Central Bank of India-Annual-Reporrt-2018-2019 PDF

Jeeef<e&keÀ efjHeesì& 2018-19
Deveg¬eÀceefCekeÀe / INDEX
efJe<e³e met®eer / He=þ ke´À.
Contents Page No.
DeO³e#e keÀe mebosMe 2
heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀe mebosMe 4
efveosMekeÀ ceb[ue / Board of Directors 7
met®evee 9
keÀe³e&efve<Heeove JewefMeäîe 17
efveosMekeÀ efjheesì& 2018-19 18
meef®eJeer³e uesKee hejer#ee efjheesì& 23
meef®eJeer³e Devegheeueve efjheesì& 27
heýebOeleb$e efJe®eej SJeb efJeMues<eCe 28
keÀe@heexjsì ieJeveXme 63
meom³eesb keÀes uesKee Hejer#ekeÀeW keÀer efjHeesì& 84
efoveebkeÀ 31 cee®e&, 2019 keÀe mebef#eHle legueve He$e 91
efoveebkeÀ 31 cee®e&, 2019 keÀes meceeHle Je<e& kesÀ efueS mebef#eHle ueeYe Je neefve Keelee 92
legueve He$e leLee ueeYe-neefve Keeles keÀer Devegmetef®e³eeB 93
cenlJeHetCe& uesKeebkeÀve veerefle³eeb 99
uesKeeW mes mebyebefOele efìHHeefCe³eeb 104
efoveebkeÀ 31 cee®e&, 2019 keÀes meceeHle Je<e& kesÀ efueS vekeÀo ÒeJeen efJeJejCeer 130
efoveebkeÀ 31 cee®e&, 2019 keÀes mecesefkeÀle legueve He$e 161
Òee@keÌmeer HeÀece& 189
GHeefmLeefle He®eea / ÒeJesMe Heeme 191
Chairman’s Message 193
Managing Director and Chief Executive Officer’s Message 195
Notice 197
Performance Highlights 205
Director’s Report 2018-19 206
Secretarial Audit Report 211
Secretarial Compliance Report 215
Management Discussion & Analysis 216
Corporate Governance 249
Auditors’ Report to the Members 269
Balance Sheet as at 31 March, 2019 276
Profit & Loss Account for the year ended 31 March, 2019 277
Schedules to Balance Sheet and Profit & Loss Account 278
Significant Accounting Policies 284
Notes Forming part of the Accounts 289
Cash Flow Statement for the year ended 31 March, 2019 313
Consolidated Balance Sheet as at 31 March, 2019 344
Proxy Form 371
Attendance Slip / Entry Pass 373
1
DeO³e#e keÀe mebosMe

efhe´³e mìskeÀ OeejkeÀ,
efheíues kegÀí Je<eeX ceW yeQeEkeÀie GÐeesie SkeÀ keÀefþve oewj mes iegpeje nw, efpemeceW Fme GÐeesie mes pegæ[er keÀF& ®egveewefle³eeW keÀe meecevee keÀjvee heæ[e nw. leLeeefhe, Deeies yeæ{ves hej megjbie
kesÀ Deble ceW DeeMee keÀer SkeÀ PeuekeÀ Yeer efoKeeF& osleer nw keÌ³eeWefkeÀ kegÀí mece³e henues ngF& GLeue-hegLeue Meeble nesleer he´leerle nes jner nw. keÀcepeesj Deeeqmle³eeW keÀer keÀebìeW Yejer
jen mes efveheìves keÀer heéf¬eÀ³ee peejer nw. keÀe@heexjsì oyeeJeie´mle Deeeqmle³eeW kesÀ meceeOeeve keÀer leerJe´ ieefle Deewj Ieìles ngS veS Kejeye $eÝCeeW kesÀ keÀejCe yeQeEkeÀie GÐeesie kesÀ efueS
Je<e& 2019-20 nj lejn mes mekeÀejelcekeÀ jnves keÀer mebYeeJevee nw. keÀcepeesj Deeeqmle³eeW ceW keÀceer nesves mes meeJe&peefvekeÀ #es$e kesÀ yeQkeÀeW kesÀ efueS Del³eble DeeJeM³ekeÀ hetbpeer,
cegÊeÀ nesieer Deewj yeQkeÀeW keÀer $eÝCe osves keÀer #ecelee ceW Je=ef× nesieer. meeLe ner, Fme #es$e hej efve³eecekeÀ efveiejeveer, yeepeej ceW ¬eÀefcekeÀ efJekeÀeme nsleg Dehesef#ele DevegMeemeve keÀes
efvemmebosn megefveeq½ele keÀjsieer.
GVele Deewj GYejleer DeLe&J³eJemLeeDeeW kesÀ keÀF& keÀejkeÀeW kesÀ heefjCeecemJe©he Je<e& 2018 ceW efJeée DeLe&J³eJemLee ceW ceboer efoKeeF& oer. hećegKe ©he mes, JeweféekeÀ DeLe&J³eJemLee ceW
J³eehle J³eeheej mebj#eCeJeeo leLee Dev³e Deefveeq½eleleeDeeW ceW nes jner Je=ef× kesÀ keÀejCe hećegKe Debleje&äêr³e SpeWefme³eeW Üeje Je<e& 2019 kesÀ efueS Je=ef× DevegceeveeW keÀes keÀce efkeÀ³ee
ie³ee nw. Iejsuet cees®ex hej, DeLe&J³eJemLee ves neue keÀer efleceeefn³eeW ceW ceO³ece mebkesÀle efoS nQ. Je<e& 2018 kesÀ Debeflece leerve cenerveeW ceW Yeejleer³e DeLe&J³eJemLee 6.6 heéfleMele
Jeee|<ekeÀ oj mes Deeies yeæ{er, pees efheíueer DeJeefOe ceW mebMeesefOele 7 heéfleMele efJemleej Deewj 6.9 heéfleMele keÀer yeepeej keÀer GcceeroeW Deewj Je<e& 2017 keÀer leermejer efleceener ceW
7.3 heéfleMele keÀer leguevee ceW veer®es Leer, pees keÀcepeesj GheYeesÊeÀe ceebie kesÀ keÀejCe heeb®e efleceeefn³eeW ceW meyemes keÀce Je=ef× oj jner nw. Deehete|le mebyebOeer eE®eleeDeeW kesÀ keÀejCe
ye´svì Dee@³eue keÀer keÀercele DeÊetÀyej 2018 ceW heéfle yewjue $ 80 lekeÀ hengb®e ie³eer, efpemeves Yeejle keÀer ®eeuet Keelee Mes<e jeefMe keÀes heÝeeefJele efkeÀ³ee. Yeejleer³e efj]peJe& yeQkeÀ ves
Dehe´wue, 2019 kesÀ Deheves ceewefêkeÀ veerefle JeÊeÀJ³e ceW Je<e& 2019-20 ceW Yeejle kesÀ mekeÀue Iejsuet Glheeo ceW 7.2% Je=ef× keÀe Devegceeve ueiee³ee nw.
Yeejleer³e yeQeEkeÀie #es$e ceW efheíues kegÀí Je<eeX kesÀ oewjeve cenÊJehetCe& megOeej nesves kesÀ meeLe-meeLe lekeÀveerkeÀer heíeefle Deewj lekeÀveerkeÀer kegÀMeue ceeveJe mebmeeOeveeW kesÀ keÀejCe
GYejleer efHeÀve ìskeÀ kebÀheefve³eeW, Yegieleeve yeQkeÀeW mes yeQeEkeÀie GÐeesie ceW heéflemheOee& ceW GuuesKeveer³e Je=ef× ngF& nw. efJeMeeue [sìe keÀe ueeYe Gþevee, SveeefueefìkeÌme, Deee|ìefHeÀefMe³eue
FbìsefuepeWme Deeefo kesÀ yeæ{les Ghe³eesie kesÀ meeLe ef[efpeìueerkeÀjCe yeQeEkeÀie mheskeÌì^ce ceW ®eejeW Deesj J³eehle nw, pees Deepe mece³e keÀer ceebie Yeer nw. nceejs yeQkeÀ ves heefj®eeueve
o#elee yeæ{eves Deewj peesefKece keÀes keÀce keÀjles ngS heefj®eeueve ueeiele keÀes Ieìeves kesÀ efueS lekeÀveerkeÀer ®egveewleer keÀes mener DeLeeX ceW Dehevee³ee nw. FmekeÀe GÎsM³e Debleleë,
yesnlej mesJeeDeeW kesÀ ceeO³ece mes ieénkeÀeW keÀes ueeYeeeqvJele keÀjvee nw. nceeje yeQkeÀ ieénkeÀ keÀer efvejblej yeæ{leer Dehes#eeDeeW kesÀ heéfle hetCe& ©he mes me®esle nw keÌ³eeWefkeÀ yeQeEkeÀie
heefjJesMe ceW heéwÐeesefiekeÀer DeeOeeefjle efJeMes<e%elee ceW lespeer peejer nw.
iewj-efve<heeokeÀ Deeeqmle³eeb (SveheerS), yeQeEkeÀie GÐeesie kesÀ efueS SkeÀ hećegKe ®egveewleer nQ. yeQeEkeÀie megOeejeW, efJeMes<e leewj hej hejsMeeveer keÀe keÀejCe yeveves Jeeues SveheerS kesÀ
meceeOeeve nsleg efoJeeuee Deewj efoJeeefue³eeheve mebefnlee (DeeFyeermeer) keÀer Meg©Deele ves SkeÀ ve³eer DeeMee peeie=le keÀer nw. DeeFyeermeer heéf¬eÀ³ee mes meeceves DeeS heéjbefYekeÀ heefjCeece
GlmeenpevekeÀ nQ Deewj nceW Jele&ceeve efJeÊeer³e Je<e& 2019-20 kesÀ oewjeve DeeFyeermeer kesÀ lenle SvemeerSueìer kesÀ ceeO³ece mes cenÊJehetCe& SveheerS KeeleeW kesÀ meceeOeeve keÀer
Gcceero nw. nceves SveheerS keÀer ®egveewleer mes efveheìves kesÀ efueS SkeÀ yeng-Dee³eeceer jCeveerefle Dehevee³eer nw Deewj Fme jCeveerefle kesÀ ceeO³ece mes GuuesKeveer³e ueeYe heéhle keÀjves kesÀ
heéfle nce Deeéemle nQ.
nceves ¬esÀef[ì, ì^spejer, peesefKece heýebOeve, met®evee heéwÐeesefiekeÀer leLee SveeefueefìkeÌme pewmes #es$eeW ceW ³eLeesef®ele meeJeOeeveer, %eeve Deewj keÀewMeue ceW Je=ef× keÀjves mes mebyebefOele cegÎeW
keÀe meceeOeeve efkeÀ³ee nw. Yeejle mejkeÀej Üeje yeæ[s hewceeves hej ef[efpeìueerkeÀjCe keÀes efoS pee jns meceLe&ve Deewj heéslmeenve keÀes osKeles ngS nceejs yeQkeÀ ves Yeer Gmeer jCeveerefle
2
keÀes Dehevee³ee nw. efkeÀmeer Yeer meMeÊeÀ mebmLee kesÀ efueS ceeveJe mebmeeOeve SkeÀ DeefveJee³e& lelJe nw Deewj nceeje yeQkeÀ ceeveJe mebmeeOeve keÀer heíeefle keÀes Dehesef#ele cenÊJe osvee
peejer jKesiee. cegPes efJeéeeme nw efkeÀ meYeer cenÊJehetCe& #es$eeW hej O³eeve kesÀeqvêle keÀjves kesÀ nceejs he´³eemeeW Üeje nce MeerIe´ ner Fme keÀefþve oewj mes GYej keÀj efvekeÀueWies Deewj Je<e&
2019-20 ceW neefve keÀer eqmLeefle mes Yeer yeenj DeeSbies.
peneb lekeÀ keÀe@heexjsì ieJeveXme keÀe mebyebOe nw, efveosMekeÀ ceb[ue, yeQkeÀ keÀer Jeefjÿ heýebOeve ìerce keÀe efvejblej ceeie&oMe&ve keÀjles nQ leeefkeÀ GvnW J³eeJemeeef³ekeÀ ue#³eeW Deewj
GÎsM³eeW keÀes mLeeefhele keÀjves ceW mene³elee efceues, pees yeQkeÀ keÀes SkeÀ meg¢æ{ efJekeÀeme heLe hej Deie´mej keÀjves ceW mene³ekeÀ nes. keÀe@heexjsì ieJeveXme ves meowJe Fme yeele keÀes cenÊJe
efo³ee nw efkeÀ J³eJemee³e kesÀ meb®eeueve ceW veweflekeÀ he´LeeDeeW keÀe DevegmejCe keÀjles ngS leLee he´keÀìerkeÀjCe SJeb heejoe|Melee kesÀ G®®e ceevekeÀeW keÀes yeveeS jKeles ngS mìskeÀ OeejkeÀ
cetu³e keÀes DeefOekeÀlece efkeÀ³ee peeS. yeQkeÀ ves DeefOeMeemeve keÀer meJeexÊece he´LeeDeeW Deewj ceevekeÀeW keÀes Dehevee³ee nw, efpevekeÀer efveiejeveer yees[& keÀer efJeefYeVe meefceefle³eeW Üeje keÀer
peeleer nw.
Deble ceW, ceQ Deheves ieénkeÀeW keÀes Oev³eJeeo oslee ntb efpevneWves Dev³e GheueyOe efJekeÀuheeW kesÀ yeeJepeto Deheves hemeboeroe mesJee heóelee kesÀ ©he ceW nceeje ®e³eve efkeÀ³ee Deewj ceQ Deheves
meYeer mìskeÀ OeejkeÀeW kesÀ heéfle Yeer DeeYeej he´keÀì keÀjlee ntb efpevneWves nceejs meYeer he´³eemeeW keÀes Dehevee efvejblej meceLe&ve efo³ee nw.
MegYekeÀeceveeDeeW meefnle,
DeehekeÀe,
nmle/-
leheve je³e
mLeeve -cegbyeF&
efoveebkeÀ - 22 ceF&,2019
3
heýebOe efveosMekeÀ leLee cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀe mebosMe

efhe´³e Mes³ejOeejkeÀ,
neue ner kesÀ mece³e ceW JeweféekeÀ DeLe&J³eJemLee ®egveewleerhetCe& heefjJesMe mes meb®eeefuele nes jner nw. Je<e& 2017 mes 3.8% keÀer Je=ef× oj neefmeue keÀjves kesÀ Ghejeble Je<e& 2018 ceW
JeweféekeÀ Je=ef× oj 3.3% kesÀ meeceev³e mlej hej jner. DeeF&SceSHeÀ kesÀ Dehe´wue 2019 kesÀ Devegceeve kesÀ Devegmeej Je<e& 2020 ceW 3.6% kesÀ Gíeue mes henues Je<e& 2019
ceW 3.3% kesÀ ceecetueer Je=ef× oj kesÀ mlej hej jnsieer. Je<e& 2018 keÀer otmejer íceener ceW JeweféekeÀ mlej hej meb³eefcele Je=ef× oj oMee&³eer nw. ³etSme kesÀ meeLe yeæ{les J³eeheeefjkeÀ
leveeJe kesÀ ®eueles Deewj DeeYeemeer (shadow) yeQeEkeÀie keÀes jeskeÀves kesÀ efueS Gþe³es ieS keÀoceeW keÀer Jepen mes ®eerve keÀer DeLe&J³eJemLee ves ceboer keÀe oewj osKee nw. ³etSme
HesÀ[ ves DeefOekeÀ Goej ceewefêkeÀ veerefle Deheveeves keÀe mebkesÀle efo³ee nw.
Iejsuet heefj¢<³e ceW, Je<e& 2018-19 keÀer leermejer efleceener ceW Yeejleer³e DeLe&J³eJemLee ceW ceboer keÀe oewj jne. Je<e& 2018-19 keÀer otmejer efleceener keÀer leguevee ceW leermejer
efleceener ceW efvepeer leLee mejkeÀejer GheYeesie J³e³e ceW meeceev³e Je=ef× ngF&. efHeÀj Yeer, mekeÀue eqmLej hetbpeer efvecee&Ce ceW efÜ-DebkeÀer Je=ef× peejer jner. Deiemle 2018 mes cee®e& 2019
kesÀ meYeer cenerveeW ceW cegK³ele: ceecetueer KeeÐe cegêemHeÀerefle keÀer Jepen mes Kegoje cegêemHeÀerefle keÀce jner Deewj 4% mes keÀce jKeer ieF&. Je<e& 2018-19 kesÀ yeeo kesÀ mece³e
ceW F¥Oeve ceW cegêemHeÀerefle oj Yeer Dehes#eeke=Àle keÀce jner. ceewefêkeÀ veerefle kesÀ cees®ex hej HeÀjJejer, 2019 ceW Yeejleer³e efj]peJe& yeQkeÀ ves jshees jsì ceW 25 DeeOeej efyevog mes keÀceer
keÀjles ngS Fmes 6.25% keÀj efo³ee leLee Dehevee jJew³ee yeoueles ngS leìmLe keÀer YetefcekeÀe Deheveeueer. leoeshejeble Dehe´wue 2019 ceW Yeejleer³e efj]peJe& yeQkeÀ ves jshees jsì ceW 25
DeeOeej efyevog keÀer keÀìewleer keÀjles ngS Fmes 6% keÀj efo³ee.
yeQeEkeÀie GÐeesie kesÀ heefjhe´s#³e ceW, Yeejleer³e efj]peJe& yeQkeÀ kesÀ DeebkeÀæ[eW kesÀ Devegmeej, Je<e& 2018-19 ceW $eÝCe Je=ef× ceW yeæ{esÊejer ngF& leLee Je<e& 2018-19 kesÀ ueieYeie he´l³eskeÀ
ceen ceW Je<e&-oj-Je<e& DeeOeej hej ³en 10% mes Thej ner jner. HeÀjJejer 2019 ceW Devegmetef®ele JeeefCeeqp³ekeÀ yeQkeÀeW keÀe $eÝCe-pecee Devegheele ueieYeie 78% jne. #es$eJeej
DeeOeej hej J³eefÊeÀiele $eÝCe leLee mesJeeDeeW kesÀ #es$e ceW cee®e& 2019 ceW Je<e&-oj-Je<e& DeeOeej hej efÜ-DebkeÀer Je=ef× ope& ngF&.
Deye ceQ Fme Je<e& kesÀ oewjeve yeQkeÀ kesÀ keÀe³e&-efve<heeove keÀer efJeefMeäleeDeeW hej he´keÀeMe [euevee ®eentbiee. Fme efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve yeQkeÀ keÀe J³eJemee³e `
4,67,584 keÀjesæ[ jne, peyeefkeÀ efJeÊeer³e Je<e& 2017-18 ceW ³en 4,72,323 keÀjesæ[ Lee. yeQkeÀ keÀe pecee ` 2,99,855 keÀjesæ[ jne, peyeefkeÀ efoveebkeÀ 31 cee®e&,
2018 keÀes ³en ` 2,94,839 keÀjesæ[ Lee. kegÀue pecee ceW keÀemee keÀer heéfleMele efnmmesoejer 46.21% jner, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW
³en efnmmesoejer 42.46% Leer. G®®e ueeiele peceeDeeW ceW `793 keÀjesæ[ jne, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW G®®e ueeiele pecee `850
keÀjesæ[ Lee. efoveebkeÀ 31 cee®e&, 2019 keÀes nceeje kegÀue Deefieće `1,67,729 keÀjesæ[ Lee, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en ` 1,77,484 keÀjesæ[ Lee, G®®e
peesefKece Yeeefjle Deeeqmle³eeW ceW nceejs SkeÌmeheespej keÀes Ieìevee FmekeÀer cegK³e Jepen jner.
efheíues 3-4 Je<eeX kesÀ oewjeve Deeeqmle iegCeJeÊee meeceev³ele: yeQeEkeÀie GÐeesie ceW leLee efJeMes<ekeÀj nceejs yeQkeÀ ceW eE®elee keÀe SkeÀ hećegKe keÀejCe jner nw. mebieefþle he´³eemeeW kesÀ
heefjCeecemJeªhe efJeÊeer³e Je<e& 2019 ceW nce `5,656 keÀjesæ[ keÀer vekeÀo Jemetueer leLee Deheie´s[sMeve keÀj heeS nQ, peyeefkeÀ efJeÊeer³e Je<e& 2018 ceW ³en `3,122 keÀjesæ[ Leer.
yeQkeÀ keÀe mekeÀue SveheerS IeìkeÀj ` 32,356 keÀjesæ[ nes ie³ee, pees efoveebkeÀ 31 cee®e&, 2018 keÀes ³en `38,131 keÀjesæ[ Lee. nceeje mekeÀue SveheerS efoveebkeÀ 31 cee®e&,
2019 keÀes IeìkeÀj 19.29% nes ie³ee, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en 21.48% Lee. Meg× SveheerS keÀe heéfleMele efoveebkeÀ 31 cee®e&, 2019 keÀes IeìekeÀj
7.73% lekeÀ uee³ee ie³ee, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en 11.10% Lee. Je<e& 2019-20 kesÀ oewjeve DeeF&yeermeer kesÀ lenle SvemeerSueìer kesÀ ceeO³ece mes kegÀí
yeæ[s SveheerS KeeleeW ceW meceeOeeve keÀer Gcceero nw. Je<e& 2019-20 kesÀ oewjeve SveheerS Jemetueer keÀe yeæ{eves, Deeeqmle iegCeJeÊee ceW yesnlejer ueeves leLee Meg× ueeYe Dee|pele keÀjves
hej Dehevee O³eeve kesÀeqvêle keÀjWies.
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve yeQkeÀ keÀer pecee ueeiele IeìkeÀj 5.21% nes ieF&, peyeefkeÀ efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve ³en 5.53% Leer. yeQkeÀ keÀer Meg× y³eepe
Dee³e yeæ{keÀj ` 6,773 keÀjesæ[ nes ieF&, pees Je<e& 2017-18 kesÀ oewjeve ` 6,517 keÀjesæ[ Leer, peyeefkeÀ iewj-y³eepe Dee³e IeìkeÀj ` 2,413 keÀjesæ[ nes ieF&, pees Je<e&
4
2017-18 kesÀ oewjeve ` 2,623 keÀjesæ[ Leer, efpemekeÀe cegK³e keÀejCe ì^seE[ie yener ceW ` 325 keÀjesæ[ keÀer neefve keÀes Debleefjle keÀjvee Lee. leLeeefhe, efheíues Je<e& keÀer leguevee
ceW yeÆs Keeles [eues ie³es KeeleeW ceW Jemetueer yesnlejer kesÀ meeLe 35.85% jner. efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve Meg× y³eepe ceee|peve 2.47% Leer, pees ueieYeie Gmeer mlej
hej DeLee&led 2.54% jner. FmekeÀe cegK³e keÀejCe SveheerS KeeleeW ceW y³eepe keÀe efjJeme&ue Lee.
yeQkeÀ keÀe heefj®eeueve ueeYe ` 3,127 keÀjesæ[ jne, peyeefkeÀ efJeÊeer³e Je<e& 2017-18 ceW ³en ` 2,733 keÀjesæ[ Lee. leLeeefhe, yeQkeÀ ves ` 5,641 keÀjesæ[ keÀer neefve ope&
keÀer, peyeefkeÀ efheíues efJeÊeer³e Je<e& kesÀ oewjeve Meg× neefve ` 5,105 keÀjesæ[ Leer. FmekeÀer cegK³e JepenW G®®elej SveheerS heéJeOeeve, mueerhes]pe/Sefpe leLee SvemeerSueìer KeeleeW
ceW DeefleefjÊeÀ heéJeOeeve, efveJesMeeW ì^seE[ie ueeYe ceW keÀceer Fl³eeefo nQ. efoveebkeÀ 31.03.2018 keÀes yeQkeÀ keÀe heéJeOeeve keÀJejspe Devegheele 63.13% jne, peyeefkeÀ efoveebkeÀ
31.03.2019 keÀes megOeej kesÀ meeLe ³en yeæ{keÀj 76.60% nes ie³ee, efpemeves nceejs legueve-he$e keÀes cepeyetleer heóeve keÀer nw. efoveebkeÀ 31.03.2018 keÀes yeQkeÀ keÀe ueeiele
Dee³e Devegheele 70.10% Lee, pees efoveebkeÀ 31.03.2019 keÀes GuuesKeveer³e Je=ef× kesÀ meeLe 65.96% Devegheele nes ie³ee. hetbpeer SJeb peesefKece Yeeefjle Deeeqmle Devegheele
DeLee&led CRAR ( yeemeue-III) Je<e& 2018 kesÀ 9.04% mes yeæ{keÀj efJeÊeer³e Je<e& 2019 ceW 9.61% nes ie³ee. ³en meYeer efJeÊeer³e mebkesÀlekeÀ ³en oMee&les nQ efkeÀ heefjJele&ve
keÀer efoMee mener nw.
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ kesÀ vesìJeke&À kesÀ Debleie&le 4,659 MeeKeeDeeW, 3,966 SìerSce, 10 mesìsueeFì keÀe³ee&ue³eeW SJeb 1 SkeÌmìWMeve keÀeTbìj Meeefceue nQ.
nceeje yeQkeÀ 29 jep³eeW, 6 ceW mes 5 mebIeMeeefmele jep³e SJeb Svemeerìer efouueer, 574 efpeuee cegK³eeue³e leLee osMe ceW kegÀue 707 efpeueeW ceW mes 635 efpeueeW ceW Deheveer
GheeqmLeefle kesÀ meeLe DeefKeue Yeejleer³e mlej hej Deheveer GheeqmLeefle ope& keÀjelee nQ, pees nceejs yeQkeÀ keÀer MeefÊeÀ keÀe ñeesle nw.
Deheves yeQkeÀ keÀer efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ Jeee|<ekeÀ heéfleJesove keÀes he´mlegle keÀjves ceW cegPes n<e& nes jne nw.
MegYekeÀeceveeDeeW meefnle,
DeehekeÀe,
nmle/-
heuueJe cenehee$e
mLeeve : cegbyeF&
efoveebkeÀ : 22 ceF&, 2019
5
efveosMekeÀ ceb[ue BOARD OF DIRECTORS
Þeer leHeve je³e SHRI TAPAN RAY

Þeer heuueJe cenehee$e SHRI PALLAV MOHAPATRA
Þeer Heer. Deej. cetefle& SHRI P. R. MURTHY
Þeer. yeer. Sme. MesKeeJele SHRI B. S. SHEKHAWAT
Þeer DeeueeskeÀ ÞeerJeemleJe SHRI ALOK SRIVASTAVA
[e@. Yet<eCe kegÀceej efmevne DR. BHUSHAN KUMAR SINHA
Þeer Lee@ceme cewL³et (efoveebkeÀ 26.04.2019 mes) SHRI THOMAS MATHEW (w.e.f. 26.04.2019)
Þeer Sve. efvel³eevebo SHRI N. NITYANANDA
Òees. ([e@.) Deelceevebo PROF. (Dr.) ATMANAND
Þeerceleer efceveer DeeF&He SMT MINI IPE
uesKee Hejer#ekeÀ AUDITORS
ces. Sme. kesÀ. cesnlee SC[ kebÀ. M/s. S. K. Mehta & Co.
ces. yeesjkeÀj SC[ cegpegceoej M/s. Borkar & Muzumdar
cegkegbÀo Sce ef®eleues Sb[ keÀcheveer M/S. Mukund M. Chitale & Co
SSpesJeer Sb[ SMeesefmeSì M/S. Aajv And Associates
jefpemìêj SJeb Mes³ej DeblejCe Spesvì REGISTRAR AND SHARE TRANSFER AGENTS
efuebkeÀ FveìeFce Fbef[³ee Òee. efue. Link Intime India Pvt. Ltd.
meer-101, 247 Heeke&À, C-101, 247 Park
SueyeerSme ceeie&, efJe¬eÀesueer (HeefÞ®ece) LBS Marg, Vikhroli (West)
cegbyeF& - 400 083. Mumbai - 400 083.
ìsueerHeÀesve : 022-4918 6270 Tel : 022-4918 6270
HewÀkeÌme : 022-4918 6060 Fax : 022-4918 6060
F&-cesue DeeF&[er : rnt.helpdesk@linkintime.co.in E-mail ID : rnt.helpdesk@linkintime.co.in
yeQkeÀ mes He$e J³eJenej keÀjves keÀe Helee ADDRESS FOR CORESSPONDENCE WITH THE
BANK
GHe ceneÒeyebOekeÀ / kebÀHeveer meef®eJe SJeb DevegHeeueve DeefOekeÀejer
DGM / Company Secretary and Compliance Officer
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee
Central Bank of India
9Jeerb cebefpeue, ®ebojcegKeer 9th Floor, Chandermukhi
vejerceve Hee@F¥ì Nariman Point
cegbyeF& - 400 021 Mumbai - 400 021
mebHeke&À veb. 022 - 6638 7818 Contact No. : 022 - 6638 7818
HewÀkeÌme : 022 - 2283 5198 Fax No. : 022 - 2283 5198
F&-cesue DeeF&[er : agmcompsec@centralbank.co.in; E-mail ID : agmcompsec@centralbank.co.in;
investors@centralbank.co.in investors@centralbank.co.in
6
efveosMekeÀ ceb[ue
BOARD OF DIRECTORS
Þeer leHeve je³e Þeer heuueJe cenehee$e

Shri TAPAN RAY Shri PALLAV MOHAPATRA
DeO³e#e ÒeyebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
Chairman Managing Director & Chief Executive Officer
Þeer Heer. Deej. cetefle& Þeer yeer. Sme. MesKeeJele Þeer DeeueeskeÀ ÞeerJeemleJe
Shri P. R. MURTHY Shri B. S. SHEKHAWAT Shri ALOK SRIVASTAVA
keÀe³e&HeeuekeÀ efveosMekeÀ keÀe³e&HeeuekeÀ efveosMekeÀ keÀe³e&HeeuekeÀ efveosMekeÀ
EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
(peejer / Contd...)
7
[e@. Yet<eCe kegÀceej efmevne Þeer Lee@ceme cewL³et

Dr. BHUSHAN KUMAR SINHA Shri THOMAS MATHEW
efveosMekeÀ efveosMekeÀ
Director Director
Þeer Sve. efvel³eevebo Òees. ([e@.) Deelceevebo

Shri N. NITYANANDA Prof. (Dr.) ATMANAND
efveosMekeÀ efveosMekeÀ
Director Director
Þeerceleer efceveer DeeF&He

Smt MINI IPE
efveosMekeÀ
Director
8
met®evee
Sleo Üeje ³en metef®ele efkeÀ³ee peelee nw efkeÀ mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ Mes³ejOeejkeÀeW keÀer yeejnJeeR Jeee|<ekeÀ meeceev³e yewþkeÀ Meg¬eÀJeej efoveebkeÀ 28 petve 2019 keÀes
oeshenj 12.00 ®ebojcegKeer, vejerceve hee@Fvì, cegcyeF& - 400021 eqmLele yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e kesÀ 9JeW ceeues ceW efvecveefueefKele keÀejesyeej kesÀ mebheeove nsleg Dee³eesefpele
keÀer peeSieer.
1) efoveebkeÀ 31 cee®e&, 2019 keÀe uesKeehejeref#ele mìwv[ Deueesve SJeb mecesefkeÀle leguevehe$e, efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS ueeYe-neefve Keelee,
uesKeeW Üeje DeeJe=le DeJeefOe ceW yeQkeÀeW kesÀ keÀe³eeX SJeb ieefleefJeefOe³eeW hej efveosMekeÀ ceb[ue keÀer efjheesì& SJeb uesKeeW leLee leguevehe$e hej uesKeehejer#ekeÀ keÀer efjheesì& hej ®e®ee&,
Devegceesove leLee FvnW mJeerkeÀej keÀjvee.
2) SHeÀheerDees / jeFì FM³et / keÌ³etDeeF&heer Fl³eeefo kesÀ ceeO³ece mes hetbpeer pegìevee.
efvecveefueefKele hej efJe®eej keÀjvee Deewj Ghe³egÊeÀ mecePes peeves hej mebMeesOeve ³ee mebMeesOeveeW kesÀ efyevee Fmes efJeMes<e mebkeÀuhe kesÀ ªhe ceW heeefjle keÀjvee:
he´mleeJe nw efkeÀ yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece, 1970, jeäêr³eke=Àle yeQkeÀ (heýevOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee, 1970
(’³eespevee“) SJeb mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³eme& SJeb ceereEìime) efJeefve³ece, 1998 mece³e mece³e hej ³eLeemebMeesefOele kesÀ Devegmeej SJeb Yeejle mejkeÀej, Yeejleer³e
efjpeJe& yeQkeÀ, Yeejleer³e heéfleYetefle SJeb efJeefve³ece yees[& Deewj /DeLeJee Fme mebyebOe ceW DeeJeM³ekeÀ Dev³e heéefOekeÀejer kesÀ DevegceesoveeW, menceefle³eeW, Devegceefle³eeW leLee
mJeerke=Àefle³eeW, ³eefo keÀesF& neW, keÀer Mele& hej SJeb GÊeÀ Devegceefle³eeb heóeve keÀjles ngS GvekesÀ Üeje efveOee&efjle MeleeX SJeb mebMeesOeveeW, efpevemes yeQkeÀ kesÀ efveosMekeÀ ceb[ue
Üeje menceefle J³eÊeÀ keÀer ieF&, keÀer Mele& hej Deewj mesyeer (hetbpeer efveie&ceve SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀlee) DeefOeefve³ece 2018 (mesyeer (DeeF&meer[erDeej efJeefve³ece), mesyeer
(met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³eceve 2015 (met®eerkeÀjCe efJeefve³eceve) ³eLee DeÐeleve mebMeesefOele mesyeer Üeje efveOee&efjle efoMeeefveoxMe,
³eefo keÀesF& nes, yeQeEkeÀie efJeefve³eceve DeefOeefve³ece 1949, Yeejleer³e heéfleYetefle SJeb efJeefve³ece yees[& DeefOeefve³ece 1992 kesÀ Debleie&le SJeb Dev³e DeeJeM³ekeÀ heéefOekeÀeefj³eeW
Üeje DeefOemet®eveeDeeW/heefjhe$eeW SJeb mheäerkeÀjCeeW kesÀ leLee Dev³e ueeiet keÀevetveeW kesÀ DeOeerve SJeb efpeve mìe@keÀ SkeÌme®eWpeeW ceW yeQkeÀ kesÀ FeqkeÌJeìer Mes³ej met®eerye× nQ, kesÀ
meeLe ngS met®eerkeÀjCe keÀjejeW kesÀ DeOeerve, yeQkeÀ kesÀ Mes³ejOeejkeÀeW keÀer menceefle nw SJeb efpemes SleoÜeje yeQkeÀ kesÀ efveosMekeÀ ceb[ue (efpemes `yees[&’ keÀne ie³ee nw) keÀes
heóÊe efkeÀ³ee peelee nw, efpemeceW hetbpeer pegìeves Jeeueer meefceefle Meeefceue nw efpemes yees[& ves Deheveer MeefÊeÀ³eeW (Fme he´mleeJe Üeje heóÊe MeefÊeÀ³eeW meefnle) kesÀ Ghe³eesie kesÀ efueS
ieefþle DeLeJee hegveie&efþle efkeÀ³ee peevee nw, keÀes Yeejle DeLeJee efJeosMe ceW he´mleeJe omleeJespe/efJeJejCe he$e DeLeJee Ssmes efkeÀmeer Dev³e omleeJespe kesÀ ceeO³ece mes Gleveer
mebK³ee ceW FeqkeÌJeìer Mes³eme& efpevekeÀe cetu³e ` 5000/- keÀjesæ[ (©heS HeeB®e npeej keÀjesæ[ kesÀJeue) (heérefce³ece meefnle, ³eefo nes) nes, SkeÀ ³ee SkeÀeefOekeÀ meom³eeW, yeQkeÀ
kesÀ keÀce&®eeefj³eeW, Yeejleer³e veeieefjkeÀeW, DeefveJeemeer Yeejleer³eeW (SveDeejDeeF&) kebÀheefve³eeW, efvepeer DeLeJee meeJe&peefvekeÀ efveJesMe mebmLeeDeeW, meesmee³eefì³eeW, v³eemeeW, MeesOe
mebmLeeveeW, Den&leeheéhle mebmLeeiele ¬esÀleeDeeW (keÌ³etDeeF&yeer) ³eLee efJeosMeer mebmLeeiele efveJesMekeÀeW (SHeÀDeeF&DeeF&) yeQkeÀeW, efJeÊeer³e mebmLeeDeeW, Yeejleer³e c³et®egDeue HebÀ[,
JeW®ej kewÀefheìue HebÀ[, efJeosMeer JeW®ej hetbpeer efveJesMekeÀeW, jep³e GÐeesie efJekeÀeme efveieceeW, yeercee kebÀheefve³eeW, YeefJe<³eefveefOe³eeW, heWMeveefveefOe³eeW, efJekeÀeme efJeÊeer³e mebmLeeDeeW
DeLeJee Dev³e efvekeÀe³eeW, heéefOekeÀeefj³eeW DeLeJee efveJesMekeÀeW keÀer Dev³e ÞesefCe³eeW, pees efJeÐeceeve efJeefve³eceeW/efoMeeefveoxMeeW kesÀ DeOeerve yeQkeÀ keÀer FeqkeÌJeìer/heéfleYetefle³eeW ceW
efveJesMe keÀjves kesÀ efueS heéefOeke=Àle nQ DeLeJee Ghe³eg&ÊeÀ ceW mes keÀesF& meb³eespeve efpemes yeQkeÀ Üeje Ghe³egÊeÀ mecePee pee³e, keÀes Fme he´keÀej me=efpele, he´mleeefJele, efveie&efcele SJeb
Deeyebefìle (lelmece³e ueeiet keÀevetve Üeje Devegcele efveie&ce kesÀ Gme Yeeie Deewj Gme ÞesCeer kesÀ J³eefÊeÀ³eeW keÀes hegä Deeyebìve Deewj/DeLeJee heéfle³eesieer DeeOeej hej Deej#eCe
kesÀ heéJeOeeve meefnle) keÀjves keÀer MeefÊeÀ heóeve keÀjlee nw efkeÀ yeQkeÀ keÀer ®egkeÀlee FeqkeÌJeìer hetbpeer ceW keWÀê mejkeÀej keÀer Oeeefjlee efkeÀmeer Yeer mece³e 51% mes keÀce ve nes.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ Deefle Deeyebìve kesÀ efJekeÀuhe kesÀ meeLe ³ee GmekesÀ efyevee Den&leeheéhle mebmLeeveeW keÀes efve³eespeve Ssmes efveie&ce, he´mleeJe DeLeJee
Deeyebìve meeJe&peefvekeÀ efveie&ceve (DeLee&le, DevegJeleea meeJe&peefvekeÀ efveie&ce) Deewj jeFìdme FM³et Deewj/DeLeJee efvepeer leewj hej Deeyebìve Üeje efkeÀ³ee peeSiee Deewj Ssmes
he´mleeJe, efveie&ce efve³eespeve, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe) DeefOeefve³ece, 1970 mesyeer (hetbpeer keÀe efveie&ceve Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb)
efJeefve³ece, 2018 (’mesyeer DeeF&meer[erDeej efJeefve³ece“) kesÀ heéJeOeeveeW leLee Yeeefjyew, mesyeer Deewj keÀesF& Dev³e heéefOekeÀejer pees Yeer ueeiet nes, Üeje peejer meYeer Dev³e
efoMeeefveoxMeeW kesÀ DeOeerve efkeÀ³ee peeSiee Deewj ³en Gme lejerkesÀ leLee Gve efve³eceeW SJeb MeleeX leLee Gme mece³e mece³eeblejeW ceW efkeÀ³ee peeSiee pees efveosMekeÀ ceb[ue Üeje
Deheveer hetCe& efJeJeskeÀeOeerve MeefÊeÀ ceW Ghe³egÊeÀ mecePee peelee nes.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ efveosMekeÀ ceb[ue keÀes mesyeer DeeF&meer[erDeej efJeefve³eceeW, Dev³e efJeefve³ece leLee keÀesF& DeLeJee Dev³e ueeiet keÀevetveeW, efve³eceeW,
efJeefve³eceeW SJeb efoMeeefveoxMeeW kesÀ Debleie&le yees[& Üeje Deheves mebhetCe& efJeJeskeÀ mes Gve efveJesMekeÀeW pees yeQkeÀ kesÀ efJeÐeceeve meom³e neW DeLeJee ve neW, keÀes Ssmeer keÀercele
pees DeeF&meer[erDeej efJeefve³eceeW kesÀ mebiele heéJeOeeveeW Üeje efveOee&efjle keÀercele mes keÀce ve neW, keÀes Fme he´keÀej mJe³eb le³e keÀjves Deewj DeeJeM³ekeÀlee heæ[ves hej DeieĆeer
heýebOekeÀeW Deewj DeLeJee neceeroejeW Deewj/DeLeJee Dev³e hejeceMe&oeleeDeeW DeLeJee Dev³eLee le³e keÀjves nsleg heéefOeke=Àle nesiee.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ mesyeer (met®eerkeÀjCe heéfleye×lee Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀlee) efJeefve³ece, 2015 kesÀ heéJeOeeveeW, mebye× mìe@keÀ
SkeÌme®eWpe kesÀ meeLe ngS met®eerye×lee J³eJemLee kesÀ heéJeOeeveeW, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe), DeefOeefve³ece, 1970 kesÀ heéJeOeeveeW, mesvìûe
yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³eme& Deewj ceereEìime), efJeefve³ece, 1998 kesÀ heéJeOeeveeW, mesyeer DeeF&meer[erDeej efJeefve³eceeW kesÀ heéJeOeeveeW, efJeosMeer efJeefvece³e heýebOeve DeefOeefve³ece,
1999 kesÀ heéJeOeeveeW Deewj efJeosMeer efJeefvece³e heýebOeve (Yeejle mes yeenj kesÀ efveJeemeer J³eefÊeÀ Üeje heéfleYetefle keÀe DeblejCe DeLeJee peejerkeÀjCe), 2000, Deewj Yeejleer³e
9
heéfleYetefle SJeb efJeefvece³e yees[& (mesyeer), mìe@keÀ SkeÌme®eWpe, Yeejleer³e efjpeJe& yeQkeÀ (DeejyeerDeeF&), efJeosMeer efveJesMe mebJeOe&ve yees[&(SHeÀDeeF&heeryeer), DeewÐeesefiekeÀ veerefle SJeb
heéslmeenve efJeYeeie, JeeefCep³e ceb$eeue³e ([erDeeF&heerheer) Deewj Dev³e meYeer DeeJeM³ekeÀ heéefOekeÀjCeeW efpevnW meb³egÊeÀ ªhe mes (’me#ece heéefOekeÀejer “ kesÀ leewj meboe|Yele efkeÀ³ee
nw) kesÀ DeefveJee³e& DevegceesoveeW, menceefle³eeW, Devegceefle³eeW Deewj/ DeLeJee mJeerke=Àefle³eeW kesÀ DeOeerve Deewj Ssmes Devegceesove, menceefle, Devegceefle osles mece³e GvekesÀ Üeje
efveOee&efjle MeleeX kesÀ DeOeerve, Deewj/DeLeJee mJeerke=Àefle (efpevnW FmeceW ’DeeJeM³ekeÀ Devegceesove keÀne ie³ee nw“) efveosMekeÀ ceb[ue Deheveer mechetCe& efJeJeskeÀeOeerve MeefÊeÀ kesÀ
DeeOeej hej mece³e-mece³e hej SkeÀ DeLeJee DeefOekeÀ Þe=bKeueeDeeW ceW Jeejbì kesÀ efmeJee³e FeqkeÌJeìer Mes³ejeW DeLeJee Dev³e heéfleYetefle³eeW, pees yeeo ceW efkeÀmeer mece³e FeqkeÌJeìer
Mes³ejeW ceW heefjJele&veer³e DeLeJee efJeefvece³e ³eesi³e nQ, keÀes mesyeer DeeF&meer[erDeej efJeefve³eceeW DeLeJee Gme mece³e ueeiet keÀevetveeW kesÀ heéJeOeeveeW kesÀ Devegmeej yees[& Üeje
efveOee&efjle keÀercele, efve³ece SJeb MeleeX SJeb Dev³e he´keÀej mes leLee mesyeer DeeF&meer[erDeej efJeefve³eceeW kesÀ DeO³ee³e VI ceW ³eLeeefveyebefOele Den&leeheéhle mebmLeeiele efve³eespeve
(keÌ³etDeeF&heer) kesÀ Devegmeej, efkeÀmeer efve³eespeve omleeJespe Deewj / DeLeJee Dev³e Ssmes omleeJespeeW/uesKeeW/heefjhe$eeW/%eeheveeW kesÀ ceeO³ece mes Den&leeheéhle mebmLeeiele ¬esÀleeDeeW
(keÌ³etDeeF&yeer) keÀes yees[& Fme he´keÀej efveie&ce he´mleeJe SJeb Deeyebìve keÀj mekesÀiee efkeÀ yeQkeÀ keÀer FeqkeÌJeìer Mes³ej hetbpeer ceW keWÀê mejkeÀej keÀer Oeeefjlee efkeÀmeer Yeer mece³e
51% mes keÀce nes.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ mesyeer DeeF&meer[erDeej efJeefve³ece kesÀ DeO³ee³e VI kesÀ Devegmeej Den&leehee$e mebmLeeiele efve³eespeve kesÀ ceeceues ceW:
S) heéfleYetefle³eeW keÀe Deeyebìve, mesyeer DeeF&meer[erDeej efJeefve³ece kesÀ DeO³ee³e VIII kesÀ efveefnleeLeeX ceW efmeHe&À Den&leeheéhle mebmLeeiele ¬esÀleeDeeW keÀes ner efkeÀ³ee peeSiee
SJeb Ssmeer heéfleYetefle³eeb hetCe&le: ®egkeÀlee neWieer leLee Ssmeer heéfleYetefle³eeW keÀe Deeyebìve, Fme mebkeÀuhe kesÀ heeefjle nesves keÀer leejerKe mes 12 cenerveeW kesÀ Deboj hetCe& efkeÀ³ee
pee³esiee.
yeer) mesyeer DeeF&meer[erDeej efJeefve³eceeW kesÀ efJeefve³eceve 176(1) kesÀ heéJeOeeveeW kesÀ Devegmeej yeQkeÀ efJeefve³eceeW kesÀ Devegmeej efveOee&efjle v³etvelece keÀercele hej DeefOekeÀlece 5%
keÀer ítì hej Mes³ej, he´mleeefJele keÀjves nsleg DeefOeke=Àle nw.
meer) heéfleYetefle³eeW keÀer v³etvelece keÀercele kesÀ efveOee&jCe keÀer mebiele leejerKe, mesyeer DeeF&meer[erDeej efJeefve³eceeW kesÀ Devegmeej le³e nesieer.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ efveie&ce kesÀ efueS Devegceesove, menceefle, Devegceefle SJeb mJeerke=Àefle heóeve keÀjles mece³e SJeb Deeyebìve, efueeÅmìie keÀjles mece³e
yees[& keÀes ³en DeefOekeÀej Je MeeqkeÌle heéhle nesieer efkeÀ Yeejle mejkeÀej/Yeejleer³e efjpeJe& yeQkeÀ/mesyeer/Jes mìe@keÀ SkeÌme®eWpe, peneb yeQkeÀ kesÀ Mes³ej met®eerye× nw ³ee Ssmes ner
Dev³e Gef®ele heéefOekeÀeefj³eeW Üeje he´mleeJe ceW ®eens ieS ³ee efoS ieS mebMeesOeveeW, efpevemes yees[& mencele nes, keÀes mJeerkeÀej efkeÀ³ee peeS.
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ SveDeejDeeF&, SHeÀDeeF&DeeF& SJeb/DeLeJee Dev³e hee$e efJeosMeer efveJesMekeÀeW keÀes veS FeqkeÌJeìer Mes³eme&/heéfleYetefle³eeW, ³eefo
keÀesF& nw, keÀe efveie&ce SJeb Deeyebìve, efJeosMeer cegêe heýebOe DeefOeefve³ece, 1999, ³eLeeueeiet, kesÀ Debleie&le DeejyeerDeeF& kesÀ Devegceesove kesÀ DeOeerve, hejbleg Fme DeefOeefve³ece
kesÀ Debleie&le efveOee&efjle meceie´ meercee kesÀ Yeerlej nesiee.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ keÀefLele veS FeqkeÌJeìer Mes³eme&, mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³eme& SJeb ceereEìime) efJeefve³eceve, 1998, ³eLee mebMeesefOele,
kesÀ DeOeerve peejer efkeÀS peeSbies Deewj Jes meYeer he´keÀej mes yeQkeÀ kesÀ efJeÐeceeve FeqkeÌJeìer Mes³eme& kesÀ meceeve ceeves peeSbies Deewj Jes Ieesef<ele efkeÀS ieS ueeYeebMe, ³eefo keÀesF& nes,
kesÀ efueS meebefJeefOekeÀ efoMeeefveoxMeeW kesÀ Devegªhe, pees GvekeÀer Iees<eCee kesÀ mece³e he´®eefuele nQ, kesÀ efueS hee$e neWies.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ efkeÀmeer Yeer efveie&ce DeLeJee FeqkeÌJeìer Mes³eme&/heéfleYetefle³eeW kesÀ Deeyebìve keÀes heÝeeJeer yeveeves kesÀ GÎsM³e nsleg, efveJesMekeÀeW
keÀer Þe=bKeuee, efpevnW heéfleYetefle³eeW keÀe Deeyebìve efkeÀ³ee peevee nw, he´l³eskeÀ Þe=bKeuee ceW Deeyebefìle efkeÀS peeves Jeeues Mes³eme&/heéfleYetefle³eeW keÀer mebK³ee, efveosMekeÀ ceb[ue
Üeje Deheves mebhetCe& efJeJeskeÀevegmeej Gef®ele mecePes peeves Jeeues efveie&ce hej heérefce³ece meefnle meeJe&peefvekeÀ he´mleeJe kesÀ efve³eceeW keÀes efveOee&efjle keÀjves kesÀ efueS, efveosMekeÀ
ceb[ue SleoÜeje heéefOeke=Àle nw Deewj jnsiee leLee Gve meYeer keÀe³eeX efJeuesKeeW Je ceeceueeW keÀes keÀjves leLee Gve meYeer efJeuesKeeW, omleeJespeeW SJeb keÀjejeW, pees FmekesÀ
mebhetCe& efJeJeskeÀeefOekeÀejeW ceW DeeJeM³ekeÀ Gef®ele DeLeJee Jeebefíle neW, keÀe efve<heeove keÀjves leLee meeJe&peefvekeÀ he´mleeJe, efveie&ce Deeyebìve SJeb efveie&ce heéeqhle³eeW kesÀ Ghe³eesie
kesÀ mecyebOe ceW GlheVe efkeÀmeer Yeer he´keÀej keÀe he´Mve, keÀefþveeF³eeW DeLeJee mebosneW keÀe meceeOeeve keÀjves leLee meom³eeW kesÀ Deewj DeefOekeÀ Devegceesove kesÀ efyevee, yeQkeÀ
kesÀ meJeexÊece efnle ceW Deheves mebhetCe& efJeJeskeÀ ceW Gef®ele SJeb DeeJeM³ekeÀ mecePes peeves kesÀ Devegªhe GmekesÀ efve³eceeW Je MeleeX ceW Ssmes mebMeesOeveeW, heefjJele&veeW, efJe®eueveeW,
yeoueeJeeW, meceeheveeW, pegæ[eJeeW keÀes heÝeeJeer keÀjves leLee Fme he´mleeJe kesÀ Üeje yeQkeÀ SJeb yees[& keÀes heóÊe meYeer DeLeJee efkeÀvneR MeefÊeÀ³eeW keÀe Ghe³eesie yees[& Üeje efkeÀ³ee
pee mekesÀiee.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ efveosMekeÀ ceb[ue SleoÜeje efkeÀmeer Yeer yegkeÀ-jvej(jeW), DeieĆeer heýebOekeÀ(keÀeW), yeQkeÀj(jeW), neceeroej(jeW),
ef[heeefpeìjer(efj³eeW), hebpeer³ekeÀ(keÀeW), uesKeehejer#ekeÀ(keÀeW) Deewj Ssmeer meYeer Speseqvme³eeW, pees FeqkeÌJeìer/heéfleYetefle³eeW kesÀ Ssmes he´mleeJeeW mes mecyebefOele DeLeJee Meeefceue nQ, kesÀ
meeLe Ssmes meYeer þnjeJeeW keÀes keÀjves SJeb GvekesÀ efve<heeove kesÀ efueS heéefOeke=Àle nw Deewj jnsiee leLee Ssmes meYeer mebmLeeveeW SJeb Speseqvme³eeW keÀes keÀceerMeve, yeéskeÀjspe, HeÀerme
DeLeJee Fmeer he´keÀej keÀer Dev³e ceoeW nsleg heeefjÞeefcekeÀ osves Deewj Ssmeer Speseqvme³eeW kesÀ meeLe Ssmes meYeer þnjeJeeW, DevegyebOeeW, %eeheveeW, omleeJespeeW Fl³eeefo keÀe efve<heeove
keÀjves kesÀ efueS efveosMekeÀ ceb[ue heéefOeke=Àle nw Deewj jnsiee.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ Ghe³eg&ÊeÀ keÀes heÝeeJeer keÀjves kesÀ GÎsM³e mes, efveosMekeÀ ceb[ue, DeieĆeer heýebOekeÀeW, neceeroejeW, hejeceMe&oeleeDeeW SJeb/
DeLeJee yeQkeÀ Üeje efve³egÊeÀ Dev³e J³eefÊeÀ³eeW mes hejeceMe& keÀj SleoÜeje efveJesMekeÀeW keÀer ÞesCeer, efpevnW Mes³eme&/heéfleYetefle³eeW keÀe Deeyebìve efkeÀ³ee peevee nw, he´l³eskeÀ Þe=bKeuee
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ceW Deeyebefìle efkeÀS peeves Jeeues Mes³eme&/heéfleYetefle³eeW keÀer mebK³ee, efveie&ce cetu³e (heérefce³ece meefnle, ³eefo keÀesF& nw), DebefkeÀle cetu³e, efveie&ce/heéfleYetefle³eeW kesÀ mebheefjJele&ve/
Jeejbì kesÀ he´³eesie/ heéfleYetefle³eeW kesÀ cees®eve hej heérefce³ece jeefMe, y³eepe oj, cees®eve DeJeefOe, heéfleYetefle³eeW kesÀ mebheefjJele&ve DeLeJee cees®eve DeLeJee efvejmeve hej FeqkeÌJeìer
Mes³eme& SJeb Dev³e heéfleYetefle³eeW keÀer mebK³ee, cetu³e, efveie&ce/heéfleYetefle³eeW kesÀ mebheefjJele&ve hej heérefce³ece DeLeJee ítì, y³eepe oj, mebheefjJele&ve keÀer DeJeefOe, efjkeÀe@[& DeLeJee
yener yeboer keÀer efleefLe keÀe efveOee&jCe leLee Dev³e mecyebefOele DeLeJee heémebefiekeÀ ceeceues, Yeejle SJeb/DeLeJee efJeosMe ceW SkeÀ DeLeJee SkeÀ mes DeefOekeÀ mìe@keÀ SkeÌme®eWpeeW ceW
met®eerye×lee, efveosMekeÀ ceb[ue pees Yeer Deheves mebhetCe& efJeJeskeÀeOeerve Gef®ele mecePes, meefnle efveie&ce(ceeW) keÀe mJeªhe SJeb efve³eceeW keÀe efveOee&jCe keÀjves kesÀ efueS heéefOeke=Àle nw
Deewj jnsiee.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ Fme lejn kesÀ Gve Mes³eme&/heéfleYetefle³eeW, pees DeefYeoÊe ve neW, keÀes efveosMekeÀ ceb[ue Deheves mebhetCe& efJeJeskeÀ kesÀ Debleie&le
Gme he´keÀej mes, pewmee efveosMekeÀ ceb[ue Gef®ele mecePes Deewj pewmee efJeefOe Üeje Devegcele nes, kesÀ Devegmeej efveheìeve keÀj mekesÀiee.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ Fme he´mleeJe keÀes heÝeeJeer keÀjves kesÀ efueS yees[& keÀes Gve meYeer keÀe³eeX, efJeuesKeeW, ceeceueeW kesÀ efueS heéefOeke=Àle efkeÀ³ee
peelee nw, efpevnW yees[& kesÀ hetCe& efJeJeskeÀeefOekeÀej ceW DeeJeM³ekeÀ, Gef®ele SJeb Jeebíveer³e mecePee peelee nes Deewj FeqkeÌJeìer Mes³ej kesÀ efveie&ce mes mebyebefOele GlheVe nesves
Jeeues efkeÀmeer Yeer he´Mve, keÀefþveeF& ³ee mebosn kesÀ efveheìeve nsleg heéefOeke=Àle efkeÀ³ee peelee nw leLee Deeies FmekesÀ hetCe& efJeJeskeÀeefOekeÀejeW ceW mener, Gef®ele SJeb Jeebefíle mecePes
peeves Jeeues Gve meYeer keÀe³eeX, efJeuesKeeW, ceeceueeW, efJe<e³eeW keÀes keÀjves, meYeer omleeJespeeW, uesKeveeW keÀes efve<heeefole keÀjves, pees DeeJeM³ekeÀ Jeebefíle Je FäkeÀj nes, keÀes
Mes³ejOeejkeÀeW Üeje Fme he´mleeJe mes heóÊe DeefOekeÀejeW mes mheäle: GvekeÀe Devegceesove, Debeflece DeefOekeÀej Je mebkeÀuhe ceeveles ngS GvekeÀer Deeies Deewj efkeÀmeer menceefle,
Devegceesove kesÀ efyevee, keÀjves nsleg yees[& keÀes heéefOeke=Àle efkeÀ³ee peelee nw.“
’Deeies ³en he´mleeefJele efkeÀ³ee peelee nw efkeÀ Ghe³eg&keÌÊe he´mleeJe keÀes heÝeeJekeÀejer yeveeves kesÀ efueS yeQkeÀ kesÀ efveosMekeÀ ceb[ue keÀes Deheveer meYeer ³ee efkeÀmeer Yeer MeeqkeÌÊe
keÀes yeQkeÀ kesÀ heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer DeLeJee keÀe³e&heeuekeÀ efveosMekeÀ(keÀeW) DeLeJee Ssmes efkeÀmeer Ghe³egkeÌÊe DeefOekeÀejer(³eeW) keÀes, pees Jen
Gef®ele mecePes, he´l³ee³eesefpele keÀjves nsleg heéefOeke=Àle efkeÀ³ee peelee nw.“
efveosMekeÀ ceb[ue kesÀ DeeosMe mes
nmle/-
mLeeve : cegcyeF& (Deevebo kegÀceej oeme)
efoveebkeÀ : 22.05.2019 Ghe ceneheýebOekeÀ / kebÀheveer meef®eJe
veesì :
1. J³eeK³eelcekeÀ efJeJejCeer
yewþkeÀ kesÀ keÀe³e&keÀueeheeW kesÀ mebyebOe ceW hećegKe leL³e mLeeefhele keÀjlee J³eeK³eelcekeÀ efJeJejCe DevegueivekeÀ kesÀ ªhe ceW mebueive nQ.
2. heé@keÌmeer keÀer efve³egefÊeÀ
yewþkeÀ ceW GheeqmLele nesves SJeb celeoeve keÀjves kesÀ hee$e Mes³ejOeejkeÀ, Deheves yeoues yewþkeÀ ceW GheeqmLele nesves SJeb celeoeve keÀjves nsleg efkeÀmeer heé@keÌmeer keÀes efve³egÊeÀ keÀj
mekeÀles /mekeÀleer nQ Deewj Ssmes heé@keÌmeer keÀe yeQkeÀ keÀe Mes³ejOeejkeÀ nesvee DeeJeM³ekeÀ veneR nw.
heé@keÌmeer keÀes efve³egÊeÀ keÀjves mebyebOeer efueKele, ®evojcegKeer, vejerceve hee@bFbì cegbyeF&, 400021 eqmLele heÓeeve keÀe³ee&ue³e ceW yewþkeÀ keÀer leejerKe mes keÀce mes keÀce ®eej efove
hetJe& DeLee&le Meg¬eÀJeej, efoveebkeÀ 21 petve, 2019 keÀes mee³eb: 5.00 yepes ³ee FmekesÀ hetJe& pecee efkeÀ³ee peevee ®eeefnS peesefkeÀ 23 petve, 2019 jefJeJeej, DeJekeÀeMe
efoJeme kesÀ SkeÀoce henues keÀe keÀe³ee&ue³eerve efoJeme nw.
3. heéefOeke=Àle heéfleefveefOe keÀer efve³egefÊeÀ
efkeÀmeer kebÀheveer kesÀ efJeefOeJele heéefOeke=Àle heéfleefveefOe kesÀ ªhe ceW keÀesF& J³eeqkeÌÊe mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ Mes³ejOeejkeÀeW keÀer yewþkeÀ ceW GheeqmLele nesves DeLeJee
celeoeve keÀjves nsleg leye lekeÀ hee$e veneR nesiee, peye lekeÀ efkeÀ Gme yewþkeÀ, efpemeceW Gmes efJeefOeJele ªhe mes heéefOeke=Àle heéfleefveefOe efve³egÊeÀ efkeÀ³ee ie³ee nes, kesÀ DeO³e#e
Üeje hećeeefCele he´mleeJe keÀer heéfle ®evojcegKeer, vejerceve hee@Fbì, cegbyeF&, 400021 ceW eqmLele yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e ceW yewþkeÀ keÀer efve³ele leejerKe mes keÀce mes keÀce
®eej efove hetJe& DeLee&le Meg¬eÀJeej, efoveebkeÀ 21 petve, 2019 keÀes mee³eb: 5.00 yepes ³ee GmekesÀ hetJe& lekeÀ he´mlegle ve keÀj oer peeS peesefkeÀ 23 petve, 2019 jefJeJeej,
DeJekeÀeMe efoJeme kesÀ SkeÀoce henues keÀe keÀe³ee&ue³eerve efoJeme nw.
4. yeQkeÀ kesÀ efkeÀmeer Yeer DeefOekeÀejer ³ee keÀce&®eejer keÀes efkeÀmeer Mes³ejOeejkeÀ keÀe heé@keÌmeer ³ee heéefOeke=Àle heéfleefveefOe efve³egkeÌÊe veneR efkeÀ³ee peeSiee.
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5. GheeqmLeefle he®eea-men-he´JesMe heeme

Mes³ejOeejkeÀeW keÀer megefJeOee kesÀ efueS Fme met®evee kesÀ meeLe GheeqmLeefle he®eea-men-he´JesMe heeme mebueive efkeÀ³ee ie³ee nw. Mes³ejOeejkeÀeW/heé@keÌmeer OeejkeÀeW/heéfleefveefOe³eeW mes
DevegjesOe nw efkeÀ FmeceW GheueyOe keÀjeS ieS mLeeve hej Deheves nmlee#ej keÀjW Deewj yewþkeÀ mLeue hej Fmes meeQhe oW. Mes³ejOeejkeÀeW kesÀ heé@keÌmeer/ heéefOeke=Àle heéfleefveefOe³eeW
keÀes GheeqmLeefle he®eea-men he´JesMe heeme ceW ’Òee@keÌmeer“ DeLeJee ’heéefOeke=Àle heéfleefveefOe“, pewmee Yeer ceeceuee nes, keÀe GuuesKe keÀjvee ®eeefnS leLee GvnW, Mes³ejOeejkeÀ mes
Deheves nmlee#ej mel³eeefhele keÀje keÀj Deheveer heefn®eeve keÀe mee#³e meeLe ceW jKevee ®eeefnS.
6. Mes³ejOeejkeÀeW kesÀ jefpemìj keÀe yebo nesvee :
yeQkeÀ kesÀ Mes³ejOeejkeÀeW keÀe jefpemìj SJeb Mes³ej DeblejCe yeefn³eeb, efoveebkeÀ 25 petve (cebieueJeej), 2019 mes efoveebkeÀ 28 petve, 2019 (Meg¬eÀJeej) (oesveeW efove
Meeefceue nw) lekeÀ yebo jnsieer.
7. celeoeve keÀe DeefOekeÀej
DeefOeefve³ece keÀer Oeeje 3(2F&) kesÀ GheyebOeeW kesÀ Devegmeej, me¢Me veS yeQkeÀ keÀe kesÀvê mejkeÀej mes efYeVe keÀesF& Yeer Mes³ejOeejkeÀ, Deheves Üeje Oeeefjle Mes³ejeW kesÀ mecyebOe
ceW, yeQkeÀ kesÀ Mes³ejOeejkeÀeW kesÀ kegÀue celeeefOekeÀej kesÀ SkeÀ heéfleMele mes DeefOekeÀ kesÀ celeoeve-DeefOekeÀej keÀe he´³eesie keÀjves keÀe n]keÀoej veneR nesiee / nesieer.
Ghe³eg&ÊeÀ kesÀ DeOeerve, efJeefve³eceve 68 kesÀ Devegmeej, he´l³eskeÀ Mes³ejOeejkeÀ, pees Mes³ejOeejkeÀ kesÀ ©he ceW hebpeerke=Àle nw, Dehevee neLe oMee&keÀj SkeÀ cele os mekesÀiee Deewj
celeoeve keÀer eqmLeefle ceW GmekesÀ Üeje Oeeefjle he´l³eskeÀ Mes³ej kesÀ efueS Gmes SkeÀ Jeesì osves keÀe DeefOekeÀej nesiee.
8. meb³egkeÌle OeejkeÀeW kesÀ DeefOekeÀejeW keÀe Ghe³eesie
efJeefve³eceveeW kesÀ efJeefve³ece 10 kesÀ Devegmeej, ³eefo keÀesF& Mes³ej oes DeLeJee DeefOekeÀ J³eefÊeÀ³eeW kesÀ veece hej nw, lees celeoeve kesÀ ceeceues ceW jefpemìj ceW GequueefKele he´Lece
veece kesÀ J³eefÊeÀ keÀes SkeÀcee$e OeejkeÀ ceevee peeSiee. Dele: ³eefo Mes³ej meb³egÊeÀ OeejkeÀeW kesÀ veece ceW nQ lees kesÀJeue he´Lece veeceebefkeÀle J³eefÊeÀ ner yewþkeÀ ceW Yeeie uesves SJeb
cele osves (neLe oMee&keÀj DeLeJee celeoeve Üeje) keÀe nkeÀoej nesiee.
9. Mes³ejOeejkeÀeW mes DevegjesOe nw efkeÀ Jes yewþkeÀ ceW Deheveer Jeee|<ekeÀ efjheesì& keÀer heéfle³eeb Deheves meeLe ueeSb.
10 YeeweflekeÀ mJeªhe ceW Mes³ej jKeves Jeeues Mes³ejOeejkeÀeW keÀes met®evee :
pewmee efkeÀ Deehe peeveles ner nQ efkeÀ YeeweflekeÀ mJeªhe ceW Mes³ejeW keÀe ¬eÀ³e-efJe¬eÀ³e veneR efkeÀ³ee pee mekeÀlee, Dele: Mes³ejOeejkeÀeW keÀes lejuelee heóeve keÀjves kesÀ efueS
nce Deehemes efveJesove keÀjles nQ efkeÀ Deehe Deheves Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele keÀj ueW. Deehe yeQkeÀ keÀer efkeÀmeer Yeer vepeoerkeÀer MeeKee pees [ercesì mesJee
heóeve keÀjleer nes, ceW Keelee KeesuekeÀj Deheves Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele keÀj mekeÀles nQ. yeQkeÀ keÀer JesyemeeFì hej [ercesì mesJeeSb heóeve keÀjves Jeeueer
MeeKeeDeeW keÀer met®eer GheueyOe nw. Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele keÀjves kesÀ DeveskeÀ HeÀe³eos nQ pewmes #eefle DeLeJee ieuele meghego&ieer mes ye®eeJe, leerJe´ efveheìeve,
keÀeiepejefnle uesve-osve Deeefo. meeLe ner heles ceW heefjJele&ve, yeQkeÀ DeefOeosMe, veeceebkeÀve SJeb uesveosve kesÀ DevegjesOe keÀer met®evee Yeer SkeÀ ner mLeeve hej DeLee&le Jen
MeeKee, peneb Deeheves Dehevee [ercesì Keelee Keesuee nw, ceW ner osveer nesleer nw, ®eens DeehekesÀ heeme SkeÀ mes DeefOekeÀ kebÀheefve³eeW/mebmLeeDeeW kesÀ Mes³ej neW.
leoeefhe, ³eefo Deehe Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele ve keÀj GvnW YeeweflekeÀ mJeªhe ceW ner jKeves nsleg F®ígkeÀ nQ lees ke=Àhe³ee nceW efvecveefueefKele yeQkeÀ efJeJejCe
heóeve keÀjW, leeefkeÀ nce ueeYeebMe keÀes (peye Yeer Ieesef<ele efkeÀ³ee peeS) meerOes DeehekesÀ Keeles ceW pecee keÀj mekeWÀ.
Ø yeQkeÀ keÀe veece
Ø MeeKee keÀe helee
Ø yeQkeÀ Keelee mebK³ee
Ø MeeKee keÀe 9 DebkeÀer³e SceDeeF&meerDeej keÀes[
Ø MeeKee keÀe DeeF&SHeÀSmemeer keÀes[ (DeefOeceevele: nceW SkeÀ efvejmle ®eskeÀ/ ®eskeÀ heVes keÀer heéfleefueefhe he´sef<ele keÀjW).
ke=Àhe³ee veesì keÀjW efkeÀ yeQkeÀ Keelee, Mes³ejeW kesÀ he´Lece OeejkeÀ kesÀ veece mes nesvee ®eeefnS.
11 [ercesì mJeªhe ceW Mes³ej jKeves Jeeues Mes³ejOeejkeÀeW keÀes met®evee :
nceeje meowJe ³en he´³eeme jne nw efkeÀ Deheves mecceeveveer³e Mes³ejOeejkeÀeW keÀes meJeexÊece mesJeeSb heóeve keÀer peeSb. nceves hee³ee nw efkeÀ kegÀí Mes³ejOeejkeÀ Ssmes nQ, efpevekesÀ
heeme [ercesì mJeªhe ceW Mes³eme& nQ; hejbleg GvneWves Deheves yeQkeÀ KeeleeW ceW meerOes ueeYeebMe jeefMe heéhle keÀjves kesÀ efueS, GvekesÀ ef[hee@efpeìjer heee|ìefmeheWì ([erheer) kesÀ heeme
Deheves yeQkeÀ Keeles mecyebOeer efJeJejCe hebpeerke=Àle/DeÐeleve veneR keÀjeS nQ. leovegmeej, hetJe& ceW Ieesef<ele efkeÀS ieS ueeYeebMe GvnW, GvekesÀ Üeje ef[hee@efpeìjer]pe kesÀ heeme ope&
keÀjeS ieS heles hej ner ueeYeebMe Jeejbì ([er.[yuet.) kesÀ Üeje Yespes ieS nQ
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³en GuuesKe keÀjvee cenlJehetCe& nw efkeÀ ³eefo Ssmes Mes³ejOeejkeÀeW ves GvekesÀ [erheer kesÀ heeme GvekesÀ yeQkeÀ Keeles kesÀ efJeJejCe hebpeerke=Àle keÀjeS nesles lees ueeYeeb keÀer jeefMe
meerOes GvekesÀ yeQkeÀ Keeles ceW pecee keÀje oer ieF& nesleer, Fmemes efve³ele efleefLe hej ueeYeebMe keÀer êgleieefle mes heéeqhle megefveeq½ele nes peeleer Deewj Fmemes [ekeÀ Üeje ueeYeebMe
Jeejbì heéhle keÀjves ceW ueies mece³e keÀer ye®ele nesleer leLee ueeYeebMe Jeejbì pecee keÀjves kesÀ efueS yeQkeÀ ceW peeves keÀer DeeJeM³ekeÀlee veneR nesleer leLee ueeYeebMe Jeejbì ceeie& ceW
iegce/®eesjer nes peeves keÀer DeeMebkeÀe mes DeLeJee GmekesÀ keÀheìhetCe& vekeÀoerkeÀjCe keÀer mebYeeJevee mes ye®ee pee mekeÀlee Lee.
leovegmeej, nce Fve Mes³ejOeejkeÀeW keÀes GvekesÀ yeQkeÀ Keelee efJeJejCe pewmes yeQkeÀ keÀe veece, MeeKee keÀe helee, Keelee mebK³ee, Keeles keÀe he´keÀej, GvekesÀ yeQkeÀ Üeje peejer
®eskeÀ hej efJeÐeceeve veew DebkeÀer³e SceDeeF&meerDeej keÀes[ meb. keÀes GvekesÀ ef[hee@efpeìjer heee|ìefmeheWì, peneb Jes [ercesì Keelee jKeles neW, kesÀ heeme hebpeerke=Àle/DeÐeleve keÀjves
keÀe megPeeJe osles nQ, leeefkeÀ efve³ele efleefLe hej GvekesÀ yeQkeÀ Keeles ceW ueeYeebMe jeefMe (peye Yeer Ieesef<ele efkeÀ³ee pee³e) meerOes pecee keÀer pee mekesÀ. FmekesÀ DeefleefjkeÌÊe, Jes
yeQkeÀ ³ee Deheves DeejìerS, pees efkeÀ eEuekeÀ FveìeFce Fbef[³ee heé.efue. nw, keÀes meYeer YeeJeer ueeYeebMe jeefMe, Jeehemeer jeefMe ³ee Dev³e he´s<eCeeW, ³eefo keÀesF& nes, keÀes ueeYeebMe
Jeejbì, ®eskeÀ, ceebie [êHeÌì Deeefo Üeje Yespes peeves kesÀ mLeeve hej GvekesÀ yeQkeÀ Keeles ceW pecee efkeÀS peeves nsleg DeefOeosMe Ghe³eg&ÊeÀ yeQkeÀ efJeJejCe kesÀ meeLe meerOes Yespe
mekeÀles nQ.
12. DeoeJeeke=Àle ueeYeebMe, ³eefo keÀesF& nw:
Jes Mes³ejOeejkeÀ, efpevneWves Deheves ueeYeebMe veneR YegveeS nQ ³ee efpevnW efheíues Je<eeX ceW efkeÀmeer Yeer Je<e& kesÀ ueeYeebMe heéhle veneR ngS nQ, Gvemes DevegjesOe nw efkeÀ Jes Deheves
yeQkeÀ Keeles ceW meerOes Yegieleeve efkeÀS peeves ³ee [ghueerkesÀì ueeYeebMe/ceebie [êHeÌì peejer keÀjves kesÀ efueS yeQkeÀ kesÀ jefpemìêj SJeb Mes³ej ìêbmeHeÀj SpeWì mes mebheke&À keÀjW.
yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeieńCe SJeb DeblejCe), DeefOeefve³ece 1970 keÀer Oeeje 10 yeer kesÀ Devegmeej DeheóÊe ueeYeebMe Keeles ceW DeblejCe keÀer leejerKe mes 7
Je<eeX keÀer DeJeefOe lekeÀ ³eefo ueeYeebMe keÀer jeefMe DeoÊe DeLeJee DeoeJeeke=Àle jnleer nw lees Jen jeefMe efveJesMekeÀ efMe#ee SJeb megj#ee efveefOe (DeeF&F&heerSHeÀ) ceW Debleefjle
keÀj oer peeSieer Deewj lelhe½eele Fme Yegieleeve kesÀ meboYe& ceW keÀesF& oeJee ve lees yeQkeÀ Deewj ve ner DeeF&F&heerSHeÀ hej ueeiet nesiee.
13. FueskeÌìê@efvekeÀ ceeO³ece mes JeeseEìie
I. mesyeer (met®eerye× he´keÀìerkeÀjCe SJeb Dehes#eeSb) efJeefve³ece, 2015 kesÀ efve³ece 44 kesÀ meeLe heefþle kebÀheveer (heýebOeve SJeb he´Meemeve ) efve³ece 2014 kesÀ efve³ece 20
kesÀ Devegheeueve ceW yeQkeÀ, JewkeÀequhekeÀ ceeO³ece kesÀ leewj hej efjceesì F& Jeesefìie megefJeOee men<e& he´mleeefJele keÀjlee nw leeefkeÀ meom³eieCe Deheves Jeesì FueskeÌìê@efvekeÀ ªhe
mes keÀj heeSb. kebÀheveer Üeje mesvìûe ef[hee@efpeìjer mee|Jemespe (Fbef[³ee) efue. (meer[erSmeSue) kesÀ meeLe efjceesì F&-JeeseEìie keÀes megueYe yeveeves kesÀ efueS DeeJeM³ekeÀ
J³eJemLeeSb keÀj ueer ie³eer nQ.
F&-JeeseEìie mebyebOeer heéf¬eÀ³ee SJeb DevegosMe efvecveevegmeej nQ :
(i) JeeseEìie mece³eeJeefOe cebieueJeej efoveebkeÀ 25 petve 2019 keÀes heéle:10:00 yepes mes heéjbYe nes keÀj ieg©Jeej efoveebkeÀ 27 petve 2019 keÀes mee³eb 5:00
yepes meceehle nesieer. Fme mece³eeJeefOe kesÀ oewjeve Meg¬eÀJeej efoveebkeÀ 21 petve 2019 keÀer keÀì Dee@HeÀ leejerKe keÀes yeQkeÀ kesÀ Mes³ejOeejkeÀ efpevekesÀ heeme Mes³ej
YeeweflekeÀ ªhe ceW nes DeLeJee [ercesì ªhe ceW neW Jes Dehevee Jeesì FuewkeÌìê@efvekeÀ ceeO³ece mes keÀj mekeÀles nQ. JeeseEìie kesÀ he½eele efjceesì F&-JeeseEìie kesÀ cee[îetue
keÀes meer[erSmeSue Üeje efve<¬eÀer³e keÀj efo³ee peeSiee.
(ii) Mes³ej OeejkeÀ F&-JeeseEìie JesyemeeFì www.evotingindia.com hej uee@ie Dee@ve keÀjW.
(iii) Mes³ejnesu[me& hej eqkeÌuekeÀ keÀjW.
(iv) Deye Dehevee ³etpej DeeF&[er [eueW
S. meer[erSmeSue kesÀ efueS : 16 DebkeÀer³e ueeYeeLeea DeeF&[er
yeer. SveSme[erSue kesÀ efueS : 8 DebkeÀeW kesÀ [erheer DeeF&[er kesÀ he½eele 8 DebkeÀeW keÀe keÌueeFbì DeeF&[er
meer. YeeweflekeÀ mJeªhe ceW Mes³eme& jKeves Jeeues meom³eeW keÀes yeQkeÀ ceW hebpeerke=Àle HeÀesefue³ees vebyej Sbìj keÀjW.
(v) FmekesÀ he½eele heóe|Mele keÀer ie³eer mel³eeheve íefJe keÀes Sbìj keÀj uee@ie Fve hej eqkeÌuekeÀ keÀjW.
(vi) ³eefo DeehekesÀ heeme Mes³eme& [ercesì ªhe ceW nQ SJeb Deeheves www.evotingindia.com hej uee@ie Dee@ve efkeÀ³ee nw SJeb hetJe& ceW Deeheves efkeÀmeer kebÀheveer /
mebieþve ceW JeeWefìie keÀer nw leye DeehekesÀ Jele&ceeve heemeJe[& keÀe he´³eesie efkeÀ³ee peeS.
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(vii) ³eefo Deehe he´Lece yeej Ghe³eesiekeÀlee& nQ lees efvecveefueefKele ®ejCeeW keÀe DevegmejCe keÀjW :
[ercesì SJeb YeeweflekeÀ mJeªhe ceW Mes³eme& jKeves Jeeues meom³eeW kesÀ efueS
hewve Dee³ekeÀj efJeYeeie Üeje peejer 10 DebkeÀer³e SuHeÀev³etcesefjkeÀ *hewve Sbìj keÀjW. ([ercesì Mes³ejOeejkeÀeW kesÀ meeLe meeLe YeeweflekeÀ
Mes³ejOeejkeÀeW oesveeW kesÀ efueS ueeiet )
Jes meom³e efpevneWves yeQkeÀ / efve#esheeieej menYeeieer ceW Dehevee hewve DeÐeleve veneR efkeÀ³ee nw, Gvemes DevegjesOe nw efkeÀ Jes F&peerSce
veesefìme hej ef®ehekeÀeS ieS heles kesÀ mìerkeÀj hej íhes ngS meerkeÌJeWme vebyej hewve HeÀeru[ ceW GequueefKele mLeeve hej he´³eesie keÀjW,
ueeYeebMe yeQkeÀ uee@ie Fve keÀjves kesÀ efueS ke=Àhe³ee pevce efleefLe [erDeesyeer DeLeJee ueeYeebMe yeQkeÀ efJeJejCe Sbìj keÀjW. ³eefo Jes efJeJejCe yeQkeÀ DeLeJee
efJeJejCe DeLeJee efve#esheeieej ceW DeefYeuesefKele veneR nQ lees ke=Àhe³ee ueeYeebMe yeQkeÀ efJeJejCe DevegosMe (iv) ceW efkeÀS GuuesKe kesÀ Devegmeej meom³e DeeF&
pevce efleefLe [er / HeÀesefue³ees vebyej ceW heéfJeä keÀjW.
(viii) mecegef®ele ªhe mes GÊeÀ efJeJejCe heéfJeä keÀjves kesÀ he½eele, ’meyeefceì“ ìsye hej eqkeÌuekeÀ keÀjW.
(ix) leye Ssmes Mes³ejOeejkeÀ, efpevekesÀ Mes³eme& YeeweflekeÀ ªhe ceW nQ, GvekesÀ efueS meerOee JeeseEìie m¬eÀerve GheueyOe nes peeSiee. leLeeefhe Jes meom³e, efpevekesÀ Mes³eme&
[ercesì mJeªhe ceW nQ Jes “heemeJe[& ef¬eÀ³esMeve“ cesv³eg ceW hengb®eWies peneb GvnW ve³es heeme Je[& HeÀeru[ ceW DeefveJee³e&le: uee@ie Fve heemeJe[& Sbìj keÀjvee nesiee.
ke=Àhe³ee veesì keÀjW efkeÀ [ercesì Mes³ej OeejkeÀeW Üeje Fme heemeJe[&keÀe Ghe³eesie Dev³e mebmLee/kebÀheveer ceW ³eefo celeoeve kesÀ efueS hee$e neW lees Jeneb Yeer mebkeÀuheeW
keÀer JeeseEìie kesÀ efueS Jes Fmeer heemeJe[& keÀe Ghe³eesie keÀj mekeWÀieW, yeMelex efkeÀ kebÀheveer/mebmLee, Üeje meer[erSmeSue huesìHeÀe@ce& kesÀ ceeO³ece mes F&-JeeseEìie keÀe
efJekeÀuhe ®egvee ie³ee nes. ³en hegjpeesj DevegMebmee keÀer peeleer nw efkeÀ Deehe Dehevee heemeJe[& efkeÀmeer Yeer Dev³e J³eefÊeÀ keÀes ve yeleeSb Deewj Fmes ieesheveer³e jKeves
kesÀ efueS he³ee&hle meeJeOeeveer JejleW.
(X) YeeweflekeÀ mJeªhe ceW Mes³ejOeeefjle keÀjves Jeeues meom³e, Deheves efJeJejCe, efmeHe&À Fme met®evee ceW efoS ieS mebkeÀuhe hej F&-JeeseEìie kesÀ efueS ner keÀj mekeÀles nQ.
(xi) ke=Àhe³ee mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ F&JeerSmeSve hej eqkeÌuekeÀ keÀjW efpeme hej Deehe Jeesì keÀjvee ®eenles nQ.
(xii) JeeseEìie he=ÿ hej DeehekeÀes “mebkeÀuhe efJeJejCe“ SJeb FmekesÀ mece#e JeeseEìie kesÀ efueS neb / veneR keÀe efJekeÀuhe efoKeeF& osiee. Deheveer F®íevegmeej neb DeLeJee
veneR kesÀ efJekeÀuhe keÀe ®e³eve keÀjW. neb keÀe efJekeÀuhe he´mleeJe kesÀ heéfle DeehekeÀer menceefle oMee&lee nw SJeb veneR keÀe efJekeÀuhe DeehekeÀer Demenceefle oMee&lee nw.
(xiii) ³eefo Deehe mebkeÀuhe keÀe mebhetCe& efJeJejCe osKevee ®eenles neW lees èfjpeesu³etMevme HeÀeFue’ eEuekeÀ hej eqkeÌuekeÀ keÀjW.
(xiv) èfjpeesu³etMeve’ keÀe ®e³eve keÀjves kesÀ Ghejeble, Deeheves Jeesì [eueves keÀe efveCe&³e efue³ee nw, ’Dees.kesÀ.“ hej eqkeÌuekeÀ keÀjW. SkeÀ keÀvHeÀjcesMeve yee@keÌme
heóe|Mele nesiee. ³eefo Deehe Deheves Jeesì keÀer hegeqä keÀjvee ®eenles nQ lees ’Dees.kesÀ.“ hej eqkeÌuekeÀ keÀjW, Dev³eLee Dehevee Jeesì heefjJee|lele keÀjves nsleg
’keQÀefmeue“ hej eqkeÌuekeÀ keÀjW Deewj leovegmeej Dehevee Jeesì mebMeesefOele keÀjW.
(xv) mebkeÀuhe hej SkeÀ yeej Dehevee Jeesì `keÀvHeÀce&’ keÀjves kesÀ he½eele DeehekeÀes Dehevee Jeesì mebMeesefOele keÀjves keÀer Devegceefle veneR nesieer.
(xvi) Deehe JeeseEìie he=ÿ hej “efhe´vì keÀjves kesÀ efueS ³eneb eqkeÌuekeÀ keÀjW“ efJekeÀuhe hej eqkeÌuekeÀ keÀj Deehe Deheves Üeje keÀer ie³eer JeeseEìie keÀe efhe´vì ues mekeÀles nQ.
(xvii) ³eefo [ercesì KeeleeOeejkeÀ Dehevee uee@ie Fve heemeJe[& Yetue peelee nw leye ³etpej DeeF&[er SJeb íefJe mel³eeheve Sbìj keÀj “HeÀe@jiee@ì heemeJe[&“ hej eqkeÌuekeÀ
keÀj efmemìce Üeje efo³es ie³es efJeJejCe keÀes Sbìj keÀjW.
(xviii) Mes³ej OeejkeÀ S[ê@³e[ DeeOeeefjle ceesyeeFue hej GheueyOe meer[erSmeSue ceesyeeFue Shhe Sce-JeeseEìieGhe³eesie keÀj Dehevee Jeesì os mekeÀles nQ. ³en Sce-JeeseEìie
Shhe iegieue hues mìesj mes Yeer [eGveuees[ keÀj mekeÀles nQ. Shheue SJeb eEJe[espe HeÀesve kesÀ Ghe³eesiekeÀlee& ¬eÀceMe: Shhe mìesj SJeb eEJe[espe HeÀesve mìesj mes ³en
Shhe [eGveuees[ keÀj mekeÀles nw. ke=Àhe³ee Deheves ceesyeeFue mes JeeseEìie keÀjles mece³e ceesyeeFue Shhe Üeje efoS pee jns efveoxMeeW keÀe Devegheeueve keÀjW.
(xix) iewj Jew³eefÊeÀkeÀ Mes³ejOeejkeÀ SJeb DeefYej#ekeÀeW kesÀ efueS veesì
• iewj Jew³eefÊeÀkeÀ Mes³ejOeejkeÀeW (DeLee&le Jew³eefÊeÀkeÀeW, S®e³etSHeÀ, SveDeejDeeF& Fl³eeefo ) SJeb DeefYej#ekeÀ keÀes www.evotingindia.com hej
uee@ieFve keÀj Deheves DeehekeÀes keÀe@heexjsì kesÀ leewj hej hebpeerke=Àle keÀjvee DeeJeM³ekeÀ nw.
• hebpeerkeÀjCe HeÀece& hej mebmLee kesÀ nmlee#ej SJeb cegnj ueieekeÀj GmekeÀer SkeÀ mkewÀve heéfle helpdesk.evotingindia.com hej F&-cesue keÀer
peeveer ®eeefnS.
• uee@efieve efJeJejCe heéhle nesves kesÀ he½eele S[efceve uee@ieFve SJeb heemeJe[& keÀe he´³eesie keÀj Devegheeueve he´³eesiekeÀlee& efvee|cele efkeÀ³ee peevee ®eeefnS.
DevegheeuevekeÀlee& Ghe³eesiekeÀlee& Gve KeeleeW keÀe eEuekeÀ osves ceW me#ece nesiee efpemekesÀ efueS Jes Jeesì keÀjves kesÀ F®ígkeÀ nw.
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• KeeleeW keÀer met®eer helpdesk.evoting@cdslindia.com hej cesue keÀjveer ®eeefnS SJeb KeeleeW kesÀ Devegceesove kesÀ he½eele Jes Jeesì keÀjves
me#ece neWies.
• yees[& kesÀ mebkeÀuhe SJeb cegKleejveecee efpemes DeefYej#ekeÀ kesÀ he#e ceW peejer efkeÀ³ee ie³ee nw, peeb®ekeÀlee& Üeje peeb®eves kesÀ efueS efmemìce ceW heer[erSHeÀ
heéªhe ceW efmemìce ceW Deheuees[ keÀer peeveer ®eeefnS.
(xx) F&- JeeseEìie kesÀ ceeceues ceW ³eefo DeehekeÀer keÀesF& MebkeÀe DeLeJee cegÎe nw, lees Deehe JesyemeeFì www.evotingindia.com kesÀ nsuhe meskeÌMeve kesÀ
Debleie&le hej GheueyOe Deeceleewj hej hetís peeves Jeeues he´Mve (“SHeÀSkeÌ³et“) SJeb F&-JeeseEìie kesÀ cesv³egDeue keÀe meboYe& ues mekeÀles nQ DeLeJee helpdesk.
evoting@cdslindia.com hej F&-cesue keÀj mekeÀles nQ.
ll keÀì-Dee@HeÀ leejerKe efoveebkeÀ 21 petve 2019 keÀes yeQkeÀ keÀer ®egkeÀlee FeqkeÌJeìer Mes³ej hetbpeer ceW Mes³ejeWOeejkeÀeW kesÀ Mes³ejeW kesÀ Devegheele ceW GvekesÀ JeeseEìie DeefOekeÀej
neWies. yeQeEkeÀie kebÀheveerpe (Ghe¬eÀceeW keÀe DeefOeieńCe SJeb DeblejCe) DeefOeefve³ece, 1970 keÀer Oeeje 3(2F&) kesÀ heéJeOeeveeW keÀer MeleeX kesÀ Devegmeej, kesÀvê mejkeÀej
keÀes íesæ[keÀj yeQkeÀ keÀe Dev³e keÀesF& Yeer Mes³ejOeejkeÀ GmekesÀ Oeeefjle Mes³ejeW kesÀ efueS yeQkeÀ kesÀ meYeer Mes³ejOeejkeÀeW kesÀ kegÀue JeeseEìie DeefOekeÀejeW kesÀ 10 heéfleMele
mes DeefOekeÀ JeeseEìie DeefOekeÀej keÀe he´³eesie keÀjves nsleg hee$e veneR nesiee.
lll SkeÀ J³eefÊeÀ, efpevekeÀe veece meom³eeW kesÀ hebpeerkeÀjCe ceW DeLeJee peceekeÀlee& Üeje mecheesef<ele ueeYeeLeea mJeeceer kesÀ hebpeerkeÀjCe ceW efjkeÀe[& efkeÀ³ee ie³ee nw, keÀì-Dee@HeÀ
efleefLe DeLee&le efoveebkeÀ 21 petve, 2019 keÀes SpeerSce ceW efjceesì& F&- JeeseEìie SJeb F&-JeeseEìie/hetue keÀer megefJeOee kesÀ efueS hee$e neWies.
IV keÀesF& J³eefÊeÀ pees yeQþkeÀ keÀer met®evee Yespes peeves kesÀ he½eele meom³e yevee nes leLee keÀì-Dee@HeÀ efleefLe DeLee&le efoveebkeÀ 21 petve, 2019 keÀes Mes³ej OeejCe keÀjles
nw, GhejesÊeÀ efoS Devegmeej ³etpej DeeF&[er SJeb heemeJe[& heéhle keÀj mekeÀles nw.
V. Fme met®evee keÀer SkeÀ heéfle kebÀheveer keÀer JesyemeeFì SJeb meer[erSmeSue keÀer JesyemeeFì hej heóe|Mele keÀer ieF& nw.
VI. F&-JeeseEìie heéf¬eÀ³ee keÀes Gef®ele SJeb heejoMeea lejerkesÀ mes mebheVe keÀjves nsleg F&pes[JeeF& kesÀ Þeer DebkegÀj kegÀceej, S[JeeskesÀìdme SJeb keÀesheexjsì efueieue S[Jeepej keÀes
peeb®ekeÀlee& kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw.
VII peeb®ekeÀlee&, v³etvelece oes (2) ieJeeneW keÀer GheeqmLeefle ceW celeeW kesÀ Deveyuee@keÀ keÀjves F&-JeeseEìie keÀjves keÀer DeJeefOe keÀer meceeeqhle mes leerve (3) keÀe³e&efoJeme mes
DeveefOekeÀ DeJeefOe kesÀ Yeerlej neWies, pees yeQkeÀ kesÀ jespeieej ceW veneR nQ Deewj celeeW keÀer peeb®e efjheesì&, ®eens Jen he#e DeLeJee efJeª× pewmeer Yeer nes, lew³eej keÀj
DeO³e#e ceneso³e keÀes he´mlegle keÀer peeSieer.
VIII. peeb®ekeÀlee& keÀer efjheesì& meefnle Ieesef<ele heefjCeece kebÀheveer keÀer JesyemeeFì www.centralbankofindia.co.in SJeb meer[erSmeSue keÀer JesyemeeFì hej yeQkeÀ
keÀer Jeee|<ekeÀ meeOeejCe yewþkeÀ ceW mebkeÀuhe heefjle keÀjves kesÀ 2 efoveeW kesÀ Yeerlej heóe|Mele efkeÀS peeSbies SJeb yeerSmeF& efueefceìs[ leLee vesMeveue mìe@keÀ efueefceìs[ keÀes
Yeer metef®ele efkeÀS peeSbies.
15
J³eeK³eelcekeÀ efJeJejCeer
SHeÀheerDees/ jeFì / keÌ³etDeeF&heer Fl³eeefo kesÀ ceeO³ece mes hetbpeer pegìevee
yeemesue III kesÀ efJeefve³eceve kesÀ Devegmeej, yeQkeÀ keÀes efoveebkeÀ 31 cee®e&, 2020 lekeÀ meeceev³e FeqkeÌJeìer ìer³ej – 1 (meerF&ìer – 1) Devegheele v³etvelece 5.50% SJeb F&eqkeÌJeìer
hetbpeer (meermeeryeer) kesÀ ªhe ceW 2.50% keÀer hetbpeer mebj#eCe efì³ej 1 Devegheele 9.50% SJeb meceie´ meerDeejSDeej 11.50% yeveeS jKevee DeeJeM³ekeÀ nw. yeQkeÀ keÀes efvejblej
DeeOeej hej efveOee&efjle hetbpeer he³ee&hlelee Devegheele (meerDeejSDeej) keÀes yeveeS jKeves kesÀ efueS hetbpeer keÀer DeeJeM³ekeÀlee nesieer. Dele: DeehekesÀ efveosMekeÀeW ves `5000/- keÀjesæ[
(` heeb®e npeej keÀjesæ[) lekeÀ keÀer F&eqkeÌJeìer hetbpeer pegìeves keÀjves keÀe efveCe&³e efue³ee nw SJeb Yeejle mejkeÀej, Yeejleer³e efjpeJe& yeQkeÀ SJeb Dev³e efJeefve³eecekeÀ heéefOekeÀeefj³eeW
SJeb mesyeer (DeeF&meer[erDeej) efJeefve³eecekeÀeW meefnle meYeer ueeiet efJeefve³eceeW kesÀ DeOeerve yeQkeÀ, F&eqkeÌJeìer hetbpeer Gieener efJekeÀuheeW ³eLee meeJe&peefvekeÀ efveie&ceeW (DeLee&le DevegJeleea
meeJe&peefvekeÀ efveie&ce) Deewj/DeLeJee DeefOekeÀej efveie&ce Deewj/DeLeJee efvepeer huesmeceWì Deewj/DeLeJee Den&lee heéhle mebmLeeveeW keÀes huesmeceWìdme Deewj/DeLeJee Dev³e efkeÀmeer ceeO³ece
keÀe Ghe³eesie keÀj mekeÀlee nw. yeæ{er ngF& hetbpeer keÀe Ghe³eesie yeQkeÀ kesÀ meeceev³e J³eJemee³e GÎsM³eeW kesÀ efueS efkeÀ³ee peeSiee.
³en efJeMes<e mebkeÀuhe yees[& keÀes SkeÀ ³ee SkeÀeefOekeÀ Þe=bKeuee ceW Gme keÀercele DeLeJee keÀerceleeW leLee Ssmes mece³e DeLeJee mece³eeblejeW SJeb Ssmes efveJesMekeÀeW keÀes, pewmee yees[& Deheves
efJeJeskeÀ mes Gef®ele mecePes, GmekesÀ Devegmeej F&eqkeÌJeìer Mes³eme& peejer keÀjves keÀer MeefÊeÀ ®eenlee nw. F&eqkeÌJeìer Mes³eme& kesÀ peejerkeÀjCe kesÀ efJemle=le efve³ece SJeb MeleX peye Yeer yeveeS
peeSbies leye GvnW yees[& Üeje yeepeej keÀer he´®eefuele eqmLeefle leLee Dev³e mebye× IeìkeÀeW hej O³eeve osles ngS yeQkeÀ kesÀ efJe®eej mes DeeJeM³ekeÀ mecePes peeves Jeeues ce®eXì yeQkeÀme&,
ueer[ heýebOekeÀeW, meueenkeÀejeW SJeb Ssmes Dev³e heéefOekeÀeefj³eeW kesÀ hejeceMe& keÀj efveOee&efjle efkeÀ³ee peeSiee.
Den&lee heéhle mebmLeeveeW keÀes huesmeceWì kesÀ ceeO³ece mes GhejesÊeÀevegmeej F&eqkeÌJeìer Mes³eme& peejer keÀjles mece³e, ³en megefveeq½ele efkeÀ³ee peeSiee efkeÀ:
i. F&eqkeÌJeìer Mes³eme& kesÀ keÀercele efveOee&jCe kesÀ he´³eespeve mes mebiele leejerKe, mesyeer (DeeF&meer[erDeej) efJeefve³eecekeÀeW kesÀ DeO³ee³e VIII Deewj/DeLeJee ueeiet Dev³e efJeefve³eceeW kesÀ
Devegmeej he´mleeefJele FeqkeÌJeìer Mes³ej peejer keÀjves kesÀ mebyebOe ceW meom³eeW kesÀ Devegceesove keÀer heéeqhle SJeb DeefOeefve³ece kesÀ Dev³e ueeiet heéJeOeeveeW, efve³eceeW, efJeefve³eceeW leLee
efoMeeefveoxMeeW kesÀ Debleie&le lelhe½eele Dee³eesefpele Gme yewþkeÀ keÀer leejerKe nesieer efpemeceW yees[& DeLeJee hetbpeer Gieener meefceefle FeqkeÌJeìer Mes³ej kesÀ he´mleeefJele efveie&ce keÀes
Keesueves keÀe efveCe&³e efue³ee peelee nw.
ii. ®etbefkeÀ Mes³ej he´mleeJe keÀe keÀercele efveOee&jCe yeeo kesÀ ®ejCeeW mes hetJe& veneR efkeÀ³ee pee mekeÀlee Deleë peejer efkeÀS peeves Jeeues Mes³ejeW keÀer keÀercele J³eÊeÀ keÀjvee mecYeJe
veneR nw. leLeeefhe, ³en mece³e mece³e hej mebMeesefOele mesyeer DeeF&meer[erDeej efJeefve³eceeW, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 Deewj
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³eme& SC[ ceereEìime) efJeefve³ece, 1998 DeLeJee Dev³e efoMeeefveoxMeeW/efJeefve³eceeW/menceefle³eeW kesÀ heéJeOeeveeW kesÀ Devegªhe neWies, pees ueeiet neW
DeLeJee Dehesef#ele neW.
iii. hetCe& oÊe Mes³ejeW keÀe efveie&ceve SJeb Deeyebìve mesyeer (DeeF&meer[erDeej) efJeefve³eceeW kesÀ efveefnleeLe& ceW efmeHe&À Den&leeheéhle mebmLeeiele ¬esÀleeDeeW (keÌ³etDeeF&yeer) keÀes ner efkeÀ³ee
peeSiee Deewj FvekeÀe Deeyebìve, Ghe³eg&ÊeÀ mebkeÀuhe kesÀ heeefjle nesves keÀer efleefLe mes 12 cenerves kesÀ Devoj efkeÀ³ee peeSiee.
iv. he´mleeJe kesÀ efJemle=le efve³ece SJeb MeleX yeepeej keÀer he´®eefuele eqmLeefle SJeb Dev³e efJeefve³eecekeÀ DeeJeM³ekeÀleeDeeW keÀes O³eeve ceW jKeles ngS hejeceMe&keÀeW, DeieĆeer heýevOekeÀeW
SJeb neceeroejeW Deewj Dev³e Jeebefíle Ssmes heéefOekeÀejer DeLeJee heéefOekeÀeefj³eeW kesÀ meeLe efJe®eej-efJeceMe& keÀj le³e efkeÀS peeSbies.
v. heéfleYetefle³eeW keÀes peejer keÀjves keÀer MeleeX kesÀ Devegmeej, DeefleDeeyebìve, ³eefo keÀesF& nes, keÀes efceueekeÀj Fme he´keÀej pegìeF& ieF& kegÀue jeefMe efheíues efJeÊe Je<e& kesÀ
uesKeehejeref#ele leguevehe$e ceW oe|Mele yeQkeÀ keÀer efveJeue ceeefue³ele kesÀ 5 iegvee mes DeefOekeÀ veneR nesveer ®eeefnS.
vi. ceev³eleeheéhle mìe@keÀ SkeÌme®eWpe DeLeJee mesyeer (DeeF&meer[erDeej) efJeefve³eceeW Üeje mece³e mece³e hej oer ieF& Devegceefle kesÀ DeueeJee ³es heéfleYetefle³eeb FvekesÀ Deeyebìve keÀer
efleefLe mes 1 Je<e& keÀer DeJeefOe lekeÀ DeblejCe/efJe¬eÀ³e efkeÀS peeves kesÀ hee$e veneR neWieer.
vii. Deeyebefìle FeqkeÌJeìer Mes³ej ef[efJe[W[ meefnle nj he´keÀej mes yeQkeÀ kesÀ efJeÐeceeve FeqkeÌJeìer Mes³ejeW mecekeÀ#e neWies.
DeehekesÀ efveosMekeÀieCe Fme keÀe³e& met®eer kesÀ veesefìme ceW ³eLee-GuuesefKele efJeMes<e he´mleeJe keÀes heeefjle keÀjves keÀer DevegMebmee keÀjles nQ.
yeQkeÀ kesÀ efveosMekeÀieCe keÀes yeQkeÀ ceW GvekeÀer Jew³eefÊeÀkeÀ #ecelee ceW GvekeÀer Mes³ejOeeefjlee keÀer meercee lekeÀ Fme mebkeÀuhe nsleg mecye× SJeb F®ígkeÀ ceevee peeSiee.
efveosMekeÀ ceb[ue kesÀ DeeosMe mes
nmle/-
mLeeve : cegcyeF& (Deevebo kegÀceej oeme)
efoveebkeÀ : 22.05.2019 Ghe ceneheýebOekeÀ kebÀheveer meef®eJe
16
kegÀue J³eJemee³e
(` keÀjesæ[ ceW)
hewjeceerìj cee®e& 08 cee®e& 09 cee®e& 10 cee®e& 11 cee®e& 12 cee®e& 13 cee®e& 14 cee®e& 15 cee®e& 16 cee®e& 17 cee®e& 18 cee®e& 19
kegÀue J³eJemee³e 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390 4,50,539 4,56,336 4,49,679 4,72,323 4,67,584
Je<e&-oj-Je<e& Je=ef× 35.48% 18.10% 23.49% 15.43% 11.63% 15.96% 5.25% 6.41% 1.29% (1.46%) 5.04% (1.00%)
kegÀue pecee 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069 2,55,572 2,66,184 2,96,671 2,94,839 2,99,855
Je<e&-oj-Je<e& Je=ef× 33.28% 18.99% 23.49% 10.64% 9.38% 15.22% 6.21% 6.46% 4.15% 11.45% (0.62%) 1.70%
kegÀue $eÝCe SJeb Deefieće 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321 1,94,967 1,90,152 1,53,008 1,77,484 1,67,729
Je<e&-oj-Je<e& Je=ef× 38.88% 16.76% 23.49% 22.67% 14.70% 16.92% 4.02% 6.35% (2.47%) (19.53%) 16.00% (5.50%)
efveJesMe 32,646 44,445 52,008 54,847 59,577 72,662 86,384 95,655 89,895 93,792 1,05,295 1,29,219
Je<e&-oj-Je<e& Je=ef× 12.43% 36.14% 17.02% 5.46% 8.62% 21.96% 18.88% 10.73% (6.02%) 4.34% 12.26% 22.72%
meer[er Devegheele 67.34% 66.08% 66.08% 73.27% 76.83% 77.97% 76.36% 76.29 71.44 51.57% 60.20% 55.94%
Deeeqmle³eeW hej heéfleueeYe 0.54% 0.45% 0.66% 0.70% 0.26% 0.44% (0.47%) 0.21% (0.48%) (0.80%) (1.61%) (1.70%)
ueeYeheólee
(` keÀjesæ[ ceW)
hewjeceerìj cee®e& 08 cee®e& 09 cee®e& 10 cee®e& 11 cee®e& 12 cee®e& 13 cee®e& 14 cee®e& 15 cee®e& 16 cee®e& 17 cee®e& 18 cee®e& 19
mekeÀue Dee³e 8,787 11,525 13,799 16,486 20,545 23,528 26,350 28,303 27,825 27,537 26,659 25,052
Je<e&-oj-Je<e& Je=ef× 30.94% 31.17% 19.73% 19.47% 24.62% 14.52% 11.99% 7.41% (1.69%) (1.03%) (3.19%) (6.03%)
mekeÀue J³e³e 7,518 10,088 11,741 13,895 17,730 20,355 23,112 24,744 25,183 24,448 23,926 21,925
Je<e&-oj-Je<e& Je=ef× 38.10% 34.18% 16.38% 18.35% 27.60% 14.81% 13.54% 7.06% 1.77% (2.92%) (2.14%) (8.36%)
heefj®eeueve ueeYe 1,268 1,437 2,058 2,591 2,815 3,173 3,238 3,559 2,642 3,089 2,733 3,127
Je<e&-oj-Je<e& Je=ef× 0.20% 13.28% 43.24% 25.90% 8.65% 12.72% 2.05% 9.91% (25.77%) 16.92% (11.52%) 14.42%
Meg× ueeYe/neefve 550 571 1,059 1,252 533 1,015 (1,263) 606 (1,418) (2,439) (5,105) (5,641)
Je<e&-oj-Je<e& Je=ef× 10.47% 3.83% 85.36% 18.24% (57.43%) 90.43% (224.43%) 147.98 ---- ---- ---- ----
efvece (%) 2.53 1.97 1.86 3.31 2.78 2.65 2.73 2.79 2.78 2.51 2.47 2.54
Meg× y³eepe Dee³e 2,223 2,228 2,545 5,326 5,169 5,738 6,493 7,247 7,065 6,574 6,517 6,773
Je<e&-oj-Je<e& Je=ef× (10.16%) 0.22% 14.23% 109.27% (2.95%) 11.01% 13.16% 11.60% (2.51%) (6.95%) (0.88%) 3.93%
iewj y³eepe Dee³e 791 1,070 1,735 1,265 1,395 1,667 1,923 1,894 1,938 2,876 2,623 2,413
Je<e&-oj-Je<e& Je=ef× 66.31% 35.26% 62.15% (27.09%) 10.28% 19.50% 15.35% (1.51%) 2.32% 48.40% (8.80%) (8.01%)
17
efveosMekeÀ efjheesì& 2018-19

DeehekesÀ efveosMekeÀeW keÀes efoveebkeÀ 31 cee®e&, 2019 meceehle Je<e& kesÀ efueS yeQkeÀ keÀer Jeee|<ekeÀ efjheesì& kesÀ meeLe uesKee hejeref#ele uesKee efJeJejCe, ueeYe SJeb neefve Keeles leLee
vekeÀo-he´Jeen efJeJejCe keÀes he´mlegle keÀjles ngS he´meVelee nw.
1. keÀe³e& efve<heeove JewefMeäîe
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀe kegÀue J³eJemee³e `4,67,584 keÀjesæ[ jne pees 31 cee®e&, 2018 keÀes `4,72,323 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀer kegÀue pecee jeefMe ` 299855 keÀjesæ[ nes ie³eer, pees 31 cee®e&, 2018 ceW ` 294839 keÀjesæ[ Leer.
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀe kegÀue Deefieće ` 1,67,729 keÀjesæ[ nes ie³ee nw, pees 31 cee®e&, 2018 ceW ` 1,77,484 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW kegÀue Dee³e ` 25,052 keÀjesæ[ ngF& peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW ³en
` 26,659 keÀjesæ[ Leer.
yeQkeÀ keÀer iewj-y³eepe Dee³e efoveebkeÀ 31 cee®e&, 2019 keÀes ` 2,413 keÀjesæ[ ngF& pees efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW ` 2,623 keÀjesæ[
Leer.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ keÀe heefj®eeueve ueeYe 14.42% keÀer Je=ef× oMee&les ngS ` 3,127 keÀjesæ[ ngDee, pees efheíues Je<e&
efoveebkeÀ 31 cee®e&, 2017 keÀes meceehle efJeÊeer³e Je<e& ceW ` 3089 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊe Je<e& ceW yeQkeÀ ves ` 5,641 keÀjesæ[ keÀer efveJeue neefve ope& keÀer nw, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle
efheíues efJeÊe Je<e& kesÀ oewjeve efveJeue neefve ` 5,105 keÀjesæ[ Leer. ³en neefve cegK³ele: G®®elej SveheerS heéJeOeeveeW, G®®elej eqmuehespe/SeEpeie SJeb SvemeerSueìer
KeeleeW ceW DeefleefjÊeÀ heéJeOeeveeW, efveJesMe hej efJeMes<e ªhe mes Ieìles ì^seE[ie ueeYe, efveJeue y³eepe Dee³e ceW keÀceer Fl³eeefo kesÀ keÀejCe nw.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve keÀce&®eejer J³e³e ` 471 keÀjesæ[ keÀer keÀceer kesÀ meeLe ` 3,566 keÀjesæ[ nes ie³ee pees efoveebkeÀ 31
cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW ` 4,037 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW hetbpeer he³ee&hlelee Devegheele (yeemeue-II kesÀ Debleie&le)10.13% nes ie³ee, efpemeceW ìer³ej I 5.70% Deewj
ìer³ej II 4.43% nw. efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW hetbpeer he³ee&hlelee Devegheele (yesmeue- III kesÀ Debleie&le) 9.61% nes ie³ee, efpemeceW
ìer³ej I 7.49% Deewj ìer³ej II 2.12% nw.
yeQkeÀ keÀer Meg× ceeefue³ele ` 16,062.89 keÀjesæ[ jner.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW vekeÀo Jemetueer yeæ{keÀj 5,161 keÀjesæ[ nes ie³eer pees efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e&
ceW ` 2403 keÀjesæ[ Leer.
efoveebkeÀ 31 cee®e&, 2019 keÀes mekeÀue DeefiećeeW ceW mekeÀue SveheerS yesnlejer oMee&les ngS 19.29% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2018 keÀes 21.48% Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes Meg× DeefiećeeW ceW Meg× SveheerS IeìkeÀj 7.73% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2018 keÀes 11.10% Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes heésefJepeve keÀJejspe Devegheele megOejkeÀj 76.60% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2018 keÀes 63.31% Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW Meg× y³eepe ceee|peve (SveDeeF&Sce) megOejkeÀj 2.54% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2018 keÀes
meceehle efJeÊeer³e Je<e& ceW 2.47% Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW heéfle keÀce&®eejer J³eJemee³e ` 12.78 keÀjesæ[ jne.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW Deeeqmle³eeW hej heéfleHeÀue (DeejDeesS) (1.70)% jne.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve heéLeefcekeÀlee #es$e ceW $eÝCe efve³eespeve yeæ{keÀj ` 83,201 nes ie³ee nw. pees efoveebkeÀ 31 cee®e&,
2018 keÀes meceehle efJeÊeer³e Je<e& mes ` 366 keÀjesæ[ keÀer Je=ef× oMee&lee nw. leLeeefhe heéLeefcekeÀlee #es$e DeefiećeeW ceW SSveyeermeer keÀes $eÝCe kesÀ DeeefOekeÌ³e keÀe HeÀe³eoe
Gþeles ngS yeQkeÀ ves heerSmeSuemeer ceW efye¬eÀer/Kejero uesveosve efkeÀ³ee nw. Je<e& kesÀ oewjeve yeQkeÀ ves heéLeefcekeÀlee #es$e Deefieće ceW ` 27,436 keÀjesæ[ kesÀ heerSmeSuemeer
keÀe efJe¬eÀ³e efkeÀ³ee nw leLee SceSmeSceF& heesì&HeÀesefue³eeW ceW ` 5,885 keÀjesæ[ keÀer heerSmeSuemeer keÀer Kejero keÀer nw. Fme he´keÀej, efJeÊeer³e Je<e& keÀer meceeeqhle hej
Meg× efye¬eÀer ` 21,551 keÀjesæ[ jner. efoveebkeÀ 31.03.2019 keÀes heéLeefcekeÀlee #es$e ceW DeejDeeF&[erSHeÀ ceW yekeÀe³ee `4907.27 keÀjesæ[ jne efpemeceW mes ke=Àef<e
ceW ³en jeefMe `3,075.97 keÀjesæ[ jner.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ keÀe ke=Àef<e $eÝCe Je<e&-oj-Je<e& 15.85% keÀer Je=ef× ope& keÀjles ngS ` 35,655 keÀjesæ[ nes ie³ee
pees efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e Je<e& ceW ` 30,776 keÀjesæ[ Lee.
18
heerSmeSuemeer Deewj efme[yeer leLee cegêe efue. ceW efveJesMe efkeÀS efyevee efoveebkeÀ 31 cee®e&, 2019 keÀes SceSmeSceF& Deefieće ` 32,090 jne pees kegÀue Deefieće Deewj
$eÝCe keÀe 19.13% nw.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW efjìsue $eÝCe yeæ{keÀj ` 48,666 keÀjesæ[ nes ie³ee pees efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e
Je<e& ceW ` 48,123 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ keÀe DeeJeeme $eÝCe heesì&HeÀesefue³ees 23,301 keÀjesæ[ jne, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018
keÀes meceehle efJeÊeer³e Je<e& ceW ³en ` 21,392 keÀjesæ[ Lee, pees Je<e&-oj-Je<e& 8.92% keÀer Je=ef× oMee&lee nw. efoveebkeÀ 31 cee®e&, 2019 keÀes kegÀue efjìsue
heesì&HeÀesefue³ees ceW DeeJeeme $eÝCe heesì&HeÀesefue³ees keÀer efnmmesoejer 47.88% jner.
yeQkeÀ ves osMe kesÀ 9 jep³eeW ceW 46 ieéceerCe mJejespeieej SJeb heéfMe#eCe keWÀê (Deejmesìer) ³eLee ceO³e heósMe (18), efyenej (9), cenejeä^ (6), GÊej heósMe (5),
heeq½ece yebieeue (3), íÊeermeieæ{ (2), jepemLeeve (1), Deesæ[ermee (1) SJeb Demece (1) ceW mLeeefhele efkeÀS nQ. Je<e& 2018-19 kesÀ oewjeve, Deejmesìer ves 1098
heéfMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS Deewj GveceW 31,274 DeY³ee|Le³eeW keÀes heéfMe#eCe efo³ee nw. FveceW mes 23403 (DeLee&le 74%) heéfMe#egDeeW keÀes yeQkeÀ $eÝCe,
Jesleve mecePeewles SJeb mJe-efJeÊe kesÀ ceeO³ece mes efve³eesefpele efkeÀ³ee ie³ee nw. efve³eesefpele DeY³ee|Le³eeW keÀer ¬esÀef[ì eEuekesÀpe GheueeqyOe 13,227 DeLee&le 43% jner.
yeQkeÀ kesÀ heeme efoveebkeÀ 31 cee®e&, 2019 lekeÀ 3 jep³eeW kesÀ 48 efpeueeW ceW 1629 MeeKeeDeeW kesÀ vesìJeke&À kesÀ meeLe 3 #es$eer³e ieéceerCe yeQkeÀ nQ.
yeQkeÀ ves efJeÊeer³e meceeJesMeve kesÀ Debleie&le 2000 mes DeefOekeÀ keÀer pevemebK³ee Jeeues 4,330 ieebJeeW leLee 2000 mes keÀce keÀer pevemebK³ee Jeeues 18,376 ieebJeeW
keÀes keÀJej efkeÀ³ee nw. yeQkeÀ ves ³es meYeer ieebJe 6,387 yeermeer Spesvì kesÀ ceeO³ece mes keÀJej efkeÀS nQ. nceves 177 Menjer efJeÊeer³e meceeJesMeve keWÀê Yeer Keesues nw.
yeQkeÀ ves yeermeer SJeb MeeKeeDeeW kesÀ ceeO³ece mes 202 ueeKe yesefmekeÀ meseEJeie yeQkeÀ ef[hee@efpeì Keeles (yeerSmeyeer[erS) Keesues nw. efoveebkeÀ 31 cee®e&, 2019 keÀes Fve
KeeleeW ceW kegÀue pecee Mes<e ` 3,307.16 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀeM³egjWme J³eJemee³e mes kegÀue Dee³e `22 keÀjesæ[ ngF&.
efoveebkeÀ 31 cee®e&, 2019 keÀes hetjs osMe ceW yeQkeÀ kesÀ vesìJeke&À ceW 4659 MeeKeeSb nQ efpeveceW mes 63.32% ieéceerCe SJeb DeOe&Menjer #es$eeW ceW, 3966 SìerSce,
10 mesìsueeFì keÀe³ee&ue³e SJeb 1 efJemleej heìue nQ.
2. Dee³e SJeb J³e³e
Je<e& 2018-19 keÀer DeJeefOe ceW Dee³e SJeb J³e³e kesÀ efJeJejCe efvecveevegmeej efoS pee jns nQ : ` keÀjesæ[ ceW
31.03.2019 31.03.2018 efJe®eueve %
1 y³eepe Dee³e 22639 24036 (1397) (5.81)
-Deefieće 12950 14478 (1528) (10.55)
-efveJesMe 8454 7138 1316 18.44
-Dev³e 1235 2420 (1185) (48.97)
2 iewj y³eepe Dee³e 2413 2623 (210) (8.01)
3 kegÀue Dee³e (1+2) 25052 26659 (1607) (6.03)
4 heóÊe y³eepe 15866 17519 (1653) (9.44)
-pecee 15276 16222 (946) (5.83)
-Dev³e 590 1297 (707) (54.51)
5 heefj®eeueve y³e³e 6059 6407 (348) (5.43)
-mLeehevee 3565 4037 (472) (11.69)
-Dev³e 2494 2370 124 5.23
6 kegÀue J³e³e (4+5) 21925 23926 (2001) (8.36)
7 mhe´w[ (1-4) 6773 6517 256 3.93
8 heefj®eeueve ueeYe (3-6) 3127 2733 394 14.42
9 heéJeOeeve 8768 7838 930 11.87
10 keÀj kesÀ efueS heéJeOeeve (2529) (2791) 262 (9.39)
11 Meg× ueeYe/(neefve) (5641) (5105) (536) ------
19
3. heéJeOeeve
efheíues efJeÊeer³e Je<e& keÀer leguevee ceW Je<e& 2018-19 kesÀ oewjeve, ueeYe SJeb neefve Keeles keÀes heÝeeefjle ` 8,768 keÀjesæ[ kesÀ kegÀue heéJeOeeve keÀe efJemle=le efJeJejCe
efvecveevegmeej nw :
( ` keÀjesæ[ ceW)
31.03.2019 31.03.2018 efJe®eueve
ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve (115) 7 (122)
SveheerS kesÀ efueS heéJeOeeve 11030 10543 487
hegveme¥jef®ele KeeleeW kesÀ efueS heéJeOeeve (425) (951) 526
efveJesMe kesÀ efueS heéJeOeeve 984 799 185
keÀjeW kesÀ efueS heéJeOeeve (2529) (2791) 262
Dev³e (177) 231 (408)
kegÀue 8768 7838 930
4. ueeYeheólee Devegheele
(heéfleMele ceW)
31.03.2019 31.03.2018
peceeDeeW keÀer ueeiele 5.21 5.53
efveefOe³eeW keÀer ueeiele 5.28 5.79
DeefiećeeW hej Dee³e 7.28 8.31
efveJesMeeW hej Dee³e 7.15 7.14
Meg× y³eepe ceee|peve 2.54 2.47
ueeiele Dee³e Devegheele 65.96 70.10
5. J³eeJemeeef³ekeÀ Devegheele
(heéfleMele ceW)
31.03.2019 31.03.2018
y³eepe Dee³e SJeb Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) 6.81 7.59
iewj-y³eepe Dee³e SJeb Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) 0.73 0.83
heefj®eeueve ueeYe SJeb Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) 0.94 0.86
Deewmele Deeeqmle³eeW hej heéfleHeÀue (1.70) (1.61)
heéfle keÀce&®eejer J³eJemee³e (` keÀjesæ[ ceW) 12.78 12.71
heéfle keÀce&®eejer Meg× ueeYe (` keÀjesæ[ ceW) (15.55) (13.86)
6. hetbpeer SJeb peesefKece Yeeefjle Deeeqmle³eeW keÀe Devegheele (meerDeejSDeej)

hetbpeer he³ee&hlelee Devegheele kesÀ mebefJeYeeie efvecveevegmeej nQ :
31.03.2019 31.03.2018
yeemeue-III yeemeue-III
meerF&ìer 1 / efì³ej-1 7.49 7.01
efì³ej-2 2.12 2.03
hetbpeer he³ee&hlelee Devegheele 9.61 9.04
20
7. Meg× neefve
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve yeQkeÀ keÀes ` 5641 keÀjesæ[ keÀer Meg× neefve ngF& nw. leovegmeej, efJeÊeer³e Je<e& 2018-19 kesÀ efueS
efveosMekeÀ ceb[ue ves FeqkeÌJeìer Mes³ej hej keÀesF& efkeÀmeer he´keÀej keÀe ueeYeebMe osves keÀer mebmlegefle veneR keÀer nw.
8. Je<e& kesÀ oewjeve efveosMekeÀ ceb[ue ceW heefjJele&ve
meceer#eeOeerve Je<e& kesÀ oewjeve, yeQkeÀ kesÀ efveosMekeÀ ceb[ue ceW efvecveefueefKele heefjJele&ve ngS nQ :
Þeer leheve je³e efoveebkeÀ 23 ceF&, 2018 mes efJeÊeer³e mesJeeSb efJeYeeie, Yeejle mejkeÀej keÀer DeefOemet®evee kesÀ Devegmeej DebMekeÀeefuekeÀ iewj-mejkeÀejer Deewj iewj-
keÀe³e&keÀejer DeO³e#e kesÀ ªhe ceW efve³egÊeÀ efkeÀS ieS nQ.
Þeer jepeerJe $eÝef<e, heýebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer, efoveebkeÀ 1 Deiemle, 2018 mes yeQkeÀ kesÀ efveosMekeÀ veneR nQ.
Þeer heuueJe cenehee$e Yeejle mejkeÀej kesÀ efJeÊeer³e mesJee efJeYeeie keÀer DeefOemet®evee kesÀ Devegmeej 21 efmelebyej, 2018 mes yeQkeÀ kesÀ heýebOe efveosMekeÀ Deewj cegK³e
keÀe³e&keÀejer DeefOekeÀejer kesÀ ªhe ceW efve³egÊeÀ efkeÀS ieS nQ.
Þeer ieeseEJeo ceesnve efoveebkeÀ 14 ceF&, 2018 mes yeQkeÀ kesÀ Yeejle mejkeÀej Üeje veeefcele efveosMekeÀ veneR nQ.
[e@ Yet<eCe kegÀceej efmevne keÀes Yeejle mejkeÀej keÀer DeefOemet®evee kesÀ Devegmeej, 14 ceF&, 2018 mes efJeÊeer³e mesJeeSb efJeYeeie, Yeejle mejkeÀej kesÀ veeefcele efveosMekeÀ
kesÀ ªhe ceW efve³egÊeÀ efkeÀS ieS nQ.
Þeer yeer kesÀ efoJeekeÀj, keÀe³e&heeuekeÀ efveosMekeÀ, efoveebkeÀ 23 peveJejer, 2019 mes yeQkeÀ kesÀ efveosMekeÀ veneR nQ.
Þeer DeeueeskeÀ ÞeerJeemleJe efJeÊeer³e mesJeeSb efJeYeeie, Yeejle mejkeÀej keÀer DeefOemet®evee kesÀ Devegmeej 23 peveJejer, 2019 mes 3 Je<e& keÀer DeJeefOe kesÀ efueS yeQkeÀ kesÀ
keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ efkeÀS ieS nQ.
Mes³ejOeejkeÀ efveosMekeÀ Þeer kesÀ Deej heìsue efoveebkeÀ 1 pegueeF&, 2018 mes yeQkeÀ kesÀ efveosMekeÀ veneR nQ.
Þeerceleer efceveer DeeFhe keÀes 1 pegueeF&, 2018 mes mes yeQkeÀ kesÀ Mes³ejOeejkeÀ efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ keÀer ieF& nQ.
efveosMekeÀ ceb[ue, efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve yeQkeÀ kesÀ efveosMekeÀ heo mes mesJeeefveJe=Êe ngS Þeer jepeerJe $eÝef<e, Þeer ieeseEJeo ceesnve, Þeer yeer kesÀ efoJeekeÀj Deewj Þeer
kesÀ Deej heìsue heóÊe yengcetu³e ³eesieoeve keÀer mejenvee keÀjles ngS GvekeÀer mesJeeDeeW keÀes jsKeebefkeÀle keÀjlee nw.
8.1 efJeÊeer³e mesJeeSb efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej keÀer DeefOemet®evee efoveebkeÀ 26 DeÒewue, 2019 kesÀ Devegmeej efJeÐeceeve DeejyeerDeeF& veeefcele efveosMekeÀ Þeer MesKej
Yeìveeiej kesÀ mLeeve Hej nceejs yeQkeÀ kesÀ yees[& ceW Þeer Lee@ceme cewL³et, #es$eer³e efveosMekeÀ, Yeejleer³e efj]peJe& yeQkeÀ, peccet keÀes legjble ÒeYeeJe (efoveebkeÀ 26 DeÒewue, 2019)
mes Deieues DeeosMe lekeÀ DeejyeerDeeF& veeefcele efveosMekeÀ ceveesveerle efkeÀ³ee peelee nw. Þeer MesKej Yeìveeiej Üeje DeejyeerDeeF& efveosMekeÀ kesÀ ©He ceW DeHeves keÀe³e&keÀeue kesÀ
oewjeve efoS ieS yengcetu³e ³eesieoeve nslet yees[& Üeje ÒeMebmee keÀer peeleer nw.
9. keÀce&®eejer mìe@keÀ ¬eÀ³e ³eespevee (FSmeheerSme) kesÀ ceeO³ece mes hetbpeer pegìevee
efJeÊe Je<e& 2019-20 kesÀ oewjeve yeQkeÀ ves keÀce&®eejer mìe@keÀ ¬eÀ³e ³eespevee (F&SmeheerSme) kesÀ lenle hee$e keÀce&®eeefj³eeW mes ` 212.53 keÀjesæ[ ©he³es keÀer hetbpeer pegìeF&.
F&SmeheerSme kesÀ lenle ³en FM³et 19 cee®e&, 2019 keÀes meymeef¬eÀhMeve kesÀ efueS Keesuee Deewj 29 cee®e&, 2019 keÀes yebo efkeÀ³ee ie³ee Lee. 31 cee®e&, 2019 keÀes
`212.53 keÀjesæ[ ©he³es keÀer hetbpeer efveefOe Mes³ej DeeJesove efveefOe Keeles ceW jKeer ieF& Leer. yeQkeÀ ves efoveebkeÀ 15 ceF&, 2019 keÀes 26,071 hee$e keÀce&®eeefj³eeW keÀes
Dehesef#ele 7,87,16224 FeqkeÌJeìer Mes³ej DeeJebefìle efkeÀS nQ.
10. heoe&HeÀeMe veerefle
ueeskeÀefnle he´keÀìerkeÀjCe SJeb cegKeefyej mebj#eCe (heerDeeF&[erheerDeeF&) kesÀ Debleie&le yeQkeÀ heoe&HeÀeMe efMekeÀe³eleeW kesÀ efueS keWÀêer³e meleke&Àlee Dee³eesie kesÀ efoMeeefveoxMeeW keÀe
heeueve keÀjlee nw. yeQkeÀ keÀe meWì efJeefpeue veecekeÀ SkeÀ Jesye heesì&ue nw efpemeceW keÀce&®eejer Deewj efveosMekeÀieCe keÀoe®eejeW keÀer efjheese\ìie Deheveer hen®eeve Gpeeiej efkeÀS
efyevee keÀj mekeÀles nQ, pees efmeHe&À cegK³e meleke&Àlee DeefOekeÀejer keÀes ner %eele nesleer nw. efveosMekeÀieCe Deewj keÀce&®eejer DeeJeM³ekeÀlee kesÀ DeeOeej hej uesKeehejer#ee meefceefle
kesÀ DeO³e#e mes Yeer mebheke&À keÀj mekeÀles nQ. Fmemes keÀoe®eej hej DebkegÀMe ueieeves, OeesKeeOeæ[er jeskeÀves SJeb keÀce&®eeefj³eeW keÀe ceveesyeue ye{eves ceW ceoo efceueleer nw.
11. lJeefjle megOeejelcekeÀ keÀej&JeeF&
efoveebkeÀ 13 petve, 2017 keÀes peejer Deheves he$e ceW Yeejleer³e efjpeJe& yeQkeÀ ves G®®e Meg× SveheerS Deewj Deeeqmle³eeW hej vekeÀejelcekeÀ heéeqhle³eeW kesÀ DeeueeskeÀ ceW yeQkeÀ
keÀes lJeefjle megOeejelcekeÀ keÀej&JeeF& (heermeerS) kesÀ Debleie&le jKee nw. yeQkeÀ keÀes ³en efJeéeeme nw efkeÀ heermeerS mes yeenj Deeves kesÀ megOeejelcekeÀ Ghee³e yeQkeÀ kesÀ mebhetCe&
keÀe³e&efve<heeove keÀes megOeejves ceW mene³ekeÀ neWies.
21
12. J³eeJemeeef³ekeÀ GÊejoeef³elJe mebyebOeer efjheesì&

J³eeJemeeef³ekeÀ GÊejoeef³elJe mebyebOeer efjheesì&, Yeejleer³e heéfleYetefle SJeb efJeefvece³e yees[& (oeef³elJe met®eerkeÀjCe SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece 2015 kesÀ
efJeefve³ece 34 kesÀ Debleie&le efveOee&efjle nw pees yeQkeÀ keÀer JesyemeeFì (www.centralbankofindia.co.in) hej GheueyOe nw. FmekeÀer ne[& heéfle heéhle keÀjves keÀe
F®ígkeÀ keÀesF& Yeer J³eefÊeÀ yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e ceW keÀcheveer meef®eJe keÀes efueKe keÀj Fmes heéhle keÀj mekeÀlee nw.
13. efveosMekeÀeW kesÀ GÊejoeef³elJe mebyebOeer efJeJejCe
efveosMekeÀieCe ³en hegefä keÀjles nQ efkeÀ efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS Jeee|<ekeÀ uesKeeW keÀes lew³eej keÀjles mece³e;
cenÊJehetCe& efJe®eueve, ³eefo keÀesF& nw, kesÀ mecyebOe ceW mecegef®ele mheäerkeÀjCe kesÀ meeLe, ueeiet uesKeebkeÀve ceevekeÀeW keÀe Devegheeueve efkeÀ³ee ie³ee nw;
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeevegmeej lew³eej uesKeebkeÀve veerefle³eeW keÀes megmebiele ªhe ceW ueeiet efkeÀ³ee ie³ee nw;
mecegef®ele SJeb efJeJeskeÀmeccle efveCe&³e SJeb heékeÌkeÀueve efkeÀS ieS nQ, leeefkeÀ efJeÊeer³e Je<e& keÀer meceeeqhle hej yeQkeÀ kesÀ keÀejesyeejer ceeceueeW keÀe leLee efoveebkeÀ 31 cee®e&,
2019 keÀes meceehle Je<e& kesÀ Deble ceW yeQkeÀ kesÀ ueeYe/neefve keÀe mener SJeb mheä ef®e$eCe he´mlegle efkeÀ³ee pee mekesÀ;
Yeejle ceW yeQkeÀeW keÀes DeefOeMeeefmele keÀjves Jeeues efve³eceeW kesÀ heéJeOeeveeW kesÀ Devegªhe he³ee&hle uesKeebkeÀve DeefYeuesKe jKeves ceW mecegef®ele SJeb he³ee&hle meeJeOeeefve³eeb
yejleer ieF& nQ; SJeb
ueeYekeÀejer keÀejesyeej Jeeues mebmLeeve kesÀ DeeOeej hej, uesKes lew³eej efkeÀS ieS nQ.
DeebleefjkeÀ efJeÊeer³e efve³eb$eCe he³ee&hle nQ SJeb Jes heÝeeJeer ªhe mes ef¬eÀ³eeeqvJele Les.
meYeer ueeiet keÀevetveeW kesÀ heéJeOeeveeW keÀe Devegheeueve megefveeq½ele keÀjves kesÀ efueS mecegef®ele heĆeeueer lew³eej keÀer ie³eer nw pees he³ee&hle Je heÝeeJeer ªhe mes keÀe³e&jle nQ.
14. keÀe@heexjsì ieJeveXme
yeQkeÀ keÀe efveosMekeÀ ceb[ue, keÀe@heexjsì ieJeveXme he´LeeDeeW keÀes De#ejMe: Deheveeves kesÀ efueS heéfleye× nw. yeQkeÀ ves keÀe@heexjsì ieJeveXme hej megmheä efueefKele heĆeeueer leLee
he´LeeDeeW keÀes Dehevee³ee nw.
15. DeeYeej
efveosMekeÀ ceb[ue Yeejle mejkeÀej, Yeejleer³e efj]peJe& yeQkeÀ Deewj Yeejleer³e heéfleYetefle SJeb efJeefvece³e yees[& kesÀ Decetu³e ceeie&oMe&ve SJeb men³eesie kesÀ heéfle DeeYeej J³eÊeÀ
keÀjlee nw; efveosMekeÀ ceb[ue Deheves ieénkeÀeW SJeb Mes³ejOeejkeÀeW Üeje heóÊe efveyee&Oe meceLe&ve SJeb efJeéeeme kesÀ efueS GvekesÀ heéfle Yeer DeeYeej J³eÊeÀ keÀjlee nw. efveosMekeÀ
ceb[ue mìeHeÀ meom³eeW kesÀ ³eesieoeve SJeb mecee|hele mesJeeDeeW keÀer he´Mebmee keÀjlee nw.
efveosMekeÀ ceb[ue keÀer Deesj mes
nmle/-
mLeeve : cegbyeF& leheve je³e
efoveebkeÀ : 22 ceF&, 2019 DeO³e#e
22
HeÀe@ce& vebyej SceDeej-3

meef®eJeer³e uesKee hejer#ee efjheesì&
efoveebkeÀ 31 cee®e& 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS.
[mesyeer heefjhe$e mebK³ee DeeF&Deej / meerSHeÀ[er / meerSce[er1/27/2019 efoveebkeÀ 08.02.2019 kesÀ meeLe heefþle kebÀheveer DeefOeefve³ece, 2013 keÀer Oeeje 204(1)
Deewj kebÀheveer (efve³ece Deewj heýebOekeÀer³e keÀee|cekeÀ keÀer efve³egefÊeÀ) efve³ece, 2014 kesÀ efve³ece 9 kesÀ Devegmeej]
heéfle,
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ meom³eieCe,
nceves ueeiet JewOeeefvekeÀ heéJeOeeveeW kesÀ Devegheeueve keÀer meef®eJeer³e uesKee hejer#ee keÀer nw Deewj hee³ee nw efkeÀ mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (FmekesÀ he½eele yeQkeÀ keÀne pee³esiee)
Üeje De®ís keÀe@heexjsì J³eJenejeW keÀe heeueve efkeÀ³ee peelee nw. meef®eJeer³e Dee@ef[ì Fme lejerkesÀ mes efkeÀ³ee ie³ee nw efkeÀ Fme hej keÀe@jheesjsì meb®eeueve / JewOeeefvekeÀ Devegheeueve kesÀ
cetu³eebkeÀve SJeb efoS ieS nceejs efìhheefCe³eeW keÀes Gef®ele DeeOeej efo³ee ie³ee nw.
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ uesKee, keÀeiepeele, keÀe³e&Je=Êe uesKee, he´he$eeW Deewj Yejs ieS efjìve& SJeb yeQkeÀ Üeje jKes ieS Dev³e efjkeÀe@[eX keÀer peeb®e Deewj meeLe ner
meef®eJeer³e uesKee hejer#ee keÀjves kesÀ oewjeve yeQkeÀ DeefOekeÀeefj³eeW Üeje oer ieF& peevekeÀejer kesÀ DeeOeej hej, nce SleodÜeje efjheesì& keÀjles nQ efkeÀ nceejs efJe®eej ceW, yeQkeÀ ves,
efoveebkeÀ 31/03/2019 keÀes meceehle efJeÊeer³e Je<e& keÀes keÀJej keÀjves Jeeues uesKee hejer#ee DeJeefOe kesÀ oewjeve, veer®es met®eerye× JewOeeefvekeÀ heéJeOeeveeW keÀe Devegheeueve efkeÀ³ee nw
SJeb meeLe ner ³en Yeer nw efkeÀ yeQkeÀ kesÀ heeme SkeÀ meercee lekeÀ Gef®ele yees[&-heéf¬eÀ³eeSb Deewj Devegheeueve-leb$e nQ, FmekesÀ he½eele efkeÀS ieS efjheese\ìie kesÀ lejerkesÀ Deewj efJe<e³e:
nceves efvecveefueefKele heéJeOeeveeW kesÀ Devegmeej efoveebkeÀ 31/03/2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS uesKeeW, keÀeiepeeleeW, keÀe³e&Je=Êe uesKeeW, he´he$eeW Deewj yeQkeÀ Üeje jKes ieS
Dev³e DeefYeuesKeeW keÀer peeb®e keÀer nw:
(i) kebÀheveer DeefOeefve³ece, 2013 (DeefOeefve³ece) Deewj FmekesÀ Debleie&le yevee³es ieS efve³ece, pees yeQkeÀ hej heÝeeJeer ªhe mes ueeiet nw
(ii) heéfleYetefle mebefJeoe (efJeefve³eceve) DeefOeefve³ece, 1957 (`SmemeerDeejS’) Deewj GmekesÀ lenle yeveeS ieS efve³ece;
(iii) ef[hee@efpeìjer SkeÌì, 1996 Deewj FmekesÀ Debleie&le yevee³es ieS efJeefve³eceeW Deewj Gheefve³eceeW;
(iv) efJeosMeer cegêe heýebOeve DeefOeefve³ece, 1999 Deewj efJeosMeer he´l³e#e efveJesMe, DeesJejmeerpe he´l³e#e efveJesMe SJeb yeenjer JeeefCeeqp³ekeÀ GOeej kesÀ efueS FmekesÀ Debleie&le yevee³es
ieS efve³eceeW SJeb efJeefve³eceeW; (meceer#eeOeerve DeJeefOe ceW yeQkeÀ kesÀ efueS ueeiet veneR)
(v) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& DeefOeefve³ece, 1992 (mesyeer DeefOeefve³ece) kesÀ lenle efveOee&efjle efvecveefueefKele efJeefve³ece Deewj efoMeeefveoxMe: -
(S) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (met®eerkeÀjCe yeeO³eleeSb Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSB) efJeefve³ece, 2018;
(yeer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (hetbpeer Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeDeeW keÀe ceeceuee) efJeefve³ece, 2018;
(meer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (Mes³ejeW Deewj DeefOeieńCeeW keÀe he³ee&hle DeefOeieńCe) efJeefve³ece, 2011;
([er) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (heéfleYetefle³eeW keÀe hegveKe&jero) efJeefve³ece, 2018; (meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet veneR, Dele: keÀesF& yee³eyewkeÀ
veneR Les)
(F&) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (Mes³ej DeeOeeefjle keÀce&®eejer ueeYe) efJeefve³ece, 2014;
(SHeÀ) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& ($eÝCe heéfleYetefle³eeW keÀe efveie&ceve Deewj met®eerkeÀjCe) efJeefve³ece, 2008;
(peer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (iewj-heefjJele&veer³e Deewj heéfleos³e DeefOeceeveer Mes³eme& keÀe efveie&ceve SJeb met®eerye× keÀjvee) efJeefve³ece, 2013;
(meceer#eeOeerve Je<e& ceW yeQkeÀ kesÀ efueS ueeiet veneR)
(S®e) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (FvemeeF[j ì^seE[ie keÀe efve<esOe) efJeefve³ece, 2015;
(vi) yeQkeÀ kesÀ efueS ueeiet Dev³e efve³ece efvecveefueefKele nw:
(S) Yeejleer³e efj]peJe& yeQkeÀ (RBI) Deewj Yeejle mejkeÀej (GOI) Üeje mece³e-mece³e hej peejer DeefOemet®evee Deewj heefjhe$eeW kesÀ meeLe yeQeEkeÀie efJeefve³eceve DeefOeefve³ece
1949
(yeer) yeQeEkeÀie kebÀheefve³eeb (Ghe¬eÀceeW keÀe DeefOeieńCe Deewj nmleeblejCe) DeefOeefve³ece, 1970 Deewj FmekesÀ mebMeesOeve
23
(meer) jeäêr³eke=Àle yeQkeÀ (heýebOeve Deewj efJeefJeOe heéJeOeeve) ³eespevee, 1970

([er) mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³ej Deewj ceereEìie) efJeefve³ece, 1998
nceves efvecveefueefKele ueeiet OeejeDeeW kesÀ Devegheeueve keÀer Yeer peeb®e keÀer nw:
(I) Yeejleer³e kebÀheveer meef®eJe mebmLeeve Üeje peejer efkeÀS ieS meef®eJeer³e ceevekeÀ~
(ii) yeQkeÀ Üeje yeerSmeF& efueefceìs[ (BSE) efueefceìs[ Deewj vesMeveue mìe@keÀ SkeÌme®eWpe Dee@]HeÀ Fbef[³ee efueefceìs[ (NSE) kesÀ meeLe efkeÀS ieS efueeÅmìie SieérceWìdme
meceer#eeOeerve DeJeefOe kesÀ oewjeve, yeQkeÀ ves Ghe³eg&ÊeÀ efoS ieS DeefOeefve³ece, efve³eceeW, efJeefve³eceeW, efoMeeefveoxMeeW, ceevekeÀeW Fl³eeefo kesÀ heéJeOeeveeW keÀe Devegheeueve efkeÀ³ee nw.
nce ³en Yeer efjheesì& keÀjles nQ efkeÀ
yeQkeÀ keÀe efveosMekeÀ ceb[ue Gef®ele he´keÀej mes mJeleb$e efveosMekeÀeW SJeb ceefnuee efveosMekeÀeW meefnle keÀe³e&heeuekeÀ efveosMekeÀeW, iewj keÀe³e&heeuekeÀ efveosMekeÀeW kesÀ hetCe& meblegueve meefnle
ieefþle nw. efveosMekeÀ ceb[ue kesÀ mebIeìve ceW meceer#ee mece³eeJeefOe kesÀ Debleie&le efkeÀS ieS heefjJele&ve yeQeEkeÀie efJeefOe kesÀ heéJeOeeve kesÀ Devegheeueve ceW mesyeer ( SueDees[erDeej) kesÀ
meeLe meecebvpem³e meefnle nw.
meYeer efveosMekeÀeW keÀes yees[& yewþkeÀ, Spesv[e SJeb Spesv[e hej efJemle=le veesì kesÀ yeejs ceW meele efove hetJe& ner veesefìme he´sef<ele keÀj efo³ee ie³ee Lee SJeb FmekesÀ DeefleefjÊeÀ yewþkeÀ ceW
peevekeÀejer SJeb Spesv[e ceoeW hej mheäerkeÀjCe heéhle keÀjves kesÀ efueS SkeÀ heĆeeueer yevee³eer ie³eer nw leeefkeÀ yewþkeÀ ceW SkeÀ meeLe&keÀ menYeeefielee nes mekesÀ.
yeQkeÀ kesÀ efveosMekeÀ ceb[ue keÀer yewþkeÀ ceW heefjhe$eeW kesÀ Üeje he´mleeJeeW meefnle efveCe&³eeWhej meJe&mecceefle mes menceefle oer ie³eer. meceer#ee keÀer DeJeefOe kesÀ Debleie&le efveosMekeÀ ceb[ue kesÀ
efkeÀmeer Yeer meom³e Üeje keÀesF& Demenceefle veneR oMee&³eer ie³eer.
FmekesÀ DeefleefjÊeÀ nce ³en Yeer efjheesì& keÀjles nQ efkeÀ yeQkeÀ kesÀ DeekeÀej SJeb heefj®eeueve keÀes cee@veerìj SJeb ueeiet keÀevetve, efve³eceeW, efJeefve³eceeW SJeb efoMee efveoxMeeW kesÀ Devegheeueve
keÀes megefveeq½ele keÀjves kesÀ efueS GmekesÀ Devegªhe he³ee&hle heĆeeueer SJeb heéf¬eÀ³eeSb GheueyOe nQ.
FmekesÀ DeefleefjÊeÀ nce ³en Yeer metef®ele keÀjles nQ efkeÀ uesKeehejer#ee kesÀ oewjeve:
i). yeQkeÀ keÀer efoveebkeÀ 30 petve, 2018 keÀes Dee³eesefpele Jeee|<ekeÀ meeOeejCe yewþkeÀ ceW ve³es F&eqkeÌJeìer Mes³ej / DeLeJee yeemeue III keÀer efoMee efveoxMeeW kesÀ Devegmeej DeefleefjÊeÀ
efì³ej –I DeLeJee efì³ej II hetbpeer peejer keÀj yeQkeÀ keÀer hetbpeer Gieener keÀer mJeerke=Àefle kesÀ efueS efJeMes<e mebkeÀuhe efue³ee ie³ee.
leovegmeej, yeQkeÀ kesÀ yees[& keÀer hetbpeer Gieener meefceefle ves efoveebkeÀ 29 cee®e&, 2019 keÀes mesyeer (GOeej heéfleYetefle³eeW keÀe peejerkeÀjCe SJeb met®eerye×lee) DeefOeefve³ece,
2008 kesÀ Devegheeueve ceW he´l³eskeÀ `10 ueeKe kesÀ `500 keÀjesæ[ keÀer jeefMe kesÀ SveSmeF& / yeerSmeF& FueskeÌìê@efvekeÀ efyeeE[ie huesìHeÀe@ce& hej yebo ngF& yeesueer heéf¬eÀ³ee kesÀ
ceeO³ece mes efvepeer efve³eespeve DeeOeej hej 5000 yee@v[me Yeejleer³e peerJeve yeercee efveiece keÀes Deeyebefìle efkeÀS.
ii). yeQkeÀ keÀer efoveebkeÀ 13 veJecyej, 2018 keÀes Dee³eesefpele Demeceev³e meeOeejCe yewþkeÀ ceW efvecve kesÀ efueS efJeMes<e mebkeÀuhe heeme efkeÀS ieS –
(S) veieo kesÀ efueS `56.43 heérefce³ece hej heéfle F&eqkeÌJeìer Mes³ej kesÀ he´l³eskeÀ ` 10 kesÀ DebefkeÀle cetu³e kesÀ 35,43,57,970 F&eqkeÌJeìer Mes³ejeW keÀe me=peve, peejer SJeb
Deeyebìve keÀjvee. DeLee&le DeefOeceeveer DeeOeej hej ` 66.43 kesÀ FM³et jeefMe hej `2354 keÀjesæ[ lekeÀ keÀer jeefMe kesÀ Yeejle mejkeÀej keÀes peejer.
leoevegmeej, yeQkeÀ kesÀ yees[& keÀer hetbpeer Gieener meefceefle ves efoveebkeÀ 13 veJecyej, 2018 keÀes Dee³eesefpele FmekeÀer yewþkeÀ ceW mesyeer DeeF&meer[erDeej DeefOeefve³ece 2018
kesÀ Devegheeueve ceW Ghe³eg&ÊeÀ Mes³ej Deeyebefìle efkeÀS.
iii). yeQkeÀ keÀer efoveebkeÀ 28 HeÀjJejer, 2019 keÀes Dee³eesefpele Demeeceev³e meeOeejCe yewþkeÀ ceW efvecve kesÀ efueS efJeMes<e mebkeÀuhe heeme efkeÀS ieS
leoevegmeej, yeQkeÀ kesÀ yees[& keÀer hetbpeer Gieener meefceefle ves efoveebkeÀ 28 HeÀjJejer, 2019 keÀes Dee³eesefpele FmekeÀer yewþkeÀ ceW mesyeer DeeF&meer[erDeej DeefOeefve³ece
2018 kesÀ Devegheeueve ceW Ghe³eg&ÊeÀ Mes³ej Deeyebefìle efkeÀS ieS.
(yeer) mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀce&®eejer mìe@keÀ hej®es]pe mkeÀerce, 2019 (mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee F&SmeHeerSme, 2019) kesÀ Debleie&le SkeÀ DeLeJee Fmemes
DeefOekeÀ efnmmeeW ceW heéfle `10/- DebefkeÀle cetu³e kesÀ 10 keÀjesæ[ lekeÀ kesÀ ve³es Fme jeefMe hej SJeb yees[& /meefceefle Üeje hetCe& ªhe mes efueS ieS efveCe&³eeW hej FeqkeÌJeefì
Mes³ej kesÀ me=peve, mJeerke=Àefle, Dee@HeÀj, peejerkeÀjCe SJeb Deeyebìve keÀjvee.
Mes³ej Jele&ceeve efJeÊeer³e ye<e& ceW Deeyebefìle efkeÀS peeSbies.
iv). yeQkeÀ keÀer efoveebkeÀ 28 cee®e&, 2019 keÀes Dee³eesefpele Demeeceev³e meeOeejCe yewþkeÀ ceW efvecve kesÀ efueS efJeMes<e mebkeÀuhe heeme efkeÀS ieS
24
leoevegmeej, yeQkeÀ kesÀ yees[& keÀer hetbpeer Gieener meefceefle ves efoveebkeÀ 28 cee®e&, 2019 keÀes Dee³eesefpele FmekeÀer yewþkeÀ ceW mesyeer DeeF&meer[erDeej DeefOeefve³ece 2018
kesÀ Devegheeueve ceW Ghe³eg&ÊeÀ Mes³ej Deeyebefìle efkeÀS ieS.
v). Oeeje 47 (S)(1)(meer) kesÀ meeLe menheefþle yewkeÀkeÀejer efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 46(4) kesÀ Debleie&le Yeejleer³e efjpeJe& yeQkeÀ keÀes heóeve keÀer ie³eer
MeefÊeÀ³eeW kesÀ lenle yeQkeÀ hej kegÀí meceeOeeve Keeefce³eeW kesÀ keÀejCe `10 efceefue³eve keÀer hesveeuìer ueiee³eer nw. ³en mìe@keÀ SkeÌme®eWpe keÀes metef®ele efkeÀ³ee ie³ee nw.
vi). met®evee %eeheve SJeb Yeejleer³e efjpeJe& yeQkeÀ Üeje mJeerke=Àefle kesÀ Devegmeej yeQkeÀ ves efvecveefueefKele keÀpe& efueKele keÀe cees®eve efkeÀ³ee nw
cees®eve keÀer leejerKe efueKele keÀer he´ke=Àefle cees®eve jeefMe GÜsM³e

10.04.2018 ueesDej efì³ej II efmejer]pe III 274,08,06,988 heefjhekeÌJelee hej cees®eve
14.11.2018 Dehej efì³ej II efmejer]pe I 334,35,00,000 ¬eÀ³e efJekeÀuhe hej cees®eve
17.02.2019 Dehej efì³ej II efmejer]pe II 311,86,35,486 ¬eÀ³e efJekeÀuhe hej cees®eve
ke=Àles Deej.Sme.heeef[³ee Sb[ SmeesefmeSìdme
kebÀheveer meef®eJe
nmle/-
jepeÞeer heeef[³ee
SHeÀmeerSme : 6804: meerheer: 7488
efoveebkeÀ 13/05/2019
mLeeve : cegcyeF&
25
meef®eJeer³e uesKeehejer#ee efjheesì& keÀe DevegueivekeÀ – I

efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS
heéfle,
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ meom³eieCe
³eneb lekeÀ keÀer leejerKe keÀer nceejer meef®eJeer³e uesKeehejer#ee efjheesì& Fme he$e kesÀ meeLe heæ{er peeS.
1. mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee hej ueeiet keÀevetve kesÀ meYeer heéJeOeeveeW, efve³eceeW, efJeefve³eceeW SJeb ceevekeÀeW kesÀ Devegheeueve keÀe GÊejoeef³elJe yeQkeÀ kesÀ heýebOeve keÀe nw. meef®eJeer³e
uesKee hejer#ee efjheesì& peejer keÀjves kesÀ GÜsM³e mes DeefYeuesKeeW SJeb heéf¬eÀ³eeDeeW keÀe hejer#eCe peeb®e DeeOeej hej peeb®e keÀjves keÀe nceeje hejer#eCe meerefcele Lee.
2. meef®eJeer³e SJeb ueeiet Dev³e efJeefOekeÀ DeefYeuesKeeW kesÀ jKejKeeJe keÀe GÊejoeef³elJe heýebOeleb$e keÀe nw. yeQkeÀ Üeje peneb keÀneR DeeJeM³ekeÀ nw, Jeneb mheäerkeÀjCe meefnle
he´mlegle efkeÀS SJeb jKes ieS mebyebefOele omleeJespeeW keÀer uesKeehejer#ee kesÀ DeeOeej hej meef®eJeer³e uesKeehejer#ee efjheesì& peejer keÀjves keÀer peccesoejer nceejer nw.
3. nceves meef®eJeer³e DeefYeuesKe kesÀ meeceieér keÀer mel³elee kesÀ yeejs ceW Gef®ele DeeéeemeveeW keÀes heeves kesÀ efueS pees Yeer mecegef®ele nw meYeer heéf¬eÀ³eeSb SJeb J³eeJeneefjkeÀleeDeeW keÀe
Devegheeueve efkeÀ³ee nw. meef®eJeer³e DeefYeuesKeeW ceW heefjueef#ele leL³eeW keÀer mel³elee keÀes megefveeq½ele keÀjves kesÀ efueS peeb®e DeeOeej hej mel³eeheve efkeÀ³ee ie³ee nw. meef®eJeer³e SJeb
nceW efoS ieS Dev³e DeefYeuesKeeW ceW heefjueef#ele leL³eeW keÀer mel³elee keÀes megefveeq½ele keÀjves kesÀ efueS peeb®e DeeOeej hej mel³eeheve efkeÀ³ee ie³ee nw. nceW efJeéeeme nw efkeÀ nceejs
Üeje DeheveeS ie³eer heéf¬eÀ³eeSb SJeb J³eeJeneefjkeÀlee meef®eJeer³e uesKeehejer#ee efjheesì& peejer keÀjves kesÀ GÜsM³e nsleg Gef®ele DeeOeej heóeve keÀjlee nw.
4. nceves kebÀheveer kesÀ efJeÊeer³e DeefYeuesKeeW SJeb uesKee yeefn³eeW keÀer mel³elee SJeb Ghe³egÊeÀlee keÀer peeb®e veneR keÀer nw.
5. peneb keÀneR Yeer DeeJeM³ekeÀ Lee, uesKeehejer#ee DeJeefOe kesÀ oewjeve efJeefOe, efve³eceeW SJeb efJeefve³eceeW kesÀ Devegheeueve SJeb heefjCeeceeW kesÀ efueS nceves heýebOeleb$e keÀe heéfleefveefOelJe
heéhle efkeÀ³ee nw.
6. meef®eJeer³e uesKeehejer#ee efjheesì& ve lees yeQkeÀ kesÀ YeefJe<³e J³eJene³e&lee keÀe Deeéeemeve nw Deewj ve ner #ecelee DeLeJee heÝeeefJelee nw efpemekesÀ meeLe heýebOeleb$e ves yeQkeÀ kesÀ keÀe³e&
efkeÀS nQ.
nmle/-
jepeÞeer heeef[³ee
SHeÀmeerSme : 6804: meerheer: 7488
efoveebkeÀ 13/05/2019
mLeeve : cegcyeF&
26
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀe meef®eJeer³e Devegheeueve efjheesì&
[mesyeer heefjhe$e meb. DeeF&Deej/meerSHeÀ[er/meerSce[erDeeF&/27/2019 efoveebkeÀ 08.02.2019 kesÀ Devegmeej]
heéfle,
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ meom³eieCe
1. nceves peeb®e keÀer nw:
(S) nceW GheueyOe keÀjeS ieS meYeer omleeJespeeW Deewj efjkeÀe@[& leLee mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee Üeje heóeve efkeÀS ieS mheäerkeÀjCe (“met®eerye× FkeÀeF&”), hewje 2
FvHe´Àe kesÀ Debleie&le met®eerye× efJeefMeä efJeefve³eceeW kesÀ Devegheeueve ceW nw.
(yeer) GhejesÊeÀ kesÀ mebyebOe ceW mìe@keÀ SkeÌme®eWpe keÀes met®eerye× mebmLee Üeje oeefKeuee / he´mlegeflekeÀjCe efo³ee ie³ee nw.
(meer) met®eerye× FkeÀeF& keÀer JesyemeeFì,
([er) keÀesF& Dev³e omleeJespe / oeefKeuee, pewmee efkeÀ heémebefiekeÀ nes mekeÀlee nw, Fme hećeeCeerkeÀjCe keÀes yeveeves kesÀ efueS efJeéeeme ceW efue³ee ie³ee nw,
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS (“meceer#ee DeJeefOe”) heéJeOeeveeW kesÀ mebyebOe ceW Devegheeueve :
(S) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& DeefOeefve³ece, 1992 (“mesyeer DeefOeefve³ece”) Deewj FmekesÀ Debleie&le peejer efkeÀS ieS efJeefve³ece, heefjhe$e, efoMeeefveoxMe; leLee
(yeer) heéfleYetefle mebefJeoe (efJeefve³eceve) DeefOeefve³ece, 1956 (“SmemeerDeejS”), FmekesÀ Debleie&le yeveeS ieS efve³ece Deewj Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (“mesyeer”)
Üeje FmekesÀ Debleie&le peejer efkeÀS ieS efJeefve³ece, heefjhe$e, efoMeeefveoxMe peejer efkeÀS ieS;
2. efJeefMeä efJeefve³ece, GmekesÀ heéJeOeeve Deewj FmekesÀ Debleie&le peejer efkeÀS ieS heefjhe$e / efoMeeefveoxMe, peeb®e efkeÀ³ee ie³ee, Meeefceue:-
(S) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (met®eerkeÀjCe yeeO³eleeSb Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015;
(yeer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (hetbpeer Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeDeeW keÀe ceeceuee) efJeefve³ece, 2018;
(meer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (Mes³ejeW Deewj DeefOeieńCeeW keÀe he³ee&hle DeefOeieńCe) efJeefve³ece, 2011;
([er) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (heéfleYetefle³eeW keÀe hegveKe&jero) efJeefve³ece, 2018;
(F&) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (Mes³ej DeeOeeefjle keÀce&®eejer ueeYe) efJeefve³ece, 2014;
(SHeÀ) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& ($eÝCe heéfleYetefle³eeW keÀe efveie&ce Deewj met®eerkeÀjCe) efJeefve³ece, 2008;
(peer) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (iewj-heefjJele&veer³e Deewj heéfleos³e DeefOeceeveer Mes³ejeW keÀe efveie&ceve SJeb met®eerye× keÀjvee) efJeefve³ece, 2013;
(S®e) Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (FvemeeF[j ì^seE[ie keÀe efve<esOe) efJeefve³ece, 2015;
Deewj GhejesÊeÀ peeb®e kesÀ DeeOeej hej, nce SleodÜeje efjheesì& keÀjles nQ efkeÀ, meceer#ee DeJeefOe kesÀ oewjeve:
(S) met®eerye× FkeÀeF& ves FmekesÀ Debleie&le peejer efkeÀS ieS GhejesÊeÀ efJeefve³eceeW Deewj heefjhe$eeW / efoMeeefveoxMeeW kesÀ heéJeOeeveeW keÀe Devegheeueve efkeÀ³ee nw, neueebefkeÀ,
meceer#eeOeerve DeJeefOe kesÀ oewjeve heéfleYetefle yee³eyewkeÀ SJeb iewj-heefjJele&veer³e Deewj heéfleos³e DeefOeceeveer Mes³ejeW mes mebyebefOele keÀesF& Yeer uesve-osve peejer ve nesves keÀer
eqmLeefle ceW, ³eneB GuuesefKele heémebefiekeÀ heéJeOeeveeW keÀe heeueve veneR keÀjvee nw.
(yeer) met®eerye× FkeÀeF& ves FmekesÀ Debleie&le peejer efkeÀS ieS GhejesÊeÀ efJeefve³eceeW Deewj heefjhe$eeW / efoMeeefveoxMeeW kesÀ heéJeOeeveeW kesÀ lenle Gef®ele efjkeÀe@[& yeveeS jKee nw,
keÌ³eeWefkeÀ ³en nceejs Üeje Gve DeefYeuesKeeW keÀer peeb®e ceW he´keÀì neslee nw~
(meer) FmekesÀ Debleie&le peejer efkeÀS ieS Ghe³eg&ÊeÀ DeefOeefve³eceeW / efJeefve³eceeW SJeb heefjhe$e / efoMeeefveoxMe kesÀ lenle ³ee lees mesyeer Üeje DeLeJee mìe@keÀ SkeÌme®eWpeeW (efJeefYeVe
heefjhe$eeW kesÀ ceeO³ece mes mesyeer Üeje peejer ceevekeÀ heefj®eeueve heéf¬eÀ³eeDeeW meefnle) Üeje met®eerye× FkeÀeF& / GmekesÀ he´Jele&keÀeW / efveosMekeÀeW / meeceieér Deveg<ebef]ie³eeW kesÀ
efJe©× keÀesF& keÀej&JeeF& keÀjves keÀer DeeJeM³ekeÀlee veneR Leer.
([er) Fme efjheesì& keÀes he´mlegle keÀjves keÀer DeeJeM³ekeÀlee keÀer DeefOemet®evee kesÀ yeeo mes ³en henueer efjheese\ìie nw, efheíueer efjheesìeX ceW efkeÀS ieS efìhheefCe³eeW kesÀ Devegheeueve
kesÀ efueS keÀer ieF& keÀej&JeeF& hej efjheese\ìie veneR nesleer Leer.
nmle/-
efoveebkeÀ 13/05/2019 jepeÞeer heeef[³ee
mLeeve : cegcyeF& SHeÀmeerSme : 6804: meerheer: 7488
27
heýebOeleb$e efJe®eej SJeb efJeMues<eCe

Yeeie S : Deee|LekeÀ heefj¢M³e
Je<e& 2018-19 ceW Yeejle ceW Deee|LekeÀ efJekeÀeme keÀer ieefle kegÀí Oeerceer jn mekeÀleer nw. uesefkeÀve osMe DeYeer Yeer efJeée ceW meyemes lespeer mes yeæ{leer ngF&
DeLe&J³eJemLeeDeeW ceW mes SkeÀ nw. kesÀvêer³e meebeqK³ekeÀer keÀe³ee&ue³e kesÀ otmejs Deefieće Devegceeve kesÀ Devegmeej, Je<e& 2018-19 ceW JeemleefJekeÀ peer[erheer keÀer meeceev³e Je=ef× 7%
hej jnves keÀe Devegceeve nw, peyeefkeÀ Je<e& 2017-18 ceW ³en 7.2% Leer. otmejer Deesj, Deblejjeäêr³e cegêe keÀes<e kesÀ Dehe´wue 2019 kesÀ DevegceeveeW kesÀ Devegmeej, ye´seqkeÌmeì
Deveeq½eleleeDeeW,, J³eeheej MegukeÀeW ceW Je=ef×, ®eeFveerpe hegveme¥legueve, ³etjespeve ceW Oeerceer Je=ef×, keÀ®®es lesue keÀer keÀerceleeW ceW Gleej-®eæ{eJe Deeefo pewmes efJeefYeVe keÀejkeÀeW kesÀ
keÀejCe JeweféekeÀ Glheeove Ieì ie³ee nw. Deblejjeäêr³e cegêe keÀes<e kesÀ Dehe´wue 2019 kesÀ DevegceeveeW kesÀ Devegmeej G®®e DeLe&J³eJemLeeDeeW ceW Deee|LekeÀ Je=ef× keÀer oj Je<e& 2018
keÀer 2.2% kesÀ cegkeÀeyeues Je<e& 2019 ceW 1.8 % jnves keÀe hetJee&vegceeve nw, Deewj 2020 ceW FmekesÀ 1.7 % mes DeefOekeÀ vejce jnves keÀe Devegceeve nw.
Je<e& 2018 ceW DecesefjkeÀer DeLe&J³eJemLee ceW 2.9 % keÀer heÝeeJehetCe& Je=ef× ngF&. DecesefjkeÀer DeLe&J³eJemLee ceW meeceev³e ªhe mes Je<e& 2019 ceW 2.3 % Deewj Je<e& 2020 ceW
1.9 % lekeÀ jnves keÀe Devegceeve nw. (DeeF&SceSHeÀ, Dehe´wue 2019). mejkeÀej keÀer keÀeceyeboer mes efJekeÀeme hej Demej heæ[e nw. ³etme HesÀ[ ves Je<e& 2018 ceW keÀF& yeej y³eepe
oj ceW Je=ef× keÀer Leer. neueebefkeÀ efJekeÀeme keÀer he´Je=efle ceW Dehes#eeke=Àle megeqmLej ceewefêkeÀ veerefle ªKe osKeves keÀer Gcceero nw. Deee|LekeÀ efJeMues<eCe y³etjes kesÀ Deefieće Devegceeve kesÀ
Devegmeej DecesefjkeÀer mekeÀue Iejsuet Glheeo (peer[erheer) ceW cee®e& 2019 ceW 3.2% keÀer Je=ef× ngF& peyeefkeÀ efomecyej 2018 efleceener kesÀ mekeÀue Iejsuet Glheeo ceW 2.2% keÀer
JeemleefJekeÀ Je=ef× ngF& Leer. efomecyej 2018 mes cee®e& 2019 lekeÀ DecesefjkeÀe ceW cegêemHeÀerefle 2% mes veer®es kesÀ mlej hej yeveer ngF& Leer. cee®e& 2019 ceW yesjespeieejer keÀer oj
4% mes veer®es Dee ieF& Leer, pees Þece yeepeej keÀer eqmLeefle³eeW ceW efvejblej megOeej keÀe mebkesÀle Lee. cee®e& 2019 ceW DeewÐeesefiekeÀ Glheeove ceW 2.8% keÀer Je=ef× ngF&. J³eefÊeÀiele
GheYeesie J³e³e ceW Yeer ceecetueer Je=ef× heóe|Mele ngF& Deewj efheíues kegÀí cenerveeW ces J³eeheej leveeJe kesÀ keÀejCe efve³ee&le ceW Je=ef× oj Oeerceer jner.
Je<e& 2019 ceW ³etjespeesve ceW Je=ef× 1.3% keÀer oj mes Devegceeefvele nw (DeeF&SceSHeÀ, Dehe´wue 2019) peyeefkeÀ 2018 ceW ³en 1.8% Leer. pece&veer ceW efJekeÀeme Je<e& 2017
ceW 2.5% mes Je<e& 2018 ceW 1.5% jne pees efkeÀ cebo DeewÐeesefiekeÀ Je=ef× Deewj efvepeer Kehele ceW keÀceer Deeves kesÀ keÀejCe ngDee. Je<e& 2019 ceW Dev³e hećegKe ³etjespeve
DeLe&J³eJemLeeDeeW pewmes- He´Àebme, mhesve SJeb Fìueer ceW Yeer Je=ef× oj ceecetueer jnves keÀer Gcceero nw.
Je<e& 2017 ceW peeheeveer DeLe&J³eJemLee kesÀ 1.9 % keÀer cepeyetle oj mes yeæ{ves kesÀ yeeo Je<e& 2018 ceW ³en 0.8% keÀer Oeerceer Je=ef× oj lekeÀ Dee ieF& Deewj 2019 ceW FmekesÀ
1%keÀer Je=ef× oj mes yeæ{ves keÀe Devegceeve nw (DeeF&SceSHeÀ, Dehe´wue 2019), pees cegK³e ªhe mes jepekeÀes<eer³e heéslmeenve kesÀ keÀejCe nw.
GYejleer DeLe&J³eJemLeeDeeW kesÀ yeer®e, ®eerveer DeLe&J³eJemLee cee®e& 2019 ceW 6.4% yeæ{er pees efomecyej 2018 mes DeheefjJee|lele Leer. ®eerve ceW Deee|LekeÀ ieefleefJeefOe³eeb efJeefvecee&Ce
heerSceDeeF& Üeje meebkesÀeflekeÀ ªhe ceW Deheýeue jneR, pees efomecyej 2018 mes HeÀjJejer 2019 lekeÀ ueieeleej leerve cenerveeW kesÀ efueS mebkegÀef®ele jner Deewj cee®e& 2019 ceW
FmeceW ceecetueer Je=ef× ngF&. Je<e& 2018 ceW 6.6% keÀer Je=ef× oj keÀer leguevee ceW Je<e& 2019 ceW peer[erheer keÀe 6.3%keÀer oj mes yeæ{ves keÀe Devegceeve nw (DeeF&SceSHeÀ, Dehe´wue
2019).
efÜleer³e Deefieće Devegceeve kesÀ Devegmeej; Yeejle keÀe DeewÐeesefiekeÀ cetu³e Je<e& 2017-18 ceW 5.9% mes yeæ{keÀj Je<e& 2018-19 ceW 7.7% nes ie³ee. Je<e& 2017-18 ceW ke=Àef<e
efJekeÀeme oj 5% mes Je<e& 2018-19 ceW 2.7% ( efÜleer³e Deefieće Devegceeve) lekeÀ keÀce nes ieF&. mesJee #es$e ceW 2017-18 ceW 8.1% mes 2018-19 ( efÜleer³e Deefieće
Devegceeve) ceW 7.4% keÀer Je=ef× ope& keÀer Leer.
Je<e& 2018-19 ceW cegK³e GÐeesiees ceW meceie´ efJekeÀeme oj 4.3% jner pees Je<e& 2017-18 mes DeheefjJee|lele Leer. otmejer Deesj Dehe´wue - HeÀjJejer 2018-19 kesÀ oewjeve
DeewÐeesefiekeÀ Glheeove met®ekeÀebkeÀ keÀer Je=ef× oj Dehe´wue-HeÀjJejer 2017-18 kesÀ oewjeve 4.3% Leer.
cee®e& 2019 ceW GheYeesÊeÀe cetu³e met®ekeÀebkeÀ kesÀ DeeOeej hej Kegoje cegêemHeÀerefle keÀer oj 5 cenerves kesÀ G®®elece mlej 2.86% hej ope& keÀer ieF&. Je<e& 2018-19 ceW hetjs Je<e&
kesÀ efueS cegêemHeÀerefle keÀer oj ceW 3.4% keÀer Je=ef× ngF& peyeefkeÀ Je<e& 2017-18 ceW ³en 3.6% Leer.
Je<e& 2019-20 kesÀ efueS HeÀjJejer 2019 ceW he´mlegle Debleefjce kesÀvêer³e yepeì ceW efJeÊe Je<e& 2019-20 kesÀ efueS, kegÀue J³e³e `2784200 keÀjesæ[ DeefOekeÀerefuele efkeÀ³ee
ie³ee nw. pees efkeÀ Je<e& 2018-19 ceW `2457235 keÀjesæ[ (DeejF&) Lee. Je<e& 2019-20 kesÀ efueS jepekeÀes<eer³e Ieeìe Je<e& 2018-19 (DeejF&) kesÀ meceeve peer[erheer keÀe
3.4% jKee ie³ee nw.
yeQeEkeÀie GÐeesie
yeweEkeÀie GÐeesie ves Yeejleer³e efjpeJe& yeQkeÀ keÀer efJeÊeer³e eqmLejlee efjheesì& ( efomecyej 2018) kesÀ Devegmeej cee®e& 2018 mes efmelecyej 2018 lekeÀ Devegmetef®ele JeeefCeeqp³ekeÀ yeQkeÀeW
kesÀ mekeÀue SveheerS Devegheele kesÀ meeLe Deeeqmle keÀer iegCeJeÊee ceW megOeej efoKee³ee nw. cee®e& 2018 kesÀ mlej mes Devegmetef®ele JeeefCeeqp³ekeÀ yeQkeÀeW keÀer $eÝCe Je=ef× ceW Yeer megOeej
ngDee nw. yeQeEkeÀie GÐeesie keÀes meneje osves kesÀ efueS mejkeÀej ves keÀF& henue keÀer nw. mejkeÀej Üeje peejer hegvehet¥peerkeÀjCe yeeb[ yeQeEkeÀie GÐeesie keÀes cepeyetleer heóeve keÀjWies.
28
Yeeie yeer - yeQkeÀ keÀe keÀe³e&efve<heeove

