Professional Documents
Culture Documents
met®evee
efvejblej cetu³e mebJeOe&ve
nsleg lelhej
efjheesì&
READY FOR
CONSISTENT VALUE CREATION
efJeÊeer³e
2021-22
Jeeef<e&keÀ efjheesì& 2021-22
02 Jeeef<e&keÀ efjheesì& 2021-22
efvejblej cetu³e mebJeOe&ve
nsleg lelhej
efheíues kegÀí Je<eeX ceW, nceves mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀes ueeYehe´o
yeveeves kesÀ efueS keÀF& efveCee&³ekeÀ Deewj megOeejelcekeÀ keÀoce GþeS nQ.
nj keÀoce hej, nceves Deheves $eÝCe #es$e ceW keÀe³e& efve<heeove, ueeYehe´olee,
Jemetueer, Deeeqmle iegCeJeÊee Deewj hetbpeer efvecee&Ce keÀer ieefle ceW megOeej keÀjves
ceW keÀesF& keÀmej Mes<e veneR íesæ[er. nceejer Je<eeX keÀer ³eespevee SJeb iebYeerjlee
kesÀ þesme heefjCeece Deye efoKeves ueies nQ.
ueieeleej ín Je<eeX lekeÀ Ieeìs ceW jnves kesÀ yeeo, nce efJeÊe Je<e& 2022 ceW ueeYehe´o eqmLeefle ceW Dee ieS nQ.
³en mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ceW SkeÀ heefjJele&vekeÀejer ³ee$ee keÀe heefjCeece nw, efpemekesÀ heefjCeecemJeªhe
efheíues kegÀí Je<eeX ceW nceejer yewueWme Meerì ceW ue®eerueeheve, Deeeqmle iegCeJeÊee keÀer he´Je=efle, yesnlej lejuelee,
DeefOekeÀ ef[efpeìueerkeÀjCe SJeb GlheeokeÀlee ueeYe leLee yesnlej hetbpeer eqmLeefle ceW efvejblej megOeej ngDee nw.
Deepe cetu³e me=peve keÀer nceejer keÀneveer ves SkeÀ ve³ee ceesæ[ efue³ee nw. Deeies yeæ{les ngS, nce SkeÀ he´ieefleMeerue
Yeejle nsleg SkeÀ cepeyetle Yeeieeroej yeveves keÀe Fjeoe jKeles nQ. nce mJe³eb keÀes he´ewÐeesefiekeÀer me#ece Deewj
yewkeÀSb[ meb®eeueve Üeje mecee|Lele ef[efpeìue mebieþve kesÀ ªhe ceW yeoueves nsleg he´efleye× nQ. pewmes-pewmes
ef[efpeìue DeLe&J³eJemLee HeÀue-HetÀue jner nw, nce Yeer mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀes Deheves mecekeÀ#eeW kesÀ
meceeve ceuìer-®ewveue huesìHeÀeceeX ceW Deheveer GheeqmLeefle yeæ{eles ngS Deeies yeæ{ jns nQ. nceeje ue#³e Deheves
ie´enkeÀeW keÀes GvekeÀer DeekeÀeb#eeSb hetCe& keÀjves ceW ceoo keÀjvee leLee GvekeÀer efove-he´efleefove keÀer yeQeEkeÀie keÀes
menpe, megiece SJeb megjef#ele yeveevee nw.
efheíues 111 Je<eeX kesÀ Meeveoej Fefleneme kesÀ oewjeve, DeehekesÀ yeQkeÀ ves keÀF& letHeÀeveeW keÀes Pesuee nw leLee
DeveskeÀ ®egveewefle³eeW keÀe meecevee efkeÀ³ee nw, efpemeceW nj yeej nce Deewj cepeyetle neskeÀj GYejs nQ. Deepe, nce
DeLe&J³eJemLee ceW Del³eefOekeÀ he´emebefiekeÀ leLee ³eesieoeve oelee yeQkeÀ yeveves kesÀ efMeKej hej nQ. Deeies yeæ{les
ngS, nce he´l³eskeÀ J³eeJemeeef³ekeÀ FkeÀeF& nsleg Deheves cegK³e heefj®eeueve ueeYe kesÀ ue#³eeW keÀes hetje keÀjves SJeb
DeejDeesS ceW megOeej keÀjves kesÀ Deheves ue#³eeW keÀes he´ehle keÀjves kesÀ he´³eeme peejer jKeWies. nj iegpejles meeue kesÀ
meeLe, nce efpeccesoej yeQkeÀj kesÀ ªhe ceW Deheveer meceie´ yewueWme Meerì keÀes cepeyetle keÀjves keÀer efoMee ceW Deheveer
³ee$ee ceW ¢æ{ yeves jnves keÀe Fjeoe jKeles nQ.
Today, our story of value creation has taken a fresh course. Going forward,
we intend to be a strong partner to a progressing India. We are committed to
transforming ourselves into a digitalised organisation, supported by technology-
enabled frontend and backend operations. As the digital economy is thriving, we,
too, are moving forward with growing our presence in multi-channel platforms,
keeping Central Bank of India at par with its peers. We aim to continue helping
our customers realise their aspirations and make their day-to-day banking
intuitive, easy, and secure.
During the past 111 years of illustrious history, your Bank has weathered many
storms and faced many challenges, only to emerge stronger each time. Today,
we are at the tipping point of becoming a highly relevant and contributing bank
to the economy. Going forward, we will continue pursuing our goals of meeting
our core operating profit targets for each business unit and improving our ROA.
With every passing year, we intend to be steadfast in our ongoing journey towards
strengthening our overall balance sheet while being responsible bankers.
jCeveerefle STRATEGY
keÀe@heexjsì met®evee 07 Corporate Information 07
efveosMekeÀ ceb[ue 08 Board of Directors 08
keÀe³ee&lcekeÀ ÒeYeejer 10 Functional Heads 11
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee efJe<e³ekeÀ 12 About Central Bank of India 14
keÀe³e&efve<heeove JewefMeäîe 16 Performance Highlights 18
he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀe mebosMe 20 Message from the Desk of MD and CEO 24
Gvvele yeQefkebÀie nsleg ef[efpeìueer meMekeÌle yevevee 28 Becoming digitally empowered for 32
meceie´ ef[efpeìue heefjJele&ve peejer advanced banking
Undergoing wholesale Digital Transformation
efJeÊeer³e Je<e& 2022 :efJeéeeme hegvemLee&efhele keÀjves keÀe Je<e& 36
FY2022: the year of reinstated conviction 40
Deeieeceer Je<ees& nsleg cetu³e mebJeOe&ve kesÀ efueS lew³eej Prepared for consistent value creation for years
keÀe³e&efve<heeove nsleg ueesieeW keÀes he´eLeefcekeÀlee osvee : 44 ahead
SkeÀ lelhej Deewj efMeef#ele keÀe³e&yeue Üeje j®eveelcekeÀ efJekeÀeme Prioritising people for performance 48
Creative growth by an agile and learning
met®evee
15JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ keÀer met®evee 52
NOTICE
Notice of 15th Annual General Meeting 288
efjheesì&
efveosMekeÀ efjheesì& 2021-22 61
REPORTS
mJeleb$e uesKeehejer#ee he´ceeCehe$e 65
Directors’ Report 2021-22 297
meef®eJeer³e uesKeehejer#ee efjheesì& 67 Independent Auditor’s Certificate 301
efveosMekeÀeW kesÀ iewj-De³eesi³elee keÀe he´ceeCehe$e 71 Secretarial Audit Report 303
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀer Jeee|<ekeÀ meef®eJeer³e Devegheeueve 72 Certificate of Non-Disqualification of Directors 307
efjheesì& Annual Secretarial Compliance Report of 308
ÒeyebOekeÀer³e ®e®ee& SJeb efJeMues<eCe 74 Central Bank of India
111 Management Discussion and Analysis 310
keÀe@heexjsì ieJevexme
133 Corporate Governance 347
mesyeer (met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìerkeÀjCe Dehes#eeSb)
efJeefve³eceve, 2015 kesÀ efJeefve³ece 17(8) kesÀ Debleie&le he´ceeCehe$e Certificate Under Regulation 17(8) of 369
SEBI (Listing Obligations and Disclosure
J³eeJemeeef³ekeÀ GÊejoeef³elJe SJeb mLeeef³elJe efjheesì& 2021-22 134 Requirements) Regulations, 2015
ueeYeebMe efJelejCe veerefle 157 Business Responsibility and Sustainability 370
Report 2021-22
jCeefveleer / STRATEGY
Þeer DeeueeskeÀ ÞeerJeemleJe Shri Alok Srivastava
Þeer efJeJeskeÀ Jeener Shri Vivek Wahi
Þeer jepeerJe hegjer Shri Rajeev Puri
[e@. Yeg<eCe kegÀceej efmevne (11.04.2022 mes efveosMekeÀ veneR nw) Dr. Bhushan Kumar Sinha
(Ceased to be director on 11.04.2022)
Þeer heer pes Lee@ceme Shri P J Thomas
Þeer efovesMe heebieleer (01.07.2021 mes ) Shri Dinesh Pangtey (w.e.f. 01.07.2021)
Þeer he´oerhe he´eCeueeue efKeceeveer (21.12.2021 mes) Shri Pradip Pranlal Khimani (w.e.f. 21.12.2021)
Þeer nee|okeÀ cegkesÀMe Mesþ (11.04.2022 mes) Shri Hardik Mukesh Sheth (w.e.f. 11.04.2022)
met®evee/ NOTICE
uesKee hejer#ekeÀ AUDITORS
cesmeme& Sme pe³eefkeÀMeve M/S S Jaykishan
cesmeme& íepes[ Sb[ oesMeer M/S Chhajed & Doshi
cesmeme& DecyeskeÀj Mesueej keÀJex Sb[ Decyee[xkeÀj Sb[ kebÀ. M/S Ambekar Shelar Karve & Ambardekar & Co.
cesmeme& efkeÀMeesj Sb[ efkeÀMeesj
M/S Kishore & Kishore
efjheesì& / REPORTS
meer-101, 247 heeke&À
Link Intime India Pvt. Ltd.
SueyeerSme ceeie&, efJe¬eÀesueer (heeq½ece)
C-101, 247 Park
cegbyeF& – 400083 LBS Marg, Vikhroli (West)
ìsueerHeÀesveë 022-4918 6270 Mumbai - 400 083.
HewÀkeÌmeë 022-4918 6060 Tel : 022-4918 6270
F&-cesue DeeF&[erë rnt.helpdesk@linkintime.co.in Fax : 022-4918 6060
E-mail ID : rnt.helpdesk@linkintime.co.in
yeQkeÀ mes he$ee®eej nsleg helee
efJeÊeer³e / FINANCIALS
Ghecenehe´yebOekeÀ/kebÀheveer meef®eJe SJeb Devegheeueve DeefOekeÀejer ADDRESS FOR CORESSPONDENCE
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee, 9JeeR cebefpeue, WITH THE BANK
®ebojcegKeer, vejerceve hee@F¥ì DGM / Company Secretary and Compliance Officer
cegbyeF& – 400 021 Central Bank of India, 9th Floor,
mebheke&À veb. 022 - 6638 7818 / 7575 Chandermukhi Nariman Point
HewÀkeÌme veb : 022 - 2283 5198 Mumbai - 400 021
F&-cesue DeeF&[erë dgmcompsec@centralbank.co.in., Contact No. : 022 - 6638 7818 / 7575
investors@centralbank.co.in Fax No. : 022 - 2283 5198
E-mail ID : dgmcompsec@centralbank.co.in;
investors@centralbank.co.in
efjheesì& / REPORTS
efJeÊeer³e / FINANCIALS
cenehe´yebOekeÀ
2. Þeer GcesMe kegÀceej eEmen yeer.F&. (keÀch³etìj meeFbme SJeb Fbpeer.) meerSDeeF&DeeF&yeer, [erDeeF&ìerDeejSce
3. Þeer F&. jlevekegÀceej Sce.ìskeÀ., yeer.F&.
4. Þeer mce=efle jbpeve oeMe Sce.S., meerSDeeF&DeeF&yeer
5. Þeer kesÀ. mel³eveeje³eCe Sce.keÀe@ce., heerpeer[erDeeF&ìer , meerSDeeF&DeeF&yeer
6. Þeer efJepe³e Jemeble cegjej yeer.Smemeer., ìer. uee@ ceW ef[hueescee, meerSDeeF&DeeF&yeer,
7. Þeer Þeerjece [er ceengjkeÀj yeer.Smemeer., meerSDeeF&DeeF&yeer
8. Þeer cegkegÀue Sve. obef[ies, (cegK³e efJeÊeer³e DeefOekeÀejer) yeer.Smemeer, meerSDeeF&DeeF&yeer
9. Þeer ce³ebkeÀ efovesMe Meen yeer.keÀe@ce., pesSDeeF&DeeF&yeer
10. Þeer yeer. Sme. nefjueeue yeer.Smemeer., meerSDeeF&DeeF&yeer
11. Þeer ceesefnle keÀes[veeveer yeer.F&., meerSDeeF&DeeF&yeer
12. Þeer efJeJeskeÀ kegÀceej yeer.Smemeer., yeer.S[., SceSceSme, SceyeerS, meerSDeeF&DeeF&yeer
13. Þeer [er.Sve. jepesvê kegÀceej Sce.Smemeer., meerSDeeF&DeeF&yeer, heerpeer[erSHeÀSce
14. Þeer S.[er. ÞeerefveJeeme yeer.keÀe@ce. (Dee@veme&), meerSDeeF&DeeF&yeer
15. megÞeer veefcelee je@³e Mecee& Sce.Smemeer, SueSueyeer, meerSDeeF&DeeF&yeer
16. Þeer meboerhe iegueeìer yeer.keÀe@ce, meerSDeeF&DeeF&yeer, ef[hueescee Fve cesvespeceWì
17. Þeer Jeer Jeer veìjepeve yeer.Smemeer, heerpeer[erS®eDeejSce, meerSDeeF&DeeF&yeer
18. Þeer ÞeerefveJeeme Sme jeJe yeer.S., meerSDeeF&DeeF&yeer, SceyeerS (HeÀeFveWme)
19. Þeer Jeemleer JeWkeÀìsMe yeer.Smemeer, meerSDeeF&DeeF&yeer,SceyeerS (yeQeEkeÀie SC[ HeÀeFveWme)
20 Þeer pemeeEJeoj eEmen meenveer Sce.Smemeer, meerSDeeF&DeeF&yeer
21. Þeer efMeJe kegÀceej ieghlee yeer.keÀe@ce, Sce.S. (DeLe&Meem$e), meerSDeeF&DeeF&yeer
22. Þeer jepesMe kegÀceej Sce.Smemeer, meerSDeeF&DeeF&yeer, SceyeerS (HeÀeFveWme)
23. Þeer yeer.yeer. ceglejspee yeer.S., meerSDeeF&DeeF&yeer
24. Þeer ìer.Sme. yeeue®ebêve yeer.Smemeer, meerSDeeF&DeeF&yeer,SceyeerS
25. Þeer meesnsue Denceo yeer.keÀe@ce, meerSDeeF&DeeF&yeer, DeeF&meer[yu³etS (DeeF&Sveìer)
26. Þeer MeerMejece legboJeeue yeer.keÀe@ce, meerSDeeF&DeeF&yeer
27. Þeer kegÀMeue heeue Sce.S., meerSDeeF&DeeF&yeer
28. Þeer kesÀ Sme Sve Jeer megyyee jeJe yeer.keÀe@ce, Sue.Sue.yeer., meerSDeeF&DeeF&yeer
29. Þeer jepesMe Jecee& yeer.keÀe@ce, Sue.Sue.yeer., meerSDeeF&DeeF&yeer
30. Þeer Jee³e Deefveue kegÀceej Sce.Smemeer, heerpeer[ermeerSme, ScemeerS, meerSDeeF&DeeF&yeer
kebÀheveer meef®eJe
31. Þeer Deevebo kegÀceej oeme, kebÀheveer meef®eJe SHeÀmeerSme, SueSueyeer, yeer.keÀe@ce, meerSDeeF&DeeF&yeer, meeryeermeerheer
jCeefveleer / STRATEGY
GENERAL MANAGER
2. Shri Umesh K. Singh B.E.(COM. SC & ENGG), CAIIB,DITRM
3. Shri E.Ratankumar M.TECH, B.E.
4. Shri Smruti Ranjan Dash M.A., CAIIB
5. Shri K Satyanarayanan M.COM., PGDIT, CAIIB
6. Shri Vijay Vasant Murar B.Sc, DIP T LAW, CAIIB
7. Shri Shriram D Mahurkar B.SC., CAIIB
8. Shri Mukul N Dandige (Chief Financial Officer) B.SC., CAIIB
9. Shri Mayank Dinesh Shah B.COM, JAIIB
met®evee/ NOTICE
10. Shri B.S. Harilal B.SC., CAIIB
11. Shri Mohit Kodnani B.E., CAIIB
12. Shri Vivek Kumar B.SC,B.ED., M.M.S.,MBA,CAIIB
13. Shri D N Rajendra Kumar MSC, CAIIB, PGDFM
14. Shri A.D.Srinivas B.COM., CAIIB
15. Smt. Namita Roy Sharma MSC, LLB, CAIIB
16. Shri Sundeep Gulati B.COM.(H), D.P.M., CAIIB,
17. Shri V V Natarajan B.Sc.,PGDHRM, CAIIB
18. Shri Srinivasa S Rao BA, CAIIB, MBA(FIN)
efjheesì& / REPORTS
19. Shri Vasti Venkatesh B.SC., CAIIB, M.B.A.(BNKG & FINANCE)
20 Shri Jaswinder Singh Sawhney M.SC., CAIIB
21. Shri Shiv Kumar Gupta B.COM. M.A (ECO), CAIIB
22. Shri Rajesh Kumar M.SC, CAIIB, MBA (FINANCE)
23. Shri B.B.Mutreja B.A., CAIIB
24. Shri T.S.Balachandran BSC,CAIIB,MBA
25. Shri Sohail Ahmad B.COM, CAIIB, ICWA(INT)
26. Shri Shishram Tundwal B.COM, CAIIB
efJeÊeer³e / FINANCIALS
27. Shri Kushal Pal MA, CAIIB
28. Shri K S N V Subba Rao BCOM, LLB, CAIIB
29. Shri Rajesh Verma B Com, LLB, CAIIB
30. Shri Y Anil Kumar MSC, PGDCS, MCA, CAIIB
COMPANY SECRETARY
31. Shri Anand Kumar Das, Company Secretary FCS, LLB, B COM, CAIIB, CBCP
nceejer efJejemele
1911 ceW mLeeefhele, meWì^ue yeQkeÀ Dee@HeÀ Fbef[³ee Yeejle mej meesjeyepeer hees®eKeeveeJeeuee ves Deheves
kesÀ meyemes hegjeves yeQkeÀeW ceW mes SkeÀ nw. ³en Yeejleer³eeW ieJe& keÀer DevegYetefle J³eÊeÀ keÀjles ngS meWì^ue
kesÀ hetCe& mJeeefcelJe Deewj he´yebOeve Jeeuee henuee Yeejleer³e yeQkeÀ Dee@HeÀ Fbef[³ee keÀes ‘je<ì^ keÀer mebheefÊe
JeeefCeeqp³ekeÀ yeQkeÀ Lee. yeQkeÀ keÀer mLeehevee, yeQkeÀ kesÀ Deewj osMe keÀer Deeefmle’ kesÀ ªhe ceW Ieesef<ele
mebmLeehekeÀ mej meesjeyepeer hees®eKeeveeJeeuee kesÀ meheves efkeÀ³ee. GvneWves keÀne efkeÀ meWì^ue yeQkeÀ Dee@
keÀe meekeÀej nesvee Lee. mej efHeÀjespeMeen cesnlee Fme HeÀ Fbef[³ee pevelee kesÀ efJeéeeme hej keÀe³e&jle
hetCe&le: ‘mJeosMeer yeQkeÀ’ kesÀ henues DeO³e#e Les. Fme hej nw Deewj mJe³eb keÀes pevelee keÀe Dehevee yeQkeÀ
ceevelee nw.
jCeefveleer
meeJe&peefvekeÀ #es$e kesÀ yeQkeÀeW ceW,
meWì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀes meYeer
28 jep³eeW leLee Yeejle kesÀ 8 ceW mes
7 keWÀê Meeefmele he´osMeeW ceW Deheves
J³eehekeÀ vesìJeke&À kesÀ keÀejCe JeemleJe
ceW ‘DeefKeue Yeejleer³e’ kesÀ ªhe ceW
Jee|Cele efkeÀ³ee pee mekeÀlee nw. 31
cee®e&, 2022 lekeÀ, DeehekesÀ yeQkeÀ
keÀer 17,803 ie´enkeÀ ì®e hee@Fbìdme kesÀ
met®evee
meeLe DeefKeue Yeejleer³e GheeqmLeefle nw.
FmeceW 4,528 MeeKeeDeeW keÀe vesìJeke&À,
2,976 SìerSce Deewj 10,299
yeermeer DeeGìuesì Meeefceue nQ. DeefKeue
Yeejleer³e GheeqmLeefle ceW meYeer 28 jep³e,
8 keWÀê Meeefmele he´osMeeW ceW mes 7 Deewj
jeä^er³e jepeOeeveer #es$e efouueer Meeefceue
nQ. ie´eceerCe Deewj DeOe&-Menjer keWÀêeW ceW
FmekeÀer kegÀue MeeKeeDeeW keÀe 65% kesÀ
efjheesì&
meeLe yeQkeÀ keÀer SkeÀ cepeyetle ie´eceerCe
Deewj DeOe&-Menjer GheeqmLeefle nw.
Our Legacy
Incorporated in 1911, the Central Bank Such was the extent of pride felt
of India is one of India’s oldest banks. It by Sir Sorabji Pochkhanawala
was the first Indian commercial bank to be that he proclaimed the Central
wholly owned and managed by Indians. The Bank of India as the ‘property
establishment of the Bank was the ultimate of the nation and the country’s
realisation of the dream of Sir Sorabji asset’. He added that the
Pochkhanawala, founder of the Bank. Sir ‘Central Bank of India lives on
Pherozeshah Mehta was the first Chairman people’s faith and regards itself
of a truly ‘Swadeshi Bank’. as the people’s own bank’.
NOTICE
with 17,803 Customer Touch
Points. This includes a
network of 4,528 branches,
2,976 ATMs and 10,299
BC Outlets. The Pan India
presence covers all 28 States,
7 out of 8 Union Territories
and NCT Delhi. The Bank has
a strong Rural and Semi-
Urban presence, with 65% of
REPORTS
its total branches in Rural and
Semi-Urban Centres.
efheíues 111 Je<eeX kesÀ Meeveoej Fefleneme kesÀ oewjeve, DeehekesÀ yeQkeÀ ves keÀF& letHeÀeveeW keÀe
meecevee efkeÀ³ee nw Deewj ®egveewefle³eeb Pesueer nw leLee nj yeej Deewj cepeyetle neskeÀj GYejves kesÀ
efueS Deepe, nce DeLe&J³eJemLee ceW Del³eefOekeÀ he´emebefiekeÀ Deewj ³eesieoeve osves Jeeues yeQkeÀ
yeveves kesÀ efMeKej hej nQ. Deeies yeæ{les ngS, nce he´l³eskeÀ J³eeJemeeef³ekeÀ FkeÀeF& kesÀ efueS
Deheves cegK³e heefj®eeueve ueeYe ue#³eeW keÀes hetje keÀjves Deewj Deheves DeejDeesS ceW megOeej
keÀjves kesÀ Deheves ue#³e Òeehle keÀjves keÀe Òe³eeme peejer jKeWies.
NIM (%)
SveDeeF& Sce mebReturn
heefÊe hejonDee³e
Assets
3.31%
3.21%
2.80%
2.79%
2.78%
2.78%
2.78%
2.73%
2.65%
2.54%
2.51%
2.47%
1.86%
0.70%
0.66%
0.44%
0.30%
0.26%
0.21%
FY2010 FY2011 FY2012 FY2013 FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022
-0.26%
-0.35%
-0.47%
-0.48%
-0.80%
-1.61%
-1.70%
FY2010
FY2010
1,059 13,799 (`keÀjesæ[ ceW)
5,326 310,763
2,591 179,356
1,265 131,407
FY2011
FY2011
1,252 16,486
5,169 346,898
2,815 196,173
1,395 150,725
FY2012
FY2012
533 20,454
kegNet
kegTotal
5,738 402,272
3,173 226,038
Àue Interest
1,667 176,234
Àue J³eeheej
FY2013
FY2013
1,015 23,528
Business
423,390
y³eepe Dee³eIncome
6,493
3,238 240,069
1,923 183,321
FY2014
FY2014
(1,263) 26,350
heef
kegTotal
7,247 450,539
Àue pecee
3,559 255,572
1,894 194,967
FY2015
Operating
FY2015
606 28,303
Deposits
j®eeueve ueeYe
Profit
7,065 456,336
2,642 266,184
1,938 190,152
FY2016
FY2016
(1,418) 27,825
kegTotal
Àue $eÝCe
iewNon
6,574 449,679
Loans
3,089 296,671
j y³eepe
2,876 153,008
FY2017
FY2017
(2,439) 27,537
Deewj&Deef
Interest
ie´ce
6,517 472,323
294,839
Advances
2,733
177,484
Dee³e Income
2,623
FY2018
FY2018
(5,105) 26,659
3,127
kegNet
2,413 167,729
FY2019
FY2019
(5,641) 25,052
Gross Dee³e
Income
7,629 486,007
ueeYe/neefve
4,344 313,763
Àue Profit/Loss
3,637 172,244
FY2020
FY2020
(1,121) 27,200
17
8,245 506,886
4,579 329,973
3,116 176,913
FY2021
25,846
FY2021
(888)
9,487 532,404
5,742 342,692
2,968 189,712
FY2022
25,770
FY2022
1,045
3.21%
2.80%
2.79%
2.78%
2.78%
2.78%
2.73%
2.65%
2.54%
2.51%
2.47%
1.86%
0.70%
0.66%
0.44%
0.30%
0.26%
0.21%
FY2010 FY2011 FY2012 FY2013 FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022
-0.26%
-0.35%
-0.47%
-0.48%
-0.80%
-1.61%
-1.70%
FY2010
FY2010
1,059 13,799 (`in crore)
5,326 310,763
2,591 179,356
1,265 131,407
FY2011
FY2011
1,252 16,486
5,169 346,898
2,815 196,173
1,395 150,725
FY2012
FY2012
533 20,454
5,738 402,272
3,173 226,038
1,667 176,234
FY2013
FY2013
1,015 23,528
Total Business
423,390
FY2014
FY2014
(1,263) 26,350
7,247 450,539
3,559 255,572
1,894 194,967
FY2015
FY2015
606 28,303
Total Deposits
Operating Profit
7,065 456,336
2,642 266,184
1,938 190,152
FY2016
FY2016
(1,418) 27,825
6,574 449,679
3,089 296,671
2,876 153,008
FY2017
FY2017
(2,439) 27,537
6,517 472,323
294,839
Total Loans & Advances
2,733
177,484
FY2018
FY2018
(5,105) 26,659
FY2019
(5,641) 25,052
Gross Income
7,629 486,007
4,344 313,763
Net Profit/Loss
3,637 172,244
FY2020
FY2020
(1,121) 27,200
19
8,245 506,886
4,579 329,973
3,116 176,913
FY2021
25,846
FY2021
(888)
9,487 532,404
5,742 342,692
2,968 189,712
FY2022
25,770
FY2022
1,045
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met®evee
Deewj ceerue kesÀ helLej mLeeefhele keÀj mekeÀles nQ. oewjeve yeæ{keÀj 3.21% nes ie³ee nw. ueeiele Dee³e Devegheele ceW Yeer
efJeÊeer³e Je<e& 2020-21 kesÀ efueS 59.70%* mes keÀeHeÀer megOejkeÀj
yeQkeÀ keÀe he´oMe&ve efJeÊeer³e Je<e& 2021-22 kesÀ efueS 53.90% nes ie³ee nw. efJeÊeer³e Je<e&
J³eJemee³e 2021-22 kesÀ oewjeve yeQkeÀ keÀer pecee ueeiele IeìkeÀj 3.86% nes
yeQkeÀ keÀe J³eJemee³e efJeÊeer³e Je<e& 2020-21 ceW `5,06,886 keÀjesæ[ ieF&, peyeefkeÀ efJeÊeer³e Je<e& 2020-21 kesÀ oewjeve ³en 4.35% Leer.
keÀer leguevee ceW Jeee|<ekeÀ DeeOeej hej 5.03% keÀer Je=ef× keÀjles ng³es * Jele&ceeve Je<e& kesÀ JeieeakeÀjCe keÀer hegeqä keÀjves kesÀ efueS peneb keÀneR DeeJeM³ekeÀ nw, DeebkeÀæ[eW
efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve `5,32,404 keÀjesæ[ nes ie³ee keÀer hegveie&Cevee / hegveie&þve efkeÀ³ee ie³ee nw.
nw. efJeÊe Je<e& 2021-22 ceW peceeDeeW ceW 3.85% keÀer Je=ef× leLee
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¢æ{ nes ieF& nw. 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ
efjheesì&
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keÀer pecee jeefMe `3,29,973 keÀjesæ[ keÀer leguevee ceW `12719
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Lee, meeLe ner Meg× SveheerS he´efleMele 31 cee®e&, 2021 kesÀ 5.77%
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mes IeìkeÀj 31 cee®e&, 2022 keÀes 3.97% nes ie³ee nw. yeQkeÀ keÀe
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he´eJeOeeve keÀJejspe Devegheele 31.03.2021 kesÀ 82.54% mes yeæ{keÀj
7.23% keÀer Je=ef× ope& keÀjles ngS 31 cee®e&, 2022 keÀes yeæ{keÀj
31.03.2022 keÀes 86.69% nes ie³ee, efpememes yewueWme Meerì keÀes
`1,89,712 keÀjesæ[ nes ie³es nQ.
¢æ{lee efceueer nw. nce 2022-23 kesÀ oewjeve DeeF&yeermeer kesÀ lenle
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keÀes Meeefceue efkeÀ³ee ie³ee nw Deewj meeLe ner DeeJeeme, efMe#ee Deewj SveheerS Jemetueer keÀes DeefOekeÀlece keÀjves, Deeeqmle keÀer iegCeJeÊee ceW megOeej
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heesì&HeÀesefue³ees ceW 5.51% keÀer Je=ef× meefnle yeQkeÀ kesÀ SceSmeSceF&
heesì&HeÀesefue³ees ves 5.57% keÀer Je=ef× oMee&F& nw. SceSmeSceF& keÀes kegÀue Yeejle mejkeÀej Üeje peejer iewj-y³eepe Jeeues hegvehet¥peerkeÀjCe yeeb[ kesÀ
Deefie´ce `34139 keÀjesæ[ leLee ke=Àef<e keÀes kegÀue Deefie´ce `38635 SveheerJeer keÀer ieCevee kesÀ efueS mecee³eespeve kesÀ yeeo meerDeejSDeej 31
keÀjesæ[ jns. cee®e&, 2021 keÀes 15.87% keÀer leguevee ceW ³en 31 cee®e&, 2022
lekeÀ 13.84% nw. Metv³e ketÀheve hegvehet¥peerkeÀjCe yeeb[ hej SveheerJeer keÀer
efJeÊeer³e he´oMe&ve ieCevee DeejyeerDeeF& keÀer Deheveer peesefKece cetu³eebkeÀve efjheesì& 2021 kesÀ
efJeÊeer³e Je<e& 2020-21 ceW `4,579* keÀjesæ[ keÀer leguevee ceW efJeÊeer³e DeJeueeskeÀve kesÀ DeeOeej hej keÀer ieF& nw. SveheerJeer kesÀ he´YeeJe hej efJe®eej
Je<e& 2021-22 ceW yeQkeÀ keÀe heefj®eeueve ueeYe `5,742 keÀjesæ[ jne efkeÀS efyevee, meerDeejSDeej 31 cee®e&, 2022 keÀes 15.75% nw.
he´eLeefcekeÀlee he´ehle #es$e Deewj efJeÊeer³e meceeJesMeve ef[efpeìue yeQeEkeÀie Deewj JewkeÀequhekeÀ efJelejCe ®ewveue
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efvecee&Ce keÀjves kesÀ efueS ³eesi³elee DeeOeeefjle YetefcekeÀeSb, keÀe³e& efve<heeove
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greenchannel@centralbank.co.in yeveeF& ieF&
Dear Stakeholders,
We are pleased to announce that our Bank has made reasons- low base of FY21 and economic activity
tremendous progress in the last financial year, and gaining momentum after Covid-19 impact faded. The
that we have made a difference. I am presenting quarterly data shows that the domestic economy
highlights of the performance of our Bank for slowly started to recover from the pandemic. The
FY 2022 in the attached report. Q4 2021-22 real GDP grew by (+) 4.1 per cent
vis-à-vis (+) 5.4 per cent in Q3 2021-22. However,
private final consumption expenditure as percentage
Economic Outlook
of real GDP softened to 55.5 per cent in Q4 2021-
The International Monetary Fund (IMF) Report 22 as compared to 61 per cent in Q3 2021-22.
released in April 2022, projects the growth of the On the other hand, gross fixed capital formation as
global economy by 3.6% in 2022 from a growth of percentage of real GDP inched up to 33.6 per cent in
6.1% in 2021 and further projects a growth of 3.6% Q4 2021-22 vis-à-vis 30.1 per cent in Q3 2021-22.
in 2023. However, the global growth is expected
to be slow in 2022 due to impact on economy due The ongoing war between Ukraine and Russia is not
to ongoing war between Ukraine and Russia. The over yet due to which we expect growth to remain
April 2022 Report of the IMF estimates advanced muted in 2022-23. Nonetheless, with the economic
economies to grow by 3.3% in 2022 from a growth activities gaining traction with government support
of 5.2% in 2021. The economy of United States provided through fiscal expenditure will help demand
has suffered with the problem of high inflation in the to achieve momentum.
FY22, for which they have started rate hikes to curb
the inflation problem. The emerging markets and This years’ Union Budget 2022-23 conveyed the
developing economies are projected to grow by 3.8% futuristic viewpoint of attaining macro-economic
in 2022 after a growth of 6.8% in 2021. In 2023, the level growth targets with a micro-economic level
emerging markets and developing economies are all-inclusive welfare. It laid foundation & gave a
projected to grow by 4.4%. blueprint of the economy over ‘Amrit Kal’ of next 25
years – from India at 75 to India at 100. In these
On the domestic front, as per the provisional 25 years India aims to attain the vision-promoting
figures, real GDP grew by 8.7% in 2021-22 with digital economy & fintech, technology enabled
a pickup in economic activity with the receding development, energy transition, and climate action,
impact of Covid-19 pandemic. Sectors like mining, and relying on virtuous cycle starting from private
manufacturing, construction, and some other service investment with public capital investment helping to
sectors have reported a double digit growth for two crowd-in private investment.
STRATEGY
Business
Bank’s Cost of Deposits reduced to 3.86% during the
During the Financial Year 2021-22, the Business financial year 2021-22 as against 4.35% during the
of the Bank stood at `5,32,404 crore as compared financial year 2020-21.
to `5,06,886 crore in the Financial Year 2020-21
*Figures have been recalculated/ regrouped wherever necessary
on 5.03% growth on a YoY basis. Bank’s business to confirm the current year classification.
growth has remained robust in FY 2021-22, with
deposit growth of 3.85% and advances growth of Asset Quality
7.23%. The Deposit of the Bank stood at `3,42,692 The consistent effort of the Bank on NPA management
crore as against `3,29,973 crore on March 31, 2021, and garnering high-quality assets improved the asset
with a growth of `12,719 crore. The CASA share quality. Thus, the gross NPA percentage reduced
as a percentage of Total Deposits stood at 50.58% to 14.84% as of March 31, 2022, compared to
NOTICE
against 49.24% in the Financial Year ended March 16.55% as of March 31, 2021, and also, the Net NPA
31, 2021. Total Advances stood at `1,89,712 crore percentage was brought down to 3.97% as of March
in March 31, 2022 as against `1,76,913 crore on 31, 2022, as from 5.77% as of March 31, 2021. The
March 31, 2021, registering a growth of 7.23% on a Bank’s Provision Coverage Ratio improved to 86.69%
YoY basis. as of 31.03.2022 from 82.54% as of 31.03.2021,
which has strengthened the Balance Sheet. We
The Bank is always keen to maintain a well- expect the resolution of certain big NPA accounts
balanced assets mix, encompassing sectors such as through NCLT under IBC and outside during 2022-23.
Agriculture and Micro, Small & Medium Enterprises We shall continue to have focused efforts to maximize
(MSMEs), and keeping a focus on other retail assets, NPA recovery, improve asset quality and earn net
REPORTS
including Housing, Education and Vehicle finance. profit during the year 2022-23.
Notably, Bank’s MSME portfolio has shown growth of
5.51%, with Retail loan portfolio growth by 5.57% on Capital
a YoY basis. Advances to MSMEs stood at `34,139
CRAR after adjustment for reckoning NPV of non-
crore and Agriculture at `38,635 crore.
interest-bearing recapitalization bond issued by
the Government of India is 13.84% as of March
Financial Performance 31, 2022, as compared to 15.87% as of March 31,
The Operating Profit of the Bank stood at `5,742 2021. NPV on zero-coupon Recapitalization Bonds
crore in the financial year 2021-22 as against has been computed on account of observation of
`4,579* crore in the financial year 2020-21. With RBI in its Risk Assessment Report 2021. Without
FINANCIALS
improved performance, the Bank earned a net profit considering the impact of NPV, CRAR is 15.75% as
of `1,045 crore against a net loss of `888 crore for of March 31, 2022.
the FY2022 over FY2021 and from `1,349 crore loss
to `310 crore profit during the fourth quarter on a Priority Sector and Financial Inclusion
YoY basis. The Bank is continuously emphasizing meeting
various goals under national priorities. Under various
The Net Interest Income of the Bank increased to national priorities, your Bank has credibly achieved
`9,487 crore from `8,245 during 2021-22, whereas the mandated targets as follows:
Non-Interest Income decreased to `2,968 crore from
» Total Priority – 44.08% of adjusted net bank credit
`3,116* crore during 2020-21. Net Interest Margin
against the norm of 40%
(NIM) improved to 3.21% during the financial year
2021-22 compared to 2.78% in the financial year » Agriculture – 19.79 % of adjusted net bank credit
2020-21. The Cost to Income ratio also significantly against the norm of 18%
» Small and Marginal Farmers – 10.39% of adjusted As a result, the share of digital transactions through
net bank credit against the norm of 9% alternate delivery channels increased from 77.63%
for FY 2020-21 to 78.05% for FY 2021-22.
» Weaker Section – 16.30 % of adjusted net bank
credit against the norm of 10%
Human Resources
The Bank has sold PSLC to the tune of `15,528 crore The Bank is committed to creating a productive work
in FY 2021-22. These achievements indeed speak of environment for its employees and departments
the Bank’s commitment to inclusive nation-building. to maximize individual potential and expand
organizational capacity. In this regard bank has taken
various steps towards Designing, Developing and
Bank has been actively pursuing the agenda of
Implementing Best HR Practices like Competency-
Financial Inclusion with key interventions in offering
based Roles, Performance-based promotions, and
appropriate financial products, using technology and
incentivizing learning, among others, to facilitate
enhancing financial literacy.
the creation of an environment where each member
of the organization can contribute their best for
Bank also performed well under social security
augmenting our business growth.
schemes launched by the Government of India.
33.32 Lakhs, 55.75 Lakhs, and 15.81 Lakhs
Employee Engagement Survey, Capacity Building
enrolments have been done under Pradhan Mantri
Initiatives to enhance capabilities of staffs,
Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha
Mentorship Program, Succession Planning (IDPs),
Bima Yojana and Atal Pension Yojana, respectively.
HR Policies Reviewed and made contemporary as
well as user-friendly, Engagement of Retirees on a
Pan India Presence contractual basis, Compassionate Appointment for
As of March 31, 2022, your Bank has a Pan India COVID-19 victims were some of the HR Interventions
presence with 17,803 Customer Touch Points. This initiated during the year.
includes a network of 4,528 branches, 2,976 ATMs
and 10,299 BC Outlets. The Pan India presence Bank will continue its efforts towards aligning
covers all 28 States, 7 out of 8 Union Territories and the HRD role with the evolving environment and
NCT Delhi. The Bank has a strong Rural and Semi- initiating practices benefitting employees to lead the
Urban presence, with 65% of its total branches in organization in advancing its corporate objectives.
Rural and Semi-Urban Centers.
Covid-19 Relief for MSMEs/Small
Digital Banking & Alternate Delivery Businesses/Corporates
Channels Bank has continued extending its support during
In the age of information and technology, the Bank 2021-22 through various Government schemes
recognizes the customers’ changing needs and launched in 2020-21 to MSMEs / Small Businesses /
caters to the needs of the young demographic base Corporates and extension of Guaranteed Emergency
of the country. Accordingly, the Bank gives thrust Credit Line 01, 02, 03, 04 to protect them from
on digital footprints and alternate delivery channels. hardships caused due to the Covid-19 pandemic.
Amount sanctioned
ECLGS Number of Sanctions
(`in crore)
ECLGS 01 165775 3150.15
Extension of ECLGS 01 9415 627.94
ECLGS 02 174 517.34
Extension of ECLGS 02 79 42.22
ECLGS 03 466 114.64
Extension of ECLGS 03 284 22.58
ECLGS 04 59 4.82
STRATEGY
for the period FY2016–FY2021. This is due to
» The customer On-Boarding process will be fully
vigorous engagement, commitment and new
digitalized through Video KYC.
ideas implemented. Nevertheless, we will not be
complacent and continue to thrive to envisage new » Customized Bank’s App will be launched, having
and fresh ideas to keep the business flourishing with multi-functionality and integration for all-in-one
new products and services besides fresh processes. banking needs.
With this impression, a few of the new initiatives put
forward are as follows:- Way Forward
» ‘CPAC - Pre-disbursal Credit Review Mechanism- In light of our results for the last financial year, I
Credit Processing & Approval Centre’ for pre- must express my joy for meeting shareholders’
expectations. We will continue to transform our
NOTICE
disbursement approval implemented w.e.f.
May ‘21 has been very successful in credit business, to make them future-ready to the extent
growth and taking out the fear from the field staff needed.
for undertaking prompt credit decisions. Going
I would like to acknowledge and thank all the
forward, the CPAC will be further leveraged for
members of the Board for their valuable support,
Credit Monitoring Tools to maintain asset quality.
guidance and input to the management in our
» Co Lending: New business Vertical will be endeavours. I also thank the Department of Financial
strengthened to augment credit growth. Services, Ministry of Finance and the Reserve Bank
» Green Deposit: An online Time Deposit product of India for their support and guidance from time to
with extra ROI to support ‘United Nations time.
REPORTS
Sustainable Development Goals (SDGs) and
empower our depositors to opt for financial I am happy to present the Bank’s Annual Report for
products that positively impact the environment. the year ended on March 31, 2022.
» Veteran Connect: All our retired staff will be
With best wishes,
considered as Deemed Direct Selling Agents
(DSAs). On the one hand, our retired staff would
Yours sincerely,
be getting a good incentive, and on the other
hand, this would help the Bank garner robust M V Rao
business with their local connections. Place: Mumbai
» Dedicated mail ID, i.e. greenchannel@ Date: June 27, 2022 FINANCIALS
centralbank.co.in for Corporate Borrowers for
sharing of information and quick redress of issues.
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nQ. FveceW Dev³e heefj³eespeveeDeeW kesÀ DeefleefjÊeÀ keÀesj yeQeEkeÀie mee@u³etMeve, ì^s[ HeÀeFveWme mee@u³etMeve, ì^spejer
mee@u³etMeve SJeb ueesve ueeFHeÀ meeFkeÀue cewvespeceWì mee@u³etMeve keÀes ueeiet efkeÀ³ee nw, pees yeQkeÀ nsleg Deepe kesÀ cetueYetle
J³eJemee³e he´Jele&keÀeW kesÀ ªhe ceW keÀe³e& keÀjles nQ. Fmeves De®ís peesefKece he´yebOeve ³ee keÀe@heexjsì he´Meemeve kesÀ efnmmes
met®evee
kesÀ ªhe ceW Dev³e heefj³eespeveeDeeW kesÀ meeLe Sbìer-ceveer uee@eÅv[^ie, DeJeª× jeefMe Üeje mecee|Lele SeqhuekesÀMeve
(SSmeyeerS), SkeÀerke=Àle peesefKece he´yebOeve J³eJemLee (DeeF&DeejSceSme), OeesKeeOeæ[er peesefKece he´yebOeve he´Ceeueer
keÀe keÀe³ee&vJe³eve (SHeÀDeejSceSme), keWÀêerke=Àle F&-ìer[erSme he´yebOeve meceeOeeve SJeb he´uesKe he´yebOeve J³eJemLee
([erSceSme) keÀes Yeer ef¬eÀ³eeeqvJele efkeÀ³ee nw. Jele&ceeve ceW, yeQkeÀ Üeje SkeÀ DeeF&SmeDees he´ceeefCele [sìe meWìj
Üeje mecee|Lele SkeÀ Del³eeOegefvekeÀ DeeF&ìer FvHe´Àemì^keÌ®ej Yeer mLeeefhele nw, efpemes heefj®eeueve o#elee, megj#ee,
efJeéemeveer³elee Deewj lJeefjle ie´enkeÀ mesJee megefveeq½ele keÀjves kesÀ efueS ef[]peeFve efkeÀ³ee ie³ee nw.
Deheveer J³eeJemeeef³ekeÀ jCeveerefle kesÀ efnmmes kesÀ ªhe ceW, DeehekeÀe yeQkeÀ SkeÀ “ef[efpeìue heefjJele&ve” kesÀ oewj mes
iegpej jne nw. efpemekesÀ ceeO³ece mes FmekeÀe Deheves heejbheefjkeÀ J³eeheej cee@[ue mes SkeÀ menpe ef[efpeìue cee@[ue
efjheesì&
ceW efJekeÀefmele nesves keÀe GÎsM³e nw, pees efkeÀ Dev³e keÀe³eeX meefnle ³etefveJeme&ue Sshe, ceesyeeFue yeQeEkeÀie, Fbìjvesì ìwye
yeQeEkeÀie, Deewj J³eJemee³e he´efleefveefOe keWÀê pewmes keÀF& ®ewveueeW keÀes meb®eeefuele keÀjves ceW me#ece nw. Fme efoMee ceW SkeÀ
he´ejbefYekeÀ ®ejCe kesÀ ªhe ceW, yeQkeÀ ves Jeeref[³ees kesÀJeeF&meer #ecelee kesÀ ceeO³ece mes Deheves ie´enkeÀ menye×lee keÀer
³eespevee keÀes Debeflece ªhe efo³ee nw. FmekesÀ DeefleefjÊeÀ, yeQkeÀ ie´enkeÀ menye×lee keÀer mebK³ee ceW ueieeleej he´ieefle
keÀj jne nw, efpevnW ef[efpeìueer efkeÀ³ee pee jne nw, pewmee efkeÀ veer®es oMee&³ee ie³ee nw:
7,890
1 2
ìwyeuesì kesÀ ceeO³ece mes Deeefo mes Deble lekeÀ he´mebmkeÀjCe veJeerveerkeÀjCe Deb[j jeFeEìie he´esmeseEmeie DeeF&ìerDeej efJeMues<eCe, peerSmeìer efJeJejCe,
me#ece efkeÀ³ee ie³ee efueefìiesMeve Deewj ScemeerS nsleg SheerDeeF& mecevJe³eve hetCe& efkeÀ³ee ie³ee
3
ke=Àef<e Deewj SceSmeSceF& GlheeoeW nsleg ueesve
ueer[ cewvespeceWì efmemìce (SueSueSceSme)
mLeeefhele efkeÀ³ee ie³ee
4
efjìsue, SceSmeSceF&, pecee Deewj leermejs he#e kesÀ
GlheeoeW kesÀ he´yebOeve nsleg ueer[ pevejsMeve kesÀ efueS
efJeMues<eCeelcekeÀ cee@[ue mLeeefhele efkeÀ³ee ie³ee
5 6
DeeF&ìer-DeeOeeefjle he´Ceeefue³eeW kesÀ efueS ueeiele he´YeeJeer keÌueeG[ yesme “DeemkeÀ meWì yee@ì Jeve mìe@he mee@u³etMeve” ®ewìyee@ì keÀes ceesyeeFue Sshe Deewj
meceeOeeve efve³eesefpele efkeÀS ieS JesyemeeFì ceW hesMe efkeÀ³ee ie³ee
jCeefveleer
ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes Deheves ie´enkeÀeW kesÀ efueS nceejs SìerSce hej Deesìerheer DeeOeeefjle
vekeÀo efvekeÀemeer keÀer megefJeOee Megª keÀer
Keelee mebK³ee Deewj ie´enkeÀ hen®eeve mebK³ee (meerDeeF&SHeÀ) kesÀ ceeO³ece mes ceesyeeFue yeQeEkeÀie Sshe
hebpeerkeÀjCe he´ejbYe efkeÀ³ee.
ceesyeeFue yeQeEkeÀie ceW SkeÀ mejue uee@efieve he´ef¬eÀ³ee he´ejbYe keÀer efpemeceW ie´enkeÀ keÀes SkeÀ yeej
hebpeerkeÀjCe kesÀ yeeo Ghe³eesiekeÀlee& veece keÀer DeeJeM³ekeÀlee kesÀ efyevee Sceefheve kesÀ ceeO³ece mes
uee@efieve keÀjves keÀe efJekeÀuhe he´oeve efkeÀ³ee peelee nw.
³etheerDeeF& Fbìj]HesÀme keÀes ve³ee ªhe SJeb he´YeeJe efo³ee.
met®evee
DeeOeej mebK³ee Deewj SkeÀ Deesìerheer kesÀ ceeO³ece mes ³etheerDeeF& Sshe hebpeerkeÀjCe me#ece efkeÀ³ee ie³ee,
efpememes efyevee [sefyeì keÀe[& Jeeues ie´enkeÀeW kesÀ efueS ³etheerDeeF& Sshe hej hebpeerkeÀjCe keÀjvee Deemeeve nes
peeSiee.
³etheerDeeF& Sheerheer kesÀ ceeO³ece mes J³eefÊeÀ mes J³eefÊeÀ (heer2heer) Yegieleeve ceW ceesyeeFue HeÀesve hej menspes
ieS mebheke&À vebyej kesÀ DeeOeej hej Yegieleeve keÀjves keÀer megefJeOee nesieer.
SkeÀ ‘Dee@ve-ef[JeeFme Jee@uesì’ keÀer megefJeOee he´oeve keÀjvee pees Dee@HeÀueeFve cees[ kesÀ ceeO³ece mes
íesìs cetu³e kesÀ uesveosve keÀer Devegceefle oslee nw efpemeceW ie´enkeÀ kesÀ heeme efkeÀmeer Yeer ke̳etDeej keÀes[
keÀes mkewÀve keÀjves SJeb Fbìjvesì hengb®e kesÀ efyevee Yegieleeve keÀjves keÀe efJekeÀuhe nes mekeÀlee nw.
efjheesì&
ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes Dee@veueeFve [ercewì Keeles keÀer megefJeOee
4,240 59.48%
31 cee®e&, 2022 lekeÀ mLeeefhele heerDeesSme/Sce-heerDeesSme 31 cee®e&, 2022 lekeÀ ie´eceerCe Deewj DeOe&-Menjer #es$eeW ceW yeQkeÀ kesÀ
ìe|ceveue keÀer kegÀue mebK³ee SìerSce keÀe ÒeefleMele
efJeÊeer³e
1,95,483
SmeyeerDeeF& keÀes-ye´eb[s[ kes´Àef[ì keÀe[& 31 cee®e&, 2022 lekeÀ peejer efkeÀS ieS
The recent technology wave sweeping through the financial industry has
changed many traditional banking structures. Factors such as online banking,
self-service machines, financial integration, and 24-hour access have
changed the outlook regarding the need for digital banking. Increasingly,
digital-only banking is becoming increasingly popular, with customers of all
age groups seeking more convenience and faster banking services. The
rising adoption of online and mobile banking among millennials indicates
brick-and-mortar banking will likely have less relevance to the younger
generation in the future. At Central Bank of India, we are undergoing
wholesale digital transformation to serve an increasingly digital India.
STRATEGY
the development of digital banking to enhance
our customer experience, push revenue growth,
accelerate cost reduction, and charge up our
productivity.
Over recent years, Central Bank of India has implemented several significant IT
NOTICE
adoptions such as Core Banking Solution, Trade Finance Solution, Treasury Solution,
and Loan Lifecycle Management Solution, amongst others, which act as today’s
foundational business enablers of the Bank. It has also implemented several other
projects such as Anti-Money Laundering, Application Supported by Blocked Amount
(ASBA), Integrated Risk Management System (IRMS), Implementation of Fraud
Risk Management System (FRMS), Centralized e-TDS Management Solution, and
Document Management System (DMS) among others, as part of either good risk
management or corporate governance. Today, the Bank has also established a
state-of-the-art IT Infrastructure, backed by an ISO Certified data centre designed to
ensure operational efficiency, security, reliability, and prompt customer service.
REPORTS
As part of its Business Strategy, your Bank is undergoing a “Digital Transformation”,
through which it intends to evolve from its traditional business model into a
seamless digital model, enabled by multiple channels such as a Comprehensive
App, Mobile Banking, Internet Banking, Tab Banking, and Business Correspondent
Points amongst others. As an early step toward this direction, Bank has finalised its
customer onboarding journey through Video KYC capability. Furthermore, the Bank
is making steady progress in the number of customer engagements that are being
conducted digitally, as shown below:
FINANCIALS
UPI Ecom UPI Mobile Internet
Transactions Transactions Banking Banking
(in lacs) (in lacs) (in lacs) (in lacs)
7,890
1 2
End-to-end processing renewal through tablets was API Integration was completed for the Under Writing
enabled Processing ITR Analysis, GST Returns, Litigation and MCA
3
Loan Lead Management System
(LLMS) was established for
Agriculture & MSME Products
4
Analytical Model for Lead Generation
handling Retail, MSME, Deposit &
Third-Party Products was established
5 6
Cost-Effective Cloud Base Solutions for IT-based The “Ask Cent Bot One Stop Solution” CHATBOT was
systems were deployed introduced in the Mobile App and the Website
The Bank has revamped Mobile Banking with a fresh look and feel, with
multiple useful links on the home screen
STRATEGY
Initiated OTP based Cash withdrawal facility on our ATM for our customers
through Mobile Banking
NOTICE
Revamped the Look and Feel of the UPI interface
Enable UPI app registration through the Aadhaar number and an OTP,
making it easy for customers without Debit Cards to register on the UPI app
Person to Person (P2P) Payment through UPI APP shall have the feature of
making payment based on the contact number saved on a mobile phone
REPORTS
through offline mode in which a customer can have the option to scan any
QR code and make the payment without needing access to the internet
4,240 59.48%
Total number of POS/m-POS Terminal Percentage of the Bank’s ATMs that are in Rural &
FINANCIALS
Installed as of March 31, 2022 Semi-Urban Areas as of 31st March, 2022
1,95,483
SBI Co-branded Credit Cards issued as of 31st March, 2022
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ efueS, efJeÊe Je<e& 2022 SkeÀ yenghe´leeref#ele ìve&DejeGb[ Je<e& jne nw. ³en Je<eeX keÀer ³eespevee
Deewj ¢{ heefjÞece keÀe heefjCeece Lee. ueieeleej ín Je<eeX kesÀ Ieeìs kesÀ yeeo, yeQkeÀ ves 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e
Je<e& ceW `1,045 keÀjesæ[ keÀe Meg× ueeYe Dee|pele efkeÀ³ee, peyeefkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW `888
keÀjesæ[ keÀer Meg× neefve ngF& Leer. ³en mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ceW peejer SkeÀ heefjJele&vekeÀejer ³ee$ee keÀe heefjCeece nw,
efpemekesÀ heefjCeecemJeªhe efheíues kegÀí Je<eeX ceW FmekeÀer yewueWme Meerì ceW efvejblej megOeej ngDee nw, mebheefÊe keÀer iegCeJeÊee ceW
megOeej he´Je=efle yeveer nw, lejuelee ceW Je=ef× ngF& nw, DeefOekeÀ ef[efpeìueerkeÀjCe ngDee SJeb hetbpeer keÀer eqmLeefle yesnlej ngF& nw. SkeÀ
Deesj peneb yeQkeÀ kesÀ heefj®eeueveelcekeÀ ueeYe ceW megOeej peejer nw, JeneR otmejer Deesj hegjeveer leveeJeie´mle Deeeqmle³eeW ceW yengle
keÀceer DeeF& nw, efpevekesÀ heefjCeecemJeªhe Meg× ueeYe ngDee nw. ³en efJeÊe Je<e& 2021 Deewj efJeÊe Je<e& 2022 keÀer efJehejerle
Deee|LekeÀ heefjeqmLeefle³eeW kesÀ yeeJepeto mebYeJe ngDee nw, efpemekesÀ ceeO³ece mes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ves heefj®eeueveelcekeÀ
JeeleeJejCe mes GlheVe ®egveewefle³eeW nsleg mJe³eb keÀes De®íer lejn mes lew³eej efkeÀ³ee nw.
jCeefveleer
22 ceW efJeefYeVe he´keÀej kesÀ mekeÀue Deefie´ce ₹1,98,712 keÀjesæ[ jns. 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e&
kesÀ efueS yeQkeÀ keÀe heefj®eeueve ueeYe ₹5,742 keÀjesæ[ jne, peyeefkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e&
kesÀ efueS ³en ₹4,579 keÀjesæ[ Lee.
Deepe Deee|LekeÀ ieefleefJeefOe³eeW keÀer ieefle lespe nes ieF& nQ Deewj ³en ieefle
peejer jnvee Dehesef#ele nw. Yeejleer³e yeQeEkeÀie ceW GYejleer he´Je=efle hej ¢ef<ì
yevee³es jKeves meefnle yeQkeÀ kesÀ ef[efpeìue heefjJele&ve keÀes Deeies ye{eves keÀe ³en
met®evee
Ghe³egÊeÀ mece³e nw.
meYeer J³e³e Meer<eeX ceW ¢{ ueeiele efve³eb$eCe henueeW kesÀ ceeO³ece mes yeQkeÀ keÀer heefj®eeueve #ecelee ceW megOeej ves Yeer
heefjJele&vekeÀejer heefjCeece ceW ³eesieoeve efo³ee. efJeÊe Je<e& 2022 nsleg ueeiele Dee³e Devegheele 580 yeerheerSme keÀe
megOeej ope& keÀjles ngS 59.70% mes megOejkeÀj 53.90% nes ie³ee. yeQkeÀ keÀe mueerhespe Devegheele efJeÊe Je<e&
2022 ceW 120 yeerheerSme keÀe megOeej ope& keÀjles ngS 3.20% jne peyeefkeÀ efJeÊe Je<e& 2022 nsleg ³en 4.40%
Lee.
efjheesì&
`1,045 keÀjesæ[ `5,742 keÀjesæ[
efJeÊe Je<e& 2022 kesÀ efueS Meg× ueeYe efJeÊe Je<e& 2022 nsleg heefj®eeueve ueeYe (25.40% lekeÀ keÀer
Je<e&-oj-Je<e& Je=efà )
efJeÊeer³e
120 yeerheerSme
mueerhespe Devegheele ceW Je<e&- oj-Je<e& megOeej
heesì&HeÀesefue³ees ceW efJeefJeOelee ueeves kesÀ efueS nceejs HeÀeskeÀme mesiceWìeW SJeb
meskeÌìjeW ceW GOeej osves kesÀ DeJemejeW keÀes Keespee peeSiee. SkeÀ G®®e iegCeJeÊee
Jeeues J³eJemee³e kesÀ ªhe ceW efJekeÀefmele nesves kesÀ efue³es Kegoje, ie´eceerCe Deewj
SceSmeSceF& hej nceeje O³eeve peejer jnsiee.
met®evee
efjheesì&
keÀþesj SveheerS he´yebOeve
yeQkeÀ keÀer SkeÀ megheefjYeeef<ele Jemetueer veerefle nw efpemeceW SveheerS he´yebOeve kesÀ efueS efJemle=le efoMeeefveoxMe nQ. FmeceW
SveheerS he´yebOeve, efveiejeveer Deewj DevegJeleea Ghee³e, mecePeewlee efveheìeve, mejHesÀmeer DeefOeefve³ece Deewj he´Jele&ve
SpeWefme³eeW keÀer efve³egefÊeÀ kesÀ meYeer #es$e Meeefceue nQ. efJeÊe Je<e& 2022 ceW leveeJeie´mle Deeeqmle³eeW kesÀ he´yebOeve hej
O³eeve osvee peejer jne Deewj nj #es$e ceW J³eehekeÀ megOeej ngDee. DeehekesÀ yeQkeÀ ves heeefjeqmLeeflekeÀer leb$e kesÀ Devegªhe
leveeJeie´mle mebheefÊe³eeW kesÀ he´yebOeve kesÀ efueS Deheveer jCeveerefle lew³eej keÀer Deewj efJeÊe Je<e& 2021 kesÀ 4.40% mes
megOejkeÀj efJeÊe Je<e& 2022 ceW mueerhespe Devegheele keÀes 3.20% lekeÀ meerefcele keÀjves ceW meHeÀue jne. efJeÊe Je<e&
2022 kesÀ oewjeve, DeehekesÀ yeQkeÀ keÀe Meg× SveheerS Jeee|<ekeÀ DeeOeej hej 180 yeerheerSme keÀe megOeej ope& keÀjles
efJeÊeer³e
ngS 5.77% mes IeìkeÀj 3.97% nes ie³ee. yeQkeÀ keÀe he´eJeOeeve keÀJejspe Devegheele (heermeerDeej) Yeer efJeÊe Je<e&
2021 kesÀ 82.54% mes yeæ{keÀj efJeÊe Je<e& 2022 ceW 86.69% nes ie³ee, efpemeceW 415 yeerheerSme keÀe megOeej
ngDee.
For Central Bank of India, FY2022 has been a much-awaited turnaround year. This
was the result of years of planning and perseverance. After six consecutive years of
incurring losses, the Bank posted a Net Profit of `1,045 crore in the fiscal year ended
March 31, 2022, as against a Net loss of `888 crore in the fiscal year ended March
31, 2021. This is the result of a transformational journey taking place at Central Bank
of India, which has resulted in sustained improvements in its balance sheet growth,
improving asset quality trends, enhanced liquidity, greater digitalisation, and more
robust capital position over the past few years. While the core operating profitability
of the Bank continues to improve, the drag from legacy stressed assets has also
significantly reduced, resulting in net profitability. This has taken shape despite the
economic headwinds of FY2021 and FY2022, through which the Central Bank of
India adapted well to the challenges posed by the operating environment.
STRATEGY
growth in deposits and granular advances during the year, and the Gross Advances
stood at `1,89,712 crore across various segments in 2021-22. The Operating
Profit of the Bank stood at `5,742 crore for the fiscal year ended March 31, 2022,
compared to `4,579 crore for the fiscal year ended March 31, 2021.
NOTICE
digital transformation of the Bank with an eye
on emerging trends in Indian banking.
The Bank’s improving operational efficiencies through solid cost control initiatives
across expense heads also contributed to the turnaround result. The Cost to Income
Ratio for the FY2022 enhanced from 59.70% to 53.90%, registering an improvement
REPORTS
of 580 bps. The Bank also improved its Slippage Ratio for the FY2022 by 120 bps,
standing at 3.20% in FY2022 compared to 4.40% in FY2021.
FINANCIALS
120 bps
YoY improvement in Slippage Ratio
NOTICE
able to contain the slippage ratio to 3.20% in
FY2022, down from 4.40% in FY2021.
REPORTS
Rigorous NPA management
The Bank has a well-defined Recovery Policy containing detailed guidelines for
NPA Management. It encompasses all areas of NPA Management, Monitoring and
Follow-up measures, Compromise settlements, SARFAESI Act, and Appointment of
Enforcement Agencies. The focus on managing stressed assets continued in FY2022
with all-around improvement in every segment. Your Bank has calibrated its strategy
for managing stressed assets in line with the ecosystem and was able to contain the
slippage ratio to 3.20% in FY2022, down from 4.40% in FY2021. During FY2022,
FINANCIALS
your Bank’s Net NPA reduced from 5.77% to 3.97% on a YoY basis registering
an improvement of 180 bps. The Bank’s provisioning coverage ratio (PCR) also
improved from 82.54% for FY2021 to 86.69% for FY2022, reporting an improvement
of 415 bps.
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee lespeer mes yeoueles J³eJemeeef³ekeÀ heefj¢M³e Deewj efve³eecekeÀ Dehes#eeDeeW keÀer
ceebiehete|le nsleg lJeefjlelee mes Deeeqmle he´yebOeve, DeeF&ìer, met®evee megj#ee, peesefKece, $eÝCe SJeb uesKee
hejer#ee ceW efJeMes<e he´efleYeeDeeW keÀer Yeleea keÀj jne nw. ³en ceeveJe mebmeeOeve kesÀ Fälece Ghe³eesie keÀes
megefveeq½ele keÀjves nsleg keÀe³e&yeue Dee³eespevee kesÀ efueS SkeÀ MeeKee-DeeOeeefjle cee@[ue Yeer Dehevee
jne nw. ³en cee@[ue MeeKeeDeeW kesÀ GlheeokeÀlee ceevekeÀeW pewmes heefj®eeueve mebJeenkeÀ, mebJ³eJenej
YeejkeÀejkeÀ, $eÝCe KeeleeW keÀer mebK³ee, Deewj heefj®eeueve FkeÀeF³eeW SJeb mebieþveelcekeÀ FkeÀeF³eeW mes
he´ehle met®eveeDeeW hej DeeOeeefjle nw. nce keÀesefJe[ ceneceejer keÀer keÀäoe³ekeÀ DeJeefOe kesÀ oewjeve Yeer
yeQkeÀ kesÀ keÀe³e&efve<heeove keÀes Deewj DeefOekeÀ Tb®eeF³eeW lekeÀ ues peeves nsleg Deheves keÀce&®eeefj³eeW kesÀ
mebkeWÀefêle he´³eemeeW keÀer mejenvee keÀjles nQ.
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee Deheves Jele&ceeve Deewj YeefJe<³e kesÀ mebieþveelcekeÀ ue#³eeW
keÀes he´ehle keÀjves ceW Deheves keÀce&®eeefj³eeW keÀer cenlJehetCe& YetefcekeÀe ceW efJeéeeme keÀjlee nw
SJeb Gmes ceevelee nw. DeehekesÀ yeQkeÀ keÀer ceeveJeer³e hetbpeer ves he´ewÐeesefiekeÀer Deewj ie´enkeÀ-
keWÀefêlelee mes GlheVe veS ³egie kesÀ DeJemej keÀe meecevee keÀjves nsleg G®®e he´sjCee Deewj
YeeJevee keÀe he´oMe&ve efkeÀ³ee nw.
kegÀue keÀce&®eejer
SkeÀ GlheeokeÀ keÀe³e&yeue mes he´ehle ueeYeepe&ve
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀe keÀefj³ej efJekeÀeme keÀce&®eejer kesÀ keÀe³e&efve<heeove 36,843
35,675
kesÀ cetu³eebkeÀve nsleg SkeÀ heejoMeea, efJeéemeveer³e [sìe-mecee|Lele keÀe³e&efve<heeove 33,481
32,335
30,289
cetu³eebkeÀve he´ef¬eÀ³ee megefveeq½ele keÀjlee nw. ³en he´Ceeueer J³eefÊeÀiele Deewj
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nw, efpemes he´efMe#eCe kesÀ ceeO³ece mes G®®e keÀewMeue, ®euee³es pee jns ef[efpeìue
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24.35% 25,585
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megefJeOee he´oeve keÀer ieF&
COVID-19 Response
The onset of COVID-19 resulted in a significant broadening of our health and safety
aims. In response to the Pandemic, we developed a range of global standards
addressing project shutdown protocols; personal screening for people entering our
operations; social distancing applications; COVID-19 specific personal protective
equipment requirements; and protocols in the event of confirmed cases.
The 2nd wave of the covid Pandemic hit the country hard at the beginning of
FY2022 and took a heavy toll on lives, which included many Central Bank of India’s
employees. However, it did not deter the unwavering spirit of the Bank’s committed
frontline staff. They ensured the delivery of uninterrupted financial services across
the length and breadth of the country by fine-tuning the existing work model, even with reduced
staff strength due to Pandemic related restrictions and associated lockdowns.
During the unprecedented times of the COVID-19 Pandemic, when staff members and their
dependents were struggling to get proper medical attention and treatment, a user-friendly
in-house portal and mobile app were developed by us. This enabled staff members to initiate
requests related to Covid-19 requirements for employees and their family members from
anywhere in India. Volunteer staff members from administrative offices are staffing the helpline.
In several instances, your Bank extended a work-from-home facility to pregnant women,
cancer patients and workers with disabilities. It also opened financial assistance in providing
compensation to the tune of `20 lacs to the legal heir of the staff member who succumbed to
the Corona Virus.
STRATEGY
Gender Sensitivity and Inclusiveness have always been the cornerstone
of your Bank’s HR policy. Out of the total workforce, the representation of
women is 24.35% spread across all geographies and levels of hierarchy.
Training
NOTICE
The objective of training in your Bank has always been to enhance the
workforce’s knowledge, skills, and attitude, for superior business performance
and customer orientation. Your Bank has introduced significant changes
into the training eco-system to create a more innovative and more impactful
learning journey for your Bank’s employees. To focus on the Up-skilling and
Re-Skilling of all employees through increased training hours and additional
avenues of learning, the Training Policy 2022-23 was reviewed and approved
by the Board. To enhance the capabilities of staff in our Bank, for example,
Certifications have been made mandatory for 374 employees staffing key
roles in Treasury, Risk, Accounting and Credit Departments. Most of the
REPORTS
training programmes were held online mode, due to the Pandemic. FY2022
also saw an increase in the number of e-learning modules launched in LMS,
from 104.5 hours at the beginning of the year to 208 hours spanning 85
topics at the year’s close. Courses in all job families were added to cater to all
banking segments.
24.35% 25,585
The percentage of the total workforce that Covid Vaccinations were facilitated during
are Women FY2022
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kesÀ ceeO³ece mes menYeeefielee meerefcele nesves kesÀ keÀejCe “henues mecem³ee nw lees Deehe instameet@linkintime.co.inhej F&-cesue keÀjW
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2% mes DeefOekeÀ Mes³ejOeeefjlee jKevesJeeues Mes³ejOeejkeÀ /
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mìskeÀOeejkeÀ mebyebOe meefceefle kesÀ DeO³e#e leLee uesKeehejer#ekeÀ Dehevee DevegjesOe F&-cesue smmbd@centralbank.co.in hej efoveebkeÀ
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kesÀ efyevee Devegceefle oer peeSieer. meom³e yewþkeÀ kesÀ efveOee&efjle mee³eb 5.00 yepes lekeÀ Deheves veece, [ercesì Keelee vebyej / HeÀesefue³ees vebyej,
mece³e mes 15 (hebên) efceefveì hetJe& uee@ie-Fve keÀj yewþkeÀ ceW F&-cesue DeeF&[er, ceesyeeF&ue vebyej kesÀ meeLe YespeW.
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kesÀ he½eele 15 (hebên) efceefveì lekeÀ Kegueer jnsieer. menYeeefielee Deheves efJe®eej J³eÊeÀ keÀjves / he´Mve hetíves keÀer Devegceefle oer peeSieer.
efmeHe&À 2500 meom³eeW lekeÀ ner meerefcele nQ.
yewþkeÀ kesÀ efueS GheeqmLeefle ope& keÀjves kesÀ yeeo Mes³ejOeejkeÀeW keÀes “JeÊeÀe
Jeermeer/ DeesSJeerSce kesÀ ceeO³ece mes Jeee|<ekeÀ meeceev³e yewþkeÀ ceW ¬eÀceebkeÀ” he´ehle nesiee. Dev³e Mes³ejOeejkeÀ yewþkeÀ kesÀ oewjeve meef¬eÀ³e ®ewì-
GheeqmLele jnves nsleg Mes³ejOeejkeÀ / meom³eeW keÀes `Fvmìeceerì’ yees[& kesÀ ceeO³ece mes hewveefuemì mes he´Mve hetí mekeÀles nQ. Mes³ejOeejkeÀeW mes
megefJeOee he´oeve keÀer peeSieer. efpemeceW Mes³ejOeejkeÀ / meom³eeW DevegjesOe nw efkeÀ Jes JeÊeÀe ¬eÀceebkeÀ ³eeo jKeW Deewj ef[JeeFme kesÀ Jeeref[³ees
keÀes efvecveevegmeej Deheves efJeJejCe hebpeerke=Àle keÀj yewþkeÀ ceW cees[ Deewj Dee@ef[³ees keÀes ®eeuet keÀjkesÀ hewveefuemì kesÀ meeLe yeele®eerle Megª
GheeqmLele jnvee nesiee: keÀjW. Mes³ejOeejkeÀeW mes DevegjesOe nw efkeÀ Jes leYeer yeesueW peye yewþkeÀ / he´yebOeve
1. Fbìjvesì ye´eG]pej KeesuekeÀj, Fvmìeceerì kesÀ efueS keÀe cee@[jsìj yeesueves kesÀ efueS GvekesÀ veece Deewj ¬eÀceebkeÀ keÀer Iees<eCee
³etDeejSue <<https://instameet.linkintime. keÀjsiee.
co.in>>[eueW Deewj efvecve efJeJejCe hebpeerke=Àle keÀjW:
S. [erheer DeeF&[er/ ie´enkeÀ DeeF&[er DeLeJee ueeYeeLeea Mes³ejOeejkeÀ / meom³e, pees he´Mve hetívee ®eenles nQ, Jes Dehevee he´Mve henues
DeeF&[er DeLeJee HeÀesefue³ees veb.: DeehekeÀe yeQkeÀ kesÀ meeLe ner F&-cesue smird@centralbank.co.in hej Deheves veece, [ercesì
hebpeerke=Àle 16 DebkeÀeW Jeeuee [erheer DeeF&[er/ ie´enkeÀ Keelee vebyej / HeÀesefue³ees vebyej, F&-cesue DeeF&[er, ceesyeeF&ue vebyej kesÀ meeLe
DeeF&[er DeLeJee ueeYeeLeea DeeF&[er DeLeJee HeÀesefue³ees YespeW. GmekeÀe peJeeye yeQkeÀ Üeje Gef®ele he´keÀej mes efo³ee peeSiee.
veb. he´efJeä keÀjW.
veesì :
yeer. hewve: DeehekeÀe 10 ef[efpeì keÀe mLee³eer Keelee vebyej
he´efJeä keÀjW. yewþkeÀ kesÀ oewjeve, efmeHe&À JeÊeÀe kesÀ ªhe ceW hebpeerke=Àle Mes³ejOeejkeÀeW /
meom³eeW keÀes ner Deheves efJe®eej J³eÊeÀ keÀjves / he´Mve hetíves keÀer Devegceefle oer
meer. ceesyeeFue vebyej.
peeSieer. yeQkeÀ Jeee|<ekeÀ meeceev³e yewþkeÀ nsleg GheueyOe mece³e kesÀ Devegmeej
[er. F&-cesue DeeF&[er JeÊeÀeDeeW keÀer mebK³ee meerefcele jKeves keÀe Dehevee DeefOekeÀej megjef#ele jKelee
2. “iees ìt efceeEìie” hej eqkeÌuekeÀ keÀjW. nw.
veesì : Mes³ejOeejkeÀeW / meom³eeW keÀes kewÀcejs keÀe Ghe³eesie keÀjves keÀer Devegceefle osveer
yesnlej DevegYeJe kesÀ efueS Mes³ejOeejkeÀeW/meom³eeW mes DevegjesOe nw efkeÀ ®eeefnS Deewj yewþkeÀ kesÀ oewjeve efkeÀmeer Yeer ieæ[yeæ[er mes ye®eves kesÀ efueS
ye´e[yeQ[ mes pegæ[s ìsyeuesì / uewheìe@he kesÀ ceeO³ece mes yewþkeÀ ceW pegæ[s. De®íer ieefle (DeefOeceeveleë 2 SceyeerheerSme [eGveuees[ mì^erce) kesÀ meeLe
yewþkeÀ kesÀ oewjeve J³eJeOeeve ìeueves nsleg Mes³ejOeejkeÀeW/meom³eeW keÀes De®íer Fbìjvesì keÀe Ghe³eesie keÀjvee DeeJeM³ekeÀ nw.
mheer[ (DeefOeceevele: 2 SceyeerheerSme [eTveuees[ mì^erce) kesÀ Fbìjvesì keÀe Jeee|<ekeÀ meeceev³e yewþkeÀ kesÀ oewjeve Fvmìeceerì kesÀ ceeO³ece mes Jeesì
he´³eesie keÀjvee ®eeefnS. keÀjves nsleg Mes³ejOeejkeÀeW/meom³eeW keÀes DevegosMe :
ke=Àhe³ee O³eeve oW efkeÀ ceesyeeF&ue ne@ì mhee@ì kesÀ peefjS ceesyeeF&ue / ìsyeuesì/ yewþkeÀ kesÀ oewjeve peye meb®eeuekeÀ Üeje FueskeÌì^eefvekeÀ celeoeve he´ef¬eÀ³ee
uewheìe@he kesÀ ceeO³ece mes pegæ[ves Jeeues Mes³ejOeejkeÀeW/meom³eeW keÀes vesìJeke&À meef¬eÀ³e keÀer peeSieer leye efpeve Mes³ejOeejkeÀeW / meom³eeW ves efjceesì F&-JeeseEìie
Gleej-®eæ{eJe kesÀ keÀejCe ¢M³e-ÞeJ³e ceW J³eJeOeeve nes mekeÀlee nw. Dele: kesÀ ceeO³ece mes Dehevee Jeesì veneR efo³ee nw Jes efvecveevegmeej Dehevee Jeesì os
GÊeÀ Keeefce³eeW keÀes otj keÀjves nsleg eqmLej JeeF&-HeÀe³e DeLeJee uewve keÀveskeÌMeve mekeWÀies :
keÀe Ghe³eesie keÀjves keÀer DevegMebmee keÀer peeleer nw.
1. Mes³ejnesu[me& Jeermeer hespe hej F&-JeeseEìie kesÀ efueS “keÀemì ³eesj Jeesì”
eEuekeÀ hej F&-JeeseEìie kesÀ efueS eqkeÌuekeÀ keÀjW.
2. [ercesì Keelee mebK³ee/ HeÀesefue³ees mebK³ee Deewj “Fvmìeceerì” kesÀ 3. efjceesì F&-JeeseEìie
hebpeerkeÀjCe kesÀ oewjeve (hebpeerke=Àle ceesyeeFue vebyej / hebpeerke=Àle F&-cesue
DeeF&[er hej he´ehle) Deesìerheer he´efJeä keÀjW Deewj ‘meyeefceì’ hej eqkeÌuekeÀ mesyeer (met®eerye× he´keÀìerkeÀjCe SJeb Dehes#eeSb) efJeefve³ece, 2015 kesÀ efve³ece
keÀjW. 44 kesÀ meeLe heefþle kebÀheveer (he´yebOeve SJeb he´Meemeve) efve³ece, 2014 ³eLee
mebMeesefOele kesÀ efve³ece 20 leLee met®eerye× kebÀheefve³eeW Üeje he´oÊe F&-JeeseEìie
3. meHeÀue (mekeÌmesmeHegÀue) uee@efieve kesÀ he½eele DeehekeÀes celeoeve keÀjves
kesÀ efueS “efjpeesu³egMeve ef[m¬eÀerheMeve” Deewj GmekesÀ meeceves “HesÀJej/ megefJeOee hej mesyeer kesÀ heefjhe$e efoveebkeÀ 9 efomebyej, 2020 kesÀ Devegheeueve
Deiesvmì” keÀe efJekeÀuhe efoKee³eer osiee. ceW, yeQkeÀ, JewkeÀequhekeÀ ceeO³ece kesÀ leewj hej efjceesì F& Jeesefìie megefJeOee
men<e& he´mleeefJele keÀjlee nw leeefkeÀ meom³eieCe Deheves Jeesì FueskeÌì^e@efvekeÀ
4. Deheves Feq®íle efJekeÀuhe DeLee&le “HesÀJej / Deiesvmì” keÀe ®e³eve keÀj
Dehevee Jeesì oW. efve³ele (keÀì Dee@HeÀ) leejerKe hej Mes³ejeW keÀer mebK³ee ªhe mes keÀj hee³esb. yeQkeÀ Üeje eEuekeÀ FveìeFce Fbef[³ee he´e.efue., yeQkeÀ kesÀ
jCeefveleer
(pees JeesìeW keÀer mebK³ee oMee&leer nw) “HesÀJej/ Deiesvmì” ceW he´efJeä jefpemì^ej SJeb Mes³ej ì^ebmeHeÀj SpeWì kesÀ meeLe efjceesì F&-JeeseEìie keÀes megueYe
keÀjW. yeveeves kesÀ efueS DeeJeM³ekeÀ J³eJemLeeSb keÀj ueer ie³eer nQ.
5. DeehekesÀ efveCe&³e kesÀ Devegmeej “HesÀJej / Deiesvmì” ceW mes Gef®ele mesyeer kesÀ heefjhe$e meb. mesyeer/S®eDees/meerSHeÀ[er/meerSce[er/meerDeeF&Deej/
efJekeÀuhe keÀe ®e³eve keÀjves hej ‘mesJe’ eqkeÌuekeÀ keÀjW. leye SkeÀ heer/2020/242 efoveebkeÀ 9 efomebyej, 2020 “met®eerye× kebÀheefve³eeW
“keÀvHeÀjceWMeve yee@keÌme” he´oe|Mele nesiee. Deiej Deehe Deheves JeesìeW Üeje he´oeve keÀer ieF& F&-JeeseEìie megefJeOee” hej, celeoeve he´ef¬eÀ³ee keÀer o#elee
keÀer hegeqä keÀjvee ®eenles nw, lees “keÀvHeÀce&” hej eqkeÌuekeÀ keÀjW, Deiej yeæ{eves kesÀ efueS Deheves [ercewì KeeleeW/ef[hee@efpeìjer/[erheer keÀer JesyemeeFìeW
heefjJele&ve keÀjvee ®eenles nw lees “yewkeÀ” hej eqkeÌuekeÀ keÀj Deheves Jeesì kesÀ ceeO³ece mes SkeÀue uee@efieve ¬esÀ[WefMe³eue kesÀ Üeje F&-JeeseEìie he´ef¬eÀ³ee
ceW megOeej keÀjW.
keÀes meYeer J³eefÊeÀiele [ercewì KeeleeOeejkeÀeW kesÀ efueS me#ece efkeÀ³ee ie³ee
6. SkeÀ yeej mebkeÀuhe hej Deheves Jeesì keÀer hegeqä keÀjves kesÀ he½eele, Deheves nw. J³eefÊeÀiele [ercewì KeeleeOeejkeÀ F&-JeeseEìie mesJee he´oelee (“F&Smeheer”)
Jeesì ceW heefjJele&ve DeLeJee megOeej keÀjvee mebYeJe veneR nesiee.
met®evee
kesÀ meeLe efHeÀj mes hebpeerkeÀjCe efkeÀS efyevee Dehevee Jeesì [eueves ceW me#ece
veesì : neWies, efpememes ve kesÀJeue efveyee&Oe he´ceeCeerkeÀjCe keÀer megefJeOee nesieer yeequkeÀ
“Fvmìeceerì” megefJeOee kesÀ peefjS Jeermeer / DeesSJeerSce kesÀ ceeO³ece mes F&-JeeseEìie he´ef¬eÀ³ee ceW Yeeie uesves ceW Deemeeveer Deewj megefJeOee Yeer nesieer.
Jeee|<ekeÀ meeceev³e yewþkeÀ ceW pees Mes³ejOeejkeÀ / meom³e GheeqmLele jnWies Mes³ejOeejkeÀeW keÀes meueen oer peeleer nw efkeÀ Jes F&-JeeseEìie megefJeOee keÀe
Deewj efpevneWves mebkeÀuhe hej efjceesì F&-JeeseEìie kesÀ ceeO³ece mes Dehevee Jeesì Ghe³eesie keÀjves kesÀ efueS Deheves [erheer kesÀ meeLe Dehevee ceesyeeFue vebyej Deewj
veneR efo³ee nw Deewj pees Dev³eLee Ssmee keÀjves kesÀ efueS Jee|pele veneR nQ, Jes F&-cesue DeeF&[er Dehe[sì keÀjW.
yewþkeÀ kesÀ oewjeve F&-JeeseEìie megefJeOee kesÀ ceeO³ece mes Jeesì osves nsleg hee$e
neWies. efjceesì F&-JeeseEìie keÀer DeJeefOe jefJeJeej, 07 Deiemle 2022 keÀes
Jeee|<ekeÀ meeceev³e yewþkeÀ mes hetJe& efpeve Mes³ejOeejkeÀeW / meom³eeW ves efjceesì he´ele: 10.00 yepes mes ieg©Jeej, 09 Deiemle 2022 keÀes mee³eb
F&-JeeseEìie mes Dehevee Jeesì efo³ee nQ, Jes Jeee|<ekeÀ meeceev³e yewþkeÀ ceW 05.00 yepes lekeÀ nw. Fme DeJeefOe kesÀ oewjeve efve³ele (keÀì Dee@HeÀ)
efjheesì&
Fvmìeceerì megefJeOee kesÀ peefjS Jeermeer / DeesSJeerSce kesÀ ceeO³ece mes GheeqmLele leejerKe DeLee&le yegOeJeej, 03 Deiemle 2022 keÀes YeeweflekeÀ ªhe mes
jnves / menYeeefielee keÀjves nsleg hee$e neWies. leLeeefhe, Jes yewþkeÀ kesÀ oewjeve ³ee [ercesì ªhe ceW Mes³ej jKeves Jeeues yeQkeÀ kesÀ Mes³ejOeejkeÀ Deheves
hegveë Jeesì osves nsleg hee$e veneR neWies. Jeesì FueskeÌì^eefvekeÀ ªhe mes os mekeÀles nQ. lelhe½eele, eEuekeÀ FveìeFce
³eefo Mes³ejOeejkeÀeW / meom³eeW keÀes F&-JeeseEìie kesÀ mebyebOe ceW kegÀí he´Mve ³ee Fbef[³ee he´e.efue. Üeje efjceesì F&-JeeseEìie keÀer ³en megefJeOee yebo keÀj
mecem³ee nw lees Deehe instameet@linkintime.co.inhej F&-cesue keÀjW oer peeSieer.
DeLeJee ìsueerHeÀesve 022-4918 6175 hej keÀe@ue keÀjW.
efJeÊeer³e
[ercewì ªhe / YeeweflekeÀ ªhe ceW he´efleYetefle³eeW keÀes jKeves Jeeues J³eefÊeÀiele Mes³ejOeejkeÀeW kesÀ efueS efjceesì F&-JeeseEìie Deewj uee@efieve he×efle kesÀ efueS he´ef¬eÀ³ee Deewj
efveoxMe veer®es efoS ieS nQ:
[ercewì ªhe / YeeweflekeÀ ªhe ceW ÒeefleYetefle³eeW keÀes jKeves Jeeues J³eefÊeÀiele Mes³ejOeejkeÀeW kesÀ efueS uee@efieve veer®es efo³ee ie³ee nw: -
Mes³ejOeejkeÀeW keÀe he´keÀej uee@efieve efJeefOe
SveSme[erSue ceW [ercewì cees[ ³eefo Mes³ejOeejkeÀ henues mes ner SveSme[erSue DeeF&[erF&SSme megefJeOee kesÀ efueS hebpeerke=Àle nw, lees ke=Àhe³ee SveSme[erSue
ceW he´efleYetefle³eeW keÀes jKeves Jeeues keÀer F&-mee|Jemespe JesyemeeFì osKeW. heme&veue kebÀh³etìj hej ³ee ceesyeeFue hej ³etDeejSue https://eservices.nsdl.
J³eefÊeÀiele Mes³ejOeejkeÀ com ìeFhe keÀjkesÀ Jesye ye´eG]pej KeesueW. Fme hej F&-mesJeeDeeW keÀe cegKe he=ÿ Kegueves kesÀ yeeo, “uee@efieve” kesÀ Debleie&le
“yesefveefHeÀefMe³eue Deesvej” DeeFkeÀve hej eqkeÌuekeÀ keÀjW, pees ‘DeeF[erSSme’ meskeÌMeve hej GheueyOe nw. leye SkeÀ veF&
m¬eÀerve Keguesieer. leye Mes³ejOeejkeÀ keÀes Deheveer ³etpej DeeF&[er Deewj heemeJe[& he´efJeä keÀjvee nesiee.
meHeÀue he´ceeCeerkeÀjCe kesÀ yeeo, Mes³ejOeejkeÀ F&-JeeseEìie mesJeeDeeW keÀes osKe mekeWÀies. F&-JeeseEìie mesJeeDeeW kesÀ Debleie&le
“SkeÌmesme ìt F&-JeeseEìie” hej eqkeÌuekeÀ keÀjves hej F&-JeeseEìie hespe osKe mekeWÀies. yeQkeÀ kesÀ veece ³ee eEuekeÀ FveìeFce veece
hej eqkeÌuekeÀ keÀjW Deewj Mes³ejOeejkeÀ keÀes F&-JeeseEìie mesJee he´oelee ³eeveer efjceesì F&-JeeseEìie DeJeefOe kesÀ oewjeve Jeesì
[eueves ³ee Je®eg&Deue ceereEìie ceW Meeefceue nesves Deewj ceereEìie kesÀ oewjeve JeeseEìie kesÀ efueS eEuekeÀ FveìeFce JesyemeeFì hej
hegveë efveoxefMele efkeÀ³ee peeSiee.
³eefo Ghe³eesiekeÀlee& DeeF&[erF&SSme F&-mesJeeDeeW kesÀ efueS hebpeerke=Àle veneR nw, leye hebpeerkeÀjCe keÀe efJekeÀuhe https://
eservices.nsdl.com hej GheueyOe nw. “DeeF&[erF&SSme” heesì&ue hej ³ee https://eservices.nsdl.com/
SecureWeb/IdeasDirectReg.jsp hej eqkeÌuekeÀ keÀjkesÀ Dee@veueeFve hebpeerkeÀjCe keÀjW.
SveSme[erSue keÀer F&-JeeseEìie JesyemeeFì hej peeSb. heme&veue kebÀh³etìj ³ee ceesyeeFue hej ³etDeejSue https://www.
evoting.nsdl.com/ ìeFhe keÀjkesÀ Jesye ye´eG]pej KeesueW. Fme hej F&-mesJeeDeeW keÀe cegKe he=ÿ Kegueves kesÀ yeeo,
“uee@efieve” kesÀ Debleie&le “Mes³ejOeejkeÀ / meom³e” DeeFkeÀve hej eqkeÌuekeÀ keÀjW, leye SkeÀ veF& m¬eÀerve Keguesieer. leye
Mes³ejOeejkeÀ keÀes Deheveer ³etpej DeeF&[er (DeLee&le SveSme[erSue kesÀ meeLe Deheveer meesuen DebkeÀeW keÀe [ercewì Keelee
vebyej), heemeJe[& / Deesìerheer Deewj m¬eÀerve hej efoKeeS ieS mel³eeheve keÀes[ keÀes ope& keÀjvee nesiee. meHeÀue he´ceeCeerkeÀjCe
kesÀ yeeo, Mes³ejOeejkeÀ keÀes SveSme[erSue ef[hee@efpeìjer meeFì hej jer[ejskeÌì efkeÀ³ee peeSiee, peneb Jen F&-JeeseEìie
hespe osKe mekeÀlee nw. yeQkeÀ ³ee eEuekeÀ FveìeFce kesÀ veece hej eqkeÌuekeÀ keÀjW Deewj efjceesì F&-JeeseEìie DeJeefOe kesÀ oewjeve
Jeesì [eueves ³ee Je®eg&Deue ceW meeqcceefuele nesves SJeb yewþkeÀ kesÀ oewjeve Jeesì keÀjves kesÀ efueS Jen F&-JeeseEìie mesJee he´oelee
JesyemeeFì ³eeveer https://instavote.linkintime.co.in hej jer[ejskeÌì efkeÀ³ee peeSiee.
meer[erSmeSue ceW [ercewì cees[ • efJeÐeceeve Ghe³eesiekeÀlee& efpevneWves F&]peer / F&]peerSmì keÀe efJekeÀuhe ®egvee nw, Jes Deheves Ghe³eesiekeÀlee& DeeF&[er Deewj
ceW he´efleYetefle³eeW keÀes jKeves Jeeues heemeJe[& kesÀ ceeO³ece mes uee@efieve keÀj mekeÀles nQ. efyevee efkeÀmeer Deewj he´ceeCeerkeÀjCe kesÀ F&-JeeseEìie hespe hej hengb®eves keÀe
J³eefÊeÀiele Mes³ejOeejkeÀ efJekeÀuhe GheueyOe keÀje³ee peeSiee. F&peer / F&]peerSmì ceW ueeefieve keÀjves kesÀ efueS Ghe³eesiekeÀlee&DeeW kesÀ efueS ³etDeejSue
https://web.cdslindia.com/myeasi/home/login ³ee www.cdslindia.com nw Deewj veS efmemìce
cee³emeer hej eqkeÌuekeÀ keÀjW.
• F&]peer / F&]peerSmì kesÀ meHeÀue uee@efieve kesÀ yeeo Ghe³eesiekeÀlee& F& JeeseEìie cesvet Yeer osKe mekesbÀies. cesv³et ceW F&-JeeseEìie mesJee
he´oelee ³eeveer eEuekeÀ FveìeFce kesÀ eEuekeÀ neWies. Dehevee Jeesì [eueves kesÀ efueS eEuekeÀ FveìeFce veece hej eqkeÌuekeÀ keÀjW.
• ³eefo Ghe³eesiekeÀlee& F&]peer / F&]peerSmì kesÀ efueS hebpeerke=Àle veneR nw, lees hebpeerkeÀjCe keÀe efJekeÀuhe https://web.
cdslindia.com/myeasi./Registration/EasiRegistration hej GheueyOe nw.
• JewkeÀequhekeÀ ªhe mes, Ghe³eesiekeÀlee& www.cdslindia.com cegKe he=ÿ hej SkeÀ eEuekeÀ mes [ercewì Keelee mebK³ee Deewj
hewve vebyej he´oeve keÀjkesÀ meerOes F&-JeeseEìie he=ÿ lekeÀ hengb®e mekeÀlee nQ. efmemìce [ercewì Keeles ceW hebpeerke=Àle ceesyeeFue
Deewj F&cesue hej Deesìerheer YespekeÀj Ghe³eesiekeÀlee& keÀes he´ceeefCele keÀjsiee. meHeÀue he´ceeCeerkeÀjCe kesÀ yeeo, Ghe³eesiekeÀlee&
keÀes mebyebefOele F&Smeheer kesÀ efueS eEuekeÀ he´oeve efkeÀS peeSbies peneb F& JeeseEìie ®eue jner nw.
J³eefÊeÀiele Mes³ejOeejkeÀ ([ercewì ªhe • Mes³ejOeejkeÀ F&-JeeseEìie megefJeOee kesÀ efueS SveSme[erSue / meer[erSmeSue kesÀ meeLe hebpeerke=Àle Deheves ef[hee@efpeìjer
ceW he´efleYetefle OeejkeÀ) Deewj Deheves heee|ìefmeheWì kesÀ ceeO³ece mes Deheves [ercewì Keeles kesÀ uee@efieve ¬esÀ[WefMe³eue keÀe Ghe³eesie keÀjkesÀ Yeer uee@efieve keÀj mekeÀles
ef[hee@efpeìjer he´efleYeeefie³eeW kesÀ ceeO³ece nQ.
mes uee@efieve keÀjW • uee@efieve keÀjves kesÀ yeeo, Mes³ejOeejkeÀ F&-JeeseEìie efJekeÀuhe osKe mekeWÀies. SkeÀ yeej peye Jen F&-JeeseEìie efJekeÀuhe hej
eqkeÌuekeÀ keÀjlee nw, lees Gmes meHeÀue he´ceeCeerkeÀjCe kesÀ yeeo SveSme[erSue / meer[erSmeSue ef[hee@efpeìjer meeFì hej Yespe
efo³ee peeSiee, peneb Jen F&-JeeseEìie megefJeOee osKe mekeÀlee nw. yeQkeÀ kesÀ veece ³ee eEuekeÀ FveìeFce veece hej eqkeÌuekeÀ keÀjW
Deewj efjceesì F&-JeeseEìie DeJeefOe kesÀ oewjeve Jeesì [eueves ³ee Je®eg&Deue ceereEìie ceW Meeefceue nesves Deewj ceereEìie kesÀ oewjeve
JeeseEìie keÀjves kesÀ efueS GvnW F&-JeeseEìie mesJee he´oelee JesyemeeFì hej jer[ejskeÌì efkeÀ³ee peeSiee.
jCeefveleer
meer. pevceefleefLe / efveieceve efleefLe: pevce efleefLe / efveieceve efleefLe he´efJeä keÀjW (pewmee efkeÀ DeehekesÀ [erheer/kebÀheveer kesÀ
meeLe ope& efkeÀ³ee ie³ee nw – efleefLe / ceen / Je<e& he´eªhe ceW)
[er. yeQkeÀ Keelee mebK³ee: Deheveer yeQkeÀ Keelee mebK³ee (Debeflece ®eej DebkeÀ) he´efJeä keÀjW, pewmee efkeÀ DeehekesÀ [erheer/
kebÀheveer kesÀ heeme he´efJeä nw.
• YeeweflekeÀ ªhe ceW Mes³ej jKeves Jeeues uesefkeÀve GkeÌle ‘meer’ Deewj ‘[er’ ope& veneR efkeÀS ieS Mes³ejOeejkeÀ / meom³e, Thej
‘[er’ ceW Dehevee HeÀesefue³ees vebyej he´oeve keÀjWies.
Deheveer hemebo keÀe heemeJe[& mesì keÀjW (heemeJe[& ceW keÀce mes keÀce 8 De#ej, keÀce mes keÀce SkeÀ efJeMes<e JeCe& (@!#$&*),
keÀce mes keÀce SkeÀ DebkeÀ, keÀce mes keÀce SkeÀ De#ej Deewj keÀce mes keÀce SkeÀ yeæ[s De#ej keÀe nesvee ®eeefnS.
“kebÀHeÀce&” hej eqkeÌuekeÀ keÀjW (DeehekeÀe heemeJe[& Deye lew³eej nes ie³ee nw).
met®evee
1. ‘Mes³ej OeejkeÀ’ ìwye kesÀ Debleie&le ‘uee@efieve’ hej eqkeÌuekeÀ keÀjW.
2. Dehevee ³etpej DeeF&[er, heemeJe[& Deewj Fcespe JesefjefHeÀkesÀMeve (kewÀh®ee) keÀes[ ope& keÀjW Deewj ‘meyeefceì’ hej eqkeÌuekeÀ
keÀjW.
3. meHeÀue uee@efieve kesÀ yeeo Deehe F&-JeeseEìie keÀe veesefìefHeÀkesÀMeve osKe heeSbies. ‘J³et’ DeeFkeÀve ®egveW.
4. F&-JeeseEìie hespe efoKeeF& osiee.
5. mebkeÀuhe efJeJejCe osKeW Deewj Deheves Jeebefíle efJekeÀuhe ‘he#e / efJehe#e’ keÀe ®e³eve keÀjkesÀ Dehevee Jeesì oW (³eefo Deehe
mebhetCe& mebkeÀuhe efJeJejCe osKevee ®eenles nQ, lees ‘efj]pee@u³etMeve osKeW’ ]HeÀeFue eEuekeÀ hej eqkeÌuekeÀ keÀjW).
