>g13 gT4 Indian Bank c0141k1t1

254-260, 3-1-4 T4-] Tflt,

_ 51.11fidl1d ALLMAIAD
7TEEIV, — 600 014
Ra41.) tat" . &-r Corporate Office
INVESTOR SERVICES CELL 254-260, Avvai Shanmugam Salai,
/ website: www.indianbank.in Royapettah, Chennai - 600 014
t-4(1 / e-mail: ibinvestorrelations@indianbank.co.in vaillsilPhone: 044-28134076/28134698/28134484
Ref: ISC/60/2022-23 Date: 01.06.2022

The Vice President

BSE Ltd.
25, P. J. Towers
Dalai Street, Mumbai-400001

BSE Scrip Code- 532814

Dear Sir/ Madam,

Subject: Update regarding Annual Report of the Bank for FY 2021-22

Kindly refer our letter No. ISC/59/2022-23 dated 31.05.2022 wherein we uploaded
Annual Report of the Bank for FY 2021-22 containing therein Business Responsibility
Report.

In this connection, we have to inform further that while going through the website of
BSE, we observed that some contents in the Annual Report FY 2021-22 being
displayed on the BSE website are not visible/appearing.

In view of the above, we are once again uploading the Annual Report of the Bank for
FY 2021-22 containing therein Business Responsibility Report.

This is for your information, records and dissemination please.

Yours faithfully,

For Indian Bank

..ageri44 4fat
(Dina Nath Kumar)
AGM & Company Secretary
fot+u
**xzkgd dsafnzr lsokvksa] deZpkfj;ksa dh lgHkkfxrk o lrr~ fodkl ds ek/;e
ls mRÑ"V foRrh; lsok,¡ iznku djuk**

Vision
“Delivering excellence in financial services through customer
focus, employee engagement and sustainable growth”

fe'ku
Ÿ gekjh lsokvksa esa loksZRre uoksUes"k ,oa çkS|ksfxdh dk lekos'k djuk
Ÿ lHkh pSuyksa ds ek/;e ls izR;sd xzkgd dh fof'k"V vko';drkvksa dh iwfrZ
djuk
Ÿ fgr/kkjdksa dh vko';drkvksa ,oa fgrksa dk mfpr /;ku j[kuk
Ÿ deZpkfj;ksa dks l'kDr ,oa Hkkxhnkj cukuk

Mission
Ÿ Bring the best of innovation and technology in our offerings
Ÿ Be responsive to the unique needs of every customer
through all channels of choice
Ÿ To provide value to stake holders
Ÿ Empower and engage our employees
 31-03-2022 d¨ funs'kd eaMy
BOARD OF DIRECTORS AS ON 31.03.2022

Jh ,l ,y tSu
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
Shri S L Jain
Managing Director & Chief Executive Officer

Jh 'ks.k‚; foÜoukFk oh Jh bejku vehu flíhdh Jh vÜouh dqekj

dk;Zikyd funs'kd dk;Zikyd funs'kd dk;Zikyd funs'kd
Shri Shenoy Vishwanath V Shri Imran Amin Siddiqui Shri Ashwani Kumar
Executive Director Executive Director Executive Director

Jh latho dkSf'kd M‚ vkfnR; xsgk M‚- Hkjr —".k 'kadj

Lkjdkj }kjk ukfer funs'kd vkjchvkbZ }kjk ukfer funs'kd 'ks;jèkkjd funs'kd
Shri. Sanjeev Kaushik Dr. Aditya Gaiha Dr. Bharath Krishna Sankar
Government Nominee Director RBI Nominee Director Shareholder Director

lqJh ikfi;k lsuxqIrk Jh ckyeqdqan lgk; Jh foÜos'k dqekj xks;y

'ks;jèkkjd funs'kd va'kdkfyd xSj&ljdkjh funs'kd va'kdkfyd xSj&ljdkjh funs'kd
Ms. Papia Sengupta Shri Balmukund Sahay Shri Vishvesh Kumar Goel
Shareholder Director Part-time Non-Official Director Part-time Non-Official Director
 eq[; lrdZrk vf/kdkjh / CHIEF VIGILANCE OFFICER

Jh lqèkkdj vkj v¸;j

Shri Sudhakar R Iyer

31-03-2022 d¨ egkizca/kdx.k / GENERAL MANAGERS AS ON 31.03.2022

Jh fodkl dqekj Jh osadVs'k is#eky ih Jh lqèkka'kq xkSM+ Jh dkfejsìh paæk jsìh

Shri Vikas Kumar Shri Venkatesa Perumal P Shri Sudhanshu Gaur Shri Kamireddy Chandra Reddy

Jh eqfä ukFk iVsy Jh jfoanj flag Jh vHk; dqekj egkik=k Jh gjnhi flag vgywokfy;k
Shri Mukti Nath Patel Shri Ravinder Singh Shri Avaya Kumar Mohapatra Shri Hardeep Singh Ahluwalia

lqJh nhfIr JhokLro Jh fct; dqekj lkjaxh Jh lrh'k dqekj lqJh tfQ;k Qjhn rksêRrq dqfMf;y
Ms. Dipti Shrivastava Shri Bijay Kumar Sarangi Shri Satish Kumar Ms. Zaphia Fareed Thottathikudiyil

Jh lqèkkdj jko ds ,l Jh fcu; dqekj flag Jh Hkkjrh lh Jh egs'k dqekj ctkt

Shri Sudhakara Rao K S Shri Binoy Kumar Singh Shri Bharathi C Shri Mahesh Kumar Bajaj
 egkizca/kdx.k / GENERAL MANAGERS

Jh lqthr dqekj Ms Jh xksih —".ku lh vkj Jh 'kf'k Hkw"k.k nk'k Jh jksfgr _f"k Jh v#.k dqekj caly
Shri Sujit Kumar Dey Shri Gopi Krishnan C R Shri Sashi Bhusan Dash Shri Rohit Rishi Shri Arun Kumar Bansal

lqJh ek;k ukxjktu oh Jh Hkäqyk lwfjckcw Jh v'kksd iVuk;d Jh x.ks'kjkeu , Jh vejsUnz dqekj lkgh
Ms. Maya Nagarajan V Shri Bhaktula Suribabu Shri Ashok Patnaik Shri Ganesaraman A Shri Amarendra Kumar Shahi

Jh èkujkt Vh Jh nhid lkjM+k Jh lqt; efyd lqJh oSyjh jFk Jh lqèkhj dqekj xqIrk
Shri Dhanaraj T Shri Deepak Sarda Shri Sujay Mallik Ms. Vallery Rath Shri Sudhir Kumar Gupta

Jh lqjs'k dqekj ,l Jh lq[k lkxj çlkn jk; Jh th- jktsÜoj jsìh lqJh xk;=h ,l Jh eukst dqekj nkl
Shri Suresh Kumar S Shri Sukh Sagar Prasad Roy Shri G. Rajeswara Reddy Ms. Gayathri S Shri Manoj Kumar Das

Jh iadt f=ikBh Jh eqYyiqfM ckykth lqjs'k dqekj Jh osadVs'ku ,e Jh nhid xqIrk

Shri Pankaj Tripathi Shri Mullapudi Balaji Suresh Kumar Shri Venkatesan M Shri Deepak Gupta
 cSad dh LFkkiuk ls ysdj vc rd dk laf{kIr bfrgkl
A BRIEF HISTORY OF THE BANK SINCE ITS INCORPORATION

oh- d`".kLokeh v¸;j

bafM;u cSad d¢ laLFkkid
V. Krishnaswamy Iyer
Founder of Indian Bank

1907

l cSad dks 5 ekpZ] 1907 dks 20 yk[k dh vfèk—r iwath ds lkFk · Bank was incorporated on March 5, 1907 with an
LFkkfir fd;k x;k vkSj 15 vxLr] 1907 dks cSad us viuk O;olk; Authorized Capital of `20 lakhs and commenced its
'kq: fd;kA business on August 15, 1907.

l o"kZ 1907 esa] bafM;u cSad fyfeVsM us vius çrhd ds fgLls ds :i esa · In the year 1907, the Indian Bank Ltd. had the tree
^cjxn* o`{k dks viuk;k Fkk tks çR;sd {ks= esa çxfr] loZ= fodkl vkSj 'Banyan' as a part of its emblem denoting an all around
fujarj c<+rh gqbZ le`f) dk |ksrd FkkA progress, growth (far and wide) and an ever increasing
prosperity.

1921

· cSad dh iwath #- 20 yk[k ls c<+dj #-60 yk[k gks xbZA · Bank's capital was raised to `60 lakhs from
` 20 lakhs.

1932

· cSad us jtr t;arh eukbZA l Bank celebrated its Silver Jubilee

l Bank opened its first overseas operations in Colombo
· cSad us dksyacks esa igyh fons'kh 'kk[kk [kksyhA

1941

· flaxkiqj 'kk[kk [kksyh xbZA l Singapore branch was opened

1957

· cSad us Lo.kZ t;arh eukbZA l Bank celebrated its Golden Jubilee

1967

· cSad us ghjd t;arh eukbZA l Bank celebrated its Diamond Jubilee

1978

· ,d dsaæh; fcanq cukrs gq, rhu pDdjnkj rhj ds :i esa cSad ds yksxks dks l Bank’s logo comprising of three circling arrows arranged
Loh—fr feyhA around a central point was approved.
 1982
· cSad us IysfVue tqcyh eukbZA l Bank celebrated its Platinum Jubilee.

1990
l 157 'kk[kkvksa okys cSad v‚Q ratkoqj fyfeVsM ¼chvksVh½ dks cSad ds l Bank of Thanjavur Ltd. (BoT) with 157 branches was
lkFk lekesfyr fd;k x;kA amalgamated with the Bank.

2006

· egkefge jk"Vªifr Jh , ih ts vCnqy dyke }kjk 4 flracj dks 'krkCnh o"kZ l The centenary year celebration was inaugurated by His
lekjksg dk mn~?kkVu fd;k x;kA Excellency the President of India Shri. A P J Abdul Kalam
on 4th September.

2007

· cSad Qjojh] 2007 esa çkjafHkd lkoZtfud çLrko yk;kA l Bank went in for Initial Public Offer in February, 2007.

2008

· 100 çfr'kr dksj cSafdax l‚Y;w'kal ¼lhch,l½ dk vuqikyu fd;k x;kA l Achieved 100 per cent Core Banking Solutions (CBS)
compliant

2019

· bafM;u cSad }kjk çk;ksftr iYyou xzke cSad vkSj bafM;u vksojlht cSad
}kjk çk;ksftr ikafM;u xzke cSad ds lQy lekesyu ds ckn 1 vçSy 2019
dks ^rfeyukMq xzke cSad* dk ifjpkyu 'kq: gqvkA
· Hkkjr ljdkj us bafM;u cSad esa 155 o"kksZa dh fojklrokys bykgkckn cSad ds
lekesyu dh ?kks"k.kk dhA
l Tamil Nadu Grama Bank' commenced operations on
st
1 April 2019 after a successful amalgamation of Pandyan
Grama Bank of Indian Overseas Bank with Bank's
Pallavan Grama Bank.
l Government of India announced Amalgamation of
Allahabad Bank – a bank with 155 years legacy into
Indian Bank.

2020

· cSad us 1 vçSy] 2020 dks lekesfyr bdkbZ ds :i esa ifjpkyu 'kq: fd;kA l Bank commenced its operation as an amalgamated entity
nksuksa cSadksa ds lhch,l flLVe dk ,dhdj.k 14-02-2021 dks iwjk fd;k from 1st April 2020. The integration of CBS systems of both
the Banks was completed on 14.02.2021.
x;kA
2022

· cSad us ` 10 yk[k djksM+ ls vfèkd dk oSfÜod dkjksckj çkIr fd;kA l Bank’s Global Business surpassed `10 lakh Cr.
 dkWiksZjsV dk;kZy; : 254-260, vOoS "k.eqxe lkyS
psUuS - 600 014

Okkf"kZd fjiksVZ 2021&22

fo"k;oLrq
i`"B la.
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh dk lans'k 1
funs'kdksa dh fjiksVZ 7
çca/ku fopkj foe'kZ ,oa fo'ys"k.k 10
dkjksckj mRrjnkf;Ro fjiksVZ 30
dkWiksZjsV vfHk'kklu ij fjiksVZ 41
dkWiksZjsV vfHk'kklu ij ys[kkijh{kdksa dh fjiksVZ 71
lhbZvks ,oa lh,Qvks }kjk vuqikyu izek.ki= 72
lfpoh; ys[kk ijh{kk fjiksVZ 73
LVSaMvy¨u foRrh; fooj.k %
l rqyu i=] ykHk ,oa gkfu ys[kk vkSj vuqlwfp;k¡ 77
l eq[; ys[kkadu uhfr;ka 89
l ys[kksa ij fVIif.k;ka 94
l ys[kk ijh{kdksa dh fjiksVZ 135
lesfdr foRrh; fooj.k %
l rqyu i=] ykHk ,oa gkfu ys[kk vkSj vuqlwfp;k¡ 143
l eq[; ys[kkadu uhfr;ka 153
l ys[kksa ij fVIif.k;ka 161
l ys[kk ijh{kdksa dh fjiksVZ 178
csly & III izdVhdj.k 183

bafM;u cSad 'ks;j varj.k ,tsaV

fuos’kd lsok,a d{k dsfe;ks dkWiksZjsV lfoZlst+ fyfeVsM
la[;k. 254-260, vOoS "k.eqxe lkyS ;wfuV% : bafM;u cSad
jk;isV~Vk lqczef.k;u fcfYMax] 1, Dyc gkml jksM
psUuS – 600 014 psUuS – 600 002
nwjHkk"k la- 044 2813 4698; QSDl la. 044 28134075 nwjHkk"k la- 044 28460718; QSDl la. 044 28460129
bZ&esy : investors@indianbank.co.in bZ&esy : investor@cameoindia.com

ys[kkijh{kd

—rs es- Jh jkeewfrZ ,.M daiuh —rs es- jfojatu ,.M daiuh ,y,yih —rs es- ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj

—rs es- th- uVslu ,.M daiuh —rs es- ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj

lfpoh; ys[kk ijh{kd

oh- lqjs'k ,lksfl,V~l
O;kolkf;d daiuh lfpo
 Corporate Office : 254-260, Avvai Shanumugam Salai
Chennai - 600 014

Annual Report 2021-22

CONTENTS
Page No.
MD & CEO’s Message 1
Directors’ Report 233
Management Discussion and Analysis 236
Business Responsibility Report 256
Report on Corporate Governance 267
Auditors’ Certificate on Corporate Governance 297
Compliance Certificate by CEO and CFO 298
Secretarial Audit Report 299
Standalone Financial Statements :
l Balance Sheet, Profit and Loss Account and Schedules 303
l Significant Accounting Policies 315
l Notes on Accounts 320
l Auditors’ Report 361
Consolidated Financial Statements :
l Balance Sheet, Profit and Loss Account and Schedules 369
l Significant Accounting Policies 379
l Notes on Accounts 386
l Auditors’ Report 403
Basel - III Disclosures 409

Indian Bank Share Transfer Agent

Investor Services Cell Cameo Corporate Services Limited
No.254-260, Avvai Shanmugam Salai Unit : Indian Bank
Royapettah Subramanian Building, 1, Club House Road
Chennai - 600 014 Chennai - 600 002
Tel No. 044 2813 4698; Fax No. 044 28134075 Tel No. 044 28460718; Fax No. 044 28460129
E-Mail : investors@indianbank.co.in E-Mail : investor@cameoindia.com

Auditors

For M/s Sriramamurthy & Co. For M/s Ravi Rajan & Co. LLP For M/s PKF Sridhar & Santhanam LLP
Chartered Accountants Chartered Accountants Chartered Accountants

For M/s G. Natesan & Co. For M/s SARC & Associates
Chartered Accountants Chartered Accountants

Secretarial Auditor
V. SURESH ASSOCIATES
Practising Company Secretary
 dkWiksZjsV dk;kZy; % 254 - 260 vOoS "k.eqxe lkyS
Corporate Office : 254-260, Avvai Shanmugam Salai
psUuS Chennai - 600 014
okf"kZd fjiksVZ Annual Report 2021-22
fu"iknu dh izeq[k ckrsa PERFORMANCE HIGHLIGHTS
¼A djksM+ esa½ (A in crore)
fooj.k Particulars 31.03.18* 31.03.19* 31.03.20* 31.03.21 31.03.22
dqy dkjksckj Total Business 371020 429972 466116 928388 1009243
tek,a ¼Xykscy½ Deposits (Global) 208294 242076 260226 538071 593618
vfxze ¼Xykscy½ Advances (Global) 162726 187896 205890 390317 415625
fuos'k ¼ldy½ Investments (Gross) 71232 66117 82622 181991 180235
C;kt vk; Interest Income 17113 19185 21405 39106 38856
xSj C;kt vk; Non Interest Income 2406 1883 3312 5650** 6915
dqy vk; Total Income 19519 21068 24717 44756** 45771
C;kt O;; Interest Expenses 10850 12167 13798 23440 22128
ifjpkyuxr O;; Operating Expenses 3668 4020 4421 10349 10926
dqy O;; Total Expenditure 14518 16187 18219 33789 33054
ifjpkyuxr ykHk Operating Profit 5001 4881 6498 10967** 12717
fuoy ykHk Net Profit 1259 322 753 3005 3945
tek ykxr (%) Cost of Deposits (%) 5.40 5.28 5.34 4.44 3.97
vfxzeksa ij izfrQy (%) Yield on Advances (%) 8.50 8.45 8.46 7.45 7.21
fuoy C;kt ekftZu (%) Net Interest Margin (%) 2.90 2.96 2.87 2.81 2.93
vkfLr;ksa ij izfrQy (%) Return on Assets (%) 0.53 0.12 0.26 0.50 0.63
bZfDoVh 'sk;j iwath Equity Share Capital 480 480 609 1129 1245
fjt+oZ ,oa vf/k'ks"k ¼iquewZY;u fjt+oZ dks NksM+dj½
Reserves & Surplus (excluding Revaluation Reserve) 15347 15813 18493 31528 36252
fuoy laifRr Net Worth 15827 15785 18357 29812 33625
ldy ,uih, (%) Gross NPA (%) 7.37 7.11 6.87 9.85 8.47
fuoy ,uih, (%) Net NPA (%) 3.81 3.75 3.13 3.37 2.27
iwath i;kZIrrk vuqikr - csly III Capital Adequacy Ratio - Basel III 12.55 13.21 14.12 15.71 16.53
izfr 'sk;j vtZu (A) Earnings Per Share (A) 26.21 6.70 14.33 26.61 32.38
izfr 'ks;j cgh ewY; (A) Book Value per Share (A) 329.53 328.64 301.53 263.98 269.98
izfr bZfDoVh 'ks;j ykHkka'k (A) Dividend per Equity Share (A) --- -- -- 2.00 6.50
'kk[kkvksa dh la[;k ¼uacj½ No. of branches (Nos.) 2823 2875 2890 6007 5735
deZpkfj;ksa dh la[;k ¼uacj½ No. of employees (Nos.) 19843 19604 18758 41629 39803
izfr deZpkjh dkjksckj ¼A yk[kksa esa½ Business per employee (A in lacs) 1856 2174 2462 2217 2520

*vkadM+s iwoZ&lekesyu vof/k ds LVSaMvyksu bafM;u cSad ds foÙkh; ifj.kkeksa ls lacaf/kr gSa] vr% budh rqyuk lekesyu i'pkr foÙkh; ifj.kkeksa ds lkFk u dh tk,A
*Figures are related to standalone Indian Bank financial results for pre-amalgamation period, hence not comparable with post
amalgamation financial results.
** tgka Hkh vko';d gks] pkyw o"kZ ds vkadMksa ds vuq:Ik cukus ds fy, fiNys o"kZ ds vkadM+ksa dks iqu% oxhZÑr fd;k x;k gS & foRrh; fooj.kksa ij vkjchvkbZ ds ekLVj funs'kksa
ds vkyksd esa & ÁLrqfrdj.k ,oa ÁdVhdj.k fnukafdr 30-08-2021A
** Figures of earlier period have been regrouped wherever necessary to confirm the current year classification - In the light of RBI
Master Direction on Financial Statements – Presentation and Disclosures dated 30.08.21
 izca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh dk lans'k
MD & CEO's Message
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
fç; 'ks;jèkkjdks]
foÙkh; o"kZ 2021&22 ds nkSjku vkids cSad ds fu"iknu dh çeq[k fo'ks"krkvksa dks
vkids lkeus çLrqr djrs gq, eq>s vfr çlUurk gks jgh gSA vkidk cSad fodkl
iFk ij xfr'khy gS vkSj bl o"kZ ds nkSjku cSad dh miyfCèk;ksa vkSj igyksa dk
fooj.k okf"kZd fjiksVZ esa fn;k x;k gSA
vkids cSad us ;g miyfCèk ,sls vkfFkZd ekgkSy ds nkSjku çkIr dh gS tc Hkkjrh;
vFkZO;oLFkk us dbZ ckgjh vkSj vkarfjd pqukSfr;ksa ls tw>rs gq, vPNk fu"iknu
fd;k gSA eSa ekStwnk foÙkh; ra= vkSj oSfÜod o Hkkjrh; vFkZO;oLFkk dh fLFkfr dks
la{ksi esa çLrqr djuk pkgrk gw¡A
oSfÜod vFkZO;oLFkk %
;wØsu esa ;q) vkSj oLrqvksa dh dherksa ij blds ifj.kkeh çHkko us foÜo Lrj ij
fodkl dks ckfèkr fd;k gSA ;g dPps rsy dh vfLFkj dherksa] mUur
vFkZO;oLFkkvksa esa c<+rh C;kt njksa] nqfu;k ds dqN fgLlksa esa c<+s gq, O;kikfjd
ruko vkSj Hkw&jktuhfrd vfuf'prrkvksa ls çHkkfor FkkA vfr eqækLQhfr ij
vadq'k yxkus ds fy,] ;w,l&la?k us igys gh uhfrxr njksa dks ekpZ'22 esa 25
chih,l vkSj ebZ'22 esa 50 chih,l c<+k fn;k gS vkSj vkxkeh eghuksa esa blesa
c<+ksrjh dh laHkkouk gSA phu ds l[r vkSj O;kid dksfoM&19 çfrcaèkksa us
dkj[kkuksa esa mRiknu dks jksd fn;k vkSj ?kjsyw ekax dks ladqfpr dj fn;k]
ftlls O;kid vkfFkZd ladV iSnk gks x;kA
ckfèkr vkiwfrZ vkSj rhoz vkfFkZd vfuf'prrkvksa ds dkj.k oLrqvksa dh vfèkd
dherksa us eqækLQhfr ds ncko dks c<+k fn;k gS] ftlls ifjokjksa dh okLrfod
vk; de gks xbZA ifj.kkeLo:i] varjkZ"Vªh; eqæk dks"k us o"kZ 2022 vkSj 2023 ds
fy, oSfÜod fodkl vuqekuksa dks ?kVkdj 3-6% dj fn;k gSA
Hkkjrh; vFkZO;oLFkk %
;|fi Hkkjrh; vFkZO;oLFkk èkheh [kir ekax vkSj c<+rs jktdks"kh; ?kkVs ds dkj.k
çHkkfor gqbZ Fkh fQj Hkh] ;g foÜo dh lcls rsth ls c<+rh gqbZ vFkZO;oLFkkvksa esa
ls ,d gSA jk"Vªh; lkaf[;dh dk;kZy; ¼,u,lvks½ }kjk foÙk o"kZ 22 ds fy, tkjh
f}rh; iwoZ vuqeku ds rgr okLrfod ldy ?kjsyw mRikn ¼thMhih½ dh o`f) dks
-1-
,l ,y tSu
S L Jain
MANAGING DIRECTOR & CEO
Dear Shareholders,
It is my privilege to present before you the highlights of your
Bank's performance during the financial year 2021-22. Your
Bank continued to be on the growth trajectory and the details
of achievements and initiatives of the Bank are provided in the
Annual Report for the year.
The performance of your Bank came in an economic
environment where the Indian economy did well despite
multiple challenges faced externally as well as internally. Let
me begin with a short glimpse of the prevailing financial eco-
system and the outlook for global and Indian economy.
Global Economy:
The war in Ukraine and its consequent impact on commodity
prices cast a cloud on the growth outlook globally. It was
buffeted by volatile crude prices, rising interest rates in the
Advanced Economies, heightened trade tensions and
geopolitical uncertainties in some parts of the world. To curb
runaway inflations, the US-Fed has already increased the
policy rates by 25bps in Mar'22, 50bps in May'22 and more
hikes are expected in coming months. China's tighter and
wider COVID-19 curbs halted factory production and crimped
domestic demand, adding to wider economic woes.
Higher commodity prices due to disrupted supplies and
intensified economic uncertainties have fuelled inflationary
pressures, squeezing real incomes of households.
Consequently, the International Monetary Fund has scaled
down the global growth projections for 2022 and 2023 to 3.6%.
Indian Economy:
Although, Indian economy was affected by slowing
consumption demand and concerns on widening fiscal deficit,
it continues to be one of the fastest growing economies in the
world. The second advance estimates for FY22 released by
8-9% j[kk x;k tks egkekjh ¼2019&20½ ds iwoZ vuqekfur Lrj ls 1-8% vfèkd
gSA
Hkw&jktuhfrd la?k"kksZa ds dkj.k oSfÜod vkiwfrZ J`a[kyk esa ckèkk iM+ jgh gS vkSj
oLrqvksa dh dherksa esa o`f) gks jgh gSa] Hkkjrh; vFkZO;oLFkk dk udkjkRed oSfÜod
çfrfØ;kvksa ls eqä jguk laHko ugha gSA vkjchvkbZ dks vk'kk gS fd foÙk o"kZ
2023 esa okLrfod thMhih 7-2% dh nj ls c<+sxh vkSj vuqekfur eqækLQhfr
5-7% jgsxhA vuqdwy ekulwu ds dkj.k jch ds vPNs mRiknu dh laHkkouk,a
xzkeh.k ekax ds 'kqHk ladsr nsrh gSaA rhljh ygj dh èkheh xfr vkSj Vhdkdj.k
dojst ds foLrkj ds lkFk] fudV Hkfo"; esa laidZ&xgu lsokvksa vkSj 'kgjh ekax
esa rsth vkus dh vk'kk gSA
egkekjh ds nkSjku Hkkjrh; vFkZO;oLFkk esa lexz :i ls o`f) ns[kh xbZ gS vkSj
vk'kk gS fd ;g oSfÜod vfLFkjrk dk Hkh lkeuk dj ldsxhA
cSafdax {ks= %
vkjchvkbZ us foÙk o"kZ 2022 ds nkSjku mnkj #[k cuk, j[kk] ç.kkyh esa i;kZIr
rjyrk lqfuf'pr dh vkSj vFkZO;oLFkk esa fujarj fodkl ds fy, dbZ mik;ksa dh
?kks"k.kk dhA fQj Hkh] oSfÜod la?k"kZ ds dkj.k] vçSy 22 esa eqækLQhfr 8 o"kksZa ds
mPpre Lrj ij igqap xbZ] vkjchvkbZ us ,d v‚Q&lkbfdy ,eihlh cSBd
vk;ksftr dh vkSj yxHkx 2 o"kksZa ds ckn uhfrxr njksa esa 40 chih,l dh o`f) dh
xbZA
Hkkjrh; cSafdax {ks= i;kZIr :i ls iwath—r gS vkSj yxHkx lHkh çeq[k Jsf.k;ksa ds
mèkkjdrkZvksa ls _.k dh ekax esa mRlkgtud o`f) vkbZ gSA foÙk o"kZ 2022 ds
nkSjku Hkkjr esa ,llhch us lHkh O;kolkf;d ekinaMksa esa fujarj o`f) ntZ dh gSA
foÙk o"kZ 2022 ds nkSjku vuqlwfpr okf.kfT;d cSadksa ¼,llhch½ }kjk _.k forj.k
esa èkhjs&èkhjs o`f) gqbZ gSA
cSad dk fu"iknu & foÙk o"kZ 2022
bl i`"BHkwfe esa] eSa foÙk o"kZ 22 ds nkSjku cSad ds fu"iknu dk ,d LuSi'k‚V çLrqr
djuk pkgrk gwaA
cSad usVodZ %
orZeku esa] cSad dk Hkkjr Hkj esa ,d O;kid 'kk[kk usVodZ gS] ftlesa 5732
'kk[kk,¡] 4925 ,Vh,e vkSj ch,u, ds lkFk&lkFk 9657 O;olk; çfrfufèk ¼chlh½
'kkfey gSaA bl o"kZ] cSad ds lexz fodkl gsrq xq.koÙkkiw.kZ O;olk; vtZu ds fy,
cSad laHkkfor dsaæksa dh igpku dj jgh gSA ;s dsaæ u, vkSj fodkl'khy {ks=ksa esa
fLFkr gksaxs] fo'ks"k :i ls fV;j&I vkSj fV;j&II 'kgjksa vkSj cSad jfgr xzkeh.k
dsUæksa esa tks cgqr rsth ls foLrkj dj jgs gSaA
ySaMekdZ dkjksckj vkadM+k %
foÙk o"kZ 2022 dh lHkh pkj frekfg;ksa esa cSad us lHkh çeq[k O;kolkf;d ekinaMksa
esa vPNk fu"iknu fd;kA ekpZ 22 esa cSad ds fu"iknu dh eq[; fo'ks"krk ;g jgh
fd blus `10 yk[k djksM+ ldy O;olk; çkIr dj fy;k vkSj blesa
-2-
the National Statistical Office (NSO) placed the real Gross
Domestic Product (GDP) growth at 8.9%, 1.8% above the
pre-pandemic (2019-20) level.
As the Geopolitical conflicts continues to disrupt the global
supply chain and inflate prices of goods and commodities, the
Indian economy is not expected to remain immune from the
negative global reactions. RBI expects the real GDP to grow at
7.2% and projected inflation at around 5.7% in FY23. Good
prospects of rabi output on the back of favourable monsoon
augur well for rural demand. With the ebbing of the third wave
and expanding vaccination coverage, pick-up in contact-
intensive services and urban demand is expected to be
sustained in the near future.
Indian economy overall showed resilience during pandemic
years and is also expected to weather the present global
turbulence.
Banking Sector
RBI maintained its accommodative stance throughout FY22,
ensured adequate liquidity in the system and announced
several measures for the continuous growth in the economy.
However, due to global conflict, inflation surged to near 8-year
high in Apr'22, RBI conducted an off-cycle MPC meeting and
hiked the Policy rates by 40bps after almost 2 years.
The Indian Banking sector is sufficiently capitalised and the
demand for credit from almost all the major categories of
borrowers is encouraging. The SCBs in India posted
continuous growth across all the business parameters in
FY22. Demand for credit disbursed by Scheduled Commercial
Banks (SCBs) has improved gradually through FY22.
Bank's Performance - FY22
Against this backdrop, I would like to present a snapshot of the
Bank's performance during FY22.
Bank's Footprint:
Currently, the Bank has an extensive branch network across
India, comprising 5732 branches, 4925 ATMs and BNAs as
well as over 9657 Business Correspondents (BCs). This year,
Bank is in the process of identifying potential centres to tap
quality business to support the overall growth of the Bank.
These centres would be located in the new and developing
areas across centres, especially in Tier-I and Tier-II cities and
Unbanked Rural Centres which are expanding very fast.
Landmark Business Figure:
Bank performed well in all key Business parameters in all the
four quarters of FY22. The highlight of the Bank's performance
was achieving landmark of 10 Lakh Cr in Gross Business in
o"kZ&nj&o"kZ 9% dh o`f) gqbZA bl o`f) esa tekjkf'k;ksa esa 10% dh o`f) vkSj
ldy vfxzeksa esa 6% dh o`f) 'kkfey gSA ekpZ 22 esa cSad dh tekjkf'k vkSj vfxze
Øe'k: `593618 djksM+ vkSj `415625 djksM+ FkhA
etcwr dklk %
cSad us viuh de ykxr dh tekvksa dk vkèkkj cuk, j[kk gS] ftlls ekftZu esa
lqèkkj gqvk gSA foÙk o"kZ 2022 esa cSad dk dklk vuqikr 42% ij cuk jgkA ewY;
ds lanHkZ esa] dklk tek foÙk o"kZ 2021 esa `227595 djksM+ ls 9% o"kZ&nj&o"kZ
c<+dj foÙk o"kZ 2022 esa `247926 djksM+ gks x;kA
jSe ¼fjVsy] —f"k vkSj ,e,l,ebZ½ vkSj d‚ikZsjsV vfxze %
cSad us fofHkUu {ks=ksa esa _.k fn;k gS ftlesa jSe dk fgLlk foÙkh; o"kZ'21 ds 58%
ds lkis{k 61% jgkA `395698 djksM+ ds dqy ns'kh _.k iksVZQksfy;ks esa foÙkh;
o"kZ'22 esa vkj,,e {ks= dk fgLlk `242700 djksM+ jgkA fjVsy] —f"k vkSj
,e,l,ebZ {ks=ksa esa Øe'k% 15%] 12% vkSj 6% dh o`f) gqbZ gSA fiNys nks o"kksZa ls
vkfFkZd eanh ds dkj.k foÙk o"kZ 2022 esa d‚ikZsjsV _.k esa 5% dh deh ds lkFk
`152998 djksM+ jgkA
dksfoM&19 dh nwljh vkSj rhljh ygj ds nkSjku] cSad us egkekjh ls çHkkfor
vFkZO;oLFkk dks thou çnku djus ds fy, vkikrdkyhu _.k xkjaVh ;kstuk
¼bZlh,yth,l½ lfgr vfr vko';d _.k lqfoèkk,a çnku djds xzkgdksa dk
lg;ksx djuk tkjh j[kkA
vk; vkSj ykHkçnrk %
cSad dh fuoy C;kt vk; fiNys o"kZ ds `15666 djksM+ ls c<+dj foÙk o"kZ 2022
esa `16728 djksM+ gks xbZ] ftlesa o"kZ&nj&o"kZ 7% dh o`f) gqbZ gSA QyLo:i]
ifjpkyu ykHk esa 16% dh o`f) ntZ dh xbZ] tks fiNys o"kZ ds `10967 djksM+s dh
rqyuk esa `12717 djksM+ #i;s rd igqap x;kA foÙk o"kZ 2022 esa cSad dk fuoy
ykHk 31% c<+dj `3945 djksM+ gks x;k] tks foÙk o"kZ 2021 esa `3005 djksM+ FkkA
çkFkfedrk çkIr {ks= %
31 ekpZ] 2022 dks lekIr o"kZ ds fy, çkFkfedrk çkIr {ks= dks vfxze `148806
djksM+ Fkk vkSj ;g frekgh vkSlr çfr'kr ds :i esa vkjchvkbZ }kjk fuèkkZfjr
lek;ksftr fuoy cSad _.k ds 40-00% ds vfuok;Z y{; ds lkis{k 43-83% FkkA
ekpZ*22 dh lekfIr ij —f"k _.k `68936 djksM+ Fkk vkSj ;g frekgh vkSlr
çfr'kr ds :i esa vkjchvkbZ }kjk fuèkkZfjr ,,uchlh ds 18-00% ds vfuok;Z
y{; ds lkis{k 20-10% FkkA
Lo;a lgk;rk lewg _.k %
foÙkh; o"kZ'22 ds nkSjku] cSad dk ,l,pth iksVZQksfy;ks fiNys o"kZ `7785 djksM+
ds lkis{k 22% o"kZ&nj&o"kZ c<+dj `9524 djksM+ rd igqap x;k] ftlesa
31 ekpZ'22 dks 3-30 yk[k ,l,pth 'kkfey FksA
-3-
Mar'22 and grew by 9% YoY. The growth was aided by 10%
growth in deposit and 6% in Gross advances. The deposit and
advances of the Bank stood at 593618 Cr and 415625 Cr in
Mar'22 respectively.
Strong CASA:
Bank has maintained its low cost deposit base, which aided in
improving the margins. Bank's CASA ratio was maintained at
42% in FY22. In value terms, CASA deposits increased by 9%
YoY from 227595 Cr in FY21 to 247926 Cr in FY22.
RAM (Retail, Agriculture and MSME) and Corporate
Advances:
Bank has a well-diversified credit book constituting 61% share
of RAM increasing from 58% in FY21. Out of total domestic
credit portfolio of 395698 Cr, RAM constitutes 242700 Cr in
FY22. The Retail, Agriculture and MSME sectors grew by
15%, 12% and 6% respectively. The Corporate loan book
moderated by 5% at 152998 Cr in FY22 due to economic
slowdown for last couple of years.
During the second and the third wave of covid-19, the Bank
continued to extend support to the customers by providing
much needed credit facilities including Emergency Credit Line
Guarantee Scheme (ECLGS) to bring lifeline in the pandemic
hit economy.
Earnings and Profitability:
Net Interest Income of the Bank increased to 16728 Cr in
FY22 from 15666 Cr in the previous year, registering a
growth of 7% YoY. Consequently, Operating Profit recorded a
growth of 16% to reach 12717 Cr as compared to 10967 Cr
in the previous year. Net Profit of the Bank grew substantially
by 31% to 3945 Cr in FY22 as against 3005 Cr in FY21.
Priority Sector:
Priority Sector Advances were at 148806 Cr for the year
ended March 31, 2022 and as a percentage to quarterly
average Adjusted Net Bank Credit (ANBC) stood at 43.83% as
against the RBI mandatory target of 40.00%. Agriculture
Credit stood at 68936 Cr at the end of Mar'22 and the
percentage to quarterly average ANBC was 20.10% as
against the RBI mandatory target of 18.00%.
Self Help Group (SHG) Lending:
During the FY22, SHG portfolio of the bank grew at 22% YoY to
reach 9524 Cr involving 3.30 lakh SHGs as on 31 Mar'22 as
against 7785 Cr previous year.
Bank has been awarded the Best Performing Bank – SHG
Bank Linkage for FY21 by Government of India. It has also
cSad dks Hkkjr ljdkj }kjk foÙkh; o"kZ] 21 ds fy, loZJs"B fu"iknu djus okys
cSad & ,l,pth cSad fyadst ls lEekfur fd;k x;k gSA bls foÙkh; o"kZ 2021 ds
fy, “rfeyukMq esa ,l,pth cSad fyadst çksxzke” ds rgr fu"iknu esa
mR—"Vrk ds fy, ukckMZ }kjk ih,lch oxZ esa çFke iqjLdkj ls lEekfur fd;k
x;k gSA
vkfLr xq.koÙkk %
ldy xSj&fu"ikfnr ifjlaifÙk;ka ¼th,uih,½ fiNys foÙk o"kZ esa 9-85% ds lkis{k
?kVdj foÙkh; o"kZ 22 esa `35214 djksM+ ij 8-47% gks xbZA blh vofèk ds nkSjku
fuoy ,uih, Hkh 110 chih,l dh fxjkoV ds lkFk `8849 djksM+ gks xbZZ vkSj ;g
foÙkh; o"kZ 21 esa 3-37% ds lkis{k] 31 ekpZ] 2022 dks 2-27% FkhA
etcwr iwath lajpuk %
csly III fn'kkfunZs'kksa ds vuqlkj ifjdfyr cSad dk iwath i;kZIrrk vuqikr
¼lhvkj,vkj½ ekpZ 22 dks 16-53% ds vPNs Lrj ij Fkk] ftlesa fV;j& I iwath
13-17% FkhA dqy feykdj] 31 ekpZ] 2022 rd dqy tksf[ke Hkkfjr laifÙk
`308938 djksM+ FkhA o"kZ ds nkSjku] cSad us vgZrkçkIr laLFkkxr LFkkuu
¼D;wvkbZih½ ds ekè;e ls `1650 djksM+ dh bfDoVh iwath tqVkbZA 31 ekpZ] 2021
dks ljdkj dh èkkfjrk 88-06% ls ?kVdj 31 ekpZ] 2022 dks 79-86% gks xbZ gSA
foÙkh; lekos'ku igy %
foÙkh; lekos'ku ds rgr cSad dk fu"iknu mYys[kuh; jgkA ekpZ 22 dh fLFkfr
ds vuqlkj] cSad us 185-06 yk[k ih,etsMhokbZ [kkrs [kksys ftlesa cdk;k jkf'k
`7609 djksM+ Fkh vkSj blesa fiNys o"kZ dh rqyuk esa 12-24% dh o`f) gqbZ gSA
blds vykok] cSad us 7-05 yk[k ik= [kkrkèkkjdksa dks vksojMªk¶V Loh—r fd;k gS
vkSj yxHkx 60% [kkrksa dks :is dkMZ tkjh fd, gSaA ih,etstschokbZ vkSj
ih,e,lchokbZ ds rgr nkok fuiVku vuqikr Øe'k% 94-80% vkSj 97-90% FkkA
çkS|ksfxdh dk mi;ksx %
xzkgd dh lqfoèkk ds fy, mRikn@lsok,a çnku djus esa fMftVy cSafdax dk
egRoiw.kZ LFkku gSA fMftVy {ks= esa xzkgdksa dh larqf"V c<+kus ds fy,] cSad
mRiknksa vkSj lsokvksa dks c<+kok nsus ij è;ku dsafær dj jgk gSA foÙkh; o"kZ 22 dh
pkSFkh frekgh ds nkSjku] cSad ds 77% ysunsu fMftVy@,Vh,e@ch,u, pSuyksa
ds ekè;e ls fd, x,] tks foÙkh; o"kZ 21 dh pkSFkh frekgh esa 60% FkkA ,Vh,e]
osclkbV] eksckby cSafdax] pSVc‚V] lks'ky ehfM;k tSls fofHkUu pSuyksa ds ekè;e
ls mRiUu yhM dks O;kikj esa muds çHkkoh :ikarj.k ds fy, yhM eSustesaV
flLVe ¼,y,e,l½ ls ,dh—r fd;k x;k gSA foÙkh; o"kZ ds nkSjku cSad us
fctusl yhM] fjVsy vkSj ,e,l,ebZ _.k mRiknksa dh Ø‚l lsfyax vkfn ds fy,
iw.kZ MsVk ,ukfyfVDl lekèkku ykxw fd;k gSA
-4-
been awarded First Prize among PSBs by NABARD for
Excellence in performance under “SHG Bank Linkage
Programme in Tamil Nadu” for FY21.
Asset Quality:
Gross Non-Performing Assets (GNPA) reduced to 8.47% at
35214 Cr in FY22 as against 9.85% in the previous financial
year. Net NPA also declined by 110 bps to 8849 Cr during the
same period and was at 2.27% as on March 31, 2022 as
against 3.37% in FY21.
Sound Capital Structure:
Capital Adequacy Ratio (CRAR) of the Bank computed as per
Basel III guidelines, stood at comfortable level of 16.53% as on
Mar'22 with Tier-I Capital at 13.17%. In absolute term, the total
risk weighted asset as on March 31, 2022 was at 308938 Cr.
During the year, Bank raised Equity Capital of 1650 Cr
through Qualified Institutional Placement (QIP). Government
holding has come down from 88.06% as on March 31, 2021 to
79.86% as on March 31, 2022.
Financial Inclusion Initiatives:
Bank's performance under financial inclusion was noteworthy.
As on Mar'22, the Bank opened 185.06 lakhs PMJDY
accounts and the outstanding balance stood at 7609 Cr
which is 12.24% growth over previous year. Further, the Bank
has sanctioned overdraft to 7.05 lakhs eligible account holders
and issued RuPay cards to around 60% of the accounts. The
claim settlement ratio under PMJJBY and PMSBY was
94.80% and 97.90% respectively.
Leveraging Technology
Digital Banking has become a great enabler in providing
products/services to the convenience of the customer. Bank
has embarked upon promoting products and services to
enhance customer satisfaction in the digital space. During
Q4FY22, 77% of the Bank's transactions were carried out
through Digital/ATM/BNA Channels as against 60% during
Q4FY21. Leads generated through various channels like
ATM, Website, Mobile Banking, Chatbot, Social Media are
integrated with Lead Management System (LMS) for their
effective conversion into business. During the financial year,
Bank has implemented full-fledged Data Analytics solution for
generation of business leads, cross selling of Retail & MSME
loan products etc.
ekuo lalkèku igy %
O;olk; vkSj deZpkfj;ksa dh vis{kkvksa dks iwjk djus esa ekuo lalkèku dh lfØ;
Hkwfedk laLFkk dks fof'k"V vkSj deZpkjh vuqdwy cukrh gSA lsokjr vkSj
lsokfuo`Ùk LVkQ lnL;ksa ds fy, eq¶r v‚uykbu M‚DVj ijke'kZ ds fy, cSad dk
eSllZ çSDVks ds lkFk VkbZ&vi gSA cSad us deZpkfj;ksa ds fy, baVjSfDVo MS'kcksMZ
vkSj çHkkoh O;fäxr fodkl ;kstuk ds lkFk] fu"iknu ds vkofèkd ewY;kadu ds
mís'; ls U;w ,t ijQ‚eZsal eSustesaV flLVe ¼ih,e,l½ Hkh fodflr fd;k gSA
cSad us "baM ijke'kZ" dh 'kq#vkr dh gS tks xaHkhj chekjh ls ihfM+r deZpkfj;ksa
}kjk LFkkukarj.k vuqjksèkksa dks iath—r djus ds fy, ,d fo'ks"k iksVZy gSA
ubZ igy %
24x7 fMftVy l‚Y;w'ku çnku djus ds fy,] cSad us 3 fDyd esa rRdky
laforj.k vkSj ,aM Vw ,aM fMftVyhdj.k ds lkFk iwoZ Loh—r O;fäxr _.k
mRikn y‚Up fd;k gSA
fMftVy eksM ds ekè;e ls dslhlh uohdj.k] eqæk vkSj xksYM yksu ls lacafèkr
gkehnkjh çLrkoksa dks 'kh?kz gh ykbo fd;k tk,xkA
,e,l,ebZ m|fe;ksa ds fy, ,e,l,ebZ çsj.kk uked O;kolkf;d ijke'kZ
dk;ZØe dks 10 jkT;ksa@ dsaæ 'kkflr çns'kksa esa 7 Hkk"kkvksa esa lQyrkiwoZd 'kq:
fd;k x;k gSA bl dk;ZØe ds rgr 1191 m|fe;ksa dks çf'kf{kr fd;k x;k
ftuesa ls 342 efgyk,a FkhaA
^baM fLçax cksMZ* ;kstuk ds rgr fpfUgr fd, x, LVkVZ&vi dks foÙkiks"k.k dh
lqfoèkk çnku djus ds fy, cSad us rhu vkbZvkbZVh] nks vkbZvkbZ,e ds lkFk&lkFk
vkbZvkbZ,l csaxyq#] ohvkbZVh osYyksj vkSj psUuS ,atYl ds lkFk le>kSrk Kkiu
ij gLrk{kj fd, gSaA
vkxkeh j.kuhfr %
bafM;u cSad us xzkgdksa dks tksM+us vkSj mudh vko';drkuqlkj mRikn vkSj lsok,a
çnku djus ds fy, O;kid fMftVy ifjorZu fd;k gSA ;g xq.koÙkkiw.kZ xzkgd
lsok ds fy, lcls cM+k ekè;e gksxk vkSj gekjk fe'ku gS fd viuh lsokvksa esa
lokZsÙke uokpkj vkSj çkS|ksfxdh yk,a vkSj p;fur lHkh pSuyksa ds ekè;e ls
çR;sd xzkgd dh fo'ks"k t:jrksa dks iwjk djsaA
fMftVy ifjorZu ds fgLls ds :i esa] cSad us "çkstsDV&oso" ¼oYMZ v‚Q
,M~okULM opZqvy ,Dlihfj;al½ y‚Up fd;k gS vkSj çeq[k fMftVyhdj.k igy
ds fy, ,d fo'ks"k fMftVyhdj.k d{k cuk;k gSA eSllZ cksLVu dalYVsalh xzqi
dks fMftVy ifjorZu lykgdkj ds :i esa 'kkfey fd;k x;k gSA iwoZ&Loh—r
O;fäxr _.k mRikn ¼ih,ih,y½ dh dM+h esa] Hkfo"; esa Lopkfyr _.k nsus ds
fy, dbZ fMftVy igysa 'kq: djus dh ;kstuk gSA
cSad dk lkewfgd mís'; vFkd dkjZokbZ dj xq.koÙkkiw.kZ j.kuhfrd ;kstukvksa dks
fu"ikfnr djus ds fy, çfrc) ç;klksa ds ekè;e ls O;ofLFkr :i ls cSad dk
fodkl djuk gSA
-5-
HR Initiatives:
The proactive role of HR in foreseeing the necessities of
business and employees make the institution special and an
employee friendly one. Bank has tied -up with M/s. Practo for
free online Doctor consultation for serving and retired staff
members. Bank has also developed New Age Performance
Management System (PMS) aimed at periodical assessment
of performance with interactive dashboard and robust
individual development plan for employees. Bank has also
introduced “Ind Paramarsh “- an exclusive portal for
employees suffering from critical illness to register their
transfer requests.
New Initiatives:
To provide 24x7 digital solution, Bank has launched
Pre approved Personal Loan product with an end to end
digitisation with instant disbursement in 3 Clicks.
Underwriting proposals related to KCC Renewal, Mudra &
Gold Loan through digital mode would be made live shortly.
MSME Prerana, a business mentorship programme for
MSMEs has been successfully rolled out in 10 states/ UTs in
7 languages. Under this programme 1191 entrepreneurs were
trained of which 342 were women.
To facilitate funding for identified start-ups under 'Ind Spring
Board' scheme, the Bank has signed MOUs with three IITs,
two IIMs along with IISc Bangalore, VIT Vellore and Chennai
Angels.
Way Forward:
At Indian Bank we have taken up comprehensive digital
transformation for customer engagement and personalised
offerings of our products and services. This will be the biggest
enabler for quality customer service and our mission is to bring
the best of innovation and technology in our offerings and be
responsive to the unique needs of every customer through all
channels of choice.
As a part of digital transformation, the Bank has launched
“Project-WAVE” (World of Advanced Virtual Experience) and
created an exclusive digitisation cell for undertaking key
digitisation initiatives. M/s Boston Consultancy Group has
been on boarded as digital transformation consultant. In
continuation to Pre-Approved Personal Loan product (PAPL),
several digital journeys for automated lending are planned to
be launched in future.
The collective objective of the Bank is to grow organically
through committed efforts to execute strategic plans by
achieving scale and quality, driven by relentless action.
ckj&ckj deZpkjh&xzkgd laidZ ds lkFk dq'ky vkSj mR—"V xzkgd lsok çnku
djus vkSj mUgsa vfèkd vklku lqfoèkk nsus ds fy, fMftVy cSafdax ds mi;ksx ds
ckjs esa f'kf{kr djus ij tksj fn;k tk,xkA cSad esa uoksUes"kh fcØh laL—fr dks
c<+kok nsus vkSj lHkh xzkgdksa }kjk fMftVy cSafdax viukus esa rsth ykus ds fy,
yhM dks O;olk; esa cnyus ij i;kZIr è;ku fn;k tk,xkA
vkHkkj
eSa bl volj ij cksMZ ds lHkh lnL;ksa dks o"kZ Hkj ds dk;Z ds nkSjku muds
cgqewY; leFkZu] ekxZn'kZu vkSj buiqV ds fy, èkU;okn nsuk pkgrk gwaA eSa cSad dh
fodkl xkFkk esa gekjs fu"Bkoku xzkgdksa ds fujarj leFkZu dks Hkh Lohdkj djuk
pkgrk gwaA eSa pqukSrhiw.kZ le; esa gekjs lefiZr vkSj drZO;fu"B dk;Zcy ds vFkd
ç;klksa vkSj mR—"V fu"iknu ds fy, mudh ljkguk djrk gwaA
eSa cSad ds lHkh ç;klksa esa Hkkjr ljdkj] vkjchvkbZ] gekjs lHkh ewY;oku
'ks;jèkkjdksa vkSj vU; fgrèkkjdksa dks Hkh muds fujarj foÜokl vkSj leFkZu ds
fy, èkU;okn nsuk pkgrk gwaA
ge vkxs Òh vkids leFkZu] ln~Hkkouk vkSj laj{k.k ds vkdka{kh gSaA
'kqHkdkeukvksa lfgr]
lknj]
,l ,y tSu
,eMh ,oa lhbZvks
-6-
Emphasis would be on offering efficient and excellent
customer service with frequent employee-customer connects
and educating them about the usage of digital banking for
ease and convenience. Adequate focus would be given on
conversion of leads into business, to promote innovative sales
culture in the Bank and to accelerate digital adaptation by all
the customers.
Acknowledgement
I would like to take this opportunity to thank all the members of
the Board for their valuable support, guidance and inputs
during the course of journey throughout the year. I would also
like to acknowledge the unstinted support of our loyal
customers in the growth story of the Bank. I appreciate our
dedicated and devoted work force for their untiring efforts and
outstanding performance in challenging times.
I also wish to sincerely thank the Government of India, RBI, all
our valuable shareholders and other stakeholders for their
continued confidence and support to the Bank in all its
endeavours.
We would continue to look forward for your support, goodwill
and patronage.
With best wishes,
Yours sincerely,
S L Jain
MD & CEO
 funs'kdksa dh fjiksVZ 2021&22
lsok esa 7. foÙkh; o"kZ 22 ds nkSjku vkjchvkbZ }kjk fuèkkZfjr lHkh vfuok;Z y{;ksa dks
lnL;x.k--- çkIr dj fy;k x;k gSA
vkids funs'kdksa dks cSad ds 31 ekpZ 2022 dks lekIr o"kZ ds ys[kk ijhf{kr ys[kksa 8. 31 ekpZ] 2022 dks ldy ,uih, vkSj fuoy ,uih, Øe'k% ` 35]214 djksM+
dk fooj.k vkSj udnh çokg fooj.k ds lkFk cSad dh okf"kZd fjiksVZ çLrqr djus ¼8-47%½ vkSj ` 8]849 djksM+ ¼2-27%½ Fkk] tcfd 31 ekpZ] 2021 esa ;g
esa vR;fèkd g"kZ gks jgk gSA Øe'k% `38]455 djksM+ ¼9-85%½ vkSj ` 12]271 djksM+ ¼3-37%½ FkkA
izeq[k foÙkh; foojf.k;k¡ 9. foÙk o"kZ 22 ds nkSjku ,uih, dh dqy olwyh fiNys o"kZ ds ` 4]477 djksM+
dh rqyuk esa `5]087 djksM+ ¼,;wlh [kkr¨a esa olwyh lfgr½ jghA
foÙkh; o"kZ 2021&22 ds nkSjku vkids cSad ds fu"iknu dh izeq[k
foojf.k;k¡ fuEukuqlkj gSa 10. ,;wlh [kkrksa esa foÙkh; o"kZ 21 ds nkSjku `618 djksM+ dh olwyh dh rqyuk esa
foÙkh; o"kZ 22 ds nkSjku `1]612 djksM+ dh olwyh gqbZA
,½ lalk/ku tqVkuk vkSj vfxze (` djksM+ esa)
11. foÙk o"kZ 2022 esa cSad dk çkoèkku dojst vuqikr ¼ihlhvkj½ 526 chih,l
fooj.k 31-03-21 31-03-22 o"kZ&nj&
c<+dj 87-38% gks x;k] tcfd foÙk o"kZ 2021 esa ;g 82-12% FkkA
o"kZ ¼%½
12. 31 ekpZ] 2022 rd cSad dh 5]732 ?kjsyw 'kk[kkvksa vkSj 3 fons'kh 'kk[kkvksa dk
ns'kh tek,a 529264 584661 10.47
usVodZ gS] ftlls dqy 'kk[kk usVodZ 5]735 gks x;k gSA
ftlesa ls pkyw 31861 35969 12.89
13. dqy ,Vh,e ,oa ch,u, dh la[;k 4925 jgk] ftlesa 624 v‚QlkbV
cpr 195166 211120 8.17 ,Vh,e@ ch,u, o 3 eksckby ,Vh,e 'kkfey gSaA
dklk 227027 247089 8.84 14. 31 ekpZ] 2022 rd 1969 LFkkuksa ij iklcqd fd;ksLd LFkkfir fd, x,A
dklk feJ.k (%) 42.89 42.26 -63 ch½ vk; ,oa O;; (` djksM+ esa)
chih,l
fooj.k 31-03-21 31-03-22 o"kZ&nj&
fons'kh tek,a 8807 8957 1.70
o"kZ ¼%½
oSf'od tek,a 538071 593618 10.32
vftZr C;kt 39106 38856 -0.64
ns'kh vfxze¼fuoy½ 379537 395698 4.26
O;; fd;k x;k C;kt 23440 22128 -5.60
fons'kh vfxze¼fuoy½ 10780 19927 84.85 fuoy C;kt vk;¼,uvkbZvkbZ½ 15666 16728 6.78
dqy vfxze¼fuoy½ 390317 415625 6.48 vU; vk; 5650 6915 22.39
dqy dkjksckj 928388 1009242 8.71 ftlesa ls & 'kqYd vk; 2368 2555 7.90
dqy vkfLr;ka 626005 671668 7.29 fuos'k ds foØ;
ij ykHk 2124 1626 -23.45
1. ekpZ 2022 esa oSfÜod tek jkf'k esa 10-32% dh o"kZ nj o"kZ o`f) gqbZ vkSj ;g
` 5]93]618 djksM+ gks x;k gSA Mwcar dtZ dh olwyh 618 1612 160.84

2. ?kjsyw dklk 8-84% dh o"kZ nj o"kZ o`f) ntZ djrs gq, ` 2]47]089 djksM+ ifjpkyu jktLo
gqvkA dklk iksVZQksfy;ks dks c<+kus ds fy,] cSad }kjk foÙkh; o"kZ 22 ds ¼,uvkbZvkbZ+ + vU; vk;½ 21316 23643 10.92

nkSjku 40]87]902 u, dklk [kkrs [kksys x, gSaA ifjpkyu O;; 10349 10926 5.58
3. cSad dh ?kjsyw eh;knh tekvksa esa foÙkh; o"kZ 21 ds 6-92% dh rqyuk esa ftlesa ls deZpkjh O;; 6378 6695 4.97
foÙkh; o"kZ 22 esa 11-69% dh o`f) ntZ dhA vU; ifjpkyuxr
4. cSad dk ldy vfxze 31 ekpZ] 2022 dks o"kZ nj o"kZ vkèkkj ij 6-48% O;; 3971 4231 6.55
c<+dj 4]15]625 djksM+ #i;s gks x;k] tks 31 ekpZ 2021 dks 3]90]317 ifjpkyuxr ykHk 10967 12717 15.96
djksM+ #i;s FkkA
çko/kku 7962 8772 10.17
5. 31-03-2022 dks çkFkfedrk çkIr {ks=ksa dks fn, x, vfxze dh jkf'k
ftlesa ls ,uih, ds fy, çko/kku 7318 8557 16.93
#i, 1]48]806 djksM+ FkhA foRrh; o"kZ 2022 esa lek;ksftr 'kq) cSad
¼,uihvkà lfgr½
_.k¼,,uchlh½ ds çfr'kr ds :i esa çkFkfedrk çkIr {ks= ds 40.00%
vfuok;Z y{; dh rqyuk esa 45.47% jgkA ekud vfxzeksa
ds fy, çko/kku 469 962 105.12
6. —f"k _.k ¼çkFkfedrk çkIr {ks=½ #i, 68936 djksM+ jgs vkSj =Sekfld
dj ds fy, çko/kku (99) (741) -
vkSlr lek;ksftr 'kq) cSad _.k ¼,,uchlh½ ds çfr'kr ds :i esa 18.00%
ds vfuok;Z y{; dh rqyuk esa 21% jgkA fuoy ykHk 3005 3945 31.28

-7-
31 ekpZ] 2022 rd bZ½ HkrÊ@çf'k{k.k
1. cSad dh dqy vk; esa 2% dh o`f) gqbZ vkSj ;g ` 45]771 djksM+ jgh] ftlesa ljdkjh fn'kkfunZs'kksa ds vuqlkj] lhèkh HkrÊ vkSj vkarfjd inksUufr dh çfØ;k ds
C;kt vk; `38]856 djksM+ vkSj vU; vk; ` 6]915 djksM+ FkhA nkSjku] vtk@vttk deZpkfj;ksa dks HkrÊ iwoZ vkSj inksUufr iwoZ çf'k{k.k iznku
2. cSad dk dqy O;; 2-17% de gqvk vkSj 33]054 djksM+ #i;s jgk] ftlesa fd;k x;kA
C;kt O;; 22]128 djksM+ #i;s vkSj ifjpkyu O;; 10]926 djksM+ #i;s ,Q+½ o"kZ ds nkSjku cksMZ esa ifjorZu %
FkkA
'ks;j èkkjd funs'kdksa ds vykok lHkh funs'kd Hkkjr ljdkj }kjk fu;qä @
3. cSad ds ifjpkyu ykHk vkSj fuoy ykHk esa Øe'k% 16% vkSj 31% dh o`f)
ukekafdr fd, x,A
ns[kh xbZ vkSj ;g Øe'k% `12]717 djksM+ vkSj `3]945 djksM+ jgkA ¼foÙk o"kZ
2021 ds fy, ;g Øe'k% `10]967 djksM+ vkSj `3]005 djksM+ Fkk½A 1. Jh 'kkafr yky tSu us Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok,a foHkkx]
vfèklwpuk fnukad 26-08-2021 ds rgr 01-09-2021 ls cSad ds çcaèk
lh½ ekpZ] 2022 ds fy, egRoiw.kZ vuqikr fuEukuqlkj gSa%&
funs'kd vkSj eq[; dk;Zikyd vfèkdkjh ds :i esa dk;ZHkkj xzg.k fd;kA
¼çfr'kr esa½
2. Jh vÜouh dqekj us Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok,a foHkkx]
ekinaM ekpZ & 21 ekpZ & 22
vfèklwpuk fnukad 21-10-2021 ds rgr 21-10-2021 ls cSad ds dk;Zikyd
vfxzeksa ij izfrykHk 7.45 7.21 funs'kd ds :i esa dk;ZHkkj xzg.k fd;kA
tek ykxr 4.44 3.97
3. lqJh ikfi;k lsuxqIrk dks 29-10-2021 ls rhu o"kksZa dh vofèk ds fy, cSad
vkfLr;ksa ij izfrykHk 0.50 0.63 ds 'ks;jèkkjd funs'kd ds :i esa pquk x;k FkkA
bfDoVh ij izfrykHk 10.63 12.13
4. Jh ckyeqdqan lgk; dks Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok,a foHkkx]
fuoy C;kt ekÆtu 2.81 2.93 vfèklwpuk fnukad 21-12-2021 ds rgr rhu lky dh vofèk ds fy, cSad
ykxr vk; vuqikr 48.55 46.21 ds va'kdkfyd xSj&ljdkjh funs'kd ds :i esa ukfer fd;k x;k FkkA

izfr deZpkjh vkSlr dkjksckj ¼yk[k esa½ 2077 2252 5. Jh foÜos'k dqekj xks;y dks Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok,a
izfr deZpkjh ykHk ¼` yk[k esa½ 7.22 9.91 foHkkx] vfèklwpuk fnukad 21-12-2021 ds rgr rhu lky dh vofèk ds
fy, cSad ds va'kdkfyd xSj&ljdkjh funs'kd ds :i esa ukfer fd;k
Mh½ fuoy ekfy;r ,oa lhvkj,vkj x;k FkkA
1. 31-03-2022 dks cSad dh fuoy ekfy;r #i, 33625 djksM+ jgh tcfd 31 6. Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok,a foHkkx] vfèklwpuk fnukad 08-
ekpZ] 2021 esa ;g #i, 29812 djksM+ jghA
03-2022 us M‚ vkfnR; xSgk dks Jh ,l ds ikf.kxzgh ds LFkku ij
vkjchvkbZ }kjk ukfer funs'kd ds :i esa ukfer fd;kA Jh ,l- ds-
2. csly III ekunaMksa ds vuqlkj] tksf[ke Hkkfjr laifÙk vuqikr ¼lhvkj,vkj½
iwath 11-50% dh fu;ked vko';drk ds lkis{k esa 31 ekpZ] 2022 dks ikf.kxzgh 07-03-2022 rd vkjchvkbZ }kjk ukfer funs'kd FksA
16-53% jgh] tcfd ekpZ 31]2021 esa ;g 15-71% FkhA lhbZVh&I vuqikr
8.00% dh U;wure vko';drk dh rqyuk esa 12-53% jgk tcfd 7. Jh ds jkepaæu 30-06-2021 rd cSad ds dk;Zikyd funs'kd FksA
ekpZ 31] 2021 esa ;g 11-27% FkhA 31 ekpZ 2022 dks Vh;j&I iwath
lhvkj,vkj 13.17% jgkA 8. lqJh in~etk pqUMw: dk cSad ds çcaèk funs'kd vkSj eq[; dk;Zikyd
vfèkdkjh ds :i esa rhu lky dk dk;Zdky 31-08-2021 dks lekIr gks
3. o"kZ ds nkSjku] cSad us vgZrk çkIr laLFkkxr LFkkuu ¼D;wvkbZih½ ds ekè;e x;kA
ls `1]650 djksM+ dh bfDoVh iwath tqVkbZA ljdkjh dh èkkfjrk 31 ekpZ]
2021 dks 88-06% ls ?kVdj 31 ekpZ] 2022 rd 79-86% gks xbZ gSA 9. cSad ds dk;Zikyd funs'kd ds :i esa Jh oh oh 'ks.k‚; dk dk;Zdky
mudh lsokfuo`fÙk ij 31-03-2022 dks lekIr gks x;kA
¼çfr'kr esa½
th½ funs'kdksa ds mRRjnkf;Ro ls lacaf/kr dFku
csly AAA fuEu rkjh[k dks
ekpZ 2021 ekpZ 2022 funs'kd laiq"V djrs gSa fd ekpZ 31] 2022 dks lekIr o"kZ ds fy, okf"kZd ys[kk
rS;kj djrs le; %
lhbZVh & A 11-27 12-53
1. egRoiw.kZ fopyu] ;fn gksa] ds laca/k esa mfpr Li"Vhdj.k lfgr iz;ksT;
fV;j A & iw¡th 11-93 13-17 ys[kk ekudksa dk ikyu fd;k x;k gSA
fV;j AA & iw¡th 3-78 3-36
2. Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kkuqlkj xfBr ys[kkadu uhfr;ksa dks
dqy 15-71 16-53 yxkrkj ykxw fd;k x;kA

-8-
3. foRrh; o"kZ ds var rd cSad ds dk;Zdyki o fLFkfr ij lgh ,oa foRrh; laLFkkuksa vkSj laidhZ cSadksa dks Hkh muds lg;ksx o leFkZu ds fy,
U;k;ksfpr n`f"V rFkk 31 ekpZ] 2022 rd cSad ds ykHk dk lVhd fp= nsus /kU;okn nsrk gSA cksMZ vius xzkgdksa o 'ks;j/kkjdksa ls feys vuojr leFkZu ds
ds fy, mfpr ,oa foosdiw.kZ fu.kZ; ,oa vkdyu fd, x,A izfr vkHkkj O;Dr djrk gSA

4. Hkkjr esa cSadksa dks vf/k'kkflr djusokys iz;ksT; dkuwuksa ds izko/kkuksa ds cksMZ lqJh in~etk pqUMw:] Jh ds jkepaæu] Jh ,l ds ikf.kxzgh] vkSj Jh oh oh
vuq:i i;kZIr ys[kkadu fjdkWMkZsa dks cuk, j[kus ds fy, mfpr vkSj 'ks.k‚; ftUgksaus bl o"kZ lnL;rk NksM+h] ds }kjk fn;s x;s ewY;oku ;ksxnku ds
i;kZIr lko/kkuh cjrh xbZ( vkSj fy, viuh ljkguk O;ä djrk gSA
cSad ds lexz fu"iknu ds fy, LVkQ lnL;ksa }kjk iznRr fu"Bkoku lsok,a
5. ys[kksa dks ekStwnk fLFkfr;k¡ ds laKku ds vk/kkj ij rS;kj fd;k x;k gSA
rFkk ;ksxnku ds izfr cSad viuh ljkguk O;Dr djrk gSA
,p½ vkHkkjksfDr
cksMZ] Hkkjr ljdkj] Hkkjrh; fjt+oZ cSad vkSj Hkkjrh; izfrHkwfr o fofue; cksMZ dk
muds ewY;oku ekxZn'kZu vkSj lgk;rk ds fy, vkHkkj O;Dr djrk gSA cksMZ

funs'kd eaMy ds fy, o mudh vksj ls

'kkafr yky tSu

izca/k funs'kd ,oa eq[; dk;Zikyd vfèkdkjh

-9-
 çcaèku ppkZ vkSj fo'ys"k.k
1- oSfÜod vFkZO;oLFkk
l o"kZ 2021 esa oSfÜod vFkZO;oLFkk esa 6-1% dh o`f) gqbZ gSA varjkZ"Vªh; eqæk
dks"k ¼vkbZ,e,Q½ ds vfxze vuqekuksa ds vuqlkj o"kZ 2022 esa blds 3-6%
c<+us dh laHkkouk gSA
l foÙk o"kZ 22 dh igyh rhu frekfg;ksa ds nkSjku egkekjh dh nwljh ygj ls
mRiUu pqukSfr;ksa ds ckotwn] dksfoM &19 egkekjh ds fouk'kdkjh ifj.kkeksa
ls çHkkfor oSfÜod vFkZO;oLFkk dk èkhjs&èkhjs iqu#)kj gqvkA
l ljdkj }kjk cM+s iSekus ij Vhdkdj.k vfHk;ku us egkekjh ds çHkko dk
eqdkcyk djus esa enn dhA fQj Hkh] vksfeØksu laLdj.k ds vYidkfyd
çHkko] :l vkSj ;wØsu ds chp ;q)] phu esa yxk, x, y‚dMkmu ds dkj.k
oSfÜod vkiwfrZ J`a[kykvksa dks ckfèkr djus ds dkj.k bl o"kZ ds fy, oSfÜod
vkfFkZd laHkkouk,a dkQh [kjkc gks xbZ gSaA
l yxkrkj vkSj O;kid eqækLQhfr ds dkj.k] çeq[k mUur vFkZO;oLFkkvksa ¼,bZ½
us viuh vYVªk&lek;ksT; ekSfæd uhfr;ksa dks okil ys fy;kA dbZ mHkjrh
cktkj vFkZO;oLFkk,a ¼bZ,ebZ½ lhfer eksM esa jgh gSa vkSj vkxs Hkh jgus dh
mEehn gSA vkfFkZd laHkkoukvksa ds fy, lexz tksf[ke rsth ls c<+s gSa vkSj
uhfrxr O;kikj vc vkSj vfèkd pqukSrhiw.kZ gks x, gSaA
l bl ?kVukØe dks è;ku esa j[krs gq,] vkbZ,e,Q us vçSy 22 esa tkjh vius
ÞoYMZ bdksu‚fed vkmVyqdÞ esa o"kZ 2022 vkSj 2023 nksuksa ds fy, oSfÜod
fodkl 3-6% jgus dk vuqeku yxk;k gS] tks fd tuojh'22 ds iwokZuqeku ls
Øe'k% 0-8% vkSj 0-2% de gSA
2- Hkkjrh; vFkZO;oLFkk
l Hkkjrh; vFkZO;oLFkk 2021 esa 8-9% c<+h gS vkSj vkbZ,e,Q }kjk uohure
foÜo vkfFkZd –f"Vdks.k ds vuqlkj 2022 esa 8-2% c<+us dk vuqeku gSA
l Hkkjrh; fjt+oZ cSad us fVdkÅ vkèkkj ij fodkl dks cuk, j[kus ds fy, iwjs
foÙkh; o"kZ&22 esa uhfrxr njksa ij ;FkkfLFkfr cuk, j[kh vkSj vFkZO;oLFkk
ij dksfoM&19 ds çHkko dks de djuk tkjh j[kk] tcfd ;g lqfuf'pr
fd;k fd eqækLQhfr vkxs c<+us okys y{; ds Hkhrj cuh jgsA
l Hkw&jktuhfrd ruko ds ifj.kkeLo:i oLrqvksa dh dherksa] dPps rsy dh
dherksa vkfn esa rst mNky vk;k gS] ftlds ifj.kkeLo:i Qjojh 2022 esa
miHkksäk ewY; lwpdkad ¼lhihvkbZ½ eqækLQhfr esa 6-07% dh o`f) gqbZ gS ,oa
vkjchvkbZ ds Åijh Vksysjsal cSaM dks ikj dj ;g ekpZ 2022 esa l=g eghus
dk mPpre 6-95% gSA
l xzkgd lqfoèkk ds fgr esa vkSj o"kZ ds lHkh fnuksa esa vkjVhth,l dh
miyCèkrk dk ykHk mBkus ds fy,] vkjchvkbZ us 1 vxLr'21 ls çHkkoh] iwjs
o"kZ ds lHkh fnuksa esa ,u,lh,p miyCèk djkus dk çLrko j[kkA
- 10 -
l —f"k] ,e,l,ebZ vkSj vkokl dks _.k nsus ds fy, iath—r ,uch,Qlh
¼,e,QvkbZ ds vykok½ dks cSad _.k dks çkFkfedrk çkIr {ks= _.k
¼ih,l,y½ ds :i esa oxÊ—r djus dh vuqefr nh xbZ FkhA ;g lqfoèkk 30
flracj] 21 dh iwoZ oSèkrk vofèk ls 31 ekpZ] 22 rd c<+k nh xbZ FkhA
l dPps rsy dh dherksa lfgr mPp oLrqvksa dh dhersa fodkl vkSj eqækLQhfr
dks çHkkfor dj ldrh gSa] vkjchvkbZ us lhihvkbZ eqækLQhfr dks foÙk o"kZ
2023 esa vkSlru 5-7% vkSj foÙk o"kZ 2023 esa ldy ?kjsyw mRikn dh o`f)
nj 7-2% jgus dk vuqeku yxk;k gSA
l vkjchvkbZ us fons'kh iksVZQksfy;ks fuos'kdksa ¼,QihvkbZ½ ds fy, ¼LoSfPNd
çfrèkkj.k ekxZ ¼ohvkjvkj½ ds rgr fuos'k lhek dks 1 vçSy&22 ls
`1]00]000 djksM+ ls c<+kdj `2]50]000 djksM+ dj fn;k gSA
l nqfu;k Hkj esa mHkjrh O;kid vkfFkZd fLFkfr ds vkdyu ds vkèkkj ij]
vkjchvkbZ us 04 eà 22 ls uhfrxr jsiks nj dks 40 vkèkkj vadksa ls c<+kdj
4-40% dj fn;kA
l vkjchvkbZ us fyfDoM ,MtLVesaV QSflfyVh ¼,y,,Q+½ d‚fjMksj ds fy,
LVSafMax fMi‚ftV QSflfyVh ¼,lMh,Q+½ dks ¶yksj ds :i esa is'k fd;kA
eqækLQhfr esa fujarj o`f) dks è;ku esa j[krs gq, vkjchvkbZ us cktkj ls
vfrfjä rjyrk gVkus ds fy, ,d vfrfjä midj.k ds :i esa ,lMh,Q
dks fQj ls lfØ; fd;k gSA
l fjt‚Y;w'ku ÝseodZ 2-0 ds rgr ,Dlikstj FkzslgksYM esa o`f)&vkjchvkbZ us
,e,l,ebZ ds lkFk&lkFk xSj&,e,l,ebZ NksVs O;olk;ksa vkSj O;kolkf;d
mís';ksa ds fy, O;fäxr _.k ds fy, ,Dlikstj lhek dks `25 djksM+ ls
c<+kdj `50 djksM+ djus dk fu.kZ; fy;k gSA
l rjyrk dh Øfed fudklh ds #[k ds vuq:i] vkjchvkbZ us 21 ebZ] 2022
ls 'kq: gksus okys i[kokM+s ls çHkkoh udn vkjf{kr vuqikr ¼lhvkjvkj½ dks
fuoy ekax vkSj lle; nsunkfj;ksa ¼,uMhVh,y½ ds 50 vkèkkj vadksa ls
c<+kdj 4-5% djus dk Hkh fu.kZ; fy;kA
l ljdkjksa }kjk tkjh fd, x, bZ&vkj;wihvkbZ okmpj ds fy, jkf'k dh lhek
dks c<+kdj `1]00]000@& çfr okmpj djus vkSj bZ&:ih okmpj dks dbZ
ckj mi;ksx djus dh vuqefr nsus dk Hkh çLrko gS ¼tc rd okmpj dh
jkf'k iwjh rjg ls HkqukbZ ugha tkrh½A
l vkjchvkbZ us ekpZ&23 rd Loh—r lHkh u, vkokl _.kksa ds fy, iwokZsä
ifji= esa fuèkkZfjr tksf[ke tkjh j[kus dk fu.kZ; fy;k gSA
l Hkkjrh; fjtoZ cSad us ,pVh,e Js.kh esa ,l,yvkj ik= çfrHkwfr;ksa dks
'kkfey djus dh lhek dks ,uMhVh,y ds 23% rd c<+kus dk fu.kZ; fy;k
gS vkSj cSadksa dks 1 vçSy] 2022 vkSj 31 ekpZ] 2023 ds chp 23% vfèkxzghr
çfrHkwfr;ksa dks c<+h gqbZ lhek ds rgr 'kkfey djus dh vuqefr nh gSA
l Hkkjrh; fjtoZ cSad us vFkZO;oLFkk ds mRiknd {ks=ksa dks _.k dk i;kZIr
çokg lqfuf'pr djds uohu fodkl dks iksf"kr djus vkSj lgk;rk nsus ds
mís'; ls ç.kkyh esa i;kZIr vfèk'ks"k rjyrk cuk, j[khA
l vkjchvkbZ us ohvkjvkjvkj uhykfe;ksa ds ekè;e ls Øfed] va'kkafdr vkSj
xSj&fo?kVudkjh rjhds ls fuf"Ø; fu;r nj vksojukbV fjolZ jsiks foaMks ls
pyfufèk dks yach vofèk dh vksj iqulZarqfyr djuk tkjh j[kkA
l vkjchvkbZ [kqnjk çR;{k ;kstuk vkSj ,dh—r yksdiky ;kstuk 'kq: dh gSa
ftudk mís'; foÙkh; lekos'ku dks vkSj csgrj djuk vkSj tu dsafær igy
djuk gSA
l dsaæh; cSad us fuos'kdksa dks vuqefr fn;k gS fd os çkFkfed uhykeh esa cksyh
yxkus ds lkFk&lkFk ljdkjh çfrHkwfr;ksa ds fy, dsaæh; cSad ds VªsfMax
IysVQ‚eZ rd igqap gksxh] ftls usxksf'k,VsM Mhfyax flLVe&v‚MZj eSfpax
lsxesaV ;k ,uMh,l&vks,e dgk tkrk gSA
l vkjchvkbZ us foÙkh; iSB dks csgrj djus ds fy, Qhpj Qksu mi;ksxdrkZvksa
ds fy, Hkh ,d ;wihvkbZ&vkèkkfjr Hkqxrku mRikn y‚Up djus dk çLrko
fn;k gSA
dsaæh; ctV foÙkh; o"kZ & 23
l foÙkh; o"kZ 22 ds fy, Hkkjr ljdkj ds la'kksfèkr vuqeku ¼vkjbZ½ ds vuqlkj
jktdks"kh; ?kkVk `1-51 yk[k djksM+ ¼thMhih dk 6-8%½ ds ctV y{; dh
rqyuk esa `1-59 yk[k djksM+ ¼thMhih dk 6-9%½ gS] tks igys ls dqN vfèkd
gSA
l foÙkh; o"kZ&23 esa dsaæ ljdkj dk cdk;k dtZ 12% c<+dj `152 yk[k
djksM+ gksus dk vuqeku gSA ;g ldy ?kjsyw mRikn dk yxHkx 59%] foÙk
o"kZ 2021 dh rqyuk esa 2-1% de vkSj foÙk o"kZ 2022 dh rqyuk esa 0-5%
vfèkd gksxkA
l vkikrdkyhu ØsfMV ykbu xkjaVh ;kstuk ¼bZlh,yth,l½ dks ekpZ&23
rd c<+k;k x;k gS vkSj xkjaVh doj dks `50]000 djksM+ c<+kdj dqy doj
`5 yk[k djksM+ fd;k x;k gS] ftlesa vfrfjä jkf'k fo'ks"k :i ls vkfrF;
vkSj lacafèkr m|eksa ds fy, fuèkkZfjr dh xbZ FkhA
l 5 o"kksZa esa `6]000 djksM+ ds ifjO;; ds lkFk ,e,l,ebZ fu"iknu
¼vkj,,eih½ dk;ZØe dks c<+kus vkSj rst djus dh ?kks"k.kk dh xbZ Fkh]
ftldk mís'; ,e,l,ebZ dh mRikndrk vkSj çfrLièkkZRedrk dks c<+kus
ds mís'; ls ,e,l,ebZ {ks= dks iqutÊfor djuk FkkA
l iwathxr ifjO;; dks 35-4% c<+kdj `7-50 yk[k djksM+ djus dh ?kks"k.kk dh
xbZ] ftlls iwathxr midj.k vkSj fuekZ.k e'khujh dh ekax c<+ ldrh gSA
mPp n{krk okys e‚Mîwy ds fuekZ.k ds fy, ih,yvkbZ ds fy, `19]500
- 11 -
djksM+ dk vfrfjä vkcaVu] iwjh rjg ls ,dh—r fofuekZ.k bdkb;ksa dks
çkFkfedrk ds lkFk] lkSj e‚Mîwy ds ?kjsyw fuekZ.k dks c<+kok nsuk vkSj
vk;kr ij fuHkZjrk de djuk gSA
l foÙkh; o"kZ&23 esa lsaVªy cSad fMftVy djsalh ¼lhchMhlh½ y‚Up djus dh
?kks"k.kk dh gSA
l fMftVyhdj.k igy dks c<+kok nsus ds fy, ,llhch 75 ftyksa esa 75
fMftVy cSafdax bdkb;ka LFkkfir djsaxsA
3- cSafdax {ks= %
l cSad tekvksa esa vfèkdre o`f) cuke _.k o`f) ds dkj.k tekjkf'k;ksa esa
c<+ksÙkjh ls cSafdax ç.kkyh twu 19 ls pyfufèk vfèk'ks"k cuk, gq, gSA ekpZ]
2022 dks lekIr i[kokM+s esa tek jkf'k 170-16 yk[k djksM+ #i;s jgh]
ftlesa okf"kZd vkèkkj ij 10-21% dh fLFkj o`f) ntZ dh xbZA
l lHkh çeq[k vkfFkZd {ks=ksa }kjk lapkfyr dksfoM&19 dh eanh ds ckn foÙkh;
o"kZ 22 ds nkSjku _.k esa rsth vkbZA vuqlwfpr okf.kfT;d cSadksa ¼,llhch½
ds fy, _.k o`f) ekpZ 22 esa okf"kZd vkèkkj ij 10-82% c<+h] tks ,d lky
igys 5-61% FkhA
4- foLr`r dkjksckj voyksdu
l dqy dkjksckj esa okf"kZd vkèkkj ij 9% dh o`f) ntZ dh xbZ] tks ekpZ]22 esa
1009242 djksM+ ds Lrj ij igqap xbZ] tcfd ekpZ] 21 esa ;g 928388
djksM+ FkhA ?kjsyw dkjksckj us 8% dh o`f) ntZ dh vkSj ekpZ 2021 esa
908801 djksM+ dh rqyuk esa 980358 djksM+ rd igqap x;kA
l ekpZ 22 esa dqy tek 10% okf"kZd c<+dj 593618 djksM+ gks x;k] tcfd
fiNys o"kZ ;g 538071 djksM+ FkkA
l dklk ¼pkyw [kkrk o cpr [kkrk½ tekjkf'k;ka ekpZ 2021 esa 227595
djksM+ dh rqyuk esa 247926 djksM+ rd igqap xbZa vkSj blesa 9% dh o`f)
ntZ dh xbZA
l ekpZ 22 esa vfxze 6% c<+dj 415625 djksM+ gks x;k] tks ,d lky igys
390317 djksM+ FkkA ?kjsyw _.k 395698 djksM+ rd igqap x;k ¼31 ekpZ]
2021 dks 379537 djksM+ Fkk½A
l oSfÜod _.k&tek vuqikr 70-02% jgkA
¼,½ tek,a ¼ch½ [kqnjk _.k

foÙkh; o"kZ 22 esa ?kjsyw tekvksa ds rgr fu"iknu% l a dk [kqnjk _.k 15% okf"kZd dh nj ls 69987 djksM+ ls
31 ekpZ] 2022 dks cSd
c<+dj 80433 djksM+ gks x;k] ftldk fooj.k uhps fn;k x;k gS %
( djksM+ esa)
¼#i;s djksM+ esa½
tek,a ekpZ* 21 ekpZ*22 o"kZ nj o"kZ ¼%½
ekinaM ekpZ &21 ekpZ &22 o`f)
pkyw [kkrk 31861 35969 12-89
o"kZ nj o"kZ

cpr cSad 195166 211120 8-17

caèkd _.k lfgr vkokl _.k 47682 53852 13%

dklk 227027 247089 8-84

okgu _.k 3649 4198 15%

dklk % dqy tekjkf'k dk 42-89 42-26 -63 chih,l

osru _.k 2944 4422 50%

eh;knh tek 302237 337571 11-69

isa'ku _.k 801 884 10%

?kjsyw tek,a 529264 584661 10-47

f'k{kk _.k 4684 4626 &1%

lewg lfgr xSj çkFkfedrk

vkHkw"k.k _.k 3832 4787 25%
l cpr cSad tekjkf'k;ka c<+r ntZ djrs gq, ekpZ 2021 esa 195166 djksM+
dh rqyuk esa 8% dh okf"kZd o`f) ds lkFk ekpZ 2022 esa 211120 djksM+ tek ds lkis{k _.k
rd igqap xbZaA ¼,y,Mh½ @ vU; 6395 7665 20%

l ekpZ] 2021 esa 31861 djksM+ dh rqyuk esa ekpZ] 2022 esa pkyw tek,a 12-
89% ¼o"kZ&nj&o"kZ½ dh c<+ksÙkjh ds lkFk 35969 djksM+ gqbZ gSA
l lkofèk tek ekpZ] 2021 esa 302237 djksM+ dh rqyuk esa ekpZ*2022 dks 11-
69% ¼o"kZ&nj&o"kZ½ dh o`f) ds lkFk 337571 djksM+ gks x;kA
l foÙkh; o"kZ 2022 ds nkSjku] cSad us 39-95 yk[k u, cpr cSad [kkrs vkSj 0-93
yk[k u, pkyw [kkrs [kksys gSaA
l ekpZ 2021 esa fons'kh tek 2% ¼ o"kZ nj o"kZ ½ c<+dj 8957 djksM+ gks x;k]
tcfd ekpZ 2021 esa ;g 8807 djksM+ FkkA
l ,Qlh,uvkj@,uvkjbZ tekjkf'k;ka % vfuoklh Hkkjrh; ¼,uvkjvkbZ½
tekjkf'k;ka 31-03-2021 dh fLFkfr ds vuqlkj 12086 djksM+ ds eqdkcys
31-03-2022 dks 12270 djksM+ ds Lrj ij igqap xbZaA
l cSad us fnukad 08 ekpZ 22 d¨ varjkZ"Vªh; efgyk fnol ij efgykvksa ds
fy, "baM efgyk 'kfä&555 fnu" uked fo'ks"k ;kstuk 5-15% dh fo'ks"k
C;kt nj ds lkFk 'kq:vkr dhA
dqy [kqnjk _.k 69987 80433 15%
l foÙkh; o"kZ 21&22 ds nkSjku 467974 [kkrksa esa dqy 31062 djksM+ Loh—r
fd, x, gSaA
l fnukad 31-03-2022 dks Mh,l, dh la[;k c<+dj 8137 g¨ xà gSA
l o"kZ d¢ n©jku fofé mRikn vFkkZr~ baM dop ¼dksfoM &19 lacafèkr [kpksZa
dks iwjk djus ds fy, O;fäxr _.k ;kstuk½] x`g _.k Áhfe;e] iqjkuh
dkjsa vkSj nksifg;k okgu d¨ ykap fd;k x;kA
l cSad ds 79 [kqnjk ifjlaifÙk çlaLdj.k dsaæ ¼vkj,ihlh½ gSa tks fo'ks"k :i
ls [kqnjk _.kksa dks lalkfèkr djrs gSaA
lg _.k ç.kkyh ¼lh,y,e½
l cSad us bafM;k cqy ,p,Q,y] bafM;k cqYl lhlh,y] vkbZvkbZ,Q,y
gkmflax Qkbusal fyfeVsM] vokal Qkbusaf'k;y lfoZlst] ,Myokbl
,p,Q,y] bZlh,y Qkbusal fyfeVsM] vkbZvkbZ,Q,y Qkbusal] ,lds
fQu&d‚iZ fyfeVsM ds lkFk le>kSrk Kkiu esa ços'k fd;k gSA ra= ds
rgr dqy 500 djksM+ dh jkf'k Loh—r dh xbZ gSA

- 12 -
¼lh½ —f"k lek;ksftr 'kq) cSad _.k ¼,,uchlh½ dk 12-82% FkkA

l cSad dk —f"k _.k 31 ekpZ] 2022 dks 12% lkykuk dh nj ls #i, 78775 l ,e,lbZ&lw{e m|eksa dks _.k 31-03-2022 dks 30599 djksM+ Fkk vkSj o"kZ
djksM+ ls c<d+j #i, 88100 djksM+ gks x;k] ftldk fooj.k uhps fn;k 2021-22 ds fy, frekgh vkSlr vkèkkj ij 7-50% ds vfuok;Z y{; ds
x;k gS% eqdkcys lek;ksftr usV cSad ØsfMV ¼,,uchlh½ dk 8-87% FkkA

—f"k 31-03-2021 31-03-2022 o"kZ nj o"kZ (%) l xSj&d‚ikZsjsV fdlkuksa dks _.k 31-03-2022 dks 66776 djksM+ Fkk vkSj o"kZ
2021-22 ds fy, frekgh vkSlr vkèkkj ij lek;ksftr 'kq) cSad _.k
Qly _.k 64898 69051 6% ¼,,uchlh½ dk 19-08% Fkk] tcfd vfuok;Z y{; 12-73% FkkA

fuos'k _.k 6327 9241 46% Lo;a lgk;rk lewgksa ds fy, _.k çokg%

—f"k vuq"kaxh 1702 3192 88% Lo;a lgk;rk lewg ¼,l,pth½ xzkeh.k {ks=ksa esa cnyko dk okgd cu x, gSa]
lhekar leqnk; ds thou dks cny jgs gSa vkSj eq[; :i ls xzkeh.k vkSj vèkZ 'kgjh
cqfu;knh <kapk vkSj lgk;d 5848 6616 13% {ks=ksa esa efgykvksa ds fy, vkthfodk ds voljksa ds f{kfrt dk foLrkj dj jgs gSaA
rsth ls] vfèkd lekos'kh vkSj lrr fodkl ds fu;ksftr y{; dks çkIr djus esa
dqy —f"k 78775 88100 12% bu lewgksa dk leFkZu djus dh –f"V ls] cSad us ,l,pth cSad fyadst dks lfØ;
:i ls c<+kok fn;k gSA
cSad us foŸkh; o"kZ 2022 esa 34830 dj¨M+ dh ih,l,ylh cspdj rFkk 571
ekpZ 2022 rd 3-30 yk[k ,l,pth dks doj djrs gq, ,l,pth dks cdk;k
dj¨M+ dh vk; vÆtr dh
_.k 9524 djksM+ FkkA pkyw foÙk o"kZ ds nkSjku] cSad us 7035 djksM+ ls 1-87
—f"k laforj.k % yk[k ,l,pth dks forfjr fd;k FkkA

l —f"k ds fy, xzkmaM ysoy ØsfMV ¶yks ¼th,ylh½ ds rgr] cSad us foÙkh;
o"kZ 2021-22 ds nkSjku 45000 djksM+ ds okf"kZd y{; ds eqdkcys 58120
djksM+ ds —f"k _.k forfjr fd,A
l foÙk o"kZ 2021-22 ds nkSjku] cSad us 28-39 yk[k NksVs@lhekar fdlkuksa dks
36309 djksM+ dh jkf'k forfjr dhA
foÙkh; o"kZ 2022 esa çkFkfedrk çkIr {ks= ds vfxzeksa ds rgr Hkkjrh;
fjtoZ cSad vfuok;Z y{; ds rgr fu"iknu
l çkFkfedrk çkIr {ks= vfxze 31-03-2022 dks 148806 djksM+ FkkA 2021-22
ds fy, frekgh vkSlr lek;ksftr usV cSad ØsfMV ¼,,uchlh½ ds çfr'kr
ds :i esa çkFkfedrk {ks= 40-00% ds vfuok;Z y{; ds eqdkcys 43-83%
FkkA
l çkFkfedrk çkIr {ks= ds rgr —f"k _.k 31-03-2022 dks 68936 djksM+ Fkk
vkSj 2021-22 ds fy, frekgh vkSlr ,,uchlh dk çfr'kr 18-00% ds
vfuok;Z y{; ds eqdkcys 20-10% FkkA
l ,l,Q@,e,Q dks _.k 31-03-2022 dks 34255 djksM+ Fkk vkSj ;g o"kZ
2021-22 ds fy, frekgh vkSlr vkèkkj ij 9-00% ds vfuok;Z y{; ds
eqdkcys lek;ksftr usV cSad ØsfMV ¼,,uchlh½ dk 9-94% FkkA
l detksj oxksZa dks _.k 31-03-2022 dks 41458 djksM+ Fkk vkSj o"kZ 2021-22
ds fy, frekgh vkSlr vkèkkj ij 11% ds vfuok;Z y{; ds eqdkcys
cSad us foÙkh; o"kZ 2021&22 ds fy, laforj.k ¼7035 djksM+½ vkSj cdk;k
¼9524 djksM+½ nksuksa ds rgr jk"Vªh; xzkeh.k vkthfodk fe'ku }kjk fuèkkZfjr
y{; dks ikj dj fy;k gS] tcfd y{; Øe'k% 6748 djksM+ vkSj 8588 djksM+
FkkA
ekbØkslsV 'kk[kk,a % 'kgjh LFkkuksa esa ,l,pth ds fy, fo'ks"k è;ku fn;k tk
jgk gS] ftlesa 44 fo'ks"k ,l,pth Qkbusaflax 'kk[kk,a 'ou LV‚i 'k‚i' ds :i esa
dk;Zjr gSa & ØsfMV ds lkFk&lkFk ØsfMV Iyl lsok,a tSls çf'k{k.k] [kkrksa @
iqLrdksa dk j[kj[kko vkfnA foÙkh; o"kZ 2021-22 ds nkSjku] flracj dks
ekbØkslsV 'kk[kkvksa ds ekè;e ls 1416 djksM+ dh jkf'k dks 26652 ,l,pth
rd c<+k fn;k x;k gSA bu ekbØkslsV 'kk[kkvksa dh dqy cdk;k jkf'k ekpZ 2022
rd 43422 ,l,pth dks doj djrs gq, 1738 djksM+ FkhA
la;qä ns;rk lewg% cSad la;qä ns;rk lewgksa ds ekè;e ls foÙk iks"k.k dks
çksRlkfgr dj jgk gS] rkfd mu Js.kh ds fdlkuksa dks _.k lgk;rk çnku dh tk
lds ftuds ikl mfpr Hkwfe fjd‚MZ ugha gS @ ftuds ikl viuh Hkwfe ugha gSA
31-03-2022 rd ts,yth dks cdk;k _.k 287 djksM+ Fkk ftlesa 15210
ts,yth 'kkfey FksA
detksj oxksZa dks vfxze %
cSad yxkrkj detksj oxksZa ds fy, fuèkkZfjr vfuok;Z vfxze y{; dks ikj dj jgk
gS ftlesa NksVs vkSj lhekar fdlku] dkjhxj] xzke vkSj dqVhj m|ksx] vuqlwfpr
tkfr vkSj vuqlwfpr tutkfr] Lo;a lgk;rk lewg vkfn 'kkfey gSaA
l detksj oxksZa ds fy, cdk;k _.k ekpZ 2022 ds var rd 41458 djksM+

- 13 -
 Fkk] tks 11% ds fuèkkZfjr ekunaM ds eqdkcys frekgh vkSlr ,,uchlh dk
12-82% gSA
l vuqlwfpr tkfr@vuqlwfpr tutkfr ds ykHkkfFkZ;ksa dks cdk;k _.k
31-03-2022 dks 5634 djksM+ FkkA
vuqlwfpr tkfr@vuqlwfpr tutkfr vkSj vYila[;d _.k vfHk;kuksa
dk ikyu
l vYila[;dksa vkSj vtk@vttk dks _.k nsus ds fy, fo'ks"k vfHk;ku
pyk, x,A ekpZ 2022 rd vYila[;dksa dks vfxzeksa dh cdk;k fLFkfr
22650 djksM+ Fkh tks ekpZ 2022 rd cSad dh dqy çkFkfedrk çkIr {ks=
vfxzeksa dh fLFkfr dk 15-22% gSA
¼Mh½ lw{e] y?kq vkSj eè;e m|e ¼,e,l,ebZ½
l 31 ekpZ] 2022 dks cSad dk ,e,l,ebZ ØsfMV 6% lkykuk dh nj ls 70180
djksM+ ls c<+dj 74167 djksM+ gks x;kA
l cSad us lw{e m|eksa dks _.k nsus ds mi y{; dks 10 çfr'kr ds y{; ds
eqdkcys 11-22% ikj dj fy;k gSA
l cSad TReDS ds lHkh rhu IysVQkeksZa vkj,DlvkbZ,y] buo‚;lekVZ vkSj
,e1,Dlpsat esa lfØ; :i ls Hkkx ys jgk gSA foÙkh; o"kZ 2022 ds nkSjku]
1904 djksM+ ds 18]886 fcyksa esa NwV nh xbZA
l cSad ds 79 ,e,l,ebZ çlaLdj.k dsaæ gSa ftUgksaus VuZ vjkmaM Vkbe ¼Vh,Vh½
esa lqèkkj djus vkSj xq.koÙkkiw.kZ _.k lqfuf'pr djus esa enn dh gSA
vkikrdkyhu ØsfMV ykbu xkjaVh ;kstuk ¼bZlh,yth,l½
l bZlh,yth,l ds rgr] cSad us 10596 djksM+ dh jkf'k ds 2]73]756
mèkkjdrkZvksa dks lgk;rk çnku dh gSA cSad us bZlh,yth,l 4-0 ds rgr
vkbZ,uMh lathouh] vkbZ,uMh vkjksX;e] dksfoM çHkkfor {ks= ds fy, _.k
xkjaVh ;kstuk ¼,yth,llh,,l½ vkSj dksfoM çHkkfor i;ZVu lsok {ks=
¼,yth,llh,Vh,l,l½ ds fy, _.k xkjaVh ;kstuk 'kq: dh gSA
ladYi <kapk
,e,l,ebZ mèkkjdrkZvksa }kjk _.k C;kt@fdLr dh vnk;xh esa vkus okys
ruko dks de djus ds fy,] vkjih 1-0 vkSj vkjih 2-0 ds rgr 8897 djksM+
dh jkf'k dh 77014 ,e,l,ebZ bdkb;ksa dks iquxZBu dh vuqefr nh xbZ gSA
ih,e Lo&fufèk ;kstuk & LVªhV osaMlZ dks _.k
ih,e Lo&fufèk ;kstuk ds rgr cSad us 212050 vkosnuksa ij 218 djksM+ dh
- 14 -
jkf'k Loh—r dh gSA
,e,l,ebZ DyLVj%
cSad us vkd"kZd 'krksZa ds rgr foÙk iks"k.k ds fy, 59 ,e,l,ebZ lewgksa dks eatwjh
nh gSA fnukad 31-03-2022 dh fLFkfr ds vuqlkj] bu DyLVjksa ds rgr 4871
djksM+ dk foÙk iks"k.k fd;k x;k gSA cSad vfèkd lewgksa dh igpku djus dh
çfØ;k esa gSA
eqæk ;kstuk
cSad us foÙk o"kZ 22 esa 4575 djksM+ dh eatwjh nsdj eqæk _.k ds 4550 djksM+
ds y{; dks ikj dj fy;k gSA
cSad ds rhuksa vkjvkjch us cSad vkSj vkjvkjch ds 6800 djksM+ dk lap;h y{;
ds lkis{k lap;h :i ls 2274 djksM+ Loh—r fd,A cSad vkSj vkjvkjch us
lkewfgd :i ls 6849 djksM+ _.k Loh—r fd, gSa A
,e,l,ebZ çsj.kk
cSad] efgykvksa@,llh@,lVh ij è;ku dsfUær djrs gq, ,e,l,ebZ m|fe;ksa
dks foÙkh; lk{kjrk dk;ZØe çnku dj jgk gSA o"kZ ds nkSjku] 1191 m|fe;ksa dks
çf'kf{kr fd;k x;k ftlesa 342 efgyk m|eh 'kkfey gSaA
¼bZ½ d‚ikZsjsV _.k vkSj feM d‚ikZsjsV _.k
cSad dk d‚ikZsjsV _.k ekpZ] 2022 esa -152998 djksM+ Fkk] tks cSad ds lexz _.k
dk 39% FkkA foÙkh; o"kZ 2022 ds nkSjku cSad us dbZ u, xzkgdksa dks tksM+kA
9 ,ylhch d‚ikZsjsV xzkgdksa dh t:jrksa dks iwjk djus ds fy, dk;Z dj jgs gSa vkSj
lhèks d‚ikZsjsV dk;kZy; dks fjiksVZ dj jgs gSaA
 25 djksM+ ls vfèkd o  150 djksM+ ls de ds O;fäxr ,Dlikstj okys
mèkkjdrkZvksa ds lkFk laO;ogkj ds fy, foÙkh; o"kZ 2021 ds nkSjku feM d‚ikZsjsV
ØsfMV ofVZdy dk xBu fd;k x;k FkkA ofVZdy dh 'kq#vkr 17 igpkuh xbZ
'kk[kkvksa ds lkFk gqbZ] ftUgsa feM d‚ikZsjsV 'kk[kk,a ¼,elhch½ uke fn;k x;k gS] tks
mPp O;kolkf;d {kerk okys dsaæksa ij fLFkr gSaA
¼,Q+½ fons'kh _.k
l cSad dh 3 fons'kh 'kk[kk,a flaxkiqj] dksyacks vkSj tkQuk esa gSa ,oa ,d
vkbZ,Q+,llh cSafdax ;wfuV ¼vkbZch;w½] xkaèkh uxj] xqtjkr esa gSA 31 ekpZ
2022 dks fons'kh 'kk[kkvksa ¼vkbZch;w lfgr½ dk dqy cdk;k vfxze ¼ldy½]
85% dh o"kZ nj o"kZ dh o`f) ds lkFk 19927 djksM+ Fkk] tcfd foxr o"kZ
;g 10780 djksM+ FkkA
¼th½ fons'kh eqæk dkjksckj lkekftd lqj{kk ;kstuk,a

l foÙkh; o"kZ 22 ds nkSjku cSad ds fons'kh eqæk dkjksckj esa VuZvksoj 60]667 ukekadu la[;k yk[k esa ekpZ 21 ekpZ 22 o"kZ &nj&o"kZ o`f)
djksM+ jgk] tcfd foÙk o"kZ 21 esa ;g 40]980 djksM+ FkkA
,ihokbZ 19-31 24-96 29-26%
l foÙkh; o"kZ 22 ds nkSjku] varjcSad fons'kh eqæk cktkj dk dqy VuZvksoj
ih,etstschokbZ 26-59 30-24 13-73%
26]02]961 djksM+ gqvk tcfd foÙk o"kZ 21 esa ;g 18]23]026 djksM+ FkkA
ih,e,lchokbZ 72-97 80-14 9-83%
l xzkgdksa dh ,Q,Dl t:jrksa dks iwjk djus ds fy, cSad us ns'k ds lHkh
çeq[k LFkkuksa@dkjksckj dsaæksa dks doj djus okyh 208 'kk[kkvksa dh igpku
l ih,etstschokbZ ds varxZr 16672 nkoksa vkSj ih,e,lchokbZ ds varxZr
dh gSA ;s 'kk[kk,a psUuS vkSj eqacbZ fLFkr nks ,Q,Dllhihlh esa ls fdlh ,d
3947 nkoksa dk fuiVku fd;k x;kA ih,etstschokbZ rFkk ih,e,lchokbZ
,Q,Dllhihlh ds lkFk lhèks tksM+h xbZ gSaA ,Q,Dllhihlh lHkh çdkj ds
dk fuiVku vuqikr Øe'k% 94-80% vkSj 97-90% gSA
fons'kh eqæk ysunsu dks lalkfèkr djus ds fy, cSad dk dsaæh—r çlaLdj.k
dsaæ gSA cSad dh nqfu;k Hkj esa çfrfufèk O;oLFkk gSA cSad dh ;g O;oLFkk
(vkÃ) cSad,';ksjsal vkSj E;wP;qvy QaM
foÜo Hkj esa miyCèk gSA
cSad us foRr o"kZ 2022 esa cSad,';ksjsal O;olk; ds ek/;e ls 85 djksM+ #i;s dh
foçs"k.k
vk; vftZr dh ] tcfd foRr o"kZ 2021 esa 64 djksM+ #i;s dh vk; gqbZ Fkh A

l flaxkiqj dh m|e foçs"k.k ;kstuk Hkkjr esa xzkgd ds [kkrs esa fons'kh foçs"k.k
d‚ikZsjsV ,tsUlh O;oLFkk ds varxZr cSad us 7 chek lk>snkjksa ds lkFk lk>snkjh
ds leku :i dks rRdky tek djrh gSA ;g lqfoèkk lIrkg ds lHkh fnuksa
le>kSrk fd;k gS] ftuesa ls 3 thou ds varxZr] 3 xSj thou ds varxZr ,oa
ij miyCèk gSA
1LokLF; ds varxZr dk fooj.k fuEukuqlkj gS%&

l cSad çnÙk vU; vkod foçs"k.k lqfoèkkvksa esa] foÜo dh lkekU; fLo¶V
ofVZdy lk>snkj
vkèkkfjr euh VªkalQj ds vykok] vkjchvkbZ dh ,eVh,l,l ;kstuk ds
rgr osLVuZ ;wfu;u euh VªkalQj vkSj fj;k euh VªkalQj 'kkfey gSA thou chek Hkkjrh; thou chek fuxe
,lchvkbZ thou chek daiuh fyfeVsM
l ,Dlpsat gkml tSls ;w,bZ ,Dlpsat lsaVj MCyw,y,y&dqoSr] vy t+eku
vkfnR; fcjyk lu ykbZQ ba';ksjsal daiuh
,Dlpsat MCY;w,y,y&drj] thlhlh ,Dlpsat&nqcbZ] vy Mkj Q‚j
fyfeVsM
,Dlpsat&drj ds ekè;e ls bysDVªksfud Q+aM VªkUlQj fd;k tk jgk gS
vkSj esllZ vy jkth cSad] lÅnh vjc ds lkFk ;g vkjchvkbZ dh #ih xSj – thou chek ;wukbVsM bafM;k ba';ksjsal daiuh fyfeVsM
Mªkbax vjsatesaV ;kstuk ds rgr fd;k tk jgk gSA ¼;wvkbZvkbZlh½

(,Pk) foÙkh; lekos'ku pksykeaMye ,e,l tujy ba';ksjsal daiuh

fyfeVsM*
çèkkuea=h tu&èku ;kstuk ¼ih,etsMhokbZ½%
;wfuolZy lksEiks tujy ba';ksjsal daiuh
fnukad 31 ekpZ 2022 rd cSad us 185 yk[k ih,etsMhokbZ [kkrs [kksys gSaA
fyfeVsM*

31 ekpZ] 2022 dks ih,etsMhokbZ [kkrksa esa 'ks"k jkf'k 12% dh o`f) ds lkFk
LokLF; chek* fuok cwik gsYFk ba';ksjsal daiuh fyfeVsM
7609 djksM+ Fkh] tks foxr o"kZ 6779 djksM+ FkhA
*cSadfuEufyf[kr Hkkxhnkjksa ds ek/;e ls _.k thou chek ,oa _.k
ih,etsMhokbZ ds rgr 109-76 yk[k ¼60%½ [kkrkèkkjdksa dks #is dkMZ tkjh fd, doj Hkh iznku dj jgk gS %
x, gSaA cSad us 7-05 yk[k ik= ih,etsMhokbZ [kkrkèkkjdksa dks vksojMªk¶V
Loh—r fd;k gSA

- 15 -
 lk>snkj iksVZQksfy;ksa gsrq 6- ifjorZu

dksVd efgUæk ykbQ x`g _.k ,oa f'k{kk _.k fMftVyhdj.k igy

VkVk ,vkbZ, ¼cUn gksus dh frfFk ls½ x`g _.k cSad] xq.koÙkkiw.kZ xzkgd lsok gsrq o vius çLrkoksa esa lokZsÙke uokpkj vkSj
dsoy iwoZ ds _.kksa gsrq nkok fuiVku çkS|ksfxdh ykus rFkk xzkgdksa dh ilan ds lHkh pSuyksa ds ekè;e ls çR;sd xzkgd
dh vuwBh t:jrksa ds çfr mÙkjnk;h gksus ds fe'ku ds lkFk lcls cM+s çorZd ds
ih,uch esVykbQ f'k{kk _.k :i esa fMftVy ifjorZu dks cuk, gq, gS A

vkfnR; fcjyk lu ykbZQ
,yvkbZlh x`g thou ,oa thou fo|k
¼cUn gksus dh frfFk ls½ dsoy iwoZ ds
dojst gsrq nkok fuiVku
x`g _.k ,oa xSj tekurh _.k
x`g _.k ,oa f'k{kk _.k
cSad us 10-01-2022 dks çkstsDV MCY;w,ohbZ ¼oYMZ v‚Q ,MokaLM opZqvy
,Dlihfj;al½ uked ,d fMftVy ifjorZu ;k=k 'kq: dh gS] ftlesa
VªkalQ+‚eZs'ku ,uscylZ ds ,d igyw dks lfEefyr fd;k x;k gSA bl ifjorZu
;k=k esa cSad us eSllZ cwLVksu dalfYVax xzqi dks u‚yst ikVZuj ds :i esa 'kkfey
fd;k gSA

E;wP;qvy QaM forj.k cSad us vçSy 2022 esa vius igys ,aM&Vw&,aM fMftVy çh&vçwOM ilZuy yksu
¼ih,ih,y½ mRikn dh 'kq#vkr dh gS] tks vius ekStwnk xzkgdksa dks fMftVy
ukS ¼9½ vkfLr çcaèku daifu;ksa ¼,,elht½ ds lkFk Lora= Vkb&vi O;oLFkk pSuyksa ds ekè;e ls _.k çkIr djus dh lqfoèkk çnku djrk gSA xzkgdksa dh
lqfoèkk ds eísutj cSad ,slh vkSj vfèkd fuckZèk fMftVy ;k=k ¼Lopkfyr o LVªsV
eSllZ ;wVhvkbZ ,,elh da- fy- fjyk;al fuIiksu ,,elh ,lchvkbZ Fkzw çkslsl½ miyCèk djkus dh çfØ;k esa gSA
E;wP;qvy QaM

Mh,lih E;wP;qvy QaM VkVk E;wP;qvy QaM fçafliy

ih,uch ,,elh

dksVd efgUæk ,,elh Ýsadfyu VsEiyVu ,,elh ,lsy Qkbusal

,,elh

cSad ds fMftVy IysVQ‚eZ ds ekè;e ls E;wP;qvy QaM forj.k gsrq – eSllZ

fQlMe ds lkFk Vkb& vi

5- 'kk[kk usVodZ o foLrkj

31-03-2022 dks cSad dk 'kk[kkvksa dk usVodZ 5732 jgk] ftlesa 1938 xzkeh.k]
1498 vèkZ 'kgjh] 1159 'kgjh vkSj 1137 egkuxj 'kk[kk,¡ 'kkfey FkhaA mi;Zqä
ds vykok] cSad dh 3 fons'kh 'kk[kk,a flaxkiqj] dksyacks vkSj tkQuk esa gSa ,oa ,d
vkbZ,Q+,llh cSafdax ;wfuV ¼vkbZch;w½ fx¶V flVh] xkaèkh uxj] vgenkckn esa gSA

foÙkh; o"kZ 22 ds nkSjku] [kksyh xbZ 21 'kk[kkvksa esa ls 6 cSafdax lqfoèkk jfgr
xzkeh.k dsaæksa ¼;wvkjlh½ esa Fkha] ftuesa ls 1 ys¶V foax ,DLVªhfeLV ¼,yMCY;wbZ½
ftys esa vkSj 1 mÙkj&iwoÊ ¼,ubZ½ ef.kiqj jkT; esa FkhA blds vykok] cSafdax
vkmVysV~l ds lesdu dh fn'kk esa] foÙkh; o"kZ 22 ds nkSjku 88 'kk[kkvksa dks
js'kuykbt fd;k x;k] ftlls lekesyu ds i'pkr ;g la[;k 291 gks xbZA

o"kZ 2021&22 ds var rd] Hkkjrh; fjt+oZ cSad }kjk igpkus x, 90 ys¶V foax iwoZ&vuqeksfnr O;fäxr _.k dh igyh fMftVy _.k ;k=k 28-04-2022 dks 3
,DLVªhfeLV ¼,yMCY;wbZ½ ftyksa dh lwph esa cSad dh 555 'kk[kk,¡ gSaA fDyd esa rRdky laforj.k ds lkFk 'kq: dh xbZA mRikn dks xzkgdksa ls vikj

- 16 -
çfrfØ;k vkSj ç'kalk feyh gSA
7- _.k fuxjkuh
l _.k dh fuxjkuh iwjs _.k thoupØ dks doj djus okys çfrcaèkksa dh tkap
ls 'kq: gksrh gSA ;g laforj.k ds rqjar ckn 'kq: gksrk gS vkSj laforj.k ds
ckn ,l,e,l djrk gS vkSj çh&fMQ‚YV xzkgd ¼xzkgdksa½ dks ,d lkSE;
vuqLekjd ds :i esa Hkstk tkrk gSA d‚y lsaVj dk vuqorZu vkSj
,lvkbZ@,u,lh,p vkns'k dk dk;kZUo;u fd;k tkrk gSA nSfud vyÊ
okfuZax flXuy] ekfld lhvkj,e ¼ØsfMV fjys'kuf'ki eSustj½ fjiksVZ vkSj
,l,e,&0 pj.k ls 'kq: gksus okys ,l,e, [kkrksa dh vuqorÊ vkfLr
xq.koÙkk dks l'kä j[krk gSA mRiUu yxHkx 12000 ls 15000 bZMCY;w,l
vyVZ dk fo'ys"k.k fd;k tkrk gS vkSj rRdky lqèkkj ds mik; fd, tkrs
gSaA
l laxzg n{krk fiNys o"kZ ¼ekpZ&21½ ds 88 çfr'kr ls c<+dj ekpZ&22 rd
95 çfr'kr gks xbZ gSA
8- vkfLr xq.koÙkk çcaèku
l cSad dh vkfLr xq.koÙkk esa lqèkkj gqvk gS] ldy ,uih, ekpZ 22 dks 8-47
çfr'kr jgk] tcfd ekpZ 21 dks ;g 9-85 çfr'kr Fkk vkSj 'kq) ,uih,
vuqikr tks ekpZ 21 ds 3-37 çfr'kr Fkk og lqèkkj dj ekpZ 22 dks 2-27
çfr'kr jgkA
l 31 ekpZ 22 dks cSad dk çkoèkku dojst vuqikr] tks 31 ekpZ] 21 dks 82-12
çfr'kr Fkk] lqèkj dj 87-38 çfr'kr gqvk gSA
l cSad us ,ulh,yVh esa HkrÊ [kkrksa ls foÙk o"kZ 22 ds nkSjku 1087 djksM+ #i;s
dh olwyh dh gSA
l o"kZ ds nkSjku] #i, 4920-41 djksM+ ds fjtoZ ewY; dh 4024 laifr;ksa dks
foØ; ds fy, ljQslh vfèkfu;e ds vèkhu yk;k x;k ,oa :i, 492 djksM+
foØ; ewY; dh 601 laifÙk;ksa dks cspk x;kA
l cSad us lHkh jk"Vªh; yksd vnkyrksa esa lfØ; :i ls Hkkx fy;k vkSj vapy
Lrj ij fofHkUu yksd vnkyrksa dk Hkh vk;kstu fd;kA 547 djksM+ dh
fuiVku jkf'k ds lkFk 33891 [kkrksa dk fuiVkjk fd;k x;kA
l v'kksè; _.k cês [kkrs esa Mkys x, [kkrksa esa o"kZ ds nkSjku 1610-63 djksM+
dh jkf'k olwy dh xbZA
9- tksf[k+e çcaèku
_.k tksf[k+e %
çkFkfed Lrj ij tksf[k+e dh igpku o fo'ys"k.k ds fy, vkSj foosdh lhekvksa ds
LFkkiu o fuxjkuh ds lkFk lkFk cnyrs tksf[k+e ekgkSy dk lkeuk djus ds fy,
- 17 -
vU; lqèkkjkRed mik; fd, tkus ds fy, tksf[k+e çcaèku ç.kkyh ekStwn gSaA ;g
_.k tksf[k+e çcaèku #ijs[kk }kjk fd;k tkrk gS] tks _.k tksf[k+e ds VªSd] çcaèku
o lle; i;Zos{k.k dks çHkkoh cukrk gSA ØsfMV tksf[ke ÝseodZ esa _.k tksf[ke
çcaèku uhfr vkSj _.k uhfr 'kkfey gSaA
_.k leh{kk ÝseodZ
cSad us _.k leh{kk ÝseodZ dks viuk;k gS] ftlesa _.k çLrkoksa dk _.k tksf[ke
ewY;kadu vkSj mldk de tksf[ke@eè;e tksf[ke@mPp tksf[ke@uks&xks ds
:i esa tksf[ke oxÊdj.k 'kkfey gS ftldk vkèkkj lkr O;kid ekunaM ;Fkk
mèkkjdrkZ] çeksVj vkSj lewg laLFkk,a] xfrfofèk@m|ksx] çfrHkwfr dojst]
lqfoèkkvksa dk lapkyu] jsfVax vkSj vuqikyu dh fLFkfr ds lkFk&lkFk O;fäijd
tksf[ke ekinaMksa esa varfuZfgr tksf[ke dkjdksa ds fo'ys"k.k ij ek=kRed tksf[ke
Ldksfjax eSfVªDl gSA
vkfLr ns;rk çca/ku%
vkfLr ns;rk çcaèku cSad dks tksf[ke ,Dlikstj] tksfd pyfuf/k tksf[ke vkSj
C;kt nj tksf[ke ls cSad ds rqyu i= ij mHkj ldrs gSa] dks ekius o tk¡pus gsrq
lgk;rk djrk gSA
cSad dh vkfLr ns;rk lfefr ¼,,ylhvks½ le;&le; ij cSad dh vkfLr vkSj
nsunkfj;ksa dh leh{kk djrh gSA
cktkj tksf[ke çca/ku%
cktkj esa gksus okys fofoèk ifjorZuksa ds ifj.kkeLo:i laHkkfor uqdlku] cktkj
tksf[ke gSA cktkj tksf[ke çca/ku dk y{; gS] cktkj tksf[ke ,Dlikstj ls
lacfU/kr oS'ysf"kdh lapkfyr vknkuksa] iksVZQksfy;ks fu"iknu dh rqyuk esa tksf[ke
,Dlikstj vkSj rqyukRed ekin.Mksa dks miyC/k djkdj tksf[ke lek;ksftr
çfrykHk nj dks vfèkdre c<+kus esa O;kikj bdkb;ksa dhs lgk;rk djukA
ifjpkyu tksf[ke %
orZeku esa ifjpkyu tksf[ke m|ksx çfrHkkfx;ksa] fofu;kedksa ,oa vU;
LVsd/kkjdksa ds chp xgu #fp dk fo"k; cu x;k gSA çHkkoh lapkyu] tksf[ke ij
idM+ vkSj ifjpkyu tksf[ke ds ,Dlikstj ds ewY;kadu o ek=k fu/kkZj.k dks
lqfuf'pr djus gsrq cSad esa ifjpkyu tksf[ke çca/ku ÝseodZ ¼vksvkj,e,Q½ o
ifjpkyu tksf[ke çca/ku ç.kkyh ¼vksvkj,e,l½ fo|eku gSA nSfud çca/ku
çfØ;kvksa esa xq.kkRed o ek=kRed mik;ksa ds ç;ksx o vkarfjd fu;a=.k ç.kkyh
LFkkiu ds }kjk rFkk fofo/k tksf[ke U;wuhdj.k j.kuhfr dks vaxhdkj dj
ifjpkyu tksf[ke dk lqçca/ku fd;k tkrk gSA fofo/k mRiknksa@çfØ;kvksa esa
tksf[ke cks/k dk vkykspukRed fo'ys"k.k ,oa lq/kkjkRed dne] ;fn vko';d gksa
rks] mBk, tkrs gSaA
cSad us tksf[ke fu;a=.k vkSj Lo ewY;kadu ¼vkjlh,l½ rFkk eq[; tksf[ke
lwpdkad ¼ds vkj vkbZ½ ds fy, okafNr ÝseodZ rS;kj fd;k gSA tksf[ke ,oa
fu;a=.k LoewY;kadu dks eq[; ifjpkyukRed tksf[keksa dk irk yxkus vkSj
vkarfjd fu;a=.k dh izHkkokRedrk dh rhozrk dk ewY;kadu djus gsrq iz;ksx fd;k
tkrk gSA
O;kolkf;d bdkb;ksa ls mRiUu gksus okyh fofHkUu çdkj ds tksf[keksa dks de
djus vkSj çcaèku djus ds fy, tksf[ke vfèkdkfj;ksa dks çR;sd vapy vkSj {ks=
egkçcaèkd dk;kZy; esa tksf[ke çcaèku foHkkx ds lkFk leUo; djus ds fy,
uksMy vfèkdkjh ds :i esa dk;Z djus ds fy, ukfer fd;k x;k gSA
csly III iwath fofu;eu
csly III iwath fofu;eu] Hkkjr esa 1 vçSy] 2013 ls çHkkoh gks x;k vkSj 1
vDVwcj] 2021ls iwjh rjg ls dk;kZfUor gks x;kA cSad dk lkekU; bZfDoVh fV;j
1 iw¡th Lrj dkQh vPNk gS vkSj cSad vko';drkuqlkj lHkh izdkj dh iw¡th c<kus
dh i;kZIr {kerk Hkh j[krk gSA
Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj lh/kh HkrhZ esa vuqlwfpr tkfr ¼vtk½]
vuqlwfpr tutkfr ¼vttk½] vU; fiNMs oxksZa ¼vkschlh½ vkSj 'kkjhfjd :i ls
fodykax ¼ihMCY;wMh½ mEehnokjksa dks vkj{k.k iznku fd, tkrs gSaA ljdkj ds
fn'kkfunsZ'kksa ds vuqlkj vuqlwfpr tkfr ¼vtk½@vuqlwfpr tutkfr ¼vttk½
dks inksUufr;ksa esa vkj{k.k fn, tkrs gSaA
dkWdk@eklaiz esa v-tk@v t-tk dY;k.k d{k@ vkj{k.k d{k] v-tk@v-ttk
deZpkfj;ksa ls izkIr f'kdk;rksa@vH;kosnuksa ¼vxj dqN gksa rks½ mlds rqjUr
fuiVku dks lqfuf'pr djrk gSA v-tk@v-t-tk oxZ ds deZpkfj;ksa ds fgrksa dh
ns[kHkky gsrq,d egkizcU/kd] eq[; leUo; vf/kdkjh ¼lh,yvks½ ds :i esa rFkk
nwljs egkizcU/kd v-fi-o deZpkfj;ksa ds fgrkFkZ lh,yvks ds :i esa dk;Zjr gSaA

o"kZ ds nkSjku ekuo lalkèku igysa

csly III iwath fu;eksa dks iwath i;kZIrrk vuqikr ¼lh,vkj½ ds ?kVdksa ij
izdVhdj.kksa ds ofèkZr lsV dh vko';drk Hkh gS ftUgsa =Sekfld vk/kkj ij cSad
dh osclkbV ij izdkf'kr fd;k tkrk gSA cSad yhojst vuqikr pyfufèk dojst
vuqikr ¼,ylhvkj½ ,o afuoy fLFkj fufèk;u vuqikr ¼,u,l,Qvkj½ Hkh n'kkZ
jgk gSA
l u, ,pvkj,e,l iksVZy] pj.k I dk fnlacj] 21 esa 18 e‚Mîwy ds lkFk
'kqHkkjaHk fd;k x;k] pj.k II 'kh?kz gh 'kq: fd;k tk,xkA pj.k I esa çeq[k
e‚Mîwy tSls dksj ,pvkj] mifLFkfr] isjksy] ih,Q] isa'ku vkSj fuiVku
vkfn 'kkfey gSaA

l U;w ,t ijQ‚eZsal eSustesaV flLVe ¼ih,e,l½% ijLij lfØ; MS'kcksMZ vkSj

iwath laj{k.k dh fn'kk esa fuxjkuh vkSj lqèkkjkRed dkjZokbZ djus ds fy, cSad
lq–<+ O;fäxr fodkl ;kstuk ds lkFk dk;Zfu"iknu ds vkofèkd ewY;kadu
}kjk ,d lexz iwath laj{k.k e‚Mîwy fodflr fd;k x;k gSA
ds mís'; ls 'kq: dh xÃA
10- ekuo lalk/ku izca/ku l LokLF; ns[kHkky VkbZ vi & lsokjr vkSj lsokfuo`Ùk LVkQ lnL;ksa gsrq
eq¶r v‚uykbu M‚DVj ijke'kZds fy, esllZ çsDVks ds lkFk Vkb&vi%
Je'kfDr dh fLFkfr 41108 ukekafdr

31-03-2022 dks cSad dh Je'kfDr fLFkfr fuEukuqlkj gS % 11- ekuo lalkèku fodkl

vçSy 2021 ls ekpZ 2022 dh vofèk ds nkSjku vk;ksftr vkarfjd çf'k{k.k dk

laoxZ dqy vfio vtk vttk iq#"k efgyk
fooj.k%

vf/kdkjh 24246 6693 4731 1994 17565 6681

Øa- la- çf'k{k.k dk çdkj dk;ZØeksa çfrHkkfx;ksa
dh la[;k dh la[;k
fyfid 12577 3724 2746 650 8093 4484
1 lsYQ yfuZax iksVZy 'bZ&ikB'kkyk' 54 7136
lc LVkQ 2616 537 1286 144 2249 367 ds ekè;e ls çnÙk çf'k{k.k
2 ?kj ls v‚uykbu çf'k{k.k 398 18188
iw.kZdkfyd 3 dk;ZLFky ls v‚uykbu çf'k{k.k 414 11605
lQ+kbZ deZpkjh* 295 33 223 15 225 70 4 Dykl #e @ HkkSfrd çf'k{k.k 76 2069
5 dSIlwy dk;ZØe @ osfcuklZ 713 20835
dqy* 39734 10987 8986 2803 28132 11602

¼*?kjsyw- va'kdkfyd lQ+kbZ deZpkjh dks NksM+dj ½
HkrÊ vfHk;ku
o"kZ 2021&22 ds nkSjku] cSad us 308 deZpkfj;ksa dh HkrÊ dh gSA
vuqlwfpr tkfr@vuqlwfpr tutkfr@vU; fiNMs oxksZa@fnO;kax
deZpkfj;ksa ds fy, dY;k.kdkjh mik;%
l foÙkh; o"kZ 22 dh vofèk ds nkSjku] lh,ch] vkbZMhvkjchVh]
lh,,Qvkj,,y] ,uvkbZch,e] ,QbZMh,vkbZ] vkbZ,l,lh,] vkbZvkbZ,e
vkSj ,lchvkbZ,y tSls cká laLFkkuksa }kjk vk;ksftr çf'k{k.k @ osfcukj esa
1443 dk;Zikydksa @ vfèkdkfj;ksa us Hkkx fy;k gSA
l foÙkh; o"kZ 22 ds nkSjku cSad cksMZ C;wjks ¼chchch½@vkbZvkbZ,e cSaxyksj ds
tfj, usr`Ro fodkl dk;ZØe esa vkB dk;Zikydksa us Hkkx fy;k gSA

- 18 -
l ,lchvkbZ,y] dksydkrk ds tfj, 'kh"kZ çn'kZu djus okys 173 lgk;d
egkçcaèkdksa vkSj 83 mi egkçcaèkdksa ds fy, usr`Ro fodkl dk;ZØe
vk;ksftr fd;k x;k FkkA
l mi egkçcaèkd vkSj lgk;d egkçcaèkd Lrj ds 123 dk;Zikydksa ds fy,
eSllZ Msy‚bV ds ekè;e ls O;ogkj ;ksX;rk çLrqrhdj.k }kjk ;ksX;rk
ewY;kadu vk;ksftr fd;k x;k Fkk vkSj lHkh vfèkdkfj;ksa ds lkFk O;fäxr
fodkl ;kstuk ¼vkbZMhih½ lk>k dh xbZ FkhA
l 5272 vfèkdkfj;ksa dks 'kkfey djrs gq, ,,lch, lapkyu ij dsafær
dk;ZØe vk;ksftr fd;k x;kA
l deZpkfj;ksa dks LFkkuh; Hkk"kk ls ifjfpr djkus gsrq ¼rfeyukMq esa rSukr½
160 ofj"B dk;Zikydksa @ vfèkdkfj;ksa ds fy, eækl foÜofo|ky; ds
lg;ksx ls vfHkO;fä ;ksX; rfey ij dk;ZØe vk;ksftr fd;k x;kA
d‚ikZsjsV dk;kZy; @ 'kk[kkvksa ds dk;Zikydksa @ vfèkdkfj;ksa ds fy,
vkarfjd dk;ZØe vk;ksftr fd, x,A
l vkB vfèkdkfj;ksa us 10 eghuksa rd 275 ?kaVs ds xgu dk;ZØe esa Hkkx fy;kA
;g dk;ZØe vkbZvkbZch,Q }kjk Hkkjrh; çcaèku laLFkku ¼IIM½] dydÙkk ds
lg;ksx ls vk;ksftr fd;k x;k FkkA
12- xzkgd lsok
cSad] xzkgdksa dh larqf"V ds Lrj esa lqèkkj ds fy, fofHkUu mik; vkSj y{; çkIr
djus dh fn'kk esa vius xzkgdksa dks u, mRikn is'k djus ds ç;kl esa gSA
f'kdk;r fuokj.k ds rjhds
l 24X7 Vksy Ýh uacj 180042500000 ij lqO;ofLFkr d‚y lsaVj miyCèk gSA
l xzkgd customercomplaints@indianbank.co.in esy vkbZMh ij
bZ&esy ds tfj, f'kdk;r ntZ djk ldrs gSaA
l 'kk[kkvksa @ vapyksa @ d‚ikZsjsV dk;kZy; }kjk lHkh ekè;eksa ls çkIr lHkh
f'kdk;rksa dk fuiVku ;fn 24 ?kaVs ds vUnj ugha fd;k tkrk gS rks ;g
xzkgd f'kdk;r fuokj.k ç.kkyh ¼lhthvkj,l½] tks fd dbZ vuwBh
fo'ks"krkvksa ds lkFk fodflr ,d bu&gkml l‚¶Vos;j gS] esa ntZ gks
tk,axsA
vkarfjd yksdiky dh fu;qfä
l vkarfjd f'kdk;r fuokj.k ra= dks lq–<+ djus vkSj xzkgdksa ds foÜokl dks
etcwr djus ds fy, f'kdk;rksa dk fuiVku lqfuf'pr djus ds fy, ,d
vkarfjd yksdiky dh fu;qfä dh xbZ gSA
l lHkh f'kdk;rsa tgka lekèkku ;k rks udkjkRed ;k vkaf'kd gS] ;kstuk ds
vuqlkj vko';d dkjZokbZ ds fy, vkarfjd :i ls cSad ds vkarfjd
yksdiky ds ikl Hkst nh tkrh gSA
xzkgd lsok esa lqèkkj ds fy, dh xbZ igy
l 24x7 xzkgd lsok Ánku djus d¢ fy, fofHkUu dsaæksa ij bZ&ykmat [kksys x,
gSaA
l tgka isa'kuHkksfx;ksa dh la[;k vfèkd gS] ogk¡ ofj"B ukxfjdksa ds fy, fo'ks"k
dkmaVj [kksys x, gSaA
l cSad çnÙk mRiknksa ij vYi vofèk dh ohfM;ks rS;kj dh xbZ gS vkSj xzkgdksa
ds fgrkFkZ bls lks'ky ehfM;k ij viyksM fd;k x;k gSA
- 19 -
l xzkgd lsok esa lqèkkj vkSj xzkgdksa dh f'kdk;rksa ls fuiVus ds fy, cSad ds
çf'k{k.k dsaæksa esa vk;ksftr lHkh çf'k{k.k dk;ZØeksa@dk;Z'kkykvksa esa xzkgd
lsok ij ,d fo'ks"k l= 'kkfey fd;k x;kA xzkgdksa ds lkFk lân;rkiwoZd
O;ogkj djus ds fy, Ý‚UVykbu LVkQ lnL;ksa ds fy, uohu l‚¶V fLdy
dk;ZØe rS;kj fd;k x;k gSA
lwpuk dk vfèkdkj ¼vkjVhvkbZ½ vfèkfu;e 2005
d‚ikZsjsV dk;kZy; esa xzkgd lsok foHkkx ds rgr vkjVhvkbZ lsy vkosnuksa] igyh
vihyksa vkSj nwljh vihyksa dks laHkky jgk gSA vkjVhvkbZ vkosnu nkf[ky djus ds
fy, dsaæh; lwpuk vk;ksx ¼lhvkbZlh½ fyad cSadksa dh osclkbV ij miyCèk
djk;k x;k gSA lHkh vkosnuksa dks fuèkkZfjr le; vofèk ds Hkhrj fuiVk;k tkrk
gSA
13- fMftVy ;k=k
l 31-03-22 dks cSad ds usVodZ :i esa ns'k Hkj esa 3180 ,Vh,e] 1745 ch,u,]
1969 iklcqd fd;‚Ld gSA
l fMftVy pSuyksa ds ekè;e ls ysunsu esa o"kZ&nj&o"kZ 17% dh o`f) gqbZ gSA
fMftVy çLrko
l cSad us dkjksckj l`tu] [kqnjk vkSj ,e,l,ebZ _.k mRiknksa dh
Ø‚l&lsfyax ds fy, iw.kZMsVk ,ukfyfVDl l‚Y;w'ku ykxw fd;k gSA
l fofHkUu pSuyksa ;Fkk ,Vh,e] osclkbV] ,ech] pSVc‚V] lks'ky ehfM;k ds
ekè;e ls l`ftr yhM dh çHkkoh fuxjkuh vkSj yhM dks dkjksckj esa cnyus
ds fy, bls yhM eSustesaV flLVe ¼,y,e,l½ ds lkFk ,dh—r fd;k x;k
gSA
l vkWu ykbu izkIr ऋण vkosnuksa ds izlaLdj.k ds fy, dzsfMV fyaDV ljdkjh
;kstukvkss ds fy, jk"Vz~h; iksVZy ds lkFk ,dhd`r
l rRdky [kkrk [kksyus vkSj xzkgd vfèkxzg.k dks vklku cukus ds fy, VSc
cSafdax vkSj ohfM;ks dsokbZlh dk ykap fd;k x;kA
l isa'kuHkksxh ds fy, ohfM;ks dsokbZlh ds ekè;e ls ohfM;ks thou çek.k i=A
baVjusV cSafdax
l cSad us fcy çstsaVs'ku e‚Mîwy ds rgr baVjusV cSafdax pSuy esa chchih,l
dks ,dh—r fd;k gSA fcyj ds iathdj.k ds fcuk xzkgd fcyksa dk Hkqxrku
dj ldrk gSA
l baVjusV cSafdax esa MsfcV dkMZ dh g‚VfyfLVax vkSj dkMZ dks iqu% tkjh djus
gsrq vuqjksèk dh lqfoèkk dks l{ke fd;k x;k gSA
l foÙkh; MsVk fjiksfVZax flLVe dh xq.koÙkk vkSj ;FkkFkZrk esa lqèkkj vkSj csgrj
tksf[ke çcaèku ds fy, cM+s d‚ikZsjsV mèkkjdrkZvksa ds fy, baVjusV cSafdax esa
,ubZ,QVh@vkjVhth,l ysunsu esa ,ybZvkbZ ¼fofèkd laLFkk
vkbMsafVQ+kbj½ dks l{ke fd;k x;k gSA
l usV cSafdax ds ekè;e ls vk;dj foHkkx dh ubZ bZ&Qkbfyax osclkbV
¼vkbZVhvkj bZ&Qkbfyax 2-0½ dks ,dh—r fd;k x;k gSA
l [kkrk ds gkse 'kk[kk ifjorZu dh lqfoèkk dks l{ke fd;k x;k gSA
l d‚ikZsjsV xzkgdksa ds fy, vkbZ,eih,l lqfoèkk 'kq: dh xbZA
eksckby cSafdax
l ,lch [kkrs ds fy, x`g 'kk[kk dk ifjorZu] ,Vh,e dkMZ g‚V fyfLVax]
 baMvks,fll esa bZesy vkbZMh cnyuk@viMsV djuk 'kq: dh xbZA
l baMvks,fll esa i‚ft+fVo is flLVe & psd fooj.k dh iqf"V djus ds fy,
rkfd mPp ewY; ds psdksa dks lalkfèkr fd;k tk lds tc bls cSad dks
çLrqr fd;k tkrk gS tSls fd vkjchvkbZ }kjk vfuok;Z fd;k x;k gSSA ;g
psd ds ekè;e ls èkks[kkèkM+h xfrfofèk;ksa dks jksdus ds fy, lapkfyr fd;k
x;k gSA
l xzkgd dks eksckby IysVQ‚eZ ij rqjar v‚ucksMZ djus dh lqfoèkk ds fy,
'kk[kk ds ekè;e ls ,efiu dk tujs'ku l{ke fd;k x;k gSA
fMfty‚dj lsok,a
l xzkgd ds fMfty‚dj [kkrs esa 'kk[kk fooj.k ds lkFk bZ&iklcqd ÝaV ist]
O;fäxr fooj.k vkSj D;wvkj dksM tujsV vkSj tkjh fd;k tk ldrk gSA
l eh;knh tek [kkrksa ds fy, fMfty‚dj ds ekè;e ls C;kt çek.ki= tujsV
fd;k tk ldrk gSA
l cpr vkSj _.k [kkrksa ds fy, fMfty‚dj ds ekè;e ls [kkrk fooj.k
tujsV fd;k tk ldrk gSA bafM;u cSad fMft y‚dj ds ekè;e ls [kkrk
fooj.k lsok,a çnku djus okyk ,dek= cSad gSA
,Vh,e ,oaa ch,u,
l ch,u, esa baVjv‚ijsfcfyVh udn tek lqfoèkk ykxw fd;k x;k gS A
l cSad us ,Vh,e ls tqM+s tksf[ke dks de djus ds fy, ,Vh,e esa eSu bu
feMy vVSd dk irk yxkus ds fy, ,Vh,e fLop dks vuqdwfyr fd;k gSA
l cSad ds ,Vh,e@dS'k fjlkbdy esa ysu&nsu l{ke gksus ls igys udn vkSj
ewY;oxZ dh miyCèkrk ,Vh,e LØhu esa çnf'kZr gksrh gSA
MsfcV@ØsfMV dkMZ
l v‚uykbu ØsfMV dkMZ vkosnu iksVZy dh 'kq#vkr dh xbZ] tgka xzkgd
@xSj&xzkgd ØsfMV dkMZ ds fy, vkosnu dj ldrs gSaA
l Hkqxrku fuiVku çfØ;k esa rsth ykus ds fy, ØsfMV dkMZ ns; Hkqxrku esa
oh&dysDV dh 'kq#vkrA
l ubZ gsYFk dkMZ mRikn "vkbZch&lqj{kk" y‚Up fd;k x;kA
l xzkgdksa dks d‚UVSDVysl ¼,u,Qlh½ oht+k ØsfMV dkMZ tkjh djukA
l MsfcV dkMZ ysunsu ds fy, bZ,Q+vkj,e ,dhdj.k ykxw fd;k x;kA
l ,uihlhvkbZ vkSj ekLVjdkMZ ds fy, dkMZ v‚u Qkby Vksdukbts'ku dks
ykbo dj fn;k x;k gSA
O;kikjh vfèkxzg.k
l ;wihvkbZ çhisM okmpj fjMsEi'ku e‚Mîwy eksckby ,si ¼bZ&#ih½ y‚Up
fd;k x;k A
l l‚¶Vihvks,l dh 'kq#vkr & eksckby ,fIyds'ku&vkèkkfjr tks O;kikfj;ksa
dks vius eksckby Qksu ij udn] dkMZ] D;wvkj vkSj ;wihvkbZ ysunsu
Lohdkj djus esa l{ke cukrk gSA
l ihvks,l Hkqxrku fd;ksLd l‚Y;q'ku dh 'kq#vkr & xzkgdksa dks iwjh rjg ls
laidZ jfgr Hkqxrku lsok dk vuqHko djus dh vuqefr nsrk gSA fd;ksLd
laLFkkuksa dks de le; esa vfèkd yksxksa rd igqapus dh vuqefr nsrk gS]
ftlls iSls vkSj Je 'kfä dh cpr gksrh gSA
- 20 -
l ,sUMª‚bM ihvks,l,y,u ¼Android PoSln½ ,si fcfyax l‚Y;q'ku dh
'kq#vkr
l cSad us ,dh—r foÙkh; çcaèku ç.kkyh ¼vkbZ,Q,e,l½ vksfM'kk Vªstjh vkSj
rfeyukMq ds vkbZ,Q,pvkj,e,l ds rgr Vªstjh laxzg dks ,dh—r fd;k
gSA
QkLVSx
l [kqnjk xzkgdksa ds fy, QkLVSx fjpktZ eksckby ,si y‚Up fd;k x;k A
l d‚ikZsjsV xzkgdksa ds fy, QkLVSx y‚Up fd;k x;k A
ih,Q,e,l
ih,Q,e,l e‚Mîwy ds rgr ] fuEufyf[kr v‚ucksMZ fd;k x;k %
l Vh,u ,xzh MhchVh VªkalQj & Vh,u —f"k foHkkx ds fy, ,uihlhvkbZ ds
ekè;e ls jkgr jkf'k ds çR;{k ykHk varj.k ds fy, fodflr iksVZy A
l ih,Q,e,l bZih, ¼bysDVª‚fud Hkqxrku lykg½ & d‚ikZsjsV usV cSafdax ds
ekè;e ls Hkqxrku l{ke
l dsaæ çk;ksftr ;kstukvksa ds çcaèku ds fy, u;k l‚¶Vos;j ykxw fd;k x;k
gS & ,dy uksMy [kkrk ¼lh,l,l&,l,u,½
l lhih,e,l ¼xSj ih,Q,e,l Fkksd Hkqxrku ç.kkyh½ esa l{ke baVªk QaM
VªkalQj lqfoèkkA
{ks=h; xzkeh.k cSad
l vkjvkjch ds MsfcV dkMZ ds fy, xzhu fiu lqfoèkk ykxw dh xbZ gSA
l vkjvkjch ds fy, ihvks,l dk ifjp;
14- lwpuk ç.kkyh lqj{kk
l cSad dh lwpuk ç.kkyh vkSj lqj{kk çfØ;kvksa dks ekud vkbZ,lvks
27001:2013 çekf.kr fd;k x;k gS A
l cSad us igys ls gh ,d lkbcj lqj{kk lapkyu dsaæ ¼lh&,lvkslh½ LFkkfir
fd;k gS ftlesa fofHkUu çeq[k lqj{kk lekèkku 'kkfey gSa vkSj lh&,lvkslh
dh 24*7 fuxjkuh dh tkrh gSA
l cSad ds ikl eq[; lwpuk lqj{kk vfèkdkjh ¼lhvkbZ,lvks½ ds vèkhu ,d
lefiZr Vhe gS tks lqj{kk dk;ksZa dh 24@7 fuxjkuh djrh gSA
l vkbZVh foHkkx ds rgr ,d lefiZr Vhe Hkh cukbZ xbZ gS tks fofHkUu lkbcj
lqj{kk lekèkkuksa ds dk;kZUo;u dks ns[krh gSA lekèkku lfØ; :i ls MsVk]
usVodZ vkSj loZj dh lqj{kk ds fy, fMt+kbu fd, x, gSaA
l deZpkfj;ksa dks lkbcj lqj{kk ij çf'k{k.k Hkh çnku fd;k tkrk gS rkfd
mUgsa gkfy;k lkbcj geys dh j.kuhfr;ksa ls voxr djk;k tk lds vkSj
,slh ?kVukvksa dks de fd;k tk ldsA
l uohure lkbcj [krjksa ij xzkgdksa dks ,l,e,l Hkstdj xzkgd
tkx:drk dks etcwr fd;k x;k gSA lks'ky ehfM;k ij Hkh tkx:drk
lans'k çdkf'kr fd, tkrs gSaA
l cSad us ÞQksjsafld fo'ks"kKksaÞ dks Hkh lwphc) fd;k gS] rkfd fdlh lkbcj
lqj{kk ?kVuk ds dkj.k gksus okyh Qksjsafld tkap] ;fn dksbZ gks] dk lapkyu
fd;k tk ldsA
l cSad vkjchvkbZ }kjk tkjh fn'kk&funZs'kksa@lykgdkjksa dks mPp çkFkfedrk
ns jgk gS vkSj vkjchvkbZ }kjk fd, x, fu;ked v‚fMV ij dh xbZ
 fVIif.k;ksa ds vuqikyu dk ikyu dj jgk gSA
15- ifjlj
l gfjr igy ds fgLls ds :i esa] foØsrkvksa] vkiwfrZdrkZvksa vkfn dks vf/kdka'k
Hkqxrku bysDVª‚fud pSuy] tSls çR;{k ØsfMV @ ,ubZ,QVh @
vkjVhth,l ds ekè;e ls fd, tkrs gSaA
l psUubZ esa cSad dk d‚ikZsjsV dk;kZy; xzhu fcfYMax ¼xksYM jsfVax fLFkfr½ ds
varxZr gSA
l cSad us best v‚fMVksfj;e ds fy, 93 dsMcY;wih lksyj ikoj IykaV] gsM
v‚fQl@ØsLV fcfYMax@d‚ikZsjsV v‚fQl ds fy, 106 dsMcY;wih lksyj
ikoj IykaV vkSj psUubZ 'kgj esa 11 'kk[kkvksa ds fy, 115 dsMcY;wih lksyj
ikoj IykaV ykxw fd;k gSA
l lh u, 'kk[kkv¨a esa ,yÃMh ySEi bUlV‚y fd, x, gSaA e©twnk 'kk[kkv¨a esa
pj.kc) rjhd¢ ls cnyk tk jgk gSA
l 'kk[kkv¨a ,oa dk;kZy;¨a d¢ fy, ,utÊ vWkfMV vkof/kd fd;k tkrk gSA
16- vkarfjd fu;a=.k
fujh{k.k
l tksf[ke vkèkkfjr vkarfjd ys[kkijh{kk vc lHkh 'kk[kkvksa vkSj lHkh
O;kolkf;d bdkb;ksa dks doj dj jgh gSA
l 969 'kk[kkvksa dks leorÊ v‚fMV ds rgr doj fd;k x;k gS] ftlesa 70-09%
?kjsyw vfxzeksa vkSj lHkh O;kolkf;d bdkb;ksa vkSj d‚dk% ds p;fur foHkkxksa
dks 'kkfey fd;k x;k gSA
l vk; ds fydst dh igpku djus ds fy, lHkh 'kk[kkvksa esa vèkZokf"kZd vkèkkj
ij jktLo ys[kk ijh{kk dh xbZA
l foÙkh; o"kZ 2022 ds nkSjku 78 vapy dk;kZy;ksa] 14 {ks= egk çcaèkd
dk;kZy;ksa] d‚ikZsjsV dk;kZy; ds 34 foHkkxksa] 14 fujh{k.k dsUæksa vkSj 2
vkjvkbZlh esa çcaèku ys[kk ijh{kk dh xbZA
l leh{kk vofèk ds nkSjku ckgjh v‚fMV QeZ }kjk Hks|rk ewY;kadu vkSj
,dhdj.k ds ckn vkbZVh volajpuk dk Hksnu ijh{k.k fd;k x;k FkkA
l 'kk[kkvksa dks 30 çdkj ds vyVZ nsus ds fy, v‚QlkbV e‚fuVfjax
l‚¶Vos;j ykxw fd;k x;k gSA
l fujh{kdksa ds dkS'ky fodkl gsrq muds fy, fu;fer çf'k{k.k dk;ZØe
vk;ksftr fd, x,A
èkks[kkèkM+h tksf[ke çcaèku%
l cSad ds èkks[kkèkM+h tksf[ke çcaèku d{k ¼,Qvkj,elh½ us {ks=h; Lrj ds
inkfèkdkfj;ksa dks tkudkj cukus vkSj èkks[kkèkM+h dh ?kVukvksa dks jksdus ds
fy, o"kZ ds nkSjku fofHkUu igy dh gSaA
l èkks[kkèkM+h tksf[ke çcaèku ij tkx:drk iSnk djus ds fy, bZ&ikB'kkyk
iksVZy ij bZ&çf'k{k.k dk;ZØe viyksM fd;k x;kA
vius xzkgd dks tkfu, ¼dsokbZlh½@èku 'kksèku ¼,,e,y½ fn'kkfunZs'kksa
dk dk;kZUo;u %
l cSad dh ,d lqifjHkkf"kr dsokbZlh&,,e,y&lh,Q+Vh ¼vkradokn ds
- 21 -
foÙkiks"k.k dk eqdkcyk½ uhfr cukbZ gS] ;g og vkèkkj gS ftl cSad us èku
'kksèku fuokj.k vfèkfu;e ¼ih,e,y,½ 2002 ds rgr cSad ds
dsokbZlhekunaMksa] ,,e,yekudksa] lh,Q+Vh mik;ksa vkSj cSad ds nkf;Ro dks
ykxw fd;k gSA
l çeq[k o‚p fyLV ds lkis{k çHkkoh xzkgd uke LØhfuax ds fy,] cSad us vius
,,e,y,fIyds'ku ds lkFk esllZ ysfDll usfDll }kjk çnku dh xbZ oYMZ
dEIykbal MsVk QhM dks ,dh—r fd;k gSA
l cSad us ,,e,y,fIyds'ku esa ,Q+vkbZ;w&vkbZ,uMh }kjk fuèkkZfjr vyVZ
ifj–';ksa dks vuqdwfyr vkSj ;qfälaxr çkjafHkd ewY;ksa ds lkFk 'kkfey
fd;k gSA
l xzkgd tksf[ke oxÊdj.k çfØ;k dks lhch,l ds lkFk ,dh—r dj ,d
xfr'khy vkSj vfèkd dq'ky e‚My esa cny fn;k x;k gSA
17- vuqikyu
cSad dh vuqikyu uhfr dks cksMZ }kjk fofèkor vuqeksfnr fd;k x;k gSA Hkkjrh;
fjtoZ cSad ds fn'kkfunZs'kksa ds vuqlkj] cSad esa egkçcaèkd vkSj eq[; vuqikyu
vfèkdkjh dh vè;{krk esa ,d Lora= vuqikyu foHkkx LFkkfir fd;k x;k gSA
foHkkx cSad ds dkedkt dks fu;af=r djus okys fofHkUu oSèkkfud vkSj fu;ked
fn'kkfunZs'kksa ds ikyu dh fuxjkuh djrk gSA
18- lrdZrk
lrdZrk foHkkx cSad esa lrdZrk ç'kklu ds fy, ftEesnkj gSA foHkkx dsaæh;
lrdZrk vk;ksx ¼lhohlh½ }kjk tkjh lrdZrk fu;ekoyh vkSj lhohlh }kjk
le;&le; ij tkjh lrdZrk ç'kklu ds fn'kk&funZs'kksa }kjk funZsf'kr gksrk gSA
lrdZrk ekeyksa ij lhohlh ds lkFk ijke'kZ djus ds fy, foHkkx laidZ dk
,dek= LFky gSA lrdZrk foHkkx dk çeq[k eq[; lrdZrk vfèkdkjh ¼lhohvks½
gksrk gS] ftls lhohlh dh flQkfj'kksa ij Hkkjr ljdkj }kjk bl in ij fu;qä
fd;k tkrk gSA lhohvks cSad ds lrdZrk lacaèkh ekeyksa ds lacaèk esa lhohlh] Hkkjr
ljdkj] vkjchvkbZ] lhchvkbZ tSlh ckgjh tkap ,tsafl;ksa ds lkFk laidZ djus
okyk uksMy vfèkdkjh gSA
cSad esa lrdZrk foHkkx vfrlfØ; :i ls dk;Z dj jgk gS] ftlesa eq[; :i ls
fuEufyf[kr ij è;ku fn;k x;k gS&
l fuokjd lrdZrk igy]
l cSad ds ç'kklu esa O;ofLFkrlqèkkj dk lq>ko nsuk]
l lhohlh fn'kkfunZs'kksa ds vuq:i lacafèkr vuq'kklfud çkfèkdkfj;ksa }kjk
lrdZrk lacaèkh vuq'kklfud ekeyksa ds lapkyu vkSj lekiu dks lqfuf'pr
djus ds fy, lw{e fuxjkuh
l foÙkh; o"kZ ds fy, p;u dh xbZ 'kk[kkvks adk lrdZrk fujh{k.k djuk vkSj
l {ks=h; lrdZrk bdkb;ksa@ vapy dk;kZy;ksa ds ekè;e ls lrdZrk lacaèkh
vk'kadk ,oa èkks[kkèkM+h okyh f'kdk;rksa dh tkap djukA
o"kZ ds nkSjku lrdZrk fuokjd igy%
vk;ksftr vfHk;ku %
l okgu _.k iksVZQksfy;ks dh laoh{kk ds fy, vDVwcj 2021 esa ,d fo'ks"k
vfHk;ku vk;ksftr fd;k x;kA
l vkHkw"k.k _.k vkSj eqæk _.k iksVZQksfy;ks dh laoh{kk ds fy, fnukad
31-01-2022 ls 05-02-2022 ds chp ,d fo'ks"k vfHk;ku pyk;k x;kA
l bu vfHk;kuksa ls çkIr fu"d"kksZa dks tkx#drk vkSj lqèkkj ds fy, lHkh ,vkbZ&pSVcksV
'kk[kkvksa ds lkFk lk>k fd;k x;kA vk|k ,d osc vkèkkfjr pSVcksV gS tks cSad dh osclkbV ij miyCèk lkexzh ds
egRoiw.kZ ?kVukØe% vkèkkj ij xzkgdksa ds ç'uksa dk mÙkj nsus ds fy, ,d vfrfjä eksckby&vuqdwy
l mu 14 LFkkuksa ij {ks=h; lrdZrk bdkb;ka ¼,Qoh;w½ LFkkfir dh xbZ gSa] xzkgd baVjQ+sl ds :i esa bafM;u cSad dh osclkbV esa ,dh—r gSA xzkgd }kjk
tgka fujh{k.k dsaæ dk;Zjr gSaA ;s {ks=h; lrdZrk bdkb;ka ¼,Qoh;w½ lhèks lkekU; laoknh Hkk"kk ¼orZeku esa vaxzsth½ esa cSafdax ç'uksa dks le>us ds fy,
cSad ds eq[; lrdZrk vfèkdkjh ¼lhohvks½ dks fjiksVZ djrs gSaA ,Qoh;w dh pkSVc‚V mUur çk—frd Hkk"kk çlaLdj.k ,Yxksfjne ij cuk;k x;k gSA
çeq[k ftEesnkfj;ksa esa lrdZrk lacaèkh f'kdk;rksa dh tkap rFkk èkks[kkèkM+h ds dk;ZØe çcaèku@vfHk;ku%
ekeys] cM+s ewY; ds [kkrksa dk iqu: vè;;u] 'kk[kkvksa esa vkSpd lrdZrk VksD;ks iSjkyafid 2020 fotsrkvksa dk vfHkuanu %
fujh{k.k] lhchvkbZ@ LFkkuh; iqfyl ds lkFk laidZ LFkkfir djuk vkfn cSad us iSjkyafid [ksy] VksD;ks 2020 ls cSafdax Hkkxhnkjksa esa ls ,d cuus ds fy,
'kkfey gSA Hkkjr dh iSjkyafid lfefr ds lkFk ,d le>kSrk Kkiu ij gLrk{kj fd, FksA
lrdZrk tkx:drk lIrkg 2021% [ksyksa ds ckn] cSad us 23-10-2021 dks best] psUubZ esa fotsrkvksa ds fy, ,d
lrdZrk tkx:drk lIrkg ¼oh,MCY;w 2021½ dk vk;kstu fnukad lEeku lekjksg dk vk;kstu fd;kA
26@10@2021 ls 01@11@2021 rd lhohlh }kjk fuèkkZfjr fo"k; 21- d‚ikZsjsV lkekftd mÙkjnkf;Ro ¼lh,lvkj½ %
"Independent India @ 75] Self-reliance with Integrity- Lora= Hkkjr @75,
l cSafdax xfrfofèk;ksa ds vfrfjä cSad us lh,lvkj igy dh gS vkSj uSfrd
lR;fu"Bk ls vkRefuHkZjrk"¼Swatantra Bhaarat @ 75, Satya nishtha Se ewY;ksa dk lEeku djus vkSj yksxksa] leqnk;ksa vkSj çk—frd i;kZoj.k dk
Athma nirbharata) ij fd;k x;kA
lEeku fd;k gSA
19- lqj{kk l ,d etcwr ftEesnkj d‚ikZsjsV ds :i esa] cSad Hkkjr ds yksxksa dh lsok djus
l lHkh cSad 'kk[kkvksa dks vc vR;kèkqfud bysDVª‚fud &'cxZyj vkSj Qk;j dh çfrc)rk ds lkFk lekt ds ykHk ds fy, fofHkUu igy dj jgk gS vkSj
vykeZ flLVe] gkbZ MsfQfu'ku Mhohvkj @ ,uohvkj vkèkkfjr lhlhVhoh lh,lvkj LraHkksa ds ekè;e ls t:jrean vkSj gkf'k, dh vkcknh rd
lksyw'kUl' ls ySl fd;k x;k gSA igqapus ds fy, fuEukuqlkj dke dj jgk gS %
l loZj :e] Mhvkj lkbVksa tSls lHkh egRoiw.kZ çfr"Bkuksa esa Lopkfyr l ySafxd lekurk vkSj efgyk vfèkdkfjrk
¼e‚Mîwyj½ Dyhu ,tsaV vkèkkfjr vfXu'kked @ xSl vkèkkfjr vfXu 'keu l lekos'kh fodkl
ç.kkyh rFkk 'kk[kkvksa @ ,Vh,e dks vkx ds [krjksa dks de djus ds fy,
l gfjr igy vkSj i;kZoj.kh; fLFkjrk
i;kZIr vfXu'kkedksa ls lqlfTtr fd;k x;k gSA
l foÙkh; lk{kjrk vkSj O;kolkf;d dkS'ky esa o`f)
l dS'k oSu esa thih,l vkèkkfjr VªSfdax fMokbl yxk, x, gSaA
l ofj"B ukxfjdksa dh fof'k"V vko';drk,a
l ,Vh,e dsaæksa dh Hks|rk dks è;ku esa j[krs gq,] ns'k Hkj esa cSad ds LokfeRo
lh,lvkj xfrfofèk;k¡ %
okys ,Vh,e esa dsaæh—r fuxjkuh ds lkFk 24x7 bysDVª‚fud fuxjkuh
¼bZ&fuxjkuh½ dh O;oLFkk dh xbZ gSA foÙk o"kZ 2022 ds nkSjku] Hkkjr ds fofé kx¨a esa vLirkyksa dks dksfoM pqukSrh ls
fuiVus ds fy, ,oa mudh Hkfo"; dh vko';drkvksa dks iwjk djus esa lg;ksx
20- foi.ku%
lfgr dbZ lh,lvkj xfrfofèk;ka dh xbZA
lks'ky ehfM;k ij czkaM fuekZ.k xfrfofèk;ka
l cSad ds vkfèkdkfjd Qslcqd] fV~oVj] ;wVîwc] baLVkxzke] fyaDMbu pSuy¨a
dk çcaèku fd;k x;k vkSj lks'ky ehfM;k pSuy¨a ij mRikn çpkj vkSj
lwpuk çlkj fd;k x;kA {ks= Lrj dh xfrfofèk;ksa] Lekjd fnolksa] voljksa
vkSj cSad dh miyfCèk;ksa ls lacafèkr lks'ky ehfM;k pSuy¨a ij fof'k"V
lkexzh fodflr] çpkfjr dh xbZA baLVkxzke] Qslcqd LVksjh iksLV vkSj
QsfLVoy fo'k ds fy, vkd"kZd thvkbZ,Q vkSj ohfM;ks iksLV cuk, x,A
fMftVy lkbust
l cSad us xzkgdksa dks cSad ds mRiknksa ds ckjs esa tkudkjh çnku djus vkSj
pqfuank 'kk[kkvksa esa bysDVª‚fud fMLIys djus ds fy, fMftVy lkbust
[kjhns gSaA fMLIys bdkb;k¡] cSad ds mRiknksa] miyCèk v‚Q+j] lqj{kk ;qfä;ksa]
ubZ 'kq:vkr vkfn ij lkexzh çnf'kZr djrh gSa] tks xzkgd&mUeq[k vkSj
lkFk gh deZpkjh&mUeq[k nksuksa gSaA fMftVy lkbust dk ykHk gky gh ds
okLrfod le; ds vkèkkj ij v|ru tkudkjh dks fjys djus dh {kerk gSA
orZeku esa] iwjs Hkkjr esa pqfuank 'kk[kkvksa@dk;kZy;ksa esa 943 lkbust yxk,
x, gSaA

- 22 -
 Jh ,l ,y tSu] ,eMh ,oa lhbZvks us M‚ eukst dqekj ,p oh Mhu vkSj Jh ,l ,y tSu] ,eMh ,oa lhbZvks] xqtjkr esfMdy ,tqds'ku fjlpZ
funs'kd] Jh vVy fcgkjh oktis;h esfMdy d‚yst ,aM fjlpZ baLVhVîwV] lkslkbVh dks ,Ecqysal dh pkch lkSairs gq,
csaxyq# dks ,Ecqysal dh pkch lkSaihA

vktknh dk ve`r egksRlo ds ,adj ekg ds fgLls ds :i esa oh,p,l] psUuS ds psUuS ifCyd gk;j lsdsaMjh Ldwy] vkyokjisV] psUuS dks Vscy vkSj dqflZ;ka]
lg;ksx ls d‚ikZsjsV dk;kZy; esa jänku f'kfoj vk;ksftr fd;k x;kA - uksVcqd vkSj LVs'kujh vkbVe nsdj lg;ksx çnku fd;k x;kA

gksi lkbfd;kfVªd fjgSfcfyVs'ku 'ksYVj Q‚j oqeu] ,Xeksj] psUuS dks vko';d bafM;u cSad }kjk psUuS ifCyd gk;j lsdsaMjh Ldwy] vkyokjisV]psUuS ds cxhps
oLrqvksa dk forj.kA esa ikSèks yxk, x,A bl m|ku dk j[kj[kko cSad }kjk fd;k tk jgkgSA

- 23 -
Jh bejku vehu flíhdh] dk;Zikyd funs'kd us bafnjk xkaèkh vk;qfoZKku mÙkj çns'k ds ekuuh; eq[;ea=h Jh ;ksxh vkfnR;ukFk us lh,lvkj ds rgr
laLFkku] iVuk ds fy, ,Ecqysal dks >aMh fn[kkdj jokuk fd;kA cSad }kjk çnku dh xbZ rhu ,Ecqysal dks gjh >aMh fn[kkdj jokuk fd;k

Jh lqt; efyd] ,Qth,e] esjB us lsaV Y;wd vLirky] lkdsr] esjB dks lh,lvkj xfrfofèk ds rgr tsM ih Ldwy] ukfld ftys ds esèkkoh Nk=ksa dks VSCl çnku
,Ecqysal dh pkfc;ka lkSaihA fd, x,

lqJh in~etk pqUMw:] rRdkyhu ,eMh ,oa lhbZvks] bafM;u cSad us Jh ,e ds Jh- ,p-,l- vgywokfy;k] {ks= egkçcaèkd] dksydkrk us eq[; lfpo] if'pe
LVkfyu] ekuuh; eq[;ea=h] rfeyukMq ljdkj dks dksfoM &19 jkgr mik;ksa caxky ljdkj dks dksfoM&19jkgr mik;ksa ds fy, eq[;ea=h tu jkgr dks"k
ds fy, eq[;ea=h tu jkgr dks"k gsrq psd lkSaikA gsrq psdlkSaik

- 24 -
vapy dk;kZy;] iqíqpsjh ds vfèkdkfj;ksa us LokLF; lfpo] M‚ v#.k] vkbZ,,l vapy dk;kZy; xqokgkVh ds vfèkdkfj;ksa us 29-06-2021
dh mifLFkfr esa iqíqpsjh ds ekuuh; eq[;ea=h Jh jaxklkeh dks psd lkSaikA dks lh,evks] vle lfpoky; esa vle ds ekuuh; eq[;ea=h M‚ fgeark fcLok
ljek dks ,d psdlkSaikA

fo'kk[kkiÙkue vapy us ftyk ifj"kn bZ,e jktdh; fo|ky;] xtqokdk esa ,.kkZdqye vapy us jktdh; ckfydk mPp ekè;fed fo|ky;] ,.kkZdqye esa
ikSèkkjksi.k fd;kA ikSèkkjksi.k fd;k

Jh egs'k dqekj ctkt] egkçcaèkd ¼Vh,evks chihvkj@lhlhMh@,edsVhth½] iVuk vapy dk;kZy; }kjk bafnjk xkaèkh vk;qfoZKku laLFkku] iVuk dks
d‚ikZsjsV dk;kZy;] psUuS vkSj Jh v'kksd iVuk;d] ,Qth,e paMhx<+ us VkVk fpfdRlk midj.k forfjr fd;k x;k
foaxj Ld‚y 18 lhVj ,llhoh dh pkfc;ka riu iquokZl lkslk;Vh fuyks[ksM+h]
djuky ds laLFkkid funs'kd M‚- lqtkrk dks lkSaihA

- 25 -
 vapy dk;kZy; xqokgkVh us lsØsM gkVZ isfy,fVo ds;j lsaVj] xqokgkVh ds vapy dk;kZy; mn;iqj us tutkfr foHkkx] mn;iqj dks lhfyax QSu çnku
ejhtksa ds fy, esfMdy midj.k forj.k fd;k fd;k

22- [ksy
iSjk'kwfVax %

lqJh iwtk vxzoky ¼ofj"B çcaèkd½ us fnYyh esa vk;ksftr f}rh; jk"Vªh; iSjk'kwfVax pSafi;uf'ki 2022esa Hkkx fy;kA

g‚dh %

fnukad 7&12 Qjojh 2022 rd fr#uxj] enqjS rfeyukMq esa vk;ksftr jkT; Lrjh; g‚dh VwukZesaV esa cSad dh g‚dh Vhe mifotsrk jgh

- 26 -
 cSMfeaVu vkSj fØdsV %

fnukad 06-03-2022 dks ,eMh vkSj lhbZvks Jh ,l ,y tSu }kjk best psUuS esa fotsrk & cSad dh fØdsV Vhe us okbZ,lvkjvkj&,lh, fØdsV LVsfM;e] dMik
u, flaFksfVd cSMfeaVu dksVZ dk mn~?kkVu fd;k x;k esa 17&21 Qjojh 2022 rd vk;ksftr lh,e Vh&20 di] vf[ky Hkkjrh;
Vh&20 fØdsV VwukZesaV thrkA

fnukad 23-10-2021 dks,e , fpnacje LVsfM;e] psid] psUuS esa bafM;u cSad fotsrk & bafM;u cSad dk;Zikyd fØdsV VwukZesaV
dk;Zikyd fØdsV VwukZesaV dk vk;kstu

23- jktHkk"kk foHkkx %

jktHkk"kk ds dq'ky vkSj çHkkoh dk;kZUo;u ds fy, cSad çfrc) gSA jktHkk"kk dk;kZUo;u ds {ks= esa cSad us ges'kk gh mÙke dk;Z fu"iknu fd;k gSA

- 27 -
24- iqjLdkj ,oa ç'kfLr;ka
,½ ,l,pth

¼ch½ foÙkh; lekos'ku %

l ,ihokbZ esa] cSad us okf"kZd ,ihokbZ fu"iknu ds ekeys esa vkSlr 96 [kkrk çfr 'kk[kk ¼,,ihch½ ds lkFk ih,QvkjMh, esa nwljk LFkku çkIr fd;k vkSj foÙk o"kZ 2021&22
ds fy, ÞmR—"Vrk ds fy, okf"kZd ,ihokbZ iqjLdkjÞ ls lEekfur fd;k x;k] ftlus y{; dk 137% gkfly fd;kA

l fnukad 03-01-2022 ls 17-02-2022 rd cSadksa ds ,eMh vkSj lhbZvks ds fy, ,ihokbZ yhMjf'ki vfHk;ku esa] cSad us y{; dk 271% çkIr fd;k vkSj ih,QvkjMh, }kjk
Þ,DtseIyjh Mk;eaM vokMZÞ vkSj ÞU;wesjks ;w,uvks vokMZÞ ds fy, vgZrk çkIr dhA

l foÙk o"kZ 2021&22 ds fy, ih,QvkjMh, ds ,ihokbZ 2-0 vfHk;ku ds vesftax vpholZ ds fy, cSad uacj 1 LFkku ij jgk vkSj mls ÞmR—"VrkÞ ls lEekfur fd;k
x;kA lHkh ih,lch 'kk[kkvksa esa] m|ksx esa igyk rhu LFkku gekjh cSad 'kk[kkvksa ;Fkk xksyk xksd.kZ ukFk] ccs: vkSj eudkiqj us thrk FkkA

lh½ jktHkk"kk

l pkyw foÙkh; o"kZ cSad ds fy, cSad dks fganh x`g if=dk ÞbaM Nfoß vkSj iwoZorÊ bykgkckn cSad dks Hkkjr ljdkj }kjk ÞjktHkk"kk dhfrZß iqjLdkj ls lEekfur fd;k
x;kA

- 28 -
 bafM;u cSad dh fganh x`g if=dk ÞbaM Nfoß ds fy, ÞjktHkk"kk dhfrZß iqjLdkj çkIr djrs gq, gekjs dk;Zikyd funs'kd

25- {ks=h; xzkeh.k cSad %

l cSad ds rhu çk;ksftr {ks=h; xzkeh.k cSad gSa] ;Fkk rfeyukMq xzke cSad ¼Vh,uthch½ dk eq[;ky; lsye ¼rfeyukMq½] lIrfxjh xzkeh.k cSad dk eq[;ky; fpÙkwj ¼vkaèkz
çns'k½] vkSj iqnqoS Hkkjfr;kj xzke cSad dk eq[;ky; iqnqpsjh ¼dsaæ 'kkflr çns'k iqnqpsjh½ esa gSA
l rhuksa vkjvkjch ds lacaèk esa] 'kk[kk usVodZ 909 ¼ekpZ 2021½ ls 8 c<+dj 917 'kk[kk,a ¼ekpZ 2022½ gks x;k gSA rhuksa vkjvkjch dk dqy dkjksckj ekpZ 2021 rd
47744 djksM+ ¼13-36% dh okf"kZd o`f)½ dh rqyuk esa ekpZ 2022 rd 54121 djksM+ FkkA
l rhuksa ykHk dekus okys vkjvkjch gSaA

31-03-2022 'kk[kkvksa tekjkf'k vfxze O;olk; fuoy fuoy lhvkj,vkj%

dh la[;k ykHk ,uih,%
rfeyukMq xzke
cSad ¼vys[kkijhf{kr½ 644 17093 17618 34711 232 0.11 12.74
lIrfxjh xzkeh.k cSad 229 9107 8346 17453 201 0 15.19
iqnqoS Hkkjfr;kj xzke cSad 44 1024 933 1957 10 0 10.57
dqy 917 27224 26897 54121 443 -- --

l vkjvkjch lfØ; :i ls ih,etsMhokbZ] ih,etstschokbZ] ih,e,lchokbZ vkSj ljdkj ds ,ihokbZ dk;ZØeksa esa Hkkx ys jgs gSaA rhuksa vkjvkjch ih,etsMhokbZ ds rgr
1210 ,l,l, xkaoksa dks doj dj jgs gSa vkSj bl ;kstuk ds rgr 10-05 yk[k [kkrs [kksys gSaA vkjvkjch us ih,e,lchokbZ ds rgr 9-63 yk[k ykHkkfFkZ;ksa]
ih,etstschokbZ ds rgr 4-93 yk[k ykHkkfFkZ;ksa vkSj ,ihokbZ ;kstuk ds rgr 1-59 yk[k ykHkkfFkZ;ksa dks Hkh doj fd;k gSA

- 29 -
 dkjksckj mRrjnkf;Ro fjiksVZ &2021&22
lsch ¼,yvksMhvkj½ fofu;eu] 2015 dk fofu;eu 34
[k.M ,% daiuh dk lkekU; ifjp;

1- daiuh dh dkWiksZjsV igpku la[;k ¼lhvkbZ,u½ ykxw ugha

2- daiuh dk uke bafM;u cSad

3- iathÑr irk 66] jktkth lkyS] psUuS& 600 001
4- osclkbV www.indianbank.in
5- bZ&esy ibinvestorrelations@indianbank.co.in,
investors@indianbank.co.in
6- fjiksVZ dk foRrh; o"kZ 2021&22

7- daiuh ds O;kolkf;d {ks= ¼vkS|ksfxd xfrfof/k dksM&okj½ cSafdax ,oa foRrh; lsok,a

8- 3 izeq[k mRikn@lsok,¡ tks fuekZrk nsrk gS ¼rqyu i= ds vuqlkj½ Tkek mRikn] _.k mRikn ,oa izs"k.k vkfn

9- LFkkuksa dh dqy la[;k tgka daiuh }kjk O;kikj xfrfof/k;ka dh tkrh gSA
LFkkuksa dh dqy la[;k

I. jk"Vªh; fnukad 31-03-2022 dks 5732 ?kjsyw “kk[kk,¡

II. varjkZ"Vªh; flaxkiqj] dksyacks vkSj tkQuk esa fLFkr 3 varjkZ"Vªh; “kk[kk,¡ ,oa fx¶V flVh]
xka/kh uxj] vgenkckn esa ,d vkÃ,Q,llh cSaÇdx ;wfuV ¼vkÃch;w½

10- daiuh }kjk ftu ckt+kjksa esa lsok iznku dh tkrh gS & 29 jkT;ksa ,oa 6 la?k jkT; {ks=ksa esa cSad dh “kk[kk,¡ gS vkSj flaxkiqj ,oa
LFkkuh;@jkT;@jk"Vªh;@varjkZ"Vªh; Jhyadk esa cSad dh varjkZ"Vªh; mifLFkfr gSA

[kaM ch% daiuh ds foRrh; C;kSjs

1½ iznRr iwath ¼Hkkjrh; #i;s½ #- 1245-44 djksM
2½ dqy dkjksckj ¼Hkkjrh; #i;s ½@jktLo #- 45]771-67 djksM+
3½ dj pqdkSrh ds ckn dqy ykHk ¼Hkkjrh; #i;s½ #- 3944-82 djksM+
4½ dkWiksZjsV lkekftd nkf;Ro ¼lh,lvkj½ ij dj lkoZtfud {ks= ds cSd
a ksa ds fy, lh,lvkj ij O;; vfuok;Z ugha gSA rFkkfi cSd
a us #i, 493-54 yk[k
pqdkus ds ckn ykHk ds izfr“kr ds :Ik esa dqy O;; [kpZ fd;k gSA
Øe la Lkh,lvkj xfrfof/k;k¡ jkf’k
5½ xfrfof/k;ksa dh lwph ftlesa mDr ¼4½ ij O;; gqvk ¼#i, yk[k esa½
gSA
1- lekos“kh izxfr 117-28
2- O;kolkf;d dkS“ky vkSj foRrh; dkS“ky c<kuk 66-86
3- dkcZu QqV&fçaV dks de djrs gq, gfjr igy vkSj 21-03
i;kZoj.k /kkj.kh;rk
4- fyax lekurk vkSj efgykvksa dk l“kfDrdj.k 1-73
5- ofj"B ukxfjdksa dh LokLF; vkSj dY;k.k] 286-64
fof'k"V vko';drk,a
dqy 493-54
uksV% baMlsVh@ vkjlsVh }kjk foÙkh; lekos'ku@ vkjchMh }kjk [kpZ dh xbZ jkf'k] bl fjiksVZ esa
'kkfey ugha gSA

- 30 -
[kaM lh % vU; fooj.k
1- D;k daiuh dh dksbZ vuq"kaxh daiuh@daifu;ka gS ? gk¡
1- baMcSad epsZaV cSafdax lfoZlst fyfeVsM
2- baMcSad gkmflax fyfeVsM
2- D;k vuq"kafx;ka%
ewy daiuh dh chvkj igy dks dk;kZfUor djrh gS] ugha]
;fn gk¡] rks ,slh vuq"kafx;ksa dh la[;k izLrqr djsaA cSad dh nksuksa vuq"kafx;ka lwphc) laLFkk,a gSaA
3- D;k dksbZ vU; laLFkk@laLFkk,a ftuds lkFk daiuh dkjksckj djrh gS] ugha
¼tSls iznk;d] forjd vkfn½ daiuh dh chvkj igyksa esa Hkkxhnkjh fuHkkrs
gSa? ;fn gk¡] rks ;g n“kkZ,¡ fd ,slh laLFkk@laLFkkvksa dk izfr“kr fdruk
gS ¼30 izfr“kr ls de] 30 ls 60 izfr“kr] 60 izfr“kr ls vf/kd½

[kaM Mh% chvkj tkudkjh

1- funs'kdksa ds fooj.k@chvkj ds izfr mÙkjnk;h funs'kd
2- chvkj uhfr@uhfr;ksa ds dk;kZUo;u ds fy, mÙkjnk;h funs'kd@funs'kdksa ds fooj.kA

MhvkbZ,u la[;k ykxw ugha

uke Jh vÜouh dqekj

inuke dk;Zikyd funs'kd

II. chvkj izeq[k dk fooj.k fuEu izdkj gS

Øe la fooj.k C;kSjk

1 MhvkbZ,u la ¼vxj ykxw gks rks½ ykxw ugha

2 uke Jh lqthr dqekj Ms

3 inuke egkizca/kd & vkj,eMh@lhvkjvks

4 VsyhQksu la[;k 044 & 28134449

5 bZesy vkbZMh deysujitkumar@indianbank.co.in

- 31 -
2- fl)kar&okj ¼,uohth ds vuqlkj½ chvkj uhfr @uhfr;k¡
¼,½ vuqikyu ds fooj.k ¼ gk¡@ugha esa tokc nsa½

mRikn ftEesnkjh
dkjksckjh vkpkj

LVsd /kkjd dh
deZpkfj;ksa dk

lekos'kh fodkl
ekuo vf/kdkj

xzzkgd laca/k
dY;k.k

fu;qfä

tu uhfr
i;kZoj.k
Øe la

iz'u

i`1 i`2 i`3 i`4 i`5 i`6 i`7 i`8 i`9

1 D;k vkids ikl buds fy, uhfr @ uhfr;ka gSa gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡

gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡

2 D;k ;g uhfr lacfU/kr LVsd/kkjdksa ls ijke'kZ
ds ckn cukbZ xbZ gSa \

3 D;k ;g uhfr fdlh Hkh jk"Vªh; @ varjkZ"Vªh; gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡
ekud ds vuq:i gS \ ;fn gk¡] rks ¼50 'kCnksa esa
crk,a½

gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡

4 D;k uhfr cksMZ }kjk vuqeksfnr gS \ ;fn gk¡] rks
D;k og l{ke izfu @ Lokeh@ eqdkv
@mi;qDr cksMZ ds fun“kd }kjk gLrk{kfjr gS
\
gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡
5 D;k daiuh dh uhfr ds dk;kZUo;u dh fuxjkuh
ds fy, cksMZ @ funs'kd@ vf/kdkjh dh ,d
fufnZ"V lfefr gS\

6 uhfr dks v‚uykbu ns[ks tkus ds fy, fyad nsa www.indianbank.in

7 D;k uhfr ds ckjs esa vkSipkfjd :i ls lHkh gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡
izklafxd vkarfjd vkSj ckgjh LVsd /kkjdksa dks
lwfpr fd;k x;k gS\

gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡

8 D;k daiuh dh uhfr @ uhfr;ksa dks ykxw djus
ds fy, vkarfjd lajpuk gS\

9 D;k daiuh dh uhfr @ uhfr;ksa ls lacaf/kr] gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡
lacaf/kr fgr/kkjdksa ds irs Þf'kdk;r fuokj.kß
irs miyC/k gSa \

10 D;k vkarfjd ;k ckgjh ,tsafl;ksa }kjk daiuh gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡ gk¡
dh bl uhfr dh dk;Ziz.kkyh dh Lora= ys[kk
ijh{kk @ewY;kadu fd;k x;k gS\

- 32 -
¼ch½ ;fn Ø-la- 1 ls fdlh Hkh fl)kar ds vkxs tokc ^ugha^ gS] rks ,slk D;ksa gS —i;k le>k,a ¼2 fodYiksa ij fVd yxk,¡½

Øe la ç'u i`1 i`2 i`3 i`4 i`5 i`6 i`7 i`8 i`9

1 daiuh us fl)karksa dks ugha le>k gSA

2 daiuh ,slh fLFkfr;ksa esa fufnZ"V fl)karksa ij

uhfr;ka rS;kj djus vkSj ykxw djus dh fLFkfr esa
ugha gS A
ykxw
3 daiuh ds ikl dk;Z ds fy, foÙkh; ;k ekuo ugha
'kfä lalk/ku miyC/k ugha gSa A

4 bls vxys 6 eghuksa ds Hkhrj fd, tkus dh

;kstuk cukbZ xbZ gSA
5 bls vxys 1 lky ds Hkhrj fd, tkus dh
;kstuk cukbZ xbZ gS A

6 dksbZ vU; dkj.k ¼—i;k crk,a½

3- chvkj ls lacfU/kr vfHk'kklu

pw¡fd dkjksckj dk nkf;Ro lEiw.kZ cSafdax dks 'kkfey djrk gS] vr% foHkkx dh lacfUèkr
Ÿ ml ckjackjrk dks n'kkZ,a ftlds lkFk funs'kd e.My] e.My dh uhfr;ka i`Fkd :i ls rS;kj@uoh—r dh tkrh gS vkSj cksMZ dk vuqeksnu çkIr fd;k tkrk
lfefr ;k lhbZvks] daiuh ds chvkj fu"iknu dk ewY;kadu djrs gSA gSA

Ÿ D;k daiuh chvkj ;k /kkj.kh;rk fjiksVZ çdkf'kr djrh gS\ bl dkjksckj mÙkjnkf;Ro fjiksVZ okf"kZd fjiksVZ dk ,d fgLlk gS vkSj bls cSad dh
fjiksVZ dks ns[kus ds fy, dkSulh gk;ijfyad gS \ fdruh ckjackjrk www.indianbank.in ij miyC/k djk;k x;k gSA
ls bls çdkf'kr fd;k x;k gSA ;g okf"kZd fjiksVZ ds fgLls ds :i esa okf"kZd :i ls çdkf'kr dh tkrh gSA

[kaM bZ % fl)kar&okj fu"iknu

fl)kar 1% dkjksckj dks vkpkj uhfr] ikjnf'kZrk vkSj mÙkjnkf;Ro ds lkFk viuk O;ogkj ,oa lapkyu djuk pkfg,A
1- D;k vkpkj uhfr] fj'or[kksjh vkSj Hkz"Vkpkj ls lacfU/kr uhfr dsoy
daiuh dks doj djrh gS\ D;k ;g lewg@ la;qä m|e@
laiwfrZdrkZ@ Bsdsnkjksa@ ,uthvks@ vU; dks Hkh doj djrh gS\
l ÞbafM;u cSad dk flfVtUl pkVZjß cSad dh 'kk[kkvksa esas xzkgdksa gsrq miyC/k fofHkUu
lqfo/kkvksa@lsokvksa ij egÙoiw.kZ tkudkjh çnku djrk gSA
l flfVtUl pkVZj ds lkFk lafgrk] cSad esa xzkgdksa ds lkFk fd, tkus okys ysu&nsuksa esa
mÙkjnkf;Ro] ftEesnkjh vkSj ikjnf'kZrk ds mPp ekudksa dks lqfuf'pr djsxkA
l xzkgdksa dks cSad ds lkFk fd, tkus okys viuss ysunsuksa esa larks"ktud lsok dh çkfIr
dks lqfuf'pr djus ds fy, Hkkjrh; fjtoZ cSad us Qjojh 2006 esa Hkkjrh; cSafdax
lafgrk vkSj ekud cksMZ ¼chlh,lchvkbZ½ dhs ,d Lora= Lokf;d i;Zos{kd ds :i esa
LFkkiuk dhA
l chlh,lchvkbZ us **xzkgdksa ds izfr cSad çfrc)rk lafgrk & tuojh 2018** esa rFkk
**lw{e vkSj y?kq m|eksa ds çfr çfrc)rk lafgrk&vxLr 2015** esa çdkf'kr fd;k gS]
tks cSadksa ds fy, vuqdj.k gsrq cSafdax dk;Z&ç.kkyh ds U;wure ekudksa vkSj xzkgd
lsok ds csapekdZ dks fufnZ"V djrk gSA
l cSad chlh,lchvkbZ dk lnL; gS vkSj blfy, blus mi;qZä lafgrkvksa dks vius
xzkgdksa ds lkFk ysunsu djus esa U;k;ksfpr O;ogkj dksM ds :i esa LosPNk ls viuk;k
gSA
l cksMZ dh xzkgd lsok lfefr ds le{k xzkgdksa ds çfr çfrc)rk lafgrk dks vaxhÑr
fd, tkus gsrq j[kk x;k gSA
lafgrk dh iw.kZ çfr www.indianbank.in ij miyC/k gSA

- 33 -
2- fiNys foÙkh; o"kZ esa LVsd/kkjdksa ls fdruh f'kdk;rsa çkIr dh xbZa vkSj l d‚ dk% xzkgd lsok d{k] xzkgd f'kdk;r fuokj.k ls lacafèkr gSA
fdrus çfr'kr f'kdk;rksa dk çca/ku }kjk larks"ktud lek/kku fd;k
l dsaæh—r f'kdk;r fuokj.k ç.kkyh ¼lhthvkj,l½ cSad dk ,d bu&gkml iksVZy gSA
x;k\
xzkgd] iksVZy ds ekè;e ls] viuh f'kdk;r v‚uykbu ntZ dj ldrs gSaA vU;
;fn ,slk gqvk gS rks yxHkx 50 'kCnksa esa mudk fooj.k miyC/k djk,aA ekè;eksa ls çkIr lHkh f'kdk;r vkSj 24 ?kaVs ls vfèkd le; ls yafcr vulqy>h
f'kdk;rksa dks lekèkku ds fy, lhthvkj,l esa ntZ fd;k tkrk gSA
l xzkgd f'kdk;r fuokj.k vkSj lsokvksa ds vHkko ds dkj.k] xzkgdksa dks eqvkots dh
uhfr ds vuqlkj] cSad us xzkgdksa dh f'kdk;rksa ds fuokj.k ds fy, vfèkdre 21 fnuksa
dh le; lhek dks viuk;k gSA
gkykafd] vfèkdka'k f'kdk;rksa dk fuokj.k vkSlru 5&7 fnuksa ds Hkhrj fd;k tkrk gSA
f'kdk;rksa dk fooj.k bl çdkj gS%

fooj.k xzkgd 'ks;j/kkjd

o"kZ ds çkjEHk esa yafcr f'kdk;rksa dh la[;k 11834 0

o"kZ ds nkSjku çkIr f'kdk;rksa dh la[;k 254183 77

o"kZ ds nkSjku fuiVk;h xbZ f'kdk;rksa dh la[;k 264429 76

o"kZ ds nkSjku yafcr f'kdk;rksa dh la[;k 1588 1

fuiVk;h xbZ f'kdk;rksa dk çfr'kr 99.40% 98.70%

- 34 -
fl)kar&2 % dkjksckj dks ,slh oLrq,¡ vkSj lsok,¡ çnku djuh pkfg, tks lqjf{kr gksa vkSj vius iw.kZ thou&dky rd /kkj.kh;rk cuk, j[kus esa
;ksxnku nsaA
1 vius rhu mRiknksa ;k lsokvksa dks lwphc) djsa ftldh :ijs[kk us
lkekftd ;k i;kZoj.k laca/kh O;olk;] tksf[ke@ vkSj@;k
lqvolj dks 'kkfey fd;k gSA
2- çR;sd ,sls mRikn ds laca/k esa izfr bdkbZ ¼oSdfYid½ lalk/ku ¼ÅtkZ]
ty] dPpk eky½ ds ç;ksx ds laca/k esa C;kSjs nsaA
i. D;k fiNys o"kZ ds çkjEHk ls var rd ewY; J`a[kyk ds njfe;ku
lzksr@ mRikn@ forj.k esa dVkSrh çkIr dh xbZ gS\
ii. D;k fiNys o"kZ ls miHkksDrkvksa }kjk miHkksx esa ¼ÅtkZ] ty½
dVkSrh gqbZ gSS\
3 D;k daiuh /kkj.kh; lksflaZx ¼ifjogu dks feykdj½ ds fy, dksbZ
çfØ;k fof/k viuk jgh gS\ ykxw ugha
i. ;fn gk¡] rks vkids buiqV lzksr dk D;k çfr'kr /kkj.kh; :i ls ykxw ugha
izkIr fd;k x;k Fkk\
yxHkx 50 'kCnksa esa bldk C;kSjk çLrqr djsaA lHkh foÙkh; mRikn gSa ftudk y{; iwjs ifjpkyu {ks= rd igqap cukuk gSA
4 D;k daiuh us viuss dk;Z LFky ds vklikl ds lekt lfgr lw{e ,oa
y?kq mRikndksa ls oLrq,¡ vkSj lsok,¡ çkIr djus ds fy, dksbZ dne
mBk;k gS\
;fn gk¡] rks LFkkuh; vkSj y?kq foØsrkvksa dh {kerk vkSj ;ksX;rk dks
mUur djus ds fy, dkSu ls dne mBk, x, gSa\
5- D;k daiuh ds ikl mRiknksa vkSj csdkj oLrqvksa dks jhlkbfdy djus
dh O;oLFkk gS\ ;fn gk¡] rks mRiknksa vkSj csdkj oLrqvksa ds iqupZØ.k
dk çfr'kr D;k gS\ ¼i`Fkd :i ls] tSls 5% ls de] 5% ls 10%
vkfn½A yxHkx 50 'kCnksa esa bldk C;kSjk çLrqr djsaA
cSad fuEufyf[kr foÙkh; lsok,¡a çLrqr djrk gS tks lkekftd dkjksckjksa vkSj lqvoljksa dks
lfEefyr djrh gSaA
Ø Lo;a lgk;rk lewg ¼,l,pth½
Ø foÙkh; lk{kjrk dsaæ ¼,Q,ylh½
Ø bafM;u cSad Lo jkstxkj çf'k{k.k laLFkku ¼baMlsVh½
cSad dk ekuuk gS fd lrr fodkl esa i;kZoj.k laj{k.k 'kkfey gSA bl fn'kk esa] cSad us
ges'kk mu igyksa ij tksj fn;k gS tks i;kZoj.k dh çnw"k.k eqä cukus esa ;ksxnku djrh gSa
tSls%
i. ,uthZ ,fQf'k;aV dq'ky ,ybZMh fQDplZ dk izko/kku
ii. cSad ds vius futh Hkou dh Nr ij lkSj iSuyksa dk izko/kku
iii. dkWiksZjsV dk;kZy; esa flost VªhVesaV IykaV xank ikuh izfØ;k la;a=
Ÿ dkiksZjsV dk;kZy; esa lkSj ÅtkZ dk mi;ksx] ;g igys ls gh xzhu fcfYMax ¼Lo.kZ
jsfVax Lrj½ ds rgr miyC/k gSA lkoZtfud {ks= ds cSad gksus ds ukrs ÅtkZ ds
oSdfYid lzksrksa dks viukdj] cSad us xzhu bafM;k cukus ds fy, vU; miØeksa ds
lkFk feydj lg;ksx fn;k gSA
Ÿ ÅtkZ [kir ij okf"kZd dqy O;; dks yxHkx 4 ls 5 çfr'kr rd de djus ds fy,]
cSad vius Hkou esa tgka dgha rduhdh :i ls O;ogk;Z gks] lkSj ÅtkZ la;a= dks
LFkkfir djus gsrq usVodZ dk foLrkj dj jgk gSA
Ÿ vkarfjd çdk'k O;oLFkk esa ,ybZMh ySai dk mi;ksx djds ykbfVax iz.kkfy;ksa esa u,
rduhdh mRiknksa dks viukuk
Ÿ ubZ 'kk[kk,a dsoy ,ybZMh ykbfVax ls çdkf'kr gSaA
Ÿ ekStwnk 'kk[kkvksa esa çdk'k O;oLFkk dks pj.kc) rjhds ls cnyk tk jgk gSA orZeku
esa 4975 'kk[kkvksa v©j 202 dk;kZy;ksa esa ,ybZMh ykbfVax dh O;oLFkk gSA
Ÿ ,lVhih ds ekè;e ls] xans ikuh dks ldZqysV fd;k x;k rFkk çfrfnu yxHkx 17]000
yhVj ikuh dks jhlkbZfdy fd;k tkrk gS] bl çdkj ikuh ij gksus okys [kpZ ls
çfr o"kZ #- 5-60 yk[k dh cpr gqbZA
gk¡
ifjogu dher vkSj le; varjky dks de djus ds mís'; ls utnhdh foØsrkvksa ls
vf/kekU; :i ls oLrq,a çkIr dh tkrh gSaA
gk]¡ dkiksZjsV dk;kZy; jk;isêk esa
5% ls de
dkWiksZjsV dk;kZy; jk;isêk esa xUns ikuh ds 'kqf)dj.k gsrq lhost VzhVesaV IykaV la;=
miyC/k djk;k x;k gS tksfd izfrfnu 17]000 yhVj ikuh dk vkÅViqV nsrk gSA
- 35 -
fl)kar&3 % dkjksckj ls lHkh deZpkfj;ksa dh lq[k le`f) esa o`f) gksuh pkfg,A