J³eJemee³e
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀe kegÀue J³eJemee³e `467584 keÀjesæ[ nes ie³ee, peyeefkeÀ efheíues Je<e& ³en DeeBkeÀæ[e `472323 keÀjesæ[ Lee. G®®e ueeiele pecee
efoveebkeÀ 31 cee®e&, 2019 keÀes IeìkeÀj ` 57 keÀjeæsæ[ nes ieF& nw, peyeefkeÀ efoveebkeÀ 31 cee®e& 2018 keÀes ³en `850 keÀjesæ[ Leer.
yeQkeÀ keÀe heefj®eeueve ueeYe efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW ` 3127 keÀjesæ[ jne, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efheíues efJeÊeer³e
Je<e& ceW ³en ` 2733 keÀjesæ[ Lee. yeQkeÀ ves yeæ{s ngS heéJeOeeveeW kesÀ keÀejCe Je<e& 2018-19 ceW ` 5641 keÀjesæ[ keÀer Meg× neefve ope& keÀer nw, peyeefkeÀ efheíues Je<e& ³en
`5105 keÀjesæ[ Leer.
mebmeeOeve mebieńCe
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀer mekeÀue pecee ` 299855 keÀjesæ[ jner, pees `793 keÀjesæ[ keÀer G®®e ueeiele peceeDeeW ceW ngF& keÀceer kesÀ he½eele Leer. ye®ele pecee
Je<e& 2018-19 ceW yeæ{keÀj `122139 keÀjesæ[ nes ieF&, pees 10.52 % keÀer Je=ef× oMee&leer nw, peyeefkeÀ efheíues Je<e& ³en ` 110509 keÀjesæ[ Leer leLee ®eeuet pecee Je<e&
2018-19 ceW `16416 keÀjesæ[ nes ieF&, peyeefkeÀ Je<e& 2017-18 ceW ³en ` 14687 keÀjesæ[ Leer. pees 11.77%keÀer Je=ef× oMee&leer nw. efoveebkeÀ 31 cee®e& 2019 keÀes
kegÀue pecee ceW keÀemee pecee keÀer efnmmesoejer yeæ{keÀj 46.21% nes ieF&, pees efkeÀ efoveebkeÀ 31 cee®e& 2018 keÀes 42.46% Leer. keÀesj meeJeefOe pecee, Je<e& 2018 -19 ceW
4.77% keÀer keÀceer kesÀ meeLe ` 161243 keÀjesæ[ kesÀ mlej hej hengB®e ieF& nw, peyeefkeÀ Je<e& 2017-18 ceW ³en ` 169343 keÀjesæ[ Leer.
yeQkeÀ ceW Yeejleer³e uesKeebkeÀve ceevekeÀ keÀe ef¬eÀ³eevJe³eve SJeb keÀe³e&-³eespevee
keÀe@heexjsì ceeceueeW mes mebyebefOele ceb$eeue³e Üeje Ieesef<ele cetue jes[ cewhe kesÀ Devegmeej meYeer yeQkeÀ (#es.ieé.yeQkeÀ keÀes íes[keÀj) efoveebkeÀ 1 Dehe´wue, 2018 kesÀ heéjbYe mes Deye lekeÀ
keÀer uesKeebkeÀve DeJeefOe kesÀ meeLe-meeLe efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle DeJeefOe DeLeJee GmekesÀ he½eele kesÀ efueS legueveelcekeÀ uesKeebkeÀve kesÀ efueS Deheveer efJeÊeer³e
efJeJejefCe³eeB Yeejleer³e uesKeebkeÀve ceevekeÀ kesÀ Devegmeej lew³eej keÀjveer nesieer. yeQkeÀ SkeÀ Yeejleer³e uesKeebkeÀve ceevekeÀ meueenkeÀej, mebmLeeefhele keÀesj Yeejleer³e uesKeebkeÀve ìerce
keÀer mesJee³eW ues jne nw Deewj Yeejleer³e uesKeebkeÀve ceevekeÀ keÀes ef¬eÀ³eeeqvJele keÀjves keÀer heéf¬eÀ³ee heéjbYe keÀj ®egkeÀe nw. heíeefle keÀer efveiejeveer kesÀ efueS keÀe³e&heeuekeÀ efveosMekeÀ
keÀer DeiegJeeF& ceW SkeÀ meb®eeueve meefceefle mLeeefhele keÀer ieF& nw. efveosMekeÀ ceb[ue Deewj yees[& keÀer uesKee meefceefle Yeejleer³e uesKeebkeÀve ceevekeÀ keÀer heíeefle keÀer DeeJeefOekeÀ meceer#ee
keÀjleer nw.
efoveebkeÀ 05 Dehe´wue, 2018 keÀes YeeefjyeQ ves Deheves efJekeÀeme Deewj efJeefve³eecekeÀ veerefle³eeW mes mebyebefOele efJeJejefCe³eeW ceW ³en GuuesKe efkeÀ³ee nw efkeÀ yeQeEkeÀie efJeefve³eecekeÀ
DeefOeefve³ece 1949 keÀer leermejer Devegmet®eer ceW efveOee&efjle efJeÊeer³e efJeJejefCe³eeW kesÀ heéªhe ceW DeeJeM³ekeÀ efJeOee³eer megOeej efkeÀS ieS nQ, pees mejkeÀej kesÀ efJe®eejeOeerve nw.
FmekesÀ DeeueeskeÀ ceW, Deewj keÀF& yeQkeÀeW keÀer lew³eejer kesÀ mlej keÀes osKeles ngS Yeer yeQkeÀeW ceW Yeejleer³e uesKeebkeÀve ceevekeÀ kesÀ ef¬eÀ³eevJe³eve keÀes YeeefjyeQ Üeje, Dehesef#ele DeeJeM³ekeÀ
efJeOee³eer heefjJele&ve lekeÀ, SkeÀ Je<e& kesÀ efueS mLeefiele keÀj efo³ee ie³ee nw. Deye mes, yeQkeÀeW ceW Yeejleer³e uesKeebkeÀve ceevekeÀ kesÀ ef¬eÀ³eevJe³eve nsleg mebMeesefOele mece³e meercee efoveebkeÀ
31 cee®e&, 2019 DeLeJee GmekesÀ he½eele meceehle DeJeefOe kesÀ efueS legueveelcekeÀ uesKeebkeÀve meefnle efoveebkeÀ 01 Dehe´wue, 2019 mes heéjbYe nesieer. ne@ueebefkeÀ Yeejleer³e efjpeJe&
yeQkeÀ ves efoveebkeÀ 22.03.2019 keÀer DeefOemet®evee kesÀ ceeO³ece mes keÀne efkeÀ YeeefjyeQ Üeje DevegMebefmele efJeOee³eer mebMeesOeve Yeejle mejkeÀej kesÀ efJe®eejeOeerve nw. leovegmeej
YeeefjyeQ Üeje ³en efveCe&³e efue³ee ie³ee nw efkeÀ Yeejleer³e uesKeebkeÀve ceevekeÀ kesÀ keÀe³ee&vJe³eve keÀes Deieueer met®evee lekeÀ mLeefiele jKee peeS. YeeefjyeQ kesÀ efveoxMeevegmeej yeQkeÀ petve
2018 mes Yeejleer³e uesKeebkeÀve ceevekeÀ kesÀ efJeÊeer³e efJeJejCe keÀe heéªhe efve³eefcele ªhe mes he´mlegle keÀj jne nw.
$eÝCe
yeQkeÀ keÀe mekeÀue Deefieće efoveebkeÀ 31 cee®e&, 2019 keÀes `167729 keÀjesæ[ jne , peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en `177484 keÀjesæ[ Lee. ³en Je<e& oj Je<e&
5.50% keÀer $eÝCeelcekeÀ Je=ef× oMee&lee nw.
$eÝCe efveiejeveer efJeYeeie
yeQkeÀ ves megheefjYeeef<ele efveiejeveer veerefle Megª keÀer nw, efpemeceW SmeSceS (efJeMes<e GequueefKele Keeles) heýebOeve hej efJemle=le efoMeeefveoxMe efoS ieS nQ, FmeceW SmeSceS heýebOeve
kesÀ meYeer #es$e, lJeefjle ®esleeJeveer mebkesÀlekeÀ, efveiejeveer SJeb DevegJeleea Ghee³e leLee efjheese\ìie heĆeeueer keÀes meceeefnle efkeÀ³ee ie³ee nw.
yees[& kesÀ Devegceesove kesÀ Devegªhe mece³e-mece³e hej veerefle ceW mebMeesOeve efkeÀS pee jns nQ.
efveiejeveer veerefle efoMeeefveoxMeeW kesÀ Devegmeej, kesÀvêer³e keÀe³ee&ue³e, meYeer Deeb®eefuekeÀ/#es$eer³e keÀe³ee&ue³eeW leLee keÀe@heexjsì efJeÊe MeeKeeDeeW kesÀ mlej hej he´l³eskeÀ ceen ceevekeÀ
Deefve³eefcele/SmeSceS KeeleeW keÀer hegvejer#ee keÀjves kesÀ efueS efveiejeveer meefceefle³eeb ieefþle keÀer ieF& nQ SJeb $eÝCe efveiejeveer keÀer mebhetCe& keÀej&JeeF& keÀer mebieefþle hegvejer#ee ceen
ceW SkeÀ yeej keÀer peeleer nw. meerScemeer yewþkeÀ ceW SpeW[e keÀer meYeer ceoeW keÀer eqmLeefle keÀer meeJeOeeveerhetJe&keÀ efjheese\ìie kesÀ efueS SkeÀ mecee|hele heesì&ue lew³eej efkeÀ³ee ie³ee nw.
29
$eÝCe efveiejeveer mes mebyebefOele ceeceueeW kesÀ DeÐeleve /peeie©keÀlee efJekeÀefmele keÀjves kesÀ efueS, #es$eer³e SJeb Deeb®eefuekeÀ keÀe³ee&ue³e kesÀ vees[ue DeefOekeÀeefj³eeW kesÀ efueS
keÀe³e&MeeueeSb SJeb heéfMe#eCe me$e Dee³eesefpele efkeÀS ieS nQ.
yeQkeÀ ves keÀe@heexjsì, SmeSceF&, efjìsue leLee heéLeefcekeÀlee heéhle #es$e kesÀ DeefiećeeW hej jer³eueìeFce efveiejeveer kesÀ efueS kesÀvêerke=Àle $eÝCe cetu³eebkeÀve heĆeeueer SJeb he³e&Jes#eCe
(keÌueeme) efveiejeveer cee@[îetue mee@HeÌìJes³ej keÀe Yeer keÀe³ee&vJe³eve efkeÀ³ee nw.
meIeve $eÝCe efveiejeveer megefveeq½ele keÀjves kesÀ efueS Dee@HeÀmeeFì efveiejeveer he³e&Jes#eCe heĆeeueer nsleg Yeer keÀoce GþeS ieS nQ.
$eÝCe uesKee hejer#ee kesÀ oe³ejs keÀes J³eehekeÀ yeveeves kesÀ efueS veS/$eÝCe meercee Je=ef× kesÀ DeefiećeeW ceW mebefJelejCe hetJe& uesKeehejer#ee keÀer efvee|oä meercee keÀes 1 keÀjesæ[ ªheS
mes IeìekeÀj 50 ueeKe ªheS keÀj efo³ee ie³ee nw leLee mebefJelejCe mes hetJe& uesKee hejer#ee keÀer efvee|oä meercee keÀes IeìekeÀj 5 keÀjesæ[ mes ` 1 keÀjesæ[ keÀj efo³ee ie³ee nw.
ueeiele keÀes keÀce keÀjves kesÀ efueS ¬esÀef[ì met®evee efjheesì& (meerDeeF&Deej) efvekeÀeueves kesÀ efueS 02 veF& ¬esÀef[ì met®evee kebÀheefve³eeb, cewmeme& SkeÌmehesefj³eve Deewj cewmeme& ef¬eÀHeÀ
neFceeke&À mes ieþpees[ efkeÀ³ee ie³ee nw.
$eÝCe efveiejeveer efJeYeeie keÀes Deewj cepeyetle efkeÀ³ee pee jne nw. $eÝCe mes mebyebefOele meYeer veerefle efJeYeeie Üeje yeveeF& peeveer nw Deesj keÀe@heexjsì keÀe³ee&ue³e ceW efJeefYeVe $eÝCe
meefceefle³eeW keÀe meb®eeueve keÀjvee Deewj efJeefYeVe heýebOeve met®evee heĆeeueer ( SceDeeF&Sme) keÀe³eeX keÀes Yeer efJeYeeie keÀes meeQhee ie³ee nw.
mejkeÀej kesÀ `F&SSmeF&’ efoMeeefveoxMeeW kesÀ Devegmeej, òyeeJeie´mle Deeeqmle heýebOeve’ Jee|ìkeÀue keÀer mLeehevee keÀer ieF& nw Deewj meYeer SSSceS-1, SmeSceS-2, Deewj 25
keÀjesæ[ SJeb Gmemes DeefOekeÀ kesÀ SveheerS KeeleeW kesÀ meceeOeeve/ Jemetueer kesÀ efueS Fme Jee|ìkeÀue Üeje osKejsKe keÀer peeSieer.
heéLeefcekeÀlee #es$e $eÝCe
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeevegmeej, mecee³eesefpele Meg× yeQkeÀ $eÝCe DeLeJee Flej legueve-he$e peesefKece kesÀ legu³e $eÝCe, ceW mes pees Yeer DeefOekeÀ nes, keÀe 40%
heéLeefcekeÀlee heéhle #es$e kesÀ Debleie&le heóeve efkeÀ³ee peevee nw. Dele: Fme #es$e kesÀ Debleie&le $eÝCe he´Jeen yeQkeÀ kesÀ efueS Del³eble cenlJe keÀe #es$e nw. nceves ke=Àef<e, SceSmeSceF&,
DeeJeeme, Mewef#ekeÀ SJeb heéLeefcekeÀlee #es$e kesÀ Dev³e hećegKe IeìkeÀeW ceW $eÝCe he´Jeen ye{eves hej efJeMes<e O³eeve efo³ee nw. FmekesÀ heefjCeecemJeªhe, heéLeefcekeÀlee #es$e kesÀ Debleie&le
nceejer heíeefle heÝeeJehetCe& jner nw.
efoveebkeÀ 31.03.2019 keÀes heéLeefcekeÀlee #es$e kesÀ efJeefYeVe #es$eeW ceW yeQkeÀ keÀe keÀe³e&efve<heeove (uesKeehejeref#ele) efvecveevegmeej nw :-
(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe cee®e& 2018 cee®e& 2019 Je=ef× (%)
1 heéLeefcekeÀlee heéhle #es$e Deefieće 82835 83201 0.44
(SSveyeermeer keÀe heéfleMele) 49.74 % 47.22%
2 mekeÀue ke=Àef<e Deefieće 34192 35655 4.28
(SSveyeermeer keÀe heéfleMele) 20.53% 20.24%
3 SceSmeSceF& 32346 31036 -4.05
4 Mew#eefCekeÀ $eÝCe 2773 2522 -9.05
5 DeeJeeme $eÝCe (`25.00 ueeKe lekeÀ) 13392 13956 4.21
6 Dev³e heéLeefcekeÀlee #es$e 6 0 -100.00
7 veJeerkeÀjCeer³e Tpee& 9 8 -11.11)
8 meesMeue FvHe´Àemì^keÌ®ej 8 5 -37.50
9 efve³ee&le $eÝCe 8 5 -37.50
Je<e& 2018-19 kesÀ oewjeve heéLeefcekeÀlee #es$e kesÀ Debleie&le $eÝCe efJeefve³eespeve ` 83201 keÀjesæ[ jne, pees efheíues Je<e& keÀer leguevee ceW ` 366 keÀjesæ[ keÀer Je=ef× oMee&lee
nw. leLeeefhe, heéLeefcekeÀlee #es$e $eÝCe ceW SSveyeermeer mes Thej DeefleefjÊeÀ $eÝCe keÀe HeÀe³eoe Gþeves kesÀ efueS yeQkeÀ ves heerSmeSuemeer ceW efye¬eÀer/Kejero uesveosve DeejbYe efkeÀ³ee
nw. Je<e& kesÀ oewjeve yeQkeÀ ves heéLeefcekeÀlee #es$e Deefieće kesÀ Debleie&le ` 27436 keÀjesæ[ cetu³e keÀer heerSmeSuemeer keÀer efye¬eÀer keÀer nw Deewj SceSmeSceF& heesìdHeÀexefue³ees kesÀ
Debleie&le ` 5885 keÀjesæ[ cetu³e keÀer heerSmeSuemeer keÀer Kejero keÀer nw. Fme he´keÀej, efJeÊeer³e Je<e& keÀer meceeeqhle hej Meg× efye¬eÀer 21551 keÀjesæ[ Leer.heéLeefcekeÀlee #es$e
kesÀ lenle DeejDeeF&[erSHeÀ keÀe `4907.27 keÀjesæ[ yekeÀe³ee nw. efpemeceW efoveebkeÀ 31.03.2019 lekeÀ ke=Àef<e kesÀ lenle `3075.97 keÀjesæ[ nw..
30
heéLeefcekeÀlee #es$e
( jeefMe ` keÀjesæ[ ceW)
90000 – 82771 82835 83201
75997 78289
80000 –
68652
70000 –
60000 – 51259
50000 –
40259
40000 –
30000 –
20000 –
10000 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
ke=Àef<e
meceer#eeOeerve Je<e& kesÀ oewjeve, kegÀue ke=Àef<e $eÝCe ` 1463 keÀjesæ[ keÀer Je=ef× oMee&les ngS efoveebkeÀ 31.03.2018 kesÀ ` 34192 keÀjesæ[ kesÀ mlej mes yeæ{keÀj efoveebkeÀ
31.03. 2019 keÀes ` 35655 keÀjesæ[ nes ie³ee nw. mecee³eesefpele Meg× yeQkeÀ $eÝCe (SSveyeermeer) ceW Meg× ke=Àef<e $eÝCe keÀer efnmmesoejer 20.24 % jner. peyeefkeÀ efveOee&efjle
ue#³e 18% Lee.
ke=Àef<e
( jeefMe ` keÀjesæ[ ceW)
40000 – 36760 37537
35387 35957 34192 35655
35000 –
30000 –
24658
25000 –
18848
20000 –
15000 –
10000 –
5000 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
ke=Àef<e #es$e ceW $eÝCe he´Jeen yeæ{eves nsleg keÀer ieF& veF& henueW :
efJeefMeä $eÝCe DeefYe³eeve :
nceejer meYeer ieéceerCe SJeb De×&-Menjer MeeKeeDeeW ceW ke=Àef<e $eÝCeeW kesÀ he´®eej SJeb veS $eÝCe mJeerke=Àle keÀjves nsleg he´l³eskeÀ ceen kesÀ oewjeve keÀce-mes-keÀce SkeÀ cesiee $eÝCe
efMeefJej keÀe Dee³eespeve efkeÀ³ee ie³ee.
meYeer ieéceerCe Deewj DeOe&-Menjer MeeKeeDeeW ves mJe³eb mene³elee mecetneW kesÀ yeQkeÀ efuekesÀpe kesÀ efueS efJeMes<e $eÝCe efMeefJej Dee³eesefpele efkeÀS nw.
heÓeeve ceb$eer HeÀmeue yeercee ³eespevee (heerSceSHeÀyeerJee³e) kesÀ Debleie&le hee$e $eÝCekeÀlee& ke=À<ekeÀeW kesÀ efueS yeQkeÀ 100% HeÀmeue yeercee megefveeq½ele keÀj ®egkeÀe nw Deesj iewj –
$eÝCeer efkeÀmeevees keÀes HeÀmeue yeercee kesÀ keÀJejspe kesÀ efueS $eÝCe efo³ee nw.
efJeÊe Je<e& kesÀ oewjeve yeQkeÀ ves ke=Àef<e kesÀ lenle efveJesMe $eÝCe hej peesj efo³ee nw.
yeQkeÀ ves íesìs Deesj meerceeble efkeÀmeeveeW keÀes $eÝCe osves hej O³eeve kesÀeqvêle efkeÀ³ee nw.
31
efJeÊeer³e meceeJesMeve (SHeÀDeeF&)

yeQkeÀ ves 2000 mes DeefOekeÀ pevemebK³ee Jeeues 4,330 ieebJeeW leLee 2000 mes keÀce pevemebK³ee kesÀ 18,376 ieebJeeW keÀes keÀJej efkeÀ³ee nw. yeQkeÀ ves Fve ieebJeeW keÀes
6,387 yeermeer SpeWìeW kesÀ ceeO³ece mes keÀJej efkeÀ³ee.
1. nceves 177 Menjer efJeÊeer³e meceeJesMeve kesÀvê Keesues nQ.
2. uesveosvees keÀer mebK³ee
uesveosvees keÀer mebK³ee ueeKe ceW
500 – 437.00
400 –
318.00
300 –
194.94
200 – 135.04
100 – 52.46
22.42 31.95
6.38
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
3. efJeÊeer³e uesveosveeW ceW yeermeer kesÀ ceeO³eceeW mes Keesues ieS KeeleeW ceW efJeÊeer³e Je<e& 2018-19 ceW uesveosve yeæ{keÀj 437 ueeKe (Je<e& oj Je<e& 37.42 % Je=ef×) nes
ieF&, pees efJeÊeer³e Je<e& 2017-18 ceW 318 ueeKe Leer.
4. yeermeer kesÀ ceeO³ece mes J³eJemee³e ;
yeermeer kesÀ ceeO³ece mes J³eJemee³e(` keÀjesæ[ ceW)
1573.47
1600 –
1400 –
1200 –
1003.94
1000 –
800 –
579.86
600 –
400 – 283.65
200 – 132.11
74.99
5.65 24.67
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
yeermeer kesÀ ceeO³ece mes J³eJemee³e yeæ{keÀj efoveebkeÀ 31 cee®e& 2019 keÀes ` 1573.47 keÀjesæ[ ( Je<e& oj Je<e& 56.73 keÀer Je=ef×) nes ie³ee nw, pees efoveebkeÀ 31
cee®e& 2018 keÀes `1003.94 keÀjesæ[ Lee.
32
5. yeermeer kesÀ ceeO³ece mes Keeles Keesuevee:

yeermeer kesÀ ceeO³ece mes Keeles Keesuevee : (ueeKe ceW)
117.00
120 –
99.89
100 –
84.88
80 – 71.19
62.74
60 – 51.11
37.32
40 – 30.92
20 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
yeermeer kesÀ ceeO³ece mes KeeleeW keÀer mebK³ee efoveebkeÀ 31 cee®e& 2018 kesÀ 99.89 ueeKe mes yeæ{keÀj efoveebkeÀ 31 cee®e& 2019 keÀes 117.00 ueeKe nes ieF& nw. Je<e&
oj Je<e& 17.13 % keÀer Je=ef×.
6. yeQkeÀ ves Deheveer MeeKeeDeeW SJeb yeermeer keÀer ceeO³eceeW mes 202.00 ueeKe yesefmekeÀ meseEJeie yeQkeÀ ef[hee@efpeì DekeÀeGbì (yeerSmeyeer[erS) Keesues nQ. Fve KeeleeW ceW kegÀue
pecee Mes<e ` 3307.16 keÀjesæ[ nw.
efJeÊe Je<e& 2018-19 kesÀ oewjeve SHeÀDeeF&-heerScepes[erJeeF& keÀer hećegKe GheueeqyOe³eeb
yeermeer DeeGìuesì kesÀ ceeO³ece mes J³eJemee³e 42.96% keÀer Je=ef× kesÀ meeLe ` 1003.94 keÀjesæ[ mes yeæ{keÀj ` 1573.47 keÀjesæ[ nes ie³ee.
efJeÊeer³e meceeJesMeve J³eJemee³e 24.00% keÀer Je=ef× kesÀ meeLe `2566.90 keÀjesæ[ mes yeæ{keÀj ` 3307.16 keÀjesæ[ nes ie³ee.
31 cee®e& 2019 keÀes heerScepes[erDeeF& KeeleeW keÀer mebK³ee yeæ{keÀj 1.33 keÀjesæ[ nes ieF&, pees 31 cee®e& 2018 keÀes 1.12 keÀjesæ[ Leer.
heerScepes[erDeeF& kesÀ lenle kegÀue pecee 31 cee®e&, 2019 keÀes ye{keÀj ` 3048 keÀjesæ[ nes ie³ee, pees 31 cee®e& 2018 keÀes 2264 keÀjesæ[ Lee.
yeermeer-DeeGìuesìdme kesÀ ceeO³ece mes kegÀue uesveosveeW keÀer mebK³ee 42.96 % keÀer Je=ef× kesÀ meeLe 305.68 ueeKe mes yeæ{dkeÀj 437 ueeKe nes ieS.
yeerSmeyeer[er KeeleeW keÀer mebK³ee 9.67% keÀer Je=ef× kesÀ meeLe 184.19 ueeKe mes yeæ{keÀj 202.00 ueeKe nes ieF&.
`10 ueeKe mes DeefOekeÀ kesÀ J³eJemee³e Jeeues yeermeer keÀer mebK³ee ceW 16.23 % keÀer Je=ef× ngF& Deewj ³es 2317 mes yeæ{keÀj 2693 nes ieF&. Fmeer he´keÀej ` 1 keÀjesæ[ mes
DeefOekeÀ kesÀ J³eJemee³e Jeeues yeermeer keÀer mebK³ee ceW 121.65 % keÀer Je=ef× ngF& Deewj ³es 97 mes yeæ{keÀj 215 nes ieS.
efoveebkeÀ 31.03.2019 keÀes meeceeefpekeÀ megj#ee ³eespevee kesÀ Debleie&le kegÀue hebpeerkeÀjCe heerScepespesyeerJee³e -1366,176 heerSceSmeyeerJee³e -3965922 , leLee SheerJee³e
-608031 nw.
heerScepespesyeerJee³e kesÀ Debleie&le 6090 ce=l³eg oeJeeW ceW mes, 5903 oeJeeW keÀe efveheìeve efkeÀ³ee pee ®egkeÀe nw Deewj heerSceSmeyeerJee³e kesÀ Debleie&le 1806 ce=l³eg oeJeeW ceW mes
1699 oeJeeW keÀe efveheìeve efkeÀ³ee pee ®egkeÀe nw.
DeieĆeer yeQkeÀ kesÀ lenle keÀe³e&efve<heeove
nce meele jep³eeW ³eLee; ceO³e heósMe(18), efyenej(10), cenejeä^(7), GÊej heósMe(5), heeq½ece yebieeue(4), jepemLeeve(3) SJeb íleermeieæ{(4) kesÀ 51 efpeueeW ceW DeieĆeer
yeQkeÀ kesÀ GÊejoeef³elJe keÀe efveJee&n keÀj jns nQ. nceejer 50% mes DeefOekeÀ SJeb ueieYeie 25% MeeKeeSb ¬eÀceMe: Fve jep³eeW SJeb DeieĆeer efpeueeW ceW keÀe³e&jle nQ.
DeieĆeer yeQkeÀ ³eespevee kesÀ heÝeeJeer keÀe³ee&vJe³eve nsleg, DeieĆeer efpeuee heýebOekeÀeW kesÀ keÀe³ee&ue³eeW keÀes he³ee&hle megefJeOeeDeeW ³egÊeÀ yevee³ee ie³ee nw leLee mìeHeÀ keÀer mecegef®ele
J³eJemLee keÀer ieF& nw. meeLe ner, Dev³e yegefve³eeoer megefJeOeeSb, ³eLee-he=LekeÀ/De®íe heefjmej, Jeenve, kebÀh³etìj/uewheìe@he (mkeÀeFhe megefJeOee³egÊeÀ) leLee eEhe´ìj, ìsueerHeÀesve,
Fvìjvesì megefJeOee, F&-cesue DeeF&[er, ceesyeeFue, HewÀkeÌme, JesyemeeFì keÀer mLeehevee Fl³eeefo Yeer GheueyOe keÀjeF& ieF& nQ.
nceves ieéceerCe FueekeÀeW keÀer Deece pevelee/ueesieeW keÀes ueesieeW keÀes Gvemes mecyebefOele nceejs yeQkeÀ kesÀ efJeefYeVe GlheeoeW mes heefjef®ele keÀjeves kesÀ efueS, efkeÀmeeve ¬esÀef[ì keÀe[&,
mesvìûe Dee|ìpeve ¬esÀef[ì keÀe[&, mJeeefYeceeve/DeeOeej Fl³eeefo keÀes Sue[erSce keÀes heóÊe ieeefæ[³eeW hej heóe|Mele efkeÀ³ee nw.
33
nceves meMeÊeÀerkeÀjCe, îegJeeDeeW kesÀ keÀewMeue efJekeÀeme heéfMe#eCe SJeb $eÝCe mebye×lee kesÀ ceeO³ece mes meceeqvJele efJekeÀeme kesÀ efueS he´l³eskeÀ DeieĆeer efpeues ceW SkeÀ-SkeÀ
ieebJe keÀe ®e³eve efkeÀ³ee nw. mechetCe& meeceeefpekeÀ-Deee|LekeÀ heefjJele&ve ueeves kesÀ efueS meYeer efJekeÀemehejkeÀ ieefleefJeefOe³eeW pewmes efJeÊeer³e efMe#ee/efJeÊeer³e meceeJesMeve keÀe³e&¬eÀce
Deejmesìer ceW ieéceerCe yesjespeieej ³egJekeÀeW keÀes heéfMe#eCe, mJe³eb mene³elee mecetn/ke=À<ekeÀ keÌueye/pesSuepeer keÀe ieþve, $eÝCe ieefleefJeefOe³eeW keÀe hetCe& ef¬eÀ³eevJe³eve efkeÀ³ee pee
jne nw. DeieĆeer efpeues kesÀ Dev³e ieebJeeW ceW Yeer FvekeÀer heéfleke=Àefle oMee&F& pee jner nw.
jep³e mlejer³e yeQkeÀme& meefceefle :
ceO³e heósMe jep³e ceW nceeje yeQkeÀ SmeSueyeermeer keÀe mecevJe³ekeÀ nw. Je<e& 2018-19 kesÀ oewjeve, efJeefYeVe Speseqvme³eeW Üeje mejkeÀej heé³eesefpele keÀe³e&¬eÀceeW meefnle
efJeefYeVe hewjeceerìjeW kesÀ Debleie&le jep³e ceW keÀer ieF& heíeefle keÀer meceer#ee leLee Gme hej efveiejeveer jKeves nsleg oes efve³eefcele SmeSueyeermeer yewþkeWÀ Dee³eesefpele keÀer ieF¥.
efJeOeevemeYee SJeb ueekesÀmeYee ®egveeJeeW kesÀ ®eueles Dee®eej mebefnlee kesÀ keÀejCe efJeÊeer³e Je<e& 2018-19 keÀer efoefJeleer³e íceener ceW jep³e ceW nesves Jeeueer 02 DeefveJee³e&
yewþkeWÀ Dee³eesefpele veneR keÀer pee mekeÀer.
yeQkeÀeW mes ueieeleej DevegJeleea keÀej&JeeF& keÀjles ngS efoveebkeÀ 14 Dehe´wue, 2018 mes efoveebkeÀ 05 ceF&, 2018 lekeÀ Dee³eesefpele heerScepes[erJee³e, heerSceSmeyeerJee³e SJeb
heerScepespesyeerJee³e kesÀ Debleie&le Yeejle mejkeÀej kesÀ ’ûeece mJejepe DeefYe³eeve“ kesÀ 100% ue#³e keÀes jep³e ves heéhle keÀj efue³ee nw.
yeQkeÀeW mes ueieeleej DevegJeleea keÀej&JeeF& keÀjles ngS mejkeÀej heé³eesefpele efJeefYeVe ³eespeveeDeeW kesÀ Debleie&le pewmes cegK³e ceb$eer mJe:jespeieej me=peve ³eespevee, cegêe,
heerSceF&peerheer, SveDeejSueSce kesÀ ue#³eeW keÀes yeQkeÀeW ves 100% mes DeefOekeÀ heéhle efkeÀ³ee nw.
Jeee|<ekeÀ $eÝCe ³eespevee kesÀ Debleie&le yeQkeÀeW kesÀ keÀe³e&-efve<heeove hej SmeSueyeermeer Üeje melele efveiejeveer jKeer peeleer nw. heefjCeecele: efJeÊeer³e Je<e& 2018-19 ceW jep³e
meeKe ³eespevee kesÀ Debleie&le 94% ue#³e neefmeue keÀj efue³ee ie³ee nw.
Yeejleer³e efjpeJe& yeQkeÀ kesÀ ’Huesme Dee@HeÀ ³etefìueeF&pesMeve ceeveob[’ kesÀ Debleie&le ªhe³es 10,718 keÀjesæ[ kesÀ $eÝCe pees[ves kesÀ yeeo 31 cee®e& 2018 mes jep³e kesÀ meer[er
Devegheele ceW keÀeHeÀer megOeej neskeÀj 74.69% mes ye{keÀj 31 cee®e& 2019 keÀes 80.90% nes ie³ee.
meeceeefpekeÀ v³ee³e Deewj efoJ³eebiepeve keÀu³eeCe ceb$eeue³e, ceO³eheósMe mejkeÀej Üeje jep³e kesÀ 38 ueeKe Je=× efvejeefÞele ueesieeW keÀes [eryeerìer kesÀ ceeO³ece mes ªhe³es 600
heéfle ceen meeceeefpekeÀ megj#ee heWMeve oer pee jner nw. yeQeEkeÀie megefJeOee Deemeeveer mes heóeve keÀjves kesÀ GosM³e mes jep³e mejkeÀej Üeje ’HesvMeve DeehekesÀ Üej’ ³eespevee keÀes
ueeiet efkeÀ³ee ie³ee nw. Fme ³eespevee kesÀ Debleie&le heWMeve keÀe Yegieleeve he´l³eskeÀ ceen keÀer 7 leejerKe keÀes yeQeEkeÀie efce$e/yeQkeÀ MeeKee Üeje efkeÀ³ee peelee nw efpememes ueeYeeLeea
keÀes Deheves mebyebefOele ieebJe mes 5 efkeÀueesceerìj mes otj ve peevee he[W. Fme mebyebOe ceW SmeSueyeermeer Üeje yeQkeÀeW keÀer heíeefle keÀer efve³eefcele melele efveiejeveer keÀer peeleer nw.
jep³e kesÀ efueS nceeje I³es³e nw ’jep³e keÀe mebhetCe& SJeb meJee¥ieerCe efJekeÀeme“ efpemekesÀ ceeO³ece mes veeieefjkeÀeW keÀe peerJeve KegMeneue yeve mekesÀ Deewj GvekesÀ meeceL³e& kesÀ
Devegmeej GvnW DeJemej efceueves ®eeefnS efkeÀ Jen Þesÿ he´³eeme keÀjW Deewj osMe kesÀ efJekeÀeme ceW ³eesieoeve heóeve keÀjW.
Jeee|<ekeÀ $eÝCe ³eespevee kesÀ ue#³e heéhle keÀjves kesÀ efueS efJeefYeVe jCeveerefle³eeW hej ®e®ee&, efJeÊeer³e meceeJesMeve kesÀ keÀe³ee&vJe³eve mes mebyebOeer keÀe³e&-³eespevee SJeb Fve GÎsM³eeW
keÀer heéeqhle ceW GvekeÀer YetefcekeÀe Deewj GÊejoeef³elJe keÀes efveOee&efjle keÀj GosM³eeW keÀes heéhle keÀjves kesÀ efueS jep³e kesÀ meYeer DeieĆeer efpeuee heýebOekeÀeW keÀer meceer#ee
meccesueve/keÀe³e&Meeuee keÀjves ceW nce DeieĆeer jns nw.
efJeÊeer³e Je<e& 2018-19 kesÀ Debleie&le ceO³eheósMe mejkeÀej, SceSmeSceF& efJeYeeie Üeje ke=À<ekeÀeW kesÀ heg$e/heg$eer kesÀ efueS Go³eesie (efJeefvecee&Ce/mesJee/J³eeheej #es$eeW) ceW
FkeÀeF³eeb mLeeefhele keÀjves kesÀ efueS yeQkeÀ Üeje SkeÀ veF& efJeÊehees<eCe ³eespevee ’cegK³eceb$eer ke=À<ekeÀ GÐeceer ³eespevee’ keÀe MegYeejcYe efkeÀ³ee ie³ee nw. ªhe³es 2 keÀjesæ[ keÀer
heefj³eespevee kesÀ efueS efJeÊeer³e mene³elee GheueyOe nesieer. ³en ³eespevee ceee|peve ceveer, y³eepe Devegoeve, ieejbìer MegukeÀ, GÐeceer efJekeÀeme heéfMe#eCe Deeefo kesÀ ªhe ceW ueeYe
heóeve keÀjleer nw.
efJeÊeer³e mee#ejlee SJeb $eÝCe hejeceMe& kesÀvê (SHeÀSuemeermeer)
nceves 7 jep³eeW ceW 48 SHeÀSuemeermeer Keesues nQ, ³eLee ceO³e heósMe(18), efyenej(10), cenejeä^(7), GÊej heósMe(5), heeq½ece yebieeue(3), jepemLeeve(3) SJeb
íÊeermeieæ{(2).
Fve meYeer kesÀvêeW Üeje ieebJeeW ceW 41480 DeeGì[esj efJeefpeì keÀer ieF&, efpemeceW 435250 J³eefÊeÀ³eeW keÀes mee#ejlee/hejeceMe& heóeve efkeÀ³ee ie³ee. FvekesÀ Debleie&le peve-
DeefYe³eeve SJeb J³eefÊeÀiele hejeceMe& oesveeW ner Meeefceue nw.
ueesieeW ceW peeie©keÀlee ueeves SJeb GvekeÀer Deee|LekeÀ eqmLeefle Deewj peerJeve³eeheve mlej ceW megOeej kesÀ DeJemej heóeve keÀjves kesÀ efueS yeQkeÀ ves GvnW peve mecheke&À heĆeeueer ³egÊeÀ
ieeefæ[³eeb SJeb yeQkeÀ Üeje DeejcYe efkeÀ³es ieS efJeefYeVe GlheeoeW/³eespeveeDeeW keÀes he´®eeefjle keÀjves kesÀ efueS Suemeer[er heóeve efkeÀS nw. FmekesÀ DeueeJee ieebJe kesÀ oewjeW SJeb
hejeceMe& heóeve keÀjles mece³e efMe#eCe meeceieér, efkeÀì, efkeÀleeyeW Fl³eeefo Yeer GheueyOe keÀjeF& nw.
ieéceerCe mJejespeieej heéfMe#eCe mebmLeeve (Deejmesìer)
yeQkeÀ ves osMe kesÀ 9 jep³eeW ceW 46 Deejmesìer keÀer mLeehevee keÀer nw DeLee&le ceO³e heósMe(18), efyenej(9), cenejeä^(6), GÊej heósMe(5), heeq½ece yebieeue(3),
íÊeermeieæ{(2), jepemLeeve(1), Deesef[mee(1) SJeb Demece(1).
34
Je<e& 2018-19 kesÀ oewjeve, Deejmesìer ves 1098 heéfMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS efpeveceW 31,274 heéfleYeeefie³eeW keÀes heéfMe#eCe heóeve efkeÀ³ee ie³ee. FveceW mes
23,142 (74%) heéfMe#eeLeea yeQkeÀ $eÝCe, cepeotjer efveheìeve SJeb mJe:efJeÊe hees<eCe mes mLeeefHele efkeÀS ieS.
kegÀue heéfMeef#ele heéfleYeeefie³eeW ceW mes 13227 ³eeefve 43% ¬esÀef[ì eEuekesÀpe mes mLeeefHele efkeÀS ieS.
Dev³e henueW
Deejmesìer leLee SHeÀSuemeermeer kesÀ he´®eeueveeW leLee keÀe³e&-heĆeeueer hej efve³eb$eCe SJeb efveiejeveer jKeves kesÀ efueS nceejs yeQkeÀ Üeje ’mesvìûe yeQkeÀ Dee@]HeÀ Fbef[³ee meeceeefpekeÀ
GlLeeve SJeb heéfMe#eCe mebmLeeve (meeryeerDeeF&-Sme³etSheerSme)“ veece mes SkeÀ meesmeeFìer/ì^mì keÀer mLeehevee keÀer ieF& nw.
nceves SkeÀ G®®e mlejer³e he´MeemekeÀer³e heefj<eo keÀe ieþve efkeÀ³ee nw, FmeceW nceejs heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer mejb#ekeÀ kesÀ ªhe ceW, keÀe³e&heeuekeÀ
efveosMekeÀ DeO³e#e kesÀ ªhe ceW SJeb ceneheýebOekeÀieCe FmekesÀ meom³e kesÀ ªhe ceW Deejmesìer leLee SHeÀSuemeermeer kesÀ ceeceueeW leLee keÀe³eeX hej hetCe& efve³eb$eCe SJeb efveiejeveer
jKeWies.
nceves he³ee&hle ceeveJeMeefÊeÀ kesÀ meeLe ³eLesä o#elee heéhle mesJeeefveJe=Êe Jeefjÿ yeQkeÀ DeefOekeÀeefj³eeW keÀes Deejmesìer efveosMekeÀ kesÀ ªhe ceW keÀe³e& keÀjves nsleg DevegyebefOele keÀjvee
heéjcYe keÀj efo³ee nw.
efpeuee mlej hej meYeer mLeeveer³e efJekeÀeme mebmLeeveeW kesÀ heéfleefveefOe³eeW keÀes meeqcceefuele keÀj mLeeveer³e meueenkeÀej meefceefle³eeW leLee heéfMe#eCe meefceefle³eeW keÀe ieþve efkeÀ³ee
ie³ee nw.
meYeer 46 Deejmesìer kesÀ efueS YeJeve efvecee&Ce nsleg, nceves SkeÀ cee@[ue ³eespevee lew³eej keÀer nw. Fve 46 Deejmesìer ceW mes 33 Deejmesìer YeJeve keÀe efvecee&Ce hetje nes ®egkeÀe
nw Deewj Mes<e ceW keÀe³e& heíeefle hej nw.
SceSmeSceF& efJeYeeie:
met#ce GÐece kesÀ Debleie&le efve<heeove:
met#ce GÐece kesÀ Debleie&le KeeleeW keÀer mebK³ee ceW yeQkeÀ ves 20.24% keÀer Je=ef× neefmeue keÀer nw.
SceSmeF& kesÀ Debleie&le met#ce $eÝCe keÀe heéfleMele heéLeefcekeÀlee heéhle #es$e GOeej hećeeCehe$e (heerSmeSuemeer) kesÀ efyevee 36.39%,heerSmeSuemeer kesÀ meeLe 44.89% nw.
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, meerpeerìerSceSmeF& kesÀ Debleie&le 483 KeeleeW ceW ` 35.62 keÀjesæ[ kesÀ oeJeeW keÀe efveheìeve ngDee. KeeleeW kesÀ ceeceues ceW ope& oeJeeW
kesÀ heéfleMele kesÀ ªhe ceW Devegceesefole oeJes 46.79% nw. jeefMe kesÀ ceeceues ceW ope& oeJeeW kesÀ heéfleMele kesÀ ªhe ceW mJeerke=Àle oeJes 32.12% nw.
heerSceSceJee³e kesÀ Debleie&le efJeÊeer³e mesJee³eW efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej Üeje efo³es ie³es ue#³e ceW nceejs yeQkeÀ keÀer GheueeqyOe 58.28% nw. 31 cee®e&
2019 keÀes ve³es mebefJelejCe kesÀ Debleie&le `3,550 keÀjesæ[ kesÀ ue#³e kesÀ mece#e nceejs yeQkeÀ keÀer GheueeqyOe `2,069 keÀjesæ[ nw.
henueW :
HeÀeru[ HebÀkeÌMeveefj³eeW kesÀ Ghe³eesie SJeb lJeefjle meboYe& nsleg SceSmeSceF& $eÝCeeW kesÀ JeieeakeÀjCe mebyebOeer DeÐeleve ceemìj heefjhe$e yeQkeÀ keÀer Fbìêvesì meeFì hej Deheuees[
efkeÀ³ee ie³ee nw.
yeQkeÀ ves psbloansin59minutes heesì&ue hej keÀe³e& DeejcYe efkeÀ³ee nw. efJeÊeer³e Je<e& 2019 kesÀ Debleie&le psbloansin59minutes ceW 2,200 KeeleeW ceW
kegÀue ªhe³es 485 keÀjesæ[ mJeerke=Àle efkeÀS ieS.
yeæ{les keÀoce :
Yeejleer³e efjpeJe& yeQkeÀ SJeb heÓeeveceb$eer ìemkeÀ HeÀesme& (heerSceìerSHeÀ) Üeje met#ce GÐece kesÀ efueS efveOee&efjle ue#³e heéhle keÀjves hej peesj efo³ee pee jne nw. Fme ue#³e keÀes heéhle
keÀjves kesÀ efueS cegêe ³eespevee, mìsv[ Dehe Fbef[³ee ³eespevee, kesÀJeerDeeF&meer/heerSceF&peerheer ³eespevee kesÀ Debleie&le $eÝCe leLee mesvì JeerJej cegêe ³eespevee kesÀ Debleie&le efJeÊe hees<eCe
yeæ{eves hej peesj efo³ee nw.
efjìsue $eÝCe
efoveebkeÀ 31.03.2019 keÀes efjìsue $eÝCe ³eespeveeDeeW ceW kegÀue yekeÀe³ee jeefMe³eeb ` 48,666 keÀjesæ[ Leer. yeQkeÀ kesÀ kegÀue Deefieće ceW efjìsue heesì&HeÀesefue³ees keÀer efnmmesoejer
29.01% nw. efheíues Je<e& keÀer leguevee ceW efjìsue ceW 1.13% keÀer Je=ef× ngF&.
31.03.2015 31.03.2016 31.03.2017 31.03.2018 31.03.2019
efjìsue $eÝCe 34939 38505 32008 48123 48666
kegÀue $eÝCe 194967 190152 153008 177484 167729
kegÀue $eÝCe ceW efjìsue keÀe % 17.92% 20.25% 20.92% 27.11% 29.01%
35
kegÀue $eÝCeeW ceW efjìsue (©he³es keÀjesæ[ ceW)

194967 190152
200000 – 177484
167729
153008
150000 –
100000 –
48123 48666
34939 38505 32008
50000 –
0–
31.03.2015 31.03.2016 31.03.2017 31.03.2018 31.03.2019
RETAIL CREDIT TOTAL CREDIT
Glheeo Deewj mesJeeSb

1. yeQkeÀ kesÀ heeme Deece pevelee keÀes heóeve keÀjves kesÀ efueS DeveskeÀeW ³eespeveeye× ³eespeveeSb nQ pees efkeÀ mheä Deblej kesÀ meeLe mebYeeefJele ieénkeÀeW keÀer efJeefMeä DeeJeM³ekeÀleeDeeW
keÀer hete|le keÀjlee nw. yeQkeÀ Fve meYeer ³eespeveeDeeW keÀes mheä Deblej kesÀ meeLe mebYeeefJele ieénkeÀeW keÀer efJeefMeä DeeJeM³ekeÀleeDeeW kesÀ efueS Deece pevelee keÀes heóeve keÀjles nQ.
³en Glheeo efJeefYeVe mecetneW Deewj efvee|oä Deeuee Keb[eW kesÀ efueS efveoxefMele nw.
2. efjìsue GlheeoeW keÀer efJe¬esÀ³elee keÀes ye{eves kesÀ ¬eÀce ceW efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve DeeJeeme, Jeenve, cee@iexpe, ì^s[ leLee J³eefÊeÀiele $eÝCe ³eespeveeDeeW ceW
DeeJeM³ekeÀ heefjJele&ve efkeÀS ieS nQ.
3. peesefKece ceW keÀceer keÀjves kesÀ efueS yeQkeÀ ves Kegoje $eÝCe GlheeoeW hej hegve: efJe®eej efkeÀ³ee Deewj efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve DeeJeM³ekeÀ yeoueeJe efkeÀS:
- meWì ceesiexpe ³eespevee (Dees[er) keÀes yebo keÀjvee- SveheerS ceW yeæ{eslejer kesÀ keÀejCe neuee@efkeÀ Jele&ceeve Dees[er KeeleeW kesÀ mebyebOe ceW meceer#ee/veJeerveerkeÀjCe/Je=ef× hee$elee
kesÀ DeeOeej hej peejer jnsieer.
- ` 7.50 ueeKe lekeÀ kesÀ efMe#ee $eÝCe DeefveJee³e& ªhe mes Svemeer]peerìermeer ³eespevee kesÀ Debleie&le Keesues ieS.
4. efJeÊeer³e Je<e& 2018-19 ceW kesÀvêerke=Àle $eÝCe he´mebmkeÀjCe kesÀvê (meermeerheermeer) ves efve<heeove Fb[@keÌme ceW 40.05% keÀer GheueeqyOe jner nw. ` 3,342.67 keÀjesæ[ jeefMe
kesÀ kegÀue 12476 Keeles mJeerke=Àle efkeÀS ieS. ` 2,373.15 keÀjesæ[ jeefMe kesÀ kegÀue 9079 DeeJeeme $eÝCe Keeles mJeerke=Àle efkeÀS ieS. 58% mes DeefOekeÀ meYeer
DeeJeeme $eÝCe leLee 40% mes DeefOekeÀ ceesiexpe/ì^s[/ Mew#eefCekeÀ $eÝCeeW keÀe he´mebmkeÀjCe meermeerheermeer ceW efkeÀ³ee ie³ee. meYeer efjìsue GlheeoeW keÀe he´mebmkeÀjCe keÌueeme
cees[³etue Üeje ner efkeÀ³ee ie³ee.
5. Je<e& kesÀ oewjeve ` 9689 keÀjesæ[ jeefMe kesÀ 1.54 ueeKe veS efjìsue $eÝCe Keeles mJeerke=Àle efkeÀS ieS. efJeÊeer³e Je<e& 2018-19 ceW efjìsue MeeKeeDeeW Üeje heéfle ceen
Keesues peeves Jeeues KeeleeW keÀer Deewmele mebK³ee 2.78 nw,efpemekeÀe Deewmele efìkeÀì DeekeÀej ` 6.28 ueeKe nw.
6. ye{les keÀoce:
nce efJeÊleer³e Je<e& 2019-20 kesÀ efueS Deheves Kegoje $eÝCeeW kesÀ heesì&HeÀesefue³ees ceW 13.04% keÀer Je=ef× keÀes ueef#ele keÀj jns nw. efJeÊeer³e Je<e& 2019-20 kesÀ Deble
lekeÀ kegÀue Deefieće ceW mes Kegoje $eÝCe 30% ueef#ele nw. Kegoje $eÝCe keÀes yeæ{eJee osves kesÀ efueS yeQkeÀ ves keÀce peesefKece Jeeues ceesì&iespe DeeOeeefjle $eÝCe hej O³eeve
kesÀeqvêle keÀjves kesÀ meeLe efJeMes<e ³eespevee jCeveerefle yeveeF& nw ³eeveer LTV Devegheele < 80% kesÀ meeLe DeeJeeme $eÝCe efJeMes<ele: heerSceSJeeF& ÞesCeer kesÀ Debleie&le, ieesu[
$eÝCe Deewj Jesleve leLee heWMeve Keelee OeejkeÀ keÀes J³eefÊeÀiele $eÝCe. yeQkeÀ Kegoje heesì&HeÀesefue³eeW kesÀ 50% mes DeefOekeÀ keÀjves kesÀ efueS DeeJeeme $eÝCe keÀer heefjkeÀuhevee
keÀjlee nw.
Kegoje yeQeEkeÀie kesÀ efueS, yeQkeÀ ves DeveskeÀ jCeefveefle³eeB yeveeF& nQ, efpemeceW Meeefceue nw:
Glheeo heesì&HeÀesefue³ees keÀes ³egefÊeÀmebiele yeveevee: Glheeo heesì&HeÀesefue³eeW keÀes leke&Àmebiele yeveeves kesÀ efueS nceves kegÀue 33 Kegoje $eÝCe GlheeoeW keÀes IeìekeÀj 12
GlheeoeW keÀes leke&Àmebiele yevee³ee nw. SkeÀ pewmeer megefJeOeeDeeW Jeeues GlheeoeW keÀe meceskeÀve efkeÀ³ee ie³ee. keÀce cee$ee, keÀce ceebie SJeb Dehe´®eefuele GlheeoeW yebo efkeÀ³ee
ie³ee. ieénkeÀeW kesÀ heéfle DeekeÀ<e&Ce ye{eves, yesnlej ceevekeÀerkeÀjCe Deewj HeÀeru[ HebÀkeÌMeveefj³eeW keÀe Glheeo kesÀ heéfle %eeve yeæ{eves kesÀ efueS yeepeej keÀer ceewpetoe ceebieeW
kesÀ Devegªhe ueeves kesÀ efueS lew³eej efkeÀ³ee ie³ee.
36
heefjmebheefÊe keÀJejspe mes vekeÀoer he´Jeen ceW heefjJele&ve efJeMes<e ªhe mes meWì ì^s[, meWì yebOekeÀ ³eespeveeDeeW Deeefo ceW heefjJele&ve.
meermeerheermeer keÀer hegve:mLeehevee: MegªDeele mes Deble lekeÀ mJeeefcelJe kesÀ efvejer#eCe mes heúesKeve leLee efJelejCe lekeÀ keÀe DeefOekeÀej meermeerheermeer ceW nesiee.
$eÝCe he´mleeJe ueeves ceW mene³elee keÀjves kesÀ efueS #es$eer³e keÀe³ee&ue³e mlej hej efJeheCeve Jee|ìkeÀue.
keÌueeme keÀer hegve:mLeehevee: ieefleMeeruelee kesÀ meeLe veS ceb®e leLee kesÀJeeF&meer Deewj ¬esÀef[ì mkeÀesj, peerSmeìerSve, DeeF&ìerDeej, ieénkeÀeW kesÀ $eÝCe DeeJesoveeW keÀer
Dee@veueeFve ì^weEkeÀie Deeefo kesÀ ef[efpeìue mel³eeheve keÀer DeefleefjÊeÀ megefJeOee kesÀ meeLe keÌueeme keÀer hegve:mLeehevee.
ìve& DejeGb[ ìeF&ce ceW keÀceer.
ieénkeÀ efMekeÀe³eleeW ceW keÀceer
Debleje&äêr³e heÝeeie
yeQkeÀ keÀe efJeosMeer efJeefvece³e J³eJemee³e osMeYej ceW HewÀueer 71 heéefOeke=Àle [eruej (`yeer’ ÞesCeer) MeeKeeDeeW Üeje mebheeefole efkeÀ³ee peelee nw. heefj®eeueveer³e kegÀMeuelee kesÀ
efueS cegcyeF& ceW yeQkeÀ keÀe SkeÀ kesÀvêerke=Àle [ereEueie ªce nw leeefkeÀ keÀes<e heýevOeve Je heefj®eeueve megefJeOee ceW yesnlejer neefmeue keÀer pee mekesÀ.
efoveebkeÀ 31.03.2019 keÀes yeQkeÀ keÀe efve³ee&le $eÝCe heesì&HeÀesefue³ees keÀce neskeÀj ` 5,314 keÀjesæ[ nes ie³ee pees efo. 31.03.2018 keÀes ` 5,694 keÀjesæ[ Lee.
efJeÊeer³e Je<e& 2018-19 ceW ce®eXì ì^s[ efJeosMeer efJeefvece³e keÀe ìve&DeesJej ` 42,995 keÀjesæ[ jne, pees efJeÊeer³e Je<e& 2017-18 ceW ` 42,332 keÀjesæ[ Lee.
SveDeejF& pecee jeefMe efoveebkeÀ 31.03.2018 keÀes ` 4,764 keÀjesæ[ mes yeæ{keÀj efoveebkeÀ 31.03.2019 keÀes ` 4,941 keÀjesæ[ nes ie³eer, pees iele Je<e& keÀer leguevee
ceW 3.72% keÀer Je=ef× oMee&leer nw.
SHeÀmeerSveDeej pecee jeefMe efoveebkeÀ 31.03.2018 keÀes ³etSme[er 220.83 efceefue³eve mes yeæ{keÀj efoveebkeÀ 31.03.2019 keÀes ³etSme[er 226.73 efceefue³eve nes ieF&,
pees efheíues Je<e& keÀer leguevee ceW 2.67% keÀer Je=ef× oMee&leer nw.
ì^spejer, efveefOe SJeb efveJesMe
yeQkeÀ keÀe efveJesMe heesì&HeÀesefue³ees efoveebkeÀ 31 cee®e& 2019 keÀes yeæ{keÀj ` 1,29,219 keÀjesæ[ nes ie³ee nw, (iewj-SmeSueDeej, iewj-DeblejCe Yeejle mejkeÀej
hegve:hetbpeerkeÀjCe yee@[ `11,427 keÀjesæ[) pees efoveebkeÀ 31 cee®e&, 2018 keÀes ` 1,05,295 keÀjesæ[ Lee, FmeceW efheíues Je<e& keÀer leguevee ceW 22.72% keÀer Je=ef× ope&
ngF&. ome Je<eea³e yeW®eceeke&À heéfleHeÀue efoveebkeÀ 31.03.2018 kesÀ 7.40% keÀer leguevee ceW efoveebkeÀ 31 cee®e&, 2019 keÀes 7.35% hej yebo ngDee nw.
Je<e& kesÀ oewjeve Yeejleer³e efjpeJe& yeQkeÀ ves jshees jsì ceW oes yeej petve Deewj Deiemle 2018 ceW 0.25% keÀer yeæ{eslejer keÀer Deewj HeÀjJejer 2019 ceW 0.25% Ieìe keÀj
heÝeeJeer ªhe mes jsì keÀes 6.25% uee³ee ie³ee SJeb hee@efuemeer jsì keÀe@efj[esj 0.5% mes keÀce keÀjkesÀ 0.25% efkeÀ³ee ie³ee. FmekesÀ heefjCeecemJeªhe yeQkeÀ jsì yeæ{keÀj
6.50% nes ie³ee.
jshees GOeejer meercee Sve[erìerSue kesÀ 0.25% leLee ceer³eeoer jshees Sve[erìerSue kesÀ 0.75% ceW keÀesF& heefjJele&ve veneR ngDee, jsì keÀes jshees jsì kesÀ Deemeheeme jKeves kesÀ
GÎsM³e mes FmekesÀ meeLe efJeJeskeÀhetCe& heefjJeleveer³e efce³eeoer jshees SJeb efjJeme& jshees keÀes Sve[erìerSue kesÀ 1% DeefOekeÀ jKee. efce³eeoer SueSSHeÀ ceW GOeejer kesÀ efueS yeQkeÀeW
keÀes veerueeceer ceW yeesueer ueieeveer heæ[leer nw.
DeeqmLej yeepeej SJeb mebkeÀìie´mle lejuelee heýebOeve heefjeqmLeefle³eeW ceW, ì^spejer ves ` 215 keÀjesæ[ keÀe ì^seE[ie ueeYe ope& efkeÀ³ee, peesefkeÀ efheíues Je<e& ` 576 keÀjesæ[ Lee.
efveJesMe hej heéfleHeÀue (ì^seE[ie ueeYe kesÀ DeueeJee) Je<e& 2017-18 kesÀ 7.07% mes yeæ{keÀj Je<e& 2018-19 kesÀ oewjeve 7.15% nes ie³ee.
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heéfleYetefle³eeW kesÀ mLeeveeblejCe mebyebOeer efoMee efveoxMeeW kesÀ Devegheeueve ceW, yeQkeÀ ves Je<e& 2018-19 kesÀ oewjeve keWÀê SJeb jep³e mejkeÀej keÀer
` 11950 keÀjesæ[ keÀer heéfleYetefle³eeb SSHeÀSme mes S®eìerSce ceW SJeb `14541 keÀjesæ[ keÀer jeefMe, S®eìerSce mes SSHeÀSme ceW Debleefjle keÀer.
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ kesÀ efveJesMe heesì&HeÀesefue³ees keÀe mebIeìve Fme he´keÀej nw:
(` keÀjesæ[ ceW)
¬eÀ.meb. mebIeìve 31.03.2019 31.03.2018
1. SmeSueDeej 96206.03 81613.25
2. iewj SmeSueDeej 33013.28 23681.44
kegÀue 129219.31 105294.69
37
peesefKece heýebOeve
peesefKece heýebOeve heĆeeueer/ mebieþveelcekeÀ mebj®evee
yeQkeÀ ceW Deye peesefKece heýebOeve heĆeeueer megJ³eJeeqmLele ªhe mes mLeeefhele nw. efveosMekeÀ ceb[ue keÀer peesefKece heýebOeve meefceefle efve³eefcele ªhe mes ¬esÀef[ì, ceekexÀì Deewj heefj®eeueve
peesefKece leLee efheuej II peesefKeceeW kesÀ lenle yeQkeÀ keÀer peesefKece heýebOeve veerefle³eeW/he´LeeDeeW keÀer osKejsKe keÀjleer nw. meefceefle GlheeoeW kesÀ cetu³e efveOee&jCe kesÀ efueS veerefle³eeW Deewj
heéf¬eÀ³eeDeeW keÀer meceer#ee keÀjleer nw Deewj yeepeej kesÀ efJekeÀeme kesÀ meehes#e peesefKece Jeeues cee@[ue keÀe DeekeÀueve keÀjleer nw Deewj veS peesefKeceeW keÀer hen®eeve Deewj efve³eb$eCe Yeer
keÀjleer nw. meefceefle efve³eefcele ªhe mes keÀe@heexjsì mlej hej mebyebefOele efJeYeeieeW Üeje efJeefYeVe peesefKece ceevekeÀeW kesÀ Devegheeueve keÀer veeriejeveer keÀjleer nw.
peesefKece heýevOeve mebj®evee
heefj®eeueve mlej hej efJeefYeVe meefceefle³eeb, ³eLee yeepeej peesefKece kesÀ efueS Deeeqmle os³elee meefceefle (DeeukeÀes), $eÝCe peesefKece kesÀ efueS $eÝCe peesefKece heýevOeve meefceefle
(meerDeejScemeer) leLee heefj®eeueve peesefKece kesÀ efueS heefj®eeueve peesefKece heýevOeve meefceefle (DeesDeejmeerDees) ieefþle keÀer ieF& nw efpemeceW Meer<e& heýevOeleb$e ìerce mes meom³e
Meeefceue efkeÀS ieS nQ.
³en meefceefle³eeb yeQkeÀ kesÀ efJeefYeVe heefj®eeueveeW kesÀ Debleie&le peesefKece kesÀ mlej kesÀ efveiejeveer SJeb efveOee&jCe kesÀ efueS Je<e& Yej efve³eefcele yewþkeWÀ keÀjleer nQ leLee
DeeJeM³ekeÀleevegªhe Gef®ele peesefKece v³etveerkeÀjCe kesÀ Ghee³e ueeiet keÀjleer nQ.
meYeer Deeb®eefuekeÀ/#es$eer³e keÀe³ee&ue³eeW ceW yeQkeÀ ves Jeefjÿ heýevOekeÀ/heýevOekeÀ ÞesCeer kesÀ DeefOekeÀeefj³eeW keÀes ’peesefKece heýevOekeÀ“ kesÀ leewj hej DeefYeef®eeqvnle efkeÀ³ee nw.
³en peesefKece heýevOekeÀ, Deeb®eefuekeÀ keÀe³ee&ue³e/#es$eer³e keÀe³ee&ue³e mlej hej kesÀvêer³e keÀe³ee&ue³e kesÀ peesefKece heýevOeve efJeYeeie kesÀ efJemleeefjle Yeeie kesÀ leewj hej keÀe³e&
keÀjles nQ. yeQkeÀ ves kesÀvêer³e keÀe³ee&ue³e kesÀ efJeefYeVe efJeYeeieeW ceW Jeefjÿ ÞesCeer kesÀ DeefOekeÀejer Yeer DeefYeef®eeqvnle efkeÀS nQ pees peesefKece heýevOeve mes mebyebefOele efve³eb$eCe kesÀ
efJeefYeVe henuegDeeW keÀes osKeves SJeb peesefKece heýevOeve keÀer mene³elee kesÀ efueS ’vees[ue DeefOekeÀejer“ kesÀ ªhe ceW keÀe³e& keÀjles nQ.
yeepeej peesefKece heýebOeve
efce[ Dee@efHeÀme yeepeej keÀer eqmLeefle, HebÀeE[ie hewìve& keÀer meceer#ee keÀjlee nw Deewj SkeÌmeheespej, DeJeefOe, keÀeGbìj heeìea keÀer meerceeDeeW Deewj efJeefYeVe mebJesoveMeerue ceeheob[eW
keÀe Devegheeueve keÀes megefveeq½ele keÀjlee nw Deewj efjheesì& efve³eefcele Deblejeue hej Meer<e& heýebOeve keÀes he´mlegle keÀer peeleer nw.
JeerSDeej leLee DeJeefOe efJeMues<eCe pewmes GhekeÀjCe keÀe Ghe³eesie DeuhekeÀeue ceW yeQkeÀ kesÀ ueeYe keÀes leLee oerIe&keÀeue ceW FeqkeÌJeìer cetu³e FeqkeÌJeìer keÀes veeheves Deewj heýebefOele
keÀjves kesÀ efueS melele DeeOeej hej efkeÀ³ee peelee nw.
ì^seE[ie heesì&HeÀesefue³ees hej hetbpeeriele heÝeej keÀe melele Devegceeve ueieeves kesÀ efueS SkeÀ cee@[ue lew³eej efkeÀ³ee ie³ee nw leLee yeepeej peesefKece kesÀ mebyebOe ceW yeemeue III kesÀ
efoMeeefveoxMeeW kesÀ Devegmeej Gmes ueeiet efkeÀ³ee pee jne nw.
yeQkeÀ ves heesì&HeÀesefue³ees ceW yeepeej peesefKece hej efveiejeveer keÀjves kesÀ efueS yeQkeÀ kesÀ yees[& ves yeepeej peesefKece heýevOeve veerefle keÀes cebpetjer oer nw. heefj®eeueve kesÀ efueS heéfle-
he#e heee|ì³eeW keÀer meerceeSb mecekeÀ#eeW keÀer veJeervlece eqmLeefle kesÀ Devegmeej efveOee&efjle /meceer#ee keÀer ie³eer nw.
$eÝCe peesefKece heýevOeve
yeQkeÀ ceW megmheä efueefKele SkeÀerke=Àle $eÝCe peesefKece heýevOeve veerefle nw. efpemekeÀer efheíueer meceer#ee efveosMekeÀ ceb[ue Üeje efoveebkeÀ 25/02/2019 keÀes keÀer ieF&.
yeQkeÀ ves ef¬eÀefmeue efue. mes jseEìie cee@[îetue heéhle efkeÀ³ee nw.
yeQkeÀ ves efjìsue $eÝCe keÀer ie´seE[ie kesÀ efueS jseEìie cee@[ume (mkeÀesj keÀe[&) efJekeÀefmele efkeÀS nQ leLee FmekeÀe Ghe³eesie efkeÀ³ee pee jne nw.
$eÝCe peesefKece heýevOeve keÀer ieefleefJeefOe³eeW keÀer heíeefle keÀer efjheesì& efveiejeveer nsleg, heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀer DeO³e#elee Jeeueer $eÝCe peesefKece
veerefle meefceefle keÀes he´mlegle keÀer peeleer nw.
keÀe@jheesjsì SJeb efjìsue oesveeW heesì&HeÀesefue³ees kesÀ efueS efJekeÀefmele ¢eqäkeÀesCe Deheveeves keÀer lew³eejer keÀjles ngS yeQkeÀ heer[er, F&S[er Sb[ Suepeer[er keÀer ieCevee nsleg cee@[ume
efJekeÀefmele keÀjves keÀer heéf¬eÀ³ee ceW nw.
heefj®eeueve peesefKece heýevOeve
yeQkeÀ ceW heefj®eeueve peesefKece heýebOeve hetjer lejn mes megmheä heefj®eeueve peesefKece heýevOeve veerefle kesÀ Üeje ceeie&oe|Mele nw.
heefj®eeueve peesefKece heýevOeve meefceefle (DeesDeejmeerDees) efleceener Deblejeue ceW yeQkeÀ keÀer peesefKece heésHeÀeFue keÀer meceer#ee keÀjleer nw SJeb efveosMekeÀ ceb[ue Üeje efkeÀ³ee ie³ee
he³e&Jes#eCe heefj®eeueve peesefKece mes mebyebefOele iegCeelcekeÀ henuegDeeW keÀes heýeue keÀjlee nw.
yeQkeÀ, GVele ceehekeÀ ¢eqäkeÀesCe keÀer Deesj yeæ{les ngS Yee.efj.yeQ. keÀes DeeJesove keÀjves nsleg cee@[ue efJekeÀefmele keÀj jne nw leLee iegCeelcekeÀ SJeb heefjceeCeelcekeÀ met®eveeSb
38
yevee jne nw. veS GlheeoeW DeLeJee ieefleefJeefOe³eeW mes pegæ[er peesefKece keÀes v³etve keÀjves nsleg veF& Glheeo Devegceesove veerefle mebj®evee yeQkeÀ keÀes ceeie&oMe&ve heóeve keÀjleer nw.
yeQkeÀ ceW OeesKeeOeæ[er peesefKece heýebOeve keÀes OeesKeeOeæ[er peesefKece heýebOeve veerefle Üeje efveoxefMele efkeÀ³ee peelee nw.yeQkeÀ Deheves OeesKeeOeæ[er peesefKece keÀes HeÀeru[ mlej Deewj
heéfMe#eCe kesÀvêeW ceW Dee³eesefpele OeesKeeOeæ[er mebJesoerkeÀjCe keÀe³e&¬eÀceeW kesÀ Dee³eespeve kesÀ ceeO³ece mes keÀce keÀjlee nw.
yeQkeÀ SbìjheéFpe JeeF[ He´Àe@[ ef[ìskeÌMeve, cee@efveìeEjie Sb[ efhe´JeWMeve meesu³etMeve (EFRMS) kesÀ keÀe³ee&vJe³eve keÀer heéf¬eÀ³ee ceW nw pees efkeÀ JeemleefJekeÀ mece³e/
efvekeÀì,JeemleefJekeÀ mece³e ceW uesveosve,IeìveeDeeW, Ghe³eesiekeÀlee&DeeW, KeeleeW Deewj heĆeeefue³eeW ceW mebefoiOe heĆeeueer keÀer efveiejeveer keÀjsiee.
hetbpeer Dee³eespevee
yeQkeÀ kesÀ heeme meg¢{ DeeF&meerSSheer (DeebleefjkeÀ hetbpeer he³ee&hlelee cetu³eebkeÀve heéf¬eÀ³ee) GheueyOe nw. yeQkeÀ ves peesefKece DeefYeuee<eer {eb®ee lew³eej efkeÀ³ee nw SJeb yesmeue III ceeveob[eW
keÀer v³etvelece DeeJeM³ekeÀlee mes DeefOekeÀ hetbpeer Devegheele jKeves keÀe GÎsM³e nw. hetbpeer kesÀ mece#e heékeÌkeÀueveeW keÀer meceer#ee efleceener DeeOeej hej keÀer peeleer nw.
Deeeqmle SJeb os³elee heýevOeve he×efle³eeb
SSueSce hećegKel³ee yeQkeÀ kesÀ ueeYe keÀes DeefOekeÀlece keÀjves kesÀ GÎsM³e mes lejuelee SJeb y³eepe oj peesefKece kesÀ ceeheve SJeb heýebOeve mes mebyebefOele nw. DeeuekeÀes (Deeeqmle
SJeb os³elee meefceefle) ves Je<e& kesÀ oewjeve lejuelee SJeb Dev³e mebyebefOele ceeceueeW kesÀ mebyebOe ceW yeQkeÀ keÀer eqmLeefle keÀer meceer#ee keÀjves kesÀ efueS 20 yeej yewþkeWÀ keÀeR.
efJeefve³eecekeÀ efjheese\ìie kesÀ DeueeJee, peceeDeeW hej y³eepe efveOee&jCe keÀjves kesÀ meeLe-meeLe DeeOeej oj Deewj yeerheerSueDeej keÀe efveOee&jCe Yeer SSueSce Üeje efkeÀ³ee
peelee nw. Je<e& 2018-19 kesÀ oewjeve pecee y³eepe ojeW keÀes leerve(3) yeej, DeeOeej ojeW ceW ®eej (4) yeej SJeb ScemeerSueDeej ceW yeejn (12)yeej mebMeesOeve efkeÀ³ee
ie³ee nw.
Yeeefjyew kesÀ ve³es efoMeeefveoxMeevegmeej, yeQkeÀ ves efoveebkeÀ 01 peveJejer 2015 mes SuemeerDeej (lejuelee keÀJejspe Devegheele) keÀer ieCevee ceeefmekeÀ DeeOeej hej keÀjvee heéjbYe
keÀj efo³ee nw SJeb ³en Devegheele Yeeefjyew Üeje efveOee&efjle heéjbefYekeÀ meercee (DeLee&le, 2019 kesÀ efueS 100%) mes keÀeHeÀer DeefOekeÀ nw. efJeÊeer³e Je<e& 2018-19 kesÀ efueS
Deewmele SuemeerDeej 279.83% jne nw(Deeef[efì[).
yeemeue III efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve
Yeejleer³e efjpeJe& yeQkeÀ ves pegueeF&, 2015 ceW veS hetbpeer he³ee&hlelee {eb®es kesÀ keÀe³ee&vJe³eve hej DeÐeleve ceemìj heefjhe$e peejer efkeÀ³ee nw. Fve efoMeeefveoxMeeW kesÀ Devegmeej
yeQkeÀ ves yeemeue III Dehevee³ee nw leLee $eÝCe peesefKece nsleg ’ceevekeÀerke=Àle ¢efäkeÀesCe“,heefj®eeueveelcekeÀ peesefKece kesÀ efueS ’cetue mebkesÀlekeÀ ¢efäkeÀesCe“ Deewj yeepeej
peesefKece nsleg ’ceevekeÀerke=Àle DeJeefOe“ he×efle kesÀ DeeOeej hej hetbpeer keÀe heéJeOeeve efkeÀ³ee nw.
DeeOegefvekeÀ ¢eqäkeÀesCe keÀes Deheveeles ngS yeQkeÀ DeeF&DeejSceSme (SkeÀerke=Àle peesefKece heýebOeve meceeOeeve) kesÀ keÀe³ee&vJe³eve keÀer heéf¬eÀ³ee ceW nw.
meYeer DeeJeM³ekeÀ veerefle³eeb, pewmes $eÝCe peesefKece heýevOeve veerefle, heefj®eeueve peesefKece heýebOeve veerefle, yeepeej peesefKece heýebOeve veerefle, $eÝCe peesefKece v³etveerkeÀjCe leLee
mebheee|éekeÀ heýevOeve veerefle, yeepeej DevegMeemeve leLee heíeìerkeÀjCe veerefle, DeeF&meerSSheer Fl³eeefo yees[& Üeje efJeefOeJele Devegceesefole nw.
yeQkeÀ ves DeeF&Deejyeer (DeebleefjkeÀ jseEìie DeeOeeefjle)¢eqäkeÀesCe kesÀ ef¬eÀ³eevJe³eve nsleg DeeJeM³ekeÀ keÀoce Gþe³es nQ.
hetbpeer he³ee&hlee megOeej kesÀ efueS keÀe³e& ³eespevee
yeemeue III kesÀ efJeefve³eceeW kesÀ Devegmeej, yeQkeÀ keÀes efoveebkeÀ 31 cee®e&, 2019 lekeÀ v³etvelece 5.50% Devegheele ceW keÀe@ceve FeqkeÌJeìer ìer³ej -1 (meerF&ìer 1) SJeb 2.5% keÀe
hetbpeer mebJenve yeHeÀj (meermeeryeer) FeqkeÌJeìer hetbpeer kesÀ ªhe ceW ìer³ej 1 Devegheele 9.50% SJeb kegÀue meerDeejSDeej 11.50% yevee³es jKeves keÀer DeeJeM³ekeÀlee nw. yeQkeÀ keÀes
®eeuet DeeOeej hej efveOee&efjle hetbpeer he³ee&hlelee Devegheele (meerDeejSDeej) keÀes heéhle keÀjves kesÀ efueS hetbpeer keÀer DeeJeM³ekeÀlee nesieer. yeQkeÀ Üeje hetbpeer he³ee&hlelee ceeveob[eW keÀes
megOeejves kesÀ efueS efvecveefueefKele keÀoce GþeS pee jns nw -
I- yeQkeÀ ` 5,000/- keÀjesæ[ (©heS heeb®e npeej keÀjesæ[ cee$e) lekeÀ keÀer FeqkeÌJeìer hetbpeer Yeejle mejkeÀej, Yee.efj.yeQ.Deewj Dev³e efJeefve³eecekeÀ mebmLeeDeeW kesÀ Devegceesove
Deewj mesyeer(DeeF&meer[erDeej) efJeefve³eceeW meefnle meYeer ueeiet efJeefve³eceeW kesÀ Devegmeej ceW efJeefYeVe ceeO³eceeW pewmes efkeÀ heeqyuekeÀ FM³et kesÀ HeÀe@uees Dee@ve, jeFìdme FM³et, ceev³elee
heéhle mebmLeeDeeW kesÀ efve³eespeve meefnle heéFJesì efve³eespeve Fl³eeefo kesÀ ceeO³ece mes Gieener keÀjvee ®eenlee nw. JeefOe&le& hetbpeer keÀe Ghe³eesie yeQkeÀ kesÀ meeceev³e J³eeJemeeef³ekeÀ
GÎsM³eeW kesÀ efueS nesiee.
II- yeQkeÀ me®esle ªhe mes $eÝCe peesefKece Deej[yu³etS/ kegÀue Deefieće Devegheele keÀes cee®e& 2018 ceW 80.34% mes cee®e&, 2019 ceW 71.91% lekeÀ veer®es uee³ee nw. yeQkeÀ
hetbpeer yeæ{eves kesÀ yengle mes Ghee³eeW keÀes Deheveeves kesÀ Üeje Deej[yu³etS keÀes keÀce keÀjves kesÀ efueS he´³eemejle nw.
i. yeQkeÀ ves Dehevee O³eeve keÀe@heexjsì $eÝCe mes nìekeÀj jwce ( efjìsue, ke=Àef<e Deewj SceSmeSceF&) hej keWÀefêle efkeÀ³ee nw. nceeje keÀe@heexjsì heesì&HeÀesefue³eeW cee®e& 2019 ceW
31% nes ie³ee nw pees cee®e& 2018 ceW 37% Lee.
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ii. keÀe@heexjsì $eÝCe yener kesÀ mebyebOe ceW, yeQkeÀ yeeryeer Deewj efvecve cetu³eebefkeÀle GOeejkeÀlee&DeeW kesÀ SkeÌmeheespej ceW keÀceer ueeves kesÀ efueS DeeJeM³ekeÀ keÀoce Gþe jne nw,
keÌ³eeWefkeÀ FvekeÀer G®®e peesefKece Yeeefjlee nw. FmekesÀ heefjCeecemJeªhe yeeryeer Deewj efvecve cetu³eebefkeÀle GOeejkeÀlee&DeeW kesÀ efueS yeQkeÀ keÀe SkeÌmeheespej cee®e& 2018 ceW
kegÀue keÀe@heexjsì Deefieće kesÀ 44% mes keÀce neskeÀj cee®e& 2019 ceW 34% nes ie³ee.
iii. efjìsue Keb[ ceW, yeQkeÀ DeeJeeme $eÝCe, ieesu[ $eÝCe, Mewef#ekeÀ $eÝCe, meerpeerìerSceSmeF& Üeje ieejbìerke=Àle $eÝCe Fl³eeefo ceW SkeÌmeheespej yeæ{eves kesÀ Üeje efvecve
Deej[yu³etS hej O³eeve keWÀefêle keÀj jne nw.
iv. SveheerS KeeleeW kesÀ meceeOeeve keÀer Deesj keWÀefêle ¢eqäkeÀesCe Deheveeves kesÀ ceeO³ece mes, yeQkeÀ he³ee&hle Jemetueer Deewj Depe&keÀ Deeeqmle³eeW kesÀ efueS SveheerS kesÀ
Deheie´s[sMeve keÀes megefveeq½ele keÀjsiee pees efkeÀ heéJeOeeveeW ceW DeeJeM³ekeÀ heéfleuesKeve nesiee, efpemekesÀ ®eueles ìer³ej 1 hetbpeer ceW megOeej nesiee.
v. efJeÊeer³e Je<e& 2019-20 ceW nceeje O³eeve Gheepe&ve yeæ{eves kesÀ efueS iegCeJeÊeehetCe& Deefieće Deewj efveJesMe keÀes megjef#ele keÀjves kesÀ efueS keWÀefêle nesiee efpememes ìer³ej
1 hetbpeer ceW megOeej nesiee.
Jemetueer efJeYeeie
Devepe&keÀ Deeeqmle³eeW kesÀ heýevOeve kesÀ efueS yeQkeÀ ceW efJemle=le efoMeeefveoxMeeW mes ³egÊeÀ SkeÀ megheefjYeeef<ele Jemetueer veerefle ceewpeto nw. FmeceW SveheerS heýevOeve kesÀ meYeer #es$e,
efveiejeveer, DevegJeleea Ghee³e, mecePeewlee efveheìeve, mìeHeÀ peJeeyeosner, mejHesÀmeer DeefOeefve³ece, he´Jele&ve Jemetueer SpeWefme³eeW keÀer efve³egefÊeÀ, SDeejmeer keÀes Deeeqmle³eeW keÀer efye¬eÀer,
Fjeoleve ®etkeÀkeÀÊee& Meeefceue nw. DeLe&J³eJemLee ceW veJeervelece heefjJele&veeW/ieefleefJeefOe³eeW SJeb SveheerS efveheìeve/heýebOeve keÀer he´Je=efÊe³eeW Fl³eeefo keÀes meceeefnle keÀjves kesÀ efueS
Fme veerefle keÀer mece³e-mece³e hej meceer#ee keÀer peeleer nw. yeQkeÀ ves ®eewLeer efleceener ceW iewj efJeJeskeÀeOeerve Deewj iewj YesoYeeJehetCe& (Sve[erSve[er) SkeÀyeejieer mecePeewlee ³eespevee
(DeesìerSme) MegªDeele keÀer nw.
1. efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, ³eo³eefhe yeQkeÀ ves ` 5,718 keÀjesæ[ keÀer vekeÀo Jemetueer (yeÆs KeeleeW ceW ` 557 keÀjesæ[ keÀer Jemetueer Meeefceue nw) Deewj ` 567
keÀjesæ[ keÀe Dehie´s[Meve kegÀue efceueekeÀj ` 6,285 keÀjesæ[ keÀe megOeej efkeÀ³ee nw hejbleg G®®e jeefMe³eeW kesÀ veS KeeleeW (` 50 keÀjesæ[ SJeb DeefOekeÀ kesÀ kegÀue 27 Keeles
jeefMe ` 3,188 keÀjesæ[) kesÀ peg[ peeves mes keÀe³e& efve<heeove hej efJehejerle heÝeeJe heæ[e nw.
mekeÀue SveheerS keÀe mlej 31.03.2019 ceW IeìkeÀj ` 32,356 keÀjesæ[ nes ie³ee pees efkeÀ 31.03.2018 ceW ` 38,131 keÀjesæ[ Lee DeLee&le 31.03.2019
ceW ` 5,775 keÀjesæ[ keÀer keÀceer ngF& nw.
Meg× SveheerS 31.30.2019 ceW IeìkeÀj ` 11,333 keÀjesæ[ nes ie³ee pees efkeÀ 31.03.2018 keÀes ` 17,378 keÀjesæ[ Lee DeLee&le efoveebkeÀ 31.03.2019
keÀes 6,045 keÀjesæ[ keÀer keÀceer ngF& nw.
mekeÀue SveheerS heéfleMele Deewj Meg× SveheerS heéfleMele ceW keÀceer ngF& nw pees efkeÀ ¬eÀceMe: 21.48 % mes 19.29% Deewj 11.10% mes 7.73% nes ie³ee.
efJeÊeer³e Je<e& 2018 ceW ` 2,403 keÀjesæ[ keÀer leguevee ceW vekeÀo Jemetueer ceW he³ee&hle yeæ{eslejer neskeÀj efJeÊeer³e Je<e& 2019 ceW ` 5,161 keÀjesæ[ (114.77%) nes
ieF&.
efJeÊeer³e Je<e& 2018 ceW ` 410 keÀjesæ[ keÀer leguevee ceW yeÆs KeeleeW ceW vekeÀo Jemetueer ceW yeæ{eslejer neskeÀj efJeÊeer³e Je<e& 2019 ceW ` 557 keÀjesæ[ (35.85%) nes
ieF&.
2. efJeÊeer³e Je<e& 2018-19 ceW SkeÀcegMle mecePeewlee ³eespevee (DeesìerSme) DeejbYe keÀer ieF&. Fme ³eespevee keÀes De®íer heéfleef¬eÀ³ee efceueer Deewj Fme ³eespevee kesÀ Debleie&le yeæ[er
mebK³ee ceW SveheerS KeeleeW keÀe efveheìeve efkeÀ³ee ie³ee. efJeÊeer³e Je<e& 2018-19 ceW SkeÀcegMle mecePeewlee ³eespevee (DeesìerSme) kesÀ ceeO³ece mes ` 1,425.66 keÀjesæ[ keÀer
vekeÀo Jemetueer ngF&.
3. Je<e& kesÀ oewjeve yeQkeÀ ves Deeqmle Jemetueer kebÀheefve³eeW (SDeejmeer) keÀes 06 SveheerS Keeles 100% vekeÀo kesÀ Debleie&le eqmJeme ®egveewleer he×efle kesÀ Debleie&le yes®es ieS, efpemekesÀ
Debleie&le ` 1,405.55 keÀer SveheerS ceW vekeÀo Jemetueer ngF&, efpemekesÀ heefjCeecemJeªhe ` 3,618 keÀjesæ[ keÀer SveheerS ceW keÀceer ngF& SJeb ` 540.66 keÀjesæ[ kesÀ
heéJeOeeve keÀe heéfleuesKeve efkeÀ³ee ie³ee.
4. Je<e& 2018-19 ceW SveheerS KeeleeW ceW Jemetueer keÀes Del³eefOekeÀ cenlJe efo³ee ie³ee. nceejs keÀe³e&heeuekeÀeW Üeje owefvekeÀ DeeOeej hej SveheerS kesÀ meb®eeueve hej keÀ[er
efveiejeveer jKeer. meceer#ee yewþkeÀ kesÀ oewjeve keÀevetveer keÀej&JeeF& leLee mejHesÀmeer kesÀ Debleie&le keÀj&JeeF& kesÀ ceeO³ece mes SveheerS KeeleeW ceW Jemetueer keÀer efve³eefcele DeeOeej hej
meceer#ee keÀer ieF& Deewj #es$eer³e heýebOekeÀeW SJeb Deeb®eefuekeÀ heýebOekeÀeW mes ceeefmekeÀ DeeOeej hej efJeef[³ees keÀebvHe´sÀeEmeie keÀer ieF&.
5. ` 5.00 keÀjesæ[ mes Thej kesÀ meYeer SveheerS KeeleeW keÀer ®e®ee& HeÀeru[ HebÀkeÌMeveefj³eeW mes keÀer peeleer nw. leovegmeej DeeJeM³ekeÀ efoMeeefveoxMe peejer efkeÀS peeles nQ. #es$eer³e
heýebOekeÀes, Deeb®eefuekeÀ heýebOekeÀeW Üeje KeeleeW ceW Jemetueer keÀer keÀejJee&F& Megª keÀer peeleer nw. ceeefmekeÀ DeeOeej hej Dee³eesefpele efJeef[³ees keÀebHe´sÀeEmeie ceW SveheerS KeeleeW ceW
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ngF& heíeefle keÀer meceer#ee keÀer peeleer nw. Keeles efve³eefcele ªhe mes DevegJeleea keÀej&JeeF& kesÀ efueS kesÀvêer³e keÀe³ee&ue³e ceW Deeb®eefuekeÀ mecevJe³ekeÀ keÀes meewheW peeles nQ.
6. heéfleefove Jemetueer efMeefJej Dee³eesefpele efkeÀS peeles nQ Fve efMeefJejeW ceW yeÆs Keeles ceW Jemetueer keÀjvee Yeer DeefYe³eeve keÀe SkeÀ efnmmee nw.
7. Jemetueer heóMe&ve keÀes yesnlej yeveeves kesÀ efueS Deeeqmle Jemetueer MeeKeeDeeW (SDeejyeer) hej keÀ[er efveiejeveer jKeer pee jner nw.
8. #eskeÀe/DeebkeÀe leLee efJeefOe DeefOekeÀejer keÀer meef¬eÀ³e menYeeefielee mes efleceener DeeOeej hej efpeuee mlej hej efJeMes<e ueeskeÀ DeoeueleeW keÀe Dee³eespeve efkeÀ³ee peelee nw.
SveheerS heýebOeve kesÀ efueS keÀe³e& ³eespevee
SveheerS heýebOeve yeQkeÀ keÀe hećegKe HeÀeskeÀme #es$e nw. nceeje peesj vekeÀo Jemetueer, Deheie´s[sMeve, mecePeewlee efveheìeve Deewj Dev³e Jemetueer Ghee³eeW kesÀ ceeO³ece mes SveheerS ceW keÀceer
ueeves nsleg efvecveevegmeej nesiee :
SveheerS mlej keÀes keÀce keÀjves kesÀ efueS yeQkeÀ ves [erS 1, [erS 2, [erS 3, neefve Keeles SJeb ` 10 keÀjesæ[ lekeÀ kesÀ yekeÀe³ee jeefMe kesÀ meeLe heer[yu³etDees/ìer[yu³etDees
KeeleeW kesÀ efueS veS iewj efJeJeskeÀeOeerve/YesoYeeJejefnle (Sve[erSve[er) efJeMes<e DeesìerSme ³eespevee 2019-20 keÀe MegYeejcYe efkeÀ³ee nw.
meYeer SveheerS KeeleeW keÀes keÀJej keÀjles ngS DeesìerSme lejerkesÀ hej DeeOeeefjle Meg× Jele&ceeve cetu³e (SveheerJeer) hej Yeer HeÀeskeÀme jnsiee.
eqmJeme ®ewueWpe he×efle kesÀ Debleie&le SveheerS KeeleeW keÀer SDeejmeer keÀes efye¬eÀer.
SvemeerSueìer/DeeF&yeermeer 2016 kesÀ ceeO³ece mes ÒemleeJe
keÀpe& keÀer hegveme¥j®evee peneb FkeÀeF&³eeb J³eeJemeeef³ekeÀ ªhe mes J³eJene³e& nw.
Fme efJeÊeer³e Je<e& kesÀ oewjeve SveheerS KeeleeW ceW 50% keÀer keÀceer ueeves keÀe ue#³e nw.
yeÆs Keeles ceW Jemetueer hej peesj.
Fjeoleve ®etkeÀkeÀlee&DeeW/ iewj men³eesieer GOeejkeÀlee&DeeW kesÀ efJe©× Ghe³egÊeÀ keÀej&JeeF&.
mece³eye× lejerkesÀ mes [erDeejìer kesÀ ceeO³ece mes Jemetueer heéf¬eÀ³ee ceW lespeer ueevee.
efve³eefcele Deblejeue hej SveheerS meskeÌìesjue/heesì&HeÀesefue³eeW meceer#ee.
yeQkeÀeM³etjWme :
peerJeve yeercee kesÀ efueS peerJeve yeercee efveiece leLee iewj- peerJeve yeercee GlheeoeW kesÀ efueS ®eesuee Sce Sme pevejue FbM³eesjWme kebÀheveer keÀer keÀe@heexjsì Spesvmeer kesÀ lenle nceejs yeQkeÀ
Üeje yeercee mesJeeSB GheueyOe keÀjeF& pee jner nw.
efoveebkeÀ 31.03.2019 keÀes meceehle Je<e& ceW keÀe³e&efve<heeove keÀer hećegKe efJeefMeäleeSB efvecveevegmeej jneR :
peerJeve yeercee J³eJemee³e ceW, yeQkeÀ ves 20,883 hee@efueefme³eeB SJeb 176 keÀjesæ[ heérefce³ece mebieéfnle efkeÀ³ee nw.
meeOeejCe yeercee J³eJemee³e ceW, yeQkeÀ ves ` 74 keÀjesæ[ heérefce³ece meefnle 1,86,065 hee@efueefme³eeB mebieéfnle keÀer nQ.
yeQkeÀeM³etjWme J³eJemee³e mes kegÀue Dee³e ` 20.61 keÀjesæ[ keÀer ngF& nw.
Je<e& kesÀ oewjeve efJeefvee|oä J³eefÊeÀ³eeW (Smeheer) keÀer mebK³ee 140 yeæ{keÀj Deye yeQkeÀeM³etjWme J³eJemee³e keÀjves nsleg nceejs heeme 1,561 efJeefvee|oä J³eefÊeÀ nQ.
DeeF&Deej[erSDeeF& keÀer Deesheve DeekeÀeaìskeÌ®ej mkeÀerce kesÀ Debleie&le yeQkeÀ ves 4 ve³es yeercee meePesoej peesæ[s nQ. Deye yeQkeÀeM³etjWme J³eJemee³e nsleg yeQkeÀ keÀer efvecve FbM³egjWme
heeì&vej kesÀ meeLe ìeF&-Dehe J³eJemLee nw.
¬eÀ.meb. yeercee kebÀheveer keÀe veece ÞesCeer
1. Yeejleer³e peerJeve yeercee efveiece efueefceìs[ peerJeve yeercee
2. ìeìe SDeeF&S peerJeve yeercee kebÀheveer efueefceìs[ peerJeve yeercee
3. o v³et Fbef[³ee SM³egjWme kebÀheveer efueefceìs[ meeOeejCe yeercee
4. yepeepe DeueeSbpe pevejue FbM³egjWme kebÀheveer efueefceìs[ meeOeejCe yeercee
5. Deheesuees c³etefvekeÀ nsuLe FbM³egjWme kebÀheveer efueefceìs[ kesÀJeue mJeemL³e yeercee
41
ef[hee@efpeìjer mesJeeSb :
yeQkeÀ meWìûe ef[hee@efpeìjer mee|Jeme efueefceìs[ (meer[erSmeSue) kesÀ meeLe J³eJemLee kesÀ lenle SkeÀ ef[hee@efpeìjer menYeeieer nw. meYeer heefj®eeueve kesÀvêer³eke=Àle nw leLee HeÀesì& cegbyeF&
eqmLele vees[ue MeeKee hetBpeer yeepeej mesJee MeeKee Üeje ³es mesJeeSB heóeve keÀer pee jner nw. cegK³e keWÀêeW hej eqmLele MeeKeeSB Keeles Keesueves, Mes³ejeW keÀe ¬eÀ³e leLee efJe¬eÀ³e,
Mes³ejeW kesÀ yebOekeÀ leLee YeeweflekeÀ heéfleYetefle³eeW keÀes [ercewì keÀjves keÀer mesJee³eW heóeve keÀj jner nQ. yeQkeÀ kesÀ heeme keÀjerye 28585 [er-cewì Keelee OeejkeÀ nw.
kewÀefheìue ceekexÀì mesJee MeeKee, cegbyeF& Deemyee, [er-cewì, meceeMeesOeve yeQkeÀ, ueeYeebMe JeejbìeW keÀe Yegieleeve, yeéskeÀjeW keÀes $eÝCe / ieejbìer pewmeer hetbpeer yeepeej mebyebOeer megefJeOee³eW
heóeve keÀjleer nw. ³en [ercewì leLee Deemyee kesÀ efueS efve³eb$ekeÀ MeeKee Yeer nw.
met®evee heéwÐeesefiekeÀer
1. keÀesj yeQeEkeÀie meceeOeeve
efomecyej 2010 ceW yeQkeÀ ves Deheveer 100% MeeKeeDeeW keÀes kesÀvêer³eke=Àle yeQeEkeÀie meceeOeeve (meeryeerSme) ceW keÀJej keÀj efue³ee nw.
yeQkeÀ ves Glke=Àä heéwÐeesefiekeÀer yegefve³eeoer mebj®evee mLeeefhele keÀer nw SJeb ieénkeÀeW keÀes heefj®eeueveelcekeÀ o#elee SJeb lJeefjle mesJeeSb osvee megefveeq½ele keÀjves nsleg
J³eJemeeef³ekeÀ heéf¬eÀ³eeDeeW keÀes mJe®eeefuele efkeÀ³ee nw.
efJeÐeceeve keÀch³eteEìie mebmeeOeveeW pewmes ne[&Jes³ej, vesìJee\keÀie, mee@HeÌìJes³ej, megj#ee SJeb Dev³e mebyebefOele DeeJeM³ekeÀleeDeeW keÀes YeefJe<³e kesÀ J³eeJemeeef³ekeÀ hegJee&vegceeve
SJeb Dev³e meebefJeefOekeÀ SJeb megj#ee yeeO³eleeDeeW kesÀ Devegmeej GVe³eve / mebJeOe&ve efkeÀ³ee peelee nw.
yeQkeÀ Üeje SkeÀ Deeheoe heýebOeve keWÀê mLeeefhele efkeÀ³ee ie³ee nw leLee efve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej yeQkeÀ keÀer veerefle kesÀ Deveg©he efve³eefcele [erDeej ef[ûe keÀer
peeleer nw.
yeQkeÀ SJeb ieénkeÀ efnle megjef#ele jKeves nsleg veerefle³eeB SJeb heéf¬eÀ³eeSB ueeiet keÀer ieF& nQ.
J³eJemee³e efvejblejlee megefveeq½ele keÀjves nsleg yeQkeÀ ves Metv³e [eìe neefve meefnle efve³ej meeF&ì ef¬eÀ³eeeqvJele keÀer nw.
meeryeerSme ceW DeeJeM³ekeÀleevegmeej, efvejblej ve³eer keÀe³e&efJeefOe³eeb ef¬eÀ³eeeqvJele keÀer pee jner nw.
yeQkeÀ, mebieńCe (Yeb[ejCe) SJeb efve<heeove DevegketÀuelee nsleg meeryeerSme kesÀ [eìe mebieńCe keÀes ueeiet keÀjves keÀer heéf¬eÀ³ee ceW nQ.
2. vesìJeke&À leLee keÀveseqkeÌìefJeìer
yeQkeÀ keÀe keÀe@heexjsì vesìJeke&À 4732 mLeeveeW hej J³eehle nw efpeveceW MeeKeeSb, efJemleej heìue, SDeejyeer leLee he´MeemeefvekeÀ keÀe³ee&ue³e meeqcceefuele nQ.
yeQkeÀ ves J³eJene³e&lee SJeb DeeJeM³ekeÀlee kesÀ DeeOeej hej heéLeefcekeÀ DeLeJee yewkeÀDehe kesÀ leewj hej 2 SceyeerheerSme Jee³e[& / Jee³ejuesme eEuekeÀ / DeejSHeÀ / Jeermesì
eEuekeÀ Kejeroves nsleg keÀF& mesJee heóeleeDeeW mes ìeF&-Dehe efkeÀ³ee nw.
yeQkeÀ ves ueieYeie meYeer heéFcejer eEuekeÀ keÀes 2 SceyeerheerSme SJeb Gmemes DeefOekeÀ ceW Deheie´s[ keÀj efo³ee nw. kegÀue mLeeveeW ceW mes 78% hej yewkeÀDehe eEuekeÀ keÀes
512 kesÀyeerheerSme Deewj FmekesÀ Thej Deheie´s[ efkeÀ³ee ie³ee nw, efpemeceW 500+ yeerSmeSveSue Jeermewì, 500+ S³ejìsue Jeermewì SJeb 300+ ¿etieme Jeermewì
Meeefceue nQ.
yeQkeÀ, Mes<e 22% mLeeveeW hej G®®e yeQ[efJeLe yewkeÀDehe eEuekeÀ heóeve keÀjves SJeb ceewpetoe yewkeÀDehe Jeermewìdme keÀes yeoueves nsleg yeerSmeSveSue SueSue / 2
SceyeerheerSme DeejSHeÀ / 3peer / 4peer keÀer Kejero keÀer heéf¬eÀ³ee ceW nw.
MeeKee kesÀ keÀejesyeejer mece³e kesÀ oewjeve ueieYeie 100% DeheìeFce yeveeS jKeves nsleg ueieeleej efveiejeveer jKeer peeleer nw leLee efve³eb$eCe ueeiet efkeÀS ieS nw.
yeQkeÀ ves megj#ee yeæ{eves nsleg [ermeer Deewj [erDeej ceW veF& heeræ{er kesÀ hećeeefCele HeÀe@³ejJee@ue, Jesye ShueerkesÀMeve HeÀe@³ejJee@ue keÀer Kejero SJeb mLeehevee keÀer nw.
Glke=Àä vesìJeke&À FbvHe´Àemì^keÌ®ej keÀes yeæ{eves nsleg yeQkeÀ ves [ermeer SJeb [erDeej ceW ìe@he Dee@HeÀ jwkeÀ (ìerDeesheer) eqmJe®e, meJe&j uees[ yewueWmej, vesìJeke&À efyenwefJeDej
Sveeefueefmeme ìtue heéhle efkeÀ³es nw.
JewkeÀequhekeÀ ef[ueerJejer ®ewveue :
3. Fbìjvesì yeQeEkeÀie
yeQkeÀ keÀer Fbìjvesì yeQeEkeÀie megefJeOee nceejs keÀeheexjsì SJeb Kegoje ieénkeÀeW keÀes efJeefYeVe Dee@veueeFve mesJee heóeve keÀjleer nw. JesyemeeFì, megj#ee yeæ{eves nsleg
efJemleeefjle JewOelee kesÀ meeLe SmeSmeSue hećeeCehe$e SJeb ìerSueSme 1.2 heésìeskeÀeue keÀe Ghe³eesie keÀjleer nw.
Je<e& 2018-19 ceW peesæ[er ieF& veF& megefJeOeeSB –
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1. Fbìjvesì yeQeEkeÀie Deye meele Yee<eeDeeW, ³eLee Debie´speer, efnvoer, cejeþer, hebpeeyeer, iegpejeleer, yebieeueer SJeb keÀVeæ[ ceW GheueyOe nw.
2. Fbìjvesì yeQeEkeÀie keÀe Ghe³eesie keÀjles ngS ieénkeÀ Deye SveheermeerDeeF& F& - ceQ[sì nsleg hebpeerkeÀjCe SJeb mJe®eeefuele efve³eefcele YegieleeveeW keÀer J³eJemLee keÀj
mekeÀlee nw.
3. ieénkeÀeW keÀes Fbìjvesì yeQeEkeÀie nsleg Deheveer he´³eesiekeÀlee& DeeF&[er kesÀ ªhe ceW Deheves meerDeeF&SHeÀ vebyej keÀe Ghe³eesie keÀjvee DeeJeM³ekeÀ Lee. ieénkeÀeW keÀes Deye
Fbìjvesì yeQeEkeÀie nsleg meerDeeF&SHeÀ vebyej keÀer peien Deheveer ceve®eener he´³eesiekeÀlee& DeeF&[er mesì keÀjves nsleg SkeÀ veF& megefJeOee heóeve keÀer ieF& nw.
4. ieénkeÀ megj#ee ye{eves nsleg Dee@veueeFve heemeJe[& pesvejsMeve kesÀ efueS DeefOehećeeCeve keÀe otmeje IeìkeÀ he´mlegle efkeÀ³ee ie³ee nw.
Fbìjvesì yeQeEkeÀie megefJeOee Glheeo SJeb mesJeeDeeW keÀer SkeÀ Je=no Þe=bKeuee heóeve keÀj jner nw. FveceW Kegoje SJeb keÀe@heexjsì ieénkeÀeW nsleg Dee@veueeFve heemeJe[& yeveevee,
mJes®íe SJeb megefJeOee mes uesveosve nsleg ieénkeÀeW kesÀ efueS 2SHeÀS (Deesìerheer, efie´[ SJeb ef[efpeìue nmlee#ej) efJekeÀuhe osvee, efveefOe DeblejCe, Dee@veueeF&ve pecee efkeÀ³es
ie³es keÀj keÀes osKevee, GheYeesÊeÀe efyeueeW keÀe Yegieleeve, efJeefYeVe mejkeÀejeW nsleg keÀjeW keÀe Yegieleeve, S³ejueeF¥me / cetJeer efìkeÀìeW, Kejeroejer, cebefojeW keÀes oeve,
heÓeeveceb$eer jeäêr³e jenle keÀes<e kesÀ efueS oeve, efJeefYeVe mebmLeeDeeW / efJeéeefJeÐeeue³eeW keÀer HeÀerme keÀe Dee@veueeFve Yegieleeve, mejkeÀejer, F&-Yegieleeve / heéeqhle³eeB,
Keeles kesÀ efve³eefcele efJeJejCe kesÀ DeueeJee DeeJeM³ekeÀleevegªhe Keelee efJeJejCe, SveDeejF& / SveDeejDees peceeDeeW meefnle Dee@ve ueeFve meeJeefOe pecee, Fbìjvesì
yeQeEkeÀie Üeje Dee@veueeFve mee@Jejve ieesu[ yeeb[ nsleg DevegjesOe, Fbìjvesì yeQeEkeÀie kesÀ ceeO³ece mes keÀe[& keÀes me#ece, De#ece SJeb keÀe[& keÀer meercee efve³ebef$ele keÀjves
nsleg keÀe[& heýebOeve keÀer megefJeOee Fl³eeefo Meeefceue nQ.
keÀj Yegieleeve keÀer megefJeOee keÀe ueeYe uesves kesÀ efueS keÀeheexjsì ieénkeÀeW nsleg SkeÀ Deueie mecetn yevee³ee ie³ee nw. peeb®e SJeb men³eesie kesÀ GÎsM³e mes kesÀJeue osKeves
nsleg S[efceve keÀes DeefleefjÊeÀ megefJeOee heéjbYe keÀer ie³eer nw. Fbìjvesì yeQeEkeÀie Üeje G®®e cee$ee ceW keÀj mebieńCe keÀer megefJeOee osves nsleg meeryeer[erìer cee@[îetue keÀes ve³ee
ªhe efo³ee ie³ee nw, Fbìjvesì yeQeEkeÀie kesÀ ceeO³ece mes Dee@veueeFve keÀj mebień nsleg jepemLeeve Yegieleeve heesì&ue SJeb efyenej jep³e ì^spejer heesì&ue (meerìerSceDeeF&Sme)
kesÀ meeLe mecevJe³eve efkeÀ³ee ie³ee nw.
MeeKeeDeeW lekeÀ megefJeOee keÀer hengb®e meefnle DeeF&SceheerSme mesì-Dehe keÀe veJeerkeÀjCe.
DeeF&Deejmeerìermeer efìkeÀì yegeEkeÀie, Dee@ve ueeFve jsueJes ceeue heefjJenve yegeEkeÀie kesÀ efueS keÀesheexjsì ieénkeÀeW Üeje F-He´sÀì DeejìerpeerSme/ SveF&SHeÀìer Fl³eeefo
megefJeOeeSB Yeer yeQeEkeÀie Üeje GheueyOe nw leLee keÀe@heexjsì (iewj- J³eefÊeÀ) DeeF&Sveyeer ieénkeÀeW kesÀ efueS yeukeÀ Deheuees[ meefnle DeeF&SHeÀyeer kesÀ ceeO³ece mes
ieénkeÀeW keÀes 24X7 SveF&SHeÀìer keÀe³e&heĆeeueer Jele&ceeve ceW GheueyOe nw. Dee@veueeFve uesveosve he´mebmkeÀjCe megefJeOee keÀes êgleieeceer yeveeves kesÀ efueS ueeFìJesì
hesceWì hespe megefJeOee heéjbYe keÀer ieF& nw. keÀe@heexjsì ieénkeÀeW nsleg DeeJeM³eleevegªhe Keelee efJeJejCe keÀer DeefleefjÊeÀ megefJeOee GheueyOe nw. keÀe@heexjsì ieénkeÀ Deheveer
DeeJeM³ekeÀleevegmeej Fbìjvesì yeQeEkeÀie Ghe³eesie keÀjles mece³e efJeefYeVe efJekeÀuhe ®egve mekeÀles nQ.
Deesef[mee, efyenej mejkeÀej kesÀ keÀj leLee heÓeeveceb$eer jeäêr³e jenle keÀes<e ceW mebieńCe kesÀ efueS yeQkeÀ ves hesceWì Sieériesìj kesÀ ceeO³ece mes SkeÀ efyeukegÀue ve³ee cee@[ue
ueiee³ee nw efpemeceW 40 mes p³eeoe yeQkeÀeW kesÀ ieénkeÀ keÀj pecee keÀj mekeÀles nQ. yeQkeÀ ves efmeefJeue mesJee, KeeÐe ceb$eeue³e SJeb Dev³e F&-heerSDees nsleg Yeer Yegieleeve
he×efle keÀes keÀe³ee&eqvJele efkeÀ³ee nw.
Jew³eefÊeÀkeÀ DeeF&Sveyeer ieénkeÀeW keÀes henues mes ner GheueyOe mesJeeDeeW keÀer lejn Deye keÀe@heexjsì ieénkeÀeW keÀes Yeer kesÀJeue osKeves keÀer megefJeOee ³egÊeÀ DeeF&Sveyeer / keÀj
SJeb GheYeesÊeÀe efyeue Yegieleeve megefJeOee GheueyOe keÀje³eer pee mekeÀleer nw.
4. FbìjHesÀme :
nceejs yeQkeÀ mejkeÀejer YegieleeveeW keÀer heéf¬eÀ³ee nsleg heerSHeÀSceSme (ueeskeÀ efveefOe heýebOeve heĆeeueer) kesÀ meeLe pegæ[e ngDee nw. oes jep³eeW ceO³e heósMe SJeb cenejeä^
peneB nceeje yeQkeÀ ³eespeveeDeeW keÀe heé³eespekeÀ yeQkeÀ nw, JeneB ³en heĆeeueer cevejsiee he´l³e#e ueeYe DeblejCe keÀer heéf¬eÀ³ee nsleg he´³egÊeÀ keÀer peeleer nw.
efvecveefueefKele heefj³eespeveeDeeW kesÀ efueS ve³es FbìjHesÀme efJekeÀefmele efkeÀS ieS nwë
• oes jep³eeW ceO³e heósMe SJeb cenejeä^ peneB nceeje yeQkeÀ ³eespeveeDeeW keÀe heé³eespekeÀ yeQkeÀ nw nsleg heerSHeÀSceSme kesÀ ceeO³ece mes heÓeeveceb$eer efkeÀmeeve ³eespevee
ef¬eÀ³eeeqvJele keÀer ieF& nw
• HeÀerme efJeJejCe keÀes lelkeÀeue uesves SJeb MeeKeeDeeW ceW meHeÀueleehetJe&keÀ mebieńCe kesÀ he½eele DeÐeleve nsleg JesyemesJee keÀe he´³eesie keÀj ieénkeÀevegketÀue HeÀerme mebieńCe
cee[îetue. ³en cee@[îetue DeuheeJeefOekeÀ met®evee hej ve³es mebmLeeveeW keÀes peesæ[ves kesÀ efueS pesveefjkeÀ SheerDeeF& GheueyOe keÀjekeÀj mebmLeeveeW kesÀ Ghe³eesie SJeb
HeÀerme mebieńCe heéjbYe keÀjves nsleg keÀe@veefHeÀiej efkeÀ³ee pee mekeÀlee nw.
• yeme SkeÀ eqkeÌuekeÀ hej meeceeefpekeÀ v³ee³e efJeYeeie, ceO³e heósMe heWMeve he´mebmkeÀjCe - ³en ceO³e heósMe mejkeÀej keÀer heefj³eespevee nw efpemeceW 40 ueeKe
ueeYeee|Le³eeW keÀes SkeÀ yeej ceW ner heWMeve heóeve keÀer peeleer nQ.
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• nefj³eeCee meeceeefpekeÀ v³ee³e efJeYeeie heWMeve he´mebmkeÀjCe - Fme heefj³eespevee keÀe GÜsM³e nQ efkeÀ kesÀJeue SkeÀ HeÀeFue Deheuees[ keÀjves mes nceejs yeQkeÀ kesÀ
ueeYeee|Le³eeW keÀer jeefMe pecee nes pee³es.
• ieéce heb®ee³ele efJeYeeie ([erDeespeerheer), ceO³e heósMe – ieéce heb®ee³ele efJeYeeie keÀes yeQkeÀ heĆeeueer ceW meerOes he´mebmkeÀjCe nsleg ef[efpeìueer nmlee#eefjle HeÀeFue
keÀes Deheuees[ keÀjves keÀer megefJeOee GheueyOe keÀje³eer ie³eer nw. FmekesÀ DeefleefjÊeÀ Fmemes owefvekeÀ Keelee efJeJejCe efceuelee nw SJeb [erDeespeerheer mesìDehe DeÐeleve
neslee nw.
• jepemLeeve Yegieleeve heesì&ue (Deejheerheer): meerOes he´mebmkeÀjCe nsleg Deejheerheer keÀes yeQkeÀ heĆeeueer ceW ef[efpeìueer nmlee#eefjle HeÀeFue Deheuees[ keÀjves keÀer
megefJeOee GheueyOe keÀje³eer ie³eer nw.
• nceejs yeQkeÀ kesÀ SHeÀmeerDeejS KeeleeW kesÀ Keelee efJeJejCe efJeosMe ceb$eeue³e keÀes GheueyOe keÀje³ee pee jne nw.
• yeQkeÀ Keeles kesÀ Ghe³eesie mes F&Jeermeer : ieénkeÀ keÀer Keelee mebK³ee keÀe he´³eesie keÀjkesÀ Dee³ekeÀj efJeJejCeer HeÀe³eeEueie kesÀ FueskeÌìê@efvekeÀ mel³eeheve keÀer megefJeOee
efJekeÀefmele keÀer ie³eer nw.
5. F& cesue kesÀ ceeO³ece mes F& efJeJejCe
nceejs yeQkeÀ kesÀ ieénkeÀeW keÀes F&-cesue kesÀ ceeO³ece mes ef[efpeìueer nmlee#eefjle Keelee efJeJejCe he´sef<ele keÀjves kesÀ mesìDehe keÀes ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee nw. ³en
megefJeOee ieénkeÀeW kesÀ F&-cesue heleeW hej mJele: nmlee#ej SJeb heúesKe he´s<eCe Yeer GheueyOe keÀjeleer nw.
6. Sce-heemeyegkeÀ :
ieénkeÀeW nsleg ceesyeeF&ue DeeOeeefjle Sce-heemeyegkeÀ keÀes ietieue huesmìesj ceW nceejs ieénkeÀeW Üeje yengle mejene ie³ee nw.
7. SmeSceS – SveheerS ì^wkeÀj
efve³eefcele DeeOeej hej $eÝCe heesì&HeÀesefue³eeW keÀer yesnlej efveiejeveer keÀer Keelee meb®eeueve keÀer ì^weEkeÀie megefveeq½ele keÀjves kesÀ efueS HeÀeru[ ceW keÀe³e& keÀjves JeeueeW keÀer
megefJeOee nsleg nceejs yeQkeÀ ceW SmeSceS – SveheerS ì^wkeÀj meesu³etMeve ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee nw. Fme meesu³etMeve keÀes kesÀvêer³eke=Àle meJe&j hej efve³eesefpele efkeÀ³ee
ie³ee nw efpemehej ceesyeeFue She, [smkeÀìe@he / uewheìe@he / ìwyeuesì / HeÀesve mes hengb®e yeveeF& pee mekeÀleer nw. Fme Glheeo keÀes efHeÀVeesefJeìer heés[keÌì – 2019 SJeb
DeeF&yeerS hegjmkeÀej - 2019 Üeje veJeesvces<e Glheeo kesÀ ªhe ceW hegjmke=Àle efkeÀ³ee ie³ee nw.
8. Yeejle efyeue Yegieleeve heĆeeueer (yeeryeerheerSme)
³en efyeue Yegieleeve J³eJemee³e keÀer mecem³eeDeeW kesÀ meceeOeeve kesÀ efueS SveheermeerDeeF& keÀer SkeÀ veF& henue nw. nceejs yeQkeÀ keÀes Fme henue kesÀ Debleie&le SkeÀ meb®eeueve
FkeÀeF& kesÀ ªhe ceW menYeeefielee keÀjves nsleg efJeefve³eecekeÀ ueeFmeWme heéhle nw. FmekeÀe ef¬eÀ³eevJe³eve efkeÀ³ee pee jne nw. yeeryeerheerSme JesyemeeFì meHeÀueleehetJe&keÀ heéjbYe keÀj
oer ie³eer nw SJeb ³en Glheeo DeeF&Sveyeer leLee ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes he´mlegle efkeÀ³ee pee³esiee.
9. SmeSceSme yeQeEkeÀie / Deueì& :
SmeSceSme yeQeEkeÀie mesìDehe ieénkeÀeW keÀes GvekesÀ Üeje efkeÀS ieS J³eeJemeeef³ekeÀ uesveosve mebyebOeer lelkeÀeue Deueì& mes KeeleeW keÀer met®evee GvnW GheueyOe keÀjelee nw.
efve³eb$eCe SJeb efveiejeveer yeveeS jKeves kesÀ efueS MeeKee heýebOekeÀeW leLee G®®e DeefOekeÀeefj³eeW keÀes Yeer met®eveelcekeÀ SmeSceSme Yespes peeles nQ efpememes Jes SveheerS keÀer
efveiejeveer meefnle yesnlej neGmekeÀereEheie nsleg MeeKeeDeeW keÀer cenlJehetCe& ieefleefJeefOe³eeW keÀer efveiejeveer SJeb KeeleeW keÀer osKejsKe keÀe efve³eb$eCe leLee efve³eb$eCe keÀj mekeWÀ.
10. efcem[ keÀe@ue Sueì& :
³en megefJeOee nceejs keÀemee ieénkeÀeW kesÀ efueS GheueyOe nw, efpemekesÀ Üeje ieénkeÀ ¬eÀceMe: 9555244442 SJeb 9555144441 vebyej hej efcem[ keÀe@ue oskeÀj
Keeles ceW Mes<e jeefMe keÀer peevekeÀejer Deewj Debeflece leerve uesveosveeW keÀer efve:MegukeÀ peevekeÀejer keÀe SmeSceSme heéhle keÀjles nQ. ieénkeÀesvcegKeer Fme DeefYeveJe henue kesÀ
efueS nceW Yeejleer³e yeQkeÀ mebIe mes he´Mebmee heéhle ngF& nw.
SkeÀ ieénkeÀ kesÀ keÀF& KeeleeW nsleg Keelee Mes<e SJeb ueIeg efJeJejCe heóeve keÀjves nsleg Fme megefJeOee keÀe GVe³eve efkeÀ³ee ie³ee nw.
11. jeefMe yebOeve Üeje DeeJesove meceLe&ve (Deemyee) :
Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& ves kebÀheefve³eeW Üeje Mes³eme& kesÀ heéjbefYekeÀ meeJe&peefvekeÀ efveie&ce keÀer efJeÐeceeve heéf¬eÀ³ee keÀes meghe´Jeener yevee³ee nw Deewj ’jeefMe
yebOeve Üeje DeeJesove meceLe&ve“ (Demyee) veecekeÀ hetjkeÀ heéf¬eÀ³ee heéjbYe keÀer nw. nce Deheves meYeer ieénkeÀeW keÀes Demyee megefJeOee heóeve keÀjles nw. efpemekesÀ Üeje
efveJesMekeÀ GvekesÀ Keeles ceW DeeJesove jeefMe keÀes yebOekeÀ keÀjves leLee GmekesÀ he½eele Deeyebìve jeefMe he´sef<ele keÀjves kesÀ efue³es yeQkeÀ keÀes heéefOeke=Àle keÀj meeJe&peefvekeÀ
efveie&ce nsleg DeeJesove keÀj mekeÀles nQ. ³en megefJeOee Deemyee mecetnve SJeb F&-DeeF&heerDees kesÀ efueS Yeer efJemleeefjle keÀer ieF& nw.
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12. ceesyeeF&ue yeQeEkeÀie :

mesvì ceesyeeFue yeQkeÀ keÀe SkeÀ ceesyeeFue yeQeEkeÀie ShueerkesÀMeve nw. Ghe³eesiekeÀlee& ceesyeeFue kesÀ ceeO³ece mes keÀYeer Yeer Deewj keÀneR Yeer DeefOekeÀebMe yeQeEkeÀie mesJeeSb
heéhle keÀj mekeÀles nQ. mesvì ceesyeeFue Sb[êF[, Shheue (DeeF&DeesSme) SJeb yuewkeÀyesjer huesìHeÀeceeX hej GheueyOe nw. ³en mebyebefOele hues mìesj / She mìesj mes
[eGve uees[ efkeÀ³ee pee mekeÀlee nQ. efhe´-uee@efieve efJekeÀuhe meYeer kesÀ efueS GheueyOe nw heesmì uee@efieve efJekeÀuhe mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ ieénkeÀ SkeÀ yeejieer
hebpeerkeÀjCe heéf¬eÀ³ee hetCe& keÀjves kesÀ he½eele neefmeue keÀj mekeÀles nw.
mesvì ceesyeeFue ShueerkesÀMeve kesÀ ceeO³ece mes GheueyOe keÀe³e& efvecveefueefKele nQ :-
uee@efieve hetJe& efJekeÀuhe :
• MeeKeeDeeW kesÀ DeeF&SHeÀSmemeer keÀes[ meefnle keÀe³ee&ue³e helee, HeÀesve vebyej, F&-cesue helee, SceDeeF&meerDeej keÀes[, efhevekeÀes[, kesÀvêer³e keÀe³ee&ue³e /
Deeb®eefuekeÀ / #es$eer³e keÀe³ee&ue³eeW keÀe mecheke&À efJeJejCe.
• MeeKee SJeb SìerSce DeJeeqmLeefle - peerheerSme DeeOeeefjle ceesyeeFue nQ[mesì ceW efvekeÀìlece SìerSce DeLeJee MeeKeeDeeW keÀer met®eer. jep³e, efpeuee, kesÀvê
DeLeJee efheve keÀes[ DeeOeeefjle mecemle Yeejle ceW {tæ{ves keÀe efJekeÀuhe Yeer GheueyOe nw.
• SìerSce / MeeKee / he´MeemeefvekeÀ keÀe³ee&ue³e keÀer otjer SJeb [êFeEJeie nsleg ceeie&oMe&keÀ ceeveef®e$e.
• MeeKeeDeeW / he´MeemeefvekeÀ DeefOekeÀeefj³eeW / keÀe@ue meWìj kesÀ HeÀesve vebyej heóe|Mele keÀjves kesÀ efueS ì®e [e³eue.
• keÀe@heexjsì JesyemeeF&ì, DeefOekeÀeefjkeÀ meesMeue efceef[³ee he=ÿeW (HesÀmeyegkeÀ, ìdJeerìj)? F&-cesue heles nsleg eEuekeÀ.
• petce efJekeÀuhe meefnle yeQkeÀ Glheeo leLee mesJeeDeeW mebyebOeer met®evee yewvej.
• ye®ele Deewj efJeefYeVe heefjhekeÌJelee DeJeefOe³eeW nsleg meeJeefOe pecee hej y³eepe ojW.
• ®e³eefvele Kegoje $eÝCe ³eespeveeDeeW hej y³eepe ojW.
• SmeSceSme Üeje Keeles keÀer Mes<e jeefMe leLee efheíues kegÀí uesveosve peeveves nsleg ì®e [e³eue Üeje yeQkeÀ keÀer efcem[ keÀe@ue mesJee (Fme mesJee kesÀ efueS hebpeerke=Àle
ieénkeÀeW kesÀ efueS GheueyOe).
• ve³es Glheeo / he´mleeJe / ³eespeveeDeeW ceW mebMeesOeve Deeefo mebyebOeer lelkeÀeue DeefOemet®evee / Deueì&
• hećegKe Meyo DeeOeeefjle DekeÌmej hetís peeves Jeeues he´Mve Keespevee.
uee@efieve he½eele efJekeÀuhe :
• Keelee mebyebOeer efJeefMeäleeSB : Keelee Mes<e hetíleeí Keelee efJeJejCe, ueIeg efJeJejCe, mesvìûe yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ KeeleeW ceW efveefOe DeblejCe, SveF&SHeÀìer
kesÀ ceeO³ece mes Dev³e yeQkeÀ kesÀ KeeleeW ceW efveefOe DeblejCe, DeeF&SceheerSme kesÀ ceeO³ece mes Dev³e yeQkeÀ kesÀ KeeleeW ceW efveefOe DeblejCe, ®e³eefvele mebmLeeveeW keÀes
oeve SJeb veS meeJeefOe pecee (DeeJeleea,S[[erDeej SJeb SceSce[ermeer Keeles) Keeles Keesuevee.
• DevegjesOe : keÀe[& DeJeª× keÀjvee, ®eskeÀ yegkeÀ DevegjesOe, Yegieleeve jeskeÀves keÀe DevegjesOe, Yegieleeve jeskeÀ efvejmleerkeÀjCe keÀe DevegjesOe, ®eskeÀ eqmLeefle
hetíleeí, F&-cesue hej Keelee efJeJejCe heeves nsleg hebpeerkeÀjCe SJeb SveF&SHeÀìer / DeeF&SceheerSme eqmLeefle hetíleeí.
• mesvì ceesyeeFue ShueerkesÀMeve nsleg HeÀer[yewkeÀ / megPeeJe / jseEìie he´mlegle keÀjves keÀe efJekeÀuhe osvee.
• efyeue Yegieleeve mesJee : GheYeesÊeÀe efyeue Yegieleeve, ceesyeeFue / [erìerS®e efj®eepe&.
• ¬esÀef[ì keÀe[& mesJeeSB : mesvìûe yeQkeÀ keÀe[& mebyebOeer peevekeÀejer pewmes GheueyOe meercee, efyeue jeefMe, Mes<e jeefMe, Debeflece efyeue meejebMe, keÀe[& efJeJejCe,
efjJee[& hee@Fvì, mesvìûe keÀe[& mebheke&À efJeJejCe SJeb mesvìûe keÀe[& efyeue Yegieleeve SJeb ¬esÀef[ì keÀe[& DeJeª× keÀjves nsleg DevegjesOe.
keÀe[& efve³eb$eCe efJeefMeäleeSb :
ieénkeÀeW keÀes [sefyeì keÀe[& mebyebOeer efvecveefueefKele keÀe³e& keÀjves nsleg Fbìjvesì yeQeEkeÀie, ceesyeeFue yeQeEkeÀie SJeb meeryeerSme ceW keÀe[& efve³eb$eCe HeÀer®ej heéjbYe efkeÀ³ee ie³ee nwë
i)
[sefyeì keÀe[& efve³eb$eCe
• ceesyeeFue yeQeEkeÀie She ceW heéjbYe keÀer ie³eer [sefyeì keÀe[& efve³eb$eCe cee@[îetue ieénkeÀ keÀes ceesyeeFue yeQeEkeÀie mes [sefyeì keÀe[& mebyebOeer efvecve keÀe³e& keÀjves nsleg
meceLe& yeveelee nw:
• [sefyeì keÀe[& keÀe DemLeeF& efveuecyeve
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• efveueeqcyele [sefyeì keÀe[& keÀe hegveë meef¬eÀ³eve

• Iejsuet SJeb Debleje&äêr³e uesveosveeW kesÀ efueS F&-keÀe@ce /heerDeesSme Kejero nsleg [sefyeì keÀe[& owefvekeÀ meercee leLee SìerSce vekeÀo DeenjCe meercee keÀe efveOee&jCe
ii) ¬esÀef[ì keÀe[& efve³eb$eCe
• mesvì ceesyeeFue ShueerkesÀMeve ceW meceeefnle ¬esÀef[ì keÀe[& efve³eb$eCe cee@[îetue ceW efvecveefueefKele efJeMes<eleeSb nQ
• ¬esÀef[ì keÀe[eX keÀes osKevee.
• Iejsuet SJeb Debleje&äêr³e ¬esÀef[ì keÀe[eX keÀe DemLee³eer efveuebyeve.
• efveuebefyele Iejsuet SJeb Debleje&äêr³e ¬esÀef[ì keÀe[eX keÀes hegve:meef¬eÀ³e keÀjvee
• Iejsuet SJeb Debleje&äêr³e ¬esÀef[ì keÀe[eX keÀer F&-keÀe@ce SJeb heerDeesSme kesÀ efueS ceeefmekeÀ uesve osve meercee efveOee&efjle keÀjvee.
ceesyeeFue yeQeEkeÀie ShueerkesÀMeve ceW heéjbYe keÀer ieF& veF& efJeMes<eleeSB
• efveefOe DeblejCe nsleg ceesyeeFue hej SmeSceSme kesÀ DeefleefjÊeÀ F& cesue kesÀ ceeO³ece mes Deesìerheer Yespevee.
• ve³eer ShueerkesÀMeve ef[pee³eve efpemeceW efJemleeefjle ³etpej FbìjHesÀme leLee ¢eqä Deewj DevegYetefle nw
yengYee<eer efJekeÀuhe efo³ee ie³ee nw.
ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes ³etheerDeeF& efJekeÀuhe heóeve efkeÀ³ee ie³ee
meerefcele keÀe³eeX kesÀ meeLe veS mee@HeÌìJes³ej keÀe MegYeejbYe
meWì yeer Dees ìer - Dee@ve ueeFve mebJeeo ®ewì mene³ekeÀ
Yeejle efyeue Yegieleeve heĆeeueer (yeeryeerheerSme )
13. efkeÀDeesmkeÀ yeQeEkeÀie:
veieo pecee Mes<ejeefMe hetíleeí megefJe‍OeeDeeW kesÀ meeLe yeQkeÀ ves 254 mJeb³e mesJee efkeÀ‍DeesmkeÀ ceMeerveW mLeeefhele keÀer nw. FmekesÀ DeefleefjÊeÀ vekeÀo pecee, Mes<ejeefMe hetídleeí,
ueIeg efJeJejCe, heemeyegkeÀ efheéEìie, ®eskeÀ pecee leLee Fbìjvesì yeQeEkeÀie mesJee meefnle 407 ceuìer - HebÀkeÌMeve efkeÀ³eeskeÌme ceMeerveW mLeeefhele keÀer nw.
14. ³etveerHeÀeF[ hesceWì FbìjHesÀme (³etheerDeeF&) :
yeQkeÀ keÀe ³etveerHeÀeF[ Yegieleeve ShueerkesÀMeve (³etheerDeeF&) Yeerce mesvì ³etheerDeeF&, Sb[êS[ SJeb DeeF&DeesSme kesÀ efueS hues mìesj hej efvecveefueefKeleefJeMes<eleeDeeW kesÀ meeLe
GheueyOe nw :-
1. efvecveefueefKele kesÀ Ghe³eesie mes Oeve he´s<eCe
S. Je®eg&Deue hesceWì S[^sme (JeerheerS)
yeer. Keelee meb. SJeb DeeF&SHeÀSmemeer
meer. ceesyeeFue veb. SJeb SceSceDeeF&[er
[er. DeeOeej meb.
F&. keÌ³et Deej keÀes[
2. mebieńCe DevegjesOe he´sef<ele keÀj Oeve heéhle keÀjvee
3. yeQkeÀ KeeleeW kesÀ efueS Yegieleeve helee me=efpele keÀjvee
4. Deeoelee heýebOeve
5. Mes<e jeefMe hetíleeí
6. uesveosve Fefleneme
7. uesveosve eqmLeefle peevevee
8. efMekeÀe³ele he´mlegle keÀjvee
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9. Sce-efheve me=peve / heefjJele&ve

10. mebieńCe DevegjesOe kesÀ efueS met®evee
11. mebieńCe DevegjesOe keÀe Devegceesove
12. Deesìerheer keÀes mJele: Keespevee.
13. Deesìerheer keÀe hegve: he´s<eCe
14. ³etheerDeeF& ShueerkesÀMeve nsleg efnvoer Yee<ee keÀe efJekeÀuhe
15. ³etheerDeeF& kesÀ ceeO³ece mes Yeejle keÌ³et Deej keÀe mkewÀve SJeb Yegieleeve.
16. efJeefvee|oä DeJeefOe kesÀ efueS Ghe³eesiekeÀlee& keÀes JeerheerS yuee@keÀ efJekeÀuhe.
³etefveHeÀeF[ hesceWì FbìjHesÀme ceW he´mlegle veF& efJeMes<eleeSB
• ³etheerDeeF& 1.5 - hećeeCeerkeÀjCe kesÀ SkeÀ DeefleefjÊeÀ IeìkeÀ kesÀ ªhe ceW SìerSce efheve
• ³etheerDeeF& keÀe Ghe³eesie keÀjkesÀ J³eeheejer Yegieleeve kesÀ efueS Yeejle keÌ³etDeej keÀe SkeÀerkeÀjCe
• ³etheerDeeF& 2.0 peejerkeÀlee& ieénkeÀ hećeeCeve mecheVe. pees efvecveefueefKele megefJeOeeSB heóeve keÀjlee nw.
SkeÀ yeej DeeosMe me=peve, Demyee keÀe³e&heĆeeueer ceW Keb[ve keÀjvee Deewj efve<heeove keÀjvee.
efJeosMeer DeeJekeÀ he´s<eCe.
³etheerDeeF& ceW jsKeebefkeÀle Keeles kesÀ ªhe ceW DeesJej[êHeÌì Keeles lekeÀ hengB®e.
• SveheermeerDeeF& Üeje DevegMebefmele DeefveJee³e& megj#ee efve³eb$eCe keÀes ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee.
• ³etheerDeeF& kesÀ ceeO³ece mes DeeOeej DeeOeeefjle uesveosve heéfleyebefOele keÀjvee
• SkeÀ ner Keeles mes ³etheerDeeF& uesveosve keÀes heéfleyebefOele keÀjvee
15. Yeerce heéslmeenve ³eespevee

Yeejle mejkeÀej ves oes heéslmeenve ³eespeveeSB heéjbYe keÀer nQ DeLee&le S) J³eefÊeÀ³eeW kesÀ efueS jsHeÀjue yeesveme ³eespevee yeer) yeQkeÀ ceW keÀe³ee&eqvJele Yeerce ³etheerDeeF& kesÀ ceeO³ece mes
ef[efpeìue Yegieleeve kesÀ he´³eesie keÀes yeæ{eJee osves kesÀ efueS J³eJemeeef³e³eeW kesÀ efueS kewÀMe yewkeÀ ³eespevee.
Dev³e heefj³eespeveeSb
16. JesyemeeFì :
ieénkeÀeW keÀer DeeJeM³ekeÀleeDeeW keÀes mecePeles ngS, JesyemeeFì kesÀ heóMe&ve SJeb DevegYetefle ceW efvejlebj yeoueeJe efkeÀ³ee pee jne nw. ³en yesJemeeFì pecee KeeleeW SJeb
MeeKee ceW GheueyOe uee@keÀme& Fl³eeefo kesÀ Dee@veueeFve DeeJesove keÀer megefJeOee heóeve keÀjleer nw.
JesyemeeFì kesÀ ceeO³ece mes SceSmeSceF& $eÝCe kesÀ efueS Dee@ve ueeFve DeeJesove he´mlegle keÀjvee
ieénkeÀeW Fmehej Deheveer efMekeÀe³eleW Yeer ope& keÀj mekeÀles nw SJeb GmekeÀer eqmLeefle osKe mekeÀles nQ.
yeQkeÀ ves Deheveer DeeefOekeÀeefjkeÀ JesyemeeFì SJeb Fbìjvesì yeQeEkeÀie keÀer megj#ee keÀes megefveeq½ele keÀjves kesÀ efueS meYeer Ghee³e efkeÀS nQ. efleceener DeeOeej hej megj#ee
uesKee hejer#ee keÀer peeleer nw.
JesyemeeFì hej mceeì& hes kesÀ ceeO³ece mes ³etìerefueìer efyeue Yegieleeve eEuekeÀ.
ieénkeÀeW keÀer megefJeOee kesÀ efueS JesyemeeFì hej efJeefYeVe kesÀvoer³e/jep³e keÀj Yegieleeve eEuekeÀ GheueyOe nQ.
ieénkeÀeW nsleg megj#ee Ghee³e (Jeeref[³ees he´mlegefle)
ieénkeÀeW nsleg efJeefYeVe ítì he´mleeJe Jeeues efJe%eeheve
vesMeveue heWMeve mkeÀerce nsleg eEuekeÀ GheueyOe keÀjJee³ee ie³ee nw.
F& uesveosve heĆeeueer nsleg ieénkeÀeW keÀes DeÐeleve keÀjves nsleg efJeefYeVe Jeeref[³ees Deheuees[ efkeÀ³es peeles nQ.
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17. YeeefjyeQ Yegieleeve iesìJes heĆeeueer :

nceejs yeQkeÀ ceW SveF&SHeÀìer SJeb DeejìerpeerSme oesveeW ner mì^sì Le´t heésmeseEmeie (Smeìerheer) kesÀ Debleie&le nQ.
DeveskeÀ ueeYeee|Le³eeW keÀes SkeÀ meeLe efveefOe DeblejCe kesÀ efueS MeeKeeDeeW keÀes yeukeÀ SveF&SHeÀìer megefJeOee GheueyOe nw.
Dejsje efnue MeeKee (3312) Yeesheeue keÀes mejkeÀejer Kepeevee Keeles kesÀ ieénkeÀeW kesÀ efueS ®eskeÀ kesÀ ceeO³ece mes SveF&SHeÀìer yeukeÀ Deheuees[ Yeer heóeve efkeÀ³ee
peelee nw.
efjìsue leLee keÀe@heexjsì ieénkeÀeW keÀes Yeer Fbìjvesì yeQeEkeÀie heĆeeueer kesÀ ceeO³ece mes SveF&SHeÀìer/DeejìerpeerSme megefJeOee GheueyOe nw. leerve #es$eer³e ieéceerCe yeQkeÀeW keÀes
Yeer nceejs yeQkeÀ kesÀ Yegieleeve iesìJes kesÀ ceeO³ece mes SveF&SHeÀìer megefJeOee GheuyOe keÀjeF& ieF& nw. FmekesÀ DeefleefjÊeÀ yeQkeÀ ves Ghe-meom³elee J³eJemLee kesÀ Debleie&le
ceO³e heósMe kesÀ 40 menkeÀejer yeQkeÀeW keÀes Yeer SveF&SHeÀìer megefJeOee keÀe efJemleej efkeÀ³ee ie³ee nw.
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heéjbYe keÀjves kesÀ meeLe ner nceejs yeQkeÀ ceW veskeÌmì pesve DeejìerpeerSme (Svepeer- DeejìerpeerSme) meef¬eÀ³e keÀj efo³ee ie³ee.
veskeÌmì pesvejsMeve DeejìerpeerSme (Svepeer-DeejìerpeerSme) megefJeOee ceO³e heósMe kesÀ 39 Ghe meom³e menkeÀejer yeQkeÀeW keÀes Yeer GheueyOe keÀjJee³eer ie³eer nw.
Je®eg&Deue Keelee mebK³ee kesÀ DeeOeej hej efveefOe mebieńCe keÀer megefJeOee [er[erS, Suesve kewÀefj³ej Fbmìerìîetì SJeb Fbef[³ee ì^s[ hećeesMeve Dee@iexveeFpesMeve
(DeeF&ìerheerDees), meeF¥ yeeyee mesvìûe mketÀue SJeb vee@Le& cenejeä^ ³etefveJee|meìer keÀes GheueyOe keÀje³eer ie³eer nw.
18. ®eskeÀ ì^bkesÀMeve heĆeeueer (meerìerSme)
Yeejleer³e efjpeJe& yeQkeÀ kesÀ efveoxMeevegmeej efvecveefueefKele mLeeveeW hej ®eskeÀ ì^bkesÀMeve heĆeeueer (meerìerSme) meHeÀueleehetJe&keÀ keÀe³ee&eqvJele keÀer pee ®egkeÀer nw :
oef#eCe efie´[ ceW meerìerSme kesÀ efueS 211 ®e³eefvele keWÀê.
GÊej efie´[ ceW meerìerSme kesÀ efueS 155 ®e³eefvele keWÀê.
heeq½eceer efie´[ ceW 161 ®e³eefvele keWÀê.
19. keÀe@ue mesvìj :
yeQkeÀ ves efoveebkeÀ 6 pegueeF& 2011 keÀes keÀe@ue mesvìj keÀer mLeehevee keÀer nw leLee ³en megieceleehetJe&keÀ keÀe³e& keÀj jne nw
Jele&ceeve ceW keÀe@ue mesvìj Üeje efJeefYeVe mesJeeSB heóeve keÀer pee jner nQ. pewmes, yeQkeÀ kesÀ Glheeo leLee mesJeeDeeW keÀer met®evee, MeeKee/SìerSce ueeskesÀMeve keÀer met®evee,
y³eepe oj leLee mesJee heÝeejeW hej met®evee, Mes<e jeefMe hetídleeí, uesveosve peevekeÀejer, ®eskeÀ vebyej keÀer peevekeÀejer, [sefyeì keÀe[& keÀer ne@ì efueeÅmìie, ®eskeÀ kesÀ
Yegieleeve keÀes jeskeÀvee, y³eepe Dee|pele/y³eepe Yegieleeve keÀer peevekeÀejer, ìer[erSme peevekeÀejer, uesveosve efJeJejCe, peejer ³ee pecee efkeÀS ieS ®eskeÀ keÀer eqmLeefle,
meer[er/meermeer/Dees[er $eÝCe meercee SJeb y³eepe keÀer peevekeÀejer yeQkeÀ kesÀ ieénkeÀeW keÀer efMekeÀe³eleW efjkeÀe[& keÀjvee leLee Ghe³egÊeÀ mlej hej meceeOeeve nsleg GvnW yeQkeÀ
keÀer ieénkeÀ efMekeÀe³ele heĆeeueer ceW HeÀereE[ie keÀjvee. yeQkeÀ ves meYeer keÀe@ue mesvìjeW ceW meerDeejSce keÀe³ee&eqvJele efkeÀ³ee nw
ieénkeÀeW keÀer megefJeOee kesÀ efueS DeeF&JeerDeej heĆeeueer keÀe@ue mesvìj ceW keÀe³ee&eqvJele keÀer ie³eer nw
ieénkeÀeW keÀer yeæ{leer Dehes#eeDeeW keÀes osKeles ngS leLee Gve lekeÀ heÝeeJeer lejerkesÀ mes hengB®eves kesÀ GÎsM³e mes SkeÀ ve³ee keÀe@ue mesvìj mLeeefhele efkeÀ³ee ie³ee nw. he´mlegle
efkeÀS pee jns GlheeoeW kesÀ yeejs ceW peeie©keÀlee ueeves kesÀ efueS yeQkeÀ yeenjer keÀe@ue keÀj jne nw SJeb SmeSceS $eÝCeer³eeW keÀes Jemetueer nsleg mee@HeÌì keÀe@ue efkeÀS pee jns
nw
HeÀer[ yewkeÀ /ceeie&oMe&ve Glheeo peeie©keÀlee Fl³eeefo kesÀ efueS ieénkeÀeW keÀes yeenjer keÀe@ue keÀjves kesÀ efueS ueeFvedme yeæ{eves kesÀ efueS oes efJeefYeVe mesJee heóeleeDeeW mes
oes eEuekeÀ mebmLeeefhele keÀj efueS ieS nQ
ieénkeÀeW Üeje GþeF& ie³eer efJeefYevedve MebkeÀeDeeW kesÀ lJeefjle efveJeejCe kesÀ efueS keÀe@ue mesvìj kesÀ keÀe³e&heeuekeÀeW keÀes efJeefYeVe lekeÀveerkeÀer /heefj®eeueve ìerce Üeje
DeeJeefOekeÀ leewj hej heéfMe#eCe efo³ee pee jne nw
yeQkeÀ ves SkeÀ Del³eeOegefvekeÀ keÀe@ue mesvìj keÀes Deheie´s[ efkeÀ³ee nw, pees DeefOekeÀ meerìeW Jeeueer SJeb Deewj DeefOekeÀ keÀe³e&#es$e keÀes keÀJej keÀjsieer. Fme veS keÀe@ue meWìj
keÀe veb. 1800221911 nw SJeb FmekesÀ 90 ®ewveue nQ
20. eEmeieue [eìe efjheespeìjer (Sme[erDeej) :
yeQkeÀ ves eEmeieue [eìe efjhee@efpeìjer keÀer mLeehevee efkeÀ³ee nw, pees efkeÀ hetjs yeQkeÀ ceW met®evee/efjheesì& heóeve keÀjves keÀe SkeÀ ñeesle nesiee. ³en G®®e heýebOeve keÀes mel³eleehetCe&
efjheese\ìie kesÀ efJeefYeVe [wMeyees[&me GheueyOe keÀjeles ngS efjheese\ìie keÀer leejlec³elee megefveeq½ele keÀjsiee. efpememes efveCe&³e mene³elee heéf¬eÀ³ee ceW DeefYeJe=ef× nesieer. yeQkeÀ keÀe
mìsefìkeÀ SSueSce, ieefleMeerue SSueSce, efveefOe DeblejCe cetu³e efveOee&jCe, efJeMues<eCeelcekeÀ meerDeejSce leLee keÀe@heexjsì keÀe³e&efve<heeove heýebOeve (³eespevee SJeb yepeeEìie)
cee@[îetue, Sme[erDeej heefj³eespevee kesÀ Debleie&le keÀe³ee&eqvJele efkeÀS ieS nQ.
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21. GÐece mesJee yeme (Yegieleeve mecevJe³ekeÀ meceeOeeve)

keÀleej nesves kesÀ keÀejCe, Yegieleeve heéf¬eÀ³eeDeeW ceW osjer mes ye®eves kesÀ efueS #ecelee efvecee&Ce DeY³eeme efkeÀ³ee ie³ee nw Deewj mece³emeercee keÀes hetje keÀjves kesÀ efueS ceuìer
Le´s[ he´mebmkeÀjCe Megª efkeÀ³ee ie³ee nw. yeQkeÀ ves SkeÀ Yegieleeve Fbìerie´sìj meceeOeeve DeLee&le DeeF&yeerSce Fbìerie´sMeve yeme (IIB) ueeiet efkeÀ³ee pees efkeÀ efJeefYeVe yew®e
heésmeseEmeie HebÀkeÌMebme kesÀ heÝeeJeer keÀecekeÀepe kesÀ efueS keÀe³e& keÀjsiee pewmes FueskeÌìê@efvekeÀ eqkeÌue³eeEjie efmemìce (NECS), mejkeÀejer Yegieleeve (GEPG), heWMeve
heésmeseEmeie, Deewj F&SHeÀSceSme –Keelee mebK³ee DeeOeeefjle, efue³eve nìevee Deewj uesve-osve he´mebmkeÀjCe (ñeesle Sshe Ssmeyee ), Jesleve Deewj keÀce&®eeefj³eeW kesÀ Dev³e oeJeeW
kesÀ efueS S®eDeejSceSme SkeÀerkeÀjCe, FveJe[& eqmJeHeÀì cewmespe keÀe SkeÀerkeÀjCe (MT103), keÀesDee@hejsefìJe yeQkeÀ SveF&SHeÀìer, mheer[ jsefceìWme, SvepeerDeejìerpeerSme,
meerheerSmeSceSme - ef[efpeìue nmlee#ej mel³eeheve, hewve mel³eeheve (meeryeerSme ceW meerDeeF&SHeÀ me=peve keÀjles mece³e), F&-he´s<eCe (HeÌuewMe he´s<eCe), ì^spejer keÀe SkeÀerkeÀjCe,
[er[erS kesÀ efueS DeejìerpeerSme, DeeOeej DeeOeeefjle F&SHeÀSceSme, cevejsiee DeeOeej meereE[ie, meerìerSme, keÀesj yeQeEkeÀie efmemìce kesÀ meeLe meerSceSme,DeeF&SceheerSme,
³etefveHeÀeF[ hesceWì FbìjHesÀme, Ke]peevee, heerScepesyeerJee³e, efJeefYeVe jep³e mejkeÀejeW keÀer keÀu³eeCekeÀejer ³eespevee³eW Deeefo.
22. S®eDeejSceSme :
yeQkeÀ ves heerheguemee@HeÌì DeesjskeÀue meesu³egMeve kesÀ men³eesie mes veJeerve lekeÀveerkeÀ ³egÊeÀ S®eDeejSceSme meesu³egMeve (mJeohe&Ce) keÀe³ee&eqvJele efkeÀ³ee nw efpemeceW meYeer
keÀe³eeX pewmes Jesleve jefpemìj heýebOeve, oewje Devegceesove SJeb oeJee he´mebmkeÀjCe, SueSHeÀmeer keÀe heýebOeve, DeJekeÀeMe SJeb GheeqmLeefle he´Meemeve, keÀce&®eejer met®evee
heĆeeueer, mìeHeÀ $eÝCe he´mebmkeÀjCe, ef®eefkeÀlmee mene³elee keÀe heýebOeve, S®eDeej[er/efJeefOe efJeYeeie, DevegMeemeveelcekeÀ keÀe³e&Jeener heÝeeie ([erS[er), ie´s®³egìer
heýebOeve/Yegieleeve, YeefJe<³e efveefOe [eìe heýebOeve SJeb Yegieleeve, SveDeej[yu³et Yegieleeve he´mebmkeÀjCe, efjne³eMeer keÌJeeì&me& keÀe Deeyebìve, mecee®eej he$e heéflehete|le
efjheesì& (mìeHeÀ mebK³ee, hesjesue, HeÀece& 16 DeJekeÀeMe, ³etefve³eve, JesleveJe=ef× efjheesì&), heéfMe#eCe heýebOeve SJeb ceeveJe MeefÊeÀ heéfMe#eCe (Sceheerìer), efveJesMe, heoesVeefle
hejer#ee DeeJesove HeÀece&, Jeee|<ekeÀ keÀe³e&efve<heeove cetu³eebkeÀve HeÀe@ce& SJeb mecye× efjheesì&, yeérHeÀkesÀme, jpele pe³ebleer hegjmkeÀej heéflehete|le, HeÀveea®ej SJeb efHeÀkeÌm®ej,
DeefOekeÀeefj³eeW kesÀ mLeeveeblejCe, efkeÀje³ee heéflehete|le, JeerDeejSme Fl³eeefo keÀer megefJeOee S®eDeejSceSme ceW GheueyOe nw. FmekesÀ DeueeJee mJe³eb mesJee heýebOekeÀ keÀe
Ghe³eesie keÀjles ngS mìeHeÀ kesÀ efJeefYeVe oeJeeW, DevegjesOe keÀes Devegceesove DeefOekeÀejer mJeerke=Àle keÀjles nw.
S®eDeejSceSme ceW efÜYee<eer megefJeOee GheueyOe nQ
S®eDeejSceSme kesÀ efueS yeQkeÀ ves SkeÀ [erDeej mesì-Dehe mLeeefhele efkeÀ³ee nw.
23. Fve-neGme [sJeueheceWì
yeQkeÀ keÀer SkeÀ cepeyetle Fve-neGme mee@]HeÌìJes³ej [sJeueheceWì ìerce nw pees heÝeeJeer ªhe mes yeQkeÀ keÀer mee@]HeÌìJes³ej DeeJeM³ekeÀleeDeeW keÀes osKeleer nw, Fme he´keÀej peneB
Yeer mebYeJe nes, mee@]HeÌìJes³ej [sJeueheceWì ieefleefJeefOe³eeW keÀer DeeGìmeese\meie mes ye®eleer nw. 40 mes DeefOekeÀ heesì&ue efJekeÀefmele efkeÀS ieS nQ Deewj GvnW peerJeble yevee³ee
ie³ee nw. keÀF& heesì&ume keÀe Ghe³eesie MeeKeeDeeW mes [eìe mebień kesÀ efueS efkeÀ³ee peelee nw. Fve-neGme [sJeueheceWì ìerce Üeje efJekeÀefmele efkeÀS ieS hećegKe heesì&ue nQ:
• kesÀJeue keÀce&®eeefj³eeW kesÀ efueS - ³en heesì&ue efJeefYeVe efJeYeeieeW kesÀ heefjhe$e, efveoxMeeW kesÀ cewvegDeue, yeQkeÀ keÀer hećegKe veerefle³eeW meefnle ceeveJe mebmeeOeve, DeeF&ìer,
met®evee megj#ee, uesKee hejer#ee Deeefo keÀes heóe|Mele keÀjlee nw.
• SceDeesmeer keÀer Dee@veueeFve efjheese\ìie- MeeKeeDeeW ceW uesKee hejer#ekeÀeW Üeje peejer efkeÀS ieS SceDeesmeer keÀer efjheese\ìie kesÀ efueS heesì&ue.
• Fve-neGme [sJeueheceWì ìerce Üeje efJekeÀefmele ceesyeeFue SeqhuekesÀMeve - hejHeÀesjcewefì^keÌme, pees efkeÀ MeeKeeDeeW kesÀ Jele&ceeve, Debeflece efleceener, efheíues efJeÊe
Je<e& Deewj efheíues Je<e& kesÀ efJeefYeVe J³eeJemeeef³ekeÀ ceeheob[eW kesÀ DeebkeÀæ[eW keÀes heóe|Mele keÀjlee nw. FmekesÀ DeueeJee ef[efpeìue uesveosve ceW Je=ef×, SveheerS,
SmeSceDees Deeefo KeeleeW kesÀ yeejs ceW DeefOemet®evee keÀes oMee&lee nw. ³en ieénkeÀ keÀe ceesyeeFue vebyej oMee&lee nw leeefkeÀ MeeKee heýebOekeÀ ieénkeÀ mes Deemeeveer
mes mebheke&À keÀj mekesÀ.
• yeermeer kesÀ keÀceerMeve keÀer ieCevee kesÀ efueS heesì&ue - ³en heesì&ue efyepevesMe keÀjesmeheesv[svì kesÀ keÀceerMeve (efJeÊeer³e meceeJesMeve) keÀer ieCevee keÀjlee nw.
efvecve Fve-neGme keÀe³e&keÀueehe hetCe& efkeÀ³es ie³es
• meerScemeer efjheese\ìie kesÀ efueS Jesye heesì&ue
• OeesKeeOeæ[er efjheese\ìie Deewj efveiejeveer kesÀ efueS heesì&ue (efjìve& keÀe meceeheve)
• yeermeer kesÀ keÀceerMeve keÀer ieCevee kesÀ efueS heesì&ue
• hejHeÀesjcewefì^keÌme- DeeF&DeesSme mebmkeÀjCe
• [erDeejmeer ]HeÀeFue pesvejsMeve kesÀ efueS heesì&ue
• DeejSDeejDeesmeer kewÀuekeÌ³etuesìj
• meerDeej DevegjesOe kesÀ efueS Jesye heesì&ue
• MeeKeeDeeW Üeje Ghe³eesie veneR efkeÀ³es ie³es efJeosMeer cegêe SkeÌmeheespej (³et SHeÀ meer F&) keÀer efjheese\ìie kesÀ efueS heesì&ue
49
efJekeÀemeeOeerve heefj³eespeveeSB: -
• SF&heerSme keÀe efceueeve
• SmeDeeF&yeermeer [eìe mebieńCe kesÀ efueS heesì&ue
• heerSceSJeeF& kesÀ efueS Jesye heesì&ue
• DeebkeÀe/#es.keÀe mes Jeefjÿ DeefOekeÀeefj³eeW Üeje MeeKeeDeeW keÀer DeekeÀeqmcekeÀ peeb®e keÀer efjheese\ìie kesÀ efueS heesì&ue
• MeeKee megj#ee efJeJejCeeW keÀer efjheese\ìie kesÀ efueS heesì&ue
24. yeQkeÀ Üeje heé³eesefpele DeejDeejyeer:
yeQkeÀ Üeje 1632 MeeKeeDeeW Jeeueer 3 DeejDeejyeer keÀes heé³eesefpele efkeÀ³ee pee jne Lee. mejkeÀej keÀer DeefOemet®evee kesÀ Devegmeej, FveDeejDeejyeer ceW mes SkeÀ
meerSceheerpeeryeer keÀes, yeQkeÀ Dee@HeÀ Fbef[³ee Üeje heé³eesefpele SkeÀ Deewj DeejDeejyeer kesÀ meeLe efJeue³e efkeÀ³ee ie³ee nw. Dehe´wue 2019 lekeÀ he´MeemeefvekeÀ efJeue³e hetje nes
®egkeÀe nw Deewj vesìJeke&À ®egveewefle³eeW keÀes O³eeve ceW jKeles ngS ®ejCeye× lejerkesÀ mes lekeÀveerkeÀer ceeFie´sMeve Yeer efkeÀ³ee pee³esiee. meYeer MeeKeeSb keÀesj yeQeEkeÀie meceeOeeve kesÀ
Debleie&le nQ Deewj DeejDeejyeer keÀer heéwÐeesefiekeÀer henue keÀes , yeQkeÀ Üeje Megª keÀer ieF& henue kesÀ meceeve keÀjves keÀe he´³eeme efkeÀ³ee ie³ee nw. yeQkeÀ keÀer Deiemle 2020
lekeÀ keÀer DeeJeM³ekeÀleeDeeW keÀes hetje keÀjves kesÀ efueS hetjer heĆeeueer keÀes ve³ee ªhe efo³ee ie³ee nw. DeejDeejyeer kesÀ J³eJemee³e Je=ef× SJeb MeeKeeDeeW kesÀ efJemleej keÀer
heefjkeÀuhevee kesÀ meeLe veJeerveerkeÀjCe efkeÀ³ee ie³ee nw. Jele&ceeve ceW DeejDeejyeer keÀer MeeKee vesìJeke&À cegK³e ªhe mes HeÀerpesefyeuìer nesves hej yeerSmeSveSue hej DeeOeeefjle nw
Deewj Mes<e MeeKeeSB heéLeefcekeÀ ªhe ceW Jeermewì kesÀ meeLe keÀe³e& keÀj jner nQ.
heé³eespekeÀ yeQkeÀ keÀer meYeer lekeÀveerkeÀer henueeW keÀes ueeiet keÀjves kesÀ he´³eeme efkeÀS ieS nQ Deewj hećegKe henueW efvecveevegmeej nQ: -
• DeejDeejyeer ieénkeÀeW kesÀ efueS F&SceJeer ef®ehe DeeOeeefjle SìerSce keÀe[& keÀer megefJeOee
• DeejDeejyeer ceW SmeSceSme Deueì& keÀer Meg©Deele keÀer ieF&
• MeeKee meeryeerSme Ghe³eesiekeÀlee&DeeW kesÀ efueS yee³eescesefì^keÀ hećeeCeerkeÀjCe meceeOeeve keÀe veJeerveerkeÀjCe.
• ©hes [sefyeì keÀe[& kesÀ ceeO³ece mes heerDeesSme megefJeOee
• DeejDeejyeer keÀe J³eehekeÀ DeeF&Sme Dee@ef[ì hetje efkeÀ³ee ie³ee nw
• [eryeerìerSue/SmeerS®e keÀes meYeer 3 DeejDeejyeer ceW ueeiet efkeÀ³ee ie³ee nw
• cee³e¬eÀes SìerSce kesÀ ceeO³ece mes ©hes keÀe[& uesveosve keÀe keÀe³ee&vJe³eve.
• yeermeer eEyeog hej yeermeer Dees[er keÀe ceweEheie
• DeeF&SceheerSme keÀe keÀe³ee&vJe³eve
• meerkesÀJee³emeer keÀe keÀe³ee&vJe³eve
• F&-keÀe@ceme& keÀe keÀe³ee&vJe³eve
• DeejDeejyeermeeryeerSme keÀe veJeerkeÀjCe - meueenkeÀej keÀer efve³egefÊeÀ
• yeerDeesDeeF& kesÀ meeLe meerSceheerpeeryeer keÀe efJeue³e
• DeeOeej [eìe Jee@uì
• cesmeme& Fbìsieé JeW[j mes cesmeme& Del³eeefle ìskeÌveesuee@peerpe ceW heefjJele&ve nesves kesÀ he½eele SHeÀ DeeF& Fbìerie´sMeve
• cesmeme& efJeheés / peescyeé kesÀ meeLe SceSceSme veJeerveerkeÀjCe
25. efJeÊeer³e meceeJesMeer henue:
[eryeerìer ([e³ejskeÌì yesefveefHeÀì ìêbmeHeÀj) - iewme SpeWmeer mes meeqyme[er heeves Jeeues ieénkeÀeW kesÀ KeeleeW ceW ¬esÀef[ì Deewj mejkeÀej mes ueeYeeLeea KeeleeW ceW cevejsiee pewmes
¬esÀef[ì meHeÀueleehetJe&keÀ efkeÀS ieS Deewj nceeje yeQkeÀ cee®e&, 2019 kesÀ oewjeve meYeer heerSmeyeer ceW [eryeerìerSue efjìve& ceW keÀceer keÀjles ngS he´Lece mLeeve hej jne.
yeermeer keÀer hen®eeve kesÀ efueS mel³eeheve efpemekesÀ ceeO³ece mes uesveosve ngDee- SHeÀmeer ìe|ceveue DeeF&[er JewOelee
mebMeesOeve, nìevee , hetbíleeí efJekeÀuheeW kesÀ meeLe meeryeerSme ceW DeeOeej hećeeCeerkeÀjCe nsleg cesvet
Keelee mel³eeheve meeryeer[erìer kesÀ Devegmeej mebMeesefOele heéªhe
50
heerScepespesyeerJee³e Deewj heerSceSmeJee³e ³eespeveeDeeW ceW He´bÀì Sb[ veeceebkeÀve mebMeesOeve m¬eÀerve keÀer DeeJeM³ekeÀlee keÀes me#ece yeveevee
yeermeer hetjkeÀ efjheesì& Deewj DemeHeÀue uesveosve keÀe keÀejCe kesÀ meeLe mìesj keÀjles ng³es meeryeerSme keÀes DevegketÀue yeveevee
DeeOeej meereE[ie Fefleneme peeveves kesÀ efueS DeeOeej meereE[ie / ceskeÀj Sve ®eskeÀj Üeje ieénkeÀ KeeleeW kesÀ meeLe eEueeEkeÀie meeryeerSme ³etDeeF&[erS®e leeefuekeÀe ceW
DevegketÀefuele efkeÀ³ee ie³ee
2019 mes mebMeesefOele JeeefCeeqp³ekeÀ kesÀ efueS yeermeer keÀes keÀceerMeve kesÀ Yegieleeve kesÀ efueS efjheesì&.
meeryeerSme (hewjeceerìj m¬eÀerve) ceW Sef[Meve / ef[ueerì / FbkeÌJee³ejer efJekeÀuhe kesÀ meeLe SmeSmeS veece
peerDeeF&Sme (YeewieesefuekeÀ met®evee heĆeeueer) [eìe Dehe[sMeve
yeermeer eEyeog hej SmeS®epeer oesnjer hećeeCeerkeÀjCe ueeiet efkeÀ³ee peevee
hegjeves yeer meer mes veS yeer meer keÀes J³eeheej DeblejCe
heerScepespesyeerJeeF& Deewj heerSceSmeyeerJeeF& keÀe yeermeer eEyeog hej veeceebkeÀve me#ece yeveevee
meeryeerSme ceW DemeHeÀue uesveosve keÀes mìesj keÀjvee SJeb me#ece yeveevee
SheerJeeF& heWMeve jeefMe keÀes MeeKeeDeeW ceW Deheie´s[ SJeb [eGveie´s[ keÀjves keÀer megefJeOee GheueyedOe keÀjeF& ieF&.
SmeSmeSme (meeceeefpekeÀ megj#ee ³eespeveeDeeW) kesÀ lenle heerScepes[erJeeF& Dees[er KeeleeW ceW SheerJee³e, heerScepespesyeerJee³e Deewj heerSceSmeyeerJee³e kesÀ FvejesueceWvì keÀer
megefJeOee GheueyedOe keÀjevee
SveDeejF& KeeleeW ceW efJeÊeer³e uesveosve keÀes DeJe©× efkeÀ³ee ie³ee.
26. DeeF&ìer ieJeveXmeë
yeQkeÀ ceW DeeF&ìer keÀe³e& veerefle SJeb DeeF&ìer peesefKece heýebOeve meefceefle keÀe ieþve keÀjkesÀ yeQkeÀ ceW DeeF&ìer ieJeveXme kesÀ efueS DeeJeM³ekeÀ mebj®evee lew³eej keÀer ieF& nw.
met®evee heéwÐeesefiekeÀer veerefle kesÀ mebmkeÀjCe 1.45 keÀes yees[& Üeje Devegceesefole SJeb Debieerke=Àle efkeÀ³ee ie³ee Lee. DeeF&ìer keÀe mebieþveelcekeÀ {eb®ee yeQkeÀ Üeje keÀer pee
jner J³eJemeeef³ekeÀ ieefleefJeefOe³eeW kesÀ DeekeÀej, hećeeCe SJeb he´ke=Àefle kesÀ Devegªhe leLee J³eeJemeeef³ekeÀ heefj®eeueve kesÀ efueS met®evee heĆeeueer Üeje GheueyOe keÀje³es
ieS Devlee|veefnle meceLe&ve kesÀ Devegªhe nesvee ®eeefnS. DeeF&ìer mebieþveelcekeÀ mebj®evee kesÀ hećegKe keÀe³e&#es$eeW ceW ’lekeÀveerkeÀ SJeb efJekeÀeme’, ’DeeF&ìerheefj®eeueve’,
’DeeF&ìerSM³eesjWme“ SJeb ’DeeHetefle&keÀlee&“ ’ve³ee mebmeeOeve heýebOeve“ Meeefceue neWies. DeeF&ìer efJeYeeie Ghe ceneheýebOekeÀ pewmes G®®e keÀe³e&heeuekeÀ keÀer ÞesCeer kesÀ
DeefOekeÀejer SJeb GvekesÀ men³eesie nsleg mene³ekeÀ ceneheýebOekeÀes Üeje meb®eeefuele nesvee ®eeefnS. DeeF&ìer efJeYeeie keÀe he´l³eskeÀ Jee|ìkeÀue mecegef®ele ªhe mes DevegYeJeer
SJeb heéfMeef#ele Jeefjÿ DeefOekeÀeefj³eeW, Üeje meb®eeefuele nesvee ®eeefnS.
yesnlej heýebOeve nsleg yeQkeÀ Üeje hew®e heýebOeve veerefle, mJeerkeÀe³e& Ghe³eesie veerefle, ve]keÀue jesOeer veerefle, FueskeÌìê@efvekeÀ iewpesì SJeb DeeF&ìer ne[&Jes³ej veerefle, ne[&Jes³ej
efveheìeve veerefle,[eìe DeblejCe veerefle keÀes Debieerke=Àle efkeÀ³ee ie³ee nw.
DeeF& ìer keÀe³e&veerefle meefceefle keÀer meueen kesÀ Devegmeej , meblegefuele mkeÀesj keÀe[& efve³eefcele ªhe mes lew³eej keÀj GmekeÀe he´mlegleerkeÀjCe efkeÀ³ee pee jne nw leLee
DeeF& ìer heefj³eespeveeDeeW kesÀ efJeefYevve hewjeceerìjeW kesÀ Debleie&le keÀe³e&efve<heeove keÀer jseEìie keÀer pee jner nw.
27. met®evee megj#eeë
yeQkeÀ keÀe [eìe kesÀvê ([ermeer) Deewj Deeheoe hegvemLee&heve kesÀvê ([erDeejmeer) DeeF&SmeDees 27001:2013 DeeF&SmeSceSme ceevekeÀeW SJeb DeeF&SmeDees
22301:2012 yeermeerSceSme ceevekeÀeW mes hećeeefCele nw.
megj#ee meblegueve mkeÀesj keÀe[& keÀer DeJeOeejCee kesÀ ceeO³ece mes efJeefYeVe met®evee megj#ee efve³eb$eCeeW/ieefleefJeefOe³eeW keÀer heÝeeefJelee efleceener DeeOeej hej ceeheer peeleer nw.
DeeF&[erDeejyeerìer Üeje Dee³eesefpele meeFyej ef[ûe ceW efve³eefcele ªhe mes menYeeefielee keÀer pee jner nw.
yeQkeÀ ceW efJeefYeVe heĆeeefue³eeW kesÀ efJeefMeä Ghe³eesiekeÀlee&DeeW keÀer ieefleefJeefOe³eeW keÀes J³eJeeqmLele keÀjves kesÀ efueS efJeefMeä hen®eeve heýebOeve meceeOeeve (heerDeeF&Sce)
ef¬eÀ³eeeqvJele keÀj efo³ee ie³ee nw.
ieénkeÀeW kesÀ meeLe meeLe mìeHeÀ kesÀ efueS megj#ee peeie©keÀlee henueW efve³eefcele DeeOeej hej keÀer pee jner nQ.
yeQkeÀeW ceW meeFyej megj#ee {eb®ee kesÀ mebyebOe ceW Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMe SJeb yeQeEkeÀie GÐeesie ceW J³eehle he´LeeDeeW kesÀ Devegªhe yeQkeÀ keÀer meeFyej megj#ee
keÀer eqmLeefle keÀes cepeyetle keÀjves kesÀ efueS DeeJeM³ekeÀ keÀoce megefveeq½ele efkeÀS ieS nQ.
51
kewÀheefìJe DeeOeej hej meeFyej megj#ee Dee@hejsMeve meWìj (C-SOC) keÀer mLeehevee.
efJeefYeVe GVele megj#ee meceeOeeveeW keÀe keÀe³ee&vJe³eve Megª efkeÀ³ee peevee.
yeQkeÀ kesÀ efueS meeFyej yeercee hee@efuemeer Kejeroves kesÀ efueS keÀe³e&JeeF& heéjcYe keÀer peevee.
cenlJehetCe& DeeF&ìer DeJemebj®evee / Deveghe´³eesieeW keÀe le=leer³e he#e kesÀ ceeO³ece mes efve³eefcele megj#ee uesKee hejer#ee.
28. meeryeerSme ³etpeme& (mìeHeÀ) kesÀ efueS yee³eesceerefì^keÀ DeefOehećeeCeveë
DeefleefjkeÌle megj#ee Ghee³e kesÀ leewj hej meeryeerSme ceW uee@ieF&ve keÀjles mece³e, yeQkeÀ ves yee³eesceerefì^keÀ DeefYehećeeCeve heĆeeueer (yeerSSme) keÀe keÀe³ee&vJe³eve hetCe& keÀjkesÀ,
yeQkeÀ ves oes HewÀkeÌìj DeefOehećeeCeve mecee|Lele efkeÀS nQ.
meYeer MeeKeeSb Deewj keÀe³ee&ue³e yee³eesceerefì^keÀ DeefOehećeeCeve mecee|Lele nQ Deewj meYeer uesveosve ³eesi³e Ghe³eesiekeÀlee&DeeW keÀes yee³eesceerefì^keÀ hećeeCeerkeÀjCe kesÀ ceeO³ece
mes meeryeerSme ceW uee@efieve keÀjvee DeefveJee³e& yevee³ee ie³ee nw.
29. peerJeve hećeeCe
heWMevejeW kesÀ ef[efpeìue peerJeve hećeeCehe$e kesÀ me=peve nsleg nceejs yeQkeÀ kesÀ meYeer #es$eer³e/Deeb®eefuekeÀ/MeeKeeDeeW ceW peerJeve hećeeCe ShueerkesÀMeve Fbmìe@ue efkeÀ³ee ie³ee nw. keWÀê
mejkeÀej/mesvee/jep³e mejkeÀej kesÀ heWMeveme& efkeÀmeer Yeer Deeb®eefuekeÀ keÀe³ee&ue³e/#es$eer³e keÀe³ee&ue³e/MeeKee mes ef[efpeìue peerJeve hećeeCehe$e kesÀ efueS hebpeerkeÀjCe keÀj mekeÀles nQ.
30. keWÀêerke=Àle $eÝCe cetu³eebkeÀve heĆeeueer SJeb he³e&Jes#eCe (keÌueeme) :
efjìsue, ke=Àef<e, SceSmeSceF& SJeb keÀe@heexjsì cee@[îetue kesÀ meeLe efveiejeveer cee@[îetue kesÀ meeLe keÌueeme ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee nw.
Fme heĆeeueer kesÀ ueeiet keÀjves mes $eÝCeeW keÀer mJeerke=Àefle kesÀ efve³eceeW keÀes ueeiet keÀjvee Deemeeve nes ie³ee nw leLee meYeer MeeKeeDeeW ceW SkeÀmeceeve heéf¬eÀ³ee ueeiet nes ieF&
nw.
Jele&ceeve ceW, Fme mee@HeÌìJesj keÀe Ghe³eesie meYeer MeeKeeDeeW kesÀ Üeje efjìsue $eÝCeeW SJeb meerkesÀmeermeer (ke=Àef<e HeÀmeue $eÝCe) Fl³eeefo kesÀ Debleie&le $eÝCe DeeJesove he´Jele&
keÀjves ceW kesÀJeue keÌueeme Üeje efkeÀ³ee peelee nw SJeb meeryeerSme Üeje veneR efkeÀ³ee peelee. efjìsue $eÝCe DeeJesoveeW keÀes Fme mee@HeÌìJesDej keÀer mene³elee mes Dee@bveueeF&ve
he´s<eCe keÀjves keÀer megefJeOee GheueyOe nw.
Fvìjvesì hej Fme mee@HeÌìJesj kesÀ Üeje $eÝCe DeeJesoveeW keÀer Dee@veueeFve SJeb Dee@HeÀueeFve peevekeÀejer kesÀ efueS Yeer ³en megefJeOee GheueyOe nw.
neue ner ceW Mew#eefCekeÀ $eÝCeeW kesÀ efueS he´mlegle efkeÀ³ee ie³ee SveSme[erSue efJeÐeeue#ceer heesì&ue henues mes ner keÌueeme mes mecye× keÀj efo³ee ie³ee nw SJeb
SveSme[erSue heesì&ue kesÀ mJe®eueve kesÀ ®ejCe oes keÀe keÀe³ee&vJe³eve nes ®egkeÀe nw SJeb ³en MeeKeeDeeW kesÀ he´³eesie ceW nw.
Fme mee@HeÌìJesj ceW Yeejleer³e efjpeJe& yeQkeÀ keÀer $eÝCe ®etkeÀkeÀlee& met®eer heóe|Mele keÀjves keÀer #ecelee nw SJeb SveheerS cee@[îetue hejer#eCeeOeerve nw.
Deveghe´³eesie, efce[ue Jes³ej, ne[&Jes³ej SJeb ueeFmeWmeeW kesÀ efueS heeb®e Je<eea³e mecesefkeÀle SScemeer/SìerSme Jesv[j mes yeele®eerle SJeb DeejSHeÀheer kesÀ ceeOed³ece mes
efve<heeefole efkeÀ³ee pee ®egkeÀe nw.
keÀF& ve³eer keÀe³e&#eceleeSb heéf¬eÀ³eeOeerve nQ SJeb Ghe³eesiekeÀlee& efJeYeeie mes DeeJeM³ekeÀlee kesÀ DeeOeej hej efve³eefcele ªhe mes keÀe³ee&vJeefle efkeÀ³ee peeSiee
yesnlej efve<heeove nsleg keÌueeme [eìeyesme keÀes DeesjskeÀue ceW ceeF&ie´sì efkeÀ³ee ie³ee nw.
31. mejue ìer[erSme Jesye ShueerkesÀMeve :
efoveebkeÀ 06.10.2015 keÀes keWÀêerke=Àle F&-ìer[erSme heýebOeve meesu³etMeve ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee Lee. pees efkeÀ ìer[erSme meche´s<eCe kesÀ efueS ceeefmekeÀ Dee³ekeÀj ®eeueeve
keÀe me=peve SJeb DeeF&ìer efJeJejCeer HeÀeFue keÀjves ceW mene³ekeÀ nw.
32. vekeÀo heýebOeve heĆeeueer (meerSceSme):
efoveebkeÀ 01.01.2015 keÀes vekeÀoer heýebOeve heĆeeueer ef¬eÀ³eeeqvJele keÀer ie³eer Leer pees lejuelee, Keelee Mes<e, Yegieleeve SJeb vekeÀoer heýebOeve keÀe³e& heýebefOele keÀjves ceW
keÀe@heexjì ieénkeÀeW kesÀ efueS mene³ekeÀ nw. Fme ShueerkesÀMeve kesÀ oes hećegKe cee@[îetue nw DeLee&le Yegieleeve SJeb mebieńCe.
33. Oeve-MeesOeve efveJeejCe (SSceSue):
efoveebkeÀ 15.06.2015 keÀes Sceuee@keÀ ShueerkesÀMeve ef¬eÀ³eeeqvJele keÀer ie³eer Leer pees efkeÀ (efJeÊeer³e DevJes<eCe FkeÀeF&), SHeÀDeeF&³et keÀes he´mlegle keÀer peeves Jeeueer DeefveJee³e&
efjheesìX (owefvekeÀ/ceeefmekeÀ) ³eLee SmeìerDeej, meerìerDeej, SveìerDeej, meermeerDeej, SJeb meeryeer[yu³etDeej Fl³eeefo me=efpele keÀjves ceW mene³ekeÀ nw.
52
34. efJeefJeOe heefj³eespeveeSb:

mecesefkeÀle peesefKece heýebOeve heĆeeueer keÀe ef¬eÀ³eevJe³eve
OeesKeeOeæ[er peesefKece heýebOeve efmemìce keÀe ef¬eÀ³eevJe³eve
omleeJespe heýevOeve heĆeeueer ([erSceSme) kesÀ ef¬eÀ³eevJe³eve mes omleeJespeeW kesÀ ef[efpeìueerkeÀjCe efkeÀ³ee peevee
cesue cewmeseEpeie heĆeeueer SJeb Jeer[erDees keÀe@vHe´sÀeEmeie
DeeF&ìer mebyebOeer efJeÐeceeve veerefle³eeW keÀer meceer#ee
keÀeheexjsì DeeF&Sveyeer ieénkeÀeW kesÀ efueS ef[efpeìue nmlee#ej keÀe keÀe³ee&vJe³eve
ceeF¬eÀesmee@HeÌì Dee@efHeÀme pewmes ueeFmeWmeMegoe GlheeoeW kesÀ Ghe³eesie keÀe efve³eceve
[sefyeì keÀe[eX kesÀ efueS DeefOehećeeCeve kesÀ efueS otmejs IeìkeÀ kesÀ ªhe ceW Deesìerheer keÀe keÀe³ee&vJe³eve
Jeeref[³ees keÀe@vHe´sÀeEmeie megefJeOee keÀe J³eehekeÀ he´³eesie efpemes yeQkeÀ kesÀ keÀeheexjsì vesìJeke&À, Fbìjvesì SJeb DeeF&hew[ hej GheueyOe keÀje³ee peevee
Fme DeJeefOe kesÀ oewjeve heéhle meYeer efJeefve³eecekeÀ Dehes#eeDeeW keÀe Devegheeueve
Dee@HeÀ meeFì efveiejeveer nsleg uesKee hejer#ee efJeYeeie keÀes 90 Dee@HeÀ meeFì efveiejeveer Deueì& hetJe& ceW heóeve efkeÀ³es pee ®egkesÀ nQ.
35. eqmJeHeÌì
eqmJeHeÌì keÀe he´³eesie kesÀJeue meerceeheej uesveosve kesÀ efueS efkeÀ³ee peelee nw. peye keÀYeer Yeer meerceeheej cegêe keÀe uesve osve neslee nw HeÀesjskeÌme MeeKeeSb eqmJeHeÌì ceW ner
uesve osve keÀjleer nQ. mìsv[[& cewmeseEpeie efmemìce efpemeceW eqmJeHeÌì huesìHeÀece& kesÀ ceeO³ece mes mebosMe he´sef<ele / heéhle efkeÀ³ee peelee nw SJeb veesm$ees / Jeesm$ees Keelee mlej
hej efveheìeve efkeÀ³ee peelee nw. eqmJeHeÌì mebosMe keÀF& he´keÀej kesÀ nesles nQ SJeb he´l³eskeÀ Deueie GoosM³e kesÀ efueS nesles nQ.
meercee heej he´s<eCe kesÀ efueS 31/03/2019 keÀes nceejs yeQkeÀ ceW 72 MeeKeeDeeW ceW eqmJeHeÌì me#ece nw. eqmJeHeÌì efmemìce keÀes kesÀJeue Fve 72 MeeKeeDeeW ceW éeslemet®eer
heermeer mes SkeÌmesme efkeÀ³ee pee mekeÀlee nw.
eqmJeHeÌì SeqhuekesÀMeve keÀe Ghe³eesie kesÀJeue éeslemet®eer Jeeues DeeF&heer mes efue³ee pee mekeÀlee nw, efpemeceW kesÀJeue hen®eeve efkeÀS ieS Ghe³eesiekeÀlee& Üeje 2 keÀejkeÀ
hećeeCeerkeÀjCe keÀe Ghe³eesie efkeÀ³ee ie³ee nes.
DeeF&yeerSce mebosMe keÌ³egFbie keÀe Ghe³eesie keÀjles ng³es DeeGìieesFbie mebosMeeW kesÀ efueS, mLeeefhele ì^s[ HeÀeFveWme SeqhuekesÀMeve kesÀ meeLe FbìjHesÀme.
meYeer eqmJeHeÌì uesveosve kesÀ efueS 6 cegK³e efme×eble ueeiet efkeÀ³es ie³es nQ. FmekesÀ DeueeJee 500000 DecejerkeÀer [euej Deewj DeefOekeÀ cegêe kesÀ uesveosve kesÀ efueS
8- cegKed³e efme×eble ueeiet efkeÀ³es ie³es nQ.
SR2018 kesÀ Devegmeej eqmJeHeÌì Suee³ebme mebmkeÀjCe, DeefveJee³e& hew®e SAA7.2 ceW Deheie´s[ efkeÀ³ee ie³ee nw.
36. v³et ì^s[ HeÀe³evesvme cee[îetue (SHeÀSkeÌme – 24) efoveebkeÀ 03/04/2018 keÀes SeqkeÌ]pece efyeume cee[îetue kesÀ mLeeve hej keÀe³ee&eqvJele efkeÀ³ee ie³ee.
cenlJehetCe& efJeMes<eleeSb :
• Jesye DeeOeeefjle meceeOeeve SJeb nceejs yeQkeÀ keÀer meYeer MeeKeeDeeW keÀes GheueyOe.
• Yeejleer³e efjpeJe& yeQkeÀ kesÀ efve³ee&le [eìe he´mebmkeÀjCe heýebOeve heĆeeueer (F&[erheerSceSme) kesÀ meeLe hetCe& mecevJe³eve. FmekesÀ keÀejCe, DeejyeerDeeF& kesÀ 70% kesÀ
Devegheeueve kesÀ efJeª× yeQkeÀ ves F&[erheerSceSme efjheese\ìie ceW 76% keÀe Devegheeueve heéhle efkeÀ³ee.
• Yeejleer³e efjpeJe& yeQkeÀ kesÀ Dee³eele [eìe he´mebmkeÀjCe heýebOeve heĆeeueer (DeeF&[erheerSceSme) kesÀ meeLe hetCe& mecevJe³eve.
• Dee³eele SJeb efve³ee&le kesÀ mebyebOe ceW Yeejleer³e efjpeJe& yeQkeÀ kesÀ ceemìj efoMeeefveoxMeeW keÀe Devegheeueve.
• ieénkeÀ peevekeÀejer megefJeOee vebyej ( meerDeeF&SHeÀ) [er-[ghueerkesÀMeve keÀe Devegheeueve.
• efve³ee&le efyeue hej DeebefMekeÀ yeÆe keÀeìvee / Dee³eele efyeume keÀe DeebefMekeÀ Yegieleeve keÀer megefJeOee.
• meYeer cee[îetue ceW ¬eÀe@me keÀjsvmeer HeÀejJe[& keÀe@vì^skeÌì keÀe he´³eesie (yee¿e Oeve he´s<eCe,DeeJekeÀ Oeve he´s<eCe, efve³ee&le SJeb Dee³eele uesve osve ).
• meYeer Ghe³eesiekeÀlee&DeeW kesÀ efueS meYeer cenlJehetCe& efjheesì& heer[erSHeÀ / SkeÌmesue HeÀecexì ceW GheueyOe.
• SkeÀue uesve osve ceW js[er, HeÀe@jJe[& SJeb keÀe[& oj kesÀ meb³eespeve keÀe Ghe³eesie.
• ` 10,00,000 kesÀ yejeyej SJeb Fmemes DeefOekeÀ kesÀ efJeÊeer³e uesve osve kesÀ efueS oesnje DeefOehećeeCeve.
53
• efJeosMeer DeeJekeÀ efJehe´s<eCe hećeeCehe$e (SHeÀDeeF&Deejmeer) efheéÅvìie.

