corruption and preventive vigilance measures.
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issues relating to anti-corruption were conducted at all our
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is to inculcate habit of self discipline through scrupulous
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circulated on daily basis in a simple and lucid manner for
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electronic screens.
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1. Details of outreach activities conducted for general
3. Gundecha Brothers - Music
public / citizens are as under:
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DQG ,QWUDQHW 8%,1(7 ZKLFK HQDEled around 4,00,000

Annual Report 2017-2018 313

 FXVWRPHUV RI WKH %DQN  FLWL]HQV  DQG  VWDII
members to take the Integrity Pledge during the Vigilance FUNCTION AT CENTRAL OFFICE
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corruption and vigilance awareness among the public.
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prepared by the students. Vigilance awareness functions
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IRRG %ORRG 'RQDWLRQ &DPSV ZHUH DOVR RUJDQL]HG 7UHH
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AHMEDABAD – COMPETITIONS IN SCHOOL
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activities like meetings, competitions, melas, evening
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at least 3 colleges and 2 schools in 12 cities / towns for the
Bank. We are pleased to advise that the Bank has conducted
quiz competitions, debates, drawing competitions, elocution
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locations and other locations across the country to spread
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students participated.
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Club’ in schools and colleges were to be established and
we are glad to inform you that we formed 48 Integrity Clubs
in various cities / towns with an active and enthusiastic
participation of around 960 students.
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branches, out of which 390 rural and semi-urban branches
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number of participants was 50,800. They have organized
various types of activities viz. meetings, competitions,
melas, evening choupals, quiz competition, elocution,
rangoli making etc.

314 Annual Report 2017-2018

 NAGPUR – VIGITHON – RUN AGAINST SALEM – INTEGRITY PLEDGE BY WOMEN SHG
CORRUPTION

KOLHAPUR – INTEGRITY CLUB IN SCHOOL BHOPAL – INTEGRITY PLEDGE AND PROGRAMME

IN SCHOOL

CHENNAI – INTEGRITY CLUB IN SCHOOL GWALIOR – RALLY AGAINST CORRUPTION

Annual Report 2017-2018 315

 CHANDIGARH – VIGILANCE AWARENESS BHUBANESWAR – MUDRA CAMP ALONGWITH
WORKSHOP VIGILANCE AWARENESS CAMP

LUDHIANA – VIGILANCE AWARENESS STALL / SAMASTIPUR – INTEGRITY PLEDGE IN SCHOOL

CAMP IN AN EXHIBITION

GUWAHATI – CULTURAL PROGRAMME ON THEME MEERUT – AWARENESS PROGRAMME IN SCHOOL

OF CORRUPTION FREE INDIA / COLLEGE

316 Annual Report 2017-2018

AZAMGARH – COMPETITIONS IN SCHOOL WHISTLE BLOWER POLICY

GORAKHPUR – BLOOD DONATION CAMP

Principle 9 – Customer Focus
The Bank strictly adheres to the principles indicated by the
VARANASI – COMPETITIONS IN SCHOOL
INTEGRITY CLUB IN SCHOOLS
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proceedings and an effective customer redressal mechanism.
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Building a world class Customer Care Unit:
With a view to address customer grievances in an effective and
timely manner, as well as creating a nodal agency for ensuring
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grievances, the Customer Care Unit was set up.
Architecture of the Customer Care Unit:
The Customer Care Unit at the Bank has been designed to meet
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1. Respond to requests in a fast, reliable and consistent way
 6ROYHURRWFDXVHVRIUHTXHVWVDQGFRPSODLQWVVHWWLQJXSD
continuous improvement process to reduce the volume of
requests and complaints received by the Bank
3. Generate information to obtain better insights regarding the
customer
Project ‘Utkarsh’
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improved em-ployee productivity.
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undertaken by the Bank:
1. UnionXperience: Revamping operating model and
organizational structure of retail branches
2. Union Loan Points: Create specialized retail loan
processing and acquisition unit in the form
3. SARAL: (VWDEOLVK LQGHSHQGHQW EHVWLQFODVV 060(
processing units
4. Business Analytics Center:+DUQHVVWKHSRZHURIGDWDDQG
analytics to improve cross sell
5. Digital Channel: 0D[LPL]H SHUIRUPDQFH DQG UHWXUQV IURP
Multi-channelHJ$70LQWHUQHWPRELOH
6. Improved HR practices and employee processes through
key initiatives like Shared Service Center, Succession
planning, Employee enrichment and en-gagement
programs

Annual Report 2017-2018 

Business Process Transformation +XEV  DUH Centralized Processing Centre(designated as
Bank has taken several initiatives under Business Process
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Xperience branches and 13000+ employees. It also covers
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and tie-ups with Company’s value chains in this space.
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ORDQVRXWRI be set up in a phased manner. The Bank would also
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points for receipt and payment of business transaction
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as partners for rural and semi urban customers. The Bank
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swiftly advanced into developing predictive modeling for
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across all the key metrics OLQNHG WR REMHFWLYHV RI WKH SURMHFW
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Other Initiatives taken to improve Customer Service:
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cash but recently, 3 remittance products were launched
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IXQG LQFRPH WD[ SD\PHQW DQG PRELOH WRS XS DV RWKHU
SURGXFW IHDWXUHV WKURXJK $70 DQG KHQFH KDYH EHHQ
named as Sampoorna ATM.
2. Centralization of non-customer facing liabilities activities to
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over baseline.
3.
With the evolving landscape, it was necessary that the Bank
shifts its gear to a robust centralized processing business model
thereby enhancing its credit underwriting quality, limit risks,
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HDVHRIGRLQJEDQNLQJWRHQKDQFHFXVWRPHUH[SHULHQFHDQGVHW
up a robust acquisition engine to propel Bank’s business growth.
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re-engineering, Bank has taken the following key structural
transformation initiatives LQ WKH 3URMHFW 8WNDUVK GXULQJ )<

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Union DigiGaon: 3RVW GHPRQHWL]DWLRQ RI ROG 5V  
Rs.1000 Bank notes, Union Bank of India proactively
decided to educate and promote various digital transactions
among public at large by delivery and spreading digital
banking awareness. To spread digital banking awareness
in rural area in an effective manner, Bank adopted villages in
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by providing Bank’s digital channels of payment and
merchants acquiring transactions, spreading awareness,
educating customers/ merchants and conducting camps
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useful for rural people and economy and that too without
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being established in potential Regions and till March,
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(UQDNXODPZHUHRSHQHG
‡  SARALs:$VSDUWRIFHQWUDOL]DWLRQLQLWLDWLYHVXQGHU060(
6$5$/V ZKLFK DUH SURFHVVLQJ HQJLQHV IRU 060( ORDQV
DUH EHLQJ HVWDEOLVKHG  6$5$/6 ZHUH HVWDEOLVKHG
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‡  RUSU (Rural and Semi Urban Transformation):$QRWKHU
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semi urban landscape, the Bank has embarked upon
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any additional cost either on merchant or consumer, it
was much appreciated by users and wide publicity in print
media / TV channels spread the news differentiates Union
Bank if compared with peers.
4. Cash at POS: 'XULQJ GHPRQHWL]DWLRQ ZH LQVWDOOHG 
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cash withdrawal by providing one more channel in branch.
5. To make the Grievance Redressal Mechanism more
customer centric the bank has appointed an Internal
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which remain unresolved even after 30 days or if the
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060(VHFWRUWKURXJK+XEDQG6SRNHPRGHOZKHUHWKH grievance.

318 Annual Report 2017-2018

 œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ :‚™œƒ|™‚™|™…™àj¦㙉™|™ƒ‰™{™™|™㙉™|™€™™l™¥|™„Û€™|™}™™¢e t€™› …™e¥

›¸¸Ÿ¸¸¿ˆÅ›¸ œ¸°¸
(©¸½¡¸£š¸¸£ˆÅ ׸£¸)
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ÇÅ.縿. ________
œÏ¹÷¸
œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸,
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸,
239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä,
›¸£úŸ¸›¸ œ¸¸Áƒ¿’,
Ÿ¸º¿ñ¸ƒÄ-400 021.

¹›¸™½©¸ˆÅ ˆ½Å 긺›¸¸¨¸ ª½÷¸º ›¸¸Ÿ¸¸¿ˆÅ›¸

¹œÏ¡¸ Ÿ¸ª¸½™¡¸,

‚¸œ¸ˆÅ¸ ›¸¸½¹’ç¸ ¹™›¸¸¿ˆÅ 10 Ÿ¸ƒÄ 2018 ˆ½Å 縿™ð¸Ä Ÿ¸½¿ ____________________________________________________________ ¡¸˜¸¸ þ瘸¹÷¸ ©¸ºÇŨ¸¸£ 18 Ÿ¸ƒÄ, 2018
(긺›¸¸¨¸ Ÿ¸½¿ 𸸊¸ ¥¸½›¸½ ˆ½Å ¹¥¸¡¸½ ¹›¸¹ä¸÷¸ ˆÅú Š¸¡¸ú ¹¨¸¹›¸¹™Äß’ ¹÷¸¹˜¸) ˆÅ¸½ ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ˆÅ¸ ². 10/-œÏ÷¡¸½ˆÅ ˆ½Å _______________ ƒþƨ¸’ú ©¸½¡¸£¸½¿ ˆÅ¸ š¸¸£ˆÅ, ‡÷¸×¸£¸
ýú/ýúŸ¸÷¸ú __________________________________________________________________ œ¸º°¸/œ¸º°¸ú/œ¸÷›¸ú ýú ____________________________________
¹›¸¨¸¸ç¸ú _________________________________________
___________________________________________________________________________________________ˆÅ¸½ ñ¸ÿëˆÅŠ¸ ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸½¿ ˆÅ¸ ‚ù¸Ä›¸ ‡¨¸¿
‚¿÷¸£μ¸) ‚¹š¸¹›¸¡¸Ÿ¸, 1970 ˆÅú š¸¸£¸ 9(3)(i) ˆ½Å œÏ¸¨¸š¸¸›¸¸½¿ ˆ½Å ‚›¸ºç¸¸£ ñ¸ºš¸¨¸¸£ 27ù¸Þ›¸, 2018 ˆÅ¸½ Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿ ª¸½›¸½¨¸¸¥¸ú ©¸½¡¸£š¸¸£ˆÅ¸½¿ ˆÅú ¨¸¸¹ß¸ÄˆÅ 縸š¸¸£μ¸ ç¸ð¸¸ Ÿ¸½¿ ¹›¸™½©¸ˆÅ ˆ½Å ³œ¸ Ÿ¸½¿ 긺›¸½
ù¸¸›¸½ ˆ½Å ¹¥¸¡¸½ ‡÷¸×¸£¸ ›¸¸¹Ÿ¸÷¸ ˆÅ£÷¸¸ ªÞÂ.

›¸¸Ÿ¸
ªç÷¸¸®¸£
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œ¸¿ù¸úˆÅ¼÷¸ ûŸ½¹¥¸‚¸½ ÇÅ.
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èúœ¸ú‚¸ƒÄèú ÇÅ.
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ç¸÷¡¸¸¹œ¸÷¸ ç¸÷¡¸ œÏ¹÷¸¹¥¸¹œ¸ 縿¥¸Š›¸ ˆÅú ù¸¸›¸ú 길¹ª‡.
2) œÏ÷¡¸¸©¸ú ˆÅ¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ ˆÅ£›¸½ ¨¸¸¥¸½ ©¸½¡¸£š¸¸£ˆÅ ˆ½Å ªç÷¸¸®¸£ ñ¸ÿˆÅ ˆ½Å œ¸¿ù¸ú¡¸ˆÅ ‡¨¸¿ ‚¿÷¸£μ¸ ‡ù¸½¿’ ˆ½Å œ¸¸ç¸ „œ¸¥¸ñš¸ ›¸Ÿ¸Þ›¸¸ ªç÷¸¸®¸£ ˆ½Å 縸˜¸ ¹Ÿ¸¥¸¸›¸ ª¸½›¸¸ 길¹ª‡.


3) …œ¸£ ˆÅ¸ ˆÅ¸½ƒÄ ˆÅ¸Á¥¸Ÿ¸ ‰¸¸¥¸ú £ª›¸½ œ¸£ ‚˜¸¨¸¸ ˆÅ¸½ƒÄ ¹¨¸¨¸£μ¸ Š¸¥¸÷¸ œ¸¸¡¸½ ù¸¸›¸½ œ¸£ ›¸¸Ÿ¸¸¿ˆÅ›¸ ¹›¸£ç÷¸ ¹ˆÅ¡¸¸ ù¸¸ 縈Å÷¸¸ ª¾.

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 319

 +HDG2IÀFHUnion Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai-400021.

NOMINATION FORM
(By the Shareholder)
[Refer Regulation 65(d) of the Regulations]

Serial No. ________

To

The Managing Director & CEO,

Union Bank of India,
Union Bank Bhavan,
239, Vidhan Bhavan Marg,
Nariman Point,

Mumbai-400 021.