1- Ñi;k deZpkfj;ksa dh dqy la[;k nsa 39734*

2- Ñi;k vLFkk;h lafonkRed@vukSipkfjd vk/kkj

ij dke ij yxk;s x, deZpkfj;ksa dh iw.kZ 01 ¼vkarfjd yksdiky½
la[;k nsa %
3- Ñi;k LFkk;h efgyk deZpkfj;ksa dh la[;k
11602*
n'kkZ,a
4- Ñi;k LFkk;h fodykaxrk okys LFkk;h
deZpkfj;ksa dh la[;k n'kkZ,¡% 1029

5- D;k vkidk dksbZ deZpkjh laxBu gS tks çca/ku vf[ky Hkkjrh; bafM;u cSad vfèkdkjh la?k
}kjk ekU;rk izkIr gS \ QsMjs'ku v‚Q bafM;u cSad ,EIykbt ;wfu;u
6- vkids deZpkfj;ksa esa ls fdrus izfr'kr bl vfèkdkjh: 78 %
ekU;rk izkIr deZpkjh laxBu ds lnL; gaS\ vokMZ LVkQ: 73 %

7- Ñi;k fiNys foRrh; o"kZ esa vkSj foRrh; o"kZ ds var

f'kdk;rsa cky et+nwj ca/kqvk et+nwj vfuPNk et+nwj ;kSu mRihM+u
esa cky et+nwjh] ca/kqvk et+nwjh] vfuPNk et+nwjh]
;kSu mRihM+u ls lacaf/kr f'kdk;rksa ,oa foRrh; o"kZ
çkIr f'kdk;rksa dh la[;k 'kwU; 'kwU; 'kwU; 'kwU;
ds lekiu ij yafcr f'kdk;rksa dh la[;k n'kkZ,¡A
yafcr f'kdk;rksa dh la[;k 'kwU; 'kwU; 'kwU; 'kwU;

Øa- la- çf'k{k.k ds çdkj çfrHkkfx;ksa dh la-

8- v/kksfyf[kr vkids deZpkfj;ksa dks fiNys o"kZ esa nh
xbZ lqj{kk vkSj dq'kyrk mUu;u izf'k{k.k dk 1- bZ&ikB'kkyk ds ek/;e ls fn;k tk jgk çf'k{k.k 7136
izfr'kr D;k gS \ 2- ?kj ls v‚uykbu çf'k{k.k 18188
3- dk;ZLFky ls v‚uykbu çf'k{k.k 11605
4- osfcukj 20835
5- ckgjh laLFkku ls çf'k{k.k 1443
dqy 59207
*vYidkfyd ?kjsyw lQkbZ dfeZ;ksa ls fHkUu

fl)kar 4 % dkjksckjksa dks lHkh LVsd/kkjdksa] [kkldj oafpr] fiNM+s gq,] ekewyh LVsd/kkjdksa ds fgrksa dk lEeku vkSj j{kk djuh pkfg,A

1- D;k daiuh us vius vkarfjd ,oa ckº; LVsd/kkjdksa dk gka] cSad us vius çeq[k LVsdèkkjdksa] vkarfjd vkSj ckgjh] dh igpku dh gS A
oxhZdj.k fd;k gS \ gk¡ @ ughas vkxs 'ks;j/kkjdksa dks fofo/k oxkZsa esa oxhZÑr fd;k x;k gS vFkkZr % ljdkjh] fons'kh laLFkkxr fuos'kd]
foRrh; laLFkk,a] chek daifu;ka] E;wpqvy QaM~l] cSad vkSj oS;fDrdA

2- mijksDr esa ls] D;k daiuh us oafpr] fiNM+s gq,
vkSj ekewyh LVsd/kkjdksa dh igpku dh gS\
gka] ljdkj vkSj vkjchvkbZ us foÙkh; lekos'ku] çkFkfedrk {ks= vkSj lekt ds oafpr oxksZa dks _.k nsus
ds fy, dqN fn'kkfunZs'k vkSj y{; fuèkkZfjr fd, gSaA
bafM;u cSad us oafpr] fiNM+s vkSj ekewyh LVsd/kkjdksa dh igpku dh gS] ftuesa NksVs vkSj ekewyh fdlku]
fdjk;snkj o iêsnkj fdlku] Hkwfejfgr etnwj ,oa xzkeh.k efgykvksa dks 'kkfey fd;k x;k gSA mudks
fdlku ØsfMV dkMZ] —f"k tsoj _.k] Lo;a lgk;rk lewg] la;qDr ns;rk lewg] eqnzk _.k vkfn fo'ks"k
_.k lqfo/kk,a iznku dh tkrh gSaA

- 36 -
 3- D;k daiuh }kjk oafpr] fiNM+s gq, vkSj ekewyh l bafM;u cSad ih,etsMhokbZ ds rgr cpr cSad [kkrs okys vkfFkZd :i ls fiNM+s yksxksa dks cSafdax
LVsd/kkjdksa ds fgr esa fo'ks"k igy dh xbZ gS\ ;fn lqfo/kk,a çnku djrk gSA mUgsa [kkrk [kksyus ds le; ih,etsMhokbZ dk;ZØe ds fy, chek bu&fcYV
,slk gS rks mldk fooj.k 50 'kCnksa esa nsaA dojst ds lkFk #is dkMZ çnku fd, tkrs gSaA blds vykok] ik= xzkgd bl ;kstuk ds rgr
ih,etstschokbZ ¼thou chek½ vkSj ih,e,lchokbZ ¼nq?kZVuk chek½ vkSj ,ihokbZ isa'ku lqfo/kk ds
varxZr doj fd, tkrs gSaA
l cSad xjhch js[kk ls uhps ¼chih,y½ Js.kh ds csjkstxkj ;qokvksa dks baM&lsVh ¼bafM;u cSad Lojkstxkj
çf'k{k.k laLFkku½ ds ek/;e ls Lojkstxkj çf'k{k.k çnku dj jgk gSA ,Q,ylh ¼foÙkh; lk{kjrk
dsaæ½ vkSj lh,Q,y ¼foÙkh; lk{kjrk dsaæ½ ds ek/;e ls foÙkh; lk{kjrk vkSj ijke'kZ Hkh çnku fd,
tkrs gSaA xfrfof/k;ksa dks ^xzkeh.k fodkl gsrq bafM;u cSad VªLV*¼vkbZchVhvkjMh½ ds rRoko/kku esa
pyk;k tkrk gSA
l cSad bafM;u cSad ,lksfl,'ku ¼vkbZch,½ ds rRoko/kku esa ih,lch ,yk;al MksjLVsi cSafdax ¼Mh,lch½
ds ek/;e ls xzkgdksa ds njokts ij 15 cqfu;knh cSafdax lsok,a Hkh çnku dj jgk gSA

fl)kar 5 % dkjksckj dks ekuo vf/kdkj dk lEeku djuk vkSj mUgsa c<+kok nsuk pkfg,A
1- D;k ekuo vf/kdkj ij daiuh dh uhfr flQZ daiuh dks gk¡
doj djrh gS ;k lewg@ la;qDr
miØe@vkiwfrZdrkZ@lafonkdkj@ ,uthvks @ vU; Ÿ cSad ds ikl dksbZ vyx ekuo vf/kdkj uhfr ugha gSaA rFkkfi ;s igyw cSad dh ekuo lalk/ku uhfr
rd Hkh foLrkfjr gS \ vkSj O;ogkj ds rgr doj fd, x, gSaA

2- fiNys foRrh; o"kZ esa fdruh LVsd/kkjd f'kdk;rsa çkIr gqbZ fooj.k xzkgd 'ks;j/kkjd
gSa vkSj izca/ku }kjk fdrus çfr'kr dk larks"ktud gy
fd;k x;k Fkk\ o"kZ ds çkjEHk esa yafcr f'kdk;rksa dh la[;k 11834 0

o"kZ ds nkSjku çkIr f'kdk;rksa dh la[;k 254183 77

o"kZ ds nkSjku fuiVk;h xbZ f'kdk;rksa dh la[;k 264429 76

o"kZ ds nkSjku yafcr f'kdk;rksa dh la[;k 1588 1

fuiVk;h xbZ f'kdk;rksa dk çfr'kr 99.4% 98.70%

fl)kar 6 % dkjksckj dks i;kZoj.k dk lEeku] lqj{kk vkSj mls iqu% LFkkfir djus dh dksf'k'k djuh pkfg,
1- D;k fl)kar 6 flQZ daiuh dks doj djrh gS ;k lewg @ gk¡
la;qDr miØe @ vkiwfrZdrkZ@ lafonkdkj @ ,uthvks
@ vU; rd Hkh foLrkfjr gSA

2- D;k daiuh ds ikl oSf“od i;kZoj.k eqn~nksa tSls ekSle l çeq[k {ks=ksa esa cxhps@xzhu LiksV~l cuk, x, gSaA
ifjorZu] oSf“od rki bR;kfn ds fo"k; esa
j.kuhfr;ka@igy gSa\ gk¡@ughaA ;fn gk¡ rks oscist ds l cSad us gfj;kyh vkSj Xykscy okfeZax dks è;ku esa j[kdj iwjs Hkkjr esa ikSèkk jksi.k fd;k gSA
fy, gk;ijfyad nsaA
3- D;k daiuh laHkkO; i;kZoj.kh; tksf[ke dh igpku vkSj gk¡
vkdyu djrh gS \ gk¡ @ ugha
4- D;k daiuh ds ikl LoPN fodkl Á.kkyh ls lacaf/kr dksbZ tSlk fd dkjksckj dh izÑfr ds ckjs esa crk;k tk pqdk gS] cSad ds ikl dksbZ LoPN fodkl
ifj;kstuk gS\ ;fn gk¡ rks bldk C;kSjk yxHkx 50 'kCnksa esa Á.kkyh ugha gSA
nasA ;fn gk¡ rks D;k dksbZ i;kZoj.kh; vuqikyu ntZ fd;k
x;k gS\

- 37 -
 5- D;k daiuh us LoPN rduhdh] mtkZ n{krk] uohdj.kh;
mtkZ bR;kfn ij dksbZ vU; dne mBk;k gS] gk¡ @ ugha]
;fn gk¡] rks Ñi;k oscist ds fy, gk;ijfyad nsaA
6- foRrh; o"kZ gsrq lhihlhch @ ,lihlhch }kjk vuqer dh xbZ
lhek ds varxZr daiuh us ftruk Hkh mRltZu @ dpjk
mRikfnr fd;k gS]a D;k mudh fjiksVZ dh tk jgh gS\
7- foRrh; o"kZ ds var esa lhihlhch @ ,lihlhch ls izkIr ¼tSls
larfq "V gksus rd gy ugha dh xbZ½ dkj.k crkvks@fof/kd
uskfVl tks yafcr gS]a dh la[;k fdruh gS\
fl)kar 7 % tc dkjksckj turk vkSj fu;ked uhfr dks ÁHkkfor djrs gSa] os bUgsa ftEesnkjhiwoZd fuHkk,¡A
1- D;k vkidh daiuh fdlh VªsM vkSj pSacj ;k la?k dh
lnL; gS\ ;fn gk¡] rks muesa ls izeq[k ds uke
crk, ftuds lkFk vkidk O;kikj gksrk gSA
2- D;k vkius tufgr dh izxfr ;k lq/kkj gsrq
mijksDr la?kksa dk leFkZu fd;k gS\ gk¡@ugha %
;fn gk¡ rks O;kid {ks= dk fooj.k nsaA ¼MªkWi ckDl%
'kklu vkSj iz'kklu] vkfFkZd lq/kkj] lekos'kh
fodkl uhfr] ÅtkZ lqj{kk] ikuh] [kk| lqj{kk
la/kkj.kh; O;olk; fl)kar vU;½
gk¡
ifjlj
l gfjr igy ds :i esa] foØsrkvksa] vkiwfrZdrkZvksa vkfn ds lHkh Hkqxrku bysDVªkWfud pSuyksa ds
ek/;e ls fd, tkrs gSa tSls fd izR;{k ØsfMV @ ,ubZ,QVh @ vkjVhth,l ¼dsoy vlk/kkj.k
ifjfLFkfr;ksa esa psd ds ek/;e ls Hkqxrku fd;k tkrk gS½
l cSad ds vius futh ifjlj esa lkSj ÅtkZ vkSj ,ybZMh ykbVksa dk mi;ksx
l cSad] Hkkjr esa 250 laifRr;ksa vkSj flaxkiqj esa 2 laifRr;ksa dk ekfyd gSA
l cSad us ifjlj ds O;;] [kjhn vuqca/k] eqnz.k ,oa LVs'kujh] ,;j daMh'kfuax] nwjHkk"k@lsy Qksu
ds fy, ,d :i vkWVkseksckbYl uhfr;ksa dks viuk;k gS vkSj lHkh 'kk[kkvksa@vapyksa esa Hkh bls
leku :i ls viuk;k x;k gSA
gfjr igy %
,- lkSj ÅtkZ vkSj ,ybZMh ykbfVax
l dkiksZjsV dk;kZy; esa lkSj ÅtkZ dk mi;ksx] ;g igys ls gh xzhu fcfYMax ¼Lo.kZ jsfVax Lrj½ ds
rgr miyC/k gSA lkoZtfud {ks= ds cSad gksus ds ukrs ÅtkZ ds oSdfYid lzksrksa dks viukdj]
cSad us xzhu bafM;k cukus ds fy, vU; miØeksa ds lkFk feydj lg;ksx fn;k gSA
l ÅtkZ dh [kir esa] okf"kZd lexz O;; dks yxHkx 4 ls 5 izfr'kr de djus gsrq cSad ds vius
futh Hkouksa esa] tgk¡ Hkh rduhdh :i ls laHko gks] ogk¡¡ lkSj ÅtkZ dk foLrkj fd;k tk jgk gSA
l vkarfjd ykbfVax iz.kkfy;ksa esa ,ybZMh ySai dk mi;ksx djds ykbfVax iz.kkfy;ksa esa u,
rduhdh mRiknksa dks viukuk
l ubZ 'kk[kkvksa esas dsoy ,ybZMh ykbV dk iz;ksx fd;k tkrk gSA
l ekStwnk 'kk[kkvksa esa çdk'k O;oLFkk dks pj.kc) rjhds ls cnyk tk jgk gSA orZeku esa 4975
'kk[kkvksa rFkk 202 dk;kZy;ksa esa ,ybZMh ykbfVax dh O;oLFkk gSA
vU; gfjr igy
l 'kk[kkvksa vkSj dk;kZy;ksa esa le;&le; ij ÅtkZ ys[kkijh{kk djuk A
l 'kk[kkvksa ,oa dk;kZy;ksa esa LFkkfir ,;j daMh'kuj ds vkWVks dV&vkWQ ds fy, Vkbej dk
izko/kku] gkeksZfud fQYVjksa dks yxkus vkSj LVkj jsVsM fon~;qr midj.kksa ds mi;ksx lss fctyh
dh [kir esa dkQh
ykxw ugha
'kwU;
gk¡
vkbZch,] ,uvkbZch,e] vkbZvkbZch,Q] vkbZchih,l
cSad us le;&le; ij cSafdax m|ksx ds lrr fodkl gsrq uhfr fuekZrkvksa vkSj uhfr fuèkkZj.k la?kksa dh
uhfr;ksa dk leFkZu fd;k gSA
- 38 -
fl)kar 8 % dkjksckj dks lekos'kh fodkl vkSj U;k;ksfpr fodkl dk leFkZu djuk pkfg,

1- D;k daiuh uss fl)kar 8 ls lacaf/kr uhfr ds l 31-03-2022 dks cSad esa ih,etsMhokbZ [kkrk/kkjdksa dh la[;k 1-85 djksM+ gSA mudh ,lch tek jkf'k #-
vuqlj.k esa dk;ZØe @ igy @ ifj;kstuk,a 7]608-65 djksM+ #i;s gS tksfd vkSlru çfr [kkrk #- 4]111@& gSA dqy ih,etsMhokbZ [kkrksa esa] dqy
fufnZ"V dh gS\ ;fn gk¡] rks mldk C;kSjk nhft, 56% ih,etsMhokbZ ykHkkFkhZ efgyk,a gSaA
l 2-72 yk[k ih,etsMhokbZ [kkrk/kkjdksa dks 28-83 djksM+ #i;s dh vksojMªk¶V lqfo/kk,a Hkh çnku dh xbZ
gSaA
l cSad us 31-03-2022 rd 9]657 chlh ds usr`Ro okys cSafdax vkmVysV LFkkfir fd, gSaA
l lw{e chek ;kstukvksa ds varxZr ih,etstschokbZ vkSj ih,e,lchokbZ gsrq Øe'k% 30-24 yk[k vkSj 80-14
yk[k xzkgdksa dk ukekadu fd;k x;k gSA 24-96 yk[k xzkgdksa dks mudh isa'ku lqfo/kkvksa ds fy,
lw{e&isa'ku ;kstuk vFkkZr ,ihokbZ ds rgr ukekafdr fd;k x;k gSA
l Hkkjr Hkj esa QSys 37 baM&lsVh us LFkkiuk ds ckn ls lap;h :i ls ekpZ 2022 rd 7]911 cSpksa ds ek/;e
ls 2]20]312 O;fä;ksa dks Lo&jkstxkj çf'k{k.k çnku fd;k gSA o"kZ 2021&22 ds nkSjku 19]331
O;fä;ksa dks ykHkkfUor djus ds fy, 721 çf'k{k.k dk;ZØe vk;ksftr fd, x,A
l ns'k Hkj esa 42 dsaæksa ij bafM;u cSad ds ,Q,ylh gSa ftuesa ls foÙkh; lekos'ku ds rgr cSad us igy
djrs gq, çoklh Jfedksa vkSj >qXxhokfl;ksa ds ykHk ds fy, psUuS] fnYyh {ks= vkSj eqacbZ esa 'kgjh foÙkh;
lk{kjrk dsaæ LFkkfir fd, x, gSaA bu 42 ,Q,ylh ds ek/;e ls dqy 10-77 yk[k O;fä;ksa dks foÙkh;
ijke'kZ çnku fd;k x;k gSA foÙk o"kZ 2021&22 ds nkSjku 2]074 lk{kjrk f'kfoj vk;ksftr fd, x,]
ftlesa 92]280 çfrHkkfx;ksa us Hkkx fy;kA

2- D;k bu&gkml Vhe @ Lo;a ds laLFkku @ ckg+; cSad us esllZ MCY;wMCY;wch ¼efgyk fo'o cSafdax½] ,d xSj ljdkjh laxBu tks efgykvksa ij /;ku dsafær
,uthvks @ ljdkjh ljapukvksa @ vU; laxBuksa djrs gq, ih,etsMhokbZ [kkrk/kkjdksa dh cpr dks lfØ; djus ,oa ,lch vksojMªk¶V vkSj ,l,l,l
}kjk dk;ZØe @ ifj;kstuk,a 'kq: dh xbZ gSa\ ¼lkekftd lqj{kk ;kstukvksa½ tSlh ih,etsMhokbZ ls lacaf/kr vU; lsokvksa dk foLrkj djus ds fy, gS] ds
lg;ksx ls foÙkh; lekos'ku ik;yV igy vFkkZr laiw.kZ ifj;kstuk ds dk;kZUo;u dks vafre :i ns fn;k gSA
;g ifj;kstuk vçSy] 2022 ls fØ;kfUor dh xbZA
3- D;k vkius viuh igy ds izHkko dk dksbZ fuèkkZj.k baMlsfV;ksa dk vlj rFkk izHkko'khyrk dks ekfuVj djus gsrq vkjlsfV;ksa ds fy, ekfuVfjax lsy }kjk okf"kZd
fd;k gS \ xzsfMax ds vk/kkj ij ekfuVj fd;k tkrk gS rkfd mfpr izfrfØ;k feysa vkSj vkxs baMlsfV;ksa dks lqn`<+ cukus
ds fd, dne mBk;s tk ldsA
4- vkidh daiuh dk leqnk; fodkl ifj;kstuk esa cSad baMlsVh vkSj ,Q,ylh ds ek/;e ls Lojkstxkj vkSj lkeqnkf;d fodkl xfrfof/k;ksa ds fy, VªLV
izR;{k :Ik ls D;k ;ksxnku gSA Hkkjrh; eqnzk esa jkf'k ¼vkbZchVhvkjMh½ dks ;ksxnku ns jgk gSA
vkSj pykbZ tk jgh ifj;kstukvks ds fooj.k nsaA

5- D;k vkius ;g lqfuf'pr djus ds fy, vko';d
dne mBk,a gSa fd leqnk;ksa }kjk vkids Á;klksa dks
lQyrkiwoZd viuk;k x;k gS\ vxj ,slk gS rks
Ñi;k 50 'kCnksa esa crk,aA
tks yksx viuh iM+kslh cSad 'kk[kkvksa ls cSad _.k ysus ds bPNqd gSa] mUgsa cSad foÙk ds lkFk&lkFk Lojkstxkj
çf'k{k.k çnku djus ls lkeqnkf;d fodkl esa enn fey jgh gSA bu ç;klksa ds ek/;e ls O;kikj] lsok vkSj
NksVs iSekus ds vkS|ksfxd m|e mRiUu gksrs gSa vkSj çf'kf{kr O;fä;ksa dks vkRefuHkZj cukus esa l{ke gksrs gSaA
31-03-2022 rd baMlsVh }kjk çf'kf{kr mEehnokjksa dh lsVyesaV nj 69-70 Áfr“kr gS] ftuesa ls 47-60
Áfr“kr ØsfMV fyaDM gSaA

6- D;k daiuh }kjk oafpr] detksj vkSj gkf'k, ds
fgr/kkjdksa dk lg;ksx djus ds fy, dksbZ fo'ks"k
igy dh xbZ gSA ;fn gka] rks mldk fooj.k yxHkx
50 'kCnksa esa nsaA
l cSad] çfrfnu xzkgdksa ds njokts ij cSafdax lsok,a miyC/k djokus ds fy, chlh rSukr djrk gSA
l fofHkUu {ks=ksa esa dksfoM&19 egkekjh] ck<+ dh fLFkfr vkfn tSlh ladV fLFkfr;ksa ds nkSjku chlh us
xzkgdksa ds njokts ij lsok,¡ miyC/k djokus esa egRoiw.kZ Hkwfedk fuHkkbZA
l chlh dks cSad }kjk ih,etschokbZ] ih,e,lchokbZ dh thou vkSj nq?kZVuk ;kstukvksa ds rgr eq¶r
ykxr chek dojst Hkh fn;k x;k FkkA mUgsa cSad }kjk LoPNrk lkexzh] Qsl ekLd vkSj dksfoM
Vhdkdj.k ds fy, çfriwfrZ ykxr Hkh çnku dh xbZ gSA
l rfeyukMq jkT; esa gekjk cSad chlh usVodZ ds ek/;e ls ykHkkfFkZ;ksa dks o`)koLFkk isa'ku ¼vks,ih½ jkf'k
forfjr dj jgk gSA
l fdlkuksa dks MhchVh ykHk tSls] ih,e fdlku ¼#- 6000@& çfr o"kZ½ lqfo/kk chlh ds ek/;e ls 3
voljksa ij] #- 2000@& çfr volj] forfjr fd, tkrs gSaA dksfoM 19 egkekjh ds nkSjku]
ih,etsMhokbZ [kkrk/kkjd lHkh O;fäxr ,l,pth lnL; dks dsaæ ljdkj }kjk ,d ckjxh mik; ds
rkSj ij #- 500@& dh vuqxzg jkf'k çnku dh xbZ FkhA ;g jkf'k mUgsa chlh ds ek/;e ls forfjr dh
xbZ FkhA

- 39 -
vuq"kafx;k¡ ¼tek,¡ #- 17093-28 djksM+ vkSj vfxze #- 17617-83 djksM½A

l cSad dh nks vuq"kafx;k¡ gSaA buds uke baMcSad epsZaV cSafdax lfoZlst+ fy- vkSj
baMcSad gkmflax fyfeVsM gsSA
{ks=h; xzkeh.k cSad
l cSad ds rhu izk;ksftr {ks=h; xzkeh.k cSad] ;Fkk lIrfxfj xzkeh.k cSad
ftldk eq[;ky; fpRrwj ¼vka/kz izns“k½ esa gS] rfeyukMq xzkek cSad ftldk
eq[;ky; lsye ¼rfeyukMq½ esa gS vkSj iqnqoS Hkkjfr;kj xzke cSad ftldk
eq[;ky; iqnqPpsjh ¼iqnqPpsjh la?k jkT; {ks=½ esa gSA
l 44 “kk[kkvksa ds lkFk iqnqoS Hkkjfr;kj xzkek cSad dk dqy dkjksckj #- 1956-
62 djksM+ jgkA
¼tek,¡ #- 1023-60 djksM+ vkSj vfxze #- 933-02 djksM+½A
l rfeyukMq xzkek cSad ds ikl 12-74 Áfr“kr lhvkj,vkj] lIrfxfj xzkeh.k
cSad ds ikl 15-18 Áfr“kr lhvkj,vkj vkSj iqnqoS Hkkjfr;kj xzke cSad ds
ikl 10-57 Áfr“kr lhvkj,vkj gS A
l Rkhuksa {ks=h; xzkeh.k cSad] ykHk dek jgs gSaA

l foRrh; o"kZ 2021&22 ds nkSjku {ks=h; xzkeh.k cSadksa ds “kk[kk ra= esa 8
“kk[kkvksa dh c<+ksrjh gqbZ rFkk ;g ekpZ 2022 esa 909 ls c<+dj 917 gks x;kA
l rhuksa {ks=h; xzkeh.k cSadksa dk dqy dkjksckj ekpZ 2021 dks #- 47743-78
djksM+ ds lkis{k ekpZ 2022 dks #- 54120-95 djksM+ jgkA
l 229 “kk[kkvksa ds lkFk lIrfxfj xzkeh.k cSad dk dqy dkjksckj #- 17453-22
djksM+ jgkA ¼tek,¡ #- 9106-53 djksM+ vkSj vfxze #- 8346-69 djksM½A
l {ks=h; xzkeh.k cSad lfØ; :Ik ls Hkkjr ljdkj ds ih,etsMhokbZ]
ih,etstschokbZ] ih,e,lchokbZ vkSj ,ihokbZ dk;ZØeksa esa Hkkx ys jgsa gSaA
rhukssa {ks=h; xzkeh.k cSad ih,etsMhokbZ ds varxZr 1210 ,l,l, xk¡oksa dks
doj dj jgs gSa vkSj mUgksaus bl ;kstuk ds varxZr 10-05 yk[k [kkrs [kksys
gSaA rhuksa {ks=h; xzkeh.k cSadksa us ih,e,lchokbZ ds varxZr 9-63 yk[k
ykHkkfFkZ;ksa dks] ih,etstschokbZ ds varxZr 4-93 yk[k ykHkkfFkZ;ksa dks vkSj
,ihokbZ ds varxZr 1-59 yk[k ykHkkfFkZ;ksa dks doj fd;k gSA

l 644 “kk[kkvksa ds lkFk rfeyukMq xzkek cSad dk dqy dkjksckj #- 34711-11

djksM+ jgkA

fl)kar 9 % dkjskckjksa }kjk vius xzkgdksa ,oa miHkksDrkvksa dks ftEesnkjhiwoZd ewY;o/kZu ds lkFk lsok,a iznku dh tkuh pkfg,A
1- foRrh; o"kZ ds var esa yafcr f'kdk;rsa@ xzkgd 0-60 Áfr“kr
ekeyksa dk çfr'kr fdruk gS\

2- D;k daiuh ds }kjk LFkkuh; dkuwu ds rgr mRikn gk¡

ds yscy ij mRikn dh tkudkjh fy[kh gksrh gSa\
gk¡ @ ugha @ ykxw ugha @ fVIi.kh ¼vfrfjDr
tkudkjh½

3- xr ikap o"kksZa esa vuqfpr O;kikj i)fr;ksa ds Á;ksx] ugha

xSj ftEesnkj foKkiuksa vkSj@;k xSj ÁfrLi/khZ
O;ogkj ds fy,] D;k fdlh LVsd /kkjd us daiuh ds
fo#) dksbZ okn nk;j fd;k gS tksfd foRrh; o"kZ
ds var esa yafcr gS\ ;fn gk¡] rks mlds fooj.k nsaA

4- D;k vkidh daiuh }kjk xzkgd losZ{k.k@xzkgd gk¡A cSad us o"kZ ds nkSjku xzkgd larqf"V losZ fd;k FkkA losZ esa 79-84 Áfr“kr cSad }kjk miyC/k djokbZ
larqf"V #>ku dk;ZØe pyk, tkrs gSa \ tkus okyh lsokvksa ij larqf"V O;Dr dh FkhA 84-77 Áfr“kr xzkgdksa us crk;k fd cSad mudh vis{kkvksa dks
iwjk dj jgk gSA

- 40 -
 dkWiksZjsV vfHk'kklu ij fjiksVZ
1. dkWiksZjsV vfHk'kklu /kkj.kk %
dkiksZjsV vfHk'kklu vius vki esa ,d ,slh çfØ;k gS ftlds tfj, miØeksa
dks fu;af=r ,oa ekxZnf'kZr fd;k tkrk gS rkfd uSfrd <ax ls mudh
/ku&l`tu dh {kerk dks c<k;k tk ldsA ;g çca/ku] mlds cksMZ]
'ks;j/kkjd vkSj vU; LVsd/kkjdksa ds chp mRçsjd dh Hkwfedk fuHkkrk gS
rkfd laxBu ds fu/kkZfjr mís'; gkfly fd, tk ldas vkSj lkFk gh fu"iknu
ij fuxjkuh j[kus ds vykok 'ks;j/kkjdksa ds /ku dks /kkj.kh; rjhds ls
vf/kdkf/kd cukus ds vafre y{; ds lkFk ml {ks= ds dkuwuksa dk vuqikyu
djrs gq, vius nSuafnu ds dkjksckj dks vR;ar l{ke] ikjn'khZ ,oa uSfrd :i
ls lapkfyr fd;k tk ldsA ;g ,d ,slh çfØ;k dk çorZu gS ftlls ewY;]
fl)kUr] uhfr;ka vkSj çfØ;k,¡¡ vR;f/kd çHkkodkjh <ax ls flLVe esa
varfuZfgr ,oa çdV djk, tkrs gSaA
Js"Brk gkfly djus ds fy, cSad] dkiksZjsV vfHk'kklu ds loksZPp Lrj rd
igqapus ds fy, ç;kljr gS vkSj vius mRrjnkf;Ro] tks lHkh LVsd/kkjdksa ds
fy, ewY; dks vkilh laokn] vknj] Li"V y{; vkSj fu.kZ;kRed usr`Ro ds
tfj, c<kus ds fy, ç;Ru djrs le; uSfrd O;ogkj ds çfr çfrc)rk ij
vk/kkfjr gS] ds fy, izfrc) gSA cSad Lo;a dks lHkh LVsd/kkjdksa dk U;klh
ekurk gS vkSj lq–< dkWiksZjsV j.kuhfr;ksa] lfØ; dkjksckj ;kstukvksa] uhfr;ksa
,oa dk;ZÁ.kkfy;ksa ds ek/;e ls ÁkIr fd muds /ku dk l`tu ,oa j{k.k dj
uhfrijd ,oa fof/kd ftEesnkfj;ksa ds çfr vius mRrjnkf;Ro dks
vfHkLoh—r djrk gSA vfHk'kklu ekudksa ds vuqikyu ds fy, mPpLrjh;
çdVhdj.k uhfr ds lkFk ykHkdj lao`f) l`ftr djus gsrq cSad ds dkWiksZjsV
vfHk'kklu fl)kar lq–< :i ls dfVc) gSaA
2. funs'kd eaMy
2.1 funs'kd eaMy dk xBu cSafdax fofu;e vf/kfu;e 1949] cSafdax daiuh
¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e 1970 rFkk jk"Vªh;—r cSad
¼çca/ku ,oa çdh.kZ çko/kku½ ;kstuk 1970 }kjk 'kkflr gksrk gSA funs'kdx.k
cksMZ dks fuiq.krk dh oSfo/;rk rFkk foLr`r vuqHko çnku djrs gSa ftlls
cSad dks n{k ,oa fu"i{k funs'k çkIr gksrk gSA
v/;{k ,oa çca/k funs'kd ,oa rhu dk;Zikyd funs'kd Hkkjr ljdkj }kjk
fu;qä iw.kZdkfyd funs'kd gSaA funs'kd e.My dk xBu cSafdax fofu;e
vf/kfu;e 1949] cSafdax daiuh ¼miØeksa dk vtZu ,oa varj.k½ vf/kfu;e
1970 dh /kkjk 9 ¼3½ ds varxZr çko/kkuksa ds vuqlkj fd;k tkrk gSA cSafdax
fofu;e vf/kfu;e 1949] cSafdax daiuh ¼miØeksa dk vtZu ,oa varj.k½
vf/kfu;e 1970 ds vuqlkj funs'kd] 'ks;j/kkjd funs'kd ¼ftlds 3 ekeys
gekjs cSad esa Hkh gSa½ ds brj] dks Hkkjr ljdkj }kjk ukekafdr@fu;qä fd;k
tkrk gSA
- 41 -
2.2 cksMZ dh lfefr;k¡ %
cksMZ us fuEukuqlkj fofHkUu lfefr;ksa dk xBu fd;k gS tks fd cSad ds
ekeyksa esa leqfpr fn'kkfunsZ'k dkjxj ekfuVfjax vkSj fu;a=.k gsrq cSad ds
dqN egRoiw.kZ dk;kZRed {ks=ksa esa fo'ks"k ,oa ladsfUær xousaZl çnku djrh gSa %
Ÿ cksMZ dh çca/ku lfefr ¼,elhch½
Ÿ cksMZ dh ys[kkijh{kk lfefr ¼,lhch½
Ÿ tksf[ke çca/ku lfefr ¼vkj,elh½
Ÿ vkbZVh j.kuhfr lfefr ¼vkbZVhlfefr½
Ÿ xzkgd lsok lfefr ¼lh,llh½
Ÿ funs'kdksa dh lfefr ¼lrdZrk½ ¼lhvksMh@fot½
Ÿ fo'ks"k lfefr ¼cM+s ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq½
¼,llh,e,yoh,Q½
Ÿ 'ks;j varj.k lfefr ¼,lVhlh½
Ÿ LVsd/kkjd laidZ lfefr ¼,lvkjlh½
Ÿ ,pvkj lfefr ¼,pvkj lfefr½
Ÿ olwyh dh ekWfuVfjax gsrq lfefr ¼lh,evkj½
Ÿ vuq'kklukRed ekeyksa laca/kh cksMZ Lrjh; vihy lfefr ¼ch,lhMhlh½
Ÿ bjknru pwddrkZvksa gsrq leh{kk lfefr ¼vkjlhMCY;w;wMh½
Ÿ xSj&lg;ksxh m/kkjdrkZvksa gsrq leh{kk lfefr ¼vkjlh,ulhch½
Ÿ _.k vuqeksnu lfefr ¼lh,lh½
Ÿ ukekadu ,oa ikfjJfed lfefr ¼,uvkjlh½
Ÿ dk;Zfu"iknu ewY;kadu laca/kh cksMZ Lrjh; lfefr ¼chlhihbZ½
2.3 cksMZ ds nkf;Roksa esa uhfr;ksa dk fu/kkZj.k] dkWiksZjsV j.kuhfr] ubZ igy]
dk;Zfu"iknu leh{kk rFkk fu;a=.k ,oa cSad ds fofHkUu dk;kZf/kdkfj;ksa dks
çR;k;ksftr vf/kdkjksa ds ckgj iM+us okys ekeyksa dh laLoh—fr 'kkfey gSA
cksMZ us fofHkUu lfefr;ksa dk xBu fd;k gS rFkk fofHkUu dk;kZRed {ks=ksa esa
vf/kdkjksa dk çR;k;kstu fd;k gSA
2.4 cksMZ rFkk mldh lfefr;k¡ vkof/kd varjkyksa ij cSBdsa djrh gSa vkSj cSad dks
blds mís';ksa dks foosdiw.kZ ,oa dkjxj <ax ls çkIr djus gsrq ekxn'kZu nsrh
gSa ftlls uSfrd ifjikfV;ksa vkSj O;kolkf;d çca/ku ds ek/;e ls
dk;Zfu"iknu dk mPp ekud lqfuf'pr fd;k tk ldsA
2.5 31-03-2022 dks ;FkkfLFkfr funs'kd eaMy dk xBu fuEuor gS %

Øe fu;qfä@
uke inuke cSad dh cksMZ Lrjh; cSad ls brj daifu;ksa@ /kkfjr 'ks;j
la- ukekadu dh
lfefr;ksa esa lnL;rk laLFkkvksa esa funs'kd dh la[;k
frfFk
1 Jh ,l ,y tSu izca/k funs'kd 01.09.2021 1- çca/ku lfefr ;wfuolZy lksEiks tujy 695
bU';qjsal daiuh fyfeVsM
,oa lhbZvks 2- xzkgd lsok lfefr
3- tksf[ke çca/ku lfefr
4- funs'kdksa dh lfefr ¼lrdZrk½
5- fo'ks"k lfefr ¼cM+s ewY; dh
/kks[kk/kfM+;ksa dks ekWuhVj djus
gsrq½
6- vkbZVh j.kuhfr lfefr
7- ,pvkj lfefr
8- olwyh dh ekWfuVfjax gsrq lfefr
9- bjknru pwddrkZvksa dh leh{kk
lfefr
10- xSj&lg;ksxh m/kkjdrkZvksa gsrq
leh{kk lfefr
11- _.k vuqeksnu lfefr

;wfuolZy lksEiks tujy

2 Jh oh oh 'ks.kkW; dk;Zikyd funs'kd 01.12.2018 1- çca/ku lfefr 5000
bU';wjsal daiuh fyfeVsM
2- xzkgd lsok lfefr

3- funs'kdksa dh lfefr ¼lrdZrk½

4- fo'ks"k lfefr ¼cM+s ewY; dh

/kks[kk/kfM+;ksa dks ekWuhVj
djus gsrq½

5- vkbZVh j.kuhfr lfefr

6- LVsd/kkjd laidZ lfefr

7- 'ks;j varj.k lfefr ¼v/;{k½

8- ,pvkj lfefr

9- olwyh fuxjkuh dh lfefr

10- _.k vuqeksnu lfefr

- 42 -
Øe fu;qfä@
uke inuke cSad dh cksMZ Lrjh; cSad ls brj daifu;ksa@ /kkfjr 'ks;j
la- ukekadu dh
lfefr;ksa esa lnL;rk laLFkkvksa esa funs'kd dh la[;k
frfFk
3 Jh bejku vehu dk;Zikyd 10.03.2021 1- çca/ku lfefr 1- baMcSad gkmflax fyfeVsM 695
fln~nhdh funs'kd 2- xzkgd lsok lfefr 2- baMcSad epsZaV cSafdax lsok,a
3- funs'kdksa dh lfefr ¼lrdZrk½ fyfeVsM

4- fo'ks"k lfefr ¼cM+s ewY; dh 3- Hkjrh; jk"Vªh; Hkqxrku

/kks[kk/kfM+;ksa dks ekWuhVj fuxe
djus gsrq½
5- vkbZVh j.kuhfr lfefr
6- LVsd/kkjd laidZ lfefr
7- 'ks;j varj.k lfefr
8- ,pvkj lfefr
9- olwyh dh ekWfuVfjax gsrq
lfefr
10- _.k vuqeksnu lfefr

4 Jh v'ouh dqekj dk;Zikyd 21.10.2021 1- çca/ku lfefr -

'kwU;
funs'kd 2- xzkgd lsok lfefr
3- tksf[ke çca/ku lfefr
4- funs'kdksa dh lfefr ¼lrdZrk½
5- fo'ks"k lfefr ¼cM+s ewY; dh
/kks[kk/kfM+;ksa dks ekWuhVj
djus gsrq½
6- vkbZVh j.kuhfr lfefr
7- LVsd/kkjd laidZ lfefr
8- 'ks;j varj.k lfefr
9- ,pvkj lfefr
10- olwyh dh ekWfuVfjax gsrq
lfefr
11- _.k vuqeksnu lfefr

5 Jh latho dkSf'kd ljdkj ukfer 24.01.2020 1- tksf[ke çca/ku lfefr - 'kwU;

funs'kd 2- funs'kdksa dh lfefr ¼lrdZrk½
3- fo'ks"k lfefr ¼cM+s ewY; dh
/kks[kk/kfM+;ksa dks ekWuhVj djus
gsrq½
4- vkbZVh j.kuhfr lfefr

5- ,pvkj lfefr

6- olwyh dh ekWfuVfjax gsrq

lfefr

7- dk;Zfu"iknu ewY;kadu laca/kh

cksMZ Lrjh; lfefr

- 43 -
Øe fu;qfä@
cSad dh cksMZ Lrjh; cSad ls brj daifu;ksa@ /kkfjr 'ks;j
uke inuke ukekadu dh
la- lfefr;ksa esa lnL;rk laLFkkvksa esa funs'kd dh la[;k
frfFk
6 MkW- vkfnR; xsgk vkjchvkbZ ukfer 08.03.2022 1- cksMZ dh çca/ku lfefr - 'kwU;

funs'kd 2- cksMZ dh ys[kkijh{kk lfefr

3- funs'kdksa dh lfefr ¼lrdZrk½

7 Jh ckyeqdqan lgk; va'kdkfyd 1- xzkgd lsok lfefr - 'kwU;

xSj&ljdkjh 21.12.2021 2- tksf[ke çca/ku lfefr

funs'kd 3- fo'ks"k lfefr ¼cM+s ewY; dh

/kks[kk/kfM+;ksa dks ekWuhVj djus
gsrq½

4- LVsd/kkjd laidZ lfefr

¼v/;{k½

5- 'ks;j varj.k lfefr

6- ,pvkj lfefr

7- vuq'kklukRed ekeyksa gsrq cksMZ

Lrjh; vihy lfefr¼v/;{k½

8- cksMZ dh ys[kkijh{kk lfefr

8 Jh fo'os'k dqekj va'kdkfyd 21.12.2021 1- cksMZ dh ys[kkijh{kk lfefr oh th dkWiksjsV eSusteSaV 'kwU;
Ák- fy-
xks;y xSj&ljdkjh 2- tksf[ke çca/ku lfefr

funs'kd 3- vkbZVh j.kuhfr lfefr ¼v/;{k½

4- olwyh dh ekWfuVfjax gsrq lfefr

5- vuq'kklukRed ekeyksa gsrq cksMZ

Lrjh; vihy lfefr

6- xSj&lg;ksxh m/kkjdrkZvksa gsrq

leh{kk lfefr

7- ukekadu ,oa ikfjJfed lfefr

¼v/;{k½

9 M‚- Hkjr —".k 'kadj 'ks;j/kkjd funs'kd 07.02.2021 1- cksMZ dh ys[kkijh{kk lfefr 1- vijkftrk dkWiksjsV 300
¼v/;{k½ lfoZlst izk- fy-

2- fnujke gksfYMaXl izk- fy-

2- ,pvkj lfefr
3- nklk dUlfYVax izk-fy-
3- vkbZVh j.kuhfr lfefr

- 44 -
Øe fu;qfä@
uke inuke cSad dh cksMZ Lrjh; cSad ls brj daifu;ksa@ /kkfjr 'ks;j
la- ukekadu dh
lfefr;ksa esa lnL;rk laLFkkvksa esa funs'kd dh la[;k
frfFk
4- 'ks;j varj.k lfefr 4- vijkftrk Mk;ufed
fluthZt izk- fy-
5- vuq'kklukRed ekeyksa gsrq cksMZ
5- vijkftrk izkWiVhZ 'ksYVj
Lrjh; vihy lfefr
izk- fy-
6- dk;Zfu"iknu ewY;kadu laca/kh
6- vijkftrk ikVZufjax izkxzst
cksMZ Lrjh; lfefr ¼v/;{k½ izk- fy-

7- ukekadu ,oa ikfjJfed lfefr 7- vijkftrk VksVy lksY;w'ku

izk- fy-
8- fo'ks"k lfefr ¼cM+s ewY; dh
8- vijkftrk lkQ~Vos;j
/kks[kk/kfM+;ksa dks ekWuhVj djus
lfoZlst izk- fy-
gsrq½
9- ,MflDl czsuySc izk- fy-
9- bjknru pwddrkZvksa gsrq leh{kk
lfefr

10 lqJh ikfi;k 'ks;j/kkjd 29.10.2021 1- çca/ku lfefr n bUosLVesaV VªLV vkWQ 200
bafM;k fy-
lsuxqIrk funs'kd 2- tksf[ke çca/ku lfefr ¼v/;{k½

3- vkbZVh j.kuhfr lfefr

4- olwyh dh ekWfuVfjax gsrq lfefr

5- vuq'kklukRed ekeyksa gsrq cksMZ

Lrjh; vihy lfefr

6- bjknru pwddrkZvksa gsrq leh{kk

lfefr

7- xSj&lg;ksxh m/kkjdrkZvksa gsrq

leh{kk lfefr

8- ukekadu ,oa ikfjJfed lfefr

dk;Zfu"iknu ewY;kadu laca/kh
cksMZ Lrjh; lfefr

9- dk;Zfu"iknu ewY;kadu laca/kh

cksMZ Lrjh; lfefr

- 45 -
uksV %

(I) cksMZ dk dksbZ Hkh funs'kd 10 ls vf/kd lfefr;ksa vFkkZr ys[kkijh{kk lfefr vkSj LVsd/kkjd laidZ lfefr ds lnL; ugha gS vFkok mu leLr daifu;ksa esa]
ftuds os funs'kd gSa] esa 5 ls vf/kd lfefr;ksa vFkkZr ys[kkijh{kk lfefr vkSj LVsd/kkjd laidZ lfefr ds v/;{k ds :i esa dk;Z ugha djrs gSaA

(II) funs'kdksa ds chp dksbZ ijLij laca/k ugha gSA

(III) funs'kd eaMy foÙkh; o"kZ 2021&22 esa cSad ds O;olk; vkSj lexz dk;Zdykiksa ds fy, mÙkjnk;h vkSj lwphc) laLFkk dh vkSipkfjd vkSj vukSipkfjd
fjiksZfVax lajpuk blds vuq:i gh gSA

(IV) cksMZ dh jk; esa Lora= funs'kd lsch ¼,yvksMhvkj½ fofu;e] 2015 esa fofufnZ"V 'krksZ dks iwjk djrs gSa vkSj çca/ku ls Lora= gSaA

(V) foÙkh; o"kZ 2021&22 ds nkSjku fdlh Hkh Lora= funs'kd }kjk R;kxi= nsus ds ekeys ugha gSaA

2.6 foÙkh; o"kZ 2021&22 ds nkSjku Áca/k funs'kdksa ¼01-09-2021 dks dk;Zxzg.k djus okys½ ,oa cSad ds cksMZ esa fu;qä@ukekafdr fd, x, vkSj in xzg.k djus okys
funs'kdksa ds çksQkby fuEufyf[kr gS %&

2.6.1 Jh ,l ,y tSu] çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh %

Jh ,l ,y tSu us 1 flracj] 2021 dks bafM;u cSad ds çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh ds in ij dk;ZHkkj xzg.k dj fy;k gSA blls iwoZ] os flracj
2018 ls cSad v‚Q cM+kSnk esa dk;Zikyd funs'kd FksA

cSad v‚Q cM+kSnk esa dk;Zikyd funs'kd ds in ij jgrs gq, mUgksaus cSad v‚Q cM+kSnk ds lkFk fot;k cSad ,oa nsuk cSad ds lekesyu esa egRoiw.kZ Hkwfedk fuHkkbZ
gSA os cSad v‚Q cM+kSnk esa yktZ d‚iksZjsV _.k] nckoxzLr vkfLr;ka ,oa varjkZ"Vªh; cSafdax dk çca/ku dj jgs FksA mUgksaus ;qxkaMk] ratkfu;k esa cSad v‚Q cM+kSnk dh
vuq"kafx;ksa vkSj cM+kSnk Xykscy 'ks;MZ lfoZlst ¼chth,l,l½ bR;kfn ds ukfer funs'kd@v/;{k ds :i esa Hkh viuh lsok,¡ çnku dh gSaA

os okf.kT; fo"k; esa LukrdksÙkj gSa] muds ikl lunh ys[kkdkj] daiuh lfpo vkSj lh,vkbZvkbZch dh O;kolkf;d ;ksX;rk gSA mUgksaus o"kZ 1993 esa bykgkckn cSad
esa e/; çca/ku xzsM esa dk;ZHkkj xzg.k fd;k vkSj cSad esa egkçca/kd cusA

egkçca/kd ds :i esa] mUgksaus cSad ds eq[; foÙkh; vf/kdkjh] eq[; tksf[ke vf/kdkjh ,oa vkbZVh foHkkx ds çeq[k ds :i esa viuk ;ksxnku fn;k gSA os vkxjk
vapy dk;kZy; ds çeq[k ds :i esa Hkh viuh lsok,¡ çnku dj pqds gSa vkSj eqEcbZ ds {ks= egkçca/kd¼if'pe½ jgs gSaA blls iwoZ mUgksaus cSad dh vusd 'kk[kkvksa ,oa
ç'kklfud dk;kZy;ksa esa viuh lsok,¡ çnku dh gSaA bykgkckn cSad esa fu;qfä ls iwoZ] mUgksaus fofHkUu vkS|ksfxd laLFkkvksa esa dk;Z fd;k gSA muds ikl yxHkx
28 o"kksaZ dk cSafdax vuqHko vkSj yxHkx 6 o"kksaZ dk vkS|ksfxd {ks= esa dk;Z dk vuqHko gSA

Jh tSu Hkkjrh; cSad la?k dh çca/k lfefr ds lnL; gSa vkSj os d‚iksZjsV _.k laca/kh vkbZch, dh LFkk;h lfefr ds çeq[k Hkh gSaA os ;wfuolZy lksEiks tujy
ba';ksjsal daiuh fyfeVsM ds ukfer funs'kd @ xSj&dk;Zdkjh v/;{k vkSj vkbZvkbZch,e] xqokgkVh ds 'kklh fudk; ds lnL; ds :i esa lsok,a çnku dj jgs gSaA
os vkbZvkjMh,vkbZ dh chek lykgdkj lfefr ds lnL; Hkh gSaA

2.6.2 Jh v'ouh dqekj] dk;Zikyd funs'kd

Jh v'ouh dqekj ,d pkVsZM vdkÅaVsaV] d‚elZ esa LukrdksRrj ,oa bafM;u baLVhVîwV v‚Q cSadlZ ds çekf.kr lnL; Hkh gSaA mUgsa nks n'kdksa ls Hkh vf/kd o"kksaZ dk
cSafdax vuqHko gSA bafM;u cSad esa dk;Zikyd funs'kd ds :i esa inHkkj xzg.k djus ls iwoZ os iatkc uS'kuy cSad ds eqacbZ vapy dk;kZy; esa eq[; egkçca/kd ds
:i esa lsokjr FksA

Jh v'ouh dqekj] lkoZtfud {ks= ds pkj cSadksa] cSad v‚Q cM+kSnk] d‚iksZjs'ku cSad] vkschlh ,oa ih,uch ds dbZ dk;kZy;ksa esa fofHkUu inksa ij dk;Z djrs gq,
lQyrk dh lh<+h;k¡ p<+sA mUgsa gksylsy cSafdax vuqHkkx ,oa dbZ 'kk[kkvksa ¼baMfLVª;y Qkbusal 'kk[kk,¡ o ,ylhch lfgr½ ds çeq[k ds :i esa dk;Z djus dk
vuqHko gSA egkçca/kd ds :i esa] os feM d‚iksZjsV vkSj c`gr d‚iksZjsV ofVZdy dk usr`Ro dj jgs Fks ,oa lh,Qvks Hkh FksA

mUgksaus vkbZvkbZ,e o dkQjky lesr Hkkjr ,oa fons'kksa ds çeq[k laLFkkuksa ds dbZ çf'k{k.k dk;ZØeksa esa Hkkx fy;k gSaA mUgksaus vkbZch, o bx‚u tsà~Mj baVjus'kuy
çkbosV fyfeVsM ds ijke'kZ esa cSad cksMZ C;wjks }kjk vk;ksftr vkbZvkbZ,e cSaxyksj ds yhMjf'ki MsoyiesaV dk;ZØe dks Hkh iw.kZ dj fy;k gSA

2.6.3 MkW- vkfnR; xsgk] Hkkjrh; fjtoZ cSad }kjk ukfer funs'kd

M‚ vkfnR; xsgk bysfDVªdy vkSj bysDVª‚fuDl bathfu;j gSa vkSj chvkbZVh,l] fiykuh ls HkkSfrdh esa Lukrd gSaA mUgksaus fof/k ¼mLekfu;k fo'ofo|ky;]
gSnjkckn ls ,y,ych½ vkSj Qkbusal] dSl fctusl Ldwy] yanu ls ,e-,llh- ¼ fuos'k çca/ku½ esa Hkh fMxzh;ka çkIr dh gSA

- 46 -
 mUgksaus vkbZvkbZVh c‚Ecs ls vFkZ'kkL= esa ih,pMh dh gSA os vkbZvkbZch,Q ds lfVZQkbM ,lksfl,V gSaA os o"kZ 1996 ls Hkkjrh; fjtoZ cSad esa lsok çnku dj jgs gSa
,oa muds ikl Hkqxrku ç.kkyh o lwpuk çkS|ksfxdh] cSafdax o xSj&cSafdax i;Zos{k.k] lkoZtfud _.k] fofue; fu;a=.k rFkk fjtoZ çca/ku ds {ks=ksa esa 25 ls vf/kd
o"kksaZ dk dk;Z vuqHko gSA mUgksaus lkdZ fodkl dks"k ¼fFkEiw½ ds fy, funs'kd ¼foÙk½ ,oa vkbZ,e,Q ¼eq[;ky;] okf'kaxVu Mhlh½ ds fy, ofj"B foÙkh; {ks= fo'ks"kK
ds :i esa Hkh lsok,a nha gSaA orZeku esa] os Hkkjrh; fjtoZ cSad ds dsaæh; dk;kZy;] eqacbZ esa fons'kh fuos'k vkSj ifjpkyu foHkkx ¼MhbZvkbZvks½ ds çeq[k gSaA

2.6.4 lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd

lqJh ikfi;k lsuxqIrk us foKku esa Lukrd ,oa lh,Q, o lh,vkbZvkbZch dh vfrfjä vgZrk mrh.kZ dh gSaA mUgksaus o"kZ 1983 esa ifjoh{kk/khu vf/kdkjh ds :i esa
,lchchts esa dk;Zxzg.k fd;k ,oa ,lchchts] ,lchvkbZ vkSj ,lchih ds dbZ dk;kZy;ksa esa fofHkUu ftEesnkfj;ksa dks laHkkykA lqJh ikfi;k lsuxqIrk fnukad 30-09-
2019 dks cSad v‚Q cM+kSnk ds dk;Zdkjh funs'kd ds :i esa lsokfuo`Ùk gqbZaA os cSad v‚Q cM+kSnk esa dk;Zxzg.k djus ls iwoZ] LVsV cSad v‚Q ifV;kyk ¼,lchih½ esa
vçSy 2016 ls eq[; egkçca/kd ¼[kqnjk cSafdax½ ,oa twu 2015 ls eq[; egkçca/kd ¼rukoxzLr laifÙk çca/ku lewg½ ds in ij lsokjr FkhaA mUgksaus LVsV cSad v‚Q
chdkusj ,aM t;iqj ¼,lchchts½ esa fnYyh usVodZ ds egkçca/kd ds :i esa Hkh lsok çnku dhA

2.6.5 Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd

Jh ckyeqdqan lgk; jkaph fo'ofo|ky; ls okf.kT; esa LukrdksÙkj gSaA os 2001 ls 2004 rd >kj[kaM jkT; ifjogu çkf/kdj.k ds lfØ; lnL; vkSj 2016 ls
2019 rd >kj[kaM jkT; Lrjh; 20 lw=h; dk;ZØe lfefr ds lnL; jgs FksA >kj[kaM jkT; ifjogu çkf/kdj.k ds lnL; ds :i esa] xzkeh.k vFkZO;oLFkk dks
c<+kok nsus vkSj ifjogu {ks= esa lq/kkj djus esa mudh Hkwfedk jghaA ,d lkekftd dk;ZdrkZ vkSj >kj[kaM jkT; Lrjh; 20 lw=h; dk;ZØe lfefr ds lnL; ds
:i esa os —f"k] xzkeh.k vFkZO;oLFkk] y?kq m|ksx vkSj lwpuk çkS|ksfxdh dks çksRlkfgr djus vkSj oSdfYid fookn lek/kku ij /;ku dsafær dj jgs FksA xjhch
mUewyu] ykHkkfFkZ;ksa dks ljdkjh ;kstukvksa dk ykHk fnykuk Hkh mudh #fp dk fo"k; FkkA

2.6.6 Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd

Jh fo'os'k dqekj xks;y baLVhVîwV v‚Q pkVZMZ ,dkmaVsaV~l v‚Q bafM;k ds lnL; gSa vkSj mUgksaus esjB fo'ofo|ky; ls okf.kT; esa Lukrd dh fMxzh ÁkIr dh
gSA mUgsa çR;{k djk/kku] varjjk"Vªh; ysunsu lykgdkj] dkuwuh lykg] çoklh djk/kku vkfn esa 30 ls vf/kd o"kksaZ dk vuqHko gSA mUgsa fofHkUu m|ksxksa esa
lwphc) Hkkjrh; vkSj cgqjk"Vªh; xzkgdksa dh lsok djus] ,';ksjsal lsokvksa esa O;kid vuqHko gSA mUgksaus fofHkUu th,,ih ¼;w,l th,,ih] vkbZ,Qvkj,l] baM
,,l] vkfn lfgr½ ds rgr dke fd;k gSA og ç[;kr 'kS{kf.kd laLFkku ds laLFkkid VªLVh gSaA og çR;{k djk/kku] çf'k{k.k vkSj vU; çsjd dk;ZØeksa esa
lkoZtfud laxks"Bh ds lfØ; Hkkxhnkj gSaA

2.7 foÙk o"kZ 2021&22 ds nkSjku funs'kd in dh lekfIr ds fooj.k fuEukuqlkj gS %

Øekad uke oxZ dk;Z lekiu dh frfFk dkj.k

1- Jh ds jkepanzu dk;Zikyd funs'kd 01-07-2021 lsokfuo`fÙk
2- lqJh in~etk pqUMw: ,eMh o lhbZvks 01-09-2021 lsokfuo`fÙk
3- Jh ,l ds ikf.kxzgh vkjchvkbZ funs'kd 08-03-2022 Hkkjr ljdkj dh vf/klwpuk
la- bZ,Q- la- 6-3-2011&ch0- 1 Hkkx¼1½
fnukafdr 08-03-2022
4- Jh oh oh 'ks.kkW; dk;Zikyd funs'kd 01-04-2022 lsokfuo`fÙk

3- funs'kd eaMy ds lnL;ksa dk ifjp; %

Øe 'kSf{kd @O;kolkf;d dkS'ky fo'ks"kKrk

uke inuke funs'kd dk oxZ
la- ;ksX;rk
1 Jh ,l ,y tSu ,e Mh ,oa lhbZvks dk;Zikyd ,e-d‚e] lh,] lh,l] lh,vkbZvkbZch lh,] cSafdax

2 Jh oh oh 'ks.kkW; dk;Zikyd funs'kd dk;Zikyd ch-d‚e] lh,vkbZvkbZch cSafdax

3 Jh bejku vehu flíhdh dk;Zikyd funs'kd dk;Zikyd ch,llh] ch Vsd] lh,vkbZvkbZch cSafdax

4 Jh v'ouh dqekj dk;Zikyd funs'kd dk;Zikyd ,e-d‚e] lh, lh,] cSafdax

- 47 -
 Øe 'kSf{kd @O;kolkf;d ewy dkS'ky @
uke inuke funs'kd dk oxZ
la- ;ksX;rk fo'ks"kKrk @ n{krk,a
5 Jh latho dkSf'kd ljdkj }kjk ukfer xSj dk;Zikyd Hkkjr yanu fctusl Ldwy ls ,ech, yksd ç'kklu
funs'kd ljdkj ukferh funs'kd ,oa fcV~l fiykuh ls eSdsfudy
bathfu;fjax
6 MkW- vkfnR; xsgk Hkkjrh; fjtoZ cSad xSj dk;Zikyd chbZ] ,e- ,llh ¼HkkSfrdh½] vFkZ'kkL=]
}kjk ukfer funs'kd vkjchvkbZ ukferh ,y-,y-ch-] ,e- ,llh cSafdax fofu;e ,oa
funs'kd ¼fuos'k Áca/ku½] lh,vkbZvkbZch] i;Zos{k.k
ih,pMh ¼vFkZ'kkL=½
7 M‚- Hkjr —".k 'kadj 'ks;j/kkjd funs'kd xSj dk;Zikyd & ch-dkWe-] ,e-dkWe] dkWelZ esa O;olk; çca/ku] pkVZM
Lora= funs'kd ih,pMh] ,Qlh,] ,lh,e, vdkmaVsaV] foÙk vkSj ekuo
lalk/ku ,oa çf'k{k.k
8 lqJh ikfi;k lsuxqIrk 'ks;j/kkjd funs'kd xSj dk;Zikyd & ch-,llh] lh,vkbZvkbZch] lh,Q,] cSafdax
Lora= funs'kd lh,,Q,
9 Jh fo'os'k dqekj xks;y va'kdkfyd xSj ljdkjh xSj dk;Zikyd & ch- dkWe] lh, pkVZM vdkmaVsaV] ,';ksjsal]
funs'kd Lora= funs'kd djk/kku ,oa foŸk
10 Jh ckyeqdqan lgk; va'kdkfyd xSj ljdkjh xSj dk;Zikyd & ,e- dkWe- Ñf"k] xzkeh.k vFkZO;oLFkk]
funs'kd Lora= funs'kd y?kq m|ksx

3.1 foÙkh; o"kZ 2021&22 ds nkSjku vk;ksftr cksMZ lfefr dh cSBd ds fooj.k %
orZeku vkSj iwoZ funs'kdksa }kjk Hkkx ysus okyh cSBdksa dk fooj.k ¼fnukad 01-04-2021 ls fnukad 31-03-2022 rd½ %
Øe funs'kd dk uke cksMZ ,e , vkj lh ,l vkb ,l lh ek ,l lh lh ch vkj ,u vkj lh ch lh
la- lh lh ,e vks vkj Vh lh ,l lalk/ku Vh , ,Q , lh vkj McY;wMh ih bZ
ch ch lh Mh lh daI;wVj ,e lh lfefr lh lh ,e lh ,u lh
¼lrdZrk½ ,y vkj Mh lh
oh lh ch
,Q

1 lqJh in~etk pqUMw:* 5 9 -- 2 2 -- 3 -- 1 1 -- 9 1 -- -- -- 1 –

2 Jh ,l ,y tSu 11 19 -- 4 2 -- 4 2 3 3 -- 24 2 -- 1 -- 4 –

3 Jh oh oh 'ks.kkW; 16 28 13 6 4 3 7 2 4 4 1 33 3 -- -- -- – –

4 Jh ds jkepUnzu** 2 5 3 1 1 1 1 -- 1 -- -- 5 1 -- -- -- -- –

5 Jh bejku vehu 15 27 13 5 4 3 7 2 4 4 1 31 3 -- -- -- – –
flíhdh
6 Jh v'ouh dqekj 9 15 6 3 1 1 4 1 2 3 1 18 2 -- -- -- – –

7 Jh latho dkSf'kd 11 -- 9 -- 2 -- 1 -- -- 2 -- -- 1 -- -- -- 1 2
8 Jh ,l ds 12 22 9 -- 2 -- -- -- -- -- -- -- -- -- -- -- – –
ikf.kxzgh***
9 MkW- vkfnR; xsgk 1 1 2 -- -- -- -- -- -- -- -- -- -- -- -- -- – –

10 MkW- Hkjr Ñ".k 'kadj 16 -- 13 2 -- 2 6 2 3 4 1 -- -- -- -- -- 5 2

11 lqJh ikfi;k lsuxqIrk 9 14 -- 4 -- -- 4 -- -- -- -- -- 2 -- 1 -- 4 2
12 Jh fo'os'k dqekj 8 -- 5 3 -- -- 3 - -- -- -- -- 1 -- 1 -- – –
xks;y
13 Jh ckyeqdqan lgk; 8 -- 3 3 -- 1 -- 1 1 2 1 -- -- -- -- -- – –

* fnukad 31-08-2021 rd ,eMh ,oa lhbZvks

** fnukad 30-06-2021 rd dk;Zikyd funs'kd
*** fnukad 07-03-2022 rd vkjchvkbZ ukfefr funs'kd

- 48 -
jk"Vªh;—r cSad ¼çca/ku ,oa çdh.kZ mica/k½ ;kstuk 1970 ds [kaM 12 ds varxZr fu/kkZfjr U;wure Ng cSBdksa ds lkis{k foÙkh; o"kZ 2021&22 ds nkSjku cksMZ dh U;wure 15 cksMZ
cSBdsa vk;ksftr dh xbZA blds fooj.k fuEukuqlkj gS %

Øe
la cSBd dh frfFk cksMZ esa funs'kdksa dh la[;k cSBd esa mifLFkr funs'kdksa dh la[;k
1. 28.05.2021 7 7
2. 29.06.2021 7 7
3. 19.07.2021 6 6
4. 11.08.2021 6 5
5. 27.08.2021 6 6
6. 29.09.2021 6 5
7. 28.10.2021 7 7
8. 25.11.2021 8 7
9. 27.12.2021 10 10
10. 07.02.2022 10 10
11. 08.02.2022 10 10
12. 24.02.2022 10 8
13. 14.03.2022 10 8
14. 21.03.2022 10 8
15. 30.03.2022 10 9

4. cksMZ dh lfefr;k¡
4.1 cksMZ dh çca/ku lfefr
Ÿ çca/ku lfefr dk xBu flracj 08] 1990 dks fd;k x;k vkSj ;g Hkkjrh; fjtoZ cSad ds ijke'kZ ls vkSj dsUæh; ljdkj ds vuqeksnu ds lkFk cksMZ }kjk bls çnku fd,
x, cksMZ vf/kdkjksa dk ç;ksx djrh gSA le;&le; ij lfefr dk iquxZBu fd;k tkrk gSA çca/ku lfefr fuEufyf[kr fo"k;ksa ij cksMZ esa fufgr lHkh vf/kdkjksa dk
ç;ksx dj ldrh gS %
Ÿ _.k çLrkoksa dh eatwjh ¼fuf/kçnÙk vkSj xSj fuf/kçnÙk½ (
Ÿ _.k le>kSrk] cês [kkrs esa Mkyus ds çLrko (
Ÿ iwath vkSj jktLo O;; ds çLrkoksa gsrq vuqeksnu (
Ÿ ifjljksa ds vf/kxzg.k vkSj fdjk;s ij ysus gsrq ekunaMksa ls fopyu lfgr ifjljksa ds vf/kxzg.k vkSj fdjk;s ij ysus ls lacaf/kr çLrko (
Ÿ ljdkjh vkSj vU; vuqeksfnr çfrHkwfr;ksa] 'ks;jksa vkSj gkehnkjh lfgr daifu;ksa ds fMcsapjksa esa fuos'k(
Ÿ nku vkSj
Ÿ cksMZ }kjk çca/ku lfefr dks lanfHkZr fd, x, dksbZ vU; ekeys
4.1.1 cksMZ dh çca/ku lfefr dh lajpuk %
fnukad 31-03-2022 dks cksMZ dh çca/ku lfefr dh lajpuk bl çdkj gS %

1- Jh ,l ,y tSu v/;{k
2- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- MkW- vkfnR; xsgk] Hkkfj cSad }kjk ukfer funs'kd lnL;
6- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;

- 49 -
4.1.2 cSBdksa dk fooj.k %
fnukad 01-04-2021 ls fnukad 31-03-2022 dh vof/k ds nkSjku lfefr dh 28 cSBdsa gqbZ] ftudk fooj.k uhps fn;k x;k gS %
cksMZ dh çca/ku lfefr esa
Øekad cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1. 16.04.2021 5 5
2. 04.05.2021 5 5
3. 25.05.2021 5 5
4. 07.06.2021 5 5
5. 24.06.2021 5 5
6. 14.07.2021 4 4
7. 03.08.2021 4 4
8. 13.08.2021 4 4
9. 18.08.2021 4 4
10. 17.09.2021 4 4
11. 27.09.2021 4 4
12. 18.10.2021 4 4
13. 27.10.2021 5 5
14. 12.11.2021 6 6
15. 20.11.2021 6 6
16. 30.11.2021 6 4
17. 09.12.2021 6 6
18. 23.12.2021 6 6
19. 29.12.2021 6 5
20. 10.01.2022 6 6
21. 25.01.2022 6 6
22. 14.02.2022 6 6
23. 21.02.2022 6 5
24. 05.03.2022 6 6
25. 07.03.2022 6 5
26. 14.03.2022 6 5
27. 23.03.2022 6 5
28. 28.03.2022 6 5

4.2 cksMZ dh ys[kkijh{kk lfefr ¼, lh ch½

ys[kk ijh{kk lfefr 13 väwcj 1995 dks xfBr dh x;h vkSj bls le;&le; ij iquxZfBr fd;k tkrk gSA blds lanHkZZ esa fuEufyf[kr 'kkfey gSa %
Ÿ cSad ds lexz ys[kk & ijh{kk dk;Z] tksfd laLFkku rFkk mlds ifjpkyu rFkk vkarfjd cSad dh vkarfjd ys[kk ijh{kk o fujh{k.k dh xq.koRrk fu;a=.k ij çHkko
Mkyrk gS] dks ekxZn'kZu çnku djuk ,oa mldk i;Zos{k.k djuk rFkk cSad dh lkafof/kd ckgjh ys[kk ijh{kk ,oa Hkkjrh; fjtoZ cSad ds fujh{k.kksa dk vuqorZu
djukA
Ÿ varj&'kk[kk lek;kstu [kkrs] varj cSad [kkrksa esa cgqr fnuksa ls yafcr lek/kku u dh xbZ çfof"V;k¡ vkSj ukLVªks [kkrksa] fofHkUu 'kk[kkvksa esa cfg;ksa ds larqyu esa
'ks"k dke] /kks[kk/kfM+;k¡ ,oa vuqj{k.k ij fof'k"V /;ku nsrs gq, cSad ds vkarfjd fujh{k.k ys[kkijh{kk dk;Z dh iqujh{kk djukA
Ÿ cSadksa esa fu;qä vuqikyu vf/kdkfj;ksa ls çkIr frekgh fjiksVksaZ dh leh{kk vkSj
Ÿ ykax QkeZ ys[kk ijh{kk fjiksVksaZ esa mBk, x, lHkh ekeyksa ij vuqorhZ dkjZokbZ djuk vkSj okf"kZd v/kZ okf"kZd foÙkh; ys[kk vkSj fjiksVZ dks vafre :i nsus ls iwoZ

- 50 -
 ckgjh ys[kk ijh{kdksa ds lkFk laidZ djukA
Ÿ [kkrksa] ys[kk uhfr;ksa] izdVhdj.kksa dh lkekU; iqujh{kk
Ÿ izca/ku ds fu.kZ;ksa ds vk/kkj ij eq[; ys[kk izfof"V;ksa dh iqujh{kk djuk ,oa ys[kk ijh{kk ds nkSjku mHkjs fo'ks"k lek;kstuksa dh iqujh{kk djukA
Ÿ ys[kkijh{kk fjiksVZ çk:i esa DokfyfQds'ku
Ÿ ys[kk ijh{kdksa dh fVIif.k;ksa dks 'kkfey djrs gq, Lora= ys[kk ijh{kk ds foLrkj dk fu/kkZj.k ,oa iqujh{k.k djuk rFkk cksMZ dks çLrqr djus ls igys frekgh]
Nekgh ,oa okf"kZd foÙkh; fooj.kksa dk iqujh{k.k djuk
Ÿ fdlh Hkh çdkj ds fparktud {ks= dk irk yxkus ds fy, ys[kk ijh{kdksa ds lkFk ys[kk ijh{kk ds ckn ppkZ
Ÿ vkarfjd ys[kk ijh{kk dk Ldksi vkSj le; varjky LFkkfir djuk] vkarfjd ys[kk ijh{kdksa ds fu"d"kZ dh iqujh{kk vkSj vkarfjd fu;a=.k ç.kkyh dh i;kZIrrk
lqfuf'pr djuk
Ÿ cSad ds ys[kk ekudksa vkSj ys[kk uhfr;ksa dk vuqikyu
Ÿ foÙkh; foojf.k;ksa ij ykxw lhek rd LV‚d ,Dlpsat dh vis{kkvksa dk vuqikyu
Ÿ lacaf/kr ikfVZ;ksa ds ysunsu dk i;Zos{k.k] ;Fkk] çorZdksa vFkok çca/ku] mudh vuq"kafx;ksa vFkok lacaf/k;ksa bR;kfn ds lkFk HkkSfrd :i ds ysunsu] ftuls O;kid
:i esa cSad ds fgrksa ds lkFk laHkkfor la?k"kZ gks ldrk gS vkSj
Ÿ ,sls vU; ekeys tks fd le;&le; ij fdlh Hkh lkafof/kd] lafonkRed vFkok vU; fofu;ked vko';drkvksa gsrq visf{kr gksaA
4.2.1 cksMZ dh ys[kk ijh{kk lfefr dh lajpuk %
fnukad 31-03-2022 dks cksMZ dh ys[kk ijh{kk lfefr dh lajpuk bl çdkj gS %

1- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd v/;{k

2- MkW- vkfnR; xsgk] vkjchvkbZ }kjk ukfer funs'kd lnL;
3 Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd lnL;
4 Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;

vkeaf=r %
1- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd
2- Jh bejku vehu fln~nhdh] dk;Zikyd funs'kd
3- Jh v'ouh dqekj] dk;Zikyd funs'kd
4.2.2 cSBd dk fooj.k
fnukad 01-04-2021 ls 31-03-2022 rd dh vof/k esa cksMZ dh ys[kkijh{kk lfefr dh 13 cSBdksa dk vk;kstu fd;k x;k ftudk fooj.k fuEuor gS %&

Ø- cksMZ dh ys[kkijh{kk lfefr esa

la- cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1. 28.04.2021 4 3
2. 28.05.2021 4 4
3. 28.06.2021 4 4
4. 19.07.2021 4 4
5. 26.08.2021 4 4
6. 29.09.2021 4 3
7. 28.10.2021 3 3
8. 22.12.2021 3 3
9. 07.02.2022 4 4
10. 16.02.2022 4 4
11. 11.03.2022 4 4
12. 25.03.2022 4 3
13. 30.03.2022 4 4

- 51 -
4.3 cksMZ dh tksf[ke çca/ku lfefr %
tksf[ke çca/ku lfefr dk xBu fnukad 18 tuojh] 2003 dks fd;k x;k Fkk vkSj le;&le; ij bl lfefr dk iquxZBu fd;k tkrk jgk gS A tksf[ke çca/ku
lfefr dh dk;Zfof/k@mÙkjnkf;Ro fuEuor gSa %
Ÿ ,dh—r tksf[ke çca/ku] ftlesa _.k tksf[ke lfgr cSad ds fofHkUu ,Dlikstj ls lacaf/kr tksf[ke 'kkfey gS] ds fy, uhfr vkSj j.kuhfr rS;kj djukA
Ÿ cSad dh _.k tksf[ke çca/ku lfefr ¼lhvkj,elh½] vkfLr ns;rk çca/ku lfefr ¼,,y,elh½ vkSj ifjpkyu tksf[ke çca/ku lfefr ¼vksvkj,elh½ ,oa
vU; tksf[ke lfefr;ksa ds chp leUo; LFkkfir djukA
Ÿ cktkj tksf[ke ekius] mlds çca/ku vkSj fjiksfVaZx gsrq uhfr;ka vkSj fn'kkfunsZ'k fu/kkZfjr djuk
Ÿ ;g lqfuf'pr djuk fd cktkj tksf[ke çfØ;k,¡ ¼turk] ç.kkfy;ksa] ifjpkyuksa] lhekvksa vkSj fu;a=.kksa lfgr½ cSad dh uhfr dh larqf"V djrh gSaA
Ÿ fVªxj vFkok O;kikj vkSj çksn~Hkwr iksVZQksfy;ks gsrq gkfu jksdus lfgr cktkj tksf[ke lhekvksa dh iqujh{kk vkSj vuqeksnuA
Ÿ vgZ vkSj l{ke LVkQ dh fu;qfä] vgZ vkSj l{ke LVkQ vkSj Lora= cktkj tksf[ke çca/kdksa vkfn dh rSukrh lqfuf'pr djukA

4.3.1 cksMZ dh tksf[ke çca/ku lfefr dk çk:i %

fnukad 31-03-2022 dks cksMZ dh tksf[ke çca/ku lfefr dk çk:i fuEuor gS %

1- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd v/;{k

2- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
3 Jh latho dkSf'kd] ljdkj }kjk ukfer funs'kd lnL;
4 Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;
5 Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd lnL;

vkeaf=r %
1- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd
2- Jh bejku vehu fln~nhdh] dk;Zikyd funs'kd
3- Jh jkts'k egktu] Mksesu fo'ks"kK ¼fo'ks"k vfrfFk½
4.3.2 cSBdksa dk fooj.k %
fnukad 01-04-2021 ls 31-03-2022 rd dh vof/k esa 6 ckj lfefr dh cSBdksa dk vk;kstu fd;k x;k ftudk fooj.k fuEuor gS %

Ø- cksMZ dh tksf[ke çca/ku lfefr esa

la- cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1. 28.06.2021 5 5
2. 26.08.2021 4 4
3. 24.11.2021 4 3
4. 10.03.2022 6 5
5. 23.03.2022 6 5
6. 30.03.2022 6 4

4.4 funs'kdksa dh lrdZrk lfefr ¼lhvksMh½ %

lrdZrk lfefr tuojh 12] 1991 dks xfBr dh xbZ gSA yafcr vuq'kklfud ekeyksa vkSj foHkkxh; tkap dh iqujh{kk djus ds fy, frekgh esa ,d ckj lrdZrk
lfefr dh cSBd dh tkrh gSA le;&le; ij lfefr dk iquxZBu fd;k tkrk gSA

- 52 -
4.4.1 funs'kdksa dh lfefr lrdZrk ¼lhvksMh@fot½ dk çk:i %
fnukad 31-03-2022 dks funs'kdksa dh lrdZrk lfefr ¼lhvksMh@fot½ dk çk:i fuEuor gS %

1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k

2- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd lnL;
6- MkW- vkfnR; xsgk] kjrh; fjtoZ cSad }kjk ukfer funs'kd lnL;
4.4.2 cSBdksa dk fooj.k %
fnukad 01-04-2021 ls 31-03-2022 rd dh vof/k ds nkSjku lfefr dh 4 cSBdksa dk vk;kstu gqvk ftudk fooj.k fuEuor gS %

funs'kdksa dh lfefr ¼lrdZrk½ esa

Ø-la- cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1 29.06.2021 6 5
2 27.08.2021 5 5
3 24.11.2021 6 5
4 30.03.2022 6 3

4.5 LVsd/kkjd laidZ ij cksMZ dh lfefr %

23 uoacj] 2006 ls lfefr dk xBu ,sls dk;ksaZ dks djus ds fy, fd;k x;k Fkk tks 'ks;j/kkjdksa vkSj fuos'kdksa dh f'kdk;rksa ds fuokj.k ds fy, vko';d gSa]
ftuesa 'ks;jksa dk gLrkarj.k] ykHkka'k dh çkfIr u gksuk] okf"kZd fjiksVZ vkSj dksbZ vU; f'kdk;r 'kkfey gS] tks fd cSad ds fdlh 'ks;j/kkjd ;k fuos'kd dh cSad
ds çfr gks ldrh gSA le;&le; ij lfefr dk iquxZBu fd;k x;k gSA
4.5.1 LVsd/kkjd laidZ ij cksMZ dh lfefr dk çk:i %
fnukad 31-03-2023 dks LVsd/kkjd laidZ lfefr dk çk:i fuEuor gS %&

1- Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd v/;{k

2- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;

4.5.2 LVsd/kkjd laidZ ij cksMZ dh lfefr dh dk;Zfof/k %

lfefr dh Hkwfedk esa vU; ckrksa ds lkFk&lkFk fuEu 'kkfey gSa %

Ÿ 'ks;jksa ds varj.k@çs"k.k] okf"kZd çfrosnu çkIr u gksus] ?kksf"kr ykHkka'k çkIr u gksuk] u,@MqfIydsV çek.ki= tkjh djus] vke lHkk vkfn ls lacaf/kr
f'kdk;rksa lfgr cSad ds çfrHkwfr /kkjdksa dh f'kdk;rksa dk lek/kku djukA

Ÿ 'ks;j/kkjdksa }kjk erkf/kdkj ds dkjxj ç;ksx gsrq mik;ksa dh leh{kk djukA

Ÿ jftLVªkj ,oa 'ks;j varj.k ,tsaV }kjk çnku dh tk jgh fofHkUu lsokvksa ds laca/k esa cSad }kjk viukbZ xbZ ekud lsokvksa ds vuqikyu dh leh{kkA

Ÿ vnkoh ykHkka'kksa dh ek=k dks de djus vkSj daifu;ksa ds 'ks;j/kkjdksa dks le; ij ykHkka'k okjaV@okf"kZd çfrosnu@lkafof/kd lwpukvksa dh çkfIr
lqfuf'pr djus gsrq cSad }kjk fd, x, fofHkUu mik;ks vkSj igyksa dh leh{kk djukA

- 53 -
4.5.3 cSBdksa dk fooj.k
fnukad 01-04-2021 ls 31-03-2022 rd lfefr dh 3 cSBdksa dk vk;kstu gqvk ftudk fooj.k fuEuor gS %
LVsd/kkjdksa laidZ lfefr esa
Ø-la- cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1 08.06.2021 4 4
2 29.09.2021 3 3
3 25.03.2022 4 4
4.6 vkbZVh j.kuhfr lfefr %
vkbZVh j.kuhfr lfefr dk xBu cSad dh çkS|ksfxdh ds mUu;u dh vko';drkvksa ij fopkj djus vkSj Li"V ifjHkkf"kr ekbyLVksu ds lkFk j.kuhfrd ;kstuk
dh vuq'kalk djus ds fy, fd;k x;k gSA le;&le; ij lfefr dk iquxZBu fd;k tkrk gSA
4.6.1 vkbZVh j.kuhfr lfefr dk çk:i %
fnukad 31-03-2022 dks vkbZVh j.kuhfr lfefr dk çk:i fuEuor gS %

1- Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd v/;{k

2- Jh ,l ,y tSu] ,eMh vkSj lhbZvks lnL;
3- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
4- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
5- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
6- Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd lnL;
7- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
8- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;
lfefr dh cSBdksa esa vkbZMhvkjchVh ds Áfrfuf/k fo'ks"k vfrfFk ds :i esa vkeaf=r FksA
4.6.2 cSBdksa dk fooj.k %
fnukad 01-04-2021 ls 31-03-2022 dh vof/k ds nkSjku lfefr dh 7 cSBdksa dk vk;kstu fd;k x;k ftudk fooj.k fuEuor gS %

Ø-la- vkbZVh j.kuhfr lfefr esa

cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
funs'kdksa dh la[;k
1. 08.06.2021 6 5
2. 15.07.2021 5 5
3. 11.08.2021 5 4
4. 24.11.2021 7 6
5. 16.02.2022 8 7
6. 10.03.2022 8 6
7. 23.03.2022 8 7
4.7 fo'ks"k lfefr ¼cMs ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq½ %
1 ¼,d½ djksM+ #i, o vf/kd ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq bl lfefr dk xBu 31 tuojh] 2004 dks fd;k x;k Fkk gSA le;&le; ij lfefr
dk iquxZBu fd;k tkrk gSA
4.7.1 fo'ks"k lfefr ¼cMs ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq½ dk çk:i %
fnukad 31-03-2022 dks fo'ks"k lfefr ¼cMs ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq½ dk çk:i fuEuor gS %
1- Jh ,l ,y tSu] ,eMh vkSj lhbZvks v/;{k
2- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd lnL;
6- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
7- Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;

- 54 -
4-7-2 cSBdksa dk fooj.k %
fnukad 01-04-2021 ls 31-03-2022 rd fo'ks"k lfefr ¼cMs ewY; dh /kks[kk/kfM+;ksa dks ekWuhVj djus gsrq½ dh 2 cSBdsa vk;ksftr dh xbZa ftudk fooj.k
fuEuor gS %&

fo'ks"k lfefr ¼cMs ewY; dh /kks[kk/kfM+;ksa dks

Ø-la- cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
ekWuhVj djus gsrq½ esa funs'kdksa dh la[;k
1 29.09.2021 5 4
2 16.02.2022 7 6

4-8 cksMZ dh xzkgd lsok lfefr %

24 vxLr 2004 dks xzkgd lsok lfefr dk xBu fd;k x;k Fkk vkSj le;&le; ij bldk iquxZBu fd;k tkrk gSA xzkgd lsok lfefr ds dk;ksaZ esa
fuEufyf[kr 'kkfey gSa %
Ÿ vke turk ds fgrksa dh j{kk dh –f"V ls çfØ;kvksa vkSj dk;Z ç.kkfy;ksa ds ljyhdj.k ij fopkj djuk
Ÿ xzkgdksa dks lsok çnku djus ds fy, ekStwn ç.kkfy;ksa dh leh{kk djuk vkSj
Ÿ Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fofu;eksa vkSj çfØ;kvksa dh leh{kk djuk tks cSadksa dh xzkgd lsok dks çHkkfor djrs gSaA
4-8-1 cksMZ dh xzkgd lsok lfefr dk çk:i %
fnukad 31-03-2022 dks cksMZ dh xzkgd lsok lfefr dk çk:i fuEuor gS %&

1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k

2- Jh oh oh 'ks.kkW;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;

4-8-2 cSBdksa dk fooj.k %

fnukad 01-04-2021 ls 31-03-2022 dh vof/k ds nkSjku lfefr dh 4 cSBdksa dk vk;kstu fd;k x;k ftudk fooj.k fuEuor gS %

Ø-la- cSBd dh frfFk cksMZ dh xzkgd lsok lfefr esa funs'kdksa dh la[;k cSBd esa mifLFkr funs'kdksa dh la[;k

1. 08.06.2021 5 5
2. 29.09.2021 4 4
3. 27.12.2021 5 5
4. 23.02.2022 5 5

4-9 cksMZ dh ukekadu vkSj ikfjJfed lfefr %

cksMZ esa 'ks;j/kkjd funs'kd ds :i esa pqus tkus okys O;fä;ksa dh ^^mi;qä vkSj mfpr** fLFkfr dk fu/kkZj.k djus ds fy, vkjchvkbZ@Mh,Q,l ds fn'kkfunsZ'kksa
ds vk/kkj ij fnukad 27-11-2019 dks cSad esa ukekadu vkSj ikfjJfed lfefr dk xBu fd;k x;k FkkA le;&le; ij lfefr dk iquxZBu fd;k x;k-
4-9-1 cksMZ dh ukekadu vkSj ikfjJfed lfefr dk çk:i %
fnukad 31-03-2022 dks cksMZ dh ukekadu vkSj ikfjJfed lfefr dk çk:i fuEuor gS %&

1- Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd v/;{k

2- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
3- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;

- 55 -
4-9-2 cSBd dk fooj.k
01-04-2021 ls 31-03-2022 ds nkSjku lfefr dh dksbZ cSBd vk;ksftr ugha dh xbZA
4-10 dk;Zfu"iknu ewY;kadu gsrq cksMZ dh lfefr %
bl lfefr dks çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh ds çeq[k mÙkjnkf;Ro {ks= rS;kj djus rFkk egkçcU/kdksa ,oa dk;Zikyd funs'kdksa ds çeq[k
mÙkjnkf;Ro {ks= dks vuqeksfnr djus ds fy, fnukad 27-11-2019 dks xfBr fd;k x;k FkkA le; le; ij bl lfefr dk iquxZBu fd;k tkrk gSA
4-10-1 dk;Zfu"iknu ewY;kadu gsrq xfBr cksMZ dh lfefr dh lajpuk %
fnukad 31-03-2022 dks ;FkkfLFkfr dk;Zfu"iknu ewY;kadu gsrq xfBr cksMZ dh lfefr dh lajpuk fuEuor gS %

1 Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd v/;{k

2 M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
3 lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;

4-10-2 cSBd dk fooj.k %

01-04-2021 ls 31-03-2022 ds nkSjku lfefr dh nks ¼2½ cSBdsa laiUu gqbZ ftudk fooj.k fuEuor gS %

Øe dk;Zfu"iknu ewY;kadu gsrq cksMZ dh

cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
la lfefr esa dqy funs'kdksa dh la[;k
1 25.11.2021 3 3
2 21.03.2022 3 3

4-11 'ks;j varj.k lfefr

bafM;u cSad ¼'ks;j ,oa cSBd½ fofu;e] 1999 ds fofu;e la[;k 2, ds vuqlj.k esa cSad }kjk fnukad 13 ekpZ 2007 dks 'ks;j varj.k lfefr dk xBu fd;k
x;k FkkA bl lfefr dk iquxZBu le; le; ij fd;k tkrk gSA
4-11-1 'ks;j varj.k lfefr dh lajpuk
fnukad 31-03-2022 dks ;FkkfLFkfr cksMZ dh 'ks;j varj.k lfefr ds lnL;ksa dh lwph fuEuor gS %

1 Jh oh oh 'ks.k‚;] dk;Zikyd funs'kd v/;{k

2 Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
3 Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
4 M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
5 Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;
4-11-2 cSBdksa dk fooj.k %
01-04-2021 ls 31-03-2022 ds nkSjku lfefr dh ,d cSBd laiUu gqbZ ftldk fooj.k fuEuor gS %

Ø la cSBd dh frfFk 'ks;j varj.k lfefr esa dqy funs'kdksa dh la[;k cSBd esa mifLFkr funs'kdksa dh la[;k

1 23.02.2022 5 5

4-12- cksMZ dh _.k vuqeksnu lfefr %

Hkkjr ljdkj dh vf/klwpuk la ,l- vks- 2736 ¼bZ½ fnukafdr 05-12-2011 ds vuqlj.k esa fnukad 04-04-2012 dh cSad }kjk _.k vuqeksnu lfefr dk xBu fd;k
x;k tksfd ,elhch ls ,d Lrj uhps dh og vuqeksnu c‚Mh gS ftldk mís'; Hkkjr ljdkj }kjk fu/kkZfjr :isj[kk ds varxZr _.k çLrkoksa@le>kSrk
çLrkoksa@cêk [kkrk çLrkoksa dk vuqeksnu djus ds lanHkZ esa cksMZ }kjk çnÙk vf/kdkjksa dk ç;ksx djuk gSA bl lfefr dk iquxZBu le; le; ij fd;k tkrk
gSA
4-12-1 cksMZ dh _.k vuqeksnu lfefr dh lajpuk %
cksMZ dh _.k vuqeksnu lfefr ds lnL; fuEuor gSa %
Ÿ çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh
Ÿ dk;Zikyd funs'kdx.k
Ÿ egkçca/kd ¼d‚iksZjsV ØsfMV½

- 56 -
 Ÿ egkçca/kd ¼feMdkiZ@,e,l,ebZ½
Ÿ egkçca/kd ¼foÙk@ys[kk½
Ÿ egkçca/kd ¼O;; ,oa _.k çLrkoksa ds çLrqrdrkZ½
Ÿ egkçca/kd ¼lhvkjvks½ ,oa lhlhvks Hkh mifLFkr jgrs gSaA
pw¡fd _.k ,oa O;; çLrkoksa dks fHkUu egkçca/kd@foHkkxk/;{k laHkky jgs gSa vr% lacaf/kr egkçca/kd@foHkkxk/;{k vius izLrkoksa ls lacaf/kr lfefr ds lnL;
gksaxsA
4-12-2- cSBd dk fooj.k %
01-02-2021 ls 31-03-2022 rd _.k vuqeksnu lfefr dh dqy 33 cSBdsa laiUu gqbZ] fooj.k fuEuor gS %

Øe cksMZ dh _.k vuqeksnu lfefr esa

la cSBd dh frfFk cSBd esa mifLFkr funs'kdksa dh la[;k
dqy funs'kdksa dh la[;k
1. 30.04.2021 4 4
2. 21.05.2021 4 4
3. 28.05.2021 4 4
4. 15.06.2021 4 4
5. 30.06.2021 4 4
6. 09.07.2021 3 3
7. 23.07.2021 3 3
8. 06.08.2021 3 3
9. 19.08.2021 3 3
10. 07.09.2021 3 3
11. 22.09.2021 3 3
12. 29.09.2021 3 3
13. 01.10.2021 3 3
14. 30.10.2021 4 4
15. 03.11.2021 4 4
16. 16.11.2021 4 4
17. 23.11.2021 4 3
18. 29.11.2021 4 4
19. 07.12.2021 4 4
20. 16.12.2021 4 4
21. 28.12.2021 4 4
22. 30.12.2021 4 4
23. 11.01.2022 4 4
24. 20.01.2022 4 4
25. 09.02.2022 4 4
26. 23.02.2022 4 4
27. 02.03.2022 4 3
28. 09.03.2022 4 4
29. 15.03.2022 4 4
30. 24.03.2022 4 4
31. 28.03.2022 4 3
32. 30.03.2022 4 3
33. 31.03.2022 4 4

4-13 xSj&lg;ksxh m/kkjdrkZvksa gsrq leh{kk lfefr %

Hkkjrh; fjtoZ cSad ds funsZ'kksa ds vuqlkj] m/kkjdrkZvksa dks xSj&lg;ksxh m/kkjdrkZ ds :i esa oxhZ—r djus okyh xSj&lg;ksxh m/kkjdrkZ vuqoh{k.k lfefr
}kjk ikfjr vkns'kksa dh leh{kk djus@iqf"V djus ds fy, xSj&lg;ksxh m/kkjdrkZvksa gsrq leh{kk lfefr dk xBu fnukad 23-01-2015 dks fd;k x;k FkkA bl
lfefr dk iquxZBu le; le; ij fd;k tkrk gSA

- 57 -
4-13-1 xSj&lg;ksxh m/kkjdrkZvksa gsrq leh{kk lfefr dh lajpuk %
fnukad 31-03-2022 dks ;FkkfLFkfr xSj&lg;ksxh m/kkjdrZvksa gsrq leh{kk lfefr dh lajpuk fuEuor gS %

1 Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k

2 lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;
3 Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd lnL;
4-13-2 cSBdksa dk fooj.k %
01-04-2021 ls 31-03-2022 vof/k ds nkSjku lfefr dh ,d ¼1½ cSBd vk;ksftr dh x;h %
Øe la cSBd dh frfFk vkjlh,ulhch esa dqy funs'kdksa dh la[;k cSBd esa mifLFkr funs'kdksa dh la[;k
1. 02.02.2022 3 3

4-14 vuq'kklukRed ekeyksa laca/kh cksMZ Lrjh; vihy lfefr%

vuq'kklfud ekeyksa esa cSad ds çcaèk funs'kd ,oa eq-dk-v ds fu.kZ;ksa ds f[kykQ dh tkus okyh vihyksa ds fy, muls ,d Lrj Åij dh cksMZ Lrjh; vihy
lfefr dk xBu 15-12-2014 dks fd;k x;k gSA bl lfefr dk le;&le; ij iquxZBu fd;k x;k gSA
4-14-1 vuq'kklukRed ekeyksa laca/kh cksMZ Lrjh; vihy lfefr dh lajpuk%
;FkkfLFkfr 31-03-2022 dks cksMZ dh p;u lfefr ds lnL; fuEukuqlkj Fks%

1 Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd v/;{k

2 M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
3 lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;
4 Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd lnL;
4-14-2 cSBdksa dk fooj.k%
01-04-2021 ls 31-03-2022 vof/k ds nkSjku lfefr dh dksbZ cSBd vk;ksftr ugha dh x;h%
4-15 ,pvkj lfefr%
cksMZ dh ekuo lalk/ku lfefr dk xBu 29 twu] 2012 dks ,pvkj ds egRoiw.kZ eqíksa ij çR;sd frekgh esa ppkZ djus vkSj fu.kZ; ysus ds fy, fd;k x;k FkkA bl
lfefr dk le;&le; ij iquxZBu fd;k x;k gSA
4-15-1 ,pvkj lfefr dh lajpuk %
;FkkfLFkfr 31-03-2022 dks ,pvkj lfefr ds lnL; fuEukuqlkj Fks%
1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k
2- Jh oh oh 'ks.k‚;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd lnL;
6- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;
7- Jh ckyeqdqan lgk;] va'kdkfyd xSj ljdkjh funs'kd lnL;
fo’ks"k vfrfFk %
1- Jh deys'k vkj iVsy] ¼,pvkj fo'ks"kK½
2- çksQslj olarh Jhfuoklu ¼,pvkj fo'ks"kK½
4-15-2 cSBdksa dk fooj.k%
01-04-2021 ls 31-03-2022 vof/k ds nkSjku lfefr dh 4 cSBdsa vk;ksftr dh x;h ftudk fooj.k fuEukuqlkj gS%
Øa- ,pvkj lfefr esa
cSBd dh frfFk cSBd esa lgHkkfxrk djusokys funs'kdksa dh la[;k
la- funs'kdksa dh la[;k
1. 15.07.2021 5 5
2. 24.11.2021 6 5
3. 02.02.2022 7 7
4. 21.03.2022 7 6

- 58 -
4-16 bjknru pwddrkZvksa gsrq leh{kk lfefr%

bjknru pwddrkZvksa gsrq leh{kk lfefr fnukad 30-03-2015 dks xfBr dh xbZA ;g lfefr m/kkjdrkZvksa dks bjknru pwddrkZ ds :Ik esa igpkuus okyh LØhfuax
lfefr ds vkns'kksa dh iqujh{kk djsxhA bl lfefr dk le;&le; ij iquxZBu fd;k tkrk gSA

4-16-1 bjknru pwddrkZvksa gsrq leh{kk lfefr dh lajpuk%

;FkkfLFkfr 31-03-2022 dks bjknru pwddrkZvksa gsrq leh{kk lfefr ds lnL; fuEukuqlkj Fks %

1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k

2- M‚- Hkjr —".k 'kadj] 'ks;j/kkjd funs'kd lnL;

3- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs’kd lnL;

4-16-2 cSBdksa dk fooj.k%

01-04-2021 ls 31-03-2022 vof/k ds nkSjku lfefr dh ik¡p ¼5½ cSBd vk;ksftr dh x;h ftldk fooj.k fuEukuqlkj gS%

Øa- la- cSBd dh frfFk bjknru pwddrkZvksa ds fy, leh{kk lfefr cSBd esa lgHkkfxrk djusokys
esa funs'kdksa dh la[;k funs'kdksa dh la[;k
1. 26.08.2021 3 3
2. 02.02.2022 3 3
3. 16.02.2022 3 3
4. 14.03.2022 3 3
5. 30.03.2022 3 3

4-17 olwyh dh ekWfuVfjax gsrq lfefr%

fnlacj 18] 2012 dks olwyh dh ekWfuVfjax gsrq lfefr xfBr dh xbZ rFkk bldk mís'; gS cSad }kjk ,uih, esa dh xbZ olwyh dh çxfr dks e‚uhVj djuk ,oa
fofHkUu lfefr;ksa] tSls ,l,lh] vkfLr;ksa dh fcØh lfefr vkSj cSad ds vU; {ks= Lrj ds dk;ZdrkZvksa ds dk;Z dh iqujh{kk djukA bl lfefr dk le;&le;
ij iquxZBu fd;k tkrk gSA

4-17-1 olwyh dh ekWfuVfjax gsrq lfefr dh lajpuk%

;FkkfLFkfr 31-03-2022 dks olwyh dh ekWfuVfjax gsrq lfefr ds lnL; fuEukuqlkj Fks%

1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks v/;{k

2- Jh oh oh 'ks.k‚;] dk;Zikyd funs'kd lnL;
3- Jh bejku vehu flíhdh] dk;Zikyd funs'kd lnL;
4- Jh v'ouh dqekj] dk;Zikyd funs'kd lnL;
5- Jh latho dkSf'kd] Hkkjr ljdkj }kjk ukfer funs'kd lnL;
6- lqJh ikfi;k lsuxqIrk] 'ks;j/kkjd funs'kd lnL;
7- Jh fo'os'k dqekj xks;y] va'kdkfyd xSj ljdkjh funs'kd lnL;

4-17-2 cSBdksa dk fooj.k%

01-04-2021 ls 31-03-2022 vof/k ds nkSjku lfefr dh 3 cSBdsa vk;ksftr dh x;h ftudk fooj.k fuEukuqlkj gS%
Øa- cSBd esa lgHkkfxrk djusokys
cSBd dh frfFk olwyh dh ekWfuVfjax gsrq lfefr esa funs'kdksa dh la[;k
la- funs'kdksa dh la[;k
1. 29.06.2021 5 5
2. 24.11.2021 6 5
3. 24.02.2022 7 6
5- funs'kdksa dks ikfjJfed%
xSj&dk;Zikyd funs'kdksa dks ;k=k ,oa fojke HkÙkksa lfgr fn, tkus okys ikfjJfed dk Hkqxrku le;&le; ij jk"Vªh;Ñr cSad ¼Áca/ku o fofo/k Áko/kku½
;kstuk] 1970 ¼;Fkkla'kksf/kr½ ds [kaM 17 ds vuqikyu esa Hkkjrh; fjtoZ cSad ds ijke'kZ ij dsanzh; ljdkj }kjk fd;k tkrk gSA

- 59 -
çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh ,oa dk;Zikyd funs'kdx.k ¼iw.kZdkfyd funs'kd½ dks Hkkjr ljdkj }kjk cuk, x, fu;eksa ds vuqlkj osru ds :i esa
ikfjJfed dk Hkqxrku fd;k tkrk gSA çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh ,oa dk;Zikyd funs'kdx.k dks Hkqxrku fd, x, ikfjJfed dk fooj.k fuEukuqlkj gS%

ç/kkuea=h
çksRlkgu@ jkgr dks"k lsokfuo`fRr
Øa- ewy osru eagxkbZ cdk;k ih,Q esa 1 fnu ij ih,y dqy
uke ¼#-½ HkÙkk ¼#-½ ¼#-½ vU; dk vodk'k dh HkqukbZ ¼#-½
la- ¼#-½ HkÙkk ¼#-½ udnhdj.k ¼#-½
jkf'k ¼#-½
1- Jh ,l ,y tSu] ,eMh ,oa lhbZvks 1437800.00 433394.00 12324.00 143780.00 - - - 2027298.00
2- lqJh in~etk pqUMw:] iwoZ&,eMh ,oa lhbZvks 1102500.00 236793.00 13464.00 110250.00 127471.50 - 2439059.55 4029538.05
3- Jh oh oh 'ks.k‚;] dk;Zikyd funs'kd 2301600.00 611520.00 23184.00 230160.00 109746.00 - - 3276210.00
4- Jh ds jkepUæu] iwoZ&dk;Zikyd funs'kd 562800.00 95676.00 - 56280.00 109746.00 - 2194920.00 3019422.00
5- Jh bejku vehu flíhdh] dk;Zikyd funs'kd 2121600.00 562224.00 21216.00 212160.00 82714.66 - - 2999914.66
6- Jh v'ouh dqekj] dk;Zikyd funs'kd 946735.48 291605.94 11569.16 94673.00 540004.23 - - 1884588.36

orZeku esa vius funs'kdksa ds fy, cSad dk dksbZ LVkd vkI'ku Iyku ugha gSA
iw.kZdkfyd funs'kdksa dks Hkqxrku fd, x, osru vkSj çksRlkgu jkf'k Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj gSA
Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj 18-01-2019 ls xSj&dk;Zikyd funs'kdksa dks çR;sd cksMZ cSBd esa mifLFkr gksus gsrq `40]000@& vkSj lfefr dh
cSBdksa esa mifLFkr gksus gsrq `20]000@& cksMZ cSBdksa dh v/;{krk gsrq vfrfjä `10000@& rFkk lfefr dh cSBdksa dh v/;{krk gsrq vfrfjä `5000@& dk
Hkqxrku ¼`15 yk[k çfro"kZ ds v/khu½ fd;k tk jgk gSA rFkkfi] cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e 1970 dh /kkjk 9¼3½¼ch½ vkSj 9¼3½¼lh½
ds varxZr Øe'k% cSad ds çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh] dk;Zikyd funs'kdksa vkSj ljdkj rFkk vkjchvkbZ }kjk ukfer funs'kdksa dks flfVax 'kqYd
dk Hkqxrku ugha fd;k tkrk gSA
6- Qsfefy;jkbts'ku dk;ZØe%
Lora= funs'kdksa ds fy, fd, x, Qsfefy;jkbts'ku dk;ZØeksa dk fooj.k cSad dh osclkbV www.indianbank.in ij miyC/k gSA

7- vke cSBdsa%
7-1 cSad dh foxr rhu okf"kZd vke cSBdksa dk fooj.k fuEukuqlkj gS%

cSBd dk Lo:i frfFk vkSj le; LFkku mís';

rsjgoha okf"kZd c`gLifrokj] 27 twu best] ,evkjlh uxj] jktk ;FkkfLFkfr 31 ekpZ] 2019 dks cSad ds ys[kkijhf{kr rqyu i=] mä frfFk dks
vke cSBd 2019] iwokZà 10-30 vUukeySiqje] psUuS 600028 lekIr o"kZ gsrq cSad ds ykHk vkSj gkfu ys[kk] ys[kkvksa }kjk doj dh xbZ vof/k
cts gsrq cSad ds fØ;k dyki ds laca/k esa funs'kd eaMy dh fjiksVZ rFkk rqyui= ,oa
ys[kkvksa ij ys[kkijh{kdksa dh fjiksVZ ij ppkZ] vuqeksnu vkSj vaxhdj.kA

'kqØokj] 07 vxLr ohlh @ vks,oh,e ds ;FkkfLFkfr 31 ekpZ] 2020 dks cSad ds ys[kkijhf{kr rqyu i=] mä frfFk dks
pkSngoha okf"kZd
2020] iwokZà 11-00 cts ek/;e ls lekIr o"kZ gsrq cSad ds ykHk vkSj gkfu ys[kk] ys[kkvksa }kjk doj dh xbZ vof/k
vke cSBd
gsrq cSad ds fØ;k dyki ds laca/k esa funs'kd eaMy dh fjiksVZ rFkk rqyui= ,oa
ys[kkvksa ij ys[kkijh{kdksa dh fjiksVZ ij ppkZ] vuqeksnu vkSj vaxhdj.kA

'kqØokj] 16 tqykbZ] ohlh @ vks,oh,e ds 1- ;FkkfLFkfr 31 ekpZ] 2021 dks cSad ds ys[kkijhf{kr rqyu i=] mä frfFk dks
ianzgoha okf"kZd 2021] iwokZà 11-00 cts ek/;e ls lekIr o"kZ gsrq cSad ds ykHk vkSj gkfu ys[kk] ys[kkvksa }kjk doj dh xbZ
vke cSBd vof/k gsrq cSad ds fØ;kdyki ds laca/k esa funs'kd eaMy dh fjiksVZ rFkk
rqyui= ,oa ys[kkvksa ij ys[kkijh{kdksa dh fjiksVZ ij ppkZ] vuqeksnu vkSj
vaxhdj.kA
2- bfDoVh 'ks;jksa ij ykHkka'k dh ?kks"k.kkA

- 60 -
7-2 mijksä rhuksa okf"kZd vke cSBdksa esa dksbZ fo'ks"k ladYi ikfjr ugha fd;k x;kA
7-3 fnukad 16-07-2021 dks vk;ksftr okf"kZd vke cSBd esa fuEufyf[kr funs'kd mifLFkr Fks%

lqJh in~etk pqUMw: iwoZ ,eMh ,oa lhbZvks ¼v/;{k½

Jh oh oh 'ks.k‚; dk;Zikyd funs'kd

Jh bejku vehu fln~nhdh dk;Zikyd funs'kd

Jh ,l ds ikf.kxzgh iwoZ vkjchvkbZ }kjk ukfer funs'kd

M‚- Hkjr —".k 'kadj 'ks;j/kkjd funs'kd

foÙkh; o"kZ 2021&22 ds nkSjku iksLVy cSyV }kjk dksbZ fo'ks"k ladYi ikfjr ugha fd;k x;kA

8- fOgly Cyksvj uhfr @ lrdZrk ra= %

cSad viuh lHkh xfrfof/k;ksa vkSj ifjpkyu esa] loksZPp uhfrijd ekunaMksa] fu"Bk ,oa O;kolkf;drk ds fy, çfrc) gS vkSj blus cSad ds deZpkfj;ksa @
vf/kdkfj;ksa }kjk Hkz"Vkpkj] dnkpkj] vf/kdkjksa ds nq#i;ksx dks jksdus ds fy, ç.kkfy;ka vkSj çfØ;kfof/k;ka fu/kkZfjr dh gSaA cSad us LVkQ lnL;ksa @
vf/kdkfj;ksa] xzkgdksa vkSj cSad ds laidZ esa vkusokyh vke turk ds chp dk;Z djrs le; vFkok ysunsu djrs le; eqä ,oa ikjn'khZ ç.kkyh dks çksRlkfgr fd;k
gSA

cSad dsUæh; lrdZrk vk;ksx dh ifjf/k esa vkrk gS vkSj bl çdkj cSad us bl laca/k esa Hkkjr ljdkj ds fn'kkfunsZ'kksa ds vuqlkj ,d fOgly Cyksvj ikfylh rS;kj
dh gSA ikfylh dk uke gS ^fOgly Cyksvj ikfylh* ftldk mís'; gS foiFku dk rqjar irk yxkuk vkSj mldk U;wure laHko le; esa fuiVku djukA cSad ds
vf/kdkfj;ksa ,oa deZpkfj;ksa esa ;g çpkfjr fd;k x;k gS fd muds }kjk ukeksa ds çdVhdj.k dh xksiuh;rk lqfuf'pr dh tk,xh vkSj fOgly Cyksvj dks fdlh
çdkj ds O;fäxr çfr'kks/k] tSls viekfur djuk] ijs'kku djuk vFkok vU; vuqfpr dkjZokbZ djuk vFkok mlds lkoZtfud fgr çdVhdj.k ds dkj.k gqbZ
gkfu dh HkjikbZ djkus tSlh dkjZokbZ ls laj{k.k çnku fd;k tk,xkA uhfr dh fo"k;oLrq cSad ds osclkbV www.indianbank.in ij miyC/k gSA

cSad ds fdlh Hkh dkfeZd dks ys[kkijh{kk lfefr ls feyus ls oafpr ugha fd;k x;k gSA

9- çdVhdj.k %

¼d½ cSad us lkekU; cSafdax O;olk; esa fd, tkus okys dk;ksaZ ls brj vius çeksVj @ funs'kdksa] çeq[k çca/kdh; dkfeZdksa] çca/ku vkSj muds lacaf/k;ksa vkfn ds
lkFk dksbZ ,sls egRoiw.kZ ysunsu ugha fd, gSa ftuls lexzr% cSad ds fgrksa ds lkFk Vdjko dh laHkkouk gksA

¼[k½ cSad us iw¡th cktkj ls lacaf/kr leLr vis{kkvksa dk vuqikyu fd;k gS rFkk LV‚d ,Dlpsatksa vFkok lsch }kjk cSad ij dksbZ vFkZnaM ugha yxk;k x;k gS vkSj
u gh bldh vkykspuk dh xbZ gSA

¼x½ jk"Vªh;—r cSadksa gsrq ;Fkkç;ksT; lhek rd lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 dh vis{kk dk cSad us ikyu fd;k gSA

¼?k½ cSad us ^HkkSfrd vuq"kaxh ds fuèkkZj.k gsrq uhfr^ cukbZ gS vkSj ;g cSad dh osclkbV www.indianbank.in ij miyC/k gSA

¼³½ cSad esa nks lwphc) vuq"kaxh daifu;k¡ gSa baMcSad epZsUV cSafdax lfoZlsl fyfeVsM ,oa baMcSad gkmflax fyfeVsM vkSj nksuksa ^^HkkSfrd vuq"kaxh daifu;k¡^^ ugha
gSaA nks vuq"kafx;ksa ds vfrfjä cSad ds ikl ;qfuolZy lksEiks tujy bU';ksjsal daiuh fyfeVsM vkSj ,,lvkjbZlh ¼bafM;k½ fyfeVsM uked nks la;qä m|e
Hkh gSaA

¼p½ cSad us dk;ZLFky ij efgykvksa dk ySafxd mRihM+u ¼fuokj.k] izfrca/k ,oa izfrrks"k½ vfèkfu;e] 2013 vkSj fu;eksa ds vuq:i ,d uhfr cukbZ gSA foÙkh; o"kZ
2021&22 ds nkSjku dksbZ Hkh f'kdk;r çkIr ugha gqbZA

¼N½ geus O;ogkfjd :i esa daiuh lfpo ls ,d çek.k i= çkIr fd;k gS fd cSad cksMZ ds fdlh Hkh funs'kd dks lsch @d‚iksZjsV ekeyksa ds ea=ky; ;k ,sls
fdlh Hkh lkafof/kd@fofu;ked çkf/kdj.k }kjk cSad ds funs'kd ds :i esa fu;qä fd, tkus ;k dk;Zdky tkjh j[kus ls oafpr ;k v;ksX; ?kksf"kr ugha
fd;k x;k gS vkSj ;g çek.k i= layXu gS o bl fjiksVZ dk Hkkx gSA

¼t½ lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 ds vuqlkj d‚iksZjsV vfHk'kklu dh 'krksZa ds vuqikyu ds laca/k esa cSad ds lkafof/kd
dsaæh; ys[kkijh{kdksa }kjk tkjh ,d çek.ki= bl fjiksVZ ds lkFk layXu gSA

- 61 -
 ¼>½ foÙkh; o"kZ 2020&2021 ds fy, lkafof/kd ys[kkijh{kdksa dks Hkqxrku fd;k x;k dqy O;kolkf;d 'kqYd vkSj vU; O;; dh jkf'k 304-85 yk[k gSA

¼¥½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e] 2015 ds fofu;e 33¼2½ ds lkFk ifBr fofu;e 17¼8½ esa fu/kkZfjr
vuqlkj cSad ds çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh rFkk eq[; foÙkh; vf/kdkjh ls ,d vuqikyu çek.ki= cksMZ ds le{k çLrqr fd;k x;k gS vkSj
okf"kZd fjiksVZ ds lkFk layXu gSA

¼V½ deksfMVh ewY; tksf[ke vkSj deksfMVh gsftax xfrfof/k;ka & ykxw ughaA

¼B½ foosdkèkhu vko’;drk,a %

lsch ¼,yvksMhvkja½ fofu;e 2015] ;Fkk la’kksf/kr] dh vuqlwph ds Hkkx bZ esa mfYyf[kr foosdk/khu vko';drkvksa ds vaxhdj.k ls lacaf/kr fooj.k
fuEufyf[kr gSa %

vko';drk vuqikyu
,- cksMZ % xSj dk;Zikyd v/;{k dks vf/kdkj gksuk pkfg, fd os lwphc) daifu;ksa ds
[kpZs ij v/;{k dk dk;kZy; cuk, j[ksa vkSj mUgsa vius dk;ZHkkj ds fuoZgu esa fd, ykxw ugha
x, O;;ksa dh çfriwfrZ Hkh dh tkuh pkfg,A

ch- 'ks;jèkkjd ds vfèkdkj % fiNys N% eghus esa çkIr foÙkh; miyfCèk;ksa dh v)Zokf"kZd ifj.kke lekpkj i=ksa esa Ádkf'kr fd, x,] cSad dh osclkbV ij
Nekgh ?kks"k.kk lfgr egRoiw.kZ ?kVukvksa dk laf{kIr fooj.k 'ks;jèkkjdksa rd igqapk;k viyksM fd, x, ,oa ;g LV‚d ,Dlpsatksa] ,u,lbZ o ch,lbZ dh osclkbVksa
tk,A ij miyC/k gSaA

lh- ys[kk ijh{kk fjiksVZ ij vk'kksfèkr vfHker% lwphc) bdkbZ v'kksfèkr ys[kk foÙkh; o"kZ 2021&22 ds fy, cSad ds foÙkh; fooj.k ij ys[kkijh{kk fjiksVZ esa
ijh{kk vfHker ds lkFk foÙkh; fooj.k dh O;oLFkk dh fn'kk esa vkxs c<+ ldrh gSA vlac) vfHker gS

Mh- vè;{k ,oa eq[; dk;Zikyd vfèkdkjh ds fy, vyx&vyx in % lwphc) vè;{k dh fu;qfä Hkkjr ljdkj }kjk dh tk,xhA
bdkbZ vè;{k ,oa çcaèk funs'kd ;k eq[; dk;Zikyd vfèkdkjh ds in ij
vyx&vyx O;fDr;ksa dks fu;qä djsaA

bZ- vkarfjd ys[kk ijh{kd dh fjiksfVZax % vkarfjd ys[kk ijh{kd lhèks ys[kk cSad }kjk laxkeh ys[kk ijh{kdksa@'kk[kkvksa ds fujh{kdksa dh fjiksVZ dks lesfdr
ijh{kk lfefr dks fjiksVZ djsaA djds vkofèkd :i ls cSad dh ys[kk ijh{kk lfefr dks çLrqr fd;k tkrk gSA

- 62 -
10- laçs"k.k ds ek/;e %
cSad çkS|ksfxdh vkSj lapkj ek/;eksa ds mUu;u vkSj fodkl ls lekt dks feyus okys ykHkksa dks ekurk gS vkSj blds lkFk gh cSad us vius fgr/kkjdksa dks muds
laca/k esa vU; lwpuk,¡ çnku djus dh vko';drk dks Hkh Lohdkj fd;k gSA cSad }kjk LV‚d ,Dlpsatksa vFkkZr ,u,lbZ vkSj ch,lbZ] tgk¡ cSad ds bfDoVh 'ks;j
lwphc) gSa] dks frekgh@Nekgh@okf"kZd foÙkh; ifj.kkeksa çsf"kr fd, tkrs gSaA foÙkh; ifj.kke lkafof/kd vis{kk ds vuqlkj ,d jk"Vªh; lekpkj i= ¼vaxzsth½]
,d jk"Vªh; lekpkj i= ¼fgUnh½ esa rFkk ,d psUuS fLFkr {ks=h; Hkk"kk ds lekpkj i= esa çdkf'kr fd;k tkrk gSA o"kZ 2021&22 ds nkSjku frekgh@v/kZokf"kZd
foÙkh; ifj.kke vxz.kh lekpkj i=ksa esa çdkf'kr fd, x, gSa vFkkZr ^^Qkbusaf'k;y ,Dlçsl ¼vaxzsth½] fctusl LVSaMMZ ¼vaxzsth½] tulÙkk ¼fganh½] fctusl
LVSaMMZ ¼fganh½] fnukef.k ¼rfey½ vkfn esa çdkf'kr fd, x, FksA ifj.kkeksa dks cSad dh osclkbV www.indianbank.in ij Hkh çnf'kZr fd;k x;kA
fo'ys"kdksa@laLFkkxr fuos'kdksa dks fd, x, çstsUVs'ku cSad dh osclkbV www.indianbank.in ij fn, x, gSaA
11- 'ks;j/kkjdksa gsrq lkekU; tkudkjh %
11-1 16oha okf"kZd vke lHkk dk fooj.k %
fnu vkSj fnukad cq/kokj] 22 twu] 2022
le; iwokZgu 11-00 cts
LFkku okf"kZd vke cSBd ohlh@vks,oh,e ds ek/;e ls lapkfyr dh tk,xh] cSad ds dkWiksZjsV dk;kZy; & 254&260] vOoS "k.eqxe
lkyS] jk;isV~Vk] psUuS dks okf"kZd vke cSBd vk;ksftr fd, tkus dk LFkku ekuk tk,xkA

11-2 foÙkh; ifj.kkeksa ds çdk'ku gsrq foÙkh; o"kZ ,oa dySaMj ¼vuafre½ %
cSad dk foÙkh; o"kZ vçSy ls ekpZ gSA
fuEufyf[kr rkjh[k dks lekIr vof/k gsrq frekgh ifj.kkeksa dk vuqeksnu
30 twu] 2022 & tqykbZ&vxLr 2022
30 flrEcj 2022 & väwcj&uoEcj 2022
31 fnlEcj 2022 & tuojh&Qjojh 2023
31 ekpZ 2023 & ys[kkijhf{kr okf"kZd ys[kk % vçSy&ebZ 2023
11-3 ykHkka'k Hkqxrku gsrq vfHkfyf[kr fnukad vkSj ykHkka'k Hkqxrku fnukad
fjdkWMZ fnukad % cq/kokj] 15 twu] 2022] ykHkka'k Hkqxrku fnukad % 15 tqykbZ] 2022
11-4 okf"kZd vke cSBd gsrq okf"kZd cqd Dykstj dh fnukad ,oa ykHkka'k Hkqxrku %
cqd&Dykstj &xq#okj] 16 twu 2022 ls cq/kokj] 22 twu] 2022 rd ¼nksuksa fnu 'kkfey gSa½
11-5 ykHkka'k %
cSad ds funs'kd eaMy us foÙkh; o"kZ 2021&22 ds fy, izfr bfDoVh 6-50 #i, ds ykHkka'k vFkkZr cSad dh iznRr bfDoVh iwath dk 65-00 izfr'kr] dh
vuq'kalk dh gSA
11-6 fyfLVax %
cSad ds bfDoVh 'ks;j us'kuy LVkd ,Dlpsat ¼,u,lbZ½ vkSj ckEcs LVkd ,Dlpsat ¼ch,lbZ½ esa lwphc) gSaA vU; fooj.k fuEukuqlkj gSa %&

LVkd ,Dlpsat LVkd dksM lwphc) djus dh rkjh[k

us'kuy LVkd ,Dlpsat vkWQ bafM;k fyfeVsM ¼,u,lbZ½] ,Dlpsat Iyktk] Iy‚V ua- lh@1] INDIANB 01.03.2007
th& Cy‚d] ckaæk dqykZ d‚EIysDl] ckaæk ¼iwoZ½] eqacbZ & 400051
ch ,l bZ fyfeVsM ¼ch,lbZ½] ih-ts- VkolZ] nyky LVªhV] eqacbZ & 400001 INDIANB / 532814 01.03.2007

foÙk o"kZ 2022&23 gsrq okf"kZd lwphc)rk 'kqYd mi;qZä LV‚d ,Dlpsatksa dks igys gh foçsf"kr fd;k tk pqdk gSA
11-7 vuqikyu vf/kdkjh %
Jh nhuk ukFk dqekj] lgk;d egkçca/kd vkSj daiuh lfpo dks cSad ds vuqikyu vf/kdkjh ds :i esa ukfer fd;k x;k gSA

- 63 -
11-8 cktkj ewY; vkadM+s %
foÙkh; o"kZ 2021&22 ds nkSjku Hkkjrh; us'kuy LV‚d ,Dlpsat fy-¼,u,lbZ½ vkSj ch,lbZ fy- ¼ch,lbZ½ esa VªsfMax fd, x, 'ks;jksa dh ek=k vkSj ekfld mPp
,oa fuEu dksVs'kuksa dk fooj.k fuEuor jgk %
,u,lbZ ch,lbZ dqy
ekg fuEu ifjek.k mPp fuEu ifjek.k ifjek.k
mPp
¼`½ ¼ua- yk[kksa esa½ ¼`½ ¼`½ ¼ua- yk[kksa esa½ ¼ua- yk[k esa½
vçSy 2021 122.65 96.05 528.30 122.50 96.20 37.07 565.37
ebZ 2021 149.00 107.05 1263.11 148.85 107.00 81.33 1344.44
twu 2021 155.50 133.35 1068.53 155.45 133.30 67.18 1135.71
tqykbZ 2021 145.80 134.25 607.75 146.05 137.35 40.77 648.52
vxLr 2021 143.50 115.10 487.77 143.50 119.40 25.32 513.09
flracj 2021 144.30 121.15 616.39 144.20 125.00 39.32 655.72
vDVwcj 2021 194.95 137.05 1909.22 194.80 141.15 142.89 2052.11
uoacj 2021 184.60 141.00 809.18 184.60 147.15 66.99 876.16
fnlacj 2021 165.90 133.25 587.59 165.55 137.55 44.52 632.11
tuojh 2022 160.70 130.90 606.51 160.35 136.40 44.91 651.42
Qjojh 2022 178.70 135.00 1032.98 178.70 143.90 67.41 1100.39
ekpZ 2022 157.20 131.50 482.84 157.50 139.10 29.56 512.41

11-9 bUMsDl ¼fu¶Vh&50 ,oa ,l ,aM ih ch,lbZ lsalsDl½ dh xfrfof/k dh rqyuk esa cSad ds 'ks;jksa dk dk;Zfu"iknu fuEuor gS %

,u,lbZ esa cSad ds 'ks;jksa dk ,l ,aM ih ch,lbZ

fnukad fu¶Vh&50 ¼vafre½
vafre ewY; ¼`½ lsalsDl ¼vafre½
vçSy 2021 110.00 14631.10 48782.36
ebZ 2021 139.95 15582.80 51937.44
twu 2021 144.70 15721.50 52482.71
tqykbZ 2021 139.00 15763.05 52586.84
vxLr 2021 125.00 17132.20 57552.39
flracj 2021 140.35 17618.15 59126.36
vDVwcj 2021 172.10 17671.65 59306.93
uoacj 2021 142.80 16983.20 57064.87
fnlacj 2021 139.60 17354.05 58253.82
tuojh 2022 156.70 17339.85 58014.17
Qjojh 2022 143.15 16793.90 56247.28
ekpZ 2022 153.90 17464.75 58568.51

11-10 jftLVªkj ,oa 'ks;j VªkUlQj ,tsaV %

dsfe;ks d‚iksZjsV lfoZlst fyfeVsM] lqczef.k;u fcfYMax 1] Dyc gkml jksM psUuS&600 002 cSad ds bfDoVh 'ks;jksa ds fy, cSad dk jftLVªkj vkSj 'ks;j VªkalQj
,tsaV gSA
11-11 'ks;j varj.k ç.kkyh %
1- lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 ds fofu;e 40¼1½ ;Fkkla'kksf/kr ds vuqlkj] 'ks;j@çfrHkwfr;ksa ds varj.k ;k LFkkukUrj.k
ds vuqjks/kksa ij cSad ds vkjVh,@cSad }kjk rc rd dkjZokbZ ugha dh tk,xh tc rd fd 'ks;j@çfrHkwfr;ksa dks MhesfVfj;ykbTM :i esa ugha j[kk tkrk gSA
2- ftu fuos'kdksa ds ikl HkkSfrd :i esa 'ks;j miyC/k gSa ,oa os 'ks;jksa dk varj.k djus ds bPNqd gSa rks os 'ks;j ds MhesfVfj;ykbTM gksus ds ckn ,slk dj
ldrs gSaA

- 64 -
11-12 31-03-2022 dks ;FkkfLFkfr 'ks;j/kkfjrk dk forj.k %

'ks;j/kkfjrk 'ks;j/kkjdksa dh la[;k dqy 'ks;j/kkjdksa dqy 'ks;jksa dk çfr'kr

dk çfr'kr 'ks;jksa dh la[;k
1 - 500 331848 93.00 26109330 2.10
501 - 1000 13757 3.86 10714705 0.86
1001 - 2000 6607 1.85 9749280 0.78
2001 - 3000 1706 0.48 4318368 0.35
3001 - 4000 731 0.20 2606189 0.21
4001 - 5000 667 0.19 3150932 0.25
5001 - 10000 807 0.23 5797986 0.46
10001 ,oa mlls vf/kd 694 0.19 1182994349 94.99
dqy 356817 100.00 1245441139 100.00

11-13 'ks;jksa dk fMesfVfj;ykbts'ku %

cSad ds 'ks;jksa dh VªsfMax vfuok;Z :i ls fMeSV Q‚eZ esa dh tkrh gSA cSad ds bfDoVh 'ks;jksa dk vkbZ,lvkbZ,u dksM INE562A01011 gSA
31-03-2022 dks ;FkkfLFkfr cSad ds 1243955102 bfDoVh 'ks;j] fMesfVfj;ykbt gSa tks bfDoVh 'ks;jksa dk 99-88 çfr'kr gSA
31-03-2022 dks ;FkkfLFkfr 'ks;j/kkjdksa }kjk MheSV vkSj HkkSfrd :i esa j[ks x, 'ks;jksa dk fooj.k fuEukuqlkj gS %
'ks;j/kkjdksa dh 'ks;j/kkjdksa dk Áfr'kr 'ks;jksa dh la[;k 'ks;j/kkfjrk dk Áfr'kr
'ks;j/kkj.k la[;k
HkkSfrd :i 42701 11.97 1486037 0.12
fMesfVfj;ykbTM ,u,lMh,y 178875 50.13 212532201 17.06
lhMh,l,y 135241 37.90 1031422901 82.82
MheSV :i 356817 100.00 1245441139 100.00

31-03-2022 dks ;FkkfLFkfr Hkkjr ljdkj }kjk /kkfjr #- 10@& ds vafdr ewY; okys dqy bfDoVh 'ks;jksa dh la[;k 994549600 gS tks cSad dh çnÙk iwath dk 79-86 çfr'kr
gSA
11-14 vkt dh frfFk esa dksbZ thMhvkj@,Mhvkj@okjaV ;k vU; dUofVZcy baLVªwesaV cdk;k ugha gSA
11-15 fons'kh eqæk tksf[ke vkSj gsftax xfrfof/k;ka %
vksojlht+ mifLFkfr ds dkj.k cSad dks fons'kh eqæk tksf[keksa ds ,Dlikstj dh laHkkouk gSA ;|fi cSad dk fons'kh eqæk ,Dlikstj de egRo dk gS fdUrq ,oa eqnzk
vrajky foosdiw.kZ ifjf/k easa gh gSA cSysal 'khV dh rkjh[k ij cdk;k fons'kh eqæk Li‚V vkSj ok;nk vuqca/kksa vkSj O;kikj ds fy, /kkfjr dk iquewZY;kadu
,QbZMh,vkbZ }kjk vf/klwfpr Dyksftax Li‚V vkSj Q‚joMZ njksa ij vkSj varfje ifjiDork ds vuqca/kksa ds fy, baVjiksysVsM njksa ij fd;k tkrk gSA
vjf{kr fons'kh eqæk ,Dlikstj ds lanHkZ esa cSad us viuh ns;rkvksa dk vkdyu m/kkjdrkZvksa dh ?kks"k.kk ds vk/kkj ij fd;k gS vkSj vkjchvkbZ fn'kkfunsZ'kksa ds
vuqlkj bls gh miyC/k djok;k x;k gSA miyC/k MkVk] miyC/k foÙkh; fooj.k ,oa tgka dgha Hkh m/kkjdrkZvksa ls ?kks"k.kk,¡ çkIr gqbZ gSa] bu lHkh ds vk/kkj ij
cSad us vkjchvkbZ ifji= MhchvksMh- la-chih-chlh- 85@21-06-200@2013&14 fnukafdr 15 tuojh] 2014 ,oa ifji= la[;k MhchvksMh-la-chih-chlh- 116@21
06-200@2013&14 fnukafdr 3 twu] 2014 ds }kjk rRi'pkr Li"Vhdj.k dh 'krksaZ ds vuqlkj 31 ekpZ] 2022 dks vius ?kVdksa dh vjf{kr fons'kh eqæk ,Dlikstj
esa ns;rk,¡ dqy 3-88 djksM+ #i, ¼xr o"kZ 9-48 djksM+ #i,½ crkbZA laiw.kZ vuqekfur jkf'k ds fy, iw.kZ :i ls çko/kku fd;k x;k gSA
11-16 ykHkka'k forj.k uhfr %

cSad dh ykHkka'k forj.k uhfr cSad dh osclkbV www.indianbank.in ij miyC/k gS

11-17- DokfyQkbM baLVhVîw'ku IyslesaV ¼D;wvkbZih½ ds ek/;e ls cSad }kjk tqVkbZ xbZ fuf/k dk mi;ksx%
foÙkh; o"kZ 2021&22 ds nkSjku] cSad us ik= DokfyQkbM baLVhVîw'kuy ck;lZ ¼D;wvkbZch½ dks b';w ds ek/;e ls çhfe;e lfgr dqy 1650@& djksM+ #i;s dh
bfDoVh iwath tqVkbZ vkSj 10 #i;s vafdr ewY; ds 11]60]74]569 u, bfDoVh 'ks;jksa dk vkoaVu fd;kA twu] 2021 esa #i;s 142-15 çfr 'ks;j ds fuxZe ewY; ij]
ftlesa 132-15 #i;s çfr bfDoVh 'ks;j dk çhfe;e 'kkfey gSA
mä D;wvkbZih ls çkIr jkf'k dk] cSad }kjk fodkl dks leFkZu nsus vkSj cSad dh lkekU; d‚iksZjsV vko';drkvksa ds fy, vkjchvkbZ ds csly III ekunaMksa ds rgr
fV;j 1 iwath vko';drk dks c<+kus ds fy, mi;ksx fd;k x;k gSA

- 65 -
12- 'ks;j varj.k ,oa fuos'kd f'kdk;r fuokj.k %
cSad us dsfe;ks d‚iksZjsV lfoZlst fyfeVsM dks jftLVªkj ,oa 'ks;j varj.k ,tsaV ds :i esa fu;qä fd;k gS tks fuos'kdksa dh f'kdk;rksa ds lek/kku] rFkk irs esa
ifjorZu] 'ks;jksa ds varj.k@çs"k.k] vf/kns'k esa ifjorZu vkfn ds laca/k esa 'ks;j/kkjdksa ds vuqjks/k dks ntZ djrk gSA fuos'kdksa dh lqfo/kk gsrq mudh f'kdk;rsa cSad
ds d‚iksZjsV dk;kZy;] psUuS esa Hkh Lohdkj dh tkrh gSaA lsch ds ekStwnk fn'kkfunsZ'kksa ds vuqlkj] HkkSfrd :i esa /kkfjr 'ks;jksa ds varj.k gsrq vuqjks/kksa dks 01-04-
2019 ls lalkf/kr ugha fd;k tk jgk gSA
MheSVhfj;ykbTM :i esa /kkfjr 'ks;jksa ds fy,] irs vkSj@;k cSad eSaMsV ¼cSad dk uke] irk] [kkrk la[;k] ,evkbZlhvkj dksM vkfn½ esa fdlh Hkh çdkj dk cnyko
djokus ds fy,] fjd‚MZ dks viMsV djus ds fy, 'ks;j/kkjdksa dks lh/ks vius fMi‚ftVjh ikfVZflisaV ¼Mhih½ ls laidZ djuk pkfg,A
fuos'kd vius vuqjks/k@f'kdk;rsa ;k rks cSad ds jftLVªkj ,oa 'ks;j varj.k ,tsaV ¼vkjVh,½ vFkok cSad esa fuEufyf[kzr irs ij ntZ dj ldrs gSa %&

dsfe;ks d‚iksZjsV lfoZlst fyfeVsM lsok esa]

¼bdkbZ % bafM;u cSad½ daiuh lsØsVjh
lqczef.k;u fcfYMax fuos'kd lsok d{k
1] Dyc gkml jksM bafM;u cSad] d‚iksZjsV v‚fQl
psUuS& 600 002 254&260] vOoS "k.keqxe lkyS
j‚;isêk] psUuS & 600014
VsyhQksu % ¼9144½ 28460718 VsyhQksu % 044&28134076
QSDl % ¼9144½ 28460129 QSDl % 044&28134075
bZ&esy % investor@cameoindia.com bZ&esy % investors@indianbank.co.in

12.1 çkIr] fuLrkfjr ,oa yafcr f'kdk;rksa dh la[;k %

'ks;j/kkjdksa ls cSad }kjk çkIr dh xbZ f'kdk;rksa ds fuokj.k gsrq cSad ds vkjVh, dks vxzsf"kr dj fn;k tkrk gSA foÙkh; o"kZ 2021&22 ds nkSjku çkIr ,oa
fuLrkfjr rFkk fnukad 31-03-2022 dks yafcr vuqjks/kksa f'kdk;rksa dk fooj.k fuEuor gS %&

;FkkfLFkfr 01-04-2021 fofRrh; o"kZ 2021&22 2021&22 ds ;FkkfLFkfr 31-03-2022

dks yafcr ds nkSjku çkIr nkSjku fuLrkfjr dks yafcr
f'kdk;rksa@vuqjks/kksa dh la[;k 'kwU; 77 76 01

13 MheSV mpar [kkrk@vnkoh mpar [kkrk ds laca/k esa çdVhdj.k %

MheSV mpar [kkrs esa j[ks vnkoh 'ks;jksa dk fooj.k fuEukuqlkj gS %
o"kZ ds vkjaHk esa vFkkZr 01-04-2021 dks mpar [kkrs esa j[ks x, cdk;k 'ks;jksa vkSj 'ks;j/kkjdksa 'ks;j/kkjd & 33
dh dqy la[;k 'ks;j & 3862

o"kZ ds nkSjku mpar [kkrs ls 'ks;jksa ds varj.k gsrq lwphc) laLFkk ls laidZ djus okys
'ks;j/kkjdksa dh la[;k 'kwU;

o"kZ ds nkSjku mpar [kkrs ls 'ks;j varfjr djus okys 'ks;j/kkjdksa dh la[;k 'kwU;

o"kZ ds var esa vFkkZr 31-03-2022 dks mpar [kkrs esa j[ks x, cdk;k 'ks;jksa vkSj 'ks;j/kkjdksa dh 'ks;j/kkjd & 33
dqy la[;k 'ks;j & 3862

- 66 -
 oS/k Lokeh }kjk nkok fd, tkus rd vnkoh@cdk;k 'ks;jksa ds laca/k esa erkf/kdkj vo#) jgsxkA oS/k LokfeRo okys O;fDr ls oS/k nkok çkIr gksus ij MhesV mpar [kkrs esa j[ks
x, 'ks;jksa dks nkosnkj dks ØsfMV fd;k tkrk gSA
14 'ks;j/kkfjrk lajpuk ¼31-03-2022 dks ;FkkfLFkfr½ %
Js.kh 'ks;j /kkjdksa dh la[;k /kkfjr 'ks;jksa dh la[;k 'ks;j/kkfjrk Áfr'kr
Hkkjr ljdkj ¼Hkkjr ds jk"Vªifr½ & çeksVj 1 994549600 79-86
E;qpqvy QaM* 18 87307716 7-01
fons'kh iksVZQksfy;ks fuos'kd ¼,QihvkbZ½ ,oa fons'kh laLFkkxr
fuos'kd ¼,QvkbZvkbZ½* 66 21469378 1-72
oSdfYid fuos'k fuf/k;ka 2 5226605 0-42
chek daifu;k¡ * 10 45936600 3-69
foÙkh; laLFkk,a@cSad 2 248 0-00
fuoklh O;fä 309933 63666916 5-11
fuxfer fudk; 962 7545454 0-61
funs'kd ,oa muds laca/kh 6 7890 0-00
deZpkjh 31855 14033535 1-13
fDy;fjax lnL; 128 845458 0-07
fgUnw vfoHkkftr ifjokj ¼,p;w,Q½ 3645 2579378 0-21
vfuoklh Hkkjrh; 3039 2162179 0-17
U;kl 17 102299 0-01
dsaæ ljdkj @ jkT; ljdkj¼vksa½@ Hkkjr ds jk"Vªifr u‚u çeksVj 1 4021 0-00
vnkoh 'ks;j MhesV mpar [kkrk 2 3862 0-00
dqy 349687 1245441139 100-00

*lkekU; ih,,u ds vk/kkj ij lesfdr

15- us'kuy vkVksesVsM fDy;fjax gkml ¼,u,lh,p½ ds ek/;e ls ykHkka'k dk Hkqxrku %
us'kuy vkVksesVsM fDy;fjax gkml ¼,u,lh,p½] Hkkjrh; jk"Vªh; Hkqxrku fuxe }kjk dk;kZfUor ykHkka'k ds Hkqxrku dh ,d dsUæh;—r ç.kkyh gS ftlesa fuos'kd
dh jde lh/ks mlds cSad [kkrs esa tek dh tk ldrh gSA cSad vius 'ks;j/kkjdksa dks muds cSad [kkrs esa ykHkka'k lh/ks tek djus dh lqfo/kk dk fodYi miyC/k
djokrk gSA rFkkfi 'ks;j/kkjd dk cSad [kkrk cSad@cSadksa dh dsUæh;—r cSafdax lkY;w'ku ¼lhch,l½ 'kk[kk esa gksuk pkfg,A
16- vnkoh ykHkka'k] ;fn dksbZ gks %
cSafdax daiuh ¼miØeksa dk vf/kxzg.k vkSj gLrkarj.k½ vf/kfu;e] 1970 dh /kkjk 10ch ds vuqlkj] dksbZ Hkh iSlk tks voSrfud ykHkka'k [kkrs esa LFkkukarfjr fd;k tkrk
gS vkSj gLrkarj.k dh rkjh[k ls lkr lky dh vof/k ds fy, Hkqxrku@nkok ugha fd;k tkrk gS] rks mls daiuh vf/kfu;e] 1956@2013 dh /kkjk 205lh@125 ds
rgr LFkkfir ^fuos'kd f'k{kk vkSj laj{k.k dks"k* dks gLrkarfjr fd;k tk,xkA
Hkkjr ljdkj] foÙk ea=ky; ds fnukad 21-05-2014 ds i= la[;k ,Q-la-7@93@2013&chvks, ds funs'kksa@fn'kkfunsZ'kksa ds vuqikyu esa] foÙkh; o"kZ 2013 &14 rd
cSad dh vnRr vkSj nkok u dh xbZ ykHkka'k jkf'k dks dsaæ ljdkj ds ^fuos'kd f'k{kk vkSj laj{k.k dks"k* esa LFkkukarfjr dj fn;k x;k gSA
ftu 'ks;j/kkjdksa us foÙkh; o"kZ 2014&15 vkSj mlds ckn cSad }kjk ?kksf"kr ykHkka'k okjaV] ;fn dksbZ gks] dk udnhdj.k ugha fd;k gS] rks muls vuqjks/k gS fd os viuk
oS/k nkok muds cSad fooj.k ds lkFk] ,ubZ,QVh@Mk;jsDV ØsfMV ds ek/;e ls mls@mls voSrfud ykHkka'k okjaV dh vk; ds fy, jftLVªkj vkSj 'ks;j VªkalQj
,tsaV] dSfe;ks d‚jiksjsV lfoZlst fyfeVsM] lqcze.;e fcfYMax] ua- 1] Dyc gkml jksM] psUubZ & 600 002 dks çsf"kr djsaA

vnRr ykHkka'k okjaV dk fooj.k cSad dh osclkbV www.indianbank.inij miyC/k djk;k x;k gSA
17- lacaf/kr i{kdkj ysunsu %
foÙkh; o"kZ 2021&22 ds nkSjku cSad us lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 ds varxZr ifjHkkf"kr dksbZ rkfRod lacaf/kr i{kdkj ysunsu
ugha fd;k gSA lacaf/kr i{kdkj ysunsu dh ikfylh cSad dh osclkbV www.indianbank.in ij miyC/k gSA

- 67 -
18- 31-03-2022 dks ;FkkfLFkfr cSad }kjk tkjh ckaM@_.k fy[krksa dk fooj.k vkSj cdk;k %
31-03-2022 dks ;FkkfLFkfr cSad }kjk tkjh cdk;k ckaMksa dk fooj.k fuEukuqlkj gS %

jkf'k 31-03-2022 dks ;FkkfLFkfr ØsfMV jsfVax ,tsafl;ksa ckaM VªLVh dk uke
fooj.k vkbZ,lvkbZ,u ¼` djksM+ esa½ ds uke ,oa irk
mRre jsfVax

csly III vuqikfyr

INE562A08057 1048
,Vh 1 ckaM lhjht II
ds;j
csly III vuqikfyr INE562A08065 560
,,$@fLFkj
,Vh 1 ckaM lhjht III fØfly
,,$@fLFkj
,fDll VªLVh
csly III vuqikfyr INE562A08073 392 ds;j jsfVax fyfeVsM
,Vh 1 ckaM lhjht IV lfoZlst fyfeVsM
,oa fØfly jsfVax fyfeVsM
n :ch]
f}rh; ry]
csly III vuqikfyr ds;j ,,,@fLFkj
INE562A08024 290 ,lMCY;w 29]
Vh;j 2 ckaM Vªsap , fØfly ,,,@fLFkj
lsukifr ckiV ekxZ]
nknj if'pe]
csly III vuqikfyr INE562A08032 110
eqacbZ & 400 028
Vh;j 2 ckaM Vªsap ch

csly III vuqikfyr INE562A08040 600

Vh;j 2 ckaM Vªsap lh

vkbZMhchvkbZ VªLVhf'ki
fØfly jsfVax fyfeVsM lfoZlst fyfeVsM
csly III vuqikfyr fØfly ,,,@fLFkj ,f'k;u fcfYMax]
INE428A08028 500 ,oa fczdodZ jsfVax
Vh;j 2 ckaM lhjht I chMCY;wvkj ,,,@fLFkj bafM;k çkbZosV fyfeVsM Hkwry]17] vkj-
dekuh ekxZ] cYykMZ
eqacbZ & 400 001

fØfly ,,,@fLFkj fØfly jsfVax fyfeVsM ,fDll VªLVh

csly III vuqikfyr INE428A08044 1000
,oa fczdodZ jsfVax
Vh;j 2 ckaM lhjht II chMCY;wvkj ,,,@fLFkj bafM;k çkbZosV fyfeVsM lfoZlst fyfeVsM
n :ch]
f}rh; ry]
ds;j ,,,@fLFkj bafM;k jsfVax ,aM fjlpZ ,lMCY;w 29]
csly III vuqikfyr çkbZosV fyfeVsM ,oa lsukifr ckiV ekxZ]
Vh;j 2 ckaM INE428A08051 1000 baMvkj nknj if'pe]
ds;j jsfVax fyfeVsM
lhjht III ,,+$@fLFkj eqacbZ & 400 028

csly III vuqikfyr fØfly ,,,@fLFkj bafM;k jsfVax ,aM fjlpZ

Vh;j 2 ckaM INE428A08101 1500 baMvkj çkbZosV fyfeVsM ,oa
fØfly jsfVax fyfeVsM
lhjht IV ,,+$@fLFkj

INE562A08081 2000
csly III vuqikfyr ds;j ,,,@fLFkj ds;j jsfVax fyfeVsM ,oa
Vh;j 2 ckaM fØfly ,,,@fLFkj fØfly jsfVax fyfeVsM
lhjht V

dqy 9000

- 68 -
vU; ØsfMV jsfVax %

mijksDr ds vfrfjDr cSad us vius lfVZfQdsV QkWj fMiksftV Áksxzke ds fy, Hkh ØsfMV jsfVax ,oa ,l o ih Xykscy jsfVax ÁkIr dh gSA

Ø- ØsfMV jsfVax ,tsalh dk uke baLVªwesaV @ jsfVax dk Ádkj jkf'k ¼` djksM+ esa½ 31-03-2022 dks ;FkkfLFkfr
la- mRre jsfVax

1 fØfly jsfVax fyfeVsM lfVZfQdsV QkWj fMiksftV~l 25]000 fØfly ,1+$

2 ,l o ih Xykscy jsfVax tkjhdrkZ ØsfMV jsfVax & chchch&@fLFkj@,&3

19- vkpkj lafgrk

cSad us funs'kd eaMy vkSj ofj"B çca/ku dkfeZdksa gsrq ç;ksT; ^^vkpkj lafgrk** rS;kj dh gS vkSj bls cksMZ }kjk vaxh—r fd;k x;k gS rFkk ;g cSad dh osclkbV
vFkkZr www.indianbank.in ij Hkh miyC/k gSA

cksMZ ds lnL;ksa vkSj ofj"B çca/ku us okf"kZd vk/kkj ij lafgrk ds vuqikyu dh iqf"V dh gS vkSj çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh dh vksj ls dh xbZ
bl vk'k; dh ?kks"k.kk bl çfrosnu dk va'k gSA
20- dkWiksZjsV vfHk'kklu dh 'krksZa ds vuqikyu dk çek.ki=

lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e] 2015 dh 'krksZ ds vuqlkj dkiksZjsV vfHk'kklu dh 'krksZa ds vuqikyu ls lacaf/kr cSad ds lkafof/kd
dsUæh; ys[kkijh{kdksa }kjk tkjh çek.ki= layXu fd;k x;k gSA

—rs funs'kd eaMy

¼,l- ,y- tSu½

çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh
fnukad % 11-05-2022
LFkku : psUuS

- 69 -
 lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e] 2015
dh vuqlwph V ds iSjk Mh ds vuqlj.k esa ?kks"k.kk

;g ?kks"k.kk dh tkrh gS fd cSad ds cksMZ lnL;ksa vkSj ofj"B çca/ku dfeZ;ksa ¼vFkkZr egkçca/kdx.k½ us lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½
fofu;e] 2015 ds fofu;e 26 ¼3½ dh 'krksZ ds vuqlj.k esa 31 ekpZ] 2022 dks lekIr foÙkh; o"kZ gsrq vkpkj lafgrk ds vuqikyu dh Lohdkjksfä nh gSA

mä vkpkj lafgrk] cSad dh osclkbV www.indianbank.in ij miyC/k gS

¼,l- ,y- tSu½

çca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh

fnukad : 11-05-2022
LFkku : psUuS

- 70 -
 dkiksZjsV vfHk'kklu dh 'krksaZ ds vuqikyu ij ys[kkijh{kdksa dk çek.ki=
lsok esa

bafM;u cSad ds lnL;x.k

¼,½ ge çekf.kr djrs gSa fd cSad us lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k
geus lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 ds
vis{kk,a½ fofu;e 2015 esa fu/kkZfjr dkiksZjsV vfHk'kklu dh 'krksaZ dk
fofu;e 17 ls fofu;e 27 vkSj fofu;e 46 ¼2½ ¼ch ls vkbZ½ esa ;Fkk fu/kkZfjr
vuqikyu fd;k gS] tgk¡ rd fd ;g Hkkjrh; fjtoZ cSad @ Hkkjr ljdkj
vuqca/kksa ds vuqlkj 31 ekpZ] 2022 dks lekIr o"kZ gsrq bafM;u cSad] ds dkiksZjsV
ds fn'kkfunsZ'kksa dk mYya?ku ugha djrkA
vfHk'kklu dh 'krksaZ ds vuqikyu dh tk¡p dh gSA
¼ch½ gesa ;g dguk gS fd cSad ds jftLVªkj ,oa 'ks;j varj.k ,tsaV }kjk ;Fkk
dkiksZjsV vfHk'kklu dh 'krksaZ ds vuqikyu dh ftEesnkjh çca/ku dh gSA gekjh
çekf.kr ,oa LVsd/kkjd laidZ lfefr }kjk j[ks x, vfHkys[k ds vuqlkj
tk¡p dkiksZjsV vfHk'kklu dh 'krksaZ dk vuqikyu lqfuf'pr djus gsrq cSad ds }kjk
cSad ds fo#) fuos'k dh dksbZ f'kdk;r ,d ekg ls vf/kd le; rd
viukbZ xbZ çfØ;k vkSj mlds dk;kZUo;u rd lhfer FkhA ;g u rks ys[kkijh{kk
yfEcr ugha gSA
gS] vkSj u gh cSad ds foÙkh; fooj.kksa ij vfHker O;ä djuk gSA
gesa ;g Hkh dguk gS fd ;g vuqikyu u rks cSad dh Hkkoh O;ogk;Zrk gsrq
cSad ds }kjk vuqjf{kr vfHkys[kksa ,oa nLrkostksa rFkk gesa fn, x, Li"Vhdj.k ds
vk'oklu gS vkSj u gh cSad ds dk;Zfu"iknu esa çca/ku dh dq'kyrk ,oa
vuqlkj%
çHkko'khyrk gSA

—rs es- Jh jkeewfrZ ,.M daiuh —rs es- jfojatu ,.M daiuh ,y,yih —rs es- ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
QeZ iathdj.k l% 003032S QeZ iathdj.k l% 009073N/N500320 QeZ iathdj.k l% 003990S/S200018
,e ÁR;q"kk lqfer dqekj ih nsoh
ikVZuj ikVZuj ikVZuj
lnL;rk la- 254141 lnL;rk la- 512555 lnL;rk la- 223137
;wMhvkbZ,u % 22254141AJHCTC2623 ;wMhvkbZ,u % 22512555AIUWVX3042 ;wMhvkbZ,u % 22223137AJGUHF1901

—rs es- th- uVslu ,.M daiuh —rs es- ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
QeZ iathdj.k l% 002424S QeZ iathdj.k l% 006085N

ojy{eh eqjyh psru BDdj

ikVZuj ikVZuj
lnL;rk la- 028863 lnL;rk la- 114196
;wMhvkbZ,u % 22028863AJAUJV8461 ;wMhvkbZ,u % 22114196AIUWNW5244

fnukad : 11-05-2022
LFkku : psUuS

- 71 -
 lhbZvks ,oa lh,Qvks }kjk vuqikyu izek.ki=
lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;e 2015 ds fofu;e 17¼8½
ds lkFk ifBr fofu;e 33¼2½ ds vuqlkj

lsok esa]

funs'kd eaMy
bafM;u cSad

izekf.kr fd;k tkrk gS fd

¼,½ geus o"kZ 2021&22 ds fy, bafM;u cSad ds foRrh; fooj.k ,oa udnh
izokg fooj.kksa dk iqujh{k.k fd;k gS rFkk gekjh loksZRre tkudkjh vkSj
fo'okl ds vuqlkj
¼i½ bu fooj.kksa esa rkfRod :i ls dksbZ dFku vokLrfod ugha gSa ;k
egRoiw.kZ rF; gVk, ugha x;s gSa ;k Hkzetud fooj.k ugha gSaA
¼ii½ ;s fooj.k ,df=r :i ls cSad ds dk;Zdykiksa dks lVhd ,oa
fu"i{k :i ls n'kkZrs gSa vkSj ;s fo|eku ys[kkdj.k ekud] iz;ksT;
dkuwu ,oa fofu;eu ds vuq:i gSaA
ys[kk ijh{kdksa rFkk ys[kk ijh{kk lfefr dks vkarfjd fu;a=.k ds :i ;k
ifjpkyu esa dfe;k¡] ;fn dksbZ gksa] ftUgsa ge tkurs gSa rFkk bu dfe;ksa dks
lq/kkjus ds fy, mBk, x, dne ;k izLrkfor dneksa dh fjiksVZ geus ys[kk
ijh{kdksa ,oa ys[kk ijh{kk lfefr dks ns nh gSA
¼Mh½ geus ys[kk ijh{kdksa vkSj ys[kk lfefr dks fuEufyf[kr ckrksa dh tkudkjh
nh gS %
(i) foRrh; fjiksfVaZx ij vkarfjd fu;a=.k esa o"kZ ds nkSjku egRoiw.kZ
ifjorZuA

¼ch½ gekjh loksZRre tkudkjh ,oa fo'okl ds vuqlkj bl o"kZ ds nkSjku cSad us
,sls dksbZ ysunsu ugha fd, gSa tks diViw.kZ] xSj&dkuwuh gksa ;k cSad dh
vkpkj lafgrk dk mYya?ku djrs gksaA
¼lh½ ge foRrh; fjiksfVZax ds fy, vkarfjd fu;a=.k LFkkfir djus ,oa vuqjf{kr
djus dk nkf;Ro ysrs gSa vkSj geus foRrh; fjiksfVZax ds laca/k esa cSad ds
vkarfjd fu;a=.k ra= dh izHkkoksRikndrk dk ewY;kadu fd;k gS vkSj geus
(ii) o"kZ ds nkSjku ys[kkdj.k uhfr;ksa esa egRoiw.kZ ifjorZu vkSj budk
ÁdVhdj.k] foRrh; fooj.kksa dh fVIif.k;ksa esa fd;k x;k gS] vkSj
(iii) /kks[kk/kMa+h dh egRoiw.kZ ?kVukvksa ds ekeys] tks gesa Kkr gq, gSa vkSj
mlesa foRrh; fjiksfVaZx gsrq vkarfjd iz.kkyh esa egRoiw.kZ Hkwfedk
fuHkkus okys deZpkjh ;k izca/ku dk 'kkfey gksuk] ;fn dksbZ gks] dh
tkudkjhA

¼lquhy tSu½ ¼,l- ,y- tSu½

eq[; foRrh; vf/kdkjh izc/ak funs'kd ,oa eq-dk-v-

LFkku : psUuS
fnukad : 11-05-2022

- 72 -
 lfpoh; ys[kk ijh{kk fjiksVZ
foÙkh; o"kZ 2021&22 ds fy,
lsok esa]
lnL;x.k]
bafM;u cSad
psUuS
geuss ykxw oSèkkfud çkoèkkuksa ds vuqikyu rFkk bafM;u cSad ¼blds i'pkr
cSad dgk tk,xk½ }kjk vPNs d‚ikZsjsV vkpj.k ds vuqikyu dh lfpoh;
ys[kk ijh{kk dh gSA lfpoh; ys[kk ijh{kk ,d O;ofLFkr rjhds ls vk;ksftr dh
xbZ Fkh] ftlus gesas d‚ikZsjsV vkpj.k@oSèkkfud vuqikyu dk ewY;kadu djus vkSj
blds ckjs esa viuh jk; O;ä djus ds fy, ,d mfpr vkèkkj çnku fd;kA
bafM;u cSad ds cgh [kkrksa] dkxtkr] dk;Zo`r dh cgh] Q‚eZ vkSj ntZ dh x;h
foojf.k;ksa rFkk cSad }kjk cuk, x, vU; vfHkys[kksa ,oa cSad] blds vfèkdkfj;ksa]
,tsaVksa vkSj çkfèk—r çfrfufèk;ksa }kjk çnku dh xbZ tkudkjh] lfpoh; ys[kk
ijh{kk ds lapkyu ds nkSjku gesa fn, x, O;k[;k vkSj Li"Vhdj.k vkSj çcaèku
}kjk fd, x, vH;kosnu vkSj d‚ikZsjsV dk;Z ea=ky; ,oa Hkkjrh; çfrHkwfr vkSj
fofue; cksMZ vfèkfu;e }kjk dksfoM&19 ¼COVID&19½ egkekjh ds QSyko ds
dkj.k nh xbZ NwVksa ij fopkj djds] gekjs lR;kiu ds vkèkkj ij] ge fjiksVZ djrs
gSa fd gekjh jk; esa] cSad us 31 ekpZ 2022 dks lekIr foÙkh; o"kZ dks doj djrs
gq, ys[kk ijh{kk dh vofèk ds nkSjku] ;gka lwphc) oSèkkfud çkoèkkuksa dk
vuqikyu fd;k gS vkSj ;g Hkh gS fd cSad ds ikl mfpr O;ofLFkr cksMZ çfØ;k,¡
vkSj vuqikyu&ra= gSa] tks fd blds ckn dh xbZ fjiksfVZax dh ç.kkyh vkSj fo"k;
ds vuqlkj gSa%
geuss 31 ekpZ 2022 dks lekIr gq, foÙkh; o"kZ ds fy, bafM;u cSad ¼"cSad"½ }kjk
vuqjf{kr cgh [kkrksa] i=ksa] dk;Zo`r dh cgh] çi=ksa vkSj ntZ dh x;h foojf.k;ksa
rFkk vU; vfHkys[kksa dh tkap fuEu ds vuqlkj dh gS %
¼i½ daiuh vfèkfu;e] 2013 ¼vfèkfu;e½ vkSj mlds rgr cuk, x, fu;e(
¼ykxw lhek rda½(
¼ii½ çfrHkwfr lafonk ¼fofu;eu½ vfèkfu;e] 1956 ¼^,llhvkj,*½ vkSj blds
rgr cuk, x, fu;e(
¼iii½ fu{ksikxkj vfèkfu;e] 1996 vkSj blds rgr fufeZr fofu;eksa vkSj
mifu;eksa(
¼iv½ fons'kh eqæk çcaèku vfèkfu;e] 1999 vkSj blds rgr fons'kh çR;{k fuos'k]
fons'kh çR;{k fuos'k vkSj ckgjh okf.kfT;d _.kksa dh lhek rd foLrkfjr
fu;e vkSj fofu;eu( ¼ys[kk ijh{kk dh vofèk ds nkSjku cSad ij ykxw
ugha½
¼v½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ vfèkfu;e] 1992 ¼*lsch vfèkfu;e*½ ds
rgr fuEufyf[kr fofu;e vkSj fn'kkfunZs'k fuèkkZfjr gSa %&
¼,a½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼'ks;jksa vkSj vfèkxzg.kksa dk i;kZIr
vfèkxzg.k½ fofu;e] 2011(
- 73 -
¼ch½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼ Hksfn;k O;kikj fu"ksèk½ fofu;eu]
2015(
¼lh½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼iwath dk fuxZe vkSj çdVhdj.k
vko';drk,¡½ fofu;eu] 2009] 2018 esa la'kksfèkr
¼Mh½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼deZpkjh LV‚d fodYi ;kstuk
vkSj deZpkjh LV‚d [kjhn ;kstuk½ fn'kkfunZs'k ]1999 ,oa Hkkjrh;
çfrHkwfr vkSj fofue; cksMZ ¼'ks;j vkèkkfjr deZpkjh ykHk½ fofu;eu]
2014 ¼ys[kkijh{kk vofèk ds nkSjku cSad ij ykxw ugha½
¼bZ½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼_.k çfrHkwfr;ksa dk fuxZe ,oa
lwphdj.k½ fofu;eu] 2021( ¼ys[kkijh{kk vofèk ds nkSjku cSad
ij ykxw ugha½
¼,Q½ daiuh vfèkfofu;eu vkSj xzkgd ds lkFk ysu nsu ls lacafèkr
Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼fuxZe vkSj 'ks;j varj.k ,tsaV
dk jftLVªkj ½ fofu;eu] 1993( ¼ykxw ugha½
¼th½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼bfDofV 'ks;jksa dks lwph ls gVkuk½
fofu;eu] 2009( ¼ys[kkijh{kk vofèk ds nkSjku cSad ij ykxw
ugha½
¼,p½ Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼'ks;jksa dh okilh½ fofu;eu]
1998( ¼ys[kkijh{kk vofèk ds nkSjku cSad ij ykxw ugha½
vU; fofèk;ka tks cSad ij fo'ks"k :i ls ykxw gS] og fuEukuqlkj gS %
(vi) cSaddkjh daiuh vfèkfu;e ¼miØeksa dk vfèkxzg.k vkSj varj.k½ vfèkfu;e]
1970(
(vii) cSaddkjh fofu;eu vfèkfu;e] 1949-
esjs }kjk fuEufyf[kr ds ykxw [kaM ds vuqikyu dh tkap Hkh dh xbZ gS:
(i) Hkkjr ds daiuh lfpoksa ds laLFkku }kjk tkjh fd, x, lfpoh;
ekud ¼ykxw ugha½
(ii) Hkkjrh; çfrHkwfr vkSj fofue; cksMZ ¼lwphc) ckè;rk,a ,oa
çdVhdj.k vko';drk,¡½ fofu;eu] 2015
cSad] cSaddkjh daiuh ¼miØeksa dk vfèkxzg.k vkSj varj.k½ vfèkfu;e] 1970 ds
vèkhu xfBr gS vkSj daiuh vfèkfu;e ds vèkhu iath—r ugha fd;k x;k gSA
cSad cksMZ] ys[kkijh{kk lfefr o vU; lfefr;ksa ds xBu o funs'kdksa dks fd;s tkus
okys Hkqxrku] cksMZ@ lfefr çfØ;kvksa@lEcaf/kr ikVhZ ysunsu bR;kfn cSafdax
daifu;k¡ ¼miØeksa dk vf/kxzg.k vkSj gLrkarj.k½ vf/kfu;e] 1970] cSafdax
fofu;eu vf/kfu;e] 1949] jk"Vªh;—r cSad ¼çca/ku vkSj fofo/k çko/kku½ ;kstuk]
1970] Hkkjrh; cSad ¼'ks;j vkSj cSBdsa½ fofu;e] 1999 ;Fkk la'kksf/kr ds çko/kkuksa
,oa le; le; ij Hkkjrh; fjtoZ cSad o Hkkjr ljdkj }kjk tkjh fn'kkfunsZ'kksa ds
rgr fu;af=r gksrs gSaSA
leh{kkèkhu vofèk ds nkSjku] lwphc) laLFkk us vfèkfu;e] fu;eksa] fofu;eksa] ge vkxs fjiksVZ djrs gSa fd cSad }kjk mfpr dkuwuksa] fu;eksa] fu;kedksa o
fn'kkfunZs'kksa] ekudksa vkfn ds çkoèkkuksa dk vuqikyu fd;k gS] tks fuEufyf[kr fn'kkfunsZ'kksa ds vuqlkj fujh{k.k o vuqikyu lqfuf'pr djus gsrq cSad ds vkdkj
voyksdu ds vèkhu gSA o ifjpkyu ds vuq:i i;kZIr ç.kkfy;k¡ o çfØ;k,a miyC/k gSaA

cksMZ dh lajpuk ds lacaèk esa] cSafdax daifu;ksa ¼miØeksa ds vfèkxzg.k vkSj
gLrkarj.k½ vfèkfu;e]1980 dh èkkjk 9 ¼3½ ¼bZ½ ¼,Q½ vkSj ¼th½ ds rgr fjfä;ka
ekStwn gSaA fnukad 31 ekpZ] 2022 dks funs'kd eaMy dh lajpuk lsch
¼,yvksMhvkj½ fofu;e] 2015 ds çkoèkkuksa ds vuq:i ugha gSA
cksMZ dh cSBdksa dks fu;r fd;s tkus gsrq lHkh funs'kdksa dks i;kZIr uksfVl fn;k
tkrk gS vkSj dk;Zlwph ,oa dk;Zlwph ij foLr`r uksV dks igys gh Hkstk tk pqdk gS
rFkk cSBd esa vFkZiw.kZ lgHkkfxrk gsrq cSBd gksus ls iwoZ gh ,tsaMk dh enksa ij
lwpuk o Li"Vrk ekaxs tkus dh ç.kkyh vfLrRo esa gSA
ge vkxs fjiksVZ djrs gSa fd ys[kkijh{kk fjiksVZ ds nkSjku foÙkh; o"kZ 2021&22 ds
nkSjku] cSad us DokfyQkbM baLVhVîw'kal IyslesaV ds ekè;e ls 1650 djksM+ #i;s
dh bfDoVh iwath 142-15 #i;s çfr bfDoVh 'ks;j ds b';w ewY; ij tqVkbZ gS]
ftlesa 132-15 #i;s çfr bfDoVh 'ks;j dk çhfe;e Hkh 'kkfey gSA D;wvkbZih
ds rgr 10 #i;s ds vafdr ewY; ds 11]60]74]569 u, bfDoVh 'ks;jksa ds
vkcaVu ds ckn] cSad ds dqy çnÙk 'ks;j 112]93]66]570 ls c<+dj 124]54]41]139
gks x,A

—rs oh lqjs'k ,lksfl,V~l

O;kolkf;d daiuh lfpo

oh lqjs'k
ofj"B ikVZuj
,Qlh,l ua- 2969
LFkku % psUuS lh-ih- ua 6032
fnukad % 10-05-2022 led{k leh{kk çek.k i= la 667@2020
;wMhvkbZ,u: ,Q+002969Mh000295712

- 74 -
 lfpoh; ys[kkijh{kk fjiksVZ dk vuqca/k

lsok esa]

lnL;x.k
bafM;u cSad
psUuS & 600014

gekjh leku frfFk dh fjiksVZ dks bl i= ds lkFk i<+k tk,A

1. lfpoh; vfHkys[kksa dk j[kj[kko cSad ds çca/ku dh ftEesnkjh gSA gekjh ftEesnkjh gekjh ys[kkijh{kk ds vk/kkj ij bu lfpoh; vfHkys[kksa ij fopkj O;ä djuk
gSA

2. geus lfpoh; vfHkys[kksa dh lkexzh dh lR;rk ds ckjs esa mfpr vk'oklu çkIr djus ds fy, mi;qä ys[kkijh{kk i)fr;ksa vkSj çfØ;kvksa dk vuqlj.k fd;k
gSA lR;kiu tkap ds vk/kkj ij fd;k x;k rkfd ;g lqfuf'pr fd;k tk lds fd lfpoh; vfHkys[kksa esa lgh rF; ifjyf{kr gksA gesa fo'okl gS fd geus ftu
çfØ;kvksa vkSj i)fr;ksa dk vuqlj.k fd;k gS os gekjs fopkj ds fy, mfpr vk/kkj çnku djrh gSaA

3. geus cSad ds foÙkh; vfHkys[kksa vkSj ys[kk iqLrdksa dh lR;rk vkSj leqfprrk dh tkap ugha dh gSA

4. tgka dHkh Hkh vko';drk iM+h] geus dkuwuksa] fu;eksa vkSj fofu;eksa rFkk ?kVukvksa vkfn ds vuqikyu ds ckjs esa çca/ku dk çfrfuf/kRo çkIr fd;k gSA

5. d‚iksZjsV ds çko/kkuksa vkSj vU; ykxw dkuwuksa] fu;eksa] fofu;eksa] ekudksa dk vuqikyu çca/ku dh ftEesnkjh gSA gekjh ijh{k.k tkap ds vk/kkj ij çfØ;kvksa ds
lR;kiu rd lhfer FkhA

6. lfpoh; ys[kkijh{kk fjiksVZ u rks cSad dh Hkfo"; dh O;ogk;Zrk ds ckjs esa vk'oklu gS vkSj u gh ml çHkkoksRikndrk ;k çHkko'khyrk ds ckjs esa ftlds lkFk
çca/ku us cSad ds ekeyksa dk lapkyu fd;k gSA

—rs oh lqjs'k ,lksfl,V~l

O;kolkf;d daiuh lfpo

oh lqjs'k
ofj"B ikVZuj
,Qlh,l ua- 2969
LFkku % psUuS lh-ih- ua 6032
fnukad % 10-05-2022 led{k leh{kk çek.k i= la 667@2020
;wMhvkbZ,u: ,Q+002969Mh000295712

- 75 -
 funs'kdksa dh xSj&fujgZrk dk çek.k I=
{lsch ¼lwphc)rk ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;eu] 2015 ds
fofu;eu 34 ¼3½ vkSj vuqlwph 5 iSjk lh [kaM ¼10½ ¼i½ ds vuqlj.k esa}
bafM;u cSad
66] jktkth lkyS
psUuS&600 001
ds lnL;x.k

geus bafM;u cSad ds funs'kdksa ls çkIr çklafxd jftLVjksa] vfHkys[kksa]
çi=ksa] fjVuZ vkSj çdVhdj.k dh tkap dh gS] ftudk iath—r dk;kZy;
66] jktkth lkyS] psUuS 600 001 ¼blds ckn ^cSad^ ds :i esa lanfHkZr½ gS]
tks cSad }kjk bl çek.ki= dks tkjh djus ds ç;kstu gsrq] lsch ¼lwphc)rk
ck/;rk,a ,oa çdVhdj.k vis{kk,a½ fofu;eu] 2015 dh vuqlwph 5 iSjk lh mi
[kaM 10¼i½ ds lkFk ifBr fofu;eu 34¼3½ ds vuqlkj gekjs le{k çLrqr fd;k
x;k gSA
gekjh jk; esa vkSj gekjh loksZÙke tkudkjh vkSj lR;kiu ds vuqlkj ¼iksVZy
www.mca.gov.in ij funs'kd igpku la[;k ¼MhvkbZ,u½ dh fLFkfr lfgr½
tSlk fd vko';d le>k x;k vkSj cSad o mlds vf/kdkfj;ksa }kjk gesa fn, x,
Li"Vhdj.k ds vuqlkj] ge ,rí~okjk çekf.kr djrs gSa fd 31 ekpZ] 2022 dks
lekIr gq, foÙkh; o"kZ ds fy, cSad ds cksMZ esa uhps crk, x, fdlh Hkh funs'kd
dks Hkkjrh; çfrHkwfr vkSj fofue; cksMZ] d‚iksZjsV ekeyksa ds ea=ky;] ;k dksbZ vU;
oS/kkfud çkf/kdj.k }kjk cSad ds funs'kd ds :i esa fu;qä ;k tkjh j[kus ls
oafpr ;k v;ksX; ugha Bgjk;k x;k gSA

Øekad la- funs'kd dk uke MhvkbZ,u la[;k cSad esa fu;qfä dh frfFk

1 Jh ,l-,y-tSu 07692739 01.09.2021

2 Jh 'ks.kkW; fo'oukFk oh 07561455 01.12.2018

3 Jh bejku vehu flíhdh 09153707 10.03.2021

4 Jh v'ouh dqekj ykxw ugha 21.10.2021

5 Jh latho dkSf'kd 02842527 24.01.2020

6 M‚ vkfnR; xsgk ykxw ugha 08.03.2022

7 M‚- Hkjr —".k 'kadj 00473636 07.02.2021

8 lqJh ikfi;k lsuxqIrk 07701564 29.10.2021

9 Jh ckyeqdqan lgk; ykxw ugha 21.12.2021

10 Jh fo'os'k dqekj xks;y ykxw ugha 21.12.2021

cSad] ,d jk"Vªh;—r cSad gksus ds ukrs] cSafdax daifu;ksa ¼miØeksa dk vf/kxzg.k
vkSj gLrkarj.k vf/kfu;e] 1970½ ds çko/kkuksa ds rgr xfBr] MhvkbZ,u dh
vko';drk cSad ds funs'kdksa ds fy, ykxw ugha gks ldrh gSA
cksMZ esa çR;sd funs'kd dh fu;qfä@fujarjrk ds fy, ik=rk lqfuf'pr djuk
cSad ds çca/ku dh ftEesnkjh gSA gekjh ftEesnkjh gS fd ge vius lR;kiu ds
vk/kkj ij bu ij jk; O;ä djsaA ;g çek.ki= u rks cSad ds Hkfo"; dh
O;ogk;Zrk dk vk'oklu gS vkSj u gh ml n{krk ;k çHkko'khyrk dk vk'oklu gS
ftlds }kjk çca/ku us cSad esa dk;Z lapkyu fd;k gSA

—rs oh lqjs'k ,lksfl,V~l

O;kolkf;d daiuh lfpo

LFkku : psUuS
oh lqjs'k
fnukad : 10-05-2022 ofj"B ikVZuj
,Qlh,l la- 2969
lh-ih-la- 6032
ih- vkj- çek.ki=- la- %667@2020
;wMhvkbZ,u% ,Q002969Mh000295965
- 76 -
 LVSaMvyksu rqyu i=]
ykHk vkSj gkfu ys[kk vkSj vuqlwfp;ka

- 77 -
31 ekpZ] 2022 dks LVSaMvyksu rqyu i= ` gtkj esa

vuq- 31-03-2022 dks 31-03-2021 dks

fooj.k la- ¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½
iw¡th o ns;rk,a
iwath 1 1245 44 11 1129 36 66
vkjf{kfr;ka vkSj vf/k'ks"k 2 42463 36 31 37282 57 83
tek,a 3 593617 81 37 538071 11 49
m/kkj 4 17144 30 85 24734 33 12
vU; ns;rk,a vkSj izko/kku 5 17197 12 87 22209 27 48
dqy 671668 05 51 623426 66 58

vkfLr;ka
Hkkjrh; fjt+oZ cSad esas udn vkSj vf/k'ks"k 6 24054 40 91 27545 08 17

cSadksa esa 'ks"k ,oa ekax rFkk vYi lwpuk ij izkI; /kujkf'k 7 55861 64 25 23919 39 05

fuos'k 8 174558 58 80 176536 96 62

vfxze 9 389186 06 32 362669 07 96

vpy vkfLr;ka 10 7683 71 16 7376 31 14

vU; vkfLr;ka 11 20323 64 07 25379 83 64

dqy 671668 05 51 623426 66 58

dqyvkdfLed ns;rk,a 12 353514 04 83 293533 46 10

olwyh ds fy, fcy - 14144 89 14 12620 72 77

,l-,y- tSu
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
vÜouh dqekj bejku vehu fln~nhdh
dk;Zikyd funs'kd dk;Zikyd funs'kd
funs'kd
latho dkSf'kd vkfnR; xsgk
ljdkj }kjk ukfer funs'kd vkjchvkbZ }kjk ukfer funs'kd
Hkjr Ñ".k 'kadj ikfi;k lsuxqIrk
'ks;j/kkjd funs'kd 'ks;j/kkjd funs'kd
ckyeqdqan lgk; fo'os'k dqekj xks;y
va'kdkfyd xSj ljdkjh funs'kd va'kdkfyd xSj ljdkjh funs'kd

lkafofèkd dsaæh; ys[kk ijh{kd

—rs eSllZ JhjkeewfrZ ,.M daiuh —rs eSllZ jfo jktu ,.M daiuh ,y,yih —rs eSllZ ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Q vkj la[;k 003032,l ,Q vkj la[;k 009073,u @ ,u500320 ,Qvkj la[;k 003990,l @ ,l200018

,e- çR;q"kk lqfer dqekj ih- nsoh

lk>snkj lk>snkj lk>snkj
¼,e-la[;k 254141½ ¼,e- la[;k 512555½ ¼,e-la[;k 223137½

—rs eSllZ th uVslu ,.M daiuh —rs eSllZ ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la[;k 002424,l ,Q-vkj- la[;k 006085,u

ojy{eh eqjyh psru BDdj

lk>snkj lk>snkj
¼,e-la[;k 028863½ ¼,e-la[;k 114196½

LFkku % psUuS
fnukad % 11-05-2022
- 78 -
 ¼` gtkj esa½
31 ekpZ 2022 dks lekIr o"kZ ds fy, LVSaMvyksu ykHk o gkfu ys[kk
31-03-2022 dks 31-03-2021 dks
vuqlwph lekIr o"kZ lekIr o"kZ
fooj.k
la ¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½
I. vk;
vftZr C;kt 13 38856 22 07 39105 78 65
vU; vk; 14 6915 44 97 5650 18 96
dqqy 45771 67 04 44755 97 61
II. O;;
O;; fd;k x;k C;kt 15 22128 27 05 23439 83 90
ifjpkyuxr O;; 16 10926 50 28 10349 55 28
izko/kku ,oa vkdfLedrk;sa - 8772 07 65 7961 90 66
dqy 41826 84 98 41751 29 84
III. ykHk @gkfu
o"kZ ds fy, fuoy ykHk @gkfu ¼&½ 3944 82 06 3004 67 77
vxzkuhr ykHk @ gkfu ¼&½ 100 16 28 99 16 27
dVkSrh % 'ks;j Áhfe;e ds lkis{k lek;kstu @ lsV vkWQ -23 21 49 -101 67 04
dqy 4021 76 85 3002 17 00
IV. fofu;kstu
dks varfjr %
lkafof/kd vkjf{kfr;ka 986 21 00 751 17 00
iw¡th vkjf{kfr;ka 147 90 00 47 71 00
36¼1½ (viii) ds varxZr fo'ks"k fjtoZ 108 35 00 0
jktLo vkjf{kfr;ka 1800 00 00 1387 34 39
LVkQ dY;k.k fuf/k 40 00 00 25 00 00
fuos'k mrkj&p<+ko vkjf{kfr;ka 0 464 91 00
bZfDoVh ykHkka'k 809 53 67 225 87 33
'ks"k tks rqyu i= dks vxzkuhr fd;k x;k gS 129 77 18 100 16 28
dqy 4021 76 85 3002 17 00
izfr'ks;j vtZu #i, esa ¼vk/kkjHkwr vkSj de fefJr½ 32.38 26.61

,l-,y- tSu
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
vÜouh dqekj bejku vehu fln~nhdh
dk;Zikyd funs'kd dk;Zikyd funs'kd
funs'kd
latho dkSf'kd vkfnR; xsgk
ljdkj }kjk ukfer funs'kd vkjchvkbZ }kjk ukfer funs'kd
Hkjr Ñ".k 'kadj ikfi;k lsuxqIrk
'ks;j/kkjd funs'kd 'ks;j/kkjd funs'kd
ckyeqdqan lgk; fo'os'k dqekj xks;y
va'kdkfyd xSj ljdkjh funs'kd va'kdkfyd xSj ljdkjh funs'kd

lkafofèkd dsaæh; ys[kk ijh{kd

—rs eSllZ JhjkeewfrZ ,.M daiuh —rs eSllZ jfo jktu ,.M daiuh ,y,yih —rs eSllZ ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Q vkj la[;k 003032,l ,Q vkj la[;k 009073,u @ ,u500320 ,Qvkj la[;k 003990,l @ ,l200018

,e- çR;q"kk lqfer dqekj ih- nsoh

lk>snkj lk>snkj lk>snkj
¼,e-la[;k 254141½ ¼,e- la[;k 512555½ ¼,e-la[;k 223137½

—rs eSllZ th uVslu ,.M daiuh —rs eSllZ ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la[;k 002424,l ,Q-vkj- la[;k 006085,u
ojy{eh eqjyh psru BDdj
lk>snkj lk>snkj
¼,e-la[;k 028863½ ¼,e-la[;k 114196½
LFkku % psUuS
fnukad % 11-05-2022
- 79 -
vuqlwph 1 & iwath ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. izkf/kÑr iw¡th
izR;sd 10@& #i, ds 300]00]00]000 bZfDoVh 'ks;j 3000 00 00 3000 00 00

II. tkjh] vfHknRr vkSj vnk dh xbZ iwath %

bZfDoVh 'ks;j %
,- Hkkjr ljdkj }kjk j[ks x, izR;sd #i, 10@& ds 99]45]49]600
bZfDoVh 'ks;j ¼fiNyss o"kZ & #i, 10@& izzR;sd ds 99]45]49]600 994 54 96 994 54 96
bZfDoVh 'ks;j 'kkfey gSa½
ch- turk }kjk j[ks x, izR;sd #i, 10@& ds 25]08]91]539
bZfDoVh 'ks;j ¼fiNyss o"kZ & #i, 10@& izzR;sd ds 13]48]16]970 250 89 15 134 81 70
bZfDoVh 'ks;j 'kkfey gSa½
dqy 1245 44 11 1129 36 66

- 80 -
vuqlwph 2 & vkjf{kfr;ka vkSj vf/k'ks"k ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. lkaof/kd vkjf{kfr;ka
,½ vFk'ks"k 8649 75 51 4694 19 81
ch½ o"kZ ds nkSjku tksM+ (*) 986 21 00 3955 55 70
lh½ o"kZ ds nkSjku dVkSfr;ka 0 0
dqy I 9635 96 51 8649 75 51
II. iw¡thxr vkjf{kfr;ka
,½ iquewZY;kadu fjt+oZ
vFk'ks"k 5754 96 63 2987 84 42
o"kZ ds nkSjku tksM+ (*) 599 48 14 2909 98 72
o"kZ ds nkSjku dVkSfr;ka 143 42 51 142 86 51
dqy ¼,½ 6211 02 26 5754 96 63
ch½ vU;
vFk'ks"k 913 00 74 388 55 24
o"kZ ds nkSjku tksM+ (*) 147 90 00 524 45 50
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼ch½ 1060 90 74 913 00 74
dqy II ¼,+$ ch½ 7271 93 00 6667 97 37
III. 'kss;j Áhfe;e
,½ vFk'ks"k 857 61 90 4026 65 23
ch½ o"kZ ds nkSjku tksM+ (*) 1533 92 54 15806 49 62
lh½ o"kZ ds nkSjku dVkSfr;ka 0 18975 52 95
dqy III 2391 54 44 857 61 90
IV. jktLo vkSj vU; vkjf{kfr;ka
,½ jktLo vkjf{kfr;ka
vFk'ks"k 13124 31 94 7448 29 29
o"kZ ds nkSjku tksM+ (*) 1800 00 00 5533 16 14
iquewZY;kadu vkj{kfr;ksa ls varfjr 143 42 51 142 86 51
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼,½ 15067 74 45 13124 31 94
¼ch½ vkbZVh vf/kfu;e dh /kkjk ds 36(1) (viii) ds varxZr fo'ks"k vkjf{kfr;ka
vFk'ks"k 2175 52 00 725 52 00
o"kZ ds nkSjku tksM+ (*) 108 35 00 1450 00 00
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼ch½ 2283 87 00 2175 52 00
¼lh½ vkbZVh vf/kfu;e dh /kkjk ds 36(1) (viii ,) ds varxZr fo'ks"k vkjf{kfr;ka
vFk'ks"k 58 20 00 58 20 00
o"kZ ds nkSjku tksM+ 0 0
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼lh½ 58 20 00 58 20 00
Mh½ fuos'k mrkj&p<+ko vkjf{kfr;ka
vFk'ks"k 1031 90 00 566 99 00
o"kZ ds nkSjku tksM+ 0 464 91 00
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼Mh½ 1031 90 00 1031 90 00
bZ½ fuos'k vkjf{kfr;ka
vFk'ks"k 186 37 77 47 79 22
o"kZ ds nkSjku tksM+ (*) 0 138 58 55
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼bZ½ 186 37 77 186 37 77
,Q½ fons'kh eqnzk ysunsu vkjf{kfr;ka
vFk'ks"k 421 92 88 437 26 31
o"kZ ds nkSjku tksM 0 0
o"kZ ds nkSjku dVkSfr;ka 24 69 10 15 33 43
dqy ¼,Q½ 397 23 78 421 92 88
- 81 -
 ¼` gt+kj esa½
th½ vkbZvkj,l vkjf{kfr;ka
vFk'ks"k 1 90 63 0
o"kZ ds nkSjku tksM+ (*) 0 1 90 63
o"kZ ds nkSjku dVkSfr;ka 0 0
dqy ¼th½ 1 90 63 1 90 63
dqy IV ¼,+$ch$lh$Mh$bZ$,Q$th½ 19027 23 63 17000 15 22
V. lekesyu vkjf{kfr;ka
,½ vFk'ks"k 4006 91 55 0
ch½ o"kZ ds nkSjku tksM+ 0 4006 91 55
lh½ o"kZ ds nkSjku dVkSfr;ka 0 0
dqy V 4006 91 55 4006 91 55
VI. ykHk ,oa gkfu [kkrk
vFk'ks"k 100 16 28 99 16 27
o"kZ ds nkSjku tksM+ 3944 82 06 102 67 05
o"kZ ds nkSjku dVkSfr;ka (*) 3915 21 16 19077 19 99
'ks;j çhfe;e ls lek;kstu 0 18975 52 95
dqy VI 129 77 18 100 16 28
dqy (I+II+III+IV+V+VI) 42463 36 31 37282 57 83

(*) foRrh; o"kZ 2020&21 esa bZ&,ch vkjf{kfr;ksa lfgr tksM+@?kVko

vuqlwph 3 & tek,¡ ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

,- I. ekax tekjkf'k;ka
i) cSadksa ls 125 59 56 289 29 18
ii) vU; ls 36594 73 39 32055 27 51
dqy 36720 32 95 32344 56 69
II. cpr cSad tekjkf'k;ka 211205 86 14 195250 29 37
III. Lkkof/k tekjkf'k;ka
i) cSadksa ls 6067 87 21 5323 09 87
ii) vU; ls 339623 75 07 305153 15 56
dqy 345691 62 28 310476 25 43
dqy (I+II+III) 593617 81 37 538071 11 49
ch- I) Hkkjr esa fLFkr 'kk[kkvksa dh tek,a 584660 65 57 529264 23 30
II) Hkkjr ds ckgj 'kk[kkvksa dh tek,a 8957 15 80 8806 88 19
dqy (I + II) 593617 81 37 538071 11 49

vuqlwph 4 & mèkkj ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. Hkkjr esa m/kkj
i) Hkkjrh; fjt+oZ cSad 0 5032 04 04
ii) vU; cSad 5 12 13 72
iii) vU; laLFkk,a vkSj vfHkdj.k * 15285 01 00 14935 73 74
dqy 15285 06 12 19967 91 50
II. Hkkjr ds ckgj m/kkj ** 1859 24 73 4766 41 62
dqy (I o II) 17144 30 85 24734 33 12
Åij dh enksa esa izfrHkwr m/kkj dks 'kkfey fd;k x;k gSA 0 5032 04 04

* ,Vh&1 iw¡th & LFkk;h _.k fy[kr `2000 00 00 ¼fiNys o"kZ `2000 00 00½ vkSj fV;j II iw¡th esa xkS.k _.k `7000 00 00 ¼fiNys o"kZ `7600 00 00½ dks 'kkfey fd;k
x;k gSSA
** ukLVzªks fejj 'ks"kksa dh vlek;ksftr ensa ,oa ekxZLFk enksa dks 'kkfey djrs gq,

- 82 -
vuqlwph 5 & vU; ns;rk,¡ ,oa çkoèkku ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. ans;fcy 1585 16 73 1443 91 42
II. varj&dk;kZy; lek;kstu ¼fuoy½ 0 5073 01 52
III. mifpr C;kt 994 13 29 1041 86 06
IV. vU; ¼izko/kku lfgr½ * 14617 82 85 14650 48 48
dqy (I + II + III + IV) 17197 12 87 22209 27 48