• [erpeerSHeÀìer / DeejyeerDeeF& (heérefMeheceWì SJeb heesmì efMeheceWì oesveeW kesÀ efueS) kesÀ 416 Devegcele S®eSme keÀes[dme DeeOeeefjle y³eepe mecekeÀjCe.
• Dee@HeÀmeeFì cee@veerìeEjie Sueì&me, 16 Deueìdme& me=efpele efkeÀS peeles nQ SJeb uesKeehejer#ee efJeYeeie keÀes cee@veerìeEjie kesÀ efueS GheueyOe keÀjeS ie³es nQ.
• efve³ee&le / Dee³eele kesÀ efJeª× Deefieće Yegieleeve kesÀ efueS keÀe³e&#ecelee.
• Sue meer / yeerpeer keÀceerMeve keÀe heefjMeesOeve mJe®eeefuele efkeÀ³ee ie³ee. henues MeeKee efleceener DeeOeej hej, cewv³egDeue ªhe mes Suemeer / yeerpeer keÀceerMeve keÀer ieCevee
keÀjkesÀ JeeG®e keÀjleer Leer.
• SmeDeej 2018 kesÀ heefjJele&veeW kesÀ Devegmeej eqmJeHeÌì SkeÀerkeÀjCe hetje efkeÀ³ee ie³ee.
• Sue meer / yeerpeer keÀceerMeve keÀer DeeJeefOekeÀ Jemetueer keÀes me#ece yevee³ee ie³ee.
ì^s[ HeÀe³evesvme cee[îetue kesÀ meeLe, yeQkeÀ ves keÀe@heexjsì efJeÊe MeeKee, ®ewVes ceW keÀe@heexjsì ieénkeÀeW kesÀ efueS mehueeF& ®esve HeÀe³evesvme cee[îetue Yeer keÀe³ee&eqvJele efkeÀ³ee nw.
37. J³eehekeÀ heWMeve heéf¬eÀ³ee heĆeeueer (CPPC)
27/03/2018 mes veF& heWMeve heĆeeueer keÀes ueeiet keÀj efo³ee ie³ee nw. meYeer he´keÀej kesÀ heWMeve kesÀ YegieleeveeW keÀe keWÀêerke=Àle he´mebmkeÀjCe nsleg heĆeeueer me#ece nw. efmemìce
ceW heerheerDees keÀer mkewÀeEveie Deewj mìesjspe GheueyOe keÀje³ee ie³ee nw. heWMeveYeesefie³eeW kesÀ efueS ueeYe efvecveevegmeej nQ-
heWMeveYeesefie³eeW kesÀ efueS peerJeve hećeeCe he$e keÀer Deemeeve GheueyOelee pees efkeÀ Fme GÎsM³e kesÀ efueS efkeÀmeer Yeer MeeKee ceW pee mekeÀles nQ.
peerJeve hećeeCe he$eeW keÀes meg®eeª ªhe mes he´mlegle keÀjves kesÀ efueS peerJeve hećeeCe kesÀ meeLe SkeÀerkeÀjCe.
heWMevejeW keÀes heWMeve / Sefj³ej / [erS Sefj³ej / keÀc³etìsMeve / ie´s®³egìer Deewj Dev³e Yegieleeve hej SmeSceSme Yespee peevee.
Deemeeve hengB®e Deewj megjef#ele jKeves kesÀ efueS , heerheerDees keÀer mkewÀve keÀer ieF& íefJe³eeW keÀe mebieńCe Deewj hegveheé&eqhle.
heWMeve jeefMe³eeW keÀer Deemeeve Deewj meìerkeÀ ieCevee. heefjJeej Deewj efJeYeeefpele heWMeve kesÀ he´mebmkeÀjCe Deewj Yegieleeve keÀer megefJeOee.
heWMevejeW keÀes efkeÀS ieS Yegieleeve kesÀ efueS heWMeve hes eqmuehe keÀe me=peve keÀjvee.
F&cesue Üeje heWMeve heseqmuehe keÀe ueeiet efkeÀ³ee peevee.
uesKeehejer#ee SJeb efvejer#eCe
yeQkeÀ keÀer MeeKeeSb DeebleefjkeÀ uesKeehejer#ekeÀeW kesÀ ceeO³ece mes peesefKece DeeOeeefjle DeebleefjkeÀ uesKeehejer#ee (DeejyeerDeeF&S) kesÀ DeOeerve nw Deewj meeqcceÞe peesefKece {eb®es kesÀ
Devegmeej he´l³eskeÀ MeeKee keÀes peesefKece jseEìie heóeve keÀer peeleer nw. leovegmeej, Je<e& 2018-19 kesÀ oewjeve 4659 MeeKeeDeeW ceW mes 4449 DeejyeerDeeF&S kesÀ DeOeerve Leer SJeb
MeeKeeDeeW keÀes Je<e& 2018-19 kesÀ oewjeve jseEìie oer ieF&. efoveebkeÀ 31.03.2019 keÀes 3106 MeeKeeSb, ceO³ece peesefKece jseEìie ceW, 1449 MeeKeeSb, v³etve peesefKece jseEìie
ceW SJeb 90 MeeKeeSb G®®e peesefKece jseEìie ceW SJeb 3 MeeKeeSb yengle G®®e peesefKece jseEìie kesÀ Debleie&le nQ. yeQkeÀ keÀer keÀesF& Yeer MeeKee Del³eefOekeÀ G®®e peesefKece jseEìie kesÀ
Debleie&le veneR nQ.
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, 33 #es$eer³e keÀe³ee&ue³eeW, 12 Deeb®eefuekeÀ keÀe³ee&ue³eeW Deewj kesÀvêer³e keÀe³ee&ue³e kesÀ 09 efJeYeeie, heýebOeve uesKeehejer#ee kesÀ DeOeerve Les.
efoveebkeÀ 31.03.2019 keÀes 819 MeeKeeSb / 23 SmeSmeyeer / 9 meermeerheermeer / kesÀvêer³e keÀe³ee&ue³e kesÀ 4 efJeYeeie kegÀue 855 MeeKeeSb SJeb efJeYeeie, meveoer uesKeekeÀej keÀer
HeÀceeX / yeQkeÀ DeefOekeÀeefj³eeW Üeje mebieeceer uesKeehejer#ee kesÀ Debleie&le keÀJej efkeÀS ieS nQ. yeQkeÀ keÀer meYeer 7 keÀe@heexjsì efJeÊe MeeKeeSb SJeb 5 Dev³e Del³eefOekeÀ ye[er MeeKeeSb
, yeQkeÀ kesÀ Jeefjÿ ÞesCeer kesÀ DeefOekeÀeefj³eeW Üeje mebieeceer uesKeehejer#ee kesÀ Debleie&le nQ. efoveebkeÀ 31.03.2019 keÀes yeQkeÀ kesÀ kegÀue J³eJemee³e keÀe ueieYeie 54.57% Deewj
kegÀue DeefiećeeW keÀe 64.38% mebieeceer uesKee hejer#ee kesÀ Debleie&le keÀJej efkeÀ³ee nw. 843 meveoer uesKeekeÀej HeÀceeX keÀes mebieeceer uesKeehejer#ee keÀe keÀe³e& meewhee ie³ee nw efpeveceW
mes 412 HeÀceX YeeefjyeQ ÞesCeer I keÀer, 290 ÞesCeer II keÀer, 110 ÞesCeer III keÀer SJeb 31 HeÀceX DeejyeerDeeF& ÞesCeer IV keÀer nQ.
yeQkeÀ he´l³eskeÀ Je<e& 1 cee®e& mes 10 cee®e& lekeÀ meveoer uesKeekeÀej, DeebleefjkeÀ uesKee hejer#ekeÀ SJeb Dev³e DeefOekeÀeefj³eeW mes ³en megefveeq½ele keÀjves kesÀ efueS jepemJe peeb®e keÀjJeeleer
nw efkeÀ efJeefOemeccele Dee³e yeQkeÀ keÀer yener ceW heéfJeä keÀer ie³eer nw.
DeejyeerDeeF& kesÀ DevegosMeeW kesÀ Devegheeueve ceW, efoveebkeÀ 01.04.2018 mes 31.03.2018 kesÀ oewjeve 374 hee$e KeeleeW ceW efJeefOekeÀ uesKeehejer#ee keÀje³ee ie³ee SJeb mJelJe
efJeuesKe keÀe hegve:mel³eeheve megmebiele heéefOekeÀeefj³eeW kesÀ Üeje keÀje³ee ie³ee.
yeQkeÀ DeeJeefOekeÀ efvejer#eCe SJeb uesKeehejer#ee kesÀ ceeO³ece mes keÀæ[eF& mes Devegheeueve mebmke=Àefle megefveeq½ele keÀjleer nw. yeQkeÀ MeeKeeDeeW keÀes jsv[ce DeeOeej hej Devegheeueve
uesKeehejer#ee Yeer keÀjleer nw leeefkeÀ uesKee hejer#ee Jeeueer MeeKee Üeje he´mlegle keÀer ie³eer uesKeehejer#ee Devegheeueve keÀer mel³elee keÀes megefveeq½ele efkeÀ³ee pee mekesÀ. efJeÊeer³e Je<e&
2018-19 kesÀ oewjeve 361 MeeKeeSb Devegheeueve uesKeehejer#ee kesÀ DeOeerve LeeR.
efJeefYeVe heefj¢M³e kesÀ Debleie&le efveeq½ele keÀer ie³eer heéjeqcYekeÀ meercee mes DeefOekeÀ kesÀ uesve osve keÀer cee@veerìefjWie kesÀ efueS yeQkeÀ Dee@HeÀmeeFì cee@efveìeEjie heĆeeueer kesÀ Debleie&le Yeer
nw. Jele&ceeve ceW 89 heefj¢M³e kesÀ Sueì&me me=efpele nesles nQ.
54
yeQkeÀ ves Deheveer S[er MeeKeeDeeW Üeje he´sef<ele eqmJeHeÌì mebosMeeW nsleg efJeMes<e uesKeehejer#ee Yeer keÀje³ee Lee SJeb keÀesF& Yeer Deefve³eefcelelee veneR hee³eer ie³eer.
yeQkeÀ efve³eefcele uesKee hejer#ee kesÀ DeueeJee kesÀJee³emeer Devegheeueve uesKeehejer#ee Yeer keÀjJeeleer nw.
MeeKee efJemleej
efoveebkeÀ 31 cee®e& 2019 keÀes, yeQkeÀ kesÀ vesìJeke&À ceW kegÀue 4659 MeeKeeSb nQ, 3966 SìerSce, 10 mesìsueeFì keÀe³ee&ue³e SJeb 1 efJemleej heìue nQ. osMe kesÀ meYeer 29
jep³eeW, 6 ceW mes 5 kesÀvê Meeefmele heósMeeW, Svemeerìer efouueer, 574 efpeuee cegK³eeue³eeW SJeb 707 efpeueeW ceW mes 635 efpeueeW ceW GheeqmLeefle kesÀ meeLe yeQkeÀ keÀe osMeJ³eeheer
efJemleej nw.
MeeKeeDeeW keÀe JeieeakeÀjCe
Metropolitan,
881, 19%
Rural, 1605,
34%
Urban, 828,
18%
Semi Urban,
1345, 29%
Rural Semi Urban Urban Metropolitan
heefj®eeueve
yeQkeÀ Üeje efJemleeefjle efkeÀS ieS DeeOegefvekeÀ keÀe@ue meWìj GlheeoeW kesÀ hećeesMeve / ieénkeÀeW keÀes GvekesÀ $eÝCe Keelee ceW DeefOeMes<e Fl³eeefo mebyebOeer DevegmceekeÀj kesÀ efueS
efveiee&ceer keÀe@ue kesÀ DeefleefjÊeÀ ieénkeÀeW keÀer efMekeÀe³eleeW / MebkeÀeDeeW kesÀ meceeOeeve kesÀ efueS DeeJekeÀ keÀe@ue megefJeOee GheueyOe keÀje jner nw.
meesefJeefve³ej ieesu[ yee@v[dme kesÀ efueS Dee@ve ueeFve DebMeoeve megefJeOee ieénkeÀeW keÀes GheueyOe keÀje³eer ie³eer nw.
heWMeve he´mebmkeÀjCe heĆeeueer ceW megj#ee, Meg×lee SJeb mheer[ keÀes yesnlej yeveeves kesÀ efueS ve³ee heWMeve mee@HeÌìJes³ej - peeryeerSce - HesvMeve cee@[îetue DeejbYe efkeÀ³ee ie³ee nw.
³en heWMevejeW keÀes Yegieleeve efJeJejCe SJeb mebMeesOeveelcekeÀ ueeYeeW kesÀ mebyebOe ceW SmeSceSme GheueyOe keÀje³esiee.
Yeejle mejkeÀej kesÀ yeQeEkeÀie megOeej kesÀ efueS jes[ cewhe kesÀ Devegmeej, ieénkeÀeW keÀer Deemeeveer kesÀ efueS mebMeesefOele mejueerke=Àle Keelee Keesueves keÀe HeÀe@ce& (meerDeeF&SHeÀ SJeb
SDeesSHeÀ – J³eefÊeÀiele / Jew³eefÊeÀkeÀ) DeejbYe efkeÀ³ee ie³ee nw.
meceeMeesOeve kesÀ ®eskeÀ veeces keÀjves kesÀ hetJe& ieénkeÀeW keÀes SmeSceSme he´sef<ele efkeÀS pee jns nQ. efJeJeeefole ®eskeÀ kesÀ ceeceueeW ceW, ieénkeÀeW keÀes nesce MeeKee mes DeLeJee keÀe@ue
mesvìj 1800221911 hej mebheke&À keÀjvee nw.
Jeefjÿ veeieefjkeÀeW leLee efJeMes<e efJekeÀueebie J³eefÊeÀ³eeW kesÀ efueS yeQeEkeÀie megefJeOee :-
nceves ieénkeÀeW kesÀ efueS pees MeejerefjkeÀ ªhe mes efJekeÀueebie leLee Jeefjÿ veeieefjkeÀ nw , [esj mìshe yeQeEkeÀie mesJeeDeeW keÀer MegªDeele keÀj DeefleefjÊeÀ otjer keÀe meHeÀj le³e
efkeÀ³ee nw. MegªDeele kesÀ efueS nceves Gef®ele mesJee MegukeÀ hej efvecveefueefKele mesJeeDeeW keÀe efJemleej keÀj jns nQ :
vekeÀoer uesves nsleg leLee Keeles ceW ¬esÀef[ì keÀjves kesÀ efueS jmeero kesÀ efKeueeHeÀ efueKele, Keeles ceW efvekeÀeme kesÀ efKeueeHeÀ vekeÀo keÀer ef[ueerJejer, ef[ceeb[ [êHeÌì keÀer
ef[ueerJejer, Deheves ieénkeÀ keÀes peeves (kesÀJee³emeer) omleeJepeeW keÀes he´mlegle keÀjvee leLee Ssmes ieénkeÀeW kesÀ heefjmej/efveJeeme hej peerJeve hećeeCe-he$e, HeÀece& veb. 15 S®e,
Dev³e yegefve³eeoer yeQkeÀ mesJee³eW pewmes ®eskeÀ yegkeÀ keÀe efJelejCe. ³en mesJeeSB nesce MeeKee kesÀ 3 efkeÀueesceerìj #es$e kesÀ Iesjs kesÀ Yeerlej heóeve efkeÀ³es pee³eWies. mesJee MegukeÀ heéfle
DeJemej ` 50/- nw.
Deye ieénkeÀ Deheveer hemebo keÀer efkeÀmeer Yeer MeeKee ceW ueIeg ye®ele mkeÀerce pewmes heerheerSHeÀ / Jeefjÿ veeieefjkeÀ ye®ele ³eespevee / megkeÀv³ee mece=ef× Keelee / kesÀJeerheer kesÀ
Debleie&le Keelee Keesue mekeÀles nQ.
55
ieénkeÀeW keÀer efMekeÀe³eleeW keÀe lJeefjle efveJeejCe efkeÀ³ee peelee nw, efveheìeve mece³e IeìkeÀj 10 efove nes ieS nQ.
meerkesÀJee³emeerDeej keÀe keÀe³e& heéLeefcekeÀlee hej efkeÀ³ee peeSiee Deewj nce efJeÊeer³e Je<e& 2019-20 ceW hetje keÀjves keÀer ³eespevee yevee jns nQ.
jepeYee<ee :
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve efJeefMeä GheueeqyOe³eeW keÀe efJeJejCe
DeefKeue Yeejleer³e jepeYee<ee meccesueve keÀe Dee³eespeveë
efoveebkeÀ 24-25 peveJejer, 2019 keÀes Deeb®eefuekeÀ keÀe³ee&ue³e, Yeesheeue kesÀ lelJeeJeOeeve ceW oes efoJemeer³e DeefKeue Yeejleer³e jepeYee<ee meccesueve keÀe YeJ³e Dee³eespeve.
Deblej yeQkeÀ DeefKeue Yeejleer³e keÀeJ³e heeþ heéfle³eesefielee keÀe Dee³eespeve :
nceejs Smeheeryeerìer ceneefJeÐeeue³e Üeje `Deblej yeQkeÀ DeefKeue Yeejleer³e keÀeJ³e heeþ’ heéfle³eesefielee keÀe Dee³eespeve efkeÀ³ee ie³ee. Fme heéfle³eesefielee ceW efJeefYeVe yeQkeÀeW kesÀ
ueieYeie 200 heéfleYeeefie³eeW ves Yeeie efue³ee.
Deblej yeQkeÀ efveyebOe heéfle³eesefielee keÀe Dee³eespeve:
jepeYee<ee efJeYeeie Üeje efÜleer³e Deblej yeQkeÀ efnvoer efveyebOe heéfle³eesefielee keÀe Dee³eespeve efkeÀ³ee ie³ee. efpemeceW efJeefYeVe yeQkeÀeW ces keÀe³e&jle mìeHeÀ meom³eeW ves Glmeen hetJe&keÀ
Yeeie efue³ee.
Je<e& 2018-19 kesÀ oewjeve nceejs yeQkeÀ keÀes efvecveevegmeej hegjmkeÀej heéhle ngS
jep³e mlejer³e hegjmkeÀejë
lesuebieevee jep³e mlejer³e yeQkeÀme& meefceefle Üeje Deeb®eefuekeÀ keÀe³ee&ue³e, nwojeyeeo keÀes jepeYee<ee kesÀ #es$e ceW Glke=Àä keÀe³e&-efve<heeove nsleg “he´Lece hegjmkeÀej“ heóeve
efkeÀ³ee ie³ee.
ie=n ceb$eeue³e kesÀ hegjmkeÀej
efoveebkeÀ 14 efmelecyej, 2018 keÀes èEnoer efoJeme’ kesÀ megDeJemej hej efouueer kesÀ efJe%eeve YeJeve ceW Dee³eesefpele èEnoer efoJeme meceejesn 2018“ keÀe³e&¬eÀce ceW jepeYee<ee
efJeYeeie, ie=n ceb$eeue³e, Yeejle mejkeÀej Üeje Je<e& 2017-18 kesÀ efueS “jepeYee<ee keÀere|le hegjmkeÀej“ ³eespevee kesÀ Debleie&le nceejs yeQkeÀ Üeje meb®eeefuele veiej jepeYee<ee
keÀe³ee&vJe³eve meefceefle (yeQkeÀ), Yeesheeue keÀes efÜleer³e hegjmkeÀej mes mecceeefvele efkeÀ³ee ie³ee.
Yeejle mejkeÀej keÀer jepeYee<ee veerefle kesÀ Glke=Àä keÀe³ee&vJe³eve kesÀ efueS jepeYee<ee efJeYeeie, ie=n ceb$eeue³e, Yeejle mejkeÀej Üeje Yeeef<ekeÀ #es$e `Ke’ kesÀ Debleie&le nceejs
cegcyeF& Deeb®eefuekeÀ keÀe³ee&ue³e keÀes ’ÒeLece“ Deewj Yeeef<ekeÀ #es$e ìe’ kesÀ Debleie&le heCepeer #es$eer³e keÀe³ee&ue³e keÀes ’ÒeLece“ hegjmkeÀej mes mecceeefvele keÀjves keÀer Iees<eCee
keÀer ieF& nw.
nceejs Üeje meb®eeefuele heCepeer vejekeÀeme keÀes Yeejle mejkeÀej keÀer jepeYee<ee veerefle kesÀ Glke=Àä keÀe³ee&vJe³eve kesÀ efueS jepeYee<ee efJeYeeie, ie=n ceb$eeue³e, Yeejle mejkeÀej
Üeje ’ÒeLece“ hegjmkeÀej mes mecceeefvele keÀjves keÀer Iees<eCee keÀer ieF& nw.
DeeMeerJee&o mebmLee mes heéhle hegjmkeÀej :
cegcyeF& eqmLele DeeMeerJee&o mebmLee Üeje nceejs yeQkeÀ keÀes jepeYee<ee veerefle kesÀ Glke=Àÿ keÀe³ee&vJe³eve nsleg `le=leer³e’ hegjmkeÀej mes mecceeefvele efkeÀ³ee ie³ee leLee nceejer ie=n
heef$ekeÀe `mesvìûeeFì’ keÀes Yeer èfÜleer³e’ hegjmkeÀej mes mecceeefvele efkeÀ³ee ie³ee.
veiej jepeYee<ee keÀe³ee&vJe³eve meefceefle kesÀ hegjmkeÀej :-
Deeb®eefuekeÀ keÀe³ee&ue³e, keÀesuekeÀelee keÀes ’ÒeLece“ hegjmkeÀej.
Deeb®eefuekeÀ keÀe³ee&ue³e, heìvee keÀes ’ÒeLece“ hegjmkeÀej.
Deeb®eefuekeÀ keÀe³ee&ue³e, nwojeyeeo keÀes ’ÒeLece“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, iJeeefue³ej keÀes ’ÒeLece“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, Deewjbieeyeeo keÀes ’ÒeLece“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, metjle keÀes ’ÒeLece“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, keÀeseq®®e keÀes ’ÒeLece“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, Fboewj keÀes ’ÒeLece“ hegjmkeÀej.
ce[ieebJe MeeKee keÀes ’ÒeLece“ hegjmkeÀej.
Fueeneyeeo cegK³e MeeKee keÀes ’ÒeLece“ hegjmkeÀej.
56
#es$eer³e keÀe³ee&ue³e, meeiej keÀes ’efÜleer³e“ hegjmkeÀej.

#es$eer³e keÀe³ee&ue³e, cesjþ keÀes ’efÜleer³e“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, efmeueeriegæ[er keÀes ’efÜleer³e“ hegjmkeÀej.
DecejeJeleer cegK³e MeeKee keÀes ’efÜleer³e“ hegjmkeÀej.
yesueieece MeeKee keÀes ’efÜleer³e“ hegjmkeÀej.
keÀvet&ue MeeKee keÀes ’efÜleer³e“ hegjmkeÀej.
jeJehegje MeeKee keÀes ’efÜleer³e“ hegjmkeÀej.
pejievenuueer MeeKee keÀes ’efÜleer³e“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, YegJeveséej keÀes ’le=leer³e“ hegjmkeÀej.
Deeb®eefuekeÀ keÀe³ee&ue³e, cegcyeF& keÀes ’efJeMes<e“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, yeQieueg© keÀes ’efJeMes<e“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, pe³ehegj keÀes ’efJeMes<e“ hegjmkeÀej.
Deeb®eefuekeÀ keÀe³ee&ue³e, efouueer keÀes ’meeblJevee“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, efJepe³eJeeæ[e keÀes ’meeblJevee“ hegjmkeÀej.
#es$eer³e keÀe³ee&ue³e, peeuebOej keÀes ’mce=efle ef®evn SJeb he´Mebmee he$e“.
keÀe@heexjsì keÀc³etefvekesÀMeve
nceejs GlheeoeW SJeb mesJeeDeeW kesÀ yeejs ceW efhe´vì, FueskeÌìê@efvekeÀ, DeeGì[esj SJeb Dev³e ceeme keÀc³etefvekesÀMeve kesÀ ceeO³eceeW mes peeie©keÀlee peeie=le keÀjves kesÀ efueS, iees ieérve
Ghee³eeW keÀes mJeerkeÀej keÀjles mece³e Deheveer yeéb[ íefJe keÀes yeveeS jKeves SJeb GmeceW Je=ef× keÀjves kesÀ efueS leLee HeÀeru[ mìeHeÀ meom³eeW kesÀ meef¬eÀ³e men³eesie mes Deheves yeQkeÀ
kesÀ J³eJemee³e ceW Je=ef× keÀjves kesÀ efueS efvecve ueeiele efJe%eeheveeW keÀes cenlJe osles ngS efvejblej he´³eeme keÀjles jnves kesÀ nceejs he´³eeme Fme Je<e& Yeer peejer jnWies. DeefKeue Yeejleer³e
mlej hej efJeefpeefJeefueìer yeæ{eves kesÀ efueS, HeÀeru[ mlej hej mLeeveer³e Kesue mheOee&DeeW/³ee$eeDeeW/Dee³eespeveeW/efkeÀmeeve kewÀcheeW/meccesueveeW kesÀ heé³eespeve kesÀ DeefleefjÊeÀ, efJeefYeVe
he´®eej-he´meej ieefleefJeefOe³eeW pewmes ì^wefHeÀkeÀ yesefjkesÀ[med, vees heee\keÀie yees[eX, hegefueme ®eewefkeÀ³eeW, ³etefìefueìer efkeÀDee@mkeÀ, oerJeej heWeEìie, Dee@ìes-efjkeÌMee, yeme SJeb ì^sve, efMekeÀeje,
ceW ye´WeE[ie keÀer ieF&. Fve ieefleefJeefOe³eeW keÀes Debpeece osves kesÀ efueS ueeskeÀue kesÀyeue, SHeÀSce jsef[³ees, ceesyeeFue She, efmevescee ceW efJe%eeheve keÀe Yeer Ghe³eesie efkeÀ³ee ie³ee.
nceejs mebmLeehekeÀ mej meesjeyepeer hees®eKeeveeJeeuee keÀer 137JeeR pe³ebleer efoveebkeÀ 09 Deiemle, 2018 keÀes meYeer mesvìûeeFì Üeje meYeer #es$eeW ceW ceveeF& ieF&. Fme MegYe
DeJemej hej ’SkeÌmeìW[s[ efceMeve efjkeÀJejer“ MegªDeele keÀer ieF&.
Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegmeej ’mJe®ílee DeefYe³eeve“ keÀe meYeer #es$eeW Üeje Dee³eespeve efkeÀ³ee ie³ee Lee.
cegbyeF& meerSmeìer cegK³e heefjmej ceW ìerSceìer SJeb yeerF&Smeìer yemesme yeébeE[ie leLee iuees meeF&ve yees[& SceScePes[Dees Üeje efkeÀ³ee ie³ee.
ieesJee hegefueme keÀes yeQkeÀ kesÀ veece leLee ueesiees kesÀ meeLe yeéb[s[ jsvekeÀesì efoS ieS.
vewveer Peerue ceW lewjles hes[ue yeesìdme hej yeébeE[ie efouueer Deb®eue Üeje keÀer ieF& nw.
Denceoeyeeo Deb®eue ceW jepekeÀesì #es$e Üeje efJe%eeheve kesÀ efueS yewkeÀefueì heesue efkeÀ³eesmkeÀ yeébeE[ie.
Deb®eue efpemekesÀ ceeO³ece mes nceejs yeQkeÀ kesÀ Glheeo Deewj mesJeeDeeW keÀes J³eehekeÀ he´®eej efo³ee ie³ee – efouueer Deb®eue Üeje megye´lees keÀhe mhee@vemejefMehe leLee ieJeceXì
SkeÌhe, DeeF&DeeF&ìerSHeÀ mhee@vemejefMehe, Yeesheeue Deb®eue Üeje DeeF&DeeF&Sce Fboewj mhee@vemejefMehe, ®esVew Deb®eue Üeje c³egefpekeÀ HesÀmìerJeue, DeeF&DeeF&Sce SkeÀes®esme
keÀeseq®®e keÀe mhee@vemejefMehe, cesuceeJe©JeLegj DeOeer hejeMeefÊeÀ kesÀ efueS mhee@vemejefMehe. nwojeyeeo Deb®eue Üeje SHeÀkesÀmeermeerDeeF& kesÀ efueS mhee@vemejefMehe, cegbyeF& Deb®eue
Üeje iuees meeFve, ceesyeeF&ue ®eee\peie, cegbyeF& ceW jsueJes mìsMeve hej nese\[ie Üeje he´®eej-he´meej, Leeves SJeb veJeer cegbyeF& ceW yeme hej yeébeE[ie leLee efJeefYeVe c³egefpekeÀue Mees
keÀe mhee@vemejefMehe leLee vesJeer [s mhee@vemejefMehe.
nceejs Deb®eueeW kesÀ ceeO³ece mes mLeehevee efoJeme Meeveoej lejerkesÀ mes cevee³ee peelee nw leLee nceejs efhe´³e mebmLeehekeÀ keÀe mecceeve leLee nceejs mecceeefvele ieénkeÀeW kesÀ
ke=Àle%elee keÀes jeäêr³e, #es$eer³e mecee®eej he$eeW kesÀ ceeO³ece mes eEhe´ì S[ he´®eej efo³ee ie³ee.
meesMeue efceef[³ee Üeje efJe%eeheve/ he´®eej-he´meej efo³ee ie³ee nw.
meleke&Àlee peeieªkeÀlee mehleen, jeäêr³e SkeÀerkeÀjCe efoJeme, ³eesiee [s, Debleje&äêr³e ceefnuee efoJeme cevee³ee ie³ee leLee nceejs yeQkeÀeW keÀer ¢M³elee yeæ{eves kesÀ efueS he´®eej
efkeÀ³ee ie³ee.
[e@. yeeyeemeensye Deebyes[keÀj keÀer pevce leLee ce=l³eg Je<e&ieebþ keÀer mhee@vemejefMehe oer ieF&.
57
meleke&Àlee
1 heĆeeueeriele megOeej :
Je<e& kesÀ oewjeve efvecveefueefKele heĆeeueeriele megOeej efkeÀS ieS :
S) eqmJeHeÌì cesmeseEpeie he×efle meeryeerSme kesÀ meeLe SkeÀerke=Àle nw leLee eqmJeHeÌì ceW meYeer heéfJeeqä³eeW keÀes Deye meeryeerSme/SHeÀX24 huesìHeÀece& kesÀ ceeO³ece mes efkeÀS peeles nQ.
yeer) keÀe³ee&vJe³eve kesÀ lenle Kegoje $eÝCeeW kesÀ he´mebmkeÀjCe kesÀ efueS ceewpetoe keÌueeme cee[îetue ceW megOeej.
2 meleke&Àlee peeie©keÀlee mehleen 2018 :
meerJeermeer mes heéhle DevegosMeeW kesÀ Devegmeej, “meleke&Àlee peeie©keÀlee mehleen 2018” Fme Je<e& keÀer Leerce “ve³ee Yeejle yeveeves kesÀ efueS Ye´äe®eej Kelce keÀjes“ kesÀ meeLe
efoveebkeÀ 29.10.2018 mes 03.11.2018 lekeÀ nceejs yeQkeÀ ceW hetCe& efveÿe kesÀ meeLe cevee³ee ie³ee. efoveebkeÀ 29.10.2018 keÀes kesÀvêer³e keÀe³ee&ue³e kesÀ efJeefYeVe
efJeYeeieeW ceW keÀe³e&jle mìeHeÀ meom³eeW Üeje MeheLe ueer ie³eer. Fmeer he´keÀej kesÀ keÀe³e&¬eÀce nceejs meYeer 13 Deeb®eefuekeÀ keÀe³ee&ue³eeW, 59 #es$eer³e keÀe³ee&ue³eeW SJeb yeQkeÀ keÀer
MeeKeeDeeW leLee nceejs yeQkeÀ Üeje heé³eesefpele #es$eer³e ieéceerCe yeQkeÀeW ceW ceveeS ieS.
nceejs yeQkeÀ ves ieénkeÀeW Deewj mìeHeÀ keÀes F&-MeheLe uesves ceW meceLe& yeveeves kesÀ efueS meerJeermeer keÀer JesyemeeFì keÀes neFhejeEuekeÀ efkeÀ³ee nw.
yeQkeÀ ves 24.20 efceefue³eve ieénkeÀeW keÀes SmeSceSme he´sef<ele efkeÀS efpemekesÀ ®eueles meleke&Àlee peeie©keÀlee mehleen kesÀ oewjeve mel³eefveÿe keÀer heéfle%ee uesves kesÀ efueS
meerJeermeer meeFì kesÀ efueS neFhejeEuekeÀ GheueyOe keÀje³ee ie³ee.
ieéceerCe Deewj De×& Menjer #es$eeW ceW peneb F&-MeheLe uesves kesÀ efueS lekeÀveerkeÀer Keeefce³eeb Leer, ieénkeÀeW kesÀ meeLe Deece ueesieeW kesÀ efueS meecetefnkeÀ MeheLe keÀe Dee³eespeve
efkeÀ³ee ie³ee. kegÀue 7,42,000 pevemecetn keÀer heéfle%ee keÀes meerJeermeer meeFì hej Deheuees[ keÀjves ceW yeQkeÀ hetjer lejn meHeÀue jne.
kesÀJeue nceejs yeQkeÀ kesÀ mìeHeÀ meom³eeW kesÀ efueS meleke&Àlee efveJeejkeÀ mes mebyebefOele ceg¢oeW keÀes keÀJej keÀjles ngS DeefKeue Yeejleer³e Dee@ve ueeFve eqkeÌJe]pe keÀe Yeer
Dee³eespeve efkeÀ³ee ie³ee, efpemeceW meyekeÀer Yeeieeroejer GlmeenpevekeÀ Leer Deewj Fme heéfle³eesefielee ceW 20 GcceeroJeejeW keÀes hegjmke=Àle efkeÀ³ee ie³ee.
nceejs yeQkeÀ kesÀ meeLe meeLe #es.ieé.yeQ. kesÀ ceeO³ece mes mechetCe& Yeejle ceW meleke&Àlee efveJeejkeÀ ieefleefJeefOe³eeW hej ueieYeie 22.35 ueeKe hewcheuesìdme efJeleefjle efkeÀS ieS.
yeQkeÀ ves keÀce&®eeefj³eeW, mebyebefOe³eeW SJeb mìskeÀOeejkeÀeW kesÀ efueS mebieþve keÀer veerefle³eeW/ heĆeeefue³eeW SJeb meleke&Àlee efveJeejkeÀ Ghee³eeW hej 627 keÀe³e&MeeueeSb / mebJesoerkeÀjCe
keÀe³e&¬eÀce Dee³eesefpele efkeÀS.
meerJeermeer mes heéhle DevegosMeeW kesÀ Devegmeej yeQkeÀ ves 9 efJeefvee|oä kesÀvêeW pewmes heìvee, efmeefueiegæ[er, peyeuehegj,Denceoeyeeo, veeefmekeÀ,eEhehejer, eE®e®eJeeæ[, ie´sìj cegcyeF&, þeCes
SJeb veJeer cegcyeF& kesÀ 215 mketÀueeW SJeb 138 keÀe@uespeeW ceW DeKeb[lee keÀes yeæ{eJee osves SJeb Ye´äe®eej GVecetueve peeie©keÀlee kesÀ efueS ef[yesì, Jeeo-efJeJeeo heéfle³eesefielee,
mueesieve efueKevee, ueskeÌ®ej Fl³eeefo keÀe³e&¬eÀce Dee³eesefpele efkeÀS.
efJeefYeVe mLeeveeW hej pevemeeceev³e / ieénkeÀeW / mìeHeÀ meom³eeW kesÀ efueS ìeGve ne@ue ceereEìieeW keÀe Dee³eespeve efkeÀ³ee ie³ee SJeb v³eeef³ekeÀ, meerJeermeer, meeryeerDeejdFdj, hegefueme
efJeYeeie, keÀe@uespeeW Fl³eeefo mes efJeMes<e leewj hej Deecebef$ele keÀe³e&¬eÀce ceW GheeqmLele ngS SJeb GheeqmLele pevemecetn keÀes mebyeesefOele Yeer efkeÀ³ee.
yeQkeÀ ves mechetCe& osMe kesÀ Menjer Deewj De×&Menjer keWÀêeW ceW pevemeeceev³e kesÀ yeer®e nceejs meceepe mes Ye´äe®eej kesÀ Gvcetueve Deewj DeKeb[lee keÀes yeæ{eJee osves keÀer
DeeJeM³ekeÀlee kesÀ yeejW ceW peeie©keÀlee HewÀueeves kesÀ efueS 8,304 ieécemeYeeSb Dee³eesefpele keÀer.
hetjs osMe keÀer MeeKeeDeeW, hesìêsue hecheeW, jsueJes mìsMeveeW Fl³eeefo kesÀ efJeefYeVe mLeeveeW hej ueieYeie 15000 yewveme& SJeb heesmìj heóe|Mele efkeÀS ieS. hetjs YeejleJe<e& keÀer
efJeefYeVe MeeKeeDeeW Üeje 5938 ieénkeÀ efMekeÀe³ele efveJeejCe efMeefJejeW keÀe Dee³eespeve efkeÀ³ee ie³ee. hetjs meleke&Àlee peeie©keÀlee mehleen kesÀ oewjeve 29 kesÀvêeW hej SHeÀSce
®ewveue hej jsef[³ees eEpeieue keÀe he´meejCe efkeÀ³ee ie³ee. meleke&Àlee peeie©keÀlee keÀe mebosMe HesÀmeyegkeÀ, efìJeìj kesÀ ceeO³ece kesÀ meeLe meeLe ³et ìîetye Üeje Yeer efJemleeefjle
efkeÀ³ee ie³ee. meerJeermeer keÀe mebosMe nceejs yeQkeÀ keÀer MeeKeeDeeW keÀer efJepegDeue ef[mehues FkeÀeF&³eeW, HesÀmeyegkeÀ Deewj eqìdJeìj hespe hej heóe|Mele efkeÀS ieS. meerJeermeer keÀe
mebosMe Yeer hetjs osMe ceW 15000 (ueieYeie) nese\[ie/yewvejeW kesÀ ceeO³ece mes heóe|Mele efkeÀS ieS.
efJeefYeVe mLeeveeW hej efJeefYeVe Dee³eespeve pewmes ceeveJe Þe=bKeuee, hewoue®eeueve, jes[ Mees, vegkeÌkeÀæ[ veeìkeÀ Dee³eesefpele efkeÀS ieS.
ceeveJe mebmeeOeve efJekeÀeme
1. ceeveJe-MeefÊeÀ :
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ ceW mìeHeÀ meom³eeW keÀer mebK³ee 35,675 nes ieF& nw pees efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle efJeÊeer³e
Je<e& ceW 36,843 Leer. mìeHeÀ meom³eeW keÀe ÞesCeerJeej JeieeakeÀjCe efvecveevegmeej nw:
ÞesCeer cee®e& 2017 cee®e& 2018 cee®e& 2019
DeefOekeÀejer Jeie& 16247 17166 16868
efueefhekeÀ Jeie& 13001 12300 11766
DeOeervemLe Jeie& 7796 7377 7041
kegÀue ³eesie 37044 36843 35675
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2. ceeveJe mebmeeOeve efJekeÀeme :

(i) cegK³eceb$eer Deeheoe jenle keÀes<e kesÀ efueS oeve — kesÀjue
Deiemle, 2018 ceW yeeæ{ kesÀ keÀejCe kesÀjue jep³e kesÀ heÝeeefJele ueesieeW kesÀ heéfle eE®elee Deewj SkeÀpegìlee efoKeeles ngS, yeQkeÀ ves efJeÐeceeve Je=no ceeveJe MeefÊeÀ kesÀ
nceejs meYeer mìeHeÀ meom³eeW mes SkeÀ efove keÀer efheéfJeuespe ueerJe (efJeMes<eeefOekeÀej DeJekeÀeMe) kesÀ vekeÀoerkeÀjCe kesÀ oeve keÀer Deheerue keÀer.Fme Deheerue kesÀ peJeeye ceW
nceejs mìeHeÀ meom³eeW ves ` 5.35 keÀjesæ[ keÀer jeefMe keÀe ³eesieoeve efo³ee Deewj Fmes cegK³eceb$eer Deeheoe jenle keÀes<e –kesÀjue keÀes he´sef<ele keÀj efo³ee ie³ee.
(ii) efJeÊeer³e Je<e& 2017-18 kesÀ efueS yeesveme keÀe Yegieleeve
Je<e& 2017-18 kesÀ efueS yeesveme DeLee&le efoveebkeÀ 1 Dehe´wue, 2017 mes efoveebkeÀ 31 cee®e&, 2018 lekeÀ keÀer DeJeefOe kesÀ efueS “Jesleve/heeefjÞeefcekeÀ“ kesÀ
@8.33% keÀer oj mes DeefOekeÀlece ` 7,000 meYeer hee$e keÀce&®eeefj³eeW keÀes Yegieleeve efkeÀ³ee ie³ee.
(iii) keÀce&®eeefj³eeW kesÀ efueS mecetn ef®eefkeÀlmee yeercee keÀJejspe :
keÀce&®eeefj³eeW kesÀ efueS mecetn ef®eefkeÀlmee yeercee keÀe efoveebkeÀ 01/10/2018 mes 30/09/2019 lekeÀ kesÀ efueS veJeerveerkeÀjCe efkeÀ³ee ie³ee.
(iv) mesJeeefveJe=Êe keÀce&®eeefj³eeW kesÀ efueS efoveebkeÀ 01.11.2018 mes 31.10.2019 lekeÀ keÀer DeJeefOe kesÀ efueS mecetn mJeemL³e yeercee hee@efuemeer.
mesJeeefveJe=Êe keÀce&®eeefj³eeW kesÀ efueS efoveebkeÀ 1 veJecyej, 2018 mes 31 DekeÌìtyej, 2019 lekeÀ kesÀ efueS mecetn mJeemL³e yeercee hee@efuemeer veJeerveerke=Àle keÀer ie³eer nw.
(v) yeQkeÀ ceW he´®eefuele mìeHeÀ keÀu³eeCe ³eespeveeSb – efJeÊeer³e Je<e& 2018-19 kesÀ efueS mìeHeÀ keÀu³eeCe ieefleefJeefOe³eeW kesÀ mebyebOe ceW efoveebkeÀ
21.07.2018 keÀes Dee³eesefpele mìeHeÀ keÀu³eeCe meefceefle keÀer yewþkeÀ ceW hećegKe efveCe&³e.
efJeÊeer³e Je<e& 2018-19 kesÀ efueS mìeHeÀ keÀu³eeCe ³eespeveeDeeW hej efveCe&³e uesves kesÀ efueS efoveebkeÀ 21.07.2018 keÀes mìeHeÀ keÀu³eeCe meefceefle keÀer yewþkeÀ
Dee³eesefpele keÀer ie³eer. meefceefle kesÀ efveCe&³eevegmeej kesÀJeue efvecveefueefKele leerve ³eespeveeSb efJeÊeer³e Je<e& 2018-19 ceW ueeiet jnWieer.
(S) keÀe³e& kesÀ oewjeve keÀce&®eejer kesÀ efveOeve hej GmekesÀ heefjJeej keÀes mene³elee ³eespevee.
(yeer) DeJekeÀeMe ie=n SJeb ìêbeqvpeì nesce – Jele&ceeve ceW 7 DeJekeÀeMe ie=n nQ.
(meer) mìeHeÀ keÀes ef®eefkeÀlmee megefJeOee keÀe heéJeOeeve - èfJeÐeceeve DebMe keÀeueerve [e@keÌìj keÀes Jesleve SJeb oJeeF³eeW keÀe cetu³e.
(vi) mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee – keÀce&®eejer mìe@keÀ Kejero ³eespevee
nceejs keÀce&®eeefj³eeW kesÀ yeer®e yeQkeÀ kesÀ heéfle Deheveeheve/mJeeefcelJe kesÀ efJe®eej keÀes yeæ{eves kesÀ efueS Deewj hetbpeer pegìeves keÀer ¢eqä kesÀ meeLe nceejs yeQkeÀ ves
keÀce&®eejer mìe@keÀ Kejero ³eespevee (F&SmeheerSme) kesÀ ceeO³ece mes keÀce&®eeefj³eeW keÀes Mes³ej peejer keÀj hetbpeer pegìeves nsleg Jeebefíle efJe®eej efkeÀ³ee. ³es FM³et efoveebkeÀ
19.03.2019 keÀes Kegues Deewj efoveebkeÀ 29.03.2019 keÀes yebo ngDee. oerIe& DeJeefOe kesÀ mebmeeOeveeW mes hetbpeer pegìeves keÀer Dehes#ee yeQkeÀ kesÀ keÀce&®eeefj³eeW Üeje
efkeÀS ieS mJeerkeÀe³e& Deewj heéfleHeÀue ³eesieoeve kesÀ efueS F&SmeheerSme yeQkeÀ keÀer mene³elee keÀjsiee Deewj GvekesÀ efnleeW kesÀ meeLe yeQkeÀ kesÀ oerIe&keÀeefuekeÀ efnleeW keÀes
mebjsefKele keÀjsiee.
3. heéfMe#eCe
Devegceesefole heéfMe#eCe ³eespevee kesÀ Devegmeej, Je<e& 2018-19 kesÀ efueS heéfMe#eCe kewÀueW[j lew³eej efkeÀ³ee ie³ee SJeb $eÝCe (efjìsue, SceSmeSceF& SJeb ke=Àef<e), Jemetueer,
efJeosMeer efJeefvece³e, peesefKece heýebOeve leLee ceeveJeer³e mJeYeeJe kesÀ henuegDeeW hej heéfMe#eCe osves keÀes heéLeefcekeÀlee oer ieF& nw.
meYeer heéfMe#eCe ceneefJeÐeeue³eeW SJeb ]pes[Smeìermeer ves heéfMe#eCe kewÀuesv[j kesÀ Devegmeej heéfMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS nw. Je<e& kesÀ oewjeve, keÀJejspe Devegheele
93% kesÀ meeLe 33,152 keÀce&®eejer heéfMeef#ele efkeÀS ieS nQ.
Je<e& 2018-19 kesÀ oewjeve efJeMes<e heéfMe#eCe henueW efvecveevegmeej nw :
59 keÀe³e&heeuekeÀeW (Jesleveceeve v ceW Ghe ceneheýebOekeÀeW SJeb #es$eer³e heýebOekeÀeW) ves S[efceefvemì^sefìJe mìeHeÀ keÀe@uespe Dee@HeÀ Fbef[³ee, nwojeyeeo ceW “keÀmìceeFp[
cewvespeceWì ì^seEveie heésieéce“ ceW menYeeefielee keÀer.
ceen efomecyej, 2018 ceW DeeF&DeeF&yeerSce, iegJeeneìer ceW 43 MeeKee heýebOekeÀeW ves “FHesÀeqkeÌìJe yeéb®e yeQeEkeÀie“ hej Dee³eesefpele efJeefMeä heéfMe#eCe keÀe³e&¬eÀce ceW
menYeeefielee keÀer.
efJeÊeer³e Je<e& 2018-19 ceW veJeefve³egÊeÀ heerDees SJeb SSHeÀDees kesÀ efueS nceejs heéfMe#eCe keÀe@uespe ceW “Fb[keÌMeve heéfMe#eCe keÀe³e&¬eÀce“ Dee³eesefpele keÀer ieF&.
efJeÊeer³e Je<e& 2018-19 kesÀ efueS veJeefve³egÊeÀ efueefhekeÀeW kesÀ efueS Deeb®eefuekeÀ mìeHeÀ heéfMe#eCe keWÀêeW hej Fb[keÌMeve heéfMe#eCe keÀe³e&¬eÀce Dee³eesefpele keÀer ieF&.
F& uee\veie kesÀ 26 keÀesme& yeQkeÀ Üeje heýebefOele F&-uee\veie heesì&ue hej GheueyOe keÀjeSb ieS.
59
Je<e& 2018-19 kesÀ oewjeve keÌueeme ªce, mLeeefvekeÀ, efJeMes<e heéfMe#eCe meefnle 1845 keÀe³e&¬eÀce Dee³eesefpele efkeÀS ieS, efpemeceW meYeer mìeHeÀ meom³eeW keÀes keÀJej
efkeÀ³ee ie³ee Deewj he´l³eskeÀ ves SkeÀ DeLeJee oes heéfMe#eCe keÀe³e&¬eÀceeW ceW menYeeefielee keÀer DeLee&le 3 heéfMe#eCe keÀe@uespeeW Deewj 15 Deeb®eefuekeÀ mìeHeÀ heéfMe#eCe keWÀêeW
Üeje 33152 menYeeefie³eeW keÀes 91921 ceeveJe efoJeme keÀe heéfMe#eCe efo³ee ie³ee. FmekesÀ DeueeJee efJeefYeVe JesleveceeveeW ceW keÀe³e&jle 333 DeefOekeÀeefj³eeW keÀes Jee¿e
heéfMe#eCe SpeWefme³eeW pewmes- SveDeeF&yeerSce, meerSyeer, DeeF&[eryeerheer,yeerDeeF&Deej[er, DeeF&DeeF&yeerSHeÀ, SSmemeerDeeF& Deewj DeeF&[erDeejyeerìer Üeje Dee³eesefpele efJeefMeä
heéfMe#eCe keÀe³e&¬eÀceeW kesÀ efueS veeceebefkeÀle efkeÀ³ee ie³ee. FmekesÀ DeefleefjÊeÀ, Je<e& 2018-19 ceW 7 DeefOekeÀeefj³eeW keÀes heéfMe#eCe keÀe³e&¬eÀce/Jeke&ÀMee@he / efMeKej meccesueve/
SkeÌmeheespej kesÀ efueS efJeosMe oewjs hej Yespee ie³ee.
4. Yeleea SJeb heoesVeefle :
Je<e& 2018-19 ceW heefjJeer#eeOeerve DeefOekeÀejer, ke=Àef<e efJeÊe DeefOekeÀejer, S®eDeej DeefOekeÀejer, DeeF&ìer DeefOekeÀejer, $eÝCe DeefOekeÀejer, peesefKece heýebOekeÀ,
efueefhekeÀ mebJeie& leLee DeOeervemLe Jeie& kesÀ 1067 heoeW kesÀ efueS Yeleea heéf¬eÀ³ee Dee³eesefpele keÀer ieF&.
heoesVeefle heéf¬eÀ³ee keÀes Deewj DeefOekeÀ heéslmeenkeÀejer leLee keÀe@heexjsì GÎsM³ehejkeÀ yevee³ee ie³ee nw. Deleë ³en he´mleeJe efkeÀ³ee ie³ee nw efkeÀ ³eLeemecYeJe meYeer
JesleveceeveeW/ÞesefCe³eeW kesÀ efueS heoesVeefle heéf¬eÀ³ee Dee³eesefpele keÀer peeS. leovegmeej Je<e& 2018-19 kesÀ oewjeve Deblej-Jesleveceeve SJeb Deblej-ÞesCeerheoesVeefle heéf¬eÀ³eeSb
Dee³eesefpele keÀer ieF& leLee keÀce&®eeefj³eeW/DeefOekeÀeefj³eeW keÀes G®®elej ÞesCeer/Jesleveceeve ceW heoesVele efkeÀ³ee ie³ee. Fme he´keÀej 50 DeOeervemLe keÀce&®eejer efueefhekeÀ
mebJeie& ceW, 307 efueefhekeÀ Jesleveceeve – I DeefOekeÀeefj³eeW keÀer ÞesCeer ceW leLee 1108 DeefOekeÀejer G®®elej ÞesCeer/Jesleveceeve ceW heoesVele ngS.
5. Deej#eCe veerefle keÀe keÀe³ee&vJe³eve :
• yeQkeÀ Üeje Deej#eCe veerefle hej Yeejle mejkeÀej/Yeejleer³e yeQkeÀ mebIe mes heéhle efoMeeefveoxMees/DevegosMeeW keÀe ef¬eÀ³eevJe³eve efkeÀ³ee pee jne nw leLee Deej#eCe veerefle kesÀ
Devegmeej Depee/Depepee/ DeefheJe/heer[yu³et[er keÀes ítì SJeb efj³ee³eleW heóeve keÀer pee jner nQ.
• megÞeer cebpet efouesj, meHeÀeF& keÀce&®eeefj³eeW kesÀ jeäêr³e Dee³eesie kesÀ ceeveveer³e meom³e ves efoveebkeÀ 06.06.2018 keÀes Yegyeveséej keÀe oewje efkeÀ³ee Deewj yeQkeÀ kesÀ
meHeÀeF& keÀce&®eeefj³eeW kesÀ heéfleefveefOe³eeW SJeb yeQkeÀ kesÀ heýebOeleb$e kesÀ meeLe meHeÀeF& keÀce&®eeefj³eeW kesÀ #es$eer³e mlej kesÀ cegÎeW hej ®e®ee& keÀer.
• Depee/Depepee keÀu³eeCe hej ieefþle mebmeoer³e meefceefle keÀe efoveebkeÀ 11.06.2018 keÀes ceveeueer ceW DeO³e³eve oewje, Depee/Depepee kesÀ ³etefve³eve/mebIe kesÀ
heéfleefveefOe³eeW kesÀ meeLe Depee/Depepee kesÀ cegÎeW hej ®e®ee& Deewj yeQkeÀ kesÀ heýebOeleb$e kesÀ meeLe Depee/Depepee kesÀ keÀu³eeCe nsleg Deej#eCe veerefle kesÀ keÀe³ee&vJe³eve hej
®e®ee&.
• Þeer S. mel³eveeje³eCe mene³ekeÀ efveosMekeÀ Devegmetef®ele peeefle kesÀ efueS jeäêr³e Dee³eesie, yebieueesj, jep³e keÀvee&ìkeÀ ves jesmìj, efMekeÀe³ele jefpemìj Fl³eeefo keÀer
peeb®e kesÀ efueS yebieueesj keÀe oewje efkeÀ³ee Deewj Depee kesÀ ³etefve³eve/mebIe kesÀ heéfleefveefOe³eeW Deewj yeQkeÀ heýebOeleb$e kesÀ meeLe efoveebkeÀ 15, 18 SJeb 19 petve, 2018
keÀes efJe®eej-efJeceMe& efkeÀ³ee.
• Þeer cevenej Jeeuepeer peeuee, DeO³e#e, meHeÀeF& keÀce&®eeefj³eeW kesÀ efueS jeäêr³e Dee³eesie ves efoveebkeÀ 21.07.2018 keÀes peeceveiej keÀe oewje efkeÀ³ee Deewj meHeÀeF&
keÀce&®eeefj³eeW kesÀ ³etefve³eve/mebIe kesÀ heéfleefveefOe³eeW kesÀ meeLe meHeÀeF& keÀce&®eeefj³eeW kesÀ cegÎeW hej ®e®ee& keÀer Deewj yeQkeÀ kesÀ heýebOeleb$e kesÀ meeLe meHeÀeF& keÀce&®eeefj³eeW kesÀ
keÀu³eeCe nsleg Deej#eCe veerefle kesÀ keÀe³ee&vJe³eve hej efJe®eej-efJeceMe& efkeÀ³ee.
• Þeer ³eesieWê heemeJeeve, Depee kesÀ efueS jeäêr³e Dee³eesie kesÀ ceeveveer³e meom³e ves efoveebkeÀ 24.07.2018 keÀes heìvee keÀe oewje efkeÀ³ee Deewj Depee kesÀ ³etefve³eve/ mebIe
kesÀ heéfleefveefOe³eeW SJeb yeQkeÀ kesÀ heýebOeleb$e kesÀ meeLe Depee kesÀ cegÎeW hej efJe®eej efJeceMe& efkeÀ³ee.
6. DeewÐeesefiekeÀ mebyebOe :
Je<e& kesÀ oewjeve DeewÐeesefiekeÀ mebyebOe meeceev³ele³ee meblees<epevekeÀ jns.
¬esÀef[ì keÀe[& heefj®eeueve :
efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀe ¬esÀef[ì keÀe[& DeeOeej 92838 nw SJeb heér-hes[ keÀe[& keÀe DeeOeej 398624 nw.
yeQkeÀ hećegKe keÀe[& peejerkeÀlee&DeeW DeLee&le ceemìj, Jeer]pee SJeb ªhes kesÀ men³eesie mes ¬esÀef[ì keÀe[& peejer keÀjlee nw. heér-hes[ keÀe[& ceemìj keÀe[& kesÀ men³eesie mes peejer
efkeÀ³es peeles nQ.
yeQkeÀ ieénkeÀeW keÀer efmeHe&À F&SceJeer ef®ehe DeeOeeefjle ¬esÀef[ì keÀe[& peejer keÀjlee nQ.
yeQkeÀ ves ¬esÀef[ì keÀe[& kesÀ efueS efJeMes<e Jesye heesì&ue Meg© efkeÀ³ee nw.
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ceesyeeFue yeQeEkeÀie hej ¬esÀef[ì keÀe[& mebyebOeer keÀe³e&-heĆeeueer Yeer efJekeÀefmele keÀer ieF& nw.
¬esÀef[ì keÀe[& keÀer Dee@ve-ueeFve Kejero kesÀ efueS F&SceDeeF& efJekeÀuhe efJekeÀefmele SJeb keÀe³ee&eqvJele efkeÀ³ee ie³ee nw.
pegueeF&, 2017 ceW ªhes ¬esÀef[ì keÀe[& oes he´keÀejeW kesÀ meeLe (ªhes huesefìvece Deewj ªhes mesueskeÌì) peejer efkeÀ³ee ie³ee nw.
Je<e& kesÀ oewjeve yeQkeÀ ves ªhes huesìHeÀe@ce& hej efjuees[syeue (Deesheve ueghe efmemìce) ªhes heérhes[ keÀe[& peejer efkeÀ³ee nw.
SìerSce/[sefyeì keÀe[& heefj®eeueve :
efoveebkeÀ 31.03.2019 keÀes SìerSce keÀer kegÀue mebK³ee 3966 nQ.
1061 SìerSce ceW vekeÀoer YejeF& keÀe keÀe³e& mìeHeÀ Üeje efkeÀ³ee pee jne nw.
efoveebkeÀ 31.03.2019 keÀes 3603 MeeKeeSb SìerSce kesÀ meeLe mecye× nQ.
yeQkeÀ kesÀ 66% SìerSce ieéceerCe SJeb De×&-Menjer #es$eeW ceW eqmLele nw.
Je<e& kesÀ oewjeve Deewmele SìerSce Dehe-ìeFce 91% nw.
SìerSce hej Deewmele owefvekeÀ efnì 129 nw.
Deveg<ebefie³eeb SJeb meb³egÊeÀ GÐece
I. mesvìyeQkeÀ nesce HeÀeFveWme efueefceìs[
cee®e& 2019 keÀes MegOo mJeeefcelJe efveefOe ` 111.57 keÀjesæ[ Leer.
efoveebkeÀ 31 cee®e& 2019 keÀes Je<e& kesÀ oewjeve kebÀheveer keÀe kegÀue Deefieće `1270.79 keÀjesæ[ nes ie³ee nw, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en
`1266.09 Lee.
efoveebkeÀ 31 cee®e&, 2019 keÀes efjìsue peceeSb SJeb mebmLeeiele peceeSb ` 482.33 keÀjesæ[ nes ie³ee nw, peyeefkeÀ efoveebkeÀ 31 cee®e&, 2018 keÀes ³en ` 542.84
keÀjesæ[ Lee.
efJeÊeer³e Je<e& 2018-19 keÀes kebÀheveer keÀe Meg× ueeYe `16.28 keÀjesæ[ nes ie³ee nw, peyeefkeÀ efJeÊeer³e Je<e& 2017-18 keÀes ³en `16.84 Lee.
heéfle Mes³ej Dee³e ` 6.51 (` 10 heéfle Mes³ej) [iele Je<e& ` 6.73] jner.
efoveebkeÀ 31 cee®e&, 2019 kesÀ Je<e& meceeeqhle ceW SveheerS ` 27.97 keÀjesæ[ jne, pees efoveebkeÀ 31 cee®e& 2018 kesÀ Je<e& meceeeqhle ceW ` 26.90 keÀjesæ[ Lee.
efoveebkeÀ 31 cee®e& 2019 keÀes Meg× Deefieće ceW Meg× SveheerS 1.26% nw.
Deeeqmle³eeW hej heéfleHeÀue 1.26% nw. [iele Je<e& 1.26%]
efoveebkeÀ 31 cee®e&, 2019 keÀes meerSDeej 17.88% nw.
II. mesvìyeQkeÀ HeÀeFveWefMeue mee|Jemespe efueefceìs[
mesvìyeQkeÀ efJeÊeer³e mesJeeSb efueefceìs[, ef[yeW®ej/megj#ee v³eeme, efve<heeokeÀ v³eeme, heýebOe ®esjerìsyeue ì^mì Fl³eeefo meefnle DeefveJee³e&le: v³eemeOeeefjlee mesJeeSb GheueyOe
keÀje jner nw.
kebÀheveer, ef[yeW®ej v³eeme ieefleefJeefOe³eeW kesÀ DeefOeieńCe kesÀ efueS mesyeer kesÀ meeLe hebpeerke=Àle nw.
efJeÊeer³e DeÐeleve peevekeÀejer :
kebÀheveer ves 31 cee®e& 2019 kesÀ Je<e& meceeeqhle ceW ` 2.70 keÀjesæ[ keÀe keÀj he½eele Meg× ueeYe Dee|pele efkeÀ³ee, pees iele Je<e& 31 cee®e&, 2018 kesÀ Je<e& meceeeqhle ceW
` 2.58 keÀjesæ[ Lee.
Keb[Jeej Depe&ve :
61
(jeefMe ©he³es ceW)

efJeJejCe efJe.Je. 2018-19 efJe.Je. 2017-18
efve<heeokeÀ v³eeme mes MegukeÀ 43,24,805 34,85,414
ef[yeW®ej SJeb heéfleYetefle v³eeme mes MegukeÀ 2,70,82,673 2,90,70,143
Dev³e Dee³e (y³eepe) 2,51,22,941 2,81,65,842
kegÀue 5,65,30,419 6,07,21,398
iii.Fb[es-peeeqcye³ee yeQkeÀ efueefceìs[
peeeqcye³ee mejkeÀej leLee Yeejle kesÀ leerve yeQkeÀeW DeLee&le mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee, yeQkeÀ Dee@HeÀ yeæ[ewoe, yeQkeÀ Dee@HeÀ Fbef[³ee Üeje meb³egÊeÀ ªhe mes peeeqcye³ee ceW
yeQkeÀ keÀe meb³egÊeÀ GÐece mLeeefhele efkeÀ³ee ie³ee nw. FmeceW Fve leerveeW Yeejleer³e yeQkeÀeW ceW mes he´l³eskeÀ keÀer 20% FeqkeÌJeìer nw, peyeefkeÀ Mes<e 40% FeqkeÌJeìer peeeqcye³ee
ieCejep³e mejkeÀej keÀer nw.
yeQkeÀ keÀe efJeÊeer³e Je<e&, kewÀueW[j Je<e& nw.
yeQkeÀ meYeer hewjeceerìjeW ceW yesnlej keÀe³e&efve<heeove oMee& jne nw Deewj Jele&ceeve ceW peeeqcye³ee keÀe íþe meyemes yeæ[e yeQkeÀ nw.
efomecyej 2018 kesÀ Deble lekeÀ nceejs yeQkeÀ kesÀ heeme kegÀue 1 keÌJee®ee heéfle Mes³ej kesÀ 8,32,00,000 Mes³ej nw.
efheíues Je<e& keÀer leguevee ceW yeQkeÀ keÀer pecee jeefMe³eeW ceW 24,21% SJeb DeefiećeeW ceW 34.46% Je=ef× ngF& nw.
kewÀueW[j 2018 ceW yeQkeÀ keÀes 116.09 SceDeeF&Dees keÌJee®ee (` 66.99 keÀjesæ[) keÀe Meg× ueeYe ngDee nw.
iv. #es$eer³e ieéceerCe yeQkeÀ
nceejs heeme efoveebkeÀ 31 cee®e&, 2019 keÀes nceejs 3 DeejDeejyeer nQ, efpevekeÀe 3 jep³eeW kesÀ 48 efpeueeW ceW 1629 MeeKeeDeeW keÀe vesìJeke&À nw.
(` keÀjesæ[ ceW)
DeejDeejyeer SJeb cegK³eeue³e keÀe veece leLee jep³e efpeueeW SJeb MeeKeeDeeW kegÀue kegÀue Deefieće mekeÀue SveheerS Meg× ueeYe
keÀer mebK³ee peceejeefMe³eeb
mesvìûe ceO³e heósMe ieéceerCe yeQkeÀ, eEíoJeeæ[e (ce.he´.) 25/455 – – – –
GÊej efyenej ieéceerCe yeQkeÀ, cegpeHeÌHeÀjhegj (efyenej) 18/1032 15499.85 8101.59 2282.47 16.78
GÊejyebie #es$eer³e ieéceerCe yeQkeÀ, ketÀ®eefyenej (he.yebieeue) 5/142 3014.96 1713.47 158.40 10.98
kegÀue 48/1629 18514.81 9815.06 2440.87 27.76
# mejkeÀejer DeefOemet®evee kesÀ Devegmeej, mesvìûe ceO³e heósMe ieéceerCe yeQkeÀ (meerSceheerpeeryeer) keÀe efJeue³e yeQkeÀ Dee@HeÀ Fbef[³ee Üeje heé³eesefpele DeejDeejyeer kesÀ meeLe
efkeÀ³ee pee jne nw.
keÀe@heexjsì meeceeefpekeÀ oeef³elJe
meerSmeDeej, keÀe³e&yeue SJeb GvekesÀ heefjJeejeW kesÀ meeLe meeLe mecegoe³e SJeb meceepe kesÀ peerJeve mlej ceW megOeej ueeles ngS DeLe&J³eJemLee kesÀ efJekeÀeme ceW J³eJemee³e keÀer
melele heéfleye×lee nw.
meerSmeDeej kesÀ Debleie&le efveOe&ve, meceepe kesÀ Jebef®ele Jeie& kesÀ efMe#ee, mJeemL³e kesÀ mlej keÀes ye{eves heéke=ÀeflekeÀ DeeheoeDeeW SJeb meceepe kesÀ meceie´ keÀu³eeCe kesÀ efueS keÀe³e&
keÀjves Jeeueer mebmLee/ì^mì kesÀ ceeO³ece mes Deee|LekeÀ oeve osvee nceejer melele heéfleye×lee nw.
efJeÊeer³e Je<e& 2018-19 kesÀ efueS meerSmeDeej yepeì Metv³e nw keÌ³eeWefkeÀ efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve yeQkeÀ keÀes neefve ngF& Leer.
hegjmkeÀej SJeb mecceeve
yeQkeÀ kesÀ keÀe³e&efve<heeove keÀes keÀes hen®eeveves kesÀ efueS vesle=lJe hetBpeer leLee osMe kesÀ efJeefYeVe YeewieesefuekeÀ mLeeveeW ceW ³eespevee keÀes yeæ{eJee osves ceW GvekesÀ vesle=lJe kesÀ efueS yeQkeÀ
keÀes efJeÊeer³e mesJee³es efJeYeeie, efJeÊe ceb$eeue³e, veF& efouueer kesÀ efJeYeeie mes Deìue heWMeve ³eespevee hegjmkeÀej heéhle ngDee.
meye mes DeefOekeÀ veJeesvces<e Glheeo ÞesCeer kesÀ efueS yeQkeÀ keÀes Yeejleer³e yeQkeÀ mebIe (DeeF&yeerS) Üeje mecceeefvele efkeÀ³ee ie³ee.
62
keÀe@heexjsì ieJevexme
1) yeQkeÀ kesÀ keÀe@heexjsì ieJevexme keÀe GÎsM³e:
yeQkeÀ kesÀ keÀe@heexjsì ieJevexme keÀe hećegKe GÎsM³e J³eJemee³e kesÀ meb®eueve ceW veweflekeÀ mebJ³eJenej mes Mes³ejOeejkeÀeW keÀer Dee³e ceW Je=ef× keÀjvee leLee he´keÀìerkeÀjCe SJeb
heejoe|Melee kesÀ G®®e ceevekeÀeW keÀe DevegmejCe keÀjvee nw. yeQkeÀ ves meJeexÊece mebJ³eJenej keÀes Dehevee³ee nw SJeb ieJevexme kesÀ ceevekeÀeW keÀer efveiejeveer yees[& keÀer efJeefYeVe
meefceefle³eeW Üeje keÀer peeleer nw. keÀe@heexjsì ue#³eeW keÀer heéeqhle, keÀe³e&-efve<heeove ceW megOeej SJeb Mes³ejOeejkeÀeW kesÀ Mes³ej cetu³e ceW Je=ef× nsleg yees[&, keÀe³e&heeuekeÀeW SJeb
Dev³e heoeefOekeÀeefj³eeW keÀer efJeefMeä YetefcekeÀeSb nQ.
yeQkeÀ kesÀ FeqkeÌJeìer Mes³eme& yee@cyes mìe@keÀ SkeÌme®eWpe efue. SJeb vesMeveue mìe@keÀ SkeÌme®esvpe Dee@HeÀ Fbef[³ee efue. ceW met®eerye× nw. neueebefkeÀ, yeQkeÀ SkeÀ kebÀheveer veneR
nw, efkeÀvleg yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece 1970 kesÀ lenle efveieefcele efvekeÀe³e nw, pees Yeejleer³e efj]peJe& yeQkeÀ Üeje efve³ebef$ele
nw. Deleë yeQkeÀ mesyeer (met®eerye× yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015 ceW efJeefvee|oä keÀe@heexjsì ieJevexme ceeveob[eW kesÀ heéJeOeeveeW keÀes Gme
meercee lekeÀ, peneb lekeÀ efkeÀ yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970, jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefYeVe heéJeOeeve)³eespevee
1970 SJeb Yeejle mejkeÀej SJeb Yeejleer³e efjpeJe& yeQkeÀ Üeje Fme mebyebOe ceW peejer efoMeeefveoxMeeW, efveosMe Fl³eeefo kesÀ heéJeOeeveeW keÀe GuuebIeve veneR neslee nw,
Devegheeueve keÀjsiee.
2) efveosMekeÀ ceb[ue
S) efveosMekeÀ ceb[ue keÀer mebj®evee
yeQkeÀ keÀe ieþve yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 (mece³e-mece³e hej ³eLee-mebMeesefOele), kesÀ Devegªhe efkeÀ³ee ie³ee nw.
meeceev³e osKejsKe, efoMeeefveoxMe SJeb yeQkeÀ kesÀ J³eJemee³e heýebOeve kesÀ DeefOekeÀej efveosMekeÀ ceb[ue kesÀ heeme efveefnle nQ, efpevekeÀer DeO³e#elee, DeO³e#e Üeje keÀer
peeleer nw.
yeQkeÀ kesÀ efveosMekeÀ ceb[ue keÀe ieþve yeQkeÀkeÀejer efJeefve³ece, 1949, yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970, ³eLee mebMeesefOele
SJeb jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee, 1970, ³eLee mebMeesefOele kesÀ Üeje DeefOeMeeefmele neslee nw.
meceer#eeOeerve Je<e& DeLee&le 2018-19 kesÀ oewjeve, efveosMekeÀ ceb[ue keÀe meb³eespeve efvecveJele Lee:
¬eÀ. veece Oeeefjle heo DeJeefOe (mes-lekeÀ) efoveebkeÀ 31.03.2019 efJeMes<e%elee keÀe #es$e efoveebkeÀ 31.03.2019 keÀes meceehle efJeÊe Je<e& efoveebkeÀ 31.03.2019 keÌ³ee efo. 30 petve,
meb. keÀes yeQkeÀ kesÀ Oeeefjle kesÀ oewjeve mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee yees[& keÀes Dev³e kebÀheveer keÀer 2018 keÀes Debeflece
FeqkeÌJeìer Mes³ej keÀer meefceefle keÀer meom³elee/ DeO³e#elee keÀer efveosMekeÀlee SpeerSce keÀer yewþkeÀ ceW
mebK³ee meom³e DeO³e#e GheeqmLele Les
1. Þeer leheve je³e iewj-keÀe³e&keÀejer 23.05.2018 mes efvejbkeÀ efJeÊe, DeLe&Meem$e, DeejScemeer, DeejSceme, efveosMekeÀ peer neb
DeO³e#e lekeÀveerkeÀ, efJeefOe, hetbpeer SueJeerSHeÀmeer, SueJeerSHeÀmeer
yeepeej, heýebOeve, efJeosMeer SmeDeejmeer, SmeDeejmeer,
J³eeheej, peve veerefle SJeb Deejmeer, Deejmeer,
he´Meemeve S®eDeej, S®eDeej,
Svemeer Svemeer
2. Þeer jepeerJe $eÝef<e DeO³e#e SJeb heýebOe 01.08.2013 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, Scemeeryeer, -Fv[es ]peeeqcye³ee yeQkeÀ efue. peer neb
efveosMekeÀ 22.05.2018 DeejScemeer, DeejScemeer, -SeqkeÌpece yeQkeÀ
SueJeerSHeÀmeer SueJeerSHeÀmeer -SkeÌmeheesì& ¬esÀef[ì ieejbìer
meerSmemeer, meerSmemeer, keÀesheexjsMeve
DeeF&ìerSme, JeerDeeF&peer, -Fbef[³eve Fbeqmììîetì Dee@HeÀ
SmeDeejmeer, meerSmeer, yeQeEkeÀie SC[ HeÀeFveQme
JeerDeeF&peer, S®eDeej,
meerSmeer, SceDeejmeer
S®eDeej, meerDeejmeer,
SceDeejmeer, DeejmeerSvemeeryeer,
meerDeejmeer, meerDeejDeeF&[yu³et[er
DeejmeerSvemeeryeer,
meerDeejDeeF&[yu³et[er
63
heýebOe efveosMekeÀ SJeb 23.05.2018 mes Scemeeryeer, Scemeeryeer,
cegK³e keÀe³e&keÀejer 31.07.2018 DeejScemeer, meerSmemeer,
DeefOekeÀejer SueJeerSHeÀmeer JeerDeeF&peer,
meerSmemeer, meerSmeer,
DeeF&ìerSme, SceDeejmeer
SmeDeejmeer, meerDeejmeer,
JeerDeeF&peer, DeejmeerSvemeeryeer,
meerSmeer, meerDeejDeeF&[yu³et[er
S®eDeej,
SceDeejmeer,
meerDeejmeer,
3. Þeer heuueJe cenehee$e heýebOe efveosMekeÀ SJeb 21.09.2018 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, Scemeeryeer, (1)SveDeeF&yeerSce kesÀ ieJee\veie SpeerSce keÀer leejerKe keÀes
cegK³e keÀe³e&keÀejer DeejScemeer, meerSmemeer, yees[& kesÀ meom³e efveosMekeÀ veneR
DeefOekeÀejer SueJeerSHeÀmeer JeerDeeF&peer, (2)DeeF&DeeF&yeerSHeÀ kesÀ
meerSmemeer, meerSmeer, ieJee\veie yees[& kesÀ meom³e
DeeF&ìerSme, SceDeejmeer (3)DeeF&DeeF&yeerSce, iegJeeneìer
SmeDeejmeer, meerDeejmeer, kesÀ ieJee\veie yees[& kesÀ meom³e
JeerDeeF&peer, DeejmeerSvemeeryeer,
meerSmeer, meerDeejDeeF&[yu³et[er
S®eDeej,
SceDeejmeer,
meerDeejmeer,
4. Þeer yeer.kesÀ. efoJeekeÀj keÀe³e&heeuekeÀ efveosMekeÀ 23.01.2014 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, efvejbkeÀ ueeiet veneR peer neb
22.1.2019 lekeÀ Smeeryeer,
DeejScemeer,
SueJeerSHeÀmeer
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer,
meerSmeer,
S®eDeej,
SceDeejmeer,
meerDeejmeer
5. Þeer heer jceCe cetefle& keÀe³e&heeuekeÀ efveosMekeÀ 17.02.2017 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, efvejbkeÀ - mesvì yeQkeÀ nesce HeÀeFveQme peer veneR
Smeeryeer, efue.
DeejScemeer, -v³et Fbef[³ee SM³egjsvme
SueJeerSHeÀmeer kebÀ. efue.
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer,
meerSmeer,
S®eDeej,
SceDeejmeer,
meerDeejmeer
64
6. Þeer yeer Sme MesKeeJele keÀe³e&hee uekeÀ 09.10.2017 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, efvejbkeÀ mesvì yeQkeÀ HeÀeFveQefme³eue peer neb
efveosMekeÀ DeejScemeer, mee|Jemesme efue.
SueJeerSHeÀmeer
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer,
meerSmeer,
S®eDeej,
SceDeejmeer,
meerDeejmeer
7. Þeer DeeueeskeÀ ÞeerJeemleJe keÀe³e&hee uekeÀ 23.01.2019 mes efvejbkeÀ yeQeEkeÀie Scemeeryeer, efvejbkeÀ efvejbkeÀ SpeerSce keÀer leejerKe keÀes
efveosMekeÀ DeejScemeer, efveosMekeÀ veneR
SueJeerSHeÀmeer
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer,
meerSmeer,
S®eDeej,
SceDeejmeer,
meerDeejmeer
8. Þeer ieeseEJeo ceesnve Yeejle mejkeÀej Üeje 17.08.2017 mes efvejbkeÀ efJeÊe SJeb DeLe&Meem$e Smeeryeer, Deejmeer, ueeiet veneR SpeerSce keÀer leejerKe keÀes
ceveesveerle efveosMekeÀ 14.05.2018 lekeÀ DeejScemeer, veeceebkeÀve efveosMekeÀ veneR
SueJeerSHeÀmeer
Deejmeer,
Jeermeer,
SceDeejmeer,
S®eDeej,
veeceebkeÀve
9. [e@. Yet<eCe kegÀceej Yeejle mejkeÀej Üeje 14.05.2018 mes efvejbkeÀ efJeÊe SJeb DeLe&Meem$e Smeeryeer, efvejbkeÀ DeeF&SHeÀmeerDeeF& peer veneR
efmevne ceveesveerle efveosMekeÀ DeejScemeer,
SueJeerSHeÀmeer
Deejmeer,
Jeermeer,
SceDeejmeer,
S®eDeej,
veeceebkeÀve,
DeeF&ìerSme
10 Þeer MesKej Yeìveeiej YeeefjyeQ Üeje ceveesveerle 13.03.2014 mes efvejbkeÀ yeQeEkeÀie SJeb efJeÊe Scemeeryeer, efvejbkeÀ efvejbkeÀ peer veneR
efveosMekeÀ Smeeryeer,
Deejmeer,
JeerDeeF&peer
11 Þeer kesÀ. Deej. Mes³ej OeejkeÀ Üeje efoveebkeÀ 163 meveoer uesKeekeÀej Scemeeryeer, DeeF&ìerSme ueeiet veneR peer veneR
heìsue veeefcele efveosMekeÀ 01.07.2015 mes DeeF&ìerSme, SmeDeejmeer
30.06.2018 lekeÀ SmeDeejmeer,
DeejScemeer,
meerSmemeer,
S®eDeej,
meerDeejDeeF&
[yu³et[er
65
12 Þeer Sve efvel³eevebo DebMekeÀeueerve 21.06.2016 mes efvejbkeÀ meveoer uesKeekeÀej Smeeryeer, Smeeryeer, efvejbkeÀ peer neb
iewj-mejkeÀejer DeejScemeer, DeeF&ìerSme,
efveosMekeÀ SueJeerSHeÀmeer, meermeer
SmeDeejmeer,
meerSmemeer,
veeceebkeÀve,
meerDeejDeeF&
[yu³et[er,
meermeer
13 [e@. Deelceevevo DebMekeÀeueerve 27.12.2017 mes efvejbkeÀ DeLe&Meem$e Scemeer, efvejbkeÀ heerìermeer Fbef[³ee efue. peer veneR
iewj-mejkeÀejer meerSmemeer,
efveosMekeÀ DeeF&ìerSme,
SmeDeejmeer
DeejScemeer,
veeceebkeÀve,
meermeer
14 Þeerceleer efceefve DeeF&he Mes³ejOeejkeÀ 01.07.2018 100 efJeÊe Scemeer, efvejbkeÀ efvejbkeÀ SpeerSce keÀer leejerKe
efveosMekeÀ DeejScemeer, keÀes efveosMekeÀ veneR
SmeDeejmeer,
SceDeejmeer,
meermeer
heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer leLee keÀe³e&heeuekeÀ efveosMekeÀieCe yeQkeÀ kesÀ hetCe&keÀeefuekeÀ efveosMekeÀ nQ.
Scemeeryeer - yees[& keÀer heýebOeve meefceefle
Smeeryeer - yees[& keÀer uesKee hejer#ee meefceefle
DeejScemeer - peesefKece heýebOeve meefceefle
SueJeerSHeÀmeer - G®®e cetu³e keÀer OeesKeeOeæ[er mebyebOeer meefceefle
meerSmemeer - ieénkeÀ mesJee meefceefle
DeeF&ìerSme - met®evee heéwÐeesefiekeÀer keÀe³e&veerefle meefceefle
SmeDeejmeer - mìskeÀnesu[j mecyebOe meefceefle
Deejmeer - heeefjÞeefcekeÀ meefceefle
JeerDeeF&peer - meleke&Àlee meefceefle
meerSmeer - $eÝCe Devegceesove meefceefle
S®eDeej - ceeveJe mebmeeOeve meefceefle
SceDeejmeer - Jemetueer meefceefle keÀer efveiejeveer
meerDeejmeer - hetbpeer Gieener meefceefle
veeceebkeÀve - veeceebkeÀve meefceefle
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DeejmeerSvemeeryeer - GoIeesef<ele iewj men³eesieer GOeejkeÀlee&DeeW nsleg meceer#ee meefceefle

meerDeejDeeF&[yu³et[er - Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve keÀer meceer#ee nsleg meefceefle
meermeer - #eeflehete|le meefceefle
veS efveosMekeÀeW keÀe mebef#ehle heefj®e³e
1. Þeer leheve je³e, iewj-keÀe³e&keÀejer DeO³e#e – (pevce efleefLe 09.09.1957)
efoveebkeÀ 23 ceF&, 2018 keÀes Yeejle mejkeÀej Üeje mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW Þeer leheve je³e keÀes iewj- keÀe³e&keÀejer DeO³e#e kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee
ie³ee Lee. Þeer leheve je³e, Yeejleer³e he´MeemeefvekeÀ mesJee (mesJeeefveJe=Êe) keÀes efJeÊe, DeLe&Meem$e, lekeÀveerkeÀer, efJeefOe, hetbpeer yeepeej, heýebOeve, efJeosMeer J³eeheej,
peve veerefle SJeb he´Meemeve kesÀ #es$e ceW Je=no %eeve SJeb DevegYeJe heéhle nw. iewj-keÀe³e&keÀejer DeO³e#e kesÀ ªhe ceW mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW efve³egefÊeÀ
heéhle keÀjves mes hetJe&, Þeer leheve je³e, iegpejele kewÀ[j kesÀ Yeejleer³e he´MeemeefvekeÀ mesJee (DeeF&SSme) kesÀ ªhe ceW 35 Je<eeX keÀer mesJee kesÀ he½eele, meef®eJe,
efceefvemìêr Dee@HeÀ keÀe@heexjsì DeHesÀ³eme&, Yeejle mejkeÀej kesÀ ªhe ceW keÀe³e& keÀj ®egkesÀ nQ. Deeheves Yeejleer³e heéwÐeesefiekeÀer mebmLeeve, veF& efouueer mes cewkesÀefvekeÀue
Fbpeerefve³eeEjie ceW ef[ieér neefmeue keÀer nw. Deeheves Jeg[jes efJeuemeve mketÀue, eEhe´mìve efJeéeefJeÐeeue³e, ³etSmeS mes heeqyuekeÀ hee@efuemeer ceW heesmì ie´spegSì Deewj
cewkeÌmeJesue mketÀue, efmejekeÀe@me efJeéeefJeÐeeue³e, ³etSmeS mes heeqyuekeÀ S[efceefvemì^sMeve ceW ceemìj ef[ieér Yeer neefmeue keÀer nw. Þeer je³e ves Yeejleer³e efJeosMeer
J³eeheej mebmLeeve, veF& efouueer mes efJeosMeer J³eeheej ceW SipeskeÌ³etefìJe ceemìme& Yeer efkeÀ³ee nw. Deeheves keÀevetve Deewj Debleje&äêr³e J³eeheej ceW Yeer ef[ieér neefmeue
keÀer nw. Deeheves Yeejle mejkeÀej kesÀ efJeefYeVe ceb$eeue³eeW, pewmes- j#ee, keÀheæ[e, efJeÐegle Gpee&, efJe%eeve SJeb lekeÀveerkeÀer, met®evee heéwÐeesefiekeÀer SJeb ³eespevee
ceb$eeue³eeW ceW Deheveer mesJee³eW heóeve keÀer nQ. Deehe iegpejele jep³e ceW efJeÊeer³e efJeYeeie ceW cegK³e meef®eJe heo hej mesJee heóeve keÀj ®egkesÀ nQ. Þeer je³e iegpejele
jep³e hesìêsefue³ece keÀe@heexjsMeve efue. (peerSmeheermeer) SJeb iegpejele jep³e hesìêsvesì efue. (peerSmeheerSue) kesÀ heýebOe efveosMekeÀ Yeer Les. Deehe peerSmeheermeer/
peerSmeheerSue kesÀ Dev³e mecetn keÀcheefve³eeW kesÀ yees[& ceW Yeer jns nw. Deeheves meef®eJe (keÀe@heexjsì DeHesÀ³eme&), kesÀ ªhe ceW mesyeer kesÀ yees[& ceW Yeer Deheveer mesJee³eW
heóeve keÀer nw.
2. Þeer heuueJe cenehee$e, heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer (pevce efleefLe 25.02.2961)
efoveebkeÀ 21.09.2018 mes Yeejle mejkeÀej Üeje Þeer heuueJe cenehee$e keÀes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer
DeefOekeÀejer kesÀ heo hej efve³egÊeÀ efkeÀ³ee ie³ee Lee. Þeer cenehee$e ves Sce.S. Deewj meerSDeeF&DeeF&yeer keÀer ef[ieér heéhle keÀer nw. Deeheves, Dehevee keÀefj³ej
Yeejleer³e mìsì yeQkeÀ ceW heésyesMevejer DeefOekeÀejer kesÀ ªhe ceW Je<e& 1983 ceW Meg© efkeÀ³ee. Deeheves Yeejleer³e mìsì yewkeÀ ceW meeæ{s leerve omekeÀeW mes Yeer DeefOekeÀ
mece³e lekeÀ efJeefYeVe cenlJehetCe& oeef³elJe mebYeeues nQ efpemeceW cegK³e keÀe³e&keÀejer DeefOekeÀejer, SmeyeerDeeF& keÀe[dme&, Ghe ceneheýebOekeÀ, heefj³eespevee heýebOeve,
ve³es J³eJemee³e keÀe@heexjsì kesÀvê, heýebOe efveosMekeÀ SmeyeerDeeF& keÀmìesef[³eue mee|Jemesme heé.efue. SJeb Ghe DeO³e#e (¬esÀef[ì SJeb HeÀe@jskeÌme), SmeyeerDeeF&
(kewÀefueHeÀese|ve³ee) uee@me Sbpesuesme Meeefceue nQ. Ghe heýebOe efveosMekeÀ (oyeeJeie´mle Deeeqmle heýebOeve mecetn) kesÀ ªhe ceW efve³egÊeÀ nesves kesÀ hetJe&, Deehe cegK³e
ceneheýebOekeÀ, SmeyeerDeeF& v³et efouueer meke&Àue kesÀ heo hej Les.
3. Þeer DeeueeskeÀ ÞeerJeemleJe (pevce efleefLe 22.11.1962)
Þeer DeeueeskeÀ ÞeerJeemleJe ves DeLe&Meem$e ceW mveekeÀesÊej SJeb SceyeerS (HeÀeFveQMe) keÀer ef[ieér heéhle keÀer nw. Je<e& 1985 ceW Deeheves hebpeeye vewMeveue yeQkeÀ ceW
ceQvespeceWì ì^sveer kesÀ ªhe ceW Dehevee keÀefj³ej Meg© efkeÀ³ee. DeehekeÀes yeQeEkeÀie kesÀ #es$e ceW 33 Je<eeX mes Yeer DeefOekeÀ keÀe DevegYeJe heéhle nw, efpemeceW yeQeEkeÀie kesÀ
ueieYeie meYeer cegK³e efnmmeeW, MeeKeeDeeW, he´MeemeefvekeÀ keÀe³ee&ue³eeW Fl³eeefo ceW Deeheves keÀe³e& efkeÀ³ee nw.
4. [e@. Yet<eCe kegÀceej efmevne, Yeejle mejkeÀej ceveesefvele efveosMekeÀ (pevce efleefLe 20.07.1964)
[e@. Yet<eCe kegÀceej efmevne, efoveebkeÀ 14.05.2018 mes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW Yeejle mejkeÀej ceveesefvele efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ ngS Les. [e@.
efmevne efJeÊeer³e DeO³e³eve efJeYeeie, efouueer efJeéeefJeÐeeue³e mes efJeÊeer³e DeLe&Meem$e ceW heerS®e[er SJeb vesMeveue ie´spegSì mkegÀue Dee@HeÀ cewvespeceWì (SvepeerSmeSce),
Dee@mì^sefue³eve vesMeveue ³etefveJee|meìer (SSve³et), kesÀveyesje, Dee@mì^sefue³ee mes SceyeerS efkeÀ³ee nw. [e@. efmevne Yeejleer³e efJeÊeer³e mesJee kesÀ 1993 yew®e mes nQ
SJeb Jele&ceeve ceW efJeÊeer³e mesJeeSb efJeYeeie ([erSHeÀSme), efJeÊe ceb$eeue³e, Yeejle mejkeÀej ceW meb³egÊeÀ meef®eJe kesÀ heo hej nw. Jele&ceeve kesÀ meb³egÊeÀ meef®eJe
kesÀ keÀe³e&Yeej kesÀ hetJe&, Deehe [erSHeÀSme ceW Deee|LekeÀ meueenkeÀej Les. ceF& 2018 ceW [erSHeÀSme ceW efve³egÊeÀ nesves kesÀ hetJe&, [e@. efmevne ves efveJesMe SJeb
meeJe&peefvekeÀ mebheefÊe heýebOeve ([erDeeF&heerSSce) ceW Deee|LekeÀ meueenkeÀej kesÀ ªhe ceW 3 Je<eeX keÀe keÀe³e&keÀeue hetje efkeÀ³ee nw.
5. Þeerceleer efceveer DeeF&he (pevce efleefLe 19.08.1963)
Þeerceleer efceveer DeeF&he ves efJeÊe, ceekexÀeEìie SJeb ceeveJe mebmeeOeve kesÀ #es$e ceW efYeVe-efYeVe he´keÀej keÀer DevegYeJe heéhle keÀer nw SJeb Jele&ceeve ceW Deeb®eefuekeÀ
heýebOekeÀ, oef#eCe ceO³e Deeb®eefuekeÀ keÀe³ee&ue³e, Yeejleer³e peerJeve yeercee efveiece (SueDeeF&meer), nwojeyeeo kesÀ heo hej keÀe³e&jle nw. Deeheves SueDeeF&meer ceW
67
keÀe³e&heeuekeÀ efveosMekeÀ (Smeyeer³et-Debleje&äêr³e heefj®eeueve) kesÀ heo hej Yeer keÀe³e& efkeÀ³ee nw. Deehe SueDeeF&meer S®eSHeÀSue neGeEmeie HeÀeFveQMe mee|Jemesme efue.
ceW efveosMekeÀ SJeb meerF&Dees Yeer Leer. Þeerceleer efceveer DeeF&he ves SueDeeF&meer ceW #es$eer³e heýebOekeÀ, Smìsìdme SJeb heer SC[ DeeF&Deej leLee meef®eJe, F&Deej SC[
ceekexÀeEìie kesÀ ªhe ceW keÀe³e& efkeÀ³ee nw.
6. Þeer Leesceme cewL³et (pevce efleefLe 13.11.1965)
Þeer Leesceme cewL³et, efoveebkeÀ 26.04.2019 mes Þeer MesKej Yeìveeiej kesÀ mLeeve hej DeejyeerDeeF& ceveesefvele efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ ngS Les. Þeer cewL³et
Jele&ceeve ceW #es$eer³e efveosMekeÀ, Yeejleer³e efjpeJe& yeQkeÀ, peccet kesÀ heo hej nw.
Dev³e efveosMekeÀeW kesÀ efJeJejCe
1. Þeer heer jceCe cetefle&, keÀe³e&heeuekeÀ efveosMekeÀ (pevce efleefLe 16.05.1964)
Þeer heer jceCe cetefle& ke=Àef<e efJe%eeve ceW mveelekeÀ SJeb meerSDeeF&DeeF&yeer nQ. Deeheves efoveebkeÀ 16.01.1989 keÀes Fueeneyeeo yeQkeÀ ke=Àef<e HeÀeru[ DeefOekeÀejer kesÀ
ªhe ceW keÀe³e&ieńCe efkeÀ³ee. efoveebkeÀ 17.02.2017 keÀes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW keÀe³e&ieńCe keÀjves kesÀ hetJe& Deehe
efoveebkeÀ 10.05.2014 keÀes ceneheýebOekeÀ kesÀ heo hej heoesVele ngS SJeb efoveebkeÀ 19.05.2014 mes HeÀeru[ ceneheýebOekeÀ kesÀ ªhe ceW keÀe³e&jle Les.
Þeer cetefle& ves keÀF& heéfleeqÿle heéfMe#eCe keÀe³e&¬eÀceeW pewmes kesÀuee@ime mketÀue Dee@HeÀ ceWpeceWì, efMekeÀeiees, ³etSmeS mes ueer[jMeerhe HeÀesj keÀesheexjsì SkeÌmeueWMe SJeb
DeeF&DeeF&Sce, keÀesuekeÀelee mes ueer[jMeerhe SkeÌmeueWMe ceW Yeeie efue³ee nw.
2. Þeer yeer. Sme. MesKeeJele, keÀe³e&heeuekeÀ efveosMekeÀ - (pevce efleefLe 27.06.1962)
Þeer yeer. Sme. MesKeeJele keÀes efoveebkeÀ 09.10.2017 mes Yeejle mejkeÀej Üeje mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ
efkeÀ³ee ie³ee nw. Þeer MesKeeJele Deeveme& meefnle ke=Àef<e efJe%eeve mveelekeÀ SJeb meerSDeeF&DeeF&yeer nQ. GvneWves DeeF&DeeF&Sce yeQieueg© mes heýebOeve ceW mveekeÀeslej
meee|ìefHeÀkesÀì keÀesme& hetCe& efkeÀ³ee nw. GvneWves Je<e& 1986 ceW mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ceW ke=Àef<e efJeÊe DeefOekeÀejer kesÀ ªhe ceW Dehevee keÀefj³ej DeejcYe
efkeÀ³ee Lee. Deheves 31 Je<eeX keÀer uecyeer keÀe³e&DeJeefOe kesÀ oewjeve, GvneWves efJeefYeVe #es$eeW SJeb mLeeveeW keÀer MeeKeeDeeW, pe³ehegj SJeb jeb®eer #es$e ceW #es$eer³e
heýebOekeÀ, hegCes SJeb efouueer Deb®eueeW ceW Deeb®eefuekeÀ heýebOekeÀ kesÀ ªhe ceW keÀe³e& efkeÀ³ee nw. GvneWves keÀe@heexjsì keÀe³ee&ue³e ceW oes Je<eeX lekeÀ yeQkeÀ kesÀ ceeveJe
mebmeeOeve efJeYeeie kesÀ hećegKe kesÀ ªhe ceW Yeer keÀe³e& efkeÀ³ee nw. Fme heoesVeefle kesÀ legjble hetJe&, Jes yeQkeÀ kesÀ heéLeefcekeÀlee #es$e SJeb efJeÊeer³e meceeJesMeve kesÀ hećegKe
Les.
3. Þeer MesKej Yeìveeiej, DeejyeerDeeF& ceveesveerle efveosMekeÀ (pevce-efleefLe 17.07.1958)
Þeer Yeìveeiej, yeer.Sme.meer., Sce.S. (ueKeveT efJeéeefJeÐeeue³e) SJeb SHeÀ.Sce.Sme., veF& efouueer mes SceyeerS (efJeÊe) nQ. Deeheves Je<e& 1984 ceW Yeejleer³e
efj]peJe& yeQkeÀ ceW SkeÀ DeefOekeÀejer (ie´s[ `yeer’) kesÀ heo hej keÀe³e&ieńCe efkeÀ³ee SJeb DeejyeerDeeF& kesÀ cegêe heýebOeve, yeQeEkeÀie, yeQeEkeÀie he³e&Jes#eCe efJeYeeie SJeb
iewj yeQeEkeÀie he³e&Jes#eCe efJeYeeie pewmes efJeefYeVe efJeYeeieeW ceW efJeefYeVe heoeW hej keÀe³e& efkeÀ³ee nw. GvneWves Yeejleer³e efjpeJe& yeQkeÀ, keÀevehegj, GÊej heósMe ceW #es$eer³e
efveosMekeÀ kesÀ ªhe ceW Yeer keÀe³e& efkeÀ³ee Lee. Jele&ceeve ceW Deehe Yeejleer³e efj]peJe& yeQkeÀ, kesÀvêer³e keÀe³ee&ue³e,cegcyeF&, ceW cegK³e ceneheýebOekeÀ – efJeosMeer efJeefvece³e
efJeYeeie,kesÀ ªhe ceW keÀe³e&jle nw. Þeer MesKej Yeìveeiej efoveebkeÀ 26.04.2019 mes yeQkeÀ kesÀ efveosMekeÀ Heo Hej veneR nw.
4. Þeer Sve efvel³eevebo, DebMekeÀeueerve iewj-mejkeÀejer efveosMekeÀ (pevce efleefLe 20.05.1955)
Þeer efvel³eevebo JeeefCep³e mveelekeÀ, [er.yeer.S., Sue.Sue.yeer., SHeÀ.meer.S. SJeb J³eJemee³e he´Meemeve kesÀ mveekeÀesÊej ef[heueescee ceW ieesu[ ces[sefuemì nQ.
Þeer efvel³eevebo efheíues 3 oMekeÀeW mes Deheves ieénkeÀeW, mejkeÀej SJeb FkeÀesveesceer kesÀ cetu³e mebJee|Oele mesJeeSb os jns J³eeJemeeef³ekeÀ meveoer uesKeekeÀej nQ.
Deehe ueieYeie 16 Je<eex mes oef#eCe Yeejle mlej SJeb jeäêr³e mlej hej keÀvee&ìkeÀ keÀe heéfleefveefOelJe keÀj jns nQ (efkeÀmeer keÀveeef[iee Üeje meyemes uecyeer).
Deeheves Debleje&äêr³e uesKeekeÀej heefjmebOe (DeeF&SHeÀSmeer), v³et³eeke&À, ³etSmeS, pees efJeée ceW uesKee SJeb uesKee hejer#ee keÀer meyemes G®®e mebmLee nw SJeb oef#eCe
SefMe³ee uesKeekeÀej heefjmebIe (meeke&À keÀer meom³e mebmLee) keÀjeb®eer, heeefkeÀmleeve ceW Yeer Yeejle keÀe heéfleefveefOelJe efkeÀ³ee nw leLee `keÀesheexjsì ieJeveXme’ hej
cesiee Debleje&äêr³e DeefOeJesMeve kesÀ DeO³e#e jns nQ. Deeheves Deee|LekeÀ ceeceueeW keÀer meefceefle kesÀ meueenekeÀej, keÀvee&ìkeÀ ®escyej Dee@HeÀ keÀe@ceme& SJeb Fb[mìêr
(SHeÀDeeF&meermeerDeeF&) heefjmebIe keÀer kesÀvêer³e keÀj meefceefle kesÀ DeO³e#e SJeb men-meueenekeÀej meefnle jep³e SJeb jeäêr³e mlej hej ì^s[, keÀe@ceme& SJeb Fb[mìêr
ceW mesJeeSb oer nw. Deeheves keÀvee&ìkeÀ mejkeÀej, Yeejleer³e efjpeJe& yeQkeÀ (DeejyeerDeeF&), Yeejleer³e heéfleYetefle Deewj efJeefvece³e yees[& (mesyeer), yeercee efJeefve³eecekeÀ
Deewj efJekeÀeme heéefOekeÀjCe (DeeF&Deej[erS), Yeejleer³e ceevekeÀ y³etjes (yeerDeeF&Sme) kesÀ kegÀí cenlJehetCe& meefceefle³eeW hej Yeer mesJeeSb oer nQ.
5. [e@. Deelceevebo, DebMekeÀeueerve iewj-mejkeÀejer efveosMekeÀ (pevce efleefLe 30.06.1959)
heés. ([e@.) Deelceevebo heýebOeve efJekeÀeme mebmLeeve, iegjieebJe kesÀ efveosMekeÀ (DeefleefjÊeÀ heÝeej) Deewj heýebOeve efJekeÀeme mebmLeeve, cege|Meoeyeeo kesÀ efveosMekeÀ nQ.
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Deehe heerìermeer Fbef[³ee efue. kesÀ efveosMekeÀ ceb[ue ceW Yeer nQ. Deehe SceDeeF&[er, iegªieéce ceW [erve Deewj DeLe&Meem$e kesÀ heésHesÀmej Les. Sce[erDeeF& ceW, Deehe
heéfleeqÿle Sce[erDeeF& kesÀ mketÀue Dee@HeÀ Svepeea cewvespeceWì, mketÀue Dee@HeÀ heeqyuekeÀ hee@efuemeer SC[ ieJe&veXme SJeb FkeÌpeerkeÌ³etefìJe heesmì ie´spegSì heésieécme kesÀ
[erve kesÀ ªhe ceW keÀe³e&jle nw. Deehe Sce[erDeeF&, cege|Meoeyeeo kesÀ mebmLeehekeÀ [erve nw. 30 Je<eeX mes DeefOekeÀ mece³e lekeÀ Deeheves DeLe&Meem$e ceW DeO³eeheve,
efjme®e& SJeb kebÀmueìWmeer hej keÀe³e& efkeÀ³ee nw. 5 Je<e& kesÀ mebef#ehle DeuheeJeefOe kesÀ oewjeve, peye ³etSmeSDeeF&[er SJeb Tpee& ceb$eeue³e, Yeejle mejkeÀej kesÀ
men³eesie mes mketÀue Dee@HeÀ Svepeea cewvespeceWì keÀer Meg©Deele keÀer ieF& Leer, leye G®®elej efMe#ee kesÀ #es$e ceW osMeYej ceW Deeheves Fme mketÀue keÀes heéfmeef×
efouee³eer Leer. DeehekesÀ mecehe&Ce Deewj ueieeJe keÀes cetu³eebefkeÀle keÀjles ngS, Gpee& ceb$eeue³e, Yeejle mejkeÀej ves DeehekesÀ keÀe³e&kegÀMeuelee SJeb mecee|hele mesJeeDeeW
keÀes O³eeve ceW jKeles ngS he´Mebmee he$e peejer efkeÀ³ee Lee. Sce[erDeeF& kesÀ yeewef×keÀ SJeb he´MeemeefvekeÀ keÀe³eeX ceW cegK³e Deewj efveCee&³ekeÀ YetefcekeÀe Deoe keÀjves
kesÀ DeueeJee, Deeheves Fmheele ceb$eeue³e, Yeejle mejkeÀej kesÀ Debleie&le mìerue Dee@Leesefjìer Dee@HeÀ Fbef[³ee efueefceìs[ (mesue) ceW mJeleb$e efveosMekeÀ kesÀ ªhe ceW
Yeer keÀe³e& efkeÀ³ee nw. hee@efuemeer efveOee&jCe ceW GvekesÀ ³eesieoeve keÀes cetu³eebefkeÀle keÀjles ngS, mesue kesÀ yees[& ves uesKee hejer#ee meefceefle (DeO³e#e), peesefKece
heýebOeve meefceefle (DeO³e#e) SJeb Dev³e kesÀ keÀe³eeX kesÀ efueS he´Mebmee he$e peejer efkeÀ³ee Lee. Deeheves, Dee³eg<e ceb$eeue³e (meom³e), Yeejle mejkeÀej kesÀ meeLe
Deheves SMeesefmeSMeve, Gpee& ceb$eeue³e, Yeejle mejkeÀej, SìerSHeÀ, kesÀefyevesì meef®eJe, Yeejle mejkeÀej, jep³e efJeÊe Dee³eesie, efyenej meefnle efJeefYeVe jeäêr³e
GÊejoeef³elJe keÀe heo hej keÀe³e& efkeÀ³ee nw. efjme®e&, DeO³eeheve SJeb heéfMe#eCe ceW efJemle=le keÀe³e& keÀjves kesÀ DeueeJee, Deeheves 16 hegmlekeWÀ Deewj DeveskeÀ MeesOe
he$e efueKeW nw. yeQeEkeÀie #es$e ceW GvekeÀer ©ef®e kesÀ keÀejCe, heefj³eespevee efJeÊe, meceeefpekeÀ efJeÊe SJeb J³eJemee³e keÀe Deee|LekeÀ heefj¢M³e hej cenlJe kesÀ meeLe Fme
#es$e ceW GvneWves MeesOe SJeb heéfMe#eCe hej Yeer keÀe³e& efkeÀ³ee nw.
yeer) yees[& yewþkeÀeW keÀe Dee³eespeve
Je<e& kesÀ oewjeve, yees[& keÀer 16 yewþkeWÀ efvecveefueefKele leejerKeeW keÀes Dee³eesefpele keÀer ieF&:
05.05.2018 30.07.2018 13.11.2018 02.02.2019
17.05.2018 10.08.2018 14.11.2018 02.02.2019
25.05.2018 06.09.2018 28.12.2018 25.02.2019
29.06.2018 28.09.2018 18.01.2019 28.03.2019
yees[& keÀer yewþkeÀeW ceW efveosMekeÀeW keÀer GheeqmLeefle keÀe efJeJejCe :
efveosMekeÀeW kesÀ veece ope& GheeqmLeefle keÀe³e&keÀeue kesÀ oewjeve DeJeefOe
Dee³eesefpele yewþkeWÀ (mes-lekeÀ)
Þeer leheve je³e 13 14 23.05.2018 – 31.03.2019
Þeer jepeerJe $eÝef<e 5 5 01.04.2018 – 31.07.2018
Þeer heuueJe cenehee$e 9 9 21.09.2018 – 31.03.2019
Þeer yeer. kesÀ. efoJeekeÀj 11 12 01.04.2018 – 22.01.2019
Þeer heer. Deej. cetefle& 14 16 01.04.2018 – 31.03.2019
Þeer yeer. Sme. MesKeeJele 16 16 01.04.2018 – 31.03.2019
Þeer DeeueeskeÀ ÞeerJeemleJe 4 4 23.01.2019 – 31.03.2019
Þeer ieeseEJeo ceesnve 1 1 01.04.2018 – 14.05.2018
[e@. yeer. kesÀ. efmevne 10 15 14.05.2018 – 31.03.2019
Þeer MesKej Yeìveeiej 16 16 01.04.2018 – 31.03.2019
Þeer kesÀ. Deej. heìsue 4 4 01.04.2018 – 30.06.2018
Þeer Sve. efvel³eevebo 15 16 01.04.2018 – 31.03.2019
heés.([e@.) Delceevebo 16 16 01.04.2018 – 31.03.2019
Þeerceleer efceveer DeeF&he 9 12 01.07.2018 – 31.03.2019
69
3. yees[& keÀer kegÀí meefceefle³eeW keÀe efJeJejCe

i) efveosMekeÀ ceb[ue keÀer heýebOeve meefceefle:
efveosMekeÀ ceb[ue keÀer heýebOeve meefceefle keÀe ieþve jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee, 1970 menheefþle yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW
keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 kesÀ Devegmeej efkeÀ³ee ie³ee nw SJeb ³en yees[& ceW efveefnle efJeÊeer³e mJeerke=Àefle³eeb, mecePeewles/yeÆs Keeles [eueves
mebyebOeer he´mleeJe SJeb Jeeo oe³ej/Deheerue Fl³eeefo mebyebOeer MeefÊeÀ³eeW keÀe he´³eesie keÀjleer nw, efoveebkeÀ 31.03.2019 keÀes Fme meefceefle ceW 7 meom³e Les,
efpeveceW heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer, 3 keÀe³e&heeuekeÀ efveosMekeÀ, Yeejleer³e efjpeJe& yeQkeÀ kesÀ ceveesveerle efveosMekeÀ SJeb 2 Dev³e
efveosMekeÀ, efpeveceW 1 Mes³ej OeejkeÀ Üeje veeefcele efveosMekeÀ, leLee 1 DebMekeÀeueerve iewj-mejkeÀejer efveosMekeÀ Meeefceue nQ, SkeÀ heo efjÊeÀ nw. DebMekeÀeueerve
efveosMekeÀ keÀe he´l³eskeÀ í: ceen ceW DeeJele&ve efkeÀ³ee peelee nw.
Je<e& kesÀ oewjeve efveosMekeÀ ceb[ue keÀer heýebOeve meefceefle keÀer 20 yewþkeWÀ efvecveefueefKele efleefLe³eeW ceW Dee³eesefpele keÀer ieF&.
05.05.2018 27.08.2018 14.11.2018 14.01.2019 27.02.2019
24.05.2018 06.09.2018 30.11.2018 18.01.2019 06.03.2019
29.06.2018 28.09.2018 15.12.2018 02.02.2019 18.03.2019
30.07.2018 01.11.2018 28.12.2018 18.02.2019 27.03.2019
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej nw:
efveosMekeÀeW kesÀ veece GheeqmLeefle DeefYeuesKe keÀe³e&keÀeue kesÀ oewjeve heýebOeve meefceefle keÀer DeJeefOe
Dee³eesefpele yewþkeWÀ (mes – lekeÀ)
Þeer yeer.kesÀ.efoJeekeÀj 13 14 01.04.2018 – 22.01.2019
Þeer kesÀ.Deej. heìsue 1 2 01.04.2018 – 30.06.2018
heés.([e@.) Delceevebo 20 20 01.04.2018 – 31.03.2019
ii) $eÝCe Devegceesove meefceefle:
jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee,1970 kesÀ Keb[ 13S kesÀ Devegmeej, efoveebkeÀ 31.01.2012 keÀes efveosMekeÀ ceC[ue keÀer $eÝCe
Devegceesove meefceefle keÀe ieþve efkeÀ³ee ie³ee nw. ` 400 keÀjesæ[ lekeÀ kesÀ $eÝCe he´mleeJe, `10 keÀjesæ[ lekeÀ kesÀ mecePeewlee/yeÆs Keeles Fl³eeefo kesÀ he´mleeJe
mebyebOeer yees[& ceW efveefnle MeefÊeÀ³eeW keÀe he´³eesie keÀjleer nw. Jele&ceeve meefceefle ceW heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer, keÀe³e&heeuekeÀ efveosMekeÀ SJeb
heÝeejer ceneheýebOekeÀ peesefKece heýebOeve, $eÝCe, Keeles/efJeÊe hees<eCe SJeb Jemetueer Meeefceue nQ.
Je<e& kesÀ oewjeve $eÝCe Devegceesove meefceefle keÀer 21 yewþkeWÀ Dee³eesefpele keÀer ieF&.
24.04.2018 20.06.2018 15.11.2018 12.02.2019 29.03.2019
05.05.2018 30.06.2018 30.11.2018 22.02.2019
21.05.2018 16.07.2018 21.12.2018 05.03.2019
06.06.2018 29.09.2018 08.01.2019 14.03.2019
14.06.2018 19.10.2018 30.01.2019 25.03.2019
70
iii) yees[& keÀer uesKee hejer#ee meefceefle

yees[& keÀer uesKee hejer#ee meefceefle(Smeeryeer) keÀe ieþve Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej, efveosMekeÀ ceb[ue Üeje efkeÀ³ee ie³ee nw. Smeeryeer
efoMeeefveoxMe osves kesÀ meeLe-meeLe yeQkeÀ ceW DeebleefjkeÀ uesKee hejer#ee Deewj efvejer#eCe kesÀ mebieþve, heefj®eeueve heÜefle leLee iegCeJeÊee efve³eb$eCe Deewj yeQkeÀ keÀer
meebefJeefOekeÀ/yee¿e uesKee hejer#ee leLee Yeejleer³e efjpeJe& yeQkeÀ kesÀ efvejer#eCeeW keÀer DevegJeleea keÀej&JeeF& meefnle yeQkeÀ kesÀ meceie´ uesKee keÀe³e& kesÀ heefj®eeueveeW keÀe
he³e&Jes#eCe keÀjleer nw.
Deblej-MeeKee mecee³eespeve KeeleeW, Deblej-yeQkeÀ SJeb vee@mìês KeeleeW ceW uebyes mece³e mes yekeÀe³ee hegjeveer heéfJeeqä³eeW, yener meblegueve keÀe hegjevee yekeÀe³ee keÀe³e&,
OeesKeeOeæ[er SJeb neGmekeÀereEheie kesÀ Dev³e hećegKe #es$eeW hej efJeMes<e O³eeve kesÀeqvêle keÀjles ngS yeQkeÀ keÀer DeebleefjkeÀ uesKee hejer#ee, DeebleefjkeÀ efvejer#eCe/uesKee
hejer#ee keÀer meceer#ee;
Yeejleer³e efjpeJe& yeQkeÀ kesÀ DevegosMeevegmeej, yeQkeÀ ceW efve³egÊeÀ Devegheeueve DeefOekeÀejer mes De×&-Jeee|<ekeÀ efjheesì& heéhle keÀjvee leLee GvekeÀer meceer#ee keÀjvee;
yees[& keÀes he´mlegle keÀjves kesÀ hetJe& uesKee-hejer#ekeÀeW kesÀ DeJeueeskeÀveeW meefnle mJeleb$e uesKeehejer#ee kesÀ keÀe³e&#es$e keÀer meceer#ee Deewj efleceener, De×&-Jeee|<ekeÀ SJeb
Jeee|<ekeÀ efJeÊeer³e efjheesìeX keÀer meceer#ee keÀjvee;
efleceener/De×&-Jeee|<ekeÀ/Jeee|<ekeÀ efJeÊeer³e KeeleeW Deewj efjheesìeX keÀes Debeflece ªhe osves kesÀ hetJe& meebefJeefOekeÀ uesKee hejer#ee kesÀ mebyebOe ceW, ueebie HeÀe@ce& Dee@ef[ì
efjheesì& (SueSHeÀSDeej) ceW GþeS ie³es mecemle cegÎeW SJeb yee¿e uesKee hejer#ekeÀeW mes ®e®ee& keÀjles ngS DevegJeleea keÀej&JeeF& keÀjvee;
uesKeeW, uesKeebkeÀve veerefle³eeW SJeb he´keÀìerkeÀjCeeW keÀer efve³eefcele meceer#ee;
heýebOeleb$e kesÀ efveCe&³e keÀer keÀej&JeeF& hej DeeOeeefjle hećegKe heéfJeeqä³eeW keÀer meceer#ee SJeb uesKee-hejer#ee mes GlheVe cenlJehetCe& mecee³eespeveeW keÀer meceer#ee keÀjvee;
cemeewoe uesKee-hejer#ee efjheesì& ceW keÀefce³eeb;
uesKee hejer#ee kesÀ he½eele efkeÀmeer cenlJehetCe& O³eeve osves ³eesi³e #es$e keÀe helee ueieeves kesÀ efue³es uesKee hejer#ekeÀeW kesÀ meeLe ®e®ee& keÀjvee;
DeebleefjkeÀ uesKee-hejer#ee kesÀ keÀe³e&#es$e DeeJeM³ekeÀlee Deewj yeejbyeejlee efveeq½ele keÀjvee, DeebleefjkeÀ uesKee hejer#ekeÀeW kesÀ efve<keÀ<eeX keÀer meceer#ee Deewj
DeebleefjkeÀ efve³eb$eCe heĆeeueer keÀer he³ee&hlelee megefveeq½ele keÀjvee;
peneb lekeÀ ueeiet nes, efJeÊeer³e efJeJejCeeW kesÀ mebyebOe ceW ueeiet mìe@keÀ SkeÌme®eWpe keÀer efJeefOekeÀ DeeJeM³ekeÀleeDeeW keÀe Devegheeueve;
meebefJeefOekeÀ, DevegyebefOele DeLeJee efJeefve³eecekeÀeW keÀer mece³e-mece³e hej Jeebefíle Dev³e meYeer ceeceueeW mes mebyebefOele Dehes#eeSb hetjer keÀjves kesÀ keÀe³e& keÀes uesKee
hejer#ee meefceefle osKesieer;
yees[& keÀer uesKee hejer#ee meefceefle ceW kesÀvêer³e uesKee hejer#ee SJeb efvejer#eCe kesÀ heÝeejer keÀe³e&heeuekeÀ efveosMekeÀ, Yeejle mejkeÀej kesÀ veeefcele efveosMekeÀ, Yeejleer³e
efjpeJe& yeQkeÀ kesÀ veeefcele efveosMekeÀ SJeb oes iewj mejkeÀejer iewj-keÀe³e&heeuekeÀ efveosMekeÀ, efpeveceW mes keÀce mes keÀce SkeÀ meveoer uesKeekeÀej nesvee ®eeefn³es, Meeefceue
neWies. mìeHeÀ efveosMekeÀ Smeeryeer ceW Meeefceue veneR efkeÀ³es pee³eWies. 31.03.2019 keÀes, Smeeryeer ceW SkeÀ heo efjÊeÀ nw, keÌ³eeWefkeÀ meefceefle ceW veeceebefkeÀle keÀjves kesÀ
efueS keÀesF& hee$e meom³e veneR nw.
efoveebkeÀ 31.03.2019 keÀes uesKee hejer#ee meefceefle keÀe meb³eespeve efvecveevegmeej nw:
1 Þeer Sve. efvel³eevebo DeO³e#e
2 Þeer heer. Deej. cetefle& meom³e
3 [e@. Yet<eCe kegÀceej efmevne meom³e
4 Þeer MesKej Yeìveeiej meom³e
Je<e& kesÀ oewjeve, uesKee hejer#ee meefceefle keÀer 11 yewþkeWÀ Dee³eesefpele keÀer ieF&.
17.05.2018 13.07.2018 28.09.2018 14.11.2018 02.02.2019 11.03.2019
25.05.2018 30.07.2018 13.11.2018 18.01.2019 06.03.2019
71
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej jne nw:

efveosMekeÀeW kesÀ veece GheeqmLeefle DeefYeuesKe keÀe³e&keÀeue kesÀ oewjeve uesKee hejer#ee meefceefle keÀer
Dee³eesefpele yewþkeWÀ DeJeefOe(mes – lekeÀ)
yeQkeÀ kesÀ iewj-uesKee hejeref#ele efleceener heefjCeece Deewj Je<e& kesÀ uesKee hejeref#ele heefjCeeceeW keÀer meceer#ee yees[& keÀer uesKee hejer#ee meefceefle Üeje keÀer ieF& leLee
efveosMekeÀ ceb[ue kesÀ mece#e DevegceesoveeLe& he´mlegle keÀer ie³eer.
iv) peesefKece heýebOeve meefceefle
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e ¬ebÀ.[eryeerDees[er veb.[erheer(Smemeer)yeermeer/98/21.04.103/39 efoveebkeÀ 7 DeÊetÀyej, 1999 SJeb efoveebkeÀ 20.04.2002 keÀes
Dee³eesefpele yees[& yewþkeÀ keÀer keÀe³e&met®eer meb. yeerSce/01/2002-03/3.2 leLee Yeejleer³e efjpeJe& yeQkeÀ Üeje ieefþle [e@. ieebiegueer mecetn kesÀ efjheesì& kesÀ megPeeJeeW kesÀ
DeeOeej hej yees[& Üeje peesefKece heýebOeve meefceefle keÀe ieþve efkeÀ³ee ie³ee nw. meefceefle ceW DeO³e#e, heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer, keÀe³e&heeuekeÀ
efveosMekeÀieCe, Yeejle mejkeÀej Üeje veeefcele efveosMekeÀ SJeb oes iewj-mejkeÀejer DebMekeÀeefuekeÀ efveosMekeÀ Meeefceue nw. DebMekeÀeueerve iewj-mejkeÀejer efveosMekeÀeW keÀe
he´l³eskeÀ SkeÀ Je<e& kesÀ he½eele DeeJele&ve efkeÀ³ee peelee nw.
yees[& keÀer peesefKece heýebOeve meefceefle keÀe GÎsM³e yeQkeÀ Üeje meecevee efkeÀS pee jns kegÀue peesefKeceeW keÀer ieCevee keÀjvee SJeb peesefKeceeW kesÀ mlej keÀes efveOee&efjle keÀjvee
pees yeQkeÀ kesÀ efnle kesÀ efueS De®íe nes leLee yeQkeÀ kesÀ heefj®eeueveeW mes me=efpele nes jns peesefKeceeW keÀer hen®eeve, efveiejeveer SJeb hewceevee efveOee&efjle keÀjves kesÀ efueS
Dev³e peesefKece heýebOeve mebmLeeveeW mes mecevJe³e mLeeefhele keÀjvee.
Je<e& kesÀ oewjeve, Fme meefceefle keÀer efvecveefueefKele leejerKeeW keÀes 4 yewþkeWÀ Dee³eesefpele keÀer ieF&:
29.06.2018 28.09.2018 28.12.2018 27.03.2019
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej jne nw:
Þeer leheve je³e 4 4 23.05.2018 – 31.03.2019
Þeer ieeseEJeo ceesnve 1 1 01.04.2018 – 30.06.2018
Þeer kesÀ. Deej. heìsue 2 3 01.04.2018 – 31.03.2019
heés. ([e@.) Delceevebo 1 2 01.07.2018 – 31.03.2019
72
v) heeefjÞeefcekeÀ meefceefle SJeb efveosMekeÀeW keÀes heeefjÞeefcekeÀ

hetCe&-keÀeefuekeÀ efveosMekeÀeW keÀes keÀe³e&efve<heeove mebye× heéslmeenve jeefMe kesÀ Yegieleeve kesÀ efueS, efveosMekeÀ ceb[ue keÀer heeefjÞeefcekeÀ meefceefle keÀe ieþve efJeÊe
ceb$eeue³e kesÀ mebhe´s<eCe SHeÀ.veb.20.1.2005-yeerDees-I efoveebkeÀ 09.03.2007 kesÀ Devegmeej efkeÀ³ee ie³ee. Fme meefceefle ceW Yeejle mejkeÀej Üeje veeefcele
efveosMekeÀ, Yeejleer³e efjpeJe& yewkeÀ Üeje veeefcele efveosMekeÀ SJeb 2 mJeleb$e efveosMekeÀ Meeefceue nQ. efJeÊe Je<e& 2018-19 kesÀ oewjeve, hetCe&keÀeefuekeÀ efveosMekeÀeW
keÀes keÀe³e&efve<heeove mebye× heéslmeenve osves hej efJe®eej keÀjves kesÀ efueS heeefjÞeefcekeÀ meefceefle keÀer keÀesF& yewþkeÀ Dee³eesefpele veneR keÀer ieF& nw.
iewj-mejkeÀejer mJeleb$e efveosMekeÀeW / iewj keÀe³e&heeuekeÀ efveosMekeÀeW keÀes efoveebkeÀ 17.01.2019 lekeÀ ceC[ue keÀer he´l³eskeÀ yewþkeÀ ceW GheeqmLele nesves kesÀ efueS
` 20,000/- yewþkeÀ HeÀerme SJeb FmekesÀ he½eele efveosMekeÀ ceb[ue keÀer he´l³eskeÀ yewþkeÀ ceW Meeefceue nesves kesÀ efueS ` 40,000 leLee Fmeer he´keÀej yees[& keÀer
efJeefYeVe Ghe-meefceefle³eeW keÀer he´l³eskeÀ yewþkeÀ ceW Yeeie uesves kesÀ efueS efoveebkeÀ 17.01.2019 lekeÀ ` 10,000/- SJeb GmekesÀ he½eele ` 20,000 yewþkeÀ
HeÀerme keÀe Yegieleeve efkeÀ³ee peelee Lee. heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer, keÀe³e&heeuekeÀ efveosMekeÀieCe SJeb efveosMekeÀieCeeW, pees Yeejle
mejkeÀej / Yeejleer³e efjpeJe& yeQkeÀ kesÀ DeefOekeÀejer nQ, keÀes yewþkeÀ HeÀerme keÀe Yegieleeve veneR efkeÀ³ee peelee nw. Yeejleer³e efjpeJe& yeQkeÀ kesÀ veeefcele efveosMekeÀ keÀes
efoveebkeÀ 1 Deiemle, 2018 mes yewþkeÀ HeÀerme keÀe Yegieleeve efkeÀ³ee peelee nw keÌ³eeWefkeÀ efoveebkeÀ 31.07.2018 keÀes Yeejleer³e efjpeJe& yeQkeÀ mes mesJeeefveJe=Êe ngS
Les. efveosMekeÀ ceC[ue Deewj meefceefle³eeW kesÀ yewþkeÀ keÀer DeO³e#elee keÀjves kesÀ efueS, ¬eÀceMe:` 10,000 SJeb ` 5,000 keÀer DeefleefjÊeÀ yewþkeÀ HeÀerme keÀe
Yegieleeve efkeÀ³ee ie³ee Lee.
efJeÊe Je<e& 2018-19 kesÀ oewjeve, heýebOekeÀ efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer Deewj keÀe³e&heeuekeÀ efveosMekeÀeW keÀes Jesleve, YeÊes SJeb heefjueeqyOe³eeW kesÀ
ªhe ceW kegÀue efvecveefueefKele jeefMe keÀe Yegieleeve efkeÀ³ee ie³ee nw:
¬eÀ.meb veece ` ueeKe ceW
1. Þeer heuueJe cenehee$e, (Sce[er SJeb meerF&Dees) 14.68
2. Þeer jepeerJe $eÝef<e, (meerSce[er/ Sce[er SJeb meerF&Dees) 39.50
3. Þeer yeer. kesÀ. efoJeekeÀj,(keÀe³e&heeuekeÀ efveosMekeÀ) 46.55
4. Þeer heer. Deej. cetefle&, (keÀe³e&heeuekeÀ efveosMekeÀ) 24.98
5. Þeer yeer. Sme. MesKeeJele, (keÀe³e&heeuekeÀ efveosMekeÀ) 24.47
6. Þeer DeeueeskeÀ ÞeerJeemleJe, (keÀe³e&heeuekeÀ efveosMekeÀ) 4.60
meceer#eeOeerve Je<e& kesÀ oewjeve, yeQkeÀ ves hee$e efveosMekeÀeW keÀes yees[& keÀer yewþkeÀeW ceW GheeqmLele jnves kesÀ efueS ` 19,10,000/- (©he³es GVeerme ueeKe ome
npeej cee$e) leLee yees[& keÀer Ghe-meefceefle keÀer yewþkeÀeW ceW GheeqmLele jnves kesÀ efueS ` 19,95,000/- (©he³es GVeerme ueeKe heb®eeveyes npeej cee$e) kesÀ
yewþkeÀ MegukeÀ keÀe Yegieleeve efkeÀ³ee.
vi) veeceebkeÀve meefceefle:
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e ¬ebÀ. [eryeerDees[er veb.yeermeer.veb.46 SJeb 47/29.39.001/2007-08 efoveebkeÀ 1 veJecyej, 2007 kesÀ meeLe heefþle
[eryeerDees[er veb.yeermeerveb.95/29.39.001/2010-11 efoveebkeÀ 23 ceF&, 2011 kesÀ MeleeX kesÀ Devegmeej, yees[& keÀer hee$elee DeLee&le (i) Mewef#ekeÀ ³eesi³elee, (ii)
DevegYeJe SJeb efJeMes<e%elee keÀe #es$e SJeb (iii) ì^skeÀ efjkeÀe@[& Deewj F&ceeveoejer, kesÀ DeeOeej hej DeefOeefve³ece (DeLee&le Mes³ejOeejkeÀ efveosMekeÀ) keÀer Oeeje 9(3)(i)
kesÀ Debleie&le Jele&ceeve efveJee&ef®ele efveosMekeÀ(keÀeW)/Ssmes J³eefÊeÀ pees efveosMekeÀ efve³egÊeÀ nesves Jeeues nw, keÀer èfHeÀì SJeb heéshej’ eqmLeefle keÀes efveOee&efjle keÀjves kesÀ efueS
mecegef®ele meeJeOeeveer keÀer heéf¬eÀ³ee keÀes keÀjves kesÀ efueS yeQkeÀ keÀer veeceebkeÀve meefceefle keÀe ieþve efkeÀ³ee ie³ee nw.
efJeÊe Je<e& 2018-19 kesÀ oewjeve, Mes³ej OeejkeÀ efveosMekeÀ – Þeer kesÀlegue Deej. heìsue kesÀ efHeÀì SJeb heéshej ceeveob[eW keÀes efveOee&efjle keÀjves kesÀ efueS efoveebkeÀ
17.05.2018 keÀes veeceebkeÀve meefceefle keÀer yewþkeÀ Dee³eesefpele keÀer ieF& Leer SJeb meefceefle kesÀ Devegmeej Þeer kesÀlegue Deej. heìsue èfHeÀì SJeb heéshej eqmLeefle’ ceW nQ,
pees leerve Je<e& DeLee&le 1 pegueeF& 2015 mes 30 petve 2018 lekeÀ keÀer DeJeefOe kesÀ efueS yeQeEkeÀie keÀcheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1070
keÀer Oeeje 9(3)(i) kesÀ Debleie&le Mes³ej OeejkeÀ efveosMekeÀeW kesÀ ªhe ceW efveJee&ef®ele efkeÀS ieS nQ.
vii) Mes³ejOeejkeÀeW keÀer mebyebOe meefceefle
mesyeer (met®eerye× yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb)efJeefve³ece 2015 kesÀ meeLe heefþle Mes³ej yeepeej kesÀ met®eerkeÀjCe keÀjej kesÀ Devegheeueve ceW,
mìskeÀOeejkeÀeW keÀer mebyebOe meefceefle keÀe ieþve efJeMes<e leewj hej Mes³ej OeejkeÀeW, ueeYeebMe OeejkeÀeW SJeb Dev³e heéfleYetefle OeejkeÀeW keÀer efMekeÀe³eleeW meefnle Mes³eme& kesÀ
DeblejCe mebyebefOele, Jeee|<ekeÀ efjheesì& keÀer heéeqhle ve nesvee, ueeYeebMe keÀer heéeqhle ve nesves Fl³eeefo mes mebyebefOele Mes³ejOeejkeÀeW/efveJesMekeÀeW keÀer efMekeÀe³eleeW kesÀ efveJeejCe
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keÀer heĆeeueer keÀes osKeves kesÀ efue³es efkeÀ³ee ie³ee nw. Je<e& kesÀ oewjeve, efveJesMekeÀeW mes heéhle meYeer meboYeeX/efMekeÀe³eleeW keÀe GÊej efo³ee pee ®egkeÀe nw/efveheìeve efkeÀ³ee
pee ®egkeÀe nw. meeceev³ele: efveJesMekeÀeW keÀer efMekeÀe³eleeW hej keÀej&JeeF&, mecye× peevekeÀejer heéhle nesves kesÀ meele efoveeW kesÀ Yeerlej keÀj ueer peeleer nw. Fme meefceefle ceW
DeO³e#e, heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer, keÀe³e&heeuekeÀ efveosMekeÀieCe SJeb oes mJeleb$e efveosMekeÀ nQ. efoveebkeÀ 5 ceF&, 2018 lekeÀ Þeer kesÀlegue
heìsue Mes³ejOeejkeÀeW keÀer mebyebOe meefceefle keÀer DeO³e#e Les. leLeeefhe, iewj-keÀe³e&keÀejer DeO³e#e kesÀ efve³egefÊeÀ kesÀ DevegJeleea, Fme meefceefle kesÀ DeO³e#e, iewj-keÀe³e&keÀejer
DeO³e#e ner nw. DebMekeÀeueerve iewj-mejkeÀejer efveosMekeÀeW keÀe he´l³eskeÀ Je<e& kesÀ he½eele DeeJele&ve efkeÀ³ee peelee nw.
Je<e& kesÀ oewjeve, Fme meefceefle keÀer efvecveefueefKele leejerKeeW keÀes 4 yewþkeWÀ Dee³eesefpele keÀer ieF&:
05.05.2018 30.07.2018 13.11.2018 18.01.2019
meefceefle kesÀ meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej nw :
Þeer kesÀlegue heìsue 1 1 01.04.2018 – 30.06.2018
Þeer leheve je³e 3 3 23.05.2018 – 31.03.2019
Þeer yeer.kesÀ. efoJeekeÀj 4 4 01.04.2018 – 22.01.2019
heés. ([e@.) Deelceevebo 4 4 05.05.2018 – 31.03.2019
Je<e& 2018-19 (efoveebkeÀ 01.04.2018 mes 31.03.2019 lekeÀ) kesÀ oewjeve efveJesMekeÀ efMekeÀe³ele keÀe efJeJejCe efvecve he´keÀej nw:
1 Je<e& kesÀ heéjbYe ceW uebefyele efMekeÀe³eleW efvejbkeÀ
2 Deheéhle Mes³ej hećeeCehe$e/Deheéhle Mes³ej kesÀ efueS he$e 01
3 Deheéhle ueeYeebMe Jeejbì 25
4 Deheéhle Jeee|<ekeÀ efjheesì&/F&peerSce met®evee 40
5 Deheéhle OeveJeehemeer DeeosMe 01
6 Deheéhle DemJeerke=Àle [erDeejSHeÀ 01
7 Dev³e (SveSmeF&, yeerSmeF&, mesyeer) 05
8 heéhle kegÀue efMekeÀe³eleW 73
9 efveheìeF&/O³eeve oer ieF& kegÀue efMekeÀe³eleW 73
10 Je<e& kesÀ Deble ceW uebefyele kegÀue efMekeÀe³eleW efvejbkeÀ
nce hegeqä keÀjles nQ efkeÀ efveJesMekeÀ keÀer keÀesF& Yeer efMekeÀe³ele 30 efove mes DeefOekeÀ DeJeefOe nsleg efyevee O³eeve efoS/uebefyele veneR jner nw.
4. Devegheeueve DeefOekeÀejer
Þeer Deevebo kegÀceej oeme, Ghe ceneheýebOekeÀ/kebÀheveer meef®eJe, efveie&ce yeQkeÀj SJeb ef[yeW®ej ì^mìer ieefleefJeefOe kesÀ Devegheeueve DeefOekeÀejer kesÀ DeueeJee Jes yeQkeÀ Üeje peejer
SJeb mìe@keÀ SkeÌme®eWpeeW ceW met®eerye× FeqkeÌJeìer Mes³ejeW leLee DeheefjJele&veer³e $eÝCe heéfleYetefle SJeb efJeefvece³e yees[& (met®eerkeÀjCe, yeeO³eleeSB SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSB)
kesÀ meeLe efkeÀS ieS FeqkeÌJeìer met®eerkeÀjCe keÀjej kesÀ Devegmeej yeQkeÀ kesÀ Devegheeueve DeefOekeÀejer nQ
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5. meeJe&peefvekeÀ efveie&ceeW, jeFì efveie&ceeW, DeefOeceeve efveie&ceeW Fl³eeefo mes heéeqhle³eeb.

efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, yeQkeÀ ves DeefOeceeveer DeeOeej hej Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀes heéfle ` 10 kesÀ DebefkeÀle cetu³e keÀer kegÀue ` 6592
keÀjesæ[ keÀer 142,90,45,682 FeqkeÌJeìer Mes³eme& (kegÀue ` 2354 keÀjesæ[ keÀer heéfle FeqkeÌJeìer Mes³ej ` 56.43 keÀer heérefce³ece meefnle heéfle FeqkeÌJeìer Mes³ej `
66.43 keÀer efveie&ce cetu³e hej 35,43,57,970 FeqkeÌJeìer Mes³ejeW, kegÀue ` 1678 keÀjesæ[ keÀer heéfle FeqkeÌJeìer Mes³ej ` 33.31 keÀer heérefce³ece meefnle heéfle FeqkeÌJeìer
Mes³ej ` 43.31 keÀer efveie&ce cetu³e hej 38,74,39,390 FeqkeÌJeìer Mes³ejeW SJeb kegÀue ` 2560 keÀjesæ[ keÀer heéfle FeqkeÌJeìer Mes³ej ` 27.25 keÀer heérefce³ece meefnle
heéfle FeqkeÌJeìer Mes³ej ` 37.25 keÀer efveie&ce cetu³e hej 68,72,48,322 FeqkeÌJeìer Mes³ejeW keÀes meceeefJeä keÀj) keÀe peejerkeÀjCe SJeb Deeyebìve Üeje ` 6592.00
keÀjesæ[ FeqkeÌJeìer hetbpeer (efoveebkeÀ 19-09-2018 keÀes yeQkeÀ Üeje heéhle ` 2354 keÀjesæ[, efoveebkeÀ 31-12-2018 keÀes yeQkeÀ Üeje heéhle ` 1678 keÀjesæ[ SJeb
efoveebkeÀ 21-02-2019 keÀes yeQkeÀ Üeje heéhle ` 2560 keÀjesæ[ meefnle) keÀer Gieener keÀer nw.
yeQkeÀ ves heéfle FeqkeÌJeìer Mes³ej ` 17 kesÀ heérefce³ece meefnle heéfle FeqkeÌJeìer Mes³ej ` 27 kesÀ efveie&ce cetu³e hej kegÀue ` 212,53,38,048 keÀce&®eejer mìe@keÀ Kejero
³eespevee (F&SmeheerSme) kesÀ Debleie&le hee$e keÀce&®ee&efj³eeW mes FeqkeÌJeìer hetbpeer keÀer Gieener Yeer keÀer nw. ³en jeefMe Mes³ej DeeJesove cegêe Keelee ceW jKeer ngF& nw, FmekesÀ efueS
Mes³ej Deeyebìve ueeqcyele nw.
yeQkeÀ ves efvepeer efve³eespeve DeeOeej hej he´l³eskeÀ ` 10.00 ueeKe kesÀ DebefkeÀle cetu³e kesÀ DeheefjJele&veer³e cees®eveer³e Dejef#ele yeemeue III Devegheeefuele efì³ej 2 yee@v[dme
(meerjerpe-III) kesÀ Je®eve he$e he´ke=Àefle kesÀ peejer SJeb Deeyebefìle keÀj ` 500.00 keÀjesæ[ keÀer Gieener keÀer SJeb he´l³eskeÀ ` 10.00 ueeKe kesÀ 5000 yee@v[dme Deeyebefìle
efkeÀS.
hetbpeer he³ee&hlee Devegheele keÀes cepeyetle keÀjves SJeb yeQkeÀ kesÀ oerIee&JeefOe mebMeeOeveeW keÀes yeæ{eJee osves kesÀ efueS, ³es efveefOe³eeb efì³ej I SJeb efì³ej II keÀes heéLeefcekeÀ ªhe mes
yeæ{eJee osves kesÀ efueS Gieener keÀer nw. Gieener ieF& efveefOe keÀe Ghe³eesie GhejesÊeÀ GÎsM³e kesÀ efueS efkeÀ³ee ie³ee nw.
6. mebhe´s<eCe kesÀ ceeO³ece :
efleceener efJeÊeer³e heefjCeece (iewj-uesKeehejeref#ele hejbleg meebefJeefOekeÀ uesKeehejer#ekeÀeW keÀer meerefcele meceer#ee kesÀ DeOeerve) leLee uesKeehejeref#ele Jeee|<ekeÀ heefjCeece meeceev³ele³ee
FkeÀe@veeefcekeÀ ìeFcme, HeÀeFveWefMe³eue SkeÌmehe´sme, efyepevesme mìwC[[&, heg{ejer (cejeþer), Fl³eeefo pewmes Debie´speer, eEnoer, cejeþer SJeb DeveskeÀ mLeeveer³e Yee<ee kesÀ efJeefYeVe
heéfleeqÿle mecee®eej he$eeW ceW he´keÀeefMele efkeÀS ieS Les. Fve heefjCeeceeW keÀes yeQkeÀ keÀer JesyemeeFì www.centralbankofindia.co.in hej Yeer heóe|Mele efkeÀ³ee
ie³ee.
7. Dee®eej mebefnlee
yeQkeÀ ves efveosMekeÀ ceb[ue SJeb Jeefjÿ heýebOeleb$e kesÀ efueS Dee®eej mebefnlee DeheveeF& nw. FmekeÀe heeþ yeQkeÀ keÀer JesyemeeFì www.centralbankofindia.
co.in ceW “FvJesmìj efjuesMeve” eEuekeÀ kesÀ Debleie&le GheueyOe nw. meceer#eeOeerve Je<e& kesÀ efueS, meYeer efveosMekeÀeW SJeb Jeefjÿ heýebOeleb$e Üeje Dee®eej mebefnlee kesÀ
Devegheeueve keÀer hegeqä keÀer ieF& nw Deewj Devegheeueve keÀer hegeqä keÀe hećeeCehe$e DevegueivekeÀ I ceW efo³ee ie³ee nw.
yeQkeÀ keÀer heéfleYetefle ceW FvemeeF[ ì^seE[ie jeskeÀves kesÀ efueS, yeQkeÀ ves Deheves efveosMekeÀeW SJeb veeefcele keÀce&®eeefj³eeW kesÀ efueS Dee®eej mebefnlee yeveeF& nw.FmekeÀer heéfleefueefhe
yeQkeÀ keÀer www.centralbankofindia.co.in ceW “FvJesmìj efjuesMeve” eEuekeÀ kesÀ Debleie&le GheueyOe nw.
8. Dev³e he´keÀìerkeÀjCe
yeQeEkeÀie keÀejesyeej kesÀ meeceev³e J³eJenejeW kesÀ DeueeJee, yeQkeÀ ves FmekesÀ he´Jele&keÀeW, efveosMekeÀeW DeLeJee heýebOeleb$e, GvekeÀer mene³ekeÀ kebÀheefve³eeW DeLeJee efjMlesoejeW
Fl³eeefo mes Ssmee keÀesF& uesveosve veneR efkeÀ³ee nw, efpememes efkeÀ yeQkeÀ kesÀ J³eehekeÀ efnleeW hej heéfleketÀuelee mebYeeefJele nes. Je<e& kesÀ oewjeve, yeQkeÀ Deewj FmekesÀ iewj-
keÀe³e&heeuekeÀ efveosMekeÀeW kesÀ yeer®e keÀesF& Deee|LekeÀ mebyebOe DeLeJee mebJ³eJenej veneR ngDee nw.
yeQkeÀ ceW ³en megmLeeefhele he´Lee nw efkeÀ efpeve efveosMekeÀ, efpevemes mebyebefOele ³ee GvekesÀ efjMlesoejeW mes mebyebefOele peye keÀesF& ceeceuee yees[& ceW ®e®ee&Oeerve neslee nw, leye Jes
yees[& SJeb yees[& keÀer Ghe-meefceefle³eeW keÀer ®e®ee& ceW Yeeie veneR uesles nQ.Je<e& kesÀ oewjeve, mebyebefOele he#e kesÀ meeLe keÀesF& Yeer cenlJehetCe& uesve osve veneR ngDee efpememes yeQkeÀ
kesÀ efnleeW hej keÀesF& heéfleketÀue heÝeeJe nes mekeÀlee Lee.
yeQkeÀ ves hetbpeer yeepeej mes mebyebefOele Yeejleer³e efj]peJe& yeQkeÀ, mesyeer, mìe@keÀ SkeÌme®eWpe ³ee Dev³e meebefJeefOekeÀ heéefOekeÀejer keÀes ueeiet efve³eceeW SJeb efJeefve³eceeW keÀe
Devegheeueve efkeÀ³ee nw. meceer#ee Je<e& kesÀ oewjeve, hetbpeer yeepeej mes mebye× efkeÀmeer Yeer ceeceues ceW, efkeÀmeer Yeer mìe@keÀ SkeÌme®eWpe, mesyeer DeLeJee efkeÀmeer meebefJeefOekeÀ
heéefOekeÀejer Üeje yeQkeÀ hej keÀesF& DeLe&ob[ DeLeJee heéfleketÀue efìhheCeer veneR keÀer ieF& nw.
ueeskeÀ efnle he´keÀìerkeÀjCe SJeb cegKeefyej mebj#eCe mebkeÀuhe(heerDeeF&[erheerDeeF&) kesÀ Debleie&le efJemeues yueesJej efMekeÀe³eleeW hej yeQkeÀ kesÀvêer³e meleke&Àlee Dee³eesie kesÀ
efoMeeefveoxMeeW keÀe Devegheeueve keÀjlee nw. ’mesvì efJeefpeue“ veece mes yeQkeÀ keÀe Jesye DeeOeeefjle heesì&ue Yeer nw pees efjheesì& keÀjves Jeeues J³eefÊeÀ keÀer hen®eeve keÀes efyevee
yeleeS peesefkeÀ kesÀJeue cegK³e meleke&Àlee DeefOekeÀejer keÀes helee nesieer, keÀce&®eeefj³eeW kesÀ Devee®eej keÀer efjheese\ìie keÀes megmeeO³e yeveelee nw. pees Devee®eej keÀes efve³ebef$ele
75
jKelee nw, OeesKeeOeæ[er mes ye®eelee nw SJeb keÀce&®eeefj³eeW kesÀ ceveesyeue keÀes yeæ{elee nw. ’mesvì efJeefpeue“ efveosMekeÀeW kesÀ efueS Yeer GheueyOe nw.FmekesÀ DeefleefjÊeÀ
efveosMekeÀ SJeb keÀce&®eejer DeeJeM³ekeÀlee kesÀ DeeOeej hej uesKeehejer#ee meefceefle kesÀ DeO³e#e keÀes Yeer GvekeÀer hetJe& mJeerke=Àefle heéhle keÀj efceue mekeÀles nQ.Je<e& 2018-
19 kesÀ oewjeve Fme mebyebOe ceW efkeÀmeer Yeer J³eefÊeÀ ves uesKeehejer#ee meefceefle mes mebheke&À veneR efkeÀ³ee. FmekesÀ DeefleefjÊeÀ ³en Yeer DeefYehegä efkeÀ³ee peelee nw efkeÀ
uesKeehejer#ee meefceefle ves efkeÀmeer Yeer J³eefÊeÀ keÀes mebheke&À keÀjves mes cevee veneR efkeÀ³ee nw.
yeQkeÀ ves met®eerkeÀjCe keÀjej kesÀ Keb[ 49 keÀer Devegye× DeeJeM³ekeÀleeDeeW keÀe, peneb lekeÀ Keb[ keÀer DeeJeM³ekeÀleeDeeW mes, yeQeEkeÀie efJeefve³ece DeefOeefve³ece, 1949,
yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 Deewj jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee 1970 SJeb Yeejleer³e
efj]peJe& yeQkeÀ Üeje peejer efoMee-efveoxMeeW, heéJeOeeveeW, efJeefve³eceeW keÀe GuuebIeve veneR neslee nw, Devegheeueve efkeÀ³ee nw.
hećegKe Deveg<ebefie³eeW kesÀ efveOee&jCe keÀer veerefle yeQkeÀ keÀer JesyemeeFì hej https://www.centralbankofindia.co.in ceW “FvJesmìj efjuesMeve” eEuekeÀ kesÀ
Debleie&le GheueyOe nw.
mebyebefOele heee|ì³eeW kesÀ meeLe J³eJenej keÀjves mebyebOeer veerefle yeQkeÀ keÀer JesyemeeFì hej efvecveefueefKele eEuekeÀ hej GheueyOe nw. https://www.
centralbankofindia.co.in ceW “FvJesmìj efjuesMeve” eEuekeÀ kesÀ Debleie&le GheueyOe nw.
9. efJeJeskeÀmeccele DeeJeM³ekeÀleeSb (mesyeer met®eerkeÀjCe efJeefve³eceve keÀer Devegmet®eer II keÀe Yeeie F&)
¬eÀ.meb. iewj-DeefveJee³e& keÀe³ee&vJe³eve keÀer eqmLeefle
1. iewj-keÀe³e&heeuekeÀ DeO³e#e Âeje DeO³e#e kesÀ peer neb, keÀe³ee&eqvJele
keÀe³ee&ue³e keÀe mebmLee kesÀ Ke®ex hej jKejKeeJe
2. iele ín ceen ceW cenlJehetCe& IeìveeDeeW kesÀ meej kesÀ yeQkeÀ ves efoveebkeÀ 30.09.2018 keÀes meceehle í:ceener kesÀ efueS SJeb efoveebkeÀ
meeLe efJeÊeer³e keÀe³e&efve<heeove keÀer DeÂ&Jeee|<ekeÀ Iees<eCee 31.03.2019 keÀes meceehle Je<e& kesÀ efueS efJeÊeer³e heefjCeece mìe@keÀ SkeÌme®eWpe Yespes nQ SJeb
Mes³ejOeejkeÀeW keÀes he´sef<ele keÀjvee nw. mecee®eej he$eeW ceW he´keÀeefMele efkeÀS nQ. FmekesÀ DeefleefjÊeÀ, yeQkeÀ keÀer JesyemeeFì www.
centralbankofindia.co.in hej Yeer efJeÊeer³e heefjCeece Deheuees[ efkeÀS Les.
3. kebÀheveer iewj-meehes#e efJeÊeer³e efJeJejefCe³eeW keÀer J³eJemLee yeQkeÀ kesÀ heeme iewj- meehes#e efJeÊeer³e efJeJejefCe³eeb nQ.
Dehevee mekeÀleer nw.
4. DeO³e#e SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer kesÀ Deueie yeQkeÀ ceW DeO³e#e leLee Sce[er SJeb meerF&Dees kesÀ efueS Deueie-Deueie heo nw.
Deueie heo. nceeje yeQkeÀ yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 kesÀ meeLe
heefþle jeäêr³eke=Àle yeQkeÀ (heýebOeve SJeb efJeefJeOe heéJeOeeve) ³eespevee 1970 kesÀ Debleie&le Meeefmele nw.
5. DeebleefjkeÀ uesKeehejer#ekeÀ keÀer efjheese\ìie DeebleefjkeÀ uesKeehejer#ekeÀ yees[& keÀer uesKeehejer#ee meefceefle kesÀ heéfle GÊejoe³eer nw.
10. meeceev³e Mes³ejOeejkeÀ met®evee
yeQkeÀ keÀer 12JeeR Jeee|<ekeÀ meeOeejCe yewþkeÀ:
efove SJeb efoveebkeÀ : Meg¬eÀJeej, efoveebkeÀ 28 petve, 2019 keÀes oeshenj 12.00 yepes ®ebojcegKeer, vejerceve hee@Fvì, cegcyeF& -400021 eqmLele yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³e
keÀe 9Jeeb ceeuee.
1. ³en meeOeejCe Jeee|<ekeÀ yewþkeÀ efJeÊeer³e Je<e& 2018-19 mes mebyebefOele nw.
2. yener-yeboer keÀer leejerKe : efoveebkeÀ 25 petve, 2019 mes 28 petve, 2019 (oesveeW efoJeme meefnle)
3. Je<e& 2018-19 kesÀ efueS keÀesF& ueeYeebMe keÀer DevegMebmee veneR keÀer ieF& nw.
11. efheíues leerve Je<eeX kesÀ oewjeve meeOeejCe yee@[er yewþkeÀ kesÀ Dee³eespeve keÀe efJeJejCe efvecveefueefKele nw :
¬eÀ.meb. yewþkeÀ keÀer he´ke=Àefle efoveebkeÀ SJeb mece³e mLeeve
1. i³eejJeeR Jeee|<ekeÀ meeOeejCe yewþkeÀ efoveebkeÀ 30 petve, 2018, hetJee&vn 11.00 yepes 9Jeeb ceeuee, ®evojcegKeer, vejerceve hee@Fbì, cegcyeF& - 400021
2. omeJeeR Jeee|<ekeÀ meeOeejCe yewþkeÀ efoveebkeÀ 30 petve, 2017, hetJee&vn 11.00 yepes 9Jeeb ceeuee, ®evojcegKeer, vejerceve hee@Fbì, cegcyeF& - 400021
3. veJeeR Jeee|<ekeÀ meeOeejCe yewþkeÀ efoveebkeÀ 30 petve, 2016, hetJee&vn 11.00 yepes 9Jeeb ceeuee, ®evojcegKeer, vejerceve hee@Fbì, cegcyeF& - 400021
76
12. mìe@keÀ SkeÌme®eWpe hej met®eerkeÀjCe :

yeQkeÀ kesÀ Mes³ej yee@cyes mìe@keÀ SkeÌme®eWpe efueefceìs[ SJeb vewMeveue mìe@keÀ SkeÌme®eWpe Fbef[³ee efueefceìs[, oesveeW ceW met®eerye× nQ. eqm¬eÀhe keÀes[ efvecveJele nw:
yee@cyes mìe@keÀ SkeÌme®eWpe efueefceìs[ (yeerSmeF&) 532885
vesMeveue mìe@keÀ SkeÌme®eWpe Dee@HeÀ Fbef[³ee efueefceìs[ (SveSmeF&) CENTRALBK
DeeF&SmeDeeF&Sve vebyej DeeF&SveF& 483A01010
oesveeW mìe@keÀ SkeÌme®eWpe keÀes Je<e& 2018-19 kesÀ efueS Jeee|<ekeÀ met®eerkeÀjCe MegukeÀ Deoe keÀj efo³ee ie³ee nw.
yeQkeÀ ves mece³e-mece³e hej Je®eve-he$eeW kesÀ ªhe ceW iewj-heefjJele&veer³e yee@C[ (efì³ej-II hetbpeer) peejer efkeÀS nQ. lelmebyebOeer yekeÀe³ee efJeJejCe efvecveJele nw:
efoveebkeÀ 31.03.2019 keÀes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee yee@C[dme-efì³ej-II hetbpeer keÀer eqmLeefle:
meerjerpe efJeJejCe peejer efoveebkeÀ kegÀue cetu³e (`keÀjesæ[ ceW) DeeF&SmeDeeF&Sve
ueesDej efì³ej II- meerjerpe XIV 21.12.2011 500.00 DeeF&SveF&483A09245
Dehej efì³ej II-meerjerpe III 23.06.2009 500.00 DeeF&SveF&483A09203
Dehej efì³ej II- meerjerpe IV 20.01.2010 500.00 DeeF&SveF&483A09211
Dehej efì³ej II- meerjerpe V 11.06.2010 1000.00 DeeF&SveF&483A09229
Dehej efì³ej II- meerjerpe VI 21.01.2011 300.00 DeeF&SveF&483A08015
yeemeue III Devegheeefuele ¬eÀ. I 08.11.2013 1000.00 DeeF&SveF&483A09260
yeemeue III Devegheeefuele ¬eÀ. II 07.03.2017 500.00 DeeF&SveF&483A09278
yeemeue III Devegheeefuele ¬eÀ. III 29.03.2019 500.00 DeeF&SveF&483A09286
kegÀue 4800.00
³es meYeer yee@C[ yee@cyes mìe@keÀ SkeÌme®eWpe efueefceìs[ ceW met®eerye× efkeÀS ieS nQ. yeQkeÀ ves Je<e& 2019-20 kesÀ efueS SkeÌme®eWpe keÀes Jeee|<ekeÀ met®eerkeÀjCe MegukeÀ keÀe Yegieleeve
efkeÀ³ee nw.
yeepeej cetu³e DeebkeÀæ[s:
ceeefmekeÀ G®®e SJeb v³etve YeeJe SJeb SveSmeF& hej Mes³ejeW kesÀ ¬eÀ³e-efJe¬eÀ³e keÀer hećee$ee (yeQkeÀ kesÀ Mes³ej cetu³e keÀer SveSmeF& efveHeÌìer mes leguevee meefnle) efvecveJele nw:
SveSmeF&
ceen DeefOekeÀlece cetu³e v³etvelece cetu³e (`) Mes³eme& keÀer mebK³ee SveSmeF& efveHeÌìer
(`) DeefOekeÀlece v³etvelece
Dehe´wue, 2018 71.35 69.30 1936941 10739.35 10128.40
ceF&, 2018 73.55 66.25 8235596 10806.60 10430.35
petve, 2018 83.35 68.15 11675618 10856.70 10589.10
pegueeF&, 2018 72.55 67.45 24813680 11356.50 10657.30
Deiemle, 2018 69.45 67.80 4446766 11738.50 11244.70
efmelecyej, 2018 68.60 41.15 28949290 11589.10 10930.45
DeÊetÀyej, 2018 40.70 27.45 28444637 11008.30 10030.00
veJecyej, 2018 32.25 29.00 10127303 10876.45 10380.45
efomecyej, 2018 36.65 28.10 22751703 10967.30 10488.45
peveJejer, 2019 37.25 31.05 18742691 10961.85 10651.80
HeÀjJejer, 2019 31.85 28.40 8992800 11069.40 10604.35
cee®e&, 2019 35.65 31.05 21910030 11623.90 10863.50
77
ceeefmekeÀ G®®e SJeb efvecve YeeJe SJeb yeerSmeF& hej Mes³eme& kesÀ ¬eÀ³e-efJe¬eÀ³e keÀer hećee$ee (yeQkeÀ kesÀ Mes³ej cetu³e keÀer meWmeskeÌme mes leguevee meefnle) efvecveJele nw:
yeerSmeF&
ceen DeefOekeÀlece cetu³e v³etvelece cetu³e (`) Mes³eme& keÀer mebK³ee meWmeskeÌme
(`) DeefOekeÀlece v³etvelece
Dehe´wue, 2018 71.80 69.15 4030663 35213.3 32972.56
ceF&, 2018 73.20 65.90 1112879 35993.53 34302.89
petve, 2018 83.10 68.35 844000 35877.41 34784.68
pegueeF&, 2018 72.20 67.30 4053427 37644.59 35106.57
Deiemle, 2018 69.25 67.80 453083 38989.65 37128.99
efmelecyej, 2018 68.65 41.10 2297225 38934.35 35985.63
DeÊetÀyej, 2018 40.70 27.50 4547268 36616.64 33291.58
veJecyej, 2018 32.40 28.95 1316306 36389.22 34303.38
efomecyej, 2018 36.70 28.15 3897812 36554.99 34426.29
peveJejer, 2019 37.20 30.90 1863304 36701.03 35375.51
HeÀjJejer, 2019 31.75 28.45 2055325 37172.18 35287.16
cee®e&, 2019 36.50 31.25 2900534 38748.54 35926.94
13. Mes³ej DeblejCe SJeb Mes³ejOeejkeÀeW/efveJesMekeÀeW keÀer efMekeÀe³eleeW keÀe efveJeejCe:
Mes³ej DeblejCe, Oeve-Jeehemeer DeeosMe, ueeYeebMe Yegieleeve SJeb efveJesMekeÀeW mes mebyebefOele Dev³e ieefleefJeefOe³eeW hej keÀej&JeeF& nceejs jefpemìêj SJeb ìêbmeHeÀj SpeWì kesÀ
keÀe³ee&ue³e ceW keÀer peeleer nw. FveceW mes efkeÀmeer Yeer omleeJespe keÀes pecee keÀjves Deewj efkeÀmeer Yeer hetíleeí/efMekeÀe³eleeW/keÀefþveeF³eeW kesÀ mebyebOe ceW Mes³ejOeejkeÀeW SJeb
efveJesMekeÀeW mes efvecve heles hej mebheke&À keÀjves keÀe DevegjesOe nw:
eEuekeÀ FveìeFce Fbef[³ee heéFJesì efueefceìs[
meer-101, 247 heeke&À
SueyeerSme ceeie&, efJe¬eÀesueer (heeq½ece)
cegbyeF&-400 083
ìsueer.: 022-49186270
HewÀkeÌme: 022-49186060
F&-cesue DeeF&[er: rnt.helpdesk@linkintime.co.in
yeQkeÀ mes he$ee®eej keÀjves keÀe helee:
Ghe ceneheýebOekeÀ / kebÀheveer meef®eJe SJeb Devegheeueve DeefOekeÀejer
9JeeR cebefpeue, ®ebojcegKeer
vejerceve hee@Fbì
cegbyeF&-400 021
mebheke&À veb. 022- 6638 7818
HewÀkeÌme : 022- 2283 5198
F&-cesueDeeF&[er:agmcompsec@centralbank.co.in; investors@centrabank.co.in
78
14. Mes³ejOeeefjlee keÀe mebefJelejCe

i) efoveebkeÀ 31.03.2019 keÀes Mes³ejOeeefjlee keÀe mebefJelejCe
Mes³ejOeeefjlee keÀe mebefJelejCe (Mes³eme&)
Mes³eme& keÀer Mes³ejOeeefjlee Mes³ejOeejkeÀeW keÀer kegÀue keÀe heéfleMele Mes³eme& kegÀue keÀe heéfleMele
mebK³ee
1-500 130082 91.4595 152722270.00 0.3774
501-1000 6754 4.7487 53312310.00 0.1317
1001-2000 2848 2.0024 42953020.00 0.1061
2001-3000 942 0.6623 24121620.00 0.0596
3001-4000 404 0.2840 14500590.00 0.0358
4001-5000 291 0.2046 13730720.00 0.0339
5001-10000 461 0.3241 33829510.00 0.0836
10001 Deewj DeefOekeÀ 447 0.3143 40136844330.00 99.1718
kegÀue 142229 100.00 40472014370.00 100.00
ii) ’meeJe&peefvekeÀ“ keÀer ÞesCeer ceW Deeves Jeeues J³eeqkeÌÊe³eeW keÀer Mes³ejOeeefjlee, efpevekeÀer Mes³ejOeeefjlee kegÀue Mes³eme& keÀer mebK³ee kesÀ 1% mes DeefOekeÀ nw
’meeJe&peefvekeÀ“ keÀer ÞesCeer ceW Deeves Jeeues J³eeqkeÌÊe³eeW keÀer Mes³ejOeeefjlee, efpevekeÀer Mes³ejOeeefjlee kegÀue Mes³eme& keÀer mebK³ee kesÀ 1% mes DeefOekeÀ
nw, keÀes oMee&ves Jeeuee efJeJejCe
Mes³ejOeejkeÀ keÀe veece Mes³eme& keÀer mebK³ee %
Yeejleer³e peerJeve yeercee efveiece 262883360 6.4954
iii) ’meeJe&peefvekeÀ“ keÀer ÞesCeer ceW Deeves Jeeues J³eeqkeÌÊe³eeW keÀer Mes³ejOeeefjlee, efpevekeÀer Mes³ejOeeefjlee kegÀue Mes³eme& keÀer mebK³ee kesÀ 5% mes DeefOekeÀ nw
’meeJe&peefvekeÀ“ keÀer ÞesCeer ceW Deeves Jeeues J³eeqkeÌÊe³eeW keÀer Mes³ejOeeefjlee, efpevekeÀer Mes³ejOeeefjlee kegÀue Mes³eme& keÀer mebK³ee kesÀ 5% mes DeefOekeÀ
nw, keÀes oMee&ves Jeeuee efJeJejCe
Mes³ejOeejkeÀ keÀe veece Mes³eme& keÀer mebK³ee %
Yeejleer³e peerJeve yeercee efveiece 262883360 6.4954
iv) efoveebkeÀ 31.03.2019 keÀes Mes³ejOeeefjlee keÀe mJeªhe
efoveebkeÀ 31.03.2019 keÀes Mes³ejOeeefjlee keÀe mJeªhe
Mes³ejOeejkeÀeW keÀer ÞesCeer Mes³eme& keÀer mebK³ee Mes³ejOeejkeÀeW keÀer mebK³ee kegÀue Mes³eme& OeeefjleekeÀe
[ercesì YeeweflekeÀ [ercesì YeeweflekeÀ %
kesÀvê mejkeÀej 3691169652 0 1 0 3691169652 91.2030

eqkeÌue³eeEjie cescyej 5968134 0 396 0 5968134 0.1475
Dev³e keÀe@heexjsì efvekeÀe³e 21623101 90 712 1 21623191 0.5343
efveosMekeÀieCe 163 0 1 0 163 0.0000
efJeÊeer³e mebmLeeSb 262883360 0 14 0 262883360 6.4954
mejkeÀejer keÀcheefve³eeb 700 0 1 0 700 0.0000
eEnot DeefJeYeeefpele heefjJeej 1641660 0 3761 0 1641660 0.0406
79
efoveebkeÀ 31.03.2019 keÀes Mes³ejOeeefjlee keÀe mJeªhe

Mes³ejOeejkeÀeW keÀer ÞesCeer Mes³eme& keÀer mebK³ee Mes³ejOeejkeÀeW keÀer mebK³ee kegÀue Mes³eme& OeeefjleekeÀe
[ercesì YeeweflekeÀ [ercesì YeeweflekeÀ %
c³et®egDeue HebÀ[ 793649 0 4 0 793649 0.0196

jeäêr³eke=Àle yeQkeÀ 244876 0 4 0 244876 0.0061
iewj-jeäêr³eke=Àle yeQkeÀ 240860 0 4 0 240860 0.0060
DeefveJeemeer Yeejleer³e 627834 121600 693 1 749434 0.0185
DeefveJeemeer (Dehe´l³eeJele&veer³e) 282259 0 432 0 282259 0.0070
meeJe&peefvekeÀ 44988097 6050 136048 98 44994147 1.1117
ì^mì 101658 0 11 0 101658 0.0025
peerDeeF&meer SJeb GmekeÀer Deveg<ebefie³eeb 6531875 0 4 0 6531875 0.1614
efJeosMeer heesì&HeÀesefue³ees efveJesMekeÀ (keÀe@heexjsì) 9930524 0 34 0 9930524 0.2454
YeeefjyeQ ceW hebpeerke=Àle SveyeerSHeÀmeer 45295 0 9 0 45295 0.0011
kegÀue 4047073697 127740 142129 100 4047201437 100
*efoveebkeÀ 28.03.2019 keÀes, yeQkeÀ ves DeefOeceeveer DeeOeej hej Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀes [ercesìefj³eueeF[ ªhe ceW 68,72,48,322
FeqkeÌJeìer Mes³ej Deeyebefìle efkeÀS nw pees efoveebkeÀ 11.04.2019 mes yeerSmemeer SJeb SveSmemeer hej uesveosve kesÀ efueS met®eerJe× SJeb mJeerke=Àle efkeÀS ieS nw.
v) ©× Mes³eme& kesÀ y³eewjs oMee&lee efJeJejCe
¬eÀ.meb. Mes³ejOeejkeÀeW kesÀ veece ©× Mes³eme& keÀer mebK³ee kegÀue Mes³eme& kesÀ heéfleMele kesÀ ªhe ceW ©×
Mes³eme& (DeLee&le (S)+(yeer)+(meer) keÀe ³eesie
1 Yeejle kesÀ jeä^heefle 3691169652 91.2030
kegÀue 3691169652 91.2030
vi) ef[hee@efpeìjer jmeero ([erDeej) kesÀ y³eewjs oMee&lee ngDee efJeJejCe
¬eÀ.meb. yekeÀe³ee [erDeej (S[erDeej, yekeÀe³ee [erDeej keÀer yekeÀe³ee [erDeej kesÀ kegÀue Mes³eme& (DeLee&le (S)+(yeer)+(meer)
peer[erDeej, Sme[erDeej mebK³ee efJe®eejeOeerve Mes³eme& keÀer kesÀ kegÀue ³eesie) kesÀ heéfleMele kesÀ ªhe ceW
Deeefo) kesÀ he´keÀej mebK³ee efJe®eejeOeerve yekeÀe³ee [erDeej
efvejbkeÀ efvejbkeÀ efvejbkeÀ efvejbkeÀ
vii) ef[hee@efpeìjer jmeero ([erDeej) kesÀ y³eewjs oMee&lee ngDee efJeJejCe, peneb efJe®eejeOeerve Mes³eme&, kegÀue Mes³eme& kesÀ 1% mes DeefOekeÀ nw.
¬eÀ.meb. [erDeej OeejkeÀ keÀe veece yekeÀe³ee [erDeej (S[erDeej, efJe®eejeOeerve yekeÀe³ee kegÀue Mes³eme& (DeLee&le (S)+(yeer)+(meer)
peer[erDeej, Sme[erDeej [erDeej Mes³eme& keÀer kesÀ kegÀue ³eesie) kesÀ heéfleMele kesÀ ªhe ceW
Fl³eeefo) kesÀ he´keÀej mebK³ee efJe®eejeOeerve yekeÀe³ee [erDeej
efvejbkeÀ efvejbkeÀ efvejbkeÀ efvejbkeÀ
viii) Mes³eme& keÀe ef[cesìefj³eueeFpesMeve
yeQkeÀ kesÀ Mes³eme& keÀe ¬eÀ³e-efJe¬eÀ³e DeefveJee³e&le: [ercesì ªhe ceW efkeÀ³ee peelee nw, yeQkeÀ ves henues mes ner Mes³eme& kesÀ [ercesìefj³eueeFpesMeve kesÀ efueS oesveeW
ef[hee@efpeìjer vesMeveue efmekeÌ³etefjìer]pe ef[hee@efpeìjer]pe efueefceìs[ (SveSme[erSue) SJeb mesvìûe ef[hee@efpeìjer mee|Jemesme (Fbef[³ee) efueefceìs[ (meer[erSmeSue) kesÀ meeLe
keÀjej efkeÀ³ee nw.
efoveebkeÀ 31.03.2019 keÀes Mes³ejOeejkeÀeW Üeje [ercesì SJeb YeeweflekeÀ mJeªhe ceW Oeeefjle Mes³eme& kesÀ efJeJejCe efvecveevegmeej nw :
80
Mes³ejOeejkeÀeW keÀer mebK³ee Mes³eme& keÀer mebK³ee Oeeefjlee keÀe %

YeeweflekeÀ mJeªhe ceW 100 127740 0.003
SveSme[erSue 85468 321741261 7.950
meer[erSmeSue* 56661 3725332436 92.047
kegÀue 142229 4047201437 100.00
*efoveebkeÀ 28.03.2019 keÀes, yeQkeÀ ves DeefOeceeveer DeeOeej hej Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀes [ercesìefj³eueeF[ ªhe ceW 68,72,48,322
FeqkeÌJeìer Mes³ej Deeyebefìle efkeÀS nw pees efoveebkeÀ 11.04.2019 mes yeerSmemeer SJeb SveSmemeer hej uesveosve kesÀ efueS met®eerJe× SJeb mJeerke=Àle efkeÀS ieS nw. keÀesF& Yeer
peer[erDeej/S[erDeej/JeejCì DeLeJee heefjJele&veer³e efueKele yekeÀe³ee veneR nw.
ix) DeoeJeeke=Àle G®eble KeeleeW ceW Mes³eme&:
met®eerkeÀjCe keÀjej kesÀ KeC[ 5S keÀer MeleeX kesÀ Devegmeej, efoveebkeÀ 31 cee®e&, 2019 keÀes “DeoeJeeke=Àle G®eble Keelee” ceW yekeÀe³ee Mes³eme& efvecveJele nQ :
¬eÀ. efJeJejCe Mes³ejOeejkeÀeW keÀer meceie´ yekeÀe³ee
meb. meceie´ mebK³ee Mes³eme&
(i) Je<e& kesÀ heéjbYe ceW DeoeJeeke=Àle G®eble Keelee ceW meceie´ Mes³ejOeejkeÀeW keÀer mebK³ee SJeb yekeÀe³ee Mes³eme& 233 32,853
(ii) Je<e& kesÀ oewjeve, Mes³ejOeejkeÀeW keÀer mebK³ee, efpevneWves DeoeJeeke=Àle G®eble KeeleeW mes Mes³eme& kesÀ efvejbkeÀ efvejbkeÀ
DeblejCe kesÀ efueS peejerkeÀlee& mes mebheke&À efkeÀ³ee.
(iii) Je<e& kesÀ oewjeve, Mes³ejOeejkeÀeW keÀer mebK³ee, efpevnW DeoeJeeke=Àle G®eble KeeleeW mes Mes³ej Debleefjle efvejbkeÀ efvejbkeÀ
efkeÀS ieS.
(iv) Je<e& kesÀ Deble ceW DeoeJeeke=Àle G®eble KeeleeW ceW yekeÀe³ee kegÀue Mes³ejOeejkeÀeW SJeb Mes³eme& keÀer mebK³ee. 233 32,853
keÀe@heexjsì ieJeveXme kesÀ DeefveJee³e& DevegyebOeeW kesÀ Devegheeueve keÀe hećeeCehe$e
mìe@keÀ SkeÌme®eWpe kesÀ meeLe efkeÀS ieS met®eerkeÀjCe keÀjej keÀer MeleeX, mesyeer (met®eerye× yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece 2015 kesÀ meeLe heefþle keÀe@heexjsì
ieJeveXme kesÀ DeefveJee³e& DevegyebOeeW kesÀ Devegheeueve mes mebyebefOele yeQkeÀ kesÀ meebefJeefOekeÀ uesKeehejer#ekeÀeW kesÀ Üeje peejer hećeeCehe$e mebueive nw
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DevegueivekeÀ I
Dee®eej mebefnlee kesÀ Devegheeueve keÀer Iees<eCee
ceQ hegeqä keÀjlee ntb efkeÀ yees[& kesÀ meYeer meom³eeW SJeb Jeefjÿ heýebOeleb$e ves efJeÊeer³e Je<e& 2018-19 kesÀ efueS yeQkeÀ keÀer Dee®eej
mebefnlee keÀe efveeq½ele ªhe mes Devegheeueve efkeÀ³ee nw.
mLeeve: cegbyeF&
efoveebkeÀ: 22 ceF&, 2019
[heuueJe cenehee$e]]
heýebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
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81
mesyeer (met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeDeeW) efJeefve³eceve, 2015

kesÀ efJeefve³ece 17(8) kesÀ Debleie&le hećeeCeve
heéfle,
efveosMekeÀ ceb[ue mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee
³en hećeeefCele efkeÀ³ee peelee nw efkeÀ:

S. nceves mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ efJeÊeer³e Je<e& 2018-19 kesÀ efJeÊeer³e efJeJejCeeW SJeb vekeÀo he´Jeen efJeJejCe keÀer peeb®e keÀer nw leLee nceejer DeefOekeÀlece peevekeÀejer
SJeb efJeéeeme kesÀ Devegmeej:
i. Fve efJeJejefCe³eeW ceW leL³ele: keÀesF& ieuele efJeJejCe DeLeJee keÀesF& cenÊJehetCe& leL³e veneR ítìe nw DeLeJee Ssmee efJeJejCe veneR nw, peesefkeÀ YeécekeÀ nw.
ii. ³es efJeJejCe meceie´ ªhe ceW yeQkeÀ keÀer keÀe³e&-he×efle keÀe mel³e SJeb mener ef®e$eCe keÀjles nQ Deewj efJeÐeceeve uesKee ceevekeÀeW, ueeiet keÀevetve SJeb efJeefve³eceeW kesÀ Devegmeej
nQ.
yeer. nceejer DeefOekeÀlece peevekeÀejer SJeb efJeéeeme kesÀ Devegmeej yeQkeÀ ves Je<e& 2018-19 kesÀ oewjeve Ssmee keÀesF& mebJ³eJenej veneR efkeÀ³ee nw, pees efkeÀ keÀheìhetCe&, DeJewOeeefvekeÀ
DeLeJee yeQkeÀ keÀer Dee®eej mebefnlee keÀe GuuebIeve keÀjlee nes.
meer. efJeÊeer³e efjheese\ìie kesÀ efueS DeebleefjkeÀ efve³eb$eCe mLeeefhele SJeb Fmes J³eJeeqmLele keÀjves keÀer efpeccesoejer nce mJeerkeÀejles nQ leLee ³en efkeÀ efJeÊeer³e efJeJejCeeW keÀer efjheese\ìie
kesÀ mecyebOe ceW nceves yeQkeÀ keÀer DeebleefjkeÀ efve³eb$eCe heĆeeueer keÀer heÝeeJ³elee keÀe cetu³eebkeÀve efkeÀ³ee nw leLee nceves uesKeehejer#ekeÀeW SJeb uesKeehejer#ee meefceefle keÀes heéf¬eÀ³ee
DeLeJee heefj®eeueve keÀer DeebleefjkeÀ efve³eb$eCe keÀer Keeefce³eeb, ³eefo keÀesF& nw, efpememes nce heefjef®ele nQ, keÀe he´keÀìve efkeÀ³ee leLee Fve keÀefce³eeW keÀes otj keÀjves kesÀ efueS Gve
Ghee³eeW keÀer peevekeÀejer oer, efpevnW nceves efkeÀ³ee nw DeLeJee efkeÀ³ee peevee he´mleeefJele nw.
[er. nceves uesKeehejer#ekeÀeW SJeb uesKeehejer#ee meefceefle keÀe O³eeve efvecve hej Deeke=Àä efkeÀ³ee nw:
i. efJeÊeer³e efjheese\ìie kesÀ DeebleefjkeÀ efve³eb$eCe ceW Je<e& 2018-19 kesÀ oewjeve efkeÀS ieS cenÊJehetCe& heefjJele&ve;
ii. uesKeebkeÀve veerefle³eeW ceW Je<e& 2018-19 kesÀ oewjeve keÀesF& cenÊJehetCe& heefjJele&ve veneR efkeÀS ieS nQ leLee FvekeÀe he´keÀìve efJeÊeer³e efJeJejefCe³eeW ceW Yeer efkeÀ³ee ie³ee nw;
SJeb
iii. OeesKeeOeef[³eeW keÀer Denced IeìveeSb, efpevekeÀer nceW peevekeÀejer heéhle ngF& nw leLee GveceW heýebOeve DeLeJee efkeÀmeer keÀce&®eejer, efpemekeÀer efJeÊeer³e efjheese\ìie hej yeQkeÀ keÀer
DeebleefjkeÀ efve³eb$eCe heĆeeueer ceW cenÊJehetCe& YetefcekeÀe nw, keÀer mebefuehlelee, ³eefo keÀesF& nes.
(yeer.kesÀ.eEmeIeue) (heuueJe cenehee$e)
ceneheýebOekeÀ SJeb meerSHeÀDees heýebOe efveosMekeÀ SJeb meerF&Dees
mLeeve : cegbyeF&
82
hećeeCe he$e
heéfle,
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ meom³eieCe,
nceves efoveebkeÀ 31 cee®e& 2019 keÀes meceehle Je<e& kesÀ efueS mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee Üeje keÀeheexjsì ieJevexme keÀer MeleeX kesÀ Devegheeueve keÀer peeb®e keÀj ueer nw, pewmee efkeÀ
mesyeer (met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³eceve 2015 ceW efveOee&efjle nw.
keÀe@heexjsì ieJevexme keÀer MeleeX kesÀ Devegheeueve keÀe oeef³elJe heýebOeleb$e keÀe nw. keÀe@heexjsì ieJevexme keÀer Meleex kesÀ Devegheeueve keÀes megefveeq½ele keÀjves kesÀ efueS mesvìûe yeQkeÀ Dee@HeÀ
Fbef[³ee Üeje Debieerke=Àle heéf¬eÀ³eeDeeW leLee GvekesÀ keÀe³ee&vJe³eve lekeÀ ner nceejer ³en peeb®e meerefcele Leer. ³en mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ efJeÊeer³e efJeJejefCe³eeW hej ve lees
uesKeehejer#ee nw Deewj ve ner Gve hej DeefYeJ³eefÊeÀ nw.
nceejer je³e leLee nceejer DeefOekeÀlece peevekeÀejer kesÀ Devegmeej Deewj nceW efoS ieS mheäerkeÀjCeeW kesÀ Devegªhe, nce ³en hećeeefCele keÀjles nQ efkeÀ GequueefKele efJeefve³eceeW ceW
efveOee&efjle keÀe@heexjsì ieJevexme keÀer efveOee&efjle MeleeX keÀes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee ves Devegheeueve efkeÀ³ee nw.
meeLe ner, nceeje ³en Yeer keÀLeve nw efkeÀ Fme lejn keÀe Devegheeueve ve lees yeQkeÀ keÀer YeeJeer J³eJene³e&lee keÀe Deewj ve ner heýebOeleb$e Üeje mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ
keÀejesyeej mebyebOeer GvekesÀ keÀewMeue leLee heÝeeefJelee keÀe Deeéeemeve nw.
ke=Àles Sme. kesÀ. cesnlee SC[ kebÀ. ke=Àles yeesjkeÀj SC[ cegpegceoej
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej.veb. 000478Sve SHeÀ.Deej.veb. 101569[yu³et
(meerS p³eesefle yeiiee) (meerS oe|Mele peesMeer)

