^^ eqjknkckn ds ifCyd Ldwyksa

esa v/;;ujr~ fo|kfFkZ;ksa dh

f'k{kk ij uksV canh ds izHkko
dk v/;;u **

vkbZ,QVh,e fo'ofo|ky;] eqjknkckn ds

,e-,M- mikf/k gsrq ¼y?kq 'kks/k
izcU/k½ dh
:ijs[kk
2017&18

'kks/k funsZf'kdk 'kks/kdrhZ

Mk0 uhrk xqIrk dq0 dapu

lgk;d izk/;kfidk] f'k{kk foHkkx ,eñ,Mñ ¼Nk=k½
vkbZ,QVh,e fo'ofo|ky; f}rh; o"kZ ¼prqFkZ
lsesLVj½
eqjknkckn vuqØekad&1625301
7

f'k{kk'kkL= foHkkx
vkbZ,QVh,e fo'ofo|ky;]
eqjknkckn
izLrkouk

Hkkjr ds 500 vkSj 1000 #i;s ds uksVksa ds

foeqæhdj.k] ftls ehfM;k esa NksVs :i esa uksVcanh

dgk x;k] dh ?kks"k.kk 8 uoEcj 2016 dks jkr vkB cts

¼vkbZ,lVh½ Hkkjrh; ç/kkuea=h ujsaæ eksnh }kjk

vpkud jk"Vª dks fd;s x, lEcks/ku ds }kjk dh x;hA ;g

lEcks/ku Vhoh ds }kjk fd;k x;kA bl ?kks"k.kk esa 8

uoEcj dh vk/kh jkr ls ns'k esa 500 vkSj 1000 #i;s ds

uksVksa dks [kRe djus dk ,syku fd;k x;kA bldk mís';