* #- 378 88 304 dh ekud vkfLr;ksa ds lkis{k vkdfLed izko/kku ¼fiNys o"kZ #-282 68 255½

vuqlwph 6 & Hkkjrh; fjtoZ cSad esa udn vkSj 'ks"k jkf'k ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I.gkFk esa udnh ¼blesa fons'kh eqnzk uksV lfEefyr gSa½ 1962 39 75 1658 27 76
II.
Hkkjrh; fjt+oZ cSad ds lkFk pkyw [kkrs esa 'ks"k 22092 01 16 25886 80 41
dqy (I+II) 24054 40 91 27545 08 17

vuqlwph 7 & cSadksa esa vfèk'ks"k vkSj ek¡x vkSj vYi lwpuk ij izfrns; jkf'k ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. Hkkjr esa
i) cSadksa esa vfèk'ks"k
,- pkyw [kkrss esa 6 17 63 95 08 44
ch- vU; tek [kkrksa esa 1386 15 22 2046 43 44
dqy (i) 1392 32 85 2141 51 88
ii) ekax ij rFkk vYi lwpuk ij izfrns; /kujkf'k ¼cSadksa ds lkFk½ 34500 20 06 8900 00 01
dqy (ii) 34500 20 06 8900 00 01
dqy (i + ii) 35892 52 91 11041 51 89
II. Hkkjr ds ckgj
i) pkyw [kkrksa esa 503 97 97 1577 67 70
ii) vU; tek [kkrksa esa 19453 09 25 11270 82 04
iii) ek¡x ij rFkk vYi lwpuk ij izfrns; /kujkf'k 12 04 12 29 37 42
dqy (i + ii + iii) 19969 11 34 12877 87 16
dqy ;ksx (I +II) 55861 64 25 23919 39 05

vuqlwph 8 & fuos'k ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. Hkkjr esa fuos'k
ldy fuos'k 178434 87 83 179570 44 81
ewY;gzkl ,oa ,uihvkbZ gsrq Áko/kku ?kVkdj 3656 54 63 3437 58 50
çfrHkwfr jlhn ij çko/kku ?kVkdj 1922 31 20 1922 31 20
fuoy fuos'k 172856 02 00 174210 55 11
I) ljdkjh izfrHkwfr;ka 140386 99 79 157550 39 28
ii) vU; vuqeksfnr izfrHkwfr;ka 0 5 22 76
iii) 'ks;j 1198 42 29 986 58 19
iv) fMcsapj vkSj ck¡M 30442 35 19 13359 15 13
v) vuq"kafx;ka vkSj @ ;k la;qDr m|e ¼lg;ksfx;ksa ds lkFk½ 216 16 81 216 16 81
vi) vU; 612 07 92 2093 02 94
dqy 172856 02 00 174210 55 11

- 83 -
 ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

II. Hkkjr
ds ckgj fuos'k
ldy fuos'k 1800 52 30 2420 89 82
ewY;gzkl ,oa ,uihvkbZ gsrq Áko/kku ?kVkdj 97 95 50 94 48 31
fuoy fuos'k 1702 56 80 2326 41 51
I) ljdkjh izfrHkwfr;k¡ ¼LFkkuh; izkf/kdkjh lfgr½ 1702 00 91 2325 81 80
ii) vU; fuos'k
, 'ks;j 55 89 59 71
dqy 1702 56 80 2326 41 51
fuoy dqy ;ksx ¼ , $ ch ½ 174558 58 80 176536 96 62

vuqlwph 9 & vfxze ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I) Ø; fd, x, vkSj Hkquk;s x, fcy 3430 05 82 2131 34 96
ii) udn m/kkj] vksoj Mªk¶+V vkSj ekax ij izfrns; _.k 245298 43 89 220090 98 14
iii) fe;knh _.k 140457 56 61 140446 74 86
dqy 389186 06 32 362669 07 96
i) ewrZ vkfLr;ksa }kjk izfrHkwr ¼cgh _.kksa ij vfxze 'kkfey gSa½* 322961 60 18 320789 57 49
ii) cSad @ ljdkjh izzR;kHkwfr;ksa }kjk lajf{kr 39614 40 28 22887 65 72
iii) vjf{kr 26610 05 86 18991 84 75
dqy 389186 06 32 362669 07 96
I. Hkkjr esa vfxze
#
i) izkFkfedrk izkIr {ks= 163407 15 71 156301 47 15
ii) ljdkjh {ks= 67147 92 02 64398 77 88
iii) cSad 0 169 24 06
iv) vU; 139011 84 53 131526 73 67
dqy 369566 92 26 352396 22 76
II. Hkkjr ds ckgj vfxze
I) cSadksa ls izkI; jkf'k;k¡ 11105 63 45 4475 58 45
ii) vU;ksa ls izkI; jkf'k;k¡
d½ Ø; fd;s x, vkSj Hkquk;s x, fcy 2541 53 44 771 16 66
[k½ lkewfgd _.k 4650 75 16 3515 42 23
x½ vU; 1321 22 01 1510 67 86
dqy 19619 14 06 10272 85 20
dqy ;ksx (I+II) 389186 06 32 362669 07 96

* cgh _.k ds lkis{k 'kkfey fd, x, vfxze % 67000 84 07 ¼fiNys o"kZ ` 63247 10 63½
# vkjvkbZMh,Q dks ughsa tksM+k x;k gSA

- 84 -
vuqlwph 10 & vpy vkfLr;ka ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. ifjlj ¼iqueZwY;kafdr ifjlj lfgr½

iwoZorhZ o"kZ ds rqyu&i= ds vuqlkj ykxr @ iquewZY;kadu ewY; ij 6857 35 52 6853 35 76

o"kZ ds nkSjku tksM+ @ lek;kstu 601 20 96 3 99 76

iw.kZ ;ksx 7458 56 48 6857 35 52

o"kZ ds nkSjku dVkSfr;ka 4 68 50 0

iw.kZ ;ksx 7453 87 98 6857 35 52

v|ru ewY; gªkl 1412 80 63 1243 94 40

dqy 6041 07 35 5613 41 12

II. iV~Vs ij nh xbZ vkfLr;ka

iwoZorhZ o"kZ ds rqyu&i= ds vuqlkj ykxr @ iquewZY;kadu ewY; ij 530 52 79 530 52 79

o"kZ ds nkSjku tksM+ @ lek;kstu 0 0

iw.kZ ;ksx 530 52 79 530 52 79

o"kZ ds nkSjku dVkSfr;ka 0 0

iw.kZ ;ksx 530 52 79 530 52 79

v|ru ewY; gªkl 22 17 67 42 92 70

dqy 508 35 12 487 60 09

III. fuekZ.kk/khu Hkou 96 80 1 06 54

IV. vU; vpy vkfLr;ka ¼blesa QuhZpj vkSj fQDlpj lfEefyr gSa½

iwoZorhZ o"kZ ds rqyu&i= ds vuqlkj ykxr ij 4628 15 73 4121 12 83

o"kZ ds nkSjku tksM+ @ lek;kstu 316 77 75 554 37 72

iw.kZ ;ksx 4944 93 48 4675 50 55

o"kZ ds nkSjku dVkSfr;ka 76 67 23 47 34 82

iw.kZ ;ksx 4868 26 25 4628 15 73

vc rd ewY; gªkl 3734 94 36 3353 92 34

dqy 1133 31 89 1274 23 39

dqy (I+II+III+IV) 7683 71 16 7376 31 14

- 85 -
vuqlwph 11 & vU; vkfLr;ka ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. varj dk;kZy; lek;kstu ¼fuoy½ 270 52 77 0

II. mifpr C;kt 2968 68 66 4107 97 96

III. iznRr vfxze dj @ lzksr ij dkVk x;k dj ¼fuoy½ 6407 56 89 6625 26 70

IV. ys[ku lkexzh vkSj LVkEi 27 06 55 46 37 53

V. nkoksa dh larqf"V esa izkIr dh x;h xSj&cSaddkjh vkfLr;ka 51 38 26 51 38 26

VI. vU;* 10598 40 94 14548 83 19

dqy 20323 64 07 25379 83 64

* ftlesa ,pVh,e oxhZdj.k ds rgr j[ks x, vkjvkbZMh,Q@,lvkbZMhchvkbZ@vkj,pMh,Q@ 1062 15 12 1304 51 23

,u,pch tek,a 'kkfey gSA

vuqlwph 12 & vkdfLed ns;rk,a ¼` gt+kj esa½

fooj.k 31-03-2022 dks 31-03-2021 dks

I. cSad ds fo#) nkos ftUgsa _.k ds :i esa Lohdkj ugha fd;k x;k gS 2159 16 36 953 36 91

II. vaa'kr% lanRr fuoss'kksa ds fy, ns;rk 462 77 26 373 81 66

III. Ckdk;k ok;nk fofue; lafonkvksa ds dkj.k ns;rk 306197 71 07 254856 84 39

IV. Lak?kVdksa dh vksj ls nh xbZ izzR;kHkwfr;ka *

d- Hkkjr esa 21969 83 62 17792 78 38

[k- Hkkjr ds ckgj 300 68 26 379 99 49

V. Lohd`fr;k¡] i`"Bkadu vkSj vU; ck/;rk,a * 10837 91 70 9394 28 29

VI. vU; ensa ftuds fy, cSad vkdfLed :i ls mRrjnk;h gS 11585 96 56 9782 36 98

dqy 353514 04 83 293533 46 10

* vkdfLed ns;rk,a] ekftZu ?kVkus ds ckn leku ekuk x;k gS

- 86 -
vuqlwph 13 & vftZr C;kt ¼` gtkj esa½
31-03-2022 dks 31-03-2021 dks
fooj.k lekIr o"kZ lekIr o"kZ
¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½
I. vfxzeksa @ fcyksa ij C;kt @ cV~Vk jkf'k 26927 56 15 27363 52 81

II. fuos'kksa ij vk; 10964 82 37 11166 89 38

III. Hkkjrh; fjt+oZ cSad ds lkFk 'ks"k rFkk vU; varj cSad fuf/k;ksa ij C;kt 851 34 00 425 45 97

IV. vU; 112 49 55 149 90 49

dqy 38856 22 07 39105 78 65

vuqlwph 14 & vU; vk; ¼` gtkj esa½

31-03-2022 dks 31-03-2021 dks

fooj.k lekIr o"kZ lekIr o"kZ

I. deh'ku] fofue; vkSj nykyh 806 11 09 766 96 37

II. fuos'kksa ds foØ; ij ykHk 1748 06 22 2259 91 38

?kVk,¡ % fuos'kksa dh fcØh ij gkfu 122 30 84 135 67 19

fuoy 1625 75 38 2124 24 19

III. fuos'kksa ds iquewZY;k¡du ij ykHk 89 2 42

?kVk,¡ % fuos'kksa ds iquewZY;kadu ij gkfu 343 24 98 429 08 84

fuoy -343 24 09 -429 06 42

IV. Hkwfe] Hkouksa vkSj vU; vkfLr;ksa ds foØ; ij ykHk * 7 40 31 2 83 09

?kVk,¡ % Hkwfe] Hkouksa vkSj vU; vkfLr;ksa ds foØ; ij gkfu * 2 18 28 3 22 28

fuoy 5 22 03 - 39 19

V. fofue; laaO;ogkjksas ij ykHk ¼fuoy½ 689 98 73 405 92 51

VI. fons'k @ Hkkjr esa LFkkfir vuq"kafx;ksa @ daifu;ksa vkSj @ ;k la;qDr m|eksa ls ykHkka'k
vkfn ds :i esa vftZr vk; 28 15 18 12 45 06

VII. fofo/k vk; 4103 46 65 2770 06 44

dqy 6915 44 97 5650 18 96

* ;g jkf'k lsQ] Q+fuZpj] okgu vkSj e'khujh ls lacaf/kr gS

- 87 -
vuqlwph 15 & [kpZ fd;k x;k C;kt ¼` gtkj esa½

31-03-2022 dks 31-03-2021 dks

fooj.k lekIr o"kZ lekIr o"kZ

I. tekvksa ij C;kt 20935 55 65 22220 79 49

II. Hkkjrh; fjt+oZ cSad @ varj cSad m/kkjksa ij C;kt 248 46 35 400 89 55

III. vU; 944 25 05 818 14 86

dqy 22128 27 05 23439 83 90

vuqlwph 16 & ifjpkyu O;; ¼` gtkj esa½

31-03-2022 dks 31-03-2021 dks

fooj.k lekIr o"kZ lekIr o"kZ

I. deZZpkfj;ksa dks Hkqxrku vkSj muds fy, izko/kku 6695 70 68 6378 23 81

II. fdjk;k] dj vkSj fctyh O;oLFkk 613 74 14 602 83 47

III. eqnz.k vkSj ys[ku lkexzh 84 60 78 57 65 50

IV. foKkiu vkSj izpkj 21 71 34 13 55 22

V. cSad dh laifRr ij ewY;gªkl 597 49 99 632 87 20

VI. funs'kdksa dh Qhl] HkRrs vkSj O;; 44 31 39 60

VII. ys[kk ijh{kdksa dh Qhl vkSj O;; ¼a 'kk[kk ys[kk ijh{kdksa dks 'kkfey djrs gq,½ 47 37 52 63 01 86

VIII fof/k izHkkj 17 38 61 20 19 41

IX Mkd] rkj vkSj VsyhQksu 109 86 46 117 18 86

X. ejEer vkSj vuqj{k.k 243 87 09 197 09 98

XI. Ckhek 742 35 00 682 46 34

XII. vU; O;; 1751 94 36 1584 04 03

dqy 10926 50 28 10349 55 28

- 88 -
 vuqlwph&17 & eq[; ys[kkadu uhfr;ka ¼LVSaMvyksu½
1- ys[kkadu çFkk
tc rd vU;Fkk u dgk tk, foÙkh; fooj.kksa dks ,sfrgkfld ykxr
ifjikVh ij py jgs çFkkvksa dk vuqikyu djrs gq, rS;kj fd;k tkrk gSA
;g Hkkjr esa çpfyr lkafof/kd fl)karksa ds vuq:i gS ftlesa lkafof/kd
çko/kku] fofu;ked @ Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'k] Hkkjrh; lunh
ys[kkdkj laLFkku }kjk tkjh ys[kk ekudksa @ ekxZn'kZu uksV~l vkSj Hkkjr
ds cSafdax m|ksx esa çpfyr çFkk,a 'kkfey gSaA fons'kh 'kk[kkvksa ds laca/k esa
lacaf/kr ns'kksa esa çpfyr lkafof/kd çko/kkuksa ds vuq:i gSA
2- çkDdyu dk ç;ksx
foÙkh; fooj.kksa dh rS;kjh ds fy,] fjiksfVaZx vof/k gsrq foÙkh; foojf.k;ksa
dh rkjh[k ij ntZ vkfLr;ksa ,oa ns;rkvksa ¼vkdfLed ns;rkvksa lfgr½
rFkk vk; ,oa O;; ij fopkj djus gsrq çca/ku dks çkDdyu rS;kj djus
vkSj iwokZuqeku djus dh vko';drk gksrh gSA çca/ku] ;g fo'okl j[krk
gS fd foÙkh; foojf.k;ksa dh rS;kjh esa bLrseky fd;s x;s çkDdyu foosdh
vkSj mfpr gSaA
3- fons'kh fofue; ls lacaf/kr ysunsu
Hkkjrh; ifjpkyuksa vkSj xSj lekdfyr fons'kh ifjpkyu ds fons'kh
eqæk ysunsuksa dk ys[kkadu] Hkkjrh; lunh ys[kkdkj laLFkku
¼vkbZlh,vkbZ½ }kjk tkjh ys[kkdj.k ekud & 11 ¼,,l & 11½ ds vuqlkj
fd;k tkrk gSA
3-1- Hkkjrh; ifjpkyuksa ds ekeys esa ifjorZu
l fons'kh eqæk Mhyj vlksfl,'ku vkQ bafM;k ¼QsMkbZ½ }kjk
vf/klwfpr lkIrkfgd vkSlr nj ¼McY;w,vkj½ ij fons'kh fofue;
ysunsu ntZ fd, tkrs gSaA
l fons'kh eqæk esa vkfLr;ksa ,oa ns;rkvksa dk ifjorZu] o"kkaZr ij QsMkbZ
}kjk vf/klwfpr lekiu njksa ij fd;k tkrk gSA
l fons'kh eqæk esa Loh—fr;ka] i`"Bkadu vkSj vU; ck/;rk,a vkSj
xkjafV;ksa dks o"kkaZr ij QsMkbZ }kjk vf/klwfpr lekiu njksa ij j[kk
tkrk gSA
l foÙkh; o"kZ ds var esa fons'kh eqæk esa j[kh x;h vkfLr;ksa ,oa ns;rkvksa
ds fuiVku ,oa ifjorZu ls mBusokys fofue; varj dks] ml o"kZ esa
gh vk; ;k O;; ds :i esa igpkuk tkrk gS A
l cdk;k ok;nk fofue; njksa dk çdVhdj.k lafonkxr njksa ls fd;k
tkrk gS rFkk QsMkbZ dh lekiu njksa ij mudk iquewZY;kadu fd;k
tkrk gS ,oa mlds ifj.kke dh igpku] ykHk o gkfu ys[ks ds tfj,
dh tkrh gSA
3-2- xSj& lekdfyr fons'kh ifjpkyuksa ds laca/k esa ifjorZu
fons'kh 'kk[kkvksa dk oxhZdj.k] xSj lekdfyr fons'kh ifjpkyu ds :i
esa fd;k x;k gS vkSj foÙkh; fooj.kksa dk ifjorZu fuEuçdkj fd;k
tkrk gS %
l vkdfLed ns;rk,a lfgr vkfLr;ksa ,oa ns;rkvksa dk ifjorZu QsMkbZ
}kjk o"kkaZr esa vf/klwfpr njksa ij fd;k tkrk gSA
- 89 -
l vk; ,oa O;; dk ifjorZu QsMkbZ }kjk lacaf/kr frekgh ds var ij
vf/klwfpr frekgh vkSlr lekiu nj ij fd;k tkrk gSA
l fuoy fuos'kksa ds fuiVku rd mBusokys lHkh fofue; varj dks
**fofue; mrkj&p<+ko fuf/k** ¼,QlhVhvkj½ uked i`Fkd fuf/k esa
mifpr j[kk tkrk gSA
4- fuos'k
4-1- cSad ds fuos'k lafoHkkx dks Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj
fuEufyf[kr rhu çoxksaZ esa oxhZ—r fd;k x;k gS %
Ø ifjiDork rd j[ks x, ¼,pVh,e½
Ø fcØh gsrq miyC/k ¼,,Q,l½
Ø O;kikj ds fy, j[ks x, ¼,p,QVh½
ifjiDork rd jksd j[kus ds vk'k; ds lkFk çkIr dh xbZ çfrHkwfr;ksa dks
**,pVh,e** çoxZ ds varxZr oxhZ—r fd;k x;k gSA vYikof/k ds ewY; @
C;kt nj esa mrkj&p<+ko ls ykHk mBkdj O;kikj djus ds vk'k; ds lkFk
çkIr dh xbZ çfrHkwfr;ksa dks **,p,QVh** çoxZ esa oxhZ—r fd;k x;k gSA
vU; lHkh çfrHkwfr;k¡ tks mi;qZä nksuksa çoxksaZ esa ugha vkrh gSa] mUgsa]
**,,Q,l** çoxZ esa oxhZZ—r fd;k x;k gSA
,d fuos'k dks mldh [kjhn @ vtZu ds le; ij gh] ifjiDork rd
/kkfjr] fcØh ds fy, miyC/k vFkok O;kikj ds fy, miyC/k ds :i esa
oxhZ—r fd;k tkrk gS vkSj rnuUrj fu;ked fn'kkfunsZ'kksa ds vuq:i
mudk varj.k fd;k tkrk gSA ,d oxZ ls nwljs oxZ dks 'ks;jksa dk varj.k]
;fn dksbZ gS] varj.k dh rkjh[k ij vtZu ykxr @ cgh ewY; @ cktkj
ewY; esa ls U;wure ewY; ij fd;k tkrk gS] vkSj ,sls varj.k ds fy,
ewY;gkl gsrq iw.kZ çko/kku fd;k tkrk gSA
vuq"kafx;ksa] la;qä m|eksa vkSj ,lksfl,V~l esa fuos'k dks ifjiDork rd
/kkfjr ds :i esa oxhZ—r fd;k x;k gSA
4-2- ,pVh,e çoxZ esa j[kh x;h çfrHkwfr;ksa dh fcØh ij çkIr ykHk dks igys
ykHk o gkfu ys[ks esa fy;k tkrk gS vkSj ckn esa iwath çkjf{krh ys[ks ¼dj
pqdkus ds ckn dh jkf'k rFkk lkafof/kd fjtoZ dks varfjr dh tkusokyh
okafNr jkf'k½ esa fofu;ksftr fd;k tkrk gS rFkk gkfu] ;fn gks] dks ykHk o
gkfu ys[ks esa çHkkfjr fd;k tkrk gS %
4-3- Hkkjr esa fuos'kksa dk ewY;kadu Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds
leuq:i fuEukuqlkj fd;k tkrk gS %
,½ ,pVh,e çoxZ esa çfrHkwfr dk ewY;kadu vtZu dh ykxr ij
fd;k tkrk gS flok; mu ekeyksa esa tgka vafdr ewY; ls vtZu
ykxr vf/kd gksrh gks] oSls ekeyksa esa] vafdr ewY; ij vtZu
ykxr dh ,slh vf/kdrk dks ifjiDork dh 'ks"k vof/k esa
ifj'kksf/kr fd;k tkrk gSA vuq"kafx;ksa @ la;qä m|eksa @
,lksfl,V~l esa] ftUgsa ,pVh,e çoxZ esa 'kkfey fd;k x;k gS]
fuos'kksa ds ewY; esa] vLFkkbZ ç—fr ds vykok fdlh vU; ºzkl dh
igpku dh xbZ gS vkSj çko/kku fd;k x;k gSA ,sls ºzkl dk
fu/kkZj.k vkSj blds fy, çko/kku çR;sd fuos'k gsrq vyx ls fd;k
tkrk gSA fnukad 23-08-2006 ds ckn tksf[ke iw¡th fuf/k;ksa ds
 ;wfuVksa ¼ohlh,Q½ @ oSdfYid fuos'k fuf/k ¼,vkbZ,Q½ esa fd;s
x;s fuos'k] çkjafHkd 3 o"kZ dh vof/k ds fy, ,pVh,e oxZ ds
v/khu oxhZ—r fd;s tkrs gSa rFkk mudk ewY;kadu] ykxr ij
fd;k tkrk gSA
ch½ vuq"kaxh laLFkkvksa] la;qä miØeksa vkSj lg;ksxh laLFkkvksa esa fuos'k
dk ewY;kadu] ijaijkxr ykxr ij fd;k tkrk gSA çk;ksftr
{ks=h; xzkeh.k cSadksa esa fuos'k dk ewY;kadu] ogu ykxr ¼vFkkZr~
cgh ewY;½ ij fd;k tkrk gSA
lh½ ,,Ql çoxZ esa fuos'kksa dk ewY;kadu] cktkj ewY; ij] frekgh
varjky ij fLØiokj rFkk oxhZdj.kokj fd;k tkrk gSA ;fn dksbZ
fuoy ewY;ºzkl gks] rks mls ykHk&gkfu ys[ks esa 'kkfey fd;k
tkrk gS] tcfd fdlh fuoy ewY;o`f) gksus ij mldh mis{kk dj
nh tkrh gSA bl çoxZ esa cktkj dks vafdr djus ds ckn oS;fäd
çfrHkwfr;ksa ds cgh ewY; esa dksbZ ifjorZu ugha fd;k tkrk gSA
Mh½ ,p,QVh çoxZ esa j[kh xbZ oS;fäd çfrHkwfr;ksa dks nSfud
varjky ij cktkj dks vafdr fd;k tkrk gSA fuoy ewY;ºzkl]
;fn dksbZ gks] rks ykHk o gkfu ys[ks esa mldk çko/kku fd;k tkrk
gS tcfd fuoy ewY;o`f)] ;fn dksbZ gks] ml ij /;ku ugha fn;k
tkrk gSA bl çoxZ esa oS;fäd çfrHkwfr;ksa ds cgh ewY; esa dksbZ
ifjorZu ugha gksrk gSA
bZ½ ,,Q,l ,oa ,p,QVh çoxksaZ esa çfrHkwfr;ksa dk ewY;kadu
fuEuor~ fd;k x;k gS %
i. çkbesjh MhylZ ,lksfl,'ku vkQ bafM;k ¼ihMh,vkbZ½ vkSj
fQDLM bUde euh ekdsZV vkSj fMjkbosfVOl ,lksfl,'ku
vkQ bafM;k ¼,QvkbZ,e,eMh,½ @ Qkbusafl;y csapekdZ
bafM;k çkbosV fyfeVsM ¼,QchvkbZ,y½ }kjk la;qä :i ls
?kksf"kr fd, x, vuqlkj dsUæ ljdkj dh çfrHkwfr;ksa dk
ewY;kadu] ewY; ij @ okbZVh,e njksa ij fd;k tkrk gSA
ii. jkT; ljdkj vkSj vU; vuqeksfnr çfrHkwfr;ksa dk ewY;kadu]
okbZVh,e i)fr dks ykxw djrs gq, vkSj ihMh,vkbZ @
,QvkbZ,e,eMh, @ ,QchvkbZ,y }kjk j[kh xbZ lerqY;
ifjiDork dh dsUæ ljdkj dh çfrHkwfr;ksa ds çfrQy ls
25 csfll IokbaV c<+krs gq, vkof/kd :i ls fd;k tkrk gSA
iii. dksV gksus ij bZfDoVh 'ks;jksa dk ewY;kadu cktkj ewY; ij
fd;k tkrk gSA dksV u gksusokys bZfDoVh 'ks;jksa dks muds
czsd&vi ewY; ij ¼iwuewZY;u vkjf{kr fuf/k;ka] ;fn gks] ml
ij /;ku fn, fcuk½] daiuh ds uohure rqyui= ¼ewY;u dh
rkjh[k ls ,d o"kZ ds igys dk u gks½] ds vk/kkj ij
ewY;kafdr fd;k tkrk gSA vU;Fkk 'ks;jksa dk ewY;kadu çfr
daiuh ,d #i;k ds vuqlkj fd;k tkrk gSA
iv. dksV gksus ij vf/kekU; 'ks;jksa dk ewY;kadu cktkj ewY; ij
fd;k tkrk gSA vU;Fkk leqfpr okbZVh,e njksa vFkok iqu%
'kks/ku ewY; ds vk/kkj ij fu/kkZfjr ewY;] nksuksa esa ls tks Hkh
de gks] ml ewY; ij fd;k tkrk gSA
v. vfxzeksa ds :i esa jgs fMcsapjksa rFkk ckaMksa ds vykok] lHkh
fMcsapjksa rFkk ckaMksa dk ewY;kadu okbZVh,e vk/kkj ij fd;k
tkrk gSA
vi. jktdks"k fcyksa] tek çek.k i=ksa rFkk okf.kfT;d dkxtkrksa
dk ewY;kadu mudh j[kko ykxr ij fd;k tkrk gSA
vii. dksV gksus ij E;wpqvy QaMksa dh ;wfuVksa dk ewY;kadu cktkj
- 90 -
ewY; ij fd;k tkrk gS; vU;Fkk iqu% [kjhn ewY; vFkok
fuoy vkfLr ewY; ¼,u,oh½ nksuksa esa tks Hkh de gks] ml ewY;
ij fd;k tkrk gSA ;fn fuf/k;ka y‚d&bu vof/k esa gSa] tgka
iqu%[kjhnh ewY; @ cktkj dksV miyC/k ugha gks rks] ;wfuVksa
dk ewY;kadu ,u,oh ij vFkok y‚d&bu vof/k dh lekfIr
rd dh ykxr ij fd;k tkrk gSA
viii. 23-08-2006 ds ckn fd;s x;s tksf[ke iwath fuf/k;ksa
¼ohlh,Q½ @ oSdfYid fuos'k fuf/k ¼,vkbZ,Q½ ds ;wfuVksa esa
fuos'k] 3 lkyksa dh çkjafHkd vof/k ds fy, ,pVh,e Js.kh esa
oxhZ—r gksrs gS ,oa budk ykxr ij ewY;kadu fd;k tkrk
gSA laforj.k dh rkjh[k ls 3 lkyksa ds le; ds ckn] ;g
,,Q,l esa ifjofrZr fd;k tk,xk vkSj Hkkjrh; fjtoZ cSad
ds fn'kkfunsZ'kksa ds vuqlkj cktkj ds fy, vafdr fd;k
tk,xkA
ix. fons'kh 'kk[kkvksa ds fuos'k ds laca/k esa] Hkkjrh; fjtoZ cSad ds
fn'kkfunsZ'k ;k estckuh ns'k ds fn'kkfunsZ'k] tks Hkh T;knk
dBksj gSa] dk ikyu fd;k tk,xkA ,sls ns'kksa esa fLFkr
'kk[kkvksa ds ekeys esa] tgk¡ dksbZ fn'kkfunsZ'k fofufnZ"V ugha
fd, x, gSa] Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa dk ikyu
fd;k tk,A
4-4- Hkkjrh; fjtoZ cSad }kjk tkjh fn'kkfunsZ'kkuqlkj vutZd fuos'k
¼,uihvkbZ½ dh igpku fuEufyf[kr :i esa fd;k x;k gS %
l çfrHkwfr;k¡ @ vlap;h vf/kekuh 'ks;j ftuesa C;kt @ fu;r
ykHkka'k @ fdLr ¼ifjiDork jkf'k dks feykdj½ ns; gS rFkk 90 fnu
dh vof/k ls vf/kd le; rd mldk Hkqxrku ugha fd;k x;k gSA
l vxj cSad ls tkjhdrkZ }kjk çkIr dksbZ _.k lqfo/kk dks
xSj&fu"ikfnr vfxze ekuk x;k gS] rks mlh tkjhdrkZ }kjk tkjh dh
xbZ fdlh Hkh çfrHkwfr ftlesa vf/kekuh 'ks;j 'kkfey gS] esa fuos'k dks
,uihvkbZ ds :i esa ekuk tk,xk vkSj blds foijhrA gkykafd] vxj
dsoy vf/kekuh 'ks;jksa dks ,uih, ds :i esa oxhZ—r fd;k tkrk gS]
rks mlh tkjhdrkZ }kjk tkjh dh xbZ vU; fu"ikfnr çfrHkwfr;ksa esa
fuos'k dks ,uihvkbZ ds :i esa oxhZ—r ugha fd;k tk ldrk gS vkSj
ml m/kkjdrkZ dks nh xbZ fdlh Hkh fu"ikfnr _.k lqfo/kkvksa dks
,uih, ds :i esa ugha ekuk tkuk pkfg,A
l dsUæh; ljdkj dh xkjaVh çkIr fuos'kksa ds vfrns; gksus ij Hkh mUgsa
rHkh ,uih, ekuk tk,xk tc xkjaVh ykxw dh tkus ij ljdkj
mldk fujkdj.k djrh gSA
l ;fn C;kt @ ewy fdLr ¼ifjioäk laçkfIr;ksa dks 'kkfey djrs
gq,½ vFkok cSad dks ns; vU; dksbZ jkf'k] 90 fnuksa ls vf/kd ds fy,
vnÙk cuh jgrh gks] rks jkT; ljdkj }kjk çR;kHkwr çfrHkwfr;ksa esa
fuos'k dks] tksfd **ekus x, vfxzeksa* ds :i esa gSa] vkfLr oxhZdj.k
vkSj çko/kkuhdj.k ekunaMksa ds v/;/khu j[kk tkrk gSA
l bfDoVh fuos'k] ,uihvkbZ ds :i esa oxhZ—r] 'ks;jksa dks cktkj ewY;
ij ewY;kafdr fd;k tkrk gSaA vxj m)`r fd;k x;k gS vkSj ;fn
bls m)`r ugha fd;k x;k gS ds ekeys esa] rks 'ks;jksa dk ewY; çfr
daiuh ` 1@& gksrk gSA
4-5- çfrHkwf r;ks a dh ykxr es a ls nykyh @ deh'ku @ va ' knkuks a ij
çkIr çks R lkgu dks ?kVk fn;k tkrk gS A çfrHkw f r;ks a ds vtZ u ds
la c a / k es a vnk dh x;h nykyh @ deh'ku @ LVkai 'kqYd dks jktLo
O;; ekuk tkrk gSA
4-6- O;kikj ds fy, C;kt nj LoSi ysunsuksa dks frekgh vk/kkj ij cktkj dks
vafdr fd, tkrs gSaA dqy vnyk&cnfy;ksa ds mfpr ewY; dk vkdyu]
rqyu&i= dh rkjh[k ij vnyk&cnyh djkjksa dks lekIr fd, tkus ij
çkIr @ çkI; ;k çnÙk @ çns; jkf'k ds vk/kkj ij fd;k tk,xkA blls
gksusokyh gkfu;ksa ds fy, iw.kZ çko/kku fd;k x;k gS] tcfd ykHk ;fn gks]
ij /;ku ugha fn;k tk,xkA
4-7- ,Dlpsat dkjksckj fons'kh fofue; MsfjosfVo ;kuh eqæk ok;ns dk
ewY;kadu ,Dlpsat }kjk fu/kkZfjr ewY;ksa ij fd;k tkrk gS vkSj ifj.kkeh
ykHk vkSj gkfu dh igpku ykHk vkSj gkfu ys[ks esa dh tkrh gSaA
4-8- ,Qlh,uvkj ¼ch½ M‚yj tekvksa ds fy, Hkkjrh; fjtoZ cSad ds fofue;
LoSi dh lqfo/kk dh 'kq#vkr esa mRiUu gksusokys çhfe;e @ C;kt] LoSi
vuqca/k dh vof/k ds nkSjku [kpZ ds :i esa ifj'kksf/kr fd;k tkrk gSA
4-9- fuos'k dh dher ds fu/kkZj.k çR;sd oxZ esa Hkkfjr vkSlr dher i)fr
ds vk/kkj ij fd;k tkrk gSA ,pVh,e ds varxZr oxhZ—r fuos'kksa dks
Hkkfjr vkSlr dher i)fr ds rgr çkIr vf/kxzg.k dher ds vk/kkj ij
ys fy;k x;k gS rFkk Hkkfjr vkSlr dher ds vafdr ewY; ls vf/kd gksus
dh fLFkfr esa çhfe;e dks dsoy 'ks"k ifjiDork vof/k gsrq ifj'kksf/kr dj
fn;k tkrk gSA
jsiks ,oa fjolZ jsiks ysunsuksa ds fy, ys[kkdj.k
l HkkfjcSad ds fn'kkfunsZ'kkuqlkj rjyrk lek;kstu lqfo/kk,a ¼,y,,Q½]
ifjorZuh; nj vof/k çpkyu rFkk ,e,l,Q ,oa ekdsZV jsiksa ysu&nsuksa dks
'kkfey djrs gq, HkkfjcSad ds lkFk lHkh çdkj ds jsiks @ fjolZ jsiks ysunsuksa
dk fglkc j[kk tkrk gSA
l jsiks @ fjolZ jsiks ds rgr csph xbZ vkSj [kjhnh xbZ çfrHkwfr;ksa dks
f=i{kh; jsiks ds :i esa fy;k tkrk gSa ftlesa] çfrHkwfr;ksa dks lkekU;
,deq'r fcØh @ [kjhn ysunsuksa ds ekeys esa varfjr fd, tkrs gSa vkSj bl
çdkj ds çfrHkwfr ds mrkj &p<+ko] jsiks @ fjolZ jsiks [kkrksa vkSj
çfr&çfof"V;ksa ds ç;ksx ls ifjyf{kr gksrk gSA mijksä çfof"V;k¡
ifjiDork dh rkjh[k ij çfrofrZr gks tkrh gSA ekeys ds vk/kkj ij ykxr
,oa jktLo dks C;kt O;;@vk; ds :i esa fy;k tk,xkA jsiks [kkrs esa 'ks"k]
vuqlwph 4 ¼ m/kkj½ ds rgr oxhZ—r gS vkSj fjolZ jsiks [kkrs esa 'ks"k] vuqlwph
7 ¼ cSadksa esa 'ks"k ,oa ekax rFkk vYi lwpuk ij çkI; /kujkf'k½ ds rgr
oxhZ—r gSA
5- iqufuZekZ.k daifu;ksa ¼vkjlh½ dks csph xbZ foÙkh; vkfLr;k¡ %
5-1- çfrHkwfrdj.k daifu;ksa @ iqufuZek.k daifu;ksa }kjk] mUgsa csph xbZ foÙkh;
vkfLr;ksa ds laca/k esa tkjh dh xbZ çfrHkwfr jlhnksa dks muds çfrns; ewY;
vkSj foÙkh; vkfLr;ksa ds fuoy cgh ewY;] ls de Lrj ij ewY;kafdr fd;k
tkrk gSA çfrHkwfrdj.k jlhn dks fuEu ij ewY;kafdr fd;k tkrk gS
¼,½ fnukad 01-04-2017 ls igys ,lvkj @ vkjlh tkjh fd, x, çfrHkwfr
jlhn dks ifjlEifÙk iqufuZek.k daiuh }kjk rqyu i= ds fnukad ij
?kksf"kr fuoy ifjlaifÙk ewY; ij ewY;kafdr fd;k tkrk gS vkSj ewY;ºzkl
gksus ij mlds fy, çko/kku fd;k tkrk gS rFkk ewY;o`f) gksus ij mlij
/;ku ugha fn;k tkrkA
¼ch½ 01 vçSy 2017 ds çHkko ls vkjchvkbZ }kjk tkjh fd, x, la'kksf/kr
fn'kkfunsZ'kksa ds vuqlkj ,lvkj ij çko/kku dh vko';drk fuEu fcUnqvksa
ls vf/kd gksxhA
(i) ,llh @ vkjlh }kjk ?kksf"kr fuoy vkfLr ewY; ds lanHkZ esa
çko/kku nj
(ii) varfuZfgr _.k ij ykxw gksus okyh çko/kku nj] ;g ekurs gq, fd
_.k cSad dh cgh esa fujarj tkjh jgk gS
5-2- vkjlh dks csph x;h foÙkh; vkfLr;ksa ds ekeys esa mudk ewY;kadu vkSj
- 91 -
vk; dh igpku] Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj fd;k
tkrk gSA vxj fcØh ewY;] fuoy cgh ewY; ¼,uchoh½ ls de gS ¼;Fkk]
cgh ewY; ls j[ks x;s çko/kku ?kVkus ds ckn dk ewY;½ rks Hkkjrh; fjtoZ
cSad ds fo|eku fn'kkfunsZ'kksa ds vuqlkj mlls gksusokyh deh dks ykHk o
gkfu [kkrs esa ukes Mkyk tk,xk ;k j[kh x;h vLFkk;h çko/kku dk ç;ksx
djrs gq, bldk leatu fd;k tk,xkA
;fn çkIr udnh ¼vkjafHkd çfrQy vkSj @ ;k çfrHkwfr jlhnksa ds ekspu
ds tfj,½ vkjlh dks csph xbZ vutZd vkfLr;ksa ¼,uih,½ ds fuoy cgh
ewY; ls vf/kd gksrh gS rks vfrfjä çko/kku dks ykHk ,oa gkfu [kkrs esa
çR;kofrZr fd;k tkrk gSA ykHk ,oa gkfu [kkrs esa çR;kofrZr fd, x,
vfrfjä çko/kku dh çek=k ml lhek rd lhfer gS ftl lhek rd
çkIr udnh csph xbZ vutZd vkfLr;ksa ¼,uih,½ ds fuoy cgh ewY; ls
vf/kd gksrh gSA
6- vfxze
6-1- Hkkjrh; fjtoZ cSad }kjk tkjh foosdiw.kZ ekun.Mksa ds vuqlkj Hkkjr esa
vfxzeksa dks m/kkjdrkZ&okj ekud] vo&ekud] lafnX/k vkSj gkfu
vkfLr;ksa ds :i esa oxhZ—r fd;k x;k gSA
6-2 vutZd vfxzeksa ds fy, çko/kku fu;ked vko';drkvksa ds vuqlkj bl
çdkj fd, x, gSa(
,½ voekud %
i) dqy cdk;k ij 15% dk lkekU; çko/kku
ii) çdVhdj.k gsrq 10% vfrfjä çko/kku tks çkjEHk ls gh
vjf{kr gSaA ¼vFkkZr] tgka çfrHkwfr;ksa dk okLrfod ewY;
çkjEHk ls gh 10% ls vf/kd ugha gS½
ch½ lafnX/k laoxZ & 1 %
i) lqjf{kr Hkkx ds fy, 25%
ii) vjf{kr Hkkx ds fy, 100%
lh½ lafnX/k laoxZ & 2 %
i) lqjf{kr Hkkx ds fy, 40%
ii) vjf{kr Hkkx ds fy, 100%
Mh½ lafnX/k oxZ& 3 ,oa gkfu vfxze & 100%
l iquxZfBr @ iqulaZjfpr ekud vfxze lfgr ekud vfxzeksa ds fy,
Hkkjrh; fjtoZ cSad ds funs'kksa ds vuqlkj çko/kku fd;k tkrk gSA
l fons'kh 'kk[kkvksa ds ekeys esa _.k gkfu;ksa ds fy, vk;&fu/kkZj.k]
vkfLr oxhZdj.k rFkk çko/kku] LFkkuh; vko';drkvksa vFkok
Hkkjrh; fjtoZ cSad ds foosdiw.kZ ekunaMksa esa ls tks Hkh vf/kd l[r
gks] ds vuqlkj fd;k tkrk gSA
vkxs] Hkkjrh; fjtoZ cSad }kjk tkjh fd;s x;s fofu;eksa ds laca/k esa
vxj dksbZ vkfLr dks cSad ds leqæikj cgh esa fdlh Hkh le;
xSj&fu"ikfnr vkfLr ds :i esa oxhZ—r fd;k tkuk gS rks cSad }kjk
_.kdrkZ dks çnku dh xbZ lHkh lqfo/kkvksa rFkk _.kdrkZ }kjk
tkjh dh x;h lHkh çfrHkwfr;ksa esa fuos'k dks ,uih, @ ,uihvkbZ ds
:i esa oxhZ—r fd;k tk,xkA
rFkkfi estcku fofu;kedksa }kjk [kkrksa dks olwyh ls vU;
dkj.ko'k xSj fu"ikfnr @ ckf/kr vkfLr;ksa ¼,uih,½ ds :i esa
oxhZ—r fd;k tkrk gS] rks Hkkjr esa foÙkh; foojf.k;ksa ds lesdu
djrs le;] mUgsa ,uih, ds :i esa oxhZ—r fd;k tk,xk rFkk
 vko';drkuqlkj çko/kku fd;k tk,xk] tcfd mlh çfri{kdkjksa
dks vU; {ks=kf/kdkj esa ¼Hkkjr dks lfEeyr dj½ çnÙk vU; _.k
,DLikstj ds laca/k esa vkfLr oxhZdj.k] lacaf/kr {ks=kf/kdkj esa
fo|eku fn'kkfunsZ'kksa ls vf/k'kkflr gksxkA
l çdV fd;s x, vfxze] xSj&fu"ikfnr vkfLr;ksa] MhvkbZlhthlh
@ bZlhthlh @ lhthVh,e,lbZ ls çkIr rFkk lek;kstu gsrq
yafcr j[ks x, nkoksa] fofo/k [kkrs esa çkIr vkSj j[kh xbZ
pqdkSfr;ksa] lgHkkfxrk çek.k&i=ksa ,oa iqu% Hkquk;s x;s fe;knh
fcyksa ds fy, fd, x, çko/kkuksa vkSj ekud vkfLr;ksa ds :i esa
oxhZ—r iquZxfBr [kkrksa ds mfpr ewY; esa vf/kR;kx ds cnys
çko/kku ds ckn fuoy gSaA
7- vpy vkfLr;k¡ @ ewY;ºzkl
7-1- vpy laifÙk;ksa dks ykxr @ iquewZY;kadu jkf'k ?kVkdj lafpr
ewY;ºzkl @ ifj'kks/ku fd;k tkrk gSA
7-2- ykxr esa [kjhn dh ykxr vkSj lHkh O;; tSls lkbV dh rS;kjh] LFkkiuk
ykxr vkSj ifjlaifÙk dk mi;ksx djus ls iwoZ muij O;; fd, x,
o`fÙkd 'kqYd 'kkfey gSA mi;ksx esa vkus okyh ifjlEifÙk;ksa ij fd, x,
ckn ds O;; dk iwathdj.k rHkh fd;k tkrk gS tc ;g ,slh ifjlaifÙk;ka
mudh dk;Z {kerk ij Hkfo"; ds vkfFkZd ykHk dks c<+krh gSA
7-3- Hkkjr esa bekjrksa dk ewY;ºzkl ¼tehu dh ykxr lfgr tgka vfoHkkT; @
vyx ugha gS½ vkSj vU; vpy laifÙk;ksa dks LVªsV ykbu i)fr ls njksa @
mi;ksx dh x;h le;&lhek ds vk/kkj ij fd;k tk,xk] tSlk fd uhps
of.kZr gS %
ds fy, vkuqikfrd vk/kkj ij ewY;ºzkl fd;k tk,xkA
7-5- ` 5000@& rd dh laifÙk dk iwjh rjg ls ewY;ºzkl mlh o"kZ fd;k
tk,xk ftl o"kZ mls [kjhnk x;k gksA
7-6- iquewZY;kadu ds le; ewY;kafdr dh xbZ ifjlaifÙk dks mlds mi;ksx gsrq
'ks"k le;&lhek ds vk/kkj ij ewY;ºzkl fd;k tk,xk A
iquewZY;kadu ds dkj.k ifjlaifÙk ds 'kq) cgh ewY; esa o`f) dks ykHk vkSj
gkfu [kkrs ds ek/;e ls :V fd, fcuk iquewZY;kadu gsrq fjtoZ [kkrs esa
tek fd;k tk,xkA vkbZlh,vkbZ }kjk tkjh la'kksf/kr ,,l 10 ds
vuqlkj] iquewZY;kadu ?kVd ls lacaf/kr ewY;ºzkl dks jktLo O;; ds
rgr çHkkfjr fd;k tk,xk vkSj ,d lerqY; jkf'k lh/ks iquewZY;kadu
fjtoZ ds fo#) çHkkfjr fd;k tk,xk rFkk vkbZlh,vkbZ }kjk tkjh
la'kksf/kr ,,l 10 ds vuqlkj jktLo fjtoZ esa tek fd;k tk,xkA
7-7- mu vkfLr;ksa ds ekeys esa tgka ljdkj ls lfClMh çkIr gksrk gS] mldks
rRlacaf/kr vkfLr [kkrk esa tek fd;k tkrk gS vkSj rnuqlkj ewY;gªkl
çHkkfjr fd;k tkrk gSA
7-8- iêsokyh Hkwfe ij çhfe;e] vf/kxzg.k ds o"kZ esa iwath—r fd;k tkrk gS vkSj
iês dh vof/k ij ifj'kksf/kr fd;k tkrk gSA
7-9- fons'kh 'kk[kkvksa dh vpy vkfLr;ksa ds laca/k esa ewY;ºzkl dh O;oLFkk mu
ns'kksa esa çpfyr i)fr;ksa ds vuqlkj dh tkrh gSA
7-10- xSj&cSafdax vkfLr;ksa ¼,uih,½ ds laca/k esa dksbZ ewY;ºzkl çHkkfjr ugha
fd;k tkrk gSA

Øa- vpy vkfLr;ksa dk ewY;ºzkl ewY;ºzkl dh nj / 8- jktLo igpku

la- mi;ksx dh x;h 8-1- vk; vkSj O;; dks] tc rd vU;Fkk ugha dgk tk,] lkekU;r% lap;h
le;&lhek vk/kkj ij fglkc esa fy;k tkrk gSA
1. daI;wVj 33.33% çfro"kZ 8-2- xSj&fu"iknd vkfLr;ksa] ljdkj }kjk xkjaVh—r vkfLr;ksa ¼t® 90 fnu®a
2. ,sls daI;wVj l‚¶Vos;j tks daI;wVj 33.33% çfro"kZ ls T;knk vfrns; gS½a ykHkka'k vk;] chek nkos] tkjh fd;s x;s lk[k&i=ksa @
gkMZos;j dk ,d vfHkUu vax gSaA xkjafV;ksa ij deh'ku ¼ifj;kstuk foÙk ls brj½] cSad ,';wjsUl mRiknksa ij
3. ,sls daI;wVj l‚¶Vos;j tks daI;wVj 33.33% çfro"kZ
vk;] /ku çca/ku ij vk;] [kjhns x, fcyksa ij vfrfjä C;kt @ vfrns;
gkMZos;j vkSj l‚¶Vos;j MsoyiesaV çHkkj] ØsfMV dkMksaZ ij foÙkh; çHkkj] iqu% {kfriwfjr djus ds cSad ds
dh ykxr dk ,d vfHkUu vax vf/kdkj ij O;;] MsfcV dkMksaZ ij ,,elh çHkkj vkfn dks mudh olwyh
ugha gSa A gksus ij fglkc esa fy;k x;k gS vkSj çkIr fd, x, y‚dj fdjk;k mip;
4. v‚VksesVsM Vsyj e'khu @ 20.00% çfro"kZ
vk/kkj ij ys[kkafdr fd;k tkrk gSA
dS'k fMi‚ftV e'khu @ Dokbu 8-3- vfrns; fons'kh fcyksa ds ekeys esa] C;kt vkSj vU; çHkkjksa dks Hkkjrh;
osafMax e'khu fons'kh eqæk O;kikjh la?k ¼QsMkbZ½ ds fn'kkfunsZ'kksa ds vuqlkj
5. loZj 33.33% çfro"kZ fdLVªyhdj.k dh rkjh[k rd ekuk x;k gSA
6. usVodZ midj.k 20.00% çfro"kZ 9- ØsfMV dkMZ iqjLdkj IokbaVl
7. vU; vpy vkfLr;ka vkfLr;ksa ds çeq[k lewg dkMZ lqfo/kk ds mi;ksx ij dkMZ lnL;ksa }kjk vftZr iqjLdkj IokbaVksa dks
dk mi;ksx djus dh bl çdkj ds mi;ksx ds dkj.k O;; ds :i esa igpkuk tkrk gSA
vuqekfur le;&lhek
fuEukuqlkj gS: 10- fuoy ykHk@gkfu
ifjlj % 60 o"kZ fuEufyf[kr ij fopkj djus ds i'pkr~ ykHk o gkfu ys[ks esa n'kkZ;k x;k
ifj.kke %
frtksfj;ka @ y‚dj @
njokts ¼LVhy½ % 20 o"kZ - xSj fu"iknd vfxzeksa vkSj @ vFkok fuos'kksa ds fy, çko/kku
okgu % 5 o"kZ - ekud vfxzeksa ij lkekU; çko/kku
QuhZpj ,oa - iqu% lajfpr vfxzeksa gsrq çko/kku
fQDLpj % 10 o"kZ
- vpy vkfLr;ksa ij ewY;ºzkl ds fy, çko/kku
eksckby Qksu % 1 o"kZ
- fuos'kksa ij ewY;ºzkl ds fy, çko/kku
7-4- o"kZ ds nkSjku csph xbZ @ vftZr dh xbZ laifÙk;ksa ds laca/k esa] o"kZ ds
- vkdfLedrk fuf/k dks @ ls varj.k
nkSjku iwathdj.k dh rkjh[k ls @ laifÙk ds mi;ksx dh x;h le;&lhek

- 92 -
 - çR;{k djksa ds fy, çko/kku
- vjf{kr fons"kh eqæk ,Dlikstj ds fy, çko/kku
- lkekU; vFkok @ vkSj vU; vko';d çko/kku
11- LVkQ lsokfuo`fÙk ykHk
i) Hkfo"; fuf/k
Hkfo"; fuf/k ,d oS/kkfud nkf;Ro gS vkSj va'knk;h Hkfo"; fuf/k dk
fodYi pquusokyksa ds ekeys esa cSad iwoZfu/kkZfjr njksa ij fuf'pr va'knku
vnk djrk gSA ,sls fuf'pr va'knku dh jkf'k rd gh cSad dk nkf;Ro
lhfer gSA bu va'knkuksa dks ykHk ,oa gkfu ys[ks esa çHkkfjr fd;k tkrk gSA
fuf/k dk çca/k bafM;u cSad LVkQ Hkfo"; fuf/k U;kl }kjk fd;k tkrk gS A
ii) minku
bafM;u cSad deZpkjh minku fuf/k fu;eksa ,oa fofu;euksa ds vuqlkj
minku ns;rk ,d oS/kkfud nkf;Ro gS vkSj foÙkh; o"kZ ds var esa fd, x,
chekafdd ewY;kadu ds vk/kkj ij blds fy, çko/kku fd;k tkrk gSA cSad
}kjk minku ns;rk dk fu/kh;u fd;k tkrk gS vkSj bldk çca/k bafM;u
cSad deZpkjh minku fuf/k U;kl }kjk fd;k tkrk gSA
iii) isa'ku
l bafM;u cSad ¼deZpkjh½ isa'ku fofu;eu 1995 ds rgr isa'ku ns;rk
,d ifjHkkf"kr ykHkdkjh nkf;Ro gS rFkk 31-03-2010 rd cSad esa HkrhZ
gq, vkSj isa'ku dk fodYi nsusokys deZpkfj;ksa dks ;g chekafdd
ewY;kadu ds vk/kkj ij çnku dh tkrh gSA
l ubZ isa'ku ;kstuk ¼,uih,l½ tks mu deZpkfj;ksa ij ykxw gksrh gS]
ftudh HkrhZ cSad esa 01-04-2010 ds ckn gqbZ gS vkSj ;g ,d
ifjHkkf"kr va'knku ;kstuk gSA ,uih,l ds varxZr cSad iwoZ fu/kkZfjr
nj ij ,d fuf'pr va'knku vnk djrk gS vkSj cSad dk nkf;Ro ,sls
fuf'pr va'knku rd lhfer gSA bl va'knku dks ykHk ,oa gkfu
[kkrs esa çHkkfjr fd;k tkrk gSA
iv) {kfriwfjr vuqifLFkfr;k¡
lafpr {kfriwfjr vuqifLFkfr;k]¡ tSls fo'ks"kkf/kdkj vodk'k vkSj
fpfdRlk vodk'k] ds fy, chekafdd ewY;kadu ds vk/kkj ij çko/kku
fd;k tkrk gSA
v) vU; deZpkjh lqfo/kk,¡
vU; deZpkjh lqfo/kk,¡ tSls Nqêh ;k=k fj;k;r vkSj lsokfuo`fÙk ij
vfrfjä lsokfuo`fÙk ykHk] chekafdd ewY;kadu ds vk/kkj ij miyC/k
djok, tkrs gSaA leqæikjh; 'kk[kkvksa ,oa dk;kZy;ksa esa çfrfu;qfä ds
vykok dk;Zjr deZpkfj;ksa ls lacfU/kr ykHk rRlaca/kh dk;kZf/kdkj {ks=ksa
ds dkuwu ds rgr ewY;kafdr ,oa ys[kkc) fd, tkrs gSaA
12- iês gsrq ys[kkadu
ifjpkyuxr iêksa ij yh xbZ vkfLr;ksa gsrq iêk Hkqxrkuksa dh dher o`f)
lfgr iêk vof/k ;k vkfLr dh vof/k] Hkh tks de gks] ds nkSjku ykHk o
gkfu [kkrs esa vfHkKkr fd;s tkrs gSaA
13- vkdfLed ns;rk,a vkSj çko/kku %
13-1- vkdfLed ns;rk % igys fd, x, fØ;kdykiksa dks ftuls orZeku esa
laHkkO; ck/;rk,a gks ldrh gSa] fuEu n'kkvksa esa vkdfLed ns;rk ds :i esa
igpkus tkrs gSa] tgka %
,½ ,slh ck/;rkvksa dk vfLrRo iqf"V—r ugha fd;k x;k gSA
ch½ ,slh ck/;rkvksa ds fuiVkjs ds fy, lalk/kuksa dk ckgjh çokg
visf{kr ugha gSA
- 93 -
lh½ ck/;rkvksa dh jkf'k dk ,d fo'oluh; vkdyu ugha fd;k tk
ldrk gSA
Mh½ ,slh jkf'k;k¡ HkkSfrd ugha gSaA
13-2- ,½ orZeku ck/;rkvksa ds ekeys esa] tgk¡ fo'oluh; vkdyu fd;k
tk ldrk gS vkSj @ ;k tgk¡ cgqr NksVs nkoksa dks NksM+dj
ck/;rkvksa dk fuiVku djus ds fy, vkfFkZd ykHkksa dk R;kx djrs
gq, lalk/kuksa dk ckgjh çokg gksus dh laHkkouk gS] çko/kku dh
igpku dh tkrh gSA
ch½ cktkj tksf[ke] ns'k&fo'ks"k dh tksf[ke vkfn ds fy, çko/kku
Hkkjrh; fjtoZ cSad ds orZeku fn'kkfunsZ'kksa ds vuqlkj fd, tkrs
gSaA
lh½ cSad çca/ku }kjk vfHkigpkfur :i ls ¶yksfVax çko/kku dh
O;oLFkk dh tkrh gSA
HkkfjcSad ds orZeku fn'kkfunsZ'kksa ds vuqlkj vLFkk;h çko/kku dk mi;ksx
fuEu enksa ds fy, fd;k tk ldrk gSA
(i) xSj&fu"ikfnr vkfLr;ksa ds fy, fof'k"V çko/kku j[kuk
(ii) xSj&fu"ikfnr vkfLr;ksa esa fcØh esa gksusokyh deh dh iwfrZ
djuk
14- vkfLr;ksa dk vutZd gksuk %
vpy vkfLr;ksa ¼iquewZY;kafdr vkfLr;ksa lfgr½ ds laca/k esa vkfLr;ksa dh
gkfu ;fn dksbZ gks] ys[kk ekud 28 ÞvkfLr;ksa dk vutZd gksukß ds
vuq:i igpkuh tkrh gS vkSj mUgsa ykHk ,oa gkfu ys[ks esa çHkkfjr fd;k
tkrk gSA rFkkfi] iquewZY;kafdr vkfLr ij vutZd gkfu dks ml vkfLr
ds fy, j[kh x;h iquewZY;kafdr vf/k'ks"k jkf'k ds rgr vfHkKkfur fd;k
tkrk gS tcrd mlh vkfLr ds fy, iquewZY;kafdr vf/k'ks"k jkf'k esa j[kh
x;h jkf'k vutZd vkfLr ls vf/kd u gksA
15- vk; ij dj
15-1- orZeku dj ,oa vkLFkfxr dj nksuksa ds fy, dj gsrq çko/kku fd;k tkrk
gSA
15-2- orZeku dj dk ekiu] dj çkf/kdkfj;ksa dks vnk dh tkusokyh çR;kf'kr
jkf'k ds vuqlkj ykxw dj njksa] dj dkuwuksa ,oa vuqdwy U;kf;d
QSlyksa @ fof/kd jk; dk ç;ksx djrs gq, fd;k tkrk gSA
15-3- le; esa varj ds dkj.k mRiUu gksusokyh vkLFkfxr dj vkfLr;ka ,oa
ns;rk,a] tksfd vkusokyh vof/k;ksa esa fjolZy dh {kerk j[krh gks] dh
igpku] rqyu&i= dh frfFk rd ykxw dj nj ;k ckn esa ykxw fd, x,
dj njksa dk ç;ksx djrs gq, dh tkrh gSA vkLFkfxr dj vkfLr;ksa dh
igpku 'ks"k vlaxr ewY;ºzkl rFkk dj ?kkVs ij dh tkrh gS] ;fn dsoy
ÞopqZvy fuf'prrkß gS rFkk vU;ksa ds laca/k esa] ;fn i;kZIr Hkfo"; dj
;ksX; vk; miyC/k gksxh] ftlls ,slh vkLFkfxr dj vkfLr;k¡ mxkgh
tk,axhA
 vuqlwph 18&LVSaMvyksu foÙkh; fooj.kksa ls
lac) ys[kksa ij fVIif.k;k¡ ¼2021&22½
1- fofu;ked iw¡th
,- fofu;ked iw¡th ds ?kVd
¼jkf'k ` djksM+ esa½
Øe la- fooj.k 2021-22 2020-21

I) lkekU; bZfDoVh fV;j 1 iwath ¼lhbZVh 1½ 38725.15 33608.94

ii) vfrfjä fV;j 1 iwath 1980.00 1980.00

iii) fV;j 1 iwath (i + ii) 40705.15 35588.94

iv) fV;j 2 iwath 10394.93 11255.87

v) dqy iwath ¼fV;j 1+fV;j 2½ 51100.08 46844.81

vi) dqy tksf[ke&Hkkfjr vkfLr;ka ¼vkjMCY;w,½ 308937.61 298096.60

vii) lhbZVh 1 vuqikr ¼vkjMCY;w, ds çfr'kr Lo:i lhbZVh 1½ 12.53% 11.27%

viii) fV;j 1 vuqikr ¼vkjMCY;w, ds çfr'kr Lo:i fV;j 1 iwath½ 13.17% 11.93%

ix) fV;j 2 vuqikr ¼vkjMCY;w, ds çfr'kr Lo:i fV;j 2 iwath½ 3.36% 3.78%

x) tksf[ke&Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼lhvkj,vkj½ 16.53% 15.71%

¼vkjMCY;w, ds çfr'kr Lo:i dqy iwath½

xi) yhojst vuqikr 5.64% 4.71%

xii) Hkkjr ljdkj ds 'ks;j/kkfjrk dk çfr'kr 79.86% 88.06%

xiii) o"kZ ds nkSjku tqVkbZ xbZ çnÙk bZfDoVh iwath dh jkf'k 116.07** -

xiv) o"kZ ds nkSjku tqVkbZ xbZ xSj&bZfDoVh fV;j 1 iwath dh jkf'k] ftlesa ls % – 2000.00
csly III vuqorhZ LFkk;h _.k fy[krsa – 2000.00

xv) tqVkbZ xbZ vfrfjä fV;j 2 iwath dh jkf'k; ftlesa ls – 2000.00

csly III vuqorhZ _.k iwath dh fy[kr % – 2000.00

uksV% ** foÙk o"kZ 2021&22 ds nkSjku] cSad us ik= laLFkkuksa ds #i;s 142-15 çfr bfDoVh 'ks;j ds fuxZe ewY; lfgr #i;s 132-15 çfr bfDoVh 'ks;j ds çhfe;e ij IyslesaV
ds ek/;e ls :i;s 1650 djksM+ dh bfDoVh iwath tqVkbZ gSA D;wvkbZih ds rgr #i;s 10 ds vafdr ewY; ds 11,60,74,569 u, bfDoVh 'ks;jksa ds vkoaVu ds ckn] cSad ds dqy
çnÙk 'ks;j 112,93,66,570 ls c<+dj 12,54,41,139 gks x,A

ch- vkgj.k }kjk çkjf{kr fuf/k esa fxjkoV ¼jkf'k ` djksM+ esa½
vkjf{kr fuf/k;ka vkgj.k dh xbZ jkf'k ç;kstu

2021-22 2020-21
fjtoZ dk iquewZY;u
143.42 142.87 ifjlj ij iquewZY;kafdr Hkkx ij ewY;ºzkl

* o"kZ 2021&22 ds fy,] jkf'k dks ,,l10 ekudksa ds çko/kkuksa ds vuqlkj jktLo vkjf{kr [kkrs esa tek fd;k x;k FkkA

- 94 -
2- vkfLr ns;rk çca/ku
,- ;FkkfLFkfr 31 ekpZ 2022 dks laifÙk vkSj nsunkfj;ksa dh dfri; oLrqvksa dh ifjiDork iSVuZ ¼jkf'k ` djksM+ esa½

31 fnu 2 eghuksa 3 eghuksa 6 eghuksa 1 o"kZ ls 3 o"kksaZ

1 2 ls 8 ls 15 ls 5 o"kksaZ
ls 2 ls 3 ls vf/kd ls vf/kd vf/kd ls vf/kd dqy
fnu 7 fnu 14 fnu 30 fnu ls
eghuksa eghuksa rFkk 6 rFkk 1 rFkk 3 rFkk 5
vf/kd
rd rd eghuksa rd o"kZ rd o"kksaZ rd o"kksaZ rd
tek,a 5027.27 16470.30 13487.73 19073.00 23215.33 28660.05 33662.81 42308.15 68964.57 57032.74 285715.86 593617.81
vfxze 4642.20 5075.71 6169.22 8684.51 16889.71 14524.67 21851.45 39896.86 149150.18 63129.76 59171.80 389186.06
fuos'k* 26398.06 13503.04 10208.16 11382.52 2743.67 2473.02 5739.99 8325.67 16308.61 10904.50 66133.45 174120.69
m/kkj 343.45 0.00 322.53 0.00 330.83 322.53 1059.18 2270.40 6495.40 6000.00 0.00 17144.31
fons'kh 93.92 489.51 185.98 1077.07 2035.72 2068.64 703.42 1918.42 2626.06 595.55 474.27 12268.56
eqnzk
vkfLr;ka
fons'kh 1148.89 268.65 833.27 2274.80 4967.23 6219.16 2280.30 1138.91 1747.82 1832.35 136.62 22848.00
eqnzk
ns;rk,a
* ` 437-90 djksM+ ds lwphc) bZfDoVh ds 50 çfr'kr dks NksM+dj

ch- pyfuf/k dojst vuqikr ¼,ylhvkj½ ¼jkf'k ` djksM+ esa½

frekgh1%2021&22 frekgh2%2021&22 frekgh3%2021&22 frekgh4%2021&22
dqy dqy dqy dqy dqy dqy dqy dqy
Øe iSjkehVj xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr
la- ewY; ewY; ewY; ewY; ewY; ewY; ewY; ewY;
¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½
mPp xq.koÙkk dh rjy vkfLr;ka
1 dqy mPp xq.kork dh rjy vkfLr;ka 151115.13 158314.12 166095.81 158132.09
¼,pD;w,y,½
udnh dk cká çokg
2 [kqnjk tek vkSj y?kq dkjksckjh xzkgdksa 261631.96 24395.04 261491.42 24468.63 259700.32 24317.89 267083.83 19817.54
dh tek,a ftlesa ls:
(I) fLFkj tek,a 35363.07 1768.15 33610.17 1680.51 33042.90 1652.14 137816.80 6890.84

(ii) vYi fLFkj tek,a 226268.88 22626.89 227881.24 22788.12 226657.43 22665.74 129267.03 12926.70

3 vlqjf{kr Fkksd QafMax ftuesa ls 166998.38 79476.66 167413.72 77874.98 175592.63 80940.41 177327.36 85519.68

(I) ifjpkyu tek,a ¼lHkh çfri{kdkj½ 0.03 0.01 0.00 0.00 0.00 0.00 0.00 0.00

(ii) xSj&ifjpkyu tek,a ¼lHkh çfri{kdkj½ 166105.86 78584.17 166629.94 77091.20 174712.24 80060.02 176149.35 84341.67

(iii) vkjf{kr _.k 892.48 892.48 783.78 783.78 880.39 880.39 1178.01 1178.01

4 lqjf{kr Fkksd QafMax 0.00 0.00 0.00 0.00

5 vfrfjä vis{kk,a] ftlesa ls 65030.23 26984.14 69281.45 25247.90 73874.84 29217.54 66874.64 33508.37

(I) MsfjosfVo ,Dlikstj vkSj vU; laikf'kZ~od 23353.29 23353.29 20941.21 20941.21 24941.11 24941.11 29814.25 29814.25
vko';drkvksa ls lacaf/kr cfgokZg
(ii) _.k mRiknksa ij /ku dh gkfu ls 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
lacaf/kr cfgokZg
(iii) _.k vkSj pyfuf/k lqfo/kk,a 41676.94 3630.85 48340.24 4306.69 48933.72 4276.43 37060.39 3694.12

6 vU; lafonkRed foÙk iks"k.k nkf;Ro 1911.55 1911.55 3418.20 3418.20 2938.19 2938.19 3626.74 3626.74

7 vU; vkdfLed foÙkiks"k.k nkf;Ro 36846.99 1105.41 36662.27 1099.87 37690.08 1130.70 33176.14 995.28

8 dqy udn cfgokZg 133872.80 132109.58 138544.74 143467.62

- 95 -
 ¼jkf'k ` djksM+ esa½
frekgh1%2021&22 frekgh2%2021&22 frekgh3%2021&22 frekgh4%2021&22
dqy dqy dqy dqy dqy dqy dqy dqy
Øe iSjkehVj xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr xSj&Hkkfjr Hkkfjr
la- ewY; ewY; ewY; ewY; ewY; ewY; ewY; ewY;
¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½ ¼vkSlr½
udnh dk varokZg
9 lqjf{kr m/kkj ¼;Fkk çfrorhZ jsiks½ 3103.51 0.00 12358.16 0.00 22202.84 0.00 35061.67 0.00

10 iw.kZfu"ikfnr ,Dlikstj ls varokZg 39887.37 21630.17 39837.22 22571.91 37918.61 20029.39 34474.46 18673.44

11 vU; udnh çokg 30487.92 28197.40 28051.85 25714.99 30908.97 28846.68 42438.47 37813.47

12 dqy udn varokZg 73478.80 49827.57 80247.22 48286.90 91030.42 48876.07 111974.60 56486.91

dqy dqy dqy dqy

lek;ksftr lek;ksftr lek;ksftr lek;ksftr
ewY; ewY; ewY; ewY;
13 dqy ,pD;w,y, 151115.13 158314.12 166095.81 158132.09

14 dqy 'kq) udn cfgokZg 84045.23 83822.67 89668.66 86980.71

15 pyfuf/k dojst vuqikr 179.80% 188.87% 185.23% 181.80%

uksV% * vkSlr Hkkfjr vkSj xSj&Hkkfjr jkf'k;ksa dh x.kuk lacaf/kr frekgh ds fy, nSfud fVIif.k;ksa ds vk/kkj ij lk/kkj.k vkSlr dks lekfgr djrs gq, dh tkrh gSA

xSj&Hkkfjr ewY;ksa dh x.kuk 30 fnuksa ¼varokZg vkSj cfgokZg ds fy,½ ds Hkhrj ifjiDo ;k d‚y djus ;ksX; cdk;k 'ks"k jkf'k ds :i esa dh tkrh gS] flok; tgka vU;Fkk
ifji= vkSj ,ylhvkj VsEiysV esa mfYyf[kr gSA

lacaf/kr ekftZu ¼,pD;w,y, ds fy,½ ;k varokZg vkSj cfgokZg nj ¼varokZg vkSj cfgokZg udnh ds fy,½ ds mi;ksx ds ckn Hkkfjr ewY;ksa dh x.kuk dh tkrh gSA

lek;ksftr ewY;ksa dh x.kuk (i) ekftZu ,oa varokZg vkSj cfgokZg njsa vkSj (ii) ykxw vU; dSIl ¼vFkkZr ,pD;w,y, ds fy, ysoy 2ch vkSj ysoy 2 vkfLr;ksa ij dSi ,oa
varokZg ij dSi½ nksuksa ds ç;ksx ds ckn dh tkrh gSA

;g lqfuf'pr djus ds i'pkr fd ,ylhvkj esa vf/kdre rukoxzLr vkfLr;ksa dks cuk, j[kus dh 30 fnuksa dh i;kZIr mPp xq.koÙkk ds rjy lalk/ku gSa] cSad ds pyfuf/k
tksf[ke çksQkby ds vYidkfyd yphysiu dks c<+kok nsus ds fy, bls fMtkbu fd;k x;k gSA vkjchvkbZ ds fn'kkfunsZ'kksa ds vuqlkj foÙk o"kZ 2021&22 ds fy,
nSfud vk/kkj ij ,ylhvkj dh U;wure vko';drk 100% gSA ,ylhvkj dks vkdyu djus dh i)fr vkjchvkbZ }kjk le;&le; ij v|ru fd, x,
fn'kkfunsZ'kksa ij vk/kkfjr gSA

bl ,ylhvkj dh x.kuk mPp xq.koÙkk dh rjy vçHkkfor vkfLr;ksa ¼,pD;w,y,½ dh ek=k dks rhl dSysaMj fnuksa dh vof/k esa vuqekfur 'kq) cfgokZg ls foHkkftr djds
dh tkrh gSA 'kq) udnh cfgokZg dh x.kuk vkjchvkbZ }kjk fu/kkZfjr cfgokZg dkjdksa dks fofHkUu Jsf.k;ksa dh nsunkfj;ksa ¼tek,a tSls [kqnjk] y?kq dkjksckjh xzkgd ¼tek,a
` 7-50 djksM+ rd½] vlqjf{kr vkSj lqjf{kr Fkksd m/kkj½ lkFk gh lkFk vukgfjr Lohdk;Z jkf'k;ksa vkSj rhl fnuksa ds Hkhrj ifjiDo gksus okyh vkfLr;ksa ds varokZg }kjk
vkaf'kd :i ls çfrrqfyr MsfjosfVo ls lacaf/kr ,Dlikstj esa mi;ksx djds dh tkrh gSA

cSad us 31 ekpZ] 2022 dks lekIr frekgh ds nkSjku vkSlr ,pD;w,y, ` 158132-09 djksM+ ¼ekftZu ds ckn½ cuk, j[kkA ,pD;w,y, esa eq[; :i ls ,l,yvkj çfrHkwfr;ka
'kkfey gS] tks U;wure oS/kkfud rjyrk vuqikr ¼,l,yvkj½ dh vis{kkvksa ls vf/kd gSa ,oa lhekar LFkk;h lqfo/kk ¼,e,l,Q½ ds rgr lhek ls vf/kd vis{kk dh vkSj
,ylhvkj ¼,Q,y,ylhvkj½ ds fy, rjyrk çkIr djus dh lqfo/kk vuqer gSA blds vfrfjä] vkjchvkbZ vkSj fons'kh dsaæh; cSadksa ds ikl udnh vkjf{kr vko';drk ls
vf/kd udn 'ks"k jkf'k ysoy 1 ,pD;w,y, dk fgLlk gSA 31 ekpZ] 2022 dks lekIr frekgh ds fy, Hkkjrh; cSad dk nSfud vkSlr ,ylhvkj 181-80% FkkA

cSad dh rjyrk dh t:jrksa dks gj le; iwjk djus ds fy, cSad ds ,ylhvkj ds eq[; pkyd i;kZIr mPp xq.koÙkk dh rjy vkfLr;ka ¼,pD;w,y,½ gSaA Hkkfjr udn
cfgokZg eq[; :i ls vlqjf{kr Fkksd QafMax }kjk lapkfyr gksrk gS] ftlesa dqy Hkkfjr udnh cfgokZg dk ;ksxnku 59-61% FkkA y?kq dkjksckjh xzkgdksa dh tek,a lfgr
[kqnjk tek,a dqy Hkkfjr udnh cfgokZg dk 13-81% FkkA vU; vkdfLed QafMax nkf;Roksa esa eq[; :i ls cSad xkjaVh ¼chth½ vkSj cSad ds xzkgdksa dh vksj ls tkjh fd, x,
_.k i= ¼,ylh½ 'kkfey gSaA

;FkkfLFkfr 31-03-2022 dks cSad dk ,d egRoiw.kZ çfri{k ¼tek / m/kkj½ gS] tks dqy tekvksa dk 1-27% gSA 31-03-2022 rd 'kh"kZ 20 cM+s ?kjsyw tekdrkZvksa dk ;ksxnku dqy
tekvksa dk 6-69% gSA egRoiw.kZ ?kjsyw mRikn / fy[krksa esa cpr tek] pkyw tek vkSj lkof/k tek 'kkfey gSa] tks cSad dh dqy nsunkjh dk Øe'k% 31-44%, 5-47% vkSj
51-47% gS] ftldk QafMax O;kid gS ,oa cSad ds fy, tksf[ke dsafær ugha gSA

- 96 -
 lh- fuoy fLFkj fuf/k vuqikr ¼,u,l,Qvkj½ ¼jkf'k ` djksM+ esa½
31.12.2021 31.03.2022
vof'k"V ifjiDork }kjk xSj&Hkkfjr ewY; vof'k"V ifjiDork }kjk xSj&Hkkfjr ewY;
Øe
la- <6 6 eghuksa < 6 6 eghuksa
vifjiDo* ls < 1 ≥ 1 o"kZ Hkkfjr ewY; vifjiDo* ls < 1 ≥ 1 o"kZ Hkkfjr ewY;
eghuksa eghuksa
o"kZ rd o"kZ rd
,,l,Q en
1 iwath % (2+3) 39853.48 0.00 0.00 8380.00 48233.48 44062.22 0.00 0.00 8080.00 52142.22

2 fu;ked iwath 39853.48 0.00 0.00 8380.00 48233.48 44062.22 0.00 0.00 8080.00 52142.22

3 vU; iwath fy[krsa 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 [kqnjk tek,a vkSj y?kq dkjksckjh xzkgdksa 179557.90 71882.04 70536.93 52567.02 351300.44 184908.11 73404.57 67261.82 54427.59 356530.25
dh tek,a% (5+6)
5 fLFkj tek,a 115906.39 27049.45 36128.90 20703.01 190833.52 119522.60 27985.92 34203.85 21217.20 193843.95

6 vYi fLFkj tek,a 63651.51 44832.59 34408.03 31864.01 160466.92 65385.52 45418.65 33057.96 33210.39 162686.31

7 Fkksd QafMax% (8+9) 54988.48 74936.84 44479.07 13584.79 100786.99 63018.08 98323.83 38356.79 13874.59 113723.94

8 ifjpkyu tek,a 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

9 vU; Fkksd QafMax 54988.48 74936.84 44479.07 13584.79 100786.99 63018.08 98323.83 38356.79 13874.59 113723.94

- 97 -
10 vU; nsunkfj;ka % (11+12) 4161.97 18552.36 2278.65 22295.63 22814.95 668.61 7446.72 2365.84 16473.03 16735.95

11 ,u,l,Qvkj O;qRiUu nsunkfj;ka 0.00 0.00 0.00 0.00 0.00 0.00

12 vU; lHkh nsunkfj;ka vkSj bfDoVh 4161.97 18552.36 2278.65 22295.63 22814.95 668.61 7446.72 2365.84 16473.03 16735.95
mijksä Jsf.k;ksa esa 'kkfey ugha gSa
13 dqy ,,l,Q (1+4+7+10) 523135.86 539132.36

vkjl,Q en
14 dqy ,u,l,Qvkj mPp xq.koÙkk
fyfDoM vkfLr;ka ¼,pD;w,,y½ 7790.46 7580.13

15 ifjpkyu ç;kstuksa ds fy, vU; 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
laLFkkuksa esa tek jkf'k;ka
16 fu"ikfnr _.k vkSj çfrHkwfr;k¡ % 1569.68 130779.58 54820.40 239833.32 297039.40 1651.26 139580.70 63349.65 235712.38 297275.69
(17+18+19+21+23)
17 ysoy 1 ,pD;w,y, }kjk lqjf{kr foÙkh; 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
laLFkkuksa dks çnÙk fu"ikfnr _.k
18 ysoy 1 ,pD;w,y, }kjk lqjf{kr foÙkh; 0.00 29616.25 5328.79 41588.77 48695.60 0.00 35398.28 10686.30 39314.41 49967.30
laLFkkuksa dks çnÙk fu"ikfnr _.k ,oa
foÙkh; laLFkkuksa dks çnÙk vlqjf{kr
fu"ikfnr _.k
 ¼jkf'k ` djksM+ esa½
31.12.2021 31.03.2022
vof'k"V ifjiDork }kjk xSj&Hkkfjr ewY; vof'k"V ifjiDork }kjk xSj&Hkkfjr ewY;
Øe
la- < 6 6 eghuksa < 6 6 eghuksa
vifjiDo* ls < 1 ≥ 1 o"kZ Hkkfjr ewY; vifjiDo* ls < 1 ≥ 1 o"kZ Hkkfjr ewY;
eghuksa eghuksa
o"kZ rd o"kZ rd
19 xSj&foÙkh; d‚iksZjsV xzkgdksa dks çnÙk 0.00 96829.43 48389.69 143750.35 199106.35 0.00 101554.01 51985.64 140240.58 199005.84
fu"ikfnr _.k] [kqnjk ,oa y?kq dkjksckjh
xzkgdksa dks çnÙk _.k] vkSj laçHkq]
dsaæh; cSadksa] vkSj lkoZtfud miØeksa
dks _.k] ftlesa ls :
20 ØsfMV tksf[ke ds fy, csly II 0.00 6367.72 392.64 9611.78 8186.07 0.00 5587.24 1350.11 10117.08 8527.21
ekudh—r –f"Vdks.k ds rgr 35% ls de
;k mlds cjkcj ds tksf[ke Hkkj ds lkFk
21 vkoklh; fu"ikfnr ca/kd] ftlesa ls: 0.00 31.19 22.62 29860.67 21873.78 0.00 16.62 17.00 31360.88 22843.69

22 ØsfMV tksf[ke ds fy, csly II 0.00 15.49 8.60 20528.21 10276.15 0.00 11.53 7.64 22086.32 11052.75
ekudh—r –f"Vdks.k ds rgr 35% ls de
;k mlds cjkcj ds tksf[ke Hkkj ds lkFk
23 çfrHkwfr;ka tks pwdk ugha gSa] ,oa 1569.68 4302.71 1079.31 24633.53 27363.67 1651.26 2611.79 660.71 24796.52 25458.87
,pD;w,y, esa ugha vkrs gSa] lkFk gh
lkFk ,Dlpsat&VªsMsM bfDoVh

- 98 -
24 vU; vkfLr;ka% ¼25 ls 29 rd 7129.41 179.01 23.23 23247.07 30045.39 7687.54 123.60 12.74 22909.62 30357.10
iafä;ksa dk ;ksx½
25 dkjksckj dh HkkSfrd oLrq,a Lo.kZ lfgr 0.00 0.00 0.00 0.00

26 MsfjosfVo vuqca/kksa gsrq çkjafHkd ekftZu 0.00 0.00 0.00 3555.49 3022.17 0.00 0.00 0.00 2509.39 2132.98
dh vkfLr;ka vkSj lhlhih dh pwd
QaM esa va'knku
27 ,u,l,Qvkj MsfjosfVo vkfLr;ka 0.00 122.90 0.00 23.98 146.88 0.00 95.60 0.00 45.34 140.94

28 ntZ varj ekftZu dh dVkSrh ls igys 0.00 56.12 23.23 0.07 79.42 0.00 28.00 12.74 0.07 40.82
,u,l,Qvkj MsfjosfVo ns;rk,a
29 vU; lHkh vkfLr;ka mijksä Jsf.k;ksa esa 7129.41 0.00 0.00 19667.52 26796.93 7687.54 0.00 0.00 20354.82 28042.36
'kkfey ugha gSa
30 v‚Q&cSysal 'khV en 1210.57 1256.36

31 dqy vkj,l,Q (14+15+16+24+30) 336085.82 336469.29

32 'kq) fLFkj QafMax vuqikr (%) 155.66% 160.23%

* 'uks
esP;ksfjVh' Vkbe cdsV esa fjiksVZ dh tkus okyh vkbVEl dh dksbZ fuf'pr eSP;ksfjVh ugha gksrh gSA blesa fuEu 'kkfey gks ldrs gSa] ysfdu bUgha rd lhfer ugha gSa] LFkk;h ifjiDork okyh iwath tSlh ensa]
xSj&ifjiDo tek] 'k‚VZ iksth'ku] vksiu eSP;ksfjVh iksth'ku] u‚u&,pD;w,y, bfDoVht vkSj fQftdy VªsMsM deksfMVhtA
fuoy fLFkj foÙkiks"k.k vuqikr ¼,u,l,Qvkj½ csly III lq/kkjksa dk ,d egRoiw.kZ ?kVd gSA ,u,l,Qvkj cSadksa dks viuh xfrfof/k;ksa dks fujarj vk/kkj ij foÙkiks"k.k ds
vf/kd fLFkj lzksrksa ds lkFk foÙk iksf"kr djus dh yach vof/k dh vko';drk dks c<+kok nsrk gSA vkjchvkbZ dh uohure fn'kkfunsZ'kksa ds vuqlkj] ,u,l,Qvkj 01 vDVwcj]
2021 ls çHkkoh gSA

,u,l,Qvkj dks vko';d fLFkj fuf/k ds lkis{k miyC/k fLFkj fuf/k ds :i esa ifjHkkf"kr fd;k x;k gSA

miyC/k fLFkj fuf/k ¼,,l,Q½

_ 100%
>
vko';d fLFkj fuf/k ¼vkj,l,Q½

miyC/k fLFkj fuf/k ¼,,l,Q½

,,l,Q dks iwath vkSj ns;rkvksa ds ml fgLls ds :i esa ifjHkkf"kr fd;k x;k gS tks ,u,l,Qvkj }kjk ekuh xbZ le; lhek ¼vFkkZr 1 o"kZ rd½ ij fo'oluh; gksus dh
mEehn gSA ,,l,Q dh jkf'k dks fdlh laLFkku ds foÙkiks"k.k lzksrksa dh lkis{k fLFkjrk dh O;kid fo'ks"krkvksa ds vk/kkj ij ekik tkrk gS] ftlesa bldh ns;rkvksa dh
lafonkRed ifjiDork vkSj fofHkUu çdkj ds foÙkiks"kdksa dh viuh fuf/k okil ysus dh ço`fÙk esa varj 'kkfey gSA

vko';d fLFkj fuf/k ¼vkj,l,Q½

vkj,l,Q rjyrk fo'ks"krkvksa vkSj ml laLFkk }kjk /kkfjr fofHkUu ifjlaifÙk;ksa dh vof'k"V ifjiDork ds lkFk&lkFk blds v‚Q&cSysal 'khV ¼vksch,l½ ,Dlikstj ds
vk/kkj ij vko';d fLFkj fuf/k gSA vkj,l,Q dh x.kuk fufnZ"V ?kVd dh cdk;k jkf'k dks fu/kkZfjr vkSj lac) vkj,l,Q QSDVj ls xq.kk djds dh tkrh gSA

,u,l,Qvkj dk mís'; ;g lqfuf'pr djuk gS fd cSad viuh ifjlaifÙk;ksa dh lajpuk vkSj v‚Q&cSysal 'khV xfrfof/k;ksa ds laca/k esa ,d fLFkj fuf/k çksQkby cuk, j[ksaA
,u,l,Qvkj vYidkfyd Fkksd fuf/k ij vfr&fuHkZjrk dks lhfer djrk gS] v‚Q&cSysal 'khV dh lHkh enksa esa foÙkiks"k.k tksf[ke ds csgrj ewY;kadu dks çksRlkfgr djrk
gS] vkSj foÙk iks"k.k fLFkjrk dks c<+kok nsrk gSA

fnukad 31-12-2021 dks cSad dk ,u,l,Qvkj 155-66% vkSj 31-03-2022 dks 160-23% FkkA ,u,l,Qvkj 100% dh U;wure fu;ked vko';drk ls Åij gSA fnukad
31-03-2022 rd] miyC/k fLFkj fuf/k ¼,,l,Q½ ` 5,39,132 djksM+ vkSj vko';d fLFkj fuf/k ¼vkj,l,Q½ #i;s ` 3,36,469 djksM+ FkkA

cSad pyfuf/k dojst vuqikr dh x.kuk Hkh djrk gS vkSj cSad dh rjyrk vko';drkvksa dk vkdyu djus ds fy, nSfud vk/kkj ij lajpukRed rjyrk fooj.k rS;kj
djrk gSA

- 99 -
 3- fuos'k
,- fuos'k iksVZQksfy;ks ds ?kVd ¼;FkkfLFkfr 31-03-2022 dks½ ¼jkf'k ` djksM+ esa½
Hkkjr esa fuos'k Hkkjr ds ckgj fuos'k
ljdkjh
vU; fMcsapj vuq"kaxh çfrHkwfr vuq"kaxh Hkkjr ds dqy
ljdkjh vuqeksfnr Hkkjr esa
'ks;j vkSj vkSj @ ;k vU; ¼Lfkkuh; vkSj @ ;k vU; ckgj
çfrHkwfr çfrHkwfr dqy fuos'k
c‚.M la;qä m|e çkf/kdj.k la;qä m|e fuos'k
lfgr½
ifjiDork ds fy, /kkfjr
ldy 134412.04 0 0.00 1645.95 252.10 152.72 136462.81 550.59 0.00 0.08 550.67 137013.48

?kVk,¡ % ewY;ºzkl vkSj 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
xSj&fu"ikfnr fuos'k
¼,uihvkbZ½ ds fy, çko/kku
fuoy 134412.04 0.00 0.00 1645.95 216.17 152.72 136426.88 550.59 0.00 0.08 550.67 136977.55

foØ; ds fy, miyC/k

ldy 24018.10 0.00 2306.13 11867.77 0.00 3738.79 41930.79 1151.42 0.00 98.44 1249.86 43180.65

?kVk,¡ % ewY;ºzkl vkSj 150.63 0.00 1114.50 998.37 0.00 3279.43 5542.93 0.00 0.00 97.96 97.96 5640.89
xSj&fu"ikfnr fuos'k
¼,uihvkbZ½ ds fy, çko/kku

- 100 -
fuoy 23867.47 0.00 1191.63 10869.41 0.00 459.36 36387.86 1151.42 0.00 0.48 1151.90 37539.76

O;kikj ds fy, /kkfjr

ldy 34.49 0.00 6.79 0.00 0.00 0.00 41.28 0.00 0.00 0.00 0.00 41.28

?kVk,¡ % ewY;ºzkl vkSj

xSj&fu"ikfnr fuos'k 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
¼,uihvkbZ½ ds fy, çko/kku
fuoy 34.49 0.00 6.79 0.00 0.00 0.00 41.28 0.00 0.00 0.00 0.00 0.00

dqy fuos'k 158464.63 0.00 2312.92 13513.72 252.10 3891.51 178434.88 1702.01 0.00 98.52 1800.53 180235.41

?kVk,¡ % xSj&fu"ikfnr 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
fuos'k ¼,uihvkbZ½ ds fy,
çko/kku
?kVk,¡ % ewY;ºzkl vkSj 150.63 0.00 1114.50 998.37 0.00 3279.43 5542.93 0.00 0.00 97.96 0 .00 5640.89
,uihvkbZ ds fy, çko/kku
fuoy 158314.00 0.00 1198.42 12515.35 216.17 612.08 172856.02 1702.01 0.00 0.56 1702.57 174558.59
 ;FkkfLFkfr 31-03-2021 dks ¼jkf'k ` djksM+ esa½
Hkkjr esa fuos'k Hkkjr ds ckgj fuos'k
ljdkjh
vU; fMcsapj vuq"kaxh çfrHkwfr vuq"kaxh Hkkjr ds dqy
ljdkjh vuqeksfnr Hkkjr esa
'ks;j vkSj vkSj @ ;k vU; ¼LFkkuh; vkSj @ ;k vU; ckgj
çfrHkwfr çfrHkwfr dqy fuos'k
c‚.M la;qä m|e çkf/kdj.k la;qä m|e fuos'k
lfgr½
ifjiDork ds fy, /kkfjr
ldy 105599.64 0.00 0.00 22058.24 252.10 65.53 127975.51 723.22 0.00 0.11 723.33 128698.84

?kVk,¡ % ewY;ºzkl vkSj 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
xSj&fu"ikfnr fuos'k
¼,uihvkbZ½ ds fy, çko/kku
fuoy 105599.64 0.00 0.00 22058.24 216.17 65.53 127939.57 723.22 0.00 0.11 723.33 128662.90

foØ; ds fy, miyC/k

ldy 34047.85 5.23 2221.37 9370.00 0.00 5950.49 51594.95 1602.60 0.00 94.97 1697.57 53292.52

?kVk,¡ % ewY;ºzkl vkSj 24.09 0.00 1234.79 2074.31 0.00 1990.77 5323.96 0 0.00 94.48 94.48 5418.44
xSj&fu"ikfnr fuos'k
¼,uihvkbZ½ ds fy, çko/kku

- 101 -
fuoy 34023.76 5.23 986.58 7295.69 0.00 3959.72 46270.99 1602.60 0.00 0.49 1603.09 47874.08

O;kikj ds fy, /kkfjr

ldy 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0.00

?kVk,¡ % ewY;ºzkl vkSj 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
xSj&fu"ikfnr fuos'k
¼,uihvkbZ½ ds fy, çko/kku
fuoy 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0.00

dqy fuos'k 139647.49 5.23 2221.37 31428.24 252.10 6016.02 179570.45 2325.82 0.00 95.08 2420.90 181991.35

?kVk,¡ % xSj&fu"ikfnr 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
fuos'k ¼,uihvkbZ½ ds fy,
çko/kku
?kVk,¡ % ewY;ºzkl vkSj 24.09 0.00 1234.79 2074.31 0.00 1990.77 5323.97 0.00 0.00 94.48 94.48 5418.45
,uihvkbZ ds fy, çko/kku
fuoy 139623.40 5.23 986.58 29353.93 216.17 4025.25 174210.56 2325.82 0.00 0.60 2326.42 176536.97

uksV% ^fMcsapj vkSj c‚UM* ds LFkku ij 'vU;' ds rgr fn[kk, x, ,lvkj dk ewY; vkSj ewY;ºzkl ds çko/kku ds rgr fn[kk, x, çko/kku vkSj ,uihvkbZ dks foRrh; o"kZ 2021&22 dh fjiksfVaZx ds vuq:i gksuk
pkfg,A
ch- ewY;ºzkl vkSj fuos'k esa mrkj&p<+ko fjtoZ ds çko/kkuksa dk lapyu
¼jkf'k ` djksM+ esa½
fooj.k 2021-22 2020-21
I) fuos'k ewY;ºzkl ds fy, /kkfjr çko/kkuksa dk lapyu
,½ vFk 'ks"k 5359.90 4943.07

ch½ tksM+sa % o"kZ ds nkSjku fd, x, çko/kku 789.03 1022.00

x½ ?kVk,a % o"kZ ds nkSjku vfrfjä çko/kkuksa dks cês [kkrs esa Mkyuk 570.06 605.17

Mh½ vafre 'ks"k 5578.86 5359.90

ii) fuos'k esa mrkj&p<+ko vkj{kfr;ksa dk lapyu

,½ vFk 'ks"k 1031.90 566.99

,½ vFk 'ks"k - 464.91

ch½ tksM+sa % o"kZ ds nkSjku varfjr jkf'k - -

x½ ?kVk,a % MªkMkmu 1031.90 1031.90

iii) ,,Q,l vkSj ,p,QVh @ orZeku Js.kh esa fuos'k ds vafre 'ks"k ds çfr'kr 2.46% 2.00%
ds :i esa vkbZ,Qvkj esa vafre 'ks"k
mDr ewY; esa fuoy ewY;gzkl dks ?kVk,a ¼fuoy ewY;o`f) NksM+ nsa½ vFkkZr rqyui= esa n’kkZ, xbZ fuoy jkf’k

x- ,pVh,e Js.kh dks@ls fcØh vkSj gLrkukarj.k

Hkkjrh; fjt+oZ cSad ds fn'kk&funZs'kkuqlkj ds vuqlkj ,pVh,e Js.kh dks@ls fcØh ,oa gLrkukarfjr çfrHkwfr;ksa dk ewY; o"kZ ds 'kq#vkr esa ,p,eVh Js.kh esa èkkfjr
fuos'k dk cgh ewY; dk 5% ls vfèkd ugha FkkA

l ,pVh,e Js.kh ls çfrHkwfr;ksa dh fcØh ls çkIr ykHk ` 263-51 djksM+ ¼foxr o"kZ ` 85-00 djksM+½ dks ykHk vkSj gkfu [kkrs esa fy;k x;k vkSj mlds ckn ` 147-90
djksM+ dh jkf'k ¼foxr o"kZ ` 47-71 djksM+½ iw¡th vkjf{kr [kkrk esa varfjr dh xbZ Fkh ¼fuoy djksa ,oa iwath dks lkafofèkd fjt+oZ esa varfjr fd;s tkus dh
vko';drk Fkh½A

l çfrHkwfr;ksa dk gLrkukarj.k

(I) o"kZ dh 'kq#vkr esa] cSad }kjk fuEukuqlkj gLrkukarfjr fd;k x;k %

l ` 24030-56djksM+ ds cgh ewY; ds ,l,yvkj çfrHkwfr;ksa dks ,pVh,e ls ,,Q,l esa gLrkukarfjr fd;k x;k Fkk] ftlds ifj.kkeLo:i ,pVh,e Js.kh ls
,,Q,l Js.kh esa ` 3-18 djksM+ ds cgh ewY; dh dksbZ vfrfjä çkoèkku vkSj xSj&,l,yvkj ohlh,l çfrHkwfr;ka ugha Fkha vkSj

l ,,Q,l Js.kh ls ,pVh,e Js.kh esa ` 5623-23 djksM+ ds cgh ewY; dk ,l,yvkj çfrHkwfr;ka ftlds ifj.kkeLo:i ewY;ºzkl ds lkis{k èkkfjr çkoèkku dk
lek;kstu cktkj ewY; dks cgh ewY; rd de djus ds fy, fd;k x;k gSA

l ,pVh,e Js.kh ds varxZr oxÊ—r çfrHkwfr;ksa ds ekeys esa] ;fn vfèkxzg.k ykxr vafdr ewY; ls vfèkd gS] rks ifjiDork dh 'ks"k vofèk esa çhfe;e dk ifj'kksèku
fd;k tkrk gS A foÙkh; o"kZ 2021&22 ds fy,] ` 184 djksM+ ¼foxr o"kZ ` 261-43 djksM+½ dh jkf'k dk ifj'kksèku fd;k x;k gS vkSj bls ^fuos'k ij vk;* ls dVkSrh
ds :i esa n'kkZ;k x;k gS A

Mh- xSj ,l,yvkj fuos'k lafoHkkx

¼i½ xSj&,l,yvkj fuos'kksa ij tkjhdrkZ lajpuk a
¼jkf'k ` djksM+ esa½
Ø-la- fooj.k 2021-22 2020-21

,½ çkjafHkd 'ks"k 1698.73 1623.51

ch½ 1 vçSy ls o"kZ ds nkSjku tksM 510.05 93.07

lh½ mä vofèk ds nkSjku ?kVkSrh 326.77 17.85

Mh½ vafre 'ks"k 1882.02 1698.73

bZ½ /kkfjr dqy çko/kku 809.69 797.45

- 102 -
 (I i) xSj&,l,yvkj fuos'kksa ij tkjhdrkZ lajpuk ¼jkf'k ` djksM+ esa½

Ø- ^fuos'k Lrj ls fuEu ^nj fu/kkZj.k ugha lwphc) ugha dh

futh vkcaVu
la- tkjhdrkZ jkf'k ox^Z dh çfrHkwfr;ksa dh xbZ^ çfrHkwfr;ksa xbZ çfrHkwfr;ksa
dh lhek
dh ek=k dh ek=k dh ek=k
(1) (2) (3) (4) (5) (6) (7)

foÙkh; o"kZ 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021

,½ lkoZtfud 22460.95 22659.18 20645.70 20507.29 175.00 0.00 0.36 175.36 18068.71 19085.92
{ks=d miØe
ch½ foRrh; 5537.00 7290.60 3110.26 5116.48 149.99 332.19 0.00 0.00 57.03 167.04
laLFkk,a
lh½ cSad 1806.55 907.22 1358.87 307.50 0.00 0.00 0.00 0.00 16.93 191.08

Mh½ futh 5616.19 6633.03 7316.28 6293.16 260.64 1121.39 160.55 3.50 334.02 4337.84
dkWiksZjsV #
bZ½ vuq"kaxh @ 211.50 211.50 211.50 211.50 0.00 0.00 0.00 0.00 132.63 132.63
la;qDr m|e

,Q½ vU; 342.75 293.90 256.31 213.17 0.00 0.00 0.00 0.00 260.43 213.17

th½ ewY;gzkl rFkk 3505.91 3413.49 xxx xxx xxx xxx xxx xxx xxx xxx
,uihvkbZ ds
fy, /kkfjr
çko/kku
dqy 32469.03 34581.94 32898.92 32649.10 585.63 1453.58 160.91 178.86 18869.74 24127.68

# ;g vkadM+k ` 1922-31 djksM+ ds vyx j[ks x, çkoèkku dk fuoy gS-

bZ- jsiks ysunsu ¼vafdr ewY;ksa esa½

¼jkf'k ` djksM+ esa½

o"kZ ds nkSjku o"kZ ds nkSjku o"kZ ds nkSjku 31 ekpZ 2022

U;wure cdk;k vf/kdre cdk;k nSfud vkSlr cdk;k dks cdk;k
I) jsiks ds rgr csph xbZ çfrHkwfr;k¡
,½ ljdkjh çfrHkwfr;k¡ 0.00 3328.00 51.09 0.00
ch½ dkiksZjsV _.k çfrHkwfr;k¡ 0.00 0.00 0.00 0.00
lh½ dksbZ vU; çfrHkwfr;k¡ 0.00 0.00 0.00 0.00

ii) fjolZ jsiks ds rgr [kjhnh xbZ

çfrHkwfr;k¡
,½ ljdkjh çfrHkwfr;k¡ 600.00 50,043.88 18,202.20 34500.00
ch½ dkiksZjsV _.k çfrHkwfr;k¡ 0.00 0.00 0.00 0.00
lh½ dksbZ vU; çfrHkwfr;k¡ 0.00 0.00 0.00 0.00

- 103 -
 4- vkfLr xq.koRrk
,- /kkfjr vfxzeksa vkSj çko/kkuksa dk oxhZdj.k ¼jkf'k ` djksM+ esa½
2021-22 2020-21
ekud xSj fu"ikfnr dqy ekud xSj fu"ikfnr dqy
dqy dqy
dqy mi uqdlku vutZd dqy mi uqdlku vutZd
ekud ekud lafnX/k vfxze ekud ekud lafnX/k vfxze
¼20&21½ ¼21&22½
ldy ekud vfxze vkSj ,uih,

çkjafHkd 'ks"k 351861.61 7369.96 24657.89 6427.50 38455.35 390316.96 326665.58 9066.65 24016.29 8914.77 41997.71 368663.29

tksM+ % o"kZ ds nkSjku tksM+ 10164.66 10164.66 9429.55 9429.55

deh % o"kZ ds nkSjku dVkSrh 13405.76 13405.76 12971.91 12971.91

vafre 'ks"k 380410.50 5202.88 25063.04 4948.33 35214.25 415624.75 351861.61 7369.96 24657.93 6427.46 38455.35 390316.96

ldy ,uih, esa deh ds dkj.k%

I) mUu;u 1574.23 1574.23 686.18 686.18

ii) olwyh ¼mUur [kkrksa ls olwyh dks

- 104 -
NksM+dj vkSj vU; dks fofue; varj 3484.96 3484.96 3914.38 3914.38
ds :i esa 'kkfey djsa½

iii) rduhdh @ foosdiw.kZ cês [kkrs 7057.06 7057.06 7531.18 7531.18

esa Mkyuk

iv) buds vykok vU; jkbV&v‚Q 1289.51 1289.51 840.17 840.17

(iii) mçksä

çko/kku ¼vLFkk;h çko/kkuksa

dks NksM+dj½

/kkfjr çko/kkuksa dk çkjafHkd 'ks"k 2826.82 1727.63 17644.77 6200.10 25572.50 28399.32 2041.61 1624.01 16575.23 8828.26 27027.50 29069.11

tksM+% o"kZ ds nkSjku fd, x,

u, çko/kku 8142.52 8142.52 6663.77 6663.77

deh a% vfrfjä myVs çko/kku @ 8024.43 8024.43 8118.77 8118.77

cês [kkrs esa Mkys x, _.k

/kkfjr çko/kkuksa dk vafre 'ks"k 3788.83 1559.09 19475.94 4655.56 25690.59 29479.42 2826.82 1727.63 17644.77 6200.10 25572.5 28399.32
 ¼jkf'k ` djksM+ esa½
2021-22 2020-21
ekud xSj fu"ikfnr dqy ekud xSj fu"ikfnr dqy
dqy dqy
dqy mi uqdlku vutZd dqy mi uqdlku vutZd
ekud ekud lafnX/k vfxze ekud ekud lafnX/k vfxze
¼20&21½ ¼20&21½
fuoy ,uih,
çkjafHkd 'ks"k 5539.85 6731.28 0 12271.13 7339.04 6933.29 0 14272.33
tksM+% o"kZ ds nkSjku u, tksM+ 2022.14 7196.53
deh% o"kZ ds nkSjku dVkSrh 5444.63 9197.73
vafre 'ks"k 3539.47 5178.62 130.56 8848.64 5539.85 6731.28 0 12271.13
vLFkk;h çko/kku
çkjafHkd 'ks"k 70.76 70.76
tksM+% o"kZ ds nkSjku fd, x, 0 0
vfrfjä çko/kku
deh % o"kZ ds nkSjku vkgfjr jkf'k 0 0

- 105 -
vLFkk;h çko/kkuksa dk vafre 'ks"k 70.76 70.76
rduhdh cês [kkrs esa Mkyuk
vkSj ml ij dh xbZ olwyh
rduhdh @ çwMsaf'k;y cês [kkrs esa 30170.05 23370.02
Mkys x, [kkrksa dk çkjafHkd 'ks"k
tksM+% o"kZ ds nkSjku rduhdh @ 7061.85 7531.18
foosdiw.kZ cês [kkrs esa Mkyuk
deh % o"kZ ds nkSjku igys ds 2312.22 731.15
rduhdh @ foosdiw.kZ cês [kkrs esa
Mkys x, [kkrksa ls dh xbZ olwyh
vafre 'ks"k 34919.68 30170.05

vuqikr ¼çfr'kr esa½ 31.03.2022 31.03.2021

ldy vfxze ds lkis{k ldy ,uih, 8.47 9.85
fuoy vfxze ds lkis{k fuoy ,uih, 2.27 3.37
çko/kku dojst vuqikr 87.38 82.12
ch- {ks=okj vfxze vkSj ldy ,uih, ¼jkf'k ` djksM+ esa½
31.03.2022 31.03.2021
vuq aØekad]

ldy ,uih, dk ldy ,uih, dk

{ks= cdk;k ldy ml {ks= esa dqy cdk;k ldy ml {ks= esa dqy
dqy vfxze ,uih, vfxzeksa dk dqy vfxze ,uih, vfxzeksa dk
çfr'kr çfr'kr
I) çkFkfedrk {ks=
,½ —f"k vkSj lac) xfrfof/k;k¡ 87065.57 8759.40 10.06% 78529.90 8737.81 11.13%

ch½ çkFkfedrk&çkIr {ks= dks m/kkj ds 26752.74 4694.10 17.55% 20662.08 3695.90 17.89%
:i esa ik= m|ksx {ks= dks vfxze
lh½ lsok,a 47795.22 5974.44 12.50% 49519.11 5015.84 10.13%

Mh½ O;fäxr _.k 22022.67 1972.32 8.96% 21147.36 1576.37 7.45%

mi&;ksx (I) 183636.20 21400.26 11.65% 169858.45 19025.92 11.20%

ii) xSj&çkFkfedrk okyk {ks=

,½ —f"k vkSj lac) xfrfof/k;k¡ 1068.53 150.64 14.10% 203.00 1.93 0.95%

ch½ m|ksx 84098.33 7999.90 9.51% 109110.62 12647.19 11.59%

lh½ lsok,a 88801.51 4082.68 4.60% 47889.06 5442.63 11.37%

Mh½ O;fäxr _.k 58020.18 1580.77 2.72% 48945.52 1337.67 2.73%

mi&dqy (ii) 231988.55 13813.99 5.95% 220458.50 19429.42 8.81%

dqy (i+ii) 415624.75 35214.25 8.47% 390316.96 38455.34 9.85%

x- Hkkjrh; fjtoZ cSad }kjk dh xbZ laifÙk xq.koÙkk leh{kk ¼,D;wvkj½ ,oa Hkkjrh; fjt+oZ cSad }kjk nh xbZ lykg ds vuqlkj] cSad }kjk o"kZ ds nkSjku dqN fuf'pr [kkrksa ij
fd;k x;k vfrfjä çkoèkku % 'kwU;
Mh- fons'kh vkfLr;¡k] ,uih, vkSj jktLo ¼jkf'k ` djksM+ esa½
fooj.k 31.03.2022 31.03.2021
dqy laifÙk 21674.74 14417.83
dqy ,uih, 1271.24 1240.56

dqy jktLo 307.69 327.25

bZ- lek/kku ;kstuk vkSj iquxZBu dk fooj.k

nckoxzLr vkfLr;ksa ds lek/kku ij vkjchvkbZ ifji= la[;k vkjchvkbZ / 2018-19 / 2013 Mhchvkj la[;k chih-chlh- 45/21-04-048 / 2018-19 fnukad
07-06-2019 dk çHkko & la'kksf/kr :ijs[kk bl çdkj gS% ¼jkf'k ` djksM+ esa½

,uih, ds :Ik ,uih, ds :Ik esa vfrfjä] vkjchvkbZ 31-03-2022 rd

vkjchvkbZ ds
esa oxhZ—r fd, oxhZ—r ¼ch½ esa ls ifji= ds rgr doj fd, igys ls gh ¼Mh½
ifji= ls çHkkfor
tkus okys _.kksa 31-03-2022 dks x, _.kksa ds fy, esa ls çko/kku
gq, dtZ dh jkf'k
dh jkf'k _.k dh jkf'k vko';d çko/kku ¼b½
¼,½
¼ch½ ¼lh½ ¼Mh½
16129.57 16015.05 16015.05 1643.32 1643.32*

* 31-03-2022 dks ,uih, [kkrs ds xSj&fuf/k cdk;k ij 737-70 djksM+ #i;s ds çko/kku lfgrA
Hkkjrh; fjtoZ cSad ds ifji= la[;k Mhchvkj la[;k chih-chlh-45@21-04-048@2018&19 fnukad 07-06-2019 ds vuqlkj foÙkh; o"kZ 2021&22 ds nkSjku
dk;kZfUor lekèkku ;kstukvksa dk fooj.k %
Hkkjrh; fjt+oZ cSad ds ifji= la[;k Mhchvkj la[;k chih-chlh-45@21-04-048@2018&19 fnukad 07-06-2019 ds lanHkZ esa lekèkku ;kstuk dks ,uih, [kkrs esa
lQyrkiwoZd dk;kZfUor fd;k x;k gS] eSllZ VhlhvkbZ luekj dsfedkl ,l,bZ ds ikl fnukad 31-03-2022 rd cdk;k ` 73-49 djksM+ gSA
Hkkjrh; fjt+oZ cSad ds ifji= la[;k Mhvksvkj-la-chih-chlh-62@21-04-048@2019&20 fnukad 17-04-2020 ds iSjk 3 vkSj 4 esa fn, x, funZs'kksa ds vuqlkj fdlh [kkrs esa
c<+k;h x;h lek/kku vofèk % 'kwU;
- 106 -
,Q- ifjlaifÙk oxhZdj.k vkSj çko/kku esa varj ¼jkf'k ` djksM+ esa½

vuq fooj.k jkf'k

Øekad-
1. cSad dh fjiksVZ ds vuqlkj 31 ekpZ] 2021 dks ldy ,uih, 38455.35

2. 31 ekpZ] 2021 dks Hkkjrh; fjtoZ cSad }kjk ewY;kadu fd, x, ldy ,uih, 38659.35

3. ldy ,uih, esa fopyu ¼2&1½ 204.00**

4. cSad }kjk lwfpr 31 ekpZ] 2021 dks fuoy ,uih, 12271.13

5. Hkkjrh; fjtoZ cSad }kjk ewY;kadu fd, x, 31 ekpZ] 2021 dks fuoy ,uih, 12164.13

6. fuoy ,uih, esa fopyu ¼5&4½ -107.00

7. cSad }kjk lwfpr 31 ekpZ] 2021 dks ,uih, ds fy, çko/kku 26184.22

8. Hkkjrh; fjtoZ cSad }kjk ewY;kadu fd, x, 31 ekpZ] 2021 dks ,uih, ds fy, 26495.22

9. çko/kku esa fopyu ¼8&7½ 311.00

10 ekpZ 31] 2021 dks lekIr o"kZ ds fy, çko/kkuksa vkSj vkdfLedrkvksa ls igys ykHk dh fjiksVZ 11395.65

11. 31 ekpZ] 2021 dks lekIr o"kZ ds fy, dj i'pkr fuoy ykHk ¼ih,Vh½ ntZ fd;k x;k 3004.68

12. çko/kkuhdj.k esa fopyu ij fopkj djus ds ckn 31 ekpZ] 2021 dks lekIr o"kZ ds fy, lek;ksftr ¼dkYifud½ dj 2693.68
i'pkr fuoy ykHk ¼ih,Vh½
* 31 ekpZ] 2021 lanHkZ vof/k dh lekfIr gS ftlds laca/k esa fopyu dk ewY;kadu fd;k x;k FkkA
** ldy ,uih, esa dqy fopyu ` 290-00 djksM+ gS] ftlesa ls ` 86-00 djksM+ vkbZ,y,Q,l VªkaliksVZ ,aM usVodZ fyfeVsM dk xSj&foÙk iksf"kr ch th gS ftlds fy, 100%
çko/kku igys gh fd;k tk pqdk gSA
,Q- _.k ,Dlikstj ds gLrkarj.k dk çdVhdj.k
24 flracj] 2021 ds vkjchvkbZ ifji= uacj Mhvksvkj-,lVhvkj-vkjbZlh- 51@21-04-048@2021-22 ds vuqlkj 31 ekpZ] 2022 dks lekIr o"kZ ds nkSjku gLrkarfjr @
vf/kxzfgr _.kksa dk fooj.k uhps fn;k x;k gS%

I. fMQ‚YV :i ls vftZr ugha fd, x, _.kksa dk fooj.k%

fooj.k vkjchMh [kqnjk ,e,l,ebZ

vf/kxzg.k dk rjhdk çR;{k leuqns'ku çR;{k leuqns'ku çR;{k leuqns'ku

vftZr _.kksa dk dqy ewy/ku ¼djksM+ #i;s esa½ 465.69 2230.60 1566.25

Hkkfjr vkSlr vof'k"V ifjiDork ¼o"kksaZ esa½ 2 11.47 4.50

çorZd }kjk Hkkfjr vkSlr /kkj.k vof/k ¼o"kksaZ esa½ 0.25 0.51 0.49

çorZd }kjk ykHkdkjh vkfFkZd fgr dh vo/kkj.kk (%) 10% 10% 10%

ewrZ lqj{kk dojst (%) 110% 110% 114%

ewY; ds vk/kkj ij vftZr _.kksa dk jsfVax okj forj.k , jsVsM [kkrs ,, #i;s 399.27 djksM+ ,,(+/-): #i;s 1327.10 djksM+
,,- #i;s 1721.30 djksM+ ,(+/-): #i;s 239.15 djksM+
,+ #i;s 110.03 djksM+

ii. fMQ‚YV :i ls gLrkarfjr ugha fd, x, _.kksa dk fooj.k% 'kwU;

- 107 -
iii. nckoxzLr _.k gLrkarj.k dk fooj.k% ¼[kkrksa dh la[;k dks NksM+dj jkf'k ` djksM esa½
01-04-2021 ls 31-03-2022 dh vof/k ds nkSjku gLrkarfjr ruko _.k ¼,uih, [kkrs½ dk fooj.k
fooj.k ,vkjlh dks LFkkukUrfjr djus vU; LFkkukUrfjr
okyksa ds fy, vuqer djus okyksa ds fy,
[kkrksa dh la[;k 2 1

dqy ewy/ku cdk;k _.k gLrkarfjr 309.86 10.09

gLrkarfjr _.kksa dh Hkkfjr vkSlr vof'k"V vof/k 40 eghus 'kwU;

gLrkarfjr _.kksa dk 'kq) cgh ewY; ¼gLrkarj.k ds le;½ 9.33 0.00 'kwU;
dqy fopkj 101.53 2.80

iwoZ ds o"kksaZ esa gLrkarfjr [kkrksa ds laca/k esa vfrfjä çfrQy dh olwyh 0.00 0.00

iv. o"kZ ds nkSjku vftZr _.kksa dk fooj.k%

fooj.k ,llhch] vkjvkjch] ;wlhch] ,lVhlhch] Mhlhlhch] ,vkjlh ls
,vkbZ,QvkbZ] ,l,Qch vkSj ,uch,Qlh ls gkmflax
Qkbusal lfgr daifu;ka ¼,p,Qlh½
vftZr _.kksa dk dqy ewy/ku cdk;k
dqy çfrQy dk fd;k x;k Hkqxrku 'kwU;
vf/kxzghr _.kksa dh Hkkfjr vkSlr vof'k"V vof/k

cSad us foÙk o"kZ 2021&22 ds nkSjku rukoxzLr _.kksa dh fcØh ds dkj.k ykHk vkSj gkfu [kkrs esa vfrfjä çko/kku ds ` 95 djksM+ dks myV fn;k gSA
v. 31-03-2022 dks ØsfMV jsfVax ,tsafl;ksa }kjk ,sls ,lvkj dks lkSais x, fjdojh jsfVax dh fofHkUu Jsf.k;ksa esa cSad }kjk /kkfjr lqj{kk jlhnksa ¼,lvkj½ dk forj.k
fuEukuqlkj gS%

¼jkf'k ` djksM+ esa½

fjdojh jsfVax cgh ewY;

vkjvkj1+ (150% ls vf/kd) 2.39

vkjvkj1 (100%-150%) 777.65

vkjvkj2 (75%-100%) 424.23

vkjvkj3 (50%-75%) 289.98

vkjvkj4 (25%-50%) 636.33

vkjvkj5 (0%-25%) 1023.04

,lvkj,l - ;kstuk vof/k ds nkSjku jsfVax esa NwV 57.36

dqy 3210.98

cSad ds ikl 100% Áko/kku] vyx fd, x, Áko/kku lfgr] dh /kkfjrk gS

- 108 -
,p- ifjlaifÙk iqufuZekZ.k daifu;ksa ¼,vkjlh½ dks csph xbZ foÙkh; ifjlaifÙk;ksa dk fooj.k
fcØh dk fooj.k ¼[kkrksa dh la[;k dks NksM+dj jkf'k ` djksM esa½

fooj.k 2021-22 2020-21

(I) [kkrksa dh la[;k 3 709

(ii) ,llh @ vkjlh dks csps x, [kkrksa dk dqy ewY; ¼çko/kkuksa dk fuoy½ 9.33 11.35

(iii) dqy fopkj 104.33 48.84

(iv) iwoZ ds o"kksaZ esa gLrkarfjr [kkrksa ds laca/k esa vfrfjä çfrQy dh olwyh 37.40 1.96

(v) fuoy cgh ewY; ij dqy ykHk @ gkfu 95.00 39.45

vkbZ- /kks[kk/kM+h [kkrs ¼jkf'k ` djksM+ esa½

fooj.k 2021-22 2020-21

fjiksVZ dh xbZ /kks[kk/kM+h dh la[;k 211 219

/kks[kk/kM+h esa 'kkfey jkf'k ¼` djksM+½ 2036.71 3759.68

,slh /kks[kk/kM+h ds fy, fd, x, çko/kku dh jkf'k ¼` djksM+½ 1780.77 3759.60

o"kZ ds var esa ^vU; vkjf{kr^ ls MsfcV fd, x, vla'kksf/kr çko/kku dh jkf'kA 0 0
¼` djksM+½

* cSad }kjk dh xbZ olwyh dks /;ku esa j[krs gq, blds lkis{k 1780-77 djksM+ #i;s dk çko/kku fd;k x;k gSA

ts- ,e,l,ebZ çdVhdj.k

Hkkjrh; fjt+oZ cSad ds fnukad 01 tuojh 2019 ds ifji= la- Mhchvkj la- chih- chlh 18@21-04-048@2018&19 ,oa fnukad 11-02-2020 ds chih-chlh- 34@21-04-
048@2019&20 ds vkèkkj ij cSad us ,e,l,ebZ [kkrksa dks iqujZfpr fd;k gS ftudk fooj.k fuEufyf[kr gS %

bu [kkrksa esa 31-03-2022 dks

fooj.k iqujZfpr [kkrksa dh la[;k cdk;k èkujkf'k ¼jkf'k ` djksM+ esa½

vks @ ,l iqujZfpr [kkrs 45419 2875

ftuesa ls [kkrs tks ,uih, gks x, 26333 1364

fuoy ekud vfxze 19086 1511

- 109 -
ds- dksfoM&19 ls lacaf/kr ruko ds fy, lek/kku <kaps ds rgr çdVhdj.k

vkjchvkbZ ds ifji= fnukafdr 6 vxLr] 2020 o 5 ebZ] 2021 ds vuqlkj dksfoM&19 lacaf/kr ruko ds fy, lek/kku <kaps ds rgr dk;kZfUor lek/kku ;kstuk dk
fooj.k fuEufyf[kr gS %

¼jkf'k ` djksM+ esa½

lek/kku ;kstuk ds
dk;kZUo;u ds ¼,½ Nekgh ds lek/kku ;kstuk ds
¼,½ dk] dqy _.k ¼,½ Nekgh ds
ifj.kkeLo:i ekud nkSjku dk;kZUo;u ds ifj.kkeLo:i
tks Nekgh ds nkSjku cês [kkrs
ds :i esa oxhZ—r m/kkjdrkZvksa ekud ds :i esa oxhZ—r
m/kkjdrkZ dk çdkj nkSjku ,uih, esa esa Mkyh xbZ
[kkrksa esa ,Dlikstj& }kjk Hkqxrku [kkrksa esa ,Dlikstj& fiNys
fQly x;k jkf'k
fiNys Nekgh ds dh xbZ jkf'k Nekgh ds var dh fLFkfr
31-03-2022 31-03-2022
var dh fLFkfr 31-03-2022 31-03-2022
30-09-2021 ¼,½
O;fäxr _.k 7999 188 0 266 7831

d‚iksZjsV O;fä* 5665 1020 0 860 4680

ftlesa ls ,e,l,ebZ 2587 169 0 220 3068

vU; 5557 314 0 316 5911

dqy 19221 1523 0 1442 18422

* tSlk fd fnokyk vkSj fnokfy;kiu lafgrk] 2016 dh /kkjk 3¼7½ esa ifjHkkf"kr fd;k x;k gS

,y- dksfoM mik;%

nqfu;k Hkj esa dksfoM&19 ds çlkj ds ifj.kkeLo:i vkfFkZd xfrfofèk;ksa esa fxjkoV vkbZ vkSj foÙkh; cktkjksa esa vfLFkjrk c<+ xbZA bl fLFkfr esa] gesa yxkrkj pqukSfr;ka fey
jgh gSa vkSj cSad lHkh ekspksZa ij mu pqukSfr;ksa dk lkeuk djus ds fy, [kqn dks rS;kj dj jgk gS fLFkfr vHkh Hkh vfuf'pr cuh gqbZ gS vkSj cSad fujarj vk/kkj ij fLFkfr dk
ewY;kadu dj jgk gSA dksfoM &19 egkekjh] cSad ds ifj.kkeksa dks fdl gn rd çHkkfor djsxh] ;g Hkfo"; esa fodflr gksus okys dkjksckjh ekgkSy ij fuHkZj djsxkA cSad ds
fy, çeq[k pqukSfr;ka foLrkfjr dk;Z'khy iwath pØ vkSj de udnh çokg ls gksaxhA cSad dh iwath vkSj rjyrk dh fLFkfr etcwr gS vkSj bl vof/k ds nkSjku cSad ds fy,
Qksdl {ks= cuk jgsxkA

- 110 -
5- ,Dlikstj
,- fj;y ,LVsV {ks= dks _.k ¼jkf'k ` djksM+ esa½

oxZ 31.03.2022 31.03.2021

I) çR;{k ,Dlikstj

,½ vkoklh; ca/kd &

vkoklh; laifÙk ij caèkd }kjk iwjh rjg ls lqjf{kr mèkkj nsuk tks mèkkjdrkZ }kjk dCtk dj fy;k x;k gS 42042.63 39600.06
;k fdjk, ij fy;k x;k gSA

çkFkfedrk&çkIr {ks= ds vfxzeksa esa 'kkfey fd, tkus ds fy, ik= O;fäxr vkokl _.kksa dks vyx ls 19141.34 17181.98
fn[kk;k tk,xkA ,Dlikstj esa xSj&fufèk vkèkkfjr ¼,u,Qch½ lhek,a Hkh 'kkfey gksaxhA

ch½ okf.kfT;d vpy laifÙk &

okf.kfT;d vpy laifÙk ¼dk;kZy; Hkou] fjVsy Lisl] cgqmís'kh; okf.kfT;d ifjlj] cgqifjokj vkoklh; 8351.70 7932.84
Hkou] cgq fdjk,nkj okf.kfT;d ifjlj] vkS|ksfxd ;k xksnke LFkku] gksVy] Hkwfe vfèkxzg.k] fodkl vkSj
fuekZ.k] vkfn½ ij caèkd }kjk lqjf{kr mèkkjA ,Dlikstj esa xSj&fufèk vkèkkfjr ¼,u,Qch½ lhek,a Hkh
'kkfey gksaxh(

lh½ ca/kd lefFkZr çfrHkwfr;ksa ¼,ech,l½ vkSj vU; çfrHkwfrÑr ,Dlikstj esa fuos'k

I. vkoklh; 'kwU; 'kwU;

ii. okf.kfT;d fj;y ,LVsV 'kwU; 'kwU;

ii) vçR;{k ,Dlikstj

jk"Vªh; vkokl cSad ¼,u,pch½ vkSj vkokl foRr fuxe daifu;ksa ¼,p,Qlh½ ij fuf/k vk/kkfjr rFkk 24353.80 23729.22
xSj&fuf/kd ,Dlikstj

fj;y ,LVsV {ks= dks dqy ,Dlikstj 74748.13 71262.12

ch- iwath cktkj esa ,Dlikstj ¼jkf'k ` djksM+ esa½

fooj.k pkyw o"kZ fiNyk lky

I) çR;{k fuos'k bZfDoVh 'ks;jksa] ifjorZuh; ckaM~l] ifjorZuh; fMcsapjksa ,oa bZfDoVh mUeq[k E;wpqvy QaMksa 2140.16 1975.47
ds ;wfuVksa esa çR;{k fuos'k ftldk vkèkkjHkwr fufèk ek= dkiksZjsV _.k esa fufo"V ugha gSA

ii) oS;fDrdksa dks bZfDoVh 'ks;jksa ¼vkbZihvks@bZ,lvksih lfgr½ ifjorZuh; ckaMksa ,oa fMcsapjksa] bZfDoVh mUeq[k
E;wpqvy QaMksa ds ;wfuVksa esa fuos'k ds fy, 'ks;jksa@ckaMksa@fMcsapjksa ;k vU; çfrHkwfr;ksa dh ;k fu'krZ :i
esa tekur ij vfxze ;k cstekurh _.k( 29.17 54.93

iii) fdlh vU; ç;kstu ds fy, vfxze tgka 'ks;jksa ;k ifjorZuh; ckaMksa ;k ifjorZuh; fMcsapjksa ;k bZfDoVh
mUeq[k E;wpqvy QaMksa ds ;wfuVksa dks çkFkfed tekur ds :Ik esa fy;k tkrk gS( 'kwU; 15.16

iv) fdlh vU; ç;kstu ds fy, vfxze tksfd 'ks;jksa vFkok ml lhek rd ifjorZuh; ckaMksa ;k ifjorZuh;
fMcsapjksa ;k bZfDoVh mUeq[k E;wpqvy QaMksa ds ;wfuVksa }kjk çR;kHkwr gSa vFkkZr tgka 'ks;jksa@ ifjorZuh;
ckaMksa ;k ifjorZuh; fMcsapjksa ;k bZfDoVh mUeq[k E;wpqvy QaMksa ds ;wfuVksa ds vykok çkFkfed çfrHkwfr
vfxzeksa dks iw.kZr% doj ugha djrh( 'kwU; 'kwU;

- 111 -
 ¼jkf'k ` djksM+ esa½

fooj.k pkyw o"kZ fiNyk o"kZ

v) LVkWd czksdjksa dks çR;kHkwr vkSj vçR;kHkwr vfxze ,oa LVkWd czksdjksa rFkk ekdsZV esdjksa dh vksj ls
tkjh xkjafV;ka( 317.75 121.50

vi) lzksrksa dks miyC/k djkus dh çR;k'kk esa ubZ daifu;ksa dh bZfDoVh ds fy, çorZd ds va'knku dks iwjk
djus ds fy, 'ks;jksa@ckaMksa@fMcsapjksa vFkok vU; çfrHkwfr;ksa ds fo:) vFkok cstekurh vk/kkj ij
dkiksZjsVksa dks eatwj _.k( 'kwU; 'kwU;

vii) çR;kf'kr bZfDoVh çokgksa@fuxZeksa ds fo:) daifu;ksa dks iwjd _.k( 'kwU; 'kwU;

viii) 'ks;jksa vFkok ifjorZuh; ckaMksa vFkok ifjorZuh; fMcsapjksa ;k bZfDoVh mUeq[k E;wpqvy QaMksa dhs ;wfuVksa
ds çkFkfed fuxZe ds laca/k esa cSadksa }kjk nh xbZ gkehnkjh çfrc)rk,aA 'kwU; 'kwU;

ix) ekftZu VªsfMax gsrq LVkWd czksdjksa dks foRrh;u( 'kwU; 'kwU;

x) mn~;e iwath fuf/k;ksa ¼iathÑr vkSj viathÑr nksukas½ ds lHkh ,DikstjA 171.03 82.23

iwath cktkj dks dqy ,Dlikstj 2658.11 2249.29

lh- tksf[ke laoxZokj ns'k lacaèkh ,Dlikstj ¼jkf'k ` djksM+ esa½

31-03-2022 rd 31-03-2022 rd 31-03-2021 rd 31-03-2021 rd

tksf[ke jsfVax tksf[ke Js.kh** ,Dlikstj ¼fuoy½ /kkfjr çko/kku ,Dlikstj ¼fuoy½ /kkfjr çko/kku

,1 ux.; 16,236.81 7.51 10,888.46 –

,2 U;wu 7,738.52 -- 4,706.67 –

ch1 eè;e ls de 19.73 -- 3,085.07 –

ch2 eè;e 117.11 -- -- –

lh1 eè;e ls T;knk 995.18 -- -- –

lh2 cgqr T;knk 0.63 -- -- –

D çfrcafèkr -- -- -- –

v‚Q ØsfMV -- -- -- –

25,107.98 7.51 18,680.20 --

** fnukad 31-03-2022 rd bZlhthlh }kjk v|ru ns'k tksf[ke oxÊdj.k ds vuqlkj

ns'k dk tksf[ke çca/ku%
cSad us 31-03-2022 rd] fofHkUu ns'kksa esa vius fuoy foÙkiksf"kr ,Dlikstj dk fo'ys"k.k fd;k gS vkSj flaxkiqj ds vykok vU; ns'kksa esa bl rjg dk ,Dlikstj cSad
dh dqy laifÙk ds 1% dh 'krZ ds Hkhrj gSA
flaxkiqj ds lacaèk esa] ftls bZlhthlh fyfeVsM }kjk "ux.;" tksf[ke Js.kh ¼,1½ ds rgr oxÊ—r fd;k x;k gS] ` 7-51 djksM+ ¼'ux.;' tksf[ke Js.kh ds fy, fiNys
o"kZ 'kwU;½ dk çkoèkku miyCèk gSA
Mh- cSad }kjk ,dy m/kkjdrkZ lhek ¼,lch,y½] lewg m/kkj lhek ¼thch,y½ ds vfrØe.k dk fooj.k
¼jkf'k ` djksM+ esa½
m/kkjdrkZ dk uke vfrfjDr ,Dlikstj dqy mPpre ,Dlikstj vfrfjDr ,Dlikstj dk çfr'kr dqy ,Dlikstj dk çfr'kr
------------------------ ----------------- 'kwU; -------------------- --------------------

- 112 -
bZ- cSad }kjk tkjh ysVj v‚Q daQVZ%
31-03-2022 dks lekIr o"kZ ds nkSjku Hkkjr esa 'kk[kkvksa us vk;kr ds foÙkiks"k.k ds fy, dksbZ ysVj v‚Q daQVZ tkjh ugha fd;k gSA 31-03-2022 dks cdk;k jkf'k 'kwU; gSA
vr% cdk;k ,yvkslh @ ,yvks;w ij dksbZ foÙkh; çHkko ughaA
31-03-2022 dks lekIr o"kZ ds nkSjku] gekjh fons'kh 'kk[kkvksa ¼flaxkiqj vkSj dksyacks½ }kjk tkjh ysVj v‚Q dEQVZ 'kwU; gS vkSj 31-03-2022 dks cdk;k 'kwU; gSA
cSad }kjk flaxkiqj ds ekSfæd çkfèkdj.k dks fn, x, mÙkjnkf;Ro i= ds eísutj] cSad ,Qlh,uvkj ¼ch½ lalkèkuksa ls ;w,lMh 43-00 ,evkbZvks ¼Hkkjrh; eqæk esa ` 325-90
djksM+ ds cjkcj½ rd dh tek jkf'k dks 'kk[kk dh U;wure 'kq) lek;ksftr iwath fufèk vko';drk cuk, j[kus ds fy, flaxkiqj 'kk[kk ds ikl tek djuk tkjh j[krk gSA
cSad us lhch,l,y dh vfuok;Z vis{kk ds vuqlkj lsaVªy cSad v‚Q Jhyadk ¼lhch,l,y½ ds i{k esa JhyadkbZ 'kk[kkvksa ds fy, ,yvks;w tkjh fd;k gSA tkjh fd, x,
,yvks;w ds dkj.k cSad ij fudV Hkfo"; esa fdlh foÙkh; çHkko dh vk'kadk ugha gSA
cSad us vkbZ,Q,llh] ,lbZtsM fx¶+V flVh] xqtjkr ds i{k esa baVjus'kuy Q+kbusaf'k;y lfoZl lsaVlZ vFk‚fjVh ¼vkbZ,Q,llh,½ esa gekjs vkbZch;w@,Qch;w ds fy,
vkbZ,Q,llh, dh vfuok;Z vis{kk ds vuqlkj ,yvkslh tkjh fd;k gSA cSad dks tkjh ,yvkslh ds dkj.k fudV Hkfo"; esa fdlh foÙkh; çHkko dh vk'kadk ugha gSA ;g
Qjojh 2022 ds eghus esa tkjh fd;k x;k gSA
,Q- vlqjf{kr vfxze ¼jkf'k ` djksM+ esa½
fooj.k 2021-22 2020-21

cSad ds dqy vlqjf{kr vfxze 26610.06 18991.85

mijksä esa ls] vfxze dh jkf'k ftlds fy, vewrZ çfrHkwfr;ka tSls vfèkdkj] ykblsal] çkfèkdj.k] 'kwU; 'kwU;
vkfn ij çHkkj fy;k x;k gS
,slh vewrZ çfrHkwfr;ksa dk vuqekfur ewY; 'kwU; 'kwU;
th- QSDVfjax ,Dlikstj
QSDVfjax ,Dlikstj dk vyx ls çdVhdj.k fd;k tk,xk: 'kwU;
,p- baVªk&xzqi ,Dlikstj
Ø-la- fooj.k 2021-22 2020-21

1 baVªk xzqi ,Dlikstj dh dqy jkf'k 901.85 1030.85

2 'kh"kZ 20 baVªk xzqi ,Dlikstj dh dqy jkf'k 901.85 1030.85

3 mèkkjdrkZvksa@xzkgdksa ij cSad ds dqy ,Dlikstj ds lkis{k baVªk xzqi ,Dlikstj 0.16% 0.19%
dk çfr'kr
4 baVªk xzqi ,Dlikstj vkSj ml ij fu;ked dkjZokbZ] ij lhek ds mYya?ku dk fooj.k] 'kwU; 'kwU;
;fn dksbZ gks]
vkbZ- vugsTM fons'kh eqæk ,Dlikstj
cSad us vius mèkkjdrkZvksa ds vugsTM fons'kh eqæk ,Dlikstj ls mRiUu gksus okys _.k tksf[ke ds çcaèku ds fy, ,d uhfr cukbZ gSA tgka dksbZ LokHkkfod cpko ugha gS]
vk;kr@fu;kZr ysunsu ds lacaèk esa xzkgdksa dks Q‚joMZ doj dk lq>ko fn;k tkrk gSA Q‚joMZ doj] fofue; tksf[ke ij vugsTM tksf[ke dks de djus ds :i esa dk;Z
djsxkA lqfoèkkvksa dks eatwjh nsrs le;] cSad ;g lqfuf'pr dj jgk gS fd fons'kh eqækvksa esa lHkh ,Dlikstj ¼fufèk vkèkkfjr vkSj xSj&fufèk vkèkkfjr ftlesa ysVj v‚Q
dEQVZ @ ysVj v‚Q vaMjVsfdax 'kkfey gS½ Q‚joMZ doj }kjk doj fd;k x;k gSA Q‚joMZ doj dh NwV ij fopkj djus dk vuqjksèk] ;fn dksbZ gks] ij dsoy d‚ikZsjsV
dk;kZy; Lrj ij fopkj fd;k tkrk gSA mèkkj [kkrksa dh leh{kk djrs le;] vugsTM ,Dlikstj dks dsIpj dj fy;k tkrk gS vkSj ØsfMV çLrkoksa esa blds çHkko dk
fo'ys"k.k fd;k tkrk gSA
cSad us Hkkjrh; fjt+oZ cSad ds 15 tuojh 2014 ds ifji= ds vuqlkj 31 ekpZ 2022 dks lekIr o"kZ ds fy, # 3-88 djksM+ dk çkoèkku vkSj # 16-56 djksM+ dh iwath muds
?kVdksa dks vugsTM fons'kh eqæk ,Dlikstj ij çnku dh gSA
6. tekjkf'k;ksa] vfxzeksa] ,Dlikstjksa vkSj ,uih, dh ek=k
,½ tek dh ek=k ¼jkf'k ` djksM+ esa½
fooj.k 2021-22 2020-21

chl lcls cM+s tekdrkZvksa dh dqy tekjkf'k ¼dsoy ?kjsyw½ 39721.71 33601.39

cSad dh dqy tekjkf'k;ksa ds lkis{k chl lcls cM+s tekdrkZvksa dh tekjkf'k;ksa dk çfr'kr 6.80 % 6.34%

- 113 -
ch½ vfxzeksa dh ek=k ¼jkf'k ` djksM+ esa½

fooj.k 2021-22 2020-21

chl lcls cM+s mèkkjdrkZvksa dks dqy vfxze 51586.08 52342.04

cSad ds dqy vfxze ds lkis{k chl lcls cM+s mèkkjdrkZvksa fn, x, vfxze dk çfr'kr 12.41% 13.41%

* vfxzeksa dh x.kuk ØsfMV ,Dlikstj ds vkèkkj ij dh tk,xh ;kuh MsfjosfVo ,Dlikstj lfgr QaMsM vkSj u‚u&QaM fyfeV tgka ykxw gks A Loh—r lhek ;k cdk;k] tks
Hkh vfèkd gks] dh x.kuk dh tk,xhA gkykafd] iwjh rjg ls vkgfjr eh;knh _.kksa ds ekeys esa] tgka Loh—r lhek ds fdlh Hkh fgLls dks fQj ls fudkyus dh dksbZ xqatkb'k
ugha gS cSad cdk;k dks ØsfMV ,Dlikstj ds :i esa eku ldrk gSA
lh- ,Dlikst+j dh ek=k ¼jkf'k ` djksM+ esa½

fooj.k 2021-22 2020-21

chl lcls cM+s mèkkjdrkZvksa@xzkgdksa ds çfr dqy ,Dlikstj 68900.08 68813.87

mèkkjdrkZvksa @ xzkgdksa ij cSad ds dqy ,Dlikstj ds lkis{kchl lcls cM+s mèkkjdrkZvksa ds

,Dlikstj dk çfr'kr@ 11.86% 12.51%

Mh- ,uih, dh ek=k

fooj.k 31.03.2022 31.03.2021

'kh"kZ chl [kkrksa esa dqy ,Dlikstj 6587.36 7987.90

dqy ldy ,uih, ds lkis{k chl lcls cM+s ,uih, ,Dlikstj dk çfr'kr 18.71% 20.77%

7. MsfjosfVo

,½ ok;nk nj djkj@C;kt nj LoSi

foRrh; o"kZ 2021&22 ds nkSjku] cSad us rqyu i= vkfLr;ksa dss cpko ds fy, ok;nk nj djkj@C;kt nj LoSi ¼vkbZvkj,l½ ds Lo:i dh dksbZ O;qRiUu lafonk
ugha dhA
¼jkf'k ` djksM+ esa½

fooj.k 2021-22 2020-21

I) LoSi le>kSrksa dk vkuqekfud fl)kar 0.00 0.00

ii) ;fn le>kSrs ds rgr lk>snkj] vius nkf;Roksa dks iwjk djus esa foQy jgs rks
gksus okyh gkfu;k¡ 'kwU; 'kwU;
iii) LoSi esa ços'k djus ij cSad }kjk vko';d laikfÜoZd 'kwU; 'kwU;
iv) LoSi ls mRiUu gksus okys _.k tksf[ke dh ek=k 0.00 0.00

v) LoSi cqd dk mfpr ewY; 0.00 0.00

uksV% LoSi dh ç—fr vkSj 'krZsa] ftlesa ØsfMV vkSj cktkj tksf[ke ij tkudkjh vkSj LoSi fjd‚MZ djus ds fy, viukbZ xbZ ys[kk uhfr;ka 'kkfey gSa] dk Hkh çdVhdj.k fd;k
tk,xkA
ch½ fofue; O;kikj C;kt nj O;qRiUu
orZeku o"kZ vkSj foxr o"kZ ds nkSjku cSad us fofue; O;kikj C;kt nj O;qRiUu ds fy, dksbZ djkj ugha fd;k gSA
Ø-la- fooj.k 2021-22 2020-21

I) o"kZ ds nkSjku fd;s x;s fofue; O;kikj C;kt nj O;qRiUu dk vuqekfur ewy/ku ¼fy[kr okj½ 'kwU; 'kwU;
ii) 31 ekpZ 2020 dks fofue; O;kikj C;kt nj O;qRiUu ds vuqekfur ewy/ku dk cdk;k 'kwU; 'kwU;
¼fy[kr okj½
iii) fofue; O;kikj C;kt nj O;qRiUu ds vuqekfur ewy/ku dk cdk;k rFkk ^^vf/kd çHkkokRed^^ 'kwU; 'kwU;
u jgusokys ¼fy[kr okj½ “highly effective” (instrument-wise)
iv) fofue; O;kikj C;kt nj O;qRiUu ds cktkj ewY; dks cgh esa vafdr jkf'k dk cdk;k rFkk 'kwU; 'kwU;
vf/kd çHkkokRed u jgusokys ¼fy[kr okj½
- 114 -
lh½ O;qRiUuksa esa _.k tksf[ke ij çdVhdj.k

I) xq.kkRed çdVhdj.k%

cSad dh uhfr vkbZvkj,l dk mi;ksx djrs gq, vkfLr;ksa ds lkFk&lkFk ns;rkvksa dh gsftax dh vuqefr nsrh gSA gsftax ysu&nsuksa dks mip; vk/kkj ij ys[kkafdr fd;k
tkuk pkfg,A ,sls LoSi tks C;kt dekusokyh vkfLr @ ns;rk dh çfrj{kk djrs gSa] gst dh xbZ vkfLr ;k ns;rk ds :i esa ys[kkafdr fd;s tkrs gaSA cdk;k LoSi lafonk,¡
cktkj ewY; ij vafdr gksrh gSaA

varjkZ"Vªh; LoSi Mhyj la?k ds fn'kkfunsZ'kksa ds vk/kkj ij lHkh LoSi ysunsu fd, x, gSaA ysunsuksa dks lekIr djus ds igys cSad ds ikl i;kZIr vkarfjd vuqeksnu vkSj
fu;a=.k ç.kkfy;k¡ miyC/k gSaA (i) O;kikj ¼Mhfyax½ (ii) cSd&vkWfQ+l ¼le>kSrk] fuxjkuh vkSj fu;a=.k½ rFkk (iii) ys[kkdj.k {ks=ksa ds chp ,d Li"V dk;Zdkjh i`FkDdj.k
miyC/k gSA

O;qRiUu mRikn [kaM ds varxZr cSad] vksojukbV baMsDl LoSi ¼vksvkbZ,l½ esa LokfeRo ysunsu dj jgk gSA bl [kaM esa cSad dh xfrfof/k;k¡ cSad ds cksMZ }kjk vuqeksfnr O;qRiUu
mRikn laca/kh uhfr ds v/khu dh tkrh gSaSA

vksvkbZ,l ysunsuksa ls gksusokys ykHk o gkfu] ysunsu dh ifjiDork ;k lekfIr] tks Hkh iwoZ gks] ij ykHk o gkfu [kkrs esa n'kkZ, tkrs gaSA cdk;k vksvkbZ,l ysunsu ds ewY;kadu
dks fuf'pr djus ds fy,] laiw.kZ vnyk&cnyh dk lgh ewY;] rqyu i= dh fnukad ij vnyk&cnyh dh lekfIr ls çkI; ;k ns; jkf'k] ds vk/kkj ij fd;k tkrk gSA blls
çkIr gkfu ds fy, laiw.kZ çko/kku fd;k tkrk gS vkSj vxj ykHk gks rks] utj vankt fd;k tkrk gSA

fofue; cktkj esa ysunsu fd, tkus okys fons'kh fofue; O;qRiUu mRikn vFkkZr~ eqnzk ok;ns lkSns] fofue; cktkj fu/kkZfjr ewY;ksa ij ewY;kafdr fd, tkrs gSa vkSj
ifj.kkeLo:i gksusokyk ykHk o gkfu] cSad ds ykHk o gkfu [kkrs esa n'kkZ;k tkrk gSA

ii) ek=kRed ÁdVhdj.k

O;qRiUu cktkj esa cSad ds fuEufyf[kr mRikn gSa %&

¦ djsalh ¶;qplZ

31-03-2022 dks djsalh ¶;wplZ esa cdk;k fLFkfr ` 'kwU; gS vkSj fiNys o"kZ ` 'kwU; FkhA
¼jkf'k ` djksM+ esa½
31.03.2022 31.03.2021
Ø-la- fooj.k
eqæk O;qRikn C;kt nj O;qRikn eqæk O;qRikn C;kt nj O;qRikn

a) O;qRiUu ¼ukeek= ewy jde½

d½ çfrj{kk ds fy, 0.00 0.00 0.00 0.00

[k½ O;kikj ds fy, 0.00 0.00 0.00 0.00

b) ckt+kj dh fLFkfr;ksa ij vafdr

d½ vkfLr (+) 0.00 0.00 0.00 0.00

[k½ ns;rk (-) 0.00 0.00 0.00 0.00

c) _.k tksf[ke 0.00 0.00 0.00 0.00

d) C;kt nj esa ,d çfr'kr cnyko dk laHkkO; çHkko

¼100* ihoh 01½
i) çfrj{kk O;qRiUu ij 0.00 0.00 0.00 0.00

ii) O;kikj O;qRiUu ij 0.00 0.00 0.00 0.00

e) o"kZ ds nkSjku ik, x, 100 ihoh* 01 dk vf/kdre vkSj U;wure

i) çfrj{kk ij 0.00 0.00 0.00 0.00
ii) O;kikj ij 0.00 0.00 0.00 0.00

Mh½ ØsfMV fMQkYV LoSi% 'kwU;

- 115 -
çfrHkwfrdj.k ls lacafèkr çdVhdj.k ¼jkf'k ` djksM+ esa½

Ø-la- fooj.k 2021-22 2020-21

1 çorZd }kjk mRiUu çfrHkwfrdj.k ysunsu ds fy, laifÙk j[kus okys ,lihbZ dh la[;k ¼dsoy 'kwU; 'kwU;
cdk;k çfrHkwfrdj.k ,Dlikstj ls lacafèkr ,lihoh ;gka fjiksVZ dh tk,xh½

2 ,lihbZ dh cqd ds vuqlkj çfrHkwr laifÙk dh dqy jkf'k 'kwU; 'kwU;

3 cSysal 'khV dh rkjh[k dks ,evkjvkj dk vuqikyu djus ds fy, çorZd }kjk j[ks x, 'kwU; 'kwU;
,Dlikstj dh dqy jkf'k

,½ v‚Q cSysal 'khV ,Dlikst+j

m QLVZ y‚l 'kwU; 'kwU;
m vU;

ch½ v‚u cSysal 'khV ,Dlikst+j

m QLVZ y‚l 'kwU; 'kwU;
m vU;

4 ,evkjvkj ds vykok çfrHkwfrdj.k ysunsu ds fy, ,Dlikstj dh jkf'k 'kwU; 'kwU;

,½ v‚Q cSysal 'khV ,Dlikst+j
I) Lo;a ds çfrHkwfrdj.k ds fy, ,Dlikstj
m QLVZ y‚l
m vU;
ii) rhljs i{k ds çfrHkwfrdj.k ds fy, ,Dlikstj
m QLVZ y‚l 'kwU; 'kwU;
m vU;

ch ½ v‚u cSysal 'khV ,Dlikst+j

I) Lo;a ds çfrHkwfrdj.k ds fy, ,Dlikstj
m QLVZ y‚l
m vU;
ii) rhljs i{k ds çfrHkwfrdj.k ds fy, ,Dlikstj 'kwU; 'kwU;
m QLVZ y‚l
m vU;

5 çfrHkwfr—r vkfLr;ksa ds fy, çkIr fcØh çfrQy vkSj çfrHkwfrdj.k ds dkj.k fcØh ij 'kwU; 'kwU;
ykHk@gkfu

6 fyfDofMVh liksVZ] iksLV&flD;ksfjVkbts'ku ,lsV lfoZflax vkfn ds ekè;e ls çnku dh tkus 'kwU; 'kwU;
okyh lsokvksa dk Q‚eZ vkSj ek=k ¼cdk;k ewY;½A

7 çnku dh xbZ lqfoèkk dk çn'kZuA —i;k çR;sd lqfoèkk vFkkZr _.k esa o`f)] fyfDofMVh lgk;rk]
lfoZflax ,tsaV vkfn ds fy, vyx ls mYys[k djsaA çnku dh xbZ lqfoèkk ds dqy ewY; ds
:i esa dks"Bd esa çfr'kr dk mYys[k djsaA
¼,½ Hkqxrku dh xbZ jkf'k
¼ch½ pqdkSrh çkIr
¼lh½ cdk;k jkf'k 'kwU; 'kwU;

8 vrhr esa ik, x, iksVZQksfy;ks dh vkSlr fMQ+‚YV njA —i;k çR;sd ifjlaifÙk oxZ vFkkZr
vkj,ech,l] okgu _.k vkfn ds fy, vyx ls fooj.k çnku djsa 'kwU; 'kwU;

9 leku varfuZfgr ifjlaifÙk ij fn, x, vfrfjä@V‚i vi _.k dh jkf'k vkSj la[;kA —i;k
çR;sd ifjlaifÙk oxZ vFkkZr vkj,ech,l] okgu _.k vkfn ds fy, vyx ls fooj.k çnku djsa 'kwU; 'kwU;

10 fuos'kdksa dh f'kdk;rsa
¼,½ çR;{k @ vçR;{k :i ls çkIr vkSj( ¼ch½ cdk;k f'kdk;rsa 'kwU; 'kwU;

- 116 -
9. ,lihoh çk;ksftr v‚Q cSysal 'khV ¼ftUgsa ys[kkadu ekunaMksa ds vuqlkj lesfdr fd;k tkuk vko';d gS½

çk;ksftr ,lihoh dk uke

?kjsyw vksojlht
'kwU; 'kwU;

10. fMi‚ftVj ,tqds'ku ,.M vosjusl QaM ¼MhbZ, QaM½ esa varj.k ¼jkf'k ` djksM+ esa½
fooj.k 2021-22 2020-21
1- MhbZ,,Q dks varfjr jkf'k;ksa dh çkjafHkd 'ks"k jkf'k 1973.27 1386.90
2- tksM+sa % o"kZ ds nkSjku MhbZ,,Q dks varfjr jkf'k 265.92 596.89
3- ?kVk, % o"kZ ds nkSjku nkoksa ds fy, MhbZ,,Q }kjk çfriwfrZ dh xbZ jkf'k 17.70 10.52
4- MhbZ,,Q dks varfjr jkf'k dk vafre 'ks"k] ¼1$2&3½ 2221.49 1973.27

11. f'kdk;rksa dk çdVhdj.k

,½ cSad dks xzkgdksa ls vkSj cSafdax yksdiky ¼vkschvks½ ds dk;kZy;ksa ls çkIr f'kdk;rksa ij laf{kIr tkudkjh

¼jkf'k ` djksM+ esa½

Ø-la- fooj.k 2021-22 2020-21

cSad dks vius xzkgdksa ls çkIr f'kdk;rsa

1 o"kZ dh 'kq#vkr esa yafcr f'kdk;rksa dh la[;k 11834 16804
2 o"kZ ds nkSjku çkIr f'kdk;rksa dh la[;k 254183 321876
3 o"kZ ds nkSjku fuiVkbZ xbZ f'kdk;rksa dh la[;k 264429 326846
3-1 ftuesa ls] cSad }kjk vLoh—r f'kdk;rksa dh la[;k 531 351
4 o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 1588 11834
vkschvks ls cSad dks çkIr vuqj{k.kh; f'kdk;rksa dh la[;k
5 yksdiky dk;kZy; ls cSad dks çkIr vuqj{k.kh; f'kdk;rksa dh la[;k 7204 4896
5-1 5 esa ls] chvks }kjk cSad ds i{k esa gy dh xbZ f'kdk;rksa dh la[;k 6254 4795
5-2 5 esa ls] chvks }kjk tkjh lqyg @ eè;LFkrk @ lykg ds ekè;e ls gy dh xbZ f'kdk;rksa dh la[;k 460 466
5-3 5 esa ls] cSad ds f[kykQ chvks }kjk vfèkfu.kZ; ikfjr djus ds ckn gy dh xbZ f'kdk;rksa dh la[;k 3 0
6 fuèkkZfjr le; ds Hkhrj ykxw ugha fd, x, vfèkfu.kZ;ksa dh la[;k ¼vihy fd, x, vfèkfu.kZ; ds vykok½ 0 0
uksV% vuqj{k.k ;ksX; f'kdk;rsa fo'ks"k :i ls ,dh—r yksdiky ;kstuk] 2021 ¼igys cSafdax yksdiky ;kstuk] 2006½ esa mfYyf[kr vkèkkjksa ij f'kdk;rksa dks lanfHkZr djrh
gSa vkSj ;kstuk ds nk;js esa vkrh gSaA

- 117 -
ch½ xzkgdksa ls cSad dks çkIr f'kdk;rksa ds 'kh"kZ ikap vkèkkj

fiNys o"kZ dh o"kZ ds var esa ¼5½ esa ls] 30

o"kZ dh 'kq#vkr rqyuk esa çkIr fnuksa ls
f'kdk;rksa dk vkèkkj esa yafcr o"kZ ds nkSjku çkIr yafcr
f'kdk;rksa f'kdk;rksa dh f'kdk;rksa dh vfèkd yafcr
¼vFkkZr lacafèkr f'kdk;rsa½ f'kdk;rksa dh la[;k la[;k esa % f'kdk;rksa dh
dh la[;k la[;k
o`f) @ deh la[;k

1 2 3 4 5 6
pkyw o"kZ
,Vh,e MsfcV dkMZ 4815 137138 -2% 884 0
baVjusV @ eksckby @ bysDVª‚fud cSafdax 6150 46991 - 62 % 291 0
[kkrk [kksyuk @ [kkrs ds lapkyu esa dfBukbZ 113 3505 + 118 % 21 0
_.k vkSj vfxze 63 3258 - 20 % 18 0
ofj"B ukxfjdksa @ fnO;kaxtuksa ds fy, isa'ku
vkSj lqfoèkk,a 0 1340 + 224 % 8 0
vU; 693 61951 + 22 % 366 0
dqy 11834 254183 - 21 % 1588 0
fiNyk o"kZ
,Vh,e MsfcV dkMZ 2341 139288 - 55 % 4815 350
baVjusV @ eksckby @ bysDVª‚fud cSafdax 13637 124969 + 26 % 6150 2649
_.k vkSj vfxze 1 4084 + 440 % 113 31
[kkrk [kksyuk @ [kkrs ds lapkyu esa dfBukbZ 12 1605 + 915 % 63 9
ØsfMV dkMZ 3 1137 + 19 % 0 0
vU; 810 50793 693 209
dqy 16804 321876 11834 3248

12 Hkkjrh; fjtoZ cSad }kjk yxk, x, tqekZus dk çdVhdj.k

o"kZ ds nkSjku vkjchvkbZ us ` 265-44 yk[k ¼163 çfof"V;ka½ dk tqekZuk yxk;k gS] ftuesa ls

& ` 24-41 yk[k ¼149 çfof"V;k¡½ eqæk frtksjh lapkyu ls lacafèkr 'kksVZst] xans uksVksa ds çs"k.k esa tkylkth] bZdqcsj esa nsjh @ xyr fjiksfVZax @ vkjchvkbZ
fn'kkfunZs'kksa dk ikyu u djuk ls lacafèkr gS (

& ` 6-98 yk[k ¼1 çfof"V½ ,ubZ,QVh ØsfMV esa nsjh ds dkj.k gS]

& fMftVy ysunsu ls lacafèkr xzkgd f'kdk;rksa ij lgdeÊ lewg ds vkSlr mYya?ku ds dkj.k ` 0-50 yk[k

¼1 çfof"V½

& ,Vh,e esa jde dh iqu%iwfrZ u gksus ds dkj.k ` 6-70 yk[k ¼8 çfof"V;ka½

& ,uch,Qlh dks cSad foÙk ij vkjchvkbZ ds funZs'kksa ds mYya?ku ds dkj.k ` 100-00 yk[k dk tqekZuk

¼1 çfof"V½

& ,u,lh,p fjVuZ esa foyac ds fy, ,uihlhvkbZ }kjk yxk;k x;k ` 68-37 yk[k dk tqekZuk ¼1 çfof"V½

& ,uihlhvkbZ iksVZy esa Vhlhlh@Mhvkjlh çfof"V;ksa ds lekèkku vkSj viMs'ku dks iwjk djus esa foyac ds fy, ,uihlhvkbZ }kjk yxk;k x;k ` 58-48 yk[k dk
tqekZuk ¼2 çfof"V;ka½

- 118 -
13- Ukdnh çokg fooj.k ¼,,l 3½

¼jkf'k ` gtkj esa½

31-03-2022 dks 31-03-2021 dks
lekIr o"kZZ lekIr o"kZZ
ykHk o gkfu [kkrs ds vuqlkj fuoy ykHk fuEufyf[kr gssrq lek;kstu % 39448206 30046777
vutZd vkfLr;ksa ds fy, çkoèkku 84466008 73184606
fuos'k ds fy, çkoèkku 4537502 4276778
ekud vkfLr;ksa ds fy, çkoèkku 9615745 4694004
dj ds fy, çkoèkku (7405871) (990977)
vU; çkoèkku vkSj vkdfLedrk,a (60210) 2745298
vpy laifÙk;ksa ij ewY;ºzkl 5974999 6328720
iwath fy[kr ij C;kt 7495868 6439760
Hkwfe vkSj Hkouksa dh fcØh ij gkfu@¼ykHk½ (52203) 3919
lgk;d daifu;ksa vkSj la;qä m|e ls ykHkka'k vk; (12285) 0
vk;dj dk Hkqxrku 0 0
dk;Z'khy iw¡th ifjorZuksa dss iwoZ ifjpkyuxr ykHk 144007759 126728885
ifjpkyuxr vkfLr;ksa esa o`f) @ deh
fuos'kksa esa ¼o`f) ½ @ deh 15246280 (150563787)
vfxzeksa esa ¼o`f) ½ @ deh (349673681) (302528578)
vU; vkfLr;ksa esa ¼o`f) ½ @ deh 50561956 (20832693)
(283865445) (473925058)
ifjpkyuxr ns;rkvksa esa o`f) @ deh
tekvksa esa o`f) @¼deh½ 555466988 495212542
mèkkj esa o`f) @ ¼deh½ ¼iwathxr fy[kr ds vykok½ (69900227) (67892203)
vU; nss;rkvksa esa o`f)@¼deh½ (58387950) 92163643
427178811 519483982
ifjpkyu (,) ls l`ftr fuoy udnh 287321125 172287809
fuos'k xfrfof/k;ksa ls udnh çokg
lgk;d daifu;ksa vkSj la;qä m|e ls ykHkka'k vk; 12285 0
vpy vkfLr;ksa dh [kjhn (3184083) (5586490)
vpy vkfLr;ksa dh fcØh 182100 154985
fuoss'k xfrfof/k;ksa ls l`ftr fuoy udnh (ch) (2989698) (5431505)
foRriks"k.k xfrfof/k;ksa ls dqy udnh çokg
ykHkka'k dk Hkqxrku (2490882) 0
,Vh&1 ckaM tkjh djuk 0 20000000
fV;j & 2 ckaM tkjh djuk 0 20000000
,Vh 1 ckaM dk ekspu 0 (5000000)
fV;j 2 ckaMksa dk ekspu (6000000) (10000000)
iwath fy[kr ij C;kt (7824750) (6319416)
vofèk ds nkSjku tkjh bfDoVh iwath ¼ 'ks;j çhfe;e lfgr½ 16499999 0
bZ&,ch 'ks;jèkkjd dks Hkqxrku dh xbZ jkf'k ¼va'k Hkkx ds fy,½ 0 (25076)
foRriks"k.k xfrfof/k;ksa ls l`ftr fuoy udnh ¼lh½ 184367 18655508
lekesyu ds dkj.k izkIr udnh ,oa udnh ledj.k@rqY; ¼Mh½ 0 217503795

- 119 -
 udnh vkSj udnh ledj.kksa esa fuoy o`f)@¼deh½
¼,½ $ ¼ch½ $ ¼lh½ $ ¼Mh½ 284515794 403015607
o"kZ ds çkjaHk esa udnh o udnh rqY;
gkFk esa udnh ¼fons'kh eqæk uksV lfgr½ 16582776 10060885
Hkkjrh; fjt+oZ cSad ds lkFk pkyw [kkrs esa 'ks"k 258868041 47300358
cSadksa esa 'ks"k
¼,½ pkyw [kkrksa esa 950844 53506
¼ch½ vU; tek [kkrksa esa 20464344 7133657
cSadksa esa ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 89000001 21000001
Hkkjr ds ckgj cSadksa esa 'ks"k
¼,½pkyw [kkrksa esa 15776770 5309257
¼ch½ vU; tek [kkrksa esa 112708204 20684919
ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 293742 86532
514644722 111629115
o"kZ ds var esa udnh o udnh rqY;
gkFk esa udnh ¼fons'kh eqæk uksV lfgr½ 19623975 16582776
Hkkjrh; fjt+oZ cSad ds lkFk pkyw [kkrs esa 'ks"k 220920116 258868041
cSadksa esa 'ks"k
¼,½ pkyw [kkrksa esa 61763 950844
¼ch½ vU; tek [kkrksa esa 13861522 20464344
cSadksa esa ekax ,oa vYi lwpuk ij jkf'k;ka 345002006 89000001
Hkkjr ds ckgj cSadksa esa 'ks"k
¼,½pkyw [kkrksa esa 5039797 15776770
¼ch½ vU; tek [kkrksa esa 194530925 112708204
ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 120412 293742
799160516 514644722
udn vkSj udn led{k çkjEHk vkSj var esa varj 284515794 403015607

14- LVkQ dks iznRr ykHk ¼,,l 15½

I) IfjHkkf"kr va'knku ;kstuk,¡ %
Hkfo"; fuf/k ,d oS/kkfud nkf;Ro gS vkSj va'knk;h Hkfo"; fuf/k dk fodYi pquusokyksa ds ekeys esa cSad iwoZfu/kkZfjr njksa ij fuf'pr va'knku vnk djrk gSA ,sls fuf'pr
va'knku dh jkf'k rd gh cSad dk nkf;Ro lhfer gSA bu va'knkuksa dks ykHk ,oa gkfu ys[kk esa çHkkfjr fd;k tkrk gSA fuf/k dk çca/k bafM;u cSad LVkQ Hkfo"; fuf/k U;kl
}kjk fd;k tkrk gSA foÙkh; o"kZ 2021-22 ds nkSjku cSad us ` 1-14 djksM+ ¼fiNys o"kZ ` 1-07 djksM+½ dk va'knku fn;k gSA
ubZ isa'ku ;kstuk ¼,uih,l½ mu deZpkfj;ksa ij ykxw gksrh gS] ftudh cSad esa HkrhZ 01-04-2010 ds ckn gqbZ gS vkSj ;g ,d ifjHkkf"kr va'knku ;kstuk gSA ,uih,l ds varxZr
cSad iwoZ&fu/kkZfjr nj ij ,d fuf'pr va'knku vnk djrk gS vkSj cSad dk nkf;Ro ,sls fuf'pr va'knku rd lhfer gSA bl va'knku dks ykHk ,oa gkfu ys[kk esa çHkkfjr
fd;k tkrk gSA foÙkh; o"kZ 2021-22 ds nkSjku] cSad us ` 255-18 djksM+ ¼fiNys o"kZ `153-31 djksM+½ dk va'knku fn;k gSA
ii) ifjHkkf"kr ykHk ;kstuk,a %
ys[kk ekud&15 ¼la'kksf/kr½ ds vuqlj.k esa visf{kr ykHk ,oa gkfu ys[kk vkSj rqyu i= esa ekU;rk fn, x, fu;kstuksRrj ykHk vkSj nh?kZdkyhu deZpkjh ykHkksa dh la{ksi esa
fLFkfr fuEukuqlkj gS %&
fuEu rkfydk cSad }kjk fu;qä Lora= chekadd }kjk chekafdd ewY;kdau ds vuqlkj ifjHkkf"kr ykHk isa'ku ;kstuk vkSj minku ;kstuk dk vkèkkj fuèkkZfjr djrk gS%

- 120 -
ewy chekadd vuqeku
¼Hkkfjr vkSlrksa ds :i esa O;Dr½ 31/03/2022 31/03/2021
cV~Vs dh nj isa'ku ,oa minku ds fy, 7.27% & isa'ku ds fy, 6.87% - 15 o"kZ th&lsd isij
&th &lsd jsV 15 o"kZ th&lsd isij minku ds fy, 6.44% - 10 o"kZ th&lsd isij
osru c<ksRrjh dh nj 6.00% ¼osru la'kks/ku gsrq 0.50% lfgr½ 6-00% ¼osru la'kks/ku gsrq 0.50% lfgr½
inR;kx dh nj isa'ku ds fy, 1.00% vkSj isU'ku ds fy, 1.00% vkSj
lsokjr deZpkfj;ksa ds fy, 2.00% lsokjr deZpkfj;ksa ds fy, 2.00%
;kstuk vkfLr;ksa ij visf{kr çfrQy dh nj* 7.62% isa’ku ds fy, vkSj 6.89% isa’ku ds fy, vkSj
7.67% minku ds fy, 6.86% minku ds fy,
ç;qDr rjhdk ifj;kstuk bdkbZ tek ¼ih;wlh½ chekafdd rjhdk
* ;kstuk vkfLr;ksa ij visf{kr çfrQy dh nj] NqV~Vh dh HkqukbZ ij ykxw ugha gksxhA

Hkfo"; esa gksusokyh osru c<ksRrjh dk vkdyu] eqnzkLQhfr] ofj"Brk] inksUufr vkSj fu;kstu ckt+kj esa vkiwfrZ vkSj ekax tSls laxr rRoksa dks fglkc esa ysrs gq, vkSj vkbZch,
}kjk lalwfpr vf/kof"kZrk ;kstukvksa ds fu/kh;u ds fn’kkfunsZ’k ds vuq:Ik fd;k tkrk gSA bl rjg ds vuqeku cgqr nh?kZdkfyd gSa vkSj lhfer vrhr ds vuqHko @ rRdky
Hkfo"; ij vkèkkfjr ugha gSaA vuqHkotU; lk{; ;g Hkh crkrs gSa fd cgqr yacs le; esa] yxkrkj mPp osru o`f) nj laHko ugha gSA

Nqêh HkqukbZ dh ns;rk,¡ xSj&fuf/kd gksrh gSaA

II. ck/;rk ds orZeku ewY; ¼ihohvks½ esa ifjorZu & isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
çkjafHkd 'ks"k ,oa var'ks"k dk ys[kk lek/kku
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
o"kZ ds vkjaHk esa ihohvks 15319.48 13995.78 1848.22 1868.46 977.42 826.09

C;kt ykxr 1047.85 914.67 110.19 120.53 59.12 53.97

orZeku lsok ykxr 250.19 229.80 69.21 105.33 175.72 174.38

foxr lsok ykxr & igpkuh xbZ @ fufgr ykHk 0.00 0 0.00 0 0.00 0

foxr lsok ykxr & u igpkuh xbZ @vfufgr ykHk 0.00 0 0.00 0 0.00 0

çnRr ykHk -1812.10 -1363.65 -274.20 -223.04 -284.86 -69.4

ck/;rk ij chekafdd gkfu @ ¼ykHk½ 1741.31 1542.88 30.26 -23.06 77.35 -7.62

o"kZ dh lekfIr ij ihohvks 16546.73 15319.48 1783.68 1848.22 1004.75 977.42

III. ;kstuk vkfLr;ksa ds mfpr ewY; esa ifjorZu & isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
ÁkjafHkd 'ks"k ,oa var'ks"k dk ys[kk lek/kku
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
o"kZ ds vkjaHk esa ;kstuk vkfLr;ksa dk mfpr ewY; 14961.61 13918.80 1897.26 1929.03 0.00 0
;kstuk vkfLr;ksa ij visf{kr ÁfrQy 1132.00 1104.42 136.42 126.42 0.00 0
va'knku 1599.55 1495.93 36.86 50.7 284.86 215.94
çnRr ykHk -1812.10 -1363.65 -274.20 -223.04 -284.86 -215.94
;kstuk vkfLr;ksa ij chekafdd ykHk @ ¼gkfu½ 12.57 -193.89 6.41 14.15 0.00 0
o"kZ dh lekfIr ij ;kstuk vkfLr;ksa dk mfpr ewY; 15893.63 14961.61 1802.75 1897.26 0.00 0

- 121 -
 ¼jkf'k ` djksM+ esa½
isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
IV. ;kstuk vkfLr;ksa ij okLrfod ÁfrQy
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
;kstuk vkfLr;ksa ij visf{kr çfrQy 1132.00 1104.42 136.42 126.42 0.00 0.00

;kstuk vkfLr;ksa ij chekafdd ykHk@¼gkfu½ 12.57 -193.39 6.41 14.15 0.00 0.00

;kstuk vkfLr;ksa ij okLrfod çfrQy 1144.57 910.53 142.83 140.57 0.00 0.00

¼jkf'k ` djksM+ esa½

isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
V. igpkuk x;k chekafdd ykHk@gkfu
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

o"kZ ds fy, chekafdd ykHk@¼gkfu½ & ck/;rk -1741.31 -1542.88 -30.26 +23.06 -77.35 7.62

o"kZ ds fy, chekafdd ykHk@¼gkfu½ & Mhchvks esa foÙkh; èkkj.kk esa
cnyko ds dkj.k 0.00 0 0.00 0 0.00 0

o"kZ ds fy, chekafdd ykHk@¼gkfu½&;kstuk vkfLr;ka 12.57 -193.89 6.41 +14.15 0.00 0

o"kZ ds fy, dqy ykHk@¼gkfu½ -1728.74 -1736.77 -23.85 +37.21 -77.35 7.62

o"kZ ds nkSjku igpkus x, chekafdd ykHk@¼gkfu½ -1728.74 -1736.77 -23.85 +37.21 -77.35 7.62

o"kZ ds var esa u igpkus x, chekafdd ykHk@¼gkfu½ 0.00 0 0.00 0 0.00 0

ck/;rk ij chekafdd gkfu @ ¼ykHk½ -1728.74 -1736.77 -23.85 +37.21 -77.35 7.62

¼jkf'k ` djksM+ esa½

isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
VI. rqyu i= esa igpkuh x;h jkf'k;ka vkSj lacaf/kr fo'ys"k.k

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

ck/;rk dk orZeku ewY; 16546.73 15319.48 1783.68 1848.22 1004.75 977.42

;kstuk vkfLr;ksa dk mfpr ewY; 15893.63 14961.61 1802.75 1897.26 0 0

vUrj- fuoy ¼ns;rk½ @ rqyu i= esa igpkuh xbZ vkfLr -653.10* -357.87 19.07 49.04 1004.75 977.42

igpku u dh x;h laØe.kdkyhu ns;rk 0.00 0 0.00 0.00 0.00 0

igpku u dh x;h foxr lsok ykxr 0.00 0 0.00 0.00 0.00 0

rqyu i= esa igpkuh x;h ns;rk -653.10* -357.87 19.07 49.04 1004.75 977.42

* ikfjokfjd isa'ku fu;eksa esa ifjorZu ds dkj.k çkoèkku 'kkfey gS

¼jkf'k ` djksM+ esa½

VII. ykHk ,oa gkfu ys[ks esa igpkus x;s O;; isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
orZeku lsok ykxr 250.19 229.79 69.21 105.33 175.72 174.38

C;kt ykxr 1047.85 914.67 110.19 120.53 59.12 53.97

;kstuk vkfLr;ksa ij visf{kr çfrQy -1132.00 -1104.42 -136.42 -126.42 0 0.00

fuoy chekafdd ¼ykHk½@ gkfu tks bl o"kZ esa igpkuh xbZ gS 1728.74 1736.77 23.85 -37.21 77.35 7.62

bl o"kZ esa igpkuh xbZ laØe.kdkyhu ns;rk 0.00 0.00 0.00 0.00 0.00 0.00

foxr lsok ykxr & igpkuh xbZ 0.00 0.00 0.00 0.00 0.00 0.00

ykHk ,oa gkfu ys[ks esa igpkus x;s O;; 1894.78 1776.82 66.83 62.23 312.19 220.73

- 122 -
 ¼jkf'k ` djksM+ esa½

isa'ku fuf/k minku fuf/k NqV~Vh dh

VIII. rqyu i= esa igpkuh x;h ns;rkvksa esa ifjorZu
HkqukbZ
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
fuoy ns;rk dk vkjafHkd 'ks"k -357.87 -76.98 49.04 60.57 -977.42 -826.09

mi;qZDrkuqlkj O;; -1894.78 -1776.82 -66.83 -62.23 -312.19 -220.73

çnRr va'knku 1599.55 1495.93 36.86 50.70 284.86 69.40

fuoy ns;rk dk var 'ks"k -653.10 -357.87 19.07 49.04 -1004.75 -977.42

¼jkf'k ` djksM+ esa½

IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu (ii) ---------------------------dks lekIr o"kZ

fiNys o"kZ 2017&21 & isa'ku
31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
ck/;rk dk orZeku ewY; 5925.15 6245.89 6520.32 6801.96 15319.48 16546.73

;kstuk vkfLr;ka 5841.36 6146.80 6418.93 6697.41 14961.61 15893.63

vf/k'ks"k ¼?kkVk½ -83.79 -99.09 -101.39 -104.55 -357.87 -653.10

;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -626.82 -704.39 -335.65 -449.25 -1542.88 -1741.31

;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk 27.73 10.93 -8.58 13.32 -193.89 12.57

¼jkf'k ` djksM+ esa½

IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu (iii) dks lekIr o"kZ

fiNys o"kZ 2017&21 & minku
31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022

ck/;rk dk orZeku ewY; 900.90 964.99 923.85 928.98 1848.22 1783.68

;kstuk vkfLr;ka 876.81 932.55 910.66 896.40 1897.26 1802.75

vf/k'ks"k ¼?kkVk½ -24.09 -32.44 -13.19 -32.58 49.04 19.07

;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -87.34 -36.20 -2.11 -61.22 23.06 107.08

;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk -1.36 22.12 -0.38 2.71 14.15 6.41

¼jkf'k ` djksM+ esa½

IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu (iii) dks lekIr o"kZ

fiNys o"kZ 2017&21 Nqêh HkqukbZ
31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022

ck/;rk dk orZeku ewY; 171.21 179.51 188.21 210.29 977.42 1004.75

;kstuk vkfLr;ka 0.00 0.00 0.00 0.00 0.00 0.00

vf/k'ks"k ¼?kkVk½ -171.21 -179.51 -188.21 -210.29 -977.42 -1004.75

;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -3.01 10.18 7.58 17.71 7.62 -77.35

;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk 0.00 0.00 0.00 0.00 0.00 0.00

- 123 -
 X. ;kstuk vkfLr;ksa ds eq[; laoxZ ¼dqy ;kstuk vkfLr;ksa 2021-2022 2020-2021
ds çfr'kr esa½
isa'ku minku isa'ku minku
fuf/k fuf/k fuf/k fuf/k
Hkkjr ljdkj çfrHkwfr;k¡ vkSj jkT; ljdkj çfrHkwfr;k¡ 32.38% 23.42% 36.76% 28.00%

mPp xq.koRrkokys dkiksZjsV ckaM@ih,l;w ckaM 13.42% 12.21% 15.64% 12.98%

fo'ks"k tek ;kstuk 0.06% 0.04% 0.06% 0.00%

chekdrkZ }kjk çcaf/kr fuf/k;k¡ 53.98% 64.11% 47.21% 58.60%

futh {ks= ds ckW.M 0.16% 0.22% 0.33% 0.42%

euh ekdsZV - -

dqy 100.00% 100.00% 100.00% 100.00%

¼jkf'k ` djksM+ esa½

XI. vxys o"kZ ds nkSjku va'knku isa'ku fuf/k minku jkf'k vftZr Nqêh

vxys o"kZ ds nkSjku va'knku ij m|e dk loksZPp vuqeku 1300 50 300

iii. vU; nh?kZdkyhu deZpkjh ykHk

cSad }kjk fu;qä Lora= chekadd }kjk chekafdd ewY;kadu ds vuqlkj nh?kZdkyhu deZpkjh ykHkksa ds fy, ` 48-43 djksM+ dh jkf'k ¼xr o"kZ ` 50-12 djksM+½ dk
çko/kku fd;k x;k gS rFkk bls ykHk ,oa gkfu ys[ks esa ÞdeZpkfj;ksa dks Hkqxrku vkSj muds fy, çko/kkuß 'kh"kZ ds rgr 'kkfey fd;k x;k gSA

o"kZ ds nkSjku fofHkUu nh?kZdkyhu deZpkjh ykHkksa gsrq cuk, x, çko/kku@¼vofyf[kr½ vfrfjä çko/kkuksa dk fooj.k%
¼jkf'k ` djksM+ esa½
la- nh?kZdkyhu deZpkjh ykHk 31/03/2022 31/03/2021
1. chekjh Nqêh 1.84 15.28
2. vkdfLed Nqêh 0.09 0.16
3. Nqêh ;k=k fj;k;r 46.50 34.68
dqy 48.43 50.12

¼jkf'k ` djksM+ esa½

01-04-2021 dks çkjafHkd 2021&22 2021&22 31-03-2022 dks

la- nh?kZdkyhu deZpkjh ykHk
'ks"k dk O;; dk t¨M+ vafre 'ks"k

1 chekjh Nqêh 22.66 3.04 4.87 24.49

2 vkdfLed Nqêh 0.87 0.38 0.48 0.97

3 Nqêh ;k=k fj;k;r 69.92 32.75 46.50 83.67

dqy 93.45 36.17 51.85 109.13

uksV% 'kkfey çdVhdj.k] chekadd }kjk miyC/k djkbZ xbZ lwpuk dh lhek rd lhfer gSA

cSad us fnukad 31-03-2022 dks lekIr o"kZ ds nkSjku X;kjgosa f}i{kh; le>kSrk ,oa 11 uoEcj 2020 ds la;qä uksV ds rgr vkusokys deZpkfj;ksa ds fy, ikfjokfjd
isa'ku esa la'kksèku ds dkj.k #-464-59 djksM+ dh laiw.kZ vfrfjä ns;rk çnku dh gSA ikfjokfjd isa'ku ds dkj.k rqyu&i= esa dksbZ ifj'kksfèkr O;; ugha gS A

- 124 -
15. laifÙk] la;a= vkSj midj.k ¼,,l&10½
vpy vkfLr;k¡
1.1. cSad ds ifjlj esa Hkwfe 'kkfey gS rFkk bls iwuewZY;kafdr jkf'k ij fy;k x;k gSA cSad us foRrh; o"kZ 2018&19 ds fy, vius ifjlj dk iquewZY;kadu
vuqeksnfr ckg~; ewY;kaddksa }kjk mfpr ckt+kj ewY; ij fd;k gSA ifjlj ds iqueZwY;kadu dh jkf'k esa ` 599-48 djksM+ dh o`f) gqbZ gS] ftls **iwuewZY;kadu
vkjf{kr [kkrs** esa tek fd;k x;kA o"kZ 2021-22 ds fy, O;; ds rgr ` 147-27 djksM+ dh jkf'k ¼fiNys o"kZ & ` 149-63 djksM+½ ewY;gzkl gsrq izHkkfjr
fd;k x;k rFkk vkSj ` 143-42 djksM+ dh jkf'k ¼fiNys o"kZ ` 142-87 djksM+½ dh iqueZwY;kafdr va'k ij ewY;ºzkl dks **iwuewZY;kadu vkjf{kr [kkrs** esa
lek;ksftr fd;k x;kA
1.2. fuEufyf[kr vkfLr;ksa ds fy, iathdj.k vkSipkfjdrk,a iwjh dh tkuh ckdh gSa%
ifjlj esa 8-38 djksM+ ¼foxr o"kZ ` 8-38 djksM+ ewY; dh 9 (7+2*) laifÙk;k¡½ ewY; dh 9 (7+2*) laifÙk;k¡ gSa ftudh ewy @ iqueZwY;kadu cqd oSY;w
` 66-74 djksM+ ¼foxr o"kZ & ` 59-74 djksM+½] fuoy ewY;ºzkl 1-46 djksM+ #i;s ¼foxr o"kZ ` 1-40 djksM+½ gS] ftlds fy, iathdj.k çfØ;k yafcr gSA

* ` 1-61djksM+ dh ykxr dh gSnjkckn esa laifÙk] tgka ;w,ylh çkfèkdj.k ds le{k eatwjh yafcr gS vkSj psUuS esa ` 2-32 djksM+ dh ykxr dh lEifÙk gS]
tgka Mhvkj,Vh us varfje jksd yxk;h gSA
16. iV~Vs ¼,,l 19½
,- iV~Vs@fdjk, vk/kkj ij yh xbZ ifjlaifRr;ksa ds laca/k esa] cSad ds fodYi ds vuqlkj mUgsa uohÑr@jn~n fd;k tk ldrk gSA
Ckh- cSad }kjk fd, x, iV~Vs djkj] vkil esa lger vof/k ds fy, gSa ftlesa fyf[kr :Ik ls lger dSys.Mj eghuksa dh uksfVl nsus ds tfj, iV~Vs dh vof/k ds
nkSjku Hkh mls lekIr fd;k tk ldrk gSA
Lkh- ifjpkyuxr iV~Vksa ds fy, çnRr iV~Vk fdjk, dks] ftl o"kZ ls lacfUèkr gS] mlh o"kZ esa ykHk ,oa gkfu ys[ks esa O;; ds :Ik esa igpkuk tkrk gSA orZeku
o"kZ ds nkSjku igpkuk x;k iV~Vk fdjk;k ` 417-00 djksM+ gSaA ¼foxr o"kZ & ` 440-41 djksM+ ½A
Mh- foÙk iêk
foÙk iês ij çkIr vkfLr esa la;a= ,oa miLdj vkSj Hkwfe 'kkfey gSaA iêksa dh ,d çkFkfed vofèk gksrh gS] tks fuf'pr vkSj xSj&jí gksrh gSA cSad ds ikl
f}rh;d vofèk ds fy, iês dks uohuh—r djus dk fodYi gSA
foÙk iêk ds rgr vko';d vkfLr;ksa ds lacaèk esa U;wure iês ds fdjk;s vkSj U;wure iês ds Hkqxrku dk orZeku ewY; fuEukuqlkj gSa%
17. xzkeh.k fodkl gsrq bafM;u cSad VªLV
22-09-2008 dks cSad }kjk xzkeh.k fodkl gsrq bafM;u cSad VªLV LFkkfir fd;k x;k gS tks xzkeh.k fodkl ij vuU; :i ls dsfUnzr /;ku nsrs gq, xzkeh.k {ks=ksa ds
fodkl esa leqnk; dh lgk;rk djus esa yxh gqbZ vU; fofHkUu laLFkkvksas@vfHkdj.kksa ds lkFk leUo; LFkkfir djsxk vkSj blh mís'; ls iwoZorÊ bykgkckn cSad esa

U;wure iês dk Hkqxrku U;wure iêk Hkqxrku dk orZeku ewY;

fooj.k 31 ekpZ 2022 dks 31 ekpZ 2021 dks 31 ekpZ 2022 dks 31 ekpZ 2021 dks
1 o"kZ ds iwoZ ns; 0 0 0 0

1 o"kZ ds ckn ,oa 5 o"kksZa ds iwoZ ns; 0 0 0 0

5 o"kksZa ds ckn ns; 0 0 0 0

dqy 0 0 0 0

de : Hkfo"; ds foÙkh; çHkkj

U;wure iêk Hkqxrku dk orZeku ewY; 0 0 0 0

bykgkckn cSad xzkeh.k fodkl U;kl ¼,chMhvkjVh½ dh LFkkiuk gqbZ FkhA

Hkkjr ljdkj dh vfèklwpuk ds vuqlkj] iwoZorÊ bykgkckn cSad dks 01-04-2020 ds çHkko ls bafM;u cSad ds lkFk lekesfyr x;k gSA
vkbZchVhvkjMh vkSj ,chMhvkjVh nksuksa ds U;kl [kkrksa dh fofèkor ys[kkijh{kk vgZrkçkIr lunh ys[kkdkjksa }kjk dh tkrh gS A bafM;u cSad VªLV Q‚j :jy
MsoyiesaV ¼vkbZchVhvkjMh½ vkSj bykgkckn cSad :jy MsoyiesaV VªLV ¼,chvkjMhVh½ ds lekesyu dh çfØ;k py jgh gS vkSj ,chVhvkjMh dh lHkh vkfLr;ksa vkSj
ns;rkvksa dks vkbZchVhvkjMh dks gLrkarfjr fd;k tk,xk A
orZeku esa vkbZchVhvkjMh vf[ky Hkkjrh; mifLFkfr ds lkFk dqy 37 xzkeh.k Lojkstxkj çf'k{k.k laLFkku ¼vkj,lbZVhvkbZ½] 42 foÙkh; lk{kjrk dsaæ ¼,Q,ylh½
vkSj 59 foÙkh; lk{kjrk dsaæ ¼lh,Q,y½ pyk jgk gSA
VªLV dh [kkrk cfg;ksa dh ys[kk ijh{kk dh tkrh gS vkSj ;g ys[kkijh{kk Lora= :i ls djus gsrq VªLV }kjk dks lunh ys[kkdkj dks fd;k tkrk gSA
- 125 -
o"kZ 2021&22 ds fy, vkbZchVhvkjMh dh vuafre vk; o O;; ¼jkf'k ` djksM+ esa½
çkfIr;ksa ds fooj.k
cSad ls çkIr va'knku 5.00

cSad ls çkIr fcfYMax fufèk 0.00

VªLV [kkrs esa çkjafHkd 'ks"k jkf'k ¼,chvkjMhVh lfgr½ 3.17

vftZr cSad C;kt 0.11

fofHkUu vfHkdj.kksa ls ÁkIr Áf'k{k.k ykxr dh ÁfriwfrZ 4.91

[kkrk can gksus vkSj vfrfjä 'ks"k jkf'k ds iqu% tek fd, tkus ds dkj.k ,Q+,ylh [kkrksa esa 'ks"k jkf'k ds :i esa iM+h 0.00
èkujkf'k dk ØsfMV cSd

dqy vk; 13.19

O;; ds fooj.k

o"kZ ds nkSjku O;; 10.10

Hkqxrku dh rqyuk esa çkfIr;ksa dh vfèkdrk 3.09

vafre 'ks"k

31-03-2021 dks cSad 'ks"k ¼,chvkjMhVh lfgr½ 3.09

fe;knh tek,¡ 11.40

ftlesa ls
ewy fuf/k 8.60

fcfYMax fufèk 2.80

18. fofèk

vkdfLed nsunkfj;ksa esa ,d [kkrk esllZ fuacl dE;qfuds'ku fyfeVsM 'kkfey gS] chlhlhvkbZ ds i{k esa dalksfVZ;e cSadksa }kjk xkjaVh tkjh dh xbZ FkhA chlhlhvkbZ

us dalksfVZ;e cSadksa ds f[kykQ xkjaVh ns;rk dk nkok djrs gq, eqdnek nk;j fd;kA eqdnes esa ` 400 djksM+ dk Hkqxrku djus ij cpko ds fy, l'krZ Nqêh nh xbZ

Fkh] ftlesa gekjk cSad fgLlk ` 100 djksM+ gSAgekjs cSad ds ` 100 djksM+ ds fgLls dk çs"k.k ekuuh; mPp U;k;ky; c‚Ecs ds çksVksuksVjh vkSj ofj"B ekLVj ds lkFk

fd;k x;k FkkA lkjka'k okn ekuuh; mPp U;k;ky; c‚Ecs ds le{k U;k;fu.kZ;u ds fy, yafcr gSA

chlhlhvkbZ }kjk cSad ds f[kykQ bl nkos ds fy,] 31@03@2022 dks lqj{kk ekftZu euh ds :i esa èkkfjr 80-22 djksM+ #i;s dh jkf'k dks è;ku esa j[krs gq,] cSad

}kjk 'vU; vkdfLedrkvksa ds fy, çkoèkku' en ds rgr çkoèkku ds :Ik esa ` 32-44 djksM+ 'vkdfLed fufèk & cSad ds f[kykQ fd, x, nkos' 'kh"kZ ds rgr çkoèkku

ds :Ik esa ` 15-32 djksM+ dh jkf'k] dqy çkoèkku dqy ` 47-76 djksM+ j[kk x;k gSA

- 126 -
19. ys[kk ekud & 17 **[kaM ifj.kke**

,- [kaM fuèkkZj.k

I. çkFkfed ¼dkjksckj [kaM½

cSad ds çkFkfed [kaM fuEufyf[kr gSa %&

- jktdks"k

- d‚ikZsjsV @ Fkksd cSafdax

- [kqnjk cSafdax

- vU; cSafdax O;olk;

cSad dh orZeku ys[kk vkSj lwpuk ç.kkyh mijksä [kaMksa ds lacaèk esa vyx&vyx ls MsVk çkIr djus vkSj fudkyus dk leFkZu ugha djrh gSA gkyk¡fd] orZeku
vkarfjd] laxBukRed vkSj çcaèku fjiksfVZax lajpuk vkSj muds tksf[ke vkSj foojf.k;ksa dh ç—fr ds vkèkkj ij] çkFkfed [kaMksa ds MsVk dh x.kuk fuEukuqlkj dh
xbZ gS%

I. jktdks"k &

jktdks"k [kaM esa laiw.kZ lafoHkkx fuos'k vkSj fons'kh eqæk lafonkvksa vkSj O;qRiUu lafonkvksa esa O;kikj 'kkfey gSA jktdks"k [kaM ds jktLo esa eq[;r% lafoHkkx
fuos'k ij O;kikj lapkyu vkSj C;kt vk; ls 'kqYd vkSj ykHk ;k gkfu 'kkfey gksrh gSA

ii. d‚ikZsjsV @ Fkksd cSafdax

d‚jiksjsV@Fkksd cSafdax [kaM esa d‚ikZsjsV [kkrk lewg] okf.kfT;d xzkgd lewg vkSj nckoxzLr vkfLr;ka ladYi lewg dh mèkkj xfrfofèk;ka 'kkfey gSaA buesa
d‚ikZsjsV vkSj laLFkkxr xzkgdksa dks _.k vkSj ysunsu lsok,a çnku djuk 'kkfey gS vkSj blds vykok fons'kh dk;kZy;ksa ds xSj&dks"kkxkj lapkyu 'kkfey
gSaA

iii. [kqnjk cSafdax

[kqnjk cSafdax [kaM esa [kqnjk 'kk[kk,¡] ftlesa eq[; :i ls cSafdax lacaèk j[kus okys d‚ikZsjsV xzkgdksa ds lkFk mèkkj xfrfofèk;ksa lfgr O;fäxr cSafdax
xfrfofèk;k¡ dh tkrh gSa] 'kkfey gSaA bl [kaM esa ,tsalh O;olk; vkSj ,Vh,e Hkh 'kkfey gSaA

iv. vU; cSafdax O;olk;

mijksä (i) ls (iii) ds varxZr oxÊ—r ugha fd, x, [kaMksa dks bl çkFkfed [kaM ds varxZr oxÊ—r fd;k x;k gSA