Yeeieeroej Yeeieeroej
meom³elee meb. 087002 meom³elee meb.133755
ke=Àles cegkegbÀo Sce. ef®eleues Sb[ kebÀ. ke=Àles SSpesJeer Sb[ SMeesefmeSì
SHeÀ.Deej.veb. 106655 [yu³et SHeÀ.Deej.veb. 007739Sve
(meerS S.Jeer. keÀecele) (meerS oerhekeÀ ieie&)

meom³elee meb. 039585 meom³elee meb. 093348
mLeeve : cegbyeF&
83
Sme. kesÀ. cesnlee SC[ kebÀ. yeesjkeÀj SC[ cegpegceoej

meveoer uesKeekeÀej, meveoer uesKeekeÀej,
302-306, heíeefle ìe@Jeme&, 26 jepeWê Huesme, 21/168, Deevebo veiej Deesce meerS®eSme,
veF& efouueer - 110008 Deevebo veiej uesve, Dee@HeÀ vesnª jes[,
JekeÀesuee, meeblee¬egÀpe hetJe&, cegcyeF& - 400055
cegkegbÀo Sce ef®eleues Sb[ keÀcheveer SSpesJeer Sb[ SMeesefmeSì

efÜleer³e cebefpeue, keÀhegj neGme, SuepeerSHeÀ-meer 73, ueepehele veiej-II,
HejebpeHes `yeer' mkeÀerce, jes[ ve. 1, veF& efouueer - 110024
efJeues heeuex (HetJe&), cegcyeF& - 400057
mJeleb$e uesKee hejer#ekeÀeW keÀer efjheesì&

heéfle,
mesvìûe yeQkeÀ Dee@]HeÀ Fbef[³ee kesÀ meom³eieCe
uesKeehejeref#ele SkeÀue efJeÊeer³e efJeJejefCe³eeW hej efjheesì&
DeefYecele
1. nceves mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (’yeQkeÀ“) keÀer efoveebkeÀ 31 cee®e&, 2019 keÀer mebueive SkeÀue efJeÊeer³e efJeJejefCe³eeW, GÊeÀ efoveebkeÀ keÀes meceehle Je<e& kesÀ efueS ueeYe
neefve Keeles leLee vekeÀo he´Jeen efJeJejCe SJeb cenlJehetCe& uesKeebkeÀve veerefle³eeW kesÀ meb#eshe leLee Dev³e J³eeK³eelcekeÀ met®eveeDeeW meefnle SkeÀue efJeÊeer³e efJeJejefCe³eeW hej veesìdme
meefVeefnle nQ, keÀer uesKee hejer#ee keÀer nw, efpemeceW meceehle Je<e& kesÀ efueS GÊeÀ efoveebkeÀ keÀes nceejs Üeje uesKeehejeref#ele 20 MeeKeeDeeW SJeb meebefJeefOekeÀ uesKee hejer#ekeÀeW
Üeje uesKee hejeref#ele 2549 MeeKeeDeeW keÀer efJeJejefCe³eeb meceeefnle nQ. nceejs Üeje leLee Dev³e uesKee hejer#ekeÀeW Üeje uesKee hejeref#ele MeeKeeDeeW keÀe yeQkeÀ Üeje ®e³eve,
Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegªhe efkeÀ³ee ie³ee nw. FmekesÀ DeueeJee FveceW Gve 2090 MeeKeeDeeW kesÀ legueve-he$e SJeb ueeYe neefve Keeles Yeer
Meeefceue nQ, pees efkeÀ uesKee hejer#eeOeerve veneR nw. Fve DeuesKeehejeref#ele MeeKeeDeeW ceW kegÀue DeefiećeeW keÀer 9.75%, peceeDeeW keÀe 27.61%, y³eepe Dee³e keÀe 5.90%
leLee y³eepe J³e³e keÀer 25.17% efnmmesoejer nw.
2. nceejs DeefYecele ceW leLee nceejer mechetCe& peevekeÀejer SJeb nceW heéhle J³eeK³eeDeeW kesÀ Devegªhe, GÊeÀ SkeÀue efJeÊeer³e efJeJejefCe³eeb, Yeejle ceW meeceev³eleë mJeerkeÀe³e&
uesKeebkeÀve ceevekeÀeW kesÀ Devegªhe leLee yeQkeÀeW kesÀ efueS DeefveJee³e& lejerkesÀ mes yeQeEkeÀie efJeefve³ece DeefOeefve³ece, 1949 Üeje DeeJeM³ekeÀ met®eveeDeeW keÀes heóeve keÀjleer nw
Deewj:
S. legueve he$e kesÀ ceeceues ceW, efoveebkeÀ 31 cee®e&, 2019 keÀes yeQkeÀ keÀer neuele keÀe mener SJeb efve<he#e heóMe&ve keÀjleer nQ;
yeer. Gme leejerKe keÀes meceehle Je<e& kesÀ efueS neefve SJeb ueeYe Keeles kesÀ ceeceues ceW Mes<e neefve keÀer mener eqmLeefle oMee&lee nw.
meer. vekeÀo he´Jeen efJeJejCeer Gme leejerKe keÀes meceehle Je<e& kesÀ efueS mener SJeb efve<he#e vekeÀo he´Jeen keÀes heóe|Mele keÀjleer nw.
DeefYecele keÀe DeeOeej
3. nceves nceejer uesKeehejer#ee Fbmìerìîetì Dee@HeÀ ®eeì&[& SkeÀeGbìWìdme Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀeW kesÀ Devegªhe keÀer nw. Gve ceevekeÀeW kesÀ
Debleie&le nceeje GÊejoeef³elJe, nceejer efjheesì& kesÀ SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee Keb[ ceW Meeefceue uesKeehejer#ekeÀeW kesÀ GÊejoeef³elJe ceW hegveë J³eeK³eeef³ele
nw. veweflekeÀlee DeeJeM³ekeÀleeDeeW kesÀ meeLe DeeF&meerSDeeF& Üeje peejer veweflekeÀlee keÀes[ kesÀ Devegªhe nce yeQkeÀ mes mJeleb$e nw, pees yeQeEkeÀie efJeefve³ece DeefOeefve³ece, 1949
kesÀ heéJeOeeveeW kesÀ Debleie&le SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer nceejer uesKeehejer#ee kesÀ efueS heémebefiekeÀ nQ Deewj Fve DeeJeM³ekeÀleeDeeW leLee veweflekeÀlee keÀes[ kesÀ Devegªhe
nceves Deheves Dev³e veweflekeÀ GÊejoeef³elJeeW keÀes hetje efkeÀ³ee nw. nceW efJeéeeme nw efkeÀ nceW heéhle uesKee hejer#ee mee#³e he³ee&hle nQ Deewj nceejs DeefYecele kesÀ efueS SkeÀ Gef®ele
DeeOeej heóeve keÀjlee nw.
cetue uesKeehejer#ee ceeceues
4. cetue uesKeehejer#ee ceeceues Jes ceeceues nw pees efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer nceejer uesKeehejer#ee ceW nceejs
J³eeJemeeef³ekeÀ v³ee³e ceW Del³eble cenlJehetCe& nw. ³es ceeceues, mechetCe& SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer nceejer uesKeehejer#ee kesÀ meboYe& ceW heóe|Mele efkeÀS peeles nQ Deewj
84
GvekesÀ DeeOeej hej nce Deheves DeefYecele keÀe efvecee&Ce keÀjles nw Deewj nce Fve ceeceueeW hej he=LekeÀ DeefYecele veneR heóeve keÀjles nQ. veer®es Jee|Cele ceeceueeW keÀes nceves cetue
uesKeehejer#ee ceeceuee ceevee nw pees nceejer efjheesì& ceW mebhe´sef<ele neWies.
cetue uesKeehejer#ee ceeceues uesKeehejer#ekeÀ keÀer heéfleef¬eÀ³ee
1. $eÝCe SJeb Deefieće nceejer uesKeehejer#ee DeefiećeeW mes mebyebefOele Dee³e efveOee&jCe, Deeeqmle JeieeakeÀjCe
iewj efve<heeokeÀ DeefiećeeW keÀer hen®eeve Deewj heéJeOeeve keÀes Yeejleer³e efjpeJe& Deewj heéJeOeeveerkeÀjCe kesÀ mebyebOe ceW ef[peeFve keÀer peeb®e kesÀ meeLe DeebleefjkeÀ
yeQkeÀ Üeje DeefiećeeW mes mebyebefOele Dee³e efveOee&jCe, Deeeqmle ÞesCeerkeÀjCe Deewj efve³eb$eCe keÀer heefj®eeueveer³e heÝeeefJelee Deewj cetue uesKee heéf¬eÀ³eeDeeW keÀe
heéJeOeeveeW hej efveOee&efjle efJeJeskeÀhetCe& ceeveob[ kesÀ mebiele ceW efkeÀ³ee peeS. (efJeÊeer³e DevegmejCe keÀjlee nw. efJeJejCe ceW :
efJeJejefCe³eeW keÀer Devegmet®eer 17 kesÀ veesì 5 kesÀ meeLe heefþle Devegmet®eer 9 keÀe • nceves DeefiećeeW mes mebyebefOele Dee³e efveOee&jCe, Deeeqmle JeieeakeÀjCe SJeb
meboYe& ueW) heéJeOeeveerkeÀjCe mes mebyebefOele Yee.efj.yeQ. kesÀ megmebiele efoMeeefveoxMeeW kesÀ
Deefieće ceW yeQkeÀ keÀer kegÀue Deeeqmle keÀe he³ee&hle Yeeie meefVeefnle nw. heýebOeleb$e ves Devegheeueve ceW nceves yeQkeÀ kesÀ DeebleefjkeÀ efve³eb$eCe efmemìce keÀe cetu³eebkeÀve
Deeeqmle JeieeakeÀjCe Deewj heéJeOeeveerkeÀjCe ceW cenlJehetCe& efveCe&³e efueS nw, SJeb efkeÀ³ee nw Deewj mecePee nw;
heékeÌkeÀueve kesÀ G®®e mlej Deewj efveCe&³e ceW meefVeefnle heéfleYetefle kesÀ cetu³eebkeÀve, • nceves DeefiećeeW mes mebyebefOele Dee³e efveOee&jCe, Deeeqmle JeieeakeÀjCe Deewj
DeefiećeeW keÀer cetue keÀercele ³ee lees Jew³eefÊeÀkeÀ ³ee meecetefnkeÀ ªhe mes YeeweflekeÀ heéJeOeeveerkeÀjCe kesÀ mebyebOe ceW cewvegDeue heéf¬eÀ³ee Deewj cewvegDeue efve³eb$eCe
ªhe ceW DehekeÀefLele nes mekeÀles nw, SJeb kegÀue Deeeqmle ceW DeefiećeeW kesÀ YeeweflekeÀlJe meefnle mebiele efve³eb$eCeeW kesÀ heefj®eeueveer³e heÝeeefJelee kesÀ efueS he´³egÊeÀ cetue
keÀes osKeles ngS DeefiećeeW kesÀ JeieeakeÀjCe Deewj GvekesÀ heéJeOeeveerkeÀjCe keÀes nceejs DeeF&ìer efmemìce/ShueerkesÀMeve keÀe efJeMues<eCe efkeÀ³ee nw Deewj mecePee nw;
Üeje cetue uesKeehejer#ee kesÀ ªhe ceW efJe®eeefjle efkeÀ³ee peelee nw. yeQkeÀ ceW Ssmes iewj cetue efve³eb$eCeeW kesÀ heefj®eeueve keÀer heÝeeefJelee keÀes megefveeq½ele keÀjves Deewj Fme
efve<heeokeÀ DeefiećeeW keÀer hen®eeve keÀer ieF& nw pees efkeÀ heefj®eeueve ceW keÀesj yeQeEkeÀie mebyebOe ceW Yee.efj.yeQ. kesÀ efoMeeefveoxMeeW kesÀ Devegheeueve kesÀ ¬eÀce ceW, nceves
meesu³etMeve (meeryeerSme) mee@HeÌìJes³ej Üeje efmemìce hen®eeve heĆeeueer hej DeeOeeefjle meeryeerSme efmemìce Deewj heýebOeleb$e oesveeW kesÀ efueS mel³eeefhele efkeÀ³ee nw efkeÀ
nw, pees efJeefYeVe efve³eb$eCeeW Deewj FmeceW Deblee|veefnle lekeÀeX hej DeeOeeefjle nw. (S) GheueyOe heéfleYetefle keÀer keÀercele ceW efjÊeÀerkeÀjCe keÀer mece³e hej hen®eeve
heýebOeleb$e ves DeeF&DeejSmeer ceeveob[eW kesÀ Devegheeueve ceW cenlJehetCe& efveCe&³e Yeer keÀjvee;
efkeÀS nw Deewj DeeJeM³ekeÀ ceeceueeW ceW he³ee&hle heéJeOeeve Yeer efkeÀS nw. (yeer) Ssmes mece³e-mece³e hej efveiejeveer hej DeeOeeefjle he³ee&hle heéJeOeeveerkeÀjCe
Deewj Deeeqmle JeieeakeÀjCe keÀer hen®eeve keÀjvee.
nce, meebefJeefOekeÀ MeeKee uesKeehejer#ekeÀeW keÀer mJeleb$e uesKeehejer#ekeÀeW keÀer efjheesì&
kesÀ meeLe meeLe MeeKeeDeeW kesÀ meeLe heÓeeve keÀe³ee&ue³e mlej kesÀ meYeer SceDeesmeer
hej efJeéeeme peleeles nw.
Dee³e efveOee&jCe, Deeeqmle JeieeakeÀjCe SJeb heéJeOeeveerkeÀjCe kesÀ mebyebOe ceW
meebefJeefOekeÀ MeeKee uesKeehejer#ekeÀeW kesÀ uesKeehejer#ee efjheesìeX hej Yeer efJeéeeme
peleeles nw.
nceejs uesKeehejer#ee heéf¬eÀ³ee kesÀ heefjCeeceeW kesÀ YeeweflekeÀlee hej efJe®eej keÀjles ngS
Fmes he³ee&hle Deewj meblees<epevekeÀ hee³ee ie³ee nw.
2. efveJesMe efveJesMeeW keÀer lejHeÀ nceejs uesKeehejer#ee keÀe ¢eqäkeÀesCe Yee.efj.yeQ. kesÀ heefjhe$eeW/
yeQkeÀ kesÀ efveJesMe heesì&HeÀesefue³eeW ceW mejkeÀejer heéfleYetefle³eeb, yee@v[dme, ef[yeW®eme&, DeeosMeeW kesÀ meboYe& kesÀ meeLe ef[peeFve keÀer meceer#ee Deewj peeb®e, DeebleefjkeÀ
Mes³ej, heéfleYetefle jmeero Deewj Dev³e Devegceesefole heéfleYetefle³eeW pewmes efveJesMe efve³eb$eCe keÀer heefj®eeueveer³e heÝeeefJelee Deewj cetu³eebkeÀve kesÀ mebyebOe ceW cetue
Meeefceue nw pees efkeÀ leerve ÞesefCe³eeW kesÀ Debleie&le, heefjhekeÌJelee lekeÀ jKeer peeves uesKeehejer#ee heéf¬eÀ³eeDeeW, JeieeakeÀjCe, Devepe&keÀ efveJesMeeW keÀer hen®eeve, efveJesMeeW
Jeeueer, efye¬eÀer kesÀ efueS GheueyOe Deewj J³eeheej kesÀ efueS jKeer peeves Jeeueer kesÀ mes mebyebefOele heéJeOeeveerkeÀjCe/cetu³eÛeme Meeefceue nQ. efJeJejCe ceW,
ªhe ceW Jeieeake=Àle nQ. efveJesMe ceW yeQkeÀ kesÀ kegÀue Deeeqmle keÀe SkeÀ he³ee&hle efnmmee - cetu³eebkeÀve, JeieeakeÀjCe, Devepe&keÀ efveJesMeeW keÀer hen®eeve, heéJeOeeveerkeÀjCe
Yeer Meeefceue nw. Deewj efveJesMeeW hej cetu³eÛeme mes mebyebefOele Yee.efj.yeQ. kesÀ heémebefiekeÀ
efveJesMeeW keÀe cetu³eebkeÀve, Devepe&keÀ efveJesMeeW (SveheerDeeF&) keÀer hen®eeve Deewj Dee³e efoMeeefveoxMeeW keÀer mebiele ceW nce yeQkeÀ Üeje efveOee&efjle efmemìce Deewj
kesÀ Devegªhe iewj-efveOee&jCe SJeb Gve hej heéJeOeeve, Yee.efj.yeQ. kesÀ heémebefiekeÀ DeebleefjkeÀ efve³eb$eCe keÀe DeebkeÀueve keÀjles nw Deewj mecePeles nQ.
heefjhe$eeW/efoMeeefveoxMeeW/efveoxMeeW kesÀ mebiele ceW efkeÀ³ee peelee nw.
(efJeÊeer³e efJeJejefCe³eeW keÀer Devegmet®eer 17 kesÀ veesì 3 kesÀ meeLe heefþle Devegmet®eer 8
keÀe meboYe& ueW)
85
GÊeÀ heéfleYetefle kesÀ he´l³eskeÀ he´keÀej keÀe cetu³eebkeÀve Yee.efj.yeQ. Üeje heefjhe$eeW Deewj - YeeefjyeQ kesÀ efoMeeefveoxMeeW keÀer mebiele ceW heéfleYetefle keÀer he´l³eskeÀ ÞesCeer kesÀ
DeeosMeeW ceW efveOee&efjle he×efle kesÀ Devegmeej efkeÀS peeSbies efpeveceW efJeefYeVe ñeesleeW mes efueS hegvekeÀe&³e&efve<heeove cetu³eebkeÀve Üeje Yee.efj.yeQ. kesÀ ceemìj heefjhe$eeW
mebieéfnle [eìe/ met®eveeSb pewmes efkeÀ SHeÀefyeue oj, yeerSmeF&/SveSmeF& hej heóe|Mele SJeb efoMeeefveoxMeeW kesÀ Devegheeueve kesÀ meeLe efveJesMeeW kesÀ ®e³eefvele vecetveeW kesÀ
ojeW, iewj met®eerye× keÀcheefve³eeW keÀer efJeÊeer³e efJeJejefCe³eeb, heéfleYetefle jmeeroeW kesÀ efueS Meg×lee keÀer peeb®e keÀer ieF& nw.
ceeceues ceW SveSJeer Fl³eeefo Meeefceue nw. - nceves SveheerDeeF& kesÀ hen®eeve keÀer heéf¬eÀ³ee, Deewj Dee³e keÀer leovegªhe
Yee.efj.yeQ. kesÀ DeeosMeeW kesÀ Devegmeej, kegÀí efveeq½ele efveJesMe nw pees yeepeej efvejmeve Deewj heéJeOeeveeW kesÀ me=peve keÀe DeebkeÀueve SJeb cetu³eebkeÀve efkeÀ³ee
cetu³e hej cetu³eebefkeÀle nw leLeeefhe kegÀí efveeq½ele efveJesMe cetu³eebkeÀve he×efle³eeW hej nw.
DeeOeeefjle nw efpemeceW Deblee|veefnle hetJee&vegceeveeW kesÀ meeLe meebK³ekeÀer³e cee@[ue, - nce, mJeleb$e ªhe mes hegveë heefjkeÀueve keÀjves, heéJeOeeve me=efpele keÀjves Deewj
efJeÊeer³e efJeJejefCe³eeW Fl³eeefo hej DeeOeeefjle cetu³eebkeÀve hej keÀercele keÀe efveOee&jCe cetu³eÛeme heóeve keÀjves kesÀ efueS cetue uesKeehejer#ee heéf¬eÀ³ee Deheveeles nw.
Yeer Meeefceue nw. Fve efveJesMeeW kesÀ cetu³eebkeÀve kesÀ efueS efveeq½ele keÀer ieF& keÀercele
nceejs uesKee hejer#ee heéf¬eÀ³ee keÀe heefjCeece uesveosveeW keÀer YeeweflekeÀlee keÀes osKeles
kesÀJeue efveJesMeeW kesÀ efve<he#e efveOee&jCe Üeje neslee nw.
ngS he³ee&hle Deewj meblees<epevekeÀ hee³ee ie³ee nw.
FmeefueS efveJesMeeW keÀe cetu³eebkeÀve hej efJeMes<e O³eeveekeÀ<e&Ce keÀer DeeJeM³ekeÀlee
nesleer nw Deewj Deeies efJeÊeer³e efJeJejefCe³eeW ceW efveJesMeeW keÀer jeefMe kesÀ cenlJe keÀes
O³eeve ceW jKeles ngS, Gmes nceejer uesKeehejer#ee ceW cetue uesKeehejer#ee ceeceues kesÀ
ªhe ceW efJe®eej efkeÀ³ee peelee nw.
3. efJeÊeer³e efjheese\ìie heéf¬eÀ³ee ceW met®evee heéwÐeesefiekeÀer (DeeF&ìer) nceves cetu³eebkeÀve Dee³eesefpele efkeÀ³ee Deewj cetue DeeF&ìer ShueerkesÀMeve, [eìeyesme
heĆeeueer keÀe Ghe³eesie - Deewj heefj®eeueve heĆeeueer keÀer hen®eeve keÀer, pees nceejer uesKee hejer#ee kesÀ efueS
nceejs yeQkeÀ keÀe heefj®eeueve Deewj efJeÊeer³e efjheese\ìie efjheese\ìie keÀesj yeQeEkeÀie heémebefiekeÀ nw Deewj efJeÊeer³e efjheese\ìie kesÀ efueS heéLeefcekeÀ ªhe mes heémebefiekeÀ
mee@u³etMebme (meeryeerSme) Deewj Dev³e mJe®eeefuele heéf¬eÀ³ee Deewj uesveosveeW keÀer Je=no meeryeerSme SJeb ì^spejer efmemìce keÀes ef®eeqvnle efkeÀ³ee ie³ee. uesKeehejer#ee Deewj
cee$ee kesÀ efve³eb$eCeeW kesÀ meeLe mecebefJele mee@HeÌìJes³ej kesÀ ceeO³ece mes meb®eeefuele efJeÊeer³e met®eveeDeeW keÀes lew³eej keÀjves ceW Ghe³eesie efkeÀS pee jns meeryeerSme
DeeF&ìer heĆeeueer hej efveYe&j nw. Deewj ì^spejer heefj®eeueve mes mebyebefOele cetue DeeF&ìer efmemìce kesÀ efueS nceejer
heéf¬eÀ³ee SJeb efve³eb$eCe, Gef®ele Ghe³eesiekeÀlee& meb®eeueve Deewj Ghe³eesie ceW Dee jns uesKeehejer#ee keÀe HeÀeskeÀme #es$e DeefYeiece megj#ee (efJeMes<eeefOekeÀej heéhle kesÀ Thej
heýebOekeÀer³e heéf¬eÀ³eeDeeW keÀes megefveeq½ele keÀjves kesÀ efueS nw. efve³eb$eCe meefnle) kesÀ meeLe ShueerkesÀMeve heefjJele&ve efve³eb$eCe, [eìeyesme heýebOeve
Deewj vesìJeke&À heefj®eeueve kesÀ efueS nw. efJeJejCe ceW :
yeQkeÀ kesÀ heeme G®®e heýebOeleb$e kesÀ he³e&Jes#eCe SJeb DeeF&ìer mesJeeDeeW kesÀ jKejKeeJe
• nceves uesKeehejer#ee DeJeefOe kesÀ oewjeve yeQkeÀ kesÀ DeeF&ìer efve³eb$eCe
kesÀ efueS efJeMes<e%e hejeceMe& SpeWefme³eeW men³eesie kesÀ Debleie&le met®evee SJeb
JeeleeJejCe SJeb cetue heefjJele&veeW keÀer mecePeoejer yeveeF& nw pees uesKeehejer#ee kesÀ
heéwÐeesefiekeÀer keÀj jne nw.
efueS heémebefiekeÀ nes mekeÀleer nw.
leovegmeej, nceejer uesKeehejer#ee efJeÊeer³e efJeJejefCe³eeW hej J³eehekeÀ heÝeeJe kesÀ
• yeQkeÀ kesÀ meeceev³e DeeF&ìer efve³eb$eCeeW kesÀ Thej cetue DeeF&ìer efmemìce kesÀ
keÀejCe cetue DeeF&ìer heĆeeueer Deewj efve³eb$eCe hej keWÀefêle nw SJeb nceejer uesKee ceW
ef[peeFve, keÀe³ee&vJe³eve Deewj heefj®eeueve heÝeeefJelee keÀer peeb®e keÀer nw pees
Fmes cetue uesKee hejer#ee kesÀ ªhe ceW efJe®eej efkeÀ³ee peelee nw.
efJeÊeer³e efJeJejefCe³eeW kesÀ efueS cenlJehetCe& nQ. FmeceW keÀjeW kesÀ he=LekeÀkeÀjCe
cetu³eebkeÀve Deewj efJeefOeJele Devegceesefole DeeJesoveeW hej DeeOeeefjle heéJeOeeve/
mebMeesefOele efkeÀS ieS DeefOekeÀejeW kesÀ meb®eeueve, mece³eye× lejerkesÀ
ceW efvejmle efkeÀS ieS SeqkeÌpeì ceeceueeW kesÀ meb®eeueve kesÀ efueS yeQkeÀ kesÀ
efve³eb$eCe keÀe cetu³eebkeÀve Meeefceue nw.
• nceves uesKeehejer#ee kesÀ efueS heémebefiekeÀ efmemìce me=efpele efjheesìeX kesÀ efueS
cetue mJe®eeefuele Deewj cewvegDeue J³eJemee³e ®e¬eÀer³e efve³eb$eCe Deewj uee@efpekeÀ
keÀer Yeer peeb®e keÀer nw, meeLe ceW heéflekeÀejer efve³eb$eCeeW DeLeJee DeekeÀueve nsleg
efve<heeefole JewkeÀequhekeÀ heéf¬eÀ³eeDeeW, ³ee peneb keÀesF& DemecyeesefOele DeeF&ìer
peesefKece nes efpememes efJeÊeer³e efJeJejefCe³eeW hej YeeweflekeÀ heÝeeJe heæ[lee nes,
keÀer Yeer peeb®e keÀer nw. efJeÊeer³e efJeJejefCe³eeW Deewj Gme hej uesKeehejer#ekeÀeW
keÀer efjheesì& kesÀ DeueeJee met®eveeSb.
• nceejs uesKeehejer#ee heéf¬eÀ³ee kesÀ heefjCeece he³ee&hle Deewj meblees<epevekeÀ heeS
ieS nQ.
86
efJeÊeer³e efJeJejefCe³eeW kesÀ DeefleefjÊeÀ met®evee leLee Gve hej uesKeehejer#ekeÀes keÀer efjheesì&
5. Dev³e met®eveeDeeW kesÀ efueS yeQkeÀ keÀe efveosMekeÀ ceb[ue efpeccesJeej nw. Dev³e met®evee ces DevegueivekeÀ meefnle efveosMekeÀ ceb[ue keÀer efjheesì&, keÀe@jheesjsì ieJeveXme efjheesì& SJeb
heýevOeleb$e ®e®ee& Deewj efJeMues<eCe eEkeÀleg FmeceW mìW[Deueesve efJeÊeer³e efJeJejefCe³eeb Deewj Gve hej nceejs uesKeehejer#ekeÀeW keÀer efjheesì& Meeefceue veneR nw. Dev³e met®evee nceW
Fme uesKeehejer#ekeÀeW keÀer efjheesì& keÀer efleefLe kesÀ he½eele GheueyOe nes mekeÀleer nQ.
mìW[Deueesve efJeÊeer³e efJeJejeefCe³eeW ceW nceejer je³e Dev³e met®evee SJeb yesmeue III he´keÀìerkeÀjCe Meeefceue veneR nw, nce Fme hej keÀesF& Deeéeemeve efve<keÀ<e& J³eÊeÀ veneR keÀjWies.
mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW kesÀ nceejs uesKeehejer#ee kesÀ mebyebOe ceW, Ghe³eg&ÊeÀ ef®eeqvnle Dev³e met®evee keÀes peye Yeer ³en GheueyOe nesieer heæ{vee nw Ssmee keÀjves ceW,
meesef®eS keÌ³ee Dev³e met®evee mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW kesÀ meeLe efJe<e³eer Demebieefle nw DeLeJee uesKeehejer#ee ceW nceejer peevekeÀejer ueer ieF& DeLeJee Dev³eLee efJe<e³eer
De³eLeeLe& he´leerle neslee nw.
peye nce Dev³e met®evee heæ{les nQ, ³eefo nce efve<keÀ<e& efvekeÀeueles nQ efkeÀ FmeceW efJe<e³eer Demel³e efJeJejCe nw, nceW ieJeveXme kesÀ meeLe Deejesefhele ceeceues keÀes metef®ele keÀjvee
DeeJeM³ekeÀ nw Deewj ueeiet efJeefOe SJeb efJeefve³eecekeÀeW kesÀ Debleie&le keÀe³e&Jeener keÀjsies.
heýevOeleb$e keÀer efpeccesJeejer SJeb mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW nsleg leLee ieJeveXme kesÀ meeLe Deejesefhele
6. yeQkeÀ keÀe efveosMekeÀ ceb[ue Fve mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW keÀer lew³eejer kesÀ mebyebOe ceW GÊejoe³eer nw pees efJeÊeer³e eqmLeefle, efJeÊeer³e keÀe³e& efve<heeove leLee Yeejle ceW
meeceev³e leewj hej mJeerkeÀe³e& uesKeebkeÀve efme×eblees kesÀ Devegmeej DeeF&meerSDeeF& Üeje efveOee&efjle uesKeebkeÀve, SJeb yeQeEkeÀie efJeefve³eecekeÀ DeefOeefve³ece, 1949 kesÀ DevegyevOe
29 kesÀ heéJeOeeve SJeb Yeejleer³e efjpeJe& yeQkeÀ Üeje mece³e-mece³e hej peejer efoMeeefveoxMe SJeb heefjhe$e kesÀ Devegmeej yeQkeÀ kesÀ vekeÀo he´Jeen kesÀ ceeceues ceW mel³e SJeb Gef®ele
peevekeÀejer oslee nw. ³en efpeccesJeejer nw efkeÀ mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW keÀer lew³eejer SJeb he´mlegleerkeÀjve nsleg megj#ee DeefOeefve³ece kesÀ heéJeOeeveeW kesÀ Devegmeej yeQkeÀ
keÀer Deeeqmle³eeW keÀe he³ee&hle uesKeebkeÀve efjkeÀe@[& kesÀ jKejKeeJe meefnle OeesKeeOeæ[er SJeb Dev³e Deefve³eefceleleeDeeW keÀes jeskeÀves SJeb meceehle keÀjves nsleg, Ghe³egÊeÀ uesKeebkeÀve
veerefle³eeW keÀe ®e³eve leLee DeeJesove, efveCe&³e yevee leLee ³en Devegceeve ueieevee efkeÀ uesKeebkeÀve efjkeÀe@[& keÀer mheälee leLee hetCe&³elee megefveeq½ele keÀjves nsleg heÝeeJeer heefj®eeueve
efkeÀ³ee ie³ee Lee, efkeÀ efJe<e³eer De³eLeeLe& mes ³en mel³e SJeb Gef®ele DeJeueeskeÀve osiee mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW keÀer lew³eejer ceW keÀe³e&Meerue mebmLee kesÀ leewj efvejblej
yeves jnves kesÀ efueS yeQkeÀ keÀer #ecelee keÀe DeebkeÀueve keÀjves, keÀe³e&Meerue mebmLee mebyebOeer ceeceueeW mebyebOeer ueeiet kesÀ Devegmeej he´keÀìerkeÀjCe nsleg heýebOeleb$e efpeccesJeej nw leLee
uesKeebkeÀve nsleg keÀe³e&Meerue mebmLee DeeOeeefjle Ghe³eesie keÀjles ngS Dev³eLee heýebOeve ³ee lees yeQkeÀ keÀe heefjmeceeheve keÀjsiee ³ee heefj®eeueve jeskesÀiee DeLeJee JeemleefJekeÀ
efJekeÀuhe veneR nw eEkeÀleg Ssmee ner keÀjvee nesiee.
mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW kesÀ uesKeehejer#ee nsleg uesKeehejer#ekeÀeW keÀe GÊejoeef³elJe
7. nceejs GÎsM³e leee|keÀkeÀ Deeéeemeve heéhle keÀjvee keÌ³ee mìW[Deueesve efJeÊeer³e efJeJejefCe³eeb SkeÀ meceie´ ªhe mes efJe<e³eer De³eLeeLe& mes cegÊeÀ nw, keÌ³ee OeesKeeOeæ[er DeLeJee
$egefì kesÀ keÀejCe Deewj uesKeehejer#ekeÀeW keÀer efjheesì& ceW nceejer je³e Meeefceue nw. leke&Àmebiele Deeéeemeve G®®e mlej keÀe Deeéeemeve nw uesefkeÀve SkeÀ ieejbìer veneR efkeÀ
mìW[Deueesve kesÀ Devegmeej meb®eeefuele uesKeehejer#ee peye Yeer keÀe³ee&vJe³eve nesiee ncesMee efJe<e³eer De³eLeeLe& keÀe helee ueiesiee. De³eLeeLe& OeesKeeOeæ[er DeLeJee $egefì mes GlheVe
nes mekeÀlee nw Deewj ³eefo Jew³eefÊeÀkeÀ DeLeJee meceie´ ªhe ceW ³en efJe<e³eiele mecePee pee³esiee, Jes Fve mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW DeeOeej hej ueskeÀj Ghe³eesiekeÀÊee&
kesÀ Deee|LekeÀ efveCe&³eeW keÀes leke&Àmebiele ªhe mes heÝeeefJele keÀj mekeÀlee Lee.
mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW kesÀ Devegmeej uesKeehejer#ee kesÀ Yeeie kesÀ leewj hej, nce J³eeJemeeef³ekeÀ efveCe&³e heéf¬eÀ³ee keÀe heeueve keÀjles nQ SJeb uesKeehejer#ee kesÀ oewjeve
J³eeJemeeef³ekeÀ mebMe³eMeeruelee yeveeS jKeles nQ. nce ³en Yeer keÀjles nQ:
• efJeÊeer³e efJeJejefCe³eeW kesÀ efJe<e³eer De³eLeeLe& kesÀ peesefKece keÀer hen®eeve DeLeJee DeebkeÀueve keÀjvee, yenjeue OeesKeeOeæ[er DeLeJee $egefì, ef[peeFve kesÀ keÀejCe leLee
Gve peesefKeceeW keÀer Deveg¬eÀ³eMeeruelee kesÀ efueS uesKeehejer#ee heéf¬eÀ³ee keÀer ieF&, Deewj nceejer je³e nsleg uesKeehejer#ee mee#³e heéhle keÀjves pees SkeÀ DeeOeej GheueyOe
keÀjeves kesÀ efueS he³ee&hle leLee Gef®ele nes. efJe<e³eer De³eLeeLe& keÀe helee veneR ueieeves keÀe peesefKece efpemekesÀ heefjCeece mJeªhe SkeÀ $egefì kesÀ helee ve ueieeves mes
OeesKeeOeæ[er yengle p³eeoe nw keÌ³eeWefkeÀ OeesKeeOeæ[er ceW keÀheìdhetCe&, peeuemeepeer, DeebleefjkeÀ ®etkeÀ, De³eLeeLe& DeLeJee DeebleefjkeÀ efve³eb$eCe keÀer DeJensuevee Meeefceue nes
mekeÀleer nw.
• he´³eesie keÀer ieF& uesKeebkeÀve veerefle³eeW kesÀ Deewef®el³e keÀe cetu³eebkeÀve keÀjvee Deewj heýebvOeve Üeje uesKeebkeÀve DevegceeveeW keÀe Deewef®el³e SJeb mebyebOeer he´keÀìerkeÀjCe yeveevee.
• uesKeebkeÀve DeeOeeefjle leLee efueS ieS uesKeebkeÀve mee#³e hej DeeOeeefjle keÀe³e&Meerue mebmLee kesÀ Ghe³eesie hej heýebOeve kesÀ Deewef®el³e keÀe efve<keÀ<e& yenjeue IeìveeDeeW
DeLeJee heefjeqmLeefle³eeW mebyebOeer SkeÀ efJe<e³eer Deefveeq½elelee efvekeÀeme pees keÀe³e&Meerue mebmLee kesÀ leewj hej yeQkeÀ keÀer efvejblej nesves keÀer #ecelee hej he³ee&hle mebosn J³eÊeÀ
keÀjlee nw. ³eefo nce efve<keÀ<e& efvekeÀeueles nQ efkeÀ SkeÀ efJe<e³eer Deefveeq½elelee nesleer nw, nceejer je³e keÀes mebMeesefOele keÀjves kesÀ efueS nceejs efueS DeeJeM³ekeÀ nw efkeÀ
mìW[ Deueesve efJeÊeer³e efJeJejefCe³eeW ceW he´keÀìerkeÀjCe mebyebOeer DeLeJee ³eefo Ssmes he´keÀìerkeÀjCe Dehe³ee&hle nes GvnW nceejer uesKeehejer#ee efjheesì& ceW O³eeve DeekeÀe|<ele
keÀjvee. nceeje efve<keÀ<e& nceejs uesKeehejer#ekeÀ keÀer efjheesì& keÀer leejerKe lekeÀ efueS ieS uesKeehejer#ee mee#³e hej DeeOeeefjle nw. leLeeefhe, YeeJeer IeìveeSb DeLeJee
heefjeqmLeefle³eeb yeQkeÀ keÀes keÀe³e&Meerue mebmLee kesÀ leewj hej keÀe³ece jKeves nsleg keÀejCe nes mekeÀleer nw.
87
• he´keÀìerkeÀjCe meefnle mìW[Deueesve efJeÊeer³e efJeJejefCe³eeW keÀe meceie´ he´mlegleerkeÀjCe, {eb®ee SJeb efJe<e³e keÀe cetu³eebkeÀve leLee keÌ³ee mìW[Deueesve efJeÊeer³e efJeJejCeer
Deblejefveefnle uesveosveeW SJeb IeìveeDeeW keÀer he´mlegefle keÀes Ssmes ¬eÀce ceW jKeW efpememes Gef®ele he´mlegefle heéhle nes mekesÀ.
mìW[Deueesve efJeJejCeer ceW efJe<e³eer SkeÀ De³eLeeLe& keÀer cenÊee nw pees Jew³eefÊeÀkeÀ DeLeJee meceie´ ªhe ceW Fmes mebYeJe yeveelee nw efkeÀ efJeÊeer³e efJeJejefCe³eeW kesÀ SkeÀ leke&Àmebiele
DevegYeJeer Ghe³eesiekeÀÊee& kesÀ Deee|LekeÀ efveCe&³e heÝeeefJele nes mekeÀles nQ. nce mees®eles nQ efkeÀ iegCeelcekeÀ efJe<e³eer SJeb iegCeelcekeÀ IeìkeÀ nw (i) nceejs uesKeehejer#ee keÀe³e&
#es$e keÀer ³eespevee yeveevee Deewj nceejs keÀe³e& heefjCeeceeW keÀe cetu³eebkeÀve keÀjvee; Deewj (ii) efJeÊeer³e efJeJejefCe³eeW ceW efkeÀmeer ef®eeqvnle De³eLeeLe& efJeJejCeeW kesÀ heÝeeJe keÀe
cetu³eebkeÀve keÀjvee.
nce Dev³e ceeceueeW kesÀ meeLe heefj®eeueve mebyebOeer Gve DeejesheeW kesÀ meeLe metef®ele keÀjles nQ, ³eespeveeye× #es$e Deewj uesKeehejer#ee keÀer mece³emeercee SJeb cenlJehetCe&
uesKeehejer#ee GheueeqyOe, DeebleefjkeÀ efve³eb$eCe ceW efkeÀmeer cenlJehetCe& keÀefce³eeW meefnle nceejs uesKeehejer#ee kesÀ oewjeve nceves ef®eeqvnle efkeÀ³ee nw.
nce efJeJejCeer kesÀ meeLe heefj®eeueve meefnle Gve Deejeshe keÀes Yeer GheueyOe keÀjeles nQ pees nceves mJeleb$e mebyebOeer mebye× veereflehejkeÀ Dehes#eeDeeW meefnle mebkeÀefuele efkeÀ³ee
nw Deewj meYeer mebyebOeer SJeb Dev³e ceeceueeW kesÀ meeLe GvnW metef®ele keÀjles nQ nceejer mJeleb$elee hej leee|keÀkeÀ ªhe mes efJe®eej nes mekeÀlee nw Deewj megj#ee mebyebOeer peneb Yeer
ueeiet nes.
heefj®eeueve meefnle Gve Deejeshe kesÀ meeLe metef®ele ceeceueeW mes, nce Gve ceeceueeW keÀes efveOee&efjle keÀjles nQ efkeÀ ®eeuet DeJeefOe kesÀ mìW[Deueesve efJeÊeer³e efJeJejCe keÀe
uesKeehejer#ee ceW DeeflecenlJehetCe& nw Deewj FmeefueS cegK³e uesKeehejer#ee ceeceues nQ. nce nceejer uesKeehejer#ee efjheesì& ceW Fve ceeceueeW keÀes Jee|Cele keÀjles nQ peye lekeÀ
efJeefOe DeLeJee efJeefve³eecekeÀ ceeceues kesÀ yeejs ce@b meeJe&peefvekeÀ he´keÀìerkeÀjCe DeLeJee peye efJeMes<e DemeeOeejCe keÀejCeeW keÀes heéfleyebefOele keÀjlee nw, nce efveOee&efjle keÀjles
nQ ceeceuee nceejer uesKeehejer#ee efjheesì& ceW metef®ele veneR keÀjvee ®eeefnS keÌ³eeWefkeÀ Ssmee keÀjves kesÀ heéfleketÀue heefjCeece Ssmeer met®eveeDeeW kesÀ heÝeeJeMeeueer meeJe&peefvekeÀ efnle
heéfleueeYe leke&Àmebiele DemebYeeJeer nesies.
Dev³e ceeceues
8. yeQkeÀ kesÀ SkeÀue efJeÊeer³e efJeJejefCe³eeW ceW meeqcceefuele 2549 MeeKeeDeeW keÀer efJeÊeer³e efJeJejefCe³eeW / met®eveeDeeW keÀe nceves uesKeehejer#ee veneR efkeÀ³ee nw efpevekeÀer efJeÊeer³e
efJeJejefCe³eeW / efJeÊeer³e met®eveeDeeW ceW efoveebkeÀ 31 cee®e&, 2019 keÀes kegÀue ` 96589.14 keÀjesæ[ keÀe Deefieće SJeb Fme leejerKe keÀes meceehle hetCe& Je<e& kesÀ efueS `
17577.07 keÀjesæ[ keÀer y³eepe Dee³e heefjueef#ele nw peesefkeÀ SkeÀue efJeÊeer³e efJeJejefCe³eeW / met®eveeDeeW ceW ³en mecePeer ie³eer nw efkeÀ Fve MeeKeeDeeW keÀe uesKeehejer#ee
MeeKee uesKeehejer#ekeÀeW Üeje efkeÀ³ee ie³ee nw SJeb efpevekeÀer efjheesì& nceW heéhle ngF& nw, SJeb nceejer je³e ceW peneb lekeÀ ³en jeefMe SJeb he´keÀìerkeÀjCe mes mebyebefOele nw,
MeeKeeDeeW kesÀ mebyebOe ceW meeqcceefuele nw, hetCe& leewj hej MeeKee uesKeehejer#ekeÀeW keÀer efjheesì& hej DeeOeeefjle nw.
nceejer je³e Fme ceeceues kesÀ mebyebOe ceW mebMeesefOele veneR nw.
Dev³e efJeefOekeÀ SJeb efJeefve³eecekeÀ DeeJeM³ekeÀleeDeeW hej efjheesì&
9. legueve he$e SJeb ueeYe neefve Keeles yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 29 kesÀ Devegmeej lew³eej efkeÀS ieS nQ.
10. Gheg³e&ÊeÀ hewje 6 mes 8 ceW GequueefKele uesKeehejer#ee keÀer meerceeDeeW kesÀ DeOeerve SJeb yeQkeÀkeÀejer kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve Deewj DeblejCe ) DeefOeefve³ece, 1970/1980
keÀer DeeJeM³ekeÀleeDeeW SJeb he´keÀìerkeÀjCe keÀer Dehesef#ele meerceeDeeW kesÀ DeOeerve, nce efjheesì& keÀjles nQ efkeÀ :
S. nceves Deheveer uesKeehejer#ee kesÀ GÜsM³e kesÀ DeeJeM³ekeÀ nceejer peevekeÀejer SJeb efveÿehetJe&keÀ meYeer peevekeÀeefj³eeb SJeb mheäerkeÀjCe heéhle keÀj efueS nQ SJeb nceves GvnW
meblees<epevekeÀ hee³ee nw.
yeer. nceejs O³eeve ceW DeeS yeQkeÀ kesÀ meYeer uesve osve yeQkeÀ keÀer MeefÊeÀ³eeW kesÀ Devegmeej nQ SJeb
meer. uesKeehejer#ee kesÀ GÜsM³e kesÀ efueS keÀe³ee&ue³e SJeb MeeKeeDeeW mes heéhle efJeJejefCe³eeb he³ee&hle hee³eer ie³eer nQ.
11. nce ³en Yeer efjheesì& keÀjles nQ efkeÀ :
S. nceejer je³e ceW, keÀevetve keÀer DeeJeM³ekeÀlee kesÀ Devegmeej KeeleeW keÀer Gef®ele yeefn³eeb yeQkeÀ Üeje jKeer ie³eer nQ SJeb nceejs Üeje Gve yeefn³eeW keÀer peeb®e mes helee
ueielee nw SJeb nceejs uesKeehejer#ee kesÀ GÜsM³e kesÀ efueS he³ee&hle Gef®ele efJeJejefCe³eeb nceW Gve MeeKeeDeeW mes heéhle ngF& nQ efpeve MeeKeeDeeW keÀe nceves efvejer#eCe veneR
efkeÀ³ee nw.
yeer. Fme efjheesì& mes mebyebefOele legueve he$e, ueeYe neefve Keelee SJeb veieo he´Jeen efJeJejefCe³eeb KeeleeW keÀer yeefn³eeW SJeb Gve MeeKeeDeeW mes heéhle efJeJejefCe³eeb efpeve MeeKeeDeeW
keÀe nceves efvejer#eCe veneR efkeÀ³ee nw, kesÀ meeLe keÀjej ceW nQ.
meer. yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece,1949 keÀer Oeeje 29 kesÀ Debleie&le MeeKee uesKeehejer#ekeÀ keÀer MeeKee keÀe³ee&ue³e efjheesì& nceW he´sef<ele keÀer ie³eer SJeb Fme efjheesì&
keÀes lew³eej keÀjves ceW nceejs Üeje Gef®ele ªhe mes mebJ³eJenej efkeÀ³ee ie³ee. SJeb
88
[er. nceejer je³e ceW, legueve he$e, ueeYe neefve Keeles SJeb veieo he´Jeen efJeJejefCe³eeb ueeiet uesKee ceevekeÀeW kesÀ Devegªhe nQ SJeb keÀeHeÀer no lekeÀ Yeejleer³e efjpeJe& yeQkeÀ Üeje
efveOee&efjle uesKee veerefle³eeW kesÀ Demebiele veneR nQ.


mLeeve : cegbyeF&
89
Deeefmle³eeW SJeb os³eleeDeeW keÀer SkeÀue efJeÊeer³e efJeJejCeer³eeB

(000 keÀes íesæ[keÀj)
efJeJejCe 31.03.2019 keÀes 31.03.2018 keÀes
uesKeehejeref#ele uesKeehejeref#ele
` `
hetBpeer SJeb os³eleeSB
hetBpeer 4,04,720.14 2,61,815.58
heéjef#ele efveefOe³eeB SJeb DeefOeMes<e 14,88,765.52 15,36,737.78
Mes³ej DeeJesove jeefMe Deeyebìve uebefyele 21,254.09 -
pecee jeefMe³eeb 2,99,85,543.68 2,94,83,885.73
GOeej jeefMe³eeb 5,23,906.16 5,70,611.62
Dev³e os³eleeSb SJeb heéJeOeeve 6,47,576.80 7,69,476.83
kegÀue 3,30,71,766.39 3,26,22,527.54
Deeeqmle³eeb
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heeme vekeÀoer SJeb Mes<e jeefMe 20,77,908.50 35,99,990.88
yeQkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe 10,42,084.58 3,22,852.65
efveJesMe 1,25,29,806.97 1,02,63,161.22
Deefieće 1,46,52,536.06 1,56,54,217.71
De®eue Deeeqmle³eeb 4,31,024.38 4,34,338.11
Dev³e Deeeqmle³eeb 23,38,405.90 23,47,966.97
kegÀue 3,30,71,766.39 3,26,22,527.54
DeeueeskeÀ ÞeerJeemleJe yeer.Sme.MesKeeJele heer.jceCe cetefle& heuueJe cenehee$e leHeve je³e

keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ heýebOe efveosMekeÀ SJeb meerF&Dees DeO³e#e
[e@. Yet<eCe kegÀceej efmevne Lee@ceme cewL³et Sve. efvel³eevebo heés. ([e@.) Deelceevebo
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme. kesÀ. cesnlee SC[ kebÀ. ke=Àles yeesjkeÀj SC[ cegpegceoej ke=Àles cegkegbÀo Sce. ef®eleues Sb[ kebÀ. ke=Àles SSpesJeer Sb[ SMeesefmeSì
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej.veb. 000478Sve SHeÀ.Deej.veb. 101569[yu³et SHeÀ.Deej.veb. 106655 [yu³et SHeÀ.Deej.veb. 007739Sve
(meerS p³eesefle yeiiee) (meerS yeer. Sce. Deie´Jeeue) (meerS S.Jeer. keÀecele) (meerS oerhekeÀ ieie&)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
meom³elee meb. 087002 meom³elee meb. 033254 meom³elee meb. 039585 meom³elee meb. 093348
mLeeve: cegbyeF&
90
efoveebkeÀ 31 cee®e&, 2019 keÀe legueve he$e

efJeJejCe Devegmet®eer meb. 31 cee®e& 2019 keÀes 31 cee®e& 2018 keÀes
` `
hetbpeer SJeb os³eleeSb
hetbpeer 1 4,04,72,014 2,61,81,558
heéjef#ele efveefOe³eeb SJeb DeefOeMes<e 2 14,88,76,552 15,36,73,778
Mes³ej DeeJesove jeefMe Deeyebìve uebefyele 21,25,409 -
pecee jeefMe³eeb 3 2,99,85,54,368 2,94,83,88,573
GOeej jeefMe³eeb 4 5,23,90,616 5,70,61,162
Dev³e os³eleeSb SJeb heéJeOeeve 5 6,47,57,680 7,69,47,683
kegÀue 3,30,71,76,639 3,26,22,52,754
Deeeqmle³eeb
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heeme vekeÀoer SJeb Mes<e jeefMe 6 20,77,90,850 35,99,99,088
yeQkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe 7 10,42,08,458 3,22,85,265
efveJesMe 8 1,25,29,80,697 1,02,63,16,122
Deefieće 9 1,46,52,53,606 1,56,54,21,771
De®eue Deeeqmle³eeb 10 4,31,02,438 4,34,33,811
Dev³e Deeeqmle³eeb 11 23,38,40,590 23,47,96,697
kegÀue 3,30,71,76,639 3,26,22,52,754
DeekeÀeqmcekeÀ os³eleeSb 12 86,66,82,022 1,19,39,78,648
mebieńCe nsleg efyeue - 16,24,73,915 14,48,60,670
cenlJehetCe& uesKeebkeÀve veerefle³eeb 17
uesKeebkeÀve kesÀ veesì 18
GÊeÀ meboe|Yele Devegmet®eer leguevehe$e keÀe DeefveJee³e& Yeeie nw.
mLeeve: cegbyeF&
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efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS ueeYe SJeb neefve Keelee
efJeJejCe Devegmet®eer meb. 31 cee®e& 2019 31 cee®e& 2018
keÀes meceehle Je<e& keÀes meceehle Je<e&
` `
I. Dee³e
Dee|pele y³eepe 13 22,63,85,707 24,03,55,171
Dev³e Dee³e 14 2,41,29,368 2,62,23,513
kegÀue 25,05,15,075 26,65,78,684
II. J³e³e
J³e³e y³eepe 15 15,86,63,898 17,51,85,079
heefj®eeueve Ke®ex 16 6,05,86,250 6,40,63,689
heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb 8,76,79,726 7,83,78,890
kegÀue 30,69,29,874 31,76,27,658
III. hetJee&JeefOe keÀer ceoeW kesÀ HetJe& Je<e& keÀe Meg× ueeYe / (neefve) (5,64,14,799) (5,10,48,974)
IeìeSb: hetJee&JeefOe ceoW - -
hetJee&JeefOe keÀer ceoeW kesÀ he½eele Je<e& keÀe Meg× ueeYe / (neefve) (5,64,14,799) (5,10,48,974)
ueeYe/(neefve) Deeies ues pee³ee ie³ee (10,55,31,577) (5,35,63,918)
kegÀue (16,19,46,376) (10,46,12,892)
IV. efJeefve³eespeve
keÀes Debleefjle :
meebJeefOekeÀ Deejef#ele - -
efveJesMe Deejef#ele 5,63,762 9,18,685
efJeMes<e Deejef#ele 36(1)(viii) kesÀ Debleie&le - -
mìeHeÀ keÀu³eeCe efveefOe - -
jepemJe Deejef#ele - -
yeercee kesÀ ªhe ceW efveefOe - -
he´mleeefJele ueeYeebMe -DeefOeceeveer hetbpeer - -
he´mleeefJele ueeYeebMe - FeqkeÌJeìer hetbpeer - -
ueeYeebMe keÀj - -
legueve he$e ceW Deeies ues pee³ee ie³ee Mes<e (16,25,10,138) (10,55,31,577)
kegÀue (16,19,46,376) (10,46,12,892
F&heerSme (heéLeefcekeÀ Sb[ DekegÀMeue ) (20.19) -26.34
heÓeeve uesKeebkeÀve veerefle³eeb 17
uesKeeW hej efìhheefCe³eeb 18
GÊeÀ HeÀe@ce& keÀer efveoxefMele met®eer ueeYe SJeb neefve Keelee keÀe DeefYeVe Debie nw.
mLeeve: cegbyeF&
92
efoveebkeÀ 31 cee®e& 2019 keÀes legueve he$e keÀer Devegmetef®e³eeb

efJeJejCe 31/03/2019 keÀes 31/03/2018 keÀes
` ` ` `
Devegmet®eer 1 : hetbpeer
heéefOeke=Àle hetbpeer 5,00,00,000 5,00,00,000
he´l³eskeÀ ©. 10/- kesÀ 500,00,00,000 Mes³ej he´l³eskeÀ ©. 10/- kesÀ (iele Je<e&
500,00,00,000 Mes³ej)
efveie&efcele, DeefYeoÊe SJeb heóÊe hetbpeer :
FeqkeÌJeìer Mes³ej 4,04,72,014 2,61,81,558
FeqkeÌJeìer Mes³ej he´l³eskeÀ ©. 10/- kesÀ 26,18,155,755 FeqkeÌJeìer Mes³ej (iele Je<e&
1,90,21,70,964 FeqkeÌJeìer Mes³ej) meefnle kesÀê mejkeÀej Üeje Oeeefjle he´l³eskeÀ ©. 10/- kesÀ
22,62,123,970 FeqkeÌJeìer Mes³ej (iele Je<e& 154,61,39,79 FeqkeÌJeìer Mes³ej)
kegÀue 4,04,72,014 2,61,81,558
Devegmet®eer 2 : heéjef#ele efveefOe³eeb SJeb DeefOeMes<e

I. meebefJeefOekeÀ heéjef#ele efveefOe³eeb
efheíues leguevehe$e kesÀ Devegmeej Mes<e jeefMe 2,06,35,979 2,06,35,979
Je<e& kesÀ oewjeve heefjJeOe&ve - -
2,06,35,979 2,06,35,979
II. heéjef#ele efveefOe
i) hegvecet&u³eve heéjef#ele efveefOe³eeb
Je<e& kesÀ oewjeve hegvecetu& ³eve mes Je=e×f 91,575 -
IeìeSb: jepemJe SJeb Dev³e heéjef#ele efveefOe³eeW ceW DeblejCe 6,48,045 7,51,349
Je<e& kesÀ oewjeve keÀceer - -
3,07,45,958 3,13,02,428
ii) efveJesMe heéjef#ele efveefOe³eeb
Je<e& kesÀ oewjeve heefjJeOe&ve 5,63,762 9,18,685
1,16,55,147 1,10,91,385
III. Mes³ej heérefce³ece
Je<e& kesÀ oewjeve heefjJeOe&ve /mecee³eespeve 5,16,29,543 5,12,50,152
22,15,38,334 16,99,08,791
IV. jepemJe SJeb Dev³e heéjef#ele efveefOe³eeb
i) jepemJe heéjef#ele efveefOe³eeb
peesæ[s: hetbpeer jepemJe mes DeblejCe 6,48,045 7,51,349
Je<e& kesÀ oewjeve heefjJeOe&ve (Sme [dyu³et efveefOe) 6,959 -
IeìeSb : Je<e& kesÀ oewjeve keÀìewefle³eeb 1,10,503 1,87,090
2,58,11,273 2,52,66,772
V. efJeMes<e heéjef#ele efveefOe³eeb Dee³ekeÀj DeefOeefve³ece kesÀ ³et/Sme 36 (1)(viii) 10,00,000 10,00,000
VI. ueeYe SJeb neefve Keeles ceW Mes<e jeefMe (16,25,10,139) -10,55,31,577
kegÀue 14,88,76,552 15,36,73,778
93

` ` ` `
Devegmet®eer 3 : peceejeefMe³eeb
S. I. ceebie peceejeefMe³eeb
i) yeQkeÀ mes 1,32,14,516 43,03,783
ii) Dev³e mes 15,09,51,022 14,25,61,085
16,41,65,538 14,68,64,868
II. ye®ele yeQkeÀ peceejeefMe³eeb 1,22,13,88,674 1,10,50,92,892
III. meeJeefOe peceejeefMe³eeb
i) yeQkeÀ mes 2,70,05,949 4,01,77,032
ii) Dev³e mes 1,58,59,94,207 1,65,62,53,781
1,61,30,00,156 1,69,64,30,813
kegÀue 2,99,85,54,368 2,94,83,88,573
yeer. i) Yeejle ceW eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb 2,99,85,54,368 2,94,83,88,573
ii) Yeejle kesÀ yeenj eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb - -
Devegmet®eer 4 : GOeej jeefMe³eeb

I. Yeejle ceW GOeej jeefMe³eeb
i) Yeejleer³e efj]peJe& yeQkeÀ - -
ii) Dev³e yeQkeÀ 44,471 11,534
iii) Dev³e mebmLeeve SJeb Speseqvme³eeb 29,55,145 41,08,628
iv) Deveejef#ele heéfleos³e yee@v[dme (ieewCe $eÝCe) 50,00,000 77,00,000
V) Dehej efì³ej II yee@v[dme 2,30,00,000 2,88,50,000
vi) veJeevces<e yesefce³eeoer $eÝCe efueKele 13,91,000 13,91,000
vii) Demegjef#ele hegve&cees®eveer³e Svemeer yeemeue III yee@C[me (ìer³ej II) 2,00,00,000 1,50,00,000
5,23,90,616 5,70,61,162
II. Yeejle kesÀ yeenj GOeejjeefMe³eeb - -
kegÀue 5,23,90,616 5,70,61,162
Ghe³eg&ÊeÀ I SJeb II ceW Meeefceue jef#ele GOeejjeefMe³eeb efvejbkeÀ efvejbkeÀ
Devegmet®eer 5 : Dev³e os³eleeSb SJeb heéJeOeeve

I. os³e efyeue 64,54,286 69,18,635
II. Deblej-keÀe³ee&ue³e mecee³eespeve (Meg×) - 55,26,439
III. Gheef®ele y³eepe 83,71,940 77,60,143
IV. DeemLeefiele keÀj os³elee -
V. Dev³e (heéJeOeeve meefnle) 4,99,31,454 5,67,42,466
kegÀue 6,47,57,680 7,69,47,683
94

` ` ` `
Devegmet®eer 6 : Yeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer SJeb Mes<e jeefMe
I. Ômles vekeÀoer (efJeosMeer cegêe meefnle) 1,33,75,164 1,50,54,784
II. Yeejleer³e efjpeJe& yeQkeÀ ceW Mes<e jeefMe
®eeuet KeeleeW ceW 14,04,15,686 13,59,44,304
Dev³e KeeleeW ceW 5,40,00,000 20,90,00,000
19,44,15,686 34,49,44,304
kegÀue 20,77,90,850 35,99,99,088
Devegmet®eer 7 : yeWkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe
I. Yeejle ceW
i) yeQkeÀeW kesÀ heeme Mes<e jeefMe
S) ®eeuet KeeleeW ceW 6,65,590 11,47,045
yeer) Dev³e pecee KeeleeW ceW 6,880 13,045
ii) ceebie Je Deuhe met®evee hej jeefMe
S) yeQkeÀeW kesÀ heeme 19,00,000 -
yeer) Dev³e mebmLeeDeeW kesÀ heeme 10,15,66,371 2,01,07,348
10,41,38,841 2,12,67,438
II. Yeejle kesÀ yeenj
S) ®eeuet KeeleeW ceW 69,582 68,427
yeer) Dev³e pecee KeeleeW ceW 35 1,09,49,400
meer) ceebie Je Deuhe met®evee hej jeefMe - -
69,617 1,10,17,827
kegÀue 10,42,08,458 3,22,85,265
Devegmet®eer 8 : efveJesMe
I. Yeejle ceW efveJesMe*
i) mejkeÀejer heéfleYetefle³eeW ceW 96,20,60,271 81,31,71,345
ii) Dev³e Devegceesefole heéfleYetefle³eeb - -
iii) Mes³eme& 83,42,097 1,26,11,655
iv) ef[yeW®ej SJeb yeeb[dme 21,46,94,317 14,22,05,198
v) Deveg<ebefie³eeb SJeb heé³eesefpele mebmLeeve 30,39,987 30,39,987
vi) Dev³e (³etìerDeeF& Mes³eme& SJeb JeeefCeeqp³ekeÀ hesheme& c³et®egDeue HebÀ[ ³etefveìdme Deeefo 6,43,69,140 5,48,13,052
1,25,25,05,812 1,02,58,41,237
II. Yeejle kesÀ yeenj efveJesMe**
efJeosMeeW ceW Deveg<ebefie³eeb SJeb DemeesefMeSìdme 4,74,885 4,74,885
kegÀue 1,25,29,80,697 1,02,63,16,122
* Yeejle ceW efveJesMe
mekeÀue cetu³e 1,29,17,18,017 1,05,24,71,735
IeìeSb : cetu³eneme nsleg heéJeOeeve 3,92,12,205 2,66,30,498
Meg× cetu³e 1,25,25,05,812 1,02,58,41,237
** Yeejle kesÀ yeenj efveJesMe
mekeÀue cetu³e 4,75,100 4,75,100
IeìeSb : cetu³eneme nsleg heéJeOeeve 215 215
Meg× cetu³e 4,74,885 4,74,885
95

` ` ` `
Devegmet®eer 9 : Deefieće
S. i) Kejeros ieS SJeb YegveeS ieSs efyeue 1,11,08,722 1,21,08,770
ii) vekeÀo GOeej, DeesJej [êHeÌì SJeb ceebie hej heéfleos³e $eÝCe 70,50,21,260 70,53,09,854
iii) ceer³eeoer $eÝCe 74,91,23,624 84,80,03,147
kegÀue 1,46,52,53,606 1,56,54,21,771
yeer. DeefiećeeW keÀe efJeJejCe
i) cetle& Deeeqmle³eeW Üeje jef#ele (yener $eÝCe kesÀ mece#e DeefiećeeW meefnle) 1,37,15,43,682 1,46,46,06,458
ii) yeQkeÀ/mejkeÀejer ieejbìer Üeje jef#ele 71,60,273 41,63,297
iii) Dejef#ele 8,65,49,651 9,66,52,016
kegÀue 1,46,52,53,606 1,56,54,21,771
meer. DeefiećeeW keÀe Keb[Jeej JeieeakeÀjCe
(I) Yeejle ceW Deefieće
i) heéLeefcekeÀlee heéhle #es$e 77,46,50,563 78,35,46,358
ii) meeJe&peefvekeÀ #es$e 4,18,77,509 4,39,19,258
iii) yeQkeÀ 11,452 1,643
iv) Dev³e 64,87,14,082 73,79,54,512
kegÀue 1,46,52,53,606 1,56,54,21,771
(II) Yeejle kesÀ yeenj Deefieće - -
Devemet®eer 10 :De®eue Deeeqmle³eeb

I. heefjmej
(ueeiele/hegvecet&u³eebefkeÀle ueeiele hej )
efheíues Je<e& 31 cee®e& keÀes Mes<e jeefMe 4,03,28,001 4,01,28,537
Je<e& kesÀ oewjeve heefjJeOe&ve (hegvecetu& ³eebkeÀ meefnle) 14,580 1,99,464
kegÀue 4,03,42,581 4,03,28,001
Je<e& kesÀ oewjeve keÀceer / mecee³eespeve 1,13,186 -
Fme efoveebkeÀ keÀes cetu³eÛeme 73,27,018 67,85,203
kegÀue 3,29,02,377 3,35,42,798
II. Dev³e De®eue Deeeqmle³eeb
(HeÀveea®ej SJe peg[veej meefnle)
Je<e& kesÀ oewjeve heefjJeOe&ve/mecee³eespeve 27,56,744 34,88,370
kegÀue 3,18,17,831 2,98,30,225
Je<e& kesÀ oewjeve keÀceer/ mecee³eespeve 6,07,292 7,69,138
kegÀue 3,12,10,539 2,90,61,087
Fme efoveebkeÀ keÀes cetu³eneme 2,10,10,478 1,91,70,074
kegÀue 1,02,00,061 98,91,013
kegÀue (I Deewj II) 4,31,02,438 4,34,33,811
96

` ` ` `
Devegmet®eer 11 : Dev³e Deeeqmle³eeb

I. Gheef®ele y³eepe 1,84,62,354 1,67,85,595
II. Deefieće keÀj Yegieleeve/m$eesle hej keÀeìe ie³ee keÀj (Meg× heéJeOeeve) 5,16,34,457 5,34,81,235
III. mìsMevejer SJeb mìeche 2,01,811 1,99,846
IV. oeJeeW keÀer hete|le mes Dee|pele iewj yeQeEkeÀie Deeeqmle³eeb - -
V. DeemLeefiele keÀj Deeeqmle³eeb 7,89,40,100 5,36,80,300
VI. Deblej keÀe³ee&ue³e mecee³eespeve (Meg×) 12,55,928 -
VII. Dev³e 8,33,45,940 11,06,49,721
kegÀue 23,38,40,590 23,47,96,697
Devegmet®eer 12 : DeekeÀeqmcekeÀ os³eleeSb

I. (S) yeQkeÀ kesÀ efJeª× oeJes efpevnW $eÝCe kesÀ ªhe ceW veneR ceevee 10,52,491 11,03,950
ie³ee nw.
(yeer) Deheerue, mebMeesOeve Deeefo kesÀ Debleie&le efJeJeeefole Dee³ekeÀj 2,56,91,553 2,97,99,058
ceebie
II. DeebefMekeÀ heóÊe efveJesMeeW kesÀ efueS os³elee 52,498 76,140
III. yekeÀe³ee Jee³eoe efJeosMeer cegêe mebefJeoeDeeW kesÀ keÀejCe os³elee 64,44,32,269 92,83,13,329
IV. ieénkeÀeW keÀer Deejs mes heóÊe ieejbìer
S) Yeejle ceW 11,56,86,575 10,44,10,635
yeer) Yeejle kesÀ yeenj 71,56,062 28,39,496
12,28,42,637 10,72,50,131
V. mJeerke=Àefle³eeb, he=ÿebkeÀve leLee Dev³e oeef³elJe 6,61,57,213 12,30,09,267
VI. Dev³e ceoW, efpevekesÀ efueS yeQkeÀ DeekeÀeqmcekeÀ ªhe mes osveoej nw 64,53,361 44,26,773
kegÀue 86,66,82,022 1,19,39,78,648
97
efoveebkeÀ 31 cee®e& 2019 keÀes meceehle Je<e& kesÀ efueS ueeYe SJeb neefve Keeles keÀer Devegmetef®e³eeb
efJeJejCe 31 cee®e& 2019 31 cee®e& 2018
` `
Devegmet®eer 13 : Dee|pele y³eepe
I. DeefiećeeW/efyeueeW hej y³eepe/ yeÆe 12,94,97,463 14,47,87,536
II. efveJesMeeW hej Dee³e 8,45,42,399 7,13,73,632
III. Yeejleer³e efjpeJe& yeQkeÀ SJeb Dev³e Deblej-yeQkeÀ efveefOe³eeW Mes<e jeefMe hej y³eepe 87,28,057 2,05,85,442
IV. Dev³e keÀer 36,17,788 36,08,561
kegÀue 22,63,85,707 24,03,55,171
Devegmet®eer 14 : Dev³e Dee³e

I. keÀceerMeve, efJeefvece³e SJeb oueeueer 1,20,38,126 1,26,24,751
II. efveJesMeeW keÀer efye¬eÀer hej ueeYe (Meg×) 21,51,879 57,66,755
III. efveJesMeeW kesÀ hegvecet&u³eebkeÀve hej ueeYe / (neefve) - -
IV. Yetefce, YeJeveeW SJeb Dev³e Deeeqmle³eeW keÀer efye¬eÀer mes ueeYe / (neefve) (44,269) (44,982)
V. efJevece³e uesve osveeW hej ueeYe (Meg×) 14,04,372 14,09,054
VI. Yeejle/efJeosMeeW ceW Deveg<ebefie³eeW SJeb SmeesefMeSìdme mes ueeYeeMeb Fl³eeefo kesÀ ªhe ceW Dee|pele Dee³e 52,200 1,00,972
VII. efJeefJeOe Dee³e 85,27,060 63,66,963
kegÀue 2,41,29,368 2,62,23,513
Devegmet®eer 15 : heóÊe y³eepe

I. peceejeefMe³eeW hej y³eepe 15,27,63,230 16,22,26,890
II. Yeejleer³e efjpeJe& yeQkeÀ / Deblej yeQkeÀ GOeej jeefMe³eeW hej y³eepe 47,690 45,704
III. Dev³e 58,52,978 1,29,12,485
kegÀue 15,86,63,898 17,51,85,079
Devegmet®eer 16 : heefj®eeueve J³e³e

I. keÀce&®eeefj³eeW keÀes Yegieleeve SJeb GvekesÀ efueS heéJeOeeve 3,56,52,216 3,98,33,703
II. efkeÀje³ee, keÀj SJeb efyepeueer 47,24,267 47,46,738
III. cegêCe SJeb uesKevemeeceieér 2,87,739 3,62,698
IV. efJe%eeheve SJeb he´®eej- he´meej 1,05,710 2,41,456
V. yeQkeÀ keÀer mebheefÊe hej cetu³eneme 27,77,242 26,03,090
VI. efveosMekeÀeW keÀer HeÀerme, YeÊes SJeb Ke®eX 14,557 10,622
VII. uesKeehejer#ekeÀeW keÀer HeÀerme SJeb Ke®ex (MeeKee uesKeehejer#ekeÀeW meefnle) 3,03,412 1,98,592
VIII. efJeefOe heÝeej 1,67,276 1,71,272
IX. [ekeÀ, leej, ìsueerHeÀesve Fl³eeefo 8,99,275 6,63,447
X. cejccele SJeb jKejKeeJe 9,88,942 11,32,748
XI. yeercee 30,00,804 35,71,763
XII. Dev³e J³e³e 1,16,64,810 1,05,27,560
kegÀue 6,05,86,250 6,40,63,689
98
Devegmet®eer 17 - cenÊJehetCe& uesKeebkeÀve veerefle³eeb :

1. S ) lew³eej keÀjves keÀe DeeOeej :
efJeÊeer³e efJeJejefCe³eeb ueeYekeÀejer keÀejesyeej Jeeues mebmLeeve keÀer DeJeOeejCee keÀe DevegmejCe keÀjles ngS, heefjmejeW kesÀ hetvecet&u³eve kesÀ ceeceueeW keÀes íesæ[ keÀj
hejbhejeiele ueeiele efme×eble hej lew³eej keÀer ieF& nQ. SJeb meYeer leeeqlJekeÀ henuegDeeW kesÀ mebyebOe ceW Jes Yeejle ceW meeceev³ele³ee mJeerke=Àle uesKeebkeÀve efme×ebleeW (peerSSheer)
kesÀ Devegªhe nw, efpeveceW ueeiet meebefJeefOekeÀ heéJeOeeve, yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece 1949 kesÀ heéJeOeeveeW meefnle Yeejleer³e efjpeJe& yeQkeÀ Üeje efJeefvee|oä
efJeefve³eecekeÀ ceeveob[eW, uesKeebkeÀve ceevekeÀeW (SSme) leLee Fbmìerìîetì Dee@HeÀ ®eeì&[& DekeÀeGvìWìmed Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer GoIees<eCeeSb leLee
Yeejle kesÀ yeQeEkeÀie GÐeesie ceW he´®eefuele he´LeeSb meceeefJeä nQ.
yeer) heékeÌkeÀueveeW keÀe Ghe³eesie :
efJeÊeer³e efJeJejCeeW keÀes lew³eej keÀjves ceW efJeÊeer³e efJeJejCe keÀer efleefLe keÀes metef®ele Deeeqmle³eeW SJeb os³eleeDeeW (DeekeÀeqmcekeÀ os³eleeDeeW meefnle) keÀer jeefMe leLee
efjheese\ìie Je<e& kesÀ oewjeve metef®ele Dee³e SJeb J³e³e hej efJe®eej keÀjles ngS heýebOeleb$e kesÀ heékeÌkeÀueveeW Deewj hetJee&vegceeve keÀer DeeJeM³ekeÀlee nesleer nw. heýebOeleb$e keÀes ³en
efJeéeeme neslee nw efkeÀ efJeÊeer³e efJeJejCeeW keÀer lew³eejer ceW Ghe³eesie efkeÀS ieS heékeÌkeÀueve efJeJeskeÀmeccele SJeb mecegef®ele nQ.
DeekeÀeqmcekeÀleeSb leye ope& keÀer peeleer nQ peye efkeÀmeer os³elee kesÀ GlheVe nesves keÀer mebYeeJevee nes leLee GmekeÀer jeefMe keÀe leke&Àmebiele DeekeÀueve efkeÀ³ee pee mekeÀlee nes.
2. yeer) efJeosMeer cegêe mes mebyebefOele uesve-osve :
2.1 uesveosveeW keÀes heéjcYe ceW efheíues efove kesÀ Debeflece oj hej ope& efkeÀ³ee peelee nw.
2.2 efJeosMeer cegêeDeeW ceW ceewefêkeÀ Deeeqmle³eeW Je os³eleeDeeW keÀe efveOee&jCe Yeejleer³e efJeosMeer cegêe J³eeheej mebIe (HesÀ[eF&) Üeje efleceener keÀer meceeeqhle hej DeefOemetef®ele
he´®eefuele efJeefvece³e oj hej efkeÀ³ee peelee nw leLee heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve Keeles ceW oMee&³ee peelee nw.
2.3 Dee³e SJeb J³e³e keÀer ceoeW keÀe efveOee&jCe uesve-osve keÀer leejerKe keÀes ueeiet efJeefvece³e ojeW hej efkeÀ³ee peelee nw.
2.4 efJeosMeer cegêe ceW ieejbìer, meeKehe$e, mJeerke=Àefle³eeb, he=ÿebkeÀve, leLee Dev³e oeef³elJe efleceener keÀer meceeeqhle hej HesÀ[eF& Üeje DeefOemetef®ele ojeW hej efveOee&efjle keÀer
peeleer nQ.
2.5 yekeÀe³ee Jee³eoe mebefJeoeSb efleceener keÀer meceeeqhle hej HesÀ[eF& Üeje DeefOemetef®ele ojeW hej efveOee&efjle keÀer peeleer nQ Deewj heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve
Keeles ceW oMee&³ee peelee nw.
3. efveJesMe :
3.1 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMee-efveoxMeeW kesÀ Devegmeej efveJesMeeW keÀes ’heefjhekeÌJelee lekeÀ Oeeefjle“, ’J³eeheej nsleg Oeeefjle“ leLee ’efJe¬eÀ³e kesÀ efueS
GheueyOe“ ÞesefCe³eeW ceW ÞesCeerke=Àle efkeÀ³ee ie³ee nw. leLeeefhe, leguevehe$e ceW oMee&ves kesÀ efueS efveJesMeeW keÀes efvecve Meer<e&keÀeW kesÀ Debleie&le Jeieeake=Àle efkeÀ³ee ie³ee nw
i. mejkeÀejer heéfleYetefle³eeb
ii. Dev³e Devegceesefole heéfleYetefle³eeb
iii. Mes³eme&
iv. ef[yeW®eme& SJeb yee@C[med
v. Deveg<ebieer SJeb heé³eesefpele mebmLeeveeW ceW efveJesMe SJeb
vi. Dev³e (JeeefCeeqp³ekeÀ heshej SJeb c³et®³egDeue HebÀ[ keÀer ³etefveìdme)
3.2 JeieeakeÀjCe keÀe DeeOeej :
Kejero kesÀ mece³e efveJesMe keÀe JeieeakeÀjCe efvecve ÞesefCe³eeW ceW efkeÀ³ee peelee nw :
i) heefjhekeÌJelee lekeÀ Oeeefjle
FveceW Jes efveJesMe Meeefceue nQ, efpevnW yeQkeÀ heefjhekeÌJelee lekeÀ jKevee ®eenlee nw. Deveg<ebieer SJeb men³eesieer ceW efveJesMe keÀes Yeer ’heefjhekeÌJelee lekeÀ Oeeefjle “ kesÀ
Debleie&le ÞesCeerke=Àle efkeÀ³ee peelee nw.
ii) J³eeheej kesÀ efueS Oeeefjle
heéfleYetefle³eeb, pees cegK³e ªhe mes Kejero keÀer leejerKe mes 90 efoveeW kesÀ Yeerlej hegve: efye¬eÀer kesÀ efueS jKeer peeleer nQ.
iii) efJe¬eÀ³e kesÀ efueS GheueyOe
Jes efveJesMe pees Ghe³eg&ÊeÀ oes ÞesefCe³eeW ceW Jeieeake=Àle veneR efkeÀS pee mekeÀles nQ.
99
ÞesefCe³eeW kesÀ ceO³e heéfleYetefle³eeW keÀe DeblejCe :

3.3
efveJesMe keÀer leerve ÞesefCe³eeW kesÀ yeer®e heéfleYetefle³eeW keÀe DeblejCe, DeblejCe keÀer leejerKe keÀes v³etvelece DeefOeieńCe ueeiele / yener cetu³e DeLeJee yeepeej cetu³e hej
uesKeebefkeÀle keÀer peeleer nw. Fme DeblejCe hej cetu³eÛeme, ³eefo nw, keÀe hetCe& heéJeOeeve efkeÀ³ee peelee nw.
cetu³eefveOee&jCe :
3.4
S) heefjhekeÌJelee lekeÀ Oeeefjle :
Fme ÞesCeer kesÀ Debleie&le Jeieeake=Àle efveJesMe keÀes DeefOeieńCe ueeiele hej cetu³eebefkeÀle efkeÀ³ee peelee nw. DebefkeÀle cetu³e mes DeefOekeÀ DeefOeieńCe ueeiele/yener cetu³e
kesÀ DeeefOekeÌ³e keÀes heefjhekeÌJelee keÀer Mes<e DeJeefOe kesÀ efueS heefjMeesefOele efkeÀ³ee peelee nw.
Deveg<ebieer SJeb men³eesieer ceW efveJesMe keÀe cetu³eebkeÀve he´l³eskeÀ Jew³eefÊeÀkeÀ efveJesMe kesÀ efueS, pees Deheves mJeªhe ceW DemLeeF& mes Deueie nw, kesÀ jKeeJe ueeiele ceW
Ûeme keÀes IeìekeÀj efkeÀ³ee peelee nw.
yeer) efJe¬eÀ³e kesÀ efueS GheueyOe :
Fme ÞesCeer kesÀ Debleie&le efveJesMeeW keÀes efleceener Deblejeue hej eqm¬eÀheJeej yeepeej kesÀ efueS efvecveJele ef®eeqvnle efkeÀ³ee peelee nw :
i) kesÀvê mejkeÀej keÀer heéfleYetefle³eeb mìe@keÀ SkeÌme®eWpe/SHeÀDeeF&SceSce[erS/ heer[erSDeeF& Üeje Ieesef<ele yeepeej cetu³e hej
ii) jep³e mejkeÀej keÀer heéfleYetefle³eeb, kesÀvê/ heefjhekeÌJelee Dee³e hej efJeefve³eespeve kesÀ DeeOeej hej
jep³e mejkeÀej Üeje ieejvìerke=Àle
heéfleYetefle³eeb,
iii) ì^spejer efyeue/pecee-hećeeCehe$e/ jKeeJe ueeiele hej
JeeefCeeqp³ekeÀ heshej
iv) FeqkeÌJeìer Mes³eme& S) G×=le : yeepeej cetu³e hej
yeer) Deveg×=le : heéfle Mes³ej yener cetu³e hej, ³eefo, veJeervelece (SkeÀ Je<e& mes DeefOekeÀ hegjevee
veneR) leguevehe$e GheueyOe nes, ³ee ` 1.00 heéfle kebÀheveer, ³eefo veJeervelece
leguevehe$e GheueyOe ve nes.
v) DeefOeceeveer Mes³eme& S) G×=le : yeepeej cetu³e hej
yeer) Deveg×=le : heefjhekeÌJelee hej Gef®ele Dee³e
vi) ef[yeW®ej SJeb yee@C[dme S) G×=le : (efheíues 15 efoveeW ceW J³eeheej efkeÀS ieS) Debeflece J³eeheej cetu³e hej
vii) c³eg®³egDeue HebÀ[ S) G×=le : yeepeej cetu³e hej
yeer) Deveg×=le : hegveë ¬eÀ³e cetu³e hej ³ee Meg× Deeeqmle cetu³e (peneb hegveë ¬eÀ³e cetu³e GheueyOe ve
nes)
viii) JeW®ej hetbpeer efveefOe (JeermeerSHeÀ) Ieesef<ele Meg× heefjmecheefÊe cetu³e DeLeJee uesKee hejeref#ele legueve-he$e kesÀ DeeOeej hej, Meg× heefjmecheefÊe
kesÀ ye´skeÀ-Dehe DeebkeÀæ[s, peesefkeÀ 18 ceen mes hegjeves ve neW. ³eefo Meg× heefjmebheefÊe cetu³e / uesKee
hejeref#ele efJeÊeer³e heefjCeece ueieeleej 18 ceen mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS GheueyOe ve neW,
leye heéfle JeW®ej hetbpeer efveefOe (JeermeerS) kesÀ efueS ` 1/-
Ix heéfleYetefle heéeqhle³eeb (SmeDeej) Smeyeer /SDeejmeer Üeje metef®ele Deeeqmle cetu³e hej
heéfleYetefle³eeW kesÀ yener cetu³e keÀes mecee³eesefpele efkeÀS efyevee he´l³eskeÀ ÞesCeer kesÀ Debleie&le Meg× cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw SJeb Meg× cetu³eÛeme, ³eefo
keÀesF& nes, keÀes vepejDeboepe efkeÀ³ee peelee nw.
meer) J³eeheej kesÀ efueS Oeeefjle :
Fme ÞesCeer kesÀ Debleie&le Jeieeake=Àle efveJesMeeW keÀe cetu³eebkeÀve ceeefmekeÀ Deblejeue hej yeepeej ojeW hej, peneb GheueyOe nQ, DeLeJee SHeÀDeeF&SceSce[erS Üeje
Ieesef<ele cetu³eeW hej efkeÀ³ee peelee nw. heéfleYetefle kesÀ yener cetu³e keÀes mecee³eesefpele efkeÀS efyevee he´l³eskeÀ ÞesCeer kesÀ Debleie&le Meg× cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee
ie³ee nw SJeb Meg× cetu³eÛeme, ³eefo keÀesF& nes, keÀes vepejDeboepe efkeÀ³ee peelee nw.
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ueeiele efveOee&jCe :
3.5
i) efveJesMe keÀer ueeiele keÀe efveOee&jCe Yeeefjle Deewmele ueeiele kesÀ DeeOeej hej efkeÀ³ee peelee nw.
ii) heéfleYetefle³eeW keÀer Kejero hej heéhle yeéskeÀjspe, heéslmeenve, heéjeqcYekeÀ MegukeÀ Fl³eeefo keÀes efveJesMe keÀer ueeiele ceW mes Ieìe³ee peelee nw.
iii) heéfleYetefle³eeW kesÀ DeefOeieńCe hej nesves Jeeues Ke®e& ³eLee yeéskeÀjspe, MegukeÀ, keÀceerMeve DeLeJee keÀjeW keÀes jepemJe hej heÝeeefjle efkeÀ³ee peelee nw.
Dee³e efveOee&jCe :
3.6
i. efveJesMeeW keÀer efye¬eÀer/heéfleoeve hej ueeYe DeLeJee neefve keÀes ueeYe SJeb neefve Keeles ceW efue³ee ie³ee nw. leLeeefhe ’heefjhekeÌJelee kesÀ efueS Oeeefjle“ ÞesCeer kesÀ
efveJesMeeW keÀer efye¬eÀer/heéfleoeve hej ueeYe kesÀ ceeceues ceW, mecelegu³e jeefMe ’hetbpeer heéjef#ele efveefOe“ ceW efJeefve³eesefpele keÀer ie³eer nw.
ii. efveJesMeeW keÀer leerve ÞesefCe³eeW ceW mes efkeÀmeer ceW Yeer Meeefceue heéfleYetefle³eeW kesÀ mecyebOe ceW, peneb y³eepe/cetue Oeve 90 efove mes DeefOekeÀ mece³e kesÀ efueS yekeÀe³ee
nw, Jeneb Dee³e keÀer ieCevee veneR keÀer ieF& nw leLee iewj efve<heeokeÀ DeefiećeeW hej ueeiet efJeJeskeÀhetCe& ceeveob[eW kesÀ Devegmeej efkeÀS ieS efveJesMeeW kesÀ cetu³eÛeme nsleg
Ghe³egÊeÀ heéJeOeeve efkeÀ³ee ie³ee nw. Deefieće keÀer he´ke=Àefle kesÀ ef[yeW®ej/yee@C[, DeefiećeeW hej ueeiet meeceev³e efJeJeskeÀhetCe& ceeveob[eW kesÀ DeOeerve jKes ieS nQ.
iii. jep³e mejkeÀej Üeje ieejbìerke=Àle $eÝCe keÀes DeJeceevekeÀ/mebefoiOe/neefve, pewmee Yeer ceeceuee nes, kesÀ meeLe ceW Jeieeake=Àle efkeÀ³ee peelee nw ³eefo yeQkeÀ keÀes
os³e y³eepe SJeb/DeLeJee cetue Oeve ³ee Dev³e keÀesF& jeefMe 90 efove mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e nes efJeJeskeÀmeccele ceeveob[eW kesÀ Devegmeej
DeeJeM³ekeÀ heéJeOeeve efkeÀ³es ieS neW DeLeJee mece³e mece³e hej Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efkeÀS ieS efoMeeefveoxMeeW kesÀ Devegmeej Dev³eLee DeeJeM³ekeÀ neW.
iv. heéfleYetefle³eeW kesÀ ¬eÀ³e ³ee efye¬eÀer hej Kebef[le DeJeefOe kesÀ y³eepe keÀes Dee³e ceo ceevee ie³ee nw.
jshees/efjJeme& jshees kesÀ efueS uesKeebkeÀve Deewj ®eueefveefOe mecee³eespeve megefJeOee(SueSSHeÀ) :
3.7
YeeefjyeQ kesÀ meeLe SueSSHeÀ meefnle jshees Deewj efjJeme& jshees kesÀ Debleie&le mencele MeleeX hej yes®eer/Kejeroer ieF& heéfleYetefle³eeW kesÀ hegveKe&jero/hegvee|Je¬eÀ³e kesÀ DevegyebOe keÀes
GOeej/ $eÝCe kesÀ ªhe ceW ceev³e efkeÀ³ee peelee nw.
4. [sefjJesefìJpe :
4.1 efJeÊeer³e neefve mes ye®eeJe-J³eJemLee kesÀ efueS he´³egÊeÀ [sefjJesefìJpe keÀe efvecveevegmeej uesKeebkeÀve efkeÀ³ee ie³ee nw.
i. Ssmes ceeceueeW ceW, efpeveceW Deblee|veefnle Deeeqmle³eeb/os³eleeSb yeepeej keÀes ef®eeqvnle nQ, heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve Keeles ceW efue³ee ie³ee nw.
ii. peneb Deblee|veefnle Deeeqmle³eeb/os³eleeSb yeepeej cetu³e keÀes ef®eeqvnle veneR keÀer ieF& nQ Gve ceeceueeW ceW, y³eepe oj mJewhe, pees y³eepe Oeeefjle Deeeqmle³eeW/os³eleeDeeW
keÀe efJeÊeer³e neefve mes ye®eeJe keÀjles nQ, GvnW Gheef®ele DeeOeej hej uesKeeiele efkeÀ³ee ie³ee nw.
iii. mJewhe meceeeqhle hej ngS ueeYe DeLeJee neefve keÀes mJewhe kesÀ Mes<e mebefJeoeiele DeJeefOe DeLeJee Deeeqmle³eeW/os³eleeDeeW keÀer Mes<e DeJeefOe ceW mes, pees Yeer keÀce nes,
kesÀ DeeOeej hej efveOee&efjle efkeÀ³ee peelee nw.
4.2 J³eeheej kesÀ efueS he´³egÊeÀ [sefjJesefìJpe keÀe efvecveevegmeej uesKeebkeÀve efkeÀ³ee ie³ee nw :
i) ScemeerSkeÌme – SmeSkeÌme, SveSmeF& Deewj ³etveeFìs[ mìe@keÀ SkeÌme®eWpe kesÀ efJeefvece³e efoMeeefveoxMeevegmeej keÀjWmeer HeÌ³et®ej Deewj y³eepe oj HeÌ³et®ej keÀes owefvekeÀ
DeeOeej hej yeepeej nsleg ef®eeqvnle efkeÀ³ee peelee nw.
ii) SceìerSce ueeYe/neefve ceee|peve Keeles ceW owefvekeÀ DeeOeej hej pecee/ veeces Üeje uesKeebefkeÀle efkeÀ³ee peelee nw Deewj Jener Debeflece efveheìeve kesÀ mece³e yeQkeÀ kesÀ
ueeYe Deewj neefve Keeles ceW uesKeebefkeÀle nesvee ®eeefnS.
iii) yeepeej kesÀ efueS ì^seE[ie mJewhe efve³eefcele Deblejeue hej ef®eeqvnle efkeÀS peeles nw. efkeÀmeer Yeer lejn keÀer SceìerSce neefve ope& keÀer peeleer nw Deewj efkeÀmeer he´keÀej
kesÀ ueeYe, ³eefo nes lees GvekeÀer Ghes#ee keÀer peeleer nw.
iv) mJewhe keÀer meceeeqhle hej heéeqhle DeLeJee neefve keÀes GhejesÊeÀ ns[ kesÀ Debleie&le lelkeÀeue Dee³e/J³e³e kesÀ ªhe ceW DeefYeuesefKele efkeÀ³ee peelee nw.
5. Deefieće :
5.1 DeefiećeeW keÀes ceevekeÀ, DeJeceevekeÀ, mebefoiOe DeLeJee neefve Deeeqmle³eeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nw leLee Fme mecyebOe ceW Dehesef#ele heéJeOeeve Yeejleer³e
efj]peJe& yeQkeÀ Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW kesÀ Devegmeej efkeÀS ie³es nQ DeLeJee mece³e mece³e hej Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efkeÀS ieS efoMeeefveoxMeeW
kesÀ Devegmeej Dev³eLee DeeJeM³ekeÀ nes.
5.2 iewj-efve<heeokeÀ Deeeqmle³eeW ceW DeebefMekeÀ Jemetueer meJe&he´Lece cetue jeefMe kesÀ meeLe Deewj GmekesÀ he½eele y³eepe jeefMe ceW efJeefve³eesefpele keÀer peeleer nw. leLeeefhe, efkeÀmeer
Yeer GOeej Keeles keÀes hetJe& keÀer leejerKe mes iewj efve<heeokeÀ Deeeqmle kesÀ ªhe ceW Jeieeake=Àle keÀjves keÀer DeeJeM³ekeÀlee nw lees, Gme mece³e Keeles ceW keÀer ieF& efkeÀmeer Yeer
Jemetueer keÀes, meJe&he´Lece $eÝCe SJeb Deefieće hej y³eepe (DeLee&le oyeeJeie´mle Deeeqmle³eeW keÀer OeejCeer³e mebj®evee (Sme4S), keÀpe& keÀer jCeveereflekeÀ mebj®evee, oerIee&JeefOe
101
heefj³eespevee $eÝCe keÀer ue®eerueer mebj®evee(5/25), GOeej F&keÀeF³eeW kesÀ mJeeefcelJe keÀe heefjJele&ve (Jee¿e jCeveereflekeÀ keÀpe& hegveme¥j®evee ³eespevee) ceW pecee efkeÀ³ee
peeSiee, peye lekeÀ Keelee ceevekeÀ kesÀ ªhe ceW Jeieeake=Àle Lee.
5.3 Deefieće heéJeOeeveeW, (SveheerS kesÀ ceeceueeW ceW) Deheéhle y³eepe SJeb GOeejkeÀlee&DeeW mes Jemetue keÀer ieF& jeefMe pees efJeefJeOe Keeles ceW jKeer ieF& nw leLee
meerpeerìerSmeDeeF&/F&meerpeermeer mes Jemetue keÀer ieF& jeefMe keÀes IeìekeÀj Deefieće oMee&³es ie³es nQ.
5.4 ceevekeÀ Deeeqmle³eeW kesÀ efueS efkeÀ³ee ie³ee heéJeOeeve Dev³e os³eleeSb SJeb heéJeOeeve – Dev³e ceW Meeefceue nQ.
5.5 yes®eer ieF& efJeÊeer³e Deeeqmle³eeW keÀe efveOee&jCe efvecveevegmeej efkeÀ³ee ie³ee nwë
5.5.1 ³eefo Smemeer/SDeejmeer keÀes keÀer ie³eer efye¬eÀer efveJeue yener cetu³e (SveyeerJeer) mes keÀce keÀercele hej nw lees Jen keÀceer ³ee lees ueeYe SJeb neefve Keeles keÀes
heÝeeefjle keÀer ieF& nw DeLeJee efoveebkeÀ 26.02.2014 keÀes DeLeJee GmekesÀ he½eele keÀer ie³eer Deeeqmle³eeW keÀer efye¬eÀer hej Fme he´keÀej keÀer keÀceer keÀes
Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegªhe oes / SkeÀ Je<e& keÀer DeJeefOe ceW mece³e efJemleeefjle efkeÀ³ee ie³ee nw, pees DeeJeM³ekeÀ he´keÀìerkeÀjCe kesÀ
DeOeerve nw.
5.5.2 ³eefo vekeÀo DeeOeej hej SveyeerJeer mes DeefOekeÀ keÀercele hej efye¬eÀer ngF& nes lees Gme DeeefOekeÌ³e keÀes ueeYe neefve Keeles ceW pecee efkeÀ³ee peelee nw.
5.5.3 ³eefo Smeer/Deejmeer keÀes SveyeerJeer kesÀ cetu³e mes DeefOekeÀ hej efye¬eÀer ngF& nes lees vekeÀo Jemetueer kesÀ meceeve heéJeOeeve DeeefOekeÌ³e keÀes ueeYe neefve Keeles ceW
pecee efkeÀ³ee peelee nw SJeb Mes<e ye®es heéJeOeeve DeeefOekeÌ³e keÀes Smeer/Deejmeer keÀes yes®es peeves Jeeueer efJeleer³e Deeeqmle³eeW keÀer keÀceer/neefve kesÀ efueS Ghe³eesie
keÀjves nsleg jKee peelee nw.
6. De®eue Deeeqmle³eeb/cetu³eÛeme :
6.1 De®eue Deeeqmle³eeW keÀe cetu³eÛeme ’cetu³eÛeefmele cetu³e heĆeeueer“ kesÀ Debleie&le efvecve ojeW hej efkeÀ³ee ie³ee nw (keÀch³etìjeW kesÀ DeefleefjÊeÀ, efpevekeÀe cetu³eÛeme meerOeer
keÀìewleer he×efle hej efkeÀ³ee ie³ee nw):
i. heefjmej Devegceeefvele peerJeve keÀeue kesÀ DeeOeej hej DeeOeeefjle heefjJele&veer³e ojeW hej
ii. HeÀveea®ej, efueHeÌì, megjef#ele pecee keÀ#e 10%
iii. Jeenve 20%
iv. JeeleevegketÀueve ³eb$e, ketÀuej, ìeFhejeFìj Deeefo 15%
v. efmemìce mee@HeÌìJes³ej meefnle kebÀh³etìj 33.33%
(DeefOeieńCe Je<e& kesÀ oewjeve SeqhuekesÀMeve mee@HeÌìJes³ej keÀes Dee³e ceW heÝeeefjle efkeÀ³ee peelee nw)
6.2 99 Je<eeX kesÀ efueS heÆs hej ueer ie³eer Yetefce keÀes hetCe& mJeeefcelJe Jeeueer Yetefce ceevee peelee nw leLee 99 Je<e& ³ee Gmemes keÀce Je<eeX Jeeueer Yetefce keÀes heÆs hej ueer ieF&
Yetefce ceevee peelee nw. heÆsJeeueer Yetefce keÀe cetu³e heÆs keÀer DeJeefOe ceW heefjMeesefOele efkeÀ³ee peelee nw.
6.3 peneb hej Yetefce Je heefjmej kesÀ cetu³e keÀes Deueie-Deueie keÀjvee mebYeJe veneR nw, Jeneb cetu³eÛeme meeqcceÞe ueeiele hej efkeÀ³ee ie³ee nw.
6.4 ³es Deeeqmle³eeb efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GvekeÀe cetu³eÛeme / heefjMeesOeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw, efpemes ueeYe SJeb neefve Keeles keÀes
heÝeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle jeefMe keÀes efveªheCe ³eesi³e Je=ef×Meerue cetu³eÛeme / heefjMeesOeve keÀes ’Hegvece&gu³eebkeÀve Òeejef#ele efveefOe“ mes Debleefjle keÀj
’jepemJe SJeb Dev³e heéjef#ele efveefOe³eeb“ ceW pecee efkeÀ³ee ie³ee nw.
6.5 30 efmelebyej lekeÀ Deeeqmle³eeW ceW heefjJeOe&ve kesÀ efueS hetjs Je<e& cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw leLee GmekesÀ yeeo heefjJee|Oele Deeeqmle³eeW nsleg DeeOes Je<e& kesÀ
efueS heéJeOeeve efkeÀ³ee ie³ee nw. 30 efmelebyej mes hetJe& yes®eer ieF& Deeeqmle³eeW hej cetu³eÛeme keÀe heéJeOeeve veneR efkeÀ³ee ie³ee nw leLee 30 efmelebyej kesÀ yeeo yes®eer ieF&
Deeeqmle³eeW kesÀ efueS De×& Je<e& kesÀ efueS cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw.
7. keÀce&®eejer ueeYe :
keÀce&®eejer Üeje Je<e& kesÀ oewjeve oer ie³eer mesJeeDeeW kesÀ efueS keÀce&®eejer ueeYeeW keÀes Gheef®ele efkeÀ³ee ie³ee nw. DeuhekeÀeefuekeÀ keÀce&®eejer ueeYe, Jes nesles nQ pees Gme Je<e&
heóeve keÀer ie³eer mesJeeDeeW kesÀ efueS mebyebefOele Je<e& kesÀ ueeYe neefve kesÀ Keeles ceW J³e³e kesÀ ªhe ceW ceevee ie³ee nw.
heefjYeeef<ele ueeYe ³eespevee pewmes ie´s®³egefì ceW DebMeoeve, heWMeve efveefOe SJeb DeJekeÀeMe vekeÀoerkeÀjCe kesÀ Debleie&le oerIe&keÀeefuekeÀ keÀce&®eejer ueeYe kesÀ efueS os³eleeDeeW keÀe
efveOee&jCe yeerceebefkeÀle cetu³eebkeÀve lekeÀveerkeÀ kesÀ Ghe³eesie mes heéhle Jele&ceeve cetu³e kesÀ DeeOeej hej Je<e& kesÀ Deble ceW efkeÀ³ee ie³ee nw. yeerceebefkeÀle ueeYe / neefve keÀer ieCevee
GvekesÀ GlheVe nesves Jeeues Je<e& ceW ner keÀer peeleer nw.
YeefJe<³e efveefOe SkeÀ efveOee&efjle ³eesieoeve nw efpemekesÀ lenle yeQkeÀ hetJe& efveOee&efjle ojeW hej SkeÀ efveOee&efjle ³eesieoeve keÀe Yegieleeve keÀjlee nw. yeQkeÀ keÀe keÀle&J³e Fme efveOee&efjle
³eesieoeve lekeÀ meerefcele nw. ³en ³eesieoeve ueeYe-neefve Keeles mes heÝeeefjle keÀer peeleer nw.
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jeäêr³e heWMeve ³eespevee, pees Gve keÀce&®eeefj³eeW hej ueeiet nw efpevneWves efoveebkeÀ 01.04.2010 keÀes DeLeJee GmekesÀ yeeo yeQkeÀ ceW efve³egefÊeÀ heeF& nw, SkeÀ efveOee&efjle ³eesieoeve
³eespevee nw. yeQkeÀ hetJe& efveOee&efjle oj hej SkeÀ efveeq½ele ³eesieoeve keÀe Yegieleeve keÀjleer nw. yeQkeÀ keÀe keÀle&J³e Fme efveOee&efjle ³eesieoeve lekeÀ meerefcele nw. ³en ³eesieoeve
ueeYe-neefve Keeles mes heÝeeefjle keÀer peeleer nw.
8. Dee³e SJeb J³e³e keÀer hen®eeve :
8.1 efJeefve³eecekeÀ heéJeOeeveeW kesÀ Devegmeej vekeÀo DeeOeej hej uesKeebefkeÀle Dee³e keÀes íesæ[keÀj, Dee³e/ J³e³e keÀer ceoeW keÀes meeceev³eleë Gheef®ele DeeOeej hej uesKeeiele
8.2 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej ³eefo keÀesF& ceo kegÀue Dee³e/kegÀue J³e³e kesÀ 1% mes DeefOekeÀ nes lees GmekesÀ mebyebOe ceW hetJe& keÀer
DeJeefOe keÀe he´keÀìerkeÀjCe efkeÀ³ee ie³ee nw.
8.3 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegªhe Deefleos³e peceeDeeW hej os³e y³eepe nsleg heéJeOeeve efkeÀ³ee peelee nQ.
9. Dee³ekeÀj :
Fme Je<e& kesÀ efueS keÀj nsleg heéJeOeeve ceW DeemLeefiele keÀj leLee ueeiet keÀj keÀevetve kesÀ Devegmeej Jele&ceeve keÀj os³elee keÀer ieCevee keÀer ieF& nw, SkeÀ mece³e ceW GlheVe
nesves Jeeueer keÀj ³eesi³e Dee³e leLee uesKee Dee³e keÀes he½eJeleea DeJeefOe³eeW ceW he´l³eeJee|lele keÀjves ceW me#ece mece³e Deblejeue keÀes Yeer O³eeve ceW jKeles nQ. DeemLeefiele keÀj
Deeeqmle³eeW keÀes Glevee ner ceevee peeSiee efpeleves kesÀ efueS Ssmeer DeemLeefiele keÀj Deeeqmle³eeW kesÀ mece#e he³ee&hle YeeJeer keÀj ³eesi³e Dee³e GheueyOe nesves keÀer leke&Àmebiele
megefveeq½elelee nes. Deeies ueeS ieS DeveJeMeesef<ele DeveJeMeesef<ele cetu³eËeme SJeb keÀj neefve kesÀ ceeceueeW ceW, DeemLeefiele keÀj Deeeqmle³eeW keÀes leYeer ceevee peeSiee peye Ssmeer
DeemLeefiele keÀj Deeeqmle³eeW kesÀe YeeJeer keÀj ³eesi³e Dee³e mes neefmeue efkeÀ³ee pee mekesÀiee. DeemLeefiele keÀj Deeeqmle³eeW keÀer Oeeefjle jeefMe keÀer Jemetueer kesÀ hegveDee¥keÀueve kesÀ
keÀejCe he´l³eskeÀ legueve he$e keÀer leejerKe keÀes meceer#ee keÀer peeleer nw. efJeJeeefole keÀj os³eleeDeeW keÀe uesKeebkeÀve Gme Je<e& ceW efkeÀ³ee peelee nw efpemeceW keÀj efveOee&jCe/Deheerue
keÀej&JeeF& hetCe& nesleer nw, leye lekeÀ FvnW DeekeÀeqmcekeÀ os³eleeDeeW kesÀ ªhe ceW efoKee³ee peelee nw.
10. heéJeOeeve, DeekeÀeqmcekeÀlee SJeb Deveg<ebieer Deeeqmle³eeb
efheíues keÀejCeeW kesÀ HeÀuemJeªhe GlheVe Deefveeq½ele mece³e DeLeJee jeefMe kesÀ Ssmes Jele&ceeve oeef³elJeeW efpevekeÀe efJeéemeveer³e Devegceeve ueiee³ee pee mekeÀlee nes SJeb Gve
oeef³elJeeW kesÀ meceeOeeve kesÀ efueS Deee|LekeÀ ueeYe³egÊeÀ mebmeeOeveeW keÀe yeefnie&ceve mebYeJe nes, kesÀ Jele&ceeve oeef³elJeeW kesÀ efueS heéJeOeeve ceev³e efkeÀS peeles nQ peye Deee|LekeÀ
ueeYe³egÊeÀ mebmeeOeveeW kesÀ yeefnie&ceve keÀer DeeJeM³ekeÀlee mebYeeefJele ve nes DeLeJee jeefMe keÀe efJeéemle DeekeÀueve veneR efkeÀ³ee pee mekeÀlee nes lees Deee|LekeÀ ueeYe ³egÊeÀ
mebmeeOeveeW kesÀ yeefnie&ceve keÀer mebYeeJeveekesÀ Del³evle #eerCe jnves lekeÀ Ssmes oeef³elJeeW keÀes DeekeÀeqmcekeÀ os³elee kesÀ ªhe ceW he´keÀì efkeÀ³ee peelee nw.
Debeflece efJeÊeer³e efJeJejefCe³eeW ceW Deveg<ebieer Deeeqmle³eeW keÀes ve lees ceev³e efkeÀ³ee peelee nw Deewj ve ner he´keÀì efkeÀ³ee peelee nw.
DeeueeskeÀ ÞeerJeemleJe yeer.Sme.MesKeeJele heer.jceCe cetefle&

keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ
heuueJe cenehee$e leheve je³e

heýebOe efveosMekeÀ SJeb meerF&Dees DeO³e#e
Yeeieeroej Yeeieeroej Yeeieeroej
meom³elee meb. 033254 Yeeieeroej
meom³elee meb. 087002 meom³elee meb. 039585 meom³elee meb. 093348
mLeeve: cegbyeF&
103
Devegmet®eer-18 : uesKeeW mes mebyebefOele efìhheefCe³eeb

1. hetBpeer :
efoveebkeÀ 31 cee®e& 20198 keÀes yeQkeÀ keÀer heóÊe FeqkeÌJeìer Mes³ej hetbpeer yeæ{keÀj `4047.20 keÀjesæ[ nes ie³eer pees efheíues Je<e& `2618.16 keÀjesæ[ Leer. ³en Je=ef× leerve
DeeyebìveeW ceW ` 10/- he´l³eskeÀ kesÀ 1429045682 veS FeqkeÌJeìer Mes³eme& peejer keÀjves mes ngF& nw.
S. efoveebkeÀ 13.11.2018 keÀes Yeejle mejkeÀej keÀes ` 56.43 heérefce³ece hej DeefOeceeveer DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 354357970 FeqkeÌJeìer Mes³ej
Deeyebefìle efkeÀS ieS.
yeer. efoveebkeÀ 28.02.2019 keÀes ` 33.31 kesÀ heérefce³ece hej DeefOeceeveer DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 387439390 kesÀ FeqkeÌJeìer Mes³ej Yeejle mejkeÀej keÀes
meer. efoveebkeÀ 28.03.2019 keÀes ` 27.25 kesÀ heérefce³ece hej DeefOeceeveer DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 687248322 kesÀ FeqkeÌJeìer Mes³ej Yeejle mejkeÀej keÀes
2. yeefn³eeW keÀe mecelegueve / efceueeve :
efvecveefueefKele ceoeW keÀe mecelegueve heíeefle hej nw :
– Deblej MeeKee/keÀe³ee&ue³e Mes<e
– Deblej yeQkeÀ Keeles
– efmemìce G®eble Keelee
– G®eble Keelee
– meceeMeesOeve SJeb Dev³e mecee³eespeve Keeles
– vee@efceveue KeeleeW ceW jKes efJeefMeä Mes<e
– veesmìês Keeles
– SìerSce mes mebyebefOele Mes<e
– mesvìûe keÀe[& efJeYeeie Üeje jKes ieS heéfleªhe Keeles
– ke=Àef<e SJeb heéLeefcekeÀ #es$e $eÝCeeW keÀe [eìe / efmemìce DeÐeleve
heýebOeve keÀe cele nw efkeÀ KeeleeW hej meceie´ heÝeeJe, ³eefo keÀesF& nw, lees Jen DeefOekeÀ cenÊJehetCe& veneR nesiee.
3. Dee³e keÀj :
3.1 Je<e& kesÀ efueS Dee³ekeÀj keÀe heéJeOeeve efJeJeeefole ceeceueeW mes mebyebefOele meebefJeefOekeÀ heéJeOeeveeW SJeb v³eeef³ekeÀ efveCe&³eeW hej efJe®eej keÀjves kesÀ yeeo efkeÀ³ee ie³ee nw.
3.2 yeQkeÀ Üeje Yegieleeve efkeÀS ieS DeLeJee Dee³ekeÀj efJeYeeie Üeje mecee³eesefpele efJeJeeefole Dee³e keÀj mebyebOeer Dev³e Deeeqmle³eeb [Devegmet®eer 11 (ii)] ceW ` 2569.16
keÀjesæ[ (efheíues Je<e& ` 2979.91keÀjesæ[) Meeefceue nQ. Ssmes efJeJeeefole ceeceueeW hej efJeefYeVe v³eeef³ekeÀ GodIees<eCeeDeeW SJeb yeQkeÀ kesÀ Deheves ceeceueeW ceW he#e ceW ngS
efveCe&³eeW kesÀ DeeOeej hej keÀj keÀer efJeJeeefole jeefMe keÀe heéJeOeeve efkeÀ³ee peevee yeQkeÀ Üeje DeeJeM³ekeÀ veneR mecePee ie³ee nw.
4. heefjmej :
4.1 yeQkeÀ Üeje heÆs hej efueS ieS heefjmejeW ceW ` 0.75 keÀjesæ[ (efheíues Je<e& `0.75 keÀjesæ[) keÀer mecheefÊe Meeefceue nw efpemekesÀ hebpeerkeÀjCe keÀer Deewhe®eeefjkeÀleeSb
DeYeer Yeer heéf¬eÀ³eeOeerve nQ.
4.2 Ssmeer Deeeqmle³eeb efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GveceW cetu³eÛeme keÀe heéJeOeeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw SJeb ueeYe/neefve Keeles keÀes
heÝeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle jeefMe ` 64.80 keÀjesæ[ (efheíues Je<e& ` 75.13 keÀjesæ[) hej Deejesh³e Je=ef×Meerue cetu³eÛeme keÀer jeefMe keÀes
’Hegvece&tu³eebefkeÀle Deejef#ele efveefOe“ mes Debleefjle keÀj ’jepemJe SJeb Dev³e Deejef#ele efveefOe“ ceW pecee efkeÀ³ee ie³ee nw.
5. Deefieće / heéJeOeeve :
5.1 hees<eCe / hegveJe&meve / hegvee|Jev³eeme keÀe³e&¬eÀce kesÀ Debleie&le Deeves Jeeueer FkeÀeF³eeW meefnle ©iCe FkeÀeF³eeW keÀes efoS ieS Deefieće Deewj mebefoiOe / neefve Deeeqmle³eeW ceW
Jeieeake=Àle Dev³e DeefiećeeW keÀes, yeQkeÀ kesÀ heeme yebOekeÀ jKeer ieF& mecheefle³eeW /Deeeqmle³eeW kesÀ cetu³eebkeÀkeÀeW Üeje efoS ieS leLee yeQkeÀ kesÀ heeme GheueyOe Dev³e DeebkeÀæ[eW
kesÀ DeeOeej hej he´Lece DeLeJee efÜleer³e heÝeej OeejCe keÀjves Jeeueer heéfleYetefle³eeW kesÀ Devegceeefvele Jemetueer ³eesi³e cetu³e lekeÀ heéfleYetle / Jemetueer ³eesi³e ceevee ie³ee nw.
5.2 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej yeQkeÀ ves Meg× SveheerS keÀer ieCevee kesÀ efueS mekeÀue SveheerS ceW mes HeÌueeseEìie heéJeOeeve `100.56
keÀjesæ[ (iele Je<e& ` 100.56 keÀjesæ[) SJeb heéfle®e¬eÀer³e heéJeOeeve keÀer jeefMe ` 47.34 keÀjesæ[ (iele Je<e& ` 47.34 keÀjesæ[) keÀer Megef× keÀer ieF& nw.
104
6. Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMee-efveoxMeeW kesÀ Devegmeej efvecveefueefKele met®eveeSb he´keÀì keÀer ieF& nw :
S. (i) hetbpeer : (` keÀjesæ[ ceW)
¬eÀ.meb. ceoW 31.03.2019 31.03.2018
1 meeceev³e FeqkeÌJeìer efì³ej 1 hetbpeer Devegheele (%) 7.49% 7.01%
2 efì³ej 1 hetbpeer Devegheele (% 7.49% 7.01%
3 efì³ej 2 hetbpeer Devegheele (%) 2.12% 2.03%
4 kegÀue hetbpeer Devegheele (meerDeejSDeej) (%) 9.61% 9.04%
5 Yeejle mejkeÀej keÀer Mes³ejOeeefjlee keÀe heéfleMele 91.20% 86.40%
6 Gieener ieF& FeqkeÌJeìer hetbpeer keÀer jeefMe 6804.54* 5158.00
7 Gieener ieF& DeefleefjÊeÀ efì³ej 1 hetbpeer keÀer jeefMe; efpemeceW mes Meeéele iewj-meb®e³eer DeefOeceeve
Mes³ej (heerSvemeerheerSme) : Meeéele $eÝCe efueKele (heer[erDeeF&) efvejbkeÀ efvejbkeÀ
8 Gieener ie³eer efì³ej 2 hetbpeer keÀer jeefMe;
efpemeceW mes $eÝCe hetbpeer efueKele :
DeefOeceeveer Mes³ej hetbpeer efueKele : efvejbkeÀ efvejbkeÀ
[Meeéele meb®e³eer DeefOeceeve Mes³ej (heermeerheerSme) /heéfleos³e iewj meb®e³eer DeefOeceeve efvejbkeÀ efvejbkeÀ
Mes³ej(DeejSvemeerheerSme) /heéfleos³e meb®e³eer DeefOeceeve Mes³ej (DeejmeerheerSme)] 500.00 efvejbkeÀ
* FmeceW efoveebkeÀ 19.09.2018 keÀes Yeejle mejkeÀej mes heéhle ` 2354.00 keÀjesæ[ keÀer hetbpeer efveefOe meeqcceefuele nw pees ’mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee
Mes³ej DeeJesove ceveer Keelee“ ceW jKeer ie³eer nw. yeQkeÀ ves efoveebkeÀ 13.11.2018 keÀes ` 56.43 heérefce³ece hej he´l³eskeÀ ` 10 kesÀ (35,43,57,970)
FeqkeÌJeìer Mes³ej Yeejle kesÀ jeä^heefle ( Yeejle mejkeÀej) keÀes Deeyebefìle efkeÀS.
FmekesÀ DeefleefjÊeÀ efoveebkeÀ 31.12.2018 Yeejle mejkeÀej mes ` 1678.00 keÀjesæ[ keÀer hetbpeer efveefOe heéhle ngF& SJeb ³en ’mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee
Mes³ej DeeJesove ceveer Keelee“ ceW jKeer ie³eer nw. yeQkeÀ ves efoveebkeÀ 28.02.2019 keÀes yeQkeÀ ves (38,74,39,390) FeqkeÌJeìer Mes³ej Yeejle kesÀ jeä^heefle (
Yeejle mejkeÀej) keÀes Deeyebefìle efkeÀS
FmekesÀ DeefleefjÊeÀ efoveebkeÀ 21.02.2019 keÀes Yeejle mejkeÀej mes ` 2560.00 keÀjesæ[ keÀer hetbpeer efveefOe heéhle ngF& SJeb ³en ’mesvìûe yeQkeÀ
Dee@HeÀ Fbef[³ee Mes³ej DeeJesove ceveer Keelee“ ceW jKeer ie³eer nw. yeQkeÀ ves efoveebkeÀ 28.03.2019 keÀes ` 27.25 kesÀ heérefce³ece hej he´l³eskeÀ ` 10 kesÀ
(68,72,48,322) FeqkeÌJeìer Mes³ej Yeejle kesÀ jeä^heefle ( Yeejle mejkeÀej) keÀes Deeyebefìle efkeÀS
efoveebkeÀ 30.03.2019 keÀes mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀce&®eejer mìe@keÀ hej®es]pe mkeÀerce, 2019 kesÀ Debleie&le hee$e keÀce&®eeefj³eeW kesÀ JewOe DeeJesove kesÀ
efJeª× ` 212.54 keÀjesæ[ keÀer hetbpeer efveefOe heéhle ngF& SJeb ³en jeefMe ’mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee Mes³ej DeeJesove ceveer Keelee“ ceW jKeer ie³eer nw.
FeqkeÌJeìer Mes³ej keÀe Deeyebìve heéf¬eÀ³eeOeerve nw.
yeer.
(i) efveJesMe:
(` keÀjesæ[ ceW)
ceoW 31.03.2019 31.03.2018
1) efveJesMe cetu³e
i) mekeÀue efveJesMe cetu³e 129219.31 105294.68
S) Yeejle ceW 129171.80 105247.17
yeer) Yeejle kesÀ yeenj 47.51 47.51
ii) cetu³eÛeme nsleg heéJeOeeve 3921.24 2663.07
S) Yeejle ceW 3921.22 2663.05
Jele&ceeve cetu³eebkeÀve mes cetu³eÛeme (DeblejCe kesÀ mece³e Oeeefjle) kesÀ efueS DeefleefjÊeÀ heéJeOeeve 0.00 0.00
yeer) Yeejle kesÀ yeenj 0.02 0.02
105
(` keÀjesæ[ ceW)
ceoW 31.03.2019 31.03.2018
iii)
efveJesMe keÀe Meg× cetu³e 125298.07 102631.61
S) Yeejle ceW 125250.58 102584.12
S) Yeejle kesÀ yeenj 47.49 47.49
2) efveJesMeeW hej cetu³eÛeme kesÀ efueS Oeeefjle heéJeOeeveeW ceW keÀceer/yeæ{esÊejer
i) heéjbefYekeÀ Mes<e 2663.07 1696.68
ii) peesæ[W : Je<e& kesÀ oewjeve efkeÀS ieS heéJeOeeve 2561.64 1781.21
iii) IeìeSb : Je<e& kesÀ oewjeve yeÆs Keelee heéfleuesKeve heéJeOeeve 1303.47 814.82
iv) Debeflece Mes<e 3921.24 2663.07
(ii) jshees uesveosve (DebefkeÀle cetu³e kesÀ mevoYe& ceW): (` keÀjesæ[ ceW)
efJeJejCe Je<e& kesÀ oewjeve Je<e& kesÀ oewjeve Je<e& kesÀ oewjeve owefvekeÀ efoveebkeÀ 31 cee®e&,
v³etvelece yekeÀe³ee DeefOekeÀlece yekeÀe³ee Deewmele yekeÀe³ee 2018 keÀes yekeÀe³ee
jshees kesÀ Debleie&le yes®eer ieF& heéfleYetefle³eeb
I. mejkeÀejer heéfleYetefle³eeb 0.00 750.00 38.09 0.00
II. keÀe@heexjsì GOeejer heéfleYetefle³eeb 0.00 0.00 0.00 0.00
efjJeme& jshees kesÀ Debleie&le Kejeroer ieF& heéfleYetefle³eeb
I. mejkeÀejer heéfleYetefle³eeb 0.00 34878.98 10797.67 11059.84
II. keÀe@heexjsì GOeejer heéfleYetefle³eeb 0.00 0.00 0.00 0.00
iewj-SmeSueDeej
(iii) efveJesMe heesì&HeÀesefueDees
iewj-SmeSueDeej efveJesMeeW keÀe peejerkeÀlee&-Jeej mebIeìve ( ` keÀjesæ[ ceW)
¬eÀ. meb. peejerkeÀlee& jeefMe efvepeer efve³eespeve ’efveJesMe ÞesCeer mes keÀce“ ’iewj-ÞesCeerke=Àle“ ’iewj-met®eerye×“
meercee meercee lekeÀ heéfleYetefle³eeb heéfleYetefle³eeb heéfleYetefle³eeb
(1) (2) (3) (4) (5) (6) (7)
i) kesÀvê mejkeÀej efjkewÀhe yee@v[ 11427 0 0 11427 11427
ii) jep³e mejkeÀej efJeMes<e yee@v[ 3170 0 0 3170 0
iii) meeJe&peefvekeÀ #es$e kesÀ Ghe¬eÀce 5123 18 0 3869 1777
iv) efJeÊeer³e mebmLeeSb 372 127 0 44 44
v) yeQkeÀ 150 0 0 0 0
vi) efvepeer keÀe@heexjsì 1868 120 227 500 692
vii) Deveg<ebefie³eeB/ meb³egÊeÀ GÐece/ #esieéyeQ/ 421 421 0 421 421
Fb[es-peeeqcye³ee
viii) Dev³e 10483 0 438 5132 6508
kegÀue 33013 686 665 24562 20869
Ieìe³eW: cetu³eÛeme kesÀ efueS heéJeOeeve 3921 0 0 0 0
Meg× 29092 686 665 24562 20869
veesì : Ghe³eg&ÊeÀ keÀe@uece mebK³ee 4, 5, 6 SJeb 7 kesÀ DeOeerve metef®ele jeefMe³eeb heejmheefjkeÀ efJeefMeä veneR nQ.
106
(iv) iewj-efve<heeokeÀ iewj-SmeSueDeej efveJesMe (heefjhekeÌJe efveJesMeeW meefnle) (` keÀjesæ[ ceW)

efJeJejCe 31.3.2019 31.3.2018
heéjbefYekeÀ Mes<e 2084.48 560.14
Je<e& kesÀ oewjeve yeæ{esÊejer 653.74 1643.39
Je<e& kesÀ oewjeve keÀceer 1191.36 119.05
Debeflece Mes<e 1546.86 2084.48
Oeeefjle kegÀue heéJeOeeve 1333.64 1648.11
meer. [sefjJesefìJpe
(i) Jee³eoe oj keÀjej / y³eepe oj mJewhe (`keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
i) mJewhe keÀjejeW keÀe keÀeuheefvekeÀ cetueOeve 50.00 25.00
ii) keÀjejeW kesÀ Debleie&le ³eefo heéfle heeìea Deheveer yeeO³eleeSb hetjer veneR keÀjleer nw lees Fme meboYe& ceW nesves Jeeueer neefve. 0.00 0.00
iii) mJewhe ceW Meeefceue nesves kesÀ efueS yeQkeÀ Üeje Jeebefíle mebheee|éekeÀ heéfleYetefle efvejbkeÀ efvejbkeÀ
iv) mJewhe mes GlheVe $eÝCe peesefKece keÀe mebkesÀvêerkeÀjCe
- efJeosMeer yeQkeÀ efvejbkeÀ efvejbkeÀ
- Iejsuet yeQkeÀ efvejbkeÀ efvejbkeÀ
v) mJewhe yener keÀe Gef®ele cetu³e -0.42 0.00*
*DeebkeÀæ[s ` 1 ueeKe mes keÀce nw.
(ii) Jee³eoe oj keÀjej / cegêe oj mJewhe (` keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
i) mJewhe keÀjejeW keÀe keÀeuheefvekeÀ cetueOeve 344.19 334.07
ii) keÀjejeW kesÀ Debleie&le ³eefo heéfle heeìea Deheveer yeeO³eleeSb hetjer veneR keÀjleer nw lees Fme meboYe& ceW nesves Jeeueer neefve. 3.65 4.97
iii) mJewhe ceW Meeefceue nesves kesÀ efueS yeQkeÀ Üeje Jeebefíle mebheee|éekeÀ heéfleYetefle efvejbkeÀ efvejbkeÀ
iv) mJewhe mes GlheVe $eÝCe peesefKece keÀe mebkesÀvêerkeÀjCe
- efJeosMeer yeQkeÀ efvejbkeÀ efvejbkeÀ
- Iejsuet yeQkeÀ efvejbkeÀ efvejbkeÀ
v) mJewhe yener keÀe Gef®ele cetu³e efvejbkeÀ 0.99
(iii) efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJpe :
(` keÀjesæ[ ceW)
¬eÀ meb. ceo 31.03.2019 31.03.2018
y³eepe oj HeÌ³et®eme&
i) Je<e& kesÀ oewjeve efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJpe keÀer keÀeuheefvekeÀ cetue jeefMe efvejbkeÀ efvejbkeÀ
ii) yekeÀe³ee efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJpe keÀer keÀeuheefvekeÀ cetue jeefMe efvejbkeÀ efvejbkeÀ
iii) yekeÀe³ee SJeb ’G®®e heÝeeJeer vener“ efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJpe keÀer keÀeuheefvekeÀ cetue jeefMe efvejbkeÀ efvejbkeÀ
iv) yekeÀe³ee SJeb ’G®®e heÝeeJeer vener“ efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJpe keÀe owefvekeÀ yeepeej cetu³e efvejbkeÀ efvejbkeÀ
107
efJeefvece³e
(iv) meewos Jeeues cegêe [sefjJesefìJpe (` keÀjesæ[ ceW)
¬eÀ.meb efJeJejCe 31.03.2019 31.03.2018
i) Je<e& kesÀ oewjeve, efJeefvece³e meewos Jeeues cegêe [sefjJesefìJpe keÀe keÀeuheefvekeÀ cetueOeve (efueKele-Jeej)
S) keÀjWmeer HeÌ³et®eme& 3211.51 11545.10
yeer) keÀjWmeer Dee@hMevme 0.00 0.00
ii) yekeÀe³ee efJeefvece³e meewos Jeeues cegêe [sefjJesefìJpe keÀer keÀeuheefvekeÀ cetue jeefMe
iii) yekeÀe³ee SJeb ’G®®e heÝeeJeer vener“efJeefvece³e meewos Jeeues cegêe [sefjJesefìJpe keÀer keÀeuheefvekeÀ cetue jeefMe
iv) yekeÀe³ee SJeb ’G®®e heÝeeJeer vener“ efJeefvece³e meewos Jeeues cegêe [sefjJesefìJpe keÀe owefvekeÀ yeepeej cetu³e
[sefjJesefìJpe ceW peesefKece SkeÌmeheespej hej he´keÀìerkeÀjCe
v) iegCeelcekeÀ he´keÀìerkeÀjCe
• Jee³eoe yeepeej ceW ye®eeJe / J³eeheej ceW [sefjJesefìJe efueKeleeW kesÀ he´³eesie kesÀ mebyebOe ceW efveosMekeÀ ceb[ue Üeje Devegceesefole peesefKece heýebOeve veerefle yeveer
ngF& nw.
• efveJesMe heesì&HeÀesefue³eeW ceW y³eepe oj keÀer peesefKece mes ye®eeJe leLee yeepeej efvee|ceefle kesÀ efueS Jee³eoe oj keÀjej, y³eepe oj mJewhe, cegêe -Jee³eos leLee
y³eepe oj Jee³eoeW keÀer veerefle ceewpeto nw.
• efveosMekeÀ ceb[ue Üeje Devegceesefole, peesefKece heýebOeve veerefle³eeb leLee hećegKe efve³eb$eCe meerceeSb pewmes neefve-jesOe meerceeSb, keÀeGvìj heeìea SkeÌmeheespej
meerceeSb Fl³eeefo, ceewpeto nQ. Fve peesefKeceeW keÀer efveiejeveer leLee meceer#ee efve³eefcele ªhe mes keÀer peeleer nw. heýebOe met®evee heĆeeueer/efjheesìX peesefKece
heýebOeve meefceefle keÀes DeeJeefOekeÀ ªhe mes he´mlegle keÀer peeleer nw.
ye®eeJe eqmLeefle³eeb
• DeeF&DeejSme hej y³eepe Ke®e&/Dee³e kesÀ keÀejCe Ghe®e³e keÀes uesKeeiele efkeÀ³ee peelee nw leLee Dee³e/J³e³e kesÀ ªhe ceW DeefYeef®eeqÔvele efkeÀ³ee peelee nw.
• ³eefo mJewhe keÀes heefjhekeÌJelee kesÀ hetJe& meceehle efkeÀ³ee peelee nw, lees owefvekeÀ SceìerSce neefve/ueeYe leLee Gme leejerKe lekeÀ Gheef®ele keÀes y³eepe oj mJewhe
hej heóÊe/heéhle y³eepe kesÀ lenle J³e³e/Dee³e kesÀ ªhe ceW uesKee-peesKee efkeÀ³ee peelee nw.
J³eeheeefjkeÀ eqmLeefle³eeb
• ScemeerSkeÌme-SmeSkeÌme, SveSmeF& leLee ³etveeFìs[ mìe@keÀ SkeÌme®espe kesÀ efJeefve³ece efoMeeefveoxMeeW kesÀ Devegmeej, cegêe Jee³eos leLee y³eepe oj Jee³eos
owveefove DeeOeej hej yeepeej cetu³e keÀer eqmLeefle hej DebefkeÀle efkeÀS peeles nw.
• ceee|peve Keeles keÀes owefvekeÀ DeeOeej hej pecee/veeces keÀjles ngS SceìerSce ueeYe/neefve keÀe uesKee efkeÀ³ee peelee nw leLee Gmes yeQkeÀ kesÀ ueeYe SJeb neefve
Keeles ceW uesKeeiele efkeÀ³ee peelee nw.
• J³eeheeefjkeÀ mJewhe keÀes Leesæ[s-Leesæ[s DeblejeueeW ceW yeepeej cetu³e keÀer eqmLeefle kesÀ Devegmeej DebefkeÀle efkeÀ³ee peelee nw. SceìerSce keÀer meYeer neefve³eeb
uesKeeiele keÀer peeleer nw peyeefkeÀ ueeYee keÀes íesæ[ efo³ee peelee nw.
• mJewhe keÀer meceeeqhle hej ueeYe DeLeJee neefve keÀes Ghe³eg&ÊeÀ Meer<e& ceW lelkeÀeue Dee³e/J³e³e kesÀ ªhe ceW ope& efkeÀ³ee peelee nw.
efoveebkeÀ 31.03.2019 keÀes mebefJeoe J³eeheejer Deewj Deblej yeQkeÀ keÀes Deie´sef<ele yekeÀe³ee (` keÀjesæ[ ceW)
efoveebkeÀ 31.03.2018 keÀes yekeÀe³ee 65214.97
ye®eeJe J³eJemLee eqmLeefle 4936.31
J³eeheej eqmLeefle 60278.66
108
vi) iegCeelcekeÀ he´keÀìerkeÀjCe (` keÀjesæ[ ceW)

¬eÀ.meb. efJeJejCe 31.03.2019 31.3.2018
cegêe y³eepe oj cegêe y³eepe oj
[sefjJesìerJpe [sefjJesìerJpe [sefjJesìerJpe [sefjJesìerJpe
i) [sefjJesefìJpe (DeevegceeefvekeÀ cetue Oeve jeefMe)
S) ye®eeJe J³eJemLee kesÀ efueS 4936.31 0.00 5463.05 0.00
yeer) J³eeheej kesÀ efueS 60278.66 50.00 84383.91 25.00
ii) heéfleYetefle³eeW kesÀ owefvekeÀ yeepeej cetu³e keÀer eqmLeefle
S) Deeeqmle (+) 1178.39 0.40 435.84 0.00
yeer) os³elee (-) 1149.84 0.00 454.35 0.15
iii) SkeÌmeheespej (1)
iv) y³eepe oj ceW SkeÀ heéfleMele kesÀ heefjJele&ve mes mebYeeJ³e - 0.01 - 0.01
heÝeeJe (100*heerJeer01)
S) ye®eeJe J³eJemLee hej [sefjJesefìJpe - 0.00 - 0.00
yeer) J³eeheej hej [sefjJesefìJpe - 0.01 - 0.01
v) Je<e& kesÀ oewjeve veesì efkeÀS ieS DeefOekeÀlece SJeb v³etvelece
100*heerJeer01
S) ye®eeJe J³eJemLee hej - DeefOe-0.00 - DeefOe.0.00
v³et-0.00 v³et.-0.00
yeer) J³eeheej hej - DeefOe-0.04 - DeefOe.0.04
v³et- 0.01 v³et.-0.01
[er. Deeeqmle iegCeJeÊee
(S) Devepe&keÀ Deeeqmle³eeb (` keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
i) Meg× DeefiećeeW ceW Meg× SveheerS (%) 7.73 11.10
ii) SveheerS ceW keÀceer/yeæ{esÊejer (mekeÀue)
S) heéjbefYekeÀ Mes<e 38130.70 27251.33
yeer) Je<e& kesÀ oewjeve heefjJeOe&ve*(i) 10328.64 17071.24
meer) Je<e& kesÀ oewjeve keÀceer (16103.30) (6191.87)
[er) Debeflece Mes<e 32356.04 38130.70
iii) Meg× SveheerS ceW keÀceer/yeæ{esÊejer
yeer) Je<e& kesÀ oewjeve heefjJeOe&ve 7087.01 6246.83
meer) Je<e& kesÀ oewjeve keÀceer (13131.64) (3086.79)
iv) Meg× SveheerS nsleg heéJeOeeveeW ceW keÀceer/yeæ{esÊejer (ceevekeÀ Deeeqmle³eeW kesÀ heéJeOeeveeW keÀes íesæ[keÀj)
yeer) Je<e& kesÀ oewjeve efkeÀS ieS heéJeOeeve 12471.57 10824.41
meer) yeÆs Keeles [eues ieS/heéfleuesKeve/DeblejCe (12139.30) (3085.63)
109
(yeer) hegveie&efþle KeeleeW kesÀ y³eewjs : (` keÀjesæ[ ceW)
*Gve ceevekeÀ hegveie&efþle $eÝCeeW kesÀ DeekeÀæ[eW keÀes íesæ[keÀj efpeveceW G®®e heéJeOeeve DeLeJee peesefKece Yeeefjlee (³eefo ueeiet nes) veneR nw.
**Oeeefjle heéJeOeeve ceW DeefOel³eeie efkeÀS ieS heéJeOeeve kesÀ DeekebÀæ[s nw.
#iele Je<eeX ceW hegveie&efþle Keeles Meeefceue nw leLeeefhe efpevnW Jele&ceeve efJeÊeer³e Je<e& ceW ef®eeqvnle efkeÀ³ee ie³ee nw.
$Jele&ceeve efJeÊeer³e Je<e& ceW hegveie&efþle KeeleeW ceW Jemetueer Meeefceue nw.
(meer) Deeeqmle hegveme¥j®evee kesÀ efueS heéfleYeteflekeÀjCe/hegvee|vecee&Ce keÀcheveer keÀes yes®eer ieF& efJeÊeer³e Deeeqmle³eeW keÀe efJeJejCe
S. efye¬eÀer keÀe efJeJejCe (` keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
i) KeeleeW keÀer mebK³ee 6 2
ii) Smemeer/Deejmeer keÀes efye¬eÀerle KeeleeW keÀe kegÀue cetu³e (heéJeOeeve IeìekeÀj) 864.89 105.33
iii) kegÀue heéfleHeÀue 1405.55 114.00
iv) hetJe& Je<eeX ceW Debleefjle KeeleeW kesÀ efueS Deeiele DeefleefjÊeÀ heéfleHeÀue 37.73 1.47
v) Meg× yener cetu³e hej kegÀue ueeYe/neefve 578.39 10.14
yeer. heéfleYetefle heéeqhle³eeW ceW efveJesMe kesÀ yener cetu³e keÀe efJeJejCe
heéfleYetefle heéeqhle³eeW ceW efveJesMe kesÀ yener cetu³e keÀe efJeJejCe efvecveevegmeej nw : (` keÀjesæ[ ceW)
efJeJejCe 31.3.2019 31.3.2018
(i) yeQkeÀ Üeje Deblee|veefnle leewj hej efye¬eÀerle SveheerS mecee|Lele 2715.38 3116.96
(ii) Dev³e yeQkeÀeW/efJeÊeer³emebmLeeveeW/iewj yeQeEkeÀie efJeÊeer³e keÀcheefve³eeW Üeje Deblee|veefnle kesÀ leewj hej 2.77 6.85
efye¬eÀerle SveheerS mecee|Lele
kegÀue 2718.15 3123.81
110
meer. heéfleYetefle jmeeroeW ceW efveJesMe keÀe efJeJejCe

efJeJejCe efheíues 5 5 Je<eeX mes 8 Je<eeX kesÀ 8 Je<eeX mes DeefOekeÀ
Je<eeX ceW peejer oewjeve peejer heéfleYetefle kesÀ oewjeve peejer
heéfleYetefle jmeeroW jmeeroW heéfleYetefle jmeeroW
(i) yeQkeÀ Üeje efJe¬eÀ³e efkeÀS ieS SveheerS keÀer SJepe ceW peejer 2584.51 130.87 0.00
heéfleYetefle jmeeroeW keÀe yener cetu³e efvecveevegmeej nw.
kesÀ efJeª× efkeÀ³ee ie³ee heéJeOeeve (i) 1246.75 100.76 0.00
(ii) yeQkeÀ / efJeÊeer³e mebmLeeveeW / iewj yeQeEkeÀie efJeÊeer³e 0.08 2.69 0.00
kebÀheefve³eeW Üeje efJe¬eÀ³e efkeÀS ieS SveheerS keÀer SJepe ceW
peejer heéfleYetefle jmeeroeW keÀe yener cetu³e efvecveevegmeej nw.
kesÀ efJeª× efkeÀ³ee ie³ee heéJeOeeve (ii) 0.00 2.04 0.00
kegÀue yener cetu³e (i) + (ii) 2584.59 133.56 0.00
([er) Dev³e yeQkeÀeW mes Kejeroer/keÀes yes®eer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe efJeJejCe
S. ¬eÀ³e keÀer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe efJeJejCe: (` keÀjesæ[ ceW)
efJeJejCe 31.3.2019 31.3.2018
1 S Je<e& kesÀ oewjeve ¬eÀ³e efkeÀS ieS KeeleeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
yeer kegÀue yekeÀe³ee jeefMe efvejbkeÀ efvejbkeÀ
2 S FveceW mes Je<e& kesÀ oewjeve hegveie&efþle KeeleeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
yeer kegÀue yekeÀe³ee efvejbkeÀ efvejbkeÀ
yeer. efye¬eÀer keÀer ieF& Devepe&keÀ efJeÊeer³e Deeeqmle³eeW keÀe efJeJejCe: (`keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
1 KeeleeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
2 kegÀue yekeÀe³ee efvejbkeÀ efvejbkeÀ
3 heéhle kegÀue heéfleHeÀue efvejbkeÀ efvejbkeÀ
(F&) ceevekeÀ Deeeqmle³eeW hej heéJeOeeve (` keÀjesæ[ ceW)
ceoW 31.3.2019 31.3.2018
Oeeefjle ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve 478.83 496.71
(SHeÀ) J³eeJemeeef³ekeÀ Devegheele
¬eÀce meb. ceoW 31.3.2019 31.3.2018
(i) keÀe³e&Meerue efveefOe³eeW kesÀ heéfleMele kesÀ ªhe ceW y³eepe Dee³e * 6.81 7.59
(ii) keÀe³e&Meerue efveefOe³eeW kesÀ heéfleMele kesÀ ªhe ceW iewj-y³eepe Dee³e * 0.73 0.83
(iii) keÀe³e&Meerue efveefOe³eeW kesÀ heéfleMele kesÀ ªhe ceW heefj®eeueve ueeYe * 0.94 0.86
(iv) Deeeqmle³eeW hej heéfleHeÀue ** (1.70) (1.61)
(v) heéfle keÀce&®eejer J³eJemee³e *** (pecee + Deefieće) (` ueeKe ceW) 1278.03 1270.64
(vi) heéfle keÀce&®eejer ueeYe/(neefve) (` ueeKe ceW) (15.55) (13.86)
* keÀe³e&Meerue efveefOe ceW efJeÊeer³e Je<e& kesÀ 12 cenerveeW kesÀ oewjeve kegÀue Deeeqmle³eeW keÀe Deewmele (hegvecet&u³eebkeÀve heéjef#eefle³eeW keÀes íesæ[keÀj) Meeefceue nw.
** keÀe³e&Meerue efveefOe³eeW ceW kegÀue Deeeqmle³eeW keÀe Deewmele (hegvecet&u³eebkeÀve heéjef#eefle³eeW keÀes íesæ[keÀj Meeefceue nw.
*** peceeDeeW (Deblej-yeQkeÀ peceeDeeW keÀes íesæ[keÀj) SJeb Deefieće kesÀ heeef#ekeÀ Deewmele kesÀ DeeOeej hej
111
peer. Deeeqmle os³elee heýebOeve

Yeejleer³e efjpeJe& yeQkeÀ Üeje efveOee&efjle efJeefJeOe heefjhekeÌJelee DeJeefOe mecetn kesÀ Debleie&le efoveebkeÀ 31cee®e&, 2019 keÀes kegÀue peceeDeeW, GOeej,
DeefiećeeW SJeb kegÀue efveJesMe keÀe heefjhekeÌJelee hewìve& (` keÀjesæ[ ceW)
DeJeefOe kegÀue peceeSb kegÀue Deefieće kegÀue efveJesMe kegÀue Iejsuet efJeosMeer cegêe
GOeeefj³eeb * Deeefmle os³eleeSb
SkeÀ efove 1515.25 32.64.27 52434.82 4.45 276.98 423.65
2 efove mes 7 efove 2085.70 1372.61 2120.17 32.32 162.03 236.37
8 efove mes 14 efove 1862.05 168.64 1378.39 0.00 19.36 13.05
15 efove mes 30 efove 5047.08 5864.02 1716.17 0.00 10.65 14.00
31 efove mes 2 ceen 7959.36 1368.86 2794.40 0.00 4.43 45.74
2 ceen mes DeefOekeÀ Je 3 ceen lekeÀ 8056.37 2106.14 4720.28 32.62 194.84 23.95
1 Je<e& mes DeefOekeÀ Je 3 Je<e& lekeÀ 135241.85 72141.86 6715.13 159.30 122.37 382.15
3 Je<e& mes DeefOekeÀ Je 5 Je<e& lekeÀ 51835.10 15942.58 9306.65 5.87 9.34 159.47
5 Je<e& mes DeefOekeÀ 49475.87 33314.72 34737.14 0.31 0.28 0.00
kegÀue 299855.43 146525.36 125298.07 299.96 1426.07 2024.51
veesì : -
* efì³ej II hetbpeer ceW meeqcceefuele efkeÀS ieS kesÀ DeueeJee
Ghe³eg&ÊeÀ DeebkeÀ[s Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMee-efveoxMeeW kesÀ Devegmeej SJeb heýebOeve kesÀ hećegKe DevegceeveeW kesÀ DeeOeej hej mebkeÀefuele efkeÀS ieS nQ leLee
uesKee-hejer#ekeÀeW Üeje Fve hej efJeéeeme J³eÊeÀ efkeÀ³ee ie³ee nw.
S®e.
SkeÌmeheespej
(i) mLeeJej mecheoe #es$e mecyebOeer SkeÌmeheespej (` keÀjesæ[ ceW)
ÞesCeer 31.3.2019 31.3.2018
S) he´l³e#e efveJesMe
(i) DeeJeemeer³e ceeiexpe - 27083.50 22094.61
DeeJeemeer³e mecheefÊe hej yebOekeÀ kesÀ Üeje $eÝCe hetjer lejn mes jef#ele nw, DeLee&le ³ee
lees GOeejkeÀlee& Üeje keÀypes ceW nw DeLeJee efkeÀje³es hej nw :
(Ghe³eg&ÊeÀ ceW Meeefceue J³eefÊeÀiele DeeJeeme $eÝCe heéLeefcekeÀlee #es$e ceW Meeefceue keÀjves
kesÀ efueS hee$e nQ) (13955.55) (13595.91)
(ii) JeeefCeeqp³ekeÀ mLeeJej mebheoe - 4180.29 3803.25
JeeefCeeqp³ekeÀ mLeeJej mebheoe kesÀ cee@iexpe mes he´l³eeYetle $eÝCe (keÀe³ee&ue³e YeJeve, efjìsue
mLeeve, yengÎsMeer³e JeeefCeeqp³ekeÀ heefjmej, yeng-heeefjJeeefjkeÀ DeeJeemeer³e YeJeve, yeng-
efkeÀje³esoej JeeefCeeqp³ekeÀ heefjmej, DeewÐeesefiekeÀ DeLeJee Jes³ej neGme mLeeve, nesìue,
Yetefce DeefOeieńCe, efvecee&Ce SJeb efJekeÀeme Fl³eeefo.)
SkeÌmeheespej ceW iewj efveefOe DeeOeeefjle (SveSHeÀyeer) $eÝCe meerceeSb Yeer Meeefceue neWieer :
(iii) cee@iexpe DeeOeeefjle heéfleYetefle³eeb (SceyeerSme) SJeb Dev³e heéfleYetefleke=Àle SkeÌmeheespejeW ceW
efveJesMe -
- DeeJeemeer³e, 0.00 0.00
- JeeefCeeqp³ekeÀ mLeeJej mebheoe. 66.23 73.20
yeer) Dehe´l³e#e efveJesMe
(i) jeäêr³e DeeJeeme yeQkeÀ (SveS®eyeer) SJeb DeeJeeme efJeÊe kebÀheefve³eeW (S®eSHeÀmeer) ceW efveefOe
DeeOeeefjle SJeb iewj-efveefOe DeeOeeefjle efveJesMe. 2001.99 1365.03
mLeeJej mebheoe #es$e ceW kegÀue SkeÌmeheespej 19376.46 13740.18
112
(ii) hetbpeer yeepeej SkeÌmeheespej (` keÀjesæ[ ceW)

ceoW 31.3.2019 31.3.2018
i) FeqkeÌJeìer Mes³ejeW, heefjJele&veer³e ef[yeW®ejeW SJeb FeqkeÌJeìer GvcegKe c³et®³egDeue HebÀ[ keÀer ³etefveìeW ceW 521.84 557.92
he´l³e#e efveJesMe efpevekeÀer cetue efveefOe kesÀJeue keÀe@heexjsì $eÝCe ceW efveJesMe veneR keÀer ieF& nes.
ii) Jew³eefÊeÀkeÀeW keÀes Mes³ej/yee@C[/ef[yeW®ej DeLeJee Dev³e heéfleYetefle³eeW kesÀ mece#e DeLeJee iewj- 2.95 0.00
heéfleYetefle DeeOeej hej (DeeF&heerDees/F&SmeDeesheer meefnle), heefjJele&veer³e ef[yeW®ejeW SJeb c³et®³egDeue
HebÀ[ keÀer FeqkeÌJeìer GvcegKe FkeÀeF³eeW ceW efveJesMe nsleg Deefieće.
iii) efkeÀmeer Yeer Dev³e he´³eespeve nsleg Deefieće efpeveceW Mes³ej DeLeJee heefjJele&veer³e yee@C[ DeLeJee 144.60 205.85
heefjJele&veer³e ef[yeW®ej DeLeJee FeqkeÌJeìer GvcegKe c³et®³egDeue HebÀ[ kesÀ ³etefveìeW keÀes heéLeefcekeÀ
heéfleYetefle kesÀ ªhe ceW efue³ee ie³ee nw.
(iv) efkeÀmeer Dev³e he´³eespeve kesÀ efueS Mes³ejeW DeLeJee heefjJele&veer³e yee@C[ DeLeJee heefjJele&veer³e 0.00 0.00
ef[yeW®ejeW DeLeJee FeqkeÌJeìer GvcegKe c³et®³egDeue HebÀ[ keÀer ³etefveìeW keÀer meercee lekeÀ jef#ele
Deefieće DeLee&le peneb hej Mes³ejeW/heefjJele&veer³e yee@C[/heefjJele&veer³e ef[yeW®ejeW/FeqkeÌJeìer GvcegKe
c³et®³egDeue HebÀ[ keÀer ³etefveì DeefiećeeW keÀes hetjer lejn jef#ele veneR keÀjleer nQ.
(v) mìe@keÀ-yeéskeÀjeW keÀes heéfleYetle leLee DeheéfleYetle Deefieće leLee mìe@keÀ-yeéskeÀjeW SJeb ieewCe yeepeej 327.30 333.15
kesÀ hećegKe keÀer Deesj mes peejer ieejbefì³eeb.
vi) keÀe@heexjsì keÀes Mes³ejeW/yee@C[eW/ef[yeW®ejeW DeLeJee Dev³e heéfleYetefle³eeW kesÀ mece#e DeLeJee 0.00 0.00
yespeceeveleer DeeOeej hej he´Jele&keÀeW kesÀ YeeJeer mebmeeOeveeW keÀer he´l³eeMee kesÀ lenle GvekesÀ FeqkeÌJeìer
DebMeoeve keÀes hetje keÀjves kesÀ efueS mJeerke=Àle $eÝCe.
vii) FeqkeÌJeìer he´Jeen/efveie&ce keÀer he´l³eeMee kesÀ mece#e kebÀheefve³eeW keÀes hetjkeÀ efJeÊe. 0.00 0.00
viii) Mes³ejeW kesÀ heéLeefcekeÀ efveie&ce DeLeJee heefjJele&veer³e yee@C[eW DeLeJee heefjJele&veer³e ef[yeW®ejeW 0.00 0.00
DeLeJee FeqkeÌJeìer GvcegKe c³et®³egDeue HebÀ[eW keÀer ³etefveìeW kesÀ mecyebOe ceW yeQkeÀeW Üeje efueS ieS
neceeroejer Jee³eos.
ix) mìe@keÀ-yeéskeÀjeW keÀes ceee|peve ì^seE[ie kesÀ efueS efJeÊehees<eCe 0.00 0.00
x) peesefKece hetbpeer efveefOe ( hebpeerke=Àle leLee Dehebpeerke=Àle oesveeW ) mecyebefOele meYeer SkeÌmeheespej. 0.00 0.00
hetbpeer yeepeej keÀe kegÀue SkeÌmeheespej 926.79 1096.92
(iii) peesefKece ÞesCeerJeej osMeer³e SkeÌmeheespej : (` keÀjesæ[ ceW)
peesefKece ÞesCeer efoveebkeÀ 31.03.2019 efoveebkeÀ 31.03.2019 efoveebkeÀ 31.03.2018 efoveebkeÀ 31.03.2018
keÀes SkeÌmeheespej (Meg×) keÀes Oeeefjle heéJeOeeve keÀes SkeÌmeheespej (Meg×) keÀes Oeeefjle heéJeOeeve
Dehe´³eesp³e 745.22 efvejbkeÀ 1236.57 efvejbkeÀ
efvecve 437.08 efvejbkeÀ 444.44 efvejbkeÀ
ceO³ece 49.26 efvejbkeÀ 53.37 efvejbkeÀ
G®®e 46.42 efvejbkeÀ 33.79 efvejbkeÀ
Del³eefOekeÀ 0.57 efvejbkeÀ 28.49 efvejbkeÀ
meerefcele 0.00 efvejbkeÀ 0.00 efvejbkeÀ
$eÝCeslej 0.00 efvejbkeÀ 0.00 efvejbkeÀ
³eesie 1278.55 efvejbkeÀ 1796.66 efvejbkeÀ
®etbefkeÀ Je<e& nsleg yeQkeÀ keÀe efveJeue efveefOe efveJesMe, efJeosMeer efJeefvece³e uesveosve kesÀ mecyebOe ceW yeQkeÀ keÀer kegÀue Deeeqmle³eeW kesÀ 1% mes keÀce nw, Dele:
heéJeOeeve DeeJeM³ekeÀ veneR nw.
113
(iv) yeQkeÀ Üeje Deefle¬eÀefcele Gve SkeÀue $eÝCeer meercee/ mecetn $eÝCeer meerceeDeeW keÀe efJeJejCe, efpevekesÀ efueS yees[& keÀe DeeJeM³ekeÀ Devegceesove
heéhle efkeÀ³ee ie³ee.
S. yeQkeÀ Üeje Deefle¬eÀefcele SkeÀue $eÝCeer meercee (` keÀjesæ[ ceW)
GOeejkeÀlee& keÀe veece SkeÌmeheespej kegÀue hetBpeer efveefOe kesÀ efoveebkeÀ hetBpeer efveefOe kesÀ
meercee SkeÌmeheespej % kesÀ ªhe ceW 31.03.2019 % kesÀ ªhe ceW
SkeÌmeheespej keÀes yekeÀe³ee jeefMe yekeÀe³ee jeefMe
Yeejleer³e KeeÐe efveiece 2439.97 2546.85 15.66 1338.58 8.23
efjuee³ebme efpeDees FbHeÀeskeÀe@ce 2439.97 2880.00 17.71 2544.21 15.64
ieesojspe Sb[ yees³eme 2439.97 2800.00 17.21 1445.32 8.89
efJeef[DeeskeÀe@ve Fb[mìêrpe 2439.97 2843.00 17.48 2734.14 16.81
yeer. yeQkeÀ Üeje Deefle¬eÀefcele mecetn $eÝCeer meercee : efvejbkeÀ
(v) $eÝCe SJeb DeefiećeeW keÀe efJeJejCe pees efkeÀ Decetle& Deeeqmle³eeW pewmes DeefOekeÀej, ueeFmeWme, DeefOehećeeCeve Deeefo Üeje jef#ele nw, pees efkeÀ
Devegmet®eer-9 ceW Deejef#ele efkeÀ³ee ie³ee nw.
` efvejbkeÀ kesÀ $eÝCe (iele Je<e& efvejbkeÀ ), efpevekeÀe heÝeej Decetle& heéfleYetefle³eeW pewmes DeefOekeÀej, ueeFmeWme, DeefOehećeeCeve Fl³eeefo hej nw, GvnW Dejef#ele
ceevee ie³ee nw.
Decetle& heéfleYetefle³eeW keÀe cetu³e ` efvejbkeÀ keÀjesæ[ (iele Je<e& efvejbkeÀ) nw.
(vi) Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMe [eryeerDees[er meb. yeerheer.yeermeer.57/62-88 efoveebkeÀ 31 efomecyej, 1988 kesÀ Devegmeej efoveebkeÀ
31 cee®e&, 2019 keÀes efvejbkeÀ (efheíues Je<e& ©, 2115.52 keÀjesæ[) kesÀ Deblej yeQkeÀ menYeeefielee hećeeCehe$e (DeeF&yeerheermeer) peesefKece
meePesoejer DeeOeej hej efoveebkeÀ 30 pegueeF&, 2018 kesÀ Deble lekeÀ DeefOekeÀlece 120 efove kesÀ DeJeefOe kesÀ efueS peejer efkeÀS ieS nQ,
heefjCeece mJeªhe efoveebkeÀ 31 cee®e&, 2018 keÀes Gleveer ner cee$ee ceW yeQkeÀ keÀe kegÀue Deefieće keÀce nes ie³ee nw.
(vii) S®eìerSce ÞesCeer keÀes/mes efye¬eÀer SJeb DeblejCe
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ oewjeve S®eìerSce ÞesCeer keÀes/mes efye¬eÀer SJeb DeblejCe, (Yeejle mejkeÀej Üeje mejkeÀejer heéfleYetefle³eeW
keÀer hegveKe&jero Deewj hetJe&-GoIeesef<ele Deesheve ceekexÀì Dee@hejsMeve veerueeceer kesÀ Debleie&le uesKeebkeÀve Je<e& kesÀ heéjbYe ceW YeeefjyeQ keÀes yes®es peeves kesÀ
efueS efveosMekeÀ ceb[ue kesÀ Devegceesove kesÀ meeLe Devegcele yeQkeÀeW Üeje DeefOeieéfnle S®eìerSce ÞesCeer keÀes/mes heéfleYetefle³eeW kesÀ SkeÀyeejieer DeblejCe keÀes
íesæ[keÀj) Je<e& kesÀ heéjcYe ceW S®eìerSce ÞesCeer ceW Oeeefjle efveJesMeeW kesÀ yener cetu³e mes 5% mes DeefOekeÀ nes ie³ee. efoveebkeÀ 31 cee®e&, 2019 keÀes
S®eìerSce ÞesCeer ceW Oeeefjle efveJesMeeW keÀe yeepeej cetu³e ` 75022 keÀjesæ[ Lee efpemekeÀe yener cetu³e ` 74570 keÀjesæ[ nw, efpemeceW Deveg<ebefie³eeW /
jKeeJe ueeiele hej meb³egÊeÀ GÐeceeW ceW efveJesMe Meeefceue nw. ®etbefkeÀ Ssmes efveJesMeeW keÀe yener cetu³e GvekesÀ yeepeej cetu³e mes keÀce nw. Dele: keÀesF& heéJeOeeve
keÀjves keÀer DeeJeM³ekeÀlee veneR nw.
7. Yeejleer³e efjpeJe& yeQkeÀ Üeje Deejesefhele oC[eW keÀe he´keÀìerkeÀjCe
Yeejleer³e efjpeJe& yeQkeÀ ves GvekesÀ ceeveob[eW keÀer Devegheeueve ve keÀjves kesÀ keÀejCe yeQeEkeÀie efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 46(4) (i) kesÀ meeLe heefþle Oeeje
47S (1) (S) kesÀ Debleie&le yeQkeÀ keÀes ` 1.16 keÀjesæ[ (iele Je<e& ` 0.91 keÀjesæ[) keÀe oC[ ueiee³ee.
8. peceeDeeW, Deefieće, SkeÌmeheespej SJeb SveheerS kesÀ mebkesÀvêCe mes meyebefOele he´keÀìerkeÀjCe:
8.1 peceeDeeW keÀe mebkesÀvêerkeÀjCe (` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
(S) yeerme yeæ[s peceekeÀlee&DeeW keÀer kegÀue peceejeefMe³eeb 14654.59 18098.73
(yeer) yeerme yeæ[s peceekeÀlee&DeeW keÀer peceejeefMe keÀe yeQkeÀ keÀer kegÀue pecee ceW heéfleMele 4.89% 6.14%
114
8.2 DeefiećeeW keÀe mebkesÀvêerkeÀjCe (` keÀjesæ[ ceW)

efJeJejCe 31.03.2019 31.03.2018
(S) yeerme yeæ[s GOeejkeÀlee&DeeW keÀe kegÀue Deefieće 16180.76 23203.00
(yeer) yeerme yeæ[s GOeejkeÀlee&DeeW kesÀ kegÀue Deefieće keÀe yeQkeÀ kesÀ kegÀue Deefieće ceW heéfleMele 9.65% 13.07%
Deefieće Yee.efj.yeQ. kesÀ ceeveob[eW kesÀ Devegmeej $eÝCe SkeÌmeheespej keÀe heéfleefveefOelJe keÀjles nQ.
8.3 SkeÌmeheespej keÀe mebkesÀvêerkeÀjCe
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
(S) yeerme yeæ[s GOeejkeÀlee&DeeW/ieénkeÀeW keÀe kegÀue SkeÌmeheespej 30600.38 33006.00
(yeer) yeerme yeæ[s GOeejkeÀlee&DeeW/ieénkeÀeW kesÀ kegÀue SkeÌmeheespej keÀe yeQkeÀ kesÀ kegÀue SkeÌmeheespej ceW heéfleMele 12.00% 13.54%
Deefieće Yee.efj.yeQ. kesÀ ceeveob[eW kesÀ Devegmeej $eÝCe Deewj efveJesMe SkeÌmeheespej keÀe heéfleefveefOelJe keÀjles nQ.
8.4 SveheerS keÀe mebkesÀvêerkeÀjCe
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
(S) Meer<e& ®eej SveheerS KeeleeW keÀe kegÀue SkeÌmeheespej 5820.88 6563.53
II. #es$eJeej Deefieće :
(` keÀjesæ[ ceW)
¬eÀce #es$e 31.03.2019 31.03.2018
meb. kegÀue yekeÀe³ee mekeÀue SveheerS Gme #es$e ceW kegÀue kegÀue yekeÀe³ee mekeÀue SveheerS Gme #es$e ceW kegÀue
Deefieće Deefieće ceW mekeÀue Deefieće Deefieće ceW mekeÀue
SveheerS keÀe SveheerS keÀe
heéfleMele heéfleMele
S heéLeefcekeÀlee #es$e
1 ke=Àef<e Deewj mecye× ieefleefJeefOe³eeb 35655.42 3446.76 9.67 34191.98 2515.62 7.36
2 heéLeefcekeÀlee #es$e ceW GOeej osves nsleg hee$e 11287.64 2288.24 20.27 13241.66 2299.01 17.36
GÐece #es$e keÀes Deefieće
3 mesJeeSb 19780.88 2945.76 14.89 19234.93 2216.56 11.52
4 J³eefÊeÀiele $eÝCe 16477.36 1007.58 6.11 16166.06 793.55 4.91
Ghe-³eesi³e (S) 83201.30 9688.34 11.64 82834.63 7824.74 9.45
yeer iewj heéLeefcekeÀlee #es$e
1 ke=Àef<e Deewj mecye× ieefleefJeefOe³eeb 0.00 0.00 0.00 0.00 0.00 0.00
2 GÐeesie 48682.02 19035.17 39.10 57886.75 25775.72 44.53
4 mesJeeSb 16126.42 2916.55 18.09 22677.46 4183.18 18.45
5 J³eefÊeÀiele $eÝCe 19719.17 715.98 3.63 14085.21 347.05 2.46
Ghe-³eesi³e (yeer) 84527.61 22667.70 26.82 94649.42 30305.96 32.02
kegÀue (S+yeer) 167728.91 32356.04 19.29 177484.04 38130.70 21.48
115
III. S. SveheerS ceW meb®eueve

(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
*efoveebkeÀ 1 Dehe´wue, 2017 keÀes mekeÀue SveheerS (heéjbefYekeÀ Mes<e) 38130.70 27251.33
Je<e& kesÀ oewjeve pegæ[e (ve³ee SveheerS) 10328.64 17071.24
Ghe-³eesie (S) 48459.34 44322.57
IeìeSb:-
(i) Deheie´s[sMeve 567.53 785.12
(ii) Jemetueer (Deheie´s[s[ KeeleeW ceW ngF& Jemetueer keÀes íesæ[keÀj)* 5160.56 2403.34
SveheerS keÀer efye¬eÀer 0.00 79.80
(iii) lekeÀveerkeÀer/efJeJeskeÀhetCe& yeÆs-Keeles 8522.52 2606.53
(iv) Ghe³eg&ÊeÀ (iii) kesÀ DeefleefjÊeÀ yeÆs-Keeles 1852.69 317.08
Ghe-³eesie (yeer) 16103.30 6191.87
31 cee®e&, 2018 keÀes mekeÀue SveheerS (Fefle Mes<e) (S-yeer) 32356.04 38130.70
yeer. lekeÀveerkeÀer yeÆs-Keeles leLee Jemetueer :
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
1 Dehe´wue keÀes lekeÀveerkeÀer/ efJeJeskeÀhetCe& yeÆs-KeeleeW keÀe heéjbefYekeÀ Mes<e 9239.32 6954.63
pegæ[e: Je<e& kesÀ oewjeve lekeÀveerkeÀer/ efJeJeskeÀhetCe& yeÆs-Keeles 8522.52 2606.53
Ghe-³eesie (S) 17761.84 9561.16
Ieìe: Je<e& kesÀ oewjeve hetJe& kesÀ lekeÀveerkeÀer/ efJeJeskeÀhetCe& yeÆs-KeeleeW ceW keÀer ieF& Jemetueer (yeer) 1684.04 321.84
efoveebkeÀ 31 cee®e& keÀes Fefle Mes<e (S-yeer) 16077.80 9239.32
* efve³eefcele yeÆs-Keeles ceW ` 1184.63 keÀjesæ[ (iele Je<e& `5.58 keÀjesæ[) kesÀ ªheeblejCe meefnle
IV. DeesJejmeerpe Deeeqmle³eeb, SveheerS leLee Dee³e
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
kegÀue Deeeqmle³eeb efvejbkeÀ efvejbkeÀ
kegÀue SveheerS efvejbkeÀ efvejbkeÀ
kegÀue Dee³e efvejbkeÀ efvejbkeÀ
V. Flej legueve-he$e heé³eesefpele SmeheerJeer (efpevnW uesKeebkeÀve ceeveob[eW kesÀ Deveg©he mecesefkeÀle keÀjvee DeeJeM³ekeÀ nw.)
Òee³eesefpele SmeHeerJeer keÀe veece
osMeer³e efJeosMeer
efvejbkeÀ efvejbkeÀ
116
VI. heéfleYetleerkeÀjCe mes mebyebefOele he´keÀìerkeÀjCe :

(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe 31.03.2019 31.03.2018
1. heéfleYetleerkeÀjCe uesveosve kesÀ efueS yeQkeÀ Üeje heé³eesefpele SmeheerJeer keÀer meb. * efvejbkeÀ efvejbkeÀ
2. yeQkeÀ Üeje heé³eesefpele SmeheerJeer keÀer yeefn³eeW kesÀ Devegmeej heéfleYetefleke=Àle Deeeqmle³eeW keÀer kegÀue jeefMe efvejbkeÀ efvejbkeÀ
3. leguevehe$e keÀer leejerKe keÀes SceDeejDeej kesÀ Devegheeueve ceW jeskesÀ ieS SkeÌmeheespej keÀer jeefMe efvejbkeÀ efvejbkeÀ
S) Flej leguevehe$e SkeÌmeheespej efvejbkeÀ efvejbkeÀ
he´Lece neefve efvejbkeÀ efvejbkeÀ
Dev³e efvejbkeÀ efvejbkeÀ
yeer) leguevehe$e SkeÌmeheespej efvejbkeÀ efvejbkeÀ
4 SceDeejDeej kesÀ DeueeJee heéfleYetleerkeÀjCe uesveosveeW kesÀ efueS SkeÌmeheespej keÀer jeefMe efvejbkeÀ efvejbkeÀ
S) Flej leguevehe$e SkeÌmeheespej efvejbkeÀ efvejbkeÀ
i) mJe³eb kesÀ heéfleYetleerkeÀjCe keÀe SkeÌmeheespej efvejbkeÀ efvejbkeÀ
neefve efvejbkeÀ efvejbkeÀ
ii) le=leer³e he#e heéfleYetleerkeÀjCe SkeÌmeheespej efvejbkeÀ efvejbkeÀ
yeer) leguevehe$e SkeÌmeheespej efvejbkeÀ efvejbkeÀ
i) mJe³eb kesÀ heéfleYetleerkeÀjCe keÀe SkeÌmeheespej efvejbkeÀ efvejbkeÀ
ii) le=leer³e he#e heéfleYetleerkeÀjCe SkeÌmeheespej efvejbkeÀ efvejbkeÀ
* yekeÀe³ee heéfleYetleerkeÀjCe uesveosveeW mes mebyebefOele SmeheerJeer keÀes ner efjheesì& efkeÀ³ee pee³e.
VII. Debleme&cetn SkeÌmeheespej :
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
(S) Debleme&cetn SkeÌmeheespej keÀer kegÀue jeefMe 706.42 692.62
(yeer) ìe@he 20 Debleme&cetn SkeÌmeheespej keÀer kegÀue jeefMe, Fme ÞesCeer ceW kesÀJeue 6 keÀcheefve³eeb nQ 706.42 692.62
(meer) GOeejkeÀlee&DeeW/ieénkeÀeW keÀes yeQkeÀ kesÀ kegÀue SkeÌmeheespej SJeb Debleme&cetn –SkeÌmeheespej keÀe heéfleMele 0.28% 0.29%
([er) Debleme&cetn SkeÌmeheespej keÀer meercee kesÀ GuuebIeve keÀe efJeJejCe SJeb Gme hej efJeefve³eecekeÀ keÀej&JeeF&, keÀesF& nes efvejbkeÀ efvejbkeÀ
117
peceekeÀlee&
VIII. efMe#eCe /peeieªkeÀlee efveefOe ([erF&SSHeÀ) ceW DeblejCe : (` keÀjesæ[ ceW)
efJeJejCe 31.03.2018 31.03.2017
[erF&SSHeÀ ceW DeblejCe keÀe heéjeqcYekeÀ Mes<e 61.69 32.72
peesæ[s – Je<e& kesÀ oewjeve [erF&SSHeÀ ceW DeblejCe 23.17 29.17
IeìeSb – oeJeeW kesÀ efueS [erF&SSHeÀ Üeje hegveYeg&ieleeve keÀer jeefMe 01.25 00.20
[erF&SSHeÀ ceW Debleefjle jeefMe keÀe Debeflece Mes<e 83.61 61.69
Deveeyebefìle pecee kesÀ mJe©he ceW efveeq½ele hee$e $eÝCe Deefieće nQ efpemekeÀe efJehe´s<eCe uebefyele meceeOeeve kesÀ keÀejCe DeYeer veneR efkeÀ³ee ie³ee.
9. lejuelee keÀJej
SuemeerDeej he´keÀìerkeÀjCe (` keÀjesæ[ ceW)
31.03.2019 31.03.2018
kegÀue DeYeeefjle kegÀue Yeeefjle kegÀue DeYeeefjle kegÀue Yeeefjle
cetu³e (Deewmele) cetu³e (Deewmele) cetu³e (Deewmele) cetu³e (Deewmele)
G®®e iegCeJeÊee keÀer lejue Deeeqmle³eeb
1 kegÀue G®®e iegCeJeÊee keÀer lejue Deeeqmle³eeb (S®ekeÌ³etSueS) 85927.25 90761.49
vekeÀo yeefnJee&n
2 efjìsue peceeSb SJeb ueIeg J³eJemee³eer ieénkeÀes mes peceeSb efpeveceW:
(i) eqmLej peceeSb 72633.00 3631.75 70192.60 3509.63
(ii) keÀce eqmLej peceeSb 184159.00 18415.75 175726.27 17572.63
3 Dejef#ele LeeskeÀ efveefOe³eve efpeveceW:
(i) heefj®eeueveelcekeÀ peceeSb (meYeer heéflehe#e) 0.00 0.00 0.00 0.00
(ii) iewj heefj®eeueveelcekeÀ peceeSb (meYeer heéflehe#e) 36819.75 15820.25 48090.22 21432.50
(iii) Dejef#ele keÀpe& 0.00 0.00 0.00 0.00
4 jef#ele LeeskeÀ efveefOe³eve 0.00
5 DeefleefjÊeÀ DeeJeM³ekeÀleeSb efpeveceW
(i) [sefjJesefìJe SkeÌmeheespej SJeb Dev³e mecheee|éekeÀ SkeÌmeheespej mecyevOeer yeefnJee&n 10491.00 10491.00 8563.56 8701.25
uirements
(ii) keÀpe& GlheeoeW kesÀ efveefOe³eve hej neefve mecyevOeer yeefnJee&n 0.00 0.00 0.00 0.00
(iii) $eÝCe SJeb lejuelee megefJeOeeSB 21291.25 2230.25 21344.93 2148.50
6 Dev³e DevegyevOeer³e efveefOe³eve oeef³elJe 1785.00 1785.00 1316.66 1358.90
7 Dev³e DeekeÀeqmcekeÀ efveefOe³eve oeef³elJe 19813.50 594.50 24491.51 753.85
8 kegÀue vekeÀo yeefnJee&n 52968.50 55477.26
vekeÀo DebleJee&n
9 jef#ele GOeeefj³eeb (DeLee&le efjJeme& jshees) 11499.00 0.00 32815.47 0.00
10 hetCe&leë keÀe³e&efve<heeokeÀ SkeÌmeheespej mes DebleJee&n 2883.75 2883.75 2277.90 2277.90
11 Dev³e vekeÀo DebleJee&n 24501.25 19378.25 23674.46 17368.41
12 kegÀue vekeÀo DebleJee&n 38884.00 22262.00 58767.84 19646.31
kegÀue mecee³eesefpele cetu³e kegÀue mecee³eesefpele cetu³e
13 kegÀue S®ekeÌ³etSueS 85927.00 90761.49
14 kegÀue Meg× vekeÀo yeefnJee&n 30706.50 35830.95
15 lejuelee keÀJejspe Devegheele (%) 279.83 253.30
118
SuemeerDeej iegCeelcekeÀ he´keÀìerkeÀjCe

®eueefveefOe keÀJejspe Devegheele (SuemeerDeej) iegCeelcekeÀ he´keÀìerkeÀjCe
SuemeerDeej kesÀ efueS DeeJeM³ekeÀ hećegKe ceoW J³eeK³eelcekeÀ efìhheefCe³eeb
S SuemeerDeej heefjCeeceeW kesÀ hećegKe meb®eeuekeÀ SuemeerDeej heefjCeeceeW kesÀ cegK³e meb®eeuekeÀ nw
SJeb SuemeerDeej keÀer ieCevee keÀer efveefJeeqä³eeW kesÀ 1. SuemeerDeej kesÀ meb®eeuekeÀeW ceW G®®e iegCeJeÊee lejue heefjmecheefÊe SkeÀ hećegKe meb®eeuekeÀ nw.
³eesieoeve keÀe cetu³eebkeÀve S®ekeÌ³etSueS keÀe SkeÀ yeæ[e IeìkeÀ nw- meerceeble mLeeF& megefJeOee (SceSmeSHeÀ) SJeb SuemeerDeej kesÀ
Debleie&le lejuelee keÀer megefJeOee keÀe Ghe³eesie keÀjvee. S®ekeÌ³etSueS keÀes heÝeeefJele keÀjves Jeeues Dev³e
IeìkeÀ nw – mejkeÀejer heéfleYetefle³eeW / mejkeÀej Üeje ieejbìerke=Àle ceW efveJesMe keÀjvee.
2. SuemeerDeej meb®eeuekeÀ keÀe SkeÀ Dev³e hećegKe IeìkeÀ vekeÀoer yeefnJee&n Yeer nw. vekeÀoer yeefnJee&n
kesÀ hećegKe IeìkeÀeW ceW, keÀce mLeeF& efjìsue pecee Dev³e efJeefOekeÀ FkeÀeF&³eeW mes efveefOe³eve SJeb Meg×
[sefjJesefìJe vekeÀo yeefnJee&n.
3. SuemeerDeej meb®eeueve keÀe SkeÀ Dev³e hećegKe IeìkeÀ vekeÀo DebleJee&n Yeer nw. vekeÀo DebleJee&n kesÀ cegK³e
IeìkeÀ nw – Dev³e he#e Üeje DebleJee&n leLee Meg× [sefjJesefìJe vekeÀo DebleJee&n.
yeer. DeblejeJeefOe heefjJele&ve SJeb mece³eevlejeue ceW ueeiet veneR
heefjJele&ve
meer. S®ekeÌ³etSueS keÀer mebj®evee S®ekeÌ³etSueS ceW efvecveefueefKele nesles nw –
1. mlej 1 heefjmecheefÊe³eeb efpeveceW SmeSueDeej efveJesMeeW (jshees, meeryeerSueDees, SceSmeSHeÀ,
meerDeejDeesSceSme kesÀ efJe©× $eÝCeie´mle, DeejìerpeerSme, SmepeerSHeÀ, ScemeerSkeÌme, SveSmemeermeerSue
Fl³eeefo kesÀ efueS jsnve jKeer Dev³e heéfleYetefle³eeb) keÀe DeeefOekeÌ³e, SceSmeSHeÀ kesÀ efueS ueeiet
Sve[erìerSue (SHeÀSSueSuemeerDeej) keÀe 2% SJeb YeeefjyeQ kesÀ efoMeeefveoxMeevegmeej Sve[erìerSue
keÀe 13% YeeefjyeQkeÀ kesÀ heefjhe$e meb. YeeefjyeQkeÀ/2018-19/98 [eryeerDeej.yeerheer.yeermeer. meb.
17/21.04.098/2018-19 efoveebkeÀ 28.12.2018 neslee nw.
2. mlej 2 S heefjmecheefÊe³eeb efpeveceW jep³e mejkeÀejeW Üeje peejer efJeMes<e (ef[mkeÀe@ce) yee@b[me, jep³e
Gpee& mebefJelejCe kebÀheefve³eeW Üeje peejer yee@b[dme, efJeÊeer³e keÀcheefve³eeW keÀes íesæ[keÀj kesÀvê mejkeÀej kesÀ
meeJe&peefvekeÀ #es$e kesÀ Ghe¬eÀce.
3. mlej 2 S heefjmecheefÊe³eeW ceW efJeÊeer³e keÀcheefve³eeW keÀes íesæ[keÀj S S SJeb G®®e ÞesCeer kesÀ efvepeer
keÀe@heexjsìdme Üeje peejer yee@b[ Yeer nesles nw.
4. mlej 2 yeer heefjmecheefÊe³eeW ceW efJeÊeer³e keÀcheefve³eeW keÀes íesæ[keÀj yeeryeeryeer mes S+ ÞesCeer kesÀ
keÀe@heexjsìdme kesÀ yee@b[dme nesles nw.
5. mlej 2 yeer heefjmecheefÊe³eeW ceW efJeÊeer³e keÀcheefve³eeW keÀes íesæ[keÀj efveHeÌìer /meWmeskeÌme Mes³ej Yeer Meeefceue
nesles nw.
[er. efveefOe³eve ñeesleeW keÀe mebkesÀvêerkeÀjCe yeQkeÀ Üeje Deheves he´l³eskeÀ cenlJehetCe& heéflehe#eer kesÀ efveefOe³eve, he´l³eskeÀ cenlJehetCe& Glheeo /efueKele, he´l³eskeÀ
cenlJehetCe& cegêe hej melele efveiejeveer jKekeÀj efveefOe³eve mebkesÀvêerkeÀjCe efkeÀ³ee peelee nw (’cenlJehetCe&“ mes
leelhe³e& yeQkeÀ keÀer os³eleeDeeW keÀer 1% mes DeefOekeÀ jeefMe mes nw)
F&. [sefjJesefìJe SkeÌmeheespeme& SJeb mecYeeJ³e yeQkeÀ kesÀ [sefjJesefìJe SkeÌmeheespej ceW efvecveefueefKele nesles nw –
mecheee|éekeÀ keÀe@ume 1. Deesìermeer [sefjJesefìJme
S- HeÀe@jJe[dme&
yeer- keÀjWmeer mJewhme
meer- y³eepe oj mJewhme
119
2. SkeÌme®eWpe ì^s[s[ [sjerJesefìJpe

S- keÀjWmeer HeÌ³et®ej
yeer- y³eepe oj HeÌ³et®ej
mecYeeJ³e mecheee|éekeÀ keÀe@ume leye meef¬eÀ³e nesles nw peye uesveosve SkeÌme®eWpe ceW neslee nw DeLeJee
GvekeÀe efveheìeve kesÀvêer³e heéflehe#e Üeje efkeÀ³ee peelee nw Deewj ³es ieejbìerke=Àle nesves kesÀ meeLe
meeLe heéflehe#eer heee|ì³eeW ceW DeeF&Sme[erS ceemìj SieérceWì keÀe DevegueivekeÀ ¬esÀef[ì meheesì& SveskeÌme
nmlee#eefjle efkeÀ³ee neslee nw.
keÀjWmeer HeÌ³et®eme& SJeb y³eepe oj HeÌ³et®ej kesÀ Debleie&le yeQkeÀ, J³eeheej kesÀ SkeÌmeheespej kesÀ efueS
mecheee|éekeÀ (peer-meskeÀ) kesÀ ªhe ceW ceee|peve jKeles nw pees SkeÌmeheespej keÀer jeefMe SJeb yeepeej keÀer
GLeuehegLeue hej DeeOeeefjle neslee nw.
nceejs meYeer Deblej yeQkeÀ ³etSme[er /DeeF&SveDeej mJewhme SJeb HeÀe@jJe[dme& keÀe efveheìeve meermeerDeeF&Sue
kesÀ ceeO³ece mes efkeÀ³ee peelee nw pees SkeÀ kesÀvêer³e keÀeGbìj heeìea (meermeerheer) nw. yeQkeÀ, Deblej yeQkeÀ
³etSme[er /DeeF&SveDeej mJewhme SJeb HeÀe@jJe[dme& kesÀ ieejbìerMegoe efveheìeve kesÀ efueS meermeerDeeF&Sue ceW
mecheee|éekeÀ (peer-meskeÀ) kesÀ ªhe ceW ceee|peve jKelee nw.
ceee|peve keÀer jeefMe, SkeÌmeheespej keÀer jeefMe SJeb yeepeej keÀer GLeuehegLeue hej DeeOeeefjle nesleer nw.
peye Yeer keÀe@ue Deelee nw leye DeefleefjÊeÀ ceee|peve keÀer jeefMe SkeÌme®eWpe /meermeer[er ceW jKeer peeleer nw.
Jele&ceeve ceW efkeÀmeer Yeer heéflehe#e kesÀ meeLe nceeje ¬esÀef[ì meheesì& DeveskeÌme veneR nw. Deleë keÀesF& Yeer
mecYeeJ³e mecheee|éekeÀ keÀe@ue GlheVe veneR nesiee.
SHeÀ. SuemeerDeej ceW cegêe keÀe yescesue nesvee mecYeeJ³e cegêe kesÀ yescesue keÀes jeskeÀves kesÀ efueS SuemeerDeej ceW he´l³eskeÀ cenlJehetCe& cegêe hej vepej jKeer
peeleer nw. keÀesF& cegêe ’cenlJehetCe&“ leye keÀnueeleer nw peye Gme cegêe ceW Oeeefjle kegÀue os³eleeSb yeQkeÀ keÀer
kegÀue os³eleeDeeW kesÀ 5% ³ee Gmemes DeefOekeÀ nes peeleer nw. yeQkeÀ ceW efHeÀueneue cegêe keÀe keÀesF& yescesue veneR
nw keÌ³eeWefkeÀ nceeje ’cenlJehetCe&“ ceW SkeÌmeheespej veneR nw.
peer. lejuelee heýebOeve kesÀvêerkeÀjCe keÀer cee$ee SJeb yeQkeÀ keÀe lejuelee heýebOeve kesÀvêerke=Àle nw efpeme hej SSueSce SJeb ì^spejer ìerce Üeje efveiejeveer jKeer peeleer
ie´ghe keÀer F&keÀeF³eeW kesÀ yeer®e mebyebOe nw. ì^spejer, meeryeerSme, SSueSce ìerce SJeb Dev³e keÀe³e&cetuekeÀ F&keÀeF³eeW ceW meg®ee© mebyebOe nw.
S®e. SuemeerDeej keÀer ieCevee ceW Dev³e DebleJee&n SJeb keÀesF& veneR.
yeefnJee&n pees meeOeejCele³ee SuemeerDeej keÀer
hekeÀæ[ ceW veneR Deeles nw hejbleg mebmLee Üeje FvnW
Deheveer lejuelee heésHeÀeFue kesÀ mebyebOe ceW mebiele
mecePee peelee nw.
DeeF&. Dev³e met®evee yeQkeÀ ves ` 2115.52 keÀjesæ[ keÀe DeeF&yeerheermeer uesveosve (DeeF&yeerheermeer GOeejer) efkeÀ³ee nw efpemes
SuemeerDeej ieCevee ceW IeìkeÀ yevee³ee ie³ee nw.

yeercee J³eJemee³e :
Jele&ceeve Je<e& kesÀ oewjeve yeQkeÀeM³egjwvme J³eJemee³e kesÀ mecyebOe ceW MegukeÀ/heefjueeqyOe³eeb efvecveevegmeej jneR:
31.03.2019 31.03.2018
hee@efueefme³eeW keÀer mebK³ee jeefMe (` keÀjesæ[ ceW) hee@efueefme³eeW keÀer mebK³ee jeefMe (` keÀjesæ[ ceW)
peerJeve 20883 10.02 25659 11.03
iewj-peerJeve yeercee 186558 10.59 201218 10.39
³eesie 20.61 21.42
120
11. efo Fvmìerìîetì Dee@HeÀ ®eeì&[ DekeÀeGbìWme Dee@HeÀ Fbef[³ee kesÀ Üeje peejer uesKee ceevekeÀeW kesÀ meboYe& ceW efvecveefueefKele met®evee heóe|Mele keÀer ieF& nw:
S) uesKeebkeÀve ceevekeÀ - 9
veF& uesKeebkeÀve veerefle ¬eÀ. 8 kesÀ Devegmeej Dee³e keÀer kegÀí ceoeW keÀer hen®eeve Jemetueer kesÀ DeeOeej hej keÀer keÀer ieF& nw. leLeeefhe, keÀefLele Dee³e keÀes cenÊJehetCe& veneR
ceevee ie³ee nw.
yeer) uesKeebkeÀve ceevekeÀ - 15 (mebMeesefOele)
megheefjYeeef<ele DebMeoeve ³eespevee :
jeäêr³e heWMeve ³eespevee (SveheerSme):-
Je<e& kesÀ oewjeve yeQkeÀ ves ueeYe SJeb neefve Keeles ceW ` 79.62 keÀjesæ[ (efheíues Je<e& 67.82 keÀjesæ[) SveheerSme keÀes DebMeoeve kesÀ ªhe ceW ceevee nw.
megheefjYeeef<ele ueeYe ³eespevee :
yeerceebefkeÀkeÀ cetu³eebkeÀveeW kesÀ DeeOeej hej heWMeve SJeb ie´s®³egìer ueeYeeLe& megheefjYeeef<ele ueeYe oeef³elJeeW keÀe Jele&ceeve cetu³e keÀe heéjbefYekeÀ SJeb Debeflece Mes<e keÀe efceueeve
veer®es efo³ee ie³ee nw :
(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
Gheoeve heWMeve Gheoeve heWMeve
meejCeer ceW megheefjYeeef<ele ueeYe oeef³elJe ceW heefjJele&ve Òeoe|Mele nw :
Je<e& kesÀ heéjbYe ceW oeef³elJe 1741.56 13821.17 1847.13 12484.08
y³eepe ueeiele 136.36 1076.67 134.29 930.06
®eeuet mesJee ueeiele 66.18 83.98 69.13 87.53
iele mesJee ueeiele (Deefveefnle) 0 0 0 0
iele mesJee ueeiele (efveefnle ueeYe) 0 0 329.37 0
os³elee DeblejCe 0 0 0 0
os³elee DeblejCe yee¿e 0 0 0 0
heóÊe ueeYe (270.50) (1170.59) (157.20) (952.30)
oeef³elJeeW hej JeemleefJekeÀ (ueeYe)/neefve 25.47 433.87 (481.16) 1271.80
Je<e& kesÀ Deble ceW os³eleeSb 1648.13 14245.10 1741.56 13821.17
Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb keÀer meejCeer :
Je<e& kesÀ heéjbYe ceW Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb 2124.94 13515.58 1656.73 12420.00
³eespevee Deeeqmle³eeW hej Dehesef#ele heéfleHeÀue 166.38 1048.81 120.44 925.29
DebMeoeve (100.00) 1324.00 490.40 859.08
Dev³e kebÀheveer mes DeblejCe 0 0 0 0
kebÀheveer mes DeblejCe 0 0 0 0
heóÊe ueeYe (270.50) (1170.59) (157.20) (952.30)
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ (ueeYe)/neefve (42.56) (72.66) 14.57 263.51
meceehle Je<e& hej Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb 1878.26 14645.14 2124.94 13515.58
ceev³elee heéhle hej kegÀue JeemleefJekeÀ (ueeYe)/neefve (17.09) (506.33) 495.73 (1008.29)
121
efJeJejCe 31.03.2019 31.03.2018

ueeYe SJeb neefve Keeles ceW ceev³e J³e³e : 66.18 83.98 69.13 87.53
y³eepe ueeiele (166.38) (1048.81) (120.44) (925.29)
³eespevee Deeeqmle³eeW hej Dehesef#ele heéfleHeÀue 0 0 0 0
mJeerke=Àle iele mesJee ueeiele (Deefveefnle) 0 0 0 0
mJeerke=Àle iele mesJee ueeiele (efveefnle ueeYe) 0 0 329.37 0
mJeerke=Àle meb¬eÀefcele os³elee 0 0 0 0
JeemleefJekeÀ ueeYe/neefve 17.09 506.53 (495.73) 1008.29
heer SJeb Sue ceW mJeerke=Àle J³e³e 53.25 618.37 (83.38) 1100.59
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ heéfleHeÀue
DevegYeJe kesÀ keÀejCe ³eespevee Deeeqmle³eeW hej JeemleefJekeÀ (ueeYe)/neefve (42.56) (72.66) 14.57 263.51
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ heéfleHeÀue 123.82 976.15 135.01 1188.80
DevegYeJe mecee³eespeve
DevegYeJe kesÀ keÀejCe megheefjYeeef<ele oeef³elJe hej JeemleefJekeÀ (ueeYe)/neefve (29.08) 422.24 (511.99) (1029.93)
efJeJejCe 31.03.2019 31.03.2018

cetue JeemleefJekeÀ hetJe&OeejCee keÀe he´³eesie (%)
®eeuet ítì oj 7.79 7.78 7.83 7.76
®eeuet ³eespevee Deeeqmle³eeW hej heéfleHeÀue oj 7.79 7.78 7.83 7.76
Jesleve Je=ef× oj 5.00 5.00 5.00 5.00
DeekeÀ<e&keÀ oj 0.50 0.50 0.50 0.50
Dev³e oerIee&JeefOe ueeYe :
Je<e& kesÀ oewjeve yeQkeÀ yeerceebefkeÀkeÀ cetu³eebkeÀve hej DeeOeeefjle DeJekeÀeMe vekeÀoerkeÀjCe J³e³e kesÀ mece#e ` 84.09 keÀjesæ[ (efheíues Je<e& ` 72.94) keÀe J³e³e ceevee
nw.
meer) uesKeebkeÀve ceevekeÀ 17 – Keb[Jeej efjheese\ìie
i) Yeejleer³e efj]peJe& yeQkeÀ kesÀ mebMeesefOele efoMeeefveoxMeeW kesÀ Devegmeej, yeQkeÀ ves heéLeefcekeÀ efjheese\ìie #es$e kesÀ ªhe ceW ì^spejer heefj®eeueve, keÀe@heexjsì/LeeskeÀ yeQeEkeÀie,
Kegoje yeQeEkeÀie leLee Dev³e yeQeEkeÀie J³eJemee³e keÀe efveOee&jCe efkeÀ³ee nw. efÜleer³ekeÀ efjheese\ìie #es$e kesÀ efueS keÀesF& J³eJemLee veneR nw
122
*peneb he´l³e#e Deeyebìve mecYeJe veneR nw, Jeneb Keb[Jeej Deeeqmle³eeW kesÀ DeeOeej hej Keb[Jeej jepemJe SJeb Ke®eeX keÀe efJeefve³eespeve efkeÀ³ee ie³ee nw. Jele&ceeve Je<e& kesÀ
JeieeakeÀjCe kesÀ Devegªhe DeeJeM³ekeÀ mecePes peeves hej DeebkeÀæ[eW keÀes hegveme&cetefnle efkeÀ³ee ie³ee nw.
ii) ì^spejer heefj®eeueveeW ceW mejkeÀejer leLee Dev³e heéfleYetefle³eeW, cegêe yeepeej heefj®eeueve leLee HeÀe@jskeÌme heefj®eeueve Meeefceue nQ.
iii) efjìsue yeQeEkeÀie #es$e ceW ` 5 keÀjesæ[ (efveefOe DeeOeeefjle leLee iewj-efveefOe DeeOeeefjle efveJesMe meefnle) keÀer meercee lekeÀ kesÀ meYeer efveJesMe Meeefceue nQ, ³en
DeefYecegKeleeSb, Glheeo, ie´svegueefjìer ceeveob[ leLee Jew³eefÊeÀkeÀ efveJesMe kesÀ DeOeerve nw.
iv) keÀe@heexjsì/meceie´ Keb[ ceW ì^mì/Yeeieeroej HeÀce&, keÀcheefve³eeW leLee meebefJeefOekeÀ efvekeÀe³eeW kesÀ Jes meYeer Deefieće Meeefceue nQ, pees efkeÀ efjìsue yeQeEkeÀie kesÀ lenle
Meeefceue veneR efkeÀS ieS nQ.
v) Dev³e yeQeEkeÀie #es$e ceW Jes meYeer Dev³e yeQeEkeÀie heefj®eeueve Meeefceue nQ, pees Ghe³eg&ÊeÀ leerveeW ÞesefCe³eeW ceW Meeefceue veneR nQ.
vi) meeceev³e yeQefkeÀie heefj®eeueve hećegKe mebmeeOeve mebieńCe FkeÀeF& nw leLee ì^spejer Keb[, he´³egÊeÀ Deewmele HebÀ[ keÀes ieCevee ceW uesles ngS GOeej oer ieF& efveefOe³ees kesÀ
efueS hetjkeÀ keÀe keÀe³e& keÀjlee nw.
[er) uesKee ceevekeÀ 18 kesÀ Devegmeej mecye× heeìea he´keÀìerkeÀjCe - mecye× heeìea
1. mecye× heee|ì³eeW keÀer met®eer :
(S) hećegKe heýebOekeÀer³e heoeefOekeÀejer
veece heoveece
i) Þeer heuueJe cenehee$e (efoveebkeÀ 21.09.2018 mes) heýebOe efveosMekeÀ SJeb meerF&Dees
ii) Þeer heer. Deej. cetefle& keÀe³e&heeuekeÀ efveosMekeÀ
iii) Þeer yepejbie MesKeeJele keÀe³e&heeuekeÀ efveosMekeÀ
iv) Þeer DeeueeskeÀ ÞeerJeemleJe (efoveebkeÀ 23.01.2019 mes) keÀe³e&heeuekeÀ efveosMekeÀ
123
(yeer)
Deveg<ebefie³eeb
i) mesvì yeQkeÀ nesce HeÀeFveWme efueefceìs[.
ii) mesvì yeQkeÀ HeÀeFveweqvMe³eue SC[ keÀmìesef[³eue mee|Jemesme efueefceìs[.
(meer)
men³eesieer
(I) #es$eer³e ieéceerCe yeQkeÀ -
i) mesvìûe ceO³e heósMe ieéceerCe yeQkeÀ, efívoJeeæ[e (ceO³e heósMe)
ii) GÊej efyenej ieéceerCe yeQkeÀ, cegpeHeÌHeÀjhegj (efyenej)
iii) GÊejyebiee #es$eer³e ieéceerCe yeQkeÀ, ketÀ®e efyenej (heeq½ece yebieeue)
(II) Fb[es - peeeqcye³ee yeQkeÀ efueefceìs[.
2. mecye× heee|ì³eeW kesÀ meeLe uesve-osve :
hećegKe heýebOekeÀer³e J³eefÊeÀ³eeW keÀes heóÊe heeefjÞeefcekeÀ : (` ueeKe ceW)
veece heoveece hećegKe heýebOekeÀer³e J³eefÊeÀ
31.03.2019 31.03.2018
Þeer heuueJe cenehee$e (efoveebkeÀ 21.09.2019 mes) heýebOe efveosMekeÀ SJeb meerF&Dees 14.68 0.00
Þeer jepeerJe $eÝef<e (efoveebkeÀ 31.07.2018 lekeÀ) heýebOe efveosMekeÀ SJeb meerF&Dees 39.50 30.13
Þeer yeer.kesÀ. efoJeekeÀj ( efoveebkeÀ 22.01.2019 lekeÀ) keÀe³e&heeuekeÀ efveosMekeÀ 46.55 23.70
Þeer Deej. meer. ueesæ{e (efoveebkeÀ 28.02.2017 lekeÀ) keÀe³e&heeuekeÀ efveosMekeÀ 0.00 0.42
Þeer heer. Deej. cetefle& keÀe³e&heeuekeÀ efveosMekeÀ 24.98 23.54
Þeer yepejbie MesKeeJele keÀe³e&heeuekeÀ efveosMekeÀ 24.47 10.93
Þeer DeeueeskeÀ ÞeerJeemleJe (efoveebkeÀ 23.012.2019 mes) keÀe³e&heeuekeÀ efveosMekeÀ 4.60 0.00
kegÀue 154.79 88.72
veesì : DeeF&meerSDeeF& Üejepeejer SSme-18, mecye× heeìea he´keÀìerkeÀjCe kesÀ Deveg®íso 9 kesÀ Devegmeej Deveg<ebefie³eeW SJeb mene³ekeÀ GÐeceeW kesÀ uesveosveeW
keÀe he´keÀìerkeÀjCe veneR efkeÀ³ee ie³ee nw keÌ³eeWefkeÀ ³en jep³e efve³ebef$ele GÐece Üeje efkeÀmeer Dev³e mecye× jep³e efve³ebef$ele GÐece mes mecyebefOele uesveosve kesÀ
he´keÀìerkeÀjCe ve keÀjves keÀer ítì oslee nw.
F&) uesKeebkeÀve ceevekeÀ 20 - heéfle Mes³ej Dee³e
uesKeebkeÀve ceevekeÀ 20 kesÀ Devegmeej heéfle Mes³ej Dee³e efvecveevegmeej ngF& nw :
31.03.2019 31.03.2018
FeqkeÌJeìer Mes³ejOeejkeÀ kesÀ efueS keÀj kesÀ yeeo GheueyOe Meg× ueeYe (` keÀjesæ[ ceW) (5641.48) (5104.90)
Yeeefjle Deewmele FeqkeÌJeìer Mes³ejeW keÀer mebK³ee 2794601814 1937882867
heéfle Mes³ej cetue Dee³e (`) (20.19) (26.34)
heéfle Mes³ej keÀer [eFu³etìs[ Dee³e (`) (20.19) (26.34)
heéfle Mes³ej meebkesÀeflekeÀ Dee³e (`) 10 10
SHeÀ) uesKeebkeÀve ceevekeÀ 22 - Dee³e hej keÀj keÀe uesKeebkeÀve (mecetn keÀe)
DeejyeerDeeF& Üeje meerF&ìer1 keÀer heefjieCevee ceW DeemLeefiele keÀj Deeeqmle³eeW ([erìerS) kesÀ efoMeeefveoxMeeW ceW mebMeesOeve SJeb heéJeOeeveerkeÀjCe keÀer cenÊJehetCe&
DeeJeM³ekeÀleeDeeW keÀes O³eeve ceW jKeles ngS, mece³eeblejCe kesÀ meehes#e heýebOeve Üeje Devegceeefvele mebYeeJ³e keÀj ueeYe kesÀ DeeOeej hej keÀer ieF& meceer#ee mes efoveebkeÀ
31 cee®e&, 2019 keÀes `7894.01 keÀjesæ[ DeemLeefiele keÀj Deeeqmle³eeW kesÀ ªhe ceW DeefYeef®eeqvnle efkeÀS ieS nQ. efoveebkeÀ 31 cee®e&, 2019 keÀes DeemLeefiele keÀj
Deeeqmle³eeW/os³eleeDeeW kesÀ hećegKe IeìkeÀ efvecveevegmeej nQ:
124
(` keÀjesæ[ ceW)
efJeJejCe DeemLeefiele keÀj Deeeqmle³eeb DeemLeefiele keÀj os³eleeSb
31.03.2019 31.03.2018 31.03.2019 31.03.2018
J³eJemee³e neefve 346.89 0.00 0.00 0.00
mLee³eer Deeeqmle³eeW hej cetu³eÛeme 0.00 0.00 27.77 21.24
Gheef®ele y³eepe; hejbleg efveJesMe hej heéh³e veneR 0.00 0.00 645.15 586.56
ígÆer vekeÀoerkeÀjCe kesÀ efueS heéJeOeeve 250.87 221.49 0.00 0.00
efveJesMe kesÀ efueS heéJeOeeve 0.00 575.91 0.00 0.00
$eÝCe SJeb Deefieće kesÀ efueS heéJeOeeve 8004.11 5213.37 0.00 0.00
Dee³e keÀj DeefOeefve³ece 1961 keÀer Oeeje 36(1) (viii) kesÀ Debleie&le keÀe efJeMes<e 0.00 0.00 34.94 34.94
Deejef#ele efveefOe
³eesie 8601.87 6010.77 707.86 642.74
Meg× DeemLeefiele keÀj os³eleeSb 7894.01 5368.03
ueeYe-neefve Keeles ceW Je<e& 2018-19 kesÀ efueS DeemLeefiele keÀj Deeeqmle³eeW ceW Meg× yeæ{esÊejer ` 2525.98 keÀjesæ[ (efheíues Je<e& ` 3014.35 keÀjesæ[) ceeveer
ieF&.
peer) uesKeebkeÀve ceevekeÀ 28 - Deeeqmle³eeW keÀer neefve
yeQkeÀ keÀer Deeeqmle³eeW keÀe SkeÀ yeæ[e Yeeie Jes efJeÊeer³e Deeeqmle³eeb nw, efpevnW Deeeqmle³eeW hej neefve keÀe uesKeebkeÀve ceevekeÀ - 28 ueeiet veneR nw. heýebOeve kesÀ cele
ceW, efoveebkeÀ 31 cee®e&, 2019 keÀes efJeÊeer³e Deeeqmle³eeW kesÀ DeueeJee Dev³e Deeeqmle³eeW hej keÀesF& yeæ[er neefve heefjueef#ele veneR ngF& nw. efpemes ceev³e keÀjves keÀer
DeeJeM³ekeÀlee nw.
S®e) heéJeOeeveeW, DeekeÀeqmcekeÀ os³eleeDeeW SJeb DeekeÀeqmcekeÀ Deeeqmle³eeW hej - uesKeebkeÀve ceevekeÀ 29
(i) heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb (` keÀjesæ[ ceW)
ueeYe-neefve Keeles kesÀ Meer<e& `J³e³e’ kesÀ Debleie&le oMee&S ieS heéJeOeeve SJeb DeekeÀeqmcekeÀleeDeeW keÀe ye´skeÀ-Dehe 31.03.2019 31.03.2018
efveJesMe hej heéJeOeeve/Ûeme (Meg×) 983.88 794.17
SveheerS nsleg heéJeOeeve 11029.86 10543.58
ceevekeÀ Deeeqmle nsleg heéJeOeeve (114.93) 6.31
keÀj nsleg efkeÀS ieS heéJeOeeve (2528.74) (2791.07)
hegveie&efþle $eÝCeeW hej heéJeOeeve (425.02) (950.62)
Dev³e heéJeOeeve (177.08) 235.52
kegÀue 8767.97 7837.89
(ii) DemLee³eer heéJeOeeve (` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
S DemLee³eer heéJeOeeve Keeles ceW heéjbefYekeÀ Mes<e 100.56 100.56
yeer uesKee Je<e& ceW efkeÀS ieS DemLee³eer heéJeOeeveeW keÀer jeefMe - -
meer uesKee Je<e& kesÀ oewjeve DeenjCe Üeje keÀceer keÀer ieF& jeefMe - -
[er DemLee³eer heéJeOeeve Keeles ceW Debeflece Mes<e 100.56 100.56
125
(iii) heéfle®e¬eÀer³e heéJeOeeveerkeÀjCe yeHeÀj :

(` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
S heéfle®e¬eÀer³e heéJeOeeve Keeles ceW heéjbefYekeÀ Mes<e 47.34 47.34
yeer uesKee Je<e& ceW efkeÀS ieS heéfle®e¬eÀer³e heéJeOeeveeW keÀer jeefMe - -
[er heéfle®e¬eÀer³e heéJeOeeve Keeles ceW Debeflece Mes<e 47.34 47.34
12. efMekeÀe³eleeW keÀe efJeJejCe
ieénkeÀeW keÀer efMekeÀe³eleW (SìerSce SJeb mesvìûe keÀe[& keÀes íesæ[keÀj) efMekeÀe³eleeW keÀer mebK³ee
31.03.2019 31.03.2018
S) Je<e& kesÀ heéjbYe ceW ueeqcyele 654 681
yeer) Je<e& kesÀ oewjeve heéhle 11131 10558
meer) Je<e& kesÀ oewjeve efveJeejCe 11464 10585
[er) Je<e& kesÀ Deble ceW ueeqcyele 321 654
yeQeEkeÀie ueeskeÀheeue Üeje efoS ieS DeefOeefveCe&³e mebK³ee

31.03.2018 31.03.2017
S) Je<e& keÀer Meg©Deele ceW ueeiet ve efkeÀS ieS DeefOeefveCe&³eeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
yeer) Je<e& kesÀ oewjeve yeQeEkeÀie ueeskeÀheeue Üeje efoS ieS DeefOeefveCe&³eeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
meer) Je<e& kesÀ oewjeve ueeiet DeefOeefveCe&³eeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
[er) Je<e& kesÀ Deble ceW ueeiet ve efkeÀS ieS DeefOeefveCe&³eeW keÀer mebK³ee efvejbkeÀ efvejbkeÀ
heýebOeve Üeje mecesefkeÀle SJeb uesKee hejer#ekeÀeW Üeje efJeéeeme efkeÀS ieS Devegmeej.
efveJesMekeÀeW keÀer efMekeÀe³eleW efMekeÀe³eleeW keÀer mebK³ee
31.03.2019 31.03.2018
S) Je<e& kesÀ heéjbYe ceW ueeqcyele 0 0
yeer) Je<e& kesÀ oewjeve heéhle 73 127
meer) Je<e& kesÀ oewjeve efveJeejCe 73 127
[er) Je<e& kesÀ Deble ceW ueeqcyele 0 0
SìerSce uesveosveeW kesÀ mecyevOe ceW efMekeÀe³eleW

ieénkeÀ efMekeÀe³ele 31.03.2019 31.03.2018
S) Je<e& kesÀ heéjbYe ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 2917 2806
yeer) Je<e& kesÀ oewjeve heéhle efMekeÀe³eleeW keÀer mebK³ee 310581 165747
meer) Je<e& kesÀ oewjeve efveheìeF& ie³eer efMekeÀe³eleeW keÀer mebK³ee 310842 165636
[er) Je<e& kesÀ Deble ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 2656* 2917
*efpemeceW mes efoveebkeÀ 12.04.2019 keÀes 738 efMekeÀe³eleW uebefyele nQ Deewj meYeer ìve& DejeGb[ ìeFce ceW nw.
126
mesvìûe keÀe[& uesveosveeW kesÀ mecyevOe ceW efMekeÀe³eleW

ieénkeÀ efMekeÀe³ele 31.03.2019 31.03.2018
S) Je<e& kesÀ heéjbYe ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 8 0
yeer) Je<e& kesÀ oewjeve heéhle efMekeÀe³eleeW keÀer mebK³ee 8824 7962
meer) Je<e& kesÀ oewjeve efveheìeF& ie³eer efMekeÀe³eleeW keÀer mebK³ee 8832 7954
[er) Je<e& kesÀ Deble ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 0 8
13. efoveebkeÀ 31.03,.2019 keÀes yeQkeÀ Üeje peejer efkeÀS ieS ®egkeÀewleer Deeéeemeve he$e SJeb yekeÀe³ee jeefMe keÀe efJeJejCe
(` keÀjesæ[ ceW )
efJeJejCe 31.03.2019 31.03.2018
Je<e& kesÀ oewjeve peejer ®egkeÀewleer Deeéeemeve he$e 0.00 1744.59
Je<e& kesÀ oewjeve heefjhekeÌJe/efvejmle ®egkeÀewleer Deeéeemeve he$e 819.09 2199.07
meceehle Je<e& hej yekeÀe³ee ®egkeÀewleer Deeéeemeve he$e 0.00 819.09
Ghe³eg&ÊeÀ GuuesefKele ®egkeÀewleer Deeéeemeve he$e mJeerke=Àle J³eeheej meeKe meercee kesÀ lenle peejer efkeÀS ieS nQ
14. heéJeOeeve keÀJejspe Devegheele (heermeerDeej)
heermeerDeej (heéJeOeeve-mekeÀue SveheerS Devegheele) 76.60 % (iele Je<e& 63.31%).
15. heýebOeleb$e Üeje mebkeÀefuele met®evee kesÀ Devegmeej Jes JeW[me&, efpevekeÀer mesJeeSb yeQkeÀ Üeje ceW ueer ieF¥ SJeb efpevemes Kejero keÀer ieF& nw, Jes met#ce, ueIeg SJeb ceO³ece GÐece
efJekeÀeme DeefOeefve³ece, 2006 kesÀ lenle hebpeerke=Àle veneR nQ. Fme hej uesKeehejer#ekeÀeW Üeje efJeéeeme efkeÀ³ee ie³ee nw.
16. Dejef#ele efJeosMeer cegêe keÀe SkeÌmeheesmej:
efoveebkeÀ 31.03.2019 keÀes Deejef#ele efJeosMeer cegêe keÀe SkeÌmeheespej `5612.12 keÀjesæ[ ngDee Lee. (efoveebkeÀ 31.03.2018 keÀes ` 4310.81 keÀjesæ[ Lee)
yeQkeÀ ves HeÀe@jskeÌme yeepeej keÀer DeeqmLejlee kesÀ keÀejCe nesves Jeeues efJeefve³ece peesefKece hej Yeer efJe®eej efkeÀ³ee nw SJeb leovegmeej peesefKece keÀce keÀjves kesÀ efueS Gef®ele
heéJeOeeve efkeÀS nQ. yeQkeÀ ves Dejef#ele efJeosMeer cegêe SkeÌmehees]pej mes nesves Jeeues $eÝCe peesefKece hej Yeer efJe®eej efkeÀ³ee nw SJeb leoevegmeej peesefKece v³etveerkeÀjCe Ghee³e
efkeÀS nQ. ³etSHeÀmeerF& kesÀ meeLe mebmLeeDeeW keÀes SkeÌmehees]pej kesÀ efueS efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS kegÀue ` 1.62 keÀjesæ[ ( efheíues Je<e& `300
keÀjesæ[) keÀe heéJeOeeve efkeÀ³ee nw.
17 OeesKeeOeæ[er nsleg heéJeOeeve:
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e mebK³ee DeejyeerDeeF&/2015-16/376/[eryeerDeejmeb.yeerheer.yeermeer.92/21.04.048/2016-16 efoveebkeÀ 18.04.2016 kesÀ
Devegmeej OeesKeeOeæ[er SJeb heéJeOeeve keÀe efJeJejCe efvecveevegmeej nw :
(` keÀjesæ[ ceW )
Je<e& efjheesì& keÀer ieF& meceeefnle jeefMe efkeÀ³ee ie³ee DeheefjMeesefOele efoveebkeÀ 31.03.2019 keÀes
OeesKeeOeæ[er keÀer meb. heéJeOeeve heéJeOeeve DeheefjMeesefOele heéJeOeeve
2018-19 650 2895.13 2895.13 efvejbkeÀ efvejbkeÀ
Je<e& efjheesì& keÀer ieF& meceeefnle jeefMe efkeÀ³ee ie³ee DeheefjMeesefOele efoveebkeÀ 31.03.2018 keÀes
OeesKeeOeæ[er keÀer meb. heéJeOeeve heéJeOeeve DeheefjMeesefOele heéJeOeeve
2017-18 209 1399.93 1399.93 efvejbkeÀ efvejbkeÀ
18. $eÝCe ®etkeÀ mJewhe
efJeÊe Je<e& 2018-19 kesÀ oewjeve yeQkeÀ ves keÀe@heexjsì ef[]HeÀe@uì mJewhe hej eqmLeefle le³e veneR keÀer nw. ( efheíues Je<e& – efvejbkeÀ)
127
19. met®evee megj#ee, FueskeÌìê@efvekeÀ yeQeEkeÀie, lekeÀveerkeÀer peesefKece heýebOeve SJeb meeFyej OeesKeeOeefæ[³eeW hej efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve
yeQkeÀ ves Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e DeejyeerDeeF&/2010-11/494 [eryeerSme.meerDees. DeeF&ìermeer.yeermeer.meb. 6/31.02.008/2010-11 efoveebkeÀ 29 Dehe´wue
2011 kesÀ Devegmeej veerefle³eeb lew³eej keÀer nQ. Fve veerefle³eeW keÀer heýebOeleb$e Üeje DeeJeefOekeÀ meceer#ee keÀer peeleer nw. Fve veerefle³eeW keÀer efheídueer meceer#ee efoveebkeÀ
28.03.2019 keÀes Dee³eesefpele yewþkeÀ ceW efveosMekeÀ ceb[ue Üeje keÀer ieF& Leer.
20. SvemeerSueìer heéJeOeeveeW mes mebyebefOele he´keÀìerkeÀjCe :
YeeefjyeQ kesÀ heefjhe$e meb. ¬eÀceMe: [eryeerDeej meb. yeerheer.15199/21.04.048/ 2016-17 leLee [eryeerDeej meb. yeerheer.1906/21.04.048/2017-18 efoveebkeÀ
23.06.2017 Deewj efoveebkeÀ 28.08.2017 kesÀ Devegmeej efoJeeuee leLee efoJeeefue³eeheve keÀes[ (DeeF&yeermeer) kesÀ heéJeOeeveeW kesÀ Debleie&le keÀJej efkeÀS ieS KeeleeW kesÀ
efueS yeQkeÀ ves efoveebkeÀ 31.03.2019 keÀes kegÀue `6479.59 keÀjesæ[ keÀe heéJeOeeve efkeÀ³ee nw. (kegÀue yekeÀe³ee Mes<e keÀe 86.34%)
21. Deeeqmle iegCeJeÊee ceW efJe®eueve SJeb SveheerS kesÀ efueS heéJeOeeve hej he´keÀìerkeÀjCe :
efJeÊeer³e Je<e& 2017-18 kesÀ efueS Yee.efj.yeQ. Üeje DeebkeÀefuele DeeJeM³ekeÀ DeefleefjÊeÀ heéJeOeeve SJeb DeekeÀeqmcekeÀlee kesÀ hetJe& efjheesì& efkeÀS ieS ueeYe keÀer
heéjbefYekeÀ meercee mes 10% DeefOekeÀ nw. Deeeqmle JeieeakeÀjCe SJeb heéJeOeeveeW ceW efJe®eueve kesÀ mebyebOe ceW Yee.efj.yeQ. kesÀ heefjhe$e mebK³ee [eryeerDeej.yeerheer.yeermeer meb.
32/21.04.018/2018-19 efoveebkeÀ 01.04.2019 efvecveevegmeej he´keÀìerkeÀjCe efkeÀ³ee ie³ee nw :
¬eÀce meb. efJeJejCe jeefMe
(` keÀjesæ[ ceW)
1. efoveebkeÀ 31.03.2018 keÀes yeQkeÀ Üeje efjheesì& efkeÀS ieS mekeÀue SveheerS 38130.70
2. efoveebkeÀ 31.03.2018 keÀes Yee.efj.yeQ. Üeje DeebkeÀefuele mekeÀue SveheerS 38766.90
3. mekeÀue SveheerS ceW efJe®eueve (2-1) 636.20
4. efoveebkeÀ 31.03.2018 keÀes yeQkeÀ Üeje efjheesì& efkeÀS ieS Meg× SveheerS 17377.87
5. efoveebkeÀ 31.03.2018 keÀes Yee.efj.yew. Üeje DeebkeÀefuele Meg× SveheerS 17830.67
6. Meg× SveheerS ceW efJe®eueve (5-4) 452.80
7. efoveebkeÀ 31.03.2018 keÀes yeQkeÀ Üeje efjheesì& efkeÀS ieS SveheerS kesÀ efueS heéJeOeeve 19601.31
8. efoveebkeÀ 31.03.2018 keÀes Yee.efj.yeQ. Üeje DeebkeÀefuele SveheerS kesÀ efueS heéJeOeeve 20743.31
9. heéJeOeeve ceW efJe®eueve (8-7) 1142.00
10. efoveebkeÀ 31.03.2018 keÀes meceehle Je<e& kesÀ efueS efjheesì& efkeÀ³ee ie³ee keÀj he½eele Meg× ueeYe (heerSìer) (5104.90)
11. heéJeOeeve ceW efJe®eueve keÀes Meeefceue keÀjles ngS efoveebkeÀ 31.03.2018 keÀes meceehle Je<e& kesÀ efueS keÀj he½eele mecee³eesefpele (6246.90)
(keÀeuheefvekeÀ) Meg× ueeYe (heerSìer)
efoveebkeÀ 31cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ ves Deheves keÀecekeÀepeer heefjCeeceeW kesÀ Thej kesÀ heÝeeJe keÀes efJeefOeJele ope& efkeÀ³ee nw.
22. DeejyeerDeeF& ves Deheves heefjhe$e[eryeerDeej mebK³ee yeerheer.yeermeer.108/21.04.048/2017-18 efoveebkeÀ 6 petve, 2018 kesÀ ceeO³ece mes yeQkeÀeW keÀes SceSmeSceF&
GOeejkeÀlee&DeeW kesÀ SkeÌmehees]pej keÀes ceevekeÀ Deeeqmle³eeW ceW Jeieeake=Àle keÀjles jnves nsleg Devegcele efkeÀ³ee Lee. leoevegmeej, yeQkeÀ ves efoveebkeÀ31.03.2019 keÀes ` 241.68
keÀjesæ[ kesÀ Deefieće keÀes ceevekeÀ Deeeqmle³eeW ceW jKee nw. heéJeOeeveeW kesÀ heefjhe$e kesÀ Devegmeej, yeQkeÀ ves Fve KeeleeW hej Deheéhle y³eepe hej O³eeve veneR efo³ee nw SJeb
efoveebkeÀ 31 cee®e&,2019 keÀes Fve GOeejkeÀlee&DeeW kesÀ mebyebOe ceW (241.68 keÀjesæ[ hej @ 5%) `12.08 keÀjesæ[ keÀe ceevekeÀ heéJeOeeve efkeÀ³ee nw. FmekesÀ DeefleefjÊeÀ,
DeejyeerDeeF& kesÀ heefjhe$e mebK³ee [eryeerDeej. veb.yeerheer.yeermeer.18/21.04.048/2018-19 efoveebkeÀ 1peveJejer,2019 kesÀ Devegmeej ’SceSmeSceF& GOeejkeÀlee&DeeW keÀes
ítì ceeue SJeb mesJee keÀj kesÀ Debleie&le hebpeerke=Àle efkeÀ³ee ie³ee nw“. efoveebkeÀ 31 cee®e&,2019 keÀes SceSmeSceF& kesÀ hegvej&ef®ele KeeleeW keÀe efJeJejCe efvecveevegmeej nw :-
hegvej&ef®ele KeeleeW keÀer mebK³ee jeefMe

(` keÀjesæ[ ceW)
1202 97.13
128
23. meeceev³e ÞesCeer kesÀ Debleie&le yes®es / (Kejeros) ieS heéLeefcekeÀlee #es$e GOeej hećeeCehe$e (heerSmeSuemeer). efJeJejCe efvecveevegmeej nw :
(` keÀjesæ[ ceW)
veesì: (-) $eÝCe heerSmeSuemeer keÀer efye¬eÀer keÀe mebkesÀle leLee (+) heerSmeSuemeer keÀer Kejero keÀe mebkesÀle oslee nw.
GhejesÊeÀ ÞesefCe³eeW kesÀ heerSmeSuemeer keÀe keÀefceMeve oj 0.06% mes 1.60% nw.
24. SceìerSce neefve³eeW kesÀ efJemleej kesÀ mebyebOe ceW he´keÀìerkeÀjCe
YeeefjyeQ kesÀ heefjhe$e meb. [eryeerDeej.meb.yeerheer.yeermeer.102/21.04.048/2017-18 efoveebkeÀ 02 Dehe´wue, 2018 kesÀ Devegmeej YeeefjyeQ, efoveebkeÀ DeejyeerDeeF& ves Deheves
heefjhe$e [eryeerDeej.veb.yeerheer.yeermeer.113/21.04.048/2018-19 efoveebkeÀ 15 petve, 2018 kesÀ ceeO³ece mes yeQkeÀeW keÀes efoveebkeÀ 30 petve, 2018 keÀes meceehle efleceener
kesÀ efueS SSHeÀSme SJeb S®eìerSHeÀ ÞesCeer ceW jKes ie³e efveJesMeeW hej SceìerSce neefve keÀes efpeme efleceener ceW neefve ngF& nw Gme efleceener mes DeejcYe keÀj ®eejeW efleceeefn³eeW
ceW Gme neefve keÀes HewÀueeves nsleg Devegcele efkeÀ³ee nw. 30 petve, 2018 keÀes meceehle efleceener ceW ` 74.81 keÀjesæ[ keÀer Fme neefve keÀes heéJeOeeveeW kesÀ efYeVekeÀeefuekeÀ keÀer
Devegceefle keÀe ueeYe uesles ngS FmekeÀes ¼ keÀes petve SJeb efmelecyej, 2018 efleceeefn³eeW ceW yeebìe ie³ee nw SJeb iewj heefjMeesefOele yekeÀe³ee Mes<e ` 37.40 keÀjesæ[ Lee.
efoveebkeÀ 31.12.2018 keÀes yee@v[ oj De®íer nesves kesÀ keÀejCe DeemLeefiele heéJeOeeve keÀer DeeJeM³ekeÀlee veneR Leer. Gheg³e&ÊeÀ kesÀ heefjCeecele: hetCe& SceìerSce neefve
efoveebkeÀ 31.03.2019 keÀes hetCe&leewj hej keÀJej nes ie³eer.
25. Deejef#ele ceW DeenjCe Üeje keÀceer
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve Deejef#ele ceW mes DeenjCe Üeje keÀesF& keÀceer veneR ngF& ( efheíues Je<e& efvejbkeÀ)
26. peneb keÀneR Yeer DeeJeM³ekeÀ mecePee ie³ee nw Jeneb hej efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes hegveme&cetefnle/hegve:Jeieeake=Àle efkeÀ³ee ie³ee nw, efpememes efkeÀ Jele&ceeve Je<e& kesÀ JeieeakeÀjCe
mes meceªheCe nes mekesÀ.
DeeueeskeÀ ÞeerJeemleJe yeer.Sme.MesKeeJele heer.jceCe cetefle&

keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ
heuueJe cenehee$e leheve je³e

heýebOe efveosMekeÀ SJeb meerF&Dees DeO³e#e
Yeeieeroej Yeeieeroej Yeeieeroej
meom³elee meb. 033254 Yeeieeroej
meom³elee meb. 087002 meom³elee meb. 039585 meom³elee meb. 093348
mLeeve: cegbyeF&
129
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀer vekeÀo he´Jeen efJeJejCeer
(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe 31- 03- 2019 31- 03- 2018
S heefj®eeueve ieefleefJeefOe³eeW mes vekeÀo he´Jeen
keÀjeW hetJe& ueeYe/ (neefve) (8,170.22) (7,895.97)
I mecee³eespeve nsleg :
De®eue Deeeqmle³eeW hej cetu³eÛeme 277.72 260.31
efveJesMeeW hej cetu³eÛeme (heefjhekeÌJe ef[yeW®ejeW meefnle) 983.88 794.17
DeMeesO³e DeheefueefKele keÀpe&/ Devepe&keÀ Deeeqmle³eeW hej heéJeOeeve 10,626.30 9,564.62
ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve (114.93) 6.31
Dev³e ceoeW (Meg×) kesÀ efueS heéJeOeeve (198.54) 263.86
De®eue Deeeqmle³eeW keÀer efye¬eÀer hej (ueeYe/neefve) (Meg×) 4.43 4.50
Deveg<ebefie³eeW mes heéhle ueeYeebMe (5.22) (10.10)
Ghe ³eesie 3,403.42 2,987.70
II mecee³eespeve nsleg :
pecee ceW Je=ef× (keÀceer) 5,016.58 (1,832.33)
GOeejeW ceW Je=ef×/(keÀceer) (467.06) (3,576.33)
Dev³e os³eleeDeeW SJeb heéJeOeeveeW ceW Je=ef×/(keÀceer) (1,103.64) (1,835.07)
DeefiećeeW ceW (Je=ef×)/keÀceer (609.48) (26,708.03)
efveJesMeeW ceW (Je=ef×)/keÀceer (23,650.34) (11,330.90)
Dev³e Deeeqmle³eeW ceW (Je=ef×)/keÀceer 2,635.47 (1,807.22)
he´l³e#e keÀjeW keÀe Yegieleeve (Jeehemeer keÀer jeefMe Fl³eeefo meefnle) 187.43 (293.85)
Ghe ³eesie (17,991.04) (47,383.73)
heefj®eeueveelcekeÀ ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (S) (14,587.62) (44,396.03)
yeer efveJesMe ieefleefJeefOe³eeW mes vekeÀo he´Jeen

De®eue Deeeqmle³eeW keÀer efye¬eÀer/efveheìeve 3.48 4.12
De®eue Deeeqmle³eeW keÀer Kejero (254.12) (314.25)
men³eesieer/Deveg<ebieer mes heéhle ueeYeebMe 5.22 10.10
efveJesMe ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (yeer) (245.42) (300.03)
meer efJeÊehees<eCe ieefleefJeefOe³eeW mes vekeÀo he´Jeen

Mes³ej hetbpeer (Mes³ej heérefce³ece meefnle) 6,592.00 5,158.00
Mes³ej DeeJesove jeefMe 212.54 -
ueeYeebMe - Debleefjce ueeYeebMe meefnle FeqkeÌJeìer Mes³eme& - -
ueeYeebMe keÀj - -
efJeÊehees<eCe ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (meer) 6,804.54 5,158.00
130
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀer vekeÀo he´Jeen efJeJejCeer
(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe 31- 03- 2019 31- 03- 2018
[er vekeÀo SJeb vekeÀo legu³e (S+yeer+meer) ³ee (SHeÀ-F&) ceW Meg× Je=ef× (8,028.50) (39,538.06)
F& Je<e& kesÀ heéjbYe ceW vekeÀo leLee vekeÀo legu³e

vekeÀo SJeb Yeeefjyew ceW pecee Mes<e 35,999.91 75,086.76
yeQkeÀ ceW pecee Mes<e leLee ceebie SJeb Deuhe met®evee hej Oeve 3,228.53 3,679.74
Je<e& kesÀ heéjbYe ceW Meg× vekeÀo leLee vekeÀo mecekeÀ#e (F&) 39,228.44 78,766.50
SHeÀ Je<e& keÀer meceeeqhle hej vekeÀo SJeb vekeÀo mecekeÀ#e

vekeÀo SJeb Yeeefjyew kesÀ meeLe Mes<e 20,779.09 35,999.91
yeQkeÀ SJeb ceebie hej OevejeefMe leLee Deuhe met®evee ceW Mes<e 10,420.85 3,228.53
Je<e& kesÀ Deble ceW Meg× vekeÀo leLee vekeÀo mecekeÀ#e (SHeÀ) 31,199.94 39,228.44
veesìdme:
1) GÊeÀ mecesefkeÀle vekeÀo he´Jeen efJeJejCeer DeeF&meerSDeeF& Üeje peejer vekeÀo he´Jeen efJeJejCeer hej uesKeebkeÀve ceevekeÀ - 3 ceW efveOee&jCe Devegmeej 'Dehe´l³e#e ceeO³ece' kesÀ
Debleie&le lew³eej efkeÀS ieS nQ.
2) efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes Jele&ceeve Je<e& ceW megefveeq½ele keÀjves kesÀ efueS hegveme&ceesefnle/hegveJ³e&JeeqmLele efkeÀ³ee ie³ee nw.

mLeeve: cegbyeF&
131
efoveebkeÀ 31.03.2019 keÀes efheuej 3 (yeemeue III) he´keÀìerkeÀjCe

leeefuekeÀe [erSHeÀ-1 : he´³eesp³e #es$e
(i) iegCeelcekeÀ he´keÀìerkeÀjCe :
Fme Meerì ceW mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀe SkeÀue DeeOeej ceW he´keÀìerkeÀjCe nw.
mecesefkeÀle KeeleeW (Jeee|<ekeÀle: he´keÀì) ceW yeQkeÀ keÀer Deveg<ebieer/ men³eesieer mebmLeeSb efvecveevegmeej nw:
S. meceskeÀve ceW Meeefceue mecetn efvekeÀe³eeW keÀer met®eer
efvekeÀe³e keÀe veece/ efveieceve keÌ³ee efvekeÀe³e meceskeÀve keÀer efJeefOe yeleeSb keÌ³ee efvekeÀe³e meceskeÀve keÀer efJeefOe meceskeÀve keÀer keÀejCe yeleeSb ³eefo
keÀe osMe keÀes meceskeÀve kesÀ meceskeÀve kesÀ yeleeSb efJeefOe³eeW ceW Deblej meceskeÀve kesÀ #es$eeW
uesKeebkeÀve #es$e kesÀ efve³eecekeÀ #es$e kesÀ kesÀ keÀejCeeW keÀes ceW mes efkeÀmeer SkeÀ
Debleie&le Meeefceue Debleie&le Meeefceue mheä keÀjW #es$e kesÀ Debleie&le
efkeÀ³ee ie³ee nw. efkeÀ³ee ie³ee nw (neb/ meceskeÀve efkeÀ³ee
(neb/veneR) veneR) ie³ee nw.
mesvì yeQkeÀ nesce HeÀe³eveWme neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
efue./Yeejle efJeJejefCe³eeW keÀe S Sme -21 kesÀ Deeeqmle³eeb
Devegmeej meceskeÀve
mesvì yeQkeÀ HeÀeF&veWefMe³eue neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
mee|Jemespe efue. / Yeejle efJeJejefCe³eeW keÀe S Sme -21 kesÀ Deeeqmle³eeb
mesvìûe ceO³eheósMe ieé.yeQ. neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
eEíoJeeæ[e /Yeejle efJeJejefCe³eeW keÀe S Sme -23 kesÀ Deeeqmle³eeb
GÊej efyenej ieéceerCe neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
yeQkeÀ, cegpeHeÌHeÀjhegj/Yeejle efJeJejefCe³eeW keÀe S Sme -23 kesÀ Deeeqmle³eeb
GÊejyebiee #es$eer³e ieéceerCe neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
yeQkeÀ, ketÀ®eefyenej/ Yeejle efJeJejefCe³eeW keÀe S Sme -23 kesÀ Deeeqmle³eeb
Fv[es-peeeqcye³ee yeQkeÀ neb Deveg<ebefie³eeW keÀer efJeÊeer³e veneR uee.ve. uee.ve. peesefKece Yeeefjle
efueefceìs[/ peeeqcye³ee efJeJejefCe³eeW keÀe S Sme -23 kesÀ Deeeqmle³eeb
yeer. meceskeÀve keÀer uesKeebkeÀve SJeb efve³eecekeÀ oesveeW ner #es$e kesÀ Debleie&le meceskeÀve nsleg mJeerkeÀej ve efkeÀS ieS mecetn efvekeÀe³eeW keÀer met®eer
efvekeÀe³e keÀe veece/ efvekeÀe³e keÀer cetue leguevehe$e keÀer kegÀue FeqkeÌJeìer kegÀue FeqkeÌJeìer ceW efvekeÀe³e kesÀ hetbpeer meeOeveeW ceW legueve he$e keÀer kegÀue Deeeqmle³eeb
efveieceve keÀe osMe ieefleefJeefOe (efJeefOekeÀ efvekeÀe³e kesÀ uesKeebkeÀve yeQkeÀ keÀer Oeeefjlee yeQkeÀ kesÀ efveJesMeeW keÀe efve³eceve (efJeefOekeÀ efvekeÀe³e kesÀ uesKeebkeÀve
leguevehe$e ceW oMee&S Devegmeej) keÀe % leguevehe$e ceW oMee&S Devegmeej)
Ssmee keÀesF& efvekeÀe³e veneR
132
(ii) cee$eelcekeÀ he´keÀìerkeÀjCe :

meer. meceskeÀve nsleg mJeerkeÀej keÀer ieF& mecetn FkeÀeF³eeW keÀer met®eer
efvekeÀe³e keÀe veece/ efveieceve keÀe osMe efvekeÀe³e keÀer cetue ieefleefJeefOe leguevehe$e keÀer kegÀue FeqkeÌJeìer legueve he$e keÀer kegÀue Deeeqmle³eeb
(GÊeÀ (i)S.ceW oMee&S Devegmeej (efJeefOekeÀ efvekeÀe³e kesÀ uesKeebkeÀve (efJeefOekeÀ efvekeÀe³e kesÀ uesKeebkeÀve
leguevehe$e ceW oMee&S Devegmeej) ` leguevehe$e ceW oMee&S Devegmeej) `
efceefue³eve ceW efceefue³eve ceW
mesvì yeQkeÀ nesce HeÀe³eveWme efue./Yeejle kebÀheveer keÀe hećegKe GÎsM³e DeeJeeme 250 14001
$eÝCe heóeve keÀjvee nw.
mesvì yeQkeÀ HeÀeF&veWefMe³eue mee|Jemespe efue. / Yeejle keÀe@heexjsì ieénkeÀeW keÀes efveJesMe yeQeEkeÀie 50 428
Glheeo/mesJeeSb heóeve keÀjvee nw.
mesvìûe ceO³eheósMe ieéyeQ/Yeejle #es$eer³e ieéceerCe yeQkeÀ 2464 81453
GÊej efyenej ieéceerCe yeQkeÀ, cegpeHeÌHeÀjhegj/Yeejle #es$eer³e ieéceerCe yeQkeÀ 4545 178876
GÊejyebiee #es$eer³e ieéceerCe yeQkeÀ, ketÀ®eefyenej/ Yeejle #es$eer³e ieéceerCe yeQkeÀ 908 34892
*cee®e& 2019 kesÀ efueS GÊej yebiee #es$eer³e ieé.yeQ. SJeb GÊej efyenej ieé.yeQ. keÀe [eìe DeuesKeehejeref#ele nw.
[er. meYeer Deveg<ebefie³eeW ceW hetbpeer keÀer keÀceer keÀer kegÀue jeefMe, pees meceskeÀve ceW Meeefceue veneR nw DeLee&led pees IeìeF& ieF& nw leLee Ssmeer Deveg<ebefie³eeW kesÀ veece : efvejbkeÀ
F&. yeercee mebmLeeDeeW ceW yeQkeÀ kesÀ kegÀue efnmmes keÀer meceie´ jeefMe (GoenjCeeLe& Jele&ceeve yener cetu³e), pees peesefKece-Yeeefjlee Jeeues nw: efvejbkeÀ
SHeÀ. yeQeEkeÀie mecetn kesÀ Yeerlej efveefOe³eeW kesÀ Deblej ³ee efve³eecekeÀ hetbpeer hej keÀesF& heéfleyebOe ³ee ªkeÀeJeì: efvejbkeÀ
leeefuekeÀe -2: hetbpeer he³ee&hlelee

iegCeelcekeÀ he´keÀìerkeÀjCeë
(S) Jele&ceeve leLee YeeJeer ieefleefJeefOe³eeW keÀes meb®eeefuele keÀjves kesÀ efueS yeQkeÀ keÀer hetbpeer he³ee&hlelee kesÀ efveOee&jCe nsleg yeQkeÀ kesÀ ¢eqäkeÀesCe keÀer ®e®ee& keÀe meejebMe:
hetbpeer peesefKece DeeOeeefjle Deeeqmle Devegheele (meerDeejSDeej) keÀes Jeebefíle mlej hej yeveeS jKeves kesÀ efueS yeQkeÀ efve³eefcele ªhe mes mece³e-mece³e hej hetbpeer keÀer
DeeJeM³ekeÀlee keÀe cetu³eebkeÀve keÀjlee nw. J³eJemee³e Je=ef× leLee meerDeejSDeej keÀes O³eeve ceW jKe keÀj hetbpeer Dee³eespevee keÀer meceer#ee Jeee|<ekeÀ DeeOeej hej keÀer peeleer
nw.
yeQkeÀ ves $eÝCe peesefKece kesÀ efueS ceevekeÀerke=Àle ¢eqäkeÀesCe, heefj®eeueve peesefKece kesÀ efueS cetue mebkesÀlekeÀ ¢eqäkeÀesCe leLee yeepeej peesefKece kesÀ efueS ceevekeÀerke=Àle DeJeefOe
¢eqäkeÀesCe Dehevee³ee.
yeQkeÀ kesÀ heeme DeebleefjkeÀ hetbpeer he³ee&hlelee efveOee&jCe heéf¬eÀ³ee nw pees yeQkeÀ keÀes GmekesÀ J³eJemee³e he´#esheCe kesÀ mebyebOe ceW Deeves Jeeueer hetbpeer DeeJeM³ekeÀleeDeeW keÀer ³eespevee
kesÀ efueS leLee J³eJemee³e ceW efveefnle peesefKeceeW mes efveheìves kesÀ efueS me#ece yeveeleer nw. DeeF&meerSSheer he´³eeme keÀe hećegKe GÎsM³e nw Gve peesefKeceeW keÀer hen®eeve leLee
efveOee&jCe keÀjvee pees efheuej I ceW efJeefvee|oä v³etvelece hetbpeer Devegheele kesÀ Debleie&le hetjer lejn mes hekeÀæ[ ceW ve DeeSb, Ssmes peesefKece pees efheuej kesÀ lenle efyeukegÀue O³eeve
ceW ve ueer ieF& leLee pees yeQkeÀ kesÀ yeenjer IeìkeÀ nes leLee Fme he´keÀej kesÀ DeefleefjÊeÀ peesefKeceeW kesÀ efueS hetbpeer keÀe heéJeOeeve keÀjvee leLee yeQkeÀ kesÀ peesefKece heésHeÀeFue
kesÀ mebyebOe ceW DeebleefjkeÀ hetbpeer kesÀ Ghe³egÊeÀ mlej keÀes ceehevee. yeQkeÀ ves efheuej II kesÀ Debleie&le Deheves meerDeejSDeej hej heéfleketÀue oyeeJe kesÀ heÝeeJe keÀes ceeheves kesÀ efueS
mì^wme hejer#eCe veerefle ueeiet keÀer nw.
yeQkeÀ DeeF&meerSSheer keÀer meceer#ee efleceener DeeOeej hej keÀj jne nw.
yeQkeÀ ves hetbpeer he³ee&hlelee keÀer ieCevee kesÀ efueS veJeervelece ¢eqäkeÀesCe keÀer Deesj peeves nsleg henue keÀer nw, DeeOegefvekeÀ ¢eqäkeÀesCe keÀes Deheveeves kesÀ efueS henues mes ner yeQkeÀ
ves SkeÀ hejeceMe&oelee SJeb SkeÀ efmemìce Fbefìie´sìesj JeW[j keÀes efve³egÊeÀ efkeÀ³ee nw.
133
heefjceeCeelcekeÀ he´keÀìerkeÀjCe
(yeer) $eÝCe peesefKece kesÀ efueS hetbpeer-DeeJeM³ekeÀleeSb :
• ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve heesì&HeÀesefue³ees @9% ` 108555 efceefue³eve
• heéfleYetefle SkeÌmeheespej efvejbkeÀ
(meer) yeepeej peesefKece kesÀ efueS hetbpeer-DeeJeM³ekeÀleeSb:
• ceevekeÀerke=Àle DeeJeefOekeÀ ¢eqäkeÀesCe:
– y³eepe oj peesefKece - ` 9043 efceefue³eve
– efJeosMeer cegêe peesefKece (mJeCe& meefnle) - ` 41 efceefue³eve
– FeqkeÌJeìer peesefKece - ` 3679 efceefue³eve
([er) heefj®eeueve peesefKece kesÀ efueS hetbpeer-DeeJeM³ekeÀleeSb:

• cetue mebkesÀlekeÀ ¢eqäkeÀesCe ` 9222 efceefue³eve
(F&) meeceev³e FeqkeÌJeìer efì³ej 1, efì³ej 1 SJeb kegÀue hetbpeer Devegheele -
• meeceev³e FeqkeÌJeìer efì³ej 1 7.49%
• efì³ej 1 7.49%
• kegÀue hetbpeer Devegheele 9.61%
meeceev³e iegCeelcekeÀ he´keÀìerkeÀjCe keÀer DeeJeM³ekeÀlee

efveosMekeÀ ceb[ue keÀer SkeÀ meefceefle yeQkeÀ kesÀ efJeefJeOe peesefKece kesÀ Debleie&le peesefKece heýebOeve veerefle³eeW/ keÀe³e&heĆeeueer keÀe efve³eefcele ªhe mes DeJeueeskeÀve keÀjleer nw pewmes $eÝCe,
heefj®eeueve, yeepeej Deeefo, yeQkeÀ ves he´l³eskeÀ peesefKece kesÀ mecePeewles kesÀ efueS Meer<e& heýebOeleb$e keÀer efpemeceW DeO³e#e SJeb heýebOe efveosMekeÀ/ keÀe³e&heeuekeÀ meefceefle efveosMekeÀ keÀes
ìerce ceW Meeefceue keÀjles ngS Deueie meefceefle keÀe ieþve efkeÀ³ee nw, pewmes Deeeqmle³eeb os³elee heýebOeve meefceefle, $eÝCe veerefle meefceefle, heefj®eeueve peesefKece meefceefle. Fve meefceefle³eeW
Üeje efJeefYeVe yeQeEkeÀie heefj®eeueve kesÀ Debleie&le peesefKece mlej keÀe efveOee&jCe leLee cee@efveìeEjie keÀjves nsleg hetjs Je<e& efve³eefcele yewþkeWÀ keÀer peeleer nQ leLee peneb DeeJeM³ekeÀ nes,
Jeneb peesefKece keÀce keÀjves nsleg Gef®ele Ghee³e efkeÀS peeles nw.
kesÀvêer³e keÀe³ee&ue³e mlej hej peesefKece heýebOeve efJeYeeie kesÀ Meer<e&mLe cegK³e peesefKece DeefOekeÀejer (ceneheýebOekeÀ) nQ, pees efkeÀ yees[& Üeje efveOee&efjle ceeheob[ efve³eb$eCe leLee
peesefKece keÀer meercee kesÀ Deboj heýebOe keÀjevee nw leLee efJeefJeOe meefceefle³eeW Üeje efveOee&efjle peesefKece hewjeceerìj kesÀ meeLe Devegheeueve keÀjeles nw. ceneheýebOekeÀ keÀes mene³ekeÀ
ceneheýeOebkeÀ, cegK³e heýebOekeÀ, Jeefjÿ heýebOekeÀ SJeb heýeOebkeÀeW keÀer ìerce kesÀ meeLe Ghe ceneheýebOekeÀ Üeje men³eesie heóeve efkeÀ³ee peelee nw.
Deeb®eefuekeÀ keÀe³ee&ue³e SJeb #es$eer³e keÀe³ee&ue³e mlej hej ³es DeefYeefveOee&efjle peesefKece heýebOekeÀ, kesÀvêer³e keÀe³ee&ue³e kesÀ peesefKece heýebOeve efJeYeeie keÀer efJemleeefjle YegpeeDeeW kesÀ
ªhe ceW keÀe³e& keÀjWies.
yeQkeÀ ceW efJeefJeOe veerefle³eeb nw pewmes $eÝCe peesefKece heýebOeve veerefle³eeb, $eÝCe peesefKece v³etveerkeÀjCe leLee mebheee|éekeÀ heýebOeve veerefle, mecebefJele peesefKece heýebOeve veerefle, mì^wme ìsmì
veerefle, yeepeej DevegMeemeve SJeb he´keÀìerkeÀjCe veerefle, Debleme&cetn uesveosve SJeb efJemleej veerefle, heefj®eeueve peesefKece veerefle, SSueSce veerefle SJeb yeepeej peesefKece veerefle.
FmekesÀ DeueeJee, $eÝCe veerefle Meemeer $eÝCe keÀe³e&-he×efle kesÀ ye=Ëo ceeheob[, $eÝCe he´mleeJeeW kesÀ cetu³eebkeÀve SJeb cetu³eceeheve, he´l³ee³eesefpele heéefOekeÀejer kesÀ $eÝCe DeefOekeÀejeW,
he´keÀìerkeÀjCe ceeveob[, efJeJeskeÀhetCe& meerceeSb leLee $eÝCe heesì&HeÀesefue³ees omleeJespeerkeÀjCe keÀer efveiejeveer SJeb efve³eb$eCe hej efoMeeefveoxMe Yeer megJ³eJeeqmLele nw.
$eÝCe cee@efveìeEjie efJeYeeie kesÀ hećegKe ceneheýebOekeÀ nQ, pees $eÝCe heesì&HeÀesefue³ees, efJeMes<e GequueefKele KeeleeW keÀer hen®eeve SJeb GvekesÀ megOeejkeÀ Ghee³e keÀes cee@efveìj keÀjWies.
meer[erDeej heĆeeueer kesÀ Debleie&le KeeleeW kesÀ he´mebmkeÀjCe SJeb efveiejeveer kesÀ DeueeJee $eÝCe he´mleeJe keÀer meceer#ee Yeer efJeYeeie Üeje keÀer peeSieer.
yeQkeÀ ves Kegoje $eÝCe heĆeeueer kesÀ meeLe GOeejieéfnleeDeeW kesÀ efJeefJeOe Keb[eW kesÀ efueS jseEìie cee@[ue keÀer MegªDeele keÀer nw, pees efkeÀ keÀeGbìj ieénkeÀ kesÀ meeLe peesefKece keÀer
peeb®e keÀjleer nw leLee $eÝCe SJeb cetu³e efveOee&jCe ceW ceoo keÀjleer nw. yeæ[s $eÝCeer kesÀ ceeceues ceW $eÝCe peesefKece cetu³eebkeÀve cee@[ue keÀeGvìj ieénkeÀ kesÀ efJeÊeer³e peesefKece,
GÐeesie peesefKece, heýebOeve peesefKece leLee J³eJemee³e peesefKece keÀe cetu³eebkeÀve keÀjleer nw leLee he´l³eskeÀ Ssmes peesefKece keÀe he=LekeÀ ªhe mes cetu³eebkeÀve keÀjleer nw leLee efHeÀj meceie´
jseEìie, keÀeGvìj heeìea keÀes heóeve keÀer peeleer nw. megefJeOee jseEìie cee@[îetue Yeer jseEìie ìtue ceW ner GheueyOe nw. peneb cetue mebmLee mes meceLe&ve GheueyOe nw, jWeEìie ceW ³en Yeer
SkeÀ IeìkeÀ nw, ³eefo GOeejkeÀlee& keÀes keÀesheexjsì ieejbìer GheueyOe nw.
134
leeefuekeÀe [erSHeÀ - 3 : $eÝCe peesefKece : meYeer yeQkeÀeW kesÀ efueS meeceev³e he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCe
$eÝCe peesefKece
Devepe&keÀ :
efoveebkeÀ 20.07.2012 keÀes Deheves efjheesì& ceW yeQkeÀeW/efJeÊeer³e mebmLeeveeW Üeje DeefiećeeW keÀer mebj®evee hej efJeÐeceeve efJeJeskeÀhetCe& efoMeeefveoxMeeW keÀer meceer#ee keÀjves Jeeues
keÀe³e&jle mecetn ves ³en hee³ee nw efkeÀ Debleje&äêr³e uesKeebkeÀve ceevekeÀeW kesÀ Devegmeej Keeles, meeceev³ele³ee hegveme¥j®evee nsleg Ûeme kesÀ ªhe ceW J³eJenefjle nesles nw Deewj Devegceesove
keÀjles nw efkeÀ ³ener meceeve heéf¬eÀ³ee Yeejle ceW Yeer J³eJenefjle keÀer peeS. Yeejleer³e uesKeebkeÀve ceevekeÀ 109 efJeÊeer³e efueKeleeW ceW hen®eeve, iewj-hen®eeve, JeieeakeÀjCe Deewj
efJeÊeer³e efueKeleeW kesÀ ceehe kesÀ meeLe-meeLe Ûeme Deewj ye®eeJe uesKeebkeÀve keÀer Meeefceue nw.
Devepe&keÀ Deeeqmle³eeb Jen nw peneb $eÝCe ³ee Deefieće-
(i) efce³eeoer $eÝCe kesÀ mebyebOe ceW 90 efove mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS y³eepe Deewj/³ee cetueOeve keÀer efkeÀmle yekeÀe³ee jns;
(ii) 90 efoveeW kesÀ efueS Keelee Deefve³eefcele jns,
(iii) Kejeros ieS leLee YegveeS ieS efyeueeW kesÀ ceeceues ceW ³eefo efyeue 90 efove mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e jnlee nes,
(iv) ke=Àef<e kesÀ GÎsM³e mes mJeerke=Àle Deefieće kesÀ ceeceues ceW
S) DeuheeJeefOe HeÀmeue kesÀ ceeceues ceW cetueOeve keÀer efkeÀmle ³ee y³eepe oes HeÀmeue ceewmece lekeÀ Deefleos³e jnleer nes,
yeer) oerIee&JeefOe HeÀmeue kesÀ ceeceues ceW cetueOeve keÀer efkeÀmle ³ee y³eepe SkeÀ HeÀmeue ceewmeue lekeÀ Deefleos³e jnleer nes.
(v) efoveebkeÀ 1 HeÀjJejer 2006 kesÀ heéfleYeteflekeÀjCe hej peejer efoMeeefveoxMeeW kesÀ Devegmeej efkeÀS ieS heéfleYeteflekeÀjCe uesveosve kesÀ mebyebOe ceW lejuelee megefJeOee keÀer jeefMe 90
efove mes DeefOekeÀ kesÀ efueS yekeÀe³ee jnsieer.
(vi) [sefjFJesefìJe heefj®eeueve kesÀ mebyebOe ceW Deefleos³e heéeqhle³eeb [sefjJesefìJe mebefJeoe kesÀ mekeÀejelcekeÀ owefvekeÀ yeepeej cetu³e keÀes J³eÊeÀ keÀj jner nw ³eefo ³es Yegieleeve keÀer
efveOee&efjle le³e efleefLe mes 90 efoveeW keÀer DeJeefOe lekeÀ DeoÊe jnleer nw.
efoveebkeÀ 12 HeÀjJejer, 2018 keÀes YeeefjyeQ ves Deheves heefjhe$e ceW efoJeeefue³ee Deewj efoJeeefue³eeheve mebefnlee, 2018 keÀer DeefOeefve³ece keÀes O³eeve ceW jKeles ngS oyeeJeie´mle
Deeeqmle³eeW kesÀ meceeOeeve kesÀ efueS mebMeesefOele {eb®ee peejer efkeÀ³ee nw.
Deefve³eefcele:
keÀesF& Keelee leye ’Deefve³eefcele“ oMee&³ee peelee nw, peye yekeÀe³ee Mes<e ueieeleej mJeerke=Àle meercee/DeenjCe MeefÊeÀ mes DeefOekeÀ nes, ³eefo cetue heefj®eeueve Keeles ceW yekeÀe³ee
Mes<e mJeerke=Àle meercee, DeenjCe MeefÊeÀ mes DeefOekeÀ nes, ³eefo cetue heefj®eeueve Keeles ceW yekeÀe³ee Mes<e mJeerke=Àle meercee, DeenjCe MeefÊeÀ mes keÀce nes, hejbleg legueve-he$e keÀer
efleefLe keÀes ueieeleej 90 efoveeW lekeÀ keÀesF& pecee veneR nes ³ee Fme DeJeefOe ceW veeces y³eepe keÀes keÀJej keÀjves ³eesi³e he³ee&hle pecee ve nes.
Deefleos³e:
efkeÀmeer Yeer $eÝCe megefJeOee kesÀ Debleie&le yeQkeÀ keÀes os³e keÀesF& Yeer jeefMe Deefleos³e keÀnueeSieer, ³eefo Jen yeQkeÀ Üeje efveOee&efjle os³e efleefLe keÀes Deoe veneR keÀer peeleer nw.
$eÝCe peesefKece heýebOeve veerefle
yeQkeÀ ves yees[& Üeje Devegceesefole SkeÀ megmheä $eÝCe peesefKece veerefle keÀes Dehevee³ee nw, efpemekeÀer Jeee|<ekeÀ DeeOeej hej meceer#ee keÀer peeleer nw. ³en veerefle efvecveefueefKele #es$eeW ceW
keÀe³e& keÀjleer nw:
• $eÝCe peesefKece – efveOee&jCe, veerefle SJeb keÀe³e&veerefle
• peesefKece hen®eeve leLee ceeheve,
• peesefKece ÞesCeerkeÀjCe leLee meceskeÀerkeÀjCe,
• $eÝCe peesefKece jseEìie, ªhejsKee leLee efjheese\ìie
• peesefKece efve³eb$eCe leLee heesì&HeÀesefue³ees heýebOeve,
• v³etveerkeÀjCe lekeÀveerkeÀ,
• ue#³e yeepeej leLee Deee|LekeÀ ieefleefJeefOe³eeW kesÀ he´keÀej,
135
• $eÝCe Devegceesove heéefOekeÀejer,

• efkeÀmeer osMe ceW efkeÀmeer yeQkeÀ keÀe $eÝCe SJeb cegêe,
• heefjhekeÌJelee keÀe mJeªhe, efJeefJeOeerkeÀjCe keÀe mlej,
• DeLe&J³eJemLee keÀe ®e¬eÀer³e henuet,
• Dee@HeÀ yewueWme Meerì SkeÌmeheespej ceW $eÝCe peesefKece,
• $eÝCe peesefKece efveiejeveer heéf¬eÀ³eeSb
• Deblej yeQkeÀ SkeÌmeheespej ceW $eÝCe peesefKece heýebOeve,
• efkeÀmeer osMe ceW efkeÀmeer yeQkeÀ kesÀ $eÝCe leLee heefj®eeueve mecyebOeer ceeceues.
heefjceeCeelcekeÀ he´keÀìerkeÀjCe: (` efceefue³eve ceW)
(S) kegÀue mekeÀue $eÝCe peesefKece SkeÌmeheespej:
• efveefOe DeeOeeefjle*: 2799270
• iewj-efveefOe DeeOeeefjle: 257201
*yeQkeÀ, efveJesMe Fl³eeefo ceW vekeÀo Mes<e meefnle
yeer) SkeÌmeheespej keÀe YeewieesefuekeÀ mebefJelejCe:
• efJeosMeer 70
• Iejsuet 3056401
` efceefue³eve ceW ` efceefue³eve ceW ` efceefue³eve ceW
meer) GÐeesie keÀe veece efveefOe iewj-efveefOe efveJesMe
S. Keveve SJeb GlKeveve (S.1 + S.2) 4,889 1,135 0
S.1 keÀes³euee 1,629 905 0
S.2 Dev³e 3,260 230 0
yeer. KeeÐe he´mebmkeÀjCe (yeer.1 mes yeer.5 lekeÀ ) 65,507 6,695 4,954
yeer.1 ®eerveer 20,213 1,177 4,344
yeer.2 Jevemheefle lesue SJeb Jevemheefle 18,392 2,818 0
yeer.3 ®ee³e 1,155 15 1
yeer.4 keÀe@HeÀer 87 0 0
yeer.5 Dev³e 25,660 2,685 610
meer. hes³e (®ee³e SJeb keÀe@HeÀer kesÀ DeefleefjÊeÀ) SJeb lecyeeketÀ 3,748 52 0
meer.1 lecyeeketÀ SJeb lecyeeketÀ Glheeo 1,158 47 0
meer.2 Dev³e 2,590 5 0
[er. ìskeÌmeìeF&ue 51,763 15,081 2,108
[er.1 metleer 20,545 344 1,839
[er.2 petì 2,150 210 0
[er.3 ceeveJe-efvee|cele, efpeveceW 1,226 0 0
[er.4. Dev³e 27,843 14,527 269
[er ceW mes (DeLee&le, kegÀue keÀheæ[e ) keÀleeF& efceue keÀes 11,315 609 0
F&. ®eceæ[e SJeb ®eceæ[s kesÀ Glheeo 1,663 104 0
SHeÀ. uekeÀæ[er SJeb uekeÀæ[er kesÀ Glheeo 1,745 105 0
peer. keÀeiepe SJeb keÀeiepe kesÀ Glheeo 6,098 2,525 531
S®e. hesìêsefue³ece (iewj-FvHe´Àe), keÀes³euee Glheeo (iewj-Keveve) SJeb v³eteqkeÌue³ej F&Oeve 5,422 3,138 186
136

DeeF&. jmee³eve SJeb jmee³eve Glheeo ([eF&, heWì Fl³eeefo) (DeeF&1 mes DeeF&4 lekeÀ) 24,406 4,145 115
DeeF&.1 GJe&jkeÀ 5,276 49 0
DeeF&.2 [îme SJeb HeÀecee&m³etìerkeÀueme 7,424 760 94
DeeF&.3 hesìês kewÀceerkeÀume (yegefve³eeoer mebj®evee kesÀ Debleie&le) 787 73 0
DeeF&.4 Dev³e 10,919 3,262 20
pes. jyej hueeeqmìkeÀ SJeb GmekesÀ Glheeo 6,450 640 0
kesÀ. keÀeb®e SJeb keÀeb®e kesÀ meeceeve 317 23 0
Sue. meerceWì SJeb meerceWì kesÀ Glheeo 16,338 1,088 0
Sce. cetue Oeeleg SJeb Oeeleg kesÀ Glheeo (Sce.1 + Sce.2) 62,552 21,423 1,830
Sce.1 ueesne SJeb mìerue 40,776 10,049 1,089
Sce.2 Dev³e Oeeleg SJeb Oeeleg Glheeo 21,776 11,374 740
Sve. meYeer DeefYe³eeeE$ekeÀer (Sve.1 + Sve.2) 68,655 18,237 550
Sve.1 FueskeÌìê@efvekeÌme 36,846 833 202
Sve.1 Dev³e 31,810 17,404 347
Dees. Jeenve, Jeenve heeì& SJeb heefjJenve GhemkeÀj 17,851 3,193 173
heer. jlve SJeb DeeYet<eCe 23,093 4,260 0
keÌ³et. efvecee&Ce 48,746 11,513 2,812
Deej. yegefve³eeoer mebj®evee (S mes [er lekeÀ) 280,357 64,763 68,189
Deej.S. heefjJenve (S.1 mes S.6 lekeÀ) 97,059 12,476 13,811
Deej. S.1 jes[ SJeb efye´pe 64,746 10,998 11,211
Deej S.2 yebojieen 8,460 600 0
Deej S.3 DeebleoxMeer³e peueceeie& 1,078 0 2,600
Deej S.4 S³ejheesì& 6,663 0 0
Deej S.5 jsueJes ì^wkeÀ, ìveue, mesleg, efye´pe 12,944 800 0
Deej.S.6 Menjer meeJe&peefvekeÀ ³eelee³eele (Menjer jes[ ³eelee³eele kesÀ ceeceueeW ceW jeseEueie mìe@keÀ keÀes 3,168 78 0
íesæ[keÀj)
yeer. Tpee&(yeer1 mes yeer6 lekeÀ) 115,964 9,175 50,545
yeer.1 efJeÐegle (Glheeove) 84,205 5,760 6,943
yeer.1.1 kesÀvêer³e mejkeÀej meeJe&peefvekeÀ #es$e kesÀ Ghe¬eÀce 13,988 78 2,247
yeer.1.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 16,824 0 0
yeer.1.3 efvepeer #es$e 53,393 5,682 4,696
yeer.2 efJeÐegle (heefj®eeueve) 1,986 2,700 4,908
yeer.2.1 kesÀvê mejkeÀej kesÀ Ghe¬eÀce 884 2,700 4,908
yeer.2.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 0 0 0
yeer.2.3 efvepeer #es$e 1,102 0 0
yeer.3 efJeÐegle (efJelejCe) 6,635 715 38,694
yeer.3.1 kesÀvê mejkeÀej kesÀ Ghe¬eÀce 683 0 0
yeer.3.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 5,550 0 38,692
yeer.3.3 efvepeer #es$e 403 715 2
137

Deej.yeer.4 lesue heeFhe ueeF&ve 0 0 0
Deej.yeer.5 lesue/iewme/êJeªhe heéke=ÀeflekeÀ iewme (SueSvepeer) mebieńCe megefJeOee 23,138 0 0
Deej.yeer.6 iewme heeFhe ueeFve 0 0 0
Deej.meer. peue SJeb mJe®ílee (meer.1 mes meer.7) 10,577 0 0
Deej.meer.1 þesme DeheefMeä heýebOeve 114 0 0
Deej.meer.2 peue Deehete|le heeFhe ueeFve 0 0 0
Deej.meer.3 peue Megef×keÀjCe meb³eb$eeW 1,674 0 0
Deej.meer.4 meerJespe mebieńCe, Megef×keÀjCe Deewj efveheìeve heĆeeueer 6,290 0 0
Deej.meer.5 eEme®eeF& (yeebOe, venj, leìyebOe) 2,500 0 0
Deej.meer.6 letHeÀeveer peue efvekeÀemeer J³eJemLee 0 0 0
Deej.meer.7 efhe®íue heeFhe ueeFve 0 0 0
Deej.[er. meche´s<eCe ([er.1 mes [er.3) 10,263 31,732 542
Deej.[er.1 otj-meb®eej (efHeÀkeÌme[ vesìJeke&À) 6,304 2,335 542
Deej.[er.2 otj-meb®eej ìe@Jej 0 0 0
Deej.[er.3 otj-meb®eej SJeb ìsueerkeÀe@ce mesJeeSb 3,959 29,397 0
Deej.F&. meeceeefpekeÀ SJeb J³eeJemeeef³ekeÀ yegefve³eeoer mebj®evee (F&.1 mes F&.9) 24,087 100 0
Deej.F&.1 Mew#eefCekeÀ mebmLeeve (kewÀefheìue mìe@keÀ) 3,647 55 0
Deej.F&.2 ne@eqmheìue (kewÀefheìue mìe@keÀ) 1,152 0 0
Deej.F&.3 1 efceefue³eve mes DeefOekeÀ pevemebK³ee Jeeues MenjeW kesÀ yeenj eqmLele leerve-mìej DeLeJee 2,150 0 0
G®®e ÞesCeer ceW Jeieeake=Àle nesìue
Deej.F&.4 DeewÐeesefiekeÀ heeke&À, mespe, he³e&ìve megefJeOeeDeeW SJeb ke=Àef<e yeepeej kesÀ efueS meceeve 16,711 45 0
yegefve³eeoer mebj®evee
Deej.F&.5 GJe&jkeÀ (hetbpeer efveJesMe) 0 0 0
Deej.F&.6 keÀesu[ mìesjspe meefnle ke=Àef<e SJeb yeeieJeeveer GlheeoeW kesÀ efueS keÀìeF& he½eele mìesjspe 426 0 0
nsleg yegefve³eeoer mebj®evee
Deej.F&.7 ìe|ceveue ceekexÀì 0 0 0
Deej.F&.8 efceÆer heefj#eCe he´³eesieMeeuee 0 0 0
Deej.F&. keÀesu[ Þe=bKeuee 0 0 0
Deej.SHeÀ. Dev³e,³eefo keÀesF& nes, ke=Àhe³ee GuuesKe keÀjW 22,407 11,279 3,291
Sme. Dev³e GÐeesie, ke=Àhe³ee GuuesKe keÀjW 201,216 33,741 415
meYeer GÐeesie (S mes Sme lekeÀ) 890,819 191,862 81,863
DeJeefMeä Dev³e Deefieće (kegÀue Deefieće mes efceueeve kesÀ efueS) 1,183,839 98,675 102,304
kegÀue 2,074,657 290,537 184,167
kegÀue SkeÌmeheespej kesÀ 5% mes DeefOekeÀ Jeeues SkeÌmeheespej
efJeÊe heesef<ele iewj efJeÊe heesef<ele efveJesMe
yegefve³eeoer mebj®evee 280,357 64,763 68,189
Tpee& 115,964 9,175 50,545
138
([er) Deeeqmle³eeW keÀe DeJeefMeä mebefJeoelcekeÀ heefjhekeÌJelee mebyebOeer efJeMues<eCe :

1 efove : 556991
02 efoveeW mes 07 efoveeW lekeÀ: 34928
31 efoveeW mes 2 cenerveeW lekeÀ: 41633
2 cenerveeW mes DeefOekeÀ, hejbleg 3 cenerveeW lekeÀ: 68264
1 Je<e& mes DeefOekeÀ, hejbleg 3 Je<e& lekeÀ: 788570
3 Je<e& mes DeefOekeÀ, hejbleg 5 Je<e& lekeÀ: 203718
5 Je<e& mes DeefOekeÀ : 600491
kegÀue 2589433
(F&) Devepe&keÀ Deeeqmle³eeW keÀer jeefMe (mekeÀue) -
59231
• DeJeceevekeÀ
77052
• mebefoiOe 1
• mebefoiOe 2 99752
• mebefoiOe 3 61205
• neefve 26320
(SHeÀ) efveJeue Devepe&keÀ Deeeqmle³eeb 173779
(peer) Devepe&keÀ Deeeqmle³eeW keÀe Devegheele
• mekeÀue DeefiećeeW keÀer leguevee ceW mekeÀue Devepe&keÀ Deeeqmle³eeb 21.48%
• efveJeue DeefiećeeW keÀer leguevee ceW efveJeue Devepe&keÀ Deeeqmle³eeb 11.10%

(S®e) Devepe&keÀ Deeeqmle³eeW (mekeÀue) ceW meb®eueve
381307
• heéjeqcYekeÀ Mes<e
• heefjJeOe&ve 103286
• keÀefce³eeb 161033
• Devepe&keÀ Deeeqmle³eeb (mekeÀue) 323560
(DeeF&) Devepe&keÀ Deeeqmle³eeW kesÀ heéJeOeeveeW ceW heefjJele&ve
196013
• heéjeqcYekeÀ Mes<e
124716
• DeJeefOe kesÀ oewjeve efkeÀ³ee ie³ee heéJeOeeve
• yeÆe Keelee ----
• DeJeefueKele DeefleefjÊeÀ heéJeOeeve 121393
• Fefle Mes<e 199336
(pes) Devepe&keÀ efveJesMe keÀer jeefMe 15469
(kesÀ) Devepe&keÀ efveJesMe kesÀ efueS Oeeefjle heéJeOeeve keÀer jeefMe 13336
139
(Sue) efveJesMe hej heéJeOeeve/cetu³eÛeme ceW heefjJele&ve:

• heéjeqcYekeÀ Mes<e 26631
• Fme DeJeefOe kesÀ oewjeve efkeÀ³ee ie³ee heéJeOeeve 25616
• yeÆe Keelee efvejbkeÀ
• DeJeefueKele DeefleefjÊeÀ heéJeOeeve 13035
• Fefle Mes<e 39212
leeefuekeÀe [erSHeÀ - 4 $eÝCe peesefKece: ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve heesì&HeÀesefue³ees kesÀ efue³es he´keÀìerkeÀjCe
(S) Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeevegmeej $eÝCe peesefKece kesÀ efue³es hetbpeer heÝeej keÀer ieCevee nsleg yeQkeÀ ves ceevekeÀerke=Àle ¢eqäkeÀesCe keÀes Dehevee³ee nw, ³es efoMeeefveoxMe
efJeefYeVe Deeeqmle JeieeakeÀjCe kesÀ efue³es Deueie-Deueie peesefKece Yeeefjlee heóeve keÀjles nQ, efpevnW efJeefOeJele ªhe mes ueeiet efkeÀ³ee ie³ee nw.
(yeer) yeQkeÀ ves meele yee¿e $eÝCe jseEìie Speseqvme³eeW ³eLee, ef¬eÀefmeue efue. kesÀ³ej, F¬eÀe efue., Fbef[³ee jseEìie SJeb efjme®e& heé.efue. mecesje SJeb efye´keÀJeke&À keÀes Deheves ieénkeÀeW kesÀ
$eÝCeeW keÀes jseEìie nsleg DeefYeef®eeqvnle efkeÀ³ee nw.
meer) ³es Speseqvme³eeb meYeer efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle SkeÌmeheespej keÀer jseEìie keÀjleer nQ, Fve Speseqvme³eeW Üeje yeQkeÀ kesÀ ieénkeÀeW keÀes heóÊe jseEìie, peesefKece
Yeeefjlee efveOee&efjle keÀjves kesÀ efue³es mJeerkeÀej keÀer peeleer nQ.
([er) keÀe@heexjsì kesÀ efkeÀmeer efJeefMeä efveie&ceeW ceW yeQkeÀ kesÀ efveJesMe kesÀ ceeceues ceW, jseEìie SpeWmeer keÀer efveie&ce efJeefMeä jseEìie keÀes Yeeefjlee keÀer ieCevee ceW efue³ee peeSiee..
heefjceeCeelcekeÀ he´keÀìerkeÀjCe: ` efceefue³eve ceW
(yeer) ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve peesefKece v³etveerkeÀjCe kesÀ he½eele SkeÌmeheespej jeefMe kesÀ efue³es, yeQkeÀ keÀer yekeÀe³ee (ÞesCeerke=Àle leLee
DeÞesCeerke=Àle) jeefMe leLee Jes, efpeveceW keÀìewleer keÀer peeleer nw, efvecve leerve peesefKece ÞesefCe³eeW ceW efvecveJele nw:
• 100% peesefKece Yeeefjlee mes keÀce : 2397017
• 100% peesefKece Yeeefjlee 322358
• 100% peesefKece Yeeefjlee mes DeefOekeÀ 337097
• IeìeF& ieF& jeefMe - meerDeejSce 129551
leeefuekeÀe [erSHeÀ-5 : $eÝCe peesefKece v³etveerkeÀjCe: ceevekeÀerke=Àle ¢eqäkeÀesCe 1 kesÀ efue³es he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCe:
• mebheee|éekeÀ cetu³eebkeÀve SJeb heýebOeve kesÀ efue³es veerefle³eeb SJeb heéf¬eÀ³ee³eW;
yeQkeÀ kesÀ heeme megheefjYeeef<ele $eÝCe peesefKece v³etveerkeÀjCe leLee mebheee|éekeÀ heýebOeve veerefle nw, vekeÀoer leLee vekeÀoerlegu³e heéfleYetefle³eeb, Yetefce SJeb YeJeve leLee meb³eb$e SJeb
ceMeervejer Fl³eeefo yeQkeÀ Üeje mJeerkeÀej keÀer peeves Jeeueer hećegKe mebheee|éekeÀ nQ.
• yeQkeÀ Üeje ueer peeves Jeeueer hećegKe mebheee|éekeÀ keÀe efJeJejCe;
yeQkeÀ Üeje, J³eefÊeÀiele ieejbefì³eeb, keÀe@heexjsì ieejbefì³eeb leLee Meemeve SJeb yeQkeÀeW Üeje peejer ieejbefì³eeb mJeerkeÀej keÀer peeleer nQ. veerefle efoMeeefveoxMeeW kesÀ Devegmeej,
mebheee|éekeÀ heéfleYetefle³eeW keÀe cetu³eebkeÀve efve³eefcele Deblejeue ceW Gef®ele yeepeej cetu³e hej efkeÀ³ee peelee nw.
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMe, $eÝCe peesefKece v³etveerkeÀjCe kesÀ he´³eespeve kesÀ efueS efJeefYeVe he´keÀej efJeÊeer³e mebheee|éekeÀ keÀe DeefYeefveOee&jCe keÀjles nQ, meeLe ner,
³es efoMeeefveoxMe ieejbìer keÀes SkeÀ $eÝCe peesefKece v³etveerkeÀjCe kesÀ ªhe ceW ceev³elee heóeve keÀjles nQ Fme he´keÀej kesÀ lelJeeW keÀe helee ueieeves kesÀ efue³es yeQkeÀ ves Gef®ele
veerefleiele Ghee³e efkeÀ³es nQ.
(yeer) ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ Debleie&le $eÝCe peesefKece heesì&HeÀesefue³ee kesÀ Debleie&le he´keÀìerkeÀjCe kesÀ efue³es, kegÀue SkeÌmeheespej keÀJej efkeÀ³ee ie³ee nw:
• ns³ejkeÀìdme Deveghe´³eesie kesÀ yeeo; hee$e efJeÊeer³e mebheee|éekeÀ-
• efveefOe DeeOeeefjle 108956
• iewj-efveefOe DeeOeeefjle 20595
140
leeefuekeÀe [erSHeÀ -6 : heéfleYeteflekeÀjCe: ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ efue³es he´keÀìerkeÀjCe

iegCeelcekeÀ he´keÀìerkeÀjCeë
efvejbkeÀ
yeQeEkeÀie yener
([er) yeQkeÀ Üeje heéfleYeteflele SkeÌmeheespej keÀer kegÀue jeefMe. efvejbkeÀ
(F&) SkeÌmeheespej he´ke=Àefle Üeje efJeKebef[le Jele&ceeve DeJeefOe, (DeLee&led ¬esÀef[ì keÀe[&, DeeJeeme $eÝCe, Dee@ìes $eÝCe Fl³eeefole Deblee|veefnle heéfleYetefle) ceW
ef®eeqÔvele SkeÌmeheespej heéfleYeteflele neefve³eeb efvejbkeÀ
(SHeÀ) SkeÀ Je<e& kesÀ Yeerlej Deeeqmle³eeW keÀer jeefMe keÀes heéfleYeteflele efkeÀS peeves keÀer cebMee. efvejbkeÀ
(peer) Ghe³eg&ÊeÀ (SHeÀ), ceW mes heéfleYeteflekeÀjCe kesÀ hetJe& SkeÀ Je<e& kesÀ Yeerlej me=efpele keÀer ieF& Deeeqmle³eeW keÀer jeefMe efvejbkeÀ
(S®e) heéfleYeteflele SkeÌmeheespej (SkeÌmeheespej kesÀ he´keÀej Üeje) keÀer kegÀue jeefMe leLee SkeÌmeheespej he´keÀej Üeje efye¬eÀer hej iewj DeefYeef®eeqÔvele ueeYe ³ee
neefve³eeb efvejbkeÀ
(DeeF&) efvecve keÀer mecesefkeÀle jeefMe :
- jeskesÀ ieS DeLeJee Kebef[le mJeªhe ceW ¬eÀ³e efkeÀS ieS, legueve he$e heéfleYeteflekeÀjCe SkeÌmeheespej, SJeb- efvejbkeÀ
- SkeÌmeheespej ìeFhe Üeje efJeKebef[le legueve he$e Flej heéfleYeteflekeÀjCe SkeÌmeheespej efvejbkeÀ
(pes) jeskeÀer ieF& DeLeJee ¬eÀ³ee keÀer ieF& leLee mene³ekeÀ hetbpeer heÝeejeW kesÀ yeer®e efJeYeeefpele efkeÀ³ee ie³ee Deewj he´l³eskeÀ efJeefve³eecekeÀ hetbpeer ¢eqäkeÀesCe kesÀ
efueS efJeefYeVe peesefKece Yeeefjlee mecetneW ceW efJeYeeefpele, Ssmeer heéfleYeteflekeÀjCe SkeÌmeheespej keÀer mecesefkeÀle jeefMe. efvejbkeÀ
Ssmes SkeÌmeheespej, efpevnW efì³ej I hetbpeer mes hetCe&le: Ieìe³ee ie³ee nw, kegÀue hetbpeer mes Je=efÜiele $eÝCe DeeF&/Dees keÀes Ieìe³ee ie³ee leLee kegÀue hetbpeer kesÀ Dev³e
SkeÌmeheespejeW keÀes Ieìe³ee ie³ee (SkeÌmeheespej he´keÀej Üeje) efvejbkeÀ
ì^seE[ie yener :
(kesÀ) yeQkeÀ Üeje heéfleYeteflele mecesefkeÀle SkeÌmeheespej jeefMe, efpemekesÀ efueS yeQkeÀ ves kegÀí SkeÌmeheespej jeskesÀ jKes nQ SJeb pees SkeÌmeheespej ìeFhe Üeje
yeepeej peesefKece ¢eqäkeÀesCe kesÀ DeOeerve nQ, efvejbkeÀ
(Sue) efvecve keÀer meceie´ jeefMe :
- jeskesÀ ieS DeLeJee Kebef[le mJeªhe ceW ¬eÀ³e efkeÀS he´keÀej kesÀ, legueve he$e heéfleYeteflekeÀjCe SkeÌmeheespej, SJeb efvejbkeÀ
- SkeÌmeheespej ìeFhe Üeje efJeKebef[le legueve he$e Flej heéfleYeteflekeÀjCe SkeÌmeheespej efvejbkeÀ
(Sce) efvecve kesÀ efueS he=LekeÀ mes jeskesÀ DeLeJee ¬eÀ³e efkeÀS ieS heéfleYeteflekeÀjCe keÀer kegÀue jeefMe :
- efJeefMeä peesefKece kesÀ efueS J³eehekeÀ peesefKece Ghee³e kesÀ DeOeerve jeskesÀ DeLeJee ¬eÀ³e efkeÀS ieS heéfleYeteflekeÀjCe SkeÌmeheespej leLee : efvejbkeÀ
- efJeefYeVe peesefKeceeW kesÀ efJeefYeVe Yeeefjle mecetneW ceW efJeKebef[le heéfleYeteflekeÀjCe SkeÌmeheespej efvejbkeÀ
(Sve) efvecve keÀer meceie´ jeefMe :
- efJeefYeVe peesefKece Yeeefjle mecetneW ceW efJeKebef[le heéfleYeteflekeÀjCe {eb®es kesÀ DeOeerve heéfleYeteflekeÀjCe SkeÌmeheespej kesÀ efueS Dehesef#ele hetbpeer efvejbkeÀ
- Ssmes SkeÌmeheespej, efpevnW efì³ej I hetbpeer mes hetCe&le: Ieìe³ee ie³ee nQ, kegÀue hetbpeer mes Je=efÜiele $eÝCe DeeF& /Dees keÀes Ieìe³ee ie³ee leLee kegÀue hetbpeer kesÀ
Dev³e SkeÌmeheespejeW mes Ieìe³ee ie³ee (SkeÌmeheespej he´keÀej Üeje) efvejbkeÀ
141
leeefuekeÀe [erSHeÀ -7 : ì^seE[ie yener ceW yeepeej peesefKece

yeQkeÀ kesÀ heeme megmheä yeepeej peesefKece heýebOeve veerefle nw. pees yeepeej peesefKece heýebOeve kesÀ cenlJehetCe& #es$eeW keÀes keÀJej keÀjleer nw.
yeQkeÀ, yeepeej oj peesefKece keÀes J³eeheej-heéf¬eÀ³ee ceW ieefleefJeefOe³eeW efJeMes<e ªhe mes, y³eepe ojeW ceW heefjJele&ve, efJeefvece³e ojeW leLee FeqkeÌJeìer SJeb heC³e cetu³eeW ceW heefjJele&ve mes
legueve he$e leLee leguevehe$e yee¿e eqmLeefle³eeW ceW neefve nesves keÀer peesefKece kesÀ ªhe ceW heefjYeeef<ele keÀjlee nw.
yeepeej peesefKece kesÀ efueS Yeejleer³e efjpeJe& yeQkeÀ Üeje efveOee&efjle hetbpeer keÀer DeeJeM³ekeÀlee kesÀ ceeheve nsleg yeQkeÀ ves ceevekeÀ DeJeefOe ¢eqäkeÀesCe keÀes Dehevee³ee nw.
yeepeej peesefKece kesÀ heýebOeve kesÀ efueS veerefle³eeb:
yeQkeÀ ves yeepeej peesefKece kesÀ heÝeeJeer heýebOeve kesÀ efueS yees[& Üeje Devegceesefole yeepeej peesefKece heýebOeve veerefle ueeiet keÀer nw. SkeÀerke=Àle ì^spejer veerefle Deewj Deeeqmle os³elee
heýebOeve veerefle Ssmeer Dev³e veerefle³eeb nw pees yeepeej peesefKece heýebOeve mes mebyebefOele nw.
veerefle³eeW ceW efJeefYeVe efJeJeskeÀmeccele SkeÌmeheespej meercee efveOee&efjle keÀer ieF& nw, pees ³en megefveeq½ele keÀjleer nw efkeÀ mecegef®ele yeepeej peesefKece heýebOeve SJeb Deeeqmle os³elee heýebOeve
kesÀ peefjS yeepeej peesefKece kesÀ mece#e yeQkeÀ keÀes Dehesef#ele heéfleHeÀue heéhle keÀjves kesÀ efueS heefj®eeueve ³eLeeeqmLeefle ceW nw.
Deeeqmle-os³eleeSb heýebOeve :
SSueSce veerefle, SSueSce heéf¬eÀ³ee keÀer SkeÀ ªhejsKee nw. yeQkeÀ kesÀ leguevehe$e ceW efJeÊeer³e peesefKece kesÀ efJeefYeVe mlejeW kesÀ SkeÌmeheespej keÀe efceÞeCe nw. yeQkeÀ keÀe ue#³e Deheveer
ueeYeheólee keÀes DeefOekeÀlece keÀjvee nw, hejvleg Fmes Fme lejerkesÀ mes efkeÀ³ee ie³ee, efpememes yeQkeÀ keÀes peesefKece kesÀ Gve Del³eefOekeÀ mlejeW keÀe meecevee ve keÀjvee heæ[s, pees
DevleleesieleJee ueeYeheólee hej heÝeeJe [eueles nQ. ³en veerefle, peesefKece meercee kesÀ hećegKe Ghee³eeW kesÀ efueS, Gve meerceeDeeW keÀes heefjYeeef<ele keÀjleer nw, pees efJeMes<e ªhe mes yeQkeÀ
keÀer SkeÀcesJe Mes<ejeefMe – veerefleiele efoMee leLee peesefKece he´JeefÊe kesÀ mecee³eespeve kesÀ efueS yeveeF& ieF& nw.
lejuelee peesefKece:
lejuelee peesefKece keÀe heýebOe Deeeqmle³eeW leLee os³eleeDeeW keÀer DeJeefMeä heefjhekeÌJelee/eqmLeefle hej DeeOeeefjle Deblej efJeMues<eCe kesÀ ceeO³ece mes efkeÀ³ee peelee nw. yeQkeÀ efve³eefcele
ªhe mes SuemeerDeej efjìvme& he´mlegle keÀj jner nw SJeb DeekeÀeqmcekeÀ efveefOe J³eJemLee ³eespevee Yeer ceewpeto nw. yeQkeÀ keÀer kegÀMeue DeeeqmÊe os³elee heýebOeve lejuelee heésHeÀeFue
nsleg efJeefYeVe DeJeefMeä heefjhekeÌJelee efveOee&jCe DeJeefOe kesÀ efueS efJeJeskeÀmeccele meerceeSb efveOee&efjle keÀer ieF& nw. FvnW efJeefYeVe lejuelee DevegheeleeW kesÀ ceeO³ece mes Yeer yeQkeÀ keÀer
lejuelee heésHeÀeFue keÀer peeb®e keÀer peeleer nw.
y³eepe oj peesefKece :
y³eepe oj peesefKece keÀe heýebOe oj-mebJesoer Deeeqmle³eeW SJeb os³eleeDeeW kesÀ Deblej efJeMues<eCe mes efkeÀ³ee peelee nw SJeb efJeJeskeÀmeccele meerceeDeeW kesÀ Üeje FvekeÀer efveiejeveer keÀer
peeleer nw. FeqkeÌJeìer kesÀ Deee|LekeÀ cetu³e SJeb Meg× y³eepe Dee³e hej heÝeeJe kesÀ cetu³eebkeÀve nsleg y³eepe oj ceW efJeheefjle heefjJele&ve kesÀ meehes#e Yeer yeQkeÀ peesefKece keÀe DeeJeefOekeÀ
heékeÌkeÀueve keÀjlee nw
yeepeej peesefKece nsleg hetbpeer keÀer DeeJeM³ekeÀlee hetbpeer heÝeej (` efceefue³eve ceW)
y³eepe oj keÀe peesefKece `9043
FeqkeÌJeìer keÀe eqmLeefle- peesefKece `3679
efJeosMeer cegêe keÀe peesefKece `41
³eesie `12,763
leeefuekeÀe [erSHeÀ -8 : heefj®eeueve peesefKece

heefj®eeueve peesefKece, neefve³eeW mes mebyebefOele peesefKece nw, pees yeenjer IeìveeDeeW mes DeLeJee DeebleefjkeÀ heéf¬eÀ³ee, J³eefÊeÀ³eeW leLee heĆeeefue³eeW keÀer efJeHeÀuelee DeLeJee Dehe³ee&hlelee
mes he´keÀì nesleer nw. heefj®eeueve peesefKece ceW efJeefOe peesefKece Meeefceue neslee nw, hejbleg FmeceW veerefleiele SJeb heéfleÿe peesefKece Meeefceue veneR nesles. yeQkeÀ ceW heefj®eeueve peesefKece
heýebOeve kesÀ yeejs ceW ceeie&oMe&ve osves kesÀ efueS megmheä heefj®eeueve peesefKece heýebOeve veerefle GheueyOe nw, efpemekeÀer he´l³eskeÀ Je<e& meceer#ee keÀer peeleer nw. yeQkeÀ ves heefj®eeueve
peesefKece kesÀ lenle mecegVele oMee ceW hengb®eves kesÀ efueS Deheves Deehe keÀes me#ece yeveeves nsleg DevegketÀue mekeÀejelcekeÀ keÀoce GþeS nQ leLee neefve DeebkeÀæ[e heýebOeve, peesefKece
SJeb efve³eb$eCe mJe-cetu³eebkeÀve (DeejmeerSmeS), hećegKe peesefKece mebkesÀlekeÀeW (kesÀDeejDeeF&) SJeb heefjeqmLe³eeW kesÀ efJeMues<eCe kesÀ ceeO³ece mes heefj®eeueve peesefKece neefve keÀer
IeìveeDeeW mes mebyebefOele DeebkeÀæ[eW keÀe mebieńCe keÀjvee heéjbYe keÀj efo³ee nw. yeQkeÀ yee¿e neefve [eìe DeeOeej kesÀ efueS neefve [eìe kebÀmeese|ì³ece ’keÀesj[skeÌme“ keÀe meom³e
Yeer nw.
yeQkeÀ ves S[Jeebme cespejceWì Sheés®e Deheveeves kesÀ efueS hejeceMe&oelee SJeb efmemìce Fbefìie´sìj efve³egÊeÀ efkeÀ³ee nw.
yeQkeÀ ves cetue mebkesÀlekeÀ mebkeÀuhevee kesÀ Devegmeej heefj®eeueve peesefKece nsleg hetbpeer GheueyOe keÀjeF& nw. leovegmeej, efoveebkeÀ 31.03.2019 keÀes heefj®eeueve peesefKece kesÀ efueS `
9222 efceefue³eve hetbpeer keÀer DeeJeM³ekeÀlee nw.
142
leeefuekeÀe [erSHeÀ -9 : yeQeEkeÀie yener ceW y³eepe oj peesefKece (DeeF&DeejDeejyeeryeer)

y³eepe oj peesefKece keÀe ceeheve SJeb efveiejeveer keÀjves keÀer oes he×efle³eeb nQ :
1. peesefKece hej Dee³e (hejchejeiele Deblej efJeMues<eCe)
Fme he×efle kesÀ Debleie&le Meg× y³eepe Dee³e hej y³eepe ojeW ceW heefjJele&ve kesÀ heÝeeJe keÀe efJeMues<eCe efkeÀ³ee peelee nw Deewj ³eeru[ keÀJe& he×efle mes FmekeÀer ieCevee keÀer
peeleer nw. Fme he×efle kesÀ Debleie&le 1% keÀe meceeveevlej DeblejCe, DeeeqmleDeeW SJeb os³eleeDeeW oesveeW ceW ner ceeve efue³ee peelee nw.
2. FeqkeÌJeìer keÀe Deee|LekeÀ cetu³e:
FeqkeÌJeìer keÀer mebMeesefOele DeJeefOe heéhle keÀjves kesÀ efueS Deeeqmle³eeW SJeb os³eleeDeeW keÀer mebMeesefOele DeJeefOe keÀe Deueie mes heefjkeÀueve efkeÀ³ee peelee nw. FeqkeÌJeìer kesÀ
Deee|LekeÀ cetu³e keÀer ieCevee kesÀ efueS ³eeru[ keÀJe& ceW 200 yesefmeme heeFbì keÀe meceeveevlej DeblejCe ceeve efue³ee peelee nw.
heefjJele&ve kesÀ hewjeceerìj ` efceefue³eve ceW
1. meceie´ Deeeqmle SJeb os³elee keÀer y³eepe oj ceW 100 yeerheerSme keÀer Je=ef× hej Dee³e hej heÝeeJe 2601
2. FeqkeÌJeìer keÀe yeepeej cetu³e : 200 yeerheerSme keÀe heefjJele&ve 7563
leeefuekeÀe [erSHeÀ-10 : heéflehe#eer³e meeKe peesefKece mes mebyebefOele $eÝCe kesÀ efueS meeceev³e he´keÀìerkeÀjCe
(S) yeQkeÀ heéflehe#eer³e $eÝCeeW kesÀ efueS hetbpeer he³ee&hlelee, Deeeqmle iegCeJeÊee, Dee³e Gheepe&ve, lejuelee SJeb heýebOeve iegCeJeÊee kesÀ DeeOeej hej $eÝCeer meercee keÀe efveOee&jCe
keÀjlee nw.
yeQkeÀ keÀer yeepeej peesefKece heýebOeve veerefle De®íer lejn mes heefjYeeef<ele nw.
yeQkeÀ efJeefJeOe [sefjJesefìJe GlheeoeW SJeb y³eepe oj mJeehe ceW J³eJenej keÀjlee nw. yeQkeÀ Deheveer legueve-he$e ceoeW, meeLe ner J³eJemee³e GÎsM³e mes ye®eeJe-J³eJemLee nsleg
[sefjJesefìJe GlheeoeW keÀe he´³eesie keÀjlee nw.
cee$eelcekeÀ he´keÀìerkeÀjCe ` efceefue³eve ceW
efJeJejCe jeefMe
(yeer) mebefJeoe keÀe mekeÀue mekeÀejelcekeÀ cetu³e 450
Meg× ueeYe 0
Meg× ®eeuet meeKe $eÝCe 450
mebheee|éekeÀ heéfleYetefle 0
Meg× [sefjJesefìJe $eÝCe SkeÌheespej 1516
(meer) ` efceefue³eve ceW
ceo Jele&ceeve $eÝCe
keÀeuHeefvekeÀ jeefMe SkeÌmeHeespej
HeÀejJe[& efJeosMeer efJeefvece³e mebefJeoe 35851 1122
¬eÀeme keÀjWmeer y³eepe ojmJeehe meefnle ¬eÀeme keÀjWmeer mJeehe 3442 381
y³eepe oj mebefJeoeSb 500 13
143
leeefuekeÀe [erSHeÀ-11: hetbpeer keÀe meb³eespeve

Yeeie II: efoveebkeÀ 31 cee®e&, 2019 mes Ghe³eesie efkeÀS peeves kesÀ efueS ìscheuesì
efoveebkeÀ 31 cee®e&, 2019 mes Ghe³eesie efkeÀS peeves kesÀ efueS yeemeue III meeceev³e he´keÀìerkeÀjCe ìscheuesì meboYe& meb.
meeceev³e FeqkeÌJeìer ìer³ej 1 hetbpeer : efueKele SJeb heéJeOeeve ` efceefue³eve ceW
1 he´l³e#e efveie&efcele Den&keÀ meeceev³e Mes³ej hetbpeer SJeb mebyebefOele mìe@keÀ DeefOeMes<e (Mes³ej heérefce³ece) 40472 S1
2 heéfleOeeefjle Gheepe&ve -161946
3 mebef®ele Dev³e J³eehekeÀ Gheepe&ve (SJeb Dev³e heéjef#ele efveefOe) 295825
4 he´l³e#e efveie&efcele hetbpeer pees meerF&ìer 1 mes yeenj keÀer ieF& (kesÀJeue iewj-meb³egÊeÀ mìe@keÀ kebÀheefve³eeW 1 nsleg ueeiet) 0
5 Deveg<ebefie³eeW Üeje peejer SJeb le=leer³e he#e Üeje jKeer ieF& meeceev³e Mes³ej hetbpeer (meerF&ìer 1 mecetn ceW Devegcele jeefMe) 0
6 efJeefve³eecekeÀ mecee³eespeve mes henues meeceev³e FeqkeÌJeìer ìer³ej-1 hetbpeer 174351
meeceev³e FeqkeÌJeìer ìer³ej 1 hetbpeer : efJeefve³eecekeÀ mecee³eespeve
7 efJeJeskeÀmeccele cetu³eebkeÀve mecee³eespeve 0
8 ieg[efJeue (mebyebefOele Meg× keÀj os³elee) 0
9 Decetle& (mebyebefOele Meg× keÀj os³elee) 0
10 DeemLeefiele keÀj Deeeqmle 0
11 vekeÀo-he´Jeen ye®eeJe heéjef#ele 0
12 Dehesef#ele neefve³eeW kesÀ heéJeOeeveeW ceW keÀceer 0
13 efJe¬eÀ³e hej heéfleYetefle Je=ef× 0
14 Meg× cetu³eebefkeÀle os³eleeDeeW hej DeefOeueeYe SJeb neefve mJe³eb kesÀ meeKe peesefKece ceW heefjJele&ve kesÀ keÀejCe 0
15 heefjYeeef<ele – ueeYe heWMeve efveefOe Meg× Deeeqmle³eeb 0
16 mJe³eb kesÀ Mes³ejeW ceW efveJesMe (efjheesì& efkeÀS ieS legueve-he$e hej ®egkeÀlee hetbpeer mes henues ner keÀce ve keÀer ieF& nes) 0
17 meeceev³e FeqkeÌJeìer ceW heejmheefjkeÀ heéfle-Oeeefjlee 65
18 efJeefve³eecekeÀ meceskeÀve kesÀ #es$e mes yeenj Jeeues yeQeEkeÀie, efJeÊeer³e SJeb yeercee efvekeÀe³eeW keÀer hetbpeer ceW efveJesMe Meg× hee$e
DeefOeefJe¬eÀ³e keÀer eqmLeefle, peneb efveie&efcele Mes³ej hetbpeer kesÀ 10% kesÀ DeefOekeÀ lekeÀ yeQkeÀ kesÀ heeme ve nes (10% meercee mes
DeefOekeÀ keÀer jeefMe) 0
19 efJeefve³eecekeÀ meceskeÀve kesÀ #es$e mes yeenj Jeeues yeQeEkeÀie, efJeÊeer³e SJeb yeercee efvekeÀe³eeW kesÀ meeceev³e mìe@keÀ ceW cenlJehetCe&
efveJesMe, hee$e Meg× DeefOeJe¬eÀ³e keÀer eqmLeefle (10% meercee mes DeefOekeÀ keÀer jeefMe) 0
20 cee@jiespe mee|JeeEmeie jeFìdme 4 (10% meercee mes DeefOekeÀ keÀer jeefMe) 0
21 DemLeeF& DeblejeW mes GlheVe DeemLeefiele keÀj os³eleeSb (10% keÀer meercee mes DeefOekeÀ keÀer jeefMe, mebyebefOele Meg× keÀj
os³elee) 63299
22 15% meercee mes DeefOekeÀ keÀer jeefMe 0
23 efpemeceW mes: efJeÊeer³e efvekeÀe³eeW kesÀ meeceev³e mìe@keÀ ceW cenlJehetCe& efveJesMe 0
24 efpemeceW mes: cee@jiespe mee|JeeEmeie jeFì 0
25 efpemeceW mes: DemLeeF& DeblejeW mes GlheVe DeemLeefiele keÀj Deeeqmle³eeb 0
144
26 jeäêr³e efJeMes<e efJeefve³eecekeÀ mecee³esepeve (26S+26yeer+26meer+26[er) 0
26S efpemeceW mes: DemecesefkeÀle yeercee Deveg<ebefie³eeW keÀer FeqkeÌJeìer hetbpeer ceW efveJesMe 0
26yeer efpemeceW mes: DemecesefkeÀle iewj efJeÊeer³e keÀer FeqkeÌJeìer hetbpeer ceW efveJesMe 0
26meer efpemeceW mes: yengmebK³e ceeefuekeÀevee efJeÊeer³e efvekeÀe³eeW keÀer FeqkeÌJeìer hetbpeer ceW keÀceer, pees yeQkeÀ kesÀ meeLe mecesefkeÀle ve keÀer
ieF& nes. 0
26[er efpemeceW mes: Decete|leke=Àle heWMeve efveefOe J³e³e 0
27 keÀìewleer keÀes keÀJej keÀjves nsleg Dehe³ee&hle DeefleefjÊeÀ ìer³ej 1 SJeb ìer³ej 2 kesÀ keÀejCe meeceev³e FeqkeÌJeìer ìer³ej 1 keÀes
ueeiet efJeefve³eecekeÀ mecee³eespeve 0
28 meeceev³e FeqkeÌJeìer ìer³ej 1 nsleg efJeefve³eecekeÀ mecee³eespeve 0
29 meeceev³e FeqkeÌJeìer ìer³ej 1 hetbpeer (meerF&ìer 1) 110986
DeefleefjÊeÀ ìer³ej 1 hetbpeer : efueKele
30 ìer³ej 1 nsleg Den&keÀ he´l³e#e efveie&efcele efueKele SJeb mebyebefOele mìe@keÀ DeefOeMes<e (31+32) 0
31 efpemeceW mes ueeiet uesKeebkeÀve ceevekeÀeW kesÀ DeOeerve FeqkeÌJeìer kesÀ ªhe ceW Jeieeake=Àle (mLeeF& iewj-meb®e³eer DeefOeceeveer Mes³ej)
32 efpemeceW mesë ueeiet uesKeebkeÀve ceevekeÀeW kesÀ DeOeerve os³elee kesÀ ªhe ceW Jeieeake=Àle (mLeeF& GOeej efueKele)
33 DeefleefjÊeÀ ìer³ej 1 mes yeenj efkeÀS ieS he´l³e#e efveie&efcele hetbpeer efueKele 0 yeer1+yeer2
34 Deveg<ebefie³eeW Üeje peejer SJeb le=leer³e he#e Üeje Oeeefjle DeefleefjÊeÀ ìer³ej 1 efueKele (SJeb meerF&ìer 1 efueKeles pees jes 5 ceW
Meeefceue veneR nw) (mecetn Sìer 1 ceW Devegcele jeefMe)
35 efpemeceW mes: yeenj efkeÀS peeves kesÀ DeOeerve Deveg<ebefie³eeW Üeje peejer efueKeles
36 efJevee³eecekeÀ mecee³eespevees kesÀ henues DeefleefjÊeÀ ìer³ej 1 hetbpeer 0
DeefleefjÊeÀ ìer³ej 1 hetbpeer: efJeefve³eecekeÀ mecee³eespeve
37 mJe³eb kesÀ DeefleefjÊeÀ ìer³ej 1 efueKeleeW ceW efveJesMe 0
38 DeefleefjÊeÀ ìer³ej 1 efueKeleeW ceW heejmheefjkeÀ heéfle Oeeefjlee 0
DeefOekeÀ keÀer jeefMe) 0
efveJesMe (hee$e Meg× DeefOeJe¬eÀ³e keÀer eqmLeefle) 0
41 jeäêr³e efJeMes<e efJeefve³eecekeÀ mecee³esepeve (41S+41yeer) 0
41S DemecesefkeÀle yeercee Deveg<ebefie³eeW keÀer DeefleefjÊeÀ ìer³ej 1 hetbpeer ceW efveJesMe
41yeer yengueebMe ceeefuekeÀevee efJeÊeer³e efvekeÀe³eeW, pees yeQkeÀ kesÀ meeLe mecesefkeÀle veneR nw, keÀer DeefleefjÊeÀ ìer³ej 1 hetbpeer ceW keÀceer
42 keÀìewleer keÀJej keÀjves nsleg Dehe³ee&hle ìer³ej 2 kesÀ keÀejCe DeefleefjÊeÀ ìer³ej 1 nsleg ueeiet efJeefve³eecekeÀ mecee³eespeve
43 DeefleefjÊeÀ ìer³ej 1 hetbpeer nsleg kegÀue efJeefve³eecekeÀ mecee³eespeve 0
44 DeefleefjÊeÀ ìer³ej 1 hetbpeer (Sìer1) 0
145
45 ìer³ej 1 hetbpeer (ìer1 = meerF&ìer1 + Sìer1) (29 + 44S) 110986
ìer³ej 2 hetbpeerë efueKele SJeb heéJeOeeve
46 ìer³ej 2 nsleg Den&keÀ he´l³e#e efveie&efcele efueKeleW SJeb mebyebefOele mìekeÀ DeefOeMes<e 18000 meer3
47 ìer³ej 2 mes yeenj efkeÀS peeves kesÀ DeOeerve he´l³e#e efveie&efcele hetbpeer efueKeles 8400 meer1+meer2
48 Deveg<ebefie³eeW Üeje peejer SJeb le=leer³e he#e Üeje Oeeefjle ìer³ej 2 efueKeles (SJeb meerF&ìer 1 SJeb Sìer 1 efueKeles, pees hebefÊeÀ 5
³ee 34 ceW Meeefceue veneR nw) (ìer³ej 2 mecetn ceW Devegcele jeefMe) 0
49 efpemeceW mes: Deveg<ebefie³eeW Üeje yeenj efkeÀS peeves kesÀ DeOeerve peejer efueKeles 0
50 heéJeOeeve (cetu³eebkeÀve heéjef#ele, ceevekeÀ Deeeqmle³eeW hej heéJeOeeve, Devepe&keÀ Deeeqmle³eeW keÀer efye¬eÀer Deeefo) 5017
51 efJeefve³eecekeÀ mecee³eespeveeW mes hetJe& ìer³ej 2 hetbpeer 31417
52 mJe³eb keÀer ìer³ej 2 efueKeleeW ceW efveJesMe
53 ìer³ej 2 efueKeleeW ceW heejmheefjkeÀ heéfle-Oeeefjlee 50
DeefOekeÀ keÀer jeefMe)
efveJesMe, hee$e Meg× DeefOeJe¬eÀ³e keÀer eqmLeefle (hee$e ueIeg eqmLeefle keÀe Meg×)
56 jeäêr³e efJeMes<e efJeefve³eecekeÀ mecee³esepeve (56S+56yeer)
56S efpemeceW mes: DemecesefkeÀle yeercee Deveg<ebefie³eeW keÀer DeefleefjÊeÀ ìer³ej 2 hetbpeer ceW efveJesMe
56yeer yengueebMe ceeefuekeÀevee efJeÊeer³e efvekeÀe³eeW, pees yeQkeÀ kesÀ meeLe mecesefkeÀle veneR nw, keÀer DeefleefjÊeÀ ìer³ej 2 hetbpeer ceW keÀceer
57 ìer³ej 2 hetbpeer nsleg kegÀue efJeefve³eecekeÀ mecee³eespeve 50
58S ìer³ej 2 hetbpeer 31367
58yeer ìer³ej 2 hetbpeer (ìer2)efJeefve³eecekeÀ hetbpeer GÎsM³eeW nsleg mecee³eespeve 31367
59 kegÀue hetbpeer (ìermeer = ìer1 + ìer2) (45 + 58meer) 142354
60 kegÀue peesefKece Yeeefjle Deeeqmle³eeb (60S + 60yeer + 60meer) 1480978
60S efpemeceW mes: kegÀue $eÝCe peesefKece Yeeefjle Deeeqmle³eeb 1206167
60yeer efpemeceW mes: kegÀue yeepeej peesefKece Yeeefjle Deeeqmle³eeb 159531
60meer efpemeceW mes: kegÀue heefj®eeueve peesefKece Yeeefjle Deeeqmle³eeb 115280
hetbpeer Devegheele
61 meeceev³e FeqkeÌJeìer ìer³ej 1 (peesefKece Yeeefjle Deeeqmle kesÀ heéfleMele kesÀ ªhe ceW) 7.49%
62 ìer³ej 1 (peesefKece Yeeefjle Deeeqmle kesÀ heéfleMele kesÀ ªhe ceW) 7.49%
63 kegÀue hetbpeer (peesefKece Yeeefjle Deeeqmle kesÀ heéfleMele kesÀ ªhe ceW) 9.61%
64 mebmLee efJeMes<e yeHeÀj DeeJeM³ekeÀleeSb (peesefKece Yeeefjle Deeeqmle³eeW kesÀ heéfleMele kesÀ ªhe ceW J³eÊeÀ v³etvelece
meerF&ìer 1 DeeJeM³ekeÀleeDeeW kesÀ meeLe hetbpeer mebj#eCe SJeb heéfle®e¬eÀer³e yeHeÀj DeeJeM³ekeÀleeSb) 7.375%
146
65 efpemeceW mes: hetbpeer mebj#eCe ve yeHeÀj DeeJeM³ekeÀlee 1.875%
66 efpemeceW mes: yeQkeÀ efJeMes<e heéfle®e¬eÀer yeHeÀj DeeJeM³ekeÀlee 0.00%
67 efpemeceW mes: peer-Sme.DeeF&yeer yeHeÀj DeeJeM³ekeÀlee 0.00%
68 yeHeÀj keÀer hete|le nsleg GheueyOe meeceev³e FeqkeÌJeìer ìer³ej 1 (peesefKece Yeeefjle Deeeqmle³eeW kesÀ heéfleMele kesÀ ªhe
ceW) 0.00%
jeäêr³e v³etvelece (³eefo yeemeue III mes Deueie nes)

69 jeäêr³e meeceev³e FeqkeÌJeìer ìer³ej 1 v³etvelece Devegheele (³eefo yeemeue III v³etvelece mes Deueie nes) 7.375%
70 jeäêr³e ìer³ej 1 v³etvelece Devegheele (³eefo yeemeue III v³etvelece mes Deueie nes) 8.875%
71 jeäêr³e kegÀue hetbpeer v³etvelece Devegheele (³eefo yeemeue III v³etvelece mes Deueie nes) 10.875%
keÀìewleer nsleg efveOee&efjle meercee mes keÀce jeefMe (peesefKece Yeeefjlee mes henues)
72 Dev³e efJeÊeer³e efvekeÀe³eeW keÀer hetbpeer ceW iewj-cenlJehetCe& efveJesMe ueeiet veneR
73 efJeÊeer³e efvekeÀe³eeW keÀer meeceev³e hetbpeer ceW cenlJehetCe& efveJesMe ueeiet veneR
74 cee@jiespe mee|JeeEmeie jeFì (mebyebefOele Meg× keÀj os³elee) ueeiet veneR
75 DemLee³eer DeblejeW mes GlheVe DeemLeefiele keÀj Deeeqmle³eeb (mebyebefOele Meg× keÀj os³elee) ueeiet veneR
ìer³ej 2 ceW heéJeOeeveeW keÀer heéfJeeqä hej ueeiet meerceeSb
76 ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve SkeÌmeheespej kesÀ mebyebOe ceW ìer³ej 2 ceW heéfJeeqä nsleg hee$e heéJeOeeve (meercee ueeiet nesves
mes hetJe&) ueeiet veneR
77 ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ Debleie&le ìer³ej 2 ceW heéJeOeeveeW keÀer heéfJeeqä keÀer meercee ueeiet veneR
78 DeebleefjkeÀ jseEìie DeeOeeefjle ¢eqäkeÀesCe kesÀ DeOeerve SkeÌmeheespej kesÀ mebyebOe ceW ìer³ej 2 ceW heéfJeeqä kesÀ efueS hee$e heéJeOeeve
(meercee ueeiet nesves mes hetJe&) ueeiet veneR
79 DeebleefjkeÀ jseEìie DeeOeeefjle ¢eqäkeÀesCe kesÀ Debleie&le ìer³ej 2 ceW heéJeOeeveeW keÀer heéfJeeqä keÀer meercee. ueeiet veneR
HesÀme-DeeGì J³eJemLee kesÀ DeOeerve hetbpeer efueKeles (kesÀJeue efo.31 cee®e&, 2017 SJeb 31 cee®e&, 2022 kesÀ ceO³e ueeiet)
80 ®ejCeye× J³eJemLee kesÀ DeOeerve meerF&ìer efueKeleeW hej Jele&ceeve meercee ueeiet veneR
81 meercee kesÀ keÀejCe meerF&ìer 1 mes íesæ[er ieF& jeefMe (cees®eve SJeb heefjhekeÌJelee kesÀ he½eele meercee hej DeeefOekeÌ³e) ueeiet veneR
82 ®ejCeye× J³eJemLee kesÀ DeOeerve Sìer1 efueKeleeW hej Jele&ceeve meercee ueeiet veneR
83 meercee kesÀ keÀejCe Sìer1 mes íesæ[er ieF& jeefMe (cees®eve SJeb heefjhekeÌJelee kesÀ he½eele meercee hej DeeefOekeÌ³e) ueeiet veneR
84 ®ejCeye× J³eJemLee kesÀ DeOeerve ìer2 efueKeleeW hej Jele&ceeve meercee 28000
85 meercee kesÀ keÀejCe ìer2 mes íesæ[er ieF& jeefMe (cees®eve SJeb heefjhekeÌJelee kesÀ he½eele meercee hej DeeefOekeÌ³e) 19600
147
leeefuekeÀe [erSHeÀ-12: hetbpeer keÀe mebIeìve- mecee³eespeve Dehes#eeSb

(jeefMe efceefue³eve ceW)
efJeÊeer³e efJeJejefCe³eeW kesÀ
Devegmeej legueve-he$e meboYe&
efo. 31.03.2019 keÀes
S hetbpeer SJeb os³eleeSb
i ®egkeÀlee hetbpeer 40472
efpemeces mes: meerFìer 1 nsleg hee$e jeefMe 40472 S1
efpemeces mes: Sìer 1 nsleg hee$e jeefMe 0 yeer1
heéjef#ele efveefOe SJeb DeefOeMes<e 148877
Mes³ej DeeJesove jeefMe ueeqcyele Deeyebìve 2125
DeuhemebK³ekeÀ efnle 0
kegÀue hetbpeer 191474
ii peceejeefMe³eeb 2998554
efpemeces mes: yeQkeÀeW mes pecee 40220
efpemeces mes: ieénkeÀeW mes pecee 2958334
efpemeces mes: Dev³e peceeSb (ke=Àhe³ee efvee|oä keÀjW) -
iii GOeejjeefMe³eeb 52391
efpemeces mes: DeejyeerDeeF& mes -
efpemeces mes: yeQkeÀeW mes 44
efpemeces mes: Dev³e mebmLeeDeeW SJe mebmLeeveeW mes 2955
efpemeces mes: Dev³e (Yeejle mes yeenj) 0
efpemeces mes: ieewCe $eÝCe 5000 meer1
efpemeces mes:Dehej ìer³ej 2 23000 meer2
efpemeces mes: Demegjef#ele cees®eveer³e Svemeer yeemeue III yeeC[dme (ìer³ej2) 20000 meer3
efpemeces mes: veJeesvces<e mLee³eer GOeej efueKele 1391
iv Dev³e os³eleeSb SJeb heéJeOeeve 64758
kegÀue 3307177
yeer Deeeqmle³eeb
i Yeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer SJeb Mes<e 207791
yeQkeÀeW ceW pecee SJeb ceebie SJeb Deuhe met®evee hej heéfleos³e jeefMe 104208
ii efveJesMe: 1252981
iii $eÝCe SJeb Deefieće 1465254
efpemeces mes: yeQkeÀeW keÀes $eÝCe SJeb Deefieće 11
efpemeces mes: ieénkeÀeW keÀes $eÝCe SJeb Deefieće 1465243
iv De®eue Deeeqmle³eeb 43102
v Dev³e Deeeqmle³eeb 233841
efpemeces mes: ieg[efJeue SJeb Decetle& Deeeqmle³eeb 0
efpemeces mes: DeemLeefiele keÀj os³eleeSb 78940
vi meceskeÀve hej ieg[efJeue 0
vii ueeYe-neefve Keeles ceW veeces Mes<e 0
kegÀue Deeeqmle³eeb 3307177
148
leeefuekeÀe [erSHeÀ-13: efJeefve³eecekeÀ hetbpeer efueKeleeW keÀer cegK³e efJeMes<eleeSb

ìer³ej-1 hetbpeer efueKeleeW keÀer cegK³e efJeMes<eleeSb efvecveevegmeej nQ:
efJeJejCe FeqkeÌJeìer
peejerkeÀlee& mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie& hen®eevekeÀlee& INE483A01010
efueKeleeW kesÀ Meemeer keÀevetve Yeejleer³e keÀevetve
efJeefve³eecekeÀ Ghe®eej
heefjJeleea yeemeue III efve³ece meeceev³e FeqkeÌJeìer ìer³ej 1
heefjJele&ve he½eele III efve³ece meeceev³e FeqkeÌJeìer ìer³ej 1
SkeÀue/mecetn/mecetn SJeb SkeÀue nsleg hee$e SkeÀue SJeb mecetn
efueKele he´keÀej meeceev³e Mes³ej
efJeefve³eecekeÀ hetbpeer ceW ceev³e jeefMe (jeefMe efceefue³eve ceW, efjheese\ìie keÀer veJeervelece efleefLe hej) ` 40,472
efueKele keÀer mececetu³e jeefMe `10 heéfle Mes³ej
uesKeebkeÀve JeieeakeÀjCe Mes³ejOeejkeÀ keÀer FeqkeÌJeìer
peejerkeÀjCe keÀer cetue efleefLe efJeefJeOe
mLee³eer ³ee efoveebefkeÀle mLee³eer
cetue heefjhekeÌJelee efleefLe uee.ve.
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie veneR
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb cees®eve jeefMe uee.ve.
DevegJeleea ceebie efleefLe³eeb, ³eefo ueeiet nes uee.ve.
ketÀheve/ueeYeebMe
eqmLej ³ee DeeqmLej ueeYeebMe/ketÀheve DemLee³eer
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme uee.ve.
ueeYeebMe jeskeÀ keÀer efJeÐeceevelee veneR
hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& hetCe&leë efJeJeskeÀeefOekeÀej
cees®eve nsleg JeOe&ve ³ee Dev³e heéslmeenve keÀer efJeÐeceevelee veneR
iewj-meb®e³eer ³ee meb®e³eer uee.ve.
heefjJele&veer³e ³ee iewj-heefjJele&veer³e uee.ve.
³eefo heefjJele&veer³e nw, lees heefjJele&ve Glhe´sjkeÀ uee.ve.
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee DebMeleë uee.ve.
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj uee.ve.
³eefo heefjJele&veer³e nw, lees DeefveJee³e& ³ee JewkeÀequhekeÀ heefjJele&ve uee.ve.
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw Gme keÀe he´keÀej uee.ve.
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw, GmekeÀe peejerkeÀlee& uee.ve.
DeJeuesKeve efJeMes<elee uee.ve.
³eefo DeJeuesefKele nes, lees DeJeuesKeve Glhe´sjkeÀ uee.ve.
³eefo DeJeuesefKele nes, lees hetCe& ³ee DebMeleë uee.ve.
³eefo DeJeuesefKele nes, lees mLee³eer ³ee DemLee³eer uee.ve.
³eefo DemLee³eer DeJeuesKeve nes, lees DeeuesKeve heéf¬eÀ³ee keÀe JeCe&ve uee.ve.
heefjmeceeheve ceW ieewCe heoeveg¬eÀce keÀer eqmLeefle (efueKele keÀer Jeefjÿlee kesÀ DeeOeej hej lelkeÀeue efueKele keÀe he´keÀej yeleeSb) meYeer peceekeÀlee&DeeW SJeb Dev³e
$eÝefCe³eeW, yeeC[ SJeb heerSvemeerheerSme
iewj-keÀchuee³ebì heefjJele&veer³e efJeMes<eleeSb veneR
³eefo neb, lees iewj heefjJele&veer³e efJeMes<eeSb yeleeSb veneR
149
Þe=bKeuee JeCe&ve Þe=bKeuee. II heer[erDeeF&

efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie& hen®eevekeÀlee&) INE483A09252
heefjJeleea yeemeue III efve³ece Dehee$e
heefjJele&ve he½eele III efve³ece Dehee$e
efueKele he´keÀej mLee³eer GOeej efueKele
efJeefve³eecekeÀ hetbpeer ceW ceev³e jeefMe (jeefMe efceueer³eve ceW, efjheese\ìie keÀer veJeervelece efleefLe hej) 0
efueKele keÀer mececetu³e jeefMe ` 1.00 efceefue³eve
uesKeebkeÀve JeieeakeÀjCe os³elee
peejerkeÀjCe keÀer cetue efleefLe 28.09.2012
mLee³eer ³ee efoveebefkeÀle mLee³eer
cetue heefjhekeÌJelee efleefLe uee.ve.
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie neB
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb cees®eve jeefMe 28.09.2022
ketÀheve/ueeYeebMe
eqmLej ³ee DeeqmLej ueeYeebMe/ketÀheve eqmLej
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme 9.40% he´.Je.
hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& DeefveJee³e&
iewj-meb®e³eer ³ee meb®e³eer iewj-meb®e³eer
heefjJele&veer³e ³ee iewj-heefjJele&veer³e iewj-heefjJele&veer³e
DeJeuesKeve efJeMes<elee ueeiet veneR
heefjmeceeheve ceW ieewCe heoeveg¬eÀce keÀer eqmLeefle (efueKele keÀer Jeefjÿlee kesÀ DeeOeej hej lelkeÀeue efueKele keÀe he´keÀej yeleeSb) meYeer peceekeÀlee& SJeb Dev³e uesveoej
iewj-keÀchuee³ebì heefjJele&veer³e efJeMes<eleeSb neB
³eefo neb, lees iewj heefjJele&veer³e efJeMes<eeSb yeleeSb hetCe&leë Deceev³e, yeemeue III neefve
DeJeMees<eCe efJeMes<elee veneR
150
G®®e ìer³ej-2 hetbpeer efueKeleeW keÀer hećegKe efJeMes<eleeSb efvecveevegmeej nw

Þe=bKeuee efJeJejCe G®®e ìer³ej II G®®e ìer³ej II G®®e ìer³ej II G®®e ìer³ej II
(Þe=bKeuee III) (Þe=bKeuee IV) (Þe=bKeuee V) (Þe=bKeuee VI)
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve nsleg meer³etSmeDeeF&heer, INE483A09203 INE483A09211 INE483A09229 INE483A08015
DeeF&SmeDeeF&Sve ³ee yuetceyeie& hen®eevekeÀlee&)
efueKeleeW kesÀ Meemeer keÀevetve Yeejleer³e keÀevetve Yeejleer³e keÀevetve Yeejleer³e keÀevetve Yeejleer³e keÀevetve
heefjJeleea yeemeue III efve³ece ìer³ej 2 ìer³ej 2 ìer³ej 2 ìer³ej 2
heefjJele&ve he½eele III efve³ece Deheþveer³e Deheþveer³e Deheþveer³e Deheþveer³e
SkeÀue/mecetn/mecetn SJeb SkeÀue nsleg hee$e SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn
efueKele he´keÀej G®®e ìer³ej 2 G®®e ìer³ej 2 G®®e ìer³ej 2 G®®e ìer³ej 2
hetbpeer efueKele hetbpeer efueKele hetbpeer efueKele hetbpeer efueKele
efJeefve³eecekeÀ hetbpeer ceW ceev³e jeefMe (jeefMe efceueer³eve ceW, efjheese\ìie keÀer veJeervelece 1500 1500 3000 900
efleefLe hej)
efueKele keÀer mececetu³e jeefMe `1.00 efceefue³eve `1.00 efceefue³eve `1.00 efceefue³eve `1.00 efceefue³eve
uesKeebkeÀve JeieeakeÀjCe os³elee os³elee os³elee os³elee
peejerkeÀjCe keÀer cetue efleefLe 23.06.2009 20.01.2010 11.06.2010 21.01.2011
mLee³eer ³ee efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle
cetue heefjhekeÌJelee efleefLe 23.06.2024 20.01.2025 11.06.2025 21.01.2026
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie neB neB neB neB
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb cees®eve jeefMe 23.06.2019 20.01.2020 11.06.2020 21.01.2021
DevegJeleea ceebie efleefLe³eeb, ³eefo ueeiet nes uee.ve. uee.ve. uee.ve. uee.ve.
ketÀheve/ueeYeebMe
eqmLej ³ee DeeqmLej ueeYeebMe/ketÀheve eqmLej eqmLej eqmLej eqmLej
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme 8.80% 8.63% 8.57% 9.20%
ueeYeebMe jeskeÀ keÀer efJeÐeceevelee veneR veneR veneR veneR

hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& DeefveJee³e& DeefveJee³e& DeefveJee³e& DeefveJee³e&
cees®eve nsleg JeOe&ve ³ee Dev³e heéslmeenve keÀer efJeÐeceevelee neB neB neB veneR
iewj-meb®e³eer ³ee meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer
heefjJele&veer³e ³ee iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e
³eefo heefjJele&veer³e nw, lees heefjJele&ve Glhe´sjkeÀ uee.ve. uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee DebMeleë uee.ve. uee.ve. uee.ve. uee.ve.
151
Þe=bKeuee efJeJejCe G®®e ìer³ej II G®®e ìer³ej II G®®e ìer³ej II G®®e ìer³ej II
(Þe=bKeuee III) (Þe=bKeuee IV) (Þe=bKeuee V) (Þe=bKeuee VI)
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj uee.ve. uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees DeefveJee³e& ³ee JewkeÀequhekeÀ heefjJele&ve uee.ve. uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw Gme keÀe uee.ve. uee.ve. uee.ve. uee.ve.
he´keÀej
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw, GmekeÀe uee.ve. uee.ve. uee.ve. uee.ve.
peejerkeÀlee&
DeJeuesKeve efJeMes<elee uee.ve. uee.ve. uee.ve. uee.ve.
³eefo DeJeuesefKele nes, lees DeJeuesKeve Glhe´sjkeÀ uee.ve. uee.ve. uee.ve. uee.ve.
³eefo DeJeuesefKele nes, lees hetCe& ³ee DebMeleë uee.ve. uee.ve. uee.ve. uee.ve.
³eefo DeJeuesefKele nes, lees mLee³eer ³ee DemLee³eer uee.ve. uee.ve. uee.ve. uee.ve.
³eefo DemLee³eer DeJeuesKeve nes, lees DeeuesKeve heéf¬eÀ³ee keÀe JeCe&ve uee.ve. uee.ve. uee.ve. uee.ve.
heefjmeceeheve ceW ieewCe heoeveg¬eÀce keÀer eqmLeefle (efueKele keÀer Jeefjÿlee kesÀ DeeOeej meYeer peceekeÀlee& meYeer peceekeÀlee& meYeer peceekeÀlee& meYeer peceekeÀlee&
hej lelkeÀeue efueKele keÀe he´keÀej yeleeSb) SJeb Dev³e uesveoej SJeb Dev³e uesveoej SJeb Dev³e uesveoej SJeb Dev³e uesveoej
iewj-keÀchuee³ebì heefjJele&veer³e efJeMes<eleeSb neB neB neB neB
³eefo neb, lees iewj heefjJele&veer³e efJeMes<eeSb yeleeSb DeeuesKeve, DeeuesKeve, DeeuesKeve, yeemeue III neefve
yeemeue III neefve yeemeue III neefve yeemeue III neefve DeJeMees<eCe
DeJeMees<eCe DeJeMees<eCe DeJeMees<eCe efJeMes<elee veneR
efJeMes<elee veneR efJeMes<elee veneR efJeMes<elee veneR
ieewCe GOeej hetbpeer efueKeleeW keÀer hećegKe efJeMes<eleeSb efvecveevegmeej nwë

Þe=bKeuee efJeJejCe efvecve ìer³ej II Þe=bKeuee XIV
peejerkeÀlee&
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie& hen®eevekeÀlee&) INE483A09245

heefjJeleea yeemeue III efve³ece ìer³ej 2
heefjJele&ve he½eele III efve³ece Dehee$e
efueKele he´keÀej ìer³ej 2 GOeej efueKele
efJeefve³eecekeÀ hetbpeer ceW ceev³e jeefMe (jeefMe efceueer³eve ceW, efjheese\ìie keÀer veJeervelece efleefLe hej) 1500
efueKele keÀer mececetu³e jeefMe `1.00 efceefue³eve
152
Þe=bKeuee efJeJejCe efvecve ìer³ej II Þe=bKeuee XIV

uesKeebkeÀve JeieeakeÀjCe os³elee
peejerkeÀjCe keÀer cetue efleefLe 21.12.2011
mLee³eer ³ee efoveebefkeÀle efoveebefkeÀle
cetue heefjhekeÌJelee efleefLe 21.12.2026
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie neB
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb cees®eve jeefMe 21.12.2021
ketÀheve/ueeYeebMe
eqmLej ³ee DeeqmLej ueeYeebMe/ketÀheve eqmLej
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme 9.33%

hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& DeefveJee³e&
iewj-meb®e³eer ³ee meb®e³eer iewj-meb®e³eer
heefjJele&veer³e ³ee iewj-heefjJele&veer³e iewj-heefjJele&veer³e
DeJeuesKeve efJeMes<elee ueeiet veneR
heefjmeceeheve ceW ieewCe heoeveg¬eÀce keÀer eqmLeefle (efueKele keÀer Jeefjÿlee kesÀ DeeOeej hej lelkeÀeue efueKele keÀe he´keÀej meYeer peceekeÀlee& SJeb Dev³e uesveoej
yeleeSb)
iewj-keÀchuee³ebì heefjJele&veer³e efJeMes<eleeSb neB
³eefo neb, lees iewj heefjJele&veer³e efJeMes<eeSb yeleeSb DeeuesKeve, yeemeue III neefve DeJeMees<eCe efJeMes<elee
veneR
153
yeemeue III Devegheeueve ìer³ej 2 yeeC[ keÀer hećegKe efJeMes<eleeSb efvecveevegmeej nwë
yeemeue III keÀchuee³ebì ìer³ej II yeeC[dme
Þe=bKeuee I Þe=bKeuee II Þe=bKeuee III
peejerkeÀlee&
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve INE483A09260 INE4838A09278 INE483A09286
nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie&
hen®eevekeÀlee&)
efueKeleeW kesÀ Meemeer keÀevetve Yeejleer³e keÀevetve Yeejleer³e keÀevetve Yeejleer³e keÀevetve
heefjJeleea yeemeue III efve³ece ìer³ej 2 ìer³ej 2 ìer³ej 2
heefjJele&ve he½eele III efve³ece hee$e hee$e hee$e
SkeÀue/mecetn/mecetn SJeb SkeÀue nsleg hee$e SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn
efueKele he´keÀej ìer³ej 2 GOeej efueKele ìer³ej 2 GOeej efueKele ìer³ej 2 GOeej efueKele
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve 8000 5000 5000
nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie&
hen®eevekeÀlee&)
efueKele keÀer mececetu³e jeefMe `1.00 efceefue³eve `1.00 efceefue³eve `1.00 efceefue³eve
uesKeebkeÀve JeieeakeÀjCe os³elee os³elee os³elee
peejerkeÀjCe keÀer cetue efleefLe 08.11.2013 07.03.2017 07.03.2019
mLee³eer ³ee efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle
cetue heefjhekeÌJelee efleefLe 08.11.2023 07.05.2027 07.05.2029
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie veneR neb neb
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb uee.ve. 07.05.2022 07.05.2024
cees®eve jeefMe
DevegJeleea ceebie efleefLe³eeb, ³eefo ueeiet nes uee.ve. uee.ve. uee.ve.
ketÀheve/ueeYeebMe
eqmLej ³ee DeeqmLej ueeYeebMe/ketÀheve eqmLej eqmLej eqmLej
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme 9.90% 8.62% 10.80%
ueeYeebMe jeskeÀ keÀer efJeÐeceevelee veneR veneR veneR

hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& DeefveJee³e& DeefveJee³e&
DeefveJee³e&
cees®eve nsleg JeOe&ve ³ee Dev³e heéslmeenve keÀer efJeÐeceevelee veneR veneR veneR
iewj-meb®e³eer ³ee meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer
heefjJele&veer³e ³ee iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e
³eefo heefjJele&veer³e nw, lees heefjJele&ve Glhe´sjkeÀ uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee DebMeleë uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees DeefveJee³e& ³ee JewkeÀequhekeÀ heefjJele&ve uee.ve. uee.ve. uee.ve.
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee uee.ve. uee.ve. uee.ve.
ie³ee nw Gme keÀe he´keÀej
154
yeemeue III keÀchuee³ebì ìer³ej II yeeC[dme

Þe=bKeuee I Þe=bKeuee II Þe=bKeuee III
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee uee.ve. uee.ve. uee.ve.
ie³ee nw, GmekeÀe peejerkeÀlee&
DeJeuesKeve efJeMes<elee neB neB neB
³eefo DeJeuesefKele nes, lees DeJeuesKeve Glhe´sjkeÀ Yeejleer³e efj]peJe& yeQkeÀ kesÀ efJekeÀuhe Yeejleer³e efj]peJe& yeQkeÀ kesÀ efJekeÀuhe Yeejleer³e efj]peJe& yeQkeÀ kesÀ efJekeÀuhe
hej Fve yeeC[eW keÀes Glhe´sjCe hej Fve yeeC[eW keÀes Glhe´sjCe hej Fve yeeC[eW keÀes Glhe´sjCe
keÀer eqmLeefle ceW, efpemes heeFbì keÀer eqmLeefle ceW, efpemes heeFbì keÀer eqmLeefle ceW, efpemes heeFbì
Dee@HeÀ vee@ve Jee³eefyeefueìer efìîej Dee@HeÀ vee@ve Jee³eefyeefueìer efìîej Dee@HeÀ vee@ve Jee³eefyeefueìer efìîej
(’heerDeesSveJeer efìîej“) keÀne (’heerDeesSveJeer efìîej“) keÀne (’heerDeesSveJeer efìîej“) keÀne
peelee nw, DemLee³eer ªhe mes peelee nw, DemLee³eer ªhe mes peelee nw, DemLee³eer ªhe mes
DeJeuesefKele ³ee mLee³eer ªhe mes DeJeuesefKele ³ee mLee³eer ªhe mes DeJeuesefKele ³ee mLee³eer ªhe mes
DeeuesefKele efkeÀ³ee pee mekeÀlee nw. DeeuesefKele efkeÀ³ee pee mekeÀlee nw. DeeuesefKele efkeÀ³ee pee mekeÀlee nw.
³eefo DeJeuesefKele nes, lees hetCe& ³ee DebMeleë DebMeleë DebMeleë DebMeleë
³eefo DeJeuesefKele nes, lees mLee³eer ³ee DemLee³eer DemLee³eer DemLee³eer DemLee³eer
³eefo DemLee³eer DeJeuesKeve nes, lees DeeuesKeve heéf¬eÀ³ee keÀe 1) hetJe& efveOee&efjle efìîej hej 1) hetJe& efveOee&efjle efìîej hej 1) hetJe& efveOee&efjle efìîej hej
JeCe&ve hengb®eves kesÀ Ghejeble yeQkeÀ hengb®eves kesÀ Ghejeble yeQkeÀ hengb®eves kesÀ Ghejeble yeQkeÀ
Üeje Deheves meeceev³e Üeje Deheves meeceev³e Üeje Deheves meeceev³e
Mes³ejOeejkeÀeW keÀes ueeYeebMe Mes³ejOeejkeÀeW keÀes ueeYeebMe Mes³ejOeejkeÀeW keÀes ueeYeebMe
kesÀ he´Lece Yegieleeve efkeÀS kesÀ he´Lece Yegieleeve efkeÀS kesÀ he´Lece Yegieleeve efkeÀS
peeves kesÀ ueieYeie SkeÀ Je<e& peeves kesÀ ueieYeie SkeÀ Je<e& peeves kesÀ ueieYeie SkeÀ Je<e&
he½eele efkeÀ³ee peeSiee. he½eele efkeÀ³ee peeSiee. he½eele efkeÀ³ee peeSiee.
2) SkeÀ Je<e& ceW mekeÀue 2) SkeÀ Je<e& ceW mekeÀue 2. SkeÀ Je<e& ceW mekeÀue
DeeuesKeve Je<e& kesÀ oewjeve DeeuesKeve Je<e& kesÀ oewjeve DeeuesKeve Je<e& kesÀ oewjeve
Ieesef<ele ueeYeebMe kesÀ Ieesef<ele ueeYeebMe kesÀ Ieesef<ele ueeYeebMe kesÀ
heéfleMele lekeÀ heéfleyebefOele heéfleMele lekeÀ heéfleyebefOele heéfleMele lekeÀ heéfleyebefOele
nw, ³en DeJeuesefKele yeeb[ nw, ³en DeJeuesefKele yeeb[ nw, ³en DeJeuesefKele yeeb[
Üeje me=efpele FeqkeÌJeìer Üeje me=efpele FeqkeÌJeìer Üeje me=efpele FeqkeÌJeìer
mes kegÀue FeqkeÌJeìer ceW mes mes kegÀue FeqkeÌJeìer ceW mes mes kegÀue FeqkeÌJeìer ceW mes
DeJeuesefKele yeeC[ mes DeJeuesefKele yeeC[ mes DeJeuesefKele yeeC[ mes
me=efpele FeqkeÌJeìer IeìekeÀj me=efpele FeqkeÌJeìer IeìekeÀj me=efpele FeqkeÌJeìer IeìekeÀj
heéhle keÀe heéfleMele nw. heéhle keÀe heéfleMele nw. heéhle keÀe heéfleMele nw.
3) SkeÀ Je<e& ceW mekeÀue 3) SkeÀ Je<e& ceW mekeÀue 3. SkeÀ Je<e& ceW mekeÀue
DeeuesKeve Gme Je<e& efJeMes<e DeeuesKeve Gme Je<e& efJeMes<e DeeuesKeve Gme Je<e& efJeMes<e
ceW meeceev³e Mes³ejOeejkeÀeW ceW meeceev³e Mes³ejOeejkeÀeW ceW meeceev³e Mes³ejOeejkeÀeW
keÀes ueeYeebMe kesÀ ªhe ceW keÀes ueeYeebMe kesÀ ªhe ceW keÀes ueeYeebMe kesÀ ªhe ceW
Yegieleeve jeefMe kesÀ 25% Yegieleeve jeefMe kesÀ 25% Yegieleeve jeefMe kesÀ 25%
mes DeefOekeÀ veneR nesvee mes DeefOekeÀ veneR nesvee mes DeefOekeÀ veneR nesvee
®eeefnS. ®eeefnS. ®eeefnS.
³eefo heefjJele&veer³e nw, lees heefjJele&ve Glhe´sjkeÀ meYeer peceekeÀlee& SJeb Dev³e meYeer peceekeÀlee& SJeb Dev³e meYeer peceekeÀlee& SJeb Dev³e
uesveoej uesveoej uesveoej
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee DebMeleë veneR veneR veneR
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj - - -
155
leeefuekeÀe [erSHeÀ-14: efJeefve³eecekeÀ hetbpeer efueKeleeW kesÀ hetCe& efve³ece SJeb MeleX
¬eÀ.meb. hetbpeer keÀe he´keÀej efueKele hetCe& efve³ece SJeb MeleX
1. FeqkeÌJeìer FeqkeÌJeìer pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
2. DeefleefjÊeÀ ìer³ej 1 DeeF&heer[erDeeF& pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
3. ìer³ej 2 G®®e ìer³ej 2 yeeC[ pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
4. ìer³ej 2 ieewCe yeeC[ pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
5. ìer³ej 2 yeemeue III keÀchueeSbì yeeC[ pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
ìsyeue [erSHeÀ-16: FeqkeÌJeìer]pe - yeQeEkeÀie yener nsleg he´keÀìerkeÀjCe mebyebOeer efoveebkeÀ 31.03.2019 keÀer eqmLeefle
1 efvecveefueefKele meefnle FeqkeÌJeìer peesefKece kesÀ • YeefjyeQ kesÀ efoMeeefveoxMeevegmeej Deveg<ebefie³eeW SJeb meb³egÊeÀ GÐeceeW keÀe FeqkeÌJeìer ceW efveJesMe (meb³egÊeÀ GÐece
ceeceues ceW meeceev³e iegCeelcekeÀ he´keÀìerkeÀjCe Jen neslee nw efpemeceW yeQkeÀ Deheveer Deveg<ebefie³eeW kesÀ meeLe 25% mes DeefOekeÀ FeqkeÌJeìer OeejCe keÀjlee
DeeJeM³ekeÀleeSb (Fme DevegueivekeÀ keÀe hewje 2.1) : nw) S®eìerSce ÞesCeer kesÀ Debleie&le Jeieeake=Àle efkeÀ³ee peevee ®eeefnS. ³en keÀe³e&veereflekeÀ mebyebOeeW keÀes yevee³es
• efpeve hej hetbpeeriele ueeYe Dehesef#ele nw Gme jKeves DeLeJee keÀe³e&veereflekeÀ J³eJemeeef³ekeÀ GÎsM³eeW kesÀ efueS keÀe³e&veereflekeÀ ue#³eeW kesÀ efueS megjef#ele
Oeeefjle jeefMe leLee heejmheefjkeÀ mebyebOe jKes peeles nQ.
SJeb keÀe³e&veereflekeÀ keÀejCeeW meefnle efpevnW • efveJesMe JeieeakeÀjCe Deewj cetu³eebkeÀve hej YeeefjyeQ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej efveJesMe keÀer Kejero keÀer
J³eeeqhle³eeW kesÀ Debleie&le efue³ee ie³ee nw, GveceW efleefLe hej ner ’J³eeheej nsleg jKee ie³ee“ (S®eìerSHeÀ), ’efye¬eÀer nsleg GheueyOe“ (SSHeÀSme) Deewj
efYeVelee; SJeb ’heefjhekeÌJe nesves lekeÀ jKee ie³ee“ (S®eìerSce) ÞesefCe³eeW ceW (FmekesÀ he½eele ’ÞesefCe³eeb“ keÀne pee³esiee)
• yeQeEkeÀie yeefn³eeW ceW FeqkeÌJeìer Oeeefjlee kesÀ Jeieeake=Àle efkeÀ³ee ie³ee nw. Gve efveJesMeeW keÀes efpevekeÀes yeQkeÀ heefjhekeÌJelee lekeÀ jKevee ®eenleer nw, keÀes
cetu³eebkeÀve SJeb uesKeebkeÀve keÀes meceeefnle S®eìerSce heéfleYetefle³eeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nQ. YeeefjyeQ efoMeeefveoxMeeW kesÀ Devegmeej
keÀjles ngS cenÊJehetCe& veerefle³eeW hej ®e®ee&. S®eìerSce ÞesCeer kesÀ Debleie&le jKes ie³es FeqkeÌJeìer efveJesMe keÀer hetBpeer he³ee&hlelee GÎsM³eeW nsleg yeQeEkeÀie yener
FveceW cetu³eebkeÀve kesÀ meeLe meeLe FvekeÀer kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nQ.
he´LeeDeeW ceW cenlJehetCe& heefjJele&veeW meefnle S®eìerSce ÞesCeer kesÀ Debleie&le Je]ieeake=Àle efveJesMe GvekesÀ DeefOeieńCe ueeiele hej efkeÀS peeles nQ Deewj yeepeej
hećegKe ceev³eleeDeeW SJeb he´LeeDeeW meefnle ceW ef®eeqvnle veneR efkeÀ³ee peelee nQ. DemLee³eer kesÀ DeueeJee, keÀesF& Yeer keÀceer, FeqkeÌJeìer efveJesMe kesÀ cetu³e
he´³egÊeÀ uesKeebkeÀve lekeÀveerkeÀer SJeb cetu³eebkeÀve ceW heóeve keÀer peeleer nw. S®eìerSce ÞesCeer ceW efveJesMeeW keÀer efye¬eÀer hej keÀesF& Yeer neefve, ueeYe Deewj neefve
heéfJeefOe Meeefceue nw. efJeJejCeer ceW ef®eeqvnle efkeÀ³ee peelee nw. YeeefjyeQ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej keÀesF& Yeer ueeYe ’Deejef#ele
HetBpeer“ kesÀ efueS Meg× keÀjeW Deewj meebefJeefOekeÀ Deejef#ele efveefOe³eeW kesÀ meeLe efJeefve³eesefpele efkeÀ³ee peelee nw.
iegCeelcekeÀ he´keÀìerkeÀjCe ©he³es efceefue³eve ceW

yener cetu³e Gef®ele cetu³e
31.03.2019 31.03.2019
1 leguevehe$e ceW efveJesMe keÀe heóe|Mele cetu³e Deewj Gve efveJesMeeW keÀe Gef®ele cetu³e. 3590 3590
Mes³ej keÀer keÀercele Deewj GmekesÀ Gef®ele cetu³e ceW keÀeHeÀer Deblej nes lees meeJe&peefvekeÀ ªhe mes G×=le Mes³ej cetu³eeW - -
mes leguevee.
2 efveJesMeeW keÀe he´keÀej SJeb he´ke=Àefle, Ssmeer jeefMe meefnle, efpemes efvecveevegmeej Jeieeake=Àle efkeÀ³ee pee mekeÀlee nw: - -
meeJe&peefvekeÀ ªhe mes J³eeheeefjle - -
efvepeer leewj hej Oeeefjle 3590 3590
Yeejle ceW meb³egÊeÀ GÐece (mesvì yeQkeÀ nesce HeÀeFveQme) 219 219
Yeejle kesÀ yeenj, DemeesefmeSì (Fb[es peeeqcye³ee yeQkeÀ efue. ceW meb³egÊeÀ GÐece) 475 475
156
iegCeelcekeÀ he´keÀìerkeÀjCe ©he³es efceefue³eve ceW

yener cetu³e Gef®ele cetu³e
31.03.2019 31.03.2019
#es$eer³e ieéceerCe yeQkeÀ 2771 2771
Deveg<ebefie³eeb (mesvì yeQkeÀ HeÀeFveweqvMe³eue mee|Jemespe efue.) 50 50
keÀe³e&veereflekeÀ efveJesMe – mesvìûe Jes³ej neGeEmeie keÀeheexjsMeve 21 21
keÀe³e&veereflekeÀ efveJesMe – DeeF&SHeÀmeerDeeF& 40 40
keÀe³e&veereflekeÀ efveJesMe – Dev³e efJeÊeer³e mebmLeeve (DeeF&SHeÀmeerDeeF&, peerSmeSHeÀmeer, peskesÀSHeÀmeer, [yu³etyeerSHeÀmeer) 20 20
3 efjheese\ìie DeJeefOe ceW efye¬eÀer Deewj heefjmeceeheve mes GlheVe heéhle meb®e³eer ueeYe (neefve³eeb) - -
4 kegÀue Deheéhle ueeYe (neefve³eeb)* - -
5 kegÀue Dehe´keÀì hegvecet&u³eebkeÀve ueeYe (neefve³eeb)** efvejbkeÀ efvejbkeÀ
6 efì³ej I SJeb/DeLeJee efì³ej II hetbpeer ceW meeqcceefuele Ghe³eg&ÊeÀ keÀer keÀesF& jeefMe - -
7 efve³eecekeÀ hetbpeer DeeJeM³ekeÀleeDeeW kesÀ mebyebOe ceW he³e&Jes#eer meb¬eÀceCe DeLeJee ieéb[keÀeoeEjie’ heéJeOeeveeW kesÀ DeOeerve ueeiet veneR ueeiet veneR
yeQkeÀ keÀer ef¬eÀ³eeefJeefOe kesÀ meeLe meeLe FeqkeÌJeìer efveJesMeeW kesÀ he´keÀej SJeb GvekeÀer kegÀue jeefMe kesÀ mebiele FeqkeÌJeìer
mecetnve Üeje efJe#ele hetbpeeriele DeeJeM³ekeÀleeSb.
efoveebkeÀ 31.03.2019 keÀes ueerJejspe Devegheele he´keÀìerkeÀjCe

ueeryejspe Devegheele
yeemeue III kesÀ Debleie&le DeeJeM³ekeÀ v³etvelece peesefKece DeeOeeefjle hetbpeer iewj-peesefKece DeeOeeefjle efì³ej 1 uesJejspe Devegheele Üeje mebhetjkeÀ nesieer.
ìsyeue [erSHeÀ 17 : uesKeebkeÀve Deeeqmle³eeb yeveece ueerJejspe Devegheele SkeÌmeheespej Ghee³e keÀer mebef#ehle leguevee
ceo (` efceefue³eve ceW)
1 he´keÀeefMele efJeÊeer³e efJeJejefCe³eeW kesÀ Devegmeej, kegÀue mecesefkeÀle Deeeqmle³eeb 3318846
2 yeQeEkeÀie, efJeÊeer³e, yeercee DeLeJee JeeefCeeqp³ekeÀ mebmLeeDeeW ceW efveJesMeeW kesÀ efueS mecee³eespeve, efpevekeÀe uesKeebkeÀve he´³eespeveeLe& meceskeÀve efkeÀ³ee 0
peelee nw, hejbleg pees efJeefve³eecekeÀ meceskeÀve kesÀ #es$e kesÀ yeenj nQ
3 heefj®eeueve uesKeebkeÀve {eb®es kesÀ DevegmejCe ceW leguevehe$e ceW he´l³e³eer Deeeqmle³eeW kesÀ mecee³eespeve keÀes oMee&³ee ie³ee nw, eEkeÀleg ueerJejspe (62944)
Devegheele SkeÌmeheespej Ghee³e mes yeenj nQ
4 J³eglheVeer efJeÊeer³e efueKeleeW kesÀ efueS mecee³eespeve 15257
5 heéfleYetefle³eeb efJeÊeheesef<ele uesveosveeW (DeLee&le jshees SJeb Fmeer lejn keÀer jef#ele GOeejer) kesÀ efueS mecee³eespeve 2706
6 leguevehe$e Flej ceoeW kesÀ efueS (DeLee&le leguevehe$e Flej SkeÌmeheespej kesÀ $eÝCe mecelegu³e jeefMe ceW heefjJele&ve) mecee³eespeve 158501
7 Dev³e mecee³eespeve 1479
8 ueerJejspe Devegheele SkeÌmeheespej 3433845
157
[erSHeÀ-18 : ueerJejspe Devegheele keÀe@ceve he´keÀìerkeÀjCe ìscheuesì

(` efceefue³eve ceW)
leguevehe$e SkeÌmeheespej
1 leguevehe$e ceoW (J³eglheVeer SJeb SmeSHeÀìer keÀes íesæ[keÀj, hejbleg mebheee|éekeÀ Meeefceue nw) 3162859
2 (yeemeue III efì³ej I hetbpeer megefveeq½ele keÀjves ceW Deeeqmle jeefMe keÀes Ieìe³ee) 62944
3 kegÀue leguevehe$e SkeÌmeheespej (J³eglheVeer SJeb SmeSHeÀìer keÀes íesæ[keÀj) (ceo 1 mes 2 lekeÀ keÀer jeefMe) 3099915
J³eglheVeer SkeÌmeheespej
4 meYeer J³eglheVeer uesveosveeW (DeLee&le hee$e vekeÀoer efJe®eueve ceee|peve IeìekeÀj) 4304
5 meYeer J³eglheVeer uesveosveeW kesÀ meeLe mecye× heerSHeÀF& kesÀ efueS Jee|Oele jeefMe³eeb 10953
6 heóÊe J³eglheVeer mebheee|éekeÀ kesÀ efueS ieé@me-Dehe 0
7 (J³eglheVeer uesveosveeW ceW heóÊe vekeÀoer efJe®eueve ceee|peve kesÀ efueS heéh³e Deeeqmle³eeW keÀer keÀìewleer) 0
8 (keÌueeFbì-eqkeÌue³ej[ ì^s[ SkeÌmeheespej keÀe ítì heéhle meermeerheer uesie) 0
9 efueefKele $eÝCe J³eglheVe keÀer mecee³eesefpele heÝeeJeer DeevegceeefvekeÀ jeefMe 0
10 (efueefKele $eÝCe J³eglheVe kesÀ efueS mecee³eesefpele heÝeeJeer DeevegceeefvekeÀ heéflelegueve leLee Jee|Oele keÀìewefle³eeb) 0
11 kegÀue J³eglheVeer SkeÌmeheespej (ceo 4 mes 10 lekeÀ keÀer jeefMe) 15257
heéfleYetefle³eeb efJeÊeheesef<ele uesveosve SkeÌmeheespej
12 mekeÀue SmeSHeÀìer Deeeqmle³eeb (efveJeue jeefMe %eele efkeÀS yeiewj), efye¬eÀer uesKeebkeÀve uesveosve kesÀ efueS mecee³eespeve kesÀ he½eele 160172
13 (mekeÀue SmeSHeÀìer Deeeqmle³eeW keÀe os³e vekeÀoer Deewj heéh³e vekeÀoer keÀer Meg× jeefMe) 0
14 SmeSHeÀìer Deeeqmle³eeW kesÀ efueS meermeerDeej SkeÌmeheespej 0
15 Spesvì uesveosve SkeÌmeheespej 0
16 kegÀue heéfleYetefle³eeb efJeÊehees<eCe uesveosve SkeÌmeheespej (ceo 12 mes 15 keÀer jeefMe) 160172
Dev³e leguevehe$e Flej SkeÌmeheespej
17 mekeÀue DeevegceeefvekeÀ jeefMe hej leguevehe$e Flej SkeÌmeheespej 602168
18 ($eÝCe mecelegu³e jeefMe³eeW ceW heefjJele&ve kesÀ efueS mecee³eespeve) (443667)
19 leguevehe$e Flej ceoW (ceo 17 Deewj 18 keÀer jeefMe) 158501
hetbpeer SJeb kegÀue SkeÌmeheespej
20 efì³ej 1 hetbpeer 114428
21 kegÀue SkeÌmeheespej (ceo 3,11,16 SJeb 19 keÀer jeefMe) 3433845
ueerJejspe Devegheele
22 yesmeue III ueerJejspe Devegheele (heéfleMele) 3.33%
S. kesÀ. ®eìpeea kesÀ. kesÀ. levespee

GHe ceneÒeyebOekeÀ - DeejSce[er ceneÒeyebOekeÀ - $eÝCe
DeeueeskeÀ ÞeerJeemleJe yeer.Sme.MesKeeJele heer.jceCe cetefle& heuueJe cenehee$e

keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ heýebOe efveosMekeÀ SJeb meerF&Dees
158
Sme. kesÀ. cesnlee SC[ kebÀ. yeesjkeÀj SC[ cegpegceoej

302-306, heíeefle ìe@Jeme&, 26 jepeWê Huesme, 21/168, Deevebo veiej Deesce meerS®eSme,
veF& efouueer - 110008 Deevebo veiej uesve, Dee@HeÀ vesnª jes[,
JekeÀesuee, meeblee¬egÀpe hetJe&, cegcyeF& - 400055
cegkegbÀo Sce ef®eleues Sb[ keÀcheveer SSpesJeer Sb[ SMeesefmeSì

efÜleer³e cebefpeue, keÀhegj neGme, SuepeerSHeÀ-meer 73, ueepehele veiej-II,
HejebpeHes `yeer' mkeÀerce, jes[ ve. 1, veF& efouueer - 110024
efJeues heeuex (HetJe&), cegcyeF& - 400057
mesyeer (oeef³elJe met®eerJe×lee SJeb DeeJeM³ekeÀleeDeeW keÀe he´keÀìve) efJeefve³eceve 2015 kesÀ efve³ece 33 kesÀ Devegmeej
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ mecesefkeÀle efJeÊeer³e heefjCeece hej uesKeehejer#ekeÀ keÀer efjheesì&
Òeefle,
mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ efveosMekeÀ ceb[ue
1. nceves mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (heeuekeÀ yeQkeÀ) SJeb GmekeÀer Deveg<ebieer mebmLeeDeeW (efpevnW meecetefnkeÀ ªhe mes ’mecetn“ keÀne ie³ee nw) SJeb GvekesÀ men³eesieer mebmLeeDeeW
kesÀ 31 cee®e& 2019 (efJeJejCeer) keÀes meceehle Je<e& ceW ueeYe ³ee neefve kesÀ DebMe kesÀ mebueeqivele mecesefkeÀle efJeÊeer³e heefjCeeceeW keÀe DebkesÀ#eCe efkeÀ³ee nw, efpemes ’HeeuekeÀ
yeQkeÀ“ ves mesyeer (oeef³elJe met®eerJe×lee SJeb DeeJeM³ekeÀleeDeeW keÀe he´keÀìve) efJeefve³eceve 2015 kesÀ efve³ece 33 kesÀ Devegmeej pecee efkeÀ³ee nw. ³en efJeJejCeer, pees efkeÀ
’HeeuekeÀ yeQkeÀ“ keÀer efpeccesoejer nw SJeb efveosMekeÀ ceb[ue Üeje Devegceesefole nw, yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece 1949 kesÀ Devegmeej lew³eej keÀer ieF& nw. Yeejle ceW
Deece leewj hej mJeerke=Àle uesKee efme×ebleeW kesÀ meeLe-meeLe Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer ceevekeÀ uesKee He×efle ceW efveefnle efveOee&jCe SJeb ceeheve He×efle
keÀes ceev³e efkeÀ³ee peelee nw pees efkeÀ ’HeeuekeÀ yeQkeÀ“ SJeb Yeejleer³e efjpeJe& yeQkeÀ Üeje mece³e-mece³e hej peejer efoMeeefveosMeeW kesÀ Devegmeej ueeiet nesles nQ. 31cee®e& 2019
keÀes meceehle Je<e& keÀer efJeJejCeer SJeb efJeÊeer³e heefjCeece keÀer he´mlegefle hej Deheves efJe®eej jKevee nceejer efpeccesoejer nw.
2. nceves Deheveer uesKeehejer#ee Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer uesKee hejer#eCe kesÀ ceevekeÀeW kesÀ Devegªhe efkeÀ³ee nw. ³es ceevekeÀ Dehes#ee keÀjles nQ efkeÀ nce
veweflekeÀ DeeJeM³ekeÀleeDeeW SJeb ³eespeveeDeeW keÀe Devegheeueve keÀjW. ³es ceevekeÀ Dehes#ee keÀjles nQ efkeÀ nce mener uesKeehejer#ee keÀer Deheveer ³eespevee, keÀe³e&efve<heeove SJeb Gef®ele
Deeéeemeve, peesefkeÀ mecesefkeÀle efJeÊeer³e heefjCeece efkeÀmeer ieuele Devegceeve mes hejs nQ, heéhle keÀjves ceW veweflekeÀlee keÀe heeueve keÀjW. efkeÀmeer uesKeehejer#ee keÀer he´mlegefle He×efle
ceW efJeJejCeer kesÀ he´keÀìve SJeb jeefMe kesÀ yeejs ceW uesKee mee#³e keÀes heéhle keÀjvee Meeefceue nw. ®e³eefvele He×efle uesKeehejer#ekeÀeW kesÀ efveCe&³e hej efveYe&j keÀjleer nw efpemeceW
efJeJejCeer ceW efkeÀmeer YeeweflekeÀ ieuele Devegceeve kesÀ peesefKece keÀe efveOee&jCe Yeer Meeefceue nw ®eens Jen keÀheì mes nes ³ee efkeÀmeer ®etkeÀ mes. Fve peesefKeceeW kesÀ efveOee&jCe ceW
uesKeehejer#ekeÀ efJeJejCeer keÀer lew³eejer SJeb GmekeÀer meeHeÀ megLejer he´mlegefle kesÀ efueS Gme mece³e keÀer eqmLeefle kesÀ Devegªhe Gef®ele uesKeehejer#ee He×efle yeveeves kesÀ efueS mecetn
SJeb GmekesÀ men³eesefie³eeW mes mecyeeqvOele DeebleefjkeÀ efve³eb$ekeÀ keÀes Deheves meb%eeve ceW ueslee nw uesKeehejer#ee ceW he´³egÊeÀ uesKee veerefle kesÀ he³ee&hle Devegheeueve keÀe cetu³eebkeÀve SJeb
heýevOeve Üeje yeveeS heékeÌkeÀueveeW kesÀ Gef®ele DebkesÀ#eCe kesÀ DeueeJee efJeJejCeer keÀer mebhetCe& he´mlegefle keÀe cetu³eebkeÀve keÀjvee Yeer Meeefceue nw. nceW efJeéeeme nw efkeÀ mene³ekeÀ
kebÀheefve³eeW keÀer efjheesìdme& SJeb men³eesieer heýevOeve Üeje GheueyOe keÀjeS ieS efyevee uesKeehejeref#ele uesKee efJeÊeer³e efJeJejefCe³ee@, MeeKee uesKee hejer#ekeÀeW Üeje, Dev³e uesKee
hejer#ekeÀeW Üeje SJeb nceejs Üeje heéhle efkeÀS ieS uesKee mee#³e nceejer je³e yeveeves nsleg he³ee&hle SJeb Gef®ele nQ.
3. ³es efJeÊeer³e heefjCeece nceejs Üeje uesKeehejeref#ele keÀer ieF¥ 20 MeeKeeDeeW, otmejW uesKee hejer#ekeÀeW Üeje, pees Fme keÀe³e& kesÀ efueS efJeMes<e ªhe mes efve³egÊeÀ efkeÀS ieS Les,
Üeje uesKeehejeref#ele keÀer ieF¥ 2549 MeeKeeDeeW SJeb ’HeeuekeÀ yeQkeÀ“ keÀer efyevee DebkesÀef#ele keÀer ieF& 2090 MeeKeeDeeW keÀer mebyeeqvOele efJeJejefCe³eeW mes efueS ieS nQ.
4. (i) oes mene³ekeÀ kebÀheefve³eeW, efpevekesÀ efJeÊeer³e efJeJejCeer mes mheä nw efkeÀ 31 cee®e& 2019 keÀes GvekeÀer kegÀue Deeeqmle ` 1442.88 keÀjesæ[ SJeb kegÀue jepemJe
` 146.50 keÀjesæ[ SJeb kegÀue veieo Deeiece ` 71.63 keÀjesæ[ jne, keÀe uesKee hejer#eCe nceves veneR efkeÀ³ee nw. ³es efJeÊeer³e efJeJejefCe³ee@ Dev³e uesKee hejer#ekeÀeW
Üeje hejeref#ele keÀer ieF¥ nQ, efpevekeÀer efjheesìdme& nceW heýevOeve Üeje GheueyOe keÀjeF& ieF& nw SJeb nceejer je³e hetjer lejn mes Dev³e uesKee hejer#ekeÀeW keÀer efjheesìdme& hej
DeeOeeefjle nw.
(ii) mecesefkeÀle efJeÊeer³e efJeJejCeer ceW ’mecetn“ keÀes 31 cee®e& 2019 keÀes meceehle Je<e& ceW keÀj ®egkeÀeves kesÀ yeeo ngDee efveJeue ueeYe ` 16.59 keÀjesæ[ Meeefceue nw,
’mecetn“ ceW Meeefceue ®eejeW men³eesefie³eeW keÀer efJeÊeer³e efJeJejefCe³ee@ nceves uesKee hejeref#ele veneR keÀer nQ, heýevOeve ves leerve men³eesefie³eeW, ³eLee: GÊejyebiee #es$eer³e
ieéceerCe yeQkeÀ, GÊej efyenej ieéceerCe yeQkeÀ SJeb meWìûe ceO³eheósMe ieéceerCe yeQkeÀ keÀer efJeÊeer³e efJeJejefCe³ee@ pees uesKeehejeref#ele veneR keÀer ieF& nQ, keÀer efJeÊeer³e
159
efJeJejefCe³ee@ nceW GheueyOe keÀjeF¥ nQ. Fb[es peeeqcye³ee yeQkeÀ efue., veece kesÀ men³eesieer kesÀ ceeceues ceW efpevekeÀer efjheese\ìie DeJeefOe kewÀueW[j Je<e& nw, keÀe ueeYeebMe,
31 efomecyej 2018 ³eeefve 9 ceen lekeÀ ner efue³ee ie³ee nw, pees 31 efomecyej 2018 keÀes meceehle Je<e& kewÀueW[j Je<e& keÀer uesKeehejeref#ele efJeÊeer³e efJeJejCeer hej
DeeOeeefjle nw SJeb 31 cee®e& 2019 keÀes meceehle 3 ceen keÀe pees ueeYe Fme nsleg efue³ee ie³ee nw GmekeÀe DeeOeej efyevee uesKeehejer#ee Jeeueer efJeÊeer³e efJeJejefCe³ee@ nQ
pees heýevOeve ves GheueyOe keÀjeF¥ nQ.
mecesefkeÀle efJeÊeer³e efJeJejCeer hej nceejer je³e SJeb nceejer efjheesì&, pene@ lekeÀ efkeÀ Fve men³eesefie³eeW Üeje Meeefceue jeefMe SJeb he´keÀìve keÀe mecyevOe nw, hetjer lejn
mes iewj uesKeehejeref#ele efJeÊeer³e efJeJejCeer hej DeeOeeefjle nw. nceejs efJe®eej mes SJeb yeQkeÀ heýevOeve Üeje oer peevekeÀejer SJeb mheäerkeÀjCe kesÀ Devegmeej, GÊeÀ keÀe
’mecetn“ hej keÀesF& leeeqlJekeÀ heÝeeJe veneR heæ[siee.
GÊeÀ ceeceues kesÀ mecyevOe ceW nceejer je³e DeeMeesefOele veneR nw.
5. heýevOe leb$e Üeje hesjeieéHeÀ 4 ceW Jee|Cele mel³eeefhele efJeÊeer³e efJeJejefCe³eeW SJeb Dev³e uesKee hejer#ekeÀeW keÀer efjheesìdme& keÀes O³eeve ceW jKeles ngS SJeb heýevOeve Üeje nceW efoS
mheäerkeÀjCe, nceejer je³e SJeb DeefOekeÀlece peevekeÀejer kesÀ Devegmeej, efJeJejCeer :
1) meceskeÀve ceW efvecve mebmLeeDeeW kesÀ heefjCeece Meeefceue nQ
(S) mene³ekeÀ kebÀheefve³ee@
(1) mesvì yeQkeÀ nesce HeÀe³eveWme efue.
(2) mesvì yeQkeÀ HeÀe³eveWefme³eue mee|Jemesme efue.
(yeer) men³eesieer
(1) mesvìûe ceO³eheósMe ieéceerCe yeQkeÀ, eEíoJeeæ[e
(2) GÊej efyenej ieéceerCe yeQkeÀ, cegpeHeÌHeÀjhegj
(3) GÊejyebiee #es$eer³e ieéceerCe yeQkeÀ, ketÀ®eefyenej
(4) Fb[es peeeqcye³ee yeQkeÀ efue., peeeqcye³ee
2) Fme mecyevOe ceW mesyeer (oeef³elJe met®eerye×lee SJeb DeeJeM³ekeÀleeDeeW keÀe he´keÀìve) efJeefve³eceve 2015 kesÀ efJeefve³eceve 33 keÀer DeeJeM³ekeÀleevegmeej he´mlegle efkeÀ³ee
ie³ee SJeb
3) 31 cee®e& 2019 keÀes meceehle Je<e& nsleg ’mecetn“ keÀer mecesefkeÀle efveJeue neefve SJeb Dev³e efJeÊeer³e peevekeÀejer hej mel³e SJeb efve<he#e efJe®eej keÀjW.


mLeeve : cegbyeF&
160
efoveebkeÀ 31 cee®e&, 2019 keÀes mecesefkeÀle legueve he$e

efJeJejCe Devegmet®eer meb. 31 cee®e& 2019 keÀes 31 cee®e& 2018 keÀes
` `
hetbpeer SJeb os³eleeSb
hetbpeer 1 4,04,72,014 2,61,81,558
heéjef#ele efveefOe³eeb SJeb DeefOeMes<e 2 15,13,62,928 15,59,23,052
DeuhemebK³ekeÀ y³eepe 2A 4,34,572 3,98,088
Mes³ej DeeJesove jeefMe Deeyebìve uebefyele 21,25,409 -
pecee jeefMe³eeb 3 3,00,31,13,856 2,95,35,44,875
GOeej jeefMe³eeb 4 5,63,96,659 6,02,56,819
Dev³e os³eleeSb SJeb heéJeOeeve 5 6,49,40,977 7,71,88,594
kegÀue 3,31,88,46,415 3,27,34,92,986
Deeeqmle³eeb
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heeme vekeÀoer SJeb Mes<e jeefMe 6 20,77,94,497 36,00,01,196
yeQkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe 7 10,51,81,420 3,26,22,898
efveJesMe 8 1,25,45,27,365 1,02,76,94,647
$eÝCe SJeb Deefieće 9 1,47,42,54,768 1,57,47,95,266
De®eue Deeeqmle³eeb 10 4,31,09,150 4,34,39,644
Dev³e Deeeqmle³eeb 11 23,38,90,319 23,48,50,439
meceskeÀve hej ieg[efJeue 88,896 88,896
kegÀue 3,31,88,46,415 3,27,34,92,986
DeekeÀeqmcekeÀ os³eleeSb 12 86,67,30,384 1,19,40,26,626
mebieńCe nsleg efyeue 16,24,73,915 14,48,60,670
cenlJehetCe& uesKeebkeÀve veerefle³eeb 17
uesKeebkeÀve kesÀ veesì 18
GÊeÀ meboe|Yele Devegmet®eer mecesefkeÀle leguevehe$e keÀe DeefveJee³e& Yeeie nw.

mLeeve: cegbyeF&
161
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS mecesefkeÀle ueeYe SJeb neefve Keelee
efJeJejCe Devegmet®eer meb. 31 cee®e& 2019 31 cee®e& 2018
` `
I. Dee³e
Dee|pele y³eepe SJeb ueeYeebMe 13 22,74,86,195 24,16,31,164
Dev³e Dee³e 14 2,41,63,327 2,62,04,076
kegÀue 25,16,49,522 26,78,35,240
II. J³e³e
heóÊe y³eepe 15 15,93,46,579 17,60,33,211
heefj®eeueve J³e³e 16 6,08,01,586 6,42,57,740
heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb 8,77,78,525 7,84,99,996
kegÀue 30,79,26,690 31,87,90,947
III. ueeYe/(neefve)
DeuheebMe y³eepe SJeb hetJee&JeefOe ceo kesÀ hetJe&, Je<e& keÀe cetue SJeb Deveg<ebeif e³eeW keÀe mecesekf eÀle Meg× ueeYe/(neefve) (5,62,77,168) (5,09,55,707)
Ieìe³eW:DeuheebMe y³eepe (57,943) (59,936)
DeuheebMe y³eepe SJeb hetJee&JeefOe ceo keÀes Ieìeves kesÀ he½eele, Je<e& keÀe mecesefkeÀle Meg× ueeYe/(neefve) (5,63,35,111) (5,10,15,643)
peesæ[s: SmeesefMeSìdme keÀer Dee³e ceW efnmmesoejer 1,65,860 (3,80,386)
mecetn kesÀ efueS ñeeslepev³e Je<e& kesÀ efueS mecesefkeÀle ueeYe/(neefve) (5,61,69,251) (5,13,96,029)
peesæ[s: mecetn kesÀ efueS ñeeslepev³e Je<e& keÀe Deeies uee³ee ie³ee mecesefkeÀle ueeYe/(neefve) (10,32,87,865) (5,08,85,164)
efJeefve³eespeve kesÀ efueS GheueyOe ueeYe (15,94,57,116) (10,22,81,193)
IV. efJeefve³eespeve
keÀes Debleefjle :
meebJeefOekeÀ Deejef#ele - -
efveJesMe Deejef#ele 5,63,762 9,18,685
jepemJe Deejef#ele 15,900 24,286
ueeYeebMe hej keÀj 10,730 6,555
efJeMes<e Deejef#ele 36(1)(viii) kesÀ Debleie&le 53,598 57,146
legueve he$e ceW uee³ee ie³ee Mes<e (16,01,01,106) (10,32,87,865)
kegÀue (15,94,57,116) (10,22,81,193)
heéfle Mes³ej Dee³e (©. ceW)- cetue (meeceev³e cetu³e ©. 10/- heéfle Mes³ej) (20.10) (26.52)
heéfle Mes³ej Dee³e (©. ceW)- [eu³etìs[ (meeceev³e cetu³e ©. 10/- heéfle Mes³ej) (20.10) (26.52)
efJeMes<e uesKeebkeÀve veerefle³eeb 17
uesKee keÀer efìhheefCe³eeb 18
Ghe³eg&ÊeÀ meboe|Yele mecesefkeÀle ueeYe SJeb neefve Keelee keÀe DeefYeVe Debie nw.
mLeeve: cegbyeF&
162
efoveebkeÀ 31 cee®e&, 2019 keÀes mecesefkeÀle leguevehe$e keÀer Devegmetef®e³eeb

efJeJejCe 31 cee®e& 2019 keÀes 31 cee®e& 2018 keÀes
` ` ` `
Devegmet®eer 1 : hetbpeer
heéefOeke=Àle hetbpeer 5,00,00,000 5,00,00,000
he´l³eskeÀ ©.10/- kesÀ 500,00,00,000 Mes³ej
efveie&efcele, DeefYeoÊe SJeb heóÊe hetbpeer 4,04,72,014 2,61,81,558
FeqkeÌJeìer Mes³ej he´l³eskeÀ ©.10/- kesÀ 2618155800 FeqkeÌJeìer Mes³ej
(iele Je<e& 1902170964 FeqkeÌJeìer Mes³ej)(meefnle kesÀvê mejkeÀej
Üeje Oeeefjle he´l³eskeÀ ©.10/- kesÀ 2262123970 FeqkeÌJeìer Mes³ej
(iele Je<e& 154613979 FeqkeÌJeìer Mes³ej)
kegÀue 4,04,72,014 2,61,81,558
Devegmet®eer 2 : heéjef#ele efveefOe³eeb SJeb DeefOeMes<e

I. meebefJeefOekeÀ heéjef#ele efveefOe³eeb
Je<e& kesÀ oewjeve heefjJeOe&ve - -
2,07,59,131 2,07,59,131
II. hetbpeeriele heéjef#ele efveefOe³eeb
i) hegvecet¥u³eve heéjef#ele efveefOe³eeb
Je<e& kesÀ oewjeve hegvecet&u³eve mes Je=ef× 91,575 -
IeìeSb: jepemJe SJeb Dev³e heéjef#ele efveefOe³eeW ceW DeblejCe (6,48,045) (7,51,349)
Je<e& kesÀ oewjeve keÀìewleer - -
3,07,45,959 3,13,02,429
ii) efveJesMe heéjef#ele efveefOe³eeb
Je<e& kesÀ oewjeve heefjJeOe&ve 5,63,762 9,18,685
1,16,55,145 1,10,91,383
III. Mes³ej heérefce³ece
Je<e& kesÀ oewjeve heefjJeOe&ve/mecee³eespeve 5,16,29,543 5,12,50,152
22,15,38,334 16,99,08,791
IV. jepemJe SJeb Dev³e heéjef#ele efveefOe³eeb
peesæ[s: hetbpeer jepemJe mes DeblejCe 6,48,045 7,51,349
Je<e& kesÀ oewjeve heefjJeOe&ve 22,859 24,286
IeìeSb : Je<e& kesÀ oewjeve keÀìewefle³eeb 2,283 -
(*) IeìeSb: DeejeqcYekeÀ Mes<e mecee³eespeve (1,10,503) (1,87,090)
2,54,80,952 2,49,18,268
V Oeeje 36 (1)(viii) kesÀ Debleie&le efJeMes<e jepemJe 12,84,513 12,30,915
VI. ueeYe SJeb neefve Keeles ceW Mes<e jeefMe (16,01,01,106) (10,32,87,865)
kegÀue 15,13,62,928 15,59,23,052
(*) ³en mecee³eespeve cegK³ele: #es.ieé.yeQ. kesÀ efheíues uesKeehejeref#ele heefjCeeceeW ceW heefjJele&ve nesves kesÀ keÀejCe efkeÀ³ee ie³ee. efheíues Je<e& keÀer mecesefkeÀle efJeÊeer³e efJeJejefCe³eeb, Ssmes
#es.ieé.yeQ. kesÀ DeuesKeehejeref#ele efJeÊeer³e heefjCeeceeW kesÀ DeeOeej hej lew³eej efkeÀ³ee ie³ee Lee.
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` ` ` `
Devegmet®eer 2 S : DeuhemebK³ekeÀ y³eepe
DeuhemebK³ekeÀ y³eepe Gme efoveebkeÀ keÀes peye cegK³e/Deveg<ebieer 24,500 24,500
mebyebOe mLeeefhele ngDee
DevegJeleea Je=ef×/keÀceer 4,10,072 3,73,588
legueve he$e kesÀ efoveebkeÀ keÀes DeuhemebK³ekeÀ y³eepe 4,34,572 3,98,088
Devegmet®eer 3 : peceejeefMe³eeb
S. I. ceebie peceejeefMe³eeb
i) yeQkeÀ mes 1,32,14,516 43,03,783
ii) Dev³e mes 15,08,78,553 14,24,78,002
16,40,93,069 14,67,81,785
II. ye®ele yeQkeÀ peceejeefMe³eeb 1,22,13,88,674 1,10,50,92,892
III. meeJeefOe peceejeefMe³eeb
i) yeQkeÀ mes 3,18,29,169 4,23,06,308
ii) Dev³e mes 1,58,58,02,944 1,65,93,63,890
1,61,76,32,113 1,70,16,70,198
kegÀue 3,00,31,13,856 2,95,35,44,875
yeer. i) Yeejle ceW eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb 3,00,31,13,856 2,95,35,44,875
ii) Yeejle kesÀ yeenj eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb - -
Devegmet®eer 4 : GOeej jeefMe

I. Yeejle ceW GOeej jeefMe³eeb
i) Yeejleer³e efj]peJe& yeQkeÀ - -
ii) Dev³e yeQkeÀ 37,50,514 29,07,191
iii) Dev³e mebmLeeve SJeb Speseqvme³eeb 29,55,145 41,08,628
iv) Deveejef#ele heéfleos³e yee@v[dme (ieewCe $eÝCe) 53,00,000 80,00,000
v) Dehej efì³ej II yee@v[dme 2,30,00,000 2,88,50,000
vi) veJeevces<e yesefce³eeoer $eÝCe efueKele 13,91,000 13,91,000
vi) Demegjef#ele hegve&cees®eveer³e Svemeer yeemeue III yee@C[me (ìer³ej II) 2,00,00,000 1,50,00,000
5,63,96,659 6,02,56,819
II. Yeejle kesÀ yeenj GOeejjeefMe³eeb - -
kegÀue 5,63,96,659 6,02,56,819
Devegmet®eer 5 : Dev³e os³eleeSb SJeb heéJeOeeve

I. os³e efyeue 64,54,286 69,18,635
II. Deblej-keÀe³ee&ue³e mecee³eespeve (Meg×) - 55,26,439
III. Gheef®ele y³eepe 83,71,940 77,60,143
IV. DeemLeefiele keÀj os³elee (Meg×) - -
V. Dev³e (heéJeOeeve meefnle) 5,01,14,751 6,49,40,977 5,69,83,377 7,71,88,594
kegÀue 6,49,40,977 7,71,88,594
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Devegmet®eer 6 : Yeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer SJeb Mes<e jeefMe
I. Ômles vekeÀoer (efJeosMeer cegêe meefnle) 1,33,78,811 1,50,56,892
II. Yeejleer³e efjpeJe& yeQkeÀ ceW Mes<e jeefMe
®eeuet KeeleeW ceW 14,04,15,686 13,59,44,304
Dev³e KeeleeW ceW 5,40,00,000 20,90,00,000
19,44,15,686 34,49,44,304
kegÀue 20,77,94,497 36,00,01,196
Devegmet®eer 7 : yeQkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe
I. Yeejle ceW
i) yeQkeÀeW kesÀ heeme Mes<e jeefMe
S) ®eeuet KeeleeW ceW 6,66,151 11,47,268
yeer) Dev³e pecee KeeleeW ceW 9,79,281 3,50,455
16,45,432 14,97,723
ii) ceebie Je Deuhe met®evee hej jeefMe
S) yeQkeÀeW kesÀ heeme 19,00,000 -
yeer) Dev³e mebmLeeDeeW kesÀ heeme 10,15,66,371 2,01,07,348
10,34,66,371 2,01,07,348
kegÀue. I 10,51,11,803 2,16,05,071
II. Yeejle kesÀ yeenj
S) ®eeuet KeeleeW ceW 69,582 -
yeer) Dev³e pecee KeeleeW ceW 35 68,427
meer) ceebie Je Deuhe met®evee hej jeefMe - 1,09,49,400
kegÀue. II 69,617 1,10,17,827
kegÀue..... (I + II) 10,51,81,420 3,26,22,898
Devegmet®eer 8 : efveJesMe
I. Yeejle ceW efveJesMe : *
i) mejkeÀejer heéfleYetefle³eeW ceW 96,23,57,875 81,34,68,949
ii) Dev³e Devegceesefole heéfleYetefle³eeb - -
iii) Mes³eme& 83,42,097 1,26,11,655
iv) ef[yeW®ej SJeb yeeb[dme 21,46,94,317 14,22,05,198
v) Deveg<ebefie³eeb SJeb heé³eesefpele mebmLeeve 32,78,914 32,44,310
vi) Dev³e (³etìerDeeF& Mes³eme& SJeb JeeefCeeqp³ekeÀ hesheme& c³et®egDeue 6,43,84,140 5,48,28,052
HebÀ[ ³etefveìdme Deeefo
1,25,30,57,343 1,02,63,58,164
II. Yeejle kesÀ yeenj efveJesMe **
i) mejkeÀejer heéfleYetefle³eeW ceW - -
ii) SMeesefmeSìdme ceW efveJesMe 14,70,022 13,36,483
14,70,022 13,36,483
kegÀue 1,25,45,27,365 1,02,76,94,647
* Yeejle ceW efveJesMe :
efveJesMe keÀe mekeÀue cetu³e 1,29,22,69,548 1,05,29,88,662
IeìeSb: cetu³eÛeme nsleg heéJeOeeve 3,92,12,205 2,66,30,498
Meg× efveJesMe 1,25,30,57,343 1,02,63,58,164
** Yeejle kesÀ yeenj efveJesMe :
efveJesMe keÀe mekeÀue cetu³e 14,70,237 13,36,698
IeìeSb: cetu³eÛeme nsleg heéJeOeeve 215 215 1,256,129
Meg× efveJesMe 14,70,022 13,36,483
kegÀue 1,25,45,27,365 1,02,76,94,647
165

` ` ` `
Devegmet®eer 9 : $eÝCe SJeb Deefieće
S. i) Kejeros ieS SJeb YegveeS ieSs efyeue 1,11,08,722 1,21,08,770
ii) vekeÀo GOeej, DeesJej [êHeÌì SJeb ceebie hej heéfleos³e $eÝCe 70,62,78,283 70,67,85,403
iii) ceer³eeoer $eÝCe 75,68,67,763 1,47,42,54,768 85,59,01,093 1,57,47,95,266
kegÀue 1,47,42,54,768 1,57,47,95,266
yeer. DeefiećeeW keÀe efJeJejCe
i) cetle& Deeeqmle³eeW Üeje jef#ele (yener $eÝCe kesÀ mece#e DeefiećeeW meefnle) 1,38,05,44,844 1,47,39,79,953
ii) yeQkeÀ/mejkeÀejer ieejbìer Üeje jef#ele 71,60,273 41,63,297
iii) Dejef#ele 8,65,49,651 1,47,42,54,768 9,66,52,016 1,57,47,95,266
kegÀue 1,47,42,54,768 1,57,47,95,266
meer. DeefiećeeW keÀe Keb[Jeej JeieeakeÀjCe
(I) Yeejle ceW Deefieće
i) heéLeefcekeÀlee heéhle #es$e 78,08,25,482 79,61,05,458
ii) meeJe&peefvekeÀ #es$e 4,18,77,509 4,39,19,258
iii) yeQkeÀ 11,452 1,643
iv) Dev³e 65,15,40,325 1,47,42,54,768 73,47,68,907 1,57,47,95,266
kegÀue 1,47,42,54,768 1,57,47,95,266
(II) Yeejle kesÀ yeenj Deefieće - -
Devegmet®eer 10 : De®eue Deeeqmle³eeb