dsoy dkys /ku ij fu;a=.k gh ugha cfYd tkyh uksVksa ls

NqVdkjk ikuk Hkh FkkA

'kks/k leL;k dh i`"BHkwfe %

dqN [kcjksa ds vuqlkj] ;g ;kstuk Ng eghus igys

cuuh 'kq: gqbZ FkhA ljdkj ds bl QSlys dh tkudkjh dsoy

dqN yksxksa dks FkhA ;s yksx Fks& eq[; lfpo u`isaæ

feJk] iwoZ vkSj orZeku vkjchvkbZ xouZj] foÙk lfpo

v'kksd yoklk] vkfFkZd ekeyksa ds lfpo 'kfädkar nkl

vkSj foÙk ea=h v#.k tsVyhA ;kstuk dks ykxw djus dh

çfØ;k nks eghus igys 'kq: gqbZ FkhA

leL;k dFku %

'kks/kdrhZ us vius 'kks/kdk;Z ds fy;s tks leL;k

pquh gS mldk 'kh"kZd gS& ^^eqjknkckn ds ifCyd

Ldwyksa esa v/;;ujr~ fo|kfFkZ;ksa dh f'k{kk ij

uksV canh ds izHkko dk v/;;u**

izLrqr 'kks/k v/;;u ds mís'; %

 uksVcanh ds dkj.k cPpksa dks fo|ky; dk 'kqYd tek

djus esa gksus okyh dfBukbZ dk v/;;u djukA

 cPpksa dks ikSf"Vd Hkkstu nsus esa gksus okyh

dfBukbZ dk v/;;u djukA

 udn eqnzk izkIr djus esa gksus okyh dfBukbZ dk

v/;;u djukA

 le; ij udn eqnzk esa osru etnwjh feyus esa gksus

okyh dfBukbZ dk v/;;u djukA

 ikB~;&lkexzh Ø; djus esa gksus okyh dfBukbZ dk

v/;;u djukA

çLrqr 'kks/k v/;;u dh ifjdYiuk %

ifjdYiuk dk 'kkfCnd vFkZ iwoZ&fpUru gSA ifjdYiuk

vuqla/kku dh çfØ;k dk nwljk egRoiw.kZ LrEHk gSA bl

'kks/k dk;Z dh leL;k ds fo'ys"k.k vkSj ifjHkk"khdj.k ds

ckn mlesa dkj.kksa rFkk dk;Zdkj.kksa ds lanHkZ esa

iwoZ fpUru dj fn;k x;k gSA ;g 'kks/kdk;Z fuEufyf[kr

ifjdYiukvksa ij vkfJr gSa&

1- uksVcanh ds dkj.k cPpksa dks fo|ky; dk 'kqYd tek

djus esa gksus okyh dfBukbZ esa dksbZ lkFkZd

vUrj ugha ik;k tkrk gSA

2- cPpksa dks ikSf"Vd Hkkstu nsus esa gksus okyh

dfBukbZ esa dksbZ lkFkZd vUrj ugha ik;k tkrk

gSA

3- udn eqnzk izkIr djus esa gksus okyh dfBukbZ esa

dksbZ lkFkZd vUrj ugha ik;k tkrk gSA

4- le; ij udn eqnzk esa osru ;k etnwjh feyus esa

gksus okyh dfBukbZ esa dksbZ lkFkZd vUrj ugha

ik;k tkrk gSA

5- ikB~;&lkexzh Ø; djus esa gksus okyh dfBukbZ

esa dksbZ lkFkZd vUrj ugha ik;k tkrk gSA

çLrqr 'kks/k v/;;u dk ifjlhekadu %

le;] /ku ,oa lalk/kuksa dh miyC/krk ds vk/kkj ij

'kks/k v/;;u dks fuEu {ks=ksa esa lhfer fd;k x;k gS&
1- çLrqr 'kks/k v/;;u eqjknkckn tuin rd lhfer fd;k

x;k gSA

2- çLrqr 'kks/k v/;;u eqjknkckn tuin ds eqjknkckn

rglhy rd lhfer fd;k x;k gSaA

3- çLrqr 'kks/k v/;;u eqjknkckn tuin ds eqjknkckn

rglhy ds futh fo|ky;ksa rd lhfer fd;k x;k gSA

4- çLrqr 'kks/k v/;;u eqjknkckn tuin ds eqjknkckn

rglhy ds futh fo|ky;ksa esa cPpksa ds

vfHkHkkodksa o fo|ky; iz'kklu rd lhfer fd;k x;k

gSA

5- çLrqr 'kks/k v/;;u eqjknkckn tuin ds eqjknkckn

rglhy ds futh mPp ek/;fed Lrj ds fo|ky;ksa dh

f'k{kk rd lhfer fd;k x;k gSA

lEcfU/kr 'kks/k lkfgR; dk v/;;u

vuqla/kku pkgs fdlh Hkh {ks= dk gks mldk y{;

lEcfU/kr {ks= esa vuqRrfjr iz'ukas ds mRrj [kkstuk]

orZeku leL;kvksa ds lek/kku [kkstuk] fojks/kh

fl)kUrksa dh lR;rk dks ij[kuk] uohu izo`fÙk;ksa ,oa

y{;ksa dh [kkst djuk] thou ,oa mldk ifjos'k ls lEcfU/kr

vf/kd ls vf/kd tkudkjh izkIr djuk vkfn gksrk gSA ekuo

dh blh izo`fÙk ds QyLo:i Kku dh vtL= /kkjk izokfgr

gqbZ rFkk lfn;ksa ls mldk ;g Øe pyk vk jgk gSA Kku

dh ;g izfØ;k vuUr gSA tc rd /kjk ij ekuo thou gS

mldh ;g Kku fiiklk dHkh lekIr ugha gksxhA ^^D;k

gS** ^^dSls gS** ^^D;ksa gS** D;k gksuk pkfg,]

dSls gksuk pkfg,A bu iz'uksa ls f?kjk ekuo thou lnSo

ftKklq jgk gSA

'kks/k v/;;u ds midj.k %

çR;sd v/;;u dh fo'oluh;rk ds fy;s ;g vko';d gS fd

mfpr vk¡dM+ksa dk ladyu fd;k tk;sA ;g vk¡dM+s ge

fofHkUu ç.kkfy;ksa lk/kuksa ls çkIr djrs gSaA tks ;U=

lk/ku dh rjg ç;qä fd;s tkrs gS mUgsa gh ifjHkkf"kr

'kCnkoyh esa midj.k dgrs gSa ;g lk/ku ;k midj.k bl

çdkj gSa&

1- ç'ukoyh] vuqlwph] pkSd fyLV] fu/kkZj.k ekiuh]