6. Jeebefíle efJekeÀuhe ³eeveer he#e / efJehe#e keÀe ®e³eve keÀjves kesÀ yeeo, ‘meyeefceì’ hej eqkeÌuekeÀ keÀjW. SkeÀ hegeqäkeÀjCe
yee@keÌme he´oe|Mele efkeÀ³ee peeSiee. ³eefo Deehe Deheves Jeesì keÀer hegeqä keÀjvee ®eenles nQ, lees ‘neb’ hej eqkeÌuekeÀ keÀjW, Dev³eLee
efjheesì&
Dehevee Jeesì yeoueves kesÀ efueS, ‘veneR’ hej eqkeÌuekeÀ keÀjW Deewj leovegmeej Dehevee Jeesì mebMeesefOele keÀjW.
³eefo YeeweflekeÀ ªhe ceW Mes³ej jKeves Jeeues Mes³ejOeejkeÀ heemeJe[& veesì :
Yetue ieS nQ: YeeweflekeÀ ªhe ceW Mes³ej jKeves Jeeues Mes³ejOeejkeÀeW kesÀ efueS, efJeJejCe keÀe Ghe³eesie
• ‘Mes³ej nesu[j’ ìwye kesÀ Debleie&le ‘uee@efieve’ hej eqkeÌuekeÀ keÀjW Deewj kesÀJeue Fme veesefìme ceW efveefnle he´mleeJeeW hej celeoeve kesÀ efueS efkeÀ³ee pee mekeÀlee
Deeies ‘HeÀesiexì heemeJe[&’ hej eqkeÌuekeÀ keÀjW. nw.
• Ghe³eesiekeÀlee& DeeF&[er ope& keÀjW, cees[ ®egveW SJeb ef®e$eb mel³eeheve keÀes[
(kewÀh®ee) ope& keÀjW. “meyeefceì” hej eqkeÌuekeÀ keÀjW. ³en ¢æ{lee mes DevegMebmee keÀer peeleer nw efkeÀ Dehevee heemeJe[& efkeÀmeer Dev³e J³eefÊeÀ efJeÊeer³e
kesÀ meeLe meePee ve keÀjW Deewj Deheves heemeJe[& keÀes ieesheveer³e jKeves kesÀ efueS
³eefo Mes³ejOeejkeÀ kesÀ heeme JewOe F&cesue helee nw, lees heemeJe[& Mes³ejOeejkeÀ Del³eefOekeÀ meeJeOeeveer yejleW.
kesÀ hebpeerke=Àle F&-cesue heles hej Yespee peeSiee. Dev³eLee, Mes³ejOeejkeÀ megj#ee
he´Mve Deewj GÊej, hewve, pevce efleefLe / [erDeesDeeF&, ueeYeebMe yeQkeÀ efJeJejCe SveSme[erSue/meer[erSmeSue kesÀ heeme [ercewì cees[ ceW he´efleYetefle jKeves
Deeefo kesÀ efJeJejCe kesÀ yeejs ceW peevekeÀejer he´oeve keÀjkesÀ Deheveer hemebo keÀe Jeeues J³eefÊeÀiele Mes³ejOeejkeÀ heemeJe[& Yetue ieS nQ:
heemeJe[& mesì keÀj mekeÀlee nw Deewj hegeqä keÀj mekeÀlee nw. (heemeJe[& ceW keÀce Mes³ejOeejkeÀ / meom³e pees ³etpej DeeF&[er / heemeJe[& he´ehle keÀjves ceW DemeceLe& nQ,
mes keÀce 8 De#ej, v³etvelece SkeÀ efJeMes<e JeCe& (@ !# $&*), v³etvelece SkeÀ GvnW meueen oer peeleer nw efkeÀ Jes Ghe³eg&ÊeÀ ef[hee@efpeìjer / ef[hee@efpeìjer he´efleYeeefie³eeW
DebkeÀ, v³etvelece SkeÀ De#ej Deewj v³etvelece SkeÀ yeæ[e De#ej nesvee ®eeefnS) keÀer JesyemeeFì hej GheueyOe HeÀe@jiesì ³etpej DeeF&[er Deewj HeÀe@jiesì heemeJe[&
efJekeÀuhe keÀe Ghe³eesie keÀjW.
Dehevee Jeesì FueskeÌì^eefvekeÀ ªhe ceW oW ³eefo Mes³ejOeejkeÀeW / meom³eeW kesÀ heeme [ercewì ªhe ceW he´efleYetefle³eeW keÀes jKeves kesÀ
1. meHeÀue uee@ie-Fve kesÀ he½eele, Fvmìe Jeesì kesÀ nesce hespe hej DeehekeÀes efueS ef[hee@efpeìjer ³eeveer SveSme[erSue / meer[erSmeSue kesÀ ceeO³ece mes uee@efieve
F&-JeeseEìie keÀe veesefìefHeÀkesÀMeve efoKee³eer osiee. Jeesì osves kesÀ efueS keÀjves mes mebyebefOele keÀesF& lekeÀveerkeÀer mecem³ee nw, lees Jes veer®es efoS ieS mebyebefOele
yeQkeÀ keÀe “FJesvì vebyej” ®e³eve keÀjW ³ee osKeW(efmeueskeÌì/J³et). nsuhe[smkeÀ mes mebheke&À keÀj mekeÀles nQ:
2. JeeseEìie hespe hej DeehekeÀes “efjpeesu³egMeve ef[m¬eÀerheMeve” efoKee³eer
osiee Deewj GmekesÀ meeceves JeeseEìie kesÀ efueS “HesÀJej/Deiesvmì” keÀe uee@efieve he´keÀej nsuhe[smkeÀ efJeJejCe
efJekeÀuhe efoKee³eer osiee. Gef®ele efJekeÀuhe DeLee&led F®íevegmeej SveSme[erSue kesÀ uee@efieve ceW efkeÀmeer Yeer lekeÀveerkeÀer mecem³ee keÀe
“HesÀJej/Deiesvmì” keÀe ®e³eve keÀj Dehevee Jeesì oW. meeLe [ercewì cees[ ceW meecevee keÀjves Jeeues meom³e evoting@nsdl.
he´efleYetefle³eeb jKeves Jeeues co.in hej DevegjesOe YespekeÀj SveSme[erSue
keÀì Dee@HeÀ leejerKe hej Mes³ej keÀer mebK³ee (pees JeesìeW keÀer mebK³ee
J³eefÊeÀiele Mes³ejOeejkeÀ nsuhe[smkeÀ mes mebheke&À keÀj mekeÀles nQ ³ee
oMee&leer nw) “HesÀJej/Deiesvmì” ceW he´efJeä keÀjW. Deehe “Deueie jnvee
ìesue He´Àer vebyej: 1800 1020 990 Deewj
(Deyemìsve)” keÀe efJekeÀuhe Yeer ®egve mekeÀles nw, lees Oeeefjle Mes³eme&
1800 22 44 30 hej keÀe@ue keÀj mekeÀles nQ.
“HesÀJej/ Deiesvmì” kesÀ efueS veneR efieves pee³esieW.
meer[erSmeSue kesÀ uee@efieve ceW efkeÀmeer lekeÀveerkeÀer mecem³ee keÀe
3. ³eefo Deehe hetje mebkeÀuhe efJeJejCe osKevee ®eenles nw, lees
meeLe [ercewì cees[ ceW meecevee keÀjves Jeeues meom³e helpdesk.
“J³et efj]peesu³etMeve” HeÀeFue eEuekeÀ hej eqkeÌuekeÀ keÀjW.
he´efleYetefle³eeb jKeves Jeeues evoting@cdslindia.com hej DevegjesOe
4. “HesÀJej/ Deiesvmì” ceW mes Gef®ele efJekeÀuhe keÀe ®e³eve keÀjves hej J³eefÊeÀiele Mes³ejOeejkeÀ YespekeÀj meer[erSmeSue nsuhe[smkeÀ mes mebheke&À keÀj
Deeheves Jeesì osves keÀe efveCe&³e efue³ee nw lees ‘meyeefceì’ hej eqkeÌuekeÀ mekeÀles nQ ³ee 022- 23058738 ³ee 22-
keÀjW. SkeÀ “keÀvHeÀjceWMeve yee@keÌme” efoKesiee. Deiej Deehe Deheves Jeesì 23058542-43 hej mebheke&À keÀj mekeÀles nQ.
keÀer hegeqä keÀjvee ®eenles nw, lees “neb (³eme)” hej eqkeÌuekeÀ keÀjW, Deiej
heefjJele&ve keÀjvee ®eenles nw lees “veneR (vees)” hej eqkeÌuekeÀ keÀj, Deheves • ³eefo Mes³ejOeejkeÀ / meom³e YeeweflekeÀ ªhe ceW he´efleYetefle³eeW keÀes OeejCe
Jeesì ceW mebMeesOeve keÀjW. keÀjles nQ / mebmLeeiele Mes³ejOeejkeÀeW kesÀ heeme F&-JeeseEìie kesÀ mebyebOe ceW
5. SkeÀ yeej mebkeÀuhe hej Deheves Jeesì keÀer hegeqä keÀjves kesÀ he½eele Deheves keÀesF& he´Mve ³ee mecem³ee nw, lees ke=Àhe³ee https://instavote.linkintime.
Jeesì ceW heefjJele&ve DeLeJee megOeej keÀjvee mebYeJe veneR nw. co.in, hej nsuhe meskeÌMeve kesÀ lenle GheueyOe DekeÌmej hetís peevesJeeues
he´Mve (“SHeÀSke̳et”) Deewj FbmìeJeesì F&-JeeseEìie cewvegDeue osKeW, ³ee
6. Deehe JeeseEìie he=ÿ hej “eEhe´ì” efJekeÀuhe keÀe ®e³eve keÀj, Deheves efo³es enotices@linkintime.co.in hej F&cesue efueKeW ³ee nceW keÀe@ue keÀjW:-
ie³es Jeesì keÀe `eEhe´ì DeeGì’ Yeer ues mekeÀles nQ. otjYee<e:022-49186000
mebmLeeiele Mes³ejOeejkeÀeW kesÀ efueS efoMeeefveoxMe:
II. Mes³ejeWOeejkeÀeW kesÀ JeeseEìie DeefOekeÀej keÀì-Dee@HeÀ leejerKe DeLee&led yegOeJeej,
• mebmLeeiele Mes³ejOeejkeÀeW (DeLee&le Jew³eefÊeÀkeÀeW kesÀ DeueeJee, S®e³etSHeÀ, efoveebkeÀ 03 Deiemle, 2022 keÀes yeQkeÀ keÀer ®egkeÀlee FeqkeÌJeìer Mes³ej hetbpeer
SveDeejDeeF& Fl³eeefo) SJeb DeefYej#ekeÀ keÀes SueDeeF&DeeF&heerSue ceW GvekesÀ Mes³ejeW kesÀ Devegheele ceW neWies. leLeeefhe,yeQeEkeÀie kebÀheveerpe (Ghe¬eÀceeW
keÀer F&-JeeseEìie he´Ceeueer ceW https://instavote.linkintime. keÀe DeefOeie´nCe SJeb DeblejCe) DeefOeefve³ece, 1970 keÀer Oeeje 3(2F&) kesÀ
co.in hej uee@ie F&ve keÀj keÀm[esef[³eve (c³eg®³egDeue HebÀ[/keÀe@heexjsì he´eJeOeeveeW keÀer MeleeX kesÀ Devegmeej, kesÀvê mejkeÀej keÀes íesæ[keÀj, yeQkeÀ keÀe
efvekeÀe³e” kesÀ leewj hej mJeb³e keÀes hebpeerke=Àle keÀjvee nesiee. Dev³e keÀesF& Yeer Mes³ejOeejkeÀ GmekesÀ Oeeefjle Mes³ejeW kesÀ efueS yeQkeÀ kesÀ meYeer
GvnW yees[& keÀe mebkeÀuhe / he´eefOekeÀej he$e/ cegKleejveecee Deeefo keÀer Mes³ejOeejkeÀeW kesÀ kegÀue JeeseEìie DeefOekeÀejeW kesÀ ome he´efleMele mes DeefOekeÀ,
mkewÀve keÀer ie³eer he´ceeefCele mel³e he´efleefueefhe, meeLe ner efJeefOeJele JeeseEìie DeefOekeÀej keÀe he´³eesie keÀjves nsleg hee$e veneR nesiee.
he´eefOeke=Àle he´efleefveefOe(³eeW) kesÀ mel³eeefhele vecetvee nmlee#ej, heer[erSHeÀ III. Ssmee J³eefÊeÀ, efpemekeÀe veece keÀì-Dee@HeÀ efleefLe DeLee&le yegOeJeej,
he´eªhe ceW “DeefYej#ekeÀ (keÀm[esef[³eve/ c³eg®³egDeue HebÀ[ /keÀe@heexjsì 03 Deiemle 2022 keÀes meom³eeW kesÀ jefpemìj ceW DeLeJee ef[hee@efpeìjer
efvekeÀe³e” uee@ie-Fve ceW Deheuees[ keÀjves nesieW, leeefkeÀ peeb®ekeÀlee& Üeje jKes ieS ueeYeeLeea mJeeceer kesÀ jefpemìj ceW efjkeÀe[& efkeÀ³ee ie³ee nw,
(m¬etÀefìveeF]pej) Gmes mel³eeefhele keÀj mekeWÀ. efmeHe&À Jen efjceesì& F&-JeeseEìie Deewj SpeerSce ceW F&-JeeseEìie keÀer megefJeOee kesÀ
meYeer Mes³ejOeejkeÀeW kesÀ efueS meeceev³e efoMeeefveoxMe: efueS hee$e nesiee.
• JeeseEìie DeJeefOe kesÀ oewjeve Mes³ejOeejkeÀ Gme efJeefMeä FJeWì kesÀ efueS IV. Ssmee J³eefÊeÀ, pees yewþkeÀ keÀer met®evee F&-cesue kesÀ ceeO³ece mes Yespes peeves
mebkeÀuhe(uheeW) nsleg Jeesì keÀjves lekeÀ keÀF& yeej uee@efieve keÀj mekeÀles nQ. kesÀ he½eele yeQkeÀ keÀe meom³e yevee nes leLee keÀì- Dee@HeÀ efleefLe DeLee&le
• efJeefYeVe HeÀesefue³eeW / [ercesì Keelee jKevesJeeues Mes³ejOeejkeÀ, he´l³eskeÀ MeefveJeej, 03 pegueeF& 2023 keÀes Mes³ej OeejCe keÀjlee nes, Ghe³eg&ÊeÀ
HeÀesefue³ees / [ercesì Keeles kesÀ efueS mJeleb$e ªhe mes JeeseEìie he´ef¬eÀ³ee he´ef¬eÀ³ee kesÀ Devegmeej ³etpej DeeF&[er SJeb heemeJe[& he´ehle keÀj mekeÀlee nw.
keÀes ®egve mekeÀles nQ. V. Fme veesefìme keÀer SkeÀ he´efle yeQkeÀ keÀer JesyemeeFì Deewj eEuekeÀ FveìeFce
• [ercewì ªhe ceW he´efleYetefle³eeb jKeves Jeeues J³eefÊeÀiele Mes³ejOeejkeÀeW kesÀ Fbef[³ee he´eFJesì efueefceìs[ keÀer JesyemeeFì hej Yeer GheueyOe nw.
efueS nsuhe[smkeÀ:
VI. efjceesì F&-JeeseEìie he´ef¬eÀ³ee keÀes Gef®ele SJeb heejoMeea lejerkesÀ mes mebheVe 9. Mes³ejOeejkeÀ yewþkeÀ kesÀ efueS yeQkeÀ keÀer JesyemeeFì mes Jeee|<ekeÀ efjheesì& Yeer
keÀjves nsleg, kebÀheveer meef®eJe Sme. Sve DevebLemegye´ceefve³eve Sb[ kebÀheveer keÀes he´ehle keÀj mekeÀles nQ.
peeb®ekeÀlee& kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw. 10. YeeweflekeÀ ªhe ceW Mes³ej Oeeefjle keÀjves Jeeues Mes³ejOeejkeÀeW keÀes met®evee:
VII. peeb®ekeÀlee& F&-JeeseEìie DeJeefOe kesÀ meceeheve mes oes (2) keÀe³e& efoJemeeW keÀer pewmee efkeÀ Deehe peeveles ner nQ efkeÀ YeeweflekeÀ mJeªhe ceW Mes³ejeW keÀe ¬eÀ³e-
DeefOekeÀlece DeJeefOe kesÀ Yeerlej keÀce mes keÀce oes (2) ieJeeneW pees yeQkeÀ kesÀ efJe¬eÀ³e veneR efkeÀ³ee pee mekeÀlee, Dele: Mes³ejOeejkeÀeW keÀes lejuelee he´oeve
jespeieej ceW veneR nQ keÀer GheeqmLeefle ceW JeesìeW keÀes Deveyuee@keÀ keÀjsiee Deewj keÀjves kesÀ efueS, nce Deehemes efveJesove keÀjles nQ efkeÀ Deehe Deheves Mes³ejeW keÀes
peeb®ekeÀlee& keÀer efjheesì& ®eens Jen he#e ceW DeLeJee efJeª×, pewmeer Yeer nes, [ercesì mJeªhe ceW heefjJee|lele keÀj ueW. Deehe yeQkeÀ keÀer efkeÀmeer Yeer vepeoerkeÀer
lew³eej keÀj DeO³e#e ceneso³e keÀes he´mlegle keÀer pee³esieer. MeeKee, pees [ercesì mesJee he´oeve keÀjleer nes, ceW Keelee KeesuekeÀj Deheves
jCeefveleer
VIII. peeb®ekeÀlee& keÀer efjheesì& kesÀ meeLe Ieesef<ele heefjCeece yeQkeÀ keÀer JesyemeeFì Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele keÀj mekeÀles nQ. yeQkeÀ keÀer JesyemeeFì
www.centralbankofindia.co.in SJeb eEuekeÀ FveìeFce Fbef[³ee he´e. hej [ercesì mesJeeSb he´oeve keÀjves Jeeueer MeeKeeDeeW keÀer met®eer GheueyOe nw.
efue. keÀer JesyemeeFì hej yeQkeÀ keÀer Jeee|<ekeÀ meeOeejCe yewþkeÀ ceW mebkeÀuhe Mes³ejeW keÀes [ercesì mJeªhe ceW heefjJee|lele keÀjves kesÀ DeveskeÀ HeÀe³eos nQ pewmes
heefjle keÀjves kesÀ oes (2) efoveeW kesÀ Yeerlej he´oe|Mele efkeÀS peeSbies SJeb yeerSmeF& #eefle DeLeJee ieuele meghego&ieer mes ye®eeJe, leerJe´ efveheìeve, keÀeiepejefnle
efueefceìs[ leLee vesMeveue mìe@keÀ efueefceìs[ keÀes Yeer metef®ele efkeÀ³ee pe³esiee. uesve-osve Deeefo. meeLe ner, heles ceW heefjJele&ve, yeQkeÀ DeefOeosMe, veeceebkeÀve
4. Mes³ejOeejkeÀeW kesÀ jefpemìj keÀes yebo keÀjvee: SJeb uesveosve kesÀ DevegjesOe keÀer met®evee Yeer SkeÀ ner mLeeve hej DeLee&le Jen
MeeKee, peneb Deeheves Dehevee [ercesì Keelee Keesuee nw, ceW ner osveer nesleer nw,
yeQkeÀ kesÀ Mes³ejOeejkeÀeW keÀe jefpemìj Deewj Mes³ej ì^ebmeHeÀj yegkeÌme 07
Yeues ner DeehekesÀ heeme SkeÀ mes DeefOekeÀ kebÀheefve³eeW/mebmLeeDeeW kesÀ Mes³ej neW.
Deiemle, 2022 (jefJeJeej) mes 10 Deiemle, 2022 (yegOeJeej) (oesveeW efove
Meeefceue) lekeÀ yebo jnWies. 11. DeoeJeeke=Àle ueeYeebMe, ³eefo keÀesF& nes
met®evee
5. celeeefOekeÀej Jes Mes³ejOeejkeÀ, efpevneWves Deheves ueeYeebMe Jeejbì veneR YegveeS nQ ³ee efpevnW
efheíues Je<eeX ceW efkeÀmeer Yeer Je<e& kesÀ ueeYeebMe he´ehle veneR ngS nQ, Gvemes
DeefOeefve³ece keÀer Oeeje 3(2F&) kesÀ GheyebOeeW kesÀ Devegmeej, me¢Me veS yeQkeÀ
DevegjesOe nw efkeÀ Jes Deheves yeQkeÀ Keeles ceW meerOes Yegieleeve efkeÀS peeves ³ee otmeje
keÀe keÀesF& Yeer Mes³ejOeejkeÀ, Deheves Üeje Oeeefjle Mes³ejeW kesÀ mecyebOe ceW, yeQkeÀ
([ghueerkesÀì) ueeYeebMe Jeejbì /ceebie [^eHeÌì peejer keÀjves kesÀ efueS yeQkeÀ kesÀ
kesÀ meYeer Mes³ejOeejkeÀeW kesÀ kegÀue celeeefOekeÀej kesÀ ome he´efleMele mes DeefOekeÀ
jefpemì^ej SJeb Mes³ej ì^ebmeHeÀj SpeWì mes mebheke&À keÀjW.
kesÀ celeoeve-DeefOekeÀej keÀe he´³eesie keÀjves keÀe n]keÀoej veneR nesiee / nesieer.
yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe SJeb DeblejCe), DeefOeefve³ece,
Ghe³eg&ÊeÀ kesÀ DeOeerve, efJeefve³eceve 68 kesÀ Devegmeej kesÀvê mejkeÀej mes efYeVe,
1970 keÀer Oeeje 10yeer kesÀ Devegmeej, Dehe´oÊe ueeYeebMe Keeles ceW DeblejCe
he´l³eskeÀ Mes³ejOeejkeÀ, pees Mes³ejOeejkeÀ kesÀ ©he ceW hebpeerke=Àle nw, Dehevee
keÀer leejerKe mes meele Je<eeX keÀer DeJeefOe lekeÀ ³eefo ueeYeebMe keÀer jeefMe
neLe efoKeekeÀj SkeÀ cele os mekesÀiee Deewj celeoeve keÀer eqmLeefle ceW GmekesÀ
efjheesì&
DeoÊe DeLeJee DeoeJeeke=Àle jnleer nw lees Jen jeefMe efveJesMekeÀ efMe#ee SJeb
Üeje Oeeefjle he´l³eskeÀ Mes³ej kesÀ efueS Gmes SkeÀ Jeesì osves keÀe DeefOekeÀej
megj#ee efveefOe (DeeF&F&heerSHeÀ) ceW Debleefjle keÀj oer peeSieer Deewj lelhe½eele
nesiee.
Fme Yegieleeve kesÀ meboYe& ceW keÀesF& oeJee yeQkeÀ hej ueeiet veneR nesiee. efpeve
6. yewþkeÀ keÀe heefjCeece: Mes³ejOeejkeÀeW keÀe DeoeJeeke=Àle ueeYeebMe DeeF&F&heerSHeÀ keÀes nmleebleefjle
Fme mebkeÀuhe keÀes SpeerSce keÀer leejerKe keÀes yeQkeÀ kesÀ he´Oeeve keÀe³ee&ue³e ceW keÀj efo³ee ie³ee nw, Jes www.iepf.gov.in hej GheueyOe Jesye HeÀe@ce&
mebkeÀuhe kesÀ he#e ceW Dehesef#ele mebK³ee ceW celeeW keÀer he´eeqhle kesÀ DeOeerve heeefjle vebyej DeeF&F&heerSHeÀ-5 ceW DeeF&F&heerSHeÀ he´eefOekeÀjCe keÀes SkeÀ Dee@veueeFve
ceevee peeSiee DeeJesove keÀjkesÀ FmekeÀe oeJee keÀj mekeÀles nQ. efJeJejCe kesÀ efueS, ke=Àhe³ee
Fme efjheesì& kesÀ keÀe@jheesjsì ieJeveXme efjheesì& Jeeues Yeeie keÀes osKeW Deewj yeQkeÀ
7. yewþkeÀ keÀe DeefYeuesKe / keÀe³e&Je=Êe:
keÀer JesyemeeFì https://www.centralbankofindia.co.in/sites/
Jeermeer / DeesSJeerSce kesÀ ceeO³ece mes Dee³eesefpele SpeerSce keÀe keÀe³e&Je=Êe
efJeÊeer³e
default/files/FAQ_Information_for_shareholders.pdf hej
³eLeeMeerIe´ efveJesMekeÀ mebyebOe DevegYeeie kesÀ lenle yeQkeÀ keÀer JesyemeeFì www. efveJesMekeÀ he=ÿ hej DekeÌmej hetís peeves Jeeues he´Mve osKeW.
centralbankofindia.co.in hej GheueyOe keÀje³ee peeSiee.
60
kegÀue pecee 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069 2,55,572 2,66,184 2,96,671 2,94,839 2,99,855 3,13,763 329973 342692
Je<e& -oj -Je<e& Je=ef× 23.49% 10.64% 9.38% 15.22% 6.21% 6.46% 4.15% 11.45% (0.62%) 1.70% 4.63% 5.17% 3.85%
kegÀue $eÝCe SJeb Deefie´ce 1,07,118 1,31,407 1,50,725 176234 1,83,321 1,94,967 1,90,152 1,53,008 1,77,484 1,67,729 1,72,244 1,76,913 1,89,712
Je<e& -oj -Je<e& Je=ef× 23.49% 22.67% 14.70% 16.92% 4.02% 6.35% (2.47%) (19.53%) 16.00% (5.50%) 2.69% 2.71% 7.23%
efveJesMe 52,008 54,847 59,577 72,662 86,384 95,655 89,895 93,792 1,05,295 1,29,219 1,47,358 1,53,820 146759
Je<e& -oj -Je<e& Je=ef× 17.02% 5.46% 8.62% 21.96% 18.88% 10.73% (6.02%) 4.34% 12.26% 22.72% 14.03% 4.39% (4.59%)
meer[er Devegheele 66.08% 73.27% 76.83% 77.97% 76.36% 76.29% 71.44% 51.57% 60.20% 55.94% 54.90% 53.61% 55.63
Deeeqmle³eeW hej Dee³e 0.66% 0.70% 0.26% 0.44% (0.47%) 0.21% (0.48%) (0.80%) (1.61%) (1.70%) (0.35%) (0.26%) 0.30%
*®eeuet Je<e& ceW JeieeakeÀjCe keÀer hegeqä nsleg peneb Yeer DeeJeM³ekeÀ nw Jeneb cee®e& 21 kesÀ DeebkeÀ[eW keÀe hegveë heefjkeÀueve/hegveë mecegnve efkeÀ³ee ie³ee nw.
peejer
met®evee
efveosMekeÀ efjheesì& 2021-22
DeehekesÀ efveosMekeÀeW keÀes efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle Je<e& kesÀ efueS uesKee hejeref#ele uesKee efJeJejCe, ueeYe SJeb neefve Keeles leLee vekeÀo-he´Jeen efJeJejCe kesÀ meeLe yeQkeÀ keÀer Jeee|<ekeÀ efjheesì& he´mlegle
keÀjles ngS he´meVelee nes jner nw.
1. keÀe³e& efve<heeove JewefMeä 86.69% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2021keÀes 82.54% Lee.
» efoveebkeÀ 31 cee®e&, 2022 keÀes yeQkeÀ keÀe kegÀue J³eJemee³e ` 532404 » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& keÀes Meg× y³eepe ceee|peve
keÀjesæ[ jne pees 31 cee®e& 2021 keÀes ` 506886 keÀjesæ[ Lee. (SveDeeF&Sce) yesnlejer oMee&les ngS 3.21% jne. pees efoveebkeÀ 31 cee®e&,
» yeQkeÀ keÀer kegÀue peceejeefMe ` 342692 keÀjesæ[ nes ieF&, pees 31 cee®e& 2021 keÀes meceehle efJeÊeer³e Je<e& ceW 2.78% Lee.
2021 keÀes ` 329973 keÀjesæ[ Leer. » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW Deeeqmle³eeW hej he´efleHeÀue
jCeefveleer
» yeQkeÀ keÀe kegÀue Deefie´ce ` 189712 keÀjesæ[ nes ie³ee nw, pees 31 cee®e&, 2021 (DeejDeesS) 0.30% jne.
keÀes ` 176913 keÀjesæ[ Lee. » efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve he´eLeefcekeÀlee #es$e ceW $eÝCe efve³eespeve
` 93887 keÀjesæ[ jne. leLeeefhe, he´eLeefcekeÀlee #es$e Deefie´ceeW ceW SSveyeermeer
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW kegÀue Dee³e ` 25770
keÀjesæ[ ngF& peyeefkeÀ efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW keÀes $eÝCe kesÀ DeeefOeke̳e keÀe ueeYe Gþeves kesÀ efueS yeQkeÀ ves heerSmeSuemeer ceW
³en `25846 * keÀjesæ[ Leer. efye¬eÀer/Kejero uesve-osve efkeÀ³ee nw. Je<e& kesÀ oewjeve yeQkeÀ ves he´eLeefcekeÀlee #es$e
Deefie´ceeW kesÀ Debleie&le ` 15528 keÀjesæ[ kesÀ heerSmeSuemeer keÀer efye¬eÀer keÀer.
» yeQkeÀ keÀer iewj-y³eepe Dee³e efoveebkeÀ 31 cee®e&, 2022 keÀes ` 2968 keÀjesæ[
ngF& pees efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW ` 3116* » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS yeQkeÀ keÀe ke=Àef<e
keÀjesæ[ Leer. $eÝCe ` 38635 keÀjesæ[ nes ie³ee. pees efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle
efJeÊeer³e Je<e& ceW ` 36207 keÀjesæ[ Lee.
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ keÀe heefj®eeueve
met®evee
ueeYe 25.40% keÀer Je=ef× oMee&les ngS `5742 keÀjesæ[ ngDee, pees efheíues » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS SceSmeSceF&
Je<e& efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW ` 4579* keÀjesæ[ Deefie´ce heerSmeSuemeer kesÀ efyevee ` 31438.55 keÀjesæ[ jne Deewj efme[yeer ceW
`264.04 keÀjesæ[ keÀe leLee cegêe efueefceìs[ ceW ` 31.65 keÀjesæ[ keÀe efveJesMe
Lee.
nw. efJeÊeer³e Je<e& 2021-22 keÀe heerSmeSuemeer Metv³e nw.
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ ves ` 1045
keÀjesæ[ keÀe Meg× ueeYe ope& efkeÀ³ee nw. peyeefkeÀ efoveebkeÀ 31 cee®e&, 2021 » efoveebkeÀ 31 cee®e& 2022 keÀes meceehle efJeÊeer³e Je<e& ceW efjìsue $eÝCe yeæ{keÀj
`52226 keÀjesæ[ nes ie³ee pees efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle
keÀes meceehle efheíues efJeÊe Je<e& kesÀ oewjeve efveJeue neefve ` 888 keÀjesæ[ Leer.
efJeÊeer³e Je<e& ceW `49468 keÀjesæ[ Lee.
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve he´efle keÀce&®eejer
J³eJemee³e yeæ{keÀj ` 17.15 keÀjesæ[ nes ie³ee. pees efoveebkeÀ 31 cee®e&, 2021 » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS yeQkeÀ keÀe
keÀes meceehle efheíues efJeÊe Je<e& ceW ` 16.50 keÀjesæ[ Lee. DeeJeeme $eÝCe heesì&HeÀesefue³ees ` 30163 keÀjesæ[ jne, pees Je<e&-oj-Je<e&
efjheesì&
7.84% keÀer Je=ef× oMee&lee nw. efoveebkeÀ 31 cee®e&, 2022 keÀes kegÀue efjìsue
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS hetbpeer heesì&HeÀesefue³ees ceW DeeJeeme $eÝCe heesì&HeÀesefue³ees keÀer efnmmesoejer 57.75% jner.
he³ee&hlelee Devegheele (yeemeue – III kesÀ Devegmeej) 13.84%@ jne. efpemeceW
ìer³ej I - 11.48% leLee ìer³ej II – 2.36% jne. » yeQkeÀ ves osMe kesÀ 9 jep³eesb ceW ³eLee ceO³e he´osMe (18), efyenej (9), cenejeä^
(6), GÊej he´osMe (5), heeq½ece yebieeue (3), íÊeermeieæ{ (2), jepemLeeve
pewmee efkeÀ Yeejleer³e efj]peJe& yeQkeÀ ves Deheveer peesefKece cetu³eebkeÀve efjheesì& ceW (1), Deesæ[ermee (1) SJeb Demece (1) ceW 46 ie´eceerCe mJejespeieej SJeb he´efMe#eCe
meueen oer nw efkeÀ, yeQkeÀ ves Yeejle mejkeÀej Üeje peejer iewj-y³eepe Jeeues keWÀê (DeejSmeF&ìerDeeF&) mLeeefhele efkeÀS nQ. Je<e& 2021-22 kesÀ oewjeve,
hegvehet&peerkeÀjCe yeeb[ kesÀ SveheerJeer keÀer ieCevee kesÀ efueS mecee³eespeve kesÀ yeeo DeejSmeF&ìerDeeF& ves 672 he´efMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS Deewj
hetbpeer Devegheele keÀer ieCevee keÀer nw. SveheerJeer kesÀ he´YeeJe hej efJe®eej efkeÀS efyevee, GveceW 18589 DeYed³ee|Le³eeW keÀes he´efMe#eCe efo³ee nw. FveceW mes 5501 (DeLee&le
efì³ej 1, efì³ej 2Deewj meerDeejSDeej ¬eÀceMe: 13.39%, 2.36% leLee 30%) he´efMe#egDeeW keÀes yeQkeÀ $eÝCe, Jesleve mecePeewles SJeb mJeefJeÊe kesÀ ceeO³ece
15.75% nw.) mes efve³eesefpele efkeÀ³ee ie³ee nw. efve³eesefpele DeY³ee|Le³eeW keÀer ¬esÀef[ì eEuekesÀpe
efJeÊeer³e
» efoveebkeÀ 31 cee®e&, 2022 keÀes vewì JeLe& `23801.85 keÀjesæ[ jner. GheueeqyOe 2879 DeLee&le 16% jner.
» efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW vekeÀo Jemetueer ceW » yeQkeÀ kesÀ heeme efoveebkeÀ 31 cee®e&, 2022 lekeÀ 2 jep³eesb kesÀ 23 efpeueeW ceW
yesnlejer oMee&les ngS (SveheerS keÀer efye¬eÀer meefnle) `3266 keÀjesæ[ nes ie³eer 1174 MeeKeeDeeW kesÀ vesìJeke&À kesÀ meeLe 2 #es$eer³e ie´eceerCe yeQkeÀ nQ.
pees efoveebkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& ceW `2963 keÀjesæ[ » yeQkeÀ ves efJeÊeer³e meceeJesMeve kesÀ Debleie&le 10299 yeermeer Spesvì keÀes lewveele
Leer. efkeÀ³ee nw yeQkeÀ ves 196 Menjer efJeÊeer³e meceeJesMeve Keesues nw. yeQkeÀ ves yeermeer SJeb
» efoveebkeÀ 31 cee®e&, 2022 keÀes mekeÀue SveheerS mes mekeÀue Deefie´ce Devegheele MeeKeeDeeW kesÀ ceeO³ece mes ` 231.41 ueeKe yesefmekeÀ meseEJeie yeQkeÀ ef[hee@efpeì
ceW yesnlejer oMee&les ngS 14.84% nes ie³ee pees efoveebkeÀ 31 cee®e&, 2021 Keeles (yeerSmeyeer[erS) Keesues nQ.
keÀes 16.55% Lee. » efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀeM³egjWme J³eJemee³e
» efoveebkeÀ 31 cee®e&, 2022 keÀes efveJeue SveheerS mes efveJeue Deefie´ce Devegheele ceW mes kegÀue `74.36 keÀjesæ[ keÀer Dee³e ngF&.
IeìkeÀj 3.97% nes ie³ee. pees efoveebkeÀ 31 cee®e&, 2021 keÀes 5.77% Lee. » efoveebkeÀ 31 cee®e&, 2022 keÀes hetjs osMe ceW yeQkeÀ kesÀ vesìJeke&À ceW 4528
» efoveebkeÀ 31 cee®e&, 2022 keÀes he´eJeOeeve keÀJejspe Devegheele megOejkeÀj
MeeKeeSb nQ efpeveceW mes 65% MeeKeeSB ie´eceerCe SJeb DeOe&Menjer #es$eeW ceW, 2976 SìerSce, 10 mesìsueeFì keÀe³ee&ue³e SJeb 1 efJemleej heìue nQ.
2. Dee³e SJeb J³e³e
efJeÊeer³e Je<e& 2021-22 kesÀ efueS Dee³e SJeb J³e³e kesÀ efJeJejCe efvecveevegmeej efoS ieS nQ:
(` keÀjesæ[ ceW)
31.03.2022 31.03.2021 efJe®eueve %
1 y³eepe Dee³e 22802 22730 72 0.32
- Deefie´ce 11501 11638 (137) -1.18
- efveJesMe 9264 10009 (745) -7.44
- Dev³e 2037 1083 954 88.09
2 iewj y³eepe Dee³e* 2968 3116 (148) -4.75
3 kegÀue Dee³e (1+2)* 25770 25846 (76) -0.29
4 he´oÊe y³eepe 13315 14485 (1170) -8.08
- peceejeefMe 12848 13994 (1146) -8.19
- Dev³e 467 491 (24) -4.89
5 heefj®eeueve J³e³e 6713 6782 (69) -1.02
- mLeehevee 3927 4141 (214) -5.17
- Dev³e 2786 2641 (145) 5.49
6 kegÀue J³e³e (4+5) 20028 21267 (1239) -5.83
7 mhe´s[ (1-4) 9487 8245 1242 15.06
8 heefj®eeueve ueeYe (3-6)* 5742 4579 1163 25.40
9 he´eJeOeeve* 4152 5467 (1315) -24.05
10 keÀj kesÀ efueS he´eJeOeeve 672 (436) 1108 -254.16
11. DemeeOeejCe ceo ( J³e³e) 545 - 545 100
11 Meg× ueeYe/(neefve) (8-9) 1045 (888) 1933 -217.68
चालू वर्ष के वर्गीकरण की पुष्टि करने के लिए जहां कहीं आवश्यक हुआ, आकडों की पुनर्गणना / पुनर्समूहन किया गया है.
3. he´eJeOeeve
efheíues efJeÊeer³e Je<e& keÀer leguevee ceW efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve, ueeYe SJeb neefve Keeles keÀes he´Yeeefjle `4152 keÀjesæ[ kesÀ kegÀue he´eJeOeeve keÀe efJemle=le
efJeJejCe efvecveevegmeej nw:
(` keÀjesæ[ ceW)
31.03.2022 31.03.2021 efJe®eueve
(efJe.Je) (efJe.Je)
ceevekeÀ Deeeqmle³eeW kesÀ efueS he´eJeOeeve (222) 263 -184.41
SveheerS kesÀ efueS he´eJeOeeve 2461 5176 -52.45
hegveme¥jef®ele KeeleeW kesÀ efueS he´eJeOeeve 596 77 674.03
efveJesMe kesÀ efueS he´eJeOeeve 646 357 80.95
keÀjeW kesÀ efueS he´eJeOeeve 672 (436) -254.16
Dev³e (1) 30 -103.33
kegÀue 4152 5467 -24.05
4. ueeYehe´olee Devegheele
(` keÀjesæ[ ceW)
31.03.2022 31.03.2021
(efJe.Je) (efJe.Je)
peceeDeeW keÀer ueeiele 3.86 4.35
efveefOe³eeW keÀer ueeiele 3.92 4.43
Deefie´ceeW hej Dee³e 6.57 6.63
efveJesMeeW hej Dee³e 6.27 6.63
efveosMe hej Dee³e (ì^sef[bie ueeYe meefnle) 6.59 7.53
Meg× y³eepe ceee|peve 3.21 2.78
ueeiele Dee³e Devegheele 53.90 59.70
5. J³eeJemeeef³ekeÀ Devegheele
(he´efleMele ceW)
31.03.2022 31.03.2021
(efJe.Je.) (efJe.Je.)
Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) mes y³eepe Dee³e 6.65 6.67
Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) mes iewj y³eepe Dee³e 0.87 0.91
Deewmele keÀe³e&Meerue efveefOe (S[yuetSHeÀ) mes heefj®eeueve ueeYe 1.67 1.34
Deewmele Deeeqmle³eeW hej he´efleHeÀue 0.30 (0.26)
jCeefveleer
he´efle keÀce&®eejer J³eJemee³e (` keÀjesæ[ ceW) 17.15 15.60
he´efle keÀce&®eejer Meg× ueeYe (` ueeKe ceW) 3.38 (2.74)
*चालू वर्ष के वर्गीकरण की पुष्टि करने के लिए जहां कहीं आवश्यक हुआ, आकडों की पुनर्गणना / पुनर्समूहन किया गया है.
met®evee
yeemeue-III yeemeue-III
efì³ej -I 11.48% 12.82%
efì³ej -II 2.36% 1.99%
hetbpeer he³ee&hlelee Devegheele 13.84% 14.81%
* pewmee efkeÀ Yeeejleer³e efj]peJe& yeQkeÀ ves Deheveer peesefKece cetu³eebkeÀve efjheesì& ceW meueen oer nw, yeQkeÀ ves Yeejle efveosMekeÀ ceb[ue, efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve yeQkeÀ kesÀ efveosMekeÀ
mejkeÀej Üeje peejer iewj-y³eepe Jeeues hegvehet&BpeerkeÀjCe yeeb[ kesÀ SveheerJeer keÀer ieCevee kesÀ efueS mecee³eespeve kesÀ
yeeo hetbpeer Devegheele keÀer ieCevee keÀer nw. SveheerJeer kesÀ he´YeeJe hej efJe®eej efkeÀS efyevee, efì³ej 1, efì³ej 2 Deewj
heo mes efveJe=Êe ngS Þeer leheve js leLee megÞeer efceveer DeeFhe Üeje he´olle yengcetu³e
meerDeejSDeej ¬eÀceMe: 13.39%, 2.36% leLee 15.75% nw. ³eesieoeve keÀer mejenvee keÀjles ngS GvekeÀer mesJeeDeeW keÀes jsKeebefkeÀle keÀjlee
nw.
7. Meg× ueeYe/neefve
efjheesì&
efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve yeQkeÀ keÀes 9. eqJnmeue yueesDej veerefle
`]1045 keÀjesæ[ keÀe Meg× ueeYe ngDee nw. efJeÊeer³e Je<e& 2021-22 kesÀ ueeskeÀefnle he´keÀìerkeÀjCe SJeb cegKeefyej mebj#eCe (heerDeeF&[erheerDeeF&) kesÀ
efueS efveosMekeÀ ceb[ue ves FeqkeÌJeìer Mes³ej hej efkeÀmeer he´keÀej keÀe ueeYeebMe Debleie&le yeQkeÀ heoe&HeÀeMe efMekeÀe³eleeW kesÀ efueS kesÀvêer³e meleke&Àlee Dee³eesie kesÀ
osves keÀer mebmlegefle veneR keÀer nw. efoMeeefveoxMeeW keÀe heeueve keÀjlee nw. yeQkeÀ keÀe “mesvì F& eqJnefmeue yueesDej”
veecekeÀ SkeÀ Jesye heesì&ue nw efpemeceW keÀce&®eejer Deewj efveosMekeÀieCe keÀoe®eejeW
8. Je<e& kesÀ oewjeve efveosMekeÀ ceb[ue ceW heefjJele&ve : keÀer efjheese\ìie Deheveer hen®eeve Gpeeiej efkeÀS efyevee keÀj mekeÀles nQ, pees
meceer#eeOeerve Je<e& kesÀ oewjeve yeQkeÀ kesÀ efveosMekeÀ ceb[ue ceW efvecveefueefKele efmeHe&À cenehe´yebOekeÀ - ceeveJe mebmeeOeve efJeYeeie keÀes ner %eele nesleer nw.
heefjJele&ve ngS : efveosMekeÀieCe Deewj keÀce&®eejer DeeJeM³ekeÀleevegmeej uesKeehejer#ee meefceefle kesÀ efJeÊeer³e
efoveebkeÀ 23 ceF&, 2021 keÀes keÀe³ee&ue³eerve mece³e keÀer meceeeqhle mes DeO³e#e mes Yeer mebheke&À keÀj mekeÀles nQ. Fmemes keÀoe®eej hej DebkegÀMe ueieeves,
Þeer leheve js DebMe keÀeefuekeÀ iewj- DeefOekeÀejer efveosMekeÀ, meeLe ner iewj- OeesKeeOeæ[er jeskeÀves SJeb keÀce&®eeefj³eeW keÀe ceveesyeue ye{eves ceW ceoo efceueleer
keÀe³e&keÀejer DeO³e#e, yeQkeÀ kesÀ efveosMekeÀ veneR nQ. nw.
efoveebkeÀ 30 petve, 2021 keÀes keÀe³e&ue³eerve mece³e keÀer meceeeqhle mes megÞeer 10.lJeefjle megOeejelcekeÀ keÀej&JeeF&
efceveer DeeFhe, Mes³ej OeejkeÀ efveosMekeÀ, yeQkeÀ keÀer efveosMekeÀ veneR nw. efoveebkeÀ 13 petve, 2017 keÀes peejer Deheves he$e ceW Yeejleer³e efjpeJe& yeQkeÀ ves
efoveebkeÀ 01 pegueeF&, 2021 mes Þeer efovesMe heebieleer Mes³ejOeejkeÀ efveosMekeÀ G®®e Meg× SveheerS Deewj Deeeqmle³eeW hej vekeÀejelcekeÀ he´eeqhle³eeW kesÀ DeeueeskeÀ
kesÀ ©he ceW efve³egÊeÀ efkeÀS ieS. ceW yeQkeÀ keÀes lJeefjle megOeejelcekeÀ keÀej&JeeF& (heermeerS) kesÀ Debleie&le jKee nw.
efJeÊeer³e mesJeeSb efJeYeeie, Yeejle mejkeÀej keÀer DeefOemet®evee kesÀ Devegmeej Þeer yeQkeÀ ves Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer Smemeeryeer kesÀ efueS mebMeesefOele
he´oerhe he´eCeueeue efKeceeveer efoveebkeÀ 21 efovemecyej , 2021 mes yeQkeÀ kesÀ heermeerS {eb®es kesÀ lenle meYeer ceevekeÀeW keÀes hetje keÀj efue³ee nw Deewj yeQkeÀ
iewj-DeefOekeÀejer efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ efkeÀS ieS. heermeerS mes yeenj efvekeÀueves kesÀ efueS hetjer lejn mes keÀece keÀjsiee.
11 J³eeJemeeef³ekeÀ GÊejoeef³elJe efjheesì& ueeYekeÀejer keÀejesyeej Jeeues mebmLeeve kesÀ DeeOeej hej, uesKes lew³eej efkeÀS ieS
J³eeJemeeef³ekeÀ GÊejoeef³elJe mebyebOeer efjheesì&, pees efkeÀ Yeejleer³e he´efleYetefle SJeb nQ.
efJeefvece³e yees[& (oeef³elJe met®eerkeÀjCe SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) DeebleefjkeÀ efJeÊeer³e efve³eb$eCe he³ee&hle nQ SJeb Jes he´YeeJeer ªhe mes ef¬eÀ³eeeqvJele
efJeefve³ece 2015 kesÀ efJeefve³ece 34 kesÀ Debleie&le efveOee&efjle nw, FmekesÀ meeLe nw, Deewj
mebueive nw leLee yeQkeÀ keÀer JesyemeeFì (www.centralbankofindia. meYeer ueeiet keÀevetveeW kesÀ he´eJeOeeveeW keÀe Devegheeueve megefveeq½ele keÀjves kesÀ
co.in) hej Yeer GheueyOe nw. efueS mecegef®ele he´Ceeueer lew³eej keÀer ie³eer nw pees he³ee&hle Je he´YeeJeer ªhe mes
12. efveosMekeÀeW kesÀ GÊejoeef³elJe mebyebOeer efJeJejCe ef¬eÀ³eeeqvJele nQ.
efveosMekeÀieCe ³en hegeqä keÀjles nQ efkeÀ efoveebkeÀ 31 cee®e&, 2022 keÀes 13. keÀe@heexjsì ieJeveXme
meceehle efJeÊeer³e Je<e& kesÀ efueS Jeee|<ekeÀ uesKeeW keÀes lew³eej keÀjles mece³e: yeQkeÀ keÀe efveosMekeÀ ceb[ue, keÀe@heexjsì ieJeveXme he´LeeDeeW keÀes De#ejMe:
cenÊeJehetCe& efJe®eueve, ³eefo keÀesF& nw, kesÀ mecyebOe ceW mecegef®ele mhe<ìerkeÀjCe Deheveeves kesÀ efueS he´efleye× nw. yeQkeÀ ves keÀe@heexjsì ieJeveXme hej megmhe<ì
kesÀ meeLe, ueeiet uesKeebkeÀve ceevekeÀeW keÀe Devegheeueve efkeÀ³ee ie³ee nw; efueefKele he´Ceeueer leLee he´LeeDeeW keÀes Dehevee³ee nw.
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeevegmeej lew³eej uesKeebkeÀve veerefle³eeW keÀes 14. DeeYeej
megmebiele ªhe ceW ueeiet efkeÀ³ee ie³ee nw; efveosMekeÀ ceb[ue Yeejle mejkeÀej, Yeejleer³e efj]peJe& yeQkeÀ Deewj Yeejleer³e
mecegef®ele SJeb efJeJeskeÀhetCe& efveCe&³e SJeb he´ekeÌkeÀueve efkeÀS ieS nQ, leeefkeÀ he´efleYetefle SJeb efJeefvece³e yees[& kesÀ Decetu³e ceeie&oMe&ve SJeb men³eesie kesÀ
efJeÊeer³e Je<e& keÀer meceeeqhle hej yeQkeÀ kesÀ keÀejesyeejer ceeceueeW keÀe leLee efoveebkeÀ he´efle DeeYeej J³ekeÌle keÀjlee nw; efveosMekeÀ ceb[ue Deheves ie´enkeÀeW SJeb
31 cee®e&, 2022 keÀes meceehle efJeÊe Je<e& kesÀ Deble ceW yeQkeÀ kesÀ ueeYe/neefve Mes³ejOeejkeÀeW Üeje he´olle efveyee&Oe meceLe&ve SJeb efJeéeeme kesÀ efueS GvekesÀ
keÀe mener SJeb mHe<ì ef®e$eCe Òemlegle efkeÀ³ee pee mekesÀ; he´efle Yeer DeeYeej J³ekeÌle keÀjlee nw.
Yeejle ceW yeQkeÀeW keÀes DeefOeMeeefmele keÀjves Jeeues efve³eceeW kesÀ he´eJeOeeveeW kesÀ
Devegªhe he³ee&hle uesKeebkeÀve DeefYeuesKe jKeves ceW mecegef®ele SJeb he³ee&hle ke=Àles efveosMekeÀ ceb[ue SJeb GvekeÀer Deesj mes
meeJeOeeefve³eeb yejleer ieF& nQ; Sce Jeer jeJe]
mLeeve : cegbyeF& he´yebOe efveosMekeÀ SJeb
efoveebkeÀ : 27 petve, 2022 cegK³e keÀe³e&keÀejer DeefOekeÀejer
jCeefveleer
cegbyeF& - 421 201
he´efle
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ meom³eieCe
met®evee
1. ³en he´ceeCehe$e nceejs menye×lee he$e efoveebkeÀ 07 DeÊetÀyej, 2021 keÀer MeleeX kesÀ Devegmeej peejer efkeÀ³ee ie³ee nw.
2. Je<e& 1 Dehe´wue, 2021 mes 31,cee®e& 2022 kesÀ efueS met®eerkeÀjCe efJeefve³ece kesÀ efJeefve³ece 15(2) ceW meboYe& kesÀ Devegªhe, mece³e-mece³e hej mebMeesefOele, Yeejleer³e
he´efleYetefle Deewj efJeefvece³e yees[& (met®eerkeÀjCe oeef³elJe Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015 kesÀ efveOee&efjle he´eJeOeeveeW kesÀ Devegmeej, Fme efjheesì& ceW
31 cee®e& 2022 keÀes meceehle Je<e& kesÀ efueS mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (‘yeQkeÀ’) Üeje keÀe@jheesjsì ieJeveXme keÀer MeleeX kesÀ Devegheeueve keÀe efJeJejCe nw.
met®eerkeÀjCe efJeefve³eceeW keÀer MeleeX kesÀ Devegheeueve kesÀ efueS he´yebOeve keÀer efpeccesoejer
3. keÀe@jheesjsì ieJeveXme efjheesì& lew³eej keÀjves kesÀ meeLe-meeLe GmekesÀ meYeer he´emebefiekeÀ mene³ekeÀ efjkeÀe@[& Deewj omleeJespeeW kesÀ jKejKeeJe keÀer efpeccesoejer yeQkeÀ kesÀ he´yebOeve
keÀer nw.
efjheesì&
uesKee hejer#ekeÀeW keÀer efpeccesoejer
4. nceejer hejer#ee Ghe³eg&ÊeÀ met®eerkeÀjCe efJeefve³eceeW ceW efveOee&efjle keÀe@heexjsì ieJeveXme keÀer MeleeX kesÀ Devegheeueve keÀes megefveeq½ele keÀjves kesÀ efueS yeQkeÀ Üeje DeheveeF& ieF&
he´ef¬eÀ³eeDeeW Deewj GmekesÀ keÀe³ee&vJe³eve lekeÀ meerefcele Leer. ³en ve lees uesKee hejer#ee nw Deewj ve ner yeQkeÀ kesÀ efJeÊeer³e efJeJejCeeW hej je³e keÀer DeefYeJ³eefÊeÀ nw.
5. met®eerkeÀjCe efJeefve³eceeW keÀer DeeJeM³ekeÀleeDeeW kesÀ Devegmeej, ³en nceejer efpeccesoejer nw efkeÀ nce SkeÀ Gef®ele Deeéeemeve he´oeve keÀjW efkeÀ ke̳ee yeQkeÀ ves 31 cee®e&
2022 keÀes meceehle Je<e& kesÀ efueS met®eerkeÀjCe efJeefve³eceeW ceW efveOee&efjle keÀe@heexjsì ieJeveXme keÀer MeleeX keÀe Devegheeueve efkeÀ³ee nw.
6. nceves Yeejleer³e meveoer uesKeekeÀej mebmLeeve (‘DeeF&meerSDeeF&’) Üeje peejer efJeMes<e he´³eespeve kesÀ efueS efjheesì& ³ee he´ceeCehe$eeW hej ceeie&oMe&ve veesì mebMeesefOele 2016]
(‘ceeie&oMe&ve veesì’) kesÀ Devegmeej Deheveer hejer#ee Dee³eesefpele keÀer. ceeie&oMe&ve veesì kesÀ efueS DeeJeM³ekeÀ nw efkeÀ nce DeeF&meerSDeeF& Üeje peejer Dee®eej mebefnlee
keÀer veweflekeÀ DeeJeM³ekeÀleeDeeW keÀe Devegheeueve keÀjW. efJeÊeer³e
7. nceves SsefleneefmekeÀ efJeÊeer³e peevekeÀejer, Dev³e Deeéeemeve Deewj mebyebefOele mesJee mebefuehlelee keÀer uesKee hejer#ee Deewj meceer#ee keÀjves Jeeues HeÀceeX kesÀ efueS ueeiet
iegCeJeÊee efve³eb$eCe hej ceevekeÀ (Smeke̳etmeer) 1 keÀer he´emebefiekeÀ ueeiet DeeJeM³ekeÀleeDeeW, iegCeJeÊee efve³eb$eCe keÀe Devegheeueve efkeÀ³ee nw
je³e
8. nceejer je³e ceW, Deewj nceejer meJeexÊece peevekeÀejer Deewj nceW efoS ieS mheäerkeÀjCeeW kesÀ Devegmeej, nce he´ceeefCele keÀjles nQ efkeÀ yeQkeÀ ves Ghe³eg&ÊeÀ efueeÅmìie efJeefve³eceeW
ceW efveOee&efjle keÀe@heexjsì ieJeveXme keÀer MeleeX keÀe Devegheeueve efkeÀ³ee nw.
9. nce keÀnles nQ efkeÀ Fme lejn keÀe Devegheeueve ve lees yeQkeÀ keÀer YeefJe<³e keÀer J³eJene³e&lee keÀe Deeéeemeve nw Deewj ve ner Gme o#elee ³ee he´YeeJeMeeruelee kesÀ yeejs ceW
efpemekesÀ meeLe he´yebOeve ves yeQkeÀ kesÀ ceeceueeW keÀe meb®eeueve efkeÀ³ee nw.
jCeefveleer
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee,
®ebojcegKeer YeJeve, 9Jeeb leue,
oewjeve ueeiet veneR)
vejerceve hee@Fbì, cegbyeF& - 400 021
([er) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& (he´efleYetefle³eeW keÀe yee³e-yewkeÀ)
ceQves ueeiet meebefJeefOekeÀ he´eJeOeeveeW kesÀ Devegheeueve keÀer meef®eJeer³e uesKee hejer#ee keÀer efJeefve³ece, 2018. (meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet veneR)
nw Deewj hee³ee nw efkeÀ mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (FmekesÀ he½eele yeQkeÀ keÀne
(F&) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& (Mes³ej DeeOeeefjle keÀce&®eejer ueeYe
ie³ee nw) Üeje De®ís keÀe@heexjsì J³eJenejeW keÀe heeueve efkeÀ³ee ie³ee nw. meef®eJeer³e
SJeb Þece-pev³e FeqkeÌJeìer) efJeefve³ece, 2021; (meceer#eeOeerve Je<e& nsleg
uesKee hejer#ee Fme lejerkesÀ mes keÀer ieF& nw efkeÀ Fme hej cegPes keÀe@jheesjsì meb®eeueve
yeQkeÀ hej ueeiet veneR)
/ meebefJeefOekeÀ Devegheeueve kesÀ cetu³eebkeÀve SJeb Deheveer efìhheefCe³eeb J³eÊeÀ keÀjves nsleg
Gef®ele DeeOeej efo³ee ie³ee nw. (SHeÀ) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& (iewj- heefjJele&veer³e he´efleYetefle³eeW keÀe
met®evee
efveie&ceve SJeb GvnW met®eerye× keÀjvee) efJeefve³ece, 2021; (meceer#eeOeerve
yeQkeÀ keÀer keÀe³e&Je=Êe hegeqmlekeÀe, he´he$eeW Deewj Yejs ieS efjìve& SJeb yeQkeÀ Üeje jKes
Je<e& kesÀ oewjeve ueeiet veneR) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[&
ieS Dev³e efjkeÀe[eX keÀer peeb®e, meeLe ner meef®eJeer³e uesKee hejer#ee keÀjves kesÀ
(Deboªveer J³eeheej efve<esOe) efJeefve³ece, 2015; ³eLee mebMeesefOele;
oewjeve yeQkeÀ DeefOekeÀeefj³eeW Üeje oer ieF& peevekeÀejer kesÀ DeeOeej hej, ceQ SleodÜeje
efjheesì& keÀjleer ntB efkeÀ cesjs efJe®eej ceW, yeQkeÀ ves, efoveebkeÀ 31 cee®e&, 2022 keÀes yeQkeÀ hej ueeiet efvecve Dev³e DeefOeefve³ece:
meceehle efJeÊeer³e Je<e& keÀes keÀJej keÀjves Jeeues uesKee hejer#ee DeJeefOe kesÀ oewjeve,
veer®es met®eerye× JewOeeefvekeÀ he´eJeOeeveeW keÀe Devegheeueve efkeÀ³ee nw Deewj ³en Yeer efkeÀ (S) Yeejleer³e efjpeJe& yeQkeÀ Deewj Yeejle mejkeÀej Üeje mece³e-mece³e hej peejer
yeQkeÀ kesÀ heeme Fme kesÀ efueS Deewj FmekesÀ he½eele keÀer ieF& efjheese\ìie kesÀ efueS Gef®ele DeefOemet®eveeDeeW Deewj heefjhe$eeW kesÀ meeLe yeQeEkeÀie efJeefve³eceve DeefOeefve³ece
yees[&-he´ef¬eÀ³eeSb SJeb Devegheeueve-leb$e nQ: 1949.
efjheesì&
(i) kebÀheveer DeefOeefve³ece, 2013 (DeefOeefve³ece) SJeb FmekesÀ DeOeerve yeves efve³ece, (yeer) yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe Deewj nmleeblejCe) DeefOeefve³ece,
efpeme meercee lekeÀ yeQkeÀ hej ueeiet nes. 1970 Deewj GmekesÀ mebMeesOeve.
(ii) he´efleYetefle mebefJeoe (efJeefve³eceve) DeefOeefve³ece, 1956 (`SmemeerDeejS`) SJeb (meer) jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj efJeefJeOe he´eJeOeeve) ³eespevee, 1970.
FmekesÀ lenle yeveeS ieS efve³ece.
([er) mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (Mes³ej Deewj yewþkeÀ) efJeefve³ece, 1998.
(iii) ef[hee@efpeìjer DeefOeefve³ece, 1996 SJeb FmekesÀ Debleie&le yevee³es ieS efJeefve³ece
Deewj Gheefve³ece. nceves efvecveefueefKele ueeiet OeejeDeeW kesÀ Devegheeueve keÀer Yeer peeb®e keÀer nw:
(iv) efJeosMeer cegêe he´yebOeve DeefOeefve³ece, 1999 Deewj efJeosMeer he´l³e#e efveJesMe,
(i) yees[& keÀer yewþkeÀeW Deewj meeceev³e yewþkeÀeW kesÀ mebyebOe ceW Yeejleer³e keÀcheveer
DeesJejmeerpe he´l³e#e efveJesMe SJeb yeenjer JeeefCeeqp³ekeÀ GOeej kesÀ efueS SJeb
efJeÊeer³e
meef®eJe mebmLeeve Üeje peejer efkeÀS ieS meef®eJeer³e ceevekeÀ - jeä^er³eke=Àle yeQkeÀ
FmekesÀ Debleie&le yeveeS ieS efve³eceeW SJeb efJeefve³eceeW; (meceer#eeOeerve DeJeefOe
(he´yebOeve Deewj efJeefJeOe he´eJeOeeve) ³eespevee, 1970, mesvì^ue yeQkeÀ (Mes³ej
ceW yeQkeÀ kesÀ efueS ueeiet veneR)
Deewj yewþkeÀ) efJeefve³ece, 2000 Deewj yees[& yewþkeÀ Deewj meeceev³e yewþkeÀeW
Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& DeefOeefve³ece, 1992 (“mesyeer DeefOeefve³ece”) mes mebyebefOele mece³e-mece³e hej mebMeesefOele YeeefjyeQkeÀ /Yeejle mejkeÀej Üeje
kesÀ Devleie&le efveOee&efjle efvecveefueefKele efJeefve³ece SJeb efoMeeefveoxMe – peejer Dev³e ueeiet efve³eceeW, efJeefve³eceeW, heefjhe$eeW, peejer DeefOemet®eveeDeeW, kesÀ
he´eJeOeeveeW keÀe yeQkeÀ Üeje Devegheeueve efkeÀ³ee pee jne nw.
S) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& DeefOeefve³ece, 1992 (“met®eerkeÀjCe
yeeO³eleeSb he´keÀìerkeÀjCe Dehes#eeSb”)efJeefve³ece, 2015 ³eLee mebMeesefOele; (ii) yeQkeÀ Üeje yeerSmeF& efueefceìs[ (yeerSmeF&) Deewj vesMeveue mìe@keÀ SkeÌme®eWpe
Dee@HeÀ Fbef[³ee efueefceìs[ (SveSmeF&) kesÀ meeLe efkeÀS ieS met®eeryeOolee
(yeer) Yeejleer³e he´efleYetefle SJeb efJeefvece³e yees[& (hetbpeer keÀe efveie&ceve SJeb he´keÀìerkeÀjCe mecePeewles.
Dehes#eeSb) efJeefve³ece, 2018 ³eLee mebMeesefOele; ceQves `keÀe³e&mLeue hej ceefnueeDeeW keÀe ³eewve Glheeræ[ve (jeskeÀLeece, efve<esOe Deewj
efveJeejCe) DeefOeefve³ece, 2013` kesÀ lenle Devegheeueve megefveeq½ele keÀjves kesÀ efueS,
jCeefveleer
Yegveeves keÀer efleefLe efueKele keÀer he´ke=Àefle YegveeS peeves keÀer jeefMe (` ceW ) GÎsM³e
21.12.2021 ueesDej efì³ej II yeeb[ ÞegbKeuee 500,00,00,000 (cetue jeefMe) met®evee %eeheve kesÀ Keb[ kesÀ Devegmeej
XIV (DeeF&SmeDeeF&Sve : 46,65,00,000 (y³eepe jeefMe)
DeeF&SveF&483A09245
6. mesyeer (met®eerkeÀjCe yeeO³elee Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀlee), 2015 kesÀ efJeefve³ece 57(1) kesÀ DevegmejCe ceW, yeQkeÀ ves efvecveefueefKele iewj-heefjJele&veer³e $eÝCe
he´efleYetefle³eeW kesÀ efueS y³eepe keÀe Yegieleeve efkeÀ³ee leLee cetue jeefMe DeLeJee y³eepe DeLeJee oesvees os³e nes peeves hej FvekeÀer met®evee mìe@keÀ SkeÌme®eWpe keÀes oer nw.
¬eÀ. efJeJejCe os³e efoveebkeÀ y³eepe jeefMe cetue jeefMe
met®evee
1. hee$e yeeb[OeejkeÀeW keÀes 9.40% keÀer ketÀheve oj hej `139.10 keÀjesæ[ cetu³e kesÀ 28.09.2021 ` 13,07,54,000/- ueeiet veneR
yesefce³eeoer yee@v[ meerjerpe II (DeeF&SmeDeeF&Sve : DeeF&SveF& 483S09252)
2. hee$e yeeb[OeejkeÀeW keÀes 9.80% keÀer ketÀheve oj hej `500 keÀjesæ[ cetu³e 30.09.2021 ` 49,00,00,000/- ueeiet veneR
kesÀ yesmeue III Devegheeefuele efì³ej II yee@v[ meerjerpe IV (DeeF&SmeDeeF&Sve :
DeeF&SveF& 483S08023)
3. keÀe@ue Dee@hMeve kesÀ he´³eesie hej Devegheeefuele yesmeue III efì³ej II yee@v[ meerjerpe 08.11.2021 ` 99,00,00,000/- ueeiet veneR
I (DeeF&SmeDeeF&Sve : DeeF&SveF& 483S09260)
4. ueesDej ìe³ej II yeeb[ meerefjpe XIV(DeeFSmeDeeFSve : DeeF&SveF& 21.12.2021 ` 46,65,00,000/- ` 500,00,00,000/-
efjheesì&
483S09245
5. hee$e yeeb[OeejkeÀeW keÀes 8.62% keÀer ketÀheve oj hej `500 keÀjesæ[ cetu³e 07.03.2022 ` 42,98,19,178/- ueeiet veneR
kesÀ yesmeue III Devegheeefuele efì³ej II yee@v[ meerjerpe II (DeeF&SmeDeeF&Sve :
DeeF&SveF& 483S09278)
6. hee$e yeeb[OeejkeÀeW keÀes 9.20% keÀer ketÀheve oj hej `500 keÀjesæ[ cetu³e 21.03.2022 ` 46,00,00,000/- ueeiet veneR
kesÀ yesmeue III Devegheeefuele efì³ej II yee@v[ meerjerpe V (DeeF&SmeDeeF&Sve :
DeeF&SveF& 483S08031)
7. hee$e yeeb[OeejkeÀeW keÀes 10.80 % keÀer ketÀheve oj hej `500 keÀjesæ[ cetu³e 29.03.2022 ` 54,00,00,000/- ueeiet veneR efJeÊeer³e
kesÀ yesmeue III Devegheeefuele efì³ej II yee@v[ meerjerpe III (DeeF&SmeDeeF&Sve :
DeeF&SveF& 483S09286 )
ke=Àles Meeefueveer heeb[s Sb[ SmeesefmeSìdme
kebÀheveer meef®eJe
³et[erDeeF&Sve :SHeÀDees10462[er000339109
he´efle,
meom³eieCe
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee
®ebojcegKeer efyeeÅu[ie
9JeeR cebefpeue, vejerceve hee@Fbì
cegcyeF& – 400 021
Fme leejerKe keÀer nceejer meef®eJeer³e uesKee hejer#ee efjheesì& keÀes Fme he$e kesÀ meeLe he{e peeS.
1. mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (yeQkeÀ) kesÀ efueS ueeiet meYeer keÀevetveeW, efve³eceeW, efJeefve³eceeW, ceevekeÀeW kesÀ he´eJeOeeveeW kesÀ Devegheeueve keÀer efpeccesoejer yeQkeÀ kesÀ he´yebOeleb$e
keÀer nw. Fme meef®eJeer³e uesKee hejer#ee efjheesì& keÀes peejer keÀjves kesÀ efueS cesjer peeb®e vecetvee hejer#eCe DeeOeej hej DeefYeuesKeeW SJeb he´ef¬eÀ³eeDeeW kesÀ mel³eeheve lekeÀ
meerefcele Leer.
2. ueeiet keÀevetveeW kesÀ meef®eJeer³e SJeb Dev³e DeefYeuesKeeW kesÀ jKejKeeJe keÀer efpeccesoejer yeQkeÀ kesÀ he´yebOeleb$e keÀer nw. cesjer efpeccesoejer meef®eJeer³e uesKee hejer#ee efjheesì& peejer
keÀjvee nw, pees yeQkeÀ Üeje jKes ieS mebyebefOele DeefYeuesKeeW kesÀ uesKee hejer#ee SJeb efpemes yeQkeÀ Üeje cegPes DeeJeM³ekeÀ mheäerkeÀjCe kesÀ meeLe GheueyOe keÀje³ee ie³ee,
hej DeeOeeefjle nw.
3. meef®eJeer³e DeefYeuesKeeW keÀer ceoeW keÀer mel³elee kesÀ yeejs ceW mecegef®ele Deeéeemeve he´ehle keÀjves kesÀ efueS cewveW uesKee hejer#eCe keÀer he´LeeDeeW SJeb he´ef¬eÀ³eeDeeW keÀe heeueve
efkeÀ³ee nw. ³en peeb®e hejer#eCe DeeOeej hej keÀer ieF& leeefkeÀ ³en megefveeq½ele efkeÀ³ee pee mekeWÀ efkeÀ meef®eJeer³e DeefYeuesKeeW ceW he´oe|Mele leL³e mel³e nes. cegPes efJeéeeme nw
efkeÀ efpeve he´ef¬eÀ³eeDeeW SJeb he´LeeDeeW keÀe cewveW heeueve efkeÀ³ee nw, Jes Fme meef®eJeer³e uesKee hejer#ee efjheesì& keÀes peejer keÀjves kesÀ efueS cesjs cele keÀes ³eLeesef®ele DeeOeej
he´oeve keÀjles nQ.
4. cewveW yeQkeÀ kesÀ efJeÊeer³e DeefYeuesKeeW SJeb uesKee yeefn³eeW keÀer mel³elee SJeb Ghe³egkeÌÊelee keÀe mel³eeheve veneR efkeÀ³ee nw.
5. peneb Yeer DeeJeM³ekeÀ Lee, cewves keÀevetveeW, efve³eceeW, efJeefve³eceeW SJeb uesKee hejer#eCe DeJeefOe kesÀ oewjeve nesves Jeeueer ieefleefJeefOe³eeW kesÀ Devegheeueve nsleg he´yebOeve keÀe
he´efleJesove he´ehle efkeÀ³ee nw.
6. ³en meef®eJeer³e uesKee hejer#eCe efjheesì& ve lees yeQkeÀ keÀer YeefJe<³e keÀer J³eJene³e&lee Deewj ve ner yeQkeÀ kesÀ keÀe³eeX kesÀ meb®eeueve ceW he´yebOe leb$e keÀer he´YeeJekeÀeefjlee ³ee
he´YeeJeMeeruelee kesÀ efueS Deeéeemeve nw.
he´efle,
meom³eieCe
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee
®evêcegKeer efyeeÅu[ie
jCeefveleer
9JeeR cebefpeue, vejerceve hee@Fbì
cegcyeF& – 400 021
ceQves mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee, efpemekeÀe hebpeerke=Àle keÀe³ee&ue³e ®ebojcegKeer, vejerceve hee@Fbì, cegbyeF&- 400021 (FmekesÀ he½eele Fmes yeQkeÀ keÀne ie³ee nw) efpevekesÀ heeme
meerDeeF&Sve (ueeiet veneR) nw kesÀ efveosMekeÀeW,mes he´ehle mebyebefOele jefpemìj,DeefYeuesKeeW, he´he$eeW, efJeJejefCe³eeB Deewj he´keÀìerkeÀjCe keÀer peeB®e keÀer nw efpemes yeQkeÀ ves Yeejleer³e
he´efleYetefle efJeefvece³e yees[& (met®eerkeÀjCe yeeO³eleeSB Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSB ) efJeefve³ece 2015 keÀer Devegmet®eer V hewje meer kesÀ Keb[ (10) (i) men heefþle
efJeefve³ece 34(3) kesÀ Devegmeej ³en he´ceeCehe$e peejer keÀjves kesÀ efueS he´mlegle efkeÀS nw.
cesjer je³e ceW, cesjer meJeexÊece peevekeÀejer SJeb DeeJeM³ekeÀleevegmeej efveosMekeÀeW keÀer hen®eeve mebK³ee ([erDeeF&Sve) meefnle mel³eeheve leLee yeQkeÀ Deewj FmekesÀ DeefOekeÀeefj³eeW
kesÀ Üeje he´mlegle mheäerkeÀjCe kesÀ Devegmeej, ceQ ³en he´ceeefCele keÀjleer ntB efkeÀ 31 cee®e&, 2022 keÀes meceehle nesves Jeeues efJeÊeer³e Je<e& kesÀ efueS veer®es efoS ieS yeQkeÀ kesÀ
met®evee
efveosMekeÀ ceb[ue ceW mes keÀesF& Yeer efveosMekeÀ heo hej efve³egÊeÀ nesves ³ee heo hej yeves jnves mes Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& / keÀe@heexjsì ceeceueeW kesÀ ceb$eeue³e /
efJeÊe ceb$eeue³e / Yeejleer³e efjpeJe& yeQkeÀ ³ee efkeÀmeer Yeer JewOeeefvekeÀ he´eefOekeÀjCe Üeje efJeJee|pele ³ee De³eesi³e keÀjej veneR efkeÀ³es ie³es nQ.
¬eÀ efveosMekeÀ keÀe veece ÞesCeer [erDeeF&Sve efve³egefÊeÀ keÀer efleefLe mLeieve keÀer
meb efleefLe
1 leheve js iewj-keÀe³e&keÀejer efveosMekeÀ 00728682 23-05-2018 23-05-2021
2 Sce Jeer jeJe he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer 06930826 01-03-2021 -
3 DeeueeskeÀ ÞeerJeemleJe keÀe³e&heeuekeÀ efveosMekeÀ 05123610 23-01-2019 -
4 efJeJeskeÀ Jeener keÀe³e&heeuekeÀ efveosMekeÀ 07490023 10-03-2021 -
efjheesì&
5 jepeerJe hegjer keÀe³e&heeuekeÀ efveosMekeÀ 07330989 10-03-2021 -
6 Yet<eCe kegÀceej efmevne iewj-keÀe³e&keÀejer efveosMekeÀ 08135512 14-05-2018 -
7 heer pes Lee@ceme iewj-keÀe³e&keÀejer mJeleb$e efveosMekeÀ * 28-09-2020 -
8 efceveer DeeFhe iewj-keÀe³e&keÀejer mJeleb$e efveosMekeÀ 07791184 01-07-2018 30-06-2021
9 he´oerhe he´eCeueeue efKeceeveer iewj-keÀe³e&keÀejer mJeleb$e efveosMekeÀ * 21-12-2021 -
10 efovesMe heebieleer iewj-keÀe³e&keÀejer mJeleb$e efveosMekeÀ 07517137 01-07-2021 -
veesì : * Þeer heer pes Lee@ceme, yeQkeÀ kesÀ veeefcele efveosMekeÀ, Yeejleer³e efjpeJe& yeQkeÀ Üeje veeefcele leLee Þeer he´oerhe he´eCeueeue efKeceeveer, mJeleb$e efveosMekeÀ, Yeejle mejkeÀej
Üeje veeefcele kesÀ heeme keÀesF& [erDeeF&Sve (efveosMekeÀ keÀer hen®eeve mebK³ee) ceewpeto veneR nw, pewmee efkeÀ meeJe&peefvekeÀ #es$e kesÀ yeQkeÀ ceW efve³egÊeÀ efveosMekeÀ kesÀ efue³es [erDeeF&Sve efJeÊeer³e
keÀe nesvee DeefveJee³e& veneR nw.
yees[& ceW he´l³eskeÀ efveosMekeÀ keÀer efve³egefÊeÀ / efvejblejlee keÀer hee$elee keÀes megefveeq½ele keÀjves keÀe GÊejoeef³elJe yeQkeÀ kesÀ he´yebOeve keÀe nw. nceejer efpeccesoejer nw efkeÀ nce Deheves
mel³eeheve kesÀ DeeOeej hej Fme hej je³e J³eÊeÀ keÀjW. ³en he´ceeCehe$e ve lees yeQkeÀ keÀer YeefJe<³e keÀer J³eJene³e&lee Deewj ve ner yeQkeÀ kesÀ keÀe³eeX kesÀ meb®eeueve ceW he´yebOeve leb$e keÀer
he´YeeJekeÀeefjlee ³ee he´YeeJeMeeruelee kesÀ efueS Deeéeemeve nw.
ke=Àles Meeefueveer heeb[s Sb[ SmeesefmeSìdme
kebÀheveer meef®eJe
³et[erDeeF&Sve :SHeÀDees10462[er000339109
Meeefueveer heeb[s
efoveebkeÀ: 18/05/2022 ÒeeshejeFìj
mLeeve: cegbyeF& SHeÀmeerSme : 10462; meerheer : 20576
he´efle,
meom³eieCe
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee,
®ebojcegKeer YeJeve
9Jeeb ceeuee, vejerceve hee@Fvì
cegcyeF& – 400021
(S) mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (“met®eerye× kebÀheveer”) Üeje ncesb GheueyOe keÀjeS ieS meYeer ÒeuesKe Deewj DeefYeuesKe leLee ÒeoÊe mheäerkeÀjCe.
(yeer) met®eerye× kebÀheveer Üeje mìe@keÀ SkeÌme®eWpeeW ceW pecee keÀer ieF& efJeJejefCe³eeB.
([er) Dev³e keÀesF& omleeJes]pe/efJeJejCeer, pees Fme he´ceeCeerkeÀjCe kesÀ DeeOeej kesÀ leewj hej he´emebefiekeÀ nes mekeÀles nwb,
efvecveefueefKele kesÀ he´eJeOeeveeW kesÀ Devegheeueve kesÀ mebyebOe ceW 31 cee®e& 2022 keÀes meceehle efJeÊeer³e Je<e& (meceer#ee DeJeefOe) kesÀ efueS
(S) Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& DeefOeefve³ece 1992 (“mesyeer DeefOeefve³ece”) Deewj GmekesÀ Debleie&le peejer efJeefve³ece, heefjhe$e,efoMeeefveoxMe, SJeb
(yeer) he´efleYetefle mebefJeoe (efJeefve³eceve)DeefOeefve³ece,1956 (“SmemeerDeejS”) kesÀ efve³ece Deewj Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (mesyeer)kesÀ Debleie&le
peejer efJeefve³ece, heefjhe$e, efoMeeefveoxMe
2. efJeefMeä efJeefve³ece SJeb GvekesÀ he´eJeOeeveeW kesÀ lenle peejer heefjhe$e/efoMeeefveoxMeeW& keÀer peeb®e keÀer ieF& efpemeceW efvecve meeqcceefuele nQ:
(S) ³eLee mebMeesefOele Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (met®eerye×lee yeeO³eleeSb SJeb he´keÀìerkeÀjCe Dehes#eeSb)efJeefve³ece, 2015
(yeer) ³eLee mebMeesefOele Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (hetbpeer keÀe efveie&ceve) SJeb he´keÀìerkeÀjCe Dehes#eeSb)efJeefve³ece,2018
(meer) ³eLee mebMeesefOele Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (Mes³ejeW keÀe he³ee&hle Depe&ve Deewj DeefOeie´nCe)efJeefve³ece,2011 (meceer#eeOeerve Je<e& kesÀ oewjeve
ueeiet veneR)
([er) Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (he´efleYetefle³eeW keÀes ¬eÀ³e Üeje Jeeheme uesvee(yee³e-yewkeÀ)) efJeefve³ece, 2018 (meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet
veneR)
(F&) Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (Mes³ej DeeOeeefjle keÀce&®eejer ueeYe) efJeefve³ece, 2021 (meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet veneR)
(SHeÀ) mebMeesefOele Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (DemebheefjJele&veer³e Deewj cees®eveer³e DeefOeceeveer Mes³ejeW keÀe efveie&ce SJeb met®eerye×lee) efJeefve³ece, 2021
(meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet veneR)
(peer) mebMeesefOele Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (Deblejbie J³eeheej keÀe efve<esOe)efJeefve³ece, 2015 (meceer#eeOeerve Je<e& kesÀ oewjeve ueeiet veneR)
(S®e) Yeejleer³e efjpeJe& yeQkeÀ (DeejyeerDeeF&) SJeb Yeejle mejkeÀej (peerDeesDeeF&) Üeje mece³e mece³e hej peejer keÀer ie³eer DeefOemet®eveeDeeW Deewj heefjhe$eeW kesÀ meeLe
yeQeEkeÀie efJeefve³eceve DeefOeefve³ece 1949.
(DeeF&) yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe Depe&ve SJeb DeblejCe) DeefOeefve³ece, 1970 SJeb GmekesÀ mebMeesOeve
jCeefveleer
meb heefjhe$e / efoMeeefveoxMe) heJe&Jes#eCe SJeb efìhheefCe³ee@
efvejbkeÀ
(yeer) Gve DeefYeuesKeeW kesÀ cesjs hejer#eCe mes ³en he´leerle neslee nw efkeÀ met®eerye× kebÀheveer Üeje GhejesÊeÀ efJeefve³eceeW Deewj heefjhe$e / efoMeeefveoxMeeW kesÀ he´eJeOeeveeW kesÀ lenle
Gef®ele DeefYeuesKe jKee ie³ee nw
(meer) met®eerye× kebÀheveer / GmekesÀ he´Jele&keÀeW / efveosMekeÀeW /cenlJetheCe& Deveg<ebefie³eeW kesÀ efJeª× “mesyeer ” ³ee mìe@keÀ SkeÌme®eWpe Üeje, GhejesÊeÀ DeefOeefve³eceeW /
efJeefve³eceeW Deewj GvekesÀ Debleie&le peejer heefjhe$eeW / efoMeeefveoxMeeW kesÀ Devegmeej keÀer ieF& keÀej&JeeF& keÀe efJeJejCe efvecveevegmeej nw (efJeefYeVe heefjhe$eeW kesÀ ceeO³ece
mes mesyeer Üeje peejer ceevekeÀ heefj®eeueve he´ef¬eÀ³ee kesÀ Debleie&le keÀej&JeeF& meefnle)
¬eÀ meb efvecve kesÀ Üeje keÀer GuuebIeve efJeJejCe keÀer ieF& keÀej&JeeF& pewmes ob[, ®esleeJeveer keÀe³e&jle kebÀheveer meef®eJe kesÀ he³e&Jes#eCe/
met®evee
ieF& keÀej&JeeF& he$e, jeskeÀ Deeefo keÀe efJeJejCe efìhheefCe³ee@ ³eefo keÀesF& nes
efvejbkeÀ
([er) efheíueer efjheesì& ceW efkeÀ³es ieS he´s#eCeeW kesÀ efueS, met®eerye× kebÀheveer keÀes keÀesF& keÀej&JeeF& keÀjves keÀer DeeJeM³ekeÀlee veneR nw.
efjheesì&
efoveebkeÀ: 18/05/2022 Meeefueveer heeb[s
mLeeve: cegbyeF& SHeÀmeerSme : 10462; meerheer : 20576
efJeÊeer³e
he´esefJepeveue DeebkeÀ[eW kesÀ Devegmeej Dehe´wue 2022 ceW (Je<e&-oj-Je<e& DeeOeej hej mebmeeOeve
DeewÐeesefiekeÀ Glheeove 7.1 he´efleMele mes ye{e peyeefkeÀ keÀesefJeæ[ hetJe& Dehe´wue 2019 G®®e ueeiele pecee ceW ` 7 keÀjesæ[ keÀer Je=ef× meefnle, 31 cee®e&, 2022 lekeÀ kegÀue
ceW ³en 3.2 he´efleMele Lee. Keveve Glheeove ves meeueevee 7.8 he´efleMele (DeÒewue peceejeefMe ` 3,42,680 keÀjesæ[ Leer. ye®ele yeQkeÀ pecee jeefMe 31 cee®e&, 2021
2019 ceW 7.8 he´efleMele) keÀer Je=ef× ngF&, efJeefvecee&Ce Glheeove ceW 6.3 he´efleMele keÀes meceehle efJeÊeer³e Je<e& kesÀ ` 1,45,667 keÀjesæ[ mes yeæ{keÀj 31 cee®e&, 2022
(DeÒewue 2019 ceW 2.5 he´efleMele) keÀer Je=ef× ngF&, peyeefkeÀ efyepeueer Glheeove ceW keÀes meceehle efJeÊeer³e Je<e& ceW 7.07% keÀer Je=ef× meefnle ` 1,55,965 keÀjesæ[ nes
¬eÀceMeë 11.8 he´efleMele (DeÒewue 2019 ceW 2.5 he´efleMele) keÀer Je=ef× ngF&. efJeÊeer³e ieF& nw. Fmeer lejn, ®eeuet pecee jeefMe 31 cee®e&, 2021 keÀes meceehle ngS efJeÊeer³e
Je<e& 2021-22 kesÀ efueS, Keveve Deewj efJeefvecee&Ce Glheeove kesÀ vesle=lJe ceW 2020- Je<e& kesÀ ` 16,259 keÀjesæ[ mes 31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& ceW
21 kesÀ oewjeve 8.4 he´efleMele keÀceer keÀer leguevee ceW DeeF&DeeF&heer ceW 11.3 he´efleMele 3.21% keÀer Je=ef× meefnle yeæ{keÀj ` 16,781 keÀjesæ[ nes ieF&. kegÀue peceeDeeW
keÀer Je=ef× ngF&. Dehe´wue 2022 ceW efJeefvecee&Ce Deewj mesJee oesvees heerSceDeeF& yesnlej
jCeefveleer
ceW keÀemee peceeDeeW keÀe efnmmee 31 cee®e&, 2022 lekeÀ yeæ{keÀj 50.56% nes
ngS, pees Deee|LekeÀ megOeej oMee&les nQ. ie³ee, peyeefkeÀ 31 cee®e&, 2021 keÀes ³en 49.24% Lee. keÀesj meeJeefOe pecee
31 cee®e&, 2021 kesÀ ` 1,66,883 keÀjesæ[ ceW 1.17% keÀer Je=ef× ngF& Deewj ³en
Yeejle keÀe meceie´ efve³ee&le (ceeue SJeb mesJeeSB) 2021-22 kesÀ oewjeve 669.6
31 cee®e&, 2022 ` 1,68,836 keÀjesæ[ kesÀ mlej lekeÀ hengb®e ieF& nw.
efyeefue³eve DecejerkeÀer [euej kesÀ meJe&keÀeefuekeÀ G®®e mlej keÀes ít ie³ee, pees
2020-21 keÀer leguevee ceW 34.5 he´efleMele DeefOekeÀ nw. Yeejle kesÀ mesJee efve³ee&le yeQkeÀ ceW Fb[ SSme kesÀ keÀe³ee&vJe³eve keÀer jCeveerefle Deewj he´ieefle
ves 2021-22 ceW $250 efyeefue³eve keÀe ue#³e neefmeue efkeÀ³ee, pees 2020-21 Yeejleer³e efj]peJe& yeQkeÀ ves Deheves heefjhe$e [eryeerDeej.yeerheer.yeermeer mebK³ee
keÀer leguevee ceW 21.3 he´efleMele keÀer Je=ef× nw. 29/21.07.001/2018-19 efoveebkeÀ 22 cee®e& 2019 ceW keÀne ie³ee nw efkeÀ
Yeejleer³e efj]peJe& yeQkeÀ Üeje DevegMebefmele efJeOee³eer mebMeesOeve Yeejle mejkeÀej kesÀ
yeQeEkeÀie efJe®eejeOeerve nQ Deewj yeQkeÀeW ceW Fb[ SSme kesÀ keÀe³ee&vJe³eve keÀes Deieueer met®evee
met®evee
Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer he´esefJepeveue DeebkeÀæ[eW kesÀ Devegmeej, Devegmetef®ele lekeÀ ìeue efo³ee ie³ee nw. leLeeefhe, pewmee efkeÀ Yeejleer³e efj]peJe& yeQkeÀ Üeje Dehesef#ele
JeeefCeeqp³ekeÀ yeQkeÀeW keÀe mekeÀue yeQkeÀ $eÝCe cee®e& 2022 ceW Jeee|<ekeÀ DeeOeej hej nw, yeQkeÀ efmelebyej 2021 mes he´l³eskeÀ íceener ceW Yeejleer³e efj]peJe& yeQkeÀ keÀes Fb[
9.6 he´efleMele keÀer oj mes yeæ{e, peyeefkeÀ cee®e& 2021 ceW ³en 4.6 he´efleMele Lee. SSme kesÀ he´e©he ceW efJeÊeer³e efJeJejCe he´sef<ele keÀjlee nw. Yeejleer³e efj]peJe& yeQkeÀ
yeQkeÀeW ves keÀce y³eepe $eÝCe he´oeve keÀjkesÀ GÐeesieeW keÀes he³ee&hle mene³elee he´oeve keÀer ves 08 Deiemle, 21 keÀes Deheves F&cesue kesÀ ceeO³ece mes metef®ele efkeÀ³ee nw efkeÀ 21
nw. Yeejleer³e efj]peJe& yeQkeÀ ves Yeer jshees jsì keÀes uebyes mece³e lekeÀ DeheefjJee|lele efmelebyej keÀes meceehle íceener mes Megª nesves Jeeues he´e©he keÀer heefjJee|lele leejerKe
jKee. peyeefkeÀ ke=Àef<e Deewj mebye× ieefleefJeefOe³eeW kesÀ efueS Je<e&-oj-Je<e& $eÝCe Je=ef× 1 Dehe´wue, 2021 nw.
cee®e& 2022 ceW IeìkeÀj 9.9 he´efleMele nes ieF&, pees SkeÀ meeue henues 10.5
he´efleMele Leer, GÐeesie Deewj mesJee #es$e kesÀ $eÝCe heefjefve³eespeve ceW GuuesKeveer³e yeQkeÀ ves SkeÀ Fb[ SSme meueenkeÀej keÀer mesJeeSb ueeR Deewj SkeÀ keÀesj Fb[ SSme
megOeej ngDee. Smemeeryeer Üeje GÐeesie Deewj mesJee #es$e keÀes he´oeve efkeÀ³ee ie³ee $eÝCe ìerce keÀe ieþve efkeÀ³ee leLee Fb[ SSme keÀe³ee&vJe³eve keÀer he´ef¬eÀ³ee Megª keÀer.
efjheesì&
¬eÀceMeë 7.1 Deewj 8.9 he´efleMele lekeÀ yeæ{ ie³ee. ceneceejer kesÀ oewjeve ueieeS meueenkeÀej Üeje nj yeej Yeejleer³e efj]peJe& yeQkeÀ keÀes he´mlegle keÀjves mes henues Fb[
ieS meyemes DeefOekeÀ he´efleyebOe Pesueves Jeeues mesJee #es$e keÀer ieefleefJeefOe ceW Deye lespeer SSme efJeÊeer³e efJeJejCe he´e©he keÀer peeb®e keÀer peeleer nw Deewj peevekeÀejer kesÀ efueS
DeeF& nw Deewj kewÀueW[j Je<e& 22 ceW Deewj Yeer yesnlej he´oMe&ve keÀjves keÀer Gcceero yees[& keÀer uesKeehejer#ee meefceefle kesÀ meeceves jKeer peeleer nw.
nw. J³eefÊeÀiele $eÝCe Keb[, efpemeves 12.4 he´efleMele keÀer Je<e&-oj-Je<e& $eÝCe Je=ef×
osKeer nw, leoeefhe,Jen cee®e& 2020 ceW ceneceejer mes henues kesÀ 15 he´efleMele kesÀ veF& henue
efJekeÀeme mlej lekeÀ veneR hengb®e hee³ee nw. » he´efMe#eCe keWÀê “ye´eb[ meWì^ue” yeveeves nsleg lew³eej efkeÀS ieS nwb.
yeQkeÀ keÀe J³eJemeeef³ekeÀ keÀe³e& efve<heeove » heejoe|Melee megefveeq½ele keÀjves kesÀ efueS mìeHeÀ peJeeyeosner veerefle keÀe
hegvejeJeueeskeÀve efkeÀ³ee ie³ee
31 cee®e&, 2022 keÀes yeQkeÀ keÀe kegÀue J³eJemee³e `5,32,404 keÀjesæ[ Lee, pees
efJeÊeer³e
31 cee®e&, 2021 keÀes ` 5,06,886 keÀjesæ[ Lee. G®®e ueeiele peceejeefMe³eeb » meerheerSmeer-hetJe&-efJelejCe $eÝCe meceer#ee leb$e keÀe keÀe³ee&vJe³eve
31 cee®e&, 2021 kesÀ `68 keÀjesæ[ mes yeæ{keÀj Deye 31 cee®e&, 2022 keÀes » efveÿeJeeve ie´enkeÀeW mes efceueves kesÀ efueS efJeMes<e DeefYe³eeve ‘meWì^ue keÀveskeÌì’.
`75 keÀjesæ[ nes ieF& nw.
» Ye³ecegÊeÀ $eÝCe osves keÀes he´eslmeeefnle keÀjves kesÀ efueS mebMeesefOele $eÝCe MeefÊeÀ³eeb
Deewj DeeJeM³ekeÀ veerefleiele heefjJele&ve
31 cee®e&, 2022 keÀes meceehle efJeÊeer³e Je<e& nsleg yeQkeÀ keÀe heefj®eeueve ueeYe
`5,742 keÀjesæ[ jne, peyeefkeÀ 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& nsleg » keÀes - ueWeE[ie : $eÝCe Je=ef× ceW lespeer kesÀ efueS ve³ee J³eeheej keÀe³e&#es$e mLeeefhele
³en `4,579 keÀjesæ[ Lee. yeQkeÀ ves 31 cee®e&, 2021 keÀes meceehle efJeÊeer³e Je<e& efkeÀ³ee ie³ee.
ceW `888 keÀjesæ[ keÀer Meg× neefve kesÀ cegkeÀeyeues 31 cee®e&, 2022 keÀes meceehle » keÀe@heexjsì GOeejkeÀlee&DeeW keÀes peevekeÀejer meePee keÀjves Deewj cegÎeW kesÀ lJeefjle
efJeÊeer³e Je<e& ceW `1,045 keÀjesæ[ keÀe Meg× ueeYe Dee|pele efkeÀ³ee. meceeOeeve kesÀ efueS efJeefMeä cesue DeeF&[er DeLee&le greenchannel@
Centralbank.co.in he´ejcYe keÀer ieF&.
» yeQkeÀ keÀer JesyemeeFì keÀes ve³ee ªhe ve³ee jbie efo³ee ie³ee
» hegvee|vee|cele vesì yeQeEkeÀie / ceesyeeFue yeQeEkeÀie megefJeOee Megª keÀer ieF&.
» hebpeerkeÀjCe Deewj oeJeeW kesÀ keWÀêerke=Àle he´mebmkeÀjCe kesÀ efueS meerpeerìerSceSmeF& mesue keÀe ieþve
» SceDeeF&Sme Deewj S[erSHeÀ he´ef¬eÀ³eeOeerve
» veF& yeQeEkeÀie peªjleeW kesÀ efueS efcem[-keÀe@ue megefJeOee keÀe he´ejcYe
keÀes-ueWeE[ie
ì^s[me huesìHeÀece& kesÀ lenle SceSmeSceF& FkeÀeF³eeW kesÀ hetue yee³e DeeTì Deewj J³eeheej he´eh³e ítì keÀes, keÀes-ueWeE[ie kesÀ ceeO³ece mes Kegoje, ke=Àef<e Deewj SceSmeSceF&
(jwce) kesÀ lenle Deefie´ceeW kesÀ efJekeÀeme ceW Je=ef× hej O³eeve keWÀefêle keÀjves kesÀ efueS yeQkeÀ ves cenehe´yebOekeÀ kesÀ DeOeerve efJekeÀemeesvcegKe (keÀes-ueWeE[ie) J³eJemee³e veece keÀe
ve³ee efJeYeeie yevee³ee nw.
efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ves Yeejleer³e efj]peJe& yeQkeÀ efoMeeefveoxMeeW kesÀ Devegheeueve ceW he´eLeefcekeÀlee #es$e kesÀ lenle Kegoje, SceSmeSceF&
Deewj ke=Àef<e keÀes GOeej osves kesÀ efueS osMe kesÀ meele he´cegKe SveyeerSHeÀmeer/S®eSHeÀmeer kesÀ meeLe men-$eÝCe (keÀes-ueWeE[ie) meePesoejer keÀer nw. Je<e& kesÀ oewjeve keÀes-ueWeE[ie
kesÀ HeÀuemJe©he Deefie´ceeW ceW Je=ef× efvecveevegmeej nw :
(` keÀjesæ[ ceW)
#es$e 2021-22 kesÀ oewjeve mJeerke=Àle 31.03.2022 lekeÀ yekeÀe³ee'
खातों की सं ख्या स्वीकृ त राशि खातों की सं ख्या 31.03.2022 के
अनुसार बकाया राशि
Kegoje 13351 1588.98 12319 1304.28
SceSmeSceF& 1013 198.63 948 195.00
ke=Àef<e 5 1.68 5 0.93
kegÀue 14369 1789.29 13272 1500.21
Je<e& kesÀ oewjeve hetue yee³eDeeGì kesÀ keÀejCe Deefie´ceeW ceW Je=ef× efvecveevegmeej nw :
(` keÀjesæ[ ceW)
#es$e 2021-22 kesÀ oewjeve mJeerke=Àle 31.03.2022 lekeÀ yekeÀe³ee
खातों की सं ख्या स्वीकृ त राशि खातों की सं ख्या 31.03.2022 के
अनुसार बकाया राशि
Kegoje 162188 1500.00 162184 1315.95
efoveebkeÀ 31.03.2022 keÀes ìerDeejF&[erSme kesÀ lenle efve<heeove efJeMes<eleeSb » yeQkeÀ keÀes yeepeej ceW he´eflemheOeea yeveeves kesÀ efueS y³eepe ojeW keÀe ³egefÊeÀkeÀjCe
efvecveevegmeej nQ : efkeÀ³ee ie³ee Lee.
» meYeer GOeej Keeles yeæ[s SkeÌmeheespej He´sÀceJeke&À efve³eecekeÀ meerceeDeeW kesÀ lenle
efJeÊe Je<e& 2021-22 kesÀ efueS kegÀue J³eJemee³e ` 1972.10 keÀjesæ[ ngDee
ueeS ieS.
peyeefkeÀ efJeÊe Je<e& 2020-21 ceW `42.48 keÀjesæ[ keÀe keÀejesyeej ngDee nw.
kegÀue keÀejesyeej `1972.10 keÀjesæ[ ceW mes, keÀe@heexjsì ÞesCeer kesÀ lenle keÀejesyeej » heermeerS efoMeeefveoxMeeW kesÀ lenle yeQkeÀ kesÀ Demegjef#ele SkeÌmeheespej keÀes yeW®eceeke&À
`887.45 keÀjesæ[ nw Deewj heerSme³et ÞesCeer kesÀ lenle ³en `1084.65 keÀjesæ[ nw. kesÀ Yeerlej jKee ie³ee nw.