I. heefjmej
( ueeiele/hegvecet&u³eebefkeÀle ueeiele hej )
Je<e& kesÀ oewjeve heefjJeOe&ve (hegvecet&u³eebkeÀ meefnle) 14,580 1,99,464
kegÀue 4,03,42,581 4,03,28,001
Je<e& kesÀ oewjeve keÀceer / mecee³eespeve 1,13,186 -
kegÀue 4,02,29,395 4,03,28,001
Fme efoveebkeÀ keÀes cetu³eÛeme 73,27,018 67,85,203
kegÀue I 3,29,02,377 3,35,42,798
II. Dev³e De®eue Deeeqmle³eeb
(HeÀveea®ej SJe peg[veej meefnle)
Je<e& kesÀ oewjeve heefjJeOe&ve/mecee³eespeve 27,59,755 34,89,485
kegÀue 3,18,51,533 2,98,62,969
Je<e& kesÀ oewjeve keÀceer / mecee³eespeve (6,07,444) (7,71,191)
kegÀue 3,12,44,089 2,90,91,778
Fme efoveebkeÀ keÀes cetu³eÛeme 2,10,37,316 1,91,94,932
kegÀue II 1,02,06,773 98,96,846
kegÀue…. (I + II) 4,31,09,150 4,34,39,644
166

` ` ` `
Devegmet®eer 11 : Dev³e Deeeqmle³eeb
I. Gheef®ele y³eepe 1,85,19,612 1,68,33,027
II. Deefieće keÀj Yegieleeve/ñeesle hej keÀeìe ie³ee keÀj (Meg× heéJeOeeve) 5,16,70,499 5,35,02,038
III. mìsMevejer SJeb mìeche 2,01,811 1,99,846
IV. DeemLeefiele keÀj Deeeqmle³eeb 7,88,21,035 5,35,75,850
V. Deblej keÀe³ee&ue³e mecee³eespeve (Meg×). 12,55,927 -
VI. Dev³e 8,34,21,435 11,07,39,678
23,38,90,319 23,48,50,439
kegÀue 23,38,90,319 23,48,50,439
Devegmet®eer 12 : DeekeÀeqmcekeÀ os³eleeSb

I. (S) yeQkeÀ kesÀ efJeª× oeJes efpevnW $eÝCe kesÀ ªhe ceW veneR ceevee 10,54,991 11,06,450
ie³ee nw
(yeer) Deheerue, mebMeesOeve Deeefo kesÀ Debleie&le efJeJeeefole Dee³ekeÀj 2,57,34,915 2,98,42,036
ceebie
II. DeebefMekeÀ heóÊe efveJesMeeW kesÀ efueS os³elee 52,498 76,140
III. yekeÀe³ee Jee³eoe efJeosMeer cegêe mebefJeoeDeeW kesÀ keÀejCe os³elee 64,44,32,269 92,83,13,329
IV. ieénkeÀeW keÀer Deesj mes heóÊe ieejbìer
S) Yeejle ceW 11,56,86,575 10,44,10,635
yeer) Yeejle kesÀ yeenj 71,56,062 28,39,496
12,28,42,637 10,72,50,131
V. mJeerke=Àefle³eeb, he=ÿebkeÀve leLee Dev³e oeef³elJe 6,61,57,213 12,30,09,267
VI. Dev³e ceoW, efpevekesÀ efueS yeQkeÀ DeekeÀeqmcekeÀ ªhe mes osveoej nw 64,55,861 44,29,273
kegÀue 86,67,30,384 1,19,40,26,626
167
efoveebkeÀ 31 cee®e& 2019 keÀes meceehle Je<e& kesÀ efueS mecesefkeÀle ueeYe SJeb neefve Keeles keÀer Devegmetef®e³eeb
efJeJejCe 31 cee®e& 2019 31 cee®e& 2018
` `
Devegmet®eer 13 : Dee|pele y³eepe SJeb ueeYeebMe
I. DeefiećeeW/efyeueeW hej y³eepe/ yeÆe 13,05,38,318 14,60,09,458
II. efveJesMeeW hej Dee³e 8,46,02,032 7,14,27,065
III. Yeejleer³e efjpeJe& yeQkeÀ SJeb Dev³e Deblej-yeQkeÀ efveefOe³eeW Mes<e jeefMe hej y³eepe 87,28,057 2,05,85,442
IV. Dev³e 36,17,788 36,09,199
kegÀue 22,74,86,195 24,16,31,164
Devegmet®eer 14 : Dev³e Dee³e

I. keÀceerMeve, efJeefvece³e SJeb oueeueer 1,20,69,533 1,26,57,307
II. efveJesMeeW keÀer efye¬eÀer hej ueeYe/(neefve) (Meg×) 21,51,879 57,66,755
III. efJeefvece³e uesveosveeW hej ueeYe / (neefve) (Meg×) 14,04,372 14,09,054
IV. Yetefce, YeJeve SJeb Dev³e Deeeqmle³eeW keÀer efye¬eÀer mes ueeYe /(neefve) (44,269) (44,917)
V. Yeejle/efJeosMeeW ceW eqmLele Deveg<ebefie³eeW SJeb men³eesefie³eeW mes ueeYeebMe kesÀ ªhe ceW Dee|pele Dee³e - -
VI. efJeefJeOe Dee³e 85,81,812 64,15,877
kegÀue 2,41,63,327 2,62,04,076
Devegmet®eer 15 : heóÊe y³eepe

I. peceeDeeW hej y³eepe 15,27,48,176 16,22,07,541
II. Yeejleer³e efjpeJe& yeQkeÀ/Deblej yeQkeÀ GOeej hej y³eepe 7,43,715 9,11,046
III. Dev³e 58,54,688 1,29,14,624
kegÀue 15,93,46,579 17,60,33,211
Devegmet®eer 16 : heefj®eeueve J³e³e

I. keÀce&®eeefj³eeW keÀes Yegieleeve SJeb GvekesÀ efueS heéJeOeeve 3,57,44,821 3,99,00,472
II. efkeÀje³ee, keÀj SJeb efyepeueer 47,40,970 47,66,150
III. cegêCe SJeb uesKevemeeceieér 2,89,078 3,63,888
IV. efJe%eeheve SJeb he´®eej- he´meej 1,06,284 2,41,820
V. yeQkeÀ keÀer mebheefÊe hej cetu³eneme 27,79,348 26,04,989
VI. efveosMekeÀeW keÀer HeÀerme, YeÊes SJeb Ke®eX 18,525 13,930
VII. uesKeehejer#ekeÀeW keÀer HeÀerme SJeb Ke®ex (MeeKee uesKeehejer#ekeÀeW meefnle) 3,05,825 2,01,056
VIII. efJeefOe heÝeej 1,81,712 1,86,076
IX. [ekeÀ, leej, ìsueerHeÀesve Fl³eeefo 9,01,393 6,65,475
X. cejccele SJeb jKejKeeJe 9,90,100 11,33,762
XI. yeÆeke=Àle DeMeesO³e $eÝCe 3,757 731
XII. yeercee 30,01,136 35,72,072
XIII. Dev³e J³e³e 1,17,38,637 1,06,07,319
kegÀue 6,08,01,586 6,42,57,740
168
Devegmet®eer 17 – mecesefkeÀle KeeleeW keÀer cenÊJehetCe& uesKeebkeÀve veerefle³eeb

1. S) lew³eej keÀjves keÀe DeeOeej :
mebueive mecesefkeÀle efJeÊeer³e efJeJejefCe³eeb (meerSHeÀSme) ueeYekeÀejer keÀejesyeej Jeeues mebmLeeve keÀer DeJeOeejCee keÀe DevegmejCe keÀjles ngS, heefjmejeW kesÀ hetvecet&u³eve
kesÀ ceeceueeW keÀes íesæ[ keÀj hejbhejeiele ueeiele efme×eble hej lew³eej keÀer ieF& nQ. SJeb meYeer leeeqlJekeÀ henuegDeeW kesÀ mebyebOe ceW Jes Yeejle ceW meeceev³ele³ee mJeerke=Àle
uesKeebkeÀve efme×ebleeW (peerSSheer) kesÀ Devegªhe nw, efpeveceW ueeiet meebefJeefOekeÀ heéJeOeeve (peneb ueeiet neW) yeQkeÀkeÀejer efJeefve³eceve DeefOeefve³ece 1949, jeäêr³e DeeJeeme
yeQkeÀ DeefOeefve³ece, 1987, DeeJeeme efJeÊe kebÀheveer (SveS®eyeer) DevegosMe 2010, kebÀheveer DeefOeefve³ece 2013, kesÀ heéJeOeeveeW meefnle Yeejleer³e efjpeJe& yeQkeÀ
Üeje efJeefvee|oä efJeefve³eecekeÀ ceeveob[eW, uesKeebkeÀve ceevekeÀeW (SSme) leLee Fbmìerìîetì Dee@HeÀ ®eeì&[& DekeÀeGvìWìmed Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer
GoIees<eCeeSb leLee Yeejle kesÀ yeQeEkeÀie GÐeesie ceW he´®eefuele he´LeeSb meceeefJeä nQ.
yeer) heékeÌkeÀueveeW keÀe Ghe³eesie :
mecesefkeÀle efJeÊeer³e efJeJejCeeW keÀes lew³eej keÀjves ceW efJeÊeer³e efJeJejCe keÀer efleefLe keÀes metef®ele Deeeqmle³eeW SJeb os³eleeDeeW (DeekeÀeqmcekeÀ os³eleeDeeW meefnle) keÀer jeefMe
leLee efjheese\ìie Je<e& kesÀ oewjeve metef®ele Dee³e SJeb J³e³e hej efJe®eej keÀjles ngS heýebOeleb$e kesÀ heékeÌkeÀueveeW Deewj hetJee&vegceeve keÀer DeeJeM³ekeÀlee nesleer nw. heýebOeleb$e
keÀes ³en efJeéeeme neslee nw efkeÀ efJeÊeer³e efJeJejCeeW keÀer lew³eejer ceW Ghe³eesie efkeÀS ieS heékeÌkeÀueve efJeJeskeÀmeccele SJeb mecegef®ele nQ. DeekeÀeqmcekeÀleeSb leye ope& keÀer
peeleer nQ peye efkeÀmeer os³elee kesÀ GlheVe nesves keÀer mebYeeJevee nes leLee GmekeÀer jeefMe keÀe leke&Àmebiele DeekeÀueve efkeÀ³ee pee mekeÀlee nes.
2. meceskeÀve heéfkeÀ³ee
2.1 mecetn (2 Deveg<ebefie³eeW SJeb 4 DemeesefMeSìdme kesÀ meeLe [3 #es$eer³e ieéceerCe yeQkeÀeW meefnle]) kesÀ mecesefkeÀle efJeÊeer³e efJeJejCeeW keÀes efvecveefueefKele
DeeOeej hej lew³eej efkeÀ³ee ie³ee nw:
S. mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (cetue yeQkeÀ) keÀer uesKeehejeref#ele efJeÊeer³e efJeJejefCe³eeb
yeer. DeeF&meerSDeeF& Üeje peejer uesKeebkeÀve ceevekeÀ-21 ’mecesefkeÀle efJeÊeer³e efJeJejCeeW“ kesÀ Devegmeej, meYeer cenÊJehetCe& Deble:mecetn Mes<eeW/uesveosveeW, iewj Jemetues
ueeYe/neefve³eeW keÀes meceehle keÀjves kesÀ he½eele SJeb Fve Deveg<ebefie³eeW mes GvekesÀ mecyebefOele uesKeehejer#ekeÀeW Üeje efJeefOeJele uesKeehejeref#ele DeebkeÀæ[eW kesÀ DeeOeej
hej cetue yeQkeÀ keÀer meceªhe uesKeebkeÀve veerefle³eeW kesÀ Devegªhe, peneb keÀneR DeeJeM³ekeÀ jne nw, keÀe mecee³eespeve keÀjves kesÀ yeeo Deeeqmle³eeW, os³eleeDeeW, Dee³e
SJeb J³e³e keÀer mebiele ceoeW kesÀ meeLe hebefÊeÀ oj hebefÊeÀ meceskeÀve efkeÀ³ee ie³ee nw.
meer. DemeesefMeSìdme ceW efveJesMe, peneb mecetn kesÀ heeme 20% DeLeJee Gmemes DeefOekeÀ keÀe celeoeve DeefOekeÀej heéhle nw Deewj Fmes DeeF&meerSDeeF& Üeje peejer
uesKeebkeÀve ceevekeÀ-23 ’mecesefkeÀle efJeÊeer³e efJeJejCeeW ceW DemeesefMeSìdme ceW efveJesMe kesÀ efueS uesKeebkeÀve“ kesÀ Devegmeej FeqkeÌJeìer heĆeeueer keÀe Ghe³eesie keÀjves
kesÀ efueS efvekeÀeuee ie³ee nw leLee peneb mecee³eespeve keÀjvee DeeJeM³ekeÀ ngDee nw, mecee³eespeve keÀjves kesÀ he½eele cetue yeQkeÀ keÀer SkeÀªhe uesKeebkeÀve veerefle³eeW
kesÀ meceveªhe. Fb[es peeeqcye³ee yeQkeÀ efueefceìs[, SkeÀ DemeesefMeSìdme, keÀer efJeÊeer³e efJeJejefCe³eeb mLeeveer³e efJeefve³eecekeÀ DeeJeM³ekeÀleeDeeW/Debleje&äêr³e efJeÊeer³e
efjheese\ìie ceevekeÀeW kesÀ Devegªhe lew³eej keÀer ieF& nQ. Fve DemeesefMeSìdme mes heéhle efJeÊeer³e efJeJejefCe³eeb ner GvekesÀ Fve meceefkeÀle efJeJejefCe³eeW ceW meceeJesMeve keÀe
mebhetCe& DeeOeej lew³eej keÀjleer nQ
[er. DemeesefMeSìdme DeLee&le Fb[es peebefye³ee yeQkeÀ keÀe uesKeebkeÀve Je<e& kewÀuesv[j Je<e& nw. ³eefo DemeesefMeSìdme keÀe uesKeebkeÀve Je<e& Deiej cetue yeQkeÀ mes efYeVe nesves kesÀ
ceeceueeW ceW, uesKeehejeref#ele DeJeefOe kesÀ uesKeehejeref#ele DeebkeÀæ[eW kesÀ DeeOeej hej ueeYe keÀe DeevegheeeflekeÀ efnmmee efue³ee pee³e SJeb iewj uesKeehejeref#ele DeJeefOe
kesÀ efueS, iewj uesKeehejeref#ele DeebkeÀæ[eW kesÀ DeeOeej hej ueeYe keÀe efnmmee efue³ee pee³e.
F&. ³en mecesefkeÀle efJeÊeer³e efJeJejCe, uesveosve SJeb meceeve leL³eeW kesÀ Dev³e ceeceueeW kesÀ efueS Ghe³eesie keÀer pee jner SkeÀue uesKeebkeÀve veerefle³eeW hej lew³eej efkeÀ³ee
ie³ee nw leLee Dev³e efJeJejCeeW keÀes íesæ[keÀj keÀcheveer kesÀ Deueie efJeÊeer³e efJeJejCeeW kesÀ Devegmeej meceeve jerefle ceW ³eLeemecYeJe he´mlegle efkeÀ³ee ie³ee nw.
2.2 mecesefkeÀle Deveg<ebefie³eeW keÀer efveJeue Deeeqmle³eeW ceW ceeFvee@efjìer efnleeW ceW efvecve Meeefceue nw
i. Deveg<ebieer ceW efkeÀS ieS efveJesMe keÀer efleefLe keÀes ceeFvee@efjìer keÀes Deejesh³e FeqkeÌJeìer keÀer jeefMe, SJeb
ii. cetue yeQkeÀ SJeb Deveg<ebieer kesÀ mecyebOe DeeqmlelJe ceW Deeves keÀer efleefLe mes FeqkeÌJeìer ceW ceeFvee@efjìer kesÀ efnmmes ceW meb®eueve.
3. efJeosMeer cegêe mes mecyebefOele uesve-osve :
3.1 uesveosveeW keÀes heéjcYe ceW efheíueer efleefLe keÀer meceeeqhle oj hej ope& efkeÀ³ee peelee nw.
169
3.2 efJeosMeer cegêeDeeW ceW ceewefêkeÀ Deeeqmle³eeW Je os³eleeDeeW keÀe efveOee&jCe HeÀeFveQefMe³eue yeW®eceeke&À Fbef[³ee heé. efue. (efHeÀefyeue) Üeje efleceener keÀer meceeeqhle hej
DeefOemetef®ele he´®eefuele efJeefvece³e oj hej efkeÀ³ee peelee nw leLee heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve Keeles ceW oMee&³ee peelee nw.
3.3 Dee³e SJeb J³e³e keÀer ceoeW keÀe efveOee&jCe uesve-osve keÀer leejerKe keÀes ueeiet efJeefvece³e ojeW hej efkeÀ³ee peelee nw.
3.4 efJeosMeer cegêe ceW ieejbìer, meeKehe$e, mJeerke=Àefle³eeb, he=ÿebkeÀve, leLee Dev³e oeef³elJe Je<e& keÀer meceeeqhle hej efHeÀefyeue Üeje DeefOemetef®ele ojeW hej efveOee&efjle keÀer peeleer
nQ.
3.5 yekeÀe³ee Jee³eoe mebefJeoeSb Je<e& keÀer meceeeqhle hej efHeÀefyeue Üeje DeefOemetef®ele ojeW hej efveOee&efjle keÀer peeleer nQ Deewj heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve
Keeles ceW oMee&³ee peelee nw.
4. efveJesMe :
(S) cetue yeQkeÀ :
4.1 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMee-efveoxMeeW kesÀ Devegmeej efveJesMeeW keÀes ’heefjhekeÌJelee lekeÀ Oeeefjle“, ’J³eeheej nsleg Oeeefjle“ leLee ’efJe¬eÀ³e kesÀ efueS
GheueyOe“ ÞesefCe³eeW ceW Jeieeake=Àle efkeÀ³ee ie³ee nw. leLeeefhe, leguevehe$e ceW oMee&ves kesÀ efueS efveJesMeeW keÀes efvecve Meer<e&keÀeW kesÀ Debleie&le Jeieeake=Àle efkeÀ³ee ie³ee nw
i. mejkeÀejer heéfleYetefle³eeb
ii. Dev³e Devegceesefole heéfleYetefle³eeb
iii. Mes³eme&
iv. ef[yeW®eme& SJeb yee@C[med
v. Deveg<ebieer SJeb heé³eesefpele mebmLeeveeW ceW efveJesMe SJeb
vi. Dev³e (JeeefCeeqp³ekeÀ heshej SJeb c³et®³egDeue HebÀ[ keÀer ³etefveìdme Fl³eeefo).
4.2 JeieeakeÀjCe keÀe DeeOeej :
Kejero kesÀ mece³e efveJesMe keÀe JeieeakeÀjCe efvecve ÞesefCe³eeW ceW efkeÀ³ee peelee nw :
i) heefjhekeÌJelee lekeÀ Oeeefjle
FveceW Jes efveJesMe Meeefceue nQ, efpevnW yeQkeÀ heefjhekeÌJelee lekeÀ jKevee ®eenlee nw. Deveg<ebieer SJeb men³eesieerceW efveJesMe keÀes Yeer ’heefjhekeÌJelee lekeÀ Oeeefjle“ kesÀ
Debleie&le ÞesCeerke=Àle efkeÀ³ee peelee nw.
ii) J³eeheej kesÀ efueS Oeeefjle
heéfleYetefle³eeb, pees cegK³e ªhe mes Kejero keÀer leejerKe mes 90 efoveeW kesÀ Yeerlej hegve: efye¬eÀer kesÀ efueS jKeer peeleer nQ.
iii) efJe¬eÀ³e kesÀ efueS GheueyOe
Jes efveJesMe pees Ghe³eg&ÊeÀ oes ÞesefCe³eeW ceW Jeieeake=Àle veneR efkeÀS pee mekeÀles nQ.
4.3 ÞesefCe³eeW kesÀ yeer®e heéfleYetefle³eeW keÀe DeblejCe
Fme ÞesCeer ceW Jeieeake=Àle heéfleYetefle³eeW keÀe leerve ÞesefCe³eeW kesÀ yeer®e DeblejCe / heefjJele&ve keÀes DeblejCe efoveebkeÀ keÀes DeefOeieńCe ueeiele/yener cetu³e ceW mes pees Yeer keÀce
nes, hej uesKeeiele efkeÀ³ee peelee nw Ssmes Deblej ceW ³eefo keÀesF& cetu³eÛeme nes lees GmekeÀe hetCe& heéJeOeeve efkeÀ³ee peelee nw.
4.4 cetu³eefveOee&jCe :
S) heefjhekeÌJelee lekeÀ Oeeefjle :
Fme ÞesCeer kesÀ Debleie&le Jeieeake=Àle efveJesMe keÀes DeefOeieńCe ueeiele hej cetu³eebefkeÀle efkeÀ³ee peelee nw. DebefkeÀle cetu³e mes DeefOekeÀ DeefOeieńCe ueeiele/yener cetu³e
kesÀ DeeefOekeÌ³e keÀes heefjhekeÌJelee keÀer Mes<e DeJeefOe kesÀ efueS heefjMeesefOele efkeÀ³ee peelee nw.
Deveg<ebieer SJeb men³eesieer ceW efveJesMe keÀe cetu³eebkeÀve, Deueie-Deueie he´l³eskeÀ efveJesMe kesÀ efueS, DemLee³eer he´ke=Àefle kesÀ DeueeJee, Ûeme kesÀ keÀce keÀj jKeeJe
ueeiele hej efkeÀ³ee peelee nw.
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yeer) efJe¬eÀ³e kesÀ efueS GheueyOe :

Fme ÞesCeer kesÀ Debleie&le efveJesMeeW keÀes efleceener Deblejeue hej eqm¬eÀheJeej yeepeej kesÀ efueS efvecveJele ef®eeqvnle efkeÀ³ee peelee nw :
i) kesÀvê mejkeÀej keÀer heéfleYetefle³eeb mìe@keÀ SkeÌme®eWpe/ HeÀeFveQefMe³eue yeW®eceeke&À Fbef[³ee heé. efue. (efHeÀefyeue) Üeje Ieesef<ele keÀesìsMeve kesÀ
Devegmeej yeepeej cetu³e hej
ii) jep³e mejkeÀej keÀer heéfleYetefle³eeb, kesÀvê/ heefjhekeÌJelee Dee³e hej efJeefve³eespeve kesÀ DeeOeej hej
jep³e mejkeÀej Üeje ieejvìerke=Àle
heéfleYetefle³eeb, heerSme³et yee@C[
iii) ì^spejer efyeue/pecee-hećeeCehe$e/ jKeeJe ueeiele hej
JeeefCeeqp³ekeÀ heshej
iv) FeqkeÌJeìer Mes³ej S) G×=le : yeepeej cetu³e hej
yeer) Deveg×=le : heéfle Mes³ej yener cetu³e hej, ³eefo, veJeervelece (SkeÀ Je<e& mes DeefOekeÀ hegjevee veneR)
leguevehe$e GheueyOe nes, ³ee ` 1.00 heéfle kebÀheveer, ³eefo veJeervelece leguevehe$e
GheueyOe ve nes.
v) DeefOeceeveer Mes³ej S) G×=le : yeepeej cetu³e hej
vi) ef[yeW®ej SJeb yee@C[ S) G×=le : (efheíues 15 efoveeW ceW J³eeheej efkeÀS ieS) yeepeej cetu³e hej
vii) c³eg®³egDeue HebÀ[ S) G×=le : yeepeej cetu³e hej
yeer) Deveg×=le : hegveë ¬eÀ³e cetu³e hej ³ee Meg×Deeeqmle cetu³e (peneb hegveë ¬eÀ³e cetu³e GheueyOe ve nes)
viii) JeW®ej hetbpeer Ieesef<ele Meg× heefjmecheefÊe cetu³e DeLeJee uesKee hejeref#ele legueve-he$e kesÀ DeeOeej hej, Meg× heefjmecheefÊe
kesÀ ye´skeÀ-Dehe DeebkeÀæ[s, peesefkeÀ 18 ceen mes hegjeves ve neW. ³eefo Meg× heefjmebheefÊe cetu³e / uesKee
hejeref#ele efJeÊeer³e heefjCeece ueieeleej 18 ceen mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS GheueyOe ve neW, leye
heéfle JeW®ej hetbpeer efveefOe (JeermeerS) kesÀ efueS `1/-
ix heéfleYetefle heéeqhle³eeb (SmeDeej) Smeyeer /SDeejmeer Üeje metef®ele Deeeqmle cetu³e hej
heéfleYetefle kesÀ yener cetu³e keÀes mecee³eesefpele efkeÀS yeiewj, he´l³eskeÀ JeieeakeÀjCe kesÀ Debleie&le Meg× cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw SJeb Meg× cetu³e Je=ef×
keÀes ieCevee ceW veneR efue³ee ie³ee nw.
meer) J³eeheej kesÀ efueS Oeeefjle :
Fme ÞesCeer kesÀ Debleie&le Jeieeake=Àle efveJesMeeW keÀe cetu³eebkeÀve ceeefmekeÀ Deblejeue hej yeepeej ojeW hej, peneb GheueyOe nQ, DeLeJee HeÀeFveQefMe³eue yeW®eceeke&À
Fbef[³ee heé. efue. (efHeÀefyeue) Üeje Ieesef<ele cetu³eeW hej efkeÀ³ee peelee nw. heéfleYetefle kesÀ yener cetu³e keÀes mecee³eesefpele efkeÀS yeiewj he´l³eskeÀ JeieeakeÀjCe kesÀ Debleie&le
Meg× cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw SJeb Meg× cetu³e Je=ef× nw, keÀes ieCevee ceW veneR efue³ee ie³ee nw.
4.5 ueeiele efveOee&jCe :
i) efveJesMe keÀer ueeiele keÀe efveOee&jCe Yeeefjle Deewmele ueeiele kesÀ DeeOeej hej efkeÀ³ee peelee nw.
ii) heéfleYetefle³eeW keÀer Kejero hej heéhle yeéskeÀjspe, heéslmeenve, heéjeqcYekeÀ MegukeÀ Fl³eeefo keÀes efveJesMe keÀer ueeiele ceW mes Ieìe³ee peelee nw.
iii) heéfleYetefle³eeW kesÀ DeefOeieńCe hej nesves Jeeues Ke®e& ³eLee yeéskeÀjspe, MegukeÀ, keÀceerMeve DeLeJee keÀjeW keÀes jepemJe hej heÝeeefjle efkeÀ³ee peelee nw.
4.6 Dee³e efveOee&jCe :
i. efveJesMeeW keÀer efye¬eÀer/heéfleoeve hej ueeYe DeLeJee neefve keÀes ueeYe SJeb neefve Keeles ceW efue³ee ie³ee nw. leLeeefhe ’heefjhekeÌJelee kesÀ efueS Oeeefjle“ ÞesCeer kesÀ
efveJesMeeW keÀer efye¬eÀer/heéfleoeve hej ueeYe kesÀ ceeceues ceW, mecelegu³e jeefMe ’hetbpeer heéjef#ele efveefOe“ ceW efJeefve³eesefpele keÀer ie³eer nw.
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ii. efveJesMeeW keÀer leerve ÞesefCe³eeW ceW mes efkeÀmeer ceW Yeer Meeefceue heéfleYetefle³eeW kesÀ mecyebOe ceW, peneb y³eepe/cetue Oeve 90 efove mes DeefOekeÀ mece³e kesÀ efueS yekeÀe³ee
nw, Jeneb Dee³e keÀer ieCevee veneR keÀer ieF& nw leLee iewj efve<heeokeÀ DeefiećeeW hej ueeiet efJeJeskeÀhetCe& ceeveob[eW kesÀ Devegmeej efkeÀS ieS efveJesMeeW kesÀ cetu³eÛeme nsleg
Ghe³egÊeÀ heéJeOeeve efkeÀ³ee ie³ee nw. Deefieće keÀer he´ke=Àefle kesÀ ef[yeW®ej/yee@C[, DeefiećeeW hej ueeiet meeceev³e efJeJeskeÀhetCe& ceeveob[eW kesÀ DeOeerve jKes ieS nQ.
iii. jep³e mejkeÀej Üeje ieejbìerke=Àle $eÝCe keÀes DeJeceevekeÀ/mebefoiOe/neefve, pewmee Yeer ceeceuee nes, kesÀ meeLe ceW Jeieeake=Àle efkeÀ³ee peelee nw ³eefo yeQkeÀ keÀes
os³e y³eepe SJeb/DeLeJee cetue Oeve ³ee Dev³e keÀesF& jeefMe 90 efove mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e nes efJeJeskeÀmeccele ceeveob[eW kesÀ Devegmeej
DeeJeM³ekeÀ heéJeOeeve efkeÀ³es ieS neW DeLeJee mece³e mece³e hej Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efkeÀS ieS efoMeeefveoxMeeW kesÀ Devegmeej Dev³eLee DeeJeM³ekeÀ
neW.
iv. heéfleYetefle³eeW kesÀ ¬eÀ³e ³ee efye¬eÀer hej Kebef[le DeJeefOe kesÀ y³eepe keÀes Dee³e ceo ceevee ie³ee nw.
4.7 jshees/efjJeme& jshees kesÀ efueS uesKeebkeÀve Deewj ®eueefveefOe mecee³eespeve megefJeOee (SueSSHeÀ):
YeeefjyeQ kesÀ meeLe SueSSHeÀ meefnle jshees Deewj efjJeme& jshees kesÀ Debleie&le mencele MeleeX hej yes®eer/Kejeroer ieF& heéfleYetefle³eeW kesÀ hegveKe&jero/hegvee|Je¬eÀ³e kesÀ DevegyebOe keÀes
GOeej/$eÝCe kesÀ ªhe ceW ceev³e efkeÀ³ee peelee nw.
(yeer) Deveg<ebefie³eeb
4.8 Deveg<ebefie³eeW kesÀ ceeceueeW ceW, efveJesMeeW keÀes ®eeuet SJeb iewj ®eeuet efveJesMeeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw. ®eeuet efveJesMe efvecve ueeiele DeLeJee yeepeej cetu³e hej
efkeÀS peeles nQ SJeb iewj ®eeuet efveJesMe ueeiele hej efkeÀS peeles nw. ³eefo cetu³e ceW Ûeme mLee³eer he´ke=Àefle keÀer nw lees Ûeme kesÀ efueS heéJeOeeve, ³eefo nw lees iewj ®eeuet
efveJesMe kesÀ cetu³e hej ner efkeÀ³ee peelee nw.
5. [sefjJesefìJpe :
5.1 efJeÊeer³e neefve mes ye®eeJe-J³eJemLee kesÀ efueS he´³egÊeÀ [sefjJesefìJpe keÀes efvecveevegmeej uesKeebkeÀve efkeÀ³ee ie³ee nw.
i. Ssmes ceeceueeW ceW, efpeveceW Deblee|veefnle Deeeqmle³eeb/os³eleeSb yeepeej keÀes ef®eeqvnle nQ, heefjCeeceer ueeYe/neefve keÀes ueeYe SJeb neefve Keeles ceW efue³ee ie³ee nw.
ii. peneb Deblee|veefnle Deeeqmle³eeb/os³eleeSb yeepeej cetu³e keÀes ef®eeqvnle veneR keÀer ieF& nQ Gve ceeceueeW ceW, y³eepe oj mJewhe, pees y³eepe Oeeefjle Deeeqmle³eeW/os³eleeDeeW
keÀe efJeÊeer³e neefve mes ye®eeJe keÀjles nQ, GvnW Gheef®ele DeeOeej hej uesKeeiele efkeÀ³ee ie³ee nw.
iii. mJewhe meceeeqhle hej ngS ueeYe DeLeJee neefve keÀes mJewhe kesÀ Mes<e mebefJeoeiele DeJeefOe DeLeJee Deeeqmle³eeW/os³eleeDeeW keÀer Mes<e DeJeefOe ceW mes, pees Yeer keÀce nes,
kesÀ DeeOeej hej efveOee&efjle efkeÀ³ee peelee nw.
5.2 J³eeheej kesÀ efueS he´³egÊeÀ [sefjJesefìJpe keÀe efvecveevegmeej uesKeebkeÀve efkeÀ³ee ie³ee nw:
i) ScemeerSkeÌme – SmeSkeÌme, SveSmeF& Deewj ³etveeFìs[ mìe@keÀ SkeÌme®eWpe kesÀ efJeefvece³e efoMeeefveoxMeevegmeej keÀjWmeer HeÌ³et®ej Deewj y³eepe oj HeÌ³et®ej keÀes oewefvekeÀ
DeeOeej hej yepeej nsleg ef®eeqvnle efkeÀ³ee peelee nw.
ii) SceìerSce ueeYe/neefve ceee|peve Keeles ceW owefvekeÀ DeeOeej hej pecee/veeces Üeje uesKeebefkeÀle efkeÀ³ee peelee nw Deewj Jener Debeflece efveheìeve kesÀ mece³e yeQkeÀ kesÀ
ueeYe Deewj neefve Keeles ceW uesKeebefkeÀle nesvee ®eeefnS.
iii) yeepeej kesÀ efueS ì^seE[ie mJewhe efve³eefcele Deblejeue hej ef®eeqvnle efkeÀS peeles nw. efkeÀmeer Yeer lejn keÀer SceìerSce neefve ope& keÀer peeleer nw Deewj efkeÀmeer he´keÀej
kesÀ ueeYe, ³eefo nes lees GvekeÀer Ghes#ee keÀer peeleer nw.
iv) mJewhe keÀer meceeeqhle hej heéeqhle DeLeJee neefve keÀes GhejesÊeÀ ns[ kesÀ Debleie&le lelkeÀeue Dee³e/J³e³e kesÀ ªhe ceW DeefYeuesefKele efkeÀ³ee peelee nw.
6. Deefieće :
6.1 DeefiećeeW keÀes ceevekeÀ, DeJeceevekeÀ, mebefoiOe DeLeJee neefve Deeeqmle³eeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nw leLee Fme mecyebOe ceW Dehesef#ele heéJeOeeve Yeejleer³e
efj]peJe& yeQkeÀ Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW kesÀ Devegmeej efkeÀS ie³es nQ DeLeJee mece³e mece³e hej Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efkeÀS ieS efoMeeefveoxMeeW
kesÀ Devegmeej Dev³eLee DeeJeM³ekeÀ nes.
6.2 iewj-efve<heeokeÀ Deeeqmle³eeW ceW DeebefMekeÀ Jemetueer, meJe&he´Lece cetue jeefMe kesÀ meeLe Deewj GmekesÀ he½eele y³eepe jeefMe ceW efJeefve³eesefpele keÀer peeleer nw. leLeeefhe, efkeÀmeer
Yeer GOeej Keeles keÀes hetJe& keÀer leejerKe mes iewj efve<heeokeÀ Deeeqmle kesÀ ªhe ceW Jeieeake=Àle keÀjves keÀer DeeJeM³ekeÀlee nw lees, Gme mece³e Keeles ceW keÀer ieF& keÀesF& Yeer
Jemetueer keÀes meJe&he´Lece $eÝCe SJeb Deefieće kesÀ y³eepe [DeLee&le oyeeJeie´mle Deeeqmle³eeW keÀer OeejCeer³e mebj®evee (Sme4S), keÀpe& keÀer jCeveereflekeÀ mebj®evee, oerIee&JeefOe
heefj³eespevee $eÝCe keÀer ue®eerueer mebj®evee (5/25), GOeej F&keÀeF³eeW kesÀ mJeeefcelJe keÀe heefjJele&ve (yee¿e jCeveereflekeÀ keÀpe& hegveme¥j®evee ³eespevee)]] ceW pecee efkeÀ³ee
pee³esiee peye lekeÀ Keelee ceevekeÀ kesÀ ªhe ceW Jeieeake=Àle Lee.
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6.3 Deefieće heéJeOeeveeW, (SveheerS kesÀ ceeceueeW ceW) Deheéhle y³eepe SJeb GOeejkeÀlee&DeeW mes Jemetue keÀer ieF& jeefMe pees efJeefJeOe Keeles ceW jKeer ieF& nw leLee met#ce SJeb ueIeg
GÐeceeW kesÀ efueS $eÝCe ieejbìer v³eeme (meerpeerìerSceSmeF&) / efve³ee&le $eÝCe ieejbìer efveiece (F&meerpeermeer) mes Jemetue keÀer ieF& jeefMe keÀes IeìekeÀj Deefieće oMee&³es ie³es
nQ.
6.4 ceevekeÀ Deeeqmle³eeW kesÀ efueS efkeÀ³ee ie³ee heéJeOeeve Dev³e os³eleeSb SJeb heéJeOeeve – Dev³e ceW Meeefceue nQ.
6.5 yes®eer ieF& efJeÊeer³e Deeeqmle³eeW keÀe efveOee&jCe efvecveevegmeej efkeÀ³ee ie³ee nwë
i) ³eefo heéfleYeteflekeÀjCe keÀcheveer (Smemeer) / Deeeqmle hegvee|vecee&Ce keÀcheveer (SDeejmeer) keÀes keÀer ie³eer efye¬eÀer efveJeue yener cetu³e (SveyeerJeer) mes keÀce keÀercele hej
nw lees Jen keÀceer ³ee lees ueeYe SJeb neefve Keeles keÀes heÝeeefjle keÀer ieF& nw DeLeJee efoveebkeÀ 26.02.2014 keÀes DeLeJee GmekesÀ he½eele keÀer ie³eer Deeeqmle³eeW
keÀer efye¬eÀer hej Fme he´keÀej keÀer keÀceer keÀes Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegªhe oes / SkeÀ Je<e& keÀer DeJeefOe ceW mece³e efJemleeefjle efkeÀ³ee
ie³ee nw, pees DeeJeM³ekeÀ he´keÀìerkeÀjCe kesÀ DeOeerve nw.
ii) ³eefo vekeÀo DeeOeej hej SveyeerJeer mes DeefOekeÀ keÀercele hej efye¬eÀer ngF& nes lees Gme DeeefOekeÌ³e keÀes ueeYe neefve Keeles ceW pecee efkeÀ³ee peelee nw.
iii) ³eefo Smeer/Deejmeer keÀes SveyeerJeer kesÀ cetu³e mes DeefOekeÀ hej efye¬eÀer ngF& nes lees vekeÀo Jemetueer kesÀ meceeve heéJeOeeve DeeefOekeÌ³e keÀes ueeYe neefve Keeles ceW pecee
efkeÀ³ee peelee nw SJeb Mes<e ye®es heéJeOeeve DeeefOekeÌ³e keÀes Smeer/Deejmeer keÀes yes®es peeves Jeeueer efJeleer³e Deeeqmle³eeW keÀer keÀceer/neefve kesÀ efueS Ghe³eesie keÀjves nsleg
jKee peelee nw.
6.6 mesvì yeQkeÀ nesce HeÀeFveQme efueefceìs[ kesÀ ceeceues ceW, $eÝCeeW SJeb DeefieceeW hej heéJeOeeve, jeäêr³e DeeJeeme yeQkeÀ Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW
kesÀ DeeOeej hej efkeÀ³ee peelee nw.
6.7 mesvì yeQkeÀ nesce HeÀeFveQme efueefceìs[ kesÀ ceeceues ceW, Devepe&keÀ Deeeqmle³eeW (SveheerS) peneb y³eepe keÀer ieCevee Jemetueer nesves hej keÀer peeleer nw, Ssmes ceeceues keÀes
íesæ[keÀj y³eepe Dee³e Ghe®e³e DeeOeej hej ceeveer peeleer nw. $eÝCeeW ceW, cetueOeve SJeb y³eepe meefnle ®egkeÀewleer meceeve ceeefmekeÀ efkeÀmleeW (F&SceDeeF&) kesÀ ceeO³ece mes
heéhle keÀer peeleer nw. y³eepe keÀer ieCevee ceen kesÀ DeejcYe ceW yekeÀe³ee Mes<e kesÀ DeeOeej hej keÀer peeleer nw. mebhetCe& $eÝCe mebefJeleefjle nesves kesÀ he½eele F&SceDeeF& Megª
nesleer nw. F&SceDeeF& keÀe DeejcYe nesvee ueeqcyele jnves hej, heér-F&SceDeeF& ceeefmekeÀ y³eepe Jemetue efkeÀ³ee peelee nw. SveheerS kesÀ ceeceues ceW Jemetueer nesves hej henues
yekeÀe³ee F&SceDeeF& kesÀ y³eepe DebMe keÀes Jemetue efkeÀ³ee peelee nw SJeb FmekesÀ he½eele yekeÀe³ee F&SceDeeF& kesÀ cetueOeve DebMe keÀes Jemetue efkeÀ³ee peelee nw.
7. De®eue Deeeqmle³eeb/cetu³eÛeme :
(S) cetue yeQkeÀ
7.1 De®eue Deeeqmle³eeW keÀe cetu³eÛeme ’cetu³eÛeefmele cetu³e heĆeeueer“ kesÀ Debleie&le efvecve ojeW hej efkeÀ³ee ie³ee nw ( keÀch³etìjeW kesÀ DeefleefjÊeÀ, efpevekeÀe cetu³eÛeme
meerOeer keÀìewleer he×efle hej efkeÀ³ee ie³ee nw):
i. heefjmej Devegceeefvele peerJeve keÀeue kesÀ DeeOeej hej DeeOeeefjle heefjJele&veer³e ojeW hej
ii. HeÀveea®ej, efueHeÌì, megjef#ele pecee keÀ#e 10%
iii. Jeenve 20%
iv. JeeleevegketÀueve ³eb$e, ketÀuej, ìeFhejeFìj Deeefo 15%
v. efmemìce mee@HeÌìJes³ej meefnle kebÀh³etìj 33.33%
(DeefOeieńCe Je<e& kesÀ oewjeve SeqhuekesÀMeve mee@HeÌìJes³ej keÀes Dee³e ceW heÝeeefjle efkeÀ³ee peelee nw)
7.2 99 Je<eeX kesÀ efueS heÆs hej ueer ie³eer Yetefce keÀes hetCe& mJeeefcelJe Jeeueer Yetefce ceevee peelee nw leLee 99 Je<e& ³ee Gmemes keÀce Je<eeX Jeeueer Yetefce keÀes heÆs hej ueer ieF&
Yetefce ceevee peelee nw. heÆsJeeueer Yetefce keÀe cetu³e heÆs keÀer DeJeefOe ceW heefjMeesefOele efkeÀ³ee peelee nw.
7.3 peneb hej Yetefce Je heefjmej kesÀ cetu³e keÀes Deueie-Deueie keÀjvee mebYeJe veneR nw, Jeneb cetu³eÛeme meeqcceÞe ueeiele hej efkeÀ³ee ie³ee nw.
7.4 ³es Deeeqmle³eeb efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GvekeÀe cetu³eÛeme / heefjMeesOeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw, efpemes ueeYe SJeb neefve Keeles keÀes
heÝeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle jeefMe keÀes efveªheCe ³eesi³e Je=ef×Meerue cetu³eÛeme / heefjMeesOeve keÀes ’Hegvece&tu³eebkeÀve Òeejef#ele efveefOe“ mes Debleefjle keÀj
’jepemJe SJeb Dev³e heéjef#ele efveefOe³eeb“ ceW pecee efkeÀ³ee ie³ee nw.
7.5 30 efmelebyej lekeÀ Deeeqmle³eeW ceW heefjJeOe&ve kesÀ efueS hetjs Je<e& cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw leLee GmekesÀ yeeo heefjJee|Oele Deeeqmle³eeW nsleg DeeOes Je<e& kesÀ
efueS heéJeOeeve efkeÀ³ee ie³ee nw. 30 efmelebyej mes hetJe& yes®eer ieF& Deeeqmle³eeW hej cetu³eÛeme keÀe heéJeOeeve veneR efkeÀ³ee ie³ee nw leLee 30 efmelebyej kesÀ yeeo yes®eer ieF&
Deeeqmle³eeW hej De×& Je<e& kesÀ efueS cetu³eÛeme keÀe heéJeOeeve efkeÀ³ee ie³ee nw.
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(yeer) Deveg<ebefie³eeb
7.6 De®eue Deeeqmle³eeW kesÀ mebef®ele Ûeme keÀes keÀce keÀj DeefOeieńCe keÀer ueeiele oer ieF& nw. De®eue Deeeqmle³eeW kesÀ DeefOeieńCe J³e³e keÀer ueeiele ceW meYeer Deeveg<ebefiekeÀ
J³e³eeW keÀes Meeefceue efkeÀ³ee ie³ee.
7.7 mesvìyeQkeÀ HeÀeFveQmeefMe³eue mee|Jemespe efueefceìs[ kesÀ ceeceues keÀes íesæ[ keÀj De®eue Deeeqmle³eeW hej cetu³eÛeme keÀcheveer, 2013 kesÀ Devegmet®eer II ceW efveOee&efjle
ojeW kesÀ DeOeej hej mejue jsKee he×efle hej efkeÀ³ee peelee nw, Decetle& Deeeqmle³eeW hej heýebOeve SJeb heefjMeesOeve kesÀ Devegmeej efveOee&efjle 5 Je<e& keÀer Deeeqmle³eeW keÀer
Ghe³eesefielee keÀeue heefjMeesefOele nw.
8. keÀce&®eejer ueeYe :
8.1 keÀce&®eejer Üeje Je<e& kesÀ oewjeve oer ie³eer mesJeeDeeW kesÀ efueS keÀce&®eejer ueeYeeW keÀes Gheef®ele efkeÀ³ee ie³ee nw. DeuhekeÀeefuekeÀ keÀce&®eejer ueeYe, Jes nesles nQ pees Gme
Je<e& heóeve keÀer ie³eer mesJeeDeeW kesÀ efueS mebyebefOele Je<e& kesÀ ueeYe neefve kesÀ Keeles ceW J³e³e kesÀ ªhe ceW ceevee ie³ee nw.
8.2 heefjYeeef<ele ueeYe ³eespevee pewmes ie´s®³egefì ceW DebMeoeve, heWMeve efveefOe SJeb DeJekeÀeMe vekeÀoerkeÀjCe kesÀ Debleie&le oerIe&keÀeefuekeÀ keÀce&®eejer ueeYe kesÀ efueS os³eleeDeeW
keÀe efveOee&jCe yeerceebefkeÀle cetu³eebkeÀve lekeÀveerkeÀ kesÀ Ghe³eesie mes heéhle Jele&ceeve cetu³e kesÀ DeeOeejhej Je<e& kesÀ Deble ceW efkeÀ³ee ie³ee nw. yeerceebefkeÀle ueeYe / neefve keÀer
ieCevee GvekesÀ GlheVe nesves Jeeues Je<e& ceW ner keÀer peeleer nw.
8.3 YeefJe<³e efveefOe SkeÀ efveOee&efjle ³eesieoeve nw efpemekesÀ lenle yeQkeÀ hetJe& efveOee&efjle ojeW hej SkeÀ efveOee&efjle ³eesieoeve keÀe Yegieleeve keÀjlee nw. yeQkeÀ keÀe keÀle&J³e Fme
efveOee&efjle ³eesieoeve lekeÀ meerefcele nw. ³en ³eesieoeve ueeYe-neefve Keeles mes heÝeeefjle keÀer peeleer nw.
8.4 jeäêr³e heWMeve ³eespevee, pees Gve keÀce&®eeefj³eeW hej ueeiet nw efpevneWves efoveebkeÀ 01.04.2010 keÀes DeLeJee GmekesÀ yeeo yeQkeÀ ceW efve³egefÊeÀ heeF& nw, SkeÀ efveOee&efjle
³eesieoeve ³eespevee nw. yeQkeÀ hetJe& efveOee&efjle oj hej SkeÀ efveeq½ele ³eesieoeve keÀe Yegieleeve keÀjleer nw. yeQkeÀ keÀe keÀle&J³e Fme efveOee&efjle ³eesieoeve lekeÀ meerefcele nw. ³en
³eesieoeve ueeYe-neefve Keeles mes heÝeeefjle keÀer peeleer nw.
8.5 mesvì yeQkeÀ nesce HeÀeFveQme efue., SkeÀ Deveg<ebieer kesÀ ceeceues ceW ie´s®³egFìer jeefMe keÀe heéJeOeeve yeerceebefkeÀkeÀ cetu³eebkeÀve kesÀ DeeOeej hej efkeÀ³ee ie³ee nw Deewj Yeejleer³e
peerJeve yeercee efveiece kesÀ mecetn heefjhekeÌJelee ³eespevee ceW efveJesMe efkeÀ³ee ie³ee nw. keÀce&®eejer YeefJe<³e efveefOe kesÀ ceeceues ceW keÀcheveer keÀe ³eesieoeve mejkeÀejer YeefJe<³e
efveefOe Üeje efkeÀ³ee peelee nw SJeb ueeYe-neefve kesÀ efJeJejefCe³eeW ceW heÝeeefjle efkeÀ³ee peelee nw. DeJekeÀeMe vekeÀoerkeÀjCe os³elee keÀe heéJeOeeve Je<e& kesÀ Deble ceW
keÀce&®eeefj³eeW kesÀ Mes<e Dee|pele DeJekeÀeMe kesÀ DeeOeej hej ieCevee keÀer peeleer nw.
9. Dee³e SJeb J³e³e keÀer hen®eeve :
9.1 efJeefve³eecekeÀ heéJeOeeveeW kesÀ Devegmeej vekeÀo DeeOeej hej uesKeebefkeÀle Dee³e keÀes íesæ[keÀj, Dee³e/ J³e³e keÀer ceoeW keÀes meeceev³eleë Gheef®ele DeeOeej hej uesKeeiele
9.2 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej ³eefo keÀesF& ceo kegÀue Dee³e / kegÀue J³e³e kesÀ 1% mes DeefOekeÀ nes lees GmekesÀ mebyebOe ceW hetJe& keÀer
DeJeefOe keÀe he´keÀìerkeÀjCe efkeÀ³ee ie³ee nw.
9.3 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegªhe Deefleos³e peceeDeeW hej os³e y³eepe nsleg heéJeOeeve efkeÀ³ee peelee nQ.
9.4 mesvì yeQkeÀ nesce HeÀe³eveWme efue. kesÀ ceeceues ceW, $eÝCeeW SJeb DeefiećeeW hej Dee³e keÀe efveOee&jCe jeäêr³e DeeJeeme yeQkeÀ (SveS®eyeer) Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW
kesÀ DeeOeej hej efkeÀ³ee peelee nw.
9.5 mesvì yeQkeÀ nesce HeÀe³eveWme efue. kesÀ ceeceues ceW, HeÀerme SJeb Dev³e heÝeejeW pewmes uee@efieve HeÀerme, Deefleos³e hej ob[mJeªhe y³eepe, hetJe&Yegieleeve heÝeej, Dee³ekeÀj
Jeehemeer hej y³eepe SJeb Dev³e Dee³e Fl³eeefo mes heéhle Dee³e keÀes heéeqhle DeeOeej hej efue³ee peelee nw.
9.6 mesvìyeQkeÀ HewÀveebefme³eue mee|Jemespe efueefceìs[ kesÀ ceeceues ceW, efveJee&nkeÀ ì^mìer J³eJemee³e kesÀ mebyebOeeW ceW Dee³e, ì^mì Keeles mes mebyebefOele uesveosve nesves hej heéhle
keÀer peeleer nw. ef[JeW®ej SJeb heéfleYetefle ì^mìerefMehe mesJeeDeeW mes heéhle jepemJe DeeJeefOekeÀ DeeOeej hej efveOee&efjle keÀer peeleer nw SJeb Jeeo oefKeue Deewj/DeLeJee
yeerDeeF&SHeÀDeej keÀcheefve³eeW kesÀ ef[JeW®ej SJeb heéfleYetefle ì^mìerefMehe J³eJemee³e mes nesves Jeeues Dee³e efpemeceW heéh³e DeeOeej hej ieCevee keÀer peeleer nw, keÀes íesæ[keÀj
Ghe®e³e DeeOeej hej ieCevee keÀer peeleer nw.
10. Dee³ekeÀj :
Fme Je<e& kesÀ efueS keÀj nsleg heéJeOeeve ceW DeemLeefiele keÀj leLee ueeiet keÀj keÀevetve kesÀ Devegmeej Jele&ceeve keÀj os³elee keÀer ieCevee keÀer ieF& nw, SkeÀ mece³e ceW GlheVe
nesves Jeeueer keÀj ³eesi³e Dee³e leLee uesKee Dee³e keÀes he½eJeleea DeJeefOe³eeW ceW he´l³eeJee|lele keÀjves ceW me#ece mece³e Deblejeue keÀes Yeer O³eeve ceW jKeles nQ. DeemLeefiele keÀj
Deeeqmle³eeW keÀes Glevee ner ceevee peeSiee efpeleves kesÀ efueS Ssmeer DeemLeefiele keÀj Deeeqmle³eeW kesÀ mece#e he³ee&hle YeeJeer keÀj ³eesi³e Dee³e GheueyOe nesves keÀer leke&Àmebiele
174
megefveeq½elelee nes. Deeies ueeS ieS DeveJeMeesef<ele DeveJeMeesef<ele cetu³eËeme SJeb keÀj neefve kesÀ ceeceueeW ceW, DeemLeefiele keÀj Deeeqmle³eeW keÀes leYeer ceevee peeSiee peye Ssmeer
DeemLeefiele keÀj Deeeqmle³eeW kesÀe YeeJeer keÀj ³eesi³e Dee³e mes neefmeue efkeÀ³ee pee mekesÀiee. DeemLeefiele keÀj Deeeqmle³eeW keÀer Oeeefjle jeefMe keÀer Jemetueer kesÀ hegveDee&keÀueve kesÀ
keÀejCe he´l³eskeÀ legueve he$e keÀer leejerKe keÀes meceer#ee keÀer peeleer nw. efJeJeeefole keÀj os³eleeDeeW keÀe uesKeebkeÀve Gme Je<e& ceW efkeÀ³ee peelee nw efpemeceW keÀj efveOee&jCe/Deheerue
keÀej&JeeF& hetCe& nesleer nw, leye lekeÀ FvnW DeekeÀeqmcekeÀ os³eleeDeeW kesÀ ªhe ceW efoKee³ee peelee nw.
11. heéfle Mes³ej Dee³e:
yesefmekeÀ SJeb [eFu³etìs[ heéfle Mes³ej keÀer ieCevee F&eqkeÌJeefì Mes³ejOeejkeÀ keÀes hee$e DeJeefOe kesÀ efueS Deejesh³e Meg× ueeYe/neefve keÀes efjheese\ìie DeJeefOe kesÀ oewjeve yekeÀe³ee
Mes<e Mes³ejeW keÀer Yeeefjle Deewmele mebK³ee mes efJeYeeefpele keÀj keÀer peeleer nw.
12. efJeefJeOe Deveeyebefìle Dee³e SJeb heéhle jeefMe³eeb
mesvì yeQkeÀ efJeÊeer³e mesJeeSb efue., SkeÀ Deveg<ebieer kesÀ ceeceues ceW, efpeve ueeYeee|Le³eeW keÀe efJeJejCe heéhle ve efkeÀ³ee pee mekesÀ Gve ueeYeeLeea keÀer heéhle jeefMe³eeW keÀes meebkesÀeflekeÀ
Keeles kesÀ ’efJeef¬eÀJ³e uesveoej DeoeJeeke=Àle ueeYeebMe/y³eepe SJeb Deveeyebefìle cees®eve hej DeoeJeeke=Àle heéhle jeefMe“ ceW pecee keÀer peeleer nw. YegieleevekeÀlee& mes pewmes ner
ueeYeeLeea kesÀ yeejs ceW efJeJejCe heéhle nesles nQ Gme jeefMe keÀes ueeYeeLeea kesÀ mebyebefOele Keeles ceW Debleefjle keÀj efo³ee peelee nw.
13. heéJeOeeve, DeekeÀeqmcekeÀlee SJeb Deveg<ebieer Deeeqmle³eeb
efheíues keÀejCeeW kesÀ HeÀuemJeªhe GlheVe Deefveeq½ele mece³e DeLeJee jeefMe kesÀ Ssmes Jele&ceeve oeef³elJeeW efpevekeÀe efJeéemeveer³e Devegceeve ueiee³ee pee mekeÀlee nes SJeb Gve
oeef³elJeeW kesÀ meceeOeeve kesÀ efueS Deee|LekeÀ ueeYe³egÊeÀ mebmeeOeveeW keÀe yeefnie&ceve mebYeJe nes, kesÀ Jele&ceeve oeef³elJeeW kesÀ efueS heéJeOeeve ceev³e efkeÀS peeles nQ peye Deee|LekeÀ
ueeYe³egÊeÀ mebmeeOeveeW kesÀ yeefnie&ceve keÀer DeeJeM³ekeÀlee mebYeeefJele ve nes DeLeJee jeefMe keÀe efJeéemle DeekeÀueve veneR efkeÀ³ee pee mekeÀlee nes lees Deee|LekeÀ ueeYe ³egÊeÀ
mebmeeOeveeW kesÀ yeefnie&ceve keÀer mebYeeJevee kesÀ Del³evle #eerCe jnves lekeÀ Ssmes oeef³elJeeW keÀes DeekeÀeqmcekeÀ os³elee kesÀ ªhe ceW he´keÀì efkeÀ³ee peelee nw.
Debeflece efJeÊeer³e efJeJejefCe³eeW ceW Deveg<ebieer Deeeqmle³eeW keÀes ve lees ceev³e efkeÀ³ee peelee nw Deewj ve ner he´keÀì efkeÀ³ee peelee nw.

mLeeve: cegbyeF&
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Devegmet®eer 18 : mecesefkeÀle uesKeeW mes mecyebefOele efìhheefCe³eeb

1. mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW ceW Meeefceue Deveg<ebefie³eeB SJeb SmeesefMeSìdme
1.1 mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW ceW mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee (cetue yeQkeÀ), FmekeÀer oes Deveg<ebefie³eeB (efpevnW meeqcceefuele ªhe mes ’efo ûegHe“ kesÀ meboe|Yele efkeÀ³ee ie³ee
nw) SJeb 4 SmeesefMeSì, efpeveceW cetue yeQkeÀ Üeje heé³eesefpele 3 #es$eer³e ieéceerCe yeQkeÀ (DeejDeejyeer)Deewj Fb[es peeeqcye³ee yeQkeÀ efueefceìs[ Meeefceue nw, kesÀ ueeYe/neefve
Mes³ej keÀe efJeJejCe efvecveevegmeej nw :
Deveg<ebieer/SmeesefMeSì keÀe veece efveieceve-osMe efoveebkeÀ 31 cee®e&, 2019 efoveebkeÀ 31 cee®e& 2018
keÀes mJeeefcelJe efnle keÀes mJeeefcelJe efnle
mesvìyeQkeÀ nesce HeÀeFveWme efueefceìs[ (Deveg<ebieer) Yeejle 64.40% 64.40%
mesvìyeQkeÀ HeÀeFveWefMe³eue mee|Jemespe efueefceìs[ (Deveg<ebieer) Yeejle 100.00% 100.00%
GÊej efyenej ieéceerCe yeQkeÀ, cegpeHeÌHeÀjhegj (SmeesefMeSì) Yeejle 35.00% 35.00%
GÊejyebie #es$eer³e ieéceerCe yeQkeÀ, ketÀ®e efyenej (SmeesefMeSì) Yeejle 35.00% 35.00%
mesvìûe ceO³e heósMe ieéceerCe yeQkeÀ, eEíoJeeæ[e (SmeesefMeSì) Yeejle 35.00% 35.00%
Fb[es peeeqcye³ee yeQkeÀ efueefceìs[ (SmeesefMeSì) peeeqcye³ee 20.00% 20.00%
1.2 Deveg<ebefie³eeb leLee SmeesefmeSì ceW efpeve efJeÊeer³e efJeJejefCe³eeW keÀe meceskeÀve kesÀ efueS Ghe³eesie efkeÀ³ee ie³ee nQ, GvekeÀes Gmeer leejerKe keÀes lew³eej efkeÀ³ee ie³ee nw,
efpeme leejerKe keÀes cetue yeQkeÀ keÀer lew³eej keÀer ieF& nQ DeLee&le efoveebkeÀ 31 cee®e&, 2019 keÀes efmeJee³e Fb[es peeeqcye³ee yeQkeÀ efue. kesÀ, efpemekeÀer efjheexeEìie DeJeefOe
kewÀuesv[j Je<e& nw. leoeefhe ueeYe keÀer jeefMe efoveebkeÀ 31.12.018 keÀes meceehle 9 ceen kesÀ efueS uesKeehejeref#ele efJeÊeerle efJeJejefCe³eeW kesÀ DeeOeej hej ueer ieF& nw
SJeb efoveebkeÀ 31.03.2019 keÀes meceehle 3 ceen kesÀ efueS ueeYe keÀer jeefMe DeuesKeehejeref#ele efJeÊeerle efJeJejefCe³eeW kesÀ DeeOeej hej ueer ieF& nw. Fb[es Peeeqcye³ee
yeQkeÀ keÀer efJeÊeer³e efJeJejCeer mLeeveer³e efve³eceeW kesÀ Debleie&le DeheveeS ieS uesKeebkeÀve veerefle³eeW kesÀ Devegmeej lew³eej keÀer ieF& nw. heýebOeve kesÀ DeefYecele ceW heÝeeJe keÀesF&
Keeme veneR nw.
1.3 SmeesefMeSìdme ceW cetue yeQkeÀ kesÀ ueeYe / neefve keÀe mebef®ele Mes³ej, mecetn kesÀ mebef®ele Deejef#ele efveefOe³eeW ceW me¢Me mecee³eespeve kesÀ meeLe efveJesMe kesÀ jKeeJe ueeiele
meefnle peesæ[e/ Ieìe³ee ie³ee nw.
1.4 Deveg<ebieer, Dev³e DeeJeeme efJeÊe mebmLeeveeW keÀer lejn mesvì yeQkeÀ nesce HeÀeFveQme efueefceìs[ uecyeer DeJeefOe kesÀ efueS $eÝCe heóeve keÀjleer nw, peyeefkeÀ heéhle peceeSb/
os³eleeSb ueIeg DeJeefOe kesÀ efueS heéhle keÀer peeleer nw, efpememes Demebielelee GlheVe nesleer nw. Fmes he³ee&hle $eÝCe megefJeOee keÀer GheueyOelee keÀjeF& pee jner nw.
1.5 Dev³e uesKeehejer#ekeÀeW Üeje Deveg<ebefie³eeW Deewj SmeesefMeSì keÀer efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee keÀer pee ®egkeÀer nw, efmeJee³e leerve #es.ieé.yeQ. (SmeesefMeSì)
efpevekesÀ veece mesvìûe ceO³e heósMe ieéceerCe yeQkeÀ, GÊej yebiee #es$eer³e ieéceerCe yeQkeÀ, GÊej efyenej ieéceerCe yeQkeÀ kesÀ, pees efkeÀ DeuesKeehejeref#ele nw, heýebOeleb$e Üeje
hećeeefCele keÀer ieF& nw.
2. mecesefkeÀle efJeÊeer³e efJeJejCeer yeveeves ceW, peneB keÀneR Deveg<ebefie³eeW leLee SmeesefMeSì Üeje SkeÀ ner he´keÀej kesÀ uesve osve kesÀ efueS Deueie uesKeebkeÀve veerefle³eeb
DeheveeF& ie³eer nQ, pewmes efkeÀ, heýebOeve kesÀ efJe®eej mes ³en keÀesF& yeæ[er yeele veneR nw, mecee³eespeve veneR efkeÀS ieS.
3. cetue yeQkeÀ
3.1 hetbpeer
efoveebkeÀ 31.03.2019 keÀes yeQkeÀ keÀer heóÊe FeqkeÌJeìer Mes³ej hetbpeer yeæ{keÀj `4047.20 keÀjesæ[ nes ie³eer pees efheíues Je<e& ` 2618.16 keÀjesæ[ Leer. ³en Je=ef×
leerve DeeyebìveeW ceW ` 10/- he´l³eskeÀ kesÀ 1429045682 veS FeqkeÌJeìer Mes³eme& peejer keÀjves mes ngF& nw.
S. efoveebkeÀ 31.11.2018 keÀes Yeejle mejkeÀej keÀes `56.43 heérefce³ece hej DeefOeceeveer DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 354357970 FeqkeÌJeìer Mes³ej
yeer. efoveebkeÀ 28.02.2019 keÀes Yeejle mejkeÀej keÀes ` 33.31 heérefce³ece hej DeefOeceeveer DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 387439390 FeqkeÌJeìer Mes³ej
meer. efoveebkeÀ 28.03.2019 keÀes Yeejle mejkeÀej keÀes DeefOeceeveer DeeOeej hej ` 27.25 kesÀ heérefce³ece hej heéfle ` 10/- kesÀ he´l³eskeÀ kesÀ 687248322
FeqkeÌJeìer Mes³ej Deeyebefìle efkeÀS ieS.
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3.2 yeefn³eeW keÀe mecelegueve / efceueeve :

efvecveefueefKele ceoeW keÀe mecelegueve efve³eefcele ªhe mes efkeÀ³ee pee jne nw. neueeBefkeÀ kegÀí heéfJeeqä³eeB heíeefle hej nw :
– Deblej MeeKee keÀe³ee&ue³e Mes<e
– Deblej yeQkeÀ Keeles
– G®eble Keeles
– meceeMeesOeve SJeb Dev³e mecee³eespeve Keeles
– vee@efceveue KeeleeW ceW jKes efJeefMeä Mes<e
– veesmìês Keeles
– SìerSce mes mebyebefOele Mes<e
– mesvìûe keÀe[& efJeYeeie Üeje jKes ieS ohe&Ce Keeles
– ke=Àef<e SJeb heéLeefcekeÀlee heéhle #es$e kesÀ DeefiećeeW keÀe [eìe/efmemìce DeO³eleve
heýebOeve keÀe cele nw efkeÀ KeeleeW hej meceie´ heÝeeJe, ³eefo keÀesF& nw, lees Jen DeefOekeÀ cenÊJehetCe& veneR nesiee.
3.3 Dee³e keÀj:
3.3.1 Je<e& kesÀ efueS Dee³ekeÀj keÀe heéJeOeeve efJeJeeefole ceeceueeW mes mebyebefOele meebefJeefOekeÀ heéJeOeeveeW SJeb v³eeef³ekeÀ efveCe&³eeW hej efJe®eej keÀjves kesÀ yeeo efkeÀ³ee ie³ee
nw.
3.3.2 Dev³e Deeeqmle³eeb [Devegmet®eer 11 (ii)] ceW ` 2569.16 keÀjesæ[ (efheíues Je<e& ` 2979.91 keÀjesæ[) Meeefceue nQ, pees yeQkeÀ Üeje Yegieleeve efkeÀS ieS ³ee
Dee³ekeÀj efJeYeeie Üeje mecee³eesefpele efJeJeeefole Dee³e keÀj kesÀ meboYe& ceW nQ. Ssmes efJeJeeefole ceeceueeW hej efJeefYeVe v³eeef³ekeÀ GodIees<eCeeDeeW SJeb yeQkeÀ kesÀ
Deheves ceeceueeW ceW he#e ceW ngS efveCe&³ees kesÀ DeeOeej hej Ghe³eg&ÊeÀ efJeJeeefole ceebieeW kesÀ efueS keÀj keÀer efJeJeeefole jeefMe keÀe heéJeOeeve efkeÀ³ee peevee yeQkeÀ Üeje
DeeJeM³ekeÀ veneR mecePee ie³ee.
3.4 heefjmej :
yeQkeÀ Üeje ueerpe hej heéhle heefjmejeW keÀer heefjmecheefÊe³eeW keÀer ueeiele ` 0.75 keÀjesæ[ (efheíues Je<e& ` 0.75 keÀjesæ[) nw, efpemekesÀ hebpeerkeÀjCe keÀer
Deewhe®eeefjkeÀleeSb DeYeer Yeer heéf¬eÀ³eeOeerve nw.
Ssmeer Deeeqmle³eeb efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GveceW cetu³eÛeme keÀe heéJeOeeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw SJeb ueeYe/neefve Keeles keÀes
heÝeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle jeefMe ` 64.80 keÀjesæ[ (efheíues Je<e& ` 75.13 keÀjesæ[) hej Deejesh³e Je=ef×Meerue cetu³eÛeme keÀer jeefMe keÀes
’hegvecet&u³eebefkeÀle Deejef#ele efveefOe“ mes Debleefjle keÀj ’jepemJe SJeb Dev³e Deejef#ele efveefOe“ ceW pecee efkeÀ³ee ie³ee nw.
3.5 Deefieće / heéJeOeeve :
3.5.1 hees<eCe / hegveJe&meve / hegvee|Jev³eeme keÀe³e&¬eÀce kesÀ Debleie&le Deeves Jeeueer FkeÀeF³eeW meefnle ©iCe FkeÀeF³eeW keÀes efoS ieS Deefieće Deewj mebefoiOe / neefve
Deeeqmle³eeW ceW Jeieeake=Àle Dev³e DeefiećeeW keÀes, yeQkeÀ kesÀ heeme yebOekeÀ jKeer ieF& mecheefle³eeW /Deeeqmle³eeW kesÀ cetu³eebkeÀkeÀeW Üeje efoS ieS leLee yeQkeÀ kesÀ heeme
GheueyOe Dev³e DeebkeÀæ[eW kesÀ DeeOeej hej he´Lece DeLeJee efÜleer³e heÝeej OeejCe keÀjves Jeeueer heéfleYetefle³eeW kesÀ Devegceeefvele Jemetueer ³eesi³e cetu³e lekeÀ heéfleYetle
/ Jemetueer ³eesi³e ceevee peeSiee.
3.5.2 Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer efoMeeefveoxMeeW kesÀ Devegmeej yeQkeÀ ves Meg× SveheerS keÀer ieCevee kesÀ efueS mekeÀue SveheerS ceW mes HeÌueeseEìie heéJeOeeve
`100.56 keÀjesæ[ (iele Je<e& ` 100.56 keÀjesæ[) SJeb heéfle®e¬eÀer³e heéJeOeeve keÀer jeefMe `47.34 keÀjesæ[ (iele Je<e& ` 47.34 keÀjesæ[) keÀer Megef× keÀer
ieF& nw.
3.5.3 Deveepe&keÀ Deeeqmle³eeW kesÀ efueS Deeqmle JeieeakeÀjCe SJeb heéJeOeeveeW ceW efJe®eueve keÀe he´keÀìerkeÀjCe
efJeÊe Je<e& 2017-18 kesÀ efueS YeeefjyeQ Üeje Devegceeefvele DeefleefjÊeÀ heéJeOeeve DeeJeM³ekeÀleeSb heéJeOeeveeW SJeb DeekeÀeqmcekeÀ J³e³e kesÀ hetJe& ope& ueeYe kesÀ
10% keÀer heéjeqcYekeÀ meercee mes DeefOekeÀ nw, ³en efvecveefueefKele he´keÀìerkeÀjCe Deeeqmle JeieeakeÀjCe SJeb SveheerS nsleg heéJeOeeve ceW efJe®eueve mes mebyebOeer YeeefjyeQ
keÀer heefjhe$e mebK³ee [eryeerDeej.yeerheer.yeermeer.veb.63/21.04.018/2018-19 efoveebkeÀ 01.04.2019 kesÀ Devegmeej yeveeF& ieF& nw.
177
¬eÀ. meb. efJeJejCe jeefMe

1. yeQkeÀ kesÀ efjheesì& kesÀ Devegmeej efoveebkeÀ 31 cee®e&, 2018 keÀes mekeÀue SveheerS 38130.70
2. YeeefjyeQ kesÀ efveOee&jCe Devegmeej efoveebkeÀ 31 cee®e&, 2018 keÀes mekeÀue SveheerS 38766.90
3. mekeÀue SveheerS ceW efJe®eueve (2-1) 636.20
4. yeQkeÀ kesÀ efjheesì& kesÀ Devegmeej efoveebkeÀ 31 cee®e&, 2018 keÀes Meg× SveheerS 17377.87
5. YeeefjyeQ kesÀ efveOee&jCe Devegmeej 31 cee®e&, 2018 keÀes Meg× SveheerS 17830.67
6. Meg× SveheerS ceW efJe®eueve (2-1) 452.80
7. yeQkeÀ kesÀ efjheesì& kesÀ Devegmeej efoveebkeÀ 31 cee®e&, 2018 keÀes SveheerS nsleg heéJeOeeve 19601.31
8. YeeefjyeQkeÀ kesÀ efveOee&jCe kesÀ Devegmeej 31 cee®e&, 2018 keÀes SveheerS nsleg heéJeOeeve 20743.31
9. heéJeOeeveeW ceW efJe®eueve (8-7) 1142.00
10. efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle Je<e& kesÀ efueS efjheesì& keÀer ieF& keÀj he½eele Meg× ueeYe (heerSìer) (5104.90)
11. heéJeOeeveeW ceW efJe®eueve keÀer ieCevee keÀjves kesÀ he½eele efoveebkeÀ 31 cee®e&, 2018 keÀes meceehle Je<e& kesÀ efueS keÀj (6246.90)
he½eele Meg× ueeYe (heerSìer) mecee³eesefpele (keÀeuheefvekeÀ)
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS yeQkeÀ, GhejesÊeÀ keÀes FmekesÀ keÀe³e&Meerue heefjCeeceeW kesÀ heÝeeJeeW keÀes efJeefOeJele DeefYeuesefKele keÀjleer nw..
3.6 DeejyeerDeeF& Üeje ueieeS ieS ob[eW keÀe he´keÀìerkeÀjCe
Yeejleer³e efjpeJe& yeQkeÀ ves GvekesÀ ceeveob[eW keÀer Devegheeueve ve keÀjves kesÀ keÀejCe yeQeEkeÀie efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 46(4) (i) heefþle Oeeje 47S
(1) (meer) kesÀ Debleie&le yeQkeÀ keÀes ` 1.16 keÀjesæ[ (efheíues Je<e& ` 0.91 keÀjesæ[) mes oeqC[le efkeÀ³ee nw.
4. uesKeebkeÀve ceevekeÀeW keÀe Devegheeueve
Fbmìerìîetì Dee@HeÀ ®eeì&[& DekeÀeGvìWì Dee@HeÀ Fbef[³ee Üeje peejer uesKeebkeÀve ceevekeÀeW kesÀ Devegmeej efvecveefueefKele peevekeÀejer keÀe he´keÀìerkeÀjCe efkeÀ³ee peelee nw :
4.1 uesKeebkeÀve ceevekeÀ - 9 jepemJe hen®eeve
cetue uesKeebkeÀve veerefle keÀer Devegmet®eer 17 kesÀ ¬eÀce 9 kesÀ Devegmeej Dee³e keÀer kegÀí ceoeW keÀer hen®eeve Jemetueer kesÀ DeeOeej hej keÀer keÀer ieF& nw. leLeeefhe, keÀefLele
Dee³e keÀes cenÊJehetCe& veneR ceevee ie³ee nw.
4.2 uesKeebkeÀve ceevekeÀ - 15 (mebMeesefOele)- keÀce&®eejer ueeYe
4.2.1 keÀce&®eejer ueeYe :
i) megheefjYeeef<ele DebMeoeve ³eespevee
jeäêr³e heWMeve ³eespevee (SveheerSme) :
Je<e& kesÀ oewjeve yewkeÀ ves ueeYe SJeb neefve Keeles ceW ` 79.62 keÀjesæ[ (efheíues Je<e& 67.82 keÀjesæ[) SveheerSme keÀes DebMeoeve kesÀ ªhe ceW ceevee nw.
ii) megheefjYeeef<ele ueeYe ³eespevee :
yeerceebefkeÀkeÀ cetu³eebkeÀveeW kesÀ DeeOeej hej heWMeve SJeb ie´s®³egìer ueeYeeLe& megheefjYeeef<ele ueeYe oeef³elJeeW keÀe Jele&ceeve cetu³e keÀe heéjbefYekeÀ SJeb Debeflece Mes<e
keÀe efceueeve veer®es efo³ee ie³ee nw.
(` keÀjesæ[ ceW)
178
efJeJejCe 31.03.2019 31.03.2018

meejCeer ceW megheefjYeeef<ele ueeYe oeef³elJe ceW heefjJele&ve Òeoe|Mele nw :
Je<e& kesÀ heéjbYe ceW oeef³elJe 1741.56 13,821.17 1847.13 12484.08
y³eepe ueeiele 136.36 1,076.67 134.29 930.06
iele mesJee ueeiele (Deefveefnle) 0 0 0 0
iele mesJee ueeiele (efveefnle ueeYe) 0 0 329.37 0
os³elee DeblejCe 0 0 0 0
os³elee DeblejCe yee¿e 0 0 0 0
heóÊe ueeYe (270.50) (1,170.59) (157.20) (952.30)
oeef³elJe hej JeemleefJekeÀ (ueeYe)/neefve 25.47 433.87 (481.16) 1271.80
Je<e& kesÀ Deble ceW os³eleeSb 1648.13 14,245.10 1741.56 13821.17
Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb keÀer meejCeer :
Je<e& kesÀ heéjbYe ceW Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb 2124.94 13,515.58 1656.73 12420.00
DebMeoeve 166.38 1,048.81 120.44 925.29
Dev³e kebÀheveer mes DeblejCe (100.00) 1,324.00 490.40 859.08
kebÀheveer mes DeblejCe 0 0 0 0
heóÊe ueeYe 0 0 0 0
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ (ueeYe)/neefve (270.50) (1,170.59) (157.20) (952.30)
meceehle Je<e& hej Gef®ele cetu³e hej ³eespevee Deeeqmle³eeb (42.56) (72.66) 14.57 263.51
ceev³elee heéhle hej kegÀue JeemleefJekeÀ (ueeYe)/neefve 1878.26 14,645.14 2124.94 13515.58
efJeJejCe 31.03.2019 31.03.2018
ueeYe SJeb neefve Keeles ceW ceev³e J³e³e : 66.18 83.98 69.13 87.53
y³eepe ueeiele (166.38) (1048.81) (120.44) (925.29)
³eespevee Deeeqmle³eeW hej Dehesef#ele heéfleHeÀue 0 0 0 0
mJeerke=Àle iele mesJee ueeiele (Deefveefnle) 0 0 0 0
mJeerke=Àle iele mesJee ueeiele (efveefnle ueeYe) 0 0 329.37 0
mJeerke=Àle meb¬eÀefcele os³elee 17.09 506.53 (495.73) 1008.29
JeemleefJekeÀ ueeYe/neefve 53.25 618.37 (83.38) 1100.59
heer SC[ Sue ceW mJeerke=Àle J³e³e 66.18 83.98 69.13 87.53
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ heéfleHeÀue
³eespevee Deeeqmle³eeW hej JeemleefJekeÀ heéfleHeÀue 123.82 976.15 135.01 1188.80
DevegYeJe mecee³eespeve
DevegYeJe kesÀ keÀejCe megheefjYeeef<ele oeef³elJe hej JeemleefJekeÀ (ueeYe)/neefve (29.08) 422.24 (511.99) 1029.93
179
efJeJejCe 31.03.2019 31.03.2018

cetue JeemleefJekeÀ hetJe&OeejCee keÀe he´³eesie (%)
®eeuet ítì oj 7.79 7.78 7.83 7.76
®eeuet ³eespevee Deeeqmle³eeW hej heéfleHeÀue oj 7.79 7.78 7.83 7.76
Jesleve Je=ef× oj 5.00 5.00 5.00 5.00
DeekeÀ<e&keÀ oj 0.50 0.50 0.50 0.50
Dev³e oerIee&JeefOe ueeYe :
Je<e& kesÀ oewjeve yeQkeÀ JeemleefJekeÀ cetu³eebkeÀve hej DeeOeeefjle DeJekeÀeMe vekeÀoerkeÀjCe J³e³e kesÀ mece#e ` 84.09 keÀjesæ[ (efheíues Je<e& ` 72.94)
keÀe J³e³e ceevee nw.
4.2.2 mesvì yeQkeÀ nesce HeÀeFvesvme efue., Deveg<ebieer, hee$e keÀce&®eeefj³eeW keÀes ie´s®³egFìer keÀJej heóeve keÀjleer nw. Deheves os³elee keÀer efveefOe³eeW kesÀ efueS, keÀcheveer ves
Yeejleer³e peerJeve yeercee efveiece mes SkeÀ hee@efuemeer ues jKeer nw, Deheves keÀce&®eeefj³eeW keÀer mebef®ele ie´s®³egFìer os³elee keÀe keÀJej SJeb Fme hee@efuemeer keÀer heérefce³ece
keÀe Yegieleeve ueeYe SJeb neefve Keeles mes efkeÀ³ee peelee nw. DeJekeÀeMe vekeÀoerkeÀjCe os³elee nsleg heéJeOeeve keÀer ieCevee, efoveebkeÀ 31 cee®e&, 2019 keÀes
keÀce&®eeefj³eeW keÀer meeJeefOe DeJekeÀeMe kesÀ Mes<e hej keÀer peeleer nw. efoveebkeÀ 31.03.2019 keÀes meceehle Je<e& kesÀ efueS ³ener efo³ee ie³ee nw.
4.3 uesKeebkeÀve ceevekeÀ 17 – mecetn keÀe Keb[Jeej efjheesì&
i) peneB he´l³e#e Deeyebìve mecYeJe veneR nw, JeneB Keb[Jeej Deeeqmle³eeW kesÀ DeeOeej hej Keb[Jeej jepemJe SJeb Ke®eeX keÀe efJeefve³eespeve efkeÀ³ee ie³ee nw.
180
ii) Yeejleer³e efj]peJe& yeQkeÀ kesÀ mebMeesefOele efoMeeefveoxMeeW kesÀ Devegmeej, yeQkeÀ ves heéLeefcekeÀ efjheese\ìie #es$e kesÀ ªhe ceW ì^spejer heefj®eeueve, keÀe@heexjsì/LeeskeÀ yeQeEkeÀie,
Kegoje yeQeEkeÀie leLee Dev³e yeQeEkeÀie J³eJemee³e keÀe efveOee&jCe efkeÀ³ee nw. efÜÊeer³ekeÀ efjheese\ìie #es$e kesÀ efueS keÀesF& J³eJemLee veneR nw.
iii) ì^spejer heefj®eeueveeW ceW mejkeÀejer leLee Dev³e heéfleYetefle³eeW, cegêe yeepeej heefj®eeueve leLee HeÀe@jskeÌme heefj®eeueve Meeefceue nQ.
iv) efjìsue yeQeEkeÀie #es$e ceW ` 5 keÀjesæ[ (efveefOe DeeOeeefjle leLee iewj-efveefOe DeeOeeefjle SkeÌmeheespej meefnle) keÀer meercee lekeÀ kesÀ meYeer SkeÌmeheespej Meeefceue nQ,
³en DeefYecegKeleeSb, Glheeo, ie´svegueefjìer ceeveob[ leLee Jew³eefÊeÀkeÀ SkeÌmeheespej kesÀ DeOeerve nw.
v) keÀe@heexjsì/meceie´ Keb[ ceW ì^mì/Yeeieeroej HeÀce&, keÀcheefve³eeW leLee meebefJeefOekeÀ efvekeÀe³eeW kesÀ Jes meYeer Deefieće Meeefceue nQ, pees efkeÀ efjìsue yeQeEkeÀie kesÀ lenle
Meeefceue veneR efkeÀS ieS nQ.
vi) Dev³e yeQeEkeÀie #es$e ceW Jes meYeer Dev³e yeQeEkeÀie heefj®eeueve Meeefceue nQ, pees Ghe³eg&ÊeÀ leerveeW ÞesefCe³eeW ceW Meeefceue veneR nQ.
vii) efjìsue yeQefkeÀie Keb[ hećegKe mebmeeOeve mebieńCe FkeÀeF& nw leLee ì^spejer Keb[, FvekesÀ Üeje efueS ieS efveefOe³eeW nsleg efjìsue yeQeEkeÀie Keb[ keÀer #eeflehete|le keÀjleer
nw, efpemes FvekesÀ Üeje Dee|pele peceeDeeW keÀer Deewmele ueeiele ceevee ie³ee nw.
viii) ueeiele keÀe Deeyebìve :
S SkeÀ efJeefMeä Keb[ mes mebyebefOele Ke®ex meerOes Gme Keb[ keÀes Deeyebefìle efkeÀS peeles nQ.
yeer efkeÀmeer efJeefMeä Keb[ mes meerOes mecyebOe ve efkeÀS pee mekeÀves Jeeues Ke®eeX keÀes efJeJeskeÀhetCe& DeeOeej Deeyebefìle efkeÀ³ee ie³ee nw.
4.4 uesKeebkeÀve ceevekeÀ 18 kesÀ Devegmeej mebye× heeìea he´keÀìerkeÀjCe - mebye× heeìea
1 mebye× heee|ì³eeW keÀer met®eer
(S) efoveebkeÀ 31.03.2019 keÀes hećegKe heýebOekeÀer³e heoeefOekeÀejer
veece heoveece
i) Þeer heuueJe cenehee$e (efoveebkeÀ 21.09.2018 mes) heýebOe efveosMekeÀ SJeb meerF&Dees
ii) Þeer heer. Deej. cetefle& keÀe³e&heeuekeÀ efveosMekeÀ
iii) Þeer yeer.Sme. MesKeeJele keÀe³e&heeuekeÀ efveosMekeÀ
iv) Þeer DeeueeskeÀ ÞeerJeemleJe (efoveebkeÀ 23.01.2019 mes) keÀe³e&heeuekeÀ efveosMekeÀ
2. mebye× heee|ì³eeW kesÀ meeLe uesve-osve:
hećegKe heýebOekeÀer³e heoeefOekeÀejer keÀes Yegieleeve efkeÀ³ee ie³ee heeefjÞeefcekeÀ : (` ueeKe ceW)
veece heoveece hećegKe heýebOekeÀer³e J³eefÊeÀ
31.03.2019 31.03.2018
Þeer heuueJe cenehee$e (efoveebkeÀ 21.09.2018 mes) heýebOe efveosMekeÀ SJeb meerF&Dees 14.68 0.00
Þeer jepeerJe $eÝef<e (efoveebkeÀ 31.07.2018 lekeÀ) heýebOe efveosMekeÀ SJeb meerF&Dees 39.50 30.13
Þeer yeer.kesÀ. efoJeekeÀj(efoveebkeÀ 22.01.2019 lekeÀ) keÀe³e&heeuekeÀ efveosMekeÀ 46.55 23.70
Þeer Deej.meer. uees{e (efoveebkeÀ 28.02.2017 lekeÀ) keÀe³e&heeuekeÀ efveosMekeÀ 0.00 0.42
Þeer heer. Deej. cetefle& keÀe³e&heeuekeÀ efveosMekeÀ 24.98 23.54
Þeer yepejbie eEmen MesKeeJele keÀe³e&heeuekeÀ efveosMekeÀ 24.47 10.93
Þeer DeeueeskeÀ ÞeerJeemleJe (efoveebkeÀ 23.01.2019 mes) keÀe³e&heeuekeÀ efveosMekeÀ 4.60 0.00
kegÀue 154.79 88.72
veesì: DeeF&meerSDeeF& Üeje peejer SSme-18, mecye× heeìea he´keÀìerkeÀjCe kesÀ Deveg®íso 9 kesÀ Devegmeej Deveg<ebefie³eeW SJeb mene³ekeÀ GÐeceeW kesÀ uesveosveeW
keÀe he´keÀìerkeÀjCe veneR efkeÀ³ee ie³ee nw keÌ³eeWefkeÀ ³en jep³e efve³ebef$ele GÐece Üeje efkeÀmeer Dev³e mecye× jep³e efve³ebef$ele GÐece mes mecyebefOele uesveosve kesÀ
he´keÀìerkeÀjCe ve keÀjves keÀer ítì oslee nw.
181
4.5 uesKeebkeÀve ceevekeÀ 20 - mecetn keÀe heéfle Mes³ej Dee³e

uesKeebkeÀve ceevekeÀ SSme 20 kesÀ Devegmeej heéfle Mes³ej Dee³e keÀer ieCevee efvecveevegmeej keÀer ieF& nw :
31.3.2019 31.3.2018
FeqkeÌJeìer Mes³ejOeejkeÀ kesÀ efueS keÀj kesÀ yeeo GheueyOe Meg× ueeYe/ (neefve) (` keÀjesæ[ ceW) (5616.92) (5139.60)
Yeeefjle Deewmele FeqkeÌJeìer Mes³ejeW keÀer mebK³ee 2794601814 1937882867
heéfle Mes³ej cetue Dee³e (`) (20.10) (26.52)
heéfle Mes³ej keÀer [eFu³etìs[ Dee³e (`) (20.10) (26.52)
heéfle Mes³ej meebkesÀeflekeÀ Dee³e (`) 10.00 10.00
4.6 uesKeebkeÀve ceevekeÀ 22 - Dee³e hej keÀj keÀe uesKeebkeÀve (mecetn keÀe)
DeejyeerDeeF& Üeje meerF&ìer1 keÀer heefjieCevee ceW DeemLeefiele keÀj Deeeqmle³eeW ([erìerS) kesÀ efoMeeefveoxMeeW ceW mebMeesOeve SJeb heéJeOeeveerkeÀjCe keÀer cenÊJehetCe&
DeeJeM³ekeÀleeDeeW keÀes O³eeve ceW jKeles ngS, mece³eeblejCe kesÀ meehes#e heýebOeve Üeje Devegceeefvele mebYeeJ³e keÀj ueeYe kesÀ DeeOeej hej keÀer ieF& meceer#ee mes efoveebkeÀ
31 cee®e&, 2019 keÀes `7882.11 keÀjesæ[ DeemLeefiele keÀj Deeeqmle³eeW kesÀ ªhe ceW DeefYeef®eeqvnle efkeÀS ieS nQ.
efoveebkeÀ 31 cee®e&, 2019 keÀes DeemLeefiele keÀj Deeeqmle³eeW/os³eleeDeeW kesÀ hećegKe IeìkeÀ efvecveevegmeej nQ:
(` keÀjesæ[ ceW)
efJeJejCe DeemLeefiele keÀj Deeeqmle³eeb DeemLeefiele keÀj os³eleeSb
31.03.2019 31.03.2018 31.03.2019 31.03.2018
cetue yeQkeÀ
J³eeJemeeef³ekeÀ neefve 346.89 0.00 0.00 0.00
mLee³eer Deeeqmle³eeW hej cetu³eÛeme 0.00 0.00 27.77 21.24
Gheef®ele y³eepe; hejbleg efveJesMe hej heéh³e veneR 0.00 0.00 645.15 586.56
ígÆer vekeÀoerkeÀjCe kesÀ efueS heéJeOeeve 250.87 221.49 0.00 0.00
efveJesMe kesÀ efueS heéJeOeeve 0.00 575.91 0.00 0.00
$eÝCe SJeb Deefieće kesÀ efueS heéJeOeeve 8004.11 5213.37 0.00 0.00
Dee³e keÀj DeefOeefve³ece 1961 keÀer Oeeje 36(1)(viii) kesÀ Debleie&le keÀe efJeMes<e
Deejef#ele efveefOe 0.00 0.00 34.94 34.94
mesvì yeQkeÀ nesce HeÀeFveWme efue.
DeefiećeeW hej heéJeOeeve 4.29 4.71 0.00
mLee³eer Deeeqmle³eeW hej cetu³eÛeme 0.03 0.01 0.00
Dev³e 0.00 1.60 2.13
Dee³e keÀj DeefOeefve³ece 1961 keÀer Oeeje 36(1)(viii) kesÀ Debleie&le keÀe efJeMes<e
Deejef#ele efveefOe 0.00 15.18 13.62
mesvì yeQkeÀ HeÀeFveWefMe³eue mee|Jemespe efue. (Meg×) 0.60 0.57 0.00
³eesie 8606.76 6016.08 724.65 658.49
Meg× DeemLeefiele keÀj os³eleeSb 7882.11 5357.59
ueeYe-neefve Keeles ceW Je<e& 2018-19 kesÀ efueS DeemLeefiele keÀj Deeeqmle³eeW ceW Meg× yeæ{esÊejer ` 2524.52 keÀjesæ[ ( efheíues Je<e& ` 3013.23 keÀjesæ[) ceeveer
ieF&.
182
4.7 uesKeebkeÀve ceevekeÀ 28 - Deeeqmle³eeW keÀer neefve

yeQkeÀ keÀer Deeeqmle³eeW keÀe SkeÀ yeæ[e Yeeie Jes efJeÊeer³e Deeeqmle³eeb nw, efpevnW Deeeqmle³eeW hej neefve keÀe uesKeebkeÀve ceevekeÀ - 28 ueeiet veneR nw. heýebOeve kesÀ cele
ceW, efoveebkeÀ 31 cee®e&, 2019 keÀes efJeÊeer³e Deeeqmle³eeW kesÀ DeueeJee Dev³e Deeeqmle³eeW hej keÀesF& yeæ[er neefve heefjueef#ele veneR ngF& nw. efpemes ceev³e keÀjves keÀer
DeeJeM³ekeÀlee nw.
4.8 heéJeOeeveeW, DeekeÀeqmcekeÀ os³eleeDeeW SJeb DeekeÀeqmcekeÀ Deeeqmle³eeW hej - uesKeebkeÀve ceevekeÀ 29
(i) heéJeOeeve SJeb DeekeÀeqmcekeÀleeSb (` keÀjesæ[ ceW)
ueeYe-neefve Keeles kesÀ Meer<e& 'J³e³e' kesÀ Debleie&le oMee&S ieS heéJeOeeve SJeb DeekeÀeqmcekeÀleeDeeW 31.03.2019 31.03.2018
keÀe ye´skeÀ-Dehe
efveJesMe hej heéJeOeeve/Ûeme (Meg×) 983.88 794.17
SveheerS nsleg heéJeOeeve 11029.86 10543.58
ceevekeÀ Deeeqmle nsleg heéJeOeeve (114.93) 6.31
keÀj nsleg efkeÀS ieS heéJeOeeve (2528.74) (2791.07)
hegveie&efþle $eÝCeeW hej heéJeOeeve (425.02) (950.62)
Dev³e heéJeOeeve (177.08) 235.52
kegÀue 8767.97 7837.89
(ii) DemLee³eer heéJeOeeve (` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
S DemLee³eer heéJeOeeve Keeles ceW heéjbefYekeÀ Mes<e 100.56 100.56
yeer uesKee Je<e& ceW efkeÀS ieS DemLee³eer heéJeOeeveeW keÀer jeefMe - -
[er DemLee³eer heéJeOeeve Keeles ceW Debeflece Mes<e 100.56 100.56
(iii) heéfle®e¬eÀer³e heéJeOeeveerkeÀjCe yeHeÀj : (` keÀjesæ[ ceW)
efJeJejCe 31.03.2019 31.03.2018
S heéfle®e¬eÀer³e heéJeOeeve Keeles ceW heéjbefYekeÀ Mes<e 47.34 47.34
yeer uesKee Je<e& ceW efkeÀS ieS heéfle®e¬eÀer³e heéJeOeeveeW keÀer jeefMe - -
[er heéfle®e¬eÀer³e heéJeOeeve Keeles ceW Debeflece Mes<e 47.34 47.34
5.1 keÀe@heexjsì meeceeefpekeÀ oeef³elJe :
Je<e& kesÀ oewjeve mesvì yeQkeÀ nesce HeÀe³evesvme, Deveg<ebieer ves kebÀheveer DeefOeefve³ece 2013 SJeb FmekesÀ efve³eceeW kesÀ Debleie&le Oeeje 135 kesÀ lenle keÀe@heexjsì meeceeefpekeÀ
oeef³elJe kesÀ efueS ` 0.39 keÀjesæ[ (efheíues Je<e& ` 0.33 keÀjesæ[) Ke®e& efkeÀS.
5.2 heermeerDeej (heéJeOeeve-mekeÀue SveheerS Devegheele) 76.60% (iele Je<e& 63.31%)- cetue yeQkeÀ.
183
5.3
mesvì yeQkeÀ HeÀe³eveseqvMe³eue mee|Jeefmeme efue., Deveg<ebieer, Mes³eme&, heéfleYetefle³eeW SJeb De®eue mebheefÊe³eeW keÀer he´ke=Àefle ceW Deheves ieénkeÀ kesÀ he#e ceW v³eemeer ueeYeeLeea
mebyebOe ceW he´l³e³eer kesÀ ªhe ceW efveJesMe keÀjlee nw, peesefkeÀ efveosMekeÀ ceb[ue keÀer ¢eqä ceW he³ee&hle megjef#ele nw SJeb Gef®ele DeefYeuesefKele nw SJeb Fme he´l³e³eer mebyebOe mes
mebyebefOele meYeer GÊejoeef³elJeeW keÀe hetCe& ªhe mes efveJen&ve efkeÀ³ee peelee nw.
5.4
SkeÀ mece³eeJeefOe ceW efJeefYeVe kebÀheefve³eeW / Ghe¬eÀceeW mes heéhle ueeYeebMe, y³eepe SJeb Dev³e keÀe@heexjsì ueeYe ` 1.51 keÀjesæ[ keÀer jeefMe mesvì yeQkeÀ HeÀe³eveseqvMe³eue
mee|Jeefmeme efue., Deveg<ebieer ves v³eeme / ueeYeee|Le³eeW keÀes Debleefjle / Deeyebefìle veneR keÀer nQ, efpevekesÀ efveJesMe heesì&HeÀesefue³ees v³eemeOeeefjlee mesJeeDeeW kesÀ Debleie&le GvekesÀ
he#e ceW nw. GÊeÀ jeefMe efoveebkeÀ 31.03.2018 keÀes ` 1.43 keÀjesæ[ Leer SJeb efoveebkeÀ 31 cee®e& 2019 keÀes ³en yeæ{keÀj ` 1.51 keÀjesæ[ nes ie³eer. Fmeer
he´keÀej, ` 0.16 keÀjesæ[ keÀer efye¬eÀer / Mes³eme& kesÀ cees®eve keÀer Deeiece jeefMe / ueeYeebMe keÀer jeefMe mebyebefOele v³eeme / ueeYeeLeea keÀes Debleefjle / Deeyebefìle veneR
keÀer ie³eer nw. ³en Je<e& 2005-06 mes yekeÀe³ee Mes<e nw. Fmeves ³en jeefMe Deheves yeQkeÀ kesÀ ®eeuet Keelee ceW jKeer nw.
5.5
YeeefjyeQ kesÀ efoMeeefveoxMe [eryeerDees[er meb. yeerheer.yeermeer.57/62-88 efoveebkeÀ 31 efomecyej, 1988 kesÀ Devegmeej, efoveebkeÀ 30 pegueeF&, 2018 keÀes meceehle
DeefOekeÀlece 120 efoveeW kesÀ efueS peesefKece meePesoejer DeeOeej hej efoveebkeÀ 31.03.2019 keÀes ` efvejbkeÀ keÀjesæ[ (efheíues Je<e& ` 2115.52 keÀjesæ[) kesÀ Deblej-
yeQkeÀ Yeeieeroejer hećeeCehe$e (DeeF&yeerheermeer) peejer keÀer Leer, efpeme keÀejCe efoveebkeÀ 31.03.2018 keÀes yeQkeÀ kesÀ kegÀue DeefiećeeW ceW Fleveer cee$ee keÀce nes ieF&.
5.6
heýebOeve kesÀ Üeje SkeÀ$e keÀer ie³eer peevekeÀejer kesÀ Devegmeej, Jesv[me&, efpevekeÀer mesJeeSb ueer ie³eer nQ SJeb efpevemes cetue yeQkeÀ Üeje Kejeroer keÀer ie³eer nw, Jes met#ce, ueIeg
SJeb ceO³ece GÐeesie efJekeÀeme DeefOeefve³ece, 2006 kesÀ Debleie&le hebpeerke=Àle veneR nQ. ³en uesKeehejer#ekeÀeW Üeje efJeéeeme efkeÀ³ee ie³ee nw.
5.7
met®evee megj#ee, FueskeÌìê@efvekeÀ yeQeEkeÀie, lekeÀveerkeÀer peesefKece heýebOeve SJeb meeFyej OeesKeeOeefæ[³eeW hej efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve.
cetue yeQkeÀ ves Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e DeejyeerDeeF&/2010-11/494 [eryeerSme.meerDees. DeeF&ìermeer.yeermeer.meb. 6/31.02.008/2010-11 efoveebkeÀ 29
Dehe´wue 2011 kesÀ Devegmeej veerefle³eeb lew³eej keÀer nQ. Fve veerefle³eeW keÀer heýebOeleb$e Üeje DeeJeefOekeÀ meceer#ee keÀer peeleer nw. Fve veerefle³eeW keÀer efheídueer meceer#ee efoveebkeÀ
28.03.2019 keÀes Dee³eesefpele yewþkeÀ ceW efveosMekeÀ ceb[ue Üeje keÀer ieF& Leer.
5.8
cetue SJeb Deveg<ebefie³eeW keÀer SkeÀue efJeÊeer³e efJeJejCeer³eeW ceW he´keÀì kesÀ ieF& DeefleefjÊeÀ meebefJeefOekeÀ peevekeÀejer mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW kesÀ mel³e SJeb Gef®ele
DeefYecele keÀes heÝeeefJele veneR keÀjleer nw SJeb DeeF&meerSDeeF& Üeje peejer meeceev³e mheäerkeÀjCe kesÀ heefjhes#³e ceW Gve ceoeW pees cenlJehetCe& veneR nQ, mes mebyebOeer
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW ceW he´keÀìerkeÀjCe veneRefkeÀ³ee ie³ee nw.
5.9 SvemeerSueìer heéJeOeeveeW mes mebyebefOele he´keÀìerkeÀjCe :
YeeefjyeQ kesÀ heefjhe$e meb. [eryeerDeej meb. yeerheer.15199/21.04.048/ 2016-17 leLee [eryeerDeej meb. yeerheer.1906/21.04.048/2017-18 efoveebkeÀ
23.06.2017 Deewj efoveebkeÀ 28.08.2017 kesÀ Devegmeej efoJeeuee leLee efoJeeefue³eeheve keÀes[ (DeeF&yeermeer) kesÀ heéJeOeeveeW kesÀ Debleie&le keÀJej efkeÀS ieS KeeleeW
kesÀ mebyebOe ceW cetue yeQkeÀ ves efoveebkeÀ 31.03.2019 keÀes ` 6,479.59 keÀjesæ[ keÀe kegÀue heéJeOeeve (kegÀue yekeÀe³ee keÀe 86.34%) jKee nw.
5.10 DeejyeerDeeF& ves Deheves heefjhe$e [eryeerDeej mebK³ee yeerheer.yeermeer.108/21.04.048/2017-18 efoveebkeÀ 6 petve, 2018 kesÀ ceeO³ece mes yeQkeÀeW keÀes SceSmeSceF&
GOeejkeÀlee&DeeW kesÀ SkeÌmehees]pej keÀes ceevekeÀ Deeeqmle³eeW ceW Jeieeake=Àle keÀjles jnves nsleg Devegcele efkeÀ³ee Lee. leoevegmeej, yeQkeÀ ves efoveebkeÀ 31.03.2019 keÀes `
241.68 keÀjesæ[ kesÀ Deefieće keÀes ceevekeÀ Deeeqmle³eeW ceW jKee nw. heéJeOeeveeW kesÀ heefjhe$e kesÀ Devegmeej, yeQkeÀ ves Fve KeeleeW hej Deheéhle y³eepe hej O³eeve veneR
efo³ee nw SJeb efoveebkeÀ 31 cee®e&,2019 keÀes Fve GOeejkeÀlee&DeeW kesÀ mebyebOe ceW (241.68 keÀjesæ[ hej @ 5%) `12.08 keÀjesæ[ keÀe ceevekeÀ heéJeOeeve efkeÀ³ee
nw. FmekesÀ DeefleefjÊeÀ, DeejyeerDeeF& kesÀ heefjhe$e mebK³ee [eryeerDeej. veb.yeerheer.yeermeer.18/21.04.048/2018-19 efoveebkeÀ 1 peveJejer,2019 kesÀ Devegmeej
’SceSmeSceF& GOeejkeÀlee&DeeW keÀes ítì ceeue SJeb mesJee keÀj kesÀ Debleie&le hebpeerke=Àle efkeÀ³ee ie³ee nQ“. efoveebkeÀ 31 cee®e&,2019 keÀes SceSmeSceF& kesÀ hegvej&ef®ele
KeeleeW keÀe efJeJejCe efvecveevegmeej nw :-
hegvej&ef®ele KeeleeW keÀer mebK³ee jeefMe (` keÀjesæ[ ceW)
1202 97.13
5.11 SceìerSce neefve³eeW kesÀ efJemleej kesÀ mebyebOees ÒekeÀìerkeÀjCe
YeeefjyeQ kesÀ heefjhe$e meb. [eryeerDeej.meb.yeerheer.yeermeer.102/21.04.048/2017-18 efoveebkeÀ 02 Dehe´wue, 2018 kesÀ Devegmeej YeeefjyeQ, efoveebkeÀ DeejyeerDeeF&
ves Deheves heefjhe$e [eryeerDeej.veb.yeerheer.yeermeer.113/21.04.048/2018-19 efoveebkeÀ 15 petve, 2018 kesÀ ceeO³e mes yeQkeÀeW keÀes efoveebkeÀ 30 petve, 2018 keÀes
meceehle efleceener kesÀ efueS SSHeÀSme SJeb S®eìerSHeÀ ÞesCeer ceW jKes ie³es efveJesMeeW hej SceìerSce neefve keÀes efpeme efleceener ceW neefve ngF& nw Gme efleceener mes DeejcYe
keÀj ®eejeW efleceeefn³eeW ceW Gme neefve keÀes HewÀueeves nsleg Devegcele efkeÀ³ee nw. 30 petve, 2018keÀes meceehle efleceener ceW `74.81 keÀjesæ[ keÀer Fme neefve keÀes heéJeOeeveeW
184
kesÀ efYeVekeÀeefuekeÀ keÀer Devegceefle keÀe ueeYe uesles ngS FmekesÀ ¼ keÀes petve SJeb efmelecyej, 2018 efleceeefn³eeW ceW yeebìe ie³ee nw SJeb iewj heefjMeesefOele yekeÀe³ee Mes<e `
37.40 keÀjesæ[ Lee. efoveebkeÀ 31.12.2018 keÀes yee@v[ oj De®íer nesves kesÀ keÀejCe DeemLeefiele heéJeOeeve keÀer DeeJeM³ekeÀlee veneR Leer. Gheg³e&ÊeÀ kesÀ heefjCeecele:
hetCe& SceìerSce neefve efoveebkeÀ 31.03.2019 keÀes hetCe&leewj hej keÀJej nes ie³eer.
5.12 peneb keÀneR Yeer DeeJeM³ekeÀ mecePee ie³ee nw Jeneb hej efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes hegveme&cetefnle/hegve:Jeieeake=Àle efkeÀ³ee ie³ee nw, efpememes efkeÀ Jele&ceeve Je<e& kesÀ
JeieeakeÀjCe mes meceªheCe nes mekesÀ.

mLeeve: cegbyeF&
185
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS

mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀer mecesefkeÀle vekeÀo he´Jeen efJeJejCeer
(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe 31- 03- 2019 31- 03- 2018
S Sheefj®eeueve ieefleefJeefOe³eeW mes vekeÀo he´Jeen
keÀjeW hetJe& ueeYe/(neefve) (8,131.13) (7,913.90)
I mecee³eespeve nsleg:
De®eue Deeeqmle³eeW hej cetu³eÛeme 277.93 260.50
efveJesMeeW hej cetu³eÛeme (heefjhekeÌye ef[yeW®ejeW meefnle) 983.88 794.17
iewj DeheefueefKele keÀpe&/ Devepe&keÀ Deeeqmle³eeW hej heéJeOeeve 10,628.26 9,566.65
ceevekeÀ Deeeqmle³eeW kesÀ efueS heéJeOeeve (115.75) 5.51
Dev³e ceoeW (Meg×) kesÀ efueS heéJeOeeve (198.54) 263.96
De®eue Deeeqmle³eeW (Meg×) keÀer efye¬eÀer hej (ueeYe)/neefve 4.43 4.49
Ghe ³eesie 3,449.08 2,981.38
II mecee³eespeve nsleg:
pecee ceW Je=ef× (keÀceer) 4,956.90 (1,954.74)
GOeejeW ceW Je=ef×/(keÀceer) (386.02) (3,597.62)
Dev³e os³eleeDeeW SJeb heéJeOeeveeW ceW Je=ef×/(keÀceer) (1,103.14) (1,826.94)
DeefiećeeW ceW (Je=ef×)/keÀceer (574.21) (26,582.21)
efveJesMeeW ceW (Je=ef×)/keÀceer (23,667.15) (11,287.07)
Dev³e Deeeqmle³eeW ceW (Je=ef×)/keÀceer 2,635.91 (1,808.19)
he´l³e#e keÀjeW keÀe Yegieleeve (Jeehemeer keÀer Meg× jeefMe Deeefo) 178.64 (301.02)
Ghe ³eesie (17,959.07) (47,357.80)
heefj®eeueve ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (S) (14,509.98) (44,376.42)
yeer efveJesMe ieefleefJeefOe³eeW mes vekeÀo he´Jeen

De®eue Deeeqmle³eeW keÀer efye¬eÀer/efveheìeve 3.48 4.13
De®eue Deeeqmle³eeW keÀer Kejero (254.42) (314.36)
efveJesMe ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (yeer) (250.94) (310.23)
meer efJeÊeheesef<ele ieefleefJeefOe³eeW mes vekeÀo he´Jeen

Mes³ej hetbpeer (Mes³ej heérefce³ece meefnle) 6,592.00 5,158.00
Mes³ej DeeJesove jeefMe 212.54 -
ueeYeebMe - Debleefjce ueeYeebMe meefnle FeqkeÌJeìer Mes³ej (7.00) (3.25)
ueeYeebMe keÀj (1.43) (0.66)
efJeÊeheesef<ele ieefleefJeefOe³eeW mes Meg× vekeÀo he´Jeen (meer) 6,796.11 5,154.09
186
efoveebkeÀ 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS

mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee keÀer mecesefkeÀle vekeÀo he´Jeen efJeJejCeer
(` keÀjesæ[ ceW)
¬eÀ.meb. efJeJejCe 31- 03- 2019 31- 03- 2018
[er vekeÀo SJeb vekeÀo legu³e (S + yeer + meer) ³ee (SHeÀ - F&) ceW Meg× Je=ef× (7,964.81) (39,532.56)
F& Je<e& kesÀ heéjbYe ceW vekeÀo leLee vekeÀo legu³e

Je<e& kesÀ heéjbYe ceW Meg× vekeÀo leLee vekeÀo mecekeÀ#e (F&) 39,262.41 78,794.97
SHeÀ Je<e& keÀer meceeeqhle hej vekeÀo leLee vekeÀo legu³e

Je<e& kesÀ Deble ceW Meg× vekeÀo leLee vekeÀo mecekeÀ#e (SHeÀ) 31,297.59 39,262.41
veesìdme:
1) GÊeÀ mecesefkeÀle vekeÀo he´Jeen efJeJejCeer DeeF&meerSDeeF& Üeje peejer vekeÀo he´Jeen efJeJejCeer hej uesKeebkeÀve ceevekeÀ - 3 ceW efveOee&jCe Devegmeej 'Dehe´l³e#e ceeO³ece' kesÀ
Debleie&le lew³eej efkeÀS ieS nQ.
2) efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes Jele&ceeve Je<e& ceW megefveeq½ele keÀjves kesÀ efueS hegveme&ceesefnle/hegveJ³e&JeeqmLele efkeÀ³ee ie³ee nw.

mLeeve: cegbyeF&
187
veesìdme / Notes
188

heÓeeve keÀe³ee&ue³eë ®evojcegKeer, vejerceve hee@bF¥ì, cegbyeF& 400 021
HeÀe@ce& `yeer'
heé@keÌmeer keÀe HeÀe@ce&
(Mes³ejOeejkeÀ Üeje Yeje SJeb nmlee#eefjle efkeÀ³ee peeS)
12JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ
heVee meb. ³ee [erheer DeeF&[er # /ieénkeÀ DeeF&[er #
Mes³ejeW keÀer mebK³ee
ceQ/nce efveJeemeer
efpeuee jep³e mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ/ keÀer Mes³ejOeejkeÀ keÀer nwefme³ele mes
Þeer/megÞeer
efveJeemeer
efpeuee jep³e keÀes DeLeJee GmekeÀer DevegheeqmLeefle
ceW Þeer/megÞeer. efveJeemeer
efpeuee jep³e
keÀes Meg¬eÀJeej, 28 petve, 2019 oesHenj 12.00 yepes, ®ebojcegKeer vejerceve hee@Fvì, cegcyeF& -400021 eqmLele yeQkeÀ kesÀ heÓeeve keÀe³ee&ue³ekesÀ 9JeW ceeues mesvìûe yeQkeÀ Dee@HeÀ
Fbef[³ee kesÀ Mes³ejOeejkeÀeW keÀer Dee³eesefpele nesves Jeeueer 12JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ ceW cesjs/nceejs efueS Deewj cesjer/nceejer Deesj mes cele osves kesÀ efueS efve³egÊeÀ keÀjlee/keÀjleer
ntb/keÀjles nQ.
leejerKe ceen Je<e& 2019 keÀes ³en nmlee#eefjle efkeÀ³ee ie³ee.
heé@keÌmeer kesÀ nmlee#ej ke=ÀHe³ee
jsJesv³et mìwHe
ef®eHekeÀeSb
he´Lece/SkeÀue Mes³ejOeejkeÀ kesÀ nmlee#ej

veece
(mheä De#ejeW ceW)
helee

189
heé@keÌmeer HeÀe@ce& keÀes nmlee#eefjle SJeb he´mlegle keÀjves nsleg DevegosMe

1. heé@keÌmeer keÀe keÀesF& Yeer he´he$e leye lekeÀ JewOe veneR nesiee, peye lekeÀ efkeÀ;
(S) Jew³eefÊeÀkeÀ Mes³ejOeejkeÀ keÀer eqmLeefle ceW, ³en GmekesÀ mJe³eb kesÀ ³ee GmekesÀ Üeje efueefKele ceW efJeefOeJele heéefOeke=Àle efkeÀS ieS Deìeveea Üeje nmlee#eefjle ve nes.
(yeer) meb³egkeÌÊe OeejkeÀeW keÀer eqmLeefle ceW, ³en jefpemìj hej efueKes ngS he´Lece veece Jeeues Mes³ejOeejkeÀ Üeje mJe³eb ³ee efueefKele ceW efJeefOeJele heéefOeke=Àle Deìeveea Üeje
nmlee#eefjle ve nes.
(meer) keÀe@heexjsì efvekeÀe³e keÀer eqmLeefle ceW, ³en GmekesÀ DeefOekeÀejer ³ee efueefKele ceW efJeefOeJele heéefOeke=Àle Deìeveea Üeje nmlee#eefjle ve nes.
2. Ssmes Mes³ejOeejkeÀ pees efkeÀmeer Yeer keÀejCe mes Dehevee veece efueKeves ceW DemeceLe& nes, GvekesÀ heé@keÌmeer HeÀece& he³ee&hle ªhe mes nmlee#eefjle ceeves peeSbies ³eefo Gve he´he$eeW hej
GvekesÀ Debietþs keÀer íehe ueieer nes SJeb efpemes v³ee³eeOeerMe, cewefpemì^sì, DeM³eesjWme kesÀ jefpemìêj ³ee meye-jefpemìêj ³ee mejkeÀejer jepeheef$ele DeefOekeÀejer ³ee mesvìûe yeQkeÀ
Dee@HeÀ Fbef[³ee kesÀ DeefOekeÀejer Üeje mee#³eebefkeÀle efkeÀ³ee ie³ee nes.
3. keÀesF& Yeer heé@keÌmeer leye lekeÀ JewÐe veneR ceeveer peeSieer peye lekeÀ efkeÀ Jen efJeefOeJele mìweqchele veneR nw Deewj Gmes yeQkeÀ kesÀ ®evojcegKeer, vejerceve hee@Fbì, cegbyeF& 400021
eqmLele heÓeeve keÀe³ee&ue³e ceW yewþkeÀ keÀer le³e leejerKe mes keÀce mes keÀce 4 efove hetJe& DeLee&le Meg¬eÀJeej, 21 petve, 2019 keÀes mee³eb: 5.00 yepes mes hetJe& lekeÀ Òemlegle ve
keÀj oer peeS pees efkeÀ jefJeJeej, 23 petve, 2019 DeJekeÀeMe efoJeme mes SkeÀoce Henues keÀe keÀe³ee&ue³eerve efoJeme nw. cegKleejveecee (hee@Jej Dee@HeÀ Deìeveea) ³ee Dev³e
heéefOekeÀej, (³eefo keÀesF& nw), efpemekesÀ Debleie&le ³en nmlee#eefjle keÀer ieF& nes ³ee veesìjer heeqyuekeÀ ³ee cewefpemì^sì Üeje hećeeefCele cegKleejveecee (hee@Jej Dee@HeÀ Deìeveea) ³ee
heéefOekeÀej keÀer heéfle kesÀ meeLe he´mlegle ve keÀj efo³ee peeS.
4. yeQkeÀ ceW pecee efkeÀ³ee ie³ee heé@keÌmeer keÀe he´he$e DeheefjJele&veer³e leLee Debeflece nesiee.
5. heé@keÌmeer keÀe he´he$e ³eefo efJekeÀuhe kesÀ meeLe oes ueesieeW kesÀ he#e ceW efo³ee ie³ee nw lees kesÀJeue SkeÀ ner he´he$e efve<heeefole efkeÀ³ee peeSiee.
6. efpeme Mes³ejOeejkeÀ ves heé@keÌmeer keÀe efueKele efve<heeefole keÀj efo³ee nes, Jen Gme yewþkeÀ ceW mJe³eb celeoeve nsleg hee$e veneR nesiee, efpemekesÀ efueS efueKele efve<heeefole efkeÀ³ee
ie³ee nes.
7. yeQkeÀ kesÀ DeefOekeÀejer ³ee keÀce&®eejer keÀes efJeefOeJele heéefOeke=Àle heéfleefveefOe ³ee heé@keÌmeer kesÀ ªhe ceW efve³egkeÌÊe veneR efkeÀ³ee pee mekeÀlee.
8. heé@keÌmeer HeÀece& keÀer meYeer keÀebì-íebìeW hej efve<heeovekeÀlee& Üeje Deheves ueIeg nmlee#ej efkeÀS peeves ®eeefnS.
9. heé@keÌmeer keÀe he´he$e ’HeÀe@ce& `yeer'“ ceW ve nesves hej JewÐe ceevee veneR peeSiee.
190

GheeqmLeefle he®eea
12JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ - Meg¬eÀJeej 28 petve, 2019 keÀes 12.00 yepes
hebpeerke=Àle heVee / [erheer DeeF&[er SJeb ieénkeÀ DeeF&[er/ Mes³ejeW
keÀer mebK³ee
meom³e keÀe veece SJeb helee (mheä De#ejeW ceW )
meb³egÊeÀ OeejkeÀ
GheeqmLele heékeÌmeerOeejkeÀe / heéfleefveefOe keÀe veece mheä De#ejeW ceW

( ³eefo keÀesF& nes)
GheeqmLele meom³e/heékeÌmeer/heéfleefveefOe kesÀ nmlee#ej

efove Deewj efoveebkeÀ Meg¬eÀJeej, 28 petve, 2019
mLeeve mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee, heÓeeve keÀe³ee&ue³e 9Jeeb ceeuee, ®ebojcegKeer vejerceve hee@Fvì cegcyeF& - 400021

he´JesMe heeme
(yewþkeÀ kesÀ oewjeve hetjs mece³e Deheves heeme jKeW)
12JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ - Meg¬eÀJeej, 28 petve, 2019 keÀes 12.00 yepes
mLeeve : mesvìûe yeQkeÀ Dee@HeÀ Fbef[³ee, heÓeeve keÀe³ee&ue³e, 9Jeeb ceeuee, ®ebojcegKeer vejerceve hee@Fvì, cegcyeF& -400021
hebpeerke=Àle heVee ¬eÀceebkeÀ ³ee [erheer DeeF&[er /ieénkeÀ DeeF&[er /
meom³e keÀe veece
GHeeqmLele meom³e/Heé@keÌmeer/ HeéfleefveefOe/ yeQkeÀ keÀer cegnj SJeb nmlee#ej

keÀe veece SJeb nmlee#ej
Mes³ejOeejkeÀeW/ heé@keÌmeer OeejkeÀeW/heéfleefveefOe³eeW mes DevegjesOe nw efkeÀ Jes ceereEìie neue ceW he´JesMe keÀjves kesÀ efueS Fme GheeqmLeefle men-he´JesMehe$e heeme hej efJeefOeJele nmlee#ej keÀj
Fmes he´mlegle keÀjW. he´JesMe heeme keÀe efnmmee Mes³ejOeejkeÀeW/ heé@keÌmeer OeejkeÀeW/heéfleefveefOe³eeW keÀes Jeeheme efkeÀ³ee peeSiee, pees ceereEìie kesÀ meceeheve lekeÀ Fmes Deheves heeme jKeWies.
leoeefhe DeeJeM³ekeÀ mecePes peeves Jeeues mel³eeheve/peeb®e kesÀ DeeOeej hej ner he´JesMe Devegcele nesiee. efkeÀmeer Yeer heefjeqmLeefle ceW ceereEìie neue ceW he´JesMe nsleg [ghueerkesÀì GheeqmLeefle
he®eea-men-he´JesMe heeme peejer veneR efkeÀ³ee peeSiee.
191
veesìdme / Notes
192
Annual Report 2018-19
CHAIRMAN’s MESSAGE
Dear Stakeholders,
The banking industry has gone through a tough phase over the past few years with multiple challenges confronting those
associated with it. However, going forward, there appears to be a glimmer of hope at the end of tunnel with the turbulence
of the recent past tending to attenuate. The thorny issue of impaired assets is in the process of being tackled. With the
quickening pace of corporate stressed asset resolution, and tapering off of fresh bad loan generation, the year 2019-20
in all likelihood should be optimistic for the banking industry. The reduction of impaired assets should release the much
needed capital of public sector banks thus augmenting their lending capacity. Further, regulatory oversight of the sector, will
no doubt, ensure the requisite discipline for an orderly growth in the market.
The world economy exhibited sluggishness in 2018 in advanced and emerging economies owing to several factors.
Principally, increasing trade protectionism and other uncertainties prevailing in the global economy have led to lowering
of growth projections by major international agencies for 2019. On the domestic front, the economy has shown signs of
moderation in the recent quarters. The Indian economy advanced 6.6 percent year-on-year in the last three months of
2018, below a downwardly revised 7 percent expansion in the previous period and market expectations of 6.9 percent,
and as compared to a 7.3 percent growth in Q3 of 2017-18, being the lowest growth rate in five quarters on the back of
weak consumer demand. The Brent oil price touched $80/barrel in October 2018 due to supply concerns, impacting India’s
current account balance. The Reserve Bank of India in its April 2019 Monetary Policy Statement projected India’s GDP to
grow by 7.2% in 2019-20.
While the Indian banking sector has undergone significant reforms over the last few years, there has been a significant
increase in competition in the banking industry from the emergence of FinTech companies, payment banks due to
technological advancement and tech-savvy human resources. Digitalisation is all around the banking spectrum with the
leveraging of big data, increased use of analytics, artificial intelligence, etc. being the order of the day. Our Bank has
embraced the technological challenge in the right spirit to enhance operational efficiency and to reduce operating costs
while minimizing risk. The objective is to eventually benefit the customers with better services. Our bank is fully conscious
of the ever rising customer expectations as technology driven sophistication in the banking environment continues to
accelerate.
The issue of Non-performing Assets (NPAs) is a key challenge in the Indian Banking Industry. Banking reforms, particularly
the introduction of the Insolvency and Bankruptcy Code (IBC) has created a new hope for resolution of the vexed NPA
issue. Initial outcomes from the IBC process are encouraging and we expect resolution of significant NPA accounts through
NCLT under IBC during the current financial year 2019-20. We have adopted a multi-pronged strategy to tackle the NPA
challenge, and we are confident to make noticeable gains in the same.
We have addressed the issues of due diligence, enhancing knowledge and skills in areas such as Credit, Treasury, Risk
Management, IT and Analytics. With Government of India promoting and incentivizing digitalization in a big way, our Bank
193
is also is in alignment with the same strategy. Human resource being a sine-qua-non for any vibrant organization, our bank
continues to lay the desired emphasis on its development. I am confident that by focusing our efforts in the key areas, we
shall emerge from the difficult times at the earliest and come out of red during the year 2019-20.
With regard to corporate governance, the Board of Directors continuously guides the senior management team of the Bank
to help them form business goals and objectives that should help the Bank to move towards a robust and sustainable
growth path. The thrust of the corporate governance has always been to maximize stakeholder value by pursuing ethical
practices in the conduct of business and maintaining high standards of disclosure and transparency. The Bank has adopted
best practices and standards of governance that are monitored by various Committees of the Board.
Finally, I thank customers for choosing us as their preferred service provider notwithstanding other options available to
them, and also our stakeholders for their continued support in all our endeavors
With best wishes,
Yours sincerely,
Sd/-
Tapan Ray
Place: Mumbai
Date: May 22, 2019.
194
MANAGING DIRECTOR AND

CHIEF EXECUTIVE OFFICER’s MESSAGE
Dear Shareholder,
The world economy has been navigating through challenging environment in recent times. After having a growth of 3.8% in
2017, the global growth moderated to 3.6% in 2018. As per IMF’s April 2019 projections, the global growth is expected to
moderate to 3.3% in 2019 before it jumps back to 3.6% in 2020. The second half of 2018 has exhibited growth moderation
globally. Chinese economy had witnessed slowdown due to measures taken to arrest shadow banking and rising trade
tensions with the US. The US Fed has indicated to follow a more accommodative monetary policy.
On the domestic front, the Indian economy had slowed down in the 3rd quarter of 2018-19. There was a moderation in
growth in private and government consumption expenditure in Q3 2018-19 compared to Q2 2018-19. Nonetheless, the
gross fixed capital formation continued to grow in double digit. The retail inflation stayed low and kept below 4% in all
months from August 2018 to March 2019 primarily due to benign food inflation. The fuel inflation was also relatively low in
the later part of 2018-19. On the Monetary Policy front, the Reserve Bank of India in February 2019 cut the repo rate by
25 basis points to 6.25% and also changed the stance to “neutral”. Subsequently in April 2019 the Reserve Bank of India
again cut the repo rate by 25 basis points to 6%.
From the banking industry’s perspective, the credit growth picked up in 2018-19 and remained above 10% year-on-year for
almost every month in 2018-19, as per Reserve Bank of India data. The credit to deposit ratio of the scheduled commercial
banks stood at about 78% in February 2019. On sectoral basis, the credit growth in the personal loan and services sector
registered double digit growth on year-on-year basis in March 2019.
Let me elucidate the highlights of your Bank’s performance in the year. During the Financial Year 2018-19, Business of the
Bank stood at `4,67,584 crore as compared to `4,72,323 crore in the Financial Year 2017-18. The Deposit of the Bank
stood at `2,99,855 crore as against `2,94,839 crore in March 31, 2018. The CASA share as a percentage of Total Deposits
stood at 46.21% as against 42.46% in Financial Year ended March 31, 2018. High Cost Deposits substantially reduced by
`793 crore and stood at `57 crore from `850 crore in the financial year ended March 31, 2018. Total Advances stood at
`1,67,729 crore in March 31, 2019 as against `1,77,484 crore in March 31, 2018, which was mainly due to reducing our
exposure in high risk weighted assets.
Asset Quality continued to be the major concern of the Banking Industry in general and particularly in the Bank for last 3-4
years. By putting concerted efforts, we were able to make Cash Recovery and upgradation of `5,656 crore in FY 2019 as
against `3,122 crore in FY 2018. Gross NPAs of the Bank reduced to `32,356 crore from `38,131 crore as on March 31,
2018. Similarly, Gross NPA percentage reduced to 19.29% as of March 31, 2019 compared to 21.48% as of March 31,
2018. Net NPA percentage was brought down to 7.73% as on March 31, 2019 from 11.10% as of March 31, 2018. We
expect resolution of certain big NPA accounts through NCLT under IBC during 2019-20. We shall continue to have focused
efforts to maximize NPA recovery, improve asset quality and earn net profit during the year 2019-20.
195
The Bank’s Cost of Deposits reduced to 5.21% during the financial year 2018-19 as against 5.53% during the financial
year 2017-18. Net Interest Income of the Bank increased to `6,773 crore from `6,517 during 2017-18 whereas Non Interest
Income reduced to `2,413 crore from `2,623 crore during 2017-18, which was mainly due to shifting loss of `325 crore
in the trading book. However, recovery in written off accounts improved by 35.85% over the previous year. Net Interest
Margin (NIM) was almost flat at 2.54% vis-à-vis 2.47% during financial year 2017-18. This was mainly on account of
reversal of interest in NPA accounts.
The Operating Profit of the Bank stood at `3,127 crore as against `2,733 crore in financial year 2017-18. However, Bank
has incurred Net Loss of `5,641 crore as compared to Net Loss of `5,105 crore during previous financial year, primarily,
due to higher NPA provisions, slippages/ ageing and additional provision in NCLT accounts, decline in Trading Profit
on Investments, etc. The Bank’s Provision Coverage Ratio improved from 63.31% as on 31.03.2018 to 76.60% as on
31.03.2019 which has strengthened the Balance Sheet. The Cost to Income ratio also improved significantly from 70.10%
as on 31.03.2018 to 65.96% as on 31.03.2019. The Capital to Risky Asset Ratio CRAR (Basel-III) improved from 9.04% in
FY 2018 to 9.61% in FY 2019. All these financial indicators show change in the right direction.
As on 31st March, 2019, Bank has a network of 4,659 branches, 3,966 ATMs, 10 satellite offices and 1 Extension Counter.
The pan India presence covering all 29 States, 5 out of 6 Union Territories and NCT Delhi, 574 District Head Quarters and
635 Districts out of 707 districts in the country, which is a source of strength to the Bank.
I am happy to present the Annual Report of the Bank for the year ended March 31, 2019.
With best wishes,
Yours sincerely,
Sd/-
Pallav Mohapatra
Place: Mumbai
Date: May 22, 2019
196
NOTICE
Notice is hereby given that the Twelfth Annual General Meeting of the shareholders of Central Bank of India will be held
on Friday, 28th June, 2019 at 12.00 Noon on 9th Floor at the head office of the Bank situated at Chandermukhi, Nariman
Point, Mumbai- 400 021 to transact the following business :
1) To discuss, approve and adopt the Audited Stand Alone and the Consolidated Balance Sheet of the Bank as at
31st March 2019, Stand Alone and Consolidated Profit and Loss Account of the Bank for the year ended 31st March
2019, 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.
2) To raise Capital through FPO/Rights Issue/QIP etc.
To consider and if thought fit, to pass with or without modification(s) the following as special 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 Central 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 and subject to such terms, conditions and modifications 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, 2018 (SEBI ICDR Regulations) and SEBI (Listing
Obligations and Disclosure Requirements) Regulations, 2015 (Listing Regulations) as amended up to date, guidelines,
if any, prescribed by the RBI, SEBI, notifications/ circulars and clarifications under the Banking 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 Listing Agreements entered into, with the Stock Exchanges where the equity shares
of the Bank are listed, consent of the shareholders of the Bank be and is hereby accorded to the Board of Directors
of the Bank (hereinafter called “Board”) which term shall be deemed to include Capital Raising Committee which the
Board have constituted or/may re-constitute, to exercise its powers including the powers conferred by this Resolution)
to create, offer, issue and allot (including with provision for reservation on firm allotment and/or competitive basis of
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 the value
of Rs. 5,000/- crore (Rupees Five Thousand Crore Only) (including premium, if any) 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 organisations, Qualified Institutional Buyers (“QIBs”), 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, including Qualified Institutions Placements with or without
over-allotment option and that such offer, issue, placement and allotment be made as per the provisions of the
Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the SEBI (Issue of Capital and Disclosure
Requirements) Regulations, 2018 (“SEBI ICDR Regulations”) and all other guidelines issued by the RBI, SEBI and
any other authority as applicable, and at such time or times in such manner and on such terms and conditions as the
Board may, in its absolute discretion, think fit.”
“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 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 SEBI ICDR Regulations,
other regulations and any and all other applicable laws, rules, regulations and guidelines, 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.”
197
“RESOLVED FURTHER THAT in accordance with the provisions of SEBI (Listing Obligations and Disclosure
Requirements) Regulations, 2015, the provisions of the Listing Agreements entered into with relevant stock exchanges,
the provisions of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the provisions of the
Central Bank of India (Shares and Meetings) Regulations, 1998, the provisions of SEBI 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, 2000, 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), Foreign Investment Promotion Board (FIPB), 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 Share Capital of the Bank, to
Qualified Institutional Buyers (QIBs) (as defined in Chapter VIII of the SEBI ICDR Regulations) pursuant to a Qualified
Institutions Placement (QIP), as provided for under Chapter VI of the SEBI 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 SEBI ICDR Regulations or other
provisions of the law as may be prevailing at that time”
“RESOLVED FURTHER THAT in case of a Qualified Institutions Placement pursuant to Chapter VI of the SEBI ICDR
Regulations:
A) The allotment of Securities shall only be to Qualified Institutional Buyers within the meaning of Chapter VIII of
the SEBI 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.”
B) The Bank in pursuant to provision of Regulation 176(1) of the SEBI ICDR Regulations is authorized to offer shares
at a discount of not more than five percent on the floor price as determined in accordance with the Regulations.
C) The relevant date for the determination of the floor price of the securities shall be in accordance with the SEBI
ICDR Regulations.”
“RESOLVED FURTHER THAT the Board shall have the authority and power to accept any modification in the 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 Central 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, the
Board be and is hereby authorized to determine the terms of the public offer, including the class of investors 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 its absolute discretion deems fit and do all such acts, 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 questions, difficulties or doubts that may arise
in regard to the public offer, issue, allotment and utilization of the issue proceeds, and to accept and to give effect to
such modifications, changes, variations, alterations, deletions, additions as regards the terms and conditions, as it may,
in its absolute discretion, deem fit and proper in the best 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.”
“RESOLVED FURTHER THAT the Board be and is hereby authorized to enter into and execute all such arrangements
with any Book Runner(s), Lead Manager(s), Banker(s),Underwriter(s), Depository(ies), Registrar(s), Auditor(s) and all
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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 effect to the above, the Board, in consultation with the Lead
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), 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, period of conversion,
fixing of record date or book closure and related or incidental matters, listings on one or more stock exchanges in India
and/or abroad, as the Board in its absolute discretion deems fit.”
“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 Board may deem fit and as permissible by law.”
“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,
proper and desirable and to settle any question, difficulty or doubt that may arise in regard to the issue of the shares/
securities and further to do all such acts, deeds, matters and things, finalise and execute all documents and writings
as may be necessary, desirable or expedient as it may in its absolute discretion deem fit, proper or desirable without
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 this Resolution.”
“RESOLVED FURTHER THAT the Board be and is hereby authorized to delegate all or any of the powers herein
conferred to the Managing Director and Chief Executive Officer or Executive Director(s) or such other officer(s) of the
Bank as it may deem fit to give effect to the aforesaid Resolution.“
BY ORDER OF THE BOARD OF DIRECTORS
Sd/-
Anand Kumar Das
Place: Mumbai Deputy General Manager
Date: 22.05.2019 Company Secretary
NOTES:
1. EXPLANATORY STATEMENT
The Explanatory Statement setting out the material facts in respect the business of the meeting is annexed hereto.
2. APPOINTMENT OF PROXY:
A SHAREHOLDER ELIGIBLE TO ATTEND AND VOTE, IS ENTITLED TO APPOINT A PROXY TO ATTEND AND
VOTE INSTEAD OF HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK.
The instrument appointing proxy should, however be deposited at the Head Office of the Bank situated at
Chandermukhi, Nariman Point, Mumbai - 400021 not less than four days before the date fixed for the meeting i.e. on
or before 5.00 PM on Friday 21st June, 2019 being the immediate preceding working day to Sunday, 23rd June, 2019
which is holiday.
3. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE:

No person shall be entitled to attend or vote at any meeting of the shareholders of Central Bank of India as the
duly authorized representative of a company unless a copy of the resolution appointing him as a duly authorized
representative, certified to be a true copy by the chairman of the meeting at which it was passed, has been deposited
at the Head Office of the Bank situated at Chandermukhi, Nariman Point, Mumbai - 400021 not less than four days
before the date fixed for the meeting i.e. on or before 5.00 PM on Friday 21st June, 2019 being the immediate
preceding working day to Sunday, 23rd June, 2019 which is holiday.
4. No officer or employee of the Bank shall be appointed as Authorised Representative or proxy of a shareholder.
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5. ATTENDANCE SLIP-CUM-ENTRY PASS:

For the convenience of the shareholders, attendance slip-cum-entry pass is enclosed with this notice. Shareholders/
proxy holders/representatives are requested to affix their signature at the space provided therein and surrender the
same at the venue. Proxy holders / Authorised Representatives should state on the attendance slip-cum-entry pass
as “Proxy or Authorised Representative” as the case may be and should have proof of their identity by getting their
signature attested by the shareholder.
6. CLOSURE OF REGISTER OF SHAREHOLDERS:

The Register of Shareholders and Share Transfer Books of the Bank will remain closed from 25th June, 2019
(Tuesday) to 28th June, 2019 (Friday) (both days inclusive).
7. VOTING RIGHTS
In terms of the provisions of Section 3(2E) of the Act, no shareholder of the corresponding new Bank, other than the
Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of
ten per cent of the total voting rights of all the shareholders of the Bank.
Subject to the above, as per Regulation 68, each shareholder who has been registered as a shareholder shall have
one vote on show of hands and in case of a poll shall have one vote for each share held by him.
8. EXERCISE OF RIGHTS OF JOINT HOLDERS

As per Regulation 10 of the Regulations, if any share stands in the names of two or more persons, the person first
named in the register shall, as regards voting, be deemed to be the sole holder thereof. Hence if shares are in the
name of joint holders, then first named person is only entitled to attend the meeting and is only eligible to vote (by poll
or by show of hands) in the meeting.
9. Shareholders are requested to bring their copies of the Annual Report to the Meeting.
10 Intimation to shareholders holding shares in physical form:
As you may be aware that the shares cannot be traded in physical form and in order to impart liquidity to the
shareholders, we request you to convert your shares into Dematerialised form. You may convert your shares into
Demat by opening an Account with the nearest bank’s branch providing Demat Service. The list of branches providing
Demat services is available on website of the Bank. There are various advantages associated with converting your
shareholding in Demat form viz. avoidance of loss, bad deliveries, faster settlements, paperless trading, etc. Further,
intimations regarding change of address, bank mandate, nomination and request for transaction are required to be
given only at one place i.e. with the branch where you open your Demat Account even if you hold shares of more than
one Company/entity.
However, if you are still interested in holding the shares in physical form and not opting for demat, please provide us
with the following Bank details to enable us to credit your Account with the dividend (as and when declared) directly.
Ø Name of the Bank
Ø Address of the Branch
Ø Bank Account Number
Ø 9 digit MICR code of the branch
Ø IFSC code of the Branch
(preferably, send us a cancelled cheque/ copy of a cheque leaf).
Please note that the Bank Account should be in the name of the 1st holder of shares.
11 Intimation to shareholders holding shares in dematerialised form:

It is our constant endeavor to provide the best services to our valued shareholders. We observe that there are some
shareholders who are holding shares in demat form but have not registered/updated their Bank account details with
their Depository Participants (DPs) for getting Dividend amount directly credited to their Bank accounts. Accordingly,
Dividend declared earlier, was paid to them by sending Dividend Warrant (DW) to the addresses maintained by them
with Depositories.
200
It is worth noting that if such shareholders had registered / updated their Bank Account particulars with their DPs, the
Dividend Amount would have been credited directly to their bank account thus, ensuring faster receipt of Dividend right
on due date, saving time spent on receiving dividend warrant by post, no requirement for visiting bank for depositing
the Dividend Warrant, non-apprehension of loss / theft of dividend warrant in transit or the likelihood of fraudulent
encashment thereof.
We accordingly suggest these shareholders to register/ update their Bank Account details i.e. Bank Name, Branch
Address, Account No., Account Type, Nine Digit MICR Code Number as appearing on cheque issued by their banks,
with their Depository Participant with whom they are maintaining their Demat Account, to facilitate credit of dividend
amount (as and when declared) directly to their Bank accounts right on due date. In addition to this, they may also
send directly to the Bank or its RTA namely, Link Intime India Pvt. Limited abovesaid bank details with mandate to
credit all future dividend amounts, refund amounts or other remittances, if any, to their bank accounts instead of
sending any Dividend warrant, cheque, Demand Draft , etc.
12. UNCLAIMED DIVIDEND, IF ANY

The shareholders who have not encashed their Dividend Warrants / or have not received dividend for any of the
previous years are requested to contact the Registrar and Share Transfer Agent or the Bank for arranging payment
thereof directly to their Bank A/c or for issue of duplicate dividend warrant/Demand Draft.
As per Section 10B of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the amount of
dividend remaining unpaid or unclaimed for a period of seven years from the date of transfer to the Unpaid Dividend
Account is required to be transferred to the Investor Education and Protection Fund (IEPF) and thereafter no claim for
payment shall lie in respect thereof either to the Bank or to the IEPF.
13. Voting through electronic means

I. In compliance with Regulation 44 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations,
2015 read with Rule 20 of the Companies (Management and Administration) Rules, 2014, the Bank is pleased to
offer remote e-voting facility as an alternative mode of voting which will enable the Members to cast their votes
electronically. Necessary arrangements have been made by the Bank with Central Depository Services (India)
Limited (CDSL) to facilitate remote e-voting.
The process and instructions for remote e-voting are as under :
(i) The remote e-voting period begins on Tuesday, 25th June 2019 at 10.00 AM and ends on Thursday,
27th June 2019 at 05.00 PM. During this period shareholders of the Bank holding shares either in physical
form or in dematerialized form as on the cut-off date i.e.Friday, 21st June 2019, may cast their vote
electronically. The remote e-voting module shall be disabled by CDSL for voting thereafter.
(ii) The shareholders should log on to the e-voting website www.evotingindia.com.
(iii) Click on Shareholders/Members.
(iv) Now Enter your User ID
a. For CDSL: 16 digits beneficiary ID,
b. For NSDL: 8 Character DP ID followed by 8 Digits Client ID,
c. Members holding shares in Physical Form should enter Folio Number registered with the Bank.
(v) Next enter the Image Verification as displayed and Click on Login.
(vi) If you are holding shares in demat form and had logged on to www.evotingindia.com and voted on an earlier
voting of any company/entity, then your existing password is to be used.
(vii) If you are a first time user follow the steps given below:
For Members holding shares in Demat Form and Physical Form
PAN Enter your 10 digit alpha-numeric PAN issued by Income Tax Department (Applicable for both
demat shareholders as well as physical shareholders)
Members who have not updated their PAN with the Company/Depository Participant are
requested to use the sequence number which is printed on Address Sticker pasted on the EGM
Notice, indicated in the PAN field.
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Dividend Enter the Dividend Bank Details or Date of Birth (in dd/mm/yyyy format) as recorded in your
Bank Details demat account or in the Bank records in order to login.
OR Date of If both the details are not recorded with the depository or Bank, please enter the member id
Birth (DOB) / folio number in the Dividend Bank details field as mentioned in instruction (iv).
(viii) After entering these details appropriately, click on “SUBMIT” tab.
(ix) Members holding shares in physical form will then directly reach the Bank selection screen. However,
members holding shares in demat form will now reach ‘Password Creation’ menu wherein they are required to
mandatorily enter their login password in the new password field. Kindly note that this password is to be also
used by the demat holders for voting for resolutions of any other company/entity on which they are eligible to
vote, provided that company/entity opts for e-voting through CDSL platform. It is strongly recommended not to
share your password with any other person and take utmost care to keep your password confidential.
(x) For Members holding shares in physical form, the details can be used only for remote e-voting on the
resolutions contained in this Notice.
(xi) Click on the EVSN of CENTRAL BANK OF INDIA on which you choose to vote.
(xii) On the voting page, you will see “RESOLUTION DESCRIPTION” 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.
(xiii) Click on the “RESOLUTIONS FILE LINK” if you wish to view the entire Resolution details.
(xiv) After selecting the resolution you have decided to vote on, click on “SUBMIT”. A confirmation box will be
displayed. If you wish to confirm your vote, click on “OK”, else to change your vote, click on “CANCEL” and
accordingly modify your vote.
(xv) Once you “CONFIRM” your vote on the resolution, you will not be allowed to modify your vote.
(xvi) You can also take out print of the voting done by you by clicking on “Click here to print” option on the Voting
page.
(xvii) If Demat account holder has forgotten the changed login password then Enter the User ID and the image
verification code and click on Forgot Password & enter the details as prompted by the system.
(xviii) Shareholders can also cast their vote using CDSL’s mobile app m-Voting available for 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
• Non-Individual shareholders (i.e. other than Individuals, HUF, NRI etc.) and Custodian are required to log
on to www.evotingindia.com and register themselves as Corporates.
• A scanned copy of the Registration Form bearing the stamp and signature of the entity should be emailed
to helpdesk.evoting@cdslindia.com.
• After receiving the login details a compliance 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.
• The list of accounts should be mailed to helpdesk.evoting@cdslindia.com and on approval of the
accounts they would be able to cast their vote.
• A scanned copy of the Board Resolution and Power of Attorney (POA) which they have issued in favour
of the Custodian, if any, should be uploaded in PDF format in the system for the scrutinizer to verify the
same.
(xx) In case you have any queries or issues regarding remote 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.
II. The voting rights of shareholders shall be in proportion to their shares in the paid up equity share capital of the
Bank as on the cut-off date i.e. Friday, 21st June, 2019. However, in terms of the provisions of Section 3(2E) of
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the Banking Companies (Acquisition and Transfer of Undertakings) Act,1970 no shareholder of the Bank other
than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in
excess of ten per cent of the total voting rights of all the shareholders of the Bank.
III. A person, whose name is recorded in the register of members or in the register of beneficial owners maintained
by the depositories as on the cut-off date, i.e. Friday, 21st June, 2019 only shall be entitled to avail the facility of
remote e-voting and e-voting/poll at AGM.
IV. Any person who becomes a member of the Bank after dispatch of the Notice of the Meeting and holding shares
as on the cut-off date i.e. Friday, 21st June 2019, may obtain the User ID and password in the manner as
mentioned herein above.
V. A copy of this notice has been placed on the website of the Bank and the website of CDSL.
VI. Shri Ankur Kumar of EZY Laws, Advocates & Corporate Legal Advisors has been appointed as the Scrutinizer for
conducting the remote e-voting process in a fair and transparent manner.
VII. The Scrutinizer shall within a period not exceeding three (3) working days from the conclusion of the e-voting
period unblock the votes in the presence of at least two (2) witnesses not in the employment of the Bank and
make a Scrutinizer’s Report of the votes cast in favour or against, if any, forthwith to the Chairman.
VIII. The Results declared alongwith the Scrutinizer’s Report shall be placed on the Bank’s website www.
centralbankofindia.co.in and on the website of CDSL within two (2) days of passing of the resolution at the AGM of
the Bank and communicated to the BSE Limited and National Stock Exchange of India Limited.
203
EXPLANATORY STATEMENT
To raise Capital through FPO/Rights Issue/QIP etc.
As per Basel III regulations, the Bank is required to maintain minimum Common Equity Tier-1 (CET 1) ratio of 5.50% plus
Capital Conservation Buffer (CCB) of 2.50% in the form of equity capital, Tier 1 ratio of 9.50% and overall CRAR of 11.50%
by March 31, 2020. The Bank will be requiring capital to meet the prescribed capital adequacy ratio (CRAR) on ongoing
basis. Therefore, your Directors have decided to raise equity capital upto Rs. 5,000/- crore (Rupees Five Thousand
Crore Only) through various modes such as- Follow-on-Public Issue, Rights Issue, Private Placement including Qualified
Institutions Placements, etc. subject to approval of Government of India, Reserve Bank of India and other regulatory
authorities and in accordance with all applicable regulations including the SEBI (ICDR) Regulations. The enhanced capital
will be utilized for the general business purposes of the Bank.
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 the Board in its absolute discretion deems fit. The
detailed terms and conditions for the issuance of the equity shares as and when made will be determined by the Board
in consultation with the Merchant Bankers, Lead Managers, Advisors and 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 way of Qualified Institutions Placements, it will be ensured that:
i. The relevant date for the purpose of pricing of the Equity Shares would be, 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 the Capital
Raising Committee thereof decides to open the proposed issue of the equity shares, subsequent to the receipt of
Members’ approval 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 the 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 SEBI ICDR Regulations, the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970 and the Central 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 fully paid shares shall be made only to Qualified Institutional Buyers (QIBs) 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 the Advisors, Lead Managers
and Underwriters and such 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 over allotment, 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 previous financial year;
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 respects with the existing equity shares of the Bank including
dividend.
Your Directors recommend passing of the Special Resolution as mentioned in the notice for this agenda.
The Directors of the Bank may be deemed to be concerned with or interested in the resolution to the extent of their
shareholding in the Bank in their individual capacity.
BY ORDER OF THE BOARD OF DIRECTORS
Sd/-
Anand Kumar Das
Place: Mumbai Deputy General Manager
Date: 22.05.2019 Company Secretary
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TOTAL BUSINESS
(` in Crores)
PARAMETERS MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14 MAR. 15 MAR. 16 MAR. 17 MAR. 18 MAR. 19
Total Business 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390 4,50,539 4,56,336 4,49,679 4,72,323 4,67,584
YoY Growth 35.48% 18.10% 23.49% 15.43% 11.63% 15.96% 5.25% 6.41% 1.29% (1.46%) 5.04% (1.00%)
Total Deposits 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069 2,55,572 2,66,184 2,96,671 2,94,839 2,99,855
YoY Growth 33.28% 18.99% 23.49% 10.64% 9.38% 15.22% 6.21% 6.46% 4.15% 11.45% (0.62%) 1.70%
Total Loans & 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321 1,94,967 1,90,152 1,53,008 1,77,484 1,67,729
Advances
YoY Growth 38.88% 16.76% 23.49% 22.67% 14.70% 16.92% 4.02% 6.35% (2.47%) (19.53%) 16.00% (5.50%)
Investments 32,646 44,445 52,008 54,847 59,577 72,662 86,384 95,655 89,895 93,792 1,05,295 1,29,219
YoY Growth 12.43% 36.14% 17.02% 5.46% 8.62% 21.96% 18.88% 10.73% (6.02%) 4.34% 12.26% 22.72%
CD Ratio 67.34% 66.08% 66.08% 73.27% 76.83% 77.97% 76.36% 76.29 71.44 51.57% 60.20% 55.94%
Return on Assets 0.54% 0.45% 0.66% 0.70% 0.26% 0.44% (0.47%) 0.21% (0.48%) (0.80%) (1.61%) (1.70%)
PROFITABILITY
(` in Crores)
PARAMETERS MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14 MAR. 15 MAR. 16 MAR. 17 MAR. 18 MAR. 19
Gross Income 8,787 11,525 13,799 16,486 20,545 23,528 26,350 28,303 27,825 27,537 26,659 25,052
YoY Growth 30.94% 31.17% 19.73% 19.47% 24.62% 14.52% 11.99% 7.41% (1.69%) (1.03%) (3.19%) (6.03%)
Gross Expenses 7,518 10,088 11,741 13,895 17,730 20,355 23,112 24,744 25,183 24,448 23,926 21,925
YoY Growth 38.10% 34.18% 16.38% 18.35% 27.60% 14.81% 13.54% 7.06% 1.77% (2.92%) (2.14%) (8.36%)
Operating Profit 1,268 1,437 2,058 2,591 2,815 3,173 3,238 3,559 2,642 3,089 2,733 3,127
YoY Growth 0.20% 13.28% 43.24% 25.90% 8.65% 12.72% 2.05% 9.91% (25.77%) 16.92% (11.52%) 14.42%
Net Profit/Loss 550 571 1,059 1,252 533 1,015 (1,263) 606 (1,418) (2,439) (5,105) (5,641)
YoY Growth 10.47% 3.83% 85.36% 18.24% (57.43%) 90.43% (224.43%) 147.98 ---- ---- ---- ----
NIM (%) 2.53 1.97 1.86 3.31 2.78 2.65 2.73 2.79 2.78 2.51 2.47 2.54
Net Interest Income 2,223 2,228 2,545 5,326 5,169 5,738 6,493 7,247 7,065 6,574 6,517 6,773
YoY Growth (10.16%) 0.22% 14.23% 109.27% (2.95%) 11.01% 13.16% 11.60% (2.51%) (6.95%) (0.88%) 3.93%
Non Interest Income 791 1,070 1,735 1,265 1,395 1,667 1,923 1,894 1,938 2,876 2,623 2,413
YoY Growth 66.31% 35.26% 62.15% (27.09%) 10.28% 19.50% 15.35% (1.51%) 2.32% 48.40% (8.80%) (8.01%)
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DIRECTORS’ REPORT 2018-19

Your Directors have pleasure in presenting the Annual Report of the Bank along with the Audited Statement of Accounts,
the Profit and Loss accounts and the cash flow statement for the year ended March 31, 2019.
1. PERFORMANCE HIGHLIGHTS
Total Business of the Bank stood at `4,67,584 crore as at March 31, 2019 compared to `4,72,323 crore as at
March 31, 2018.
Total Deposits stood at `299855 crore in March 31, 2019 as against `294839 crore in March 31, 2018.
Total Advances of the Bank stood at `1,67,729 crore in March 31, 2019 as against `1,77,484 crore in March 31,
2018
Total Income for the financial year ended March 31, 2019 was `25,052 crore as compared to `26,659 crore for the
financial year ended March 31, 2018.
Non-Interest Income of the Bank stood at `2,413 crore for the financial year ended March 31, 2019 compared to
`2,623 crore for the financial year ended March 31, 2018.
Operating Profit of the Bank increased to `3,127 crore for the financial year ended March 31, 2019 as compared
to `2,733 crore for the corresponding previous financial year ended March 31, 2018 showing increase of 14.42%.
The Bank has incurred Net Loss of `5,641 crore for the financial year ended March 31, 2019 as compared
to Net Loss of `5,105 crore during previous financial year ended March 31, 2018 primarily due to higher NPA
provisions, higher slippages/ ageing and additional provision in NCLT accounts, significant decline in Trading Profit
on Investments etc.
Expenses on employees decreased by `471 crore during the financial year ended March 31, 2019 to `3,566 crore
from `4,037 crore in the previous financial year ended March 31, 2018.
Capital Adequacy Ratio (as per Basel-II) stood at 10.13% with Tier I at 5.70% and Tier II 4.43% for the financial
year ended March 31, 2019. Capital Adequacy Ratio (as per Basel-III) stood at 9.61% with Tier I at 7.49% and
Tier II 2.12% for the financial year ended March 31, 2019.
Net worth stood at `16,062.89 crore.
Cash Recovery increased to `5,161 crore in the financial year ended March 31, 2019 as compared to `2403 crore
in the previous financial year ended March 31, 2018.
Gross NPA to Gross Advances improved to 19.29% as on March 31, 2019 from 21.48% as on March 31, 2018.
Net NPA to Net Advances reduced to 7.73% as on March 31, 2019 as against 11.10% as on March 31, 2018.
Provision Coverage Ratio improved to 76.60% as on March 31, 2019 from 63.31% as on March 31, 2018.
Net Interest Margin (NIM) improved to 2.54% in the financial year ended March 31, 2019 from 2.47% in the
Financial Year ended March 31, 2018.
Business per Employee stood at `12.78 crore in the financial year ended March 31, 2019.
Return on Assets (ROA) is (1.70)% for the Financial Year ended March 31, 2019.
The credit deployment under priority sector increased to `83,201 crore in the financial year ended March 31,
2019, with a growth of `366 crore over financial year ended March 31, 2018. However, to take an advantage
of excessive lending over ANBC in Priority Sector credit, Bank undertook sale/purchase transactions in PSLCs.
During the year Bank sold PLSCs worth `27,436 crore under PS Advances and purchased PSLCs worth `5,885
crore under MSME portfolio. Thus, net Sale as at the close of FY was `21,551 crore. There is outstanding of RIDF
to the tune of `4,907.27 crore under Priority Sector of which `3,075.97 crore under Agriculture as on 31.03.2019.
Agriculture Advance of the Bank stood at `35,655 crore for the financial year ended March 31, 2019 as against
`30,776 crore for the previous financial year ended March 31, 2018, registering y-o-y growth of 15.85%.
MSME Advances for the Financial Year ended March 31, 2019 stood at Rs32,090 crore without PSLC and
Investment in SIDBI and Mudra Ltd. consisting 19.13% of the total Loans & Advances.
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Retail Loans increased to `48,666 crore in financial year ended March 31, 2019 from `48,123 crore in financial
year ended March 31, 2018.
Housing Loan portfolio of the Bank stood at `23,301 crore for the financial year ended March 31, 2019 as against
`21,392 crore for financial year ended March 31, 2018, registering y-o-y growth of 8.92%. Housing Loan Portfolio
constitutes 47.88 % of the total Retail Portfolio as on March 31, 2019.
Bank has established 46 RSETIs in 9 States of the country viz. Madhya Pradesh(18), Bihar(9), Maharashtra(6),
Uttar Pradesh(5), West Bengal(3), Chhattisgarh(2), Rajasthan(1), Orissa(1) and Assam(1). During the year 2018-
19, the RSETIs conducted 1098 training programmes and imparted training to 31,274 candidates. Out of this,
23,142 (i.e.74%) trainees were settled through bank credit, wage settlement and self-finance. Credit linkage of
settled candidates achieved is 13,227 i.e. 43%.
Bank has 3 RRBs as on 31st March 2019 in 3 states covering 48 districts with a network of 1,629 branches.
Under Financial Inclusion, Bank has covered 4,330 villages with population above 2,000 and 18,376 villages
with population below 2,000. Bank has covered all these villages through 6,387 BC Agents. Bank has opened
177 Urban Financial Inclusion centres. Bank has further opened 202 lakh Basic Saving Bank Deposit Accounts
(BSBDA) through its BCs and Branches. Total balance in these accounts is `3,307.16 crore as on 31st March,
2019.
Total earning from Bancassurance business is `22 crore for the financial year ended March 31, 2019.
As on 31st March 2019, Bank has network of 4,659 branches, spanning 63.32% branches in rural & semi-urban
areas, 3,966 ATMs, 10 satellite offices and 1 Extension Counter across the country.
2. INCOME & EXPENDITURE

Details of income and expenditure for the financial year 2018-19 are given hereunder:
(` in Crores)
31.03.2019 31.03.2018 Variation %

1 INTEREST INCOME 22639 24036 (1397) (5.81)
– Advances 12950 14478 (1528) (10.55)
– Investments 8454 7138 1316 18.44
– Others 1235 2420 (1185) (48.97)
2 NON INTEREST INCOME 2413 2623 (210) (8.01)
3 TOTAL INCOME (1+2) 25052 26659 (1607) (6.03)
4 INTEREST EXPENDED 15866 17519 (1653) (9.44)
– Deposits 15276 16222 (946) (5.83)
– Others 590 1297 (707) (54.51)
5 OPERATING EXPENSES 6059 6407 (348) (5.43)
– Establishment 3565 4037 (472) (11.69)
– others 2494 2370 124 5.23
6 TOTAL EXPENSES (4+5) 21925 23926 (2001) (8.36)
7 SPREAD (1-4) 6773 6517 256 3.93
8 OPERATING PROFIT (3-6) 3127 2733 394 14.42
9 PROVISIONS 8768 7838 930 11.87
10 PROVISIONS FOR TAX (2529) (2791) 262 (9.39)
11 NET PROFIT/(LOSS) (5641) (5105) (536) ------
207
3. PROVISIONS
Details of Total Provisions of `8,768 crore charged to the Profit and Loss Account during the financial year 2018-19
vis-a-vis previous financial year are detailed as under:
(` in Crores)
31.03.2019 31.03.2018 Variation
Provisions for Standard Assets (115) 7 (122)
Provisions for NPAs 11030 10543 487
Provisions for Restructured Accounts (425) (951) 526
Provision on Investments 984 799 185
Provisions for Taxes (2529) (2791) 262
Others (177) 231 (408)
TOTAL 8768 7838 930
4. PROFITABILITY RATIOS
(In percentage)
31.03.2019 31.03.2018
Cost of Deposits 5.21 5.53
Cost of Funds 5.28 5.79
Yield on Advances 7.28 8.31
Yield on Investments 7.15 7.14
Net Interest Margin 2.54 2.47
Cost to Income Ratio 65.96 70.10
5. BUSINESS RATIOS
(In percentage)
31.03.2019 31.03.2018
Interest Income to Average Working Fund (AWF) 6.81 7.59
Non-Interest Income to AWF 0.73 0.83
Operating Profit to AWF 0.94 0.86
Return on Average Assets (1.70) (1.61)
Business Per Employee (` In crore) 12.78 12.71
Net Profit per Employee (` In lakh) (15.55) (13.86)
6. CAPITAL TO RISK WEIGHTED ASSETS RATIO (CRAR)

The components of Capital Adequacy Ratio were as under:
31.03.2019 31.03.2018
Basel-III Basel-III
CET 1 / Tier-1 7.49 7.01
Tier-2 2.12 2.03
Capital Adequacy Ratio 9.61 9.04
7. NET LOSS
The Bank has incurred net loss amounting to `5,641 crore during the financial year ended March 31, 2019.
Accordingly, Board of Directors has not recommended any dividend on equity shares for the Financial Year 2018-19.
208
8. CHANGES IN THE BOARD DURING THE YEAR

During the year under review, the following changes took place in the Board of Directors of the Bank:
Shri Tapan Ray was appointed as Part-time Non-official as well as Non-executive Chairman of the Bank in terms
of Department of Financial Services, Government of India Notification, w.e.f. 23rd May, 2018.
Shri Rajeev Rishi, Managing Director & Chief Executive Officer ceased to be the Director of the Bank w.e.f. 1st
August, 2018.
Shri Pallav Mohapatra was appointed as Managing Director & Chief Executive Director of the Bank in terms of
Department of Financial Services, Government of India Notification, w.e.f. 21st September, 2018.
Shri Govind Mohan ceased to be Government of India Nominee Director of the Bank w.e.f. 14th May, 2018.
Dr. Bhushan Kumar Sinha was appointed as Government of India Nominee Director of the Bank in terms of
Department of Financial Services, Government of India Notification, w.e.f. 14th May, 2018.
Shri B.K. Divakara, Executive Director ceased to be the Director of the Bank w.e.f. 23rd January, 2019.
Shri Alok Srivastava was appointed as Executive Director of the Bank in terms of Department of Financial
Services, Government of India Notification, w.e.f. 23rd January, 2019 for a period of 3 years.
Shri K.R. Patel, Shareholder Director ceased to be the Director of the Bank w.e.f. 1st July, 2018.
Smt. Mini Ipe was elected as Shareholder Director of the Bank w.e.f. 1st July, 2018.
The Board places on record its appreciation of valuable contribution extended by Shri Rajeev Rishi, Shri Govind
Mohan, Shri B.K. Divakara and Shri K.R. Patel who ceased to be the Directors of the Bank during the Financial Year
2018-19.
8.1 Government of India, Ministry of Finance, Department of Financial Services vide Notification dated 26th April, 2019
nominated Shri Thomas Mathew, Regional Director Reserve Bank of India, Jammu as RBI Nominee Director in
place of existing RBI Nominee Director Shri Shekhar Bhatnagar, on the Board of our Bank with immediate effect (i.e.
w.e.f. 26th April, 2019) and untill further orders. The Board places on record its appreciation of valuable contribution
extended by Shri Shekhar Bhatnagar during his tenure as RBI Nominee Director of the Bank.
9. RAISING OF CAPITAL THROUGH EMPLOYEE STOCK PURCHASE SCHEME (ESPS)

During the financial year 2019-20, the Bank raised `212.53 crore Capital from the eligible employees under Employee
Stock Purchase Scheme (ESPS). The issue under ESPS was opened for subscription on 19th March, 2019 and closed
on 29th March, 2019. The Capital funds of `212.53 crore was kept in Share Application Money Account as on March
31, 2019. The Bank allotted requisite 7,87,16,224 equity shares to 26,071 eligible employees on 15th May 2019.
10. WHISTLE BLOWER POLICY

Bank follows Central Vigilance Commission Guidelines on Whistle Blower complaints under Public Interest Disclosure
and Protection of Informers (PIDPI) resolution. Bank also has a web based portal in the name of “Cent Vigil” to
facilitate reporting malpractices by employees and directors without revealing their identities which would be known
to the Chief Vigilance Officer only. Directors and Employees may also approach Chairman of the Audit Committee on
need basis. This helps to curb malpractices, prevent frauds and boost up morale of the employees.
11. PROMPT CORRECTIVE ACTION

Reserve Bank of India vide their letter dated June 13, 2017, has put the Bank under Prompt Corrective Action (PCA)
in view of high net NPA and negative Return on Assets. Bank believes that corrective measures arising out of the PCA
will help in improving overall performance of the Bank.
12. BUSINESS RESPONSIBILITY REPORT

Business Responsibility Report as stipulated under Regulation 34 of the Securities and Exchange Board of India
(Listing Obligations and Disclosure Requirements) Regulations, 2015 has been hosted on the website of the Bank
(www.centralbankofindia.co.in). Any member interested in obtaining a physical copy of the same may write to the
Company Secretary at the Head Office of the Bank.
209
13. DIRECTORS’ RESPONSIBILTY STATEMENT

The Directors confirm that in the preparation of the annual accounts for the financial year ended March 31, 2019:
The applicable accounting standards have been followed along with proper explanation relating to material
departure, if any;
The accounting policies framed in accordance with the guidelines of the Reserve Bank of India were consistently
applied;
Reasonable and prudent judgement and estimates were made so as to give a true and fair view of the state of
affairs of the Bank at the end of the financial year and of the profit/ loss of the Bank for the financial year ended
March 31, 2019;
Proper and sufficient care was taken for the maintenance of adequate accounting records in accordance with the
provisions of the applicable laws governing banks in India;
The accounts have been prepared on a going concern basis;
Internal Financial Control are adequate and were operating effectively; and
Proper systems have been devised to ensure compliance with the provisions of all applicable laws and these
systems were adequate and operating effectively.
14. CORPORATE GOVERNANCE

The Board of the Bank is committed to adapt Corporate Governance practices in letter and spirit. The Bank has
adopted well documented system and practice on Corporate Governance.
15. ACKNOWLEDGEMENT
The Board of Directors places on record its gratitude to the Government of India, Reserve Bank of India and the
Securities and Exchange Board of India for their valuable guidance and support. The Board acknowledges with
gratitude the unstinted support and faith of its customers and shareholders. The Board wishes to place on record its
appreciation of the dedicated services and contribution made by members of staff.
For and on behalf of the Board of Directors
Sd/-
Place : Mumbai Tapan Ray
Date : May 22, 2019 Chairman
210
FORM NO. MR-3
SECRETARIAL AUDIT REPORT

FOR THE FINANCIAL YEAR ENDED 31st MARCH 2019.
[Pursuant to section 204(1) of the Companies Act, 2013 and rule No.9 of the Companies (Appointment and Remuneration
of Managerial Personnel) Rules, 2014 read alongwith SEBI circular No. IR/CFD/CMD1/27/2019 DATED 08.02.2019]
To,
The Members of Central Bank of India,
We have conducted the Secretarial Audit of the compliance of applicable statutory provisions and the adherence to good
corporate practices by Central Bank of India, (hereinafter called the Bank). Secretarial Audit was conducted in a manner
that provided us a reasonable basis for evaluating the corporate conducts/statutory compliances and expressing our
opinion thereon.
Based on our verification of the Central Bank of India books, papers, minute books, forms and returns filed and other
records maintained by the Bank and also the information provided by the Bank officials during the conduct of secretarial
audit, We hereby report that in our opinion, the Bank has, during the audit period covering the financial year ended on
31/03/2019 complied with the statutory provisions listed hereunder and also that the Bank has proper Board-processes and
compliance-mechanism in place to the extent, in the manner and subject to the reporting made hereinafter:
We have examined the books, papers, minute books, forms and returns filed and other records maintained by the Bank for
the financial year ended on 31/03/2019 according to the provisions of:
(i) The Companies Act, 2013 (the Act) and the rules made thereunder to the extent applicable to the Bank
(ii) The Securities Contracts (Regulation) Act, 1957 (‘SCRA’) and the rules made thereunder;
(iii) The Depositories Act, 1996 and the Regulations and Bye-laws framed thereunder;
(iv) Foreign Exchange Management Act, 1999 and the rules and regulations made thereunder to the extent of Foreign
Direct Investment, Overseas Direct Investment and External Commercial Borrowings; (Not Applicable to the Bank for
the period under review)
(v) The following Regulations and Guidelines prescribed under the Securities and Exchange Board of India Act, 1992
(‘SEBI Act’):-
(a) Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2018;
(b) Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018;
(c) Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011;
(d) Securities and Exchange Board of India (Buyback of Securities) Regulations, 2018; (Not Applicable during the
year under review as there were no Buybacks)
(e) Securities and Exchange Board of India (Share Based Employee Benefits) Regulations, 2014;
(f) Securities and Exchange Board of India (Issue and Listing of Debt Securities) Regulations, 2008;
(g) Securities and Exchange Board of India(Issue and Listing of Non - Convertible and Redeemable Preference
Shares) Regulations,2013; (Not Applicable to the Bank for the year under review)
(h) Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015;
(vi) The Following other Laws as applicable to the Bank:
(a) Banking Regulation Act 1949 along with Notifications and Circulars issued by the Reserve Bank of India (RBI) and
Government of India (GOI) from time to time
(b) Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 and its amendments thereof
(c) Nationalised Banks (Management & Miscellaneous Provisions) Scheme, 1970
(d) Central Bank of India (Shares and Meetings) Regulations, 1998
211
We have also examined compliance with the applicable clauses of the following:
(i) Secretarial Standards issued by The Institute of Company Secretaries of India.
(ii) The Listing Agreements entered into by the Bank with BSE Ltd (BSE) and the National Stock Exchange of India
Ltd. (NSE) During the period under review the Bank has complied with the provisions of the Act, Rules, Regulations,
Guidelines, Standards, etc. mentioned above
We further report that

The Board of Directors of the Bank is duly constituted with proper balance of Executive Directors, Non-Executive Directors
including Independent Directors and Women Directors. The changes in the composition of the Board of Directors that took
place during the period under review were carried out in compliance with the provisions of the Banking laws in consonance
with SEBI (LODR).
Adequate notice is given to all directors to schedule the Board Meetings, agenda and detailed notes on agenda were sent
at least seven days in advance, and a system exists for seeking and obtaining further information and clarifications on the
agenda items in the meeting for meaningful participation at the meeting.
Decisions at the Meetings of the Board of Directors of the Bank, including the resolutions approved through circulations,
were resolved unanimously. There were no dissenting views by any member of the Board of Directors during the period
under review.
We further report that there are adequate systems and processes in the Bank commensurate with the size and operations
of the Bank to monitor and ensure compliance with applicable laws, rules, regulations and guidelines.
We further report that during the audit period:
(i) A Special Resolution was passed at the Annual General Meeting of the Bank held on 30th June 2018 for approving
Raising of Capital of the Bank by way of Issuance of fresh Equity shares and / or by issuance of Additional Tier – I or
Tier II capital as per Basel III Guidelines.
Accordingly, the Capital Raising Committee of the Board of the Bank has on 29th March 2019 allotted 5000 bonds of
Rs. 10 lacs each aggregating to Rs. 500 crores To Life Insurance Corporation of India, on Private Placement basis,
through the closed bidding process on NSE / BSE Electronic Bidding Platform, in compliance with SEBI (Issue and
Listing of Debt Securities) Regulations, 2008
(ii) Special Resolution was passed at the Extra Ordinary General Meeting of the Bank held on 13th November 2018 to
a. Create, issue and allot 35,43,57,970 Equity shares of Face value Rs. 10 each for cash at a premium of Rs. 56.43
per equity share i.e. the issue price of Rs. 66.43 aggregating upto Rs. 2354 crores to Government of India, on
preferential basis.
Accordingly, the Capital Raising Committee of the Board of the Bank has allotted the said shares in its meeting
held on 13th November 2018 in compliance with SEBI ICDR Regulations 2018
(iii) Special Resolutions were passed at the Extra Ordinary General Meeting of the Bank on 28th February 2019 to
preferential basis.
held on 28th February, 2019 in compliance with the SEBI ICDR Regulations 2018.
b. Create, grant, offer, issue and allot upto 10 Crore new equity shares of face value of Rs. 10/- each under the
Central Bank of India Employee Stock Purchase Scheme, 2019 (Central Bank of India - ESPS, 2019) in one or
more tranches, at such price and on such terms and conditions as may be decided by the Board / Committee in
its absolute discretion.
The Shares shall be allotted in current Financial Year.
212
(iv) Special Resolution was passed at the Extra Ordinary General Meeting of the Bank held on 28th March 2019 to
preferential basis.
held on 28th March, 2019 in compliance with SEBI ICDR Regulations 2018
(v) Reserve Bank of India (RBI) in exercise of powers conferred under Section 47(A)(1)(c) read with the Section 46(4)
(i) of the Banking Regulation Act, 1949 has imposed an aggregate penalty of Rs.10 million on the Bank for some
reconciliation lapses. The said incident has been intimated to Stock Exchanges.
(vi) Bank has redeemed following debt instruments in terms of Information Memorandum and approval granted by Reserve
Bank of India :
Date of Redemption Nature of instrument Amount of redemption Purpose

(in Rs )
10.04.2018 Lower Tier II Series XIII 274,08,06,988 Redemption on Maturity
14.11.2018 Upper Tier II Series I 334,35,00,000 Redemption on exercise of call option
17.02.2019 Upper Tier II Series II 311,86,35,486 Redemption on exercise of call option
For R.S. Padia & Associates
Company Secretaries
Sd/-
Rajshree Padia
FCS: 6804; CP: 7488
Date :13/05/2019
Place: Mumbai
213
Annexure-I to the Secretarial Audit Report

FOR THE FINANCIAL YEAR ENDED 31ST MARCH 2019
To,
Our Secretarial Audit Report of even date is to be read along with this letter.
1. The Compliances of provisions of all laws, rules, regulations, standards applicable to Central Bank of India (The Bank)
is the responsibility of the Management of the Bank. Our Examination was limited to the verification of records and
procedures on test check basis for the purpose of the issue of the Secretarial Audit report.
2. Maintenance of the secretarial and other records of the applicable laws is the responsibility of the management of the
Bank. Our responsibility is to issue Secretarial Audit Report, based on the audit of the relevant records maintained and
furnished to us by the Bank, along with the explanations where so required.
3. We have followed the audit practices and process as were appropriate to obtain reasonable assurance about the
correctness of the contents of the Secretarial Records. The verification was done on test basis to ensure that correct
facts are reflected in Secretarial Records. The verification was done on test check basis to ensure that correct facts
as reflected in secretarial and other records produced to us. We believe that the process and practices we followed,
provides reasonable basis for our opinion for the purpose of issue of the Secretarial Audit Report.
4. We have not verified the correctness and appropriateness of Financial Records and Books of Accounts of the
Company.
5. Wherever required, We have obtained the Management representation about the Compliance of laws, rules and
regulations and happening of events during the Audit period.
6. The Secretarial Audit Report is neither an assurance as to the future viability of the Bank nor of the efficacy or
effectiveness with which the management has conducted the affairs of the Bank.
Company Secretaries
Sd/-
Rajshree Padia
FCS: 6804; CP: 7488
Date :13/05/2019
Place: Mumbai
214
Secretarial Compliance Report of Central Bank of India

FOR THE YEAR ENDED 31ST MARCH 2019
[Pursuant to SEBI circular No. IR/CFD/CMD1/27/2019 Dated 08.02.2019]
To,
1. We have examined:
(a) All the documents and records made available to us and explanation provided by Central Bank of India (“the listed
entity”), arising from the compliances of Specific Regulations listed under para 2 infra
(b) the filings/ submissions made by the listed entity to the stock exchanges in connection with the above
(c) website of the listed entity,
(d) any other document/ filing, as may be relevant, which has been relied upon to make this certification,
for the year ended 31st March 2019 (“Review Period”) in respect of compliance with the provisions of :
(a) the Securities and Exchange Board of India Act, 1992 (“SEBI Act”) and the Regulations, circulars, guidelines
issued thereunder; and
(b) the Securities Contracts (Regulation) Act, 1956 (“SCRA”), rules made thereunder and the Regulations, circulars,
guidelines issued thereunder by the Securities and Exchange Board of India (“SEBI”);
2. The specific Regulations, whose provisions and the circulars/ guidelines issued thereunder, have been examined,
include:-
(a) Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015;
(b) Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018;
(c) Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011;
(d) Securities and Exchange Board of India (Buyback of Securities) Regulations, 2018;
(e) Securities and Exchange Board of India (Share Based Employee Benefits) Regulations, 2014;
(f) Securities and Exchange Board of India (Issue and Listing of Debt Securities) Regulations, 2008;
(g) Securities and Exchange Board of India(Issue and Listing of Non - Convertible and Redeemable Preference
Shares) Regulations,2013;
(h) Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015;
and based on the above examination, We hereby report that, during the Review Period:
(a) The listed entity has complied with the provisions of the above Regulations and circulars/ guidelines issued
thereunder, However, in absence of any transaction relating to Buyback of Securities and issue on Non
Convertible and Redeemable Preference Shares during the period under review, the compliance of relevant
provisions mentioned herein does not arise.
(b) The listed entity has maintained proper records under the provisions of the above Regulations and circulars/
guidelines issued thereunder insofar as it appears from our examination of those records.
(c) No action was required to be taken against the listed entity/ its promoters/ directors/ material subsidiaries either by
SEBI or by Stock Exchanges (including under the Standard Operating Procedures issued by SEBI through various
circulars) under the aforesaid Acts/ Regulations and circulars/ guidelines issued thereunder;
(d) This being the first reporting since the notification of the requirement to submit this report, reporting on actions
taken to comply with observations made in the previous reports does not arise.
Company Secretaries
Sd/-
Rajshree Padia
FCS: 6804; CP: 7488
Date :13/05/2019
Place: Mumbai
215
MANAGEMENT DISCUSSION AND ANALYSIS

PART A: ECONOMIC SCENARIO
The economic growth in India might have moderated a little in 2018-19 but the country still retains the position of “one
of the fastest growing large economies” in the world. As per the second advance estimate of Central Statistics Office,
(released in February 2019) the GDP growth of 2018-19 came in at 7% compared to 7.2% growth in 2017-18. On the
other hand, the global output has dwindled due to various factors like Brexit uncertainties, rise in trade tariffs, Chinese
rebalancing, sluggish growth in Eurozone, volatility in crude prices, etc. As per the IMF’s April 2019 projections, the
economic growth of the advance economies is forecast to moderate to 1.8% in 2019 from 2.2% in 2018 and projected to
soften further to 1.7% in 2020.
The US economy having grown by an impressive 2.9% in 2018 is projected to moderate to 2.3% in 2019 and 1.9% in
2020 (IMF, April 2019). The government shutdown had its impact on growth. The US Fed had increased the interest rate
a few times in 2018; however the growth moderation is expected to see a relatively dovish monetary policy stance. The
US GDP in March 2019 grew by 3.1% as per the second estimate of the Bureau of Economic Analysis from 2.2% growth
in real GDP in December 2018 quarter. The inflation in the US had remained below 2% level since December 2018 till
March 2019. The unemployment rate came below 4% in March 2019 indicating continuous improvement in the labour
market conditions. The industrial production grew by 2.8% in March 2019. The personal consumption expenditure exhibited
moderate growth and exports increased at a sluggish rate in the last few months due to trade tensions.
Growth in the Eurozone is projected at 1.3% in 2019 (IMF, April 2019) from 1.8% in 2018. Growth in Germany moderated
to 1.5% in 2018 from 2.5% in 2017 due to factors like sluggish industrial growth and softening in private consumption.
Growth in other major Eurozone economies viz. France, Spain and Italy are also expected to moderate in 2019.
After growing by a healthy rate of 1.9% in 2017; the Japanese economy slowed down to grow by 0.8% in 2018 and is
projected to grow by 1% in 2019 (IMF, April 2019) primarily due to fiscal stimulus.
Among the emerging economies, the Chinese economy grew by 6.4% in March 2019 unchanged from December 2018.
Economic activities in China remained muted as indicated by the manufacturing PMI which contracted for three consecutive
months from December 2018 to February 2019 and marginally increased in March 2019. The GDP is forecast to grow by
6.3% in 2019 (IMF, April 2019) from 6.6% in 2018.
As per the 2nd advance estimate; India’s industrial value added grew by 7.7% in 2018-19 from 5.9% in 2017-18. The
growth rate eased in agriculture sector to 2.7% in 2018-19 (2nd advance estimate) from 5% in 2017-18. The service sector
had registered a growth of 7.4% in 2018-19 (2nd advance estimate) from 8.1% in 2017-18.
The overall growth in core industry came in at 4.3% in 2018-19 unchanged from 2017-18. On the other hand, growth rate
of index of industrial production stood at 4% during April-February 2018-19 vis-à-vis 4.3% during April-February 2017-18.
The retail inflation measured by consumer price index increased to 5-months high of 2.86% in March 2019. For the full
year of 2018-19, the inflation increased by 3.4% as compared to 3.6% in 2017-18.
The interim Union Budget 2019-20 presented in February 2019 pegged the total expenditure for 2019-20 at Rs.27,84,200
crore vis-à-vis Rs.24,57,235 crore (RE) in 2018-19. The fiscal deficit as percentage of GDP is kept at 3.4% for 2019-20
same as in 2018-19 (RE).
Banking industry
The banking industry has shown improvement in the asset quality with gross NPA ratio of the scheduled commercial banks
declined from March 2018 to September 2018 as per RBI’s Financial Stability Report (December 2018). The credit growth
of scheduled commercial banks also improved from March 2018 levels. The government has taken various initiatives to
support the banking industry. The recapitalization bonds issued by the government will boost the banking industry.
Part- B- PERFORMANCE OF THE BANK

BUSINESS
As on March 31, 2019, the Total Business of the Bank was Rs.4,67,584 crore compared to Rs.4,72,323 crore as on March
31, 2018. High Cost Deposits have been reduced to Rs.57 crore as on March 31, 2019 from Rs.850 crore as on March 31,
2018.
Operating Profit of the Bank stood at Rs.3,127 crore for the financial year ended March 31, 2019 as compared to Rs.2,733
crore for financial year ended March 31, 2018. The Bank posted a Net loss of Rs.5641 crore in financial year ended March
31, 2019 as against Net loss of Rs.5,105 crore in financial year ended March 31, 2018, on account of increased provisions.
216
RESOURCE MOBILISATION
The Total Deposits as on March 31, 2019 stood at Rs.2,99,855 crore, after reduction of High Cost Deposits to the extent
of Rs.793 crore. Saving Bank Deposits increased to Rs.1,22,139 crore with a growth of 10.52% in financial year ended
March 31, 2019 from Rs.1,10,509 crore in financial year ended March 31, 2018. Similarly, Current Deposits increased to
Rs.16,416 crore in financial year ended March 31, 2019 from Rs.14,687 crore in financial year ended March 31, 2018,
registering a growth of 11.77%. The share of CASA Deposits to Total Deposits increased to 46.21% as of March 31, 2019
as against 42.46% as of March 31, 2018. Core Term Deposits reduced by 4.77% and reached to the level of Rs.1,61,243
crore as of March 31, 2018-19 from Rs.1,69,343 crore as of March 31, 2018.
STRATEGY AND PROGRESS OF IND AS IMPLEMENTATION IN THE BANK