NOMINATION FOR ELECTION OF DIRECTOR

Dear Sir,

With reference to your Notice dated 10th May, 2018, I _______________________________________________ a shareholder of Union
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considered for participating in the election), do hereby nominate Shri/Smt. __________________________________________________
________________________ son / daughter / wife of ____________________________________ residing at ________________________
___________________________________________________________________________________________ for being elected as a
Director of Union Bank of India representing the shareholders of the Bank as provided in Section 9(3)(i) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970, at the Annual General Meeting of the Shareholders of the Bank to be held on
Friday, 27th June, 2018 at Mumbai.

Name

Signature

No. of Shares Held

Regd. Folio No.
(If not dematerialised)
DP ID No. & Client ID No.
(if dematerialised)
Place

Date

Notes:
1) In case nomination is made by a Shareholder who is a Body Corporate, the Nomination Form should be accompanied
E\DFHUWLÀHGWUXHFRS\RIWKHUHVROXWLRQSDVVHGDWWKHPHHWLQJRIWKH%RDUGRI'LUHFWRUVXQGHUWKHVLJQDWXUHRIWKH
Chairman of the meeting at which it was passed.
2) Signature of the shareholders nominating the candidature should match with the specimen signatures available with
the Registrar & Transfer Agent of the Bank.


3) If any of the columns above is left blank or the particulars are found to be incorrect, the nomination is liable to be
rejected.

320 Annual Report 2017-2018

 œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸: ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 𸨸›¸, 239, ¹¨¸š¸¸›¸ 𸨸›¸ Ÿ¸¸Š¸Ä, ›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Ÿ¸º¿ñ¸ƒÄ -400021.

‹¸¸½ß¸μ¸¸
(œÏ÷¡¸¸©¸ú ׸£¸)
(¹¨¸¹›¸¡¸Ÿ¸›¸ ˆ½Å ¹¨¸¹›¸¡¸Ÿ¸ 65 ˆÅ¸ 縿™ð¸Ä ¥¸½¿)

Ÿ¸ÿ,____________________________________________œ¸º°¸/œ¸º°¸ú/œ¸÷›¸ú ýú/ýúŸ¸÷¸ú __________________________________________

¹›¸¨¸¸ç¸ú, ___________________________________________________________________________________________________
_________________________________________________________________________________‡÷¸™Ã׸£¸ œ¸ºþß’ ˆÅ£÷¸¸ ªÞ ¹ˆÅ:
‡. Ÿ¸ÿ, ©¸ºÇŨ¸¸£ ¹™›¸¸¿ˆÅ 18 Ÿ¸ƒÄ, 2018 ‚˜¸¸Ä÷¸Ã 긺›¸¸¨¸ Ÿ¸½¿ 𸸊¸ ¥¸½›¸½ ˆ½Å ¹¥¸‡ ¹¨¸¹›¸¹™Äß’ ¹÷¸¹˜¸ ˆÅ¸½ ñ¸ÿˆÅ ˆÅ¸/ˆÅú ©¸½¡¸£š¸¸£ˆÅ ªÞ ÷¸˜¸¸ Ÿ¸½£½ œ¸¸ç¸ `10/-œÏ÷¡¸½ˆÅ
ˆ½Å _______________________________ƒþƨ¸’ú ©¸½¡¸£ ªÿ ‚¸¾£ ¡¸¹™ ñ¸ÿˆÅ ˆ½Å ¹›¸™½©¸ˆÅ ˆ½Å ³œ¸ Ÿ¸½¿ 긺›¸¸ Š¸¡¸¸/긺›¸ú Š¸¡¸ú ÷¸¸½ Ÿ¸½£ú ‚¨¸¹š¸ 縟¸¸œ÷¸
ª¸½›¸½ ÷¸ˆÅ Ÿ¸ÿ ˆÅŸ¸ 總 ˆÅŸ¸ 100 ƒþƨ¸’ú ©¸½¡¸£ š¸¸£μ¸ ˆÅ³¿Š¸¸/ˆÅ³¿Š¸ú;
ñ¸ú. Ÿ¸ºå¸½ Á(i)ˆ¼Å¹ß¸ ‡¨¸¿ ŠÏ¸Ÿ¸úμ¸ ‚˜¸Ä¨¡¸¨¸ç˜¸¸, (ii) ñ¸ÿëˆÅŠ¸, (iii) 縪ˆÅ¸¹£÷¸¸, (iv) ‚˜¸Ä©¸¸ç°¸, (v) ¹¨¸î¸, (vi) ¹¨¸¹š¸, (vii) ¥¸‹¸º „Ô¸¸½Š¸ ¡¸¸ (viii) ç¸Þ긛¸¸
œÏ¸¾Ô¸¸½¹Š¸ˆÅú (ix) ¹£’½¥¸ ñ¸ÿëˆÅŠ¸ (x) Ÿ¸¸›¸¨¸ 縿縸š¸›¸ œÏñ¸¿š¸›¸ ¡¸¸ ‚›¡¸ ¹ˆÅç¸ú ¹¨¸ß¸¡¸ ˆÅ¸ ¹¨¸©¸½ß¸ ±¸¸›¸ ¡¸¸ ¨¡¸¸¨¸ª¸¹£ˆÅ ‚›¸ºð¸¨¸ ª¾, ¹ù¸ç¸ˆÅ¸ ¹¨¸©¸½ß¸ ±¸¸›¸ ‚¸¾£
¨¡¸¸¨¸ª¸¹£ˆÅ ‚›¸ºð¸¨¸ 𸸣÷¸ú¡¸ ¹£ù¸¨¸Ä ñ¸ÿˆÅ ˆÅú £¸¡¸ Ÿ¸½¿ ñ¸ÿˆÅ ˆ½Å ¹¥¸‡ „œ¸¡¸¸½Š¸ú ª¸½Š¸¸ ‚¸¾£ Ÿ¸ÿ ‚¹š¸¹›¸¡¸Ÿ¸ ˆÅú š¸¸£¸ 9 ˆÅú „œ¸š¸¸£¸ 3‡ ˆ½Å ‚›¸ºç¸¸£ ù¸Ÿ¸¸ˆÅ÷¸¸Ä‚¸½¿
¡¸¸ ¹ˆÅ縸›¸¸½¿, ˆÅ¸Ÿ¸Š¸¸£¸½¿ ‡¨¸¿ ¹©¸¥œ¸ˆÅ¸£¸½¿ ˆ½Å ¹ª÷¸¸½¿ ˆÅ¸ œÏ¹÷¸¹›¸¹š¸÷¨¸ ˆÅ£÷¸¸/ˆÅ£÷¸ú ªÞ ÷¸˜¸¸ ƒç¸ˆ½Å 縸®¡¸ ˆ½Å ÷¸¸¾£ œ¸£ ‚¸¨¸©¡¸ˆÅ ™ç÷¸¸¨¸½ù¸õ œÏç÷¸º÷¸ ˆÅ£ £ª¸/£ªú
ªÞ (Áù¸¸½ ¥¸¸Š¸Þ ›¸ ª¸½, „總 ø¸½èõ ™½¿);
ç¸ú. Ÿ¸ÿ_____________________總_____________________________÷¸ˆÅ ÇÅŸ¸¸¿¹ˆÅ÷¸ ›¸¸Ÿ¸¸¿ˆÅ›¸ 稸úˆÅ¸£ ˆÅ£÷¸¸/ˆÅ£÷¸ú ªÞÂ;
èú. Ÿ¸ÿ ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ˆ½Å ¹›¸™½©¸ˆÅ ˆÅ¸ 긺›¸¸¨¸ ¥¸èõ›¸½ ˆÅ¸/ˆÅú ƒêøºˆÅ ªÞÂ;
ƒÄ. Ÿ¸ÿ ñ¸ÿˆÅˆÅ¸£ú ¹¨¸¹›¸¡¸Ÿ¸›¸ ‚¹š¸¹›¸¡¸Ÿ¸, 1949, ñ¸ÿˆÅˆÅ¸£ú ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸½¿ ˆÅ¸ ‚ù¸Ä›¸ ‚¸¾£ ‚¿÷¸£μ¸) ‚¹š¸¹›¸¡¸Ÿ¸, 1970, £¸ß’ïú¡¸ˆÅ¼÷¸ ñ¸ÿˆÅ (œÏñ¸¿š¸›¸ ‡¨¸¿ ¹¨¸¹¨¸š¸
œÏ¸¨¸š¸¸›¸) ¡¸¸½ù¸›¸¸, 1970, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸ (©¸½¡¸£ ‚¸¾£ ñ¸¾¶ˆÅ) ¹¨¸¹›¸¡¸Ÿ¸, 1998 ¡¸˜¸¸ 縿©¸¸½¹š¸÷¸, 𸸹£ñ¸ÿ ׸£¸ ù¸¸£ú 縺縿Š¸÷¸ ‚¹š¸ç¸Þ긛¸¸‡Â ÷¸˜¸¸
縸¨¸Äù¸¹›¸ˆÅ ®¸½°¸ ˆ½Å ñ¸ÿˆÅ¸½¿ ˆ½Å Š¸¾£-縣ˆÅ¸£ú ¹›¸™½©¸ˆÅ¸½¿ 總 縿ñ¸þ›š¸÷¸ 𸸣÷¸ 縣ˆÅ¸£ ˆ½Å ¹™©¸¸¹›¸™½Ä©¸¸½¿ ˆ½Å œÏ¸¨¸š¸¸›¸¸½¿ ˆ½Å ‚¿÷¸Š¸Ä÷¸ ñ¸ÿˆÅ ˆÅ¸ ¹›¸™½©¸ˆÅ ñ¸›¸›¸½ ˆ½Å
¹¥¸‡ ‚¡¸¸½Š¡¸ ›¸ªì ªÞÂ;
‡ûÅ. Ÿ¸ÿ ›¸ ÷¸¸½ ¹ˆÅç¸ú ¥¸¸ð¸ ˆ½Å œ¸™ œ¸£ ªÞ ‚¸¾£ ›¸ ªú ¹ˆÅç¸ú £¸ß’ïú¡¸ˆÅ¼÷¸ ñ¸ÿˆÅ ˆÅ¸/ˆÅú ‚˜¸¨¸¸ 𸸣÷¸ú¡¸ ç’½’ ñ¸ÿˆÅ ‚¹š¸¹›¸¡¸Ÿ¸, 1955 ˆÅú š¸¸£¸ 3 ˆÅú „œ¸ š¸¸£¸(1)
‚˜¸¨¸¸ 𸸣÷¸ú¡¸ ç’½’ ñ¸ÿˆÅ (縪¸¡¸ˆÅ ñ¸ÿˆÅ) ‚¹š¸¹›¸¡¸Ÿ¸,1959 ˆÅú š¸¸£¸ 3 Ÿ¸½¿ ™ú Š¸¡¸ú ¹ˆÅç¸ú 縪¸¡¸ˆÅ ñ¸ÿˆÅ ˆÅú œ¸¹£ð¸¸ß¸¸ ˆ½Å ‚›¸ºç¸¸£ „›¸ˆÅ¸/ „›¸ˆÅú
ˆÅŸ¸Ä길£ú ªÞÂ;
ù¸ú. Ÿ¸ÿ ˆ¿Åœ¸›¸ú ‚¹š¸¹›¸¡¸Ÿ¸, 2013 ˆÅú š¸¸£¸ 164 ˆ½Å ÷¸ª÷¸ ‚¡¸¸½Š¡¸ ›¸ªì ªÞÂ; ÷¸˜¸¸
Ÿ¸ÿ 眸ߒ ³œ¸ 總 „™Ã‹¸¸½ß¸μ¸¸ ˆÅ£÷¸¸/ˆÅ£÷¸ú ªÞ ¹ˆÅ:
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‚¸ƒÄ. Ÿ¸ÿ 縮¸Ÿ¸ ›¡¸¸¡¸¸¥¸¡¸ ׸£¸ ˆÅð¸ú ‰¸£¸ñ¸ ¹™Ÿ¸¸Š¸ú ª¸¥¸÷¸ Ÿ¸½¿ ›¸ªì ‹¸¸½¹ß¸÷¸ ¶ª£¸¡¸¸ Š¸¡¸¸/¶ª£¸ƒÄ Š¸¡¸ú ªÞ ÷¸˜¸¸ ¹ˆÅç¸ú ð¸ú ™¿è ›¡¸¸¡¸¸¥¸¡¸ ׸£¸ ‡½ç¸½ ‚œ¸£¸š¸ ˆÅ¸
/ˆÅú ™¸½ß¸ú ›¸ªì ¶ª£¸¡¸¸ Š¸¡¸¸/¶ª£¸ƒÄ Š¸¡¸ú ªÞ ¹ù¸ç¸Ÿ¸½¿ ›¸¾¹÷¸ˆÅ ‚š¸Ÿ¸÷¸¸ ©¸¸¹Ÿ¸¥¸ ª¸½;
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›¸ªì ªÞÂ;
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322 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 +HDG2IÀFHUnion Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai-400021.