31.03.2022 keÀes kegÀue yekeÀe³ee `484.34 keÀjesæ[ keÀe nw. » keÀe@hee&sjsì $eÝCe ceW meerpeerF&meerSue keÀes meYeer hee$e keÀe@heexjsì KeeleeW kesÀ efueS
mJeerke=Àle efkeÀ³ee ie³ee Lee.
$eÝCe JewefMeäîe
» efve³eecekeÀ {eb®ee - meYeer hee$e keÀe@heexjsì KeeleeW ceW DeesìerDeej ueeiet efkeÀ³ee
» yeQkeÀ keÀe kegÀue mekeÀue Deefie´ce 31.03.2022 keÀes 7.23% keÀer Je=ef×
ie³ee Lee.
kesÀ meeLe yeæ{keÀj ` 189712 keÀjesæ[ nes ie³ee, pees 31.03.2021 keÀes
`176913 keÀjesæ[ Lee. » nceejs keÀe@heexjsì ie´enkeÀeW keÀes nceejs yeQkeÀ kesÀ meeLe GvekesÀ mebyebOeeW mes mebyebefOele
meYeer ceeceueeW kesÀ efueS keWÀêer³e keÀe³ee&ue³e ceW eEmeieue hee@Fbì SkeÌmesme he´oeve
» efJeÊeer³e Je<e& kesÀ oewjeve, keÀesefJe[ mes mebyebefOele ®egveewefle³eeW kesÀ yeeJepeto
keÀjves nsleg ie´erve ®ewveue keÀer Meg©Deele keÀer ieF& .
`35873 keÀjesæ[ keÀe ve³ee keÀe@heexjsì $eÝCe mJeerke=Àle efkeÀ³ee ie³ee.
» SSS jsìs[ GOeejkeÀlee&DeeW kesÀ SkeÌmeheespej ceW Je=ef× kesÀ meeLe heesì&HeÀesefue³ees
» $eÝCe veerefle Deewj ceemìj heefjhe$eeW keÀes mebheefÊe keÀer iegCeJeÊee ceW megOeej, $eÝCe
keÀe hegve: mebjsKeCe.
peesefKeceeW kesÀ he´yebOeve, efmemìce yeveeves Deewj DeefOekeÀ he´YeeJeer Deewj lJeefjle
efveCe&³e uesves keÀes efve³ebef$ele keÀjves kesÀ efueS DeÐeleve efkeÀ³ee ie³ee. » GOeejkeÀlee& keÀer yeenjer $eÝCe jseEìie kesÀ [eGveie´s[sMeve kesÀ ceeceues ceW Megª
efkeÀS peeves Jeeues keÀoceeW/keÀe³eeX kesÀ efueS he×efle SJeb he´ef¬eÀ³ee. efveiejeveer kesÀ efueS yeQeEkeÀie he´Ceeueer mes ` 250 keÀjesæ[ mes DeefOekeÀ peesefKece
» SceSmeSceF& GOeejkeÀlee&DeeW kesÀ efueS meWì FeqkeÌJeheceWì HeÀeFveWeEmeie ³eespevee Jeeues KeeleeW kesÀ efueS efJeMes<e efveiejeveer SpeWefme³eeW (SSmeSce) keÀes ueiee³ee pee
Meg© keÀer. jne nw.
» 2 Je<e& mes DeefOekeÀ Deewj 15 Je<e& lekeÀ keÀer DeJeefOe Jeeues F&yeerSueDeej eEuekeÌ[ » Devegceeefvele / he´#esefhele efve<heeove keÀer leguevee ceW JeemleefJekeÀ J³eJemeeef³ekeÀ
GlheeoeW keÀe efJemleej. efve<heeove keÀer efveiejeveer nsleg yeQkeÀ ceW met®eerye× keÀcheefve³eeW (` 1 keÀjesæ[ SJeb
DeefOekeÀ) Deewj Dev³e (` 5 keÀjesæ[ SJeb DeefOekeÀ keÀe keÀe³e&Meerue hetbpeer $eÝCe)
» meYeer keÀe@heexjsì ie´enkeÀeW Deewj Dev³e meermeer/Dees[er KeeleeOeejkeÀeW keÀes Fbìjvesì kesÀ $eÝCe KeeleeW keÀer efleceener meceer#ee nsleg SkeÀ leb$e keÀe³ee&eqvJele efkeÀ³ee ie³ee
yeQeEkeÀie he´oeve keÀer ieF& nw. nw.
» keÀesefJe[ he´YeeefJele he³e&ìve mesJee #es$e kesÀ efueS mesvì $eÝCe ieejbìer ³eespevee.
jCeefveleer
» jseEìie keÀer ieefleMeerue meceer#ee keÀer he´ef¬eÀ³ee kesÀ ceeO³ece mes $eÝCe KeeleeW keÀer
» met#ce efJeÊe mebmLeeveeW (SceSHeÀDeeF&) kesÀ efueS meWì $eÝCe ieejbìer ³eespevee. peesefKece jseEìie hej he´ejbefYekeÀ ®esleeJeveer mebkesÀleeW (F&[yu³etSme) keÀe he´YeeJe
» FLesvee@ue DeemeJeve keÀes yeæ{eves kesÀ efueS heefj³eespevee meceLe&keÀeW keÀes efJeÊeer³e cetu³eebkeÀve Megª efkeÀ³ee ie³ee nw.
mene³elee osves kesÀ efueS efoMeeefveoxMe men he×efle SJeb he´ef¬eÀ³ee. » efJeYeeie $eÝCe met®evee kebÀheefve³eeW SJeb SveF&SmeSue (met®evee Ghe³eesefielee) keÀes
» ve³es $eÝCeeW kesÀ me=peve keÀes megueYe yeveeves nsleg Sveyeerpeer efoMeeefveoxMeeW leLee $eÝCe Keelee efJeJejCe he´mlegle keÀjvee megefveeq½ele keÀj jne nw.
DeefOeie´nCe ceeveob[eW ceW mebMeesOeve. » efJeYeeie Deefie´ceeW mes mebyebefOele efJeefYeVe efve³eecekeÀ efJeJejCe / SceDeeF&Sme mece³e
$eÝCe efveiejeveer Deewj veerefle efJeYeeie hej pecee keÀjvee megefveeq½ele keÀj jne nw
» efJeYeeie mejmeeF& (meerF&DeejSmeSDeeF&) kesÀ meeLe megj#ee efnle kesÀ hebpeerkeÀjCe
nceejs $eÝCe heesì&HeÀesefue³ees keÀer iegCeJeÊee ceW megOeej kesÀ efueS, cenehe´yebOekeÀ keÀer
met®evee
keÀer efveiejeveer keÀj jne nw.
DeO³e#elee ceW $eÝCe efveiejeveer Deewj veerefle kesÀ efueS SkeÀ Deueie efJeYeeie keÀe³e&
keÀj jne nw. efJeYeeie Üeje keÀer pee jner he´cegKe ieefleefJeefOe³eeW keÀe efJeJejCe veer®es » efJeYeeie ³en megefveeq½ele keÀj jne nw efkeÀ $eÝCe mebyebOeer veerefle³eeW keÀes Yeejleer³e
efo³ee ie³ee nw: efj]peJe& yeQkeÀ , Yeejle mejkeÀej Deeefo Üeje peejer keÀer ieF& DeefOemet®eveeDeeW kesÀ
Devegªhe DeÐeleve efkeÀ³ee peeS.
efJeefYeVe efve³eb$ekeÀ keÀe³ee&ue³eeW Deewj yeæ[er MeeKeeDeeW ceW $eÝCe efveiejeveer meefceefle » meerDeejDeeF&Suemeer keÀes ef[]HeÀe@uì efjheesì& Deewj GOeej KeeleeW keÀer cegK³e
keÀe ieþve efkeÀ³ee ie³ee nw Deewj ³en megefveeq½ele efkeÀ³ee pee jne nw efkeÀ meefceefle efjheesì& he´mlegle keÀjvee
keÀer yewþkeWÀ mece³e -mece³e hej efvecveefueefKele eEyeogDeeW meefnle $eÝCe efveiejeveer mes » `5 keÀjes[ mes DeefOekeÀ SJeb `25 keÀjesæ[ lekeÀ kesÀ SmeSceS 1 Deewj 2 KeeleeW
mebyebefOele meYeer ceeceueeW hej efJe®eej-efJeceMe& keÀjves kesÀ efueS Dee³eesefpele keÀer peeleer keÀer ìschuesì meceer#ee, leeefkeÀ ®etkeÀ Jeeues KeeleeW ceW Gef®ele Deewj mece³e hej
nQ: -
efjheesì&
keÀej&JeeF& Megª keÀjves nsleg MeeKeeDeeW keÀe ceeie&oMe&ve efkeÀ³ee pee mekesÀ.
» ceen kesÀ oewjeve efJeefYeVe mlejeW hej he´l³ee³eesefpele $eÝCe MeefÊeÀ³eeW kesÀ he´³eesie » meYeer 90 #es$eer³e keÀe³ee&ue³eeW ceW $eÝCe he´ef¬eÀ³ee Deewj Devegceesove keWÀê
keÀe cetu³eebkeÀve (meerheerSmeer) keÀer mLeehevee keÀer ieF& nw. efpemekeÀe GoosM³e $eÝCe efveCe&³e uesves
ceW MeeKeeDeeW keÀes meMeÊeÀ yeveeves SJeb MeeKeeDeeW keÀes megefJeOee he´oeve keÀjves
» SmeSceS KeeleeW keÀe cetue keÀejCe efJeMues<eCe
Deewj cetu³eebkeÀve Deewj mJeerke=Àefle mes Megª nesves Jeeueer meYeer hetJe&-mebefJelejCe
» $eÝCe meceer#ee leb$e kesÀ DeOeerve KeeleeW kesÀ keÀJejspe Deewj yebo nesves keÀer eqmLeefle ieefleefJeefOe³eeW kesÀ SkeÀue eEyeog mel³eeheve keÀer megefJeOee he´oeve keÀjves leLee megj#ee
» GOeej KeeleeW ceW mìe@keÀ Dee@ef[ì kesÀ meb®eeueve keÀer eqmLeefle efvecee&Ce, Dev³e efve³eceeW Deewj MeleeX keÀe Devegheeueve meefnle omleeJes]peerkeÀjCe
» KeeleeW kesÀ meceer#ee veJeerveerkeÀjCe keÀer eqmLeefle Fl³eeefo nw. meerheerSmeer SkeÀ DeeOeej kesÀ ªhe ceW keÀe³e& keÀjsiee Deewj meYeer
MeeKeeSb Deheves #es$e ceW keÀe³e&jle meerheerSmeer mes pegæ[er ngF& nQ.
» he´efleYetefle³eeW kesÀ DeeJeefOekeÀ efvejer#eCe keÀjves kesÀ eqmLeefle
efJeÊeer³e
» mecee|hele mìeHeÀ meom³eeW kesÀ meeLe kesÀvêer³e keÀe³ee&ue³e Jeej ©ce kesÀ ieþve mes
» he´efleYetefle³eeW keÀer hetCe&le: keÀer eqmLeefle ` 1.00 keÀjesæ[ lekeÀ kesÀ meYeer SmeSceS KeeleeW keÀer DevegJeleea keÀej&JeeF& Deewj
» MeerIe´ meceeOeeve kesÀ efueS efJeÊeer³e ®etkeÀ mes henues ner Keeles keÀer ©iCelee / mueerhespe keÀes keÀce keÀjves ceW Yeer mene³elee efceueer nw.
iebYeerjleeDeeW keÀer hen®eeve keÀjves kesÀ efueS mecee|hele heesì&ue mes GlheVe GOeej he´eLeefcekeÀlee #es$e
KeeleeW kesÀ he´ejbefYekeÀ ®esleeJeveer mebkesÀleeW (F&[yu³etSme) keÀe mel³eeheve keÀjvee.
FmeceW efvecveefueefKele meeqcceefuele nQ. Yeejleer³e efjpeJe& yeQkeÀ kesÀ efveoxMeeW kesÀ Devegmeej mecee³eesefpele efveJeue yeQkeÀ $eÝCe
» Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMee-efveoxMeeW kesÀ Devegmeej Deeies keÀer peeb®e kesÀ keÀe 40% ³ee leguevehe$e mes Flej SkeÌmeheespej keÀer $eÝCe mecelegu³e jeefMe, pees Yeer
efueS hetJe& ®esleeJeveer mebkesÀleeW kesÀ heeueve hej GOeej KeeleeW keÀer js[-HeÌueweEieie DeefOekeÀ nes, he´eLeefcekeÀlee he´ehle #es$e keÀes GOeej efo³ee peevee nw. Fmeefue³es Fme #es$e
kesÀ lenle $eÝCe osvee yeQkeÀ keÀer he´eLeefcekeÀlee nw. 31.03.2022 (uesKeehejeref#ele)
» efvejblej ®eue jns yeæ[s cetu³e kesÀ GOeej KeeleeW kesÀ meb®eeueve Deewj uesveosve keÀer
keÀer eqmLeefle kesÀ Devegmeej he´eLeefcekeÀlee he´ehle #es$e kesÀ efJeefYeVe Keb[eW kesÀ lenle yeQkeÀ
keÀe he´oMe&ve efvecveevegmeej nw:
(` keÀjesæ[ ceW)
¬eÀ. efJeJejCe cee®e&-19 cee®e&-20 cee®e&-21 cee®e&-22 Je=ef× (%)
1 he´eLeefcekeÀlee he´ehle #es$e Deefie´ce 83201 79987.91 88222.47 93886.50 6.42%
5 DeeJeeme $eÝCe (25 ueeKe ©he³es lekeÀ) 13956 13939.37 16744.07 18503.23 10.51%
he´eLeefcekeÀlee #es$e kesÀ lenle $eÝCe heefjefve³eespeve 2021-22 kesÀ oewjeve yeæ{keÀj ` 93886.50 keÀjesæ[ nes ie³ee, pees efheíues Je<e& keÀer leguevee ceW ` 5664.03 keÀjesæ[
keÀer Je=ef× ope& keÀjlee nw leLeeefhe, he´eLeefcekeÀlee he´ehle #es$e $eÝCe ceW SSveyeermeer hej Del³eefOekeÀ GOeej keÀe ueeYe Gþeves kesÀ efueS, yeQkeÀ ves heerSmeSuemeer ceW efye¬eÀer uesveosve
efkeÀ³ee. Je<e& kesÀ oewjeve yeQkeÀ ves he´eLeefcekeÀlee #es$e kesÀ lenle ` 15528.00 keÀjesæ[ cetu³e kesÀ heerSmeSuemeer yes®es (meeceev³e heerSme kesÀ lenle 10500 keÀjesæ[, íesìs Deewj
meerceeble efkeÀmeeveeW kesÀ lenle 5028 keÀjesæ[ ) efoveebkeÀ 31.03.2022 lekeÀ he´eLeefcekeÀlee #es$e kesÀ lenle ` 2671.54 keÀjesæ[ keÀe yekeÀe³ee DeejDeeF&[erSHeÀ nw, efpemeceW
`2092.97 keÀjesæ[ ke=Àef<e #es$e kesÀ lenle nw.
( ₹(`inkeÀjes æ[ ceW)
crore)
93886.5
100000 88222.47
90000 82771 82835 83201 79987.91
78289
80000 75997
68652
70000
60000 51259
50000
40259
40000
30000
20000
10000
0
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
ke=Àef<e
meceer#eeOeerve Je<e& kesÀ oewjeve, kegÀue ke=Àef<e $eÝCe 31 cee®e&, 2021 keÀes ` 36206.99 keÀjesæ[ kesÀ mlej mes ` 2428.41 keÀjesæ[ yeæ{keÀj 31 cee®e&, 2022 lekeÀ `
38635.40 keÀjesæ[ nes ie³ee. mecee³eesefpele Meg× yeQkeÀ $eÝCe (SSveyeermeer) ceW ke=Àef<e $eÝCe efveOee&efjle 18% ue#³e kesÀ he´efle 19.79% he´ehle efkeÀ³ee ie³ee nw.
( ₹(`inkeÀjes æ[ ceW)
crore)
45000 38635
35957 36760 37537
35387 35655 36207
40000 34192 34419
35000
30000 24658
25000
jCeefveleer
18848
20000
15000
10000
500
0
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
yeQkeÀ Üeje ke=Àef<e SJeb ie´eefceCe efJekeÀeme kesÀ #es$e ceW he´mlegle efkeÀ³es ie³es cegK³e GlheeoeW keÀe efJeJejCe efvecveevegmeej nw : -
met®evee
¬eÀ. ³eespevee keÀe veece efJeJejCe
1 meWì efkeÀmeeve ¬esÀef[ì keÀe[& HeÀmeueeW keÀer Kesleer / HeÀmeue keÀìeF& kesÀ yeeo kesÀ Ke®eeX / GlheeoeW kesÀ efJeheCeve / GheYeesie keÀer
DeeJeM³ekeÀlee / ke=Àef<e mes mebye× ieefleefJeefOe³eeW Deewj ke=Àef<e mes mebye× ieefleefJeefOe³eeW kesÀ jKejKeeJe kesÀ efueS
keÀe³e&Meerue hetbpeer / ke=Àef<e kesÀ efueS efveJesMe $eÝCe DeeJeM³ekeÀlee kesÀ efueS Deewj mebye× ieefleefJeefOe³eeW kesÀ
efue³es SkeÀue efKeæ[keÀer $eÝCe he´oeve keÀjvee.
2 meWì Sie´er ieesu[ ueesve meesves kesÀ ienves Deewj nceejs yeQkeÀ Üeje peejer efkeÀS ieS meesves kesÀ efmekeÌkesÀ keÀes efiejJeer jKekeÀj ke=Àef<e Deewj
mebye× ieefleefJeefOe³eeW ceW lJeefjle efJeÊe HeÀmeue Glheeove Deewj efveJesMe $eÝCe.
3 meWì SmeS®epeer yeQkeÀ eEuekesÀpe SmeS®epeer keÀes GOeej - heefj¬eÀeceer vekeÀo GOeej / meeJeefOe $eÝCe.
4 [erSJeeF&-SveDeejSueSce efceMeve cees[ kesÀ lenle ceefnuee mJe³eb mene³elee mecetneW kesÀ efJeÊehees<eCe kesÀ efueS SceDeesDeej[er Üeje Megª
efjheesì&
keÀer ieF& ³eespevee.
5 meWì SSceDeeF& (ke=Àef<e efJeheCeve mebj®evee) ke=Àef<e kesÀ efJeheCeve ³eesi³e DeefOeMes<e keÀe he´YeeJeer {bie mes ÒeyebOe keÀjves kesÀ efueS veJeervelece he´ewÐeesefiekeÀer,
³eespevee ie´seE[ie, ceevekeÀerkeÀjCe, iegCeJeÊee he´ceeCeve, Jew%eeefvekeÀ Yeb[ejCe megefJeOee kesÀ efvecee&Ce kesÀ meeLe efJeheCeve
yegefve³eeoer {eb®es kesÀ efvecee&Ce Deewj mebye× #es$e nsleg efJeÊe he´oeve keÀjvee .
6 meWì heeueer neGme, ie´erve neGme Mes[- vesì G®®e iegCeJeÊee Jeeueer J³eJemeeef³ekeÀ yeeieyeeveer HeÀmeueeW kesÀ mebj#eCe nsleg efJeÊeer³e mene³elee
neGme
7 meWì [s³ejer ogiOe Glheeove kesÀ efueS [s³ejer FkeÀeF³eeW keÀer mLeehevee.
8 meWì Sie´er eqkeÌueefvekeÀ / Sie´er efyepevesme ³eespevee kesÀ Devegmeej DeeJeM³ekeÀ ³eesi³elee Deewj ©Peeve Jeeues DeY³ee|Le³eeW keÀes ke=Àef<e keÌueerefvekeÀ SJeb
ke=Àef<e J³eJemee³e kesÀvê keÀer mLeehevee kesÀ efueS efJeÊeer³e mene³elee he´oeve keÀjvee.
9 meWì HeÀece& ceMeervejer ì^wkeÌìj ì^suejeW Deewj Dev³e ke=Àef<e kesÀ GhekeÀjCe kesÀ efue³es efJeÊe he´oeve keÀjvee efJeÊeer³e
10 meWì efkeÀmeeve meeLeer keÀpe&oej efkeÀmeeveeW keÀes meentkeÀejeW, oueeueeW Deeefo keÀes os³e GvekeÀer yekeÀe³ee jeefMe keÀes keÀce keÀjves ceW
ceoo keÀjvee.
11 meWì Devegmetef®ele pevepeeefle Devegmetef®ele pevepeeefle kesÀ lenle keÀcepeesj JeieeX keÀes efJeÊeer³e mene³elee.
12 meWì heesuì^er kegÀkeÌkegÀì HeÀece& FkeÀeF³eeW keÀer mLeehevee Deewj meb®eeueve kesÀ efueS efJeÊe.
13 meWì efHeÀMejer heejbheefjkeÀ Deewj JeeefCeeqp³ekeÀ ceíueer hekeÀæ[ves keÀer ieefleefJeefOe kesÀ efueS efJeÊe
14 meWì Sie´er FbHe´Àe HeÀmeueesÊej he´yebOeve kesÀ efueS heefj³eespeveeDeeW ceW efveJesMe kesÀ efueS ceO³ece-oerIe&keÀeefuekeÀ $eÝCe efJeÊe megefJeOee
he´oeve keÀjvee
15 meWì meesuej-heerScekegÀmegce ³eespevee efJekesÀvêerke=Àle Yetefce/eqmìuì ceeGbìs[ efie´[ mes pegæ[s meewj DeLeJee Dev³e veJeerke=Àle Tpee& DeeOeeefjle
SmeDeesDees efkeÀuees Jeeì mes 2 cesieeJeeì keÀer #ecelee Jeeues MeefÊeÀ kesÀvê keÀer mLeehevee nsleg ke=À<ekeÀeW / 500
/ ke=À<ekeÀ menkeÀejer mebmLeeDeeW keÀes efJeÊe he´oeve keÀjvee
16 meWì efJeéeeme keÀce y³eepe oj hej (i) J³eefÊeÀiele Smemeer / Deesyeermeer ueeYeee|Le³eeW keÀes ` 2.00 ueeKe lekeÀ (ii) Smemeer/
Deesyeermeer ueeYeee|Le³eeW kesÀ SmeS®epeer keÀes ` 4.00 ueeKe lekeÀ efJeÊe he´oeve keÀjvee
( ₹(`inkeÀjes æ[ ceW)
crore)
600 524.00
563.35
508.00
500 437.00
400
318.00
300
194.94
200
135.04
efJeÊeer³e Je<e& 2020-21 ceW yeermeer kesÀ ceeO³ece mes Kegues efJeÊeer³e meceeJesMeve KeeleeW ceW ` 524.00 ueeKe kesÀ uesve-osve yeæ{keÀj, efJeÊeer³e Je<e& 2021-22 ceW (Je<e&-oj-
Je<e& 7.51% keÀer Je=ef×) ` 563.35 ueeKe nes ieS.
( ₹(`inkeÀjes
crore)
æ[ ceW)
बीसी के माध्यम से व्यवसाय (करोड़ में)
3285.77
3500.00
3000.00 2715.00
2500.00 2088.33
jCeefveleer
2000.00
1573.47
1500.00
1003.94
1000.00
579.86
500.00 283.65
5.65 24.67 74.99 132.11
0.00
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
yeermeer kesÀ ceeO³ece mes efoveebkeÀ 31 cee®e&, 2021 keÀe J³eJemee³e 2715.00 keÀjesæ[ mes yeæ{keÀj, efoveebkeÀ 31 cee®e&, 2022 keÀes 3285.77 keÀjesæ[ (Je<e&-oj-Je<e&
met®evee
21.02% keÀer Je=ef×) nes ie³ee.
160.00 150.09
145.00
140.00 126.00
117.00
120.00
efjheesì&
99.89
100.00 84.88
71.19
80.00
62.72
60.00 51.11
37.32
40.00 30.92
20.00
0.00
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 efJeÊeer³e
yeermeer kesÀ ceeO³ece mes Kegues Keeles efoveebkeÀ 31 cee®e&, 2021 kesÀ 145.00 ueeKe yeæ{keÀj, efoveebkeÀ 31 cee®e&, 2022 keÀes 150.09 ueeKe (Je<e&-oj-Je<e& 3.51%
keÀer Je=ef×) nes ieS.
efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve, SHeÀDeeF&-heerScepes[erJee³e kesÀ Debleie&le he´cegKe GheueeqyOe³eeb
yeermeer MeeKeeDeeW kesÀ ceeO³ece mes J³eJemee³e 21.02 % mes yeæ{keÀj, 2715.00 keÀjesæ[ mes 3285.77 keÀjesæ[ nes ie³ee. kegÀue SHeÀDeeF& J³eJemee³e 13.85% mes yeæ{keÀj,
4955.00 keÀjesæ[ mes 5641.06 keÀjesæ[ nes ie³ee. heerScepes[erJee³e KeeleeW ceW DeeOeej meereE[ie keÀe he´efleMele 83.97% mes yeæ{keÀj 86.24% nes ie³ee SJeb meYeer
heefj®eeefuele keÀemee Keeles 88.30% mes yeæ{keÀj 90.34% nes ieS. Metv³e Mes<e Jeeues heerScepes[erJee³e KeeleeW keÀer mebK³ee 39.76% mes IeìkeÀj, 18,44,633 mes
11,11,187 nes ieF&.
efoveebkeÀ 31.03.2021 keÀes meeceeefpekeÀ megj#ee ³eespevee kesÀ lenle ope& veeceebkeÀve keÀer leguevee ceW, efoveebkeÀ 31.03.2022 keÀes kegÀue veeceebkeÀve ceW efvecveevegmeej Je=ef×
ngF& nw :
Jeeef<e&keÀ efjheesì& 2021-22 81
ÒeyebOekeÀer³e ®e®ee& SJeb efJeMues<eCe
peejer
meeceeefpekeÀ megj#ee ³eespevee efJeÊeer³e Je<e& 2020- efJeÊeer³e Je<e& 2021- Je=ef×%
21 22
heerScepespesyeerJeeF& 17,49,860 19,23,653 09.93%
heerSceSmeyeerJeeF& 51,53,219 55,74,581 08.18%
SheerJeeF& 12,32,446 15,81,162 28.29%
heerScepespesyeerJeeF& kesÀ lenle 12946 ce=l³eg oeJeeW ceW mes, 12690 oeJeeW keÀe ie´eceerCe mJe-jes]peieej he´efMe#eCe mebmLeeve (Deej-mesìer)
efveheìeje efkeÀ³ee ie³ee nw Deewj heerSceSmeyeerJeeF& kesÀ lenle 3403 ce=l³eg oeJeeW ceW osMe kesÀ 9 jep³eeW ceW 46 Deej-mesìer nQ DeLee&le ceO³e he´osMe(18), efyenej(9),
mes 2963 oeJeeW keÀe efveheìeve efkeÀ³ee ie³ee nw Deewj Dev³e oeJeeW keÀes DemJeerke=Àle cenejeä^(6), GÊej he´osMe(5), heeq½ece yebieeue(3), íÊeermeieæ{(2), jepemLeeve(1),
efkeÀ³ee ie³ee nw / yeercee kebÀheefve³eeW kesÀ efJe®eejeOeerve nQ. Gæ[ermee(1) Deewj Demece (1) ceW nQ. Je<e& 2021-22 kesÀ oewjeve, Fve Deej-mesìer
ves 578 he´efMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS Deewj 12678 GcceeroJeejeW keÀes
Deefie´ce yeQkeÀ kesÀ Debleie&le keÀe³e&-efve<heeove.
he´efMe#eCe efo³ee. FmeceW mes 8874 (DeLee&le 70%) he´efMe#egDeeW keÀes yeQkeÀ $eÝCe,
nceejs heeme meele jep³eeW ceW eqmLele 51 efpeueeW ceW Deie´Ceer yeQkeÀ keÀer efpeccesoejer nw; Jesleve Yegieleeve Deewj mJe-efJeÊe kesÀ ceeO³ece mes GvekeÀe keÀe³e& hetje efkeÀ³ee. Fve
FveceW ceO³e he´osMe (18), efyenej (10), cenejeä^ (7), GÊej he´osMe (5), heeq½ece 7888 megmLeeefhele GcceeroJeejeW ves ³eeefve 62% ves $eÝCe mecye×lee neefmeue keÀer.
yebieeue (4), jepemLeeve (3) SJeb íÊeermeieæ{ (4) Meeefceue nQ. kegÀue J³eJemee³e
keÀe 50% mes DeefOekeÀ SJeb nceejer kegÀue MeeKeeDeeW keÀe ueieYeie 25% Yeeie Fve Dev³e henueW :
jep³eeW kesÀ Deie´Ceer efpeueeW ceW nw.Deie´Ceer yeQkeÀ ³eespevee kesÀ he´YeeJeer keÀe³ee&vJe³eve nceejs yeQkeÀ ves Deej-mesìer Deewj SHeÀSuemeermeer kesÀ meb®eeueve Deewj keÀecekeÀepe keÀes
kesÀ efueS, Deie´Ceer efpeuee he´yebOekeÀeW kesÀ keÀe³ee&ue³e, he³ee&hle ªhe mes J³eJeeqmLele efve³ebef$ele Deewj he³e&Jes#eCe keÀjves kesÀ efueS “mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee meceeefpekeÀ
SJeb mecegef®ele mìeHeÀ Deewj yegefve³eeoer mebj®evee pewmes mJeleb$e / De®ís heefjmej, GlLeeve SJeb he´efMe#eCe mebmLeeve (meeryeerDeeF&-Sme³etSheerSme)” kesÀ veece mes SkeÀ
Jeenve, kebÀh³etìj / uewheìe@he Deewj eEhe´ìme&, ìsueerHeÀesve, Fbìjvesì keÀveskeÌMeve, F&- meesmeeFìer / ì^mì keÀer mLeehevee keÀer nw. nceves Meer<e& mlej hej Deej-mesìer Deewj
cesue DeeF&[er, ceesyeeFue mes megmeeqppele nQ. SHeÀSuemeermeer kesÀ ceeceueeW SJeb keÀe³eeX hej meceie´ ªhe mes efve³eb$eCe Deewj he³e&Jes#eCe
kesÀ efueS ieJee\veie keÀeGbefmeue keÀe ieþve efkeÀ³ee nw, efpemeceW he´yebOe efveosMekeÀ SJeb
yeQkeÀ kesÀ efJeefYeVe GlheeoeW mes pevelee/ueesieeW keÀes DeJeiele keÀjeves kesÀ efueS, cegK³e keÀe³e&keÀejer DeefOekeÀejer (Sce[er SC[ meerF&Dees) keÀes mebj#ekeÀ kesÀ ªhe ceW,
nceves Sue[erSce keÀes he´oÊe JeenveeW ceW ie´eceerCe pevemebK³ee mes mebyebefOele efkeÀmeeve keÀe³e&heeuekeÀ efveosMekeÀ keÀes DeO³e#e kesÀ ªhe ceW Deewj cenehe´yebOekeÀeW keÀes meom³e
$eÝCe keÀe[&, mesvì^ue Deeìeapeve $eÝCe keÀe[&, mJeeefYeceeve / DeeOeej Fl³eeefo mes kesÀ ªhe ceW Meeefceue efkeÀ³ee ie³ee nw.
mecyebefOele kegÀí Glheeo he´oe|Mele efkeÀS nQ. meYeer efJekeÀemeelcekeÀ ieefleefJeefOe³eeb
pewmes efJeÊeer³e mee#ejlee / efJeÊeer³e meceeJesMeve keÀe³e&¬eÀce, Deej-mesìer ceW efve³eesefpele SceSmeSceF& efJeYeeie
ie´eceerCe ³egJeeDeeW keÀes he´efMe#eCe, SmeS®epeer / efkeÀmeeve-keÌueye / pesSuepeer keÀe SceSmeSceF& J³eJemee³e kesÀ meef¬eÀ³e Glheeo :
hetje keÀe³ee&vJe³eve, meJee¥ie meeceeefpekeÀ-Deee|LekeÀ heefjJele&ve ueeves kesÀ efueS $eÝCe
ieefleefJeefOe³eeW keÀe ef¬eÀ³eevJe³eve efkeÀ³ee nw. 1 mesvì efyepevesme
2 mesvì cee@iexpe
efJeÊeer³e mee#ejlee Deewj $eÝCe hejeceMe& kesÀvê (SHeÀSuemeermeer) 3 mesvì keÀe@vì^skeÌìj
nceves 7 jep³eeW ceW 48 SHeÀSuemeermeer Keesues nQ; ceO³e he´osMe (18), efyenej( 4 mesvì cegêe
10), cenejeä^ (7), GÊej he´osMe (5), heeq½ece yebieeue (3), jepemLeeve (3) Deewj 5 pevejue SceSmeSceF& ( DeeF&yeerS HeÀecexì)
íÊeermeieæ{ (2) Deewj kesÀjue jep³e ceW yuee@keÀ mlej hej 4 leLee efyenej jep³e 6 mesvì ì^s[
kesÀ ojYebiee efpeues ceW yuee@keÀ mlej hej 5 SHeÀSuemeermeer nw. nceves 6 jep³eeW ceW 7 mìQ[-Dehe Fbef[³ee
85 meerSHeÀSue Keesues nQ DeLee&le efyenej (28), ceO³e he´osMe (27), GÊej he´osMe 8 mesvì [yuetS®eDeej
(12), íÊeermeieæ{ (9), heeq½ece yebieeue (5), jepemLeeve (4) J³eehekeÀ he´®eej- 9 Sve³etSueSce
he´meej Deewj Jew³eefÊeÀkeÀ hejeceMe& oesveeW efkeÀ³es pee jns nQ. 10 mesvì yegvekeÀj cegêe
11 heerSce mJeefveefOe
yeQkeÀ ves Megª efkeÀS efJeefYeVe GlheeoeW/³eespeveeDeeW keÀes he´oe|Mele keÀjves kesÀ efueS, 12 mesvì keÀvmì^keÌMeve FeqkeÌJeheceWì HeÀe³eveWme
pevelee kesÀ yeer®e peeieªkeÀlee ueeves Deewj GvnW ueeYe he´ehle keÀjves kesÀ DeJemej osves 13 keÀceerMeve SpeWì SJeb Deeæ{efle³eeW kesÀ efueS, mesvì ì^s[ mkeÀerce
kesÀ efueS, GvnW heeqyuekeÀ S[^sme efmemìce SJeb Suemeer[er mes ³egÊeÀ Jeenve GheueyOe 14 mesvì efyepevesme ieesu[ ueesve ³eespevee
keÀjeS nQ. leeefkeÀ GvekeÀer Deee|LekeÀ eqmLeefle Deewj peerJeve mlej keÀe GlLeeve efkeÀ³ee 15 mesvì Mee@he
pee mekesÀ. FmekesÀ DeueeJee, peye nce hejeceMe& osles nQ leye mee#ejlee meeceie´er, 16 SmeDeejìerDees (heefjJenve heefj®eeuekeÀ)
efkeÀì, efkeÀleeyeW Deeefo he´oeve keÀjles nQ leLee ieebJeeW keÀe oewje keÀjles nQ. 17 mesvì keÀu³eeCeer
18 mesvì jWìue
jCeefveleer
27 keÀesefJe[ he´YeeefJele #es$e kesÀ efueS $eÝCe ieejbìer ³eespevee
» सेन्ट प्रोफे शनल
28 mesvì^ue ueIeg GÐeceer $eÝCe keÀe[&
29 mesvì keÀmìce ne³eeEjie mesvìj (Sce.heer.) » सेन्ट गति धारा (पश्चिम बं गाल राज्य हेतु)
30 Devegmetef®ele peeefle³eeW kesÀ efueS, $eÝCe FvnebmeceWì ieejbìer mkeÀerce » के रल राज्य में वापस लौटे अनिवासियों के वित्त हेतु सेन्ट रिर्टंड एनआरआई
31 mesvì mebpeerJeveer बिजनेस लोन स्कीम
32 mesvì Mee@he keÀesìe » सेन्ट जीएसटी इनपुट टैक्स क्रेडिट
33 Fbefoje ieebOeer Menjer $eÝCe keÀe[& ³eespevee - jepemLeeve
» सेन्ट डॉक्टर
34 cegK³eceb$eer mJejespeieej ³eespevee (kesÀJeue ceO³e he´osMe)
35 cegK³eceb$eer ³egJee GÐeceer ³eespevee (kesÀJeue ceO³e he´osMe) » सेन्ट डेंटिस्ट
met®evee
36 cegK³eceb$eer ke=À<ekeÀ GÐeceer ³eespevee (kesÀJeue ceO³e he´osMe) » सेन्ट सरल बिजनेस
37 mesvì ì^s[dme » सेन्ट व्यापारी
SceSmeSceF& keÀe³e&-efve<heeove :
( ` keÀjesæ[ ceW )
efJeJejCe 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 heerSmeSuemeer heerSmeSuemeer
jefnle Je<e&- meefnle Je<e&-
(uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) heerSmeSuemeer heerSmeSuemeer oj-Je<e& Je=ef× oj-Je<e& Je=ef×
heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer kesÀ heerSmeSuemeer jefnle meefnle** keÀe % keÀe %
jefnle meefnle* efyevee jefnle meefnle**
met#ce GÐece 10597 13733 14109 14109 16980 16980 20.35% 20.35%
efjheesì&
SceSmeF& 26717 29853 29963 29963 31379 31379 4.73% 4.73%
SceSmeSceF& (heerSme) 30233 33369 32845 32845 34433 34433 4.83% 4.83%
kegÀue SceSmeSceF& 30233 33369 32845 32845 34433 34433 4.83% 4.83%
( ` keÀjesæ[ ceW )
efJeJejCe 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 heerSmeSuemeer heerSmeSuemeer
jefnle Je<e&- meefnle Je<e&-
(uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) heerSmeSuemeer heerSmeSuemeer oj-Je<e& Je=ef× oj-Je<e&
heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer kesÀ heerSmeSuemeer jefnle meefnle** keÀe % Je=ef× %
jefnle meefnle* efyevee jefnle meefnle**
kegÀue J³eJemee³e keÀe SceSmeSceF& Deefie´ce keÀe % 17.55% 19.37% 18.27% 18.56% 19.46% 19.46% 4.83% 4.83%
Yeejleer³e efj]peJe& yeQkeÀ DeefOeosMe (he´Oeeve ceb$eer keÀe³e& yeue) 31.03.2020 (uesKeehejeref#ele) 31.03.2021(uesKeehejeref#ele) 31.03.2022 (uesKeehejeref#ele) ue#³e cee®e&-22
efJeÊeer³e
met#ce GÐece kesÀ KeeleeW keÀer mebK³ee. 878407 925742 867652 1018316
met#ce GÐeceeW kesÀ Debleie&le KeeleeW keÀer mebK³ee ceW Je<e&-oj-Je<e& 8.04% 5.38% -6.27% 10%
Je=ef×
( ` keÀjesæ[ ceW )
Yeejleer³e efj]peJe& yeQkeÀ DeefOeosMe (he´Oeeve ceb$eer keÀe³e& yeue) 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 ue#³e
(uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) (uesKeehejeref#ele) cee®e&-22
heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer heerSmeSuemeer
jefnle meefnle jefnle meefnle jefnle meefnle
SceSmeF& heesì&HeÀesefue³ees (jeefMe) 26717 29853 29963 29963 31379 31379 NA
SceSmeF& kesÀ lenle Je<e&-oj-Je<e& -5.51% -12.62% 12.14% 0.36% 4.72% 4.72% 20%
mebkesÀlekeÀ efJeJejCe
keÀe³e&-efve<heeove JewMäîe » heerSmeSuemeer jefnle,SceSmeF& keÀe met#ce $eÝCe keÀe he´efleMele 54.11 % nw
» yeQkeÀ ves met#ce $eÝCe kesÀ lenle Je<e&-oj-Je<e& Je=ef× 20.34 % neefmeue keÀer nw.
» heerSceSceJee³e kesÀ lenle nceejs yeQkeÀ keÀer GheueeqyOe efJeÊeer³e mesJeeSb efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej Üeje efoS
ieS ue#³e keÀe 109.59 % nw. peyeefkeÀ cee®e& 2022 keÀes ` 4400 keÀjesæ[ keÀe ue#³e Lee Deewj nceejs yeQkeÀ ves veF&
cebpetjer kesÀ lenle `4822.33 keÀjesæ[ keÀer GheueeqyOe neefmeue keÀer.
nceejer henue » efj]pee@u³etMeve He´sÀceJeke&À 2.0 uee@v®e efkeÀ³ee ie³ee.
» F&meerSuepeerSme efJemleej ³eespeveeDeeW keÀes ueeiet efkeÀ³ee ie³ee.
» nwuLe kesÀ³ej #es$e kesÀ efueS, mesvì mebpeerJeveer ³eespevee Megª keÀer ieF&.
» mesvì nsuLekesÀ³ej mkeÀerce, mesvì peerJekeÀ, mesvì he´ieefle, keÀes-ueWeE[ie, mesvì JnerkeÀue efyepevesme, cegK³eceb$eer GÐece
¬eÀebefle ³eespevee, jepemLeeve kesÀ efueS Fbefoje ieebOeer Menjer $eÝCe keÀe[& ³eespevee, mesvì Mee@he keÀesìe uee@v®e keÀer ieF¥.
» keÀes-ueWeE[ie kesÀ lenle efJeÊehees<eCe kesÀ efueS SveyeerSHeÀmeer kesÀ meeLe ieþpeesæ[.
YeeJeer ³eespeveeSb » Fme ue#³e keÀes neefmeue keÀjves kesÀ efueS, nceeje he´cegKe O³eeve cegêe ³eespevee, mìQ[-Dehe Fbef[³ee ³eespevee, kesÀJeerDeeF&meer
/ heerSceF&peerheer ³eespeveeDeeW kesÀ lenle $eÝCe Deewj mesvì yegvekeÀj cegêe ³eespevee kesÀ lenle efJeÊe he´oeve keÀjves hej nw.
» DeeJeM³ekeÀleeveg©he GlheeoeW kesÀ ceeO³ece mes mecetn DeeOeeefjle efJeÊehees<eCe keÀjvee.
» Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej, meYeer hee$e KeeleeW kesÀ hegveie&þve kesÀ efueS leLee SmeSceS-2
KeeleeW kesÀ GVe³eve nsleg meIeve DevegJeleea keÀej&JeeF& keÀer pee jner nw.
» met#ce $eÝCe kesÀ efueS ef[efpeìue keÀe³e&he´Ceeueer keÀes DeheveekeÀj Deewj he´ewÐeesefiekeÀer me#ece GlheeoeW keÀes ueeiet keÀj mebhetCe&
meceeOeeve heeves kesÀ efueS efHeÀveìskeÀ ieefleefJeefOe³eeW keÀes cepeyetle efkeÀ³ee peeSiee
Kegoje $eÝCe FmekesÀ DeueeJee, yeQkeÀ ves neue ner ceW ceefnuee meMeefÊeÀkeÀjCe kesÀ Ghee³e kesÀ ªhe ceW
efheíues kegÀí mece³e mes Yeejle ceW Kegoje $eÝCe #es$e keÀer mebkeÀuhevee efJekeÀefmele Deewj Deece Deeoceer kesÀ efueS efJeefYeVe henue Megª keÀer nQ; FveceW henuee ueIeg ye®ele
ngF& nw, Fmemes meyemes p³eeoe DeekeÀ<e&keÀ $eÝCe kesÀ efJekeÀuhe Kegue ieS nQ, Fmemes yeQkeÀ Glheeo “nesce meseEJeie mesHeÀ ef[hee@efpeì DekeÀeGbìdme” Megª keÀjkesÀ meeceeefpekeÀ
Kegoje $eÝCe keÀer heejbheefjkeÀ yeQeEkeÀie mebkeÀuhevee mes efvekeÀuekeÀj, efHeÀveìskeÀ mhesme efpeccesoeefj³eeW kesÀ he´efle he´efleye×lee keÀer hejcheje keÀes yeveeS jKee nw. y³eepe ojeW
kesÀ ceeO³ece mes he´l³eskeÀ veJeesvces<eer $eÝCe keÀer DeJeOeejCee efJekeÀefmele ngF& nw. yeæ{leer ceW efj³ee³ele Deewj Debeflece kegÀí efkeÀmleeW keÀer ítì pewmes DeekeÀ<e&keÀ efJeMes<eleeDeeW
Dee³e Deewj ogefve³ee keÀe meyemes De®íe nesves keÀer F®íeMeefÊeÀ ves Yeejle ceW Je<e&- kesÀ meeLe mesvì ie=n ue#ceer (nesce ueesve) Deewj efj³ee³eleer y³eepe oj kesÀ meeLe mesvì
oj-Je<e& Kegoje $eÝCe kesÀ Jejoeve keÀe ceeie& he´Memle efkeÀ³ee nw, neueebefkeÀ Fmeves Jeeefnveer Jeenve $eÝCe Deewj efj³ee³eleer y³eepe oj hej nefjle henue kesÀ ªhe ceW F&-
GOeejoeleeDeeW kesÀ yeer®e ieuee-keÀeì he´eflemheOee& keÀer YeeJevee keÀes cepeyetle efkeÀ³ee JeenveeW keÀes $eÝCe he´oeve keÀjves kesÀ efueS mesvì iees-ie´erve JnerkeÀue ueesve keÀes uee@v®e
nw ke̳eeWefkeÀ nj $eÝCeoelee GheueyOe Kegoje $eÝCe heefjJesMe ceW meyemes yeæ[e efnmmee efkeÀ³ee nw. Kegoje $eÝCe Je=ef× keÀes yeæ{eJee osves kesÀ efueS, efJeYeeie ves efJeÊeer³e Je<e&
®eenlee nw. neueebefkeÀ efkeÀmeer Yeer yeQkeÀ keÀer Kegoje GOeejer ceW meHeÀuelee Fme yeele 2021-22 kesÀ oewjeve efJeefYeVe henue keÀer nQ, efpeveceW Dev³e yeeleeW kesÀ meeLe-meeLe
hej efveYe&j keÀjleer nw efkeÀ he´l³eskeÀ yeQkeÀ Kegoje GOeej kesÀ #es$e ceW efkeÀme efJeefMeälee efvecveefueefKele Meeefceue nQ :
keÀes Deheveelee nw. FmekesÀ DeueeJee, he´l³eskeÀ yeQkeÀ keÀer meHeÀuelee Kegoje Glheeo, » kesÀvêerke=Àle he´mebmkeÀjCe Deewj Devegceesove kesÀvêeW (meerheerSmeer) kesÀ ceeO³ece mes
ìve&-DejeGb[ mece³e, ie´enkeÀ mesJee meblegeqä Deewj Kegoje GlheeoeW keÀer he´efle-efJe¬eÀ³e $eÝCe iegCeJeÊee hej Gef®ele peeb®e kesÀ meeLe, yeiewj efkeÀmeer Ye³e kesÀ $eÝCe mecyebOeer
keÀuee SJeb efJeefMeä efye¬eÀer keÀuee hej Yeer efveYe&j keÀjsieer. efveCe&³eeW keÀes he´eslmeeefnle keÀjves kesÀ efueS hetJe&-mebefJelejCe meceer#ee leb$e keÀer
ue#³eebefkeÀle ie´enkeÀeW keÀer peªjleeW kesÀ Devegmeej, efJeÐeceeve Kegoje GlheeoeW keÀes Meg©Deele keÀer nw.
³egefÊeÀ³egÊeÀ yeveeves kesÀ efueS Deewj ve kesÀJeue ie´enkeÀeW keÀer meblegeqä keÀes yeæ{eves kesÀ » 360 ef[ie´er cetu³eebkeÀve kesÀ meeLe, ueW[mesHeÀ huesìHeÀe@ce& keÀes Deheveeles ngS, $eÝCe
efueS; yeequkeÀ Fmes Deieues mlej ³eeveer ie´enkeÀeW keÀer he´meVelee yeæ{eves kesÀ efueS yeQkeÀ he´mebmkeÀjCe Deewj he´ef¬eÀ³ee keÀe ceevekeÀerkeÀjCe Deewj mJe®eeueve.
ueieeleej mecegef®ele mece³e meercee ceW hetje keÀjves nsleg DevegmebOeeve SJeb veS efJekeÀeme » he´efleJele&ve mece³e (`ìve& DejeGb[ ìeFce’) keÀes keÀce keÀjves kesÀ efueS efJeefYeVe
keÀer he´ef¬eÀ³ee ceW melele ueies nQ. ³eespeveeDeeW kesÀ lenle MeeKee he´yebOekeÀeW keÀer GOeej MeefÊeÀ ceW Je=ef×.
» efJeMes<e DeJemejeW hej efJeMes<e DeefYe³eeve Megª keÀjvee DeLee&le efjìsue cee@vemetve ieþpeesæ[ yeæ{e³ee ie³ee.
pewkeÀhee@ì, DeekeÀ<e&keÀ Dee@]HeÀj, pewmes he´esmeseEmeie MegukeÀ keÀer hetCe& ítì kesÀ meeLe » Kegoje $eÝCe ³eespeveeDeeW keÀes DeefOekeÀ megefJeOeepevekeÀ, he´eflemheOeea Deewj ie´enkeÀ
efjìsue HesÀeqmìJe yeesveev]pee DeefYe³eeve. kesÀ DevegketÀue yeveeves kesÀ efueS efJeefYeVe Kegoje $eÝCe ³eespeveeDeeW keÀer meceer#ee
» efjìsue Deewj SceSmeSceF& $eÝCeeW kesÀ efueS, SkeÀ meceie´ [erSmeS veerefle keÀes ueeiet keÀer.
keÀjles ngS, SmeSceSme Deewj efcem[ keÀe@ue keÀe³e&#ecelee kesÀ ceeO³ece mes ueer[ » Yeejleer³e efj]peJe& yeQkeÀ Üeje efoveebkeÀ 05.11.2020 keÀes heefj®eeefuele
pevejsMeve nsleg ñeesle mJeªhe ®ewveue peesæ[vee. keÀes-ueWeE[ie J³eJemLeeDeeW hej mebMeesefOele efoMeeefveoxMeeW kesÀ meeLe, efpemeceW
» [erSmeS/efJeheCeve keÀe³e&heeuekeÀeW (JnerkeÀue) keÀes Deewj DeefOekeÀ hewveue ceW S®eSHeÀmeer keÀes keÀes-Dee@efjefpevesMeve kesÀ efueS hee$e yevee³ee ie³ee Deewj cee@[ue
Meeefceue keÀjles ngS, efJeÐeceeve meese\meie ®ewveueeW keÀes cepeyetle efkeÀ³ee nw Deewj keÀes keÀes-ueWeE[ie cee@[ue kesÀ ªhe ceW efHeÀj mes veeefcele efkeÀ³ee ie³ee, yeQkeÀ ves
jCeefveleer
efJeheCeve DeefOekeÀeefj³eeW (JnerkeÀue) keÀes os³e keÀceerMeve keÀer meceer#ee keÀer nw. 02 SveyeerSHeÀmeer DeLee&led DeeF&yeerS®eSHeÀSue (Fbef[³eeyegume nesce HeÀeFveWme
» jsje Devegceesefole heefj³eespeveeDeeW kesÀ meeLe efyeu[jeW / keÀe@ueesveeFpejeW kesÀ meeLe efueefceìs[) Deewj DeeF&DeeF&SHeÀSue (Fbef[³ee FbHeÀesueeFve HeÀeFveWme efueefceìs[)
kesÀ meeLe keÀes-ueWeE[ie nsleg keÀjej efkeÀ³ee leLee keÀes-ueWeE[ie Megª keÀer.
met®evee
140000
120000
100000
80000
60000
40000
efjheesì&
20000 Kegoje $eÝCe
Retail (J³eef(personal
Credit keÌleiele $eÝCe Loan
mesieceWìSegment)
)
0 kegÀue $eÝCe
Total Credit
31.03.21 31.03.22
50000
खुदरा ऋण में खं डवार वृद्धि
45000 efJeÊeer³e
40000
35000
25000
20000
15000
10000
5000
0
³eespeveeieleRetail
Schematic KegojeLending
$eÝCe Dev³eP-Segment
Other Heer-mesieceWì kegÀueRetail
Total KegojeAdvance
Deefie´ce
FY 2020-21 FY 2021-22
Jeeef<e&keÀ efjheesì& 2021-22 85
ÒeyebOekeÀer³e ®e®ee& SJeb efJeMues<eCe
peejer
रा�श करोड़ म�
प� शनर� को
ऋण ₹ 1159
करोड़ (40%)
तरल
प्र�तभ�ू तय�
पर ऋण ₹
1942 करोड़
(38%)
अन्य को
ऋण ₹
1704 करोड़
(60%)
स्टाफ ऋण
₹ 3131 करोड़
(62%)
Kegoje $eÝCe nsleg YeeJeer keÀe³e&veerefle : » yeQkeÀ, ®eej heefn³ee Jeenve Keb[ ceW $eÝCe osves nsleg he´cegKe ®eej heefn³ee keÀej
³en Dehesef#ele nw efkeÀ efJeÊe Je<e& 2021-22 kesÀ meceeve ner Kegoje Deefie´ceeW ceW efvecee&Ce kebÀheefve³eeW kesÀ meeLe menceefle %eeheve Yeer keÀjsiee. yeQkeÀ ves Fme efoMee ceW
Je=ef× nesieer. efJeYeeie ves efJeÊe Je<e& 2021-22 ceW Oeerceer Kegoje Je=ef× kesÀ mebyebOe cewmeme& cee©efle megpegkeÀer efueefceìs[ kesÀ meeLe henues ner menceefle %eeheve efkeÀ³ee
ceW Devlej keÀe efJeMues<eCe efkeÀ³ee SJeb Fme efJeÊe Je<e& 2022-23 ceW Je=ef× keÀer nw leLee Deie´Ceer keÀej efvecee&Ce kebÀheefve³eeW kesÀ meeLe menceefle %eeheve keÀjves kesÀ
megiecelee nsleg FmekeÀe efvejekeÀjCe efkeÀ³ee ie³ee. leovegmeej, ve kesÀJeue nceejs GVele ®ejCe ceW nw.
HeÀeru[ kesÀ heoeefOekeÀeefj³eeW keÀes meceeve DeJemej he´oeve keÀjves kesÀ efueS, yeequkeÀ » efHeÀveìskeÀ kebÀheefve³eeW kesÀ meeLe ìeF&-Dehe :- yeQkeÀ ef[efpeìue huesìHeÀe@ce& kesÀ
³en Yeer megefveeq½ele keÀjves nsleg efvecveefueefKele keÀoce GþeS ieS nQ efkeÀ nceejs yeQkeÀ ceeO³ece mes efjìsue Smesì ceW $eÝCe osves keÀer efoMee ceW keÀoce yeæ{eles ng³es,
kesÀ Kegoje $eÝCe heesì&HeÀesefue³ees ceW Je=ef×, Dev³e yeQkeÀeW kesÀ Kegoje heesì&HeÀesefue³ees keÀer efHeÀveìskeÀ kebÀheefve³eeW kesÀ meeLe mechetCe& SkeÀerkeÀjCe DeejbYe keÀjsiee. Fme ¬eÀce
Je=ef× kesÀ Devegªhe nes. ceW, yeQkeÀ ®eej heefn³ee JeenveeW kesÀ efueS Debeflece Ghe³eesiekeÀlee&DeeW keÀes $eÝCe
osves nsleg ®eej heefn³ee Keb[ ceW Deie´Ceer efHeÀveìskeÀ kebÀheveer ceW mes SkeÀ kesÀ meeLe
» mebMeesefOele DeeJeeme $eÝCe Glheeo: - DeeJeeme $eÝCe Glheeo hej hegveë efJe®eej menceefle %eeheve ceW he´efJeä nesves keÀer he´ef¬eÀ³ee ceW nw.
efkeÀ³ee ie³ee nw SJeb ³eespevee keÀes Deewj DeefOekeÀ DeekeÀ<e&keÀ yeveeves nsleg mecekeÀ#e
yeQkeÀeW kesÀ Devegªhe mebMeesOeve efkeÀS ieS nQ. » yeQkeÀ, efJeefYeVe jep³e mejkeÀej / keWÀê mejkeÀej kesÀ efJeYeeieeW / mebmLeeveeW
/ Deeefo kesÀ meeLe, Fve mebmLeeveeW kesÀ keÀce&®eeefj³eeW keÀes $eÝCe osves nsleg
» Dev³e Kegoje GlheeoeW keÀes DeekeÀ<e&keÀ efJeMes<eleeDeeW SJeb y³eepe oj DeeJeM³ekeÀleevegªhe Kegoje heefjmebheefÊe Glheeo kesÀ efueS ieþpeesæ[ nsleg Yeer
(DeejDeesDeeF&) kesÀ meeLe ve³ee ªhe efo³ee ie³ee nw. he´YeeJeMeeueer {bie mes Deeies yeæ{ jne nw.
» J³eJemee³e Depe&ve nsleg [erSmeS ®ewveue keÀes SkeÀ DeefleefjÊeÀ ceb®e kesÀ ªhe ceW » yeQkeÀ, efjìsue Smesì GlheeoeW keÀer ¬eÀe@me-mesue SJeb Dehemesue kesÀ efueS ie´enkeÀeW/
he´YeeJeMeeueer {bie mes Ghe³eesie efkeÀ³ee peeSiee. FmekesÀ DeueeJee, yeQkeÀ Deeieeceer keÀe@heexjsì ie´enkeÀeW kesÀ meeLe Deheves efJeÐeceeve mebyebOeeW keÀe ueeYe GþeSiee.
heefj³eespeveeDeeW ceW DeeJeeme $eÝCe nsleg he´efleeqÿle efyeu[jeW kesÀ meeLe ieþpeesæ[
keÀjsiee. » yeQkeÀ ves Deheves efJeÐeceeve ie´enkeÀeW keÀes Kegoje heefjmebheefÊe GlheeoeW kesÀ ¬eÀe@me
mesue SJeb Dehemesue nsleg [sìe ceeFeEveie keÀe keÀe³e& efkeÀ³ee nw .
» yeQkeÀ ef[efpeìue heesì&ueeW ceW nceejs yeQkeÀ keÀer GheueyOelee megefveeq½ele keÀj jne nw. Yeejleer³e efj]peJe& yeQkeÀ kesÀ he´efleYetefle³eeW kesÀ mLeeveeblejCe mebyebOeer efoMeeefveoxMeeW kesÀ
» he´efleeqÿle efyeu[jeW kesÀ meeLe ìeF&-Dehe : yeQkeÀ mebhetCe& Yeejle ceW he´cegKe Devegheeueve ceW, yeQkeÀ ves Je<e& 2021-22 kesÀ oewjeve keWÀê Deewj jep³e mejkeÀej keÀer
he´efleeqÿle efyeu[jeW kesÀ meeLe ìeF&-Dehe keÀjves keÀer he´ef¬eÀ³ee ceW nw. he´efleYetefle³eeW keÀes SSHeÀSme mes S®eìerSce ceW ` 5702 keÀjesæ[ SJeb S®eìerSce mes
SSHeÀSme ceW ` 6156 keÀjesæ[ keÀer jeefMe nmleebleefjle keÀer nw.
» [sìe SveeefueefìkeÌme: yeQkeÀ henues mes ner efJeÐeceeve ie´enkeÀ DeeOeej kesÀ
[sìe SveeefueefìkeÌme kesÀ ceeO³ece mes ueer[ GlheVe keÀj jne nw leLee [sìe 31 cee®e& 2022 keÀes yeQkeÀ kesÀ efveJesMe heesì&HeÀesefue³ees keÀer mebj®evee Fme he´keÀej nw:
SveeefueefìkeÌme ceW Deewj DeefOekeÀ DeJemej Keespesiee.
» keWÀê SJeb jep³e mejkeÀej kesÀ efJeYeeieeW kesÀ meeLe ìeF&-Dehe : yeQkeÀ, SkeÀ hewkesÀpe (`keÀjesæ[ ces)
kesÀ Debleie&le DeeJeM³ekeÀleevegªhe GlheeoeW SJeb mesJeeDeeW keÀe SkeÀ mecetn he´mlegle ¬eÀ. mebefceÞe 31.03.2022 31.03.2021
jCeefveleer
keÀjves nsleg keWÀê SJeb jep³e mejkeÀej kesÀ DeefOekeÀeefj³eeW kesÀ meeLe Kegoje $eÝCe 1 SmeSueDeej 105841.66 110414.28
ìeF&-Dehe hej he´YeeJeMeeueer {bie mes O³eeve os jne nw. 2 iewj SmeSueDeej 40917.60 43405.78
Debleje&ä^er³e he´Yeeie: kegÀue 146759.26 153820.06
yeQkeÀ keÀe efJeosMeer cegêe keÀejesyeej osMe Yej ceW HewÀueer 62 DeefOeke=Àle [eruej (‘yeer’
ÞesCeer) MeeKeeDeeW kesÀ ceeO³ece mes efkeÀ³ee peelee nw. heefj®eeueve o#elee kesÀ efueS, peesefKece he´yebOeve
yeQkeÀ kesÀ heeme yesnlej HebÀ[ he´yebOeve SJeb heefj®eeueve megefJeOee he´ehle keÀjves nsleg cegbyeF& peesefKece he´yebOeve he´Ceeueer SJeb mebieþveelcekeÀ {eb®ee
ceW SkeÀ keWÀêerke=Àle [ereEueie ªce nw. yeQkeÀ ceW Deye peesefKece he´yebOeve he´Ceeueer megJ³eJeeqmLele ªhe mes mLeeefhele nw.
met®evee
efoveebkeÀ 31.03.2021keÀes `4446 keÀjesæ[ keÀer leguevee ceW 31.03.2022 efveosMekeÀ ceb[ue keÀer peesefKece he´yebOeve meefceefle efve³eefcele ªhe mes $eÝCe, yeepeej
lekeÀ yeQkeÀ keÀe efve³ee&le $eÝCe heesì&HeÀesefue³ees `.4389 keÀjesæ[ nw, pees efJeiele Je<e& SJeb heefj®eeueve peesefKece Deewj mlebYe II peesefKeceeW kesÀ Debleie&le yeQkeÀ keÀer peesefKece
mes 1.28% keÀce jne. ce®eXì ì^s[ HeÀe@jsve SkeÌme®eWpe ìve&DeesJej efJeÊe Je<e& 2020- he´yebOeve veerefle³eeW / he´LeeDeeW keÀer efveiejeveer keÀjleer nw. meefceefle GlheeoeW kesÀ cetu³e
21 ceW `27377 keÀjesæ[ kesÀ efJe©×, efJeÊe Je<e& 2021-22 ceW ` 34715 efveOee&jCe nsleg veerefle³eeW SJeb he´ef¬eÀ³eeDeeW keÀer meceer#ee keÀjleer nw leLee peesefKece cee@
keÀjesæ[ Lee, pees efJeiele Je<e& mes 26.80 % keÀer Je=ef× oMee&lee nw. [ue keÀe DeekeÀueve keÀjleer nw leeefkeÀ yeepeej kesÀ efJekeÀeme kesÀ meeLe leeuecesue
efyeþe³ee pee mekesÀ SJeb veS peesefKeceeW keÀer hen®eeve Deewj efve³eb$eCe Yeer efkeÀ³ee pee
SveDeejF& pecee³eW 31.03.2021 kesÀ ` 5416 keÀjesæ[ mes yeæ{keÀj 31.03.2022 mekesÀ. meefceefle efve³eefcele ªhe mes keÀe@heexjsì mlej hej mebyeeqvOele efJeYeeieeW Üeje
keÀes ` 5448 keÀjesæ[ nes ie³ee, pees efJeiele Je<e& mes 0.59% keÀer Je=ef× oMee&lee efJeefYeVe peesefKece ceeheoC[eW kesÀ Devegheeueve keÀer efveiejeveer keÀjleer nw.
nw. SHeÀmeerSveDeej pecee³eW 31.03.2021 keÀes 230.54 efceefue³eve DecejerkeÀer
efjheesì&
[e@uej mes IeìkeÀj 31.03.2022 keÀes 226.24 efceefue³eve DecejerkeÀer [e@uej peesefKece he´yebOeve mebj®evee
nes ie³ee, pees efJeiele Je<e& mes 1.86% keÀce nw. heefj®eeueve mlej hej, Meer<e& he´yebOeve ìerce kesÀ meom³eeW keÀes Meeefceue keÀjles ngS ,
yeepeej peesefKece nsleg heefjmebheefÊe os³elee he´yebOeve meefceefle (SSuemeerDees), $eÝCe
ì^spejer, efveefOe SJeb efveJesMe: peesefKece nsleg $eÝCe peesefKece he´yebOeve meefceefle (meerDeejScemeer) SJeb heefj®eeueve nsleg
heefj®eeueve peesefKece he´yebOeve meefceefle (DeesDeejScemeer) pewmeer efJeefYeVe meefceefle³eeW
yeQkeÀ keÀe efveJesMe heesì&HeÀesefue³ees 31 cee®e& 2021 keÀes `153820 keÀjesæ[ keÀer
keÀe ieþve efkeÀ³ee ie³ee nw. ³es meefceefle³eeb yeQkeÀ kesÀ efJeefYeVe heefj®eeueveeW kesÀ
leguevee ceW 31 cee®e& 2022 keÀes IeìkeÀj `146759 keÀjesæ[ (iewj-SmeSueDeej,
Debleie&le peesefKece kesÀ mlej keÀe DeekeÀueve SJeb efveiejeveer keÀjves nsleg Je<e& kesÀ oewjeve
iewj-nmleeblejCeer³e Yeejle mejkeÀej kesÀ hegvehet¥peerkeÀjCe yeeb[ `19580 keÀjesæ[
efve³eefcele Deblejeue hej yewþkeÀ keÀjleer nQ leLee DeeJeM³ekeÀleeveg©he Gef®ele peesefKece
meefnle) nes ie³ee nw, efpemekesÀ keÀejCe FmeceW efJeiele Je<e& keÀer leguevee ceW 4.59%
v³etveerkeÀjCe kesÀ Ghee³e ueeiet keÀjleer nw.
efJeÊeer³e
keÀer keÀceer ope& keÀer ieF& nw. ome Je<eea³e yeW®eceeke&À he´efleHeÀue 31 cee®e& 2021 kesÀ
6.18% keÀer leguevee ceW 31 cee®e& 2022 keÀes 6.84% hej yebo ngDee. yeQkeÀ ves meYeer #es$eer³e/Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW cegK³e he´yebOekeÀ /Jeefjÿ
he´yebOekeÀ/he´yebOekeÀ ÞesCeer kesÀ DeefOekeÀefj³eeW keÀes ‘peesefKece he´yebOekeÀ’ kesÀ leewj hej
Je<e& kesÀ oewjeve Yeejleer³e efjpeJe& yeQkeÀ ves jshees oj keÀes 4% hej jKeles ngS
DeefYeef®eeqvnle efkeÀ³ee nw. ³en peesefKece he´yebOekeÀ Deeb®eefuekeÀ mlej hej keWÀêer³e
veerefleiele oj keÀes DeheefjJee|lele jKee nw. yeQkeÀ oj SJeb meerceeble mLee³eer megefJeOee
keÀe³ee&ue³e kesÀ peesefKece he´yebOeve efJeYeeie kesÀ ‘efJemleeefjle Yeeie’ kesÀ ªhe ceW keÀe³e&
Yeer 4.25% hej DeheefjJee|lele jner nw.
keÀjles nQ. yeQkeÀ ves keWÀêer³e keÀe³ee&ue³e kesÀ efJeefYeVe keÀe³ee&lcekeÀ efJeYeeieeW ceW Jeefjÿ
efheíues Je<e& kesÀ ì^seE[ie ueeYe `1380.63 keÀjesæ[ keÀer leguevee ceW efJeÊeer³e Je<e& ÞesCeer kesÀ DeefOekeÀejer Yeer DeefYeef®eeqvnle efkeÀS nQ pees efkeÀ yeQkeÀ ceW peesefKece kesÀ
2021-22 ceW ì^spejer ves ` 491.00 keÀjesæ[ keÀe ì^seE[ie ueeYe ope& efkeÀ³ee. efve³eb$eCe Deewj he´yebOeve kesÀ efJeefYeVe henuegDeeW keÀes osKeves nsleg ‘vees[ue DeefOekeÀejer’
efveJesMe hej he´efleHeÀue (ì^seE[ie ueeYe kesÀ DeueeJee) Je<e& 2020-21 kesÀ 6.63 % kesÀ ªhe ceW keÀe³e& keÀjles nQ. yeQkeÀ kesÀ heeme SkeÀ yesnlej he´uesefKele SkeÀerke=Àle
mes IeìkeÀj Je<e& 2021-22 kesÀ oewjeve 6.27% nes ie³ee. peesefKece he´yebOeve veerefle nw.
yeepeej peesefKece he´yebOeve veF& Glheeo Devegceesove veerefle He´sÀceJeke&À ueeF& ieF& nw pees efkeÀ veS GlheeoeW /
ceO³emLe keÀe³ee&ue³e, yeepeej keÀer eqmLeefle Deewj efJeÊe hees<eCe kesÀ mJeªhe keÀer he´ef¬eÀ³eeDeeW DeLeJee ieefleefJeefOe³eeW mes mebyebefOele peesefKeceeW keÀes keÀce keÀjves ceW yeQkeÀ
keÀe ceeie&oMe&ve keÀjleer nw.
meceer#ee keÀjlee nw SJeb DeJemej, DeJeefOe, he´eflehe#ekeÀej meerceeDeeW leLee efJeefYeVe
mebJesoveMeerue ceeheob[eW kesÀ Devegmeej Devegheeueve keÀes megefveeq½ele keÀjlee nw Deewj yeQkeÀ kesÀ J³eJemee³e efvejblejlee GÎsM³eeW kesÀ Devegªhe yeQkeÀ kesÀ heeme J³eJemee³e
efve³eefcele Deblejeue hej Meer<e& he´yebOeve keÀes efjheesì& he´mlegle keÀjlee nw. efvejblejlee ³eespevee nw, pees efve³eefcele meb®eeueve kesÀ J³eJeOeeve kesÀ oewjeve
hetJe&efveOee&efjle #ecelee hej mJeerkeÀe³e& mece³e meercee kesÀ Yeerlej GlheeoeW Deewj mesJeeDeeW
DeuheeefJeefOe ceW, yeQkeÀ kesÀ ueeYe SJeb oerIe&efJeefOe ceW FeqkeÌJeìer cetu³e kesÀ peesefKece keÀes keÀer ef[ueerJejer peejer jKeves nsleg yeQkeÀ kesÀ efueS ªhejsKee lew³eej keÀjleer nw, peesefkeÀ
J³eJeOeeve keÀes otj keÀjves leLee GlheeoeW SJeb mesJeeDeeW keÀer ef[ueerJejer hegveë DeejbYe
ceeheves Deewj he´yebefOele keÀjves nsleg JeerSDeej SJeb DeJeefOe Deblejeue efJeMues<eCe pewmes keÀjves, hegvehe´e&hle keÀjves Deewj hegvemLee&efhele keÀjves nsleg heefj®eeueve he´ef¬eÀ³ee keÀe
ìtue keÀe Ghe³eesie efvejblej DeeOeej hej efkeÀ³ee peelee nw. ì^seE[ie heesì&HeÀesefue³ees hej ceeie&oMe&ve keÀjleer nw.
efvejblej DeeOeej hej hetbpeer he´Yeej keÀe Devegceeve ueieeves nsleg SkeÀ cee@[ue efJekeÀefmele
efkeÀ³ee ie³ee nw SJeb yeepeej peesefKece nsleg yesmeue III efoMeeefveoxMeeW kesÀ Devegmeej Fmes yeQkeÀ ves heefj®eeueve peesefKece nsleg SkeÀerke=Àle peesefKece he´yebOeve meceeOeeve
(DeeF&DeejSceSme) kesÀ Debleie&le DeeF&SceSce cee@[îetue (Fbmeer[Wì cewvespeceWì
ueeiet efkeÀ³ee ie³ee nw. cee@[îetue) ceW uee@me FJeWì [sìe SJeb efve³ej efceme FJeWìdme kesÀ mebie´n kesÀ efueS
J³eJemLee yeveeF& nw. heefj®eeueveelcekeÀ peesefKece he´yebOeve ceW efJekeÀeme keÀer efjheesì&
heesì&HeÀesefue³ees ceW yeepeej peesefKece keÀer efveiejeveer nsleg yeQkeÀ kesÀ heeme yees[& Üeje SJeb efveiejeveer, he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀer DeO³e#elee
Devegceesefole yeepeej peesefKece he´yebOeve veerefle nw. ì^spejer heefj®eeueve kesÀ efueS he´eflehe#e Jeeueer heefj®eeueve peesefKece he´yebOeve meefceefle Üeje keÀer peeleer nw.
heee|ì³eeW keÀes meerceeSB mecekeÀ#eeW keÀes veJeervelece, peesefKece menye×lee keÀer eqmLeefle
hetbpeer efve³eespeve
kesÀ Devegmeej efveOee&efjle/mecesef#ele keÀer ieF& nw. yeepeej peesefKece ceW ng³es efJekeÀeme
yeQkeÀ kesÀ heeme meg¢{ DeeF&meerSSheer (DeebleefjkeÀ hetbpeer he³ee&hlelee cetu³eebkeÀve
keÀer efjheesì& keÀer peeleer nw Deewj he´yebOe efveosMekeÀ SJeb meerF&Dees keÀer DeO³e#elee Jeeueer he´ef¬eÀ³ee) veerefle nw. yeQkeÀ ves peesefKece DeefYeuee<eer {eB®ee lew³eej efkeÀ³ee nw SJeb yesmeue
heefjmebheefÊe Deewj os³elee meefceefle Üeje FmekeÀer efveiejeveer keÀer peeleer nw. III ceeveob[eW keÀer v³etvelece DeeJeM³ekeÀleeDeeW mes DeefOekeÀ hetbpeer Devegheele jKeves keÀe
he´³eespeve jKelee nw. hetbpeer kesÀ he´efle Devegceeve keÀer meceer#ee efleceener DeeOeej hej
$eÝCe peesefKece he´yebOeve keÀer peeleer nw.
yeQkeÀ ves efJeefYeVe cee@[ueeW kesÀ Debleie&le GOeejkeÀlee&DeeW keÀer jseEìie nsleg jseEìie cee@ Deeeqmle SJeb os³elee he´yebOeve he×efle³eeB
[ue mLeeefhele efkeÀ³ee nw pewmes yeæ[s keÀe@heexjsì cee@[ue, FbHe´Àemì^keÌ®ej cee@[ue, SSueSce cegK³e ªhe mes ueeYe keÀes DeefOekeÀlece keÀjves kesÀ GÎsM³e mes yeQkeÀ keÀer
SveyeerSHeÀmeer, SmeSceF&, ke=Àef<e Fl³eeefo. yeQkeÀ ves efjìsue $eÝCe kesÀ ie´seE[ie kesÀ efueS lejuelee SJeb y³eepe oj peesefKece keÀes ceeheves Deewj FmekeÀe he´yebOe keÀjves mes mebyebefOele
jseEìie cee@[ue (mkeÀesj keÀe[&) efJekeÀefmele efkeÀS nw leLee FvekeÀe Ghe³eesie efkeÀ³ee nw. SSuemeerDees (Deeefmle SJeb os³elee meefceefle) keÀer efve³eefcele ªhe mes yewþkeÀ nesleer
pee jne nw. $eÝCe peesefKece he´yebOeve keÀer ieefleefJeefOe³eeW keÀer efjheese\ìie SJeb efveiejeveer nw SJeb efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve lejuelee Deewj Dev³e yeepeej mes
mebyebefOele ceeceueeW kesÀ mebyebOe ceW yeQkeÀ keÀer eqmLeefle keÀer meceer#ee keÀjves kesÀ efueS 19
he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀer DeO³e#elee Jeeueer $eÝCe yeej yewþkeWÀ keÀer ieF&.
peesefKece he´yebOeve meefceefle Üeje keÀer peeleer nw. yeQkeÀ ves SmeSSme meceeOeeve keÀe
Ghe³eesie keÀjles ngS hetbpeer ieCevee kesÀ GVele lejerkeÀeW keÀe keÀe³ee&vJe³eve hetje keÀj efJeefve³eecekeÀ efjheese\ìie kesÀ DeueeJee, SSueSce peceejeefMe³eeW kesÀ meeLe-meeLe
efue³ee nw. DeeOeej oj, ScemeerSueDeej, DeejyeerSueDeej Deewj F&yeerSueDeej efve³eleve hej
y³eepe efveOee&jCe kesÀ keÀe³e& mes Yeer mebyebefOele nw. Je<e& 2021-22 kesÀ oewjeve, pecee
heefj®eeueveelcekeÀ peesefKece he´yebOeve y³eepe ojeW ceW ín (6) yeej mebMeesOeve efkeÀ³es ie³es, DeeOeej oj keÀer ®eej (04)
yeej meceer#ee keÀer ieF&, DeejyeerSueDeej SJeb F&yeerSueDeej keÀer ín (6) yeej
yeQkeÀ ceW heefj®eeueveelcekeÀ peesefKece he´yebOeve, yees[& Üeje Devegceesefole heefj®eeueveelcekeÀ meceer#ee keÀer ieF& leLee ScemeerSueDeej keÀer yeejn (12) yeej meceer#ee keÀer ieF&.
peesefKece he´yebOeve veerefle Üeje efveoxefMele neslee nw. Fme veerefle ceW yeQkeÀ keÀer peesefKece
he´esHeÀeFue Deewj peesefKece Gþeves keÀer #ecelee kesÀ Devegªhe J³eehekeÀ heefj®eeueveelcekeÀ Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej, yeQkeÀ SuemeerDeej (lejuelee
peesefKece he´yebOeve SJeb ceeheve {eb®ee lew³eej efkeÀ³ee ie³ee nw. keÀJejspe Devegheele) keÀer ieCevee keÀjlee jne nw SJeb Devegheele Yeejleer³e efj]peJe& yeQkeÀ
Üeje efveOee&efjle Le´sMeesu[ meercee (DeLee&le efJeÊeer³e Je<e& 2021-22 nsleg 100%)
heefj®eeueveelcekeÀ peesefKece he´yebOeve meefceefle (DeesDeejScemeer) megefveeq½ele keÀjleer nw mes Thej jne nw. yeQkeÀ kesÀ heeme efJeÊe Je<e& 2021-22 nsleg 360.81% hej
efkeÀ Gef®ele heefj®eeueve peesefKece he´yebOeve He´sÀceJeke&À ceewpeto nw SJeb FmekeÀer efve³eefcele Deewmele SuemeerDeej kesÀ meeLe he³ee&hle lejuelee Leer. yeQkeÀ 1 DekeÌìtyej 2021 mes
DeeOeej hej efveiejeveer keÀer peeleer nw. heefj®eeueveelcekeÀ peesefKece he´yebOeve meefceefle he´YeeJeer SveSmeS]HeÀDeej (efveJeue eqmLej efveOeer³eve Devegheele) keÀer ieCevee Yeer keÀj
peesefKece keÀer hen®eeve, cetu³eebkeÀve Deewj efjheese\ìie efJeefOe³eeW meefnle heefj®eeueve jne nw SJeb ³en Devegheele Yeejleer³e efj]peJe& yeQkeÀ Üeje efveOee&efjle Le´sMeesu[ meercee
peesefKece he×efle³eeW SJeb GhekeÀjCeeW kesÀ efJekeÀeme leLee keÀe³ee&vJe³eve keÀer meceer#ee (DeLee&le 2021-22 kesÀ efueS 100%) mes Thej yevee ngDee nw. Jele&ceeve ceW 31
Deewj Devegceesove Yeer keÀjleer nw. OeesKeeOeæ[er keÀe efJeMues<eCe, efve³ej efceme FJeWì, cee®e& keÀes SveSmeSHeÀDeej 168.67% nw.
iewj-Devegheeueve IeìveeSb, GuuebIeve, heefj®eeueve peesefKece kesÀ he´yebOeve nsleg Ghe³egÊeÀ
efve³eb$eCe/Meceve keÀe mebkesÀle osves Jeeues he´Ceeueeriele megOeej Yeer meefceefle keÀes he´mlegle yeQkeÀ keÀer lejuelee SJeb y³eepe oj peesefKece kesÀ he´yebOeve ceW ng³es efJekeÀeme keÀer efjheesì&
efkeÀS peeles nQ. SJeb efveiejeveer, he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer keÀer DeO³e#elee
Jeeueer Deeefmle SJeb os³elee meefceefle Üeje keÀer peeleer nw.
yesmeue III kesÀ efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve 1. Je<e& kesÀ oewjeve yeQkeÀ ves `13 keÀjesæ[ keÀer vekeÀo Jemetueer kesÀ meeLe, 100%
Yeejleer³e efjpeJe& yeQkeÀ ves pegueeF&, 2015 ceW veS hetbpeer he³ee&hlelee {eb®es kesÀ vekeÀo DeeOeej hej eqmJeme ®ewueWpe he×efle kesÀ Devleie&le SDeejmeer keÀes SkeÀ
keÀe³ee&vJe³eve hej DeÐeleve ceemìj heefjhe$e peejer efkeÀ³ee nw. Fve efoMeeefveoxMeeW kesÀ SveheerS Keeles keÀer efye¬eÀer keÀer nw, efpemekesÀ heefjCeecemJeªhe SveheerS ceW `42
Devegmeej, yeQkeÀ ves yesmeue III Dehevee³ee nw leLee $eÝCe peesefKece nsleg ceevekeÀerke=Àle keÀjesæ[ keÀer keÀceer DeeF& nw.
¢eqäkeÀesCe, heefj®eeueveelcekeÀ peesefKece kesÀ efueS cetue mebkesÀlekeÀ ¢eqäkeÀesCe Deewj
yeepeej peesefKece nsleg ceevekeÀerkeÀjCe DeJeefOe he×efle kesÀ DeeOeej hej hetbpeer keÀe 2. Yeejleer³e efj]peJe& yeQkeÀ kesÀ heefjhe$e efoveebkeÀ 07.06.2019 kesÀ efoMeeefveoxMeeW
he´eJeOeeve efkeÀ³ee nw. kesÀ Devegmeej `1500 keÀjesæ[ ³ee Gmemes DeefOekeÀ kesÀ yeQeEkeÀie SkeÌmeheespej
Jeeues KeeleeW kesÀ efueS DeeF&meerS hej nmlee#eefjle efkeÀ³ee ie³ee.
meYeer DeeJeM³ekeÀ veerefle³eeb pewmes $eÝCe peesefKece he´yebOeve veerefle, heefj®eeueve peesefKece
he´yebOeve veerefle, yeepeej peesefKece he´yebOeve veerefle, $eÝCe peesefKece efvejekeÀjCe, KeeleeW keÀer efoveebkeÀ 31.03.2022 keÀes efkeÀ³ee ie³ee kegÀue
jCeefveleer
mebheee|éekeÀ he´yebOeve veerefle, Deeefmle SJeb os³elee he´yebOeve veerefle, cee@[ue peesefKece mebK³ee yekeÀe³ee jeefMe he´eJeOeeve
veerefle, Dee@[ue mel³eeheve veerefle, $eÝCe meceer#ee veerefle, Debleme&cetn uesveosve
SJeb SkeÌmeheespej veerefle, SkeÀerke=Àle peesefKece he´yebOeve veerefle, yeermeerheer veerefle, 20 ` 7609.46 keÀjesæ[ ` 5583.90 keÀjesæ[
DeeF&meerSSheer Fl³eeefo yees[& Üeje efJeefOeJele Devegceesefole nw. 3. Yeejleer³e efjpeJe& yeQkeÀ heefjhe$e efoveebkeÀ 07.06.2019 kesÀ Devegheeueve nsleg
mewce (SmeSSce) SJeb Jemetueer efJeYeeie KeeleeW ceW mebkeÀuhe ³eespevee³eW Devegceesefole Deewj keÀe³ee&eqvJele keÀer ieF¥ nw.
yeQkeÀ kesÀ heeme SkeÀ megheefjYeeef<ele Jemetueer veerefle nw efpemeceW SveheerS he´yebOeve kesÀ KeeleeW keÀer efoveebkeÀ 31.03.2022 keÀes efkeÀ³ee ie³ee kegÀue
efJemle=le efoMeeefveoxMe efo³es ie³es nQ. FmeceW SveheerS he´yebOeve kesÀ meYeer #es$e efveiejeveer, mebK³ee yekeÀe³ee jeefMe he´eJeOeeve
DevegJeleea Ghee³e, mecePeewlee efveheìeve, mejHesÀmeer DeefOeefve³ece, he´Jele&ve SpeWefme³eeW
keÀer efve³egefÊeÀ, eqmJeme ®ewueWpe he×efle mes SDeejmeer keÀes Deeeqmle³eeW keÀer efye¬eÀer, 7 ` 2457.99 keÀjesæ[ ` 936.87 keÀjesæ[
Fjeoleve ®etkeÀkeÀlee& Deeefo Meeefceue nQ.
met®evee
4. Je<e& 2021-22 kesÀ oewjeve, SveheerS KeeleeW ceW Jemetueer SkeÀ cenlJehetCe& #es$e
DeLe&J³eJemLee ceW ng³es veJeervelece heefjJele&ve/efJekeÀeme Deewj SveheerS meceeOeeve/ Lee. SveheerS keÀer ieefleefJeefOe³eeW hej owefvekeÀ DeeOeej hej melele DevegJele&ve
he´yebOeve keÀer he´Je=efÊe³eeW keÀes Meeefceue keÀjves kesÀ efueS mece³e-mece³e hej veerefle keÀer efkeÀ³ee ie³ee nw. keÀevetveer keÀej&JeeF³eeW Deewj mejHesÀmeer kesÀ ceeO³ece mes SveheerS
meceer#ee keÀer peeleer nw. yeQkeÀ ves efJeÊeer³e Je<e& kesÀ oewjeve Jemetueer DeefYe³eeve ®euee³es
nQ . KeeleeW ceW Jemetueer keÀer mece³e-mece³e hej Deewj ceeefmekeÀ ªhe mes HeÀeru[
heoeefOekeÀeefj³eeW kesÀ meeLe Jeeref[³ees keÀe@vHe´WÀme kesÀ ceeO³ece mes meceer#ee keÀer
Je<e& 2021-22 kesÀ oewjeve, SveheerS KeeleeW ceW, ` 3266 keÀjesæ[ keÀer vekeÀo ieF& nw.
Jemetueer Deewj ` 1337 keÀjesæ[ kesÀ GVe³eve efkeÀ³es ie³es nQ.
5. `10 ueeKe Deewj Thej kesÀ yekeÀe³ee Jeeues SveheerS GOeejkeÀlee&DeeW mes Jemetueer
» mekeÀue SveheerS keÀe mlej ` 29277 keÀjesæ[ mes IeìkeÀj `28156 keÀjesæ[ kesÀ efueS MeeKee mìeHeÀ kesÀ meeLe #es$eer³e keÀe³ee&ue³e keÀer Jemetueer ìerce Üeje
efjheesì&
nes ie³ee nw, DeLee&le `1121 keÀjesæ[ mes keÀce ngDee nw. J³eefÊeÀiele ªhe mes mebheke&À efkeÀ³ee peelee nw.
» Meg× SveheerS keÀe mlej ` 9036 keÀjesæ[ mes IeìkeÀj `6675 keÀjesæ[ nes ie³ee yeQkeÀeM³eesjWme :
nw , DeLee&le `2361 keÀjesæ[ mes keÀce ngDee nw. yeQkeÀSM³eesjWme keÀ#e peerJeve, iewj-peerJeve Deewj mJeemL³e yeercee GlheeoeW kesÀ
» kegÀue Deefie´ceeW keÀer leguevee ceW , mekeÀue SveheerS 16.55% mes IeìkeÀj efJelejCe keÀe³e& keÀjlee nw Deewj keÀceerMeve he´ehle keÀjlee nw. nceejs yeQkeÀ ves ,
14.84% (171 yeerheerSme) nes ie³ee nw. leerve meeue keÀer uebyeer DeJeefOe kesÀ efueS DeeF&Deej[erSDeeF& mes keÀe@heexjsì SpeWmeer
» Meg× Deefie´ceeW keÀer leguevee ceW Meg× SveheerS , 5.77% mes IeìkeÀj 3.97% ueeFmeWme he´ehle efkeÀ³ee nw pees efkeÀ 31.03.2025 lekeÀ JewOe nw.
(180 yeerheerSme) nes ie³ee .
» yeÆeke=Àle KeeleeW ceW ` 351 keÀjesæ[ keÀer vekeÀo Jemetueer keÀer ieF& nw. yeQkeÀ ves ve³es DeeF&Deej[erSDeeF& efJeefve³eecekeÀ 2015, efpemes Deeshesve
DeejkeÀerìskeÌ®ej keÀnles nQ , kesÀ Devleie&le , efveVeefueefKele yeng-yeercee kebÀheefve³eeW
SveheerS meceeOeeve kesÀ efue³es , efvecveefueefKele SkeÀ cegMle mecePeewlee (DeesìerSme)
efJeÊeer³e
kesÀ meeLe meYeer leerve mebJeieeX peerJeve yeercee , iewj-peerJeve yeercee SJeb mJeemL³e nsleg
³eespevee³eW keÀe³ee&eqvJele keÀer ieF& nQ :
keÀjej efkeÀ³ee nw.
» efJeJeskeÀeOeerve jefnle/ YesoYeeJe jefnle (Sve[erSve[er) 2021-22 efJeMes<e
SkeÀcegMle mecePeewlee ³eespevee efpemeceW 31.03.2021 kesÀ heer[yu³etDees/ ¬eÀ. yeercee kebÀheveer keÀe veece ÞesCeer
ìer[yuetDees KeeleW efpemeceW ie´enkeÀ keÀe SkeÌmeheespej (yekeÀe³ee meerDeeF&SHeÀ Jeej) 1 Yeejleer³e peerJeve yeercee efveiece peerJeve yeercee
©he³es 10.00 keÀjesæ[ nw. 2 ìeìe SDeeF&S ueeFHeÀ FbM³eesjWme kebÀheveer peerJeve yeercee
» meYeer SveheerS Keeles he´efleYetefle meefnle ³ee he´efleYetefle jefnle kesÀ efueS Meg× efueefceìs[
Jele&ceeve cetu³e (SveheerJeer) ¢eqäkeÀesCe kesÀ Debleie&le Deesìermeer ³eespevee. 3 o v³et Fbef[³ee SM³eesjWme kebÀheveer efueefceìs[ iewj-peerJeve yeercee
4 yepeepe Deeefue³eebpe pevejue FbM³eesjWme kebÀheveer iewj-peerJeve yeercee
efJeÊe Je<e& 2021-22 kesÀ oewjeve, Fve ³eespeveeDeeW kesÀ Devleie&le, `2419 keÀjesæ[ efueefceìs[
kesÀ yekeÀe³ee Keelee yener kesÀ DeesìerSme he´mleeJeeW keÀe efveheìeve `1578 ceW keÀjesæ[
ceW efkeÀ³ee ie³ee .
efoveebkeÀ 31.03.2022 keÀes meceehle Je<e& nsleg keÀe³e&efve<heeove JewefMeäîe keÀes v³etvelece mlej lekeÀ efve³ebef$ele keÀjves ceW meHeÀue nes mekeÀlee nw.
» yeQkeÀ ves peerJeve yeercee J³eJemee³e ceW ` 63.75 keÀjesæ[ kesÀ keÀceerMeve meefnle keÀesefJe[-19 ceneceejer kesÀ he´keÀeshe mes GlheVe DeYetlehetJe& eqmLeefle mes efveheìves kesÀ
97299 hee@efueefme³eeb mebie´efnle keÀer nw. efueS, yeQkeÀ ves DeefleefjÊeÀ yeermeerheer mLeueeW keÀer mLeehevee, Jeeref[³ees keÀe@vHe´WÀeEmeie kesÀ
» iewj-peerJeve yeercee J³eJemee³e kesÀ DeOeerve yeQkeÀ ves ` 10.61 keÀjesæ[ kesÀ ceeO³ece mes J³eJemee³e / ie´enkeÀ yewþkeWÀ Deewj Dev³e DeebleefjkeÀ efJe®eej - efJeceMe&
keÀceerMeve meefnle 239907 hee@efueefme³eeb mebie´efnle keÀer nw. keÀjves, keÀce&®eeefj³eeW keÀes Iej mes keÀece keÀjves keÀer Devegceefle osves pewmes efJeefYeVe
he´ewÐeesefiekeÀer me#ece Ghee³eeW keÀer Meg©Deele keÀer nw, efpememes efkeÀ J³eJemee³e keÀer
» yeQkeÀ FbM³egjbMe J³eJemee³e mes kegÀue Dee³e ` 74.36 keÀjesæ[ ngF&.
efvejblejlee kesÀ meeLe-meeLe keÀce&®eeefj³eeW Deewj efJe¬esÀlee men³eesefie³eeW keÀer megj#ee
» yeQkeÀ kesÀ heeme yeQkeÀ FbM³egjbme J³eJemee³e mebie´efnle keÀjves kesÀ efueS 1974 keÀe YeueerYeebefle O³eeve jKee pee mekesÀ.
efJeefMeä J³eefÊeÀ nQ.
ef[hee@peìjer mesJeeSb eqmJeHeÌì efmemìce keÀes ve³ee ªhe efo³ee ie³ee nw Deewj keÀF& DeefleefjÊeÀ megefJeOeeDeeW
Jeeues veJeervelece mebmkeÀjCe ceW Deheie´s[ efkeÀ³ee ie³ee nw. neue ner kesÀ efoveeW ceW, yeQkeÀ
yeQkeÀ mesvì^ue ef[heespeìjer mee|Jemesme efueefceìs[ (meer[erSmeSue) kesÀ meeLe SkeÀ ves yesnlej megefJeOeeDeeW Deewj megj#ee efve³eb$eCeeW kesÀ meeLe, Kegoje Deewj keÀe@heexjsì
J³eJemLee meefnle ef[hee@peìjer menYeeieer nw. meYeer heefj®eeueve kesÀvêer³eke=Àle nQ ie´enkeÀeW oesveeW kesÀ efueS mebMeesefOele Fbìjvesì yeQeEkeÀie meeFì keÀer MegªDeele keÀer nw.
leLee ³en mesJeeSb HeÀesì& cegbyeF& ceW DeJeeqmLele nceejer vees[ue MeeKee, kewÀefheìue efJeefve³eecekeÀ efveoxMeeW kesÀ Devegmeej DeejìerpeerSme/ SveF&SHeÀìer mesìDehe keÀes Yeer
ceekexÀì mee|Jeme MeeKee kesÀ ceeO³ece mes oer pee jner nw. yeæ[s kesÀvêeW keÀer MeeKeeSb Deheie´s[ efkeÀ³ee ie³ee nw SJeb 24x7 GheueyOelee megefveeq½ele keÀer ieF& nw.
Keelee Keesueves, ¬eÀ³e efJe¬eÀ³e, Mes³ejeW keÀer efiejJeer SJeb YeeweflekeÀ he´efleYetefle³eeW kesÀ
[ercewì^erueeF&pesMeve keÀer megefJeOee osleer nQ. yeQkeÀ kesÀ heeme 28899 [ercewì Keelee yeQkeÀ ves ie´enkeÀ/keÀce&®eejer mesJee ³ee efve³eecekeÀ DeeJeM³ekeÀleeDeeW kesÀ ªhe ceW, Dev³e
OeejkeÀ nw. heefj³eespevee³eW, Sbìer-ceveer uee@eÅv[^ie, yuee@keÌ[ DeceeGbì Üeje mecee|Lele SeqhuekesÀMeve
(SSmeyeerS), SkeÀerke=Àle peesefKece he´yebOeve he´Ceeueer (DeeF&DeejSceSme), OeesKeeOeæ[er
cegbyeF& ceW kewÀefheìue ceekexÀì mee|Jeme MeeKee efJeMes<e ªhe mes kewÀefheìue ceekexÀì peesefKece he´yebOeve he´Ceeueer keÀe keÀe³ee&vJe³eve, (SHeÀDeejSceSme), keWÀêerke=Àle F&-
megefJeOeeSb pewmes Deemeyee , [ercewì, keÌueer³eeEjie yeQkeÀ, ueeYeebMe Yegieleeve SJeb ìer[erSme he´yebOeve meceeOeeve, omleeJes]pe he´yebOeve he´Ceeueer, ([erSceSme) Deeefo keÀes
oueeueeW keÀes ¬esÀef[ì/ieejbìer megefJeOee Fl³eeefo kesÀ efueS Keesueer ieF& Leer. meeLe ner, Yeer ueeiet efkeÀ³ee nw.