As per the original Roadmap announced by the Ministry of Corporate Affairs, all Banks (except RRBs) are required to
prepare their Financial Statements according to Ind AS for accounting period beginning from April 1, 2018 onwards with
comparatives for the period ending March 31, 2018 or thereafter. The Bank had engaged services of an Ind AS Consultant
and constituted a Core Ind AS Team and commenced the process of Ind AS implementation. Steering Committee headed
by an Executive Director was formed to monitor the progress of implementation. The Board of Directors and Audit
Committee of the Board periodically has been reviewing the progress of the same.
On April 5, 2018, the RBI in their Statement on Development and Regulatory Policies stated that necessary legislative
amendments to make the format of financial statements, prescribed in the Third Schedule to Banking Regulation Act, 1949,
are under consideration of the Government. In view of this and also level of preparedness of many Banks, implementation
of Ind AS in Banks has been deferred by RBI for one year by when the necessary legislative changes were expected. In
view of this, Ind AS were to be implemented from April 1, 2019. However, RBI vide notification dated 22.03.2019, stated
that the legislative amendments recommended by the RBI are under consideration of the Government of India. Accordingly,
it has been decided by RBI to defer the implementation of Ind AS till further notice. As instructed by RBI, the Bank is
regularly submitting quarterly Proforma Ind AS Financials to RBI from June 2018.
CREDIT
Gross Advances decreased to Rs.1,67,729 crore as on March 31, 2019 from Rs.1,77,484 crore as on March 31, 2018 with
a negative growth of 5.50% on y-o-y basis.
CREDIT MONITORING DEPARTMENT

A well-defined Monitoring Policy, containing detailed guidelines on SMA (Special Mention Accounts) Management
which encompasses all areas of SMA management, Early Warning Signals, Monitoring & Follow-up, Mitigating
Measures and Reporting System is in place
Modifications to the policy are being carried out from time to time and reviewed annually with the approval of the
Board.
As per Monitoring Policy guidelines, Credit Monitoring Committee (CMC) has been formed at various levels viz CO/ZO/
RO/CFB to review entire aspects of Credit Monitoring, monthly, based on Structured Agenda Items. A dedicated portal
has been devised to report and deliberate the position on all agenda items in the CMC meeting.
Workshops and training sessions have been conducted for nodal officers at RO/ZO with a view to update / refresh
matters relating to credit monitoring.
The Bank has also implemented Centralized Loan Appraisal System & Supervision (CLASS) Monitoring Module
software for monitoring Corporate, SME, Retail and Priority Sector advances on real-time basis.
Bank is in the process of engaging external agencies for end to end process of loan proposals including identification
of Early Warning Signals in the borrowal account as envisaged in EASE II guidelines. This will further improve
monitoring of the loan accounts.
In order to broaden the ambit of Credit Audit to more accounts, the cut off limit of Credit Audit has been reduced from
Rs 1 crore to Rs 50 lacs and the cut off limit of Pre-release audit has been reduced from Rs 5 crore to Rs 1 Crore.
Two new Credit Information Companies, M/s Experian and M/s CRIF Highmark have been on-boarded to extract Credit
Information Reports(CIR), to reduce the cost.
Credit Monitoring Department is being further strengthened. All policy related to credit are to be formulated by the
department and to conduct various credit committees at corporate office and various Management Information System
(MIS) have also been assigned to the department.
217
As per Govt. ‘EASE’ guidelines, a separate ‘Stressed Asset Management Vertical’ (SAMV) has been established and
all SMA 1 & SMA 2 and NPA accounts of Rs 25 crore and above are handled by this Vertical for resolution/ recovery.
For clean and effective post sanction follow-up in large credit exposures and exposures of a specialised nature, Bank
is in the process of availing the services of Agencies for Specialised Monitoring (ASM) on common engagement basis,
as per the action points under EASE.
PRIORITY SECTOR CREDIT

As per RBI directives, 40% of Adjusted Net Bank Credit or Credit equivalent amount of off-balance sheet exposure,
whichever is higher, is to be lent to priority sector. Lending under this sector is therefore, the thrust area of the Bank. We
have focused on the growth in lending to Agriculture, MSME, Affordable Housing, Education and others which are the
major constituents of Priority Sector.
The performance of the Bank under various segments of priority sector as on 31.03.2019 (audited) is as under:-
(` In crore)
S No. Particulars March 2018 March 2019 Growth (%)

1 Priority Sector Advance 82835 83201 0.44
(Percentage achievement of ANBC) 49.74% 47.22%
2 Total Agriculture Advance 34192 35655 4.28
(Percentage achievement of ANBC) 20.53% 20.24%
3 MSME 32346 31036 -4.05
4 Education Loan 2773 2522 -9.05
5 Housing Loan (up to Rs.25.00 lacs) 13392 13956 4.21
6 Other Priority Sector 107 20 -81.31
7 Renewal Energy 6 0 -100.00
8 Social Infrastructure 9 8 -11.11
9 Export Credit 8 5 -37.50
The credit deployment under priority sector increased to Rs.83,201 crore during 2018-19, recording a growth of Rs.366
crore over previous year. However, to take an advantage of excessive lending over ANBC in Priority Sector credit,
Bank undertook sale/purchase transactions in PSLCs. During the year Bank sold PSLCs worth Rs.27,436 crore under
PS Advances and purchased PSLCs worth Rs.5,885 crore under MSME portfolio. Thus, net Sale as at the close of
FY was Rs.21,551 crore. There is outstanding of RIDF to the tune of Rs.4,907.27 crore under Priority Sector of which
Rs.3,075.97 crore under Agriculture as on 31.03.2019.
Priority sector
(Amt. in Rupee crore)
90000 – 82771 82835 83201

75997 78289
80000 –
68652
70000 –
60000 – 51259
50000 –
40259
40000 –
30000 –
20000 –
10000 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
218
AGRICULTURE
During the year under review, total Agricultural credit increased by Rs.1,463 crore from the level of Rs.34,192 crore as on
March 31, 2018 to Rs.35,655 crore as on March 31, 2019. The net percent of agricultural credit to adjusted net bank credit
(ANBC) is 20.24% against the stipulated target of 18% achieved.
Agriculture (Amt. in Rupee crore)

40000 – 36760 37537
35387 35957 34192 35655
35000 –
30000 –
24658
25000 –
18848
20000 –
15000 –
10000 –
5000 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
INITIATIVES TAKEN TO ACCELERATE FLOW OF CREDIT TO AGRICULTURAL SECTOR:

Special Credit Campaigns:
All Rural and Semi-urban branches have organised minimum one Mega Credit Camp in each month to canvass and
sanction new agricultural loans.
All Rural and Semi-urban branches have organized special Credit Camps for SHGs bank linkage
Bank ensured 100% Crop Insurance coverage to eligible Loanee farmers under Pradhan Mantri Fasal Bima Yojana
(PMFBY) and canvassed non-loanee farmers for coverage of crop insurance.
During the financial year Bank have given thrust on investment credit under Agriculture.
Bank has focused on extending credit to small & marginal farmers.
FINANCIAL INCLUSION (FI)

Bank has covered 4,330 villages with population above 2,000 and 18,376 villages with population below 2,000. Bank
has covered all these villages through 6,387 BC Agents.
1. We have opened 177 Urban Financial Inclusion centers.
2. No. Of Transactions:
NO. OF TRANSACTION IN LAKH
500 – 437.00
400 –
318.00
300 –
194.94
200 – 135.04
100 – 52.46
22.42 31.95
6.38
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
219
3. Transactions in FI Accounts opened through BCs have increased from 318.00 lakh in FY 2017-18 to 437.00 lakh
in FY 2018-19, registering y-o-y growth of 37.42%.
4. Business through BC
Business through BC (` in crore)
1573.47
1600 –
1400 –
1200 –
1003.94
1000 –
800 –
579.86
600 –
400 – 283.65
200 – 132.11
24.67 74.99
5.65
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
Business through BCs increased from Rs.1,003.94 crore as on 31 March, 2018 to Rs.1,573.47 crore on 31 March,
2019 registering y-o-y growth of 56.73%.
5. Account Opening through BCs:
Accounts Open through BC (in Lakh)

117.00
120 –
99.89
100 –
84.88
80 – 71.19
62.74
60 – 51.11
37.32
40 – 30.92
20 –
0–
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19
Number of accounts opened through BCs increased from 99.89 lakh as on 31 March, 2018 to 117.00 lakh as on
31 March, 2019, registering y-o-y growth of 17.13 %.
6. Bank has opened 202.00 lakh Basic Saving Bank Deposit Account (BSBDA) accounts through its BCs and
Branches as on 31.03.2019. Total balance in these accounts is Rs.3,307.16 crore.
Major Achievements under FI-PMJDY during F.Y.2018-19

Business through BC Outlets increased by 56.73%, from Rs.1,003.94 crore to Rs.1,573.47 crore.
FI Business increased by 28.84%, from Rs.2,566.90 crore to Rs.3,307.16 crore.
Number of PMJDY accounts increased to 1.33 crore as on March 31, 2019 from 1.12 crore in March 31, 2018.
Total deposits under PMJDY increased to Rs.3,048 crore as on March 31, 2019 from Rs.2,264 crore in March 31,
2018.
220
No. of Transactions through BC-Outlets increased by 37.42% i.e. from 318.00 lakh to 437.00 lakh.
No. of BSBD Accounts increased by 9.67 %; from 184.19 lakh to 202.00 lakh.
No. of BCs with business more than Rs.10 lakh increased by 16.23 % i.e. from 2,317 to 2,693. Similarly, number of
BCs with business more than Rs.1.00 crore increased by 121.65% i.e. from 97 to 215.
Total enrollment under Social Security Schemes as on 31.03.2019 is-
PMJJBY-13,66,176, PMSBY—39,65,922 and APY—6,08,031.
Out of 6090 death claims under PMJJBY, 5,903 claims were settled and out of 1806 death claims under PMSBY, 1699
claims were settled.
Performance under Lead Bank

We have the Lead Bank responsibility in 51 districts spread over in seven States viz. Madhya Pradesh(18), Bihar(10),
Maharashtra(7), Uttar Pradesh(5), West Bengal(4), Rajasthan(3) and Chhattisgarh(4). More than 50% and about 25%
of our total branches are located in these States and the Lead Districts respectively.
For effective implementation of Lead Bank Scheme, the office of Lead District Managers has been sufficiently
equipped and empowered with right kind of staffing supplement and infrastructure like separate/good premises,
vehicles, computers/laptops (with skype installed) & printers, telephones, internet connections, e-mail id, mobile, fax,
etc.
To improve the public awareness about various products of bank, we have displayed some products relating to Kisan
Credit Card, Central Artisan Credit Card, Swabhiman/Aadhar etc. relevant to the rural masses on the vehicles provided
to LDMs.
We have selected one village in each Lead District for inclusive growth through empowerment, skill development of
youth and credit linkages. All developmental activities like complete implementation of Financial Literacy/Financial
Inclusion Programmes, training unemployed rural youth in RSETIs, formation of SHG/Farmers Club/JLG, lending
activities have been implemented to bring complete socio-economic change. This is being replicated in other selected
villages also in lead districts.
State Level Bankers Committee:

Our Bank is the Convenor of (State Level Bankers’ Committee) SLBC in the State of Madhya Pradesh. During the
year 2018-19, only two regular SLBC meetings were held to review and monitor the progress made in the State under
various parameters including Government sponsored programmes by different agencies. Due to application of model
code of conduct for Assembly and Lok Sabha Elections, the remaining two mandated meetings in the State could not
be held in second half of the FY 2018-19.
Due to our constant follow ups with the Banks, the state could achieve 100% targets of “Gram Swaraj Abhiyan” of the
Government of India under PMJDY, PMSBY & PMJJBY organized from 14th April 2018 to 5th May 2018.
Due to our constant follow ups, target under various government sponsored schemes viz. Chief Minister Self
Employment Generation Schemes, Mudra, PMEGP, NRLM have been achieved by banks to the level of more than
100%.
SLBC has been continuously monitoring the performance of banks under Annual Credit Plan. This resulted in
achievement of 94% of target of State Credit Plan during FY 2018-19.
The CD Ratio of the State substantially improved from 74.69% as on March 31, 2018 to 80.90% as on March 31, 2019
after including credit of Rs.10,718 crore as per “place of utilisation Norm” of RBI.
The Ministry of Social Justice and Disability Welfare, Govt. of M.P. has been providing social security pension to
around 38 lakh old age destitute people of the state @ Rs.600 per month through DBT. With the aim to provide easy
access of banking facility, ‘Pension Apke Dwar’ scheme has been implemented in the State. Under this scheme,
pension is paid on 7th day of every month through Banking Correspondents/Bank Branch so that beneficiaries do
not have to move more than 5 km from their respective village. SLBC has been constantly monitoring progress of the
banks in this respect.
Our vision for the State is “An all-round and all-inclusive development of the State” through which the life of citizens
can become prosperous and they should have opportunities for putting in their best efforts according to their potential
and contributing to the nation’s development.
221
We are the pioneer to hold Review Conference/Workshop of all Lead District Managers of the State to discuss various
strategies to achieve the target of ACP, action plan relating to implementation of Financial Inclusion and integrating
their roles & responsibilities in achieving the objectives.
During the Financial Year 2018-19, the MSME Department, Govt. of Madhya Pradesh has launched a new Scheme
named “Mukhya Mantri Krishak Udyami Yojana” for financing Son/daughter of Agriculturists by banks for setting
up units in industry (manufacturing)/service/ trade sectors. The financial assistance will be available for projects of
maximum Rs.2 crore. The Scheme envisages benefits in the form of Margin Money, Interest Subsidy, Guarantee Fee,
Entrepreneur Development Training etc.
Financial Literacy and Credit Counseling Centre (FLCC)

We have opened 48 FLCCs in 7 States viz. Madhya Pradesh(18), Bihar(10), Maharashtra(7), Uttar Pradesh(5), West
Bengal(3), Rajasthan(3) and Chhattisgarh (2).
All these centres have conducted 41480 outdoor visits to the villages extending literacy/counselling to 435250 persons.
Both mass campaigning and individual counselling are being done.
Bank has provided them vehicles fitted with Public Address System and LCDs for displaying various products/schemes
being launched by banks for bringing awareness among the masses and opportunities to them for availing benefits
to uplift their economic status and standard of living. Besides, we provide literacy materials, kits, books etc. while
extending counselling as also visiting villages.
Rural Self Employment Training Institutes (RSETIs)

Bank has established 46 RSETIs in 9 States of the country viz. Madhya Pradesh(18), Bihar(9), Maharashtra(6), Uttar
Pradesh(5), West Bengal(3), Chhattisgarh(2), Rajasthan(1), Orissa(1) and Assam(1).
During the year 2018-19, the RSETIs conducted 1,098 training programmes and imparted training to 31,274
candidates. Out of this, 23,142 (i.e.74%) trainees were settled through bank credit, wage settlement and self-finance.
Credit linkage of settled candidates achieved 13,227 i.e. 43% of total trained candidates.
Other Initiatives
Our bank has established one Society/Trust in the name of “Central Bank of India Samajik Utthan Avam Prashikshan
Sansthan (CBI-SUAPS)” to control & supervise the operations and functioning of RSETIs and FLCCs.
We have formed Governing Council at Apex Level with Managing Director and Chief Executive Officer as Patron,
Executive Director as President and General Managers as members for overall control and supervision of the affairs &
functions of RSETIs and FLCCs.
We have started engaging retired senior bank officials with requisite competency to act as Director, RSETI and
Counsellor, FLCC with adequate manpower support.
Local Advisory Committee and Training Committee have been formed at District level with the representatives from all
local development bodies.
We have developed a model plan common to all 46 RSETI for constructions of building, 33 RSETI Building
constructions have been completed out of 46 RSETI Buildings and rest are in progress.
MSME DEPARTMENT
Performance under MICRO Enterprises:
Bank achieved growth of 20.24% in number of accounts under Micro Enterprises.
Percentage of Micro credit to MSE is 37.96% without Priority Sector Lending Certificate (PSLC) & 48.65% with PSLC.
During the Financial Year 2018-19, settlement of claims under CGTMSE is Rs.35.62 crore in 483 accounts. Claims
approved as percentage of claims lodged in terms of accounts is 46.79%. Claims approved as percentage of claims
lodged in terms of amount is 32.12%.
Under PMMY Bank’s achievement is 58.28% of target given by DFS, M.O.F, Govt. of India. As against target of
Rs.3,550 crore, the Bank achieved Rs.2,069 crore under fresh disbursements as of March 31, 2019.
222
Initiatives :
Updated Master Circular on classification of MSME advances was made available for the field functionaries in the
bank’s intranet site for ready reference.
Bank has on boarded on psbloansin59minutes portal. During the FY 2019, 2,200 accounts with total amount of Rs.485
crore were sanctioned under psbloansin59minutes.
Way Forward:
Thrust is on Micro Enterprises for achieving target set by Reserve Bank of India and Prime Minister’s Task Force (PMTF).
To achieve this target, our thrust is on extending finance under MUDRA Scheme, Stand Up India Scheme, loans under
KVIC/ PMEGP Scheme and Cent Weaver Mudra Scheme.
RETAIL CREDIT
Total outstanding under Retail Lending Schemes was Rs.48,666 crore as on 31.03.2019. The Retail portfolio of the Bank is
29.01 % of its total advances. Retail grew by 1.13% over previous year.
31-03-2015 31-03-2016 31.03.2017 31.03.2018 31.03.2019

RETAIL CREDIT 34939 38505 32008 48123 48666
TOTAL CREDIT 194967 190152 153008 177484 167729
RETAIL TO TOTAL CREDIT (%) 17.92% 20.25% 20.92% 27.11% 29.01%
Retail to Total Advance (Rs in Crore)

194967 190152
200000 – 177484
167729
153008
150000 –
100000 –
48123 48666
34939 38505 32008
50000 –
0–
31.03.2015 31.03.2016 31.03.2017 31.03.2018 31.03.2019
RETAIL CREDIT TOTAL CREDIT
PRODUCTS and SERVICES:

1. The Bank has a number of schematic products on offer to general public catering to the distinctive requirements of the
potential customers with clear differentiation. Bank offer all these schemes for general public catering to the distinctive
requirements of the potential customers with clear differentiation. These products are directed towards different groups
and for specified niche segments.
2. In order to enhance the asset quality of Retail products, certain changes were made in the schemes like Housing,
Vehicle, Mortgage, Trade and Personal loan during the FY 2018-19.
3. For Risk mitigation the Bank revisited Retail loan products and made necessary changes during the FY 2018-2019.
- Discontinuation of Cent Mortgage (OD) Scheme -Due to spurt increase in NPA however in respect of the existing
OD accounts review/renewal/enhancement will continue based on Merit.
- Education loan Upto Rs.7.50 lakh to be compulsorily opened under NCGTC scheme.
4. Centralised Credit Processing Centres (CCPCs) achieved performance Index of 40.05 % during the FY 2018-19. Total
12476 accounts were sanctioned amounting to Rs.3,342.67 crore. Total 9,079 Housing loan accounts were sanctioned
amounting to Rs.2,373.15 crore. More than 58% of all Housing Loans and more than 40% of Mortgage / Cent Trade /
Education Loans were processed at CCPCs. All Retail products are processed through CLASS Module only.
223
5. New Retail Loans sanctioned during the year were 1.54 lakh accounts amounting to Rs.9689 crore. In FY 2018-19,
average number of accounts opened per month by Retail branches is 2.78 with average Ticket Size of Rs.6.28 lakh.
6. Way Forward-
We are targeting 13.04% growth in our Retail asset portfolio for FY 2019-2020. Retail credit to total advance is
targeted at around 30% by the end of FY 2019-20. To give boost to Retail credit, the Bank has planned scheme
specific strategies with focus on Mortgaged based loans with low Risk Weight, i.e. Housing Loans with LTV ratio <
80 % especially under PMAY segment, Gold Loan, and personal loan to salary & pension account holder. The Bank
envisages Housing Loans to constitute more than 50% of the Retail Portfolio.
For Growth of Retail Banking, the Bank has framed many strategies which include-
Product Portfolio Rationalized: We have rationalized our retail product portfolio by reducing total retail loan
products to 12 from extant 33 products. The products having overlapping features were consolidated. The
products having low volume, low demand and obsolete were closed. The product rationalization was geared
to bring them in line with current market demands, with a view to increase customer responsiveness, better
standardization and enhance product knowledge of field functionaries.
Change in focus from Asset Coverage to Cash Flow particularly in Cent Trade, Cent Mortgage schemes etc.
Revamping of CCPC: end to end ownership from inspection to documentations & disbursal at CCPC.
Marketing Vertical at ROs to Support Loan Origination.
Revamping of CLASS: New platform with mobility & added features of digital verification of KYC, credit score,
GSTN, ITR, online tracking of customer’s loan applications etc.
Reduction in Turn Around Time.
Reduction in customer complaints.
INTERNATIONAL DIVISION
Foreign Exchange Business of the Bank is carried out through 71 Authorized Dealer (‘B” category) Branches spread
across the country. For operational efficiency, Bank has a centralized Dealing Room at Mumbai for attainment of better
funds management and operational efficiency.
As on 31.03.2019, the Export Credit portfolio of the Bank reduced to Rs.5,314 crore from Rs.5,694 crore as on
31.03.2018.
Merchant trade foreign exchange turnover was Rs.42,995 crore in FY 2018-19 as against Rs.42,332 crore in FY 2017-
18.
NRE Deposits increased from Rs.4,764 crore as on 31.03.2018 to Rs.4,941 crore as on 31.3.2019; an increase of
3.72% over the previous year.
FCNR Deposits increased from USD 220.83 million as on 31.3.2018 to USD 226.73 million as on 31.03.2019; an
increase of 2.67% over the previous year.
TREASURY, FUNDS AND INVESTMENT

The investment portfolio of the Bank has increased to Rs.1,29,219 crore (including Non-SLR, Non-Transferable Govt of
India Recapitalisation Bond Rs.11,427 crore) as on 31st March, 2019 as against Rs.1,05,295 crore as on 31st March,
2018 thereby recording an increase of 22.72% over the previous year. The ten year benchmark yield closed at 7.35%
as on 31st March 2019 vis-à-vis 7.40% as on 31.03.2018
During the year RBI increased the Repo rates by 0.25 % twice in June and August 2018 and reduced by 0.25% in
February 2019 effectively bringing the rate to 6.25% and also narrowed the policy rate corridor from 0.50% to 0.25%.
Thus the Bank rate stood raised to 6.50%.
The Repo borrowing limit remained unchanged at 0.25% of NDTL and term repo to 0.75 % of NDTL, along with
discretionary variable term repo and reverse repo over and above the 1% NDTL, aiming to keep the rates closer to
repo rate. Banks are required to bid in the auction to borrow in term LAF.
224
In the volatile market and critical liquidity management situations, treasury recorded trading profit of Rs.215 crore as
compared to previous year trading profit of Rs.576 crore. The yield on investment (excluding trading profit) increased
from 7.07% during 2017-18 to 7.15% during 2018-19.
In compliance with the Reserve Bank of India guidelines on shifting of securities, the Bank has transferred Central and
State Govt. securities amounting to Rs.11950 crore from AFS to HTM and Rs.14541 crore from HTM to AFS during
2018-19.
The composition of investment portfolio of the Bank as on 31st March 2019 is as under:
(` in crore)
Sr. No. Composition 31.03.2019 31.03.2018

1. SLR 96206.03 81613.25
2. Non-SLR 33013.28 23681.44
TOTAL 129219.31 105294.69
RISK MANAGEMENT
Risk Management System/Organizational Set Up
Risk Management systems are now well established in the Bank. Risk Management Committee of the Board of Directors
regularly oversees the Bank’s Risk Management policies/practices under Credit, Market and Operational risks & Pillar II
risks. The Committee reviews the policies and procedures for pricing of products and assessing the risk models relative
to market developments and also identifies and controls new risks. The committee also regularly monitors compliance of
various risk parameters by the concerned departments at the corporate level.
Risk Management Structure

At operational level, various Committees like Asset Liability Management Committee (ALCO) for Market Risk, Credit
Risk Management Committee (CRMC) for Credit Risk and Operational Risk Management Committee (ORCO) for
Operational Risk have been constituted comprising of members from the top management team.
These Committees meet at regular intervals throughout the year to assess and monitor the levels of risks under
various Bank operations and initiate appropriate mitigation measures wherever necessary.
The Bank has identified officers in the rank of Senior Managers/Managers to act as ‘Risk Managers’ at all the Zonal/
Regional Offices. The Risk Managers act as the ‘Extended Arms’ of the Risk Management Department of the Central
Office at the Zonal/Regional Level. The Bank has also identified officers at the senior levels in various functional
departments of Central Office to act as ‘Nodal Officers’ to look into various aspects of control & management of risk in
the Bank.
Market Risk Management

The Mid Office reviews the market position, funding patterns and ensures compliance in terms of exposure, duration,
counter party limits and various sensitive parameters and the reports are presented at regular intervals to the top
management.
The tools such as VaR and Duration analysis are used on an ongoing basis to measure and manage the risk to Bank’s
Profit in the short run and equity value in the long run.
A model to estimate Capital charge on trading portfolio on ongoing basis is developed and being implemented as per
the Basel III guidelines on the Market Risk.
The Bank has Board approved Market Risk Management Policy to monitor the market risk in the portfolio. Counter
party limits for Treasury operation have been fixed / reviewed as per the latest standing of the counterparties.
Credit Risk Management

Bank has a well-documented Integrated Risk Management Policy, which was last reviewed by the Board on
25/02/2019.
The Bank has procured the Rating Module from CRISIL Ltd.
The Bank has also developed Rating Models (score card) for grading retail loans, and same is in use.
225
The developments in credit risk management are being reported and monitored by the Credit Risk Management
Committee headed by the MD & CEO.
As preparedness for moving to advanced approaches, bank is in the process of developing models for calculating PD,
EAD & LGD for both Corporate & Retail portfolio.
Operational Risk Management

The Operational Risk Management in the Bank is guided by a well laid down Operational Risk Management Policy.
Operational Risk Management Committee (ORCO) reviews the risk profile of the Bank on quarterly intervals and the
oversight by the Board of Directors strengthens the qualitative aspects related to Operational Risk.
Bank is developing models and building up qualitative and quantitative information for applying to RBI towards
graduating to Advanced Measurement Approach. New Product Approval Policy Framework guides the Bank in
mitigating the risks associated with new products or activities.
The fraud risk management in the Bank is guided by Fraud Risk Management Policy. The Bank mitigates its fraud risk
through fraud sensitization programmes conducted at field level and training centers.
Bank is in the process of implementation of Enterprise Wide Fraud Detection, Monitoring and Prevention solution
(EFRMS) which will monitor suspicious pattern across transactions, events, users, accounts and systems in real time/
near real time.
Capital Planning
Bank has a robust ICAAP (Internal Capital Adequacy Assessment Process) in place. Bank has framed its risk appetite
framework and intends to maintain capital ratios over and above the minimum requirements as per Basel III norms. Review
of the capital vis a vis the estimates are undertaken on a quarterly basis.
Asset & Liability Management Systems

ALM mainly deals with measuring and managing the liquidity and Interest rate risk of the bank with an objective of
profit maximization. ALCO (Asset & Liability Committee) met 20 times during the year to review the position of the
bank with regard to liquidity and other related matters.
Besides regulatory reporting, ALM is also engaged in Interest determination on Deposits as well as Base rate and
MCLR fixation. During the year 2018-19, revision was made three (03) times in deposit interest rates, Base rate was
reviewed four (04) times and MCLR was reviewed Twelve (12) times.
In terms of new RBI guidelines Bank has started calculating LCR (Liquidity Coverage Ratio) effective from 1st
Jan’2015 on a monthly basis & the ratio is well above the threshold limit (i.e. 100% for 2019) fixed by RBI. The
average LCR for FY 2018-19 is 279.83 (Audted).
Implementation of Basel III Guidelines

Reserve Bank of India has issued updated master circular on implementation of the New Capital Adequacy Framework
in July 2015. As per the guidelines, the Bank has adopted Basel III norms and provided capital as per Standardized
Approach for Credit Risk, Basic Indicator Approach for Operational Risk and Standardized Duration method for Market
Risk.
Bank is in the process of implementation of IRMS (Integrated Risk Management Solution) for moving to Advanced
Approaches.
All necessary policies such as Credit Risk Management Policy, Operational Risk Management policy, Market Risk
Management Policy, Credit Risk Mitigation and Collateral Management Policy, Market Discipline and Disclosures
Policy, ICAAP etc are in place duly approved by the Board.
Bank is undertaking the necessary steps to graduate to IRB (Internal Rating Based) Approach.
STRATEGY TO IMPROVE CAPITAL ADEQUACY

As per Basel III regulations, the Bank is required to maintain minimum Common Equity Tier-1 (CET 1) ratio of 5.50% plus
Capital Conservation Buffer (CCB) of 2.50% in the form of equity capital, Tier 1 ratio of 9.50% and overall CRAR of 11.50%
by March 31, 2020. The Bank will be requiring capital to meet the prescribed capital adequacy ratio (CRAR) on ongoing
basis. Following steps are being taken by the Bank to improve Capital Adequacy norms:
226
I. The Bank has intends to raise equity capital upto Rs. 5,000/- crore (Rupees Five Thousand Crore Only) through
various modes such as Follow-on-Public Issue, Rights Issue, Private Placement including Qualified Institutions
Placements, etc. subject to approval of Government of India, Reserve Bank of India and other regulatory authorities
and in accordance with all applicable regulations including the SEBI (ICDR) Regulations. The enhanced capital will be
utilized for the general business purposes of the Bank.
II. Bank has consciously brought down the Credit Risk RWA/Total Advances Ratio from 80.34% in March 2018 to 71.91%
in March 2019. Bank is making efforts to reduce the RWA by undertaking a number of capital optimization measures.
i. Bank has shifted its focus from corporate lending to RAM (Retail, Agriculture and MSME). Our corporate loan
portfolio has reduced from 37% in March 2018 to 31% in March 2019.
ii. With regards to corporate loan book, bank is taking necessary steps to reduce the exposure to BB and below
rated borrowers as these attract higher risk weights. As a result of this, bank’s exposure to BB and below rate
accounts has reduced from 44% of total corporate advances in March 2018 to 34% in March 2019.
iii. In the retail segment, the Bank is focusing on low RWA by increasing its exposure in housing loan, gold loan,
education loan, CGTMSE guaranteed loans etc.
iv. Through focused approach towards resolution of NPA accounts, the Bank shall be ensuring substantial recovery
and upgradation of NPAs to Performing Assets which will entail in write back of provisions thereby improving the
Tier 1 Capital.
v. The focus in the Financial Year 2019-20 will be to book quality advances and investments to increase the earnings
thereby improving the Tier 1 Capital.
RECOVERY DEPARTMENT
The Bank has a well-defined Recovery Policy containing detailed guidelines for NPA Management. It encompasses all
areas of NPA Management, Monitoring and Follow-up measures, Compromise settlements, Staff Accountability, SARFAESI
Act, Appointment of Recovery/Enforcement Agencies, Sale of Assets to ARCs, Wilful Defaulters, One Time Settlement
(OTS) Schemes. The Policy is reviewed from time to time to incorporate the latest changes/developments in economy
and trends in NPA Resolution/Management. The Bank launched Non Discretionary and Non Discriminatory (NDND) OTS
Scheme in Q4.
1. During the year 2018-19, though there was Cash Recovery of Rs.5,718 crore (inclusive of Recovery in written off
accounts Rs.557 crore) and Up-gradation of Rs.567 crore aggregating to Rs.6,285 crore, the performance was
impacted by fresh accretion of some high value NPA accounts. (27 accounts of Rs.50 crore and above amounting to
Rs.3,180 crore).
Gross NPA level has decreased from Rs.38,131 crore as on 31.03.2018 to Rs.32,356 crore as on 31.03.2019 i.e.
by Rs.5,775 crore.
Net NPA has decreased from Rs.17,378 crore as on 31.03.2018 to Rs.11,333 crore as on 31.03.2019 i.e. by
Rs.6,045 crore.
Gross NPA percentage and Net NPA percentage have decreased from 21.48% to 19.29% and from 11.10% to
7.73% respectively.
Cash Recovery has increased substantially from Rs.2,403 crore in FY 2018 to Rs.5,161 crore in FY 2019
(114.77%).
Cash Recovery in Written off accounts has increased from Rs.410 crore in FY 2018 to Rs.557 crore in FY 2019
(35.85%).
2. 4 One Time Settlement (OTS) schemes were introduced in the FY 2018-19. The schemes had got good response and
sizeable number of NPA accounts were settled under the schemes. Total Cash Recovery through OTS in FY 2018-19
was Rs.1,425.66 crore.
3. During the year, Bank sold 6 NPA Accounts to Asset Recovery Companies (ARCs) under Swiss Challenge Method on
100% Cash basis thereby recovering Rs.1,405.55 crore resulting in reduction in NPA to the extent of Rs.3,618 crore
and write back of provisions of Rs.540.66 crore.
4. Recovery in NPA accounts was major thrust area for the year 2018-19. The movement of NPA is being monitored
closely by our executives on daily basis. The recovery in NPA accounts through legal actions and action under
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SARFAESI are being reviewed during review meetings on regular basis and video conferences are being held with
RMs and ZMs on monthly basis.
5. All NPA accounts above Rs.5.00 crore are discussed with the field functionaries. Necessary guidelines are issued
accordingly. Recovery action is initiated by Regional Managers, Zonal Managers in the accounts. Progress made in
the NPA accounts were reviewed in video conferences held on monthly basis. The Accounts are assigned to Zonal
Coordinators at Central Office for regular follow up.
6. Recovery Camps are being organized every day. In such camps, recovery in written off accounts is also a part of this
Recovery Drive.
7. Asset Recovery Branches (ARBs) are being closely monitored to improve the Recovery performance.
8. National Lok Adalat at District level being organized on quarterly basis with active participation of ROs/ZOs and Law
Officer.
Strategy for NPA Management

NPA management is the core focus area of the Bank. Our thrust will be on reduction of NPAs through Cash Recovery,
Upgradation, Compromise Settlement and other recovery measures as under:
To reduce NPA level, Bank has introduced, New Non-Discretionary/Non-Discriminatory (NDND) Special OTS Scheme
2019-20 for DA1, DA2, DA3, Loss accounts & PWO/TWO A/Cs with outstanding up to Rs.10 Crore.
Focus shall also be on Net Present Value (NPV) based OTS Approach covering all NPA Accounts.
Sale of NPA accounts to ARCs under Swiss Challenge Method
Resolution through NCLT/ IBC 2016.
Restructuring of debts where the units are commercially viable.
Targeting 50% reduction in NPA A/cs during this Financial Year.
Emphasis on Recovery in Written off Accounts.
Suitable Action against the Wilful Defaulters/ Non Co-operative Borrowers
Speeding up recovery process through DRTs in time-bound manner
NPA Sectoral/Portfolio review at regular intervals.
BANCASSURANCE
Insurance services are provided by our Bank under Corporate Agency of Life Insurance Corporation of India (LIC) for life
insurance and Chola MS General Insurance Company for non-life insurance products.
The performance highlights for the year ended on 31.03.2019:
Bank canvassed 20883 policies with premium of Rs.176 crore in Life Insurance Business.
Under General Insurance business, Bank mobilized 1,86,065 policies with premium collection of Rs.74 crore.
Total earning from Bancassurance business was Rs.20.61 crore.
With increase in number of Specified Persons (SP) by 140 during the year, the Bank now has 1,561 Specified Persons
to carry Bancassurance Business.
The Bank added 4 new Insurance Partners under Open Architecture Scheme of IRDAI this year. Now, Bank has tie up
arrangements with following Insurance Partners for Bancassurance Business:
Sr. No. Name of the Insurance Company Category

1 Life Insurance Corporation of India Ltd. Life Insurance
2 TATA AIA Life Insurance Co. Ltd. Life Insurance
3 The New India Assurance Co. Ltd. General Insurance
4 Bajaj Allianz General Insurance Co. Ltd. General Insurance
5 Apollo Munich Health Insurance Co. Ltd. Standalone Health Insurance
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DEPOSITORY SERVICES
Bank is a Depository Participant with arrangement with Central Depository Services Limited (CDSL). All the operations are
centralized and the services are offered through the nodal branch, Capital Market Services Branch located at Fort, Mumbai.
The branches in major centres facilitate opening of the accounts, pledge of shares and dematerialization of physical
securities. Bank is having around 28585 Demat account holders.
Capital Market Services Branch in Mumbai offers capital market facilities such as ASBA, Demat, Clearing Bank, Payment
of Dividend Warrants and Credit/Guarantee facilities to Brokers etc. and is the controlling branch for Demat and ASBA.
INFORMATION TECHNOLOGY
1. CORE BANKING SOLUTION
The Bank achieved 100% coverage of branches under Core Banking Solution (CBS) in December’2010.
The Bank has put in place a state-of-the-art IT infrastructure and has automated the business processes to ensure
operational efficiency and promptness of the services to the customers.
Updation/ augmentation of existing computing resources viz. hardware, networking, software, security and other
associated requirements are in process in tune with future business projections and other statutory and security
obligations.
Bank has setup a Disaster Recovery Centre and is conducting regular DR Drills as per regulatory guidelines in
line with Bank’s policy.
Policies and Procedures have been put in place and adhered to safeguard the interest of the Bank and the
customers.
Bank has implemented Near Site to ensure Business continuity with Zero Data loss.
New functionalities are being implemented in CBS as per requirements on an on-going basis.
Bank is in the process to implement Data Archival of CBS for storage and performance optimization.
2. NETWORK & CONNECTIVITY

Bank’s Corporate Network covers 4732 locations consisting of branches, extension counters, ARBs and
administrative offices.
Bank has also tied up with multiple service providers for procurement of 2 Mbps Wired/ Wireless/ RF/ VSAT links
either as primary or as backup depending upon the feasibility and requirements.
Bank has upgraded almost all the primary links to 2Mbps and above. The backup links at 78% of the total
locations have been upgraded to 512 kbps and above, which includes 500+ BSNL VSATs, 500+ Airtel VSATs and
300+ Hughes VSATs.
Bank is in the process to procure BSNL LL/ 2 Mbps RF/ 3G/ 4G to provide higher bandwidth backup link at the
remaining 22% locations and replace the existing backup VSATs,
Constant monitoring and controls are introduced for maintaining almost 100% uptime during branch working hours.
Bank has procured and installed/ commissioned new generation firewall, Web Application firewall at DC & DR
to enhance the security. Bank has also procured firewall for third party locations and is in the process to install/
commission the same.
To enhance the state of art network infrastructure Bank has procured Top of Rack (ToR) switches, Server load
balancer, Network Behaviour Analysis tool at DC & DR.
ALTERNATE DELIVERY CHANNELS

3. INTERNET BANKING
The Internet Banking (INB) facility of the bank provides various online services to our Corporate and Retail
customers. The website uses SSL certificate with extended validation (EV) and TLS 1.2 protocol for enhanced
security.
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New facilities added during 2018-19:

1. INB is now available in 7 languages including: English, Hindi, Marathi, Punjabi, Gujarati, Bengali and
Kannada.
2. Using INB, customers can now register for NPCI E-Mandate and set automatic regular payments.
3. Customers were required to use their CIF number as their user ID for INB previously. A new facility has been
provided to the customers to set their preferred User ID for INB instead of CIF number.
4. Second factor of authentication has been introduced for online password generation for enhanced customer
security.
Internet Banking facility offers a wide range of products and facilities which include online password generation
for Retail & Corporate customers, Introduction of multiple 2FA (OTP, GRID, & Digital Signature) options for
customers to make transactions using their choice and convenience. Funds transfer, online Tax credit view,
Utility bill payments, Online Tax payment for various Govt., Airlines/ Movie ticketing, shopping, temple donations,
Prime Minister’s National Relief fund donations, Fees collection for various Institutions/ Universities, Govt.
e-payments/ receipts, customized account statements in addition to regular statement of account, Online time
deposits including NRE/ NRO deposit creation. Online sovereign Gold Bond request through INB, Facility of Card
management through INB to enable, disable and control limits for cards,
Separate group has been created for corporate users to enjoy facility of tax payment. Additional facility of view
only Admin launched for enquiry and support purpose, CBDT module has been revamped to facilitate high volume
Tax collection through INB, Integration with Rajasthan Payment portal for online tax collection. Integration with
Bihar State Treasury Portal (CTMIS) for collection of taxes through INB
Revamping of IMPS setup with extension of facility to Branches.
IRCTC ticket booking, e-Freight for on-line Railway Freight booking by corporate customers etc. RTGS/ NEFT
facility is also available through Internet Banking and NEFT functionality is currently available 24*7 through INB
including Bulk upload for Corporate (Non personal) INB customers. The facility of a light weight payment page
has been introduced to facilitate faster online transaction processing. Additional facility of customized statement
of account for corporate customers is available. Corporate customers can choose various options while availing
Internet Banking as per the requirement of customers
Bank has deployed entirely new module through Payment aggregator, for tax collection for Odisha State
Government, Bihar State Government and Prime Minister National Relief Fund where customers of more than 40
banks can pay taxes. Bank has also implemented payment systems for Ministry of Civil Services, Food and other
e-PAO’s.
Corporate customers can now be offered INB with view only, INB with tax & Utility Bill payment only facility in line
with the facility already available for personal INB customers.
4. INTERFACES
Our Bank is integrated with PFMS (Public fund management system) for processing of the Government Payments.
This system is used to process MGNREGA DBT payments for two States of Madhya Pradesh and Maharashtra,
where our Bank is the sponsor Bank for the scheme.
New interfaces have been developed for the following projects:
• PM KISAN Yojna has been implemented through PFMS where our Bank is acting as the Sponsor Bank for 2
States of Madhya Pradesh (MP) and Maharashtra.
• Customisable module for Fee collection using web services for real-time fetching of fee details and updation
after successful collection at Branches. This module can be configured to add new institutions at short notice
by providing generic APIs for institutions to consume and start fee collection.
• Department of Social Justice (DoSJ), Madhya Pradesh pension processing on single click - this is project of
MP Government provides pension in one go to 40 Lakh beneficiaries.
• Dept. of Social Justice Haryana pension processing - This project is aimed at crediting beneficiaries of our
Bank through a single file upload.
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• Dept. of Gram Panchayat (DoGP) Madhya Pradesh - A facility to upload digitally signed files in Bank’s system
for straight through processing has been provided to DoGP. Additionally the functionality also generates
account statements daily and updates the DoGP setup.
• Rajasthan Payment Portal (RPP) - A facility to upload digitally signed files in Bank’s system for straight
through processing has been provided to RPP.
• Sharing of account statements for FCRA accounts held with our Bank is being provided to Ministry of external
affairs.
• EVC using Bank account - The facility of Electronic verification (EVC) of Income Tax return filing using
account number of the customer has been developed.
5. E-STATEMENT THROUGH E-MAIL

A setup to send digitally signed account statement through e-mail to our Bank customers has been implemented.
The facility also provides for signing and dispatching documents automatically to customer e-mail IDs.
6. M-PASSBOOK
Mobile based M-Passbook for customers has been highly rated by our customers in Google play store.
7. SMA-NPA TRACKER
SMA-NPA Tracker solution has been implemented in our Bank facilitating the field functionaries to ensure better
monitoring of loan portfolio and tracking their conduct of account on regular basis. The solution is deployed on
centralized server and can be accessed from Mobile Apps, browser of desktop/ laptop/ tablets and phones. This
product has been awarded as innovative product by Finnoviti-2019 and IBA Awards- 2019.
8. BHARAT BILL PAYMENT SYSTEM (BBPS)

This is a new initiative by NPCI to address the concerns of Bill payment business. Our Bank has got regulatory licence
to participate as an operating Unit under this initiative and same is under implementation. The BBPS website has been
launched successfully and the product shall be offered through INB and Mobile Banking shortly.
9. SMS BANKING/ ALERTS

SMS banking setup provides account information to the customers with real-time alerts on business transactions
carried out by them. Informational SMS alerts are also sent for maintaining control and monitoring by Branch
Managers and higher officials to enable them to monitor critical activities of branches for better housekeeping and
maintenance of accounts including monitoring of NPA.
10. MISSED CALL ALERTS

This facility is available to our CASA customers, whereby customers receive SMS regarding balance and last
three transactions free of cost by giving missed call to 9555244442 and 9555144441 respectively. Bank has
received appreciation from Indian Banks’ Association for this customer initiative.
The facility has been upgraded to provide account balances and mini-statement for multiple accounts of the same
customer.
11. APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA)

Securities and Exchange Board of India has streamlined the existing process of Initial Public offer of shares by
companies and introduced a supplementary process called as Application supported by Blocked amount (ASBA).
We offer ASBA facility to all our customers by which an investor can subscribe to public issues (IPO) through the
Bank by authorizing the Bank to block the application from his/her Bank account and thereafter remit the allotment
amount. The facility is also extended to syndicate ASBA and e-IPO.
12. MOBILE BANKING

Cent Mobile is a Mobile Banking Application of the Bank. Users can access most of the banking services
anywhere anytime through mobile device. Cent Mobile is available for Android, Apple (iOS), and Blackberry
platforms. It can be downloaded from respective Play Store/ App Store. Pre login options are accessible to all.
Post login options can be accessed by customers of Central Bank of India after completing one time registration
process.
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The functionalities available through Cent Mobile application are as follows:-

Pre Login Options
• Contact details of Central Office/ Zonal/ Regional Offices/ Branches including- office address, phone number,
email address, MICR Code, Pin Code, IFSC Code.
• Branch and ATM Locations - mobile handset GPS based list of nearby ATMs or Branches. State, District,
Centre or Pin code based pan India search option is also available.
• Map showing distance/ driving directions for ATM/ Branch/ Admin Offices.
• Touch dial to display phone numbers of Branches/ Admin Offices/ Call Centre.
• Link for Corporate website, Official social media pages (Facebook, Twitter), email address.
• Information banners related to products and services of Bank with zoom option.
• Interest rates on Savings and Time Deposit for different maturity periods.
• Interest rates on selected Retail Loan Schemes.
• Touch dial to Missed Call service of Bank for getting Account Balance or last few transactions over SMS
(available to Customers registered for this service).
• Real time Notifications/ Alerts regarding new launch/ offers/ modification in schemes etc.
• Search FAQ content based on key words.
Post Login Options

• Account Related Features: Account Balance Enquiry, Account Details, Mini Statement, Fund transfer to
accounts with Central Bank of India, Fund transfer to other bank accounts through NEFT, Fund transfer to
other banks through IMPS, Donation to selected Institutions and Open New Time Deposit Account (RDS, FDR
and MMDC Accounts).
• Requests: Card Blocking, Request for Cheque Book, Request for Stop Payment, Request to Revoke Stop
Payment, Cheque Status Enquiry, Registration for getting Account Statement over Email and NEFT / IMPS
Status Enquiry.
• Option to submit feedback/ suggestion/rating for Cent Mobile Application.
• Bill Payment services: Utility Bill payment, Mobile/ DTH Recharge.
• Credit Card Services : Central Bank Card related information such as Available Limit, Billed Amount,
Unbilled Amount, Last bill summary, Card Statement, Reward Points, Central Card contact details and Central
Card Bill payment and Request for Credit Card Blocking.
Card Control Features

Card Control features has been introduced in Internet Banking, Mobile Banking and CBS for enabling customers to
perform the following functions related to Debit card:
i) Debit Card Control

• Debit Card Control module introduced in Mobile Banking app enabling customers to perform the following
functions through mobile banking related to Debit card:
• Temporary suspension of Debit cards.
• Re-activation of suspended Debit cards
• Setting of ATM Cash withdrawal and E-Com/POS purchase per day limits of Debit Card for Domestic and
International transactions.
ii) Credit card Control

• Credit card Control module incorporated in Cent Mobile application containing the following features:-
• Viewing of credit cards
• Temporary suspension of domestic and International credit cards
• Re-activation of suspended domestic & international credit cards
• Setting the E-com and POS monthly transaction limit for Domestic and International credit cards
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New features introduced in Mobile Banking application

• Sending OTP through email in addition to SMS on mobile for fund transfer.
• New application design with enhanced User interface and look and feel
Multi lingual option provided
UPI option provided through Mobile Banking
launching of new light weight application with limited functionality
Cent BOT- On line conversational chat assistant
Bharat Bill Payment System (BBPS)
13. KIOSK BANKING:

Bank has installed 254 self-service kiosk machines with facilities viz. cash deposit, balance enquiry and 407 Multi-
function Kiosks with facilities viz. cash deposit, balance enquiry, mini statement, passbook printing, Cheque deposit
and Internet Banking.
14. UNIFIED PAYMENT INTERFACE (UPI)

BHIM Cent UPI, the Unified Payment application (UPI) of the Bank is available on Play Store for Android and iOS with
the following features:-
1. Send Money using
a. Virtual Payment Address(VPA),
b. Account Number and IFSC
c. Mobile number and MMID
d. Aadhaar Number
e. QR Code
2. Collect Money by sending collect request
3. Creation of Payment address for Bank Accounts
4. Manage Payee
5. Balance enquiry
6. Transaction history
7. Know Transaction status
8. Raise Complaints
9. Generate / Change MPIN
10. Notification for collect request
11. Approval Of collect Request
12. Auto detection of OTP
13. Resending of OTP
14. Hindi Language option for UPI application
15. BHARAT QR to scan and Pay through UPI
16. VPA block option to users for specified period
New features introduced in Unified Payment Interface

• UPI 1.5 - ATM PIN as an additional factor of authentication
• Integration of Bharat QR for merchant Payment using UPI
• UPI 2.0 Issuer certification completed. Which enable following features to customer.
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One time mandate creation, Revoke and execution with ASBA functionality.
Foreign Inward Remittance.
Access Over-Draft (OD) account as an underline account in UPI
• Implemented mandatory security controls recommended by NPCI
• Restricting Aadhaar based transactions through UPI
• Restricting UPI transactions with in the same account
15. BHIM Incentive Scheme

Government of India launched incentive schemes i.e. a) Referral Bonus schemes for Individuals b) Cash back scheme
for merchants for promoting the usage of digital payments through BHIM UPI is implemented in the bank.
OTHER PROJECTS
16. WEB SITE:
Sensing the need of customers, look and feel of the website is undergoing constant change. Website provides
apply online facility for Deposit Accounts and availability of Lockers at Branches etc.
Online submission of application for MSME loan through the website.
Grievance can be logged by the customer and can check the status.
Bank has taken all measures to ensure security on Internet Banking and Bank’s official website. Security Audit is
done on quarterly basis.
Utility bill Payment link on the website through Cent Smart pay.
Various central/ State tax payment links available on the website for convenience of the customer.
Security tips for the customers (a video presentation)
Various discount offers advertisements for the customers
Link is provided for National Pension Scheme
Various videos are uploaded to update the customers for the procedure for e-transactions.
17. RBI PAYMENT GATEWAY SYSTEMS

NEFT & RTGS are under Straight through Processing (STP) in our Bank.
Bulk NEFT facility is available to branches to remit funds to multiple beneficiaries at a time.
NEFT bulk upload through Cheque mode is also provided to Arera Hill Branch (3312) Bhopal for their customer
viz. Government treasury A/C.
RTGS/ NEFT facility is also available through Internet Banking System for Retail and Corporate Customers.
3 RRBs have also been provided NEFT facility through our Bank’s Payment Gateway. Additionally, bank has
extended NEFT facility to 40 District Co-operative Banks of Madhya Pradesh under Sub-membership arrangement.
Next Generation RTGS (NG-RTGS) is functional in our Bank since its launch by RBI.
Next Generation RTGS (NG-RTGS) facility had been extended to 39 sub-members Co-operative banks of Madhya
Pradesh.
Facility of Collection of funds on basis of Virtual account number has been provided to DDA, Allen Career institute,
India Trade Promotion Organization (ITPO), Sai Baba Central School and North Maharashtra University (NMU).
18. CHEQUE TRUNCATION SYSTEM (CTS)

As per RBI guidelines, Cheque Truncation System (CTS) has been successfully implemented at:
211 identified Centers for CTS in Southern Grid
155 identified Centers for CTS in Northern Grid
161 identified Centres in Western Grid
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19. CALL CENTRE

Bank has established a Call Centre since July 6, 2011 and is functioning smoothly.
Presently the Call Centre is offering various services like Information on Bank’s products and services, Information
on Branch/ ATM Location, Information on Interest Rates and Services Charges, Balance Enquiry, Transaction
Enquiry, Enquiry on Cheque Number, Debit Card Hot-listing, Stop Payment of Cheque, Enquiry on Interest Earned
/ Interest Paid, TDS Enquiry, Transaction Details, Status of Cheque issued or deposited, CD/CC/OD limit and
Interest enquiry, Recording of grievances and feeding it in Bank’s Customer Grievances system for its redressal at
an appropriate level. Bank has implemented CRM at Call Centre.
For convenience of the customers IVR system has been implemented at Call Centre.
Taking into account the increased expectation of the customers and to reach out to them in a most effective way,
a new Call Centre is established. Bank is making outbound calls to create awareness of products offered and
making soft recovery calls to SMA borrowers.
For redundancy of lines for outbound calls to customers for feedback/guidance, product awareness etc., two links
of different service providers have been installed.
Periodical Trainings to Call Centre executives are being provided by various technical / operational teams for
instant resolution of various queries raised by the customers.
Bank has upgraded to an advanced call centre with more seats and covering more functional areas with New Toll
Free Number- 1800221911 with 90 channels.
20. SINGLE DATA REPOSITORY (SDR)

Bank has set up a Single Data Repository which is source to provide information/ reports across the Bank. This will
ensure consistency in reporting maintaining single version of truth providing various Dashboards to Top Management
thus enhancing the Decision Support System. Static ALM, Dynamic ALM, Fund Transfer pricing, Analytical CRM and
Corporate Performance Management (Planning & Budgeting) modules are implemented under SDR Project.
21. ENTERPRISE SERVICE BUS (PAYMENT INTEGRATOR SOLUTION)

Capacity building exercise has been done to avoid delays in payment processes due to queue up and introduced
multi thread processing to meet timelines. Bank implemented a payment integrator solution viz. IBM Integration Bus
(IIB) for effective functioning of various batch processing functionalities like Electronic Clearing System (NECS), Govt.
Payments (GEPG), Pension Processing, and EFMS –Account No. Based, Lien Lifting and Transaction processing
(source app ASBA), HRMS Integration for payment of salary and other claims of employees, Integration of Inward
SWIFT Message (MT103), Co-operative Bank NEFT, Speed Remittance, NGRTGS, CPSMS – Digital signature
validation, PAN validation (at the time of CIF creation in CBS), E- Remittance (Flash Remittance), Integration of
Treasury, RTGS for DDA, Aadhar Based EFMS, MNREGA Aadhar Seeding, CTS, CMS with core banking System,
IMPS, Unified Payment Interface, Khazana, PMJBY, Welfare scheme of various State Governments etc.
22. HRMS
Bank has implemented a State of the Art HRMS solution (CENT SWADARPAN) using Peoplesoft solution of
Oracle, covering various functionalities such as Payroll Management, Tour Approval and Claim Processing,
Management of LFC, Leave and attendance administration, Employee Information System, Staff Loan
Processing, Management of Medical Aid, HRD / Legal Department, Disciplinary Action Division (DAD), Gratuity
Management/ Payment, Provident Fund Data Management and Payment, NRW Payment Processing, Allotment
of Residential Quarters, Brief case/Newspaper/ Conveyance reimbursement, Reports (Staff Strength, Payroll,
Form 16, Leave, Union, Increment Report), Training Management and Manpower Training (MPT), Investment,
Promotion Process Request Form, Annual Performance Appraisal Management and related reports, Silver Jubilee
Award Reimbursement, Furniture & Fixtures, Transfer of officers, Rent reimbursement facility, VRS, Grievance
Management etc. in addition to Manager Self Service, using which approving authorities sanction various claims/
requests of the staff.
Bilingual facility is made available in HRMS.
Bank has also established a DR set up for HRMS.
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23. IN-HOUSE DEVELOPMENT

Bank has a robust in-house Software Development Team which effectively handles software requirements of the
Bank thus avoiding outsourcing of software development activities, wherever possible. More than 40 portals have
been developed and made live. Many of portals are used for data collection from branches. Major portals which
are developed by in-house development team are:
• For staff only—this portal displays the circulars of various departments, manual of instructions, major Policies
of the Bank including HR, IT, Information Security, Aaudit etc.
• MOC Online Reporting—Portal for reporting MOCs issued by auditors in branches.
• Performatrix—Mobile App developed by in-house development team which displays figures of various
Business parameters of Branches – Current, last quarter, last FY and previous year .Also shows the growth of
digital transactions, Notification regarding accounts which is NPA ,SMA etc. which shows the mobile number
of the customer so that branch manager can easily contact the customer.
• Portal for BC Commission Calculation - This portal calculates the Business correspondent commission
(Financial Inclusion).
Following In-house developments completed:
• Web portal for CMC reporting
• Portal for Fraud Reporting & Monitoring (Closing Returns)
• Portal for BC Commission Calculation
• Performatrix - IOS Version
• Portal for DRC file generation
• RAROC Calculator
• Web portal for CR Request
• Portal for reporting Unhedged Foreign Currency Exposure ( UFCE) by the Branches
Projects under Development:-
• AEPS Reconciliation
• Portal for SIBC data collection
• Web portal for PMAY
• Portal for Reporting of Surprise visit of Branches by Senior Officials from ZO/ ROs
• Portal for reporting of Branch security details
24. RRBs SPONSORED BY THE BANK:

Bank was sponsoring 3 RRBs with 1632 branches. As per Govt. Notification, one of the RRBs, CMPGB is being
merged with another RRB sponsored by Bank of India. Administrative merger has been completed as of April 2019
and technical migration will happen phase by phase taking care of the network challenges. All the branches are under
Core Banking solution and efforts have been made to bring up the technology initiatives of RRBs at par with the
initiatives undertaken in the Bank. The entire system is revamped to take on the requirement of the bank till August
2020. Renewal has been done envisaging expansion of branches and business growth of the RRBs. At present RRB
branch network is primarily on BSNL wherever feasibility is there and remaining branches are functioning with VSAT as
primary.
Efforts have been made to implement all technical initiatives of the sponsor Bank and major initiatives are as under:-
• EMV chip based ATM card facility for RRB customers
• SMS alert introduced at RRBs
• Renewal of Biometric Authentication solution for branch CBS users.
• POS facility through Rupay Debit Card
• Comprehensive IS Audit of RRB is completed
• DBTL/ ACH is implemented in all 3 RRBs
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• Implementation of Rupay Card transactions through MicroATMs.

• BC OD mapping at BC point
• Implementation of IMPS
• Implementation of Ckyc
• Implementation of E-Commerce
• Renewal of RRBCBS – Appointing of Consultant
• Merger of CMPGB with BOI
• Aadhar Data Vault
• FI integration subsequent to change of Vendor from M/s.Integra to M/s.Atytati Technologies.
• MMS renewal with M/s.Wipro/Zimbra
25. FINANCIAL INCLUSION INITIATIVES:
DBT (Direct Benefit Transfer)- Credits to the accounts of customers who get the subsidy from gas agencies and
credits like MNREGA from government to beneficiary accounts were successfully done and our bank stood 1st
among all PSBs during March, 2019 in reduction of DBTL returns.
FI Terminal ID validation for identification of BC through which transaction happened
Aadhaar Authentication menu in CBS with Amend, Delete, Enquiry options
Account validation revised format as per the CBDT
Front end nomination amend screen requirement in PMJJBY and PMSBY schemes enabled
BC supplementary report and storing failed transaction with reason in CBS customized
Aadhaar Seeding History for knowing the Aadhaar seeding/linking by maker n checker details with customer
accounts was customized in CBS UIDH table
Reports for payment of commission to BCs for revised commercial from 01.01. 2019
SSA Names with Addition/Deletion/Enquiry option in CBS (Parameter Screen)
GIS (Geographical Information System) Data Updation
SHG Dual Authentication at BC point implemented
Business conversion from old BC to new BC done
Enrollment of PMJJBY & PMSBY @ BC point enabled
Failure Transactions storing in CBS enabled
APY Pension amount upgrade n downgrade facility in branches enabled
Enrollment of APY, PMJJBY & PMSBY facility under SSS (Social Security Schemes) in PMJDY OD ACCTS
allowed
Blocking of Financial transactions in NRE Accounts was done.
26. IT GOVERNANCE
The necessary structure for IT Governance has been set up with the formation of IT Strategy and Risk Management
Committees in the Bank.
IT Policy Version 1.5 was approved and adopted by the Board. The IT organizational structure commensurate
with the size, scale and nature of business activities carried out by the Bank and the underlying support provided
by information systems for the business functions. The broad areas or functions considered for IT organizational
structure include ‘Technology and Development’, ‘IT operations’, ‘IT assurance’, and ‘Supplier and Resource
Management’. IT Department is headed by a Top Executive in the Rank of Dy. General Manager supported by
Asstt. General Managers. Each functional vertical of IT department is headed by suitably experienced and trained
senior officials.
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The Bank has also adopted Patch Management Policy, Acceptable Use Policy, Anti-Piracy Policy, Electronic
Gadget & IT H/W Policy, H/W Disposal Policy, Data Migration Policy for better Management.
Preparation and submission of Balance Scorecard is carried out on regular basis and Performance rating under
various parameters of IT projects is being done as per the advice of IT Strategy committee.
27. INFORMATION SECURITY.

Bank`s Data Centre (DC) and Disaster Recovery Centre (DRC) are certified for ISO 27001:2013 ISMS standards
and ISO 22301:2012 BCMS standards.
Measuring the effectiveness of various information security controls/ activities on quarterly basis through the
concept of Information Security Balanced Score Card.
Regular participation in Cyber Drills conducted by IDRBT.
Privilege Identity Management (PIM) solution has been implemented to manage the activities of privileged users of
various systems in the Bank.
Security awareness initiatives for customers as well as staff on regular basis.
Ensured necessary steps for strengthening the cyber security posture of the bank in line with industry best
practices and RBI guidelines on “Cyber Security Framework for Banks”.
Cyber Security Operation Centre (C-SOC) on captive basis established.
Started implementation of various advanced security solutions.
Steps initiated for procuring Cyber insurance policy for Bank.
Regular security audit of critical IT infrastructure/applications through third party.
28. BIOMETRIC AUTHENTICATION FOR CBS USERS (STAFF):

Bank has enabled 2 Factor Authentication through Biometric Authentication System (BAS) as part of
implementation of an additional security measure while login to CBS.
All the branches and offices enabled for biometric authentication and all the users with transaction capability have
been made mandatory to login on CBS through Biometric Authentication
29. JEEVAN PRAMAAN

Jeevan Pramaan application for Digital Life Certificate Generation for Pensioners has been installed at all the RO/ ZO/
branches of our Bank. Central Govt/ Defense/ State Govt pensioners can be enrolled for Digital Life Certificate from
any ZO/ RO/ Branch Location.
30. CENTRALIZED LOAN APPRAISAL SYSTEM AND SUPERVISION (CLASS)

CLASS has been implemented with Monitoring Module for Retail, Agriculture, MSME and Corporate Loans.
After the introduction of this system, the enforcement of credit rules for sanctioning of loans has become easy and
the procedures have become uniform across the branches.
At present, the software is used by all the branches for Loan origination of Retail Loans & CKCC (Agriculture Crop
Loan) exclusively from CLASS and not in CBS. A facility for online submission of retail Loan applications under
this software is available.
Both online and offline loan applications tracking facility is also available through this software over the internet.
Newly Launched NSDL Vidyalakshmi Portal for education Loans is already linked with CLASS and Phase II
implementation for automation of NSDL Portal is implemented and in use by the branches.
This software is capable of displaying RBI defaulters list. NPA module is under testing phase.
Consolidated 5 Years renewal of AMC/ ATS of Application, Middleware, Hardware of Licenses is executed with
vendors through negotiation & RFP.
Many new functionalities are being developed and being implemented as per requirements from the user
departments on an ongoing basis.
Migrated CLASS Database to Oracle for better performance.
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31. SARAL TDS WEB APPLICATION

Centralised e-TDS Management Solution implemented on 06/10/2015, which facilitates monthly IT challan generation
for remittance of TDS and filing IT returns.
32. CASH MANAGEMENT SERVICES (CMS)

Cash Management system implemented on 01/01/2015, which facilitates corporate customers to manage liquidity,
account balances, payments and other Cash Management functions. The application has two main modules viz.
Payments and Collections.
33. ANTI MONEY LAUNDERING (AML)

AMLOCK application implemented on 15/06/2015, which facilitates generation of the mandatory reports (daily/ monthly)
like STR, CTR, NTR, CCR and CBWTR, which are being filed with FIU.(Financial Intelligence Unit).
34. MISCELLANEOUS PROJECTS

Implementation of Integrated Risk Management System
Implementation of Fraud Risk Management System
Digitalisation of documents with implementation of Document Management System (DMS).
Mail Messaging System & Video Conferencing
Review of existing IT related policies
Implementation of Digital signature for Corporate INB customers
Regularization of usage of licensed products like Microsoft Office
Implementation of OTP as a second factor of Authentication for Debit Cards.
Wide usage of Video Conferencing facility, which is made available on Bank’s corporate network, Internet & iPads
All regulatory compliance requirements that came up during the period.
Off-site Monitoring - 90 alerts have already been provided to Audit department for Off-site monitoring.
35. SWIFT
SWIFT is used for cross-border Transactions only. Forex Branches transact in SWIFT whenever a cross-currency
transaction comes. Standard Messaging system where message is sent/ received through SWIFT platform and
settlement happens at NOSTRO/ VOSTRO account level. Various Type of SWIFT Messages each for Different
purpose.
SWIFT is enabled in 72 branches in our Bank as on 31/03/2019 for cross border remittances. SWIFT system can
be accessed only from Whitelisted PCs at these 72 branches.
Access of SWIFT application can only be taken from whitelisted IPs using 2 factor authentication by Identified
Whitelisted Users only.
Interface with Trade Finance application established for outgoing messages using IBM Message Queuing.
6 eye principle is implemented for all SWIFT transactions. In addition 8-eye principle is implemented for
transaction more than 500000 USD and equivalent currency.
SWIFT Alliance version upgraded to mandatory patch SAA7.2 as per SR2018.
36. NEW TRADE FINANCE MODULE (FX-24) WAS IMPLEMENTED ON 03/04/2018 IN PLACE OF EXIM BILLS
MODULE.
Salient Features
• Web based solution and hence available to all branches of our bank.
• Complete integration with Export Data Processing Management System (EDPMS) of Reserve Bank of India. Due
to this, bank could achieve 76% compliance in EDPMS reporting against the RBI stipulated compliance of 70%.
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• Complete integration with Import Data Processing Management System (IDPMS) of Reserve Bank of India.
• Compliance with Master Directions of Reserve Bank of India with regard to Imports and Exports
• Compliance with Customer Information Facility Number (CIF) de-duplication.
• Facility to part discount export bills/part payment of import bills
• Using Cross currency forward contracts in all the modules (Outward remittance, inward remittance, Export and
Import transactions).
• All Important reports available in PDF/ Excel format to all users.
• Utilization of combination of ready, forward and card rates in a single transaction.
• Double authorization for financial transactions of Rupee equivalent of 10,00,000 and above.
• Foreign Inward Remittance certificate (FIRC) printing.
• Interest equalization based on 416 permitted HS codes of DGFT/ RBI (both for Preshipment and post shipment),
• Offsite monitoring alerts (16 alerts) are generated and provided to Audit department for monitoring.
• Functionality for advance payment against exports/imports
• Amortization of LC/BG commission was automated. Previously Branch used to
calculate and vouch LC/BG commission manually on quarterly basis.
• SWIFT integration completed as per SR 2018 changes.
• LC/BG periodical commission recovery enabled.
Along with the Trade finance module, Bank has also implemented Supply Chain Finance module in Corporate Finance
Branch, Chennai for corporate customers.
37. COMPREHENSIVE PENSION PROCESSING SYSTEM (CPPC)

New Pension System has been implemented w. e. f. 27/03/2018. Centralized processing of payments of all types of
pension is enabled in the system. Scanning and storage of PPOs has been made available in the system. Benefits for
pensioners are as under-
Easy capturing of life certificates for the pensioners who can visit any of the branch for the purpose.
Integration with Jeevan Praman for smooth submission of life certificates.
SMS to pensioners on pension/arrear/DA arrear/commutation/gratuity and other payments.
Storage and retrieval of scanned images of PPOs for easy access and safe keeping.
Easy and accurate calculation of pension amounts. Facility of processing and payment of family and split
pensions.
Pension pay slip generation for payments made to pensioners.
Pension Payslip by Email implemented.
AUDIT AND INSPECTION

Branches of the Bank are subjected to Risk Based Internal Audit (RBIA) through Internal Auditors and Risk Rating is
awarded to each branch as per Composite Risk Matrix. Accordingly out of total 4,659 branches, 4,449 Branches were
subjected to RBIA & Branches were rated in FY 2018-19. Overall there were 3106 branches placed under Medium Risk
Rating, 1,449 branches with Low Risk Rating, 90 branches with High Risk Rating and 3 branches under Very High Risk as
on 31.03.2019. No branch of the Bank is rated under Extremely High Risk category.
During FY 2018-19, 33 Regional Offices, 12 Zonal Offices and 9 Central Office Departments were subjected to
Management Audit.
As on 31.03.2019, 819 General Branches/ 23 SSBs/ 9 CCPCs/ 4 CO Departments totaling 855 branches/ departments
were covered under Concurrent Audit by the firms of Chartered Accountants/ Bank officials. All 7 Corporate Finance
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branches and 5 Exceptionally Large branches are under concurrent audit by Bank’s own official of Senior Management
Grade. Around 54.57% of total business of the Bank and 64.38% of aggregate advances as of 31.03.2019 are covered
under Concurrent Audit. Concurrent Audit assignment was awarded to 843 Chartered Accountant Firms, out of which 412
firms are RBI Category I, 290 are category II, 110 are category III and 31 are RBI Category IV firms.
Bank conducts annual revenue checking exercise from 1st March to 10th March every year through firms of Chartered
Accountants, Internal Auditors and other officials to ensure booking of legitimate income in the books of Bank.
In compliance to RBI directives, Legal Audit in 374 eligible accounts has been carried out during 01.04.2018 to 31.12.2018
and re-verification of title deeds was done with relevant authorities.
Bank ensures strict compliance culture at branches through periodic inspections and audits. Bank also conducts
Compliance Audit on random basis to ensure correctness of audit compliance submitted by auditee branches. During FY
2018-19, 361 branches were subjected to compliance audit.
Bank is also under Offsite Monitoring system to monitor the transactions at branches, above the threshold limits fixed under
various scenarios. Presently alerts are generated on 89 scenarios.
Bank had also conducted special audit of swift messages sent by its AD branches and no irregularity was observed.
Bank also conducts KYC compliance audits in addition to coverage in regular audits.
BRANCH EXPANSION
As on 31st March 2019, Bank has network of 4,659 branches, 3,966 ATMs, 10 satellite offices and 1 Extension Counter.
Bank is having pan India presence covering all 29 States, 5 out of 6 Union Territories and NCT Delhi, 574 District Head
Quarters and 635 Districts out of 707 districts in the country.
DISTRIBUTION OF BRANCHES
Metropolitan,
881, 19%
Rural, 1605,
34%
Urban, 828,
18%
Semi Urban,
1345, 29%
Rural Semi Urban Urban Metropolitan
OPERATIONS
Bank’s expanded modernized Call Center is providing out bound call Facility for promotion of products / reminders to
customers regarding overdues in their loan accounts etc. in addition to inbound call facility to resolve the enquiries /
complaints of the customers.
Online subscription facility for Sovereign Gold Bonds is made available to the customers.
New pension software -GBM-Pension Module has been introduced to improve speed, accuracy and security in pension
processing system; it will provide SMS to pensioners regarding details of payment and prompt revisionary benefits.
As per Road Map for Banking Reforms of GOI, the revised simplified Account opening forms (CIF and AOF - Personal
/ Individual) have been introduced for the ease of customers.
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SMSs are being sent to customers prior to debit of clearing Cheques. In case of disputed Cheques, customer to
contact Home- Branch or Call Centre on 1800221911.
Banking Facility for Senior Citizens and Differently Abled Persons:-
We have walked an extra mile by introducing Door Step Banking Services for physically challenged and Senior
Citizens customers. To begin with we are extending following Services at reasonable service charges:-
Pick up of Cash and instrument against receipt for credit to account, Delivery of Cash against withdrawal from the
account, Delivery of Demand Drafts, Submission of Know Your Customer (KYC) documents and life certificate at the
premises/ residence of such customers, form no 15 H, other Basic Bank Service e.g. delivery of cheque Book. These
services will be rendered within the radius from 3 KM area of the Home Branch. Service charges are Rs.50/- per
Occasion (plus cash handling charges/ DD Charges and Service Charges/ Taxes applicable.
Now Customers can open accounts under Small Saving Schemes like PPF/Senior Citizen Saving Scheme /Sukanya
Samriddhi Accounts /KVP in any of the branch of their choice.
Complaints of the customers are resolved promptly; disposal time has been reduced to ten days.
Task of CKYCR will be done on priority; and we plan to complete in FY 2019-20.
RAJBHASHA
Achievement of Rajbhasha Vibhag during Financial year 2018-19
All India Conference : -
A grand “Akhil Bhartiya Rajbhasha Sammelan” was organized by Rajbhasha Vibhag in Bhopal on 24-25 January, 2019.
Inter Bank All India Kavy Path Pratiyogita :-

“Inter Bank All India Kavy Path Pratiyogita” was organized by our SPBT College. Around 200 participants of different
Banks have participated in this competition.
Inter Bank Hindi Essay Competition :-

Rajbhasha Vibhag organized Second Inter Bank Hindi Essay Writing Competition for the first time. Number of Staff of
different Banks have participated in this competition.
Our Bank was awarded by various prizes during the financial year 2018-19 :-
State level Prize : -
Our Zonal Office Hyderabad was awarded with “First Prize” by Telangana State Level Bankers’ Committee for the best
implementation of Official Language Policy of Government of India.
Ministry of Home Affairs prize :-

On the occasion of Hindi Diwas on 14th September, 2018 Govt. of India, Ministry of Home Affairs, Rajbhasha
Department awarded “Second Prize” of prestigious “Rajbhasha Kirti Puraskar” to Town Official Language
Implementation Committee (Bank), Bhopal convened by our Bank.
Our Mumbai Zonal Office was awarded “First Prize” under linguistic area “B” and our Panaji Regional Office was
awarded “First Prize” under linguistic area “C” by the Ministry of Home Affairs, Rajbhasha Vibhag for the best
implementation of Official Language Policy of Government of India.
Town Official Language Implementation Committee, Panji, convened by our Bank was awarded “First Prize” by the
Ministry of Home Affairs, Rajbhasha Vibhag for the implementation of Official Language Policy of Government of India.
Award given by “Ashirwad Organization” to our Bank :-

Mumbai based well established “Ashirwad Organization” awarded our Bank “Third Prize” for the best implementation of
Official Language Policy and our House journal “Centralite” was also awarded with “Second Prize”.
Awards by Town Official Language Implementation Committee:-

First Prize to Zonal Office, Kolkata.
First Prize to Zonal Office, Patna.
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First Prize to Zonal Office, Hyderabad.

First Prize to Regional Office, Gwalior.
First Prize to Regional Office, Aurangabad.
First Prize to Regional Office, Surat.
First Prize to Regional Office, Kochhi.
First Prize to Regional Office, Indore.
First Prize to Madgaon Branch,
First Prize to Allahabad Main Branch.
Second Prize to Regional Office, Sagar.
Second Prize to Regional Office, Meerut.
Second Prize to Regional Office, Siliguri.
Second Prize to Amravati Main Branch.
Second Prize to Belgaum Branch.
Second Prize to Kurnul Branch.
Second Prize to Revpura Branch.
Second Prize to Jarganhalli Branch.
Third Prize to Regional Office, Bhubaneswar.
Special Prize to Zonal Office, Mumbai.
Special Prize to Regional Office, Bengaluru.
Special Prize to Regional Office, Jaipur.
Consolation Prize to Zonal Office, Delhi.
Consolation Prize to Regional Office, Vijayawada.
Memento and appraisal letter to Regional Office, Jalandhar.
CORPORATE COMMUNICATIONS
It continued to be our endeavor this year to make consistent efforts with thrust on low cost advertising to generate public
awareness about our products & services through print, electronics, outdoor and other mass communication vehicles,
to sustain and enhance our brand image while adopting go green measures and to augment the business of our Bank
with active engagement of field staff. For enhancement of visibility on pan India basis, various publicity activities such as
branding on Traffic Barricades, No Parking Boards, Police Booth, Utility Kiosks, Wall Painting, Auto Rickshaw, Bus, Train,
Shikaras branding etc. were done in addition to the sponsorship of Local Sports/Yatras/Events/Kisan Camps/ Conferences
at the field level. To support these activities Local Cable, FM Radio, Mobile App, Ads in Cinemas were also used.
137th Birth anniversary of our Founder Sir Sorabji Pochkhanawala was celebrated by all Centralites through all Zones
on 9th August 2018. “Extended Mission Recovery” was launched on this auspicious occasion.
“Swachhata Abhiyan” was organized by all zones as per guidelines of Govt. of India.
TMT & BEST buses branding & Glow Sign board at Mumbai CST main Concourse was done by MMZO.
Raincoats branded with Bank’s name & logo were given to GOA Police.
Branding on Pedal boats floating in Naini Jheel was done by Delhi Zone.
Backlit pole kiosk branding for advertisement by Rajkot Region in Ahmedabad Zone.
Wide publicity was given to our Bank’s Product and Services through Zones of which – Subroto Cup Sponsorship
and Govt. Achievement Expo, IITF sponsorship through Delhi Zone, IIM Indore Sponsorship through Bhopal Zone,
Sponsorship of Music Festival, IIM Ecoches- Cochin, Sponsorship for Melmavaruvathur Adhi Parashakti, Coimbatore
Airport Publicity through Chennai Zone, Sponsorship for FKCCI through Hyderabad Zone. Glow Sign, Mobile Charging,
Hoarding Publicities at Railway Stations in Mumbai, Bus Branding at Thane and New Mumbai and sponsorship of
various Musical shows and Navy Day sponsorship through Mumbai Zone.
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Foundation Day celebrated in befitting manner through our Zones and Print Ad Publicities were given through National,
Regional Newspapers to gratitude our esteemed clients and respect our beloved Founder.
Advertisement/Publicity has been given through Social Media.
Vigilance awareness week, National Integration day, Yoga Day, International Women’s Day was celebrated and
publicities were given to enhance our Bank’s visibility.
Sponsorships were given for Dr. Babasaheb Ambedkar’s Birth and Death Anniversaries.
VIGILANCE
1] Systemic Improvement:
During the year the following systemic improvements were undertaken:
a) SWIFT messaging system has been integrated with the CBS system and all entries in SWIFT are now routed
through the CBS/FX24 Platform.
b) Improvements in the existing CLASS module for processing Retail loans are under implementation.
c) For effective monitoring and as a preventive tool, incoming RTGS / NEFT Reports are made available on same day.
2] Vigilance Awareness Week 2018:

As per the directives received from CVC, “Vigilance Awareness Week 2018“ was observed by bank from 29.10.2018
to 03.11.2018 in the right spirit and in line with this years’ theme “Eradicate Corruption to Build a New India”. On
29.10.2018, pledge was administered to the staff working at various departments of Central office. Similar functions
were also arranged at all the 13 Zonal Offices, 59 Regional Offices and the Branches of the bank and Regional Rural
Banks sponsored by our Bank.
Our Bank provided hyperlink to CVC’s website to enable customers and staff to take e-pledge.
Bank has sent 24.20 million SMS to customers thereby providing hyperlink to CVC site to take Integrity Pledge during
the Vigilance Awareness Week.
Mass pledge was administered to customers, as well as general public in the Rural and Semi Urban areas where
technical issues were faced for taking e-pledge. Bank was successful in uploading a total of 7,42,000 Mass Pledges in
the CVC site.
An all India online Quiz Competition covering issues relating to Preventive Vigilance was organized exclusively for
the staff of our bank wherein the participation was overwhelming and 20 candidates were awarded prizes in this
competition.
About 22.35 lakhs pamphlets on preventive vigilance activities were distributed all over India by our Bank as well as
through RRB’s.
Bank has conducted 627 workshops/sensitization programmes, for the employees, relatives and other stake holders on
policies/procedures of the organization and preventive vigilance measures.
As per directives of CVC Bank has also conducted debates, elocution competitions, slogan writing, poster making,
lectures etc. which were organized at in 215 schools and 138 colleges at 9 specified centres viz. Patna, Siliguri,
Jabalpur, Ahmedabad, Nasik, Pimpri, Chinchwad, Greater Mumbai, Thane & Navi Mumbai to create awareness for
promoting integrity and eradicating corruption.
The town hall meetings for public/Customers/staff were arranged at various places and Special Invitees from Judiciary,
CVC, CBI, Police dept, Colleges etc have attended our programmes and addressed the gathering.
Bank has conducted 8,304 Gram Sabhas throughout the country at Rural and Semi Urban centers to create
awareness among general public about need for promoting integrity and eradicating corruption from our Society.
About 15000 banners/posters were displayed at various places at branches, petrol pumps, Railway Stations etc.
across the country. 5,938 Customer Grievance Redressal Camps were organized by various branches all over India.
Radio Jingles on FM Channels at 29 centers across were relayed throughout the Vigilance Awareness Week. The
message of Vigilance Awareness was also spread through Facebook, Twitter as well as YouTube. The message
of CVC was displayed on our Visual Display Units in our branches, Facebook and Twitter pages of our Bank. The
message of CVC was also displayed through 15,000 [approx.] hoardings/banners throughout the country.
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Various events like Human Chain, Walkathon, Road show, Nukkad Natak were organized at various places.
HUMAN RESOURCE DEVELOPMENT

1. MANPOWER:
At the end of financial year on March 31, 2019, the staff strength of the Bank stood at 35,675 as against 36,843 at the
end of financial year on March 31, 2018. The category-wise break-up of staff is given below:
Category March 2017 March 2018 March 2019
Officers 16247 17166 16868
Clerks 13001 12300 11766
Sub-staff 7796 7377 7041
Grand Total 37044 36843 35675
2. HUMAN RESOURCES DEVELOPMENT:

(i) Donation to Chief Minister’s Relief Fund- Kerala
In a way of expressing our concern and solidarity with the affected people of Kerala, due to floods in August 2018,
the Bank, consisting of a large workforce, appealed to our Staff members to donate by encashment of 1 day’s
Privilege Leave. In response to the appeal, our staff members contributed to the extent of Rs.5.35 crore and the
same was remitted to the Chief Minister’s Relief Fund-Kerala.
(ii) Payment of Bonus for the Financial Year 2017-18.

Bonus for the year 2017-18 i.e. for the period from 1st April, 2017 to 31st March, 2018 @ 8.33% of the ‘Salary/
Wage’ to all the eligible employees with the maximum of Rs.7,000 was paid.
(iii) Group Medical Insurance Coverage For Employees:

Renewal of Group Medical Insurance for employees for the period from 1.10.2018 to 30.09.2019 has been done.
(iv) Group Health Insurance Policy For Retirees’ For The Period from 01.11.2018 to 31.10.2019.
The Retirees’ Group Health Insurance Policy was renewed for the period from 1st November, 2018 to 31st
October, 2019.
(v) Staff Welfare Schemes Prevalent In The Bank - Major Decisions Of Staff Welfare Committee In Its Meeting
Held On 21.07.2018 In Respect Of Staff Welfare Activity For The Financial Year 2018-19
The Staff Welfare Committee met on 21.07.2018 to decide on Staff Welfare Schemes for the Financial Year 2018-
19. As per the decision of the committee only the following three schemes were operative for the Financial Year
2018-19;
(a) Scheme for Relief to the family of employees who die in harness.
(b) Holiday Homes and Transit Homes -At present there are 7 functional Holiday Homes.
(c) Provision of Medical facilities to staff – Salary to existing part-time doctor and Cost of Medicine.
(vi) Central Bank of India – Employees Stock Purchase Scheme

With a view to raise capital and also to enhance the sense of belongingness / ownership amongst our employees,
our Bank considered it desirable to raise capital by issuance of shares to employees through with Employee Stock
Purchase Scheme (ESPS). The issue opened on 19.03.2019 and closed on 29.03.2019. Apart from raising of long
term resources, ESPS will help the Bank to recognize and reward contributions made by employees of the Bank
and align their interests with the long term interests of the Bank.
3. TRAINING
As per the approved Training Plan, Training Calendar was prepared for the year 2018-19 and priority has been given
to training on Credit (Retail, MSME and Agriculture), Recovery, Forex, Risk Management and Behavioral aspects.
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All Training Colleges and ZSTCs have conducted Training Programme as per the Training calendar. During the year,
33,152 employees were trained with a coverage ratio of 93%.
Special Training initiatives taken during the year 2018-19 are as under:-
59 Executives (DGMs & Regional Managers in Scale V) have attended “Customised Management Development
Training Program” at Administrative Staff College of India (ASCI), Hyderabad.
43 Branch Managers attended the customised Training program on “Effective Branch Banking” in the month of
Dec 2018 at IIBM Guwahati.
The Induction Training Programme for newly recruited POs & AFOs held at our Training Colleges in the Financial
Year 2018-19.
The Induction Training programme for newly recruited Clerks held at Zonal Staff Training Centres for the financial
year 2018-19.
26 courses on E-learning were made available in E-learning portal managed by Bank.
During the year 2018-19, 1845 Programs including Class Room, Locational, Special Training were conducted covering
all staff members for attending one or two training programmes each i.e. 33152 participants and 91921 man days
by three training colleges and 15 Zonal Staff Training Centers. Apart from these 333 Officers in various scales were
nominated for specialized training programme conducted by external training agencies like NIBM, CAB, IDBP, BIRD,
IIBF, ASCI, and IDRBT etc. Further 7 Officers have been sent for foreign training programme/ workshop/ summits/
exposure visit in the year 2018-19.
4. RECRUITMENT & PROMOTIONS:

In the year 2018-19, recruitment process was held for 1067 posts encompassing Probationary Officers, Agriculture
Finance Officers, Security Officers, Clerical Staff and Sub-staff.
The promotional exercise has been made more motivating and as a corporate goal, it has been resolved to hold
the promotion processes as far as possible for all scales/categories. Accordingly, during the year 2018-19 inter-
scale and inter-cadre promotion processes were conducted and employees/officers were elevated to higher cadre/
scale, out of which 50 sub-staff were promoted to clerical cadre, 307 clerks were promoted to Scale-I officers and
1108 officers were elevated to higher grade/scale.
5. IMPLEMENTATION OF RESERVATION POLICY:

• The Bank has implemented guidelines/ instructions received from Govt. of India/ Indian Bank’s Association
on Reservation Policy and concessions and relaxations are extended to SCs/STs/OBCs/PWDs and EXSM as
admissible in the Reservation policy.
• Smt. Manju Diler, Hon’ble Member, National Commission for Safai Karmacharis visited Bhubaneswar on
06.06.2018 and discussed the Regional level issues of Safai Karmacharis with representatives of Safai
Karmacharis of the Bank and the Bank Management.
• Study visit of Parliamentary Committee on the welfare of SCs/STs on 11.06.2018 at Manali, discussed the
issues of SCs/STs with the Union/ Association representatives of SC/ST and with the Bank Management on
implementation of reservation policy on the welfare of SCs/STs.
• Shri A. Sathyanarayana, Asstt. Director, National Commission for Scheduled Castes, Bangalore, State-Karnataka
visited Bangalore for checking of Roster, complaint register etc. and discussed with the Union/ Association
representatives of SCs and the Bank Management from 15, 18 and 19 June, 2018.
• Shri Manhar Valji Bhai Zala, Chairman, National Commission for Safai Karmacharis visited Jamnager on
21.07.2018 and discussed the issues of Safai Karmacharis with Union/ Association representatives of Safai
Karmacharis and the Bank Management on implementation of reservation policy on the welfare of Safai
Karmacharis.
• Shri Yogendra Paswan, Hon’ble Member of National Commission for Scheduled Castes visited Patna on
24.07.2018 and discussed the issues of SCs with Union/ Association representatives and the Bank Management.
6. INDUSTRIAL RELATIONS:
The Industrial Relations during the year remained cordial.
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CREDIT/ PREPAID CARD OPERATIONS:

The Bank has Credit Card base of 92838 & Prepaid Card base of 398624 as on 31st March, 2019.
The bank issues Credit Cards with major Card Association’s viz. MasterCard, Visa and RuPay. Prepaid Cards are
issued in association with MasterCard.
Bank issues only EMV Chip based Credit Cards for customers.
Bank has launched dedicated Web Portal for Credit Cards.
Credit Card functionality is also developed on Mobile Banking.
EMI option for on line purchases by Credit Card is developed and implemented.
RuPay Credit Card with two variants (Rupay Platinum, RuPay Select) launched in July 2017.
Bank issues reloadable (open loop system) RuPay prepaid card on Rupay platform.
ATM /DEBIT CARD OPERATIONS:

Total number of ATMs as on 31st March 2019 is 3966.
Cash Replenishment by Bank staff is being done for 1061 ATMs.
3603 Branches have been linked with ATM as on 31st March 2019.
66% of the Bank’s ATMs are located in Rural & Semi-Urban areas.
Average ATM Uptime during the year is 91%.
Daily average hits per ATM is 129.
SUBSIDIARIES AND JOINT VENTURES

i. CENT BANK HOME FINANCE LIMITED:
Net Owned funds stood at Rs.111.57 crore as on March 31, 2019.
During the year the total advances of the company stood at Rs.1270.79 crore as on March 31, 2019 as against
Rs.1266.09 crore as on March 31, 2018.
The retails deposits and institutional deposits stood at Rs.482.33 crore as on March 31, 2019 as against
Rs.542.84 crore as on March 31, 2018.
The Net Profit of the Company stood at Rs.16.28 crore for the financial year 2018-19 as against Rs.16.84 crore
for financial year 2017-18.
Earnings per Share are Rs.6.51 (Rs.10 per share) [Previous Year Rs.6.73].
NPA stood at Rs.27.97 crore for the year ended March 31, 2019 as against Rs.26.90 crore for the year ended
March 31, 2018.
Net NPA to Net Advances is at 1.26% as on March 31, 2019.
Return on Assets is 1.26%. [Previous year 1.26%].
CAR works out at 17.88% as on 31st March 2019.
ii. CENTBANK FINANCIAL SERVICES LIMITED

Centbank Financial Services Limited is essentially providing Trusteeship Services including Debenture/Security
Trustee, Executor Trustee and Managing Charitable Trusts etc.
The Company is registered with SEBI to undertake Debenture Trusteeship activities.
Financial Update:
The company earned a Net Profit after Tax of Rs.2.70 crore for the year ended 31st March 2019 against Net Profit
of Rs.2.58 crore for the previous year ended 31st March, 2018.
Segment-wise earnings:
247
(Amounts in Rupees)
Particulars FY 2018-19 FY 2017-18
Fees from Executor Trusteeship 43,24,805 34,85,414
Fees from Debenture & Security Trusteeship 2,70,82,673 2,90,70,143
Other income (Interest, Dividend, etc) 2,51,22,941 2,81,65,842
Total 5,65,30,419 6,07,21,398
EPS is Rs.541.00 for FY 2018-19 as against Rs.517.60 for the FY 2017-18.
iii. INDO-ZAMBIA BANK LTD

The Bank’s Joint Venture in Zambia is promoted jointly by Government of Zambia and three India Banks viz.
Central Bank of India, Bank of Baroda and Bank of India. While each of the 3 Indian Banks hold 20% equity, Govt.
of Republic of Zambia holds the balance 40% equity.
Bank’s financial year is the calendar year.
The Bank has been performing well in all parameters and is presently the sixth largest bank in Zambia.
As at the end of December 2018, our Bank is holding total 8,32,00,000 shares of Kwatcha 1 each value.
Deposits of the Bank have increased by 24.21% and advances have increased by 34.00% over the previous year.
Bank has made net profit of Kwacha 139.76 Mio. (Rs. 80.65 Crore) for the calendar year 2018.
iv. Regional Rural Banks :

We have sponsored 3 RRBs as on 31st March, 2019 in 3 states covering 48 districts with a network of 1,629
branches.
(Amount in crore)
Unaudited
Name of RRBs with its HO & State No. of Dist. Total Total Gross NPA Net Profit
& Branches Deposits Advance
Central Madhya Pradesh Gramin 25/455 – – – –
Bank, Chhindwara (MP)#
Uttar Bihar GB. Muzaffarpur (Bihar) 18/1032 15499.85 8101.59 2282.47 16.78
Uttarbanga Kshetriya GB. Coochbehar 5/142 3014.96 1713.47 158.40 10.98
(WB)
Total 48/1629 18514.81 9815.06 2440.87 27.76
#As per Govt. Notification, Central Madhya Pradesh Gramin Bank (CMPGB) is being merged with another RRB
sponsored by Bank of India.
CORPORATE SOCIAL RESPONSIBILITY

CSR is a continuing commitment by business to contribute to economic development while improving the quality of life
of the workforce and their families as well as of the community and society at large.
It is our continuing commitment to donate under CSR through the organization/Trust working for poor, downtrodden
people of society for their upliftment for education, health, natural calamities and overall social welfare of the society
CSR Budget for the financial year 2018-19 was NIL as Bank had incurred loss during the financial year 2017-18.
AWARDS & ACCOLADES

The Bank received the Atal Pension Yojana Award from Department of Financial Services, Ministry of Finance, New
Delhi for Leadership Capital to recognize the performance of Banks and their leadership in promoting the scheme in
various geographical locations of the country.
The Bank was awarded by Indian Bank’s Association (IBA) for Most innovative Product Category
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CORPORATE GOVERNANCE
1) BANK’S PHILOSOPHY OF CORPORATE GOVERNANCE
Thrust of the Corporate Governance of the Bank is to enhance shareholders’ value by pursuing ethical practices
in the conduct of its business and maintaining high standards of disclosure and transparency. The Bank has
adopted best practices and standards of governance that are monitored by various Committees of the Board. The
Board, the Executives and other functionaries have distinctly demarcated roles in achieving the corporate goals –
improved performance and enhanced shareholders’ value.
The equity shares of the Bank are listed at BSE Limited and National Stock Exchange of India Limited. However,
the Bank is not a company but a body corporate under the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and is regulated by the Reserve Bank of India. The Bank complies with the provisions of
corporate governance norms as specified in SEBI (Listing Obligations and Disclosure Requirements) Regulations,
2015 to the extent it does not violate the provisions of the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970, Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 and the
guidelines, directives, etc. issued by Government of India and Reserve Bank of India in this regard.
2) BOARD OF DIRECTORS
A) COMPOSITION OF THE BOARD OF DIRECTORS
The Bank is constituted under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (as
amended from time to time). The general superintendence, direction and management of the affairs and business
of the Bank is vested in the Board of Directors presided over by the Chairman.
The composition of the Board of Directors of the Bank is governed by the provisions of the Banking Regulation
Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 as amended and the
Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, as amended.
During the year under review i.e. 2018-19, the composition of the Board was as under:
Sr. Name Position Held Period No. of Equity Area of Membership / Chairmanship Directorship of Whether
No. (From – To) Shares of the Expertise of Committees of Board of other Companies as attended last
Bank held as Central Bank of India during the on 31.03.2019 AGM held on
on 31.03.2019 Financial year ended 31.03.2019 30.06.2018
Member Chairman
1 Shri Tapan Ray Non- From 23.05.2018 NIL Finance, RMC RMC NIL Yes
Executive Economics, LVFC LVFC
Chairman Technology, SRC SRC
Law, Capital RC RC
HR HR
Markets,
NC NC
Management,
Foreigh
Trade, Public
Policy and
Administration
2. Shri Rajeev Chairman and From 01.08.2013 NIL Banking MCB, MCB, (1) Indo Zambia Bank Yes
Rishi Managing to 22.05.2018 RMC, RMC, Ltd.
Director LVFC, LVFC, (2) Exim Bank
CSC, CSC,
(3) Export Credit
ITS, VIG,
Guarantee
SRC, CAC,
Corporation
VIG, HR,
CAC, MRC, (4) Indian Institute
HR, CRC, of Banking &
MRC, RCNCB, Finance
CRC, CRIWD
RCNCB,
CRIWD
249
Member Chairman
Managing From 23.05.2018 MCB, MCB,
Director to 31.07.2018 RMC, CSC,
and Chief LVFC, VIG,
CSC,
Executive CAC,
ITS,
Officer MRC,
SRC,
VIG, CRC,
CAC, RCNCB,
HR, CRIWD
MRC,
CRC,
RCNCB,
CRIWD
3 Shri Pallav Managing From 21.09.2018 Banking MCB, MCB, (1) Member of the Not a Director
Mohapatra Director RMC, CSC, Governing Board on the date of
and Chief LVFC, VIG, of NIBM AGM
CSC,
Executive CAC, (2) Member of the
ITS,
Officer MRC, Governing Board
SRC,
VIG, CRC, of IIBF
CAC, RCNCB,
(3) Member of the
HR, CRIWD
MRC, Governing Board
CRC, of IIBM, Guwahati
RCNCB,
CRIWD
4. Shri B.K. Executive From 23.01.2014 NIL Banking MCB, NIL Not Applicable Yes
Divakara Director To 22.01.2019 ACB,
RMC,
LVFC,
CSC,
ITS,
SRC,
CAC,
HR,
MRC,
CRC
5. Shri P Ramana Executive From 17.02.2017 NIL Banking MCB, NIL (1) Cent Bank Home Not Attended
Murthy Director ACB Finance Ltd.
RMC,
LVFC, (2) New India
CSC, Assurance Co.
ITS, Ltd.
SRC,
CAC,
HR,
MRC,
CRC
6. Shri B S Executive From 09.10.2017 NIL Banking MCB, NIL Cent Bank Financial Yes
Shekhawat Director RMC, Services Ltd.
LVFC,
CSC,
ITS,
SRC,
CAC,
HR,
MRC,
CRC
250
Member Chairman
7 Shri Alok Executive From 23.01.2019 NIL Banking MCB, NIL NIL Not a Director
Srivastava Director RMC, on the date of
LVFC, AGM
CSC,
ITS,
SRC,
CAC,
HR,
MRC,
CRC
8 Shri Govind Government From 17.08.2017 NIL Finance and ACB, RC, Not Applicable Not a Director
Mohan of India to 14.05.2018 Economics RMC, NC on the date of
Nominee LVFC, AGM
Director RC,
VC,
MRC,
HR,
NC
9 Dr. Bhushan Government From 14.05.2018 NIL Finance and ACB, NIL IFCI No
Kumar Sinha of India Economics RMC,
Nominee LVFC,
Director RC,
VC,
MRC,
HR,
NC,
ITS
10 Shri Shekhar RBI Nominee From 13.03.2014 NIL Banking and MCB, NIL NIL No
Bhatnagar Director Finance ACB,
RC,
VC
11 Shri K.R. Patel Share- From 01.07.2015 163 Chartered MCB, ITS Not Applicable No
holders’ to 30.06.2018 Accountant ITS, SRC
Nominee SRC,
Director RMC,
CSC,
HR,
RCNCB,
CRIWD
12 Shri N Part Time From 21.06.2016 NIL Chartered ACB, ACB NIL Yes
Nityananda Non-official Accountant RMC, ITS
Director LVFC, CC
SRC,
CSC,
NC,
RCNCB,
CRIWD
CC
251
Member Chairman
13 Dr. Atmanand Part Time From 27.12.2017 NIL Economics MC NIL PTC India Ltd. No
Non-official CSC
Director ITS
SRC
MRC
NC
CC
14 Smt. Mini Ipe Shareholder From 01.07.2018 100 Finance MC NIL NIL Not a Director
Director RMC on the date of
SRC AGM
MRC
CC
The Managing Director and Chief Executive Officer and the Executive Directors are whole time Directors of the
Bank.
MCB - Management Committee of the Board
ACB - Audit Committee of the Board
RMC - Risk Management Committee
LVFC - Special Committee of the Board for Monitoring of Large Value Frauds
CSC - Customer Service Committee
ITS - Information Technology Strategy Committee
SRC - Stakeholders Relationship Committee
RC - Remuneration Committee
VIG - Vigilance Committee
CAC - Credit Approval Committee
HR - Human Resources Committee
MRC - Committee of the Board for Monitoring of Recovery
CRC - Capital Raising Committee
NC - Nomination Committee
RCNCB - Review Committee for Declaring Non Co-operative Borrower
CRIWD - Committee to review the Identification of Wilful Defaulter
CC - Compensation Committee
Brief Profile of the New Directors
1. Shri Tapan Ray, Non-Executive Chairman – (D.O.B. 09.09.1957)
Shri Tapan Ray was appointed as Non-Executive Chairman in Central Bank of India by Government of
India with effect from 23.05.2018. Shri Tapan Ray, IAS (Retd.) is enriched with extensive knowledge and
experience in the field of Finance, Economics, Technology, Law, Capital Markets, Management, Foreign
Trade, Public Policy and Administration. Before joining Central Bank of India as Non-Executive Chairman,
Shri Tapan Ray acted as Secretary to Government of India, Ministry of Corporate Affairs after having served
35 years in the Gujarat cadre of the Indian Administrative Service (IAS). He has a Degree in Mechanical
Engineering from the Indian Institute of Technology, Delhi. He is also a Post Graduate in Public Policy from
the Woodrow Wilson School, Princeton University, USA and a Master of Public Administration from the
Maxwell School, Syracuse University, USA. Shri Ray also has Executive Masters in Foreign Trade from Indian
Institute of Foreign Trade, New Delhi. He also holds degrees in Law and International Trade. He has served
in the Ministries of Defence, Textiles, Power, Science & Technology, Information Technology and Planning in
the Government of India. He has been Principal Secretary in the Finance Department in Gujarat. Shri Ray
was also the Managing Director of Gujarat State Petroleum Corporation Ltd. (GSPC) & Gujarat State Petronet
Ltd. (GSPL). He was also on the Board of other GSPC/GSPL Group of Companies. As Secretary (Ministry of
252
Corporate Affairs), he has served on the Board of Securities and Exchange Board of India. Shri Ray is also
the Member of Dispute Resolution Panel constituted by PSU Oil Distribution Companies.
2. Shri Pallav Mohapatra, Managing Director and Chief Executive Officer (D.O.B. 25.02.1961)
Shri Pallav Mohapatra was appointed as Managing Director and Chief Executive Officer in Central Bank
of India by Government of India with effect from 21.09.2018. Shri Mohapatra is M.A. & CAIIB. He started
his career with State Bank of India as a Probationary Officer in 1983. He has handled many important
assignments over three and a half decades in State Bank of India which include Chief Executive Officer, SBI
Cards, Dy. General Manager, Project Management, New Business Corporate Centre, Managing Director SBI
Custodial Services Pvt. Ltd. and Vice President (Credit & Forex), SBI (California) Los Angeles. Before joining
as Dy. Managing Director (Stressed Assets Management Group), he was Chief General Manager, SBI New
Delhi Circle.
3. Shri Alok Srivastava (D.O.B. 22.11.1962)

Shri Alok Srivastava holds Masters degree in Economics & MBA (Finance). He started his career as
Management Trainee in Punjab National Bank in the year 1985. He has more than 33 years of experience
in banking having worked in almost all key segments of banking, in various capacities at Branches,
Administrative Offices, etc.
4. Dr. Bhushan Kumar Sinha, Government of India Nominee Director (D.O.B. 20.07.1964)
Dr. Bhushan Kumar Sinha was appointed as Government of India Nominee Director in Central Bank of India
with effect from 14.05.2018. Dr. Sinha is Ph.D. in Financial Economics from the Department of Financial
Studies, University of Delhi, MBA from the National Graduate School of Management (NGSM), Australian
National University (ANU), Canberra, Australia. Dr. Sinha belongs to the 1993 batch of the Indian Economic
Service and is presently working as Joint Secretary in Department of Financial Services (DFS), Ministry of
Finance, Government of India. Prior to his present assignment as Joint Secretary, he was Economic Adviser
in DFS. Before joining DFS in May 2018, Dr. Sinha had a three years stint as Economic Adviser in the
Department of Investment & Public Asset Management (DIPAM).
5. Smt. Mini Ipe (D.O.B. 19.08.1963)

Smt. Mini Ipe has varied experience in the field of Finance, Marketing and Human Resources and is presently
posted as Zonal Manager, South Central Zonal Office, Life Insurance Corporation of India (LIC), Hyderabad.
She has also held the post of Executive Director (SBU-International operations) in LIC. She was also Director
& CEO – LIC HFL Housing Financial Services Ltd. Smt. Mini Ipe has also worked as Regional Manager,
Estates and P & IR and Secretary, ER & Marketing in LIC.
6. Shri Thomas Mathew (D.O.B. 13.11.1965)

Shri Thomas Mathew was nominated as RBI Nominee Director w.e.f. 26.04.2019 in place of Shri Shekhar
Bhatnagar. Shri Mathew is presently Regional Director, Reserve Bank of India, Jammu.
Details of other Directors

1. Shri P. Ramana Murthy, Executive Director (D.O.B. 16.05.1964)
Shri P Ramana Murthy is a science graduate in Agriculture and CAIIB. He joined Allahabad Bank on
16.01.1989 as Agriculture Field Officer. He get elevated to the post of General Manager on 10.05.2014 and
was functioning as Field General Manager since 19.05.2014 before joining Central Bank of India as Executive
Director w.e.f 17.02.2017. Shri Murthy has undergone many prestigious training programs like Leadership for
Corporate Excellence at Kelloggs School of Management, Chicago, USA and Leadership Excellence at IIM,
Kolkata.
2. Shri B. S. Shekhawat, Executive Director – (D.O.B. 27.06.1962)

Inclusion Department of the Bank. Shri B.S. Shekhawat was appointed as Executive Director in Central
Bank of India by Government of India with effect from 09.10.2017. Shri Shekhawat is an Agriculture Science
graduate with Hons., CAIIB and have completed post graduate certificate course in Management from IIM
Bangalore. He started his career with Central Bank of India in the year 1986 as an Agriculture Finance
Officer. During his long career of 32 years, he has worked in different geographies and locations in branches,
as Regional Head at Jaipur and Ranchi Regions, Zonal Heads at Pune and Delhi Zones. He also headed
253
Human Resources Department of the Bank for two years at its Head Office. Immediately prior to his elevation,
he was heading Priority Sector and Financial
3. Shri Shekhar Bhatnagar, RBI Nominee Director (D.O.B. 17.07.1958)

Shri Bhatnagar is B.Sc., M.A. (Lucknow University) and MBA (Finance) from FMS, New Delhi. He joined
Reserve Bank of India (RBI) in 1984 as Officer (Grade - “B’) and worked in different capacities, in different
departments of RBI like Currency Management, Banking, Department of Banking Supervision and Department
of Non-Banking Supervision. He also worked as Regional Director, Reserve Bank of India in Kanpur, Uttar
Pradesh. He also worked as Chief General Manager-Foreign Exchange Department, Reserve Bank of India,
Central Office, Mumbai. Shri Shekhar Bhatnagar ceased to be the Director of the Bank w.e.f. 26.04.2019.
4. Shri N Nityananda, Non-Official Part Time Director (D.O.B. 20.05.1955)

Shri N Nityananda is a Commerce Graduate, D.B.A., LLB, FCA and Gold Medalist in Post Graduate Diploma
in Business Administration. Shri Nityananda is a professional Chartered Accountant with more than 3 decades
value addition services to clients, Government and Economy. He represented Karnataka at the Southern
India level and National level for nearly 16 years (longest by any Kannadiga). He also represented India at
the International Federation of Accountants (IFAC), New York, USA which is the apex body of Accounting
and Auditing in the world and in the South Asian Federation of Accountants (a member body of SAARC) at
Karachi, Pakistan and chaired the mega international conference on ‘Corporate Governance’. He has served
the Trade, Commerce and Industry at State and National Level including as Advisor of Economic Affairs
Committee, Chairman and Co-advisor of Central Taxes Committee of Federation of Karnataka Chambers
of Commerce and Industry (FICCI). He has also served on several important committees of Government
of Karnataka, Reserve Bank of India (RBI), Securities and Exchange Board of India (SEBI), Insurance
Regulatory and Development Authority (IRDA) and Bureau of Indian Standards (BIS).
5. Dr. Atmanand, Non-Official Part Time Director (D.O.B. 30.06.1959)

Prof (Dr.) Atmanand is the Director (Additional charge) of Management Development Institute, Gurgaon &
Director, Management Development Institute, Murshidabad. He is also a Director on the Board of PTC India
Ltd. He was the Dean and Professor of Economics at MDI, Gurugram. In MDI, he also worked as Dean of the
prestigious MDI School of Energy Management School of Public Policy and Governance and Executive Post
Graduate Programs. He is the founder Dean of MDI Murshidabad. He has been teaching, doing research
and consultancy in the area of economics for more than 30 years. During a brief span of 5 years when the
School of Energy Management was launched with the help of USAID and the Ministry of Power, Government
of Iindia, he has turned the School into a country wide popular place of higher learning. Appreciating his
devotion and involvement, Ministry of Power, Government of India has issued a letter of appreciation
putting on record his efficient and dedicated services. Besides playing a key and decisive role in MDI’s
intellectual and administrative functioning, he has worked as Independent Director on the Board of Steel
Authority of India Limited (SAIL) functioning under the Ministry of Steel, Government of India. Appreciating
his contribution in policy making, the Board of SAIL issued the letter of appreciation in the functioning of Audit
Committee (Chairman), Risk Management Committee (Chairman) and others. He has held various national
responsibilities including his association with Ministry of Ayush (Member), Government of India, Ministry of
Power, Government of India, ATF, Cabinet Secretariat, Government of India and State Finance Commission,
Bihar. Besides doing extensive research, teaching and training he has authored 16 books and many research
papers. His interest in banking sector made him do research and training in this area with emphasis on
project finance, social development and economic environment of business.
B) CONDUCT OF BOARD MEETINGS

During the year, 16 Board Meetings were held on the following dates:
05.05.2018 30.07.2018 13.11.2018 02.02.2019

17.05.2018 10.08.2018 14.11.2018 02.02.2019
25.05.2018 06.09.2018 28.12.2018 25.02.2019
29.06.2018 28.09.2018 18.01.2019 28.03.2019
254
Details of attendance of the Directors at the Board Meetings are:

Name of the Director Attendance Meetings held Period
Recorded during their tenure (From - To)
Shri Tapan Ray 13 14 23.05.2018-31.03.2019
Shri Rajeev Rishi 5 5 01.04.2018–31.07.2018
Shri Pallav Mohapatra 9 9 21.09.2018–31.03.2019
Shri B. K. Divakara 11 12 01.04.2018–22.01.2019
Shri P. R. Murthy 14 16 01.04.2018–31.03.2019
Shri B. S. Shekhawat 16 16 01.04.2018–31.03.2019
Shri Alok Srivastava 4 4 23.01.2019-31.03.2019
Shri Govind Mohan 1 1 01.04.2018–14.05.2018
Dr. B.K. Sinha 10 15 14.05.2018-31.03.2019
Shri Shekhar Bhatnagar 16 16 01.04.2018–31.03.2019
Shri K. R. Patel 4 4 01.04.2018–30.06.2018
Shri N. Nityananda 15 16 01.04.2018–31.03.2019
Prof. (Dr.) Atmanand 16 16 01.04.2018–31.03.2019
Smt. Mini Ipe 9 12 01.07.2018-31.03.2019
3) DETAILS OF SOME OF THE COMMITTEES OF THE BOARD

i) Management Committee of the Board:
The Management Committee of the Board is constituted under The Nationalised Banks (Management and
Miscellaneous Provisions) Scheme, 1970 read with the Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970 and it exercises all the powers vested in the Board in respect of financial sanctions,
compromises/write off proposals and filing of suits/appeals etc. As on 31.03.2019, it comprised 7 members
consisting of the Managing Director and Chief Executive Officer, 3 Executive Directors, Reserve Bank of India
Nominee Director and 2 other Directors which include 1 Shareholders’ Nominee Director and one Part Time
Non-Official Director, one position is vacant. The Part-Time Directors are rotated every six months.
The Management Committee of the Board met 20 times during the year on the following dates:
05.05.2018 27.08.2018 14.11.2018 14.01.2019 27.02.2019
24.05.2018 06.09.2018 30.11.2018 18.01.2019 06.03.2019
29.06.2018 28.09.2018 15.12.2018 02.02.2019 18.03.2019
30.07.2018 01.11.2018 28.12.2018 18.02.2019 27.03.2019
Attendance record of the members is shown below:
Name of the Director Attendance Meetings held Period
Recorded during their tenure (From - To)
Shri B. K. Divakara 13 14 01.04.2018–22.01.2019
Shri P. R. Murthy 16 20 01.04.2018–31.03.2019
Shri K. R. Patel 1 2 01.04.2018–30.06.2018
Prof. (Dr.) Atmanand 20 20 01.04.2018–31.03.2019
Smt. Mini Ipe 11 17 01.07.2018-31.03.2019
255
ii) Credit Approval Committee:

Pursuant to clause 13A of the Nationalised Banks (Management and Miscellaneous Provisions) Scheme,
1970, a Credit Approval Committee of the Board of Directors has been constituted w.e.f. 31.01.2012.
The Committee exercises the powers of the Board with regards to credit proposals upto Rs.400.00 crore,
compromise / write off proposals upto Rs.10.00 crore etc. The Present Committee comprises of Managing
Director and Chief Executive Officer, Executive Directors and General Managers in charge of Risk
Management, Credit, Accounts/Finance and Recovery.
The Credit Approval Committee met 21 times during the year on the following dates:
24.04.2018 20.06.2018 15.11.2018 12.02.2019 29.03.2019
05.05.2018 30.06.2018 30.11.2018 22.02.2019
21.05.2018 16.07.2018 21.12.2018 05.03.2019
06.06.2018 29.09.2018 08.01.2019 14.03.2019
14.06.2018 19.10.2018 30.01.2019 25.03.2019
iii) Audit Committee of the Board

The Audit Committee of the Board (ACB) has been constituted by the Board of Directors as per the guidelines
of the Reserve Bank of India. The ACB provides direction as well as overseeing the operation of the total audit
function of the Bank, which includes the organisation, operationalization and quality control of internal audit and
inspection within the Bank and follow-up on the statutory/external audit of the Bank and inspections conducted by
RBI. The terms of reference to the Audit Committee are:
Reviewing, in respect of Internal Audit, the Internal Inspection/Audit function in the Bank, with specific focus
on the follow-up on inter-branch adjustment accounts, un-reconciled long outstanding entries in inter-bank
accounts and nostro accounts, arrears in balancing of books, frauds and all other major areas of house-
keeping;
Obtaining and reviewing half-yearly reports from the Compliance Officers appointed in the Bank in terms of
the instructions of the RBI;
Reviewing the scope of the independent audit including the observations of the auditors and reviewing the
quarterly, half-yearly and annual financial statements before submission to the Board;
Following up in respect of Statutory Audits, on all the issues raised in the Long Form Audit Report (LFAR) and
interacting with the External Auditors before finalization of the quarterly/half yearly/annual financial accounts
and reports;
Reviewing regularly the accounts, accounting policies and disclosures;
Reviewing the major accounting entries based on exercise of judgment by management and reviewing any
significant adjustments arising out of the audit;
Qualifications in the Draft Audit Report;
To have post-audit discussions with the Auditors to ascertain any area of concern;
Establishing the scope and frequency of Internal Audit, reviewing the findings of the Internal Auditors and
ensuring the adequacy of internal control systems;
Compliance with the Stock Exchanges’ legal requirements concerning financial statements, to the extent
applicable;
Such other matters as may from time to time be required by any statutory, contractual or regulatory
requirements to be attended to, by the Audit Committee.
The Audit Committee of the Board comprise of Executive Director in charge of Central Audit and Inspection,
Government of India Nominee Director, Reserve Bank of India Nominee Director and two non-official non-
executive directors, at least one of them should be a Chartered Accountant. Directors from staff will not be
included in the ACB. As on 31.03.2019, one position remains vacant in the ACB as there is no eligible member to
be nominated in the Committee.
256
Composition of the Audit committee as on 31.03.2019 is as under:

1 Shri N. Nityananda Chairman
2 Shri P.R. Murthy Member
3 Dr. Bhushan Kumar Sinha Member
4 Shri Shekhar Bhatnagar Member
During the year, the Audit Committee met 11 times on the following dates:
17.05.2018 13.07.2018 28.09.2018 14.11.2018 02.02.2019 11.03.2019
25.05.2018 30.07.2018 13.11.2018 18.01.2019 06.03.2019
The attendance record of the members is shown below:

Name of Directors Attendance Meetings held Period on the Audit
Record during their tenure Committee (From – To)
Shri B.K. Divakara 08 08 01.04.2018–22.01.2019
Shri P. R. Murthy 03 03 01.04.2018–31.03.2019
Dr. B.K. Sinha 05 11 14.05.2018-31.03.2019
Unaudited quarterly results of the Bank and audited results for the year were reviewed by the Audit Committee of
the Board and placed before the Board of Directors for approval.
iv) Risk Management Committee

Risk Management Committee was constituted by the Board vide Reserve Bank of India circular DBOD
NO.DP(SC)BC/98/21.04.103/39 dated 7th October, 1999 and vide Board Agenda N.BM/01/2002-03/3.2 of
meeting dated 20.04.2002 and based on the suggestions of Dr. Ganguly Group report set up by the Reserve
Bank of India. The committee comprises of Chairman, Managing Director and Chief Executive Director, Executive
Directors, Government of India Nominee Director and Two Non Official Part Time Directors. The Part-Time Non-
Official Directors are rotated after every one year.
The objective of Risk Management Committee of the Board is to evaluate overall risks faced by the Bank and
determining the level of risks which will be in the best interest of the Bank and to coordinate with the other risk
managing entities to identity, monitor and measure the risk arising out of the Bank’s operations.
The Committee met 4 times during the year on the following dates:
29.06.2018 28.09.2018 28.12.2018 27.03.2019

Name of the Director Attendance Meetings held Period (From - To)
Recorded during their tenure
Shri Tapan Ray 4 4 23.05.2018-31.03.2019
Shri B. K. Divakara 2 3 01.04.2018–22.01.2019
Shri P. R. Murthy 3 4 01.04.2018–31.03.2019
Dr. B.K. Sinha 1 4 14.05.2018-31.03.2019
Shri K. R. Patel 1 1 01.04.2018–30.06.2018
Prof. (Dr.) Atmanand 3 3 01.04.2018–31.03.2019
Smt. Mini Ipe 1 2 01.07.2018-31.03.2019
257
v) Remuneration Committee and Remuneration of Directors:

The Remuneration Committee of the Board was constituted as per Ministry of Finance Communication
F.No.20/1/2005-B0-I dated 09.03.2007 read with communication No. 16/65/2011-BO.I dated 21.02.2012 for
payment of performance-linked incentive to Whole-time Directors. The Committee consists of Non-Executive
Chairman, Government of India, Reserve Bank of India Nominee Director and two other Directors. During the
Financial Year 2018-19, no meeting of the Remuneration Committee was held to consider performance linked
incentive to Whole-time Directors.
The Non Official Independent Directors / Non- Executive Directors were paid sitting fees of Rs.20,000 up
to 17.01.2019 and thereafter Rs.40,000 for attending every meeting of the Board of Directors and similarly,
Rs.10,000 up to 17.01.2019 and thereafter Rs.20,000 for attending every meeting of various Sub-Committees
of the Board. Sitting fees is not being paid to the Managing Director and Chief Executive Officer, Executive
Directors and Directors who are officials of Government of India / Reserve Bank of India. Reserve Bank of
India Nominee Director was paid sitting fees with effect from 1st August 2018 as he was superannuated
from Reserve Bank of India on 31.07.2018. For Chairing the meetings of Board of Directors and Committees
thereof, an additional sitting fee of Rs.10,000 and Rs.5,000 respectively were paid.
During the financial year 2018-19, the following amounts have been paid to the Managing Director and Chief
Executive Officer and Executive Directors as total salary, allowances and perks as under:
Sr. Name Rupees in lacs

1 Shri Pallav Mohapatra (MD & CEO) 14.68
2 Shri Rajeev Rishi (CMD / MD & CEO) 39.50
3 Shri B. K. Divakara (ED) 46.55
4 Shri P. R. Murthy (ED) 24.98
5 Shri B. S. Shekhawat (ED) 24.47
6 Shri Alok Srivastava (ED) 4.60
During the year under review, the Bank has paid Rs.19,10,000/- (Rupees Nineteen Lakh Ten Thousand
only) to the eligible Directors towards sitting fees for attending Board Meetings and Rs.19,95,000/- (Rupees
Nineteen Lakh Ninety Five Thousand only) towards attending the Sub-Committee Meetings of the Board.
vi) Nomination Committee:

In terms of the RBI Circulars nos. DBOD.No.BC.No.46 & 47/29.39.001/2007-08 dated November 01, 2007 read
with DBOD.No.BC.No.95/29.39.001/2010-11 dated May 23, 2011, Nomination Committee of the Bank has been
constituted to undertake the process of due diligence to determine the ‘fit and proper’ status of existing elected
director(s)/the person to be elected as a director under Sec 9 (3)(i) of the Act (i.e. Shareholder Director) based
on the broad criteria i.e. (i) Educational qualification, (ii) Experience and field of expertise & (iii) Track record and
integrity.
During the financial year 2018-19, meeting of the Nomination Committee was held on 17.05.2018 to determine
the fit & proper criteria of Shareholder Director Shri Ketul R. Patel and the committee accorded ‘fit and proper
status’ to Shri Ketul R. Patel who had been elected as a Shareholder Director under Sec 9(3)(i) of the Banking
Companies (Acquisition and Transfer of Undertakings) Act, 1970 for a period of three years w.e.f. 1st July, 2015 to
30th June, 2018. Another meeting of the Committee was held on 18th June, 2018 whereby ‘Fit and Proper’ status
was accorded to Smt. Mini Ipe for her election as Shareholder Director on the Board of the Bank.
vii) Stakeholders’ Relationship Committee

In compliance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with the
Listing Agreements entered into with stock exchanges, the Bank is having Stakeholders’ Relationship Committee
to specifically look into the mechanism of redressal of grievances of the shareholders, debenture holders and
other security holders including complaints related to transfer of shares, non-receipt of Annual Report, non-receipt
of declared dividends, etc. All the references/ complaints received from the investors during the year have been
replied/ redressed till date. Investors’ grievances are normally attended to within seven days, on receipt of the
relevant information. The Committee comprises of Chairman, Managing Director and Chief Executive Officer,
Executive Directors and two Independent Directors. Shri Ketul Patel was Chairperson of Stakeholders Relationship
258
Committee (SRC) till 5th May 2018. However, pursuant to the appointment of Non-Executive Chairman, Chairman
of the Committee is the Non-Executive Chairman. The Part-Time Non-Official Directors are rotated after every one
year.
The Committee met 4 times during the year on the following dates:
05.05.2018 30.07.2018 13.11.2018 18.01.2019

Name of Directors Attendance Meetings held Period on the Committee
Record during their tenure (From - To)
Shri Ketul Patel 1 1 01.04.2018–30.06.2018
Shri Tapan Ray 3 3 23.05.2018-31.03.2019
Shri B.K. Divakara 4 4 01.04.2018–22.01.2019
Shri P.R. Murthy 4 4 01.04.2018–31.03.2019
Shri B.S. Shekhawat 4 4 01.04.2018–31.03.2019
Prof. (Dr.) Atmanand 4 4 05.05.2018–31.03.2019
Smt. Mini Ipe 1 1 28.12.2018-31.03.2019
The details of Investor Grievances for the year 2018-19 (from 01.04.2018 to 31.03.2019) is as under:
1 Grievances pending at the beginning of the year Nil
2 Letters for Non Receipt of Share Certificate(s)/Non receipt of shares 01
3 Non Receipt of Dividend Warrants 25
4 Non Receipt of Annual Report/EGM Notice 40
5 Non Receipt of Refund Order 01
6 Non Receipt of Rejected DRF’s 01
7 Others (NSE, BSE, SEBI) 05
8 Total Grievances received 73
9 Total Grievances attended/resolved 73
10 Total complaints pending at the end of the year Nil
We confirm that no investors’ complaints remained un-attended/pending for more than 30 days.
4) Compliance Officer
Shri Anand Kumar Das, Deputy General Manager-MBD/Company Secretary is the Compliance Officer of the Bank in
terms of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015
for Equity Shares and Non-convertible Debt Securities issued by the Bank and listed at Stock Exchanges besides
acting as the Compliance Officer for activities pertaining to Bankers to issue and Debenture Trustee Activities.
5) Proceeds from Public Issues, Right Issues, Preferential Issues, etc.

During the financial year 2018-19, Bank has raised Rs.6592.00 crore equity capital (including Rs.2354 crore received
by the Bank on 19-09-2018, Rs.1678 crore received by the Bank on 31-12-2018 and Rs.2560 crore received by the
Bank on 21-02-2019) by issuance and allotment of 142,90,45,682equity shares (comprising of 35,43,57,970 equity
shares at an issue price of Rs.66.43 per equity share including premium of Rs.56.43 per equity share aggregating
to Rs.2354 crore, 38,74,39,390 equity shares at an issue price of Rs.43.31per equity share including premium of
Rs.33.31 per equity share aggregating to Rs.1678 crore and 68,72,48,322 equity shares at an issue price of Rs.37.25
per equity share including premium of Rs.27.25 per equity share aggregating to Rs.2560 crore of the face value of
Rs.10 each aggregating to Rs.6592 crore to President of India (Government of India) on preferential basis.
259
Bank has also raised Equity Capital from eligible employees under the Employee Stock Purchase Scheme (ESPS)
aggregating to Rs.212,53,38,048 at an issue price of Rs.27 per equity share including premium of Rs.17 per equity
share. The money is kept in the Share Application Money account, Allotment for which is pending.
Bank has raised Rs.500.00 Crore by issuance and allotment of Non-Convertible Redeemable Unsecured Basel III
compliant Tier 2 Bonds (Series-III) in the nature of promissory notes of the face value of Rs.10.00 Lakh each on
private placement basis and have allotted 5000 bonds of Rs.10.00 Lakh each.
The funds are raised with the primary objective of augmenting Tier-I and Tier-II Capital for strengthening capital
adequacy ratio and for enhancing the long-term resources of the Bank. The funds raised, are being utilized for the
above purpose.
6) Means of Communications
The quarterly financial results (unaudited but subject to limited review by Statutory Auditors) and audited Annual
Results were normally published in English, Hindi, Marathi and many regional languages in various leading
newspapers, such as, Economic Times, Financial Express, Business Standard, Pudhari (Marathi), etc. The results
were also uploaded on the Bank’s website at www.centralbankofindia.co.in.
7) Code of Conduct
The Bank has adopted a Code of Conduct for the Board of Directors and Senior Management has been approved
by the Board of Directors. Text of the same is available on website of the Bank i.e. www.centralbankofindia.co.in
under the link “Investor Relations”. All the Directors and Senior Management have affirmed their Compliance of
code of conduct during the year under review and a certificate affirming the compliance is given in Annexure I.
The Bank has also framed a Code of Conduct for its Directors and designated employees for prevention of insider
trading in Bank’s security, copy of the same is also available on website of the Bank i.e. www.centralbankofindia.
co.in under the link “Investor Relations”.
8) Other Disclosures
Other than those in the normal course of banking business, the Bank has not entered into any materially
significant transaction with its promoters, directors or the management, their subsidiaries or relatives etc. that may
have potential conflict with the interests of the Bank at large. There was no pecuniary relationship or transactions
of the Non-Executive Directors vis-à-vis the Bank during the year.
It is an established practice in the Bank that the Directors do not take part in the deliberations of the Board and
other Sub-Committees of the Board, when matters relating to them or to their relatives are discussed. During
the year, there was no materially significant related party transactions that may have potential conflict with the
interests of the Bank at large.
The Bank has complied with applicable rules and regulations prescribed by RBI, SEBI, Stock Exchanges or any
other statutory authority relating to Capital Market. No penalties or strictures were imposed on the Bank by any
of the Stock Exchanges, SEBI or any statutory Authority on any matter relating to capital markets during the year
under review.
Bank follows Central Vigilance Commission Guidelines on Whistle Blower complaints under Public Interest
Disclosure and Protection of Informers (PIDPI) resolution. Bank also has a web based portal in the name of
“Cent Vigil” to facilitate reporting malpractices by employees without revealing their identities which would be
known to the Chief Vigilance Officer only. This helps to curb malpractices, prevent frauds and boost up morale of
the employees. “Cent Vigil” is also available for Directors. Further, Directors and Employees may also approach
Chairman of the Audit Committee subject to his/her prior approval on need basis. During the year 2018-19, no
personnel has approached the Audit Committee on the subject-matter. This is further to affirm that no personnel
has been denied access to the Audit Committee.
The Bank has complied with the stipulated requirement of SEBI (Listing Obligations and Disclosure Requirements)
regulations, 2015 read with Listing Agreement to the extent that the requirements of these regulations and
agreements do not violate the provision of Banking Regulation Act, 1949, Banking Companies (Acquisition and
Transfer of Undertaking) Act, 1970 and Nationalised Banks (Management and Miscellaneous Provisions) Scheme,
1970 and guidelines, provisions, regulations or directives issued by Reserve Bank of India.
260
Policy for determining ‘material’ subsidiaries is available on website of the Bank i.e. www.centralbankofindia.co.in
under the link “Investor Relations”
Policy on dealing with related party transactions is available on website of the Bank i.e. www.centralbankofindia.
co.in under the link “Investor Relations”.
9) Discretionary Requirements (Part E of Schedule II of SEBI Listing Regulations)

Sr. No. Non-mandatory Status of Implementation
1. Non-executive Chairman to maintain Yes, implemented
Chairman’s Office at entity’s expense.
2. Half-yearly declaration of financial The Bank has sent financial results for the half year ended
performance including summary of 30.09.2018 and the financial year ended 31.03.2019 to Stock
significant events in last six months to Exchanges & published in Newspapers. Besides this, the
be sent to shareholders. financial results were also posted on Bank’s website i.e. www.
centralbankofindia.co.in
3. Company may move towards regime The Bank is having unqualified financial statements
of unqualified financial statements
4. Separate posts of Chairman and CEO The Bank is having separate posts of Chairman and MD & CEO.
Composition of the Board of the Bank is governed under Banking
Companies (Acquisition and Transfer of Undertakings) Act,
1970 (the Act) read with Nationalised Banks (Management and
Miscellaneous Provisions) Scheme, 1970.
5. Reporting of Internal Auditor Internal Auditor is accountable to the Audit Committee of the Board.
10) General Shareholder Information

12th Annual General Meeting of the Bank:
Day and Date: Friday, 28th June, 2019 at 12:00 Noon at 9th Floor at the Head Office of the Bank situated at
‘Chandermukhi’, Nariman Point, Mumbai- 400 021.
1. The Annual General Meeting is relevant for the financial year 2018-19
2. Date of Book Closure: 25th June, 2019 to 28th June, 2019 (Both days inclusive)
3. No dividend was recommended for the financial year 2018-19.
11) Details of General Body Meetings held during the last three years are given herein below:
Sr. No. Nature of Meeting Date & Time Venue
1. Eleventh Annual General Meeting 30th June, 2018 9th Floor, Chandermukhi,
11:00 AM Nariman Point, Mumbai – 400 021
2. Tenth Annual General Meeting 30th June, 2017 9th Floor, Chandermukhi,
3. Ninth Annual General Meeting 30th June, 2016 9th Floor, Chandermukhi,
12) Listing on Stock Exchanges:

The shares of the Bank are listed on BSE Limited and National Stock Exchange of India Limited. The scrip codes are
as follows:
BSE Ltd. (BSE) 532885

National Stock Exchange of India Ltd. (NSE) CENTRALBK
ISIN Number INE483A01010
Annual Listing fee for 2019-20 has been paid to both the stock exchanges.
261
The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes (Tier-II Capital) from time to
time. The relevant outstanding details thereof are as under:
Central Bank of India Tier-II Bonds - Capital position as on 31.03.2019

Series Particulars Issue date Total Value ISIN
(` in crores)
Lower Tier II-Series XIV 21.12.2011 500.00 INE483A09245
Upper Tier II-Series III 23.06.2009 500.00 INE483A09203
Upper Tier II-Series IV 20.01.2010 500.00 INE483A09211
Upper Tier II-Series V 11.06.2010 1000.00 INE483A09229
Upper Tier II-Series VI 21.01.2011 300.00 INE483A08015
Basel III Complaint Sr I 08.11.2013 1000.00 INE483A09260
Basel III Complaint Sr II 07.03.2017 500.00 INE483A09278
Basel III Complaint Sr III 29.03.2019 500.00 INE483A09286
Total 4800.00
All these bonds are listed on BSE Ltd. The Bank has paid the Annual Listing fee for 2019-20 to the Exchange.
Market Price Data:

The monthly high and low quotation and the volume of shares traded on NSE (with comparison of share price of Bank
with NSE Nifty) are as under:
NSE
Month High Price (`) Low Price (`) No. of Shares NSE Nifty
High Low
April 2018 71.35 69.30 1936941 10739.35 10128.40
May 2018 73.55 66.25 8235596 10806.60 10430.35
June 2018 83.35 68.15 11675618 10856.70 10589.10
July 2018 72.55 67.45 24813680 11356.50 10657.30
August 2018 69.45 67.80 4446766 11738.50 11244.70
September 2018 68.60 41.15 28949290 11589.10 10930.45
October 2018 40.70 27.45 28444637 11008.30 10030.00
November 2018 32.25 29.00 10127303 10876.45 10380.45
December 2018 36.65 28.10 22751703 10967.30 10488.45
January 2019 37.25 31.05 18742691 10961.85 10651.80
February 2019 31.85 28.40 8992800 11069.40 10604.35
March 2019 35.65 31.05 21910030 11623.90 10863.50
The monthly high and low quotation and the no. of shares traded on BSE (with comparison of share price of Bank with
Sensex) are as under:
BSE
Month High Price (`) Low Price (`) No. of Shares SENSEX
High Low
April 2018 71.80 69.15 4030663 35213.3 32972.56
May 2018 73.20 65.90 1112879 35993.53 34302.89
June 2018 83.10 68.35 844000 35877.41 34784.68
July 2018 72.20 67.30 4053427 37644.59 35106.57
262
BSE
Month High Price (`) Low Price (`) No. of Shares SENSEX
High Low
August 2018 69.25 67.80 453083 38989.65 37128.99
September 2018 68.65 41.10 2297225 38934.35 35985.63
October 2018 40.70 27.50 4547268 36616.64 33291.58
November 2018 32.40 28.95 1316306 36389.22 34303.38
December 2018 36.70 28.15 3897812 36554.99 34426.29
January 2019 37.20 30.90 1863304 36701.03 35375.51
February 2019 31.75 28.45 2055325 37172.18 35287.16
March 2019 36.50 31.25 2900534 38748.54 35926.94
13) Share Transfers and Redressal of Shareholders’/Investors’ Grievances:

Share Transfers, Refund Order, Dividend payments and all other investor related activities are attended to and
processed at the office of our Registrar and Transfer Agents. For lodgment of any of these documents and for queries/
complaints/ grievances, shareholders/ investors are requested to contact the Registrars at the following address:
Link Intime India Pvt. Ltd.
C-101, 247 Park,
LBS Marg, Vikhroli (West),
Mumbai – 400 083
Tel: 022-49186270
Fax: 022-49186060
Email Id: rnt.helpdesk@linkintime.co.in
Address for correspondence with the Bank:

DGM / Company Secretary and Compliance officer
Central Bank of India,
9th Floor, Chandermukhi,
Nariman Point, Mumbai 400 021
Contact No. 022- 6638 7818
Fax No.: 022- 2283 5198
Email id: agmcompsec@centralbank.co.in; investors@centralbank.co.in
14) DISTRIBUTION OF SHAREHOLDING

i) Distribution of shareholdings as on 31.03.2019
DISTRIBUTION OF SHAREHOLDING (SHARES)
Shareholding of Number of Percentage of Shares Percentage of
Shares shareholders Total Total
1-500 130082 91.4595 152722270.00 0.3774
501-1000 6754 4.7487 53312310.00 0.1317
1001-2000 2848 2.0024 42953020.00 0.1061
2001-3000 942 0.6623 24121620.00 0.0596
3001-4000 404 0.2840 14500590.00 0.0358
4001-5000 291 0.2046 13730720.00 0.0339
5001-10000 461 0.3241 33829510.00 0.0836
10001 and above 447 0.3143 40136844330.00 99.1718
Total 142229 100.00 40472014370.00 100.00
263
ii) Share Holding of persons belonging to the category “Public” and holding more than 1% of the total
number of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY “PUBLIC” AND
HOLDING MORE THAN 1% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder No. of Shares %
Life Insurance Corporation of India 262883360 6.4954
iii) Share Holding of persons belonging to the category “Public” and holding more than 5% of the total
number of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY “PUBLIC” AND
HOLDING MORE THAN 5% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder No. of Shares %
Life Insurance Corporation of India 262883360 6.4954
iv) Shareholding pattern as on 31.03.2019
SHAREHOLDING PATTERN AS ON 31.03.2019
Category of Shareholders No. of Shares No. of Shareholders Total % of
Demat Physical Demat Physical Shares holding
Central Government * 3691169652 0 1 0 3691169652 91.2030

Clearing Member 5968134 0 396 0 5968134 0.1475
Other Bodies Corporate 21623101 90 712 1 21623191 0.5343
Directors 163 0 1 0 163 0.0000
Financial Institutions 262883360 0 14 0 262883360 6.4954
Government Companies 700 0 1 0 700 0.0000
Hindu Undivided Family 1641660 0 3761 0 1641660 0.0406
Mutual Funds 793649 0 4 0 793649 0.0196
Nationalized Banks 244876 0 4 0 244876 0.0061
Non Nationalized Banks 240860 0 4 0 240860 0.0060
Non Resident Indians 627834 121600 693 1 749434 0.0185
Non Resident (Non Repatriable) 282259 0 432 0 282259 0.0070
Public 44988097 6050 136048 98 44994147 1.1117
Trusts 101658 0 11 0 101658 0.0025
G I C & Its Subsidiaries 6531875 0 4 0 6531875 0.1614
Foreign Portfolio Investor (Corporate) 9930524 0 34 0 9930524 0.2454
NBFCs registered with RBI 45295 0 9 0 45295 0.0011
Total 4047073697 127740 142129 100 4047201437 100
*As on 28.03.2019, the Bank allotted 68,72,48,322 equity shares in dematerialized mode to President of India
(Government of India) on preferential basis which got listed and admitted to dealings on BSE & NSE w.e.f.
11.04.2019.
v) Statement showing details of locked-in shares

Sr. Name of the Number of locked-in shares Locked-in shares as a percentage
No. Shareholder of total number of shares (i.e.
Grand Total of (A) + (B) + (C)
1 PRESIDENT OF INDIA 3691169652 91.2030
TOTAL 3691169652 91.2030
264
vi) Statement showing details of Depository Receipts (DRs)

Sr. Type of Number of Number of shares Shares underlying outstanding
No. outstanding DR outstanding DRs underlying DRs as a percentage of total
(ADRs, GDRs, outstanding DRs number of shares (i.e. Grand Total
SDRs, etc) of (A) + (B) + (C)
NIL NIL NIL NIL
vii) Statement showing holding of Depository Receipts (DRs) where underlying shares are in excess of 1% of
the total number of shares.
Sr. Name of the DR Type of Number of shares Shares underlying outstanding
No. holder outstanding DR underlying DRs as a percentage of total
(ADRs, GDRs, outstanding DRs number of shares (i.e. Grand Total
SDRs, etc) of (A) + (B) + (C)
NIL NIL NIL NIL
viii) Dematerialization of Shares

The Bank’s shares are being traded compulsorily in Demat form. The Bank had already entered into agreements
with both the Depositories viz., National Securities Depositories Limited (NSDL) and Central Depository Services
(India) Ltd. (CDSL) for dematerialization of shares.
Particulars of shares in Demat and Physical form held by shareholders as on 31.03.2019 are as under:
No. of shareholders No. of shares % shareholding

Physical 100 127740 0.003
NSDL 85468 321741261 7.950
CDSL* 56661 3725332436 92.047
Total 142229 4047201437 100.00
*As on 28.03.2019, the Bank allotted 68,72,48,322 equity shares in dematerialized mode to President of India
(Government of India) on preferential basis which got listed and admitted to dealings on BSE & NSE w.e.f.
11.04.2019.There are no outstanding GDRs / ADRs /warrants or any convertible instruments.
ix) Shares in Unclaimed Suspense Account:

In terms Clause 5A of Listing Agreements, the Shares outstanding in “Unclaimed Suspense Account” as on 31st
March, 2019 are as under:
Sr. Particulars Aggregate Aggregate
No. number of outstanding
Shareholders Shares
(i) Aggregate number of shareholders and the outstanding shares lying 233 32,853
in the Unclaimed Suspense Account at the beginning of the year
(ii) Number of shareholders who approached the issuer for transfer of NIL NIL
shares from Unclaimed Suspense Account during the year
(iii) Number of shareholders to whom shares were transferred from the NIL NIL
Unclaimed Suspense Account during the year
(iv) Aggregate number of shareholders and the outstanding shares lying 233 32,853
in the Unclaimed Suspense Account at the end of the year
265
Certificate of Compliance of mandatory stipulations of Corporate Governance

The certificate issued by the statutory auditors of the Bank, in compliance of mandatory stipulations of Corporate
Governance as per SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 read with the Listing
Agreement entered into, with the Stock Exchange is attached.
---------------------------------------------------------------------------------------------------------------------------------------------------------------------
ANNEXURE I
Declaration of Compliance with Code of Conduct
I confirm that all Board Members and Senior Management have affirmed Compliance
with the Bank’s Code of Conduct for the financial year 2018 -19.
Place : Mumbai
Date : May 22, 2019
Sd/-
[Pallav Mohapatra]
Managing Director and Chief Executive Officer
---------------------------------------------------------------------------------------------------------------------------------------------------------------------
266
CERTIFICATE UNDER REGULATION 17(8) OF

SEBI (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS)
REGULATIONS, 2015
The Board of Directors

This is to certify that:

a. We have reviewed Financial Statements and the Cash Flow Statement of Central Bank of India for the year 2018-19
and to the best of our knowledge and belief:
I. These Statements do not contain any material untrue statement or omit any material fact or contain statements
that might be misleading
II. These Statements together, present a true and fair view of the Bank’s affairs and are in compliance with existing
Accounting Standards, applicable law and regulations.
b. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the financial year
2018-19, which are fraudulent, illegal or violative of the Bank’s code of conduct.
c. We accept responsibility for establishing and maintaining internal controls for the financial reporting and that we have
evaluated the effectiveness of the internal control systems of the Bank pertaining to financial reporting and we have
disclosed to the auditors and the Audit Committee, deficiencies in the design or operation of such internal controls, if
any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies.
d. We have indicated to the auditors and the Audit Committee:
I. Significant changes in internal control over financial reporting during the financial year 2018-19.
II. There are no significant changes in accounting policies during the financial year 2018-19 and the same have been
disclosed in the notes to the financial statements and,
III. Instances of significant fraud of which we have become aware and the involvement therein, if any, of the
Management or any employee having a significant role in the Bank’s Internal Control System over financial
reporting.
(B.K.SINGAL) (PALLAV MOHAPATRA)

General Manager & CFO Managing Director & CEO
Place : Mumbai
Date : May 15, 2019
267
CERTIFICATE
To the Members of Central Bank of India
We have examined the compliance of conditions of Corporate Governance by Central Bank of India for the year ended on
31st March, 2019 as stipulated in SEBI (Listing Obligations & Disclosure Requirement) Regulation 2015.
The Compliance of conditions of corporate governance is the responsibility of the Management. Our examination was
limited to procedures and implementation thereof, adopted by Central Bank of India for ensuring the compliance of the
conditions of the Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of
Central Bank of India.
In our opinion and to the best of our information and according to the explanations given to us, we certify that Central Bank
of India has complied with the conditions of Corporate Governance as stipulated in the above mentioned Regulations.
We further state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or
effectiveness with which the management has conducted the affairs of Central Bank of India.
For S. K. MEHTA & CO. For BORKAR & MUZUMDAR

CHARTERED ACCOUNTANTS CHARTERED ACCOUNTANTS
F.R. No.000478N F.R. No. 101569W
(CA JYOTI BAGGA) (CA DARSHIT DOSHI)

PARTNER PARTNER
M.No.087002 M.No.133755
For MUKUND M CHITALE & CO For AAJV AND ASSOCIATES

F.R. No.106655W F.R. No.007739N
(CA A.V.KAMAT) (CA DEEPAK GARG)

PARTNER PARTNER
M.No.039585 M.No.093348
Place : Mumbai
Date : 15th May 2019
268
S.K.MEHTA& CO BORKAR & MUZUMDAR

Chartered Accountants Chartered Accountants
302-306, Pragati Towers, 21/168, Anand Nagar Om CHS,
26, Rajendra place, Anand Nagar Lane, Vakola,
NEW DELHI-110008 MUMBAI-400055
MUKUND M CHITALE & CO AAJV AND ASSOCIATES

II Floor, Kapur House, Paranjape ‘B’ Scheme, LGF-C-73,Lajpat Nagar-II,
Road No. 1,Vile Parle East, New Delhi-110024
Mumbai-400057
INDEPENDENT AUDITORS’ REPORT
To
The Members of Central Bank of India
Report on Audit of the Standalone Financial Statements

Opinion
1. We have audited the accompanying Standalone Financial Statements of Central Bank of India (‘the Bank’) which
comprise the Balance Sheet as at March 31, 2019, the Profit and Loss Account and the Cash Flow Statement for the
year then ended, and notes to the Standalone Financial Statements, including a summary of significant accounting
policies and other explanatory information in which are included the Returns for the year ended on that date of 20
branches audited by us and 2549 branches audited by other statutory auditors. The branches audited by us and those
audited by other auditors have been selected by the bank in accordance with the guidelines issued to the bank by
the Reserve Bank of India. Also included in the Balance sheet and Profit and Loss Account are the returns from 2090
branches which have not been subjected to audit. These Unaudited branches account for 9.75 percent of advances,
27.61 per cent of deposit, 5.90 per cent of interest income and 25.17 per cent of Interest expenses.
2. In our opinion and to the best of our information and according to the explanations given to us, the aforesaid
Standalone Financial Statements give the information required by the Banking Regulation Act, 1949 in the manner so
required for bank and are in conformity with the accounting principles generally accepted in India and give:
a. true and fair view in case of the Balance sheet, of the state of affairs of the Bank as at March 31, 2019;
b. true balance of loss, in case of Profit and Loss account for year ended on that date; and
c. true and fair view of cash flows in case of the Cash Flow Statement for the year ended as on that date.
Basis for Opinion

3. We conducted our audit in accordance with the Standards on Auditing (SAs) issued by Institute of Chartered
Accountants of India (ICAI). Our responsibilities under those Standards are further described in the Auditors’
Responsibilities for the Audit of the Standalone Financial Statements section of our report. We are independent of the
Bank in accordance with the Code of Ethics issued by the ICAI together with the ethical requirements that are relevant
to our audit of the Standalone Financial Statements under the provisions of the Banking Regulation Act, 1949 and
we have fulfilled our other ethical responsibilities in accordance with these requirements and the Code of Ethics. We
believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.
Key Audit Matters

4. Key audit matters are those matters that, in our professional judgment, were of most significance in our audit of the
Standalone Financial Statements for the year ended March 31, 2019. These matters were addressed in the context
of our audit of the Standalone Financial Statements as a whole, and in forming our opinion thereon, and we do not
provide a separate opinion on these matters. We have determined the matters described below to be the key audit
matters to be communicated in our report.
269
Key Audit Matters Auditors’ Response
1. Loans & Advances Our audit approach included testing the design, operating
Identification and provisioning of Non performing effectiveness of internal controls and substantive audit
advances made in accordance with the prudential procedures in respect of income recognition, asset
norms prescribed by Reserve Bank of India on Income classification and provisioning pertaining to advances. In
recognition, Asset Classification and provisioning particular:
pertaining to Advances. (refer Schedule 9 read with Note • we have evaluated and understood the Bank’s
5 of Schedule 17 to the financial statements) internal control system in adhering to the relevant
Advances comprise a substantial portion of the Bank’s RBI guidelines regarding income recognition,
total assets. The management exercises significant asset classification and provisioning pertaining to
judgment in the asset classification and provisioning. advances;
and valuation of the security involves high degree of • we have analyzed and understood key IT systems/
estimation and judgment, the carrying value of the applications used operational effectiveness of
advances could be materially misstated either individually relevant controls, including involvement of manual
or collectively, and in view of the materiality of advances process and manual controls in relation to income
to the total assets, the classification of the advances recognition, asset classification and provisioning
and provisioning thereon has been considered by us as pertaining to advances ;
a key audit matter. Identification of such non-performing
advances is carried out in the Bank, based on system In order to ensure the effectiveness of the operation of
identification, by the Core Banking Solution (CBS) the key controls and compliance to the directions of the
software in operation based on the various controls and RBI in this regards, we have verified whether both CBS
logic embedded therein. system and the management have,
The management also exercises significant judgment in (a) timely recognised the depletion in the value of
adherence to the IRAC norms and adequate provisioning available security;
in required cases.
(b) made adequate provisioning based on such time
to time monitoring and identification of asset
classification.
We placed reliance upon the Independent Auditors’
Report of the Statutory Branch Auditors’ as well as all
MOCs both at branches as well as at H.O.level.
Reliance also placed on the Audit Reports of the
Statutory Branch Auditors with respect to income
recognition, asset classification and provisioning.
The results of our audit process were observed to be
adequate and satisfactory, considering the materiality.
2. Investments Our audit approach towards Investments with reference

Investment portfolio of the bank comprises of to the RBI circulars / directives included the review and
Investments in Government Securities, Bonds, testing of the design, operating effectiveness of internal
Debentures, Shares, Security Receipts and other controls and substantive audit procedures in relation to
Approved Securities which are classified under three valuation, classification, identification of Non Performing
categories, Held to Maturity, Available for Sale and Held Investments, provisioning / depreciation related to
for Trade. Investment also comprise, a substantial portion Investments. In particular,
of the Bank’s total assets. - We assessed and understood the system and
Valuation of Investments, identification of Non-performing internal control as laid down by the Bank to comply
Investments (NPI) and the corresponding non-recognition with relevant RBI guidelines regarding valuation,
of income and provision thereon, is carried out in classification, identification of Non Performing
accordance with the relevant circulars / guidelines / Investments, Provisioning and depreciation on
directions of RBI. (refer Schedule 8 read with Note 3 of Investments.
Schedule 17 to the financial statements)
270
The valuation of each type of aforesaid security is to be - For selected sample of investments, tested accuracy
carried out as per the methodology prescribed in the and compliance with the RBI Master circulars and
circulars and directives issued by the RBI which involves directions by re-performing valuation for each
collection of data/ information from various sources such category of security in accordance with the RBI
as FBIL rates, rates quoted on BSE/ NSE, financial guidelines.
statements of unlisted companies, NAV in case of
- We assessed and evaluated the process of
security receipts etc.
identification of NPIs, and corresponding reversal of
As per the RBI directions, there are certain investments income and creation of provision.
that are valued at market price however certain
- We carried out substantive audit procedures to re-
investments are based on the valuation methodologies
compute independently the provision to be created
that include statistical models with inherent assumptions,
and depreciation to be provided.
assessment of price for valuation based on financial
statements etc. The price discovered for the valuation The results of our audit process were observed to be
of these Investments is only a fair assessment of the adequate and satisfactory considering the materiality of
Investments. the transactions.
Hence the valuation of Investments requires special
attention and further in view of the significance of the
amount of Investments in the financial statements, the
same has been considered as Key Audit Matter in our
audit.
3. Information technology (IT) systems used in We conducted an assessment and identified key IT
financial reporting process applications, database and operating systems that
The Bank’s operational and financial reporting processesare relevant to our audit and have identified CBS and
are dependent on IT systems run through Core Banking Treasury System primarily as relevant for financial
Solutions (CBS) and other integrated software with reporting. For the key IT systems pertaining to CBS
automated processes and controls large volume of and treasury operations used to prepare accounting
transactions. and financial information, our areas of audit focus
included Access Security (including controls over
The process and controls are to ensure appropriate user privileged access), application change controls, database
access and management processes in use. management and network operations. In particular:
Bank has an in house Department of Information & • we obtained an understanding of the Bank’s IT
technology (DIT) run under the supervision of the top control environment and key changes during the
management and with the support of expert consulting audit period that may be relevant to the audit.
agencies, for maintaining IT services.
• we tested the design, implementation and operating
Accordingly, our audit was focused on key IT systems effectiveness of the Bank’s General IT controls
and controls due to the pervasive impact on the financial over the key IT systems that are critical to financial
statements and the same has been considered as Key reporting. This included evaluation of Bank’s controls
Audit Matter in our audit. to evaluate segregation of duties and access rights
being provisioned / modified based on duly approved
requests, access for exit cases being revoked in a
timely manner.
• we also tested key automated and manual business
cycle controls and logic for system generated
reports relevant to the audit; including testing of
compensating controls or performed alternate
procedures to assess whether there were any
unaddressed IT risks that would materially impact
the financial statements. Information other than the
Financial Statements and Auditors’ Report thereon.
The results of our audit process were observed to be
adequate and satisfactory.
271
Information other than the financial statements and Auditors’ report thereon
5. The Bank’s Board of Directors is responsible for the other information. The other information comprises the Directors’
Report including annexure, the Corporate Governance Report and Management Discussion and Analysis, but does not
include the Standalone Financial Statements and our Auditors’ Report thereon. The other information is expected to be
made available to us after the date of this Auditors’ Report.
Our opinion on the Standalone Financial Statements does not cover the other information and the Basel III disclosure,
we will not express any form of assurance conclusion thereon.
In connection with our audit of the Standalone Financial Statements, our responsibility is to read the other information
identified above when it becomes available and, in doing so, consider whether the other information is materially
inconsistent with the Standalone Financial Statements or our knowledge obtained in the audit, or otherwise appears to
be materially misstated.
When we read the other information, if we conclude that there is material misstatement therein, we are required to
communicate the matter to those charged with governance and determine the actions under the applicable laws and
regulations
Responsibilities of Management and those charged with governance for the Standalone Financial Statements
6. The Bank’s Board of Directors is responsible with respect to the preparation of these Standalone Financial Statements
that give a true and fair view of the financial position, financial performance and cash flows of the Bank in accordance
with the accounting principles generally accepted in India, including the Accounting Standards issued by ICAI, and
provisions of section 29 of the banking Regulation Act, 1949 and circulars and guidelines issued by Reserve Bank
of India (RBI) from time to time. This responsibility also includes maintenance of adequate accounting records in
accordance with the provisions of the Act for safeguarding of the assets of the Bank and for preventing and detecting
frauds and other irregularities; selection and application of appropriate accounting policies; making judgments and
estimates that are reasonable and prudent; and design, implementation and maintenance of adequate internal financial
controls, that were operating effectively for ensuring the accuracy and completeness of the accounting records,
relevant to the preparation and presentation of the Standalone Financial Statements that give a true and fair view and
are free from material misstatement, whether due to fraud or error.
In preparing the Standalone Financial Statements, Management is responsible for assessing the Bank’s ability to
continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern
basis of accounting unless management either intends to liquidate the Bank or to cease operations, or has no realistic
alternative but to do so.
Auditors’ Responsibility for the Audit of the Standalone Financial Statements

7. Our objectives are to obtain reasonable assurance about whether the Standalone financial statements as a whole
are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes
our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in
accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or
error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence
the economic decisions of users taken on the basis of these Standalone Financial Statements.
As part of an audit in accordance with SAs, we exercise professional judgment and maintain professional skepticism
throughout the audit. We also:
• Identify and assess the risks of material misstatement of financial statements, whether due to fraud or error,
design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and
appropriate to provide a basis for our option. The risk of not detecting a material misstatement resulting from
fraud is higher than that for one resulting from error, as fraud may involve collusion, forgery, intentional omission,
misrepresentation, or the override of internal control.
• Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and
related disclosures made by management.
• Conclude on the appropriateness of management use of the going concern basis of accounting and, based on
the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast
significant doubt on the bank’s ability to continue as a going concern. If we conclude that a material uncertainty
272
exists, we are required to draw attention in our auditor’s report to the related disclosure in the Standalone
Financial Statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on
the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause
the bank to cease to continue as a going concern.
• Evaluate the overall presentation, structure and content of the Standalone Financial Statements, including the
disclosures, and whether the Standalone Financial Statements represent the underlying transactions and events in
a manner that achieves fair presentation.
Materiality is the magnitude of misstatements in the Standalone Financial Statements that, individually or in aggregate,
makes it probable that the economic decisions of a reasonably knowledgeable user of the financial statements may
be influenced. We consider quantitative materiality and qualitative factors in (i) planning the scope of our audit work
and in evaluating the results of our work; and (ii) to evaluate the effect of any identified misstatements in the financial
statements.
We communicate with those charge with governance regarding, among other matters, the planned scope and timing
of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during
our audit.
We also provide those charge with governance with the statement that we have complied with relevant ethical
requirements regarding independence, and to communicate with them all relationships and other matters that may
reasonably be thought to bear on our independence, and where applicable, related safeguard.
From the matters communicated with those charge with governance, we determine those matters that were of most
significance in audit of the Standalone Financial Statements of the current period and are therefore the key audit
matters. We describe these matters in our auditor’s report unless law or regulation precludes public disclosure about
the matter or when, in extremely rare circumstances, we determine that matters should not be communicated in our
report because of the adverse consequences of doing so would reasonably be expected to outweigh the public interest
benefit of such communication.
Other Matter
8. We did not audit the financial statements/ information of 2549 branches included in the Standalone Financial
Statements of the Bank whose financial statements/financial information reflect total advances of Rs. 96,589.14
crore as at March 31, 2019 and the total interest income of Rs. 17,577.07 crore for the year ended on that date,
as considered in the Standalone Financial Statements/information of these branches have been audited by the
branch auditors whose reports have been furnished to us, and our opinion in so far as it relates to the amounts and
disclosures included in respect of branches, is based solely on the report of such branch auditors.
Our opinion is not modified in respect of this matter.
Report on Other Legal and Regulatory Requirements

9. The Balance sheet and the Profit and Loss Account have been drawn up in accordance with section 29 of the Banking
Regulation Act, 1949;
10. Subject to the limitations of the audit indicated in paragraph 6 to 8 above and as required by Banking Companies
(Acquisition and Transfer of Undertaking) Act, 1970/1980, and subject also to the limitations of disclosures required
therein, we report that:
a. We have obtained all the information and explanations which, to the best of our knowledge and belief were
necessary for the purposes of our audit and have found them to be satisfactory:
b. The transactions of the Bank, which have come to our notice, have been within the powers of the Bank; and
c. The returns received from the offices and branches of the Bank have been found adequate for the purpose of our
audit.
11. We further report that:
a. In our opinion, proper books of account as required by law have been kept by the Bank so far as it appears from
our examination of those books and proper returns adequate for the purposes of our audit have been received
from the branches not visited by us.
273
b. The Balance Sheet, the Profit and Loss Account, and Cash Flow Statement dealt with by this Report are in
agreement with the books of account and with the returns received from the branches not visited by us.
c. The reports on the accounts of the branch offices audited by branch auditors of the Bank under section 29 of the
Banking Regulation Act, 1949 have been sent to us and have been properly dealt with by us in preparing this
report; and
d. In our opinion, the Balance sheet, the Profit and Loss Account and the Cash Flow Statement comply with the
applicable accounting standards; to the extent they are not inconsistent with the accounting policies prescribed by
Reserve Bank of India.