DECLARATION
(By the Candidate)
;ZĞĨĞƌZĞŐƵůĂƟŽŶϲϱŽĨƚŚĞZĞŐƵůĂƟŽŶƐͿ

/͕ͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺƐŽŶͬĚĂƵŐŚƚĞƌͬǁŝĨĞŽĨ
^Śƌŝͬ͘^ŵƚ͘ͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺ͕ĂƌĞƐŝĚĞŶƚŽĨ
___________________________________________________________________________________________________
ͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺŚĞƌĞďLJĐŽŶĮƌŵƚŚĂƚ͗

a. /ĂŵĂƐŚĂƌĞŚŽůĚĞƌŚŽůĚŝŶŐ͙͙͙͙͙͙͙͙͙͙ĞƋƵŝƚLJƐŚĂƌĞƐŽĨZƐ͘ϭϬͬͲĞĂĐŚŽĨƚŚĞĂŶŬĂƐŽŶ
Friday, 18th May, 2018,ŝ͘Ğ͘ƚŚĞ^ƉĞĐŝĮĞĚĂƚĞĨŽƌƉĂƌƟĐŝƉĂƟŶŐŝŶƚŚĞĞůĞĐƟŽŶƐĂŶĚƵŶĚĞƌƚĂŬĞƚŽŚŽůĚĂŵŝŶŝŵƵŵ
ŽĨϭϬϬĞƋƵŝƚLJƐŚĂƌĞƐƟůůƚŚĞĞŶĚŽĨŵLJƚĞŶƵƌĞ͕ŝĨĞůĞĐƚĞĚĂƐĂŝƌĞĐƚŽƌŽĨƚŚĞĂŶŬ

b. /ŚĂǀĞƐƉĞĐŝĂůŬŶŽǁůĞĚŐĞŽƌƉƌĂĐƟĐĂůĞdžƉĞƌŝĞŶĐĞŝŶΎ;ŝͿŐƌŝĐƵůƚƵƌĞĂŶĚZƵƌĂůĐŽŶŽŵLJ͕;ŝŝͿĂŶŬŝŶŐ͕;ŝŝŝͿŽͲKƉĞƌĂƟŽŶ͕
;ŝǀͿ ĐŽŶŽŵŝĐƐ͕ ;ǀͿ &ŝŶĂŶĐĞ͕ ;ǀŝͿ >Ăǁ͕ ;ǀŝŝͿ ^ŵĂůů ^ĐĂůĞ /ŶĚƵƐƚƌLJ͕ Žƌ ;ǀŝŝŝͿ /ŶĨŽƌŵĂƟŽŶ dĞĐŚŶŽůŽŐLJ ;ŝdžͿ ZĞƚĂŝů ĂŶŬŝŶŐ
;džͿ,ƵŵĂŶZĞƐŽƵƌĐĞƐDĂŶĂŐĞŵĞŶƚŽƌĂŶLJŽƚŚĞƌŵĂƩĞƌƐƉĞĐŝĂůŬŶŽǁůĞĚŐĞŽĨĂŶĚƉƌĂĐƟĐĂůĞdžƉĞƌŝĞŶĐĞŽĨǁŚŝĐŚŝŶ
ƚŚĞŽƉŝŶŝŽŶŽĨZĞƐĞƌǀĞĂŶŬŽĨ/ŶĚŝĂ͕ǁŽƵůĚďĞƵƐĞĨƵůƚŽƚŚĞĂŶŬĂŶĚ/ƌĞƉƌĞƐĞŶƚƚŚĞŝŶƚĞƌĞƐƚŽĨƚŚĞĚĞƉŽƐŝƚŽƌƐ͕Žƌ
ĨĂƌŵĞƌƐ͕ǁŽƌŬĞƌƐĂŶĚĂƌƟƐĂŶƐ͕ŝŶƚĞƌŵƐŽĨƐƵďͲƐĞĐƟŽŶϯŽĨ^ĞĐƟŽŶϵŽĨƚŚĞĐƚĂŶĚĂƐĂŶĞǀŝĚĞŶĐĞƚŚĞƌĞŽĨ͕/ƐƵďŵŝƚ
ŚĞƌĞǁŝƚŚƚŚĞƌĞůĞǀĂŶƚƚĞƐƟŵŽŶŝĂůƐ;ΎĞůĞƚĞǁŚŝĐŚĞǀĞƌŝƐŶŽƚĂƉƉůŝĐĂďůĞͿ͖
c. /ĂĐĐĞƉƚƚŚĞŶŽŵŝŶĂƟŽŶƐŶƵŵďĞƌĞĚĨƌŽŵ͙͙͙͙͙ƚŽ͙͙͙͙͙͖
d. /ĂŵǁŝůůŝŶŐƚŽĐŽŶƚĞƐƚĨŽƌƚŚĞĞůĞĐƟŽŶŽĨŝƌĞĐƚŽƌŽĨhE/KEE<K&/E/͖
e. /ĂŵŶŽƚĚŝƐƋƵĂůŝĮĞĚĨƌŽŵďĞŝŶŐĂĚŝƌĞĐƚŽƌŽĨƚŚĞĂŶŬƵŶĚĞƌƚŚĞƉƌŽǀŝƐŝŽŶƐŽĨƚŚĞĂŶŬŝŶŐZĞŐƵůĂƟŽŶĐƚ͕ϭϵϰϵ͕ƚŚĞ
ĂŶŬŝŶŐŽŵƉĂŶŝĞƐ;ĐƋƵŝƐŝƟŽŶĂŶĚdƌĂŶƐĨĞƌŽĨhŶĚĞƌƚĂŬŝŶŐƐͿĐƚ͕ϭϵϳϬ͕ƚŚĞEĂƟŽŶĂůŝƐĞĚĂŶŬƐ;DĂŶĂŐĞŵĞŶƚĂŶĚ
DŝƐĐĞůůĂŶĞŽƵƐWƌŽǀŝƐŝŽŶƐͿ^ĐŚĞŵĞ͕ϭϵϳϬ͕hŶŝŽŶĂŶŬŽĨ/ŶĚŝĂ;^ŚĂƌĞƐΘDĞĞƟŶŐƐͿZĞŐƵůĂƟŽŶƐ͕ϭϵϵϴĂƐĂŵĞŶĚĞĚ͕
ƌĞůĞǀĂŶƚEŽƟĮĐĂƟŽŶƐŝƐƐƵĞĚďLJZ/ĂŶĚ'ƵŝĚĞůŝŶĞƐŝƐƐƵĞĚďLJ'K/ƌĞŐĂƌĚŝŶŐEŽŶKĸĐŝĂůŝƌĞĐƚŽƌƐŽĨWƵďůŝĐ^ĞĐƚŽƌ
ĂŶŬƐ͖
f. /ŶĞŝƚŚĞƌŚŽůĚĂŶLJŽĸĐĞŽĨƉƌŽĮƚŶŽƌĂŵĂŶĞŵƉůŽLJĞĞŽĨĂŶLJEĂƟŽŶĂůŝƐĞĚĂŶŬŽƌ^ƚĂƚĞĂŶŬŽĨ/ŶĚŝĂĐŽŶƐƟƚƵƚĞĚ
ƵŶĚĞƌƐƵďƐĞĐƟŽŶ;ϭͿŽĨ^ĞĐƟŽŶϯŽĨƚŚĞ^ƚĂƚĞĂŶŬŽĨ/ŶĚŝĂĐƚ͕ϭϵϱϱŽƌĂŶLJƐƵďƐŝĚŝĂƌLJďĂŶŬĂƐĚĞĮŶĞĚŝŶ^ĞĐƟŽŶϯ
ŽĨƚŚĞ^ƚĂƚĞĂŶŬŽĨ/ŶĚŝĂ;^ƵďƐŝĚŝĂƌLJĂŶŬƐͿĐƚ͕ϭϵϱϵ͖
g. /ĂŵŶŽƚĚŝƐƋƵĂůŝĮĞĚƵŶĚĞƌ^ĞĐƟŽŶϭϲϰŽĨƚŚĞŽŵƉĂŶŝĞƐĐƚ͕ϮϬϭϯ͖ĂŶĚ
/ƐƉĞĐŝĮĐĂůůLJĚĞĐůĂƌĞƚŚĂƚ͗

h. /ŚĂǀĞŶŽƚďĞĞŶĂƚĂŶLJƟŵĞĂĚũƵĚŝĐĂƚĞĚĂƐĂŶŝŶƐŽůǀĞŶƚŽƌŚĂǀĞƐƵƐƉĞŶĚĞĚƉĂLJŵĞŶƚŽƌŚĂƐ
ĐŽŵƉŽƵŶĚĞĚǁŝƚŚŵLJĐƌĞĚŝƚŽƌƐ͖
i. /ŚĂǀĞŶŽƚďĞĞŶĨŽƵŶĚŽĨƵŶƐŽƵŶĚŵŝŶĚĂŶĚƐƚĂŶĚƐƐŽĚĞĐůĂƌĞĚďLJĂĐŽŵƉĞƚĞŶƚĐŽƵƌƚĂŶĚŚĂǀĞŶŽƚďĞĞŶĐŽŶǀŝĐƚĞĚ
ďLJĂƌŝŵŝŶĂůŽƵƌƚŽĨĂŶŽīĞŶĐĞǁŚŝĐŚŝŶǀŽůǀĞƐŵŽƌĂůƚƵƌƉŝƚƵĚĞ͖
j. /ŚĂǀĞŶŽƚďĞĞŶĚĞĐůĂƌĞĚĂƐƉƌŽĐůĂŝŵĞĚŽīĞŶĚĞƌďLJĂŶLJĐŽŶŽŵŝĐKĸĐĞƌŽƌ:ƵĚŝĐŝĂůDĂŐŝƐƚƌĂƚĞŽƌ,ŝŐŚŽƵƌƚŽƌĂŶLJ
ŽƚŚĞƌŽƵƌƚ͖
k. /ĂŵŶŽƚĐŽŶŶĞĐƚĞĚǁŝƚŚĂŶLJŚŝƌĞƉƵƌĐŚĂƐĞ͕ĮŶĂŶĐŝŶŐ͕ŝŶǀĞƐƚŵĞŶƚ͕ůĞĂƐŝŶŐĂŶĚŽƚŚĞƌƉĂƌĂͲďĂŶŬŝŶŐĂĐƟǀŝƟĞƐĂŶĚ/Ăŵ
ŶŽƚĂDWͬD>ͬD>ͬ^ƚŽĐŬƌŽŬĞƌ͖
l. /ĂŵŶŽƚĂŝƌĞĐƚŽƌŝŶĂŶLJŽƚŚĞƌĂŶŬŽƌ&ŝŶĂŶĐŝĂů/ŶƐƟƚƵƟŽŶŽƌZ/Žƌ/ŶƐƵƌĂŶĐĞŽŵƉĂŶLJ͖
m. /ŚĂǀĞŶŽƚďĞĞŶĂŝƌĞĐƚŽƌŽŶƚŚĞŽĂƌĚŽĨĂŶLJWƵďůŝĐ^ĞĐƚŽƌĂŶŬ͕Žƌ&ŝŶĂŶĐŝĂů/ŶƐƟƚƵƟŽŶŽƌZ/Žƌ/ŶƐƵƌĂŶĐĞŽŵƉĂŶLJ
ŝŶƚŚĞƉĂƐƚ͕ƵŶĚĞƌĂŶLJĐĂƚĞŐŽƌLJĨŽƌƚǁŽƚĞƌŵƐŽƌƐŝdžLJĞĂƌƐǁŚŝĐŚĞǀĞƌŝƐůŽŶŐĞƌǁŚĞƚŚĞƌŝŶƚĞƌŵŝƩĞŶƚůLJŽƌĐŽŶƟŶƵŽƵƐůLJ͖