³en [ercewì SJeb Deemeyee kesÀ efueS efve³eb$ekeÀ MeeKee Yeer nw.
nceeje yeQkeÀ, mejkeÀej keÀer meYeer efJeÊeer³e meceeJesMeve henueeW ceW meef¬eÀ³e ªhe mes
Dee@ue ueeFve [ercewì Keelee Keesueves keÀer megefJeOee mesvì^ue ef[heespeìjer mee|Jemesme Yeeie ueslee jne nw. DeeOeej [sìe kewÀh®ej keÀjles mece³e, JewOeeefvekeÀ efoMeeefveoxMeeW
efueefceìs[ ( meer[erSmeSue) mee@HeÌìJes³ej DeesSueSDees kesÀ meeLe he´ejbYe keÀer ieF& Leer. keÀe hetjer lejn mes heeueve efkeÀ³ee ie³ee nw . yeQkeÀ, oes DeejDeejyeer he´e³eesefpele keÀj
meeLe ner, nceejs [ercewì ie´enkeÀeW kesÀ efueS ceesleerueeue DeesmeJeeue HeÀeFveWefMeSue jne nw, efpevekeÀer ueieYeie 1200 MeeKeeSb nQ Deewj oesveeW DeejDeejyeer, keÀesj
mee|Jemesme efueefceìs[ kesÀ meeLe ìeF&-Dehe keÀjkesÀ 3 Fve 1 F&-ì^seE[ie megefJeOee keÀe yeQeEkeÀie kesÀ Debleie&le nQ. he´e³eespekeÀ yeQkeÀ keÀer ueieYeie meYeer lekeÀveerkeÀer henueeW keÀes
keÀe³ee&vJe³eve he´ef¬eÀ³eeOeerve nw. DeejDeejyeer ceW Yeer ueeiet efkeÀ³ee ie³ee nw.
met®evee he´ewÐeesefiekeÀer yeQkeÀ ves, keWÀê/jep³e mejkeÀej kesÀ efJeefYeVe efJeYeeieeW Deewj keÀe@jheesjsìdme Üeje
met®evee he´ewÐeesefiekeÀer keÀer mebj®evee efkeÀS ieS Yegieleeve kesÀ efueS Sb[-ìt-Sb[ HebÀ[ cewvespeceWì Deewj cee@efveìeEjie efmemìce
yeQkeÀ ves SkeÀ Del³eeOegefvekeÀ DeeF&ìer DeJemebj®evee keÀer mLeehevee keÀer nw. yeQkeÀ keÀe kesÀ efueS ef[peer HebÀ[ cewvespeceWì mee@u³etMeve ueeiet efkeÀ³ee nw. yeQkeÀ Jele&ceeve ceW
[eìe meWìj DeeF&SmeDees he´ceeefCele nw Deewj ie´enkeÀ mesJeeDeeW keÀer heefj®eeueve o#elee ceewpetoe [sìe Jes³ejneGme mee@u³etMeve keÀes meJe&Þesÿ-Fve-keÌueeme meceeOeeve kesÀ
Deewj lelhejlee megefveeq½ele keÀjves kesÀ efueS, Jele&ceeve DeeF&ìer FvHe´Àemì^keÌ®ej keÀeHeÀer meeLe Deheie´s[ keÀjves kesÀ Debeflece ®ejCe ceW nw, pees [eìe Je=ef× Deewj yeQkeÀ keÀer
me#ece nw. yeQkeÀ ves keÀF& cenlJehetCe& DeeF&ìer heefj³eespeveeDeeW pewmes keÀesj yeQeEkeÀie SceDeeF&Sme/efJeMues<eCeelcekeÀ DeeJeM³ekeÀleeDeeW keÀes hetje keÀj mekeÀlee nw.
mee@u³etMeve, ì^s[ HeÀeFveWme mee@u³etMeve, ì^spejer mee@u³etMeve, ueesve ueeFHeÀmeeFefkeÀue
cewvespeceWì mee@u³etMeve Deeefo keÀes ueeiet efkeÀ³ee nw pees efkeÀ yeQkeÀ kesÀ efyepevesme Deheveer J³eeJemeeef³ekeÀ keÀe³e&³eespevee kesÀ Yeeie kesÀ ªhe ceW, yeQkeÀ SkeÀ he´cegKe
Svesyeueme& kesÀ ªhe ceW keÀe³e& keÀjles nQ. henue keÀj jne nw, pewmes “ef[efpeìue ì^ebmeHeÀe@cexMeve”, efpemekesÀ ceeO³ece mes ³en
³etefveJeme&ue Sshe Deewj ceesyeeFue yeQeEkeÀie, Fbìjvesì yeQeEkeÀie, ìwye yeQeEkeÀie, efyepevesme
yeQkeÀ ves SkeÀ hetCe& Deeheoe Jemetueer keWÀê Deewj SkeÀ efvekeÀì-mLeue mesìDehe Yeer keÀe@jsmheeW[Wì hee@Fbìdme Deeefo kesÀ ceeO³ece mes heejbheefjkeÀ efyepevesme cee@[ue keÀes
mLeeefhele efkeÀ³ee nw pees efkeÀ Metv³e peevekeÀejer [e@ìe vegkeÀmeeve kesÀ meeLe J³eeheej efveyee&Oe ef[efpeìue cee@[ue ceW yeoueves keÀe Fjeoe jKelee nw. Fme efoMee ceW henues
keÀer efvejblejlee keÀes megefveeq½ele keÀjlee nw. FmekesÀ DeueeJee, yeQkeÀ keÀer DeebleefjkeÀ keÀoce kesÀ ªhe ceW, yeQkeÀ ves Jeeref[³ees kesÀJeeF&meer kesÀ ceeO³ece mes ie´enkeÀ keÀer
veerefle kesÀ Devegmeej [erDeej ef[^ue meb®eeefuele keÀer pee jner nw, pees efkeÀ efve³eecekeÀ Dee@ve-yeese\[ie pejveer keÀes Debeflece ªhe efo³ee nw.
efoMeeefveoxMeeW kesÀ Devegªhe nw. FmekesÀ DeueeJee, SkeÀ GVele vesìJee\keÀie mesìDehe
SJeb efvejblej efveiejeveer keÀer mene³elee mes he´eke=ÀeflekeÀ DeeheoeDeeW Deeefo pewmeer efJe<ece DeeF&ìer ieJe&vesvme
eqmLeefle³eeW kesÀ oewjeve Yeer yeQkeÀ MeeKeeDeeW kesÀ DeueieeJe Deewj vesìJeke&À DeeGìspe Gef®ele DeeF&ìer ieJe&vesvme keÀes megefveeq½ele keÀjves kesÀ efueS, yees[& keÀer DeeF&ìer
keÀe³e&³eespevee Deewj peesefKece he´yebOeve meefceefle³eeW keÀe ieþve efkeÀ³ee ie³ee nw. yeQkeÀ kesÀ uesKee ceW JewOe Dee³e megefveeq½ele keÀjves kesÀ efueS yeQkeÀ Üeje ®eeì&[&
FmekesÀ DeueeJee, yeQkeÀ kesÀ efueS Ghe³egÊeÀ DeeF&ìer henue keÀes megefveeq½ele keÀjves SkeÀeGbìWìdme, DeebleefjkeÀ uesKee hejer#ekeÀeW Deewj Dev³e DeefOekeÀeefj³eeW keÀer HeÀceeX
kesÀ efueS, yeQkeÀ keÀer mene³elee kesÀ efueS efJeefYeVe J³eeJemeeef³ekeÀ keÀe³e&#es$eeW kesÀ Meer<e& kesÀ ceeO³ece mes nj meeue 1 cee®e& mes 10 cee®e& lekeÀ Jeee|<ekeÀ jepemJe keÀer peeb®e
DeefOekeÀeefj³eeW keÀes Meeefceue keÀjles ngS SkeÀ DeeF&ìer meb®eeueve meefceefle keÀe ieþve keÀer peeleer nw.
efkeÀ³ee ie³ee nw. DeeF&ìer mebieþveelcekeÀ mebj®evee, yeQkeÀ Üeje keÀer peeves Jeeueer
J³eeJemeeef³ekeÀ ieefleefJeefOe³eeW kesÀ DeekeÀej, hewceeves Deewj he´ke=Àefle Deewj J³eeJemeeef³ekeÀ Yeejleer³e efjpeJe& yeQkeÀ kesÀ efveoxMeeW kesÀ Devegheeueve kesÀ ¬eÀce ceW, efoveebkeÀ
keÀe³eeX kesÀ efueS met®evee he´Ceeueer Üeje he´oeve keÀer ieF& Deblee|veefnle mene³elee kesÀ 01.04.2021 mes 31.03.2022 kesÀ oewjeve 254 hee$e KeeleeW ceW mece³e-mece³e
Devegªhe nw. DeeF&ìer mebieþveelcekeÀ mebj®evee kesÀ efueS efJe®eej efkeÀS peeves Jeeues hej keÀevetveer uesKee hejer#ee Deewj mJeeefcelJe efJeuesKeeW keÀe hegve: mel³eeheve efkeÀ³ee
J³eehekeÀ #es$eeW ³ee keÀe³eeX ceW ‘he´ewÐeesefiekeÀer Deewj efJekeÀeme’, ‘DeeF&ìer heefj®eeueve’, ie³ee.
jCeefveleer
DeeF&ìer Deeéeemeve Deewj “efJelejCe SJeb mebmeeOeve ÒeyebOeve” Meeefceue nQ. DeeF&ìer
efJeYeeie keÀe vesle=lJe, cenehe´yebOekeÀ kesÀ jQkeÀ kesÀ SkeÀ Meer<e& keÀe³e&heeuekeÀ Üeje yeQkeÀ DeeJeefOekeÀ efvejer#eCe Deewj uesKee hejer#ee kesÀ ceeO³ece mes MeeKeeDeeW ceW meKle
efkeÀ³ee peelee nw efpevekeÀer mene³elee Ghe cenehe´yebOekeÀ Deewj mene³ekeÀ cenehe´yebOekeÀ Devegheeueve mebmke=Àefle megefveeq½ele keÀjlee nw. uesKeehejeref#ele Jeeueer MeeKeeDeeW Üeje
kesÀ Üeje keÀer peeleer nw. DeeF&ìer efJeYeeie kesÀ he´l³eskeÀ keÀe³ee&lcekeÀ keÀe³e&#es$e keÀe he´mlegle uesKee hejer#ee Devegheeueve keÀer Meg×lee megefveeq½ele keÀjves kesÀ efueS yeQkeÀ
vesle=lJe Ghe³egÊeÀ ªhe mes DevegYeJeer Deewj he´efMeef#ele Jeefjÿ DeefOekeÀejer keÀjles nQ. ³ee¢eq®íkeÀ DeeOeej hej Devegheeueve uesKeehejer#ee Yeer keÀjlee nw. efJeÊeer³e Je<e&
2021-22 kesÀ oewjeve kegÀue 870 MeeKeeDeeW keÀe DebkesÀ#eCe efkeÀ³ee ie³ee.
met®evee megj#ee
meceJeleea uesKee hejer#ekeÀeW kesÀ ceeO³ece mes S[er MeeKeeDeeW kesÀ eqmJeHeÌì mebosMeeW
yeQkeÀ ves Deheveer met®evee he´Ceeueer Deewj ie´enkeÀ [eìe keÀes meeFyej KelejeW mes ye®eeves kesÀ
keÀe efceueeve efkeÀ³ee peelee nw. yeQkeÀ efve³eefcele Dee@ef[ì ceW keÀJejspe kesÀ DeueeJee
efueS meYeer DeeJeM³ekeÀ keÀoce GþeS nQ. DeeF&SmeDees 27001 Deewj DeeF&SmeDees
met®evee
kesÀJeeF&meer Devegheeueve Dee@ef[ì Yeer keÀjlee nw.
22301 pewmes he´ceeCeve ceevekeÀeW keÀe efvejblej Devegheeueve. keÀce&®eeefj³eeW/ie´enkeÀeW ceW
meeFyej peeieªkeÀlee yeæ{eves kesÀ efueS efve³eefcele DeeOeej hej keÀoce Gþe³es ie³es nw. ³eespevee, efJekeÀeme SJeb heefj®eeueve efJeYeeie
uesKeehejer#ee Deewj efvejer#eCe MeeKee vesìJeke&À
yeQkeÀ keÀer MeeKeeDeeW keÀer peesefKece DeeOeeefjle DeebleefjkeÀ uesKee hejer#ee (Yeejleer³e pevemebK³ee mecetn MeeKeeDeeW keÀer mebK³ee
efj]peJe& yeQkeÀ) DeebleefjkeÀ uesKee hejer#ekeÀeW kesÀ ceeO³ece mes keÀer peeleer nw Deewj meceie´ ie´eceerCe 1604
peesefKece cewefì^keÌme kesÀ Devegmeej he´l³eskeÀ MeeKee keÀes peesefKece jseEìie he´oeve keÀer peeleer De×& Menjer 1330
nw. leovegmeej, kegÀue 4553 MeeKeeDeeW ceW mes, 4322 MeeKeeDeeW keÀes Yeejleer³e Menjer 783
efj]peJe& yeQkeÀ kesÀ DeOeerve efkeÀ³ee ie³ee Deewj efJeÊe Je<e& 2021-22 kesÀ oewjeve GvekeÀe cesì^es 811
efjheesì&
cetu³eebkeÀve efkeÀ³ee ie³ee. efoveebkeÀ 31.03.2022 lekeÀ kegÀue efceueekeÀj 2779 kegÀue MeeKeeSb 4528
MeeKeeSb ceO³ece peesefKece jseEìie kesÀ lenle, 1742 MeeKeeSb keÀce peesefKece jseEìie DeekeÀejJeej MeeKeeDeeW keÀer mebK³ee
Jeeueer, 32 MeeKeeSb G®®e peesefKece jseEìie Jeeueer LeeR. yeQkeÀ keÀer keÀesF& Yeer MeeKee Del³eefOekeÀ yeæ[er MeeKeeSb 22
Deefle G®®e peesefKece/Del³eefOekeÀ G®®e peesefKece keÀer ÞesCeer ceW veneR nw. yengle yeæ[er MeeKeeSb 551
efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve, 60 #es$eer³e keÀe³ee&ue³e, 10 Deeb®eefuekeÀ yeæ[er MeeKeeSb 1637
keÀe³ee&ue³e SJeb kesÀvêer³e keÀe³ee&ue³e kesÀ 14 efJeYeeie, 02 #es$eer³e ie´eceerCe yeQkeÀ Deewj ceO³ece MeeKeeSb 2296
02 Deveg<ebieer kebÀheefve³eeb he´yebOeve uesKeehejer#ee kesÀ DeOeerve LeeR. ueIeg MeeKeeSb 0
efJeMes<e MeeKeeSb 22 efJeÊeer³e
efoveebkeÀ 31.03.2022 keÀer eqmLeefle kesÀ Devegmeej, ®eeì&[& SkeÀeGbìWìdme keÀer kegÀue MeeKeeSb 4528
HeÀceeX /yeQkeÀ DeefOekeÀeefj³eeW Üeje 924 meeceev³e MeeKeeSb/23 SmeSmeyeer/89 yeQkeÀ keÀer mebj®eveelcekeÀ / mebieþveelcekeÀ eqmLeefle :
meerheerSmeer/5 kesÀvêer³e keÀe³ee&ue³e kesÀ efJeYeeie, kegÀue 1041 MeeKee³eW/keÀe³ee&ue³eeW efoveebkeÀ 31 cee®e& 2022 lekeÀ keÀer eqmLeefle Fme he´keÀej nw :
keÀes meceJeleea uesKeehejer#ee kesÀ lenle keÀJej efkeÀ³ee ie³ee nw. meYeer 7 keÀe@heexjsì
efJeÊe MeeKeeSb ÞesCeer I ®eeì&[& SkeÀeGbìWì HeÀceeX Üeje meceJeleea uesKeehejer#ee kesÀ ¬eÀ. efJeJejCe keÀe³ee&ue³eeW keÀer mebK³ee
DeOeerve nQ. 0 5 SmeSSce MeeKeeSb Deewj 01 keÀes-ueWeE[ie yeQkeÀ kesÀ Jeefjÿ he´yebOeve 1 keWÀêer³e keÀe³ee&ue³e 1
ie´s[ kesÀ Deheves DeefOekeÀejer Üeje meceJeleea uesKee hejer#ee kesÀ DeOeerve nQ. yeQkeÀ kesÀ 2 Deeb®eefuekeÀ keÀe³ee&ue³e 12
kegÀue keÀejesyeej keÀe ueieYeie 61.94% Deewj efoveebkeÀ 31.03.2022 lekeÀ kegÀue 3 #es$eer³e keÀe³ee&ue³e 90
Deefie´ce keÀe 66.41% meceJeleea uesKee hejer#ee kesÀ Debleie&le Deelee nw. meceJeleea 4 Deveg<ebieer keÀcheefve³eeB 2
uesKeehejer#ee keÀe keÀe³e& 963 ®eeì&[& SkeÀeGbìWì HeÀceeX keÀes he´oeve efkeÀ³ee ie³ee Lee, 5 SmeesefmeSìdme 1
efpeveceW mes 526 HeÀce& Yeejleer³e efj]peJe& yeQkeÀ ÞesCeer I, 285 ÞesCeer II , ÞesCeer le=leer³e 6 #es$eer³e ie´eceerCe yeQkeÀ 2
7 DeelebefjkeÀ uesKee hejer#ee keÀe³ee&ue³e 13
keÀer 93 Deewj Yeejleer³e efjpeJe& yeQkeÀ ÞesCeer ®elegLe& keÀer 59 HeÀce& nQ.
MeeKee efJemleej :
efoveebkeÀ 31 cee®e& 2022 keÀes meceehle efJeÊe Je<e& 2021-22 kesÀ oewjeve Keesueer ieF&/efJeue³e/yebo keÀer ieF& MeeKeeDeeW keÀe efleceener-Jeej efJeJejCe efvecveevegmeej nw:
ke´bÀ. meb ÞesCeer efoveebkeÀ efleceener-I (Dehe´wue21 mes petve21 efleceener-II (pegueeF&’21 mes efleceener-III (DekeÌìtyej’21 mes keÌJeeì&j-IV (peveJejer’22 mes efoveebkeÀ
31.03.21 lekeÀ) efmelebyej’21) efomebyej’21) cee®e&’22 lekeÀ) 31.03.22
lekeÀ keÀer lekeÀ keÀer
खोली गईं विलय/ बं द की खोली गईं विलय/ बं द की खोली गईं विलय/ बं द की खोली गईं विलय/ बं द की
eqmLeefle eqmLeefle
शाखाएं गई शाखाएं शाखाएं गई शाखाएं शाखाएं गई शाखाएं शाखाएं गई शाखाएं
1 ie´eceerCe 1603 1 0 0 0 0 0 0 0 1604
2 DeOe& Menjer 1332 0 1 0 0 0 1 0 0 1330
3 Menjer 810 0 8 0 0 0 19 0 0 783
4 cesì^es 863 0 6 0 0 0 46 0 0 811
kegÀue 4608 1 15 0 0 0 66 0 0 4528
Dev³e he´ieefle: » vesì yeQeEkeÀie, ceesyeeFue yeQeEkeÀie Deewj ye´eb®e ®ewveue kesÀ ceeO³ece mes heespesefìJe
» yeQkeÀ keÀe DeeOegefvekeÀerke=Àle keÀe@ue meWìj ie´enkeÀeW kesÀ efueS DeeJekeÀ Deewj hes megefJeOee GheueyOe nw.
peeJekeÀ oesveeW keÀe@ue megefJeOee³eW he´oeve keÀj jne nw. » heerSmeyeer Suee³ebme he´eFJesì efueefceìs[ kesÀ lenle 100 keWÀêeW hej [erSmeyeerSme
» F&pe.4.0 efoMeeefveoxMeeW kesÀ lenle 19 yeW®e ceeke&À mesJeeDeeW kesÀ cegkeÀeyeues keÀe@ue Megª ngDee, efpemekesÀ lenle Fve keWÀêeW hej eqmLele ie´enkeÀ ceecetueer MegukeÀ hej
meWìj kesÀ meb®eeueve keÀes DeeF&JeerDeej kesÀ ceeO³ece mes kegÀue 16 mesJeeSb he´oeve efvecveefueefKele mesJeeDeeW keÀe ueeYe Gþe mekeÀles nQ.
keÀjves kesÀ efueS Deheie´s[ efkeÀ³ee ie³ee nw. » efhekeÀDehe mesJeeSb : ie´enkeÀ [erSmeyeer he´Ceeueer kesÀ ceeO³ece mes omleeJespe uesves
» GVele keÀe@ue meWìj Deye F&pe 4.0 efoMeeefveoxMeeW kesÀ lenle ef®eeqÔvele 12 ueer[ kesÀ efueS DevegjesOe keÀjWies. SkeÀ yeej DevegjesOe Megª nesves kesÀ yeeo, SkeÀ SpeWì
pevejsMeve mesJeeDeeW ceW mes 11 keÀes mebYeeue jne nw. ie´enkeÀ kesÀ ojJeepes mes omleeJes]pe keÀes GþeSiee Deewj Gmes yeQkeÀ keÀes efJeleefjle
» keÀe@ue meWìj eEnoer Deewj Debie´speer kesÀ DeueeJee 10 #es$eer³e Yee<eeDeeW ceW Yeer keÀjsiee. FmeceW hej¬eÀec³e efueKele (®eskeÀ/[^eHeÌì/hes Dee@[&j Deeefo), veF&
mesJeeSb he´oeve keÀj jne nw. ®eskeÀ yegkeÀ ceebie he®eea, 15peer (फॉर्म डाउनलोड करें ), 15एच (फॉर्म
डाउनलोड करें ), DeeF&ìer/peerSmeìer®eeueeve SJeb mLee³eer efveoxMe DevegjesOe
» Jeefjÿ veeieefjkeÀeW, ¢eqäyeeefOele Deewj efJekeÀueebie ie´enkeÀeW kesÀ efueS meeqcceefuele nQ
1800221911 [e³eue keÀjkesÀ keÀe@ue meWìj kesÀ ceeO³ece mes [esj mìshe yeQeEkeÀie
megefJeOee GheueyOe nw. » efJelejCe mesJee: ie´enkeÀ [erSmeyeer he´Ceeueer kesÀ ceeO³ece mes omleeJespe keÀer
meghego&ieer kesÀ efueS DevegjesOe keÀjWies. SkeÀ yeej DevegjesOe Megª nesves kesÀ yeeo,
» ie´enkeÀ 24X7 keÀe@ue meWìj kesÀ ceeO³ece mes Deheves Keeles/[sefyeì keÀe[& keÀes SkeÀ SpeWì yeQkeÀ mes omleeJes]pe keÀes GþeSiee Deewj ie´enkeÀeW kesÀ ojJeepes lekeÀ
[sefyeì He´Àerpe kesÀ efueS DevegjesOe keÀj mekeÀles nQ. hengb®eeSiee. FmeceW Keelee efJeJejCe, iewj-J³eefÊeÀiele ®eskeÀ yegkeÀ, [^eHeÌì,
» ke=Àef<e, Kegoje Deewj SceSmeSceF& ie´enkeÀeW keÀes 5 Yee<eeDeeW ceW hetJe& meef¬eÀ³e Yegieleeve DeeosMe, meeJeefOe pecee jmeero, heeJeleer Deeefo, ìer[erSme/HeÀe@ce& 16
peeJekeÀ DeeF&JeerDeej keÀe@ue keÀjves keÀer megefJeOee GheueyOe nw. he´ceeCehe$e peejer keÀjvee meeqcceefuele nQ.
» DeeF&JeerDeej kesÀ ceeO³ece mes mJe³eb kesÀ meeLe-meeLe yeQkeÀ ceW Dev³e KeeleeW Deewj » vekeÀo efvekeÀemeer: ie´enkeÀ [erSmeyeer Sshe / Jesye heesì&ue keÀe Ghe³eesie keÀjkesÀ ³ee
$eÝCe KeeleeW ceW OevejeefMe mLeeveebleefjle keÀjves keÀer mesJee GheueyOe nw. ìesue He´Àer vebyej 18001213721 Deewj 18001037188 hej keÀe@ue keÀjkesÀ
» heWMevejeW keÀes keÀe@ue meWìj kesÀ ceeO³ece mes Jeee|<ekeÀ peerJeve he´ceeCe he$e pecee vekeÀo efvekeÀemeer mesJee yegkeÀ keÀj mekeÀles nQ. efj³eue ìeFce vekeÀo efvekeÀemeer
keÀjves kesÀ efueS mcejCe keÀje³ee peelee nw. megefJeOee keÀe ueeYe Gþeves kesÀ efueS ie´enkeÀ keÀes Deheves yeQkeÀ Keelee ³ee lees
DeeOeej ³ee [sefyeì keÀe[& mes eEuekeÀ keÀjvee nesiee. ceeF¬eÀes SìerSce DeeOeeefjle
» yeQkeÀ ves keÀneR Yeer, efkeÀmeer Yeer mece³e efMekeÀe³ele ope& keÀjves kesÀ efueS Deheves
megjef#ele lekeÀveerkeÀ kesÀ ceeO³ece mes mesJee he´oeve keÀjves kesÀ efueS [erSmeyeer SpeWì
Jesye heesì&ue kesÀ ceeO³ece mes mebMeesefOele efMekeÀe³ele he´yebOeve meceeOeeve Megª
ie´enkeÀ kesÀ heles hej peeSiee. he´efle uesveosve keÀer meercee v³etvelece ` 1,000/-
efkeÀ³ee nw. Deewj DeefOekeÀlece ` 10,000/- nw.
» ie´enkeÀeW keÀer megefJeOee kesÀ efueS ®eskeÀ yegkeÀ Deewj SìerSce keÀe[& keÀer nesce » ef[efpeìue ueeFHeÀ mee|ìefHeÀkesÀì : Jele&ceeve ceneceejer keÀer eqmLeefle ceW, ie´enkeÀeW,
ef[ueerJejer ueeiet keÀer ieF&. efJeMes<e ªhe mes heWMeveYeesefie³eeW kesÀ efueS peerJeve he´ceeCe he$e pecee keÀjves kesÀ
» Yeejleer³e efj]peJe& yeQkeÀ kesÀ meueen kesÀ Devegmeej, heespesefìJe hes efmemìce efueS MeeKee ceW peevee cegeqMkeÀue nw. Deleë [esj mìshe yeQeEkeÀie kesÀ ceeO³ece
keÀer Meg©Deele 01/01/2021 mes keÀer ieF& Leer, efpemekesÀ ceeO³ece mes ie´enkeÀ mes ef[efpeìue ueeFHeÀ mee|ìefHeÀkesÀì pecee keÀjves keÀer megefJeOee GheueyOe nw.
keÌueeseEveie/heefjJele&ve Üeje OeesKeeOeæ[er mes ye®eves kesÀ efueS peejer efkeÀS ieS Deheves heWMeveYeesieer efkeÀmeer Yeer ®ewveue DeLee&le [erSmeyeer Sshe / Jesye heesì&ue ( https://
®eskeÀ kesÀ kegÀí DeeOeejYetle efJeJejCe he´mlegle keÀj mekeÀles nQ. ³en 50000/- dsb.imfast.co.in) / ìesue He´Àer vebyejeW kesÀ ceeO³ece mes mesJee yegkeÀ keÀj
©he³es mes DeefOekeÀ kesÀ ®eskeÀ kesÀ efueS JewkeÀequhekeÀ nw Deewj 5,00,000 /- mekeÀles nQ. [erSmeyeer SpeWì ie´enkeÀ kesÀ ojJeepes hej peeSiee Deewj peerJeve
©he³es mes DeefOekeÀ kesÀ efueS DeefveJee³e& nw. he´ceeCe Sshe keÀe Ghe³eesie keÀjkesÀ Dee@veueeFve peerJeve he´ceeCe he$e SkeÀ$e keÀjsiee.
» veeceebkeÀve mesJeeSb: [esjmìshe yeQeEkeÀie mesJeeDeeW kesÀ ceeO³ece mes ye®ele yeQkeÀ Keelee (J³eefÊeÀiele Deewj efkeÀmeer SkeÀ DeLeJee GÊejpeerJeer os³e), meeJeefOe pecee Deewj ®eeuet
Keelee (J³eefÊeÀiele) kesÀ efueS veeceebkeÀve ceW efkeÀmeer Yeer he´keÀej keÀer heefjJele&ve/yeouee pee mekeÀlee nw.
» efveefOe DeblejCe : ie´enkeÀ he´efle efove DeefOekeÀlece 25,000 /- ©he³es ³ee 3 yeej HebÀ[ ì^ebmeHeÀj (yeQkeÀ kesÀ Yeerlej ³ee yeenj) [erSmeyeerSme keÀer megefJeOee ues mekeÀlee nw.
» ie´enkeÀ Deheveer hemebo keÀer efkeÀmeer Yeer MeeKee ceW heerheerSHeÀ/Jeefjÿ veeieefjkeÀ ye®ele ³eespevee/megkeÀv³ee mece=ef× Keeles pewmeer íesìer ye®ele ³eespeveeDeeW kesÀ lenle Keelee
Keesue mekeÀles nQ.
» ie´enkeÀ mee@Jejsve ieesu[ yee@v[ kesÀ efueS vesì yeQeEkeÀie kesÀ ceeO³ece mes Dee@veueeFve meymeef¬eÀhMeve keÀj mekeÀlee nw.
» vesì yeQeEkeÀie kesÀ ceeO³ece mes ie´enkeÀeW keÀes Dee@veueeFve heerheerSHeÀ Keelee Keesueves keÀer megefJeOee he´oeve keÀer peeleer nw.
jCeefveleer
» heerheerSHeÀ Deewj Jeefjÿ veeieefjkeÀ ye®ele ³eespevee Keelee Keesueves keÀer megefJeOee ie´enkeÀ keÀes ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes he´oeve keÀer peeleer nw.
» ueIeg ye®ele ³eespeveeDeeW kesÀ ceeceues ceW pecee KeeleeW keÀer lejn meeryeerSme kesÀ ceeO³ece mes Deheveer nesce MeeKee keÀes heefjJee|lele efkeÀ³ee pee mekeÀlee nw.
» ie´enkeÀeW keÀes ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes veeceebkeÀve kesÀ hebpeerkeÀjCe keÀer megefJeOee he´oeve keÀer ieF& nw.
jepeYee<ee
efJeÊeer³e Je<e& 2021-22 ceW jepeYee<ee efJeYeeie keÀer efJeMes<e GheueeqyOe³eeB efvecveevegmeej nQ:
jepeYee<ee hegjmkeÀej : efJeÊe Je<e& 2021-22 kesÀ oewjeve efJeefYeVe vejekeÀemeeW (veiej jepeYee<ee keÀe³ee&vJe³eve meefceefle ) mes nceejs efJeefYeVe keÀe³ee&ue³eeW
Üeje he´ehle hegjmkeÀej
¬eÀ.meb. vejekeÀeme keÀe veece he´ehle hegjmkeÀej ¬eÀ.meb. vejekeÀeme keÀe veece he´ehle hegjmkeÀej
met®evee
1 yeQkeÀ vejekeÀeme, Denceoeyeeo he´Lece 25 yeQkeÀ vejekeÀeme, cegbyeF& le=leer³e
2 yeQkeÀ vejekeÀeme, heìvee he´Lece 26 yeQkeÀ vejekeÀeme, hegCes le=leer³e
3 vejekeÀeme, Dece=lemej he´Lece 27 yeQkeÀ vejekeÀeme, Fboewj le=leer³e
4 vejekeÀeme, Oeveyeeo he´Lece 28 vejekeÀeme, DecejeJeleer le=leer³e
5 yeQkeÀ vejekeÀeme, yejsueer he´Lece 29 vejekeÀeme, keÀevehegj le=leer³e
6 vejekeÀeme, HewÀpeeyeeo he´Lece 30 vejekeÀeme, keÀjveeue le=leer³e
7 vejekeÀeme, osJeefj³ee he´Lece 31 vejekeÀeme, keÀeseq®®e le=leer³e
8 vejekeÀeme, DekeÀesuee he´Lece 32 vejekeÀeme, uegefOe³eevee le=leer³e
efjheesì&
9 vejekeÀeme, efle©Jeveblehegjce he´Lece 33 vejekeÀeme, veeiejkeÀesFue le=leer³e
10 vejekeÀeme, nequo³ee he´Lece 34 vejekeÀeme, efMeJehegjer le=leer³e
11 yeQkeÀ vejekeÀeme peesOehegj he´Lece 35 vejekeÀeme, nefjÜej le=leer³e
12 vejekeÀeme yesueieece he´Lece 36 yeQkeÀ vejekeÀeme, keÀesuekeÀelee le=leer³e
13 yeQkeÀ vejekeÀeme iJeeefue³ej he´Lece 37 yeQkeÀ vejekeÀeme, peeuebOej meeblJevee
14 vejekeÀeme keÀes³ebyeìtj he´Lece 38 yeQkeÀ vejekeÀeme, jeb®eer meeblJevee
15 yeQkeÀ vejekeÀeme pe³ehegj he´Lece 39 vejekeÀeme, efYeueeF& meeblJevee
16 vejekeÀeme cegpeHeÌHeÀjhegj he´Lece 40 yeQkeÀ vejekeÀeme, yejsueer meeblJevee efJeÊeer³e
17 yeQkeÀ vejekeÀeme, hegCes efÜleer³e 41 yeQkeÀ vejekeÀeme, peesOehegj meeblJevee
18 yeQkeÀ vejekeÀeme efouueer efÜleer³e 42 yeQkeÀ vejekeÀeme, Yegyeveséej meeblJevee
19 vejekeÀeme, ke=À<Cee veiej efÜleer³e 43 vejekeÀeme, keÀes³ebyeìtj meeblJevee
20 vejekeÀeme, njoesF& efÜleer³e 44 vejekeÀeme Keccece meeblJevee
21 vejekeÀeme, yeeWieeF&ieebJe efÜleer³e 45 vejekeÀeme, ogiee&hegj efJeMes<e hegjmkeÀej
22 yeQkeÀ vejekeÀeme, veesS[e efÜleer³e 46 vejekeÀeme, Go³ehegj mecceeve he$e
23 yeQkeÀ vejekeÀeme, cesjþ efÜleer³e 47 vejekeÀeme efMeueebie mecceeve he$e
24 yeQkeÀ vejekeÀeme, efouueer efÜleer³e 48 yeQkeÀ vejekeÀeme nwojeyeeo Meeru[
jepeYee<ee meccesueve - yeQkeÀ ves (kegÀue 9) DeefKeue Yeejleer³e F& - jepeYee<ee meccesueve keÀe Dee³eespeve efkeÀ³ee.
kesÀvêer³e keÀe³ee&ue³e 29.06.2021 Yeesheeue 20.09.2021 Fve meccesueveeW ceW efJeÊeer³e mesJeeSb efJeYeeie SJeb Yeejle mejkeÀej,
hegCes 05.02.2022 ®esVeF& 07.02.2022 jepeYee<ee efJeYeeie kesÀ DeefOekeÀejer, vejekeÀeme meom³e keÀe³ee&ue³eeW
kesÀ he´efleefveefOe, meghe´efme× uesKekeÀ SJeb Deheves yeQkeÀ kesÀ meJeex®®e
cegbyeF& 23.02.2022 Denceoeyeeo 25.02.2022
keÀe³e&heeuekeÀieCe GheeqmLele ngS.
heìvee 15.03.2022 efouueer * 31.03.2022
kesÀvêer³e keÀe³ee&ue³e 31.03.2022 (* keWÀêer³e keÀe³ee&ue³e kesÀ meeLe meb³egÊeÀ
ªhe mes
jepeYee<ee mesefceveej : #es$eer³e keÀe³ee&ue³e , pe³ehegj Üeje efoveebkeÀ 30.10.2021 F&-heef$ekeÀeDeeW keÀe he´keÀeMeve – nceejs Deeb®eefuekeÀ keÀe³ee&ue³eeW SJeb #es$eer³e
keÀes vesle=lJe keÀewMeue Deewj J³eefÊeÀlJe efJekeÀeme hej F& - mesefceveej / Jesefyeveej keÀe³ee&ue³eeW Üeje efve³eefcele ªhe mes F&- heef$ekeÀeSb he´keÀeefMele efkeÀ³ee pee
keÀe Dee³eespeve efkeÀ³ee ie³ee. efoveebkeÀ 01.02.2022 keÀes #es$eer³e keÀe³ee&ue³e, jne nw.
iJeeefue³ej Üeje yeQkeÀ vejekeÀeme, iJeeefue³ej kesÀ lelJeeJeOeeve ceW ‘Deepeeoer
keÀe Dece=le ceneslmeJe’ hej mebieesÿer keÀe Dee³eespeve efkeÀ³ee ie³ee. efoveebkeÀ yeQkeÀ vejekeÀeme efouueer Üeje Je<e& 2020-21 kesÀ efueS Deeb®eefuekeÀ keÀe³ee&ue³e
01.02.2022 keÀes #es$eer³e keÀe³ee&ue³e, ie³ee Üeje Þeer efvece&ue kegÀceej ogyes, efouueer keÀer F&- heef$ekeÀe ‘ mesvì^ue JeeCeer’ keÀes efÜleer³e hegjmkeÀej efo³ee ie³ee.
mene³ekeÀ efveosMekeÀ, jepeYee<ee efJeYeeie keÀer GheeqmLeefle ceW jepeYee<ee mebieesÿer
keÀe Dee³eespeve efkeÀ³ee ie³ee. #es$eer³e keÀe³ee&ue³e, iJeeefue³ej Üeje ‘Deepeeoer keÀe yeQkeÀ vejkeÀeme cesjþ Üeje Je<e& 2020-21 kesÀ efueS #es$eer³e keÀe³ee&ue³e cesjþ keÀer
Dece=le ceneslmeJe’ hej SkeÀ jepeYee<ee mebieesÿer keÀe Dee³eespeve efkeÀ³ee ie³ee. F&- heef$ekeÀe ‘ meWì cebieue’ keÀes efÜleer³e hegjmkeÀej mes mecceeefvele efkeÀ³ee ie³ee.
DeefKeue Yeejleer³e eEnoer he´efle³eesefieleeSb: eEnoer heesmìj – hetjs Yeejle Je<e& ceW nceejs efJeefYeVe keÀe³ee&ue³eeW Üeje 64 efnvoer
» DeefKeue Yeejleer³e Deblej yeQkeÀ eEnoer efveyebOe he´efle³eesefielee heesmìj (mebosMe, G×jCe, efoMeeefveoxMe Deeefo) peejer efkeÀS ieS.
» DeefKeue Yeejleer³e Deblej yeQkeÀ eEnoer DeeuesKe he´efle³eesefielee vejekeÀeme - nceeje yeQkeÀ 11 vejekeÀemeeW ( veiej jepeYee<ee keÀe³ee&vJe³eve
» DeefKeue Yeejleer³e eEnoer efveyebOe he´efle³eesefielee meefceefle³eeb) - DekeÀesuee, Yeesheeue (yeQkeÀ), osJeefj³ee, ieesueeIeeì, iJeeefue³ej
» DeefKeue Yeejleer³e eEnoer meWìcesue he´efle³eesefielee (yeQkeÀ), ueKeercehegj (GÊej), ceogjw, heCepeer, je³ehegj (yeQkeÀ), þeCes Deewj
Goeueieg[er keÀe meb³eespekeÀ nw.
» Jeefjÿ DeefOekeÀeefj³eeW kesÀ efueS eEnoer veeseEìie he´efle³eesefielee
» DeefKeue Yeejleer³e eEnoer ieerle-iee³eve he´efle³eesefielee efJeefYeVe Dee³eespeve:
» meYeer mìeHeÀ meom³eeW kesÀ efueS eEnoer meeceev³e %eeve keÀer “ keWÀêer³e ®eQefhe³eve » efle©Jeveblehegjce #es$e kesÀ mìeHeÀ ves iee³ekeÀ uelee cebiesMekeÀjpeer kesÀ ieerleeW keÀe
he´efle³eesefielee “ SkeÀ keÀe³e&¬eÀce he´mlegle efkeÀ³ee pees ³etìîetye hej Yeer GheueyOe nw. ³en GvnW SkeÀ
Yee<ee efMe#eCe - 10 Yeejleer³e Yee<eeDeeW ( yeebiuee, iegpejeleer, keÀVeæ[, keÀeWkeÀCeer, mebieerlece³e Þe×ebpeefue Leer Deewj eEnoer keÀes yeæ{eJee osves keÀe SkeÀ he´³eeme Lee.
ceue³eeuece, cejeþer, hebpeeyeer , leefceue, lesuegieg Deewj Gefæ[³ee) keÀes Deemeeveer » vejkeÀeme cesjþ kesÀ lelJeeJeOeeve ceW #es$eer³e keÀe³ee&ue³e cesjþ ves efoveebkeÀ
mes meerKeves kesÀ efueS kesÀvêer³e keÀe³ee&ue³e Üeje Deeb®eefuekeÀ keÀe³ee&ue³e/#es$eer³e 26.04.2022 keÀes eEnoer iee³eve he´efle³eesefielee keÀe Dee³eespeve efkeÀ³ee.
keÀe³ee&ue³e/meerSue[er keÀer ceoo mes meWì mejue F&-hegmlekeWÀ lew³eej keÀer ieF¥.
» #es$eer³e keÀe³ee&ue³e yejsueer Üeje yeQkeÀ vejekeÀeme yejsueer kesÀ lelJeeJeOeeve ceW
hegmlekeWÀ - keWÀêer³e keÀe³ee&ue³e SJeb meYeer (10) Deb®eueeW Üeje efJeefYeVe yeQeEkeÀie Yee<eCe he´efle³eesefielee keÀe Dee³eespeve efkeÀ³ee ie³ee.
efJe<e³eeW pewmes- nceejs Kegoje Glheeo , ke=Àef<e Glheeo, pecee Glheeo, $eÝCe Glheeo , » efoveebkeÀ 14.04.2022 keÀes yeeyee meensye YeercejeJe Deebyes[keÀj keÀer 131JeeR
yeQeEkeÀie OeesKeeOeæ[er efveJeejCe , he´yebOekeÀer³e o#elee , mejkeÀejer J³eJemee³e, ie´enkeÀ pe³evleer kesÀ DeJemej hej #es$eer³e keÀe³ee&ue³e hegCes ves mebefJeOeeve , meeceev³e Deewj
mesJee , ef[efpeìue eEnoer , nceejs ef[efpeìue yeQeEkeÀie Glheeo SJeb SceSmeSceF& kesÀ yeQeEkeÀie %eeve mes mebyebefOele SkeÀ Dee@veueeFve he´efle³eesefielee keÀe Dee³eespeve efkeÀ³ee.
mebyebOe ceW efJeÊeer³e efJeJejCe hej eEnoer Yee<ee ceW kegÀue 11 hegmlekeWÀ (he´l³eskeÀ Üeje
» meYeer keÀe³ee&ue³eeW Üeje efJeée eEnoer efoJeme keÀe Dee³eespeve efkeÀ³ee ie³ee.
SkeÀ) lew³eej keÀer ie³eer nQ.
efJeheCeve efJeYeeie :
`mesvì^ueeFì’ - efleceener efÜYee<eer ie=n heef$ekeÀe ‘mesvì^ueeFì’ SJeb efleceener eEnoer » Je<e& 2019 ceW keWÀêer³e keÀe³ee&ue³e mlej hej ve³ee ceekexÀeEìie Jee|ìkeÀue mLeeefhele
ie=n heef$ekeÀe ‘mesvì^ue cebLeve’ keÀe efve³eefcele he´keÀeMeve nes jne nw. efkeÀ³ee ie³ee nw. ceekexÀeEìie Jee|ìkeÀue ceW efvecve Meeefceue nQ:
jepeYee<ee he´oMe&efve³eeb - efJeefYeVe jepeYee<ee he´oMe&efve³eeW kesÀ ªhe ceW, eEnoer 1) efJeheCeve efJeYeeie.
hegmlekeÀ he´oMe&veer, eEnoer keÀe³e& he´oMe&veer, eEnoer JneìdmeShe mebosMe he´oMe&veer, eEnoer 2) keÀe@heexjsì mebhe´s<eCe efJeYeeie
DevegJeeo he´oMe&veer Deewj eEnoer heef$ekeÀe he´oMe&veer Deeefo keÀe Dee³eespeve nceejs 3) pevemebheke&À efJeYeeie
Deeb®eefuekeÀ keÀe³ee&ue³eeW Deewj #es$eer³e keÀe³ee&ue³eeW Üeje efkeÀ³ee ie³ee Lee.
4) meesMeue ceeref[³ee efJeYeeie
5) keÀe@heexjsì meeceeefpekeÀ oeef³elJe pees Deepe ef[efpeìue ceekexÀeEìie keÀe meyemes yeæ[e ªhe nw Deewj meYeer he´cegKe meesMeue
1. efJeheCeve efJeYeeie : nQ[ue pewmes HesÀmeyegkeÀ, eqìdJeìj, Fbmìeie´ece , eEuekeÌ[Fve Deewj ³etìîetye ceW ceewpeto
nw.
» efJeheCeve DeefOekeÀejer leLee MeeKee he´yebOekeÀ/ MeeKee kesÀ Ghe-he´Yeejer kesÀ
Ghe³eesie kesÀ efueS meeLe ner meeLe he´MeemeefvekeÀ keÀe³ee&ue³eeW Üeje ueer[dme keÀer yeQkeÀ efceuesefve³eume Deewj pevejsMeve-pes[ ie´enkeÀeW keÀer hemeboeroe hemebo yeveves
efveiejeveer keÀjves leLee GmekeÀes heb®e keÀjves efueS ceekexÀefìie heesì&ue efJekeÀefmele kesÀ Deheves he´³eeme ceW ye´eb[ OeejCee efJekeÀefmele keÀjves kesÀ efueS Deheves ef[efpeìue
efkeÀ³ee ie³ee nw. ceekexÀeEìie he´³eemeeW keÀes ieefle osves keÀer F®íe jKelee nw.
» ceekexÀeEìie ìerce cegK³e ªhe mes efjìsue, SceSmeSceF& Deewj keÀemee hej O³eeve
keWÀefêle keÀjleer nw. yeQkeÀ keÀeHeÀer mece³e mes ef[efpeìue yeQeEkeÀie keÀer yeæ{leer ogefve³ee ceW Deheveer GheeqmLeefle
cenmetme keÀjJeeves kesÀ efueS kegÀí ef[efpeìue ceekexÀeEìie DeefYe³eeve ®euee jne nw.
jCeefveleer
» efJeYeeie ves kegÀue `5445 keÀjesæ[ keÀer jeefMe kesÀ 14828 ueer[ ceesefyeueeFpe
efkeÀ³ee, efpemeceW mes 9718 ueer[ keÀes `2494 keÀjesæ[ kesÀ J³eJemee³e ceW Fmes Deewhe®eeefjkeÀ DeekeÀej osves kesÀ efueS, yeQkeÀ ves Deye SkeÀ keÀoce Deeies yeæ{keÀj
heefjJee|lele efkeÀ³ee ie³ee. ef[efpeìue ceekexÀeEìie ³eespeveeDeeW keÀes Dee¬eÀecekeÀ ªhe mes Deeies yeæ{eves kesÀ efue³es
efJeÊeer³e Je<e& 2021-22 ceW ef[efpeìue ceekexÀeEìie SpeWefme³eeW keÀes met®eerye× efkeÀ³ee
» efceme keÀe@ue keÀer megefJeOee pegueeF& ‘21 ceW Megª keÀer ieF& Leer. efpemekesÀ ceeO³ece nw.
mes MeeKeeDeeW keÀes Deie´sef<ele kegÀue 601 ueer[ kesÀ lenle ` 117.24 keÀjesæ[ nw,
efpemeceW mes 256 ueer[ keÀes 60.08 keÀjesæ[ ©he³es kesÀ J³eJemee³e ceW heefjJee|lele Deeves Jeeues Je<eeX ceW nceeje yeQkeÀ ef[efpeìue ceekexÀeEìie kesÀ he´YeeJeer Ghe³eesie kesÀ meeLe
efkeÀ³ee ie³ee. yeQeEkeÀie kesÀ meYeer #es$eeW ceW ceekexÀì ueer[j yeveves kesÀ efueS Deeéemle nw.
» #es$eer³e keÀe³e&keÀlee&DeeW, efJeMes<e ªhe mes efJeheCeve DeefOekeÀeefj³eeW kesÀ efueS
Dee@veueeFve he´efMe#eCe he´oeve keÀjvee . 2. keÀe@heexjsì mebhe´s<eCe efJeYeeie
met®evee
keÀe@heexjsì mebhe´s<eCe efJeYeeie ye´ebeE[ie, Glheeo efJeheCeve Deewj keÀe@heexjsì mebhe´s<eCe
» HeÀeru[ ceW keÀece keÀjves Jeeues mìeHeÀ meom³eeW keÀer megefJeOee nsleg ceekexÀeEìie
keÀer efoMee ceW yeQkeÀ keÀer henue nsleg GÊejoe³eer nw. efJeYeeie ves osMe Yej ceW
heesì&ue keÀes Deewj DeefOekeÀ megueYe yevee³ee ie³ee.
ye´ebeE[ie keÀer Deheveer he´ef¬eÀ³ee keÀes ¢{ efkeÀ³ee nw Deewj efkeÀmeer Yeer ye´ebeE[ie
» hewve Fbef[³ee DeeOeej hej ueer[ ªheeblejCe kesÀ meboYe& ceW efleceener Devegmeej Meer<e& ieefleefJeefOe³eeW keÀes Megª keÀjves kesÀ efueS SkeÀ Ghe³egÊeÀ he´ef¬eÀ³ee efveOee&efjle keÀer
10 he´oMe&ve keÀjves JeeueeW (efJeheCeve DeefOekeÀeefj³eeW) keÀes he´Mebmee he$e peejer nw.
efkeÀS ieS.
keÀesefJe[ 19 ceneceejer kesÀ oewjeve, yeQkeÀ ves Fc³etve Fbef[³ee ef[hee@efpeì mkeÀerce
» meYeer #es$eeW Deewj efJeheCeve DeefOekeÀeefj³eeW keÀes owefvekeÀ he´oMe&ve keÀer efveiejeveer veece mes SkeÀ ve³ee pecee Glheeo he´ejcYe efkeÀ³ee Lee. peye, ceneceejer kesÀ
kesÀ efueS owefvekeÀ DeeOeej hej efheíues efove kesÀ efcem[ keÀe@ue kesÀ [sìe kesÀ meeLe keÀejCe hetjer ogefve³ee he´YeeefJele ngF&, yeQkeÀ ves Deheves ceewpetoe ie´enkeÀeW keÀes
®eej mueeF[ DeLee&le ceekexÀeEìie heerheerìer, efceme keÀe@ue keÀe efJeJejCe, ìe@he Deewj De®ís mJeemL³e kesÀ meeLe efHeÀj mes Deeies yeæ{ves ceW ceoo keÀer. yeQkeÀ ves Gve
yee@ìce 10 #es$e, he´oeve efkeÀ³ee ie³ee. ueesieeW keÀes DeefleefjÊeÀ y³eepe keÀe Yegieleeve efkeÀ³ee Lee efpevnW keÀesefJe[ -19
efjheesì&
» efheíues Je<e& kesÀ ue#³e ` 3410 keÀjesæ[ kesÀ cegkeÀeyeues 4400 keÀjesæ[ ©he³es JewkeÌmeerve keÀe keÀce mes keÀce SkeÀ pewye efo³ee ie³ee Lee.
keÀe kegÀue ue#³e efveOee&efjle efkeÀ³ee ie³ee. ì^wefHeÀkeÀ yewefjkesÀ[dme, vees heee\keÀie yees[&, hegefueme yetLe, Jee@ue heWeEìie, yeme,
ef[efpeìue ceekexÀeEìie SJeb FmekeÀe J³eJemee³e meb®eeueve hej he´YeeJe : ì^sve, ueeskeÀue kesÀyeue ®ewveue, SHeÀSce jsef[³ees pewmeer heejbheefjkeÀ ye´ebeE[ie kesÀ
» ie´enkeÀ mebheke&À - ef[efpeìue huesìHeÀe@ce& ves ye´eb[ Deewj oMe&keÀeW kesÀ yeer®e DeueeJee efJeYeeie ves efJeefYeVe Sshe Deewj JesyemeeFìeW hej ef[efpeìue ceekexÀeEìie
Deemeeve Deewj lJeefjle mebhe´s<eCe keÀes me#ece efkeÀ³ee nw. ³en JeweféekeÀ oMe&keÀeW mes kesÀ ceeO³ece mes Deheves efJeefYeVe GlheeoeW Deewj mesJeeDeeW keÀes yeæ{eJee osves keÀer
pegæ[ves ceW Yeer ceoo keÀjlee nw. J³eJemLee keÀer Leer.
» meeceie´er efJelejCe – he´efle efove mebieþve meesMeue ceeref[³ee, F&-cesue, yeQkeÀ kesÀ efJeefYeVe GlheeoeW Deewj mesJeeDeeW pewmes ie=n $eÝCe, Jeenve $eÝCe,
SeqhuekesÀMeve, v³etpe uesìj Deeefo kesÀ ceeO³ece mes oMe&keÀeW kesÀ meeLe J³eehekeÀ efMe#ee $eÝCe, ke=Àef<e $eÝCe, SceSmeSceF& $eÝCe Deewj ef[efpeìue GlheeoeW keÀes
yeæ{eJee osves kesÀ efueS efJeefYeVe he´cegKe ieefleefJeefOe³eeb / he´e³eesefpele keÀe³e&¬eÀce
efJeÊeer³e
meeceie´er meePee keÀjlee nw. Fme he´keÀej mebieþve Deemeeveer mes Deheves mebosMe
Del³eeefOekeÀ oMe&keÀeW lekeÀ hengb®ee mekeÀlee nw. Dee³eesefpele efkeÀ³es.
» ie´enkeÀ peevekeÀejer - he´ewÐeesefiekeÀer keÀer ceoo mes mebieþve ie´enkeÀeW kesÀ [sìe yeQkeÀ kesÀ Glheeo Deewj mesJeeDeeW keÀer ye´ebeE[ie nsleg efJeefYeVe ceeref[³ee ®ewveue
keÀes ì^wkeÀ keÀj mekeÀlee nw. [sìe keÀe efJeMues<eCe nceW ie´enkeÀeW keÀer hemebo Deewj pewmes eEhe´ì, FueskeÌì^e@efvekeÀ / ef[efpeìue / meesMeue, DeeGì[esj ceeref[³ee,
Jejer³eleeDeeW keÀes peeveves ceW ceoo keÀj mekeÀlee nw. efpemekesÀ DeeOeej hej nce SìerSce Deeefo keÀe he´³eesie efkeÀ³ee ie³ee. efJeYeeie keÀe peesj he´emebefiekeÀ yeves
cenlJehetCe& J³eeJemeeef³ekeÀ efveCe&³e ues mekeÀles nQ. jnves SJeb yeQkeÀ keÀes meyemes peerJeble Deewj Yejesmescebo ye´eb[eW ceW mes SkeÀ kesÀ ªhe
ceW mLeeefhele keÀjves kesÀ efueS SkeÀ heefjJee|lele Glhe´sjkeÀ keÀer lejn keÀe³e& keÀjves
» veJeesvces<e he´eslmeenve - ef[efpeìue ceekexÀeEìie SkeÀ DeefYeveJe lejerkesÀ mes nsleg Deheveer meYeer ye´ebeE[ie keÀes ueieeleej meMeesefOele SJeb mebJee|Oele keÀjvee nw.
ie´enkeÀeW lekeÀ hengb®eves kesÀ efueS SkeÀ ceb®e he´oeve keÀjlee nw. peye yeepeej ceW
keÀæ[er he´eflemheOee& nesleer nw lees SkeÀ DeefYeveJe ¢eqäkeÀesCe jKeves mes ye´eb[eW keÀes Je<e& kesÀ oewjeve nceejs yeQkeÀ kesÀ GlheeoeW SJeb mesJeeDeeW kesÀ J³eehekeÀ
hen®eeve yeveeves ceW ceoo efceueleer nw. he´®eej Je ¢M³elee nsleg osMeYej ceW ke=Àle he´cegKe he´®eej ieefleefJeefOe³eeb
efvecveevegmeej nQ :
nceejs yeQkeÀ ves meesMeue ceeref[³ee huesìHeÀe@ce& ceW SkeÀ cepeyetle hewj pecee efue³ee nw,
» 2020 ìeske̳ees hewjeeEueefhekeÀ KesueeW keÀe he´e³eespeve.
» yeQkeÀ kesÀ 111JeW mLeehevee efoJeme kesÀ DeJemej hej meerSveyeermeer ìerJeer 18 » ie´enkeÀeW keÀes nceejs GlheeoeW/³eespeveeDeeW keÀer efJeMes<eleeDeeW mes DeJeiele
Deewj F&ìer veeG ®ewveueeW hej yeQkeÀ keÀe efJe%eeheve. keÀjeves kesÀ efueS efJeefYeVe ye´eb[ Jeelee&ueehe DeefYe³eeve ®eueeS ieS.
» efJeÊe Je<e& 2020-21 kesÀ efueS yeQkeÀ keÀer meeOeejCe Jeee|<ekeÀ efjheesì& » nceejs S[ermeer (JewkeÀequhekeÀ efJelejCe ®ewveue) keÀes yeæ{eJee osves kesÀ efueS
keÀe cegêCe Deewj Deehete|le. efJeefYeVe DeefYe³eeveeW keÀe mecevJe³e efkeÀ³ee ie³ee.
» efMe#ekeÀ efoJeme hej efMe#ekeÀeW keÀe DeefYevebove » ye´eb[ peeieªkeÀlee hewoe keÀjves Deewj mebYeeefJele ie´enkeÀeW lekeÀ hengb®eves kesÀ
» ceefnuee keWÀefêle ³eespeveeDeeW pewmes meWì ie=n ue#ceer ie=n $eÝCe Deewj meWì efueS nceejs meesMeue ceeref[³ee huesìHeÀe@ce& kesÀ ceeO³ece mes efJeefYeVe he´mleeJeeW
Jeeefnveer Jeenve $eÝCe ³eespevee keÀe he´®eej. Deewj ³eespeveeDeeW keÀer peevekeÀejer he´meeefjle keÀer ieF&.
» ueeue efkeÀuee, ®eeboveer ®eewkeÀ, veF& efouueer ceW nese\[ie kesÀ ceeO³ece mes » Dee]peeoer kesÀ Dece=le ceneslmeJe keÀer efJeefYeVe ieefleefJeefOe³eeW keÀes nceejs
efJe%eeheve meesMeue ceeref[³ee huesìHeÀe@ce& hej SkesÀSSce nwMeìwie kesÀ meeLe yevee³ee
Deewj meePee efkeÀ³ee ie³ee Lee.
» ceeF& SHeÀSce, js[ SHeÀSce Deewj jsef[³ees efmeìer hej jsef[³ees eEpeieue
» Yeejle mejkeÀej kesÀ ef[efpeìue Fbef[³ee DeefYe³eeve ceW Yeeie efue³ee.
» veF& efouueer ceW 40JeW Yeejle Debleje&ä^er³e J³eeheej cesuee 2021 keÀe
he´e³eespeve » ie´enkeÀ mesJee Glke=Àälee kesÀ efueS Deewj efMekeÀe³eleeW kesÀ lelkeÀeue efveJeejCe
kesÀ efueS ceF& 2021 kesÀ cenerves ceW SkeÀ efMekeÀe³ele efveJeejCe he´keÀesÿ keÀer
» DeeF&Deejmeerìermeer JesyemeeFì kesÀ ³ee$eer efJeJejCe he=ÿ kesÀ Meer<e& hej yeQkeÀ mLeehevee keÀer ieF& Leer.
keÀe efJe%eeheve.
» nceejs meesMeue nQ[ue ceW efìhheefCe³eeW/he´MveeW/efMekeÀe³eleeW keÀes nceejs Dee@
» SHeÀDeeF&yeerSmeer (efHeÀkeÌkeÀer) 2021 keÀe he´e³eespeve. veueeFve he´efleÿe he´yebOeve (DeesDeejSce) ìtue keÀer ceoo mes efve³ebef$ele
» ie´eceerCe meæ[keÀeW SJeb hegueeW kesÀ efvecee&Ce ceW veF& he´ewÐeesefieefkeÀ³eeW Deewj efkeÀ³ee pee jne nw Deewj meesMeue ceeref[³ee ceW Gef®ele GÊej heesmì efkeÀS
efìkeÀeT meeceie´er hej Debleje&ä^er³e meccesueve keÀe he´e³eespeve. pee jns nQ.
3. pevemebheke&À efJeYeeie- » Deewmeleve nceW he´efleefove 150 mes 200 efMekeÀe³eleW he´ehle nesleer nQ efpevekeÀe
» efJeefYeVe efJeYeeieeW mes he´ehle he´sme efJe%eeqhle³eeW keÀes peejer efkeÀ³ee ie³ee. meceeOeeve Gmeer efove keÀj efo³ee peelee nw.
» $ewceeefmekeÀ efJeÊeer³e heefjCeece Deewj efJeefYeVe cenlJehetCe& DeJemejeW keÀer » efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve ie´enkeÀeW mes 302 mejenveeSb efceueer,
Iees<eCee kesÀ mece³e he´sme ceerì Deewj Sveeefuemì ceerì keÀe Dee³eespeve. efpevekeÀer eE®eleeDeeW keÀes otj efkeÀ³ee ie³ee Lee.
» nceejs Meer<e& he´yebOeve Deewj cegbyeF& Deeves Jeeues efJeefYeVe mejkeÀejer » Deueie-Deueie efJeYeeieeW mes mebyebefOele efMekeÀe³eleeW kesÀ MeerIe´ meceeOeeve kesÀ
/ Yeejleer³e efj]peJe& yeQkeÀ DeefOekeÀeefj³eeW / efveosMekeÀeW kesÀ efueS efueS ceeceues lelkeÀeue osKes pee jns nw.
he´esìeskeÀe@ue keÀle&J³eeW keÀe mecevJe³e efkeÀ³ee ie³ee. 31 cee®e& 2022 lekeÀ meesMeue ceeref[³ee huesìHeÀe@ce& hej HeÀe@ueesDeme&
» nceejs yees[& meef®eJeeue³e Deewj megj#ee / heefjJenve efJeYeeie kesÀ meeLe yees[& / ueeFkeÀ :
men he´yebOe meefceefle keÀer yewþkeÀeW kesÀ efueS mecevJe³eve. eqìdJeìj - 49469 HeÀeueesDej
» Sceyeer[er efJeYeeie kesÀ meeLe nceejs yeQkeÀ keÀer Jeee|<ekeÀ Deece meYee keÀer HesÀmeyegkeÀ - 133207 ueeFkeÀ
yewþkeÀ kesÀ efueS mecevJe³eve. Fbmìeie´ece - 3445 HeÀeueesDej
eEuekeÌ[Fve - 4700 HeÀeueesDej
4. meesMeue ceeref[³ee - ³etìîetye - 8510 HeÀeueesDej
meesMeue ceeref[³ee Deepe ef[efpeìue ceekexÀeEìie keÀe meyemes he´cegKe ªhe yeve ie³ee
nw. nceejs yeQkeÀ kesÀ meesMeue ceeref[³ee huesìHeÀe@ce& keÀer Meg©Deele ef[efpeìue 5. keÀe@heexjsì meeceeefpekeÀ GÊejoeef³elJe
ceeref[³ee keÀer ogefve³ee ceW Deheveer GheeqmLeefle ope& keÀjeves Deewj Fve huesìHeÀe@ce& » meerSmeDeej J³eJemee³e Üeje keÀe³e&yeue SJeb GvekesÀ heefjJeejeW kesÀ meeLe-
hej Deheves GlheeoeW SJeb mesJeeDeeW keÀes yeæ{eJee osves nsleg keÀer ieF& Leer. Fmeves meeLe mecegoeef³ekeÀ peerJeve keÀer iegCeJeÊee ceW megOeej meefnle Deewj meceie´
nceejs yeQkeÀ keÀes ceewpetoe Deewj mebYeeefJele ie´enkeÀeW kesÀ yeer®e peeieªkeÀlee hewoe ªhe mes meceepe kesÀ Deee|LekeÀ efJekeÀeme ceW ³eesieoeve keÀjves kesÀ efueS
keÀjves ceW ceoo keÀer nw. nceves HesÀmeyegkeÀ, eqìdJeìj, Fbmìeie´ece, eEuekeÌ[Fve efvejblej he´efleye×lee nw.
Deewj ³etìîetye pewmes huesìHeÀe@ce& hej meHeÀueleehetJe&keÀ Deheveer GheeqmLeefle ope&
keÀjeF& nw. meesMeue ceeref[³ee keÀer ceoo mes, nce DeesDeejSce (Dee@veueeFve » efMe#ee, mJeemL³e, he´eke=ÀeflekeÀ DeeheoeDeeW Deewj meceepe kesÀ meceie´
jshegìsMeveue cewvespeceWì) veecekeÀ ìtue kesÀ meeLe ceewpetoe Deewj mebYeeefJele meeceeefpekeÀ keÀu³eeCe nsleg meceepe kesÀ iejerye, efheíd[s ueesieeW kesÀ GlLeeve
ie´enkeÀeW kesÀ he´MveeW Deewj efMekeÀe³eleeW keÀes nue keÀjves Deewj nue keÀjves keÀer nsleg keÀece keÀjves Jeeues mebieþve / ì^mì kesÀ ceeO³ece mes meerSmeDeej kesÀ
efvejblej he´ef¬eÀ³eejle nQ. lenle oeve keÀjvee nceejer efvejblej he´efleye×lee nw.
meesMeue ceeref[³ee ieefleefJeefOe³eeW keÀer cegK³e efJeMes<eleeSb veer®es oer ieF& nQ: » efJeÊe Je<e& 2021-22 nsleg meerSmeDeej yepeì Metv³e Lee ke̳eeWefkeÀ efJeÊe
Je<e& 2020-21 kesÀ oewjeve yeQkeÀ keÀes Ieeìe ngDee Lee.
» efJeYeeie Üeje owefvekeÀ DeeOeej hej Deewj mecekeÀ#e efJeYeeieeW mes he´ehle
efJe®eejeW hej Yeer ¬esÀSefìJe yeveeS ieS nQ Deewj heesmì efkeÀS pee jns nQ. meleke&Àlee
he´Ceeueeriele megOeej :
» efJeYeeie ves [erSHeÀSme, SveheermeerDeeF&, efJeÊe ceb$eeue³e, Yeejleer³e efj]peJe&
yeQkeÀ Deewj Dev³e mejkeÀejer mebmLeeveeW kesÀ efJeefYeVe DeefYe³eeve ®eueeS. Je<e& kesÀ oewjeve efvecveefueefKele he´Ceeueeriele megOeej efkeÀS ieS:
» SveheerS KeeleeW mes pegæ[s KeeleeW kesÀ efueS hee@he Dehe mebosMe meerJnermeer kesÀ efveoxMeeW kesÀ Devegmeej, yeQkeÀ ves keÀce&®eeefj³eeW kesÀ efueS 26 Jeeo-
» efJeYeeieer³e peeb®e keÀjves kesÀ efueS DevegyebOe kesÀ DeeOeej hej mesJeeefveJe=Êe efJeJeeo keÀe³e&¬eÀce Yeer Dee³eesefpele efkeÀS. meleke&Àlee peeieªkeÀlee mehleen DeJeefOe
DeefOekeÀeefj³eeW keÀer efve³egefÊeÀ kesÀ oewjeve DeefKeue Yeejleer³e mlej hej SkeÀ he´MveesÊejer he´efle³eesefielee Dee³eesefpele
» efyepevesme keÀe@jsmheeW[Wì hJeeFbì keÀe DeekeÀeqmcekeÀ Deew®ekeÀ efvejer#eCe. keÀer ieF& efpemeceW 1386 ves Yeeie efue³ee. yeQkeÀ ves hetjs Yeejle ceW ie´enkeÀ efMekeÀe³ele
» $eÝCe he´esmeseEmeie Sb[ Dehe´tJeue meWìj - meerheerSmeer cee@[ue Deewj ueW[mesHeÀ, efveJeejCe hej 1169 keÀe³e&¬eÀce/efMeefJejeW keÀe Dee³eespeve efkeÀ³ee Lee. hetjs leerve keWÀêeW
keÀecekeÀepe ceW megOeej keÀer iegbpeeFMe. hej SHeÀSce ®ewveueeW hej heerDeeF&[erheerDeeF& hej jsef[³ees eEpeieume keÀes meleke&Àlee
peeieªkeÀlee mehleen kesÀ oewjeve he´meeefjle efkeÀ³ee ie³ee Deewj yeQkeÀ kesÀ Kegoje
meleke&Àlee peeieªkeÀlee mehleen 2021: GlheeoeW kesÀ efJe%eeheve kesÀ meeLe he´meeefjle efkeÀ³ee ie³ee.
meerJeermeer mes he´ehle efveoxMeeW kesÀ Devegmeej, yeQkeÀ Üeje 26.10.2021 mes
01.11.2021 lekeÀ “meleke&Àlee peeieªkeÀlee mehleen 2021” keÀes mener meleke&Àlee peeieªkeÀlee mehleen kesÀ oewjeve nceejs yeQkeÀ kesÀ efJeefYeVe mLeeveeW hej 1
jCeefveleer
YeeJevee Deewj Fme Je<e& keÀer Leerce “mJeleb$e Yeejle @ 75: DeKeb[lee kesÀ meeLe Je=#eejesheCe keÀe³e&¬eÀce, 12 Jee@keÀLee@ve, 3 ef¬eÀkesÀì cew®e, 3 keÀej jwefue³eeb, SkeÀ
DeelceefveYe&jlee” kesÀ Devegªhe cevee³ee ie³ee. efoveebkeÀ 26.10.2021 keÀes kesÀvêer³e he´oMe&veer Deewj SkeÀ ceeveJe Þe=bKeuee ieefleefJeefOe³eeW keÀe Dee³eespeve efkeÀ³ee ie³ee.
keÀe³ee&ue³e kesÀ efJeefYeVe efJeYeeieeW ceW keÀe³e&jle keÀce&®eeefj³eeW keÀes MeheLe efoueeF& Ye´äe®eej kesÀ og<heefjCeeceeW hej DeebleefjkeÀ he´efleYeeefie³eeW kesÀ meeLe SkeÀ Jeeref[³ees
ieF&. nceejs yeQkeÀ Üeje he´e³eesefpele meYeer 10 Deeb®eefuekeÀ keÀe³ee&ue³eeW, 90 #es$eer³e efHeÀuce keÀe ceb®eve efkeÀ³ee ie³ee Deewj heerDeeF&[erheerDeeF& kesÀ lenle efMekeÀe³eleeW hej
keÀe³ee&ue³eeW Deewj yeQkeÀ keÀer meYeer 4594 MeeKeeDeeW Deewj 2 #es$eer³e ie´eceerCe yeQkeÀeW J³eehekeÀ he´®eej efkeÀ³ee ie³ee. FmekesÀ DeueeJee meYeer keWÀêeW hej mìeHeÀ meom³eeW kesÀ
ceW Yeer Fmeer lejn kesÀ meceejesn Dee³eesefpele efkeÀS ieS Les. ye®®eeW kesÀ efueS SkeÀ Jeeref[³ees he´efle³eesefielee Yeer Dee³eesefpele keÀer ieF& efpemeceW 328
ye®®eeW ves hetjs GlmeenhetJe&keÀ Yeeie efue³ee.
meerJeermeer JesyemeeFì hej ie´enkeÀeW SJeb mìeHeÀ keÀes F&-MeheLe uesves nsleg DeKeb[lee
he´efle%ee’ kesÀ efueS neFhejeEuekeÀ he´oeve efkeÀ³ee ie³ee. keÀe@heexjsì keÀe³ee&ue³e mlej hej meleke&Àlee peeieªkeÀlee mehleen kesÀ oewjeve “$eÝCe
Deewj heefj®eeueve - uesKeehejer#ee kesÀ meleke&Àlee henuet” efJe<e³e hej SkeÀ Dee@veueeFve
pewmee efkeÀ Dee³eesie Üeje Jeebefíle Lee, Gve DeebleefjkeÀ (neGmekeÀereEheie) ieefleefJeefOe³eeW J³eeK³eeve Dee³eesefpele efkeÀ³ee ie³ee Lee, efpemeceW 100 mes DeefOekeÀ DeebleefjkeÀ uesKee
met®evee
hej hetje O³eeve kesÀeqvêle efkeÀ³ee ie³ee, efpevnW meleke&Àlee peeieªkeÀlee mehleen kesÀ hejer#ekeÀeW ves Yeeie efue³ee nw. Fmeer lejn, yeQkeÀ kesÀ Dev³e #es$eeW ceW Yeer meleke&Àlee
Yeeie kesÀ ªhe ceW DeefYe³eeve ceW efue³ee ie³ee Lee. henuegDeeW hej 5 J³eeK³eeve Dee³eesefpele efkeÀS ieS.
efJeefYeVe ceb®eeW kesÀ ceeO³ece mes mebieþve keÀer veerefle³eeW / he´ef¬eÀ³eeDeeW Deewj efveJeejkeÀ yeQkeÀ ves hetjs osMe ceW heeb®e DeefleefLe J³eeK³eeve Dee³eesefpele efkeÀS Les efpemeceW hegefueme,
Ghee³eeW hej keÀce&®eeefj³eeW, GvekesÀ efjMlesoejeW Deewj Dev³e efnleOeejkeÀeW kesÀ efueS meeryeerDeeF& Deeefo kesÀ Jeefjÿ DeefOekeÀeefj³eeW keÀes mìeHeÀ meom³eeW keÀes mebyeesefOele
156 keÀe³e&MeeueeSb / mebJesoerkeÀjCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS ieS. keÀjves kesÀ efueS Deecebef$ele efkeÀ³ee ie³ee Lee.
ceeveJe mebmeeOeve efJekeÀeme efJeYeeie
³eespevee keÀe veece efJeJejCe
keÀee|cekeÀ MeefÊeÀ cee®e&-2022 kesÀ Deble ceW, yeQkeÀ kesÀ keÀce&®eeefj³eeW keÀer mebK³ee efheíues Je<e& kesÀ 32335 keÀer leguevee ceW 30289 Leer.
efjheesì&
keÀce&®eeefj³eeW keÀe ÞesCeerJeej efJeJejCe veer®es efo³ee ie³ee nw:
ÞesCeer cee®e&-18 cee®e&-19 cee®e& 20 cee®e& 21 cee®e& 22
DeefOekeÀejer 17166 16868 16563 16565 16248
efueefhekeÀ 12300 11766 10356 9761 8415
DeefOevemLe 7377 7041 6562 6009 5626
³eesie 36843 35675 33481 32335 30289
Yeleea Deewj heoesVeefle Je<e& 2021-22 kesÀ oewjeve veF& Yeleea:-
» efJeMes<e%e DeefOekeÀejer- 12 efJeÊeer³e
jCeefveleer
keÀce&®eejer efJekeÀeme keÀe³e&efve<heeove he´yebOeve he´Ceeueer (heerSceSme): -
SheerSDeej mes keÀe³e&efve<heeove he´yebOeve he´Ceeueer (heerSceSme) ceW GVe³eve he´cegKe ceeveJe mebmeeOeve henueeW ceW mes SkeÀ jne nw. Je<e&
2021-22 kesÀ efueS heerSceSme cee@[îetue Megª efkeÀ³ee ie³ee Lee.
DeO³e³eve Deewj efJekeÀeme: -
Je<e& 2021-22 kesÀ he´efMe#eCe kewÀueW[j keÀes yeQkeÀ keÀer J³eJemee³e ³eespevee kesÀ Devegªhe yevee³ee ie³ee Lee. he´efMe#eCe keÀe cegK³e
HeÀeskeÀme yeQkeÀ ceW Devegheeueve mebmke=Àefle keÀe efvecee&Ce, yeQkeÀ keÀe meer[er Devegheele yeæ{evee, mebheefÊe keÀer iegCeJeÊee ceW megOeej, ueeYe
yeæ{evee Deewj ef[efpeìue heQþ yeæ{evee Lee.
FmekesÀ efueS efJeÊe Je<e& 2022 ceW leerve DeefOekeÀejer he´efMe#eCe ceneefJeÐeeue³eeW Deewj 15 meerSue[er Üeje efvecveefueefKele
keÀe³e&¬eÀce Dee³eesefpele efkeÀS ieS:
met®evee
» yeQkeÀ ceW Devegheeueve mebmke=Àefle:
» yeQeEkeÀie ceW Devegheeueve mebmke=Àefle
» DeebleefjkeÀ uesKee hejer#ekeÀeW kesÀ efueS MeeKeeDeeW keÀer he´YeeJeer uesKeehejer#ee
» uesKeehejer#ee Deewj Devegheeueve
» yeQkeÀ keÀe meer[er Devegheele yeæ{evee:
» $eÝCe keÀes mecePevee: keÀe@heexjsì $eÝCe Deewj SceSmeSceF&
» ke=Àef<e FbHe´Àe $eÝCe Deewj ke=Àef<e ceW $eÝCe cee@efveìeEjie
» heerSme $eÝCe yeæ{evee
efjheesì&
» ke=Àef<e heesì&HeÀesefue³ees lew³eej keÀjvee
» Kegoje $eÝCe Deewj ueeYehe´olee
» meerheerSmeer JeemlegkeÀuee
» meWì he´ieefle ³eespevee
Deeefmle keÀer iegCeJeÊee ceW megOeej:
» mejHesÀmeer DeefOeefve³ece, Jeenve he´Jele&ve hej SmeDeesheer
» Jemetueer ìtume
efJeÊeer³e
jCeefveleer
SHeÀDeeF&SceSce[erS Deeefo Üeje meb®eeefuele efJeMes<e he´efMe#eCe keÀe³e&¬eÀce kesÀ efueS efJeefYeVe mlejeW kesÀ 391 DeefOekeÀeefj³eeW
keÀes veeefcele efkeÀ³ee ie³ee.
» DeefOekeÀeefj³eeW kesÀ efueS ³etefve]HeÀe@ce& efce[-kewÀefj³ej he´efMe#eCe mebj®evee yeQkeÀ Üeje DeheveeF& ieF& Leer.
#ecelee efvecee&Ce :-
nceejs yeQkeÀ ceW keÀce&®eeefj³eeW keÀer #eceleeDeeW keÀes yeæ{eves kesÀ efueS ì^spejer, peesefKece, uesKee Deewj $eÝCe efJeYeeieeW ceW cenlJehetCe&
YetefcekeÀe efveYeeves Jeeues 374 keÀce&®eeefj³eeW kesÀ efueS he´ceeCeve DeefveJee³e& keÀj efo³ee ie³ee nw. FmekesÀ DeueeJee, ceeveJe mebmeeOeve
hesMesJejeW kesÀ efueS #ecelee efvecee&Ce kesÀ lenle SmeS®eDeejSce mes S®eDeej he´ceeCeve (meerheer/Smemeerheer) kesÀ efueS 21 DeefOekeÀeefj³eeW
keÀes Yeer veeceebefkeÀle efkeÀ³ee ie³ee nw.
keÀce&®eejer menye×lee :-
met®evee
yeQkeÀ ves keÀce&®eeefj³eeW keÀer mees®e keÀe pee³epee uesves Deewj GlheeokeÀlee yeæ{eves kesÀ efueS keÀce&®eejer pegæ[eJe meJex#eCe efkeÀ³ee Lee
leeefkeÀ keÀce&®eeefj³eeW ceW meceeJesMeve Deewj mece=×lee keÀer YeeJevee keÀes yeæ{eves ceW ceoo keÀjves kesÀ lejerkeÀeW keÀe DeekeÀueve efkeÀ³ee
pee mekesÀ. he´ehle peevekeÀejer mes yeQkeÀ keÀes Deheveer leekeÀle keÀe ueeYe Gþeves Deewj Gve ef®eeqvnle #es$eeW hej keÀece keÀjves ceW ceoo
efceuesieer efpeveceW megOeej keÀer DeeJeM³ekeÀlee nw.
meJex#eCe keÀer ªhejsKee ceW efvecveefueefKele Meeefceue Les: -
keÀce&®eejer meblegeqä Æ keÀce&®eejer menye×lee Æ mebieþve mebmke=Àefle Æ keÀe³e& keÀjves kesÀ efueS meJeexÊece mLeeve
kewÀefj³ej hueeeEveie (GÊejeefOekeÀej ³eespevee):-
Fme he´eflemheOeea ceenewue ceW he´cegKe heoeW kesÀ efueS GÊejeefOekeÀeefj³eeW keÀer hen®eeve keÀjvee Deewj GvekeÀe efJekeÀeme keÀjvee yengle
cenlJehetCe& nw, leeefkeÀ keÀe³ee&lcekeÀ efJeYeeieeW kesÀ efveyee&Oe heefjJele&ve Deewj keÀecekeÀepe kesÀ meeLe-meeLe keÀe³e& kesÀ efueS Ghe³egÊeÀ
efjheesì&
J³eefÊeÀ keÀes megefveeq½ele efkeÀ³ee pee mekesÀ Deewj Fme GÎsM³e kesÀ meeLe yeQkeÀ ves he´espeskeÌì ‘meWì ve®e&j’ Megª efkeÀ³ee Lee. heefj³eespevee
kesÀ lenle, mkesÀue IV Deewj Gmemes Thej kesÀ 1175 hee$e DeefOekeÀeefj³eeW kesÀ efueS GÊejeefOekeÀej ³eespevee DeY³eeme hetje efkeÀ³ee
ie³ee. Fve DeefOekeÀeefj³eeW kesÀ efueS GvekesÀ keÀee|cekeÀ efJekeÀeme Ghee³eeW keÀer ³eespevee Deewj he´yebOeve kesÀ efueS SkeÀ GhekeÀjCe kesÀ
ªhe ceW J³eefÊeÀiele efJekeÀeme ³eespeveeSb (DeeF&[erheer) yeveeF& ieF& nQ. DeeF&[erheer ue#³eeW kesÀ lenle he´ieefle keÀes meWì mJeeO³ee³e heesì&ue
kesÀ ceeO³ece mes ì^wkeÀ efkeÀ³ee peelee nw.
heLe he´oMe&keÀ (ceWìjefMehe) :-
ceWìjefMehe he´ef¬eÀ³ee keÀes SkeÀ veF& henue kesÀ ªhe ceW hesMe efkeÀ³ee ie³ee Lee Deewj ceWìjefMehe he´esie´ece keÀes keÀce&®eejer kesÀ efvejblej
efJekeÀeme Deewj efJekeÀeme keÀe meceLe&ve keÀjves, %eeve kesÀ nmleeblejCe keÀer megefJeOee Deewj nceejs mìeHeÀ (ceWefìme Deewj ceWìme&) ceW
Yeer #eceleeDeeW keÀe efvecee&Ce keÀjves kesÀ efueS Megª efkeÀ³ee ie³ee Lee. ceWìjefMehe ³ee$ee kesÀ ceeO³ece mes, DevegYeJeer DeefOekeÀejer
Dev³e keÀce&®eeefj³eeW keÀes GvekesÀ ue#³eeW Deewj keÀewMeue keÀes mece³e-meerefcele, Deveewhe®eeefjkeÀ, Deeceves-meeceves yeele®eerle Deewj efJeÊeer³e
Dev³e meerKeves keÀer ieefleefJeefOe³eeW keÀer SkeÀ Þe=bKeuee kesÀ ceeO³ece mes efJekeÀefmele keÀjves ceW ceoo keÀjWies.
Fbìve&efMehe :-
nceejs yeQkeÀ ceW Fbìve&efMehe veerefle keÀes efveosMekeÀ ceb[ue Üeje Devegceesefole efkeÀ³ee ie³ee nw Deewj yeeo ceW yeQkeÀ kesÀ efJeefYeVe
efJeYeeieeW ceW 150 Fbìve&efMehe DeJemejeW keÀer hen®eeve keÀer ieF& nw. Fbìve&efMehe keÀe³e&¬eÀce GcceeroJeej keÀer Jejer³elee Deewj Mewef#ekeÀ
efJeMes<e%elee kesÀ Devegmeej efkeÀmeer efJeMes<e efJeYeeie ceW yeQeEkeÀie GÐeesie Deewj J³eeJeneefjkeÀ %eeve keÀe DeJeueeskeÀve he´oeve keÀjlee
nw. GcceeroJeej Fbìve&efMehe keÀe³e&¬eÀce mes iegpejves kesÀ efueS JepeerHesÀ kesÀ efueS Yeer hee$e nQ.
jCeefveleer
#ecelee efvecee&Ce hej veerefle :-
#ecelee efvecee&Ce, Jele&ceeve kesÀ meeLe-meeLe YeefJe<³e kesÀ heefj¢M³e ceW, hetjs mebieþve ceW SkeÀ cenlJehetCe& YetefcekeÀe efveYeelee nw,
ke̳eeWefkeÀ ³en keÀce&®eeefj³eeW kesÀ %eeve Deewj DevegYeJe keÀes yeæ{eves mes mebyebefOele nw. yeQeEkeÀie kesÀ Jele&ceeve heefj¢M³e ceW ueieeleej
yeæ{leer ®egveewefle³eeW Deewj JeweféekeÀ yeepeej kesÀ GÓJe keÀes O³eeve ceW jKeles ngS, keÀce&®eeefj³eeW keÀes heejbheefjkeÀ yeQeEkeÀie ceW DevegYeJe
/ %eeve kesÀ meeLe-meeLe Deheves %eeve / mecePe keÀes yeæ{eves Deewj Fve ®egveewefle³eeW mes efveheìves kesÀ efueS he´emebefiekeÀ keÀewMeue he´ehle
keÀjves keÀer DeeJeM³ekeÀlee nw. Fme GÎsM³e keÀes meekeÀej keÀjves kesÀ efueS, ³en DeeJeM³ekeÀ nw efkeÀ cenlJehetCe& efJeYeeieeW ceW kegÀí
keÀe³e& keÀer YetefcekeÀeDeeW kesÀ efueS DeefveJee³e& meefnle he´ceeCeerkeÀjCe efJeefYeVe nmle#esheeW kesÀ ceeO³ece mes keÀce&®eeefj³eeW kesÀ keÀe³e& keÀe
%eeve Deewj keÀewMeue mesì keÀes yeæ{eves hej peesj efo³ee peeS Deewj Fme GÎsM³e kesÀ meeLe #ecelee efvecee&Ce hej veerefle keÀer meceer#ee
Deewj Devegceesove efkeÀ³ee ie³ee.
mebJesoveMeerue heoeW hej lewveele keÀce&®eeefj³eeW kesÀ efueS DeefveJee³e& DeJekeÀeMe veerefle:-
met®evee
mebJesoveMeerue heoeW ³ee heefj®eeueve kesÀ #es$eeW ceW lewveele keÀce&®eeefj³eeW kesÀ efueS DeefveJee³e& DeJekeÀeMe kesÀ mebyebOe ceW efJeJeskeÀhetCe&
heefj®eeueve peesefKece he´yebOeve Ghee³e hej Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ DeeueeskeÀ ceW, DeefveJee³e& DeJekeÀeMe veerefle
keÀes meceer#ee kesÀ efueS jKee ie³ee Lee efpemekesÀ lenle mebJesoveMeerue heoeW ³ee heefj®eeueve kesÀ #es$eeW ceW lewveele meYeer keÀce&®eeefj³eeW
keÀes efyevee keÀesF& hetJe& met®evee efoS, he´l³eskeÀ Je<e& SkeÀ ner yeej ceW kegÀí efoveeW (keÀce mes keÀce 10 keÀe³e& efoJemeeW) kesÀ efueS ígÆer
hej Yespee peevee DeefveJee³e& nw, efpememes DeekeÀeqmcekeÀ lelJe yevee jns.
DevegkebÀhee kesÀ DeeOeej hej efve³egefÊeÀ ³ee keÀce&®eejer kesÀ keÀe³e& kesÀ oewjeve ngF& ce=l³eg hej SkeÀcegMle Devegie´n jeefMe kesÀ
Yegieleeve kesÀ efueS veerefle:-
DevegkebÀhee efve³egefÊeÀ kesÀ ceeceueeW keÀes DeefOekeÀ mheälee kesÀ meeLe Deewj mece³eye× lejerkesÀ mes efveheìves kesÀ efueS efJekeÀeme /
DeJeueeskeÀve kesÀ Devegªhe “efkeÀmeer keÀce&®eejer keÀer keÀe³e& kesÀ oewjeve ngF& ce=l³eg hej DevegkebÀhee kesÀ DeeOeej hej efve³egefÊeÀ ³ee
SkeÀcegMle Devegie´n jeefMe keÀe Yegieleeve” veerefle keÀer meceer#ee keÀer ieF& nw SJeb mejkeÀej keÀer veerefle³eeW Deewj he´ef¬eÀ³ee ceW lespeer ueeves
efjheesì&
kesÀ efueS mecekeÀ#e yeQkeÀeW kesÀ Devegªhe yevee³ee ie³ee.
veF& veerefle³eeb:-
yeQkeÀ ceW he´cegKe he´yebOekeÀer³e keÀe|ce³eeW Deewj nceejs yeQkeÀ keÀer mene³ekeÀ kebÀheefve³eeW/ men³eesieer mebmLeeDeeW ceW nceejs
keÀce&®eeefj³eeW Üeje Oeeefjle he´cegKe he´yebOekeÀer³e heo hej veerefle:-
he´cegKe he´yebOekeÀer³e keÀee|cekeÀ (kesÀSceheer) SkeÀ kebÀheveer / mebieþve kesÀ keÀce&®eeefj³eeW keÀes meboe|Yele keÀjlee nw, pees cenlJehetCe&
YetefcekeÀeDeeW Deewj keÀe³ee&lcekeÀleeDeeW kesÀ meeLe efveefnle nesles nQ. Jes kebÀheveer Deewj GmekesÀ efnleOeejkeÀeW kesÀ yeer®e mebheke&À kesÀ henues
eEyeog nQ Deewj jCeveerefle³eeW kesÀ efvecee&Ce Deewj FmekesÀ keÀe³ee&vJe³eve kesÀ efueS efpeccesoej nQ. nceejs yeQkeÀ ceW ‘he´cegKe he´yebOekeÀer³e
keÀee|cekeÀ (kesÀSceheer) Deewj nceejs yeQkeÀ keÀer mene³ekeÀ kebÀheefve³eeW / men³eesieer mebmLeeDeeW ceW nceejs keÀce&®eeefj³eeW Üeje Oeeefjle
he´cegKe he´yebOekeÀer³e heoeW keÀer hen®eeve keÀjves kesÀ efueS SkeÀ veerefle lew³eej keÀer ieF& nw.
efJeÊeer³e
jCeefveleer
Deewj Ghee³eeW keÀer ³eespevee yeveelee nw.
» Devegmetef®ele peeefle / Devegmetef®ele pevepeeefle he´keÀesÿ ves Devegmetef®ele peeefle / Devegmetef®ele pevepeeefle keÀce&®eeefj³eeW kesÀ efnleeW
keÀer j#ee kesÀ efueS meYeer keÀoce GþeS nQ.
» Devegmetef®ele peeefle/Devegmetef®ele pevepeeefle/Dev³e efheíæ[e Jeie& kesÀ keÀce&®eeefj³eeW keÀer efMekeÀe³eleeW kesÀ efveJeejCe kesÀ efueS
cegK³e mebheke&À DeefOekeÀejer kesÀ efve³eb$eCe ceW keWÀêer³e keÀe³ee&ue³e ceW Devegmetef®ele peeefle/Devegmetef®ele pevepeeefle he´keÀesÿ mLeeefhele
efkeÀ³ee ie³ee nQ.
» Deej#eCe jesmìj mejkeÀejer efoMeeefveoxMeeW kesÀ Devegmeej yeveeS peeles nQ Deewj GvnW Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ
Devegmeej yeQkeÀeW keÀer JesyemeeFì hej Deheuees[ efkeÀ³ee peelee nw.
» yeQkeÀ JesueHesÀ³ej SmeesefmeSMeve / HesÀ[jsMeve kesÀ meeLe DeeJeefOekeÀ yewþkeÀ Dee³eesefpele keÀjlee nw.
met®evee
» [erSHeÀSme, Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegmeej yewkeÀuee@ie Deejef#ele efjefÊeÀ³eeW keÀer hen®eeve kesÀ efueS DeebleefjkeÀ
meefceefle keÀe ieþve efkeÀ³ee ie³ee nw.
» SvemeerSmemeer Deewj SvemeerSmeìer kesÀ ceeO³ece mes [erSHeÀSme mes he´ehle efveoxMeeW kesÀ Devegmeej Devegmetef®ele peeefle keÀce&®eeefj³eeW
Deewj Devegmetef®ele pevepeeefle keÀce&®eeefj³eeW kesÀ efueS DeebleefjkeÀ efMekeÀe³ele efveJeejCe meefceefle keÀe ieþve efkeÀ³ee ie³ee nw.
» Þeer efkeÀMeesj Kejele keÀer DeO³e#elee ceW [erSHeÀSme Üeje ieefþle Deej#eCe meefceefle ves yeQkeÀ ceW Deej#eCe veerefle kesÀ
keÀe³ee&vJe³eve keÀe DeekeÀueve keÀjves nsleg 15.11.2021 keÀes keWÀêer³e keÀe³ee&ue³e, cegbyeF& ceW nceejs yeQkeÀ keÀe oewje efkeÀ³ee.
» [e@. Debpet yeeuee, ceeveveer³e meom³e jeä^er³e Devegmetef®ele peeefle Dee³eesie ves heìvee, osnjeotve, keÀvee&ìkeÀ, efMeceuee Deewj
ueKeveT ceW nceejs #es$eer³e keÀe³ee&ue³eeW keÀe oewje efkeÀ³ee Lee Deewj Devegmetef®ele peeefle keÀce&®eeefj³eeW Deewj yeQkeÀ he´yebOeve kesÀ
efjheesì&
he´efleefveefOe³eeW kesÀ meeLe Devegmetef®ele peeefle keÀce&®eeefj³eeW kesÀ #es$eer³e mlej Deej#eCe veerefle, jep³e efJeÊe heesef<ele keÀu³eeCe
³eespeveeDeeW keÀer Yeleea Deewj heoesVeefle Deewj keÀe³ee&vJe³eve ceW megj#ee Ghee³e kesÀ cegÎeW hej ®e®ee& Deewj efveiejeveer keÀjves kesÀ
efueS cegueekeÀele keÀer Leer.
31.03.2022 keÀes Devegmetef®ele peeefle/Devegmetef®ele pevepeeefle/Dev³e efheíæ[e Jeie& keÀe he´efleefveefOelJe:-
¬eÀ. mebJeie& kegÀue Devegmetef®ele peeefle Devegmetef®ele Dev³e efheíæ[e
pevepeeefle Jeie&
1 DeefOekeÀejer 16248 2963 1422 4557
2 efueefhekeÀ 8415 1563 786 2074
3 DeOeervemLe mìeHeÀ 5626 1903 519 1494 efJeÊeer³e
kegÀue ³eesie 30289 6429 2727 8125
ef[efpeìue Yegieleeve Deewj uesveosve yeQeEkeÀie - » efJeÊeer³e Je<e& 2021 -22 kesÀ oewjeve ceesyeeFue yeQeEkeÀie uesveosve keÀe owefvekeÀ
» efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve ³etheerDeeF& uesveosve keÀe owefvekeÀ Deewmele Deewmele 0.36 ueeKe nw
39.04 ueeKe nw. » 31 cee®e&, 2022 lekeÀ, vesì yeQeEkeÀie, ceesyeeFue yeQeEkeÀie Deewj ³etheerDeeF& kesÀ
» efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve DeeF&SceheerSme uesveosve keÀe owefvekeÀ efueS kegÀue hebpeerke=Àle Ghe³eesiekeÀlee& ¬eÀceMeë 86.61 ueeKe, 40.45 ueeKe
Deewmele 3.34 ueeKe nw. Deewj 16.76 ueeKe nQ.
» efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve Fbìjvesì yeQeEkeÀie uesveosve keÀe owefvekeÀ » 31 cee®e&, 2022 lekeÀ yeQkeÀ kesÀ heeme kegÀue 4240 heerDeesSme / Sce-
Deewmele 3.73 ueeKe nw. heerDeesSme ìe|ceveue mLeeefhele nQ.
» efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve heerDeesSme / F&-keÀe@ceme& uesveosve keÀe
owefvekeÀ Deewmele 1.39 ueeKe nw.
Jeeef<e&keÀ efjheesì& 2021-22 105
ÒeyebOekeÀer³e ®e®ee& SJeb efJeMues<eCe
peejer
SìerSce / [sefyeì keÀe[& meb®eeueve: íesìs cetu³e kesÀ uesveosve keÀjves kesÀ efueS ³etheerDeeF& ueeFì kesÀ meeLe, ie´enkeÀ kesÀ
» 31 cee®e& 2022 lekeÀ SìerSce keÀer kegÀue mebK³ee 2976 nw. heeme efkeÀmeer Yeer ke̳etDeej keÀes[ keÀes mkewÀve keÀjves Deewj efyevee efkeÀmeer Fbìjvesì
kesÀ Yegieleeve keÀjves keÀe efJekeÀuhe nesiee.
» yeQkeÀ kesÀ 59.48% SìerSce ie´eceerCe Deewj DeOe&-Menjer #es$eeW ceW eqmLele nQ.
» ³etheerDeeF& iueesyeue - efJeosMeer J³eeheeefj³eeW keÀes ³etheerDeeF& kesÀ ceeO³ece mes
» Je<e& kesÀ oewjeve Deewmele SìerSce DeheìeFce ueieYeie 92.06% nw. Deewmele
Yegieleeve.
SìerSce DeheìeFce he´Lece efleceener ceW 89.11% mes yeæ{keÀj ®eewLeer efleceener ceW
94.48% nes ie³ee. » ³etheerDeeF& / ceesyeeFue yeQeEkeÀie meef¬eÀ³eCe Deewj henues kegÀí uesveosve kesÀ efueS
efjJee@[& hee@Fbì
» 31.03.2022 keÀes peejer efkeÀS ieS [sefyeì keÀe[eX keÀer mebK³ee 3.01 keÀjesæ[
nw. » F&- ©heer JeeG®ej keÀes Yegveeves kesÀ efueS F&-©he³ee SkeÌJee³ejj megefJeOee .
¬esÀef[ì keÀe[& heefj®eeueve- » Jele&ceeve vesì yeQeEkeÀie cees[ kesÀ DeueeJee [sefyeì keÀe[& Deewj hesceWì iesìJes cees[
» yeQkeÀ nceejs ie´enkeÀeW keÀes SmeyeerDeeF& keÀe[& kesÀ meeLe keÀes-ye´eb[s[ $eÝCe keÀe[& kesÀ ceeO³ece mes keÀj Yegieleeve (meeryeer[erìer).
peejer keÀj jne nw. » Yegieleeve iesìJes cees[ (YeejlekeÀesMe) kesÀ ceeO³ece mes keÀj kesÀ DeefleefjÊeÀ
» 31 cee®e& 2022 lekeÀ 195483 keÀes-ye´eb[s[ keÀe[& peejer efkeÀS ieS mejkeÀejer Yegieleeve
YeeJeer ³eespevee » ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes Dee@veueeFve [ercewì Keelee.
keÀe³ee&vJe³eve kesÀ Debleie&le henue pees ef[efpeìue ef¬eÀ³eevJe³eve keÀes yeæ{eSieer. » keÀe[& peevekeÀejer keÀer megj#ee kesÀ efueS keÀe[& ìeskeÀveeFpesMeve .
» 1500 hegjeveer ceMeerveeW keÀes yeoueves kesÀ meeLe 2550 veF& SìerSce ceMeerveeW
» nesce m¬eÀerve hej Ghe³eesieer eEuekeÀ kesÀ meeLe veS ªhe Deewj DevegYeJe kesÀ meeLe keÀer mLeehevee.
ceesyeeFue yeQeEkeÀie ceW megOeej.
meb³egÊeÀ GÐece
» ceesyeeFue yeQeEkeÀie kesÀ ceeO³ece mes nceejs ie´enkeÀeW kesÀ efueS nceejs SìerSce hej
meWì yeQkeÀ nesce HeÀeFveWme efue.
Deesìerheer DeeOeeefjle vekeÀo efvekeÀemeer keÀer megefJeOee.
» 31 cee®e& 2022 lekeÀ efveJeue mJeeefcelJe Jeeueer efveefOe ` 157.35 keÀjesæ[ Leer.
» ie´enkeÀ hen®eeve mebK³ee (meerDeeF&SHeÀ) kesÀ meeLe Keelee mebK³ee kesÀ ceeO³ece mes Je<e& kesÀ oewjeve kebÀheveer keÀe kegÀue Deefie´ce 31 cee®e&, 2022 keÀes `1159.68
ceesyeeFue yeQeEkeÀie Sshe hebpeerkeÀjCe. keÀjesæ[ Lee, pees 31 cee®e&, 2021 keÀes `1129.93 keÀjesæ[ Lee.
» ceesyeeFue yeQeEkeÀie ceW Deemeeve uee@efieve, ie´enkeÀ keÀes SkeÀ yeej hebpeerkeÀjCe kesÀ » Kegoje pecee SJeb mebmLeeiele pecee 31 cee®e&, 2022 keÀes ` 519.75 keÀjesæ[
yeeo Ghe³eesiekeÀlee& veece kesÀ efyevee Sceefheve kesÀ ceeO³ece mes uee@efieve keÀjves keÀe nw, pees 31 cee®e&, 2021 keÀes `412.25 keÀjesæ[ Leer
efJekeÀuhe he´oeve efkeÀ³ee peeSiee.
» kebÀheveer keÀe Meg× ueeYe hetjs Je<e& 2021-22 kesÀ efueS ` 20.11 keÀjesæ[ jne,
» ³etheerDeeF& keÀe Ghe³eesie keÀjkesÀ efkeÀmeer Yeer DeeF&meermeer[yu³eg me#ece SìerSce mes pees hetjs Je<e& 2020-21 nsleg `14.67 keÀjesæ[ Lee.
FbìjDee@hejsyeue keÀe[& efJenerve vekeÀo efvekeÀemeer (DeeF&meermeer[yu³eg).
» he´efle Mes³ej Dee³e ` 8.04 ( ` 10 he´efle Mes³ej) pees (efheíues Je<e& ` 5.87)
» ³etheerDeeF& keÀe ve³ee mJeªhe SJeb DevegYeJe. nw.
» DeeOeej vebyej SJeb Deesìerheer meefnle ³etheerDeeF& Sshe hebpeerkeÀjCe. [sefyeì keÀe[& » 31 cee®e& 2022 keÀes mekeÀue SveheerS ` 59.00 keÀjesæ[ nw, peyeefkeÀ 31 cee®e&
veneR jKeves Jeeues ie´enkeÀ ³egheerDeeF& Sshe hej jefpemì^sMeve keÀj mekeWÀies. 2021 keÀes ³en ` 62.01 keÀjesæ[ Lee
» ³etheerDeeF& Sshe kesÀ ceeO³ece mes J³eefÊeÀ mes J³eefÊeÀ (heer2heer) Yegieleeve ceW ceesyeeFue » 31 cee®e& 2022 keÀes Meg× Deefie´ce keÀe 2.56% Meg× SveheerS Lee.