II. f}rh;d ¼HkkSxksfyd [k.M½

I. ns'kh ifjpkyu & Hkkjr esa lapkyu djus okyh 'kk[kk,¡ @ dk;kZy;

ii. fons'kh ifjpkyu & Hkkjr ds ckgj lapkyu djus okyh 'kk[kk,a@dk;kZy; vkSj Hkkjr esa lapkyu djus okyh vkWQ'kksj cSafdax bdkb;ka

III. O;;] vkfLr vkSj ns;rkvksa dk vkcaVu

d‚ikZsjsV dsaæ ds çfr"Bkuksa ij fd, x, O;; lhèks d‚ikZsjsV @ Fkksd vkSj [kqnjk cSafdax lapkyu ;k jktdks"k lapkyu [kaM ds fy, L=ksrtU; gSa] rnuqlkj
vkcafVr fd, tkrs gSaA O;;] lhèks rkSj ij L=ksrtU; ugha gS] mUgsa çR;sd [kaM esa [kaM vkfLr ds vuqikr ds vkèkkj ij ;k lhèks rkSj ij L=ksrtU; O;; esa
vkcafVr fd;k tkrk gSA cSad ds ikl dqN lkekU; vkfLr;ka vkSj ns;rk,a gSa] ftUgsa fdlh Hkh [kaM ds fy, L=ksrtud ugha Bgjk;k tk ldrk gS] vkSj mUgsa
vlac) ekuk tkrk gSA

- 127 -
ch- laoxhZdj.k lwpuk
Hkkx , % ÁkFkfed ¼dkjksckj laoxZ½ ¼jkf'k ` djksM+ esa½

Hkkx , dkiksZjsV @ [kqnjk vU; dqy

Vªs'kjh cSafdax cSafdax
Fkksd cSafdax

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

jktLo 13 767.26 13 573.27 16 082.40 17 708.42 15 415.12 13 021.62 506.89 452.66 45 771.67 44 755.97
ifj.kke 6 355.67 5 775.50 3 079.29 2 843.03 2 938.78 2 084.26 343.16 263.79 12 716.90 10 966.58
vukcafVr
O;; 9 512.67 8 061.00
ifjpkyuxr
ykHk 3 204.23 2 905.58
vYi la[;d
ds fgr 0.00 0.00
vU; xSj
vkcaVuh;
vk; 0.00 295.65
vk;dj
(740.59) (99.10)
viokn
Lo:i ensa 0.00 0.00
fuoy ykHk 3 944.82 3 004.68
vU;
tkudkjh
[k.Mh;
vkfLr;ka 2 40 001.83 2 09 281.25 2 15 377.81 2 33 418.56 2 06 008.16 1 71 257.10 0.00 0.00 6 61 387.80 6 13 956.91
vukcafVr
vkfLr;ka 10 280.25 9 469.75
dqy vkfLr;ka 6 71 668.05 6 23 426.66
[k.Mh;
ns;rk,a 2 24 383.64 1 96 386.55 2 01 362.03 2 19 036.66 1 92 602.11 1 60 705.23 0.00 0.00 6 18 347.78 5 76 128.44
vukcafVr
ns;rk,a 9 611.47 8 886.28
iwath]
vkjf{kfr;k¡
vkSj 43 708.80 38 411.94
dqy ns;rk,a 6 71 668.05 6 23 426.66

Hkkx ch & HkkSxksfyd [k.M

ns'kh varjkZ"Vªh; dqy

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

jktLo 45 463.98 44 428.72 307.69 327.25 45 771.67 44 755.97

vkfLr;ka 6 49 993.31 6 09 008.83 21 674.74 14 417.83 6 71 668.05 6 23 426.66

tgk¡ vko';d gqvk] fiNys o"kZ ds vk¡dM+ksa dks iqulZewfgr fd;k x;kA

- 128 -
20. lacaf/kr ikVhZ ÁdVhdj.k ¼, ,l 18½
lac) i{kksa ds uke rFkk cSad ds lkFk muds laca/k %
,½ vuq"kafx;ka %
i. baMcSad gkmflax fyfeVsM
ii. baMcSad epsZaV cSafdax lfoZlst fyfeVsM
ch½ lg;ksxh % ¼{ks=h; xzkeh.k cSad½
i). rfeyukMw xzke cSad
ii) lIrfxfj xzkeh.k cSad
iii) iqnqoS Hkkjfr;kj xzke cSad
lh½ la;qä m|e %
I) ;wfuolZy lkSEiks tujy ba';ksjsal daiuh fyfeVsM
ii) ,,lvkjbZlh ¼bafM;k½ fyfeVsM
Mh½ izeq[k Áca/kdh; dkfeZd
uke inuke fu;qfä dh frfFk lekfIr dh frfFk
lqJh in~etk pqUMw: “wriwoZ çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh 21.09.2018 01.09.2021

Jh 'kkafr yky tSu çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh 01.09.2021

Jh 'ks.k‚; foÜoukFk oh dk;Zikyd funs'kd 01.12.2018 01.04.2022

Jh ds jkepaæu “wriwoZ dk;Zikyd funs'kd 01.04.2020 01.07.2021

Jh bejku vehu flíhdh dk;Zikyd funs'kd 10.03.2021

Jh v’ouh dqekj dk;Zikyd funs'kd 21.10.2021

bZ½ xSj dk;Zikyd funs'kdksa dh 'ks;j /kkfjrk %

Øekad xSj dk;Zikyd funs'kd dk uke inuke /kkfjr bZfDoVh 'ks;jksa dh la[;k
1 M‚- Hkjr Ñ".k 'kadj 'ks;j/kkjd funs'kd 300
2 lqJh ikfi;k lsuxqIrk 'ks;j/kkjd funs'kd 200
lacaf/kr ikVhZ ysunsu fuEufyf[kr gS %
Áeq[k Áca/kdh; dkfeZdksa dks o"kZ ds nkSjku ` 172-37 yk[k ikfjJfed ds :i esa Hkqxrku fd, x, gSa ¼xr o"kZ ` 102-52 yk[k½
fooj.k 2021-2022 2020-2021
lqJh in~etk pqUMw:] ,eMh ,oa lhbZvks
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-08-2021½ ` 40.30 yk[k ` 30.46 yk[k
Jh 'kkafr yky tSu] ,eMh ,oa lhbZvks
çnRr osru vkSj ikfjJfed ¼01-09-2021 ls 31-03-2022½ ` 20.27 yk[k –
Jh ,e ds HkV~Vkpk;Z] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-03-2022½ `18.16 yk[k
Jh 'ks.k‚; foÜoukFk oh] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-03-2022½ ` 32.76 yk[k ` 26.22 yk[k
Jh ds jkepUnzu] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 30-06-2021½ ` 30.19 yk[k ` 26.21 yk[k
Jh bejku vehu flíhdh] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-03-2022½ ` 30.00 yk[k ` 1.47 yk[k
Jh v’ouh dqekj] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-10-2021 ls 31-03-2022½ ` 18.85 yk[k* --

*edku fdjk;k HkÙkk lfgr ` 5-11 yk[kA

- 129 -
lacafèkr i{kdkjksa ls lacafèkr vU; çdVhdj.k fuEukuqlkj gSa
¼jkf'k ` djksM+ esa½

en@lacafèkr i{kdkj Lokeh ¼LokfeRo ;k fu;a=.k ds vuqlkj½ la;qä m|e dqy

lsok,a çnku fd;k tkuk 1528.82* 26.16 1528.82*

lsok,a çkIr fd;k tkuk 26.16 1528.82* 26.16

*blesa bafM;u cSad dh chek i‚fyfl;ksa ls lacafèkr cSad ds la;qä m|e] ;qfuolZy lksEiks tujy b';wjsal da- fyfeVsM ls çkIr #-1384-52 yk[k deh'ku vk; 'kkfey gSA

ys[kk ekud ¼,,l½ 18 ds iSjkxzkQ 9 ds vuqlkj "jkT;&fu;af=r m|e" ls lacafèkr i{kksa ds lacaèk esa fdlh çdVhdj.k dh vko';drk ugha gSA vkxs] ,,l 18 ds iSjkxzkQ 5
ds vuqlkj] ysunsu cSadj&xzkgd lacaèk dk çdVhdj.k ugha fd;k x;k gS] ftlesa çeq[k çcaèku deZpkjh vkSj çeq[k çcaèku deZpkjh ds fj'rsnkj 'kkfey gSaA

21. çfr 'ks;j vtZu ¼,,l 20½

fooj.k 2021-22 2020-21

bZfDoVh 'ks;j /kkjdksa gsrq miyC/k dj ds Ik'pkr fuoy ykHk ¼` djksM+ esa½ 3944.82 3004.68

bZfDoVh 'ks;jksa dh la[;k 1245441139 1129366570

bZfDoVh 'ks;jksa dh Hkkfjr la[;k 1218410075 1129366570

çfr 'ks;j ewy vtZu ¼` esa½ 32.38 26.61

de dh xbZ vk; çfr 'ks;j vk; ¼` esa½ 32.38 26.61

çfr bZfDoVh 'ks;j vafdr ewY; ¼` esa½ 10.00 10.00

22. vk; ij djksa ds fy, ys[kkadu ¼,,l 22½

,½ orZeku dj% pkyw o"kZ ds nkSjku] iwoZorÊ bykgkckn cSad ds lafpr ?kkVs dks ns[krs gq,] cSad us ns'kh ifjpkyu ds fy, vk;dj dk çkoèkku ugha fd;k gSA pkyw
o"kZ ds nkSjku fons'kh 'kk[kkvksa esa ` 12-85 djksM+ ds vk;dj dk çkoèkku fd;k x;k gSA pkyw o"kZ esa fd, x, iwoZorÊ o"kksZa ls lacafèkr fons'kh 'kk[kkvksa ij dj dk
çkoèkku ` 275 djksM+ gSA ns'kh ifjpkyu ds fy, orZeku dj dh x.kuk vk;dj vfèkfu;e 1961 ds çkoèkkuksa ds vuqlkj dh xbZ gSA

ch½ vkLFkfxr dj% cSad ds ikl ` 3872-91 djksM+ dk fuoy vkLFkfxr dj vkfLr gS ¼foxr o"kZ ` 2844-49 djksM+ dk fuoy vkLFkfxr dj vkfLr½] ftlesa 'vU;
ns;rkvksa vkSj çkoèkkuksa' ds rgr 'kkfey ` 977-15 djksM+ dh LFkfxr dj ns;rk,a ¼MhVh,y½ ¼foxr o"kZ ` 949-89 djksM+½ 'kkfey gSa vkSj vkLFkfxr dj
vkfLr;ka ¼MhVh,½ ` 4850-06 djksM+ ¼foxr o"kZ ` 3794-38 djksM+½ ds rgr 'kkfey gSA

- 130 -
MhVh, ¼vLFkfxr dj vkfLr;k¡½ @ MhVh,y ¼vLFkfxr dj ns;rk,¡½ ds eq[; la?kVd fuEu çdkj gSa %
¼jkf'k ` djksM+ esa½

Øe la fooj.k 31.03.2022 31.03.2021

vkLFkfxr dj vkfLr;ka
1 Hkqxrku@fØLVykbts'ku ij vuqes; ns;rkvksa dk Áko/kku 219.35 208.53

2 ,Q+lhVhvkj ¼fons'kh eqæk ysunsu fjtoZ½ 99.08 105.29

3 minku ds fy, çko/kku 0.06 0.09

4 v'kks/; _.kksa ds fy, çko/kku 3856.25 3076.11

5 iqulZajfpr vkfLr;ksa] ,D;qvkj] ,l4,] nckoxzLr vkfLr;ksa ds fy, çko/kku 588.06 328.67

6 fLFkj vkfLr;ksa ij ewY;ºzkl 87.26 75.69

dqy&MhVh, 4850.06 3794.38

vkLFkfxr dj ns;rk,¡
1 fLFkj vkfLr;ksa ij ewY;ºzkl 44.40 44.41

2 cV~Vs [kkrs fy[ks x;s [kkrksa gsrq çko/kku 363.15 363.15

3 LVkQ dY;k.k çfriwfrZ 4.11 4.11

4 vk;dj vf/kfu;e 1961 dh @ /kkjk 36(i)(viii) ds varxZr fo'ks"k vkj{k.k 565.49 538.22

dqy & MhVh,y 977.15 949.89

fuoy MhVh, @ ¼MhVh,y½ 3872.91 2844.49

lh½ o"kZ ds fy, vk;dj dk çkoèkku ¼jkf'k ` djksM+ esa½

fooj.k 2021-22 2020-21

djkèkku ds fy, çkoèkku ¼vkLFkfxr dj lfgr vk;dj½ -740.59 -99.10

fnukad 31-03-2022 dks Hkqxrku dh xbZ fookfnr vk;dj ekax ` 3953-36 djksM+ ¼foxr o"kZ ` 3953-36 djksM+½ FkhA bls fnukad 31-03-2022 rd fookfnr dj ekeyksa ls
lacafèkr ` 9187-03 djksM+ ¼foxr o"kZ ` 7584-17 djksM+½ ds vk;dj ls lacafèkr vkdfLed nsunkfj;ksa ds rgr Hkh 'kkfey fd;k x;k gSA U;kf;d ?kks"k.kkvksa vkSj cSad ds vius
ekeys esa vuqdwy fu.kZ;ksa ds dkj.k mä fookfnr ekaxksa ds fy, dksbZ çkoèkku vko';d ugha ekuk tkrk gS flok; fons'kh 'kk[kkvksa ls lacafèkr vk; ds ekeys esa igys dh
vofèk ds fy, ` 275 djksM+ dh jkf'k ftlds fy, cSad us pkyw o"kZ ds nkSjku çnku fd;k gSA

23. la;qä m|eksa esa fgrksa dh foÙkh; fjiksfVZax ¼,,l&27½

fuos'k esa 'kkfey ` 142-50 djksM+ ¼fiNys o"kZ ` 142-50 djksM+½ fuEufyf[kr la;qä fu;af=r laLFkkvksa esa cSad ds fgr dks n'kkZrk gS %
'ks;jèkkfjrk dh jkf'k
laLFkk dk uke ns'k@fuokl lacaèk LokfeRo fgr ¼` djksM+ esa½
;qfuolZy lksEiks tujy ba';ksjsal da-fy- Hkkjr la;qä m|e 28.52% 105.00
,,lvkjbZlh ¼bafM;k½ fy- Hkkjr la;qä m|e 38.26% 37.50
,,l 27 ds vuqlkj] la;qä :i ls fu;af=r laLFkkvksa esa cSad ds fgrksa ls lacafèkr vkfLr;ksa] ns;rkvksa] vk;] O;;] vkdfLed ns;rkvksa vkSj çfrc)rkvksa dh
dqy jkf'k fuEukuqlkj çdV dh xbZ gS%

- 131 -
 ¼jkf'k ` djksM+ esa½

fooj.k 31.03.2022 31.03.2022

ns;rk,a
iwath ,oa vkjf{kr fufèk;k¡ 391.69 349.28
tek 0.00 -
mèkkj 8.54 28.44
vU; ns;rk,¡ vkSj çkoèkku 1174.50 1032.28
dqy 1574.73 1410.00
vkfLr;ka
vkjchvkbZ ds ikl udn vkSj 'ks"k jkf'k 0.05 0.09
cSadksa esa 'ks"k jkf'k vkSj ekax vkSj vYi lwpuk ij çfrns; jkf'k 30.40 22.72
fuos'k 1146.12 1109.29
vfxze 0 -
vpy vkfLr;ka 11.37 12.88
vU; vkfLr;ka 386.79 264.99
dqy 1574.73 1410.00
iwath çfrc)rk,a -
vU; vkdfLed ns;rk,a 48.05 48.58
vk;
vftZr C;kt 6.04 3.73
vU; vk; 478.41 452.68
dqy 484.45 456.41
O;;
O;; fd;k x;k C;kt 2.36 1.36
ifjpkyu O;; 420.65 434.74
çkoèkku vkSj vkdfLedrk,a 17.63 5.28
dqy 440.64 441.38
ykHk 43.81 15.03

24. vkfLr;ksa dh gkfu ¼,,l&28½%

cSad çcaèku ds fopkjkuqlkj] o"kZ ds nkSjku vkfLr;ksa esa gkfu dk dksbZ ladsr ugha gS] ftl ij ys[kk ekud 28 & "laifÙk dh gkfu" ykxw gksrk gSA
25. çkoèkku] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka ¼,,l&29½ % ¼jkf'k ` djksM+ esa½
fooj.k fnukad 01-04-2021 o"kZ ds nkSjku çkoèkku okilh @ fnukad 31-03-2022
dks vFk 'ks"k fd, x, çkoèkku lek;ksftr dks vafre 'ks"k
vLoh—r _.k ds fy, cSad 206.25 9.66 0 215.91
ds fo:) nkos ds fy, çkoèkkuksa
dk lapyu

26. vU; çdVhdj.k

¼jkf'k ` djksM+ esa½
,½ dkjksckj vuqikr
fooj.k orZeku o"kZ foxr o"kZ
(I) dk;Z'khy fufèk;ksa ds çfr'kr ds :i esa C;kt vk; 33 6.21 6.56
(ii) xSj&C;kt vk; ofdZax QaM~l ds çfr'kr ds :i esa 35 1.11 0.95
(iii) tek dh ykxr 3.97 4.44
(iv) 'kq) C;kt ekftZu 34 2.93 2.81
(v) dk;Z'khy fufèk;ksa ds çfr'kr ds :i esa ifjpkyu ykHk 35 2.03 1.84
(vi) laifÙk ij okilh 35 0.63 0.50

vii) O;kikj ¼tek vkSj vfxze½ çfr deZpkjh 36 ¼` djksM+ esa½ 25.20 22.17

viii) çfr deZpkjh ykHk ¼` djksM+ esa½ 0.10 0.07

- 132 -
 1foÙkh;o"kZ ds 12 eghuksa ds nkSjku okf.kfT;d cSadksa ds fy, Q‚eZ X vkSj 'kgjh lgdkjh cSadksa ds fy, Q‚eZ IX esa Hkkjrh; fjtoZ cSad dks fjiksVZ dh xbZ dqy laifÙk
¼lafpr gkfu;ksa dks NksM+dj] ;fn dksbZ gks½ ds vkSlr ds :i esa x.kuk dh tkus okyh dk;Z'khy fufèkA
2fuoy C;kt vk;@vkSlr dekbZ okyh laifÙkA fuoy C;kt vk; ¾ C;kt vk;&C;kt O;;

3vkfLr;ksa ij çfrykHk vkSlr dk;Z'khy fufèk;ksa ¼vFkkZr lafpr gkfu;ksa dks NksM+dj dqy laifÙk] ;fn dksbZ gks½ ds lanHkZ esa gksxkA

4çfr deZpkjh O;olk; ¼tek vkSj vfxze½ dh x.kuk ds ç;kstu ds fy,] varj&cSad tek dks 'kkfey ugha fd;k tk,xkA

* vkSlr dekbZ okyh laifÙk vkSj vkSlr tekjkf'k;ksa dh x.kuk 52 lkIrkfgd 'kqØokj ds vkSlr ds vkèkkj ij dh tkrh gSA
ch½ cSad ,';wjsUl dkjksckj
cSad }kjk fofHkUu cSad ,';qjsal@E;qPoqvy ,aM mRiknksa dh fcØh@foi.ku ij fiNys o"kZ izkIr ` 63-97 djksM+ dh vk; ds lkis{k orZeku o"kZ esa vuftZr deh'ku
vk; ` 85-01 djksM+ gSA
¼jkf'k ` djksM+ esa½
Øe la vk; dh ç—fr 2021-22 2020-21

1 thou chek i‚fylh cspus ds fy, 56.22 38.44

2 xSj&thou chek i‚fyfl;ksa dks cspus ds fy, 26.42 24.56

3 vU; & E;wpqvy QaM mRikn cspus ds fy, 2.37 0.98

dqy 85.01 63.98

lh½ foi.ku vkSj forj.k

cSad vU; laLFkkvksa ¼cSad ,';wjsal dkjksckj ds rgr mRiknksa ds vykok½ ds fdlh Hkh mRikn dk foi.ku vkSj@;k forj.k ugha djrk gSA blfy,] cSad us mä
xfrfofèk;ksa ls dksbZ 'kqYd@ikfjJfed vftZr ugha fd;k gSA
Mh½ çkFkfedrk&çkIr {ks= mèkkj çek.ki= ¼ih,l,ylh½ ds lacaèk esa çdVhdj.k
o"kZ ds nkSjku csph vkSj [kjhnh xbZ ih,l,ylh ¼Js.kh&okj½ dh jkf'k dk çdVhdj.k fd;k tk,xkA
¼jkf'k ` djksM+ esa½
Øe la ih,l,ylh Js.kh [kjhn dh fLFkfr fcØh dh fLFkfr
bdkb;ksa jkf'k bdkb;ksa jkf'k
dh la[;k dh la[;k
1 ih,l,ylh —f"k 0 0.00 19800 4950

2 ih,l,ylh y?kq vkSj lhekar fdlku 0 0.00 52720 13180

3 ih,l,ylh lkekU; 0 0.00 66800 16700

4 ih,l,ylh lw{e 0 0.00 0 0

dqy 0 0 139320 34830

bZ½ çkoèkku vkSj vkdfLedrk,a ¼jkf'k ` djksM+ esa½

ykHk vkSj gkfu [kkrs esa MsfcV fd;k x;k çkoèkku 2021-22 2020-21

I) ,uihvkbZ ds fy, çkoèkku 110.51 -1.39

ii) ,uih, ds fy, çkoèkku 8446.60 7318.46

iii) vk;dj ds fy, fd;k x;k çkoèkku -740.59 -99.10

iv) vU; çkoèkku vkSj vkdfLedrk,a ¼fooj.k ds lkFk½

1. ekud vfxze 961.57 469.40

2. iqujZfpr vfxze 3.78 -1.68

3. vU; -9.79 276.22

dqy 8772.08 7961.91

,Q+½ vkbZ,Qvkj,l vfHklj.k Hkkjrh; ys[kk ekudksa dk dk;kZUo;u ¼baM ,,l½

I. Hkkjrh; fjtoZ cSad ds vius i= Mhchvkj-chih-chlh-la-76@21-07-001@2015&16 fnukad 11-02-2016 ds funs'kksa ds vuqlkj] cSad] 1 vçSy 2018 ls çkjaHk
gksus okyh okyh ys[kk vofèk ds fy, 31 ekpZ 2018 dks lekIr iwoZorÊ vofèk ds rqyukRed vkadM+ksa ds lkFk LVSaMvyksu vkSj lesfdr foÙkh; fooj.kksa ds
fy, baM&,,l dk vuqikyu djsaxsA
- 133 -
 II. vkjchvkbZ us cSadksa dks 30-09-2016 dks lekIr Nekgh ds fy, baM&,,l ds vuqlkj 01-04-2016 ds :i esa laØe.k frfFk ds lkFk çksQkekZ foÙkh; fooj.k
rS;kj djus dh lykg nh vkSj bls rS;kj fd;k x;k vkSj vkjchvkbZ dks çLrqr fd;k x;kA blh çdkj 30-06-2017 dks lekIr frekgh ds fy, baM&,,l
foÙkh; çksQkekZ Hkh vkjchvkbZ dks çLrqr fd;k x;k FkkA
III. rRi'pkr~ vkjchvkbZ us lykg nh fd cSad 30 twu 2018 dks lekIr frekgh ls 'kq: gksus okyh çR;sd frekgh ds fy, baM&,,l çksQkekZ foÙkh; fooj.k
çLrqr djsaA bldk fofèkor ikyu fd;k x;k gSA
IV. foÙkh; o"kZ ls 2021&22 ds ckn] vkjchvkbZ us lykg nh fd baM&,,l çksQkekZ foÙkh; fooj.k çLrqr djus dh vko`fÙk frekgh ls ?kVkdj vèkZokf"kZd dj nh
tk,A mlh dk vuqikyu fd;k x;k gSA cksMZ dh ys[kk ijh{kk lfefr vkSj funs'kd eaMy dks le;&le; ij bl lacaèk esa çxfr ls voxr djk;k x;k gSA
V. vkjchvkbZ dh vfèklwpuk Mhchvkj-chih-chlh-la-29@21-07-001@2018&19 fnukad 22 ekpZ 2019 ds vuqlkj] cSadksa esa baM ,,l ds dk;kZUo;u dks vxyh
lwpuk rd ds fy, Vky fn;k x;k gSA gkykafd] Hkkjrh; fjtoZ cSad dks baM ,,l foÙkh; çksQkekZ çLrqr djuk tkjh j[kk x;k gS vkSj cSad bldk vuqikyu
dj jgk gSA
th½ MhvkbZlhthlh chek çhfe;e dk Hkqxrku ¼jkf'k ` djksM+ esa½

Øe la fooj.k 2021-22 2020-21

I) MhvkbZlhthlh chek çhfe;e dk Hkqxrku 683.68 629.47

ii) MhvkbZlhthlh çhfe;e ds Hkqxrku esa cdk;k 0.00 0.00

,p½ 31 ekpZ] 2022 dks lekIr o"kZ ds nkSjku] cSad us ` 1650 djksM+ dh bfDoVh iwath DokfyQkbM baLVhVîw'kal IyslesaV ds ekè;e ls 142-15 #i;s çfr bfDoVh 'ks;j
ds b';w ewY; ij tqVkbZ gS] ftlesa ` 132-15 çfr bfDoVh 'ks;j dk çhfe;e Hkh 'kkfey gSA
D;wvkbZih ds rgr ` 10 ds vafdr ewY; ds 11]60]74]569 u, bfDoVh 'ks;jksa ds vkcaVu ds ckn] cSad ds dqy çnÙk 'ks;j 112]93]66]570 ls c<+dj
124]54]41]139 gks x,A rnuqlkj] foÙk o"kZ 2020&21 ds fy, cSad dh ykHkka'k jkf'k ` 225-87 djksM+ ls c<+dj ` 249-09 djksM+ gks xbZA ` 23-22 djksM+
dh vfrfjä jkf'k foÙk o"kZ 2020 ds fy, ykHk vkSj gkfu [kkrs esa 'ks"k jkf'k ls varfjr dh tk,xhA ykHkka'k ds Hkqxrku ds fy, cSad }kjk fuèkkZfjr fjd‚MZ frfFk
09-07-2021 FkhA
vkbZ½ fofoèk vk; esa 'kkfey vkbVe tks dqy vk; ds 1% ls vfèkd gSA
fooj.k 2021-22 2020-21

çlaLdj.k 'kqYd 574.42 526.25

v'kksè; _.kksa ls olwyh 1611.69 617.50

ih,l,ylh vk; 570.63 410.23

ts½ ys[kk lek/kku ,oa lek;kstu

I. varj 'kk[kk ys[kksa dk ys[kk lek/kku 31-03-2022 rd iwjk fd;k tk pqdk gSA vkbZchth, esa cdk;k iqjkuh çfof"V;ksa ds fuiVku ds fy, fofHkUu dkjxj mik;ksa ds
}kjk cSad us mlesa i;kZIr deh yk;h gSA rRi'pkr~ 'ks"k cdk;k çfof"V;ksa ds lek;kstu dk dk;Z çxfr ij gSA çca/ku ds vuqlkj] 01-03-2009 ls igys dh vofèk ls
lacafèkr ` 4-86 djksM+ dh dqy ewY; dh 5747 vkbZchth, ØsfMV çfof"V;ka cdk;k gSaA
II. fnukad 31-03-2022 dks varj 'kk[kk [kkrk cdk;k esa 6 eghus ls vf/kd vof/k ds fy, ys[kk lek/kku ugha dh xbZ çfof"V;ksa ds laca/k esa fuoy tek fLFkfr dks ns[krs
gq, fdlh çko/kku dh t:jr ugha gSA
III. ns; MªkQ~Vksa] lek'kks/ku lek;kstu] fofo/k çkI; jkf'k;ksa] fofo/k tek [kkrksa vkfn esa rFkk Hkkjrh; fjt+oZ cSad ,oa vU; cSadksa ls lacaf/kr cSad ys[kk lek/kkuksa esa iqjkuh
cdk;k çfof"V;ksa ds leqfpr lek;kstu ds fy, fu;fer leh{kk dh tk jgh gSA
IV. dqN 'kk[kkvksa esa vuq"kaxh cfg;ksa@jftLVjksa dk rqyu vkSj lkekU; cfg;ksa ds lkFk ys[kk lek/kku dk dk;Z tkjh gSA çca/ku ds erkuqlkj] [kkrksa ij mi;qZDr fo"k;ksa
dk ifj.kkeh çHkko cgqr T;knk ugha gksxkA
V. cSad ds ikl miyC/k tkudkjh ds vuqlkj] cSad }kjk igpkuh xbZ ,e,l,ebZ bdkb;ksa dks cSad }kjk ns; ,slh cdk;k jkf'k;k¡ ugha gSa tks ,e,l,ebZMh vf/kfu;e]
2006 esa fu/kkZfjr le; lhek ls vf/kd vof/k ds fy, yafcr gS vkSj ,slh ikfVZ;ksa ds laca/k esa ewYk jkf'k vkSj@;k ml ij C;kt ds foyac ls fd, x, Hkqxrkuksa ds
fy, ekuh x;h ns;rk ds laca/k esa fjiksVZ fd;s x;s dksbZ ekeyk ugha gSaA
ds- foŸkh; o"kZ 2021&22 d¢ fy, cSad }kjk 6-50 Áfr bfDoVh 'ks;j ;kuh pqdrk iwath ij 65% dk ykHkka'k ÁLrkfor gSA
,y- tgka Hkh vko';d gks] pkyw o"kZ ds vkadM+ksa ds vuq:Ik cukus ds fy, fiNys o"kZ ds vkadM+ksa dks iqu% oxhZÑr fd;k x;k gSA

- 134 -
 Lora= ys[kkijh{kd dh fjiksVZ
lsok esa]

bafM;u cSad ds lnL;x.k

LVSaMvyksu foÙkh; fooj.kksa dh ys[kkijh{kk ij fjiksVZA

vfHker

1. geus bafM;u cSad ds layXu LVSaMvyksu foÙkh; fooj.kksa dk ys[kk&tks[kk fd;k gS] ftlesa 31 ekpZ] 2022 dk rqyu&i=] blh o"kZ dh lekfIr ij ykHk vkSj gkfu ys[ks ds
fooj.k o udnh izokg fooj.k ,oa eq[; ys[kkadu uhfr;ksa ds lkj o fuEufyf[kr dh rkjh[k ij lekIr o"kZ ds fjVUlZ dks lekfgr dh gqbZ vU; O;k[;kRed lwpuk lfgr
LVSa.Mvyksu foÙkh; fooj.kksa dh fVIif.k;ksa dks 'kkfey fd;k x;k gS %

i. gekjs }kjk dsaæh; dk;kZy; vkSj mlds foHkkx] jktdks"k 'kk[kk vkSj 20 Hkkjrh; 'kk[kk,a ys[kk ijhf{kr gSa a(

ii. lacaf/kr lkafof/kd 'kk[kk ys[kkijh{kdksa }kjk 2102 Hkkjrh; 'kk[kkvksa ¼thvkbZ,Q+Vh flVh 'kk[kk lfgr½ dh ys[kk ijh{kk dh xbZ vkSj

iii. LFkkuh; ys[kk ijh{kdksa }kjk 3 fons'kh 'kk[kkvksa dh ys[kk ijh{kk dh xbZA

gekjs }kjk vkSj vU; ys[kk ijh{kdksa }kjk ftu 'kk[kkvksa dh ys[kk ijh{kk dh xbZ] mudk p;u cSad us Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj fd;k gSA lkFk gh]
rqyui=] ykHk o gkfu ys[kksa] udnh çokg esa ,slh 3974 'kk[kkvksa vkSj 1 fons'kh 'kk[kk dh foojf.k;k¡ Hkh 'kkfey dh xbZ gSa tks ys[kk ijh{kk ds v/khu ugha FkhaA os 'kk[kk,¡
ftudk ys[kk&ijh{k.k ugha gqvk muds ikl cSad dk 19.95% vfxze] 44.98% tek,¡] 11.50% C;kt vk; ,oa 43.06% C;kt O;; gSA

2- gekjh jk; esa] gekjh Js"Bre tkudkjh rFkk gesa fn, x, Li"Vhdj.kksa ds vuqlkj mijksDr LVSaMvyksu foÙkh; ifj.kke] cSad ds fy, vko';d rjhds ls ,oa Hkkjr esa vke
rkSj ij Loh—r ys[kkadu fl)karksa dh iqf"V djrs gq,] cSaddkjh fofu;eu vf/kfu;e] 1949 }kjk visf{kr lwpuk dks iznku djrs gSa ,oa %

d½ rqyu i=] fVIif.k;ksa lfgr 31 ekpZ] 2022 dks cSad ds ekeyksa dk lgh vkSj fu"i{k –f"Vdks.k iznku djus dh –f"V ls rS;kj fd;k x;k gSA

[k½ ml frfFk dks lekIr o"kZ ds fy, lesfdr ykHk vkSj gkfu fooj.k ds ekeys esa ykHk dk lgh 'ks"k vkSj

x½ lesfdr udnh izokg fooj.k ml frfFk dks lekIr o"kZ ds fy, udnh izokg dk lgh vkSj fu"i{k –f"Vdks.k n'kkZrs gSA

vfHker dk vk/kkj

3- geus viuh ys[kk ijh{kk Hkkjrh; lunh ys[kkdkj laLFkku ¼"vkbZlh,vkbZ"½ }kjk tkjh v‚fMfVax ij ekudksa ¼,l,½ ds vuqlkj lapkfyr dh gSA mu ekudksa ds rgr gekjh
ftEesnkfj;ksa dks gekjh fjiksVZ ds LVSaMvyksu foÙkh; fooj.kksa dh ys[kkijh{kk gsrq ys[kkijh{kd dh ftEesnkfj;ksa vuqHkkx esa vkxs of.kZr fd;k x;k gSA Hkkjrh; lunh
ys[kkdkj laLFkku }kjk tkjh uSfrd vkpkj lafgrk o lkFk gh uSfrd vis{kk,a tks foÙkh; fooj.kksa ds gekjs v‚fMV ds fy, çklafxd gSa ds vuqlkj ge cSad ls Lora= gSa vkSj
geus viuh vU; uSfrd ftEesnkfj;ksa dks bu vko';drkvksa vkSj vkpkj lafgrk ds vuqlkj iwjk fd;k gSA ge ekurs gSa fd geus tks ys[kk ijh{kk lk{; çkIr fd, gSa] os
gekjh jk; ds fy, vk/kkj çnku djus ds fy, i;kZIr vkSj mi;qä gSaA

ekeys dk egRo

ge fuEufyf[kr ij /;ku vkdf"kZr djrs gSa %

4- LVSaMvyksu foÙkh; fooj.kksa dh vuqlwph 18 dh uksV la[;k 4 ¼,y½ tks Hkfo"; ds O;kikj vkSj foÙkh; ifj.kkeksa ij dksfoM&19 (COVID 19) dh otg ls mRiUu
vfuf'prrkvksa ds çHkko rFkk ekStwnk fLFkfr esa mlds çca/ku ds ewY;kadu] ekStwnk vfuf'prrkvksa ls mRiUu pqukSfr;ksa ds lanHkZ esa çca/ku bu vfuf'prrkvksa ds çHkko dk
ewY;kadu djus dh çfØ;k esa gSA

mijksä ekeyksa ds laca/k esa gekjh jk; esa dksbZ cnyko ugha fd;k x;k gSA

çeq[k ys[kkijh{kk rF;

5- çeq[k ys[kkijh{kk rF; os rF; gSa] tks gekjs is'ksoj fu.kZ; esa] 31 ekpZ 2022 dks lekIr o"kZ ds fy, LVSaMvyksu foÙkh; fooj.kksa dh gekjh ys[kkijh{kk esa lcls egRoiw.kZ FksA
bu rF;ksa ij LVSaMvyksu foÙkh; fooj.kksa dh gekjh ys[kkijh{kk ds lanHkZ esa vkSj ml ij viuh jk; cukus esa lexz :i ls ppkZ dh xbZ Fkh] blfy, bu rF;ksa ij ge vyx
ls jk; çnku ugha djrs gSaA

geus uhps of.kZr rF;ksa dks viuh fjiksVZ esa laçsf"kr fd, tkusokys çeq[k ys[kkijh{kk rF; ds :i esa fu/kkZfjr fd;k gS %

371 -
- 135
Ø- çeq[k ys[kkijh{kk rF; ys[kkijh{kk esa eq[; ys[kkijh{kk rF; dks fdl :i esa Lohdkj fd;k x;k Fkk
la-
1. vfxzeksa dk oxhZdj.k] vk; dh igpku] vutZd vfxzeksa dh fu;a=.k ds ijh{k.k
igpku vkSj çko/kku ¼uksV ns[ksa½
_.kksa dh Loh—fr] vfHkys[k vkSj fuxjkuh] vfrns; _.kksa dh fuxjkuh çfØ;k] çko/kkuksa dh
x.kuk] ,uih, [kkrksa dh igpku vkSj çR;korZu vk; ls lacaf/kr çeq[k vkarfjd fu;a=.kksa ds
cSad dk fuoy vfxze dqy laifÙk dk 57.94% gS] tks LVSaMvyksu
fMtkbu] dk;kZUo;u vkSj lapkyu çHkko'khyrk dk vkdyu] rFkk çca/ku lwpuk ¼vfrns;
foÙkh; fooj.kksa dk egRoiw.kZ fgLlk gSA fjiksVZ lfgr½ dh fo'oluh;rk dk vkdyuA

vk; dh igpku vkSj vkfLr oxhZdj.k ¼vkbZvkj,lh½ laca/kh Hkkjrh; oLrqijd ijh{k.k
fjtoZ cSad ds ¼vkjchvkbZ½ fn'kkfunsZ'kksa esa vutZd vkfLr;ksa _.k [kkrksa dk uewuk ftlesa cM+s @ nckoxzLr vfxze 'kkfey Fks vkSj gesa vkcafVr 'kh"kZ
¼,uih,½ dh igpku vkSj oxhZdj.k ds fy, foosdiw.kZ ekunaM vkSj 'kk[kkvksa esa uewuk vk/kkj ij dqN vU; vfxze fy, x, Fks] rFkk ,sls uewuksa esa geus
,slh vkfLr;ksa ds fy, vko';d U;wure çko/kku fu/kkZfjr fd, fuEufyf[kr tkap dh%
tkrs gSaA l vk; dh igpku ds fy, flLVe esa MsVk buiqV dh lVhdrk vkSj vtZd ;k vutZd
vfxze ds :i esa igpkuA
vtZd vkSj vutZd vfxzeksa dh igpku esa mfpr i)fr;ka 'kkfey
gSA cSad ds vfxzeksa ls lacaf/kr lHkh ysunsu dk C;kSjk mldh lwpuk l p;fur vtZd vfxzeksa dk oxhZdj.k lgh <ax ls fd;k x;k Fkk ;k ugha ;g tkuus ds
fy, Lora= :i ls ewY;kadu fd;k x;kA
çkS|ksfxdh ç.kkfy;ksa ¼vkbZVh flLVe½ esa gS tks vfxze ds vtZd ;k
vutZd gksus dh fLFkfr dks fpfàr] mlds ,uih, oxhZdj.k vkSj l bu ikfVZ;ksa ds ckjs esa miyC/k LVSaMvyksu foÙkh; fooj.kksa] laik'foZd ewY;kadu vkSj vU;
çko/kku dh x.kuk Hkh djrk gSA xq.kkRed tkudkjh dh leh{kk dh xbZA

l vkbZvkj,lh ekunaMksa ds vuq:i ,uih, çko/kkuksa vkSj vk; ds çR;korZu dh x.kuk ds

bu vfxzeksa dk ogu ewY; ¼çko/kkuksa dk fuoy½ HkkSfrd :i ls xyr
crk;k tk ldrk gS] ;fn O;fäxr :i ls ;k dqy feykdj]
vkbZvkj,lh ekunaMksa dk Bhd ls ikyu ugha fd;k tkrk gSA
ysu&nsu dh ç—fr] fofu;ked vis{kk,¡] ekStwnk dkjksckjh
ekgkSy] çfrHkwfr;ksa ds ewY;kadu esa 'kkfey vuqeku @ fu.kZ; dks
/;ku esa j[krs gq,] ;g LVSaMvyksu foÙkh; fooj.kksa ds bfPNr
mi;ksxdrkZvksa ds fy, mPp egRo dk ekeyk gS blfy, geus
,uih, dh igpku vkSj çko/kku dks ,d çeq[k ys[kkijh{kk rF;
ds :i esa lqfuf'pr fd;k gSA
fooj.k dk ijh{k.kA
l vkjchvkbZ ds fn'kkfunsZ'kksa dk vuqikyu lqfuf'pr djus ds fy, cSad }kjk fu/kkZfjr
m/kkjdrkZokj ,uih, igpku dh tk¡p dh xbZA
l vkjchvkbZ ds ekunaMksa dk vuqikyu lqfuf'pr djus ds fy, fofHkUu Jsf.k;ksa ds _.kksa
ds fy, ekud vfxzeksa ds çko/kkuksa dh tk¡p dh xbZA
l ,uih, dh fuxjkuh vkSj le; ij fjiksfVaZx esa vkarfjd ys[kkijh{kk] leorhZ
ys[kkijh{kk] flLVe ys[kkijh{kk vkfn tSls fuxjkuh ra= dh ekStwnxh vkSj çHkko'khyrkA
l vU; lkafof/kd 'kk[kk ys[kkijh{kdksa dh ys[kkijh{kk fjiksVksaZ ij Hkh Hkjkslk fd;k tkrk gS]
ftudh geus tkap dh gS vkSj çklafxd fVIif.k;ksa ij fopkj fd;k gSA

2. fuos'kksa dk oxhZdj.k vkSj ewY;kadu] vutZd fuos'kksa dh vkjchvkbZ ds ifji=ksa @ funsZ'kksa ds lanHkZ esa fuos'k ds çfr gekjs ys[kkijh{kk –f"Vdks.k esa
igpku vkSj çko/kku vkarfjd fu;a=.kksa ds fMtkbu] ifjpkyu çHkko'khyrk rFkk vutZd fuos'kksa ds ewY;kadu]
oxhZdj.k] igpku vkSj fuos'kksa ls lacaf/kr çko/kku @ewY;ºzkl ds laca/k esa Lora= ys[kkijh{kk
l fuos'k esa cSad }kjk fofHkUu ljdkjh çfrHkwfr;ksa] ckaMksa] fMcsapj] çfØ;kvksa dh leh{kk vkSj ijh{k.k 'kkfey FksA fo'ks"k :i ls]
'ks;jksa] çfrHkwfr jlhnksa rFkk ifjiDork rd /kkfjr] fcØh ds
fy, miyC/k vkSj O;kikj ds fy, /kkfjr Jsf.k;ksa ds rgr 1½ geus vutZd fuos'kksa ds ewY;kadu] oxhZdj.k vkSj igpku] fuos'k ls lacaf/kr çko/kku @
oxhZ—r vU; vuqeksfnr çfrHkwfr;ka 'kkfey gSaA ewY;ºzkl ds laca/k esa vkjchvkbZ fn'kkfunsZ'kksa dk ikyu djus ds fy, cSad dh vkarfjd
fu;a=.k ç.kkyh dk ewY;kadu fd;k vkSj le>kA
l fuos'k cSad dh dqy laifÙk dk 25.99% gSA ;s Hkkjrh; fjtoZ
cSad ¼vkjchvkbZ½ ds ifji=ksa vkSj funsZ'kksa }kjk 'kkflr gksrs gSaA 2½ geus bu fuos'kksa ds mfpr ewY; ds fu/kkZj.k gsrw fofHkUu lzksrksa ls tkudkjh ,d= djus
vkjchvkbZ ds bu funsZ'kksa esa vU; ckrksa ds lkFk&lkFk fuos'k ds fy, viukbZ xbZ çfØ;k dk vkdyu vkSj ewY;kadu fd;kA
dk ewY;kadu] fuos'k dk oxhZdj.k] vutZd fuos'k dh igpku]
vk; dh lacaf/kr xSj&ekU;rk vkSj mlds lkis{k çko/kku 3½ fuos'k ds p;fur uewus ds fy,] geus çfrHkwfr dh çR;sd Js.kh dk iquewZY;kadu dj
'kkfey gSaA vkjchvkbZ ekLVj ifji=ksa vkSj funsZ'kksa dh lVhdrk ,oa vuqikyu dk ijh{k.k fd;kA

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 Ø- çeq[k ys[kkijh{kk rF;
la-
l iwoksZä çfrHkwfr;ksa dh çR;sd Js.kh ¼çdkj½ dk ewY;kadu
vkjchvkbZ }kjk tkjh ifji=ksa vkSj funsZ'kksa esa fu/kkZfjr i)fr
ds vuqlkj fd;k tkuk gS ftlesa fofHkUu lzksrksa ls MsVk @
lwpuk dk laxzg 'kkfey gS tSls fd ,QvkbZ,e,eMh, njsa] 4½
ch,lbZ @ ,u,lbZ ij m)`r njsa] xSj&lwphc) daifu;ksa ds
foÙkh; fooj.k vkfnA
ewY;kadu] ysu&nsu dh ek=k] fuos'k vkSj fu;ked Qksdl dh
ek=k esa 'kkfey fu.kZ; dh tfVyrkvksa vkSj lhek dks è;ku esa
j[krs gq,] bls ,d çeq[k ys[kkijh{kk ekeys ds :i esa fuèkkZfjr
fd;k x;k gSA
rnuqlkj] gekjh ys[kkijh{kk fuos'kksa ds ewY;kadu] oxÊdj.k]
vutZd fuos'kksa dh igpku vkSj fuos'k ls lacafèkr 6½
çkoèkkuhdj.k ij dsafær FkhA
ys[kkijh{kk esa eq[; ys[kkijh{kk rF; dks fdl :i esa Lohdkj fd;k x;k Fkk
uewuksa dk p;u ;g lqfuf'pr djus ds ckn fd;k x;k Fkk fd fuos'k dh lHkh Jsf.k;ksa
¼çfrHkwfr dh ç—fr ds vk/kkj ij½ ds uewus esa 'kkfey gSaA
geus ,uihvkbZ dh igpku dh çfØ;k o vk; ds lacafèkr izR;korZu ,oa vkSj çkoèkku ds
fuekZ.kksa dk fuèkkZj.k vkSj ewY;kadu fd;k(
5½ geus Hkkjrh; fjtoZ cSad ds ifji=ksa vkSj funs'kksa ds vuqlkj vuqjf{kr çkoèkku vkSj
çnku fd, tkus okys ewY;ºzkl dks Lora= :i ls iquxZ.kuk djus ds fy, okLrfod
ys[kk ijh{kk çfØ;k,a dha A rnuqlkj] geus çR;sd Js.kh ds fuos'k ls uewuksa dk p;u
fd;k vkSj vkjchvkbZ ds fn'kkfunZs'kksa ds vuqlkj ,uihvkbZ ds fy, ijh{k.k fd;k vkSj
,uihvkbZ ds mu p;fur uewuksa ds fy, Hkkjrh; fjtoZ cSad ifji= ds vuqlkj
vuqjf{kr çkoèkku dh iquxZ.kuk dh(
mä Hkkjrh; fjtoZ cSad ds ifji= @ funs'kksa ds vuqlkj çLrqfrdj.k vkSj çdVhdj.k
vko';drkvksa dk vuqikyu lqfuf'pr djus ds fy,] geus fuos'k ,fIyds'ku
l‚¶+Vos;j vkSj foÙkh; fooj.k rS;kj djus okys l‚¶+Vos;j ds chp fuos'k dh eSfiax dk
ijh{k.k fd;kA

LVSaMvyksu foÙkh; fooj.kksa ,oa ys[kkijh{kd dh fjiksVZ ls brj vU; lwpuk

6- vU; lwpuk ds fy, cSad dk funs'kd eaMy ftEesnkj gSA vU; lwpuk esa dkWiksZjsV vfHk'kklu fjiksVZ 'kkfey gksrh gS ftls geus bl fjiksVZ ds lkFk tkjh fd;k gS ¼fdarq
blesa LVSaMvyksu foÙkh; fooj.k ,oa gekjh ys[kkijh{kk fjiksVZ 'kkfey ugha gkssrs½A okf"kZZd fjiksVZ esa layXu vuqca/kksa lfgr] ;fn dksbZ gks] funs'kdksa dh fjiksVZ dks gesa bl
ys[kkijh{kd fjiksVZ dh fnukad ds i'pkr~ miyC/k djok;k tkuk visf{kr gSA
LVSaMvyksu foÙkh; fooj.kksa ij gekjh jk; vU; lwpuk ,oa csly III ds rgr fiYyj 3 ds izdVhdj.kksa dks doj ugha djrh gS rFkk ml ij gekjs }kjk fdlh Hkh izdkj
dk vk'oklu O;Dr ugha fd;k tkrk vkSj uk gh ,slk fd;k tk,xkA
LVSaMvyksu foÙkh; fooj.kksa ij gekjh ys[kkijh{kk ds laca/k esa] gekjh ftEesnkjh vU; lwpuk dks i<+uk ,oa ,slk djrs gq, ;g fopkj djuk gS fd D;k vU; lwpuk
LVSaMvyksu foÙkh; fooj.kksa ;k ys[kkijh{kk ds nkSjku fufeZr gqbZ gekjh le> ls HkkSfrd rkSj ij vlaxr gS ;k vU;Fkk HkkSfrd :i ls xyr izrhr gksrh gSA
tc ge cSad ds funs'kdksa dh fjiksVZ dks okf"kZd fjiksVZ esa layXu vuqca/kksa ds lkFk] ;fn dksbZ gks] i<+rs gSa] ;fn ge ;g fu.kZ; nsrs gSa fd mDr esa HkkSfrd vlaxrrk gS] rks
gekjs }kjk ;g rF; vfHk'kklu izHkkjh dks crk;k tkuk visf{kr gS
LVSaMvyksu foÙkh; fooj.k ds fy, izca/ku o vfHk'kklu izHkkjh dk mÙkjnkf;Ro %
7- cSad ds funs'kd eaMy] Hkkjr ds lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ekud esa fu/kkZfjr ekU;rk vkSj eki fl)karksa] cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 29
ds çko/kku lfgr Hkkjr esa vkerkSj ij Lohd`r vU; ys[kk fl)karksa vkSj Hkkjrh; fjtoZ cSad }kjk le;&le; ij tkjh fd, x, ifji= o fn'kkfunsZ'kksa ds vuqlkj bu
LVSaMvyksu foÙkh; fooj.kksa dks rS;kj djus ds fy, ftEesnkj gSa tks foÙkh; fLFkfr] foÙkh; dk;Z&fu"iknu vkSj cSad esa udnh izokg dks lVhd vkSj fu"i{k :i ls n'kkZrs
gSaA bl mÙkjnkf;Ro esa] vf/kfu;e ds çko/kku ds vuqikyu esa cSad dh vkfLr;ksa dks lqjf{kr j[kus rFkk /kks[kk/kM+h ,oa vU; vfu;ferrkvksa dk irk yxkus ,oa jksdus(
mfpr ys[kkadu uhfr;ksa dk p;u ,oa mUgsa ykxw djus( mfpr vkSj foosdiw.kZ fu.kZ; ,oa vkadyu ds fy, i;kZIr ys[kkadu fjd‚MZ dks cuk, j[kus vkSj ys[kkadu jsd‚MZ
dh lVhdrk o laiw.kZrk dks lqfuf'pr djus gsrq çHkkoh rkSj ij ifjpkfyr i;kZIr vkarfjd foÙkh; fu;a=.kksa dks fufeZr djuk] ykxw djuk ,oa cuk, j[kuk 'kkfey gS
tksfd LVSaMvyksu foÙkh; fooj.kksa ds fuekZ.k] çLrqrhdj.k gsrq çklafxd gS tks lR; vkSj fu"i{krk n'kkZrs gSa vkSj fdlh çdkj ds egRoiw.kZ feF;kdFku] pkgs og diV
vFkok =qfVo'k gks] ls eqä gSa] 'kkfey gSaA
LVSaMvyksu foÙkh; fooj.k dks rS;kj djus esa çca/ku dk ;g nkf;Ro gksrk gS fd og cSad ds dk;Z'khy laLFkk ds :i esa dk;Z tkjh djus dh ;ksX;rk dk ewY;kadu
djsa]dk;Z'khy laLFkk ls lacfU/kr ekeyksa esa ;Fkkç;ksT; çdVu djsa] ys[kkadu dk dk;Z'khy laLFkk vk/kkj ij ç;ksx djsa tc rd fd çca/ku dk bjknk cSad ds ifjlekiu
vFkok ifjpkyuksa dks can djus dk u gks ;k ,slk djus dk dksbZ O;kogkfjd fodYi u gksA
funs'kd eaMy cSad dh foÙkh; fjiksfVaZx çfØ;k dh fuxjkuh ds fy, Hkh mÙkjnk;h gSa A
LVSaMvyksu foÙkh; fooj.k dh ys[kkijh{kk ds fy, ys[kkijh{kd dk mÙkjnkf;Ro
8- gekjk y{; mfpr vk'oklu çkIr djuk gS fd okf"kZd LVS.Mvyksu foÙkh; fooj.kksa HkkSfrd =qfV;ksa ls iw.kZr% eqä gks pkgs os /kks[kk/kM+h ;k =qfV ds dkj.k gh gksa rFkk
gekjh jk; lfgr ys[kkijh{kd dh fjiksVZ çnku djuk gSA mfpr vk'oklu mPpdksfV dk vk'oklu gS ysfdu ;g xkjaVh ugha gS fd ,l, ds vuqikyu esa dh xbZ
ys[kkijh{kk =qfV mRiUu gksus ij ges'kk gh bUgsa igpku ldsxhA /kks[kk/kM+h ;k xyfr;ksa ls feF;kdFku vk ldrs gSa rFkk ,dy ;k ldy :i esa mi;ksxdrkZvksa }kjk bu
okf"kZd LVS.Mvyksu foÙkh; fooj.kksa ds vk/kkj ij fy, x, vkfFkZd fu.kZ;ksa dks çHkkfor dj ldrs gSaA
,l, ds vuqikyu esa ge is'ksxr fu.kZ; nsrs gSa rFkk ys[kkijh{kk djrs le; is'ksxr la'k;kRedrk cuk, j[krs gSaA ge ;g Hkh %

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 l LVSaMvyksu foÙkh; fooj.k dh HkkSfrd =qfV;ksa] pkgs og /kks[kk/kM+h ds dkj.k gks ;k fdlh Hkwyo'k] ds tksf[ke dk vkadyu rFkk igpku djuk vkSj lajpuk ,oa bu
tksf[keksa ds mÙkjnkf;Ro ds fy, ys[kkijh{k.k djuk rFkk gekjh jk; çnku djus ds fy, i;kZIr vkSj mfpr ys[kklk{; çkIr djukA HkkSfrd =qfV;ksa esa /kks[kk/kM+h ds
dkj.k gqbZ xyrh dh igpku u gks ikuk] Hkwyo'k gqbZ =qfV ls cM+k tksf[ke gS] D;ksafd /kks[kk/kM+h esa feyhHkxr] tkylkth] lkfHkçk; pwd] feF;k fu:i.k ;k
vkarfjd fu;a=.k dh vogsyuk 'kkfey gks ldrk gSA
l ifjfLFkfr ds vuqlkj mi;qä ys[kkijh{kk çfØ;kvksa dks fMtkbu djus ds fy, ys[kkijh{kk ls lacaf/kr vkarfjd fu;a=.k dh le> çkIr djsaA
l ç;qä ys[kkadu uhfr;ksa ds vkSfpR; ,oa ys[kkadu vuqekuksa o izca/ku }kjk fd, x, lacaf/kr çdVhdj.k dh rdZlaxrrk dk ewY;kadu djukA
l ys[kk ,oa çkIr ys[kk lk{;ksa ds vk/kkj ij izca/ku] dk;Z'khy laLFkk ds mi;ksx ds vkSfpR; ij fu"d"kZ fudkyuk fd D;k ?kVukvksa ;k fLFkfr;ksa esa HkkSfrd
vfuf'prrk gS tks lewg rFkk blds lg;ksfx;ksa dks dk;Z'khy laLFkk cus jgus esa lansg mRiUu djrh gSaA ;fn ge bl fu"d"kZ ij igq¡prs gSa fd vfuf'prrk gS] rks
;g gekjs fy, vko';d gS fd LVS.Mvyksu foÙkh; fooj.kksa esa çdVhdj.k ds laca/k esa viuh ys[kkijh{kd dh fjiksVZ esa /;ku vkdf"kZr djsa vFkok ;fn çdVhdj.k
vi;kZIr gks rks viuh jk; esa ifjorZu djsaA gekjs fu"d"kZ gekjh ys[kkijh{kk dh fjiksVZ dh frfFk rd çkIr ys[kk lk{;ksa ds vk/kkj ij gksrs gSaA gkykafd] Hkfo"; dh
?kVuk,¡ ,oa fLFkfr;k¡ cSad dks dk;Z'khy laLFkk cus jgus ls jksd ldrh gSaA
l çdVhdj.k lfgr LVS.Mvyksu foÙkh; fooj.kksa dh lajpuk] lkexzh rFkk lEiw.kZ çLrqrhdj.k dk ewY;kadu djuk vkSj bldk Hkh tk;tk ysuk fd D;k
LVS.Mvyksu foÙkh; fooj.kksa esa varfuZfgr ysu&nsu ,oa ?kVuk,¡ mfpr çLrqrhdj.k çLrqr djrh gSA
HkkSfrdrk LVSaMvyksu foÙkh; fooj.kksa esa xyr c;kuksa dk ifjek.k gS] tks O;fäxr :i ls ;k lexz :i ls] ;g laHko cukrk gS fd foÙkh; fooj.kksa ds mfpr tkudkj
mi;ksxdrkZ ds vkfFkZd fu.kZ; çHkkfor gks ldrs gSaA ge (i) vius ys[kk ijh{kk dk;Z ds nk;js dh ;kstuk cukus vkSj vius dke ds ifj.kkeksa dk ewY;kadu djus ds fy,(
vkSj (ii) LVSaMvyksu foÙkh; fooj.kksa esa fdlh Hkh igpkus x, xyr fooj.k ds çHkko dk ewY;kadu djus ds fy, ek=kRed HkkSfrdrk vkSj xq.kkRed dkjdksa ij fopkj
djrs gSaA
geus vfHk'kkldksa dks] vU; ekeyksa ds e/;] ys[kkijh{kk dk ;kstukc) <kapk o le; ,oa ys[kkijh{kk ds nkSjku vkarfjd fu;a=.k esa gekjs }kjk ikbZ xbZ fdlh egRoiw.kZ
deh lfgr ys[kkijh{kk ds egRoiw.kZ ifj.kkeksa dk fooj.k çnku fd;k gSA
geus vfHk'kkldksa dks ,slk fooj.k Hkh çnku fd;k gS fd geus Lora=rk laca/kh uSfrd vko';drkvksa dk vuqikyu fd;k gS rFkk ge mUgsa ,sls laca/k ,oa vU; ekeys Hkh
lwfpr djrs gSa] tks gekjh Lora=rk ls lacfU/kr gksrs gSa vkSj lqj{kk ds laca/k esa ykxw gksrs gSaA
vfHk'kkldksa dks laçsf"kr fd, x, ekeyksa esa ls ge mu ekeyksa dk fu/kkZj.k djrs gSa tks orZeku vof/k ds LVSaMvyksu foÙkh; fooj.kksa dh ys[kkijh{kk esa lcls egRoiw.kZ Fks
vkSj blfy, os çeq[k ys[kkijh{kk ekeys gSaA ge viuh ys[kk ijh{kd dh fjiksVZ esa bu ekeyksa dk o.kZu djrs gSa tc rd fd dkuwu ;k fofu;eu ekeys ds ckjs esa
lkoZtfud çdVhdj.k dks jksdrk ugha gS ;k tc] vR;ar nqyZHk ifjfLFkfr;ksa esa] ge ;g fu/kkZfjr djrs gSa fd ekeys dks gekjh fjiksVZ esa laçsf"kr ugha fd;k tkuk pkfg,
D;ksafd ,slk djus ls gksus okys çfrdwy ifj.kkeksa ls bl rjg ds lapkj ds lkoZtfud fgr ds ykHkksa ls vf/kd gksus dh mEehn dh tk,xhA
vU; ekeys
9- geus cSad ds LVSaMvyksu foÙkh; fooj.kksa@lwpuk esa 'kkfey mu 2104 'kk[kkvksa ds foÙkh; fooj.kksa dh ys[kkijh{kk ugha dh gS] ftuds foÙkh; fooj.k@foÙkh; tkudkjh
31 ekpZ] 2022 dks ` 2]84]742-50 djksM+ dh dqy laifÙk ,oa 31 ekpZ] 2022 dks lekIr foÙkh; o"kZ ds fy, ` 13765-05 djksM+ dk dqy jktLo] tksfd LVSaMvyksu foÙkh;
fooj.k esa ekuk x;k gS] n'kkZrs gSaA
bu 'kk[kkvksa ds foÙkh; fooj.kksa @ lwpuk dh ys[kk ijh{kk 'kk[kk ys[kk ijh{kdksa }kjk dh xbZ gS] ftudh fjiksVZ gesa çLrqr dh xbZ gS] vkSj tgka rd bu 'kk[kkvksa ls
lacaf/kr jkf'k vkSj çdVhdj.k dh ckr gS rks gekjh jk; iwjh rjg ls ,slh 'kk[kkvkas dh ys[kk ijh{kk djus okys ys[kk ijh{kdksa dh fjiksVZ ij vk/kkfjr gSA
mijksä ekeyksa ds laca/k esa gekjh jk; esa dksbZ cnyko ugha fd;k x;k gSA
10- 31 ekpZ] 2021 dks lekIr fiNys o"kZ ds fy, cSad ds LVSaMvyksu foÙkh; fooj.kksa dh ys[kk ijh{kk la;qä ys[kk ijh{kdksa }kjk dh xbZ] ftuesa ls nks iwoZorhZ ys[kkijh{kk
QeZ gSa vkSj mUgksaus ,sls foÙkh; ifj.kkeksa ij vifjofrZr jk; O;ä dh FkhA
vU; fof/kd vkSj fofu;ked vis{kkvksa ij fjiksVZ
11- cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 29 ds vuqlkj rqyu&i= vkSj ykHk ,oa gkfu ys[kk cuk, x, gSaA
12- mijksä 7 ls 9 rd iSjkxzkQksa esa ladsfrr ys[kkijh{kk lhekvksa ds v/;/khu vkSj cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e 1970 @ 1980 dh
vis{kkuqlkj vkSj mlesa visf{kr çdVhdj.k dh lhekvksa ds v/;/khu] ge fjiksVZ djrs gSa fd
¼,½ geus lHkh tkudkjh o Li"Vhdj.k çkIr fd, gSa] tksfd gekjh Js"Bre tkudkjh o fo'okl ds vuqlkj gekjh ys[kkijh{kk ds ç;kstukFkZ vko';d Fks vkSj geus
mUgsa larks"ktud ik;kA
¼ch½ cSad ds ysu&nsu tksfd gekjs le{k vk, gSa cSad ds vf/kdkjksa ds Hkhrj gh gSa vkSj
¼lh½ dk;kZy;ksa ,oa 'kk[kkvksa rFkk cSad ds dk;kZy;ksa ls çkIr foojf.k;k¡ gekjh ys[kkijh{kk ds ç;kstukFkZ i;kZIr ik, x, gSaA

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13- vkjchvkbZ ds i= la- Mhvks,l-,vkjth-la-6270@08-91-001@2019&20 fnukad 17 ekpZ] 2020 ¼;Fkk la'kksf/kr½] dh vis{kkuqlkj ge fjiksVZ djrs gSa fd
¼,½ gekjh jk; esa] mijksä LVSaMvyksu foÙkh; fooj.k vkbZlh,vkbZ }kjk tkjh fd, x, ykxw ys[kk ekudksa dk vuqikyu djrs gSa] tgka rd fd os vkjchvkbZ }kjk
fuèkkZfjr ys[kkadu uhfr;ksa ds lkFk vlaxr ugha gSaA
¼ch½ foÙkh; fjiksfVaZx ij cSad ds vkarfjd foÙkh; fu;a=.k dh i;kZIrrk vkSj ifjpkyu çHkko'khyrk ij gekjh ys[kk ijh{kk fjiksVZ bl fjiksVZ ds vuqca/k , esa nh xbZ
gSA gekjh fjiksVZ 31 ekpZ] 2021 dks foÙkh; fjiksfVaZx ij cSad ds vkarfjd foÙkh; fu;a=.k ij ,d vifjofrZr vfHker O;ä djrh gSA
¼lh½ 31 ekpZ] 2021 dks funs'kdksa ls çkIr fyf[kr vH;kosnu vkSj funs'kd eaMy }kjk fjd‚MZ esa fy, tkus ds vk/kkj ij] 31 ekpZ] 2021 rd fdlh Hkh funs'kd dks
daiuh vf/kfu;e] 2013 dh /kkjk 164 dh mi&/kkjk ¼2½ ds lanHkZ esa funs'kd ds :i esa fu;qä fd, tkus ds fy, v;ksX; ugha Bgjk;k x;k gSA
¼Mh½ foÙkh; ysunsu ;k ekeyksa ij dksbZ voyksdu ;k fVIi.kh ugha gS ftldk cSad ds dkedkt ij dksbZ çfrdwy çHkko iM+rk gSA
¼bZ½ [kkrksa ds j[kj[kko vkSj mlls tqM+s vU; ekeyksa ls lacaf/kr dksbZ çfrcU/k] fNiko ;k çfrdwy fVIi.kh ugha gSA
14- ge vkxs fjiksVZ djuk pkgrs gS fd]
¼,½ gekjh jk; esa] fof/k }kjk visf{kr [kkrs dh mfpr cgh cSad }kjk j[kh xbZ gSa tgka rd ;g mu ckfg;ksa dh gekjh tkap ls çdV gksrk gS vkSj gekjs ys[kk ijh{kk ds
mís';ksa ds fy, i;kZIr foojf.k;k¡ gekjs }kjk nkSjk u fd xbZ 'kk[kkvksa ls çkIr dh xbZ gSSaA
¼ch½ bl fjiksVZ esa çnf'kZr LVSaMvyksu rqyu i=] LVSaMvyksu ykHk ,oa gkfu ys[ks vkSj LVSaMvyksu udnh çokg ds fooj.k cgh [kkrksa vkSj 'kk[kkvksa }kjk çkIr
foojf.k;k¡ tgka geus nkSjk ugha fd;k gS] ds vuqlkj gSaA
¼lh½ cSafdax fofu;eu vf/kfu;e 1949 dh /kkjk 29 ds v/khu 'kk[kk ys[kk ijh{kdksa }kjk 2102 'kk[kk dk;kZy;ksa ds [kkrksa dh fjiksVZ tks ys[kk ijhf{kr fd;s gSa] gesa
Hksth xbZ gSa vkSj geus bl fjiksVZ dks rS;kj djrs le; budh mfpr :i ls tk¡p dh gS ( vkSj
¼Mh½ gekjh jk; esa rqyu i=] ykHk o gkfu ys[kk rFkk udnh çokg fooj.k ç;ksT; ys[kkdj.k ekudksa dk vuqikyu bl gn rd djrs gSa fd os Hkkjrh; fjtoZ cSad
}kjk fu/kkZfjr ys[kkadu uhfr;ksa ds lkFk vlaxr ugha gSaA

—rs JhjkeewfrZ ,aM daiuh —rs jfo jatu ,aM daiuh ,y,yih esllZ ih-ds- ,Q- Jh/kj ,aM laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la-003032S ,Qvkj la-009073N / N500320 ,Qvkj la-003990S / S200018

lk>snkj ,e çR;q"kk lk>snkj lqfer dqekj lk>snkj ih nsoh

(,e-ua- 254141) (,e-ua-512555) (,e-ua-223137)
;wMhvkbZ,u% 22254141AJEANT9965 ;wMhvkbZ,u% 22512555AIUPTX7923 ;wMhvkbZ,u% 22223137AJQIZM2479
esllZ th- uVslu ,aM daiuh esllZ ,l,vkjlh ,aM ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la- 002424S ,Qvkj la- 006085N

lk>snkj ojy{eh eqjyh lk>snkj psru BDdj

(,e-ua- 028863) (,e-ua- 114196)
;wMhvkbZ,u% 22028863AIUPRK7986 ;wMhvkbZ,u % 22114196AIUPWD3724

gLrk{kj dk LFkku % psUuS

fjiksVZ dh frfFk % 11 ebZ] 2022

- 139 -
 vuqyXud Þ,ß Lora= ys[kk ijh{kd dh fjiksVZ ds fy,
¼le frfFk dh gekjh fjiksVZ ds 'vU; fofèkd ,oa fofu;ked vko';drkvksa ij fjiksVZ' vuqHkkx ds rgr iSjkxzkQ 13 ¼ch½ esa lanfHkZr½

Hkkjrh; fjtoZ cSad ¼vkjchvkbZ½ ds i= Mhvks,l- ,vkjth-la-6270@08-91-001@2019&20 fnukad 17 ekpZ] 2020 ¼la'kksfèkr½ }kjk visf{kr foÙkh; fjiksfVZax
ij vkarfjd foÙkh; fu;a=.k ij fjiksVZ ¼la'kksfèkr½ ¼vkjchvkbZ }kjk lwfpr½

geus] 31 ekpZ] 2022 rd bafM;u cSad dh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.kksa dh ys[kkijh{kk dh gS tks ml rkjh[k dks lekIr o"kZ ds fy, cSad ds LVSaMvyksu foÙkh;
fooj.kksa dh gekjh ys[kkijh{kk ds lkFk gS] ftlesa cSad dh 'kk[kkvksa dh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k 'kkfey gSaA

vkarfjd foÙkh; fu;a=.k ds fy, çcaèku dk mÙkjnkf;Ro

cSad dk çcaèku laLFkku }kjk tkjh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k dh ys[kkijh{kk ij Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh foÙkh; fjiksfVZax ij vkarfjd
foÙkh; fu;a=.k dh ys[kkijh{kk ds ekxZn'kZu uksV esa crk, x, vkarfjd fu;a=.k ds vko';d ?kVdksa ij fopkj djrs gq, cSad }kjk fuèkkZfjr foÙkh; fjiksfVZax ekunaMksa ij vkarfjd
fu;a=.k ds vkèkkj ij vkarfjd foÙkh; fu;a=.k LFkkfir djus vkSj cuk, j[kus ds fy, mÙkjnk;h gSA bu ftEesnkfj;ksa esa cSad dh uhfr;ksa ds vuqikyu esa viuh laifÙk dh lqj{kk]
èkks[kkèkM+h vkSj =qfV;ksa dh jksdFkke vkSj irk yxkus lfgr vius O;olk; ds O;ofLFkr vkSj dq'ky lapkyu dks lqfuf'pr djus ds fy, çHkkoh <ax ls dke dj jgs i;kZIr
vkarfjd foÙkh; fu;a=.kksa dk fMtkbu] dk;kZUo;u vkSj j[kj[kko] cSafdax fofu;eu vfèkfu;e] 1949 vkSj Hkkjrh; fjt+oZ cSad }kjk tkjh ifji=ksa vkSj fn'kkfunZs'kksa ds vuqlkj
visf{kr] o ys[kkadu fjd‚MZ dh lVhdrk vkSj iw.kZrk ,oa foÜoluh; foÙkh; tkudkjh dh le; ij rS;kjh Hkh 'kkfey gSA

ys[kk ijh{kdksa dh ftEesnkjh

gekjh ftEesnkjh gekjh ys[kk ijh{kk ds vkèkkj ij foÙkh; fjiksfVZax ij cSad ds vkarfjd foÙkh; fu;a=.k ij ,d jk; O;ä djuk gSA geus Hkkjrh; lunh ys[kkdkj laLFkku
¼vkbZlh,vkbZ½ }kjk tkjh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.kksa dh ys[kkijh{kk ij ekxZn'kZu uksV ¼ekxZn'kZu uksV½ rFkk vkarfjd foÙkh; fu;a=.kksa dh ys[kkijh{kk ds fy,
ykxw vkbZlh,vkbZ }kjk tkjh v‚fMfVax ¼,l,,l½ ij ekudksa ds vuqikyu esa ys[kk ijh{kk dh gS A mu ekudksa vkSj ekxZn'kZu uksV dh vis{kk gksrh gS fd ge uSfrd vko';drkvksa
dk vuqikyu djsa vkSj bl ckjs esa mfpr vkÜoklu çkIr djus ds fy, ;kstuk cuk,a vkSj ys[kk ijh{kk djsa fd D;k foÙkh; fjiksfVZax ij i;kZIr vkarfjd foÙkh; fu;a=.k LFkkfir
fd;k vkSj cuk, j[kk x;k Fkk vkSj D;k ,sls fu;a=.k lHkh HkkSfrd ekeyksa esa çHkkoh <ax ls lapkfyr gksrs gSaA

gekjh ys[kk ijh{kk esa foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k dh i;kZIrrk vkSj muds ifjpkyu dh çHkko'khyrk ds ckjs esa ys[kk ijh{kk lacaèkh lk{; çkIr djus ds fy,
dk;Z&fu"iknu çfØ;k,a 'kkfey gSaA foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.kksa dh gekjh ys[kkijh{kk esa foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.kksa dh le> çkIr djuk]
tksf[ke dk vkdyu djuk fd D;k HkkSfrd deh ekStwn gS] vkSj ewY;kadu fd, x, tksf[ke ds vkèkkj ij vkarfjd foÙkh; fu;a=.kksa ds fMtkbu vkSj ifjpkyu dh çHkko'khyrk
dk ijh{k.k vkSj ewY;kadu djuk 'kkfey gSA p;fur çfØ;k,a ys[kkijh{kd ds fu.kZ; ij fuHkZj djrh gSa] ftlesa ekud foÙkh; fooj.kksa ds egRoiw.kZ xyr fooj.k ds tksf[keksa dk
vkdyu 'kkfey gS] pkgs og èkks[kkèkM+h ;k =qfV ds dkj.k gksA

ge ekurs gSa fd geus tks ys[kk ijh{kk lk{; çkIr fd;k gS vkSj 'kk[kk ys[kk ijh{kdksa }kjk çkIr ys[kk ijh{kk lk{;] uhps fn, x, vU; ekeyksa ds iSjkxzkQ esa lanfHkZr mudh fjiksVZ
ds vuqlkj] cSad dh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k ij gekjh ys[kk ijh{kk jk; ds fy, ,d vkèkkj çnku djus ds fy, i;kZIr vkSj mi;qä gSA

foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k dk vFkZ

foÙkh; fjiksfVZax ij cSad dk vkarfjd foÙkh; fu;a=.k ,d ,slh çfØ;k gS ftls foÙkh; fjiksfVZax dh foÜoluh;rk vkSj vke rkSj ij Loh—r ys[kk fl)karksa ds vuqlkj ckgjh
mís';ksa ds fy, LVSaMvyksu foÙkh; fooj.k rS;kj djus ds lacaèk esa mfpr vkÜoklu çnku djus ds fy, fMt+kbu fd;k x;k gSA foÙkh; fjiksfVZax ij cSad ds vkarfjd foÙkh;
fu;a=.k esa os uhfr;ka vkSj çfØ;k,a 'kkfey gSa tks ¼1½ mu vfHkys[kksa ds j[kj[kko ls lacafèkr gS] tks mfpr fooj.k esa] cSad dh ifjlaifÙk;ksa ds ysu&nsu vkSj LoHkko dks lVhd vkSj
fu"i{k :i ls n'kkZrs gSa( ¼2½ mfpr vkÜoklu çnku djsa fd ysu&nsu dks vke rkSj ij Loh—r ys[kk fl)karksa ds vuqlkj LVSaMvyksu foÙkh; fooj.k rS;kj djus dh vuqefr nsus ds
fy, vko';d :i ls ntZ fd;k x;k gS] vkSj cSad dh çkfIr;ka vkSj O;; dsoy cSad ds çcaèku vkSj funs'kdksa ds çkfèkdj.kksa ds vuqlkj fd, tk jgs gSa( rFkk ¼3½ cSad dh ifjlaifÙk;ksa
ds vufèk—r vfèkxzg.k] mi;ksx ;k fuiVku dh jksdFkke ;k le; ij irk yxkus ds lacaèk esa mfpr vkÜoklu çnku djuk] ftldk LVSaMvyksu foÙkh; fooj.kksa ij egRoiw.kZ
çHkko gks ldrk gSA

- 140 -
foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k dh varfuZfgr lhek,a

feyhHkxr dh laHkkouk ;k çcaèku }kjk fu;a=.kksa dk vuqfpr <ax ls vfèkjksg.k 'kkfey gSa] =qfV ;k èkks[kkèkM+h lfgr foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.kksa dh varfuZfgr
lhekvksa ds dkj.k fooj.k xyr gks ldrs gSa vkSj mudk irk ugha yxk;k tk ldrk gSA blds vykok] Hkfo"; dh fdlh Hkh vofèk ds fy, foÙkh; fjiksfVZax ij vkarfjd foÙkh;
fu;a=.k ds fdlh Hkh ewY;kadu dk vuqeku tksf[ke ds vèkhu gSa tksfd foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k 'krksZa esa cnyko ds dkj.k vi;kZIr gks ldrk gS] ;k ;g fd
uhfr;ksa ;k çfØ;kvksa ds vuqikyu dh fLFkfr fcxM+ ldrh gSA

vfHker

gekjh jk; esa] vkSj gekjh lokZsÙke tkudkjh ds vuqlkj vkSj gesa fn, x, Li"Vhdj.kksa ds vuqlkj vkSj uhps fn, x, vU; ekeyksa ds iSjkxzkQ esa lanfHkZr 'kk[kk ys[kk ijh{kdksa dh
fjiksVksZa ij fopkj ds vkèkkj ij] lHkh çR;{k ekeyksa esa cSad ds ikl foÙkh; fjiksfVZax ij i;kZIr vkarfjd foÙkh; fu;a=.k miyCèk gSa rFkk foÙkh; fjiksfVZax ij ,sls vkarfjd foÙkh;
fu;a=.k 31 ekpZ] 2022 rd çHkkoh <ax ls dke dj jgs Fks] ftUgsa cSad }kjk vkarfjd fu;a=.k ds vko';d ?kVdksa dks 'kkfey djrs gq, Hkkjrh; lunh ys[kkdkj laLFkku }kjk
tkjh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k ds ys[kk ijh{kk ij ekxZn'kZu uksV ds vuqlkj foÙkh; fjiksfVZax ij vkarfjd fu;a=.k ds ekunaMksa ds vkèkkj ij LFkkfir fd;k
x;k Fkk A

vU; ekeys

gekjh iwokZsä fjiksVZ tksfd 2122 'kk[kkvksa dh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k ds ifjpkyu dh çHkko'khyrk ls lacafèkr gS] mu 'kk[kkvksa ds lacafèkr 'kk[kk ys[kk
ijh{kdksa dh lacafèkr fjiksVksZa ij vkèkkfjr gSA

foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k ds gekjs ijh{k.k ds nkSjku vkSj 'kk[kk ys[kk ijh{kdksa dh fjiksVZ ds vkèkkj ij] gekjs }kjk dqN ekeyksa ij è;ku fn;k x;kA cSad dks
ekStwnk tksf[ke fu;a=.k eSfVªDl ¼vkjlh,e½ esa cnyko vkSj dqN vkSj vkjlh,e fMtkbu djus lfgr çfØ;k dks vkSj etcwr djus dh t:jr gSA bl lacaèk esa gekjs lq>ko cSad
dh foÙkh; fjiksfVZax ij vkarfjd foÙkh; fu;a=.k dks vkSj etcwr djus ds fy, çcaèku dks çLrqr fd, x, gSaA

bl ekeys esa gekjh jk; esa dksbZ cnyko ugha fd;k x;k gSA

—rs JhjkeewfrZ ,aM daiuh —rs jfo jatu ,aM daiuh ,y,yih esllZ ih-ds- ,Q- Jh/kj ,aM laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la-003032S ,Qvkj la-009073N / N500320 ,Qvkj la-003990S / S200018

lk>snkj ,e çR;q"kk lk>snkj lqfer dqekj lk>snkj ih nsoh

(,e-ua- 254141) (,e-ua-512555) (,e-ua-223137)
;wMhvkbZ,u% 22254141AJEANT9965 ;wMhvkbZ,u% 22512555AIUPTX7923 ;wMhvkbZ,u% 22223137AJQIZM2479
esllZ th- uVslu ,aM daiuh esllZ ,l,vkjlh ,aM ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la- 002424S ,Qvkj la- 006085N

lk>snkj ojy{eh eqjyh lk>snkj psru BDdj

(,e-ua- 028863) (,e-ua- 114196)
;wMhvkbZ,u% 22028863AIUPRK7986 ;wMhvkbZ,u % 22114196AIUPWD3724

gLrk{kj dk LFkku % psUuS

fjiksVZ dh frfFk % 11 ebZ] 2022

- 141 -
 tk
uc
w>d
j
[k
ky

- 142 -
hN
ksM
+k
x;
k
 lesfdr rqyu i=
ykHk ,oa gkfu ys[kk vkSj vuqqlwfp;k¡

- 143 -
;FkkfLFkfr 31-03-2022 dks lesfdr rqyu&i= (` djksM+ esa)

fooj.k vuqlwph 31-03-2022 dks 31-03-2021 dks

Lka- ¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½
iwath vkSj ns;rk,a
iwath 1 1245.44 1129.37
vkjf{kfr;ka vkSj vf/k'ks"k 2 43706.49 38328.70
vYila[;d fgr 2A 24.98 22.60
tek,a 3 593570.88 538029.80
m/kkj 4 17152.85 24762.77
vU; ns;rk,a vkSj izko/kku 5 18395.79 23261.93
dqy 674096.43 625535.17
vkfLr;ka
Hkkjrh; fjt+oZ cSad ds lkFk udnh vkSj 'ks"k 6 24054.46 27545.18
cSadksa ds lkFk 'ks"k vkSj ekax ij rFkk vYi lwpuk ij izkI; /kujkf'k;k¡ 7 55913.76 23958.97
fuos'k 8 176501.61 178292.44
vfxze 9 389186.07 362669.08
vpy vkfLr;ka 10 7698.91 7392.56
vU; vkfLr;ka 11 20741.62 25676.94
dqy 674096.43 625535.17
vkdfLed ns;rk,a 12 353586.82 293606.77
olwyh ds fy, fcy 14144.89 12620.73

,l-,y- tSu
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
vÜouh dqekj bejku vehu fln~nhdh
dk;Zikyd funs'kd dk;Zikyd funs'kd
funs'kd
latho dkSf'kd vkfnR; xsgk
ljdkj }kjk ukfer funs'kd vkjchvkbZ }kjk ukfer funs'kd
Hkjr Ñ".k 'kadj ikfi;k lsuxqIrk
'ks;j/kkjd funs'kd 'ks;j/kkjd funs'kd
ckyeqdqan lgk; fo'os'k dqekj xks;y
va'kdkfyd xSj ljdkjh funs'kd va'kdkfyd xSj ljdkjh funs'kd
lkafofèkd dsaæh; ys[kk ijh{kd
—rs eSllZ JhjkeewfrZ ,.M daiuh —rs eSllZ jfo jktu ,.M daiuh ,y,yih —rs eSllZ ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Q vkj la[;k 003032,l ,Q vkj la[;k 009073,u @ ,u500320 ,Qvkj la[;k 003990,l @ ,l200018
,e- çR;q"kk lqfer dqekj ih- nsoh
lk>snkj lk>snkj lk>snkj
¼,e-la[;k 254141½ ¼,e- la[;k 512555½ ¼,e-la[;k 223137½

—rs eSllZ th uVslu ,.M daiuh —rs eSllZ ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la[;k 002424,l ,Q-vkj- la[;k 006085,u
ojy{eh eqjyh psru BDdj
lk>snkj lk>snkj
¼,e-la[;k 028863½ ¼,e-la[;k 114196½
LFkku % psUuS
fnukad% 11-05-2022
- 144 -
 31 ekpZ 2022 dks lekIr o"kZ ds fy, lesfdr ykHk o gkfu ys[kk (` djksM+ esa)
vuqlwph 31.03.2022 dks 31.03.2021 dks
fooj.k
la- ¼ys[kkijhf{kr½ ¼ys[kkijhf{kr½
I. vk; %
vftZr C;kt 13 38861.65 39108.08
vU; vk; 14 7406.50 6111.40
dqqy 46268.15 45219.48
II. O;;
O;; fd;k x;k C;kt 15 22129.25 23438.80
ifjpkyuxr O;; 16 11353.54 10789.28
izko/kku ,oa vkdfLedrk;sa 8791.47 7975.68
dqy 42274.26 42203.76
III. lewg ls lac) vof/k gsrq lesfdr ykHk @ ¼gkfu½ 3993.89 3015.72
lg;ksfx;ksa ls vk; dk va'k 150.30 134.86
vYi la[;d C;kt ?kVkus ls iwoZ vof/k ds fy, lesfdr ykHk@ ¼gkfu½ 4144.19 3150.58
?kVk,a % vYi la[;d C;kt 2.38 1.43
lewg ls lac) vof/k gsrq lesfdr ykHk@ ¼gkfu½ 4141.81 3149.15
vxzkuhr ykHk@¼gkfu½ 845.15 556.71
tksM+sa% 'ks;j çhfe;e ds lkis{k lek;kstu@ lsV v‚Q -23.19 41.29
dqy 4963.77 3747.15
IV. fofu;kstu
fuEu dks varfjr
lkafof/kd vkjf{kr 986.21 751.17
iw¡th fjt+oZ & vU; 147.90 47.71
vk;dj vf/kfu;e dh èkkjk 36¼1½¼viii½ ds rgr fo'ks"k fjtoZ 108.35 0.00
fuos'k mrkj p<+ko fjt+oZ 0.00 464.91
jktLo fjt+oZ 1800.00 1387.34
LVkQ+ dY;k.k fuf/k 40.00 25.00
fuos'k fjtoZ 0.00 0.00
izLrkfor bZfDoVh ykHkka'k 809.54 225.87
çLrkfor vfèkeku ykHkka'k 0.00 0.00
ykHkka'k forj.k dj 0.00 0.00
lesfdr rqyui= esa vxzkuhr 'ks"k 1071.77 845.15
dqy fofu;kstu 4963.77 3747.15
çfr 'ks;j vk; #i;s esa ¼vkèkkjHkwr ,oa fefJr½ 33.99 27.88

,l-,y- tSu
çcaèk funs'kd ,oa eq[; dk;Zikyd vfèkdkjh
vÜouh dqekj bejku vehu fln~nhdh
dk;Zikyd funs'kd dk;Zikyd funs'kd
latho dkSf'kd funs ' kd vkfnR; xsgk
ljdkj }kjk ukfer funs'kd vkjchvkbZ }kjk ukfer funs'kd
Hkjr Ñ".k 'kadj ikfi;k lsuxqIrk
'ks;j/kkjd funs'kd 'ks;j/kkjd funs'kd
ckyeqdqan lgk; fo'os'k dqekj xks;y
va'kdkfyd xSj ljdkjh funs'kd va'kdkfyd xSj ljdkjh funs'kd
lkafofèkd dsaæh; ys[kk ijh{kd
—rs eSllZ JhjkeewfrZ ,.M daiuh —rs eSllZ jfo jktu ,.M daiuh ,y,yih —rs eSllZ ih ds ,Q Jh/kj ,.M laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Q vkj la[;k 003032,l ,Q vkj la[;k 009073,u @ ,u500320 ,Qvkj la[;k 003990,l @ ,l200018
,e- çR;q"kk lqfer dqekj ih- nsoh
lk>snkj lk>snkj lk>snkj
¼,e-la[;k 254141½ ¼,e- la[;k 512555½ ¼,e-la[;k 223137½
—rs eSllZ th uVslu ,.M daiuh —rs eSllZ ,l,vkjlh ,.M ,lksfl,V~l
lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la[;k 002424,l ,Q-vkj- la[;k 006085,u
ojy{eh eqjyh psru BDdj
lk>snkj lk>snkj
¼,e-la[;k 028863½ ¼,e-la[;k 114196½
LFkku % psUuS
fnukad% 11-05-2022 - 145 -
vuqlwph 1 & iw¡th (` djksM+ esa)
31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. izkf/kÑr iw¡th

izR;sd 10@& #i, ds 300]00]00]000 bZfDoVh 'ks;j 3000.00 3000.00

II. tkjh] vfHknRr vkSj vnk dh xbZ iw¡th

,- dsanz ljdkj }kjk j[ks x, izR;sd #i, 10@& ds 99]45]49]600 bZfDoVh 'ks;j
¼fiNyss o"kZ & #i, 10@& izzR;sd ds 99]45]49]600 bZfDoVh 'ks;j 'kkfey gSa½ 994.55 994.55

ch- turk }kjk j[ks x, izR;sd #i, 10@& ds 25]08]91]539 bZfDoVh 'ks;j
¼fiNyss o"kZ & #i, 10@& izzR;sd ds 13]48]16]970 bZfDoVh 'ks;j 'kkfey gSa½ 250.89 134.82
dqy 1245.44 1,129.37

vuqlwph 2 & vkjf{kr fuf/k;ka o vf/k'ks"k (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. lkafof/kd vkjf{kr fuf/k;ka
,½ vFk'ks"k 8649.75 4,694.20
ch½ o"kZ ds nkSjku tksM+* 986.21 3,955.55
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy I 9635.96 8,649.75
II. vkjf{kr iw¡th
,½ iquewZY;u vkjf{kr
,½ vFk'ks"k 5754.97 2,987.84
ch½ o"kZ ds nkSjku tksM+* 599.47 2,909.99
lh½ o"kZ ds nkSjku dVkSfr;k¡ 143.42 142.86
dqy ¼,½ 6211.02 5,754.97
ch½ vU;
,½ vFk'ks"k 962.79 388.55
ch½ o"kZ ds nkSjku tksM+* 147.90 574.24
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼ch½ 1110.69 962.79
dqy II ¼,++$ch½ 7321.71 6,717.76
III. 'ks;j izhfe;e
,½ vFk'ks"k 857.62 4,026.65
ch½ o"kZ ds nkSjku tksM+* 1533.93 15,806.50
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 18,975.53
dqy III 2391.55 857.62
IV. jktLo vkSj vU; vkjf{kfr;ka
jktLo vkjf{kr
,½ vFk'ks"k 13369.84 7,669.06
ch½ o"kZ ds nkSjku tksM+* 1800.00 5,557.92
lh½ iqueZwY;kadu vkj{kfr;ksa ls varfjr 143.42 142.86
Mh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼,½ 15313.26 13,369.84
- 146 -
 31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
ch½ vk;dj vf/kfu;e 36¼1½ ¼viii½ ds varxZr fo'ks"k fjtoZ
,½ vFk'ks"k 2181.35 725.52
ch½ o"kZ ds nkSjku tksM+* 108.35 1,455.83
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼ch½ 2289.70 2,181.35
lh½ vk;dj vf/kfu;e 36¼1½ ¼viii,½ ds varxZr fo'ks"k fjtoZ
,½ vFk'ks"k 58.20 58.20
ch½ o"kZ ds nkSjku tksM+ 0.00 0.00
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼lh½ 58.20 58.20
Mh½ fuos'k esa mrkj&p<+ko fjtoZ
,½ vFk'ks"k 1031.90 566.99
ch½ o"kZ ds nkSjku tksM+ 0.00 464.91
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼Mh½ 1031.90 1,031.90
bZ½ fuos'k fjtoZ
,½ fuos'k fjtoZ 186.38 47.80
ch½ o"kZ ds nkSjku tksM+* 0.00 138.58
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼bZ½ 186.38 186.38
,Q½ fons'kh eqnzk ysunsu fjtoZ
,½ vFk'ks"k 421.93 437.26
ch½ o"kZ ds nkSjku tksM+ 0.00 0.00
lh½ o"kZ ds nkSjku dVkSfr;k¡ 24.69 15.33
dqy ¼,Q½ 397.24 421.93
th½ vkbZvkj,l fjtoZ
,½ vFk'ks"k 1.91 0.00
ch½ o"kZ ds nkSjku tksM+* 0.00 1.91
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy ¼th½ 1.91 1.91
dqy (,$ch$lh$Mh$bZ$,Q$th) 19278.59 17,251.51
V. lekesyu fjtoZ
,½ vFk'ks"k 4006.91 0.00
ch½ o"kZ ds nkSjku tksM+ 0.00 4,006.91
lh½ o"kZ ds nkSjku dVkSfr;k¡ 0.00 0.00
dqy V 4006.91 4,006.91
VI. ykHk ,oa gkfu [kkrk
vFk'ks"k 845.15 556.71
o"kZ ds nkSjku tksM+ 4141.81 247.14
o"kZ ds nkSjku dVkSfr;k¡* 3915.19 18,934.23
'ks;j çhfe;e ls lek;kstu 0.00 18,975.53
dqy VI 1071.77 845.15
dqy (I+II+III+IV+V+VI) 43706.49 38,328.70

* foÙkh; o"kZ 2020&21 ds nkSjku tksM+us@?kVkus esa iwoZorÊ bykgkckn cSad fjtoZ 'kkfey gSA
- 147 -
vuqlwph 2, & vYika'k C;kt (` djksM+ esa)
31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
ewy m|e & vuq"kaxh dk laca/k mn~Hko gksus dh rkjh[k ij vYika'k C;kt 3.27 3.27
ijorhZ o`f) @ ?kVko 21.71 19.33
rqyu i= dh rkjh[k ij vYika'k C;kt 24.98 22.60

vuqlwph 3 & tek,¡ (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
¼,½ I. ekax tekjkf'k;ka
(i) cSadksa ls 125.60 289.29
(ii) vU; ls 36588.93 32,053.15
II. cpr cSad tekjkf'k;k¡ 211205.86 195,250.29
III.Lkkof/k tekjkf'k;ka¡
(i) cSadksa ls 6067.87 5,323.10
(ii) vU; ls 339582.62 305,113.97
dqy ¼I, II o III½ 593570.88 538,029.80
¼ch½ i Hkkjr esa 'kk[kkvksa dh tek,a 584613.72 529,222.92
ii Hkkjr ds ckgj 'kk[kkvksa dh tek,a 8957.16 8,806.88
dqy ch ¼ i o ii½ 593570.88 538,029.80

vuqlwph 4 & m/kkj (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. Hkkjr esa m/kkj
(i) Hkkjrh; fjt+oZ cSad 0.00 5,032.04
(ii) vU; cSad 7.07 4.95
(iii) vU; laLFkk,a vkSj ,tsalh 15286.53 14,948.82
II.Hkkjr ds ckgj m/kkj 1859.25 4,776.96
dqy ¼I o II½ 17152.85 24,762.77

vuqlwph 5 & vU; ns;rk,¡ vkSj izko/kku (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. ns; fcy 1585.17 1443.92
II. varj dk;kZy; lek;kstu ¼fuoy½ 0.00 5073.01
III. mifpr C;kt 994.22 1041.93
IV. vU; ¼izko/kku lfgr½ 15816.40 15703.07
dqy 18395.79 23261.93

- 148 -
vuqlwph 6 & Hkkjrh; fjtoZ cSad ds ikl udnh o 'ks"k (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. gkFk esa udnh ¼fons'kh eqnzk uksVksa lfgr½ 1962.45 1658.38
II.Hkkjrh; fjt+oZ cSad esa 'ks"k & -
(i) pkyw [kkrs esa 22092.01 25886.80
(ii) vU; [kkrksa esa 0.00 0.00
dqy 24054.46 27545.18

vuqlwph 7 & cSadksa esa vfèk'ks"k vkSj ek¡x vkSj vYi lwpuk ij izfrns; jkf'k (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. Hkkjr esa
(i) cSadksa esa 'ks"k
¼,½ pkyw [kkrksa esa 30.64 116.03
¼ch½ vU; tek [kkrksa esa 1413.81 2065.07
(ii) ek¡x vkSj vYi lwpuk ij izfrns; jkf'k
¼,½ cSadksa esa 34500.20 8900.00
¼ch½ vU; laLFkkvksa ds lkFk 0.00 0.00
dqy I ¼i o ii½ 35944.65 11081.10
II.Hkkjr ds ckgj
(i) pkyw [kkrs esa 503.98 1577.68
(ii) vU; tek [kkrksa esa 19453.09 11270.82
(iii) ek¡x vkSj vYi lwpuk ij izfrns; jkf'k 12.04 29.37
dqy II ¼i, ii o iii½ 19969.11 12877.87
dqy ;ksx ¼I o II½ 55913.76 23958.97

vuqlwph 8 & fuos'k (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. Hkkjr esa fuos'k
ldy fuos'k 180407.76 181348.95
?kVk,¡ % ewY;gªkl ,oa ,uihvkbZ gsrq izko/kku 5608.72 5382.93
fuoy fuos'k 174799.04 175966.02
(i) ljdkjh izfrHkwfr;ka 140854.58 157952.46
(ii) vU; vuqeksfnr izfrHkwfr;ka 7.25 9.14
(iii) 'ks;j 1214.57 996.38
(iv) fMcsapj vkSj ckW.M 30739.72 13653.87
(v) lg;ksxh laLFkkvksa esa fuos'k 1011.85 861.55
(vi) vU; 971.07 2492.62
dqy 174799.04 175966.02
II. Hkkjr ds ckgj fuEu esa fuos'k
ldy fuos'k 1800.52 2420.90
?kVk,¡ % ewY;gªkl ,oa ,uihvkbZ gsrq izko/kku 97.95 94.48
fuoy fuos'k 1702.57 2326.42
(i) ljdkjh izfrHkwfr;kaa ¼LFkkuh; izkf/kdkfj;ksa lfgr½ 1702.01 2304.10
(ii) lg;ksxh laLFkkvksa esa fuos'k 0.00 0.00
(iii) vU; fuos'k ¼fofufnZ"V djuk gSS½
¼,½ 'ks;j 0.56 0.60
¼ch½ _.k izfrHkwfr;k¡ 0.00 21.72
dqy 1702.57 2326.42
dqy ;ksx ¼ I o II½ 176501.61 178292.44

- 149 -
vuqlwph&9 vfxze (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
,- (i) Ø; fd, x, ,oa cV+~VkÑr fcy 3430.06 2131.35
(ii) udn m/kkj] vksoj Mªk¶+V vkSj ekax ij çfrns; m/kkj 245298.44 220090.98
(iii)Lkkof/k _.k 140457.57 140446.75
(iv) vU; 0.00 0.00
dqy ¼,½ 389186.07 362669.08
ch- (i) ewrZ vkfLr;ksa }kjk izfrHkwr ¼blesa cgh _.kksa ij vfxze 'kkfey gSa½* 322961.60 320789.57
(ii) cSad @ ljdkj xkjafV;ksa }kjk lajf{kr 39614.40 22887.66
(iii) vlqjf{kr 26610.07 18991.85
dqy ¼ch½ 389186.07 362669.08
lh- I Hkkjr esa vfxze
(i) izkFkfedrk {ks= 163407.16 156301.48
(ii) lkoZtfud {ks= 67147.92 64398.78
(iii) cSad 0.00 169.24
(iv) vU; 139011.85 131526.73
dqy ¼lh & I½ 369566.93 352396.23
lh II Hkkjr ds ckgj vfxze
(i) cSadksa ls ns; 11105.63 4475.58
(ii) vU; ls ns;
¼d½ Ø; fd, x, vkSj Hkquk;s x, fcy 2541.53 771.17
¼[k½ lkewfgd _.k 4650.75 3515.42
¼x½ vU; 1321.23 1510.68
dqy ¼lh & II ½ 19619.14 10272.85
dqy ;ksx ¼lh & I $ lh & II½ 389186.07 362669.08
* cgh _.k ds lkis{k esa vfxze lfgr # 67000-84 djksM+ ¼fiNys o"kZ # 63247-10 djksM+½

vuqlwph 10 & vpy vkfLr;ka¡ (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. ifjlj
iwoZorhZ o"kZ ds rqyu&i=kuqlkj ykxr @iqueZwY;kadu ij (*) 6866.57 6862.57
o"kZ ds nkSjku tksM+@lek;kstu 601.26 4.00
o"kZ ds nkSjku ?kVko 4.69 0.00
mDr rkjh[k rd ewY;gªkl 1415.80 1246.78
fuoy ewY; 6047.34 5619.79
I ,- fuekZ.kk/khu ifjlj 0.97 1.07
II. vU; vpy vkfLr;ka ¼Q+fuZpj @ fQ+Dlpj lfgr½
iwoZorhZ o"kZ ds rqyu i= ds vuqlkj ykxr ij 4666.96 4158.17
o"kZ ds nkSjku tksM+ 319.43 556.66
o"kZ ds nkSjku ?kVko 89.07 47.87
mDr rkjh[k rd ewY;gªkl 3757.47 3383.29
fuoy ewY; 1139.85 1283.67
II ,- iV~Vkd`r vkfLr;k¡
iwoZorhZ o"kZ ds rqyu i= ds vuqlkj ykxr ij 552.10 552.43
o"kZ ds nkSjku tksM+ 0.00 0.00
çkoèkku lfgr o"kZ ds nkSjku dVkSfr;k¡ 2.53 0.33
mDr rkjh[k rd ewY;gªkl 41.22 64.50
fuoy ewY; 508.35 487.60
III. iwath & fuekZ.kk/khu dk;Z ¼iV~Vkd`r vkfLr;k¡a½ & fuoy çko/kku 2.40 0.43
dqy % ¼I, I,, II, II, o III,½ 7698.91 7392.56

- 150 -
vuqlwph 11 & vU; vkfLr;k¡ (` djksM+ esa)
31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. varj dk;kZy; lek;kstu ¼fuoy½ 270.53 0.00

II. mifpr C;kt 2999.69 4142.80

III. vfxze :i ls iznRr dj @ lzksr ij dkVk x;k dj ¼fuoy½ 6440.81 6655.17

IV. ys[ku lkexzh ,oa LVkai 27.14 46.44

V. nkoksa dh iwfrZ ls çkIr dh xbZ x+Sj cSaddkjh vkfLr;k¡ 51.38 51.38

VI. LFkfxr dj vkfLr;k¡ ¼fuoy½ 3885.69 2851.41

VII.vU; 7066.38 11929.74

dqy 20741.62 25676.94

vuqlwph 12 & vkdfLed ns;rk,¡ (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. cSad ds fo#) nkos ftUgsa _.k ds :i esa Lohdkj ugha fd;k x;k gS 2159.16 953.37

II. vaa'kr% iznRr fuos'kksa ds fy, nkf;Ro 462.77 373.82

III. Ckdk;k ok;nk fofue; lafonkvksa ds ckcr nkf;Ro 306197.71 254856.84

IV.Lak?kVdksa dh vksj ls nh xbZ xkjafV;ka*

d- Hkkjr esa 21969.84 17792.78

[k- Hkkjr ds ckgj 300.68 379.99

V. Lohd`fr;ka] i`"Bkadu vkSj vU; nkf;Ro* 10837.92 9394.29

VI.vU; ensa ftuds fy, cSad vkdfLed :i ls mRrjnk;h gS 11658.74 9855.68

dqy 353586.82 293606.77

* vkdfLed ns;rk dks ekftZu ds fuoy ekuk x;k gS

vuqlwph 13 & vftZr C;kt+ (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. vfxzeksa @ fcyksa ij C;kt @cV~Vk 26927.55 27363.57

II. fuos'kksas ij vk; 10970.83 11170.35

III. Hkkjrh; fjt+oZ cSad vkSj vU; varj cSad fuf/k;ksa ds ikl vfr'ks"k ij C;kt 851.52 425.71

IV. vU; 111.75 148.45

dqy 38861.65 39108.08

- 151 -
vuqlwph 14 & vU; vk; (` djksM+ esa)
31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. deh'ku] fofue; vkSj nykyh 1181.89 1131.77
II. Hkwfe] Hkou vkSj vU; vkfLr;ksa ds foØ; ij ykHk 7.40 2.84
?kVko % Hkwfe] Hkou vkSj vU; laifÙk;ksa dh fcØh ij gkfu 4.35 3.26
fuoy 3.05 -0.42
III. fofue; laO;ogkjksa ij ykHk 689.99 406.22
?kVko % fofue; ysunsu ij gkfu 0.00 0.00
fuoy 689.99 406.22
IV. fuos'kksa ds foØ; ij ykHk ¼fuoy½ 1757.16 2261.90
?kVko % fuos'k dh fcØh ij gkfu 122.36 136.37
fuoy 1634.80 2125.53
V. fuos'kksa dss iqueZwY;kadu ij ykHk ¼fuoy½ 0.01 0.02
?kVko % fuos'k ds iqueZwY;kadu ij gkfu 343.25 429.08
fuoy -343.24 -429.06
VI. ¼,½ iV~Vk&foRr @ fdjk;k [kjhn ls vk; 0.02 0.04
¼ch½ fons'k @ Hkkjr esa vuq"kafx;ksa @ daaifu;ksa rFkk @ ;k lg m|eksa ls ykHkka'k
vkfn Lks vftZr vk; 26.79 12.45
VII.fofo/k vk; 4213.20 2864.87
dqy 7406.50 6111.40

vuqlwph 15 & O;; fd;k x;k C;kt (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. tekvksa ij C;kt 20933.43 22218.39

II. Hkkjrh; fjt+oZ cSad @ varj cSad m/kkjksa ij C;kt 248.46 400.90

III. vU; 947.36 819.51

dqy 22129.25 23438.80

vuqlwph 16 & ifjpkyuxr O;; (` djksM+ esa)

31.03.2022 31.03.2021
fooj.k dks lekIr o"kZ dks lekIr o"kZ
I. deZZpkfj;ksa dks Hkqxrku vkSj muds fy, izko/kku 6738.44 6411.62
II. fdjk;k] dj vkSj fctyh O;oLFkk 615.43 611.77
III. eqnz.k vkSj ys[ku lkexzh 85.85 58.53
IV. foKkiu vkSj izpkj 30.20 14.92
V. ,½ iV~Vkd`r vkfLr;ksa ds vykok cSad dh laifRr;ksa ij ewY;gªkl 600.68 633.17
ch½ iV~Vkd`r vkfLr;ksa ij ewY;gªkl 0.18 3.73
VI. funs'kdksa dh Qhl] HkRrs vkSj O;; 1.17 0.77
VII. ys[kk ijh{kdksa dh Qhl vkSj O;; ¼'kk[kk ys[kk ijh{kdksa dh Qhl vkSj O;; lfgr½ 47.64 63.29
VIII.fof/k izHkkj 20.26 23.66
IX. Mkd] rkj vkSj VsyhQksu vkfn 111.29 118.93
X. ejEer vkSj j[kj[kko 246.33 201.76
XI. chek 742.31 682.42
XII. vU; O;; 2113.76 1964.71
dqqy 11353.54 10789.28

- 152 -
 vuqlwph &17
eq[; ys[kkadu uhfr;k¡a
¼lesfdr½

1- ys[kkadu çFkk
tc rd vU;Fkk u dgk tk, foÙkh; fooj.kksa dks ,sfrgkfld ykxr
ifjikVh ij py jgs çFkkvksa dk vuqikyu djrs gq, rS;kj fd;k tkrk gSA
;g Hkkjr esa çpfyr lkafof/kd fl)karksa ds vuq:i gS ftlesa lkafof/kd
çko/kku] fofu;ked@Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'k] Hkkjrh; lunh
ys[kkdkj laLFkku }kjk tkjh ys[kk ekudksa@ekxZn'kZu uksV~l vkSj Hkkjr ds
cSafdax m|ksx esa çpfyr çFkk,a 'kkfey gSaA fons'kh 'kk[kkvksa ds laca/k esa
lacaf/kr ns'kksa esa çpfyr ra= lkafof/kd çko/kkuksa ds vuq:i gSA
2- çkDdyu dk ç;ksx
foÙkh; fooj.kksa dh rS;kjh ds fy,] fjiksfVaZx vof/k gsrq foÙkh; foojf.k;ksa
dh rkjh[k ij ntZ vkfLr;ksa ,oa ns;rkvksa ¼vkdfLed ns;rkvksa lfgr½ rFkk
vk; ,oa O;; ij fopkj djus gsrq çca/ku dks çkDdyu rS;kj djus vkSj
iwokZuqeku djus dh vko';drk gksrh gSA çca/ku] ;g fo'okl j[krk gS fd
foÙkh; foojf.k;ksa dh rS;kjh esa bLrseky fd;s x;s çkDdyu foosdh vkSj
mfpr gSaA
3- lesdu dh izfØz;k %
,- cSad dh ¼ewy laLFkk ,oa mldh vuq"kafx;ka] blds la;qä m|e½ lesfdr
foRrh; foojf.k;k¡] bafM;u cSad ¼ewy laLFkk½ vkSj mldh vuq"kafx;kas] ;Fkk
¼1½ baM cSad gkmflax fyfeVsM ¼2½ baM cSad epsaZV cSafdax lfoZlst+ fyfeVsM]
blds la;qä m|eksa ;Fkk ¼1½ ;wfuolZy lksEiks tujy bU';qjsal dks- fy-
¼2½ ,,lvkjbZlh ¼bafM;k½ fyfeVsM dh ys[kkijhf{kr foÙkh; foojf.k;ksa ds
vk/kkj ij rS;kj dh xbZ tksfd varj lewg ysunsuksa dks ,oa izkIr u fd,
x, ykHk @gkfu;ksa dks NksM+us ds ckn ;Fkko';d lek;kstu djds tgka Hkh
vU;Fkk mfYyf[kr u gks vkbZlh,vkbZ }kjk tkjh ys[k ekud 27
^^Qkbusaf'k;y jsiksfVaZx v‚Q baVjsLV bu tkbaV oSapj** ds vuq:i gSA ewy
laLFkk dh fjiksfVaZx rkjh[k rd vuq"kafx;ksa ,oa la;qä m|e dh foRrh;
foojf.k;k¡ Hkh cukbZ xbZ gSaA
lh- ewy laLFkk dks vkuq"kafxd laLFkk esa fuos'k ds fy, gqbZ ykxr vkSj vtZu dh
rkjh[k dks vuq"kaxh laLFkk esa ewy laLFkk dh bZfDoVh esa varj dks foRrh;
fooj.k esa iwath fjt+oZ@xqMfoy ds :i esa fy;k tkrk gSA vtZu ds ckn ds
ykHk@gkfu;ksa esa ewy laLFkk ds 'ks;j dk lek;kstu] jktLo fjt+oZ ds lkFk
fd;k tkrk gS A
Mh- ifjpkyu ds fuoy ifj.kke vkSj vuq"kaxh laLFkk dh laifRr esa vYi la[;d
ds gd als ykHk ,oa fuoy laIfRr;ksa dk og va'k n~;ksfrr gS tks vYila[;dksa
dks ns; gSA
bZ- ,lksfl;sVl esa fuos'k dk fglkc] ,lksfl;sVl ds ys[kk ijhf{kr foRrh;
fooj.kksa ds vk/kkj ij vkbZlh,vkbZ }kjk tkjh ys[kkdj.k ekud&23
¼,,l&23½ lesfdr foRrh; fooj.kksa esa ,lksfl;sVl esa fuos'k ds fy,
ys[kkadu ds vuqlkj bZfDoVh i)fr ds rgr fd;k tkrk gSA
4- fons'kh fofue; ls lacaf/kr ysunsu
ewy laLFkk
4-1 Hkkjrh; ifjpkyuksa vkSj xSj lekdfyr fons'kh ifjpkyu ds fons'kh eqæk
ysunsuksa dk ys[kkadu] Hkkjrh; lunh ys[kkdkj laLFkku ¼vkbZlh,vkbZ½
}kjk tkjh ys[kkdj.k ekud & 11 ¼,,l & 11½ ds vuqlkj fd;k tkrk gSA
4-2 Hkkjrh; ifjpkyuksa ds ekeys esa ifjorZu
ए½ fons'kh eqæk Mhyj vlksfl,'ku vkQ bafM;k ¼QsMk;½ }kjk vf/klwfpr
lkIrkfgd vkSlr nj ¼McY;w,vkj½ ij fons'kh fofue; ysunsu ntZ fd,
tkrs gSaA
बी½ fons'kh eqæk esa vkfLr;ksa ,oa ns;rkvksa dk ifjorZu] o"kkaZr ij QsMk; }kjk
vf/klwfpr lekiu njksa ij fd;k tkrk gSA
सी½ fons'kh eqæk esa Loh—fr;ka] i`"Bkadu vkSj vU; ck/;rk,a vkSj xkjafV;ksa dks
o"kkaZr ij QsMk; }kjk vf/klwfpr lekiu njksa ij j[kk tkrk gSA

ch- vuq"kafx;ka] la;qä m|e vkSj lg;ksxh laLFkk,a] lacaf/kr fofu;ked

izkf/kdkfj;ksa }kjk fu/kkZfjr ,oa lkafof/kd vis{kkvksa ds vuqlkj ys[kkdj.k
uhfr;ksa dk vuqikyu djrh gSaA vuqikyukFkZ visf{kr ,slh fofHkUu
ys[kkdj.k uhfr;ksa ds en~~nsutj] vf/kns'k@lkafof/kd vis{kkvksa ds vuq:i
lacaf/kr ys[kkdj.k uhfr;ksa dks viukrs gq, lesfdr foRrh; fooj.k rS;kj
fd, x, gSaA
डी½ foÙkh; o"kZ ds var esa fons'kh eqæk esa j[kh x;h vkfLr;ksa ,oa ns;rkvksa ds
fuiVku ,oa ifjorZu ls mBusokys fofue; varj dks] ml o"kZ esa gh vk; ;k
O;; ds :i esa igpkuk tkrk gS A
ई½ cdk;k ok;nk fofue; njksa dk çdVhdj.k lafonkxr njksa ls fd;k tkrk gS
rFkk QsMk; dh lekiu njksa ij mudk iquewZY;kadu fd;k tkrk gS ,oa
mlds ifj.kke dh igpku] ykHk o gkfu ys[ks ds tfj, dh tkrh gSA

- 153 -
4-3 xSj& lekdfyr fons'kh ifjpkyuksa ds laca/k esa ifjorZu
fons'kh 'kk[kkvksa dk oxhZdj.k] xSj lekdfyr fons'kh ifjpkyu ds :i esa
fd;k x;k gS vkSj foÙkh; fooj.kksa dk ifjorZu fuEuçdkj fd;k tkrk gS %
1- vkdfLed ns;rk,a lfgr vkfLr;ksa ,oa ns;rkvksa dk ifjorZu QsMk;
}kjk o"kkaZr esa vf/klwfpr njksa ij fd;k tkrk gSA
2- vk; ,oa O;; dk ifjorZu QsMk; }kjk lacaf/kr frekgh ds var ij
vf/klwfpr frekgh vkSlr lekiu nj ij fd;k tkrk gSA
3- fuoy fuos'kksa ds fuiVku rd mBusokys lHkh fofue; varj dks
**Q‚jsu djsalh Vªkalys'ku fjtoZ** ¼,QlhVhvkj½ uked i`Fkd fuf/k esa
mifpr j[kk tkrk gSA
5- fuos'k
ewy laLFkk
5-1-1 cSad ds fuos'k lafoHkkx dks Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds
vuqlkj fuEufyf[kr rhu çoxksaZ esa oxhZ—r fd;k x;k gS %
Ÿ ifjiDork rd j[ks x, ¼,pVh,e½
Ÿ fcØh gsrq miyC/k ¼,,Q,l½
Ÿ O;kikj ds fy, j[ks x, ¼,p,QVh½
ifjiDork rd jksd j[kus ds vk'k; ds lkFk çkIr dh xbZ çfrHkwfr;ksa dks
**,pVh,e** çoxZ ds varxZr oxhZ—r fd;k x;k gSA vYikof/k ds
ewY;/C;kt nj esa mrkj&p<+ko ls ykHk mBkdj O;kikj djus ds vk'k; ds
lkFk çkIr dh xbZ çfrHkwfr;ksa dks **,p,QVh** çoxZ esa oxhZ—r fd;k x;k
gSA vU; lHkh çfrHkwfr;k¡ tks mi;qZä nksuksa çoxksaZ esa ugha vkrh gSa] mUgsa]
**,,Q,l** çoxZ esa oxhZ—r fd;k x;k gSA
fuos'k dks mldh [kjhn@vtZu ds le; ij gh] ifjiDork rd /kkfjr]
fcØh ds fy, miyC/k vFkok O;kikj ds fy, miyC/k ds :i esa oxhZ—r
fd;k tkrk gS vkSj rnuUrj fu;ked fn'kkfunsZ'kksa ds vuq:i mudk
varj.k fd;k tkrk gSA ,d oxZ ls nwljs oxZ dks 'ks;jksa dk varj.k] ;fn
dksbZ gS] varj.k dh rkjh[k ij vtZu ykxr@cgh ewY;@cktkj ewY; esa ls
U;wure ewY; ij fd;k tkrk gS] vkSj ,sls varj.k ds fy, ewY;gkl gsrq iw.kZ
çko/kku fd;k tkrk gSA
vuq"kafx;ksa] la;qä m|eksa vkSj ,lksfl,V~l esa fuos'k dks ifjiDork rd
/kkfjr ds :i esa oxhZ—r fd;k x;k gSA
,pVh,e çoxZ esa j[kh x;h çfrHkwfr;ksa dh fcØh ij çkIr ykHk dks igys
ykHk o gkfu ys[kk esa fy;k tkrk gS vkSj ckn esa iwath çkjf{krh ys[kk ¼dj
pqdkus ds ckn dh jkf'k rFkk lkafof/kd fjtoZ dks varfjr dh tkusokyh
okafNr jkf'k½ esa fofu;ksftr fd;k tkrk gS rFkk gkfu] ;fn gks] dks ykHk o
gkfu ys[kk esa çHkkfjr fd;k tkrk gS%
5-1-2- Hkkjr esa fuos'kksa dk ewY;kadu Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds
leuq:i fuEukuqlkj fd;k tkrk gS %
- 154 -
,½ **,pVh,e** çoxZ esa çfrHkwfr dk ewY;kadu vtZu dh ykxr ij fd;k tkrk
gS flok; mu ekeyksa esa tgka vafdr ewY; ls vtZu ykxr vf/kd gksrh gks]
oSls ekeyksa esa] vafdr ewY; ij vtZu ykxr dh ,slh vf/kdrk dks
ifjiDork dh 'ks"k vof/k esa ifj'kksf/kr fd;k tkrk gSA vuq"kafx;ksa / la;qä
m|eksa / ,lksfl,V~l esa] ftUgsa ,pVh,e çoxZ esa 'kkfey fd;k x;k gS]
fuos'kksa ds ewY; esa] vLFkkbZ ç—fr ds vykok fdlh vU; ºzkl dh igpku
dh xbZ gS vkSj çko/kku fd;k x;k gSA ,sls ºzkl dk fu/kkZj.k vkSj blds
fy, çko/kku çR;sd fuos'k gsrq vyx ls fd;k tkrk gSA fnukad 23-08-
2006 ds ckn tksf[ke iw¡th fuf/k;ksa ds ;wfuVksa ¼ohlh,Q½@oSdfYid
fuos'k fuf/k ¼,vkbZ,Q½ esa fd;s x;s fuos'k] çkjafHkd 3 o"kZ dh vof/k ds
fy, ,pVh,e oxZ ds v/khu oxhZ—r fd;s tkrs gSa rFkk mudk ewY;kadu]
ykxr ij fd;k tkrk gSA
ch½ vuq"kaxh laLFkkvksa] la;qä miØeksa vkSj lg;ksxh laLFkkvksa esa fuos'k dk
ewY;kadu] ijaijkxr ykxr ij fd;k tkrk gSA çk;ksftr {ks=h; xzkeh.k
cSadksa esa fuos'k dk ewY;kadu] ogu ykxr ¼vFkkZr~ cgh ewY;½ ij fd;k
tkrk gSA
lh½ **,,Ql** çoxZ esa fuos'kksa dk ewY;kadu] cktkj ewY; ij] frekgh varjky
ij fLØiokj rFkk oxhZdj.kokj fd;k tkrk gSA ;fn dksbZ fuoy ewY;ºzkl
gks] rks mls ykHk&gkfu ys[kk esa 'kkfey fd;k tkrk gS] tcfd fdlh
fuoy ewY;o`f) gksus ij mldh mis{kk dj nh tkrh gsA bl çoxZ esa
cktkj dks vafdr djus ds ckn oS;fäd çfrHkwfr;ksa ds cgh ewY; esa dksbZ
ifjorZu ugha fd;k tkrk gSA
Mh½ **,p,QVh** çoxZ esa j[kh xbZ oS;fäd çfrHkwfr;ksa dks nSfud varjky
ij cktkj dks vafdr fd;k tkrk gSA fuoy ewY;ºzkl] ;fn dksbZ gks] rks
ykHk o gkfu ys[kk esa mldk çko/kku fd;k tkrk gS tcfd fuoy
ewY;o`f)] ;fn dksbZ gks] ml ij /;ku ugha fn;k tkrk gSA bl çoxZ esa
oS;fäd çfrHkwfr;ksa ds cgh ewY; esa dksbZ ifjorZu ugha gksrk gSA
**,,Q,l** ,oa **,p,QVh** çoxksaZ esa çfrHkwfr;ksa dk ewY;kadu
fuEuor~ fd;k x;k gS %
i) çkbesjh MhylZ ,lksfl,'ku vkQ bafM;k ¼ihMh,vkbZ½ vkSj fQDLM
bUde euh ekdsZV vkSj fMjkbosfVOl ,lksfl,'ku vkQ bafM;k
¼,QvkbZ,e,eMh,½@Qkbusafl;y csapekdZ bafM;k çkbosV fyfeVsM
¼,QchvkbZ,y½ }kjk la;qä :i ls ?kksf"kr fd, x, vuqlkj dsUæ
ljdkj dh çfrHkwfr;ksa dk ewY;kadu] ewY; ij@okbZVh,e njksa ij
fd;k tkrk gSA
ii) jkT; ljdkj vkSj vU; vuqeksfnr çfrHkwfr;ksa dk ewY;kadu]
okbZVh,e i)fr dks ykxw djrs gq, vkSj
ihMh,vkbZ@,QvkbZ,e,eMh,@,QchvkbZ,y }kjk j[kh xbZ
lerqY; ifjiDork dh dsUæ ljdkj dh çfrHkwfr;ksa ds çfrQy ls
25 csfll IokbaV c<+krs gq, vkof/kd :i ls fd;k tkrk gSA
iii) dksV gksus ij bZfDoVh 'ks;jksa dk ewY;kadu cktkj ewY; ij fd;k
tkrk gSA dksV u gksusokys bZfDoVh 'ks;jksa dks muds czsd&vi ewY;
ij ¼iwuewZY;u vkjf{kr fuf/k;ka] ;fn gks] ml ij /;ku fn, fcuk½]
daiuh ds uohure rqyui= ¼ewY;u dh rkjh[k ls ,d o"kZ ds igys
dk u gks½] ds vk/kkj ij ewY;kafdr fd;k tkrk gSA vU;Fkk 'ks;jksa dk
 ewY;kadu çfr daiuh ,d #i;k ds vuqlkj fd;k tkrk gSA
iv) dksV gksus ij vf/kekU; 'ks;jksa dk ewY;kadu cktkj ewY; ij fd;k
tkrk gS; vU;Fkk leqfpr okbZVh,e njksa vFkok iqu% 'kks/ku ewY; ds
vk/kkj ij fu/kkZfjr ewY;] nksuksa esa ls tks Hkh de gks] ml ewY; ij
fd;k tkrk gSA
v) vfxzeksa ds :i esa jgs fMcsapjksa rFkk ckaMksa ds vykok] lHkh fMcsapjksa
rFkk cka.Mksa dk ewY;kadu okbZVh,e vk/kkj ij fd;k tkrk gSA
vi) jktdks"k fcyksa] tek çek.k i=ksa rFkk okf.kfT;d dkxtkrksa dk
ewY;kadu mudh j[kko ykxr ij fd;k tkrk gSA
vii) dksV gksus ij E;wpqvy QaMksa dh ;wfuVksa dk ewY;kadu cktkj ewY; ij
fd;k tkrk gS; vU;Fkk iqu% [kjhn ewY; vFkok fuoy vkfLr ewY;
¼,u,oh½ nksuksa esa tks Hkh de gks] ml ewY; ij fd;k tkrk gSA ;fn
fuf/k;ka y‚d&bu vof/k esa gSa] tgka iqu%[kjhnh ewY;@cktkj dksV
miyC/k ugha gks rks] ;wfuVksa dk ewY;kadu ,u,oh ij vFkok y‚d&bu
vof/k dh lekfIr rd dh ykxr ij fd;k tkrk gSA
viii) 23-08-2006 ds ckn fd;s x;s tksf[ke iwath fuf/k;ksa ¼ohlh,Q½
@oSdfYid fuos'k fuf/k ¼,vkbZ,Q½ ds ;wfuVksa esa fuos'k] 3 lkyksa dh
çkjafHkd vof/k ds fy, ,pVh,e Js.kh esa oxhZ—r gksrs gS ,oa budk
ykxr ij ewY;kadu fd;k tkrk gSA laforj.k dh rkjh[k ls 3 lkyksa
ds le; ds ckn] ;g ,,Q,l esa ifjofrZr fd;k tk,xk vkSj Hkkjrh;
fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj cktkj ds fy, vafdr fd;k
tk,xkA
5-1-3- fons'kh 'kk[kkvksa ds fuos'k ds laca/k esa] Hkkjrh; fjt+oZ cSad ds
fn'kkfunsZ'k ;k estckuh ns'k ds fn'kkfunsZ'k] tks Hkh T;knk dBksj gaS]
dk ikyu fd;k tkrk gSA ,sls ns'kksa esa fLFkr 'kk[kkvksa ds ekeys esa]
tgk¡ dksbZ fn'kkfunsZ'k fofufnZ"V ugha fd, x, gSa] Hkkjrh; fjtoZ cSad
ds fn'kkfunsZ'kksa dk ikyu fd;k tkrk gSA
5-1-4- Hkkjrh; fjtoZ cSad }kjk tkjh fn'kkfunsZ'kksa ds vuqlkj vutZd fuos'k
¼,uihvkbZ½ dh igpku fuEufyf[kr :i esa fd;k x;k gS %
,½ çfrHkwfr;k¡@vlap;h vf/kekuh 'ks;j ftuesa C;kt@fu;r
ykHkka'k@fdLr ¼ifjiDork jkf'k dks feykdj½ ns; gS rFkk 90
fnu dh vof/k ls vf/kd le; rd mldk Hkqxrku ugha fd;k
x;k gSA
ch½ vxj cSad ls tkjhdrkZ }kjk çkIr dksbZ _.k lqfo/kk dks
xSj&fu"ikfnr vfxze ekuk x;k gS] rks mlh tkjhdrkZ }kjk tkjh
dh xbZ fdlh Hkh çfrHkwfr ftlesa vf/kekuh 'ks;j 'kkfey gS] esa
fuos'k dks ,uihvkbZ ds :i esa ekuk tk,xk vkSj blds foijhrA
gkykafd] vxj dsoy vf/kekuh 'ks;jksa dks ,uih, ds :i esa
oxhZ—r fd;k tkrk gS] rks mlh tkjhdrkZ }kjk tkjh dh xbZ
vU; fu"ikfnr çfrHkwfr;ksa esa fuos'k dks ,uihvkbZ ds :i esa
oxhZ—r ugha fd;k tk ldrk gS vkSj ml m/kkjdrkZ dks nh xbZ
- 155 -
fdlh Hkh fu"ikfnr _.k lqfo/kkvksa dks ,uih, ds :i esa ugha
ekuk tkuk pkfg,A
lh½ bfDoVh fuos'k] ,uihvkbZ ds :i esa oxhZ—r] 'ks;jksa dks cktkj
ewY; ij ewY;kafdr fd;k tkrk gSaA vxj m)`r fd;k x;k gS
vkSj ;fn bls m)`r ugha fd;k x;k gS ds ekeys esa] rks 'ks;jksa dk
ewY; çfr daiuh ` 1@& gksrk gSA
Mh½ dsUæh; ljdkj dh xkjaVh çkIr fuos'kksa ds vfrns; gksus ij Hkh
mUgsa rHkh ,uih, ekuk tk,xk tc xkjaVh ykxw dh tkus ij
ljdkj mldk fujkdj.k djrh gSA
bZ½ ;fn C;kt/ewy fdLr ¼ifjioäk laçkfIr;ksa dks 'kkfey djrs
gq,½ vFkok cSad dks ns; vU; dksbZ jkf'k] 90 fnuksa ls vf/kd ds
fy, vnÙk cuh jgrh gks] rks jkT; ljdkj }kjk çR;kHkwr
çfrHkwfr;ksa esa fuos'k dks] tksfd **ekus x, vfxzeksa* ds :i esa gSa]
vkfLr oxhZdj.k vkSj çko/kkuhdj.k ekunaMksa ds v/;/khu j[kk
tkrk gSA
5-1-5 çfrHkwfr;ksa dh ykxr esa ls nykyh/deh'ku/va'knkuksa ij çkIr
çksRlkgu dks ?kVk fn;k tkrk gSA çfrHkwfr;ksa ds vtZu ds laca/k esa
vnk dh x;h nykyh/deh'ku/LVkai 'kqYd dks jktLo O;; ekuk
tkrk gSA
5-1-6 O;kikj ds fy, C;kt nj LoSi ysunsuksa dks frekgh vk/kkj ij cktkj
dks vafdr fd, tkrs gSaA dqy vnyk&cnfy;ksa ds mfpr ewY; dk
vkdyu] rqyu&i= dh rkjh[k ij vnyk&cnyh djkjksa dks lekIr
fd, tkus ij çkIr/çkI; ;k çnÙk/çns; jkf'k ds vk/kkj ij fd;k
tk,xkA blls gksusokyh gkfu;ksa ds fy, iw.kZ çko/kku fd;k x;k gS]
tcfd ykHk ;fn gks] ij /;ku ugha fn;k tk,xkA
5-1-7 ,Dlpsat dkjksckj fons'kh fofue; MsfjosfVo ;kuh eqæk ok;ns dk
ewY;kadu ,Dlpsat }kjk fu/kkZfjr ewY;ksa ij fd;k tkrk gS vkSj
ifj.kkeh ykHk vkSj gkfu dh igpku ykHk vkSj gkfu ys[ks esa dh tkrh
gSaA
5-1-8 ,Qlh,uvkj ¼ch½ M‚yj tekvksa ds fy, Hkkjrh; fjtoZ cSad ds
fofue; LoSi dh lqfo/kk dh 'kq#vkr esa mRiUu gksusokys çhfe;e /
C;kt] LoSi vuqca/k dh vof/k ds nkSjku [kpZ ds :i esa ifj'kksf/kr
fd;k tkrk gSA
5-1-9 fuos'k dh dher ds fu/kkZj.k çR;sd oxZ esa Hkkfjr vkSlr dher i)fr
ds vk/kkj ij fd;k tkrk gSA ,pVh,e ds varxZr oxhZ—r fuos'kksa dks
Hkkfjr vkSlr dher i)fr ds rgr çkIr vf/kxzg.k dher ds vk/kkj
ij ys fy;k x;k gS rFkk Hkkfjr vkSlr dher ds vafdr ewY; ls
vf/kd gksus dh fLFkfr esa çhfe;e dks dsoy 'ks"k ifjiDork vof/k gsrq
ifj”kksf/kr dj fn;k tkrk gSA
5-1-10 jsiks ,oa fjolZ jsiks ysunsuksa ds fy, ys[kkdj.k %
Hkkjrh; fjtoZ cSd a ds fn'kkfuns'Z kkuqlkj rjyrk lek;kstu lqfo/kk,a
¼,y,,Q½] ifjorZuh; nj vof/k çpkyu rFkk ,e,l,Q ,oa ekdsVZ jsiksa
ysu&nsuksa dks 'kkfey djrs gq, Hkkjrh; fjtoZ cSad ds lkFk lHkh çdkj
ds jsiks] fjolZ jsiks ysunsuksa dk fglkc j[kk tkrk gSA
jsiks/fjolZ jsiks ds rgr csph xbZ vkSj [kjhnh xbZ çfrHkwfr;ksa dks
f=i{kh; jsiks ds :i esa fy;k tkrk gSa ftlesa] çfrHkwfr;ksa dks lkekU;
,deq'r fcØh / [kjhn ysunsuksa ds ekeys esa varfjr fd, tkrs gSa vkSj
bl çdkj ds çfrHkwfr ds mrkj &p<+ko] jsiks/fjolZ jsiks [kkrksa vkSj
çfr&çfof"V;ksa ds ç;ksx ls ifjyf{kr gksrk gSA mijksä çfof"V;k¡
ifjiDork dh rkjh[k ij çfrofrZr gks tkrh gSA ekeys ds vk/kkj ij
ykxr ,oa jktLo dks C;kt O;;/vk; ds :i esa fy;k tk,xkA jsiks
[kkrs esa 'ks"k] vuqlwph 4 ¼ m/kkj½ ds rgr oxhZ—r gS vkSj fjolZ jsiks
[kkrs esa 'ks"k] vuqlwph 7 ¼ cSadksa esa 'ks"k ,oa ekax rFkk vYi lwpuk ij
çkI; /kujkf'k½ ds rgr oxhZ—r gSA
vuq"kaxh daifu;k¡ %
5-2 baMcSad epsaZV cSafdax lfoZlst+ fyfeVsM
daiuh ds ikl j[ks lHkh fuos'k nh?kZdkfyd fuos'k gSaA vLFkk;h izÑfr ds
fuos'kksa ds vykok nh?kZdkfyd fuos'kksa dks gzkl ds fy, izko/kku ?kVkdj]
ykxr ij yk;k x;k gS A daiuh us dksV fd, x, 'ks;jksa ds ckt+kj ewY;
ij Hkjkslk djrs gq, 'ks;jksa@fM+caspjksa ds ewY; esa gzkl dks LFkk;h izÑfr ds
:i esa ekuk gS rFkk dksV u fd, x, 'ks;jksa ds ekeys esa cgh ewY;@mfpr
ewY;] nksuksa esa tks Hkh vf/kd gks] dks ekuk x;k gSA
5-3 baMcSad gkmflax fyfeVsM
fuos'kksa dks pkyw fuos'kksa vkSj nh?kZdkfyd fuos'kksa esa oxhZÑr fd;k x;k gSA
jk"Vª~h; vkokl cSad ds orZeku fn'kkfunsZ'kksa ds vuqlkj fuos'kksa dk ewY;kadu
izR;sd fuos'k ds fy, vyx&vyx :i ls] mudh ykxr vFkok ckt+kj
ewY; esa ls fuEurj njksa ij fd;k x;k gSA
6- çfrHkwrhdj.k daifu;ksa ¼,llh½ @iqufuZek.k daifu;ksa ¼vkjlh½ dks
csph xbZ foRrh; vkfLr;ka
ewy laLFkk %
6-1 çfrHkwfrdj.k daifu;ksa @ iqufuZek.k daifu;ksa }kjk] mUgsa csph xbZ foÙkh;
vkfLr;ksa ds laca/k esa tkjh dh xbZ çfrHkwfr jlhnksa dks muds çfrns; ewY;
vkSj foÙkh; vkfLr;ksa ds fuoy cgh ewY;] ls de Lrj ij ewY;kafdr fd;k
tkrk gSA çfrHkwfrdj.k jlhn dks fuEu ij ewY;kafdr fd;k tkrk gS
¼,½ fnukad 01-04-2017 ls igys ,lvkj@vkjlh tkjh fd, x, çfrHkwfr
jlhn dks ifjlEifÙk iqufuZek.k daiuh }kjk rqyu i= ds fnukad ij
?kksf"kr fuoy ifjlaifÙk ewY; ij ewY;kafdr fd;k tkrk gS vkSj
- 156 -
ewY;ºzkl gksus ij mlds fy, çko/kku fd;k tkrk gS rFkk ewY;o`f)
gksus ij mlij /;ku ugha fn;k tkrkA
¼ch½ 01 vçSy 2017 ds çHkko ls vkjchvkbZ }kjk tkjh fd, x, la'kksf/kr
fn'kkfunsZ'kksa ds vuqlkj ,lvkj ij çko/kku dh vko';drk fuEu
fcUnqvksa ls vf/kd gksxhA
(i) ,llh@vkjlh }kjk ?kksf"kr fuoy vkfLr ewY; ds lanHkZ esa çko/kku
nj
(ii) varfuZfgr _.k ij ykxw gksus okyh çko/kku nj] ;g ekurs gq, fd
_.k cSad dh cgh esa fujarj tkjh jgk gS
6-2 vkjlh dks csph x;h foÙkh; vkfLr;ksa ds ekeys esa mudk ewY;kadu vkSj
vk; dh igpku] Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'kksa ds vuqlkj fd;k tkrk
gSA vxj fcØh ewY;] fuoy cgh ewY; ¼,uchoh½ ls de gS ¼;Fkk] cgh ewY;
ls j[ks x;s çko/kku ?kVkus ds ckn dk ewY;½ rks Hkkjrh; fjtoZ cSad ds
fo|eku fn'kkfunsZ'kksa ds vuqlkj mlls gksusokyh deh dks ykHk o gkfu
[kkrs esa ukes Mkyk tk,xk ;k j[kh x;h vLFkk;h çko/kku dk ç;ksx djrs
gq, bldk leatu fd;k tk,xkA
6-3 ;fn çkIr udnh ¼vkjafHkd çfrQy vkSj/;k çfrHkwfr jlhnksa ds ekspu ds
tfj,½ vkjlh dks csph xbZ vutZd vkfLr;ksa ¼,uih,½ ds fuoy cgh ewY;
ls vf/kd gksrh gS rks vfrfjä çko/kku dks ykHk ,oa gkfu [kkrs esa
çR;kofrZr fd;k tkrk gSA ykHk ,oa gkfu [kkrs esa çR;kofrZr fd, x,
vfrfjä çko/kku dh çek=k ml lhek rd lhfer gS ftl lhek rd çkIr
udnh csph xbZ vutZd vkfLr;ksa ¼,uih,½ ds fuoy cgh ewY; ls vf/kd
gksrh gSA
7- vfxze
ewy laLFkk
7-1-1 Hkkjrh; fjtoZ cSad }kjk tkjh foosdiw.kZ ekun.Mksa ds vuqlkj Hkkjr esa
vfxzeksa dks m/kkjdrkZ&okj ekud] vo&ekud] lafnX/k vkSj gkfu vkfLr;ksa
ds :i esa oxhZ—r fd;k x;k gSA
7-1-2 xSj fu"iknd vfxzeksa ds fy, fuEukuqlkj izko/kku fd, x, gSa &
,½ voekud %
i. dqy cdk;k ij 15 çfr'kr dk lkekU; çko/kku
ii. çdVhdj.k gsrq 10 çfr'kr vfrfjä çko/kku tks çkjEHk ls gh vjf{kr
gSaA
¼vFkkZr] tgka çfrHkwfr;ksa dk okLrfod ewY; çkjEHk ls gh 10 çfr'kr ls
vf/kd ugha gS½
ch½ lafnX/k laoxZ & 1 % 8-1-3 Hkkjr esa bekjrksa dk ewY;ºzkl ¼tehu dh ykxr lfgr tgka
vfoHkkT;@vyx ugha gS½ vkSj vU; vpy laifÙk;ksa dks LVªsV ykbu
i. lqjf{kr Hkkx ds fy, 25 çfr'kr i)fr ls njksa / mi;ksx dh x;h le;&lhek ds vk/kkj ij fd;k tk,xk]
tSlk fd uhps of.kZr gS %
ii. vjf{kr Hkkx ds fy, 100 çfr'kr
Øa- vpy vkfLr;ksa dk fooj.k ewY;ºzkl dh nj @
la- mi;ksx dh x;h
lh½ lafnX/k laoxZ & 2 % le;&lhek
1- daI;wVj 33-33% çfro"kZ
i. lqjf{kr Hkkx ds fy, 40 çfr'kr
2- ,sls daI;wVj l‚¶Vos;j tks daI;wVj gkMZos;j
ii. vjf{kr Hkkx ds fy, 100 çfr'kr dk ,d vfHkUu vax gSa A 33-33% çfro"kZ
3- ,sls daI;wVj l‚¶Vos;j tks daI;wVj gkMZos;j
Mh½ lafnX/k oxZ& 3 ,oa gkfu vfxze & 100 çfr'kr
vkSj l‚¶Vos;j MsoyiesaV dh ykxr dk ,d
vfHkUu vax ugha gSa A 33-33% çfro"kZ
7-1-3 iquxZfBr / iqulaZjfpr ekud vfxze lfgr ekud vfxzeksa ds fy, Hkkjrh;
fjtoZ cSad ds funs'kksa ds vuqlkj çko/kku fd;k tkrk gSA 4- v‚VksesVsM Vsyj e'khu @ dS'k fMi‚ftV
e'khu@ Dokbu osafMax e'khu 20-00% çfro"kZ
7-1-4 fons'kh 'kk[kkvksa ds ekeys esa _.k gkfu;ksa ds fy, vk;&fu/kkZj.k] vkfLr 5- loZj 33-00% çfro"kZ
oxhZdj.k rFkk çko/kku] LFkkuh; vko';drkvksa vFkok Hkkjrh; fjtoZ 6- usVodZ midj.k 20-00% çfro"kZ
cSad ds foosdiw.kZ ekunaMksa esa ls tks Hkh vf/kd l[r gks] ds vuqlkj fd;k 7- vU; vpy vkfLr;ka vkfLr;ksa ds çeq[k lewg
tkrk gSA dk mi;ksx djus dh
vuqekfur le;&lhek
Hkkjrh; fjtoZ cSad }kjk tkjh fd;s x;s fofu;eksa ds laca/k esa vxj dksbZ fuEukuqlkj gS%
vkfLr dks cSad ds fons'kh cgh esa fdlh Hkh le; xSj& fu"ikfnr vkfLr ifjlj % 60 o"kZ
ds :i esa oxhZ—r fd;k tkuk gS rks cSad }kjk _.kdrkZ dks çnku dh frtksfj;ka@
xbZ lHkh lqfo/kkvksa rFkk _.kdrkZ }kjk tkjh dh x;h lHkh çfrHkwfr;ksa esa y‚dj@njokts
fuos'k dks ,uih,@,uihvkbZ ds :i esa oxhZ—r fd;k tk,xkA ¼LVhy½ % 20 o"kZ
okgu % 5 o"kZ
rFkkfi estcku fofu;kedksa }kjk [kkrksa dks olwyh ls vU; dkj.ko'k xSj
QuhZpj ,oa
fu"ikfnr@ckf/kr vkfLr;ksa ¼,uih,½ ds :i esa oxhZ—r fd;k tkrk gS] fQDLpj % 10 o"kZ
rks Hkkjr esa foÙkh; foojf.k;ksa ds lesdu djrs le;, mUgsa ,uih, ds
eksckby Qksu % 1 o"kZ
:i esa oxhZ—r fd;k tk,xk rFkk vko';drkuqlkj çko/kku fd;k
tk,xk] tcfd mlh çfri{kdkjksa dks vU; {ks=kf/kdkj esa ¼Hkkjr dks 8-1-4 o"kZ ds nkSjku csph xbZ @ vftZr dh xbZ laifÙk;ksa ds laca/k esa] o"kZ ds
lfEeyr dj½ çnÙk vU; _.k ,DLikstj ds laca/k esa vkfLr oxhZdj.k] nkSjku iwathdj.k dh rkjh[k ls @ laifÙk ds mi;ksx dh x;h le;&lhek
lacaf/kr {ks=kf/kdkj esa fo|eku fn'kkfunsZ'kksa ls vf/k'kkflr gksxkA ds fy, vkuqikfrd vk/kkj ij ewY;ºzkl fd;k tk,xkA
7-1-5 çdV fd;s x, vfxze] xSj&fu"ikfnr vkfLr;ksa] MhvkbZlhthlh@ 8-1-5 #i, 5000@& rd dh laifÙk dk iwjh rjg ls ewY;ºzkl mlh o"kZ fd;k
bZlhthlh@lhthVh,e,lbZ ls çkIr rFkk lek;kstu gsrq yafcr j[ks x, tk,xk ftl o"kZ mls [kjhnk x;k gksA
nkoksa] fofo/k [kkrs esa çkIr vkSj j[kh xbZ pqdkSfr;ksa] lgHkkfxrk
8-1-6 iquewZY;kadu ds le; ewY;kafdr dh xbZ ifjlaifÙk dks mlds mi;ksx gsrq
çek.k&i=ksa ,oa iqu% Hkquk;s x;s fe;knh fcyksa ds fy, fd, x, çko/kkuksa
'ks"k le;&lhek ds vk/kkj ij ewY;ºzkl fd;k tk,xk A
vkSj ekud vkfLr;ksa ds :i esa oxhZ—r iquZxfBr [kkrksa ds mfpr ewY; esa
vf/kR;kx ds cnys çko/kku ds ckn fuoy gSaA iquewZY;kadu ds dkj.k ifjlaifÙk ds 'kq) cgh ewY; esa o`f) dks ykHk vkSj
gkfu [kkrs ds ek/;e ls :V fd, fcuk iquewZY;kadu gsrq fjtoZ [kkrs esa
8 vpy vkfLr;ka@ ewY;gzkl
tek fd;k tk,xkA vkbZlh,vkbZ }kjk tkjh la'kksf/kr ,,l 10 ds
8-1 ewy laLFkk % vuqlkj] iquewZY;kadu ?kVd ls lacaf/kr ewY;ºzkl dks jktLo O;; ds rgr
çHkkfjr fd;k tk,xk vkSj ,d lerqY; jkf'k lh/ks iquewZY;kadu fjtoZ ds
8-1-1 vpy laifÙk;ksa dks ykxr@iquewZY;kadu jkf'k ?kVkdj lafpr
fo#) çHkkfjr fd;k tk,xk rFkk vkbZlh,vkbZ }kjk tkjh la'kksf/kr ,,l
ewY;ºzkl@ifj'kks/ku fd;k tkrk gSA 10 ds vuqlkj jktLo fjtoZ esa tek fd;k tk,xkA
8-1-2 ykxr esa [kjhn dh ykxr vkSj lHkh O;; tSls lkbV dh rS;kjh] LFkkiuk 8-1-7 mu vkfLr;ksa ds ekeys esa tgka ljdkj ls lfClMh çkIr gksrk gS] mldks
ykxr vkSj ifjlaifÙk dk mi;ksx djus ls iwoZ muij O;; fd, x, rRlacaf/kr vkfLr [kkrk esa tek fd;k tkrk gS vkSj rnuqlkj ewY;gªkl
o`fÙkd 'kqYd 'kkfey gSA mi;ksx esa vkus okyh ifjlEifÙk;ksa ij fd, x, çHkkfjr fd;k tkrk gSA
ckn ds O;; dk iwathdj.k rHkh fd;k tkrk gS tc ;g ,slh ifjlaifÙk;ka
mudh dk;Z {kerk ij Hkfo"; ds vkfFkZd ykHk dks c<+krh gSA 8-1-8 iêsokyh Hkwfe ij çhfe;e] vf/kxzg.k ds o"kZ esa iwath—r fd;k tkrk gS vkSj
iês dh vof/k ij ifj'kksf/kr fd;k tkrk gSA

- 157 -
8-1-9 fons'kh 'kk[kkvksa dh vpy vkfLr;ksa ds laca/k esa ewY;ºzkl dh O;oLFkk mu çHkkj] ØsfMV dkMksaZ ij foÙkh; çHkkj] iqu% {kfriwfjr djus ds cSad ds
ns'kksa esa çpfyr i)fr;ksa ds vuqlkj dh tkrh gSA vf/kdkj ij O;;, MsfcV dkMksaZ ij ,,elh çHkkj vkfn dks mudh olwyh
gksus ij fglkc esa fy;k x;k gS vkSj çkIr fd, x, y‚dj fdjk;k mip;
8-1-10 xSj&cSafdax vkfLr;ksa ¼,uih,½ ds laca/k esa dksbZ ewY;ºzkl çHkkfjr ugha
vk/kkj ij ys[kkafdr fd;k tkrk gSA
fd;k tkrk gSA
9-1-3 vfrns; fons'kh fcyksa ds ekeys esa] C;kt vkSj vU; çHkkjksa dks Hkkjrh;
vuq"kaxh daifu;k¡ %
fons'kh eqæk O;kikjh la?k ¼QsMkbZ½ ds fn'kkfunsZ'kksa ds vuqlkj
8-2 baMcSad epsaZV cSafdax lfoZlst+ fyfeVsM % fdLVªyhdj.k dh rkjh[k rd ekuk x;k gSA

vpy vkfLr;ksa dks ijEijkxr ykxr ij] lafpr ewY;gzkl vkSj {kfr ds vuq"kaxh daifu;k¡ %
fy, izko/kku ¼;fn dksbZ gks½ dks ?kVk dj crk;k tkrk gSA iV~Vs ij yh
9-2- baMcSad epsaZV cSafdax lfoZlst+ fyfeVsM
xbZ vkfLr;ksa ¼fnlacj 1997 ds igys lafonkÑr½ dks iV~Vk lek;kstu
[kkrs esa 'ks"k ds fy, vkxs lek;ksftr fd;k tkrk gSA ,½ b';w izca/ku 'kqYd vkSj vU; izca/kdh; lsokvksa ds fy, 'kqYd & leuqns'ku
iwjk gksus dh rkjh[k dks eku fy;k tkrk gSA
ewY;gªkl
ch½ foRrh; mRiknksa ds forj.k ij gkehnkjh deh'ku vkSj nykyh & va'knku
,½ iV~Vs ij nh xbZ vkfLr;ksa dks NksM+dj vU; vkfLr;ksa ij
C;kSjs izkIr gksus ij eku fy;k tkrk gSA
iV~Vs ij nh xbZ vkfLr;ksa dks NksM+dj vU; vkfLr;ksa ij daiuh] lh/kh
lh½ LVkWd czksfdax ifjpkyuksa ds v/khu nykyh dks lafonk ds iwjk djus ij
dVkSrh iz.kkyh ¼,l,y,e½ ;Fkkuqikr vk/kkj ij] daiuh vf/kfu;e] 2013
ys[kkafdr fd;k tkrk gSA
dh vuqlwph II esa fu/kkZfjr njksa ij ewY;gªkl dk izko/kku djrh gS A
lk¶+Vos;j ykxrksa dks] muds vtZu ds o"kZ ls rhu o"kksaZ dh vof/k ds fy, Mh½ vfrns; iV~Vk fdjk;s ij vkSj fdjk;k [kjhn fdLrksa ij C;kt ikorh
ifj'kksf/kr fd;k tkrk gSA vk/kkj ij ys[kakfdr fd;k tkrk gSA pw¡fd cgh [kkrksa esa cdk;k jkf'k ds
fy, iw.kZr% izko/kku j[kk x;k gS] izkIr jkf'k dks cdk, ewy/ku jkf'k ds
ch½ cUn ifjpkyuksa ds varxZr iznRr iV~Vsnkjh vkfLr;ksa ij %&
rgr rFkk 'ks"k] C;kt ds rgr dqN gks rks lek;ksftr fd;k tkrk gSA
ifjpkyu cUn djus ds rgr iV~Vsnkjh vkfLr;ksa ij daiuh ?kVrs ewY;
b½ ykHkka'k vk; dk vfHkKku rc fd;k tkrk gS] tc izkIr djus dk vf/kdkj
i)fr ij ;Fkkuqikr vk/kkj ij] ewY;gªkl dk izko/kku djrh gS rFkk ftl
LFkkfir fd;k tkrk gSA
eghus esa vkfLr laLFkkfir dh x;h gS] mls iw.kZ eghuk ekuk tkrk gSA
Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh iV~Vksa dk ys[kkdj.k ij ,Q½ okf"kZd j[kj[kko rFkk ysunsu izHkkj dks fMikftVjh izfrHkkxh ifjpkyuksa
ekxZn'kZu uksV ¼la'kksf/kr½ ds vuqlkj iV~Vk vkfLr;ksa dh ykxr dks iV~Vs ds v/khu dze'k% okf"kZd :i esa vkSj ysunsu lekfIr ij fy;k tkrk gSA
dh vof/k ds nkSjku iw.kZr% ifj'kksf/kr fd;k tkrk gSA lkafof/kd ewY;gªkl
9-3- baMcSad gkmflax fyfeVsM %
vkSj okf"kZd iV~Vk izHkkj esa varj dk lek;kstu] iV~Vk ledj.k ds t+fj,
fd;k tkrk gS] ftldk lek;kstu iV~Vk vk; ds lkFk fd;k tkrk gSA ,½ vk; dh igpku vkSj xSj fu"iknd vkfLr;ksa ds fy, izko/kku us'kuy
gkmflax cSad ds foosdh ekunaMksa dk ikyu fd;k tkrk gSA
baMcSad gkmflax fyfeVsM %
ch½ vkokl _.kksa dh iqujnk;xh] lehÑr ekfld fdLrksa ¼bZ,evkbZ½ ds
8-3 vpy laifRr;ksa dks ykxr ij iwathÑr fd;k tkrk gS vkSj ykxr ls
tfj,] dh tkrh gS] ftlesa ewy/ku vkSj C;kt jkf'k 'kkfey gSaA lacaf/kr
ewY;gzkl ?kVkdj n'kkZ;k x;k gSA ewY;gzkl dk ifjdyu daiuh
v/kZ&o"kZ@o"kZ ds vkjafHkd 'ks"k ij izR;sd v/kZ&o"kZ ij C;kt dk
vf/kfu;e 2013 dh vuqlwph II esa nh xbZ njksa ij ewY;gzkfLkr i)fr ls
ifjdyu fd;k tkrk gSA iwjs _.k ds forj.k ds ckn bZ,evkbZ vkjaHk
fd;k tkrk gSA
gksrh gSaA bZ,evkbZ ds izkjaHk gksus ds le; rd] bZ,evkbZ&iwoZ C;kt ns;
9- jktLo vfHkKku gS rFkk ekfld vk/kkj ij bldk vfHkKku fd;k tkrk gSA

ewy laLFkk 10- ØsfMV dkMZ fjokMZ ikbaV

9-1-1 vk; vkSj O;; dks] tc rd vU;Fkk ugha dgk tk,] lkekU;r% lap;h dkMZ lqfo/kk ds mi;ksx ij dkMZ lnL;ksa }kjk vftZr fjokMZ ikbaVksa dks
vk/kkj ij fglkc esa fy;k tkrk gSA bl çdkj ds mi;ksx ds dkj.k O;; ds :I esa tkuk tkrk gSA

9-1-2 xSj&fu"iknd vkfLr;ksa] ljdkj }kjk xkjaVh—r vkfLr;ksa ¼t® 90 fnu®a ls 11- fuoy ykHk@gkfu
T;knk vfrns; gSa½ ykHkka'k vk;] chek nkos] tkjh fd;s x;s lk[k&i=ksa @
fuEufyf[kr ij fopkj djus ds i'pkRk ykHk o gkfu ys[ks esa n'kkZ;k x;k
xkjafV;ksa ij deh'ku ¼ifj;kstuk foÙk ls brj½] cSad,';wjsUl mRiknksa ij
ifj.kke %
vk;] /ku çca/ku ij vk;] [kjhns x, fcyksa ij vfrfjä C;kt@vfrns;

- 158 -
Ÿ xSj fu"iknd vfxzeksa vkSj @ vFkok fuos'kksa ds fy, çko/kku 12-1-5- vU; deZpkjh ykHk

Ÿ ekud vfxzeksa ij lkekU; çko/kku vU; deZpkjh lqfo/kk,¡ tSls Nqêh ;k=k fj;k;r vkSj lsokfuo`fÙk ij vfrfjä
lsokfuo`fÙk ykHk] chekafdd ewY;kadu ds vk/kkj ij miyC/k djok, tkrs gSaA
Ÿ iqu% lajfpr vfxzeksa gsrq çko/kku
fons'kh 'kk[kkvksa ,oa dk;kZy;ksa esa çfrfu;qfä ds vykok dk;Zjr deZpkfj;ksa ls
Ÿ vpy vkfLr;ksa ij ewY;ºzkl ds fy, çko/kku lacfU/kr ykHk rRlaca/kh dk;kZf/kdkj {ks=ksa ds dkuwu ds rgr ewY;kafdr ,oa
ys[kkc) fd, tkrs gSaA
Ÿ fuos'kksa ij ewY;ºzkl ds fy, çko/kku
vuq"kaxh daifu;k¡
Ÿ vkdfLedrk fuf/k dks @ ls varj.k
baM cSad epsaZV cSafdax lsok,a fy-
Ÿ çR;{k djksa ds fy, çko/kku
12-2 vYi dkfyd deZpkjh fgrksa @ck/;rkvksa dk izkDdyu dj izko/kku
Ÿ vjf{kr fons"kh eqæk ,Dlikstj ds fy, çko/kku fd;k x;k A
Ÿ lkekU; vFkok @vkSj vU; vko';d çko/kku xzsP;qfV & xzsP;qfV] tksfd vgZ deZpkfj;ksa dks doj djusokyh ,d ifjHkkf"kr
lsokfuo`fRr ykHk ;kstuk gS] ds izfr vuq"kaxh dk nkf;Ro gSA ;kstuk esa
12 LVkQ lsokfuo`fÙk ykHk
lsokfuo`fRr] fu;kstu esa jgrs e`R;q vFkok fu;kstu lekiu ij fufgr deZpkfj;ksa
ewy laLFkk dks lekIr izR;sd o"kZ ds fy, 15 fnuksa ds osru ds cjkcj dh jkf'k nsus dk
izko/kku gSA ikap o"kkZsa dh lsok dh lekfIr ij osfLVax 'kq: gksrh gSA U;kl ds :i
12-1-1 Hkfo"; fuf/k
esa LFkkfir xzsP;qfV fuf/k dks vuq"kaxh Hkkjrh; thou chek fuxe ds lkFk lewg
Hkfo"; fuf/k ,d oS/kkfud nkf;Ro gS vkSj va”knk;h Hkfo"; fuf/k dk fodYi xzSP;qfV ikWfylh ds t+fj, okf"kZd va'knku nsrh gSA xzsP;qfV ds izfr vuq"kaxh dh
pquusokyksa ds ekeys esa cSad iwoZfu/kkZfjr njksa ij fuf'pr va'knku vnk djrk gSA ns;rk dk chekafdd fu/kkZj.k rqyu i= dh rkjh[k ij iz{ksfir ;wfuV tek
,sls fuf'pr va'knku dh jkf"k rd gh cSad dk nkf;Ro lhfer gSA bu va'knkuksa ¼ih;wlh½ i)fr dk iz;ksx djrs gq, fd;k tkrk gSA chekafdd ykHk o gkfu dk
dks ykHk ,oa gkfu ys[ks esa çHkkfjr fd;k tkrk gSA fuf/k dk çca/k bafM;u cSad jktLo esa vfHkKku fd;k tkrk gSA
LVkQ Hkfo"; fuf/k U;kl }kjk fd;k tkrk gSA
Hkfo"; fuf/k & vuq"kaxh ds vgZ deZpkjh] Hkfo"; fuf/k tksfd ,d ifjHkkf"kr
12-1-2 minku va'knku ;kstuk gS ds rgr ykHk izkIr djus gsrq gd+nkj gSa ftlesa doj fd, x,
deZpkjh ds osru ds ,d fufnZ"V izfr'kr ij nksuksa deZpkjh ,oa vuq"kaxh ekfld
bafM;u cSad deZpkjh minku fuf/k fu;eksa ,oa fofu;euksa ds vuqlkj minku va'knku nsrs gSa] fof/k ds rgr ;Fkk fufnZ"V va'knku Hkfo"; fuf/k dks vkSj Hkfo";
ns;rk ,d oS/kkfud nkf;Ro gS vkSj foÙkh; o"kZ ds var esa fd, x, chekafdd fuf/k izkf/kdkfj;ksa ds lkFk j[kh x;h isa'ku fuf/k dks vnk fd, tkrs gSaA
ewY;kadu ds vk/kkj ij blds fy, çko/kku fd;k tkrk gSA cSad }kjk minku
ns;rk dk fu/kh;u fd;k tkrk gS vkSj bldk çca/k bafM;u cSad deZpkjh minku NqV~Vh dh HkqukbZ % bafM;u cSad ls izfrfu;qDr LVkQ+ ls vU; deZpkfj;ksa dh
fuf/k U;kl }kjk fd;k tkrk gSA NqV~Vh dh HkqukbZ dh ns;rk ds fy,] izR;sd rqyu i= dh rkjh[k ij u yh xbZ
NqV~Vh ds fnuksa ds vk/kkj ij chekafdd vk/kkj ij izko/kku fd;k tkrk gSA
12-1-3- isa'ku
bafM;u cSad ls izfrfu;qfDr ij jgs LVkQ dh lsokfuo`fRr ykHk ns;rk] ;ksX;
,½ bafM;u cSad ¼deZpkjh½ isa'ku fofu;eu 1995 ds rgr isa”ku ns;rk ,d Hkfo"; fuf/k va'knku ds vykok bafM;u cSad }kjk ogu dh tkrh gSA
ifjHkkf"kr ykHkdkjh nkf;Ro gS rFkk 31-03-2010 rd cSad esa HkrhZ gq, vkSj
isa'ku dk fodYi nsusokys deZpkfj;ksa dks ;g chekafdd ewY;kadu ds baMcSad gkmflax fyfeVsM %
vk/kkj ij çnku dh tkrh gSA
12-3- Hkfo"; fuf/k esa va'knku] {ks=h; Hkfo"; fuf/k vk;qDr ds ikl fd, tkrs gSaA
ch½ ubZ isa'ku ;kstuk ¼,uih,l½ tks mu deZpkfj;ksa ij ykxw gksrh gS] ftudh
xzwi xzsP;qfV ;kstuk ds vUrxZr xfBr U;kl }kjk xzsP;qfV ns;rk doj fd;k tkrk
HkrhZ cSad esa 01-04-2010 ds ckn gqbZ gS vkSj ;g ,d ifjHkkf"kr va'knku
gSA U;kl us Hkkjrh; thou chek fuxe ls lewg xzsP;qfV ikWfylh [kjhnh gS vkSj
;kstuk gSA ,uih,l ds varxZr cSad iwoZ fu/kkZfjr nj ij ,d fuf'pr
okf"kZd izhfe;e] U;kl ds t+fj, vnk fd;k tkrk gSA
va'knku vnk djrk gS vkSj cSad dk nkf;Ro ,sls fuf'pr va'knku rd
lhfer gSA bl va'knku dks ykHk ,oa gkfu [kkrs esa çHkkfjr fd;k tkrk gSA NqV~Vh dh HkqukbZ dh ns;rk ds fy, chekafdd vk/kkj ij izko/kku fd;k tkrk gSA

12-1-4- {kfriwfrZ vuqifLFkfr;k¡ 13- iV~Vs gsrq ys[kkadu

lafpr {kfriwfjr vuqifLFkfr;k]¡ tSls fo'ks"kkf/kdkj vodk'k vkSj ifjpkyuxr iêksa ij yh xbZ vkfLr;ksa gsrq iêk Hkqxrkuksa dks dher o`f) lfgr
fpfdRlk vodk'k] ds fy, chekafdd ewY;kadu ds vk/kkj ij çko/kku iêk vof/k ;k vkfLr dh vof/k] Hkh tks de gks, ds nkSjku ykHk o gkfu [kkrs esa
fd;k tkrk gSA vfHkKkr fd;s tkrs gSaA

- 159 -
14- vkdfLed ns;rk,¡ vkSj izko/kku %
14-1 vkdfLed ns;rk,a % lakfor ;k orZeku nkf;Ro¨a dh vksj ys tkus okyh
fiNyh ÄVukv¨a d¨ fuEufyf[kr ekey¨a esa vkdfLed nkf;Ro d¢ :i esa
ekU;rk nh tkrh gS tgka%
¼,½ ,slh ck/;rkvksa ds ekStwn jgus dh ckr iqf"VÑr ugha dh xbZ gS
¼ch½ ,slh ck/;rkvksa dks fuiVkus ds fy, lalk/ku dk cfgxZeu
vko';d ugha gS
¼lh½ ck/;rkvksa dh jkf'k ds fy, dksbZ fo'oluh; vuqeku ugha fd;k
tk ldrk
¼Mh½ ,slh jkf'k;ka HkkSfrd ugha gSa]
14-2 ¼,½ orZeku ck/;rkvksa ds laca/k esa rc izko/kku dks ekuk tkrk gS] tc
fo'oluh; vkdyu fd;k tk ldrk gS vkSj @ ;k lalk/kuksa dk
cfgxZeu laHkkfor gS] ftuesa cgqr NksVs nkoksa dks NksMdj 'ks"k
ekeyksa esa vkfFkZd ykHkksa dks R;kxuk iM+ ldsaA
¼ch½ Ckktkj tksf[ke] ns'k tksf[ke vkfn ds fy, izko/kku Hkkjrh; fjt+oZ
cSad ds orZeku vuqns'kksa ds vuqlkj fd;s tkrs gSaA
¼lh½ cSad izcU/ku }kjk vfHkKkr fd;s vuqlkj Q~yksfVax izko/kku fd;k
tkrk gSA
Hkkjrh; fjtoZ cSad ds orZeku fn'kkfunsZ'kksa ds vuqlkj Q~yksfVax izko/kku dk
iz;ksx fuEufyf[kr gsrq fd;k tk ldrk gS
(i) xSj&fu"iknd vkfLr;ksa gsrq fo'ks"k izko/kku djuk
(ii) xSj&fu"iknd vkfLr;ksa dh fcØh esa fdlh deh dh iwfrZ djuk
15- vkfLr;ksa dk vutZd gksuk %
vpy vkfLr;ksa ¼iquewZY;kafdr vkfLr;ksa lfgr½ ds laca/k esa vkfLr;ksa dh
gkfu ;fn dksbZ gks] ys[kk ekud 28 ÞvkfLr;ksa dk vutZd gksukß ds
- 160 -
vuq:i igpkuh tkrh gS vkSj mUgsa ykHk ,oa gkfu ys[ks esa çHkkfjr fd;k
tkrk gSA rFkkfi] iquewZY;kafdr vkfLr ij vutZd gkfu dks ml vkfLr
ds fy, j[kh x;h iquewZY;kafdr vf/k'ks"k jkf'k ds rgr vfHkKkfur fd;k
tkrk gS tcrd mlh vkfLr ds fy, iquewZY;kafdr vf/k'ks"k jkf'k esa j[kh
x;h jkf'k vutZd vkfLr ls vf/kd u gksA
16- vk; ij dj %
16-1 orZeku dj ,oa vkLFkfxr dj nksuksa ds fy, dj gsrq çko/kku fd;k tkrk
gSA
16-2 orZeku dj dk ekiu] dj çkf/kdkfj;ksa dks vnk dh tkusokyh çR;kf'kr
jkf'k ds vuqlkj ykxw dj njksa] dj dkuwuksa ,oa vuqdwy U;kf;d QSlyksa
@fof/kd jk; dk ç;ksx djrs gq, fd;k tkrk gSA
16-3 le; esa varj ds dkj.k mRiUu gksusokyh vkLFkfxr dj vkfLr;ka ,oa
ns;rk,a] tksfd vkusokyh vof/k;ksa esa fjolZy dh {kerk j[krh gks] dh
igpku] rqyu&i= dh frfFk rd ykxw dj nj ;k ckn esa ykxw fd, x,
dj njksa dk ç;ksx djrs gq, dh tkrh gSA vkLFkfxr dj vkfLr;ksa dh
igpku 'ks"k vlaxr ewY;ºzkl rFkk dj ?kkVs ij dh tkrh gS] ;fn dsoy
ÞopqZvy fuf'prrkß gS rFkk vU;ksa ds laca/k esa] ;fn i;kZIr Hkfo"; dj
;ksX; vk; miyC/k gksxh] ftlls ,slh vkLFkfxr dj vkfLr;k¡ mxkgh
tk,axhA
17- ifjpkyuksa dks cUn djuk %
baM cSad epsaZV cSafdax lfoZlsl fy- ds laca/k esa ifjpkyuksa dks cUn djus ds
fy, viuk;h tkusokyh ys[kkadu uhfr;k¡] ifjpkyuksa dks tkjh j[kus ds
fy, viuk;h tkusokyh ys[kkadu uhfr;ksa ds leuq:i gSaA
 vuqlwph&18
lesfdr foRrh; foojf.k;ksa ds fy, ys[kksa ij fVIif.k;ka ¼2021&22½

1- vuq"kafx;ka %
Øe la- vuq"kaxh dk uke cSad dh 'ks;j/kkfjrk
, baMcaSad epsZaV cSafdax lfoZlst+ fy- 64-84%
ch baMcSad gkmflax fy- 51-00%

2- lg;ksxh %
Øe la- lg;ksfx;ksa dk uke 'ks;j/kkfjrk dk <kapk
, rfeyukMq xzke cSad 35%
ch lIrfxfj xzkeh.k cSad 35%
lh iqnqobZ Hkkjfr;kj xzke cSad 35%

3- la;qä m|eksa esa fuos'k ds fy, ys[kkadu ¼,,l 27½ ¼` djksM+ esa½
laLFkk dk uke ns'k/fuokl laca/k LokfeRo fgr 'ks;j/kkfjrk dh jkf'k
;wfuolZy lksEiks tujy ba';ksjsal daiuh fyfeVsM Hkkjr la;qä m|e 28-52% 105-00
,,lvkjbZlh ¼bafM;k½ fyfeVsM Hkkjr la;qä m|e 38-26% 37-50

4- ys[kk lek/kku ,oa lek;kstu

ewy laLFkk%
,½ varj 'kk[kk ys[kksa dk ys[kk lek/kku 31-03-2022 rd iwjk fd;k tk pqdk gSA cSad us fofHkUu dkjxj mik;ksa ds }kjk vkbZchth, esa iqjkuh cdk;k izfof"V;kas
ds Lrj esa deh ykbZ gSA 'ks"k cdk;k izfof"V;ksa ds lek;kstu dk dk;Z izxfr ij gSA izcU/ku ds vuqlkj 5747 vkbZchth, tek izfof"V;k¡ dqy : 4-86
djksM+ jkf'k dh gSa tksfd 01-03-2009 ds iwoZ dh vof/k ls lacaf/kr gSaA
ch½ 31-03-2022 rd varj 'kk[kk ys[kksa esa 6 eghuksa ls vf/kd ds fy, cdk;k vlek'kksf/kr izfof"V;ksa ds laca/k esa fuoy tek fLFkfr dks /;ku esa j[krs gq,
izko/kku dh dksbZ vko';drk ugha gSA
lh½ ns; Mªk¶+V] lek'kks/ku lek;kstu] fofo/k izkI; jkf'k;k¡] fofo/k tek [kkrs vkfn esa vkSj Hkkjrh; fjtoZ cSad rFkk vU; cSadksa ls lacaf/kr cSad lek/kku esa
iqjkuh cdk;k izfof"V;kas ds leqfpr lek;kstu ds fy, fu;fer iqujh{kk dh tkrh gSA
Mh½ dqN 'kk[kkvksa esa vuq"kaxh cfg;ksa@jftLVjksa dk rqyu vkSj lkekU; cfg;ksa ds lkFk ys[kk lek/kku izxfr ij gSA izca/ku dh jk; esa [kkrksa ij mi;qZDr fo"k;ksa
dk ifj.kkeh foRrh; izHkko cgqr T;knk ugha gksxkA
5- vpy vkfLr;ka
ewy laLFkk%
5-1
cSad ds ifjlj esa Hkwfe 'kkfey gS rFkk bls iwuewZY;kafdr jkf”k ij fy;k x;k gSA cSad us 28-02-2022 dks foRrh; o"kZ 2021&22 ds fy, vius ifjlj dk
iquewZY;kadu vuqeksnfr ckg~; ewY;kaddksa }kjk mfpr ckt+kj ewY; ij fd;k gSA ifjlj ds iqueZwY;kadu dh jkf'k esa #- 599-48 djksM+ dh o`f) gqbZ gS] ftls
**iwuewZY;kadu vkjf{kr [kkrs** esa tek fd;k x;kA
o"kZ 2021&22 ds fy, O;; ds rgr 147-27djksM+ dh jkf’k ¼fiNys o"kZ &149-63 djksM+½ ewY;gzkl gsrq izHkkfjr fd;k x;k rFkk vkSj 140-24 djksM+ dh
jkf'k ¼fiNys o"kZ 142-87 djksM+½ ds iqueZwY;kafdr va'k ij ewY;ºzkl dks **iwuewZY;kadu vkjf{kr [kkrs** esa lek;ksftr fd;k x;kA
5-2 fuEufyf[kr laifÙk;ksa ds fy, iathdj.k vkSipkfjdrk,a iwjh dh tkuh ckdh gSa %
ifjlj esa 8-38 djksM+ ¼foxr o"kZ 8-38 djksM+ ewY; dh 9 ¼7+2*½ laifÙk;k¡½ ewY; dh 9 ¼7+2*½ laifÙk;k¡ gSa ftudh ewy @ iqueZwY;kadu cqd oSY;w
66-74 djksM+ #i;s ¼foxr o"kZ & 59-74djksM+ #i;s½] fuoy ewY;ºzkl 1-46 djksM+ #i;s ¼foxr o"kZ 1-40 djksM+ #i;s½ gS] ftlds fy, iathdj.k çfØ;k
yafcr gSA

- 161 -
 *gSnjkckn esa #i;s 1-61 djksM+ dh ykxr dh laifÙk] tgka ;w,ylh çkfèkdj.k ds le{k eatwjh yafcr gS vkSj psUuS esa #i;s 2-32 djksM+ #i;s dh ykxr
dh lEifÙk gS] tgka Mhvkj,Vh us varfje jksd yxk;h gSA
5-3 vkjf{kfr;ksa esa deh % ¼` djksM+ esa½
vkjf{kfr;ka vkgfjr jkf'k mís';
o"kZ 2021-22 2020-21

iquewZY;u vkjf{kr 143.42 142.87 ifjlj ds iquewZY;kafdr Hkkx ij ewY;ºzkl *

* ,,l&10 ekudksa ds çko/kkuksa ds vuqlkj jkf”k dks jktLo fjt+oZ [kkrs esa tek fd;k x;kA

6- dksfoM&19 mik;
nqfu;k Hkj esa dksfoM&19 ds çlkj ds ifj.kkeLo:i vkfFkZd xfrfofèk;ksa esa fxjkoV vkbZ vkSj foÙkh; cktkjksa esa vfLFkjrk c<+ xbZA bl fLFkfr esa] gesa yxkrkj
pqukSfr;ka fey jgh gSa vkSj cSad lHkh ekspksZa ij mudk pqukSfr;ksa dk lkeuk djus ds fy, [kqn dks rS;kj dj jgk gSA ;g vfu”fprrk tkjh gS rFkk fLFkfr dk fujarj
ewY;kadu dj jgk gSA dksfoM &19 egkekjh] cSad ds ifj.kkeksa dks fdl gn rd çHkkfor djsxh] ;g Hkfo"; esa fodflr gksus okys dkjksckjh ekgkSy ij fuHkZj
djsxkA dksfoM&19 egkekjh cSad ds ifj.kkeksa dks fdl gn rd çHkkfor djsxh] ;g Hkfo"; ds vR;f/kd vfuf'pr ?kVukØe ij fuHkZj djsxkA çnÙk dk;Z'khy
iwath pØ vkSj de udnh çokg cSad ds fy, çeq[k pqukSfr;ka gksaxhA cSad dh iwath vkSj udnh dh fLFkfr etcwr gS rFkk bl vof/k ds nkSjku Hkh ;g cSad dk eq[;
{ks= cuk jgsxk

7- djk/kku
ewy laLFkk %
7-1 o"kZ ds nkSjku vk;dj gsrq izko/kku % ¼` djksM+ esa½
fooj.k 2021-22 2020-21
djk/kku ds fy, izko/kku ¼LFkfxr dj lfgr vk;dj½ -740.59 -99.10

31-03-2022 dks fookfnr vk;dj ekax : 3953-36 djksM+ ¼fiNys o"kZ : 3953-36 djksM+½ gS] vkdfLed ns;rk,¡ ds rgr Hkh 'kkfey fd;k x;k ftlesa ls 31-03-2022 rd
fookfnr vk;dj dk Hkqxrku : 9187-03djksM+ ¼fiNys o"kZ : 7584-17djksM+½ gSA igys dh vofèk ds fy, fons'kh 'kk[kkvksa ls lacafèkr vk; ds ekeys esa 275 djksM+ #i;s
dh jkf'k] ftlds fy, cSad us pkyw o"kZ ds nkSjku çko/kku fd;k gS] dks NksM+dj U;kf;d mn~?kks"k.kkvksa rFkk cSadksa Lo;a ds ekeys esa vuqdwy fu.kZ;ksa ds dkj.k dfFkr fookfnr
ekaxksa ij dksbZ cSad }kjk dksbZ çko/kku djuk vko';d ugha le>k x;kA

7-2 vuq"kaxh daifu;ka%

7-2-1 baM cSad epsZaV cSafdax lfoZlst fy
,- bl o"kZ esa dj ds fy, #- 143-40 yk[k dk fuoy çkoèkku fd;k x;k gSA
ch- fo"k;ksa ij U;kf;d fu.kZ;ksa vkSj@;k fof/kd jk; dks /;ku esa j[krs gq, vk;dj dh fookfnr ekaxksa ds fy, dksbZ izko/kku ugha j[kk x;k gSA
lh- bl o"kZ ds fy, LFkfxr dj ¼fuoy½ gsrq #- 11-77 yk[k dk çkoèkku gS ¼fiNys o"kZ& #- 70-49 yk[k½ rFkk bls ykHk ,oa gkfu ys[ks esa çHkkfjr fd;k x;k gSA
Mh- iwoZ vof/k ds dj % 'kwU;

7-2-2 baMcSad gkÅflax fyfeVsM

,- Hkzked vfuf”prrk ds vk/kkj ij vuo'kksf"kr ewY;gzkl vkSj Hkkohdj&;ksX; vk; ds fo#) leatu ds fy, vxys ykHk ls ?kkVk&iwfrZ dks LFkfxr dj vkfLr ds
:i esa ugha ekuk x;k gSA
ch- vk;dj foHkkx us vkdyu o"kZ 1999&2000 ds fy, C;kt lfgr : 4-32 djksM ds fy, ,d ekax uksfVl Hkstk gSA ;g ekax mip; vk/kkj ij xSj fu"iknd
vkfLr;ksa ij vk; dks /;ku esa ysrs gq, Hksth xbZ gS ftls ,u,pch ds fn'kkfunsZ'kksa ds vuqlkj vk; ds :i esa igpkuk ugha tk ldrk gSA daiuh us bl ekax ds fo#)
fookn djrs gq, ekuuh; enzkl gkbZdksVZ ds le{k vihy nk;j dh gS tgk¡ ;g ekeyk vÒh yafcr gSA

- 162 -
8- lesfdr udnh Áokg fooj.k ¼,,l&3½
¼` djksM+ esa½

lekIr o"kZ
fooj.k 31-03-2022 31-03-2021
ykHk o gkfu [kkrs ds vuqlkj fuoy ykHk 4144-19 3150-58
fuEufyf[kr gssrq lek;kstu %
vutZd vkfLr;ksa ds fy, çkoèkku 8446-60 7318-39
fuos'k ds fy, çkoèkku 453-75 427-68
ekud vkfLr;ksa ds fy, çkoèkku 961-57 469-40
dj ds fy, çkoèkku ¼731-02½ ¼90-38½
vU; çkoèkku vkSj vkdfLedrk,a 3-81 279-65
vpy laifÙk;ksa ij ewY;ºzkl 600-86 636-90
iwath fy[kr ij C;kt 749-59 643-98
Hkwfe vkSj Hkouksa dh fcØh ij gkfu@¼ykHk½ ¼3-05½ 0-42
vk;dj dk Hkqxrku ¼12-18½ ¼19-72½
dk;Z'khy iw¡th ifjorZuksa dss iwoZ ifjpkyuxr ykHk 14614-12 12816-90
ifjpkyuxr vkfLr;ksa esa o`f) @ deh
fuos'kksa esa ¼o`f) ½ @ deh 1337-08 ¼15380-42½
vfxzeksa esa ¼o`f) ½ @ deh ¼34967-37½ ¼30252-79½
vU; vkfLr;ksa esa ¼o`f) ½ @ deh 4947-50 ¼2161-93½
¼28682-79½ ¼47795-14½
ifjpkyuxr ns;rkvksa esa o`f) @ deh
tekvksa esa o`f) @¼deh½ 55541-08 49525-72
mèkkj esa o`f) @ ¼deh½ ¼iwathxr fy[kr ds vykok½ ¼7009-92½ ¼6778-19½
vU; nss;rkvksa esa o`f)@¼deh½ ¼5712-16½ 9461-63
42819-00 52209-16
ifjpkyu ¼,½ ls l`ftr fuoy udnh 28750-33 17230-92
fuos'k xfrfof/k;ksa ls udnh çokg
vpy vkfLr;ksa dh [kjhn ¼323-09½ ¼560-44½
vpy vkfLr;ksa dh fcØh 18-40 15-56
fuoss'k xfrfof/k;ksa ls l`ftr fuoy udnh ¼ch½ ¼304-69½ ¼544-88½
foRriks"k.k xfrfof/k;ksa ls dqy udnh çokg
ykHkka'k dk Hkqxrku ¼249-09½ 0-00
forj.k dj dk Hkqxrku 0-00 0-00
,Vh&1 ckaM tkjh djuk 0-00 2000-00
fV;j & 2 ckaM tkjh djuk 0-00 2000-00

- 163 -
,Vh 1 ckaM dk ekspu 0-00 ¼500-00½
fV;j 2 ckaMksa dk ekspu ¼600-00½ ¼1000-00½
iwath fy[kr ij C;kt ¼782-48½ ¼631-94½
'ks;j dh vksj çkIr iwath 1650-00 0-00
bZ&,ch 'ks;jèkkjd dks Hkqxrku dh xbZ jkf'k ¼va'k Hkkx ds fy,½ 0-00 ¼2-51½
foRriks"k.k xfrfof/k;ksa ls l`ftr fuoy udnh ¼lh½ 18-43 1865-55
lekesyu ds dkj.k izkIr udnh ,oa udnh ledj.k@rqY; 0-00 21777-86
udnh vkSj udnh ledj.kksa esa fuoy o`f)@¼deh½ ¼,½ $ ¼ch½ $ ¼lh½ $ ¼Mh½ 28464-07 40329-45
o"kZ ds çkjaHk esa udnh o udnh rqY; ¼Mh½
gkFk esa udnh ¼fons'kh eqæk uksV lfgr½ 1658-38 1006-09
Hkkjrh; fjt+oZ cSad ds lkFk pkyw [kkrs esa 'ks"k 25886-80 4730-04
cSadksa esa 'ks"k
¼,½ pkyw [kkrksa esa 116-03 8-86
¼ch½ vU; tek [kkrksa esa 2065-07 721-65
cSadksa esa ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 8900-00 2100-00
Hkkjr ds ckgj cSadksa esa 'ks"k
¼,½pkyw [kkrksa esa 1577-68 530-93
¼ch½ vU; tek [kkrksa esa 11270-83 2068-49
ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 29-36 8-64
51504-15 11174-70
o"kZ ds var esa udnh o udnh rqY;
gkFk esa udnh ¼fons'kh eqæk uksV lfgr½ 1962-45 1658-38
Hkkjrh; fjt+oZ cSad ds lkFk pkyw [kkrs esa 'ks"k 22092-01 25886-80
cSadksa esa 'ks"k
¼,½ pkyw [kkrksa esa 30-64 116-03
¼ch½ vU; tek [kkrksa esa 1413-81 2065-07
cSadksa esa ekax ,oa vYi lwpuk ij jkf'k;ka 34500-20 8900-00
Hkkjr ds ckgj cSadksa esa 'ks"k
¼,½pkyw [kkrksa esa 503-98 1577-68
¼ch½ vU; tek [kkrksa esa 19453-09 11270-83
ekax ,oa vYi lwpuk ij izfrns; jkf'k;ka 12-04 29-36
79968-22 51504-15
udn vkSj udn led{k çkjEHk vkSj var esa varj 28464-07 40329-45

- 164 -
9- LVkQ dks iznRr ykHk ¼,,l 15½
9-1- ewy laLFkk
9-1-1 ifjHkkf"kr va'knku ;kstuk,¡ %
Hkfo"; fuf/k ,d oS/kkfud nkf;Ro gS vkSj va'knk;h Hkfo"; fuf/k dk fodYi pquusokyksa ds ekeys esa cSad iwoZfu/kkZfjr njksa ij fuf'pr va'knku vnk djrk gSA ,sls
fuf'pr va'knku dh jkf'k rd gh cSad dk nkf;Ro lhfer gSA bu va'knkuksa dks ykHk ,oa gkfu ys[kk esa çHkkfjr fd;k tkrk gSA fuf/k dk çca/k bafM;u cSad LVkQ
Hkfo"; fuf/k U;kl }kjk fd;k tkrk gSA foÙkh; o"kZ 2021-22 ds nkSjku cSad us `1-14 djksM+ ¼fiNys o"kZ ` 1-07 djksM+½ dk va'knku fn;k gSA
ubZ isa'ku ;kstuk ¼,uih,l½ mu deZpkfj;ksa ij ykxw gksrh gS] ftudh cSad esa HkrhZ 01-04-2010 ds ckn gqbZ gS vkSj ;g ,d ifjHkkf"kr va'knku ;kstuk gSA ,uih,l
ds varxZr cSad iwoZ&fu/kkZfjr nj ij ,d fuf'pr va'knku vnk djrk gS vkSj cSad dk nkf;Ro ,sls fuf'pr va'knku rd lhfer gSA bl va'knku dks ykHk ,oa gkfu
ys[kk esa çHkkfjr fd;k tkrk gSA foÙkh; o"kZ 2021-22 ds nkSjku] cSad us `255-18 djksM+ ¼fiNys o"kZ `153-31 djksM+½ dk va'knku fn;k gSA
9-1-2 ifjHkkf"kr ykHk ;kstuk,a %
ys[kk ekud&15 ¼la'kksf/kr½ ds vuqlj.k esa visf{kr ykHk ,oa gkfu ys[kk vkSj rqyu i= esa ekU;rk fn, x, fu;kstuksRrj ykHk vkSj nh?kZdkyhu deZpkjh ykHkksa dh
la{ksi esa fLFkfr fuEukuqlkj gS %&
fuEu rkfydk cSad }kjk fu;qä Lora= chekadd }kjk chekafdd ewY;kdau ds vuqlkj ifjHkkf"kr ykHk isa'ku ;kstuk vkSj minku ;kstuk dk vkèkkj fuèkkZfjr djrk
gSA

ewy chekadd vuqeku

¼Hkkfjr vkSlrksa ds :i esa O;Dr½ 31@03@2022 31@03@2021
cV~Vs dh nj isa'ku ,oa minku ds fy, 7-27% & 15 o"kZ th&lsd isij isa'ku ds fy, 6-87% & 15 o"kZ th&lsd isij
&th &lsd jsV minku ds fy, 6-44% & 10 o"kZ th&lsd isij
osru c<ksRrjh dh nj 6-00% ¼osru la'kks/ku gsrq 0-50% lfgr½ 6-00% ¼osru la'kks/ku gsrq 0-50% lfg
inR;kx dh nj isa'ku ds fy, 1-00% vkSj isa'ku ds fy, 1-00% vkSj
lsokjr deZpkfj;ksa ds fy, 2-00% lsokjr deZpkfj;ksa ds fy, 2-00%
;kstuk vkfLr;ksa ij visf{kr çfrQy dh nj* 7-62% isa”ku ds fy, vkSj 7-67% minku ds fy, 6-89% isa”ku ds fy, vkSj 6-86% minku ds fy,
ç;qDr rjhdk ifj;kstuk bdkbZ tek ¼ih;wlh½ chekafdd rjhdk

* ;kstuk vkfLr;ksa ij visf{kr çfrQy dh nj] NqV~Vh HkqukbZ ij ykxw ugha gksxhA
Hkfo"; esa gksusokyh osru c<ksRrjh dk vkdyu] eqnzkLQhfr] ofj"Brk] inksUufr vkSj fu;kstu ckt+kj esa vkiwfrZ vkSj ekax tSls laxr rRoksa dks fglkc esa ysrs gq, vkSj
vkbZch, }kjk lalwfpr vf/kof"kZrk ;kstukvksa ds fu/kh;u ds fn”kkfunsZ”k ds vuq:Ik fd;k tkrk gSA bl rjg ds vuqeku cgqr nh?kZdkfyd gSa vkSj lhfer vrhr ds vuqHko
@ rRdky Hkfo"; ij vkèkkfjr ugha gSaA vuqHkotU; lk{; ;g Hkh crkrs gSa fd cgqr yacs le; esa] yxkrkj mPp osru o`f) nj laHko ugha gSA
Nqêh HkqukbZ dh ns;rk,¡ xSj&fuf/kd gksrh gSaA

¼` djksM+ esa½
II. ck/;rk ds orZeku ewY; ¼ihohvks½ esa ifjorZu & isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
çkjafHkd 'ks"k ,oa var'ks"k dk ys[kk lek/kku
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
o"kZ dh 'kq#vkr esa ihohvks 15319-48 13995-78 1848-22 1868-46 977-42 826-09
C;kt ykxr 1047-85 914-67 110-19 120-53 59-12 53-97
orZeku lsok ykxr 250-19 229-80 69-21 105-33 175-72 174-38
foxr lsok ykxr & igpkuh xbZ @ fufgr ykHk 0-00 0 0-00 0 0-00 0
foxr lsok ykxr & u igpkuh xbZ @vfufgr ykHk 0-00 0 0-00 0 0-00 0
çnRr ykHk -1812-10 -1363-65 -274-20 -223-04 -284-86 -69-4
ck/;rk ij chekafdd gkfu @ ¼ykHk½ 1741-31 1542-88 30-26 -23-06 77-35 -7-62
o"kZ dh lekfIr ij ihohvks 16546-73 15319-48 1783-68 1848-22 1004-75 977-42

- 165 -
 ¼` djksM+ esa½
III. ;kstuk vkfLr;ksa ds mfpr ewY; esa ifjorZu & isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
ÁkjafHkd 'ks"k ,oa var'ks"k dk ys[kk lek/kku
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
o"kZ ds vkjaHk esa ;kstuk vkfLr;ksa dk mfpr ewY; 14961-61 13918-80 1897-26 1929-03 0-00 0
;kstuk vkfLr;ksa ij visf{kr ÁfrQy 1132-00 1104-42 136-42 126-42 0-00 0
va'knku 1599-55 1495-93 36-86 50-7 284-86 215-94
çnRr ykHk -1812-10 -1363-65 -274-20 -223-04 -284-86 -215-94
;kstuk vkfLr;ksa ij chekafdd ykHk @ ¼gkfu½ 12-57 193-89 6-41 14-15 0-00 0
o"kZ dh lekfIr ij ;kstuk vkfLr;ksa dk mfpr ewY; 15893-63 14961-61 1802-75 1897-26 0-00 0

¼` djksM+ esa½
isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
IV. ;kstuk vkfLr;ksa ij okLrfod ÁfrQy 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
;kstuk vkfLr;ksa ij visf{kr çfrQy 1132-00 1104-42 136-42 126-42 0-00 0-00

;kstuk vkfLr;ksa ij chekafdd ykHk@¼gkfu½ 12-57 -193-39 6-41 14-15 0-00 0-00
;kstuk vkfLr;ksa ij okLrfod çfrQy 1144-57 910-53 142-83 140-57 0-00 0-00