Annual Report 2017-2018 323

n. /ǁŝůůƐĞǀĞƌƉƌŽĨĞƐƐŝŽŶĂůƌĞůĂƟŽŶƐŚŝƉ͕ŝĨĂŶLJ͕ǁŝƚŚƚŚĞĂŶŬĨŽƌƚŚǁŝƚŚŽŶŐĞƫŶŐĞůĞĐƚĞĚĂŶĚǁŝůůŶŽƚƵŶĚĞƌƚĂŬĞĂŶLJ
ƉƌŽĨĞƐƐŝŽŶĂůƌĞůĂƟŽŶƐŚŝƉǁŝƚŚƚŚĞĂŶŬĚƵƌŝŶŐŵLJƚĞŶƵƌĞĂƐŝƌĞĐƚŽƌĂŶĚĨŽƌĂƉĞƌŝŽĚŽĨƚǁŽLJĞĂƌƐƚŚĞƌĞĂŌĞƌ͖
o. /ĂŵŶŽƚĂƉĂƌƚŶĞƌŝŶĂŶLJŚĂƌƚĞƌĞĚĐĐŽƵŶƚĂŶƚ&ŝƌŵĐƵƌƌĞŶƚůLJĞŶŐĂŐĞĚŝŶĂŶLJWƵďůŝĐ^ĞĐƚŽƌĂŶŬĂƐĂ
^ƚĂƚƵƚŽƌLJĞŶƚƌĂůƵĚŝƚŽƌ͖

p. / Ăŵ ŶŽƚ Ă ƉĂƌƚŶĞƌ ŝŶ ĂŶLJ ŚĂƌƚĞƌĞĚ ĐĐŽƵŶƚĂŶƚ &ŝƌŵ ĐƵƌƌĞŶƚůLJ ĞŶŐĂŐĞĚ ŝŶ ĂŶLJ EĂƟŽŶĂůŝnjĞĚ ĂŶŬ ĂƐ Ă ^ƚĂƚƵƚŽƌLJ
ƌĂŶĐŚƵĚŝƚŽƌŽƌŽŶĐƵƌƌĞŶƚƵĚŝƚŽƌ͖

q. / ƵŶĚĞƌƚĂŬĞ ƚŽ ĐŽŵƉůLJ ǁŝƚŚ ƚŚĞ ƌĞůĞǀĂŶƚ ƉƌŽǀŝƐŝŽŶƐ ŽĨ ƚŚĞ ^/ ;>ŝƐƟŶŐ KďůŝŐĂƟŽŶƐ ĂŶĚ ŝƐĐůŽƐƵƌĞ ZĞƋƵŝƌĞŵĞŶƚƐͿ
ZĞŐƵůĂƟŽŶƐ͕ϮϬϭϱ͕ĂƐĂŵĞŶĚĞĚ͕Ɵůů/ŚŽůĚƚŚĞƉŽƐŝƟŽŶĂƐĂŝƌĞĐƚŽƌŽĨƚŚĞĂŶŬ͖
r. /ƵŶĚĞƌƚĂŬĞƚŽŬĞĞƉƚŚĞĂŶŬĨƵůůLJŝŶĨŽƌŵĞĚ͕ĂƐƐŽŽŶĂƐƉŽƐƐŝďůĞ͕ŽĨĞǀĞŶƚƐ͕ŝĨĂŶLJ͕ǁŚŝĐŚƚĂŬĞƉůĂĐĞƐƵďƐĞƋƵĞŶƚƚŽ
ƚŚŝƐĚĞĐůĂƌĂƟŽŶǁŚŝĐŚĂƌĞƌĞůĞǀĂŶƚƚŽƚŚĞŝŶĨŽƌŵĂƟŽŶƉƌŽǀŝĚĞĚŚĞƌĞƚŽĂŶĚƚŽĞdžĞĐƵƚĞƚŚĞĞĞĚŽĨŽǀĞŶĂŶƚƐƵƉŽŶ
ŵLJĞůĞĐƟŽŶĂƐĂŝƌĞĐƚŽƌŽĨƚŚĞĂŶŬ͖ĂŶĚ
s. /ŐŝǀĞďĞůŽǁƚŚĞĚĞƚĂŝůƐŽĨŵLJƉƌĞƐĞŶƚĂƐǁĞůůĂƐƉĂƐƚĚŝƌĞĐƚŽƌƐŚŝƉŝŶŽƚŚĞƌŽŵƉĂŶŝĞƐͬĂŶŬƐ͗
EĂŵĞŽĨƚŚĞŽŵƉĂŶLJͬĂŶŬ ŝƌĞĐƚŽƌƐŚŝƉĚĞƚĂŝůƐǀŝnj͘ƚĞŶƵƌĞ͕ƉĞƌŝŽĚĞƚĐ͘

t. /ĞŶĐůŽƐĞŵLJƉĞƌƐŽŶĂůĚĞƚĂŝůƐǁŚŝĐŚĂƌĞƚŽƚŚĞďĞƐƚŽĨŵLJŬŶŽǁůĞĚŐĞĂŶĚďĞůŝĞĨĂƌĞƚƌƵĞĂŶĚĐŽŵƉůĞƚĞŝŶĂůůƌĞƐƉĞĐƚƐ͘
EĂŵĞ
^ŝŐŶĂƚƵƌĞ

EŽ͘ŽĨ^ŚĂƌĞƐ
Regd. Folio No
;/ĨŶŽƚĚĞŵĂƚĞƌŝĂůŝƐĞĚͿ
DP ID No. & Client ID No
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WůĂĐĞ
ĂƚĞ
dŚĞĂďŽǀĞĚĞĐůĂƌĂƟŽŶǁĂƐƐŝŐŶĞĚďĞĨŽƌĞŵĞ͘
EĂŵĞ͗ͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺͺ ^ŝŐŶĂƚƵƌĞǁŝƚŚ^ĞĂů
WůĂĐĞ͗
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^ŝŐŶĂƚƵƌĞǁŝƚŚ^ĞĂůŽĨ:ƵĚŐĞ͕DĂŐŝƐƚƌĂƚĞ͕ZĞŐŝƐƚƌĂƌŽƌ^ƵďͲZĞŐŝƐƚƌĂƌŽĨƐƐƵƌĂŶĐĞ͕ŽƌŽƚŚĞƌ'ĂnjĞƩĞĚKĸĐĞƌŽƌĂŶŽĸĐĞƌŽĨ
ƚŚĞZĞƐĞƌǀĞĂŶŬŽĨ/ŶĚŝĂŽƌhŶŝŽŶĂŶŬŽĨ/ŶĚŝĂŽƌĂŶLJŶĂƟŽŶĂůŝƐĞĚďĂŶŬ͘

324 Annual Report 2017-2018

 œÏš¸¸›¸ ˆÅ¸¡¸¸Ä¥¸¡¸ :‚™œƒ|™‚™|™…™àj¦㙉™|™ƒ‰™{™™|™㙉™|™€™™l™¥|™„Û€™|™}™™¢e t€™› …™e¥
¨¡¸þÆ÷¸Š¸÷¸ ù¸¸›¸ˆÅ¸£ú, ‹¸¸½ß¸μ¸¸ ‡¨¸¿ ¨¸ê¸›¸ œ¸°¸
(œÏ÷¡¸¸©¸ú ׸£¸)

œÏ÷¡¸¸©¸ú ׸£¸ 縟¸º¹ê¸÷¸ ‚›¸º¥¸Š›¸ˆÅ¸½¿ ˆ½Å 縸˜¸ ‹¸¸½ß¸μ¸¸ ‡¨¸¿ ¨¸ê¸›¸ œ¸°¸ ¡¸˜¸¸þ瘸¹÷¸_____________2018 ˆÅ¸½
I. œÏ÷¡¸¸©¸ú ˆÅ¸ ¨¡¸þÆ÷¸Š¸÷¸ ¹¨¸¨¸£μ¸
‡. œ¸Þ£¸ ›¸¸Ÿ¸ (ñ¸èõ½ ‚®¸£¸½ Ÿ¸½¿)
¹œ¸÷¸¸ ˆÅ¸ ›¸¸Ÿ¸ (œ¸Þ£¸)
ñ¸ú. ù¸›Ÿ¸ ¹÷¸¹˜¸ (DD/MM/YYYY)
ç¸ú. ©¸¾¹®¸ˆÅ ¡¸¸½Š¡¸÷¸¸
(ˆ¼Åœ¸¡¸¸ ç¸Þ긛¸¸ ˆ½Å 縟¸˜¸Ä›¸ Ÿ¸½¿ œÏŸ¸¸μ¸œ¸°¸¸½¿ ˆÅú 稸÷¸: ç¸÷¡¸¸¹œ¸÷¸ œÏ¹÷¸¡¸¸Â 縿¥¸Š›¸ ˆÅ£½¿)
èú. 縿ñ¸¿¹š¸÷¸ œ¸¼ß¶ð¸Þ¹Ÿ¸ ‡¨¸¿ ‚›¸ºð¸¨¸
(ñ¸ÿëˆÅŠ¸ ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸½¿ ˆÅ¸ ‚¿÷¸£μ¸) ‚¹š¸¹›¸¡¸Ÿ¸ 1970 ˆÅú š¸¸£¸ 9(3‡) ˆ½Å ‚›¸ºç¸¸£)
(ˆ¼Åœ¸¡¸¸ ñ¸ÿˆÅ ˆ½Å ¹›¸™½©¸ˆÅœ¸™ 總 縿ñ¸¿¹š¸÷¸ ‚œ¸›¸½ ‚›¸ºð¸¨¸ ˆÅ¸½ ƒ¿¹Š¸÷¸ ˆÅ£½¿.)
ƒÄ. 瘸¸¡¸ú œ¸÷¸¸
‡ûÅ. ¨¸÷¸ÄŸ¸¸›¸ œ¸÷¸¸
ù¸ú. ƒÄ-Ÿ¸½¥¸ œ¸÷¸¸
’½¥¸úûŸ½›¸ ÇÅŸ¸¸¿ˆÅ (¥¸ÿ襸¸ƒ›¸)
’½¥¸úûŸ½›¸ ÇÅŸ¸¸¿ˆÅ (Ÿ¸¸½ñ¸¸ƒÄ¥¸)
‡ê¸. (1) ‚¸¡¸ˆÅ£ ‚¹š¸¹›¸¡¸Ÿ¸ ˆ½Å ‚¿÷¸Š¸Ä÷¸ 瘸¸¡¸ú ‰¸¸÷¸¸ ÇÅŸ¸¸¿ˆÅ (ˆ¼Åœ¸¡¸¸ ‡ˆÅ œÏ¹÷¸ 縿¥¸Š›¸ ˆÅ£½¿)
(2) ‚¸¡¸ˆÅ£ 縹ˆÄÅ¥¸/œÏ𸸊¸ ˆÅ¸ ›¸¸Ÿ¸ ‡¨¸¿ œ¸÷¸¸ ™½ ù¸ª¸¿ ¨¡¸þÆ÷¸Š¸÷¸ ‚¸¡¸ ˆÅ£ ¹¨¸¨¸£μ¸ú ûŸƒ¥¸ ˆÅú
ù¸¸ £ª½ ª¾¿.
‚¸ƒÄ. 縿ñ¸¿¹š¸÷¸ ù¸¸›¸ˆÅ¸£ú ‡¨¸¿ ‚›¸ºð¸¨¸
(ñ¸ÿëˆÅŠ¸ ˆ¿Åœ¸›¸ú („œ¸ÇÅŸ¸¸½¿ ˆÅ¸ ‚ù¸Ä›¸ ‡¨¸¿ ‚¿÷¸£μ¸) ‚¹š¸¹›¸¡¸Ÿ¸ 1970 ˆÅú š¸¸£¸ 9(3-‡) ˆÅ¸ 縿™ð¸Ä
¥¸½¿.)
ù¸½. ñ¸ÿˆÅ ˆ½Å ¹›¸™½©¸ˆÅ œ¸™ ˆ½Å ¹¥¸‡ ˆÅ¸½ƒÄ ‚›¡¸ 縿ñ¸¿¹š¸÷¸ ç¸Þ긛¸¸
II. œÏ÷¡¸¸©¸ú ˆÅ¸ 縿ñ¸¿š¸
‡. ñ¸ÿˆÅ ˆ½Å 縿ñ¸¿Ö ¹£©÷¸½™¸£ ¡¸¹™ ˆÅ¸½ƒÄ ª¸½, ˆÅú ç¸Þê¸ú
(œ¸¹£ð¸¸ß¸¸ ¹¨¸¨¸£μ¸ ˆ½Å ¹¨¸¹›¸¹™Äß’úˆÅ£μ¸) ˆ¿Åœ¸›¸ú ˆ½Å ¹›¸¡¸Ÿ¸, 2014 {ˆ¿Åœ¸›¸ú ‚¹š¸¹›¸¡¸Ÿ¸ 1956 ˆÅú
š¸¸£¸ 6 ‡¨¸¿ ‚›¸ºç¸Þê¸ú (‡)} ˆ½Å ¹›¸¡¸Ÿ¸ 4 ˆ½Å 縸˜¸ œ¸éõú Š¸¡¸ú ñ¸ÿëˆÅŠ¸ ˆ¿Åœ¸›¸úùö¸ ‚¹š¸¹›¸¡¸Ÿ¸, 2013 ˆÅú
š¸¸£¸ 2(77) ˆÅ¸ 縿™ð¸Ä ¥¸½¿).
ñ¸ú. ‡½ç¸ú 縿瘸¸‚¸½¿, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½, ˆÅú ç¸Þê¸ú ¹ù¸ç¸Ÿ¸½¿ „縈Åú ²¹ê¸ ª¸½›¸¸ Ÿ¸¸›¸¸ ù¸¸÷¸¸ ªÿ
(ˆ¿Åœ¸›¸úθ ‚¹š¸¹›¸¡¸Ÿ¸,2013 ˆÅú š¸¸£¸ 2 (49) ÷¸˜¸¸ 184 ˆÅ¸ 縿™ð¸Ä¥¸½¿.)
{ˆ¿Åœ¸›¸úθ ‚¹š¸¹›¸¡¸Ÿ¸,1956 ˆÅú š¸¸£¸ 299(3)(‡) ÷¸˜¸¸ š¸¸£¸ 300}
ç¸ú ‡½ç¸ú 縿瘸¸‚¸½¿, œÏç÷¸¸¹¨¸÷¸ ‡¨¸¿ Ÿ¸¸¾ù¸Þ™¸ ¡¸¹™ ˆÅ¸½ƒÄ ª¸½, ˆÅú ç¸Þê¸ú, ¹ù¸ç¸Ÿ¸½¿ ñ¸ÿëˆÅŠ¸ ¹¨¸¹›¸¡¸Ÿ¸›¸
‚¹š¸¹›¸¡¸Ÿ¸, 1949 ˆÅú š¸¸£¸ 5(‡›¸ƒÄ) ˆ½Å ‚›¸ºç¸¸£ „縈Åú œ¸¡¸¸Äœ÷¸ ²¹ê¸ ª¸½›¸¸ Ÿ¸¸›¸¸ ù¸÷¸¸ ª¾.
èú. ¹ù¸ç¸ ñ¸ÿˆÅ ˆ½Å ñ¸¸½èÄ Ÿ¸½¿ ¨¸ª 縙硸 ªÿ ‚˜¸¨¸¸ £ª½/£ªú ªÿ „縈Ÿ ›¸¸Ÿ¸ (¹ù¸ç¸ ‚¨¸¹š¸ Ÿ¸½¿ œ¸™ œ¸£ £ª½/£ªú
ª¸½¿ „縈Ÿ ¹¨¸¨¸£μ¸)


¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 325

 ƒÄ. ¨¸÷¸ÄŸ¸¸›¸ Ÿ¸½¿ „縈½Å ׸£¸ ‚¸¾£/¡¸¸ „œ¸£¸½Æ÷¸ II (ñ¸ú) ‡ê¸ (ç¸ú) Ÿ¸½¿ ç¸Þ¹ê¸ñ¸Ö 縿瘸¸ ׸£¸ ñ¸ÿˆÅ 總 ¥¸ú
›¸¡¸ú, ¹›¸¹š¸ ‚¸¾£ Š¸¾£-¹›¸¹š¸ 縺¹¨¸š¸¸, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½.
‡ûÅ. Ÿ¸¸Ÿ¸¥¸½¿, ¡¸¹™ ˆÅ¸½ƒÄ ù¸ª¸¿ œÏ÷¡¸¸©¸ú ¡¸¸ ç¸Þê¸úñ¸Ö „œ¸£ (2ñ¸ú) ‡¨¸¿ (ç¸ú) Ÿ¸½¿ ç¸Þê¸úñ¸Ö 縿瘸¸, ñ¸ÿˆÅ ‚˜¸¨¸¸
¹ˆÅç¸ú ‚›¡¸ ñ¸ÿˆÅ 總 ¥¸ú Š¸¡¸ú 縸‰¸ç¸º¹¨¸š¸¸ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ê¸ÞˆÅˆÅ÷¸¸Ä ª¾ ¡¸¸ ¹¨¸Š¸÷¸ Ÿ¸½¿ ê¸ÞˆÅˆÅ÷¸¸Ä £ª¸ ªÿ.
III ¨¡¸¸¨¸ç¸¸¹¡¸ˆÅ „œ¸¥¸þñš¸¡¸¸½¿ ˆÅ¸ ¹£ˆÅ¸èÄ
‡. ¡¸ºþÆ÷¸ç¸¿Š¸÷¸ ¨¡¸¸¨¸ç¸¸¹¡¸ˆÅ „œ¸¥¸þñš¸¡¸¸¿
IV œÏ÷¡¸¸©¸ú ˆ½Å ¹¨¸²Ö ˆÅ¸£Ä¨¸¸ƒÄ, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½,
‡. ¡¸¹™ œÏ÷¡¸¸©¸ú ¹ˆÅ縸 ¨¡¸¸¨¸ç¸¸¹¡¸ˆÅ ‡ç¸¸½¹ç¸‡©¸›¸/縿瘸¸ ˆÅ¸ 縙硸 ª¾ ÷¸¸½ „縈½Å ¹¨¸²Ö ¥¸¿¹ñ¸÷¸, ¡¸¸
©¸º³ ˆÅú Š¸¡¸ú ¹¨¸Š¸÷¸ Ÿ¸½¿ ™¸½ß¸ú œ¸¸¡¸½ Š¸‡ ‚›¸º©¸¸ç¸¹›¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ ¡¸¹™ ˆÅ¸½ƒÄ ª¸½, ˆÅ¸ ¹¨¸¨¸£μ¸ ¹ˆÅ Æ¡¸¸
„總 ¹ˆÅç¸ú 縟¸¡¸ ¹ˆÅç¸ú ¨¡¸¨¸ç¸¸¡¸/œ¸½©¸½ Ÿ¸½¿ ©¸¸¹Ÿ¸¥¸ ª¸½›¸½ 總 œÏ¹÷¸ñ¸¿¹š¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ªÿ.
ñ¸ú. œÏ÷¡¸¸©¸ú ¡¸¸ „œ¸£¸½Æ÷¸ II(ñ¸ú) ‡¨¸¿ (ç¸ú) Ÿ¸½¿ ç¸Þê¸ú ñ¸Ö ¨¡¸¸¨¸ç¸¸¹¡¸ˆÅ ‡ç¸¸½¹ç¸‡©¸›¸/縿瘸¸ ˆ½Å ¹¨¸²Ö
‚¸¹˜¸ÄˆÅ ˆÅ¸›¸Þ›¸¸½¿ ‡¨¸¿ ¹¨¸¹›¸¡¸Ÿ¸¸½¿ ˆ½Å „¥¥¸¿‹¸›¸ ˆ½Å ¹¥¸‡ ¥¸¿¹ñ¸÷¸ ¡¸¸ ©¸º³ ˆÅú Š¸¡¸ú ¡¸¸ ¹¨¸Š¸÷¸ Ÿ¸½¿ ™¸½ß¸ú
œ¸¸¡¸½ ù¸¸›¸½ œ¸£ ˆÅú Š¸ƒÄ ‚›¸º©¸¸ç¸¹›¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ, ¡¸¹™ ˆÅ¸½ƒÄ, ˆÅ¸ ¹¨¸¨¸£μ¸
ç¸ú. œÏ÷¡¸¸©¸ú ˆ½Å ¹¨¸²Ö ‚¸œ¸£¸¹š¸ˆÅ Ÿ¸ºˆÅ™Ÿ¸½¿ Ÿ¸½¿ ¥¸¿¹ñ¸÷¸, ¡¸¸ ©¸º³ ˆÅú Š¸¡¸ú ¡¸¸ ¹¨¸Š¸÷¸ Ÿ¸½¿ ™¸½ß¸ú œ¸¸¡¸½ ù¸¸›¸½
œ¸£ ˆÅú Š¸ƒÄ ‚›¸º©¸¸ç¸¹›¸ˆÅ ˆÅ¸£Ä¨¸¸ƒÄ, ¡¸¹™ ˆÅ¸½ƒÄ ª¸½, ˆÅ¸ ¹¨¸¨¸£μ¸.
èú. Æ¡¸¸ œÏ÷¡¸¸©¸ú ˆ¿Åœ¸›¸ú ‚¹š¸¹›¸¡¸Ÿ¸,2013 (ˆ¿Åœ¸›¸ú ‚¹š¸¹›¸¡¸Ÿ¸,1956 ˆÅú š¸¸£¸ 274) ˆÅú š¸¸£¸ 164 Ÿ¸½¿
¹™¡¸½ Š¸‡ ‚›¸ºç¸¸£ ¹ˆÅç¸ú ð¸ú œÏˆÅ¸£ ‚¡¸¸½Š¡¸ ˆÅ£¸£ ¹™¡¸½ ù¸¸›¸½ ˆ½Å ¹¥¸‡ œ¸¸°¸ ª¾ ?
ƒÄ. Æ¡¸¸ œÏ÷¡¸¸©¸ú ¡¸¸ „œ¸£¸½Æ÷¸ II (ñ¸ú) ‡¨¸¿ (ç¸ú) Ÿ¸½¿ ¹™¡¸½ ‚›¸ºç¸¸£ ˆÅ¸½ƒÄ 縿瘸¸ ˆÅú 縣ˆÅ¸£ú ¹¨¸ð¸¸Š¸ ¡¸¸
‡ù¸½¿ç¸ú ׸£¸ ù¸¸¿ê¸ ˆÅú Š¸¡¸ú ªÿ?
‡ûÅ. Æ¡¸¸ œÏ÷¡¸¸©¸ú ˆÅ¸½ ç¸úŸ¸¸ ©¸º¥ˆÅ/„÷œ¸¸™ ˆÅ£/‚¸¡¸ ˆÅ£/¹¨¸™½©¸ú ¹¨¸¹›¸Ÿ¸¡¸ ‚›¡¸ £¸ù¸ç¨¸ ‚¹š¸ˆÅ¸¹£¡¸¸½¿
׸£¸ ¹›¸¡¸Ÿ¸¸½¿/¹¨¸¹›¸¡¸Ÿ¸¸½¿/¹¨¸š¸¸¡¸ú ‚œ¸½®¸¸‚¸½¿ ˆ½Å „¥¥¸¿‹¸›¸ ˆÅ¸ ™¸½ß¸ú œ¸¸¡¸¸ Š¸¡¸¸ ªÿ.
ù¸ú Æ¡¸¸ œÏ÷¡¸¸©¸ú ˆÅ¸½ ˆÅð¸ú 總ñ¸ú, ‚¸ƒÄ‚¸£èú‡, èúç¸ú‡, ‚¸£ñ¸ú‚¸ƒÄ, û½ÅŸ¸¸, ‡Ÿ¸ç¸ú‡, ¹ç¸¹ñ¸¥¸ ‚¸¹™ 總
œÏ¹÷¸ˆÞÅ¥¸ ›¸¸½¹’ç¸ œÏ¸œ÷¸ ªº‚¸ ª¾. (¡¸Ô¸¹œ¸ ‡ˆÅ œÏ÷¡¸¸©¸ú ˆ½Å ¹¥¸‡ ¹¨¸¹›¸¡¸¸Ÿ¸ˆÅ ׸£¸ œ¸¸¡¸½ Š¸‡ ¹›¸ßˆÅ߸¸½Ä
‡¨¸¿ „縈½Å ‚¸™½©¸¸½¿, ¹ù¸ç¸½ ñ¸¸™ Ÿ¸½¿ œ¸Þ£ú ÷¸£ª 總 ¹›¸²ç÷¸ ˆÅ£ ¹™¡¸¸ Š¸¡¸¸ ªÿ, ˆÅ¸ ˆÅ¸Á¥¸Ÿ¸ Ÿ¸½¿ „¥¥¸½‰¸
ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ ›¸ªì ª¸½Š¸¸, ÷¸˜¸¸¹œ¸ ¡¸¹™ ƒç¸½ Š¸ºμ¸ ™¸½ß¸ ˆ½Å ‚¸š¸¸£ œ¸£ ›¸ªì ñ¸¹¥ˆÅ ÷¸ˆÅ›¸úˆÅú
ˆÅ¸£μ¸¸½¿ ¡¸˜¸¸, œ¸¹£ç¸úŸ¸›¸, ›¡¸¸¡¸ ¹›¸μ¸Ä¡¸›¸ ˆÅú ˆÅŸ¸ú ‚¸¹™ 總 ¹›¸²ç÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸ ª¾ ÷¸¸½ ƒç¸ˆÅ¸
„¥¥¸½‰¸ ˆÅ£›¸¸ ‚¸¨¸©¡¸ˆÅ ª¸½Š¸¸. ¡¸¹™ ¹›¸¡¸¸Ÿ¸ˆÅ ˆ½Å ‚¸™½©¸ ˆÅ¸½ ‚瘸¸¡¸ú ²œ¸ 總 瘸¹Š¸÷¸ ¹ˆÅ¡¸¸ Š¸¡¸¸
ª¾ ‚¸¾£ ‚œ¸ú¥¸½’/›¡¸¸¡¸¸¥¸¡¸ ˆÅú ˆÅ¸£Ä¨¸¸ƒÄ ¥¸¿¹ñ¸÷¸ ª¾ ÷¸¸½ ƒç¸ˆÅ¸ ð¸ú „¥¥¸½‰¸ ¹ˆÅ¡¸¸ ù¸¸›¸¸ 길¹ª¡¸½).
V Ÿ¸™ I 總 III ÷¸ˆÅ ˆ½Å 縿ñ¸¿š¸ Ÿ¸½¿ ˆÅ¸½ƒÄ ‚›¡¸ 眸ߒúˆÅ£μ¸/ç¸Þ긛¸¸ ÷¸˜¸¸ „¹ê¸÷¸ ‡¨¸¿ „œ¸¡¸ºÆ÷¸ 縟¸å¸ú ù¸¸›¸½ ¨¸¸¥¸ú
ˆÅ¸½ƒÄ ‚›¡¸ ù¸¸›¸ˆÅ¸£ú.

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326 ¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 +HDG2IÀFHUnion Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai-400021.

PERSONAL INFORMATION, DECLARATION AND UNDERTAKING

(By Candidate)

Declaration & Undertaking by the Candidate with enclosures as appropriate as on ____/_____/2018

I. Personal details of Candidate

a. Full Name (in block capital letters)

Father’s Name (in Full)

b. Date of Birth (DD/MM/YYYY)

C. (GXFDWLRQDO4XDOLÀFDWLRQV

3OHDVH DWWDFK VHOI DWWHVWHG FRSLHV RI WKH FHUWLÀFDWHV VXSSRUWLQJ WKH
information)
d. Relevant Background and Experience
(As required under Section 9(3A) of the Banking Companies
(Acquisition of Undertakings) Act, 1970.