F.R. No.000478N F.R. No. 101569W

Partner Partner
M.No.087002 M.No.133755

F.R. No.106655W F.R. No.007739N
(CA A.V. KAMAT) (CA DEEPAK GARG)

Partner Partner
M.No.039585 M.No.093348
Place : Mumbai
Date : 15th May 2019
274
STANDALONE STATEMENT OF ASSETS AND LIABILITIES

(Rs. in Lacs)
PARTICULARS As at 31-Mar-19 As at 31-Mar-18

` `
Audited Audited
CAPITAL & LIABILITIES
Capital 4,04,720.14 2,61,815.58
Reserves and Surplus 14,88,765.52 15,36,737.78
Share application Money pending allottment 21,254.09 -
Deposits 2,99,85,543.68 2,94,83,885.73
Borrowings 5,23,906.16 5,70,611.62
Other Liabilities and Provisions 6,47,576.80 7,69,476.83
TOTAL 3,30,71,766.39 3,26,22,527.54
ASSETS
Cash and Balances with Reserve Bank of India 20,77,908.50 35,99,990.88
Balances with Banks and Money at Call and Short Notice 10,42,084.58 3,22,852.65
Investments 1,25,29,806.97 1,02,63,161.22
Advances 1,46,52,536.06 1,56,54,217.71
Fixed Assets 4,31,024.38 4,34,338.11
Other Assets 23,38,405.90 23,47,966.97
TOTAL 3,30,71,766.39 3,26,22,527.54
ALOK SRIVASTAVA B.S. SHEKHAWAT P.RAMANA MURTHY

Executive Director Executive Director Executive Director
PALLAV MOHAPATRA TAPAN RAY

Managing Director & CEO Chairman
Dr. BHUSHAN KUMAR SINHA THOMAS MATHEW N. NITYANANDA PROF. (DR.) ATMANAND
Director Director Director Director
For S. K. MEHTA & CO. For BORKAR & MUZUMDAR For MUKUND M CHITALE & CO For AAJV AND ASSOCIATES
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No.000478N F.R. No. 101569W F.R. No.106655W F.R. No.007739N
(CA JYOTI BAGGA) (CA DARSHIT DOSHI) (CA A. V. KAMAT) (CA DEEPAK GARG)
Partner Partner Partner Partner
M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
275
BALANCE SHEET AS AT MARCH 31, 2019

(000’s Omitted)
PARTICULARS Schedule As at As at
No. 31-Mar-19 31-Mar-18
` `
Capital 1 4,04,72,014 2,61,81,558
Reserves and Surplus 2 14,88,76,552 15,36,73,778
Share application Money pending allotment 21,25,409 -
Deposits 3 2,99,85,54,368 2,94,83,88,573
Borrowings 4 5,23,90,616 5,70,61,162
Other Liabilities and Provisions 5 6,47,57,680 7,69,47,683
TOTAL 3,30,71,76,639 3,26,22,52,754
ASSETS
Cash and Balances with Reserve Bank of India 6 20,77,90,850 35,99,99,088
Balances with Banks and Money at Call and Short Notice 7 10,42,08,458 3,22,85,265
Investments 8 1,25,29,80,697 1,02,63,16,122
Advances 9 1,46,52,53,606 1,56,54,21,771
Fixed Assets 10 4,31,02,438 4,34,33,811
Other Assets 11 23,38,40,590 23,47,96,697
TOTAL 3,30,71,76,639 3,26,22,52,754
Contingent Liabilities 12 86,66,82,022 1,19,39,78,648
Bills for Collection - 16,24,73,915 14,48,60,670
Notes to Accounts 18
The schedules referred to above form an integral part of the Balance Sheet.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
276
PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2019
(000’s Omitted)
PARTICULARS Schedule Year Ended Year Ended
No. 31-Mar-19 31-Mar-18
` `
I. INCOME
Interest Earned 13 22,63,85,707 24,03,55,171
Other Income 14 2,41,29,368 2,62,23,513
TOTAL 25,05,15,075 26,65,78,684
II. EXPENDITURE
Interest Expended 15 15,86,63,898 17,51,85,079
Operating Expenses 16 6,05,86,250 6,40,63,689
Provisions and Contingencies 8,76,79,726 7,83,78,890
TOTAL 30,69,29,874 31,76,27,658
III. PROFIT/(LOSS) FOR THE YEAR BEFORE PRIOR PERIOD ITEM (5,64,14,799) (5,10,48,974)
Less: Prior period Item - -
Net Profit /(Loss) for the year after Prior period item (5,64,14,799) (5,10,48,974)
Profit / (loss) brought forward (10,55,31,577) (5,35,63,918)
TOTAL (16,19,46,376) (10,46,12,892)
IV. APPROPRIATIONS
Transfer to :
Statutory Reserve - -
Investment Reserve 5,63,762 9,18,685
Special Reserve u/s 36(1)(viii) - -
Staff Welfare Fund - -
Revenue Reserve - -
Fund in lieu of Insurance – –
Proposed Dividend - Preference Capital - -
Proposed Dividend - Equity Capital - -
Dividend Tax - -
Balance Carried Over to Balance Sheet (16,25,10,138) (10,55,31,577)
TOTAL (16,19,46,376) (10,46,12,892)
EPS (Basic & Diluted) in Rs. ( nominal value Rs. 10/- per share) (20.19) (26.34)
The schedules referred to above form an integral part of the Profit and Loss Account

M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
277
SCHEDULES FORMING PART OF THE BALANCE SHEET AS AT MARCH 31, 2019

(000’s Omitted)
PARTICULARS AS AT 31-Mar-2019 AS AT 31-Mar-2018
` ` ` `
SCHEDULE 1 : CAPITAL
Authorised Capital 5,00,00,000 5,00,00,000
500,00,00,000 shares of Rs. 10/- each (previous
year 500,00,00,000 shares) of Rs. 10/- each
Issued, Subscribed and Paid up Capital :
Equity Shares 4,04,72,014 2,61,81,558
4047201437 Equity Shares (previous year
2618155755 Equity shares) of Rs. 10/- each
(includes 3691169652 Equity shares (previous year
2262123970 Equity shares) of Rs. 10/- each held by
Central Govt.)
TOTAL 4,04,72,014 2,61,81,558
SCHEDULE 2 : RESERVES AND SURPLUS

I. Statutory Reserves
Balance as per last Balance Sheet 2,06,35,979 2,06,35,979
Additions during the year - -
2,06,35,979 2,06,35,979
II. Capital Reserves
i) Revaluation Reserve
Additions - Adjustments during the year 91,575 -
Less : Transfer to Revenue and Other 6,48,045 7,51,349
Reserves
Deductions during the year - -
3,07,45,958 3,13,02,428
ii) Investment Reserve
Additions during the year 5,63,762 9,18,685
1,16,55,147 1,10,91,385
III. Share Premium
Additions/ Adjustments during the year 5,16,29,543 5,12,50,152
22,15,38,334 16,99,08,791
IV. Revenue and Other Reserves
i) Revenue Reserves
Add : Transfer from Capital Reserves 6,48,045 7,51,349
Additions during the year 6,959 -
Less: Deductions during the year 1,10,503 1,87,090
2,58,11,273 2,52,66,772
V. Special Reserve U/s 36(1)(viii) of Income Tax Act 10,00,000 10,00,000
VI. Balance in Profit and Loss Account (16,25,10,139) (10,55,31,577)
TOTAL 14,88,76,552 15,36,73,778
278
(000’s Omitted)
` ` ` `
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
i) From Banks 1,32,14,516 43,03,783
ii) From Others 15,09,51,022 14,25,61,085
16,41,65,538 14,68,64,868
II. Savings Bank Deposits 1,22,13,88,674 1,10,50,92,892
III. Term Deposits
i) From Banks 2,70,05,949 4,01,77,032
ii) From Others 1,58,59,94,207 1,65,62,53,781
1,61,30,00,156 1,69,64,30,813
TOTAL 2,99,85,54,368 2,94,83,88,573
B. i) Deposits of Branches in India 2,99,85,54,368 2,94,83,88,573
ii) Deposits of Branches outside India – –
SCHEDULE 4 : BORROWINGS
I. Borrowings in India
i) Reserve Bank of India – –
ii) Other Banks 44,471 11,534
iii) Other Institutions & Agencies 29,55,145 41,08,628
iv) Unsecured Redeemable 50,00,000 77,00,000
Bonds(Subordinated Debt)
v) Upper Tier II bonds 2,30,00,000 2,88,50,000
vi) Innovative Perpetual Debt Instrument 13,91,000 13,91,000
vii) Unsecured Redeemable NC Basel III 2,00,00,000 1,50,00,000
Bonds(Tier II)
5,23,90,616 5,70,61,162
II. Borrowings outside India – –
TOTAL 5,23,90,616 5,70,61,162
Secured Borrowings included in I & II above Nil Nil
SCHEDULE 5 : OTHER LIABILITIES AND PROVISIONS

I. Bills Payable 64,54,286 69,18,635
II. Inter Office Adjustments (Net) – 55,26,439
III. Interest Accrued 83,71,940 77,60,143
IV. Deferred Tax Liability –
V. Others (including provisions) 4,99,31,454 5,67,42,466
TOTAL 6,47,57,680 7,69,47,683
279
(000’s Omitted)
` ` ` `
SCHEDULE 6 : CASH AND BALANCES WITH RESERVE BANK OF INDIA
I. Cash in Hand 1,33,75,164 1,50,54,784
(including foreign currency notes)
II. Balances with Reserve Bank of India
In Current Accounts 14,04,15,686 13,59,44,304
In Other Accounts 5,40,00,000 20,90,00,000
19,44,15,686 34,49,44,304
TOTAL 20,77,90,850 35,99,99,088
SCHEDULE 7 : BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE
I. In India
i) Balances with Banks
a) In Current Accounts 6,65,590 11,47,045
b) In Other Deposit Accounts 6,880 13,045
ii) Money at Call and Short Notice
a) With Banks 19,00,000 –
b) With Other Institutions 10,15,66,371 2,01,07,348
10,41,38,841 2,12,67,438
II. Outside India
a) In Current Accounts 69,582 68,427
b) In Other Deposit Accounts 35 1,09,49,400
c) Money at Call & Short Notice – –
69,617 1,10,17,827
TOTAL 10,42,08,458 3,22,85,265
SCHEDULE 8 : INVESTMENTS
I. Investments in India in : *
i) Government Securities 96,20,60,271 81,31,71,345
ii) Other approved Securities – –
iii) Shares 83,42,097 1,26,11,655
iv) Debentures and Bonds 21,46,94,317 14,22,05,198
v) Subsidiaries and Sponsored Institutions 30,39,987 30,39,987
vi) Others (Commercial Papers,Mutual Fund Units etc.) 6,43,69,140 5,48,13,052
1,25,25,05,812 1,02,58,41,237
II. Investments outside India in **
Subsidiaries and / or Associates abroad 4,74,885 4,74,885
TOTAL 1,25,29,80,697 1,02,63,16,122
* Investments in India
Gross Value 1,29,17,18,017 1,05,24,71,735
Less:Provision for Depreciation 3,92,12,205 2,66,30,498
Net Value 1,25,25,05,812 1,02,58,41,237
** Investments outside India
Gross Value 4,75,100 4,75,100
Less:Provision for Depreciation 215 215
Net Value 4,74,885 4,74,885
280
(000’s Omitted)
` ` ` `
SCHEDULE 9 : ADVANCES
A. i) Bills Purchased and Discounted 1,11,08,722 1,21,08,770
ii) Cash Credits, Overdrafts & Loans 70,50,21,260 70,53,09,854
repayable on demand
iii) Term Loans 74,91,23,624 84,80,03,147
TOTAL 1,46,52,53,606 1,56,54,21,771
B. Particulars of Advances :
i) Secured by Tangible Assets (including 1,37,15,43,682 1,46,46,06,458
advances against Book Debts)
ii) Covered by Bank / Government Guarantees 71,60,273 41,63,297
iii) Unsecured 8,65,49,651 9,66,52,016
TOTAL 1,46,52,53,606 1,56,54,21,771
C. Sectoral Classification of Advances
(I) Advances in India
i) Priority Sectors 77,46,50,563 78,35,46,358
ii) Public Sector 4,18,77,509 4,39,19,258
iii) Banks 11,452 1,643
iv) Others 64,87,14,082 73,79,54,512
TOTAL 1,46,52,53,606 1,56,54,21,771
(II) Advances outside India – –
SCHEDULE 10 : FIXED ASSETS

I. Premises
( At cost / revalued cost )
Balance as at 31st March of the preceding year 4,03,28,001 4,01,28,537
Additions during the year 14,580 1,99,464
Total 4,03,42,581 4,03,28,001
Deductions / Adjustments during the year 1,13,186 -
Depreciation to date 73,27,018 67,85,203
Total 3,29,02,377 3,35,42,798
II. Other Fixed Assets
(Including furniture and fixtures)
At cost as at 31st March of the preceding year 2,90,61,087 2,63,41,855
Additions / Adjustments during the year 27,56,744 34,88,370
Total 3,18,17,831 2,98,30,225
Deductions / Adjustments during the year 6,07,292 7,69,138
Total 3,12,10,539 2,90,61,087
Depreciation to Date 2,10,10,478 1,91,70,074
Total 1,02,00,061 98,91,013
TOTAL (I & II) 4,31,02,438 4,34,33,811
281
(000’s Omitted)
` ` ` `
SCHEDULE 11 : OTHER ASSETS
I. Interest accrued 1,84,62,354 1,67,85,595
II. Tax paid in advance / Tax deducted at source 5,16,34,457 5,34,81,235
(Net of Provisions)
III. Stationery and Stamps 2,01,811 1,99,846
IV. Non-banking assets acquired in satisfaction of - -
claims
V. Deferred Tax Assets 7,89,40,100 5,36,80,300
VI. Inter Office Adjustments (Net) 12,55,928 -
VII. Others 8,33,45,940 11,06,49,721
TOTAL 23,38,40,590 23,47,96,697
SCHEDULE 12 : CONTINGENT LIABILITIES

I. (a)
Claims against the Bank not 10,52,491 11,03,950
acknowledged as Debts
(b) Disputed income tax demands under 2,56,91,553 2,97,99,058
appeals, revisions, etc
II. Liability for partly paid Investments 52,498 76,140
III. Liability on account of outstanding forward 64,44,32,269 92,83,13,329
Exchange Contracts
IV. Guarantees given on behalf of constituents
a) In India 11,56,86,575 10,44,10,635
b) Outside India 71,56,062 28,39,496
12,28,42,637 10,72,50,131
V. Acceptances, Endorsements and Other 6,61,57,213 12,30,09,267
Obligations
VI. Other item for which the bank is contingently liable 64,53,361 44,26,773
TOTAL 86,66,82,022 1,19,39,78,648
282
SCHEDULES FORMING PART OF THE PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED MARCH 31, 2019
(000’s Omitted)
PARTICULARS YEAR ENDED YEAR ENDED
31-Mar-19 31-Mar-18
` `
SCHEDULE 13 : INTEREST EARNED
I. Interest / Discount on Advances / Bills 12,94,97,463 14,47,87,536
II. Income on Investments 8,45,42,399 7,13,73,632
III. Interest on balances with Reserve Bank of India and other Inter Bank Funds 87,28,057 2,05,85,442
IV. Others 36,17,788 36,08,561
TOTAL 22,63,85,707 24,03,55,171
SCHEDULE 14 : OTHER INCOME

I. Commission, Exchange and Brokerage 1,20,38,126 1,26,24,751
II. Profit on Sale of Investments (Net) 21,51,879 57,66,755
III. Profit / (Loss) on Revaluation of Investments - -
IV. Profit / (Loss) on Sale of Land, Buildings and other Assets (Net) (44,269) (44,982)
V. Profit on Exchange Transactions (Net) 14,04,372 14,09,054
VI. Income earned by way of dividends etc. from Subsidiaries and Associates 52,200 1,00,972
abroad / in India
VII. Miscellaneous Income 85,27,060 63,66,963
TOTAL 2,41,29,368 2,62,23,513
SCHEDULE 15 : INTEREST EXPENDED

I. Interest on Deposits 15,27,63,230 16,22,26,890
II. Interest on Reserve Bank of India / Inter-Bank borrowings 47,690 45,704
III. Others 58,52,978 1,29,12,485
TOTAL 15,86,63,898 17,51,85,079
SCHEDULE 16 : OPERATING EXPENSES

I. Payments to and Provisions for employees 3,56,52,216 3,98,33,703
II. Rent, Taxes and Lighting 47,24,267 47,46,738
III. Printing and Stationery 2,87,739 3,62,698
IV. Advertisement and Publicity 1,05,710 2,41,456
V. Depreciation on Bank’s property 27,77,242 26,03,090
VI. Directors’ Fees, Allowances and Expenses 14,557 10,622
VII. Auditors’ Fees and Expenses (including Branch Auditors) 3,03,412 1,98,592
VIII. Law Charges 1,67,276 1,71,272
IX. Postages, Telegrams, Telephones etc. 8,99,275 6,63,447
X. Repairs and Maintenance 9,88,942 11,32,748
XI. Insurance 30,00,804 35,71,763
XII. Other Expenditure 1,16,64,810 1,05,27,560
TOTAL 6,05,86,250 6,40,63,689
283
SCHEDULE 17 - SIGNIFICANT ACCOUNTING POLICIES

1. a) Basis of Preparation:
The financial statements have been prepared by following the going concern concept on the historical cost basis
except in respect of the Revaluation of Premises and conform, in all material aspects, to Generally Accepted
Accounting Principles (GAAP) in India, which encompasses applicable statutory provisions, regulatory norms
prescribed by Reserve Bank of India (RBI) including those prescribed by the Banking Regulation Act 1949,
Accounting Standards (AS) and pronouncements issued by The Institute of Chartered Accountants of India (ICAI)
and the prevailing practices within the Banking industry in India.
b) Use of Estimates:
The preparation of financial statements requires the management to make estimates and assumptions considered
in the reported amount of assets and liabilities (including contingent liabilities) as on the date of the financial
statements and the reported income and expenses during the reporting year. Management believes that the
estimates used in preparation of the financial statements are prudent and reasonable.
Contingencies are recorded when it is probable that a liability will be incurred and the amounts can reasonably be
estimated. Differences between the actual results and estimates are recognised in the year in which the results
are known/materialised.
2. Transactions involving Foreign Exchange:

2.1 The transactions are initially recorded on previous day’s closing rate.
2.2 Monetary Assets and Liabilities in Foreign Currencies are translated at the Exchange Rates prevailing at the
quarter end as notified by FIBIL and the resultant Profit/ Loss is recognised in Profit and Loss Account.
2.3 Income and Expenditure items are translated at the exchange rates ruling on the respective date of transactions.
2.4 Guarantees, Letters of Credit, Acceptances, Endorsements, and other obligations in Foreign Currencies are
translated at the quarter end rates notified by FIBIL.
2.5 Outstanding Forward Contracts are translated at the quarter end rates notified by FIBIL and the resultant profit/
loss is recognized in Profit and Loss Account.
3. Investments:
3.1 In accordance with the guidelines issued by the Reserve Bank of India, Investments are categorised into “Held
to Maturity”, “Held for Trading” and “Available for Sale” categories. However, for disclosure in the Balance Sheet,
investments are classified under the following heads :
i) Government Securities
ii) Other Approved Securities
iii) Shares
iv) Debentures and Bonds
v) Subsidiaries and sponsored institutions and
vi) Others (Commercial Papers and units of Mutual Funds etc.)
3.2 Basis of Classification:

Classification of an Investment is done at the time of purchase into the following categories:
i) Held to Maturity:
These comprise of investments, the bank intends to hold on till maturity. Investments in subsidiaries and
associates are also categorised under Held to Maturity.
ii) Held for Trading
Securities which are principally held for resale within 90 days from the date of purchase.
iii) Available for Sale
Investments that cannot be classified in the above categories.
284
3.3 Transfer of Securities between categories:

The transfer/ shifting of securities between the three categories of investments is accounted at the lower of
acquisition cost/ book value or market value on the date of the transfer. The depreciation, if any, on such transfer
is fully provided for.
3.4 Valuation:
a) Held to Maturity:
The investments classified under this category are valued at acquisition cost. The excess of acquisition cost /
book value over the face value is amortised over the remaining period of maturity on day to day basis.
Investments in subsidiaries and associates are valued at carrying cost less diminution, other than temporary
in nature, for each investment individually.
b) Available for sale:
Investments under this category are marked to market, scrip-wise, at quarterly intervals as under:
i) Central Government At market price as per quotation put out by Stock Exchange / FIBIL.
Securities
ii) State Government Securities, On appropriate yield to maturity basis.
Securities Guaranteed by
Central / State Government
iii) Treasury Bills/ Certificates of At carrying cost.
Deposits/ Commercial Paper
iv) Equity Shares a) Quoted : At market price.
b) Unquoted: At book value per share, if latest (Not more than one
year old) Balance Sheet is available, or Re.1/- per
company if latest Balance Sheet is not available.
v) Preference Shares a) Quoted : At market price.
b) Unquoted: On appropriate yield to maturity.
vi) Debentures and Bonds a) Quoted : (Traded in last 15 days) at last Trade Price.
vii) Mutual Fund a) Quoted : At market price.
b) Unquoted: At repurchase price or Net Asset Value (where
repurchase price is not available).
viii) Venture Capital Fund (VCF) Declared NAV or break up NAV as per audited balance sheet which
is not more than 18 months old. If NAV/ audited financials are not
available for more than 18 months continuously then at Re.1/- per VCF.
ix) Security Receipts (SR) At Net Asset Value (NAV) advised by SC/ARC.
The net depreciation under each category is provided for, without adjusting the book value of the securities
and net appreciation, if any, is ignored.
c) Held for Trading:

Investments under this category are valued at monthly intervals at market rates, wherever available, or as per
the prices declared by FIBIL. The net depreciation under each category is provided for, without adjusting the
book value of the securities and net appreciation, if any, is ignored.
3.5 Determination of Cost:
i) Cost of investments is determined on the basis of Weighted Average Cost method.
ii) Brokerage, incentive, front-end fees etc., received on purchase of securities are reduced from the cost of
investments.
iii) Expenses such as brokerage, fees, commission or taxes incurred at the time of acquisition of securities is
charged to revenue.
285
3.6 IIncome Recognition:

i) The Profit or loss on sale/ redemption of investments is taken to the Profit and Loss Account. However, in
case of profit on sale/ redemption of investments from ‘Held to Maturity’ category, an equivalent amount is
appropriated to the ‘Capital Reserve’.
ii) In respect of securities included in any of the three categories of investments where interest/ principal is in
arrears, for more than 90 days, income is not reckoned and classified as Substandard/Doubtful/Loss as the
case may be and appropriate provision for the depreciation in the value of the investments is made, as per
prudential norms applicable to non-performing advances or otherwise required as per RBI directives issued
from time to time. Debentures/ Bonds in the nature of advances are subjected to usual prudential norms
applicable to advances.
iii) State Government guaranteed exposures is classified as Sub Standard/ Doubtful/ Loss, as the case may be
if interest and/ or principal or any other amount due to the Bank remains overdue for more than 90 days and
necessary provisions are made as per Prudential Norms or as otherwise required as per the RBI directions
issued from time to time.
iv) The broken period interest on sale or purchase of securities is treated as revenue item.
3.7 Accounting for Repo / Reverse Repo and Liquidity Adjustment Facility (LAF)
Securities sold / purchased with an agreement to repurchase / resale on the agreed terms under Repo / Reverse
Repo including LAF with RBI are recognized as Borrowing/Lending
4. Derivatives:
4.1 Derivatives used for hedging are accounted as under :
i) In cases where the underlying Assets/Liabilities are marked to market, resultant gain/loss is recognised in the
Profit & Loss Account.
ii) Interest Rate Swaps which hedges interest bearing assets or liabilities are accounted for on accrual basis in
cases where underlying Assets/Liabilities are not marked to market.
iii) Gain or losses on the termination of Swaps are recognised over the shorter of the remaining contractual life
of the Swap or the remaining life of the assets/liabilities.
4.2 Derivatives used for Trading are accounted as under:

i) Currency future and Interest Rate Future are marked to market on daily basis as per exchange guidelines of
MCX-SX, NSE and United Stock Exchange.
ii) MTM profit/loss is accounted by credit/debit to the margin account on daily basis and the same is accounted
in bank’s profit & loss account on final settlement.
iii) Trading swaps are marked to market at frequent intervals. Any MTM losses are booked and gains if any are
ignored.
iv) Gains or losses on termination of swaps are recorded as immediate income/expense under the above head
5. Advances:
5.1 Advances are classified as Standard, Sub-Standard, Doubtful or Loss Assets and Provisions required in respect
thereof are made as per the Prudential Norms prescribed by the Reserve Bank of India or otherwise required in
terms of RBI directions issued from time to time.
5.2 Partial Recovery in Non-performing assets is appropriated first towards principal and thereafter towards interest.
However, where any borrowal account is required to be classified as Non-Performing from back date, any
recovery till the account was classified as Standard is first credited to Interest on Loans and Advances [viz.
Scheme for sustainable Structuring of Stressed assets (S4A), Strategic Debt Restructuring, Flexible Structuring of
Long Term Project Loan (5/25), Change of Ownership of Borrowing Entities (outside Strategic Debt Restructuring
Scheme)].
5.3 Advances are shown net of provisions (in case of NPA), Unrealised Interest, amount recovered from borrowers
held in Sundries and amount recovered from CGTSI/ ECGC.
286
5.4 Provision for Standard Assets is included in Other Liabilities and Provisions- Others.
5.5 Financial Assets sold are recognized as under:
5.5.1 In case the sale to SC/ARC is at a price lower than the Net Book Value (NBV) the shortfall is either charged
to the Profit and Loss Account or such shortfall on assets sold on or after 26.02.2014 is spread over a period
of two/one year in line with RBI guidelines subject to necessary disclosures.
5.5.2 In case the sale is at a price higher than the NBV on cash basis, the surplus is taken to the credit of Profit
and Loss Account.
5.5.3 In case of sale to SC/ARC is for a value higher than the NBV the excess provision to the extent of cash
recovery is credited to the Profit and Loss Account and balance excess provision is retained to be utilised to
meet shortfall/loss on account of sale of other financial assets to SC/ARC.
6. Fixed Assets/Depreciation:
6.1 Fixed Assets are depreciated under ‘Written Down Value Method’ at the following rates (other than computers
which are depreciated on Straight Line Method):
i) Premises At varying rates based on estimated life
ii) Furniture, Lifts, Safe Vaults 10%
iii) Vehicles 20%
iv) Air conditioners, Coolers, Typewriters etc. 15%
v) Computers including Systems Software 33.33%
(Application Software is charged to the Revenue during the year of acquisition.)
6.2 Land acquired on lease for over 99 years is treated as freehold land and those for 99 years or less is treated as
leasehold land. Cost of leasehold land is amortized over a period of lease.
6.3 Where it is not possible to segregate the cost of Land and Premises, Depreciation is charged on the composite
cost.
6.4 In case of assets, which have been revalued, the depreciation / amortization is provided on the revalued amount
charged to Profit & Loss Account. Amount of incremental depreciation / amortization attributable to the revalued
amount is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other Reserves”.
6.5 Depreciation on additions to assets, made upto 30th September is provided for the full year and on additions
made thereafter, is provided for the half year. No depreciation is provided on assets sold before 30th September
and depreciation is provided for the half year for assets sold after 30th September.
7. Employee Benefits:
Employee benefits are accrued in the year services are rendered by the employees. Short term employee benefits are
recognised as an expense in the profit and loss account for the year in which the related service is rendered.
Liability for long term employee benefit under defined benefit scheme such as contribution to gratuity, pension fund
and leave encashment are determined at close of the year at present value of the amount payable using actuarial
valuation technique. Actuarial gain/losses are recognised in the year when they arise.
Provident fund is a defined contribution as the bank pays fixed contribution at predetermined rates. The obligation of
the bank is limited to such fixed contribution. The contributions are charged to Profit and Loss account.
National Pension Scheme which is applicable to employees who have joined bank on or after 01.04.2010 is a defined
contribution scheme. Bank pays fixed contribution at pre-determined rate. The obligation of the bank is limited to such
fixed contribution. The contribution is charged to Profit and Loss Account.
8. Recognition of Income and Expenditure:

8.1 Income/ Expenditure is generally accounted for on accrual basis except for income to be accounted for on cash
basis as per regulatory provisions.
8.2 In accordance with the guidelines issued by the Reserve Bank of India, prior period disclosures are made in
respect of any item which exceeds one percent of the total income/total expenditure.
287
8.3 Provision for interest payable on overdue deposits is made as per Reserve Bank of India guideline
9 Income Tax:
The provision for tax for the year comprises of current tax liability computed in accordance with the applicable tax
laws and the deferred tax which recognizes, timing differences between taxable income and accounting income
that originate in one period and is capable of reversal in one or more subsequent periods. Deferred tax assets are
recognised only to the extent that there is reasonable certainty that sufficient future taxable income will be available
against which such deferred tax assets will be realised. In case of carry forward of unabsorbed depreciation and tax
losses, deferred tax assets are recognised only if there is virtual certainty that such deferred tax assets can be realised
against future taxable profits. The carrying amount of deferred tax assets is reviewed at each balance sheet date
to reassess its realization. Disputed tax liabilities are accounted for in the year of finality of assessment / appellate
proceedings and till such times they are shown as contingent liability.
10 Provisions, Contingencies and Contingent assets:

Provisions are recognized for present obligations, of uncertain timing or amount, arising as a result of a past event
where a reliable estimate can be made and it is probable that an outflow of resources embodying economic benefits
will be required to settle the obligation. Where it is not probable that an outflow of resources embodying economic
benefits will be required or the amount cannot be estimated reliably, the obligation is disclosed as a contingent liability
unless the possibility of outflow of resources embodying economic benefits is remote.
Contingent assets are neither recognised nor disclosed in the Financial Statements.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
288
SCHEDULE-18 : NOTES FORMING PART OF THE ACCOUNTS

1. Capital:
Paid up Equity Share Capital of the Bank as on 31.03.2019 is ₹ 4047.20 crore increased from ₹ 2618.16 crore of
previous year by issue of fresh 1429045682 equity shares of ₹ 10 each in three allotments.
a. 354357970 Equity Share of ₹ 10 each allotted to Government of India on Preferential Basis at premium of ₹ 56.43
on 13.11.2018
b. 387439390 Equity Share of ₹ 10 each allotted to Government of India on Preferential Basis at premium of ₹ 33.31
on 28.02.2019.
c. 687248322 Equity Share of ₹ 10 each allotted to Government of India on Preferential Basis at premium of ₹ 27.25
on 28.03.2019.
2. Balancing of Books / Reconciliation:

The reconciliation of the following items are in progress :
– Inter Branch Office Balance
– Inter Bank Accounts
– Suspense Accounts
– Clearing & other Adjustment Accounts
– Certain balances in nominal account
– NOSTRO Accounts
– Balances related to ATM
– Mirror Accounts maintained by Central Card Department
– Data/System updation of Agricultural and Priority Sector Advances
The management is of the opinion that the overall impact, if any, on the accounts will not be significant.
3. Income Tax:
3.1 Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and
judicial decisions on disputed issues.
3.2 Other Assets [Schedule 11 (ii)] includes ₹ 2569.16 crore (previous year ₹ 2979.91 crore) towards disputed Income
Tax paid by the Bank or adjusted by the Income Tax department. Provision for disputed amount of taxation is not
considered necessary by the Bank on the basis of various judicial pronouncements and favourable decisions in
Bank’s own case.
4. Premises:
4.1 Premises obtained on Lease by the Bank includes properties costing ₹ 0.75 Crore (previous year ₹ 0.75 Crore) for
which registration formalities are still under progress.
4.2 In the case of assets, which have been revalued, the depreciation is provided on the revalued amount charged
to Profit & Loss Account and the amount of incremental depreciation attributable to the revalued amount ₹ 64.80
Crore (previous year ₹ 75.13 Crore) is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other
Reserves”.
5. Advances / Provisions
5.1 Advances to units which have become sick including those under nursing/ rehabilitation/ restructuring programme
and other advances classified as doubtful/ loss assets have been considered secured/ recoverable to the extent
of estimated realizable value of securities carrying first or second charge based on valuers’ assessment of
properties/ assets mortgaged to the Bank and other data available with the Bank.
5.2 In accordance with the guidelines issued by Reserve Bank of India, the Bank has netted the balance Floating
Provision amount of ₹ 100.56 crores (previous year ₹ 100.56 crore) and Countercyclical Provision amount of
₹ 47.34 Crore (previous year. ₹ 47.34 Crore) from gross NPAs to arrive at net NPAs.
289
6. The following information is disclosed in terms of guidelines issued by Reserve Bank of India :
a. (i) Capital (` in crore)
Sl.No Items 31.03.2019 31.03.2018
1 Common Equity Tier 1 capital ratio (%) 7.49% 7.01%
2 Tier 1 capital ratio (%) 7.49% 7.01%
3 Tier 2 capital ratio (%) 2.12% 2.03%
4 Total Capital Ratio (CRAR) (%) 9.61% 9.04%
5 Percentage of the shareholding of the Government of India 91.20% 86.40%
6 Amount of equity capital raised 6804.54* 5158.00
7 Amount of Additional Tier 1 capital raised; of which
Perpetual Non Cumulative Preference Share (PNCPS):
Perpetual Debt Instruments (PDI): NIL NIL
8 Amount of Tier 2 capital raised; Of which
- Debt capital instruments: NIL NIL
- Preference Share Capital Instruments: [Perpetual Cumulative NIL NIL
Preference Share (PCPS) / Redeemable Non Cumulative
Preference Share (RNCPS) /Redeemable Cumulative
Preference Share (RCPS)]
- Amount of Sub-ordinate debts raised during the year 500.00 NIL
*Includes capital funds of ₹ 2354.00 crore received from Government of India on 19.09.2018 and the same
was kept in the “Central Bank of India Share Application Money Account”. Bank allotted (35,43,57,970) equity
shares of ₹ 10 each at premium ₹ 56.43 to President of India (Government of India) on 13.11.2018.
Further, capital funds of ₹ 1678.00 crore received from Government of India on 31.12.2018 and the same
shares to President of India (Government of India) on 28.02.2019.
Further, capital funds of ₹ 2560.00 crore received from Government of India on 21.02.2019 and the same
shares of ₹ 10 each at premium ₹ 27.25 to President of India (Government of India) on 28.03.2019.
Capital funds of ₹ 212.54 crore received against valid applications from eligible employees under Central
Bank of India Employee Stock Purchase Scheme, 2019 on 30.03.2019 and the same was kept in the “Central
Bank of India Share Application Money Account”. Allotment of Equity shares is in process.
b. (i) Investments
(` in crore)
Items 31.03.2019 31.03.2018
1) Value of Investments
i) Gross Value of Investments 129219.31 105294.68
a) In India 129171.80 105247.17
b) Outside India 47.51 47.51
ii) Provisions for Depreciation 3921.24 2663.07
a) In India 3921.22 2663.05
Excess provision for depreciation (held at shifting) over 0.00 0.00
current valuation
iii) Net Value of Investments 125298.07 102631.61
a) In India 125250.58 102584.12
290
(` in crore)
Items 31.03.2019 31.03.2018
2) Movement of Provisions held towards depreciation on Investments
i) Opening Balance 2663.07 1696.68
ii) Add: Provisions made during the year 2561.64 1781.21
iii) Less: Write Back/Utilized during the year 1303.47 814.82
iv) Closing Balance 3921.24 2663.07
(ii))
Repo Transactions (in face value terms)
( ` in crore)
Particulars Minimum Maximum Daily Average Outstanding as

outstanding outstanding outstanding on March 31,
during the year during the year during the year 2019
Securities sold under Repo
I. Government Securities 0.00 750.00 38.09 0.00
II. Corporate debt securities 0.00 0.00 0.00 0.00
Securities purchased under
Reverse Repo
I. Government Securities 0.00 34878.98 10797.67 11059.84
II. Corporate debt securities 0 0 0 0
(iii) Non SLR Investment Portfolio

Issuer wise composition of Non SLR Investments
( ` in crore)
No. Issuer Amount Extent of Extent of ‘Below Extent of Extent of
Private Investment ‘Unrated’ ‘Unlisted’
Placem- Grade’ Securities Securities
ent Securities
(1) (2) (3) (4) (5) (6) (7)
i) Central Govt Recap Bonds 11427 0 0 11427 11427
ii) State Govt Special Bond 3170 0 0 3170 0
iii) PSUs 5123 18 0 3869 1777
iv) FIs 372 127 0 44 44
v) Banks 150 0 0 0 0
vi) Private Corporates 1868 120 227 500 692
vii) Subsidiaries/ Joint 421 421 421 421
Ventures/RRB/ Indo-Zambia
viii) Others 10483 0 438 5132 6508
TOTAL 33013 686 665 24562 20869
Less: Provision held 3921 0 0 0 0
towards depreciation
NET 29092 686 665 24562 20869
Note: Amounts reported under Columns 4, 5, 6 and 7 above may not be mutually exclusive
291
(iv) Non Performing Non-SLR Investments (including Matured Investments)

( ` in crore)
PARTICULARS 31.03.2019 31.03.2018
Opening Balance 2084.48 560.14
Additions during the year 653.74 1643.39
Reductions during the year 1191.36 119.05
Closing balance 1546.86 2084.48
Total provisions held 1333.64 1648.11
c. Derivatives
(i) Forward Rate Agreement / Interest Rate Swap
( ` in crore)
Items 31.03.2019 31.03.2018
i) The Notional Principal of Swap agreements 50.00 25.00
ii) Losses which would be incurred if counter parties failed to fulfill their 0.00 0.00
obligations under the agreements.
iii) Collateral required by the bank upon entering into swaps NIL NIL
iv) Concentration of credit risk arising from the swaps
– Foreign Bank NIL NIL
– Domestic Bank NIL NIL
v) The fair value of the swap book (0.42) 0.00*
* Figure is less than ` 1 lakh.
(ii) Forward Rate Agreement / Currency Rate Swap
( ` in crore)
Items 31.03.2019 31.03.2018
i) The Notional Principal of Swap agreements 344.19 334.07
ii) Losses which would be incurred if counter parties failed to fulfill their 3.65 4.97
obligations under the agreements.
iii) Collateral required by the bank upon entering into swaps NIL NIL
iv) Concentration of credit risk arising from the swaps
– Foreign Bank NIL NIL
– Domestic Bank NIL NIL
v) The fair value of the swap book NIL 0.99
(iii) Exchange Traded Interest Rate Derivatives:
( ` in crore)
Sr. Particulars 31.03.2019 31.03.2018
No.
Interest Rate Futures
i) Notional principal amount of exchange traded interest rate derivatives NIL NIL
undertaken during the year
ii) Notional principal amount of exchange traded interest rate derivatives NIL NIL
outstanding
iii) Notional principal amount of exchange traded interest rate derivatives NIL NIL
outstanding and not “highly effective
iv) Mark-to market value of exchange traded interest rate derivatives NIL NIL
outstanding and not “highly effective”
292
(iv) Exchange Traded Currency Derivatives:

( ` in crore)
Sr. Particulars 31.03.2019 31.03.2018
No.
i) Notional principal amount of exchange traded currency derivatives
undertaken during the year
a) Currency Futures 3211.51 11545.10
b) Currency Options 0.00 0.00
ii) Notional principal amount of exchange traded currency derivatives
outstanding
iii) Notional principal amount of exchange traded currency derivatives
iv) Mark-to market value of exchange traded currency derivatives
Disclosures on risk exposure in Derivatives
(v) Qualitative Disclosures

• Risk Management Policy approved by the Board of Directors for the use of derivative instruments to
hedge/trade is in place.
• Policy for Forward Rate Agreement, Interest Rate Swaps, Currency Futures and Interest Rate Futures for
Hedging the Interest Rate Risk in the Investment Portfolio and also for Market Making is in place.
• The risk management policies and major control limits like stop loss limits, counter party exposure limits
etc. as approved by the Board of Directors are in place.
Hedge Positions
• Accrual on account of interest expenses/income on the IRS are accounted and recognized as income/
expense.
• If the swap is terminated before maturity, the Mark to Market (MTM) loss/gain and accrual till such date
are accounted as expense/income under interest paid/received on IRS.
Trading positions
• Currency Future and Interest Rate Future are marked to market on daily basis as per exchange
guidelines of MCX-SX, NSE and United Stock Exchange.
• MTM profit/loss is accounted by credit/debit to the margin account on daily basis and the same is
accounted in bank’s profit & loss account on final settlement.
• Trading swaps are marked to market at frequent intervals. Any MTM losses are booked and gains if any
are ignored.
• Gains or losses on termination of swaps are recorded as immediate income/expense under the above
head
Outstanding Forward Contract Merchant & Interbank as on 31.03.2019 ( ` in crore)
Outstanding as on 31.03.2019 65214.97
Hedging Position 4936.31
Trading Position 60278.66
293
(vi)
Quantitative Disclosures
( ` in crore)
Sr. Particulars 31.03.2019 31.03.2018
No. Currency Interest rate Currency Interest rate
Derivatives derivatives Derivatives derivatives
i) Derivatives (Notional Principal Amount)
a) For hedging 4936.31 0.00 5463.05 0.00
b) For trading 60278.66 50.00 84383.91 25.00
ii) Marked to Market Positions
a) Asset (+) 1178.39 0.40 435.84 0.40
b) Liability (-) 1149.84 0.00 454.35 0.15
iii) Credit Exposure [1]
iv) Likely impact of one percentage change – 0.01 – 0.01
in interest rate (100*PV01)
a) On hedging derivatives – 0.00 – 0.00
b) On trading derivatives– – 0.01 – 0.01
v) Maximum and Minimum of100*PV01
observed during the year
a) On hedging – Max-0.00 – Max-0.00
Min-0.00 Min-0.00
b) On trading – Max - 0.04 – Max-0.04
Min - 0.01 Min-0.01
d. Asset Quality
(a) Non Performing Assets
( ` in crore)
Items 31.03.2019 31.03.2018
i) Net NPAs to Net Advances (%) 7.73 11.10
ii) Movement of NPAs (Gross)
a) Opening balance 38130.70 27251.33
b) Additions during the year 10328.64 17071.24
c) Reduction during the year (16103.30) (6191.87)
d) Closing balance 32356.04 38130.70
iii) Movement of Net NPAs
b) Additions during the year 7087.01 6246.83
c) Reduction during the year (13131.64) (3086.79)
iv) Movement of Provisions for NPAs (excluding provisions on Standard Assets)
b) Provisions made during the year 12471.57 10824.41
c) Write off/ write back / Transfer (12139.30) (3085.63)
294
(b) Particulars of Accounts Restructured :

( ` in crore)
*Excluding the figures of Standard Restructured Advances which do not attract higher provisioning or risk weight (if applicable).
** provision held is figure of sacrifice provision
# Includes account restructured in earlier years however identified during current financial Year.
$ Includes recovery during current Financial Year restructured accounts .
(c) Details of financial assets sold to Securitization/ Reconstruction Company for Asset Reconstruction
A. Details of Sales
( ` in crore)
Items 31.03.2019 31.03.2018
i) No. of accounts 6 2
ii) Aggregate value (net of provisions) of accounts sold to SC/ RC 864.89 105.33
iii) Aggregate consideration 1405.55 114.00
iv) Additional consideration realized in respect of accounts 37.73 1.47
transferred in earlier years.
v) Aggregate gain/(loss) over net book value 578.39 10.14
B. Details of Book Value of Investments in Security Receipts
The details of the book value of investments in security receipts is as under:
( ` in crore)
Particulars 31.03.2019 31.03.2018
(i) Backed by NPAs sold by the bank as underlying 2715.38 3116.96
(ii) Backed by NPAs sold by other banks / financial institutions / non 2.77 6.85
banking financial companies as underlying
Total 2718.15 3123.81
295
C. Details of Investment in Security Receipts

( ` in crore)
Particulars SRs issued SRs issued more SRs issued

within past than 5 years ago more than 8
5 years but within past 8 years ago
years
(i) Book Value of SRs backed by NPAs sold 2584.51 130.87 0.00
by the Bank as underlying
Provision held against (i) 1246.75 100.76 0.00
(ii) Book Value of SRs backed by NPAs sold 0.08 2.69 0.00
by other Banks/financial institutions/non-
banking financial companies as underlying
Provision held against (ii) 0.00 2.04 0.00
Total Book Value (i) + (ii) 2584.59 133.56 0.00
(d) Details of Non Performing Financial Assets purchased/ sold from/to other Banks
a. Details of Non Performing Financial Assets purchased:
( ` in crore)
Particulars 31.03.2019 31.03.2018

1 a No. of accounts purchased during the year NIL NIL
b Aggregate outstanding NIL NIL
2 a Of these, number of accounts restructured during the year NIL NIL
b Aggregate outstanding NIL NIL
b. Details of Non Performing Financial Assets sold:
( ` in crore)
Items 31.03.2019 31.03.2018

1 No. of accounts NIL NIL
2 Aggregate outstanding NIL NIL
3 Aggregate consideration received NIL NIL
(e) Provision on Standard Assets

( ` in crore)
Items 31.03.2019 31.03.2018
Provisions towards Standard Assets held 478.83 496.71
(f) Business Ratios
Sr. No. Items 31.03.2019 31.03.2018
(i) Interest Income as a percentage to Working Funds * 6.81 7.59
(ii) Non-interest income as a percentage to Working Funds* 0.73 0.83
(iii) Operating Profit as a percentage to Working Funds * 0.94 0.86
(iv) Return on Assets ** (1.70) (1.61)
(v) Business (Deposits plus advances) per employee*** (₹ in lacs) 1278.03 1270.64
(vi) Profit/(Loss) per employee (₹ in lacs) (15.55) (13.86)
* Working Funds comprise average of Total Assets (excluding Revaluation Reserve) during the 12 months
of the Financial Year.
** Working Funds comprise average Total Assets (excluding Revaluation Reserve)
*** Based on aggregate Deposits (other than Inter Bank Deposits) plus Advances.
296
g. Asset Liability Management

The maturity pattern of Total Deposits, Borrowings, Advances, & Total Investments under various
maturity buckets prescribed by Reserve Bank of India as of 31st March ‘ 2019 are as follows: -
( ` in crore)
Period Total Total Total Total Foreign Currency
Deposit Advances Investment Domestic Assets Liabilities
Borrowings *
Day 1 1515.25 3264.27 52434.82 4.45 276.98 423.65
2 days to 7 days 2085.70 1372.61 2120.17 32.32 162.03 236.37
8 days to 14 days 1862.05 168.64 1378.39 0.00 19.36 13.05
15 days to 30 days 5047.08 5864.02 1716.17 0.00 10.65 14.00
31 days to 2 months 7959.36 1368.86 2794.40 0.00 4.43 45.74
Above 2 months to 3 months 8056.37 2106.14 4720.28 32.62 194.84 23.95
Above 1 years to 3 years 135241.85 72141.86 6715.13 159.30 122.37 382.15
Above 3 years to 5 years 51835.10 15942.58 9306.65 5.87 9.34 159.47
Over 5 years 49475.87 33314.72 34737.14 0.31 0.28 0.00
Total 299855.43 146525.36 125298.07 299.96 1426.07 2024.51
Note : -
* Excluding those considered under Tier II Capital.
The above data has been complied on the basis of the Guidelines of RBI and certain assumptions made by
the Management and has been relied upon by the Auditors.
h. Exposures
(i) Exposure to Real Estate Sector ( ` in crore)
Category 31.03.2019 31.03.2018
a) Direct Exposure
(i) Residential Mortgages - 27083.50 22094.61
Lending fully secured by mortgages on residential property
that is or will be occupied by the borrower or that is rented:
(individual housing loans eligible for inclusion in priority
sector advances included above) (13955.55) (13595.91)
(ii) Commercial Real Estate – 4180.29 3803.25
Lending secured by mortgages on commercial real estates
(office buildings retail space multi-purpose commercial
premises multi-family residential buildings multi-tenanted
commercial premises industrial or warehouse space hotels
land acquisition development and construction etc.)
Exposure includes non-fund based (NFB) limit:
(iii) Investments in Mortgage Backed Securities
(MBS) and other securitized exposures –
- Residential 0.00 0.00
- Commercial Real Estate. 66.23 73.20
b) Indirect Exposure
(i) Fund based and non-fund based exposures on National
Housing Bank (NHB) and Housing Finance Companies
(HFCs). 2001.99 1365.03
TOTAL EXPOSURE TO REAL ESTATE SECTOR 19376.46 13740.18
297
(ii) Exposure to Capital Market

( ` in crore)
Items 31.03.2019 31.03.2018
i) Direct Investment in equity shares convertible bonds convertible 521.84 557.92
debentures and units of equity-oriented mutual funds the corpus of
which is not exclusively invested in corporate debt
ii) Advances against shares/ bonds/ debentures or other securities 2.95 0.00
or on clean basis to individuals for investment in shares (including
IPOs/ ESOPs) convertible bonds convertible debentures and units
of equities-oriented mutual funds
iii) Advances for any other purposes where shares or convertible 144.60 205.85
bonds or convertible debentures or units of equities-oriented mutual
funds are taken as primary security.
(iv) Advances for any other purposes to the extent secured by the 0.00 0.00
collateral securities of shares or convertible bonds or convertible
debentures or units of equity-oriented mutual funds ie where the
primary security other than shares/ convertible bonds/ convertible
debentures/ units of equity-oriented mutual funds does not fully
cover the advances.
(v) Secured and unsecured advances to stockbrokers and guarantees 327.30 333.15
issued on behalf of stockbrokers and market makers.
vi) Loans sanctioned to corporates against the securities of shares/ 0.00 0.00
bonds/ debentures or other securities or on clean basis for
meeting promoter’s contributions to the equity of new companies in
anticipation of raising resources.
vii) Bridge Loans to the companies against expected equity flows/ 0.00 0.00
issues.
viii) Underwriting commitments taken up by the banks in respect 0.00 0.00
of primary issue of shares or convertible bonds or convertible
debentures or units of equity-oriented mutual funds
ix) Financing to stock brokers for margin trading 0.00 0.00
x) All exposures to Venture Capital funds (both registered and 0.00 0.00
unregistered)
Total Exposure to Capital Market 926.79 1096.92
(iii) Risk Category-wise Country Exposure :
(` in crore)
Risk Category Exposure Provision Exposure Provision
(net) as at held as at (net) as at held as at
31.03.2019 31.03.2019 31.03.2018 31.03.2018
Insignificant 745.22 Nil 1236.57 Nil
Low 437.08 Nil 444.44 Nil
Moderate 49.26 Nil 53.37 Nil
High 46.42 Nil 33.79 Nil
Very High 0.57 Nil 28.49 Nil
Restricted 0.00 Nil 0.00 Nil
Off-credit 0.00 Nil 0.00 Nil
Total 1278.55 Nil 1796.66 Nil
As the Bank’s exposure for the year in respect of Foreign Exchange Transaction is less than 1% of total
assets of the Bank, no provision is considered necessary.
298
Details of Single borrower limit/Group Borrowers Limit exceeded by the Bank for which necessary
(iv)
Board approval has been obtained.
a. Single Borrower Limit exceeded by Bank ( ` in crore)
Name of the Borrower Exposure Total Exposure as Amount Outstanding
Ceiling Exposure % of Capital Outstanding as % of
Fund as on Capital
31.03.2019 Fund
Food Corporation of India 2439.97 2546.85 15.66 1338.58 8.23
Reliance Jio Infocom 2439.97 2880.00 17.71 2544.21 15.64
Godrej & Boyce 2439.97 2800.00 17.21 1445.32 8.89
Videocon Industries 2439.97 2843.00 17.48 2734.14 16.81
b. Group Borrower Limit exceeded by Bank : NIL
(v) Statement of Loans and Advances secured by Intangible Assets viz. Rights Licenses
Authorizations etc. which is shown as unsecured in Schedule-9.
Advances amounting to ₹ Nil (previous year ₹ Nil) against charge over intangible security such as Rights
Licences Authorization etc. are considered as unsecured.
The value of intangible security is ₹ Nil (previous year ₹ Nil)
(vi) In terms of RBI guidelines DBOD No.BP.BC.57/62-88 dated December 31, 1988, Inter-Bank
Participation Certificates (IBPC) of ₹ Nil as on March 31, 2019 (Previous year ₹ 2,115.52 crore were
issued on risk sharing basis for a maximum period of 120 days ending July 30, 2018, thereby
reducing the Bank’s Total Advances as on March 31, 2018 to same extent.)
(vii) Sale and transfer to / from HTM category
During the year ended Mar 31, 2019 the value of sales and transfers of securities to/from HTM
category (excluding one-time transfer of securities to/from HTM category with the approval of Board
of Directors permitted to be undertaken by banks at the beginning of the accounting year sale to RBI
under pre-announced Open Market Operation auctions and repurchase of Government securities by the
government of India) had exceeded 5% of the book value of the investments held in HTM category at
the beginning of the year. The market value of investments held in the HTM category was ₹ 75022 crore
whose book value is ₹ 74570 crore as on March 31, 2019 which includes investments in subsidiaries/joint
ventures carried at cost. The book value of such investments being lower than market value, no provision
is required to be made.
7. Disclosure of penalties imposed by RBI

RBI has imposed a penalty of ₹ 1.16 crore (pevious year ₹ 0.91 crore) in terms of Section 47A(1)(a) read with Section
46(4)(i) of the Banking Regulation Act 1949 for non-compliance of RBI norms.
8. I. Disclosure regarding concentration of Deposits Advances Exposures and NPAs:

8.1 Concentration of Deposits ( ` in Crore)
Particulars 31.03.2019 31.03.2018
(a) Total Deposits of twenty largest depositors 14654.59 18098.73
(b) Percentage of Deposits of twenty largest depositors to Total Deposits of the 4.89% 6.14%
bank
8.2 Concentration of Advances ( ` in Crore)
Particulars 31.03.2019 31.03.2018
(a) Total Advances to twenty largest borrowers 16180.76 23203.00
(b) Percentage of Advances of twenty largest borrowers to Total Advances of 9.65% 13.07%
the bank
Advances represents credit exposure as per RBI norms
299
8.3 Concentration of Exposures ( ` in Crore)

Particulars 31.03.2019 31.03.2018
(a) Total Exposure to twenty largest borrowers/customers 30600.38 33006.00
(b) Percentage of Exposures to twenty largest borrowers/customers to Total 12.00% 13.54%
Exposure of the bank on borrowers/customers
Advances represents credit and investment exposure as per RBI norms
8.4 Concentration of NPAs ( ` in Crore)
Particulars 31.03.2019 31.03.2018
(a) Total Exposure to top four NPA accounts 5820.88 6563.53
II. Sectorwise advances:

( ` in Crore)
S.No Sector 31.03.2019 31.03.2018
Outstanding Gross NPAs Percentage Outstanding Gross NPAs Percentage
Total of Gross Total of Gross
Advances NPAs to Total Advances NPAs to Total
Advances in Advances in
that sector that sector
A Priority Sector
1 Agriculture and allied 35655.42 3446.76 9.67 34191.98 2515.62 7.36
activities
2 Advances to industries 11287.64 2288.24 20.27 13241.66 2299.01 17.36
sector eligible as priority
sector lending
3 Services 19780.88 2945.76 14.89 19234.93 2216.56 11.52
4 Personal loans 16477.36 1007.58 6.11 16166.06 793.55 4.91
Sub-total (A) 83201.30 9688.34 11.64 82834.63 7824.74 9.45
B Non Priority Sector
1 Agriculture and allied 0.00 0.00 0.00 0.00 0.00 0.00
activities
2 Industry 48682.02 19035.17 39.10 57886.75 25775.72 44.53
3 Services 16126.42 2916.55 18.09 22677.46 4183.18 18.45
4 Personal loans 19719.17 715.98 3.63 14085.21 347.05 2.46
Sub-total (B) 84527.61 22667.70 26.82 94649.42 30305.96 32.02
Total (A+B) 167728.91 32356.04 19.29 177484.04 38130.70 21.48
III. A. Movement of NPAs ( ` in crore)

Particulars 31.03.2019 31.03.2018
Gross NPAs *as on 1st April (opening Balance) 38130.70 27251.33
Additions (Fresh NPAs) during the year 10328.64 17071.24
Sub Total (A) 48459.34 44322.57
Less:-
(i) Upgradation 567.53 785.12
(ii) Recovery (excluding recoveries made from upgraded 5160.56 2403.34
accounts)*
Sale of NPA 0.00 79.80
(iii) Technical/Prudential Write-Offs 8522.52 2606.53
(iv) Write-offs other than those under (iii) above 1852.69 317.08
Sub-total (B) 16103.30 6191.87
Gross NPAs as on 31st March (closing balance) (A-B) 32356.04 38130.70
300
B. Technical write-off and the recoveries: ( ` in crore)

Particulars 31.03.2019 31.03.2018
Opening balance of Technical/Prudential written-off accounts as at April 1 9239.32 6954.63
Add: Technical/Prudential write-offs during the year 8522.52 2606.53
Sub-total (A) 17761.84 9561.16
Less: Recoveries made from previously technical/prudential written-off accounts 1684.04 321.84
during the year (B) *
Closing balance as at March 31 (A-B) 16077.80 9239.32
*includes conversion to Regular write off of ₹ 1184.63 crores (Previous year ₹ 5.58 crore)
IV. Overseas Assets NPAs and Revenue ( ` in crore)

Particulars 31.03.2019 31.03.2018
Total Assets NIL NIL
Total NPAs NIL NIL
Total Revenue NIL NIL
V. Off-Balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)
Name of the SPV sponsored
Domestic Overseas
NIL NIL
VI. Disclosures relating to Securitisation: (` in crore)

S. No. Particulars 31.03.2019 31.03.2018
1. No of SPVs sponsored by the bank for securitization transactions* NIL NIL
2. Total amount of securitized assets as per books of the SPVs sponsored NIL NIL
by the bank
3. Total amount of exposures retained by the bank to comply with MRR as NIL NIL
on the date of balance sheet
a) Off-balance sheet exposures NIL NIL
First loss NIL NIL
Others NIL NIL
b) On-balance sheet exposures NIL NIL
First loss NIL NIL
Others NIL NIL
4 Amount of exposures to securitisation transactions other than MRR NIL NIL
a) Off-balance sheet exposures NIL NIL
i) Exposure to own securitizations NIL NIL
First loss NIL NIL
Loss NIL NIL
ii) Exposure to third party securitisations NIL NIL
First loss NIL NIL
Others NIL NIL
b) On-balance sheet exposures NIL NIL
i) Exposure to own securitisations NIL NIL
First loss NIL NIL
Others NIL NIL
ii) Exposure to third party securitisations NIL NIL
First loss NIL NIL
Others NIL NIL
*Only the SPVs relating to outstanding securitisation transactions may be reported here
301
VII. Intra-Group Exposures: (` in crore)
Particulars 31.03.2019 31.03.2018

(a) Total amount of intra-group exposures 706.42 692.62
(b) Total amount of top-20 intra-group exposures( there are only 6 companies 706.42 692.62
in this category)
(c) Percentage of intra-group- exposures to total exposure of the bank on 0.28% 0.29%
borrowers/customers
(d) Details of breach of limits on intra-group exposures and regulatory action Nil Nil
thereon if any
VIII. Transfer to Depositor Education and Awareness Fund (DEAF): (` in crore)

Particulars 31.03.2019 31.03.2018
Opening balance of amounts transferred to DEAF 83.61 61.69
Add: Amount transferred to DEAF during the year 168.69 23.17
Less: Amount reimbursement by DEAF towards claims 1.15 1.25
Closing balance of amounts transferred to DEAF 251.15 83.61
There are certain eligible credit balances in the nature of unlocated deposit which are not yet remitted pending
reconciliation.
9. Liquidity Cover
LCR Disclosure ( ` in crore)
31.03.2019 31.03.2018
Total Total Total Total
Unweighted Weighted Unweighted Weighted
Value Value Value Value
(average) (average) (average) (average)
High Quality Liquid Assets
1 Total High Quality Liquid Assets (HQLA) 85927.25 90761.49
Cash Outflows
2 Retail deposits and deposits from small business
customers of which:
(i) Stable deposits 72633.00 3631.75 70192.60 3509.63
(ii) Less stable deposits 184159.00 18415.75 175726.27 17572.63
3 Unsecured wholesale funding of which:
(i) Operational deposits (all counterparties) 0.00 0.00 0.00 0.00
(ii) Non-operational deposits (all counterparties) 36819.75 15820.25 48090.22 21432.50
(iii) Unsecured debt 0.00 0.00 0.00 0.00
4 Secured wholesale funding 0.00
5 Additional requirements of which
(i) Outflows related to derivative exposures and other 10491.00 10491.00 8563.56 8701.25
collateral requirements
(ii) Outflows related to loss of funding on debt products 0.00 0.00 0.00 0.00
(iii) Credit and liquidity facilities 21291.25 2230.25 21344.93 2148.50
6 Other contractual funding obligations 1785.00 1785.00 1316.66 1358.90
7 Other contingent funding obligations 19813.50 594.50 24491.51 753.85
8 Total Cash Outflows 52968.50 55477.26
302
31.03.2019 31.03.2018
Total Total Total Total
Unweighted Weighted Unweighted Weighted
Value Value Value Value
(average) (average) (average) (average)
Cash Inflows
9 Secured lending (e.g. reverse repos) 11499.00 0.00 32815.47 0.00
10 Inflows from fully performing exposures 2883.75 2883.75 2277.90 2277.90
11 Other cash inflows 24501.25 19378.25 23674.46 17368.41
12 Total Cash Inflows 38884.00 22262.00 58767.84 19646.31
Total Adjusted Value Total Adjusted Value
13 TOTAL HQLA 85927.00 90761.49
14 Total Net Cash Outflows 30706.50 35830.95
15 Liquidity Coverage Ratio (%) 279.83 253.30
LCR Qualitative Disclosures:
Liquidity Coverage Ratio (LCR) Qualitative Disclosures
Line items significant to LCR Explanatory Notes

a The main drivers of the LCR The main drivers of LCR results are :
results and the evolution of the 1) High Quality Liquid Asset (HQLA) is one of the major drivers of
contribution of inputs to the LCR, the major portion of HQLA consists of facility to avail liquidity
LCR’s calculation under Marginal Standing Facility (MSF) & LCR. Other major heads
impacting HQLA are investment in government securities/ guaranteed
by government.
2) Cash Outflow is another major driver of LCR. The main components
of cash outflows are less stable retail deposit, funding from other legal
entity and net derivative cash outflow.
3) Yet another major driver of LCR is Cash Inflow. The main components
of cash inflows are inflows by counterparty and net derivative cash
inflow.
b Intra-period changes as well as Not Applicable
changes over time
c The composition of HQLA The HQLA comprises of the following:
1. Level 1 assets comprises of surplus SLR investments (net of
encumbered against REPO, CBLO, MSF, CROMS, other securities
pledged for RTGS, SGF, MCX, NSCCL etc) and 2% of NDTL
applicable for MSF and 13% of NDTL (FALLCR) as per RBI circular
no. RBI/2018-19/98 DBR.BP.BC.No.17/21.04.098/2018-19 dated
28.12.2018.
2. Level 2A assets comprises of Special (Discom) Bonds issued by State
Government, Bonds issued by State Power Distribution Companies,
Central Government PSUs excluding the finance companies.
3. Level 2A assets also comprises of bonds of private corporates having
rating of AA- and above excluding the finance companies.
4. Level 2B assets comprises of bonds of corporates having rating of
BBB- to A+ excluding the finance companies.
5. Level 2B assets also comprises of NIFTY/SENSEX shares excluding
the finance companies.
303
d Concentration of funding sources Bank addresses the funding concentration by monitoring their funding from
each significant counterparty, each significant product / instrument and
each significant currency (‘significant’ is defined as aggregate amount is
more than 1% of the bank’s liabilities).
e Derivative exposures and Derivative exposure of the bank consists of the following:
potential collateral calls 1. OTC Derivatives
a) Forwards
b) Currency Swaps
c) Interest Rate Swap
2. Exchange Traded Derivatives
a) Currency Futures
b) Interest Rate Futures
Potential collateral call comes into question if the trades take place on
the Exchange or the settlement takes place through Central Counterparty
and is guaranteed and also if the Credit Support Annex(CSA) which is
an attachment to the ISDA Master Agreement , is signed with the
counterparties.
For exposure of trades under Currency Futures and Interest Rate Futures
bank is maintaining margins in the form of collaterals (G-Secs) and the
same is being maintained depending on the amount of exposure and the
volatility in the market.
All Interbank USD/INR Swaps and forwards are being settled through CCIL
which is a Central Counterparty (CCP). Bank is maintaining margins in
the form of collaterals (G-Secs) with CCIL for guaranteed settlement of
Interbank USD/INR Swaps and Forwards.
The amount of margin depends on the amount of exposure and the
volatility in the respective markets. The additional margin is being
maintained with the Exchange/ CCP as and when the call is made for the
same.
At present, bank does not have in place the Credit Support Annex with any
counterparty. As such, no potential collateral call will arise.
f Currency mismatch in the LCR To capture potential currency mismatches, the LCR in each significant
currency is monitored. A currency is considered as “significant” if the
aggregate liabilities denominated in that currency amount to 5 per cent or
more of the bank’s total liabilities. Bank doesn’t have currency mismatch in
LCR as bank does not have exposure in ‘significant’ currency.
g Degree of centralisation of Liquidity management in the bank is centralized and monitored by ALM
liquidity management and & Treasury team. Interaction between treasury, CBS, ALM team & other
interaction between the group’s functional units are seamless.
units
h Other inflows and outflows in None

the LCR calculation that are not
captured in the LCR common
template but which the institution
considers to be relevant for its
liquidity profile.
i Other Information None
304
10. Other Disclosures

Insurance Business :
Fees/ remunerations received in respect of the Bancassurance Business during the current year is as under :
Particulars 31.03.2019 31.03.2018
No. of policies Amount No. of policies Amount
(` in crore) (` in crore)
Life 20883 10.02 25659 11.03
Non Life 186558 10.59 201218 10.39
Total 20.61 21.42
11. The following information is disclosed in terms of Accounting Standards issued by The Institute of Chartered
Accountants of India:
a) Accounting Standard - 9
Certain items of income are recognized on realization basis as per significant accounting policy No. 8. However
the said income is not considered to be material.
b) Accounting Standard - 15 (Revised)

Defined Contribution Plan:
National Pension Scheme (NPS):-
During the year Bank has recognized ₹ 79.62 crore (Previous year ₹ 67.82 crore) as contribution to NPS in profit
& loss account.
Defined Benefit Plan:
Reconciliation of opening and closing balance of the present value of the defined benefit obligation for
pension and gratuity benefits as per actuarial valuations is given below: (` in crore)
Particulars 31.03.2019 31.03.2018

Gratuity Pension Gratuity Pension
Table showing change in Defined Benefit Obligation:
Liability at the beginning of the year 1741.56 13,821.17 1847.13 12484.08
Interest Cost 136.36 1,076.67 134.29 930.06
Current Service Cost 66.18 83.98 69.13 87.53
Past Service Cost(Non Vested Benefit ) 0 0 0 0
Past Service Cost(Vested Benefit) 0 0 329.37 0
Liability Transfer in 0 0 0 0
Liability Transfer out 0 0 0 0
Benefit Paid (270.50) (1,170.59) (157.20) (952.30)
Actuarial (gain)/loss on obligations 25.47 433.87 (481.16) 1271.80
Liability at the end of the year 1648.13 14,245.10 1741.56 13821.17
Table of Fair Value of Plan Assets:
Fair Value of Plan Assets at the beginning of the year 2124.94 13,515.58 1656.73 12420.00
Expected return on Plan Assets 166.38 1,048.81 120.44 925.29
Contributions (100.00) 1,324.00 490.40 859.08
Transfer from Other Company 0 0 0 0
Transfer from / to Company 0 0 0 0
Benefit paid (270.50) (1,170.59) (157.20) (952.30)
Actuarial Gain/(loss)on Plan Assets (42.56) (72.66) 14.57 263.51
Fair Value of Plan Assets at the end of the year 1878.26 14,645.14 2124.94 13515.58
Total Actuarial Gain/(loss) to be recognized (17.09) (506.33) 495.73 (1008.29)
305
Particulars 31.03.2018 31.03.2017

Expenses recognized in the Profit & Loss Account:
Interest Cost 136.36 1076.67 134.29 930.06
Expected Return on Plan Assets (166.38) (1048.81) (120.44) (925.29)
Past Service Cost(Non Vested Benefit) recognized 0 0 0 0
Past Service Cost(Vested Benefit) recognized 0 0 329.37 0
Recognition of Transition Liability 0 0 0 0
Actuarial (Gain) or Loss 17.09 506.53 (495.73) 1008.29
Expenses Recognized in P & L 53.25 618.37 (83.38) 1100.59
Actual Return on plan assets:
Expected return on plan assets 166.38 1048.81 120.44 925.29
Actuarial gains/(losses) on plan assets – Due to (42.56) (72.66) 14.57 263.51
Experience
Actual return on plan assets 123.82 976.15 135.01 1188.80
Experience adjustments:
Actuarial (gains)/losses on obligation – Due to experience (29.08) 422.24 (511.99) 1029.93
Actuarial (gains)/losses on plan assets – Due to (42.56) (72.66) 14.57 263.51
experience
Particulars 31.03.2019 31.03.2018

Principal actuarial assumption used (%)
Discount Rate Current 7.79 7.78 7.83 7.76
Rate of return on Plan Assets Current 7.79 7.78 7.83 7.76
Salary Escalation Current 5.00 5.00 5.00 5.00
Attrition Rate Current 0.50 0.50 0.50 0.50
Other long term benefits:

During the year bank has recognized expenses of ₹ 84.09 crore (Pervious year ₹ 72.94) towards leave
encashment expenses based on actuarial valuation.
c) Accounting Standard 17 – Segment Reporting
As per the revised guidelines of Reserve Bank of India the Bank has recognised Treasury Operations Corporate/
Wholesale Banking Retail Banking and other Banking business as primary reporting segments. There are no
secondary reporting segments.
306
* Segment Revenue and Expenses have been apportioned on the basis of the segment assets wherever direct
allocation is not possible. Figures have been regrouped wherever considered necessary to conform to current year
classification.
ii) Treasury Operations include dealing in Government and Other Securities Money Market operations and Forex
operations.
iii) The Retail Banking Segment consists of all exposures upto a limit of ₹ 5 crore (including Fund Based and
Non Fund Based exposures) subject to orientation product granularity criteria and individual exposures.
iv) The Corporate/ Wholesale Segment consist of all advances to Trusts/ Partnership Firms Companies and
statutory bodies which are not included under Retail Banking.
v) The other Banking Segment includes all other Banking operations not covered under the above three
categories.
vi) Retail Banking Segment is the Primary resource mobilizing unit and Treasury Segment compensates the
Retail Banking Segment for funds lent by it to them taking into consideration the average cost of deposits
incurred by it.
d) Related Party disclosures as per Accounting Standard 18 – Related Party

1 List of Related Parties:
(a) Key Managerial Personal –
Name Designation
i) Mr. Pallav Mohapatra (w.e.f. 21.09.2018) Managing Director & CEO
ii) Mr. P.R. Murthy Executive Director
iii) Mr. Bajrang Shekhawat Executive Director
iv) Mr. Alok Srivastava (w.e.f. 23.01.2019) Executive Director
Subsidiaries –
(b)
i) Cent Bank Home Finance Ltd.
ii) Cent Bank Financial & Custodial Services Ltd.
Associates
(c)
i) Regional Rural Banks
i) Central Madhya Pradesh Gramin Bank, Chhindwara (Madhya Pradesh)
ii) Uttar Bihar Gramin Bank, Muzzaffarpur (Bihar)
iii) Uttarbanga Kshetriya Gramin, Bank, Cooch Behar (West Bengal)
ii) Indo – Zambia Bank Ltd., Zambia
2. Transactions with Related Parties:
Remuneration paid to key managerial persons: (` In Lakhs)
Name Designation Key Management

Personnel
31.03.2019 31.03.2018
Mr. Pallav Mohapatra (w.e.f. 21.09.2018) Managing Director & CEO 14.68 0.00
Mr. Rajeev Rishi (upto 31.07.2018) Managing Director & CEO 39.50 30.13
Mr. B.K. Divakara (upto 22.01.2019) Executive Director 46.55 23.70
Mr. R. C. Lodha (upto 28.02.2017) Executive Director 0.00 0.42
Mr. P.R. Murthy Executive Director 24.98 23.54
Mr. Bajrang Shekhawat Executive Director 24.47 10.93
Mr. Alok Srivastava (w.e.f. 23.01.2019) Executive Director 4.60 0.00
TOTAL 154.79 88.72
307
Note: Keeping in line with para 9 of the AS – 18 – “Related Party Disclosure” issued by ICAI, the transactions
with the Subsidiaries and Associates Enterprises have not been disclosed which exempts the State Controlled
Enterprises from making any disclosures pertaining to transactions with other related State Controlled
Enterprises.
e) Accounting Standard 20 – Earnings per Share

Earnings per share as per AS 20 has been arrived at as follows:
Particulars 31.03.2019 31.03.2018
Net Loss after Tax available for Equity Share Holder (₹in Crore) (5641.48) (5104.90)
Weighted Average number of Equity Share (No.) 2794601814 1937882867
Basic Earnings per Share (₹) (20.19) (26.34)
Diluted Earnings per Share (₹) (20.19) (26.34)
Nominal Value per Share (₹) 10 10
f) Accounting Standard 22 –Accounting for Taxes on Income

Keeping in view the significant provisioning requirements and revision in guidelines of Deferred Tax Assets (DTA)
in CET1 calculation by RBI tax review based on management’s estimate of possible tax benefits against timing
difference has been carried out and ₹ 7894.01 Crore has been recognized as Deferred Tax Assets as at 31st
March 2019. Component of deferred tax assets/ liabilities as on 31st March 2019 are as under:
( ` in crore)
Particulars Deferred Tax Assets Deferred Tax Liability
31.03.2019 31.03.2018 31.03.2019 31.03.2018
Business Loss 346.89 0.00 0.00 0.00
Depreciation on Fixed Assets 0.00 0.00 27.77 21.24
Interest accrued but not due on investments 0.00 0.00 645.15 586.56
Provision for Leave Encashment 250.87 221.49 0.00 0.00
Provision for Investments 0.00 575.91 0.00 0.00
Provision for Loans and Advances 8004.11 5213.37 0.00 0.00
Special Reserve u/s36(1)(viii) of I.T. Act 1961 0.00 0.00 34.94 34.94
TOTAL 8601.87 6010.77 707.86 642.74
Net Deferred Tax Asset/Liability 7894.01 5368.03
Net increase in Deferred Tax Assets for the year 2018-19 is ₹ 2525.98 crore (Previous year ₹ 3014.35 crore) has
been recognized in profit & loss account.
g) Accounting Standard – 28 –Impairment of Assets

A substantial portion of Bank’s assets comprise financial assets to which Accounting Standard-28 on impairment of
assets is not applicable. In the opinion of the Management there is no material impairment on Other Assets other
than financial assets as at March 31, 2019 requiring recognition in terms of the Standard.
h) Accounting Standard – 29 on Provisions Contingent Liabilities and Contingent Assets

(i) Provisions and Contingencies
(` in crore)
Break-up of Provisions and Contingencies shown under the head 31.03.2019 31.03.2018
Expenditure in P&L Account
Provisions/Depreciation on Investment(Net) 983.88 794.17
Provision towards NPA 11029.86 10543.58
Provision towards Standard Asset (114.93) 6.31
Provision made for Taxes (2528.74) (2791.07)
Provision for Restructured Advances (425.02) (950.62)
Other Provisions (177.08) 235.52
TOTAL 8767.97 7837.89
308
(ii)
Floating Provisions (` in crore)
Particulars 31.03.2019 31.03.2018
A Opening balance in the Floating Provisions account 100.56 100.56
B The quantum of Floating Provisions made in the Accounting Year–– – –
C Amount of draw down made during the Accounting Year.–– – –
D Closing balance in the Floating Provisions account 100.56 100.56
(iii) Countercyclical Provisioning Buffer: (` in crore)
Particulars 31.03.2019 31.03.2018
A Opening balance in the Countercyclical Provisions account 47.34 47.34
B The quantum of Countercyclical Provisions made in the Accounting – –
Year––
C Amount of draw down made during the Accounting Year.–– – –
D Closing balance in the Countercyclical Provisions account 47.34 47.34
12. Details of Complaints

Customer Complaints(excluding ATM & Central Card) No. of complaints
31.03.2019 31.03.2018
a) Pending at the beginning of the year 654 681
b) Received during the year 11131 10558
c) Redressed during the year 11464 10585
d) Pending at the end of the year 321 654
Awards Passed by Banking Ombudsman Numbers

31.03.2019 31.03.2018
a) No. of unimplemented Awards at the beginning of the year NIL NIL
b) No. of Awards passed by Banking Ombudsman during the year NIL NIL
c) No. of Awards implemented during the year NIL NIL
d) No. of unimplemented awards at the end of the year NIL NIL
As compiled by the Management and relied upon by the auditors.
Investors’ complaints No. of complaints
31.03.2019 31.03.2018
a) Pending at the beginning of the year 0 0
b) Received during the year 73 127
c) Redressed during the year 73 127
d) Pending at the end of the year 0 0
Complaints pertaining to ATM Transactions

Customer Complaints 31.03.2019 31.03.2018
a) No. of complaints Pending at the beginning of the year 2917 2806
b) No. of complaints Received during the year 310581 165747
c) No. of complaints Redressed during the year 310842 165636
d) No. of complaints Pending at the end of the year 2656* 2917
*Out of which, as on 12.04.2019, 738 complaints are pending and all are within turn around time.
309
Complaints pertaining to Central Card Transactions
Customer Complaints 31.03.2019 31.03.2018
a) No. of complaints Pending at the beginning of the year 8 0
b) No. of complaints Received during the year 8824 7962
c) No. of complaints Redressed during the year 8832 7954
d) No. of complaints Pending at the end of the year 0 8
13. Details of Letter of Comfort issued by banks and outstanding as on 31.03.2019

( ` in crore)
Particulars 31.03.2019 31.03.2018
Letter of Comforts issued during the year 0.00 1744.59
Letter of Comforts matured/cancelled during the year 819.09 2199.07
Letter of Comforts outstanding as at the end of year 0.00 819.09
The above mentioned Letters of Comfort are issued within the sanctioned Trade Credit Limits.
14. Provisioning Coverage Ratio (PCR)

The PCR (ratio of Provisioning to Gross NPA) stood at 76.60 % (Previous Year 63.31%)
15. As per the information complied by the Management the Vendors whose services are utilized and from whom
purchases were made by the Bank are not registered under Micro Small and Medium Enterprises Development Act
2006. This is relied upon by the Auditors.
16. Unhedged Foreign Currency exposure:

Unhedged Foreign Currency exposure as on 31.03.2019: ₹ 5612.12 Crores (As on 31.03.2018 ₹ 4310.81 crore)
Bank has taken into consideration the exchange risks arising out of volatility in the forex market and accordingly
has made suitable provisions to reduce the risks. Bank has also taken into consideration credit risks arising out of
unhedged Foreign currency exposure and accordingly Bank has put in place risk mitigation measures. Total Provision
made for exposures to entities with UFCE for the year ended March 31, 2019 is Rs. 1.62 crores (Previous Year: Rs.
3.00 Crore)
17. Provision for Frauds :

In terms of RBI circular RBI/2015-16/376/DBR.No.BP.BC.92/21.04.048/2016-16 dated 18.04.2016 details of Fraud and
Provision are as below:-
( ` in crore)
YEAR No. of Frauds Amount Provision Un-Amortised Un-Amortised Provision

Reported Involved Made Provision as on Date 31.03.2019
2018-19 650 2895.13 2895.13 NIL NIL
( ` in crore)
YEAR No. of Frauds Amount Provision Un-Amortised Un-Amortised Provision

Reported Involved Made Provision as on Date 31.03.2018
2017-18 209 1399.93 1399.93 NIL NIL
310
18. Credit Default Swaps

Bank has not taken any position in Credit Default Swap in the financial year 2018-19(Previous Year-Nil).
19. Implementation of the Guidelines on Information Security Electronic Banking Technology

Risk Management and Cyber Frauds
The bank has formulated policies as per RBI circular RBI/2010-11/494 DBS. CO. ITC. BC. No. 6/31.
02.008/2010-11dated April 29 2011. These policies are being reviewed by the management of the bank on periodical
basis. The policies were last reviewed by the Board of Directors in the meeting held on 28.03.2019.
20. Disclosure with respect to NCLT provisions:-

As per RBI circular No. DBR No.BP.15199/21.04.048/2016-17 and DBR No.BP.1906/21.04.048/2017-18 dated June 23,
2017 and August 28, 2017 respectively, for the accounts covered under the provisions of Insolvency and Bankruptcy
Code (IBC), the Bank is holding total provision of ₹ 6,479.59 crores (86.34% of total outstanding) as on March 31,
2019.
21. Disclosure of Divergence in Asset Classification and Provisioning for NPAs

As the additional provisioning requirements assessed by RBI for FY 2017-18 exceeded threshold limit of 10% of the
reported profit before provisions and contingencies, the following disclosure is made pursuant to RBI circular no. DBR.
BP.BC.No. 32/21.04.018/2018-19 dated 01.04.2019 regarding Divergence in Asset Classification and Provisioning:
Sr. No. Particulars Amount

( ` in crore)
1. Gross NPAs as on March 31, 2018 as reported by the Bank 38130.70
2. Gross NPAs as on March 31, 2018 as assessed by RBI 38766.90
3. Divergence in Gross NPAs (2 – 1) 636.20
4. Net NPAs as on March 31, 2018 as reported by the Bank 17377.87
5. Net NPAs as on March 31, 2018 as assessed by RBI 17830.67
6. Divergence in Net NPAs (5 – 4) 452.80
7. Provisions for NPAs as on March 31, 2018 as reported by the Bank 19601.31
8. Provisions for NPAs as on March 31, 2018 as assessed by RBI 20743.31
9. Divergence in provisioning (8 – 7) 1142.00
10. Reported Net Profit after Tax (PAT) for the year ended March 31, 2018 (5104.90)
11. Adjusted (Notional) Net Profit after Tax (PAT) for the year ended March 31, 2018 after (6246.90)
taking into account the divergence in provisioning
The Bank had duly recorded the impact of the above in its working results for the year ended March 31, 2019.
22. The RBI had permitted Banks vide its Circular DBR.No.BP.BC.108/21.04.048/2017-18 dated 6th June 2018 to continue
the exposures to MSME borrowers to be classified as standard assets. Accordingly, the bank has retained advances of
Rs.241.68 crores as standard assets as on 31.03.2019. In accordance with the provisions of the circular, the bank has
not recognized un-realized interest on these accounts and maintained a standard assets provision of Rs.12.08 crores
(@ 5% on Rs.241.68 crores) as on March 31, 2019 in respect of such borrowers. Further, in accordance with RBI vide
circular no. DBR.No.BP.BC.18/21.04.048/2018-19 dated 1st January 2019, on “Relief for MSME borrowers registered
under Goods and Service Tax (GST)” the details of MSME restructured accounts as on 31.03.2019 as under:-
No. of Accounts Restructured Amount

( ` in crore)
1202 97.13
311
23. Priority Sector Lending Certificate (PSLC) sold / (purchased) under General Category. The details are as under:-
( ` in crore)
Note : -ve indicates sale of PSLC and +ve indicates purchase of PSLC.
Commision Rate for the above PSLC’s ranges from 0.01% to 1.48%.
24. Disclosure with respect to spreading of MTM Losses

The RBI had permitted Banks vide its Circular DBR.No.BP.BC.113/21.04.048/2018-19 dated 15th June 2018, to spread
MTM losses on investments held in AFS and HFT category for the quarter ended 30th June 2018, over four quarters
commencing from that quarter, in which loss has been incurred such loss amounting to ₹ 74.81Crore during the
quarter ended 30th June, 2018 and provided ¼ of such loss each in June and September 2018 quarters by availing
the benefit permitted for staggering of provision and un-amortised balance was ₹ 37.40 Crore. Since Bond rate has
eased as on 31.12.2018 deferred provision was not required. Consequent to the above, entire MTM Losses stands
fully covered as on 31.03.2019.
25. Draw Down from Reserves

During the Financial Year 2018-19, there has been no draw down from the reserves (Previous Year – NIL).
26. Previous year figures have been re-grouped / re-classified wherever considered necessary to confirm to current year’s
classification.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
312
CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2019
(` In Crore)
Sn Particulars 31- 03- 2019 31- 03- 2018
A CASH FLOW FROM OPERATING ACTIVITIES
Net Profit/(Loss) before taxes (8,170.22) (7,895.97)
I Adjustments for:
Depreciation on fixed assets 277.72 260.31
Depreciation on investments (including on matured debentures) 983.88 794.17
Bad Debts written off/Provision in respect of non performing assets 10,626.30 9,564.62
Provision for Standard Assets (114.93) 6.31
Provision for Other items (Net) (198.54) 263.86
(Profit) / Loss on sale of fixed assets (Net) 4.43 4.50
Dividend Received from Subsidiaries (5.22) (10.10)
Sub total 3,403.42 2,987.70
II Adjustments for :
Increase / (Decrease) in Deposits 5,016.58 (1,832.33)
Increase / (Decrease) in Borrowings (467.06) (3,576.33)
Increase / (Decrease) in Other Liabilities and Provisions (1,103.64) (1,835.07)
(Increase) / Decrease in Advances (609.48) (26,708.03)
(Increase) / Decrease in Investments (23,650.34) (11,330.90)
(Increase) / Decrease in Other Assets 2,635.47 (1,807.22)
Direct Taxes paid (Net of Refund etc) 187.43 (293.85)
Sub total (17,991.04) (47,383.73)
NET CASH FLOW FROM OPERATING ACTIVITIES (A) (14,587.62) (44,396.03)
B CASH FLOW FROM INVESTING ACTIVITIES

Sale / Disposal of Fixed Assets 3.48 4.12
Purchase of Fixed Assets (254.12) (314.25)
Dividend Received from Associates/Subsidiaries 5.22 10.10
NET CASH FLOW FROM INVESTING ACTIVITIES (B) (245.42) (300.03)
C CASH FLOW FROM FINANCING ACTIVITIES

Share Capital (Including Share Premium) 6,592.00 5,158.00
Share Application Money 212.54 –
Dividend - Equity shares Inculding Interim Dividend – –
Dividend Tax] – –
NET CASH FLOW FROM FINANCING ACTIVITIES (C) 6,804.54 5,158.00
D Net increase in cash & cash equivalents (A + B + C) or (F - E) (8,028.50) (39,538.06)
313
CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2019
(` In Crore)
Sn Particulars 31- 03- 2019 31- 03- 2018
E CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR

Cash and Bank Balance with RBI 35,999.91 75,086.76
Balance with Banks and Money at Call and Short Notice 3,228.53 3,679.74
Net cash and cash equivalents at the beginning of the year (E) 39,228.44 78,766.50
F CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR

Net cash and cash equivalents at the end of the year (F) 31,199.94 39,228.44
Notes:
1) The above Cash Flow Statement has been prepared under the ‘Indirect Method’ as set out in the Accounting Standard
-3 on Cash Flow Statement issued by ICAI.
2) Previous year figures have been regrouped/rearranged to conform to those of current years.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 15, 2019
314
PILLAR 3 (BASEL III) DISCLOSURES AS ON 31.03.2019

Table DF-1: Scope of Application
(i) Qualitative Disclosures:

The disclosure in this sheet pertains to Central Bank of India on solo basis.
In the consolidated accounts (disclosed annually), bank’s subsidiaries/associates are treated as under
a. List of group entities considered for consolidation
Name of the Whether Explain the method of Whether Explain the Explain the Explain the
entity / Country of the entity is consolidation the entity is method of reasons for reasons if
incorporation included under included under consolidation difference in consolidated
accounting regulatory the method of under only
scope of scope of consolidation one of the
consolidation consolidation scopes of
(yes / no) (yes / no) consolidation
Cent Bank Home Yes Consolidation of the No NA NA Risk

Finance Ltd./ India financial statements Weighted
of subsidiaries in Assets
accordance with AS- 21.
Cent Bank Yes Consolidation of the No NA NA Risk

Financial Services financial statements Weighted
Ltd./India of subsidiaries in Assets
accordance with AS- 21
Central Madhya Yes Consolidation of the No NA NA Risk

Pradesh financial statements Weighted
GraminBank, of subsidiaries in Assets
Chhindwara/ India accordance with AS- 23
Uttar Bihar Yes Consolidation of the No NA NA Risk

Gramin Bank, financial statements Weighted
Muzzaffarpur/ of subsidiaries in Assets
India accordance with AS- 23
Uttar Banga Yes Consolidation of the No NA NA Risk

Kshetriya Gramin financial statements Weighted
Bank, Cooch of subsidiaries in Assets
Bihar/ India accordance with AS- 23
Indo-Zambia Bank Yes Consolidation of the No NA NA Risk

Ltd. /Zambia. financial statements Weighted
of subsidiaries in Assets
accordance with AS- 23
b. List of group entities not considered for consolidation both under the accounting and regulatory scope of
consolidation
Name of Principle Total balance sheet % of bank’s Regulatory treatment of Total balance sheet
the entity / activity of the equity (as stated in the holding in the bank’s investments in assets (as stated in
country of entity accounting balance total equity the capital instruments the accounting balance
incorporation sheet of the legal entity) of the entity sheet of the legal entity)
NO SUCH ENTITY
315
(ii) Quantitative Disclosures:

c. List of group entities considered for consolidation
Name of the entity / country of Principle activity of the entity Total balance sheet Total balance sheet
incorporation (as indicated in (i) equity (as stated in the assets (as stated in
a. above) accounting balance the accounting balance
sheet of the legal sheet of the legal
entity) Rs. in Mn entity) Rs. in Mn
Cent Bank Home Finance Ltd./ The main objective of the Company is 250 14001
India to provide housing finance
Cent Financial Services Ltd./ Providing investment banking products 50 428

India / services to corporate clients
Central Madhya Pradesh Regional Rural Bank 2464 81453

Gramin Bank, Chhindwara/ India
Uttar Bihar Gramin Bank, Regional Rural Bank 4545 178876

Muzzaffarpur/ India
UttarBangaKshetriyaGramin Regional Rural Bank 908 34892

Bank, Cooch Bihar/ India
*Uttar BangakshetriyaGramin Bank and Uttar Bihar Gramin Bank data is unaudited for March 2019.
d. The aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory scope
of consolidation i.e. that are deducted: NIL
e. The aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are
risk-weighted: NIL
f. Any restrictions or impediments on transfer of funds or regulatory capital within the banking group: NIL
Table DF-2: Capital Adequacy
Qualitative disclosures
(a) A summary discussion of the bank’s approach to assess the adequacy of its capital to support current and future
activities
The bank carries out regular assessment of its capital requirement from time to time to maintain the capital to Risk
Weight Assets Ratio (CRAR) at desired level. The capital plan is reviewed on annual basis to take care of business
growth and CRAR.
The bank has adopted standardized approach for credit risk, basic indicator approach for operational risk and
standardized duration approach for market risk.
The bank has put in place a well laid down Internal Capital Adequacy Assessment Process to enable the bank to
plan its capital requirements in relation to its business projections and to meet the risks inherent in the business.
The main objective of ICAAP exercise is to identify and measure the risks that are not fully captured by the minimum
capital ratio prescribed under Pillar I; the risks that are not at all taken into account by the pillar I; and the factors
external to the bank and to provide capital for such additional risks and to measure an appropriate level of internal
capital as per the risk appetite. The bank has also put in place the stress testing policy to measure impact of
adverse stress scenario on its CRAR.
The bank reviews the ICAAP on quarterly basis.
Bank has taken initiatives to migrate to advanced approaches for Capital Adequacy
Computation, Bank has already appointed a consultant & a system integrator vendor for moving to advanced
approach.
316
Quantitative disclosures
(b) Capital requirements for credit risk:
• Portfolios subject to standardized approach @9% Rs. 108555mn
• Securitization exposures : NIL
(c) Capital requirements for market risk:

• Standardized duration approach;
– Interest rate risk Rs. 9043mn
– Foreign exchange risk (including gold) Rs.41mn
– Equity risk Rs.3679mn
(d) Capital requirements for operational risk:

• Basic Indicator Approach Rs. 9222mn
(e) Common Equity Tier 1, Tier 1and Total Capital ratios:

• Common Equity Tier 1 7.49%
• Tier 1 7.49%
• Total Capital ratio 9.61%
General qualitative disclosure requirement

A committee of board of Directors regularly oversee the Bank’s Risk Management policies/practices under various risks viz.
credit, operational, market etc. The bank also has separate committees for each risk comprising of top executives of bank
headed by Managing Director & CEO and Executive Directors such as Asset Liability Management committee, Credit Risk
Management Committee, Operational Risk committee. These committees meet at regular intervals throughout the year to
assess and monitor the level of risk under various bank operations and initiate appropriate mitigation measures wherever
necessary.
The Risk Management Department at central office level which is headed by Chief Risk Officer (General Manager);
measures, control and manages risk within the limits set by the Board and enforces compliance with risk parameters set
by various committees. The General Manager is assisted by Deputy General Manager and a team of Assistant General
Managers, Chief Managers, Senior Managers and Managers.
At all Zonal offices and Regional office, Risk Managers are posted who act as an extended arm of the Risk Management
Department of Central Office.
The bank has in place various policies such as Credit Risk Management Policy, Credit Risk Mitigation and Collateral
Management Policy, ICAAP and Stress testing policy, Market Discipline & Disclosure policy, Operational risk policy, ALM
policy, Market risk management Policy etc.
Besides these, the Loan Policy prescribing broad parameters governing loan functions, guidelines on appraisal and
evaluation of credit proposals, lending powers of delegated authorities’ exposure norms, prudential limits and measures,
monitoring and controlling the credit portfolio is also in place.
The Credit Monitoring Department headed by General Manager monitors the loan portfolio, identify special mention
accounts and take corrective measures. Loan review mechanism is also carried out by the department apart from
processing and monitoring of accounts under CDR mechanism.
The bank has introduced rating models for various segments of borrowers including retail lending schemes which
measures the risk associated with counterparties and helps in credit and pricing decisions. In case of large borrowers,
credit risk assessment models evaluate financial risk, Industry risk, Management risk and business risk of the counter party
and each of these risks are scored separately then overall rating is accorded to the counter party. Facility rating module
is also available in the rating tool. Where parental support is available the same is also factored in rating, if corporate
guarantee is available to the borrower.
317
Table DF-3 : Credit Risk: General Disclosures for all Banks

Qualitative Disclosures
Credit risk
Impaired :
The Working Group to review the existing prudential guidelines on restructuring of advances by banks/financial
institutions in its report dated 20.07.2012 has observed that as per international accounting standards, accounts are
generally treated as impaired on restructuring and recommended that similar practice should be followed in India. Ind
AS 109 Financial Instruments contains guidance on the recognition, derecognition, classification and measurement of
financial instruments including impairment and hedge accounting
A Non-Performing Asset shall be a loan or an advance where-
(i) Interest and/or installment of principal remain overdue for a period of more than 90days in respect of a Term Loan;
(ii) The account remains out of order for 90 days
(iii) The bill remains overdue for a period of more than 90days in the case of bills Purchased and Discounted
(iv) In case of advances granted for Agricultural purposes
a) The installment of principal or interest thereon remains overdue for two crop seasons for short duration crops
b) The installment of principal or interest thereon remains overdue for one crop seasons for long duration crops
(v) The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitization transaction
undertaken in terms of guidelines on securitization dated February 1, 2006.
(vi) in respect of derivative transactions, the overdue receivables representing positive mark to- market value of a
derivative contract, if these remain unpaid for a period of 90 days from the specified due date for payment.
RBI vide its circular dated February 12, 2018 has issued revised framework for the resolution of stressed assets on in
view of enactment of the Insolvency and Bankruptcy Code, 2016.
Out of Order:
An account should be treated as “out of Order” if the outstanding balance remains continuously in excess of the
sanctioned limit/drawing power. In cases where the outstanding balance in the principal operating accounts less than
the sanctioned limit/drawing power, but there are no credits continuously for 90 days as on the date of balance sheet or
credit are not enough to cover the interest debited in the account during the same period.
Overdue:
Any amount due to the bank under any credit facility is overdue if it is not paid on due date fixed by the bank.
Credit Risk Management Policy
Bank has put in place a well-articulated Board approved Credit Risk Policy which is reviewed annually. The policy deals
with the following areas:
• Credit risk- definition, Policy and strategy
• Risk identification & measurement,
• Risk grading and aggregation,
• Credit risk rating framework and reporting,
• Risk control and portfolio management,
• Mitigation techniques,
• Target markets and type of economic activity,
• Credit approval authority,
• Country and currency exposure,
• Maturity patterns, level of diversification,
• Cyclical aspect of the economy,
• Credit risk in off balance sheet exposure,
• Credit risk monitoring procedures
• Managing of credit risk in inter Bank Exposure,
• Country risk and other operational matters
318
Quantitative Disclosures: ` in Mn
(a) Total gross credit risk exposures:
Fund based*: 2799270
Non-fund based: 257201
*includes cash ,balances with banks , investments etc
(b) Geographic distribution of exposures:
• Overseas 70
• Domestic 3056401
` in Mn ` in Mn ` in Mn
(c) Industry Name Funded Non-Funded Investment
A. Mining and Quarrying (A.1 + A.2) 4,889 1,135 0
A.1 Coal 1,629 905 0
A.2 Others 3,260 230 0
B. Food Processing (B.1 to B.5) 65,507 6,695 4,954
B.1 Sugar 20,213 1,177 4,344
B.2 Edible Oils and Vanaspati 18,392 2,818 0
B.3 Tea 1,155 15 1
B.4 Coffee 87 0 0
B.5 Others 25,660 2,685 610
C. Beverages (excluding Tea & Coffee) and Tobacco 3,748 52 0
C.1 Tobacco and tobacco products 1,158 47 0
C.2 Others 2,590 5 0
D. Textiles 51,763 15,081 2,108
D.1 Cotton 20,545 344 1,839
D.2 Jute 2,150 210 0
D.3 Man-made, of which 1,226 0 0
D.4 Others 27,843 14,527 269
Out of D (i.e., Total Textiles) to Spinning Mills 11,315 609 0
E. Leather and Leather products 1,663 104 0
F. Wood and Wood Products 1,745 105 0
G. Paper and Paper Products 6,098 2,525 531
H. Petroleum (non-infra), Coal Products (non-mining) and Nuclear Fuels 5,422 3,138 186
I. Chemicals and Chemical Products (Dyes, Paints, etc.) (I.1 to I.4) 24,406 4,145 115
I.1 Fertilizers 5,276 49 0
I.2 Drugs and Pharmaceuticals 7,424 760 94
I.3 Petro-chemicals (excluding under Infrastructure) 787 73 0
I.4 Others 10,919 3,262 20
J. Rubber, Plastic and their Products 6,450 640 0
319
K. Glass & Glassware 317 23 0
L. Cement and Cement Products 16,338 1,088 0
M. Basic Metal and Metal Products (M.1 + M.2) 62,552 21,423 1,830
M.1 Iron and Steel 40,776 10,049 1,089
M.2 Other Metal and Metal Products 21,776 11,374 740
N. All Engineering (N.1 + N.2) 68,655 18,237 550
N.1 Electronics 36,846 833 202
N.2 Others 31,810 17,404 347
O. Vehicles, Vehicle Parts and Transport Equipments 17,851 3,193 173
P. Gems and Jewellery 23,093 4,260 0
Q. Construction 48,746 11,513 2,812
R. Infrastructure (a to d) 280,357 64,763 68,189
R.a Transport (a.1 to a.6) 97,059 12,476 13,811
R.a.1 Roads and Bridges 64,746 10,998 11,211
R.a.2 Ports 8,460 600 0
R.a.3 Inland Waterways 1,078 0 2,600
R.a.4 Airport 6,663 0 0
R.a.5 Railway Track, tunnels, viaducts, bridges 12,944 800 0
R.a.6 Urban Public Transport (except rolling stock in case of urban road transport) 3,168 78 0
b. Energy (b.1 to b.6) 115,964 9,175 50,545
b.1 Electricity (Generation) 84,205 5,760 6,943
b.1.1 Central Govt PSUs 13,988 78 2,247
b.1.2 State Govt PSUs (incl. SEBs) 16,824 0 0
b.1.3 Private Sector 53,393 5,682 4,696
b.2 Electricity (Transmission) 1,986 2,700 4,908
b.2.1 Central Govt PSUs 884 2,700 4,908
b.2.2 State Govt PSUs (incl. SEBs) 0 0 0
b.2.3 Private Sector 1,102 0 0
b.3 Electricity (Distribution) 6,635 715 38,694
b.3.1 Central Govt PSUs 683 0 0
b.3.2 State Govt PSUs (incl. SEBs) 5,550 0 38,692
b.3.3 Private Sector 403 715 2
R.b.4 Oil Pipelines 0 0 0
R.b.5 Oil/Gas/Liquefied Natural Gas (LNG) storage facility 23,138 0 0
R.b.6 Gas Pipelines 0 0 0
320
R.c. Water and Sanitation (c.1 to c.7) 10,577 0 0
R.c.1 Solid Waste Management 114 0 0
R.c.2 Water supply pipelines 0 0 0
R.c.3 Water treatment plants 1,674 0 0
R.c.4 Sewage collection, treatment and disposal system 6,290 0 0
R.c.5 Irrigation (dams, channels, embankments etc) 2,500 0 0
R.c.6 Storm Water Drainage System 0 0 0
R.c.7 Slurry Pipelines 0 0 0
R.d. Communication (d.1 to d.3) 10,263 31,732 542
R.d.1 Telecommunication (Fixed network) 6,304 2,335 542
R.d.2 Telecommunication towers 0 0 0
R.d.3 Telecommunication and Telecom Services 3,959 29,397 0
R.e. Social and Commercial Infrastructure (e.1 to e.9) 24,087 100 0
R.e.1 Education Institutions (capital stock) 3,647 55 0
R.e.2 Hospitals (capital stock) 1,152 0 0
R.e.3 Three-star or higher category classified hotels located outside 2,150 0 0
cities with population of more than 1 million
R.e.4 Common infrastructure for industrial parks, SEZ, tourism 16,711 45 0
facilities and agriculture markets
R.e.5 Fertilizer (Capital investment) 0 0 0
R.e.6 Post harvest storage infrastructure for agriculture and 426 0 0
horticultural produce including cold storage
R.e.7 Terminal markets 0 0 0
R.e.8 Soil-testing laboratories 0 0 0
R.e.9 Cold Chain 0 0 0
R.f. Others, if any, please specify 22,407 11,279 3,291
S. Other Industries, pl. specify 201,216 33,741 415
All Industries (A to S) 890,819 191,862 81,863
Residuary other advances (to tally with gross advances) 1,183,839 98,675 102,304
Total 2,074,657 290,537 184,167
Industry exposure is more than 5% gross exposure
Funded Non-Funded Investment
Infrastructure 280,357 64,763 68,189
Energy (also included in Infrastructure) 115,964 9,175 50,545
321
(d) Residual maturity breakdown of Performing Assets:

Day 1 556991
02days to 07days: 34928
31days to 3months: 41633
Above 2 months to 3months: 68264
Above 3 months to 6 months 80676
Above 6 months to 12 months: 122890
Above 1 year to 3year 788570
Above 3 years to 5 years 203718
Over 5 Years 600491
Total 2589433
(e) Amount of NPAs (Gross) –
• Substandard 59231
• Doubtful 1 77052
• Loss 26320
(f) Net NPAs 113332
(g) NPA Ratios
• Gross NPAs to gross advances 19.29%
• Net NPAs to net advances 7.73%
(h) Movement of NPAs (Gross)
• Opening balance 381307
• Additions 103286
• Reductions 161033
• NPA (Gross) 323560
(l) Movement of provisions/depreciation on investments:
• Opening balance 26631
• Provisions made during the period 25616
• Write-off NIL
• Write back of excess provision 13035
• Closing balance 39212
322
Table DF-4 : Credit Risk:

Disclosures for Portfolios subject to the Standardized Approach
a. The Bank has adopted Standardized approach for computation of capital charge for Credit risk as per RBI
guidelines. These guidelines envisage different risk weights for different asset classes, which have been duly
applied.
b. The Bank has recognized the ratings issued by seven External Credit Rating Agencies identified by RBI viz., CRISIL
Ltd., CARE, ICRA Ltd., India ratings and research Pvt. ltd, SMERA rating Ltd, BRICKWORK and INFOMERICS to
rate the exposures of its clients.
c. These agencies rate all fund and non-fund based exposures. The ratings awarded by these agencies to the bank’s
clients are adopted for assigning risk-weights.
d. In case of bank’s investment in particular issues of Corporate, the issue specific rating of the rating agency is
reckoned to assign the risk weight.
(b) For exposure amounts after risk mitigation subject to the standardized approach, amount of a
bank’s outstanding (rated and unrated) in the following three major risk buckets as well as those that
are deducted:
• Below 100 % risk weight: 2397017
• 100 % risk weight 322358
• More than 100 % risk weight 337097
• Amount Deducted-CRM 129551
Table DF-5 : Credit Risk Mitigation: Disclosures for Standardized Approaches

• Policies and processes for collateral valuation and management;
Bank has well defined credit risk mitigation and collateral management policy. The main types of collaterals accepted
by bank are cash and near cash securities, land and building, plant and machinery etc.
• A description of the main types of collateral taken by the bank;
Bank accepts personal guarantees, corporate guarantees and guarantees issued by sovereigns and banks.
Collaterals are valued at fair market value and at regular intervals as per the policy guidelines.
RBI guidelines recognize various types of financial collaterals for the purpose of credit risk mitigation. The guidelines
further provide recognition of guarantees as one of the credit risk mitigants. Bank has put in place suitable policy
measures to capture these elements..
(b) For disclosed credit risk portfolio under the standardized approach, the total exposure that is
covered by:
• eligible financial collateral;
• Fund based 108956
Non fund based 20595
323
Table DF-6 : Securitization: Disclosure for Standardized Approach
NIL
Banking Book
(d) The total amount of exposures securitized by the bank
(e) For exposures securitized losses recognized by the bank during the current period broken down by
the exposure type (eg. Credit cards, housing loans, auto loans etc. detailed by underlying security) NIL
(f) Amount of assets intended to be securitized within a year NIL
(g) Of (f), the amount of assets originated within a year before securitization NIL
(h) The total amount of exposures securitized (by exposure type) and unrecognized gain or losses on sale
by exposure type NIL
(i) Aggregate amount of :
– On balance sheet securitization exposures retained or purchased broken down by exposure type
and- NIL
– Off balance sheet securitization exposures broken down by exposure type NIL
(j) Aggregate amount of securitization exposures retained or purchased and the associated capital
charges broken down between exposures and further broken down into different risk weight bands for
each regulatory capital approach. NIL
Exposures that have been deducted entirely from Tier 1 capital, credit enhancing I/Os deducted from Total
Capital, and other exposures deducted from total capital (by exposure type) NIL
Quantitative Disclosures
Trading Book:
(k) Aggregate amount of exposures securitized by the bank for which the bank has retained some
exposures and which is subject to the market risk approach by exposure type NIL
(l) Aggregate amount of :
– On balance sheet securitization exposures retained or purchased broken down by exposure type
and- NIL
– Off balance sheet securitization exposures broken down by exposure type NIL
(m) Aggregate amount of securitization exposures retained or purchased separately for :
– securitization exposures retained or purchased subject to comprehensive risk measure risk
measure for specific risk: and NIL
– securitization exposures subject to the securitization framework for specific risk broken down into
different risk weight bands NIL
(n) Aggregate amount of :
– The capital requirements for the securitization exposures, subject to the securitization framework
broken down into different risk weight bands NIL
– Securitization exposures that are deducted entirely from Tier 1 capital, credit enhancing I/O
deducted from total capital, and other exposures deducted from total capital ( by exposure type) NIL
324
Table DF-7 : Market Risk in Trading Book

Qualitative disclosures
The bank has well defined Market Risk Management Policy. This policy covers all important areas of market risk
measurement.
Bank defines Market Risk as the risk of loss in on-balance sheet and off-balance sheet positions arising from movements
in market rates, in particular, changes in interest rates, exchange rates and equity and commodity prices.
The bank has adopted Standardized Duration Approach for measuring the capital requirements for market risk as
prescribed by RBI.
Policies for management of Market Risk:
The bank has put in place board approved Market Risk Management Policy for effective management of Market Risk in
the bank. Other policies which also deal with Market Risk Management are integrated treasury policy and Asset Liability
Management Policy.
The policies set various prudential exposure limits and risk limits for ensuring that the operations are in line with bank’s
expectations of return through proper Market Risk Management and Asset Liability Management.
Asset-Liability Management
The ALM Policy is the framework of the ALM process. Bank’s balance sheet has mixed exposure to different levels of
financial risk. The goal of bank is to maximize its profitability, but do so in a manner that does not expose the bank to
excessive levels of risk which will ultimately affect the profitability. The Policy defines the limits for key measure of risk
limits that have been established to specifically accommodate a bank’s unique balance complexion, strategic direction,
and appetite for risk.
Liquidity Risk
Liquidity Risk is managed through GAP analysis, based on residual maturity/behavior pattern of assets and liabilities.
Bank is regularly submitting LCR returns and has also put in place contingency funding plan. Prudential limits are
prescribed for different residual maturity time buckets for efficient Asset Liability Management. Liquidity profile of the bank
is also evaluated through various liquidity ratios.
Interest rate risk
Interest rate risk is managed through Gap analysis of rate sensitive assets and liabilities and is monitored through
prudential limits. Bank also estimates risk periodically against adverse movements in interest rate for assessing the
impact on Net Interest Income and economic Value of Equity.
Quantitative disclosures
Capital Requirement for Market Risk Capital Charge (` in Mn)
Interest Rate Risk Rs.9043
Equity Position Risk Rs.3679
Foreign Exchange Risk Rs. 41
TOTAL Rs. 12,763
Table DF-8 : Operational Risk

Operational Risk is the risk of losses resulting from inadequate or failed internal processes, people and systems or
from external events. Operational Risk includes legal risk but excludes strategic and reputation risks. Operational Risk
Management in the Bank is guided by a well-defined Operational Risk Management Policy which is reviewed every year.
The bank has initiated pro-active steps to equip itself to migrate to advanced approaches under Operational Risk and
has started collation of data pertaining to Operational Risk loss events through Loss Data Management, Risk & control
Self-Assessment (RCSA), Key Risk Indicators (KRI) & Scenario Analysis. Bank is also a member of loss data consortium
‘CORDEx’ for external loss data base.
The Bank has appointed consultant and system integrator for moving to Advance Measurement Approach.
The bank has provided capital for operational risk as per Basic Indicator Approach. Accordingly the capital requirement
for operational risk as on 31.03.2019 is Rs. 9222 mn.
325
Table DF-9 : Interest Rate Risk in the Banking Book (IRRBB)

The interest rate risk is measured and monitored through two approaches:
1) Earning at risk (Traditional Gap Analysis)
The impact of change in interest rates on net interest income is analyzed under this approach and calculated under
yield curve approach. Under this approach a parallel shift of 1% is assumed both in assets and liabilities.
2) Economic Value of Equity:
Modified duration of assets and liabilities is computed separately to arrive at modified duration of equity. A parallel
shift in yield curve by 200 basis point is assumed for calculating the economic value of equity.
Parameter of Change ` in Mn
1. Impact on Earnings at 100 bps increase in interest rate across assets and liability 2601
2. Market value of Equity: 200 bps change 7563
Table DF-10 : General Disclosure for Exposures Related to Counterparty Credit Risk
(a) The bank assigns credit limits for counterparty exposure on the basis of capital adequacy, asset quality, earnings,
liquidity and management quality.
The bank has well defined market risk management policy.
The Bank deals in various derivative products and interest Rate Swaps. The bank used derivative products for
hedging its own balance sheet items as well as for trading purposes.
Particulars Amount
b) Gross positive value of contracts 450
Netting Benefits 0
Netted current credit exposure 450
Collateral held 0
Net Derivative Credit Exposure 1516
(c) ` in Mn
Item Notional Current credit

Amount Exposure
Forward Forex contracts 35851 1122
Cross Currency Swaps including cross currency interest rate swaps 3442 381
Interest rate Contracts 500 13
326
Table DF-11: Composition of Capital

Part I: Template to be used only from March 31, 2019
Basel III common disclosure template to be used from March 31, 2019 Ref No.
Common Equity Tier 1 capital: instruments and reserves Rs. in Mn
1 Directly issued qualifying common share capital plus related stock surplus (share
premium) 40472 A1
2 Retained earnings (161946)
3 Accumulated other comprehensive income (and other reserves) 295825
4 Directly issued capital subject to phase out from CET1 (only applicable to non-joint
stock companies1) 0
5 Common share capital issued by subsidiaries and held by third parties (amount
allowed in group CET1) 0
6 Common Equity Tier 1 capital before regulatory adjustments 174351
Common Equity Tier 1 capital: regulatory adjustments
7 Prudential valuation adjustments 0
8 Goodwill (net of related tax liability) 0
9 Intangibles (net of related tax liability) 0
10 Deferred tax assets 0
11 Cash-flow hedge reserve 0
12 Shortfall of provisions to expected losses 0
13 Securitisation gain on sale 0
14 Gains and losses due to changes in own credit risk on fair valued liabilities 0
15 Defined-benefit pension fund net assets 0
16 Investments in own shares (if not already netted off paid-in capital on reported
balance sheet) 0
17 Reciprocal cross-holdings in common equity 65
18 Investments in the capital of banking, financial and insurance entities that are outside
the scope of regulatory consolidation, net of eligible short positions, where the
bank does not own more than 10% of the issued share capital (amount above 10%
threshold) 0
19 Significant investments in the common stock of banking, financial and insurance
entities that are outside the scope of regulatory consolidation, net of eligible short
positions (amount above 10% threshold) 0
20 Mortgage servicing rights(amount above 10% threshold) 0
21 Deferred tax assets arising from temporary differences (amount above 10%
threshold, net of related tax liability) 63299
22 Amount exceeding the 15% threshold 0
23 of which: significant investments in the common stock of financial entities 0
24 of which: mortgage servicing rights 0
327
25 of which: deferred tax assets arising from temporary differences 0
26 National specific regulatory adjustments7 (26a+26b+26c+26d) 0
26a of which: Investments in the equity capital of the unconsolidated insurance
subsidiaries 0
26b of which: Investments in the equity capital of unconsolidated non-financial
subsidiaries 0
26c of which: Shortfall in the equity capital of majority owned financial entities which have
not been consolidated with the bank 0
26d of which: Unamortised pension funds expenditures 0
27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient
Additional Tier 1 and Tier 2 to cover deductions 0
28 Total regulatory adjustments to Common equity Tier 1 0
29 Common Equity Tier 1 capital (CET1) 110986
Additional Tier 1 capital: instruments
30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus
(31+32) 0
31 of which: classified as equity under applicable accounting standards (Perpetual Non-
Cumulative Preference Shares)
32 of which: classified as liabilities under applicable accounting standards (Perpetual
debt Instruments)
33 Directly issued capital instruments subject to phase out from Additional Tier 1 0 B1+B2
34 Additional Tier 1 instruments (and CET1 instruments not included in row 5) issued by
subsidiaries and held by third parties (amount allowed in group AT1)
35 of which: instruments issued by subsidiaries subject to phase out
36 Additional Tier 1 capital before regulatory adjustments 0
Additional Tier 1 capital: regulatory adjustments
37 Investments in own Additional Tier 1 instruments 0
38 Reciprocal cross-holdings in Additional Tier 1 instruments 0
the scope of regulatory consolidation, net of eligible short positions, where the bank
does not own more than 10% of the issued common share capital of the entity
(amount above 10% threshold) 0
40 Significant investments in the capital of banking, financial and insurance entities that
are outside the scope of regulatory consolidation (net of eligible short positions) 0
41 National specific regulatory adjustments (41a+41b) 0
41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries
41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have
not been consolidated with the bank
42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover
deductions
328
43 Total regulatory adjustments to Additional Tier 1 capital 0
44 Additional Tier 1 capital (AT1) 0
45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 110986
Tier 2 capital: instruments and provisions
46 Directly issued qualifying Tier 2 instruments plus related stock surplus 18000 C3
47 Directly issued capital instruments subject to phase out from Tier 2 8400 C1+C2
48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34)
issued by subsidiaries and held by third parties (amount allowed in group Tier 2) 0
49 of which: instruments issued by subsidiaries subject to phase out 0
50 Provisions (Revaluation reserves, Provision on Standard assets, sale of NPAetc) 5017
51 Tier 2 capital before regulatory adjustments 31417
52 Investments in own Tier 2 instruments
53 Reciprocal cross-holdings in Tier 2 instruments 50
the scope of regulatory consolidation, net of eligible short positions, where the bank
does not own more than 10% of the issued common share capital of the entity
(amount above the 10% threshold)
55 Significant investments in the capital banking, financial and insurance entities that are
outside the scope of regulatory consolidation (net of eligible short positions)
56 National specific regulatory adjustments (56a+56b)
56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries
56b of which: Shortfall in the Tier 2 capital of majority owned financial entities which have
not been consolidated with the bank
57 Total regulatory adjustments to Tier 2 capital 50
58a Tier 2 capital 31367
58b Tier 2 capital (T2) admissible for regulatory capital purposes 31367
59 Total capital (TC = T1 + T2) (45 + 58) 142354
60 Total risk weighted assets (60a + 60b + 60c) 1480978
60a of which: total credit risk weighted assets 1206167
60b of which: total market risk weighted assets 159531
60c of which: total operational risk weighted assets 115280
Capital ratios
61 Common Equity Tier 1 (as a percentage of risk weighted assets) 7.49%
62 Tier 1 (as a percentage of risk weighted assets) 7.49%
63 Total capital (as a percentage of risk weighted assets) 9.61%
64 Institution specific buffer requirement (minimum CET1 requirement plus
capital conservation and countercyclical buffer requirements, expressed as a
percentage of risk weighted assets) 7.375%
329
65 of which: capital conservation buffer requirement 1.875%
66 of which: bank specific countercyclical buffer requirement 0.00%
67 of which: G-SIB buffer requirement 0.00%
68 Common Equity Tier 1 available to meet buffers (as a percentage of risk
weighted assets) 0.00%
Notional minima (if different from Basel III)
69 Notional Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 7.375%
70 Notional Tier 1 minimum ratio (if different from Basel III minimum) 8.875%
71 Notional total capital minimum ratio (if different from Basel III minimum) 10.875%
Amounts below the thresholds for deduction (before risk weighting)
72 Non-significant investments in the capital of other financial entities NA
73 Significant investments in the common stock of financial entities NA
74 Mortgage servicing rights (net of related tax liability) NA
75 Deferred tax assets arising from temporary differences (net of related tax liability) NA
Applicable caps on the inclusion of provisions in Tier 2
76 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to
standardised approach (prior to application of cap) NA
77 Cap on inclusion of provisions in Tier 2 under standardised approach NA
78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal
ratings-based approach (prior to application of cap) NA
79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach NA
Capital instruments subject to phase-out arrangements
(only applicable between March 31, 2017 and March 31, 2022)
80 Current cap on CET1 instruments subject to phase out arrangements NA
81 Amount excluded from CET1 due to cap (excess over cap after redemptions and
maturities) NA
82 Current cap on AT1 instruments subject to phase out arrangements NA
83 Amount excluded from AT1 due to cap (excess over cap after redemptions and
maturities) NA
84 Current cap on T2 instruments subject to phase out arrangements 28000
85 Amount excluded from T2 due to cap (excess over cap after redemptions and
maturities) 19600
330
Table DF-12: Composition of Capital- Reconciliation Requirements

(` in Millions)
Balance sheet as in
financial statements Reference
As on 31.03.2019
A Capital & Liabilities
i Paid-up Capital 40472
of which: Amount eligible for CET 1 40472 A1
of which: Amount eligible for AT 1 0 B1
Reserves & Surplus 148877
Share application Money pending allotment 2125
Minority Interest 0
Total Capital 191474
ii Deposits 2998554
of which: Deposits from banks 40220
of which: Customer deposits 2958334
of which: Other deposits (pl. specify) -
iii Borrowings 52391
of which: From RBI -
of which: From banks 44
of which: From other institutions & agencies 2955
of which: Others (Outside India) 0
of which: Subordinated Debt 5000 C1
of which: Upper Tier 2 23000 C2
of which: Unsecreedem NC Basel III Bonds (Tier 2) 20000 C3
of which: Innovative Perpetual Debt Instrument 1391
iv Other liabilities & provisions 64758
Total 3307177
B Assets
i Cash and balances with Reserve Bank of India 207791
Balance with banks and money at call and short notice 104208
ii Investments: 1252981
iii Loans and advances 1465254
of which: Loans and advances to banks 11
of which: Loans and advances to customers 1465243
iv Fixed assets 43102
v Other assets 233841
of which: Goodwill and intangible assets 0
of which: Deferred tax assets 78940
vi Goodwill on consolidation 0
vii Debit balance in Profit & Loss account 0
Total Assets 3307177
331
Table DF-13: Main Features of Regulatory Capital Instruments
The main features of Tier - 1 capital instruments are given below:

Details Equity
Issuer CENTRAL BANK OF INDIA
Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for private placement) INE483A01010
Governing law(s) of the instrument Indian Laws
Regulatory treatment
Transitional Basel III rules Common Equity Tier 1
Post-transitional Basel III rules Common Equity Tier 1
Eligible at solo/group/ group & solo Solo and Group
Instrument type Common Shares
Amount recognised in regulatory capital (Rs. in million, as of most recent reporting date) Rs. 40,472
Par value of instrument Rs. 10 per share
Accounting classification Shareholder’s Equity
Original date of issuance Various
Perpetual or dated Perpetual
Original maturity date N.A.
Issuer call subject to prior supervisory approval No
Optional call date, contingent call dates and redemption amount N.A.
Subsequent call dates, if applicable N.A.
Coupons / dividends
Fixed or floating dividend/coupon Floating
Coupon rate and any related index N.A.
Existence of a dividend stopper No
Fully discretionary, partially discretionary or mandatory Fully discretionary
Existence of step up or other incentive to redeem No
Noncumulative or cumulative N.A.
Convertible or non-convertible N.A.
If convertible, conversion trigger(s) N.A.
If convertible, fully or partially N.A.
If convertible, conversion rate N.A.
If convertible, mandatory or optional conversion N.A.
If convertible, specify instrument type convertible into N.A.
If convertible, specify issuer of instrument it converts into N.A.
Write-down feature N.A.
If write-down, write-down trigger(s) N.A.
If write-down, full or partial N.A.
If write-down, permanent or temporary N.A.
If temporary write-down, description of write-up mechanism N.A.
Position in subordination hierarchy in liquidation (specify instrument type immediately All depositors and others
senior to instrument) Creditors, bonds, and
PNCPS
Non-compliant transitioned features No
If yes, specify non-compliant features
332
SERIES DETAILS Sr. II PDI

Transitional Basel III rules Ineligible
Post-transitional Basel III rules Ineligible
Instrument type Perpetual Debt Instruments
Amount recognised in regulatory capital (Rs. in million, as of most recent reporting date) 0
Par value of instrument Rs.1.00 Mn
Accounting classification LIABILITY
Original date of issuance 28.09.2012
Perpetual or dated Perpetual
Original maturity date N.A
Issuer call subject to prior supervisory approval Yes
Optional call date, contingent call dates and redemption amount 28.09.2022
Coupons / dividends
Fixed or floating dividend/coupon Fixed
Coupon rate and any related index 9.40% p.a.
Fully discretionary, partially discretionary or mandatory Mandatory
Noncumulative or cumulative Noncumulative
Convertible or non-convertible Nonconvertible
Write-down feature Not Applicable
Position in subordination hierarchy in liquidation (specify instrument type immediately All depositors and other
senior to instrument) Creditors
Non-compliant transitioned features Yes
If yes, specify non-compliant features Fully derecognized, Not
Basel III Loss absorbency
features
333
The main features of Upper Tier - 2 capital instruments are given below
SERIES DETAILS Upper Tier II Upper Tier II Upper Tier II Upper Tier II
(Sr.III) (Sr. IV) (Sr. V) (Sr. VI)
Unique identifier (e.g. CUSIP, ISIN or Bloomberg INE483A09203 INE483A09211 INE483A09229 INE483A08015
identifier for private placement)
Governing law(s) of the instrument Indian Laws Indian Laws Indian Laws Indian Laws
Transitional Basel III rules Tier 2 Tier 2 Tier 2 Tier 2
Post-transitional Basel III rules Ineligible Ineligible Ineligible Ineligible
Eligible at solo/group/ group & solo Solo and Solo and Solo and Solo and
Group Group Group Group
Instrument type Upper Tier Upper Tier Upper Tier Upper Tier
2 Capital 2 Capital 2 Capital 2 Capital
Instruments Instruments Instruments Instruments
Amount recognized in regulatory capital (Rs. in 1500 1500 3000 900
million, as of most recent reporting date)
Par value of instrument Rs. 1.00 Mn Rs. 1.00 Mn Rs. 1.00 Mn Rs. 1.00 Mn
Accounting classification LIABILITY LIABILITY LIABILITY LIABILITY
Original date of issuance 23.06.2009 20.01.2010 11.06.2010 21.01.2011
Perpetual or dated DATED DATED DATED DATED
Original maturity date 23.06.2024 20.01.2025 11.06.2025 21.01.2026
Issuer call subject to prior supervisory approval Yes Yes Yes Yes
Optional call date, contingent call dates and 23.06.2019 20.01.2020 11.06.2020 21.01.2021
redemption amount
Subsequent call dates, if applicable N.A. N.A. N.A. N.A.
Coupons / dividends
Fixed or floating dividend/coupon Fixed Fixed Fixed Fixed
Coupon rate and any related index 8.80% 8.63% 8.57% 9.20%
Existence of a dividend stopper No No No No
Fully discretionary, partially discretionary or Mandatory Mandatory Mandatory Mandatory
mandatory
Existence of step up or other incentive to redeem Yes Yes Yes No
Noncumulative or cumulative Noncumulative Noncumulative Noncumulative Noncumulative
Convertible or non-convertible Nonconvertible Nonconvertible Nonconvertible Nonconvertible
If convertible, conversion trigger(s) N.A. N.A. N.A. N.A.
If convertible, fully or partially N.A. N.A. N.A. N.A.
If convertible, conversion rate N.A. N.A. N.A. N.A.
If convertible, mandatory or optional conversion N.A. N.A. N.A. N.A.
If convertible, specify instrument type convertible into N.A. N.A. N.A. N.A.
If convertible, specify issuer of instrument it converts N.A. N.A. N.A. N.A.
into
Write-down feature N.A. N.A. N.A. N.A.
If write-down, write-down trigger(s) N.A. N.A. N.A. N.A.
If write-down, full or partial N.A. N.A. N.A. N.A.
If write-down, permanent or temporary N.A. N.A. N.A. N.A.
If temporary write-down, description of write-up N.A. N.A. N.A. N.A.
mechanism
334
SERIES DETAILS Upper Tier II Upper Tier II Upper Tier II Upper Tier II
(Sr.III) (Sr. IV) (Sr. V) (Sr. VI)
Position in subordination hierarchy in liquidation All depositors All depositors All depositors All depositors
(specify instrument type immediately senior to and other and other and other and other
instrument) creditors creditors creditors creditors
Non-compliant transitioned features YES YES YES YES
If yes, specify non-compliant features Step up, Not Step up, Not Step up, Not Not Basel
Basel III Loss Basel III Loss Basel III Loss III Loss
absorbency absorbency absorbency absorbency
features features features features
The main features of Subordinated Debt capital instruments are given below:
SERIES DETAILS Lower Tier II
Sr XIV
Issuer
Transitional Basel III rules Tier 2
Post-transitional Basel III rules Ineligible
Instrument type Tier 2 Debt Instruments
Amount recognised in regulatory capital (Rs. in million, as of most recent 1500
reporting date)
Par value of instrument Rs.1.00 Mn
Accounting classification LIABILITY
Original date of issuance 21.12.2011
Perpetual or dated DATED
Original maturity date 21.12.2026
Issuer call subject to prior supervisory approval Yes
Optional call date, contingent call dates and redemption amount 21.12.2021
Coupons / dividends
Fixed or floating dividend/coupon Fixed
Coupon rate and any related index 9.33%
Fully discretionary, partially discretionary or mandatory Mandatory
Noncumulative or cumulative Noncumulative
Convertible or non-convertible Nonconvertible
335
SERIES DETAILS Lower Tier II

Sr XIV
Write-down feature Not Applicable
Position in subordination hierarchy in liquidation (specify instrument type All depositors and other creditors
immediately senior to instrument)
Non-compliant transitioned features YES
If yes, specify non-compliant features Not Basel III Loss absorbency
features
The main features of BASEL III compliant Tier 2 Bonds are given below:
BASEL III COMPLIANT TIER II BONDS
SR I SR II SR III
Issuer
Unique identifier (e.g. CUSIP, ISIN or INE483A09260 INE483A09278 INE483A09286
Bloomberg identifier for private placement)
Governing law(s) of the instrument Indian Laws Indian Laws Indian Laws
Transitional Basel III rules Tier 2 Tier 2 Tier 2
Post-transitional Basel III rules ELIGIBLE ELIGIBLE ELIGIBLE
Eligible at solo/group/ group & solo Solo and Group Solo and Group Solo and Group
Instrument type Tier 2 Debt Instruments Tier 2 Debt Instruments Tier 2 Debt Instruments
Amount recognised in regulatory capital (` 8000 5000 5000
in million, as of most recent reporting date)
Par value of instrument Rs.1.00 Mn Rs.1.00 Mn Rs.1.00 Mn
Accounting classification LIABILITY LIABILITY LIABILITY
Original date of issuance 08.11.2013 07.03.2017 29.03.2019
Perpetual or dated DATED DATED DATED
Original maturity date 08.11.2023 07.05.2027 29.05.2029
Issuer call subject to prior supervisory approval No Yes Yes
Optional call date, contingent call dates N.A. 07.05.2022 29.05.2024
and redemption amount
Subsequent call dates, if applicable N.A. N.A. N.A.
Coupons / dividends
Fixed or floating dividend/coupon Fixed Fixed Fixed
Coupon rate and any related index 9.90% 8.62% 10.80%
Existence of a dividend stopper No No No
Fully discretionary, partially discretionary Mandatory Mandatory Mandatory
or mandatory
Existence of step up or other incentive to No No No
redeem
Noncumulative or cumulative Noncumulative Noncumulative Noncumulative
Convertible or non-convertible Nonconvertible Nonconvertible Nonconvertible
If convertible, conversion trigger(s) N.A. N.A. N.A.
If convertible, fully or partially N.A. N.A. N.A.
336
BASEL III COMPLIANT TIER II BONDS

SR I SR II SR III
If convertible, conversion rate N.A. N.A. N.A.
If convertible, mandatory or optional N.A. N.A. N.A.
conversion
If convertible, specify instrument type N.A. N.A. N.A.
convertible into
If convertible, specify issuer of instrument N.A. N.A. N.A.
it converts into
Write-down feature YES YES YES
If write-down, write-down trigger(s) These bonds, at the These bonds, at the These bonds, at the
option of the Reserve option of the Reserve option of the Reserve
Bank of India, can be Bank of India, can be Bank of India, can be
temporarily written temporarily written temporarily written
down or permanently down or permanently down or permanently
written off upon written off upon written off upon
occurrence of the occurrence of the occurrence of the
trigger event, called the trigger event, called the trigger event, called the
‘point of non-viability ‘point of non-viability ‘point of non-viability
trigger’(“ponv trigger”) trigger’(“ponv trigger”) trigger’(“ponv trigger”)
If write-down, full or partial Partial Partial Partial
If write-down, permanent or temporary Temporary Temporary Temporary
If temporary write-down, description of 1) It should be done It should be done at It should be done at
write-up mechanism at least one year least one year after least one year after
after the bank makes the bank makes the bank makes
the first payment of the first payment of the first payment of
dividend to its common dividend to its common dividend to its common
shareholders after shareholders after shareholders after
breaching the pre- breaching the pre- breaching the pre-
specified trigger. specified trigger. specified trigger.
2) Aggregate write- Aggregate write- Aggregate write-
up in a year should up in a year should up in a year should
be restricted to a be restricted to a be restricted to a
percentage of dividends percentage of dividends percentage of dividends
declared during a year, declared during a year, declared during a year,
the percentage being the percentage being the percentage being
the ratio of the ‘equity the ratio of the ‘equity the ratio of the ‘equity
created by written-down created by written-down created by written-down
bonds’ to ‘the total bonds’ to ‘the total bonds’ to ‘the total
equity minus the equity equity minus the equity equity minus the equity
created by written-down created by written-down created by written-down
bonds’. bonds’. bonds’.
3) Aggregate write- Aggregate write-up in Aggregate write-up in
up in a year, should a year, should also a year, should also
also not exceed 25% not exceed 25% of not exceed 25% of
of the amount paid as the amount paid as the amount paid as
dividend to the common dividend to the common dividend to the common
shareholders in a shareholders in a shareholders in a
particular year. particular year. particular year.
Position in subordination hierarchy in All depositors and other All depositors and other All depositors and other
liquidation (specify instrument type creditors creditors creditors
immediately senior to instrument)
Non-compliant transitioned features NO NO NO
If yes, specify non-compliant features - - -
337
Table DF-14: Full Terms and Conditions of Regulatory Capital Instruments

Sr. No. Capital type Instruments Full Terms and Conditions
1. Equity Equity As disclosed in Main features section
2. TIER1 PDI As disclosed in Main features section
3. TIER 2 UPPER TIER 2 BONDS As disclosed in Main features section
4. TIER 2 SUBORDINATE BONDS As disclosed in Main features section
5. TIER 2 BASEL III COMPLIANT BOND As disclosed in Main features section
Table DF-16: Equities – Disclosure for Banking Book Positions As on 31.03.2019

1 The general qualitative disclosure • Investments in equity of subsidiaries and joint ventures (a Joint Venture
requirement (Para 2.1 of this would be one in which the bank, along with its subsidiaries, holds more
annex) with respect to equity risk, than 25 percent of the equity) are required to classified under HTM
including: category in accordance with the RBI guidelines. These are held with
a strategic objective to maintain strategic relationships or for strategic
• differentiation between
business purposes.
holdings on which capital
gains are expected and those • In accordance with the RBI guidelines on investment classification and
taken under other objectives valuation, Investments are classified on the date of purchase into “Held
including for relationship and for Trading” (HFT), “Available for Sale” (AFS) and “Held to Maturity”
strategic reasons; and (HTM) categories (hereinafter called “categories”). Investments which
the Bank intends to hold till maturity are classified as HTM securities.
• Discussion of important policies
In accordance with the RBI guidelines, equity investments held under
covering the valuation and
the HTM category are classified as banking book for capital adequacy
accounting of equity holdings in
purpose.
the banking book. This includes
the accounting techniques and Investments classified under HTM category are carried at their acquisition
valuation methodologies used, cost and not marked to market. Any diminution, other than temporary, in the
including key assumptions and value of equity investments is provided for. Any loss on sale of investments
practices affecting valuation as in HTM category is recognised in the Statement of Profit and Loss. Any
well as significant changes in gain from sale of investments under HTM category is recognised in the
these practices. Statement of Profit and Loss and is appropriated, net of taxes and statutory
reserve, to “Capital Reserve” in accordance with the RBI Guidelines.
Quantitative Disclosures ` in Mn
BOOK VALUE FAIR VALUE
31.03.2019 31.03.2019
1 Value disclosed in the balance sheet of investments, as well as the fair value 3590 3590
of those investments
Publicly quoted share values where the share price is materially different from - -
fair value
2 The types and nature of investments, including the amount that can be - -
classified as:
Publicly traded - -
Privately held. 3590 3590
JV In India (Cent Bank Home Finance) 219 219
Associate Outside India (JV in Indo Zambia Bank Ltd) 475 475
338
Quantitative Disclosures ` in Mn
BOOK VALUE FAIR VALUE
31.03.2019 31.03.2019
RRBs 2771 2771
Subsidiaries(Cent Bank Financial Services Ltd) 50 50
Strategic Investments- 21 21
Central Ware housing Corporation 21 21
Strategic Investments-IFCI 40 40
Strategic Investments-Other 20 20
FIs (IFCI, GSFC, JKFC, WBFC) 20 20
3 The cumulative realised gains (losses) arising from sales and liquidations in the - -
reporting period.
4 Total unrealised gains (losses) - -
5 Total latent revaluation gains (losses) NIL NIL
6 Any amounts of the above included in Tier 1 and/or Tier 2 capital. - -
7 Capital requirements broken down by appropriate equity groupings, consistent NA NA
with the bank’s methodology, as well as the aggregate amounts and the type
of equity investments subject to any supervisory transition or grandfathering
provisions regarding regulatory capital requirements.
LEVERAGE RATIO DISCLOSURES AS ON 31.03.2019
LEVERAGE RATIO
The minimum risk-based capital requirements under Basel III will be supplemented by non-risked-based Tier 1 leverage
ratio.
Table DF 17- Summary Comparison of Accounting Assets

Vs. Leverage Ratio Exposure Measure
Item (` in Million)
1 Total consolidated assets as per published financial statements 3318846
2 Less: Adjustment for investments in banking, financial, insurance or commercial entities that are 0
consolidated for accounting purposes but outside the scope of regulatory consolidation
3 Adjustment for fiduciary assets recognised on the balance sheet pursuant to the operative (62944)
accounting framework but excluded from the leverage ratio exposure measure
4 Adjustments for derivative financial instruments 15257
5 Adjustment for securities financing transactions (i.e. repos and similar secured lending) 2706
6 Adjustment for off-balance sheet items (i.e. conversion to credit equivalent amounts of off- 158501
balance sheet exposures)
7 Other adjustments 1479
8 Leverage ratio exposure 3433845
339
DF-18: Leverage Ratio Common Disclosure Template
(Amount in ` mn)
On-balance sheet exposures
1 On-balance sheet items (excluding derivatives and SFTs, but including collateral) 3162859
2 (Asset amounts deducted in determining Basel III Tier 1 capital) (62944)
3 Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) 3099915
Derivative exposures
4 Replacement cost associated with all derivatives transactions (i.e. net of eligible cash 4304
variation margin)
5 Add-on amounts for PFE associated with all derivatives transactions 10953
6 Gross-up for derivatives collateral provided where deducted from the balance sheet assets 0
pursuant to the operative accounting framework
7 (Deductions of receivables assets for cash variation margin provided in derivatives 0
transactions)
8 (Exempted CCP leg of client-cleared trade exposures) 0
9 Adjusted effective notional amount of written credit derivatives 0
10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives) 0
11 Total derivative exposures (sum of lines 4 to 10) 15257
Securities financing transaction exposures
12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting 160172
transactions
13 (Netted amounts of cash payables and cash receivables of gross SFT assets) 0
14 CCR exposure for SFT assets 0
15 Agent transaction exposures 0
16 Total securities financing transaction exposures (sum of lines 12 to 15) 160172
Other off-balance sheet exposures
17 Off-balance sheet exposure at gross notional amount 602168
18 (Adjustments for conversion to credit equivalent amounts) (443667)
19 Off-balance sheet items (sum of lines 17 and 18) 158501
Capital and total exposures
20 Tier 1 capital 114428
21 Total exposures (sum of lines 3, 11, 16 and 19) 3433845
Leverage ratio
22 Basel III leverage ratio (per cent) 3.33%
A.K.CHATTERJEE K. K. TANEJA
Dy. General Manager-RMD General Manager-CREDIT
(ALOK SRIVASTAVA) (P. RAMANAMURTHY) (B. S. SHEKHAWAT)

(PALLAV MOHAPATRA)
Managing Director & CEO
340
341
S.K.MEHTA& CO BORKAR & MUZUMDAR

302-306, Pragati Tower, 21/168, Anand Nagar Om CHS, Anand Nagar Lane,
26, Rajendra place, Off Nehru Road, Vakola, Santacruz (East),
NEW DELHI-110008 MUMBAI-400055
MUKUND M CHITALE & CO AAJV AND ASSOCIATES

II Floor, Kapur House, Paranjape ‘B’ Scheme, LGF-C-73,Lajpat Nagar-II,
Road No. 1,Vile Parle East, New Delhi-110024
Mumbai-400057
AUDITOR’S REPORT ON CONSOLIDATED FINANCIAL RESULTS OF CENTRAL BANK OF INDIA

PURSUANT TO THE REGULATION 33 OF THE SEBI (LISTING OBLIGATIONS AND
DISCLOSURE REQUIREMENTS) REGULATIONS, 2015
To
The Board of Directors of Central Bank of India
1. We have audited the accompanying Consolidated Financial Results of Central Bank of India (the “Parent Bank”) and
its subsidiaries (collectively referred to as the “Group”) and share of profit or loss of its associates for the year ended
March 31, 2019 (the “Statement”), being submitted by the Parent Bank pursuant to the requirement of Regulation
33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. This statement which is
the responsibility of the Parent Bank’s management and approved by the Board of Directors, has been prepared
in accordance with the Banking Regulation Act, 1949, accounting principles generally accepted in India along with
recognition and measurement principle’s laid down in Accounting Standards issued by the Institute of Chartered
Accountants of India so far as they are applicable to the Parent Bank and Reserve Bank of India guidelines from time
to time. Our responsibility is to express an opinion on the presentation of the statements and financial results for the
year ended March 31, 2019.
2. We conducted our audit in accordance with the standards on auditing issued by the Institute of Chartered Accountants
of India. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain
reasonable assurance about whether the consolidated financial results are free of material misstatement. An audit
involves performing procedures to obtain audit evidence about the amounts and disclosures in the statement. The
procedures selected depend on the auditor’s judgment, including the assessment of risk of material misstatement of
the Statement, whether due to fraud or error. In making those risk assessments, the auditor considers internal controls
relevant to the Group’s and its Associate’s preparation and fair presentation of the Statement in order to design audit
procedures that are appropriate in the circumstances. An audit also includes evaluating the appropriateness of the
accounting policies used and the reasonableness of the accounting estimates made by the Management, as well
as evaluating the overall presentation of the Statement. We believe that the audit evidence obtained by us and the
audit evidence obtained by the branch auditors and other auditors in terms of their report of Subsidiary Company
and unaudited financial statement provided by Associates’ management is sufficient and appropriate to provide a
reasonable basis for our opinion.
3. These financial results incorporate the relevant returns of 20 Branches audited by us, 2549 branches audited by the
other auditors specially appointed for this purpose and un–audited returns in respect of 2090 branches of the Parent
Bank.
4. (i) We did not audit the financial statements incorporated in the Consolidated Financial Statements of two
subsidiaries whose financial statement reflect total assets of `1442.88 crore as at March 31, 2019, total revenue
of `146.50 crore and net cash inflows of `71.63 crore for the year ended March 31, 2019. These financial
statements have been audited by other auditors whose reports have been furnished to us by the Management
and our opinion is based solely on the reports of the other auditors.
(ii) The Consolidated Financial Statement also includes the Group’s share of net profit after tax of `16.59 crore for
the year ended March 31, 2019, as considered in the consolidated financial statements in respect of 4 associates,
whose financial statements has not been audited by us. The financial statements of 3 associates namely
342
Uttarbanga Kshetriya Gramin Bank, Uttar Bihar Gramin Bank and Central Madhya Pradesh Gramin Bank are
unaudited and have been furnished to us by the Management. In case of an associate namely Indo Zambia Bank
Ltd., whose reporting period is calendar year, share in profit has been taken for nine months ended December 31,
2018 based on audited financial statements for the calendar year ended December 31, 2018 and profit for three
months ended March 31, 2019 is taken based on unaudited financial statements as furnished by the Management.
Our opinion and our report on the consolidated financial statement, in so far as it relates to the amounts and
disclosures included in respect of these associates, is based solely on such unaudited financial statements. In our
opinion and according to the information and explanations given to us by the Management of the Bank, the impact
of the above is not material to the Group.
Our opinion is not modified in respect of the above matters.
5. In our opinion and to the best of our information and according to the explanations given to us and based on the
consideration of the reports of the other auditors and management’s certified financial statements as referred to in
paragraph 4 above, the Statement :
i) includes the results of the following entities included in the consolidation
(a)
Subsidiaries
(i) Cent Bank Home Finance Ltd.
(ii) Cent Bank Financial Services Ltd.
(b)
Associates
(i) Central Madhya Pradesh Gramin Bank, Chhindwara
(ii) Uttar Bihar Gramin Bank, Muzzaffarpur
(iii) Uttarbanga Kshetriya Gramin Bank, Cooch Behar
(iv) Indo-Zambia Bank Ltd., Zambia
ii) have been presented in accordance with the requirements of Regulation 33 of the SEBI (Listing Obligations and
Disclosure Requirements) Regulations, 2015 in this regard; and
iii) give a true and fair view of the consolidated net loss and other financial information for the year ended March 31,
2019 of the Group.

F.R. No.000478N F.R. No. 101569W

Partner Partner
M.No.087002 M.No.133755

F.R. No.106655W F.R. No.007739N
(CA A. V. KAMAT) (CA DEEPAK GARG)

Partner Partner
M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
343
CONSOLIDATED BALANCE SHEET AS AT MARCH 31, 2019

(000’s Omitted)
PARTICULARS Schedule As at As at
No. 31-Mar-19 31-Mar-18
` `
Capital 1 4,04,72,014 2,61,81,558
Reserves and Surplus 2 15,13,62,928 15,59,23,052
Minorities Interest 2A 4,34,572 3,98,088
Share Application Money Pending Allotment 21,25,409 –
Deposits 3 3,00,31,13,856 2,95,35,44,875
Borrowings 4 5,63,96,659 6,02,56,819
Other Liabilities and Provisions 5 6,49,40,977 7,71,88,594
TOTAL 3,31,88,46,415 3,27,34,92,986
ASSETS
Cash and Balances with Reserve Bank of India 6 20,77,94,497 36,00,01,196
Balances with Banks and Money at Call and Short Notice 7 10,51,81,420 3,26,22,898
Investments 8 1,25,45,27,365 1,02,76,94,647
Loans & Advances 9 1,47,42,54,768 1,57,47,95,266
Fixed Assets 10 4,31,09,150 4,34,39,644
Other Assets 11 23,38,90,319 23,48,50,439
Goodwill on Consolidation 88,896 88,896
TOTAL 3,31,88,46,415 3,27,34,92,986
Contingent Liabilities 12 86,67,30,384 1,19,40,26,626
Bills for Collection 16,24,73,915 14,48,60,670
The schedules referred to above form an integral part of the Consolidated Balance Sheet.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
344
CONSOLIDATED PROFIT AND LOSS ACCOUNT

(000’s Omitted)
PARTICULARS Schedule Year Ended Year Ended
No. 31-Mar-19 31-Mar-18
` `
I. INCOME
Interest and Dividend Earned 13 22,74,86,195 24,16,31,164
Other Income 14 2,41,63,327 2,62,04,076
TOTAL 25,16,49,522 26,78,35,240
II. EXPENDITURE
Interest Expended 15 15,93,46,579 17,60,33,211
Operating Expenses 16 6,08,01,586 6,42,57,740
Provisions and Contingencies 8,77,78,525 7,84,99,996
TOTAL 30,79,26,690 31,87,90,947
III. PROFIT/(LOSS)
Consolidated Net Profit/(Loss) for the year before Minority (5,62,77,168) (5,09,55,707)
Interest
Less: Minority Interest (57,943) (59,936)
Consolidated Net Profit/(Loss) for the year after deducting (5,63,35,111) (5,10,15,643)
Minority Interest
Add: Share of earnings/(loss) in Associates 1,65,860 (3,80,386)
Consolidated Profit/(Loss) for the year attributable to the Group (5,61,69,251) (5,13,96,029)
Add: Brought forward consolidated Profit/(Loss) attributable to the Group (10,32,87,865) (5,08,85,164)
Profit Available for Appropriation (15,94,57,116) (10,22,81,193)
IV. APPROPRIATIONS
Transfer to :
Statutory Reserve – –
Investment Reserve 5,63,762 9,18,685
Revenue Reserve 15,900 24,286
Tax on Dividend 10,730 6,555
Special Reserve U/S 36 (1) (viii) 53,598 57,146
Balance Carried over to the Balance Sheet (16,01,01,106) (10,32,87,865)
TOTAL (15,94,57,116) (10,22,81,193)
Earnings Per Share (In Rs.)- Basic (Nominal Value Rs 10/- per share) (20.10) (26.52)
Earnings Per Share (In Rs.)- Diluted (Nominal Value Rs 10/- per share) (20.10) (26.52)
The schedules referred to above form an integral part of the Consolidated Profit and Loss Account

M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
345
SCHEDULES FORMING PART OF THE CONSOLIDATED BALANCE SHEET AS AT MARCH 31, 2019
(000’s Omitted)
` ` ` `
SCHEDULE 1 : CAPITAL
Authorised Capital 5,00,00,000 5,00,00,000
500,00,00,000 shares of Rs. 10/- each
Issued Subscribed and Paid up Capital : 4,04,72,014 2,61,81,558
4047201400 Equity Shares (previous year
2618155800 equity shares) of Rs. 10/- each
[includes 3691169652 Equity Shares (previous
year 2262123970 Equity Shares) of Rs. 10/- each
held by Central Govt.]
TOTAL 4,04,72,014 2,61,81,558
SCHEDULE 2 : RESERVES AND SURPLUS

I. Statutory Reserves
Additions during the year – –
2,07,59,131 2,07,59,131
II. Capital Reserves
i) Revaluation Reserve
Additions - Adjustments during the year 91,575 –
Less: Transfer to Revenue and Other (6,48,045) (7,51,349)
Reserves
Deductions during the year – –
3,07,45,959 3,13,02,429
ii) Investment Reserve
Additions during the year 5,63,762 9,18,685
1,16,55,145 1,10,91,383
III. Share Premium
Additions/Adjustments during the year 5,16,29,543 5,12,50,152
22,15,38,334 16,99,08,791
IV. Revenue and Other Reserves
Add: Transfer from Capital Reserves 6,48,045 7,51,349
Addition during the year 22,859 24,286
(*) Add: Opening Balance Adjustments 2,283 –
Less: Deductions during the year (1,10,503) (1,87,090)
2,54,80,952 2,49,18,268
V. Special Reserve U/S 36 (1)(viii) 12,84,513 12,30,915
VI. Balance in Profit and Loss Account (16,01,01,106) (10,32,87,865)
TOTAL 15,13,62,928 15,59,23,052
(*) The adjustment is on account of change in results of RRBs post audit. The consolidated financial statements of previous
year was compiled based on unaudited financial statements of such RRBs.
346
(000’s Omitted)
` ` ` `
SCHEDULE 2 A : MINORITIES INTEREST
Minority Interest at the date on which the parent/ 24,500 24,500
subsidiary relationship came into existence
Subsequent increase / decrease 4,10,072 3,73,588
Minority interest on the date of Balance-Sheet 4,34,572 3,98,088
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
i) From Banks 1,32,14,516 43,03,783
ii) From Others 15,08,78,553 14,24,78,002
16,40,93,069 14,67,81,785
II. Savings Bank Deposits 1,22,13,88,674 1,10,50,92,892
III. Term Deposits
i) From Banks 3,18,29,169 4,23,06,308
ii) From Others 1,58,58,02,944 1,65,93,63,890
1,61,76,32,113 1,70,16,70,198
TOTAL 3,00,31,13,856 2,95,35,44,875
B. i) Deposits of Branches in India 3,00,31,13,856 2,95,35,44,875
ii) Deposits of Branches outside India – –
SCHEDULE 4 : BORROWINGS
I. Borrowings in India
i) Reserve Bank of India – –
ii) Other Banks 37,50,514 29,07,191
iii) Other Institutions & Agencies 29,55,145 41,08,628
iv) Unsecured Reedeemable Bonds 53,00,000 80,00,000
(Subordinated Debt)
v) Upper Tier II Bonds 2,30,00,000 2,88,50,000
vi) Innovative Perpetual Debt Instrument 13,91,000 13,91,000
vi) Unsecured Redeemable NC Basel III 2,00,00,000 1,50,00,000
Bonds(Tier II)
5,63,96,659 6,02,56,819
II. Borrowings outside India – –
TOTAL 5,63,96,659 6,02,56,819
SCHEDULE 5 : OTHER LIABILITIES AND PROVISIONS

I. Bills Payable 64,54,286 69,18,635
II. Inter Office Adjustments (Net) – 55,26,439
III. Interest Accrued 83,71,940 77,60,143
IV. Deferred Tax Liailities (Net) – –
V. Others(including provisions) 5,01,14,751 6,49,40,977 5,69,83,377 7,71,88,594
TOTAL 6,49,40,977 7,71,88,594
347
(000’s Omitted)
` ` ` `
SCHEDULE 6 : CASH AND BALANCES WITH RESERVE BANK OF INDIA
I. Cash in hand 1,33,78,811 1,50,56,892
(including foreign currency notes)
II. Balances with Reserve Bank of India
In Current Accounts 14,04,15,686 13,59,44,304
In Other Accounts 5,40,00,000 20,90,00,000
19,44,15,686 34,49,44,304
TOTAL 20,77,94,497 36,00,01,196
SCHEDULE 7 : BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE
I. In India
i) Balances with Banks
a) In Current Accounts 6,66,151 11,47,268
b) In Other Deposit Accounts 9,79,281 3,50,455
16,45,432 14,97,723
ii) Money at Call and Short Notice
a) With Banks 19,00,000 –
b) With Other Institutions 10,15,66,371 2,01,07,348
10,34,66,371 2,01,07,348
TOTAL…. I 10,51,11,803 2,16,05,071
II. Outside India
a) In Current Accounts 69,582 –
b) In Other Deposit Accounts 35 68,427
c) Money at Call & Short Notice – 1,09,49,400
TOTAL…. II 69,617 1,10,17,827
TOTAL…. (I + II) 10,51,81,420 3,26,22,898
SCHEDULE 8 : INVESTMENTS
I. Investments in India in : *
i) Government Securities 96,23,57,875 81,34,68,949
ii) Other approved Securities – –
iii) Shares 83,42,097 1,26,11,655
iv) Debentures and Bonds 21,46,94,317 14,22,05,198
v) Investment in Associates 32,78,914 32,44,310
vi) Others (UTI Shares & Commercial Papers 6,43,84,140 5,48,28,052
Mutual Fund Units etc.)
1,25,30,57,343 1,02,63,58,164
II. Investments outside India in **
i) Government Securities – –
ii) Associates 14,70,022 13,36,483
14,70,022 13,36,483
TOTAL 1,25,45,27,365 1,02,76,94,647
* Investments in India :
Gross Value of Investments 1,29,22,69,548 1,05,29,88,662
LESS: Provision for Depreciation 3,92,12,205 2,66,30,498
Net Investments 1,25,30,57,343 1,02,63,58,164
** Investments outside India :
Gross Value of Investments 14,70,237 13,36,698
LESS: Provision for Depreciation 215 215
Net Investments 14,70,022 13,36,483
TOTAL 1,25,45,27,365 1,02,76,94,647
348
(000’s Omitted)
` ` ` `
SCHEDULE 9 : LOANS AND ADVANCES
A. i) Bills Purchased and Discounted 1,11,08,722 1,21,08,770
ii) Cash Credits Overdrafts & Loans 70,62,78,283 70,67,85,403
repayable on demand
iii) Term Loans 75,68,67,763 1,47,42,54,768 85,59,01,093 1,57,47,95,266
TOTAL 1,47,42,54,768 1,57,47,95,266
B. Particulars of Advances :
i) Secured by tangible assets (including 1,38,05,44,844 1,47,39,79,953
advances against Book Debts)
ii) Covered by Bank / Government 71,60,273 41,63,297
Guarantees
iii) Unsecured 8,65,49,651 1,47,42,54,768 9,66,52,016 1,57,47,95,266
TOTAL 1,47,42,54,768 1,57,47,95,266
C. Sectoral Classification of Advances
(I) Advances in India
i) Priority Sector 78,08,25,482 79,61,05,458
ii) Public Sector 4,18,77,509 4,39,19,258
iii) Banks 11,452 1,643
iv) Others 65,15,40,325 1,47,42,54,768 73,47,68,907 1,57,47,95,266
TOTAL 1,47,42,54,768 1,57,47,95,266
(II) Advances outside India – –
SCHEDULE 10 : FIXED ASSETS

I. Premises
( At cost / revalued cost )
Balance as at 31st March of the preceding year 4,03,28,001 4,01,28,537
Additions during the year 14,580 1,99,464
Total 4,03,42,581 4,03,28,001
Deduction/Adjustments during the year 1,13,186 –
Total 4,02,29,395 4,03,28,001
Depreciation to date 73,27,018 67,85,203
TOTAL…. I 3,29,02,377 3,35,42,798
II. Other Fixed Assets
(Including furniture and fixtures)
At cost as on 31st March of the preceding year 2,90,91,778 2,63,73,484
Additions/Adjustments during the year 27,59,755 34,89,485
Total 3,18,51,533 2,98,62,969
Deductions/Adjustments during the year (6,07,444) (7,71,191)
Total 3,12,44,089 2,90,91,778
Depreciation to date 2,10,37,316 1,91,94,932
TOTAL…. II 1,02,06,773 98,96,846
TOTAL…. (I + II) 4,31,09,150 4,34,39,644
349
(000’s Omitted)
` ` ` `
SCHEDULE 11 : OTHER ASSETS
I. Interest accrued 1,85,19,612 1,68,33,027
II. Tax paid in advance/tax deducted at source 5,16,70,499 5,35,02,038
(Net of Provisions)
III. Stationery and Stamps 2,01,811 1,99,846
IV. Deferred Tax Assets 7,88,21,035 5,35,75,850
V. Inter office adjutments (Net). 12,55,927 –
VI. Others 8,34,21,435 11,07,39,678
23,38,90,319 23,48,50,439
TOTAL 23,38,90,319 23,48,50,439
SCHEDULE 12 : CONTINGENT LIABILITIES

I. (a)
Claims against the Bank not 10,54,991 11,06,450
acknowledged as Debts
(b) Disputed income tax demands under 2,57,34,915 2,98,42,036
appeals, revisions etc
II. Liability for partly paid Investments 52,498 76,140
III. Liability on account of outstanding forward 64,44,32,269 92,83,13,329
exchange contracts
IV. Guarantees given on behalf of constituents
a) In India 11,56,86,575 10,44,10,635
b) Outside India 71,56,062 28,39,496
12,28,42,637 10,72,50,131
V. Acceptances Endorsements and Other 6,61,57,213 12,30,09,267
Obligations
VI. Other items for which the bank is contingently 64,55,861 44,29,273
liable
TOTAL 86,67,30,384 1,19,40,26,626
350
SCHEDULES FORMING PART OF THE CONSOLIDATED PROFIT AND LOSS ACCOUNT

(000’s Omitted)
PARTICULARS YEAR ENDED YEAR ENDED
31-Mar-19 31-Mar-18
` `
SCHEDULE 13 : INTEREST AND DIVIDEND EARNED
I. Interest/Discount on Advances / Bills 13,05,38,318 14,60,09,458
II. Income on Investments 8,46,02,032 7,14,27,065
III. Interest on balances with Reserve Bank of India and other inter-bank funds 87,28,057 2,05,85,442
IV. Others 36,17,788 36,09,199
TOTAL 22,74,86,195 24,16,31,164
SCHEDULE 14 : OTHER INCOME

I. Commission, Exchange and Brokerage 1,20,69,533 1,26,57,307
II. Profit/ (Loss) on sale of Investments (Net) 21,51,879 57,66,755
III. Profit / (Loss) on Exchange transactions (Net) 14,04,372 14,09,054
IV. Profit / (Loss) on sale of land, buildings and Other Assets (44,269) (44,917)
V. Income earned by way of dividends etc. from subsidiaries and Associates – –
abroad/ in India
VI. Miscellaneous Income 85,81,812 64,15,877
TOTAL 2,41,63,327 2,62,04,076
SCHEDULE 15 : INTEREST EXPENDED

I. Interest on Deposits 15,27,48,176 16,22,07,541
II. Interest on Reserve Bank of India / Inter-Bank borrowings 7,43,715 9,11,046
III. Others 58,54,688 1,29,14,624
TOTAL 15,93,46,579 17,60,33,211
SCHEDULE 16 : OPERATING EXPENSES

I. Payments to and Provisions for employees 3,57,44,821 3,99,00,472
II. Rent, Taxes and Lighting 47,40,970 47,66,150
III. Printing and Stationery 2,89,078 3,63,888
IV. Advertisement and Publicity 1,06,284 2,41,820
V. Depreciation on Bank’s property 27,79,348 26,04,989
VI. Directors’ Fees, Allowances and Expenses 18,525 13,930
VII. Auditors’ Fees and Expenses (including Branch Auditors’, Fees & 3,05,825 2,01,056
expenses)
VIII. Law Charges 1,81,712 1,86,076
IX. Postages, Telegrams, Telephones etc. 9,01,393 6,65,475
X. Repairs and Maintenance 9,90,100 11,33,762
XI. Bad Debts Written Off 3,757 731
XII. Insurance 30,01,136 35,72,072
XIII. Other Expenditure 1,17,38,637 1,06,07,319
TOTAL 6,08,01,586 6,42,57,740
351
SCHEDULE 17 - SIGNIFICANT ACCOUNTING POLICIES
1 a) Basis of Preparation
The accompanying consolidated financial statements (CFS) have been prepared by following the going concern
concept on the historical cost basis except in respect of the Revaluation of Premises and conform, in all material
aspects, to Generally Accepted Accounting Principles (GAAP) in India, which encompasses applicable statutory
provisions, regulatory norms prescribed by Reserve Bank of India (RBI) including those prescribed by the Banking
Regulation Act 1949, National Housing Bank Act 1987, The Housing Finance Companies (NHB) Directions 2010,
Companies Act 2013, Accounting Standards (AS) and pronouncements issued by The Institute of Chartered
Accountants of India (ICAI) and the prevailing practices within the Banking industry in India.
b) Use of Estimates
The preparation of consolidated financial statements requires the management to make estimates and
assumptions considered in the reported amount of assets and liabilities (including contingent liabilities) as on the
date of the financial statements and the reported income and expenses during the reporting year. Management
believes that the estimates used in preparation of the consolidated financial statements are prudent and
reasonable.
Contingencies are recorded when it is probable that a liability will be incurred and the amounts can reasonably be
estimated. Differences between the actual results and estimates are recognised in the year in which the results
are known/materialised.
2 Consolidation Procedures
2.1 Consolidated financial statements of the Group (comprising of 2 Subsidiaries and 4 Associates [including 3 RRBs])
have been prepared on the basis of:
a. Audited financial statements of Central Bank of India (Parent)
b. Line by line aggregation of like items of assets, liabilities, income and expenses of the subsidiaries with the
respective item of Parent and after eliminating all material intra-group balances/transactions, unrealized profit/
losses as per Accounting Standard 21 “Consolidated Financial Statement” issued by the ICAI.
c. Investments in associates, where the group holds 20% or more of the voting power has been accounted by
using the equity method in terms of Accounting Standard – 23 “Accounting for Investments in Associates in
Consolidated Financial Statements” issued by the ICAI. The financial statements of the Indo Zambia Bank
Limited, an Associate, have been prepared in accordance with the local regulatory requirements/ International
Financial Reporting Standards. Financial statements received from these associates form the sole basis for
their incorporation in these consolidated financial statements.
d. The Accounting year of the Associate, viz. Indo Zambia Bank Ltd. is calendar year. In case accounting year
of Associates are different than that of Parent Bank, proportionate share of profit is taken based on audited
figures of audited period and for unaudited period proportionate share of profit is taken based on unaudited
figures.
e. The consolidated financial statements are prepared using uniform accounting policies for like transaction and
other events in similar circumstances and are presented to the extent possible, in the same manner as the
Company’s separate Financial Statements except as otherwise stated.
2.2 Minority interest in the net assets of consolidated subsidiaries consist of:
i. The amount of equity attributable to the minority at the date on which investments in a subsidiary is made,
and
ii. The minority share of movements in equity since date of parent – subsidiary relationship came into existence.
3 Transactions involving Foreign Exchange

3.1 The transactions are initially recorded on previous day’s closing rate
352
3.2 Monetary Assets and Liabilities in Foreign Currencies are translated at the Exchange Rates prevailing at the
quarter end as notified by Financial Benchmarks India Pvt. Ltd. (FIBIL) and the resultant Profit/ Loss is recognised
in Profit and Loss Account.
3.3 Income and Expenditure items are translated at the exchange rates ruling on the respective date of transactions.
3.4 Guarantees, Letters of Credit, Acceptances, Endorsements, and other obligations in Foreign Currencies are
translated at the quarter end rates notified by FIBIL.
3.5 Outstanding Forward Contracts are translated at the quarter end rates notified by FIBIL and the resultant profit/
loss is recognized in Profit and Loss Account.
4 Investments
(A) Parent Bank

4.1 In accordance with the guidelines issued by the Reserve Bank of India, Investments are categorised into “Held
to Maturity”, “Held for Trading” and “Available for Sale” categories. However, for disclosure in the Balance Sheet,
investments are classified under the following heads :
i) Government Securities
ii) Other Approved Securities
iii) Shares
iv) Debentures and Bonds
v) Subsidiaries and sponsored institutions and
vi) Others (Commercial Papers and units of Mutual Funds etc.)
4.2 Basis of Classification

Classification of an Investment is done at the time of purchase into the following categories:
i) Held to Maturity:
These comprise of investments, the bank intends to hold on till maturity. Investments in subsidiaries and
associates are also categorised under Held to Maturity.
ii) Held for Trading:

Securities which are principally held for resale within 90 days from the date of purchase.
iii) Available for Sale:

Investments that cannot be classified in the above categories.
4.3 Transfer of Securities between categories

The transfer / shifting of securities between the three categories of investments is accounted at the lower of
acquisition cost/ book value or market value on the date of the transfer. The depreciation, if any, on such transfer
is fully provided for.
4.4 Valuation
a) Held to Maturity
The investments classified under this category are valued at acquisition cost. The excess of acquisition cost /
book value over the face value is amortised over the remaining period of maturity on day to day basis.
Investments in subsidiaries and associates are valued at carrying cost less diminution, other than temporary
in nature, for each investment individually.
b) Available for sale
Investments under this category are marked to market, scrip-wise, at quarterly intervals as under:
353
i) Central Government At market price as per quotation put out by Stock Exchange / Financial
Securities Benchmarks India Pvt. Ltd. (FIBIL)
ii) State Government Securities, On appropriate yield to maturity basis.
Securities Guaranteed by
Central / State Government
iii) Treasury Bills/ Certificates of At carrying cost.
Deposits/ Commercial Paper
iv) Equity Shares a) Quoted: At market price.
b) Unquoted: At book value per share, if latest (Not more than one
year old) Balance Sheet is available, or Re.1/- per
company if latest Balance Sheet is not available.
v) Preference Shares a) Quoted: At market price.
vi) Debentures and Bonds a) Quoted: (Traded in last 15 days) at last Trade Price.
vii) Mutual Fund a) Quoted: At market price.
b) Unquoted: At repurchase price or Net Asset Value (where
repurchase price is not available).
viii) Venture Capital Fund (VCF) Declared NAV or break up NAV as per audited balance sheet which
is not more than 18 months old. If NAV/ audited financials are not
available for more than 18 months continuously then at Re.1/- per VCF.
ix) Security Receipts (SR) At Net Asset Value (NAV) advised by SC/ARC.
The net depreciation under each category is provided for, without adjusting the book value of the securities
and net appreciation, if any, is ignored.
c) Held for Trading
Investments under this category are valued at monthly intervals at market rates, wherever available, or as
per the prices declared by Financial Benchmarks India Pvt. Ltd. (FIBIL). The net depreciation under each
category is provided for, without adjusting the book value of the securities and net appreciation, if any, is
ignored.
4.5 Determination of Cost

i) Cost of investments is determined on the basis of Weighted Average Cost method.
ii) Brokerage, incentive, front-end fees etc., received on purchase of securities are reduced from the cost of
investments.
iii) Expenses such as brokerage, fees, commission or taxes incurred at the time of acquisition of securities is
charged to revenue.
4.6 IIncome Recognition

i) The Profit or loss on sale/ redemption of investments is taken to the Profit and Loss Account. However, in
case of profit on sale/ redemption of investments from ‘Held to Maturity’ category, an equivalent amount is
appropriated to the ‘Capital Reserve’.
ii) In respect of securities included in any of the three categories of investments where interest/ principal is in
arrears, for more than 90 days, income is not reckoned and classified as Substandard/Doubtful/Loss as the
case may be and appropriate provision for the depreciation in the value of the investments is made, as per
prudential norms applicable to non-performing advances or otherwise required as per RBI directives issued
from time to time. Debentures/ Bonds in the nature of advances are subjected to usual prudential norms
354
applicable to advances.
iii) State Government guaranteed exposures is classified as Sub Standard/ Doubtful/ Loss, as the case may be
if interest and/ or principal or any other amount due to the Bank remains overdue for more than 90 days and
necessary provisions are made as per Prudential Norms or as otherwise required as per the RBI directions
issued from time to time.
iv) The broken period interest on sale or purchase of securities is treated as revenue item.
4.7 Accounting for Repo / Reverse Repo and Liquidity Adjustment Facility (LAF)
Securities sold / purchased with an agreement to repurchase / resale on the agreed terms under Repo / Reverse
Repo including LAF with RBI are recognized as Borrowing/Lending.
(B) Subsidiaries
4.8 In case of Subsidiaries, the Investments are classified as current and non-current Investments. Current
Investments are carried at lower of cost or market value and non-current investments are carried at cost. Provision
for diminution, if any, in the value of the non-current investment is made only, if the diminution in the value is of
permanent nature.
5 Derivatives
5.1 Derivatives used for hedging are accounted as under :

i) In cases where the underlying Assets/ Liabilities are marked to market, resultant gain/ loss is recognised in
the Profit and Loss Account.
ii) Interest Rate Swaps which hedges interest bearing assets or liabilities are accounted for on accrual basis in
cases where underlying Asset/ Liabilities are not marked to market.
iii) Gain or losses on the termination of Swaps are recognised over the shorter of the remaining contractual life
of the Swap or the remaining life of the assets/ liabilities.
5.2 Derivatives used for Trading are accounted as under:

i) Currency future and Interest Rate Future are marked to market on daily basis as per exchange guidelines of
MCX-SX, NSE and United Stock Exchange.
ii) MTM profit/loss is accounted by credit/debit to the margin account on daily basis and the same is accounted
in bank’s profit and loss account on final settlement.
iii) Trading swaps are marked to market at frequent intervals. Any MTM losses are booked and gains if any are
ignored.
iv) Gains or losses on termination of swaps are recorded as immediate income/expense under the above head
6 Advances
6.1 Advances are classified as Standard, Sub-Standard, Doubtful or Loss Assets and Provisions required in respect
thereof are made as per the Prudential Norms prescribed by the Reserve Bank of India or otherwise required in
terms of RBI directions issued from time to time.
6.2 Partial Recovery in Non-performing assets is appropriated first towards principal and thereafter towards interest.
However, where any borrowal account is required to be classified as Non-Performing from back date, any
recovery till the account was classified as Standard is first credited to Interest on Loans and Advances [viz.
Scheme for sustainable Structuring of Stressed assets (S4A), Strategic Debt Restructuring, Flexible Structuring of
Long Term Project Loan (5/25), Change of Ownership of Borrowing Entities (outside Strategic Debt Restructuring
Scheme)].
6.3 Advances are shown net of provisions (in case of NPA), Unrealised Interest, amount recovered from borrowers
held in Sundries and amount recovered from Credit Guarantee Fund Trust for Micro and Small Enterprises
(CGTMSE) / Export Credit Guarantee Corporation of India (ECGC).
355
6.4 Provision for Standard Assets is included in Other Liabilities and Provisions- Others.
6.5 Financial Assets sold are recognized as under:
i) In case the sale to Securitisation Company (SC) / Asset Reconstruction Company (ARC) is at a price lower
than the Net Book Value (NBV) the shortfall is either charged to the Profit and Loss Account or such shortfall
on assets sold on or after 26.02.2014 is spread over a period of two/one year in line with RBI guidelines
subject to necessary disclosures.
ii) In case the sale is at a price higher than the NBV on cash basis, the surplus is taken to the credit of Profit
and Loss Account.
iii) In case of sale to SC/ARC is for a value higher than the NBV the excess provision to the extent of cash
recovery is credited to the Profit and Loss Account and balance excess provision is retained to be utilised to
meet shortfall/loss on account of sale of other financial assets to SC/ARC.
6.6 In case of Cent Bank Home Finance Ltd., the subsidiary, provisions on Loans and Advances are made on the
basis of Prudential norms laid down by National Housing Bank.
6.7 In case of Cent Bank Home Finance Ltd., the subsidiary, Interest income is recognized on accrual basis except
in case of Non-Performing Assets (NPA) where interest is accounted on realization. In loans, the repayment
is received by the way of Equated Monthly Installments (EMIs) comprising principal and interest. Interest is
calculated on the outstanding balance at the beginning of the month. EMI commences once the entire loan is
disbursed. Pending commencement of EMI, pre-EMI monthly interest is charged. Recovery in case of NPA is
appropriated first towards interest portion of overdue EMIs and thereafter towards principal portion of overdue
EMIs.
7 Fixed Assets/Depreciation
(A) Parent Bank

7.1 Fixed Assets are depreciated under ‘Written Down Value Method’ at the following rates (other than computers
which are depreciated on Straight Line Method):
i) Premises At varying rates based on estimated life

ii) Furniture, Lifts, Safe Vaults 10%
iii) Vehicles 20%
iv) Air conditioners, Coolers, Typewriters, etc. 15%
v) Computers including Systems Software 33.33%
(Application Software is charged to the Revenue during the year of acquisition.)
7.2 Land acquired on lease for over 99 years is treated as freehold land and those for 99 years or less is treated as
leasehold land. Cost of leasehold land is amortized over the period of lease.
7.3 Where it is not possible to segregate the cost of Land and Premises, Depreciation is charged on the composite
cost.
7.4 In case of assets, which have been revalued, the depreciation / amortization is provided on the revalued amount
are charged to Profit and Loss Account. Amount of incremental depreciation / amortization attributable to the
revalued amount is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other Reserves”.
7.5 Depreciation on additions to assets, made upto 30th September is provided for the full year and on additions
made thereafter, is provided for the half year. No depreciation is provided on assets sold before 30th September
and depreciation is provided for the half year on assets sold after 30th September.
(B) Subsidiaries
7.6 Fixed Assets are stated at cost of acquisition less accumulated deprecation. Cost includes all expenses incidental
to expenses to the acquisition of fixed assets.
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7.7 Depreciation on fixed assets has been provided on straight line method at the rates specified in Schedule II to
the Companies Act, 2013 except in case of Centbank Financial Services Ltd., the subsidiary, intangible assets
have been amortized considering the economic life of the asset to be 5 years by the Management and amortized
accordingly.
8 Employee Benefits
8.1 Employee benefits are accrued in the year services are rendered by the employees. Short term employee benefits
are recognised as an expense in the profit and loss account for the year in which the related service is rendered.
8.2 Liability for long term employee benefit under defined benefit scheme such as contribution to gratuity, pension
fund and leave encashment are determined at close of the year at present value of the amount payable using
actuarial valuation technique. Actuarial gain/losses are recognized in the year when they arise.
8.3 Provident fund is a defined contribution as the bank pays fixed contribution at predetermined rates. The obligation
of the bank is limited to such fixed contribution. The contributions are charged to Profit and Loss Account.
8.4 National Pension Scheme which is applicable to employees who have joined bank on or after 01.04.2010 is a
defined contribution scheme. Banks pays fixed contribution at pre-determined rate. The obligation of the bank is
limited to such fixed contribution. The contribution is charged to Profit and Loss Account
8.5 In case of Cent Bank Home Finance Ltd., the subsidiary, the Gratuity amount has been provided on actuarial
basis and invested in group maturity scheme administered by the Life Insurance Corporation of India. Company’s
contribution in respect of Employees’ Provident Fund is made to Government Provident Fund and is charged to
the Statement of Profit and Loss. The provision of leave encashment liability is calculated on the balance privilege
leave of the employees as at the year end.
9 Recognition of Income and Expenditure

9.1 Income/ Expenditure is generally accounted for on accrual basis except for income to be accounted for on cash
basis as per regulatory provisions.
9.2 In accordance with the guidelines issued by the Reserve Bank of India, prior period disclosures are made in
respect of any item which exceeds one percent of the total income/total expenditure.
9.3 Provision for interest payable on overdue deposits is made as per Reserve Bank of India guidelines.
9.4 In case of Cent Bank Home Finance Ltd., the subsidiary, income recognition on Loans and Advances are made on
the basis of Prudential norms laid down by National Housing Bank (NHB).
9.5 In case of Cent Bank Home Finance Ltd., the subsidiary, income from fee and other charges viz. login fee, penal
interest on overdue, prepayment charges, interest on income tax refunds and other income etc. are recognized on
receipt basis.
9.6 In case of Centbank Financial Services Ltd., the subsidiary, income in relation to Executor Trusteeship business is
accrued on occurrence of transactions relating to trust account. Revenue from Debenture and Security Trusteeship
services is recognized on periodic basis and accounted on accrual basis except the income from Debenture &
Security Trusteeship business of suit filed and/or BIFR companies, which is accounted on receipt basis.
10 Income Tax
The provision for tax for the year comprises of current tax liability computed in accordance with the applicable tax
laws and the deferred tax which recognizes, timing differences between taxable income and accounting income
that originate in one period and is capable of reversal in one or more subsequent periods. Deferred tax assets are
recognized only to the extent that there is reasonable certainty that sufficient future taxable income will be available
against which such deferred tax assets will be realized. In case of carry forward of unabsorbed depreciation and tax
losses, deferred tax assets are recognized only if there is virtual certainty that such deferred tax assets can be realized
against future taxable profits. The carrying amount of deferred tax assets is reviewed at each balance sheet date
to reassess its realization. Disputed tax liabilities are accounted for in the year of finality of assessment / appellate
proceedings and till such times they are shown as contingent liability.
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11 Earnings per Share

The basic and diluted earnings per share have been computed by dividing the Net Profit / Loss attributable to the
equity share holders for the period by the weighted average number of equity shares outstanding during the reporting
period.
12 Sundry Unallocated Income and Proceeds

In case of Centbank Financial Services Ltd., the subsidiary, the amounts received on behalf of beneficiaries of whom
details about the beneficiaries can not be ascertained, have been accounted in nominal account “Sundry Party
Unclaimed Dividend / Interest” and “Unallocated / Unclaimed Proceeds on Redemption of Securities”.
As and when the details are received from the payer about the beneficiaries, the amount is transferred to the
respective beneficiary account.
13 Provisions, Contingencies and Contingent assets

Provisions are recognized for present obligations, of uncertain timing or amount, arising as a result of a past event
where a reliable estimate can be made and it is probable that an outflow of resources embodying economic benefits
will be required to settle the obligation. Where it is not probable that an outflow of resources embodying economic
benefits will be required or the amount cannot be estimated reliably, the obligation is disclosed as a contingent liability
unless the possibility of outflow of resources embodying economic benefits is remote.
Contingent assets are neither recognised nor disclosed in the financial statements.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
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SCHEDULE-18: NOTES FORMING PART OF THE CONSOLIDATED FINANCIAL STATEMENTS:

1 Subsidiaries and Associates considered in the preparation of the Consolidated Financial Statements
1.1 The Consolidated Financial Statements comprise the financial statements of Central Bank of India ( Parent Bank),
its two Subsidiaries (collectively referred to as “the Group”) and share of Profit / Loss in four Associates consisting
of three Regional Rural Banks (RRBs) sponsored by the Parent Bank and Indo Zambia Bank Limited as per
details given below :
Name of the Subsidiary/Associate Country of Ownership Ownership
Incorporation interest as interest as
at March 31, at March 31,
2019 2018
Cent Bank Home Finance Limited (Subsidiary) India 64.40% 64.40%
Centbank Financial Services Limited (Subsidiary) India 100.00% 100.00%
Uttar Bihar Gramin Bank, Muzzaffarpur (Associate) India 35.00% 35.00%
Uttarbanga Kshetriya Gramin Bank, Cooch Behar (Associate) India 35.00% 35.00%
Central Madhya Pradesh Gramin Bank, Chhindwara (Associate) India 35.00% 35.00%
Indo Zambia Bank Limited ( Associate) Zambia 20.00% 20.00%
1.2 The financial statements of the Subsidiaries and Associates which are used in the consolidation have been drawn
upto the same reporting date as that of Parent Bank i.e. March 31, 2019, except Indo Zambia Bank Ltd., whose
reporting period is calendar year and share in profit has been taken on audited figures for nine months ended
31.12.2018 and unaudited figures for three months ended 31.03.2019. Financial Statement of Indo Zambia Bank
is prepared as per the accounting policies adopted under local laws. In the opinion of the Management the impact
is not material.
1.3 The accumulated share of profit/loss of the Parent Bank in the associates has been added / reduced to/from the
carrying cost of Investments with corresponding adjustments in accumulated Reserves of the Group.
1.4 Cent Bank Home Finance Ltd., the subsidiary, like other Housing Finance Institutions grant loans for longer
tenure, while deposits received / liabilities are for shorter tenure, resulting in mismatch of Assets and Liabilities.
The same is being addressed by sufficient credit lines available.
1.5 Financial Statements of Subsidiaries and Associates are audited by other Auditors except three RRBs (Associates)
namely Central Madhya Pradesh Gramin Bank, Uttarbanga Kshetriya Gramin Bank, Uttar Bihar Gramin Bank
which is unaudited, certified by the Management.
2 In the preparation of consolidated financial statements, wherever, different accounting policies for similar transactions
have been followed by subsidiaries and associates, adjustments have not been made as in the opinion of
Management of the Bank the same are not material.
3 PARENT BANK
3.1 Capital:
3.1.1 Paid up Equity Share Capital of the Bank as on 31.03.2019 is ₹ 4047.20 crore increased from ₹ 2618.16
crore of previous year by issue of fresh 1429045682 equity shares of ₹ 10 each in three allotments.
a. 354357970 Equity Shares of ₹ 10 each allotted to Government of India on Preferential Basis at premium
of ₹ 56.43 on 13.11.2018
b. 387439390 Equity Shares of ₹ 10 each allotted to Government of India on Preferential Basis at premium
of ₹ 33.31 on 28.02.2019.
c. 687248322 Equity Shares of ₹ 10 each allotted to Government of India on Preferential Basis at premium
of ₹ 27.25 on 28.03.2019.
3.2 Balancing of Books / Reconciliation:

The reconciliation of the following items are regularly being done, however certain entries are in progress:
– Inter Branch Office Balance
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– Inter Bank Accounts

– Suspense Accounts
– Clearing and other Adjustment Accounts
– Certain balances in nominal account
– NOSTRO Accounts
– Balances related to ATM
– Mirror Accounts maintained by Central Card Department
– Data/System updation of Agricultural and Priority Sector Advances
The Management is of the opinion that the overall impact, if any, on the accounts will not be significant.
3.3 Income Tax:

3.3.1 Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and
judicial decisions on disputed issues.
3.3.2 Other Assets [Schedule 11 (ii)] includes ₹ 2569.16 crore (previous year ₹ 2979.91 crore) towards disputed
Income Tax paid by the Bank or adjusted by the Income Tax department. Provision for disputed amount
of taxation is not considered necessary by the Bank on the basis of various judicial pronouncements and
favourable decisions in Bank’s own case.
3.4 Premises:
Premises obtained on Lease by the Bank includes properties costing ₹ 0.75 Crore (previous year ₹ 0.75 Crore) for
which registration formalities are still under progress.
In the case of assets, which have been revalued, the depreciation is provided on the revalued amount charged to
Profit and Loss Account and the amount of incremental depreciation attributable to the revalued amount ₹ 64.80
Crore (previous year ₹ 75.13 Crore) is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other
Reserves”.
3.5 Advances / Provisions:

3.5.1 Advances to units which have become sick including those under nursing/ rehabilitation/ restructuring
programme and other advances classified as doubtful/ loss assets have been considered secured/
recoverable to the extent of estimated realizable value of securities carrying first or second charge based on
valuers’ assessment of properties/ assets mortgaged to the Bank and other data available with the Bank.
3.5.2 In accordance with the guidelines issued by Reserve Bank of India, the Bank has netted the balance Floating
Provision amount of ₹ 100.56 crores (previous year ₹ 100.56 crore) and Countercyclical Provision amount of
₹ 47.34 Crore (previous year ₹ 47.34 Crore) from gross NPAs to arrive at net NPAs.
3.5.3 Disclosure of Divergence in Asset Classification and Provisioning for NPAs
As the additional provisioning requirements assessed by RBI for FY 2017-18 exceeded threshold limit of
10% of the reported profit before provisions and contingencies, the following disclosure is made pursuant
to RBI circular no. DBR.BP.BC.No. 32/21.04.018/2018-19 dated 01.04.2019 regarding Divergence in Asset
Classification and Provisioning:
( ` in crore)

1. Gross NPAs as on March 31, 2018 as reported by the Bank 38130.70
2. Gross NPAs as on March 31, 2018 as assessed by RBI 38766.90
3. Divergence in Gross NPAs (2 – 1) 636.20
4. Net NPAs as on March 31, 2018 as reported by the Bank 17377.87
5. Net NPAs as on March 31, 2018 as assessed by RBI 17830.67
6. Divergence in Net NPAs (5 – 4) 452.80
7. Provisions for NPAs as on March 31, 2018 as reported by the Bank 19601.31
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8. Provisions for NPAs as on March 31, 2018 as assessed by RBI 20743.31
9. Divergence in provisioning (8 – 7) 1142.00
10. Reported Net Profit after Tax (PAT) for the year ended March 31, 2018 (5104.90)
11. Adjusted (Notional) Net Profit after Tax (PAT) for the year ended March 31, 2018 (6246.90)
after taking into account the divergence in provisioning
The Bank had duly recorded the impact of the above in its working results for the year ended March 31,
2019.
3.6 Disclosure of penalties imposed by RBI
RBI has imposed a penalty of ₹ 1.16 crore (pevious year ₹ 0.91 crore) in terms of Section 47A(1)(a) read with
Section 46(4)(i) of the Banking Regulation Act 1949 for non-compliance of RBI norms.
4 Compliance with Accounting Standards

The following information is disclosed in terms of Accounting Standards issued by The Institute of Chartered
Accountants of India.
4.1 Accounting Standard 9 - Revenue Recognition

Certain items of income are recognized on realization basis as per significant accounting policy
No. 9 of Schedule 17. However, the said income is not considered to be material.
4.2 Accounting Standard 15 (Revised) - Employee Benefits

4.2.1 Employee Benefits:
i) Defined Contribution Plan:
National Pension Scheme (NPS):-
During the year, Parent Bank has recognized ₹ 79.62 crore (Previous year ₹ 67.82 crore) as contribution
to NPS in profit and loss account.
ii) Defined Benefit Plan:
Reconciliation of opening and closing balance of the present value of the defined benefit obligation for
pension and gratuity benefits as per actuarial valuations of the Parent Bank is given below:
(` in crore)
Particulars 31.03.2019 31.03.2018
Table showing change in Defined Benefit
Obligation:
Liability at the beginning of the year 1741.56 13,821.17 1847.13 12484.08
Interest Cost 136.36 1,076.67 134.29 930.06
Past Service Cost(Non Vested Benefit ) 0 0 0 0
Past Service Cost(Vested Benefit) 0 0 329.37 0
Liability Transfer in 0 0 0 0
Liability Transfer out 0 0 0 0
Benefit Paid (270.50) (1,170.59) (157.20) (952.30)
Actuarial (gain)/loss on obligations 25.47 433.87 (481.16) 1271.80
Liability at the end of the year 1648.13 14,245.10 1741.56 13821.17
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(` in crore)
Particulars 31.03.2019 31.03.2018
Table of Fair Value of Plan Assets:
Fair Value of Plan Assets at the beginning of the 2124.94 13,515.58 1656.73 12420.00
year
Expected return on Plan Assets 166.38 1,048.81 120.44 925.29
Contributions (100.00) 1,324.00 490.40 859.08
Transfer from Other Company 0 0 0 0
Transfer to Company 0 0 0 0
Benefit paid (270.50) (1,170.59) (157.20) (952.30)
Actuarial Gain/(loss)on Plan Assets (42.56) (72.66) 14.57 263.51
Fair Value of Plan Assets at the end of the year 1878.26 14,645.14 2124.94 13515.58
Total Actuarial Gain/(loss) to be recognized (17.09) (506.33) 495.73 (1008.29)
(` in crore)
Particulars 31.03.2019 31.03.2018

Expenses recognized in the Profit and Loss
Account:
Interest Cost 136.36 1076.67 134.29 930.06
Expected Return on Plan Assets (166.38) (1048.81) (120.44) (925.29)
Past Service Cost(Non Vested Benefit) recognized 0 0 0 0
Past Service Cost(Vested Benefit) recognized 0 0 0 0
Recognition of Transition Liability 0 0 329.37 0
Actuarial (Gain) or Loss 17.09 506.53 (495.73) 1008.29
Expenses Recognized in P & L 53.25 618.37 (83.38) 1100.59
Actual Return on plan assets:
Expected return on plan assets 166.38 1048.81 120.44 925.29
Actuarial gains/(losses) on plan assets – Due to
Experience (42.56) (72.66) 14.57 263.51
Actual return on plan assets 123.82 976.15 135.01 1188.80
Experience adjustments:
Actuarial (gains)/losses on obligation – Due to
experience (29.08) 422.24 (511.99) 1029.93
Actuarial (gains)/losses on plan assets – Due to
experience (42.56) (72.66) 14.57 263.51
Principal actuarial assumption used (%)
Discount Rate Current 7.79 7.78 7.83 7.76
Rate of return on Plan Assets Current 7.79 7.78 7.83 7.76
Salary Escalation Current 5.00 5.00 5.00 5.00
Attrition Rate Current 0.50 0.50 0.50 0.50
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Other long term benefits:

During the year, Parent Bank has recognized expenses of ₹ 84.09 crore (Pervious year ₹ 72.94) towards
leave encashment expenses based on actuarial valuation.
4.2.2 The Cent Bank Home Finance Ltd, the subsidiary, provides for Gratuity covering eligible employees. To fund
its liability, the Company has taken a Policy with Life Insurance Corporation of India, to cover the accumulated
Gratuity Liability of its employees and the premium paid on this policy has been charged to Profit and Loss
Account and the Provision for Leave Encashment Liability is calculated on the balance of privilege leave of
the employees as on March 31, 2019. The same has been provided for the year ended 31.03.2019.
4.3 Accounting Standard 17 – Segment Report of the Group
i) Segment Revenue and Expenses have been apportioned on the basis of the segment assets wherever direct
allocation is not possible.
ii) As per the revised guidelines of Reserve Bank of India, the Bank has recognized Treasury Operations,
Corporate/Wholesale Banking, Retail Banking and Other Banking Business as Primary Reporting Segments.
There are no Secondary Reporting Segments.
iii) Treasury Operations include dealing in Government and Other Securities, Money Market operations and
Forex operations.
iv) The Retail Banking Segment consists of all exposures upto a limit of ₹ 5 crore (including Fund Based and
Non Fund Based exposures) subject to orientation, product, granularity criteria and individual exposures.
v) The Corporate/ Wholesale Segment consist of all advances to Trusts / Partnership Firms, Companies and
Statutory bodies, which are not included under Retail Banking.
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vi) The other Banking Segment includes all other Banking operations not covered under the above three
categories.
vii) Retail Banking Segment is the Primary resource mobilizing unit and Treasury Segment compensates the
Retail Banking Segment for funds lent by it to them taking into consideration the average cost of deposits
incurred by it.
viii) Allocation of cost:
a. Expenses directly attributable to a particular segment are allocated to the relative segment.
b. Expenses not directly attributable to a specific segment are allocated on rational basis.
4.4 Related Party disclosures as per Accounting Standard 18 – Related Party (of Parent Bank)
1 List of Related Parties:
a. Key Managerial Personnel as on 31.03.2019
S. No Name Designation
i) Mr. Pallav Mohapatra (w.e.f. 21.09.2018) Managing Director & CEO
ii) Mr. P.R. Murthy Executive Director
iii) Mr. Bajrang Shekhawat Executive Director
iv) Mr. Alok Srivastava (w.e.f. 23.01.2019) Executive Director
2. Transactions with Related Parties:
Remuneration paid to key managerial persons: (` in Lakh)
Name Designation Key Management Personnel

31.03.2019 31.03.2018
Mr. Pallav Mohapatra Managing Director & CEO 14.68 0.00
(w.e.f. 21.09.2018)
Mr. Rajeev Rishi (upto 31.07.2018) Managing Director & CEO 39.50 30.13
Mr. B.K. Divakara (upto 22.01.2019) Executive Director 46.55 23.70
Mr. R. C. Lodha (upto 28.02.2017) Executive Director 0.00 0.42
Mr. P.R. Murthy Executive Director 24.98 23.54
Mr. Bajrang Shekhawat Executive Director 24.47 10.93
Mr. Alok Srivastava (w.e.f. 23.01.2019) Executive Director 4.60 0.00
TOTAL 154.79 88.72
Note: Keeping in line with para 9 of the AS – 18 – “Related Party Disclosure” issued by ICAI, transactions
with the Subsidiaries and Associates Enterprises have not been disclosed which exempts the State Controlled
Enterprises from making any disclosures pertaining to transactions with other related State Controlled
Enterprises.
4.5 Accounting Standard 20 – Earnings per Share of the Group

Earnings per share as per AS 20 has been arrived at as follows:
31.03.2019 31.03.2018
Net Profit / (Loss) after Tax available for Equity Share Holder (₹in Crore) (5616.92) (5139.60)
Weighted Average number of Equity Share (No.) 2794601814 1937882867
Basic Earnings per Share (₹) (20.10) (26.52)
Diluted Earnings per Share (₹) (20.10) (26.52)
Nominal Value per Share (₹) 10.00 10.00
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4.6 Accounting Standard 22 – Accounting for Taxes on Income (of the Group)
Keeping in view the significant provisioning requirements and revision in guidelines of Deferred Tax Assets (DTA)
in CET1 calculation by RBI tax review based on management’s estimate of possible tax benefits against timing
difference has been carried out and ₹ 7882.11 Crore has been recognized as Deferred Tax Assets as at 31st
March 2019.
Component of deferred tax assets/ liabilities as on 31st March 2019 are as under:
(` in Crore)
Particulars Deferred Tax Assets Deferred tax Liability

31.03.2019 31.03.2018 31.03.2019 31.03.2018
Parent Bank:-
Business Loss 346.89 0.00 0.00 0.00
Depreciation on Fixed Assets 0.00 0.00 27.77 21.24
Interest accrued but not due on investments 0.00 0.00 645.15 586.56
Provision for Leave Encashment 250.87 221.49 0.00 0.00
Provision for Investments 0.00 575.91 0.00 0.00
Provision for Loans and Advances 8004.11 5213.37 0.00 0.00
Special Reserve u/s36(1)(viii) of I.T. Act 1961 0.00 0.00 34.94 34.94
Cent Bank Home Finance Ltd.
Provision on Advances 4.29 4.71 0.00
Depreciation on Fixed Assets 0.03 0.01 0.00
Others 0.00 1.60 2.13
Special Reserve u/s36(1)(viii) of I.T. Act 1961 0.00 15.18 13.62
CentBank Financial Services Ltd. (Net) 0.60 0.57 0.00
TOTAL 8606.76 6016.08 724.65 658.49
Net Deferred Tax Asset/(Liability) 7882.11 5357.59
Net increase in Deferred tax assets for the year 2018-19 is ₹ 2524.52 crore (Previous year ₹ 3013.23 crore) has
been recognized in profit and loss account.
4.7 Accounting Standard – 28 –Impairment of Assets

A substantial portion of Bank’s assets comprise financial assets to which Accounting Standard-28 on impairment of
assets of the Bank is not applicable. In the opinion of the Management, there is no material impairment on Other
Assets other than financial assets as at March 31, 2019, requiring recognition in terms of the Standard.
4.8 Accounting Standard – 29 on Provisions Contingent Liabilities and Contingent Assets (of Parent Bank)
i) Provisions and Contingencies
(` in Crore)
Break-up of Provisions and Contingencies shown 31.03.2019 31.03.2018
under the head Expenditure in P&L Account
Provisions/Depreciation on Investment(Net) 983.88 794.17
Provision towards NPA 11029.86 10543.58
Provision towards Standard Asset (114.93) 6.31
Provision made for Taxes (2528.74) (2791.07)
Provision for Restructured Advances (425.02) (950.62)
Other Provisions (177.08) 235.52
TOTAL 8767.97 7837.89
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ii) Floating Provisions

(` in Crore)
Particulars 31.03.2019 31.03.2018
A Opening balance in the Floating Provisions account 100.56 100.56
B The quantum of Floating Provisions made in the Accounting Year - -
C Amount of draw down made during the Accounting Year. - -
D Closing balance in the Floating Provisions account 100.56 100.56
iii) Countercyclical Provisioning Buffer:

(` in Crore)
Particulars 31.03.2019 31.03.2018
A Opening balance in the Countercyclical Provisions account 47.34 47.34
B The quantum of Countercyclical Provisions made in the - -
Accounting Year
C Amount of draw down made during the Accounting Year. - -
D Closing balance in the Countercyclical Provisions account 47.34 47.34
5 Other Disclosures:-
5.1 Corporate Social Responsibility:
During the year Cent Bank Home Finance Ltd., the subsidiary, has spent ₹ 0.39 crore (Pervious year ₹ 0.33
towards Corporate Social Responsibility under section 135 of Companies Act 2013 and rules thereon.
5.2 Provisioning Coverage Ratio (PCR)

The PCR (inclusive of Technical write off) stood at 76.60 % (Previous Year 63.31%) – Parent Bank.
5.3 Centbank Financial Services Ltd., the subsidiary, holds investments in the nature of shares, securities and
immovable properties on behalf of its clients in a fiduciary capacity on a Trustee-Beneficiary relationships, which in
the opinion of the Board of Directors are adequately safeguarded and properly recorded and all duties arising from
such fiduciary relationships are adequately fulfilled.
5.4 Centbank Financial Services Ltd., the subsidiary, has not transferred or allocated dividend, interest and other
corporate benefits received over a period of time from various companies / undertakings, amounting to ₹1.51 crore
to the trusts / beneficiaries, on whose behalf the investment portfolios are held under Trusteeship Services. The
said amount stood at ₹1.43 crore as at 31.03.2018 and has increased to ₹ 1.51 crore as at 31.03.2019. Similarly,
it has not transferred or allocated sales / redemption proceeds of shares / debentures amounting to ₹ 0.16 crore
to the respective trust / beneficiary. The same is outstanding since 2005-06. It has kept the above funds in current
account with its bank.
5.5 In terms of RBI guidelines DBOD No.BP.BC.57/62-88 dated December 31, 1988, Inter-Bank Participation
Certificates (IBPC) of ₹ Nil as on March 31, 2019 (Previous year ₹ 2,115.52 crore were issued on risk sharing
basis for a maximum period of 120 days ended July 30, 2018, thereby reducing the Parent Bank’s Total Advances
as on March 31, 2018 to same extent.)
5.6 As per the information compiled by the Management, the Vendors, whose services are utilized and from whom
purchases were made by the Group, are not registered under Micro, Small and Medium Enterprises Development
Act, 2006. This is relied upon by the Auditors.
5.7 Implementation of the Guidelines on Information Security, Electronic Banking, Technology Risk Management and
Cyber Frauds
The Parent Bank has formulated policies as per RBI circular RBI/2010-11/494 DBS. CO. ITC. BC. No. 6/31.
02.008/2010-11dated April 29 2011. These policies are being reviewed by the management of the Parent Bank on
periodical basis. The policies were last reviewed by the Board of Directors in the meeting held on 28.03.2019.
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5.8 Additional statutory information disclosed in individual financial statements of the Parent and Subsidiaries having
no bearing on the true and fair view of the Consolidated Financial Statements and also the information pertaining
to the items which are not material have not been disclosed in the Consolidated Financial Statements in view of
the general clarification issued by the ICAI.
5.9 Disclosure with respect to NCLT provisions:-
As per RBI circular No. DBR No.BP.15199/21.04.048/2016-17 and DBR No. BP .1906 /21.04.048/2017-18 dated
June 23, 2017 and August 28, 2017 respectively, for the accounts covered under the provisions of Insolvency
and Bankruptcy Code (IBC), the Parent Bank is holding total provision of ₹ 6,479.59 crores (86.34% of total
outstanding) as on March 31, 2019.
5.10 The RBI had permitted Banks vide its Circular DBR.No.BP.BC.108/21.04.048/2017-18 dated 6th June 2018 to
continue the exposures to MSME borrowers to be classified as standard assets. Accordingly, the Parent Bank has
retained advances of Rs.241.68 crores as standard assets as on 31.03.2019. In accordance with the provisions
of the circular, the Parent Bank has not recognized un-realized interest on these accounts and maintained a
standard assets provision of Rs.12.08 crores (@ 5% on Rs.241.68 crores) as on March 31, 2019 in respect of
such borrowers. Further, in accordance with RBI vide circular no. DBR.No.BP.BC.18/21.04.048/2018-19 dated
1st January 2019, on “Relief for MSME borrowers registered under Goods and Service Tax (GST)” the details of
MSME restructured accounts as on 31.03.2019 as under:-
No. of Accounts Restructured Amount (Rs. in crores)

1202 97.13
5.11 Disclosure with respect to spreading of MTM Losses :-

The RBI had permitted Banks vide its Circular DBR.No.BP.BC.113/21.04.048/2018-19 dated 15th June 2018, to
spread MTM losses on investments held in AFS and HFT category for the quarter ended 30th June 2018, over
four quarters commencing from that quarter, in which loss has been incurred. The Parent Bank had incurred such
loss amounting to ₹ 74.81Crore during the quarter ended 30th June, 2018 and provided ¼ of such loss each in
June and September 2018 quarters by availing the benefit permitted for staggering of provision and un-amortised
balance was ₹ 37.40 Crore. Since Bond rate has eased as on 31.12.2018 deferred provision was not required.
Consequent to the above, entire MTM Losses stands fully covered as on 31.03.2019.
5.12 Previous year figures have been re-grouped / re-classified wherever considered necessary to confirm to current
year’s classification.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
367
CONSOLIDATED CASH FLOW STATEMENT

(` in Crore)
PARTICULARS 31- 03- 2019 31- 03- 2018
A CASH FLOW FROM OPERATING ACTIVITIES
Net Profit/(Loss) before Taxes & Minority Interest (8,131.13) (7,913.90)
I Adjustments for:
Depreciation on fixed assets 277.93 260.50
Depreciation on investments (including on matured debentures) 983.88 794.17
Bad Debts written off/Provision in respect of non performing assets 10,628.26 9,566.65
Provision for Standard Assets (115.75) 5.51
Provision for Other items (Net) (198.54) 263.96
(Profit) / Loss on sale of fixed assets (Net) 4.43 4.49
Sub total 3,449.08 2,981.38
II Adjustments for :
Increase / (Decrease) in Deposits 4,956.90 (1,954.74)
Increase / (Decrease) in Borrowings (386.02) (3,597.62)
Increase / (Decrease) in Other Liabilities and Provisions (1,103.14) (1,826.94)
(Increase) / Decrease in Advances (574.21) (26,582.21)
(Increase) / Decrease in Investments (23,667.15) (11,287.07)
(Increase) / Decrease in Other Assets 2,635.91 (1,808.19)
Direct Taxes Paid (Net of Refund etc) 178.64 (301.02)
Sub total (17,959.07) (47,357.80)
NET CASH FLOW FROM OPERATING ACTIVITIES (A) (14,509.98) (44,376.42)
B CASH FLOW FROM INVESTING ACTIVITIES

Sale / Disposal of Fixed Assets 3.48 4.13
Purchase of Fixed Assets (254.42) (314.36)
NET CASH FLOW FROM INVESTING ACTIVITIES (B) (250.94) (310.23)
C CASH FLOW FROM FINANCING ACTIVITIES

Share Capital (Including Share Premium) 6,592.00 5,158.00
Share Application Money 212.54 -
Dividend - Equity shares Inculding Interim Dividend (7.00) (3.25)
Dividend Tax (1.43) (0.66)
NET CASH FLOW FROM FINANCING ACTIVITIES (C) 6,796.11 5,154.09
D Net increase in cash & cash equivalents (A + B + C) or (F - E) (7,964.81) (39,532.56)
368
CONSOLIDATED CASH FLOW STATEMENT

(` in Crore)
PARTICULARS 31- 03- 2019 31- 03- 2018
E CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR
Net cash and cash equivalents at the beginning of the year (E) 39,262.41 78,794.97
F CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR

Net cash and cash equivalents at the end of the year (F) 31,297.59 39,262.41
Notes:
1) The above Consolidated Cash Flow Statement has been prepared under the ‘Indirect Method’ as set out in the
Accounting Standard -3 on Cash Flow Statement issued by ICAI.
2) Previous year figures have been regrouped/rearranged to conform to those of current years.


M.No.087002 M.No.133755 M.No.039585 M.No.093348
Place: Mumbai
Date: May 22, 2019
369
veesìdme / Notes
370

Head Office : Chandermukhi, Nariman Point, Mumbai 400021
FORM ‘B’
PROXY FORM
(To be filled in and signed by the shareholder)
12th Annual General Meeting
Folio No. or DP Id # / Client-Id #
No. of Shares held
I/We, resident of in the
district of in the State of being a shareholder/shareholders of
Central Bank of India 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 the 12th ANNUAL GENERAL MEETING of the shareholders of CENTRAL BANK OF INDIA to be held
on Friday, 28th June, 2019 at 12.00 Noon on 9th Floor at the head office of the Bank situated at Chandermukhi, Nariman
Point, Mumbai - 400 021 and at any adjournment thereof.
Signed this day of 2019.
Signature of the Proxy
Signature of the first named/ sole Shareholder
Name
(in Block Letters)
Address
371
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 or by his/her attorney duly authorised in writing.
b) In case of joint holders, it is signed by the shareholder first named in the Register of Members or by his/her
attorney, duly authorised in writing.
c) In the case of a body corporate, it is signed by its officer or an attorney duly authorised in writing.
2. An instrument of Proxy shall be sufficiently signed by any shareholders who is for any reason , unable to write his/her
name, if his/her thumb impression is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of
Assurance or other Government Gazetted Officer or an officer of Central Bank of India.
3. No Proxy shall be valid unless it is duly stamped and is deposited at the Head Office of the Bank situated at
Chandermukhi, Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on
or before 5.00 PM on Friday, 21st June, 2019, being the immediate preceding working day to Sunday, 23rd June,
2019 which is holiday, 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 Authority Certified as True Copy by a Notary Public or a Magistrate unless such a
Power of Attorney or any other Authority is previously deposited and registered with the Bank.
4. An instrument of Proxy deposited with the Bank shall be irrevocable and final.
5. 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.
6. The shareholders who have executed an instrument of Proxy shall not be entitled to vote in person at the meeting to
which such instrument relates.
7. No person shall be appointed a duly authorised representative or a proxy who is an officer or an employee of the
Bank.
8. All alterations in the Proxy Form should be duly initialed by the executant.
9. No instrument of Proxy shall be valid unless it is in ‘Form B’.
372

ATTENDANCE SLIP
12th Annual General Meeting – Friday, 28th June, 2019 at 12.00 Noon
Regd. Folio/DPID & Client ID/No. of Shares

Name and address of the Member
(In Block Letters)
Joint Holders
Name of the Proxy-holder/Representative

Present in Block Letters (if any)
Signature of the Member/Proxy/

Representative Present
Day and Date Friday, 28th June, 2019

Place Central Bank of India, Head Office, 9th Floor, Chandermukhi, Nariman Point,
Mumbai- 400 021

ENTRY PASS
(To be retained throughout the meeting)
12th Annual General Meeting – Friday, 28th June, 2019 at 12.00 Noon
Place: Central Bank of India, Head Office, 9th Floor, Chandermukhi, Nariman Point, Mumbai – 400 021
Regd. Folio/DPID & Client ID/No. of Shares
Name of Member
No. of Shares
Name and signature of attending Member/ Bank Stamp and Signature

Proxy/Authorised Representative Present
Shareholders/Proxy holders/Authorised Representatives are requested to produce this Attendance-slip-cum-Entry pass
duly signed, for admission to the venue. The Entry pass portion will be handed back to the shareholders/Proxy holders/
Authorised Representatives, who should retain it till the conclusion of the meeting. The admission will, however, be subject
to verification/checks, as may be deemed necessary. Under no circumstances, any duplicate Attendance slip-cum-Entry
pass will be issued at the entrance to the meeting hall.
373
veesìdme / Notes
374
veesìdme / Notes
375
veesìdme / Notes
376

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