¼` djksM+ esa½
isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
V. igpkuk x;k chekafdd ykHk@gkfu 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
o"kZ ds fy, chekafdd ykHk@¼gkfu½ & ck/;rk -1741-31 -1542-88 -30-26 -23-06 -77-35 7-62
o"kZ ds fy, chekafdd ykHk@¼gkfu½ & Mhchvks esa foÙkh; èkkj.kk esa
cnyko ds dkj.k 0-00 0 0-00 0 0-00 0
o"kZ ds fy, chekafdd ykHk@¼gkfu½&;kstuk vkfLr;ka 12-57 -193-89 6-41 -14-15 0-00 0
o"kZ ds fy, dqy ykHk@¼gkfu½ -1728-74 -1736-77 -23-85 -37-21 -77-35 7-62
o"kZ ds nkSjku igpkus x, chekafdd ykHk@¼gkfu½ -1728-74 -1736-77 -23-85 -37-21 -77-35 7-62
o"kZ ds var esa u igpkus x, chekafdd ykHk@¼gkfu½ 0-00 0 0-00 0 0-00 0
ck/;rk ij chekafdd gkfu @ ¼ykHk½ -1728-74 -1736-77 -23-85 -37-21 -77-35 7-62

¼` djksM+ esa½
isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
VI. rqyu i= esa igpkuh x;h jkf'k;ka vkSj lacaf/kr fo'ys"k.k
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
ck/;rk dk orZeku ewY; 16546-73 15319-48 1783-68 1848-22 1004-75 977-42
;kstuk vkfLr;ksa dk mfpr ewY; 15893-63 14961-61 1802-75 1897-26 0 0

vUrj- fuoy ¼ns;rk½ @ rqyu i= esa igpkuh xbZ vkfLr -653-10* -357-87 19-07 49-04 1004-75 977-42
igpku u dh x;h laØe.kdkyhu ns;rk 0-00 0 0-00 0-00 0-00 0
igpku u dh x;h foxr lsok ykxr 0-00 0 0-00 0-00 0-00 0

rqyu i= esa igpkuh x;h ns;rk -653-10* -357-87 19-07 49-04 1004-75 977-42
*QSfeyh isa'ku fu;eksa esa ifjorZu ds dkj.k çkoèkku 'kkfey gS

- 166 -
 ¼` djksM+ esa½
VII. ykHk ,oa gkfu ys[kk esa igpkus x;s O;; isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
orZeku lsok ykxr 250-19 229-79 69-21 105-33 175-72 174-38
C;kt ykxr 1047-85 914-67 110-19 120-53 59-12 53-97
;kstuk vkfLr;ksa ij visf{kr çfrQy -1132-00 -1104-42 -136-42 -126-42 0 0-00
fuoy chekafdd ¼ykHk½@ gkfu tks bl o"kZ esa igpkuh x;h gS 1728-74 1736-77 23-85 -37-21 77-35 7-62
bl o"kZ esa igpkuh x;h laØe.kdkyhu ns;rk 0-00 0-00 0-00 0-00 0-00 0-00
foxr lsok ykxr & igpkuh xbZ 0-00 0-00 0-00 0-00 0-00 0-00
ykHk ,oa gkfu ys[ks esa igpkus x;s O;; 1894-78 1776-82 66-83 62-23 312-19 220-73

¼` djksM+ esa½
isa'ku fuf/k minku fuf/k NqV~Vh dh HkqukbZ
VIII. rqyu i= esa igpkuh x;h ns;rkvksa esa ifjorZu
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
fuoy ns;rk dk vkjafHkd 'ks"k -357-87 -76-98 49-04 60-57 -977-42 -826-09
mi;qZDrkuqlkj O;; -1894-78 -1776-82 -66-83 -62-23 -312-19 -220-73
çnRr va'knku 1599-55 1495-93 36-86 50-7 284-86 69-4
fuoy ns;rk dk var 'ks"k -653-10 -357-87 19-07 49-04 -1004-75 977-42

¼` djksM+ esa½

IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu ---------------------------dks lekIr o"kZ

(i) fiNys o"kZ 2017&22 Nqêh HkqukbZ
31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
ck/;rk dk orZeku ewY; 5925-15 6245-89 6520-32 6801-96 15319-48 16546-73
;kstuk vkfLr;ka 5841-36 6146-80 6418-93 6697-41 14961-61 15893-63
vf/k'ks"k ¼?kkVk½ -83-79 -99-09 -101-39 -104-55 357-87 -653-10
;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -626-82 -704-39 -335-65 -449-25 1542-88 -1741-31
;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk 27-73 10-93 -8-58 13-32 193-89 12-57

¼` djksM+ esa½
IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu ---------------------------dks lekIr o"kZ
(ii) fiNys o"kZ 2017&22 & minku
31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
ck/;rk dk orZeku ewY; 900-9 964-99 923-85 928-98 1848-22 1783-68
;kstuk vkfLr;ka 876-81 932-55 910-66 896-4 1897-26 1802-75
vf/k'ks"k ¼?kkVk½ -24-09 -32-44 -13-19 -32-58 49-04 19-07
;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -87-34 -36-2 -2-11 -61-22 23-06 107-08
;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk -1-36 22-12 -0-38 2-71 14-15 6-41

- 167 -
 ¼` djksM+ esa½
IX. ;kstuk vkfLr;ksa@ns;rkvksa ij vuqHko lek;kstu ---------------------------dks lekIr o"kZ
(iii) fiNys o"kZ 2017&22 Nqêh dh HkqukbZ
31.03.2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
ck/;rk dk orZeku ewY; 171-21 179-51 188-21 210-29 977-42 1004-75
;kstuk vkfLr;ka 0 0 0 0 0 0-00
vf/k'ks"k ¼?kkVk½ -171-21 -179-51 -188-21 -210-29 977-42 -1004-75
;kstuk ns;rkvksa ij vuqHko lek;kstu ¼gkfu½@ykHk -3-01 10-18 7-58 17-71 7-62 -77-35
;kstuk vkfLr;ksa ij vuqHko lek;kstu ¼gkfu½@ykHk 0-00 0-00 0-00 0-00 0-00 0-00

X. ;kstuk vkfLr;ksa ds eq[; laoxZ 2021-2022 2020-2021

¼dqy ;kstuk vkfLr;ksa ds çfr'kr esa½
isa'ku fuf/k minku fuf/k isa'ku fuf/k minku fuf/k
Hkkjr ljdkj vkSj jkT; ljdkj dh çfrHkwfr;k¡ 32-38% 23-42% 36-76% 28-00%
mPp xq.koRrkokys dkiksZjsV ckaM@ih,l;w ckW.M 13-42% 12-21% 15-64% 12-98%
fo'ks"k tek ;kstuk 0-06% 0-04% 0-06% 0-00%
chekdrkZ }kjk çcaf/kr fuf/k;k¡ 53-98% 64-11% 47-21% 58-60%
futh {ks= ds ckW.M 0-16% 0-22% 0-33% 0-42%
euh ekdsZV - -
dqy 100-00% 100-00% 100-00% 100-00%
¼` djksM+ esa½
XI. vxys o"kZ ds nkSjku va'knku** isa'ku fuf/k minku jkf'k vftZr Nqêh
vxys o"kZ d¢ n©jku m|e d¢ ;¨xnku dk lo¨ZŸke vuqeku 1300 50 300
9-1-3 vU; nh?kZdkyhu deZpkjh ykHk
cSad }kjk fu;qä Lora= chekadd }kjk chekafdd ewY;kadu ds vuqlkj nh?kZdkyhu deZpkjh ykHkksa ds fy, `48-43 djksM+ dh jkf'k ¼xr o"kZ ` 50-12 djksM+½ dk
çko/kku fd;k x;k gS rFkk bls ykHk ,oa gkfu ys[kk esa ÞdeZpkfj;ksa dks Hkqxrku vkSj muds fy, çko/kkuß 'kh"kZ ds rgr 'kkfey fd;k x;k gSA
o"kZ ds nkSjku fofHkUu nh?kZdkyhu deZpkjh ykHkksa gsrq cuk, x, çko/kku @ ¼vofyf[kr½ vfrfjä çko/kkuksa dk fooj.k% ¼` djksM+ esa½
Ø-la- nh?kZdkyhu deZpkjh ykHk 2021-22 2020-21
1- chekjh Nqêh 1-84 15-28
2- vkdfLed Nqêh 0-09 0-16
3- Nqêh ;k=k fj;k;r 46-50 34-68
dqy 48-43 50-12

01-04-2021 2021-22 2021-22 31-03-2022

Ø-la- nh?kZdkyhu deZpkjh ykHk dks çkjafHkd 'ks"k dk O;; esa o`f) dks vafre 'ks"k
1 chekjh Nqêh 22-66 3-04 4-87 24-49
2 vkdfLed Nqêh 0-87 0-38 0-48 0-97
3 Nqêh ;k=k fj;k;r 69-92 32-75 46-50 83-67
dqy 93-45 36-17 51-85 109-13
uksV % 'kkfey çdVhdj.k] chekadd }kjk miyC/k djkbZ xbZ lwpuk dh lhek rd lhfer gSA

9-2 vuq"kaxh daifu;ka

9-2-1 baMcSad epsZaV cSafdax lfoZlst fyfeVsM
ifjHkkf"kr va'knku ;kstuk
ifjHkkf"kr va'knku ;kstuk gsrq va'knku ftls o"kZ ds fy, O;; ekuk x;k] fuEu izdkj izLrqr gS % ¼` djksM+ esa½
fooj.k 2021-22 2020-21 2019-20
Hkfo"; fuf/k dks fu;ksDrk dk va'knku 4763140 4503279 3956245

- 168 -
ifjHkkf"kr ykHk ;kstuk
I) ifjHkkf"kr ykHk ck/;rk ds çkjafHkd 'ks"k vkSj vafre 'ks"k dk ys[kk lek/kku ¼` djksM+ esa½
fooj.k minku ¼fuf/kd½ fooj.k ¼xSj&fuf/kd½
2021-22 2020-21 2021-22 2020-21
o"kZ ds vkjaHk esa ifjHkkf"kr ykHk ck/;rk 15294514 14477169 9559705 9175621
orZeku lsok ykxr 1336060 1245412 453039 418454
C;kt ykxr 1014041 915972 632013 588067
chekafdd ¼ykHk½@ gkfu 1476701 ¼104445½ 2433748 ¼64441½
iznRr ykHk ¼895281½ ¼1239594½ ¼612432½ ¼557996½
fuiVku ykxr - - - -
o"kZ ds var esa ifjHkkf"kr ykHk ck/;rk 18226005 15294514 12466073 9559705

II) ;kstuk vkfLr;ksa ds vFk'ks"k o bfr'ks"k ds mfprewY; dk ys[kk lek/kku ¼` djksM+ esa½
fooj.k minku ¼fuf/kd½
2021-22 2020-21
o"kZ ds vkjaHk esa ;kstuk vkfLr;ksa dk mfprewY; 15598048 11607030
;kstuk vkfLr;ksa ij izR;kf'kr izfrQy ¼1139501½ 867210
va'knku 3066712 4264874
chekafdd ¼ykHk½@ gkfu ¼23]223½ 98528
iznRr ykHk ¼895281½ ¼1239594½
fuiVku ykxr - -
o"kZ ds var esa ;kstuk vkfLr;ksa dk mfpr ewY; 16606755 15598048
;kstuk vkfLr;ksa ij okLrfod izfrQy 1499924 ¼202973½

III) vkfLr;ksa o ck/;rkvksa ds mfpr ewY; dk ys[kk lek/kku ¼` djksM+ esa½

fooj.k minku ¼fuf/kd½ NqV~Vh dh HkqukbZ ¼xSj&fuf/kd½
2021-22 2020-21 2021-22 2020-21
;kstuk vkfLr;ksa dk mfprewY; 18226005 15598048 - -
ck/;rk dk orZeku ewY; 16606755 15294514 12466073 9559705
rqyu&i= esa vfHkKkr jkf'k ¼1619250½ 303534 ¼12466073½ ¼9559705½

IV) o"kZ ds nkSjku vfHkKkr O;;

¼` djksM+ esa½
fooj.k minku ¼fuf/kd½ NqV~Vh dh HkqukbZ ¼xSj&fuf/kd½
2021-22 2020-21 2021-22 2020-21
orZeku lsok ykxr 1336030 1245412 453039 418454
C;kt ykxr 1014041 915972 632013 588067
;kstuk vkfLr;ksa ij izR;kf'kr izfrykHk 1139501 867210 - -
chekadd ¼ykHk½ @gkfu 1499924 ¼202973½ 2433748 ¼64441½
fuoy ykxr 2710494 1091201 12466073 9559705

V) chekadd vuqeku
¼` djksM+ esa½
fooj.k minku ¼fuf/kd½ NqV~Vh dh HkqukbZ ¼xSj&fuf/kd½
2021-22 2020-21 2021-22 2020-21
e`R;q la[;k lkj.kh ¼ ,yvkbZlh ½ 2012-14 ¼vafre½ 2012-14 ¼vafre½ 2012-14 ¼vafre½ 2012-14 ¼vafre½
cV~Vknj ¼izfro"kZ ½ 6-99% 6-83% 6-99% 6-83%
izfrykHk dh izR;kf'kr nj ¼izfro"kZ½ 6-99% 6-61% - -
osruo`f) nj ¼izfro"kZ½ 5-00% 5-00% 5-00% 5-00%
lsokR;kx nj 7-00% 7-00% 7-00% 7-00%

- 169 -
eqnzkLQhfr] ofj"Brk] inksUufr ,oa fu;kstu cktkj esa vkiwfrZ vkSj ek¡x lfgr vU; lacaf/kr ?kVdksa dks /;ku esa j[krs gq, chekadd ewY;kadu ds osru esa o`f) dh nj dk
vuqeku yxk;k x;k gSA izfrykHk dh izR;kf'kr nj dfri; ykxw ?kVdksa] eq[;r% /kkfjr ;kstuk vkfLr;ksa dk lfEeJ.k] fu/kkZfjr tksf[keksa] ;kstuk vkfLr;ksa ij izfrykHk ds
,sfrgkfld ifj.kke vkSj ;kstuk vkfLr;ksa gsrq daiuh dh uhfr dks /;ku esa j[kdj fu/kkZfjr dh xbZ gSA bafM;u cSad ls izfrfu;qDr LVkQ ds laca/k esa lsokfuo`fRr ykHk ns;rk
dk ogu bafM;u cSad }kjk fd;k tk,xkA
daiuh us o"kZ 2021&22 esa minku ns;rk dh vksj ` 29-54 yk[k ¼fiNys o"kZ 23-53 yk[k½ dk va'knku fn;k gSA
9-2-2 baMcSad gkmflax fy-
minku fuf/k dh vksj daiuh dh ck/;rk ,oa chekadd ewY;kadu ds C;kSjs% ¼` djksM+ esa½
1 dqy foxr lsok minku ’kwU;
2 foxr lsok minku chekadd ewY; ’kwU;
3 thou chek fuxe ds lkFk minku fuf/k ’kwU;
4 thou chek fuxe dks ns; va'knku ’kwU;
5 o"kZ ds nkSjku ÁnRr va”knku ’kwU;
6 ”ks"k ns; ’kwU;
7 ÁnRr Tkksf[ke Áhfe;e ,oa lsokdj ’kwU;
8 vuqeku cV~Vk nj osru esa o`f) dk iwokZuqeku viz;ksT;

10- lsxesaV fjiksfVZax ¼lesfdr½ ¼,,l 17½

10-1- lsxesaV dh igpku
çkFkfed ¼dkjksckj [kaM½
cSad ds çkFkfed [kaM fuEufyf[kr gSa %&
Ÿ jktdks"k
Ÿ d‚ikZsjsV @ Fkksd cSafdax
Ÿ [kqnjk cSafdax
Ÿ vU; cSafdax O;olk;
cSad dh orZeku ys[kk vkSj lwpuk ç.kkyh mijksä [kaMksa ds lacaèk esa vyx&vyx ls MsVk çkIr djus vkSj fudkyus dk leFkZu ugha djrh gSA gkyk¡fd] orZeku
vkarfjd] laxBukRed vkSj çcaèku fjiksfVZax lajpuk vkSj muds tksf[ke vkSj foojf.k;ksa dh ç—fr ds vkèkkj ij] çkFkfed [kaMksa ds MsVk dh x.kuk fuEukuqlkj dh
xbZ gS%
I jktdks"k &
jktdks"k [kaM esa laiw.kZ lafoHkkx fuos'k vkSj fons'kh eqæk lafonkvksa vkSj O;qRiUu lafonkvksa esa O;kikj 'kkfey gSA jktdks"k [kaM ds jktLo esa eq[;r% lafoHkkx fuos'k ij O;kikj
lapkyu vkSj C;kt vk; ls 'kqYd vkSj ykHk ;k gkfu 'kkfey gksrh gSA
ii d‚ikZsjsV @ Fkksd cSafdax
d‚jiksjsV@Fkksd cSafdax [kaM esa d‚ikZsjsV [kkrk lewg] okf.kfT;d xzkgd lewg vkSj nckoxzLr vkfLr;ka ladYi lewg dh mèkkj xfrfofèk;ka 'kkfey gSaA blesa d‚ikZsjsV vkSj
laLFkkxr xzkgdksa dks _.k vkSj ysunsu lsok,a çnku djuk 'kkfey gS vkSj blds vykok fons'kh dk;kZy;ksa ds xSj&dks"kkxkj lapkyu 'kkfey gSaA
iii [kqnjk cSafdax
[kqnjk cSafdax [kaM esa [kqnjk 'kk[kk,¡] ftlesa eq[; #i ls cSafdax lacaèk j[kus okys d‚ikZsjsV xzkgdksa ds lkFk mèkkj xfrfofèk;ksa lfgr O;fäxr cSafdax xfrfofèk;k¡] 'kkfey gSaA
bl [kaM esa ,tsalh O;olk; vkSj ,Vh,e Hkh 'kkfey gSaA
iv vU; cSafdax O;olk;
mijksä ¼i½ ls ¼iii½ ds varxZr oxÊ—r ugha fd, x, [kaMksa dks bl çkFkfed [kaM ds varxZr oxÊ—r fd;k x;k gSA
II f}rh;d ¼HkkSxksfyd [k.M½

- 170 -
I ns'kh ifjpkyu & Hkkjr esa lapkyu djus okyh 'kk[kk,¡ @ dk;kZy;
ii fons'kh ifjpkyu & Hkkjr ds ckgj lapkyu djus okyh 'kk[kk,a@dk;kZy; vkSj Hkkjr esa lapkyu djus okyh vkWQ'kksj cSafdax bdkb;ka
III O;;] vkfLr vkSj ns;rkvksa dk vkcaVu
d‚ikZsjsV dsaæ ds çfr"Bkuksa ij fd, x, O;; lhèks d‚ikZsjsV @ Fkksd vkSj [kqnjk cSafdax lapkyu ;k jktdks"k lapkyu [kaM ds fy, L=ksrtU; gSa] rnuqlkj vkcafVr fd, tkrs
gSaA O;;] lhèks rkSj ij L=ksrtU; ugha gS] mUgsa çR;sd [kaM esa [kaM vkfLr ds vuqikr ds vkèkkj ij ;k lhèks rkSj ij L=ksrtU; O;; esa vkcafVr fd;k tkrk gSA cSad ds ikl
dqN lkekU; vkfLr;ka vkSj ns;rk,a gSa] ftUgsa fdlh Hkh [kaM ds fy, L=ksrtud ugha Bgjk;k tk ldrk gS] vkSj mUgsa vlac) ekuk tkrk gSA

10-2 lesfdr [kaM lwpuk

¼` djksM+ esa½
Hkkx , dkiksZjsV@Fkksd vU; cSafdax
jktdks"k [kqnjk cSafdax dqy
O;kikj [k.M cSafdax ifjpkyu

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
jktLo 13 767.26 13 573.27 16 082.40 17 708.42 15 415.12 13 021.62 1 003.37 916.17 46 268.15 45 219.48
ifj.kke 6 355.67 5 775.50 3 079.29 2 843.03 2 938.78 2 084.26 411.62 288.61 12 785.36 10 991.40
vukcafVr O;; 9 522.49 8 066.06
Ifjpkyuxr ykHk 3 262.87 2 925.34
vYila[;d fgr 2.38 1.43
vU; vukcaVuh;
vk; 150.30 134.86
vk; dj (731.02) (90.38)
viokn Lo:i ensa 0.00 0.00
fuoy ykHk 4141.81 3149.15
vU; tkudkjh
[k.Mh; vkfLr;ka 2 40 001.83 2 09 281.25 215 377.81 2 33 418.56 2 06 008.16 171 257.10 2 382.36 2 071.68 6 63 770.16 6 16 028.59
vukcafVr
vkfLr;ka 10 326.27 9 506.58
dqy vkfLr;ka 6 74 096.43 6 25 535.17
[k.Mh; ns;rk,a 2 24 383.64 1 96 386.55 201362.03 2 19 036.66 1 92 602.11 160 705.23 1 185.25 1 059.97 6 19 533.03 5 77 188.41
vukcafVr ns;rk,a 9 611.47 8 888.69
vkjf{kr iwath
o vf/k”ks"k 44 951.93 39 458.07
dqy ns;rk,a 6 74 096.43 6 25 535.17

Hkkx ch&HkkSxksfyd [k.M

ns'kh varjkZ"Vªh; dqy
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
jktLo 45 960.46 44 892.23 307.69 327.25 46 268.15 45 219.48
vkfLr;ka 6 52 421.69 6 11 117.34 21 674.74 14 417.83 6 74 096.43 6 25 535.17
tgka izR;{k vkcaVu laHko ugha gS] [k.Mh; jktLo vkSj O;;ksa dks [k.Mh; vkfLr;ksa ds vk/kkj ij izHkkftr fd;k x;k gSA
tgk¡ Hkh vko';d gks] fiNys o"kZ ds vk¡dMksa dks iqu%lewfgr fd;k x;k gSA

- 171 -
11- lacaf/kr ikVhZ izdVhdj.k ¼,,l 18½
11-1 ewylaLFkk
izeq[k Áca/kdh; dkfeZd %
uke inuke fu;qfä dh rkjh[k lekfIr dh rkjh[k
lqJh in~etk pqUMw: HkwriwoZ Áca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh 21-09-2018 01-09-2021
Jh 'kkafr yky tSu Áca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh 01-09-2021
Jh 'ks.k‚; foÜoukFku oh- dk;Zikyd funs'kd 01-12-2018 01-04-2022
Jh ds- jkepaæu HkwriwoZ dk;Zikyd funs'kd 01-04-2020 01-07-2021
Jh bejku vehu flíhdh dk;Zikyd funs'kd 10-03-2021
Jh vÜouh dqekj dk;Zikyd funs'kd 21-10-2021
xSj&dk;Zdkjh funs'kdksa dh 'ks;jèkkfjrk %

Øa-la- xSj&dk;Zdkjh funs'kd dk uke inuke èkkfjr 'ks;j dh la[;k

1 MkW- Hkjr —".k 'kadj 'ks;jèkkjd funs'kd 300
2 lqJh ikfi;k lsuxqIrk 'ks;jèkkjd funs'kd 200

lacafèkr ikVÊ ysunsu fuEukuqlkj gSa %

Áeq[k Áca/kdh; dkfeZdksa dks o"kZ ds nkSjku #i;s 172-37 yk[k ikfjJfed ds :i esa Hkqxrku fd, x, gSa ¼xr o"kZ #i, 102-52 yk[k½

fooj.k 2021-2022 2020-2021

lqJh in~etk pqUMw:] wriwoZ ,eMh ,oa lhbZvks

çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-08-2021½ ` 40-30 yk[k ` 30-46 yk[k
Jh 'kkafr yky tSu] ,eMh ,oa lhbZvks
çnRr osru vkSj ikfjJfed ¼01-09-2021 ls 31-03-2022½ ` 20-27 yk[k --
Jh ,e ds HkV~Vkpk;Z] wriwoZ dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed -- ` 18-16 yk[k
Jh 'ks.k‚; foÜoukFk oh] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-03-2022½ ` 32-76 yk[k ` 26-22 yk[k
Jh ds jkepUnzu] wriwoZ dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 30-06-2021½ ` 30-19 yk[k ` 2-21 yk[k
Jh bejku vehu flíhdh] dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-04-2021 ls 31-03-2022½ ` 30-00 yk[k `1-47 yk[k
Jh vÜouh dqekj, dk;Zikyd funs'kd
çnRr osru vkSj ikfjJfed ¼01-10-2021 ls 31-03-2022½ ` 18-85 yk[k * --

* `- 5-11 yk[k vkokl HkÙkk lfgr

lEc) ikVÊ ls lacafèkr vU; çdVhdj.k fuEukuqlkj gSa% ¼` yk[k+ esa½

en@lEc) ikVÊ ewylaLFkk ¼LokfeRo ;k fu;a=.k ds vuqlkj½ lg;ksxh@la;qä m|e dqy

lsokvksa dk çfriknu 1528.82* 26.16 1528.82*
lsokvksa dh çkfIr 26.16 1528.82* 26.16

bafM;u cSad dh chek i‚fyfl;¨a ls lacaf/kr cSad d¢ la;qä m|e] ;wfuolZy l¨Ei¨ tujy ba';¨jsal daiuh fyfeVsM ls 1384-52 yk[k #i;s dh deh'ku vk; 'kkfey gSA
ys[kk ekud ¼,,l½ 18 d¢ vuqPNsn 9 d¢ vuqlkj lacaf/kr i{k¨a t¨ "ljdkj&fu;af=r m|e" gSa d¢ laca/k esa d¨Ã ÁdVhdj.k vko';d ugÈ gS A ,,l 18 d¢ vuqPNsn 5 d¢
vuqlkj] cSadj&xzkgd laca/k d¢ rgr ysunsu dk ÁdVhdj.k ugÈ fd;k x;k gS ftlesa eq[; Áca/ku dÆe;¨a vkSj mud¢ fj'rsnkj 'kkfey gSaA

- 172 -
11-2 vuq"kaxh daiuh%
11-2-1 baMcSad epsZaV cSafdax lfoZlst fy-
izeq[k izca/kdh; dkfeZd %
izca/kdh; ikfjJfed % ¼` yk[k esa½
uke inuke 2021-22 2020-21

Jh 'ks"kklkbZ ih ,y oh ds vè;{k ,oa iw.kZdkfyd funs'kd osru - 3.96

¼27-06-2020 rd½ Hkfo"; fufèk dks va'knku - 0.20
Jh oh gjhckcw vè;{k ,oa iw.kZdkfyd@lh,Q+vks funs'kd osru 12.74 -
¼28-02-2022 ls 03-09-2021 rd½ Hkfo"; fufèk dks va'knku 0.73 -
Jh , jktkjkeu vè;{k ,oa iw.kZdkfyd funs'kd osru 13.70 10.60
¼30-11-2021 rd ½ Hkfo"; fufèk dks va'knku 0.86 0.73
Jh ;w jktdqekj mikè;{k ,oa lh,Qvks osru 4.65 10.40
¼02-09-2021 rd½ Hkfo"; fufèk dks va'knku 0.35 0.79
lqJh fp=k ,e , daiuh lfpo ,oa vuqikyu vfèkdkjh osru 2.20 -
¼29-01-2022 ls½ Hkfo"; fufèk dks va'knku 0.24 -
Jh oh ckykeq#xu daiuh lfpo ,oa vuqikyu vfèkdkjh osru 6.88 6.62
¼28-01-2022 rd½ Hkfo"; fufèk dks va'knku 0.72 0.81
xSj&iw.kZdkfyd Lora= funs'kdksa dks Hkqxrku fd;k x;k cSBd 'kqYd 4.68 2.74

daiuh ds vè;{k ,oa iw.kZdkfyd funs'kd bafM;u cSad ls çfrfu;qfä ij gS rFkk mUgsa mi;qZä cSad ds lsokfu;e ds vuqlkj o daiuh ds 'ks;j/kkjdksa }kjk **iw.kZdkfyd
funs'kd** ds :Ik esa fu;qfä dh ”krksZa ds vuqlkj ikfjJfed fn;k tkrk gSA
daiuh ds mikè;{k vkSj lh,Qvks bafM;u cSad ls çfrfu;qfä ij gSa vkSj mUgsa mi;Zqä cSad ds lsokfu;eksa ds vuqlkj ikfjJfed fn;k tkrk gSA
daiuh lfpo vkSj vuqikyu vfèkdkjh dks lhèks daiuh }kjk HkrÊ fd;k x;k gS vkSj mUgsa daiuh }kjk fn, x, jkstxkj dh is'kd'k dh ”krksZa ds vuqlkj ikfjJfed fn;k tkrk
gSA
11-2-2 baMcSad gkmflax fyfeVsM
daiuh ds çca/k funs'kd bafM;u cSad ls çfrfu;qfä ij gS rFkk og viuk ikfjJfed ml daiuh ds v/;{k ds :i esa baMcSad epsZUV cSafdax lfoZl fyfeVsM ls izkIr djrs gSaA
vr% bl daiuh }kjk ikfjJfed dk Hkqxrku ugha fd;k tkrk gSA
vU; lacaf/kr ikfVZ;k¡ ljdkj fu;af=r m|e gSa vkSj bl dkj.k ,,l&18 ds iSjkxzkQ 9 ds vuqlkj dksbZ izdVhdj.k visf{kr ugha gSA ,,l&18 ds iSjkxzkQ 5 ds vuqlkj
cSadj&xzkgd laca/k ds ysunsuksa dks izdV djuk visf{kr ugha gSA

12- iV~Vk¼,,l 19½

12-1 ewy laLFkk
,- iV~Vs @ fdjk, vk/kkj ij yh xbZ ifjlaifRr;ksa ds laca/k esa] cSad ds fodYi ds vuqlkj mUgsa uohÑr @ jn~n fd;k tk ldrk gSA
Ckh- cSad }kjk fd, x, iV~Vs djkj] vkil esa lger vof/k ds fy, gSa ftlesa fyf[kr :Ik ls lger dSy.Mj eghuksa dh uksfVl nsus ds tfj, iV~Vs dh vof/k ds nkSjku Hkh
mls lekIr fd;k tk ldrk gSA
Lkh- ifjpkyuxr iV~Vksa ds fy, çnRr iV~Vk fdjk, dks] ftl o"kZ ls lacfUèkr gS] mlh o"kZ esa ykHk ,oa gkfu ys[ks esa O;; ds :Ik esa igpkuk tkrk gSA orZeku o"kZ ds
nkSjku igpkuk x;k iV~Vk fdjk;k ` 417-00 djksM+ gSA ¼foxr o"kZ & 440-41 djksM+ `½A
Mh- foÙk iêk
foÙk iês ij çkIr vkfLr esa Hkwfe vkSj Hkou 'kkfey gSaA iêksa dh ,d çkFkfed vofèk gksrh gS] tks fuf'pr vkSj xSj&jí gksrh gSA cSad ds ikl f}rh;d vofèk ds fy, iês
dks uohuh—r djus dk fodYi gSA
foÙk iêk ds rgr vko';d vkfLr;ksa ds lacaèk esa U;wure iês ds fdjk;s vkSj U;wure iês ds Hkqxrku dk orZeku ewY; fuEukuqlkj gSa%

- 173 -
 U;wure iês dk Hkqxrku U;wure iêk Hkqxrku dk orZeku ewY;
fooj.k
31 ekpZ 2022 dks 31 ekpZ 2021 dks 31 ekpZ 2022 dks 31 ekpZ 2021 dks

1 o"kZ ds iwoZ ns; 0 0 0 0

1 o"kZ ds ckn ,oa 5 o"kksZa ds iwoZ ns; 0 0 0 0

5 o"kksZa ds ckn ns; 0 0 0 0

dqy 0 0 0 0

ÄVk,a % Hkfo"; ds foÙkh; çHkkj

U;wure iêk Hkqxrku dk orZeku ewY; 0 0 0 0

12-2 lgk;d daifu;ka

12-2-1 baMcSad epZsaV cSafdax lfoZlst fyfeVsM
iês ij yh xbZ laifÙk ds ekeys esa
daiuh ds ikl ewy laLFkk ds fofHkUu LFkkuksa ij dk;kZy; ifjlj lfgr ifjpkyu iês gSaA o"kZ ds var esa xSj&jí djus ;ksX; ifjpkyu iêksa ds rgr Hkfo"; ds fy, vko';d
U;wure Hkqxrku fuEukuqlkj gSa %
fooj.k 31-03-2022 rd 31-03-2021 rd
o"kZ ds fy, yht Hkqxrku 21-71 24-59
U;wure yht Hkqxrku% 1 o"kZ ds iwoZ ns; 0-00 0-00
1 o"kZ ds ckn ,oa 5 o"kksZa ds iwoZ ns; 0-00 0-00
5 o"kksZa ds ckn ns; 0-00 0-00

13- izfr 'ks;j vtZu ¼,,l 20½ ¼` yk[k esa½

fooj.k 2021-22 2020-21
bZfDoVh 'ks;j/kkjdksa gsrq miyC/k dj ds Ik'pkr fuoy ykHk ¼#i, djksM+ esa½ 4141.81 3149.15

bZfDoVh 'ks;jksa dh la[;k 1245441139 1129366570

bZfDoVh 'ks;jksa dh Hkkfjr la[;k 1218410075 1129366570

çfr 'ks;j ewy vtZu ¼` esa½ 33.99 27.88

de dh xbZ vk; çfr 'ks;j vk; ¼` esa½ 33.99 27.88

çfr bZfDoVh 'ks;j vafdr ewY; ¼` esa½ 10.00 10.00

- 174 -
14- lesfdr foRrh; fooj.k ¼,,l 21½

lesfdr foRrh; fooj.k ys[kk ekud ¼,,l 21½ dks Hkkjrh; lunh ys[kkdkj laLFkk ¼vkbZlh,vkbZ½ }kjk tkjh lesfdr foRrh; fooj.kksa vkSj ^^lesfdr foRrh; fooj.k^^ dks
rS;kj djus ij Hkkjrh; fjtoZ cSad }kjk tkjh fn'kkfunsZ'kksa ds leuq:i rS;kj fd, x, gSaA

lesfdr foÙkh; fooj.k] bafM;u cSad ¼ewylaLFkk½ ds ys[kkijhf{kr foÙkh; fooj.k vkSj mudh vuq"kafx;ksa tSls ¼1½ baMcSad gkmflax fyfeVsM vkSj ¼2½ baMcSad epZsV cSafdax
lfoZlst fy- ds ys[kkijhf{kr foÙkh; fooj.k ij vkèkkfjr gSA

31-03-2022 dks lesfdr vkadM+ksa esa nks lg;ksfx;ksa ;Fkk esllZ lIrfxjh xzkeh.k cSad vkSj iqnqoS Hkkjfr;kj xzkecSad ds 74-95 djksM+ #i;s dk ys[kkijhf{kr ykHk 'kkfey gS vkSj
` 75-36 djksM #i; esllZ rfeyukMq xzke cSad dk vys[kkijhf{kr ykHk gS] ` 43-80djksM+ nks la;qä m|eksa vFkkZr 1½ ;wfuolZy lksEiks tujy ba';ksjsal daiuh fyfeVsM vkSj
2½ ,,lvkjbZlh ¼bafM;k½ fyfeVsM ds vys[kk ijhf{kr ykHk esa fgLlk gSA

15- vk; ij djksa ds fy, ys[kkadu ¼,,l 22½

15-1 ewy laLFkk

15-1-1 orZeku dj &

pkyw o"kZ ds nkSjku] iwoZorÊ bykgkckn cSad ds lafpr ?kkVs dks ns[krs gq,] cSad us ns'kh ifjpkyu ds fy, vk;dj dk çkoèkku ugha fd;k gSA pkyw o"kZ ds nkSjku fons'kh
'kk[kkvksa esa #i;s 12-85 djksM+ ds vk;dj dk çkoèkku fd;k x;k gSA pkyw o"kZ esa fd, x, iwoZorÊ o"kksZa ls lacafèkr fons'kh 'kk[kkvksa ij dj dk çkoèkku ` 275 djksM+ gS A ns'kh
ifjpkyu ds fy, orZeku dj dh x.kuk vk;dj vfèkfu;e 1961 ds çkoèkkuksa ds vuqlkj dh xbZ gSA

15-1-2 LFkfxr dj &

cSad ds ikl `3872-91 djksM+ dk fuoy LFkfxr dj vkfLr gS ¼foxr o"kZ `2844-49 djksM+ dk fuoy LFkfxr dj vkfLr½] ftlesa 'vU; ns;rkvksa vkSj çkoèkkuksa' ds rgr
'kkfey `977-15 djksM+ dh LFkfxr dj ns;rk,a ¼MhVh,y½ ¼foxr o"kZ `949-89 djksM+½ 'kkfey gSa vkSj LFkfxr dj vkfLr;ka ¼MhVh,½ `4850-06 djksM+ ¼foxr o"kZ `3794-38
djksM+½ ds rgr 'kkfey gSA

LFkfxr dj vkfLr;ksa ¼MhVh,½ @ LFkfxr dj ns;rkvksa ¼MhVh,y½ ds çeq[k ?kVd fuEu gSa% ¼` djksM+ esa½
Ø- la- fooj.k 31.03.2022 31.03.2021
LFkfxr dj vkfLr;ka
1 Hkqxrku@fØLVykbts”ku ij vuqes; ns;rkvksa dk Áko/kku 219.35 208.53

2 fons'kh eqæk ysunsu fjtoZ ¼,Q+lhVhvkj½ 99.08 105.29

3 minku ds fy, çko/kku 0.06 0.09

4 v”kks/; _.kksa ds fy, çko/kku 3856.25 3076.11

5 iqujZfpr vkfLr;ksa] ,D;qvkj] ,l4,] nckoxzLr vkfLr;ksa ds fy, çko/kku 588.06 328.67

6 fLFkj vkfLr;ksa ij ewY;ºzkl 87.26 75.69

dqy&MhVh, 4850.06 3794.38

Ø- la- LFkfxr dj ns;rk,

1 fLFkj vkfLr;ksa ij ewY;ºzkl 44.40 44.41

2 cV~Vs [kkrs fy[ks x;s [kkrksa gsrq çko/kku 363.15 363.15

3 LVkQ dY;k.k çfriwfrZ 4.11 4.11

4 /kkjk 36¼i½¼viii½ ds varxZr fo'ks"k fjtoZ 565.49 538.22

dqy & MhVh,y 977.15 949.89

fuoy MhVh, @¼MhVh,y½ 3872.91 2844.49

- 175 -
15-2 vuq"kaxh daifu;ka %
15-2-1 baMcSad epsZaV cSafdax lfoZl fy-
LFkfxr dj vkfLr@ns;rk ds eq[; ?kVd fuEu gaSA ¼`a½

LFkfxr dj
31-03-2022 dks 31-03-2021 dks
vkfLr ns;rk,a vkfLr ns;rk,a
i) ewY;gzkl&;ksX; vkfLr;ksa esa le; dk varj 9355398 14848304
ii) v'kks/; _.kksa o ,uih, ds fy, izko/kku 36142094 44029302
iii) vU; 3661463 2444273
dqy 39803557 9355398 46473575 14848304
fuoy MhVh, @ ¼MhVh,y½ 30448159 31625271

16-,,l 24 ds vUrxZr izdVhdj.k vis{kk,a& ifjpkyu can

16-1- vuq"kaxh daifu;ka%

16-1-1 baMcSad epsZaV cSafdax lfoZl fy-

lalkèku vkcaVu ds ç;kstuksa vkSj lsxesaV fu"iknu ds vkdyu gsrq eq[; lapkyu fu.kZ; fuekZrk ¼lhvksMh,e &funs'kd eaMy½ dks fjiksVZ dh xbZ lwpuk iwjh rjg ls daiuh
ij dsafær gSA blfy,] çcaèku us fu"d"kZ fudkyk gS fd daiuh ds ikl dsoy ,d lsxesaV gSA

daiuh us fnlacj 1997 ls ykxw gq, lsch fofu;eu ds QyLo:i fuf/k vk/kkfjr fØ;kdykiksa dks can fd;k Fkk vkSj dsoy 'kqYd vk/kkfjr fØ;kdykiksa dks ysus dk fu.kZ;
fy;k FkkA fnlacj 1997 rd fo|eku fuf/k vk/kkfjr ,dLikst+j mudh lafonkÑr vof/k lekIr gksus rd tkjh j[ks x, gSaA LFkk;h tekvksa dh iqu% vnk;xh vkSj nkok u dh
xbZ lkofèk tekvksa dk vkbZbZih,Q dks varj.k djus ds ckn daiuh us Hkkjrh; fjt+oZ cSad ls ,uch,Qlh ds :i esa viuk iathdj.k jí fd;s tkus dh vuqefr çkIr dh gSA

17- vuq"kaxh daifu;ka%

17-1 baMcSad epsZaV cSafdax lfoZl fy-

bafM;u cSad] ewy laLFkk] us ` 897-48 yk[k dh jkf'k dh pqdkSrh ds fy, 3 lky dh vfèkLFkxu vofèk flracj 2013 ls flracj 2016 rd dks eqvkfot+k dk vfèkdkj [kaM ds
rgr 31-03-2017 dks lekIr gksus okys o"kZ ls 'kq: gksus okyh çfr Nekgh ` 75 yk[k dh pqdkSrh dks vfèkLFkxu@pqdkSrh vofèk ds fy, fcuk fdlh C;kt çHkkj ds vuqeksfnr
fd;k FkkA rnuqlkj ewylaLFkk cSad }kjk vuqeksfnr ”krksZa ds vuqlkj 31-03-2021 dk lekIr v/kZo"kZ gsrq daiuh us bafM;u cSad dks ` 750 yk[k pqdkSrh dh gSA

18- cSad,';wjsUl dkjksckj

ewy laLFkk

cSad }kjk fofHkUu cSad,';qjsal@E;qP;qvy QaM mRiknksa dh fcØh@foi.ku ij fiNys o"kZ izkIr `63-98 djksM+ dh vk; ds lkis{k orZeku o"kZ esa `85-01 djksM+ ds deh”ku
bR;kfn dk vtZu fd;k gSA ¼` djksM+ esa½
Øekad vk; dh izÑfr 2021-22 2020-21

1- thou chek ikfylh dh fcØh ds fy, 56.22 38.44

2- xSj thou chek ikfylh dh fcØh ds fy, 26.42 24.56

3 vU; & E;wpqvy QaM mRiknksa dh fcØh ds fy, 2.37 0.98

dqqy 85.01 63.98

- 176 -
19- vfrfjDr izdVhdj.k
ewy laLFkk

,½ lewg laLFkkvksa ds chp varj&cSad@daiuh dh 'ks"k jkf'k dk lekèkku fujarj vkèkkj ij fd;k tk jgk gSA bl rjg ds lekèkku dk pkyw o"kZ ds ykHk vkSj gkfu [kkrs
ij dksbZ HkkSfrd çHkko visf{kr ugha gSA

ch½ orZeku vkjchvkbZ fn'kkfunZs'kksa ds vuqlkj] lesfdr foÙkh; foojf.k;ksa dks rS;kj djus esa vkbZlh,vkbZ }kjk tkjh lkekU; Li"Vhdj.k ij fopkj fd;k x;k gSA
rnuqlkj] ewy laLFkk vkSj mldh lgk;d daifu;ksa dh vyx&vyx foÙkh; foojf.k;ksa esa çdV dh xbZ vfrfjä oSèkkfud tkudkjh dk lesfdr foÙkh; fooj.kksa ds
lgh vkSj fu"i{k –f"Vdks.k ij dksbZ vlj ugha iM+rk gS vkSj lkFk gh vkbZlh,vkbZ }kjk tkjh ys[kk ekud O;k[;k ds eísutj lesfdr foÙkh; foojf.k;ksa esa mu enksa
ls lacafèkr tkudkjh dk çdVhdj.k ugha fd;k x;k gS tks egRoiw.kZ ugha gSaA

lh½ cSad ds ikl miyCèk lwpuk ds vuqlkj] cSad }kjk igpkuh xbZ ,e,l,ebZ bdkb;ksa dks cSad }kjk dksbZ cdk;k ns; ugha gS] tks ,e,l,ebZMh vfèkfu;e] 2006 ds
rgr fuèkkZfjr le; lhek ls vfèkd yafcr gS rFkk o"kZ ds nkSjku ,slh ikfVZ;ksa ds fy, ewy jkf'k ;k ml ij C;kt ds foyafcr Hkqxrku ds lacaèk esa Loh—r ns;rk dk
dksbZ ekeyk ntZ ugha fd;k x;k gSA

20- tgka Hkh vko';d gks] pkyw o"kZ ds vkadMksa ds vuq:Ik cukus ds fy, fiNys o"kZ ds vkadM+ksa dks iqu% oxhZÑr fd;k x;k gSA

- 177 -
 Lora= ys[kkijh{kd dh fjiksVZ
lsok esa]
bafM;u cSad ds lnL;x.k
lesfdr foÙkh; fooj.kksa dh ys[kkijh{kk ij fjiksVZA
vfHker
1- geus bafM;u cSad ¼^^ewy laLFkk@cSad** ds :i esa lanfHkZr½ ,oa 31 ekpZ] 2022 ds lesfdr rqyu&i= esa lekfgr blds lg;ksfx;ksa vkSj la;qä m|eksa ds vtZu dh
fgLlsnkjh lfgr bldh vuq"kafx;ksa] blh o"kZ dh lekfIr ij lesfdr ykHk vkSj gkfu ys[kksa ds fooj.k o lesfdr udnh izokg fooj.k ,oa eq[; ys[kkadu uhfr;ksa ds lkj
lfgr lesfdr foRrh; fooj.kksa ij ys[kksa ,oa vU; O;k[;kRed lwpuk ftlesa fuEufyf[kr “kkfey gS %
,½ gekjs }kjk leh{kk fd, x, cSad ds ys[kkijhf{kr fooj.k (
ch½ vU; ys[kkijh{kdksa }kjk ys[kkijhf{kr 2 vuq‘kafx;ksa vkSj 2 lg;ksfx;ksa ds ys[kkijhf{kr fooj.k ( ,oa
lh½ 2 la;qDr m|eksa vkSj 1 lg;ksxh ds vys[kkijhf{kr fooj.k (
mijksDr ,½] ch½ o lh½ laLFkkvksa dks ,d lkFk lewg ds :i esa lanfHkZr fd;k tkrk gS
dk ys[kk&tks[kk fd;k gSA
gekjh jk; esa ,oa gekjh Js"Bre tkudkjh rFkk gesa fn, x, Li"Vhdj.kksa ds vuqlkj vkSj vuq"kafx;ksa ds vyx&vyx foÙkh; fooj.kksa ij vU; ys[kk ijh{kdksa dh fjiksVZ vkSj
la;qä m|e vkSj lg;ksfx;ksa dh vys[kkijhf{kr vyx foÙkh; fooj.kksa vkSj vU; foÙkh; tkudkjh ij gekjs fopkj ds vk/kkj ij tSlk fd çca/ku }kjk çLrqr fd;k x;k gS]
iwoksZä lesfdr foÙkh; fooj.k %
d½ lesfdr cSysal 'khV ds ekeys esa 31 ekpZ] 2022 rd lewg ds ekeyksa dh fLFkfr ds lgh vkSj fu"i{k –f"Vdks.k n'kkZrs gSA
[k½ ml frfFk dks lekIr o"kZ ds fy, lesfdr ykHk vkSj gkfu fooj.k ds ekeys esa ykHk dk lgh 'ks"k vkSj
x½ lesfdr udnh izokg lacaèkh fooj.k ml frfFk dks lekIr o"kZ ds fy, udnh izokg dk lgh vkSj fu"i{k –f"Vdks.k n'kkZrs gSA
vfHker dk vk/kkj
2- geus viuh ys[kk ijh{kk vkbZlh,vkbZ }kjk tkjh v‚fMfVax ij ekudksa ¼,l,½ ds vuqlkj lapkfyr dh gSA mu ekudksa ds rgr gekjh ftEesnkfj;ksa dks gekjh fjiksVZ ds
lesfdr foÙkh; fooj.kksa dh ys[kkijh{kk gsrq ys[kkijh{kd dh ftEesnkfj;ksa vuqHkkx esa vkxs of.kZr fd;k x;k gSA Hkkjrh; lunh ys[kkdkj laLFkku }kjk tkjh uSfrd
vkpkj lafgrk o lkFk gh uSfrd vis{kk,a tks lesfdr foÙkh; fooj.kksa ds gekjs v‚fMV ds fy, çklafxd gSa ds vuqlkj ge cSad ls Lora= gSa vkSj geus viuh vU; uSfrd
ftEesnkfj;ksa dks bu vko';drkvksa vkSj vkpkj lafgrk ds vuqlkj iwjk fd;k gSA ge ekurs gSa fd geus tks ys[kk ijh{kk lk{; çkIr fd, gSa] os gekjh jk; ds fy, vk/kkj
çnku djus ds fy, i;kZIr vkSj mi;qä gSaA
ekeys dk egRo
ge fuEufyf[kr ij /;ku vkdf"kZr djrs gSa
3- lesfdr foÙkh; fooj.k dh vuqlwph 18 dh uksV la[;k 6 tks Hkfo"; ds O;kikj vkSj foÙkh; ifj.kkeksa ij dksfoM&19 dh otg ls mRiUu vfuf'prrkvksa ds çHkko rFkk
ekStwnk fLFkfr esa mlds çca/ku ds ewY;kadu] ekStwnk vfuf'prrkvksa ls mRiUu pqukSfr;ksa ds lanHkZ esa çca/ku bu vfuf'prrkvksa ds çHkko dk ewY;kadu djus dh çfØ;k
esa gSA
mijksä ekeyksa ds laca/k esa gekjh jk; esa dksbZ cnyko ugha fd;k x;k gSA
çeq[k ys[kkijh{kk rF;
4- çeq[k ys[kkijh{kk rF; os rF; gSa] tks gekjs is'ksoj fu.kZ; esa] 31 ekpZ 2022 dks lekIr o"kZ ds fy, lesfdr foÙkh; fooj.kksa dh gekjh ys[kkijh{kk esa lcls egRoiw.kZ FksA
bu rF;ksa ij lesfdr foÙkh; fooj.kksa dh gekjh ys[kkijh{kk ds lanHkZ esa vkSj ml ij viuh jk; cukus esa lexz :i ls ppkZ dh xbZ Fkh] blfy, bu rF;ksa ij ge vyx
ls jk; çnku ugha djrs gSaA geus uhps of.kZr rF;ksa dks viuh fjiksVZ esa laçsf"kr fd, tkusokys çeq[k ys[kkijh{kk rF; ds :i esa fu/kkZfjr fd;k gS%

- 178 -
Ø-
çeq[k ys[kkijh{kk rF; ys[kkijh{kk esa eq[; ys[kkijh{kk rF; dks fdl :i esa Lohdkj fd;k x;k Fkk
la-
cSad d¢ laca/k esa
1- vfxzeksa dk oxhZdj.k] vk; dh igpku] vutZd vfxzeksa dh fu;a=.k ds ijh{k.k
igpku vkSj çko/kku
_.kksa dh Loh—fr] vfHkys[k vkSj fuxjkuh] vfrns; _.kksa dh fuxjkuh çfØ;k] çko/kkuksa dh
lewg ,oa blds ,lksfl,V~l dk fuoy vfxze dqy laifÙk dk x.kuk] ,uih, [kkrksa dh igpku vkSj çR;korZu vk; ls lacaf/kr çeq[k vkarfjd fu;a=.kksa ds
57.73% gS] tks lesfdr foÙkh; fooj.kksa dk egRoiw.kZ fgLlk gSA fMtkbu] dk;kZUo;u vkSj lapkyu çHkko'khyrk dk vkdyu] rFkk çca/ku lwpuk ¼vfrns;
fjiksVZ lfgr½ dh fo'oluh;rk dk vkdyuA
vk; dh igpku vkSj vkfLr oxhZdj.k ¼ÞvkbZvkj,lhÞ½ laca/kh
Hkkjrh; fjtoZ cSad ds ¼ÞvkjchvkbZÞ½ fn'kkfunsZ'kksa esa vutZd oLrqijd ijh{k.k
vkfLr;ksa ¼",uih,"½ dh igpku vkSj oxhZdj.k ds fy, foosdiw.kZ
ekunaM vkSj ,slh vkfLr;ksa ds fy, vko';d U;wure çko/kku _.k [kkrksa dk uewuk ftlesa cM+s@nckoxzLr vfxze 'kkfey Fks vkSj gesa vkCkafVr 'kh"kZ
fu/kkZfjr fd, tkrs gSaA 'kk[kkvksa esa uewuk vk/kkj ij dqN vU; vfxze fy, x, Fks] rFkk ,sls uewuksa esa geus
fuEufyf[kr tkap dh%
vtZd vkSj vutZd vfxzeksa dh igpku esa mfpr i)fr;ka 'kkfey
gSA cSad ds vfxzeksa ls lacaf/kr lHkh ysunsu dk C;kSjk mldh lwpuk Ÿ vk; dh igpku ds fy, flLVe esa MsVk buiqV dh lVhdrk vkSj vtZd ;k vutZd
çkS|ksfxdh ç.kkfy;ksa ¼vkbZVh flLVe½ esa gS tks vfxze ds vtZd ;k vfxze ds :i esa igpkuA
vutZd gksus dh fLFkfr dks fpfàr] mlds ,uih, oxhZdj.k vkSj Ÿ p;fur vtZd vfxzeksa dk oxhZdj.k lgh <ax ls fd;k x;k Fkk ;k ugha ;g tkuus ds fy,
çko/kku dh x.kuk Hkh djrk gSA Lora= :i ls ewY;kadu fd;k x;kA
bu vfxzeksa dk ogu ewY; ¼çko/kkuksa dk fuoy½ HkkSfrd :i ls xyr Ÿ bu ikfVZ;ksa ds ckjs esa miyC/k Lkesfdr foÙkh; fooj.kksa] laik”foZd ewY;kadu vkSj vU;
crk;k tk ldrk gS] ;fn O;fäxr :i ls ;k dqy feykdj] xq.kkRed tkudkjh dh leh{kk dh xbZA
vkbZvkj,lh ekunaMksa dk Bhd ls ikyu ugha fd;k tkrk gSA
Ÿ vkbZvkj,lh ekunaMksa ds vuq:i ,uih, çko/kkuksa vkSj vk; ds çR;korZu dh x.kuk ds
ysu&nsu dh ç—fr] fofu;ked vis{kk,¡] ekStwnk dkjksckjh ekgkSy] fooj.k dk ijh{k.kA
çfrHkwfr;ksa ds ewY;kadu esa 'kkfey vuqeku/fu.kZ; dks /;ku esa j[krs
gq,] ;g Lkesfdr foÙkh; fooj.kksa ds bfPNr mi;ksxdrkZvksa ds fy, Ÿ vkjchvkbZ ds fn'kkfunsZ'kksa dk vuqikyu lqfuf'pr djus ds fy, cSad }kjk fu/kkZfjr
mPp egRo dk ekeyk gS blfy, geus ,uih, dh igpku vkSj m/kkjdrkZokj ,uih, igpku dh tk¡p dh xbZA
çko/kku dks ,d çeq[k ys[kkijh{kk rF; ds :i esa lqfuf'pr fd;k
Ÿ vkjchvkbZ ds ekunaMksa dk vuqikyu lqfuf'pr djus ds fy, fofHkUu Jsf.k;ksa ds _.kksa ds
gSA
fy, ekud vfxzeksa ds çko/kkuksa dh tk¡p dh xbZA
Ÿ ,uih, dh fuxjkuh vkSj le; ij fjiksfVaZx esa vkarfjd ys[kkijh{kk] leorhZ ys[kkijh{kk]
flLVe ys[kkijh{kk vkfn tSls fuxjkuh ra= dh ekStwnxh vkSj çHkko'khyrkA
Ÿ vU; lkafof/kd 'kk[kk ys[kkijh{kdksa dh ys[kkijh{kk fjiksVksaZ ij Hkh Hkjkslk fd;k tkrk gS]
ftudh geus tkap dh gS vkSj çklafxd fVIif.k;ksa ij fopkj fd;k gSA
2- fuos'kksa dk oxhZdj.k vkSj ewY;kadu] vutZd fuos'kksa dh vkjchvkbZ ds ifji=ksa@funsZ'kksa ds lanHkZ esa fuos'k ds çfr gekjs ys[kkijh{kk –f"Vdks.k esa
igpku vkSj çko/kku vkarfjd fu;a=.kksa ds fMtkbu] ifjpkyu çHkko'khyrk rFkk vutZd fuos'kksa ds ewY;kadu]
oxhZdj.k] igpku vkSj fuos'kksa ls lacaf/kr çko/kku@ewY;ºzkl ds laca/k esa Lora= ys[kkijh{kk
Ÿ fuos'k esa cSad }kjk fofHkUu ljdkjh çfrHkwfr;ksa] ckaMksa] fMcsapj] çfØ;kvksa dh leh{kk vkSj ijh{k.k 'kkfey FksA fo'ks"k :i ls]
'ks;jksa] çfrHkwfr jlhnksa rFkk ifjiDork rd /kkfjr] fcØh ds
fy, miyC/k vkSj O;kikj ds fy, /kkfjr Jsf.k;ksa ds rgr 1½ geus vutZd fuos'kksa ds ewY;kadu] oxhZdj.k vkSj igpku] fuos'k ls lacaf/kr
oxhZ—r vU; vuqeksfnr çfrHkwfr;ka 'kkfey gSaA çko/kku@ewY;ºzkl ds laca/k esa vkjchvkbZ ds fn'kkfunsZ'kksa dk ikyu djus ds fy, cSad dh
vkarfjd fu;a=.k ç.kkyh dk ewY;kadu fd;k vkSj le>kA
Ÿ fuos'k cSad dh dqy laifÙk dk 26-18 çfr'kr gSA ;s Hkkjrh;
fjtoZ cSad ¼vkjchvkbZ½ ds ifji=ksa vkSj funsZ'kksa }kjk 'kkflr 2½ geus bu fuos'kksa ds mfpr ewY; ds fu/kkZj.k gsrw fofHkUu lzksrksa ls tkudkjh ,d= djus ds
gksrs gSaA vkjchvkbZ ds bu funsZ'kksa esa vU; ckrksa ds lkFk&lkFk fy, viukbZ xbZ çfØ;k dk vkdyu vkSj ewY;kadu fd;kA
fuos'k dk ewY;kadu] fuos'k dk oxhZdj.k] vutZd fuos'k dh
igpku] vk; dh lacaf/kr xSj&ekU;rk vkSj mlds lkis{k 3½ fuos'k ds p;fur uewus ds fy,] geus çfrHkwfr dh çR;sd Js.kh dk iquewZY;kadu dj
çko/kku 'kkfey gSaA vkjchvkbZ ekLVj ifji=ksa vkSj funsZ'kksa dh lVhdrk ,oa vuqikyu dk ijh{k.k fd;kA
uewuksa dk p;u ;g lqfuf'pr djus ds ckn fd;k x;k Fkk fd fuos'k dh lHkh Jsf.k;ksa
¼çfrHkwfr dh ç—fr ds vk/kkj ij½ ds uewus esa 'kkfey gSaA

- 179 -
Ø- çeq[k ys[kkijh{kk rF; ys[kkijh{kk esa eq[; ys[kkijh{kk rF; dks fdl :i esa Lohdkj fd;k x;k Fkk
la-
Ÿ iwoksZä çfrHkwfr;ksa dh çR;sd Js.kh ¼çdkj½ dk ewY;kadu 4½ geus ,uihvkbZ dh igpku dh çfØ;k o vk; ds lacafèkr izR;korZu ,oa vkSj çkoèkku ds
vkjchvkbZ }kjk tkjh ifji=ksa vkSj funsZ'kksa esa fu/kkZfjr i)fr fuekZ.kksa dk fuèkkZj.k vkSj ewY;kadu fd;k(
ds vuqlkj fd;k tkuk gS ftlesa fofHkUu lzksrksa ls MsVk@
lwpuk dk laxzg 'kkfey gS tSls fd ,QvkbZ,e,eMh, njsa] 5½ geus Hkkjrh; fjtoZ cSad ds ifji=ksa vkSj funs'kksa ds vuqlkj vuqjf{kr çkoèkku vkSj çnku
ch,lbZ@,u,lbZ ij m)`r njsa] xSj&lwphc) daifu;ksa ds fd, tkus okys ewY;ºzkl dks Lora= :i ls iquxZ.kuk djus ds fy, okLrfod ys[kk ijh{kk
foÙkh; fooj.k vkfnA çfØ;k,a dha A rnuqlkj] geus çR;sd Js.kh ds fuos'k ls uewuksa dk p;u fd;k vkSj
vkjchvkbZ ds fn'kkfunZs'kksa ds vuqlkj ,uihvkbZ ds fy, ijh{k.k fd;k vkSj ,uihvkbZ ds
ewY;kadu] ysu&nsu dh ek=k] fuos'k vkSj fu;ked Qksdl dh ek=k mu p;fur uewuksa ds fy, Hkkjrh; fjtoZ cSad ifji= ds vuqlkj vuqjf{kr çkoèkku dh
esa 'kkfey fu.kZ; dh tfVyrkvksa vkSj lhek dks è;ku esa j[krs gq,] iquxZ.kuk dh(
bls ,d çeq[k ys[kkijh{kk ekeys ds :i esa fuèkkZfjr fd;k x;k gSA
6½ mä Hkkjrh; fjtoZ cSad ds ifji= @ funs'kksa ds vuqlkj çLrqfrdj.k vkSj çdVhdj.k
rnuqlkj] gekjh ys[kkijh{kk fuos'kksa ds ewY;kadu] oxÊdj.k] vko';drkvksa dk vuqikyu lqfuf'pr djus ds fy,] geus fuos'k ,fIyds'ku l‚¶+Vos;j
vutZd fuos'kksa dh igpku vkSj fuos'k ls lacafèkr çkoèkkuhdj.k ij vkSj foÙkh; fooj.k rS;kj djus okys l‚¶+Vos;j ds chp fuos'k dh eSfiax dk ijh{k.k
dsafær FkhA fd;kA

lesfdr foÙkh; fooj.kksa ,oa ys[kkijh{kd dh fjiksVZ ls brj vU; lwpuk

5- vU; lwpuk ds fy, cSad dk funs'kd eaMy ftEesnkj gSA vU; lwpuk esa dkWiksZjsV vfHk'kklu fjiksVZ 'kkfey gksrh gS ftls geus bl fjiksVZ ds lkFk tkjh fd;k gS ¼fdarq
blesa lesfdr foÙkh; fooj.k ,oa gekjh ys[kkijh{kk fjiksVZ 'kkfey ugha gkssrs½A okf"kZd fjiksVZ esa layXu vuqca/kksa lfgr] ;fn dksbZ gks] funs'kdksa dh fjiksVZ dks gesa bl
ys[kkijh{kd fjiksVZ dh fnukad ds i'pkr~ miyC/k djok;k tkuk visf{kr gSA
lesfdr foÙkh; fooj.kksa ij gekjh jk; vU; lwpuk ,oa csly III ds rgr fiYyj 3 ds izdVhdj.kksa dks doj ugha djrh gS rFkk ml ij gekjs }kjk fdlh Hkh izdkj dk
vk'oklu O;Dr ugha fd;k tkrk vkSj uk gh ,slk fd;k tk,xkA
lesfdr foÙkh; fooj.kksa ij gekjh ys[kkijh{kk ds laca/k esa] gekjh ftEesnkjh vU; lwpuk dks i<+uk ,oa ,slk djrs gq, ;g fopkj djuk gS fd D;k vU; lwpuk lesfdr
foÙkh; fooj.kksa ;k ys[kkijh{kk ds nkSjku fufeZr gqbZ gekjh le> ls HkkSfrd rkSj ij vlaxr gS ;k vU;Fkk HkkSfrd :i ls xyr izrhr gksrh gSA
tc ge cSad ds funs'kdksa dh fjiksVZ dks okf"kZd fjiksVZ esa layXu vuqca/kksa ds lkFk] ;fn dksbZ gks] i<+rs gSa] ;fn ge ;g fu.kZ; nsrs gSa fd mDr esa HkkSfrd vlaxrrk gS] rks
gekjs }kjk ;g rF; vfHk'kklu izHkkjh dks crk;k tkuk visf{kr gS
lesfdr foÙkh; fooj.k ds fy, izca/ku o vfHk'kklu izHkkjh dk mÙkjnkf;Ro %
6- cSad ds funs'kd eaMy] Hkkjr ds lunh ys[kkdkj laLFkku }kjk tkjh ys[kk ekud esa fu/kkZfjr ekU;rk vkSj eki fl)karksa] cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 29
ds çko/kku lfgr Hkkjr esa vkerkSj ij Lohd`r vU; ys[kk fl)karksa vkSj Hkkjrh; fjtoZ cSad }kjk le;&le; ij tkjh fd, x, ifji= o fn'kkfunsZ'kksa ds vuqlkj bu
lesfdr foÙkh; fooj.kksa dks rS;kj djus ds fy, ftEesnkj gSa tks lesfdr foÙkh; fLFkfr] lesfdr foÙkh; dk;Z&fu"iknu vkSj lkewfgd laLFkkvksa o lg;ksfx;ksa ds
lesfdr udnh izokg dks lVhd vkSj fu"i{k :i ls n'kkZrs gSaA bl mÙkjnkf;Ro esa] vf/kfu;e ds çko/kku ds vuqikyu esa cSad dh vkfLr;ksa dks lqjf{kr j[kus rFkk
/kks[kk/kM+h ,oa vU; vfu;ferrkvksa dk irk yxkus ,oa jksdus( mfpr ys[kkadu uhfr;ksa dk p;u ,oa mUgsa ykxw djus( mfpr vkSj foosdiw.kZ fu.kZ; ,oa vkadyu ds fy,
i;kZIr ys[kkadu fjd‚MZ dks cuk, j[kus vkSj ys[kkadu fjd‚MZ dh lVhdrk o laiw.kZrk dks lqfuf'pr djus gsrq çHkkoh rkSj ij ifjpkfyr i;kZIr vkarfjd foÙkh;
fu;a=.kksa dks fufeZr djuk] ykxw djuk ,oa cuk, j[kuk 'kkfey gS tksfd lesfdr foÙkh; fooj.kksa ds fuekZ.k] çLrqrhdj.k gsrq çklafxd gS tks lR; vkSj fu"i{krk n'kkZrs
gSa vkSj fdlh çdkj ds egRoiw.kZ feF;kdFku] pkgs og diV vFkok =qfVo'k gks] ls eqä gSa] 'kkfey gSaA
lesfdr foÙkh; fooj.k dks rS;kj djus esa lkewfgd laLFkkvksa o lg;ksfx;ksa ls lacaf/kr funs'kd eaMy dk ;g nkf;Ro gksrk gS fd og lacaf/kr laLFkk ds dk;Z'khy laLFkk
ds :i esa dk;Z tkjh djus dh ;ksX;rk dk ewY;kadu djsa] dk;Z'khy laLFkk ls lacfU/kr ekeyksa esa ;Fkkç;ksT; çdVu djsa] ys[kkadu dk dk;Z'khy laLFkk vk/kkj ij ç;ksx
djsa tc rd fd çca/ku dk bjknk lkewfgd laLFkk ds ifjlekiu vFkok ifjpkyuksa dks can djus dk u gks ;k ,slk djus dk dksbZ O;kogkfjd fodYi u gksA
lkewfgd laLFkkvksa o lg;ksfx;ksa ls lacaf/kr funs'kd eaMy lkewfgd laLFkk dh foÙkh; fjiksfVaZx çfØ;k dh fuxjkuh ds fy, Hkh mÙkjnk;h gSaA
lesfdr foÙkh; fooj.k dh ys[kkijh{kk ds fy, ys[kkijh{kd dk mÙkjnkf;Ro
7- gekjk y{; mfpr vk'oklu çkIr djuk gS fd okf"kZd lesfdr foÙkh; fooj.k HkkSfrd =qfV;ksa ls iw.kZr% eqä gks pkgs os /kks[kk/kM+h ;k =qfV ds dkj.k gh gksa rFkk gekjh
jk; lfgr ys[kkijh{kd dh fjiksVZ çnku djuk gSA mfpr vk'oklu mPpdksfV dk vk'oklu gS ysfdu ;g xkjaVh ugha gS fd ,l, ds vuqikyu esa dh xbZ ys[kkijh{kk
=qfV mRiUu gksus ij ges'kk gh bUgsa igpku ldsxhA /kks[kk/kM+h ;k xyfr;ksa ls feF;kdFku vk ldrs gSa rFkk ,dy ;k ldy :i esa mi;ksxdrkZvksa }kjk bu lesfdr
foÙkh; fooj.kksa ds vk/kkj ij fy, x, vkfFkZd fu.kZ;ksa dks çHkkfor dj ldrs gSaA
,l, ds vuqikyu esa ge is'ksxr fu.kZ; nsrs gSa rFkk ys[kkijh{kk djrs le; is'ksxr la'k;kRedrk cuk, j[krs gSaA ge ;g Hkh %
Ÿ lesfdr foÙkh; fooj.k dh HkkSfrd =qfV;ksa] pkgs og /kks[kk/kM+h ds dkj.k gks ;k fdlh Hkwyo'k] ds tksf[ke dk vkdyu rFkk igpku djuk vkSj lajpuk ,oa bu
tksf[keksa ds mÙkjnkf;Ro ds fy, ys[kkijh{k.k djuk rFkk gekjh jk; çnku djus ds fy, i;kZIr vkSj mfpr ys[kklk{; çkIr djukA HkkSfrd =qfV;ksa esa /kks[kk/kM+h ds

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 dkj.k gqbZ xyrh dh igpku u gks ikuk] Hkwyo'k gqbZ =qfV ls cM+k tksf[ke gS] D;ksafd /kks[kk/kM+h esa feyhHkxr] tkylkth] lkfHkçk; pwd] feF;k fu:i.k ;k
vkarfjd fu;a=.k dh vogsyuk 'kkfey gks ldrk gSA
Ÿ ifjfLFkfr ds vuqlkj mi;qä ys[kkijh{kk çfØ;kvksa dks fMtkbu djus ds fy, ys[kkijh{kk ls lacaf/kr vkarfjd fu;a=.k dh le> çkIr djsaA
Ÿ ç;qä ys[kkadu uhfr;ksa ds vkSfpR; ,oa ys[kkadu vuqekuksa o izca/ku }kjk fd, x, lacaf/kr çdVhdj.k dh rdZlaxrrk dk ewY;kadu djukA
Ÿ ys[kk ,oa çkIr ys[kk lk{;ksa ds vk/kkj ij izca/ku] dk;Z'khy laLFkk ds mi;ksx ds vkSfpR; ij fu"d"kZ fudkyuk fd D;k ?kVukvksa ;k fLFkfr;ksa esa HkkSfrd
vfuf'prrk gS tks lkewfgd laLFkk rFkk blds lg;ksfx;ksa dks dk;Z'khy laLFkk cus jgus esa lansg mRiUu djrh gSaA ;fn ge bl fu"d"kZ ij igq¡prs gSa fd
vfuf'prrk gS] rks ;g gekjs fy, vko';d gS fd lesfdr foÙkh; fooj.kksa esa çdVhdj.k ds laca/k esa viuh ys[kkijh{kd dh fjiksVZ esa /;ku vkdf"kZr djsa vFkok
;fn çdVhdj.k vi;kZIr gks rks viuh jk; esa ifjorZu djsaA gekjs fu"d"kZ gekjh ys[kkijh{kk dh fjiksVZ dh frfFk rd çkIr ys[kk lk{;ksa ds vk/kkj ij gksrs gSaA
gkykafd] Hkfo"; dh ?kVuk,¡ ,oa fLFkfr;k¡ lkewfgd laLFkk rFkk blds lg;ksfx;ksa dks dk;Z'khy laLFkk cus jgus ls jksd ldrh gSaA
Ÿ çdVhdj.k lfgr lesfdr foÙkh; fooj.kksa dh lajpuk] lkexzh rFkk lEiw.kZ çLrqrhdj.k dk ewY;kadu djuk vkSj bldk Hkh tk;tk ysuk fd D;k lesfdr
foÙkh; fooj.kksa esa varfuZfgr ysu&nsu ,oa ?kVuk,¡ mfpr çLrqrhdj.k çLrqr djrh gSA
Ÿ lewg vkSj lg;ksfx;ksa ds Hkhrj ,slh laLFkkvksa ;k O;kolkf;d xfrfof/k;ksa dh foÙkh; tkudkjh ds laca/k esa i;kZIr mi;qä v‚fMV lk{; çkIr djuk ,oa lesfdr
foÙkh; fooj.kksa ij jk; O;ä djukA ge lesfdr foÙkh; fooj.kksa esa 'kkfey ,slh laLFkkvksa dh foÙkh; tkudkjh dh ys[kkijh{kk ds funsZ'ku] i;Zos{k.k vkSj fu"iknu
ds fy, ftEesnkj gSa] ftuds fy, ge Lora= ys[kkijh{kd gSaA lesfdr foÙkh; fooj.kksa esa 'kkfey vU; laLFkkvksa ds fy,] ftudh vU; ys[kkijh{kdksa }kjk
ys[kk&ijh{kk dh xbZ gS] ,sls vU; ys[kkijh{kd muds }kjk dh xbZ ys[kkijh{kk ds funsZ'ku] i;Zos{k.k vkSj fu"iknu ds fy, ftEesnkj gSaA ge viuh ys[kkijh{kk jk;
ds fy, iwjh rjg mÙkjnk;h gSaA
HkkSfrdrk lesfdr foÙkh; fooj.kksa esa xyr c;kuksa dk ifjek.k gS] tks O;fäxr :i ls ;k lexz :i ls] ;g laHko cukrk gS fd foÙkh; fooj.kksa ds mfpr tkudkj
mi;ksxdrkZ ds vkfFkZd fu.kZ; çHkkfor gks ldrs gSaA ge ¼i½ vius ys[kk ijh{kk dk;Z ds nk;js dh ;kstuk cukus vkSj vius dke ds ifj.kkeksa dk ewY;kadu djus ds fy,( vkSj
¼ii½ lesfdr foÙkh; fooj.kksa esa fdlh Hkh igpkus x, xyr fooj.k ds çHkko dk ewY;kadu djus ds fy, ek=kRed HkkSfrdrk vkSj xq.kkRed rF;ksa ij fopkj djrs gSaA
geus cSad vfHk'kkldksa dks rFkk lesfdr foÙkh; fooj.kksa esa lekfgr mu laLFkkvksa dks ftuds fy, ge Lora= ys[kkijh{kd gSa] vU; ekeyksa ds e/;] ys[kkijh{kk dk ;kstukc)
<kapk o le; ,oa ys[kkijh{kk ds nkSjku vkarfjd fu;a=.k esa gekjs }kjk ikbZ xbZ fdlh egRoiw.kZ deh lfgr ys[kkijh{kk ds egRoiw.kZ ifj.kkeksa dk fooj.k çnku fd;k gSA
geus vfHk'kkldksa dks ,slk fooj.k Hkh çnku fd;k gS fd geus Lora=rk laca/kh uSfrd vko';drkvksa dk vuqikyu fd;k gS rFkk ge mUgsa ,sls laca/k ,oa vU; ekeys Hkh lwfpr
djrs gSa] tks gekjh Lora=rk ls lacfU/kr gksrs gSa vkSj lqj{kk ds laca/k esa ykxw gksrs gSaA
vfHk'kkldksa dks laçsf"kr fd, x, ekeyksa esa ls ge mu ekeyksa dk fu/kkZj.k djrs gSa tks orZeku vof/k ds lesfdr foÙkh; fooj.kksa dh ys[kkijh{kk esa lcls egRoiw.kZ Fks vkSj
blfy, os çeq[k ys[kkijh{kk ekeys gSaA ge viuh ys[kk ijh{kd dh fjiksVZ esa bu ekeyksa dk o.kZu djrs gSa tc rd fd dkuwu ;k fofu;eu ekeys ds ckjs esa lkoZtfud
çdVhdj.k dks jksdrk ugha gS ;k tc] vR;ar nqyZHk ifjfLFkfr;ksa esa] ge ;g fu/kkZfjr djrs gSa fd ekeys dks gekjh fjiksVZ esa laçsf"kr ugha fd;k tkuk pkfg, D;ksafd ,slk djus
ls gksus okys çfrdwy ifj.kkeksa ls bl rjg ds lapkj ds lkoZtfud fgr ds ykHkksa ls vf/kd gksus dh mEehn dh tk,xhA
vU; ekeys
8- geus mu nks ¼2½ vuq"kafx;ksa ds foÙkh; fooj.kksa@foÙkh; lwpuk dh ys[kkijh{kk ugha dh gS] ftuds foÙkh; fooj.k@foÙkh; tkudkjh 31 ekpZ] 2022 dks ` 62-44 djksM+
dh dqy laifÙk ,oa bl fnukad dks lekIr foÙkh; o"kZ ds fy, ` 17-95 djksM+ dk dqy jktLo] tksfd lesfdr foÙkh; fooj.k esa ekuk x;k gS] n'kkZrs gSaA 31 ekpZ] 2022
dks lekIr o"kZ ds fy, mu nks vuq"kafx;ksa] ftuds foÙkh; fooj.kksa dh ys[kkijh{kk gekjs }kjk ugha dh xbZ gS] ls lacaf/kr lewg ds ` 74-95 djksM+ ds fuoy ykHk] tksfd
lesfdr foÙkh; fooj.k esa ekuk x;k gS] dh fgLlsnkjh dks Hkh lesfdr foÙkh; fooj.kksa esa tksM+k x;k gSA bu foÙkh; fooj.kksa dh ys[kk ijh{kk vU; ys[kk ijh{kdksa }kjk dh
xbZ gS] ftudh fjiksVZ gesa izca/ku }kjk çLrqr dh xbZ gS] vkSj tgka rd bu vuq‘kafx;ksa ls lacaf/kr jkf'k vkSj çdVhdj.k dh ckr gS rks lesfdr foÙkh; fooj.kksa ij
gekjh jk; ,oa mDr vuq'kafx;ksa ds laca/k esa gekjh fjiksVZ iwjh rjg ls vU; ys[kk ijh{kdksa dh fjiksVZ ij vk/kkfjr gSA
9- geus mu nks ¼2½ la;qDr m|eksa ds foÙkh; fooj.kksa dh ys[kkijh{kk ugha dh gS] ftuds foÙkh; fooj.k 31 ekpZ] 2022 dks ` 1570-24 djksM+ dh dqy laifÙk] #- 478-76
djksM+ dk dqy jktLo ,oa bl fnukad dks lekIr foÙkh; o"kZ ds fy, ` 43-80 djksM+ ds fuoy ykHk eas lewg dh fgLlsnkjh] tksfd lesfdr foÙkh; fooj.k esa ekuk x;k
gS] n'kkZrs gSaA 31 ekpZ] 2022 dks lekIr o"kZ ds fy, mu ,d vuq"kafx;ksa] ftuds foÙkh; fooj.kksa dh ys[kkijh{kk gekjs }kjk ugha dh xbZ gS] ls lacaf/kr lewg ds ` 75-36
djksM+ ds fuoy ykHk] tksfd lesfdr foÙkh; fooj.k esa ekuk x;k gS] dh fgLlsnkjh dks Hkh lesfdr foÙkh; fooj.kksa esa tksM+k x;k gSA ;s foÙkh; fooj.k vys[kkijhf{kr gSa
vkSj çca/ku }kjk gesa çLrqr fd, x, gSa] tgka rd bu la;qä m|eksa vkSj lg;ksfx;ksa ds laca/k esa 'kkfey jkf'k;ksa vkSj çdVhdj.k dh ckr gS] ogk¡ lesfdr foÙkh;
fooj.kksa ij gekjh jk; iwjh rjg ls mDr vys[kkijhf{kr foÙkh; fooj.kksa ij vk/kkfjr gSA gekjh jk; esa vkSj çca/ku }kjk gesa nh xbZ tkudkjh vkSj Li"Vhdj.k ds
vuqlkj] ;s foÙkh; fooj.k lewg ds fy, egRoiw.kZ ugha gSaA
mijksä ekeyksa] fd, x, dk;Z o vU; ys[kkijh{kdksa dh fjiksVksZa dh fo”oluh;rk ,oa izca/ku }kjk izekf.kr vys[kkijhf{kr foÙkh; fooj.kksa@foÙkh; lwpukvksa ds laca/k
esa lesfdr foÙkh; fooj.kkas ij gekjh jk; esa dksbZ cnyko ugha fd;k x;k gSA
10- 31 ekpZ] 2021 dks lekIr fiNys o"kZ ds fy, cSad ds Lkesfdr foÙkh; fooj.kksa dh ys[kk ijh{kk la;qä ys[kk ijh{kdksa }kjk dh xbZ] ftuesa ls nks iwoZorhZ ys[kkijh{kk QeZ gSa
vkSj mUgksaus ,sls lesfdr foÙkh; ifj.kkeksa ij vifjofrZr jk; O;ä dh FkhA

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vU; fof/kd vkSj fofu;ked vis{kkvksa ij fjiksVZ
11- lesfdr rqyu&i= vkSj lesfdr ykHk ,oa gkfu ys[kk cSafdax fofu;eu vf/kfu;e] 1949 dh /kkjk 29 ds vuqlkj cuk, x, gSaA
12- mijksä 7 ls 9 rd iSjkxzkQksa esa ladsfrr ys[kkijh{kk lhekvksa ds v/;/khu vkSj cSaddkjh daiuh ¼miØeksa dk vtZu vkSj varj.k½ vf/kfu;e 1970@1980 dh
vis{kkuqlkj vkSj mlesa visf{kr çdVhdj.k dh lhekvksa ds v/;/khu] ge fjiksVZ djrs gSa fd
,½ geus lHkh tkudkjh o Li"Vhdj.k çkIr fd, gSa] tksfd gekjh Js"Bre tkudkjh o fo'okl ds vuqlkj gekjh ys[kkijh{kk ds ç;kstukFkZ vko';d Fks vkSj geus mUgsa
larks"ktud ik;kA
ch½ cSad ds ysu&nsu tksfd gekjs le{k vk, gSa cSad ds vf/kdkjksa ds Hkhrj gh gSa vkSj
lh½ dk;kZy;ksa ,oa 'kk[kkvksa rFkk cSad ds dk;kZy;ksa ls çkIr foojf.k;k¡ gekjh ys[kkijh{kk ds ç;kstukFkZ i;kZIr ik, x, gSaA
13- vkjchvkbZ ds i= la- Mhvks,l-,vkjth-la-6270@08-91-001@2019&20 fnukad 17 ekpZ] 2020 ¼;Fkk la'kksf/kr½] dh vis{kkuqlkj ge fjiksVZ djrs gSa fd
¼,½ funs'kdksa dh v;ksX;rk ls lacaf/kr daiuh vf/kfu;e] 2013 dh /kkjk 164 cSadksa ij ykxw ugha gksrh gSA vuq"kafx;ksa gsrq lkafof/kd ys[kkijh{kdksa dh fjiksVZ ds vk/kkj
ij] 31 ekpZ] 2022 rd fdlh Hkh vuq"kaxh ds funs'kdksa dks daiuh vf/kfu;e] 2013 dh /kkjk 164 dh mi&/kkjk ¼2½ ds lanHkZ esa vuq"kafx;ksa ds funs'kd ds :i esa fu;qä
fd, tkus ds fy, v;ksX; ugha Bgjk;k x;k gSA
¼ch½ foÙkh; ysunsu ;k ekeyksa ij dksbZ voyksdu ;k fVIi.kh ugha gS ftldk cSad ds dkedkt ij dksbZ çfrdwy çHkko iM+rk gSA
¼lh½ [kkrksa ds j[kj[kko vkSj mlls tqM+s vU; ekeyksa ls lacaf/kr dksbZ çfrcU/k] fNiko ;k çfrdwy fVIi.kh ugha gSA
¼Mh½ vkbZlh,vkbZ }kjk tkjh lkoZtfud {ks= ds cSadksa ds ekeys esa vkarfjd foÙkh; fu;a=.kksa dh ys[kkijh{kk ij rduhdh xkbM ds vuqPNsn 1-14 ds vuqlkj] foÙkh;
fjiksfVaZx ij vkarfjd foÙkh; fu;a=.k ds laca/k esa vkjchvkbZ }kjk crkbZ xbZ fjiksfVaZx vko';drk lkoZtfud {ks= ds cSadksa ¼ih,lch½ ds dsoy LVSaMvyksu foÙkh;
fooj.kksa ij gh ykxw gksxh ,oa ih,lch ds lesfdr foÙkh; fooj.kksa ij ;g ykxw ugha gksrhA rnuqlkj] 31 ekpZ] 2022 dks lesfdr foÙkh; fooj.kksa ds lanHkZ esa foÙkh;
fjiksfVaZx ij lewg ds vkarfjd foÙkh; fu;a=.k ij fjiksfVaZx ugha dh tkrh gSA
14- ge vkxs fjiksVZ djuk pkgrs gS fd]
¼,½ gekjh jk; esa] fof/k }kjk visf{kr [kkrs dh mfpr cgh cSad }kjk j[kh xbZ gSa tgka rd ;g mu cfg;ksa dh gekjh tkap ls çdV gksrk gS vkSj gekjs ys[kk ijh{kk ds
mís';ksa ds fy, i;kZIr foojf.k;k¡ gekjs }kjk nkSjk u fd xbZ 'kk[kkvksa ls çkIr dh xbZ gSSaA
¼ch½ bl fjiksVZ esa çnf'kZr lesfdr rqyu i= rFkk lesfdr ykHk ,oa gkfu ys[ks vkSj lesfdr udnh çokg ds fooj.k cgh [kkrksa vkSj 'kk[kkvksa }kjk çkIr foojf.k;k¡
tgka geus nkSjk ugha fd;k gS] ds vuqlkj gSaA
¼lh½ cSafdax fofu;eu vf/kfu;e 1949 dh /kkjk 29 ds v/khu 'kk[kk ys[kk ijh{kdksa }kjk 'kk[kk dk;kZy;ksa ds [kkrksa dh fjiksVZ tks ys[kk ijhf{kr fd;s gSa] gesa Hksth xbZ gSa
vkSj geus bl fjiksVZ dks rS;kj djrs le; budh mfpr :i ls tk¡p dh gS ( vkSj
¼Mh½ gekjh jk; esa lesfdr rqyu Ik=] lesfdr ykHk o gkfu ys[kk rFkk lesfdr udnh çokg fooj.k ç;ksT; ys[kkdj.k ekudksa dk vuqikyu bl gn rd djrs gSa fd
os Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr ys[kkadu uhfr;ksa ds lkFk vlaxr ugha gSaA

—rs JhjkeewfrZ ,aM daiuh —rs jfo jatu ,aM daiuh ,y,yih esllZ ih-ds- ,Q- Jh/kj ,aM laFkkue ,y,yih
lunh ys[kkdkj lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la- 003032S ,Qvkj la- 009073N/N500320 ,Qvkj la- 003990S / S200018

lk>snkj ,e çR;q"kk lk>snkj lqfer dqekj lk>snkj ih nsoh

¼,e-ua- 254141½ ¼,e-ua- 512555½ ¼,e-ua- 231549½
;wMhvkbZ,u % 22254141AJEAEL7018 ;wMhvkbZ,u % 22512555AIUPZD9911 ;wMhvkbZ,u % 22223137AJQJNC8037

esllZ th- uVslu ,aM daiuh esllZ ,l,vkjlh ,aM ,lksfl,V~l

lunh ys[kkdkj lunh ys[kkdkj
,Qvkj la- 002424S ,Qvkj la- 006085N

lk>snkj ojy{eh eqjyh lk>snkj psru BDdj

¼,e-ua- 028863½ ¼,e-ua- 114196½
;wMhvkbZ,u % 22028863AIUPWI6171 ;wMhvkbZ,u % 22114196AIUQFB9538

gLrk{kj dk LFkku % psUuS

fjiksVZ dh frfFk % 11 ebZ] 2022

- 182 -
 csly III- fiYyj III izdVhdj.k
ekpZ 31] 2022
Hkkjrh; fjtoZ cSad }kjk fu/kkZfjr fd, vuqlkj csly vis{kkvksa dh iwfrZ ds fy, vfrfjDr izdVhdj.k
lkj.kh Mh ,Q & 1
vuqiz;ksx dk {ks=kf/kdkj
cSafdax xzwi ds izeq[k dk uke] ftlij ;g ݢeodZ ykxw gksrk gS % bafM;u cSad
(I) xq.kkRed izdVhdj.k %
,- lesdu d¢ fy, fopkj fd, x, laLFkkv¨a dh lwph
miØe dk uke @ D;k miØe dks lesdu ds rjhds dks D;k laLFkk dks lesdu ds rjhds dks lesdu ds rjhdksa esa ;fn {ks=kf/kdkjksa dh
iathdj.k ftl ns'k ys[kkdj.k ds lesdu Li"V djsa lesdu ds fofu;ked Li"V djsa varj ds dkj.kksa dks igqap esa ls fdlh ,d
esa fd;k x;k gS ds {ks=kf/kdkj esa {ks=kf/kdkj esa 'kkfey Li"V djsa ds v/khu gh lesdu
'kkfey fd;k x;k gS\ fd;k x;k gS\ fd;k x;k gS rks
¼gk¡@ugha½ ¼gk¡@ugha ½ mlds dkj.kksa dks
Li"V djsa
baMcSad epsZaV gk¡ ys[kkdj.k ekud 21 gk¡ ys[kkdj.k ekud 21 ykxw ugha ykxw ugha
cSafdax lfoZlst fy- & lesfdr foRrh; & lesfdr foRrh;
¼vuq"kaxh½ fooj.k ds vuq:i fooj.k ds vuq:i
lesfdr lesfdr
baMcSad gkmflax gk¡ ys[kkdj.k ekud 21 gk¡ ys[kkdj.k ekud 21 ykxw ugha ykxw ugha
fy- ¼vuq"kaxh½ & lesfdr foRrh; & lesfdr foRrh;
fooj.k ds vuq:i fooj.k ds vuq:i
lesfdr lesfdr
,,lvkjbZlh gk¡ ys[kkdj.k ekud 27 gk¡ ys[kkdj.k ekud ykxw ugha ykxw ugha
¼bafM;k½ fy- & la;qä m|eksa esa 23&lesfdr foRrh;
¼la;qä m|e½ fgrksa dh foÙkh; fooj.k esa ,lksflV~l
fjiksfVZax esa fd, x, fuos'k
gsrq ys[kkadu ds
vuq:i vkuqikfrd
lesdu fofèk ds
vuqlkj lesfdr
;wfuolZy lksEiks gk¡ ys[kkdj.k ekud 27 ugha ykxw ugha ykxw ugha fofu;ked fn'kkfunZs'k
tujy ba';ksjsal & la;qä m|eksa esa
daiuh fy- ¼la;qä fgrksa dh foÙkh;
m|e½ fjiksfVZax
rfeyukMq xzkek gk¡ ys[kkdj.k ekud ugha ykxw ugha ,lksfl,V~l ekuk iw¡th i;kZIrrk ds
cSad ¼,lksfl,V~l½ 23&lesfdr foRrh; x;k gS iz;kstuksa ds fy,
fooj.k esa ,lksfl,V~l tksf[ke Hkkfjr
esa fd, x, fuos'k
gsrq ys[kkadu
bZfDoVh i)fr ds
varxZr lesfdr
lIrfxfj xzkeh.k gk¡ ys[kkdj.k ekud ugha ykxw ugha ,lksfl,V~l ekuk iw¡th i;kZIrrk ds
cSad ¼,lksfl,V~l½ 23&lesfdr foRrh; x;k gS iz;kstuksa ds fy,
fooj.k esa ,lksfl,V~l tksf[ke Hkkfjr
esa fd, x, fuos'k
gsrq ys[kkadu
bZfDoVh i)fr ds
varxZr lesfdr
iqnqoS Hkkjfr;kj gk¡ ys[kkdj.k ekud ugha ykxw ugha ,lksfl,V~l ekuk iw¡th i;kZIrrk ds
xzke cSad 23&lesfdr foRrh; x;k gS iz;kstuksa ds fy,
¼,lksfl,V~l½ fooj.k esa ,lksfl,V~l tksf[ke Hkkfjr
esa fd, x, fuos'k
gsrq ys[kkadu
bZfDoVh i)fr ds
varxZr lesfdr

- 183 -
ch- xzwi laLFkkv¨a dh lwph ftu ij nksuksa ys[kkdj.k vkSj fofu;ked ekud ds {ks=kf/kdj ds v/khu lesdu ds fy, fopkj ugha fd;k x;k gS %

miØe dk uke @ miØe dk eq[; dqy rqyu i= dqy bZfDoVh esa miØe dh iw¡thxr dqy rqyu i= dh vkfLr;ka ¼fof/kd
iathdj.k ftl dk;Zdyki bZfDoVh ¼fof/kd cSad dh /kkfjrk dk fy[krksa esa cSad ds miØe ds ys[kkdj.k rqyu i= esa n'kkZ,
ns'k esa fd;k x;k miØe ds % fuos'kksa dk vuqlkj½
gS ys[kkdj.k rqyu fofu;ked O;ogkj
i= esa n'kkZ,
vuqlkj½

'kwU;

(ii) ek=kRed izdVhdj.k %

lh½ lesdu d¢ fy, fopkj fd, x, laLFkkv¨a dh lwph ¼fefy;u esa½
miØe dk uke @ iathdj.k ftl miØe ds eq[; dk;Zdyki dqy rqyu i= bZfDoVh ¼fof/kd dqy rqyu i= dh vkfLr;ka ¼fof/kd
ns'k esa fd;k x;k gS ¼Åij ¼i½ , esa miØe ds ys[kkdj.k rqyu i= esa miØe ds ys[kkdj.k rqyu i= esa n'kkZ,
fn[kk, vuqlkj½ n'kkZ, vuqlkj½ vuqlkj ½

baMcSad epsZaV cSafdax lfoZlst+ fy-

¼Hkkjr½ epsZaV cSafdax lsok,a 443.78 947.66
baMcSad gkmflax fy- ¼Hkkjr½ vkokl foRr 100.00 102.85
,,lvkjbZlh ¼bafM;k½ fy- ¼Hkkjr½ vkfLr olwyh daiuh 980.00 2519.94
;wfuolZy lksEiks tujy ba';ksjsal
daiuh fy- ¼Hkkjr½ lkekU; chek daiuh 3681.81 51833.99

Mh½- lHkh vuq"kafx;ksa esa iw¡thxr dfe;ksa dh dqy jkf’k] ftUgsa lesdu ds fofu;ked nk;js esa ugha yk;k x;k gS] vFkkZr] ftudh dVkSrh dh xbZ gS %

miØeksa dk uke @ miØe dk eq[; dqy rqyu i= bZfDoVh ¼fof/kd dqy bZfDoVh esa cSad dh /kkfjrk iw¡th dfe;k¡
iathdj.k ftl ns'k esa dk;Zdyki miØe ds ys[kkdj.k rqyu i= dk izfr'kr
fd;k x;k gS esa n'kkZ, vuqlkj½

'kwU;

bZ- chek miØeksa esa cSad ds dqy fgrksa dh lexz jkf'k ¼pkyw cgh ewY;½] tks tksf[ke Hkkfjr gSa %
chek laLFkkv¨a dk uke miØe dk eq[; dqy rqyu i= bZfDoVh ¼fof/kd dqy bZfDoVh esa cSad dh /kkfjrk iw.kZ dVkSrh i)fr dh rqyuk esa tksf[ke
@ iathdj.k ftl ns'k dk;Zdyki miØe ds ys[kkdj.k rqyu i= dk % @ ernku vf/kdkj dk Hkkfjr i)fr ds iz;ksx ls fofu;ked iwath
esa fd;k x;k gS esa n'kkZ, vuqlkj½ vuqikr ij ek=kRed izHkko

'kwU;
,Q- cSafdax lewg ds vanj gh fuf/k ;k fofu;ked iwath ds varj.k ij dksbZ izfrca/k ;k ck/kk,a %
cSafdax lewg ds vanj fuf/k ;k fofu;ked iwath ds varj.k ij dksbZ izfrca/k ;k ck/kk,a ugha gSaA

- 184 -
 lkj.kh Mh,Q & 2 % iw¡th i;kZIrrk

iw¡th i;kZIrrk dk fu/kkZj.k %

¼,½ cSad vizR;kf”kr gkfu;ksa ds fy, iwath j[krh gS rkfd tekdrkZvksa ds fgr] lkekU; _.knkrkvksa rFkk vU; i.;/kkjdksa dks fdlh Hkh vizR;kf”kr gkfu ls cpk;k
tk ldsA
Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kksa ds vuqlkj] cSadksa dks 8-00 izfr”kr ¼ftlesa 2-50 izfr'kr dh iwath laj{k.k cQj 'kkfey gS ½ U;wure lkekU; bZfDoVh
fV;j& 1 ¼lhbZVh 1½ rFkk U;wure 11-50 izfr'kr ¼ftlesa 2-50 izfr'kr dh iwath laj{k.k cQj 'kkfey gS ½ lhvkj,vkj j[kuk gS tks 1 vDVwcj 2021 ls
çHkkoh gSA cSad 12-53 çfr'kr ¼LVSaMvyksu½] 12-84 çfr'kr ¼lesfdr½ lkekU; bZfDoVh fV;j 1 ¼lhbZVh 1½ vkSj 16-53 çfr'kr ¼LVSaMvyksu½] 16-84 çfr'kr
¼lesfdr½ lhvkj,vkj j[k jgk gSA
¼ch½ Hkkjrh; fjt+oZ cSadd ds fn”kkfunsZ”kksa ds vuqlkj cSad us iw¡th i;kZIrrk dk fu/kkZj.k djus gsrq fuEufyf[kr tksf[ke izca/ku n`f"Vdks.k dks viuk;k gSA

Ø _.k tksf[ke % ekuuhÑr n`f"Vdks.k

Ø ckt+kj tksf[ke % ekuuhÑr vof/k n`f"Vdks.k

Ø ifjpkyu tksf[ke % vk/kkjHkwr lwpd n`f"Vdks.k

¼lh½ cSad] O;kikj iz{ksi.kksa] uhfrxr fn'kkfunsZ”kksa] eSØks vFkZ”kkL= ifjn``'; rFkk tksf[ke izksQkby ds vk/kkj ij vxys ik¡p foRrh; o"kkZsa ds fy, iw¡th dk iwokZuqeku
yxkrk gSA
¼Mh½ fiYyj II ds v/khu cSad iw¡th dk ewY;kadu @ ;kstuk cukrs le; fuEufyf[kr tksf[ke ij fopkj djrk gS %

Ø _.k dsUnzhdj.k tskf[ke Ø ncko _.k tksf[ke

Ø cSafdax cgh esa C;kt nj tksf[ke Ø ekudhdj.k n`f"Vdks.k ds v/khu _.k tksf[ke dk de ewY;kadu
Ø rjyrk tksf[ke Ø isa'ku ck/;rk tksf[ke
Ø fuiVku tksf[ke Ø rqyu i= ls ckgj ,Dlikstj tksf[ke
Ø vuqikyu tksf[ke Ø çkS|ksfxdh tksf[ke
Ø lk[k tksf[ke Ø vkmVlksflZax tksf[ke
Ø ekWMy tksf[ke Ø ekuo lalkèku tksf[ke
Ø n¢”k fo”ks‘k tksf[ke Ø vof'k"V tksf[ke
Ø eqvkotk tksf[ke Ø j.kuhfrxr tksf[ke
Ø fofèkd tksf[ke Ø vjf{kr fons'kh eqæk ,Dlikstj tksf[ke
Ø lewg tksf[ke Ø ekSle lacaèkh tksf[ke
Ø vkpj.k tksf[ke Ø lkbcj tksf[ke
Ø çfrHkwfrdj.k dk tksf[ke

¼bZ½ cSad viuh ykHkiznrk rFkk iw¡th i;kZIrrk ij vkfLr xq.koRrk] rjyrk] C;kt nj] MsjhosfVo rFkk QkWjsDl dh rukoxzLr fLFkfr ;k rukoxzLr ifjfLFkfr;ksa esa
fofHkUu tksf[ke {ks=ksa dk ruko ijh{k.k vkof/kd rkSj ij djrk gSA
O;kid ruko ijh{k.k ݢeodZ cukdj j[kk x;k gSA cSad] Hkkjrh; fjt+oZ cSad }kjk fu/kkZfjr fLFkfr;ksa ds vk/kkj ij rFkk cSad dh fofHkUu ifjfLFkfr;ksa ds vk/kkj
ij =Sekfld vof/k ruko ijh{k.k esa djrk gSaA egkekjh ds nkSjku cSad ds rqyu i= ij laHkkfor uqdlku dk vkdyu djus ds fy, cSad us egkekjh ds rgr
Hkh ruko ijh{k.k fd;k gSA mldk ifj.kke _.k tksf[ke izca/ku lfefr ¼lhvkj,elh½@tksf[ke izca/ku lfefr ¼vkj,elh½ @ cksMZ dks izLrqr fd;k tkrk gSA

- 185 -
ek=kRed çdVhdj.k ¼csly III fn'kkfunZs'kksa ds vuqlkj½
¼,½ _.k tksf[ke gsrq iw¡th vko';drk,aa % ¼` fefy;u esa½

fooj.k LVSaMvyksu lesfdr

ekudhd`r n`f"Vdks.k ds v/;/khu lafoHkkx 3,00,199.13 3,00,302.63

izfrHkwfrdj.k ,Dlikstj -- --

ch½ ckt+kj tksf[ke gsrq iw¡th vko';drk,a

ekudhd`r vof/k n`f"Vdks.k % ¼` fefy;u esa½

fooj.k LVSaMvyksu lesfdr

C;kt nj tksf[ke 11,942.07 11,942.07

fons'kh fofue; tksf[ke ¼Lo.kZ lfgr½ 129.38 129.38

bZfDoVh tksf[ke 4,613.51 4,770.35

dqy 16,684.96 16,841.80

¼lh½ ifjpkyuxr tksf[ke gsrq iwathxr vko';drk,a ¼` fefy;u esa½

fooj.k LVSaMvyksu lesfdr

ewy ladsrd n`f"Vdks.k 38,394.16 38,747.88

¼Mh½ lkekU; bZfDoVh fV;j 1 ¼lhbZVh 1½] fV;j 1 rFkk dqy iwath vuqikr csly III fn'kkfunsZ'kksa
ds vuqlkj %
fooj.k LVSaMvyksu lesfdr

lkekU; bZfDoVh fV;j 1 ¼lhbZVh 1½ 12.53% 12.84%

fV;j 1 iwath i;kZIrrk vuqikr 13.17% 13.48%

dqy iw¡th i;kZIrrk vuqikr 16.53% 16.84%

- 186 -
laxBu dh lajpuk %

- 187 -
tksf[ke izca/ku lajpuk %
tksf[ke cSafdax dkjksckj dk ,d vfHkUu vax gS vkSj cSad dk y{; tksf[ke vkSj
çfrykHk ds chp ,d mi;qä le>kSrkdkjh leUo;u çkIr djuk gSA lrr vkSj
fujarj fodkl lqfuf'pr djus ds fy,] cSad us ,d etcwr tksf[ke çcaèku <kapk
fodflr fd;k gSA cSad ifjHkkf"kr tksf[ke mBkus dh lhek vkSj cSad ds cksMZ }kjk
vuqeksfnr uhfr;ksa ds Hkhrj O;kolkf;d xfrfofèk;k¡ djrk gSA cksMZ us ,d
tksf[ke çcaèku lfefr ¼vkj,elh½ Hkh xfBr dh gS tks fofHkUu çdkj ds tksf[keksa
dh ns[kjs[k djrh gSA
cSad us tksf[keksa ds çcaèku ds fy, fofHkUu uhfr;ka cukbZ gSa] tSls ,dh—r tksf[ke
çcaèku uhfr] _.k tksf[ke çcaèku uhfr] vkfLr ns;rk çcaèku uhfr] cktkj
tksf[ke çcaèku uhfr] ifjpkyu tksf[ke çcaèku uhfr] vkarfjd iwath i;kZIrrk
ewY;kadu çfØ;k ¼vkbZlh,,ih½ uhfrA cksMZ }kjk lHkh uhfr;ksa dh U;wure okf"kZd
vkèkkj ij leh{kk dh tkrh gSA
fofHkUu tksf[keksa ij è;ku dsafær djus dh lqfoèkk ds fy, fuEufyf[kr fof'k"V
lfefr;ksa dk xBu fd;k x;k gS%
i) vkfLr ns;rk lfefr ¼vkydks½
ii) _.k tksf[ke izca/ku lfefr ¼lhvkj,elh½
iii) ifjpkyuxr tksf[ke izca/ku lfefr ¼vksvkj,elh½
;s lfefr;ka cksMZ }kjk vuqeksfnr uhfr;ksa vkSj lexz fn'kkfunsZ'kksa ds varxZr dke
djrh gSaA
_.k tksf[ke %
_.k tksf[ke ls rkRi;Z mèkkjdrkZ dh _.k xq.koÙkk esa fxjkoV ls gS tks cSad ds
foÙkh; fu"iknu ij çfrdwy çHkko Mkyrk gSA ØsfMV ysunsu esa cSad }kjk fd,
x, uqdlku cSad dks foÙkh; çfrc)rkvksa dk lEeku djus esa mèkkjdrkZ dh
v{kerk ;k bjknru pwddrkZ ds dkj.k gks ldrs gSaA
cSad us] vU; lqèkkjkRed mik; djus ds vykok] tksf[ke çcaèku ç.kkyh dks
çkjafHkd pj.k esa tksf[keksa dh igpku djus vkSj foosdiw.kZ lhek fuèkkZfjr vkSj
fuxjkuh djds mudk çcaèku djus ds fy, LFkkfir fd;k gSA
lhek ݢeodZ %
_.k tksf[ke rFkk ladh.kZ tksf[ke dh ek=k dks de djus dh n`f"V ls
fuEufyf[kr izdkj ds ,Dlikst+j ds fy, lhek <k¡pk j[kk x;k gS %
Ø ,dy vkSj xzwi _.kdrkZ ,Dlikst+j
Ø laosnu'khy {ks= ,Dlikst+j
Ø vizfrHkwr ,Dlikst+j
Ø ns”k&okj ,Dlikst+j
Ø vkarfjd jsfVax&okj ,Dlikst+j
Ø fe;knh _.k ,Dlikst+j
Ø m|ksx&okj ,Dlikstj
Ø varj cSad ,Dlikst+j
bu ,Dlikst+j lhekvksa dks fu;fer rkSj ij ekfuVj fd;k tkrk gS vkSj cksMZ dh
fofHkUu 'kh"kZLFk Lrjh; lfefr;ksa dks izLrqr fd;k tkrk gSA
_.k leh{kk ݢeodZ %
cSad us _.k leh{kk <kapk viuk;k gS] ftlesa O;fäijd tksf[ke ekinaMksa ds lkFk
tksf[ke dkjdksa dk fo'ys"k.k djus ij ek=kRed tksf[ke Ldksfjax eSfVªDl ds
vkèkkj ij de tksf[ke @ eè;e tksf[ke @ mPp tksf[ke @ uks&xks esa _.k
çLrkoksa dk _.k tksf[ke ewY;kadu vkSj tksf[ke oxÊdj.k 'kkfey gSA tksf[ke
- 188 -
Ldksj vkSj tksf[ke oxÊdj.k ds vkèkkj ij] fofHkUu _.k lfefr;ksa esa tksf[ke
vkèkkfjr @ lwfpr _.k fu.kZ; ysus ds fy, tksf[ke lykg tkjh dh tkrh gSA
jsfVax vkSj Ldksfjax ekWMy% _.k laca/kh fu.kZ;ksa ds leFkZu vkSj _.k lafoHkkx
izca/ku] ewY; fu/kkZj.k o tksf[ke vk/kkfjr iwath ekiu gsrq tksf[ke izca/ku {kerkvksa
dks c<+kus ds fy, lHkh _.k izLrkoksa ij rhoz _.k tksf[ke jsfVax@Ldksfjax
izfØ;k ykxw dh tkrh gSA jsfVax e‚My dh etcwrh lqfuf'pr djus ds fy,]
jsfVax e‚My dks fdlh ckgjh ,tsalh }kjk ekU;rk ds vèkhu fd;k x;k gSA cSad ds
ikl lajfpr _.k mRiknksa vkSj vU; _.kksa ds rgr vkus okys lHkh u, çfrcaèkksa
ds fy, ços'k Lrj ds Ldksfjax e‚My gSa tks jsfVax e‚My ds vèkhu ugha gSaA
_.k leh{kk ra=% _.k dh xq.koRrk lqfuf'pr djus ds fy, lk¶+Vos;j
vk/kkfjr jsfVax ra= ¼esdkfuT+e½ LFkkfir fd;k x;k gSA jsfVax ekWMy ds ifj.kke
dk iz;ksx] fu.kZ; djus] vFkkZr~ _.k lafoHkkx esa eatwjh iznku djus] ewY; fu/kkZj.k
vkSj vuqizorZu esa fd;k tkrk gSA jsfVax ekWMy ds [kjsiu dh tk¡p ds fy, ;g
ckgjh vfHkdj.k }kjk iznRr oS/krk ds v/khu gaSA
vkfLr ns;rk izca/ku%
vkfLr ns;rk izca/ku <kapk] cSad dks vius rqyui= esa rjyrk tksf[ke rFkk C;kt
nj tksf[ke ds eki] ekfuVj vkSj fu;a=.k gsrq lqfo/kk iznku djrk gSA ;g vkfLr
ns;rk izca/ku gsrq mi;qDr j.kuhfr;k¡ miyC/k djokrk gSA vkfLr ns;rk izca/ku
Ý¢eodZ esa fuEufyf[kr izeq[k ?kVd gSa %
Ÿ Rkjyrk tksf[ke izca/ku
Ÿ C;kt nj tksf[ke izca/ku
Ÿ Rkqyui= rFkk csly III rjyrk vquikr
Ÿ Rkuko ijh{k.k rFkk fLFkfr fo”ys"k.k
Ÿ vkdfLedrk fuf/k ;kstuk
uhps lwphc) nks eq[; mn~ns”;ksa dks /;ku esa j[krs gq, cSad us ,,y,e uhfr
fu/kkZfjr dh gS%&
vYikof/k mn~ns';%&
Ÿ cSad ds fuoy C;kt ekftZu ¼,uvkÃ,e½ dks vuqdwyre cukuk
Ÿ i;kZIr pyfuf/k iznku djuk
Ÿ iqu% ewY; fu/kkZj.k tksf[ke dk izca/ku djuk
nh?kkZof/k mn~ns';%
Ÿ ”ks;j/kkjdksa dh laifRr c<+kuk
vkfLr ns;rk izca/ku dk dk;Z vkfLr ns;rk lfefr ¼vkydks½ laHkkyrh gSA ;g
cksMZ vkSj@ ;k ,,y,e rFkk tksf[ke izca/ku ij cksMZ dh mi&lfefr ds
fn'kkkfunsZ'k rFkk i;Zos{k.k ds v/khu dk;Z djrh gSA ;g C;kt nj fLFkfr]
,elh,yvkj Vhch,yvkj] bZch,yvkj ¼jsiks½] vkèkkj nj dh leh{kk] pyfufèk
fLFkfr] tekvksa vkSj vfxzeksa nksuksa ds mRikn Ø;] vkfLr rFkk ns;rkvksa dh
ifjoDrk izksQkbyksa] cSad fuf/k;ksa dh ek¡x] csSad ds udnh izokg rFkk laiw.kZ
rqyui= izca/ku dh leh{kk djus gsrq fu;fer rkSj ij cSBd dk vk;kstu djrh
gSA
pyfufèk tksf[ke nks n``f"Vdks.k ;Fkk ¶yks n``f"Vdks.k rFkk LVkWd n``f"Vdks.k ds
t+fj, ekidj ekfuVj fd;k tkrk gSA ¶yks n``f"Vdks.k esa udn izokg dh
folaxfr;ksa dh laiw.kZ tk¡p gksrh gS rFkk ;g nSuafnu vk/kkj ij lajfpr rjyrk
fooj.kh dh rS;kjh ls dh tkrh gSA fofHkUu le; varjkyksa esa folaxfr;ksa ds fy,
mi;qZDr lgu'kfDr Lrj @izqzMsaf'k;y lhek dk fu/kkZj.k fd;k x;k gSA LVkWd
n``f"Vdks.k ds v/khu mi;qZDr lhekvksa ds lkFk fofHkUu rqyui= vuqikr fu/kkZfjr
fd;s x;s gSaA fu/kkZfjr lhekvksa esa vuqikrksa dk vuqikyu ;g lqfuf'pr djrk gS
fd cSad us fofof/kdj.k ds ek/;e ls viuh rjyrk dk izca/ku fd;k gS tksfd
/kkj.kh; lhekvksa ds varxZr gSA
C;kt nj tksf[ke dks eqnzkokj ekius rFkk ekfuVj djus gsrq ikjaifjd xSi
n``f"Vdks.k rFkk xkS.k n``f"Vdks.k nksuksa dk iz;ksx fd;k tkrk gSA ,uvkbZ,e ij
C;kt nj ifjorZu ds vYi&dkyhu vlj dk vkdyu **tksf[ke ij vtZu**
n``f"Vdks.k ds t+fj, fd;k tkrk gS ftlesa izfrykHk oØ tksf[ke] vk/kkj tksf[ke
rFkk ,acsMsM fodYi tksf[ke dks /;ku esa fy;k tkrk gSA bZfDoVh ds ckt+kj ewY;
ij C;kt nj ifjorZu ds nh?kZ&dkyhu dk vlj vkdyu vof/k xkS.k n``f"Vdks.k
ds tfj, fd;k tkrk gSA vkydks }kjk ekfld C;kt nj laosnu'khyrk fooj.kh
dh laoh{kk dh tkrh gS rFkk vkj,elh }kjk =Sekfld C;kt nj laosnu”khyrk dh
laoh{kk dh tkrh gS A
Hkkjrh; fjt+oZ cSad }kjk ifjHkkf"kr rFkk vkarfjd :i ls ifjHkkf"kr LVªsl ifjn`’;ksa
ds vuqlkj pyfuf/k tksf[ke vkSj C;kt nj tksf[ke ds fy, fu;fer varjkyksa ij
LVªsl ijh{k.k fd;k tkrk gSA vkarfjd pyfuf/k LVªsl ijh{k.k ls izkIr ifj.kkeksa
dk iz;ksx vkdfLedrk vk;kstu fuf/k ;kstuk dk l`tu] fofHkUu pyfuf/k LVªsl
ifjn`’;ksa esa djus ds fy, iz;qDr fd;k tkrk gSA
cSad uohure fofu;ked fn'kkfunZs'kksa ds vuqlkj pyfuf/k dojst vuqikr dk
nSfud vkèkkj ij ifjdyu dj jgk gS rFkk pyfufèk tksf[ke dk vkdyu djus
ds fy, bldk mi;ksx dj jgk gSA ekfld vk/kkj ij vkYkdks }kjk ,ylhvkj
fooj.k dh iqujh{kk dh tkrh gSA blds vykok] vkjchvkbZ ds fn'kk&funZs'kksa ds
vuq:i] cSad frekgh vkèkkj ij ¼vFkkZr fnlacj 2021 dks lekIr frekgh ls½
,u,l,Qvkj dh x.kuk Hkh dj jgk gSA
cktkj tksf[ke izca/ku %&
cktkj esa izfrdwy xfrfof/k;ksa ls gksusokyh gkfu dh laHkkouk] dks cktkj tksf[ke
dgrs gSaA varjkZ"Vªh; fuiVku cSad ¼chvkbZ,l½ dh ifjHkk"kk ds vuqlkj ^^cktkj
tksf[ke og tksf[ke gS tgk¡ bZfDoVh vkSj C;kt njksa ij cktkj] eqnzk fofue; njsa
vkSj i.; ds ewY; esa mrkj&p<+ko ls ^^vkWu^^ ;k ^^vkWQ^^ rqyu i= fLFkfr ds ewY;
ij izfrdwy izHkko iM+ ldrk gSA vr% cktkj tksf[ke] cSad dh dekbZ vkSj iwath
dks gksusokyk tksf[ke gS tksfd C;kt njksa ds cktkj Lrj ;k izfrHkwfr;ksa ds ewY;ksa ]
fons’kh fofue; vkSj bZfDoVh dh dher esa ifjorZu rFkk ,sls ifjorZuksa esa
vfLFkjrk ls gks ldrk gSA cktkj tksf[ke izca/ku dk mn~ns”;] O;kikfjd
bdkb;ksa dks tksf[ke ,Dlikst+j] ,oa rqyuh; csapekdZ dh rqyuk esa cktkj
tksf[ke ,Dlikstj] lafoHkkx fu"iknu ds laca/k esa fo”ysf"kdh ls pkfyr
fufof"V;ka iznku djrs gq, tksf[ke&lek;ksftr izfrQy dh njksa dks vf/kd ls
vf/kd cukus esa lgk;rk nsuk gksrk gSA cktkj tkf[ke ds vUrxZr fuEufyf[kr
tksf[keksa dk izca/ku fd;k tkrk gS%&
Ÿ C;kt nj tksf[ke
Ÿ fofue; nj tksf[ke
Ÿ bZfDoVh dher tksf[ke
ckt+kj tksf[ke] oLrq dh dher rFkk mrkj&p<+ko esa gksusokys ifjorZuksa ds dkj.k
gks ldrh gSA rFkkfi] cSad dks i.; lacaf/kr ckt+kj esa dksbZ ,Dlikst+j ugha gSA
cSad dk cktkj tksf[ke izca/ku ¼,evkj,e½ Ý¢eodZ fuEukuqlkj gS%&
,½ tksf[ke dh igpku % cktkj tksf[ke dk irk yxkus] ewY;kadu ,oa çcaèku
djus ds fy, ,d ra= cuk;k x;k gS rkfd çR;sd dkjksckj fØ;kdyki esa
tksf[ke igpku o ekU;rk ds fofHkUu igyqvksa ij Li"Vrk fey ldsA
ch½ tksf[ke ekiu vkSj ifjlhek,a % cSad bl ckr dks Li"Vr;k ekurk gS fd
cktkj tksf[ke ds lHkh igyqvksa dks dksbZ ,d tksf[ke & lkaf[;dh izfrfcafcr ugha
dj ldrhA vr% cktkj tksf[ke esa tksf[ke ekiu dh lqn`<rk dks csgrj cukus
ds fy, fofHkUu lkaf[;dh; ,oa xSj&lkaf[;dh; tksf[ke mik;ksa dk iz;ksx fd;k
tkrk gS A D;ksafd budk voyksdu ,d lkFk djus ij tksf[ke ds ;s dne]
- 189 -
fdlh ,dy dne dh rqyuk esa cktkj tksf[ke ,Dlikstj dh lE;d n`f"V iznku
djrk gSA cktkj tksf[ke dk izca/ku] fofHkUu ekius ds lk/kuksa] ;Fkk] tksf[ke ij
jgs ewY; ¼oh,vkj½] tksf[ke ij jgs vtZu ¼bZ,vkj½] vk”kksf/kr vof/k ¼,eMh½]
ihoh 01 lhek,a] fuoy vksojukbV [kqyh fLFkfr lhek,a ¼,uvksvksih,y½]
oS;fDrd xSi lhek ¼vkbZth,y½ rFkk ladfyr xSi lhek ¼,th,y½ ds tfj,
eqnzk&okj vkSj lw{exzfgrk fo”ys"k.k ds tfj;s Hkh fd;k tkrk gSA vfrrhoz] ijUrq
eqefdu vk?kkrksa dh ifjfLFkfr;ksa esa cSad dh vlqj{kk dh fLFkfr dks ekfuVj djus
ds fy, fu;fer vk/kkj ij ruko ijh{k.k Hkh fd;k tkrk gSA
lh½ tksf[ke ekfuVfjax % VªsfMax cgh ds fy, fofHkUu vkarfjd vkSj fofu;ked
tksf[ke lhekvksa ds iz;ksx ls] tksfd vkfFkZd ifjn`”;] O;kikj j.kuhfr] izca/ku dk
vuqHko vkSj cSad dh tksf[ke xzkg~;rk ij vk/kkfjr gSa] cSad vius tksf[ke dks
ekfuVj ,oa fu;af=r djrk gSA ;g lqfuf”pr djus ds fy, fd jsV LdSu] ysunsu
ekStwnk cktkj njksa ij fd;k tk jgk gSA
Mh½ tksf[ke fjiksfVZax % feM&vkWfQl }kjk nSuafnu rkSj ij Vªst+jh ifjpkyuksa
dk ekuhVj fd;k tkrk gSA eq[; tksf[ke vf/kdkjh dks nSuafnu fjiksVZ o
lkIrkfgd lkj uksV vkSj vkYdks dks ekfld vk/kkj ij fjiksVZ izLrqr dh tkrh gSA
ruko ijh{k.k uhfr esa fu/kkZfjr /kkj.kkvksa dk vuqikyu djrs gq, cktkj tksf[ke
ds fu/kkZj.k ds fy, ruko ijh{k.k fd;k tkrk gS vkSj frekgh vk/kkj ij vkydks
dks fjiksVZ izLrqr dh tkrh gSA
cksMZ }kjk vuqeksfnr O;kid cktkj tksf[ke izca/ku uhfr vkSj ruko ijh{k.k uhfr
}kjk cktkj tksf[ke izca/ku vuq”kkflr gS rkfd ;g lqfuf’pr fd;k tk lds fd
cktkj tksf[ke ls ;qDr fofHkUu dk;Zdykiksa esa QSyk gqvk tksf[ke] cSad dh
tksf[ke xzkg~;rk ds vUnj gh gSA m|ksx esa O;kIr mRre O;ogkj vkSj Hkkjrh;
fjt+oZ cSad ds fofu;euksa ls lkjh uhfr;ka csapekdZ dh xbZ gSaA cSad ds tksf[ke
fjiksfVZax ra= esa izdVhdj.k vkSj fofHkUu 'kh"kZ Lrj lfefr;ksa dks fjiksVZ djuk
”kkfey gSA
ifjpkyuxr tksf[ke%&
ifjpkyu tksf[ke ¼vksvkj½ vi;kZIr ;k foQy vkarfjd çfØ;kvksa] yksxksa ;k
ç.kkfy;ksa] ;k ckgjh ?kVukvksa ls gksus okys uqdlku dk tksf[ke gSA izHkkoksRiknd
vfHk”kklu] tksf[ke dSIpj vkSj ewY;kadu vkSj ifjpkyuxr tksf[ke ds ek=kRed
fu/kkZj.k dks lqfuf”pr djus ds fy, cSad us ifjpkyuxr tksf[ke izca/ku <k¡pk
¼vksvkj,e,Q½ vkSj ifjpkyuxr tksf[ke izca/ku ra= ¼vksvkj,e,l½ cuk;k gSA
nSuafnu dh izcU/ku izfØ;kvksa esa mi;qDr xq.kkRed ,oa ek=kRed iz.kkfy;ksa vkSj
fofHkUu tksf[ke ”keu uhfr;ksa rFkk lqLFkkfir vkarfjd fu;a=.k ra=ksa dk iz;ksx
djrs gq, vkSj fofHkUu tksf[ke ”keu uhfr;ksa dks viukrs gq, ifjpkyuxr
tksf[ke dk izca/ku lqxe :i ls fd;k tkrk gSA fofHkUu mRiknksa@izfØ;kvksa esa
tksf[ke cks/k dk leh{kkRed fo”ys"k.k fd;k tkrk gS vkSj ;Fkko”;d lq/kkjkRed
dne mBk, tkrs gSaA
cSad us vius ifjpkyuxr tksf[ke dks dSIpj djus] ekius] ekWuhVj djus vkSj
O;ofLFkr djus ds fy, osc&vk/kkfjr ifjpkyuxr tksf[ke izca/ku iz.kkyh
dk;kZfUor dh gSA cSad us tksf[ke fu;a=.k Lo&ewY;kadu ¼vkjlh,l,½ vkSj çeq[k
tksf[ke ladsrd ¼dsvkjvkbZ½ ds fy, :ijs[kk rS;kj dh gSA tksf[ke vkSj fu;a=.k
Lo&ewY;kadu dk mi;ksx çeq[k ifjpkyu tksf[ke dh igpku djus vkSj
vkarfjd fu;a=.kksa dh çHkko'khyrk dh fMxzh dk vkdyu djus ds fy, fd;k
tkrk gSA
cSad ifjpkyu tksf[ke ds çcaèku ds fy, dojst {ks= dh leh{kk vkSj lqèkkj djds
vkjlh,l, vkSj dsvkjvkbZ dks etcwr djus ds fy, dne mBk jgk gSA
 lkj.kh Mh,Q &3
_.k tksf[ke % lHkh cSadksa gsrq lkekU; izdVhdj.k
xq.koRrk izdVhdj.k %
¼,½ _.k tksf[ke izca/ku %
_.k tksf[ke dks ;ksa ifjHkkf"kr fd;k x;k gS fd _.kdrkZvksa ;k izfri{kdkjksa dh
_.k xq.krk esa deh ds dkj.k gksusokyh gkfu dh laHkkO;rkA
laajpuk %
fofHkUu fn'kkfunsZ'kksa rFkk izeq[k m|ksx izFkkvksa ds vuqikyu esa] cSad us _.k
tksf[ke izca/ku ds fy, ,d lqO;oLFkr vfHk'kklu lajpuk cukbZ gS rkfd Ik;kZIr
fujh{k.k] ekWfuVfjax vkSj fjiksfVaZx gks ldsA cSad us tksf[ke izca/ku iz.kkyh ij
Hkkjrh; fjt+oZ cSadd ds fn'kkfunsZ'k uksV ds vuqlkj cksMZ Lrjh; mi&lfefr dh
LFkkiuk dh gS ftls **tksf[ke izca/ku lfefr ¼vkj,elh½** dgk tkrk gSA
tksf[ke izca/ku lfefr ¼vkj,elh½ %
vkj,elh] cSad }kjk lkeuk fd;s tkusokys laiw.kZ tksf[ke dk ewY;kadu djrh gS
rFkk ;g tksf[ke dks igpkuus] ekius rFkk fu;af=r dj tksf[ke dks de djus esa
lgk;d izHkkoh iz.kkyh dh LFkkiuk ds fy, ftEesokj gSA
cksMZ us _.k tksf[ke ds laca/k esa ftEesnkjh ysus ds fy, vkj,elh dks vf/kdkj
izR;k;ksftr fd;k gSA lfefr] _.k tksf[ke izca/ku dk i;Zos{k.k djrh gS rFkk ;g
lqfuf'pr djrh gS fd cSad }kjk lkeuk fd;s tkusokys izeq[k _.k tksf[ke dks
mfpr :i ls igpkuk tkrk gS rFkk mldk mfpr :Ik ls izca/ku gksA lfefr]
laiw.kZ tksf[ke ogu {kerk rFkk _.k tksf[ke izca/ku j.kuhfr dk vuqeksnu djrh
gS ,oa bldh vkof/kd leh{kk djrh gSA lfefr] tksf[ke izca/ku uhfr;ksa] Hkkjrh;
fjt+oZ cSad }kjk fu/kkZfjr tksf[ke izca/ku fn”kkfunsZ'kksa ls lacaf/kr cSad ds vuqikyu
dh leh{kk djrh gSA
tksf[ke lfefr] _.k tksf[ke izksQkby rFkk vU; izeq[k fodkl ;Fkk vkarfjd
rFkk ckg+; vkSj lafoHkkx rFkk cSad ij lexz :i muds vlj dh leh{kk djrh
gSA
_.k tksf[ke izca/ku lfefr ¼lhvkj,elh½
vkj,elh] _.k uhfr rFkk izfØ;kvksa ds laca/k esa eqn~nksa rFkk cSadO;kih vk/kkj ij
_.k tksf[ke dk fo'ys"k.k] izca/ku rFkk fu;a=.k djrh gSA
_.k leh{kk izca/ku lfefr ¼,yvkj,elh½
_.k tksf[ke izca/ku izfØz;k ds :Ik esa] dkWiksZjsV dk;kZy; esa _.k leh{kk izca/ku
lfefr ¼,yvkj,elh½ dk xBu fd;k x;k gS rkfd fofHkUu lfefr;ksa }kjk eatwj
fd;s x;s _.k [kkrksa dh leh{kk dh tk ldsaA
vfrns; rFkk {kfrxzLr dh ifjHkk"kk ¼ys[kkadu iz;ksx gsrq½
cSad us vk; igpku rFkk vkfLr oxhZdj.k ekunaMksa gsrq vkjchvkbZ }kjk ifjHkkf"kr
fd;s vuqlkj vfrns; rFkk {kfrxzLr ds fy, ifjHkk"kkvksa dks viuk;k gSA blds
vykok] vkjchvkbZ ds fn'kk&funZs'kksa ds vuq:i] vfèkLFkxu vofèk] tgka Hkh nh
xbZ gS] vkfLr oxÊdj.k gsrq 'kkfey dh xbZ gSA
cSad dh _.k vkfLr;ksa dks oxhZÑr djus ds fy, cSad dh uhfr fuEuizdkj gS %
xSj&fu"ikfnr vkfLr ¼,uih,½ % xSj&fu"ikfnr vkfLr ¼,uih,½] ,d _.k ;k
vfxze gS tgk¡
Ø fe;knh _.k ds lanHkZ esa ewy/ku ij C;kt vkSj @;k fdLr 90 fnu ls
vf/kd le; rd cdk;k jgrk gS]
- 190 -
Ø tc [kkrk **vksoj Mªk¶+V @ udn _.k ¼vksMh @ lhlh½ ds laca/k esa
**fu;fer ugha gS**
Ø tc fcy] Ø; fd;s x;s fcy rFkk Hkquk;s x;s fcy ds ekeys esa 90 fnu ls
vf/kd le; ds fy, vfrns; gS
Ø ewy/ku ;k C;kt dh fdLr vYi vof/k Qlyksa ds fy, nks Qly ekSle ds
fy, vfrns; jgrh gS
Ø ewy/ku ;k C;kt dh fdLr nh?kZdkfyu Qlyksa ds fy, ,d Qly ekSle ds
fy, vfrns; jgrk gS
,d vksMh @ lhlh [kkrs dks rc **vfu;fer** ekuk tkrk gS tc vfrns; jkf'k
eatwjhÑr lhek @ vkgfjr lhek ls 90 fnu ls vf/kd le; ds fy, yxkrkj
vkf/kD; jgrk gSA tc ewy ifjpkyu [kkrs esa vfrns; jkf'k eatwjhÑr lhek @
vkgfjr lhek ls de gS] ijarq rqyu i= dh rkjh[k ij yxkrkj 90 fnuksa ds
nkSjku dksbZ tek ugha gS ;k mlh vof/k esa ukes Mkys x;s C;kt dks doj djus ds
fy, tek i;kZIr igha gS rks bu [kkrksa dks **vfu;fer** ekus tk,¡xsA
cSad dh xSj&fu"ikfnr vkfLr;ksa dks vkxs rhu oxkZsa esa oxhZÑr fd;k x;k gS %
Ø voekud vkfLr;k¡ %
voekud vkfLr og gS tksfd 12 eghus dh leku vof/k ;k mlls de
vof/k ds fy, ,uih, ds :Ik esa jgh gksA
Ø lafnX/k vkfLr;k¡
vkfLr dks lafnX/k vkfLr ds :i esa oxhZÑr rc fd;k tk,xk tc vkfLr 12
eghuksa ds fy, voeukd oxZ esa jgrh gSA
Ø ÄkVs dh vkfLr;ka
gkfudkj vkfLr og gS tc cSad }kjk ;k vkarfjd ;k ckg+; ys[kkdkjksa ;k
Hkkjrh; fjt+oZ cSad ds fujh{k.k ds le; ij gkfu dks igpkuk tkrk gSA
_.k tksf[ke izca/ku uhfr %
cSad us _.k tksf[ke izca/ku uhfr ¼_.k uhfr dk Hkkx½ cuk;h gS vkSj bls cSad
ds baVªkusV ij iksVZ fd;k x;k gSA uhfr dk eq[; mn~ns'; ;g lqfuf'pr djuk gS
fd ifjpkyu izca/ku dh izR;k'kk ds vuq:i gSa rFkk mPp izca/ku dh j.kuhfr;ksa
dks ifjpkyu Lrj ij lkFkZd funs'kksa ds :i esa igq¡pk;k x;k gSA ;g uhfr
c`gr _.k ,Dlikst+j] _.k laikf'oZd gsrq ekud] iksVZQksfy;ks izca/ku] _.k
leh{kk ra=] tksf[ke ldsanzhdj.k] tksf[ke fuxjkuh rFkk ewY;kadu] izko/kkuhdj.k
rFkk fofu;ked@fof/kd vuqikyu ij foosdiw.kZ lhekvksa dks fu/kkZfjr djrh gSA
cSad mu tksf[keksa dh igpku djrk gS tks mudks izHkkfor djrs gSa rFkk bu
tksf[keksa ds eki] fuxjkuh rFkk fu;a=.k ds fy, mfpr rduhdh dk iz;ksx djrk
gSA
tcfd cksMZ @ cksMZ dh tksf[ke izca/ku lfefr uhfr rS;kj djrh gS rFkk fofHkUu
_.k tksf[keksa dks fu/kkZfjr djrh gS] _.k tksf[ke izca/ku lfefr
cksMZ@vkj,elh }kjk vuqeksfnr bu uhfr;ksa ,oa j.kuhfr;ksa dks dk;kZfUor djrh
gS] lfefr _.k tksf[ke dh fuxjkuh cSad O;kid vk/kkj ij djrh gS rFkk tksf[ke
lhekvksa dk vuqikyu lqfuf'pr djrh gSA
cSad fdlh Hkh m/kkjdrkZ ls lacaf/kr _.k tksf[ke dk eki djus ds fy, m/kkj
[kkrs dh jsfVax dks ,d egRoiw.kZ midj.k ekurk gS vkSj rnuqlkj lk¶Vos;j
pkfyr jsfVax@Ldksfjax ekWMy dk;kZfUor fd, x, gSA
¼ch½ dqy ldy _.k tksf[ke] fuf/k vk/kkfjr ,oa xSj&fuf/k vk/kkfjr vyx vyx ls % ¼` fefy;u esa ½
fooj.k LVSaMvyksu lesfdr
ldy _.k tksf[ke ,Dlikst+j
fuf/k vk/kkfjr
_.k ,oa vfxze 41,56,247.54 41,56,247.54

fuos'k 13,71,114.32 13,71,126.56

vU; vkfLr;ka 10,79,234.04 10,80,019.88

dqy fuf/k vk/kkfjr 66,06,595.89 66,07,393.97

xSj fuf/k vk/kkfjr ftlesa vkdfLed ØsfMV] lafonk,a rFkk O;qRiUu 'kfkey gSa* 45,88,185.79 45,88,433.09

dqy _.k tksf[ke ,Dlikst+j 1,11,94,781.69 1,11,95,827.07

* blesa O;qRiUu ,Dlikst+j dh vuqekfur ewy jkf'k] xSj ykfHkr fuf/k lhek] ,ylh] Lohd`fr;ka] xkjaVh 'kkfey gSA

¼lh½ fuf/k vk/kkfjr ,oa xSj&fuf/k vk/kkfjr ¼LVSaMvyksu½ _.k tksf[ke ,Dlikst+j] dk i`Fkd HkkSxksfyd forj.k % ¼` fefy;u esa ½
HkkSxksfyd {ks= fuf/k vk/kkfjr vkdfLed _.k] lafonk,a rFkk O;qRiUu dqy
lfgr xSj&fuf/k vk/kkfjr
vksojlht+ 2,08,394.67 53,894.39 2,62,289.06

ns”kh 63,98,201.23 45,34,291.40 1,09,32,492.63

dqy 66,06,595.90 45,88,185.79 1,11,94,781.69

- 191 -
¼Mh½ 31 03 2022 rd ,Dlikst+j dk m|ksxokj forj.k ¼LVSaMvyksu½
¼` fefy;u esa ½
cdk;k
 -सं çeq[k m|ksx@{ks= oSfÜod izfrc)
fuf/k vk/kkfjr 'ks"k fuf/k vk/kkfjr 'ks"k ,Dlikst+j
1 jlk;u ,oa jlk;u mRikn
1-1 vkS"kf/k ,oa vkS"k/kh; 10712.37 3227.75 13940.13
1-2 moZjd 11861.55 668.84 12530.39
1-3 vU; jlk;u ,oa jlk;u mRikn 17979.19 4580.97 22560.16
2 bathfu;fjax
2-1 lkekU; bathfu;fjax e'khujh vkSj eky 43721.32 57390.49 101111.81
2-2 bysfDVªdy e'khujh vkSj eky 10912.54 11519.89 22432.43
2-3 bysDVª‚fud e'khujh] eky vkSj l‚¶Vos;j 15308.89 8760.09 24068.98
3 [kkn~; inkFkZ fuekZ.k ,oa lalkèku
3-1 [kkn~; rsy ,oa ouLifr 9154.03 19440.54 28594.57
3-2 jkbl feYl] vkVk feYl vkSj nky feYl 29339.23 4457.59 33796.82
3-3 phuh 16999.94 81.61 17081.55
3-4 pk; ,oa dkQh 4115.07 19.93 4135.01
3-5 vU; [kkn~; inkFkZ fuekZ.k ,oa lalkèku 61226.69 14834.99 76061.68
4 vk/kkfjd lajpuk
4-1 fctyh
4-1-1 fo|qr mRiknu 156848.02 31623.37 188471.39
4-1-2 fo|qr çlkj.k ,oa forj.k 93359.20 7082.18 100441.38
4-1-3 uohdj.kh; ÅtkZ 3569.40 2011.78 5581.18
4-2 ifjogu
4-2-1 iksVZ ,oa lMd 112698.77 5805.05 118503.82
4-2-2 f'kfiax 10047.64 14320.28 24367.92
4-2-3 ykftLVhDl 15618.13 5067.37 20685.50
4-3 nwjlapkj 4749.03 54191.03 58940.06
4-4 'kSf{kd laLFkk 44405.48 3567.41 47972.89
4-5 vLirky 23909.92 2203.59 26113.51
4-6 gksVy ¼rhu LVkj ,oa mlls vfèkd½ 12535.17 335.04 12870.21
4-7 vU; vk/kkfjd lajpuk 298332.61 7787.52 306120.13
5 oL=
5-1 lwrh oL= 35805.26 3742.61 39547.87
5-2 çk—frd Qkbcj oL= 1849.63 10.00 1859.63
5-3 gFkdj?kk oL= vkSj [kknh 4220.33 93.79 4314.12
5-4 vU; oL= 61814.27 8248.55 70062.82
6 ,uch,Qlh @ ,p,Qlh @,e,QvkbZ
6-1 xSj cSafdax foÙkh; daifu;ka ¼,uch,Qlh½ 337823.08 574.62 338397.69
6-2 lw{e foÙk laLFkku ¼,e,Q+vkbZ½ 31836.93 0.00 31836.93
6-3 gkmflax Qkbusal daifu;ka ¼,p,Qlh½ 243538.02 0.00 243538.02
7 èkkrq vkSj èkkrq mRikn
7-1 yksgk vkSj bLikr 98019.66 42840.55 140860.21
7-2 vU; èkkrq vkSj èkkrq mRikn 27400.55 12659.37 40059.92

- 192 -
 ¼` fefy;u esa½
cdk;k
 -सं çeq[k m|ksx@{ks= oSfÜod izfrc)
fuf/k vk/kkfjr 'ks"k fuf/k vk/kkfjr 'ks"k ,Dlikst+j
8 O;kikj
8-1 Fkksd O;kikj 317195.23 21260.37 338455.60
8-2 [kqnjk O;kikj 178522.38 7365.56 185887.94
9 v‚Vkseksckby 22398.80 3688.07 26086.87
10 foekuu 0.00 1630.99 1630.99
11 is; inkFkZ ,oa rEckdw 8162.96 158.57 8321.53
12 lhesaV vkSj lhesaV mRikn 24233.46 7943.46 32176.92
13 dSfiVy ekdZsV ,Dlikstj ¼lh,ebZ½ 24066.23 2515.00 26581.23
14 okf.kfT;d fj;y ,LVsV ¼lhvkjbZ½ 82746.95 770.08 83517.03
15 daLVªD'ku dkUVªkDVlZ 107211.56 135062.78 242274.35
16 jRu vkSj tsoj 6277.69 725.22 7002.91
17 Xykl vkSj Xykl os;j 894.57 2948.38 3842.95
18 peM+k vkSj peM+k mRikn 3454.39 864.25 4318.64
19 ehfM;k vkSj euksjatu 4775.10 4238.17 9013.27
20 [kuu vkSj mR[kuu 25786.39 5015.03 30801.42
21 dkxt vkSj dkxt mRikn 17790.06 2633.13 20423.19
22 isVªksfy;e vkSj isVªksfy;e mRikn 141191.35 51162.01 192353.36
23 eqæ.k vkSj çdk'ku 7227.31 1601.67 8828.99
24 jcj] IykfLVd vkSj muds mRikn 30910.29 13324.45 44234.74
25 ydM+h vkSj ydM+h ds mRikn 6707.92 1844.38 8552.29
26 vU; m|ksx 295174.39 12176.64 307351.03

31 ekpZ 2022 dks fuEufyf[kr m|ksxksa esas cSad dk ,Dlikst+j ds dqy ldy _.k ,Dlikst+j ds 5 izfr'kr ls vf/kd FkkA
Ø-la mn~;ksx dk oxhZdj.k dqy ldy _.k ,DLikstj dk izfr'kr
1 vk/kkfjd lajpuk 15.66%
2 ,uch,Qlh @ ,p,Qlh @,e,QvkbZ 10.56%

¼bZ½ vfxzeksa ,oa fuos'kksa ds vof'k"V lafonkxr ifjiDork ds vyx vyx vkadMs+ ¼` fefy;u esa½
fuos'k * vfxze
1 fnu 263980.60 46422.02
2&7 fnu 135030.40 50757.12
8&14 fnu 102081.60 61692.17
15&30 fnu 113825.20 86845.13
31 fnu &2 ekg 27436.70 168897.09
2 ekg ls vf/kd 3 ekg rd 24730.20 145246.65
3 ekg ls vf/kd 6 ekg rd 57399.90 218514.54
6 ekg ls vf/kd 1 o"kZ rd 83256.70 398968.59
1 o"kZ ls vf/kd 3 o"kZ rd 163086.10 1491501.75
3 o"kZ ls vf/kd 5 o"kZ rd 109045.00 631297.60
5 o"kZ ls vf/kd 661334.49 591717.97
dqy 1741206.89 3891860.63

* blesa # 4378-98 fefy;u dh lwphc) bfDofV;ksa dk 50 izfr'kr 'kkfey ugha gS

- 193 -
 ¼` fefy;u esa½
¼,Q½ ,uih, dh jkf'k ¼ldy½ & ¼ LVSaMvyksu½
Ø voekud 52028.80
Ø lafnX/k 1 74242.58
Ø lafnX/k 2 107713.51
Ø lafnX/k 3 68674.36
Ø gkfu 49483.30
ldy ,uih, ¼LVSaMvyksu½ 352142.54
¼th½ fuoy ,uih, 88486.48
¼,p½ ,uih, vuqikr
Ø ldy vfxze ds izfr ldy ,uih, 8.47%
Ø fuoy vfxze ds izfr fuoy ,uih, 2.27%
¼vkbZ½ ,uih, dk vkokxeu ¼ldy½
Ø izkjafHkd 'ks"k ¼01-04-2021½ 384553.46
Ø tksM 101646.68
Ø ?kVko 134057.60
Ø var'ks"k ¼31-03-2022½ 352142.54
¼ts½ ,uih, ds izko/kku dk vkokxeu
Ø izkjafHkd 'ks"k ¼01-04-2021½ 258933.60
Ø o"kZ ds nkSjku fd, x, izko/kku 20303.06
Ø cV~Vs[kkrs Mkyh xbZ jkf'k vf/kd izko/kkuksa dk izfrys[k 21772.35
Ø var'ks"k ¼31-03-2022½ 257464.31
¼dss½ xSj fu"iknd fuos'kksa dh jkf'k 18820.17
¼,y½ xSj fu"iknd fuos'k gsrq /kkfjr izko/kku jkf'k 8096.94
¼,e½ fuos'kksa ij ewY;gzkl gsrq izko/kkuksa dk vkokxeu
Ø izkjafHkd 'ks"k ¼01-04-2021½ 26401.30
Ø o"kZ ds nkSjku fd, x, izko/kku 4853.88
Ø cV~Vs[kkrs Mkyh xbZ jkf'k 0.00
Ø vfrfjDr izko/kkuksa dk izfrys[ku 2786.67
Ø var'ks"k ¼31-03-2022½ 28468.51

Lkh/ks vk; fooj.k esa izfo"V cV~Vkd`r jkf'k;k¡ vkSj olwfy;k¡% ¼` fefy;u esa½
mxkgh ds v/khu jgs [kkrksa esa olwfy;ka 16106.28
C;kt Kkiu fof/kd izHkkj @ cV~VkÑr [kkrksa esa olwfy;ka 4549.02

izeq[k mn~;ksx ds izdkj&okj ,uih, jkf'k ¼` fefy;u esa½

mn~;ksx ldy ,uih, izko/kku fuoy ,uih,
ewy /kkrq rFkk /kkrq mRikn 16864.77 12212.39 4652.38

fctyh dks lfEefyr dj ewyHkwr lajpuk 42464.05 32519.07 9944.98

oLrz 15909.52 10917.53 4991.99

lHkh bathfu;fjax 9439.43 7345.34 2094.09

isVªksfy;e vkSj vU; [kfut 609.10 333.72 275.38

31-03-2022 dks lekIr frekgh ds nkSjku rduhdh :i ls cV~Vs [kkrs Mkyh xbZ jkf'k & LVSaMvyksu % #i, 16934-17 fefy;u

- 194 -
 HkkSxksfyd QSyko&okj ,uih, ¼` fefy;u esa½
ns'kh fons'kh oSf’od
,uih, dh jkf”k ¼ldy½
Ø vo&ekud 50262.90 1765.90 52028.80

Ø lafnX/k 1 71760.37 2482.21 74242.57

Ø lafnX/k 2 107678.20 35.31 107713.51

Ø lafnX/k 3 68521.50 152.86 68674.36

Ø gkfu 49412.30 71.00 49483.30

dqy 347635.27 4507.28 352142.54

fiNys ns; _.kksa dh ifjiDork dk fo’ys"k.k ¼` fefy;u esa½

fooj.k Lkdy ,uih,
1 o"kZ ls de ¼voekud½ 52028.80

1 ls 2 o"kZ ¼Mh 1½ 74242.58

2 ls 3 o"kZ ¼Mh 2 izFke o"kZ ½ 51558.90

3 ls 4 o"kZ ¼Mh 2 nwljs o"kZ ½ 56154.61

4 o"kZ ls vf/kd 118157.66

lkj.kh Mh,Q &4

_.k tksf[ke % ekudhd`r n`f"Vdks.k ds v/;/khu lafoHkkxksa gsrq izdVhdj.k
xq.koRrk izdVhdj.k%
¼,½ csly III <kaps ds vuqlkj vgZ ,Dlikst+jksa ds fy, cSad Hkkjrh; fjt+oZ cSad }kjk vuqeksfnr lkr nj fu/kkZj.k vfHkdj.kksa ;Fkk ,½ fØfly ch½ bØk lh½ ds;j vkSj Mh½
bafM;k jsfVaXl bZ½ fczdod~lZ ,Q½ ,D;wV ,oa th½ bUQksesfjDl }kjk fufnZ"V jsfVax dk iz;ksx djrk gSA vksojlht+ _.k ,Dlikst+j ds fy,] cSad LVS.MMZ ,.M iqvj] fQp &
ewMht+ dh jsfVax dks Lohdkj djrk gSA
lHkh ik= ,Dlikst+j] rqyu i= vkSj rqyu i= ls ckgj nksuksa gh] pkgs og vYikofèk gks ;k nh?kkZofèk] ds fy, cSad mijksä vuqeksfnr ØsfMV jsfVax ,tsafl;ksa }kjk fufnZ"V
dsoy lkoZtfud :i ls miyCèk vuqjksfèkr jsfVax dk mi;ksx djrk gS] tSlk fd csly III iwath fofu;eksa ij vkjchvkbZ ds fn'kkfunZs'kksa esa vuqer gSA
cSad ds lafoHkkx esa vkusokyh vkfLr;ksa] ftudh lafonkxr ifjiDork ,d o"kZ ls de gS] dks p;fur _.k jsfVax vfHkdj.kksa }kjk nh xbZ y?kq dkyhu jsfVax izklafxd ekuh
tkrh gSA cSad ds lafoHkkx esa vkusokyh vkfLr;ksa] ftudh lafonkxr ifjiDork ,d o"kZ ls vf/kd gS] dks p;fur _.k jsfVax vfHkdj.kksa }kjk nh xbZ nh?kZdkyhu jsfVax
izklafxd ekuh tkrh gSA
p;fur ns'kh _.k vfHkdj.kksa }kjk tkjh nh?kZ dkyhu@vYi dkyhu jsfVax csly III iw¡th fofu;euksa ds v/khu ekudhÑr n`f"Vdks.k ds vuqlkj iz;ksT; mfpr tksf[ke
Hkkfjrk ds lkFk eSi dh xbZ gSA
cgqy jsfVax ewY;kadu dk iz;ksx%

Ø vxj p;fur _.k jsfVax vfHkdj.kksa }kjk nks jsfVax miyC/k dh tkrh gSa ftlls fofHkUu tksf[ke Hkkj dk eSfiax gksrk gS rks mPp tksf[ke Hkkj dks fy;k tkrk gSA

Ø vxj p;fur _.k jsfVax vfHkdj.kksa }kjk fofHkUu tksf[ke Hkkfjrk ds lkFk rhu ;k vf/kd jsfVax nh tkrh gSa rks nks fuEu tksf[ke Hkkj ds laca/k esa jsfVax dks lanfHkZr
djuk pkfg, rFkk buesa ls vf/kd okys nks tksf[ke Hkkj dks ykxw fd;k tkuk pkfg, ;Fkk nwljk fuEure tksf[ke HkkjA

- 195 -
ek=kRed izdVhdj.k%
ch½ ekudhd`r n`f"Vdks.k ds rgr _.k tksf[ke fuokj.k ds ckn foHkkftr dqy _.k tksf[ke ,Dlikst+j ¼LVSaMvyksu½ fuEukuqlkj gS %
¼` fefy;u esa½
LVSaMvyksu cgh ewY; tksf[ke Hkkfjr dher@ewY;
100% ls de tksf[ke Hkkj 93,84,130.62 11,08,282.89
100% tksf[ke Hkkj 7,42,627.48 5,48,685.60
100% ls vf/kd tksf[ke Hkkj 10,68,023.59 9,53,458.74
dqy 1,11,94,781.69 26,10,427.23

ekudhd`r vfHkxe ds rgr _.k tksf[ke fuokj.k ds ckn foHkkftr dqy _.k tksf[ke ,DLikslj¼lesfdr½ fuEukuqlkj gS % ¼` fefy;u esa½
Lesfdr cgh ewY; tksf[ke Hkkfjr dher@ewY;
100% ls de tksf[ke Hkkj 93,84,449.97 11,08,346.76
100% tksf[ke Hkkj 7,43,280.13 5,49,338.24
100% ls vf/kd tksf[ke Hkkj 10,68,096.97 9,53,642.22
dqy 1,11,95,827.07 26,11,327.22

lkj.kh Mh,Q&5% _.k tksf[ke fuokj.k&ekudhd`r n``f"Vdks.kksa gsrq izdVhdj.k

xq.kkRed izdVhdj.k
cSad us ¼d½ _.k tksf[ke fuokj.k rFkk cslsy III@Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kksa dh Hkkouk dks /;ku es j[krs gq, mfpr laikf'oZd dh igpku ij tkx#drk c<+kus
rFkk ¼[k½ cslsy III@ Hkkjrh; fjt+oZ cSad ds fn'kkfunsZ'kksa esa fu/kkZfjr n`f"Vdks.k ds vuqlkj iw¡th izHkkj ds ifjdyu esa _.k tksf[ke fuokj.k ykHk dks b"Vre cukus ds
mn~~ns'; ls _.k tksf[ke fuokj.k rFkk laikf'oZd izca/ku uhfr ¼_.k uhfr dk Hkkx½ ykxw dh gSA
cSad lk/kkj.kr% _.k lgHkkfxrk] ,Dlikst+j dh mPpre lhek] ,LØks ra=] ok;nk doj] mPprj ekftZu] _.k izlafonkvksa] laikf'oZd rFkk chek doj tSls _.k fuokj.k
rduhdksa ij Hkjkslk djrk gSA
_.k tksf[ke izca/ku uhfr ¼_.k uhfr dk Hkkx½ esa ewY;kadu i)fr;ksa dks foLr`r :i ls crk;k x;k gSA
Hkkjrh; fjtoZ cSad ds fn'kkfunZs'kksa ds vuqlkj] iw¡th izHkkj ds vfHkdyu gsrq ik= laikf'oZd ftlds fy, lhvkj,e ykHk fy;k x;k gS %
iw¡th izHkkj ds vfHkdyu ds fy, lhvkj,e ykHk dh miyC/krk gsrq fuEufyf[kr laikf'oZdksa dks igpkuk tkrk gS%
i) cSad ds lkFk tekvksa ij udnh ¼tek izek.ki=ksa vFkok rqyukRed fy[krksa ds lkFk lkFk _.knkrk cSad }kjk tkjh dh xbZ lkof/k tek dh jlhnksa dks
feykdj½ ftu ij dkÅ¡Vj ikVhZ ,Dikslj dks iznku dj jgk gSA
ii) lksuk% lksuk] lksuk&pk¡nh rFkk tsoj dks lfEeyr djsxkA ;|fi laikf'oZd tsoj dh dher 99-99 'kq)rk ds fy, csapekdZ gksuh pkfg,A
iii) dsUnz vkSj jkT; ljdkj }kjk t+kjh izfrHkwfr;k¡A
iv) fdlku fodkl i= vkSj jk"Vªh; cpr çek.k&i= ftuesa dksbZ vo#)rk vof/k fØ;k'khy ugha gS vkSj mUgsa /kkj.k vof/k ds vanj Hkquk;k tk ldrk gSA
v) ,d chek daiuh tks fd chek {ks= fu;ked }kjk fofu;fer dh tkrh gS] dh ?kksf"kr ljsaMj dher ds lkFk chek ikWfyfl;k¡A
vi) de ls de chchch ¼&½@ihvkj3@ih3@,Q+3@,3 jsfVax okyh dtZ çfrHkwfr;ka
vii) E;wpqvy QaM dh bdkb;ka
xkjaVj dkÅaVj ikVhZ ds eq[; izdkj vkSj mudh m/kkj ik=rk
izR;{k] lqLi"V] vpy vkSj vizfrcaf/kr@'krZ jfgr xkjafV;ksa ds laca/k esa cSad _.k lqj{kk ij fopkj djrk gSA iw¡th vko';drk ds vfHkdyu ds nkSjku cSad bu lHkh _.k
lqj{kkvksa dks /;ku esa j[krk gSA
dkÅaVjikVhZ dh rqyuk esa fuEure tksf[ke Hkkj ds lfgr miØeksa }kjk tkjh xkjafV;ka gh iw¡th izHkkj dks de djus esa eq[; Hkwfedk fuHkk;sxhaA D;ksafd dkÅaVjikVhZ
,Dlikst+jdk ljqf{kr fgLlk xkjaVj ds tksf[ke Hkkj dks fufnZ"V djrk gS] tcfd vjf{kr fgLlk mlesa ’kkfey dkÅ¡Vj ikVhZ ds _.k Hkkj dks cuk;s j[krk gSA
fuEufyf[kr miØeksa }kjk nh xbZ _.k lqj{kk dkÅaVjikVhZ ds :i esa igpkuh tkrh gS %
(i) 'kklu ¼dsUnz vkSj jkT; ljdkj½
(ii) ljdkjh miØe ¼bZlhthlh] ,ulhthVhlh vkSj lhthVh,e,lbZ lfgr½
(iii) dkmaVjikVhZ dh rqyuk esa fuEure _.k Hkkfjr cSad
fuokj.k ;ksX; lHkh izdkj dh izfrHkwfr;ka vklkuh ls olwyh ;ksX; foRrh; izfrHkwfr;ka gSaA bl dkj.k ls] cSad }kjk ekU;rk izkIr _.k tksf[ke fuokjdksa esa _.k ladsanzhdj.k dks
gVkus ds fy, orZeku esa dksbZ lhek @ mPpre lhek fu/kkZfjr ugha dh xbZ gSA
iw¡th ewY;kadu esa cSad O;kid n`f"Vdks.k dk iz;ksx djrk gSA O;kid n`f"Vdks.k esa laikf'oZd dks ysrs le;] cSad iw¡th i;kZIrrk iz;ksx ds fy, laikf'oZd ds vlj dks
le;ksftr djrs gq, dkmaVj ikVhZ dks le;ksftr ,Dlikst+j dh x.kuk djrk gSA cSad dksbZ Hkh laikf'oZd ds ewY; dks lek;kstu djus ds fy, laHkkO; Hkkoh mrkj&p<+ko dks
/;ku esa j[kdj ckt+kj esa gksusokys ifjorZu esa izfrHkwfr ds ewY; dks doj djrk gSA

- 196 -
Ekk=kRed izdVhdj.k
izR;sd izdfVr vyx _.k tksf[ke lafoHkkx gsrq] ¼LVSaMvyksu@ lesfdr½ dqy _.k ¼;Fkk ykxw rqyu&i= esa ;k mlds ckgj usfVax ds ckn½ tks fd ekftZu ykxw djus ds
ckn ;ksX; foRrh; laikf'oZd }kjk doj fd;k tkrk gS % ¼` fefy;u esa½
_.k ¼,Dlikst+j½ dk izdkj vgZ foRrh; laikf'oZd xkjafV;ka
ldy _.k tksf[ke ,Dlikst+j
fuf/k vk/kkfjr
_.k vkSj vfxze 5,97,237.07 5,05,716.68
fuos'k 0.00 184.00
vU; vkfLr;ka 0.00 0.00
dqqy fuf/k vk/kkfjr 5,97,237.07 5,05,900.68
xSj fuf/k vk/kkfjr ftlesa vkdfLed ØsfMV]
lafonk,a vkSj O;qRiUu 'kkfey gSa 47,126.64 0.00
dqy 6,44,363.71 5,05,900.68

lkj.kh Mh,Q&6
izfrHkwfrdj.k % ekudhd`r n`f"Vdks.k gsrq izdVhdj.k

xq.koRrk izdVhdj.k % cSad us dksbZ izfrHkwfrdj.k fØ;kdyki ugha fd;k gSA

ek=kRed izdVhdj.k % 'kwU;

lkj.kh Mh,Q &7

O;kikj cgh ¼VªsfMax cqd½ esa ckt+kj tksf[ke
Ckkt+kj tksf[ke %
Ckktkj ds ifjorhZ rF;ksa esa ifjorZu ds dkj.k gksusokyh gkfu dh laHkkouk cktkj tksf[ke gSA varjjk"Vªh; fuiVku cSad ¼chvkbZ,l½ dh ifjHkk"kk
ds vuqlkj cktkj tksf[ke ^^og tksf[ke gS ftlls bZfDoVh vkSj C;kt nj cktkjksa] eqnzk fofue; njksa vkSj i.;ksa ds ewY;ksa esa mrkj&p<+ko ds
dkj.k ^^vkWu^^ vkSj **vkWQ** rqyu irz dh fLFkfr izfrdwy <ax ls izHkkfor gks tkrh gSA **vr% C;kt njksa dk cktkj Lrj ;k izfrHkwfr;ksa ds ewY;]
fons'kh fofue; vkSj bZfDoVh esa ifjorZu rFkk lkFk gh bu ifjorZuksa dh vfLFkjrk ds dkj.k cSad dh iwath vkSj vtZu dks gksusokyk tksf[ke]
ckt+kj tksf[ke gksrk gSA cktkj tksf[ke izca/ku dk mn~ns'; gS] O;kikfjd bdkb;ksa dks cktkj tksf[ke ,Dlikstj ds laca/k esa fo'ys"kdksa ls
pkfyr fufof"V;ka iznku djuk] tksf[ke ,Dlikst+j dh rqyuk esa lafoHkkx fu"iknu vkSj rqyuh; csapekdZ nsus ds tfj;s tksf[ke lek;ksftr
izfrQy dh nj dks vf/kd ls vf/kd djus esa mudks lgk;rk iznku djukA Ckktkj tksf[ke ds varxZr fuEufyf[kr tksf[keksa dk izca/ku fd;k
tkrk gS %
Ÿ C;kt nj tksf[ke
Ÿ fofue; nj tksf[ke
Ÿ bZfDoVh dher tksf[ke
i.;ksa ds ewY;ksa esa ifjorZu ,oa mrkj p<+ko ls Hkh cktkj tksf[ke gks ldrh gS] ;|fi cSad ds i.; lEcUèkh cktkjksa esa dksbZ fuos'k ugha
gSA
cSad ds cktkj tksf[ke çcaèku ¼,evkj,e½ dk ÝseodZ fuEukuqlkj gS%
,½ tksf[ke dh igpku%& cktkj tksf[ke dk irk yxkus] ewY;kadu ,oa çcaèku djus ds fy, ,d ra= cuk;k x;k gS rkfd çR;sd
dkjksckj fØ;kdyki esa tksf[ke igpku o ekU;rk ds fofHkUu igyqvksa ij Li"Vrk fey ldsA
ch½ tksf[ke ekiu vkSj ifjlhek,a%& cSad bl ckr dks Li"Vr;k ekurk gS fd cktkj tksf[ke ds lHkh igyqvksa dks dksbZ ,d tksf[ke &
lkaf[;dh izfrfcafcr ugha dj ldrhA vr% cktkj tksf[ke esa tksf[ke ekiu dh lqn`<rk dks csgrj cukus ds fy, fofHkUu lkaf[;dh; ,oa
xSj&lkaf[;dh; tksf[ke mik;ksa dk iz;ksx fd;k tkrk gSA cktkj tksf[ke dk izca/ku] fofHkUu ekius ds lk/kuksa] ;Fkk] tksf[ke ij jgs ewY;

- 197 -
¼oh,vkj½] tksf[ke ij jgs vtZu] vk”kksf/kr vof/k] ihoh 01 lhek,a] fuoy vksojukbV [kqyh fLFkfr lhek,a ¼,uvksvksih,y½] oS;fDrd xSi lhek
¼vkbZth,y rFkk ladfyr xSi lhek ¼,th,y½ ds tfj, eqnzk&okj vkSj lw{exzfgrk fo”ys"k.k ds tfj;s Hkh fd;k tkrk gSA vfrrhoz] ijUrq
eqefdu vk/kkrksa dh ifjfLFkfr;ksa esa cSad dh vlqj{kk dh fLFkfr dks ekfuVj djus ds fy, fu;fer vk/kkj ij ruko ijh{k.k Hkh fd;k tkrk gSA
lh½ tksf[ke ekfuVfjax%& VªsfMax cgh ds fy, fofHkUu vkarfjd vkSj fofu;ked tksf[ke lhekvksa ds iz;ksx ls] tksfd vkfFkZd ifjn`’;] O;kikj
j.kuhfr] izca/ku dk vuqHko vkSj cSad dh tksf[ke xzkg~;rk ij vk/kkfjr gSa] cSad vius tkf[ke dks ekfuVj ,oa fu;af=r djrk gSA jsV LdSu] ;g
lqfuf’pr djus ds fy, fd;k tkrk gS fd ysunsuksa dk fu"iknu ,oa iwuewZY;u] ekStwnk cktkj njksa ij gks A
Mh½ tksf[ke fjiksfVZax % feM&vkWfQl }kjk VªsT+kjh ifjpkyuksa dks ekuhVj fd;k tkrk gS vkSj eq[; tksf[ke vf/kdkjh dks nSfud vk/kkj ij
fjiksVZ vkSj lkIrkfgd lkj fjiksVZ izLrqr dh tkrh gSA cktkj tksf[ke ds dkj.k mRiUu iwath izHkkj dks ifjdfyr dj] mldh fjiksVZ ekfld
vk/kkj ij vkYdks dks vkSj frekgh vk/kkj ij cksMZ dks izLrqr dh tkrh gSA ruko ijh{k.k uhfr esa fu/kkZfjr /kkj.kkvksa dk vuqikyu djrs gq,
cktkj tksf[ke ds fu/kkZj.k ds fy, ruko ijh{k.k fd;k tkrk gS vkSj frekgh vk/kkj ij vkydks dks fjiksVZ izLrqr dh tkrh gSA
cksMZ }kjk vuqeksfnr O;kid cktkj tksf[ke izca/ku uhfr] fuos”k uhfr] ruko ijh{k.k vkSj O;qRiUu uhfr }kjk cktkj tksf[ke izca/ku vuq”kkflr gS
rkfd lqfuf”pr fd;k tk lds fd cktkj tksf[ke ls ;qDr fofHkUu dk;Zdykiksa esa QSyk gqvk tksf[ke] cSad dh tksf[ke xzkg~;rk ds vUnj gh gSA
m|ksx esa O;kIr mRre O;ogkj vkSj Hkkjrh; fjt+oZ cSad ds fofu;euksa ls lkjh uhfr;ka csapekdZ dh xbZ gSaA cSad ds tkf[ke fjiksfVZax ra= esa
izdVhdj.k vkSj fofHkUu 'kh"kZ Lrj dh lfefr;ksa dks fjiksVZ djuk ”kkfey gSA
ek=kRed izdVhdj.k%
fuEu gsrq iwath vko';drk,a ¼LVSaMvyksu lkoZHkkSfed @ lesfdr½ %
¼A fefy;u esa½
fooj.k LVSaMvyksu lesfdr
C;kt nj tksf[ke 11,942.07 11,942.07

fons”kh fofue; tksf[ke 129.38 129.38

bZfDoVh fLFkfr tksf[ke 4,613.51 4,770.35

dqy 16,684.96 16,841.80

lkj.kh Mh,Q & 8

ifjpkyukRed tksf[ke
xq.kkRed izdVhdj.k
ifjpkyuxr tksf[ke dks ;ksa ifjHkkf"kr fd;k x;k gS fd vi;kZIr ;k vlQy vkrafjd çfØ;k] O;fä vkSj ç.kkyh ;k cká ?kVukvksa ls gksusokyh
gkfu ds dkj.k cuusokyh tksf[keA bl ifjHkk"kk esa fofèkd tksf[ke 'kkfey gS ijUrq j.kuhfrd rFkk çfr"Bk tksf[ke 'kkfey ugha gSA
orZeku esa mn~;ksx ds izfrHkkfx;ksa] fofu;kedksa vkSj vU; LVsd /kkjdksa ds chp ifjpkyuxr tksf[ke rhoz vfHk#fp dk fo"k; jgk gSA cSad us
izHkkoksRiknd vfHk”kklu] tksf[ke dSIpj vkSj ifjpkyuxr tksf[ke ,Dlikst+j dh ekrzk dks ukius ds fy, ifjpkyuxr tksf[ke izca/ku <kapk
¼vksvkj,e,Q½ vkSj ifjpkyuxr tksf[ke izca/ku ra= ¼vksvkj,e,l½ fu/kkZfjr fd;k gSA mi;qDr xq.kkRed ,oa ek=kRed rjhdksa dk iz;ksx rFkk
nSuafnu dh izca/k izfØ;kvksa esa lqLFkkfir vkarfjd fu;a=.k iz.kkfy;ksa dk iz;ksx rFkk nSuafnu dh izca/k izfØ;kvksa esa lqLFkkfir vkarfjd fu;a=.k
iz.kkfy;ksa dk iz;ksx vkSj fofHkUu tksf[ke ”keu uhfr;ksa dks viukus ls ifjpkyuxr tksf[ke dk lqxe izca/ku fd;k tkrk gSA fofHkUu
mRiknksa@izfØ;kvksa esa fufgr tksf[ke cks/k dk leh{kkRed fo”ys"k.k fd;k tkrk gS vkSj vko”;drk iM+us ij lq/kkjkRed dkjZokbZ dh tkrh gSA
cSad us vius ifjpkyuxr tksf[ke ,Dlikst+j dks dSIpj djus] ekWfuVj djus] ekius vkSj izca/k djus ds fy, ifj"d`r osc&vk/kkfjr
ifjpkyuxr tksf[ke iz.kkyh dk;kZfUor dh gSA cSad us 10 o"kZ ls vf/kd vof/k ds fy, vkarfjd gkfu MkVk csl fufeZr fd;k gSA
ifjpkyuxr gkfu ds fy, iwath izHkkj] ewy lwpd n`f"Vdks.k ds vuqlkj fd;k x;kA
ek=kRed izdVhdj.k
iwath izHkkj ds ifjdyu ds fy, ubZ iwath i;kZIrrk <kaps ij fn”kkfunsZ”k esa ifjHkkf"kr :i ls fiNys rhu o"kksZa dh vkSlr ldy vk; dks fy;k
x;k gSA vko”;d iwath #i, 38747-88 fefy;u ¼lesfdr½ gSA

- 198 -
 lkj.kh Mh,Q & 9
cSafdax cgh esa C;kt nj tksf[ke ¼vkbZvkjvkjchch½
xq.kkRed izdVhdj.k
vkbZvkjvkjchch bls lwfpr djrk gS tksfd C;kt njksa esa gksusokys ifjorZu ls cSad dh cSafdax cgh esa laHkkO; foRrh; vlj dks n'kkZrk gSA
C;kt nj tksf[ke dks nks n`f"Vdks.k ds tfj, ekidj ekfuVj fd;k tkrk gS%
i) tksf[ke ij vtZu ¼ikjaifjd xSi fo'ys"k.k½
bl n`f"Vdks.k ds v/khu cSad ds fuoy C;kt vk; ij gksusokyh C;kt njksa esa ifjorZu ds rRdky vlj dks fo'ys"k.k fd;k
tkrk gSA
ii) bZfDoVh dk vkfFkZd ewY; ¼vof/k xSi n`f"Vdks.k½

vkfLr rFkk ns;rkvksa dh vk'kksf/kr vof/k] bZfDoVh dh vk'kkssf/kr vof/k dks vafre :i ls ifjdyu djus ds fy, i`Fkd rkSj ij
vfHkdyu fd;k tkrk gSA bl n`f"Vdks.k esa izfrykHk esa gksusokys fuf'pr ifjorZu ds fy, izfrykHk odz lekuarj egRo ekudj
bfDoVh ds vkfFkZd ewY; ij çHkko dk vkdyu djrk gSA bZfDoVh ds vkfFkZd ewY; ij vlj Hkkjrh; fjt+oZ cSad }kjk
fu/kkZfjr 200 chih,l 'kkd ds vuqlkj fd;k tkrk gSA vk”kksf/kr vof/k ds ifjdyu esa cktkj ls tqMs izfrQy dk iz;ksx
fd;k tkrk gS A
ckt+kj C;kt nj¨a esa g¨usokys ifjorZu ls cSad dh cgh iqLrd esa vtZu rFkk vkÆFkd ewY; esa vlj iM+sxkA vr% bl Ádkj tfVyrk
rFkk rqyu i= d¢ mRikn dh lhek d¢ dkj.k n¨u¨a vtZu rFkk vkÆFkd ewY; esa C;kt nj d¢ ifj.kke d¨ ewY;kafdr djus d¢ fy, vkà vkj vkj
eki Á.kkyh dk Á;¨x fd;k tkrk gSA bld¢ fy, vuqikyu fd, tkusokys rduhd pkyq rwyu i= ls ijs fLFkfr d¢ vk/kkj ij lk/kkj.k
ifjiDork ¼fLFkj nj½ rFkk iquewZY;kadu ¼¶y¨ÇVx nj½ xSi rFkk vof/k xSi d¢ Á;¨x ls ysdj vkSj mPp Lrj rduhd dk Á;¨x fd;k tkrk gS
ftlesa vkfLr ns;rkv¨a rFkk rqyu i= ls ijs en¨a ij vuqeku¨a d¨ 'kkfey fd;k tkrk gS vkSj ;s csfll t¨f[ke] vUrÆufgr fodYi t¨f[ke]
Áfryk“ oØ t¨f[ke bR;kfn d¢ ,Dli¨t+j dh iw.kZ lhek rd dSIpj dj ldrk gSA
cSaÇdx cgh cqd ¼vkÃvkjvkjchch½ esa cSad C;kt nj t¨f[ke dk foÜys"k.k] oSfÜod fLFkfr d¢ fy, fd;k tkrk gSA bls ekfld vk/kkj
ij fo'ys"k.k uksV vkyd¨ d¨ ÁLrqr fd;k tkrk gSA
ek=kRed izdVhdj.k
C;kt vkèkkj ij jsV 'kkDl gsrq] vtZu vkSj vkfFkZd ewY; ij çHkko uhps fn, x, gSaA
i) ,d o"kZ dh le; ifjfèk ds fy, C;kt nj esa 25 chih,l dh o`f) gsrq vtZu ij tksf[ke #i, ¼&½ 3078-33
fefy;u gSaA
ii) bfDoVh ds ckt+kj ewY; esa 200 chih,l ds ifjorZu ls cSafdax cqd ds C;kt nj ij vlj #i, 72905-14 fefy;u
¼vkbZvkjvkjchch½ gSa A
Mh,Q 10 % çfri{kdkj _.k tksf[ke ls lacfU/kr ,Dlikst+jksa ds fy, lkekU; çdVhdj.k
çfri{kdkj _.k tksf[ke og gS tks ysunsu dh udn izokg ds vafre fuiVku ds igys O;qRiUu ysunsu ds izfri{kdkj n~okjk dh
tkusokyh pwd gS A cSad C;qRiUuksa dks feykdj nksuksa fuf/k vkSj xSj fuf/k vk/kkfjr lqfo/kkvksa gsrq Hkkjrh; fjt+oZ cSad }kjk fu;r ,Dlikst+j ds
ekun.Mksa ds vuqlkj lhek;sa fu/kkZfjr djrk gSA lhek;sa iw¡th fuf/k;ksa ds izfr'kr ds :i esa fu/kkZfjr dh tkrh gSa vkSj fu;fer vk/kkj ij
fuxjkuh dh tkrh gS A dkiksZjsVksa ds fy, O;qRiUuksa dk ewY;kadu fd;k tkrk gS RkFkk fu;fer ewY;kadu ds ,d va”k ds :i esa fu;fer +_.k lhek
ds lkFk eatwjh dh tkrh gS Ads vius izfri{k _.k ,Dlikst+j gsrq vkfFkZd iwath dks fu/kkZfjr ugha djrk gSA
izfri{kh ds lkFk fd;s x;s lHkh O;qRiUu ysu&nsu cSad dh cksMZ }kjk vuqeksfnr O;qRiUu ikWfylh ds ek/;e ls ewY;kafdr fd;s tkrs gSaA
O;qRiUu ,Dlikst+j dh orZeku ,Dlikst+j i)fr ¼lhbZ,e½ dk iz;ksx djrs gq, x.kuk dh tkrh gS vkSj 31-03-2022 dks cdk;k 'ks"k fuEukafdr
gSA

¼` fefy;u esa½
O;qRiUu vkuqekfud fl)kar orZeku _.k ,Dlikstj ¼ldkjkRed ,eVh,e½ orZeku _.k
ok;nk lafonk,a 30,61,977.11 9,421.52 65,287.98

C;kt nj vnyk cnyh 0.00 0.00 0.00

- 199 -
 Mh ,Q&11% iawth dh lajpuk ¼#- fefy;u esa½
lanHkZ la[;kA
¼Mh,Q+&12 ds lacaèk
esa] pj.k 2½

lkekU; bfDoVh fV;j 1 iwath % fy[kr vkSj vkjf{kr fuf/k;ka

1- lh/ks tkjh dh xbZ vgZrk ÁkIr lkekU; ”ks;j iwath vkSj lacaf/kr LVkWd vf/k”ks"k ¼'ks;j Áhfe;e½ 36,369.86 ,1$ ch 1
2- Áfr/kkfjr vk; 9,027.31 ch 6
3- Lkafpr vU; O;kid vk; rFkk ¼vU; vkjf{kfr;k¡½ 3,54,617.29 ch 2$ch 3$ch 4$ ch
5$ ch 7$ch 8¼i½$ch
10¼i½$ ch11
4- lhbZVh 1 ls /khjs&/khjs lekIr gksus ds v/khu lh/ks tkjh dh xbZ iwath
¼dsoy xSj&la;qDr LVkWd daifu;ksa ds fy, ykxw½ 0.00
lkoZtfud {ks= esa iwath Mkyus dks 1 tuojh 2018 rd iqjkus fu;e ds vuqlkj ekU; djuk 0.00
5- lgk;d bdkb;ksa }kjk tkjh dh xbZ vkSj rhljs i{k ¼lhbZVh 1 lewg esa vuqer jkf”k½ }kjk /kkfjr
lkekU; ”ks;j iwath 0.00
6- fofu;ked lek;kstuksa ls igys lkekU; bZfDoVh fV;j 1 iwath 4,00,014.46
lkekU; bfDoVh fV;j 1 iwath % fofu;ked lek;kstu
7- foosdiw.kZ ewY;kadu lek;kstu 0.00
8- xqMfoy ¼lEcaf/kr dj ns;rk dk fuoy½ 0.00
9- ekWVZxst&lfoZflax vf/kdkj ds vykok vewrZ vkfLr;ka ¼lEcaf/kr dj ns;rk dk fuoy½ 0.00
10- vkfLFkxr dj laifÙk 0.00
11- udnh&Áokg cpko fjtoZ 0.00
12- visf{kr gkfu ds fy, Áko/kkuksa dh deh 0.00
13- foØ; ij ÁfrHkwfrdj.k ykHk 0.00
14- mfpr ewY; ns;rkvksa ij futh _.k tksf[ke esa ifjorZu ds dkj.k ykHk vkSj gkfu 0.00
15- ifjHkkf"kr&ykHk isa”ku dks"k fuoy laifÙk 0.00
16- futh ”ks;j esa fuos”k ¼fjiksVZ fd, x, rqyui= esa ;fn igys ls gh ÁnÙk iwath dk lek;kstu u
fd;k x;k gks½ 0.00
17- lkekU; bfDoVh esa ijLij ØkWl&gksfYMax 1,302.84
18- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ik= ”kkWVZ iksft”ku fuoy ds nk;js ls
ckgj gSa] dh iwath esa fuos”k] tgka cSad dh tkjh ”ks;j iwath 10 Áfr”kr ls vf/kd ugha gS
¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh jkf”k½ 0.00
19- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ik= ”kkWVZ iksft”ku fuoy ds nk;js ls
ckgj gSa] ds lkekU; ”ks;j esa egRoiw.kZ fuos”k] tgka cSad dh tkjh ”ks;j iwath 10 Áfr”kr ls vf/kd
ugha gS ¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh jkf”k½ 1,050.00
20- eksVZxst lfoZflax vf/kdkj ¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh jkf”k½ 0.00
21- vLFkk;h fHkUurk ls mRiUu vkfLFkxr dj vkfLr ¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh
jkf”k] lEcaf/kr dj ns;rk dk fuoy½ 0.00
22- 15 Áfr”kr dh ÁkjafHkd lhek ls vf/kd jkf”k 0.00
23- ftuesa ls % foÙkh; laLFkkvksa ds lkekU; ”ks;j esa egRoiw.kZ fuos”k 0.00
24- ftuesa ls % ekWVZxst lfoZflax vf/kdkj 0.00
25- ftuesa ls % vLFkk;h fHkUurk ls mRiUu gksus okyh vkfLFkxr dj vkfLr;ka 0.00
26- jk"Vªh; fof”k"V fofu;ked lek;kstu ¼26d $ 26[k $ 26x $ 26?k½ 0.00

- 200 -
 Mh ,Q&11% iawth dh lajpuk ¼#- fefy;u esa½
lanHkZ la[;kA
¼Mh,Q+&12 ds lacaèk
esa] pj.k 2½
26d ftlesa ls % vlesfdr chek vuq"kafx;ksa dh bZfDoVh iwath esa fuos”k 0.00
26[k ftlesa ls % vlesfdr xSj&foÙkh; vuq"kafx;ksa dh bZfDoVh iwath esa fuos”k 0.00
26x ftlesa ls % cSad ds lkFk vlesfdr Áeq[k futh foÙkh; laLFkkvksa dh bZfDoVh iwath esa deh 0.00
26?k ftlesa ls % vifj”kksf/kr isa”ku fuf/k O;; 0.00
csly III iwoZ i)fr ds VªhVesaV ds v/khu jkf”k ds lEca/k esa lkekU; bZfDoVh fV;j 1 ij ykxw
fofu;ked lek;kstu 0.00
ftuesa ls % vU; foÙkh; daifu;ksa esa dqy bfDoVh fuos”k 0.00
27- vi;kZIr vfrfjDr fV;j 1 vkSj fV;j 2 dVkSrh dks doj djus ds fy, lkekU; bZfDoVh
fV;j 1 ij ykxw fofu;ked lek;kstu 0.00
28- LkekU; bZfDoVh fV;j 1 esa dqy fofu;ked lek;kstu 2,352.84
29- LkkekU; bZfDoVh fV;j 1 esa iwath ¼lhbZVh 1½ 3,97,661.62
vfrfjDr fV;j 1 iwath % fy[kr
30- lh/ks tkjh fd, x, ik= vfrfjDr fV;j 1 fy[kr vkSj lEcaf/kr LVkWd vf/k”ks"k ¼31 $ 32½ 20,000.00
31- ftlesa ls %ykxw ys[kkadu ekudksa ds varxZr ns;rk ds :i esa oxhZ—r
¼lrr xSj&lap;h vf/kekuh ”ks;j½ 0.00
32- ftlesa ls % ykxw ys[kkadu ekudksa ds varxZr ns;rk ds :i esa oxhZ—r ¼lrr _.k fy[kr½ 20,000.00 Mh 8
33- vfrfjDr fV;j 1 iwath ls pj.kc) :i ls ckgj ¼Qst vkmV½ gksus ds v/khu lh/ks tkjh
fd, x, iwath fy[kr 0.00
34- vuq"kafx;ksa }kjk tkjh rFkk rhljs i{k }kjk ¼,Vh 1 lewg esa vuqer jkf”k rd½ /kkfjr
vfrfjDr fV;j 1 fy[kr ¼vkSj 5oha iafDr esa ”kkfey ugha fd, x, lhbZVh 1 fy[kr½ 0.00
35- ftlesa ls % pj.kc) :i ls ckgj ¼Qst vkmV½ gksus ds v/khu vuq"kafx;ksa }kjk tkjh fd, x, fy[kr 0.00
36- fofu;ked lek;kstu djus ls iwoZ vfrfjDr fV;j iwath 1 20,000.00
vfrfjDr fV;j iwath 1 % fofu;ked lek;kstu
37- futh vfrfjDr fV;j 1 fy[kr esa fuos”k 0.00
38- vfrfjDr fV;j 1 fy[krksa esa ikjLifjd ØkWl&gksfYMaXl 200.00
39- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ik= ”kkWVZ iksft”ku fuoy ds nk;js
ls ckgj gSa] dh iwath esa fuos”k] tgka cSad dh tkjh ”ks;j iwath 10 Áfr”kr ls vf/kd ugha gS
¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh jkf”k½ 0.00
40- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ds nk;js ls ckgj gSa] dh iwath esa
egRoiw.kZ fuos”k] ¼ik= ”kkWVZ iksft”ku dk fuoy½ 0.00
41- jk"Vªh; fof”k"V fofu;ked lek;kstu ¼41 d $ 41 [k½ 0.00
41d xSj&lesfdr chek vuq"kafx;ksa dh vfrfjDr fV;j 1 iwath esa fuos”k 0.00
41[k cgqer ds LokfeRo okyh foÙkh; laLFkkvksa ftudks cSad ds lkFk lesfdr ugha fd;k x;k gS] dh
vfrfjDr fV;j 1 iwath esa deh A 0.00
csly III iwoZ i)fr ds VªhVesaV ds v/khu jkf”k;ksa ds lEca/k esa vfrfjDr fV;j 1 ij ykxw
fd, x, fofu;ked lek;kstu 0.00
ftlesa ls % ,VhvkbZ ls Qsl vkmV fd;s x;s 0.00
ftlesa ls % fo|eku lek;kstu] ftudh fV;j 1 esa ls 50 Áfr”kr ij dVkSrh dh xbZ gS 0.00
ftlesa ls % MhVh, 0.00
42- vi;kZIr fV;j 2 ds dkj.k dVkSrh dks doj djus ds fy, vfrfjDr fV;j 1 ij ykxw
fofu;ked lek;kstu 0.00

- 201 -
 Mh ,Q&11% iawth dh lajpuk ¼#- fefy;u esa½
lanHkZ la[;kA
¼Mh,Q+&12 ds lacaèk
esa] pj.k 2½

43- vfrfjDr fV;j 1 esa dqy fofu;ked lek;kstu 2,00.00

44- vfrfjDr fV;j 1 iwath ¼,Vh 1½ 19,800.00
44d iwath i;kZIrrk dh x.kuk esa Á;qDr vfrfjDr fV;j 1 iwath 19,800.00
45- fV;j 1 iwath ¼Vh 1 ¾ lhbZVh 1 $ ,Vh 1½ ¼29 $ 44 d½ 4,17,461.62
fV;j 2 iwath % fy[kr ,oa izko/kku
46- lh/ks tkjh fd, x, ik= fV;j 2 fy[kr vkSj lEcaf/kr LVkWd vf/k”ks"k 61,000.00 Mh 7
47- fV;j 2 ls pj.kc) :i ls ckgj ¼Qst vkmV½ gksus ds v/khu lh/ks tkjh fd, x, iwath fy[kr 0.00 Mh 5 $ Mh 6
48- vuq"kafx;ksa }kjk tkjh fd, x, ,oa r`rh; i{kksa }kjk /kkfjr ¼jkf”k lewg fV;j 2 esa vuqer½ fV;j
2 fy[kr ¼rFkk iafDr;ksa 5 vkSj 34 esa ”kkfey ugha fd;s x;s lhbZVh 1 vkSj ,Vh 1 fy[kr½ 0.00
49- ftuesa ls % pj.kc) :i ls ckgj ¼aQst vkmV½ gksus ds v/khu lgk;d daifu;ksa }kjk tkjh
fd, x, fy[kr 0.00
50- Áko/kku ¼vkbZ,Qvkj lfgr½ 42,960.59 ik= çkoèkku $ ch 9
51- fofu;ked lek;kstuksa ls iwoZ fV;j 2 iwath 1,03,960.59
fV;j 2 iwath % fofu;ked lek;kstu
52- futh fV;j 2 fy[kr esa fuos”k 0.000.00
53- fV;j 2 fy[krksa esa ikjLifjd ØkWl&gksfYMaXl 0.00
54- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ik= ”kkWVZ iksft”ku fuoy ds nk;js ls
ckgj gSa] dh iwath esa fuos”k] tgka cSad dh tkjh ”ks;j iwath 10 Áfr”kr ls vf/kd ugha gS
¼10 Áfr”kr dh ÁkjafHkd lhek ls vf/kd dh jkf”k½ 0.00
55- cSafdax] foÙkh; vkSj chek laLFkkvksa] tks fofu;ked lesdu ds nk;js ls ckgj gSa] dh iwath esa
egRoiw.kZ fuos”k] ¼ik= ”kkWVZ iksft”ku dk fuoy½ 0.00
56- jk"Vªh; fof”k"V fofu;ked lek;kstu ¼56 d $ 56 [k½ 0.00
56d ftlesa ls % xSj&lesfdr vuq"kafx;ksa dh fV;j 2 iwath esa fuos”k 0.00
56[k ftlesa ls % cgqer ds LokfeRo okyh foÙkh; laLFkkvksa ftudks cSad ds lkFk lesfdr ugha fd;k
x;k] dh fV;j 2 iwath esa deh 0.00
csly III iwoZ i)fr ds VªhVesaV ds v/khu jkf”k ds lEca/k esa fV;j 2 ij ykxw fofu;ked lek;kstu 0.00
ftlesa ls % fV;j 2 ckW.M ls gVk, x, 0.00
57- fV;j 2 iwath esa dqy fofu;ked lek;kstu 0.00
58- fV;j 2 iwath ¼Vh & 2½ 1,03,960.59
58d iwath i;kZIrrk dh x.kuk esa Á;qDr fV;j 2 iwath 1,03,960.59
58[k fV;j 2 iwath ds :i esa ekU; ,Dlsl vfrfjDr fV;j 1 iwath 0.00
58x iwath i;kZIrrk ds fy, Lohdk;Z dqy fV;j 2 iwath ¼58d $58[k½ 1,03,960.59
59- dqy iwath ¼Vhlh ¾ Vh1$Vh2½ ¼45$58x½ 5,21,422.21
60- dqy tksf[ke Hkkfjr vkfLr;ka ¼60d$60[k$60x½ 30,94,715.75
60d ftlesa ls % dqy _.k tksf[ke Hkkfjr vkfLr;ka 26,11,327.23
60[k ftlesa ls % dqy cktkj tksf[ke Hkkfjr vkfLr;ka 1,46,450.43
60x ftlesa ls % dqy ifjpkyuxr tksf[ke Hkkfjr vkfLr;ka 3,36,938.10
iwath vuqikr
61- lkekU; bZfDoVh fV;j 1 ¼tksf[ke Hkkfjr vkfLr;ksa ds Áfr”kr ds :i esa½ 12.84%

- 202 -
 Mh ,Q&11% iawth dh lajpuk ¼#- fefy;u esa½
lanHkZ la[;kA
¼Mh,Q+&12 ds lacaèk
esa] pj.k 2½

62- fV;j 1 ¼tksf[ke Hkkfjr vkfLr;ksa ds Áfr”kr ds :i esa½ 13.48%

63- Dqy iwath ¼tksf[ke Hkkfjr vkfLr;ksa ds izfr”kr ds :i esa½ 16.84%
64- laLFkk fof”k"V cQj vko”;drk ¼U;wure lhbZVh 1 vko”;drk o iwath laj{k.k vkSj izfrpØh; cQj
vko”;drk,a] tksf[ke Hkkfjr vkfLr;ksa ds izfr”kr ds :i esa O;Dr½ 8.00%
65- ftlesa ls% iwath laj{k.k cQj vko”;drk 2.50%
66- ftlesa ls% cSad fof”k"V izfrpØh; cQ+j vko”;drk 0.00%
67- ftlesa ls th&,lvkbZch cQ+j vko”;drk 0.00%
68- cQlZ dks iwjk djus ds fy, miyC/k lkekU; bZfDoVh fV;j 1
¼tksf[ke Hkkfjr vkfLr;ksa ds izfr”kr ds :i esa½ 7.34%
69 jk"Vªh; lkekU; bZfDoVh fV;j 1 U;wure vuqikr ¼;fn csly III U;wure ls vyx gS½ 8.00%
70 jk"Vªh; fV;j 1 U;wure vuqikr ¼;fn csly III ds U;wure ls vyx gS ½ lhlhch lfgr 9.50%
71 dqy jk"Vªh; iwath U;wure vuqikr ¼;fn csly III ds U;wure ls vyx gS ½ 11.50%
lhek ls de ek=k esa dVkSrh ds fy, jkf'k;k¡ ¼tksf[ke Hkkj ls igys½
72 vU; foÙkh; laLFkkvksa dh iwath esa xSj egRoiw.kZ fuos'k 0.00
73 foÙkh; laLFkkvksa ds lkekU; LV‚d esa egRoiw.kZ fuos'k 273.79
74 ca/kd lfoZflax vf/kdkj ¼lacaf/kr dj ns;rk dk fuoy½ 0.00
75 vLFkk;h vUrj ls mRiUu gksus okyh vkLFkfxr dj vkfLr;ka ¼lacaf/kr dj ns;rk dk fuoy½ 48,589.05
fV;j 2 esa çko/kkuksa dks 'kkfey fd, tkus ij ykxw dSIl
76 ekudh—r n`f"Vdks.k ds v/khu iznRr _.kksa ds laca/k esa fV;j 2 esa 'kkfey fd, tkus ds fy, ik=
çko/kku ¼dSi dks ykxw djus ds igys½ 48,321.20 bZ 1
77 ekudh—r n`f"Vdks.k ds rgr fV;j 2 esa çko/kkuksa ds lekos'k ¼_.k tksf[ke vkjMcY;w, ds 1-25%½
ij dSi 32,641.59
78 vkarfjd ewY;kadu vk/kkfjr n`f"Vdks.k ds v/khu tksf[ke ds laca/k esa fV;j 2 esa 'kkfey fd, tkus
ds fy, ik= çko/kku ¼dSi dks ykxw djus ds igys½ ykxw ugha
79 vkarfjd ewY;kadu vk/kkfjr n`f"Vdks.k ds rgr fV;j 2 esa çko/kkuksa dks 'kkfey fd, tkus ds fy, dSi ykxw ugha
Qsl&vkmV O;oLFkk ds v/khu iwath fy[krsa
80 Qsl&vkmV O;oLFkk ds rgr lhbZVh 1 fy[krksa ij orZeku dSi 0.00
81 dSi dh otg ls ds lhbZVh 1 ls vioftZr jkf'k ¼ekspu vkSj ifjiDork ds ckn dSi ij vfrfjä½ 0.00
82 Qsl&vkmV O;oLFkk ds rgr ,Vh 1 fy[krksa ij orZeku dSi 0.00
83 dSi ds dkj.k ,Vh 1 ls vioftZr jkf'k ¼ekspu vkSj ifjiDork ds ckn dSi ij vfrfjä½ 0.00
84 Qsl&vkmV O;oLFkk ds rgr Vh 2 fy[krksa ij orZeku dSi 0.00
85 dSi dh otg ls Vh 2 ls vioftZr jkf'k ¼ekspu vkSj ifjiDork ds ckn dSi ij vfrfjä½ 00.00