HeÀesve ceW menspes ieS / mebie´nerle mebheke&À vebyej kesÀ DeeOeej hej Yegieleeve keÀjves
keÀer megefJeOee nesieer. » Deeeqmle³eeW hej he´efleueeYe 1.68% (efheíues Je<e& 1.16%)
» ³etheerDeeF& ueeFì- Dee@ve-ef[JeeFme Jee@uesì’ Dee@]HeÀueeFve cees[ kesÀ ceeO³ece mes » efoveebkeÀ 31 cee®e& 2022 keÀes meerSDeej 23.50% jner.
legueve he$e
31 cee®e&, 2022 keÀe
jCeefveleer
(S) Mes³ej hetbpeer 2 2,500.00 2,500.00
(yeer) efjpeJe& Deewj DeefOeMes<e 3 13,707.64 11,696.72
16207.64 14,196.72
2 iewj-®eeuet osveoeefj³eeb
(S) oerIee&JeefOe GOeej 4 57,880.22 55,399.87
(yeer) DeemLeefiele keÀj osveoeefj³eeb 3a 607.40 641.48
(meer) oerIe&keÀeefuekeÀ he´eJeOeeve 5 3,656.34 3,045.07
62,143.96 59,086.42
met®evee
3 Jele&ceeve osveoeefj³eeb
DeuheeJeefOe GOeej 6 31,100.86 30,686.98
(yeer) J³eeheej osveoeefj³eeb 7 - -
(i) SceSmeSceF& keÀer kegÀue yekeÀe³ee jeefMe 107.04 _e
(ii) SceSmeSceF& kesÀ DeueeJee Dev³e uesveoejeW keÀer kegÀue yekeÀe³ee jeefMe
(meer) oerIee&JeefOe GOeej keÀer Jele&ceeve heefjhekeÌJelee 8 11,052.33 14647.48
([er) Dev³e ®eeuet osveoeefj³eeb 9 404.41 14647.48
(F&) DeuhekeÀeefuekeÀ he´eJeOeeve 10 199.24 60.37
efjheesì&
42,863.88 45,394.83
kegÀue 1,21,215.48 1,18,677,97
yeer Deeefmle³eeb
1 iewj-®eeuet Deeefmle³eeb
(S) mebheefÊe, meb³eb$e Deewj GhekeÀjCe Deewj Decetle& mebheefÊe
(i) mebheefÊe, meb³eb$e Deewj GhekeÀjCe 11 30.60 42.29
(yeer) iewj-®eeuet efveJesMe 12 3,173.77 4,224.19
(meer) oerIee&JeefOe $eÝCe DeewjDeefie´ce 13 97,251.31 1,02,723.32
efJeÊeer³e
kebÀheveer ves 31 cee®e&, 2022 keÀes meceehle Je<e& kesÀ efueS keÀj he½eele `1.06 keÀjesæ[ keÀe Meg× ueeYe Dee|pele efkeÀ³ee, peyeefkeÀ 31 cee®e&, 2021 keÀes meceehle efheíues Je<e&
kesÀ efueS `0.91 keÀjesæ[ keÀe Meg× ueeYe ngDee Lee. Keb[Jeej Dee³e efvecveevegmeej nw :
» efJeÊeer³e Je<e& 2021-22 keÀes F&heerSme `212.62 nw pees efJeÊeer³e Je<e& 2020-21 ceW ` 181.34 Lee.
legueve he$e
31 cee®e& 2022 keÀes
jCeefveleer
(S) Mes³ej hetbpeer 1 500.00 500.00
(yeer) Deejef#ele Deewj DeefOeMes<e 2 3,038.18 3,081.87
2 iewj ®eeuet os³eleeSb
(S) Dev³e oerIee&JeefOe osveoeefj³eeW 3 72.50 60.35
(yeer) oerIee&JeefOe he´eJeOeeve 4 3.96 3.17
3 ®eeuet os³eleeSb
(S) Dev³e ®eeuet osveoeefj³eeb 5 603.72 589.99
(yeer) DeuheeJeefOe he´eJeOeeve 6 1.08 1.22
met®evee
kegÀue 4,219.44 4,236.60
yeer Deeeqmle³eeb
1 iewj ®eeuet Deeeqmle³eeb
(S) mebheefÊe meb³eb$e Deewj GhekeÀjCe Deewj Decetle& mebheefÊe 7
(i) mebheefÊe meb³eb$e Deewj GhekeÀjCe
(ii) Decetle& mebheefÊe³eeb 2.39 1.46
(iii) hetbpeer keÀe³e& - he´ieefle hej 0.40 1.04
(yeer) iewj-®eeuet efveJesMe 8 597.63 1 0.03.37
efjheesì&
(yeer) DeemLeefiele keÀj Deeeqmle³eeb (Meg× ) 9 1.45 1.68
([er) Dev³e iewj-®eeuet Deeeqmle³eeb 10 1,883.34 199.39
2 ®eeuet Deeeqmle³eeb
(S) ®eeuet efveJesMe 11 - 150.00
(yeer) J³eeheej he´eeqhle³eeb 12 8.81 8.87
(yeer) vekeÀo Deewj vekeÀo mecekeÀ#e 13 1,610.19 3,555.61
([er) DeuhekeÀeefuekeÀ $eÝCe Deewj Deefie´ce 14 115.23 317.15
kegÀue 4,219.44 4,236.60
efJeÊeer³e
legueve he$e
31 cee®e& 2022 keÀes
jCeefveleer
nw efpevekeÀer efveiejeveer yees[& keÀer efJeefYeVe meefceefle³eeW Üeje keÀer peeleer nw. S) efveosMekeÀ ceb[ue keÀer mebj®evee
yees[&, keÀe³e&heeuekeÀeW Deewj Dev³e heoeefOekeÀeefj³eeW ves yesnlej he´efme×eble Deewj yeQkeÀ keÀe ieþve yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe Deewj nmleeblejCe)
Mes³ejOeejkeÀeW kesÀ efJeéeeme ceW Je=ef× kesÀ keÀeheexjsì ue#³eeW keÀes he´ehle keÀjves ceW DeefOeefve³ece, 1970 (mece³e-mece³e hej ³eLee-mebMeesefOele) kesÀ Devegªhe
Deheveer YetefcekeÀeDeeW keÀes mheä ªhe mes efveOee&efjle efkeÀ³ee nw. efkeÀ³ee ie³ee nw. yeQkeÀ kesÀ J³eJenej Deewj J³eJemee³e keÀe meeceev³e DeOeer#eCe,
yeQkeÀ kesÀ FeqkeÌJeìer Mes³ej yeerSmeF& efueefceìs[ Deewj vesMeveue mìe@keÀ efveoxMeve Deewj he´yebOeve kesÀ DeefOekeÀej efveosMekeÀ ceb[ue kesÀ heeme efveefnle nw.
SkeÌme®eWpe Dee@HeÀ Fbef[³ee efueefceìs[ ceW met®eerye× nQ. neueeBefkeÀ, yeQkeÀ SkeÀ efpevekeÀer DeO³e#elee, DeO³e#e Üeje keÀer peeleer nw.
kebÀheveer veneR nw, eEkeÀleg yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe Deewj yeQkeÀ kesÀ efveosMekeÀ ceb[ue keÀer mebj®evee yeQeEkeÀie efJeefve³eceve DeefOeefve³ece,
nmleeblejCe) DeefOeefve³ece, 1970 kesÀ lenle SkeÀ efveieefcele efvekeÀe³e nw Deewj 1949, yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe Deewj nmleeblejCe)
Yeejleer³e efj]peJe& yeQkeÀ Üeje efJeefve³eefcele nw. Deleë yeQkeÀ mesyeer (met®eerye×
met®evee
DeefOeefve³ece, 1970 ³eLee mebMeesefOele Deewj jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj
oeef³elJe Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015 ceW efvee|oä efJeefJeOe he´eJeOeeve) ³eespevee 1970, ³eLee mebMeesefOele kesÀ he´eJeOeeveeW Üeje
keÀe@heexjsì ieJeveXme ceeveob[eW kesÀ he´eJeOeeveeW keÀe Gme meercee lekeÀ Devegheeueve efve³ebef$ele nesleer nw.
keÀjlee nw, peneb lekeÀ efkeÀ yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe
meceer#eeOeerve Je<e& DeLee&le 2021-22 kesÀ oewjeve, yees[& keÀer mebj®evee Fme he´keÀej Leer:
¬eÀce veece ie´efnle heo DeJeefOe(mes- 31.03.2022 efJeMes<e%elee keÀe #es$e 31.03.2022 keÀes meceehle 31.03.2022 keÀer ke̳ee
meb. lekeÀ ) keÀes Oeeefjle efJeÊeer³e Je<e& kesÀ oewjeve mesvì^ue eqmLeefle kesÀ Devegmeej 10.08.2021
yeQkeÀ kesÀ yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ yees[& Dev³e kebÀheefve³eeW keÀe keÀes Dee³eesefpele
FeqkeÌJeìer keÀer meefceefle³eeW keÀer meom³elee/ efveosMekeÀlJe efheíueer
efjheesì&
Mes³ejeW keÀer DeO³e#elee SpeerSce ceW
mebK³ee meom³e DeO³e#e Yeeie efue³ee Lee
1. Þeer leheve js iewj-keÀe³e&keÀejer mJeleb$e 23.05.2018 mes Metv³e efJeÊe, DeLe&Meem$e, DeejScemeer, DeejScemeer, 1. iegpejele FbìjvesMeveue veneR
DeO³e#e 22.05.2021 he´ewÐeesefiekeÀer, keÀevetve, hetbpeer SueJeerSHeÀmeer, SueJeerSHeÀmeer, HeÀeFveWme ìskeÀ-efmeìer kebÀheveer
(22.05.2021 keÀes lekeÀ yeepeej, he´yebOeve, efJeosMeer SmeDeejmeer, SmeDeejmeer, efueefceìs[
efveosMekeÀ veneR jns) J³eeheej, meeJe&peefvekeÀ veerefle ceeveJe mebmeeOeve, ceeveJe mebmeeOeve, 2. efieHeÌì mespe efueefceìs[
Deewj he´Meemeve heerF&, heerF& 3. efieHeÌì heeJej kebÀheveer
SveSb[Deejmeer, efueefceìs[
4. peerSmeheermeer SueSvepeer
efueefceìs[
5. peerJeerSHeÀSue efueefceìs[ efJeÊeer³e
6. iegpejele DeukeÀueerpe Sb[
kesÀefcekeÀume efueefceìs[
- met®eerye× kebÀheveer
(iewj-keÀe³e&keÀejer - mJeleb$e
efveosMekeÀ)
7.iegpejele mìsì HeÀe|ìueeFpeme&
Sb[ kesÀefcekeÀue efueefceìs[
- met®eerye× kebÀheveer
(iewj-keÀe³e&keÀejer - mJeleb$e
efveosMekeÀ)
¬eÀce veece ie´efnle heo DeJeefOe(mes- 31.03.2022 efJeMes<e%elee keÀe #es$e 31.03.2022 keÀes meceehle 31.03.2022 keÀer ke̳ee
meb. lekeÀ ) keÀes Oeeefjle efJeÊeer³e Je<e& kesÀ oewjeve mesvì^ue eqmLeefle kesÀ Devegmeej 10.08.2021
yeQkeÀ kesÀ yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ yees[& Dev³e kebÀheefve³eeW keÀe keÀes Dee³eesefpele
FeqkeÌJeìer keÀer meefceefle³eeW keÀer meom³elee/ efveosMekeÀlJe efheíueer
Mes³ejeW keÀer DeO³e#elee SpeerSce ceW
mebK³ee meom³e DeO³e#e Yeeie efue³ee Lee
2. Þeer Sce Jeer jeJe ÒeyebOe efveosMekeÀ SJeb 01.03.2021 mes ueeiet veneR yeQeEkeÀie Scemeeryeer, Scemeeryeer, Metv³e neb
cegK³e keÀe³e&keÀejer DeejScemeer, DeejScemeer,
DeefOekeÀejer SueJeerSHeÀmeer, SueJeerSHeÀmeer,
(hetCe&keÀeefuekeÀ efveosMekeÀ) meerSmemeer, meerSmemeer,
DeeF&ìerSme JeerDeeF&peer,
SmeDeejmeer, meerSmeer,
JeerDeeF&peer, ceeveJe mebmeeOeve,
meerSmeer, SceDeejmeer,
ceeveJe mebmeeOeve, meerDeejmeer,
SceDeejmeer, DeejmeerSvemeeryeer
meerDeej meer, meerDeejDeeF&[yu³et[er
DeejmeerSvemeeryeer,
meerDeejDeeF&[yu³et[er
3. Þeer DeeueeskeÀ keÀe³e&heeuekeÀ efveosMekeÀ 23.01.2019 mes 12,000 yeQeEkeÀie Scemeeryeer, Smeeryeer, Metv³e meWì yeQkeÀ nesce HeÀeFveWme neb
ÞeerJeemleJe (hetCe&keÀeefuekeÀ efveosMekeÀ) DeejScemeer, efueefceìs[
SueJeerSHeÀmeer,
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer, meerSmeer,
ceeveJe mebmeeOeve,
SceDeejmeer,
meerDeejmeer
4. Þeer efJeJeskeÀ Jeener keÀe³e&heeuekeÀ efveosMekeÀ 10.03.2021 mes Metv³e yeQeEkeÀie Scemeeryeer, Metv³e meWì yeQkeÀ HeÀeFveWefMe³eue neb
(hetCe&keÀeefuekeÀ efveosMekeÀ) DeejScemeer, mee|Jemespe efueefceìs[
SueJeerSHeÀmeer,
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer, meerSmeer,
ceeveJe mebmeeOeve,
SceDeejmeer,
meerDeejmeer
5. Þeer jepeerJe hegjer keÀe³e&heeuekeÀ efveosMekeÀ 10.03.2021 mes Metv³e yeQeEkeÀie Scemeeryeer, Metv³e Metv³e neb
(hetCe&keÀeefuekeÀ efveosMekeÀ) DeejScemeer,
SueJeerSHeÀmeer,
meerSmemeer,
DeeF&ìerSme,
SmeDeejmeer, meerSmeer,
ceeveJe mebmeeOeve,
SceDeejmeer,
meerDeejmeer
6. [e@ Yet<eCe kegÀceej Yeejle mejkeÀej veeefcele 14.05.2018 mes Metv³e efJeÊe Deewj DeLe&Meem$e Smeeryeer, DeejScemeer, Metv³e 1.DeeF&SHeÀmeerDeeF& veneR
efmevne efveosMekeÀ 11.04.2022 lekeÀ SueJeerSHeÀmeer, ueer.- met®eer ye× kebÀheveer
(iewj - keÀe³e&keÀejer DeeF&ìerSme Jeermeer, (iewj-keÀe³e&keÀejer - veeefcele
efveosMekeÀ) SceDeejmeer, ceeveJe efveosMekeÀ)
mebmeeOeve, heerF& 2.ceeF¬eÀes ³etefveìdme
[sJeueheceWì Sb[ efjHeÀeFveWme
SpeWmeer efue. (iewj-keÀe³e&keÀejer
- veeefcele efveosMekeÀ)
7. Þeer heer.pes. Lee@ceme Yeejleer³e efj]peJe& yeQkeÀ 28.09.2020 mes Metv³e yeQeEkeÀie Je efJeÊe Scemeeryeer, Metv³e Metv³e veneR
veeefcele efveosMekeÀ Smeeryeer,
(iewj-keÀe³e&keÀejer mJeleb$e Jeermeer
efveosMekeÀ)
¬eÀce veece ie´efnle heo DeJeefOe(mes- 31.03.2022 efJeMes<e%elee keÀe #es$e 31.03.2022 keÀes meceehle 31.03.2022 keÀer ke̳ee
meb. lekeÀ ) keÀes Oeeefjle efJeÊeer³e Je<e& kesÀ oewjeve mesvì^ue eqmLeefle kesÀ Devegmeej 10.08.2021
yeQkeÀ kesÀ yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ yees[& Dev³e kebÀheefve³eeW keÀe keÀes Dee³eesefpele
FeqkeÌJeìer keÀer meefceefle³eeW keÀer meom³elee/ efveosMekeÀlJe efheíueer
Mes³ejeW keÀer DeO³e#elee SpeerSce ceW
mebK³ee meom³e DeO³e#e Yeeie efue³ee Lee
8. Þeerceleer efceveer DeeF&he Mes³ejOeejkeÀ efveosMekeÀ 01.07.2018 mes Metv³e efJeÊe Smeeryeer, DeejScemeer, Smeeryeer, Metv³e veneR
(iewj-keÀe³e&keÀejer mJeleb$e 30.06.2021 lekeÀ meerSmemeer, DeeF&ìerSme,
efveosMekeÀ) DeeF&ìerSme, SveSb[Deejmeer
SmeDeejmeer,
jCeefveleer
SceDeejmeer, heerF&,
DeejmeerSvemeeryeer,
SveSb[Deejmeer,
meerDeejDeeF&[yu³et[er
9. Þeer efovesMe heebieleer Mes³ejOeejkeÀ efveosMekeÀ 01.07.2021 mes 100 efJeÊe Smeeryeer, DeejScemeer, Smeeryeer Metv³e neb
(iewj-keÀe³e&keÀejer mJeleb$e meerSmemeer, DeeF&ìerSme
efveosMekeÀ) SmeDeejmeer,
SceDeejmeer, heerF&,
DeejmeerSvemeeryeer,
SveSb[Deejmeer,
meerDeejDeeF&[yu³et[er
met®evee
10. Þeer he´oerhe he´eCeueeue DebMekeÀeefuekeÀ iewj- 21.12.2021 mes Metv³e efJeÊe Smeeryeer, DeeF&ìerSme, Metv³e veneR
efKeceeveer mejkeÀejer efveosMekeÀ DeejScemeer, SmeDeejmeer,
(iewj-keÀe³e&keÀejer mJeleb$e meerSmemeer, SveSb[Deejmeer,
efveosMekeÀ) SueJeerSHeÀmeer, heerF&
DeeF&ìerSme
SmeDeejmeer,
SceDeejmeer,
heerF&,
DeejmeerSvemeeryeer,
SveSb[Deejmeer,
meerDeejDeeF&[yu³et[er
efjheesì&
he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer Deewj keÀe³e&heeuekeÀ efveosMekeÀieCe yeQkeÀ kesÀ hetCe&keÀeefuekeÀ efveosMekeÀ nQ.
Smeeryeer - yees[& keÀer uesKee hejer#ee meefceefle
meerSmeer - $eÝCe Devegceesove meefceefle
meerDeejmeer - hetbpeer mebie´nCe meefceefle
meerDeejDeeF&[yu³et[er - Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve keÀer meceer#ee kesÀ efueS meefceefle
meerSmemeer - ie´enkeÀ mesJee meefceefle
S®eDeej - ceeveJe mebmeeOeve meefceefle
DeeF&ìerSme - met®evee he´ewÐeesefiekeÀer keÀe³e&veerefle meefceefle
efJeÊeer³e
SueJeerSHeÀmeer - yeæ[s cetu³e keÀer OeesKeeOeæ[er keÀer efveiejeveer kesÀ efueS yees[& keÀer efJeMes<e meefceefle
Scemeeryeer - yees[& keÀer he´yebOeve meefceefle
SceDeejmeer - Jemetueer keÀer efveiejeveer kesÀ efueS yees[& keÀer meefceefle
SveSb[Deejmeer - veeceebkeÀve Deewj heeefjÞeefcekeÀ meefceefle
heerF& - he´efme×eble cetu³eebkeÀve meefceefle
DeejmeerSvemeeryeer - Demen³eesieer $eÝCeer Ieesef<ele keÀjves kesÀ efueS meceer#ee meefceefle
DeejScemeer - peesefKece he´yebOeve meefceefle
SmeDeejmeer - efnleOeejkeÀ mebyebOe meefceefle
JeerDeeF&peer - meleke&Àlee meefceefle
efveosMekeÀeW keÀe mebef#ehle efJeJejCe (31.03.2022 lekeÀ) cegK³e cenehe´yebOekeÀ Les. Jes efJeefJeOe DevegYeJe Jeeues SkeÀ DevegYeJeer yeQkeÀj
1. Þeer Sce Jeer jeJe, he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer nQ Deewj GvneWves osMe kesÀ efJeefYeVe YeewieesefuekeÀ #es$eeW ceW efJeefYeVe heoeW hej
DeefOekeÀejer (pevce efoveebkeÀ 03.07.1965) keÀe³e& efkeÀ³ee nw. hebpeeye vesMeveue yeQkeÀ kesÀ MeeKee he´cegKe, #es$e he´cegKe, SJeb
Deeb®eefuekeÀ he´yebOekeÀ kesÀ ªhe ceW Deheves keÀe³e&keÀeue kesÀ oewjeve GvnW keÀF&
Þeer Sce Jeer jeJe ves 1 cee®e&, 2021 mes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ hegjmkeÀej efceues nQ. hebpeeye vesMeveue yeQkeÀ kesÀ cegK³e cenehe´yebOekeÀ kesÀ ªhe
he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer kesÀ ªhe ceW keÀe³e&Yeej ceW, GvneWves SceSmeSceF& Deewj efce[ keÀe@jheesjsì, ke=Àef<e, Kegoje $eÝCe SJeb
mebYeeuee nw. Jele&ceeve keÀe³e&Yeej ie´nCe keÀjves mes hetJe&, Þeer jeJe leerve meeue efJeÊeer³e meceeJesMeve he´Yeeie pewmes yeQkeÀ kesÀ cenlJehetCe& keÀe³e&#es$eeW keÀe vesle=lJe
mes DeefOekeÀ mece³e lekeÀ kesÀveje yeQkeÀ kesÀ keÀe³e&keÀejer efveosMekeÀ Les, peneb efkeÀ³ee.
GvneWves yeQkeÀ keÀer he´ieefle ceW cenlJehetCe& YetefcekeÀe efveYeeF& Leer. Þeer Sce Jeer 5. [e@. Yet<eCe kegÀceej efmevne, Yeejle mejkeÀej veeefcele efveosMekeÀ
jeJe Þeer JeWkeÀìséej ke=Àef<e ceneefJeÐeeue³e, efle©heefle, DeebOe´ he´osMe mes ke=Àef<e (pevceefleefLe 20.07.1964)
ceW mveelekeÀesÊej nQ. Jes Fbef[³eve Fbmìerìîetì Dee@HeÀ yeQkeÀme& kesÀ mee|ìHeÀeF[
[e@. Yet<eCe kegÀceej efmevne keÀes 14.05.2018 mes mesvì^ue yeQkeÀ Dee@HeÀ
SmeesefmeSì nQ. efJeefJeOe DevegYeJe Jeeues SkeÀ DevegYeJeer yeQkeÀj, Þeer Sce Jeer Fbef[³ee ceW Yeejle mejkeÀej kesÀ veeefcele efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee
jeJe ves 1988 ceW Fueeneyeeo yeQkeÀ ceW ke=Àef<e #es$e DeefOekeÀejer kesÀ ªhe ceW ie³ee Lee. [e@ efmevne efJeÊeer³e DeO³e³eve efJeYeeie, efouueer efJeéeefJeÐeeue³e mes
keÀe³e&Yeej ie´nCe efkeÀ³ee Deewj osMe kesÀ efJeefYeVe YeewieesefuekeÀ #es$eeW ceW efJeefYeVe efJeÊeer³e DeLe&Meem$e ceW heerS®e.[er., vesMeveue ie´spegSì mketÀue Dee@HeÀ cewvespeceWì
heoeW hej keÀe³e& efkeÀ³ee. Fueeneyeeo yeQkeÀ kesÀ cenehe´yebOekeÀ kesÀ ªhe ceW, (SvepeerSmeSce) leLee Dee@mì^sefue³eve vesMeveue ³etefveJee|meìer (SSve³et),
GvneWves LeeskeÀ Deewj Kegoje yeQeEkeÀie pewmes yeQkeÀ kesÀ cenlJehetCe& keÀe³e&#es$eeW keÀe kewÀveyeje, Dee@mì^sefue³ee mes SceyeerS nw. [e@. efmevne Yeejleer³e Deee|LekeÀ mesJee
vesle=lJe efkeÀ³ee. GvneWves heefjmebheefÊe keWÀefêle yeQeEkeÀie hej O³eeve keWÀefêle keÀjves kesÀ 1993 yew®e kesÀ nQ Deewj Jele&ceeve ceW efJeÊeer³e mesJee efJeYeeie ([erSHeÀSme),
kesÀ efueS Fueeneyeeo yeQkeÀ ceW SkeÀ heefjJele&vekeÀejer heefj³eespevee Megª keÀjves efJeÊe ceb$eeue³e, Yeejle mejkeÀej ceW meb³egÊeÀ meef®eJe kesÀ ªhe ceW keÀe³e&jle nQ.
ceW Yeer cenlJehetCe& YetefcekeÀe efveYeeF& Leer. meb³egÊeÀ meef®eJe kesÀ ªhe ceW Deheves Jele&ceeve keÀe³e&Yeej mes henues, Jes [erSHeÀSme
2. Þeer DeeueeskeÀ ÞeerJeemleJe (pevceefleefLe 22.11.1962) ceW Deee|LekeÀ meueenkeÀej Les. ceF& 2018 ceW [erSHeÀSme ceW Meeefceue nesves
mes henues, [e@ efmevne ves efveJesMe Deewj meeJe&peefvekeÀ mebheefÊe he´yebOeve efJeYeeie
Þeer DeeueeskeÀ ÞeerJeemleJe DeLe&Meem$e ceW mveelekeÀesÊej Deewj SceyeerS (efJeÊe) ([erDeeF&heerSSce) ceW Deee|LekeÀ meueenkeÀej kesÀ ªhe ceW leerve meeue keÀe³e&
nwb. GvneWves Je<e& 1985 ceW hebpeeye vesMeveue yeQkeÀ ceW he´yebOeve he´efMe#eg kesÀ ªhe efkeÀ³ee Lee. [e@. efmevne DeeF&SHeÀmeerDeeF& efueefceìs[ Deewj ceeF¬eÀes ³etefveìdme
ceW Dehevee keÀefj³ej Megª efkeÀ³ee. GvnW yeQeEkeÀie ceW 34 Je<eeX mes DeefOekeÀ keÀe [sJeueheceWì Sb[ efjHeÀeFveWme SpeWmeer efueefceìs[ kesÀ yees[& ceW efveosMekeÀ Yeer nQ.
DevegYeJe nw, GvneWves yeQeEkeÀie kesÀ ueieYeie meYeer he´cegKe #es$eeW, MeeKeeDeeW, GvekeÀe keÀe³e&keÀeue 11.04.2022 keÀes meceehle ngDee.
he´MeemeefvekeÀ keÀe³ee&ue³eeW Deeefo ceW efJeefYeVe heoeW hej keÀece efkeÀ³ee nw. 6. Þeer heer pes Lee@ceme (pevceefleefLe 02.01.1959)
3. Þeer efJeJeskeÀ Jeener (pevceefleefLe 15.09.1965) Þeer heer pes Lee@ceme keÀes Yeejle mejkeÀej Üeje 28 efmelebyej, 2020 keÀes
Þeer efJeJeskeÀ Jeener ves 10 cee®e&, 2021 mes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ yees[& ceW efveosMekeÀ kesÀ ªhe ceW veeefcele efkeÀ³ee
keÀe³e&heeuekeÀ efveosMekeÀ kesÀ ªhe ceW keÀe³e&Yeej mebYeeuee nw . GvekesÀ heeme yeQkeÀ ie³ee Lee. Jen yeer.Smemeer (Dee@veme&) kesÀ meeLe efJe%eeve ceW mveelekeÀ nQ Deewj
kesÀ meYeer cenlJehetCe& keÀe³e&#es$eeW pewmes ye´eb®e yeQeEkeÀie, DeesJejmeerpe [ereEueie yeQeEkeÀie Deewj efJeÊe ceW efyepevesme S[efceefvemì^sMeve ceW ceemìj nQ. Jes Fbef[³eve
ªce, nseE[ie ueepe& keÀe@jheesjsìdme ¬esÀef[ì MeeKee he´Yeejer, peesveue cewvespej, Fbmìerìîetì Dee@HeÀ yeQkeÀme& kesÀ mee|ìHeÀeF[ SmeesefmeSì Yeer nQ.
ì^spejer ns[, HeÀeru[ cenehe´yebOekeÀ Deeefo ceW keÀece keÀjves keÀe mece=× yeQeEkeÀie GvneWves SkeÀ DeefOekeÀejer kesÀ ªhe ceW Yeejleer³e efjpeJe& yeQkeÀ (DeejyeerDeeF&)
DevegYeJe nw. GvnW efyepevesme efcekeÌme hewjeceerìme& hej meyemes yeæ[s peesve, yeQkeÀ ceW peeves mes henues SkeÀ meeJe&peefvekeÀ #es$e kesÀ yeQkeÀ kesÀ meeLe SkeÀ yeQkeÀ
kesÀ cegbyeF& meeGLe peesve kesÀ peesveue cewvespej kesÀ ªhe ceW lewveele efkeÀ³ee ie³ee DeefOekeÀejer kesÀ ªhe ceW Dehevee keÀefj³ej Megª efkeÀ³ee Deewj #es$eer³e efveosMekeÀ,
Lee. GvneWves 2 meeue mes DeefOekeÀ mece³e lekeÀ cegbyeF& ceW yeQkeÀ Dee@HeÀ Fbef[³ee DeejyeerDeeF&, yeQieueesj meefnle efJeefYeVe #eceleeDeeW ceW keÀe³e& efkeÀ³ee.
kesÀ ì^spejer keÀe Yeer vesle=lJe efkeÀ³ee nw. GvneWves yeQkeÀ kesÀ GÊejer #es$e efpemeceW DeejyeerDeeF& ceW 36 Je<eeX mes DeefOekeÀ kesÀ Deheves keÀe³e&keÀeue kesÀ oewjeve,
GvnW keWÀêer³e keÀe³ee&ue³e ceW yeQeEkeÀie efJeefve³eceve Deewj #es$eer³e keÀe³ee&ue³eeW ceW
Debleie&le 6 jep³e Deeles nQ, kesÀ HeÀeru[ cenehe´yebOekeÀ kesÀ ªhe ceW Yeer keÀece
yeQeEkeÀie he³e&Jes#eCe keÀe uebyee DevegYeJe nw . GvneWves kegÀDeeueeuebhegj, ceveeruee,
efkeÀ³ee nw efpemekeÀe cegK³eeue³e veF& efouueer ceW nw. SveDeeF&ìer, kegÀ©#es$e mes He´QÀkeÀHeÀì& Deewj yesmeue ceW Dev³e Debleje&ä^er³e efvekeÀe³eeW kesÀ DeueeJee v³et³ee@
yeer.ìskeÀ hetje keÀjves kesÀ yeeo, Jen 1990 ceW heefjJeer#eeOeerve DeefOekeÀejer kesÀ ke&À Deewj HeÌueesefj[e kesÀ HesÀ[jue efjpeJe& ceW efJeefve³eceve Deewj he³e&Jes#eCe kesÀ
ªhe ceW yeQeEkeÀie GÐeesie (yeQkeÀ Dee@HeÀ Fbef[³ee) ceW Meeefceue ngS. efJeosMe he´efMe#eCe ceW Yeeie efue³ee Lee. Jen henues SkeÀ efvepeer #es$e kesÀ yeQkeÀ
4. Þeer jepeerJe hegjer (pevce 14.06.1963) Deewj SkeÀ meeJe&peefvekeÀ #es$e kesÀ yeQkeÀ kesÀ yees[& ceW Les.
Þeer jepeerJe hegjer JeeefCep³e ceW mveelekeÀesÊej Deewj SceyeerS (efJeÊe) nQ. GvneWves 7. Þeer efovesMe heebieleer (pevceefleefLe 27.02.1962)
DeeF&DeeF&yeer mes ie´eceerCe yeQeEkeÀie ceW ef[hueescee Yeer efkeÀ³ee nw. Jen Fbef[³eve Þeer efovesMe heebieleer keÀes 01.07.2021 mes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee
Fbmìerìîetì Dee@HeÀ yeQkeÀme& kesÀ mee|ìHeÀeF[ SmeesefmeSì nQ. Jen DeeF&DeeF&Sce- ceW Mes³ejOeejkeÀ efveosMekeÀ kesÀ ªhe ceW ®egvee ie³ee Lee. GvnW efJeÊe kesÀ
yeer (yeeryeeryeer-Sue[eryeer 9 ceen keÀe he´efMe#eCe) kesÀ hetJe& íe$e Yeer nQ. 10 #es$e ceW DevegYeJe nw. GvneWves SueDeeF&meerS®eSHeÀSue SScemeer efueefceìs[
cee®e& 2021 mes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ceW keÀe³e&heeuekeÀ efveosMekeÀ kesÀ Deewj SueDeeF&meer c³et®egDeue HebÀ[ Smesì cewvespeceWì efueefceìs[ kesÀ cegK³e
ªhe ceW Meeefceue nesves mes henues, Þeer jepeerJe hegjer hebpeeye vesMeveue yeQkeÀ kesÀ keÀe³e&keÀejer DeefOekeÀejer keÀe heo mebYeeuee nw. GvnW efJeefYeVe heoeW hej peerJeve
yeercee J³eJemee³e ceW 3 oMekeÀeW mes DeefOekeÀ keÀe DevegYeJe Yeer Lee.
8. Þeer he´oerhe he´eCeueeue efKeceeveer (pevceefleefLe 26.02.1959) 9. Þeer nee|okeÀ cegkesÀMe Mesþ (pevceefleefLe 19.05.1980) -
Þeer he´oerhe he´eCeueeue efKeceeveer keÀes Yeejle mejkeÀej Üeje 21 efomebyej 11.04.2022 mes he´YeeJeer
2021 keÀes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ DebMekeÀeefuekeÀ iewj-mejkeÀejer mejkeÀej Üeje 11 Dehe´wue 2022 keÀes mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee kesÀ
efveosMekeÀ kesÀ ªhe ceW veeefcele efkeÀ³ee ie³ee Lee. Jes meewjeä^ efJeéeefJeÐeeue³e mes mejkeÀejer veeefcele efveosMekeÀ kesÀ ªhe ceW veeefcele efkeÀ³ee ie³ee Lee. Jen
meebeqK³ekeÀer, ueeiele, GÐeesie, DeeOegefvekeÀ efJeÊe Deewj J³eJemee³e he´yebOeve ceW efJeÊeer³e mesJee efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej kesÀ efveosMekeÀ nQ.
JeeefCep³e ceW mveelekeÀesÊej nQ. Jele&ceeve ceW, Jes mejmJeleer mketÀue, petveeieæ{ Jen SceyeerS (efJeÊe) Deewj ³etSme meerheerS nQ. ceb$eeue³e ceW Meeefceue nesves mes
(iegpejele) kesÀ DeO³e#e nQ. Jen efiejveej ³ee$eeOeece efJekeÀeme ceb[ue, petveeieæ{ henues, GvekesÀ heeme ueieYeie 19 Je<eeX keÀe yeQeEkeÀie DevegYeJe Lee, efpemeceW
ceW efveosMekeÀ Deewj veweflekeÀ meefceefle, peerSceF&DeejSme cesef[keÀue keÀe@uespe, GvneWves peesefKece he´yebOeve, ¬esÀef[ì he´yebOeve, keÀe@heexjsì ¬esÀef[ì, otmejeW
kesÀ yeer®e he´Meemeve Deewj MeeKee meb®eeueve meefnle efJeefYeVe keÀe³eeX ceW kegÀí
jCeefveleer
petveeieæ{ kesÀ meom³e Yeer nQ. Fmemes henues, GvneWves efveosMekeÀ, iegpejele
he³e&ìve efveiece Deewj DeO³e#e, mLee³eer meefceefle, veiej efveiece, petveeieæ{ kesÀ yengjeä^er³e Deewj meeJe&peefvekeÀ #es$e kesÀ yeQkeÀ (Yeejleer³e mìsì yeQkeÀ) kesÀ meeLe
ªhe ceW keÀe³e& efkeÀ³ee. Jes Fbef[³ee FbìjvesMeveue He´WÀ[efMehe meesmeeFìer Üeje keÀece efkeÀ³ee nw. GvnW Deheves DeOeerve yeæ[s DeekeÀej keÀer ìerce Deewj efJeefYeVe
“Yeejle p³eesefle DeJee[&”, vesMeveue [sJeueheceWì HeÀesjce Üeje “iueesyeue MeeKeeDeeW keÀes mebYeeueves keÀe DevegYeJe nw. Jen Deheves meeLe yeQeEkeÀie GÐeesie
Fbef[³eve Dee@]HeÀ o F&³ej DeJee[&” Deewj keÀF& mebIeeW / mebmLeeveeW mes keÀF& Dev³e kesÀ yeejs ceW SkeÀ meceie´ ¢eqäkeÀesCe ueskeÀj Dee³es nQ.
hegjmkeÀejeW mes mecceeefvele nQ. yeer) yees[& keÀer yewþkeÀeW keÀe meb®eeueve
Je<e& kesÀ oewjeve, efvecveefueefKele efleefLe³eeW hej 13 yees[& yewþkeWÀ Dee³eesefpele keÀer
ieF¥:
met®evee
21.05.2021 28.07.2021 26.10.2021 30.03.2022
07.06.2021 14.08.2021 02.12.2021
17.06.2021 08.10.2021 27.01.2022
15.07.2021 21.10.2021 05.02.2022
yees[& keÀer yewþkeÀeW ceW efveosMekeÀeW keÀer GheeqmLeefle keÀe efJeJejCe Fme he´keÀej nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ DeJeefOe (mes- lekeÀ)
oewjeve Dee³eesefpele yewþkeWÀ
Þeer leheve js 1 1 01.04.2021-22.05.2022
Þeer Sce Jeer jeJe 13 13 01.04.2021-31.03.2022
efjheesì&
Þeer DeeueeskeÀ ÞeerJeemleJe 13 13 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 13 13 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 13 13 01.04.2021-31.03.2022
[e@. yeer kesÀ efmevne 11 13 01.04.2021-31.03.2022
Þeer heer pes Lee@ceme 13 13 01.04.2021-31.03.2022
Þeerceleer efceveer DeeF&he 3 3 01.04.2021-31.06.2021
Þeer efovesMe heebieleer 10 10 01.07.2021-31.03.2022
Þeer he´oerhe he´eCeueeue efKeceeveer 3 3 21.12.2021-31.03.2022
meer) yees[& keÀer meefceefle³eeW keÀe efJeJejCe vi) ie´enkeÀ mesJee meefceefle
efJeÊeer³e
Deepe keÀer leejerKe lekeÀ , Yeejle mejkeÀej, Yeejleer³e efjpeJe& yeQkeÀ, Yeejleer³e vii) met®evee he´ewÐeesefiekeÀer jCeveerefle meefceefle
he´efleYetefle Deewj efJeefvece³e yees[& Deewj mJe³eb yees[& Üeje peejer efveOee&efjle
viii) efnleOeejkeÀ mebyebOe meefceefle
efve³eceeW/efJeefve³eceeW Deewj efveoxMeeW kesÀ lenle yees[& keÀer kegÀue 16 meefceefle³eeb
ieefþle keÀer ieF& nQ. Fve meefceefle³eeW keÀe efJeJejCe Fme he´keÀej nw:- ix) veeceebkeÀve Deewj heeefjÞeefcekeÀ meefceefle
i) yees[& keÀer he´yebOeve meefceefle x) meleke&Àlee meefceefle
ii) $eÝCe mJeerke=Àefle meefceefle xi) he´efme×eble cetu³eebkeÀve meefceefle
iii) yees[& keÀer uesKee hejer#ee meefceefle xii) ceeveJe mebmeeOeve meefceefle
iv) peesefKece he´yebOeve meefceefle xiii) Jemetueer keÀer efveiejeveer kesÀ efueS yees[& keÀer meefceefle
v) yeæ[s cetu³e keÀer OeesKeeOeæ[er keÀer efveiejeveer kesÀ efueS yees[& keÀer efJeMes<e xiv) hetbpeer mebie´nCe meefceefle
meefceefle
xv) Demen³eesieer $eÝCeer Ieesef<ele keÀjves kesÀ efueS meceer#ee meefceefle efMekeÀe³eleeW kesÀ meceeOeeve kesÀ efueS, ³ee efkeÀmeer efve³egefÊeÀ, Devegceesove ³ee
xvi) Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve keÀer meceer#ee meefceefle meceer#ee keÀjves kesÀ mebyebOe ceW yees[& keÀer SkeÀ meefceefle keÀer MeefÊeÀ³eeW keÀe
he´³eesie keÀjves keÀe DeefOekeÀej nw, efpemes keÀevetve Üeje keÀjvee DeeJeM³ekeÀ nw,
Yeejle mejkeÀej ves efoveebkeÀ 25 peveJejer, 2021 keÀer DeefOemet®evee kesÀ yeMelex yees[& meblegä nes efkeÀ Ssmeer meefceefle keÀer yewþkeÀ kesÀ efueS Ssmeer meefceefle
ceeO³ece mes jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj efJeefJeOe he´eJeOeeve) ³eespevee, ceW efkeÀmeer Yeer efjefÊeÀ kesÀ DeeqmlelJe ³ee GmekesÀ meom³e Üeje Deueie nesves kesÀ
1970 ceW SkeÀ efJeMes<e he´eJeOeeve (Keb[ 14S) meeqcceefuele keÀjles ngS keÀejCe keÀesjce hetje veneR efkeÀ³ee pee mekeÀlee nw.
mebMeesOeve efkeÀ³ee, pees nw:
i) yees[& keÀer he´yebOeve meefceefle:
“ peneb SkeÀ jeä^er³eke=Àle yeQkeÀ keÀes keÀevetve Üeje keÀesF& keÀe³e& ³ee keÀe³e& keÀjves
yees[& keÀer he´yebOeve meefceefle keÀe ieþve jeä^er³eke=Àle yeQkeÀ (he´yebOeve
keÀer DeeJeM³ekeÀlee nesleer nw Deewj Ssmee keÀjves kesÀ efueS efkeÀmeer efve³egefÊeÀ,
Deewj efJeefJeOe he´eJeOeeve) ³eespevee, 1970 kesÀ meeLe yeQeEkeÀie kebÀheveer
Devegceesove ³ee meceer#ee kesÀ mebyebOe ceW efmeHeÀeefjMeeW ³ee efveOee&jCe, ³ee he´efleYetefle
(Ghe¬eÀceeW keÀe DeefOeie´nCe Deewj nmleeblejCe) DeefOeefve³ece, 1970
OeejkeÀeW keÀer efMekeÀe³eleeW keÀe meceeOeeve keÀjves kesÀ efueS efkeÀmeer Yeer meefceefle
kesÀ lenle efkeÀ³ee ie³ee nw. meefceefle YeeweflekeÀ cenlJe kesÀ efJeefYeVe
keÀe Devegceesove DeLeJee meceer#ee keÀer DeeJeM³ekeÀlee nesleer nw Deewj ³eefo yees[&
J³eeJemeeef³ekeÀ ceeceueeW hej efJe®eej keÀjleer nw pewmes G®®e cetu³e
Fme yeele mes meblegä nw efkeÀ Ssmeer meefceefle keÀer yewþkeÀ kesÀ efueS keÀesjce Ssmeer
$eÝCe he´mleeJe, mecePeewlee/yeÆs Keeles ceW [eueves kesÀ he´mleeJe, hetbpeer
meefceefle ceW efkeÀmeer Yeer efjefÊeÀ kesÀ DeeqmlelJe ³ee GmekesÀ meom³e Üeje Deueie
Deewj jepemJe J³e³e, heefjmej, efveJesMe Deeefo keÀer cebpetjer Deeefo.
nesves kesÀ keÀejCe hetje veneR efkeÀ³ee pee mekeÀlee nw, lees yees[& Jen keÀe³e& ³ee
31.03.2022 lekeÀ, FmeceW 5 meom³e Meeefceue Les, efpemeceW he´yebOe
ieefleefJeefOe keÀjlee nw. ”
efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer, 3 keÀe³e&keÀejer
Ghe³eg&ÊeÀ kesÀ Devegmeej jeä^er³eke=Àle yeQkeÀ kesÀ efveosMekeÀ ceb[ue keÀes efkeÀmeer efveosMekeÀ Deewj efjpeJe& yeQkeÀ kesÀ veeefcele efveosMekeÀ Meeefceue Les.
Yeer keÀe³e& ³ee ieefleefJeefOe keÀes keÀjves kesÀ efueS, ³ee he´efleYetefle OeejkeÀeW keÀer
Je<e& kesÀ oewjeve, yees[& keÀer he´yebOeve meefceefle keÀer 16 yewþkeWÀ efvecveefueefKele efleefLe³eeW ceW Dee³eesefpele keÀer ieF&:
17.04.2021 31.05.2021 09.08.2021 25.10.2021 15.12.2021
30.04.2021 17.06.2021 20.09.2021 10.11.2021 31.01.2022
21.05.2021 19.07.2021 28.09.2021 01.12.2021 15.03.2022
30.03.2022
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe efvecveevegmeej nw :
efveosMekeÀ keÀe veece GheeqmLeefle ope& GvekesÀ keÀe³e&keÀeue ceW ngF& DeJeefOe (mes- lekeÀ)
yewþkeWÀ
Þeer Sce Jeer jeJe 16 16 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 16 16 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 15 16 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 16 16 01.04.2021-31.03.2022
Þeer heer pes Lee@ceme 16 16 01.04.2021-31.03.2022
ii) $eÝCe Devegceesove meefceefle:
jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj efJeefJeOe he´eJeOeeve) ³eespevee, 1970 kesÀ Keb[ 13S kesÀ Devegmeej, efveosMekeÀ ceb[ue keÀer $eÝCe Devegceesove meefceefle keÀe ieþve
31.01.2012 mes efkeÀ³ee ie³ee nw. meefceefle ves 100 keÀjesæ[ ©he³es mes 400.00 keÀjesæ[ lekeÀ J³eefÊeÀiele GOeejkeÀlee& kesÀ efueS Deewj mecetn keÀer kebÀheefve³eeW/
GOeejkeÀlee&DeeW kesÀ efueS ©he³es 200 keÀjesæ[ ©he³es mes 800 keÀjesæ[ ©he³es lekeÀ kesÀ $eÝCe he´mleeJe leLee 10 keÀjesæ[ Deewj ` 50 keÀjesæ[ mes DeefOekeÀ kesÀ Ieeìs
(mesef¬eÀ]HeÀeF&]pe) Jeeues he´mleeJeeW keÀes mecePeewlee / yeÆs Keeles ceW [euevee Deeefo kesÀ efueS yees[& keÀer MeefÊeÀ³eeW keÀe he´³eesie efkeÀ³ee. meefceefle ceW he´yebOe efveosMekeÀ Deewj cegK³e
keÀe³e&keÀejer DeefOekeÀejer, keÀe³e&heeuekeÀ efveosMekeÀ Deewj peesefKece he´yebOeve, $eÝCe, uesKee / efJeÊe Deewj $eÝCe efveiejeveer Deewj veerefle kesÀ he´Yeejer cenehe´yebOekeÀ Meeefceue
nQ.
Je<e& kesÀ oewjeve, $eÝCe Devegceesove meefceefle keÀer 22 yewþkeWÀ efvecveefueefKele efleefLe³eeW ceW Dee³eesefpele keÀer ieF&:
30.04.2021 30.06.2021 30.09.2021 30.12.2021 29.03.2022
12.05.2021 19.07.2021 28.10.2021 15.01.2022 31.03.2022
31.05.2021 17.08.2021 16.11.2021 31.01.2022
10.06.2021 26.08.2021 07.12.2021 25.02.2022
24.06.2021 27.09.2021 22.12.2021 19.03.2022
iii)
yees[& keÀer uesKee hejer#ee meefceefle he´yebOeve Üeje efveCe&³e kesÀ he´³eesie kesÀ DeeOeej hej he´cegKe uesKee he´efJeeqä³eeW
jCeefveleer
yees[& keÀer uesKee-hejer#ee meefceefle(Smeeryeer) keÀe ieþve, Yeejleer³e efjpeJe& keÀer meceer#ee keÀjvee Deewj uesKeehejer#ee mes GlheVe nesves Jeeues efkeÀmeer Yeer
yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej, efveosMekeÀ ceb[ue Üeje efkeÀ³ee ie³ee cenlJehetCe& mecee³eespeve keÀer meceer#ee keÀjvee;
nw. Smeeryeer efoMeeefveoxMe osves kesÀ meeLe-meeLe yeQkeÀ ceW DeebleefjkeÀ uesKee cemeewoe uesKee-hejer#ee efjheesì& keÀer iegCeJeÊee;
hejer#ee Deewj efvejer#eCe kesÀ mebieþve, heefj®eeueve heÜefle leLee yeQkeÀ kesÀ efkeÀmeer Yeer mecem³ee keÀe helee ueieeves kesÀ efueS uesKeehejer#ekeÀeW kesÀ meeLe
Deboj DeebleefjkeÀ uesKee hejer#ee SJeb efvejer#eCe keÀe iegCeJeÊee efve³eb$eCe Deewj uesKeehejer#ee kesÀ yeeo ®e®ee& keÀjvee;
yeQkeÀ keÀer meebefJeefOekeÀ/yee¿e uesKee hejer#ee leLee Yeejleer³e efjpeJe& yeQkeÀ kesÀ DeebleefjkeÀ uesKee-hejer#ee kesÀ keÀe³e&#es$e keÀer DeeJeM³ekeÀlee Deewj yeejbyeejlee
efvejer#eCeeW keÀer DevegJeleea keÀej&JeeF& meefnle, yeQkeÀ kesÀ meceie´ uesKee keÀe³e& efveeq½ele keÀjvee, DeebleefjkeÀ uesKee hejer#ekeÀeW kesÀ efve<keÀ<eeX keÀer meceer#ee Deewj
kesÀ heefj®eeueveeW keÀe he³e&Jes#eCe keÀjleer nw. uesKee hejer#ee meefceefle kesÀ keÀe³e& DeebleefjkeÀ efve³eb$eCe he´Ceeueer keÀer he³ee&hlelee megefveeq½ele keÀjvee;
meboYe& efvecveevegmeej nQ :
met®evee
efJeÊeer³e efJeJejCeeW mes mebyebefOele mìe@keÀ SkeÌme®eWpeeW keÀer efJeefOekeÀ
Deblej-MeeKee mecee³eespeve KeeleeW, Deblej-yeQkeÀ SJeb vee@mì^es KeeleeW ceW uebyes DeeJeM³ekeÀleeDeeW keÀe ueeiet meercee lekeÀ Devegheeueve;
mece³e mes yekeÀe³ee hegjeveer he´efJeeqä³eeW, yener meblegueve keÀe hegjevee yekeÀe³ee Ssmes Dev³e ceeceues pees mece³e-mece³e hej uesKee hejer#ee meefceefle Üeje efkeÀmeer
keÀe³e&, OeesKeeOeæ[er SJeb neGmekeÀereEheie kesÀ Dev³e he´cegKe #es$eeW kesÀ DevegJeleea Yeer JewOeeefvekeÀ, mebefJeoelcekeÀ ³ee efve³eecekeÀ DeeJeM³ekeÀleeDeeW ceW Yeeie uesves
keÀe³e& hej efJeMes<e O³eeve kesÀeqvêle keÀjles ngS yeQkeÀ keÀer DeebleefjkeÀ uesKee kesÀ efueS DeeJeM³ekeÀ nes mekeÀles nQ.
hejer#ee, DeebleefjkeÀ efvejer#eCe/uesKee hejer#ee keÀer meceer#ee; yees[& keÀer uesKee hejer#ee meefceefle ceW keWÀêer³e uesKee hejer#ee Deewj efvejer#eCe
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efveoxMeeW kesÀ Devegmeej yeQkeÀ ceW efve³egÊeÀ Devegheeueve kesÀ he´Yeejer keÀe³e&keÀejer efveosMekeÀ, Yeejle mejkeÀej kesÀ veeefcele efveosMekeÀ,
DeefOekeÀeefj³eeW mes DeOe&-Jeee|<ekeÀ efjheesì& he´ehle keÀjvee Deewj GvekeÀer meceer#ee Yeejleer³e efjpeJe& yeQkeÀ kesÀ veeefcele efveosMekeÀ Deewj oes iewj-DeeefOekeÀeefjkeÀ
keÀjvee; iewj-keÀe³e&keÀejer efveosMekeÀ Meeefceue nQ, GveceW mes keÀce mes keÀce SkeÀ ®eeì&[&
efjheesì&
SkeÀeGbìWì nesvee ®eeefnS. keÀce&®eeefj³eeW mes efveosMekeÀeW keÀes Smeeryeer ceW Meeefceue
yees[& keÀes he´mlegle keÀjves mes henues uesKee hejer#ekeÀeW keÀer efìhheefCe³eeW meefnle veneR efkeÀ³ee peeSiee. efoveebkeÀ 31.03.2022 keÀer eqmLeefle kesÀ Devegmeej,
mJeleb$e uesKee hejer#ee kesÀ oe³ejs keÀer meceer#ee keÀjvee Deewj efleceener, DeOe&- Smeeryeer ceW SkeÀ heo efjÊeÀ jnlee nw ke̳eeWefkeÀ meefceefle ceW veeceebefkeÀle nesves kesÀ
Jeee|<ekeÀ Deewj Jeee|<ekeÀ efJeÊeer³e efJeJejCeeW keÀer meceer#ee keÀjvee; efueS keÀesF& hee$e meom³e veneR nw.
$ewceeefmekeÀ/DeOe&Jeee|<ekeÀ/Jeee|<ekeÀ efJeÊeer³e KeeleeW Deewj efjheesìeX keÀes Debeflece 31.03.2022 keÀes uesKeehejer#ee meefceefle keÀer mebj®evee Fme he´keÀej Leer:
ªhe osves mes henues uee@vie HeÀe@ce& Dee@ef[ì efjheesì& (SueSHeÀSDeej) ceW GþeS
ieS meYeer cegÎeW hej meebefJeefOekeÀ uesKee hejer#ee kesÀ mebyebOe ceW Deewj yeenjer 1 Þeer efovesMe heebieleer DeO³e#e
2 Þeer DeeueeskeÀ ÞeerJeemleJe meom³e
uesKee hejer#ekeÀeW kesÀ meeLe yeele®eerle keÀjvee; 3 [e@ Yet<eCe kegÀceej efmevne meom³e
KeeleeW, uesKee veerefle³eeW Deewj he´keÀìerkeÀjCeeW keÀer efve³eefcele ªhe mes meceer#ee 4 Þeer heer.pes. Lee@ceme meom³e efJeÊeer³e
keÀjvee; 5 Þeer he´oerhe he´eCeueeue efKeceeveer meom³e
Je<e& kesÀ oewjeve, uesKeehejer#ee meefceefle keÀer efvecveefueefKele efleefLe³eeW hej yeej 9 yewþkesbÀ ngF&:
28.05.2021 30.06.2021 09.09.2021 02.12.2021 21.03.2022
07.06.2021 28.07.2021 26.10.2021 27.01.2022
yeQkeÀ kesÀ DeuesKeehejeref#ele efleceener heefjCeeceeW Deewj Je<e& kesÀ efueS peeieªkeÀlee Deewj peesefKece he´yebOeve veerefle³eeW keÀer mejenvee keÀe me=peve
uesKeehejeref#ele heefjCeeceeW keÀer yees[& keÀer uesKee hejer#ee meefceefle Üeje meceer#ee Deewj efvecee&Ce Yeer keÀjsiee. yeQkeÀeW kesÀ heefj®eeueve peesefKece kesÀ he´yebOeve kesÀ
keÀer ieF& Deewj Devegceesove kesÀ efueS efveosMekeÀ ceb[ue kesÀ mece#e jKee ie³ee. efueS veerefle³eeB Deewj ceeie&oMe&keÀ efme×eble keÀer mece³e mece³e hej meceer#ee
iv) peesefKece he´yebOeve meefceefle keÀer peeSieer. meeLe ner meefceefle veerefle kesÀ Devegheeueve kesÀ efveiejeveer kesÀ
peesefKece he´yebOeve meefceefle keÀe ieþve yees[& Üeje Yeejleer³e efj]peJe& yeQkeÀ efueS mece³e-mece³e hej met®evee keÀer meceer#ee keÀjsieer.
kesÀ heefjhe$e [eryeerDees[er meb.[erheer(Smemeer)yeermeer/98/21.04.103/39 » hetjs yeQkeÀ ceW SSueSce kesÀ cegÎeW kesÀ yeejs ceW peeieªkeÀlee Deewj cetu³emebJeOe&ve
efoveebkeÀ 7 DeÊegÀyej 1999 Deewj yees[& keÀer yewþkeÀ efoveebkeÀ 20.04.2002 hewoe keÀjvee. yeQkeÀ keÀer Jeebefíle peesefKece Jejer³eleeDeeW SJeb yewueWme Meerì
keÀer keÀe³e&met®eer mebK³ee yeerSce/01/2002-03/3.2 kesÀ lenle leLee he´esHeÀeFue keÀes yeveeS jKeves nsleg yewueWme Meerì mebj®evee, efJeÊe hees<eCe
Yeejleer³e efjpeJe& yeQkeÀ Üeje mLeeefhele [e@ ieebiegueer mecetn keÀer efjheesì& kesÀ mebj®evee cetu³e efveOee&jCe SJeb keÀe@heexjsì ³eespevee kesÀ #es$eeW ceW Gef®ele
megPeeJeeW kesÀ DeeOeej hej efkeÀ³ee ie³ee Lee. efoMeeefveoxMeeW keÀe Ghe³eesie keÀjvee.
peesefKece he´yebOeve meefceefle keÀe GÎsM³e:- » peesefKece he´yebOeve Deewj DeeOeeefjle he³e&Jes#eCe kesÀ keÀe³eeX keÀes meceehle
» meefceefle yeQkeÀ kesÀ mece#e Deeves Jeeues peesefKeceeW kesÀ mebyebOe ceW oerIe&keÀeefuekeÀ keÀjves kesÀ efueS mLeeefhele efkeÀS ieS efveoxMeelcekeÀ leb$e keÀer mece³e-mece³e
Deewj DeuhekeÀeefuekeÀ oesveeW ¢eqäkeÀesCe DeheveeSieer. hej meceer#ee keÀjvee.
» oerIe&keÀeefuekeÀ efnle Deewj efveefnleeLeeX keÀes O³eeve ceW jKeles ngS, ³en yeQkeÀ » meefceefle SkeÀerke=Àle peesefKece he´yebOeve kesÀ efueS veerefle Deewj jCeveerefle lew³eej
kesÀ peesefKece efme×ebleeW keÀes mheä Deewj meef¬eÀ³e ªhe mes DeÐeleve keÀjsieer keÀjsieer efpemeceW $eÝCe peesefKece meefnle yeQkeÀ kesÀ efJeefYeVe peesefKece Meeefceue
nQ,
» heefj®eeueve keÀes megmebiele keÀjves keÀer ¢eqä mes, ³en yeQkeÀ kesÀ peesefKece
he´esHeÀeFue keÀer meceer#ee keÀjsiee Deewj peesefKece keÀes yesnlej {bie mes Je<e& kesÀ oewjeve, Fme meefceefle keÀer 4 yewþkeWÀ efvecveefueefKele efleefLe³eeW ceW
he´yebefOele keÀjves kesÀ efueS ³eLesä mebmLeeDeeW keÀes efveoxMe/efoMeeefveoxMe Dee³eesefpele keÀer ieF&:
peejer keÀjsieer. 30.06.2021 21.09.2021 15.12.2021 25.02.2022
» meefceefle efJeefYeVe peesefKece he´yebOeve he´³eemeeW Deewj veerefle efoMeeefveoxMeeW kesÀ 31.03.2022 keÀes peesefKele ÒeyebOeve meefceefle keÀer mebj®evee Fme ÒekeÀej Leerë
DeefYemejCe kesÀ efueS Meer<e& meefceefle nesieer. ³en yeQkeÀ kesÀ peesefKece he´yebOeve
efme×eble keÀes mheä keÀjves Deewj efoMee-efveoxMe he´oeve keÀjves kesÀ lenle 1. Þeer Sce Jeer jeJe DeO³e#e
yeQkeÀ kesÀ peesefKece he´esHeÀeFue keÀes mheä keÀjves hej yees[& kesÀ efoMee-efveoxMe 2. Þeer DeeueeskeÀ ÞeerJeemleJe meom³e
he´oeve keÀjves ceW megefJeOee he´oeve keÀjsieer. ³en yeQkeÀ kesÀ efueS peesefKece 3. Þeer efJeJeskeÀ Jeener meom³e
Gþeves keÀer #ecelee keÀes Fbefiele keÀjves kesÀ efueS J³eehekeÀ efoMee-efveoxMe
4. Þeer jepeerJe hegjer meom³e
he´oeve keÀjves kesÀ efueS yeQkeÀ kesÀ peesefKece kesÀ yeejs ceW SkeÀ SkeÀerke=Àle
¢eqäkeÀesCe Dehevee³esieer. 5. [e@ Yet<eCe kegÀceej efmevne meom³e
» ³en meefceefle $eÝCe peesefKece he´yebOeve veerefle³eeW keÀer meceer#ee ³en 6. Þeer efovesMe heebieleer meom³e
megefveeq½ele keÀjves kesÀ efueS keÀjsieer efkeÀ Jes peesefKece efme×ebleeW leLee 7. Þeer he´oerhe he´eCeueeue efKeceeveer meom³e
peesefKece he´eLeefcekeÀleeDeeW kesÀ Deveªhe nw. ³en mebieþveelcekeÀ J³eehekeÀ
jCeefveleer
Þeer he´oerhe he´eCeueeue efKeceeveer 1 1 27.01.2022-31.03.2022
v) yeæ[s cetu³e keÀer OeesKeeOeæef[³eeW keÀer efveiejeveer kesÀ efueS yees[& keÀer ueiee³ee pee mekesÀ.
efJeMes<e meefceefle (3) meeryeerDeeF&/hegefueme peeb®e keÀer Òeieefle, Deewj Jemetueer keÀer efmLeefle hej
OeesKeeOeæ[er kesÀ ceeceueeW keÀer efveiejeveer Deewj DevegJeleea keÀej&JeeF& kesÀ efueS efveiejeveer jKeer pee mekesÀ leLee
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e DeejyeerDeeF& 2004.15 [eryeerSme.
(4) megefveeq½ele nes efkeÀ OeesKeeOeæ[er kesÀ meYeer ceeceueeW ceW meYeer mlejeW hej
SHeÀpeerJeer vebyej 1004/23.04.01S/2003-04 efoveebkeÀ 14 peveJejer
keÀce&®eeefj³eeW keÀer peJeeyeosner keÀer peeb®e keÀer peeleer nw Deewj ³eefo
2004 kesÀ lenle yeæ[s cetu³e keÀer OeesKeeOeæ[er efpemeces 1 keÀjesæ[ SJeb Gmemes
DeeJeM³ekeÀ nes, lees efyevee mece³e kesÀ vegkeÀmeeve kesÀ mìeHeÀ kesÀ efJeªOo
DeefOekeÀ ©he³es keÀer jeefMe Meeefceue nw, keÀer efveiejeveer kesÀ efueS yees[& keÀer
keÀej&JeeF& hetjer keÀer peeleer nQ.
efJeMes<e meefceefle keÀe ieþve efkeÀ³ee ie³ee Lee, peyeefkeÀ uesKeehejer#ee meefceefle
met®evee
meeceev³e ªhe mes OeesKeeOeæ[er kesÀ meYeer ceeceueeW keÀer efveiejeveer keÀjvee peejer (5) OeesKeeOeæ[er keÀer hegvejeJe=efÊe keÀes jeskeÀves kesÀ efueS keÀer ieF&
jKe mekeÀleer nw. Ghe®eejelcekeÀ keÀej&JeeF& keÀer ÒeYeeJekeÀeefjlee keÀer meceer#ee, pewmes keÀer
DeebleefjkeÀ efve³eb$eCe keÀes cepeyetle keÀjlee, keÀer pee mekesÀ.
meefceefle keÀe he´cegKe keÀe³e& `1 keÀjesæ[ SJeb DeefOekeÀ keÀer meYeer OeesKeeOeæ[er
keÀer efveiejeveer Deewj meceer#ee keÀjvee nw leeefkeÀ - (6) OeesKeeOeæ[er kesÀ efKeueeHeÀ efveJeejkeÀ Ghee³eeW keÀes cepeyetle keÀjves kesÀ
efueS Dev³e Ghee³eeW keÀes ueeiet efkeÀ³ee pee³es efpevnW he´emebefiekeÀ ceevee pee
(1) he´Ceeueeriele keÀefce³eeb ³eefo keÀesF& nes pees OeesKeeOeæ[er keÀes keÀe³ece jKeves
mekeÀlee nw.
ceW ceoo keÀjleer nw keÀer hen®eeve nes Deewj Gmes otj keÀjves kesÀ Ghee³e
lew³eej efkeÀS pee mekesÀ. meefceefle keÀer Je<e& kesÀ oewjeve efvecveefueefKele efleefLe³eeW hej 4 yeej yewþkeÀ
ngF&:
(2)
yeQkeÀ Deewj Yeejleer³e efj]peJe& yeQkeÀ kesÀ Meer<e& ÒeyebOeve keÀes efjheesì& Òemlegle
efjheesì&
keÀjves ceW osjer nesves hej, ³eefo keÀesF& nw, lelmebyebOeer keÀejCeeW keÀe helee 21.05.2021 21.09.2021 02.12.2021 15.02.2022
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe veer®es oMee&³ee ie³ee nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ oewjeve DeJeefOe (mes - lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer leheve js 1 1 01.04.2021-22.05.2021
Þeer Sce Jeer jeJe 4 4 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 4 4 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 4 4 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 4 4 01.04.2021-31.03.2022
efJeÊeer³e
[e@ Yet<eCe kegÀceej efmevne 3 4 01.04.2021-31.03.2022
Þeer he´oerhe he´eCeueeue efKeceeveer 1 1 27.01.2022-31.03.2022
vi) yees[& keÀer ie´enkeÀ mesJee meefceefle ii) yeQkeÀeW ceW ueeskeÀ mesJeeDeeW hej keÀe³e&efJeefOe Deewj efve<heeove uesKeehejer#ee
efJeefYeVe yeQeEkeÀie mesJeeDeeW kesÀ mebyebOe ceW ie´enkeÀ mesJeeDeeW ceW J³eehekeÀ DeeOeej meefceefle keÀer efmeHeÀeefjMeeW keÀe Devegheeueve megefveeq½ele keÀjvee
hej megOeej keÀe meceLe&ve keÀjves kesÀ GÎsM³e mes [e@. Sme.Sme. leejehegj keÀer iii) ie´enkeÀ mesJee keÀer iegCeJeÊee yeæ{eves Deewj meYeer mlejeW hej ie´enkeÀeW keÀer
DeO³e#elee ceW Yeejleer³e efj]peJe& yeQkeÀ Üeje mLeeefhele ueeskeÀ mesJeeDeeW hej meYeer ÞesefCe³eeW kesÀ efueS ie´enkeÀeW keÀer meblegeqä kesÀ mlej ceW megOeej kesÀ
he´ef¬eÀ³eeDeeW Deewj efve<heeove uesKee hejer#ee meefceefle kesÀ meeLe heefþle 14 efueS DeefYeveJe Ghee³e Megª keÀjvee.
Deiemle 2004 kesÀ he$e keÀer meueen kesÀ Devegmeej yees[& keÀer ie´enkeÀ mesJee Je<e& kesÀ oewjeve, meefceefle keÀer 4 yeej efvecveefueefKele efleefLe³eeW ceW Dee³eesefpele
meefceefle keÀe ieþve efkeÀ³ee ie³ee Lee. ngF&:
meefceefle keÀer YetefcekeÀe:
30.06.2021 28.09.2021 15.12.2021 25.02.2022
i) yeQkeÀ Üeje he´oeve keÀer peeves Jeeueer ie´enkeÀ mesJee keÀer iegCeJeÊee ceW
efvejblej megOeej ueevee
Jeeef<e&keÀ efjheesì& 2021-22 119
keÀe@jheesjsì ieJeveXme
peejer
jCeefveleer
Je<e& 2021-22 kesÀ oewjeve, Fme meefceefle keÀer efvecveefueefKele efleefLe³eeW keÀes 4 yewþkeWÀ Dee³eesefpele keÀer ieF&ë
21.05.2021 28.09.2021 02.12.2021 15.02.2022
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe veer®es efoKee³ee ie³ee nw:
efveosMekeÀeW keÀe veece GheeqmLeefle DeefYeuesKe
GvekesÀ keÀe³e&keÀeue kesÀ oewjeve meefceefle keÀer DeJeefOe (mes - lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer leheve js 1 1 01.04.2021-22.05.2021
Þeer Sce Jeer jeJe 4 4 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 4 4 01.04.2021-31.03.2022
met®evee
Þeer efJeJeskeÀ Jeener 4 4 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 4 4 01.04.2021-31.03.2022
Þeerceleer efceveer DeeF&he 0 1 01.04.2021-30.06.2021
Þeer efovesMe heebieleer 2 3 01.07.2021-31.03.2022
Þeer he´oerhe he´eCeueeue efKeceeveer 1 1 27.01.2022-31.03.2022
Je<e& 2021-22 (01.04.2021 mes 31.03.022) kesÀ efueS efveJesMekeÀ efMekeÀe³eleeW keÀe efJeJejCe efvecveevegmeej nw:
1 Je<e& kesÀ ÒeejbYe ceW uebefyele efMekeÀe³eleW Metv³e
2 Mes³ej he´ceeCehe$e he´ehle ve nesves / Mes³ejeW keÀer he´eeqhle ve nesves kesÀ efueS he$e Metv³e
3 ueeYeebMe JeejbìeW keÀer iewj he´eeqhle Metv³e
efjheesì&
4 Jeee|<ekeÀ efjheesì& / F&peerSce met®evee keÀer he´eeqhle ve nesvee Metv³e
5 OeveJeehemeer DeeosMe keÀer iewj he´eeqhle Metv³e
6 DemJeerke=Àle [erDeejSHeÀ keÀer Dehe´eeqhle Metv³e
7 Dev³e (SveSmeF&, yeerSmeF&, mesyeer) 3
8 he´ehle kegÀue efMekeÀe³eleW 3
9 GheeqmLele / meceeOeeve keÀer ieF& kegÀue efMekeÀe³eleW 3
10 Je<e& kesÀ Deble ceW uebefyele kegÀue efMekeÀe³eleW Metv³e
nce hegeqä keÀjles nQ efkeÀ efveJesMekeÀeW keÀer keÀesF& Yeer efMekeÀe³ele 30 efoveeW mes DeefOekeÀ DeJeefOe nsleg efyevee O³eeve efoS/uebefyele veneR jner nw.
ix) veeceebkeÀve Deewj heeefjÞeefcekeÀ meefceefle efveosMekeÀ kesÀ ªhe ceW ®egves peeves Deewj hetCe&keÀeefuekeÀ efveosMekeÀeW keÀes he´efme×eble
efJeÊeer³e
meeJe&peefvekeÀ #es$e kesÀ yeQkeÀeW ces ieJeveXme megOeej hej Yeejle mejkeÀej, mes pegæ[s he´eslmeenve hej efJe®eej keÀjves kesÀ efueS J³eefÊeÀ³eeW keÀer ‘Ghe³egÊeÀ Deewj
efJeÊe ceb$eeue³e, efJeÊeer³e mesJee efJeYeeie ([erSHeÀSme) meb®eej mebK³ee. SHeÀ. Gef®ele’ eqmLeefle efveOee&efjle keÀjves kesÀ efueS Gef®ele he´ef¬eÀ³ee Megª keÀer pee
meb.16/19/2019-yeerDees.DeeF& efoveebkeÀ 30.08.2019 kesÀ meeLe heefþle mekesÀ. efoveebkeÀ 31.03.2022 keÀes, veeceebkeÀve Deewj heeefjÞeefcekeÀ meefceefle
Yeejleer³e efjpeJe& yeQkeÀ kesÀ he$e mebK³ee DeejyeerDeeF&/[eryeerDeej/2019-20/71 ceW DeO³e#e kesÀ ªhe ceW Þeer he´oerhe he´eCeueeue efKeceeveer, meom³e kesÀ ªhe ceW
ceemìj efveosMe [eryeerDeej.Shì meb.9/29.67.001/2019-20 efoveebkeÀ Þeer efovesMe heebieleer Deewj meefceefle ceW meom³e keÀe SkeÀ heo efjÊeÀ Lee. Je<e&
02.08.2019 kesÀ Devegheeueve ces yees[& meefceefle he´Ceeueer keÀes cepeyetle kesÀ oewjeve veeceebkeÀve SJeb heeefjÞeefcekeÀ meefceefle keÀer keÀesF& yewþkeÀ veneR ngF&.
keÀjves kesÀ efueS yeQkeÀ ves 30.09.2019 keÀes veeceebkeÀve meefceefle Deewj efveosMekeÀ ceb[ue ves keWÀê mejkeÀej kesÀ DeueeJee Dev³e Mes³ejOeejkeÀeW kesÀ
heeefjÞeefcekeÀ meefceefle keÀe efJeue³e keÀjkesÀ SkeÀ veeceebkeÀve Deewj heeefjÞeefcekeÀ he´efleefveefOe kesÀ ªhe ceW yeQkeÀ kesÀ efveosMekeÀ kesÀ ®egveeJe kesÀ efueS mebYeeefJele
meefceefle keÀe ieþve efkeÀ³ee, efpemeceW yees[& ceW mes v³etvelece leerve iewj-keÀe³e&keÀejer GcceeroJeej.Þeer efovesMe heebieleer keÀer “Ghe³egÊeÀ Deewj Gef®ele” eqmLeefle kesÀ
efveosMekeÀ Meeefceue Les efpeveceW mes keÀce mes keÀce DeeOes mJeleb$e efveosMekeÀ neWies efveOee&jCe kesÀ efueS jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj efJeefJeOe he´eJeOeeve)
Deewj yees[& keÀer peesefKece he´yebOeve meefceefle mes keÀce mes keÀce SkeÀ meom³e ³eespevee, 1970 kesÀ Keb[ 14 S kesÀ Devegmeej efoveebkeÀ 17.06.2021 keÀes
Meeefceue nesvee ®eeefnS, efpememes yeQeEkeÀie kebÀheveer (DeefOeie´nCe Deewj Ghe¬eÀce) Deheveer yewþkeÀ ceW veeceebkeÀve Deewj heeefjÞeefcekeÀ meefceefle keÀer MeefÊeÀ³eeW keÀe
DeefOeefve³ece, 1970 keÀer Oeeje 9 keÀer Ghe-Oeeje (3) kesÀ Keb[ (i) kesÀ lenle he´³eesie efkeÀ³ee.
x) meleke&Àlee meefceefle
meleke&Àlee DevegMeemeveelcekeÀ ceeceueeW Deewj efJeYeeieer³e he´MveeW keÀer efleceener DeeOeej hej meceer#ee keÀjves kesÀ efueS yeQkeÀ kesÀ heeme meleke&Àlee meefceefle nw. meefceefle ceW
meefceefle kesÀ DeO³e#e kesÀ ªhe ceW he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer Deewj meefceefle kesÀ meom³eeW kesÀ ªhe ceW Yeejle mejkeÀej Deewj Yeejleer³e efjpeJe&
yeQkeÀ kesÀ veeefcele efveosMekeÀ Meeefceue nQ.
Je<e& kesÀ oewjeve, Fme meefceefle keÀer efvecveefueefKele efleefLe³eeW keÀes 4 yewþkeWÀ Dee³eeefpele keÀer ieF&ë
17.06.2021 28.09.2021 01.12.2021 25.02.2022
meom³eeW keÀer GheeqmLeefle keÀe DeefYeuesKe veer®es efoKee³ee ie³ee nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ oewjeve DeJeefOe (mes - lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer Sce Jeer jeJe 4 4 01.04.2021-31.03.2022
Þeer Yet<eCe kegÀceej efmevne 4 4 01.04.2021-31.03.2022
Þeer heer.pes. Lee@ceme 4 4 01.04.2021-31.03.2022
xi) yees[& keÀer ceeveJe mebmeeOeve meefceefle
ceeveJe mebmeeOeve kesÀ efJeefYevve ceeceueeW hej efJe®eej keÀjves kesÀ efueS efJeÊeer³e mesJee efJeYeeie, efJeÊe ceb$eeue³e, Yeejle mejkeÀej kesÀ meb®eej SHeÀ.meb.9/18/2009-
DeeF&Deej efoveebkeÀ cee®e& 2012 kesÀ ceeO³ece mes yees[& keÀer ceeveJe mebmeeOeve meefceefle keÀe ieþve 30.10.2013 keÀes efkeÀ³ee ie³ee Lee.
meefceefle keÀe keÀe³e&#es$e
meefceefle kesÀ keÀe³e&#es$e ceW efvecveefueefKele #es$e Meeefceue neWies:
1. heb®eJe<eea³e peveMeefÊeÀ ³eespevee Deewj FmekeÀer Jeee|<ekeÀ meceer#ee
2. GÊejesÊej heoie´nCe ³eespevee kesÀ efueS, cenlJehetCe& Deewj vesle=lJe heoeW keÀer $ewceeefmekeÀ meceer#ee,
3. DeefYeef®eeqvnle cenlJehetCe& heoeW kesÀ efueS, DeefOekeÀeefj³eeW keÀes lew³eej keÀjves kesÀ efueS efJeefYeVe he´Ceeefue³eeW kesÀ ceeO³ece mes DeefYeef®eeqvnle mebYeeefJele GÊejeefOekeÀeefj³eeW
keÀes lew³eej keÀjves nsleg efJeefYeVe he´keÀej keÀer he´Ceeefue³eeW kesÀ ceeO³ece mes mebYeeefJele DeefYeef®eeqvnle GÊejeefOekeÀeefj³eeW keÀer efleceener cee@efveìeEjie keÀe³e&Jeener.
4. Dev³e keÀesF& ceeveJe mebmeeOeve cegÎs, efpevnW DeO³e#e / Sce[er Deewj meerF&Dees / F&[er Üeje cenlJehetCe& Deewj efveCee&³ekeÀ ceevee peelee nw, pees S®eDeej veerefle³eeb,
J³eefÊeÀiele cegÎs ³ee heb®eeì keÀce&®eeefj³eeW kesÀ efÜhe#eer³e cegÎeW mes mebyebefOele veneR nw, GvnW DeewÐeesefiekeÀ efJeJeeo DeefOeefve³ece, 1947 kesÀ lenle, heb®eeì keÀce&®eeefj³eeW
keÀer yengmebK³ekeÀ ³etefve³eve kesÀ meeLe, DeefOekeÀeefj³eeW mes mecyebefOele efÜhe#eer³e veerefleiele cegÎs Fl³eeefo keÀe efveheìeve keÀjves nsleg, meefceefle keÀes meboe|Yele efkeÀ³ee
peevee DeeJeM³ekeÀ nesiee.
Je<e& kesÀ oewjeve, meefceefle keÀer efvecveefueefKele efleefLe³eeW ceW 5 yeej yewþkeWÀ Dee³eeefpele keÀer ngF&ë
21.05.2021 14.08.2021 21.10.2021 10.11.2021 25.02.2022
meom³eeW keÀer GheeqmLeefle keÀe efjkeÀe@[& veer®es efoKee³ee ie³ee nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ oewjeve DeJeefOe (mes - lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer leheve js 1 1 01.04.2021-22.05.2021
Þeer Sce Jeer jeJe 5 5 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 5 5 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 4 5 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 5 5 01.04.2021-31.03.2022
[e@ Yet<eCe kegÀceej efmevne 4 5 01.04.2020-31.03.2022
he´es. meer heer Þeerceeueer (Deecebef$ele) 5 5 01.04.2021-31.03.2022
Þeer Sme mesveieghlee (Deecebef$ele) 5 5 01.04.2021-31.03.2022
jCeefveleer
30.06.2021 21.09.2021 15.12.2021 15.02.2022
meom³eeW keÀer GheeqmLeefle keÀe efjkeÀe@[& veer®es efoKee³ee ie³ee nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ oewjeve DeJeefOe (mes- lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer Sce Jeer jeJe 4 4 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 4 4 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 4 4 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 4 4 01.04.2021-31.03.2022
[e@ Yet<eCe kegÀceej efmevne 1 4 01.04.2021-31.03.2022
met®evee
Þeerceleer efceveer DeeF&he 1 1 01.04.2021-30.06.2021
Þeer efovesMe heebieleer 1 3 01.07.2021-31.03.2022
Þeer he´oerhe he´eCeueeue efKeceeveer 1 1 27.01.2022-31.03.2022
xiii) hetbpeer mebie´nCe meefceefle
yeQkeÀ kesÀ heeme yees[& keÀer hetbpeer mebie´nCe meefceefle nw pees yeQkeÀ kesÀ efueS efì³ej 1 Deewj efì³ej 2 oesveeW hetbpeer le³e keÀjves Deewj mebie´nCe kesÀ efueS nw Deewj FmekesÀ mebyebOe
ceW meYeer meef¬eÀ³e keÀoce Gþeleer nw.
meefceefle keÀer Je<e& kesÀ oewjeve efvecveefueefKele efleefLe³eeW hej 3 yeej yewþkeÀ ngF&:
12.04.2021 20.04.2021 29.05.2021
efjheesì&
meom³eeW keÀer GheeqmLeefle keÀe efjkeÀe@[& veer®es efoKee³ee ie³ee nw:
efveosMekeÀ keÀe veece GheeqmLeefle DeefYeuesKe GvekesÀ keÀe³e&keÀeue kesÀ oewjeve DeJeefOe (mes- lekeÀ)
Dee³eesefpele yewþkeWÀ
Þeer Sce Jeer jeJe 3 3 01.04.2021-31.03.2022
Þeer DeeueeskeÀ ÞeerJeemleJe 3 3 01.04.2021-31.03.2022
Þeer efJeJeskeÀ Jeener 3 3 01.04.2021-31.03.2022
Þeer jepeerJe hegjer 3 3 01.04.2021-31.03.2022
xiv) iewj-menkeÀejer GOeejkeÀlee& keÀer Iees<eCee kesÀ efueS meceer#ee meefceefle efJeÊeer³e
efoveebkeÀ 22 efomebyej 2014 kesÀ Yeejleer³e efj]peJe& yewkeÀ heefjhe$e mebK³ee DeejyeerDeeF&/2014-15/362 [eryeerDeej meb.meerDeeF&[er yeermeer 54/ 20.16.064 /
2014-15 kesÀ Devegmeej Demen³eesieer GOeejkeÀlee& keÀer Iees<eCee kesÀ efueS meceer#ee meefceefle keÀe ieþve efkeÀ³ee ie³ee Lee. meefceefle ceW meefceefle kesÀ DeO³e#e kesÀ ªhe ceW
he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer SJeb oes mJeleb$e efveosMekeÀ meom³e Meeefceue nQ.
meefceefle keÀer YetefcekeÀe SkeÀ keÀe³e&keÀejer efveosMekeÀ keÀer DeO³e#elee Jeeueer DeebleefjkeÀ meefceefle kesÀ DeeosMe keÀer meceer#ee keÀjvee nw efpemeceW iewj-menkeÀejer GOeejkeÀlee&
kesÀ ªhe ceW ³ee DeejyeerDeeF& efoMeeefveoxMeeW kesÀ Devegmeej efkeÀmeer Keeles kesÀ JeieeakeÀjCe kesÀ efueS meom³eeW kesÀ ªhe ceW ¬esÀef[ì efveiejeveer Deewj Jemetueer Meeefceue nw. Je<e&
kesÀ oewjeve meefceefle keÀer keÀesF& yewþkeÀ veneR ngF&.
xv) Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve kesÀ efueS meefceefle kesÀ DeeosMe keÀer meceer#ee keÀjves kesÀ efueS meefceefle
1 pegueeF& 2015 keÀer Yeejleer³e efj]peJe& yewkeÀ DeefOemet®evee DeejyeerDeeF&/2015-16/100 kesÀ Devegmeej, Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve kesÀ efueS meceer#ee
meefceefle keÀe ieþve efkeÀ³ee ie³ee Lee. meefceefle ceW meefceefle kesÀ DeO³e#e kesÀ ªhe ceW he´yebOe efveosMekeÀ Deewj cegK³e keÀe³e&keÀejer DeefOekeÀejer Deewj meom³e kesÀ ªhe ceW oes
mJeleb$e efveosMekeÀ Meeefceue nQ. SkeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀer DeO³e#elee Jeeueer DeebleefjkeÀ meefceefle kesÀ DeeosMe keÀer meceer#ee keÀjves ceW meefceefle³eeW keÀer YetefcekeÀe
jnleer nw Deewj FmeceW Fjeoleve ®etkeÀkeÀlee&DeeW keÀer hen®eeve kesÀ efueS meom³e kesÀ ªhe ceW cenehe´yebOekeÀ-$eÝCe, $eÝCe efveiejeveer SJeb Jemetueer Meeefceue nQ.
Je<e& kesÀ oewjeve, efoveebkeÀ 09.03.2022 meefceefle keÀer SkeÀ yeej yewþkeÀ ngF&ë
Jeeef<e&keÀ efjheesì& 2021-22 123
keÀe@jheesjsì ieJeveXme
peejer
yeer. peneb DeeJeM³ekeÀ nes, Gef®ele mheäerkeÀjCe ³ee J³eeK³ee keÀer ceebie FmekesÀ DeefleefjÊeÀ efJeÊeer³e Je<e& kesÀ oewjeve Þeer meer heer Þeerceeueer Deewj Þeer
keÀjvee Sme mesveieghlee keÀes yees[& keÀer ceeveJe mebmeeOeve meefceefle keÀer yewþkeÀeW ceW Yeeie
uesves nsleg `1,00,000/- ©he³es yewþkeÀ HeÀerme keÀe Yegieleeve efkeÀ³ee ie³ee SJeb
meer. yewþkeÀeW Deewj efìhheefCe³eeW ceW yeQkeÀ Deewj yeenjer JeeleeJejCe kesÀ yeejs ceW Þeer Sve yeeueke=À<Ceve keÀes yees[& keÀer DeeF&ìer jCeveerefle meefceefle keÀer yewþkeÀeW ceW
Dehesef#ele %eeve Deewj peeieªkeÀlee kesÀ Dehesef#ele mlej keÀe he´oMe&ve Yeeie uesves nsleg yewþkeÀ HeÀerme kesÀ ªhe ceW `80,000/ keÀe Yegieleeve efkeÀ³ee ie³ee.
[er. yesnlej efveCe&³e uesves Deewj yeQkeÀ kesÀ ceeceueeW kesÀ he´yebOeve kesÀ efueS efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve, he´yebOe efveosMekeÀ Deewj cegK³e
j®eveelcekeÀ efJe®eejeW, ceeie&oMe&ve Deewj %eeve kesÀ meboYe& ceW ³eesieoeve keÀe³e&keÀejer DeefOekeÀejer Deewj keÀe³e&keÀejer efveosMekeÀeW keÀes kegÀue Jesleve, YeÊes
F&. yeQkeÀ Üeje efueS pee jns efveCe&³e hej he´efleef¬eÀ³ee keÀer mece³e meercee Deewj YeÊeeW kesÀ ªhe ceW efvecveefueefKele jeefMe keÀe Yegieleeve efkeÀ³ee ie³ee nw:
¬eÀ. veece ©he³es ueeKe efJeMues<ekeÀeW kesÀ mece#e he´mlegleerkeÀjCe, efJeÊeer³e he´oMe&ve hej he´sme efJe%eeqhle
ceW Deewj DeeefOekeÀeefjkeÀ mecee®eej efJe%eeqhle³eeb Yeer yeQkeÀ keÀer JesyemeeFì www.
centralbankofindia.co.in hej Deheuees[ keÀer ieF&.
1. Þeer Sce Jeer jeJe, he´yebOe efveosMekeÀ SJeb cegK³e 31.67
keÀe³e&keÀejer DeefOekeÀejer 8. Dee®eej mebefnlee
2. Þeer DeeueeskeÀ ÞeerJeemleJe, keÀe³e&heeuekeÀ efveosMekeÀ 28.92 yeQkeÀ ves efveosMekeÀ ceb[ue SJeb Jeefjÿ he´yebOeve kesÀ efueS SkeÀ Dee®eej mebefnlee
3. Þeer efJeJeskeÀ Jeener, keÀe³e&heeuekeÀ efveosMekeÀ 27.26 keÀes Dehevee³ee nw efpemes efveosMekeÀ ceb[ue Üeje Devegceesefole efkeÀ³ee ie³ee nw.
FmekeÀe heeþ yeQkeÀ keÀer JesyemeeFì www.centralbankofindia.co.in
4. Þeer jepeerJe hegjer, keÀe³e&heeuekeÀ efveosMekeÀ 28.18
hej “efveJesMekeÀ mebyebOe” eEuekeÀ kesÀ Debleie&le GheueyOe nw. meYeer efveosMekeÀeW
jCeefveleer
kegÀue 116.03
Deewj Jeefjÿ he´yebOeve ves meceer#eeOeerve Je<e& kesÀ oewjeve Deheves Dee®eej mebefnlee
4. Devegheeueve DeefOekeÀejer kesÀ Devegheeueve keÀer hegef<ì keÀer nw Deewj Devegheeueve keÀer hegeqä keÀjves Jeeuee SkeÀ
Yeejleer³e he´efleYetefle Deewj efJeefvece³e yees[& (met®eerye×lee oeef³elJe Deewj he´ceeCe he$e DevegyebOe I ceW efo³ee ie³ee nw.
he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015 kesÀ Devegmeej Þeer Deevebo yeQkeÀ ves Deheves efveosMekeÀeW Deewj veeefcele keÀce&®eeefj³eeW kesÀ efueS yeQkeÀ keÀer megj#ee
kegÀceej oeme, Ghe cenehe´yebOekeÀ / kebÀheveer meef®eJe, yeQkeÀ Üeje peejer efkeÀS ceW FvemeeF[j ì^seE[ie kesÀ efve<esOe kesÀ efueS SkeÀ Dee®eej mebefnlee Yeer lew³eej
ieS FeqkeÌJeìer Mes³ejeW Deewj iewj-heefjJele&veer³e $eÝCe he´efleYetefle³eeW, mìe@keÀ keÀer nw, FmekeÀer he´efle yeQkeÀ keÀer JesyemeeFì www.centralbankofindia.
SkeÌme®eWpeeW ceW met®eerye×, kesÀ efueS yeQkeÀ kesÀ Devegheeueve DeefOekeÀejer nQ. co.in hej “efveJesMekeÀ mebyebOe” eEuekeÀ kesÀ lenle Yeer GheueyOe nw.”
5. meef®eJeer³e uesKee hejer#ee 9. Dev³e he´keÀìve
met®evee
yeQkeÀ ves 31.03.2022 keÀes meceehle Je<e& nsleg Jeee|<ekeÀ meef®eJeer³e yeQeEkeÀie J³eJemee³e kesÀ meeceev³e ¬eÀce kesÀ DeueeJee, yeQkeÀ ves Deheves he´ceesìjeW,
uesKeehejer#ee efjheesì& SJeb Jeee|<ekeÀ meef®eJeer³e Devegheeueve efjheesì& nsleg megÞeer efveosMekeÀeW ³ee he´yebOeve, GvekeÀer mene³ekeÀ kebÀheefve³eeW ³ee efjMlesoejeW Deeefo kesÀ
Meeefueveer heeb[s, kebÀheveer meef®eJe keÀes efve³egÊeÀ efkeÀ³ee nw. Jeee|<ekeÀ meef®eJeer³e meeLe keÀesF& Yeer cenlJehetCe& uesve-osve veneR efkeÀ³ee nw, efpememes yeæ[s hewceeves hej
uesKeehejer#ee efjheesì& FmekesÀ meeLe mebueive keÀer ieF& nw. yeQkeÀ kesÀ efnleeW kesÀ meeLe mebYeeefJele ìkeÀjeJe nes mekeÀlee nw. Je<e& kesÀ oewjeve
6. efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve meeJe&peefvekeÀ yeQkeÀ leLee iewj-keÀe³e&keÀejer efveosMekeÀeW keÀe keÀesF& hejmhej Deee|LekeÀ mebyebOe
efveie&ce, jeF&ì FM³et, DeefOeceev³e efveie&ce Deeefo mes ³ee uesveosve veneR Lee.
he´ehle Dee³e yeQkeÀ ceW ³en SkeÀ mLeeefhele he´Lee nw efkeÀ peye efveosMekeÀ ³ee GvekesÀ efjMlesoejeW
FeqkeÌJeìer Mes³ejeW kesÀ DeefOeceev³e DeeJebìve kesÀ efueS efoveebkeÀ 31.03.2021 mes mebyebefOele ceeceueeW hej ®e®ee& keÀer peeleer nw lees yees[& Deewj yees[& keÀer Dev³e
efjheesì&
keÀes Yeejle mejkeÀej mes `4800 keÀjesæ[ keÀer hetbpeeriele efveefOe he´ehle ngF& Ghe-meefceefle³eeW kesÀ efJe®eej-efJeceMe& ceW efveosMekeÀ Yeeie veneR uesles nQ. Je<e& kesÀ
Leer. jeefMe keÀes Mes³ej DeeJesove jeefMe Keeles ceW Deeyebìve nsleg ueeqcyele oewjeve, keÀesF& Yeer cenlJehetCe& heeìea uesveosve veneR ngDee nw efpememes yeæ[s hewceeves
jKee ie³ee Lee SJeb Yeejleer³e efj]peJe& yeQkeÀ kesÀ Devegceesove mes efoveebkeÀ hej yeQkeÀ kesÀ efnleeW kesÀ meeLe mebYeeefJele ìkeÀjeJe nes mekeÀlee nw.
31.03.2021 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS meerF&ìer 1 hetbpeer kesÀ yeQkeÀ ves Yeejleer³e efj]peJe& yeQkeÀ, mesyeer, mìe@keÀ SkeÌme®eWpe ³ee hetbpeer yeepeej mes
efnmmes kesÀ ªhe ceW ceevee ie³ee Lee. efoveebkeÀ 29.05.2021 keÀes `10 kesÀ mebyebefOele efkeÀmeer Dev³e JewOeeefvekeÀ he´eefOekeÀjCe Üeje efveOee&efjle ueeiet efve³eceeW
280,53,76,972 heefjCeeceer FeqkeÌJeìer Mes³ej `7.11 he´efle FeqkeÌJeìer Deewj efJeefve³eceeW keÀe Devegheeueve efkeÀ³ee nw. efheíues 3 Je<eeX kesÀ oewjeve hetbpeer
Mes³ej he´erefce³ece meefnle `17.11 he´efle FeqkeÌJeìer Mes³ej kesÀ efveie&ce cetu³e yeepeej mes mebyebefOele efkeÀmeer Yeer ceeceues ceW efkeÀmeer Yeer mìe@keÀ SkeÌme®eWpe,
hej Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀes DeeJebefìle efkeÀS ieS Les. mesyeer ³ee efkeÀmeer JewOeeefvekeÀ he´eefOekeÀjCe Üeje yeQkeÀ hej keÀesF& ob[ ³ee meKleer
efJeÊeer³e
³eÐeefhe efoveebkeÀ 31.03.2022 keÀes meceehle efJeÊeer³e Je<e& ceW yeQkeÀ keÀer he´oÊe veneR ueieeF& ieF& Leer.