çkIrkad i=] erkoyh vkfnA

2- voyksdu

3- lk{kkRdkj

4- lektfefr fof/k

5- euksoSKkfud ijh{k.k

fo"k; dh vko';drkuqlkj mi;qZä esa ls fdlh Hkh ,d

lk/ku ls ,df=r fd;s tk ldrs gSa A 'kks/kdrhZ us lHkh

fof/k;ksa ,oa lk/kuksa ds v/;;u ds mijkUr gh fo"k; dh

vko';drkuqlkj ç'ukoyh lk/ku dks viuk;k gSA lk{kkRdkj

fof/k Hkh viuk;h tk ldrh Fkh ysfdu 'kks/kdrhZ le; dk

vHkko gksus ds dkj.k ml fof/k dks viuk u ldhA

ijh{k.k çfØ;k %

eqjknkckn tuin ds eqjknkckn rglhy ds vUrxZr

vkus okys ykbZuikj ea>ksyk] ikdcM+k rFkk flfoy

ykbUl vkfn {ks=ksa esa Hkze.k&eqjknkckn tuin ds

eqjknkckn rglhy ds vUrxZr vkus okys ykbZuikj

ea>ksyk] ikdcM+k rFkk flfoy ykbUl vkfn {ks=ksa esa

'kks/kdrhZ Loa; xbZ tgk¡ ls fd mUgsa ç'ukoyh dk

mÙkj ysuk FkkA rFkk gj lEHko rjhds ls Nk=ksa ls lEidZ

LFkkfir fd;k rFkk mu ij vkj{k.k ds ek/;e ls tks çHkko

gq, gSa mUgsa Kkr djus dk ç;kl fd;k x;k ftlesa mudk

lg;ksx feyk rFkk bl 'kks/k dk;Z dks djus esa dqN

dfBukbZ;ksa dk lkeuk Hkh bl dk;Z esa djuk iM+kA bl

dk;Z dks lEikfnr djus esa yxHkx nks eghus yx x;sA

fu"d"kZ ,oa lq>ko

fiNys v/;k; esa fn;s x;s leadksa dh O;k[;k ls

fuEufyf[kr fu"d"kZ çkIr gksrs gSa&

1- uksVcUnh ds dkj.k vfHkHkkodksa dks fo|ky; dk

'kqYd tek djus esa Hkh dfBukbZ dk vuqHko djuk

iM+kA vfHkHkkodx.k udnh tqVkus esa iw.kZ :i ls

lQy ugha gks lds ftlls fd mUgsa fofHkUu çdkj dh

leL;kvksa dk lkeuk djuk iM+kA 'kks/k ijh{k.k ds

 vk/kkj ij 50 izfr'kr vfHkHkkod bl ckr ls lger Fks

tcfd 20 izfr'kr vlger Fks tcfd 30 izfr'kr tokc nsus

esa vleFkZ FksA

2- vfHkHkkodx.k udnh tqVkus esa iw.kZ :i ls lQy

ugha gks lds ftlls fd bldk çHkko cPpksa dh vko';d

ikBî&lkexzh ij Hkh iM+kA os iw.kZ :i ls

ikBî&lkexzh le; ij miyC/k ugha djk ldsA 'kks/k

ijh{k.k ds vk/kkj ij 46 izfr'kr vfHkHkkod bl ckr ls

lger gS 26 izfr'kr vgler Fks tcfd 28 izfr'kr tokc

nsus esa vleFkZ FksA

3- uksVcUnh ds dkj.k fo|ky; ds fuokl LFkku ls nwj

gksus dh n'kk esa okgu lEcU/kh leL;kvksa dk

lkeuk Hkh djuk iM+k D;ksafd okgu pkydksa dks

le; ij Hkqxrku ugha dj ik, D;ksafd mfpr ek=k esa

udnh ugha Fkh vkSj bl otg ls okgu ls tkus esa

dfBukbZ dk lkeuk djuk iM+kA 'kks/k ijh{k.k ds

vk/kkj ij 38 izfr'kr vfHkHkkod bl ckr ls lger Fks]