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 VsEiysV d¢ fy, u¨V

VsEiysV
dh iafä fooj.k (` fefy;u esa½
la[;k

10 lafpr gkfu;ksa ds lkFk tqM+h gqà vkLFkfxr dj vkfLr;k¡ 0.00

vkLFkfxr dj vkfLr;k¡ ¼mudks NksM+ dj tks lafpr gkfu;ksa ls tqM+h

gqbZ gSa½ vkLFkfxr dj ns;rkvksa dk fuoy 3,88,025.00

iafä 10 esa of.kZr ds vuqlkj dqy ;ksx 0.00

19 vxj vuq"kafx;ksa esa fuos'k iwath ls iw.kZr% ugha dkVk tkrk gS vkSj mlds
,ot esa dVkSrh gsrq 10 çfr'kr U;wure lhek ds varxZr fygkt esa
fy;k tkrk gS] rks ifj.kke Lo:i cSad dh iwath esa o`f) 0.00

ftlesa ls% lkekU; bZfDoVh fV;j 1 iwath esa o`f) 0.00

ftlesa ls% vfrfjä fV;j 1 iwath esa o`f) 0.00

ftlesa ls% fV;j 2 iwath esa o`f) 0.00

26 ch xSj lesfdr xSj foÙkh; vuq"kafx;ksa dh bZfDoVh iwath esa fuos'k ugha
dkVk tkrk gS vkSj ifj.kker% tksf[ke Hkkfjr fd;k tkrk gS] rks 0.00

¼1½ lkekU; bZfDoVh fV;j 1 iwath esa o`f) 0.00

¼2½ tksf[ke Hkkfjr vkfLr;ksa esa o`f) 0.00

44 , vU; vfrfjä fV;j 1 iwath] ftldk ifjdyu iwath i;kZIrrk ds fy,

ugha fd;k x;k gS ¼iafä 44 esa fjiksfVZr vfrfjä fV;j 1 iwath vkSj
iafä 44, esa fjiksfVZr vfrfjDr vuqes; fV;j 1 iwath dssa chp dk varj½ 0.00

ftlesa ls% vfrfjä vU; fV;j 1 iwath ftls iafä 58ch ds rgr vc
fV;j 2 iwath ekuk x;k gS 0.00

50 fV;j 2 iwath esa 'kkfey ik= çko/kku ¼vkbZ,Qvkj lfgr½ 42,960.59

fV;j 2 iwath esa 'kkfey ik= iquewZY;kadu izkjf{kfr;ka 0.00

iafä 50 dk dqy ;ksx 42,960.59

- 204 -
 Mh,Q 12 % iwath dh lajpuk - feyku vko';drk,aa & pj.k 1 (` fefy;u esa½
foÙkh; fooj.kksa ds lesdu ds fofu;ked
vuqlkj ¼ lesfdr nk;js ds rgr rqyu
½ rqyu i= i=

31-03-2022 dks 31-03-2022 dks

, iwath vkSj ns;rk,a
i iznRr iwath 12,454.41 12,454.41
vkjf{kfr;ka ,oa vf/k'ks"k 4,37,064.88 4,34,896.54
dqy iwath 4,49,519.29 4,47,350.95
vYila[;d ds fgr 249.82 249.82
ii tekjkf'k;ka 59,35,708.75 59,35,753.69
ftlesa ls% cSadksa ls tek 61,934.68 61,934.68
ftlesa ls% xzkgdksa dh tek jkf'k 58,73,774.08 58,73,819.02
ftlesa ls% vU; tek ¼—i;k n'kkZ,¡ ½ 0.00 0.00
iii m/kkj jkf'k;ka 1,71,528.50 1,71,528.50
Hkkjrh; fjtoZ cSad ls 0.00 0.00
cSadksa ls 70.66 70.66
Hkkjr ds ckgj ls m/kkj 18,592.47 18,592.47
vU; laLFkkvksa ,oa vfHkdj.kksa ls 1,52,865.37 1,52,865.37
ftlesa ls% iwath fy[krsa 81,000.00 81,000.00
iv vU; ns;rk,¡ ,oa çko/kku 1,83,957.80 1,72,393.14
dqy ns;rk,¡ 67,40,964.17 67,27,276.11
ch vkfLr;ka
i Hkkjrh; fjtoZ cSad ds ikl udnh vkSj 'ks"k 2,40,544.63 2,40,544.11
cSadksa esa 'ks"k vkSj ekax vkSj vYikof/k ij izfrns; /kujkf'k 5,59,137.58 5,58,935.76
ii fuos'k % 17,65,016.11 17,55,395.59
ftlesa ls% ljdkjh çfrHkwfr;ksa esa 14,25,565.92 14,20,890.07
ftlesa ls% vU; vuqeksfnr çfrHkwfr;ksa esa 72.47 0.00
ftlesa ls% 'ks;jksa esa 12,151.33 12,002.06
ftlesa ls% _.ki= vkSj ckaM esa 3,07,397.21 3,04,423.52
ftlesa ls% vuq"kaxh @ la;qä miØe @ lg;ksfx;ksa esa 10,118.52 11,168.58
ftlesa ls% vU; ¼okf.kfT;d i=ksa] E;wpqvy QaMksa vkfn½ esa 9,710.66 6,911.37
iii _.k vkSj vfxze 38,91,860.63 38,91,860.63
ftlesa ls% cSadksa dks _.k vkSj vfxze 1,11,056.35 1,11,056.35
ftlesa ls% xzkgdksa dks _.k vkSj vfxze 37,80,804.29 37,80,804.29
iv vpy vkfLr;k¡ 76,989.11 76,914.95
v vU; vkfLr;ka 2,07,416.11 2,03,625.07
ftlesa ls% xqMfoy vkSj vewrZ vkfLr;ka 0.00 0.00
ftlesa ls% vkLFkfxr dj vkfLr;k¡ 38,856.87 38,802.50
vi lesdu ij xqMfoy 0.00 0.00
vii ykHk vkSj gkfu [kkrs esa ukes 'ks"k 0.00 0.00
dqy vkfLr;ka 67,40,964.17 67,27,276.11

- 205 -
 Mh,Q & 12 iwath dh lajpuk & feyku vko';drk,a &pj.k 2 (` fefy;u esa½
foRrh; fooj.kksa ds lesdu ds fofu;ked
vuqlkj rqyu i= nk;jsa ds varxZr lanHkZ
rqyui= la[;k
¼lesfdr½
31.03.2022 dks 31.03.2022 dks
iznRr i¡wth 12,454.41 12,454.41 ,
ftuesa ls % lhbZVh 1 ds fy, ik= jkf'k 12,454.41 12,454.41 ,1
vkjf{kr fuf/k rFkk vf/k'ks"k ¼1$2$3$4$5$6$7$8$9$10$11½ 4,37,064.88 4,34,896.54 ch
ftuesa ls
1- 'ks;j fizfe;e 23,915.44 23,915.44 ch 1
2-lkafof/kd vkjf{kfr;ka 96,359.65 96,359.65 ch 2
3-vkjf{kr iwath 11,106.94 10,628.89 ch 3
4-fo'ks"k vkjf{kfr;ka 23,479.02 23,479.02 ch 4
ftuesas ls dj dk fuoy fo'ks"k vkjf{kfr;ka 582.00 582.00 ch 4 ¼i½
5-jktLo vkjf{kfr;ka 1,53,132.62 1,53,132.62 ch 5
6-ykHk ,oa gkfu [kkrk 10,717.61 9,027.31 ch 6
7-lekesyu vkjf{kr 40,069.16 40,069.16 ch 7
8-iquewZY;u vkjf{kr 62,110.23 62,110.23 ch 8
iquewZY;u vkjf{kr ¼lhbZVh 1 iwath ds va”k ij 55% NwV½ 27,949.60 27,949.60 ch 8¼i½
9-vkjf{kr fuos'k 10,319.00 10,319.00 ch 9
10- Q‚jsu djsalh Vªkalys'ku fjt+oZ ¼,QlhVhvkj½ 3,972.38 3,972.38 ch 10
ftuesa ls iwath fuf/k d¢ fy, ¼25% dh NwV½ fy;k x;k 2,979.28 2,979.28 ch 10 ¼i½
11- vkbZvkj,l vkjf{kr 19.06 19.06 ch 11
12- fuos'k vkjf{kr 1,863.78 1,863.78
12- vYi la[;d ds fgr 249.82 249.82 ch 12
ftuesa ls iwath fuf/k d¢ fy, fy;k x;k 0.00 0.00 ch 12¼i½
dqy iwath 4,49,769.12 4,47,600.77
tek jkf'k;ka 59,35,708.75 59,35,753.69 lh
ftuesa ls % cSadksa dh tek jkf'k;ka 61,934.68 61,934.68 lh¼i½
ftuesas ls % xzkgd tek,a 58,73,774.08 58,73,819.02 lh¼ii½
ftuesa ls % vU; tek,a 0.00 0.00 lh¼iii½
m/kkj 1,71,528.50 1,71,528.50 Mh
Hkkjrh; fjt+oZ cSad ls 0.00 0.00 Mh1
cSadksa ls 70.66 70.66 Mh2
Hkkjr ds ckgj ls m/kkj 18,592.47 18,592.47 Mh3
vU; laLFkkvksa vkSj ,tsafl;ksa ls 1,52,865.37 1,52,865.37 Mh4
ftuesa ls % iwath fy[kr 81,000.00 81,000.00 Mh4 ¼i½
vij fV;j II fy[kr ¼xSj csly III vuqikyd½ 0.00 0.00 Mh5
yksoj fV;j II fy[kr ¼xSj csly III vuqikyd½ 0.00 0.00 Mh6
fV;j II fy[kr ¼csly III vuqikyd½ 61,000.00 61,000.00 Mh7
,Vh1 ds fy, vgZ LFkk;h _.k fy[kr 20,000.00 20,000.00 Mh 8
vU; ns;rk,a ,oa izko/kku 1,83,957.80 1,72,393.14 bZ
lkekU; izko/kku 48,321.20 48,321.20 bZ 1
dqy 67,40,964.17 67,27,276.11

- 206 -
 Mh,Q & 12 iwath dh lajpuk & feyku vko';drk,a&pj.k 2 (` fefy;u esa½
foRrh; fooj.kksa ds lesdu ds fofu;ked
vuqlkj rqyu i= nk;jsa ds varxZr lanHkZ
rqyui= la[;k
¼lesfdr½
31.03.2022 dks 31.03.2022 dks
vkfLr;ka
Hkkjrh; fjt+oZ cSad ds lkFk udn ,oa 'ks"k 2,40,544.63 2,40,544.11
cSadksa ds ikl 'ks"k vkSj ekax vYi lwpuk ij izfrns; jkf'k 5,59,137.58 5,58,935.76
fuos'k 17,65,016.11 17,55,395.59
ftuesa ls % ljdkjh izfrHkwfr;ka 14,25,565.92 14,20,890.07
ftuesa ls % vU; vuqeksfnr izfrHkwfr;ka 72.47 0.00
ftuesa ls % 'ks;j 12,151.33 12,002.06
ftuesa ls % fMcsapj ,oa ckaM 3,07,397.21 3,04,423.52
ftuesa ls % vuq"kaxh @ la;qDr m|e @ lg;ksxh laLFkk,a 10,118.52 11,168.58
ftuesa ls % vU; ¼okf.kfT;d i=] E;qpqvy QaM bR;kfn½ 9,710.66 6,911.37
_.k ,oa vfxze 38,91,860.63 38,91,860.63
ftuesa ls % cSadksa dks _.k vkSj vfxze 1,11,056.35 1,11,056.35
ftuesa ls % xzkgdksa dks _.k vkSj vfxze 37,80,804.29 37,80,804.29
vpy vkfLr;ka 76,989.11 76,914.95
vU; vkfLr;ka 2,07,416.11 2,03,625.07
ftuesa ls % xqMfoy vkSj vewrZ vkfLr;ka 0.00 0.00
ftuesa ls
xqMfoy 0 0
vU; vewrZ rRo 0 0
vkLFkfxr dj ns;rk,a ¼fuoy½ 38,856.87 38,802.50
lesdu ij xqMfoy 0.00 0.00
ykHk rFkk gkfu [kkrs esa ukes 'ks"k 0.00 0.00
dqy vkfLr;ka 67,40,964.17 67,27,276.11

csly III lkekU; çdVhdj.k VsEiysV dk m)j.k & rkfydk Mh,Q+ & 11 pj.k 3
lkekU; bfDoVh fV;j 1 iwath% fy[kr vkSj vkjf{kr

cSad }kjk fjiksVZ dh pj.k 2 ls lesdu ds fu;ked

xbZ fu;ked nk;js ds rgr rqyu I= ds
iwath dk ?kVd lanHkZ la[;k@i=ksa ds
vkèkkj ij lzksr
1 lhèks tkjh vgZd lkekU; 'ks;j ¼vkSj xSj&la;qä LV‚d daifu;ksa ds fy, lerqY;½
iwath vkSj lacafèkr LV‚d vfèk'ks"k 36369.86 ,1 $ ch 1
2 çfrèkkfjr miktZu 9027.31 ch 6
3 lafpr vU; O;kid vk; ¼vkSj vU; vkjf{kr½ 354617.29 ch2 $ch3 $ch4 $ch5 $ch7
$ch8¼i½ $ch10¼i½
4 lhbZVh 1 ls pj.kc) :i ls lhèks tkjh iwath ¼dsoy xSj&la;qä LV‚d daifu;ksa
ij ykxw½ 0.00
5 lgk;d daifu;ksa }kjk tkjh vkSj r`rh; i{k }kjk èkkfjr lkekU; 'ks;j iwath
¼lewg lhbZVh 1 esa vuqer jkf'k½ 0.00
6 fu;ked lek;kstu ls igys lkekU; bfDoVh fV;j 1 iwath 400014.46
7 foosdiw.kZ ewY;kadu lek;kstu 0.00
8 xqMfoy¼lacafèkr dj ns;rk dk fuoy½ 0.00

- 207 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk % lh;w,lvkbZih] vkbZ,lvkbZ,u vFkok futh
LFkkuu ds fy, CywecxZ igpkudrkZ½ vkbZ,ubZ562,01011
3 fy[krksa dk fu;a=.k djusokys fu;e ykxw Hkkjrh; dkuwu vkSj fofu;ked vko';drk,a ij
fofu;ked VªhV~esaV
4 laØe.kdkfyd csly III fu;e lkekU; bZfDoVh fV;j 1
5 mRrj laØe.kdkfyd csly III fu;e ik=
6 ,dy@lewg@lewg ,oa ,dy ij ik= lewg ,oa ,dy
7 fy[kr çdkj dkeu 'ks;j
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 12454-41
9 fy[kr dk leewY; Ykkxw ugha
10 ys[kkadu oxhZdj.k ’ks;j /kkjd dk bZfDoVh
11 tkjh djus dh ewy frfFk fHkUu frfFk
12 lrr vFkok fnukafdr csfe;knh
13 ewy ifjiDork frfFk Ykkxw ugha
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ dky Ykkxw ugha
15 oSdfYid dkWy fnukad] vkdfLed dkWy fnukad ,oa ekspu jkf'k ¼#i, fefy;u esa½ ykxw ugha
16 vuqorhZ dky fnukad ;fn ykxw gks ykxw ugha
dwiu@ ykHkka'k ykHkka'k
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu ykHkka'k
18 dwiu nj vFkok dksbZ vU; lacaf/kr lwpdkad ykxw ugha
19 ykHkka'k jks/kd dk vfLrRo ykxw ugha
20 iw.kZ foosdkf/kdkj] v/kZ foosdkf/kdkj vFkok vfuok;Z iw.kZ foosdk/khu
21 Hkqukus ds fy, LVsi vi vFkok vU; izksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; ykxw ugha
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds izdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr tkjhdrkZ dks fofufnZ"V djsaA ykxw ugha
30 voys[ku fo'ks"krk,a ugha
31 ;fn vofyf[kr gS rks] mlds fVªxj ykxw ugha
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% ykxw ugha
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h ykxw ugha
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr
çdkj mYys[k djsa½ ykxw ugha
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 208 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk % lh;w,lvkbZih] vkbZ,lvkbZ,u vFkok futh LFkkuu
ds fy, CywecxZ igpkudrkZ½ vkbZ,ubZ562,08057
3 fy[krksa dk fu;a=.k djusokys fu;e Hkkjrh; dkuwu
fofu;ked VªhV~esaV
4 laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
5 mRrj laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
6 ,dy@lewg@lewg ,oa ,dy ij ik= ,dy ,oa lewg
7 fy[kr çdkj csly III vuqikyd vfrfjä fV;j 1 ¼,Vh 1½ csfe;knh ck.M
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 10480
9 fy[kr dk leewY; ¼#i, fefy;u esa½ 10480
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 18@12@2020
12 lrr vFkok fnukafdr csfe;knh
13 ewy ifjiDork frfFk csfe;knh
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ dky gk¡
15 oSdfYid dkWy fnukad] vkdfLed dkWy fnukad ,oa ekspu jkf'k ¼#i, fefy;u esa½ oSdfYid dkyW fnukad% 08@12@2025 ekspu jkf”k% leewY; ij
16 vuqorhZ dky fnukad ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vFkok dksbZ vU; lacaf/kr lwpdkad 8-44 çfr'kr izfro"kZ
19 ykHkka'k jks/kd dk vfLrRo gk¡
20 iw.kZ foosdkf/kdkj] v/kZ foosdkf/kdkj vFkok vfuok;Z v/kZ foosdkèkhu
21 Hkqukus ds fy, LVsi vi vFkok vU; izksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds izdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr tkjhdrkZ dks fofufnZ"V djsaA ykxw ugha
30 voys[ku fo'ks"krk,a gk¡
31 ;fn vofyf[kr gS rks] mlds fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rk] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ?kVuk ds
?kfVr gksus ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.M èkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ tkjhdrkZ ds bfDoVh 'ks;jksa vkSj 'kkÜor xSj&lap;h vfèkeku 'ks;jksa]
;fn dksbZ gks] esa fuos'kdksa ds nkoksa ls csgrj
¼ii½ lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds vèkhu vkSj
vfrfjä fV;j 1 iwath ds :i esa vgZd vèkhuLFk _.k ds vykok
tkjhdrkZ ds vèkhuLFk _.k ds vèkhu
¼iii½ vkil esa xSj& vfèkeku lexfr vkSj vfrfjä fV;j 1 iwath ds
:i esa oxÊ—r vU; vèkhuLFk _.k
¼iv½ tkjhdrkZ dh ;k lacafèkr bdkbZ dh ;k vU; O;oLFkk dh xkjaVh
}kjk u rks lqjf{kr vkSj u gh doj fd;k x;k tks dkuwuh ;k vkfFkZd :i
ls cSad ysunkjksa ds lacaèk esa nkos dh ofj"Brk dks c<+krk gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 209 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk % lh;w,lvkbZih] vkbZ,lvkbZ,u vFkok futh
LFkkuu ds fy, CywecxZ igpkudrkZ½ vkbZ,ubZ562,08065
3 fy[krksa dk fu;a=.k djusokys fu;e Hkkjrh; dkuwu
fofu;ked VªhV~esaV
4 laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
5 mRrj laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
6 ,dy@lewg@lewg ,oa ,dy ij ik= ,dy ,oa lewg
7 fy[kr çdkj csly III vuqikyd vfrfjä fV;j 1 ¼,Vh 1½ csfe;knh ck.M
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 5600
9 fy[kr dk leewY; ¼#i, fefy;u esa½ 5600
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 14@12@2020
12 lrr vFkok fnukafdr csfe;knh
13 ewy ifjiDork frfFk csfe;knh
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ dky gk¡
15 oSdfYid dkyW fnukad] vkdfLed dkWy fnukad ,oa ekspu jkf'k ¼#i, fefy;u esa½ oSdfYid dkWy fnukad% 14@12@2025 ekspu jkf”k% leewY; ij
16 vuqorhZ dky fnukad ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vFkok dksbZ vU; lacaf/kr lwpdkad 8-44 çfr'kr izfro"kZ
19 ykHkka'k jks/kd dk vfLrRo gk¡
20 iw.kZ foosdkf/kdkj] v/kZ foosdkf/kdkj vFkok vfuok;Z v/kZ foosdk/khu
21 Hkqukus ds fy, LVsi vi vFkok vU; izksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; xSj ifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds izdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr tkjhdrkZ dks fofufnZ"V djsaA ykxw ugha
30 voys[ku fo'ks"krk,a gka
31 ;fn vofyf[kr gS rks] mlds fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ?kVuk ds
?kfVr gksus ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ tkjhdrkZ ds bfDoVh 'ks;jksa vkSj 'kkÜor xSj&lap;h vfèkeku 'ks;jksa]
;fn dksbZ gks] esa fuos'kdksa ds nkoksa ls Åij
¼ii½ lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds vèkhu vkSj
tkjhdrkZ ds vfrfjä fV;j 1 iwath ¼tSlk fd csly III fn'kkfunZs'kksa esa
ifjHkkf"kr fd;k x;k gS½ ds :i esa vgZrk çkIr vèkhuLFk _.k ds vykok
tkjhdrkZ dk vèkhuLFk _.k
¼iii½ vkil esa xSj& vfèkeku lexfr vkSj vU; vèkhuLFk _.k
csly III fn'kkfunZ's kksa ds vuqlkj vfrfjä fV;j 1 iwt
a h ds :i esa oxÊ—r
¼iv½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 210 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk % lh;w,lvkbZih] vkbZ,lvkbZ,u vFkok futh LFkkuu
ds fy, CywecxZ igpkudrkZ½ vkbZ,ubZ562,08073
3 fy[krksa dk fu;a=.k djusokys fu;e Hkkjrh; dkuwu
fofu;ked VªhV~esaV
4 laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
5 mRrj laØe.kdkfyd csly III fu;e vfrfjä fV;j 1 ck.M
6 ,dy@lewg@lewg ,oa ,dy ij ik= ,dy ,oa lewg
7 fy[kr çdkj csly III vuqikyd vfrfjä fV;j 1 ¼,Vh 1½ csfe;knh ck.M
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 3920
9 fy[kr dk leewY; ¼#i, fefy;u esa½ 3920
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 30@12@2020
12 lrr vFkok fnukafdr csfe;knh
13 ewy ifjiDork frfFk csfe;knh
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ dky gk¡
15 oSdfYid dkyW fnukad] vkdfLed dkWy fnukad ,oa ekspu jkf'k ¼#i, fefy;u esa½ oSdfYid dkWy fnukad% 30@12@2025 ekspu jkf”k% leewY; ij
16 vuqorhZ dky fnukad ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vFkok dksbZ vU; lacaf/kr lwpdkad 8-44 çfr'kr izfro"kZ
19 ykHkka'k jks/kd dk vfLrRo gk¡
20 iw.kZ foosdkf/kdkj] v/kZ foosdkf/kdkj vFkok vfuok;Z v/kZ foosdkèkhu
21 Hkqukus ds fy, LVsi vi vFkok vU; izksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; xSj ifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds izdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr tkjhdrkZ dks fofufnZ"V djsaA ykxw ugha
30 voys[ku fo'ks"krk,a gka
31 ;fn vofyf[kr gS rks] mlds fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ?kVuk ds
?kfVr gksus ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ tkjhdrkZ ds bfDoVh 'ks;jksa vkSj 'kkÜor xSj&lap;h vfèkeku 'ks;jksa]
;fn dksbZ gks] esa fuos'kdksa ds nkoksa ls Åij
¼ii½ lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds vèkhu vkSj
tkjhdrkZ ds vfrfjä fV;j 1 iwath ¼tSlk fd csly III fn'kkfunZs'kksa esa
ifjHkkf"kr fd;k x;k gS½ ds :i esa vgZrk çkIr vèkhuLFk _.k ds vykok
tkjhdrkZ dk vèkhuLFk _.k
¼iii½ vkil esa xSj& vfèkeku lexfr vkSj vU; vèkhuLFk _.k
csly III fn'kkfunZ's kksa ds vuqlkj vfrfjä fV;j 1 iwt
a h ds :i esa oxÊ—r
¼iv½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 211 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ562,08024
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg a
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 2900
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 2900
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 30@10@2018
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 30@10@2028
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y gk¡
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ oSdfYid d‚y fnukad % 30@10@2023
ekspu jkf”k % leewY; ij
16 vuqorhZ d‚y fnukad] ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-90 çfr'kr çfro"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ?kVuk ds
?kfVr gksus ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
¼iv½ tc rd cSad }kjk ckaM@fMcsapj tkjh djus dh 'krZsa fufnZ"V ugha
dh tkrh gSa fd ,sls ckn ds ckaM èkkjdksa ds nkos ofj"B gSa ;k bl lwpuk
Kkiu ds rgr tkjh ckaMksa ds vèkhuLFk ;k tc rd fd vkjchvkbZ vius
fn'kkfunZs'kksa esa vU;Fkk fufnZ"V ugha djrk gS] ckaM èkkjdksa ds nkos ,sls
ckn ds fMcsapj @ ckaM tkjh djus okys èkkjdksa ds nkoksa ds leku jgsaxs(
vkSj cSad }kjk tkjh vU; fV;j 2 fy[krksa ds èkkjdksa ds lkFk leku
jSafdax ij gksxkA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 212 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ562,08032
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 1100
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 1100
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 06@11@2018
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 06@11@2028
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y gk¡
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ izFke oSdfYid d‚y fnukad% 06@11@2023
ekspu jkf”k% leewY; ij
16 vuqorhZ d‚y fnukad] ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-85 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
¼iv½ tc rd cSad }kjk ckaM@fMcsapj tkjh djus dh 'krZsa fufnZ"V ugha
dh tkrh gSa fd ,sls ckn ds ckaM èkkjdksa ds nkos ofj"B gSa ;k bl lwpuk
Kkiu ds rgr tkjh ckaMksa ds vèkhuLFk ;k tc rd fd vkjchvkbZ vius
fn'kkfunZs'kksa esa vU;Fkk fufnZ"V ugha djrk gS] ckaM èkkjdksa ds nkos ,sls
ckn ds fMcsapj @ ckaM tkjh djus okys èkkjdksa ds nkoksa ds leku jgsaxs(
vkSj cSad }kjk tkjh vU; fV;j 2 fy[krksa ds èkkjdksa ds lkFk leku
jSafdax ij gksxkA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 213 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ562,08040
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg a
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 6000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 6000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 22@01@2019
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 22@01@2029
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y gk¡
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ oSdfYid d‚y fnukad% 22@01@2024
ekspu jkf”k% leewY; ij
16 vuqorhZ d‚y fnukad] ;fn ykxw gks igyh d‚y ns; frfFk ds ckn dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-53 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
¼iv½ tc rd cSad }kjk ckaM@fMcsapj tkjh djus dh 'krZsa fufnZ"V ugha
dh tkrh gSa fd ,sls ckn ds ckaM èkkjdksa ds nkos ofj"B gSa ;k bl lwpuk
Kkiu ds rgr tkjh ckaMksa ds vèkhuLFk ;k tc rd fd vkjchvkbZ vius
fn'kkfunZs'kksa esa vU;Fkk fufnZ"V ugha djrk gS] ckaM èkkjdksa ds nkos ,sls
ckn ds fMcsapj @ ckaM tkjh djus okys èkkjdksa ds nkoksa ds leku jgsaxs(
vkSj cSad }kjk tkjh vU; fV;j 2 fy[krksa ds èkkjdksa ds lkFk leku
jSafdax ij gksxkA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 214 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ428,08028
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 5000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 5000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 20@01@2015
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 20@01@2025
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y miyCèk ugha
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ ykxw ugha
16 vuqorhZ d‚y fnukad] ;fn ykxw gks ykxw ugha
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-78 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 215 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ428,08044
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 10000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 10000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 21@12@2015
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 20@12@2025
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y miyCèk ugha
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ ykxw ugha
16 vuqorhZ d‚y fnukad] ;fn ykxw gks ykxw ugha
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-64 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rkss] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rkss] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 216 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ428,08051
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 10000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 10000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 25@01@2017
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 25@01@2027
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y miyCèk ugha
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ ykxw ugha
16 vuqorhZ d‚y fnukad] ;fn ykxw gks ykxw ugha
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 8-15 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 217 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ428,08101
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e Vh;j&2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e Vh;j&2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III dk;kZfUor fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 15000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 15000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 27@12@2019
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 27@12@2029
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y gk¡
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ oSdfYid d‚y fnukad% 27@12@2024
ekspu jkf”k% le ewY; ij
16 vuqorhZ d‚y fnukad] ;fn ykxw gks igyh d‚y dh ns; frfFk ds ckn dh dksbZ Hkh dwiu Hkqxrku frfFk
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 9-53 çfr'kr çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iw.kZ foosdkf/kdkj
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ds ?kfVr gksus
ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚.Mèkkjdksa ds nkos gksaxs%
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 218 -
 lkj.kh Mh,Q & 13 fofu;ked iwath fy[krksa dh eq[; fo'ks"krk,¡
fofu;ked iwath fy[krksa dh eq[; fo'ks"krkvksa gsrq çdVhdj.k VsEIysV
Øa-la- fooj.k fV;j 2 c‚UM & lhjht V
1 tkjhdrkZ bafM;u cSad
2 fof'k"V igpkudrkZ ¼mnk-lh;w,lvkbZih] vkbZ,lvkbZ,u ;k futh LFkkuu ds fy,
CywecxZ igpkudrkZ½ vkbZ,ubZ562,08081
3 fy[krksa dks fu;a=.k djus okys fu;e Hkkjrh; dkuwu
fofu;ked VªhVesaV
4 laØe.kdkyhu csly III fu;e fV;j 2 c‚UM
5 mÙkj&laØe.kdkyhu csly III ds fu;e fV;j 2 c‚UM
6 ,dy @ lewg @ lewg vkSj ,dy Lrj ij ik= ,dy ,oa lewg
7 fy[kr dk çdkj csly III vuqikfyr fV;j II c‚UM
8 fofu;ked iwath esa 'kkfey dh xbZ jkf'k ¼#i, fefy;u esa½ 20000
9 fy[kr dk le ewY; ¼#i, fefy;u esa½ 20000
10 ys[kkadu oxhZdj.k mèkkj
11 tkjh djus dh ewy frfFk 13@01@2021
12 lrr vFkok fnukafdr fnukafdr
13 ewy ifjiDork rkjh[k 13@01@2031
14 iwoZ i;Zos{kh vuqeksnu ds v/khu tkjhdrkZ d‚y gk¡
15 oSdfYid d‚y fnukad] vkdfLed d‚y fnukad vkSj ekspu jkf'k ¼#i;s fefy;u esa½ oSdfYid d‚y fnukad% 13@01@2026 ekspu jkf”k % leewY; ij
16 vuqorhZ d‚y fnukad] ;fn ykxw gks igyh d‚y ns; frfFk ds i'pkr dksbZ Hkh vU; dwiu Hkqxrku frfFk
dwiu@ykHkka'k dwiu
17 fLFkj vFkok vfLFkj ykHkka'k @ dwiu LFkk;h
18 dwiu nj vkSj dksbZ vU; lacaf/kr lwpdkad 6-18% çfr o"kZ
19 ykHkka'k jks/kd dk vfLrRo ugha
20 iw.kZ foosdkf/kdkj] v/kZfoosdkf/kdkj vFkok vfuok;Z iwjh rjg ls foosdkèkhu
21 Hkqukus ds fy, LVsi vi vFkok vU; çksRlkgu jkf'k dk vfLrRo ugha
22 xSj lap;h vFkok lap;h xSj lap;h
23 ifjorZuh; vFkok vifjorZuh; vifjorZuh;
24 ;fn ifjorZuh; gS rks] ifjorZu fVªxj ykxw ugha
25 ;fn ifjorZuh; gS rks] iw.kZr% vFkok va'kr% ykxw ugha
26 ;fn ifjorZuh; gS rks] ifjorZu nj ykxw ugha
27 ;fn ifjorZuh; gS rks] vfuok;Z vFkok oSdfYid ifjorZu ykxw ugha
28 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr ds çdkj dks fofufnZ"V djsa ykxw ugha
29 ;fn ifjorZuh; gS rks] ifjorZuh; fy[kr dss tkjhdrkZ dks fofufnZ"V djsa ykxw ugha
30 voys[ku fo'ks"krk,¡ gk¡
31 ;fn vofyf[kr gS rks] voys[ku fVªxj Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr fd, vuqlkj xSj&O;ogk;Zrk ds fcanq
ij ¼ihvks,uoh½
32 ;fn vofyf[kr gS rks] iw.kZr% vFkok va'kr% Hkkjrh; fjtoZ cSasd ds foosdkèkhu iw.kZr% ;k va'kr%
33 ;fn vofyf[kr gS rks] LFkk;h ;k vLFkk;h Hkkjrh; fjtoZ cSad }kjk fuèkkZfjr ihvks,uoh uked fVªxj ?kVuk ds
?kfVr gksus ij LFkk;h cês [kkrs ds vèkhu
34 ;fn vLFkk;h voys[ku gS rks] jkbV& vi ç.kkyh dk fooj.k ykxw ugha
35 ifjlekiu esa v/khurk LFkku esa inØe ¼fy[kr ds fudVre ofj"B fy[kr çdkj c‚UMèkkjdksa ds nkos &
mYys[k djsa½ ¼i½ cSad dh fV;j 1 iwath esa 'kkfey fd, tkus ds fy, ik= fy[krksa esa
fuos'kdksa ds nkoksa ls ofj"B(
¼ii½ cSad ds lHkh tekdrkZvksa vkSj lkekU; ysunkjksa ds nkoksa ds
vèkhuLFk
¼iii½ u rks cSad ;k lacafèkr bdkbZ ;k vU; O;oLFkk dh xkjaVh] tks
dkuwuh ;k vkfFkZd :i ls cSad ds ysunkjksa dh rqyuk esa nkos dh ofj"Brk
dks c<+krh gks] }kjk lqjf{kr vkSj doj fd;k x;k gSA
¼iv½ tc rd cSad }kjk c‚UM@fMcsapj tkjh djus dh 'krZsa]fd ,sls ckn
ds c‚UM èkkjdksa ds nkos bl çdVhdj.k nLrkost ds rgr tkjh c‚UMksa ds
vfèkd ;k de gSa ;k tc rd fd vkjchvkbZ vius fn'kkfunZs'kksa esa vU;Fkk
fufnZ"V ugha djrk gS] fufnZ"V ugha dh tkrh gSa rc rd c‚UMèkkjdksa ds
,sls nkos] ckn ds èkkjdksa ds nkoksa ds leku gksaxs cSad ds fMcsapj@c‚UM
dks tkjh djuk( vkSj
¼v½ muds chp ojh;rk ds fcuk leku jSad
36 xSj dk;kZfUor laØe.k fo'ks"krk,a ykxw ugha
37 ;fn gk¡] xSj dk;kZfUor fo'ks"krkvksa dks fofufnZ"V djuk ykxw ugha

- 219 -
 lkj.kh Mh,Q & 14% fofu;ked iwath fy[krksa ds iw.kZ fu;e vkSj 'krZsa
csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k vfrfjä fV;j 1 c‚UM & lhjht II
1 çfrHkwfr dk fooj.k 8-44% lwphc)] vlqjf{kr] vèkhuLFk] xSj&ifjorZuh;] iw.kZr% çnr] dj ;ksX;] LFkk;h] csly III
vuqikfyr vfrfjä fV;j 1 c‚UM ¼,Vh 1½ #- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 1048
djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 07@12@2020
5 fuxZe can gksus dh frfFk 07@12@2020
6 lhjht lhjht II
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08057
8 çfr fy[kr vafdr ewY; #- 10]00]000
9 çfr fy[kr çnÙk ewY; #- 10]00]000
10 fuxZe dk ewY; #- 1048 djksM+
11 vkoaVu dh frfFk 08@12@2020
12 ifjiDork dh rkjh[k 'kkÜor fy[krsa
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkß ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k ykxw ugha
15 dwiu nj ¼LFkk;h½ 8-44% çfr o"kZ
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 08 fnlacj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igyh C;kt ds Hkqxrku dh frfFk 08@12@2021

- 220 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k vfrfjä fV;j 1 c‚UM & lhjht III
1 çfrHkwfr dk fooj.k 8-44% lwphc)] vlqjf{kr] vèkhuLFk] xSj&ifjorZuh;] iw.kZr% çnr] dj ;ksX;] LFkk;h] csly III
vuqikfyr vfrfjä fV;j 1 c‚UM ¼,Vh 1½ #- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 560
djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 11@12@2020
5 fuxZe can gksus dh frfFk 11@12@2020
6 lhjht Lhjht III
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08065
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 560 djksM+
11 vkoaVu dh frfFk 14@12@2020
12 ifjiDork dh rkjh[k 'kkÜor fy[krsa
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkß ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k ykxw ugha
15 dwiu nj ¼LFkk;h½ 8-44 %
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 14 fnlacj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 14@12@2021

- 221 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k vfrfjä fV;j 1 c‚UM & lhjht IV
1 çfrHkwfr dk fooj.k 8.44% lwphc)] vlqjf{kr] vèkhuLFk] xSj&ifjorZuh;] iw.kZr% çnr] dj ;ksX;] LFkk;h] csly III
vuqikfyr vfrfjä fV;j 1 c‚UM ¼,Vh 1½ #- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 392
djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 29@12@2020
5 fuxZe can gksus dh frfFk 29@12@2020
6 lhjht Lhjht IV
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08073
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 392 djksM+
11 vkoaVu dh frfFk 30@12@2020
12 ifjiDork dh rkjh[k 'kkÜor fy[krsa
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k ykxw ugha
15 dwiu nj ¼LFkk;h½ 8.44%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 30 fnlacj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 30@12@2021

- 222 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & Vªsap ,
1 çfrHkwfr dk fooj.k 8-90% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 290 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 26@10@2018
5 fuxZe can gksus dh frfFk 26@10@2018
6 lhjht Vªsap ,
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08024
8 çfr fy[kr vafdr ewY; #- 10]00]000
9 çfr fy[kr çnÙk ewY; #- 10]00]000
10 fuxZe dk ewY; #- 290 djksM+
11 vkoaVu dh frfFk 30@10@2018
12 ifjiDork dh rkjh[k 30@10@2028
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k #- 290 djksM+
15 dwiu nj ¼LFkk;h½ 8-90%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 30 vDVwcj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 30@10@2019

- 223 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & Vªsap ch
1 çfrHkwfr dk fooj.k 8-85% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2
c‚UM #- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 110 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 02-11-2018
5 fuxZe can gksus dh frfFk 02-11-2018
6 lhjht Vªsap ch
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08032
8 çfr fy[kr vafdr ewY; #- 10]00]000
9 çfr fy[kr çnÙk ewY; #- 10]00]000
10 fuxZe dk ewY; #- 110 djksM+
11 vkoaVu dh frfFk 06@11@2018
12 ifjiDork dh rkjh[k 06@11@2028
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k #-110 djksM+
15 dwiu nj ¼LFkk;h½ 8-85 %
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 6 uoEcj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 06@11@2019

- 224 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & VªSUp lh
1 çfrHkwfr dk fooj.k 8-53% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 600 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 18@01@2019
5 fuxZe can gksus dh frfFk 18@01@2019
6 lhjht VªSUp lh
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08040
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 600 djksM+
11 vkoaVu dh frfFk 22@01@2019
12 ifjiDork dh rkjh[k 22@01@2029
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k #- 600 djksM+
15 dwiu nj ¼LFkk;h½ 8-53 %
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 22 tuojh rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igyh C;kt ds Hkqxrku dh frfFk 22@01@2020

- 225 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k vfrfjä fV;j 1 c‚UM & lhjht I
1 çfrHkwfr dk fooj.k 8-78% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 500 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 14@01@2015
5 fuxZe can gksus dh frfFk 16@01@2015
6 lhjht lhjht&I
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ428,08028
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 500 djksM+
11 vkoaVu dh frfFk 20@01@2015
12 ifjiDork dh rkjh[k 20@01@2025
13 d‚y v‚I'ku vuqiyC/k
14 ifjiDo gksus okyh jkf'k #- 500 djksM+
15 dwiu nj ¼LFkk;h½ 8-78%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 20 tuojh
18 igyh C;kt ds Hkqxrku dh frfFk 20@01@2016

csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa

Øa-la- fooj.k fV;j 2 c‚UM & lhjht& II
1 çfrHkwfr dk fooj.k 8-64% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 1000 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 18@12@2015
5 fuxZe can gksus dh frfFk 18@01@2015
6 lhjht lhjht&II
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ428,08044
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 1000 djksM
11 vkoaVu dh frfFk 21@12@2015
12 ifjiDork dh rkjh[k 20@12@2025
13 d‚y v‚I'ku vuqiyC/k
14 ifjiDo gksus okyh jkf'k #- 1000 djksM
15 dwiu nj ¼LFkk;h½ 8-64%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 21 fnlacj
18 igys C;kt ds Hkqxrku dh frfFk 21@12@2016

- 226 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & lhjht& III
1 çfrHkwfr dk fooj.k 8-15% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 1000 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 25@01@2017
5 fuxZe can gksus dh frfFk 25@01@2017
6 lhjht lhjht&III
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ428,08051
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 1000 djksM
11 vkoaVu dh frfFk 25@01@2017
12 ifjiDork dh rkjh[k 25@01@2027
13 d‚y v‚I'ku vuqiyC/k
14 ifjiDo gksus okyh jkf'k #- 1000 djksM+
15 dwiu nj ¼LFkk;h½ 8-15%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 25 tuojh
18 igyh C;kt ds Hkqxrku dh frfFk 25@01@2018

- 227 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & lhjht& IV
1 çfrHkwfr dk fooj.k 9-53% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 1500 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 26@12@2019
5 fuxZe can gksus dh frfFk 26@12@2019
6 lhjht lhjht&IV
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ428,08101
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 1500 djksM
11 vkoaVu dh frfFk 27@12@2019
12 ifjiDork dh rkjh[k 27@12@2029
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k #- 1500 djksM
15 dwiu nj ¼LFkk;h½ 9-53%
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 27 fnlacj rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 27@12@2020

- 228 -
 csly III vuqikfyr c‚UM ds fy, fu;e vkSj 'krZsa
Øa-la- fooj.k fV;j 2 c‚UM & lhjht& V
1 çfrHkwfr dk fooj.k 6-18% vlqjf{kr] iw.kZr% çnr] xSj&ifjorZuh;] ekspuh;, vèkhuLFk] csly III vuqikfyr fV;j 2 c‚UM
#- 10 yk[k ds fMcsapj dh ç—fr esa çR;sd dk dqy #- 2000 djksM+
2 çfrHkwfr çnku djus dk ekè;e futh LFkkuu
3 dj dh fLFkfr dj ;ksX;
4 fuxZe [kqyus dh frfFk 12@01@2021
5 fuxZe can gksus dh frfFk 12@01@2021
6 lhjht lhjht&V
7 vkbZ,lvkbZ,u dksM vkbZ,ubZ562,08081
8 çfr fy[kr vafdr ewY; #-10]00]000
9 çfr fy[kr çnÙk ewY; #-10]00]000
10 fuxZe dk ewY; #- 2000 djksM
11 vkoaVu dh frfFk 13@01@2021
12 ifjiDork dh rkjh[k 13@01@2031
13 d‚y v‚I'ku ¼i½ tkjhdrkZ d‚y% vkjchvkbZ ds iwoZ vuqeksnu ls tkjhdrkZ vius foosdkf/kdkj ij VªLVh dks ,sls
tkjhdrkZ d‚y ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu ¼ftls uksfVl esa tkjhdrkZ d‚y ds
ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞtkjhdrkZ d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ igys lwfpr
dj 'ks"k c‚UMksa ds fy, d‚y fodYi dk ç;ksx dj ldrk gSA
tkjhdrkZ d‚y] tks foosdk/khu gS] vkoaVu dh MhEM frfFk ;kuh ikapoha dwiu Hkqxrku frfFk ;k mlds
ckn fdlh dwiu Hkqxrku frfFk ls ikapoha o"kZxkaB ij ç;ksx fd;k tk ldrk gS ;k ugha Hkh fd;k tk
ldrk gSA
¼ii½ VSDl d‚y% ;fn dksbZ VSDl bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks tkjhdrkZ] ,sls
VSDl d‚y ;k osfj,'ku ¼ftls uksfVl esa VSDl d‚y ds ç;ksx ds fy, fu/kkZfjr frfFk ;k ÞVSDl d‚y
frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de ls de 21 dSysaMj fnu igys VªLVh
dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS ;k c‚UM dks çfrLFkkfir dj ldrk gS ;k
c‚UM dh 'krksaZ dks cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA ;fn Hkkjr esa djk/kku
;k fofu;eksa ;k fu;eksa dks çHkkfor djus okys dkuwuksa esa fdlh Hkh ifjorZu ;k la'kks/ku vFkok ,sls
dkuwuksa] fofu;eksa ;k fu;eksa ds vkf/kdkfjd ç;ksx esa dksbZ cnyko ds ifj.kkeLo:i dksbZ VSDl bosaV
gqvk gS rks tkjhdrkZ c‚UM ij dwiu ds laca/k esa viuh djk/kku nsunkfj;ksa dh x.kuk ds laca/k esa dVkSrh
dk nkok djus dk gdnkj ugha gksxkA tkjhdrkZ }kjk VSDl d‚y dk ç;ksx vkjchvkbZ }kjk ykxw
fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ
tkjhdrkZ dks VSDl d‚y dk ç;ksx djus dh vuqefr rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd
tkjhdrkZ c‚UM tkjh djus ds le; VSDl bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
¼iii½ fofu;ked d‚y% ;fn dksbZ fofu;ked bosaV ¼tSlk fd uhps of.kZr gS½ gqvk gS vkSj tkjh gS rks
tkjhdrkZ] ,sls fofu;ked d‚y ;k osfj,'ku ¼ftls uksfVl esa fofu;ked d‚y ds ç;ksx ds fy,
fu/kkZfjr frfFk ;k Þfofu;ked d‚y frfFkÞ ds :i esa fufnZ"V fd;k tk,xk½ ds ç;ksx dh rkjh[k ls de
ls de 21 dSysaMj fnu igys VªLVh dks lwfpr dj c‚UM ds fy, d‚y dk ç;ksx dj ldrk gS vkSj csgrj
fofu;ked oxhZdj.k okys fy[kr ds lkFk çfrLFkkfir dj ldrk gS ;k vkjchvkbZ ds iwoZ vuqeksnu ls
leku fofu;ked oxhZdj.k ds lkFk dwiu dks de ;k çfrLFkkfir dj ldrk gS ;k c‚UM dh 'krksaZ dks
cny ldrk gS rkfd c‚UM dk csgrj oxhZdj.k fd;k tk ldsA
;fn fofu;ked oxhZdj.k esa c‚UM MkmuxzsM gksrk gS rks ;g ekuk tk,xk fd fofu;ked ?kVuk gqbZ gS]
mnkgj.k Lo:i tkjhdrkZ dh fofu;ked fV;j 1 iwath ls c‚UM dks gVk nsukA tkjhdrkZ }kjk
fofu;ked d‚y dk ç;ksx vkjchvkbZ }kjk ykxw fn'kkfunsZ'kksa ¼tSlk fd uhps ifjHkkf"kr fd;k x;k gS½ esa
fu/kkZfjr vis{kkvksa ds v/khu gSA vkjchvkbZ tkjhdrkZ dks fofu;ked d‚y dk ç;ksx djus dh vuqefr
dsoy rHkh nsxk tc vkjchvkbZ vk'oLr gks tk,xk fd tkjhdrkZ c‚UM tkjh djus ds le; fofu;ked
bosaV dk vuqeku yxkus dh fLFkfr esa ugha FkkA
14 ifjiDo gksus okyh jkf'k #- 2000 djksM+
15 dwiu nj ¼LFkk;h½ 6-18 %
16 C;kt dh vko`fÙk okf"kZd vkSj xSj lap;h
17 C;kt ns; dh frfFk;ka vodk'k dh 'krksZa dks è;ku esa j[krs gq, çfro"kZ 13 tuojh rd ekspu@d‚y v‚I'ku dk ç;ksx
18 igys C;kt ds Hkqxrku dh frfFk 13@01@2022

- 229 -
 lkj.kh Mh,Q &15% ikfjJfed ds fy, izdVhdj.k vko';d;rk,a
-----------------------------------------------------------ykxw ugha -------------------------------------------------
csly III ij Hkkjrh; fjt+oZ cSad d¢ ekLVj ifji= d¢ vuqlkj ;g lkj.kh Hkkjr esa dk;Zjr lHkh futh ,oa fons'kh cSad¨a d¢ fy, gh ykxw
gS A
lkj.kh Mh,Q &16 % bZfDoVh & cSafdax cqd fLFkfr;ksa ds fy, izdVhdj.k
cSadksa }kjk fuos”k lafoHkkx ds oxhZdj.k] ewY;kadu vkSj ifjpkyu gsrq foosdiw.kZ ekun.Mksa ij Hkkjrh; fjtoZ cSad ds ekLVj ifji= ds
vuqikyu esa [kjhn ds le; esa gh fuos”kksa dks O;kikj ds fy, /kkfjr ¼,p,QVh½] fcØh ds fy, miyC/k ¼,,Q,l½ vksj ifjiDork rd
/kkfjr ¼,pVh,e½ ds :Ik esa oxhZÑr fd;k tkrk gSA NksVh vof/k esa gh ewy :Ik ls fcØh ds fy, /kkfjr fuos”kksa dks ,p,QVh izfrHkwfr
ds :Ik esa oxhZÑr fd;k tkrk gSaA ftu izfrHkwfr;ksa dks cSad ifjiDork rd /kkfjr djus dk bjknk j[krk gS] mUgsa ,pVh,e laoxZ esa
oxhZÑr fd;k tkrk gSA Hkkjrh; fjt+oZ cSad ds fn”kkfunsZ”kksa ds vuqlkj vuq"kafx;ksa@la;qDr m|eksa dh bZfDoVh esa fuos”k dks ,,Q,l
izfrHkwfr ds :Ik esa oxhZÑr fd;k tkrk gSA vU; lHkh fuos”kksa dks ,,Q,l izfrHkwfr ds :Ik esa oxhZÑr fd;k tkrk gSA
,pVh,e loaxZ esa /kkfjr bZfDoVh fuos”kksa dks vtZu ykxr ij j[kk tkrk gSA cSafdax cgh ds varxZr bZfDoVh fuos”k] vuq"kafx;ksa vkSj
lg;ksxh laLFkkvksa esa cSad ds fuos”k gSA 31-03-2022 rd cSafdax cgh ds varxZr bZfDoVh ”ks;jksa esa cgh ewY; #i, 2521-02 fefy;u
gSaA
Lkkj.kh Mh,Q 17 & ys[kkafdr vkfLr;ksa dh rqyuk esa fyojst vuqikr
,DLikstj dneksa dh rqyuk dk lkjka’k¼#i, fefy;u esa½ (` fefy;u esa½
Ekn
1 Ikzdkf”kr foRrh; fooj.k ds vuqlkj dqy lesfdr vkfLr;ka 67,27,651.11
2 cSafdax] foRrh;] chek ;k okf.kfT;d miØeksa esa fuos”k ds fy, lek;kstu ftUgsa ys[kkadu ds iz;kstuksa ds fy, lesfdr fd;k x;k
gS ijarq fofu;ked lesdu ds nk;js ds ckgj gSA (1,050.00)
3 Ikfjpkyuxr ys[kkadu <kaps ds vuq:Ik rqyu&i= esa igpkuh x;h izR;;h vkfLr;ksa ds fy, lek;kstu ijarq tks fyojst vuqikr
,DLikst+j dne ds nk;js ls ckgj gSA 0.00
4 O;qRiUu foRrh; fy[krksa ds fy, lek;kstuA 65,287.98
5 izfrHkwfr;ksa ds foRrh;u ysunsuksa ds fy, lek;kstu ¼vFkkZr~ jsiks vkSj blh izdkj ds jf{kr _.k½ 10,878.07
6 rqyu&i= ls ckgj dh enksa ds fy, lek;kstu ¼vFkkZr~ rqyu&i= ds ckgj dh ,Dlikst+j jkf”k;ksa dk _.k&lerqY; jkf”k;ksa esa
ifjorZuA 4,30,453.72
7 vU; lek;kstu (1,502.84)
8 fyojst vuqikr ,Dlikst+j 72,31,718.04

Mh,Q 18 & fyojst vuqikr lkekU; izdVhdj.k VsEIysV #i, fefy;u esa
en
rqyu&i= esa vkusokys ,Dlikst+j lesfdr
1 rqyu&i= esa vkusokyh ensa ¼O;qRiUu vkSj ,l,QVh dks NksM+dj ijarq laikf”oZd dks ”kkfey djrs gq,½ 63,82,649.11
2 ¼csly III fV;j I iwath ds fu/kkZj.k esa ?kVk;h x;h vkfLr jkf”k;kaA (2,552.84)
3 dqy rqyu&i= esa vkusokyh ensa ¼O;qRiUu vkSj ,l,QVh dks NksM+dj½ ¼Åij 1 vkSj 2 dk ;ksx½ 63,80,096.27
O;qRiUu ,Dlikst+j
4 lHkh O;qRiUu ysunsuksa ls lacaf/kr iqu% LFkkiu ykxr ¼vFkkZr~ ik= udnh fofHkUurk ekftZu dks ?kVkus ds ckn½ 9,421.52
5 lHkh O;qRiUu ysunsuksa ls lacaf/kr ih,QbZ ds fy, ,M&vkWu jkf”k;ka 55,866.45
6 ifjpkyuxr ys[kkadu <kaps ds vuqikyu esa rqyu&i= dh vkfLr;kas ls tgka dVkSrh dh xbZ gS] izko/kku fd, x, O;qRiUu
laikf”oZd dh ldy jkf”kA 0.00
7 ¼O;qRiUu ysunsuksa esa izko/kku fd, x, udnh fofHkUurk ekftZu ds fy, izkI; vkfLr;ksa dh dVkSrh½ 0.00
8 ¼xzkgd }kjk fDy;j fd, x, O;kikj ,Dlikst+j esa NwV izkIr lhlhih ysx½ 0.00
9 fyf[kr _.k O;qRiUu ds fy, lek;ksftr izHkkoh uke ek= jkf”kA 0.00
10 ¼ fyf[kr _.k O;qRiUu ds fy, lek;ksftr izHkkoh uke ek= vkWQlsV vkSj ,M&vkWu dVkSfr;ka½ 0.00
11 dqy O;qRiUu ,Dlikst+j ¼Åij 4 ls 10 dk ;ksx½ 65,287.98

- 230 -
 izfrHkwfr;ksa ds foRrh;u laacaf/kr ysunsu ,Dlikst+j
12 ldy ,l,QVh vkfLr;ka ¼usfVax dh igpku jfgr½] fcØh ys[kkadu ysunsuksa ds lek;kstu ds ckn½ 3,45,002.01
13 ¼ldy ,l,QVh vkfLr;ksa esa ns; udnh vkSj izkI; udnh dh fuoy jkf”k;ka½ 0.00
14 ,l,QVh vkfLr;ksa ds fy, lhlhvkj ,Dlikst+j 10,878.07
15 ,tsaV ysunsu ,Dlikst+j 0.00
16 dqy izfrHkwfr foRrh;u ysunsu ,Dlikst+j ¼Åij 12 ls 15 dk ;ksx½ 3,55,880.07
vU; rqyu&i= ls ckgj ds ,Dlikst+j
17 ldy ukeek= jkf”k ij rqyu i= ls ckgj ds ,DLkikst+j 13,97,002.98
18 ¼+_.k lerqY; jkf”k;ksa esa ifjorZu gsrq lek;kstu½ (9,66,549.26)
19 rqyu&i= ls ckgj dh ensa ¼Åij 17 vkSj 18 dk ;ksx½ 4,30,453.72
iwath vkSj dqy ,DLikst+ j
20 fV;j A iwath 4,17,461.62
21 dqy ,Dlikst+j ¼iafä 3] 11] 16 vkSj 19 dk ;ksx½ 72,31,718.04
fyojst vuqikr
22 csly AAA fyojst vuqikr 5.77%

- 231 -
 Le
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- 232 -
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 DIRECTORS' REPORT 2021-22
To 7. All mandatory targets stipulated by RBI have been
The Members, surpassed during FY22.

Your Directors have immense pleasure in presenting the 8. Gross NPA and Net NPA reduced to ` 35,214 Cr (8.47%)
Bank’s Annual Report along with the Audited Statement of and ` 8,849 Cr (2.27%) respectively as on March 31, 2022
Accounts and the Cash Flow statement for the year ended as against ` 38,455 Cr (9.85%) and ` 12,271 Cr (3.37%)
st respectively in March 31, 2021.
31 March 2022.
9. Total recovery of NPAs (including recovery in AUC
FINANCIAL HIGHLIGHTS
accounts) during FY22 amounted to ` 5,087 Cr as against
The major highlights of your Bank's performance during FY22 ` 4,477 Cr in the previous year.
are as follows:
10. Recovery in AUC accounts amounted to ` 1,612 Cr during
A. Resource mobilization & Advances: (` in Cr) FY 22 as against ` 618 Cr in during FY 21.
Particulars 31.03.21 31.03.22 YoY (%) 11. Provision Coverage Ratio (PCR) of the Bank improved by
Domestic Deposits 529264 584661 10.47 526 bps to 87.38% in FY 22 as against 82.12% in FY21.

Of which Current 31861 35969 12.89 12. Bank has a network of 5,732 domestic branches as on
March 31, 2022 and 3 overseas branches, taking the total
Savings 195166 211120 8.17 branch network to 5,735.
CASA 227027 247089 8.84 13. Total number of Bank’s ATMs and BNAs stood at 4,925
CASA Mix (%) 42.89 42.26 -63 bps which include 624 offsite ATMs/BNAs and 3 mobile ATMs.

Overseas Deposits 8807 8957 1.70 14. 1969 Passbook Kiosks have been installed by the Bank
st
as on 31 March 2022.
Global Deposits 538071 593618 10.32
B. INCOME AND EXPENDITURE (` in Cr)
Domestic Advances (Gross) 379537 395698 4.26
Particulars 31.03.21 31.03.22 YoY (%)
Overseas Advances (Gross) 10780 19927 84.85
Interest Earned 39106 38856 -0.64
Total Advances (Gross) 390317 415625 6.48 Interest Expended 23440 22128 -5.60
Total Business 928388 1009242 8.71 Net Interest Income (NII) 15666 16728 6.78
Total Assets 626005 671668 7.29 Other Income 5650 6915 22.39
1. Global Deposits grew by 10.32% YoY and stood at Of which – Fee Income 2368 2555 7.90
` 5,93,618 Cr in March 2022. Profit on sale of
Investments 2124 1626 -23.45
2. Domestic CASA increased to ` 2,47,089 Cr registering a
Recovery of
growth of 8.84% YoY. In order to augment the CASA bad debts 618 1612 160.84
portfolio, Bank has mobilised 40,87,902 new CASA
Operating Revenue
accounts during FY22. (NII + Other income) 21316 23643 10.92
3. Bank’s Domestic Term Deposits posted a growth of Operating Expenses 10349 10926 5.58
11.69% in FY22 as against 6.92% in FY21. Of which Employee Expenses 6378 6695 4.97
4. Gross Advances of the Bank increased by 6.48% on a YoY Other operating
basis to ` 4,15,625 Cr as on March 31, 2022 from Expenses 3971 4231 6.55
` 3,90,317 Cr as on March 31, 2021. Operating Profit 10967 12717 15.96
5. Priority Sector Advances were at ` 1,48,806 Cr as on Provisions 7962 8772 10.17
March 31, 2022. Priority sector as a percentage to Of which Provisions for NPA 7318 8557 16.93
Adjusted Net Bank Credit (ANBC) for FY22 stood at (inclusive of NPI)
45.47% as against the mandatory target of 40.00%. Provision for
Standard advances 469 962 105.12
6. Agriculture Credit (Priority Sector) was at ` 68,936 Cr and
Provision for Tax (99) (741) -
the percentage to quarterly ANBC stood at 21% as
against the mandatory target of 18.00%. Net profit 3005 3945 31.28

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As on March 31, 2022,
1. Total income of the Bank increased by 2% and stood at
` 45,771 Cr, with Interest Income at ` 38,856 Cr and other
Income at ` 6,915 Cr.
2. Bank’s Total Expenditure contracted by 2.17% and stood
at ` 33,054 Cr with Interest Expenditure at ` 22,128 Cr and
Operating expenses at ` 10,926 Cr
3. Bank’s Operating Profit and Net Profit witnessed an
increase of 16% and 31% respectively and stood at
` 12,717 Cr and ` 3,945 Cr respectively. (For FY21 the
same was at ` 10,967 Cr and ` 3,005 Cr respectively).
C. Key Ratios for Mar’22 are as under: (in %)
E. RECRUITMENT /TRAINING
As per Government guidelines, pre-recruitment and pre-
promotion trainings were offered to SC/ST employees during
the process of direct recruitment and internal promotions.
F. CHANGES IN THE BOARD DURING THE YEAR:
All the Directors have been appointed/nominated by the Govt.
of India (GOI) except Shareholder Directors.
1. Shri Shanti Lal Jain assumed charge as Managing
Director and Chief Executive Officer of the Bank from
01.09.2021 vide Government of India, Ministry of Finance,
Department of Financial Services, notification dated
26.08.2021.

Parameters Mar’21 Mar’22 2. Shri Ashwani Kumar assumed charge as Executive

Director of the Bank from 21.10.2021 vide Government of
Yield on Advances 7.45 7.21
India, Ministry of Finance, Department of Financial
Cost of Deposits 4.44 3.97 Services, Notification dated 21.10.2021.
Return on Assets 0.50 0.63 3. Ms.Papia Sengupta was elected as shareholder Director
of the Bank for a period of three years from 29.10.2021.
Return on Equity 10.63 12.13
4. Shri.Balmukund Sahay was nominated as Part-time Non
Net Interest Margin 2.81 2.93
official Director of the Bank for a period of three years vide
Cost Income ratio 48.55 46.21 Government of India, Ministry of Finance, Department of
Financial Services, notification dated 21.12.2021.
Average Business per employee
(` in lakh) 2077 2252 5. Shri Vishvesh Kumar Goel was nominated as Part-time
Profit per employee (` in lakh) 7.22 9.91 Non official Director of the Bank for a period of three years
vide Government of India, Ministry of Finance,
Department of Financial Services, notification dated
D. NETWORTH AND CRAR
21.12.2021.
1. Networth of the Bank stood at ` 33,625 Cr as on
March 31, 2022 as against ` 29,812 Cr in March 31, 2021. 6. Government of India, Ministry of Finance, Department of
Financial Services, notification dated 08.03.2022
2. As per Basel III norms, the Capital to Risk weighted Assets nominated Dr. Aditya Gaiha as RBI Nominee Director in
Ratio (CRAR) was at 16.53% as on the place of Shri S K Panigrahy. Shri S. K. Panigrahy was
March 31, 2022, compared to 15.71% in March 31,2021
RBI Nominee Director upto 07.03.2022.
and as against the regulatory requirement of 11.50%. The
CET- I ratio was at 12.53% as against 11.27% in 7. Shri K Ramachandran was Executive Director of the Bank
March 31, 2021 and the minimum requirement of 8.00%.
till 30.06.2021
The CRAR of Tier I capital was at 13.17% as of
March 31, 2022. 8. The three-year term of Ms. Padmaja Chunduru as
3. During the year, Bank raised Equity capital of ` 1,650 Cr Managing Director and Chief Executive Officer of the
through Qualified Institutional Placement (QIP). Bank ended on 31.08.2021.
Government holding has come down from 88.06% as on
9. The term of Shri V V Shenoy as Executive Director of the
March 31, 2021 to 79.86% as on March 31, 2022.
Bank ended on 31.03.2022 on his superannuation.
(in %)
G. DIRECTORS’ RESPONSIBILITY STATEMENT
As on
BASEL III
Mar’21 Mar’22 The Directors confirm that in the preparation of the annual
accounts for the year ended
CET- I 11.27 12.53
March 31, 2022: –
Tier- I Capital 11.93 13.17
Tier-II Capital 3.78 3.36 1. The applicable accounting standards have been followed
along with proper explanation relating to material
TOTAL 15.71 16.53 departures, if any;

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2. The accounting policies framed in accordance with the
guidelines of the Reserve Bank of India, were consistently
applied;
3. Reasonable and prudent judgment and estimates
were made so as to give a true and fair view on the
state of affairs of the Bank at the end of the
financial year and profit of the Bank for the year ended
March 31, 2022.
4. Proper and sufficient care were taken for the maintenance
of adequate accounting records in accordance with the
provisions of applicable laws governing banks in India;
and
5. The accounts have been prepared on a going concern
basis.
- 235 -
H. ACKNOWLEDGEMENT
The Board expresses its deep sense of gratitude to the
Government of India, State Governments, Reserve Bank of
India and Securities & Exchange Board of India for the
valuable guidance and support received from them. The
Board also thanks the financial institutions and correspondent
Banks for their co-operation and support. The Board
acknowledges the unstinted support of its customers and
shareholders.
The Board places on record its appreciation for the
valuable contribution made by Ms. Padmaja Chunduru,
Shri K Ramachandran, Shri S. K. Panigrahy, and
Shri V V Shenoy who ceased to be members during the year.
The Board places on record its appreciation for the dedicated
services and contribution made by members of staff for the
overall performance of the Bank.
For and on behalf of Board of Directors
SHANTI LAL JAIN
MANAGING DIRECTOR & CHIEF EXECUTIVE OFFICER
 MANAGEMENT DISCUSSION AND ANALYSIS
1. GLOBAL ECONOMY
· Global economy has grown by 6.1% in the year 2021. As
per advance estimates given by the International
Monetary Funds (IMF) it is likely to grow by 3.6% in the
year 2022.
· Global economy witnessed a gradual revival from the
devastating impact of the Covid-19 pandemic during the
first three quarters of FY22 despite the challenges posed
by the second wave of the pandemic.
· The massive vaccination drives by the Government
helped in countering the impact of the pandemic.
However, Global economic prospects have deteriorated
significantly for this year on account of short-lived impact
of the Omicron variant, face-off between Russia and
Ukraine, lockdowns imposed in China disrupting the
global supply chains.
· With persistent & broad-based inflation, major advanced
economies (AEs) called off/ tightened their ultra-
accommodative monetary policies. Overall risks to
economic prospects have risen sharply and policy trade-
offs have become ever more challenging.
· Considering the developments, IMF in its “World
Economic Outlook” released in Apr'22 has projected the
global growth at 3.6% for both 2022 and 2023, which was
0.8% and 0.2% points lower respectively than the Jan'22
forecast.
2. INDIAN ECONOMY
· Indian economy has grown by 8.9% in FY21 and
estimated to grow by 8.2% in FY22 as per latest world
economic outlook by IMF.
· The Reserve Bank of India maintained status quo on
policy rates throughout FY22 to sustain growth on a
durable basis and continue to mitigate the impact of
COVID-19 on the economy, while ensuring that inflation
remains within the target going forward.
· Geo-political tensions resulted in sharp jump in
commodity prices, crude oil prices, etc. which has inter-
alia resulted in increase in Consumer Price Index (CPI)
inflation to 6.07% in Feb 22 and a seventeen month high
of 6.95% in Mar 22, crossing the upper tolerance band of
RBI
· In the interest of customer convenience, and to take
advantage of the availability of RTGS on all days of the
- 236 -
year, RBI proposed to make available NACH on all
days of the week throughout the year, effective from
1st Aug'21.
· Bank lending to registered NBFCs (other than MFIs) for
on-lending to Agriculture, MSME and Housing was
permitted to be classified as Priority Sector Lending
st
(PSL). The facility was extended till 31 Mar'22 from
th
earlier validity period of 30 Sep'21.
· Higher commodity prices including crude-oil prices may
impact growth and inflation, RBI projected CPI inflation
to average at 5.7% in FY23 and GDP growth of 7.2% in
FY23.
· The RBI enhanced the investment limit for foreign
portfolio investors (FPIs) under (Voluntary Retention
Route (VRR) by 1,00,000 Cr to 2,50,000 Cr with effect
from 1st Apr'22.
· On the basis of an assessment of evolving
macroeconomic situation across the world, RBI
increased the policy repo rate by 40 basis points to
4.40%, on 4th May 2022.
· RBI introduced Standing Deposit Facility (SDF) as the
floor for the Liquid Adjustment Facility (LAF) corridor.
Considering the continuous rise in inflation RBI has re-
activated SDF as an additional tool for sucking excess
liquidity from the market.
· RBI decided to enhance the exposure threshold from
25 Cr to 50 Cr to MSMEs as well as non-MSME small
businesses and loans to individual for business
purposes under Resolution Framework 2.0.
· In consonance with the stance of gradual withdrawal of
liquidity, RBI also decided to increase the cash reserve
ratio (CRR) by 50 basis points to 4.5% of net demand
and time liabilities (NDTL), effective from the fortnight
beginning May 21, 2022.
· RBI proposed to increase the cap on amount for e-RUPI
vouchers issued by Governments to 1,00,000 per
voucher and allow use of the e-RUPI voucher multiple
times (until the amount of the voucher is completely
redeemed).
· RBI took decision to continue with the risk weights for all
new housing loans sanctioned up to March'23.
· The Reserve Bank of India has decided to enhance
the limit for inclusion of SLR eligible securities in the
 HTM category to 23% of NDTL and allow the banks to machinery. Additional allocation of 19,500 Cr for PLI
include securities acquired between April 1, 2022 and for manufacture of high efficiency modules, with priority
March 31, 2023 under the enhanced limit of 23%. to fully integrated manufacturing units, aims to promote
domestic manufacturing of solar modules and reduce
· Reserve Bank of India also maintained ample surplus dependency on imports.
liquidity in the system with an objective to nurture and
support the nascent growth by ensuring adequate flow of · Launch of Central Bank Digital Currency (CBDC) in FY23
credit to the productive sectors of the economy.
· SCBs to set up 75 Digital Banking Units in 75 districts to
· RBI continued with rebalancing of liquidity from the promote digitisation initiatives.
passive fixed rate overnight reverse repo window
3. BANKING SECTOR:
towards longer tenors through VRRR auctions in a
gradual, calibrated and non-disruptive manner. · The banking system has liquidity surplus since Jun'19
due to higher growth in bank deposits versus the credit
· RBI launched Retail Direct Scheme and the Integrated growth. Deposits stood at 170.16 lakh Cr in Mar'22,
Ombudsman Scheme, which aims on further deepening registering a growth of 10.21 % YoY.
of financial inclusion and undertaking people centric
initiatives. · Credit offtake picked up during FY22 after the slowdown
of COVID-19 driven by all the major economic sectors.
· The central bank allowed investors to bid in primary Credit growth for scheduled commercial banks (SCBs)
auctions as well as the central bank's trading platform for increased by 10.82% YoY in Mar'22 from 5.61% a year
government securities called Negotiated Dealing ago.
System-Order Matching Segment or NDS-OM.
4. DETAILED BUSINESS OVERVIEW
· RBI has proposed to launch a UPI-based payment
· Total Business recorded a YoY growth of 9% reaching a
product also for feature phone users to deepen financial
level of `1009242 Cr in Mar'22 as against `928388 Cr in
penetration.
Mar'21. Domestic Business recorded a growth of 8% and
Union Budget FY23 reached `980358 Cr as against `908801 Cr in March
2021.
· The fiscal deficit as per GoI's Revised Estimates (RE) for
FY22 is mildly wider at 1.59 lakh Cr (6.9% of GDP), · Total Deposits grew by 10% YoY to 593618 Cr in Mar'22
compared to the budgeted target of 1.51 lakh Cr (6.8% as compared to 538071 Cr in the previous year.
of GDP).
· CASA Deposits reached `247926 Cr as against
`227595 Cr as on March 2021 and registered a growth of
· The outstanding debt of central government is estimated
9%.
to increase by 12% in FY23 at 152 lakh Cr. It would be
around 59% of GDP, 2.1% lower than FY21 and 0.5% · Advances grew by 6% to 415625 Cr in Mar'22 over
higher than FY22. 390317 Cr a year ago. Domestic Credit reached
`395698 Cr. (`379537 Cr as on March 31, 2021)
· Emergency Credit Line Guarantee Scheme (ECLGS)
extended up to Mar'23 and guarantee cover expanded · Global Credit-Deposit Ratio stood at 70.02%.
by 50,000 Cr to total cover of 5 lakh Cr, with the
additional amount being earmarked exclusively for the (a) DEPOSITS:
hospitality and related enterprises.
Performance under Domestic Deposits in FY 22:
· Raising and Accelerating MSME Performance (RAMP) ` in Cr
programme with outlay of 6,000 Cr over 5 years was
Deposits Mar’21 Mar’22 YoY (%)
announced to be rolled out aiming to increase the
Current Account 31861 35969 12.89
productivity and competitiveness of MSMEs thereby
Savings Bank 195166 211120 8.17
revitalising the MSME sector.
CASA 227027 247089 8.84
· Announcement was made to increase capital CASA% to Total Deposits 42.89 42.26 -63 bps
expenditure outlay by 35.4% to 7.50 lakh Cr which may Term Deposit 302237 337571 11.69
increase demand for capital equipment and construction Domestic Deposits 529264 584661 10.47

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· Savings Bank Deposits exhibited growing trend and
reached at `211120 Cr as on Mar'2022 against
`195166 Cr in Mar'2021 with YoY Growth of 8%.
· Current deposits have grown by 12.89% (YoY) with
outstanding of `35969 Cr as on Mar'2022 against
`31861 Cr in Mar'2021.
· Term Deposit grew by 11.69% (YoY) to `337571 Cr as on
Mar'2022 as against `302237 Cr in Mar' 2021.
· During FY22, Bank has opened 39.95 lakhs new Saving
Bank Accounts and 0.93 lakhs new Current Accounts.
· Overseas Deposit grew by 2% (YoY) to `8957 Cr as on
Mar'2022 as against `8807 Cr in Mar' 2021.
· Non Resident Indian (NRI) Deposits reached a level of
`12,270 Cr as on 31.03.22 against `12,086 Cr as on
31.03.21.
· Bank has 79 Retail Asset Processing Centres (RAPCs)
to exclusively process retail loans.
Co Lending Mechanism (CLM)
· Bank has entered into MoU with India Bull HFL, India
Bulls CCL, IIFL Housing Finance Limited, AVANSE
Financial Services, Edelweiss HFL, ECL Finance
Limited, IIFL Finance, SK Fin-Corp Limited. An
aggregate amount of `500 Cr has been sanctioned
under the mechanism.
(c) AGRICULTURE
· Agriculture credit of the Bank grew at 12% YoY from
`78775 Cr to `88100 Cr as on March 31, 2022, as
detailed below:
(` in Cr)

· Bank launched a special scheme for women on Agriculture 31.03.2021 31.03.2022 YoY(%)
International Women's Day on 8th Mar'22 namely “IND
Crop Loans 64898 69051 6%
Mahila Shakti-555 Days” with special rate of interest at
5.15 %. Investment credit 6327 9241 46%
(b) RETAIL CREDIT:
Agri allied 1702 3192 88%
· Retail credit of the Bank grew at 15 % YoY from
Infrastructure &
`69987 Cr to `80433 Cr as on March 31, 2022, as
Ancillary 5848 6616 13%
detailed below:
Total Agriculture 78775 88100 12%
(` in Cr)

Parameters Mar'21 Mar'22 Growth Bank has sold PSLC of `34830 Cr and earned income of
YoY `571 Cr in FY22

Home Loan Incl. Agricultural Disbursement:

Mortgage Loan 47682 53852 13%
· Under Ground Level Credit Flow to Agriculture (GLC),
Vehicle Loan 3649 4198 15% Bank disbursed farm loans to the tune of 58120 Cr
Salary Loan 2944 4422 50% during the FY 2021-22 as against an annual target of
45000 Cr.
Pension Loan 801 884 10%
Education Loan 4684 4626 -1% · During the FY 2021-22, Bank disbursed a sum of
36309 Cr to 28.39 lakh Small/Marginal Farmers.
JL NP including Pool 3832 4787 25%
LAD/ Others 6395 7665 20% Performance under RBI mandatory target under Priority
Sector Advances in FY22
Total Retail Credit 69987 80433 15%
· Priority Sector Advances was at 148806 Cr as on
· During FY 21-22, a total of `31062 Cr has been 31.03.2022. Priority sector as a percentage to quarterly
sanctioned in 467974 accounts. average Adjusted Net Bank Credit (ANBC) for 2021-22
stood at 43.83% as against the mandatory target of
· The number of Direct Selling Agents (DSA) increased to 40.00%.
8137 as on 31.03.2022.
· Agriculture Credit under priority sector was at 68936 Cr
· During the year, various products viz. Ind Kavach as on 31.03.2022 and the percentage to quarterly
(personal loan scheme for meeting Covid-19 related average ANBC for 2021-22 stood at 20.10% as against
expenses), Housing Loan Premium, Used Cars & the mandatory target of 18.00%.
Two Wheelers Loan were launched.
· Lending to SF/MF stood at 34255 Cr as on 31.03.2022
and constituted 9.94% of Adjusted Net Bank Credit

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 (ANBC) on quarterly average basis for the year 2021-22
as against the mandatory target of 9.00%.
· Lending to Weaker Sections stood at 41458 Cr as on
31.03.2022 and constituted 12.82% of Adjusted Net
Bank Credit (ANBC) on quarterly average basis for the
year 2021-22 as against the mandatory target of 11%.
· Lending to MSE-Micro Enterprises stood at 30599 Cr
as on 31.03.2022 and constituted 8.87% of Adjusted Net
Bank Credit (ANBC) on quarterly average basis for the
year 2021-22 as against the mandatory target of 7.50%.
· Lending to Non-Corporate Farmers stood at 66776 Cr
as on 31.03.2022 and constituted 19.08% of Adjusted
Net Bank Credit (ANBC) on quarterly average basis for
the year 2021-22 as against the mandatory target of
12.73%.
CREDIT FLOW TO SELF HELP GROUPS:
Self Help Groups (SHGs) have become the vehicle of change
in the rural areas, transforming the lives of the marginalized
community & expanding the horizons of livelihood
opportunities for women predominantly in rural & semi urban
areas. With a vision to support these groups in achieving the
planned target of faster, more inclusive and sustainable
growth, Bank has actively promoted SHG Bank Linkages.
The outstanding credit to SHGs stood at 9524 Cr covering
3.30 lakh SHGs as on March 2022. During the current financial
year, the Bank had disbursed 7035 Cr to 1.87 Lakh SHGs.
Bank has surpassed the Target set by National Rural
Livelihood Mission under both Disbursement (7035 Cr) and
Outstanding (9524 Cr) for FY 2021-22 as against targets of
`6748 Cr and `8588 Cr respectively.
Microsate Branches: Special attention is being given for
SHGs in urban locations with 44 Exclusive SHG Financing
Branches serving as 'One Stop Shop' - providing credit as well
as credit plus services like training, maintaining
accounts/books etc. During the financial year 2021-22, credit
amounting to 1416 Cr has been extended to 26652 SHGs
through the Microsate branches. The total outstanding
advances of these Microsate Branches stood at 1738 Cr
covering 43422 SHGs as on March 2022.
Joint Liability Groups: Bank is encouraging financing
through Joint Liability Groups, with a view to render credit
support to those category of farmers who do not possess
proper land records/not having own lands. The outstanding
credit to JLGs stood at 287 Cr covering 15210 JLGs as on
31.03.2022.
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WEAKER SECTION ADVANCES:
Bank has been continuously surpassing the mandatory
advance target set for the weaker sections which includes
Small and Marginal Farmers, Artisans, Village and Cottage
Industries, Scheduled Castes and Scheduled Tribes, Self
Help Groups, etc.
· Credit outstanding to Weaker Sections stood at
41458 Cr as at the end of March 2022, which works out
to 12.82% of Quarterly Average ANBC as against
stipulated norm of 11%.
· Outstanding credit to SC/ST beneficiaries stood at
5634 Cr as on 31.03.2022.
Observance of SC/ST and Minority Credit Campaigns
· Special campaigns were conducted for extending credit
to Minorities and SC/STs. Outstanding position of
advances to Minorities stood at 22650 Cr as on
March 2022 which works out to 15.22% of total Priority
Sector Advances position of the Bank as on March 2022.
(d) MICRO, SMALL AND MEDIUM ENTERPRISES (MSME)
· MSME credit of the Bank grew at 6 % YoY from
`70180 Cr to `74167 Cr as on March 31, 2022
· Bank has surpassed the sub target of lending to Micro
enterprises at 11.22% against target of 10%.
· Bank is actively participating in all the three platforms of
TReDS viz. RXIL, Invoicemart and M1xchange. During
FY 22, 18,886 bills for `1904 Cr were discounted.
· Bank is having 79 MSME processing centres which have
helped in improving Turn Around Time (TAT) and
ensuring quality lending.
Emergency Credit Line Guarantee Scheme (ECLGS)
Under ECLGS, the Bank has extended support to 2,73,756
borrowers amounting to `10596 Cr. Bank has launched IND
Sanjeevini, IND Arogyam, Loan Guarantee Scheme for Covid
Affected Sector (LGSCAS) and Loan Guarantee Scheme for
Covid Affected Tourism Service Sector (LGSCATSS) under
ECLGS 4.0
Resolution Framework
· To ease the stress faced by MSME borrowers in serving
the loan interest/ instalment, Restructuring has been
allowed to 77014 MSME units amounting to 8897 Cr
under RP 1.0 and RP 2.0.
PMSVANIDHI Scheme – Loans to Street Vendors
Under the PMSVANIDHI scheme, Bank has sanctioned
212050 applications amounting to `218 Cr.
MSME CLUSTERS:
Bank has approved 59 MSME clusters for financing under
attractive terms. As on 31.03.2022, `4871 Cr have been
financed under these clusters. Bank is in the process of
identifying more clusters.
MUDRA SCHEME
Bank has surpassed the target of `4550 Cr of Mudra loans
by sanctioning `4575 Cr in FY22.
All 3 RRBs of the Bank cumulatively sanctioned `2274 Cr as
such, against the cumulative targets of `6800 Cr for Bank &
RRBs, the Bank & RRBs collectively sanctioned `6849 Cr.
MSME PRERANA
Bank is providing financial literacy program to MSME
entrepreneurs with special focus on Women / SC/ST. During
the year, 1191 entrepreneurs were trained which include 342
women entrepreneurs.
(e) CORPORATE& MID CORPORATE CREDIT
Corporate credit of the Bank stood at `152998 Cr (Mar'22)
constituting 39% of the overall credit of the Bank. During
FY22, the Bank added several new clients to its fold.
9 LCBs are functional to cater to the needs of corporate clients
and are directly reporting to Corporate Office.
Mid Corporate Credit Vertical was formed during FY21 to deal
with borrowers having individual exposure of `25 Cr to less
than `150 Cr. The vertical started with 17 identified branches
named as Mid Corporate Branches (MCBs) located at centers
with high business potential.
(f) OVERSEAS CREDIT
· Bank has three foreign branches located at Singapore,
Colombo, Jaffna and IFSC Banking Unit (IBU) at
Gandhi Nagar, Gujarat. Total outstanding Advances
(gross) of the foreign branches (including IBU) as on
March 31 2022 was `19927 Cr as against `10780 Cr a
year ago with a YoY growth of 85%.
(g) FOREX BUSINESS
· Turnover in Foreign Exchange business of the Bank
increased to `60,667 Cr in FY 22 as against `40,980 Cr
in FY 21.
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· During FY 22, the total turnover in the interbank
forex market amounted to `26,02,961 Cr against
`18,23,026 Cr in FY 21.
· Bank has identified 208 Branches covering all the Major
places /Business centers of the country for catering the
FX needs of the customers. These Branches are directly
connected with one of the two FXCPC located in
Chennai and Mumbai. FXCPCs are the centralized
processing center of the Bank for processing all types of
Foreign Exchange Transaction. The Bank has
Correspondent Arrangements across the globe.
Remittances
· Enterprise Remittances Scheme from Singapore offers
instant credit to customer accounts in India with rupee
equivalent of the foreign remittances. The facility is
available on all days of the week.
· Other inward remittance facilities offered by the Bank
include Western Union Money Transfer and Ria Money
Transfer under the MTSS scheme of RBI, besides
normal SWIFT based Money Transfer across the globe.
· Electronic Funds Transfer arrangement is in place with
Exchange Houses viz., UAE Exchange Centre WLL–
Kuwait, Al Zaman Exchange WLL – Qatar, GCC
Exchange – Dubai, Al Dar For Exchange – Qatar and
with M/s Al Rajhi Bank, Saudi Arabia is in place under the
Rupee Drawing Arrangement Scheme of RBI
(h) FINANCIAL INCLUSION
PRADHAN MANTRI JAN-DHAN YOJANA (PMJDY):
As on 31st Mar'22, Bank is having 185 lakhs PMJDY accounts.
The balance in PMJDY accounts was at 7609 Cr as on
Mar 31, 2022 as against 6779 Cr a year ago having a growth
of 12%.
RuPay cards have been issued to 109.76 lakh (60%) account
holders under PMJDY. Bank has sanctioned overdraft to
7.05 lakhs eligible PMJDY account holders
Social Security Schemes:under.
No. of Enrolments March’21 March’22 YOY
in lakhs Growth
APY 19.31 24.96 29.26%
PMJJBY 26.59 30.24 13.73%
PMSBY 72.97 80.14 9.83%
· Under PMJJBY, 16672 claims and PMSBY 3947 claims
were settled. The Settlement ratios are 94.80% and
97.90% of PMJJBY and PMSBY respectively.
(i) BANCASSURANCE & MUTUAL FUND 5. BRANCH NETWORK AND EXPANSION

Bank has earned income of 85 Cr through Bancassurance Branch network of the Bank stood at 5732 branches as on
business in FY22 as against 64 Cr in FY 21. 31.03.2022, comprising of 1938 Rural, 1498 Semi Urban,
1159 Urban and 1137 Metropolitan branches. Apart from the
Bank under Corporate Agency Arrangement has partnered above, the Bank has 3 overseas branches viz., at Singapore,
with 7 Insurance partners, 3 under Life, 3 under Non-life and 1 Colombo, Jaffna and an IFSC Banking Unit (IBU) at Gift City,
under Health detailed as under. Gandhi Nagar, Ahmedabad.
Vertical Partner During FY 22, the Bank had expanded its branch network by
Life Insurance LIC of India opening 21 branches including 6 branches opened in
SBI Life Insurance Co. Ltd. Unbanked Rural Centres (URCs),1 in Left Wing Extremist
Aditya Birla Sun Life Insurance (LWE) district and 1 in North-Eastern (NE) State of Manipur.
Co. Ltd. Further, towards consolidation of banking outlets, 88 branches
Non-Life Insurance United India Insurance Co. Ltd. were rationalized during FY 22, taking this number to 291 post
(UIIC) amalgamation.
Cholamandalam MS General As at the end of the year 2021-22, the Bank has 555 branches
Insurance Co. Ltd.
in the List of 90 Left Wing Extremist (LWE) districts identified
Universal Sompo General by Reserve Bank of India.
Insurance Co. Ltd.
Health Insurance* Niva Bupa Health Insurance 6. TRANSFORMATION
Co. Ltd.
(*Apart from Niva Bupa, bank also distributes Health DIGITALISATION INITIATIVES
Insurance products of all General Insurance partners) Bank upholds digital transformation as the biggest enabler for
quality customer service and with a mission to bring the best of
Bank is also offering Credit Life Insurance & Loan Cover
innovation & technology in its offerings and be responsive to
through following partners:
the unique needs of every customer through all channels of
Partner For Portfolio choice
Kotak Mahindra Life Home Loan & Education
Bank has embarked on a Digital Transformation journey
Loan
named Project WAVE (World of Advanced Virtual Experience)
TATA AIA (Since Discontd.) Home Loan on 10.01.2022 covering a gamut of transformation enablers.
Only claim settlement for Bank has on-boarded M/s Boston Consulting Group as
previous loans knowledge partner in this transformation journey.
PNB Metlife Education Loan
Bank has launched its maiden end to end digital Pre-approved
Aditya Birla Sun Life Home loan & Clean loan Personal Loan (PAPL) product in April 2022, offering the
LIC Griha Jeevan & Jeeva Home Loan & facility to avail loan through digital channels to its existing
Vidhya (Since Discontinued) Education Loan customers. Bank is also in the process of providing more such
Only claim settlement for seamless digital journeys (automated and straight through
previous coverage. process) for underwriting aimed at customer convenience.

Mutual Fund Distribution

Independent tie-up arrangement with 9 Asset Management

Companies (AMCs)

M/s. UTI AMC Reliance Nippon SBI Mutual Fund

Co Ltd AMC
DSP Mutual Fund Tata Mutual Fund Principal PNB
AMC
Kotak Mahindra Franklin Templeton Essel Finance
AMC AMC AMC
Bank has a tie up with M/s FISDOM for distribution of Mutual
Fund through digital platforms.

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First Digital Lending journey of Pre-approved Personal Loan
launched on 28.04.2022 with instant disbursement in 3 Clicks.
The product has received immense response and adulation
from customers.
7. CREDIT MONITORING
· Credit Monitoring commences from scrutiny of sanctions
covering the entire loan lifecycle. It starts immediately
after disbursal and SMS post disbursal and Pre-Default
is sent as a gentle reminder to the customer(s). Call
Centre follow-up and implementation of SI/NACH
Mandate is undertaken. The daily Early Warning
Signals, Monthly CRM (Credit Relationship Manager)
Reports and follow-up of SMA accounts starting from
SMA-0 stage keeps the asset quality healthy. Nearly
12000 to 15000 EWS alerts generated are analysed and
immediate rectification measures undertaken.
· Collection efficiency has improved from 88% last year
(March-21) to 95% as on March-22.
8. ASSET QUALITY MANAGEMENT
· Asset quality of Bank has improved as reflected through
GNPA of 8.47% as on Mar' 22 against 9.85% as on
Mar'21 and Net NPA ratio of 2.27% as in Mar'22
improved from 3.37% as of Mar'21
· The Provision Coverage Ratio of the Bank as of Mar 22
was 87.38% which has improved from 82.12% as of
st
31 Mar'21
· Bank has made recovery of `1087 crore during FY22
from NCLT admitted accounts
· Under the SARFAESI Act, during the year, 601
properties were sold with sale price of `492 Cr.
· Bank actively participated in all National Lok Adalat and
also organized various Lok Adalats at Mandal Level.
- 242 -
33891 accounts were settled with settlement amount of
`547 Cr
· From Bad Debts Written off accounts, an amount of
`1611 Cr was recovered during the year.
9. RISK MANAGEMENT
Credit Risk:
Risk Management Systems are in place to identify and
measure the risks at the early stage and manage them by
setting and monitoring prudential limits besides taking other
corrective measures. This is done through credit risk
management framework that allows credit risk to be tracked,
managed and overseen in a timely and efficient manner.Credit
risk framework includes the Credit Risk Management policy
and Credit policy.
Credit Review Framework
Bank has adopted the Credit Review Framework, which
involves credit risk assessment and risk categorisation of the
credit proposals into Low, Medium, High risk and No-Go based
upon quantified risk scoring matrices embedded in seven
broad parameters namely Borrower, Promoter and Group
entities, Activity/Industry, Security Coverage, Conduct of
facilities, Ratings and Compliance position along with
subjective risk parameters.
Asset Liability Management:
Asset Liability Management allows the Bank to measure and
monitor risk exposures which may arise both from liquidity and
interest rate risk on its balance sheet.
Asset Liability committee (ALCO) of the Bank periodically
takes a review of the assets and liabilities of the Bank.
Market Risk Management:
Market risk is the possibility of loss on account of changes in
the market variables. The objective of market risk
management is to assist the business units in maximizing the
risk adjusted rate of return by providing analytics driven inputs
regarding market risk exposures, portfolio performance vis-à-
vis risk exposures and comparable benchmarks.
Operational Risk:
Operational risk is the focus of intense interest among industry
participants, regulators and other stake holders. Bank has put
in place Operational Risk Management Framework (ORMF)
and Operational Risk Management Systems (ORMS) to
ensure effective governance, risk capture, assessment and
quantification of operational risk exposure. Operational risk is
well managed by using appropriate qualitative and
quantitative methods and established internal control systems
in day to day management processes and adopting various
risk mitigating strategies. The risk perceptions in various
products/processes are critically analysed and corrective
actions, if required, are initiated.
Bank has put in place frameworks for Risk Control Self
Assessment (RCSA) and Key Risk Indicators (KRIs). Risk and
control self-assessment is used to identify key operational risk
and assess the degree of effectiveness of the internal controls.
Risk officers have been designated in each zone and Field
General Manager's Office to act as a Nodal officer for
coordinating with Risk Management Department to support
and manage various types of risk emanating from business
units.
Basel III Capital Regulations:
The Basel III Capital Regulations became effective in India
st
since 1st April, 2013 and fully implemented since 1 October,
2021. Common Equity Tier 1 Capital of the Bank is 12.53 %,
Additional Tier 1 at 0.64% and Total Capital Adequacy Ratio
stand at 16.53%
Bank has adequate headroom to raise capital in all forms in
case of need.
The Basel III capital rules also require an enhanced set of
disclosures on the components of Capital Adequacy Ratio
(CAR) which are published on quarterly basis on Bank's
website. Bank is also disclosing leverage ratio, Liquidity
Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR).
A holistic capital conservation module is developed by the
Bank for monitoring and taking corrective action towards
capital conservation.
Recruitment Drive
Bank has recruited 308 employes during the FY 2021-22
Welfare measures for SC/ST/OBC/PWD employees
As per Government of India's guidelines, reservations are
provided to Scheduled Castes (SCs), Scheduled Tribes (STs),
Other Backward Classes (OBCs) and Persons with Disability
(PWD) candidates in Direct Recruitment. Reservations for
SC/STs in promotions are provided as per Government
guidelines.
The SC/ST Welfare Cell/Reservation Cell at CO/HRM ensures
prompt disposal of grievances/ representations (if any) of
SC/ST employees. General Manager level officer is
functioning as Chief Liaison Officer (CLO) to look after the
interest of employees belonging to SC/ST and another GM is
functioning as CLO for OBC employees.
HR Initiatives during the year:
· New HRMS portal, Phase I launched in Dec-21 with
18 modules, Phase II will be launched shortly. Phase I
consists of the major modules like CORE HR,
Attendance, Payroll, PF, Pension and settlement etc
· New Age Performance Management System (PMS)
introduced with an aim to periodical assessment of
performance with interactive dashboard and robust
Individual development plan
· Health Care tie up with M/s. Practo for free online Doctor
consultation for serving and retired staff members :
41108 enrolled
11. HUMAN RESOURCE DEVELOPMENT

10. HUMAN RESOURCE MANAGEMENT Details of internal trainings conducted during the period April
2021 to March 2022:
Manpower Position
Sl. Type of training No. of No. of
The position of manpower in the Bank as on 31.03.2022 is as No. Programs Participants
follows:
1 Training imparted through 54 7136
Category Total OBC SC ST Male Female Self learning portal
‘e-Pathshala’
Officers 24246 6693 4731 1994 17565 6681
2 Online training from home 398 18188
Clerks 12577 3724 2746 650 8093 4484
3 Online training from 414 11605
Sub Staff 2616 537 1286 144 2249 367 workplace
Full Time 295 33 223 15 225 70 4 Class Room / Physical 76 2069
Sweepers* Training

Total* 39734 10987 8986 2803 28132 11602 5 Capsule Programs / 713 20835
Webinars
(* Domestic excluding Part Time Sweeper)

- 243 -
· During the period FY 22, 1443 Executives/Officers have
participated in training / webinar conducted by external
institutes like CAB, IDRBT, CAFRAL, NIBM, FEDAI,
ISACA, IIM and SBIL.
· Eight Executives have undergone the Leadership
Development programme through Banks Board Bureau
(BBB)/ IIM Bangalore during FY 22.
· Leadership Development Program was conducted for
the top performing Executives through SBIL, Kolkata for
173 AGMs & 83 DGMs.
· Competency Assessment by Behavioural Competency
Mapping was conducted through M/s Deloitte for the 123
Executives in the rank of DGMs and AGMs and
Individual Development Plan (IDP) was shared with all
the Executives.
· Focused program on ASBA Operations were conducted
covering 5272 Officers
· Program on Communicative Tamil was conducted in
collaboration with Madras University for 160 Senior
Executives / Officials in order to make the employees
(posted in TN) be familiarised in the local language. In
house programs were conducted for executives/
Officials of Corporate Office/ Branches.
· Eight Officers underwent the immersion programme
consisting of 275 hours spread over 10 Months. The
programme was conducted by IIBF in collaboration
with Indian Institute of Management (IIM), Calcutta.
12. CUSTOMER SERVICE
Bank is launching various products & services from time to
time to meet the customer needs and to improve the level of
customer satisfaction.
Modes of Grievance Redressal
· Integrated Call centre available 24X7 with Toll free
number 180042500000.
· Customers can lodge complaint through e-mail to mail ID
viz: Customercomplaints@indianbank.co.in
· All the complaints received through Branches/Zones/
CO, if not resolved within 24 hours are registered in the
Customer Grievance Redress System (CGRS).
- 244 -
Appointment of Internal Ombudsman
· An Internal Ombudsman has been appointed to
strengthen the Internal Grievance Redressal
Mechanism
· All complaints where the resolution is either negative or
partial are internally escalated to the Internal
Ombudsman of the Bank for necessary action.
Customer service initiatives
· E Lounges opened at various centres to provide 24x7
Customer Service
· Special counters for senior citizens are opened where
the number of pensioners is more.
· Bank has prepared short duration videos on the products
offered by the Bank and uploaded on the social media for
the benefit of customers.
· A dedicated session on customer service included in all
the training programs / workshops held at Bank's training
centres for improving the customer service and handling
the customer complaints. A new Soft skill program has
been devised for front line staff members to handle the
customers in a polite manner.
RIGHT TO INFORMATION (RTI) Act 2005
· RTI Cell under Customer Service Department at
Corporate Office is handling the applications, first
appeals & second appeals. Central Information
Commission (CIC) link for filing of RTI applications is
made available in the Banks' website. All the
Applications are disposed within the stipulated time
period
13. DIGITAL JOURNEY
· Bank has a network of 3180 ATMs, 1745 BNAs, 1969
Passbook Kiosks across the country as on 31.03.22.
· Transactions through Digital channels have increased
by 17% YoY.
Digital Offerings
· Bank has implemented full-fledged Data Analytics
solution for lead generation, cross selling of Retail &
MSME loan products.
· Lead received through various channels like ATM,
website, MB, Chatbot, social media are integrated with
Lead Management System (LMS) for effective
monitoring and conversion of same into business.
· Integrated with National Portal for credit linked Govt.
Schemes for processing of loan applications received
online.
· TAB Banking and Video KYC launched for ease of
instant account opening and customer acquisition.
· Video Life Certificate for pensioner through Video KYC.
Internet Banking
· Bank has integrated BBPS in Internet Banking Channel
where Customer can pay bills without going for
registration of Biller.
· The feature of Hotlisting of Debit cards and request for
reissuance of card has been enabled in Internet banking
· Legal Entity Identifier (LEI) in NEFT /RTGS transaction is
implemented in Internet Banking to improve the quality
and accuracy of financial data reporting systems and for
better risk management.
· New E-filing website (ITR E-filing 2.0) of Income tax
department has been integrated through Net Banking.
· Account Home branch change facility enabled.
· IMPS facility for Corporate Customer introduced.
Mobile Banking
· Transfer of home branch change for SB account, ATM
card Hot listing, Change/ Update Email ID introduced in
IndOASIS
· Positive Pay System in IndOASIS has been introduced
to confirm the cheque details so that the high value
cheques can be processed when it is presented to bank
as mandated by RBI. This has been introduced to stop
the fraudulent activities through cheques.
· Generation of MPIN through Branch is enabled to
facilitate the customer to onboard into Mobile Platform
instantly.
DigiLocker services
· E-Passbook front page with Branch details, Personal
details & QR code can be generated and issued in
Customer's DigiLocker Account.
· Interest Certificate can be generated through DigiLocker
for Term Deposit Accounts.
· Account Statement can be generated through
DigiLocker for Savings & Loan Accounts.
- 245 -
ATMs& BNAs
· Implemented Interoperability Cash Deposit facility in
BNA.
· Bank has customized ATM switch to detect “Man in the
Middle” attack in the ATMs to minimize the risk
associated with it.
· Cash and Denomination availability is displayed in ATM
screen before transaction is enabled in Bank's
ATM/Cash Recyclers.
Debit/Credit Card
· Introduced EMI facility in Credit Cards to reduce the
financial strain to the customers and to reduce the
number of delinquent account.
· Introduction of V-collect in credit card due payments for
speeding up the payment settlement process.
· New Health Card product "IB-Suraksha” launched.
· Issuance of Contactless (NFC) VISA credit cards to the
customers.
· EFRM Integration for Debit Card transaction
implemented.
· Card on File Tokenisation has been made live for NPCI
and MasterCard.
Merchant Acquisition
· UPI Prepaid Voucher Redemption Module Mobile App
(e-Rupi) launched
· Introduction of SoftPOS - mobile application-based
solution enables merchants to accept cash, card, QR
and UPI transaction on their own mobile phone
· Introduction of PoS payment Kiosk solution- allows
customers to experience totally a contactless payment
service.
· Introduction of Android PoSIn app billing Solution.
· Bank has integrated the treasury collection under
Integrated Financial Management System (IFMS)
Odisha Treasury and IFHRMS of Tamil Nadu.
FASTag
· FASTag recharge Mobile App launched for retail
customers.
· FASTag for Corporate Customers launched.
PFMS
Under PFMS module, onboarded the following;
· TN Agri DBT Transfer - Developed Portal for Direct
Benefit transfer of relief funds via NPCI for TN Agriculture
Department
· PFMS EPA (Electronic Payment Advice) – Payment
through Corporate Net Banking enabled
· New Software has been implemented for managing
Centrally Sponsored Schemes - Single Nodal Account
(CSS-SNA)
· Intra Fund Transfer facility enabled in CPMS (Non PFMS
Bulk payment system).
RRBs
· Green PIN facility has been implemented for Debit card
of RRBs.
· Introduction of POS to RRBs
14. INFORMATION SYSTEM SECURITY
· Bank's Information System & Security processes have
been certified with ISO 27001:2013 standard.
· Bank has already put in place a Cyber Security
Operation Centre (C-SOC) which consists of various
leading security solutions and the C-SOC is monitored
24*7.
· Bank has a dedicated team under Chief Information
Security Officer (CISO) to monitor the security
operations 24/7.
· A dedicated team is also formed under IT Dept which
look after the implementation of various cyber security
solutions. The solutions are designed to protect the data,
network and servers in a proactive way.
· Employees are also provided with training on Cyber
Security to make them aware of the recent cyber attack
strategies and mitigating such incidents.
· Customer awareness has been strengthened by
sending SMS's to customers on latest cyber threats.
Awareness messages are published on Social Media
too.
· Bank has also empaneled “Forensic experts”, to conduct
forensic investigation, if any, is triggered due to any
cyber security incidents.
- 246 -
· Bank is giving high priority for the guidelines/advisories
issued by RBI and adhering compliance on the
observations made on regulatory audits conducted by
RBI.
15. PREMISES
· As the part of the green initiatives, majority of payments
to vendors, suppliers etc. are made through electronic
channel, viz., direct credit / NEFT / RTGS.
· Corporate Office of the Bank at Chennai is under Green
Building (Gold Rating Status).
· Bank has implemented 93 KWP Solar Power Plant for
IMAGE Auditorium, 106 KWP Solar Power Plant for
Head Office/ Krest Building / Corporate Office and 115
KWP Solar Power Plant for 11 branches across Chennai
city.
· LED lamps have been installed in newly opened
branches. In existing branches, lamps are being
replaced with LED in a phased manner.
· Energy Audit is being conducted periodically for
branches and offices.
16. INTERNAL CONTROLS
INSPECTION
· Risk Based Internal Audit encompasses all branches
and business units.
· 969 branches have been covered under concurrent
audit covering 70.09% of domestic advances, in addition
to all Specialised Verticals and select Departments of
Corporate Office.
· Revenue Audit was carried out in all branches on a half
yearly basis to identify leakage of income.
· Management Audit was conducted in 78 Zonal Offices,
14 FGMOs, 34 CO: Departments & 14 Inspection
Centres and 2 RICs during FY 22.
· Information System Audit, Vulnerability Assessment and
Penetration Testing of post amalgamation IT
infrastructure were carried out by an external audit firm
during the period of review.
· Offsite monitoring software has been implemented to
raise 30 types of alerts to branches.
· Regular training programmes are conducted for
Inspectors for upskilling.
FRAUD RISK MANAGEMENT:
· Enterprise Fraud Risk Management Solution (EFRMS)
has been implemented to prevent transaction related
frauds.
· E-Training program on Fraud Risk Management has
been uploaded on e- Pathshala portal for creating
awareness on Fraud Risk Management.
Implementation of Know Your Customer (KYC)/ Anti-
Money Laundering (AML) guidelines:
· Bank has put in place a well-defined KYC-AML-CFT
(Combating the Financing of Terrorism) Policy, which is
the foundation on which the Bank's “implementation of
KYC norms, AML standards, CFT measures and
obligation of the Bank under Prevention of Money
Laundering Act (PMLA) 2002”.
· For effective Customer Name Screening against major
Watch Lists, Bank has integrated World Compliance
Data feed provided by M/S Lexis Nexis with its AML
application.
· Bank has incorporated the alert scenarios prescribed by
FIU-IND in the AML application along with optimized and
rationalized threshold values.
· Customer risk categorization process has been shifted
to a dynamic & more efficient model integrated with CBS.
17. COMPLIANCE
Bank's Compliance Policy has been duly approved by the
Board. In accordance with the Reserve Bank of India
guidelines, an independent Compliance Department headed
by General Manager& Chief Compliance Officer has been set
up in the Bank. The Department monitors adherence to
various statutory and regulatory guidelines governing the
Bank's functioning
18. VIGILANCE
Vigilance department is responsible for the vigilance
administration in the Bank. The department is the single point
of contact for consultations with CVC on vigilance matters.
Vigilance department is headed by Chief Vigilance Officer
(CVO). CVO is the Nodal Officer to liaise with CVC, GOI, RBI,
external investigating Agencies like CBI, in respect of vigilance
related matters of the Bank.
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The Vigilance department in the Bank is functioning in a
proactive manner, with main focus on-
· Preventive vigilance initiatives,
· Suggesting systemic improvements to the Bank's
administration,
· Close monitoring to ensure conduct and completion of
vigilance-related disciplinary cases by the respective
Disciplinary Authorities in line with the CVC guidelines
· Conduct of Vigilance Inspection of branches identified
for the Financial Year and
· Conduct of investigation of complaints having vigilance
overtone and frauds, through Field Vigilance Units /
Zonal Offices.
Preventive Vigilance initiatives during the year:
Campaigns undertaken
· Special Campaign for Scrutiny of Vehicle Loan
Portfolio was conducted in the month of October 2021.
· Special Campaign for Scrutiny of Jewel Loan
Portfolio and Mudra loans was conducted between
31.01.2022 and 05.02.2022
· The findings of these campaigns were shared with all the
branches for awareness and improvement.
Important Developments:
· Field Vigilance Units (FVUs) have been established at
14 locations where Inspection Centres are functional.
These FVUs will directly report to Chief Vigilance Officer
(CVO) of the Bank. The key responsibilities of FVUs
include investigation into complaints having vigilance
angle and instances of fraud, restudy in large value
accounts, conducting surprise vigilance inspection at
branches, liaise with CBI / local Police etc.
Vigilance Awareness Week 2021:
Vigilance Awareness Week (VAW 2021) was observed from
26/10/2021 to 01/11/2021 with the CVC prescribed theme
““Independent India @ 75, Self-reliance with Integrity”
–“Lora=kjr@ 75% lR;fu"BklsvkRefuZjrk”(Swatantra Bhaarat @
75, Satyanishtha Se Athmanirbharata).
19. SECURITY
· All the branches are equipped with state-of-the-art
Electronic Burglar and Fire Alarm systems, High
Definition DVR / NVR based CCTV solutions.
· Vital installations like Server Rooms, DR Sites are
provided with Automatic (Modular) Clean Agent based
Fire Extinguishers / Gas based Fire Suppression
Systems and Branches / ATMs are equipped with
sufficient Fire Extinguishers to mitigate fire hazards.
· GPS based Tracking devices are installed in Cash Vans.
· 24 x 7 Electronic Surveillance (E-Surveillance) with
centralized monitoring is implemented in Banks owned
ATMs across the country.
20. MARKETING:
Brand Building Activities on Social Media
· Bank's Official Facebook, Twitter, YouTube, Instagram,
LinkedIn channels were managed and product
promotion and information dissemination was done on
Social media channels. Specific content was developed,
promoted on social media channels related to field
activities, commemorative days, occasions and Bank's
achievements. Interactive GIFs and Video Posts were
created for Instagram, Facebook story post and Festival
wishes.
Digital Signage
Bank has procured Digital Signage Solutions to provide
information to customers on Bank's Products and offer an
electronic display in select branches. The units display content
on bank's products, offers available, safety tips, launches, etc,
which are both customer-oriented as well as staff-oriented.
The advantage of the digital signage is its ability to relay
updated information on a near real-time basis. At present, 943
signages have been installed across PAN India in select
branches / offices.
AI-Chatbot
ADYA is a web based chatbot that is integrated in the Bank
website as an additional mobile-friendly customer interface for
answering customer queries on content available on the
CSR Highlights:
Several CSR activities were carried out during FY22 including support to hospitals in various parts of India in responding better to the
current COVID challenge and future requirements
Shri S L Jain, MD&CEO handed over the keys of the
ambulance to Dr Manoj Kumar H V Dean & Director, Shri Atal
Bihari Vajpayee Medical College and Research Institute,
Bengaluru.
- 248 -
Bank's website. The chatbot is built on advanced Natural
Language Processing algorithms, to understand banking
queries in normal conversational language (currently English)
by the customer.
Event Management / Campaigns:
Felicitation of Tokyo Paralympic 2020 Winners:
Bank had signed a MoU with Paralympic Committee of India to
become one of the Banking Partners ahead of the Paralympic
Games, Tokyo 2020. Post the Games, Bank organized a
felicitation ceremony for the winners on 23.10.2021 at IMAGE,
Chennai.
21. Corporate Social Responsibility (CSR):
· CSR initiatives of the Bank extended beyond banking
and lead it to honor ethical values and respect people,
communities and the natural environment.
· As a strong responsible Corporate, Bank is taking up
various initiatives for the benefit of the society with the
commitment to serve the people of India and worked to
reach out to the needy and marginalized population
through its pillars of CSR as follows:
· Gender Equality and Women Empowerment
· Inclusive Growth
· Green Initiative and Environmental sustainability
· Financial Literacy & Enhancing vocational skills
· Specific needs of the Senior Citizens
Shri S L Jain, MD & CEO handing over the ambulance to The
Gujarat Medical Education Research Society
Blood Donation camp conducted at Corporate Office Sponsoring of table & chairs, note books and stationery items
associated with VHS, Chennai as part of Azadi Ka Amrit to Chennai Public Higher Secondary School, Alwarpet,
Mahotsav Anchor month. Chennai.

Distribution of essential items to Hope Psychiatric Bank has planted saplings at the garden of Chennai Public
Rehabilitation Shelter for Women at Egmore, Chennai. Higher Secondary School, Alwarpet, Chennai. This garden is
being maintained by the Bank.

Ambulance to Indira Gandhi Institute of Medical Science, Hon'ble Chief Minister of Uttar Pradesh Shri Yogi Adityanath
Patna flagged off by Shri.Imran Amin Siddiqui, Executive flagged off three ambulances donated by Bank under CSR
Director.

- 249 -
Shri Sujay Mallik, FGM, Meerut handed over ambulance keys Sponsorship of TABS to meritorious students of Z P School,
to St. Luke's Hospital, Saket, Meerut. Nashik District under CSR activity

Ms Padmaja Chunduru, the then MD & CEO of Bank handed Shri. H.S. Ahluwalia, FGM, Kolkata handed over a cheque to
over a cheque to Shri M K Stalin, Hon'ble Chief Minister, Govt Chief Secretary, Govt of West Bengal for Covid-19 Relief
of Tamil Nadu for Covid-19 Relief Measures to the Chief Measures to the Chief Minister's Public Relief Fund
Minister's Public Relief Fund

Zonal Office Puducherry executives handed over a cheque to Zonal Office Guwahati executives handed over a cheque to
Hon'ble Chief Minister of Puducherry Mr. Rangasamy, in Hon'ble Chief Minister of Assam Dr.Himanta Biswa Sarma at
presence of Health Secretary Dr. Arun IAS CMO, Assam Secretariat on 29.06.2021

- 250 -
Visakhapatnam Zone planted the Saplings at Zilla Parishad Ernakulam Zone planted the saplings at Government Higher
EM Govt. School, Gajuwaka Secondary School for Girls, Ernakulam

Shri. Mahesh Kumar Bajaj, General Manager, and Shri. Ashok Patna Zone distributed the medical equipment to Indira Gandhi
Patnaik, FGM Chandigarh handed over Keys of Tata Winger Institute of Medical Science, Patna
Scholl 18 Seater SCV to Tapan Rehabilitation Society,
Nilokheri, Karnal

Guwahati Zone distributed the essential items to patients of Udaipur Zone sponsored fans to Janjati Vibhag, Udaipur
Sacred Heart Palliative care centre, Guwahati

- 251 -
22. SPORTS
Para shooting:

Ms. Pooja Agarwal (Senior Manager) participated in the 2nd National Para shooting Championship held at Delhi 2022.

Hockey:

Banks hockey team won the State level tournament held at Tirunagar, Madurai from 7-12 February 2022 – and finished Runner-up

Badminton & Cricket:

Inauguration of new synthetic badminton court at IMAGE, Winners - Bank's Cricket team won the All-India T-20 Cricket
Chennai on 06.03.2022 by MD & CEO Shri S L Jain Tournament held at Kadapa from 17-21 February 2022 for the
CM T-20 Cup at YSRR- ACA Cricket stadium, Kadapa

- 252 -
Indian Bank Executive Cricket Tournament held at M A Indian Bank Executive Cricket Tournament -Winners
Chidambaram Stadium, Chepauk, Chennai on 23.10.2021

23. OFFICIAL LANGUAGE CELL

Bank is taking all-out efforts for the smooth and effective implementation of Official Language. Bank has shown good performance in
the area of Official Language Implementation.

24. AWARDS & ACCOLADES

a) SHGs

(b) Financial Inclusion:

· In APY, Bank bagged 2ndposition in PFRDA in terms of annual APY performance with 96 Average Accounts Per Branch (AAPB)
and awarded “Annual APYAward for Excellence” for FY 2021-22 having achieved 137% of target.

· In APY Leadership campaign for MD & CEOs of the Banks from 03/01/2022 to 17/02/2022, Bank achieved 271% of target and
qualified for “Exemplary Diamond Award” and “NUMERO UNO Award” by PFRDA.

- 253 -
l Bank ranked No.1 and was awarded “Par Excellence” for Amazing Achievers of APY 2.0 campaign of PFRDA for FY 2021-22.
Amongst all PSB branches, the first three positions in the Industry was won by our Bank branches i.e. Gola Gokarn Nath, Baberu
and Mankapur.

(c) Official Language:

l During the year Bank's in – house Hindi magazine “Ind – Chhavi” and erstwhile Allahabad Bank have been conferred with the
'Rajbhasha Kirti' Puraskar by the Government of India taking the tally of Rajbhasha Kirti Puraskar to 2.

Executive Director receiving “Rajbhasha Kirti” award for “Ind Chhavi”, Hindi home magazine of Indian Bank

- 254 -
25. REGIONAL RURAL BANKS:

· The Bank has three sponsored Regional Rural Banks viz, Tamil Nadu Grama Bank (TNGB) headquartered at Salem (Tamil
Nadu), Saptagiri Grameena Bank headquartered at Chittoor (Andhra Pradesh), and Puduvai Bharathiar Grama Bank
headquartered at Puducherry (Union Territory of Puducherry).

· In respect of three RRBs, the branch network has increased by 8 from 909 (March 2021) to 917 Branches (March 2022). The
total business of the three RRBs was 54121Cr as of March 2022 as compared to 47744 Cr as of March 2021 (YoY growth of
13.36%).

l All the three are profit making RRBs.

(` in Cr)
31.03.2022 No. of Deposits Advances Business Net Net NPA CRAR
Branches Profit % %
Tamil Nadu Grama Bank
(unaudited) 644 17093 17618 34711 232 0.11 12.74
Saptagiri Grameena Bank 229 9107 8346 17453 201 0 15.19
Puduvai Bharathiar Grama
Bank 44 1024 933 1957 10 0 10.57
Total 917 27224 26897 54121 443 – –

l RRBs are actively participating in PMJDY, PMJJBY, PMSBY and APY programmes of Govt. of India. The three RRBs are
covering 1210 SSA villages under PMJDY and have opened 10.05 lakh accounts under the scheme. The RRBs have also
covered 9.63 lakh beneficiaries under PMSBY, 4.93 lakh beneficiaries under PMJJBY and 1.59 lakhs under APY Scheme

- 255 -
 Business Responsibility Report – 2021-22
Reg 34 of SEBI (LODR) Regulations, 2015

Section A : General Information about the Company

1. Corporate Identity Number: Not Applicable
(CIN) of the Company
2. Name of the Company Indian Bank
3. Registered Address 66, Rajaji Salai, Chennai 600 001
4. Website www.indianbank.in
5. Email ibinvestorrelations@indianbank.co.in,
investors@indianbank.co.in
6. Financial Year Reported 2021-22
7. Sectors that the Company is engaged in Banking & Financial Services
(industrial activity code-wise)
8. List of 3 key products/services that the manufacturers Deposit Products, Loan Products and Remittances etc.
provides (as in Balance Sheet)
9. Total number of locations where business activity
is undertaken by the Company
No of Locations
I. National 5732 Domestic Branches;
II. International 3 Overseas Branches in Singapore, Colombo & Jaffna
and an IFSC Banking Unit (IBU) at Gift City, Gandhi Nagar,
Ahmedabad as on 31.03.2022.
10.Markets served by the Company-Local/State/National/ The Bank has branches in 29 states and 6 UTs and
International International presence in Singapore and Sri Lanka

Section B: Financial Details of the Company

1) Paid up Capital (INR) `1245.44 Crore
2) Total Turn Over (INR)/Revenue `45,771.67 Crore
3) Total profit After Tax(INR) `3944.82 Crore
4) Total Spending on Corporate Social CSR spending is not mandatory for PSBs. However, Bank has spent
Responsibility (CSR) as percentage `493.54 Lakh
of Profit after Tax (%)

5) List of the activities in which Sl. No. CSR activity Amount (` in Lakh)
expenditure on 4 above has been 1. Inclusive Growth 117.28
incurred
2. Financial Literacy & Enhancing 66.86
Vocational Skills
3. Green Initiatives and Environmental 21.03
Sustainability
4. Gender Equality and Women 1.73
Empowerment
5. Health and Wellness, Specific needs of the 286.64
senior citizens
Total 493.54
Note: The Amount spent by INDSETI / RSETI by FI / RBD not included in
this report.

- 256 -
Section C: Other Details

Yes.
1. Does the Company have any Subsidiary Company /
1) Indbank Merchant Banking Services Ltd.
Companies
2) Ind Bank Housing Ltd.

2. Do the subsidiaries implement : BR initiatives of the

parent company, if Yes, then indicate the number of such No, Both the subsidiaries of the Bank are listed entities.
subsidiaries

3. Do any other entity / entities (e.g., suppliers, distributors

etc.) that the Company does business with, participate in
the BR initiatives of the Company? If yes, then indicate
No
the percentage of such entity / entities? (Less than 30%,
30%-60%, more than 60%)

Section D: BR Information

1. Details of Director/ Directors responsible to BR

I. Details of the Director/ Directors responsible for implementation of the BR policy/policies

DIN Number Not Applicable

Name Shri Ashwani Kumar

Designation Executive Director

II. Details of the BR head – as below

Sl. No Particulars Details

1 DIN No (if applicable) Not Applicable

2 Name Shri Sujit Kumar Dey

3 Designation General Manager - RMD / CRO

4 Telephone No. 044 - 28134566

5 e-mail-id deysujitkumar@indianbank.co.in

- 257 -
2. Principle-wise (as per NVGs) BR Policy / Policies: (Reply in Y / N)
(a) Details of compliance (Reply in Y / N):

Inclusive growth
Business Ethics

Human Rights
Responsibility

Well being of

Engagement

Public Policy
Environment
Stakeholder
Employees

Customer
relations
Product
Sl No.

Questions

P1 P2 P3 P4 P5 P6 P7 P8 P9
1 Do you have a policy/policies for Y Y Y Y Y Y Y Y Y

2 Has the policy been formulated in Y Y Y Y Y Y Y Y Y

consultation with the relevant
stakeholders?

3 Does the policy confirm to any Y Y Y Y Y Y Y Y Y

national / international standards? If
yes, specify? (50 words)

4 Has the policy been approved by the Y Y Y Y Y Y Y Y Y

Board? If yes, has it been signed by
MD / Owner / CEO / appropriate
Board Director

5 Does the company have a specified Y Y Y Y Y Y Y Y Y

committee of the Board / Director /
Official to oversee the
implementation of the policy?

6 Indicate the link for the policy to be

viewed online? www.indianbank.in

7 Has the policy been formally Y Y Y Y Y Y Y Y Y

communicated to all relevant
internal and external stakeholders?

8 Does the company have in-house Y Y Y Y Y Y Y Y Y

structure to implement the policy /
policies?

9 Does the company have grievance Y Y Y Y Y Y Y Y Y

redressal mechanism related
address stakeholders’ grievances
related to the policy / policies?

10 Has the company carried out

Y Y Y Y Y Y Y Y Y
independent audit / evaluation of the
working of this policy by internal or
external agencies?

- 258 -
(b) If the answer to S. No. 1 against any principle is ‘No’, please explain why: (Tick up to 2 options)

Sl No. Questions P1 P2 P3 P4 P5 P6 P7 P8 P9

1 The company has not understood

the Principles

2 The company is not at a stage where

it finds itself in a position to formulate
and implement the policies on
specified principles

3 The company does not have NA

financial or manpower resources
available for the task

4 It is planned to be done within next

6 months

5 It is planned to be done within next

1 year

6 Any other reason (Please specify)

3. Governance related to BR
§ Indicate the frequency with which the Board of § As the Business Responsibility encompasses a whole spectrum
Directors, Committee of the Board or CEO to assess of Banking, Department relevant Policies are framed/ renewed
the BR performance of the company. individually and approval of Board obtained.

§ Does the company publish a BR or a Sustainability § Business Responsibility Report forms part of Annual Report and
Report? What is the hyperlink for viewing this report? made available on Bank’s website, www.indianbank.in.
How frequently it is published? § It is published Annually as part of Annual Report.

Section E: Principle-wise-performance
Principle 1: Business should conduct and govern themselves with Ethics, Transparency and Accountability

1. Does the policy relating to ethics, bribery and
corruption cover only the company? Does it extend
to the group/ Joint Venture/ Suppliers/ Contractors/
NGOs/ Others?
l “Citizens’ Charter of Indian Bank” provides key information on
various facilities/services provided to customers in the branches
of the Bank
l Citizens’ Charter together with the code is ensuring high
standards of accountability, responsibility, and transparency in
the Bank’s dealings with customers.

l In February 2006, Reserve Bank of India set up the Banking

Codes and Standards Board of India (BCSBI) as an independent
autonomous watchdog to ensure that customers get fair
treatment in their dealings with Banks.

l The BCSBI has published the “Code of Banks’ Commitments to

Customers-January 2018” and “Code of Commitment to Micro
and Small Enterprises – August 2015” which set out minimum
standards of banking practice and benchmarks in customer
service for banks to follow.

- 259 -
 l Bank is a member of BCSBI and has therefore, voluntarily
adopted the above Codes as its Fair Practice Code in dealing
with its customers.
l Code of commitment to customers has been placed to the
Customer Service Committee of the Board for adoption.
Complete copy of the Code is available at www.indianbank.in

2. How many stakeholder complaints have been
received in the past financial year and what
percentage was satisfactorily resolved by the
management?
If so, provide details thereof, in about 50 words or so.
l CO: Customer Service Cell deals with Customer grievance
redressal.
l Bank has an In-House portal - Centralized Grievance Redressal
System (CGRS). Customers can lodge their complaint online
through the portal. All the complaints received through other
modes and pending unresolved for more than 24 hours are
entered in CGRS for resolution.
l As per the Policy on Customer Grievances Redressal and
compensation to customers for deficiency in services, Bank has
adopted a maximum timeframe of 21 days for redressing
customer grievances.
However, most of the grievances are redressed within an
average time of 5-7 days.
Details of Complaints are as under:

Particulars Customers Shareholders

No. of complaints pending at the

beginning of the year 11834 0

No. of complaints received

during the year 254183 77

No. of complaints redressed

during the year 264429 76

No. of complaints pending

during the year 1588 1

% age of complaints resolved 99.40% 98.70 %

- 260 -
Principle 2 : : Business should provide goods and services that are safe and contribute to sustainability throughout their
life cycle
1. List up to 3 of your products or services whose
design has incorporated social or environmental
concerns, risks and/ or opportunities.
2. For each such product, provide in respect of
resource use (energy, water, raw material etc.)
per unit of product (optional):
i) Reduction during sourcing/ production/
distribution achieved since the previous year
throughout the value chain?
ii) Reduction during usage by consumers (energy,
water) has been achieved since previous year?
3. Does the company have proceedings in place for
sustainable sourcing (including transportation)?
i) If yes, What percentage of your inputs was
sourced sustainability?
Also provide details thereof in about 50 words or so
4. Has the company taken any steps to procure goods
and services from local & small producers, including
communities surrounding their place of work?
If yes, what steps have been taken to improve their
capacity and capability of local and small vendors?
5. Does the company have a mechanism to recycle
products and waste? If yes what is the percentage of
recycling of products and waste (separately as
<5%, 5%-10%). Also, provide details thereof, in
about 50 words or so.
Indian Bank offers the following financial services which has
incorporated social concerns and opportunities
Ø Self Help Groups (SHGs)
Ø Financial Literacy Centres (FLCs)
Ø Indian Bank Self Employment Training Institutes (INDSETIs)
The Bank believes that a sustainable growth incorporates
environment protection. In this direction, the Bank has always laid
emphasis on initiatives that contribute to betterment of environment
such as:
i. Provision of energy efficient LED fixtures.
ii. Provision of Roof top solar panels in Bank's own buildings.
iii. Sewage Treatment Plant at Corporate Office.
Ÿ Harnessing of Solar power to Corporate Office, this is already
under Green Building (Gold Rating Status). By adopting
alternatives sources of energy, as a public Sector Bank the Bank
has joined hands with other entity to form Green India.
Ÿ Expanding the Solar Power Plant installation network in Bank’s
own building, wherever technically feasible, to reduce the annual
overall expenditure on Energy consumption by about 4 to 5
percent.
Ÿ Adopting new technological products in the illumination systems
by using LED lamps in the interior lighting systems
Ÿ New branches illuminated with LED lighting only.
Ÿ Lighting in existing branches being replaced in a phased manner.
Presently 4975 branches and 202 administrative Offices are
provided with LED lighting.
Ÿ Through STP, the sewage water was circulated and about
17,000 liters of water per day is recycled, thereby a saving of
`5.60 lakh p. a. towards water charges.
NA
NA
All are financial products aiming to reach the entire operational area.
Yes
Preferably, the materials are sourced from nearby vendors to reduce
the transportation cost and time lag.
Yes, at Corporate Office, Royapettah
<5%
l Sewage Treatment Plant is provided at Corporate Office,
Royapettah with an output of 17,000 liters / day.
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Principle 3 : Business should promote the well-being of all employees.

1. Please indicate the Total number of 39734*

employees.
2. Please indicate the Total number of
employees hired on temporary/ 01 (Internal Ombudsman)
contractual/ casual basis.
3. Please indicate the number of
permanent women employees . 11602*

4. Please indicate the permanent number

of employees with permanent 1029
disabilities.
5. Do you have an employee association All India Indian Bank Officers’ Association
that is recognized by the management? Federation of Indian Bank Employees Union
6. What is the percentage of your
Officers: 78 %
employees members of this recognized
employees association? Award Staff: 73 %

7. Please indicate the Number of Complaints Child Forced Involuntary Sexual

complaints relating to child labor,
labour labour labour harassment
forced labor, involuntary labor, sexual
harassment in the last financial year Number received Nil Nil Nil Nil
and pending, as on the end of the
Number Pending Nil Nil Nil Nil
financial year.

SL No Type of training No. of participants

8. What percentage of your under
mentioned employees were given 1. Training imparted through e-Pathshala 7136
safety & skill up-gradation training in
the last year? 2. Online training from home 18188
3. Online training from workplace 11605
4. Webinar 20835
5. Training from external Institute 1443
Total 59207
* - Domestic excluding Part-time Sweepers.

Principle 4: Business should respect the interests of and be responsive towards all stakeholders, especially those who are
disadvantaged, vulnerable and marginalized.
1. Has the company mapped its internal Yes, the Bank has identified its key stakeholders, both internal and external.
and external stakeholders? Yes/ No Shareholders are further classified into different categories viz. Government,
Foreign Institutional Investors, Financial Institutions, Insurance Companies,
Mutual Funds, Banks, Individuals etc.

2. Out of the above, has the company
identified the disadvantaged, vulnerable
& marginalized stakeholders?
Yes, The Government and the RBI have prescribed certain guidelines and
targets in lending for Financial Inclusion, Priority Sector and marginalized
sections of the society.
Indian Bank has identified the disadvantaged, vulnerable and marginalized
stakeholders, which include Small and Marginal Farmers, Tenant and Leased
Farmers, landless Labourers and Rural Women. They are provided with special
credit facilities like Kisan Credit Card, Agri. Jewel Loan, Self Help Groups loans,
Joint Liability Group loans, Mudra loans etc.

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3. Are there any special initiative taken by l Indian Bank extends banking facilities to the financially excluded people with
the company to engage with the saving bank account under PMJDY. They are provided with RuPay cards
disadvantaged, vulnerable and with insurance in-built coverage, free of cost for the PMJDY programme at
marginalized stakeholders? If so, the time of account opening. Further, eligible customers are covered under
PMJJBY (Life insurance) & PMSBY (Accidental Insurance) and APY
provide details thereof, in about 50
Pension facility, under the scheme.
words or so.
l Bank is imparting self - employment training to the unemployed youth in
Below Poverty Line (BPL) category through Ind-SETIs (Indian Bank Self
Employment Training Institutes). Financial Literacy & Counselling through
FLCs (Financial Literacy Centres) & CFLs (Centre for Financial Literacy) are
also imparted. The activities are pursued under the aegis of "Indian Bank
Trust for Rural Development" (IBTRD).
l Bank is also extending 15 basic banking services at the doorsteps of
customers through PSB Alliance Doorstep Banking (DSB) under the aegis of
Indian Bank Association (IBA).

Principle 5 : Businesses should respect and promote human rights

1. Does the policy of the company on human Yes

rights cover only the company or extend to l Bank does not have a separate Human Rights Policy. However, these
the Group/Joint Ventures/ suppliers/ aspects are covered under Human Resources Policies and Practices of
Contractors/ NGOs/Others? the Bank.
2. How many stakeholder complaints have Particulars Customers Shareholders
been received in the past financial year and
what percent was satisfactorily resolved by No. of complaints pending at the beginning
the management? of the year 11834 0

No. of complaints received during the year 254183 77

No. of complaints redressed during the year 264429 76

No. of complaints pending during the year 1588 1

% age of complaints resolved 99.4% 98.70%

Principle 6 : Business should respect, protect and make efforts to restore the environment.
1. Does the policy related to Principle 6 cover Yes
only the company or extends to the Group/
Joint Ventures/ Suppliers/ Contractors/
NGOs/ others?

2. Does the Company have strategies/ l Gardens / green spots are maintained at prime locations.
initiatives to address global environmental
issues such as climate change, global l Bank has planted tree saplings pan India to address the issue of greenery
warming, etc? Y/N. if yes, please give & global warming.
hyperlink for webpage etc
3. Does the company identify and assess Yes
potential environmental risks? Y/N
4. Does the company have any project related Given the nature of business, Bank does not have a Clean Development
to Clean Development Mechanism? If so,
provide details thereof, in about 50words or Mechanism.
so. Also, if Yes, whether any environmental
compliance is filed?

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 5. Has the company undertaken any other
initiative on – clean technology, energy
efficiency, renewable energy, etc. Y/N. If yes,
please give hyperlink for web page etc
6. Are the Emissions/Waste generated by the
company within the permissible limits given
by CPCB/SPCB for the financial year being
reported?
7. Number of show cause/legal notices
received from CPCB/SPCB which are
pending(i.e. not resolved to satisfaction) as
on end of Financial Year
Principle 7 : Businesses, when engaged in influencing public and regulatory policy, should do so in a responsible manner
1. Is your company a member of any trade
and chamber or association? If Yes,
Name only those major ones that your
business deals with:
2. Have you advocated /lobbied through
above associations for the
advancement or improvement of public
good? Yes/No; if yes specify the broad
areas (drop box: Governance and
Administration. Economic Reforms,
Inclusive Development Policies,
Energy security, Water, Food Security,
Sustainable Business Principles,
Others).
YES
PREMISES: Introduction of Solar Power and LED lights at Bank owned
premises
• As the part of the green initiatives, all payments to vendors, suppliers etc
are made through electronic channels, viz., direct credit / NEFT / RTGS
(only under exceptional circumstances, payment by way of cheque is
made)
• Bank owns 250 properties in India and 2 properties in Singapore.
• Bank has put in place uniform policies for Premises Expenditure ,
Purchases Contracts, Printing and Stationery, Air-Conditioning, Auto
mobiles, Telephone / Cell Phone and has adopted the same at all
branches / Zones
Green Initiatives:
A. Solar Power and LED lighting
• Harnessing of Solar power to Corporate Office, this is already under
Green Building (Gold Rating Status). By adopting alternatives sources of
energy, as a public Sector Bank the Bank has joined hands with other
entity to form Green India.
• Expanding the Solar Power Plant installation network in Bank’s own
building, wherever technically feasible, to reduce the annual overall
expenditure on Energy consumption by about 4 to 5 percent.
• Adopting new technological products in the illumination systems by using
LED lamps in the interior lighting systems
• New branches illuminated with LED lighting only.
• Lighting in existing branches being replaced in a phased manner.
Presently 4975 branches and 202 administrative Offices are provided
with LED lighting.
B. Other Green Initiatives :
• Conduct of Energy Audits periodically for branches and offices.
• Provision of timers for auto cut off of Air Conditioners installed at
branches and Offices, installations of harmonic filters and usage of Star
rated electrical appliances have considerably reduced the consumption
of electricity.
NA
NIL
YES
IBA, NIBM, IIBF, IBPS
The Bank from time to time has advocated the policies to policymakers and
policy-making associations, for sustainable development of the banking industry.
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Principle 8 : Businesses should support inclusive growth and equitable development
1. Does the company have specified
programmes/initiatives/projects in
pursuit of the policy related to
Principle? If yes details thereof
2. Are the programmes/projects
undertaken through in-house
team/own foundation/external
NGO/government structures/any other
organization?
3. Have you done any impact assessment
of your initiative?
4. What is your company's direct
contribution to community development
projects-Amount in INR 'and the details
of the projects undertaken
5. Have you taken steps to ensure that
this community development initiative
is successfully adopted by the
community? Please explain in 50
words, or so.
6. Are there any special initiative taken by
the company to engage with the
disadvantaged, vulnerable and
marginalized stakeholders. If so,
provide details thereof in about 50
words or so.
• There are 1.85 crore PMJDY account holders in the Bank as on 31.03.2022.
Their SB deposits amounts to `7,608.65 crores with an average balance of
`4,111/- per account. Out of total PMJDY accounts, 56% of Total PMJDY
Beneficiaries are Women.
• Overdraft facilities to the extent of `28.83 crore have also been extended to
2.72 lakh PMJDY account holders.
• Bank has deployed 9,657 BC-led Banking outlets as on 31.03.2022.
• Under Micro-Insurance Schemes, 30.24 lakh & 80.14 lakh customers have
been enrolled under PMJJBY & PMSBY respectively. 24.96 lakh customers
have been enrolled under Micro-pension scheme viz. APY for their Pension
facilities.
• 37 Ind-SETIs spread across India have imparted self- employment training to
2,20,312 individuals through 7,911 batches up to March 2022, cumulatively
since inception. During 2021-22, 721 training Programmes have been
conducted to benefit 19,331 individuals.
• Indian Bank has FLCs at 42 Centres pan India, out of which Urban Financial
Literacy Centres have been established in Chennai, Delhi region and Mumbai
for the benefit of migratory workers and slum dwellers as part of Bank's
initiatives under financial inclusion. A total of 10.77 lakh individuals have been
provided financial counselling through these 42 FLCs. During FY 2021-22,
2,074 literacy camps were organized which were attended by 92,280
participants.
The Bank has finalized implementation of a FI pilot initiative, viz. SAMPOORNA
project in association with M/s WWB (Women’s World Banking), an NGO to
inculcate and activate savings of PMJDY account holders with a focus on women
and to extend other PMJDY related services like SB Overdraft and SSS (Social
Security Schemes.) to them. The project is implemented from April’ 22.
Impact and effectiveness of INDSETIs are monitored based on the Annual Grading
Exercise undertaken by the Monitoring Cell for RSETIs under the aegis of MORD
(Ministry of Rural Development) for assessing the impact and initiate steps for
further strengthening of INDSETIs.
In the past, i.e. during the year 2020-21, out of 33 RSETIs for which grading was
done, all the 33 institutes have obtained AA grades which are the highest grades.
The grading for 2021-22 is about to be initiated in the near future.
The Bank is contributing to the Trust (IBTRD) towards self-employment and
Community Development activities through INDSETIs and FLCs.
Imparting self-employment training to individuals coupled with Bank Finance to
those who are willing to take up bank loan from their neighboring bank branches is
helping building community development. Trade, Service and small-scale industrial
ventures are generated through these efforts and to enable the trained individuals
self-reliant. The settlement rate of candidates trained at INDSETIs as on
31.03.2022 is 69.70%, of which 47.60% have been credit-linked.
• Bank deploys BC Channel for extending banking services at the doorsteps of
customers daily.
• The BC Channel was instrumental to extend customers service at their
doorsteps during crisis situations like COVID 19 Pandemic, flood situation etc.
across various areas.
• BCs were also given free cost insurance coverage under life and accidental
schemes of PMJBY, PMSBY by the Bank. They have also been provided with
sanitization material, face masks and reimbursement cost by the Bank for
COVID Vaccination.
• The Bank is disbursing Old Age Pension (OAP) amount to the beneficiaries
through BC network in the State of Tamil Nadu.
• DBT Benefits such as PM Kisan (`6000/- per annum) are disbursed to farmers
in 3 occasions of `2000/-each through BCs. An ex-gratia payment of `500/-
each was granted by Central Govt. to individual SHG member, having PMJDY
account during COVID 19 pandemic Situation as a one-time measure. This
amount was disbursed to them through BCs.
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Subsidiaries:
• The Bank has two subsidiaries viz., Indbank Merchant
Banking Services Ltd. and Ind Bank Housing Ltd.
Regional Rural Banks:
• The Bank has three sponsored Regional Rural Banks viz.
Saptagiri Grameena Bank, headquartered at Chittoor
(Andhra Pradesh); Tamil Nadu Grama Bank,
headquartered at Salem (Tamil Nadu); and Puduvai
Bharathiar Grama Bank headquartered at Puducherry
(UT of Puducherry).
• The bank network of the three RRBs increased by 8
Branches during the FY 2021-22 from 909 to 917
Branches as of March, 2022.
• The total business of the three RRBs was 54120.95 crores
as of March 2022 as compared to Rs. 47743.78 Cr as of
March 2021
• Tamil Nadu Grama Bank has 644 Branches with Total
Business of `34711.11 Crores. (Deposits `17093.28 crore
and Advances & `17617.83 crore).
• Puduvai Bharathiar Grama Bank has 44 Branches
with Total Business of `1956.62 Crores. (Deposits
`1023.60 crore and Advances `933.02 crore).
• TNGB is having CRAR of 12.74%, SGB is having CRAR of
15.18% and PBGB is having CRAR of 10.57%.
• All the three RRBs are profit making.
• RRBs are actively participating in PMJDY, PMJJBY,
PMSBY and APY programmes of Govt. of India. The three
RRBs are covering 1210 SSA villages under PMJDY and
have opened 10.05 lakh accounts under the scheme. The
RRBs have also covered 9.63 lakh beneficiaries under
PMSBY, 4.93 lakh beneficiaries under PMJJBY and
1.59 lakhs under APY Scheme.

• Saptagiri Grameena Bank has 229 Branches with Total

Business of `17453.22 Crores. (Deposits `9106.53 crore
and Advances `8346.69 crore).

Principle 9: Businesses should engage with and provide value to their customers and consumers in a responsible manner

1. What percentage of customer 0.60%

complaints/consumer cases are
pending as on the end of financial year

2. Does the company display product Yes

information on the product label, over
and above what is mandated as per
local laws? Yes/No./N.A/ Remarks
(additional information)

3. Is there any case filed by any No

stakeholder against the company
regarding unfair trade practices,
irresponsible advertising and/or anti-
competitive behaviour during the last
five years and pending as on end of
financial year. If so, provide details
thereof, in about words or so

4. Did your company carry out any Yes. Bank has conducted a customer satisfaction survey during the year. In the
consumer survey/consumer survey, 79.84% of customers have expressed satisfaction over the services
satisfaction trends? provided by the Bank. 84.77% of customers have informed that Bank is fulfilling
their expectations.

- 266 -
 REPORT ON CORPORATE GOVERNANCE

1. Corporate Governance Philosophy: 2.2 Committees of Board:

Corporate Governance is by itself a process by which the The Board has constituted various committees as
entities are controlled and guided to enhance their wealth mentioned hereunder for specific and focused approach
generating capacity in an ethical manner. It acts as a towards governance of some of the important functional
catalyst between Management, Board, shareholders and areas of the Bank, for providing proper direction, effective
other stakeholders to achieve the set goals of the monitoring and controlling the affairs of the Bank:
organization while abiding the law of the land in conducting
its day to day business in a most efficient, transparent and Ÿ Management Committee of the Board (MCB)
ethical way with an ultimate objective of maximizing Ÿ Audit Committee of the Board (ACB)
shareholders’ wealth on a sustainable basis besides
Ÿ Risk Management Committee (RMC)
monitoring the performance. It is the evolution of a system
by which the values, principles, policies and procedures Ÿ IT Strategy Committee (IT Com)
are ingrained and manifested in the system in the most
Ÿ Customer Service Committee (CSC)
effective way.
Ÿ Committee of Directors (Vigilance) (COD Vig)
In the pursuit of excellence, the Bank endeavors highest
standard of Corporate Governance and committed to its Ÿ Special Committee (Monitoring of Large Value Frauds)
responsibilities which is based on total commitment to (SCMLVF)
ethical practices in the conduct of business while striving
Ÿ Share Transfer Committee (STC)
hard to enhance all stakeholders’ value by mutual
dialogue, respect, clear goals and decisive leadership. Ÿ Stakeholders Relationship Committee (SRC)
The Bank considers itself as a trustee of all the
Ÿ H R Committee (HR com)
stakeholders and acknowledges its responsibility towards
them by creating and safeguarding their wealth, attained Ÿ Committee for monitoring of Recovery (CMR)
through sound corporate strategies, proactive business
Ÿ Board Level Appellate Committee for Disciplinary
plans, policies and procedures to satisfy the ethical and
Cases (BACDC)
legal responsibilities. Bank’s corporate governance
principles are firmly rooted for generating profitable growth Ÿ Review Committee for Willful Defaulters (RCWD)
with high level degree of disclosure policies adhering to the
Ÿ Review Committee for Non Co-operative Borrowers
governance standards.
(RCNCB)
2. Board of Directors:
Ÿ Credit Approval Committee (CAC)
2.1 The constitution of Board of Directors is governed by the
Ÿ Nomination and Remuneration Committee (NRC)
provisions of the Banking Regulation Act, 1949, Banking
Companies (Acquisition and Transfer of Undertakings) Ÿ Board Committee for Performance Evaluation (BCPE)
Act, 1970 and Nationalized Banks (Management and
2.3 The responsibilities of the Board include formulation of
Miscellaneous Provisions) Scheme, 1970. The Directors
policies, corporate strategy and planning, new initiatives,
bring in wide range of expertise and experience to the
performance review and control and sanction of cases
Board, facilitating proficient and unbiased direction to the
Bank. falling beyond the powers delegated to various
functionaries of the Bank. The Board has constituted
The Managing Director & CEO and Executive Directors various committees and delegated powers for different
are the Whole Time Directors appointed by the functional areas.
Government of India. The Board of Directors is constituted
as per the provisions under section 9 (3) of the Banking 2.4 The Board and its committees meet at frequent intervals
Companies (Acquisition and Transfer of Undertakings) and guide the Bank to achieve its objectives in a prudent
Act, 1970. In terms of section 9(3) of the Banking and efficient manner and to ensure high standards of
Companies (Acquisition and Transfer of Undertakings) performance through ethical practices and professional
Act, 1970, the Directors other than Shareholder Director management.
(in our case two) are nominated /appointed by the Govt. of
India.

- 267-
2.5 The composition of the Board of Directors as on 31.03.2022 was as under:

Date of Directorship held in

Sl. Membership of Bank’s No. of
Name Designation Appointment/ Companies / Entities
No. Board level Committees Shares held
Nomination other than the Bank
1 Shri S. L. Jain MD & CEO 01.09.2021 1. Management Committee Universal Sompo 695
2. Customer Service General Insurance
Committee Company Limited
3. Risk Management
Committee
4. Committee of Directors
(Vigilance)
5. Special Committee
(Monitoring of Large
Value Frauds)
6. IT Strategy Committee
7. HR Committee
8. Committee for Monitoring
of Recovery
9. Review Committee for
Wilful Defaulters
10. Review Committee for
Non-Cooperative
Borrowers
11. Credit Approval
Committee

2 Shri V V Shenoy Executive 01.12.2018 1. Management Universal Sompo 5000

Director Committee General Insurance
Company Limited
2. Customer Service
Committee
3. Committee of
Directors (Vigilance)
4. Special Committee
(Monitoring of Large
Value Frauds)
5. IT Strategy Committee
6. Stakeholders
Relationship Committee
7. Share Transfer
Committee (Chairman)
8. HR Committee
9. Committee for Monitoring
of Recovery
10. Credit Approval
Committee

- 268-
Sl. Date of Membership of Bank’s Directorship held in No. of
Name Designation Appointment/ Companies / Entities
No. Board level Committees Shares held
Nomination other than the Bank
3 Shri Imran Amin Executive 10.03.2021 1. Management 1. Ind Bank Housing Ltd. 695
Siddiqui Director Committee
2. Indbank Merchant
2. Customer Service Banking Services Ltd.
Committee
3. National Payments
3. Committee of Directors Corporation of India
(Vigilance)
4. Special Committee
(Monitoring of Large
Value Frauds)
5. IT Strategy Committee
6. Stakeholders Relationship
Committee
7. Share Transfer Committee
8. HR Committee
9. Committee for Monitoring
of Recovery
10. Credit Approval Committee

4 Shri Ashwani Executive 21.10.2021 1. Management - NIL

Kumar Director Committee
2. Customer Service
Committee
3. Risk Management
Committee
4. Committee of Directors
(Vigilance)
5. Special Committee
(Monitoring of Large
Value Frauds)
6. IT Strategy Committee
7. Stakeholders
Relationship Committee
8. Share Transfer
Committee
9. HR Committee
10. Committee for
Monitoring of Recovery
11. Credit Approval
Committee
5 Shri Sanjeev Govt. Nominee 24.01.2020 1. Risk Management - NIL
Kaushik Director Committee
2. Committee of Directors
(Vigilance)
3. Special Committee
(Monitoring of Large
Value Frauds)

- 269-
Sl. Date of Membership of Bank’s Directorship held in No. of
Name Designation Appointment/
No. Board level Committees Companies / Entities Shares held
Nomination other than the Bank
4. IT Strategy Committee.
5. HR Committee
6. Committee for Monitoring
of Recovery
7. Board Committee for
Performance Evaluation
6 Dr. Aditya Gaiha RBI Nominee 08.03.2022 1. Management - NIL
Director Committee
2. Audit Committee of the
Board
3. Committee of Directors
(Vigilance)
7 Shri Balmukund Part-time - NIL
Sahay Non-Official 21.12.2021 1. Customer Service
Director Committee
2. Risk Management
Committee
3. Special Committee
(Monitoring of Large
Value Frauds)
4. Stakeholders Relationship
Committee (Chairman)
5. Share Transfer
Committee
6. HR Committee
7. Board Level Appellate
Committee for Disciplinary
Cases (Chairman)
8. Audit Committee of the
Board
8 Shri Vishvesh Part-time V G Corporate NIL
Kumar Goel Non Official 21.12.2021 1. Audit Committee of the Management Pvt. Ltd.
Director Board
2. Risk Management
Committee
3. IT Strategy Committee
(Chairman)
4. Committee for Monitoring
of Recovery
5. Board Level Appellate
Committee for Disciplinary
Cases
6. Review Committee for
Non-Cooperative
Borrowers
7. Nomination and
Remuneration Committee
(Chairman)

- 270 -
Sl. Date of Membership of Bank’s Directorship held in No. of
Name Designation Appointment/
No. Board level Committees Companies / Entities Shares held
Nomination other than the Bank
9 Dr. Bharath Shareholder 07.02.2021 1. Audit Committee of the 1. Aparajitha Corporate 300
Krishna Sankar Director Board (Chairman) Services Private
Limited
2. HR Committee
2. Dinram Holdings Pvt.
3. IT Strategy Committee Ltd.
3. Dasa Consulting Pvt.
4. Share Transfer Ltd.
Committee 4. Aparajitha Dynamic
5. Board Level Appellate Synergies Pvt. Ltd.
Committee for Disciplinary 5. Aparajitha Property
Cases Shelters Pvt. Ltd.
6. Aparajitha Partnering
6. Board Committee for Progrez Pvt. Ltd.
Performance Evaluation
7. Aparajitha Total
(Chairman)
Solutions Pvt. Ltd.
7. Nomination and 8. Aparajitha Software
Remuneration Committee Services Pvt. Ltd.
9. Edsix Brainlab Pvt.
8. Special Committee
Ltd.
(Monitoring of Large Value
Frauds)

9. Review Committee for

Wilful Defaulters

10 Ms. Papia Shareholder 29.10.2021 1. Management The Investment Trust of 200

Sengupta Director Committee India Ltd.

2. Risk Management
Committee (Chairperson)

3. IT Strategy Committee

4. Committee for Monitoring

of Recovery

5. Board Level Appellate

Committee for Disciplinary
Cases

6. Review Committee for

Willful Defaulters

7. Review Committee for

Non-Cooperative
Borrowers

8. Nomination and
Remuneration Committee

9. Board Committee for

Performance Evaluation

- 271 -
Note:
(i) None of the directors on the Board is member in more than 10 committees namely Audit Committee and Stakeholders’
Relationship Committee or act as Chairman of more than 5 Committees namely Audit Committee and Stakeholders’
Relationship Committee across all companies in which he/she is a director.

(ii) There is no inter-se relationship between Directors.

(iii) The Board of Directors has been responsible for the business and overall affairs of the Bank in the FY 2021-22 and
that the reporting structures of the listed entity, formal and informal are consistent with the same.

(iv) In the opinion of the Board, the independent directors fulfill the conditions specified in SEBI (LODR) regulations, 2015
and are independent of the management.

(v) During FY 2021-22, there has been no instance of resignation by any of the Independent Directors.

2.6 The profiles of the Managing Director (assumed office on 01.09.2021) and the directors who were appointed /
nominated on the Board of the Bank and assumed office during the financial year 2021-22 are furnished
hereunder:

2.6.1 Shri S. L. Jain, Managing Director & Chief Executive Officer:

st
Shri S. L. Jain assumed charge as Managing Director and Chief Executive Officer of Indian Bank on 1 September 2021.
Prior to this, he served as Executive Director of Bank of Baroda since September 2018.

As Executive Director in Bank of Baroda (BoB), he played a pivotal role in the amalgamation process of Vijaya Bank and
Dena Bank with Bank of Baroda. He was overseeing Large Corporate Credit, Stressed Assets and International Banking in
BoB. He was also serving as Nominee Director / Chairman in the subsidiaries of BoB in Uganda, Tanzania, Baroda Global
Shared Services (BGSS) etc.

A Post graduate in Commerce, with Professional Qualification of Chartered Accountant, Company Secretary and CAIIB, he
joined Allahabad Bank in 1993 in Middle Management cadre and rose up to the level of General Manager of the Bank.

As a General Manager, he has served as Chief Financial Officer, Chief Risk Officer and headed IT department of the Bank.
He has also headed Agra Zone as Zonal Manager and as Field General Manager (West) Mumbai. Earlier to this, he has
served in branches and administrative offices of the Bank. Prior to joining Allahabad Bank, he has worked in various
Industries. He has banking experience of about 28 years and industrial experience of about 6 years.

Shri Jain is a member on the Managing Committee of Indian Banks Association and he is also heading the IBA Standing
Committee on Corporate Credit. He is a member in the Governing Body of IBPS, IIBM Guwahati and NIBM, Pune. He is
also a member of the Insurance Advisory Committee of IRDAI.

2.6.2 Shri Ashwani Kumar, Executive Director:

Shri Ashwani Kumar is Chartered Accountant, Post Graduate in Commerce and also a Certified member of Indian Institute
of Bankers. He has rich banking experience of more than two decades. Prior to joining as Executive Director of Indian Bank,
he was serving as Chief General Manager of Mumbai Zone of Punjab National Bank.

Shri Ashwani Kumar rose through ranks serving various offices of four Public Sector Banks viz. Bank of Baroda,
e-Corporation Bank, e-Oriental Bank of Commerce and Punjab National Bank. His work experience includes working in
Wholesale Banking division and as Head of several Branches (including Industrial Finance Branches and LCBs). As
General Manager, he was heading Mid Corporate and Large Corporate verticals and was also CFO.

As a vivid learner, he has attended various training programs in premier institutes in India and abroad including IIM and
CAFRAL. He has also completed Leadership Development Programme of IIM Bangalore, curated by the Banks Board
Bureau in consultation with IBA and Egon Zehnder International Pvt. Ltd.

2.6.3 Dr. Aditya Gaiha, RBI Nominee Director:

Dr. Aditya Gaiha is an Electrical and Electronics Engineer and a Physics graduate from BITS, Pilani. He also has degrees in
Law (LLB from Osmania University, Hyderabad) and Finance [M.Sc. (Investment Management) from Cass Business
School, London].

He has completed his PhD in Economics from IIT Bombay. He is a Certified Associate of the IIBF. He has been working in
the Reserve Bank of India since 1996 and has more than 25 years of work experience in the areas of Payment Systems and
Information Technology, Banking and Non-Banking Supervision, Public Debt, Exchange Controls and Reserve

- 272 -
 Management. He has also worked with the SAARC Development Fund (Thimphu) as Director (Finance) and the IMF (HQ,
Washington DC) as a Senior Financial Sector Expert. Presently he is heading the Department of External Investments and
Operations (DEIO) in the Central office of the Reserve Bank of India, in Mumbai.
2.6.4 Ms. Papia Sengupta, Shareholder Director:
Ms. Papia Sengupta is a Science Graduate, with additional qualification of CFA and CAIIB. She joined SBBJ in 1983 as
Probationary Officer and has handled responsibilities in several offices of SBBJ, SBI and SBP. Ms. Papia Sengupta retired
as Executive Director, Bank of Baroda on 30.09.2019. Prior to joining Bank of Baroda, she held the position of Chief General
Manager (Retail Banking) since April 2016 and Chief General Manager (Stressed Assets Management Group) since June
2015 at State Bank of Patiala (SBP). She also served as General Manager of Delhi network at State Bank of Bikaner and
Jaipur (SBBJ).
2.6.5 Shri Balmukund Sahay, Part time Non-Official Director:
Shri Balmukund Sahay is a post graduate in Commerce from Ranchi University. He was an active member of Jharkhand
State Transport Authority from 2001 to 2004 and member of Jharkhand State Level 20 Points Programme Committee from
2016 to 2019. As a member of Jharkhand State Transport Authority, he had a role to promote rural economy and improve
transportation sector. He is a social activist and as a member of Jharkhand State Level 20 Points Programme Committee,
he was focusing on encouraging Agriculture, Rural Economy, Small Scale Industries & Information Technology and
alternative dispute resolution. Poverty alleviation, facilitating Government schemes to beneficiaries were also his subject of
interest.
2.6.6 Shri Vishvesh Kumar Goel, Part-time Non-Official Director:
Shri Vishvesh Kumar Goel is a member of the Institute of Chartered Accountants of India and holds bachelor degree in
commerce from Meerut University. He has experience of more than 30 years in direct taxation, international transaction
advisory, Legal opinions, Expatriate Taxation etc. He also has extensive experience in Assurance Services, serving listed
Indian and Multinational clients in various industries. He has worked under various GAAPs (including USGAAP, IFRS, Ind
AS, etc.). He is founder trustee of Eminent Educational Institute. He is an active participant in public seminars on direct
taxation, training, and other motivational programs.
2.7 The details of cessation of directorship during FY 2021-22 are as under:

Sl. Name Category Date of cessation Reason

No.
1. Shri K. Ramachandran Executive Director 01.07.2021 Superannuation
2. Ms. Padmaja Chunduru MD & CEO 01.09.2021 Superannuation
3. Shri S. K. Panigrahy RBI Director 08.03.2022 GOI Notification No.
eF.No.6.3.2011-B0.1-Part(1)
dated 08.03.2022
4. Shri V V Shenoy Executive Director 01.04.2022 Superannuation

3) Credentials of members of Board of Directors:

Educational/ Skill.
Sl. Designation Category of Expertise
Name Professional
No. Director
Qualification
1. Shri S. L. Jain MD & CEO Executive M. Com., CA, CS and Chartered
CAIIB Accountant, Banking
2. Shri V V Shenoy Executive Director Executive B.Com, CAIIB Banking
3. Shri Imran Amin Siddiqui Executive Director Executive B.Sc, B. Tech, CAIIB Banking
4. Shri Ashwani Kumar Executive Director Executive M.Com, CA Chartered
Accountant, Banking

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 Educational/ Skill.
Sl. Designation Category of Expertise
Name Professional
No. Director
Qualification
5. Shri Sanjeev Kaushik Govt. Nominee Non Executive- MBA from London Public Administration
Director GoI Nominee Business School,
Director Mechanical Engineering
from BITS Pilani.
6. Dr. Aditya Gaiha RBI Nominee Non Executive- BE, M.Sc. (Physics), Economics, Banking
Director RBI Nominee LLB, M Sc Regulation and
Director (Investment Management), Supervision
CAIIB, PhD (Economics)
7. Dr. Bharath Krishna Sankar Shareholder Director Non Executive- B.com, M.com, Ph.D Business
Independent in commerce, FCA, Management,
Director ACMA Chartered
Accountant, Finance,
HR & Training
8. Ms. Papia Sengupta Shareholder Director Non Executive- B Sc, CAIIB, CFA CFA, Banking
Independent
Director
9. Shri Vishvesh Kumar Goel Part-time Non Executive- B.Com, FCA Chartered
Non Official Director Independent Accountant,
Director Assurance,
Taxation and Finance
10. Shri Balmukund Sahay Part-time Non Executive- M. Com. Agriculture,
Non Official Director Independent Rural Economy,
Director Small Scale
Industries

3.1 Details of the Board / Committee meeting held during financial year 2021-22:
Details of the meetings attended by Present and Past Directors (from 01.04.2021-31.03.2022):
COD (Vig)

SCMLVF

H R Com

RCNCB
BOARD

BACDC
ITCom.

RCWD

BC PE
CFMR
RMC
MCB

Sl.

NRC
ACB

SRC

CSC

CAC
STC

Name of Director
No.

1 Ms Padmaja Chunduru* 5 9 -- 2 2 -- 3 -- 1 1 -- 9 1 -- -- -- 1 –
2 Shri S. L. Jain 11 19 -- 4 2 -- 4 2 3 3 -- 24 2 -- 1 -- 4 –
3 Shri V V Shenoy 16 28 13 6 4 3 7 2 4 4 1 33 3 -- -- -- – –
4 Shri K. Ramachandran** 2 5 3 1 1 1 1 -- 1 -- -- 5 1 -- -- -- -- –
5 Shri Imran Amin Siddiqui 15 27 13 5 4 3 7 2 4 4 1 31 3 -- -- -- – –
6 Shri Ashwani Kumar 9 15 6 3 1 1 4 1 2 3 1 18 2 -- -- -- – –
7 Shri Sanjeev Kaushik 11 -- 9 -- 2 -- 1 -- -- 2 -- -- 1 -- -- -- 1 2
8 Shri S K Panigrahy*** 12 22 9 -- 2 -- -- -- -- -- -- -- -- -- -- -- -- –
9 Dr. Aditya Gaiha 1 1 2 -- -- -- -- -- -- -- -- -- -- -- -- -- – –
10 Dr. Bharath Krishna Sankar 16 -- 13 2 -- 2 6 2 3 4 1 -- -- -- -- -- 5 2
11 Ms. Papia Sengupta 9 14 -- 4 -- -- 4 -- -- -- -- -- 2 -- 1 -- 4 2
12 Shri Vishvesh Kumar Goel 8 -- 5 3 -- -- 3 - -- -- -- -- 1 -- 1 -- – –
13 Shri Balmukund Sahay 8 -- 3 3 -- 1 -- 1 1 2 1 -- -- -- -- -- -- –

* MD & CEO upto 31.08.2021 ** Executive Director upto 30.06.2021 *** RBI nominee Director upto 07.03.2022

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During the financial year 2021-22, fifteen (15) Board Meetings were held as detailed below as against requirement of minimum six
meetings under clause 12 of Nationalized Bank (Management and Miscellaneous Provisions) Scheme, 1970:

Sl. Date of meeting Number of Directors Attended the meeting

Number of Directors on Board
No.
1. 28.05.2021 7 7
2. 29.06.2021 7 7
3. 19.07.2021 6 6
4. 11.08.2021 6 5
5. 27.08.2021 6 6
6. 29.09.2021 6 5
7. 28.10.2021 7 7
8. 25.11.2021 8 7
9. 27.12.2021 10 10
10. 07.02.2022 10 10
11. 08.02.2022 10 10
12. 24.02.2022 10 8
13. 14.03.2022 10 8
14. 21.03.2022 10 8
15. 30.03.2022 10 9

4. Committees of the Board:

4.1 Management Committee of the Board:
The Management Committee was constituted on September 8, 1990 and exercises such powers of the Board, as may be
delegated to it by the Board with the approval of the Central Government after consultation with Reserve Bank of India. The
committee is re-constituted from time to time. The Management Committee may exercise all the powers vested in the Board in
respect of:
Ÿ Sanctioning of credit proposals (funded and non-funded);
Ÿ Loans compromise, write-off proposals;
Ÿ Proposals for approval of capital and revenue expenditure;
Ÿ Proposals relating to acquisition and hiring of premises including deviation from norms for acquisition and hiring of premises;
Ÿ Investments in Government and other approved securities, shares and debentures of companies including underwriting;
Ÿ Donations and
Ÿ Any other matter referred to the Management Committee by the Board
4.1.1 Composition of the Management Committee of the Board:
The members of the Management Committee of the Board as on 31.03.2022 were as under:

1. Shri S. L. Jain Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member
5. Dr. Aditya Gaiha, RBI Nominee Director Member
6. Ms. Papia Sengupta, Shareholder Director Member

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4.1.2 Details of meetings:
The Committee met twenty eight (28) times during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the

Date of meeting Number of Directors Attended the meeting
No. Management Committee of Board
1. 16.04.2021 5 5
2. 04.05.2021 5 5
3. 25.05.2021 5 5
4. 07.06.2021 5 5
5. 24.06.2021 5 5
6. 14.07.2021 4 4
7. 03.08.2021 4 4
8. 13.08.2021 4 4
9. 18.08.2021 4 4
10. 17.09.2021 4 4
11. 27.09.2021 4 4
12. 18.10.2021 4 4
13. 27.10.2021 5 5
14. 12.11.2021 6 6
15. 20.11.2021 6 6
16. 30.11.2021 6 4
17. 09.12.2021 6 6
18. 23.12.2021 6 6
19. 29.12.2021 6 5
20. 10.01.2022 6 6
21. 25.01.2022 6 6
22. 14.02.2022 6 6
23. 21.02.2022 6 5
24. 05.03.2022 6 6
25. 07.03.2022 6 5
26. 14.03.2022 6 5
27. 23.03.2022 6 5
28. 28.03.2022 6 5

4.2 Audit Committee of the Board (ACB):

The Audit Committee was constituted on October 13, 1995 and the same is re-constituted from time to time. Its terms of
reference include the following:

Ÿ Provide direction as also oversee the total audit function of the Bank which impact the organization, operationalization and
quality control of internal audit and inspection in the Bank and follow-up on the statutory external audit of the Bank and
inspections of the Reserve Bank of India.

Ÿ Review 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 at various branches, frauds and house-keeping.

Ÿ Review quarterly reports from the Compliance officers appointed in the Bank and

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 Ÿ Follow-up on all the issues raised in the Long Form Audit Report and interact with the external auditors before the
finalization of the annual, semi-annual financial accounts and reports and all the issues concerns raised in the inspection
reports of RBI.
Ÿ Regular review of accounts, accounting policies, disclosures.
Ÿ Review of the major accounting entries based on exercise of judgment by management and review of significant
adjustments arising out of audit.
Ÿ Qualifications in the draft audit report.
Ÿ Establishing and reviewing the scope of the independent audit including the observations of the auditors and review of the
quarterly, half-yearly and annual financial statements before submission to the Board.
Ÿ Post audit discussions with the auditors to ascertain any area of concern.
Ÿ Establishing the scope and frequency of internal audit, reviewing the findings of the internal auditors and ensuring the
adequacy of internal control systems.
Ÿ Compliance with Accounting Standards and Accounting Policies of the Bank.
Ÿ Compliance with stock exchange requirements concerning financial statements, to the extent applicable.
Ÿ Oversee related party transactions i.e., transactions of the Bank of material nature, with promoters or management, their
subsidiaries or relatives etc., that may have potential conflict with the interests of the Bank at large and
Ÿ Such other matters as may from time to time be required by any statutory, contractual or other regulatory requirements.
4.2.1 Composition of the Audit Committee of the Board:
The members of Audit Committee of the Board as on 31.03.2022 were as under:

1. Dr. Bharath Krishna Sankar, Shareholder Director Chairman

2. Dr. Aditya Gaiha, RBI Nominee Director Member
3. Shri Vishvesh Kumar Goel, Part-time Non Official Director Member
4. Shri Balmukund Sahay, Part-time Non Official Director Member
Invitees:
1. Shri V V Shenoy, Executive Director
2. Shri Imran Amin Siddiqui, Executive Director
3. Shri Ashwani Kumar, Executive Director
4.2.2 Details of meetings:
During the period from 01.04.2021 to 31.03.2022, thirteen (13) meetings of the Audit committee of the Board were held as
detailed below:

Sl. Number of Directors on the

Date of meeting Number of Directors Attended the meeting
No. Audit Committee of Board
1. 28.04.2021 4 3
2. 28.05.2021 4 4
3. 28.06.2021 4 4
4. 19.07.2021 4 4
5. 26.08.2021 4 4
6. 29.09.2021 4 3
7. 28.10.2021 3 3
8. 22.12.2021 3 3
9. 07.02.2022 4 4
10. 16.02.2022 4 4
11. 11.03.2022 4 4
12. 25.03.2022 4 3
13. 30.03.2022 4 4

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4.3 Risk Management Committee of the Board:
Risk Management Committee was constituted on January 18, 2003 and the committee was re-constituted from time to
time. The functions and responsibilities of the Risk Management Committee include the following:
Ÿ To devise the policy and strategy for integrated risk management containing various risk exposures of the Bank
including the Credit Risk.
Ÿ To co-ordinate between the Credit Risk Management Committee (CRMC), the Asset Liability Management Committee
(ALMC) and Operational Risk Management Committee (ORMC) and other risk committees of the Bank.
Ÿ Setting policies and guidelines for market risk measurement, management, and reporting.
Ÿ Ensuring that market risk management processes (including people, systems, operations, limits, and controls) satisfy
Bank’s policy.
Ÿ Reviewing and approving market risk limits, including triggers or stop-losses for traded and accrual portfolios.
Ÿ Appointment of qualified and competent staff, ensuring posting of qualified and competent staff and of independent
market risk managers etc.

4.3.1 Composition of the Risk Management Committee of the Board:

The members of Risk Management Committee of the Board as on 31.03.2022 were as under:

1. Ms. Papia Sengupta, Shareholder Director Chairperson

2. Shri Ashwani Kumar, Executive Director Member
3. Shri Sanjeev Kaushik, GoI Nominee Director Member
4. Shri Balmukund Sahay, Part-time Non Official Director Member
5. Shri Vishvesh Kumar Goel, Part-time Non Official Director Member

Invitees:
1. Shri V V Shenoy, Executive Director
2. Shri Imran Amin Siddiqui, Executive Director
3. Shri Rajesh Mahajan, Domain Expert (Special Invitee)
4.3.2 Details of meetings:
The Committee met 6 times during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the

Date of meeting Number of Directors Attended the meeting
No. Risk Management Committee of Board
1. 28.06.2021 5 5
2. 26.08.2021 4 4
3. 24.11.2021 4 3
4. 10.03.2022 6 5
5. 23.03.2022 6 5
6. 30.03.2022 6 4

4.4 Committee of Directors (COD) on Vigilance:

The Vigilance Committee was constituted on January 12, 1991. The Vigilance Committee meets once in a quarter to review
any outstanding disciplinary cases and departmental enquiries. The Committee is re-constituted from time to time.

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4.4.1 Composition of the Committee of Directors (COD) on Vigilance:
The members of Committee of Directors (COD) on Vigilance as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member
5. Shri Sanjeev Kaushik, GOI Nominee Director Member
6. Dr. Aditya Gaiha, RBI Nominee Director Member

4.4.2 Details of meetings:

The Committee held four (4) meetings during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the

Date of meeting
No.
1 29.06.2021
2 27.08.2021
3 24.11.2021
4 30.03.2022
Number of Directors Attended the meeting
Committee of Directors (COD Vig)
6 5
5 5
6 5
6 3

4.5 Stakeholders' Relationship Committee of the Board:

The Committee was constituted with effect from November 23, 2006 to carry out such functions that are required for the
redressal of Shareholders’ and investors’ complaints, including but not limited to transfer of shares, non-receipt of
dividends, Annual Report and any other grievance that a shareholder or investor of the Bank may have against the Bank.
The Committee was reconstituted from time to time.
4.5.1 Composition of the Stakeholders' Relationship Committee of the Board:
The members of Stakeholders’ Relationship Committee of the Board as on 31.03.2022 were as under:

1. Shri Balmukund Sahay, Part-time Non Official Director Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member

4.5.2 Function of Stakeholders' Relationship Committee of the Board:

The role of the committee, inter-alia, include the following:

Ÿ Resolving the grievances of the security holders of the Bank including complaints related to transfer, transmission of
shares, non-receipt of Annual Report, non-receipt of declared dividends, issue of new, duplicate certificates, general
meetings etc.

Ÿ Review of measures taken for effective exercise of voting rights by shareholders.

Ÿ Review of adherence to the service standards adopted by the Bank in respect of various services being rendered by the
Registrar & Share Transfer Agent.

Ÿ Review of the various measures and initiatives taken by the Bank for reducing the quantum of unclaimed dividends and
ensuring timely receipt of Dividend Warrants, Annual Reports, Statutory Notices by the shareholders of the Bank.

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4.5.3 Details of meetings
The Committee held three (3) meetings during the period from 01.04.2021 to 31.03.2022 as detailed below:
Sl. Number of Directors on the
Date of meeting Number of Directors Attended the meeting
No. Stakeholders’ Relationship Committee
1 08.06.2021 4 4
2 29.09.2021 3 3
3 25.03.2022 4 4

4.6 IT Strategy Committee:

IT Strategy Committee was set up to look into the technological upgradation requirements of the Bank and recommend a
strategic plan with clearly defined milestones. The committee is re-constituted from time to time.
4.6.1 Composition of the IT Strategy Committee (IT Com.):
The members of the IT Strategy Committee (IT Com.) as on 31.03.2022 were as under:

1. Shri Vishvesh Kumar Goel, Part-time Non Official Director Chairman

2. Shri S. L. Jain, MD & CEO Member
3. Shri V V Shenoy, Executive Director Member
4. Shri Imran Amin Siddiqui, Executive Director Member
5. Shri Ashwani Kumar, Executive Director Member
6. Shri Sanjeev Kaushik, GOI Nominee Director Member
7. Dr. Bharath Krishna Sankar Shareholder Director Member
8. Ms. Papia Sengupta, Shareholder Director Member
Representative of IDRBT, domain expert is Special Invitee to Committee meetings.
4.6.2 Details of meetings:
This Committee held seven (7) meetings during the period from 01.04.2021 to 31.03.2022, as detailed below:

Sl. Number of Directors on the

Date of meeting Number of Directors Attended the meeting
No. IT Strategy Committee of Board
1. 08.06.2021 6 5
2. 15.07.2021 5 5
3. 11.08.2021 5 4
4. 24.11.2021 7 6
5. 16.02.2022 8 7
6. 10.03.2022 8 6
7. 23.03.2022 8 7
4.7 Special Committee (Monitoring of Large Value Frauds):
The Committee was constituted on January 31, 2004 for monitoring frauds of Rs.1 (one) crore and above. The Committee
was reconstituted from time to time.
4.7.1 Composition of Special Committee (Monitoring of Large Value Frauds):
The members of the Special Committee (Monitoring of Large Value Frauds) as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member
5. Shri Sanjeev Kaushik, GoI Nominee Director Member
6. Dr. Bharath Krishna Sankar, Shareholder Director Member
7. Shri Balmukund Sahay, Part-time Non Official Director Member

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4.7.2 Details of meetings:
The Special Committee (Monitoring of Large Value Frauds) held two (2) meetings during the period from 01.04.2021 to
31.03.2022 as detailed below:

Sl. Number of Directors on the Special Committee Number of Directors

Date of meeting
No. (Monitoring of Large Value Frauds) Attended the meeting
1 29.09.2021 5 4
2 16.02.2022 7 6

4.8 Customer Service Committee of the Board:

The Customer Service Committee was constituted on August 24, 2004 and is re-constituted from time to time. The functions
of the Customer Service Committee include the following:
Ÿ To look into the simplification of procedures and practices with a view to safeguarding the interest of common persons
Ÿ To review the systems in place for providing service to the customers and
Ÿ To review the regulations and procedures prescribed by Reserve Bank of India that impinge on customer service of
banks.
4.8.1 Composition of Customer Service Committee of the Board:
The members of Customer Service Committee of the Board as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member
5. Shri Balmukund Sahay, Part-time Non Official Director Member

4.8.2 Details of meetings:

The Committee held four (4) meetings during the period 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the Number of Directors

Date of meeting
No. Customer Service Committee Attended the meeting
1. 08.06.2021 5 5
2. 29.09.2021 4 4
3. 27.12.2021 5 5
4. 23.02.2022 5 5

4.9 Nomination and Remuneration Committee of the Board:

Nomination and Remuneration Committee was constituted in the Bank on 27.11.2019 based on RBI / DFS guidelines for
determining the ‘Fit and Proper’ status of persons to be elected as Shareholder Director on the Board. The Committee is
re-constituted from time to time.
4.9.1 Composition of Nomination and Remuneration Committee of the Board:
The members of the Remuneration Committee of the Board as on 31.03.2022 were as under:

1. Shri Vishvesh Kumar Goel, Part-time Non Official Director Chairman

2. Dr. Bharath Krishna Sankar, Shareholder Director Member
3. Ms. Papia Sengupta, Shareholder Director Member

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4.9.2 Details of meetings:
No meeting of the Committee was held during the period 01.04.2021 to 31.03.2022.
4.10 Board Committee for Performance Evaluation:
The committee was constituted on 27.11.2019 for approval of KRAs of GMs and EDs and to set up KRAs of MD & CEO for
recommending to Board. The Committee is re-constituted from time to time.
4.10.1 Composition of Board Committee for Performance Evaluation:
The members of the Board Committee for Performance Evaluation as on 31.03.2022 were as under:
1. Shri Sanjeev Kaushik, GoI Nominee Director Chairman
2. Dr. Bharath Krishna Sankar, Shareholder Director Member
3. Ms. Papia Sengupta, Shareholder Director Member

4.10.2 Details of meetings:

The Committee held two (2) meetings during the period 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the Number of Directors

Date of meeting
No. Committee for Performance Evaluation Attended the meeting
1 25.11.2021 3 3
2 21.03.2022 3 3

4.11 Share Transfer Committee:

Pursuant to Regulation 2A of the Indian Bank (Shares and Meetings) Regulations, 1999, the Share Transfer Committee of
the Bank was constituted on March 13, 2007. The Committee is re-constituted from time to time.
4.11.1 Composition of Share Transfer Committee:
The members of the Share Transfer Committee of the Board as on 31.03.2022 were as under:

1. Shri V V Shenoy, Executive Director Chairman

2. Shri Imran Amin Siddiqui, Executive Director Member
3. Shri Ashwani Kumar, Executive Director Member
4. Dr. Bharath Krishna Sankar, Shareholder Director Member
5. Shri Balmukund Sahay, Part-time Non Official Director Member
4.11.2 Details of meetings:
The Committee held one (1) meeting during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors on the Number of Directors

Date of meeting
No. Share Transfer Committee Attended the meeting
1 23.02.2022 5 5

4.12 Credit Approval Committee of the Board:

The Credit Approval Committee was constituted on 04.04.2012 by the Bank as per the Government of India Notification No.
S.O.2736 (E) dated 05.12.2011 to be a sanctioning body below MCB to exercise such powers delegated to it by Board with
regard to credit proposals / compromise proposals / write off proposals within the framework spelt out by Government of
India. The Committee was reconstituted from time to time.
4.12.1 Composition of the Credit Approval Committee of the Board:
The Credit Approval Committee of the Board consists of the following:-

Ÿ Managing Director & Chief Executive Officer

Ÿ Executive Directors

Ÿ General Manager (Corporate Credit)

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 Ÿ General Manager (Mid Corp. / MSME)
Ÿ General Manager (Finance / Accounts)
Ÿ General Manager (submitting the Credit & Expenditure proposals)
Ÿ General Manager (CRO) and CCO are attendees.
As different General Managers / Department Heads deals with Credit & Expenditure Proposals, the General Manager /
Department Head concerned become member of the Committee for the respective proposal.
4.12.2 Details of meetings:
The Credit Approval Committee held thirty three (33) meetings during the period from 01.04.2021 to 31.03.2022, as detailed
below:

Sl. Number of members on the

Date of meeting Number of Directors Attended the meeting
No. Credit approval Committee of Board
1. 30.04.2021 4 4
2. 21.05.2021 4 4
3. 28.05.2021 4 4
4. 15.06.2021 4 4
5. 30.06.2021 4 4
6. 09.07.2021 3 3
7. 23.07.2021 3 3
8. 06.08.2021 3 3
9. 19.08.2021 3 3
10. 07.09.2021 3 3
11. 22.09.2021 3 3
12. 29.09.2021 3 3
13. 01.10.2021 3 3
14. 30.10.2021 4 4
15. 03.11.2021 4 4
16. 16.11.2021 4 4
17. 23.11.2021 4 3
18. 29.11.2021 4 4
19. 07.12.2021 4 4
20. 16.12.2021 4 4
21. 28.12.2021 4 4
22. 30.12.2021 4 4
23. 11.01.2022 4 4
24. 20.01.2022 4 4
25. 09.02.2022 4 4
26. 23.02.2022 4 4
27. 02.03.2022 4 3
28. 09.03.2022 4 4
29. 15.03.2022 4 4
30. 24.03.2022 4 4
31. 28.03.2022 4 3
32. 30.03.2022 4 3
33. 31.03.2022 4 4

4.13 Review Committee for Non Co-operative Borrowers :

The Review Committee for Non Cooperative Borrowers was constituted on 23.01.2015 to review / confirm the orders of the
Screening Committee for Non Cooperative Borrowers classifying the borrower as Non-Cooperative Borrower as per RBI
guidelines and is re-constituted from time to time.

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4.13.1 Composition of the Review Committee for Non Cooperative Borrowers:
The members of the Review Committee for Non Cooperative Borrowers (RCNCB) as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Ms. Papia Sengupta, Shareholder Director Member
3 Shri Vishvesh Kumar Goel, Part-time Non Official Director Member

4.13.2 Details of meetings:

The Committee held one (1) meeting during the period from 01.04.2021 to 31.03.2022 as detailed below:
Sl. No. Date of meeting Number of Directors on the RCNCB Number of Directors Attended the meeting
1. 02.02.2022 3 3

4.14 Board Level Appellate Committee for Disciplinary Cases:

The Board Level Appellate Committee for Disciplinary Cases was constituted on 15.12.2014 one level above the authority
of Chairman & Managing Director of the Bank whose decision is appealed against. The Committee is re-constituted from
time to time.
4.14.1 Composition of Board Level Appellate Committee for Disciplinary Cases:
The members of the Board Level Appellate Committee of the Board as on 31.03.2022 were as under:
1. Shri Balmukund Sahay, Part-time Non Official Director Chairman
2. Dr. Bharath Krishna Sankar, Shareholder Director Member
3. Ms. Papia Sengupta, Shareholder Director Member
4. Shri Vishvesh Kumar Goel, Part-time Non Official Director Member
4.14.2 Details of meetings:
No meeting of the committee was held during the period 01.04.2021 to 31.03.2022.
4.15 HR Committee:
The HR Committee of the Board was constituted on June 29, 2012 to discuss and decide upon critical issues in HR every
quarter. The committee is re-constituted from time to time.
4.15.1 Composition of the HR Committee:
The members of the HR Committee of the Board as on 31.03.2022 were as under:
1. Shri S. L. Jain, MD & CEO Chairman
2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui, Executive Director Member
4. Shri Ashwani Kumar, Executive Director Member
5. Shri Sanjeev Kaushik, GOI Nominee Director Member
6. Dr. Bharath Krishna Sankar, Shareholder Director Member
7. Shri Balmukund Sahay, Part-time Non Official Director Member
Special Invitees: 1. Shri Kamlesh R. Patel (HR Expert) 2. Prof. Vasanthi Srinivasan (HR Expert)
4.15.2 Details of meetings:
The Committee met four (4) times during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. Number of Directors

Date of meeting Number of Directors Attended the meeting
No. on HR Committee
1. 15.07.2021 5 5
2. 24.11.2021 6 5
3. 02.02.2022 7 7
4. 21.03.2022 7 6

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4.16 Review Committee for Willful Defaulters:

Review Committee for Willful Defaulters was constituted on 30.03.2015. The committee will review the orders of the
Screening Committee identifying borrowers as wilful defaulters. The Committee is re-constituted from time to time.

4.16.1 Composition of the Review Committee of Willful Defaulters:

The members of the Review Committee of Willful Defaulters as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Dr. Bharath Krishna Sankar, Shareholder Director Member

3. Ms. Papia Sengupta, Shareholder Director Member

4.16.2 Details of meetings:

The Committee met five (5) times during the period from 01.04.2021 to 31.03.2022 as detailed below:

Sl. No. Date of meeting Number of Directors on Review Committee Number of Directors
of Willful Defaulters Attended the meeting
1. 26.08.2021 3 3
2. 02.02.2022 3 3
3. 16.02.2022 3 3
4. 14.03.2022 3 3
5. 30.03.2022 3 3

4.17 Committee for Monitoring of Recovery:

The Committee for Monitoring of Recovery was constituted on 18.12.2012 by the Bank for the purpose of monitoring the
progress made by the Bank in NPA recovery and to review the functioning of various Committees such as SAC, Sale of
Assets Committee and other field level functionaries in the Bank. The Committee is re-constituted from time to time.

4.17.1 Composition of the Committee for Monitoring of Recovery:

The members of Committee for Monitoring of Recovery as on 31.03.2022 were as under:

1. Shri S. L. Jain, MD & CEO Chairman

2. Shri V V Shenoy, Executive Director Member
3. Shri Imran Amin Siddiqui ,Executive Director Member
4. Shri Ashwani Kumar ,Executive Director Member
5. Shri Sanjeev Kaushik, GOI Nominee Director Member
6. Ms. Papia Sengupta, Shareholder Director Member
7. Shri Vishvesh Kumar Goel, Part-time Non Official Director Member

4.17.2 Details of meetings:

The Committee held three (3) meetings during the period from 01.04.2021 to 31.03.2022 as detailed below:
Sl. Number of Directors on the Committee Number of Directors
Date of meeting
No. for Monitoring of Recovery Attended the meeting
1. 29.06.2021 5 5
2. 24.11.2021 6 5
3. 24.02.2022 7 6
5. Remuneration to Directors :
The remuneration including travelling and halting expenses to non-Executive Directors are paid as stipulated by the Central
Government in consultation with Reserve Bank of India from time to time in terms of Clause 17 of the Nationalized Banks
(Management and Miscellaneous Provisions) Scheme, 1970 (as amended).
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The Managing Director & CEO and Executive Directors (whole time directors) are paid remuneration by way of salary as per rules
framed by the Government of India. The details of remuneration paid to the Managing Director & CEO and Executive Director/s are
as under:
Incentives/ 1 day PL
Dearness Leave Encashment
Sl. Basic Pay Arrear PF Other Total
Allowance on
No.
Name (`) (`) (`) allowances Encashment Retirement (`)
(`) to PM Relief
(`) Fund (`) (`)

1. Shri. S.L. Jain, MD & CEO 1437800.00 433394.00 12324.00 143780.00 - - - 2027298.00
2. Ms. Padmaja Chunduru, Ex- MD & CEO 1102500.00 236793.00 13464.00 110250.00 127471.50 - 2439059.55 4029538.05
3. Shri V V Shenoy, Executive Director 2301600.00 611520.00 23184.00 230160.00 109746.00 - - 3276210.00
4. Shri K.Ramachandran,
Ex- Executive Director 562800.00 95676.00 - 56280.00 109746.00 - 2194920.00 3019422.00
5. Shri Imran Amin Siddiqui,
Executive Director 2121600.00 562224.00 21216.00 212160.00 82714.66 - - 2999914.66
6. Shri Ashwani Kumar, Executive Director 946735.48 291605.94 11569.16 94673.00 540004.23 - - 1884588.36

At present, the Bank does not have Stock Option Plan for its directors.
The Salary and incentives paid to the Whole Time Directors are as per Government of India guidelines.
As per Government of India guidelines, the Non-Executive Directors are being paid a sitting fee of `40,000/- for attending Board
Meetings and `20,000/- for Committee Meetings, `10,000/- extra for chairing Board Meetings and `5,000/- for chairing Committee
Meetings with effect from 18.01.2019 (Subject to `15 lakh per annum). Sitting fees are, however, not paid to the Managing Director &
CEO, Executive Directors of the Bank, Government Nominee Director and Government nominated RBI Nominee Director
appointed / nominated under Section 9(3)(b) & 9(3)(c) of the Banking Companies (Acquisition and transfer of Undertakings) Act,
1970 respectively.
6. Familiarization Programmes:
Details of familiarization programmes imparted to independent Directors are available on Bank’s website, www.indianbank.in.

7. General Body Meetings:

7.1 Particulars of past three Annual General Meetings of the Bank:

Nature of
Date and Time Venue Purpose
Meeting
Thirteenth Annual Thursday, 27th IMAGE, MRC Nagar, To discuss, approve and adopt the Audited Balance Sheet of
General Meeting June, 2019 at Raja Annamalaipuram, the Bank as at March 31, 2019, the Profit and Loss account
10.30 a.m. Chennai- 600 028 for the year ended on that date, the Report of the Board of
Directors on the working and activities of the Bank for the
period covered by the Accounts and the Auditors' Report on
the Balance Sheet and Accounts.
th To discuss, approve and adopt the Audited Balance Sheet of
Fourteenth Annual Friday, 07 Through Video
the Bank as at March 31, 2020, the Profit and Loss account
General Meeting August, 2020 at Conferencing (VC) /
11.00 a.m for the year ended on that date, the Report of the Board of
Other Audio Visual
Directors on the working and activities of the Bank for the
Means (OAVM)
period covered by the Accounts and the Auditors' Report on
the Balance Sheet and Accounts.
th
Through Video 1.To discuss, approve and adopt the Audited Balance Sheet
Fifteenth Annual Friday, the 16
Conferencing (VC) / of the Bank as at March 31, 2021, the Profit and Loss
General Meeting July, 2021 at
Other Audio Visual account for the year ended on that date, the Report of the
11.00 a.m.
Means (OAVM) 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 declare dividend on Equity Shares.

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7.2 No special resolution was passed in aforementioned three Annual General Meetings.

7.3 The following Directors were present in the last Annual General Meeting of the Bank held on 16.07.2021:

Ms. Padmaja Chunduru Ex - MD & CEO

Shri V V Shenoy Executive Director

Shri Imran Amin Siddiqui Executive Director

Shri S K Panigrahy Ex - RBI Nominee Director

Dr. Bharath Krishna Sankar Shareholder Director

No Special Resolution was passed by postal ballot during the financial year 2021-22.

8. Whistle Blower Policy/Vigil Mechanism:

The Bank is committed to the highest standards of ethics, integrity and professionalism in all the activities and operations
that it conducts and has defined systems and procedures in place to root out corruption, malpractices and abuse of authority
by the employees / officers in the Bank. The Bank encourages an open and transparent system of working and dealings
between the members of staff / officers, customers and members of general public coming into contact with the Bank.

The Bank comes within the purview of Central Vigilance Commission. As such, the Bank has framed a Whistle Blower
Policy in line with the Govt. of India guidelines in this regard. The policy namely ‘Whistle Blower Policy’ aims at quickly
spotting aberrations and dealing with it in the shortest possible time. It has been disseminated among the employees and
officers of the Bank ensuring them full confidentiality against disclosure of names and protection to the Whistle Blower
against any personal vindictive actions such as humiliation, harassment or any other form of unfair treatment or subjecting
to any kind of loss on account of his public interest disclosures. The content of the policy is made available on Bank’s
website, www.indianbank.in

No personnel of the Bank have been denied access to the Audit Committee.

9. Disclosures:

(a) Other than those in the normal course of banking business, the Bank has not entered into any materially significant
transactions with its Promoter / Directors, Management, their relatives etc. that may have potential conflict with the
interest of the Bank at large.

(b) The Bank has complied with the requirements regarding capital market and no penalty or stricture whatsoever has
been imposed by the Stock Exchanges or SEBI.

(c) The Bank being one of the Nationalized Banks, has complied with the requirement of SEBI (Listing Obligations and
disclosure Requirements) Regulations, 2015 to the extent applicable/compliable.