FeqkeÌJeìer Mes³ej hetbpeer ceW Je=ef× ngF& Leer, meerF&ìer 1 hetbpeer ceW Je=ef× efoveebkeÀ
yeQkeÀ ves efJeÊe Je<e& 2021-22 kesÀ oewjeve JemlegDeeW ceW keÀejesyeej veneR efkeÀ³ee
31.03.2021 keÀes meceehle efheíues efJeÊeer³e Je<e& ceW ngF& Leer FmeefueS
nw Deewj FmeefueS “keÀceesef[ìer cetu³e peesefKece Deewj keÀceesef[ìer nseEpeie
efoveebkeÀ 31.03.2022 keÀes meceehle efJeÊeer³e Je<e& ceW efkeÀmeer Yeer veS hetbpeer
ieefleefJeefOe³eeW” hej peevekeÀejer Metv³e nw.
he´Jeen hej efJe®eej veneR efkeÀ³ee ie³ee Lee.
yeQkeÀ peveefnle he´keÀìerkeÀjCe Deewj cegKeefyejeW keÀer megj#ee (heerDeeF&[erheerDeeF&)
7. meb®eej ceeO³ece
meceeOeeve kesÀ lenle efJeefmeue yueesDej keÀer efMekeÀe³eleeW nsleg keWÀêer³e meleke&Àlee
efleceener efJeÊeer³e heefjCeece (DeuesKeehejeref#ele uesefkeÀve meebefJeefOekeÀ uesKee Dee³eesie kesÀ efoMeeefveo&sMeeW keÀe heeueve keÀjlee nw. yeQkeÀ keÀe “meWì F& efJeefmeue
hejer#ekeÀeW Üeje meerefcele meceer#ee kesÀ DeOeerve) Deewj uesKee hejeref#ele Jeee|<ekeÀ yueesDej” veece keÀe SkeÀ Jesye DeeOeeefjle heesì&ue nw efpemeceW keÀce&®eejer SJeb
heefjCeece meeceev³e ªhe mes Debie´speer, eEnoer Deewj cejeþer mecee®eej he$eeW, efveosMekeÀ, Deheveer hen®eeve yeleeS efyevee Devee®eej keÀer efjheese\ìie keÀj
pewmes, efyepevesme mìQ[[&, HeÀeFveWefMe³eue SkeÌmehe´sme, le©Ce Yeejle, pevemeÊee, mekeÀles nQ, pees efkeÀ cenehe´yebOekeÀ-keWÀêer³e uesKee hejer#ee SJeb efvejer#eCe keÀes
ueeskeÀmeÊee Deeefo ceW he´keÀeefMele efkeÀS ieS Les. heefjCeece kesÀ meeLe-meeLe
Jeeef<e&keÀ efjheesì& 2021-22 125
keÀe@jheesjsì ieJeveXme
peejer
helee nesieer. efveosMekeÀ Je keÀce&®eejer uesKee meefceefle kesÀ DeO³e#e mes Yeer meerOes efJeJejCe - hetbpeer he³ee&hlelee Devegheele keÀes yeæ{eves Deewj cepeyetle keÀjves Deewj
mecheke&À keÀj mekeÀles nQ. Fmemes keÀoe®eej hej DebkegÀMe ueieeves, OeesKeeOeæ[er yeQkeÀ kesÀ oerIe&keÀeefuekeÀ mebmeeOeveeW keÀes yeæ{eves kesÀ he´eLeefcekeÀ GÎsM³e kesÀ meeLe
keÀes jeskeÀves Deewj keÀce&®eeefj³eeW kesÀ ceveesyeue keÀes yeæ{eves ceW ceoo efceue Oeve pegìe³ee peelee nw. pegìeF& ieF& OevejeefMe keÀe Ghe³eesie GhejesÊeÀ GÎsM³e
mekeÀleer nw. efkeÀmeer Yeer keÀee|cekeÀ keÀes uesKee meefceefle mes mebheke&À keÀjves kesÀ kesÀ efueS efkeÀ³ee pee jne nw.
efue³es cevee veneR efkeÀ³ee ie³ee nw. “ mene³ekeÀ” kebÀheefve³eeW kesÀ efveOee&jCe kesÀ efueS veerefle yeQkeÀ keÀer efvecve JesyemeeFì
yeQkeÀ ves mesyeer (met®eerkeÀjCe, yeeO³eleeSb SJeb ÒekeÀìerkeÀjCe DeeJeM³ekeÀleeSb) hej GheueyOe nw. https://www.centralbankofindia.co.in/sites/
efJeefve³eceve, 2015 keÀer efveOee&efjle Dehes#eeDeeW keÀes efueeÅmìie Sie´erceWì kesÀ default/files/documents/PolicyonSubsidiary.pdf.
meeLe Fme he´keÀej Devegheeueve efkeÀ³ee nw efkeÀ Fve efJeefve³eceeW Deewj mecePeewleeW mebyebefOele heeìea uesveosve mes efveheìves keÀer veerefle yeQkeÀ keÀer efvecve JesyemeeFì
keÀer DeeJeM³ekeÀleeSb, yeQeEkeÀie jsieguesMeve SkeÌì 1949, yeQeEkeÀie kebÀheefve³eeb hej GheueyOe nw. https://www.centralbankofindia.co.in/sites/
(DeefOeie´nCe Deewj Ghe¬eÀce keÀe nmleeblejCe) DeefOeefve³ece, 1970 Deewj default/files/RPT.pdf.
jeä^er³eke=Àle yeQkeÀ (he´yebOeve Deewj efJeefJeOe he´eJeOeeve) ³eespevee, 1970 Deewj
efJeÊeer³e Je<e& 2021-22 kesÀ oewjeve, met®eerye× FkeÀeF& Deewj GmekeÀer
Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efoMee-efveoxMe, he´eJeOeeve, efJeefve³ece ³ee
mene³ekeÀ kebÀheefve³eeW Üeje JewOeeefvekeÀ uesKee hejer#ekeÀ Deewj vesìJeke&À HeÀce&/
efveoxMe kesÀ he´eJeOeeve keÀe GuuebIeve veneR keÀjlee nw.
vesìJeke&À FkeÀeF&, efpemekeÀe meebefJeefOekeÀ uesKee hejer#ekeÀ SkeÀ efnmmee nw, ceW
yekeÀe³ee JeweféekeÀ ef[hee@efpeìjer jmeeroW ³ee DecesefjkeÀer ef[hee@efpeìjer jmeeroW ³ee meYeer mebmLeeDeeW keÀes mecesefkeÀle DeeOeej hej Yegieleeve keÀer ieF& meYeer mesJeeDeeW
Jeejbì ³ee keÀesF& heefjJele&veer³e efueKele, ªheeblejCe efleefLe Deewj FeqkeÌJeìer hej kesÀ efueS kegÀue MegukeÀ `30.82 keÀjesæ[ (peerSmeìer keÀes íesæ[keÀj) Lee.
mebYeeefJele he´YeeJe - Metv³e.
https://www.centralbankofindia.co.in/sites/default/files/
peneb yees[& ves efJeÊeer³e Je<e& 2021-22 ceW DeefveJee³e& ªhe mes DeeJeM³ekeÀ Familiasation.pdf kesÀ Debleie&le “efveosMekeÀeW keÀes he´oeve efkeÀS ieS
yees[& keÀer efkeÀmeer Yeer meefceefle keÀer efkeÀmeer Yeer efmeHeÀeefjMe keÀes mJeerkeÀej veneR heefj®e³e keÀe³e&¬eÀceeW” kesÀ efJeJejCe yeQkeÀ keÀer JesyemeeFì hej ìwye kesÀ lenle
efkeÀ³ee Lee – Metv³e Deheuees[ efkeÀ³ee ie³ee nw.
nce mesyeer efueeÅmìie efJeefve³eceeW keÀer Devegmet®eer V kesÀ Ghe-hewje (2) mes (10) he´seqkeÌìme keÀj jns SkeÀ kebÀheveer meef®eJe mes he´ceeCe he$e he´ehle efkeÀ³ee ie³ee nw
keÀer keÀe@heexjsì ieJeveXme efjheesì& keÀer DeeJeM³ekeÀlee kesÀ Devegheeueve keÀer hegeqä efkeÀ kebÀheveer kesÀ yees[& ceW efkeÀmeer Yeer efveosMekeÀ keÀes yees[&/keÀe@heexjsì ceeceueeW
keÀjles nQ. kesÀ ceb$eeue³e ³ee efkeÀmeer Ssmes JewOeeefvekeÀ he´eefOekeÀjCe Üeje kebÀheveer kesÀ
efkeÀmeer Yeer efveosMekeÀ keÀe yeQkeÀ kesÀ efkeÀmeer Dev³e ceewpetoe efveosMekeÀ kesÀ meeLe efveosMekeÀ kesÀ ªhe ceW efve³egÊeÀ ³ee peejer jKeves mes Jebef®ele ³ee De³eesi³e Ieesef<ele
keÀesF& mebyebOe veneR nw. veneR efkeÀ³ee ie³ee nw.
efveosMekeÀ ceb[ue keÀer je³e ceW, mJeleb$e efveosMekeÀ mesyeer (met®eerkeÀjCe oeef³elJe yeQkeÀ kesÀ meYeer $eÝCe efueKeleeW ³ee efkeÀmeer meeJeefOe pecee keÀe³e&¬eÀce ³ee efkeÀmeer
Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSB) efJeefve³ece, 2015 ceW efvee|oä MeleeX keÀes Yeer ³eespevee ³ee yeQkeÀ kesÀ he´mleeJe kesÀ efueS efpemeceW HebÀ[ pegìevee Meeefceue nw,
hetje keÀjles nQ Deewj he´yebOeve mes mJeleb$e nesles nQ. ®eens Yeejle ceW nes ³ee efJeosMe ceW. he´emebefiekeÀ efJeÊeer³e Je<e& ³eeveer 2021-22
efJeefve³ece 32 (7S) kesÀ lenle efvee|oä DeefOeceeveer DeeJebìve ³ee ³eesi³e kesÀ oewjeve efkeÀmeer Yeer mebMeesOeve kesÀ meeLe yeQkeÀ Üeje he´ehle meYeer ¬esÀef[ì
mebmLeeveeW keÀer efve³egefÊeÀ kesÀ ceeO³ece mes pegìeF& ieF& OevejeefMe kesÀ Ghe³eesie keÀe jseEìie keÀer met®eer :-
keÀe³e&mLeue hej ceefnueeDeeW kesÀ ³eewve Glheeræ[ve (jeskeÀLeece, efve<esOe Deewj efveJeejCe) DeefOeefve³ece, 2013 kesÀ mebyebOe ceW he´keÀìerkeÀjCe:
Je<e& 2021-22 kesÀ efueS eqmLeefle
Je<e& kesÀ ÒeejbYe ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 2
Je<e& kesÀ oewjeve he´ehle efMekeÀe³eleeW keÀer mebK³ee 14
ceeceueeW keÀer kegÀue mebK³ee 16
Je<e& kesÀ oewjeve efveheìeF& ieF& efMekeÀe³eleeW keÀer mebK³ee 10
Je<e& kesÀ Deble ceW uebefyele ceeceueeW keÀer mebK³ee 6
jCeefveleer
10. efJeJeskeÀmeccele DeeJeM³ekeÀleeSb (mesyeer met®eerkeÀjCe efJeefve³eceve keÀer Devegmet®eer II keÀe Yeeie F&)
¬eÀ. iewj-DeefveJee&³e keÀe³ee&vJe³eve keÀer efmLeefle
meb.
1. iewj keÀe³e&keÀejer DeO³e#e keÀes mebmLee kesÀ J³e³e hej DeO³e#e peer neb, keÀe³ee&vJe³eve efkeÀ³ee ie³ee.
kesÀ keÀe³ee&ue³e keÀes ®eueeves kesÀ efueS SJeb Deheves keÀle&J³eeW
kesÀ efveJe&nve ceW Ke®eeX keÀer he´eflehete|le keÀer Yeer Devegceefle oer.
2. iele íë ceen ceW cenlJehetCe& IeìveeDeeW kesÀ meej mes meeLe yeQkeÀ ves 30.09.2021 keÀes meceehle íceener Deewj 31.03.2022 keÀes meceehle efJeÊeer³e Je<e&
efJeÊeer³e keÀe³e&efve<heeove ueer DeOo&Jeeef<e&keÀ Iees<eCee kesÀ efJeÊeer³e heefjCeece mìe@keÀ SkeÌme®eWpeeW keÀes Yespes nQ Deewj mecee®eej he$eeW ceW he´keÀeefMele efkeÀS
Mes³ejOeejkeÀeW keÀes Òesef<ele keÀjvee nw. nQ. FmekesÀ DeueeJee, efJeÊeer³e heefjCeece yeQkeÀ keÀer JesyemeeFì www.centralbankofindia.
met®evee
co.in hej Yeer Deheuees[ efkeÀS ieS Les meeLe ner 30.09.2021 keÀes meceehle íceener Deewj
31.03.2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efJeÊeer³e heefjCeece Yeer Mes³ejOeejkeÀeW keÀes F&cesue
efkeÀS ieS Les.
3. kebÀheveer iewj-DeefveJee&³e& efJeÊeer³e efJeJejCeeW keÀer J³eJemLee yeQkeÀ kesÀ heeme iewj-meehes#e efJeÊeer³e efJeJejCe nQ
Dehevee mekeÀleer nw
4. DeebleefjkeÀ uesKee hejer#ekeÀ keÀer efjheese\ìie DeebleefjkeÀ uesKee hejer#ekeÀ yees[& keÀer uesKee hejer#ee meefceefle kesÀ he´efle GÊejoe³eer nw.
11. meeceev³e Mes³ejOeejkeÀ met®evee
yeQkeÀ keÀer 15 JeeR Jeee|<ekeÀ meeceev³e yewþkeÀ:
efjheesì&
efove SJeb efleefLe : yegOeJeej, 10 Deiemle, 2022 keÀes hetJee&Ôve 11:00 yepes yeQkeÀ kesÀ he´Oeeve keÀe³ee&ue³e, ®eojcegKeer, vejerceve hee@Fbì, cegbyeF&- 400 021 (yewþkeÀ
keÀe mebYeeefJele mLeeve) ceW Jeeref[³ees keÀe@vHe´WÀme (Jeermeer) ³ee Dev³e Dee@ef[³ees efJepegDeue kesÀ ceeO³ece mes
1. Jeee|<ekeÀ meeOeejCe yewþkeÀ efJeÊeer³e Je<e& 2021-22 mes mecyebefOele nw
2. yener yeboer keÀer efleefLe: 07 Deiemle, 2022 mes 10 Deiemle, 2022 (oesveeW efove meeqcceefuele)
3. efJeÊeer³e Je<e& 2021-22 kesÀ efueS efkeÀmeer ueeYeebMe keÀer DevegMebmee veneR keÀer ieF& Leer.
12. efheíues leerve Je<eeX kesÀ oewjeve Dee³eesefpele Deece meYee keÀer yewþkeÀeW keÀe efJeJejCe veer®es efo³ee ie³ee nw:
¬eÀ. yewþkeÀ keÀer he´ke=Àefle efoveebkeÀ SJeb mLeeve efve<heeefole J³eJemee³e efkeÀ³ee ie³ee efJeÊeer³e
mece³e
1. ®eewonJeeR Jeee|<ekeÀ 10 Deiemle, Jeeref[³ees keÀe@vHe´WÀme (Jeermeer) ³ee 1. 31 cee®e& 2021 keÀer eqmLeefle ceW yeQkeÀ keÀer uesKeehejeref#ele
meeceev³e yewþkeÀ 2021, he´ele: Dev³e Dee@ef[³ees efJepegDeue ceervme SkeÀue SJeb mecesefkeÀle legueve he$e, 31 cee®e& 2021 keÀer
(DeesSJeerSce) kesÀ ceeO³ece mes eqmLeefle ceW SkeÀue SJeb mecesefkeÀle ueeYe neefve Keelee yewueWme
11: 00 ®ebojcegKeer, vejerceve hee@Fbì, Meerì Je KeeleeW hej uesKee hejer#ekeÀeW keÀer efjheesì& SJeb KeeleeW
cegbyeF&- 400 021 (yewþkeÀ keÀe Üeje keÀJej keÀer ieF& DeJeefOe nsleg yeQkeÀ keÀer keÀe³ee&JeefOe
ceevee mLeeve) SJeb ieefleefJeefOe³eeW hej efveosMekeÀ ceb[ue keÀer efjheesì& keÀes
Devegceesefole SJeb Debieerke=Àle efkeÀ³ee ie³ee.
2. 31.03.2021 keÀes Mes³ej he´erefce³ece Keeles mes mebef®ele
neefve³eeW keÀe efJeefve³eesie - efJeMes<e mebkeÀuhe
¬eÀ. yewþkeÀ keÀer he´ke=Àefle efoveebkeÀ SJeb mLeeve efve<heeefole J³eJemee³e efkeÀ³ee ie³ee
mece³e
2. DemeeOeejCe meeceev³e 18 ceF&, 2021, Jeeref[³ees keÀe@vHe´WÀme (Jeermeer) ³ee 10 ©he³es kesÀ DebefkeÀle cetu³e kesÀ 280,53,76,972 FeqkeÌJeìer
yewþkeÀ he´ele: 11: 00 Dev³e Dee@ef[³ees efJepegDeue ceervme Mes³ejeW keÀe ` 17.11 cetu³e hej efveie&ce.
(DeesSJeerSce) kesÀ ceeO³ece mes
®ebojcegKeer, vejerceve hee@Fbì, ` 4800 keÀjesæ[ Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀes
cegbyeF&- 400 021 (yewþkeÀ keÀe DeefOeceeveer DeeOeej hej peejer keÀjvee - efJeMes<e mebkeÀuhe
mebYeeefJele mLeeve)
3. lesjnJeeR Jeee|<ekeÀ meeceev³e 7 Deiemle, Jeeref[³ees keÀe@vHe´WÀme (Jeermeer) ³ee 1. 31 cee®e& 2020 keÀer eqmLeefle ceW yeQkeÀ keÀer uesKeehejeref#ele
yewþkeÀ 2020, he´ele: Dev³e Dee@ef[³ees efJepegDeue ceervme SkeÀue SJeb mecesefkeÀle legueve he$e, 31 cee®e& 2020 keÀer
11: 00 (DeesSJeerSce) kesÀ ceeO³ece mes eqmLeefle ceW SkeÀue SJeb mecesefkeÀle ueeYe neefve Keelee legueve
®ebojcegKeer, vejerceve hee@Fbì, he$e Je KeeleeW hej uesKee hejer#ekeÀeW keÀer efjheesì& SJeb KeeleeW
cegbyeF&- 400 021 (yewþkeÀ keÀe Üeje keÀJej keÀer ieF& DeJeefOe nsleg yeQkeÀ keÀer keÀe³ee&JeefOe
mebYeeefJele mLeeve) SJeb ieefleefJeefOe³eeW hej efveosMekeÀ ceb[ue keÀer efjheesì& keÀes
Devegceesefole SJeb Debieerke=Àle efkeÀ³ee ie³ee
2. SHeÀheerDees / jeFìdme FM³et / ke̳etDeeF&heer Deeefo kesÀ ceeO³ece
mes hetbpeer mebie´nCe keÀer cebpetjer - efJeMes<e mebkeÀuhe
4. DemeeOeejCe meeceev³e 26 veJebyej, 9 JeeR cebefpeue, ®ebojcegKeer, 10 ©he³es kesÀ DebefkeÀle cetu³e kesÀ 1583845063 FeqkeÌJeìer Mes³ejeW
yewþkeÀ 2019, he´ele: vejerceve hee@Fbì, cegbyeF& - 400 keÀe ` 21.17 cetu³e hej efveie&ce. ` 3353 keÀjesæ[ Yeejle kesÀ
11: 00 021 jeä^heefle (Yeejle mejkeÀej) keÀes DeefOeceeveer DeeOeej hej peejer
keÀjvee - efJeMes<e mebkeÀuhe
5. yeejnJeeR Jeee|<ekeÀ meeceev³e 28 petve, 2019 9 JeeR cebefpeue, ®ebojcegKeer, 1. 31 cee®e& 2019 keÀer eqmLeefle ceW yeQkeÀ keÀer uesKeehejeref#ele SkeÀue
yewþkeÀ Dehe.12:00 yepes vejerceve hee@Fbì, SJeb mecesefkeÀle legueve he$e, 31 cee®e& 2019 keÀer eqmLeefle ceW
cegbyeF& - 400 021 SkeÀue SJeb mecesefkeÀle ueeYe neefve Keelee legueve he$e Je KeeleeW
hej uesKee hejer#ekeÀeW keÀer efjheesì& SJeb KeeleeW Üeje keÀJej keÀer
ieF& DeJeefOe nsleg yeQkeÀ keÀer keÀe³ee&JeefOe SJeb ieefleefJeefOe³eeW hej
efveosMekeÀ ceb[ue keÀer efjheesì& keÀes Devegceesefole SJeb Debieerke=Àle
efkeÀ³ee ie³ee
2. SHeÀheerDees /jeFìdme FM³et/ ke̳etDeeF&heer Deeefo kesÀ ceeO³ece mes
hetbpeer mebie´nCe keÀer cebpetjer - efJeMes<e mebkeÀuhe
efheíues Je<e& heesmìue yewuesì kesÀ ceeO³ece mes keÀesF& efJeMes<e he´mleeJe heeefjle veneR efkeÀ³ee ie³ee Lee Deewj heesmìue yewuesì kesÀ ceeO³ece mes keÀesF& efJeMes<e he´mleeJe Dee³eesefpele
keÀjves keÀe he´mleeJe veneR nw.
13. mìe@keÀ SkeÌme®eWpeeW ces met®eerkeÀjCe:
yeQkeÀ kesÀ Mes³ej yee@cyes mìe@keÀ SkeÌme®eWpe efueefceìs[ (yeerSmeF&) Deewj vesMeveue mìe@keÀ SkeÌme®eWpe Dee@HeÀ Fbef[³ee efueefceìs[ ceW met®eerye× nQ. eqm¬eÀhe keÀes[ efvecveJele nQ:
yeerSmeF& efueefceìs[ (yeerSmeF&) 532885
efHeÀjespe peerpeerYee@³e ìeJeme&, 25JeeR cebefpeue,
oueeue mì^erì, HeÀesì&, cegbyeF& - 400 001
vesMeveue mìe@keÀ SkeÌme®eWpe Dee@HeÀ Fbef[³ee efueefceìs[ (SveSmeF&) CENTRALBK
“SkeÌme®eWpe hueepee ”, yeebêe kegÀuee& keÀe@chueskeÌme,
yeebêe, (hetJe&), cegbyeF& - 400 051
DeeF&SmeDeeF&Sve vebyej INE483A01010
oesveeW mìe@keÀ SkeÌme®eWpeeW keÀes 2021-22 kesÀ efueS Jeee|<ekeÀ met®eerkeÀjCe MegukeÀ keÀe Yegieleeve efkeÀ³ee ie³ee nw.
yeQkeÀ ves mece³e-mece³e hej he´e@efcemejer veesìdme (efì³ej- II kewÀefheìue) keÀer he´ke=Àefle ceW iewj-heefjJele&veer³e yeeb[ peejer efkeÀS nQ. mebyebefOele
yekeÀe³ee efJeJejCe Fme he´keÀej nQ:
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee efì³ej- II yeeb[ - 31.03.2022 keÀes hetbpeer keÀer eqmLeefle
Þe=bKeuee efJeJejCe peejer efoveebkeÀ kegÀue cetu³e DeeF&SmeDeeF&Sve
(` keÀjesæ[ ceW)
yesmeue III Devegheeefuele Þe=bKeuee I 08.11.2013 1000.00 INE483A09260
INE483A09278
jCeefveleer
yesmeue III Devegheeefuele Þe=bKeuee II 07.03.2017 500.00
yesmeue III Devegheeefuele Þe=bKeuee III 29.03.2019 500.00 INE483A09286
kegÀue 3000.00
³es meYeer yeeb[ yeerSmeF& efueefceìs[ ceW met®eerye× nQ. yeQkeÀ ves SkeÌme®eWpe keÀes 2021-22 kesÀ efueS Jeee|<ekeÀ met®eerkeÀjCe MegukeÀ keÀe Yegieleeve efkeÀ³ee nw.
yeepeej cetu³e [sìe:
ceeefmekeÀ G®®e SJeb efvecve oj Deewj SveSmeF& hej keÀejesyeej efkeÀS ieS Mes³ejeW keÀer mebK³ee (SveSmeF& efveHeÌìer kesÀ meeLe yeQkeÀ kesÀ Mes³ej cetu³e keÀer leguevee kesÀ meeLe)
met®evee
efvecveevegmeej nQ:
SveSmeF&
cene DeefOekeÀlece efvecve keÀercele Mes³eme¥ keÀer mebK³ee SveSmeF& efveHeÌìer
cetu³e (`) ( `) Deef O ekeÀlece v³etvelece
Dehe´wue 2021 18.85 15.80 192444025 15044.35 14151.40
ceF& 2021 19.65 16.05 232215360 15606.35 14416.25
petve 2021 29.65 18.55 756594078 15915.65 15450.90
pegueeF& 2021 29.10 23.40 278386982 15962.25 15513.45
Deiemle 2021 24.60 19.00 140595794 17153.50 15834.65
efjheesì&
efmelebyej 2021 25.15 20.30 183490586 17947.65 17055.05
DekeÌìtyej 2021 24.10 21.25 170326286 18604.45 17452.90
veJebyej 2021 23.70 19.80 122448957 18210.15 16782.40
efomebyej 2021 23.90 19.90 103639942 17639.50 16410.20
peveJejer 2022 22.75 20.00 96948134 18350.95 16836.80
HeÀjJejer 2022 22.70 17.55 80074262 17794.60 16203.25
cee®e& 2022 19.55 17.50 57189954 17559.80 15671.45
ceeefmekeÀ G®®e Deewj efvecve oj SJeb yeerSmeF& hej keÀejesyeej efkeÀS ieS Mes³ejeW keÀer mebK³ee (meWmeskeÌme kesÀ meeLe yeQkeÀ kesÀ Mes³ej cetu³e keÀer leguevee kesÀ meeLe) efvecveevegmeej nQ:
yeerSmeF&
cene DeefOekeÀlece efvecve keÀercele Mes³eme¥ keÀer mebK³ee meWmeskeÌme
efJeÊeer³e
14. Mes³ej DeblejCe Deewj Mes³ejOeejkeÀeW/efveJesMekeÀeW keÀer DebOesjer (F&), cegbyeF& - 400 072
efMekeÀe³eleeW keÀe efveJeejCe: otjYee<e: 022 - 28476020 / 6021 / 46049717 ([er)
Mes³ej DeblejCe, Oeve Jeehemeer DeeosMe, ueeYeebMe Yegieleeve Deewj Dev³e meYeer F&cesue DeeF&[er: helpdeskmum@mcsregistrars.com
efveJesMekeÀ mebyebOeer ieefleefJeefOe³eeW keÀes nceejs jefpemì^ej Deewj ì^ebmeHeÀj SpeWì met®eerye× iewj-heefjJele&veer³e $eÝCe he´efleYetefle³eeW kesÀ efueS ef[yeW®ej
kesÀ keÀe³ee&ue³e ceW keÀer peeleer nw. FveceW mes efkeÀmeer Yeer omleeJespe keÀes pecee ì^mìer:
keÀjves Deewj hetíleeí/efMekeÀe³eleeW kesÀ efueS, Mes³ejOeejkeÀeW/efveJesMekeÀeW mes DeeF&[eryeerDeeF& ì^mìerefMehe mee|Jemespe efueefceìs[
DevegjesOe nw efkeÀ Jes efvecveefueefKele heles hej jefpemì^ej mes mebheke&À keÀjW: SefMe³eve efyeeÅu[ie, leue cebefpeue,
FeqkeÌJeìer Mes³ejeW kesÀ efueS jefpemì^ej Deewj ì^ebmeHeÀj SpeWì: 17,Deej. Kesceeveer ceeie&, yeuee[& Smìsì,
eEuekeÀ FveìeFce Fbef[³ee he´e. efueefceìs[ cegbyeF& - 400 001
meer-101, 247 heeke&À, otjYee<e: 022-4080 7000
SueyeerSme ceeie&, efJe¬eÀesueer (heeq½ece), HewÀkeÌme: 022-66311776
cegbyeF& - 400 083 F&-cesue DeeF&[er: itsl@idbitrustee.com
otjYee<e: 022-4918 6270 yeQkeÀ kesÀ meeLe he$ee®eej kesÀ efueS helee:
HewÀkeÌme: 022-4918 6060 Ghe cenehe´yebOekeÀ/kebÀheveer meef®eJe SJeb Devegheeueve DeefOekeÀejer
F&cesue DeeF&[er: rnt.helpdesk@linkintime.co.in mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee,
met®eerye× iewj-heefjJele&veer³e $eÝCe he´efleYetefle³eeW kesÀ efueS 9 JeeR cebefpeue, ®ebojcegKeer,
jefpemì^ej Deewj ì^ebmeHeÀj SpeWì: vejerceve hee@Fbì, cegbyeF& 400 021
ScemeerSme Mes³ej ì^ebmeHeÀj SpeWì efueefceìs[ mebheke&À vebyej 022- 6638 7575/7818
kesÀ-215, otmejer cebefpeue, HewÀkeÌme vebyej: 022- 2283 5198
Debmee Fb[eqmì^³eue Smìsì, F&cesue DeeF&[er: dgmcompsec@centralbank.co.in;
Investor@centralbank.co.in
meekeÀer efJenej jes[, meekeÀer veekeÀe,
15. Mes³ejOeeefjlee keÀe mebefJelejCe
i) 31.03.2022 keÀes Mes³ejOeeefjlee keÀe efJelejCe ([erheer DeeF&[er/keÌueeFbì DeeF&[er Deewj HeÀesefue³ees vebyej kesÀ DeeOeej hej)
Mes³ejOeeefjlee keÀe mebefJelejCe (Mes³ej)
Mes³eme& keÀer Mes³ejOeeefjlee Mes³ejOeejkeÀeW keÀer mebK³ee kegÀue keÀe he´efleMele Mes³eme& kegÀue keÀe he´efleMele
1-500 289526 77.0227 37314453 0.4298
501-1000 36407 9.6854 31293310 0.3605
1001-2000 20114 5.3509 31829864 0.3667
2001-3000 8860 2.357 23489180 0.2706
3001-4000 4242 1.1285 15431305 0.1778
4001-5000 4923 1.3097 23807132 0.2742
5001-10000 8171 2.1737 59252048 0.6826
10001 Deewj Thej 3654 0.9721 8458522140 97.4379
kegÀue 375897 100.0000 8680939432 100.0000
ii) “सार्वजनिक” की श्रेणी में आने वाले व्यक्तियों की शेयरधारिता, जिनकी शेयरधारिता कु ल शेयर्स की सं ख्या के 1% से अधिक है,
“सार्वजनिक” की श्रेणी में आने वाले व्यक्तियों की शेयरधारिता, जिनकी शेयरधारिता कु ल शेयर्स की सं ख्या के 1% से अधिक है, को
दर्शाने वाला विवरण
Mes³ejOeejkeÀ keÀe veece Mes³ejeW keÀer mebK³ee %
Yeejleer³e peerJeve yeercee efveiece 227021558 2.6152
iii)
“सार्वजनिक” की श्रेणी में आने वाले व्यक्तियों की शेयरधारिता, जिनकी शेयरधारिता कु ल शेयर्स की सं ख्या के 5% से अधिक है,
“सार्वजनिक” की श्रेणी में आने वाले व्यक्तियों की शेयरधारिता, जिनकी शेयरधारिता कु ल शेयर्स की सं ख्या के 5% से अधिक है, को
दर्शाने वाला विवरण
Mes³ejOeejkeÀ keÀe veece Mes³ejeW keÀer mebK³ee %
jCeefveleer
peerDeeF&meer Deewj FmekeÀer mene³ekeÀ kebÀheefve³eeb 6531875 0 4 0 6531875 0.0752
efJeosMe Jeeues he´Jeemeer Yeejle 3215377 121600 1094 1 3336977 0.0384
meceeMeesOeve meom³e 2863704 0 147 0 2863704 0.033
c³et®egDeue HebÀ[dme 2629442 0 8 0 2629442 0.0303
DeefveJeemeer (iewj he´l³eeJele&veer³e) 1295504 0 712 0 1295504 0.0149
yee@[er keÀe@jheesjsì - efueefceìs[ uee³eefyeefueìer 519611 0 35 0 519611 0.006
heeì&vejefMehe
v³eeme 114566 0 15 0 114566 0.0013
DeejyeerDeeF& kesÀ meeLe hebpeerke=Àle SveyeerSHeÀmeer 59464 0 3 0 59464 0.0007
jeä^er³eke=Àle yeQkeÀ 32876 0 2 0 32876 0.0004
met®evee
iewj jeä^er³eke=Àle yeQkeÀ 19417 0 2 0 19417 0.0002
mejkeÀejer kebÀheefve³eeb 700 0 1 0 700 0
kegÀue : 8680787857 151575 375804 93 8680939432 100
v) uee@keÀ-Fve Mes³ejeW keÀe efJeJejCe efoKeeves Jeeuee efJeJejCe
¬eÀ. Mes³ejOeejkeÀ keÀe veece uee@keÀ-Fve Mes³ejeW keÀer mebK³ee Mes³ejeW keÀer kegÀue mebK³ee kesÀ he´efleMele kesÀ ªhe ceW
uee@keÀ-Fve Mes³ej (DeLee&le (S) + (yeer) + (meer)
keÀe kegÀue ³eesie
1. Yeejle kesÀ jeä^heefle 5076470357 62.8246
2. pevelee 0 0
efjheesì&
kegÀue 5076470357 62.8246
vi) ef[hee@efpeìjer jmeeroeW ([erDeej) keÀe efJeJejCe efoKeeves Jeeuee efJeJejCe
¬eÀ. yekeÀe³ee [erDeej keÀe he´keÀej yekeÀe³ee [erDeej keÀer mebK³ee yekeÀe³ee [erDeej kesÀ Debleie&le Mes³ejeW keÀer kegÀue mebK³ee kesÀ
(S[erDeej, peer[erDeej, Deeves Jeeues Mes³ejeW keÀer mebK³ee he´efleMele kesÀ ªhe ceW yekeÀe³ee [erDeej
Sme[erDeej, Deeefo) Deblee|veefnle Mes³ej (DeLee&le (S) +
(yeer) + (meer) keÀe kegÀue ³eesie
Metv³e Metv³e Metv³e Metv³e efJeÊeer³e
vii) ef[hee@efpeìjer jmeeroeW ([er Deej) keÀer Oeeefjlee keÀes oMee&ves Jeeuee efJeJejCe peneb Deblee|veefnle Mes³ej Mes³ejeW keÀer kegÀue mebK³ee kesÀ
1% mes DeefOekeÀ nQ.
¬eÀ. [erDeej OeejkeÀ keÀe veece yekeÀe³ee [erDeej keÀe he´keÀej yekeÀe³ee [erDeej kesÀ Debleie&le Mes³ejeW keÀer kegÀue mebK³ee kesÀ
(S[erDeej, peer[erDeej, Deeves Jeeues Mes³ejeW keÀer mebK³ee he´efleMele kesÀ ªhe ceW yekeÀe³ee [erDeej
Sme[erDeej, Deeefo) Deblee|veefnle Mes³ej (DeLee&le (S) +
(yeer) + (meer) keÀe kegÀue ³eesie
Metv³e Metv³e Metv³e Metv³e
viii) Mes³ejeW keÀe ef[cewìefj³eueeFpesMeve
yeQkeÀ kesÀ Mes³ejeW keÀe keÀejesyeej DeefveJee³e& ªhe mes [ercewì ªhe ceW efkeÀ³ee pee jne nw. yeQkeÀ ves Mes³ejeW kesÀ ef[cewìefj³eueeFpesMeve kesÀ efueS oesveeW ef[hee@efpeìjer
DeLee&le vesMeveue efmeke̳eesefjìerpe ef[hee@efpeìjerpe efueefceìs[ (SveSme[erSue) Deewj meWì^ue ef[hee@efpeìjer mee|Jemespe (Fbef[³ee) efueefceìs[ (meer[erSmeSue) kesÀ meeLe
henues ner keÀjej keÀj efue³ee Lee.
31.03.2022 keÀes Mes³ejOeejkeÀeW Üeje Oeeefjle [ercewì Deewj YeeweflekeÀ ªhe ceW Mes³ejeW keÀe efJeJejCe ([erheer DeeF&[er / keÌueeFbì DeeF&[er Deewj HeÀesefue³ees vebyej
kesÀ DeeOeej hej) efvecveevegmeej nQ:
Mes³ejOeejkeÀeW keÀer mebK³ee Mes³ejeW keÀer mebK³ee Oeeefjlee keÀe %
YeeweflekeÀ 93 151575 0.0017
SveSme[erSue 131402 397559999 4.5797
meer[erSmeSue 244402 8283227858 95.4186
kegÀue 375897 8680939432 100.0000
ix) YeeweflekeÀ OeeefjleeDeeW keÀe ef[cewìefj³eueeFpesMeve - SkeÀ efJeMes<e DevegjesOe
nce Mes³ejOeejkeÀeW mes Deheveer YeeweflekeÀ OeeefjleeDeeW keÀes [ercewì keÀjves keÀe DevegjesOe keÀjles nQ. ef[cewìefj³eueeFpesMeve kesÀ efueS, Mes³ejOeejkeÀ Deheves mebyebefOele
ef[hee@efpeìjer he´efleYeeefie³eeW mes mebheke&À keÀj mekeÀles nQ, peneb Jes [ercewì Keeles jKeles nQ. ef[cewìefj³eueeFpesMeve kesÀ ueeYe Fme he´keÀej nQ:
i) PebPeì cegÊeÀ DeblejCe
ii) Mes³ej he´ceeCe ve<ì nesves keÀe keÀesF& Keleje veneR
iii) ueeYeebMe/keÀe@heexjsì ueeYeeW keÀe he´l³e#e Deewj lJeefjle pecee
iv) veeceebkeÀve megefJeOee
v) Demeyee/DeeF&heerDees Deeefo kesÀ ceeO³ece mes meerOes DeeJesove.
जिन शेयरधारकों ने अपने शेयर्स, भौतिक रुप से /डीमेट स्वरुप में रखे हैं और उन्होंने अब तक बैंक के आरटीए/उनके सं बं धित डिपॉजिटरी
पार्टिसिपेंटस के पास, भारत सरकार के “ग्रीन इनिशिएटिव” में सहायता देने हेतु, उनके ई-मेल आईडी पं जीकृ त नहीं करवाए हैं, उनसे
अनुरोध है कि अपने ई-मेल आईडी पं जीकृ त करवा लें.
x) DeoeJeeke=Àle G®eble Keeles ceW Mes³ej:
met®eerkeÀjCe keÀjejeW kesÀ Keb[ 5S kesÀ Devegmeej, 31 cee®e& , 2022 lekeÀ “ oeJee ve efkeÀS ieS G®eble Keeles “ ceW yekeÀe³ee Mes³ej efvecveevegmeej nQ:
¬eÀ. efJeJejCe Mes³ejOeejkeÀeW keÀer kegÀue kegÀue yekeÀe³ee Mes³ej
mebK³ee
(i) Mes³ejOeejkeÀeW keÀer kegÀue mebK³ee Deewj Je<e& kesÀ ÒeejbYe ceW DeoeJeeke=Àle G®eble Keeles ceW 233 32,853
yekeÀe³ee Mes³ej
(ii) Je<e& kesÀ oewjeve DeoeJeeke=Àle G®eble Keeles mes Mes³ejeW kesÀ nmleeblejCe kesÀ efueS Metv³e Metv³e
peejerkeÀlee& mes mebheke&À keÀjves Jeeues Mes³ejOeejkeÀeW keÀer mebK³ee
(iii) Gve Mes³ejOeejkeÀeW keÀer mebK³ee efpevnW Je<e& kesÀ oewjeve DeoeJeeke=Àle G®eble Keeles mes Metv³e Metv³e
Mes³ej nmleebleefjle efkeÀS ieS Les
(iv) Mes³ejOeejkeÀeW keÀer kegÀue mebK³ee Deewj Je<e& kesÀ Deble ceW DeoeJeeke=Àle G®eble Keeles ceW 233 32,853
heæ[s yekeÀe³ee Mes³ej
veesì - Fve Mes³ejeW hej JeeseEìie DeefOekeÀej leye lekeÀ DeJejesefOele jnWies peye lekeÀ Ssmes Mes³ejeW kesÀ Demeueer ceeefuekeÀ Mes³ejeW keÀe oeJee veneR keÀjles.
keÀe@jheesjsì ieJeveXme keÀer DeefveJee³e& MeleeX kesÀ Devegheeueve keÀe he´ceeCe he$e
yeQkeÀ kesÀ meebefJeefOekeÀ uesKee hejer#ekeÀeW Üeje mesyeer (met®eerye×lee oeef³elJe Deewj he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb) efJeefve³ece, 2015, Mes³ej yeepeej kesÀ meeLe
met®eerye×lee keÀjej kesÀ meeLe heefþle, kesÀ Devegmeej keÀe@heexjsì he´Meemeve keÀer DeefveJee³e& MeleeX kesÀ Devegheeueve ceW peejer he´ceeCe he$e mebueive nw
DevegueivekeÀ I
Dee®eej mebefnlee kesÀ Devegheeueve keÀer Iees<eCee
ceQ hegeqä keÀjlee ntb efkeÀ efJeÊeer³e Je<e& 2021-22 kesÀ efueS, yees[& kesÀ meYeer meom³eeW SJeb Jeefj<þ ÒeyebOe le$e ves yeQkeÀ keÀer Dee®eej mebefnlee keÀe efveefM®ele ªhe mesDevegheeueve
efkeÀ³ee nw..
Sd/-
mLeeve : cegbyeF& Sce Jeer jeJe]]
efoveebkeÀ : 27 petve , 2022 he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejerr
132 Jeeef<e&keÀ efjheesì& 2021-22
mesyeer (met®eerkeÀjCe yeeO³eleeSb SJeb he´keÀìerkeÀjCe DeeJeM³ekeÀleeDeeW) efJeefve³eceve,
2015 kesÀ efJeefve³ece 17(8) kesÀ Debleie&le he´ceeCe Òe$e
he´efle, efveosMekeÀ ceb[ue SJeb uesKeehejer#ee meefceefle keÀes he´ef¬eÀ³ee DeLeJee heefj®eeueve keÀer DeebleefjkeÀ
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee efve³eb$eCe keÀer Keeefce³eeb, ³eefo keÀesF& nQ, efpememes nce heefjef®ele nQ, keÀe
he´keÀìve efkeÀ³ee leLee Fve keÀefce³eeW keÀes otj keÀjves kesÀ efueS Gve Ghee³eeW keÀer
jCeefveleer
³en he´ceeefCele efkeÀ³ee peelee nw efkeÀ: peevekeÀejer oer, efpevnW nceves efkeÀ³ee nw DeLeJee efkeÀ³ee peevee he´mleeefJele nw.
S. nceves mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀer efleceener leLee efoveebkeÀ 31 cee®e& , [er. nceves uesKeehejer#ekeÀeW SJeb uesKeehejer#ee meefceefle keÀe O³eeve efvecve hej
2022 keÀes meceehle Je<e& kesÀ efJeÊeer³e efJeJejCeeW keÀer peeb®e keÀj ueer nw leLee Deeke=Àä efkeÀ³ee nw:
nceejer DeefOekeÀlece peevekeÀejer SJeb efJeéeeme kesÀ Devegmeej: I. efJeÊeer³e efjheese\ìie kesÀ DeebleefjkeÀ efve³eb$eCe ceW efleceener leLee efoveebkeÀ
I. Fve efJeJejefCe³eeW ceW leL³ele: keÀesF& ieuele efJeJejCe DeLeJee keÀesF& Dev³e 31 cee®e&, 2022 keÀes meceehle Je<e& kesÀ oewjeve efkeÀS ieS cenÊJehetCe&
cenÊJehetCe& leL³e veneR ítìe nw DeLeJee Ssmee keÀesF& efJeJejCe veneR nw, heefjJele&ve.
peesefkeÀ Ye´ecekeÀ nw. II. uesKeebkeÀve veerefle³eeW ceW efleceener leLee efoveebkeÀ 31 cee®e&, 2022 keÀes
II. ³es efJeJejCe meceie´ ªhe ceW yeQkeÀ keÀer keÀe³e&-he×efle keÀe mel³e SJeb mener meceehle Je<e& kesÀ oewjeve keÀesF& cenÊJehetCe& heefjJele&ve veneR efkeÀS ieS nQ
met®evee
ef®e$eCe keÀjles nQ Deewj efJeÐeceeve uesKee ceevekeÀeW, ueeiet keÀevetveeW SJeb leLee FvekeÀe he´keÀìve efJeÊeer³e efJeJejefCe³eeW ceW Yeer efkeÀ³ee ie³ee nw; SJeb
efJeefve³eceeW kesÀ Devegmeej nQ. III. OeesKeeOeefæ[³eeW keÀer Denced IeìveeSb, efpevekeÀer nceW peevekeÀejer he´ehle ngF&
yeer. nceejer DeefOekeÀlece peevekeÀejer SJeb efJeéeeme kesÀ Devegmeej yeQkeÀ ves efleceener nw leLee GveceW he´yebOeve DeLeJee efkeÀmeer keÀce&®eejer, efpemekeÀer efJeÊeer³e
leLee efoveebkeÀ 31 cee®e&, 2022 keÀes meceehle Je<e& Je<e& kesÀ oewjeve Ssmee efjheese\ìie hej yeQkeÀ keÀer DeebleefjkeÀ efve³eb$eCe he´Ceeueer ceW cenÊJehetCe&
keÀesF& mebJ³eJenej veneR efkeÀ³ee nw, pees efkeÀ keÀheìhetCe&, DeJewOeeefvekeÀ DeLeJee YetefcekeÀe nw, keÀer mebefuehlelee, ³eefo keÀesF& nes.
yeQkeÀ keÀer Dee®eej mebefnlee keÀe GuuebIeve keÀjlee nes.
meer. efJeÊeer³e efjheese\ìie kesÀ efueS DeebleefjkeÀ efve³eb$eCe, mLeeefhele SJeb Fmes (cegkegÀue Sve. obef[ies) (Sce Jeer jeJe)
J³eJeeqmLele keÀjves keÀer efpeccesoejer nce mJeerkeÀejles nQ leLee ³en efkeÀ efJeÊeer³e cenehe´yebOekeÀ - he´yebOe efveosMekeÀ
efjheesì&
efJeJejCeeW keÀer efjheese\ìie kesÀ mecyebOe ceW nceves yeQkeÀ keÀer DeebleefjkeÀ efve³eb$eCe SHeÀSb[S SJeb meerSHeÀDees SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
he´Ceeueer keÀer he´YeeJ³elee keÀe cetu³eebkeÀve efkeÀ³ee nw leLee nceves uesKeehejer#ekeÀeW mLeeve : cegbyeF&
efoveebkeÀ : 09 ceF&, 2022
efJeÊeer³e
jCeefveleer
ueeiet veneR
meer. ie´enkeÀeW kesÀ he´keÀej kesÀ yeejs ceW mebef#ehle peevekeÀejer-
nceeje yeQkeÀ Gve ie´enkeÀeW kesÀ meeLe mebJ³eJenej keÀj jne nw pees peceekeÀlee&, GOeejkeÀlee&, mesJee he´oelee, mejkeÀejer mesJee he´oelee, Deeefo pewmeer efkeÀmeer
Yeer J³eJemLee ceW yeQkeÀ mes pegæ[s nQ.
IV. keÀce&®eejer
18. efJeÊeer³e Je<e& 2021-22 kesÀ meceeheve hej efJeJejCe -
S. keÀce&®eejer (efoJ³eebie peve meefnle):-
met®evee
¬eÀ. efJeJejCe kegÀue (S) heg©<e ceefnuee
mebK³ee (yeer) % (yeer/S) mebK³ee. (meer) % (meer/S)
keÀce&®eejer
1. mLee³eer ([er) 30289 22915 75.65 7374 24.35
2. mLee³eer kesÀ DeueeJee Dev³e (F&) 00 00 00 00 00
3. kegÀue keÀce&®eejer ([er + F&) 30289 22915 75.65 7374 24.35
efjheesì&
¬eÀ. efJeJejCe kegÀue(S) heg©<e ceefnuee
mebK³ee (yeer) % (yeer/S) mebK³ee. (meer) % (meer/S)
efoJ³eebie keÀce&®eejer
1. mLee³eer ([er) 812 656 80.78 156 19.22
2. mLee³eer kesÀ DeueeJee Dev³e (F&) 00 00 00 00 00
3. kegÀue efoJ³eebie peve keÀce&®eejer 812 656 80.78 156 19.22
([er + F&) efJeÊeer³e
19. ceefnueeDeeW keÀer Yeeiesoejer / meceeJesMe / he´efleefveefOelJe –
kegÀue (S) ceefnueeDeeW keÀer mebK³ee Deewj he´efleMele
mebK³ee (yeer) % (yeer/S)
efveosMekeÀ ceC[ue 8 efvejbkeÀ efvejbkeÀ
he´cegKe he´yebOeve keÀee|cekeÀ 11 1 9.09%
24. mebmLee kesÀ Deee|LekeÀ GÊejoe³eer J³eJemee³e meb®eeueve kesÀ efJe<e³eeW keÀe DeJeueeskeÀve:
¬eÀ. ef®eeqÔvele Deee|LekeÀ oMee&Sb peesefKece ³ee peesefKece/DeJemej keÀer hen®eeve peesefKece nes lees, peesefKece ³ee DeJemej
me. efJe<e³e DeJemej (pees/De) keÀjves keÀe Deewef®el³e DevegketÀue yeveeves ³ee kesÀ efJeÊeer³e efveefnleeLe&
peesefKece keÀce keÀjves (mekeÀjelcekeÀ ³ee
kesÀ efueS ¢eqäkeÀesCe vekeÀjelcekeÀ efveefnleeLe&
oMee&Sb)
1. efJeÊeer³e mesJeeSb osves kesÀ DeJemej efHeÀveìskeÀ Gve GheYeesÊeÀeDeeW keÀer ³eÐeefhe ieefleefJeefOe ceW ³eneb lekeÀ efkeÀ efyevee
efueS efHeÀveìskeÀ kebÀheefve³eeW Deieueer heeræ{er keÀes me#ece Deewj meMeÊeÀ efveefnle peesefKece nQ, efye´keÀ SJeb ceesìj
kesÀ meeLe ieþpeesæ[ yevee jne nw pees G®®e lekeÀveerkeÀ-he´sceer neueebefkeÀ Gef®ele peesefKece mebj®evee kesÀ Yeer hetjs
jCeefveleer
nQ Deewj efpevekesÀ heeme DeefOekeÀ efJeÊeer³e Meceve kesÀ meeLe peesefKece F&keÀes efmemìce ceW efJeÊeer³e
mee#ejlee ns, uesefkeÀve GvekesÀ heeme keÀes keÀeHeÀer no lekeÀ mesJeeSb DeefOekeÀ menpelee
mece³e keÀer keÀceer nw. ³es ie´enkeÀ ®eueles- keÀce efkeÀ³ee pee mekeÀlee mes he´oeve keÀjves SJeb
efHeÀjles mesJeeDeeW keÀe ueeYe Gþe mekeÀles nw. Deheveer Deeeqmle³eeb /
nQ. Suieesefjoce hej DeeOeeefjle ¬esÀef[ì os³elee heesì&HeÀesefue³eeW kesÀ
efveCe&³eeW kesÀ efueS Deee|ìefHeÀefMe³eue efJemleej ceW efkeÀmeer Yeer
FbìsefuepeWme kesÀ Ghe³eesie, yeQkeÀ kesÀ efue³es mene³ekeÀ
F&-[e@ke̳etceWìsMeve kesÀ efueS SheerDeeF&, nesiee.
Deewj efmemìce Fbìerie´sMeve pewmes
me#ecekeÀlee&DeeW kesÀ meeLe keÀesF& Yeer yeQkeÀ
Jeebefíle mesJeeSb he´oeve keÀj mekeÀlee
met®evee
nw Deewj Deheveer mebheefÊe/os³eleeSb kesÀ
heesì&HeÀesefue³ees keÀes yeæ{e mekeÀlee nw.
2. melele efJekeÀeme ue#³e – DeJemej ie´erve ef[hee@ef]peìdme meb³egÊeÀ jeä^ melele ie´erve ef[hee@ef]peì keÀer mekeÀjelcekeÀ: peueJee³eg
"ie´erve efHeÀkeÌ[ efJekeÀeme ue#³eeW (Sme[erpeer) keÀes meerOes hesMekeÀMe efJeMes<e ojeW hej heefjJele&ve mes Deheves
ef[hee@efpeì" meceLe&ve osves Jeeueer heefj³eespeveeDeeW keÀer peeleer nw pees Dev³e he³ee&JejCe keÀer j#ee
ceW mesvì^ue yeQkeÀ DeeHeÀ Fbef[³ee keÀer efHeÀkeÌm[ ef[hee@ef]peì ojeW keÀjvee mece³e keÀer ceebie
Yeeieeroejer keÀes yeæ{elee nw Deewj nceejs mes Thej nQ. nw. Dele: osMe Yej ceW
peceekeÀlee&DeeW keÀes Ssmes efJeÊeer³e GlheeoeW ie´erve ef[hee@ef]peì keÀes
keÀes ®egveves kesÀ efueS meMeÊeÀ keÀjsiee pees yeæ{eves keÀer Deheej
he³ee&JejCe Deewj yeæ[s hewceeves hej meceepe mebYeeJeveeSb nQ.
efjheesì&
hej mekeÀejelcekeÀ he´YeeJe [eueles nQ.
3. ie´erve HeÀeFveWeEmeie DeJemej mejkeÀej DekeÌmej meYeer kesÀ efueS SkeÀ peue he´yebOeve, DeheefMeä mekeÀejelcekeÀ: SkeÀ
DeefOekeÀ melele YeefJe<³e he´ehle keÀjves he´yebOeve, efkeÀHeÀe³eleer mece=× ie´erve heesì&HeÀesefue³eeW
nsleg SkeÀ {eb®es keÀer lejn Sme[erpeer keÀes nefjle DeeJeeme, nefjle yeveeves keÀer Deheej
efve³eesefpele keÀjleer nw Deewj kebÀheefve³eeb Jeenve efJeÊehees<eCe Deeefo mebYeeJeveeSb.
Gve Sme[erpeer kesÀ meeLe pegæ[ves kesÀ pewmes nefjle efJeÊe kesÀ
efueS keÀe@jheesjsì ue#³e efveOee&efjle keÀj efJeefJeOe hetue lekeÀ hengb®e.
jner nw.
J³eeheeefj³eeW Deewj efye¬eÀer he´efleefveefOe³eeW
efJeÊeer³e
heer1 J³eJemee³eeW keÀes veweflekeÀ, heejoMeea Deewj peJeeyeosner lejerkesÀ mes mJe³eb F&ceeveoejer kesÀ meeLe meb®eeueve Deewj Meemeve keÀjvee ®eeefnS.
heer 2 J³eJemee³eeW keÀes JemlegDeeW Deewj mesJeeDeeW keÀes Fme he´keÀej he´oeve keÀjvee ®eeefnS efkeÀ Jees melele Deewj megjef#ele neW.
heer 3 J³eJemee³eeW keÀes GvekesÀ Deheves DeeefLe&keÀ efnleOeejer meefnle meYeer keÀce&®eeefj³eeW keÀe mecceeve Deewj GvekeÀe keÀu³eeCe keÀjvee ®eeefnS.
heer 4 J³eJemee³eeW keÀes Deheves meYeer efnleOeejkeÀeW kesÀ efnleeW keÀe mecceeve keÀjvee ®eeefnS Deewj GvekesÀ he´efle GÊejoe³eer nesvee ®eeefnS.
heer 5 J³eJemee³eeW keÀes ceeveJeeefOekeÀejeW keÀe mecceeve keÀjvee Deewj GvekeÀes yeæ{eJee osvee ®eeefnS.
heer 6 J³eJemee³eeW keÀes he³ee&JejCe keÀe mecceeve, megj#ee Deewj megOeej kesÀ he´³eeme keÀjves ®eeefnS.
heer 7 pevelee Deewj efve³eecekeÀ veerefle keÀes he´YeeefJele keÀjves ceW ueies J³eJemee³eeW keÀes O³eeve osvee ®eeefnS efkeÀ ³en efpeccesoej Deewj heejoMeea nes
heer 8 J³eJemee³eeW keÀes meceeJesMeer efJekeÀeme Deewj meceeve efJekeÀeme keÀes yeæ{eJee osvee ®eeefnS.
heer 9 J³eJemee³eeW keÀes Deheves ie´enkeÀeW kesÀ meeLe SkeÀ efpeccesoej lejerkesÀ mes pegæ[vee ®eeefnS Deewj GvnW mecceeve osvee ®eeefnS.
Fme DevegYeeie keÀe GÎsM³e J³eJemee³eeW keÀes SvepeerDeejyeermeer efme×ebleeW Deewj cetue lelJeeW keÀes Deheveeves keÀer efoMee ceW mebj®evee, veerefle³eeb Deewj he´ef¬eÀ³eeDeeW keÀes he´oe|Mele
keÀjvee nw
he´keÀìerkeÀjCe he´Mve heer 1 heer 2 heer 3 heer 4 heer 5 heer 6 heer 7 heer 8 heer 9
veerefle Deewj he´yebOeve he´ef¬eÀ³eeSb
1. keÀ. ke̳ee DeehekeÀer FkeÀeF& keÀer veerefle/veerefle³eeb neb neb neb neb neb neb neb neb neb
SvepeerDeejyeermeer kesÀ Deheves cetue lelJeeW Deewj he´l³eskeÀ
efme×eble keÀes keÀJej keÀjleer nw. (neb/veneR)
Ke. ke̳ee veerefle, ceb[ue Üeje Devegceesefole nes ®egkeÀer nw? neb neb neb neb neb neb neb neb neb
(neb/veneR)
ie. ³eefo GheueyOe nes lees, veerefle³eeW kesÀ efueS Jesye efuebkeÀ https://www.centralbankofindia.co.in/
kegÀí veerefle³eeb yeQkeÀ keÀer DeebleefjkeÀ veerefle³eeW keÀe meceecesueve keÀj mekeÀleer nw efpemeceW meYeer
DeebleefjkeÀ efnleOeejkeÀeW keÀes hengb®e nw Deewj yeQkeÀ keÀer JesyemeeFì hej veerefle³eeW keÀes oMee&³ee
ie³ee nw.
2. ke̳ee FkeÀeF& ves veerefle³eeW keÀes he´ef¬eÀ³ee ceW yeouee nw (neb/veneR) neb. yeQkeÀ ves ueeiet veerefle³eeW keÀes he´ef¬eÀ³ee ceW yeouee nw Deewj GvnW yeQkeÀ Üeje keÀer peeves Jeeueer
ieefleefJeefOe³eeW kesÀ meYeer #es$eeW ceW he´ef¬eÀ³eeDeeW Deewj he´LeeDeeW ceW DevegketÀefuele efkeÀ³ee nw.
3. ke̳ee met®eerye× veerefle³eeb DeehekesÀ DeeefLe&keÀ efnle YeeieeroejeW neb. yeQkeÀ keÀer Dee®eej mebefnlee J³eehekeÀ mlej hej Ghe³eg&ÊeÀ efme×eleeW keÀes Deheveeleer nw Deewj yeQkeÀ
lekeÀ HewÀueer ngF& nQ? (neb/veneR) Deheves efnleOeejkeÀeW mes Deheves meYeer uesve-osve ceW FmekeÀe heeueve keÀjves keÀer Dehes#ee keÀjlee nw.
4. DeehekeÀer FkeÀeF& Üeje jeä^er³e Deewj Debleje&ä^er³e keÀes[ / ueeiet veneR
he´ceeCeve / uesyeue / ceevekeÀeW (pewmes Jeve he´yebOekeÀ heefj<eo,
HesÀ³ejì^s[, jsveHeÀe@jsmì, Suee³ebme, ì^mìer) ceevekeÀeW (pewmes
SmeS 8000, DeesS®eSmeSSme, DeeF&SmeDees, yeerDeeF&Sme)
keÀes DeheveeS ie³ee Deewj he´l³eskeÀ efme×eble keÀes ceevee ie³ee
5. efveOee&efjle mece³e-meercee kesÀ meeLe FkeÀeF& Üeje efJeefvee|oä GhejesÊeÀ veerefle³eeW kesÀ lenle keÀesF& efJeefMeä ue#³e efveOee&efjle veneR efkeÀ³ee pee jne nw. neueebefkeÀ,
he´efleye×leeSb, ue#³e Deewj he´³eespeve, ³eefo keÀesF& nes Fve efme×ebleeW keÀe Devegheeueve nceejer he´efleye×lee Deewj ue#³e nw.
6. efJeefMeä he´efleye×leeDeeW, ue#³eeW Deewj ue#³eeW kesÀ meeLe-meeLe ueeiet veneR.
Gve keÀejCeeW keÀes hetje veneR keÀjves keÀer eqmLeefle ceW FkeÀeF& keÀe
efve<heeove.
he´keÀìerkeÀjCe he´Mve heer 1 heer 2 heer 3 heer 4 heer 5 heer 6 heer 7 heer 8 heer 9
Meemeve, vesle=lJe Deewj efvejer#eCe
7. F&Smepeer mes mebyebefOele ®egveewefle³eeW, ue#³eeW Deewj GheueeqyOe³eeW hej he´keÀeMe [eueles ngS, J³eJemee³e GÊejoeef³elJe efjheesì& kesÀ efueS GÊejoe³eer efveosMekeÀ keÀe efJeJejCe
(Fme he´keÀìerkeÀjCe kesÀ he´mlegleer kesÀ meboYe& ceW met®eerye× F&keÀeF& ue®eerueer nw)
yeQkeÀ keÀe GÎsM³e osMe ceW efJeÊeer³e meceeJesMeve keÀes yeæ{evee nw. F&Smepeer ceevekeÀeW kesÀ he´efle yeQkeÀ keÀer he´efleye×lee FmekesÀ cetue efme×ebleeW ceW meJeexÊece ªhe mes heefjueef#ele
nesleer nw, pees FmekesÀ meb®eeueve kesÀ meYeer henuegDeeW ceW efveefnle nQ. o³eeueglee, efve<he#elee, he´YeeJeeslheeokeÀlee Deewj o#elee yeQkeÀ kesÀ cetue DeeoMe& nQ. yeQkeÀ kesÀ
Devegmeej, Deheves meYeer efnleOeejkeÀeW kesÀ efueS oerIe&keÀeefuekeÀ cetu³e yeveeves Deewj eqmLejlee keÀes yeæ{eJee osves kesÀ efueS megMeemeve ceevekeÀ SkeÀ cenlJehetCe& meeOeve
nQ. ceeveJe DeefOekeÀejeW kesÀ efueS mecceeve yeQkeÀ kesÀ ceewefuekeÀ Deewj cetue cetu³eeW ceW mes SkeÀ nw. yeQkeÀ kesÀ Devegmeej peueJee³eg heefjJele&ve ve kesÀJeue SkeÀ he³ee&JejCeer³e
jCeefveleer
cegÎe nw, yeequkeÀ SkeÀ J³eeJemeeef³ekeÀ peesefKece Yeer nw. Deheveer GOeej veerefle³eeW ceW, yeQkeÀ meeceeefpekeÀ Deewj he³ee&JejCeer³e he´YeeJe hej efJeJeskeÀ meccele Òe³eemeeW keÀes
yeæ{e jne nw.
8. J³eeJemeeef³ekeÀ GÊejoeef³elJe veerefle (³eeW) kesÀ keÀe³ee&vJe³eve Þeer jepeerJe hegjer
Deewj efvejer#eCe kesÀ efueS efpeccesoej meJeex®®e he´eefOekeÀejer keÀe keÀe³e&heeuekeÀ efveosMekeÀ
efJeJejCe.
9. ke̳ee mebmLee kesÀ heeme yees[&/efveosMekeÀ keÀer SkeÀ efvee|oä neb, meYeer meefceefle³eeb Deheveer keÀe³e&met®eer efJeefMeä DeeJeM³ekeÀlee kesÀ Devegmeej mLeeef³elJe mebyebOeer
meefceefle nw pees mLee³eerlJe mebyebOeer cegÎeW hej efveCe&³e uesves kesÀ cegÎeW keÀes osKeleer nQ.
efueS efpeccesoej nw`
(neb veneR).
met®evee
³eefo neb, lees efJeJejCe oW.
10. yeQkeÀ Üeje SvepeerDeejyeermeer keÀer meceer#ee keÀe efJeJejCe
meceer#ee kesÀ efueS efJe<e³e mebmLee Üeje ke=Àle ieS efme×ebleeW keÀer meceer#ee Deewj DeeJe=efÊe
heer1 heer2 heer3 heer4 heer5 heer6 heer7 heer8 heer9
GhejesÊeÀ veerefle³eeW kesÀ efKeueeHeÀ he´oMe&ve Deewj DevegJeleea SkeÀ he´Lee kesÀ ªhe ceW, yeQkeÀ keÀer yeerDeej veerefle³eeW keÀer mece³e-mece³e hej ³ee DeeJeM³ekeÀlee
keÀej&JeeF& kesÀ DeeOeej hej efJeYeeie he´cegKeeW Deewj me#ece he´eefOekeÀejer Üeje meceer#ee keÀer peeleer nw. Fme
cetu³eebkeÀve kesÀ oewjeve, veerefle³eeW keÀer he´YeeJeMeeruelee keÀer meceer#ee keÀer peeleer nw Deewj veerefle³eeW
Deewj he´ef¬eÀ³eeDeeW ceW DeeJeM³ekeÀ heefjJele&ve ueeiet efkeÀS peeles nQ.
efjheesì&
JewOeeefvekeÀ DeeJeM³ekeÀleeDeeW keÀe Devegheeueve efme×ebleeW keÀer yeQkeÀ ueeiet nesves Jeeues ceewpetoe efve³eceeW keÀe Devegheeueve keÀj jne nQ.
he´emebefiekeÀlee, Deewj, efkeÀmeer Yeer iewj-Devegheeueve keÀe megOeej
11. ke̳ee mebmLee ves efkeÀmeer yeenjer SpeWmeer Üeje Deheveer veerefle³eeW veneR
kesÀ keÀecekeÀepe keÀe mJeleb$e cetu³eebkeÀve efkeÀ³ee nw?
(neb/veneR)
³eefo neb lees SpeWmeer keÀe veece yeleeSb
12. ³eefo Thej efoS ieS he´Mve (1) keÀe GÊej “veneR” nw DeLee&le meYeer efme×eble efkeÀmeer veerefle Üeje keÀJej veneR efkeÀS peeles nQ, lees keÀejCe yeleeS peeves ®eeefnS: ueeiet veneR
DevegYeeie meer: efme×eble kesÀ Devegmeej efve<heeove he´keÀìerkeÀjCe
efJeÊeer³e
efme×eble 1 J³eJemee³eeW keÀes F&ceeveoejer kesÀ meeLe Deewj veweflekeÀ, heejoMeea Deewj peJeeyeosn lejerkesÀ mes FkeÀeF& keÀe meb®eeueve Deewj Meemeve keÀjvee ®eeefnS.
DeeJeM³ekeÀ mebkesÀlekeÀ
1. efJeÊeer³e Je<e& kesÀ oewjeve efkeÀmeer Yeer efme×eble hej he´efMe#eCe Deewj peeieªkeÀlee keÀe³e&¬eÀceeW Üeje he´efleMele keÀJejspe:
खं ड आयोजित प्रशिक्षण और प्रशिक्षण के अंतर्गत शामिल विषय/सिद्धांत जागरूकता कार्यक्रमों
जागरूकता कार्यक्रमों की और प्रभाव के अंतर्गत सं बं धित
कु ल सं ख्या श्रेणी के व्यक्तियों की
आयु का प्रतिशत
निदेशक मं डल 3 प्रशिक्षण के तहत शामिल सभी सिद्धांत. 87.50%
प्रमुख प्रबं धकीय कार्मिक 8
विभिन्न कार्यात्मक क्षेत्रों के साथ-साथ नेतृत्व 57.20%
विकास से सं बं धित प्रशिक्षण/सम्मेलन
निदेशक मं डल और के एमपी के 4005
विभिन्न कार्यात्मक क्षेत्रों के साथ-साथ व्यवहार 86.75%
अलावा अन्य कर्मचारी सं बं धी पहलुओ ं से सं बं धित प्रशिक्षण
2. efJeÊeer³e Je<e& ceW efve³eecekeÀeW/keÀevetve he´Jele&ve SpeWefme³eeW/v³eeef³ekeÀ FkeÀeF&³eeW mes meeLe keÀe³e&Jeener ceW Yegieleeve efkeÀS ieS pegcee&ves/DeLe&ob[/ob[/hegjmkeÀej/kebÀheeGbeE[ie
MegukeÀ/efveheìeve jeefMe keÀe efJeJejCe (FkeÀeF& ³ee efveosMekeÀeW/kesÀSmeheerSme Üeje) efvecveefueefKele he´eªhe ceW
(efìhheCeer: mesyeer efJeefve³ece, 2015 kesÀ efJeefve³ece 30 ceW efvee|oä Deewj F&keÀeF& keÀer JesyemeeFì hej efoS ieS efJeJejCe kesÀ Devegmeej F&keÀeF&, meeceeefie´³eeW kesÀ DeeOeej
hej he´keÀìerkeÀjCe keÀjsieer):
cegêe
SvepeerDeejyeermeer efve³eecekeÀ/he´Jele&ve jeefMe (ªhe³es ceW) ceeceues keÀe mebef#ehle DeefOeceeefvele (neB/veneR)
efme×eble SpeWefme³eeW kesÀ veece efJeJejCe
ob[ /pegcee&vee ob[ / pegcee&vee/ mecePeewlee / he´Meceve MegukeÀ, ³eefo efkeÀmeer keÀe yeQkeÀ Üeje Yegieleeve efkeÀ³ee ie³ee nw lees Jen yeQkeÀ keÀer cenlJe / Deee|LekeÀ
mecePeewlee veerefle kesÀ Devegmeej cenlJehetCe& veneR nw. Fme mebyebOe ceW Mes³ej yee]peej kesÀ he´keÀìve keÀes yeQkeÀ keÀer JesyemeeFì hej he´oe|Mele efkeÀ³ee pee jne nw.
he´Meceve MegukeÀ
iewj - ceewefêkeÀ
SvepeerDeejyeermeer efve³eecekeÀ / he´Jele&ve SpeWefme³eeW kesÀ veece ceeceues keÀe mebef#ehle ke̳ee Deheerue keÀer ieF&`
efme×eble efJeJejCe (neB/veneR)
keÀejeJeeme Metv³e Metv³e Metv³e Metv³e
mepee Metv³e Metv³e Metv³e Metv³e
3. GhejesÊeÀ he´Mve 2 ceW GodIeeefìle ceeceueeW ceW mes, Gve ceeceueeW ceW Deheerue / hegvee|Je®eej DevegjesOe keÀe efJeJejCe peneB ceewefêkeÀ ³ee iewj-ceewefêkeÀ keÀej&JeeF& keÀer Deheerue
keÀer ie³eer nw.
ceeceues keÀe efJeJejCe efve³eecekeÀ / he´Jele&ve SpeWefme³eeW / v³eeef³ekeÀ mebmLeeveeW kesÀ veece
Metv³e Metv³e
4. ke̳ee kebÀheveer kesÀ heeme Ye´äe®eej efJejesOeer ³ee efjéele efJejesOeer veerefle nw? ³eefo neB, lees meb#eshe ceW efJeJejCe he´oeve keÀjW Deewj ³eefo GheueyOe nes lees veerefle kesÀ efueS SkeÀ
Jesye-eEuekeÀ he´oeve keÀjW.
neB. SkeÀ cegKeefyej veerefle nw Deewj ³en yeQkeÀ kesÀ DeebleefjkeÀ heesì&ue hej GheueyOe nw.
³en veerefle keÀoe®eej, OeesKeeOejer, ueehejJeener, ieyeve, heo keÀe og©he³eesie, Deeefo mebyebOeer efkeÀmeer Yeer keÀe³e& keÀer efjheesì& keÀjves kesÀ efueS megjef#ele
Deewj ieesheveer³e ceb®e he´oeve keÀjleer nw. FmekesÀ DeueeJee yeQkeÀ kesÀ heeme Dee®eej mebefnlee, J³eJemee³e mebefnlee SJeb efnle mebIe<e& mebyebOeer veerefle nw.
nceejer cegKeefyej veerefle yeQkeÀ kesÀ Dee®eej mebefnlee keÀe efJemleej nw efpemekeÀe GÎsM³e De®ís keÀe@heexjsì he´Meemeve keÀes yeæ{eJee osvee, efJeéeeme hewoe keÀjvee
SJeb he´efleMeesOe kesÀ efyevee JeemleefJekeÀ ³ee mebefoiOe OeesKeeOe[er Deewj/³ee keÀoe®eej Deewj/³ee yeQkeÀ keÀer Dee®eej mebefnlee GuuebIeve pewmes DeveweflekeÀ
J³eJenej kesÀ ceeceues ceW Deheveer eE®eleeDeeW keÀes he´keÀì keÀjves nsleg meerìer yepeeves kesÀ Deheves efveCe&³e kesÀ yeejs ceW keÀce&®eeefj³eeW keÀes meMeÊeÀ cenmetme keÀjevee
nw.
cegKeefyej veerefle mebyebOeer efJeJejCe efvecve eEuekeÀ kesÀ ceeO³ece mes Dee@veueeFve he´ehle efkeÀ³ee pee mekeÀlee nw. https://www.centralbankofindia.
co.in/sites/default/files/Whistle_blower_policy_0.pdf yeQkeÀ J³eJemee³e kesÀ meb®eeueve ceW Deewj Deheves meYeer efnleOeejkeÀeW kesÀ meeLe
G®®elece veweflekeÀ ceeceueeW meefnle ueeiet meYeer ]keÀevetveeW SJeb efJeefve³eceeW kesÀ Devegheeueve nsleg he´efleye× nw. nceejs heeme Dee®eej mebefnlee, J³eJemee³e mebefnlee
SJeb efnle mebIe<e& mebyebOeer meceie´ veerefle nw.
Dee®eej mebefnlee, J³eJemee³e mebefnlee SJeb efnle mebIe<e& mebyebOeer veerefle keÀes efvecve eEuekeÀ kesÀ ceeO³ece mes Dee@veueeFve osKee pee mekeÀlee nw. https://www.
centralbankofindia.co.in/sites/default/files/documents/ANNEX_I_CODE_OF_ETHICS_BUSINESS_CONDUCT_
CONFLICT_OF_INTEREST.pdf
5. निदेशकों / के एम पी / कर्मचारियों / keÀeceieejeW keÀer mebK³ee efpevekesÀ efJe©× Ye´äe®eej kesÀ DeejesheeW kesÀ efueS efkeÀmeer Yeer keÀevetve he´Jele&ve SpeWmeer Üeje
DevegMeemeveelcekeÀ keÀej&JeeF& keÀer ie³eer Leer :
efJeÊe Je<e& 2021-22 efJeÊe Je<e& 2020-21
efveosMekeÀ Metv³e Metv³e
kesÀSceheerSme Metv³e Metv³e
keÀce&®eejer 32* 20*
* DeefYe³eespeve Devegceefle kesÀ efueS Òeehle kegÀue meeryeerDeeF ceeceues (yeQkeÀ mes mJeerke=Àle ³ee DemJeerke=Àle)
jCeefveleer
Metv³e
1. efJeÊeer³e Je<e& kesÀ oewjeve efkeÀmeer Yeer efme×eble hej Deee|LekeÀ efnle YeeieeroejeW kesÀ efueS Dee³eesefpele peeie©keÀlee keÀe³e&¬eÀce:
peeieªkeÀlee keÀe³e&¬eÀce kesÀ Dee³eespeve keÀer he´efMe#eCe kesÀ Debleie&le Deeves Jeeues efJe<e³e/ peeieªkeÀlee keÀe³e&¬eÀceeW kesÀ lenle
kegÀue mebK³ee efme×eble meeqcceefuele efkeÀS ieS Deee|LekeÀ efnle
YeeieeroejeW keÀer Dee³eg (Ssmes YeeieeroejeW kesÀ
meeLe efkeÀS ieS J³eJemee³e kesÀ cetu³e kesÀ
Devegmeej)
Metv³e Metv³e Metv³e
met®evee
2. ke̳ee yees[& kesÀ meom³eeW mes pegæ[s efnleeW kesÀ ìkeÀjeJe mes ye®eves / he´yebOeve kesÀ efueS mebmLee kesÀ heeme he´ef¬eÀ³eeSB nQ? (neB / veneR) ³eefo neB, lees GmekeÀe
efJeJejCe oW.
yeQkeÀ G®®elece veweflekeÀ ceevekeÀeW kesÀ meeLe Deewj meYeer ueeiet ]keÀevetveeW Deewj efJeefve³eceeW kesÀ Devegheeueve ceW J³eJemee³e keÀjves Deewj Deheves meYeer
efnleOeejkeÀeW kesÀ meeLe J³eJenej keÀjves kesÀ efueS he´efleye× nw. nceejs heeme Dee®eej mebefnlee, J³eeJemeeef³ekeÀ Dee®ejCe Deewj efnle mebIe<e& hej
Yeer SkeÀ J³eehekeÀ veerefle nw.
Fme veerefle keÀes efvecve eEuekeÀ kesÀ ceeO³ece mes Dee@veueeFve osKee pee mekeÀlee nw.
https://www.centralbankofindia.co.in/sites/default/files/documents/ANNEX_I_CODE_OF_ETHICS_BUSINESS_
CONDUCT_CONFLICT_OF_INTEREST.pdf
efjheesì&
efme×eble 2 - J³eJemee³e Üeje Ssmes Glheeo SJeb mesJeeSb he´oeve keÀer peeveer ®eeefnS pees mLee³eer SJeb megjef#ele neW
DeeJeM³ekeÀ mebkesÀlekeÀ
1. mebmLee Üeje ¬eÀceMe: MeesOe SJeb efJekeÀeme Deewj hetbpeeriele J³e³e (kewÀheskeÌme) hej kegÀue efveJesMe keÀer leguevee ceW Glheeo Deewj he´ef¬eÀ³eeDeeW kesÀ he³ee&JejCeer³e Deewj
meeceeefpekeÀ he´YeeJeeW keÀes megOeejves kesÀ efueS efJeefMeä he´ewÐeesefieefkeÀ³eeW ceW MeesOe SJeb efJekeÀeme Deewj hetbpeeriele J³e³e (kewÀheskeÌme) efveJesMe keÀe he´efleMele . ueeiet veneR
yeQkeÀ kesÀ J³eJemee³e keÀer he´ke=Àefle keÀes osKeles ngS, GhejesÊeÀ keÀer he´emebefiekeÀlee keÀeHeÀer no lekeÀ met®evee he´ewÐeesefiekeÀer (DeeF&ìer) kewÀheskeÌme lekeÀ ner
meerefcele nw. efJeÊe Je<e& 22 ceW, kewÀheskeÌme ves DeeF& ìer ne[&Jes³ej Deewj mee@HeÌìJes³ej hej Ke®e& efkeÀ³ee, efpememes yeQkeÀ keÀer yeæ{er ngF& ef[efpeìue henue
keÀer megefJeOee kegÀue jepemJe keÀe 1.68% Leer. ef[efpeìue huesìHeÀe@ceeX keÀes DeefOekeÀ mes DeefOekeÀ Deheveeves mes ve kesÀJeue meb®eeueve keÀer #ecelee ceW
Je=ef× nesleer nw, yeequkeÀ keÀeiepe keÀer Kehele ceW Yeer keÀeHeÀer keÀceer Deeleer nw.
Jele&ceeve efJeÊeer³e Je<e& efheíuee efJeÊeer³e Je<e& meeceeefpekeÀ he´YeeJe Deewj he³ee&JejCe ceW megOeej keÀe efheíuee efJeJejCe
efJeÊeer³e
4. ke̳ee FkeÀeF& keÀer ieefleefJeefOe³eeW hej efJemleeefjle GlheeokeÀ GÊejoeef³elJe (F&heerDeej) ueeiet neslee nw? (neB / veneR). ³eefo neB, lees ke̳ee keÀ®eje
mebie´nCe ³eespevee he´ot<eCe efve³eb$eCe yees[& keÀes he´mlegle efJemleeefjle GlheeokeÀ GÊejoeef³elJe (F& heer Deej) ³eespevee kesÀ Devegªhe nw? ³eefo veneR, lees
FmekeÀe meceeOeeve keÀjves kesÀ efueS GþeS ieS keÀoceeW keÀe GuuesKe keÀjW. - ueeiet veneR
vesle=lJe mebkesÀlekeÀ
1. ke̳ee FkeÀeF& ves Deheves efkeÀmeer Glheeo (efJeefvecee&Ce GÐeesie kesÀ efueS) ³ee Deheveer mesJeeDeeW (mesJee GÐeesie kesÀ efueS) kesÀ efueS peerJeve ®e¬eÀ heefjhe´s#³e / DeekeÀueve
(Sue meer S) efkeÀ³ee nw?
veneR
³eefo neB, lees efvecveefueefKele he´eªhe ceW efJeJejCe he´oeve keÀjW?
एनआईसी कोड उत्पाद / सेवा का कु ल कारोबार का किस सीमा तक के क्या स्वतं त्र बाहरी परिणाम सार्वजनिक
नाम योगदान % लिए जीवन चक्र एजेंसी द्वारा किया गया था (हाँ/
परिप्रेक्ष्य / मूल्यांकन आयोजित किया नहीं) यदि हाँ, तो
किया गया था गया (हाँ/नहीं) वेब-लिंक प्रदान करें
ueeiet veneR
2. ³eefo DeehekesÀ GlheeoeW / mesJeeDeeW kesÀ Glheeove ³ee efveheìeve mes GlheVe nesves Jeeueer keÀesF& cenlJehetCe& meeceeefpekeÀ ³ee he³ee&JejCeer³e eE®eleeSb Deewj/³ee peesefKece nQ,
pewmee efkeÀ peerJeve ®e¬eÀ heefjhe´s#³e / DeekeÀueve (SuemeerS) ceW ³ee efkeÀmeer Dev³e ceeO³ece mes hen®eevee ie³ee nw, lees meb#eshe ceW GmekeÀe JeCe&ve keÀjW Deewj Gmes keÀce
keÀjves kesÀ efueS keÀer ieF& keÀej&JeeF& keÀe mebef#ehle efJeJejCe oW. – ueeiet veneR
3. Glheeove (efvecee&Ce GÐeesie kesÀ efueS) ³ee mesJeeSb he´oeve keÀjves (mesJee GÐeesie kesÀ efueS) ceW Ghe³eesie keÀer peeves Jeeueer kegÀue meeceie´er (cetu³e kesÀ Devegmeej) ceW
hegveve&JeerveerkeÀjCe ³ee hegve: Ghe³eesie keÀer ieF& Fvehegì meeceie´er keÀe he´efleMele. – ueeiet veneR
4. GlheeoeW kesÀ Deble ceW hegveë he´ehle GlheeoeW Deewj hewkesÀeEpeie ceW mes, jeefMe (ceerefì^keÀ ìve ceW) efvecveefueefKele he´eªhe kesÀ Devegmeej hegve: Ghe³eesie, hegveve&JeerveerkeÀjCe
Deewj megjef#ele ªhe mes efveheìeF& ieF&: - ueeiet veneR
5. he´l³eskeÀ Glheeo ÞesCeer kesÀ efueS hegveë oeJee efkeÀS ieS Glheeo Deewj GvekeÀer hewkesÀeEpeie meeceie´er (yes®es ieS GlheeoeW kesÀ he´efleMele kesÀ ªhe ceW) – ueeiet veneR
efme×eble 3 - J³eJemee³eeW keÀes meYeer keÀce&®eeefj³eeW keÀe mecceeve keÀjvee ®eeefnS Deewj GvekesÀ keÀu³eeCe keÀes yeæ{eJee osvee ®eeefnS, FmeceW GvekesÀ Deee|LekeÀ
efnle OeejkeÀ Yeer Meeefceue nQ
1. S. keÀce&®eeefj³eeW kesÀ keÀu³eeCe kesÀ efueS efkeÀS ieS Ghee³eeW keÀe efJeJejCe:
ÞesCeer efvecve Üeje mebjef#ele keÀce&®eeefj³eeW keÀe %
कु ल (ए) स्वास्थ्य बीमा दरु ्घटना बीमा मातृत्व लाभ पितृत्व लाभ दिन में देखभाल की
सुविधा
mebK³ee % (yeer/S) mebK³ee % mebK³ee % mebK³ee % (F&/S) mebK³ee %
(yeer) (meer) (meer/S) ([er) ([er/F&) (F&) (SHeÀ) (SHeÀ/S)
mLee³eer keÀce&®eejer
heg©<e 22915 22915 100 22915 100 0 0 22915 100 00 00
ceefnuee 7374 7374 100 7374 100 7374 100 0 0 00 00
kegÀue 30289 30289 100 30289 100 7374 100 22915 100 00 00
yeer. ÞeefcekeÀeW kesÀ keÀu³eeCe kesÀ efueS efkeÀS Ghee³eeW keÀe efJeJejCe: ueeiet veneR
2. Jele&ceeve efJeÊeer³e Je<e& Deewj efheíues efJeÊeer³e Je<e& kesÀ efueS mesJeeefveJe=efÊe ueeYeeW keÀe efJeJejCe.
HeÀe³eos efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊeer³e Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊeer³e Je<e&
kegÀue keÀce&®eeefj³eeW kegÀue keÀeceieejeW ceW he´eefOekeÀjCe kesÀ heeme kegÀue keÀce&®eeefj³eeW kegÀue keÀeceieejeW he´eefOekeÀjCe kesÀ
ceW meeqcceefuele meeqcceefuele keÀeceieejeW keÀìewleer Deewj pecee ceW meeqcceefuele ceW meeqcceefuele heeme keÀìewleer
keÀce&®eeefj³eeW keÀer keÀer mebK³ee % ceW (neB/veneR /ueeiet veneR) keÀce&®eeefj³eeW keÀer keÀeceieejeW keÀer Deewj pecee (neB/
mebK³ee % ceW mebK³ee % ceW mebK³ee % ceW veneR /ueeiet
veneR)
YeefJe<³e efveefOe 11461 (37.83%) ueeiet veneR neB 13223 (40.89%) ueeiet veneR neB
Gheoeve 30289 (100%) ueeiet veneR ueeiet veneR 32335 (100%) ueeiet veneR ueeiet veneR
F&SmeDeeF& ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
Dev³e – ke=Àhe³ee 11342 (37.44%) ueeiet veneR ueeiet veneR 13079 (40.44%) ueeiet veneR ueeiet veneR
GequueefKele 18832 (62.17%) neB 19117 (59.11%) neB
keÀjW
142 Jeeef<e&keÀ efjheesì& 2021-22
J³eJemeeef³ekeÀ GÊejoeef³elJe SJeb mLeeef³elJe efjheesì&
peejer
jCeefveleer
keÀjW.
neb, efoJ³eebiepeve kesÀ DeefOekeÀej DeefOeefve³ece 2016 kesÀ he´eJeOeeveeW keÀes O³eeve ceW jKeles ngS, nceejs yeQkeÀ ves SkeÀ “meceeve DeJemej veerefle” lew³eej keÀer nw pees
efoJ³eebiepeve hej efJeMes<e O³eeve osleer nw Deewj FmekeÀe GÎsM³e efoJ³eebiepeve kesÀ efueS jespeieej kesÀ DeJemej hewoe keÀjvee Deewj me=peve keÀjvee Yeer nw. GvekesÀ efueS efkeÀmeer
Yeer lejn kesÀ YesoYeeJe mes cegÊeÀ keÀece keÀjves keÀe DevegketÀue JeeleeJejCe GheueyOe keÀjevee nw.
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee keÀer meceeve DeJemej veerefle Gce´, jbie, JewJeeefnkeÀ eqmLeefle, MeejerefjkeÀ #ecelee, jeä^er³elee, peeefle, Oece&, eEueie, ³eewve DeefYeefJev³eeme ³ee
Fme he´³eespeve kesÀ efueS keÀesF& Dev³e he´emebefiekeÀ YesoYeeJe kesÀ efyevee yeQkeÀ kesÀ meYeer efoJ³eebie keÀce&®eeefj³eeW hej ueeiet nesleer nw.
hee@efuemeer keÀes efvecveefueefKele eEuekeÀ kesÀ ceeO³ece mes Dee@veueeF&ve SkeÌmesme efkeÀ³ee osKee pee mekeÀlee nw
https://centralbankofindia.co.in/sites/default/files/CBoI_Equal_Opportunity_Policy.pdf
met®evee
5. efhele=lJe DeJekeÀeMe uesves Jeeues mLee³eer keÀce&®eeefj³eeW Deewj ÞeefcekeÀeW keÀer keÀece hej Jeehemeer Deewj he´efleOeejCe oj.
mLee³eer keÀce&®eejer mLee³eer keÀeceieej
eEueie keÀece Jeehemeer oj he´efleOeejCe oj keÀece Jeehemeer oj he´efleOeejCe oj
heg©<e 100% 99.55% ueeiet veneR
ceefnuee 100% 99.80%
6. ke̳ee efvecveefueefKele kesÀ efueS efMekeÀe³eleeW keÀes he´ehle keÀjves Deewj GvekeÀe efveJeejCe keÀjves kesÀ efueS keÀesF& leb$e GheueyOe nw? ³eefo neB, lees ef¬eÀ³eeefJeefOe keÀe meb#eshe ceW
efjheesì&
efJeJejCe oW.
neB/veneR
(³eefo neB, lees ef¬eÀ³eeefJeefOe keÀe meb#eshe ceW efJeJejCe oW)
mLee³eer keÀeceieej ueeiet veneR
mLee³eer keÀeceieej kesÀ DeueeJee ueeiet veneR
mLee³eer keÀce&®eejer neB (yeQkeÀ kesÀ heeme Deheves meYeer keÀce&®eeefj³eeW kesÀ efueS SkeÀ megheefjYeeef<ele Deewj
mebjef®ele efMekeÀe³ele efveJeejCe leb$e nw)
mLee³eer keÀce&®eejer kesÀ DeueeJee ueeiet veneR efJeÊeer³e
7. met®eerye× kebÀheveer Üeje ceev³elee he´ehle mebIe ³ee ³etefve³eveeW ceW keÀce&®eeefj³eeW Deewj keÀe³e&keÀlee&DeeW keÀer meom³elee :
ÞesCeer efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊeer³e Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊeer³e Je<e&
mebyebefOele mebyebefOele ÞesCeer %( yeer/ mebyebefOele mebyebefOele ÞesCeer % ([er /
ÞesCeer ceW kegÀue kesÀ keÀce&®eeefj³eeW S) ÞesCeer ceW kegÀue kesÀ keÀce&®eeefj³eeW/ meer)
keÀce&®eejer/ / keÀee|cekeÀeW keÀce&®eejer/ keÀee|cekeÀeW keÀer
keÀee|cekeÀ (S) keÀer mebK³ee pees keÀee|cekeÀ (meer) mebK³ee pees
SmeesefmeSMeve SmeesefmeSMeve
³ee ³etefve³eve keÀe ³ee ³etefve³eve keÀe
efnmmee nQ (yeer) efnmmee nQ ([er)
kegÀue mLee³eer keÀce&®eejer 30289 27446 90.61% 32335 28279 87.45%
- heg©<e 22915 20613 89.95% 24522 21308 86.69%
- ceefnuee 7374 6833 92.66% 7813 6971 89.22%
9. keÀce&®eeefj³eeW SJeb keÀee|cekeÀeW kesÀ keÀe³e& efve<heeove Deewj keÀefj³ej kesÀ efJekeÀeme efkeÀ meceer#ee keÀe efJeJejCe
ÞesCeer efJeÊeer³e Je<e& 2021-22* Jele&ceeve efJeÊeer³e Je<e& efJeÊeer³e Je<e& 2020-21* efheíuee efJeÊeer³e Je<e&
kegÀue (S)* mebK³ee (yeer) %(yeer/ S) kegÀue (S)* mebK³ee (yeer) %(yeer/ S)
heg©<e 12322 4775 38.75 12653 10700 84.56
ceefnuee 3926 1590 40.49 3912 3354 85.74
kegÀue 16248 6365 39.17 16565 14054 84.84
* GhejesÊeÀ DeebkeÀæ[s kesÀJeue DeefOekeÀeefj³eeW keÀce&®eeefj³eeW kesÀ mebyebOe ceW nQ pewmes efkeÀ heerSceSme yeQkeÀ kesÀ DeefOekeÀeefj³eeW keÀce&®eeefj³eeW hej ueeiet neslee nw
10. mJeemL³e Deewj megj#ee he´yebOeve he´Ceeueer :
S. ke̳ee mebmLee Üeje J³eeJemeeef³ekeÀ mJeemL³e Deewj megj#ee he´yebOeve he´Ceeueer ueeiet keÀer ieF& nw? (neb / veneR). ³eefo neB, lees Fme lejn keÀer J³eJemLee keÀer keÀJejspe?
J³eJemee³e keÀer he´ke=Àefle kesÀ keÀejCe keÀesF& J³eeJemeeef³ekeÀ mJeemL³e Deewj megj#ee peesefKece veneR nw.
keÀesefJe[-19 kesÀ ceneceejer kesÀ keÀejCe, mJeemL³e Deewj megj#ee kesÀ cegÎs keÀce&®eeefj³eeW SJeb DeeieblegkeÀeW oesveeW kesÀ efueS meJeexheefj nes ieS,
keÀe³ee&ue³e heefjmej ceW Deewj HeÀeru[ keÀce&®eeefj³eeW kesÀ efueS, ìerkeÀekeÀjCe Ke®e& keÀer he´eflehete|le,keÀesefJe[-19 keÀes mecee|hele SkeÀ Dee@veueeFve
mene³elee heesì&ue Deeefo pewmeer megefJeOeeSb mLeeefhele keÀer ieF¥.
yeer. keÀe³e& mes mebyebefOele peesefKeceeW keÀer hen®eeve keÀjves Deewj mebmLee Üeje efve³eefcele SJeb iewj-efve³eefcele DeeOeej hej peesefKeceeW keÀe DeekeÀueve keÀjves kesÀ efueS keÀewve
meer he´ef¬eÀ³eeSb Fmlesceeue keÀer peeleer nQ?
J³eJemee³e keÀer he´ke=Àefle osKeles ngS, ³en meerOes ueeiet veneR neslee nw. neueebefkeÀ, keÀesefJe[-19 ceneceejer kesÀ heefjhe´s#³e ceW nceejs yeQkeÀ ves keÀe³ee&ue³e
heefjmej ceW mebYeeefJele meb¬eÀceCe kesÀ peesefKeceeW keÀer hen®eeve keÀer nw. Fve peesefKeceeW keÀes keÀce keÀjves kesÀ efueS, yeQkeÀ ves keÀe³ee&ue³eeW ceW DeeJeM³ekeÀ
meeJeOeeveer yejleer, efpemeceW meYeer keÀe³ee&ue³e heefjmejeW keÀer efve³eefcele meHeÀeF&, yee³eescesefì^keÀ mkewÀvej keÀes nìevee, Lece&ue mkewÀvej keÀer mLeehevee,
owefvekeÀ meb®eej Dehe[sì, meeceev³e #es$eeW ceW DeeJeepeener hej he´efleyebOe, Deewj meeceev³e kewÀvìerve megefJeOeeDeeW keÀes yebo keÀjvee Deewj DeefOekeÀ
J³eefÊeÀDeeW kesÀ keÀe³e&¬eÀceeW keÀes ve keÀjvee Meeefceue Lee.
yeQkeÀ ves mece³e-mece³e hej peejer efkeÀS ieS meYeer mejkeÀejer efveoxMeeW Deewj hejeceMeeX keÀe Yeer meKleer mes heeueve efkeÀ³ee. efoJ³eebie keÀce&®eeefj³eeW,
ieYe&Jeleer ceefnuee keÀce&®eeefj³eeW keÀes Iej mes keÀece keÀjves keÀer meueen oer ieF&. he´MeemeefvekeÀ keÀe³ee&ue³eeW kesÀ keÀce&®eeefj³eeW keÀes Yeer GvekeÀer megj#ee
Deewj keÀejesJeej ceW efvejvlejlee megefveeq½ele keÀjves kesÀ efueS jesìsMeveue DeeOeej hej keÀece keÀjves keÀer meueen oer ieF&.
meer. ke̳ee DeehekesÀ heeme keÀeceieejeW kesÀ efueS keÀe³e& mebyebOeer peesefKeceeW keÀer efjheesì& keÀjves Deewj mJe³eb keÀes Ssmes peesefKeceeW mes ye®eeves keÀer he´ef¬eÀ³ee nw? (neB/veneR)
J³eJemee³e keÀer he´ke=Àefle keÀes osKeles ngS, ³en meerOes ueeiet veneR neslee nw. neueebefkeÀ, keÀesefJe[-19 ceneceejer kesÀ heefjhe´s#³e ceW, keÀe³e&mLeue hej
keÀce&®eeefj³eeW keÀer megj#ee mes mecePeewlee ve nes, ³en megefveeq½ele keÀjves kesÀ efueS yeQkeÀ kesÀ heeme DeeJeM³ekeÀ he´esìeskeÀe@ue Deewj he´Ceeefue³eeB nQ. meYeer
keÀce&®eeefj³eeW Deewj GvekesÀ heefjJeejeW keÀes ìerkeÀe ueieJeeves keÀe Deeie´n keÀjves kesÀ he´³eeme ceW meYeer he´MeemeefvekeÀ keÀe³ee&ue³eeW ves Deheves keÀce&®eeefj³eeW
Deewj DeeefÞeleeW kesÀ efueS ìerkeÀekeÀjCe efMeefJejeW keÀe Dee³eespeve efkeÀS Les. keÀce&®eeefj³eeW Deewj GvekesÀ DeeefÞeleeW keÀes ìerkesÀ keÀer ueeiele keÀer
he´eflehete|le Yeer he´oeve keÀer nw ieF&.
[er. ke̳ee mebmLee kesÀ keÀce&®eeefj³eeW/ keÀee|cekeÀeW keÀer iewj-J³eeJemeeef³ekeÀ ef®eefkeÀlmee Deewj mJeemL³e mesJeeDeeW lekeÀ hengB®e nw? (neB / veneR)
yeQkeÀ kesÀ meYeer keÀce&®eejer DeeF&yeerS Üeje heefjkeÀequhele mecetn mJeemL³e yeercee hee@efuemeer kesÀ Debleie&le Deeles nQ. yeercee jeefMe kesÀ Thej Deewj
DeefOekeÀ J³e³e Yeer GheueyOelee Deewj FmekeÀer MeleeX kesÀ DeOeerve keÀe@heexjsì yeHeÀj kesÀ lenle keÀJej efkeÀS peeles nQ.
jCeefveleer
keÀeceieej Metv³e Metv³e
G®®e heefjCeece keÀe³e& – mebyebefOele ³ee Kejeye mJeemL³e (ce=l³eg keÀes íesæ[keÀj) keÀce&®eejer Metv³e Metv³e
keÀeceieej Metv³e Metv³e
12. SkeÀ megjef#ele Deewj mJemL³e keÀe³e&mLeue megefveeq½ele keÀjves kesÀ efueS mebmLee Üeje efkeÀS ieS Ghee³eeW keÀe JeCe&ve keÀjW.
yeQkeÀ kesÀ meYeer keÀce&®eeefj³eeW keÀes DeeF&yeerS Üeje heefjkeÀequhele mecetn mJeemL³e yeercee hee@efuemeer kesÀ lenle keÀJej efkeÀ³ee peelee nw. ³eefo meercee meceehle
nes peeleer nw, lees 10JeW efÜhe#eer³e mecePeewles kesÀ he´eJeOeeveeW kesÀ lenle heefjYeeef<ele keÀe@heexjsì yeHeÀj keÀer Yeer megefJeOee nw.
[îetìer kesÀ oewjeve ueieer ®eesìeW kesÀ ceeceues ceW, ef®eefkeÀlmee yeercee ³eespevee kesÀ lenle keÀJej veneR efkeÀS ieS Dev³e meYeer Ke®e& yeQkeÀ Üeje Jenve efkeÀS
peeles nQ. Ssmes keÀce&®eeefj³eeW keÀes Demheleeue ceW Yeleea nesves keÀer DeJeefOe kesÀ oewjeve efJeMes<e DeJekeÀeMe Yeer he´oeve efkeÀ³ee peelee nw.
keÀesefJe[-19 kesÀ he´meej keÀes jeskeÀves kesÀ efueS, yeQkeÀ ves Deheveer meYeer MeeKeeDeeW / keÀe³ee&ue³eeW ceW DeeJeM³ekeÀ meeJeOeeveer yejleer, efpemeceW mesefveìeF&pesmeve
met®evee
keÀer megefJeOee, meeceeefpekeÀ otjer, Lece&ue mkewÀvej keÀer mLeehevee, yee³eescesefì^keÀ mkewÀvej keÀes nìevee Deeefo Meeefceue Les. yeQkeÀ kesÀ keÀce&®eeefj³eeW keÀes
mece³e-mece³e hej efJemle=le ceevekeÀ heefj®eeueve he´ef¬eÀ³eeSb Deewj efoMee-efveoxMe/ hejeceMe& peejer efkeÀ³es ie³es Les. yeQkeÀ ves keÀesefJe[-19 mes mebyebefOele
mejkeÀej/mLeeveer³e DeefOekeÀeefj³eeW Üeje peejer efveoxMeeW keÀe meKleer mes heeueve efkeÀ³ee.
13. keÀce&®eeefj³eeW Deewj keÀee|cekeÀeW Üeje efvecveefueefKele hej keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee:
efjheesì&
mJeemL³e SJeb megj#ee Metv³e Metv³e Metv³e Metv³e Metv³e Metv³e
14. Je<e&Yej keÀe DeekeÀueve:
efkeÀmeer Yeer #eskeÀe/DeebkeÀe Üeje efkeÀmeer Yeer DeefOekeÀejer kesÀ oewjs keÀer Ssmeer keÀesF& Ieìvee metef®ele veneR efkeÀ³ee ie³ee.
% DeehekesÀ keÀejKeeveeW Deewj keÀe³ee&ue³eeW ceW mes, efpevekeÀe cetu³eebkeÀve
efkeÀ³ee ie³ee (mebmLee DeLeJee meebefJeefOekeÀ he´eefOekeÀjCeeW DeLeJee leermejs
he#eeW kesÀ Üeje)
mJeemL³e Deewj megj#ee kesÀ Ghee³e Metv³e
keÀe³e& keÀjves keÀer eqmLeefle Metv³e
15. megj#ee mebyebOeer IeìveeDeeW (³eefo keÀesF& nes) Deewj mJeemL³e, megj#ee kesÀ Ghee³e SJeb keÀe³e& keÀjves keÀer eqmLeefle kesÀ DeekeÀueve mes GlheVe nesves Jeeues
cenlJehetCe& peesefKeceeW/eE®eleeDeeW kesÀ meceeOeeve kesÀ efueS keÀer ieF& ³ee ®eue jner efkeÀmeer Yeer megOeejelcekeÀ keÀej&JeeF& keÀe efJeJejCe he´oeve keÀjW.
efJeÊeer³e
HeÀe³ej ef[^ue, efvekeÀemeer megj#ee, MeeKee megj#ee Deeefo mes mebyebefOele megj#ee keÀe keÀe³e& he´efMe#eCe Üeje efkeÀ³ee peelee nw. Fmemes mebyebefOele efJeJejCe
megj#ee efJeYeeie, keWÀêer³e keÀe³ee&ue³e mes he´ehle efkeÀ³ee pee mekeÀlee nw.
keÀesefJe[-19 kesÀ ceneceejer kesÀ keÀejCe, mJeemL³e Deewj megj#ee kesÀ cegÎs keÀce&®eeefj³eeW SJeb DeeieblegkeÀeW oesveeW kesÀ efueS meJeexheefj nes ieS, keÀe³ee&ue³e
heefjmej ceW Deewj HeÀeru[ keÀce&®eeefj³eeW kesÀ efueS, ìerkeÀekeÀjCe Ke®e& keÀer he´eflehete|le, keÀesefJe[-19 keÀes mecee|hele SkeÀ Dee@veueeFve mene³elee heesì&ue
Deeefo pewmeer megefJeOeeSb mLeeefhele keÀer ieF¥.
vesle=lJe mebkesÀlekeÀ
1. ke̳ee mebmLee (S) keÀce&®eeefj³eeW keÀer ce=l³eg keÀer eqmLeefle ceW efkeÀmeer Yeer peerJeve yeercee ³ee efkeÀmeer #eeflehete|le hewkesÀpe keÀe efJemleej keÀjleer nw? (neB/veneR) – neB,
ce=l³eg keÀer met®evee hej yeQkeÀ lelkeÀeue ce=lekeÀ kesÀ heefjJeej keÀes Debeflece mebmkeÀej kesÀ Ke®e& kesÀ ªhe ceW 30000/-jeefMe he´oeve keÀjlee nw. FmekesÀ DeueeJee, yeQkeÀ
DevegkebÀhee efve³egefÊeÀ veerefle kesÀ efve³eceeW SJeb MeleeX kesÀ Devegmeej ce=lekeÀ keÀce&®eejer kesÀ peerJeve meeLeer/DeeefÞele keÀes DevegkebÀhee efve³egefÊeÀ os mekeÀlee nw. mesJeevle
ueeYe pewmes YeefJe<³e efveefOe, ie´s®³egìer, DeJekeÀeMe vekeÀoerkeÀjCe Deeefo he´eLeefcekeÀlee kesÀ DeeOeej hej efveheìeS peeles nQ. yeQkeÀ Ssmes efJekeÀuheeW keÀe he´³eesie keÀjves
ceW heefjJeej keÀer mene³elee keÀjlee nw.