(Please indicate your experience relevant to the directorship of the

Bank.)
e. Permanent Address

f. Present Address

g. E-mail Address

Telephone Number (Landline)

Telephone Number (Mobile)

h. (1) Permanent Account Number under the Income Tax Act (Please
enclose a copy)

(2) Name and Address of the Income Tax Circle/Division where personal
WD[UHWXUQVDUHEHLQJÀOHG
i. Relevant knowledge and experience
(Refer Section 9 (3-A) of the Banking Companies (Acquisition &
Transfer of Undertakings) Act, 1970
j. Any other information relevant to Directorship of the Bank

II. Relevant Relationships of Candidate

a List of Relatives if any who are connected with the Bank

(Refer Section 2(77) of Companies Act, 2013 read with Rule 4 of
&RPSDQLHV6SHFLÀFDWLRQRI'HÀQLWLRQV'HWDLOV5XOHV>6HFWLRQ
and Schedule 1A of Companies Act 1956]
b. List of entities if any in which he/she is considered as being interested
(Refer Section 2 (49) and Section 184 of the Companies Act, 2013)
>6HFWLRQDDQG6HFWLRQRIWKH&RPSDQLHV$FW@
c. List of entities in which he/she is considered as holding substantial
interest within the meaning of Section 5(ne) of the Banking Regulation
Act, 1949, proposed and existing.


Annual Report 2017-2018 327

 d. Name of Bank in which he/she is or has been a member of the board
JLYLQJGHWDLOVRISHULRGGXULQJZKLFKVXFKRIÀFHZDVKHOG
e. Fund and non-fund facilities, if any, presently availed of by him/her and/
or by entities listed in II (b) and (c) above from the Bank
f. Cases, if any, where the Candidate or entities listed in II (b) and (c)
above are in default or have been in default in the past in respect of
credit facilities obtained from the bank or any other bank.
III 5HFRUGVRISURIHVVLRQDODFKLHYHPHQWV

a. Professional achievements relevant

IV 3URFHHGLQJVLIDQ\DJDLQVWWKH&DQGLGDWH

a. If the candidate is a member of a professional association/body, details

of disciplinary action, if any, pending or commenced or resulting in
conviction in the past against him/her or whether he/she has been
banned from entry of at any profession/occupation at any time.
b. Details of prosecution, if any, pending or commenced or resulting in
conviction in the past against the Candidate and/or against any of the
entities listed in II (b) and (c) above for violation of economic laws and
regulations.
c. Details of criminal prosecution, if any, pending or commenced or
resulting in conviction in the past against the Candidate.
d. :KHWKHUWKH&DQGLGDWHDWWUDFWVDQ\RIWKHGLVTXDOLÀFDWLRQVHQYLVDJHG
under Section 164 of the Companies Act 2013 (Section 274 of the
Companies Act, 1956)?
e. Has the Candidate or any of the entities at II (b) and (c) above been
subject to any investigation at the instance of Government department
or agency?
f. Has the Candidate at any time been found guilty of violation of rules/
regulations/ legislative requirements by customs/ excise /income tax/
foreign exchange /other revenue authorities, if so give particulars.
g Whether the Candidate at any time come to the adverse notice of a
regulator such as SEBI, IRDA, DCA, RBI, FEMA, MCA CIBIL etc.
(Though it shall not be necessary for a candidate to mention in the
FROXPQDERXWRUGHUVDQGÀQGLQJVPDGHE\UHJXODWRUVZKLFKKDYHEHHQ
later on reversed/ set aside in toto, it would be necessary to make a
mention of the same, in case the reversal/ setting aside is on technical
reasons like limitation or lack of jurisdiction, etc. and not on merit. If
the order of the regulator is temporarily stayed and the appellate/ court
proceedings are pending, the same also should be mentioned).

V Any other explanation / information in regard to items I to III and other

LQIRUPDWLRQFRQVLGHUHGUHOHYDQWIRUMXGJLQJÀWDQGSURSHU

UNDERTAKING

I ______________________________________________________________Son/ Daughter / Wife of Shri ________________________________________

BBBBBBBBBBBBBBBBFRQÀUPWKDWWKHDERYHLQIRUPDWLRQLVWRWKHEHVWRIP\NQRZOHGJHDQGEHOLHILVWUXHDQGFRPSOHWH,XQGHUWDNHWRNHHSWKH%DQN
fully informed, as soon as possible, of all events which take place subsequent to my appointment which are relevant to the information provided
above.

I also undertake to execute the deed of covenant required to be executed by all directors of the bank.

Place :

Date : Signature of Candidate



Enclosures:

328 Annual Report 2017-2018

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e¥€™ž†™: ubiinvestors@datamaticsbpm.com


¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 329

 +HDG2IÀFHUnion Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai-400021.

Dividend Mandate Form

{To be submitted to Registrar if shares are in physical form and
to the Depository Participant (DP) if shares are in demat/electronic form}.

Dear Sirs,

Subject: Instruction to update the Bank Account Details

1. First/Sole Shareholder’s Name

2. Folio No. (If shares are not dematerialized)
3. DPID / Client ID (If shares are dematerialized)
4. Particulars of Bank Account
4.1 Bank Name
4.2 Branch Name & Address with City PIN Code
4.3 Complete Account No. (as appearing on the Cheque Book)
4.4 Account Type (Saving/Current/Cash Credit)
4.5 IFSC (as appearing on the Cheque Book)
4.6 MICR Code (9 digit) (as appearing on the Cheque Book)

Please attach a photocopy of cheque leaf / blank cancelled cheque issued by your bank relating to your account
for verifying the details.
DECLARATION
I, hereby, declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for
reasons of incomplete or incorrect information, I would not hold the user institution responsible. I understand that the bank also
reserves the right to send the dividend payable to me by a physical warrant on account of any unforeseen circumstances beyond the
control of the Bank, that may affect the payment of dividend through electronic means.

Yours Faithfully,

(____________________________________)
Place : Signature of the First/Sole Shareholder
Date :
Encl.:

1. Self attested copy of PAN and

2. A original cancelled cheque leaf or attested Bank passbook of an active bank account showing name of account holder

Address of the Registrar:

Datamatics Business Solutions Ltd.
Unit : Union Bank of India,
Plot No. B-5, Part B,Crosslane,
MIDC, Andheri (East),
Mumbai-400 093.
Tel. No.:022-66712001- 6


E-mail Id:ubiinvestors@datamaticsbpm.com

330 Annual Report 2017-2018

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 Š™ž‚™„{™™„j¦|™žƒq™™‰™™ƒŒ™¥j¦™™{™™„–™…™Ÿuj¦™ž™ …™‡|{™Ø™}°™¢§™Ûƒ†™k™Ø™ƒ|™Œ}™™ƒzؙƒj¦‚™™Οf™€™«‰™Î‰‚™ƒ§Ø™l™Ø™”¦}™™ž‰™™žtzž|™žjž¦ƒ†™idƒ{™j¦Ø™|™ÎÛ Ο


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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018 331

 +HDG2IÀFHUnion Bank Bhavan, 239, Vidhan Bhavan Marg, Nariman Point, Mumbai-400021.

PROXY FORM (FORM ‘B’)

WREHÀOOHGLQDQGVLJQHGE\WKH6KDUHKROGHU

Regd. Folio
(If not dematerialised)
DP ID & Client ID
(If dematerialised)
I/We_____________________________________________________________________________________________________________resident(s)
of _____________________________________________________________ in the district of _______________________________________
in the state of__________________________________________ being a shareholder(s) of Union Bank of India, Mumbai hereby appoint
Shri/Smt._________________________________________________________ resident of _________________________________________
in the district of ___________________________________ in the state of ___________________________________or failing him / her,
Shri/ Smt. _______________________________________________________________resident of _____________________________ in the
district of ________________________________ in the state of________________________________________as my / our proxy to vote
for me / us and on my / our behalf at the16th Annual General Meeting of the shareholders of Union Bank of India to be held on
Wednesday, 27th June 2018 at 11.00 a.m. at Rama & Sundri Watumull Auditorium, K. C. College, Dinshaw Wachha Road,
Churchgate, Mumbai – 400020 and at any adjournment thereof.

Please
Signed this __________ day of ___________ 2018. $IÀ[
Revenue
Stamp
________________________ _________________________________
Signature of Proxy Signature of First named/Sole Shareholder

Name : _______________________________________________
Address :______________________________________________

INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

1. No instrument of proxy shall be valid unless
a) in the case of an individual shareholder, it is signed by him/her or his/her attorney, duly authorised in writing,
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2IÀFHURUDQ2IÀFHURI8QLRQ%DQNRI,QGLD
3. The proxy together with
a) the power of attorney or other authority (if any) under which it is signed, or
 E DFRS\RIWKHSRZHURIDWWRUQH\RUDXWKRULW\FHUWLÀHGE\D1RWDU\3XEOLFRUD0DJLVWUDWHVKRXOGEHGHSRVLWHGDWWKH+HDG2IÀFHRI8QLRQ
Bank of India with the Company Secretary, Investor Services Division, Union Bank of India, 12th Floor, Union Bank Bhavan, 239, Vidhan
Bhavan Marg, Nariman Point, Mumbai – 400021 not less than FOUR DAYS before the date of the Annual General Meeting i.e. on or before
the closing hours of the Bank i.e. 5.00 p.m. on Friday, 22nd June, 2018.
4. No instrument of Proxy shall be valid unless it is duly stamped.
 $QLQVWUXPHQWRISUR[\GHSRVLWHGZLWKWKH%DQNVKDOOEHLUUHYRFDEOHDQGÀQDO
6. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.
 7KHVKDUHKROGHUZKRKDVH[HFXWHGDQLQVWUXPHQWRISUR[\VKDOOQRWEHHQWLWOHGWRYRWHLQSHUVRQDWWKH$QQXDO*HQHUDO0HHWLQJWRZKLFKVXFK
instrument relates.
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332 Annual Report 2017-2018

 ΃„Ø™}™Î†™Š™ž‚™„{™™„j¦™«™žd}™Û†™ GREEN INITIATIVE - APPEAL TO SHAREHOLDERS
72*(7127,&(6$118$/5(32576 
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d}™|™žƒv€™žtk™™Ø™™«€™«e¥€™ž†™d™e¥vÛzq™¥j¦„«
㙙ŸƒØ™j¦“¦}™™žŠ™ž‚™„„k™|™ž‰™™†™žŠ™ž‚™„{™™„j¦™«™žd|™›„™ž{™Οƒj¦
‰™ž d}™|™Û™Î€™ƒØ™e™}™‘™jž¦|™Ûo™ž ƒz‚™ž l™‚™ž 㙙l™j¦™ž 㙄j¦„ؙy™™f™}™„
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to : Register an email ID their Demat A/c.
Shareholders holding Shares in Physical form are requested to:
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this communication to our Registrar & Share Transfer Agent at their
address given hereunder:

v™t™€™Ÿƒt§™ƒ…™ƒq™|™ž™™™ž†‚™œŠ™|™ƒ†™ Datamatics Business Solutions Ltd.

‚™œƒ|™t¡‚™œƒ|™‚™|™…™àj¦d™¢Ü¦e ƒv‚™™ Unit : Union Bank of India,
}†™™¢t|™ …™Û}™™t¥…™Û¨¦™¢™†™ž|™i€™d™e¥vۍ™Û Plot No.B-5, Part B, Crosslane,
d {™ž„Û}™œ‰™¥€™›€…™e¥ MIDC, Andheri (East), Mumbai-400 093.
Tel. No.:022-66712001- 6
tž†™Û¡
E-mail ID: ubiinvestors@datamaticsbpm.com
e¥€™ž†™¡ubiinvestors@datamaticsbpm.com

GREEN INITIATIVE OF UNION BANK OF INDIA
‚™œƒ|™‚™|™…™àj¦d™¢Ü¦e ƒv‚™™j¦Û΃„Ø™}™Î†™
Date :
ƒz|™™ j¦¡

v™t™€™Ÿƒt§™ƒ…™ƒq™|™ž™™™ž†‚™œŠ™|™ƒ†™ Datamatics Business Solutions Ltd.