(d) The Bank has formulated a ‘Policy for determining Material Subsidiary’ and the same is available on Bank’s website,
www.indianbank.in.

(e) The Bank is having two listed subsidiaries namely, Indbank Merchant Banking Services Limited and Ind Bank Housing
Limited. None of them are ‘material subsidiary of the Bank. Besides the two subsidiaries, the Bank also has two joint
ventures namely, Universal Sompo General Insurance Company Ltd. and Asrec (India) Ltd.

(f) In line with the Sexual Harassment of Women at work place (Prevention, Prohibition and Redressal) Act, 2013 and
Rules made thereunder, the Bank has formulated a policy for prevention of Sexual Harassment of Women at
workplace. During the financial year 2021-22, no such complaint was received.

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 (g) A Certificate from a Company Secretary in practice certifying that none of the Directors on the Board of the Bank have
been debarred or disqualified from being appointed or continuing as Directors of the Bank by SEBI/Ministry of
Corporate Affairs or any such Statutory/Regulatory Authority is attached and form part of the report.

(h) The certificate issued by the Statutory Central Auditors of the Bank, regarding compliance of conditions of Corporate
Governance in terms of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 is annexed to
this report.

(I) Total Professional Fee and other expenses paid to Statutory Central Auditors for the Financial Year 2020-21 is
`304.85 lakh.

(j) A Compliance Certificate from the Managing Director & CEO of the Bank and Chief Financial Officer as stipulated in
Regulation 33(2) read with Regulation 17(8) of Securities and Exchange Board of India (Listing Obligations and
Disclosure Requirements) Regulations,2015 has been placed before the Board and is annexed to the Annual Report.

(k) commodity price risks and commodity hedging activities - Not Applicable.

(l) Discretionary requirements:

The details regarding adoption of discretionary requirements specified in Part E of Schedule II of SEBI (LODR)
Regulations, 2015, as amended, is as under:

Requirement Compliance
A. Board:
A non-executive Chairperson may be entitled to maintain a Not applicable
chairperson’s office at the listed entity’s expense and also
allowed reimbursement of expenses incurred in performance of
his duties.

B. Shareholder rights: The half-yearly results had been published in the

A half-yearly declaration of financial performance including newspapers, uploaded in on Bank’s website and is are
summary of the significant events in last six-months, may be sent available on the websites of Stock Exchanges, NSE & BSE.
to each household of shareholders.

C. Modified Opinion(s) in audit report: The audit report on the financial statements of the Bank for
The listed entity may move towards a regime of financial FY 2021-22 has unmodified opinion.
statements with unmodified audit opinion.

D. Separate posts of Chairperson and Chief Executive Appointment of Chairman is to be made by Government of
Officer: India
The listed entity may appoint separate persons to the post of
chairperson and the Managing Director or Chief Executive
Officer

E. Reporting of internal auditor: The concurrent auditors / inspectors of branches reports are
The internal auditor may report directly to the audit committee consolidated and placed before the Audit Committee of the
Bank periodically.

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10. Means of Communication:
The Bank appreciates the benefit accruing to the society with the advent and advancement of technology and means of
communications and further recognizes the need of keeping its stakeholders informed of the events of their interest. The
quarterly / half yearly / annual financial results of the Bank are submitted to the Stock Exchanges namely, NSE and BSE,
where the equity shares of the Bank are listed. The Financial Results are published in one national newspaper (English),
one national newspaper (Hindi) and one regional language newspaper based at Chennai as per statutory requirement.
During the financial year 2021-22, the quarterly / half yearly financial results were published in leading newspapers namely
“Financial Express (English), Business Standard (English), Jansatta (Hindi), Business Standard (Hindi), Dinamani (Tamil)
etc. The results are also displayed on the website of the Bank www.indianbank.in.
The presentation made to the analysts / institutional investors if any, is also hosted on the Bank’s website,
www.indianbank.in .
11. General Shareholders Information:
th
11.1 Particulars of 16 Annual General Meeting:
Day and Date Wednesday, the 22nd June 2022
Time 11.00 a.m.
Venue AGM will be held through Video Conferencing (VC) / Other Audio Visual Means (OAVM), as such
the Bank's Corporate Office at 254-260, Avvai Shanmugam Salai, Royapettah, Chennai-600014 will
be the deemed venue for AGM.
11.2 Financial Year and Calendar for Publication of Financial Results (Tentative):
The Financial Year of the Bank is April to March.
Approval of quarterly results for the period ending
June 30, 2022 - July - August, 2022
September 30, 2022 - October - November, 2022
December 31, 2022 - January - February, 2023
March 31, 2023 - Audited Annual Accounts: April - May, 2023
11.3 Record Date for Dividend Payment and Dividend Payment Date :
th th
Record Date - Wednesday, the 15 June, 2022, Dividend Payment Date - 15 July, 2022
11.4 Date of Annual Book Closure for the purpose of AGM and Dividend Payment:
th nd
Book Closure - Thursday, the 16 June, 2022 to Wednesday, the 22 June, 2022 (Both days inclusive).
11.5 Dividend:
The Board of directors of the Bank has recommended a dividend of `6.50 per equity share i.e. 65% of paid up equity capital
of the Bank for Financial Year 2021-22.
11.6 Listing:
The equity shares of the Bank are listed with National Stock Exchange of India Ltd. (NSE) and BSE Ltd. (BSE). The other
details are as under :

Stock Exchange Stock Code Date of Listing

National Stock Exchange of India Ltd. (NSE), Exchange Plaza, Plot No. C.1, INDIANB 01.03.2007
G-Block, Bandra Kurla Complex, Bandra (E), Mumbai-400051
BSE Ltd. (BSE), P. J. Towers, Dalal Street, Mumbai- 400001 INDIANB / 532814 01.03.2007

The advance Annual Listing fee for the financial year 2022-23 has already been remitted to the above Stock Exchanges.
11.7 Compliance Officer
Shri Dina Nath Kumar, Asst. General Manager & Company Secretary has been designated as Compliance Officer of the
Bank.

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11.8 Market Price Data:
The monthly high and low quotations and the volume of shares traded on National Stock Exchange of India Ltd.(NSE) and
BSE Ltd. (BSE) during the financial year 2021 -22 were as under:

NSE BSE Total

Month High Low Volume High Low Volume Volume
(`) (`) (Nos. in lacs) (`) (`) (Nos. in lacs) (Nos. in lacs)
Apr-21 122.65 96.05 528.30 122.50 96.20 37.07 565.37
May-21 149.00 107.05 1263.11 148.85 107.00 81.33 1344.44
Jun-21 155.50 133.35 1068.53 155.45 133.30 67.18 1135.71
Jul-21 145.80 134.25 607.75 146.05 137.35 40.77 648.52
Aug-21 143.50 115.10 487.77 143.50 119.40 25.32 513.09
Sep-21 144.30 121.15 616.39 144.20 125.00 39.32 655.72
Oct-21 194.95 137.05 1909.22 194.80 141.15 142.89 2052.11
Nov-21 184.60 141.00 809.18 184.60 147.15 66.99 876.16
Dec-21 165.90 133.25 587.59 165.55 137.55 44.52 632.11
Jan-22 160.70 130.90 606.51 160.35 136.40 44.91 651.42
Feb-22 178.70 135.00 1032.98 178.70 143.90 67.41 1100.39
Mar-22 157.20 131.50 482.84 157.50 139.10 29.56 512.41

11.9 Performance of Bank’s share in comparison with the movement of INDEX (Nifty- 50 & S&P BSE Sensex) is shown
hereunder:

Closing Share Price of S&P BSE Sensex

Date Nifty-50 (Closing)
Bank at NSE (`) (Closing)
Apr-21 110.00 14631.10 48782.36
May-21 139.95 15582.80 51937.44
Jun-21 144.70 15721.50 52482.71
Jul-21 139.00 15763.05 52586.84
Aug-21 125.00 17132.20 57552.39
Sep-21 140.35 17618.15 59126.36
Oct-21 172.10 17671.65 59306.93
Nov-21 142.80 16983.20 57064.87
Dec-21 139.60 17354.05 58253.82
Jan-22 156.70 17339.85 58014.17
Feb-22 143.15 16793.90 56247.28
Mar-22 153.90 17464.75 58568.51

11.10 Registrar and Share Transfer Agent:

Cameo Corporate Services Limited, Subramanian Building 1, Club House Road, Chennai - 600 002 is the Bank’s Registrar
and Share Transfer Agent for equity shares of the Bank.
11.11 Share Transfer System:
(i) In terms of Regulation 40(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015, as
amended, requests for effecting transfer, transmission or transposition of Shares/Securities shall not be processed by
the Bank’s RTA / Bank unless the Shares/Securities are held in dematerialized form.
(ii) Shareholders who are holding shares in physical form and desirous of transferring the same can do so only after the
shares are dematerialized.

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11.12 Distribution of shareholding as on 31.03.2022:

Number of Percentage of Total Percentage of Total

Shareholding Number of Shares
shareholders shareholders (%) Shares (%)
1 - 500 331848 93.00 26109330 2.10
501 - 1000 13757 3.86 10714705 0.86
1001 - 2000 6607 1.85 9749280 0.78
2001 - 3000 1706 0.48 4318368 0.35
3001 - 4000 731 0.20 2606189 0.21
4001 - 5000 667 0.19 3150932 0.25
5001 - 10000 807 0.23 5797986 0.46
10001 & above 694 0.19 1182994349 94.99
Total 356817 100.00 1245441139 100.00
11.13 Dematerialization of shares:
The Bank's shares are compulsorily traded in demat form. The ISIN code of Bank’s Equity Shares is INE562A01011.
As on 31.03.2022, 1243955102 equity shares constituting 99.88% of the equity shares are in dematerialized form.
Particulars of shares in Demat and Physical form held by the shareholders as on 31.03.2022 are as under:

Shares held in Number of % of shareholders Number of shares % of shareholding

shareholders
Physical form 42701 11.97 1486037 0.12
Dematerialized form NSDL 178875 50.13 212532201 17.06
CDSL 135241 37.90 1031422901 82.82
Total 356817 100.00 1245441139 100.00

The Equity holding of Govt. of India as on 31.03.2022 is 994549600 equity shares of Rs.10/- each, which constitutes 79.86% of the
paid up capital of the Bank.

11.14 There are no outstanding GDRs / ADRs / Warrants or any Convertible instruments as on date.

11.15 Foreign Exchange Risk and Hedging Activities:

Being in banking business with overseas presence, the Bank is exposed to Foreign Exchange Risk. However, exposure of
the Bank to foreign currencies is not significant and currency gaps are within its internal prudential limits. Foreign exchange
spot and forward contracts outstanding as at the balance sheet date and held for trading are revalued at the closing spot and
forward rates respectively notified by FEDAI and at interpolated rates for contracts of interim maturities.

With regard to unhedged Foreign Currency Exposure, the Bank has estimated its liability on the basis of declaration from
borrowers and the same has been provided for as per RBI guidelines. Based on the available data, available financial
statements and the declaration from borrowers wherever received, the Bank has estimated the liability of Rs. 3.88 crore up
st
to 31 March, 2022 (previous year `9.48 crore) on Unhedged Foreign Currency Exposure to their constituents in terms of
th
RBI circular DBOD. No.BP.BC.85/21.06.200/2013- 14 dated 15 January 2014 and subsequent clarification vide circular
rd
no. DBOD.No.BP.BC.116/21.06.200/2013-14 dated 3 June, 2014. The entire estimated amount has been fully provided
for.

11.16 Dividend Distribution Policy:

Dividend Distribution Policy of the Bank is available on the Bank’s website, www.indianbank.in.

11.17 Utilization of Fund raised by the Bank through Qualified Institutions Placement (QIP):

During FY 2021-22, the Bank raised equity capital aggregating to `1650/- crore including premium through issue and
allotment of 11,60,74,569 new Equity Shares of face value of `10.00 each to eligible Qualified Institutional Buyers (QIB) in
June, 2021 at an issue price of `142.15 per share including a premium of `132.15 per Equity share.

The Issue Proceeds of said QIP has been utilized by the Bank to augment Tier 1 capital requirement under Basel III norms
of RBI to support growth and for general corporate requirements of the Bank.

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12. Share Transfer and Redressal of Investors’ Grievance:

The Bank has appointed Cameo Corporate Services Limited as the Registrar and Share Transfer Agent for recording the
shareholders’ requests, resolution of investors’ grievances, amongst other activities connected with the change of address,
transfer / transmission of shares, change of mandate etc. For the convenience of the investors, grievance / complaints from
them are also accepted at the Bank’s Corporate Office in Chennai. Pursuant to extant SEBI guidelines, transfer requests for
shares held in physical form are not being processed with effect from 01.04.2019.

Shareholders should contact their Depository Participant (DP) directly for updating the records in case of any change in
address and / or Bank mandate (Name of Bank, Address, Account No, MICR Code etc.) for shares held in Dematerialized
form.

The shareholders may lodge their requests / complaints either with the Bank’s Registrar and Share Transfer Agent (RTA) or
with the Bank at the following address :

Cameo Corporate Services Limited The Company Secretary

(Unit: Indian Bank) Investor Services Cell
Subramanian Building Indian Bank, Corporate Office ,
1, Club House Road 254-260, Avvai Shanmugam Salai
Chennai - 600 002. Royapettah, Chennai - 600 014.
Telephone : (91 44) 28460718 Tele: 044 28134076
Fax : (91 44) 28460129 Fax: 044-28134075
Email: investor@cameoindia.com Email: investors@indianbank.co.in

12.1 Number of Investor complaints received, resolved and pending:

The shareholders’ complaints received by the Bank are forwarded to Bank’s RTA for redressal. The details of requests /
complaints received and resolved during the financial year 2021-22 and pending as on 31.03.2022 are as follows:-

Pending as on Received during Resolved during Pending as

01.04.2021 FY 2021-22 FY 2021-22 on 31.03.2022
Number of Complaints / requests Nil 77 76 01

13. Disclosure with respect to Demat Suspense Account / Unclaimed Suspense Account:
The details of unclaimed shares lying in the Demat Suspense Account are as under:

Aggregate number of shareholders and the outstanding shares in the Shareholders - 33

suspense account lying at the beginning of the year i.e. on 01.04.2021 Shares - 3862

Number of shareholders who approached listed entity for transfer of shares

from suspense account during the year Nil

Number of shareholders to whom shares were transferred from suspense

account during the year Nil

Aggregate number of shareholders and the outstanding shares in the Shareholders - 33

Suspense Account lying at the end of the year i.e. 31.03.2022 Shares - 3862

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 The voting rights in respect of the unclaimed / outstanding shares will remain frozen till the claim by the rightful owner. On the receipt
of valid claim from the rightful owner, the shares lying in the Demat Suspense account are credited in the demat account of claimant.
14. Shareholding Pattern (as on 31.03.2022):
Shareholder Category No. of Shareholders No. of Shares held % of Shareholding
Government of India (President of India) - Promoter 1 994549600 79.86
Mutual Funds* 18 87307716 7.01
Foreign Portfolio Investor(FPI) and
Foreign Institutional Investor ( FII)* 66 21469378 1.72
Alternate Investment Funds 2 5226605 0.42
Insurance Companies* 10 45936600 3.69
Financial Institutions / Banks 2 248 0.00
Resident Individual 309933 63666916 5.11
Body Corporate 962 7545454 0.61
Directors and their relatives 6 7890 0.00
Employees 31855 14033535 1.13
Clearing Members 128 845458 0.07
Hindu Undivided Family(HUF) 3645 2579378 0.21
NRI 3039 2162179 0.17
Trust 17 102299 0.01
Central Government / State Government(s) /
President of India- Non Promoter 1 4021 0.00
Unclaimed Shares Demat Suspense Account 2 3862 0.00
Total 349687 1245441139 100.00
* Consolidated on common PAN basis
15. Payment of Dividend through National Automated Clearing House (NACH):
National Automated Clearing House (NACH) is a centralized system implemented by National Payment Corporation of
India which facilitates direct credit of the dividend amount to the investors into his / her Bank Account. The Bank is offering
the services to the shareholders with an option to avail the facility for direct credit of the dividend in their Bank account.
However, the Bank account of the shareholders should be in Core Banking Solution (CBS) Branch of Bank/s.
16. Unclaimed Dividend, If Any:
As per section 10B of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, any money which is
transferred to unpaid dividend account and remains unpaid/unclaimed for a period of seven years from the date of such
transfer shall be transferred to "Investor Education and Protection Fund" established under section 205C /125 of the
Companies Act, 1956/2013.
Pursuant to the directives / guidelines of the Government of India, Ministry of Finance vide their letter No.F.No.7/93/2013-
BOA dated 21.05.2014, the unpaid and unclaimed dividend amounts of the Bank upto the Financial Year 2013-14 have
been transferred to "Investor Education and Protection Fund" of the Central Government.
The shareholders who have not encashed their dividend warrants, if any declared by the Bank for Financial Year 2014-15
and onwards are requested to lodge their valid claim(s) with Registrar and Share Transfer Agent, Cameo Corporate
Services Limited, Subramanian Building, No.1, Club House Road, Chennai - 600 002, along with his/her Bank details for
remittance of proceeds of the unpaid dividend warrant/s to him/her through NEFT/Direct Credit.
The details of the Unpaid Dividend Warrants have been made available on Bank’s website www.indianbank.in.
17. Related Party Transactions:
The Bank has not entered into any material related party transaction as defined under SEBI (Listing Obligations and
Disclosure Requirements) Regulations, 2015 during FY 2021-22. The policy on dealing with Related Party Transactions is
available on Bank’s website, www.indianbank.in.

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18. Details of Bonds / Debt Instruments issued by the Bank and outstanding as on 31.03.2022:
Details of Bonds issued by the Bank and outstanding as on 31.03.2022 are as under:

Amt. Outstanding Rating Name of Credit Name & Address of

Particulars ISIN (Rs. in crore) Rating Agency (ies) Bond Trustee
as on 31.03.2022
Basel III
Compliant AT
1 Bonds Series II INE562A08057 1048
CARE AA+/ Stable
Basel III
Compliant AT CRISIL AA+/ Stable
1 Bonds Series III INE562A08065 560

Basel III Axis Trustee

CARE Ratings Ltd. Services Ltd.,
Compliant A
& The Ruby, 2nd
1 Bonds Series IV INE562A08073 392
CRISIL Rating Ltd. Floor, SW 29,
Basel III Senapati Bapat
Compliant CARE AAA / Stable Marg, Dadar West,
Mumbai - 400 028
Tier 2 Bonds
Tranche A INE562A08024 290 CRISIL AAA / Stable

Basel III
Compliant
Tier 2 Bonds
Tranche B INE562A08032 110

Basel III
Compliant
Tier 2 Bonds
Tranche C INE562A08040 600
IDBI Trusteeship
Basel III CRISIL AAA / Stable CRISIL Ratings Ltd. Services Limited,
Compliant & Asian Building,
Tier 2 Bonds BWR AAA / Stable Brickwork Ratings Ground Floor, 17,
Series I INE428A08028 500 India Pvt. Ltd. R. Kamani Marg,
Ballard Estate,
Mumbai - 400 001.
Basel III CRISIL Ratings Ltd.
CRISIL AAA / Stable Axis Trustee
Compliant &
BWR AAA / Stable Services Ltd.,
Tier 2 Bonds Brickwork Ratings The Ruby, 2nd
Series II INE428A08044 1000 India Pvt. Ltd. Floor, SW 29,
Senapati Bapat
Basel III CARE AAA / Stable India Ratings and Marg, Dadar West,
Compliant INDR AA+ / Stable Research Pvt. Ltd. & Mumbai - 400 028
Tier 2 Bonds CARE Ratings Ltd.
Series III INE428A08051 1000

Basel III India Ratings and

Compliant CRISIL AAA / Stable
INDR AA+ / Stable Research Pvt. Ltd. &
Tier 2 Bonds CRISIL Ratings Ltd.
Series IV INE428A08101 1500

Basel III
CARE AAA / Stable CARE Ratings Ltd.
Compliant
CRISIL AAA / Stable &
Tier 2 Bonds
CRISIL Rating Ltd.
Series V INE562A08081 2000

Total 9000

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Other Credit Ratings:
In addition to the above, the Bank has also obtained Credit Rating for its Certificate of Deposits programme and rating from S&P
Global Ratings. The details are as under:
Sl. Name of Credit Type of Instrument / Amt. Outstanding Rating
No. Rating Agency (ies) Type of Rating (` in crore) as on 31.03.2022
1. CRISIL Ratings Ltd. Certificate of Deposits 25,000 CRISIL A1+
2. S & P Global Ratings Issuer Credit Rating - BBB - / Stable / A-3

19. Code of Conduct:

The Bank has framed the “Code of Conduct” applicable to the Board of Directors and Senior Management Personnel and
the same has been adopted by the Board and the same is available on the Bank’s website viz. www.indianbank.in.
The Board members and senior management have affirmed compliance with the code on annual basis and a declaration to
this effect from the Managing director & CEO of the Bank, forms part of this report.

20. Certificate of compliance of conditions of Corporate Governance:

The certificate issued by the Statutory Central Auditors of the Bank, regarding compliance of conditions of
Corporate Governance in terms of the SEBI (Listing Obligations and Disclosure Requirements)
Regulations, 2015 is annexed.

For and on behalf of the Board of Directors

(S. L. Jain)
Date : 11.05.2022
Managing Director & CEO
Place : Chennai

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DECLARATION PURSUANT TO PARA- D OF SCHEDULE V OF THE
SEBI (LISTING OBLIGATIONS AND DISCLOSURE
REQUIREMENTS) REGULATIONS, 2015
It is hereby declared that the Board Members and Senior Management Personnel of the Bank (i.e. General
st
Managers) have affirmed their compliance with the Code of Conduct for the Financial Year ended on 31 March,
2022 in terms of Regulation 26 (3) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations,
2015.
The said Code of Conduct is available on the Bank’s website, www.indianbank.co.in.

Date : 11.05.2022 (S. L. Jain)

Managing Director & CEO
Place : Chennai

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 AUDITORS' CERTIFICATE ON COMPLIANCE OF
CONDITIONS OF CORPORATE GOVERNANCE
To On the basis of the records and documents maintained by the
Bank and the information and explanations given to us:
The Members of Indian Bank
(a) We certify that the Bank has complied with the conditions
We have examined the compliance of conditions of Corporate
of Corporate Governance as stipulated in SEBI (Listing
Governance by INDIAN BANK for the Financial year ended
st
Obligations and Disclosure Requirements) Regulations,
on March 31 , 2022, as stipulated in Regulation 17 to
2015.
Regulation 27 and Regulation 46(2) (b to i) of SEBI (Listing
Obligations and Disclosure Requirements) Regulations, (b) We state that no investor grievance is pending for a period
2015. exceeding one month against the Bank, as per the records
maintained by the Stakeholders Relationship Committee
The Compliance of conditions of Corporate Governance
and as certified by the Registrar and Share Transfer Agent
is the responsibility of the Management. Our examination
of the Bank.
was limited to procedures and implementation thereof,
adopted by the Bank for ensuring the compliance of the We further state that such compliance is neither an assurance
conditions of the Corporate Governance. It is neither an audit as to future viability of the Bank nor the efficiency or
nor an expression of opinion on the financial statements of the effectiveness with which the Management has conducted the
Bank. affairs of Bank

For M/s Sriramamurthy & Co. For M/s Ravi Rajan & Co. LLP For M/s PKF Sridhar & Santhanam LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FRN: 003032S FRN: 009073N/N500320 FRN: 003990S/S200018

M. Pratyusha Sumit Kumar P. Devi

Partner Partner Partner
(M. No. 254141) (M. No. 512555) (M. No. 223137)
UDIN : 22254141AJHCTC2623 UDIN : 22512555AIUWVX3042 UDIN : 22223137AJGUHF1901

For M/s G. Natesan & Co. For M/s SARC & Associates
Chartered Accountants Chartered Accountants
FRN: 002424S FRN: 006085N

Varalakshmi Murali Chetan Thakkar

Partner Partner
(M. No. 028863) (M. No. 114196)
UDIN : 22028863AJAUJV8461 UDIN : 22114196AIUWNW5244
Date : 11.05.2022
Place: Chennai

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 COMPLIANCE CERTIFICATE BY CEO AND CFO
{Pursuant to Regulation 33 (2) read with Regulation 17 (8) of
SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015}

To

The Board of Directors

Indian Bank

This is to certify that:

(a) We have reviewed financial statements and the cash flow
statement of Indian Bank for the year 2021-22 and that to
the best of our knowledge and belief:
(i) these statements do not contain any materially
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 laws and
regulations
(b) There are, to the best of our knowledge and belief, no
transactions entered into by the Bank during the year
which are fraudulent, illegal or violative of the Bank’s Code
of Conduct.
(c) We accept responsibility for establishing and maintaining
internal controls for financial reporting and that we have
evaluated the effectiveness of 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 year;
(ii) significant changes in accounting policies during the
year and that 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 an employee having a significant
role in the Bank’s internal control system over
financial reporting.

(Sunil Jain) (S.L. Jain)

Chief Financial Officer Managing Director & CEO

Place : Chennai
Date : 11.05.2022

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 SECRETARIAL AUDIT REPORT
For the Financial Year 2021-22
To,
The Members,
INDIAN BANK
Chennai.
We have conducted the Secretarial Audit of the compliance of
applicable statutory provisions and the adherence to good
corporate practices by Indian Bank (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 Indian Bank books, papers,
minute books, forms and returns filed and other records
maintained by the Bank and also the information provided by
the Bank, its officers, agents and authorized representatives
during the conduct of secretarial audit, the explanations and
clarifications given to us and considering the relaxations
granted by the Ministry of Corporate Affairs and Securities and
Exchange Board of India warranted due to the spread of the
COVID-19 pandemic, We hereby report that in our opinion,
the Bank has, during the audit period covering the financial
st
year ended 31 March 2022, 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 Indian Bank
st
(“the Bank”) for the financial year ended on 31 March 2022
according to the provisions of:
(i) The Companies Act, 2013 (the Act) and the rules made
thereunder; (to the extent applicable);
(ii) The Securities Contracts (Regulation) Act, 1956 (‘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 during the audit period);
(v) The following Regulations and Guidelines prescribed
under the Securities and Exchange Board of India Act,
1992 (‘SEBI Act’):-
(a) The Securities and Exchange Board of India
(Substantial Acquisition of Shares and Takeovers)
Regulations, 2011;
- 299 -
(b) The Securities and Exchange Board of India
(Prohibition of Insider Trading) Regulations, 2015;
(c) The Securities and Exchange Board of India (Issue
of Capital and Disclosure Requirements)
Regulations, 2009 as amended in 2018;
(d) The Securities and Exchange Board of India
(Employee Stock Option Scheme and Employee
Stock Purchase Scheme) Guidelines, 1999 and The
Securities and Exchange Board of India (Share
Based Employee Benefits) Regulations, 2014; (Not
applicable to the Bank during the audit period);
(e) The Securities and Exchange Board of India (Issue
and Listing of Non-Convertible Securities) Regula-
tions, 2021 (Not applicable to the Bank during the
audit period);
(f) The Securities and Exchange Board of India
(Registrars to an Issue and Share Transfer Agents)
Regulations, 1993 regarding the Companies Act
and dealing with client; (Not applicable);
(g) The Securities and Exchange Board of India
(Delisting of Equity Shares) Regulations, 2009; (Not
applicable to the Bank during the audit period);
(h) The Securities and Exchange Board of India
(Buyback of Securities) Regulations, 1998; (Not
applicable to the Bank during the audit period).
Other Laws specifically applicable to this Bank is as follows:
(vi) The Banking Companies (Acquisition and Transfer of
Undertakings) Act, 1970;
(vii) The Banking Regulations Act, 1949.
I have also examined compliance with the applicable clauses
of the following:
(i) Secretarial Standards issued by The Institute of
Company Secretaries of India. (Not Applicable)
(ii) Securities and Exchange Board of India (Listing
Obligations and Disclosure Requirements) Regula-
tions, 2015.
The Bank is constituted under the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970 and not
incorporated under Companies Act.
The constitution of the Bank’s Board, Audit Committee and
other Committees of the Board and remuneration to the
Directors, Board / Committee procedures / Related Party
Transactions etc., are governed under the provisions of the
Banking Companies (Acquisition and Transfer of Undertak-
ings) Act, 1970, Banking Regulations Act, 1949, Nationalized
Banks (Management and Miscellaneous Provisions) Scheme,
1970, Indian Bank (Shares and Meetings) Regulations, 1999,
as amended and guidelines issued by Reserve Bank of India
and Government of India from time to time.
During the period under review the listed entity has complied
with the provisions of the Act, Rules, Regulations, Guidelines,
Standards, etc. mentioned above subject to the following
Observation:
With respect to the composition of Board, vacancies exist
under section 9(3)(e) (f) & (g) of the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970. The
st
Composition of Board of Directors as on 31 March, 2022 is
not in line with the provisions of SEBI (LODR) Regulations,
2015.
Place : Chennai
Date : 10.05.2022
- 300 -
Adequate notice is given to all directors to schedule the Board
Meetings, agenda and detailed notes on agenda were sent in
advance and a system exists for seeking and obtaining further
information and clarifications on the agenda items before the
meeting and for meaningful participation at the meeting.
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 report:
During the Financial year 2021-22, the Bank has raised equity
capital of Rs.1650 crore through Qualified Institutions
Placement at an issue price of Rs.142.15 per equity share
including a premium of Rs.132.15 per equity share. Post
allotment of 11,60,74,569 new equity shares of face value of
Rs.10 each under QIP, the total paid up shares of the Bank
increased from 112,93,66,570 to 124,54,41,139.
For V Suresh Associates
Practising Company Secretaries
V Suresh
Senior Partner
FCS No. 2969
C.P.No. 6032
Peer Review Cert. No. :667/2020
UDIN: F002969D000295712
 ANNEXURE TO
SECRETARIAL AUDIT REPORT

To,

The Members
Indian Bank
Chennai – 600014

Our report of even date is to be read along with this letter.

1. Maintenance of secretarial records is the responsibility of the management of the Bank. Our responsibility is to express an
opinion on these secretarial records based on our audit.

2. We have followed the audit practices and processes 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. We believe that the processes and practices we followed provide a reasonable basis for our
opinion.

3. We have not verified the correctness and appropriateness of financial records and Books of Accounts of the Bank.

4. Where ever required, we have obtained the Management representation about the compliance of laws, rules and regulations
and happening of events etc.

5. The compliance of the provisions of Corporate and other applicable laws, rules, regulations, standards is the responsibility of
management. Our examination was limited to the verification of procedures on test basis.

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.

For V Suresh Associates

Practising Company Secretaries

Place : Chennai V Suresh

Date : 10.05.2022 Senior Partner
FCS No. 2969
C.P.No. 6032
Peer Review Cert. No. :667/2020
UDIN: F002969D000295712

- 301 -
 CERTIFICATE OF NON-DISQUALIFICATION OF DIRECTORS
(Pursuant to Regulation 34(3) and Schedule V Para C clause (10)(i) of the SEBI
(Listing Obligations and Disclosure Requirements) Regulations, 2015)
To

The Members of
INDIAN BANK
66, Rajaji Salai,
Chennai 600 001

We have examined the relevant registers, records,
forms, returns and disclosures received from the Directors of
INDIAN BANK having registered office at 66, Rajaji Salai,
Chennai 600 001 (hereinafter referred to as ‘the Bank’),
produced before us by the Bank for the purpose of issuing this
Certificate, in accordance with Regulation 34(3) read
with Schedule V Para-C Sub clause 10(i) of the SEBI
(Listing Obligations and Disclosure Requirements)
Regulations,2015.
In our opinion and to the best of our information and according
to the verifications (including Directors Identification Number
(DIN) status at the portal www.mca.gov.in) as considered
necessary and explanations furnished to us by the Bank & its
officers, We hereby certify that none of the Directors on the
Board of the Bank as stated below for the Financial Year ended
st
on 31 March, 2022 have been debarred or disqualified from
being appointed or continuing as Directors of the Bank by the
Securities and Exchange Board of India, Ministry of Corporate
Affairs, or any such other Statutory Authority.

Sl. No. Name of Director DIN Number Date of appointment in Bank

1 Mr. S.L.Jain 07692739 01.09.2021

2 Mr. Shenoy Vishwanath V 07561455 01.12.2018

3 Mr. Imran Amin Siddiqui 09153707 10.03.2021

4 Mr. Ashwani Kumar NA 21.10.2021

5 Mr. Sanjeev Kaushik 02842527 24.01.2020

6 Dr. Aditya Gaiha NA 08.03.2022

7 Dr. Bharath Krishna Sankar 00473636 07.02.2021

8 Ms. Papia Sengupta 07701564 29.10.2021

9 Mr. Balmukund Sahay NA 21.12.2021

10 Mr. Vishvesh Kumar Goel NA 21.12.2021

The Bank, being a Nationalised bank, constituted under the
provisions of Banking Companies (Acquisition and Transfer of
Undertakings Act, 1970), the requirement of DIN may not be
applicable for Directors of the Bank.
Ensuring the eligibility for the appointment / continuity of every
Director on the Board is the responsibility of the management
of the Bank. Our responsibility is to express an opinion on
these, based on our verification. This certificate is neither an
assurance as to the future viability of the Bank nor of the
efficiency or effectiveness with which the management has
conducted the affairs of the Bank.

For V Suresh Associates

Practising Company Secretaries

Place : Chennai V Suresh

Date : 10.05.2022 Senior Partner
FCS No. 2969
C.P.No. 6032
Peer Review Cert. No. :667/2020
UDIN: F002969D000295965
- 302 -
 STANDALONE BALANCE SHEET,
PROFIT AND LOSS ACCOUNT AND SCHEDULES

- 303 -
STANDALONE BALANCE SHEET AS ON MARCH 31, 2022 (` in Thousands)

Schedule As on 31.03.2022 As on 31.03.2021

PARTICULARS (Audited) (Audited)
No.
CAPITAL & LIABILITIES
Capital 1 1245 44 11 1129 36 66
Reserves and Surplus 2 42463 36 31 37282 57 83
Deposits 3 593617 81 37 538071 11 49
Borrowings 4 17144 30 85 24734 33 12
Other Liabilities & Provisions 5 17197 12 87 22209 27 48
TOTAL 671668 05 51 623426 66 58
ASSETS
Cash & Balances with R B I 6 24054 40 91 27545 08 17
Balances with Banks and Money at Call and Short Notice 7 55861 64 25 23919 39 05
Investments 8 174558 58 80 176536 96 62
Advances 9 389186 06 32 362669 07 96
Fixed Assets 10 7683 71 16 7376 31 14
Other Assets 11 20323 64 07 25379 83 64
TOTAL 671668 05 51 623426 66 58
Contingent Liabilities 12 353514 04 83 293533 46 10
Bills for Collection - 14144 89 14 12620 72 77

S L JAIN
MANAGING DIRECTOR & CEO

ASHWANI KUMAR IMRAN AMIN SIDDIQUI

EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
DIRECTORS
SANJEEV KAUSHIK ADITYA GAIHA
GOVERNMENT NOMINEE DIRECTOR RBI NOMINEE DIRECTOR

BHARATH KRISHNA SANKAR PAPIA SENGUPTA

SHAREHOLDER DIRECTOR SHAREHOLDER DIRECTOR

BALMUKUND SAHAY VISHVESH KUMAR GOEL

PART TIME NON-OFFICIAL DIRECTOR PART TIME NON-OFFICIAL DIRECTOR

STATUTORY CENTRAL AUDITORS

For M/s. P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants
FR No. 003990S / S200018

M. PRATYUSHA SUMIT KUMAR P DEVI

Partner Partner Partner
(M.No.254141) (M.No.512555) (M.No.223137)

For M/s. G NATESAN & CO For M/s. S A R C & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No. 002424S FR No. 006085N

VARALAKSHMI MURALI CHETAN THAKKAR

Partner Partner
(M. No. 028863) (M. No. 114196)

Place : Chennai
Date : 11.05.2022

- 304 -
 (` in Thousands)
STANDALONE PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2022
Schedule Y.E. 31.03.2022 Y.E. 31.03.2021
PARTICULARS
No. (Audited) (Audited)

I. INCOME
Interest earned 13 38856 22 07 39105 78 65
Other Income 14 6915 44 97 5650 18 96
TOTAL 45771 67 04 44755 97 61
II. EXPENDITURE
Interest expended 15 22128 27 05 23439 83 90
Operating expenses 16 10926 50 28 10349 55 28
Provisions & Contingencies - 8772 07 65 7961 90 66
TOTAL 41826 84 98 41751 29 84
III. PROFIT/LOSS
Net Profit/Loss(-) for the year 3944 82 06 3004 67 77
Profit/Loss(-) Brought forward 100 16 28 99 16 27
Less: Set off against Share Premium / Other Adjustments -23 21 49 -101 67 04
TOTAL 4021 76 85 3002 17 00
IV. APPROPRIATIONS
Transfer to :
Statutory Reserves 986 21 00 751 17 00
Capital Reserves 147 90 00 47 71 00
Special Reserves u/s 36(1)(viii) 108 35 00 0
Revenue Reserves 1800 00 00 1387 34 39
Staff Welfare Fund 40 00 00 25 00 00
Investment Fluctuation Reserve 0 464 91 00
Equity Dividend 809 53 67 225 87 33
Bal. carried over to Balance Sheet 129 77 18 100 16 28
TOTAL 4021 76 85 3002 17 00
Earnings Per Share in Rs. (basic & diluted) 32.38 26.61

S L JAIN
MANAGING DIRECTOR & CEO

ASHWANI KUMAR IMRAN AMIN SIDDIQUI

EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
DIRECTORS
SANJEEV KAUSHIK ADITYA GAIHA
GOVERNMENT NOMINEE DIRECTOR RBI NOMINEE DIRECTOR

BHARATH KRISHNA SANKAR PAPIA SENGUPTA

SHAREHOLDER DIRECTOR SHAREHOLDER DIRECTOR

BALMUKUND SAHAY VISHVESH KUMAR GOEL

PART TIME NON-OFFICIAL DIRECTOR PART TIME NON-OFFICIAL DIRECTOR

STATUTORY CENTRAL AUDITORS

For M/s. P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants
FR No. 003990S / S200018

M. PRATYUSHA SUMIT KUMAR P DEVI

Partner Partner Partner
(M.No.254141) (M.No.512555) (M.No.223137)

For M/s. G NATESAN & CO For M/s. S A R C & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No. 002424S FR No. 006085N

VARALAKSHMI MURALI CHETAN THAKKAR

Partner Partner
(M. No. 028863) (M. No. 114196)

Place : Chennai
Date : 11.05.2022
- 305 -
 (` in Thousands)

SCHEDULE 1 - CAPITAL
PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Authorised Capital
300,00,00,000 Equity Shares of Rs.10/- each 3000 00 00 3000 00 00
II. Issued, Subscribed and Paid up:
Equity Shares:

a. 99,45,49,600 Equity shares of Rs.10/- each

held by Government of India (P.Y. 99,45,49,600
Equity shares of Rs.10/- each) 994 54 96 994 54 96

b. 25,08,91,539 Equity shares of Rs.10/- each held by Public

(P.Y. 13,48,16,970 Equity shares of Rs.10/- each) 250 89 15 134 81 70

Total 1245 44 11 1129 36 66

- 306 -
SCHEDULE 2 - RESERVES AND SURPLUS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. STATUTORY RESERVES
a. Opening Balance 8649 75 51 4694 19 81
b. Additions during the year (*) 986 21 00 3955 55 70
c. Deductions during the year 0 0
TOTAL I 9635 96 51 8649 75 51
II. CAPITAL RESERVES
A Revaluation Reserve
a. Opening Balance 5754 96 63 2987 84 42
b. Additions during the year (*) 599 48 14 2909 98 72
c. Deductions during the year 143 42 51 142 86 51
TOTAL (A) 6211 02 26 5754 96 63
B Others
a. Opening Balance 913 00 74 388 55 24
b. Additions during the year (*) 147 90 00 524 45 50
c. Deductions during the year 0 0
TOTAL (B) 1060 90 74 913 00 74
TOTAL II (A + B) 7271 93 00 6667 97 37
III. SHARE PREMIUM
a. Opening Balance 857 61 90 4026 65 23
b. Additions during the year (*) 1533 92 54 15806 49 62
c. Deductions during the year 0 18975 52 95
TOTAL III 2391 54 44 857 61 90
IV. REVENUE AND OTHER RESERVES
A) Revenue Reserve :
a. Opening Balance 13124 31 94 7448 29 29
b. Additions during the year (*) 1800 00 00 5533 16 14
c. Tfrd from revaluation reserve 143 42 51 142 86 51
d. Deductions during the year 0 0
TOTAL (A) 15067 74 45 13124 31 94
B) Special Reserve u/s 36(1)(viii) of IT Act
a. Opening Balance 2175 52 00 725 52 00
b. Additions during the year (*) 108 35 00 1450 00 00
c. Deductions during the year 0 0
TOTAL (B) 2283 87 00 2175 52 00
C) Special Reserve u/s 36(1)(viii a) of IT Act
a. Opening Balance 58 20 00 58 20 00
b. Additions during the year 0 0
c. Deductions during the year 0 0
TOTAL (C) 58 20 00 58 20 00
D) Investment Fluctuation Reserve
a. Opening Balance 1031 90 00 566 99 00
b. Additions during the year 0 464 91 00
c. Deductions during the year 0 0
TOTAL (D) 1031 90 00 1031 90 00
E) Investment Reserve
a. Opening Balance 186 37 77 47 79 22
b. Additions during the year (*) 0 138 58 55
c. Deductions during the year 0 0
TOTAL (E) 186 37 77 186 37 77
F) Foreign Currency Translation Reserve
a. Opening Balance 421 92 88 437 26 31
b. Additions during the year 0 0
c. Deductions during the year 24 69 10 15 33 43
TOTAL (F) 397 23 78 421 92 88

- 307 -
 G) IRS reserve
a. Opening Balance 1 90 63 0
b. Additions during the year (*) 0 1 90 63
c. Deductions during the year 0 0
TOTAL (G) 1 90 63 1 90 63
TOTAL IV (A + B + C + D + E + F + G) 19027 23 63 17000 15 22
V. AMALGAMATION RESERVE
a. Opening Balance 4006 91 55 0
b. Additions during the year 0 4006 91 55
c. Deductions during the year 0 0
TOTAL V 4006 91 55 4006 91 55
VI. PROFIT & LOSS ACCOUNT
Opening Balance 100 16 28 99 16 27
Additions during the year 3944 82 06 102 67 05
Deductions during the year (*) 3915 21 16 19077 19 99
Adjustments from Share Premium 0 18975 52 95
TOTAL VI 129 77 18 100 16 28
TOTAL (I+II+III+IV+V+VI) 42463 36 31 37282 57 83

(*) Additions / deductions during FY 2020-21 include e-AB reserves

SCHEDULE 3 - DEPOSITS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

A. I. DEMAND DEPOSITS
i) From Banks 125 59 56 289 29 18
ii) From Others 36594 73 39 32055 27 51
TOTAL 36720 32 95 32344 56 69
II. SAVINGS BANK DEPOSITS 211205 86 14 195250 29 37
III. TERM DEPOSITS
i) From Banks 6067 87 21 5323 09 87
ii) From Others 339623 75 07 305153 15 56
TOTAL 345691 62 28 310476 25 43
TOTAL (I+II+III) 593617 81 37 538071 11 49
B. I) Deposits of branches in India 584660 65 57 529264 23 30
II) Deposits of branches outside India 8957 15 80 8806 88 19
TOTAL (I + II) 593617 81 37 538071 11 49

SCHEDULE 4 - BORROWINGS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. BORROWINGS IN INDIA
i) Reserve Bank of India 0 5032 04 04
ii) Other Banks 5 12 13 72
iii) Other Institutions and Agencies * 15285 01 00 14935 73 74
TOTAL 15285 06 12 19967 91 50
II. BORROWINGS OUTSIDE INDIA ** 1859 24 73 4766 41 62
TOTAL (I+II) 17144 30 85 24734 33 12
Secured Borrowings included above 0 5032 04 04
* includes AT-1 Capital -Perpetual Debt Instrument of ` 2000 00 00 (P.Y. ` 2000 00 00) and Tier II Capital - Subordinated debt of ` 7000 00 00
(P.Y. ` 7600 00 00).
** Includes pipeline and un-adjusted items in Nostro Mirror Balances

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SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Bills Payable 1585 16 73 1443 91 42

II. Inter Office Adjustments(Net) 0 5073 01 52
III. Interest Accrued 994 13 29 1041 86 06
IV. Others(including Provisions) * 14617 82 85 14650 48 48
TOTAL (I + II + III + IV) 17197 12 87 22209 27 48

* includes Contingent Provisions against Standard Assets of ` 378 88 304 (P.Y - ` 282 68 255)

SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Cash in hand (including foreign currency notes) 1962 39 75 1658 27 76

II. Balances with Reserve Bank of India in Current Account 22092 01 16 25886 80 41
TOTAL (I+II) 24054 40 91 27545 08 17

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. IN INDIA
i) Balances with Banks
a) in Current Account 6 17 63 95 08 44
b) in Other Deposit Accounts 1386 15 22 2046 43 44
TOTAL (i) 1392 32 85 2141 51 88
ii) Money at Call and Short Notice (with Banks) 34500 20 06 8900 00 01
TOTAL (ii) 34500 20 06 8900 00 01
TOTAL (i + ii) 35892 52 91 11041 51 89
II. OUTSIDE INDIA
i) in Current Accounts 503 97 97 1577 67 70
ii) in other Deposit Accounts 19453 09 25 11270 82 04
iii) Money at Call and Short Notice 12 04 12 29 37 42
TOTAL (i + ii + iii) 19969 11 34 12877 87 16
GRAND TOTAL (I +II) 55861 64 25 23919 39 05

SCHEDULE 8 - INVESTMENTS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. INVESTMENTS IN INDIA
Gross Investments 178434 87 83 179570 44 81
Less : Provision for Depreciation & NPI 3656 54 63 3437 58 50
Less : Provision on Security Receipts 1922 31 20 1922 31 20
Net Investments 172856 02 00 174210 55 11
i) Government Securities 140386 99 79 157550 39 28
ii) Other approved Securities 0 5 22 76
iii) Shares 1198 42 29 986 58 19
iv) Debentures and bonds 30442 35 19 13359 15 13
v) Subsidiaries and/or joint ventures (including Associates) 216 16 81 216 16 81
vi) Others 612 07 92 2093 02 94
TOTAL 172856 02 00 174210 55 11

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 PARTICULARS As on 31.03.2022 As on 31.03.2021

II. INVESTMENT OUTSIDE INDIA

Gross Investments 1800 52 30 2420 89 82
Less: Provision for Depreciation & NPI 97 95 50 94 48 31
Net Investments 1702 56 80 2326 41 51
i) Government Securities (including local authorities) 1702 00 91 2325 81 80
ii) Other investments
(a) Shares 55 89 59 71
TOTAL 1702 56 80 2326 41 51
NET GRAND TOTAL (I+II) 174558 58 80 176536 96 62

SCHEDULE 9 - ADVANCES (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

i) Bills purchased and discounted 3430 05 82 2131 34 96
ii) Cash Credit, Overdrafts and loans repayable on demand 245298 43 89 220090 98 14
iii) Term Loans 140457 56 61 140446 74 86
TOTAL 389186 06 32 362669 07 96
i) Secured by tangible assets (includes advance against book debts)* 322961 60 18 320789 57 49
ii) Covered by Bank / Government Guarantee 39614 40 28 22887 65 72
iii) Unsecured 26610 05 86 18991 84 75
TOTAL 389186 06 32 362669 07 96
I. ADVANCES IN INDIA
#
i) Priority Sector 163407 15 71 156301 47 15
ii) Public Sector 67147 92 02 64398 77 88
iii) Banks 0 169 24 06
iv) Others 139011 84 53 131526 73 67
TOTAL 369566 92 26 352396 22 76
II. ADVANCES OUTSIDE INDIA
i) Dues from Banks 11105 63 45 4475 58 45
ii) Dues from others
a) Bills Purchased and discounted 2541 53 44 771 16 66
b) Syndicated loans 4650 75 16 3515 42 23
c) Others 1321 22 01 1510 67 86
TOTAL 19619 14 06 10272 85 20
GRAND TOTAL (I+II) 389186 06 32 362669 07 96

* includes advances against Book Debt: ` 67000 84 07, (Previous Year: ` 63247 10 63)
# RIDF is not included

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SCHEDULE 10 - FIXED ASSETS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. PREMISES (Incl. Revalued Premises)

At cost/revaluation as per the last Balance Sheet 6857 35 52 6853 35 76

Additions/Adjustments during the year 601 20 96 3 99 76

Sub Total 7458 56 48 6857 35 52

Deductions during the year 4 68 50 0

Sub Total 7453 87 98 6857 35 52

Depreciation to date 1412 80 63 1243 94 40

TOTAL 6041 07 35 5613 41 12

II. LEASED ASSETS

At cost/revaluation as per the last Balance Sheet 530 52 79 530 52 79

Additions/Adjustments during the year 0 0

Sub Total 530 52 79 530 52 79

Deductions during the year 0 0

Sub Total 530 52 79 530 52 79

Depreciation to date 22 17 67 42 92 70

TOTAL 508 35 12 487 60 09

III. BUILDINGS UNDER CONSTRUCTION 96 80 1 06 54

IV. OTHER FIXED ASSETS (including Furniture and Fixtures)

At cost as per last Balance Sheet 4628 15 73 4121 12 83

Additions/Adjustments during the year 316 77 75 554 37 72

Sub Total 4944 93 48 4675 50 55

Deductions during the year 76 67 23 47 34 82

Sub Total 4868 26 25 4628 15 73

Depreciation to date 3734 94 36 3353 92 34

TOTAL 1133 31 89 1274 23 39

TOTAL (I+II+III+IV) 7683 71 16 7376 31 14

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SCHEDULE 11 - OTHER ASSETS (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Inter Office Adjustment (net) 270 52 77 0

II. Interest Accrued 2968 68 66 4107 97 96

III. Tax paid in advance/tax deducted at source (net) 6407 56 89 6625 26 70

IV. Stationery and Stamps 27 06 55 46 37 53

V. Non-banking assets acquired in satisfaction of claims 51 38 26 51 38 26

VI. Others* 10598 40 94 14548 83 19

TOTAL 20323 64 07 25379 83 64

* includes RIDF/SIDBI/RHDF/NHB Deposits held under HTM Category 1062 15 12 1304 51 23

SCHEDULE 12 - CONTINGENT LIABILITIES (` in Thousands)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Claims against the bank not acknowledged as debts 2159 16 36 953 36 91

II. Liability for partly paid investments 462 77 26 373 81 66

III. Liability on account of outstanding forward exchange contracts 306197 71 07 254856 84 39

IV. Guarantee given on behalf of constituents*

a) In India 21969 83 62 17792 78 38

b) Outside India 300 68 26 379 99 49

V. Acceptance, Endorsements and other obligations* 10837 91 70 9394 28 29

VI. Other items for which the bank is contingently liable 11585 96 56 9782 36 98

TOTAL 353514 04 83 293533 46 10

* Contingent Liability has been considered net of margin

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SCHEDULE 13 - INTEREST EARNED (` in Thousands)

PARTICULARS Y E 31.03.2022 Y E 31.03.2021

(Audited) (Audited)
I. Interest/Discount on Advances/Bills 26927 56 15 27363 52 81

II. Income on Investments 10964 82 37 11166 89 38

III. Interest on balances with Reserve Bank of India and other Inter Bank funds 851 34 00 425 45 97

IV. Others 112 49 55 149 90 49

TOTAL 38856 22 07 39105 78 65

SCHEDULE 14 - OTHER INCOME (` in Thousands)

PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Commission, Exchange and Brokerage 806 11 09 766 96 37

II. Profit on Sale of Investments 1748 06 22 2259 91 38

Less: Loss on Sale of Investments 122 30 84 135 67 19

Net 1625 75 38 2124 24 19

III. Profit on revaluation of Investments 89 2 42

Less: Loss on revaluation of Investments 343 24 98 429 08 84

Net -343 24 09 -429 06 42

IV. Profit on sale of land, buildings and other assets * 7 40 31 2 83 09

Less: Loss on Sale of Land, Bldgs. & Other Assets * 2 18 28 3 22 28

Net 5 22 03 - 39 19

V. Profit on exchange transactions (Net) 689 98 73 405 92 51

VI. Income earned by way of dividends, etc., from Subsidiaries/Companies

and/or Joint ventures abroad/in India 28 15 18 12 45 06

VII. Miscellaneous Income 4103 46 65 2770 06 44

TOTAL 6915 44 97 5650 18 96

* Amount relates to Safe, Furniture, Vehicle & Machinery

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SCHEDULE 15 - INTEREST EXPENDED (` in Thousands)

PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Interest on deposits 20935 55 65 22220 79 49

II. Interest on Reserve Bank of India/Inter Bank borrowings 248 46 35 400 89 55

III.Others 944 25 05 818 14 86

TOTAL 22128 27 05 23439 83 90

SCHEDULE 16 - OPERATING EXPENSES (` in Thousands)

PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Payments to and provisions for employees 6695 70 68 6378 23 81

II. Rent, Taxes and Lighting 613 74 14 602 83 47

III. Printing and Stationery 84 60 78 57 65 50

IV. Advertisement and Publicity 21 71 34 13 55 22

V. Depreciation on Bank's property 597 49 99 632 87 20

VI. Directors' fees allowance and expenses 44 31 39 60

VII. Auditors' fees and expenses(including branch auditors) 47 37 52 63 01 86

VIII Law Charges 17 38 61 20 19 41

IX. Postage, Telegrams and Telephones 109 86 46 117 18 86

X. Repairs and Maintenance 243 87 09 197 09 98

XI. Insurance 742 35 00 682 46 34

XII. Other Expenditure 1751 94 36 1584 04 03

TOTAL 10926 50 28 10349 55 28

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SCHEDULE 17 – SIGNIFICANT ACCOUNTING POLICIES (STANDALONE)
1. ACCOUNTING CONVENTION
The financial statements are prepared by following the
going concern concept on historical cost convention
unless otherwise stated. They conform to generally
accepted accounting principles in India, which
comprises statutory provisions, regulatory / Reserve
Bank of India guidelines, accounting standards /
guidance notes issued by the Institute of Chartered
Accountants of India and the practices prevalent in the
Banking Industry in India. In respect of foreign branches
as per statutory provisions and practices prevailing in
the respective countries.
2. USE OF ESTIMATES
The preparation of financial statements requires the
management to make estimates and assumptions for
considering the reported assets and liabilities (including
contingent liabilities) as on the date of financial
statements and the income and expenses for the
reporting period. Management believes that the
estimates used in the preparation of the financial
statements are prudent and reasonable.
3. TRANSACTIONS INVOLVING FOREIGN EXCHANGE
Foreign Currency transactions of Indian operations and
non-integral foreign operations are accounted for as per
Accounting Standard - 11 (AS-11) issued by the Institute
of Chartered Accountants of India (ICAI).
3.1 Translation in respect of Indian operations
l Foreign exchange transactions are recorded at the
Weekly Average Rate (WAR) notified by Foreign
Exchange Dealers' Association of India (FEDAI).
l Foreign currency assets and liabilities are translated
at the closing rates notified by FEDAI at the year
end.
l Acceptances, endorsements and other obligations
and guarantees in foreign currency are carried at the
closing rates notified by FEDAI at the year end.
l Exchange differences arising on settlement and
translation of foreign currency assets and liabilities
at the end of the financial year are recognized as
income or expenses in the period in which they
arise.
l Outstanding forward exchange contracts are
disclosed at the Contracted rates, and revalued at
FEDAI closing rates, and the resultant effect is
recognized in the Profit and Loss account.
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3.2 Translation in respect of Non-Integral Foreign
Operations.
Foreign branches are classified as non-integral foreign
operations and the financial statements are translated
as follows:
l Assets and liabilities including contingent liabilities
are translated at the closing rates notified by FEDAI
at the year end.
l Income and expenses are translated at the
Quarterly Average Closing rate notified by FEDAI at
the end of the respective quarter.
l All resulting exchange differences are accumulated
in a separate account “Foreign Currency Translation
Reserve” (FCTR) till the disposal of the net
investments.
4. INVESTMENTS
4.1 The entire investment portfolio of the Bank is classified
in accordance with the RBI guidelines into three
categories viz.
Ø Held To Maturity (HTM)
Ø Available For Sale (AFS)
Ø Held For Trading (HFT)
The securities acquired with the intention to be held till
maturity are classified under “HTM” category. The
securities acquired with the intention to trade by taking
advantage of short-term price / interest movements are
classified as “HFT”. All other securities which do not fall
under any of the two categories are classified under
“AFS” Category.
An investment is classified as Held to Maturity, Available
for Sale or Held for Trading at the time of its purchase /
acquisition and subsequent shifting is done in
conformity with the Regulatory guidelines. Transfer of
scrips, if any, from one category to another is done at the
lowest of acquisition cost / book value / market value on
the date of transfer and depreciation, if any, on such
transfer is fully provided for.
Investment in Subsidiaries, Joint Ventures and
Associates are classified as Held to Maturity.
4.2 Profit on sale of securities under HTM category is first
taken to Profit and Loss account and thereafter
appropriated to Capital Reserve account (net of taxes
and amount required to be transferred to statutory
reserves) and loss, if any, charged to Profit & Loss
account.
4.3 Investments in India are valued in accordance with RBI
guidelines, as under:
a) Securities in HTM category are valued at
acquisition cost except where the acquisition cost
is higher than the face value, in which case, such
excess of acquisition cost over the face value is
amortised over the remaining period of maturity.
Any diminution, other than temporary, in value of
investments in subsidiaries / joint ventures /
Associates which are included under HTM
category is recognized and provided. Such
diminution is being determined and provided for
each investment individually. Investment in units of
Venture Capital Funds (VCF) / Alternate
Investment Fund (AIF) made after 23.08.2006 are
classified under HTM category for initial period of 3
years and valued at cost.
b) Investment in Subsidiaries, Joint Ventures and
Associates are valued at historical cost.
Investment in sponsored Regional Rural Banks
(RRB) are valued at carrying cost (i.e. Book value).
c) Investments in AFS category are marked to
market, scrip-wise and classification wise, at
quarterly intervals. Net depreciation, if any, is
provided for in the Profit and Loss account while
net appreciation, if any, is ignored. The book value
of the individual securities does not undergo any
change after marking to market.
d) The individual scrips in the HFT category are marked
to market at daily intervals. Net depreciation, if any,
4.4
is provided for in the Profit and Loss account while
net appreciation, if any, is ignored. The Book Value
of the individual securities in this category does not
undergo any change.
e) Securities in AFS and HFT categories are valued
as under:
i. Central Government Securities and State Govt.
Securities are valued at prices / YTM rates as
announced by Primary Dealers Association of
India (PDAI) jointly with Fixed Income Money
Market and Derivatives Association of India
(FIMMDA) / Financial Benchmark India Private
Ltd., (FBIL).
ii. Other approved securities are valued applying
the YTM method by marking up 25 basis points
above the yields of the Central Government
Securities of equivalent maturity put out by
PDAI / FIMMDA/ FBIL periodically.
iii. Equity shares are valued at market price, if
quoted. Unquoted equity shares are valued at
break-up value (without considering revaluation
reserves if any) as per the company's latest
balance sheet (not more than one year prior to
the date of valuation). Otherwise, the shares are
valued at Re. 1 per company.
iv. Preference shares are valued at market price,
if quoted; otherwise at lower of the value
- 316 -
determined based on the appropriate YTM
rates or redemption value.
v. All debentures / bonds, other than those which
are in the nature of advances, are valued on
the YTM basis.
vi. Treasury bills, Certificate of deposits and
Commercial papers are valued at carrying
cost.
vii. Units of Mutual Funds are valued at market price,
if quoted; otherwise at lower of repurchase
price or Net Asset Value (NAV). In case of
funds with a lock-in period, where repurchase
price / market quote is not available, units are
valued at NAV, else valued at cost till the end of
the lock-in period.
viii. Investment in units of Venture Capital Funds
(VCF) / Alternate Investment Fund (AIF) made
after 23.08.2006 are classified under HTM
category for initial period of 3 years and valued
at cost. After period of 3 years from the date of
disbursement, it will be shifted to AFS and
marked-to-market as per RBI guidelines.
ix. In respect of investment at Overseas branches,
RBI guidelines or those of the host countries
whichever are more stringent are followed. In
case of those branches situated in countries where
no guidelines are specified, the guidelines of
RBI are followed.
Non-performing investment (NPI) are identified as
stated below, as per guidelines issued by RBI.
l Securities / Non-cumulative Preference shares
where Interest / Fixed Dividend / Instalment (including
maturity proceeds) is due and remains unpaid for
more than 90 Days.
l If any credit facility availed by the issuer from the
Bank is a Non-performing advance in the books of
the bank, investment in any of the securities including
preference shares issued by the same issuer is also
treated as NPI and vice versa. However, if only the
preference shares are classified as NPI, the
investments in any of the other performing securities
issued by the same issuer may not be classified as
NPI and any performing credit facilities granted to
that borrower need not be treated as NPA.
l Investments backed by guarantee of the Central
Government though overdue are treated as Non-
Performing Asset (NPA) only when the Government
repudiates its guarantee when invoked.
l Investment in State Government guaranteed
securities, including those in the nature of 'deemed
advances', are subjected to asset classification and
provisioning as per prudential norms if interest /
installment of principal (including maturity
proceeds) or any other amount due to the Bank
remains unpaid for more than 90 days.
 l Equity investment classified as NPI should be
valued at market value, if quoted, and in case where
equity is not quoted, it should be valued at Re.1
4.5 Brokerages / Commission / incentive received on
subscriptions are deducted from the cost of securities.
Brokerage / Commission / Stamp duty paid in
connection with acquisition of securities are treated as
revenue expenses.
4.6 Interest Rate Swap transactions for trading is marked to
market at quarterly intervals. The fair value of the total
swaps is computed on the basis of the amount that
would be received/ receivable or paid/ payable on
termination of the swap agreements as on the balance
sheet date. Losses arising there from, if any, are fully
provided for, while the profit, if any, is ignored.
4.7 Exchange traded FX Derivatives i.e. Currency Futures,
are valued at the Exchange determined prices and the
resultant gains and losses are recognized in the Profit
and Loss account.
4.8 Premium / interest arising at the inception of forward
exchange swap facility of RBI for FCNR (B) dollar
deposits is amortized as expense over the period of the
swap contract.
4.9 Cost of investments is determined based on the
Weighted Average Cost method in each category.
Investments classified under HTM are carried at
acquisition cost as arrived under Weighted Average
Cost method and in case the weighted average cost is
more than the face value, the premium is amortised over
the remaining period of maturity.
l Accounting for Repo / Reverse Repo transactions:
All types of Repo / Reverse Repo Transactions with RBI
including LAF, variable rate term operations, Long term
Repo operations (LTRO), MSF and also Market Repo
transactions are accounted as per RBI guidelines.
The securities sold and purchased under Repo /
Reverse Repo are accounted as Triparty Repo wherein
securities are transferred as in the case of normal
outright sale / purchase transactions and such movement
of securities is reflected using the Repo / Reverse Repo
Accounts and Contra entries. The above entries are
reversed on the date of maturity. Costs and revenues
are accounted as interest expenditure / income, as the
case may be. Balance in Repo Account is classified
under Schedule 4 (Borrowings) and balance in Reverse
Repo Account is classified under Schedule 7 (Balance
with Banks and Money at Call & Short Notice).
5. FINANCIAL ASSETS SOLD TO RECONSTRUCTION
COMPANIES (RC)
5.1 Security Receipts (SR) issued by SCs / RCs in respect
of financial assets sold to them is recognized at lower of
redemption value of SRs and Net Book Value of financial
assets. SRs are valued at:
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(a) SRs issued by SCs / RCs prior to 01.04.2017 at Net
Asset Value declared by SCs / RCs on the Balance
Sheet date and depreciation, if any, is provided for and
appreciation is ignored.
(b) As per amended guidelines issued by RBI with effect
from April, 01 2017, provisioning requirement on SRs
will be higher of
(I) provisioning rate in terms of Net Asset Value
declared by the SCs / RCs
(ii) provisioning rate as applicable to the underlying
loans, assuming that the loans notionally continued
in the books of the bank
5.2 In case of financial assets sold to RC, the valuation and,
income recognition is being done as per RBI guidelines.
If the sale is for value lower than the Net Book Value
(NBV) (i.e, book value less provisions held), the shortfall
is debited to the Profit and Loss account or met out of
utilisation of Floating provision held, as per extant RBI
guidelines
If the cash received (by way of initial consideration and /
or redemption of security receipts) is higher than the Net
Book value of the Non-Performing Asset (NPA) sold to
RC, then excess provision is reversed to the profit and
Loss account. The quantum of excess provision reversed
to profit and loss account is limited to the extent to which
cash received exceeds the NBV of the NPA sold.
6 ADVANCES
6.1 In accordance with the prudential norms issued by RBI,
advances in India are classified into Standard, Sub-
Standard, Doubtful and Loss assets borrower-wise.
6.2 Provisions are made for non-performing advances as
under:
a) Sub Standard:
I) A general provision of 15% on the total
outstanding
ii) Additional provision of 10% for exposure which
are unsecured ab-initio (ie., where realizable
value of securities is not more than 10% ab-
initio)
b) Doubtful Category - 1
i) 25% for Secured portion.
ii) 100% for Unsecured portion.
c) Doubtful Category - 2
i) 40% for Secured portion.
ii) 100% for Unsecured portion.
d) Doubtful Category - 3 and Loss advances - 100 %.
l Provision is made for standard advances including
Restructured / Rescheduled standard advances as
per RBI directives.
 l In respect of foreign branches, income recognition,
asset classification and provisioning for loan losses
are made as per local requirement or as per RBI
prudential norms, whichever is more stringent.
Further, if an asset in the overseas books of the
Bank requires to be classified as NPA at any point of
time in terms of regulations issued by Reserve
Bank of India, then all the facilities granted by the
bank to the borrower and investment in all the
securities issued by the borrower will be classified
as NPAs / NPIs.
However, accounts classified as Non-performing /
Impaired assets (NPAs) by host regulators for
reasons other than record of recovery, would be
classified as NPAs at the time of consolidating
financial statements in India and provided for, as
required; whereas asset classification of other
credit exposures to the same counter parties in
other jurisdictions (including India) will continue to
be governed by the extant guidelines in the
respective jurisdictions.
l Advances disclosed are net of provisions made for
non-performing assets, DICGC / ECGC / CGTMSE
claims received and held pending adjustment,
repayments received and kept in sundries account,
participation certificates, usance bills rediscounted
and provision in lieu of diminution in the fair value of
restructured accounts classified as standard
assets.
7. FIXED ASSETS / DEPRECIATION
7.1. Fixed assets are carried at cost / revalued amount less
accumulated depreciation / amortization.
7.2. Cost includes cost of purchase and all expenditure such
as site preparation, installation costs and professional
fees incurred on the asset before it is put to use.
Subsequent expenditure(s) incurred on the assets put to
use are capitalized only when it increases the future
economic benefits from such assets on their functioning
capacity.
7.3. Depreciation on buildings (including cost of land
wherever inseparable / not segregated) and other fixed
assets in India will be provided for on the straight-line
method at the rates / useful life, as specified below:
Sl. Depreciation
Description of fixed assets
No. Rate /
Useful Life
1. Computers 33.33% every year
2. Computer Software forming an 33.33% every year
integral part of the Computer
hardware
3. Computer Software which does 33.33% every year
not form an integral part of
Computer hardware and cost of
Software Development
4. Automated Teller Machine / 20.00% every year
Cash Deposit Machine / Coin
Vending Machine
- 318 -
5. Servers 33.33% every year
6. Network Equipment 20.00% every year
7. Other Fixed Assets Estimated useful life
of major group of
assets are as under:
Premises : 60 years
Safes/Locker/Doors
(Steel): 20 years
Vehicles : 5 years
Furniture and
Fixtures : 10 years
Cell phones : 1 year
7.4. In respect of assets sold / acquired during the year,
depreciation will be charged on proportionate basis for
the number of days the assets have been put to use /
from the date of capitalization during the year.
7.5. Assets costing upto ` 5,000/- will be fully depreciated in
the year of purchase.
7.6. The revalued asset will be depreciated over the balance
useful life of the asset as assessed at the time of
revaluation.
The increase in Net Book Value of the asset due to
revaluation will be credited to the Revaluation Reserve
Account without routing through the Profit and Loss
Account. Depreciation relatable to revalued component
will be charged against revenue expenditure and an
equivalent amount will be charged straight away against
revaluation reserve and credited to the revenue reserve,
as per revised AS 10 issued by ICAI.
7.7 In respect of Assets where subsidy is received from
Government, the same will be credited to the respective
asset account and depreciation will be charged accordingly.
7.8 Premium on leasehold land will be capitalized in the
year of acquisition and amortized over the period of
lease.
7.9 Depreciation in respect of fixed assets at foreign
branches will be provided as per the practice prevailing
in the respective countries.
7.10 In respect of Non-Banking Assets, no depreciation will
be charged.
8. REVENUE RECOGNITION
8.1 Income and expenditure are generally accounted for on
accrual basis, unless otherwise stated.
8.2 Income from non-performing assets, Central
Government guaranteed assets (where it is overdue
beyond 90 days), dividend income, insurance claims,
commission on letters of credit / guarantees issued (other
than those relating to project finance), income from wealth
management, additional interest / overdue charges on
bills purchased, finance charges on credit cards, income
on Bank's right to recompense, AMC charges on debit
cards are accounted for on realisation basis and locker
rent received, income from Bancassurance products are
accounted on accrual basis.
8.3 In case of overdue foreign bills, interest and other
charges are recognised till the date of crystallisation as
per FEDAI guidelines.
9. CREDIT CARD REWARD POINTS
Reward points earned by card members on use of Card
facility is recognized as expenditure on such use.
10. NET PROFIT / LOSS
The result disclosed in the Profit and Loss Account is
after considering
- Provision for Non-Performing Advances and / or
Investments.
- General provision on Standard Advances
- Provision for Restructured Advances
- Provision for Depreciation on Fixed Assets
- Provision for Depreciation on Investments
- Transfer to / from Contingency Fund
- Provision for Direct taxes
- Provision for Unhedged Foreign Currency
Exposure
- Usual or / and other necessary provisions
11. STAFF RETIREMENT BENEFITS
i) PROVIDENT FUND
Provident fund is a statutory obligation and in the case of
Contributory Provident Fund Optees, the Bank pays
fixed contribution at pre-determined rates. The
obligation of the Bank is limited to such fixed
contribution. The contributions are charged to Profit and
Loss Account. The fund is managed by Indian Bank
Staff Provident Fund Trust.
ii) GRATUITY
Gratuity liability is a statutory obligation as per Indian
Bank Employees' Gratuity Fund Rules and Regulations
and is provided for on the basis of an actuarial valuation
made at the end of the financial year. The gratuity
liability is funded by the Bank and is managed by Indian
Bank Employees Gratuity Fund Trust.
iii) PENSION
l Pension liability is a defined benefit obligation under
Indian Bank (Employees) Pension Regulations
1995 and is provided for on the basis of actuarial
valuation, for the employees who have joined Bank
up to 31.03.2010 and opted for pension.
l New Pension Scheme (NPS) which is applicable to
employees who joined bank on or after 01.04.2010
and it is a defined contribution scheme. Under NPS
the Bank pays fixed contribution at pre-determined
rate and the obligation of the Bank is limited to such
fixed contribution. The contribution is charged to
Profit and Loss Account.
iv) COMPENSATED ABSENCES
Accumulating compensated absences such as
Privilege Leave and Sick Leave are provided for based
on actuarial valuation.
v) OTHER EMPLOYEE BENEFITS
Other Employee benefits such as Leave Fare
Concession and Additional Retirement Benefit on
Retirement are provided for based on actuarial
valuation. In respect of overseas branches and offices,
the benefits in respect of employees other than those on
deputation are valued and accounted for as per laws
prevailing in the respective territories.
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12. ACCOUNTING FOR LEASES
Lease payments including cost escalation for assets
taken on operating lease are recognized in the Profit and
Loss Account over the lease term or life whichever is
lower.
13. CONTINGENT LIABILITIES AND PROVISIONS
13.1 Contingent liability: Past events leading to, possible or
present obligations are recognized as contingent liability
in the following instances where:
(a) The existence of such obligations has not been
confirmed
(b) no outflow of resources are required to settle such
obligations
(c) a reliable estimate of the amount of the obligations
cannot be made
(d) such amounts are not material
13.2 (a) Provision is recognized in case of present obligations
where a reliable estimate can be made and / or
where there are probable outflow of resources
embodying foregoing of economic benefits to
settle the obligations, excluding frivolous claims.
(b) Provision for Market Risk, Country Risk, etc., are
made in terms of extant instructions of RBI.
(c) Floating provision as identified by the Bank
Management is provided for.
Floating provision may be utilized as per extant RBI
guidelines, for -
(i) Making specific provisions for non-performing
assets;
(ii) Meeting any shortfall in sale of non-performing
assets.
14. IMPAIRMENT OF ASSETS
Impairment losses, if any, on Fixed Assets (including
revalued assets) are recognised and charged to Profit
and Loss Account in accordance with the Accounting
Standard 28 “Impairment of Assets”. However, an
impairment loss on a revalued asset is recognised directly
against any revaluation surplus for the asset to the extent
that the impairment loss does not exceed the amount held
in the revaluation surplus for that same asset.
15. TAXES ON INCOME
15.1 Provision for tax is made for both Current Tax and
Deferred Tax.
15.2 Current tax is measured at the amount expected to be
paid to the taxation authorities, using the applicable tax
rates, tax laws and favourable judicial pronouncements /
legal opinion.
15.3 Deferred Tax Assets and Liabilities arising on account of
timing differences and which are capable of reversal in
subsequent periods are recognized using the tax rates
and tax laws that have been enacted or substantively
enacted till the date of the Balance Sheet. Deferred Tax
Assets are not recognized unless there is “virtual
certainty” that sufficient future taxable income will be
available against which such deferred tax assets will be
realized.
 SCHEDULE 18 - NOTES ON ACCOUNTS TO
STANDALONE FINANCIAL STATEMENTS (2021-22)
1. Regulatory Capital
a. Composition of Regulatory Capital
(Amount ` in crore)

Sl.No. Particulars 2021-22 2020-21

i) Common Equity Tier 1 capital (CET 1) 38725.15 33608.94

ii) Additional Tier 1 capital 1980.00 1980.00

iii) Tier 1 capital (i + ii) 40705.15 35588.94

iv) Tier 2 capital 10394.93 11255.87

v) Total capital (Tier 1+Tier 2) 51100.08 46844.81

vi) Total Risk Weighted Assets (RWAs) 308937.61 298096.60

vii) CET 1 Ratio (CET 1 as a percentage of RWAs) 12.53% 11.27%

viii) Tier 1 Ratio (Tier 1 capital as a percentage of RWAs) 13.17% 11.93%

ix) Tier 2 Ratio (Tier 2 capital as a percentage of RWAs) 3.36% 3.78%

x) Capital to Risk Weighted Assets Ratio (CRAR) (Total Capital as 16.53% 15.71%
a percentage of RWAs)

xi) Leverage Ratio 5.64% 4.71%

xii) Percentage of the shareholding of Government of India 79.86% 88.06%

xiii) Amount of paid-up equity capital raised during the year 116.07** -

xiv) Amount of non-equity Tier 1 capital raised during the year, of which: – 2000.00
Basel III compliant Perpetual debt instruments, – 2000.00

xv) Amount of Additional Tier 2 capital raised; of which – 2000.00

Basel III Compliant Debt capital instrument: – 2000.00

Note:- ** During the Financial year 2021-22, the Bank has raised equity capital of Rs 1650 crores through Qualified Institutions
Placement at an issue price of Rs 142.15 per equity share including a premium of Rs 132.15 per equity share. Post allotment of
11,60,74,569 new equity shares of face value of Rs 10 each under QIP, the total paid up shares of the Bank increased from
112,93,66,570 to 124,54,41,139.

b. Draw down from Reserves (Amount ` in crore)

Reserves Amount drawn Purpose

2021-22 2020-21

Revaluation Reserve 143.42 142.87 Depreciation on revalued portion on Premises

The amount was credited to Revenue Reserve A/c as per the provisions of Accounting Standard 10.

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2. Asset liability management
a. Maturity pattern of certain items of assets and liabilities as at 31st March 2022 (Amount ` in crore)

Over Over Over Over Over

2 to 7 8 to 14 15 to 30 31 days
1 day 2 months 3 months 6 months 1 year 3 years Over 5
days days days to Total
and upto and upto and upto and upto and upto years
2 months
3 months 6 months 3 years 3 years 5 years
Deposits 5027.27 16470.30 13487.73 19073.00 23215.33 28660.05 33662.81 42308.15 68964.57 57032.74 285715.86 593617.81
Advances 4642.20 5075.71 6169.22 8684.51 16889.71 14524.67 21851.45 39896.86 149150.18 63129.76 59171.80 389186.06
Investments* 26398.06 13503.04 10208.16 11382.52 2743.67 2473.02 5739.99 8325.67 16308.61 10904.50 66133.45 174120.69
Borrowings 343.45 0.00 322.53 0.00 330.83 322.53 1059.18 2270.40 6495.40 6000.00 0.00 17144.31
Foreign
Currency 1148.89 268.65 833.27 2274.80 4967.23 6219.16 2280.30 1138.91 1747.82 1832.35 136.62 22848.00
Assets
Foreign 93.92 489.51 185.98 1077.07 2035.72 2068.64 703.42 1918.42 2626.06 595.55 474.27 12268.56
Currency
Liabilities
* Excludes 50% of listed equities of Rs.437.90 crore

b. Liquidity Coverage Ratio (LCR) (Amount ` in crore)

Q1:2021-22 Q2:2021-22 Q3:2021-22 Q4:2021-22

Total Un- Total Total Un- Total Total Un- Total Total Un- Total
Sl.
Parameter Weighted Weighted Weighted Weighted Weighted Weighted Weighted Weighted
No.
Value Value Value Value Value Value Value Value
(Average) (Average) (Average) (Average) (Average) (Average) (Average) (Average)

High Quality Liquid Assets

1 Total High Quality Liquid Assets (HQLA) 151115.13 158314.12 166095.81 158132.09

Cash Outflows
2 Retail Deposits and Deposits from 261631.96 24395.04 261491.42 24468.63 259700.32 24317.89 267083.83 19817.54
Small Business Customers of which:
(i) Stable Deposits 35363.07 1768.15 33610.17 1680.51 33042.90 1652.14 137816.80 6890.84
(ii) Less Stable Deposits 226268.88 22626.89 227881.24 22788.12 226657.43 22665.74 129267.03 12926.70
3 Unsecured Wholesale Funding, of which 166998.38 79476.66 167413.72 77874.98 175592.63 80940.41 177327.36 85519.68
(i) Operational Deposits (all counterparties) 0.03 0.01 0.00 0.00 0.00 0.00 0.00 0.00
(ii) Non-operational Deposits 166105.86 78584.17 166629.94 77091.20 174712.24 80060.02 176149.35 84341.67
(all counterparties)
(iii) Unsecured Debt 892.48 892.48 783.78 783.78 880.39 880.39 1178.01 1178.01

4 Secured Wholesale Funding 0.00 0.00 0.00 0.00

5 Additional requirements of which 65030.23 26984.14 69281.45 25247.90 73874.84 29217.54 66874.64 33508.37
(i) Outflows related to derivative exposures 23353.29 23353.29 20941.21 20941.21 24941.11 24941.11 29814.25 29814.25
and other collateral requirements
(ii) Outflows related to loss of funding 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
on debt products
(iii) Credit and liquidity facilities 41676.94 3630.85 48340.24 4306.69 48933.72 4276.43 37060.39 3694.12
6 Other contractual funding obligations 1911.55 1911.55 3418.20 3418.20 2938.19 2938.19 3626.74 3626.74
7 Other contingent funding obligations 36846.99 1105.41 36662.27 1099.87 37690.08 1130.70 33176.14 995.28

8 TOTAL CASH OUTFLOWS 133872.80 132109.58 138544.74 143467.62

- 321 -
 Q1:2021-22 Q2:2021-22 Q3:2021-22 Q4:2021-22
Total Un- Total Total Un- Total Total Un- Total Total Un- Total
Sl.
Parameter Weighted Weighted Weighted Weighted Weighted Weighted Weighted Weighted
No.
Value Value Value Value Value Value Value Value
(Average) (Average) (Average) (Average) (Average) (Average) (Average) (Average)

Cash Inflows
9 Secured lending (e.g. reverse repos) 3103.51 0.00 12358.16 0.00 22202.84 0.00 35061.67 0.00
10 Inflows from fully performing exposures 39887.37 21630.17 39837.22 22571.91 37918.61 20029.39 34474.46 18673.44
11 Other cash inflows 30487.92 28197.40 28051.85 25714.99 30908.97 28846.68 42438.47 37813.47
12 Total Cash Inflows 73478.80 49827.57 80247.22 48286.90 91030.42 48876.07 111974.60 56486.91
Total Total Total Total
adjusted adjusted adjusted adjusted
value value value value
13 Total HQLA 151115.13 158314.12 166095.81 158132.09
14 Total Net Cash Outflows 84045.23 83822.67 89668.66 86980.71
15 Liquidity Coverage Ratio 179.80% 188.87% 185.23% 181.80%

Note: The average weighted and un-weighted amounts are calculated taking simple average based on daily observations for the
respective quarter.

Un-weighted values are calculated as outstanding balances maturing or callable within 30 days (for inflows and outflows) except
where otherwise mentioned in the circular and LCR template.

Weighted values are calculated after the application of respective haircuts (for HQLA) or inflow and outflow rates (for inflows and
outflows)

Adjusted values calculated after the application of both (i) haircuts and inflow and outflow rates and (ii) any applicable caps (i.e. cap
on Level 2B and Level 2 assets for HQLA and cap on inflows).

The LCR is designed to promote short-term resilience of a bank's liquidity risk profile by ensuring that it has sufficient high quality
liquid resources to survive an acute stress scenario lasting for 30 days. As per the RBI guidelines minimum requirement of LCR for
FY 2021-22 on a daily basis is 100%. The methodology for estimating the LCR is based on RBI guidelines updated on time to time.

The LCR is calculated by dividing the amount of high quality liquid unencumbered assets (HQLA) by the estimated net outflows over
a 30 calendar day period. The net cash outflows are calculated by applying RBI prescribed outflow factors to the various categories
of liabilities (deposits viz Retail, Small Business customers (deposits upto ` 7.50 crore), unsecured and secured wholesale
borrowings) as well as to undrawn commitments and derivatives-related exposures partially offset by inflows from assets maturing
within 30 days.

The bank during the quarter ended March 31, 2022 had maintained average HQLA (after haircut) of Rs.158132.09 crore. HQLA
primarily includes SLR securities in excess of minimum Statutory Liquidity Ratio (SLR) requirement the extent allowed under the
Marginal Standing Facility (MSF) and the Facility to Avail Liquidity for LCR (FALLCR). Additionally, cash balances in excess of cash
reserve requirement with RBI and the overseas central banks form part of level 1 HQLA. The Daily average LCR of the Indian bank
for the quarter ended March 31, 2022 was 181.80%.

The main drivers of LCR of the bank are sufficient high quality liquid assets (HQLAs) to meet liquidity needs of the bank at all times.
The weighted cash outflows are primarily driven by unsecured wholesale funding which contributed 59.61% of the total weighted
cash outflows. Retail deposits including deposits from small business customers contributed 13.81% of the total weighted cash
outflows. The other contingent funding obligations primarily include bank guarantees (BGs) and letters of credit (LCs) issued on
behalf of the Bank's clients.

Bank has one significant counterparty (Deposit / Borrowing) as on 31.03.2022 contributing 1.27% of total deposits. The total
contribution of the top 20 largest domestic depositors as on 31.03.2022 is 6.69% of the total deposits. The significant domestic
product / instruments includes Savings deposit, Current deposit and Term deposit which are 31.44%, 5.47% and 51.47% of bank's
total liability respectively, the funding from which are widely spread and there is no concentration risk for the bank.

- 322 -
 b. Net Stable Funding Ratio (NSFR) (Amount ` in crore)

31.12.2021 31.03.2022
Un-weighted value by residual maturity Un-weighted value by residual maturity
Sl.
No. 6 6
No <6 Weighted No <6 Weighted
months ≥ 1yr months ≥ 1yr
maturity* months Value maturity* months Value
to < 1yr to < 1yr
ASF Item
1 Capital: (2+3) 39853.48 0.00 0.00 8380.00 48233.48 44062.22 0.00 0.00 8080.00 52142.22
2 Regulatory capital 39853.48 0.00 0.00 8380.00 48233.48 44062.22 0.00 0.00 8080.00 52142.22
3 Other capital instruments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4 Retail deposits and deposits from small 179557.90 71882.04 70536.93 52567.02 351300.44 184908.11 73404.57 67261.82 54427.59 356530.25
business customers: (5+6)
5 Stable deposits 115906.39 27049.45 36128.90 20703.01 190833.52 119522.60 27985.92 34203.85 21217.20 193843.95
6 Less stable deposits 63651.51 44832.59 34408.03 31864.01 160466.92 65385.52 45418.65 33057.96 33210.39 162686.31
7 Wholesale funding: (8+9) 54988.48 74936.84 44479.07 13584.79 100786.99 63018.08 98323.83 38356.79 13874.59 113723.94
8 Operational deposits 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
9 Other wholesale funding 54988.48 74936.84 44479.07 13584.79 100786.99 63018.08 98323.83 38356.79 13874.59 113723.94

- 323 -
10 Other liabilities: (11+12) 4161.97 18552.36 2278.65 22295.63 22814.95 668.61 7446.72 2365.84 16473.03 16735.95
11 NSFR Derivative Liabilities 0.00 0.00 0.00 0.00 0.00 0.00
12 All other liabilities and equity not 4161.97 18552.36 2278.65 22295.63 22814.95 668.61 7446.72 2365.84 16473.03 16735.95
included in the above categories
13 Total ASF (1+4+7+10) 523135.86 539132.36
RSF Item
14 Total NSFR high-quality liquid
assets (HQLA) 7790.46 7580.13
15 Deposits held at other institutions for 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
operational purposes
16 Performing loans and securities: 1569.68 130779.58 54820.40 239833.32 297039.40 1651.26 139580.70 63349.65 235712.38 297275.69
(17+18+19+21+23)
17 Performing loans to financial institutions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
secured by Level 1 HQLA
18 Performing loans to financial 0.00 29616.25 5328.79 41588.77 48695.60 0.00 35398.28 10686.30 39314.41 49967.30
institutions secured by non-Level1
HQLA and unsecured performing
loans to financial institutions
 (Amount ` in crore)

31.12.2021 31.03.2022
Un-weighted value by residual maturity Un-weighted value by residual maturity
Sl.
No. 6 6
No <6 Weighted No <6 Weighted
months ≥ 1yr months ≥ 1yr
maturity* months Value maturity* months Value
to < 1yr to < 1yr
19 Performing loans to non-financial 0.00 96829.43 48389.69 143750.35 199106.35 0.00 101554.01 51985.64 140240.58 199005.84
corporate clients, loans to retail and
small business customers, and loans
to sovereigns, central banks,
and PSEs, of which:
20 With a risk weight of less than or equal 0.00 6367.72 392.64 9611.78 8186.07 0.00 5587.24 1350.11 10117.08 8527.21
to 35% under the Basel II Standardised
Approach for credit risk
21 Performing residential mortgages, 0.00 31.19 22.62 29860.67 21873.78 0.00 16.62 17.00 31360.88 22843.69
of which:
22 With a risk weight of less than or equal 0.00 15.49 8.60 20528.21 10276.15 0.00 11.53 7.64 22086.32 11052.75
to 35% under the Basel II Standardized
Approach for credit risk
23 Securities that are not in default and do 1569.68 4302.71 1079.31 24633.53 27363.67 1651.26 2611.79 660.71 24796.52 25458.87
not qualify as HQLA, including

- 324 -
exchange-traded equities
24 Other assets: (sum of rows 25 to 29) 7129.41 179.01 23.23 23247.07 30045.39 7687.54 123.60 12.74 22909.62 30357.10
25 Physical traded commodities, 0.00 0.00 0.00 0.00
including gold
26 Assets posted as initial margin for 0.00 0.00 0.00 3555.49 3022.17 0.00 0.00 0.00 2509.39 2132.98
derivative contracts and contributions
to default funds of CCPs
27 NSFR derivative assets 0.00 122.90 0.00 23.98 146.88 0.00 95.60 0.00 45.34 140.94
28 NSFR derivative liabilities before 0.00 56.12 23.23 0.07 79.42 0.00 28.00 12.74 0.07 40.82
deduction of variation margin posted
29 All other assets not included in the 7129.41 0.00 0.00 19667.52 26796.93 7687.54 0.00 0.00 20354.82 28042.36
above categories
30 Off-balance sheet items 1210.57 1256.36
31 Total RSF (14+15+16+24+30) 336085.82 336469.29
32 Net Stable Funding Ratio (%) 155.66% 160.23%

* Items to be reported in the 'no maturity' time bucket do not have a stated maturity. These may include, but are not limited to, items such as capital with perpetual
maturity, non-maturity deposits, short positions, open maturity positions, Non-HQLA equities, and physical traded commodities.
The Net Stable Funding Ratio (NSFR) is a significant component of the Basel III reforms. The NSFR promotes resilience over a
longer-term time horizon by requiring banks to fund their activities with more stable sources of funding on an ongoing basis. As per
the latest RBI Guidelines, NSFR is effective from October 01, 2021.

NSFR is defined as the amount of Available Stable Funding relative to the amount of Required Stable Funding.

Available Stable Funding (ASF)

_ 100%
>
Required Stable Funding (RSF)

Available Stable Funding (ASF)

ASF is defined as the portion of capital and liabilities expected to be reliable over the time horizon considered (viz. up to 1 year) by the
NSFR. The amount of ASF is measured, based on the broad characteristics of the relative stability of an institution's funding sources,
including the contractual maturity of its liabilities and the differences in the propensity of different types of funding providers to
withdraw their funding

Required Stable Funding (RSF)

RSF is the amount of stable funding required based on the liquidity characteristics and residual maturities of various assets held by
that institution as well as those of its off-balance sheet (OBS) exposures. RSF is computed by multiplying the outstanding amount of
the specified component with the prescribed and associated RSF Factor.

The objective of NSFR is to ensure that banks maintain a stable funding profile in relation to the composition of their assets and off-
balance sheet activities. The NSFR limits over-reliance on short-term wholesale funding, encourages better assessment of funding
risk across all on and off-balance sheet items, and promotes funding stability.

Bank's NSFR stands at 155.66% as on 31.12.2021 and 160.23% as on 31.03.2022. NSFR is above the minimum regulatory
requirement of 100%. As on 31.03.2022, the Available Stable Funding (ASF) was Rs. 5,39,132 crore and the Required Stable
Funding (RSF) was Rs. 3,36,469 crore.

Bank also computes Liquidity Coverage Ratio and prepares Structural Liquidity Statements on a daily basis to assess the liquidity
needs of the Bank.

- 325 -
 3. Investments
a. Composition of Investment Portfolio (As at 31.03.2022) (Amount ` in crore)

Investments in India Investments outside India

Government
Other Deben Subsidiaries Total Securities Subsidiaries Investments Total
Government
Approved Shares -tures and and / or joint Others investments (including and / or joint Others outside
Securities local
Securities Bonds ventures in India ventures India
authorities)
Held to Maturity
Gross 134412.04 0 0.00 1645.95 252.10 152.72 136462.81 550.59 0.00 0.08 550.67 137013.48
Less: Provision for 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
Depreciation and non-
performing investments
(NPI)
Net 134412.04 0.00 0.00 1645.95 216.17 152.72 136426.88 550.59 0.00 0.08 550.67 136977.55
Available for Sale
Gross 24018.10 0.00 2306.13 11867.77 0.00 3738.79 41930.79 1151.42 0.00 98.44 1249.86 43180.65
Less: Provision for 150.63 0.00 1114.50 998.37 0.00 3279.43 5542.93 0.00 0.00 97.96 97.96 5640.89
Depreciation and non-

- 326 -
performing investments
(NPI)
Net 23867.47 0.00 1191.63 10869.41 0.00 459.36 36387.86 1151.42 0.00 0.48 1151.90 37539.76
Held for Trading
Gross 34.49 0.00 6.79 0.00 0.00 0.00 41.28 0.00 0.00 0.00 0.00 41.28
Less: Provision for
Depreciation and non-
performing investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(NPI)
Net 34.49 0.00 6.79 0.00 0.00 0.00 41.28 0.00 0.00 0.00 0.00 0.00
Total Investments 158464.63 0.00 2312.92 13513.72 252.10 3891.51 178434.88 1702.01 0.00 98.52 1800.53 180235.41
Less: Provision for non-
performing investments 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
(NPI)
Less: Provision for 150.63 0.00 1114.50 998.37 0.00 3279.43 5542.93 0.00 0.00 97.96 0 .00 5640.89
Depreciation and NPI
Net 158314.00 0.00 1198.42 12515.35 216.17 612.08 172856.02 1702.01 0.00 0.56 1702.57 174558.59
 As at 31.03.2021 (Amount ` in crore)

Investments in India Investments outside India

Government
Total Total
Other Deben Subsidiaries Total Securities Subsidiaries
Government Investments Investments
Approved Shares -tures and and / or joint Others investments (including and / or joint Others
Securities local outside
Securities Bonds ventures in India ventures
authorities) India

Held to Maturity
Gross 105599.64 0.00 0.00 22058.24 252.10 65.53 127975.51 723.22 0.00 0.11 723.33 128698.84
Less: Provision for 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
Depreciation and non-
performing investments
(NPI)
Net 105599.64 0.00 0.00 22058.24 216.17 65.53 127939.57 723.22 0.00 0.11 723.33 128662.90
Available for Sale
Gross 34047.85 5.23 2221.37 9370.00 0.00 5950.49 51594.95 1602.60 0.00 94.97 1697.57 53292.52
Less: Provision for 24.09 0.00 1234.79 2074.31 0.00 1990.77 5323.96 0 0.00 94.48 94.48 5418.44
Depreciation and non-
performing investments

- 327 -
(NPI)
Net 34023.76 5.23 986.58 7295.69 0.00 3959.72 46270.99 1602.60 0.00 0.49 1603.09 47874.08
Held for Trading
Gross 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0.00
Less: Provision for
Depreciation and non-
performing investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(NPI)
Net 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0 0 0.00
Total Investments 139647.49 5.23 2221.37 31428.24 252.10 6016.02 179570.45 2325.82 0.00 95.08 2420.90 181991.35
Less: Provision for non- 0.00 0.00 0.00 0.00 35.93 0.00 35.93 0.00 0.00 0.00 0.00 35.93
performing investments
Less: Provision for 24.09 0.00 1234.79 2074.31 0.00 1990.77 5323.97 0.00 0.00 94.48 94.48 5418.45
Depreciation and NPI
Net 139623.40 5.23 986.58 29353.93 216.17 4025.25 174210.56 2325.82 0.00 0.60 2326.42 176536.97
Note:- Value of SRs shown under 'Others' in place of 'Debentures and Bonds' and hived off provision shown under provision for Depreciation and NPI to have
congruence with reporting of FY 2021-22.
b. Movement of Provisions for Depreciation and Investment Fluctuation Reserve
(Amount ` in crore)
Particulars 2021-22 2020-21
i) Movement of provisions held towards depreciation on
investments
a) Opening Balance 5359.90 4943.07
b) Add: Provisions made during the year 789.03 1022.00
c) Less: Write off / write back of excess provisions during 570.06 605.17
the year
d) Closing Balance 5578.86 5359.90
ii) Movement of Investment Fluctuation reserve
a) Opening Balance 1031.90 566.99
b) Add: Amount transferred during the year - 464.91
c) Less: Drawdown - -
d) Closing balance 1031.90 1031.90
iii) Closing balance in IFR as a percentage of closing balance
of investments* in AFS and HFT / Current Category 2.46% 2.00%
*Carrying value less net depreciation (ignoring net appreciation) i.e. the net amount reflected in the Balance sheet

c. Sale and transfers to/from HTM category

The value of sales and transfers of securities to/from HTM category did not exceed 5 per cent of the book value of investments
held in HTM category at the beginning of the year as per RBI guidelines.

l Profit on account of sale of securities from HTM category amounting to Rs 263.51 crores (previous year Rs 85.00
crores) has been taken to Profit and Loss Account and thereafter an amount of Rs.147.90 (previous year Rs.47.71
crores) was transferred to Capital Reserve Account (net of taxes and amount required to be transferred to statutory
reserves).

l Shifting of securities:

(i) In the beginning of the year, the Bank shifted:

l SLR securities for Book Value of Rs.24030.56 crores was shifted from HTM to AFS which has resulted in no additional
provision & Non-SLR VCF securities for Book Value of Rs.3.18 crores from HTM category to AFS category and

l SLR securities for Book Value of Rs.5623.23 crores from AFS category to HTM category which has resulted in
adjustment of provision held against depreciation to reduce the book value to the market value.

l In case of securities classified under HTM category, if acquisition cost is more than the face value, the premium is
amortized over the remaining period to maturity. For the Financial Year 2021-22, a sum of Rs 184 crores (previous year
Rs 261.43 crores) has been amortized and the same is reflected as a deduction from 'Income on Investments'.

d. Non-SLR investment portfolio

i. Non-performing non-SLR investments (Amount ` in crore)
Sl.No. Particulars 2021-22 2020-21
a) Opening balance 1698.73 1623.51
b) Additions during the year since 1st April 510.05 93.07
c) Reductions during the above period 326.77 17.85
d) Closing balance 1882.02 1698.73
e) Total provisions held 809.69 797.45

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 ii) Issuer Composition of Non-SLR Investments (Amount ` in crore)

Extent Of Extent Of “below Extent of Extent Of

Sl.
Issuer Amount Private Investment “unrated” “unlisted”
No.
Placement Grade” Securities Securities Securities
(1) (2) (3) (4) (5) (6) (7)
FY 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021 31.03.2022 31.03.2021
a) PSUs 22460.95 22659.18 20645.70 20507.29 175.00 0.00 0.36 175.36 18068.71 19085.92
b) FIs 5537.00 7290.60 3110.26 5116.48 149.99 332.19 0.00 0.00 57.03 167.04
c) Banks 1806.55 907.22 1358.87 307.50 0.00 0.00 0.00 0.00 16.93 191.08
d) Private 5616.19 6633.03 7316.28 6293.16 260.64 1121.39 160.55 3.50 334.02 4337.84
Corporates #
e) Subsidiaries / 211.50 211.50 211.50 211.50 0.00 0.00 0.00 0.00 132.63 132.63
Joint
Ventures
f) Others 342.75 293.90 256.31 213.17 0.00 0.00 0.00 0.00 260.43 213.17
g) Less: 3505.91 3413.49 xxx xxx xxx xxx xxx xxx xxx xxx
Provision
held towards
depreciation
Total 32469.03 34581.94 32898.92 32649.10 585.63 1453.58 160.91 178.86 18869.74 24127.68

# This figure is net of hived off provision of ` 1922.31 Crore

e. REPO Transactions (in face value terms):

(Amount ` in crore)
Minimum Maximum Daily average
Outstanding
outstanding outstanding outstanding
as on March 31, 2022
during the year during the year during the year

i) Securities sold under repo

a) Government securities 0.00 3328.00 51.09 0.00
b) Corporate debt securities 0.00 0.00 0.00 0.00
c) Any other securities 0.00 0.00 0.00 0.00
ii) Securities purchased under
reverse repo
a) Government securities 600.00 50,043.88 18,202.20 34500.00
b) Corporate debt securities 0.00 0.00 0.00 0.00
c) Any other securities 0.00 0.00 0.00 0.00

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 4. Asset quality
a. Classification of advances and provisions held (Amount ` in crore)

2021-22 2020-21
Standard Non-Performing Total Standard Non-Performing Total
Total Non- Total Non-
Total Sub- Performing Total Sub- Performing
Doubtful Loss Advances Doubtful Loss Advances
Standard Standard Standard Standard
(20-21) (21-22)
Gross Standard Advances and
NPAs

Opening Balance 351861.61 7369.96 24657.89 6427.50 38455.35 390316.96 326665.58 9066.65 24016.29 8914.77 41997.71 368663.29

Add: Additions during the year 10164.66 10164.66 9429.55 9429.55

Less: Reductions during the year 13405.76 13405.76 12971.91 12971.91

Closing Balance 380410.50 5202.88 25063.04 4948.33 35214.25 415624.75 351861.61 7369.96 24657.93 6427.46 38455.35 390316.96

Reductions in Gross NPAs due to:

I) Upgradation 1574.23 1574.23 686.18 686.18

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ii) Recoveries (excluding
recoveries from upgraded accounts 3484.96 3484.96 3914.38 3914.38
& incl others as exchange diff)

iii) Technical / Prudential Write-offs 7057.06 7057.06 7531.18 7531.18

iv) Write-offs other than those 1289.51 1289.51 840.17 840.17

under (iii) above

Provisions (excluding Floating

Provisions)

Opening balance of provisions held 2826.82 1727.63 17644.77 6200.10 25572.50 28399.32 2041.61 1624.01 16575.23 8828.26 27027.50 29069.11

Add: Fresh provisions made

during the year 8142.52 8142.52 6663.77 6663.77

Less: Excess provision reversed / 8024.43 8024.43 8118.77 8118.77

Write-off loans

Closing balance of provisions held 3788.83 1559.09 19475.94 4655.56 25690.59 29479.42 2826.82 1727.63 17644.77 6200.10 25572.5 28399.32
 (Amount ` in crore)

2021-22 2020-21
Standard Non-Performing Total Standard Non-Performing Total
Total Non- Total Non-
Total Sub- Performing Total Sub- Performing
Doubtful Loss Advances Doubtful Loss Advances
Standard Standard Standard Standard
(20-21) (21-22)
Net NPAs
Opening Balance 5539.85 6731.28 0 12271.13 7339.04 6933.29 0 14272.33
Add: Fresh additions during 2022.14 7196.53
the year
Less: Reductions during the year 5444.63 9197.73
Closing Balance 3539.47 5178.62 130.56 8848.64 5539.85 6731.28 0 12271.13
Floating Provisions
Opening Balance 70.76 70.76
Add: Additional provisions made 0 0
during the year
Less: Amount drawn down 0 0
during the year

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Closing balance of floating 70.76 70.76
provisions
Technical write-offs and the
recoveries made thereon
Opening balance of Technical / 30170.05 23370.02
Prudential written-off accounts
Add: Technical / Prudential 7061.85 7531.18
write-offs during the year
Less: Recoveries made from 2312.22 731.15
previously Technical / prudential
written-off accounts during the year
Closing balance 34919.68 30170.05

Ratios (in per cent) 31.03.2022 31.03.2021

Gross NPA to Gross Advances 8.47 9.85
Net NPA to Net Advances 2.27 3.37
Provision coverage ratio 87.38 82.12
b. Sector-wise Advances and Gross NPAs (Amount ` in crore)
31.03.2022 31.03.2021
Sl. Percentage of Percentage of
Sector Outstanding Outstanding
No. Gross Gross NPAs to Gross Gross NPAs to
Total Total
NPAs Total Advances NPAs Total Advances
Advances Advances
in that sector in that sector
i) Priority Sector

a. Agriculture and allied activities 87065.57 8759.40 10.06% 78529.90 8737.81 11.13%

b. Advances to industries sector 26752.74 4694.10 17.55% 20662.08 3695.90 17.89%

eligible as priority sector lending

c. Services 47795.22 5974.44 12.50% 49519.11 5015.84 10.13%

d. Personal loans 22022.67 1972.32 8.96% 21147.36 1576.37 7.45%

Sub-Total (I) 183636.20 21400.26 11.65% 169858.45 19025.92 11.20%

ii) Non Priority Sector

a. Agriculture and allied activities 1068.53 150.64 14.10% 203.00 1.93 0.95%

b. Industry 84098.33 7999.90 9.51% 109110.62 12647.19 11.59%

c. Services 88801.51 4082.68 4.60% 47889.06 5442.63 11.37%

d. Personal loans 58020.18 1580.77 2.72% 48945.52 1337.67 2.73%

Sub-Total (ii) 231988.55 13813.99 5.95% 220458.50 19429.42 8.81%

Total (i+ii) 415624.75 35214.25 8.47% 390316.96 38455.34 9.85%

c. In accordance with Asset Quality Review (AQR) undertaken by RBI, the Bank has made additional provisions during
the year, on certain accounts, as advised by RBI : NIL
d. Overseas Assets, NPAs and Revenue (Amount ` in crore)
Particulars 31.03.2022 31.03.2021
Total Assets 21674.74 14417.83
Total NPAs 1271.24 1240.56
Total Revenue 307.69 327.25

e. Particulars of resolution plan and restructuring

Impact of RBI Circular No RBI/2018-19/2013 DBR No BP.BC.45/21.04.048/2018-19 dated 07.06.2019 on resolution of stressed
assets - Revised framework is as follows:
(Amount ` in crore)

Amount of Amount of loans Addl. provision

Amount of Provision out of
loans to be as on 31.03.2022, required for loans
loans impacted (d) already made
classified as out of (b) covered under
by RBI circular by 31.03.2022
NPA classified as NPA RBI circular
(a) (e)
(b) (c) (d)

16129.57 16015.05 16015.05 1643.32 1643.32*

* including provision of Rs.737.70 Crore on Non Fund outstanding of the NPA account as on 31.03.2022.

Details of Resolution plans implemented during FY 2021-22 in terms of RBI circular No. DBR No BP.BC.45/21.04.048/2018-
19 dated 07.06.2019:
Resolution plan in terms of RBI circular No. DBR No BP.BC.45/21.04.048/2018-19 dated 07.06.2019 has been successfully
implemented in NPAaccount, M/s TCI SANMAR CHEMICAS SAE having outstanding balance of Rs.73.49 Crore as on 31.03.2022.
Resolution period extended in any accounts as provided in para 3 & 4 of RBI circular No.DOR.No.BP.BC.62/21.04.048/2019-20
DATED 17.04.2020: NIL

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f. Divergence in asset classification and provisioning (Amount ` in crore)
Sl.No. Particulars Amount
1. Gross NPAs as on March 31, 2021 as reported by the bank 38455.35
2. Gross NPAs as on March 31, 2021 as assessed by Reserve Bank of India 38659.35
3. Divergence in Gross NPAs (2-1) 204.00**
4. Net NPAs as on March 31, 2021 as reported by the bank 12271.13
5. Net NPAs as on March 31, 2021 as assessed by Reserve Bank of India 12164.13
6. Divergence in Net NPAs (5-4) -107.00
7. Provisions for NPAs as on March 31, 2021 as reported by the bank 26184.22
8. Provisions for NPAs as on March 31, 2021 as assessed by Reserve Bank of India 26495.22
9. Divergence in provisioning (8-7) 311.00
10 Reported Profit before Provisions and Contingencies for the year ended March 31, 2021 11395.65
11. Reported Net Profit after Tax (PAT) for the year ended March 31, 2021 3004.68
12. Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 2021 after considering 2693.68
the divergence in provisioning
* March 31, 2021 is the close of the reference period in respect of which divergences were assessed.
** Total divergence in Gross NPA is Rs.290.00 crore out of which Rs.86.00 crore is non funded BG of ILFS transport and network
limited for which 100% provision was already made.
g. Disclosure of transfer of loan exposures
In accordance with RBI Circular No DOR.STR.REC.51/21.04.048/2021-22 dated September 24, 2021 the details of loans
transferred/ acquired during year ended March 31, 2022 are given below:

i. Details of loans not in default acquired:

Particular RBD RETAIL MSME

Mode of Acquisition Direct Assignment Direct Assignment Direct Assignment

Aggregate Principal outstanding of loans acquired

(Rs. in Crore) 465.69 2230.60 1566.25

Weighted Average Residual Maturity (in years) 2 11.47 4.50

Weighted Average Holding Period by originator 0.25 0.51 0.49

(in years)

Retention of beneficial economic interest by 10% 10% 10%

the originator (%)

Tangible Security Coverage (%) 110% 110% 114%

Rating Wise Distribution of loans acquired by value A Rated Accounts AA Rs. 399.27 Cr AA(+/-): Rs. 1327.10 Cr
AA- Rs. 1721.30 Cr A(+/-): Rs. 239.15 Cr
A+ Rs. 110.03 Cr

ii. Details of loans not in default transferred: NIL

- 333 -
iii. Details of stressed loan transferred: (Amount ` in Crore except number of accounts)
Details of Stressed loans (NPA Accounts) transferred during the period of 01.04.2021 to 31.03.2022
Particular To ARCs To permitted To other
transferees transferees
No. of Accounts 2 1
Aggregate principal outstanding loans transferred 309.86 10.09
Weighted average residual tenor of the loans transferred 40 Months NIL
Net book value of loans transferred (at the time of transfer) 9.33 0.00 NIL
Aggregate Consideration 101.53 2.80
Additional consideration realized in respect of accounts
transferred in earlier years 0.00 0.00

iv. Details of loans acquired during the year: (Amount ` in crore)

Particulars From SCBs, RRBs, UCBs, StCBs, DCCBs, AIFIs, From ARCs
SFBs and NBFCs including Housing Finance
Companies (HFCs)
Aggregate principal outstanding of loans acquired
Aggregate consideration paid NIL
Weighted average residual tenor of loans acquired

The Bank has reversed the amount of Rs.95 Cr of excess provision to the profit and loss account on account of sale of stressed loans
during the FY 2021-22.
v. The distribution of Security Receipts (SRs) held by the Bank across the various categories of Recovery Ratings assigned to
such SRs by the Credit Rating Agencies as on 31.03.2022 is given as under:

(Amount ` in crore)
Recovery Rating Book Value

RR1+ (More than 150%) 2.39

RR1 (100%-150%) 777.65

RR2 (75%-100%) 424.23

RR3 (50%-75%) 289.98

RR4 (25%-50%) 636.33

RR5 (0%-25%) 1023.04

SRs - Rating Exempted during planning period 57.36

TOTAL 3210.98

The bank is holding 100% provisions, inclusive of hived-off provision.

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 h. Details of financial assets sold to Asset Reconstruction Companies (ARCs)
(Amount ` IIn Crore except number of accounts)

Particulars 2021-22 2020-21

(I) No. of Accounts 3 709

(ii) Aggregate value (net of provisions) of accounts sold to SC/RC 9.33 11.35

(iii) Aggregate consideration 104.33 48.84

(iv) Additional consideration realized in respect of accounts transferred in earlier years 37.40 1.96

(v) Aggregate gain/ loss over net book value 95.00 39.45

i. Fraud accounts (Amount ` in Crore)

Particulars 2021-22 2020-21

Number of frauds reported 211 219

Amount involved in fraud (` crore) 2036.71 3759.68

Amount of provision made for such frauds (` crore) 1780.77 3759.60

Amount of Unamortised provision debited from 'other reserves' as at the 0.00 0.00
end of the year. (` crore)

* Bank carries the provision of Rs.1780.77 crore against fraud cases after taking into account recoveries made.

j. MSME DISCLOSURE

Based on RBI Circular DBR No.BP.BC 18/21.04.048/2018-19 dated January 1, 2019 and BP.BC.34/21.04.048/2019-20 dated
11.02.2020 the Bank has restructured MSME accounts as detailed below:

Balance outstanding in these

Details No. of accounts accounts as on 31.03.2022
(Amount ` in Crore)

Accounts restructured O/s 45419 2875

Of which, slipped to NPA 26333 1364

Net Standard advances 19086 1511

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k. Disclosure under Resolution Framework for COVID-19-related Stress

Details of resolution plan implemented under the resolution framework for covid-19 related stress as per RBI Circulars dated
August 6, 2020 and dated May 5, 2021 are given below

(Amount ` in crore)

Exposure to
accounts Of (A) amount Exposure to accounts
Of (A), aggregate Of (A) amount
classified as paid by the classified as Standard
debt that slipped written off
Standard borrowers consequent to
Type of into NPA during during the
consequent to during the implementation of
borrower the half- year half-year
implementation half- year resolution plan -
ended ended
of resolution plan- ended Position as
31.03.2022 31.03.2022
Position 31.03.2022 at 31.03.2022
30.09.2021 (A)

Personal Loans 7999 188 0 266 7831

Corporate persons* 5665 1020 0 860 4680

Of which MSMEs 2587 169 0 220 3068

Others 5557 314 0 316 5911

Total 19221 1523 0 1442 18422

* As defined in section 3(7) of the Insolvency and Bankruptcy Code, 2016

l. Covid Measures:

The spread of COVID-19 across the globe has resulted in declined economic activity and increased volatility in financial markets. In

this situation, though the challenges continue to unfold, the Bank is gearing itself on all fronts to meet the same. The situation

continues to be uncertain and the Bank is evaluating the situation on an ongoing basis. The extent to which the COVID-19 pandemic

will impact the Bank's results will depend on future developments, which are highly uncertain. Major challenges for the Bank would

be from extended working capital cycle and reduced cash flows. The Bank's capital and liquidity position is strong and would

continue to be the focus area for the Bank during this period.

- 336 -
5. Exposures
a. Exposure to Real Estate Sector (Amount ` in crore)

Category 31.03.2022 31.03.2021

i) Direct exposure

a) Residential Mortgages -

Lending fully secured by mortgages on residential property that is or will be occupied 42042.63 39600.06
by the borrower or that is rented.

Out of which individual housing loans eligible for being included under priority sector. 19141.34 17181.98

b) Commercial Real Estate -

Lending secured by mortgages on commercial real estate (office buildings, retail space, 8351.70 7932.84
multipurpose commercial premises, multifamily residential buildings, multi tenanted
commercial premises, industrial or warehouse space, hotels, land acquisition,
development and construction, etc.). Exposure would also include non-fund based
(NFB) limits;

c) Investments in Mortgage-Backed Securities (MBS) and other securitized exposures -

I. Residential NIL NIL

ii. Commercial Real Estate NIL NIL

ii) Indirect Exposure

Fund based and non-fund-based exposures on National Housing Bank and 24353.80 23729.22
Housing Finance Companies.

Total Exposure to Real Estate Sector 74748.13 71262.12

b. Exposure to Capital Market (Amount ` in crore)

Particulars 31.03.2022 31.03.2021

I) Direct investment in equity shares, convertible bonds, convertible debentures and 2140.16 1975.47
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 or on clean basis 29.17 54.93
to individuals for investment in shares (including IPOs / ESOPs), convertible bonds,
convertible debentures, and units of equity oriented mutual funds;

iii) Advances for any other purposes where shares or convertible bonds or convertible NIL 15.16
debentures or units of equity oriented mutual funds are taken as primary security;

iv) Advances for any other purposes to the extent secured by the collateral security of NIL NIL
shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds i.e. where the primary security other than shares / convertible bonds /
convertible debentures / units of equity oriented mutual funds does not fully cover
the advances;

- 337 -
 (Amount ` in crore)

Particulars Current Year Previous Year

v) Secured and unsecured advances to stockbrokers and guarantees issued on behalf

of stockbrokers and market makers; 317.75 121.50

vi) Loans sanctioned to corporates against the security of shares / bonds / debentures
or other securities or on clean basis for meeting promoter's contribution to the
equity of new companies in anticipation of raising resources; NIL NIL

vii) Bridge loans to companies against expected equity flows / issues; NIL NIL

viii) Underwriting commitments taken up by the banks in respect of primary issue of

shares or convertible bonds or convertible debentures or units of equity oriented
mutual funds; NIL NIL

ix) Financing to stockbrokers for margin trading; NIL NIL

x) All exposures to Venture Capital Funds (both registered and unregistered) 171.03 82.23

Total exposure to capital market 2658.11 2249.29

c. Risk Category-wise Country Exposure (Amount ` in crore)

Provision Provision
Risk Rating Risk category** Exposure (Net) Exposure (Net)
held as at held as at
as at 31.03.2022 as at 31.03.2021
31.03.2022 31.03.2021
A1 Insignificant 16,236.81 7.51 10,888.46 –
A2 Low 7,738.52 -- 4,706.67 –
B1 Moderately Low 19.73 -- 3,085.07 –
B2 Moderate 117.11 -- -- –
C1 Moderately High 995.18 -- -- –
C2 High 0.63 -- -- –
D Restricted -- -- -- –
Off-credit -- -- -- –
25,107.98 7.51 18,680.20 --

** As per the updated country risk classification by the ECGC as of 31.03.2022

COUNTRY RISK MANAGEMENT:

The Bank has analysed its net funded exposure to various countries as on 31.03.2022 and such exposure to countries other than
Singapore is well within the stipulation of 1% of the total assets of the Bank.
In respect of Singapore, which is classified under “Insignificant” risk category (A1) by ECGC Ltd, a provision of Rs.7.51 Crores
(Previous year Nil for 'Insignificant' risk category) is available.
d. Details of Single Borrower Limit (SBL), Group Borrower Limit (GBL), if any, exceeded by the Bank
(Amount ` in crore)
Borrower Name Additional Total Highest Percentage of Percentage of
Exposure Exposure additional exposure Total Exposure
------------------------ ----------------- NIL -------------------- --------------------

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e. Letter of comfort issued by the Bank:
During the year ended 31.03.2022 branches in India have not issued any letter of comfort for financing of imports. Outstanding as on
31.03.2022is NIL. Hence no financial impact on outstanding LOC/LOU
During the year ended 31.03.2022, Letter of Comfort issued by our foreign branches (Singapore, Sri Lankan Branches and GIFT
City) is NIL and Outstanding as on 31.03.2022 is NIL
In view of the Letter of Responsibility given by the Bank to the Monetary Authority of Singapore, the Bank continues to maintain
deposits from FCNR (B) resources to the extent of USD 43.00 Mio (equivalent to INR 325.90 crore) with Singapore Branch to meet
the minimum Net Adjusted Capital funds requirement of the Branch.
Bank has issued LOU for Sri Lankan branches favouring Central Bank of Sri Lanka (CBSL) as per the mandatory requirement of
CBSL. Bank does not anticipate any financial impact in immediate near future on account of LOU issued.
Bank has issued LOC for our IBU/ FBU in IFSC, SEZ Gift City, Gujarat Favouring International Financial Service Centres Authority
(IFSCA) as per the mandatory requirement of IFSCA. Bank does not anticipate any financial impact in immediate near future on
Account of LOC issued. This has been issued in the month of February 2022.
f. Unsecured advances (Amount ` in Crore)
Particulars 2021-22 2020-21
Total unsecured advances of the bank 26610.06 18991.85
Out of the above, amount of advances for which intangible securities NIL NIL
such as charge over the rights, licenses, authority, etc. have been taken
Estimated value of such intangible securities NIL NIL
g. Factoring exposures
Factoring exposures: NIL
h. Intra-group exposures (Amount ` in Crore)
Sl.No. Particulars 2021-22 2020-21
1 Total Amount of intra group exposures 901.85 1030.85
2 Total Amount of top 20 intra group exposures 901.85 1030.85
3 Percentage of intra group exposures to total exposure of the bank 0.16% 0.19%
on borrowers / customers
4 Details of breach of limit on intra group exposures and regulatory NIL NIL
action thereon, if any
i. Unhedged foreign currency exposure
The Bank has in place a policy on managing credit risk arising out of unhedged foreign currency exposures of its borrowers. Where
there is no natural hedge, forward cover is suggested to customers in respect of import/export transactions. The forward cover will
act as Unhedged risk mitigation on exchange risk. While sanctioning the facilities, bank is ensuring that all the exposures (fund based
and non fund based including Letter of Comfort / Letter of Undertaking) in foreign currencies are covered by forward cover. Request
for considering waiver of forward cover if any is considered only at corporate office level. While reviewing the borrowal accounts
hedged and unhedged exposure are captured and impact is analyzed in credit proposals.
The Bank has provided a provision of ` 3.88 Crore and Capital of ` 16.56 Crore for the year ended 31st March 2022 on Unhedged
Foreign Currency Exposure to their constituents in terms of RBI Circular dated January 15, 2014.
6. Concentration of deposits, advances, exposures and NPAs
a) Concentration of Deposits (Amount ` in Crore)
Particulars 2021-22 2020-21
Total Deposits of twenty largest depositors (domestic only) 39721.71 33601.39
Percentage of Deposits of twenty largest depositors to total Deposits of the Bank 6.80 % 6.34%

- 339 -
b) Concentration of advances (Amount ` in Crore)

Particulars 2021-22 2020-21

Total advances to the twenty largest borrowers 51586.08 52342.04
Percentage of advances to twenty largest borrowers to total advances of the bank 12.41% 13.41%
* Advances shall be computed based on credit exposure i.e Funded and non-funded limit including derivative exposure where
applicable. The sanctioned limits or outstanding, whichever are higher, shall be reckoned. However, in the case of fully drawn term
loans, where there is no scope for re-drawal of any portion of the sanctioned limit, Bank may reckon the outstanding as the credit
exposure.

c) Concentration of exposures (Amount ` in Crore)

Particulars 2021-22 2020-21

Total exposure to the twenty largest borrowers/customers 68900.08 68813.87
Percentage of exposures to the twenty largest borrowers / customers to the 11.86% 12.51%
total exposure of the bank on borrowers / customers

d) Concentration of NPAs (Amount ` in Crore)

Particulars 31.03.2022 31.03.2021

Total Exposures to the Top Twenty Accounts 6587.36 7987.90
Percentage of exposures to the Twenty largest NPA exposures to the 18.71% 20.77%
total Gross NPAs
7. DERIVATIVES
a) Forward Rate Agreements / Interest Rate Swaps
The Bank has not entered into Derivative contracts of the nature of Forward Rate Agreements / Interest Rate Swaps (IRS) to
hedge on balance sheet assets during the financial year 2021-2022. (Amount ` in Crore)

Items 2021-22 2020-21

i) The notional Principal of Swap agreement 0.00 0.00
ii) Losses which would be incurred if counterparties failed to
fulfill their obligations under the agreement. NIL NIL
iii) Collateral required by the bank upon entering into swaps NIL NIL
iv) Concentration of Credit Risk arising from the swaps 0.00 0.00
v) The fair value of swap book 0.00 0.00

b) Exchange traded interest rate derivatives

The Bank has not contracted any exchange traded interest derivatives during the current year and in the previous year.

(Amount ` in Crore)

Sl.No. Particulars 2021-22 2020-21

i) Notional principal amount of exchange traded interest rate derivatives NIL NIL
undertaken during the year (instrument-wise)
ii) Notional principal amount of exchange traded interest rate derivatives NIL NIL
outstanding as on 31st March 2022 (instrument-wise)
iii) Notional principal amount of exchange traded interest rate derivatives NIL NIL
outstanding and not “highly effective” (instrument-wise)
iv) Mark-to-Market value of exchange traded interest rate derivatives NIL NIL
outstanding and not “highly effective”: (instrument-wise)

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c) Disclosures on Risk Exposure in Derivatives

i) Qualitative Disclosures:

Bank's policy permits hedging of asset as well as liability using IRS. The hedging transactions are to be accounted on an accrual
basis. Swaps, which hedge interest bearing asset / liability, are accounted for as the asset or liability hedged. Outstanding swap
contracts are marked to market.

All swap deals shall be based on the guidelines of International Swaps Dealers' Association. Bank has adequate control systems and
also internal approvals prior to concluding transactions. There exists a clear functional segregation between (i) trading (Dealing)
(ii) back office (settlement, monitoring and control) and (iii) accounting sections.

In the derivatives segment, the bank's policy permits doing proprietary trading in Overnight Index Swaps (OIS). The activities in this
segment are governed by the Derivatives Policy approved by the Bank's Board.

The gain or loss in OIS transactions is booked in the Profit and Loss account on the maturity or unwinding of the deal whichever is
earlier. For the purpose of valuation of outstanding OIS deals, the fair value of the total swap is computed on the basis of the amount
that would be receivable or payable on termination of the swap as on the balance sheet date. Losses arising there from, if any, are
fully provided for while the profits, if any, are ignored.

Exchange traded FX Derivatives i.e. Currency Futures, are valued at the Exchange determined prices and the resultant gains and
losses are recognized in the Profit and Loss account.

ii) Quantitative disclosures

The Bank is active in the following products under derivatives:-

¦ Currency Futures

Outstanding position in Currency futures as on 31.03.2022 is ` NIL and previous year was ` Nil.

(Amount ` in crore)
31.03.2022 31.03.2021
SI.
Particulars
No. Currency Interest Rate Currency Interest Rate
Derivatives Derivatives Derivatives Derivatives
a) Derivatives (Notional Principal Amount)
I) For hedging 0.00 0.00 0.00 0.00
ii) For trading 0.00 0.00 0.00 0.00

b) Marked to Market Positions

I) Asset (+) 0.00 0.00 0.00 0.00
ii) Liability (-) 0.00 0.00 0.00 0.00

c) Credit Exposure 0.00 0.00 0.00 0.00

d) Likely impact of one percentage change in

interest rate (100*PV01)
I) on hedging derivatives 0.00 0.00 0.00 0.00
ii) on trading derivatives 0.00 0.00 0.00 0.00

e) Maximum and Minimum of 100*PV01 observed

during the year
I) on hedging 0.00 0.00 0.00 0.00
ii) on trading 0.00 0.00 0.00 0.00

d) Credit default swaps: NIL

- 341 -
8.Disclosures relating to securitisation (Number / Amount In ` Crore)

Sl.No. Particulars 2021-22 2020-21

1 No of SPEs holding assets for securitisation transactions originated by the NIL NIL
originator (only the SPVs relating to outstanding securitization exposures
to be reported here)

2 Total amount of securitised assets as per books of the SPEs NIL NIL

3 Total amount of exposures retained by the originator to comply with MRR NIL NIL
as on the date of balance sheet

a) Off-balance sheet exposures

m First loss NIL NIL
m Others

b) On-balance sheet exposures

m First loss NIL NIL
m Others

4 Amount of exposures to securitisation transactions other than MRR NIL NIL

a) Off-balance sheet exposures
I) Exposure to own securitisations
m First loss
m Others
ii) Exposure to third party securitisations
m First loss NIL NIL
m Others

b) On-balance sheet exposures

I) Exposure to own securitisations
m First loss
m Others
ii) Exposure to third party securitisations NIL NIL
m First loss
m Others

5 Sale consideration received for the securitised assets and gain/loss on sale NIL NIL
on account of securitisation

6 Form and quantum (outstanding value) of services provided by way of, NIL NIL
liquidity support, post-securitisation asset servicing, etc.

7 Performance of facility provided. Please provide separately for each facility

viz. Credit enhancement, liquidity support, servicing agent etc. Mention
percent in bracket as of total value of facility provided.
(a) Amount paid
(b) Repayment received
(c) Outstanding amount NIL NIL

8 Average default rate of portfolios observed in the past. Please provide NIL NIL
breakup separately for each asset class i.e. RMBS, Vehicle Loans

9 Amount and number of additional/top up loan given on same underlying NIL NIL
asset. Please provide breakup separately for each asset class i.e. RMBS,
Vehicle Loans, etc.

10 Investor complaints

(a) Directly/Indirectly received and; (b) Complaints outstanding NIL NIL

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9. Off-balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)

Name of the SPV sponsored

Domestic Overseas
NIL NIL

10. Transfers to Depositor Education and Awareness Fund (DEA Fund) (Amount ` in crore)

Particulars 2021-22 2020-21

1. Opening balance of amounts transferred to DEAF 1973.27 1386.90
2. Add : Amounts transferred to DEAF during the year 265.92 596.89
3. Less : Amounts reimbursed by DEAF towards claims during the year 17.70 10.52
4. Closing balance of amounts transferred to DEAF (1+2-3) 2221.49 1973.27

11. Disclosure of complaints

a) Summary information on complaints received by the bank from customers and from the Offices of Banking Ombudsman
(OBOs)

Sl.
Particulars 2021-22 2020-21
No.
Complaints received by the Bank from its Customers

1 Number of complaints pending at the beginning of the year 11834 16804

2 Number of complaints received during the year 254183 321876

3 Number of complaints disposed during the year 264429 326846

3.1 of which, number of complaints rejected by the Bank 531 351

4 Number of complaints pending at the end of the year 1588 11834

Maintainable complaints received by the Bank from Office of Ombudsman

5 Number of maintainable complaints received by the Bank from 7204 4896

Office of Ombudsman

5.1 of 5, Number of complaints resolved in favour of the Bank by 6254 4795

Office of Ombudsman

5.2 of 5, Number of complaints resolved through conciliation / mediation / 460 466

advisories issued by Office of Ombudsman

5.3 of 5, Number of complaints resolved after passing of Awards by 3 0

Office of Ombudsman against the Bank

6 Number of Awards unimplemented within the stipulated time 0 0

(other than those appealed)

Note:- Maintainable complaints refer to complaints on the grounds specifically mentioned in Integrated Ombudsman Scheme,
2021 (Previously Banking Ombudsman Scheme, 2006) and covered within the ambit of the Scheme.

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b) Top five grounds of complaints received by the Bank from customers:
% increase /
Number of Of 5, number
Number of decrease in the Number of
Grounds of which complaints complaints of complaints
complaints number of complaints
pending at the pending
(i.e complaints relating to) received complaints pending at the
beginning beyond
during the year received over end of the year
of the year 30 days
the previous year

1 2 3 4 5 6
Current year
ATM Debit card 4815 137138 -2% 884 0
Internet / Mobile / Electronic 6150 46991 - 62 % 291 0
Banking
Account opening / difficulty in 113 3505 + 118 % 21 0
operation of the Account
Loans and Advances 63 3258 - 20 % 18 0
Pension and facilities for Senior 0 1340 + 224 % 8 0
Citizens / differently abled
Others 693 61951 + 22 % 366 0
Total 11834 254183 - 21 % 1588 0
Previous Year
ATM Debit Card 2341 139288 - 55 % 4815 350
Internet / Mobile / Electronic 13637 124969 + 26 % 6150 2649
Banking
Loans and Advances 1 4084 + 440 % 113 31
Account opening / difficulty in 12 1605 + 915 % 63 9
operation of the Account
Credit Cards 3 1137 + 19 % 0 0
Others 810 50793 693 209
Total 16804 321876 11834 3248

12. Disclosure of penalties imposed by the Reserve Bank of India

During the year RBI has imposed a penalty of Rs.265.44 lacs (163 entries), of which

- Rs.24.41 lacs (149 entries) related to Currency Chest Operations for shortages, forgeries in soiled notes remittances,
delayed / wrong reporting in eKuber / Non adherence to RBI Guidelines;

- Rs.6.98 lacs (1 entry) is due to delay in NEFT credits,

- Rs.0.50 lacs (1 entry) due to breach of peer group average on customer complaints related to digital transactions

- Rs.6.70 lacs (8 entries) due to Non Replenishment of ATM

- Rs.100.00 lacs (1 entry) due to Contravention of RBI directions on Bank Finance to NBFC

- Rs.68.37 lacs (1 entry) imposed by NPCI for delay in NACH returns

- Rs.58.48 lacs (2 entries) imposed by NPCI for delay in completion of reconciliation and updation of TCC/DRC entries in
NPCI portal

- 344 -
13. Cash Flow Statement (AS 3):

` in Thousand
Year ended Year ended
31.03.2022 31.03.2021
Net Profit as per Profit and Loss Account : 39448206 30046777
Provision for NPA 84466008 73184606
Provision for Investment 4537502 4276778
Provision for Standard Assets 9615745 4694004
Provision for Tax (7405871) (990977)
Other Provisions and Contingencies (60210) 2745298
Depreciation on Fixed Assets 5974999 6328720
Interest on Capital Instrument 7495868 6439760
Loss/(profit) on sale of land and buildings (52203) 3919
Dividend income from Subsidiaries and Joint Venture (12285) 0
Income taxes paid 0 0
Profit before working Capital Changes 144007759 126728885
Increase/Decrease in Operating Assets
(Increase) / Decrease in Investments 15246280 (150563787)
(Increase) / Decrease in advances (349673681) (302528578)
(Increase) / Decrease in other assets 50561956 (20832693)
(283865445) (473925058)
Increase/Decrease in Operating Liabilities
Increase / (Decrease) in Deposits 555466988 495212542
Increase/ (Decrease) in Borrowings (other than Capital Instruments) (69900227) (67892203)
Increase/ (Decrease) in other liabilities (58387950) 92163643
427178811 519483982
Net cash generated from operations (A) 287321125 172287809
Cash flow from investing activities
Dividend income from Subsidiaries and Joint Venture 12285 0
Purchase of fixed assets (3184083) (5586490)
Sale of fixed assets 182100 154985
Net cash generated from Investing Activities (B) (2989698) (5431505)
Cash flow from Financing activities
Payment of dividend (2490882) 0
Issue of AT-1 Bonds 0 20000000
Issue of Tier - 2 Bonds 0 20000000
Redemption of AT 1 Bonds 0 (5000000)
Redemption of Tier 2 Bonds (6000000) (10000000)
Interest on Capital Instrument (7824750) (6319416)
Equity Capital Issued during the period (incl. Share premium) 16499999 0
Amount paid to e-AB Shareholder (for fraction part) 0 (25076)
Net cash generated from financing activities (C) 184367 18655508
Cash & Cash equivalents received on account of amalgamation (D) 0 217503795

- 345 -
Net increase/(Decrease) in cash & cash equivalents (A)+(B)+(C)+(D) 284515794 403015607
Cash and Cash equivalents at the beginning of the year
Cash in hand (including foreign currency notes) 16582776 10060885
Balances with Reserve Bank of India - in current Account 258868041 47300358
Balances with Banks
(a) in current Accounts 950844 53506
(b) in other deposit accounts 20464344 7133657
Money at Call and short notice with Banks 89000001 21000001
Balances with Banks outside India
(a) in current Accounts 15776770 5309257
(b) in other deposit accounts 112708204 20684919
Money at call and short notice 293742 86532
514644722 111629115
Cash & Cash equivalents at the end of the year
Cash in hand (including foreign currency notes) 19623975 16582776
Balances with Reserve Bank of India - in current Account 220920116 258868041
Balances with Banks
(a) in current Accounts 61763 950844
(b) in other deposit accounts 13861522 20464344
Money at Call and short notice with Banks 345002006 89000001
Balances with Banks outside India
(a) in current Accounts 5039797 15776770
(b) in other deposit accounts 194530925 112708204
Money at call and short notice 120412 293742
799160516 514644722
Difference in opening and closing cash and cash equivalents 284515794 403015607

14. Employee Benefits (AS 15)

i. Defined Contribution Plans:
Provident fund is a statutory obligation and in the case of Contributory Provident Fund Optees, the Bank pays fixed
contribution at pre-determined rates. The obligation of the Bank is limited to such fixed contribution. The contributions are
charged to Profit and Loss Account. The fund is managed by Indian Bank Staff Provident Fund Trust. During the financial
year 2021-22, the Bank has contributed ` 1.14 crores (previous year ` 1.07 crores).
New Pension Scheme (NPS) is applicable to employees who joined bank on or after 01.04.2010 and it is a defined
contribution scheme. Under NPS the Bank pays fixed contribution at pre-determined rate and the obligation of the Bank is
limited to such fixed contribution. The contribution is charged to Profit and Loss Account. During the financial year 2021-22,
the Bank has contributed
. 255.18 crores (previous year ` 153.31 crores).
ii. Defined Benefit Plans:
The summarized position of Post-employment benefits and long term employee benefits recognised in the Profit & Loss
Account and Balance Sheet as required in accordance with Accounting Standard – 15 (Revised) are as under:
The following table sets out the basis of the Defined Benefit Pension Plan and Gratuity Plan as per the actuarial valuation by
the independent Actuary appointed by the Bank

- 346 -
PRINCIPAL ACTUARIAL ASSUMPTIONS
[Expressed as weighted averages] 31/03/2022 31/03/2021
Discount Rate 7.27% for Pension and Gratuity - 15 year 6.87% for Pension – 15 year G-Sec Paper
-G-Sec Rate G-Sec Paper 6.44% for Gratuity – 10 year G-Sec Paper
Salary escalation rate 6.00% (includes 0.50% for wage revision) 6.00% (includes 0.50% for wage revision)
Attrition rate 1.00% for Pension and 1.00% for Pension and
2.00% for Service Employees 2.00% for Service Employees
Expected rate of return on Plan Assets * 7.62% for Pension and 6.89% for Pension and
7.67% for Gratuity 6.86% for Gratuity
Method used Projected Unit Credit (PUC) actuarial Method Projected Unit Credit (PUC) actuarial Method

* Expected Rate of return on Plan Assets not applicable for Leave encashment.

The estimates of future salary increases are considered taking into account inflation, seniority, promotion and other relevant factors,
such as supply and demand in the employment market and in tandem with Funding Guidelines for Superannuation Schemes
communicated by IBA. Such estimates are very long term and are not based on limited past experience / immediate future. Empirical
evidence also suggests that in very long term, consistent high salary growth rates are not possible.

The liabilities of leave encashment are unfunded.

(Amount ` in crore)
II. CHANGES IN THE PRESENT VALUE OF THE Pension Gratuity Leave
OBLIGATION (PVO) - RECONCILIATION OF Fund Encashment
OPENING AND CLOSING BALANCES: 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
PVO as at t PVO as at the beginning of the year he 15319.48 13995.78 1848.22 1868.46 977.42 826.09
beginning of the year
Interest Cost 1047.85 914.67 110.19 120.53 59.12 53.97
Current service cost 250.19 229.80 69.21 105.33 175.72 174.38
Past service cost – recognised / vested benefits 0.00 0.00 0.00 0.00 0.00 0.00
Past service cost – unrecognised / non-vested benefits 0.00 0.00 0.00 0.00 0.00 0.00
Benefits paid -1812.10 -1363.65 -274.20 -223.04 -284.86 -69.40
Actuarial loss/ (gain) on obligation 1741.31 1542.88 30.26 -23.06 77.35 -7.62
PVO as at the end of the year 16546.73 15319.48 1783.68 1848.22 1004.75 977.42

(Amount ` in crore)

III. CHANGES IN THE FAIR VALUE OF PLAN Pension Gratuity Leave

ASSETS - RECONCILIATION OF Fund Fund Encashment
OPENING AND CLOSING BALANCES: 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Fair value of plan assets as at the beginning of the year 14961.61 13918.80 1897.26 1929.03 0.00 0.00
Expected return on plan assets 1132.00 1104.42 136.42 126.42 0.00 0.00
Contributions 1599.55 1495.93 36.86 50.70 284.86 215.94
Benefits paid -1812.10 -1363.65 -274.20 -223.04 -284.86 -215.94
Actuarial gain/(loss) on plan assets 12.57 -193.89 6.41 14.15 0.00 0.00
Fair value of plan assets as at the end of the year 15893.63 14961.61 1802.75 1897.26 0.00 0.00

- 347 -
 (Amount ` in crore)
Pension Gratuity Leave
IV. ACTUAL RETURN ON PLAN ASSETS Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Expected return on plan assets 1132.00 1104.42 136.42 126.42 0.00 0.00
Actuarial gain / (loss) on plan assets 12.57 -193.89 6.41 14.15 0.00 0.00
Actual return on plan assets 1144.57 910.53 142.83 140.57 0.00 0.00

(Amount ` in crore)
Pension Gratuity Leave
V. ACTUARIAL GAIN / LOSS RECOGNISED Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Actuarial gain / (loss) for the year - Obligation -1741.31 -1542.88 -30.26 23.06 -77.35 7.62
Actuarial gain / (loss) for the year – due to financial 0.00 0.00 0.00 0.00 0.00 0.00
assumption changes in DBO
Actuarial gain / (loss) for the year- Plan Assets 12.57 -193.89 6.41 14.15 0.00 0.00
Total gain / (loss) for the year -1728.74 -1736.77 -23.85 37.21 -77.35 7.62
Actuarial gain / (loss) recognised in the year -1728.74 -1736.77 -23.85 37.21 -77.35 7.62
Unrecognised actuarial gain / (loss) at the end of the year 0.00 0.00 0.00 0.00 0.00 0.00
Actuarial gain / (loss) for the year - Obligation -1728.74 -1736.77 -23.85 37.21 -77.35 7.62

(Amount ` in crore)
Pension Gratuity Leave
VI. AMOUNTS RECOGNISED IN THE BALANCE
Fund Encashment
SHEET AND RELATED ANALYSIS
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Present value of the obligation 16546.73 15319.48 1783.68 1848.22 1004.75 977.42
Fair value of plan assets 15893.63 14961.61 1802.75 1897.26 0 0
Difference - Net (Liability) / Asset recognized in Balance Sheet -653.10* -357.87 19.07 49.04 1004.75 977.42
Unrecognised transitional liability 0.00 0.00 0.00 0.00 0.00 0.00
Unrecognised past service cost 0.00 0.00 0.00 0.00 0.00 0.00
Liability recognised in the balance sheet -653.10* -357.87 19.07 49.04 1004.75 977.42

*Provision on account of change in family pension rules is included

(Amount ` in crore)

VII. EXPENSES RECOGNISED IN THE STATEMENT Pension Gratuity Leave

OF PROFIT AND LOSS: Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Current service cost 250.19 229.79 69.21 105.33 175.72 174.38
Interest Cost 1047.85 914.67 110.19 120.53 59.12 53.97
Expected return on plan assets -1132.00 -1104.42 -136.42 -126.42 0 0
Net actuarial (gain)/loss recognised in the year 1728.74 1736.77 23.85 -37.21 77.35 -7.62
Transitional Liability recognised in the year 0.00 0.00 0.00 0.00 0.00 0.00
Past service cost - recognised 0.00 0.00 0.00 0.00 0.00 0.00
Expenses recognised in the statement of profit and loss 1894.78 1776.82 66.83 62.23 312.19 220.73

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 (Amount ` in crore)

Pension Gratuity Leave

VIII. MOVEMENTS IN THE LIABILITY RECOGNISED
Fund Encashment
IN THE BALANCE SHEET
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Opening net liability -357.87 -76.98 49.04 60.57 -977.42 -826.09
Expense as above -1894.78 -1776.82 -66.83 -62.23 -312.19 -220.73
Contribution paid 1599.55 1495.93 36.86 50.70 284.86 69.40
Closing net liability -653.10 -357.87 19.07 49.04 -1004.75 -977.42

(Amount ` in crore)

IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended

ASSETS/LIABILITIES
(ii) Previous Years 2017-22 - Pension 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 5925.15 6245.89 6520.32 6801.96 15319.48 16546.73
Plan Assets 5841.36 6146.80 6418.93 6697.41 14961.61 15893.63
Surplus/ (Deficit) -83.79 -99.09 -101.39 -104.55 -357.87 -653.10
Experience adjustments on plan liabilities- (loss) / gain -626.82 -704.39 -335.65 -449.25 -1542.88 -1741.31
Experience adjustments on plan assets- (loss) / gain 27.73 10.93 -8.58 13.32 -193.89 12.57

(Amount ` in crore)

IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended

ASSETS/LIABILITIES
(iii) Previous Years 2017-22 - Gratuity 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 900.90 964.99 923.85 928.98 1848.22 1783.68
Plan Assets 876.81 932.55 910.66 896.40 1897.26 1802.75
Surplus/ (Deficit) -24.09 -32.44 -13.19 -32.58 49.04 19.07
Experience adjustments on plan liabilities- (loss) / gain -87.34 -36.20 -2.11 -61.22 23.06 107.08
Experience adjustments on plan assets- (loss) / gain -1.36 22.12 -0.38 2.71 14.15 6.41

(Amount ` in crore)

IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended

ASSETS/LIABILITIES
(iii) Previous Years 2017-22 - Leave Encashment 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 171.21 179.51 188.21 210.29 977.42 1004.75
Plan Assets 0.00 0.00 0.00 0.00 0.00 0.00
Surplus/ (Deficit) -171.21 -179.51 -188.21 -210.29 -977.42 -1004.75
Experience adjustments on plan liabilities- (loss) / gain -3.01 10.18 7.58 17.71 7.62 -77.35
Experience adjustments on plan assets- (loss) / gain 0.00 0.00 0.00 0.00 0.00 0.00

- 349 -
 X. MAJOR CATEGORIES OF PLAN ASSETS 2021-2022 2020-2021
(AS PERCENTAGE OF TOTAL PLAN ASSETS)
Pension Gratuity Pension Gratuity
Fund Fund Fund Fund

Government of India Securities and State Government Securities 32.38% 23.42% 36.76% 28.00%
High Quality Corporate Bonds /PSU BONDS 13.42% 12.21% 15.64% 12.98%
Special Deposit Scheme 0.06% 0.04% 0.06% 0.00%
Funds managed by Insurer 53.98% 64.11% 47.21% 58.60%
Private Sector Bonds 0.16% 0.22% 0.33% 0.42%
Money Market - -
Total 100.00% 100.00% 100.00% 100.00%

(Amount ` in crore)

XI. CONTRIBUTION DURING NEXT YEAR Pension Fund Gratuity Fund Earned Leave

Enterprises best estimate of contribution during next year 1300 50 300

iii. Other Long Term Employee Benefits

Amount of ` 48.43 crore (previous year ` 50.12 crore) has been provided towards Long Term Employee Benefits as per the
actuarial valuation by the independent Actuary appointed by the Bank and is included under the head “Payments to and
Provisions for Employees” in Profit and Loss Account.
Details of additional Provisions made / (written back) for various long Term Employee Benefits during the year.
(Amount ` in crore)

No. Long Term Employee Benefits 31/03/2022 31/03/2021

1. Sick Leave 1.84 15.28
2. Casual Leave 0.09 0.16
3. Leave Travel Concession 46.50 34.68
Total 48.43 50.12

(Amount ` in crore)

Expenditure Addition Closing Balance

No. Long Term Employee Benefits Opening Balance 01.04.2021
2021-22 2021-22 31.03.2022

1 Sick Leave 22.66 3.04 4.87 24.49

2 Casual Leave 0.87 0.38 0.48 0.97

3 Leave Travel Concession 69.92 32.75 46.50 83.67

Total 93.45 36.17 51.85 109.13

Note: Disclosures included are limited to the extent of information provided by the Actuary.

The Bank has provided for the entire additional liability of Rs.464.59 Crore during the year ended 31.03.2022, on account of revision
in family pension for employees covered under XI Bi-partite settlement and Joint note dated November 11th 2020. There is no
unamortized expenditure in the balance sheet on account of family pension.

- 350 -
15. Property, Plant and Equipment (AS-10)
Fixed Assets
1.1. The premises of the Bank include land and building are stated at revalued amount. The Bank revalued its premises in
the financial year 2021-22 as on 28.02.2022 at fair market value determined by the approved external valuers. There is
an increase of Rs.599.48 Crore in the amount of revaluation of premises, which has been credited to “Revaluation
Reserve Account”. For the year 2021-22, depreciation amounting to Rs.147.27 crores (Previous Year Rs.149.63
crore) was charged under expenditure and depreciation on revalued portion amounting to Rs.143.42 Crore (previous
year Rs.142.87 crore) is adjusted against the “Revaluation Reserve account.
1.2. Registration formalities are yet to be completed for the following properties: -

Premises include 9 (7+2*) properties Original costing
.8.38 Crore (Previous year – 9 (7+2*) Properties costing Rs.
8.38 Crore), having original / revalued book value of Rs. 66.74 Crore (Previous year – Rs. 59.74 Crore), net of
depreciation at Rs. 1.46 Crore (Previous year – Rs. 1.40 Crore) for which registration formalities are pending.
* Property at Hyderabad costing Rs.1.61 Crore, where clearance is pending before ULC authority and at Chennai
Costing Rs.2.32 Crore, where interim stay has been granted by DRAT.
16. Lease (AS 19)
A) The properties taken on lease / rental basis are renewable / cancellable at the option of the Bank.
B) The leases entered into by the Bank are for agreed period with an option to terminate the leases even during the
currency of lease period by giving agreed calendar month notice in writing.
C) Lease rent paid for operating leases are recognized as an expense in the Profit & Loss account in the year to which it
relates. The lease rent recognized during the year is Rs.417.00 Crore. (Previous year Rs. 440.41 Cr).
D) Finance lease
An asset acquired on finance lease comprises plant and equipment and land. The leases have a primary period, which
is fixed and non-cancellable. The bank has an option to renew the lease for a secondary period.
The minimum lease rentals and the present value of minimum lease payments in respect of assets acquired under
finance leases are as follows:

Minimum lease payments Present value of minimum lease payments

Particulars As at As at As at As at
31st March 2022 31st March 2021 31st March 2022 31st March 2021
Payable not later than 1 Year 0 0 0 0
Payable later than 1 year and
not later than 5years 0 0 0 0
Payable later than 5 Years 0 0 0 0
Total 0 0 0 0
Less: Future finance charges
Present value of
minimum lease payments 0 0 0 0

17. Indian Bank Trust for Rural Development

Indian Bank Trust for Rural Development (IBTRD) has been set up by the Bank on 22.09.2008 to exclusively focus on rural
development and accomplish better results by coordinating with various other players / agencies who are also engaged in the
development of rural areas and erstwhile Allahabad Bank has Allahabad Bank Rural Development Trust (ABRDT) for the
same purpose.
As per GoI notification, erstwhile Allahabad Bank has been amalgamated with Indian Bank w.e.f. 01.04.2020.
The Trust accounts of both IBTRD and ABRDT are duly audited by qualified Chartered Accountants. The process of
amalgamation of Indian Bank Trust for Rural Development (IBTRD) and Allahabad Bank Rural Development Trust (ABRDT) is
under progress and all the assets and liabilities of ABTRD will be transferred to IBTRD.

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 Currently, IBTRD is running a total of 37 Rural Self-Employment Training Institutes (RSETIs), 42 Financial Literacy Centres
(FLCs) and 59 Centres for Financial Literacy (CFLs) with pan-India presence.
The books of account of the Trust are being subjected to audit, independently by the Chartered Accountants appointed by the
Trust.

PROVISIONAL INCOME AND EXPENDITURE OF IBTRD FOR THE YEAR 2021-2022 (Amount ` in crore)
Details of Receipts

Contributions received from Bank 5.00

Building Fund received from Bank 0.00

Opening Balance in the Trust account (including ABRDT) 3.17

Bank interest earned 0.11

Training Cost reimbursement received from various agencies 4.91

Credit back of funds lying as balance in FLC accounts due to account closure and transfer back of 0.00
excess balance

Total Income 13.19

Details of Expenditure

Expenditure incurred during the year 10.10

Excess of receipts over payments 3.09

Closing Balance:

Bank Balance as on 31.03.2022 (including ABRDT) 3.09

Fixed Deposits 11.40

Of which

Corpus Fund 8.60

Building Fund 2.80

18. Legal

Contingent liabilities include an A/c M/s Nimbus Communication Ltd., Guarantees were issued by Consortium Banks

favouring BCCI. BCCI filed suit against Consortium Banks claiming guarantee liability. In the suit, conditional leave to defend

was granted on making payment of ` 400 crores, wherein our Bank share is ` 100 crore. Remittance of our Bank's share of

` 100 crore was made with the Prothonotary and Senior Master of the Hon'ble High Court of Bombay. The summary suit is

pending adjudication before Hon'ble High Court of Bombay.

For this claim against the Bank by BCCI, Bank is having a sum of ` 32.44 Crore as provision under the head 'Provision for

Other Contingencies' and a sum of ` 15.32 Crore as provision under the head 'Contingent Fund – Claim made against the

bank', total provision aggregating to `47.76 Crore, after taking into consideration a sum of ` 80.22 crore held as security –

margin money as on 31.03.2022.

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19. Accounting standard-17 “Segment Reporting”

a. Segment Identification

I. Primary (Business Segment)

The following are the primary segments of the Bank:-

- Treasury

- Corporate / Wholesale Banking

- Retail Banking

- Other Banking Business.

The present accounting and information system of the Bank does not support capturing and extraction of the data in respect of
the above segments separately. However, based on the present internal, organisational and management reporting structure
and the nature of their risk and returns, the data on the primary segments have been computed as under:

i. Treasury -

The Treasury Segment includes the entire investment portfolio and trading in foreign exchange contracts and derivative
contracts. The revenue of the treasury segment primarily consists of fees and gains or losses from trading operations
and interest income on the investment portfolio.

ii. Corporate / Wholesale Banking

The Corporate / Wholesale Banking segment comprises the lending activities of Corporate Accounts Group,
Commercial Clients Group and Stressed Assets Resolution Group. These include providing loans and transaction
services to corporate and institutional clients and further include non-treasury operations of foreign offices.

iii. Retail Banking –

The Retail Banking Segment comprises of retail branches, which primarily includes Personal Banking activities
including lending activities to corporate customers having banking relations with these branches. This segment also
includes agency business and ATMs.

iv. Other Banking business -

Segments not classified under (i) to (iii) above are classified under this primary segment.

II. Secondary (Geographical Segment)

i. Domestic Operations - Branches/Offices having operations in India

ii. Foreign Operations - Branches/Offices having operations outside India and offshore Banking units having
operations in India.

III. Allocation of Expenses, Assets and Liabilities

Expenses incurred at Corporate Centre establishments directly attributable either to Corporate / Wholesale and Retail
Banking Operations or to Treasury Operations segment, are allocated accordingly. Expenses not directly attributable
are allocated on the basis of the ratio of segment assets in each segment/ratio of directly attributable expenses. The
Bank has certain common assets and liabilities, which cannot be attributed to any segment, and the same are treated as
unallocated.

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 b. Segment information
Part-A: Primary (Business Segment) (Amount ` in crore)

Corporate/
Business Other Banking
Treasury Wholesale Retail Banking Total
Segments operations
Banking

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

Revenue 13 767.26 13 573.27 16 082.40 17 708.42 15 415.12 13 021.62 506.89 452.66 45 771.67 44 755.97
Result 6 355.67 5 775.50 3 079.29 2 843.03 2 938.78 2 084.26 343.16 263.79 12 716.90 10 966.58
Unallocated
expenses 9 512.67 8 061.00
Operating
Profit 3 204.23 2 905.58
Other
unallocable
income 0.00 0.00
Income
Taxes (740.59) (99.10)
Exceptional
Item 0.00 0.00
Net Profit 3 944.82 3 004.68
Other
information
Segment
Assets 2 40 001.83 2 09 281.25 2 15 377.81 2 33 418.56 2 06 008.16 1 71 257.10 0.00 0.00 6 61 387.80 6 13 956.91
Unallocated
assets 10 280.25 9 469.75
Total assets 6 71 668.05 6 23 426.66
Segment
Liabilities 2 24 383.64 1 96 386.55 2 01 362.03 2 19 036.66 1 92 602.11 1 60 705.23 0.00 0.00 6 18 347.78 5 76 128.44
Unallocated
liabilities 9 611.47 8 886.28
Capital,
Reserves &
Surplus 43 708.80 38 411.94
Total liabilities 6 71 668.05 6 23 426.66

Part B Geographic Segments

Domestic International Total

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21

Revenue 45 463.98 44 428.72 307.69 327.25 45 771.67 44 755.97

Assets 6 49 993.31 6 09 008.83 21 674.74 14 417.83 6 71 668.05 6 23 426.66

Previous year figures were re-grouped wherever necessary

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20. RELATED PARTY DISCLOSURES (AS 18)
Names of the Related Parties and their relationship with the Bank :
a) Subsidiaries :
i. Ind Bank Housing Ltd.
ii. Indbank Merchant Banking Services Ltd.
b) Associates : (Regional Rural Banks)
i) Tamilnadu Grama Bank
ii) Saptagiri Grameena Bank
iii) Puduvai Bharathiar Grama Bank
c) Joint Ventures:
i) Universal Sampo General Insurance Company Ltd
ii) ASREC (India) Ltd
d) Key Managerial Personnel:
Name Designation Date of Appointment Date of Cessation
Ms. Padmaja Chunduru Ex. Managing Director & 21.09.2018 01.09.2021
Chief Executive Officer
Shri Shanti Lal Jain Managing Director & 01.09.2021
Chief Executive Officer
Shri Shenoy Vishwanath V. Executive Director 01.12.2018 01.04.2022
Shri K. Ramachandran Ex. Executive Director 01.04.2020 01.07.2021
Shri Imran Amin Siddiqui Executive Director 10.03.2021
Shri Ashwani Kumar Executive Director 21.10.2021
d) Shareholding of non-executive Directors:
Sl.No. Name Designation No. of Shares held
1 Dr. Bharath Krishna Sankar Shareholder Director 300
2 Ms. Papia Sengupta Shareholder Director 200
Related Party transactions are as under:
Remuneration paid to key Management personnel during the Year ` 172.37 lakhs (Previous - Year ` 102.52 Lakhs)
Details 2021-2022 2020-2021
Ms. Padmaja Chunduru, Ex-MD & CEO
Salary & Emoluments Paid (01.04.2021 to 31.08.2021) ` 40.30 lakhs ` 30.46 lakhs
Shri Shanti Lal Jain MD& CEO
Salary & Emoluments Paid ( 01.09.2021 to 31.03.2022) ` 20.27 lakhs –
Shri M K Bhattacharaya, Ex. Executive Director
Salary & Emoluments Paid (01.04.2020 to 30.11.2020) - `18.16 lakhs
Shri Shenoy Vishwanath V., Executive Director
Salary & Emoluments Paid (01.04.2021 to 31.03.2022) ` 32.76 lakhs ` 26.22 lakhs
Shri K. Ramachandran, Ex-Executive Director
Salary & Emoluments Paid (01.04.2021 to 30.06.2021) ` 30.19 lakhs ` 26.21 lakhs
Shri Imran Amin Siddiqui, Executive Director
Salary & Emoluments Paid (01.04.2021 to 31.03.2022) ` 30.00 lakhs ` 1.47 lakhs
Shri Ashwani Kumar, Executive Director
Salary & Emoluments Paid (01.10.2021 to 31.03.2022) ` 18.85 lakhs* --
*Including House Rent Allowance of Rs. 5.11 lakh.
- 355 -
Other disclosures pertaining to related parties are as under (Amount ` in lakhs)

Items/Related Party Parent (as per ownership or control) Joint ventures Total

Rendering of services 1528.82* 26.16 1528.82*

Receiving of services 26.16 1528.82* 26.16

*Includes commission income of Rs.1384.52 lakhs from Bank's JV, Universal Sompo General Insurance Co.Ltd., pertaining to
Insurance policies of Indian Bank.

No disclosure is required in respect of related parties, which are “State-controlled Enterprises” as per paragraph 9 of Accounting
Standard (AS) 18. Further, in terms of paragraph 5 of AS 18, transactions Banker-Customer relationship have not been disclosed
including those with Key Management Personnel and relatives of Key Management Personnel.

21. Earnings Per Share (AS 20)

Particulars 2021-22 2020-21

Net Profit after tax available for equity shareholders (` Crore) 3944.82 3004.68

Number of Equity Shares 1245441139 1129366570

Weighted Number of equity shares 1218410075 1129366570

Basic Earnings Per Share (in `) 32.38 26.61

Diluted earnings per share (in `) 32.38 26.61

Nominal value per Equity Share (in `) 10.00 10.00

22. ACCOUNTING FOR TAXES ON INCOME (AS 22)

a) Current Tax: During the current year, considering the accumulated losses of erstwhile Allahabad Bank, Bank has not
created provision for income tax for domestic operations for the current year. Provision for income tax made in foreign
branches amounting to Rs.12.85 Crore during the current year. Provision for tax on foreign branches relating to earlier
years made in the current year amounts to Rs.275 Crores. The current tax has been calculated in accordance with the
provisions of Income Tax Act 1961.

b) Deferred Tax: The Bank has a net DTA of Rs.3872.91 Crore (Previous year net DTA of Rs.2844.49 Crore), which
comprises of Deferred Tax Liabilities (DTL) of Rs.977.15 Crore (Previous Year Rs.949.89 Crore) included under 'Other
liabilities and Provisions' and Deferred Tax Assets (DTA) of Rs.4850.06 Crore (Previous Year Rs.3794.38 Crore) included
under 'other Assets.

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The major components of DTA and DTL is given below:

(Amount ` in Crore)

Sl.No. Particulars 31.03.2022 31.03.2021

Deferred Tax Assets

1 Liabilities provision allowable on payment / crystallization 219.35 208.53

2 FCTR (Foreign Currency Transalation Reserve) 99.08 105.29

3 Provision for Gratuity 0.06 0.09

4 Provision for Bad Debts 3856.25 3076.11

5 Provision for restructured Assets, AQR,s4A, stressed Assets 588.06 328.67

6 Depreciation on Fixed Assets 87.26 75.69

Total DTA 4850.06 3794.38

Deferred Tax Liabilities

1 Depreciation on Fixed Assets 44.40 44.41

2 Provision for written off accounts 363.15 363.15

3 Staff Welfare Retrieval 4.11 4.11

4 Special Reserve u/s 36(1)(viii) 565.49 538.22

Total DTL 977.15 949.89

Net DTA / (DTL) 3872.91 2844.49

c. Provision for Income Tax for the year (Amount R in crore)

Particulars 2021-22 2020-21

Provision for Taxation (Income Tax including Deferred Tax) -740.59 -99.10

The disputed income tax demand paid as at 31.03.2022 was Rs.3953.36 Crore (previous year 3953.36 Crore). The same has also
been included under contingent liabilities relating to Income Tax of Rs.9187.03 Crore (previous year 7584.17 Crore) relating to
disputed tax matters as at 31.03.2022. No provision is considered necessary for the said disputed demands on account of judicial
pronouncements and favorable decisions in Bank's own case except in case of income relating to foreign branches for earlier periods
amounting to Rs.275 Crore for which Bank has provided during the current year.

23. Financial Reporting of interests in Joint Ventures ( AS-27)

Investments include Rs.142.50 crore (PY Rs.142.50 crore) representing Bank's interest in the following joint controlled
entities:

Country / Ownership Amount of shareholding

Name of Entity Relationship
Residence interest (` in crore)
Universal Sompo General Insurance company Ltd India Joint Venture 28.52% 105.00
ASREC (India) Ltd India Joint Venture 38.26% 37.50
As required by AS 27, the aggregate amount of the assets, liabilities, income, expenses, contingent liabilities and
commitments related to the Bank's interests in jointly controlled entities are disclosed as under:

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 (Amount ` in Crore)

Particulars 31.03.2022 31.03.2022

Liabilities
Capital & Reserves 391.69 349.28
Deposits 0.00 -
Borrowings 8.54 28.44
Other Liabilities & Provisions 1174.50 1032.28
TOTAL 1574.73 1410.00
Assets
Cash and Balances with RBI 0.05 0.09
Balances with Banks and money at call and short notice 30.40 22.72
Investments 1146.12 1109.29
Advances 0 -
Fixed Assets 11.37 12.88
Other Assets 386.79 264.99
TOTAL 1574.73 1410.00
Capital Commitments -
Other Contingent Liabilities 48.05 48.58
Income
Interest earned 6.04 3.73
Other Income 478.41 452.68
TOTAL 484.45 456.41
Expenditure
Interest expended 2.36 1.36
Operating expenses 420.65 434.74
Provisions & Contingencies 17.63 5.28
TOTAL 440.64 441.38
Profit 43.81 15.03
24. Impairment of Assets (AS-28):
In the opinion of the Bank's Management, there is no indication of impairment to the Assets during the year to which
Accounting Standard 28–“Impairment of Assets” applies.
25. Provisions, Contingent Liabilities and Contingent Assets (AS-29): (Amount in ` crore)
Particulars Opening Provision made Provision Closing
as on 01.04.2021 during the year reversed / adjusted as on 31.03.2022
Movement of Provisions 206.25 9.66 0 215.91
for claim against bank
not acknowledged as debt

26. Other Disclosures

(Amount ` in Crore)
a) Business ratios

Particulars Current Year Previous Year

1
(I) Interest Income as a percentage to Working Funds 6.21 6.56
3
(ii) Non-interest income as a percentage to Working Funds 1.11 0.95
(iii) Cost of Deposits 3.97 4.44
2
(iv) Net Interest Margin 2.93 2.81
3
(v) Operating Profit as a percentage to Working Funds 2.03 1.84
3
(vi) Return on Assets 0.63 0.50
4
vii) Business (deposits plus advances) per employee (in ` crore) 25.20 22.17
viii) Profit per employee (in ` crore) 0.10 0.07

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 1
Working funds to be reckoned as average of total assets (excluding accumulated losses, if any) as reported to Reserve Bank of India in Form X for Commercial Banks and Form IX for UCBs.,
during the 12 months of the financial year.
2
Net Interest Income/ Average Earning Assets. Net Interest Income= Interest Income – Interest Expense
3
Return on Assets would be with reference to average working funds (i.e., total of assets excluding accumulated losses, if any).
4
For the purpose of computation of business per employee (deposits plus advances), inter-bank deposits shall be excluded

*average earning assets and average deposits are calculated based on the 52 weekly Friday average.

b) BANCASSURANCE BUSINESS
During the current year, the Bank has earned commission, etc, to the extent of Rs.85.01 Crore on sale/marketing of various
Bancassurance products / Mutual Funds (previous year Rs.63.98 Crore).
(Amount ` in crore)

Sl. No. Nature of Income 2021-22 2020-21

1 For Selling Life Insurance Policies 56.22 38.44
2 For selling Non-life insurance policies 26.42 24.56
3 Others – For selling Mutual Fund Products 2.37 0.98
Total 85.01 63.98
c) Marketing and distribution
The Bank does not undertake marketing and/or distribution of any product of other entities (other than products under
Bancassurance Business). Therefore, the Bank has not earned any fees/remuneration from the stated activities.
d) Disclosures regarding Priority Sector Lending Certificates (PSLCs)
The amount of PSLCs (category-wise) sold and purchased during the year shall be disclosed.
(Amount ` in crore)

Sl.No. PSLC Category Purchase Position Sale Position

No of Units Amt No of Units Amt
1 PSLC AGRICULTURE 0 0.00 19800 4950
2 PSLC SMALLAND MARGINAL FARMER 0 0.00 52720 13180
3 PSLC GENERAL 0 0.00 66800 16700
4 PSLC MICRO 0 0.00 0 0
Total 0 0 139320 34830
e) Provisions and contingencies (Amount in ` crore)

Provision debited to Profit and Loss Account 2021-22 2020-21

I) Provisions for NPI 110.51 -1.39
ii) Provision towards NPA 8446.60 7318.46
iii) Provision made towards Income tax -740.59 -99.10
iv) Other Provisions and Contingencies (with details)
1. Standard Advances 961.57 469.40
2. Restructured Advances 3.78 -1.68
3. Others -9.79 276.22
TOTAL 8772.08 7961.91
f) Implementation of IFRS converged Indian Accounting Standards (Ind AS)
I. As per the directions of RBI vide their letter DBR.BP.BC.No.76/21.07.001/2015-16 dated 11.02.2016, Banks shall
comply with Ind AS for standalone and consolidated financial statements for accounting periods beginning from April 1,
2018 onwards with comparative figures for the preceding period ending March 31, 2018

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 II. RBI also advised the Banks to prepare Proforma Financial Statements as per Ind AS for the half year ended 30.09.2016
with transition date as 01.04.2016 and the same was prepared and submitted to RBI. Similarly proforma Ind AS
financials for the quarter ended 30.06.2017 was also submitted to RBI.

III. Subsequently, RBI advised that Banks shall submit Ind AS proforma financial statement for every quarter starting from
quarter ending 30th June 2018 onwards. The same has been duly complied with.

IV. From F.Y. 2021-22 onwards, RBI advised to reduce the frequency of Ind AS proforma financial statement submission
from quarterly to half yearly. The same has been complied with. The Audit Committee of the Board and Board of
Directors have been periodically appraised the progress in this regard.

V. As per RBI notification DBR.BP.BC.No.29/21.07.001/2018-19 dated 22nd March 2019, implementation of Ind AS in
Banks has been deferred till further notice. However, submission of proforma Ind AS financials to RBI has been
continued and the Bank is complying with the same.

g) Payment of DICGC Insurance Premium (Amount ` in Crore)

Sl.No. Particulars 2021-22 2020-21

i) Payment of DICGC Insurance Premium 683.68 629.47

ii) Arrears in payment of DICGC premium 0.00 0.00

h) During year ended Mar 31, 2022, the Bank has raised equity capital of Rs 1650 Crore through Qualified Institutions Placement
at an issue price of Rs 142.15 per equity share including a premium of Rs 132.15 per equity share.

Post allotment of 11,60,74,569 new equity shares of face value of Rs 10 each under QIP, the total paid up shares of the Bank
increased from 112,93,66,570 to 124,54,41,139. Accordingly, the dividend amount of the Bank for FY 2020-21 increased from Rs
225.87 Crore to Rs 249.09 Crore. The additional amount of Rs.23.22 Crore will be transferred from balance in Profit & Loss Account
for FY 2020-21. The Record Date fixed by the Bank for payment of dividend was 09.07.2021.

i) Items included in Miscellaneous income which exceed 1% of total income

Particulars 2021-22 2020-21

Processing Charges 574.42 526.25

Recovery from bad debts 1611.69 617.50

PSLC Income 570.63 410.23

j) Reconciliation and Adjustments

I. Reconciliation of Inter Branch Account is completed up to 31.03.2022. The Bank through various effective steps has achieved
reduction in the old outstanding entries in IBGA. Adjustments of the remaining outstanding entries are in progress. As per the
Management, 5747 IBGA credit entries aggregating to Rs. 4.86 crores are outstanding pertaining to period before
01.03.2009.

II. In view of the net credit position in respect of un-reconciled entries in the Inter Branch Account outstanding for more than 6
months as on 31.03.2022, no provision is required.

III. Old outstanding entries, in drafts payable, clearing adjustment, sundries receivable, sundry deposit accounts, etc. and in
bank reconciliation relating to Reserve Bank of India and other banks are being regularly reviewed for appropriate
adjustments.

IV. Balancing of subsidiary/ledgers, registers and reconciliation with general ledgers are in progress at some branches. In the
opinion of the management, consequential financial impact of the above on the accounts will not be significant.

V. As per information available with the Bank, there is no outstanding dues payable by the Bank to MSME units identified by the
Bank, which is pending beyond the time limit prescribed under MSMED Act, 2006 and there have been no reported cases of
accepted liability of delayed payments of principal amount or interest thereon for such parties during the year.

k) A dividend of ` 6.50 per equity share i.e. 65% to the paid up capital is proposed by the Bank for FY 2021-22.

l) Previous year's figures have been regrouped / reclassified, wherever necessary, to conform to current year's figure.

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 INDEPENDENT AUDITORS’ REPORT
To

The Members of Indian Bank

Report on Audit of the Standalone Financial Statements

Opinion

1. We have audited the accompanying Standalone Financial Statements of Indian Bank ('the Bank'), which comprise the Balance
Sheet as at March 31, 2022, the Statement of Profit and Loss Account and the Statement of Cash Flows for the year then ended
and notes to 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:

I. The Central Office and its Departments, Treasury Branch and 20 Indian Branches audited by us;

ii. 2102 Indian Branches (incl. GIFT City Branch) audited by respective Statutory Branch Auditors and

iii. 2 Foreign Branches audited by respective local auditors;

The Indian 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 (RBI). Also, incorporated in the Balance Sheet, the Statement of Profit
and Loss Account and Statement of Cash Flows are the returns from 3974 Indian branches and 1 Foreign Branch which have not
been subjected to Audit. These unaudited branches account for 19.95% of Advances, 44.98% of Deposits, 11.50% of Interest
income and 43.06% 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 accounting principles generally accepted in India and give a:

a. true and fair view in case of the Balance Sheet read with the notes thereon, of the state of affairs of the Bank as at March 31,
2022;

b. true balance of Profit in case of the Statement of Profit and Loss Account read with the notes thereon, for the year ended on
that date and

c. true and fair view of the cash flows in case of Cash Flow Statement for the year ended on that date.

Basis for Opinion

3. We conducted our audit in accordance with the Standards on Auditing (SAs) issued by the Institute of Chartered Accountants of
India (“the 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 Institute of Chartered Accountants of India together with ethical requirements that are relevant to our audit of the
Standalone Financial Statements, 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 on the Standalone Financial Statements.

Emphasis of Matter:

We draw attention to:

4. Note No 4(l) of Schedule 18 of the standalone financial statements which describes the impact of ongoing uncertainties caused by
COVID 19 pandemic on the future business and financial results and Management's assessment of the same in the prevailing
situation. The Management is continuously evaluating the effect of the uncertainties on an ongoing basis with reference to
challenges under the prevailing uncertainties.

Our report is not modified in respect of above matters.

Key Audit Matters

5. 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 2022. 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:

- 361 -
Sr.
Key Audit Matter How the Key Audit Matter was addressed in our Audit
No.
1. C l a s s i f i c a t i o n o f A d v a n c e s , I n c o m e Tests of control
Recognition, Identification of and provisioning
Assessing the design, implementation and operating effectiveness of
for non-performing Advances (Refer Note 4)
Key internal controls over approval, recording and monitoring of loans,
The net advances of the Bank constitute 57.94% of monitoring process of overdue loans, measurement of provisions,
the total assets, which is the significant part of the identification of NPA accounts and corresponding reversal of income
Standalone Financial Statements. and assessing the reliability of management information (including
overdue reports).
The Reserve Bank of India's (“RBI”) guidelines on
Income recognition and asset classification Substantive tests.
(“IRAC”) prescribe the prudential norms for A sample of loan accounts that included large/stressed advances and
identification and classification of non-performing some other advances on sample basis was taken in the top branches
assets (“NPA”) and the minimum provision required allocated to us, and in such samples we conducted the following checks:
for such assets.
l The accuracy of the data input in the system for income recognition
Identification of performing and non-performing and identification as performing or non performing advances.
Advances involves establishment of proper
mechanism. The Bank accounts for all the l In the performing advances selected, assessed independently
transactions related to Advances in its Information whether the classification was correctly done.
Technology Systems (IT Systems) which also l Reviewed the Financial Statements, collateral valuation and other
identifies whether the advances are performing or qualitative information available about these parties.
non performing, NPA classification and calculation
of provision. l Test of details over calculation of NPA provisions and reversal of
income in line with IRAC norms.
The carrying value of these advances (net of
provisions) may be materially misstated if, either l Checked the borrower wise NPA identification determined by the
individually or in aggregate, the IRAC norms are not bank to ensure compliance with RBI guidelines.
properly followed.
l Checked the provisions on standard advances for various
Considering the nature of the transactions, categories of loans, to ensure compliance with RBI norms.
regulatory requirements, existing business l Existence and effectiveness of monitoring mechanisms such as
environment, estimation/ judgement involved in internal audit, concurrent audit, systems audit etc in monitoring and
valuation of securities, it is a matter of high timely reporting of NPAs.
importance for the intended users of the Standalone
Financial Statements and hence we have l Reliance is also placed on audit reports of other Statutory branch
ascertained identification and provisioning for NPAs auditors, which we have scrutinised and considered relevant
as a key audit matter. observations.

2. Classification and Valuation of Investments, Our audit approach towards Investments with reference to the RBI
Identification of and provisioning for Non- Circulars / directives included the review and testing of the design,
Performing Investments operating effectiveness of internal controls and substantive audit
procedures in relation to valuation, classification, identification of Non-
l Investments include investments made by the
Performing Investments, Provisioning/ depreciation related to
Bank in various Government Securities, Bonds,
Investments. In particular,
Debenture, Shares, Security receipts and other
approved securities classified under the 1) We evaluated and understood the Bank's internal control system
categories, Held to maturity, Available for sale to comply with relevant RBI guidelines regarding valuation,
and Held for Trade. classification, identification of Non-Performing Investments,
Provisioning/depreciation related to investments;
l Investments constitute 25.99% of the Bank's
total assets. These are governed by the 2) We assessed and evaluated the process adopted for collection
circulars and directives of the Reserve Bank of of information from various sources for determining fair value of
India (RBI). These directions of RBI, inter alia,
these investments;

- 362 -
 Sr.
Key Audit Matter
No.
cover valuation of investments, classification of 3)
investments, identification of non-performing
investments, the corresponding non-
recognition of income and provision there
against.
l The valuation of each category (type) of the
aforesaid securities is to be done as per the 4)
method prescribed in circulars and directives
issued by the RBI which involves collection of
data / information from various sources such as 5)
FIMMDA rates, rates quoted on BSE / NSE,
financial statements of unlisted companies etc.
Considering the complexities and extent of
judgement involved in the valuation, volume of
transactions, investments on hand and degree of
regulatory focus, this has been determined as a Key
Audit Matter.
6)
Accordingly, our audit was focused on valuation of
investments, classification, identification of Non-
Performing Investments and provisioning related to
investments.
Information Other than the Standalone Financial Statements and Auditor's Report thereon
How was the Key Audit Matter addressed in the Audit
For the selected sample of investments in hand, we tested
accuracy and compliance with the RBI Master Circulars and
directions by re-performing valuation for each category of the
security. Samples were selected after ensuring that all the
categories of investments (based on nature of security) were
covered in the sample;
We assessed and evaluated the process of identification of NPIs,
and corresponding reversal of income and creation of provision;
We carried out substantive audit procedures to re-compute
independently the provision to be maintained and depreciation to
be provided in accordance with the circulars and directives of the
RBI. Accordingly, we selected samples from the investments of
each category and tested for NPIs as per the RBI guidelines and
recomputed the provision to be maintained in accordance with
the RBI Circular for those selected sample of NPIs;
We tested the mapping of investments between the Investment
application software and the financial statement preparation
software to ensure compliance with the presentation and
disclosure requirements as per the aforesaid RBI Circular/
directions.

6. The Bank's Board of Directors is responsible for the other information. The other information comprises the Corporate
Governance Report which we have obtained at the time of issue of this report(but does not include the Standalone Financial
Statements and our auditors' report thereon). The Directors' Report including annexures in annual report, if any, thereon is
expected to be made available to us after the date of this auditor's report.

Our opinion on the Standalone Financial Statements does not cover the other information and Pillar 3 disclosure under Basel III
and we do not and 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 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 Directors' Report of the Bank, including annexures in annual report, if any, thereon, if we conclude that there
is a material misstatement therein, we are required to communicate the matter to those charged with governance.

Responsibilities of Management and Those Charged with Governance for the Standalone Financial Statements

7. 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 the 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.

The Board of Directors is also responsible for overseeing the Bank's financial reporting process.

- 363 -
Auditor's Responsibilities for the Audit of the Standalone Financial Statements

8. 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:

l Identify and assess the risks of material misstatement of the Standalone 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 opinion. The risk of not detecting a material misstatement resulting from fraud is
higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions,
misrepresentations, or the override of internal control.

l Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in
the circumstances.

l Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related
disclosures made by management.

l Conclude on the appropriateness of management's 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 exists, we are required to draw
attention in our auditor's report to the related disclosures 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.

l 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 standalone financial statements.

We communicate with those charged 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 charged with governance with a 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 safeguards.

From the matters communicated with those charged with governance, we determine those matters that were of most
significance in the 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 a matter should not be communicated in our report because the adverse
consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication.

Other Matters

9. We did not audit the financial statements / information of 2104 branches included in the standalone financial statements of the
st
Bank whose financial statements / financial information reflect total assets of Rs. 2,84,742.50 crores as at 31 March 2022 and
total revenue of Rs.13,762.05 crores for the year ended on that date, as considered in the Standalone Financial Statements.
This 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.

- 364 -
Our opinion is not modified in respect of above matters
10. The Standalone Financial Statements of the Bank for the previous year ended 31st March, 2021 were audited by the joint
auditors, four of whom are predecessor audit firms and they had expressed unmodified opinion on such Standalone Financial
Statements.
Report on Other Legal and Regulatory Requirements
11. The standalone Balance Sheet and the standalone Profit and Loss Account have been drawn up in accordance with Section 29
of the Banking Regulation Act, 1949;
12. Subject to the limitations of the audit indicated in paragraphs 7 to 9 above and as required by the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations of disclosure required therein, we
report that:
a) We have sought and 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.
13. As required by the RBI's letter no. DOS.ARG.No.6270/08.91.001/2019-20 dated March 17, 2020 (as amended), we report that:
a) In our opinion, the aforesaid Standalone Financial Statements comply with the applicable Accounting Standards issued
by ICAI, to the extent they are not inconsistent with the accounting policies prescribed by the RBI.
b) Our audit report on the adequacy and operating effectiveness of the Bank's internal financial controls over financial
reporting is given in Annexure A to this report. Our report expresses an unmodified opinion on the Bank's internal
financial controls over financial reporting as at 31st March, 2022.
c) The provisions of Section 164(2) of the Companies Act, 2013 pertaining to disqualification of directors are not applicable
to the Bank.
d) There are no observations or comments on financial transactions or matters which have any adverse effect on the
functioning of the bank.
e) There are no qualifications, reservations or adverse remarks relating to the maintenance of accounts and other matters
connected therewith.
14. 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
branches not visited by us.
b) the standalone Balance Sheet, the standalone Profit and Loss Account and the standalone Statement of Cash Flows
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 2102 branch offices audited by branch auditors of the Bank under section 29 of the
Banking Regulation Act, 1949 have been forwarded to us and have been properly dealt with by us in preparing this
report; and
d) In our opinion, the Balance Sheet, the Statement of Profit and Loss Account and the Statement of Cash Flows comply
with the applicable accounting standards, to the extent they are not inconsistent with the accounting policies prescribed
by RBI.

For SRIRAMAMURTHY & CO For RAVI RAJAN & CO LLP For P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FR No. 003032S FR No. 009073N / N500320 FR No. 003990S / S200018

Partner M. PRATYUSHA Partner SUMIT KUMAR Partner P DEVI

(M. No. 254141) (M. No. 512555) (M No. 223137)
UDIN: 22254141AJEANT9965 UDIN: 22512555AIUPTX7923 UDIN: 22223137AJQIZM2479

For G NATESAN & CO For SARC & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No. 002424S FR No. 006085N

Partner VARALAKSHMI MURALI Partner CHETAN THAKKAR

(M. No. 028863) (M. No. 114196)
UDIN: 22028863AIUPRK7986 UDIN: 22114196AIUPWD3724

Place of Signature: Chennai

Date of Report: 11th May, 2022

- 365 -
 ANNEXURE “A” TO THE INDEPENDENT AUDITOR'S REPORT
(Referred to in paragraph 13(b) under 'Report on Other Legal and Regulatory Requirements' section of our report of even date)

Report on the Internal Financial Controls Over Financial Reporting as required by the Reserve Bank of India (the “RBI”) Letter
DOS.ARG.No.6270/08.91.001/2019-20 dated March 17, 2020 (as amended) (the “RBI communication”)

We have audited the internal financial controls over financial reporting of Indian Bank as of March 31, 2022 in conjunction with our audit
of the Standalone Financial Statements of the Bank for the year ended on that date which includes internal financial controls over
financial reporting of the Bank's branches.

Management's Responsibility for Internal Financial Controls

The Bank's management is responsible for establishing and maintaining internal financial controls based on the internal control over
financial reporting criteria established by the Bank considering the essential components of internal control stated in the Guidance Note
on Audit of Internal Financial Controls Over Financial Reporting issued by the Institute of Chartered Accountants of India. These
responsibilities include the design, implementation and maintenance of adequate internal financial controls that were operating
effectively for ensuring the orderly and efficient conduct of its business, including adherence to the Bank's policies, the safeguarding of
its assets, the prevention and detection of frauds and errors, the accuracy and completeness of the accounting records, and the timely
preparation of reliable financial information, as required under the Banking Regulation Act, 1949 and the circulars and guidelines issued
by the Reserve Bank of India.

Auditor's Responsibility

Our responsibility is to express an opinion on the Bank's internal financial controls over financial reporting based on our audit. We
conducted our audit in accordance with the Guidance Note on Audit of Internal Financial Controls Over Financial Reporting (the
“Guidance Note”) issued by the Institute of Chartered Accountants of India (the “ICAI”) and the Standards on Auditing (SAs) issued by the
ICAI, to the extent applicable to an audit of internal financial controls. Those Standards and the Guidance Note require that we comply
with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether adequate internal financial
controls over financial reporting were established and maintained and if such controls operated effectively in all material respects.

Our audit involves performing procedures to obtain audit evidence about the adequacy of the internal financial controls over financial
reporting and their operating effectiveness. Our audit of internal financial controls over financial reporting included obtaining an
understanding of internal financial controls over financial reporting, assessing the risk that a material weakness exists and testing and
evaluating the design and operating effectiveness of internal financial controls based on the assessed risk. The procedures selected
depend on the auditor's judgement, including the assessment of the risks of material misstatement of the Standalone Financial
Statements, whether due to fraud or error.

We believe that the audit evidence we have obtained and the audit evidence obtained by the branch auditors, in terms of their reports
referred to in the Other Matters paragraph below, is sufficient and appropriate to provide a basis for our audit opinion on the Bank's
internal financial controls over financial reporting.

Meaning of Internal Financial Controls Over Financial Reporting

A Bank's internal financial controls over financial reporting is a process designed to provide reasonable assurance regarding the
reliability of financial reporting and the preparation of Standalone Financial Statements for external purposes in accordance with
generally accepted accounting principles. A Bank's internal financial controls over financial reporting includes those policies and
procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and
dispositions of the assets of the Bank; (2) provide reasonable assurance that transactions are recorded as necessary to permit
preparation of Standalone Financial Statements in accordance with generally accepted accounting principles, and that receipts and
expenditures of the Bank are being made only in accordance with authorisations of management and Board of Directors of the Bank; and
(3) provide reasonable assurance regarding prevention or timely detection of unauthorised acquisition, use, or disposition of the Bank's
assets that could have a material effect on the Standalone Financial Statements.

Inherent Limitations of Internal Financial Controls Over Financial Reporting

Because of the inherent limitations of internal financial controls over financial reporting, including the possibility of collusion or improper
management override of controls, material misstatements due to error or fraud may occur and not be detected. Also, projections of any
evaluation of the internal financial controls over financial reporting to future periods are subject to the risk that the internal financial
controls over financial reporting may become inadequate because of changes in conditions, or that the degree of compliance with the
policies or procedures may deteriorate.

- 366 -
Opinion

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 branch auditors referred to in the Other Matters paragraph below, the Bank has, in all material respects, adequate internal
financial controls over financial reporting and such internal financial controls over financial reporting were operating effectively as at
March 31, 2022, based on the criteria for internal control over financial reporting established by the Bank considering the essential
components of internal control stated in the Guidance Note on Audit of Internal Financial Controls Over Financial Reporting issued by the
Institute of Chartered Accountants of India.

Other Matters

Our aforesaid report in so far as it relates to the operating effectiveness of internal financial controls over financial reporting of 2102
branches is based on the corresponding reports of the respective branch auditors of those branches.

During our testing of the internal financial controls over financial reporting and based on the report of the branch auditors, certain matters
were noticed by us. Bank needs to further strengthen the process including alteration of the existing Risk Control Matrix (RCM) and
designing a few more RCMs. Our suggestions in this regard have been submitted to the Management to further strengthen the internal
financial controls over financial reporting of the Bank.

Our opinion is not modified in respect of this matter.