(keÀeceieej)(neB/veneR). – ueeiet veneR
Jeeef<e&keÀ efjheesì& 2021-22 145
J³eJemeeef³ekeÀ GÊejoeef³elJe SJeb mLeeef³elJe efjheesì&
peejer
2. mebmLee Üeje ³en megefveeq½ele keÀjves kesÀ efueS efkeÀ Deee|LekeÀ efnle YeeieeroejeW Üeje JewOeeefvekeÀ os³e jeefMe keÀeì ueer ieF& nw Deewj pecee keÀj oer ieF& nw, efkeÀS ieS
Ghee³eeW keÀe JeCe&ve keÀjW.
ueeiet veneR
3. Ssmes keÀce&®eeefj³eeW/keÀee|cekeÀeW keÀer mebK³ee he´oeve keÀjvee, efpevnW keÀe³e& mes mebyebefOele ogIe&ìvee / DemJemLelee/ce=l³eg keÀe meecevee keÀjvee heæ[ jne nw (pewmee efkeÀ
GhejesÊeÀ DeeJeM³ekeÀ mebkesÀlekeÀeW keÀes ke̳et 11 ceW megef®ele efkeÀ³ee ie³ee nw), efpevekeÀe hegveJee&me efkeÀ³ee ie³ee nw Deewj Ghe³egÊeÀ jespeieej efo³ee ie³ee nw ³ee efpevekesÀ
heefjJeej kesÀ meom³eeW keÀes Ghe³egÊeÀ jespeieej efo³ee ie³ee nw.
Kejeye mJeemL³e/®eesì mes mebyebefOele DeebkeÀæ[eW keÀe jKejKeeJe veneR efkeÀ³ee peelee nw, ke̳eeWefkeÀ Fmemes nesves Jeeues efkeÀmeer Yeer Ke®e& keÀe efveheìeve
mecetn mJeemL³e yeercee ³eespevee kesÀ lenle efkeÀ³ee peelee nw.
he´YeeefJele keÀce&®eeefj³eeW/keÀeceieejeW keÀer kegÀue mebK³ee Ssmes keÀce&®eeefj³eeW/ keÀeceieejeW keÀer mebK³ee pees Gef®ele
jespeieej ceW hegveJee&me efkeÀ³ee ie³ee nes ³ee efpevekesÀ heefjJeej
kesÀ meom³eeW keÀes Ghe³egÊeÀ jespeieej he´oeve efkeÀ³ee ie³ee nes
efJeÊeer³e Je<e& 2021-22 efJeÊeer³e Je<e& 2020-21 efJeÊeer³e Je<e& 2021-22 efJeÊeer³e Je<e& 2020-21
keÀce&®eejer Metv³e Metv³e Metv³e Metv³e
keÀeceieejeW ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
4. ke̳ee mebmLee efvejblej jespeieej hejkeÀ ³eesi³elee Deewj mesJeeefveJe=efÊe ³ee jespeieej keÀer meceeeqhle kesÀ heefjCeecemJeªhe kewÀefj³ej kesÀ meceeheve kesÀ he´yebOeve keÀes
megefJeOeepevekeÀ yeveeves kesÀ efueS mene³elee keÀe³e&¬eÀce GheueyOe keÀjJeeleer nw?- veneR
5. Deee|LekeÀ efnle YeeieerojeW kesÀ cetu³eebkeÀve keÀe efJeJejCe:
Deee|LekeÀ efnle YeeieerojeW keÀe % (Ssmes YeeieeroejeW kesÀ meeLe efkeÀS
ieS J³eeheej kesÀ Jewu³et kesÀ DeeOeej hej) efpevekeÀe cetu³eebkeÀve efkeÀ³ee
ie³ee
mJeemL³e SJeb megj#ee kesÀ Ghee³e ueeiet veneR
keÀe³e&-oMee ueeiet veneR
6. mJeemL³e Deewj megj#ee kesÀ Ghee³eeW keÀe cetu³eebkeÀve Deewj Deee|LekeÀ efnle YeeieerojeW keÀer keÀe³e&-oMee mes GlheVe cenlJehetCe& peesefKeceeW / eE®eleeDeeW kesÀ meceeOeeve
kesÀ efueS keÀer ieF& ³ee ®eue jner efkeÀmeer Yeer megOeejelcekeÀ keÀej&JeeF& keÀe efJeJejCe oW. ueeiet veneR
efme×eble4: J³eJemee³eeW keÀes Deheves meYeer efnleOeejkeÀeW kesÀ efnleeW keÀe mecceeve keÀjvee ®eeefnS SJeb GvekesÀ he´efle GÊejoe³eer nesvee ®eeefnS
DeeJeM³ekeÀ mebkesÀlekeÀ
1. mebmLee kesÀ he´cegKe efnleOeejkeÀ mecetneW keÀer hen®eeve kesÀ efueS he´ef¬eÀ³eeDeeW keÀe JeCe&ve keÀjW.
Ssmes mecetneW keÀer hen®eeve keÀjves kesÀ efueS keÀesF& efJeefMeä he´ef¬eÀ³ee veneR nw, neueebefkeÀ, pees ueesie nceejs yeQeEkeÀie Glheeo ³ee mesJeeDeeW keÀe ueeYe Gþe jns nQ, efpeveceW
keÀce&®eejer Deewj Mes³ejOeejkeÀ Meeefceue nQ, GvnW efnleOeejkeÀ ceevee peelee nw.
2. DeehekeÀer mebmLee nsleg cenlJehetCe& efnleOeejkeÀ mecetneW keÀer met®eer Deewj he´l³eskeÀ efnleOeejkeÀ mecetn kesÀ meeLe pegæ[eJe keÀer DeeJe=efÊe.
efnleOeejkeÀ mecetn ke̳ee keÀcepeesj meb®eej kesÀ ceeO³ece (F&-cesue, SmeSceSme, pegæ[eJe keÀer DeeJe=efÊe (Jeee|<ekeÀ/ Fme lejn kesÀ pegæ[eJe kesÀ oewjeve
Deewj meerceeble mecee®eejhe$e, he®ex, efJe%eeheve, meecegoeef³ekeÀ íceener/ $ewceeefmekeÀ/Dev³e) – he´cegKe efJe<e³eeW Deewj eE®eleeDeeW
mecetn kesÀ ªhe ceW yewþkeÀ,met®eveeheÆ JesyemeeF&ì), Dev³e ke=Àhe³ee efvee|oä keÀjW) meefnle menYeeefielee keÀe GÎsM³e
hen®eeve keÀer ieF& Deewj oe³eje
nw (neb/veneR)
keÀce&®eejer veneR F&cesue, SmeSceSme, mecee®eej he$e efJe%eeheve, yeej-yeej Deewj DeeJeM³ekeÀlee -
veesefìme yees[&, JesyemeeFì, Jeee|<ekeÀ Deece DeeOeeefjle
yewþkeÀ, mìe@keÀ SkeÌme®eWpeeW keÀes met®evee,
Jeee|<ekeÀ/efleceener efJeÊeer³e Deewj efveJesMekeÀ
yewþkeÀeW/meccesueve
Mes³ejOeejkeÀ veneR F&cesue , SmeSceSme, DeKeyeej efJe%eeheve, yeej-yeej Deewj DeeJeM³ekeÀlee yeQkeÀ kesÀ efJekeÀeme kesÀ efueS
veesefìme yees[&, JesyemeeFì, Jeee|<ekeÀ meeceev³e DeeOeeefjle Dehe[sìs[ jnvee
yewþkeWÀ, mìe@keÀ SkeÌme®eWpeeW keÀes met®evee,
Jeee|<ekeÀ / $ewceeefmekeÀ efJeÊeer³e Deewj efveJesMekeÀ
yewþkeWÀ/ meccesueveeW
ie´enkeÀ veneR he$e, F&cesue, yewþkeWÀ yeej-yeej Deewj DeeJeM³ekeÀlee yesnlej mesJeeSB Deewj ceekexÀeEìie
DeeOeeefjle
®ewveue Yeeieeroej Deewj ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
he´cegKe Yeeieeroej
Yeejleer³e efjpeJe& yeQkeÀ veneR he$e, F&cesue, yewþkeWÀ he$e, F&cesue kesÀ ceeO³ece mes • yeQkeÀ keÀe he´oMe&ve
efve³eefcele DeeOeej hej pegæ[les
nw. yewþkeWÀ ceeefmekeÀ/efÜ- • p eesefKece Deewj Devegheeueve kesÀ
ceeefmekeÀ/$ewceeefmekeÀ DeeOeej hej cegÎs Deewj FmekeÀes keÀce keÀjves
³ee peye Yeer DeeJeM³ekeÀ nes, kesÀ efueS efkeÀS ieS Ghee³e.
Dee³eesefpele keÀer peeleer nQ
jCeefveleer
Yeejle mejkeÀej veneR he$e, F&cesue, yewþkeWÀ he$e, F&cesue kesÀ ceeO³ece mes • yeQkeÀ keÀe he´oMe&ve
efve³eefcele ªhe mes pegæ[les nQ.
peªjle heæ[ves hej yewþkeWÀ • efve³eecekeÀ/ meebefJeefOekeÀ
nesleer nQ. efoMeeefveoxMeeW keÀe
Devegheeueve.
mecegoe³e Deewj iewj ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
mejkeÀejer mebieþve
vesle=lJe mebkesÀlekeÀ
1. Deee|LekeÀ, he³ee&JejCeer³e Deewj meeceeefpekeÀ efJe<e³eeW hej efnleOeejkeÀeW Deewj yees[& kesÀ yeer®e hejeceMe& keÀer he´ef¬eÀ³ee keÀe efJeJejCe he´oeve keÀjW ³ee ³eefo hejeceMe&
met®evee
he´l³ee³eesefpele efkeÀ³ee peelee nw lees yees[& keÀes Fme lejn kesÀ hejeceMe& mes HeÀer[yewkeÀ kewÀmes he´oeve efkeÀ³ee peelee nw.
efJeefYeVe yewþkeÀeW kesÀ ceeO³ece mes efJeefYeVe Deee|LekeÀ Deewj Dev³e efJe<e³eeW hej efnleOeejkeÀeW Deewj yeQkeÀ kesÀ yeer®e hejeceMe& neslee nw.
2. ke̳ee efnleOeejkeÀ hejeceMe& keÀe Ghe³eesie he³ee&JejCe, Deewj meeceeefpekeÀ efJe<e³eeW keÀer hen®eeve Deewj he´yebOeve keÀe meceLe&ve keÀjves kesÀ efueS efkeÀ³ee peelee nw (neb /veneR).
³eefo neb, lees Ssmes GoenjCeeW keÀe efJeJejCe he´oeve keÀjW efkeÀ kewÀmes Fve efJe<e³eeW hej efnleOeejkeÀeW mes he´ehle met®eveeDeeW keÀes mebmLee keÀer veerefle³eeW Deewj ieefleefJeefOe³eeW
ceW Meeefceue efkeÀ³ee ie³ee Lee.
peneb Yeer mebYeJe nes, Mes³ejOeejkeÀeW keÀer met®evee Deewj megPeeJeeW keÀes veerefle³eeW Deewj ieefleefJeefOe³eeW ceW Meeefceue efkeÀ³ee pee jne nw.
3. keÀcepeesj/meerceeble efnleOeejkeÀ mecetneW keÀer mecem³eeDeeW keÀes otj keÀjves kesÀ efueS Gvemes pegæ[ves kesÀ GoenjCeeW Deewj GvekesÀ efueS keÀer ieF& keÀej&JeeF³eeW keÀe efJeJejCe
he´oeve keÀjW.
ueeiet veneR
efjheesì&
efme×eble 5 J³eJemee³eeW keÀes ceeveJeeefOekeÀejeW keÀe mecceeve keÀjvee ®eeefnS Deewj GvnW yeæ{eJee osvee ®eeefnS .
DeeJeM³ekeÀ mebkesÀlekeÀ
1. efvecveefueefKele he´eªhe ceW keÀce&®eejer Deewj keÀeceieej efpevnW ceeveJe DeefOekeÀejeW kesÀ cegÎeW Deewj mebmLee keÀer veerefle(³eeW)hej he´efMe#eCe he´oeve efkeÀ³ee ie³ee nw:
mebJeie& efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊe Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊe Je<e&
kegÀue (S) keÀJej efkeÀS ieS % (yeer/S) kegÀue (meer) keÀJej efkeÀS ieS % ([er/meer)
keÀce&®eejer Deewj keÀce&®eejer Deewj
keÀeceieej (yeer) keÀeceieej ([er)
keÀce&®eejer
efJeÊeer³e
ce]peotj
mLee³eer ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
mLee³eer kesÀ DeefleefjÊeÀ ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
kegÀue keÀce&®eejer ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
2. keÀce&®eeefj³eeW Deewj ÞeefcekeÀeW keÀes Yegieleeve keÀer ieF& v³etvelece cepeotjer keÀe efJeJejCe efvecveefueefKele he´eªhe ceW:
mebJeie& efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊe Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊe Je<e&
kegÀue (S) keÀJej efkeÀS ieS % (yeer/S) kegÀue (meer) keÀJej efkeÀS ieS % ([er/meer)
keÀce&®eejer Deewj keÀce&®eejer Deewj
keÀeceieej (yeer) keÀeceieej ([er)
keÀce&®eejer
mLee³eer 30289 30289 100% 32335 32335 100%
heg©<e 22915 22915 100% 24522 24522 100%
ceefnuee 7374 7374 100% 7813 7813 100%
mLee³eer kesÀ DeefleefjÊeÀ ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
heg©<e ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
ceefnuee ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
6. keÀce&®eeefj³eeW Deewj keÀeceieejeW Üeje efvecveefueefKele hej keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee:
efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊeer³e Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊeer³e Je<e&
Je<e& kesÀ oewjeve Je<ee¥le ceW efìhheCeer Je<e& kesÀ oewjeve Je<ee¥le ceW efìhheCeer
oe³ej meceeOeeve nsleg oe³ej meceeOeeve nsleg
ueefcyele ueefcyele
³eesve Glheeræ[ve 12 6 2 2 efJeÊe Je<e& 2021-
22 ceW efveheìeF& ieS
efMekeÀe³eleW
keÀe³e&mLeue hej YesoYeeJe 0 0 0 0 0 0
yeeue ÞeefcekeÀ 0 0 0 0 0 0
efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊeer³e Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊeer³e Je<e&
Je<e& kesÀ oewjeve Je<ee¥le ceW efìhheCeer Je<e& kesÀ oewjeve Je<ee¥le ceW efìhheCeer
oe³ej meceeOeeve nsleg oe³ej meceeOeeve nsleg
ueefcyele ueefcyele
YeÊes 0 0 0 0 0 0
Dev³e
ceeveJeeefOekeÀej
mebyebOeer efJe<e³e 0 0 0 0 0 0
jCeefveleer
7. YesoYeeJe Deewj Glheeræ[ve kesÀ ceeceueeW ceW efMekeÀe³elekeÀlee& keÀes he´efleketÀue heefjCeeceeW mes ye®eeves kesÀ efueS leb$e.
³eewve Glheer[ve efveJeejkeÀ (hee@Me) DeefOeefve³ece, 2013 kesÀ he´eJeOeeveeW kesÀ lenle meYeer #es$eer³e keÀe³ee&ue³eeW Deewj Deeb®eefuekeÀ keÀe³ee&ue³eeW ceW meefceefle keÀe ieþve efkeÀ³ee
ie³ee nw.
8. ke̳ee ceeveJeeefOekeÀej Dehes#ee³eW DeehekesÀ J³eeheej mecePeewleeW Deewj DevegyebOeeW keÀe efnmmee nQ? neB
9. Je<e& nsleg cetu³eebkeÀve :
आपके कारखानों एवं कार्यालयों का % जिनका मूल्यांकन किया गया
(सं स्था अथवा वैधानिक प्राधिकरण या तृतीय पक्ष द्वारा)
yeeue ÞeefcekeÀ efvejbkeÀ
met®evee
peyejve / Deefve®ígkeÀ ÞeefcekeÀ efvejbkeÀ
³eewve Glheeræ[ve efvejbkeÀ
keÀe³e&mLeue hej YesoYeeJe efvejbkeÀ
YeÊes efvejbkeÀ
Dev³e - ke=Àhe³ee mhe<ì keÀjsb efvejbkeÀ
vesle=lJe mebkesÀlekeÀ
1. ceeveJeeefOekeÀej mecem³eeDeeW / efMekeÀe³eleeW kesÀ meceeOeeve keÀjves kesÀ heefjCeecemJeªhe mebMeesefOele/he´ejbYe keÀer pee jner J³eeJemeeef³ekeÀ he´ef¬eÀ³ee keÀe efJeJejCe.
ceeveJeeefOekeÀej mecem³eeDeeW / efMekeÀe³eleeW kesÀ lenle keÀesF& efMekeÀe³ele he´ehle veneR ngF& nw.
efjheesì&
2. efkeÀS ieS efkeÀmeer Yeer ceeveJeeefOekeÀej kesÀ yeejs ceW Gef®ele meeJeOeeveer yejleves kesÀ oe³ejs Deewj keÀJejspe keÀe efJeJejCe.
yeQkeÀ meYeer mìeHeÀ meom³eeW keÀes SkeÀ megjef#ele JeeleeJejCe he´oeve keÀjves meefnle meceeve DeJemej he´oeve keÀjves keÀe he´³eeme keÀjlee nw. eEueie, jeä^er³elee, Oece&,
efJekeÀueebielee, Yee<ee Deeefo kesÀ DeeOeej hej YesoYeeJe mes mebyebefOele cegÎs yeQkeÀ keÀer veerefle³eeW Deewj he´eJeOeeveeW kesÀ Devegmeej Ieìvee keÀer he´ke=Àefle kesÀ DeeOeej hej mJeleb$e
Deewj leìmLe peeb®e kesÀ DeOeerve nQ,Deewj yeQkeÀ keÀer efve³eecekeÀ MeleeX Deewj ueeiet efve³eceeW kesÀ Devegmeej FvekeÀe nue efvekeÀeuee pee jne nw.
3. efoJ³eebie J³eefÊeÀ³eeW kesÀ DeefOekeÀej DeefOeefve³ece, 2016 kesÀ Devegmeej, ke̳ee mebmLee keÀe heefjmej/keÀe³ee&ue³e Deueie-Deueie efoJ³eebie DeeieblegkeÀeW kesÀ efueS megueYe
nw?
nceejs yeQkeÀ keÀer efJeefYeVe MeeKeeDeeW/keÀe³ee&ue³eeW ceW efoJ³eebie ueesieeW keÀer Deemeeve DeeJeepeener kesÀ efueS jQhe/efueHeÌì nQ. nceejer DeefOekeÀebMe MeeKeeSB/keÀe³ee&ue³e ³ee
lees Yetleue hej eqmLele nQ ³ee FveceW efJekeÀueebie J³eefÊeÀ³eeW kesÀ efueS efueHeÌì Deewj DeeOeejYetle megefJeOee nw.
4. Deee|LekeÀ efnle YeeieeroejeW kesÀ cetu³eebkeÀve hej efJeJejCe: efJeÊeer³e
आपके कारखानों एवं कार्यालयों का % जिनका मूल्यांकन किया गया
(सं स्था अथवा वैधानिक प्राधिकरण या तीसरे पक्ष द्वारा)
5. GhejesÊeÀ he´Mve 4 ceW cetu³eebkeÀveeW mes GlheVe nesves Jeeues cenlJehetCe& peesefKeceeW/mecem³eeDeeW keÀes otj keÀjves kesÀ efueS keÀer ieF& ³ee ®eue jner efkeÀmeer Yeer megOeejelcekeÀ
keÀej&JeeF& keÀe efJeJejCe he´oeve keÀjW. - ueeiet veneR
efme×eble 6: J³eJemee³eeW keÀes he³ee&JejCe keÀe mecceeve keÀjvee ®eeefnS Deewj GmekesÀ mebj#eCe SJeb hegvemLee&efhele keÀjves keÀe he´³eeme keÀjvee ®eeefnS
DeeJeM³ekeÀ mebkesÀlekeÀ
1. kegÀue Tpee& Kehele keÀe efJeJejCe (petue ³ee iegCekeÀeW ceW) Deewj Tpee& IevelJe efvecveefueefKele he´eªhe ceW :
ceeheob[ efJeÊe Je<e& 2021-22 efJeÊe Je<e& 2020-21
Jele&ceeve efJeÊeer³e Je<e& efheíuee efJeÊeer³e Je<e&
kegÀue efyepeueer Kehele (S) 597.03 ueeKe efkeÀueesJeeì 598.06 ueeKe efkeÀueesJeeì
kegÀue F¥Oeve Kehele (yeer) Metv³e Metv³e
Dev³e ñeesleeW kesÀ ceeO³ece mes Tpee& keÀer Kehele (meer) Metv³e Metv³e
kegÀue Tpee& Kehele (S+yeer+meer) 597.03 ueeKe efkeÀueesJeeì 598.06 ueeKe efkeÀueesJeeì
ìve&DeesJej kesÀ he´efle ©he³ee Tpee& IevelJe (kegÀue efyepeueer keÀer Kehele / ìve&DeesJej ueeiet veneR ueeiet veneR
©he³es ceW)
2. ke̳ee FkeÀeF& kesÀ heeme Yeejle mejkeÀej keÀer he´oMe&ve, GheueeqyOe Deewj J³eeheej (heerSìer) ³eespevee kesÀ lenle veeefcele GheYeesÊeÀeDeeW ([ermeer) kesÀ ªhe ceW hen®eeve keÀer
ieF& keÀesF& meeFì/megefJeOeeSb nQ? (neb / veneR) ³eefo neb, lees yeleeSb efkeÀ ke̳ee heerSìer ³eespevee kesÀ lenle efveOee&efjle ue#³e neefmeue efkeÀS ieS nQ. ³eefo ue#³e he´ehle
veneR efkeÀ³ee ie³ee nw, lees keÀer ieF& Ghe®eejelcekeÀ keÀej&JeeF&, ³eefo keÀesF& nes, he´oeve keÀjW. veneR
3. heeveer mes mebyebefOele efvecveefueefKele he´keÀìve keÀe efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW:
yeQkeÀ Üeje heeveer keÀe Ghe³eesie kesÀJeue ceeveJe GheYeesie GÎsM³eeW lekeÀ ner meerefcele nw. keÀe³ee&ue³e heefjmej ceW heeveer keÀe efJeJeskeÀhetCe& Ghe³eesie
megefveeq½ele keÀjves kesÀ he´³eeme efkeÀS ieS nQ. efveiece ³en megefveeq½ele keÀjlee nw efkeÀ keÀe³ee&ue³eeW Deewj MeeKeeDeeW mes Iejsuet DeheefMeä (meerJespe) keÀes
peue efvekeÀe³eeW ceW ve peeves efo³ee peeS.
4. ke̳ee FkeÀeF& ves Metv³e lejue efJekeÀeme kesÀ efueS keÀesF& leb$e ueeiet efkeÀ³ee nw` ³eefo neb, lees FmekesÀ J³eeeqhle Deewj keÀe³ee&vJe³eve keÀe y³eewje oW.
veneR
5. ke=Àhe³ee FkeÀeF& Üeje Jee³eg Glmepe&ve (peerS®epeer Glmepe&ve kesÀ DeueeJee) keÀe efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW: ueeiet veneR
6. ie´erveneGme iewme Glmepe&ve (Glmepe&ve mkeÀeshe 1 Deewj mkeÀeshe 2) Deewj FmekeÀer meIevelee keÀe efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW: ueeiet veneR
7. ke̳ee FkeÀeF& kesÀ heeme ie´erve neGme iewme Glmepe&ve keÀes keÀce keÀjves mes mebyebefOele keÀesF& heefj³eespevee nw? ³eefo neb, lees efJeJejCe oW. ueeiet veneR
8. FkeÀeF& Üeje DeheefMeä he´yebOeve mes mebyebefOele efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW:
ceeheob[ efJeÊe Je<e& 2021-22 efJeÊe Je<e& 2020-21
Jele&ceeve efJeÊeer³e Je<e& efheíuee efJeÊeer³e Je<e&
kegÀue DeheefMe<ì Glhevve
hueeeqmìkeÀ keÀ®eje (S)
F&-DeheefMeä (yeer)(` ueeKe ceW)** * *
pewJe ef®eefkeÀlmee DeheefMeä (meer) 806.55 759.25
efvecee&Ce Deewj efJeOJebme DeheefMeä ([er) ueeiet veneR ueeiet veneR
yewìjer DeheefMeä (F&)
jsef[³eesOeceea DeheefMeä (SHeÀ)
Dev³e KelejveekeÀ DeheefMeä. ke=Àhe³ee efvee|oä keÀjW, ³eefo keÀesF& nes. (peer)
Dev³e iewj-KelejveekeÀ DeheefMeä GlheVe (S®e). ke=Àhe³ee efvee|oä keÀjW, ³eefo keÀesF&
nes. (mebj®evee kesÀ DeeOeej hej ye´skeÀ-Dehe DeLee&le #es$e mes mebyebefOele meeceefie´³eeW ceW)
kegÀue (S+yeer+meer+[er+F&+SHeÀ+peer+S®e) 806.55 759.25
* DeefOeke=Àle hegvee|Je¬esÀleeDeeW kesÀ ceeO³ece mes keÀ®ejs keÀe efveheìeve efkeÀ³ee peelee nw.
** Jepeve kesÀ efnmeeye mes DeebkeÀæ[s GheueyOe veneR nQ.
9. Deheves he´efleÿeveeW ceW DeheveeS ieS DeheefMeä he´yebOeve he×efle³eeW keÀe meb#eshe ceW JeCe&ve keÀjW. Deheves GlheeoeW Deewj he´ef¬eÀ³eeDeeW ceW KelejveekeÀ Deewj penjerues jmee³eveeW
kesÀ Ghe³eesie keÀes keÀce keÀjves kesÀ efueS Deheveer kebÀheveer Üeje DeheveeF& ieF& jCeveerefle Deewj Ssmes keÀ®ejs kesÀ he´yebOeve kesÀ efueS DeheveeF& ieF& he×efle³eeW keÀe JeCe&ve keÀjW.
efoMeeefveoxMeeW kesÀ Devegmeej DeefOeke=Àle hegvee|Je¬esÀleeDeeW kesÀ ceeO³ece mes keÀ®ejs keÀe efveheìeve efkeÀ³ee peelee nw. Ghe³eesie efkeÀS ieS GhekeÀjCe
veJeervelece efoMeeefveoxMeeW kesÀ Devegªhe nQ. nceejs GlheeoeW ceW KelejveekeÀ Deewj penjerues jmee³eveeW keÀe keÀesF& Ghe³eesie veneR neslee nw.
10. ³eefo FkeÀeF& kesÀ heeme heeefjeqmLeeflekeÀ ªhe mes mebJesoveMeerue #es$eeW (pewmes jeä^er³e GÐeeve, Jev³epeerJe DeYe³eejC³e, yee³eesmHeÀer³ej efjpeJe&, Deeê&Yetefce, pewJe efJeefJeOelee
ne@ìmhee@ì, Jeve, leìer³e efJeefve³eceve #es$e Deeefo) ceW / kesÀ Deeme-heeme meb®eeueve / keÀe³ee&ue³e nw peneB he³ee&JeCeea³e mJeerke=Àefle / cebpetjer DeeJeM³ekeÀ nes, lees ke=Àhe³ee
jCeefveleer
efvecveefueefKele he´eªhe ceW efJeJejCe efvee|oä keÀjW: ueeiet veneR
11. ®eeuet efJeÊeer³e Je<e& ceW ueeiet keÀevetveeW kesÀ DeeOeej hej mebmLee Üeje Megª keÀer ieF& heefj³eespeveeDeeW kesÀ he³ee&JejCeer³e he´YeeJe DeekeÀueve keÀe efJeJejCe: ueeiet veneR
12. ke̳ee FkeÀeF& Yeejle ceW ueeiet he³ee&JejCe keÀevetve/efJeefve³eceeW/efoMeeefveoxMeeW keÀe Devegheeueve keÀjleer nw; pewmes peue (he´ot<eCe keÀer jeskeÀLeece Deewj efve³eb$eCe)
DeefOeefve³ece, Jee³eg (he´ot<eCe keÀer jeskeÀLeece Deewj efve³eb$eCe) DeefOeefve³ece, he³ee&JejCe mebj#eCe DeefOeefve³ece Deewj GmekesÀ lenle efve³ece (neb/veneR). ³eefo veneR, lees
Ssmes meYeer iewj-DevegheeueveeW keÀe efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW: neb
vesle=lJe mebkesÀlekeÀ
1. veJeerkeÀjCeer³e Deewj iewj-veJeerkeÀjCeer³e ñeesleeW mes Kehele keÀer ieF& kegÀue Tpee& (petue ³ee iegCekeÀeW ceW) efJeIeìve keÀe efJeJejCe efvecveefueefKele he´eªhe ceW he´oeve keÀjW:
met®evee
ceeheob[ efJeÊe Je<e& 2021-22 efJeÊe Je<e& 2020-21
Jele&ceeve efJeÊeer³e Je<e& efheíuee efJeÊeer³e Je<e&
veJeerkeÀjCeer³e ñeesleeW mes
kegÀue efyepeueer Kehele (S) Metv³e Metv³e
kegÀue F¥Oeve Kehele (yeer) Metv³e Metv³e
Dev³e ñeesleeW kesÀ ceeO³ece mes Tpee& keÀer Kehele (meer) Metv³e Metv³e
De#e³e ñeesleeW mes Kehele kegÀue Tpee& (S+yeer+meer) Metv³e Metv³e
iewj-veJeerkeÀjCeer³e ñeesleeW mes
efjheesì&
kegÀue efyepeueer Kehele ([er) 597.03 ueeKe efkeÀueesJeeì 598.06 ueeKe efkeÀueesJeeì
kegÀue F¥Oeve Kehele (F&) Metv³e Metv³e
Dev³e ñeesleeW kesÀ ceeO³ece mes Tpee& keÀer Kehele (SHeÀ) Metv³e Metv³e
veJeerkeÀjCeer³e ñeesleeW mes Kehele kegÀue Tpee& ([er+F&+SHeÀ) 597.03 ueeKe efkeÀueesJeeì 598.06 ueeKe efkeÀueesJeeì
2. ef[m®eepe& efkeÀS ieS heeveer mes mebyebefOele efvecveefueefKele efJeJejCe he´oeve keÀjW: ueeiet veneR
ceeheob[ efJeÊe Je<e& 2021-22 efJeÊe Je<e& 2020-21
Jele&ceeve efJeÊeer³e Je<e& efheíuee efJeÊeer³e Je<e&
efve³ele mLeeve Deewj Ghe®eej kesÀ mlej kesÀ Devegmeej heeveer keÀe efveJe&nve (efkeÀueesueerìj
efJeÊeer³e
ceW)
(i) melener peue
- keÀesF& Ghe®eej veneR
- Ghe®eej kesÀ meeLe - ke=Àhe³ee Ghe®eej keÀe mlej efvee|oä keÀjW
(ii) Yetpeue ueeiet veneR ueeiet veneR
- keÀesF& Ghe®eej veneR
- Ghe®eej kesÀ meeLe - ke=Àhe³ee Ghe®eej keÀe mlej efvee|oä keÀjW
(iii) Dev³e ñeesle keÀe peue
- keÀesF& Ghe®eej veneR
- Ghe®eej kesÀ meeLe - ke=Àhe³ee Ghe®eej keÀe mlej efvee|oä keÀjW
efme×eble 7 - J³eJemee³e, peye meeJe&peefvekeÀ Deewj efve³eecekeÀ veerefle keÀes he´YeeefJele keÀjves ceW mebueive nesles nQ, lees GvnW efpeccesoej Deewj heejoMeea lejerkesÀ mes
keÀe³e& keÀjvee ®eeefnS
DeeJeM³ekeÀ mebkesÀlekeÀ
1. S. J³eeheej Deewj GÐeesie ceb[ueeW / mebIeeW kesÀ meeLe mebye×lee keÀer mebK³ee- 9
yeer. Meer<e& 10 J³eeheej Deewj GÐeesie ceb[ueeW / mebIeeW (Ssmes efvekeÀe³e kesÀ kegÀue meom³eeW kesÀ DeeOeej hej efveOee&efjle) keÀer met®eer yeveeSb, pees FkeÀeF& keÀe meom³e /
mes mebye× nw.
¬eÀ. J³eeheej Deewj GÐeesie ceb[ueeW/mebIeeW keÀe veece J³eeheej Deewj GÐeesie ceb[ueeW/mebIeeW keÀer hengb®e (jep³e/
me. jeä^er³e)
1 Fbef[³eve yeQkeÀ SmeesefmeSMeve jeä^er³e
2 Yeejleer³e yeQeEkeÀie Deewj efJeÊe mebmLeeve jeä^er³e
3 yeQeEkeÀie keÀee|cekeÀ ®e³eve mebmLeeve jeä^er³e
4 jeä^er³e yeQkeÀ he´yebOeve mebmLeeve jeä^er³e
DeeJeM³ekeÀ mebkesÀlekeÀ
5 Yeejleer³e jeä^er³e Yegieleeve efveiece jeä^er³e
6 FbìjvesMeveue ®eQyej Dee@HeÀ keÀe@ceme& jeä^er³e
7 HeÀe@jsve SkeÌme®eWpe [erueme& SmeesefmeSMeve Dee@HeÀ Fbef[³ee jeä^er³e
8 efHeÀkeÌm[ FvekeÀce ceveer ceekexÀì Sb[ [sefjJesefìJme SmeesefmeSMeve jeä^er³e
9 eqkeÌue³eeEjie keÀe@heexjsMeve Dee@HeÀ Fbef[³ee efueefceìs[ jeä^er³e
jCeefveleer
2. efve³eecekeÀ he´eefOekeÀjCeeW kesÀ he´efleketÀue DeeosMeeW kesÀ DeeOeej hej FkeÀeF& Üeje he´eflemheOee&-efJejesOeer Dee®ejCe mes mebyebefOele efkeÀmeer Yeer cegÎs hej keÀer ieF& ³ee ®eue jner
megOeejelcekeÀ keÀej&JeeF& keÀe efJeJejCe he´oeve keÀjW.
ÒeeefOekeÀjCe keÀe veece ceeceues keÀe meej ke=Àle megOeejelcekeÀ keÀej&JeeF&
efvejbkeÀ
vesle=lJe mebkesÀlekeÀ
1. mebmLee Üeje mecee|Lele meeJe&peefvekeÀ veerefle heoeW keÀe efJeJejCe -
¬eÀ. meeJe&peefvekeÀ veerefle keÀer JekeÀeuele Fme lejn keÀer ke̳ee peevekeÀejer yees[& Üeje meceer#ee keÀer Jesye eEuekeÀ, ³eefo GheueyOe nes
hewjJeer kesÀ efueS meeJe&peefvekeÀ DeeJe=efÊe (Jeee|<ekeÀ/
Dehevee³ee ie³ee [escesve ceW DeOe&Jeee|<ekeÀ/ $ewceeefmekeÀ
met®evee
lejerkeÀe GheueyOe nw ` / Dev³e ke=Àhe³ee mhe<ì
(neB/ neB efvee|oä keÀjW )
1. kesÀJeeF&meer-SSceSue veerefle neB Jeee|<ekeÀ https://www.
2. centralbankofindia.
mejkeÀejer J³eeheej veerefle neB Jeee|<ekeÀ co.in/en
3. ®eskeÀ mebie´nCe veerefle neB Jeee|<ekeÀ
4. yeQkeÀ pecee hej veerefle neB Jeee|<ekeÀ
5. megjef#ele pecee ueekeÀj hej veerefle neB Jeee|<ekeÀ
6. efjkeÀe[& jKeeJe veerefle neB Jeee|<ekeÀ
efjheesì&
7. ce=lekeÀ peceekeÀlee&DeeW kesÀ oeJes kesÀ efveheìeve neB Jeee|<ekeÀ
Deewj megjef#ele pecee ueekeÀjeW megjef#ele yeQkeÀ keÀer
DeefYej#ee ceW JemlegDeeW keÀer Jeehemeer Deewj DeebleefjkeÀ efveleer
iegceMegoe J³eefÊeÀ³eeW kesÀ mebyebOe ceW oeJeeW kesÀ
efveheìeve kesÀ efueS veerefle
8. Jeefjÿ veeieefjkeÀeW/ efoJ³eebie/ De#ece neB Jeee|<ekeÀ
KeeleeOeejkeÀeW kesÀ efueS veerefle
9. cegDeeJepee veerefle neB Jeee|<ekeÀ
10. ie´enkeÀ efMekeÀe³ele efveJeejCe leb$e hej veerefle neB Jeee|<ekeÀ
efJeÊeer³e
efme×eble 8 J³eJemee³eeW keÀes meceeJesMeer efJekeÀeme Deewj meceeve efJekeÀeme keÀes ye{eJee osvee ®eeefnS
DeeJeM³ekeÀ mebkesÀlekeÀ
1. ®eeuet efJeÊe Je<e& ceW ueeiet keÀevetveeW kesÀ DeeOeej hej mebmLee Üeje Megª keÀer ieF& heefj³eespeveeDeeW kesÀ meeceeefpekeÀ he´YeeJe DeekeÀueve (SmeDeeF&S ) keÀe efJeJejCe . ueeiet
veneR
2. efvecveefueefKele he´eªhe ceW heefj³eespevee kesÀ yeejs ceW peevekeÀejer he´oeve keÀjW efpemekesÀ efueS DeehekeÀer mebmLee Üeje hegveJee&me Deewj hegvemLee&heve(Deej Sb[ Deej)keÀe³e&¬eÀce
®euee³es pee jns nw . ueeiet veneR
3. mecegoe³e keÀer efMekeÀe³eleeW heeJeleer Deewj GvekeÀe efveJeejCe keÀjves Jeeues leb$e keÀe JeCe&ve keÀjW .
4. Deehete|lekeÀlee&DeeW mes he´ehle met®evee meeceie´er keÀe he´efleMele (cee$ee kesÀ DeeOeej hej kegÀue met®eveeDeeW ceW Oeeefjle met®evee)
Ssmee keÀesF& [sìe GheueyOe veneR nw.
vesle=lJe mebkesÀlekeÀ
1. meeceeefpekeÀ he´YeeJe DeekeÀueve ceW hen®eeves ieS efkeÀmeer Yeer vekeÀejelcekeÀ meeceeefpekeÀ he´YeeJe keÀes keÀce keÀjves kesÀ efueS keÀer ieF& keÀej&JeeF³eeW keÀe efJeJejCe he´oeve keÀjW
(meboYe&: GhejesÊeÀ DeeJeM³ekeÀ mebkesÀlekeÀeW keÀe he´Mve 1): efkeÀmeer vekeÀejelcekeÀ meeceeefpekeÀ he´YeeJe keÀer met®evee veneR oer ieF& nw.
2. mejkeÀejer efvekeÀe³eeW Üeje ef®eeqvnle DeekeÀeb#eer efpeueeW ceW DeehekeÀer mebmLee Üeje Megª keÀer ieF& meerSmeDeej heefj³eespeveeDeeW hej efvecveefueefKele peevekeÀejer he´oeve keÀjW:
ueeiet veneR
3. (S) ke̳ee DeehekesÀ heeme DeefOeceev³e Kejero veerefle nw peneb Deehe meerceeble / keÀcepeesj mecetneW Jeeues Deehete|lekeÀlee&DeeW mes Kejero keÀes he´eLeefcekeÀlee osles nQ? neB
(Ke) Deehe efkeÀve meerceeble /keÀcepeesj mecetneW mes he´ehle keÀjles nQ? met#ce Deewj ueIeg GÐece
(ie) kegÀue Kejero (cetu³e kesÀ DeeOeej hej) keÀe ³en efkeÀlevee he´efleMele nw? Ssmee keÀesF& [sìe GheueyOe veneR nw
4. heejbheefjkeÀ %eeve kesÀ DeeOeej hej DeehekeÀer FkeÀeF& (®eeuet efJeÊeer³e Je<e& ceW) kesÀ mJeeefcelJe ³ee DeefOeie´efnle yeewef×keÀ mebheoe mes he´ehle Deewj meePee efkeÀS ieS ueeYeeW keÀe
efJeJejCe: GheueyOe veneR nw
5. yeewef×keÀ mebheoe mes mebyebefOele efJeJeeoeW ceW efkeÀmeer Yeer he´efleketÀue DeeosMe kesÀ DeeOeej hej keÀer ieF& ³ee ®eue jner megOeejelcekeÀ keÀej&JeeF& keÀe efJeJejCe efpemeceW heejbheefjkeÀ
%eeve keÀe Ghe³eesie Meeefceue nw. GheueyOe veneR nw
6. meerSmeDeej heefj³eespeveeDeeW kesÀ ueeYeee|Le³eeW keÀe efJeJejCe: GheueyOe veneR
efme×eble 9 J³eJemee³eeW keÀes Deheves GheYeesÊeÀeDeeW kesÀ meeLe pegæ[vee ®eeefnS Deewj efpeccesoej lejerkesÀ mes GvekeÀe mecceeve keÀjvee ®eeefnS
DeeJeM³ekeÀ mebkesÀlekeÀ
1. GheYeesÊeÀe efMekeÀe³eleeW Deewj he´efleef¬eÀ³ee keÀes he´ehle keÀjves Deewj GvekeÀe peJeeye osves kesÀ efueS leb$e keÀe JeCe&ve keÀjW.
efMekeÀe³ele efveJeejCe leb$e
yeQkeÀ keÀer peªjleeW keÀes hetje keÀjves kesÀ efueS, efMekeÀe³ele efveJeejCe leb$e ceW megOeej efkeÀ³ee ie³ee nw. efMekeÀe³ele efveJeejCe leb$e kesÀ he´l³eskeÀ mlej hej keÀle&J³eeW Deewj
efpeccesoeefj³eeW keÀes mheä ªhe mes hen®eevee Deewj heefjYeeef<ele efkeÀ³ee ie³ee nw. efMekeÀe³ele efveJeejCe he´ef¬eÀ³ee ceW lespeer ueeves kesÀ efueS, efMekeÀe³eleeW kesÀ meceeOeeve kesÀ
efueS leb$e Deewj meYeer mlejeW hej ceevekeÀ meb®eeueve he´ef¬eÀ³eeSb yeveeF& ieF& nQ.
efMekeÀe³ele efveJeejCe veerefle:
veerefle keÀe GÎsM³e Gef®ele mesJee he´oeve keÀjves Deewj meceer#ee leb$e kesÀ ceeO³ece mes ie´enkeÀeW keÀer efMekeÀe³eleeW Deewj mecem³eeDeeW kesÀ ceeceueeW keÀes keÀce keÀjvee Deewj
ie´enkeÀeW keÀer efMekeÀe³eleeW Deewj mecem³eeDeeW keÀe lJeefjle efveJeejCe megefveeq½ele keÀjvee nw. meceer#ee leb$e keÀes Glheeo Deewj mesJee osves ceW keÀefce³eeW keÀer hen®eeve keÀjves ceW
ceoo keÀjveer ®eeefnS.
JesyemeeFì hej ie´enkeÀ mene³elee efJeJejCe :-
yeQkeÀ ves Deheveer JesyemeeFì hej keÀe@ue meWìj efJeJejCe, Fbìjvesì yeQeEkeÀie kesÀ efueS nsuheueeFve vebyej, ceesyeeFue yeQeEkeÀie, ³etheerDeeF& Deewj Yeerce Sshe, SveF&SHeÀìer
osKeYeeue ìerce, heWMeve kesÀ efueS vees[ue DeefOekeÀejer, yeQeEkeÀie ueeskeÀheeue, ie´enkeÀ mesJee Deewj #es$eer³e keÀe³ee&ue³e Deewj Deeb®eefuekeÀ keÀe³ee&ue³e ceW efMekeÀe³ele efveJeejCe
vees[ue DeefOekeÀejer keÀes DeÐeleve efkeÀ³ee nw. FmekesÀ efueS JesyeeEuekeÀ efvecveevegmeej https://www.centralbankofindia.co.in/en/customer_care.
इसके अतिरिक्त, सेंट्रल बैंक ऑफ इं डिया के ग्राहक लॉगिन https://centralbankofindia.co.in/ogrs/customerloginkesÀ ceeO³ece mes Yeer
efMekeÀe³ele pee mekeÀleer nQ.
2. meYeer GlheeoeW/mesJeeDeeW kesÀ ìve&DeesJej kesÀ he´efleMele kesÀ ªhe ceW GlheeoeW Deewj/mesJeeDeeW keÀe ìve&DeesJej efpemekesÀ yeejs ceW peevekeÀejer Dehesef#ele nw:
kegÀue DeeJele& kesÀ he´efleMele kesÀ ªhe ceW
kegÀue keÀejesyeej kesÀ he´efleMele kesÀ ªhe ceW Glheeo mes mebyebefOele he³ee&JejCeer³e Deewj ueeiet veneR
meeceeefpekeÀ ceeveob[
megjef#ele Deewj mener Ghe³eesie
hegve®e&¬eÀCe Deewj/³ee megjef#ele efveheìeve
3. efvecveefueefKele kesÀ mebyebOe ceW GheYeesÊeÀe efMekeÀe³eleeW keÀer mebK³ee:
jCeefveleer
efJeÊe Je<e& 2021-22 Jele&ceeve efJeÊeer³e Je<e& efJeÊe Je<e& 2020-21 efheíuee efJeÊeer³e Je<e&
Je<e& kesÀ oewjeve meeue kesÀ Deble efìhheefCe³eeb Je<e& kesÀ oewjeve meeue kesÀ Deble efìhheefCe³eeb
oe³ej ceW uebefyele oe³ej ceW uebefyele
mebkeÀuhe mebkeÀuhe
[eìe ieesheveer³elee - - - - - -
efJe%eeheve - - - - - -
meeFyej megj#ee - - - - - -
cenlJehetCe& mesJeeSb he´oeve keÀjvee
he´efleyebOekeÀ J³eeheej he´LeeSb - - - - - -
Devegef®ele J³eeheej - - - - - -
met®evee
Dee®ejCe - - - - - -
Dev³e 183566 923 meyekeÀe 213958 4381 meyekeÀe
efveheìeve keÀj efveheìeve keÀj
efo³ee ie³ee nw efo³ee ie³ee nw
4. megj#ee cegÎeW kesÀ keÀejCe Glheeo Jeehemeer kesÀ GoenjCeeW keÀe efJeJejCe – ueeiet veneR
5. ke̳ee mebmLee kesÀ heeme meeFyej megj#ee Deewj [eìe mes mebyebefOele peesefKeceeW hej keÀesF& {eb®ee ³ee veerefle nw? (neB/veneR) ³eefo GheueyOe nw lees heeefuemeer keÀe Jewye-eEuekeÀ
he´oeve keÀjW .
neb, ®etbefkeÀ ³en SkeÀ DeebleefjkeÀ omleeJespe nw Deewj JesyemeeFì hej GheueyOe veneR nw .
efjheesì&
6. mebyebefOele cegÎeW hej keÀer ieF& ³ee ®eue jner efkeÀmeer Yeer megOeejelcekeÀ keÀej&JeeF& keÀe efJeJejCe he´oeve keÀjW efJe%eeheve Deewj DeeJeM³ekeÀ mesJeeSb osves, meeFyej megj#ee Deewj
[eìe ieesheveer³elee; ie´enkeÀ keÀer [eìe ieesheveer³elee, Glheeo Jeehemeer keÀer IeìveeDeeW keÀer hegvejeJeleea, GlheeoeW / mesJeeDeeW keÀer megj#ee hej efve³eecekeÀ he´eefOekeÀjCe Üeje
ob[ / ke=Àle keÀej&JeeF&
meeFyej megj#ee mebyebefOele cegÎeW hej keÀer ieF& megOeejelcekeÀ keÀej&JeeF³eeW ceW Meeefceue nQ:
• ef[efpeìue uesveosve kesÀ efueS 2SHeÀ S
• ie´enkeÀeW keÀes SmeSceSme
• meleke&À efveiejeveer efJeÊeer³e
vesle=lJe mebkesÀlekeÀ
1. ®ewveue/huesì]HeÀe@ce& peneb mebmLee kesÀ GlheeoeW Deewj mesJeeDeeW keÀer peevekeÀejer he´ehle keÀer pee mekeÀleer nw (³eefo GheueyOe nes lees Jesye eEuekeÀ he´oeve keÀjW).
S) JesyemeeFì https://www.centralbankofindia.co.in/en,
jCeefveleer
ceW efJeleefjle efkeÀ³ee peelee nw. ii. yeQkeÀ, yeQeEkeÀie efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 15 (pees
meerDeejSDeej: ³en yeQkeÀ keÀer hetbpeer Deewj GmekeÀer peesefKece Yeeefjle
(yeer) meYeer hetbpeeriele Ke®eeX keÀes yeÆs Keeles ceW [eues peeves lekeÀ ueeYeebMe
heefjmebheefÊe³eeW keÀe Devegheele nw. kesÀ Yegieleeve hej jeskeÀ ueieelee nw) Deewj Oeeje 17 (pees JewOeeefvekeÀ
Deejef#ele efveefOe ceW ueeYe kesÀ efvee|oä DebMe kesÀ nmleeblejCe keÀes
ueeYeebMe Yegieleeve Devegheele: `ueeYeebMe Yegieleeve Devegheele’ keÀer
(meer)
efveOee&efjle keÀjlee nw) kesÀ he´eJeOeeveeW keÀe heeueve keÀjsiee.
ieCevee SkeÀ Je<e& ceW os³e ueeYeebMe (ueeYeebMe keÀj keÀes íesæ[keÀj) kesÀ
`Je<e& kesÀ oewjeve Meg× ueeYe’ kesÀ efueS he´efleMele kesÀ ªhe ceW keÀer iii. yeQkeÀ Yeejleer³e efj]peJe& yeQkeÀ Üeje peejer he´®eefuele efJeefve³eceeW /
peeleer nw. efoMeeefveoxMeeW keÀe heeueve keÀjsiee, efpemeceW heefjmebheefÊe³eeW keÀer neefve
Deewj keÀce&®eeefj³eeW kesÀ mesJeeefveJe=efÊe ueeYeeW kesÀ efueS he³ee&hle he´eJeOeeve,
yees[&: yees[& keÀe celeueye yeQeEkeÀie kebÀheveer (Ghe¬eÀceeW keÀe DeefOeie´nCe
([er)
meebefJeefOekeÀ Òeejef#ele efveOeer ceW ueeYe keÀe nmleeblejCe Deeefo meeqcceefuele
met®evee
Deewj nmleeblejCe) DeefOeefve³ece, 1970 keÀer Oeeje 9 (3) kesÀ lenle
nQ.
ieefþle yeQkeÀ kesÀ efveosMekeÀ ceb[ue mes nw.
iv. he´mleeefJele ueeYeebMe ®eeuet Je<e& kesÀ Meg× ueeYe ceW mes os³e nesvee ®eeefnS.
II. veerefle:
v. Yeejleer³e efjpeJe& yeQkeÀ Üeje ueeYeebMe keÀer Iees<eCee kesÀ efueS yeQkeÀ hej
1. Fme veerefle keÀes `mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee ueeYeebMe efJelejCe veerefle‘
keÀesF& mheä he´efleyebOe veneR ueiee³ee ie³ee nes.
keÀne peeSiee.
IV. os³e ueeYeebMe keÀer cee$ee:
2. ueeYeebMe kesÀ efJelejCe kesÀ mebyebOe ceW yeQkeÀ kesÀ meeceev³e efme×eble:
S. Yeejle mejkeÀej kesÀ efoMee-efveoxMeeW kesÀ Devegmeej, yeQkeÀ Deheveer
yeQkeÀ kesÀ keÀe@jheesjsì ieJeveXme keÀe peesj Deheves J³eJemee³e kesÀ meb®eeueve ceW
FeqkeÌJeìer keÀe v³etvelece 20% (DeLee&le ®egkeÀlee hetbpeer) ³ee Deheves
veweflekeÀ he´LeeDeeW keÀe heeueve keÀjkesÀ Deewj he´keÀìerkeÀjCe Deewj heejoe|Melee
efjheesì&
keÀj-he½eele ueeYe keÀe 20%, pees Yeer DeefOekeÀ nes, keÀe v³etvelece
kesÀ G®®e mlej keÀes yeveeS jKeles ngS Mes³ejOeejkeÀeW kesÀ cetu³e keÀes yeæ{evee
ueeYeebMe kesÀ ªhe Yegieleeve keÀjsiee. ³eefo yeQkeÀ Debleefjce ueeYeebMe
nw. yeQkeÀ ves meJeexÊece he´LeeDeeW keÀes Dehevee³ee nw, Deewj yees[& keÀer efJeefYeVe
keÀe Yegieleeve keÀjves keÀe efveCe&³e ueslee nw, lees Jeee|<ekeÀ heefjCeeceeW kesÀ
meefceefle³eeW Üeje ieJeveXme kesÀ ceevekeÀeW keÀer efveiejeveer keÀer peeleer nw. yees[&,
DeeOeej hej yeQkeÀ Üeje Yegieleeve efkeÀ³ee peeves Jeeuee kegÀue ueeYeebMe
keÀe³e&heeuekeÀeW Deewj Dev³e heoeefOekeÀeefj³eeW ves keÀe@heexjsì ue#³eeW keÀes he´ehle
efoMeeefveoxMeeW kesÀ Devegmeej nesvee ®eeefnS.
keÀjves ceW YetefcekeÀeDeeW keÀes mheä ªhe mes efveOee&efjle efkeÀ³ee nw - yesnlej
he´oMe&ve Deewj Mes³ejOeejkeÀeW kesÀ cetu³e ceW Je=ef×. he´l³eskeÀ Je<e& kesÀ efueS FmekesÀ DeueeJee, Fve efveoxMeeW kesÀ he´eJeOeeveeW mes efkeÀmeer Yeer ítì kesÀ
meeceev³e yewþkeÀ ceW Mes³ej OeejleeW ueeYeebMe keÀer mebmlegefle yees[& Üeje Deheves efueS Yeejle mejkeÀej mes efJeefMeä hetJe& Devegceefle keÀer DeeJeM³ekeÀlee
efJeJeskeÀ mes veerefle efoMeeefveoxMeeW kesÀ Devegmeej, yeQkeÀ kesÀ efJeÊeer³e he´oMe&ve, nesleer nw.
GmekeÀer YeefJe<³e keÀer ³eespeveeDeeW, DeebleefjkeÀ Deewj yeenjer keÀejkeÀeW, yeer. neueebefkeÀ, Yeejleer³e efjpeJe& yeQkeÀ Üeje efveOee&efjle efoMeeefveoxMeeW kesÀ
efJeÊeer³e
meebefJeefOekeÀ he´efleyebOeeW Deeefo keÀes O³eeve ceW jKeles ngS keÀer peeSieer. yees[& Devegmeej, ³eefo yeQkeÀ Thej Keb[ II eEyeog mebK³ee 3 ceW efveOee&efjle
Deheves efJeJeskeÀ mes Debleefjce ueeYeebMe keÀer Iees<eCee Yeer keÀj mekeÀlee nw. hee$elee ceeveob[eW keÀes hetje keÀjlee nw, lees efvecveefueefKele kesÀ DeOeerve
III. ueeYeebMe keÀer Iees<eCee kesÀ efueS hee$elee ceeveob[: ueeYeebMe Ieesef<ele Deewj Yegieleeve keÀj mekeÀlee nw:
yeQkeÀ kesÀJeue leYeer ueeYeebMe Ieesef<ele keÀjves kesÀ efueS hee$e nesiee peye Jen i. ueeYeebMe Yegieleeve Devegheele 40% mes DeefOekeÀ veneR nesiee Deewj
efvecveefueefKele v³etvelece efJeJeskeÀhetCe& DeeJeM³ekeÀleeDeeW keÀe Devegheeueve keÀjlee DevegyebOe ceW efoS ieS cewefì^keÌme kesÀ Devegmeej nesiee.
nw; ii. ³eefo he´emebefiekeÀ DeJeefOe kesÀ ueeYe ceW keÀesF& DemeeOeejCe ueeYe
i. yeQkeÀ kesÀ heeme efvecve nesvee ®eeefnS: / Dee³e meeqcceefuele nw, lees efJeJeskeÀhetCe& Yegieleeve Devegheele kesÀ
Devegheeueve keÀer ieCevee kesÀ efueS Ssmeer DemeeOeejCe ceoeW keÀes
· efheíues oes hetCe& Je<eeX Deewj uesKee Je<e& efpemekesÀ efueS ueeYeebMe Ieesef<ele
íesæ[keÀj Yegieleeve Devegheele keÀer ieCevee keÀer peeSieer.
keÀjves keÀe he´mleeJe nw, kesÀ efueS keÀce mes keÀce 9% keÀe meerDeejSDeej
iii. efpeme efJeÊeer³e Je<e& kesÀ efueS yeQkeÀ ueeYeebMe Ieesef<ele keÀj jne nw,
· Meg× SveheerS 7% mes keÀce.
Gmemes mebyebefOele efJeÊeer³e efJeJejCe meebefJeefOekeÀ uesKeehejer#ekeÀeW
DevegueivekeÀ
ueeYeebMe Yegieleeve Devegheele keÀer DeefOekeÀlece Devegcele meercee kesÀ efueS ceeveob[ keÀe cewefì^keÌme (DeejyeerDeeF& heefjhe$e mebK³ee DeejyeerDeeF&/2004-05/451; [eryeerDees[er.
meb.yeerheer.yeermeer. 88/21.02.067/2004-05 efoveebkeÀ 04 ceF& 2005) kesÀ Devegmeej
jCeefveleer
mJeleb$e uesKeehejer#ekeÀeW keÀer efjheesì&
he´efle, 2022 nsleg ³en yeQkeÀ keÀer eqmLeefle keÀes JeemleefJekeÀ SJeb efve<he#e
meom³eieCe ¢eqäkeÀesCe mes he´oe|Mele keÀj mekesÀ.
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee, yeer. ueeYe SJeb neefve Keelee, Gme hej he´mlegle efìhheefCe³eeW kesÀ meeLe, Gme
cegcyeF& efleefLe hej meceehle Je<e& nsleg ueeYe keÀe JeemleefJekeÀ Mes<e he´oe|Mele
keÀjlee nw, leLee
uesKeehejeref#ele SkeÀue efJeÊeer³e efJeJejefCe³eeW hej efjheesì&
met®evee
DeefYecele meer. vekeÀoer he´Jeen efJeJejCe, Gme efleefLe hej meceehle Je<e& nsleg vekeÀoer
he´Jeen keÀe JeemleefJekeÀ SJeb efve<he#e ¢eqäkeÀesCe he´oe|Mele keÀjlee nw.
1. nceves mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (“yeQkeÀ”) keÀer mebueive efJeÊeer³e efJeJejefCe³eeW
keÀer uesKee hejer#ee keÀer nw, efpemeceW efoveebkeÀ 31 cee®e&, 2022 keÀe legueve DeefYecele keÀe DeeOeej
he$e, ueeYe neefve Keeles leLee meceehle Je<e& kesÀ efueS vekeÀo he´Jeen efJeJejCe SJeb 3. nceves nceejer uesKeehejer#ee Fbmìerìîetì Dee@HeÀ ®eeì&[& SkeÀeGbìWìdme
cenlJehetCe& uesKeebkeÀve veerefle³eeW kesÀ meb#eshe meefnle SkeÀue efJeÊeer³e efJeJejefCe³eeW Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀeW (SmeS)
hej veesìdme leLee Dev³e J³eeK³eelcekeÀ met®eveeDeeW efpemeceW Fme leejerKe keÀes kesÀ Devegªhe keÀer nw. Gve ceevekeÀeW kesÀ Debleie&le nceeje GÊejoeef³elJe,
nceejer efjheesì& kesÀ SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee Keb[ ceW
meceehle Je<e& kesÀ efueS nceejs Üeje uesKee hejeref#ele he´Oeeve keÀe³ee&ue³e, 12 Meeefceue uesKeehejer#ekeÀeW kesÀ GÊejoeef³elJe ceW hegveë J³eeK³eeef³ele nw. veweflekeÀ
De®ebueeW, 1 efJeMes<e SkeÀerke=Àle ì^spejer MeeKee leLee 20 MeeKeeDeeW keÀer DeeJeM³ekeÀleeDeeW kesÀ meeLe Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje peejer
efjheesì&
efJeJejefCe³eeb leLee mebyebefOele meebefJeefOekeÀ MeeKee uesKeehejer#ekeÀeW Üeje uesKee veweflekeÀlee keÀes[ kesÀ Devegªhe nce yeQkeÀ mes mJeleb$e nw, pees yeQeEkeÀie efJeefve³ece
hejeref#ele 1869 MeeKeeDeeW keÀer efJeÊeer³e efJeJejefCe³eeb meceeefnle nQ. DeefOeefve³ece, 1949 kesÀ he´eJeOeeveeW kesÀ Debleie&le SkeÀue efJeÊeer³e efJeJejefCe³eeW
nceejs Üeje uesKee hejeref#ele leLee Dev³e uesKee hejer#ekeÀeW Üeje uesKeehejeref#ele keÀer nceejer uesKeehejer#ee kesÀ efueS he´emebefiekeÀ nQ Deewj efpevnW DeeF&meerSDeeF&
MeeKeeDeeW keÀe ®e³eve Yeejleer³e efjpeJe& yeQkeÀ Üeje peejer efoMee-efveoxMeeW Üeje peejer uesKeebkeÀve ceevekeÀeW leLee yeweEkeÀie efJeefve³ecevekeÀejer DeefOeefve³ece,
1949 kesÀ Oeeje 29 kesÀ he´eJeOeeveeW Deewj Yeejleer³e efjpeJe& yeQkeÀ (Yeeefjyew)
kesÀ Devegªhe efkeÀ³ee ie³ee nw. leguevehe$e, ueeYe-neefve Keelee leLee vekeÀoer
Üeje mece³e-mece³e hej peejer efoMee-efveoxMeeW meefnle Yeejle ceW meeceev³ele:
he´Jeen efJeJejCeer ceW 2639 MeeKeeSB pees uesKee hejer#ee kesÀ DeOeerve veneR mJeerkeÀe³e& uesKee efme×ebleeW kesÀ Devegªhe lew³eej efkeÀ³ee ie³ee nw, Deewj nceejs
LeeR, keÀer efJeJejefCe³eeW keÀes Yeer Meeefceue efkeÀ³ee ie³ee nw. DeuesKeehejeref#ele Üeje Deheves Dev³e meYeer veweflekeÀ GÊejoeef³elJeeW leLee veweflekeÀlee keÀes[ kesÀ
Fve MeeKeeDeeW ceW Deefie´ceeW keÀe 16.76 he´efleMele, peceeDeeW keÀe 34.97 Devegªhe nceves Deheves Dev³e veweflekeÀ GÊejoeef³elJeeW keÀes hetje efkeÀ³ee nw.
he´efleMele, y³eepe Dee³e keÀe 9.27 he´efleMele leLee y³eepe J³e³e keÀe 33.12 nceW efJeéeeme nw efkeÀ nceW he´ehle uesKee hejer#ee mee#³e he³ee&hle nQ Deewj SkeÀue
efJeÊeer³e
he´efleMele efJeÐeceeve nw. efJeÊeer³e efJeJejefCe³eeW hej nceejs DeefYecele kesÀ efueS SkeÀ Gef®ele DeeOeej
he´oeve keÀjlee nw.
2. nceejer je³e ceW Deewj nceejer meJeexÊece peevekeÀejer kesÀ Devegmeej Deewj nceW
efoS ieS mheäerkeÀjCeeW kesÀ Devegmeej, GÊeÀ SkeÀue efJeÊeer³e efJeJejefCe³eeb ceeceues keÀe peesj
yeQeEkeÀie efJeefvece³e DeefOeefve³ece 1949 (FmekesÀ yeeo “DeefOeefve³ece” kesÀ ªhe 4. nce efvecve hej O³eeve DeekeÀe|<ele keÀjles nQ :
ceW meboe|Yele) leLee yeQkeÀ keÀes Dehesef#ele lejerkesÀ mes peevekeÀejer he´oeve keÀjles S. heefjJeej heWMeve keÀes mebMeesefOele efkeÀS peeves hej GlheVe ` 821.95
nQ Deewj Yeejle ceW Deece leewj hej mJeerkeÀej efkeÀS ieS uesKeebkeÀve efme×ebleeW keÀjesæ[ keÀer DeefleefjÊeÀ os³elee kesÀ heefjMeesOeve kesÀ mebyebOe ceW efJeÊeer³e
kesÀ Devegªhe nQ. efJeJejefCe³eeW keÀer Devegmet®eer mebK³ee 18 keÀe veesì meb. 15(v) nQ.
yeQkeÀ Üeje ` 544.52 keÀjesæ[ keÀer jeefMe 31 cee®e& 2022 keÀes
S. leguevehe$e SJeb Gme hej he´mlegle efìhheefCe³eeW kesÀ meeLe heefþle ³en hetCe& meceehle Je<e& nsleg ueeYe leLee neefve Keeles mes he´Yeeefjle keÀer ieF& nw
SJeb Gef®ele leguevehe$e nw efpemeceW meYeer DeeJeM³ekeÀ efJeJejCe meceeefnle Deewj Mes<e jeefMe DeheefjMeesefOele jeefMe keÀes YeeefjyeQ kesÀ heefjhe$e
nQ. Fmes mecegef®ele æ{bie mes lew³eej efkeÀ³ee ie³ee nw leeefkeÀ 31 cee®e& mebK³ee DeejyeerDeeF&/2021-22/105[erDeesDeejSmeermeer.
jCeefveleer
Deewj efveJesMeeW hej cetu³eÛeme mes mebyebefOele YeeefjyeQkeÀ kesÀ he´emebefiekeÀ efoMeeefveoxMeeW
efveJesMeeW keÀe cetu³eebkeÀve, Devepe&keÀ efveJesMeeW (SveheerDeeF&) keÀer hen®eeve keÀer mebiele ceW nceves yeQkeÀ Üeje efveOee&efjle efmemìce Deewj DeebleefjkeÀ efve³eb$eCe
Deewj mecyebefOele Dee³e he´ehle ve nesves SJeb Gve hej he´eJeOeeve keÀe keÀe DeebkeÀueve efkeÀ³ee nw Deewj Gmes mecePee nw.
hen®eevee ve peevee YeeefjyeQkeÀ kesÀ he´emebefiekeÀ heefjhe$eeW /efoMeeefveoxMeeW/
efveoxMeeW kesÀ Devegmeej efkeÀ³ee peelee nw. (efJeÊeer³e efJeJejefCe³eeW keÀer » YeeefjyeQkeÀ kesÀ efoMeeefveoxMeeW keÀer mebiele ceW he´efleYetefle keÀer he´l³eskeÀ ÞesCeer kesÀ
Devegmet®eer 17 kesÀ veesì 4 kesÀ meeLe heefþle Devegmet®eer 8 keÀe meboYe& ueW) efueS hegveceg&u³eebkeÀve Üeje YeeefjyeQkeÀ kesÀ ceemìj heefjhe$eeW SJeb efoMeeefveoxMeeW
kesÀ Devegheeueve kesÀ meeLe efveJesMeeW kesÀ ®e³eefvele vecetveeW kesÀ efueS Meg×lee Deewj
GÊeÀ he´efleYetefle kesÀ he´l³eskeÀ he´keÀej keÀe cetu³eebkeÀve YeeefjyeQkeÀ Üeje Devegheeueve keÀer peeb®e keÀer ieF& nw.
peejer heefjhe$eeW Deewj DeeosMeeW ceW efveOee&efjle he×efle kesÀ Devegmeej
keÀjvee nesiee, efpeveceW efJeefYeVe ñeesleeW mes mebie´efnle [eìe/ met®eveeSb » nceves SveheerDeeF& kesÀ hen®eeve keÀer he´ef¬eÀ³ee, Deewj Dee³e keÀer leovegªhe efvejmeve
pewmes efkeÀ SHeÀefyeue oj, yeerSmeF&/SveSmeF& hej he´oe|Mele ojeW, iewj Deewj he´eJeOeeveeW kesÀ me=peve keÀe DeebkeÀueve SJeb cetu³eebkeÀve efkeÀ³ee nw.
met®eerye× keÀcheefve³eeW keÀer efJeÊeer³e efJeJejefCe³eeb, he´efleYetefle jmeeroeW kesÀ » nceves, mJeleb$e ªhe mes hegveë heefjkeÀueve keÀjves, he´eJeOeeve me=efpele keÀjves Deewj
met®evee
ceeceues ceW SveSJeer Fl³eeefo Meeefceue nw. cetu³eÛeme he´oeve keÀjves kesÀ efueS cetue uesKeehejer#ee he´ef¬eÀ³ee DeheveeF& nw.
YeeefjyeQkeÀ kesÀ DeeosMeeW kesÀ Devegmeej, kegÀí efveeq½ele efveJesMe nw pees » nceves osKee nw efkeÀ efJeÊeer³e efJeJejCeeW keÀe he´keÀìve he´Jele&ceeve uesKee ceevekeÀeW
yeepeej cetu³e hej cetu³eebefkeÀle nw leLeeefhe kegÀí efveeq½ele efveJesMe Deewj DeejyeerDeeF& efoMeeefveoxMeeW keÀer DeeJeM³ekeÀleeDeeW kesÀ meboYe& ceW yeQkeÀ kesÀ
cetu³eebkeÀve he×efle³eeW hej DeeOeeefjle nw efpemeceW Deblee|veefnle efveJesMe cegu³eebkeÀve peesefKece keÀes he³ee&hle ªhe mes oMee&lee nw.
hetJee&vegceeveeW kesÀ meeLe meebefK³ekeÀer³e cee@[ue, efJeÊeer³e efJeJejefCe³eeW
Fl³eeefo hej DeeOeeefjle cetu³eebkeÀve hej keÀercele keÀe efveOee&jCe Deeefo
Yeer Meeefceue nw. Fve efveJesMeeW kesÀ cetu³eebkeÀve kesÀ efueS efveeq½ele keÀer
ieF& keÀercele kesÀJeue efveJesMeeW keÀe efve<he#e efveOee&jCe nw.
FmeefueS efveJesMeeW kesÀ cetu³eebkeÀve hej efJeMes<e O³eeve osves keÀer
DeeJeM³ekeÀlee nesleer nw Deewj Deeies efJeÊeer³e efJeJejefCe³eeW ceW efveJesMeeW
efjheesì&
keÀer jeefMe kesÀ cenlJe keÀes O³eeve ceW jKeles ngS, Gme hej nceejer
uesKeehejer#ee ceW cetue uesKeehejer#ee ceeceues kesÀ ªhe ceW efJe®eej efkeÀ³ee
peelee nw.
3. efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee ceW met®evee he´ewÐeesefiekeÀer (DeeF&ìer) nceves cetu³eebkeÀve keÀj cetue DeeF&ìer ShueerkesÀMeve, [eìeyesme Deewj heefj®eeueve
he´Ceeueer keÀe Ghe³eesie he´Ceeueer keÀer hen®eeve keÀer, pees nceejer uesKee hejer#ee kesÀ efueS he´emebefiekeÀ nw Deewj
yeQkeÀ keÀer heefj®eeueve Deewj efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee keÀesj yeQeEkeÀie efJeÊeer³e efjheese\ìie kesÀ efueS he´eLeefcekeÀ ªhe mes he´emebefiekeÀ meeryeerSme SJeb ì^spejer
meesu³etMevme (meeryeerSme) Deewj Dev³e mJe®eeefuele he´ef¬eÀ³ee kesÀ meeLe efmemìce keÀes ef®eeqvnle efkeÀ³ee. uesKeehejer#ee Deewj efJeÊeer³e met®eveeDeeW keÀes lew³eej
meceeqvJele mee@HeÌìJes³ej kesÀ ceeO³ece mes meb®eeefuele DeeF&ìer he´Ceeueer hej keÀjves ceW Ghe³eesie efkeÀS pee jns meeryeerSme Deewj ì^spejer heefj®eeueve mes mebyebefOele
efveYe&j nw Deewj uesveosveeW keÀer ye=no cee$ee keÀes efve³ebef$ele keÀjleer nw. cetue DeeF&ìer efmemìce kesÀ efueS nceejer uesKeehejer#ee keÀe HeÀeskeÀme #es$e DeefYeiece
megj#ee (efJeMes<eeefOekeÀej he´ehle kesÀ Thej efve³eb$eCe meefnle) kesÀ meeLe ShueerkesÀMeve
efJeÊeer³e
he´ef¬eÀ³ee SJeb efve³eb$eCe, Gef®ele Ghe³eesiekeÀlee& meb®eeueve Deewj Ghe³eesie heefjJele&ve efve³eb$eCe, [eìeyesme he´yebOeve Deewj vesìJeke&À heefj®eeueve kesÀ efueS nw.
ceW Dee jns he´yebOekeÀer³e he´ef¬eÀ³eeDeeW keÀes megefveeq½ele keÀjves kesÀ efueS nw. efJeMes<e ªhe mes :
yeQkeÀ kesÀ heeme DeeF&ìer mesJeeDeeW kesÀ jKejKeeJe kesÀ efueS G®®e
he´yebOeleb$e kesÀ he³e&Jes#eCe SJeb efJeMes<e%e hejeceMe& SpeWefme³eeW men³eesie » nceves uesKeehejer#ee DeJeefOe kesÀ oewjeve yeQkeÀ keÀer DeeF&ìer efve³eb$eCe eqmLeefle
kesÀ DeOeerve keÀe³e&jle DeebleefjkeÀ met®evee SJeb he´ewÐeesefiekeÀer([erDeeF&ìer) SJeb cetue heefjJele&veeW keÀes mecePee nw pees uesKeehejer#ee kesÀ efueS he´emebefiekeÀ nes
efJeYeeie nw. mekeÀleer nw.
leovegmeej, nceejer uesKeehejer#ee cetue DeeF&ìer he´Ceeueer Deewj efve³eb$eCe » nceves yeQkeÀ kesÀ cetue DeeF&ìer efmemìce kesÀ Thej meeceev³e DeeF&ìer efve³eb$eCeeW
kesÀ SkeÀue efJeÊeer³e efJeJejefCe³eeW hej J³eehekeÀ he´YeeJe kesÀ keÀejCe Gme kesÀ ef[peeFve, keÀe³ee&vJe³eve Deewj heefj®eeueve he´YeeefJelee SJeb mJeleb$e efJeMes<e%eeW
hej keWÀefêle keÀer ieF& nw. mes he´ehle keÀer ieF& efjheesìex keÀer peeb®e keÀer nw pees efJeÊeer³e efJeJejCeeW efjheese\ìie
kesÀ efueS cenlJehetCe& nQ. FmeceW keÀle&J³eeW kesÀ he=LekeÀkeÀjCe cetu³eebkeÀve Deewj
efJeefOeJele Devegceesefole DeeJesoveeW hej DeeOeeefjle he´eJeOeeve/mebMeesefOele efkeÀS
ieS DeefOekeÀejeW kesÀ meb®eeueve, mece³eye× lejerkesÀ ceW efvejmle efkeÀS ieS SeqkeÌpeì
ceeceueeW kesÀ meb®eeueve kesÀ efueS yeQkeÀ kesÀ efve³eb$eCe keÀe cetu³eebkeÀve Meeefceue nw.
jCeefveleer
kesÀ Devegmeej yeQkeÀ keÀer SkeÀue efJeÊeer³e eqmLeefle, efJeÊeer³e keÀe³e& efve<heeove Deewj nesves Jeeues peesefKece mes DeefOekeÀ nQ ke̳eeWefkeÀ OeesKeeOeæ[er ceW efceueerYeiele,
yeQkeÀ keÀe SkeÀue vekeÀo he´Jeen kesÀ ceeceues ceW mel³e SJeb Gef®ele peevekeÀejer peeuemeepeer, peeveyetPekeÀj ®etkeÀ, ieuele ye³eeveer ³ee DeebleefjkeÀ efve³eb$eCe
oslee nw. Fme GÊejoeef³elJe ceW me®®ee Deewj efve<he#e he´oMe&ve keÀjves Jeeueer keÀe DeesJejjeF[ meeqcceefuele nes mekeÀlee nw.
leLee OeesKeeOe[er ³ee $egefì kesÀ keÀejCe ieuele efJeJejCe mes cegÊeÀ SkeÀue efJeÊeer³e » uesKeehejer#ee mes mecyebefOele DeebleefjkeÀ efve³eb$eCeeW keÀes mecePevee
efJeJejefCe³eeW keÀes lew³eej SJeb he´mlegle keÀjves kesÀ efueS yeQkeÀ keÀer Deeeqmle³eeW leeefkeÀ uesKeehejer#ee he´ef¬eÀ³eeDeeW keÀes ef[peeFve efkeÀ³ee pee mekesÀ pees
keÀer megj#ee nsleg DeefOeefve³ece kesÀ he´eJeOeeveeW kesÀ Devegmeej he³ee&hle uesKeebkeÀve heefjeqmLeefle³eeW ceW Ghe³egÊeÀ nes.
efjkeÀe@[& kesÀ jKejKeeJe meefnle OeesKeeOeæ[er SJeb Dev³e Deefve³eefceleleeDeeW keÀes
jeskeÀves SJeb meceehle keÀjves nsleg, Ghe³egÊeÀ uesKeebkeÀve veerefle³eeW keÀe ®e³eve leLee » he´³eesie keÀer ieF& uesKeebkeÀve veerefle³eeW kesÀ Deewef®el³e Deewj he´yebOeve Üeje
GvnW ueeiet keÀjvee, efveCe&³e uesvee leLee ³en Devegceeve ueieevee efkeÀ Jes Gef®ele efkeÀS ieS uesKeebkeÀve DevegceeveeW SJeb mecyebefOele he´keÀìerkeÀjCe keÀe
met®evee
Deewj efJeJeskeÀhetCe& nw Deewj uesKeebkeÀve efjkeÀe@[& keÀer Meg×lee leLee heefjhetCe&lee cetu³eebkeÀve keÀjvee.
megefveeq½ele keÀjves nsleg he³ee&hle DeebleefjkeÀ efJeÊeer³e efve³eb$ekeÀeW keÀer ef[]peeFve, » uesKeebkeÀve leLee efueS ieS uesKeebkeÀve mee#³e kesÀ DeeOeej hej he´yebOeve
keÀe³ee&vJe³eve leLee jKejKeeJe keÀe he´YeeJeer heefj®eeueve keÀjvee Yeer Meeefceue Ghe³eesie keÀer Ghe³egÊeÀlee hej Deewj he´ehle uesKee hejer#ee mee#³e kesÀ DeeOeej
nw. hej efve<keÀ<e& efvekeÀeuevee efkeÀ ke̳ee Ssmeer IeìveeDeeW ³ee eqmLeefle³eeW mes
SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀes lew³eej keÀjves keÀe³e&Meerue mebmLee kesÀ ªhe mebyebefOele keÀesF& YeeweflekeÀ Deefveeq½elelee ceewpeto nw pees yeQkeÀ keÀes SkeÀ
ceW efvejblej yeves jnves kesÀ efueS yeQkeÀ keÀer #ecelee keÀe DeebkeÀueve keÀjves, keÀe³e&Meerue mebmLee kesÀ ªhe ceW peejer jKeves keÀer #ecelee hej cenlJehetCe&
keÀe³e&Meerue mebmLeeDeeW keÀes ueeiet ceeceueeW mebyebOeer he´keÀìerkeÀjCe leLee mebosn hewoe keÀj mekeÀleer nw. ³eefo nce ³en efve<keÀ<e& efvekeÀeueles nQ efkeÀ
keÀe³e&Meerue mebmLee DeeOeeefjle uesKeebkeÀve keÀe Ghe³eesie keÀjves kesÀ efueS yeQkeÀ YeeweflekeÀ Deefveeq½elelee ceewpeto nw, nceW Dehevee O³eeve Deheves uesKeehejer#ekeÀ
kesÀ mebyebefOele efveosMekeÀ ceb[ue GÊejoe³eer nw leye lekeÀ yeQkeÀ keÀe mebyebefOele keÀer efjheesì& ceW SkeÀue efJeÊeer³e efJeJejCeeW mes mebyebefOele he´keÀìerkeÀjCe hej
efjheesì&
efveosMekeÀ ceb[ue ve lees yeQkeÀ keÀe heefjmeceeheve keÀjsiee ³ee heefj®eeueve jeskesÀiee DeekeÀe|<ele keÀjvee nesiee DeLeJee, ³eefo Deheveer je³e keÀes mebMeesefOele
peye lekeÀ Ssmee keÀjves efmeJee³e keÀesF& Dev³e JeemleefJekeÀ efJekeÀuhe ve nes. keÀjves kesÀ efueS Ssmes he´keÀìerkeÀjCe Dehe³ee&hle nQ. nceejs efve<keÀ<e& nceejer
yeQkeÀ keÀe mebyebefOele efveosMekeÀ ceb[ue yeQkeÀ kesÀ efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee kesÀ uesKeehejer#ee keÀer efjheesì& keÀer leejerKe lekeÀ he´ehle uesKeehejer#ee mee#³e hej
he³e&Jes#eCe nsleg Yeer GÊejoe³eer nw. DeeOeeefjle nw. leLeeefhe, YeefJe<³e ceW nesves Jeeueer IeìveeDeeW ³ee eqmLeefle³eeW
kesÀ keÀejCe yeQkeÀ SkeÀ keÀe³e&Meerue mebmLee kesÀ ªhe ces peejer jnvee yebo
SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee nsleg uesKeehejer#ekeÀeW keÀe nes mekeÀlee nw.
GÊejoeef³elJe
8. nceeje GÎsM³e, ³en leee|keÀkeÀ Deeéeemeve he´ehle keÀjvee nw efkeÀ ke̳ee SkeÀue » he´keÀìerkeÀjCe meefnle SkeÀue efJeÊeer³e efJeJejefCe³eeW keÀe meceie´
efJeÊeer³e efJeJejefCe³eeb OeesKeeOeæ[er DeLeJee $egefì kesÀ keÀejCe SkeÀ meceie´ ªhe he´mlegleerkeÀjCe, mebj®evee SJeb meeceie´er keÀe cetu³eebkeÀve keÀjvee SJeb ke̳ee efJeÊeer³e
mes efJe<e³eer De³eLeeLe& mes cegÊeÀ nw, Deewj uesKeehejer#ekeÀeW keÀer efjheesì& he´mlegle SkeÀue efJeÊeer³e efJeJejefCe³eeb Deblejefveefnle uesveosveeW SJeb IeìveeDeeW keÀe
efkeÀ³ee peevee efpemeceW nceejer je³e Meeefceue nw. ³en leke&Àmebiele Deeéeemeve Fme lejn mes he´efleefveefOelJe keÀjles nQ efpememes efve<he#e he´mlegefle he´ehle nesleer
G®®e mlej keÀe Deeéeemeve nw uesefkeÀve SkeÀ ieejbìer veneR efkeÀ SkeÀue efJeÊeer³e nw.
efJeJejefCe³eeW kesÀ Devegmeej meb®eeefuele uesKeehejer#ee mes ncesMee efJeÐeceeve एकल विवरणी में एक विषयी अयथार्थ की महत्ता है जो वैयक्तिक
efJe<e³eer De³eLeeLe& keÀe meowJe helee ueiesiee. De³eLeeLe& OeesKeeOeæ[er DeLeJee
अथवा समग्र रूप से इसे सं भव बनाता है कि वित्तीय विवरणियों के
$egefì mes GlheVe nes mekeÀlee nw Deewj ³eefo Jew³eefÊeÀkeÀ DeLeJee meceie´ ªhe ceW
³en efJe<e³eiele mecePee pee³esiee, lees Fve SkeÀue efJeÊeer³e efJeJejefCe³eeW kesÀ एक तर्क सं गत अनुभवी उपयोगकर्ता के आर्थिक निर्णय प्रभावित हो
DeeOeej hej Ghe³eesiekeÀÊee& Üeje efueS ieS Deee|LekeÀ efveCe&³eeW keÀes leke&Àmebiele सकते हैं. हम (i) हमारे लेखापरीक्षा कार्य क्षेत्र कि योजना बनाने
ªhe mes he´YeeefJele keÀj mekeÀlee nw. और हमारे कार्य परिणामों का मूल्यांकन करने और (ii) वित्तीय
विवरणियों में किसी चिन्हित अयथार्थ विवरणों के प्रभाव का
uesKeehejer#ee kesÀ SkeÀ Yeeie kesÀ leewj hej, nce J³eeJemeeef³ekeÀ efveCe&³e
मूल्यांकन करने में मात्रात्मक भौतिकता और गुणात्मक घटकों का
he´ef¬eÀ³ee keÀe heeueve keÀjles nQ SJeb uesKeehejer#ee kesÀ oewjeve J³eeJemeeef³ekeÀ
विचार करते हैं.
jCeefveleer
hegmlekeÀeW kesÀ meeLe Deewj Gve MeeKeeDeeW mes he´ehle efJeJejefCe³eeW kesÀ meeLe
cesue Keeles nQ, efpevekeÀe nceejs Üeje oewje veneR efkeÀ³ee ie³ee nw.
meer. yeQeEkeÀie efJeefve³eceve DeefOeefve³ece, 1949 keÀer Oeeje 29 kesÀ lenle yeQkeÀ
met®evee
(meer S jerlesMe Deie´Jeeue) (meer S efkeÀjCe kesÀ oHeÌlejer)
Yeeieeroej Yeeieeroej
Sce vebyej 062410 Sce vebyej 010279
³et[erDeeF&Sve: 22062410 SDeeFheer[yuetSHeÀDees 9548 ³et[erDeeF&Sve: 22010279 SDeeFheerJeer³etS®e9802
ke=Àles S Sme kesÀ S Sb[ kebÀheveer ke=Àles efkeÀMeesj Sb[ efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ Deej vebyej 122063 [yuet SHeÀ Deej vebyej 000291Sve
efjheesì&
Yeeieeroej Yeeieeroej
Sce vebyej 101504 Sce vebyej 018808
³et[erDeeF&Sve: 22101504SDeeF&heerJeer³etmeer 2673 ³et[erDeeF&Sve: 22018808SDeeF&heerJeerJeerSHeÀ 2318
mLeeve : cegbyeF&
efoveebkeÀ : 09 ceF& 2022
efJeÊeer³e
Yeejleer³e efjpeJe& yeQkeÀ (“DeejyeerDeeF&”) he$e [erDeesSme.SDeejpeer. nQ. efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀer nceejer
meb.6270/08.91.001/2019-20 efoveebkeÀ 17 cee®e&, 2020 (³eLee uesKeehejer#ee ceW efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀes
mebMeesefOele) (“DeejyeerDeeF& mebhe´s<eCe”) Üeje Dehesef#ele efJeÊeer³e efjheese\ìie mecePevee, efJeÐeceeve YeeweflekeÀ ogye&uelee mebyebOeer peesefKece keÀe DeekeÀueve
hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe hej efjheesì&”) keÀjvee, Deewj cetu³eebefkeÀle peesefKece kesÀ DeeOeej hej DeebleefjkeÀ efJeÊeer³e
1. nceves 31 cee®e&, 2022 keÀes meWì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (“yeQkeÀ”) keÀer efve³eb$eCeeW kesÀ ef[peeFve Deewj heefj®eeueveelcekeÀ he´YeeJeMeeruelee keÀe hejer#eCe
efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀer uesKeehejer#ee keÀer Deewj cetu³eebkeÀve keÀjvee Meeefceue nw. ®e³eefvele he´ef¬eÀ³eeSb, efpemeceW efJeÊeer³e
nw, Gme leejerKe keÀes meceehle Je<e& kesÀ efueS yeQkeÀ kesÀ mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW cenlJehetCe& ieuele met®evee kesÀ peesefKeceeW keÀe DeekeÀueve Meeefceue
efJeJejCeeW keÀer nceejer uesKeehejer#ee kesÀ meeLe, efpemeceW yeQkeÀ keÀer MeeKeeDeeW nw, ®eens Jen OeesKeeOeæ[er ³ee $egefì kesÀ keÀejCe nes, uesKeehejer#ekeÀ kesÀ efveCe&³e
keÀer efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe Meeefceue nw. hej efveYe&j keÀjleer nQ.
DeebleefjkeÀ efJeÊeer³e efve³eb$eCe kesÀ efueS he´yebOeve keÀer efpeccesoejer nce ceeveles nQ efkeÀ nceves pees uesKee hejer#ee mee#³e he´ehle efkeÀS nQ Deewj
2. Yeejleer³e meveoer uesKeekeÀej mebmLeeve Üeje efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ MeeKee uesKee hejer#ekeÀeW Üeje GvekeÀer efjheesì& kesÀ meboYe& ceW, he´ehle efkeÀS
efJeÊeer³e efve³eb$eCeeW keÀer uesKeehejer#ee hej peejer ceeie&oMe&ve veesì ceW GuuesKe ieS uesKee hejer#ee mee#³e, Dev³e ceeceueeW mebyebOeer veer®es hewjeie´eHeÀ ceW meboe|Yele
kesÀ Devegmeej, DeebleefjkeÀ efve³eb$eCe kesÀ DeeJeM³ekeÀ IeìkeÀeW hej efJe®eej nQ, efJeÊeer³e efjheese\ìie hej yeQkeÀ kesÀ DeebleefjkeÀ efJeÊeer³e efve³eb$eCe hej nceejer
keÀjles ngS yeQkeÀ Üeje mLeeefhele efJeÊeer³e efjheese\ìie ceeveob[eW hej DeebleefjkeÀ uesKeehejer#ee je³e nsleg DeeOeej he´oeve keÀjves kesÀ efueS he³ee&hle Deewj Ghe³egÊeÀ
efve³eb$eCe kesÀ DeeOeej hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe mLeeefhele keÀjves Deewj nQ.
yeveeS jKeves kesÀ efueS yeQkeÀ keÀe he´yebOeve efpeccesoej nw. Fve efpeccesoeefj³eeW ceW efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe keÀe DeLe&
he³ee&hle DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀe ef[peeFve, keÀe³ee&vJe³eve Deewj Gme 4. efJeÊeer³e efjheese\ìie hej yeQkeÀ keÀe DeebleefjkeÀ efJeÊeer³e efve³eb$eCe SkeÀ Ssmeer
DeebleefjkeÀ efJeÊeer³e efve³eb$eCe keÀes yeveeS jKevee nw pees yeQkeÀ keÀer veerefle³eeW kesÀ he´ef¬eÀ³ee nw efpemes meeOeejCeleë mJeerke=Àle uesKee efme×ebleeW kesÀ Devegmeej
¢æ{ Devegheeueve meefnle J³eJemee³e kesÀ J³eJeeqmLele Deewj kegÀMeue meb®eeueve efJeÊeer³e efjheese\ìie keÀer efJeéemeveer³elee Deewj yeenjer GÎsM³eeW kesÀ efueS efJeÊeer³e
keÀes megefveeq½ele keÀjves kesÀ efueS he´YeeJeer {bie mes keÀece keÀj jns Les, FmekeÀer efJeJejCe lew³eej keÀjves kesÀ mebyebOe ceW Gef®ele Deeéeemeve he´oeve keÀjves kesÀ
heefjmebheefÊe³eeW keÀer megj#ee, OeesKeeOeæ[er Deewj $egefì³eeW keÀer jeskeÀLeece Deewj efueS ef[]peeFve efkeÀ³ee ie³ee nw. efJeÊeer³e efjheese\ìie hej yeQkeÀ kesÀ DeebleefjkeÀ
helee ueieevee, uesKeebkeÀve efjkeÀe@[& keÀer meìerkeÀlee Deewj hetCe&lee Deewj pewmee efJeÊeer³e efve³eb$eCe ceW Jes veerefle³eeb Deewj he´ef¬eÀ³eeSb Meeefceue nQ pees (1) Gve
efkeÀ yeQeEkeÀie efJeefve³eceve DeefOeefve³ece, 1949 Deewj Yeejleer³e efj]peJe& yeQkeÀ DeefYeuesKeeW kesÀ jKejKeeJe mes mebyebefOele nw, pees Gef®ele efJeJejCe ceW, yeQkeÀ
Üeje peejer heefjhe$eeW Deewj efoMeeefveoxMeeW kesÀ lenle DeeJeM³ekeÀ efJeéemeveer³e keÀer heefjmebheefÊe³eeW kesÀ uesveosve Deewj mJeYeeJe keÀes mener Deewj efve<he#e ªhe
efJeÊeer³e met®evee keÀer mece³e hej lew³eejer Meeefceue nw. mes oMee&les nQ; (2) ³en Gef®ele Deeéeemeve he´oeve keÀjles nQ efkeÀ uesveosve keÀes
uesKee hejer#ekeÀ keÀer efpeccesoejer meeOeejCeleë mJeerke=Àle uesKee efme×ebleeW kesÀ Devegmeej efJeÊeer³e efJeJejCe lew³eej
3. nceejer uesKee hejer#ee kesÀ DeeOeej hej efJeÊeer³e efjheese\ìie hej yeQkeÀ kesÀ keÀjves keÀer Devegceefle osves kesÀ efueS DeeJeM³ekeÀ kesÀ ªhe ceW ope& efkeÀ³ee ie³ee
DeebleefjkeÀ efJeÊeer³e efve³eb$eCe hej SkeÀ je³e J³eÊeÀ keÀjvee nceejer efpeccesoejer nw, Deewj yeQkeÀ keÀer he´eeqhle³eeb Deewj J³e³e kesÀJeue yeQkeÀ kesÀ he´yebOeve Deewj
nw. nceves Yeejleer³e meveoer uesKeekeÀej mebmLeeve (`DeeF&meerSDeeF&’) Üeje efveosMekeÀeW kesÀ he´eefOekeÀjCe kesÀ Devegmeej efkeÀS pee jns nQ; leLee (3) ³en keÀer
efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀer uesKeehejer#ee hej mebheefÊe kesÀ DeveefOeke=Àle DeefOeie´nCe, Ghe³eesie ³ee efveheìeve keÀer jeskeÀLeece
peejer ceeie&oMe&ve veesì ceW GuuesKe SJeb DeeF&meerSDeeF& Üeje peejer efkeÀS ³ee mece³e hej helee ueieeves kesÀ yeejs ceW Gef®ele Deeéeemeve he´oeve keÀjles nw,
ieS Dee@ef[eEìie (SmeSSme) hej ceevekeÀeW kesÀ Devegmeej DeebleefjkeÀ efJeÊeer³e efpemekeÀe efJeÊeer³e efJeJejCeeW hej cenlJehetCe& he´YeeJe nes mekeÀlee nw.
efve³eb$eCeeW keÀer uesKeehejer#ee kesÀ efueS ueeiet meercee lekeÀ Deheveer uesKeehejer#ee efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe keÀer Deblee|veefnle
keÀer nw. Gve ceevekeÀeW Deewj ceeie&oMe&ve veesì kesÀ efueS DeeJeM³ekeÀ nw efkeÀ nce meerceeSb
veweflekeÀ DeeJeM³ekeÀleeDeeW keÀe Devegheeueve keÀjW Deewj Fme yeejs ceW Gef®ele 5. efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCeeW keÀer Deblee|veefnle meerceeDeeW
Deeéeemeve he´ehle keÀjves kesÀ efueS ³eespevee yeveeSb Deewj uesKee hejer#ee keÀjW efkeÀ kesÀ keÀejCe, efpemeceW efceueerYeiele keÀer mebYeeJevee ³ee efve³eb$eCeeW kesÀ Devegef®ele
ke̳ee efJeÊeer³e efjheese\ìie hej he³ee&hle DeebleefjkeÀ efJeÊeer³e efve³eb$eCe mLeeefhele he´yebOeve DeesJejjeF[ Meeefceue nQ, $egefì ³ee OeesKeeOeæ[er kesÀ keÀejCe meeceie´er
Deewj yeveeS jKee ie³ee Lee Deewj ke̳ee Ssmes efve³eb$eCe meYeer YeeweflekeÀ ceeceueeW ieuele efJeJejCe nes mekeÀles nQ Deewj GvekeÀe helee veneR ueiee³ee pee mekeÀlee
ceW he´YeeJeer {bie mes meb®eeefuele nesles nQ. nw. FmekesÀ DeueeJee, YeefJe<³e keÀer DeJeefOe kesÀ efueS efJeÊeer³e efjheese\ìie hej
nceejs hetbpeer ceW efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe keÀer DeebleefjkeÀ efJeÊeer³e efve³eb$eCe kesÀ efkeÀmeer Yeer cetu³eebkeÀve kesÀ Devegceeve peesefKece
he³ee&hlelee Deewj GvekeÀer heefj®eeueveelcekeÀ he´YeeJeMeeruelee kesÀ yeejs ceW kesÀ DeOeerve nQ efkeÀ efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe MeleeX
uesKeehejer#ee mee#³e he´ehle keÀjves kesÀ efueS efve<heeokeÀ he´ef¬eÀ³eeSb Meeefceue ceW yeoueeJe kesÀ keÀejCe Dehe³ee&hle nes mekeÀlee nw, ³ee ³en efkeÀ veerefle³eeW ³ee
he´ef¬eÀ³eeDeeW kesÀ Devegheeueve keÀe mlej efyeieæ[ mekeÀlee nw.
jCeefveleer
efjheese\ìie ceeveob[eW hej DeebleefjkeÀ efve³eb$eCe kesÀ DeeOeej hej DeebleefjkeÀ Fme mebyebOe ceW nceejs megPeeJe yeQkeÀ keÀer efJeÊeer³e efjheese\ìie hej DeebleefjkeÀ
efJeÊeer³e efve³eb$eCe mLeeefhele keÀjves Deewj yeveeS jKeves kesÀ efueS pees efoveebkeÀ efJeÊeer³e efve³eb$eCe keÀes Deewj cepeyetle keÀjves kesÀ efueS he´yebOeve keÀes he´mlegle
31 cee®e&, 2022 keÀes he´YeeJeer {bie mes meb®eeefuele nes jns Les, hej yeQkeÀ keÀe efkeÀS ieS nQ.
he³ee&hle efve³eb$eCe nw. Fme ceeceues ceW nceejer je³e ceW keÀesF& yeoueeJe veneR efkeÀ³ee ie³ee nw.
Dev³e ceeceues
7. nceejer hetJeexÊeÀ efjheesì& peneb lekeÀ, ³en 70 (meÊej) MeeKeeDeeW keÀer efJeÊeer³e
efjheese\ìie hej DeebleefjkeÀ efJeÊeer³e efve³eb$eCe keÀer heefj®eeueve he´YeeJeMeeruelee
met®evee
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ Deej vebyej 309005F& SHeÀ Deej vebyej 101794 [yuet
efjheesì&
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ Deej vebyej 122063 [yuet SHeÀ Deej vebyej 000291Sve
Deeeqmle³eeb
vekeÀoer SJeb Yeejleer³e efj]peJe& yeQkeÀ kesÀ heeme Mes<e jeefMe 6 38,03,36,974 32,18,78,420
yeQkeÀeW ceW pecee jeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe 7 15,06,06,268 6,76,34,665
efveJesMe 8 1,40,78,69,475 1,48,58,24,347
Deefie´ce 9 1,68,17,35,000 1,56,57,86,472
De®eue Deeeqmle³eeb 10 4,95,50,429 5,13,24,206
Dev³e Deeeqmle³eeb 11 19,55,57,787 19,97,01,828
kegÀue 3,86,56,55,933 3,69,21,49,938
Thej GequueefKele Devegmetef®e³eeb legueve he$e keÀe SkeÀ DeefYeVe Debie nQ.