‚™œƒ|™t¡‚™œƒ|™‚™|™…™àj¦d™¢Ü¦e ƒv‚™™ Unit : Union Bank of India,
}†™™¢t|™ …™Û}™™t¥…™Û¨¦™¢™†™ž|™i€™d™e¥vۍ™Û Plot No.B-5, Part B, Crosslane,
d {™ž„Û}™œ‰™¥€™›€…™e¥ MIDC, Andheri (East), Mumbai-400 093.
tž†™Û¡ Tel. No.:022-66712001- 6
e¥€™ž†™¡ubiinvestors@datamaticsbpm.com E-mail ID: ubiinvestors@datamaticsbpm.com

ƒ}°‚™€™Î™žz‚™ Dear Sir,

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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018
shares of Union Bank of India in physical form, intend to receive all
communication from Union Bank of India through our email ID given
KHUHXQGHUDVDSDUWRI*UHHQ,QLWLDWLYHXQGHU&RUSRUDWH*RYHUQDQFH
of Union Bank of India.
Folio Number:_________________________
Email ID ________________________________@__________________
I/We also undertake that the communication received through my/
RXUHPDLOLGZLOOEHWUHDWHGDVSURSHUOHJDODQGVXIÀFLHQWGHOLYHU\RI
documents sent to us by Union Bank of India. I/We further undertake
that we would not hold Union Bank of India, any of its employees,
Registrar or its employees, responsible in case of communication is
not properly received at my/our email ID due to any technical/other
failures.
_____________________________________
Signature of the First/Sole Shareholder
333
 ¢’œœ¸¢μ¸¡¸¸¿/NOTES

334 Annual Report 2017-2018

¢’œœ¸¢μ¸¡¸¸¿/NOTES

Annual Report 2017-2018 335

 ¢’œœ¸¢μ¸¡¸¸¿/NOTES

336 Annual Report 2017-2018

’¸ÁëˆÅŠ¸ ñ¸ºˆÅ ¥¸¸ƒñϽ£ú ‡¨¸¿ ‚¸Á¹è¡¸¸½ ¹£ˆÅ¸Á¹èôŠ¸ Talking Book Library and Audio Recording
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 縸½©¸¥¸ ûöŸ„¿è½©¸›¸ ›¸½ ´þß’-ñ¸¸¹š¸÷¸ ¥¸¸½Š¸¸½¿ ˆ½Å ¹¥¸‡ ý¨¡¸ 縸¹ª÷¡¸ Union Bank Social foundation has supported
National Association for the Blind, India for
(‚¸Á¹è¡¸¸½ ¹¥¸’£½ê¸£) ˆÅú 縺¹¨¸š¸¸ œÏ™¸›¸ ˆÅ£›¸½ ª½÷¸º ›¸½©¸›¸¥¸ ‚縸½¹©¸‡©¸›¸ ûŸÁ£ setting up Talking Book Library by facilitating
™ ñ¥¸¸ƒ¿è, ƒ¿¹è¡¸¸ ˆÅ¸½ ’¸ÁëˆÅŠ¸ ñ¸ºˆÅ ¥¸¸ƒñϽ£ú 瘸¸¹œ¸÷¸ ˆÅ£›¸½ Ÿ¸½¿ 縪¸¡¸÷¸¸ ˆÅú. audio recording of books for providing audio
›¸½©¸›¸¥¸ ‚縸½¹©¸‡©¸›¸ ûŸÁ£ ™ ñ¥¸¸ƒ¿è ˆÅ¸½ 踽›¸½©¸›¸ 긽ˆÅ œÏ™¸›¸ ˆÅ£›¸½ ˆ½Å literature to visually impaired people. An event
‚¨¸ç¸£ œ¸£ Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿ ‡ˆÅ 縟¸¸£¸½ª ˆÅ¸ ‚¸¡¸¸½ù¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸. was organized at Mumbai on the occasion of
presenting the donation cheque to National
Association for the Blind.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ - ›¸½©¸›¸¥¸ ‚縸½¹©¸‡©¸›¸ ûŸÁ£ ™ ñ¥¸¸ƒ¿è, Ÿ¸º¿ñ¸ƒÄ ˆ½Å ‚¹š¸ˆÅ¸¹£¡¸¸½¿ ˆ½Å 縸˜¸ ýú £¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú.,
œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸; ýúŸ¸÷¸ú Ÿ¸¸½¹›¸ˆÅ¸ ˆÅ¸¹¥¸¡¸¸, Ÿ¸ª¸ œÏñ¸¿š¸ˆÅ, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸;
ýú œ¸ú. ˆ½Å. ë縪, ç¸úƒÄ‚¸½, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ 縸½©¸¥¸ ûöŸ„¿è½©¸›¸ ’ïç’)

(Seen in the photograph are Shri Rajkiran Rai G., Managing Director & CEO, Union Bank of India,
Smt. Monika Kalia, General Manager, Union Bank of India, Shri P. K Singh, CEO, Union Bank Social
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 ðÏß’¸ê¸¸£ Ÿ¸ºÆ÷¸ 𸸣÷¸ Corruption Free India
¹™›¸¸¿ˆÅ 02.11.2017 ˆÅ¸½, ñ¸ÿˆÅ ׸£¸ ¨¸¸ƒÄ. ñ¸ú. 긨ª¸μ¸ ‚¸Á¹è’¸½¹£¡¸Ÿ¸, On 2.11.2017, Bank organized a Vigilance
Awareness program on the theme
›¸£úŸ¸›¸ œ¸¸Áƒ¿’, Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿ “Ÿ¸½£¸ ¥¸®¡¸-ðÏß’¸ê¸¸£ Ÿ¸ºÆ÷¸ 𸸣÷¸” ˜¸úŸ¸ “My Vision – Corruption Free India ” at
œ¸£ ç¸÷¸ˆÄÅ÷¸¸ ù¸¸Š¸³ˆÅ÷¸¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅ¸ ‚¸¡¸¸½ù¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸. ƒç¸ Y.B.ChavanAuditorium, Nariman Point, Mumbai.
ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅ¸ ‚¸¡¸¸½ù¸›¸ 30 ‚Æ’Þñ¸£, 2017 總 04 ›¸¨¸Ÿñ¸£, 2017 This function was organized on the occasion
÷¸ˆÅ Ÿ¸›¸¸‡ ù¸¸ £ª½ “ç¸÷¸ˆÄÅ÷¸¸ ù¸¸Š¸³ˆÅ÷¸¸ 縜÷¸¸ª” ˆ½Å „œ¸¥¸®¡¸ Ÿ¸½¿ of “Vigilance Awareness Week” observed from
¹ˆÅ¡¸¸ Š¸¡¸¸. è¸Á. ’ú ‡Ÿ¸ ð¸ ç¸ú›¸, ç¸÷¸ˆÄÅ÷¸¸ ‚¸¡¸ºÆ÷¸, ˆ½¿ÅÍú¡¸ ç¸÷¸ˆÄÅ÷¸¸ 30th October, 2017 to 4th November, 2017. Dr.
T M Bhasin, Vigilance Commissioner, Central
‚¸¡¸¸½Š¸, ›¸ƒÄ ¹™¥¥¸ú, ›¸½ œÏ¹÷¸ð¸¸¹Š¸¡¸¸½¿ ˆÅ¸½ ðÏß’¸ê¸¸£ Ÿ¸ºÆ÷¸ 縟¸¸ù¸ ˆ½Å Vigilance Commission, New Delhi, addressed
Ÿ¸ª÷¨¸, 縣ˆÅ¸£ ‡¨¸¿ ç¸ú¨¸úç¸ú ׸£¸ ðÏß’¸ê¸¸£ œ¸£ £¸½ˆÅ ¥¸Š¸¸›¸½ ˆ½Å ¹¥¸‡ the participants on importance of corruption
„¶¸‡ Š¸‡ ˆÅ™Ÿ¸ ÷¸˜¸¸ ƒç¸ ‚¹ð¸¡¸¸›¸ Ÿ¸½¿ œÏ÷¡¸½ˆÅ ›¸¸Š¸¹£ˆÅ ˆÅú ð¸Þ¹Ÿ¸ˆÅ¸ free society, initiatives taken by Government &
ˆÅ¸½ ¥¸½ˆÅ£ 縿ñ¸¸½¹š¸÷¸ ¹ˆÅ¡¸¸. ¹¨¸¹ð¸››¸ ñ¸ÿˆÅ¸½¿ ˆ½Å Š¸μ¸Ÿ¸¸›¡¸ ¨¡¸¹Æ÷¸¡¸¸½¿ ¡¸˜¸¸ CVC to curb corruption & role of every citizen
‡Ÿ¸èú ‡¨¸¿ ç¸úƒÄ‚¸½, ç¸ú‡Ÿ¸èú, ƒÄèú ‡¨¸¿ ‚›¡¸ ¨¸¹£ß¶ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ¸½¿ ›¸½ in this mission. Dignitaries from various Banks
viz. MD & CEOs, CMDs, EDs & other Senior
ƒç¸ 縟¸¸£¸½ª Ÿ¸½¿ 𸸊¸ ¹¥¸¡¸¸. Executives attended the function.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ- ™¸¡¸½¿ 總 ñ¸¸¡¸½¿, ýú è½¹¨¸è £ç¸¹ˆÅ›ª¸, ‡Ÿ¸èú, ‡þÆ縟¸ ñ¸ÿˆÅ; ýú ‡Ÿ¸. ˆ½Å. ù¸¾›¸, ‡Ÿ¸èú ‡¨¸¿ ç¸úƒÄ‚¸½,
ƒ¿¹è¡¸›¸ ñ¸ÿˆÅ; ýú £¸ù¸ú¨¸ †¹ß¸, ç¸ú‡Ÿ¸èú, 總¿’兩 ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸; ýú £¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú., ‡Ÿ¸èú ‡¨¸¿ ç¸úƒÄ‚¸½,
¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸; ýú ’ú. ‡Ÿ¸. ð¸ç¸ú›¸, ç¸÷¸ˆÄÅ÷¸¸ ‚¸¡¸ºÆ÷¸, ˆ½¿ÅÍú¡¸ ç¸÷¸ˆÄÅ÷¸¸ ‚¸¡¸¸½Š¸, ›¸ƒÄ ¹™¥¥¸ú; ýú ‚¹æ¸›¸ú ˆºÅŸ¸¸£,
ç¸ú‡Ÿ¸èú, ™½›¸¸ ñ¸ÿˆÅ ‡¨¸¿ ýú ‡Ÿ¸. ¨¸ú. ‡ç¸. ‡›¸. Ÿ¸Þ¹÷¸Ä, ç¸ú¨¸ú‚¸½, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸)
(Seen in the Photograph from left to right are Shri David Rasquinha, MD, Exim Bank, Shri M. K. Jain,
MD & CEO, Indian Bank, Shri Rajiv Rishi, CMD, Central Bank of India, Shri Rajkiran Rai G, MD&CEO,
Union Bank of India, Shri T. M. Bhasin, Vigilance Commissioner, Central Vigilance Commission, New
Delhi, Shri Ashwini Kumar, CMD,
Dena Bank and Shri M.V.S.N. Murthy, CVO, Union Bank of India)

¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

 ¡¸Þ¹›¸¡¸›¸ 縪¡¸¸½Š¸ ˆÅ¸ „™Ã‹¸¸’›¸ Union Sahyog Inaugration
𸸣÷¸ Ÿ¸½¿ ¹è¹ù¸’¥¸ œ¸¹£¨¸÷¸Ä›¸ ˆ½Å ‚¹ð¸¡¸¸›¸ ˆÅ¸½ Š¸¹÷¸ ™½›¸½ ˆÅú ¹™©¸¸ Ÿ¸½½¿, Driving the rollercoaster wave of India’s Digital
transformation, Bank on 13.10.2017 launched
ªŸ¸¸£½ ñ¸ÿˆÅ ›¸½ ¹™›¸¸¿ˆÅ 13.10.2017 ˆÅ¸½ ‚œ¸›¸½ ‡½œ¸ ¡¸Þ¹›¸¡¸›¸ 縪¡¸¸½Š¸
trailblazing innovation with the big launch of its
ˆ½Å ©¸ºð¸¸£¿ð¸ ׸£¸ œ¸˜¸ œÏ™©¸ÄˆÅ ›¸¨¸¸ê¸¸£ ˆÅú ©¸º³‚¸÷¸ ˆÅú, ¹ù¸ç¸ˆ½Å
app Union Sahyog, which caters to bring entire
׸£¸ ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ 縿œ¸Þμ¸Ä ñ¸ÿëˆÅŠ¸ 縺¹¨¸š¸¸‡¿ Ÿ¸¸½ñ¸¸ƒ¥¸ œ¸£ „œ¸¥¸ñš¸ ˆÅ£¸ƒÄ customer facing banking on the mobile. The
ù¸¸‡¿Š¸ú. ¡¸Þ¹›¸¡¸›¸ 縪¡¸¸½Š¸ ‡½œ¸, ñ¸ÿˆÅ ˆ½Å ¨¡¸¸œ¸ˆÅ ³œ¸ 總 „œ¸¥¸ñš¸ Union Sahyog App facilitates easy viewing of
„÷œ¸¸™¸½¿ ˆÅ¸½ ¹ª›™ú ‡¨¸¿ ‚¿ŠÏ½ù¸ú ™¸½›¸¸½¿ ªú ð¸¸ß¸¸‚¸½¿ Ÿ¸½¿ ™½‰¸›¸½ ˆÅú 縺¹¨¸š¸¸ the Bank’s extensive product offerings in both
œÏ™¸›¸ ˆÅ£÷¸¸ ª¾; ƒç¸ „Ó½©¡¸ ˆ½Å 縸˜¸ ¹ˆÅ ñ¸ÿˆÅ ˆ½Å ŠÏ¸ªˆÅ¸½¿ ÷¸˜¸¸ ‚›¡¸ English and Hindi language; seeking to serve
ŠÏ¸ªˆÅ¸½¿ ˆÅ¸½ „›¸ˆ½Å Ÿ¸¸½ñ¸¸ƒ¥¸ œ¸£ ª¸˜¸¸½¿-ª¸˜¸ 總¨¸¸ œÏ™¸›¸ ˆÅú ù¸¸ 縈½Å. hands-on convenience to our Bank‘s customers
and others on their mobile devices.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ- ýú £¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú., œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½; ýú £¸ù¸ ˆÅŸ¸¥¸ ¨¸Ÿ¸¸Ä ‡¨¸¿ ýú ‚÷¸º¥¸ ˆºÅŸ¸¸£ Š¸¸½¡¸¥¸,
ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ; ýú ‚¹›¸¥¸ ˆºÅŸ¸¸£ ¹Ÿ¸ý¸, ‚¸£ñ¸ú‚¸ƒÄ ›¸¸¹Ÿ¸÷¸ ¹›¸™½©¸ˆÅ; è¸Á. ˆ½Å. £Ÿ¸½©¸, ‚¿©¸-ˆÅ¸¹¥¸ˆÅ Š¸¾£-縣ˆÅ¸£ú ¹›¸™½©¸ˆÅ; è¸Á.
„¸ ˆºÅŸ¸¸£ 縣ˆÅ¸£, ©¸½¡¸£š¸¸£ˆÅ ¹›¸™½©¸ˆÅ ‡¨¸¿ ñ¸ÿˆÅ ˆ½Å ¨¸¹£ß¶ ˆÅ¸¡¸Äœ¸¸¥¸ˆÅŠ¸μ¸.)