 30 izfr'kr vlger Fks vkSj 32 izfr'kr tokc nsus esa

vleFkZ FksA

4- udnh ds vHkko ds dkj.k le; ij ikBî lgxkeh fØ;kvksa

ds 'kqYd tek djus esa Hkh dfBukbZ dk vuqHko

djuk iM+kA vkt ds le; esa fo|ky; 'kqYd ds lkFk

lkFk vU; 'kqYd Hkh futh fo|ky;ksa }kjk fy;s tkrs

gSa tks ç;ksxkRed dk;ksaZ o vU; [ksydwnksa ls

lEcfU/kr gksrs gSaA uksVcanh ds dkj.k mudk

Hkqxrku Hkh le; ij ugha gks ik;kA 'kks/k ijh{k.k

ds vk/kkj ij 58 izfr'kr vfHkHkkod bl ckr ls lger Fks]

15 izfr'kr vlger Fks vkSj 27 izfr'kr tokc nsus esa

vleFkZ FksA

5- uksVcUnh ds dkj.k udnh dh cM+h leL;k mRiUu

gqbZ rFkk udnh ds vHkko ds dkj.k cPpksa dks

'khrdkyhu fo|ky; ;wuhQkWeZ fnykus esa Hkh

dfBukbZ dk lkeuk djuk iM+k D;ksafd uksVcanh

dk QSlyk 'khr _rq esa vk;k rks blus bl leL;k dks

Hkh mRiu fd;kA 'kks/k ijh{k.k ds vk/kkj ij 56

 izfr'kr vfHkHkkod bl ckr ls lger Fks] 18 izfr'kr

vlger Fks vkSj 26 izfr'kr tokc nsus esa vleFkZ

FksA

'kks/k v/;;u dk 'kSf{kd fufgrkFkZ %

fdlh Hkh {ks= esa fd;k x;k dksbZ 'kks/kdk;Z rc rd

O;FkZ gS tc rd mlls çkIr ifj.kke ml {ks= esa dke u vk

ldsA 'kks/kdrhZ us viuk dk;Z{ks= f'k{kk lEcU/kh fy;k

gS D;ksafd mldh :fp bl {ks= esa igys ls gh gSA gekjs

ns'k esa yk[kksa fo|ky; gSa vkSj buesa dk;Zjr

f'k{kdkas dh Hkh la[;k yk[kksa gaS ;fn buesa lEcaf/kr

'kks/k fd;k tk;s rks blesa yk[kksa f'k{kd çHkkfor

gksaxs vkSj vius dk;Z dks Js"Bk ls dj ldsaxsA ;|fi

f'k{kk dk dk;Z O;kid gS vkSj bls lhekafdr ugha fd;k tk

ldrk fQj Hkh 'kks/kdrhZ us f'k{kk ds çR;{k Hkkx dks

f'k{k.k ls lEcfU/kr fy;k x;k gSA

lanHkZ xzUFk lwph

 pkScs] ,l0ih0 f'k{kk ds nk'kZfud] ,sfrgkfld ,oa

lekt 'kkL=h; vk/kkj] esjB b.Vjus'kuy ifCyf'kax

gkml] 1990

 dfiy] ,p0ds0 & vuqla/kku fof/k;k¡] vkxjk fouksn

iqLrd

 jk;] ih0,u0 vuqla/kku ifjp;] y{eh ukjk;.k

vxzoky]1993

 loZ f'k{kk vfHk;ku ¼2012½ ekud lalk/ku fodkl

ea=ky; izkjfEHkd f'k{kk ,oa lk{kjrk foHkkx ubZ

fnYyhA

 Trends and Progress of Banking in India, RBI, 1912-2013

 Trends and Progress of Banking in India, RBI, 1999-2000

 Trends and Progress of Banking in India, RBI, 2009-2010

 Trends and Progress of Banking in India, RBI, 2015-2016

 Trends and Progress of Banking in India, RBI,2000-2001

 Trends and Progress of Banking in India, RBI,2001-2002

 Trends and Progress of Banking in India, RBI,2010-2011

 Trends and Progress of Banking in India, RBI,2014-2015