For SRIRAMAMURTHY & CO For RAVI RAJAN & CO LLP For P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FR No. 003032S FR No. 009073N / N500320 FR No. 003990S / S200018

Partner M. PRATYUSHA Partner SUMIT KUMAR Partner P DEVI

(M. No. 254141) (M. No. 512555) (M No. 223137)
UDIN: 22254141AJEANT9965 UDIN: 22512555AIUPTX7923 UDIN: 22223137AJQIZM2479

For G NATESAN & CO For SARC & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No. 002424S FR No. 006085N

Partner VARALAKSHMI MURALI Partner CHETAN THAKKAR

(M. No. 028863) (M. No. 114196)
UDIN: 22028863AIUPRK7986 UDIN: 22114196AIUPWD3724

Place of Signature: Chennai

Date of Report: 11th May, 2022

- 367 -
 Le
ft
in
te
nt
io
na

- 368 -
lly
bl
an
k
 CONSOLIDATED BALANCE SHEET,
PROFIT AND LOSS ACCOUNT AND SCHEDULES

- 369 -
 (` in Crore)
CONSOLIDATED BALANCE SHEET AS ON MARCH 31, 2022
PARTICULARS Schedule No. As on 31.03.2022 As on 31.03.20201
(Audited) (Audited)
CAPITAL & LIABILITIES
Capital 1 1245.44 1129.37
Reserves & Surplus 2 43706.49 38328.70
Minority Interest 2A 24.98 22.60
Deposits 3 593570.88 538029.80
Borrowings 4 17152.85 24762.77
Other Liabilities & Provisions 5 18395.79 23261.93
Total 674096.43 625535.17
ASSETS
Cash & Balances with Reserve Bank of India 6 24054.46 27545.18
Balances with Banks and Money at call and short notice 7 55913.76 23958.97
Investments 8 176501.61 178292.44
Advances 9 389186.07 362669.08
Fixed Assets 10 7698.91 7392.56
Other Assets 11 20741.62 25676.94
Total 674096.43 625535.17
Contingent Liabilities 12 353586.82 293606.77
Bills for Collection 14144.89 12620.73

S L JAIN
MANAGING DIRECTOR & CEO

ASHWANI KUMAR IMRAN AMIN SIDDIQUI

EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
DIRECTORS
SANJEEV KAUSHIK ADITYA GAIHA
GOVERNMENT NOMINEE DIRECTOR RBI NOMINEE DIRECTOR

BHARATH KRISHNA SANKAR PAPIA SENGUPTA

SHAREHOLDER DIRECTOR SHAREHOLDER DIRECTOR
BALMUKUND SAHAY VISHVESH KUMAR GOEL
PART TIME NON OFFICIAL DIRECTOR PART TIME NON OFFICIAL DIRECTOR

STATUTORY CENTRAL AUDITORS

For M/s. SRIRAMAMURTHY & CO For M/s. RAVI RAJAN & CO LLP For M/s. P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FR No. 003032S FR No. 009073N / N500320 FR No. 003990S/S200018

M. PRATYUSHA SUMIT KUMAR P. DEVI

Partner Partner Partner
¼M. No. 254141½ ¼M. No. 512555½ ¼M No. 223137½

M/s. G NATESAN & CO M/s. S A R C & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No: 002424S FR No: 006085N

VARALAKSHMI MURALI CHETAN THAKKAR

Partner Partner
¼M No. 028863½ ¼M No. 114196½

Place : Chennai
Date : 11.05.2022

- 370 -
CONSOLIDATED PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2022 (` in Crore)

Schedule Y.E. 31.03.2022 Y.E. 31.03.2021

PARTICULARS
No. (Audited) (Audited)
I. Income
Interest earned 13 38861.65 39108.08
Other Income 14 7406.50 6111.40
Total 46268.15 45219.48
II. Expenditure
Interest expended 15 22129.25 23438.80
Operating Expenses 16 11353.54 10789.28
Provisions & Contingencies 8791.47 7975.68
Total 42274.26 42203.76
III. Consolidated Profit / (loss) for the period attributable to group 3993.89 3015.72
Share of earnings in Associates 150.30 134.86
Consolidated Profit / (loss) for the period before deducting minorities'
interest 4144.19 3150.58
Less: Minority Interest 2.38 1.43
Consolidated Profit / (loss) for the period attributable to the group 4141.81 3149.15
Profit / (Loss) brought forward 845.15 556.71
Add: Other Adjustments / Set off against Share Premium -23.19 41.29
Total 4963.77 3747.15
IV. Appropriations
Transfer to
Statutory Reserves 986.21 751.17
Capital Reserves-Others 147.90 47.71
Spl.Reserve u/s 36(1)(viii) of I T Act 108.35 0.00
Investment Fluctuation Reserve 0.00 464.91
Revenue Reserves 1800.00 1387.34
Staff Welfare Fund 40.00 25.00
Investment Reserve 0.00 0.00
Proposed Equity Dividend 809.54 225.87
Proposed Preference Dividend 0.00 0.00
Dividend Distribution Tax 0.00 0.00
Balance carried to consolidated Balance Sheet 1071.77 845.15
Total Appropriations 4963.77 3747.15
Earnings per Share in Rs.(Basic & diluted) 33.99 27.88

S L JAIN
MANAGING DIRECTOR & CEO
ASHWANI KUMAR IMRAN AMIN SIDDIQUI
EXECUTIVE DIRECTOR EXECUTIVE DIRECTOR
DIRECTORS
SANJEEV KAUSHIK ADITYA GAIHA
GOVERNMENT NOMINEE DIRECTOR RBI NOMINEE DIRECTOR

BHARATH KRISHNA SANKAR PAPIA SENGUPTA

SHAREHOLDER DIRECTOR SHAREHOLDER DIRECTOR
BALMUKUND SAHAY VISHVESH KUMAR GOEL
PART TIME NON OFFICIAL DIRECTOR PART TIME NON OFFICIAL DIRECTOR

STATUTORY CENTRAL AUDITORS

For M/s. SRIRAMAMURTHY & CO For M/s. RAVI RAJAN & CO LLP For M/s. P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FR No. 003032S FR No. 009073N / N500320 FR No. 003990S/S200018

M. PRATYUSHA SUMIT KUMAR P. DEVI

Partner Partner Partner
¼M. No. 254141½ ¼M. No. 512555½ ¼M No. 223137½

M/s. G NATESAN & CO M/s. S A R C & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No: 002424S FR No: 006085N

VARALAKSHMI MURALI CHETAN THAKKAR

Partner Partner
¼M No. 028863½ ¼M No. 114196½
Place : Chennai
Date : 11.05.2022 - 371 -
SCHEDULE 1 - CAPITAL (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Authorised Capital

300,00,00,000 Equity Shares of Rs.10/- each 3000.00 3000.00

II. Issued, Subscribed and Paid up:

a. 99,45,49,600 Equity shares of Rs.10/- each held by Central Government

(P.Y.99,45,49,600 Equity shares of Rs. 10/- each) 994.55 994.55

b. 25,08,91,539 Equity Shares of Rs.10/- each held by Public

(P.Y. 13,48,16,970 Equity shares of Rs.10/- each) 250.89 134.82

Total 1245.44 1,129.37

SCHEDULE 2 - RESERVES AND SURPLUS (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. STATUTORY RESERVES
a) Opening Balance 8649.75 4,694.20
b) Additions during the period* 986.21 3,955.55
c) Deductions during the period 0.00 0.00
TOTAL I 9635.96 8,649.75
II. CAPITAL RESERVES
A) Revaluation Reserve
a) Opening Balance 5754.97 2,987.84
b) Additions during the period* 599.47 2,909.99
c) Deductions during the period 143.42 142.86
TOTAL (A) 6211.02 5,754.97
B) Others
a) Opening Balance 962.79 388.55
b) Additions during the period* 147.90 574.24
c) Deductions during the period 0.00 0.00
TOTAL (B) 1110.69 962.79
TOTAL II (A + B) 7321.71 6,717.76
III. SHARE PREMIUM
a) Opening Balance 857.62 4,026.65
b) Additions during the period* 1533.93 15,806.50
c) Deductions during the period 0.00 18,975.53
TOTAL III 2391.55 857.62
IV. REVENUE AND OTHER RESERVES
A) Revenue Reserve
a) Opening Balance 13369.84 7,669.06
b) Additions during the period* 1800.00 5,557.92
c) Tfrd from Revaluation Reserve 143.42 142.86
d) Deductions during the period 0.00 0.00
TOTAL (A) 15313.26 13,369.84

- 372 -
 PARTICULARS As on 31.03.2022 As on 31.03.2021

B) Special Reserve U/S 36(1)(viii) of IT Act

a) Opening Balance 2181.35 725.52
b) Additions during the period* 108.35 1,455.83
c) Deductions during the period 0.00 0.00
TOTAL (B) 2289.70 2,181.35
C) Special Reserve U/S 36(1)(viii a) of IT Act
a) Opening Balance 58.20 58.20
b) Additions during the period 0.00 0.00
c) Deductions during the period 0.00 0.00
TOTAL (C) 58.20 58.20
D) Investment Fluctuation Reserve
a) Opening Balance 1031.90 566.99
b) Additions during the period 0.00 464.91
c) Deductions during the period 0.00 0.00
TOTAL (D) 1031.90 1,031.90
E) Investment Reserve
a) Opening Balance 186.38 47.80
b) Additions during the period* 0.00 138.58
c) Deductions during the period 0.00 0.00
TOTAL (E) 186.38 186.38
F) Foreign Currency Translation Reserve
a) Opening Balance 421.93 437.26
b) Additions during the period 0.00 0.00
c) Deductions during the period 24.69 15.33
TOTAL (F) 397.24 421.93
G) IRS Reserve
a) Opening Balance 1.91 0.00
b) Additions during the period* 0.00 1.91
c) Deductions during the period 0.00 0.00
TOTAL (G) 1.91 1.91
TOTAL IV (A + B + C + D+ E + F + G) 19278.59 17,251.51
V. AMALGAMATION RESERVE
a) Opening Balance 4006.91 0.00
b) Additions during the period 0.00 4,006.91
c) Deductions during the period 0.00 0.00
TOTAL V 4006.91 4,006.91
VI. PROFIT & LOSS ACCOUNT
Opening Balance 845.15 556.71
Additions during the period 4141.81 247.14
Deductions during the period* 3915.19 18,934.23
Adjustment from Share Premium 0.00 18,975.53
TOTAL VI 1071.77 845.15
TOTAL (I+II+III+IV+V+VI) 43706.49 38,328.70
*Additions/deductions during FY 2020-21 include e - AB reserves.
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SCHEDULE 2A - MINORITY INTEREST (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

Minority interest on the date on which the parent-subsidiary

relationship came into existence 3.27 3.27
Subsequent increase/ decrease 21.71 19.33
Minority interest on the date of balance sheet 24.98 22.60

SCHEDULE 3 - DEPOSITS (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

A.I. Demand Deposits

(i) From Banks 125.60 289.29
(ii) From others 36588.93 32,053.15
II. Savings Bank Deposits 211205.86 195,250.29
III.Term Deposits
(i) From Banks 6067.87 5,323.10
(ii) From others 339582.62 305,113.97
Total A (I,II & III) 593570.88 538,029.80
B.(I) Deposits of branches in India 584613.72 529,222.92
(II) Deposits of branches outside India 8957.16 8,806.88
Total B (I & II) 593570.88 538,029.80

SCHEDULE 4 - BORROWINGS (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Borrowings in India
(i) RBI 0.00 5,032.04
(ii) Other Banks 7.07 4.95
(iii) Other Institutions and Agencies 15286.53 14,948.82
II.Borrowings outside India 1859.25 4,776.96
Total (I & II) 17152.85 24,762.77

SCHEDULE 5 - OTHER LIABILITIES AND PROVISIONS (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Bills Payable 1585.17 1443.92

II. Inter-Office adjustments (net) 0.00 5073.01
III. Interest Accrued 994.22 1041.93
IV. Others (including provisions) 15816.40 15703.07
Total 18395.79 23261.93

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SCHEDULE 6 - CASH AND BALANCES WITH RESERVE BANK OF INDIA (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Cash in hand (including foreign currency notes) 1962.45 1658.38

II.Balances with Reserve Bank of India -
(i) in Current Account 22092.01 25886.80
(ii) in Other Accounts 0.00 0.00
Total 24054.46 27545.18

SCHEDULE 7 - BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICE (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. In India
(i) Balances with Banks
(a) in Current Accounts 30.64 116.03
(b) in Other Deposit Accounts 1413.81 2065.07
(ii) Money at call and short notice
(a) with Banks 34500.20 8900.00
(b) with other institutions 0.00 0.00
Total I (i & ii) 35944.65 11081.10
II.Outside India
(i) in Current Account 503.98 1577.68
(ii) in Other Deposit Accounts 19453.09 11270.82
(iii) Money at call and short notice 12.04 29.37
Total II (i, ii & iii) 19969.11 12877.87
Grand Total (I & II) 55913.76 23958.97

SCHEDULE 8 - INVESTMENT (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. INVESTMENTS IN INDIA
Gross Investments 180407.76 181348.95
Less : Provision for Depreciation & NPI 5608.72 5382.93
Net Investment 174799.04 175966.02
(i) Government securities 140854.58 157952.46
(ii) Other approved securities 7.25 9.14
(iii) Shares 1214.57 996.38
(iv) Debentures and Bonds 30739.72 13653.87
(v) Investment in Associates 1011.85 861.55
(vi) Others 971.07 2492.62
Total 174799.04 175966.02
II. INVESTMENT OUTSIDE INDIA
Gross Investments 1800.52 2420.90
Less : Provision for Depreciation & NPI 97.95 94.48
Net Investment 1702.57 2326.42
(i) Government securities (including local authorities) 1702.01 2304.10
(ii) Investments in Associates 0.00 0.00
(iii) Other investments(to be specified)
(a) Shares 0.56 0.60
(b) Debt Securities 0.00 21.72
Total 1702.57 2326.42
Grand Total (I&II) 176501.61 178292.44

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 (` in Crore)
SCHEDULE 9 - ADVANCES
PARTICULARS As on 31.03.2022 As on 31.03.2021

A. (i) Bills Purchased and discounted 3430.06 2131.35

(ii) Cash credits, overdrafts and loans repayable on demand 245298.44 220090.98
(iii)Term Loans 140457.57 140446.75
(iv) Others 0.00 0.00
Total (A) 389186.07 362669.08
B. (i) Secured by tangible assets
(includes advances against book debts)* 322961.60 320789.57
(ii) Covered by Bank / Government Guarantees 39614.40 22887.66
(iii) Unsecured 26610.07 18991.85
Total (B) 389186.07 362669.08
C. I. Advances in India
(i) Priority Sector 163407.16 156301.48
(ii) Public Sector 67147.92 64398.78
(iii) Banks 0.00 169.24
(iv) Others 139011.85 131526.73
Total (C-I) 369566.93 352396.23
C. II.Advances outside India
(i) Due from Banks 11105.63 4475.58
(ii) Due from Others
(a) Bills Purchased & discounted 2541.53 771.17
(b) Syndicated Loans 4650.75 3515.42
(c) Others 1321.23 1510.68
Total (C-II) 19619.14 10272.85
Total (C-I+C-II) 389186.07 362669.08
* includes advances against Book Debt: 67000.84 crore, (previous year: 63247.10 crore)

SCHEDULE 10 - FIXED ASSETS (` in Crore)

PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Premises
At cost/ revaluation as per last Balance Sheet 6866.57 6862.57
Additions/ adjustments during the year 601.26 4.00
Deductions during the year 4.69 0.00
Depreciation to date 1415.80 1246.78
Net Value 6047.34 5619.79
IA.Premises under Construction 0.97 1.07
II. Other Fixed Assets (including furniture & fixtures)
At cost as per last Balance Sheet 4666.96 4158.17
Additions during the year 319.43 556.66
Deductions during the year 89.07 47.87
Depreciation to date 3757.47 3383.29
Net Value 1139.85 1283.67
IIA.Leased Assets
At cost as per last Balance Sheet 552.10 552.43
Additions during the year 0.00 0.00
Deductions during the year including provisions 2.53 0.33
Depreciation to date 41.22 64.50
Net Value 508.35 487.60
III. Capital-work-in-progress (Leased Assets) net of provisions 2.40 0.43
Total (I, IA, II, IIA & III) 7698.91 7392.56

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 (` in Crore)
SCHEDULE 11 - OTHER ASSETS
PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Inter Office Adjustment (net) 270.53 0.00

II. Interest accrued 2999.69 4142.80

III. Tax paid in advance/ Tax deducted at source (Net) 6440.81 6655.17

IV. Stationery and stamps 27.14 46.44

V. Non-banking assets acquired in satisfaction of claims 51.38 51.38

VI. Deferred Tax assets (Net) 3885.69 2851.41

VII.Others 7066.38 11929.74

Total 20741.62 25676.94

(` in Crore)
SCHEDULE 12 - CONTINGENT LIABILITIES
PARTICULARS As on 31.03.2022 As on 31.03.2021

I. Claims against the Bank not acknowledged as debts 2159.16 953.37

II. Liability for partly paid Investments 462.77 373.82

III. Liability on account of outstanding forward exchange contracts 306197.71 254856.84

IV. Guarantees given on behalf of constituents*

(a) In India 21969.84 17792.78

(b) Outside India 300.68 379.99

V. Acceptances, endorsements and other obligations* 10837.92 9394.29

VI.Other items for which the bank is contingently liable 11658.74 9855.68

Total 353586.82 293606.77

*Contingent liability has been considered net of margin.

(` in Crore)
SCHEDULE 13 - INTEREST EARNED
PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Interest/ discount on advances/ bills 26927.55 27363.57

II. Income on Investments 10970.83 11170.35

III. Interest on balances with Reserve Bank of India and other inter-bank funds 851.52 425.71

IV. Others 111.75 148.45

Total 38861.65 39108.08

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 (` in Crore)
SCHEDULE 14 - OTHER INCOME
PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Commission, exchange and brokerage 1181.89 1131.77

II. Profit on sale of land, buildings and other assets 7.40 2.84
Less: Loss on sale of land, buildings and other assets 4.35 3.26
Net 3.05 -0.42
III. Profit on exchange transactions 689.99 406.22
Less: Loss on exchange transactions 0.00 0.00
Net 689.99 406.22
IV. Profit on sale of Investments 1757.16 2261.90
Less: Loss on sale of investments 122.36 136.37
Net 1634.80 2125.53
V. Profit on Revaluation of Investments 0.01 0.02
Less: Loss on revaluation of investments 343.25 429.08
Net -343.24 -429.06
VI. a) Lease finance/ Hire Purchase income 0.02 0.04
b) Income earned by way of dividends etc. from companies and / or
joint ventures abroad/ in India 26.79 12.45
VII.Miscellaneous Income 4213.20 2864.87
Total 7406.50 6111.40

SCHEDULE 15 - INTEREST EXPENDED (` in Crore)

PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Interest on deposits 20933.43 22218.39

II. Interest on Reserve Bank of India/ inter-bank borrowings 248.46 400.90

III. Others 947.36 819.51

Total 22129.25 23438.80

(` in Crore)
SCHEDULE 16 - OPERATING EXPENSES
PARTICULARS Y E 31.03.2022 Y E 31.03.2021

I. Payments to and provisions for employees 6738.44 6411.62

II. Rent, taxes and lighting 615.43 611.77
III. Printing and stationery 85.85 58.53
IV. Advertisement and publicity 30.20 14.92
V. (a) Depreciation on Bank's property other than Leased Assets 600.68 633.17
(b) Depreciation on Leased Assets 0.18 3.73
VI. Directors' fees, allowances and expenses 1.17 0.77
VII. Auditors' fees and expenses (including branch
auditors' fees and expenses) 47.64 63.29
VIII.Law charges 20.26 23.66
IX. Postage, telegrams, telephones, etc. 111.29 118.93
X. Repairs and maintenance 246.33 201.76
XI. Insurance 742.31 682.42
XII. Other expenditure 2113.76 1964.71
Total 11353.54 10789.28

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 SCHEDULE - 17
SIGNIFICANT ACCOUNTING POLICIES
(CONSOLIDATED)
1. ACCOUNTING CONVENTION:
The financial statements are prepared by following the going
concern concept on historical cost convention unless
otherwise stated. They conform to generally accepted
accounting principles in India, which comprises statutory
provisions, regulatory / Reserve Bank of India guidelines,
accounting standards / guidance notes issued by the Institute
of Chartered Accountants of India and the practices prevalent
in the Banking Industry in India. In respect of foreign branches
as per statutory provisions and practices prevailing in the
respective countries.
2. USE OF ESTIMATES :
The preparation of financial statements requires the
management to make estimates and assumptions for
considering the reported assets and liabilities (including
contingent liabilities) as on the date of financial statements
and the income and expenses for the reporting period.
Management believes that the estimates used in the
preparation of the financial statements are prudent and
reasonable.
3. CONSOLIDATION PROCEDURE :
a. Consolidated financial statements of the “Bank”
(parent and its subsidiaries, its Joint Ventures) have
been prepared on the basis of audited financial
statements of Indian Bank (parent) and audited
financial statements of its subsidiaries viz. (1) Ind
Bank Housing Ltd, (2) Indbank Merchant Banking
Services Ltd., its Joint Venture viz. (1) Universal
Sompo General Insurance Co. Ltd, (2) ASREC (India)
Limited after eliminating intra group transactions and
unrealized profit/losses and making necessary
adjustments except wherever otherwise stated in
accordance with Accounting Standard 27 "Financial
Reporting of interest in Joint Ventures" issued by the
Institute of Chartered Accountants of India. The
financial statements of the Subsidiaries and Joint
Ventures are drawn up to the same reporting date of
the parent.
b. The Subsidiaries, Joint Ventures and Associates
follow Accounting Policies as prescribed by the
respective regulatory authorities and as per statutory
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requirements. In view of such diverse accounting
policies required to be followed, the consolidated
financial statements have been prepared by adopting
the respective accounting policies of the mandated /
statutory requirements.
c. The difference between the cost to the parent of its
investment in subsidiary entity and the parent’s
portion of its equity in the subsidiary with reference to
the date of acquisition is recognized in the
consolidated financial statement as Capital
Reserve/Goodwill. The parent’s share in the post-
acquisition profits/losses is adjusted against the
Revenue Reserve.
d. The minority interests in the net result of the operation
and the asset of the subsidiary, represent that part of
profit and the net asset attributable to the minorities.
e. Investments in Associates are accounted for under
the Equity Method as per Accounting Standard -23
(AS - 23) - “Accounting for Investments in Associates
in Consolidated Financial Statements” issued by ICAI
based on the audited Financial Statements of the
Associates.
4. TRANSACTIONS INVOLVING FOREIGN EXCHANGE :
PARENT:
4.1 Foreign Currency transactions of Indian operations and
non-integral foreign operations are accounted for as per
Accounting Standard-11 (AS-11) issued by the Institute of
Chartered Accountants of India (ICAI).
4.2 Translation in respect of Indian operations:
a) Foreign exchange transactions are recorded at the
Weekly Average Rate (WAR) notified by Foreign
Exchange Dealers’Association of India (FEDAI).
b) Foreign currency assets and liabilities are translated
at the closing rates notified by FEDAI at the year end.
c) Acceptances, endorsements and other obligations
and guarantees in foreign currency are carried at the
closing rates notified by FEDAI at the year end.
 d) Exchange differences arising on settlement and
translation of foreign currency assets and liabilities at
the end of the financial year are recognized as income
or expenses in the period in which they arise.
e) Outstanding forward exchange contracts are
disclosed at the Contracted rates, and revalued at
FEDAI closing rates, and the resultant effect is
recognized in the Profit and Loss account.
4.3 Translation in respect of non-integral foreign
operations:
Foreign branches are classified as non-integral foreign
operations and the financial statements are translated as
follows:
1. Assets and liabilities including contingent liabilities
are translated at the closing rates notified by FEDAI at
the year end.
2. Income and expenses are translated at the Quarterly
Average Closing rate notified by FEDAI at the end of
the respective quarter.
3. All resulting exchange differences are accumulated in
a separate account “Foreign Currency Translation
Reserve” (FCTR) till the disposal of the net
investments.
5. INVESTMENTS
PARENT:
5.1.1 The entire investment portfolio of the Bank is
classified in accordance with the RBI guidelines into
three categories viz.
• Held To Maturity (HTM)
• Available For Sale (AFS)
• Held For Trading (HFT)
The securities acquired with the intention to be held
till maturity are classified under “HTM” category. The
securities acquired with the intention to trade by
taking advantage of short–term price / interest
movements are classified as “HFT”. All other
securities which do not fall under any of the two
categories are classified under “AFS” category.
An investment is classified as Held to Maturity,
Available for Sale or Held for Trading at the time of its
purchase/acquisition and subsequent shifting is
done in conformity with the Regulatory guidelines.
Transfer of scrips, if any, from one category to
another is done at the lowest of acquisition cost/book
value/market value on the date of transfer and
depreciation, if any, on such transfer is fully provided
for.
Investment in Subsidiaries, Joint Ventures and
Associates are classified as Held to Maturity.
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Profit on sale of securities under HTM category is first
taken to Profit and Loss account and thereafter
appropriated to Capital Reserve account (net of
taxes and amount required to be transferred to
statutory reserves) and loss, if any, charged to Profit
& Loss account.
5.1.2 Investments in India are valued in accordance with
RBI guidelines, as under:
a) Securities in HTM category are valued at acquisition
cost except where the acquisition cost is higher than
the face value, in which case, such excess of
acquisition cost over the face value is amortized over
the remaining period of maturity. Any diminution,
other than temporary, in value of investments in
Subsidiaries / Joint Ventures / Associates which are
included under HTM category is recognized and
provided. Such diminution is being determined and
provided for each investment individually.
Investment in units of Venture Capital Funds (VCF) /
Alternate Investment Fund (AIF) made after
23.08.2006 are classified under HTM category for
initial period of 3 years and valued at cost.
b) Investment in Subsidiaries, Joint Ventures and
Associates are valued at historical cost. Investment
in sponsored Regional Rural Banks (RRB) are
valued at carrying cost (i.e. Book value).
c) Investments in AFS category are marked to market,
scrip-wise and classification wise, at quarterly
intervals. Net depreciation, if any, is provided for in
the Profit and Loss account while net appreciation, if
any, is ignored. The book value of the individual
securities does not undergo any change after
marking to market.
d) The individual scrips in the HFT category are marked
to market at daily intervals. Net depreciation, if any,
is provided for in the Profit and Loss account while
net appreciation, if any, is ignored. The Book Value
of the individual securities in this category does not
undergo any change.
Securities in AFS and HFT categories are valued as under:
i. Central Government Securities and State Govt.
Securities are valued at prices / YTM rates as
announced by Primary Dealers Association of India
(PDAI) jointly with Fixed Income Money Market and
Derivatives Association of India (FIMMDA) /
Financial Benchmark India Private Ltd (FBIL).
ii. Other approved securities are valued applying the
YTM method by marking up 25 basis points above
the yields of the Central Government Securities of
equivalent maturity put out by PDAI / FIMMDA/ FBIL
periodically.
iii. Equity shares are valued at market price, if quoted.
Unquoted equity shares are valued at break-up value
(without considering revaluation reserves if any) as
per the company’s latest balance sheet (not more
than one year prior to the date of valuation).
 Otherwise, the shares are valued at Re. 1 per
company.
iv. Preference shares are valued at market price, if
quoted; otherwise at lower of the value determined
based on the appropriate YTM rates or redemption
value.
v. All debentures/bonds, other than those which are in
the nature of advances, are valued on the YTM basis.
vi. Treasury bills, Certificate of deposits and
Commercial papers are valued at carrying cost.
vii. Units of Mutual Funds are valued at market price, if
quoted; otherwise at lower of repurchase price or Net
Asset Value (NAV). In case of funds with a lock-in
period, where repurchase price / market quote is not
available, units are valued at NAV, else valued at cost
till the end of the lock-in period.
viii. Investment in units of Venture Capital funds (VCF) /
Alternate Investment Fund (AIF) made after
23.08.2006 are classified under HTM category for
initial period of 3 years and valued at cost. After
period of 3 years from the date of disbursement, it will
be shifted to AFS and marked-to-market as per RBI
guidelines.
5.1.3 In respect of investment at Overseas branches, RBI
guidelines or those of the host countries whichever
are more stringent are followed. In case of those
branches situated in countries where no guidelines
are specified, the guidelines of RBI are followed.
5.1.4 Non-performing investment (NPI) are identified as
stated below, as per guidelines issued by RBI.
a) Securities/Non-cumulative Preference shares where
interest/fixed dividend/installment (including
maturity proceeds) is due and remains unpaid for
more than 90 days.
b) If any credit facility availed by the issuer from the
Bank is a Non-performing advance in the books of
the bank, investment in any of the securities
including preference shares issued by the same
issuer would also be treated as NPI and vice-versa.
However, if only the preference shares are classified
as NPA, the investments in any of the other
performing securities issued by the same issuer may
not be classified as NPI and any performing credit
facilities granted to that borrower need not be treated
as NPA.
c) In case of other equity investments, classified as NPI,
shares are valued at market price, if quoted and in
case it is not quoted, they are valued at Re.1 per
company.
d) Investments backed by guarantee of the Central
Government though overdue are treated as Non-
Performing Asset (NPA) only when the Government
repudiates its guarantee when invoked.
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e) Investment in State Government guaranteed
securities, including those in the nature of ‘deemed
advances’, are subjected to asset classification and
provisioning as per prudential norms if interest/
installment of principal (including maturity proceeds)
or any other amount due to the Bank remains unpaid
for more than 90 days.
5.1.5 Brokerages / Commission / incentive received on
subscriptions are deducted from the cost of
securities. Brokerage / Commission / Stamp duty
paid in connection with acquisition of securities are
treated as revenue expenses.
5.1.6 Interest Rate Swap transactions for trading is marked
to market at quarterly intervals. The fair value of the
total swaps is computed on the basis of the amount
that would be received/ receivable or paid/ payable
on termination of the swap agreements as on the
balance sheet date. Losses arising there from, if any,
are fully provided for, while the profit, if any, is ignored
5.1.7 Exchange traded FX Derivatives i.e. Currency
Futures, are valued at the Exchange determined
prices and the resultant gains and losses are
recognized in the Profit and Loss account.
5.1.8 Premium/interest arising at the inception of forward
exchange swap facility of RBI for FCNR (B) dollar
deposits is amortized as expense over the period of
the swap contract.
5.1.9 Cost of investments is determined based on the
Weighted Average Cost method in each category.
Investments classified under HTM are carried at
acquisition cost as arrived under Weighted Average
Cost method and in case the weighted average cost
is more than the face value, the premium is
amortised over the remaining period of maturity.
5.1.10 Accounting for Repo/Reverse Repo transactions:
All types of repo/reverse repo transactions with RBI
including LAF, variable rate term operations, Long
term Repo operations (LTRO),MSF and also Market
Repo transactions are accounted as per RBI
guidelines.
The securities sold and purchased under
Repo/Reverse Repo are accounted as Triparty Repo
wherein securities are transferred as in the case of
normal outright sale/purchase transactions and such
movement of securities is reflected using the
Repo/Reverse Repo Accounts and Contra entries.
The above entries are reversed on the date of
maturity. Costs and revenues are accounted as
interest expenditure / income, as the case may be.
Balance in Repo Account is classified under
Schedule 4 (Borrowings) and balance in Reverse
Repo Account is classified under Schedule 7
(Balance with Banks and Money at Call & Short
Notice).
SUBSIDIARY COMPANIES:
5.2 Indbank Merchant Banking Services Ltd:
The investments held by the Company are all long
term investments. Long term investments are carried
at cost less provision for diminution, other than
temporary in nature. The Company has reckoned
diminution in value of shares /debentures as
permanent in nature by relying on market value of
quoted shares and book value / fair value whichever
is higher in respect of unquoted shares.
5.3 Ind Bank Housing Ltd
Investments are classified into current investments
and long term investments. Investments are valued
at lower of cost or market value for each investment
individually as per NHB guidelines in force.
6. FINANCIAL ASSETS SOLD TO SECURITISATION
COMPANIES (SC) / RECONSTRUCTION
COMPANIES (RC)
Parent:
6.1 Security Receipts (SR) issued by SCs/RCs in respect
of financial assets sold to them is recognized at lower
of redemption value of SRs and Net Book Value of
financial assets. SRs are valued at:
(a) SRs issued by SCs/RCs prior to 01.04.2017 at Net
Asset Value declared by SCs/RCs on the Balance
Sheet date and depreciation, if any, is provided for
and appreciation is ignored.
(b) As per amended guidelines issued by RBI with effect
from April,01,2017, provisioning requirement on SRs
will be higher of
(i) provisioning rate in terms of Net Asset Value declared
by the SCs/RCs
(ii) provisioning rate as applicable to the underlying
loans, assuming that the loans notionally continued in
the books of the bank
6.2 In case of financial assets sold to RC, the valuation
and, income recognition is being done as per RBI
guidelines. If the sale is for value lower than the Net
Book Value (NBV) (i.e, book value less provisions
held), the shortfall is debited to the Profit and Loss
account or met out of utilization of Floating provision
held, as per extant RBI guidelines.
6.3 If the cash received (by way of initial consideration
and /or redemption of security receipts) is higher than
the Net Book value of the Non-Performing Asset
(NPA) sold to RC, then excess provision is reversed
to the Profit and Loss account. The quantum of
excess provision reversed to Profit and Loss account
is limited to the extent to which cash received
exceeds the NBV of the NPA sold.
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7 ADVANCES
Parent:
7.1.1 In accordance with the prudential norms issued by
RBI, advances in India are classified into Standard,
Sub-Standard, Doubtful and Loss assets borrower-
wise.
7.1.2 Provisions are made for non performing advances as
under:
a) Sub Standard:
i) A general provision of 15% on the total
outstanding
ii) Additional provision of 10% for exposure which
are unsecured ab-initio (ie., where realizable
value of securities is not more than 10% ab-initio)
b) Doubtful category-1
i) 25 % for Secured portion.
ii) 100% for Unsecured portion.
c) Doubtful Category – 2
i) 40 % for Secured portion.
ii) 100% for Unsecured portion.
e) Doubtful category-3 and Loss advances – 100 %.
7.1.3 Provision is made for standard advances including
Restructured / Rescheduled standard advances as
per RBI directives.
7.1.4 In respect of foreign branches, income recognition,
asset classification and provisioning for loan losses
are made as per local requirement or as per RBI
prudential norms, whichever is more stringent.
Further, if an asset in the overseas books of the Bank
requires to be classified as NPA at any point of time in
terms of regulations issued by Reserve Bank of India,
then all the facilities granted by the bank to the
borrower and investment in all the securities issued
by the borrower will be classified as NPAs/NPIs.
H o w e v e r, a c c o u n t s c l a s s i f i e d a s N o n -
performing/Impaired assets (NPAs) by host
regulators for reasons other than record of recovery,
would be classified as NPAs at the time of
consolidating financial statements in India and
provided for, as required; whereas asset
classification of other credit exposures to the same
counterparties in other jurisdictions (including India)
will continue to be governed by the extant guidelines
in the respective jurisdictions.
7.1.5 Advances disclosed are net of provisions made for
non-performing assets, DICGC/ ECGC/ CGTMSE
claims received and held pending adjustment,
repayments received and kept in sundries account,
participation certificates, usance bills rediscounted
and provision in lieu of diminution in the fair value of
restructured accounts classified as standard assets.
8. FIXED ASSETS / DEPRECIATION Account. Depreciation relatable to revalued
component will be charged against revenue
8.1 Parent:
expenditure and an equivalent amount will be charged
8.1.1 Fixed assets are carried at cost / revalued amount straight away against revaluation reserve and credited
less accumulated depreciation / amortization to the revenue reserve, as per revised AS 10 issued by
ICAI.
8.1.2 Cost includes cost of purchase and all expenditure
such as site preparation, installation costs and 8.1.7 In respect of Assets where subsidy is received from
professional fees incurred on the asset before it is put Government, the same will be credited to the
to use. Subsequent expenditure(s) incurred on the respective asset account and depreciation will be
assets put to use are capitalized only when it charged accordingly.
increases the future economic benefits from such
8.1.8 Premium on leasehold land will be capitalized in the
assets on their functioning capacity.
year of acquisition and amortized over the period of
8.1.3 Depreciation on buildings (including cost of land lease.
wherever inseparable / not segregated) and other
8.1.9 Depreciation in respect of fixed assets at foreign
fixed assets in India will be provided for on the
branches will be provided as per the practice
straight-line method at the rates / useful life, as prevailing in the respective countries.
specified below:
8.1.10 In respect of Non-Banking Assets, no depreciation will
S Depreciation be charged.
Description of fixed assets
No. Rate /
Useful Life Subsidiary Companies :
1. Computers 33.33% every year 8.2 Indbank Merchant Banking Services Ltd :
2. Computer Software forming an 33.33% every year Fixed Assets are stated at historical cost less
integral part of the Computer accumulated depreciation & provision for
hardware impairment (if any). Leased assets (Contracted prior
3. Computer Software which does 33.33% every year to December 1997) are further adjusted for the
not form an integral part of balance in Lease adjustment account.
Computer hardware and cost of DEPRECIATION
Software Development
a) On Assets other than given on lease:
4. Automated Teller Machine/Cash 20.00% every year
Deposit Machine / Coin Vending In respect of assets other than assets given on lease,
Machine the company provides depreciation on the assets on
5. Servers 33.33% every year the Straight Line Method (SLM) based on the useful
life of the asset as prescribed in Schedule II to the
6. Network equipment 20.00% every year Companies Act, 2013, on pro-rata basis. Software
7. Other fixed assets Estimated useful life costs are amortised on SLM over a period of three
of major group of years, from the year of acquisition.
assets are as b) On Assets given on lease under discontinuing
under: operations:
Premises : 60 years
In respect of Assets given on lease under
Safes/Locker/Doors discontinuing operation, the Company provides
(Steel): 20 years depreciation on the assets in the WDV method on pro-
Vehicles : 5 years rata basis, the month in which the assets are installed
taken as full month. The cost of the Assets given on
Furniture and lease are amortised fully during the Lease period. {In
Fixtures : 10 years accordance with the Guidance note on Accounting for
Cell phones : 1 year Leases (revised) issued by the ICAI}. The difference
between the statutory depreciation and the annual
8.1.4 In respect of assets sold / acquired during the year, lease charge is adjusted through the Lease
depreciation will be charged on proportionate basis for Equalisation, which is adjusted with the lease income.
the number of days the assets have been put to use /
from the date of capitalization during the year. Ind Bank Housing Ltd :

8.1.5 Assets costing upto Rs 5000/- will be fully depreciated 8.3 Fixed Assets are capitalized at cost and or stated at
in the year of purchase. cost less deprecation. Depreciation is calculated on
written down value method at the rates prescribed in
8.1.6 The revalued asset will be depreciated over the Schedule II to the Companies Act, 2013.
balance useful life of the asset as assessed at the time
9. REVENUE RECOGNITION
of revaluation.
9.1 Parent :
The increase in Net Book Value of the asset due to
revaluation will be credited to the Revaluation Reserve 9.1.1 Income and expenditure are generally accounted for
Account without routing through the Profit and Loss on accrual basis, unless otherwise stated.

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9.1.2 Income from non-performing assets, Central
Government guaranteed assets (where it is overdue
beyond 90 days), dividend income, insurance claims,
commission on letters of credit / guarantees issued
(other than those relating to project finance), income
from wealth management, additional interest /
overdue charges on bills purchased, finance charges
on credit cards, income on Bank’s right to
recompense, AMC charges on debit cards are
accounted for on realisation basis and locker rent
received, income from Bancassurance products are
accounted on accrual basis.
9.1.3 In case of overdue foreign bills, interest and other
charges are recognised till the date of crystallisation
as per FEDAI guidelines.
Subsidiary Companies:
9.2 Indbank Merchant Banking Services Ltd
a. Issue Management Fee and fees for other
managerial services - Considered on the
completion of assignment.
b. Underwriting Commission and brokerage on
distribution of financial products – Considered on
receipt of subscription particulars.
c. Brokerages under stock broking operations are
accounted on completion of contracts.
d. Interest on overdue lease rentals and hire
purchase instalments are accounted for on receipt
basis. Since the outstanding amount is fully
provided for in the books of accounts, the amounts
received are adjusted towards the principal
outstanding and balance, if any, towards interest.
e. Dividend income is recognized when the right to
receive is established.
f. Annual Maintenance and transaction charges
under depository participant operations are
considered yearly and on completion of
transactions respectively.
9.3 Ind Bank Housing Ltd:
a) The Company follows National Housing Bank’s
Prudential Norms for recognition of Income and
Provisioning for Non-Performing Assets.
b) Repayment of housing loans is by way of Equated
Monthly Instalments (EMIs) comprising of
principal and interest. Interest is calculated every
half year on the opening balance at the beginning
of the respective half year/ year. EMI commences
once the entire loan is disbursed. Pending
commencement of EMI, pre-EMI interest payable
is recognized every month
10. CREDIT CARD REWARD POINTS
Reward points earned by card members on use of
Card facility is recognized as expenditure on such
use.
11. NET PROFIT / LOSS
The result disclosed in the Profit and Loss Account is
after considering:
Ÿ Provision for Non-Performing Advances and / or
Investments.
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Ÿ General provision on Standard Advances
Ÿ Provision for Restructured Advances
Ÿ Provision for Depreciation on Fixed Assets
Ÿ Provision for Depreciation on Investments
Ÿ Transfer to/ from Contingency Fund
Ÿ Provision for Direct taxes
Ÿ Provision for Unhedged Foreign Currency
Exposure
Ÿ Usual or/and other necessary provisions
12. STAFF RETIREMENT BENEFITS
Parent:
12.1.1 PROVIDENT FUND
Provident fund is a statutory obligation and in the case
of Contributory Provident Fund optees, the Bank pays
fixed contribution at pre-determined rates. The
obligation of the Bank is limited to such fixed
contribution. The contributions are charged to Profit
and Loss Account. The fund is managed by Indian
Bank Staff Provident Fund Trust.
12.1.2 GRATUITY
Gratuity liability is a statutory obligation as per Indian
Bank Employees’ Gratuity Fund Rules and
Regulations and is provided for on the basis of an
actuarial valuation made at the end of the financial
year. The gratuity liability is funded by the Bank and is
managed by Indian Bank Employees Gratuity Fund
Trust.
12.1.3 PENSION
a) Pension liability is a defined benefit obligation
under Indian Bank (Employees) Pension
Regulations 1995 and is provided for on the basis
of actuarial valuation, for the employees who have
joined Bank up to 31.03.2010 and opted for
pension.
b) New Pension Scheme (NPS) which is applicable
to employees who joined bank on or after
01.04.2010 and it is a defined contribution
scheme. Under NPS the Bank pays fixed
contribution at pre-determined rate and the
obligation of the Bank is limited to such fixed
contribution. The contribution is charged to Profit
and Loss Account.
12.1.4 COMPENSATED ABSENCES
Accumulating compensated absences such as
Privilege Leave and Sick Leave are provided for based
on actuarial valuation.
12.1.5 OTHER EMPLOYEE BENEFITS
Other Employee benefits such as Leave Fare
Concession and Additional Retirement Benefit on
Retirement are provided for based on actuarial
valuation. In respect of overseas branches and offices,
the benefits in respect of employees other than those
on deputation are valued and accounted for as per
laws prevailing in the respective territories.
Subsidiary Companies:
Indbank Merchant Banking Services Ltd
12.2 Short Term employee benefits / obligations are
estimated and provided for.
Gratuity – The Subsidiary has an obligation towards
gratuity, a defined benefit retirement plan covering
eligible employees. The plan provides for a lumpsum
payment to vested employees at retirement, death
while in employment or on termination of employment
of an amount equivalent to 15 days salary payable for
each completed year of service. Vesting occurs upon
completion of five years of service. Annual
contribution is made to gratuity fund established as a
Trust through a Group Gratuity Policy with Life
Insurance Corporation of India. The Company’s
liability towards Gratuity is actuarially determined as
at balance sheet date using the Projected Unit Credit
(PUC) method. Actuarial gains and losses are
recognized in revenue.
Provident Fund – The eligible employees are entitled
to receive benefits under Provident Fund, a defined
contribution plan in which both employees and the
employer make monthly contributions at a specified
percentage of the covered employees salary, the
contributions as specified under the law are paid to the
provident Fund and Pension Fund with Provident
Fund Authorities.
Leave encashment – The eligible Leave encashment
liability to the employees other than those deputed by
Indian Bank has been provided for on the basis of
actuarial valuation based on number of days
unutilised leave as at each balance sheet date.
The retirement benefit liability to staff on deputation
from Parent is borne by the Parent except eligible
Provident Fund contribution.
Ind bank Housing Ltd:
12.3 Contribution to Provident Funds is made to the
Regional Provident Fund Commissioner.
The Gratuity liability is covered by Trust formed under
the Group Gratuity Scheme. The trust has purchased
a Group Gratuity policy from LIC and the annual
premium is paid through the Trust.
Liability for leave encashment is provided for on
actuarial basis.
13. ACCOUNTING FOR LEASES
Lease payments including cost escalation for assets
taken on operating lease are recognized in the Profit
and Loss Account over the lease term or life whichever
is lower.
14. CONTINGENT LIABILITIES AND PROVISIONS
14.1 Contingent liability: Past events leading to, possible
or present obligations are recognised as contingent
liability in the following instances where:
(a) The existence of such obligations has not been
confirmed
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(b) no outflow of resources are required to settle such
obligations
(c) a reliable estimate of the amount of the obligations
cannot be made
(d) such amounts are not material
14.2 (a) Provision is recognized in case of present
obligations where a reliable estimate can be made
and/or where there are probable outflow of
resources embodying foregoing of economic
benefits to settle the obligations, excluding
frivolous claims.
(b) Provision for Market Risk, Country Risk, etc., are
made in terms of extant instructions of RBI.
(c) Floating provision as identified by the Bank
Management is provided for.
Floating provision may be utilized as per extant RBI
guidelines, for -
(i) Making specific provisions for non-performing
assets;
(ii) Meeting any shortfall in sale of non-performing
assets.
15. IMPAIRMENT OF ASSETS
Impairment losses, if any, on Fixed Assets (including
revalued assets) are recognized and charged to Profit
and Loss Account in accordance with the Accounting
Standard 28 “Impairment of Assets”. However, an
impairment loss on a revalued asset is recognized
directly against any revaluation surplus for the asset to
the extent that the impairment loss does not exceed
the amount held in the revaluation surplus for that
same asset.
16. TAXES ON INCOME
16.1 Provision for tax is made for both Current Tax and
Deferred Tax.
16.2 Current tax is measured at the amount expected to be
paid to the taxation authorities, using the applicable
tax rates, tax laws and favorable judicial
pronouncements / legal opinion.
16.3 Deferred Tax Assets and Liabilities arising on account
of timing differences and which are capable of
reversal in subsequent periods are recognized using
the tax rates and tax laws that have been enacted or
substantively enacted till the date of the Balance
Sheet. Deferred Tax Assets are not recognized unless
there is “virtual certainty” that sufficient future taxable
income will be available against which such deferred
tax assets will be realized.
17. Discontinuing Operations
In respect of Indbank Merchant Banking Services Ltd
accounting policies adopted for discontinued
operations are in line with the accounting policies
adopted for continuing operations.
 SCHEDULE 18
NOTES ON ACCOUNTS TO CONSOLIDATED FINANCIAL STATEMENTS (2021-22)

1. SUBSIDIARIES:
Sl.No. Name of the Subsidiary Proportion of Ownership
a Indbank Merchant Banking Services Ltd. 64.84%
b Ind Bank Housing Ltd 51.00%

2. ASSOCIATES:
Sl.No. Name of the Associate Shareholding Pattern
a Tamilnadu Grama Bank 35%
b Saptagiri Grameena Bank 35%
c Puduvai Bharathiar Grama Bank 35%

3. ACCOUNTING FOR INVESTMENT IN JOINT VENTURES (AS 27) (Amount  in crore)

Name of Entity Country/ Relationship Ownership Amount of
Residence interest shareholding
Universal Sampo General Insurance
Company Ltd India Joint Venture 28.52% 105.00
ASREC (India) Ltd India Joint Venture 38.26% 37.50

4. RECONCILIATION AND ADJUSTMENTS

PARENT:
a) Reconciliation of Inter Branch Account is completed up to 31.03.2022. The Bank through various effective steps has
achieved reduction in the old outstanding entries in IBGA. Adjustments of the remaining outstanding entries are in
progress. As per the Management, 5747 IBGA credit entries aggregating to Rs. 4.86 crores are outstanding pertaining
to period before 01.03.2009.
b) In view of the net credit position in respect of un-reconciled entries in the Inter Branch Account outstanding for more
than 6 months as on 31.03.2022, no provision is required.
c) Old outstanding entries, in drafts payable, clearing adjustment, sundries receivable, sundry deposit accounts, etc.
and in bank reconciliation relating to Reserve Bank of India and other banks are being regularly reviewed for
appropriate adjustments.
d) Balancing of subsidiary/ ledgers, registers and reconciliation with general ledgers are in progress at some branches.
In the opinion of the management, consequential financial impact of the above on the accounts will not be significant.

5. PROPERTY, PLANT AND EQUIPMENT (AS-10)

PARENT
5.1 The premises of the Bank include land and building are stated at revalued amount. The Bank revalued its premises in
the financial year 2021-22 as on 28.02.2022 at fair market value determined by the approved external valuers. There
is an increase of Rs. 599.48 Crore in the amount of revaluation of premises, which has been credited to “Revaluation
Reserve Account”.
For the year 2021-22, depreciation amounting to Rs.147.27 crores (Previous Year Rs.149.63 crore) was charged
under expenditure and depreciation on revalued portion amounting to Rs.143.42 Crore (previous year Rs.142.87
crore) is adjusted against the “Revaluation Reserve account.
5.2. Registration formalities are yet to be completed for the following properties: -

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 Premises include 9 (7+2*) properties Original costing .8.38 Crore (Previous year–9 (7+2*) Properties costing
Rs. 8.38 Crore), having original / revalued book value of Rs. 66.74 Crore (Previous year – Rs. 59.74 Crore), net of
depreciation at Rs. 1.46 Crore (Previous year – Rs. 1.40 Crore) for which registration formalities are pending.
* Property at Hyderabad costing Rs.1.61 Crore, where clearance is pending before ULC authority and at Chennai
Costing Rs.2.32 Crore, where interim stay has been granted by DRAT.
5.3 Draw Down from Reserves: (Amount  in crore)

Reserves Amount drawn Purpose

FY 2021-22 2020-21

Revaluation Reserve Rs. 143.42 Rs.142.87 Depreciation on revalued portion on Premises

The amount was credited to Revenue Reserve A/c as per the provisions of Accounting Standard 10.

6. COVID 19 Measures
The spread of COVID-19 across the globe has resulted in declined economic activity and increased volatility in financial
markets. In this situation, though the challenges continue to unfold, the Bank is gearing itself on all fronts to meet the same.
The situation continues to be uncertain and the Bank is evaluating the situation on an ongoing basis. The extent to which the
COVID-19 pandemic will impact the Bank’s results will depend on future developments, which are highly uncertain. Major
challenges for the Bank would be from extended working capital cycle and reduced cash flows. The Bank’s capital and
liquidity position is strong and would continue to be the focus area for the Bank during this period.

7. TAXATION
7.1 PARENT
Provision for Income Tax for the year
(Amount ` in crore)
Particulars 2021-22 2020-21
Provision for Taxation (Income Tax including Deferred Tax) -740.59 -99.10

The disputed income tax demand paid as at 31.03.2022 was `3953.36 Crore (previous year ` 3953.36 Crore). The same has also
been included under contingent liabilities relating to Income Tax of `9187.03 Crore (previous year `7584.17 Crore) relating to
disputed tax matters as at 31.03.2022. No provision is considered necessary for the said disputed demands on account of judicial
pronouncements and favorable decisions in Bank’s own case except in case of income relating to foreign branches for earlier
periods amounting to Rs.275 Crore for which Bank has provided during the current year.

7.2 SUBSIDIARY COMPANIES

7.2.1 INDBANK MERCHANT BANKING SERVICES LTD

a) Net provision of Rs.143.40 lakhs for tax has been made in the year.

b) No provision is made for the disputed demands of income tax keeping in view the judicial pronouncements and/or legal
opinion on the issues.

c) The provision for deferred tax (net) for the year is Rs.11.77 lakhs (Previous year Rs.70.49 lakhs) which has been charged to
profit & loss account.

d) Prior period taxes : Nil

7.2.2 INDBANK HOUSING LTD

a. The unabsorbed depreciation and carry forward losses eligible for set-off against future taxable income have not been
considered for deferred tax asset on the ground of virtual uncertainty.

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b. The Income Tax Department has sent a demand notice for  4.32 crores for the assessment year 1999-2000 including interest.
The demand is raised by considering the income on non-performing assets on accrual basis which, as per the NHB directives,
could not be recognized as income. The Company has contested the demand and the matter is pending before the Hon’ble
Madras High Court.

8. CONSOLIDATED CASH FLOW STATEMENT (AS-3)

(Amount ` in Crore)

Year Ended

Particular 31.03.2022 31.03.2021

Net Profit as per Profit and Loss Account 4144.19 3150.58

Add: Adjustments for :

Provision for NPA 8446.60 7318.39

Provision for Investment 453.75 427.68

Provision for Standard Assets 961.57 469.40

Provision for Tax (731.02) (90.38)

Other Provisions and Contingencies 3.81 279.65

Depreciation on Fixed Assets 600.86 636.90

Interest on Capital Instrument 749.59 643.98

Loss/(profit) on sale of land and buildings (3.05) 0.42

Income taxes paid (12.18) (19.72)

Operating Profit before working Capital Changes 14614.12 12816.90

Increase/Decrease in Operating Assets

(Increase) / Decrease in Investments 1337.08 (15380.42)

(Increase) / Decrease in Advances (34967.37) (30252.79)

(Increase) / Decrease in Other Assets 4947.50 (2161.93)

(28682.79) (47795.14)

Increase/Decrease in Operating Liabilities

Increase/(Decrease) in Deposits 55541.08 49525.72

Increase/(Decrease) in Borrowings (other than Capital Instruments) (7009.92) (6778.19)

Increase/(Decrease) in other liabilities (5712.16) 9461.63

42819.00 52209.16

Net cash generated from operations (A) 28750.33 17230.92

Cash flow from investing activities

Purchase of fixed assets (323.09) (560.44)

Sale of fixed assets 18.40 15.56

Net cash generated from Investing Activities (B) (304.69) (544.88)

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Cash flow from Financing activities
Payment of dividend (249.09) 0.00
Payment of distribution tax 0.00 0.00
Issue of AT-1 Bonds 0.00 2000.00
Issue of Tier -2 Bonds 0.00 2000.00
Redemtion of AT-1 Bonds 0.00 (500.00)
Redemtion of Tier-2 Bonds (600.00) (1000.00)
Interest on Capital Instrument (782.48) (631.94)
Capital Received towards Share 1650.00 0.00
Amount paid to e-AB Shareholder (for fraction part) 0.00 (2.51)
Net cash generated from financing activities ( C) 18.43 1865.55
Cash & Cash equivalents received on account of amalgamation (D) 0.00 21777.86
Net increase/(Decrease) in Cash & Cash equivalents (A)+(B)+(C)+(D) 28464.07 40329.45
Cash and Cash equivalents at the beginning of the year
Cash in hand (including foreign currency notes) 1658.38 1006.09
Balances with Reserve Bank of India - in current Account 25886.80 4730.04
Balances with Banks
(a) in current Accounts 116.03 8.86
(b) in other deposit accounts 2065.07 721.65
Money at Call and short notice with Banks 8900.00 2100.00
Balances with Banks outside India
(a) in current Accounts 1577.68 530.93
(b) in other deposit accounts 11270.83 2068.49
Money at call and short notice 29.36 8.64
51504.15 11174.70
Cash & Cash equivalents at the end of the year
Cash in hand (including foreign currency notes) 1962.45 1658.38
Balances with Reserve Bank of India - in current Account 22092.01 25886.80
Balances with Banks
(a) in current Accounts 30.64 116.03
(b) in other deposit accounts 1413.81 2065.07
Money at Call and short notice with Banks 34500.20 8900.00
Balances with Banks outside India
(a) in current Accounts 503.98 1577.68
(b) in other deposit accounts 19453.09 11270.83
Money at call and short notice 12.04 29.36
79968.22 51504.15
Difference in Opening and closing cash and cash equivalents 28464.07 40329.45

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9. EMPLOYEE BENEFITS (AS 15)
9.1. PARENT
9.1.1. Defined Contribution Plans:
Provident fund is a statutory obligation and in the case of Contributory Provident Fund Optees, the Bank pays fixed
contribution at pre-determined rates. The obligation of the Bank is limited to such fixed contribution. The contributions are
charged to Profit and Loss Account. The fund is managed by Indian Bank Staff Provident Fund Trust. During the financial
year 2021-22, the Bank has contributed 1.14 crores (previous year Rs.1.07 crores).
New Pension Scheme (NPS) is applicable to employees who joined bank on or after 01.04.2010 and it is a defined
contribution scheme. Under NPS the Bank pays fixed contribution at pre-determined rate and the obligation of the Bank is
limited to such fixed contribution. The contribution is charged to Profit and Loss Account. During the financial year 2021-22,
the Bank has contributed  255.18 crores (previous year  153.31 crores).
9.1.2. Defined Benefit Plans:
The summarized position of Post-employment benefits and long term employee benefits recognised in the Profit & Loss
Account and Balance Sheet as required in accordance with Accounting Standard – 15 (Revised) are as under:
The following table sets out the basis of the Defined Benefit Pension Plan and Gratuity Plan as per the actuarial valuation by
the independent Actuary appointed by the Bank

I. PRINCIPAL ACTUARIAL
ASSUMPTIONS 31/03/2022 31/03/2021
[Expressed as weighted averages]
Discount Rate 7.27% for Pension and Gratuity – 6.87% for Pension – 15 year G-Sec Paper
-G-Sec Rate 15 year G-Sec Paper 6.44% for Gratuity – 10 year G-Sec Paper
Salary escalation rate 6.00% (includes 0.50% for wage revision) 6.00% (includes 0.50% for wage revision)
Attrition rate 1.00% for Pension and 1.00% for Pension and
2.00% for Service Employees 2.00% for Service Employees
Expected rate of return on Plan Assets * 7.62% for Pension and 7.67% for Gratuity 6.89% for Pension and 6.86% for Gratuity
Method used Projected Unit Credit (PUC) actuarial Method Projected Unit Credit (PUC) actuarial Method

Note : *Expected Rate of return on Plan Assets not applicable for Leave encashment.
The estimates of future salary increases are considered taking into account inflation, seniority, promotion and other relevant factors,
such as supply and demand in the employment market and in tandem with Funding Guidelines for Superannuation Schemes
communicated by IBA. Such estimates are very long term and are not based on limited past experience / immediate future. Empirical
evidence also suggests that in very long term, consistent high salary growth rates are not possible.
The liabilities of leave encashment are unfunded.
(Amount ` in crore)
II. CHANGES IN THE PRESENT VALUE OF THE Pension Gratuity Leave
OBLIGATION (PVO) - RECONCILIATION OF Fund Encashment
OPENING AND CLOSING BALANCES: 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
PVO as at the beginning of the year 15319.48 13995.78 1848.22 1868.46 977.42 826.09
Interest Cost 1047.85 914.67 110.19 120.53 59.12 53.97
Current service cost 250.19 229.80 69.21 105.33 175.72 174.38
Past service cost – recognized / vested benefits 0.00 0.00 0.00 0.00 0.00 0.00
Past service cost – unrecognized / non-vested benefits 0.00 0.00 0.00 0.00 0.00 0.00
Benefits paid -1812.10 -1363.65 -274.20 -223.04 -284.86 -69.40
Actuarial loss/(gain) on obligation (balancing figure) 1741.31 1542.88 30.26 -23.06 77.35 -7.62
PVO as at the end of the year 16546.73 15319.48 1783.68 1848.22 1004.75 977.42

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 (Amount ` in crore)
III. CHANGES IN THE FAIR VALUE OF PLAN Pension Gratuity Leave
ASSETS -RECONCILIATION OF Fund Encashment
OPENING AND CLOSING BALANCES: 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Fair value of plan assets as at the beginning of the year 14961.61 13918.80 1897.26 1929.03 0.00 0.00
Expected return on plan assets 1132.00 1104.42 136.42 126.42 0.00 0.00
Contributions 1599.55 1495.93 36.86 50.70 284.86 215.94
Benefits paid -1812.10 -1363.65 -274.20 -223.04 -284.86 -215.94
Actuarial gain/(loss) on plan assets 12.57 -193.89 6.41 14.15 0.00 0.00
Fair value of plan assets as at the end of the year 15893.63 14961.61 1802.75 1897.26 0.00 0.00

(Amount ` in crore)
Pension Gratuity Leave
IV. ACTUAL RETURN ON PLAN ASSETS Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Expected return on plan assets 1132.00 1104.42 136.42 126.42 0.00 0.00
Actuarial gain / (loss) on plan assets 12.57 -193.89 6.41 14.15 0.00 0.00
Actual return on plan assets 1144.57 910.53 142.83 140.57 0.00 0.00

(Amount ` in crore)
Pension Gratuity Leave
V. ACTUARIAL GAIN / LOSS RECOGNISED Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Actuarial gain / (loss) for the year - Obligation -1741.31 -1542.88 -30.26 23.06 -77.35 7.62
Actuarial gain / (loss) for the year – due to financial
assumption changes in DBO 0.00 0.00 0.00 0.00 0.00 0.00
Actuarial gain / (loss) for the year- Plan Assets 12.57 -193.89 6.41 14.15 0.00 0.00
Total gain / (loss) for the year -1728.74 -1736.77 -23.85 37.21 -77.35 7.62
Actuarial gain/(loss) recognised in the year -1728.74 -1736.77 -23.85 37.21 -77.35 7.62
Unrecognised actuarial gain / (loss) at the end of the year 0.00 0.00 0.00 0.00 0.00 0.00
Actuarial gain / (loss) for the year - Obligation -1728.74 -1736.77 -23.85 37.21 -77.35 7.62

(Amount ` in crore)
Pension Gratuity Leave
VI. AMOUNTS RECOGNISED IN THE BALANCE
Fund Encashment
SHEET AND RELATED ANALYSIS
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Present value of the obligation 16546.73 15319.48 1783.68 1848.22 1004.75 977.42
Fair value of plan assets 15893.63 14961.61 1802.75 1897.26 0 0
Difference - Net (Liability) / Asset recognized in Balance Sheet -653.10* -357.87 19.07 49.04 1004.75 977.42
Unrecognised transitional liability 0.00 0.00 0.00 0.00 0.00 0.00
Unrecognised past service cost 0.00 0.00 0.00 0.00 0.00 0.00
Liability recognised in the balance sheet -653.10* -357.87 19.07 49.04 1004.75 977.42
*Provision on account of change in family pension rules is included

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 (Amount ` in crore)

VII. EXPENSES RECOGNISED IN THE STATEMENT Pension Gratuity Leave

OF PROFIT AND LOSS: Fund Encashment
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Current service cost 250.19 229.79 69.21 105.33 175.72 174.38
Interest Cost 1047.85 914.67 110.19 120.53 59.12 53.97
Expected return on plan assets -1132.00 -1104.42 -136.42 -126.42 0 0
Net actuarial (gain)/loss recognised in the year 1728.74 1736.77 23.85 -37.21 77.35 -7.62
Transitional Liability recognised in the year 0.00 0.00 0.00 0.00 0.00 0.00
Past service cost - recognised 0.00 0.00 0.00 0.00 0.00 0.00

Expenses recognised in the statement of profit and loss 1894.78 1776.82 66.83 62.23 312.19 220.73

(Amount ` in crore)
Pension Gratuity Leave
VIII. MOVEMENTS IN THE LIABILITY RECOGNISED
Fund Encashment
IN THE BALANCE SHEET
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Opening net liability -357.87 -76.98 49.04 60.57 -977.42 -826.09
Expense as above -1894.78 -1776.82 -66.83 -62.23 -312.19 -220.73
Contribution paid 1599.55 1495.93 36.86 50.70 284.86 69.40
Closing net liability -653.10 -357.87 19.07 49.04 -1004.75 -977.42

(Amount ` in crore)
IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended
ASSETS/LIABILITIES
(i) Previous Years 2017-22 - Pension 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 5925.15 6245.89 6520.32 6801.96 15319.48 16546.73
Plan Assets 5841.36 6146.80 6418.93 6697.41 14961.61 15893.63
Surplus/ (Deficit) -83.79 -99.09 -101.39 -104.55 -357.87 -653.10
Experience adjustments on plan liabilities- (loss) / gain -626.82 -704.39 -335.65 -449.25 -1542.88 -1741.31
Experience adjustments on plan assets- (loss) / gain 27.73 10.93 -8.58 13.32 -193.89 12.57

(Amount ` in crore)
IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended
ASSETS/LIABILITIES
(ii) Previous Years 2017-22 - Gratuity 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 900.90 964.99 923.85 928.98 1848.22 1783.68
Plan Assets 876.81 932.55 910.66 896.40 1897.26 1802.75
Surplus/ (Deficit) -24.09 -32.44 -13.19 -32.58 49.04 19.07
Experience adjustments on plan liabilities- (loss) / gain -87.34 -36.20 -2.11 -61.22 23.06 107.08
Experience adjustments on plan assets- (loss) / gain -1.36 22.12 -0.38 2.71 14.15 6.41

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 (Amount ` in crore)
IX. EXPERIENCE ADJUSTMENTS ON PLAN Year Ended
ASSETS/LIABILITIES
(iii) Previous Years 2017-22- Leave Encashment 31-03-2017 31.03.2018 31.03.2019 31.03.2020 31.03.2021 31.03.2022
Present Value of obligation 171.21 179.51 188.21 210.29 977.42 1004.75
Plan Assets 0.00 0.00 0.00 0.00 0.00 0.00
Surplus/ (Deficit) -171.21 -179.51 -188.21 -210.29 -977.42 -1004.75
Experience adjustments on plan liabilities- (loss) / gain -3.01 10.18 7.58 17.71 7.62 -77.35
Experience adjustments on plan assets- (loss) / gain 0.00 0.00 0.00 0.00 0.00 0.00

X. MAJOR CATEGORIES OF PLAN ASSETS 2021-2022 2020-2021

(AS PERCENTAGE OF TOTAL PLAN ASSETS)
Pension Gratuity Pension Gratuity
Fund Fund Fund Fund
Government of India Securities and State Government Securities 32.38% 23.42% 36.76% 28.00%
High Quality Corporate Bonds /PSU BONDS 13.42% 12.21% 15.64% 12.98%
Special Deposit Scheme 0.06% 0.04% 0.06% 0.00%
Funds managed by Insurer 53.98% 64.11% 47.21% 58.60%
Private Sector Bonds 0.16% 0.22% 0.33% 0.42%
Money Market - -
Total 100.00% 100.00% 100.00% 100.00%
(Amount ` in crore)
XI. CONTRIBUTION DURING NEXT YEAR Pension Gratuity Earned
Fund Fund Leave
Enterprise’s best estimate of contribution during next year 1300 50 300

9.1.3 Other Long Term Employee Benefits

Amount of  48.43 crore (previous year ` 50.12 crore) has been provided towards Long Term Employee Benefits as per the actuarial
valuation by the independent Actuary appointed by the Bank and is included under the head “Payments to and Provisions for
Employees” in Profit and Loss Account.
Details of additional Provisions made / (written back) for various long Term Employee Benefits during the year
(Amount of  in crore)
No. Long Term Employee Benefits 2021-22 2020-21
1 Sick Leave 1.84 15.28
2 Casual Leave 0.09 0.16
3 Leave Travel Concession 46.50 34.68
Total 48.43 50.12

Long Term Employee Benefits Opening balance Expenditure Addition Closing Balance
No.
01.04.2021 2021-22 2021-22 31.03.2022
1 Sick Leave 22.66 3.04 4.87 24.49
2 Casual Leave 0.87 0.38 0.48 0.97
3 Leave Travel Concession 69.92 32.75 46.50 83.67
Total 93.45 36.17 51.85 109.13
Note: Disclosures included are limited to the extent of information provided by the Actuary.

9.2 SUBSIDIARY COMPANIES

9.2.1 INDBANK MERCHANT BANKING SERVICES LTD
Defined Contribution Plan
Contribution to Defined Contribution Plan, recognized as expense for the year are as under: (Amount in )
Details 2021-22 2020-21 2019-20
Employer’s contribution to Provident Fund 4763140 4503279 3956245

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Defined Benefit Plan
I) Reconciliation of opening and closing balances of Defined benefit obligation (Amount in )
Details Gratuity Leave Encashment
(Funded) (Unfunded)
2021-22 2020-21 2021-22 2020-21
Defined benefit obligation at the beginning of the year 15294514 14477169 9559705 9175621
Current service cost 1336060 1245412 453039 418454
Interest cost 1014041 915972 632013 588067
Actuarial (gain)/ loss 1476701 (104445) 2433748 (64441)
Benefits paid (895281) (1239594) (612432) (557996)
Settlement cost - - - -
Defined benefit obligation at the year end 18226005 15294514 12466073 9559705
II) Reconciliation of opening and closing balances of fair value of plan assets (Amount in )
Details Gratuity (Funded)
2021-22 2020-21
Fair value of plan assets at the beginning of the year 15598048 11607030
Expected return on plan assets (1139501) 867210
Contributions 3066712 4264874
Actuarial (gain)/ loss (23,223) 98528
Benefits paid (895281) (1239594)
Settlement cost - -
Fair value of plan assets at year end 16606755 15598048
Actual return on plan assets 1499924 (202973)
III) Reconciliation of fair value of assets and obligations
(Amount in )
Details Gratuity Leave Encashment
(Funded) (Unfunded)
2021-22 2020-21 2021-22 2020-21
Fair value of plan assets 18226005 15294514 - -
Present value of obligation 16606755 15598048 12466073 9559705
Amount recognized in Balance Sheet (1619250) 303534 (12466073) (9559705)
IV) Expense recognized during the year
(Amount in )
Details Gratuity Leave Encashment
(Funded) (Unfunded)
2021-22 2020-21 2021-22 2020-21
Current Service Cost 1336030 1245412 453039 418454
Interest Cost 1014041 915972 632013 588067
Expected return on plan assets 1139501 867210 - -
Actuarial (gain) / loss 1499924 (202973) 2433748 (64441)
Net Cost 2710494 1091201 12466073 9559705
V) Actuarial assumptions
Details Gratuity (Funded) Leave Encashment (Unfunded)
2021-22 2020-21 2021-22 2020-21
Mortality Table (LIC) 2012-14 2012-14 2012-14 2012-14
(Ultimate) (Ultimate) (Ultimate) (Ultimate)
Discount rate (per annum) 6.99% 6.83% 6.99% 6.83%
Expected rate of return (per annum) 6.99% 6.61% - -
Rate of escalation of salary (per annum) 5.00% 5.00% 5.00% 5.00%
Attrition Rate 7.00% 7.00% 7.00% 7.00%

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The estimates of rate of escalation in salary considered in actuarial valuation, taking into account inflation, seniority, promotion and
other relevant factors including supply and demand in the employment market. The expected rate of return is determined considering
several applicable factors, mainly the composition of plan assets held, assessed risks, historical results of return on plan assets and
the company’s policy for plan assets management. The retirement benefit liability in respect of staff on deputation from Indian Bank is
borne by Indian Bank.
The company has contributed Rs.29.54 Lakhs (previous year- Rs.23.53 lakhs) towards Gratuity liability in the year 2021-22
9.2.2. INDBANK HOUSING LTD
Company’s obligation towards Gratuity Fund and details of actuarial valuation: (Amount in )
1 Total past service gratuity NIL

2 Actuarial value past service gratuity NIL

3 Gratuity Fund with LIC NIL

4 Contribution payable to LIC NIL

5 Contribution paid during the year NIL

6 Balance payable NIL

7 Risk premium and service tax paid NIL

8 Assumptions Discounting rate Projections of salary increase NA

10. SEGMENT REPORTING (CONSOLIDATED) (AS 17)

10.1. Segment Identification
I. Primary (Business Segment)
The following are the primary segments of the Bank:-
- Treasury
- Corporate / Wholesale Banking
- Retail Banking
- Other Banking Business.
The present accounting and information system of the Bank does not support capturing and extraction of the data in respect of
the above segments separately. However, based on the present internal, organisational and management reporting structure
and the nature of their risk and returns, the data on the primary segments have been computed as under:
i. Treasury -
The Treasury Segment includes the entire investment portfolio and trading in foreign exchange contracts and derivative
contracts. The revenue of the treasury segment primarily consists of fees and gains or losses from trading operations
and interest income on the investment portfolio.
ii. Corporate / Wholesale Banking –
The Corporate / Wholesale Banking segment comprises the lending activities of Corporate Accounts Group,
Commercial Clients Group and Stressed Assets Resolution Group. These include providing loans and transaction
services to corporate and institutional clients and further include non-treasury operations of foreign offices.
iii. Retail Banking –
The Retail Banking Segment comprises of retail branches, which primarily includes Personal Banking activities
including lending activities to corporate customers having banking relations with these branches. This segment also
includes agency business and ATMs.
iv. Other Banking business —
Segments not classified under (i) to (iii) above are classified under this primary segment.

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II. Secondary (Geographical Segment)
i. Domestic Operations - Branches / Offices having operations in India
ii. Foreign Operations - Branches / Offices having operations outside India and offshore banking units having operations in
India
III. Allocation of Expenses, Assets and Liabilities
Expenses incurred at Corporate Centre establishments directly attributable either to Corporate / Wholesale and Retail
Banking Operations or to Treasury Operations segment, are allocated accordingly. Expenses not directly attributable are
allocated on the basis of the ratio of segment assets in each segment/ratio of directly attributable expenses. The Bank has
certain common assets and liabilities, which cannot be attributed to any segment, and the same are treated as unallocated.

10.2. Consolidated Segment Information (Amount ` in crore)

Part A Business Segments
Corporate/
Other Banking
Treasury Wholesale Retail Banking Total
operations
Banking
2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Revenue 13767.26 13573.27 16082.40 17708.42 15415.12 13021.62 1003.37 916.17 46268.15 45219.48
Result 6355.67 5775.50 3079.29 2843.03 2938.78 2084.26 411.62 288.61 12785.36 10991.40
Unallocated
expenses 9 522.49 8 066.06
Operating profit 3 262.87 2 925.34
Minority interest 2.38 1.43
Other unallocable
income 150.30 134.86
Income Taxes (731.02) (90.38)
Exceptional
Item 0.00 0.00
Net Profit 4141.81 3149.15
Other information
Segment Assets 2 40 001.83 2 09 281.25 2 15 377.81 2 33 418.56 2 06 008.16 171 257.10 2 382.36 2 071.68 663770.16 616028.59
Unallocated
assets 10326.27 9506.58
Total assets 674096.43 625535.17
Segment 2 24 383.64 1 96 386.55 2 01 362.03 2 19 036.66 1 92 602.11 160 705.23 1 185.25 1 059.97 619533.03 577188.41
Liabilities
Unallocated
liabilities 9611.47 8888.69
Capital reserves
& Surplus 44951.93 39458.07
Total liabilities 674 096.43 625 535.17

Part B Geographic Segments

Domestic International Total

2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Revenue 45960.46 44892.23 307.69 327.25 46268.15 45219.48
Assets 652421.69 611117.34 21674.74 14417.83 674096.43 625535.17
Segment Revenue and expenses have been apportioned on the basis of segment assets, wherever direct allocation is not possible.
Previous year figures were re-grouped wherever necessary.

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11. RELATED PARTY DISCLOSURES (AS 18)

11.1 PARENT

Key Managerial Personnel:

Name Designation Date of Appointment Date of cessation

Ms. Padmaja Chunduru Ex. Managing Director & Chief Executive Officer 21.09.2018 01.09.2021

Shri Shanti Lal Jain Managing Director & Chief Executive Officer 01.09.2021

Shri Shenoy Vishwanath V Executive Director 01.12.2018 01.04.2022

Shri . K Ramachandran Ex. Executive Director 01.04.2020 01.07.2021

Shri Imran Amin Siddiqui Executive Director 10.03.2021

Shri Ashwani Kumar Executive Director 21.10.2021

Shareholding of non-executive Directors:

Sl. No. Name Designation No. of Shares held

1 Dr. Bharath Krishna Sankar Shareholder Director 300
2 Ms. Papia Sengupta Shareholder Director 200
Related Party Transaction are as under:
Remuneration paid to key Management personnel during the Year `172.37 lakhs (Previous- Year `102.52 lakhs)

Details 2021-2022 2020-2021

Ms. Padmaja Chunduru, Ex-MD & CEO

Salary & Emoluments Paid ( 01.04.2021 to 31.08.2021)  40.30 lakhs  30.46 lakhs

Shri Shanti Lal Jain MD& CEO

Salary & Emoluments Paid ( 01.09.2021 to 31.03.2022)  20.27 lakhs --

Shri M K Bhattacharaya, Ex-Executive Director

Salary & Emoluments Paid (01.04.2020 to 30.11.2020) --  18.16 lakhs

Shri Shenoy Vishwanath V., Executive Director

Salary & Emoluments Paid (01.04.2021 to 31.03.2022)  32.76 lakhs  26.22 lakhs

Shri K. Ramachandran, Ex-Executive Director

Salary & Emoluments Paid (01.04.2021 to 30.06.2021)  30.19 lakhs  26.21 lakhs

Shri Imran Amin Siddiqui, Executive Director

Salary & Emoluments Paid (01.04.2021 to 31.03.2022)  30.00 lakhs 1.47 lakhs

Shri Ashwani Kumar, Executive Director

Salary & Emoluments Paid (01.10.2021 to 31.03.2022)  18.85 lakhs* --

*Including House Rent Allowance of Rs. 5.11 lakh.

Other disclosures pertaining to related parties are as under (Amount ` in Lakh)

Items / Related Parent (as per ownership or control) Joint Ventures Total
Rendering of services 1528.82* 26.16 1528.82*
Receiving of services 26.16 1528.82* 26.16
*Includes commission income of Rs.1384.52 lakhs from Bank’s JV, Universal Sompo General Insurance Co.Ltd., pertaining to
insurance policies of Indian Bank.
No disclosure is required in respect of related parties, which are “State-controlled Enterprises” as per paragraph 9 of Accounting
Standard (AS) 18. Further, in terms of paragraph 5 of AS 18, transactions under Banker-Customer relationship have not been
disclosed including those with Key Management Personnel and relatives of Key Management Personnel.
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11.2 SUBSIDIARY COMPANIES

11.2.1 INDBANK MERCHANT BANKING SERVICES LTD

Key Managerial Personnel:

Managerial Remuneration: (Amount ` in lakhs)

Name Designation 2021-22 2020-21

Mr SeshaSai P L V K President & Whole Time Director Salary - 3.96

(Upto 27.06.2020) Contribution to PF - 0.20

Mr. V Haribabu President & Whole Time/CFO Director Salary 12.74 -

(From 28.02.2022/03.09.2021) Contribution to PF 0.73 -

Mr. A Rajaraman President & Whole Time Director Salary 13.70 10.60

(Upto 30.11.2021) Contribution to PF 0.86 0.73

Mr. U Rajkumar Vice President & CFO (Upto 02.09.2021) Salary 4.65 10.40

Contribution to PF 0.35 0.79

Mrs. Chitra M A Company Secretary & Compliance Officer Salary 2.20 -

(From 29.01.2022) Contribution to PF 0.24 -

Mr. V Balamurugan Company Secretary & Compliance Officer Salary 6.88 6.62

(Upto 28.01.2022) Contribution to PF 0.72 0.81

Sitting Fees paid to Non Whole Time Independent Directors 4.68 2.74

President and Whole Time Director of the Company is on deputation from Indian Bank and the remuneration is in accordance with
the service rules of the said Bank and also in terms of appointment as ‘Whole Time Director’ by the shareholders of the Company.

Vice President and CFO of the Company is on deputation from Indian Bank and the remuneration is in accordance with the service
rules of the said Bank.

Company Secretary & Compliance Officer has been recruited directly by the company and the remuneration is in accordance with
the terms of offer of employment given by the company.
11.2.2 IND BANK HOUSING LTD.
Managing Director of the Company is on deputation from Indian Bank and is drawing remuneration from Ind Bank Merchant Banking
Services Ltd. as President of that Company. Hence no remuneration is paid by this Company.
Other related parties are State controlled Enterprises and hence no disclosures are required as per paragraph 9 of AS 18. Further, in
terms of paragraph 5 of AS 18, transactions in the nature of banker-customer relationship are not required to be disclosed.
12. LEASES (AS 19)
12.1 PARENT
a) The properties taken on lease / rental basis are renewable / cancellable at the option of the Bank.
b) The leases entered into by the Bank are for agreed period with an option to terminate the leases even during the currency of
lease period by giving agreed calendar month notice in writing.
c) Lease rent paid for operating leases are recognized as an expense in the Profit & Loss account in the year to which it relates.
The lease rent recognized during the year is Rs.417.00 Crore. (Previous year Rs.440.41 Cr).
d) Finance Lease
An asset acquired on finance lease comprises plant and equipment and land. The leases have a primary period, which is fixed
and non-cancellable. The Bank has an option to renew the lease for a secondary period.

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The minimum lease rentals and the present value of minimum lease payments in respect of assets acquired under finance lease are
as follows:

Minimum lease payments Present value of minimum lease payments

Particulars As at As at As at As at
st
31 March 2022 31st March 2021 31st March 2022 31st March 2021
Payable not later than 1 Year 0 0 0 0
Payable later than 1 year and
not later than 5years 0 0 0 0
Payable later than 5 Years 0 0 0 0
Total 0 0 0 0
Less:Future finance charges
Present value of
minimum lease payments 0 0 0 0

12.2 SUBSIDIARY COMPANIES

12.2.1 INDBANK MERCHANT BANKING SERVICES LTD
In case of assets taken on lease
The company has operating leases for office premises at various locations with the Parent. The future minimum payments required
under non-cancellable operating leases at year-end are as follows: ( in lakhs)
Details As on 31.03.2022 As on 31.03.2021
Lease payments for the year 21.71 24.59
Minimum Lease payments: Not later than one year 0.00 0.00
Later than one year but not later than five years 0.00 0.00
Later than five years 0.00 0.00

13. EARNINGS PER SHARE (AS 20)

Particulars 2021-22 2020-21
Net Profit after tax available for equity shareholders ( in crore) 4141.81 3149.15
Number of Equity Shares 1245441139 1129366570
Weighted Number of equity shares 1218410075 1129366570
Basic Earning Per Share (in ) 33.99 27.88
Diluted Earning Per Share (in ) 33.99 27.88
Nominal value per Equity Share (in ) 10.00 10.00

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14. CONSOLIDATED FINANCIAL STATEMENT (AS 21)

The consolidated financial statements are prepared in accordance with the Accounting Standard (AS 21), “Consolidated Financial
Statements” issued by the Institute of Chartered Accountants of India (ICAI) and the guidelines issued by the Reserve Bank of India
on preparation of Consolidated Financial Statements.

The consolidated financial statements are based on the audited financial statements of Indian Bank (parent) and audited financial
statements of its subsidiaries, viz., (1) Indbank Housing Ltd. and (2) Indbank Merchant Banking Services Ltd.

Consolidated figures as on 31.03.2022 includes 74.95 crores being share of the audited profit of two Associates viz, M/s Puduvai
Bharathiar Grama Bank and M/s Sapthagiri Grameena Bank and 75.36 Crore being of share unaudited profit of M/s Tamilnadu
Grama Bank, 43.80 Crores being the share in unaudited profit of two joint ventures viz. 1) Universal Sompo General Insurance
Company Ltd. and 2) ASREC (India) Ltd

15. ACCOUNTING FOR TAXES ON INCOME (AS 22)

15.1 PARENT

15.1.1 Current Tax-

Current Tax: During the current year, considering the accumulated losses of erstwhile Allahabad Bank, Bank has not created
provision for income tax for domestic operations for the current year. Provision for income tax made in foreign branches amounting to
Rs. 12.85 Crore during the current year. Provision for tax on foreign branches relating to earlier years made in the current year
amounts to Rs. 275 Crores. The current tax has been calculated in accordance with the provisions of Income Tax Act 1961.

15.1.2 Deferred Tax

The Bank has a net DTA of Rs.3872.91 Crore (Previous year net DTA of Rs. 2844.49 Crore), which comprises of Deferred Tax
Liabilities (DTL) of Rs. 977.15 Crore (Previous Year Rs. 949.89 Crore) included under ‘Other liabilities and Provisions’ and
Deferred Tax Assets (DTA) of Rs.4850.06 Crore (Previous Year Rs.3794.38 Crore) included under ‘Other Assets.

The major components of Deferred Tax Assets (DTA) / Deferred Tax Liabilities (DTL) are: (` in Crore)
Sl.No. Particulars 31.03.2022 31.03.2021
Deferred Tax Assets
1 Liabilities provision allowable on payment /crystallisation 219.35 208.53
2 FCTR (Foreign Currency Translation Reserve) 99.08 105.29
3 Provision for Gratuity 0.06 0.09
4 Provision for Bad Debts 3856.25 3076.11
5 Provision for restructured assts, AQR, S4A, Stressed Assets 588.06 328.67
6 Depreciation on Fixed Assets 87.26 75.69
Total DTA 4850.06 3794.38
Deferred Tax Liabilities
1 Depreciation on Fixed Assets 44.40 44.41
2 Provision for written off accounts 363.15 363.15
3 Staff welfare retrieval 4.11 4.11
4 Special Reserves u/s 36(1)(viii) 565.49 538.22
Total DTL 977.15 949.89
Net DTA / (DTL) 3872.91 2844.49

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15.2 SUBSIDIARY COMPANIES
15.2.1 INDBANK MERCHANT BANKING SERVICES LTD :
The major components of deferred tax asset/liability are as below: (Amount in )

Deferred Tax
As on 31.03.2022 As on 31.03.2021
Asset Liability Asset Liability
i) Timing difference in depreciable assets 9355398 14848304
ii) Provision for Bad debts and NPAs 36142094 44029302
iii) Others 3661463 2444273
Total 39803557 9355398 46473575 14848304
NET DTA / (DTL) 30448159 31625271

16. DISCLOSURE REQUIREMENTS UNDER AS 24–DISCONTINUED OPERATIONS

16.1 SUBSIDIARY COMPANIES

16.1.1 INDBANK MERCHANT BANKING SERVICES LTD

Information reported to the Chief Operating Decision Maker (CODM - Board of Directors) for the purposes of resource allocation and
assessment of segment performance focuses on the Company as a whole. Hence, the management has concluded that the
Company has only one segment.

The Company had discontinued fund-based activities consequent to SEBI regulations coming into force with effect from December
1997 and had decided to undertake only fee-based activities. The existing fund based exposures as on December 1997 are
continued to run down to their contracted period. The Company had obtained cancellation of registration as NBFC from RBI
consequent to repayment of fixed deposits and transfer of unclaimed fixed deposits to IEPF.

17. SUBSIDIARY COMPANIES:

17.1 INDBANK MERCHANT BANKING SERVICES LTD

Indian Bank, the parent Bank, had approved a moratorium period of 3 years from September 2013 to September 2016 for repayment
of the amount of Rs. 897.48 lakhs payable to them under the Right of Recompense clause with repayment of Rs. 75 lakhs per half
year to commence from the half year ending 31.03.2017 without any interest charge for the period of moratorium/repayment.
Accordingly the company has repaid Rs.750 lakhs to Indian Bank upto the half year ended 31.03.2022 as per the terms approved by
the parent bank

18. BANCASSURANCE BUSINESS

PARENT

During the current year, the Bank has earned commission, etc, to the extent of Rs.85.01 Crore on sale/marketing of various
Bancassurance products / Mutual Funds (previous year Rs.63.98 Crore). (Amount  in Crore)

Sl No. Nature of Income 2021-22 2020-21

1 For Selling Life Insurance Policies 56.22 38.44

2 For selling Non-life insurance policies 26.42 24.56

3 Others – For selling Mutual Fund Products 2.37 0.98

Total 85.01 63.98

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19. ADDITIONAL DISCLOSURES
PARENT :

a) Inter- Bank/Company balances between group entities are being reconciled on an ongoing basis. No material effect is
expected on the profit and loss account of the current year of such reconciliation.

b) In accordance with current RBI guidelines, the general clarification issued by ICAI has been considered in the preparation of
the consolidated financial statements. Accordingly, additional statutory information disclosed in separate financial statements
of the parent and its 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 Accounting Standard Interpretation issued by ICAI.

c) As per information available with the Bank, there is no outstanding dues payable by the Bank to MSME units identified by the
Bank, which is pending beyond the time limit prescribed under MSMED Act, 2006 and there have been no reported cases of
accepted liability of delayed payments of principal amount or interest thereon for such parties during the year

20. Previous year’s figures have been regrouped / reclassified, wherever necessary, to confirm to current year’s
classification

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 INDEPENDENT AUDITORS’ REPORT
To

The Members of Indian Bank

Report on Audit of the Consolidated Financial Statements

Opinion

1. We have audited the accompanying Consolidated Financial Statements of Indian Bank (hereinafter referred to as
“Parent/Bank”) which comprise consolidated Balance Sheet as at March 31, 2022, the consolidated Statement of Profit and
Loss, the consolidated Cash Flows Statement for the year then ended, and notes to the Consolidated Financial Statements,
including a summary of significant accounting policies and other explanatory information (hereinafter referred to as “the
Consolidated Financial Statements”) which includes:-

a) Audited Statements of the Bank which have been audited by us;

b) Audited Statements of 2 Subsidiaries and 2 Associates audited by other Auditors; and

c) Un-audited Statements of 2 Joint Ventures and 1 Associate.

The above entities a), b) & c) together are referred to as the 'Group'.

In our opinion and to the best of our information and according to the explanations given to us and based on our consideration
of the reports of other auditors on Separate Financial Statements and other financial information of Subsidiaries and
Associates and the unaudited Separate Financial Statements and other financial information of Joint Venture and Associate as
furnished by the management, the aforesaid Consolidated Financial Statements are in conformity with accounting principles
generally accepted in India and give a:

a. true and fair view in case of the Consolidated Balance Sheet, read with the notes thereon, of the state of affairs of the
Group as at March 31, 2022;

b. true balance of profit in case of the Consolidated Statement of Profit and Loss for the year ended on that date and

c. true and fair view in case of Consolidated Cash Flow Statement for the year ended on that date.

Basis for Opinion

2. We conducted our audit in accordance with the Standards on Auditing (SAs) issued by ICAI. Our responsibilities under those
Standards are further described in the Auditor's Responsibilities for the Audit of the Consolidated Financial Statements section
of our report. We are independent of the Group in accordance with the code of ethics issued by the ICAI together with ethical
requirements that are relevant to our audit of the Consolidated Financial Statements under the provisions of the Act, 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.

Emphasis of Matter:

We draw attention to:

3. Note No. 6 of the Schedule 18 of Consolidated Financial Statement on the impact of uncertainties caused by COVID 19 on the
future business and financial results and Management's assessment of the same in the prevailing situation. The Management
is in the process of evaluating the effect of the uncertainties on an ongoing basis with reference to challenges under the
prevailing uncertainties.

Our report is not modified in respect of above matters.

Key Audit Matters

4. Key Audit Matters are those matters that in our professional judgment were of most significance in our audit of the Consolidated
Financial Statements for the year ended March 31, 2022. These matters were addressed in the context of our audit of the
Consolidated 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:

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Sr.
Key Audit Matter How was the Key Audit Matter addressed in the Audit
No.
In respect of Bank

1 C l a s s i f i c a t i o n o f A d v a n c e s , I n c o m e Tests of control
Recognition, Identification of and provisioning
for non-performing Advances. Assessing the design, implementation and operating effectiveness of
Key internal controls over approval, recording and monitoring of loans,
The net advances of the Bank constitute 57.73% of monitoring process of overdue loans, measurement of provisions,
the total assets of the Group, which is the significant identification of NPA accounts and corresponding reversal of income,
part of the Consolidated Financial Statements and assessing the reliability of management information (including
overdue reports).
The Reserve Bank of India's (“RBI”) guidelines on
Income recognition and asset classification Substantive tests.
(“IRAC”) prescribe the prudential norms for
identification and classification of non-performing A sample of loan accounts that included large/stressed advances and
assets (“NPA”) and the minimum provision required some other advances on sample basis was taken in the top branches
for such assets. allocated to us, and in such samples we conducted the following checks:

Identification of performing and non-performing Ÿ The accuracy of the data input in the system for income recognition
Advances involves establishment of proper and identification as performing or non performing advances.
mechanism. The Bank accounts for all the Ÿ In the performing advances selected, assessed independently
transactions related to Advances in its Information whether the classification was correctly done
Technology Systems (IT Systems) which also
identifies whether the advances are performing or Ÿ Reviewed the financial statements, collateral valuation and other
non performing, NPA classification and calculation qualitative information available about these parties.
of provision.
Ÿ Test of details over calculation of NPA provisions and reversal of
The carrying value of these advances (net of income in line with IRAC norms.
provisions) may be materially misstated if, either
Ÿ Checked the borrower wise NPA identification determined by the
individually or in aggregate, the IRAC norms are not
bank to ensure compliance with RBI guidelines.
properly followed.
Ÿ Checked the provisions on standard advances for various
Considering the nature of the transactions,
categories of loans, to ensure compliance with RBI norms.
regulatory requirements, existing business
environment, estimation/ judgement involved in Ÿ Existence and effectiveness of monitoring mechanisms such as
valuation of securities, it is a matter of high internal audit, concurrent audit, systems audit etc in monitoring and
importance for the intended users of the timely reporting of NPA's.
Consolidated Financial Statements and hence we
have ascertained identification and provisioning for Ÿ Reliance is also placed on audit reports of other Statutory branch
NPAs as a key audit matter. auditors, which we have scrutinised and considered relevant
observations.

2. Classification and Valuation of Investments, Our audit approach towards Investments with reference to the RBI
Identification of and provisioning for Non- Circulars / directives included the review and testing of the design,
Performing Investments operating effectiveness of internal controls and substantive audit
procedures in relation to valuation, classification, identification of Non -
Ÿ Investments include investments made by the
Performing Investments, Provisioning / depreciation related to
Bank in various Government Securities, Bonds, Investments. In particular,
Debenture, Shares, Security receipts and other
approved securities classified under the 1) We evaluated and understood the Bank's internal control system to
categories, Held to maturity, Available for sale comply with relevant RBI guidelines regarding valuation,
and Held for Trade. classification, identification of Non-Performing Investments,
Provisioning/depreciation related to investments;

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Sr.
Key Audit Matter How was the Key Audit Matter addressed in the Audit
No.
Ÿ Investments constitute 26.18% of the Group's 2) We assessed and evaluated the process adopted for collection of
total assets. These are governed by the information from various sources for determining fair value of these
circulars and directives of the Reserve Bank of investments;
India (RBI). These directions of RBI, inter alia,
cover valuation of investments, classification of 3) For the selected sample of investments in hand, we tested accuracy
investments, identification of non-performing and compliance with the RBI Master Circulars and directions by re-
investments, the corresponding non- performing valuation for each category of the security. Samples
recognition of income and provision there were selected after ensuring that all the categories of investments
against. (based on nature of security) were covered in the sample;

Ÿ The valuation of each category (type) of the 4) We assessed and evaluated the process of identification of NPIs,
aforesaid securities is to be done as per the and corresponding reversal of income and creation of provision;
method prescribed in circulars and directives
5) We carried out substantive audit procedures to re-compute
issued by the RBI which involves collection of
independently the provision to be maintained and depreciation to be
data/ information from various sources such as
provided in accordance with the circulars and directives of the RBI.
FIMMDA rates, rates quoted on BSE / NSE,
Accordingly, we selected samples from the investments of each
financial statements of unlisted companies etc.
category and tested for NPIs as per the RBI guidelines and
Considering the complexities and extent of recomputed the provision to be maintained in accordance with the
judgement involved in the valuation, volume of RBI Circular for those selected sample of NPIs;
transactions, investments on hand and degree of
regulatory focus, this has been determined as a Key 6) We tested the mapping of investments between the Investment
Audit Matter. application software and the financial statement preparation
software to ensure compliance with the presentation and disclosure
Accordingly, our audit was focused on valuation of requirements as per the aforesaid RBI Circular/ directions.
investments, classification, identification of Non-
Performing Investments and provisioning related to
investments.

Information Other than the Consolidated Financial Statements and Auditors’ Report thereon
5. The Bank’s Board of Directors is responsible for the other information. The other information comprises the Corporate
Governance Report which we have obtained at the time of issue of this report (but does not include the Consolidated Financial
Statements and our auditors’ report thereon). The Directors’ Report including annexures in annual report, if any, thereon and
Report on Corporate Governance is expected to be made available to us after the date of this auditor's report.
Our opinion on the Consolidated Financial Statements does not cover the other information and Pillar 3 disclosure under Basel
III and we do not and will not express any form of assurance conclusion thereon.
In connection with our audit of the Consolidated Financial Statements, our responsibility is to read the other information and, in
doing so, consider whether the other information is materially inconsistent with the Consolidated Financial Statements or our
knowledge obtained in the audit or otherwise appears to be materially misstated.
When we read the Director’s Report of the Bank, including annexures in annual report, if any, thereon, if we conclude that there
is a material misstatement therein, we are required to communicate the matter to those charged with governance
Responsibility of Management and Those Charged with Governance for the Consolidated Financial Statements
6. The Bank’s Board of Directors is responsible with respect to the preparation of these Consolidated Financial Statements that
give a true and fair view of the consolidated financial position, consolidated financial performance and consolidated cash flows
of the Group 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 the
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 Consolidated Financial Statements that give a true and fair view and are free from material misstatement,
whether due to fraud or error.

- 405 -
 In preparing the Consolidated Financial Statements, respective Board of Directors of the Group Entities is responsible for
assessing the respective Entity’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 Group Entity or to
cease operations, or has no realistic alternative but to do so.
Those Board of Directors of the Group Entities are also responsible for overseeing the respective Entity’s financial reporting
process.
Auditors’ Responsibilities for the Audit of the Consolidated Financial Statements
7. Our objectives are to obtain reasonable assurance about whether the Consolidated 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
Consolidated 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 risk of material misstatement of the Consolidated Financial Statements, whether due to fraud or
error, design and perform audit procedures responsive to those risk, and obtain audit evidence that is sufficient and
appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher
than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the
override of internal control.
• Obtain an understanding of internal control relevant to the audit of the Bank in order to design audit procedures that are
appropriate in the circumstances.
• 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’s 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 ability of the Group to continue as a going concern. If we conclude that a material uncertainty exists, we are required to
draw attention in our auditor’s report to the related disclosures in the Consolidated 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 Group to cease to continue as a going concern.
• Evaluate the overall presentation, structure and content of the Consolidated Financial Statements, including the
disclosures, and whether the Consolidated Financial Statements represent the underlying transactions and events in a
manner that achieves fair presentation.
• Obtain sufficient appropriate audit evidence regarding the financial information of such entities or business activities within
the Group and to express an opinion on the consolidated financial statements. We are responsible for the direction,
supervision and performance of the audit of financial information of Bank included in the consolidated financial statements
of which we are the independent auditors. For the other entities included in the consolidated financial statements, which
have been audited by other auditors, such other auditors remain responsible for the direction, supervision and performance
of the audits carried out by them. We remain solely responsible for our audit opinion.
Materiality is the magnitude of misstatements in the Consolidated 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 consolidated financial
statements.
We communicate with those charged with governance of the Bank 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 charged with governance with a 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 safeguards.
From the matters communicated with those charged with governance, we determine those matters that were of most

- 406 -
 significance in the audit of the Consolidated 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 matters or
when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the
adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such
communication.
Other Matter
8. We did not audit the financial statements / financial information of Two (02) subsidiaries, whose financial statements / financial
information reflect group share of total assets of Rs. 62.44 crores as at March 31, 2022, group share of total revenues of Rs.
17.95 crores for the year ended on that date, as considered in the Consolidated Financial Statements. The Consolidated
Financial Statements also include the Group’s share of net profit of Rs. 74.95 crore for the year ended March 31, 2022, as
considered in the Consolidated Financial Statements, in respect of Two (02) Associates. These financial statements have been
audited by other auditors whose reports have been furnished to us by the Management and our opinion on the Consolidated
Financial Statements, in so far as it relates to the amounts and disclosures included in respect of these subsidiaries and
associates, is based solely on the reports of the other auditors.
9. We did not audit the financial statements of Two (02) Joint Ventures whose financial statements reflect group share of total
assets of Rs. 1570.24 crore as at March 31, 2022, group share of total revenues of Rs. 478.76 crore for the year ended on that
date and Group’s share of Net Profit of Rs. 43.80 crores, as considered in the Consolidated Financial Statements. The
Consolidated Financial Statements also include the Group’s share of net profit of Rs. 75.36 crore for the year ended March 31,
2022, as considered in the Consolidated Financial Statements, in respect of One (01) Associate whose financial statements are
unaudited and have been furnished to us by the Management and our opinion on the Consolidated Financial Statements, in so
far as it relates to the amounts and disclosures included in respect of these Joint Ventures and 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, these financial statements are not material to the Group.
Our opinion on the Consolidated Financial Statements and our report on Other Legal and Regulatory Requirements below, is
not modified in respect of the above matters with respect to our reliance on the work done and the reports of the other auditors
and the unaudited Financial Statements/financial information certified by the Management.
10. The Consolidated Financial Statements of the Bank for the previous year ended 31st March, 2021 were audited by the joint
auditors, four of whom are predecessor audit firms and they had expressed unmodified opinion on such Consolidated Financial
Statements.
Report on Other Legal and Regulatory Requirements
11. The Consolidated Balance Sheet and the Consolidated Profit and Loss Account have been drawn up in accordance with
Section 29 of the Banking Regulation Act, 1949;
12. Subject to the limitations of the audit indicated in paragraphs 7 to 9 above and as required by the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations of disclosure 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, which have come to our notice, have been within the powers of the Group; and
c) The returns received from the offices and branches of the Group have been found adequate for the purposes of our audit.
13. As required by the RBI’s letter no. DOS.ARG.No.6270/08.91.001/2019-20 dated March 17, 2020(as amended), we report that:
a) The provisions of Section 164(2) of the Companies Act, 2013 pertaining to disqualification of directors are not applicable to
the Bank. On the basis of the Reports of the Statutory Auditors of Subsidiaries, none of the directors of the subsidiaries are
disqualified as on March 31, 2022 from being appointed as a director of the subsidiaries in terms of sub-section (2) of
Section 164 of the Companies Act, 2013.
b) There are no observations or comments on financial transactions or matters which have any adverse effect on the
functioning of the Bank.
c) There are no qualifications, reservations or adverse remarks relating to the maintenance of accounts and other matters
connected therewith.
d) As per para 1.14 of the Technical Guide on Audit of Internal Financial Controls in Case of Public Sector Banks issued by
ICAI, the reporting requirement as introduced by RBI regarding Internal Financial Control over Financial Reporting will apply
only to standalone financial statements of Public Sector Banks (PSBs) and not to consolidated Financial Statements of
PSBs. Accordingly, reporting is not done on the Group’s Internal Financial Control over Financial Reporting with reference to
the Consolidated Financial Statements as at March 31, 2022.

- 407 -
14. 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 branches
not visited by us.
b) The Consolidated Balance Sheet, the Consolidated Profit and Loss Account and the Consolidated Statement of Cash Flows
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 Consolidated Balance Sheet, the Consolidated Statement of Profit and Loss Account and the
Consolidated Statement of Cash Flows comply with the applicable accounting standards, to the extent they are not
inconsistent with the accounting policies prescribed by RBI.

For SRIRAMAMURTHY & CO For RAVI RAJAN & CO LLP For P K F SRIDHAR & SANTHANAM LLP
Chartered Accountants Chartered Accountants Chartered Accountants
FR No. 003032S FR No. 009073N / N500320 FR No. 003990S / S200018

Partner M. PRATYUSHA Partner SUMIT KUMAR Partner P DEVI

(M. No. 254141) (M. No. 512555) (M No. 223137)
UDIN: 22254141AJEAEL7018 UDIN: 22512555AIUPZD9911 UDIN: 22223137AJQJNC8037

For G NATESAN & CO For SARC & ASSOCIATES

Chartered Accountants Chartered Accountants
FR No. 002424S FR No. 006085N

Partner VARALAKSHMI MURALI Partner CHETAN THAKKAR

(M. No. 028863) (M. No. 114196)
UDIN: 22028863AIUPWI6171 UDIN: 22114196AIUQFB9538

Place of Signature: Chennai

Date of Report: 11th May 2022

- 408 -
 Basel III-Pillar III Disclosures
March 31,2022
ADDITIONAL DISCLOSURES IN TERMS OF COMPLIANCE OF BASEL III REQUIREMENTS AS STIPULATED BY RBI
Table DF – 1
Scope of Application
Name of the head of the banking group to which the framework applies: Indian Bank
(i) Qualitative Disclosures:
a. List of group entities considered for consolidation
Name of the Whether the Explain the Whether the entity Explain the Explain the Explain the
entity / entity is included method of is included under method of reasons for reasons if
Country of under accounting consolidation regulatory scope consolidation difference consolidated
incorporation scope of of consolidation in the method under only one
consolidation (yes / no) of consolidation of the scopes of
(yes / no) consolidation
IndBank Yes Consolidated Yes Consolidated in Not Applicable Not Applicable
Merchant in accordance accordance with
Banking with Accounting Accounting
Services Ltd. Standard 21- Standard 21-
(Subsidiary) Consolidated Consolidated
Financial Financial
Statement Statement
Ind Bank Yes Consolidated Yes Consolidated in Not Applicable Not Applicable
Housing Ltd. in accordance accordance with
(Subsidiary) with Accounting Accounting
Standard 21- Standard 21-
Consolidated Consolidated
Financial Financial
Statement Statement
Asrec (India) Yes Accounting Yes Consolidated in Not Applicable Not Applicable
Ltd (Joint standard 27- accordance with
venture) Financial proportionate
reporting of consolidation
interests in joint method as per
ventures Accounting
Standard 27-
Financial reporting
of interests in
joint ventures
Universal Yes Accounting No Not Applicable Not Applicable Regulatory
Sompo General standard 27- Guidelines
Insurance Financial reporting
company Ltd of interests in
(Joint venture) joint ventures
Tamil Nadu Yes Consolidated No Not Applicable Treated Risk weighted
Grama Bank under Equity as associates for capital
(Associates) Method in adequacy
accordance with purposes
Accounting
Standard 23-
Consolidated
Financial
Statement
Saptagiri Yes Consolidated No Not Applicable Treated Risk weighted
Grameena under Equity as associates for capital
Bank Method in adequacy
(Associates) accordance purposes
with Accounting
Standard 23-
Accounting for
Investments in
Associates in
Consolidated
Financial
Statement

- 409 -
 Puduvai Yes Consolidated No Not Applicable Treated Risk weighted
Bharathiar under Equity as associates for capital
Grama Bank Method in adequacy
(Associates) accordance with purposes
Accounting
Standard 23-
Accounting for
Investments in
Associates in
Consolidated
Financial
Statements
b. List of group entities not considered for consolidation both under the accounting and regulatory scope of consolidation:
Name of the Principle Total balance % of bank's Regulatory Total balance sheet assets
entity / country activity of the sheet equity holding in the treatment of (as stated in the accounting
of entity (as stated in total equity bank's balance sheet of the legal entity)
incorporation the accounting investments in
balance sheet the capital
of the legal instruments of
entity) the entity

NIL
(ii) Quantitative Disclosures:
c. List of group entities considered for consolidation: (` in Million)

Name of the entity / country of Principle activity of the Total balance sheet equity Total balance sheet assets
incorporation entity (as stated in the accounting (as stated in the accounting
(as indicated in (i)a. above) balance sheet of the legal balance sheet of the legal entity)
entity)

IndBank Merchant Banking Merchant Banking services 443.78 947.66

Services Ltd (India)
Ind Bank Housing Ltd (India) Housing Finance 100.00 102.85
Asrec India Ltd (India) Asset Recovery Company 980.00 2519.94
Universal Sompo General General insurance 3681.81 51833.99
Insurance company Ltd (India) Company

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:

Name of the Principle activity of Total balance sheet % of bank's holding in Capital deficiencies
subsidiaries / the entity equity the total equity
country of (as stated in the
incorporation accounting balance
sheet of the legal entity)
NIL
e. The aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are risk-
weighted:
Name of the Principle activity of Total balance sheet % of bank's holding in Quantitative impact on regulatory
insurance the entity equity the total equity / capital of using risk weighting
entities / country (as stated in the proportion of voting method versus using the full
of incorporation accounting balance power deduction method
sheet of the legal entity)

NIL

f. Any restrictions or impediments on transfer of funds or regulatory capital with in the banking group:
There is no restriction or impediments on transfer of funds or regulatory capital within the banking group.

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 Table DF - 2 : Capital Adequacy

Assessment of Capital Adequacy:

(a) Bank maintains capital to protect the interest of depositors, general creditors and stake holders against any unforeseen
losses.

As per the RBI guidelines, Banks have to maintain a Minimum Common Equity Tier 1 (CET 1) of 8.00% (including Capital
Conservation Buffer of 2.50%) and minimum CRAR of 11.50% (including Capital Conservation Buffer of 2.50%) effective
from 1st October 2021. Bank maintains Common Equity Tier 1 (CET 1) of 12.53 % (Standalone), 12.84% (Consolidated)
and CRAR of 16.53% (Standalone), 16.84 % (Consolidated).

(b) In line with RBI guidelines, Bank has adopted following risk management approaches for assessing the capital adequacy:

Ø Credit Risk: Standardised Approach

Ø Market Risk: Standardised Duration Approach

Ø Operational Risk: Basic Indicator Approach

(c) Bank projects capital for the next 5 financial years based on business projections, policy guidelines, macro-economic
scenarios, risk appetite etc

(d) Under Pillar II, Bank considers following risks while assessing / planning capital:

Ø Credit Concentration Risk Ø Stress Credit Risk

Ø Interest Rate Risk in the Banking Book Ø Underestimation of Credit Risk under Standardised
Approach
Ø Liquidity Risk
Ø Pension Obligation Risk
Ø Settlement Risk
Ø Off-Balance sheet exposure Risk
Ø Compliance Risk
Ø Technology Risk
Ø Reputational Risk
Ø Outsourcing Risk
Ø Model Risk
Ø Human Resources Risk
Ø Country Risk
Ø Residual Risk
Ø Compensation Risk
Ø Strategic Risk
Ø Legal Risk
Ø Un-hedged Foreign Currency Exposure Risk
Ø Group Risk
Ø Climate Risk
Ø Conduct Risk
Ø Cyber Risk
Ø Risk of Securitisation

e) Bank also periodically undertakes stress testing in various risk areas to assess the impact of stressed scenario or
plausible events on asset quality, liquidity, interest rate, derivatives and forex on its profitability and capital adequacy.
A comprehensive stress testing framework is put in place. Bank conducts stress test on quarterly basis based on
scenarios prescribed by RBI as well as bank specific scenarios. The Bank has also conducted stress testing under Covid
19 pandemic to assess the plausible losses on Bank’s balance sheet on account of the pandemic. The result of the same
is placed to Credit Risk Management Committee (CRMC)/Risk Management Committee (RMC) /Board.

- 411 -
Quantitative disclosures (as per Basel III guidelines)
(a) Capital requirements for credit risk: (` in Million)
Particulars Solo (Global) Consolidated
Portfolios subject to standardized approach 3,00,199.13 3,00,302.63
Securitization exposures – –

(b) Capital requirements for market risk:

Standardized duration approach (` in Million)

Particulars Solo (Global) Consolidated

Interest Rate Risk 11,942.07 11,942.07
Foreign Exchange Risk (including gold) 129.38 129.38
Equity Risk 4,613.51 4,770.35
Total 16,684.96 16,841.80

(c) Capital requirements for operational risk: (` in Million)

Particulars Solo (Global) Consolidated
Basic Indicator Approach 38,394.16 38,747.88

(d)Common Equity Tier 1 (CET 1), Tier 1 and Total capital ratio (as per Basel III guidelines):

Particulars Solo (Global) Consolidated

Common Equity Tier 1 (CET 1), 12.53% 12.84%
Tier 1 Capital Adequacy Ratio 13.17% 13.48%
Total Capital Adequacy Ratio 16.53% 16.84%

Organisation Structure:

Bank's Board

Risk Managment
Committe
(Sub Committee of
Board)

Asset Liability Operational Risk

Credit Risk Management
Committee ManagementCommittee
Committee (CRMC)
(ALCO) (ORMC)

Risk Management
Department

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Risk Management Architecture:
Risk is an integral part of the banking business and the Bank
aims to achieve an appropriate trade-off between risk and
returns. To ensure sustainable and consistent growth, the
Bank has developed a sound risk management framework.
The Bank undertakes business activities within the defined
risk appetite limits and policies approved by the Board of the
Bank. The Board has also constituted a Risk Management
Committee (RMC) which oversees the different type of risks.
The Bank has put in place various policies to manage the risks,
viz. Integrated Risk Management Policy, Credit Risk
Management Policy, Asset Liability Management Policy,
Policy on Market Risk Management, Operational Risk
Management Policy, Internal Capital Adequacy Assessment
Process (ICAAP) Policy. All the policies are reviewed at a
minimum on annual basis by Board.
The following specific committees have been constituted to
facilitate focussed oversight on various risks.
(I) Asset Liability Committee (ALCO)
(ii) Credit Risk Management Committee (CRMC)
(iii) Operational Risk Management Committee (ORMC)
These committees work within the overall guidelines and
policies approved by the Board.
Credit Risk:
Credit risk refers to the deterioration in the credit quality of the
borrower adversely impacting the financial performance of the
Bank. The losses incurred by the Bank in a credit transaction
could be due to inability or wilful default of the borrower in
honouring the financial commitments to the Bank.
Bank has put in place Risk Management System to identify the
risks at an early stage and manage them by setting and
monitoring prudential limits besides taking other corrective
measures.
Limit Framework:
In order to manage the concentration risk, limit framework has
been laid down for following type of exposures:
• Single and group borrower exposure
• Sensitive sector exposure
• Unsecured exposure
• Country-wise exposure
• Internal rating wise exposure
• Term loan exposure
• Industry-wise exposure
• Interbank exposure
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These exposure limits are monitored on regular basis by
various apex level committees of the Board.
Credit Review Framework:
Bank has adopted the Credit Review Framework, which
involves credit risk assessment and risk categorisation of the
credit proposals into Low risk / Medium risk / High risk / No-Go
based upon quantified risk scoring matrices on analysing the
risk factors along with subjective risk parameters. Based on
Risk Score and Risk Categorization, Risk Advisory is issued to
take risk based / informed credit decision at various Credit
Committees.
Rating and Scoring Model: All credit proposals are subject to
credit risk rating / scoring process to support credit decision
making as well as to enhance risk management capabilities for
portfolio management, pricing and risk based capital
measurement. In order to ensure robustness of the rating
models, the rating models have been subjected to validation
by an external agency. The Bank has entry level scoring
models for all the fresh sanctions coming under structured
loan products and other loans which are not subjected to
Rating Model.
Loan review mechanism: Loan review mechanism and Credit
audit system are in place for the periodical review/audit of the
large value accounts and bring about qualitative
improvements in credit administration of the Bank. In addition,
Standard Assets Monitoring Committee reviews the Special
Mention Accounts periodically to initiate timely action to
prevent slippage of standard assets to non performing assets.
As a part of monitoring mechanism, accounts which are
downgraded from investment category are identified and
monitored closely.
Asset Liability Management:
Asset Liability Management framework facilitates bank to
measure, monitor and control liquidity risk and interest rate
risk on its balance sheet. This helps in providing suitable
strategies for asset liability management. The asset liability
management framework consists of the following key
components
• Liquidity risk management
• Interest rate risk management
• Balance sheet and Basel III liquidity ratios
• Stress Testing and scenario analysis
• Contingency funding plan
Bank has set in place ALM policy to achieve two primary
objectives as listed below:
Short Term Objective:
• To optimize the Net Interest Margin (NIM) of the Bank
• To provide adequate liquidity
• To manage re-pricing risk
Long Term Objective:
• To maximize the shareholder's wealth
Asset Liability Management is the function of Asset Liability
Committee (ALCO). It operates under the guidance and
supervision of the Board and/or Sub-Committee of Board on
Risk Management. It meets at regular intervals to review the
interest rate scenario, review of MCLR, TBLR, EBLR
(REPO), Base Rate, liquidity position, product pricing for both
deposits and advances, maturity profile of the assets and
liabilities, demand for Bank funds, cash flows of the Bank and
overall Balance Sheet Management.
Liquidity risk is measured and monitored through two
approaches-Flow approach and Stock approach. Flow
approach involves comprehensive tracking of cash flow
mismatches and is done through preparation of Structural
liquidity statement on a daily basis. Appropriate tolerance
levels/prudential limits have been stipulated for mismatches in
different time buckets. Under Stock Approach various balance
sheet ratios are prescribed with appropriate limits. The
compliance of ratios to the prescribed limits ensures that the
Bank has managed its liquidity through appropriate
diversification and kept it within the sustainable limit.
For measurement and monitoring of Interest rate risk,
currency wise, both Traditional gap approach and Duration
gap approaches are followed. The short-term impact of
interest rate movements on NIM is worked out through
“Earnings at Risk” approach taking into consideration Yield
curve risk, Basis risk and Embedded Options Risk. The long-
term impact of interest rate movements on Market Value of
Equity is also worked out through Duration Gap approach. The
monthly interest rate sensitivity statement is reviewed by
ALCO and Quarterly interest rate sensitivity is reviewed by
RMC.
Stress testing of liquidity risk and interest rate risk is conducted
on regular interval as per the RBI defined and internally
defined stress scenarios. The results from internal Liquidity
stress testing are used to draw contingency funding plan
under different liquidity stress scenarios.
Bank is computing Liquidity Coverage Ratio (LCR) on daily as
per latest Regulatory guidelines and is using it for assessing
Liquidity risk. On a monthly basis LCR statement is reviewed
by ALCO. Further, in line with RBI guidelines, Bank is also
computing NSFR on quarterly basis (i.e., w.e.f. QE December
2021)
Market Risk Management:
Market risk is the possibility of loss caused by adverse
movements in the market variables. The Bank for International
Settlements (BIS) defines market risk as “the risk that the
value of ‘on’ or ‘off’ balance sheet positions will be adversely
- 414 -
affected by movements in equity and interest rate markets,
currency exchange rates and commodity prices”. Thus,
Market Risk is the risk to the bank’s earnings and capital due to
changes in the market level of interest rates or prices of
securities, foreign exchange and equities, as well as the
volatilities of those changes. The objective of market risk
management is to assist the business units in maximizing the
risk adjusted return by providing analytics driven inputs
regarding market risk exposures, portfolio performance vis-à-
vis risk exposures and comparable benchmarks. Following
risks are managed under Market Risk.
• Interest Rate Risk
• Exchange Rate Risk
• Equity Price Risk
The market risk may also arise from changes in commodity
prices and volatility. However, Bank does not have any
exposure to commodity related markets.
Market Risk Management (MRM) Framework
a) Risk Identification: Setting a framework for identifying,
assessing and managing market risk in order to provide clarity
on various dimensions of risk identification and recognition to
each of the business functions.
b) Risk Measurement and Limits: Bank recognizes that no
single risk statistic can reflect all aspects of market risk.
Therefore, various statistical and non-statistical risk measures
are used to enhance the stability of risk measurement of
market risk. Together, these risk measures provide a more
comprehensive view of market risk exposure than any single
measure. Market risk is managed with various metrics viz.
Value at Risk (VaR), Earnings at Risk (EaR), Modified duration
(MD), PV01 Limits, Net Overnight Open Position Limits
(NOOPL), Individual Gap Limit (IGL) and Aggregate Gap
Limit (AGL) currency wise and also through sensitivity
analysis. Stress testing is also conducted on a regular basis to
monitor the vulnerability of the bank to extreme but plausible
unfavourable shocks.
c) Risk Monitoring: Bank monitors and controls its risk,
using various internal and regulatory risk limits for trading book
which are set based on economic scenario, business strategy,
management experience and Bank’s risk appetite. Rate scan
is carried out to ensure that transactions are carried out at
prevailing market rates.
d) Risk Reporting: Mid Office monitors treasury operations
on day to day basis. A daily report and weekly summary note is
placed to Chief Risk Officer and on monthly basis to ALCO.
Stress testing is done for assessing market risk as per
framework prescribed in Stress Test Policy and reported to
ALCO on Quarterly basis.
Market risk management is governed by comprehensive
board approved Policy on Market Risk Management and
Stress Testing Policy to ensure that the risks spread across
different activities carrying an underlying market risk are within
the stipulated risk appetite of the bank. All the policies are
benchmarked with industry-best practices and R B I
regulations. The risk reporting mechanism in the Bank
comprises disclosures and reporting to the various apex level
committees.
Operational Risk:
Operational Risk (OR) is the risk of loss resulting from
inadequate or failed internal processes, people or systems, or
from external events. The bank has put in place Operational
Risk Management Frame work (ORMF) and Operational Risk
Management systems (O R M S) to ensure effective
governance, risk capture and assessment and quantification
of operational risk. Operational risk is well managed by using
appropriate qualitative & quantitative methods and
established internal control systems in day to day
management processes and adopting various risk mitigating
strategies. The risk perceptions in various products /
processes are critically analysed and corrective actions if
required, are initiated.
Bank has implemented a web-based Operational Risk
Management System to capture, measure, monitor and
manage its operational risk. Bank has put in place frameworks
for Risk Control Self Assessment (RCSA) and Key Risk
Indicators (KRIs). Risk and control self-assessment is used to
identify key operational risk and assess the degree of
effectiveness of the internal controls.
Bank has been taking steps to strengthen the RCSA and KRI
by reviewing and improving the coverage area for
management of Operational risk.
Table DF-3
Credit Risk: General disclosures for all banks
Qualitative Disclosures:
(a) Credit Risk Management:
Credit risk is defined as the possibility of losses associated
with diminution in the credit quality of borrowers or
counterparties.
Architecture:
In adherence with various guidelines and leading industry
practices, the Bank has set up a robust governance structure
for the management of credit risk, ensuring an adequate
oversight, monitoring and reporting. The framework
establishes the responsibilities of the board of directors. The
Bank has established a Board level sub-committee known as
‘Risk Management Committee (RMC)’ constituted in terms of
RBI guidance note on Risk Management system.
Risk Management Committee (RMC):
The RMC evaluates overall risks faced by the Bank and is
- 415 -
responsible for the establishment of an effective system to
identify measure, monitor, and control and mitigate the risk.
The Board has delegated authority to the RMC for credit risk
related responsibilities. The committee oversees credit risk
management and ensures that the principal credit risks facing
the Bank have been properly identified and are being
appropriately managed. The committee approves and
periodically reviews the overall risk appetite and credit risk
management strategy. The committee reviews the risk
management policies, the Bank’s compliance with risk
management guidelines stipulated by the RBI.
The risk committee also reviews credit risk profile and any
major development, internal and external, and their impact on
portfolio of the bank.
Credit Risk Management Committee (CRMC): CRMC
deals with the issues relating to credit policy and procedures,
and analyzes, manages and controls credit risk on a bank wide
basis.
Loan Review Management Committee: (LRMC): As a part
of Credit risk management process, Loan Review
Management Committee (LRMC), has been constituted to
undertake review of borrowal accounts sanctioned by various
Committees.
Definitions of past due and impaired ( for accounting
purpose)
Bank has adopted the definitions of the past due and impaired
(for accounting purposes) as defined by RBI for Income
Recognition and Asset Classification norms. Further, in line
with RBI guidelines, the moratorium period, wherever
granted, is factored in for the purpose of asset classification.
The policy of the bank for classifying bank’s loan assets is as
under:
Non Performing Asset (NPA): A non performing asset (NPA) is
a loan or an advance where:
• Interest and/ or installment of principal remain overdue for
a period of more than 90 days in respect of a term loan,
• The account remains ‘out of order’ in respect of an
Overdraft/Cash Credit (OD/CC)
• The bill remains overdue for a period of more than 90 days
in the case of bills purchased and discounted,
• The installment of principal or interest thereon remains
overdue for two crop seasons for short duration crops
• The installment of principal or interest thereon remains
overdue for one crop season for long duration crops
An OD/CC account is treated as 'out of order' if the
outstanding balance remains continuously in excess of the
sanctioned limit/drawing power for 90 days. In cases where
the outstanding balance in the principal operating account is
less than the sanctioned limit/drawing power, but there are no
credits continuously for 90 days as on the date of Balance
Sheet or credits are not enough to cover the interest debited
during the same period, these accounts are treated as 'out of
order'.
Non Performing Assets of the Bank is further classified in to
three categories as under:
• Sub standard Assets
A sub standard asset is one which has remained NPA for a
period less than or equal to 12 months.
• Doubtful Assets
An asset would be classified as doubtful if it has remained in
the sub standard category for 12 months.
• Loss Assets
A loss asset is one where loss has been identified by the bank
or by internal or external auditors or the RBI inspection.
Credit Risk Management Policy:
The Bank has put in place the Credit Risk Management Policy
(part of Credit Policy) and the same has been ported on Bank’s
intranet. The main objective of the policy is to ensure that the
operations are in line with the expectation of the management
and the strategies of the top management are translated into
meaningful directions to the operational level. The Policy
stipulates prudential limits on large credit exposures,
standards for loan collateral, portfolio management, loan
review mechanism, risk concentrations, risk monitoring and
evaluation, provisioning and regulatory / legal compliance.
The Bank identifies the risks to which it is exposed and applies
suitable techniques to measure, monitor and control these
risks.
While the Board / Risk Management Committee of the Board
devises the policy and fixes various credit risk exposures,
Credit Risk Management Committee implements these
policies and strategies approved by the Board / RMC,
monitors credit risks on a bank wide basis and ensures
compliance of risk limits.
Bank considers rating of a borrower as an important tool to
measure the credit risk associated with any borrower and
accordingly implemented rating software.

Total gross credit risk exposures, Fund Based and Non-fund based separately. (` in Million)
Particulars Standalone Consolidated
Gross Credit Risk Exposures
Fund Based
Loans and Advances 41,56,247.54 41,56,247.54
Investments 13,71,114.32 13,71,126.56
Other Assets 10,79,234.04 10,80,019.88
Total Fund Based 66,06,595.90 66,07,393.98

Non Fund Based including contingent credit, contracts and

derivatives* 45,88,185.79 45,88,433.09
Total Credit Risk Exposure 1,11,94,781.69 1,11,95,827.07

* includes notional principles of derivatives exposures, fund based unavailed limits, LC, acceptances Guarantees

(a) Geographic distribution of credit risk exposures Fund based and Non-fund based (Standalone) separately (` in Million)
Geographical Region Fund Based Non Fund Based including contingent Total
credit, contracts and derivatives
Overseas 2,08,394.67 53,894.39 2,62,289.06

Domestic 63,98,201.23 45,34,291.40 1,09,32,492.63

Total 66,06,595.90 45,88,185.79 1,11,94,781.69

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(b)Industry-wise distribution of exposures (Standalone) as on 31.03.2022
(` in Million)

S.No. MAJOR INDUSTRIES / SECTORS FB Exposure NFB Exposure Commited

Exposure

1 Chemicals & Chemical Products

1.1 Drugs and Pharmaceuticals 10712.37 3227.75 13940.13
1.2 Fertilizers 11861.55 668.84 12530.39
1.3 Other Chemicals & Chemical Products 17979.19 4580.97 22560.16
2 Engineering
2.1 General Engineering Machinery and Goods 43721.32 57390.49 101111.81
2.2 Electrical Machinary and Goods 10912.54 11519.89 22432.43
2.3 Electronic Machinery,Goods and Software 15308.89 8760.09 24068.98
3 Food Manufacturing and Processing
3.1 Edible oil and Vanaspati 9154.03 19440.54 28594.57
3.2 Rice Mills, Flour Mills and Dal Mills 29339.23 4457.59 33796.82
3.3 Sugar 16999.94 81.61 17081.55
3.4 Tea and Coffee 4115.07 19.93 4135.01
3.5 Other Food Manufacturing and Processing 61226.69 14834.99 76061.68
4 Infrastructure
4.1 Power
4.1.1 Power Generation 156848.02 31623.37 188471.39
4.1.2 Power Transmission and Distribution 93359.20 7082.18 100441.38
4.1.3 Renewable Energy 3569.40 2011.78 5581.18
4.2 Transport
4.2.1 Ports and Roads 112698.77 5805.05 118503.82
4.2.2 Shipping 10047.64 14320.28 24367.92
4.2.3 Logistics 15618.13 5067.37 20685.50
4.3 Telecommunication 4749.03 54191.03 58940.06
4.4 Educational Institution 44405.48 3567.41 47972.89
4.5 Hospital 23909.92 2203.59 26113.51
4.6 Hotels (Three Star and above) 12535.17 335.04 12870.21
4.7 Other Infrastructure 298332.61 7787.52 306120.13
5 Textiles
5.1 Cotton Textile 35805.26 3742.61 39547.87
5.2 Natural Fibre Textile 1849.63 10.00 1859.63
5.3 Handloom Textile and Khadi 4220.33 93.79 4314.12
5.4 Other Textile 61814.27 8248.55 70062.82
6 NBFC/HFC/MFI
6.1 Non Banking Financial Companies (NBFC) 337823.08 574.62 338397.69
6.2 Micro Finance Institutions (MFI) 31836.93 0.00 31836.93
6.3 Housing Finance Companies (HFC) 243538.02 0.00 243538.02
7 Metal and Metal Products
7.1 Iron and Steel 98019.66 42840.55 140860.21
7.2 Other Metals and Metal Products 27400.55 12659.37 40059.92
8 Trade
8.1 Wholesale Trade 317195.23 21260.37 338455.60

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 (` in Million)

S.No. Major Industries / Sectors FB NFB Total

Exposure Exposure Exposure

8.2 Retail Trade 178522.38 7365.56 185887.94

9 Automobiles 22398.80 3688.07 26086.87
10 Aviation 0.00 1630.99 1630.99
11 Beverages and Tobacco 8162.96 158.57 8321.53
12 Cement and Cement Products 24233.46 7943.46 32176.92
13 Capital Market Exposure (CME) 24066.23 2515.00 26581.23
14 Commercial Real Estate (CRE) 82746.95 770.08 83517.03
15 Construction Contractors 107211.56 135062.78 242274.35
16 Gems and Jewellery 6277.69 725.22 7002.91
17 Glass and Glass Ware 894.57 2948.38 3842.95
18 Leather and Leather Products 3454.39 864.25 4318.64
19 Media and Entertainment 4775.10 4238.17 9013.27
20 Mining and Quarrying 25786.39 5015.03 30801.42
21 Paper and Paper Products 17790.06 2633.13 20423.19
22 Petroleum and Petroleum Products 141191.35 51162.01 192353.36
23 Printing and Publishing 7227.31 1601.67 8828.99
24 Rubber, Plastic and their Products 30910.29 13324.45 44234.74
25 Wood and Wood Products 6707.92 1844.38 8552.29
26 Other Industries 295174.39 12176.64 307351.03

As on 31.03.2022, the Bank’s exposure to the industries stated below was more than 5% of the total exposure

Sl.No Industry Classification Percentage of the total gross

credit exposure
1 Infrastructure 15.66%
2 NBFC / HFC / MFI 10.56%

(e) Residual contractual maturity break-up of advances and investments (` in Million)

Investments* Advances
1 day 263980.60 46422.02
2-7 days 135030.40 50757.12
8 -14 days 102081.60 61692.17
15 to 30 days 113825.20 86845.13
31 days to 2months 27436.70 168897.09
Over 2 months to 3 months 24730.20 145246.65
Over 3 months to 6 months 57399.90 218514.54
Over 6 months to 1 year 83256.70 398968.59
Over 1 year to 3 years 163086.10 1491501.75
Over 3 years to 5 years 109045.00 631297.60
Over 5 years 661334.49 591717.97
Total 1741206.89 3891860.63
* Excludes 50% of listed equities of 4378.98 million.

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 (` in Million)
(f) Amount of NPAs (Gross) – (Standalone)
Ø Substandard 52028.80
Ø Doubtful 1 74242.58
Ø Doubtful 2 107713.51
Ø Doubtful 3 68674.36
Ø Loss 49483.30
Gross NPA (Standalone) 352142.54
(g) Net NPAs 88486.48
(h) NPA Ratios
Ø Gross NPAs to gross advances 8.47%
Ø Net NPAs to net advances 2.27%
(i) Movement of NPAs (Gross)
Ø Opening Balance (01.04.2021) 384553.46
Ø Additions 101646.68
Ø Reductions 134057.60
Ø Closing Balance (31.03.2022) 352142.54
(j) Movement of provisions for NPAs
Ø Opening Balance (01.04.2021) 258933.60
Ø Provisions made during the period 20303.06
Ø Write Off / Write-back of excess provisions 21772.35
Ø Closing balance (31.03.2022) 257464.31
(k) Amount of Non-Performing investments 18820.17
(l) Amount of Provisions held for non-performing investments 8096.94
(m) Movement of provisions for depreciation on investments
Ø Opening balance (01.04.2021) 26401.30
Ø Provisions made during the period 4853.88
Ø Write-off 0.00
Ø Recovery 2786.67
Ø Write-back of excess provisions 2786.67
Ø Closing balance (31.03.2022) 28468.51

Write off and recoveries that have been booked directly to the income statement: (` in Million)
Recovery in Accounts under collection 16106.28
Memorandum of Interest / legal charges / Recovery in written off accounts 4549.02

Amount of NPA by Major Industry type (` in Million)

Industry Gross NPA Provision Net NPA

Basic Metals and metal products 16864.77 12212.39 4652.38
Infrastructure including Power 42464.05 32519.07 9944.98
Textiles 15909.52 10917.53 4991.99
All engineering 9439.43 7345.34 2094.09
Petroleum and other minerals 609.10 333.72 275.38

Technical Write Off during the quarter ended 31.03.2022- Standalone: 16934.17 million

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Geography-wise NPA (` in Million)
Domestic Overseas Global
Amount of NPAs (Gross)
Ø Substandard 50262.90 1765.90 52028.80
Ø Doubtful 1 71760.37 2482.21 74242.57
ØDoubtful 2 107678.20 35.31 107713.51
ØDoubtful 3 68521.50 152.86 68674.36
ØLoss 49412.30 71.00 49483.30
Total 347635.27 4507.28 352142.54

Analysis of ageing of past-due loans (` in Million)

Details Gross NPA

Less than 1 year (Sub Standard) 52028.80
1-2 Years (D1) 74242.57
2-3 Years (D2- 1st Year) 51558.90
3-4 Years(D2- 2nd Year) 56154.61
More than 4 years 118157.66

Table DF – 4

Credit Risk: disclosures for portfolios subject to the standardized approach

Qualitative Disclosures:

(a) The Bank uses ratings assigned by the seven Rating Agencies approved by the Reserve Bank of India namely a) CRISIL, b)
ICRA, c) CARE, d) India Ratings, e) Brickworks f) Acuite and g) Infomerics for the eligible exposures according to the Basel III
framework. For overseas credit exposure, bank accepts rating of Standard &Poor, Fitch, & Moody’s.

The Bank uses only publically available solicited ratings assigned by the above approved credit rating agencies for all eligible
exposures, both on balance sheet and off balance sheet, whether short term or long term, in the manner permitted in the RBI
guidelines on Basel III capital regulations.

For assets in the Bank’s portfolio that have contractual maturity up to one year, short term ratings accorded by the chosen
credit rating agencies are considered relevant. For other assets, which have a contractual maturity of more than one year, long
term ratings accorded by the chosen credit rating agencies are considered relevant.

Long term/short term ratings issued by the chosen domestic credit rating agencies have been mapped to the appropriate risk
weights applicable as per the standardised approach under Basel III capital regulations.

Use of multiple rating assessment:

Ø If there are two ratings accorded by chosen credit rating agencies that map into different risk weights, the higher risk weight are
applied

Ø If there are three or more ratings accorded by chosen credit rating agencies with different risk weights, the ratings
corresponding to the two lowest risk weights should be referred to and the higher of those two risk weights should be applied.
i.e., the second lowest risk weight

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Quantitative Disclosures:
(b)The total credit risk exposure (Standalone) bifurcated after the credit risk mitigation under Standardized Approach is as under:
(` in Million)
Standalone Book Value Risk Weighted value
Below 100% Risk weight 93,84,130.62 11,08,282.89
100% Risk weight 7,42,627.48 5,48,685.60
Above 100% Risk weight 10,68,023.59 9,53,458.74
Total 1,11,94,781.69 26,10,427.23
The total credit risk exposure (Consolidated) bifurcated after the credit risk mitigation under Standardized Approach is as under:
(` in Million)
Consolidated Book Value Risk Weighted value
Below 100% Risk weight 93,84,449.97 11,08,346.76
100% Risk weight 7,43,280.13 5,49,338.24
Above 100% Risk weight 10,68,096.97 9,53,642.22
Total 1,11,95,827.07 26,11,327.22

Table DF-5 : Credit Risk Mitigation: disclosures for standardized approaches

Qualitative Disclosure
The Bank has put in place Credit Risk Mitigation & Collateral Management Policy (part of Credit Policy) with the primary objective of
a) Mitigation of credit risks & enhancing awareness on identification of appropriate collateral taking into account the spirit of Basel III /
RBI guidelines and (b) Optimizing the benefit of credit risk mitigation in computation of capital charge as per approaches laid down in
Basel III / RBI guidelines.
The Bank generally relies on Risk Mitigation techniques like Loan participation, Ceiling on Exposures, Escrow mechanism, Forward
cover, higher margins, loan covenants, Collateral and insurance cover.
Valuation methodologies are detailed in the Credit Risk Management Policy (part of Credit Policy).
Eligible collateral for which CRM benefit taken for Computation of Capital Charge as per RBI guidelines:
The following collaterals are recognized for availing CRM benefit for Computation of Capital Charge:
i) Cash (as well as certificates of deposit or comparable instruments, including fixed deposit receipts, issued by the lending bank)
on deposit with the bank, which is incurring the counterparty exposure.
ii) Gold: Gold would include both bullion and jewellery. However, the value of the collateralized jewellery should be benchmarked
to 99.99 purity.
iii) Securities issued by Central and State Governments
iv) Kisan Vikas Patra and National Savings Certificates provided no lock-in period is operational and if they can be encashed
within the holding period
v) Life insurance policies with a declared surrender value of an insurance company which is regulated by an insurance sector
regulator
vi) Debt securities rated at least BBB (-)/PR3/P3/F3/A3
vii) Units of Mutual Funds
Main types of guarantor counterparty and their creditworthiness
The Bank considers credit protection in terms of the guarantees which are direct, explicit, irrevocable and unconditional. The bank
takes into account such credit protection in calculating capital requirements
Only guarantees issued by entities with a lower risk weight than the counterparty will lead to reduced capital charges, since the
protected portion of the counterparty exposure is assigned the risk weight of the guarantor, whereas the uncovered portion retains
the risk weight of the underlying counterparty
Credit protection given by the following entities is recognised as counterparty Guarantor:
(i) Sovereigns (Central and State Governments)
(ii) Sovereign entities (including ECGC, NCGTC and CGTMSE)
(iii) Banks with a lower risk weight than the counterparty
All types of securities eligible for mitigation are easily realizable financial securities. Hence, presently no limit / ceiling has been
prescribed to address the concentration risk in credit risk mitigants recognized by the Bank.
The Bank uses the comprehensive approach in capital assessment. In the comprehensive approach, when taking collateral, the
Bank calculates the adjusted exposure to a counterparty for capital adequacy purposes by netting off the effects of that collateral.
The Bank adjusts the value of any collateral by a haircut to take into account possible future fluctuations in the value of the security
occasioned by market movements.

- 421 -
Quantitative Disclosures
For each separately disclosed credit risk portfolio (Standalone/ Consolidated), the total exposure (after, where applicable, on- or off
balance sheet netting) that is covered by eligible financial collateral after the application of haircuts:
(` in Million)
Type of Exposure Eligible financial Collateral Guarantees
Gross Credit Risk Exposures
Fund Based
Loans and Advances 5,97,237.07 5,05,716.68
Investments 0.00 184.00
Other Assets 0.00 0.00
Total Fund Based 5,97,237.07 5,05,900.68
Non Fund Based including contingent credit,
contracts and derivatives 47,126.64 0.00
Total 6,44,363.71 5,05,900.68

Table DF – 6
Securitization: disclosure for standardized approach
Qualitative Disclosures: The Bank has not undertaken any securitization activity.
Quantitative Disclosures: NIL

Table DF – 7
Market risk in trading book
Market Risk :
Market risk is the possibility of loss caused by changes in the market variables. The Bank for International Settlements (BIS) defines
market risk as “the risk that the value of ‘on’ or ‘off’ balance sheet positions will be adversely affected by movements in equity and
interest rate markets, currency exchange rates and commodity prices”. Thus, Market Risk is the risk to the bank’s earnings and
capital due to changes in the market level of interest rates or prices of securities, foreign exchange and equities, as well as the
volatilities of those changes. The objective of market risk management is to assist the business units in maximizing the risk adjusted
rate of return by providing analytics driven inputs regarding market risk exposures, portfolio performance vis-à-vis risk exposures
and comparable benchmarks. Following risks are managed under Market Risk.
• Interest Rate Risk
• Exchange Rate Risk
• Equity Price Risk
The market risk may also arise from changes in commodity prices and volatility. However, Bank does not have any exposure to
commodity related markets.
Market Risk Management (MRM) Framework of the bank is as follows:
a) Risk Identification: Setting a framework for identifying, assessing and managing market risk in order to provide clarity on
various dimensions of risk identification and recognition to each of the business functions.
b) Risk Measurement and Limits: Bank recognizes that no single risk statistic can reflect all aspects of market risk. Therefore
various statistical and non-statistical risk measures are used to enhance the stability of risk measurement of market risk. Market
risk is managed with various metrics viz. Value at Risk (VaR), Earnings at Risk, Modified duration, PV01 Limits, Net Overnight
Open Position Limits (NOOPL), Individual Gap Limit (IGL) and Aggregate Gap Limit (AGL) currency wise and also through
sensitivity analysis. Stress testing is also conducted on a regular basis to monitor the vulnerability of the bank to extreme but
plausible unfavourable shocks.

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c) Risk Monitoring: Bank monitors and controls its risk, using various internal and regulatory risk limits for trading book which are
set based on economic scenario, business strategy, management experience and Bank’s risk appetite. Rate scan is carried out
to ensure that transactions are executed and revalued at prevailing market rates.
d) Risk Reporting: Monitoring of Treasury operations is done by Mid Office and a daily report and weekly summary report is put up
to Chief Risk Officer. Capital charge on account of Market Risk is computed and reported to ALCO on monthly and Board on
quarterly basis. Stress testing is done for assessing market risk by following assumptions prescribed in Stress Test Policy and
reported to ALCO on Quarterly basis.
Market risk management is governed by comprehensive board approved market risk management policy, Integrated Treasury
Management Policy, Stress testing and Derivative Policy to ensure that the risks spread across different activities carrying an
underlying market risk are within the stipulated risk appetite of the bank. All the policies are benchmarked with industry-best practices
and RBI regulations. The risk reporting mechanism in the Bank comprises disclosures and reporting to the various apex level
committees.
Quantitative Disclosures:
The capital requirements for:
(A in Million)
Particulars Standalone Consolidated
Interest rate risk 11,942.07 11,942.07
Foreign exchange risk 129.38 129.38
Equity position risk 4,613.51 4,770.35
Total 16,684.96 16,841.80

Table DF – 8

Operational Risk
Qualitative Disclosures:
Operational risk is defined as the risk of loss resulting from inadequate or failed internal processes, people and systems or from
external events. This definition includes legal risk, but excludes strategic and reputational risk.
Operational risk is now on the focus of intense interest among industry participants, regulators and other stake holders. The bank has
put in place Operational Risk Management Frame work (ORMF) and Operational Risk Management systems (ORMS) to ensure
effective governance, risk capture and assessment and quantification of operational risk exposure. Operational risk is well managed
by using appropriate qualitative & quantitative methods and established internal control systems in day to day management
processes and adopting various risk mitigating strategies. The risk perceptions in various products / processes are critically analysed
and corrective actions if required, are initiated.
Bank has implemented a sophisticated web-based Operational Risk Management System to capture, measure, monitor and
manage its operational risk exposure. Bank has built up internal loss data base for more than 10 years.
Capital charge for Operational Risk is computed as per the Basic Indicator Approach.
Quantitative Disclosures
The average of the gross income, as defined in the Basel III Capital regulations, for the previous 3 years i.e. is considered for
computing the capital charge. The required capital is ` 38747.88 Million (Consolidated).

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 Table DF – 9

Interest Rate Risk in the Banking Book (IRRBB)

Qualitative Disclosures:
IRRBB refers to the potential adverse financial impact on the Bank’s banking book from changes in interest rates.
The interest rate risk is measured and monitored through two approaches:
(i) Earning at Risk (Traditional Gap Analysis) :
The immediate impact of the changes in the interest rates on net interest income of the bank is analyzed under this approach.
(ii) Economic Value of Equity (Duration Gap Analysis):
Modified duration of assets and liabilities is computed separately to finally arrive at the modified duration of equity. This approach
assesses impact on economic value of equity by assuming parallel shift in the yield curve for a given change in the yield. Impact on
the Economic Value of Equity is also analyzed for a 200 bps rate shock as required by RBI. Market linked yields are used in the
calculation of the Modified Duration.
The changes in market interest rates have earnings and economic value impacts on the bank’s banking book. Thus, given the
complexity and range of balance sheet products, IRR measurement systems are used that assess the effects of the rate changes on
both earnings and economic value. Techniques followed are simple maturity (fixed rate) and repricing (floating rate) gaps and
duration gaps based on current on-and-off-balance sheet positions, to a little higher technique that incorporate assumptions on
behavioural pattern of assets, liabilities and off-balance sheet items and can easily capture the full range of exposures against basis
risk, embedded option risk, yield curve risk, etc.
The analysis of bank’s Interest Rate Risk in Banking Book (IRRBB) is done for Global position. Analysis note on the same on a
monthly basis is placed to ALCO.
Quantitative Disclosures:
The impact on earnings and economic value based on interest rate shocks are given below:-
i) Earnings at Risk for 25 bps interest rate shock as on for one year time horizon is (-) `3078.33 Million
ii) Change in Economic Value of Equity for 200 bps interest rate shock in Banking Book is `72905.14 Million (IRRBB)

DF-10: General Disclosure for exposures related to Counterparty Credit Risk:

Counterparty Credit Risk is the risk that the counterparty to a derivative transaction can default before the final settlement of the
transaction’s cash flow. The Bank sets limits as per the norms on exposure stipulated by RBI for both fund and non fund based
facilities including derivatives. Limits are set as a percentage of the capital funds and are monitored on regular basis. For corporates
the derivatives limits are assessed and sanctioned in conjunction with regular credit limit as part of regular appraisal.

All the Derivative transactions with the Counterparty are evaluated as per Board approved Derivative Policy of the Bank.

The derivative exposure calculated using Current Exposure Method (CEM) and outstanding as on 31.03.2022 is given below:

(` in Million)

Derivatives Notional Principle Current Credit Exposure (+ve MTM) Current Exposure
Forward Contracts 30,61,977.11 9,421.52 65,287.98
Interest Rate Swaps 0.00 0.00 0.00

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 DF-11: Composition of Capital (` in Million)
Ref No.
(With respect to
DF-12; Step 2)

Common Equity Tier 1 capital: instruments and reserves

1 Directly issued qualifying common share capital plus related stock surplus
(share premium) 36,369.86 A1+B1
2 Retained earnings 9,027.31 B6
3 Accumulated other comprehensive income (and other reserves) 3,54,617.29 B2+B3+B4+B5+
B7+B8(i)+B10(i)+B11

4 Directly issued capital subject to phase out from CET1

(only applicable to non-joint stock companies) 0.00
Public sector capital injections grandfathered until January 1, 2018 0.00
5 Common share capital issued by subsidiaries and held by third parties
(amount allowed in group CET1) 0.00
6 Common Equity Tier 1 capital before regulatory adjustments 4,00,014.46
Common Equity Tier 1 capital: regulatory adjustments
7 Prudential valuation adjustments 0.00
8 Goodwill (net of related tax liability) 0.00
9 Intangibles other than mortgage-servicing rights (net of related tax liability) 0.00
10 Deferred tax assets 0.00
11 Cash-flow hedge reserve 0.00
12 Shortfall of provisions to expected losses 0.00
13 Securitisation gain on sale 0.00
14 Gains and losses due to changes in own credit risk on fair valued liabilities 0.00
15 Defined-benefit pension fund net assets 0.00
16 Investments in own shares (if not already netted off paid-in capital on reported
balance sheet) 0.00
17 Reciprocal cross-holdings in common equity 1,302.84
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) 0.00
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) 1,050.00
20 Mortgage servicing rights (amount above 10% threshold) 0.00
21 Deferred tax assets arising from temporary differences
(amount above 10% threshold, net of related tax liability) 0.00
22 Amount exceeding the 15% threshold 0.00

- 425 -
 DF-11: Composition of Capital (` in Million)
Ref No.
(With respect to
DF-12; Step 2)

23 of which: significant investments in the common stock of financial entities 0.00

24 of which: mortgage servicing rights 0.00
25 of which: deferred tax assets arising from temporary differences 0.00
26 National specific regulatory adjustments (26a+26b+26c+26d) 0.00
26a of which: Investments in the equity capital of the unconsolidated insurance
subsidiaries 0.00
26b of which: Investments in the equity capital of unconsolidated non-financial
subsidiaries 0.00
26c of which: Shortfall in the equity capital of majority owned financial entities
which have not been consolidated with the bank 0.00
26d of which: Unamortised pension funds expenditures 0.00
Regulatory Adjustments Applied to Common Equity Tier 1 in respect of
Amounts Subject to Pre-Basel III Treatment 0.00
of which: Total equity investment in other financial subsidiaries 0.00
27 Regulatory adjustments applied to Common Equity Tier 1 due to insufficient
Additional Tier 1 and Tier 2 to cover deductions 0.00
28 Total regulatory adjustments to Common equity Tier 1 2,352.84
29 Common Equity Tier 1 capital (CET1) 3,97,661.62
Additional Tier 1 capital: instruments
30 Directly issued qualifying Additional Tier 1 instruments plus related stock
surplus (31+32) 20,000.00
31 of which: classified as equity under applicable accounting standards
(Perpetual Non-Cumulative Preference Shares) 0.00
32 of which: classified as liabilities under applicable accounting standards
(Perpetual debt Instruments) 20,000.00 D8
33 Directly issued capital instruments subject to phase out from Additional Tier 1 0.00
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) 0.00
35 of which: instruments issued by subsidiaries subject to phase out 0.00
36 Additional Tier 1 capital before regulatory adjustments 20,000.00
Additional Tier 1 capital: regulatory adjustments
37 Investments in own Additional Tier 1 instruments 0.00
38 Reciprocal cross-holdings in Additional Tier 1 instruments 200.00
39 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 common share

- 426 -
 DF-11: Composition of Capital (` in Million)
Ref No.
(With respect to
DF-12; Step 2)

capital of the entity (amount above 10% threshold) 0.00

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) 0.00
41 National specific regulatory adjustments (41a+41b) 0.00
41a Investments in the Additional Tier 1 capital of unconsolidated insurance
subsidiaries 0.00
41b Shortfall in the Additional Tier 1 capital of majority owned financial entities
which have not been consolidated with the bank 0.00
Regulatory Adjustments Applied to Additional Tier 1 in respect of Amounts
Subject to Pre-Basel III Treatment 0.00
of which: Phase out form ATI 0.00
of which: existing adjustments which are deducted from Tier 1 at 50% 0.00
of which:DTA 0.00
42 Regulatory adjustments applied to Additional Tier 1 due to insufficient
Tier 2 to cover deductions 0.00
43 Total regulatory adjustments to Additional Tier 1 capital 2,00.00
44 Additional Tier 1 capital (AT1) 19,800.00
44a Additional Tier 1 capital reckoned for capital adequacy 19,800.00
45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 4,17,461.62
Tier 2 capital: instruments and provisions
46 Directly issued qualifying Tier 2 instruments plus related stock surplus 61,000.00 D7
47 Directly issued capital instruments subject to phase out from Tier 2 0.00
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) 0.00
49 of which: instruments issued by subsidiaries subject to phase out 0.00
50 Provisions (Including IFR) 42,960.59 Eligible Provisions+B9

51 Tier 2 capital before regulatory adjustments 1,03,960.59

Tier 2 capital: regulatory adjustments
52 Investments in own Tier 2 instruments 0.00
53 Reciprocal cross-holdings in Tier 2 instruments 0.00
54 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 common share
capital of the entity (amount above the 10% threshold) 0.00

- 427 -
 DF-11: Composition of Capital (` in Million)
Ref No.
(With respect to
DF-12; Step 2)

55 Significant investments in the capital banking, financial and insurance entities

that are outside the scope of regulatory consolidation
(net of eligible short positions) 0.00
56 National specific regulatory adjustments (56a+56b) 0.00
56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries 0.00
56b of which: Shortfall in the Tier 2 capital of majority owned financial entities
which have not been consolidated with the bank 0.00
Regulatory Adjustments Applied To Tier 2 in respect of Amounts Subject to
Pre-Basel III Treatment 0.00
of which: Phase out from Tier 2 Bonds 0.00
57 Total regulatory adjustments to Tier 2 capital 0.00
58 Tier 2 capital (T2) 1,03,960.59
58a Tier 2 capital reckoned for capital adequacy 1,03,960.59
58b Excess Additional Tier 1 capital reckoned as Tier 2 capital 0.00
58c Total Tier 2 capital admissible for capital adequacy (58a + 58b) 1,03,960.59
59 Total capital (TC = T1 + T2) (45 + 58c) 5,21,422.21
60 Total risk weighted assets (60a + 60b + 60c) 30,94,715.75
60a of which: total credit risk weighted assets 26,11,327.23
60b of which: total market risk weighted assets 1,46,450.43
60c of which: total operational risk weighted assets 3,36,938.10
Capital ratios
61 Common Equity Tier 1 (as a percentage of risk weighted assets) 12.84%
62 Tier 1 (as a percentage of risk weighted assets) 13.48%
63 Total capital (as a percentage of risk weighted assets) 16.84%
64 Institution specific buffer requirement (minimum CET1 requirement plus capital
conservation and countercyclical buffer requirements, expressed as a
percentage of risk weighted assets) 8.00%
65 of which: capital conservation buffer requirement 2.50%
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) 7.34%
National minima (if different from Basel III)

- 428 -
 DF-11: Composition of Capital (` in million)
Ref No.
(With respect to
DF-12; Step 2)

69 National Common Equity Tier 1 minimum ratio

(if different from Basel III minimum) 8.00%
70 National Tier 1 minimum ratio (if different from Basel III minimum)
including CCB 9.50%
71 National total capital minimum ratio (if different from Basel III minimum) 11.50%
Amounts below the thresholds for deduction (before risk weighting)
72 Non-significant investments in the capital of other financial entities 0.00
73 Significant investments in the common stock of financial entities 273.79
74 Mortgage servicing rights (net of related tax liability) 0.00
75 Deferred tax assets arising from temporary differences
(net of related tax liability) 48,589.05
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) 48,321.20 E1
77 Cap on inclusion of provisions in Tier 2 under standardised approach
(1.25% of Credit Risk RWA) 32,641.59
78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to
internal ratings-based approach (prior to application of cap) Not Applicable
79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach Not Applicable
Capital instruments subject to phase-out arrangements
80 Current cap on CET1 instruments subject to phase out arrangements 0.00
81 Amount excluded from CET1 due to cap
(excess over cap after redemptions and maturities) 0.00
82 Current cap on AT1 instruments subject to phase out arrangements 0.00
83 Amount excluded from AT1 due to cap
(excess over cap after redemptions and maturities) 0.00
84 Current cap on T2 instruments subject to phase out arrangements 0.00
85 Amount excluded from T2 due to cap
(excess over cap after redemptions and maturities) 0.00

- 429 -
 Notes to the Template

Row No.
of the Particular (` in million)
template

10 Deferred tax assets associated with accumulated losses 0.00

Deferred tax assets (excluding those associated with
accumulated losses) net of Deferred tax liability 3,88,025.00

Total as indicated in row 10 0.00

19 If investments in insurance subsidiaries are not

deducted fully from capital and instead considered under
10% threshold for deduction, the resultant increase in the
capital of bank 0.00
of which: Increase in Common Equity Tier 1 capital 0.00

of which: Increase in Additional Tier 1 capital 0.00

of which: Increase in Tier 2 capital 0.00

26b If investments in the equity capital of unconsolidated

non-financial subsidiaries are not deducted and hence,
risk weighted then: 0.00
(i) Increase in Common Equity Tier 1 capital 0.00
(ii) Increase in risk weighted assets 0.00
44a Excess Additional Tier 1 capital not reckoned for
capital adequacy (difference between Additional Tier 1
capital as reported in row 44 and admissible Additional
Tier 1 capital as reported in 44a) 0.00
of which: Excess Additional Tier 1 capital which is
considered as Tier 2 capital under row 58b 0.00
50 Eligible Provisions included in Tier 2 capital (Including IFR) 42,960.59
Eligible Revaluation Reserves included in Tier 2 capital 0.00

Total of row 50 42,960.59

- 430 -
 DF-12: Composition of Capital- Reconciliation Requirements - STEP 1 (` in Million)
Balance sheet Balance sheet
as in financial under regulatory
statements scope of
(Consolidated) consolidation
As on 31.03.2022 As on 31.03.2022
A Capital & Liabilities
i Paid-up Capital 12,454.41 12,454.41
Reserves & Surplus 4,37,064.88 4,34,896.54
Total Capital 4,49,519.29 4,47,350.95
Minority Interest 249.82 249.82
ii Deposits 59,35,708.75 59,35,753.69
of which: Deposits from banks 61,934.68 61,934.68
of which: Customer deposits 58,73,774.08 58,73,819.02
of which: Other deposits (pl. specify) 0.00 0.00
iii Borrowings 1,71,528.50 1,71,528.50
From RBI 0.00 0.00
From banks 70.66 70.66
borrowings outside India 18,592.47 18,592.47
From other institutions & agencies 1,52,865.37 1,52,865.37
of which: Capital instruments 81,000.00 81,000.00
iv Other liabilities & provisions 1,83,957.80 1,72,393.14
Total Liabilities 67,40,964.17 67,27,276.11

B Assets
i Cash and balances with Reserve Bank of India 2,40,544.63 2,40,544.11
Balance with banks and money at call and short notice 5,59,137.58 5,58,935.76
ii Investments: 17,65,016.11 17,55,395.59
of which: Government securities 14,25,565.92 14,20,890.07
of which: Other approved securities 72.47 0.00
of which: Shares 12,151.33 12,002.06
of which: Debentures & Bonds 3,07,397.21 3,04,423.52
of which: Subsidiaries / Joint Ventures / Associates 10,118.52 11,168.58
of which: Others (Commercial Papers, Mutual Funds etc.) 9,710.66 6,911.37
iii Loans and advances 38,91,860.63 38,91,860.63
of which: Loans and advances to banks 1,11,056.35 1,11,056.35
of which: Loans and advances to customers 37,80,804.29 37,80,804.29
iv Fixed assets 76,989.11 76,914.95
v Other assets 2,07,416.11 2,03,625.07
of which: Goodwill and intangible assets 0.00 0.00
of which: Deferred tax assets 38,856.87 38,802.50
vi Goodwill on consolidation 0.00 0.00
vii Debit balance in Profit & Loss account 0.00 0.00
Total Assets 67,40,964.17 67,27,276.11

- 431 -
 DF-12: Composition of Capital- Reconciliation Requirements-STEP 2 (` in Million)
Balance sheet Balance sheet
as in financial under regulatory Reference
statements scope of Number
(Consolidated) consolidation
As on 31.03.2022 As on 31.03.2022
Paid-up Capital 12,454.41 12,454.41 A
of which: Amount eligible for CET1 12,454.41 12,454.41 A1
Reserves & Surplus (1+2+3+4+5+6+7+8+9+10+11) 4,37,064.88 4,34,896.54 B
of which
1.Share Premium1.Share Premium 23,915.44 23,915.44 B1
2.Statutory Reserves2.Statutory Reserves 96,359.65 96,359.65 B2
3.Capital Reserves3.Capital Reserves 11,106.94 10,628.89 B3
4.Special Reserves4.Special Reserves 23,479.02 23,479.02 B4
of which special reserve net of Taxof which special reserve net of Tax 582.00 582.00 B4(i)
5.Revenue Reserves5.Revenue Reserves 1,53,132.62 1,53,132.62 B5
6.Profit and Loss account6.Profit and Loss account 10,717.61 9,027.31 B6
7.Amalgamation Reserve7.Amalgamation Reserve 40,069.16 40,069.16 B7
8.Revaluation Reserve8.Revaluation Reserve 62,110.23 62,110.23 B8
Revaluation Reserve (Part of CET 1 capital @ discount of 55%) 27,949.60 27,949.60 B8(i)
9.Investment Fluctuation Reserve9.Investment Reserve 10,319.00 10,319.00 B9
10.Foreign Currency Translation Reserve (FCTR) 3,972.38 3,972.38 B10
of which considered for Capital funds ( at 25% discount) 2,979.28 2,979.28 B10(i)
11.IRS Reserve 19.06 19.06 B11
12.Investment Reserve 1,863.78 1,863.78
Minority Interest 249.82 249.82 B12
Of which considered for Capital funds 0.00 0.00 B12(i)
Total Capital 4,49,769.12 4,47,600.77
Deposits 59,35,708.75 59,35,753.69 C
of which: Deposits from banks 61,934.68 61,934.68 C(i)
of which: Customer deposits 58,73,774.08 58,73,819.02 C(ii)
of which: Other deposits 0.00 0.00 C(iii)
Borrowings 1,71,528.50 1,71,528.50 D
From RBI 0.00 0.00 D1
From banks 70.66 70.66 D2
borrowings outside India 18,592.47 18,592.47 D3
From other institutions & agencies 1,52,865.37 1,52,865.37 D4
of which: Capital instruments 81,000.00 81,000.00 D4(i)
Upper Tier II Instruments ( Non Basel III Compliant) 0.00 0.00 D5
Lower Tier II Instruments ( Non Basel III Compliant) 0.00 0.00 D6
Tier II Instruments ( Basel III Complaint) 61,000.00 61,000.00 D7
Perpetual Debt Instruments qualifying for AT 1 20,000.00 20,000.00 D8
Other liabilities & provisions 1,83,957.80 1,72,393.14 E
General Provisions 48,321.20 48,321.20 E1
Total 67,40,964.17 67,27,276.11

- 432 -
 DF-12: Composition of Capital- Reconciliation Requirements-STEP 2 (` in Million)
Balance sheet Balance sheet
as in financial under regulatory Reference
statements scope of No.
(Consolidated) consolidation
As on 31.03.2022 As on 31.03.2022
Assets
Cash and balances with Reserve Bank of India 2,40,544.63 2,40,544.11
Balance with banks and money at call and short notice 5,59,137.58 5,58,935.76
Investments 17,65,016.11 17,55,395.59
of which: Government securities 14,25,565.92 14,20,890.07
of which: Other approved securities 72.47 0.00
of which: Shares 12,151.33 12,002.06
of which: Debentures & Bonds 3,07,397.21 3,04,423.52
of which: Subsidiaries / Joint Ventures / Associates 10,118.52 11,168.58
of which: Others (Commercial Papers, Mutual Funds etc.) 9,710.66 6,911.37
Loans and advances 38,91,860.63 38,91,860.63
of which: Loans and advances to banks 1,11,056.35 1,11,056.35
of which: Loans and advances to customers 37,80,804.29 37,80,804.29
Fixed assets 76,989.11 76,914.95
Other assets 2,07,416.11 2,03,625.07
of which: Goodwill and intangible assets 0.00 0.00
Out of which:
Goodwill 0 0
Other intangibles 0 0
Deferred tax assets (net) 38,856.87 38,802.50
Goodwill on consolidation 0.00 0.00
Debit balance in Profit & Loss account 0.00 0.00
Total Assets 67,40,964.17 67,27,276.11

Extract of Basel III common disclosure template – Table DF-11 STEP 3

Common Equity Tier 1 capital: instruments and reserves

Source based on reference

Component of
numbers/letters of the balance
regulatory capital
sheet under the regulatory scope
reported by bank
of consolidation from step 2

1 Directly issued qualifying common share (and equivalent for

non-joint stock companies) capital plus related stock surplus 36369.86 A1+B1
2 Retained earnings 9027.31
3 Accumulated other comprehensive income (and other reserves) 354617.29 B2+B3+B4+B5+B7+B8(i)+B10(i)+B11
4 Directly issued capital subject to phase out from CET1
(only applicable to non-joint stock companies) 0.00
5 Common share capital issued by subsidiaries and held by
third parties (amount allowed in group CET1) 0.00
6 Common Equity Tier 1 capital before regulatory adjustments 400014.46
7 Prudential valuation adjustments 0.00
8 Goodwill (net of related tax liability) 0.00

- 433 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A01011
3 Governing law(s) of the instrument Applicable Indian Laws and regulatory requirements
Regulatory treatment
4 Transitional Basel III rules Common Equity Tier 1
5 Post-transitional Basel III rules Eligible
6 Eligible at solo/group/ group & solo Group & Solo
7 Instrument type Common Shares
8 Amount recognised in regulatory capital (` in million) 12454.41
9 Par value of instrument (` in Million) Not Applicable
10 Accounting classification Share holder's equity
11 Original date of issuance various dates
12 Perpetual or dated Perpetual
13 OrigiOriginal maturity date Not Applicable
14 Issuer call subject to prior supervisory approval Not Applicable
15 Optional call date, contingent call dates and redemption amount
(` in Million) Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends Dividend
17 Fixed or floating dividend/coupon Dividend
18 Coupon rate and any related index Not Applicable
19 Existence of a dividend stopper Not Applicable
20 FullyFully discretionary, partially discretionary or mandatory Fully discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Not Applicable
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature No
31 If write-down, write-down trigger(s) Not Applicable
32 If write-down, full or partial Not Applicable
33 If write-down, permanent or temporary Not Applicable
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument Not Applicable
type immediately senior to instrument)
36 Non-compliant transitioned features No
37 If yes, specify non-compliant features Not Applicable

- 434 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08057
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1 Bonds
5 Post-transitional Basel III rules Additional Tier 1 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Additional Tier 1
(AT 1) Perpetual Bonds
8 Amount recognised in regulatory capital (` in Million) 10480
9 Par value of instrument (` in Million) 10480
10 Accounting classification Borrowings
11 Original date of issuance 08/12/2020
12 Perpetual or dated Perpetual
13 Original maturity date Perpetual
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date:08/12/2025
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.44% p.a.
19 Existence of a dividend stopper Yes
20 Fully discretionary, partially discretionary or mandatory Partially discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non Convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability(PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i). Subordinated to the claims of investors in equity
shares and perpetual non-cumulative preference
shares, if any, of the Issuer
(ii). Subordinated to the claims of all depositors and
general creditors and subordinated debt of the Issuer
other than subordinated debt qualifying as Additional
Tier1 Capital.
(iii). Pari passu without preference amongst
themselves and other subordinated debt classifying
as Additional Tier 1 Capital
(iv). Neither secured nor covered by a guarantee of the
Issuer nor related entity or other arrangement that
legally or economically enhances the seniority of the
claim vis-à-vis Bank creditors.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 435 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08065
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1 Bonds
5 Post-transitional Basel III rules Additional Tier 1 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Additional Tier 1 (AT 1)
Perpetual Bonds
8 Amount recognised in regulatory capital (` in Million) 5600
9 Par value of instrument (` in Million) 5600
10 Accounting classification Borrowings
11 Original date of issuance 14/12/2020.
12 Perpetual or dated Perpetual
13 Original maturity date Perpetual
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date:14/12/2025
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.44% p.a.
19 Existence of a dividend stopper Yes
20 Fully discretionary, partially discretionary or mandatory Partially discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non Convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) Superior to the claims of investors in equity shares
and perpetual non-cumulative preference shares, if
any, of the Issuer;
(ii) Subordinated to the claims of all depositors and
general creditors and subordinated debt of the Issuer
other than subordinated debt qualifying as Additional
Tier1 Capital (as the term is defined in the Basel III
Guidelines) of the Issuer;
(iii) Pari passu without preference amongst
themselves and other subordinated debt Classifying
as Additional Tier 1 Capital in terms of Basel III
Guidelines;
(iv) Neither secured nor covered by a guarantee of the
Issuer nor related entity or other arrangement that
legally or economically enhances the seniority of the
claim vis-à-vis Bank creditors.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 436 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08073
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Additional Tier 1 Bonds
5 Post-transitional Basel III rules Additional Tier 1 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Additional Tier 1 (AT 1)
Perpetual Bonds
8 Amount recognised in regulatory capital (` in Million) 3920
9 Par value of instrument (` in Million) 3920
10 Accounting classification Borrowings
11 Original date of issuance 30/12/2020.
12 Perpetual or dated Perpetual
13 Original maturity date Perpetual
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date:30/12/2025
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.44% p.a.
19 Existence of a dividend stopper Yes
20 Fully discretionary, partially discretionary or mandatory Partially discretionary
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non Convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) Superior to the claims of investors in equity shares
and perpetual non-cumulative preference shares, if
any, of the Issuer;
(ii) Subordinated to the claims of all depositors and
general creditors and subordinated debt of the Issuer
other than subordinated debt qualifying as Additional
Tier1 Capital (as the term is defined in the Basel III
Guidelines) of the Issuer;
(iii) Pari passu without preference amongst
themselves and other subordinated debt
classifying as Additional Tier 1 Capital in terms of
Basel III Guidelines;
(iv) Neither secured nor covered by a guarantee of
the Issuer nor related entity or other arrangement
that legally or economically enhances the seniority
of the claim vis-à-vis Bank creditors.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 437 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08024
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 2900
9 Par value of instrument (` in Million) 2900
10 Accounting classification Borrowings
11 Original date of issuance 30/10/2018
12 Perpetual or dated Dated
13 Original maturity date 30/10/2028
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date: 30/10/2023
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.90% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) Senior to the claims of Investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) Subordinate to the claims of all depositors and
general creditors of the Bank;
(iii) Neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis Bank creditors
(iv) Unless the terms of any subsequent issuance of
bonds/debentures by the Bank specifies that the
claims of such subsequent bond holders are senior or
subordinate to the Bonds issued under this
information Memorandum or unless the RBI specifies
otherwise in its guidelines, the claims of the Bond
holders shall remain the pari passu with claims of
holders of such subsequent debentures/bond
issuances; and shall be on pari passu ranking with
holders of other Tier 2 instruments issued by the Bank
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 438 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08032
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 1100
9 Par value of instrument (` in Million) 1100
10 Accounting classification Borrowings
11 Original date of issuance 06/11/2018
12 Perpetual or dated Dated
13 Original maturity date 06/11/2028
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date: 06/11/2023
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.85% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) Senior to the claims of Investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) Subordinate to the claims of all depositors and
general creditors of the Bank;
(iii) Neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis Bank creditors
(iv) Unless the terms of any subsequent issuance of
bonds/debentures by the Bank specifies that the
claims of such subsequent bond holders are senior or
subordinate to the Bonds issued under this
information Memorandum or unless the RBI specifies
otherwise in its guidelines, the claims of the Bond
holders shall remain the pari passu with claims of
holders of such subsequent debentures/bond
issuances; and shall be on pari passu ranking with
holders of other Tier 2 instruments issued by the Bank.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 439 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08040
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 6000
9 Par value of instrument (` in Million) 6000
10 Accounting classification Borrowings
11 Original date of issuance 22/01/2019
12 Perpetual or dated Dated
13 Original maturity date 22/01/2029
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date: 22/01/2024
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.53% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) Senior to the claims of Investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) Subordinate to the claims of all depositors and
general creditors of the Bank;
(iii) Neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis Bank creditors
(iv) Unless the terms of any subsequent issuance of
bonds/debentures by the Bank specifies that the
claims of such subsequent bond holders are senior or
subordinate to the Bonds issued under this
information Memorandum or unless the RBI specifies
otherwise in its guidelines, the claims of the Bond
holders shall remain the pari passu with claims of
holders of such subsequent debentures/bond
issuances; and shall be on pari passu ranking with
holders of other Tier 2 instruments issued by the Bank.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 440 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE428A08028
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 5000
9 Par value of instrument (` in Million) 5000
10 Accounting classification Borrowings
11 Original date of issuance 20/01/2015
12 Perpetual or dated Dated
13 Original maturity date 20/01/2025
14 Issuer call subject to prior supervisory approval Not Available
15 Optional call date, contingent call dates and redemption amount
(` in Million) Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.78% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) senior to the claims of investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) subordinate to the claims of all depositors and
general creditors of the Bank; and
(iii) neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis creditors of the Bank
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 441 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE428A08044
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 10000
9 Par value of instrument (` in Million) 10000
10 Accounting classification Borrowings
11 Original date of issuance 21/12/2015
12 Perpetual or dated Dated
13 Original maturity date 20/12/2025
14 Issuer call subject to prior supervisory approval Not Available
15 Optional call date, contingent call dates and redemption amount
(` in Million) Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.64% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) senior to the claims of investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) subordinate to the claims of all depositors and
general creditors of the Bank; and
(iii) neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis creditors of the Bank
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 442 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE428A08051
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 10000
9 Par value of instrument (` in Million) 10000
10 Accounting classification Borrowings
11 Original date of issuance 25/01/2017
12 Perpetual or dated Dated
13 Original maturity date 25/01/2027
14 Issuer call subject to prior supervisory approval Not Available
15 Optional call date, contingent call dates and redemption amount
(` in Million) Not Applicable
16 Subsequent call dates, if applicable Not Applicable
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 8.15% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) senior to the claims of investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) subordinate to the claims of all depositors and
general creditors of the Bank; and
(iii) Neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis creditors of the Bank.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 443 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE428A08101
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million) 15000
9 Par value of instrument (` in Million) 15000
10 Accounting classification Borrowings
11 Original date of issuance 27/12/2019
12 Perpetual or dated Dated
13 Original maturity date 27/12/2029
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date:27/12/2024
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 9.53% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall be
type immediately senior to instrument) (i) senior to the claims of investors in instruments
eligible for inclusion in Tier 1 capital of the Bank;
(ii) subordinate to the claims of all depositors and
general creditors of the Bank; and
(iii) Neither secured nor covered by a guarantee of the
Bank or related entity or other arrangement that legally
or economically enhances the seniority of the claim
vis-à-vis creditors of the Bank.
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 444 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
S.No Particulars Tier 2 Bonds - Series V
1 Issuer Indian Bank
2 Unique identifier (e.g. CUSIP, ISIN or Bloomberg identifier for
private placement) INE562A08081
3 Governing law(s) of the instrument Indian Laws
Regulatory treatment
4 Transitional Basel III rules Tier 2 Bonds
5 Post-transitional Basel III rules Tier 2 Bonds
6 Eligible at solo/group/ group & solo Solo & Group
7 Instrument type Basel III compliant Tier 2 Bond
8 Amount recognised in regulatory capital (` in Million as of 30.09.2021) 20000
9 Par value of instrument (` in Million) 20000
10 Accounting classification Borrowings
11 Original date of issuance 13/01/2021
12 Perpetual or dated Dated
13 Original maturity date 13/01/2031
14 Issuer call subject to prior supervisory approval Yes
15 Optional call date, contingent call dates and redemption amount Call Option Date:13/01/2026
(` in Million) Redemption amount - At Par
16 Subsequent call dates, if applicable Any coupon payment date after first call due date
Coupons / dividends Coupon
17 Fixed or floating dividend/coupon Fixed
18 Coupon rate and any related index 6.18% p.a.
19 Existence of a dividend stopper No
20 Fully discretionary, partially discretionary or mandatory Mandatory
21 Existence of step up or other incentive to redeem No
22 Noncumulative or cumulative Non-cumulative
23 Convertible or non-convertible Non-convertible
24 If convertible, conversion trigger(s) Not Applicable
25 If convertible, fully or partially Not Applicable
26 If convertible, conversion rate Not Applicable
27 If convertible, mandatory or optional conversion Not Applicable
28 If convertible, specify instrument type convertible into Not Applicable
29 If convertible, specify issuer of instrument it converts into Not Applicable
30 Write-down feature Yes
31 If write-down, write-down trigger(s) At Point of Non Viability (PONV) as set by RBI
32 If write-down, full or partial Fully or Partially as per discretion of RBI
33 If write-down, permanent or temporary Subject to Permanent write-off upon occurrence of
the trigger event called PONV as determined by RBI
34 If temporary write-down, description of write-up mechanism Not Applicable

- 445 -
 Table DF-13: Main Features of Regulatory Capital Instruments
Disclosure template for main features of regulatory capital instruments
35 Position in subordination hierarchy in liquidation (specify instrument The claims of the Bondholders shall –
type immediately senior to instrument) (i) be senior to the claims of investors in instruments
eligible for inclusion in Tier 1 Capital issued by the
Bank;
(ii) be subordinated to the claims of all depositors and
general creditors of the Bank;
(iii) neither be secured nor covered by any guarantee
of the Issuer or its related entity or other arrangement
that legally or economically enhances the seniority of
the claim vis -a-vis creditors of the Bank;
(iv)unless the terms of any subsequent issuance of
bonds/debentures by the Bank specifies that the
claims of such subsequent bond holders are senior or
subordinate to the Bonds issued under this Disclosure
Document or unless the RBI specifies otherwise in its
guidelines, the claims of the Bondholders shall be pari
passu with claims of holders of such subsequent
debentures/bond issuances of the Bank; and
(v) rank pari passu without preference amongst
themselves
36 Non-compliant transitioned features Not Applicable
37 If yes, specify non-compliant features Not Applicable

- 446 -
 Table DF-14: Full Terms and Conditions of Regulatory Capital Instruments
Terms and conditions for Basel III compliant Bonds
S.No Particulars Additional Tier 1 Bonds Series II
1 Security Description 8.44% Listed, Unsecured, Subordinated, Non-Convertible, Fully Paid Up, Taxable, Perpetual, Basel III
Compliant Additional Tier 1 Bonds (AT 1) in the nature of Debentures of `10Lakh each aggregating to
` 1048 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 07/12/2020
5 Date of closing of the issue 07/12/2020
6 Series Series II
7 ISIN Code INE562A08057
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 1048 Crore
11 Date of allotment 08/12/2020
12 Date of maturity Perpetual instruments
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the Trustee
not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice shall
specify the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call option on
the outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date ofAllotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the Regulatory
Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with the
instrument with better regulatory classification or lower coupon with same regulatory classification with
prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced that
the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the Bonds.
14 Amount to be matured NotApplicable
15 Coupon rate (fixed) 8.44% p.a .
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 08 December every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 08/12/2021

- 447 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Additional Tier 1 Bonds Series III
1 Security Description 8.44% Listed, Unsecured, Subordinated, Non-Convertible, Fully Paid Up, Taxable, Perpetual, Basel III
Compliant Additional Tier 1 Bonds (AT 1) in the nature of Debentures of `10Lakh each aggregating to
` 560 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 11/12/2020
5 Date of closing of the issue 11/12/2020
6 Series Series III
7 ISIN Code INE562A08065
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 560 Crore
11 Date of allotment 14/12/2020
12 Date of maturity Perpetual instruments
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the
Trustee not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice
shall specify the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call
option on the outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date of Allotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the
Regulatory Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with
the instrument with better regulatory classification or lower coupon with same regulatory classification
with prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced
that the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the
Bonds.
14 Amount to be matured NotApplicable
15 Coupon rate (fixed) 8.44%
16 Frequency of Interest Annual and Non Cumulative
17 Interest due dates 14th December every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 14/12/2021

- 448 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Additional Tier 1 Bonds Series IV
1 Security Description 8.44% Listed, Unsecured, Subordinated, Non-Convertible, Fully Paid Up, Taxable, Perpetual, Basel III
Compliant Additional Tier 1 Bonds (AT 1) in the nature of Debentures of ` 10Lakh each aggregating to
` 392 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 29/12/2020
5 Date of closing of the issue 29/12/2020
6 Series Series IV
7 ISIN Code INE562A08073
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 392 Crore
11 Date of allotment 30/12/2020
12 Date of maturity Perpetual instruments
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the Trustee
not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice shall specify
the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call option on the
outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date of Allotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the
Regulatory Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with
the instrument with better regulatory classification or lower coupon with same regulatory classification
with prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced
that the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the
Bonds.
14 Amount to be matured NotApplicable
15 Coupon rate (fixed) 8.44%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 30 December every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 30/12/2021

- 449 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bonds - Tranche A
1 Security Description 8.90% Unsecured, Fully paid-up, Non-Convertible, Redeemable, Subordinated Basel-III Compliant
Tier II Bonds in the nature of Debentures of ` 10 Lakh each aggregating to ` 290 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 26/10/2018
5 Date of closing of the issue 26/10/2018
6 Series TrancheA
7 ISIN Code INE562A08024
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 290 Crore
11 Date of allotment 30/10/2018
12 Date of maturity 30/10/2028
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the
Trustee not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice
shall specify the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call
option on the outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date ofAllotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the
Regulatory Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with
the instrument with better regulatory classification or lower coupon with same regulatory classification
with prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced
that the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the
Bonds.
14 Amount to be matured ` 290 Crore
15 Coupon rate (fixed) 8.90%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 30 October every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 30/10/2019

- 450 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bonds - Tranche B
1 Security Description 8.85% Unsecured, Fully paid-up, Non-Convertible, Redeemable, Subordinated Basel-III Compliant
Tier II Bonds in the nature of Debentures of ` 10 Lakh each aggregating to ` 110 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 02/11/2018
5 Date of closing of the issue 02/11/2018
6 Series Tranche B
7 ISIN Code INE562A08032
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 110 Crore
11 Date of allotment 06/11/2018
12 Date of maturity 06/11/2028
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the Trustee
not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice shall specify
the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call option on the
outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date ofAllotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the
Regulatory Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with
the instrument with better regulatory classification or lower coupon with same regulatory classification
with prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced
that the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the
Bonds.
14 Amount to be matured ` 110 Crore
15 Coupon rate (fixed) 8.85%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 6 November every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 06/11/2019

- 451 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bonds - Tranche C
1 Security Description 8.53% Unsecured, Fully paid-up, Non-Convertible, Redeemable, Subordinated Basel-III Compliant
ier II Bonds in the nature of Debentures of ` 10 Lakh each aggregating to ` 600 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 18/01/2019
5 Date of closing of the issue 18/01/2019
6 Series Tranche C
7 ISIN Code INE562A08040
8 Face Value per instrument ` 10,00,000
9 Paid up value per instrument ` 10,00,000
10 Issue Size ` 600 Crore
11 Date of allotment 22/01/2019
12 Date of maturity 22/01/2029
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion, having notified the Trustee
not less than 21 calendar days prior to the date of exercise of such issuer call (Which notice shall specify
the date fixed for exercise of the issuer Call (The “Issuer call date”), may exercise a call option on the
outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth anniversary from the
Deemed Date of Allotment i.e. the fifth Coupon Payment Date or on any Coupon Payment Date
thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing, then the issuer may, having
notified the Trustee not less than 21 calendar days prior to the date of exercise of such Tax Call or
Variation (Which notice shall specify the date fixed for exercise of the Tax Call or Variation “Tax Call
Date”), may exercise a call on the Bonds or substitute the Bonds or vary the terms of the Bonds so that
the Bonds have better classification. A Tax event has occurred if, as a result of any change in, or
amendment to, the laws affecting taxation or regulations or rulings promulgated there under in India or
any change in the official application of such laws, regulations or rulings; the Issuer will no longer be
entitled to claim a deduction in respect of computing its taxation liabilities with respect to coupon on
Bonds. The exercise of Tax Call by the Issuer is subject to requirements set out in the applicable RBI
Guidelines (as defined below). RBI will permit the Issuer to exercise the Tax Call only if the RBI is
convinced that the issuer was not in a position to anticipate the Tax Event at the time of issuance of the
Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred and continuing, then the
issuer may, having notified the Trustee not less than 21 calendar days prior to the date of exercise of
such Regulatory Call or Variation (Which notice shall specify the date fixed for exercise of the
Regulatory Call or Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace with
the instrument with better regulatory classification or lower coupon with same regulatory classification
with prior approval of RBI or substitute the Bonds or vary the terms of the Bonds so that the Bonds have
better classification.
ARegulatory event is deemed to have occurred if there is a downgrade of the Bonds in regulatory
classification e.g. Bonds are excluded from the regulatory Tier 1 Capital of the Issuer. The exercise of
Regulatory Call by the Issuer is subject to requirements set out in the applicable RBI Guidelines (as
defined below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI is convinced
that the issuer was not in a position to anticipate the Regulatory Event at the time of issuance of the
Bonds.
14 Amount to be matured ` 600 Crore
15 Coupon rate (fixed) 8.53%
16 Frequency of Interest Annual and Non Cumulative
17 Interest due dates 22nd January every year till redemption/ Exercise of Call Option subject to holiday convention
18 First Interest Payment date 22/01/2020

- 452 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bonds - Series I
1 Security Description 8.78% Unsecured, Fully paid-up, Non-Convertible, Redeemable, Basel III
Compliant Tier II Bonds in the nature of Debentures of ` 10 Lakh each
aggregating to ` 500 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 14/01/2015
5 Date of closing of the issue 16/01/2015
6 Series Series I
7 ISIN Code INE428A08028
8 Face Value per instrument `10,00,000
9 Paid up value per instrument `10,00,000
10 Issue Size `500 Crore
11 Date of allotment 20/01/2015
12 Date of maturity 20/01/2025
13 Call Option Not Available
14 Amount to be matured `500 Crore
15 Coupon rate (fixed) 8.78%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 20 January every year subject to holiday convention
18 First Interest Payment date 20/01/2016

Terms and conditions for Basel III compliant Bonds

S.No Particulars Tier 2 Bonds - Series II
1 Security Description 8.64% Unsecured, Non-Convertible, Redeemable, Basel-III Compliant Tier II
Bonds in the nature of Debentures of 10 Lakh each aggregating to Rs. 1000
Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 18/12/2015
5 Date of closing of the issue 18/12/2015
6 Series Series II
7 ISIN Code INE428A08044
8 Face Value per instrument `10,00,000
9 Paid up value per instrument `10,00,000
10 Issue Size `1000 Crore
11 Date of allotment 21/12/2015
12 Date of maturity 20/12/2025
13 Call Option Not Available
14 Amount to be matured `1000 Crore
15 Coupon rate (fixed) 8.64%
16 Frequency of Interest Annual and Non Cumulative
st
17 Interest due dates 21 December every year subject to holiday convention
18 First Interest Payment date 21/12/2016

- 453 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bond - Series III
1 Security Description 8.15% Unsecured, Non-Convertible, Redeemable, Basel III Compliant Tier II
Bonds in the nature of Debentures of ` 10 Lakh each aggregating to ` 1000 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 25/01/2017
5 Date of closing of the issue 25/01/2017
6 Series Series III
7 ISIN Code INE428A08051
8 Face Value per instrument `10,00,000
9 Paid up value per instrument `10,00,000
10 Issue Size `1000 Crore
11 Date of allotment 25/01/2017
12 Date of maturity 25/01/2027
13 Call Option Not Available
14 Amount to be matured `1000 Crore
15 Coupon rate (fixed) 8.15%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 25 January every year subject to holiday convention
18 First Interest Payment date 25/01/2018

- 454 -
 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bond – Series IV
1 Security Description 9.53% Unsecured, Non-Convertible, Redeemable, Basel III Compliant Tier II
Bonds in the nature of Debentures of ` 10 Lakh each aggregating to ` 1500
Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 26/12/2019
5 Date of closing of the issue 26/12/2019
6 Series Series IV
7 ISIN Code INE428A08101
8 Face Value per instrument `10,00,000
9 Paid up value per instrument `10,00,000
10 Issue Size `1500 Crore
11 Date of allotment 27/12/2019
12 Date of maturity 27/12/2029
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion,
having notified the Trustee not less than 21 calendar days prior to the date of
exercise of such issuer call (Which notice shall specify the date fixed for exercise
of the issuer Call (The “Issuer call date”), may exercise a call option on the
outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth
anniversary from the Deemed Date of Allotment i.e. the fifth Coupon Payment
Date or on any Coupon Payment Date thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing,
then the issuer may, having notified the Trustee not less than 21 calendar days
prior to the date of exercise of such Tax Call or Variation (Which notice shall
specify the date fixed for exercise of the Tax Call or Variation “Tax Call Date”),
may exercise a call on the Bonds or substitute the Bonds or vary the terms of the
Bonds so that the Bonds have better classification. A Tax event has occurred if,
as a result of any change in, or amendment to, the laws affecting taxation or
regulations or rulings promulgated there under in India or any change in the
official application of such laws, regulations or rulings; the Issuer will no longer
be entitled to claim a deduction in respect of computing its taxation liabilities with
respect to coupon on Bonds. The exercise of Tax Call by the Issuer is subject to
requirements set out in the applicable RBI Guidelines (as defined below). RBI
will permit the Issuer to exercise the Tax Call only if the RBI is convinced that the
issuer was not in a position to anticipate the Tax Event at the time of issuance of
the Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred
and continuing, then the issuer may, having notified the Trustee not less than 21
calendar days prior to the date of exercise of such Regulatory Call or Variation
(Which notice shall specify the date fixed for exercise of the Regulatory Call or
Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace
with the instrument with better regulatory classification or lower coupon with
same regulatory classification with prior approval of RBI or substitute the Bonds
or vary the terms of the Bonds so that the Bonds have better classification.
A Regulatory event is deemed to have occurred if there is a downgrade of the
Bonds in regulatory classification e.g. Bonds are excluded from the regulatory
Tier 1 Capital of the Issuer. The exercise of Regulatory Call by the Issuer is
subject to requirements set out in the applicable RBI Guidelines (as defined
below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI
is convinced that the issuer was not in a position to anticipate the Regulatory
Event at the time of issuance of the Bonds.
14 Amount to be matured `1500 Crore
15 Coupon rate (fixed) 9.53%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 27 December every year till redemption/ Exercise of Call Option subject to
holiday convention
18 First Interest Payment date 27/12/2020

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 Terms and conditions for Basel III compliant Bonds
S.No Particulars Tier 2 Bonds - Series V
1 Security Description 6.18% Listed, Unsecured, Redeemable, Subordinated, Non-Convertible, Fully
Paid Up, Taxable, Basel III Compliant Tier II Bonds in the nature of Debentures
of ` 10 Lakh each aggregating to ` 2000 Crore
2 Security offered through Private Placement
3 Tax status Taxable
4 Date of opening of the issue 12/01/2021
5 Date of closing of the issue 12/01/2021
6 Series Series V
7 ISIN Code INE562A08081
8 Face Value per instrument `10,00,000
9 Paid up value per instrument `10,00,000
10 Issue Size `2000 Crore
11 Date of allotment 13/01/2021
12 Date of maturity 13/01/2031
13 Call Option (i) Issuer Call: The issuer, with prior approval of RBI may at its sole discretion,
having notified the Trustee not less than 21 calendar days prior to the date of
exercise of such issuer call (Which notice shall specify the date fixed for exercise
of the issuer Call (The “Issuer call date”), may exercise a call option on the
outstanding Bonds.
The Issuer Call, which is discretionary, may or may not be exercised on the fifth
anniversary from the Deemed Date of Allotment i.e. the fifth Coupon Payment
Date or on any Coupon Payment Date thereafter.
(ii)Tax call: If a Tax Event (As described below) has occurred and continuing,
then the issuer may, having notified the Trustee not less than 21 calendar days
prior to the date of exercise of such Tax Call or Variation (Which notice shall
specify the date fixed for exercise of the Tax Call or Variation “Tax Call Date”),
may exercise a call on the Bonds or substitute the Bonds or vary the terms of the
Bonds so that the Bonds have better classification. A Tax event has occurred if,
as a result of any change in, or amendment to, the laws affecting taxation or
regulations or rulings promulgated there under in India or any change in the
official application of such laws, regulations or rulings; the Issuer will no longer
be entitled to claim a deduction in respect of computing its taxation liabilities with
respect to coupon on Bonds. The exercise of Tax Call by the Issuer is subject to
requirements set out in the applicable RBI Guidelines (as defined below). RBI
will permit the Issuer to exercise the Tax Call only if the RBI is convinced that the
issuer was not in a position to anticipate the Tax Event at the time of issuance of
the Bonds.
(iii) Regulatory Call: If a Regulatory Event (As described below) has occurred
and continuing, then the issuer may, having notified the Trustee not less than 21
calendar days prior to the date of exercise of such Regulatory Call or Variation
(Which notice shall specify the date fixed for exercise of the Regulatory Call or
Variation “Regulatory Call Date”), may exercise a call on the Bonds and replace
with the instrument with better regulatory classification or lower coupon with
same regulatory classification with prior approval of RBI or substitute the Bonds
or vary the terms of the Bonds so that the Bonds have better classification.
A Regulatory event is deemed to have occurred if there is a downgrade of the
Bonds in regulatory classification e.g. Bonds are excluded from the regulatory
Tier 1 Capital of the Issuer. The exercise of Regulatory Call by the Issuer is
subject to requirements set out in the applicable RBI Guidelines (as defined
below). RBI will permit the Issuer to exercise the Regulatory Call only if the RBI
is convinced that the issuer was not in a position to anticipate the Regulatory
Event at the time of issuance of the Bonds.
14 Amount to be matured `2000 Crore
15 Coupon rate (fixed) 6.18%
16 Frequency of Interest Annual and Non Cumulative
th
17 Interest due dates 13 January every year till redemption/ Exercise of Call Option subject to
holiday convention
18 First Interest Payment date 13/01/2022

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 Table DF-15: Disclosure Requirements for Remuneration

---------------------------Not applicable--------------------------------

As per RBI Master Circular on Basel III, this table is only applicable to all private sector and foreign
banks operating in India.

Table DF-16: Equities-Disclosure for Banking Book Positions

Investments are classified at the time of purchase into Held for trade (HFT), Available for Sale
(AFS) and Held to Maturity (HTM) categories in line with the RBI master circular on Prudential
Norms for classification, valuation and operation of investments portfolio by Banks. Investments
that are held principally for sale within a short period are classified as HFT securities. Investments
that the Bank intends to hold till maturity are classified under the HTM category. Investments in the
equity of subsidiaries/joint ventures are categorized as HTM in accordance with the RBI guidelines.
All other investments are classified as AFS securities.

Equity investments under the HTM category are carried at acquisition cost. Equity investments
under the banking book are the Bank’s investments in subsidiaries and associates. As on
31.03.2022, Book value of equity shares under Banking book is ` 2521.02 million.

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Table DF 17- Summary comparison of accounting assets vs. leverage ratio exposure measure
(` in Million)
Item
Total consolidated assets as per published financial Statement 67,27,651.11
Adjustment for investments in banking, financial, insurance or commercial entities that are consolidated
for accounting purposes but outside the scope of regulatory consolidation (1,050.00)
Adjustment for fiduciary assets recognised on the balance sheet pursuant to the operative accounting
framework but excluded from the leverage ratio exposure measure 0.00
Adjustments for derivative financial instruments 65,287.98
Adjustment for securities financing transactions (i.e. repos and similar secured lending) 10,878.07
Adjustment for off-balance sheet items (i.e. conversion to credit equivalent amounts of off- balance sheet
exposures) 4,30,453.72
Other adjustments (1,502.84)
Leverage ratio exposure 72,31,718.04

DF 18 – Leverage ratio common disclosure template (` in Million)

On-balance sheet exposures Consolidated
1 On-balance sheet items (excluding derivatives and SFTs, but including collateral) 63,82,649.11
2 (Asset amounts deducted in determining Basel III Tier 1 capital) (2,552.84)
3 Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) 63,80,096.27
Derivative exposures
4 Replacement cost associated with all derivatives transactions (i.e. net of eligible cash variation margin) 9,421.52
5 Add-on amounts for PFE associated with all derivatives transactions 55,866.45
6 Gross-up for derivatives collateral provided where deducted from the balance sheet assets pursuant
to the operative accounting framework 0.00
7 (Deductions of receivables assets for cash variation margin provided in derivatives transactions) 0.00
8 (Exempted CCP leg of client-cleared trade exposures) 0.00
9 Adjusted effective notional amount of written credit derivatives 0.00
10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives) 0.00
11 Total derivative exposures (sum of lines 4 to 10) 65,287.98
Securities financing transaction exposures
12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting transactions 3,45,002.01
13 (Netted amounts of cash payables and cash receivables of gross SFT assets) 0.00
14 CCR exposure for SFT assets 10,878.07
15 Agent transaction exposures 0.00
16 Total securities financing transaction exposures (sum of lines 12 to 15) 3,55,880.07
Other off-balance sheet exposures
17 Off-balance sheet exposure at gross notional amount 13,97,002.98
18 (Adjustments for conversion to credit equivalent amounts) (9,66,549.26)
19 Off-balance sheet items (sum of lines 17 and 18) 4,30,453.72
Capital and total exposures
20 Tier 1 capital 4,17,461.62
21 Total exposures (sum of lines 3, 11, 16 and 19) 72,31,718.04
Leverage ratio
22 Basel III leverage ratio 5.77%

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NOTES

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NOTES

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