(Seen in the photograph are Shri Rajkiran Rai G., Managing Director & CEO, Shri Raj Kamal
Verma & Shri Atul Kumar Goel, Executive Directors, Shri Anil Kumar Misra, RBI Nominee Director,
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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

瘸¸œ¸›¸¸ ¹™¨¸ç¸ Foundation Day
¹™›¸¸¿ˆÅ 11 ›¸¨¸Ÿñ¸£, 2017 ˆÅ¸½ ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸ ›¸½ ›¸½ª³ 總¿’£, Union Bank of India on November 11, 2017
celebrated its 99th Foundation Day at Nehru
Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿ ¹¨¸¹ð¸››¸ Š¸μ¸Ÿ¸¸›¡¸ ¨¡¸¹Æ÷¸¡¸¸½¿ ‡¨¸¿ ñ¸ÿˆÅ ˆ½Å 縟Ÿ¸¸¹›¸÷¸ ŠÏ¸ªˆÅ¸½¿ ˆÅú Centre, Mumbai in the august presence of
Š¸¹£Ÿ¸¸Ÿ¸¡¸ú „œ¸þ瘸¹÷¸ Ÿ¸½¿ ‚œ¸›¸¸ 99¨¸¸¿ 瘸¸œ¸›¸¸ ¹™¨¸ç¸ Ÿ¸›¸¸¡¸¸. ‚œ¸›¸½ 99¨¸½¿ various dignitaries and esteemed clients of
瘸¸œ¸›¸¸ ¹™¨¸ç¸ ˆ½Å ‚¨¸ç¸£ œ¸£, ñ¸ÿˆÅ ›¸½ 5 Ÿ¸©¸ªÞ£ ª¹ç÷¸¡¸¸½¿ ˆÅ¸½ ¥¸¸ƒûÅ the Bank. On its 99th Foundation Day, Bank
’¸ƒŸ¸ ‚ê¸ú¨¸Ÿ¸½¿’ ‚¨¸¸èÄ ç¸½ 縟Ÿ¸¸¹›¸÷¸ ¹ˆÅ¡¸¸ ¡¸˜¸¸ 縺ýú ¹Ÿ¸÷¸¸¥¸ú ™¸½£¸ƒÄ felicitated 5 distinguished personalities with
£¸ù¸ - ‰¸½¥¸, è¸Á. ‡Ÿ¸. ‚››¸¸™º£¸ƒÄ - ¹¨¸±¸¸›¸, Š¸º¿è½ê¸¸ ñÏ™ç¸Ä - 縿Š¸ú÷¸, Life Time Achievement Awards viz. Ms. Mithali
Dorai Raj – Sports, Dr. Mylswamy Annadurai
è¸Á. œÏˆÅ¸©¸ ñ¸¸ñ¸¸ ‚¸Ÿ¸’½ - 縸Ÿ¸¸¹ù¸ˆÅ ˆÅ¸¡¸Ä, è¸Á. ’ú. ƒÄ. – Science, Gundecha Brothers – Music, Dr.
„™¨¸¸¹è¡¸¸ - ¹ê¸¹ˆÅ÷縸. Prakash Baba Amte - Social Work, Dr. Tehemton
Erach Udwadia – Medicine.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ - ñ¸ÿˆÅ ׸£¸ ¥¸¸ƒûÅ ’¸ƒŸ¸ ‚ê¸ú¨¸Ÿ¸½¿’ ‚¨¸¸èÄ ç¸½ œ¸º£çˆ¼Å÷¸ Š¸μ¸Ÿ¸¸›¡¸¸½¿ ˆ½Å 縸˜¸,
ýú ¹¨¸›¸¸½™ ˆÅ˜¸Þ¹£¡¸¸, ˆÅ¸¡¸Äœ¸¸¥¸ˆÅ ¹›¸™½©¸ˆÅ, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸.)
(Seen in the Photograph is Shri Vinod Kathuria, Executive Director, Union Bank of India,
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¡¸Þ¹›¸¡¸›¸ „èõ¸›¸ Union Udaan
8 Ÿ¸¸ê¸Ä, 2018 ˆÅ¸½ Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿ ‚¸¡¸¸½¹ù¸÷¸ 𸨡¸ 縟¸¸£¸½ª Ÿ¸½¿ ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ Union Bank of India celebrated International
Women’s Day with gaiety and fervor at a
‚¸ÁûÅ ƒ¿¹è¡¸¸ ›¸½ „÷縸ª ‡¨¸¿ „¥¥¸¸ç¸ ˆ½Å 縸˜¸ ‚¿÷¸£¸Äß’ïú¡¸ Ÿ¸¹ª¥¸¸ glittering function held at Mumbai on 8th March
¹™¨¸ç¸ Ÿ¸›¸¸¡¸¸. ýúŸ¸÷¸ú ¹©¸‰¸¸ ©¸Ÿ¸¸Ä, œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½, 2018. Ms. Shikha Sharma, Managing Director
‡þÆç¸ç¸ ñ¸ÿˆÅ ƒç¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅú Ÿ¸º‰¡¸ ‚¹÷¸¹˜¸ £ªì. ˆÅ¸¡¸ÄÇÅŸ¸ ˆ½Å and CEO of Axis Bank, was the Chief Guest
Ÿ¸¸š¡¸Ÿ¸ 總 ˆÅŸ¸Ä길¹£¡¸¸½¿ Ÿ¸½¿ ‡ˆÅ Š¸¸¾£¨¸ ‡¨¸¿ 縪¡¸¸½Š¸ ˆÅú 𸸨¸›¸¸ ¹ê¸þ›ª÷¸ for the function. A feeling of pride and sense of
ªºƒÄ. ƒç¸ ‚¨¸ç¸£ œ¸£ ñ¸ÿˆÅ ›¸½ ¹¨¸¹ð¸››¸ ®¸½°¸¸½¿ Ÿ¸½¿ „œ¸¥¸þñš¸ ˆ½Å ¹¥¸‡ belongingness amongst the employees marked
the event. On this occasion, Bank felicitated
Ÿ¸¹ª¥¸¸‚¸½¿ ¡¸˜¸¸ 縺ýú ²ëœ¸™£ ñ¸£¸£ (‚¸ƒÄ‚¸£‡ç¸), 縺ýú Ÿ¸ºŸ¸÷¸¸Î¸ Women Achievers viz. Ms. Rupinder Brar
©¸½‰¸ (縸Ÿ¸¸¹ù¸ˆÅ ˆÅ¸¡¸ÄˆÅ÷¸¸Ä) ˆÅ¸½ 縟Ÿ¸¸¹›¸÷¸ ¹ˆÅ¡¸¸ ‡¨¸¿ "¡¸Þ¹›¸¡¸›¸ š¸¸£¸" ,560V0XPWD]6KDLNK6RFLDO:RUNHUDQG
ˆ½Å "Ÿ¸¹ª¥¸¸ ¹¨¸©¸½ß¸¸¿ˆÅ" ˆÅ¸ ¹¨¸Ÿ¸¸½ê¸›¸ ¹ˆÅ¡¸¸ Š¸¡¸¸. launched “Women’s special edition” of ‘Union
Dhara’.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ - ‚›¡¸ Š¸μ¸Ÿ¸¸›¡¸¸½¿ ˆ½Å 縸˜¸ ˆÅ¸¡¸ÄÇÅŸ¸ ˆÅú Ÿ¸º‰¡¸ ‚¹÷¸¹˜¸ - 縺ýú ¹©¸‰¸¸ ©¸Ÿ¸¸Ä, œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½,
‡¹Æç¸ç¸ ñ¸ÿˆÅ;‡¨¸¿ ýú £¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú., œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½, ¡¸Þ¹›¸¡¸›¸ ñ¸ÿˆÅ ‚¸ÁûÅ ƒ¿¹è¡¸¸.)
(Seen in the photograph are Ms. Shikha Sharma, Managing Director and CEO of Axis Bank,
Chief Guest for the function along with Shri Rajkiran Rai G., Managing Director & CEO, Union
Bank of India and other dignitaries.

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ñ¸ÿëˆÅŠ¸ ’½Æ›¸¸½¥¸¸Áù¸ú ‚¨¸¸èÄ Banking Technology Award
ñ¸ÿˆÅ ›¸½ ƒ¿¹è¡¸›¸ ñ¸ÿˆÅ ‚縸½¹©¸‡©¸›¸ (‚¸ƒÄñ¸ú‡) 總 ™¸½ ñ¸ÿëˆÅŠ¸ Bank won two Banking Technology Awards from
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’½Æ›¸¸½¥¸¸Áù¸ú ‚¨¸¸èÄ œÏ¸œ÷¸ ¹ˆÅ‡ - ñ¸½ç’ ûŸƒ›¸½¿¹ç¸¡¸¥¸ ƒ¹›¸¹©¸‡¹’¨ç¸ ,QFOXVLRQ,QLWLDWLYHV:LQQHUDQG%HVW3D\PHQW
(¹¨¸ù¸½÷¸¸) ‚¸¾£ ñ¸½ç’ œ¸½Ÿ¸½¿’ ƒ¹›¸¹©¸‡¹’¨ç¸ („œ¸-¹¨¸ù¸½÷¸¸). ýú
£¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú., ‡Ÿ¸èú ‡¨¸¿ ç¸úƒÄ‚¸½ ›¸½ ‚¸ƒÄñ¸ú‡ ׸£¸ Ÿ¸º¿ñ¸ƒÄ Ÿ¸½¿
‚¸¡¸¸½¹ù¸÷¸ ‡ˆÅ 𸨡¸ œ¸º£çˆÅ¸£ 縟¸¸£¸½ª Ÿ¸½¿ ¡¸½ œ¸º£çˆÅ¸£, ýú ‚¸£.
‚¸£. Š¸¸¿š¸ú, œ¸Þ¨¸Ä „œ¸-Š¸¨¸›¸Ä£, ‚¸£ñ¸ú‚¸ƒÄ ‚¸¾£ ýú ‚ù¸¡¸ ‡ç¸, 縹긨¸
‡Ÿ¸ƒÄ‚¸ƒÄ’ú¨¸¸¡¸ 總 œÏ¸œ÷¸ ¹ˆÅ¡¸¸.
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Managing Director & CEO received the award
from Shri R. Gandhi, Former Deputy Governor,
RBI and Shri Ajay Sawhney, Secretary MeitY at
the glittering award function organized by IBA at
Mumbai.

(÷¸ç¨¸ú£ Ÿ¸½¿ ¹™‰¸¸ƒÄ ™½ £ª½ ªÿ - ýú ‚¸£. Š¸¸¿š¸ú, œ¸Þ¨¸Ä „œ¸-Š¸¨¸›¸Ä£, ‚¸£ñ¸ú‚¸ƒÄ ‡¨¸¿ ýú ‚ù¸¡¸ ‡ç¸., 縹긨¸ ‡Ÿ¸ƒÄ‚¸ƒÄ’ú¨¸¸¡¸
總 œ¸º£çˆÅ¸£ œÏ¸œ÷¸ ˆÅ£÷¸½ ªº‡ ýú £¸ù¸¹ˆÅ£μ¸ £¾ ù¸ú., œÏñ¸¿š¸ ¹›¸™½©¸ˆÅ ‡¨¸¿ ç¸úƒÄ‚¸½)
(Seen in the photograph is Shri Rajkiran Rai G., Managing Director & CEO receiving the award from
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¨¸¸¹ß¸ÄˆÅ ¹£œ¸¸½’Ä 2017-2018

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