DeeueeskeÀ ÞeerJeemleJe efJeJeskeÀ Jeener jepeerJe hegjer
keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ
Þeer nee|okeÀ Sce mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þeer he´oerhe ÒeeCeueeue efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meer.S efjlesMe Deie´Jeeue) (meer.S efkeÀjCe kesÀ.oHeÌlejer) (meer.S efJepe³e Mesueej) (meer.S heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeF&heer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeFhee[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeFhee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeFhee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
jCeefveleer
kegÀue 25,77,01,316 25,84,59,071
II. J³e³e
he´oÊe y³eepe 15 13,31,48,828 14,48,51,898
heefj®eeueve J³e³e 16 7,25,80,987 6,78,22,330
he´eJeOeeve SJeb DeekeÀeqmcekeÀleeSb 4,15,23,220 5,46,60,689
kegÀue 24,72,53,035 26,73,34,917
III. hetJe& DeJeefOe ceo mes henues kesÀ Je<e& kesÀ efueS ueeYe/(neefve) 1,04,48,281 (88,75,846)
IeìeSb : hetJe& DeJeefOe ceo - -
hetJe& DeJeefOe ceo kesÀ yeeo Je<e& kesÀ efueS Meg× ueeYe/(neefve) 1,04,48,281 (88,75,846)
Debeflece legueve he$e kesÀ Devegmeej ueeYe/(neefve) keÀe Deeies uee³ee ie³ee Mes<e (18,72,42,173) (17,52,93,938)
Mes³ej he´erefce³ece Keeles mes nmleebleefjle jeefMe 18,72,42,173 -
kegÀue 1,04,48,281 (18,41,69,784)
met®evee
IV. efJeefve³eespeve
keÀes Debleefjle :
meebefJeefOekeÀ he´ejef#ele efveefOe 26,12,100 -
efveJesMe Gleej-®eæ{eJe he´ejef#ele efveefOe 65,80,920
efveJesMe he´ejef#ele efveefOe 12,55,261 30,72,389
Oeeje 36(1)(viii) kesÀ lenle efJeMes<e he´ejef#ele efveefOe - -
keÀce&®eejer keÀu³eeCe keÀes<e - -
yeercee kesÀ yeoues jepemJe he´ejef#ele efveefOe - -
he´mleeefJele ueeYeebMe - Jejer³elee hetbpeer
he´mleeefJele ueeYeebMe - FeqkeÌJeìer hetbpeer - -
ueeYeebMe keÀj - -
legueve he$e ceW Deeies ues pee³ee ie³ee Mes<e - (18,72,42,173)
efjheesì&
kegÀue 1,04,48,281 (18,41,69,784)
F&heerSme (cetue Deewj [eFu³etìs[) ? ceW (veececee$e cetu³e ? 10/- he´efle Mes³ej) 1.27 (1.53)
cenlJehetCe& uesKee veerefle³eeb 17
KeeleeW kesÀ efueS veesìdme 18
Thej GequueefKele Devegmetef®e³eeb ueeYe Deewj neefve Keeles keÀe SkeÀ DeefYeVe Debie nQ.
DeeueeskeÀ ÞeerJeemleJe efJeJeskeÀ Jeener jepeerJe hegjer
keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ keÀe³e&heeuekeÀ efveosMekeÀ
Þeer nee|okeÀ Sce mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þeer he´oerhe ÒeeCeueeue efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meer.S efjlesMe Deie´Jeeue) (meer.S efkeÀjCe kesÀ.oHeÌlejer) (meer.S efJepe³e Mesueej) (meer.S heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeF&heer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeFhee[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeFhee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeFhee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
Ieìe³eW : Je<e& kesÀ oewjeve ueeYe neefve Keeles kesÀ Mes<e ceW 18,72,42,173 -
DeblejCe
Je<e& kesÀ oewjeve heefjJeOe&ve 1,99,46,230 8,92,002
7,46,66,328 24,19,62,271
V. Dee³ekeÀj DeefOeefve³ece keÀer Oeeje 36 (1)(viii) kesÀ 10,00,000 10,00,000
jCeefveleer
65,80,920 -
ii.
jepemJe he´ejef#ele efveefOe³eeb
efheíues leguevehe$e kesÀ Devegmeej Mes<e jeefMe 2,77,18,572 2,69,33,380
peesæ[s:hegvecet&u³eve he´ejef#ele efveefOe³eeW mes DeblejCe 5,41,238 5,09,495
Je<e& kesÀ oewjeve heefjJeOe&ve / mecee³eespeve - 2,75,697
Ieìe³eW : Je<e& kesÀ oewjeve keÀìewefle³eeb -
2,82,59,810 2,77,18,572
VII. ueeYe SJeb neefve Keeles ceW Mes<e jeefMe -
efheíues leguevehe$e kesÀ Devegmeej Mes<e jeefMe (18,72,42,173)
met®evee
peesæ[s:Mes³ej he´erefce³ece Keeles mes Debleefjle Mes<e 18,72,42,173
Meg× Mes<e - (18,72,42,173)
kegÀue 18,84,57,659 15,82,95,276
Devegmet®eer 3 : peceejeefMe³eeb
S. I. ceebie peceejeefMe³eeb
i) yeQkeÀ mes 1,03,37,153 65,67,481
ii) Dev³e mes 16,51,49,281 16,25,93,515
17,54,86,434 16,91,60,996
efjheesì&
II. ye®ele yeQkeÀ peceejeefMe³eeb 1,55,96,51,980 1,45,66,70,191
meeJeefOe peceejeefMe³eeb
III.
i) yeQkeÀ mes 62,23,208 43,92,999
ii) Dev³e mes 1,68,55,57,753 1,66,95,05,310
1,69,17,80,961 1,67,38,98,309
kegÀue 3,42,69,19,375 3,29,97,29,496
yeer. i) Yeejle ceW eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb 3,42,69,19,375 3,29,97,29,496
ii) Yeejle kesÀ yeenj eqmLele MeeKeeDeeW keÀer peceejeefMe³eeb efJeÊeer³e
Devegmet®eer 8 : efveJesMe
I. Yeejle ceW efveJesMe*
i) mejkeÀejer he´efleYetefle³eeW ceW 1,05,50,89,160 1,10,35,84,201
jCeefveleer
vi) Dev³e (JeeefCeeqp³ekeÀ hesheme& c³eg®³egDeue HebÀ[ ³etefveìdme 31,07,519 1,72,93,826
Deeefo
1,40,73,94,590 1,48,53,49,462
II. Yeejle kesÀ yeenj efveJesMe**
efJeosMe ceW Deveg<ebefie³eeb Deewj/DeLeJee SmeesefmeSìdme 4,74,885 4,74,885
kegÀue 1,40,78,69,475 1,48,58,24,347
* Yeejle ceW efveJesMe
efveJesMeeW keÀe kegÀue cetu³e 1,46,71,17,739 1,53,77,25,730
IeìeSb : cetu³eÛeme nsleg he´eJeOeeve 5,97,23,149 5,23,76,268
Meg× efveJesMe 1,40,73,94,590 1,48,53,49,462
met®evee
** Yeejle kesÀ yeenj efveJesMe
kegÀue cetu³e 4,74,885 4,74,885
IeìeSb : cetu³eÛeme nsleg he´eJeOeeve - -
Meg× cetu³e 4,74,885 4,74,885
Devegmet®eer 9 : Deefie´ce
S. i) Kejeros ieS SJeb YegveeS ieSs efyeue 2,40,31,721 89,00,535
ii) vekeÀo GOeej, DeesJej [^eHeÌì SJeb ceebie hej he´efleos³e 70,22,91,110 70,35,42,501
efjheesì&
$eÝCe
iii) ceer³eeoer $eÝCe 95,54,12,169 85,33,43,436
kegÀue 1,68,17,35,000 1,56,57,86,472
yeer. Deefie´ceeW keÀe efJeJejCe
i) cetle& Deeeqmle³eeW Üeje jef#ele 1,55,92,58,701 1,52,34,13,189
(yener $eÝCe kesÀ mece#e Deefie´ceeW meefnle)
yener $eÝCe kesÀ 31 cee®e& 2021kesÀ ` 1584789
(000 keÀes íesæ[keÀj ) kesÀ efJeª× , 31 cee®e& 2022
keÀes `1671871 (000 keÀes íesæ[keÀj ) Deefie´ceeW keÀes efJeÊeer³e
Meefceue keÀjles ng³es
ii) yeQkeÀ/mejkeÀejer ieejbìer Üeje jef#ele 1,32,94,746 3,66,01,365
iii) Dejef#ele 10,91,81,553 57,71,918
kegÀue 1,68,17,35,000 1,56,57,86,472
meer. Deefie´ceeW keÀe Keb[Jeej JeieeakeÀjCe
(I) Yeejle ceW Deefie´ce
i) he´eLeefcekeÀlee he´ehle #es$e 86,05,76,958 80,84,25,818
ii) meeJe&peefvekeÀ #es$e 4,14,01,906 5,09,87,479
iii) yeQkeÀ 53,224 4,926
iv) Dev³e 77,97,02,912 70,63,68,249
kegÀue 1,68,17,35,000 1,56,57,86,472
(II) Yeejle kesÀ yeenj Deefie´ce - -
jCeefveleer
I. Deefie´ceeW/efyeueeW hej y³eepe/ yeÆe 11,50,06,591 11,63,83,361
II. efveJesMeeW hej Dee³e 9,26,35,596 10,00,89,617
III. Yeejleer³e efjpeJe& yeQkeÀ SJeb Dev³e Deblej-yeQkeÀ 1,23,81,061 67,60,466
efveefOe³eeW Mes<e jeefMe hej y³eepe
IV. Dev³e keÀes 79,93,228 40,68,885
kegÀue 22,80,16,476 22,73,02,329
met®evee
I. keÀceerMeve, efJeefvece³e SJeb oueeueer 1,42,47,404 1,04,17,203
II. efveJesMeeW keÀer efye¬eÀer hej ueeYe/(neefve) (Meg×) 49,10,035 1,38,05,508
III. efveJesMeeW kesÀ hegveceg&u³eebkeÀve hej ueeYe/(neefve) (Meg×) (27,68,771) (5,15,400)
IV. Yetefce, YeJeveeW SJeb Dev³e Deeeqmle³eeW keÀer efye¬eÀer mes ueeYe / (neefve) (Meg×) 91,365 (2,09,976)
V. efJeefvece³e J³eJenejeW hej ueeYe (Meg×) 19,92,437 8,66,918
VI. Yeejle/efJeosMeeW ceW Deveg<ebefie³eeW SJeb SmeesefMeSìdme mes ueeYeebMe 80,103 64,778
VII. efJeefJeOe Dee³e 1,11,32,267 67,27,711
kegÀue 2,96,84,840 3,11,56,742
efjheesì&
Devegmet®eer 15 : he´oÊe y³eepe
I. peceejeefMe³eeW hej y³eepe 12,84,76,515 13,99,40,735
II. Yeejleer³e efjpeJe& yeQkeÀ / Deblej yeQkeÀ GOeej jeefMe³eeW hej y³eepe 7,17,858 32,564
III. Dev³e 39,54,455 48,78,599
kegÀue 13,31,48,828 14,48,51,898
jCeefveleer
efkeÀmle 90 efoveeW mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e neefve Deeeqmle³eeb : 100%
nw. 2.4 Deefie´ceeW keÀes he´eJeOeeveeW (SveheerS kesÀ ceeceues ceW) Dehe´ehle y³eepe,
yeer) SkeÀ DeesJej[^eHeÌì ³ee vekeÀo ¬esÀef[ì keÀes SkeÀ iewj-efve<heeefole efJeefJeOe he´keÀej kesÀ GOeejkeÀlee&DeeW mes Jemetue keÀer ieF& jeefMe Deewj
heefjmebheefÊe kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw, ³eefo Keelee meerpeerìerSmeDeeF&/F&meerpeermeer mes he´ehle oeJes Deeefo keÀes efceuee keÀj
“Deefve³eefcele” jnlee nw, DeLee&le, ³eefo yekeÀe³ee jeefMe 90 efoKee³ee peelee nw.
efoveeW keÀer DeJeefOe kesÀ efueS ueieeleej mJeerke=Àle meercee / 2.5 hegvej&ef®ele/hegvee|veOee&efjle Deeeqmle³eeW kesÀ efueS he´eJeOeeve DeejyeerDeeF&
DeenjCe MeefÊeÀ mes DeefOekeÀ nw, ³ee ³eefo 90 efoveeW kesÀ efueS Üeje peejer efoMee-efveoxMeeW kesÀ Devegmeej efkeÀS peeles nQ, efpemeceW Dev³e
ueieeleej keÀesF& ¬esÀef[ì veneR nQ, ³ee ³eefo ¬esÀef[ì efheíues 90 yeeleeW kesÀ meeLe-meeLe ³en Dehesef#ele nw efkeÀ hegvej&®evee mes henues Deewj
efoveeW keÀer DeJeefOe kesÀ oewjeve [sefyeì efkeÀS ieS y³eepe keÀes yeeo ceW $eÝCeeW/Deefie´ceeW kesÀ Gef®ele cetu³e kesÀ yeer®e Deblej meyebefOele
keÀJej keÀjves kesÀ efueS he³ee&hle veneR nQ. he´eJeOeeve kesÀ DeueeJee $eÝCeeW/Deefie´ceeW he´oeve efkeÀ³ee peeS. Gve³egkeÌle
met®evee
meer) Kejeros ieS/ítì Jeeues efyeueeW keÀes iewj-efve<heeefole heefjmebheefÊe kesÀ cetu³e ceW keÀceer Deewj y³eepe ceW keÀceer, ³eefo keÀesF& nes, kesÀ he´eJeOeeve
ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw ³eefo, efyeue 90 efoveeW mes keÀes Deefie´ceeW mes Ieìe efo³ee peelee nw.
DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e jnlee nw. 2.6 SveheerS hej efJeefMeä he´eJeOeeve kesÀ DeueeJee, ceewpetoe DeejyeerDeeF&
[er) ke=Àef<e Deefie´ceeW keÀes iewj-efve<heeefole kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee efoMeeefveoxMeeW kesÀ Devegmeej ceevekeÀ heefjmebheefÊe³eeW kesÀ efueS meeceev³e
peelee nw ³eefo, (1) íesìer DeJeefOe keÀer HeÀmeueeW kesÀ efueS, peneb he´eJeOeeve Yeer efkeÀS ieS nQ. ³es he´eJeOeeve legueve he$e keÀer Devegmet®eer
cetueOeve ³ee y³eepe keÀer efkeÀMle oes HeÀmeue ceewmeceeW kesÀ efueS 5 ceW ‘’Dev³e os³eleeSb Deewj he´eJeOeeve-Dev³e’’ Meer<e&keÀ kesÀ lenle
Deefleos³e nes; Deewj (ii) uebyeer DeJeefOe keÀer HeÀmeueeW kesÀ efueS, heefjueef#ele nesles nQ Deewj efveJeue SveheerS hej hengb®eves kesÀ efueS efJe®eej
peneb cetueOeve ³ee SkeÀ HeÀmeue ceewmece kesÀ efueS y³eepe Deefleos³e veneR efkeÀ³ee peelee nw.
nw 2.7 SveheerS kesÀ ªhe ceW Jeieeake=Àle $eÝCe KeeleeW kesÀ ceeceues ceW, SkeÀ
efjheesì&
2.2 iewj-efve<heeefole Deeeqmle³eeW keÀes Yeejleer³e efjpeJe& yeQkeÀ Üeje efve<heeove Deeefmle kesÀ ªhe ceW Keeles keÀes hegveJe&ieeake=Àle efkeÀ³ee pee
efveOee&efjle efvecveefueefKele ceeveob[eW kesÀ DeeOeej hej DeJeceevekeÀ, mekeÀlee nw ³eefo ³en efve³eecekeÀeW Üeje efveOee&efjle efoMeeefveoxMeeW kesÀ
mebefoiOe Deewj neefve Jeeueer Deeeqmle³eeW ceW Jeieeake=Àle efkeÀ³ee ie³ee Devegªhe nw.
nw: 2.8 efheíues Je<eeX ceW yeÆs Keeles ceW [eues ieS $eÝCeeW kesÀ mece#e Jemetue keÀer
S) DeJeceevekeÀ: SkeÀ $eÝCe heefjmebheefÊe pees 12 cenerves mes keÀce ³ee ieF& jeefMe keÀes Jemetueer kesÀ Je<e& ceW jepemJe kesÀ ªhe ceW ceev³elee oer
GmekesÀ yejeyej DeJeefOe kesÀ efueS iewj-efve<heeefole yeveer ngF& nw. peeleer nw.
2.9 hen®eeveer ieF& keÀcepeesjer Deewj/³ee ceewpetoe Deee|LekeÀ eqmLeefle keÀes
yeer) mebefoiOe : SkeÀ $eÝCe heefjmebheefÊe pees 12 cenerves keÀer DeJeefOe kesÀ osKeles ngS efJeefMeä heefjmebheefÊe³eeW ceW efve³eecekeÀ ceeveob[eW mes DeefOekeÀ
efue³es DeJeceevekeÀ ÞesCeer ceW yeveer ngF& nw DeefleefjÊeÀ he´eJeOeeve efkeÀS ieS nQ efJeÊeer³e
meer) neefve: SkeÀ $eÝCe heefjmebheefÊe peneb neefve keÀer hen®eeve keÀer ieF& 2.10 iewj-efve<heeefole Keeles ceW DeebefMekeÀ Jemetueer efvecveefueefKele ¬eÀce ceW
nw uesefkeÀve jeefMe hetjer lejn mes yeììs Keeles ceW vener [eueer ieF& efJeefve³eesefpele keÀer peeleer nw:
nQ.
i. cetue Deefleos³e/Deefve³eefceleleeSb.
2.3 SveheerS kesÀ efueS ÒeeJeOeeve efve³eecekeÀ he´eefOekeÀjCeeW Üeje efveOee&efjle
ii. Dehe´ehle y³eepe
ceewpetoe efoMeeefveoxMeeW kesÀ Devegmeej efkeÀS ieS nQ, pees veer®es efoS ieS
Devegmeej v³etvelece he´eJeOeeve kesÀ DeOeerve nw . iii. yeÆs Keeles ceW [euevee
jCeefveleer
DemLee³eer he´ke=Àefle kesÀ DeueeJee, keÀceer kesÀ efueS he´eJeOeeve efkeÀ³ee mes he´ehle efveJeue heefjmebheefÊe cetu³e keÀes Ssmes kesÀ cetu³eebkeÀve
ie³ee nw. kesÀ efueS efievee peelee nw.
#es$eer³e ie´eceerCe yeQkeÀeW ceW efveJesMe keÀe cetu³e Jenve ueeiele F&) ì^spejer efyeue Deewj JeeefCeeqp³ekeÀ he$eeW keÀe cetu³e Jenve
(DeLee&le yener cetu³e) hej ueiee³ee peelee nw. ueeiele hej efkeÀ³ee peelee nw.
yeer) efye¬eÀer kesÀ efueS GheueyOe Deewj ì^seE[ie kesÀ efueS Oeeefjle efveJesMe (SveheerDeeF&):
4.4
kesÀ ªhe ceW Jeieeake=Àle efveJesMeeW keÀe cetu³eebkeÀve: efye¬eÀer “JeeefCeeqp³ekeÀ yeQkeÀeW kesÀ efveJesMe heesì&HeÀesefue³ees keÀe JeieeakeÀjCe,
kesÀ efueS GheueyOe Deewj ì^seE[ie kesÀ efueS Oeeefjle kesÀ ªhe cetu³eebkeÀve Deewj meb®eeueve (efoMee ), 2021” Deewj “Dee³e hen®eeve,
ceW Jeieeake=Àle efveJesMeeW keÀes Deueie-Deueie yeepeej cetu³e ³ee mebheefÊe JeieeakeÀjCe Deewj Deefie´ce mes mebyebefOele he´eJeOeeveerkeÀjCe hej
efve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej efveOee&efjle Gef®ele cetu³e efJeJeskeÀhetCe& ceeveob[“ kesÀ DeeOeej hej he´oMe&ve Deewj iewj-efve<heeefole
met®evee
Deewj he´l³eskeÀ mecetn kesÀ Meg× cetu³eÛeme, ³eefo keÀesF& nes, hej kesÀ ªhe ceW Jeieeake=Àle efveJesMe efvecveevegmeej nQ:
hegvecet&u³eebkeÀve efkeÀ³ee peelee nw. he´l³eskeÀ ÞesCeer kesÀ efueS (DeLee&le
S) y³eepe/efkeÀmle (heefjhekeÌJelee jeefMe meefnle) os³e nw Deewj 90
(i) mejkeÀejer he´efleYetefle³eeb, (ii) Dev³e mJeerke=Àle he´efleYetefle³eeb,
efoveeW mes DeefOekeÀ mece³e mes yekeÀe³ee nw. Jener Jejer³elee Mes³ejeW
(iii) Mes³ej, (iv) yeeb[ Deewj ef[yeW®ej, (v) mene³ekeÀ Deewj
hej ueeiet neslee nw peneb efveeq½ele ueeYeebMe keÀe Yegieleeve veneR
meb³egÊeÀ GÐece Deewj (vi) (Dev³e) kesÀ efueS ÒeeJeOeeve efkeÀ³ee
efkeÀ³ee peelee nw.
peelee nw Deewj Meg× DeefYecetu³eve keÀer Ghes#ee keÀer peeleer nw.
yeer) FeqkeÌJeìer Mes³ejeW kesÀ ceeceues ceW, efkeÀmeer kebÀheveer kesÀ Mes³ejeW ceW
meer) efveJesMeeW kesÀ Deblej ÞesCeer nmleeblejCe keÀer eqmLeefle ceW
efveJesMe keÀer eqmLeefle ceW GvekeÀe cetu³e ©. 1 he´efle kebÀheveer ceevee
cetu³eebkeÀve veerefle:
peelee nw Deewj veJeervelece legueve he$e keÀer DevegheueyOelee kesÀ
efjheesì&
i) S®eSHeÀìer/SSHeÀSme ÞesCeer mes S®eìerSce ÞesCeer ceW keÀejCe, Gve FeqkeÌJeìer Mes³ejeW keÀes SveheerDeeF& kesÀ ªhe ceW ceevee
he´efleYetefle³eeW keÀe nmleeblejCe nmleeblejCe keÀer leejerKe peeSiee.
keÀes DeefOeie´nCe ueeiele/yegkeÀ Jewu³et/yeepeej cetu³e mes
meer) yeQkeÀ efkeÀmeer efveJesMe keÀes iewj-efve<heeefole efveJesMe kesÀ ªhe ceW Yeer
keÀce hej efkeÀ³ee peelee nw. Fme lejn kesÀ nmleeblejCe
Jeieeake=Àle keÀjlee nw, peneb SkeÀ ner GOeejkeÀlee&/mebmLee Üeje
hej cetu³eÛeme, ³eefo keÀesF& nes, kesÀ efueS hetjer lejn mes
ueer ieF& keÀesF& $eÝCe megefJeOee keÀes iewj-efve<heeefole heefjmebheefÊe kesÀ
he´eJeOeeve efkeÀ³ee ie³ee nw.
ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nw Deewj FmekesÀ efJehejerle.
ii) S®eìerSce ÞesCeer mes SSHeÀSme ÞesCeer ceW he´efleYetefle³eeW
[er) ef[yeW®ej/yeeb[ ceW efveJesMe, efpemes Deefie´ce ceevee peelee nw,
keÀe nmleeblejCe DeefOeie´nCe cetu³e/yegkeÀ Jewu³et hej
efveJesMe kesÀ efueS ueeiet SveheerDeeF& ceeveob[eW kesÀ DeOeerve Yeer nQ.
efkeÀ³ee peelee nw. nmleeblejCe hej, Fve he´efleYetefle³eeW keÀe
efJeÊeer³e
legjble hegvecet&u³eebkeÀve efkeÀ³ee peelee nw Deewj heefjCeeceer 4.5 jshees/efjJeme& jshees uesveosve kesÀ efueS uesKeebkeÀve
cetu³eÛeme, ³eefo keÀesF& nes, ueeYe Deewj neefve Keeles ceW yeQkeÀ DeejyeerDeeF& leLee yeepeej menYeeefie³eeW kesÀ meeLe lejuelee
oMee&³ee peelee nw. mecee³eespeve megefJeOee (SueSSHeÀ) kesÀ lenle hegveKe&jero leLee efjJe&me
[er) प्रतिभूतिकरण कं पनी (एएससी), परिसं पत्ति पुनर्निमाण hegveKe&jero uesve-osve keÀjlee nw. hegveKe&jero uesve-osve ceW he´efleYetefle³eeW
कं पनी (एआरसी) को एनपीए (वित्तीय परिसं पत्ति) keÀes yes®e keÀj GOeej, Fme mecePeewles kesÀ meeLe efue³ee peelee nw efkeÀ Gve
की बिक्री पर प्रतिभूति रसीद जारी करने के मामले में he´efleYetefle³eeW keÀes hegve: Kejero pee³esiee. otmejer Deesj efjJe&me hegveKe&jero
मूल्यांकन uesve-osve ceW he´efleYetefle³eeW keÀes Kejero keÀj GOeej efo³ee peelee nw.
i) Smemeer/Deejmeer keÀes SveheerS keÀer efye¬eÀer kesÀ ceeO³ece mes S) jshees /efjJeme& jshees kesÀ lenle yes®eer Deewj Kejeroer ieF& he´efleYetefle³eeW
he´ehle megj#ee he´eeqhle³eeW ceW efveJesMe, (i) efJeÊeer³e heefjmebheefÊe keÀes DeesJejveeFì ì^eF&-heeìea jshees (ì^shed) [ereEueie Deewj
keÀe efveJeue yener cetu³e (SveyeerJeer) (³eeveer yener cetu³e mes mesìueceWì kesÀ ªhe ceW efnmeeye ceW efue³ee peelee nw.
jCeefveleer
Ghe³eesieer peerJeve kesÀ DeeOeej hej meerOeer jsKee he×efle mes efkeÀ³ee peelee 9.1 keÀce&®eeefj³eeW Üeje Je<e& kesÀ oewjeve he´oeve keÀer peeves Jeeueer mesJeeDeeW kesÀ
nw. efueS keÀce&®eejer ueeYeeW Gheef®ele efkeÀ³ee ie³ee nQ.
7.5 99 Je<eeX kesÀ efueS heÆs hej ueer ie³eer Yetefce keÀes hetCe& mJeeefcelJe Jeeueer 9.2 ueIeg DeJeefOe keÀce&®eejer ueeYe:
Yetefce ceevee peelee nw leLee 99 Je<e& ³ee Gmemes keÀce Je<eeX Jeeueer Yetefce keÀce&®eeefj³eeW Üeje he´oeve keÀer ieF& mesJeeDeeW kesÀ yeoues ceW Yegieleeve
keÀes heÆs hej ueer ieF& Yetefce ceevee peelee nw. heÆsJeeueer Yetefce keÀe cetu³e efkeÀS peeves Jeeues DeuhekeÀeefuekeÀ keÀce&®eejer ueeYeeW keÀer efyevee ítì
heÆs keÀer DeJeefOe ceW heefjMeesefOele efkeÀ³ee peelee nw. Jeeueer jeefMe keÀes Gme DeJeefOe kesÀ oewjeve oMee&³ee peelee nw peye
7.6 peneb Yetefce Deewj heefjmej keÀer ueeiele keÀes Deueie keÀjvee mebYeJe veneR keÀce&®eejer mesJee he´oeve keÀjlee nw.
nw, Jeneb cetu³eÛeme meceie´ ueeiele hej efkeÀ³ee peeSiee. 9.3 heefjYeeef<ele ueeYe ³eespeveeSb:
met®evee
7.7 mebheefÊe³eeW kesÀ ceeceues ceW, efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, yeQkeÀ ie´s®³egìer Deewj heWMeve ³eespeveeSb meb®eeefuele keÀjlee nw pees
cetu³eÛeme / heefjMeesOeve hegvecet&u³eebkeÀve jeefMe hej he´oeve efkeÀ³ee peelee heefjYeeef<ele ueeYe ³eespeveeSb nQ.
nw Deewj ueeYe Deewj neefve Keeles ceW ueiee³ee peelee nw. hegvecet&u³eebkeÀve S) yeQkeÀ meYeer hee$e keÀce&®eeefj³eeW keÀes ie´s®³egìer he´oeve keÀjlee nw.
jeefMe kesÀ keÀejCe Je=ef×Meerue cetu³eÛeme / heefjMeesOeve keÀer jeefMe ³en ueeYe efveefnle keÀce&®eeefj³eeW keÀes meeefJeefOekeÀ ÒeeefOekeÀeefj³eeW
‘hegvecet&u³eebkeÀve efjpeJe& mes mLeeveebleefjle keÀer peeleer nw Deewj “jepemJe
Üeje efveOee&efjle meercee kesÀ DeOeerve mesJeemeceeefhle hej ³ee mesJee
Deewj Dev³e efj]peJe&’ ceW pecee keÀer peeleer nw keÀeue kesÀ oewjeve ce=l³eg hej, ³ee keÀce&®eeefj³eeW keÀer mesJeeefveJe=Êeefle
7.8 mebheefÊe ceW Je=ef× hej cetu³eÛeme, 30 efmelebyej lekeÀ hetjs Je<e& kesÀ efueS hej, he´l³eskeÀ hetCe& Je<e& kesÀ efueS os³e 15 efoveeW kesÀ cetue Jesleve
he´oeve efkeÀ³ee peelee nw Deewj GmekesÀ yeeo efkeÀS ieS heefjJeOe&ve hej kesÀ yejeyej jeefMe kesÀ efueS SkeÀcegMle Yegieleeve Òeoeve keÀjlee
De×& Jeee|<ekeÀ cetu³eÛeme he´oeve efkeÀ³ee peelee nw. íceener kesÀ efueS nw yeMeleX keÀce&®eejer Üeje 5 Je<e& keÀer mesJee hetCe& keÀer ie³eer
efjheesì&
30 efmelebyej mes henues yes®eer ieF& mebheefÊe hej keÀesF& cetu³eÛeme he´oeve nes. yeQkeÀ SkeÀ mJele$e yee¿eyeerceebefkeÀkeÀ cetu³eebkeÀve kesÀ DeeOeej
veneR efkeÀ³ee peelee nw Deewj 30 efmelebyej kesÀ yeeo yes®eer ieF& mebheefÊe hej hej v³eeefme³eeW Üeje he´Meeefmele efveefOe ceW DeeJeefOekeÀ DebMeoeve
DeÜ& Jeee|<ekeÀ kesÀ efueS cetu³eÛeme he´oeve efkeÀ³ee peelee nw. keÀjlee nw.
7.9 yeQkeÀ hegvecet&u³eebkeÀve kesÀ efueS kesÀJeue De®eue mebheefÊe hej efJe®eej yeer) yeQkeÀ meYeer hee$e keÀce&®eeefj³eeW keÀes heWMeve he´oeve keÀjlee nw.
keÀjlee nw. efheíues leerve Je<eeX kesÀ oewjeve Dee|pele mebheefÊe³eeW keÀe efveefnle keÀce&®eejer keÀes mesJeeefveJe=efÊe hej ³ee keÀce&®eeefj³eeW kesÀ
hegvecet&u³eebkeÀve veneR efkeÀ³ee peelee nw FmekesÀ yeeo nj leerve meeue ceW mesJee kesÀ oewjeve ce=l³eg nesves hej ³ee keÀce&®eeefj³eeW keÀer mesJee
hegvecet&u³eebkeÀve efkeÀ³ee peelee nw. keÀer meceeeqhle hej efve³eceeW kesÀ Devegmeej ceeefmekeÀ Yegieleeve mes
7.10 hegvecet&u³eebkeÀve kesÀ keÀejCe mebheefÊe kesÀ Meg× yener cetu³e ceW Je=ef× keÀes ³en ueeYe efceuelee nQ. efve³eceevegmeej efJeefYeVe ®ejCeeW ceW efveefnle
neslee nQ. heWMeve os³elee keÀer ieCevee he´efleJe<e& efkeÀ³es ie³es SkeÀ
efJeÊeer³e
ueeYe Deewj neefve Keeles kesÀ ceeO³ece mes ªì efkeÀS efyevee hegvecet&u³eebkeÀve
efjpeJe& Keeles ceW pecee efkeÀ³ee peelee nw. mJeleb$e yeerceebefkeÀkeÀ cetu³eebkeÀve kesÀ DeeOeej hej keÀer peeleer nQ
Deewj yeQkeÀ mece³e mece³e hej efveefOe ceW Ssmes DeefleefjkeÌle ³eesieoeve
hegvecet&u³eebefkeÀle mebheefÊe hej DeefleefjÊeÀ cetu³eÛeme ueiee³ee peelee nw
keÀjlee nw pees heWMeve efJeefve³eceeW kesÀ lenle ueeYeeW kesÀ Yegieleeve
ueeYe Deewj neefve Keeles ceW Deewj hegvecet&u³eebkeÀve efjpeJe& mes Dev³e
keÀes megjef#ele keÀjves kesÀ efue³es DeeJeM³ekeÀ nes.
jepemJe efjpeJe& keÀes efJeefve³eesefpele efkeÀ³ee ie³ee.
meer ) heefjYeeef<ele ueeYe he´oeve keÀjves keÀer ueeiele Devegceeefvele ³etefveì
7.11 hegvecet&u³eebkeÀve kesÀ mece³e cetu³eebefkeÀle heefjmebheefÊe kesÀ Ghe³eesieer peerJeve
¬esÀef[ì heÜefle keÀe Ghe³eesie keÀjkesÀ efveOee&efjle keÀer peeleer
keÀeue hej hegvecet&u³eebkeÀve keÀer ieF& mebheefÊe keÀe cetu³eÛeme efkeÀ³ee peelee
nw, efpemeceW he´l³eskeÀ legueve he$e Meerì efleefLe hej yeerceebefkeÀkeÀ
nw.
cetu³eebkeÀve efkeÀ³ee peelee nw. yeerceebefkeÀkeÀ ueeYe/neefve keÀes
8 mebheefÊe keÀer neefve: ueeYe Deewj neefve Keeles ceW legjble oMee&³ee peelee nw Deewj GvnW
De®eue mebheefÊe³eeW keÀer neefve kesÀ efueS meceer#ee keÀer peeleer nw peye Yeer DeemLeefiele veneR efkeÀ³ee peelee nQ.
IeìveeDeeW ³ee heefjeqmLeefle³eeW ceW heefjJele&ve kesÀ keÀejCe ³en DeeJeM³ekeÀ neslee
jCeefveleer
Mes³ej cetue Dee³e keÀer ieCevee Je<e& kesÀ oewjeve yekeÀe³ee FeqkeÌJeìer Mes³ej Deewmele mebK³ee keÀe Ghe³eesie keÀjkesÀ keÀer peeleer nw.
keÀer Yeeefjle Deewmele mebK³ee mes FeqkeÌJeìer Mes³ejOeejkeÀeW kesÀ keÀejCe Je<e&
met®evee
Þeer nee|okeÀ Sce mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þeer he´oerhe ÒeeCeueeue efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meer.S efjlesMe Deie´Jeeue) (meer.S efkeÀjCe kesÀ.oHeÌlejer) (meer.S efJepe³e Mesueej) (meer.S heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeF&heer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeFhee[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeFhee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeFhee[yuetmeermeer2861
efjheesì&
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
efJeÊeer³e
Deefie´ce 1310.10 408.20 544.90 2570.13 3543.48 3195.04 5233.16 10404.10 90440.66 16139.71 34384.02 168173.50
efveJesMe 42936.96 1022.77 1533.68 331.59 4485.87 1054.03 2607.41 6143.02 14123.63 22811.90 43736.08 140786.95
GOeej # 3.28 - 64.77 - 64.77 67.81 245.33 534.28 3349.06 5.96 - 4335.26
efJeosMeer cegêe Deeefmle³eeb 611.07 847.09 202.83 6886.57 - 7844.80 23491.25 47715.46 79.51 0.61 - 87679.20
efJeosMeer cegêe os³eeleeSb 320.27 1155.33 42.28 6953.63 - 8148.52 22304.46 47682.45 1023.44 39.91 - 87670.29
185
efJeÊeer³e efjheesì& met®evee jCeefveleer
®eueefveefOe keÀJejspe Devegheele (SuemeerDeej) - cee$eelcekeÀ he´keÀìerkeÀjCe
(jeefMe ₹ keÀjesæ[ ceW)
31.03.2022 31.12.2021 30.09.2021 30.06.2021
kegÀue kegÀue Yeeefjle kegÀue kegÀue Yeeefjle kegÀue kegÀue Yeeefjle kegÀue kegÀue Yeeefjle
Yeejjefnle cetu³e Yeejjefnle cetu³e Yeejjefnle cetu³e Yeejjefnle cetu³e
cetu³e (Deewmele) cetu³e (Deewmele) cetu³e (Deewmele) cetu³e (Deewmele)
(Deewmele) (Deewmele) (Deewmele) (Deewmele)
G®®e iegCeJeÊee keÀer lejue Deeefmle³eeb
1 kegÀue G®®e iegCeJeÊee keÀer lejue Deeefmle³eeb 130947 134460 133402 128085
(S®eke̳etSueS)
vekeÀoer yeefnJee&n
2 Kegoje pecee Deewj íesìs J³eJemee³e kesÀ
ie´enkeÀeW mes Deewj pecee, efpeveceW mes:
(i) eqmLej peceeSb 165111 8256 163910 8196 162803 8140 164395 8220
(ii) keÀce eqmLej peceeSb 134825 13483 137803 13780 139520 13952 141041 14104
ii) iewj-heefj®eeueveelcekeÀ peceeSb(meYeer 29883 12715 29853 12680 31100 13118 30852 13189
he´eflehe#ekeÀej)
iii) Dejef#ele $eÝCe 0 0 0 0 0 0 0 0
6 Dev³e mebefJeoelcekeÀ efveefOe³eve oeef³elJe 2470 2470 2446 2446 2851 2851 2913 2913
7 Dev³e DeekeÀeqmcekeÀ efveefOe³eve oeef³elJe 77308 3591 92266 4346 91701 4326 131981 6350
vekeÀoer he´Jeen
9 jef#ele GOeej (pewmes efjJeme& jshees) 17879 0 23506 0 29605 0 26828 0
10 hetCe&leë keÀe³e&efve<heeove SkeÌmeheespej mes 1367 1367 5467 5467 3809 3809 1777 1777
DebleJee&n
11 Dev³e vekeÀoer he´Jeen 15308 13983 11951 11028 14691 13717 22466 21698
12 kegÀue vekeÀo DebleJee&n 34454 15350 40925 16495 47798 17525 51071 23475
kegÀue mecee³eesefpele cetu³e kegÀue mecee³eesefpele cetu³e kegÀue mecee³eesefpele cetu³e kegÀue mecee³eesefpele cetu³e
13 kegÀue S®eke̳etSueS 130947 134460 133402 128085
jCeefveleer
nQ.
3) SuemeerDeej keÀe SkeÀ Dev³e he´cegKe meb®eeuekeÀ vekeÀo DebleJee&n nw. vekeÀoer he´Jeen kesÀ cegK³e IeìkeÀ
he´eflehe#e Deewj Meg× J³eglheVe vekeÀoer he´Jeen Üeje DebleJee&n nQ.
yeer. Deblej-DeJeefOe heefjJele&ve kesÀ meeLe-meeLe ueeiet veneR
mece³e kesÀ meeLe heefjJele&ve
meer S®eke̳etSueS keÀer mebj®evee S®eke̳etSueS ceW efvecveefueefKele Meeefceue nQ:
1. mlej 1 keÀer mebheefÊe ceW DeefOeMes<e SmeSueDeej efveJesMe ceW (jshees, meeryeerSueDees, SceSmeSHeÀ,
¬eÀe@cme kesÀ efJe©Oo Yeej ie´mle mebheoe SJeb DeejìerpeerSme, SmepeerSHeÀ, ScemeerSkeÌme, SveSmemeermeerSue
Deeefo kesÀ efueS efiejJeer jKeer ieF& Dev³e he´efleYetefle³eeW kesÀ efueS efveJeue) Meeefceue nw Deewj DeejyeerDeeF&
kesÀ heefjhe$e mebK³ee kesÀ Devegmeej.DeejyeerDeeF&/2018-19/164 [eryeerDeej.yeerheer.yeermeer.
meb.34/21.04.098/2018-19 efoveebkeÀ 04/04/2019 kesÀ Devegmeej SceSmeSHeÀ kesÀ efueS ueeiet
met®evee
Sve[erìerSue keÀe 2% Deewj Sve[erìerSue (SHeÀSSueSuemeerDeej) keÀe 15.00%.
2. mlej 2 S keÀer mebheefÊe ceW jep³e mejkeÀej Üeje peejer efJeMes<e (ef[mkeÀe@ce) yeeb[, jep³e efyepeueer
efJelejCe kebÀheefve³eeW SJeb keWÀê mejkeÀej kesÀ meeJe&peefvekeÀ Ghe¬eÀceeW Üeje peejer yeeb[, efJeÊe kebÀheefve³eeW
Deewj SS- Deewj Gmemes Thej keÀer jseEìie Jeeues efvepeer keÀe@jheesjsìdme kesÀ yee@v[ keÀes keÀes íesæ[keÀj,
efpemeceW efJeÊe kebÀheefve³eeb Meeefceue veneR nQ.
3. mlej 2yeer Deeeqmle³eeW ceW efJeÊe kebÀheefve³eeW keÀes íesæ[keÀj yeeryeeryeer- mes S+ keÀer jseEìie Jeeues keÀe@
jheesjsìdme kesÀ yee@v[ Meeefceue nQ.
4. mlej 2yeer Deeeqmle³eeW ceW efJeÊe kebÀheefve³eeW keÀes íesæ[keÀj efveHeÌìer/meWmeskeÌme kesÀ Mes³ej Yeer Meeefceue nQ.
[er efveefOe³eve ñeesleeW keÀer SkeÀeie´lee yeQkeÀ he´l³eskeÀ cenlJehetCe& he´eflehe#e, he´l³eskeÀ cenlJehetCe& Glheeo / efueKele Deewj he´l³eskeÀ cenlJehetCe& cegêe
(‘cenlJehetCe&’ keÀes yeQkeÀ keÀer osveoeefj³eeW kesÀ 1% mes DeefOekeÀ keÀer kegÀue jeefMe kesÀ ªhe ceW heefjYeeef<ele efkeÀ³ee
efjheesì&
ie³ee nw) mes Deheves efJeÊe hees<eCe keÀer efveiejeveer keÀjkesÀ Oeve keÀer SkeÀeie´lee keÀes mebyeesefOele keÀjlee nw.
F J³eglheVe SkeÌmeheespej Deewj mebYeeefJele yeQkeÀ kesÀ [sefjJesefìJe SkeÌmeheespej ceW efvecveefueefKele Meeefceue nQ:
mebheee|éekeÀ keÀe@ue 1. Deesìermeer [sefjJesefìJme
S) HeÀe@jJe[&
yeer) keÀjWmeer mJewhe
meer) y³eepe oj mJewhe
2. SkeÌme®eWpe ì^s[s[ [sefjJesefìJme
S) keÀjWmeer He̳et®eme&
efJeÊeer³e
Keg oje peceeSb leLee ueIeg J³eJemee³e Jeeues ie´enkeÀeW 270607.03 252969.53 260760.93 243645.89
4
mes pecee: (5+6)
5 eqmLej pecee - 188464.00 - 179040.80 - - 179221.18 - 170260.12
6 keÀce eqmLej pecee - 82143.03 - 73928.73 - - 81539.75 - 73385.78
7 LeeskeÀ efJeÊe hees<eCe: (8+9) 10081.53 9028.04 1420.66 9317.18 7069.19 8148.25
8 heefj®eeueve pecee - - - 0.00 - - - - 0.00
9 Dev³e LeeskeÀ efJeÊe hees<eCe 10081.53 9028.04 1420.66 9317.18 16400.48 9497.49 7069.19 4226.59 8148.25
- 11,635.86 38,319.55
10 Dev³e osveoeefj³eeb: (11+12)
36,963.19
11 SveSmeSHeÀDeej J³eglheVe osveoeefj³eeb - - - - - -
Dev³e meYeer osveoeefj³eeb Deewj FeqkeÌJeìer GhejesÊeÀ - 11635.86 36963.19 38319.55 - - 3668.53 52164.96 56492.05
12
ÞesefCe³eeW ceW Meeefceue veneR nQ
DeejSmeSHeÀ DeeFìce
kegÀue SveSmeSHeÀDeej G®®e iegCeJeÊee Jeeueer lejue 7075.67 8473.75
14
mebheefÊe (S®eke̳eg SueS)
heefj®eeueve GÎsM³eeW kesÀ efueS Dev³e efJeÊeer³e - - - - - - - - - -
15
189
mebmLeeveeW ceW peceejeefMe³eeb
$eÝCe Deewj he´efleYetefle³eeW keÀe efve<heeove: - 1851.03 1918.66 126795.13 99533.47 - 1213.06 1833.73 77318.86 58916.03
16
(17+18+19+21+23)
mlej 1 S®eke̳etSueS Üeje megjef#ele efJeÊeer³e - - - - - - - - - -
17
mebmLeeveeW keÀes $eÝCe osvee
190
iewj-mlej 1 S®eke̳etSueS Üeje mebjeef#ele efJeÊeer³e - 1,851.03 1,918.66 1236.99 - 1,833.73 - 1098.82
18 mebmLeeveeW keÀes $eÝCe Deewj efJeÊeer³e mebmLeeveeW keÀes 1,213.06
Demegjef#ele efve<heeefole $eÝCe
iewj-efJeÊeer³e keÀe@heexjsì ie´enkeÀeW keÀes efve<heeefole - - - 85220.77 - - - 45137.29
$eÝCe, Kegoje SJeb ueIeg J³eJemee³e Jeeues ie´enkeÀeW 106,678.64 57,811.29
19
keÀes $eÝCe, Deewj mebhe´Yeg, keWÀêer³e yeQkeÀeW leLee
meeJe&peefvekeÀ Ghe¬eÀceeW keÀes $eÝCe efpeveceW :
ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ lenle 35% mes keÀce ³ee - - - 17732.25 - - - 13007.50
20
meceeve peesefKece Yeej kesÀ meeLe 27,280.38 20,011.53
21 efve<heeefole DeeJeemeer³e yebOekeÀ, efpeveceW: - - - 20116.4934 13075.72 - - - 19507.57 12679.92
[sefjJesefìJe DevegyebOeeW kesÀ efueS he´ejbefYekeÀ ceee|peve - - 7934.85 6744.62 - - 12380.00 10523.00
26 kesÀ ªhe ceW ope& Deeeqmle³eeb Deewj meermeerheer kesÀ ef[]HeÀe@
uì HebÀ[ ceW ³eesieoeve
27 SveSmeSHeÀDeej [sefjJesefìJe Deeeqmle³eeb - - 87.28 87.28 - - 143.11 143.11
ope& keÀer ieF& efYeVe ceee|peve keÀer keÀìewleer mes henues - - 28.45 28.45 - - 48.32 48.32
28
SveSmeSHeÀDeej [sefjJesefìJe os³eleeSb
Dev³e meYeer Deeeqmle³eeb pees GhejesÊeÀ ÞesefCe³eeW ceW - - 31182.94 59778.59 74530.51 - - 43058.30 93693.63 114235.47
29
Meeefceue veneR nQ
30 Dee@HeÀ-yewueWme Meerì ceoW 191081.61 5983.68 164988.05 5206.93
31 kegÀue DeejSmeSHeÀ (14+15+16+24+30) 193983.68 197546.62
32 Meg× eqmLej efveefOe Devegheele (%) 168.67% 171.05%
3. efveJesMe
S. efveJesMe heesì&HeÀesefue³ees keÀer mebj®evee efo: 31/03/2022 kesÀ Devegmeej
Yeejle ceW ve efveJesMe Yeejle kesÀ yeenj efveJesMe kegÀue efveJesMe
mejkeÀejer Dev³e Mes³ej ef[yeW®ej SJeb Deveg<ebefie³eeb Dev³e Yeejle ceW mejkeÀejer Deveg<ebefie³eeb Dev³e Yeejle ceW
he´efleYetefle³eeb Devegceesefole yee@C[ SJeb meb³egÊeÀ kegÀue efveJesMe he´efleYetefle³eeb SJeb meb³egÊeÀ kegÀue efveJesMe
he´efleYetefle³eeb GÐece (mLeeefve³e GÐece
he´eefOekeÀjCeeW
meefnle )
heefjhekeÌJelee lekeÀ Oeeefjle
mekeÀue 72813.03 - 7.54 27551.75 257.98 126.28 100756.59 - 47.49 - 47.49 100804.08
IeìeSb : iewj-efve<heeokeÀ efveJesMeeW - - - - - - - - - - - -
(SveheerDeeF&) kesÀ efueS he´eJeOeeve
Meg× 72813.03 - 7.54 27551.75 257.98 126.28 100756.59 - 47.49 - 47.49 100804.08
efye¬eÀer kesÀ efueS GheueyOe
mekeÀue 33042.53 - 2979.99 7044.88 - 2901.69 45969.10 - - - - 45969.10
IeìeSb : cetu³eÛeme SJeb SveheerDeeF& kesÀ 332.60 - 2104.16 818.19 - 2717.22 5972.17 - - - - 5972.17
efueS he´eJeOeeve
Meg× 32709.94 - 875.83 6226.69 - 184.47 39996.93 - - - - 39996.93
J³eeheej kesÀ efueS Oeeefjle
mekeÀue (13.91) - - - - - (13.91) - - - - (13.91)
IeìeSb : cetu³eÛeme SJeb SveheerDeeF& kesÀ 0.14 - - - - - 0.14 - - - - 0.14
efueS he´eJeOeeve
Meg× (14.05) - - - - - (14.05) - - - - (14.05)
kegÀue efveJesMe
mekeÀue 105841.66 - 2987.53 34596.63 257.98 3027.97 146711.77 - 47.49 - 47.49 146759.26
IeìeSb : iewj-efve<heeokeÀ efveJesMeeW kesÀ efueS
31.03.2022 keÀes
191
(jeefMe ₹ keÀjesæ[ ceW)
veesì: GhejesÊeÀ jeefMe ceW 31 cee®e&, 2022 lekeÀ Yeejie´mle he´efleYetefle³eeb Meeefceue nQ DebefkeÀle cetu³e
meermeerDeeF&Sue kesÀ meeLe mebheee|éekeÀ/ceee|peve - ìerDeejF&heerSme 14,744.00
meermeerDeeF&Sue kesÀ meeLe ceee|peve Deewj ef[HeÀe@uì HebÀ[, SveSmeF& eqkeÌue³eeEjie kesÀ meeLe efmeke̳eesefjìerpe, ScemeerSkeÌme eqkeÌue³eeEjie, DeejyeerDeeF& DeejìerpeerSme 5,816.00
kegÀue 24,090.00
192
meefnle )
heefjhekeÌJelee lekeÀ Oeeefjle
mekeÀue 64046.11 - 7.54 28999.69 257.98 58.00 93369.33 - 47.49 - 47.49 93416.82
IeìeSb : iewj-efve<heeokeÀ efveJesMeeW - - - - - - - - - - -
(SveheerDeeF&) kesÀ efueS he´eJeOeeve
Meg× 64046.11 - 7.54 28999.69 257.98 58.00 93369.33 - 47.49 - 47.49 93416.82
efye¬eÀer kesÀ efueS GheueyOe
mekeÀue 46269.23 - 3031.28 7383.99 - 3618.43 60302.93 - - - - 60302.93
IeìeSb : cetu³eÛeme SJeb SveheerDeeF& kesÀ 55.86 - 2248.27 986.44 - 1947.05 5237.63 - - - - 5237.63
efueS he´eJeOeeve
Meg× 46213.37 - 783.01 6397.55 - 1671.38 55065.30 - - - - 55065.30
J³eeheej kesÀ efueS Oeeefjle
98.94 - 1.37 - - - 100.32 - - - - 100.32
meermeerDeeF&Sue kesÀ meeLe ceee|peve Deewj ef[HeÀe@uì HebÀ[, SveSmeF& eqkeÌue³eeEjie kesÀ meeLe efmeke̳eesefjìerpe, ScemeerSkeÌme eqkeÌue³eeEjie, DeejyeerDeeF& DeejìerpeerSme 2,306.00
kegÀue 16,686.00
yeer. efveJesMe keÀe cetu³e
(jeefMe ₹ keÀjesæ[ ceW)
¬eÀ. efJeJejCe 31.03.2022 31.03.2021
1) efveJesMe keÀe cetu³e
(i) efveJesMe keÀe mekeÀue cetu³e 1,46,759.26 1,53,820.06
SkeÀ) Yeejle ceW 1,46,711.77 1,53,772.57
yeer) Yeejle kesÀ yeenj 47.49 47.49
ii) cetu³eÛeme kesÀ efueS he´eJeOeeve 5,972.31 5,237.63
jCeefveleer
SkeÀ) Yeejle ceW 5,972.31 5,237.63
Jele&ceeve cetu³eve hej cetu³eÛeme nsleg DeefleefjÊeÀ he´eJeOeeve (mLeeveeblejCe kesÀ mece³e Oeeefjle) 0.00 0.00
kegÀue 5,972.31 5,237.63
yeer) Yeejle kesÀ yeenj 0.00 0.00
iii) efveJesMe keÀe Meg× cetu³e 1,40,786.95 1,48,582.44
SkeÀ) Yeejle ceW 1,40,739.46 1,48,534.95
yeer) Yeejle kesÀ yeenj 47.49 47.49
meer. cetu³eÛeme Deewj efveJesMe ceW Gleej-®eæ{eJe efjpeJe& nsleg he´eJeOeeveeW keÀe meb®eueve
met®evee
(jeefMe ₹ keÀjesæ[ ceW)
¬eÀ. efJeJejCe 31.03.2022 31.03.2021
i) efveJesMe hej cetu³eÛeme keÀer efoMee ceW Oeeefjle he´eJeOeeveeW keÀe meb®eueve
S) ÒeejbefYekeÀ Mes<e 5237.63 4840.33
yeer) peesæ[W: Je<e& kesÀ oewjeve efkeÀS ieS he´eJeOeeve 884.53 1314.43
meer) IeìeSb: Je<e& kesÀ oewjeve DeefleefjÊeÀ he´eJeOeeveeW keÀes yeÆs Keeles ceW [euevee/yeÆs Keeles ceW [euevee 149.85 917.13
efjheesì&
ii) efveJesMe ceW Gleej-®eæ{eJe efjpeJe& keÀe meb®eueve
ÒeejbefYekeÀ Mes<e - -
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kesÀ SkeÀcegMle nmleeblejCe keÀes íesæ[keÀj, efveosMekeÀ ceb[ue kesÀ Devegceesove mes he´ehle Devegceefle kesÀ Devegmeej, yeQkeÀeW Üeje uesKee Je<e& keÀer Meg©Deele ceW ³en Devegceefle
efveJesMe hej cetu³eÛeme kesÀ he´eJeOeeveeW keÀe meb®eueve kegÀue heer Sue
he´ejbefYekeÀ Mes<e 5453.20 3427.10
peer. megj#ee jmeero ceW efveJesMe kesÀ yener cetu³e keÀe efJeJejCe
megj#ee he´eeqhle³eeW ceW efveJesMe kesÀ yener cetu³e keÀe efJeJejCe efvecveevegmeej nw:
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
(i) yeQkeÀ Üeje Debleefve&efnle kesÀ ªhe ceW yes®es ieS SveheerS Üeje mecee|Lele 2481.82 2633.26
(ii) Dev³e yeQkeÀeW/efJeÊeer³e mebmLeeveeW/iewj-yeQeEkeÀie efJeÊeer³e kebÀheefve³eeW Üeje yes®es ieS SveheerS Üeje 1.88 1.88
mecee|Lele
kegÀue 2483.70 2635.14
DeeF&. 31.03.2022 keÀer eqmLeefle kesÀ Devegmeej yeQkeÀ Üeje Oeeefjle megj#ee jmeeroeW keÀes oer ieF& Jemetueer jseEìie
yeQkeÀ kesÀ heeme 30/03/2022 keÀes ª 2483.70 keÀjesæ[ keÀe efveJesMe megj#ee he´eeqhle³eeW kesÀ ªhe ceW nw.FmekeÀe jseEìie Jeej efJelejCe efvecveevegmeej nw:
megj#ee he´eeqhle keÀer jseEìie yegkeÀ Jewu³et 31.03.2022
Deej 1 31,37,83,143.95
Deej 2 2,36,89,97,705.11
Deej 3 18,33,70,000.00
Deej4 34,23,34,250.00
Deej 5 20,07,33,03,000.00
jseEìie Jeeheme ueer ieF& 1,55,52,00,624.20
kegÀue ³eesie 24,83,69,88,723.26
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efvepeer keÀe@heexjsì 5577 6925 3540 2970 872 870 57 27 801 801
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kegÀue* 40917 43406 6675 5904 1457 6627 27375 27448 26009 26157
kegÀue ³eesie 35278 38224 6675 5904 1457 6627 27375 27448 26009 26157
veesì: (1) * keÀe@uece 3 kesÀ lenle kegÀue, yewueWme Meerì keÀer Devegmet®eer 8 ceW efvecveefueefKele ÞesefCe³eeW kesÀ lenle Meeefceue kegÀue efveJesMe kesÀ meeLe cesue Keevee ®eeefnS:
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(yeer) ef[yeW®ej Deewj yeeb[
195
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197
Devegheele (he´efleMele ceW) 31.03.2022 31.03.2021
Deefie´ceeW keÀer kegÀue yekeÀe³ee jeefMe (SHeÀyeer + SveSHeÀyeer) keÀes yener-$eÝCe Üeje megjef#ele efkeÀ³ee ie³ee 31.03.2022 lekeÀ ₹15847.89 keÀjesæ[(31.03.2021
keÀes ₹16718.70 keÀjesæ[ kesÀ cegkeÀeyeues)
meer) #es$eJeej Deefie´ce- SveheerS keÀe meb®eueve
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2022 31.03.2021
Ieìe³ee ie³ee :-
(i) GVe³eve 1337.14 804.82
(ii) Jemetueer (GVele KeeleeW mes keÀer ieF& Jemetueer keÀes íesæ[keÀj)* SveheerS keÀer efye¬eÀer 3266.03 2963.39
(iv) Thej (iii) kesÀ lenle GvekesÀ DeueeJee Dev³e yeÆs Keeles ceW [euevee 1235.50 1182.82
1 Dehe´wue keÀer eqmLeefle kesÀ Devegmeej lekeÀveerkeÀer/efJeJeskeÀhetCe& yeÆs Keeles ceW [eues ieS KeeleeW keÀer Mes<e jeefMe 22478.36 18204.84
Ieìe³es : Je<e& kesÀ oewjeve henues kesÀ lekeÀveerkeÀer/efJeJeskeÀhetCe& yeÆs Keeles ceW [eues ieS KeeleeW mes keÀer ieF& 485.95* 536.1
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* FmeceW ₹ 149.43 keÀjesæ[ (efheíues Je<e& ₹ 128.70 keÀjesæ[) kesÀ efve³eefcele yeÆs Keeles ceW [eueves kesÀ efueS ªheeblejCe Meeefceue nw, F&meerpeermeer oeJee efJeefve³eesie
jeefMe ₹ 19.13 keÀjesæ[ nw.
e) efJeosMeer Deeefmle³eeb, SveheerS Deewj jepemJe
(jeefMe ₹ keÀjesæ[ ceW )
efJeJejCe 31.03.2022 31.03.2021
met®evee
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kesÀ efueS ₹4348.68 keÀjesæ[ kesÀ kegÀue SkeÌmeheespej kesÀ efueS meceeOeeve ³eespeveeSb ueeiet keÀer nQ. 31.03.2022 keÀes Ssmes nue efkeÀS ieS KeeleeW ceW kegÀue
yekeÀe³ee jeefMe ₹2457.99 keÀjesæ[ Leer.
peer) $eÝCe SkeÌmeheespej kesÀ nmleeblejCe keÀe he´keÀìerkeÀjCe (SmeSceS)
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5. ueeYekeÀejer Deee|LekeÀ efnleeW keÀer DeJeOeejCee Metv³e Metv³e Metv³e
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efJeJejCe 31.03.2022 keÀes 31.03.2022 keÀes 31.03.2021 keÀes
met®evee
meceehle efleceener meceehle Je<e& meceehle Je<e&
1. Je<e& kesÀ oewjeve Kejeros ieS KeeleeW keÀer mebK³ee 89604 162184 336364
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kesÀ keÀe³ee&vJe³eve $eÝCe pees íceener kesÀ oewjeve yeÆs kesÀ oewjeve Deble ceW meceeOeeve
kesÀ heefjCeecemJeªhe kesÀ oewjeve SveheerS Keeles ceW [eueer GOeejkeÀlee&DeeW ³eespevee-eqmLeefle kesÀ
ceevekeÀ kesÀ ªhe ceW ceW eqmuehe ngDee ieF& jeefMe Üeje Yegieleeve keÀe³ee&vJe³eve kesÀ
Jeieeake=Àle KeeleeW kesÀ keÀer ieF& jeefMe*** heefjCeecemJeªhe
efueS SkeÌmeheespej- ceevekeÀ kesÀ ªhe ceW
efheíueer íceener Jeieeake=Àle KeeleeW kesÀ
kesÀ Deble ceW eqmLeefle efueS SkeÌmeheespej
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efpeveceW mes Sce Sme Sce F& 466.24 7.47 NIL 61.05 397.72
Dev³e 3055.60 135.54 - 193.37 2726.69
kegÀue 8484.46 1006.29 NIL 811.72 6666.45
*pewmee efkeÀ efoJeeuee Deewj efoJeeefue³eeheve mebefnlee, 2016 keÀer Oeeje 3(7) ceW heefjYeeef<ele efkeÀ³ee ie³ee nw **FmeceW Jes Keeles Meeefceue nQ peneb DevegjesOe 30
efmelebyej, 2021 lekeÀ he´ehle ngDee Deewj yeeo ceW ueeiet efkeÀ³ee ie³ee. he´keÀìerkeÀjCe ceW ie´enkeÀ-Jeej SkeÌmeheespej efue³ee ie³ee nw.
***Fme DeJeefOe kesÀ oewjeve SkeÌmeheespej ceW Meg× heefjJele&ve Meeefceue nw.
#J³eefÊeÀiele $eÝCe, Kegoje Deefie´ceeW keÀe he´efleefveefOelJe keÀjlee nw.
Gme hej he´eJeOeeve 0.01 0.00 0.00 0.00 0.01 53.78 5.52 1.68 0.00 60.98 40.03 1.95 8.28 0.00 50.26 93.82 7.47 9.96 0.00 111.25
2 Je<e& kesÀ oewjeve veJe hegveie&þve GOeejkeÀlee&DeeW keÀer 0 0 0 0 0 12677 1972 38 88 14775 38948 1345 287 19 40599 51625 3317 325 107 55374
mebK³ee
yekeÀe³ee Mes<e 0.00 0.00 0.00 0.00 0.00 1716.55 110.23 15.42 3.08 1845.29 4235.90 74.38 774.39 24.61 5109.28 5952.45 184.61 789.82 27.69 6954.58
Gme hej he´eJeOeeve 0.00 0.00 0.00 0.00 0.53 0.05 0.05 0.00 0.63 2.09 0.15 0.20 0.00 2.44 2.62 0.20 0.25 0.00 3.07
3 efJeÊeer³e Je<e& kesÀ oewjeve hegveie&eþf le GOeejkeÀlee&DeeW keÀer 0 0 0 0 0 356 -326 -8 -22 0 284 -256 -19 -9 0 640 -582 -27 -31 0
ceevekeÀ ÞesCeer ceW GVe³eve mebK³ee
yekeÀe³ee Mes<e 0.00 0.00 0.00 0.00 0.00 27.24 -24.43 -1.04 -1.77 0.00 25.53 -22.25 -1.61 -1.67 0.00 52.77 -46.68 -2.65 -3.44 0.00
Gme hej he´eJeOeeve 0.00 0.00 0.00 0.00 0.00 0.73 -0.65 -0.04 -0.04 0.00 0.58 -0.49 -0.07 -0.01 0.00 1.31 -1.15 -0.11 -0.05 0.00
4 hegveie&eþf le ceevekeÀ Deefie´ce GOeejkeÀlee&DeeW keÀer 0 0 0 0 0 0 0 0
efpevekeÀe G®®e he´eJeOeeve keÀjvee mebK³ee
heæ[e Deewj /DeLeJee efJeÊe yekeÀe³ee Mes<e 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Je<e& kesÀ Deble ceW DeefleefjÊeÀ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Gme hej he´eJeOeeve
peeseKf ece Yeeefjlee Deewj GmekesÀ
keÀejCe Deieues efJeÊe Je<e&
kesÀ he´ejbYe ceW GvnW hegveie&eþf le
ceevekeÀ Deefie´ceeW ceW efoKeeves
keÀer DeeJeM³ekeÀlee vener nw.
5 0 0 0 0 0 -4444 3954 24 466 0 -840 784 20 36 0 -5284 4738 44 502 0
Gme hej he´eJeOeeve 0.00 0.00 0.00 0.00 0.00 -3.05 3.04 0.01 0.00 0.00 -0.97 0.95 0.02 0.00 0.00 -4.02 3.99 0.03 0.00 0.00
6 efJeÊe Je<e& kesÀ oewjeve yeÆs Keeles ceW GOeejkeÀlee&DeeW keÀer -1 0 -1 0 -2 -1637 -2278 1938 4 -1973 -2808 -862 -93 4 -3759 -4446 -3140.00 1844.00 8.00 -5734
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7 0 0 7 1 8 31521 6290 2957 977 41745 44457 1845 4274 123 50699 75978 8135 7238 1101 92452
203
31.03.2021 keÀes hegvej&e®f ele GOeejkeÀlee&DeeW keÀer
Keelee (Debelf ece DeebkeÀ*s) mebK³ee
yekeÀe³ee Mes<e 0.00 0.00 407.49 122.03 529.52 3274.20 360.13 359.27 43.67 4037.28 5519.61 86.88 5023.98 2179.65 12810.12 8793.81 447.01 5790.74 2345.36 17376.92
Gme hej he´eJeOeeve 0.00 0.00 0.00 0.00 0.00 21.26 3.17 3.30 0.00 27.73 29.85 1.13 2.42 0.00 33.40 57.66 4.30 5.72 0.00 67.68
heermeerDeej (lekeÀveerkeÀer yeÆs Keeles ceW [eueves meefnle) 86.69% (efheíues Je<e& 82.54%) jne.
heermeerDeej (lekeÀveerkeÀer jeFì Dee@HeÀ keÀes íesæ[keÀj) 76.29% (efheíues Je<e& 69.13%) hej jne.
ke̳et) DeeF&SueSHeÀSme mebmLeeDeeW kesÀ mebyebOe ceW he´keÀìerkeÀjCe
DeejyeerDeeF& kesÀ heefjhe$e mebK³ee DeejyeerDeeF&/2018-19/175 yeerDeej.yeerheer.yeermeer.meb.37/21.04.048/2018-19 efoveebkeÀ 24.04.2019 kesÀ
Devegmeej 31.03.2022 keÀes eqmLeefle Fme he´keÀej nw
(jeefMe ₹ keÀjesæ[ ceW)
yekeÀe³ee jeefMe (1) ceW mes, SkeÌmeheespej DeeF&DeejSmeer JeemleefJekeÀ efJeJejCe
keÀer kegÀue jeefMe pees ceeveob[eW kesÀ Devegmeej he´eJeOeeve
DeeF&DeejSmeer ceeveob[eW efkeÀS peeves Jeeues
kesÀ Devegmeej SveheerS nw he´eJeOeeve
Deewj SveheerS kesÀ ªhe ceW
Jeieeake=Àle veneR nw.
1 2 3 4 5
193.31 0 193.31 193.31 ILFS FIN CP
16.49 0 16.49 16.49 ILFS EQ
2.47 2.47 1.36 1.36 New TIRUPUR
212.27 2.47 211.16 211.16 kegÀue
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Jemetueer ³eesi³e ceevee ie³ee nw. yeQkeÀ kesÀ heeme efiejJeer jKeer ieF& mebheefÊe³eeW/mebheefÊe³eeW keÀe DeekeÀueve Deewj yeQkeÀ kesÀ heeme GheueyOe Dev³e DeebkeÀæ[s GheueyOe nw.
yeer uesKee Je<e& ceW efkeÀS ieS he´efle®e¬eÀer³e he´eJeOeeveeW keÀer cee$ee - -
meer uesKee Je<e& kesÀ oewjeve efkeÀS ieS DeenjCe keÀer jeefMe. 47.34 -
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(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
yeer uesKee Je<e& ceW efkeÀS ieS he´efle®e¬eÀer³e he´eJeOeeveeW keÀer cee$ee - -
meer uesKee Je<e& kesÀ oewjeve efkeÀS ieS DeenjCe keÀer jeefMe. 100.56 -
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met®evee
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³et) ceevekeÀ Deeeqmle³eeW hej he´eJeOeeve
(jeefMe ₹ keÀjesæ[ ceW)
meeceie´er 31.03.2022 31.03.2021
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ie³ee nw.
Jeer) yeæ[s SkeÌmeheespej {eb®es hej he´keÀìerkeÀjCe:
efjheesì&
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SkeÌmeheespej meercee keÀes heej keÀj efue³ee nw, GvekeÀe efJeJejCe veer®es efo³ee ie³ee nw: -
he´eflehe#ekeÀejeW kesÀ efueS yeæ[s SkeÌmeheespej (SkeÀue Deewj meeLe ner pegæ[s he´eflehe#ekeÀejeW kesÀ mecetn) yeQkeÀ kesÀ hee$e hetbpeer DeeOeej. (31.03.2022 lekeÀ
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(jeefMe ₹ keÀjesæ[ ceW)
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meb kesÀ eEmeieue (Sme) ³ee ie´ghe (peer) nQ SkeÌmeheespej ₹17,049.44 keÀjesæ[
Metv³e
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Demegjef#ele kesÀ ªhe ceW efoKee³ee ie³ee nw:
CATEGORY 31.03.2022 31.03.2021
Decetle& megj#ee pewmes DeefOekeÀej, ueeFmeWme, he´eefOekeÀjCe Deeefo hej he´Yeej kesÀ efKeueeHeÀ Deefie´ce keÀes Metv³e Metv³e
Demegjef#ele ceevee peelee nw
Decetle& he´efleYetefle keÀe cetu³e Metv³e Metv³e
yeQkeÀeW Üeje peejer uesìj Dee@HeÀ keÀcHeÀì& (SueDeesmeer) Metv³e Metv³e
Decetle& he´efleYetefle keÀe cetu³e Metv³e Metv³e
Demegjef#ele Deefie´ce Metv³e Metv³e
S) he´l³e#e SkeÌmeheespej
(i) DeeJeemeer³e ceeiexpe 29376.53 30440.75
(i) DeeJeemeer³e mebheefÊe hej yebOekeÀ kesÀ Üeje hetjer lejn mes jef#ele nw, DeLee&le ³ee lees (13484.79) (17974.42)
GOeejkeÀlee& Üeje keÀypes ceW nw DeLeJee efkeÀje³es hej nw.
(J³eefÊeÀiele DeeJeeme he´eLeefcekeÀlee #es$e ceW Meeefceue keÀjves ceW hee$e nw Gvns Deueie
mes yelee³ee peeSiee) SkeÌmeheespej ceW iewj-efveefOe DeeOeeefjle (SveSHeÀyeer) meercee Yeer
Meeefceue nesieer. JeeefCeeqp³ekeÀ mLeeJej mebheoe
(ii) JeeefCeeqp³ekeÀ mLeeJej mebheoe
(ii) JeeefCeeqp³ekeÀ mLeeJej mebheoe kesÀ cee@iexpe mes he´l³eeYetle $eÝCe (keÀe³ee&ue³e YeJeve, efjìsue 1696.14 3197.55
mLeece yengGÎsMeer³e JeeefCeeqp³ekeÀ heefjmej, yeng –heeefjJeeefjkeÀ DeeJeemeer³e YeJeve,
yeng-efkeÀje³esoej JeeefCeeqp³ekeÀ heefjmej, DeewÐeesefiekeÀ DeLeJee Jes³ej neGme mLeeve,
nesìue, Yetefce Deefieie´nCe, efvecee&Ce SJeb efJekeÀeme Fl³eeefo)
(iii) SkeÌmeheespej ceW iewj-efveefOe DeeOeeefjle (SveSHeÀyeer) $eÝCe meerceeSB Yeer Meeefceue nesieer.
cee@iexpe DeeOeeefjle he´efleYetefle³eesB (SceyeerSme) SJeb Dev³e he´efleYetefleke=Àle SkeÌmeheespejeW ceW
efveJesMe
- DeeJeemeer³e 0.00 0.00
jCeefveleer
viii) Mes³ejeW ³ee heefjJele&veer³e yeeb[eW ³ee heefjJele&veer³e ef[yeW®ej ³ee FeqkeÌJeìer GvcegKe c³et®egDeue 0.00 0.00
HebÀ[ keÀer FkeÀeF³eeW kesÀ he´eLeefcekeÀ efveie&ce kesÀ mebyebOe ceW yeQkeÀeW Üeje keÀer ieF& neceeroejer
he´efleye×leeSb
ix) ceee|peve ì^seE[ie kesÀ efueS mìe@keÀ ye´eskeÀjeW keÀes efJeÊehees<eCe 0.00 0.00
x) peesefKece hetbpeer efveOeer mecyeefOele meYeer SkeÌmeheespej (hebpeerke=Àle Deewj Dehebpeerke=Àle oesveeW) 471.22 490.17
met®evee
veieC³e 15300.57 Metv³e 550.74 Metv³e
efvecve 351.35 Metv³e 725.76 Metv³e
Deewmeleve efvecve Metv³e Metv³e Metv³e Metv³e
Deewmele 3.76 Metv³e 178.83 Metv³e
Deewmeleve G®®e Metv³e Metv³e Metv³e Metv³e
G®®e 22.38 Metv³e 3.40 Metv³e
Del³eefOekeÀ 56.08 Metv³e 1.61 Metv³e
kegÀue 15734.15 Metv³e 1460.34 Metv³e
efjheesì&
®etbefkeÀ efJeosMeer cegêe uesveosve kesÀ mebyebOe ceW Je<e& kesÀ efueS yeQkeÀ keÀe efveJeue efveefOeye× SkeÌmeheespej yeQkeÀ keÀer kegÀue mebheefÊe kesÀ 1% mes keÀce nw, FmeefueS keÀesF&
he´eJeOeeve DeeJeM³ekeÀ veneR ceevee peelee nw.
[er. Dejef#ele Deefie´ce
efJeJejCe 31.03.2022 31.03.2021
yeQkeÀ kesÀ kegÀue Dejef#ele Deefie´ce 14416.76 10970
GhejesÊeÀ ceW mes, Deefie´ce keÀer jeefMe efpemekesÀ efueS Decetle& he´efleYetefle³eeb pewmes DeefOekeÀej, ueeFmeWme, Metv³e Metv³e
he´eefOekeÀjCe, Deeefo hej he´Yeej efue³ee ie³ee nw.
Ssmeer Decetle& he´efleYetefle³eeW keÀe Devegceeefvele cetu³e Metv³e Metv³e efJeÊeer³e
F&. HewÀkeÌìeEjie SkeÌmeheespej:
®etbefkeÀ efJeosMeer cegêe uesveosve kesÀ mebyebOe ceW Je<e& kesÀ efueS yeQkeÀ keÀe efveJeue efveefOeye× SkeÌmeheespej yeQkeÀ keÀer kegÀue mebheefÊe kesÀ 1% mes keÀce nw, FmeefueS keÀesF&
he´eJeOeeve DeeJeM³ekeÀ veneR ceevee peelee nw.
SHeÀ. Fbì^e-ie´ghe SkeÌmeheespej
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
Fbì^e-ie´ghe SkeÌmeheespej keÀer kegÀue jeefMe 1099.69 761.28
Meer<e& -20 Fbì^e-ie´ghe SkeÌmeheespej keÀer kegÀue jeefMe 1099.69 761.28
GOeejkeÀlee&DeeW/ie´enkeÀeW hej yeQkeÀ kesÀ kegÀue SkeÌmeheespej kesÀ efueS Fbì^e-ie´ghe-SkeÌmehees]pej keÀe 0.40% 0.29%
he´efleMele
Fbì^e-ie´ghe SkeÌmeheespej hej meercee kesÀ GuuebIeve Deewj Gme hej efve³eecekeÀ keÀej&JeeF& keÀe efJeJejCe Metv³e Metv³e
³eefo keÀesF& nes
Devensp[ efJeosMeer cegêe SkeÌmeheespej kesÀ efueS Oeeefjle he´eJeOeeve 4.18 3.53
yeerme yeæ[s peceekeÀlee&DeeW keÀer peceejeefMe³eeW keÀe yeQkeÀ keÀer kegÀue pecee ceW he´efleMele 3.60% 2.92%
Meer<e& 20 meyemes yeæ[s GOeejkeÀlee&DeeW keÀes kegÀue Deefie´ce (¬esÀef[ì SkeÌmeheespej) 32719.97 26799.69
yeQkeÀ kesÀ kegÀue Deefie´ceeW keÀer leguevee ceW yeerme meyemes yeæ[s GOeejkeÀlee&DeeW keÀes efoS ieS Deefie´ceeW 12.85% 11.19%
keÀe he´efleMele
**DeejyeerDeeF& ceeveob[eW kesÀ Devegmeej he´oe|Mele ¬esÀef[ì SkeÌmeheespej
meer) SkeÌmeheespej keÀe mebkesÀêerkeÀjCe**
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
yeerme meyemes yeæ[s GOeejkeÀlee&DeeW/ie´enkeÀeW kesÀ he´efle kegÀue SkeÌmeheespej 34890.24 29346.87
GOeejkeÀlee&DeeW/ie´enkeÀeW hej yeQkeÀ kesÀ kegÀue SkeÌmeheespej keÀer leguevee ceW yeerme meyemes yeæ[s 12.73% 11.24%
GOeejkeÀlee&DeeW/ie´enkeÀeW kesÀ he´efle SkeÌmeheespej keÀe he´efleMele
**he´oe|Mele ¬esÀef[ì SJeb efveJesMe SkedÀmeheespej
[er) SveheerS keÀe mebkesÀêerkeÀjCe
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
kegÀue mekeÀue SveheerS ceW Meer<e& yeerme meyemes yeæ[s SveheerS SkeÌmeheespej kesÀ SkeÌmeheespej keÀe he´efleMele 27.84 28.38
jCeefveleer
iv) mJewhe mes GlheVe nesves Jeeues $eÝCe peesefKece keÀe mebkesÀêerkeÀjCe cenlJehetCe& veneR nw cenlJehetCe& veneR nw
v) mJewhe yegkeÀ keÀe Gef®ele cetu³e 2.90 -3.78
met®evee
iv) mJewhe mes GlheVe nesves Jeeues $eÝCe peesefKece keÀe mebkesÀêerkeÀjCe cenlJehetCe& veneR nw cenlJehetCe& veneR nw
v) mJewhe yegkeÀ keÀe Gef®ele cetu³e 0.00 3.78
efjheesì&
cetue jeefMe (efueKele Jeej)
iii) बकाया एवं “उच्च प्रभावी नहीं” विनिमय सौदे वाले ब्याज दर डेरिवेटिव्स की Metv³e Metv³e
काल्पनिक मूल राशि (efueKele Jeej)
iv) बकाया एवं “उच्च प्रभावी नहीं” विनिमय सौदे वाले ब्याज दर डेरिवेटिव्स का Metv³e Metv³e
दैनिक बाजार मूल्य (efueKele Jeej)
डी) विनिमय सौदे वाले मुद्रा डेरिवेटिव्स
(jeefMe ₹ keÀjesæ[ ceW)
¬eÀ. efJeJejCe 31.03.2022 31.03.2021
i) Je<e& kesÀ oewjeve efJeefvece³e meewos Jeeues y³eepe oj [sefjJesefìJme keÀe keÀeuheefvekeÀ cetueOeve
S) cegêe Jee³eoe 133.93 8992.53
efJeÊeer³e
बी) व्यापार के लिए दैनिक बाजार मूल्य की स्थिति 24901 2330 64539 1305
jCeefveleer
ii) owefvekeÀ yeepeej cetu³e keÀer efmLeefle
met®evee
v) Je<e& kesÀ oewjeve DeefOekeÀlece Deewj v³etvelece 100* heerJeer 01
cevee³ee ie³ee
ए) बचाव व्यवस्था पर - अधिकतम-0.04 - अधिकतम-0.04
न्यूनतम-0.01 न्यूनतम-0.01
बी) व्यापार पर - अधिकतम-0.04 - अधिकतम-0.04
न्यूनतम-0.01 न्यूनतम-0.01
ii. GOeej v³etvelee efJeefvece³e
yeQkeÀ ves efJeÊeer³e Je<e& 2021-22 (efheíues Je<e&-Metv³e) ceW ¬esÀef[ì ef[HeÀe@uì mJewhe ceW keÀesF& eqmLeefle veneR ueer nw.
8. he´efleYeteflekeÀjCe mes mebyebefOele he´keÀìerkeÀjCe
efjheesì&
(jeefMe ₹keÀjesæ[ ceW )
¬eÀ. efJeJejCe 31.03.2022 31.03.2021
meb
1 he´Jele&keÀ Üeje GlheVe he´efleYeteflekeÀjCe uesveosve kesÀ efueS mebheefÊe jKeves Jeeues SmeheerF& keÀer mebK³ee Metv³e Metv³e
(kesÀJeue yekeÀe³ee he´efleYeteflekeÀjCe SkeÌmeheespej mes mebyebefOele SmeheerJeer ³eneb efjheesì& keÀer peeSieer)
2 SmeheerF& keÀer hegmlekeÀeW kesÀ Devegmeej he´efleYetle mebheefÊe keÀer kegÀue jeefMe Metv³e Metv³e
3 legueve he$e keÀer leejerKe keÀes SceDeejDeej keÀe Devegheeueve keÀjves kesÀ efueS he´Jele&keÀ Üeje jKes ieS Metv³e Metv³e
SkeÌmeheespej keÀer kegÀue jeefMe
S) legueve he$e mes Flej SkeÌmeheespej Metv³e Metv³e efJeÊeer³e
henuee vegkeÀmeeve Metv³e Metv³e
Dev³e Metv³e Metv³e
yeer) leguevehe$e hej SkeÌmeheespej Metv³e Metv³e
henuee vegkeÀmeeve Metv³e Metv³e
Dev³e Metv³e Metv³e
4 SceDeejDeej kesÀ DeueeJee he´efleYeteflekeÀjCe uesveosve kesÀ efueS SkeÌmeheespej keÀer jeefMe Metv³e Metv³e
S) legueve he$e mes Flej SkeÌmeheespej Metv³e Metv³e
i) mJe³eb keÀer he´efleYeteflekeÀjCe kesÀ efueS SkeÌmeheespej Metv³e Metv³e
henuee vegkeÀmeeve Metv³e Metv³e
vegkeÀmeeve Metv³e Metv³e
ii) leermejs he#e keÀer he´efleYetefle³eeW keÀe SkeÌmeheespej Metv³e Metv³e
11. Yeejle meefnle efJeée mlej hej keÀesjesvee Jee³ejme (keÀesefJe[-19) ceneceejer kesÀ he´keÀeshe kesÀ keÀejCe Deee|LekeÀ ieefleefJeefOe³eeW ceW ceboer DeeF& nw Deewj efJeÊeer³e yeepeejeW ceW
DeeqmLejlee yeæ{ ieF& nw. keÀesefJe[-19 ceneceejer yeQkeÀ kesÀ efJeÊeer³e heefjCeeceeW keÀes efkeÀme no lekeÀ he´YeeefJele keÀjsieer, ³en YeefJe<³e kesÀ Ieìvee¬eÀce hej efveYe&j keÀjsiee,
pees Del³eefOekeÀ Deefveeq½ele nQ. Deefveeq½elelee keÀes osKeles ngS, keÀesefJe[-19 ceneceejer kesÀ keÀejCe, yeQkeÀ YeefJe<³e ceW efkeÀmeer Yeer YeeweflekeÀ heefjJele&ve keÀer ueieeleej
efveiejeveer keÀj jne nw, pees efkeÀ efJekeÀeme kesÀ DeeOeej hej efJeÊeer³e efJeJejCeeW kesÀ Devegceesove keÀer leejerKe kesÀ Devegceeve mes efYeVe nes mekeÀlee nw.
jCeefveleer
3 Je<e& kesÀ oewjeve efveheìeF& ieF& efMekeÀe³eleeW keÀer mebK³ee 28191 24075
efpeveceW mes, yeQkeÀ Üeje Keeefjpe keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee 0 0
4 Je<e& kesÀ Deble ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 384 162
5.1 5 ceW mes, ueeskeÀheeue keÀe³ee&ue³e Üeje yeQkeÀ kesÀ he#e ceW nue keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee 5543 4017
5.2 5 ceW mes, Deescye[dmecewve kesÀ keÀe³ee&ue³e Üeje peejer meguen/ceO³emLelee/meueen kesÀ ceeO³ece 367 1021
mes nue keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee
5.3 5 ceW mes, yeQkeÀ kesÀ efKeueeHeÀ ueeskeÀheeue keÀe³ee&ue³e Üeje hegjmkeÀej heeefjle keÀjves kesÀ yeeo 01 02
met®evee
nue keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee
6 efveOee&efjle mece³e kesÀ Yeerlej ueeiet veneR efkeÀS ieS hegjmkeÀejeW keÀer mebK³ee (Deheerue efkeÀS ieS 0 0
hegjmkeÀejeW kesÀ DeueeJee)
veesì: Devegj#eCe ³eesi³e efMekeÀe³eleW efJeMes<e ªhe mes SkeÀerke=Àle ueeskeÀheeue ³eespevee 2021 (henues yeQeEkeÀie ueeskeÀheeue ³eespevee, 2006) ceW GequueefKele DeeOeejeW hej
efMekeÀe³eleeW keÀes meboe|Yele keÀjleer nQ Deewj ³eespevee kesÀ oe³ejs ceW Deeleer nQ.
yeer) SìerSce uesveosve mes mebyebefOele ie´enkeÀeW mes yeQkeÀ keÀes he´ehle efMekeÀe³eleW:
(jeefMe ₹keÀjesæ[ ceW )
¬eÀ efJeJejCe 31.03.2022 31.03.2021
efjheesì&
1 Je<e& kesÀ ÒeejYeb ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 4219 9865
2 Je<e& kesÀ oewjeve he´ehle efMekeÀe³eleeW keÀer mebK³ee 155153 190146
3 Je<e& kesÀ oewjeve efveheìeF& ieF& efMekeÀe³eleeW keÀer mebK³ee 158833 195792
efpeveceW mes, yeQkeÀ Üeje Keeefjpe keÀer ieF& efMekeÀe³eleeW keÀer mebK³ee 27819 21442
4 Je<e& kesÀ Deble ceW uebefyele efMekeÀe³eleeW keÀer mebK³ee 539 4219
meer) mesvì^ue keÀe[& uesveosve mes mebyebefOele yeQkeÀ Üeje he´ehle efMekeÀe³eleW:
(jeefMe ₹keÀjesæ[ ceW ) efJeÊeer³e
13. Yeejleer³e efjpeJe& yeQkeÀ Üeje ueieeS ieS ob[ keÀe he´keÀìerkeÀjCe
i. YeeefjyeQkeÀ Üeje ueiee³ee ie³ee pegcee&vee
S) Ghe-Oeeje (4) kesÀ Keb[ (i) kesÀ meeLe heefþle Oeeje 47(S) keÀer Ghe-Oeeje (1) kesÀ Keb[ (meer) kesÀ meboYe& ceW ₹0.36 keÀjesæ[ (efheíues Je<e& ₹keÀjesæ[ )
keÀe pegcee&vee ueiee³ee nw. ie´enkeÀeW kesÀ KeeleeW ceW DeveefOeke=Àle FueskeÌì^e@efvekeÀ uesveosve ceW Meeefceue jeefMe keÀes ¬esÀef[ì keÀjves ceW efJeHeÀue (Mew[es efjJeme&ue)
kesÀ efJeJeeoemheo kesÀ meeLe iewj-Devegheeueve kesÀ efueS yeQeEkeÀie efJeefve³eceve DeefOeefve³ece 1949 keÀer Oeeje 46 Deewj Oeeje 51 keÀer Oeeje (1).
yeer) DeefOeefve³ece keÀer Oeeje 41 (S) keÀer Oeeje (1) kesÀ Keb[ (meer) kesÀ meboYe& ceW ₹1.00 keÀjesæ[ (efheíues Je<e& ₹Metv³e keÀjesæ[ ) keÀe pegcee&vee ueiee³ee nw ,
Oeeje (4) kesÀ Keb[ I (i) kesÀ meeLe heæ{W, efveosMekeÀ keÀer meceevelee kesÀ yeeJepeto, $eÝCe keÀer ieejbìer kesÀ efueS GOeejkeÀlee& kebÀheveer kesÀ meeLe he´efleye×lee ceW
he´JesMe keÀjves Jeeues DeefOeefve³ece keÀer Oeeje 20 (1) kesÀ efJehejerle mebmkeÀjCe kesÀ efueS DeefOeefve³ece keÀer Oeeje 51 keÀer Oeeje 46 Deewj Ghe-Oeeje (1).
meer) kegÀí DeeJeeme $eÝCe KeeleeW hej DeejyeerDeeF& heefjhe$e efoveebkeÀ 03.09.2013 keÀe Devegheeueve ve keÀjves kesÀ keÀejCe nceejs yeQkeÀ hej ₹Metv³e keÀjesæ[
(efheíues Je<e& ₹0.50 keÀjesæ[ ) keÀe pegcee&vee ueiee³ee nw .
[er) yeQeEkeÀie efJeefve³eceve DeefOeefve³ece 1949 keÀer Oeeje 46(4) (i) kesÀ meeLe heefþle Oeeje 47S (1) (S) kesÀ meboYe& ceW cegêe eflepeesjer meb®eeueve ceW Yeejleer³e
efjpeJe& yeQkeÀ efve³eceeW kesÀ iewj Devegheeueve hej ₹Metv³e keÀjesæ[ (efheíues Je<e& ₹0.31 keÀjesæ[ ) keÀe pegcee&vee ueiee³ee nw. *
*pewmee efkeÀ he´yebOeve Üeje Devegheeueve efkeÀ³ee ie³ee nw Deewj uesKee hejer#ekeÀeW Üeje Yejesmee efkeÀ³ee ie³ee nw.
F&) efJeÊeer³e KegefHeÀ³ee FkeÀeF& Üeje ueiee³ee ie³ee ob[ - Yeejle
jCeefveleer
DeefOekeÀjer
Þeer heuueJe cenehee$e (28.02.2021 lekeÀ) he´yebOe efveosMekeÀ cegK³e keÀe³e&keÀejer 0.00 0.94
DeefOekeÀjer
Þeer yeer Sme MesKeeJele (08.10.2020 lekeÀ) keÀe³e&keÀejer efveosMekeÀ 0.00 1.30
Þeer efJeJeskeÀ Jeener ( 10.03.2021 mes he´YeeJeer) keÀe³e&keÀejer efveosMekeÀ 0.27 0.01
Þeer jepeerJe hegjer (10.03.2021 mes he´YeeJeer) keÀe³e&keÀejer efveosMekeÀ 0.28 0.01
veesì: DeeF&meerSDeeF& Üeje peejer SSme - 18 - “mebyebefOele heeìea he´keÀìerkeÀjCe” kesÀ hewje 9 kesÀ Devegªhe , mene³ekeÀ Deewj men³eesieer GÐeceeW kesÀ meeLe uesveosve keÀe
met®evee
Kegueemee veneR efkeÀ³ee ie³ee nw pees jep³e efve³ebef$ele GÐeceeW keÀes Dev³e mebyebefOele jep³e efve³ebef$ele GÐece. kesÀ meeLe uesveosve mes mebyebefOele keÀesF& Yeer he´keÀìerkeÀjCe keÀjves
mes ítì oslee nw.
FmekesÀ DeueeJee, SSme-18 kesÀ hewje 5 kesÀ meboYe& ceW kesÀSceheer Deewj kesÀSceheer kesÀ efjMlesoejeW meefnle yeQkeÀj-ie´enkeÀ mebyebOeeW keÀer he´ke=Àefle ceW uesveosve keÀe Kegueemee
veneR efkeÀ³ee ie³ee nw.
15. Dev³e he´keÀìerkeÀjCe
i. J³eJemeeef³ekeÀ Devegheele
efjheesì&
(ii) keÀe³e&Meerue efveefOe kesÀ he´efleMele kesÀ ªhe ceW iewj-y³eepe Dee³e ** 0.87% 0.91%
(iii) pecee keÀer ueeiele 3.86 % 4.35%
(iv) Meg× y³eepe ceee|peve ** 3.21 % 2.78%
(v) keÀe³e&Meerue efveefOe kesÀ he´efleMele kesÀ ªhe ceW heefj®eeueve ueeYe *** 1.67% 1.34%
(vi) Deeefmle hej ÒeefleHeÀue *** 0.30% (0.26)%
(vii) J³eJemee³e (pecee Deewj Deefie´ce) he´efle keÀce&®eejer **** (₹ keÀjesæ[ ceW ) 17.15 keÀjesæ[ 15.60 keÀjesæ[
(viii) he´efle keÀce&®eejer ueeYe (₹ keÀjesæ[ ceW ) 0.03 -0.03
* efJeÊeer³e Je<e& kesÀ 12 cenerveeW kesÀ oewjeve JeeefCeeqp³ekeÀ yeQkeÀeW kesÀ efueS HeÀe@ce& X Deewj Menjer menkeÀejer yeQkeÀeW kesÀ efueS HeÀe@ce& IX ceW Yeejleer³e efjpeJe& yeQkeÀ keÀes efjheesì&
efJeÊeer³e
keÀer ieF& kegÀue mebheefÊe (mebef®ele neefve³eeW keÀes íesæ[keÀj, ³eefo keÀesF& nes) kesÀ Deewmele kesÀ ªhe ceW ieCevee keÀer peeves Jeeueer keÀe³e&Meerue efveefOe.
** Meg× y³eepe Dee³e/Deewmele Dee³e heefjmebheefÊe³eeb. Meg× y³eepe Dee³e = y³eepe Dee³e - y³eepe J³e³e
*** Deeeqmle³eeW hej he´efleueeYe Deewmele keÀe³e&Meerue efveefOe³eeW kesÀ meboYe& ceW nesiee (DeLee&le mebef®ele neefve³eeW keÀes íesæ[keÀj kegÀue mebheefÊe, ³eefo keÀesF& nes)
**** he´efle keÀce&®eejer J³eJemee³e keÀer ieCevee kesÀ he´³eespeve kesÀ efueS (pecee Deewj Deefie´ce), Deblej-yeQkeÀ pecee keÀes íesæ[keÀj
ii. yeQkeÀSM³eesjWme J³eJemee³e:
GvekesÀ Üeje efkeÀS ieS yeQkeÀSM³eesjWme J³eJemee³e kesÀ mebyebOe ceW Dee|pele MegukeÀ/ye´eskeÀjspe keÀe efJeJejCe ®eeuet Je<e& Deewj efheíues Je<e& oesveeW kesÀ efueS he´keÀì efkeÀ³ee
peeSiee.
meskeÌìj ke=Àef<e meeceev³e met#ce ueIeg SJeb ceO³ece ke=À<ekeÀ kegÀue cee$ee kegÀue
ceen cee$ee ueeYe/ cee$ee ueeYe/ cee$ee ueeYe/ cee$ee ueeYe/ ` keÀjesæ[)
( ueeYe/
(neefve) (neefve) (` keÀjesæ[) (neefve) (` keÀjesæ[) (neefve) (neefve)
(` keÀjesæ[) (` keÀjesæ[)
21 petve 21 - - (8000.00) 79.96 -- - (2000.00) 54.78 (10000.00) 134.74
veesì: (-ve) $eÝCe heerSmeSuemeer peer efye¬eÀer keÀe mebkesÀle leLee (+v) heerSmeSuemeer keÀer Kejero keÀe mebkesÀle oslee nw. GhejesÊeÀ ÞesefCe³eeW kesÀ heerSmeSuemeer kesÀ
efueS keÀceerMeve oj 0.10% mes 2.85% lekeÀ nw.
[erDeeF&meerpeermeer yeercee he´erefce³ece keÀe Yegieleeve
iv.
v. yeQkeÀeW kesÀ keÀce&®eeefj³eeW keÀer heeefjJeeefjkeÀ heWMeve ceW Je=ef× kesÀ keÀejCe J³e³e heefjMeesOeve hej he´keÀìerkeÀjCe :-
Yeejleer³e efj]peJe& yeQkeÀ ves Deheves heefjhe$e mebK³ee: DeejyeerDeeF&/2021-22/105 [esjemeermeer.DeejF&meer.57/21.04.01 /2021-22 efoveebkeÀ 4 DekeÌìtyej
2021 kesÀ ceeO³ece mes yeQkeÀeW keÀes keÀce&®eeefj³eeW kesÀ efueS heeefjJeeefjkeÀ heWMeve ceW mebMeesOeve kesÀ keÀejCe DeefleefjÊeÀ os³elee, 31 cee®e&, 2022 keÀes meceehle nesves
Jeeues efJeÊeer³e Je<e& kesÀ meeLe Megª nesves Jeeues 5 (heeb®e) Je<eeX mes DeefOekeÀ keÀer DeJeefOe ceW, nj meeue Ke®e& keÀer peeves Jeeueer kegÀue jeefMe keÀe v³etvelece 1/5 Jeeb
efnmmee. keÀes heefjMeesefOele keÀjves keÀer Devegceefle oer nw. yeQkeÀ Üeje he´ehle yeerceebefkeÀkeÀ cetu³eebkeÀve efjheesì& kesÀ DeeOeej hej keÀce&®eeefj³eeW kesÀ efueS heeefjJeeefjkeÀ
heWMeve ceW mebMeesOeve kesÀ keÀejCe DeefleefjÊeÀ os³elee ₹.82,195.00 ueeKe Dee ieF& nw. yeQkeÀ ves DeejyeerDeeF& kesÀ GÊeÀ heefjhe$e kesÀ Devegmeej heefjMeesOeve keÀe
efJekeÀuhe ®egvee nw Deewj 31 cee®e& 2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ oewjeve ueeYe Deewj neefve Keeles ceW ₹82,195.00 ueeKe ceW mes ₹54,452.00 ueeKe
keÀer jeefMe keÀe MegukeÀ efue³ee nw . ₹ 27,743.00 ueeKe keÀes Deieues Je<eeX kesÀ efueS Deeies yeæ{e³ee ie³ee nw. ®eeuet Je<e& kesÀ efueS Meg× ueeYe hej heefjMeesefOele
heWMeve os³elee keÀe heefjCeeceer he´YeeJe ₹18,048.00 ueeKe (keÀjeW keÀe efveJeue) nw.
vi. yeefnb³eeW mecelegueve / efceueeve:
a) yeQkeÀ Deblej keÀe³ee&ue³e mecee³eespeve (DeeF&yeerDeej) Keeles ceW Meeefceue KeeleeW kesÀ efJeefYeVe Meer<eeX ceW yekeÀe³ee Mes<e/he´efJeeqä³eeW keÀe efceueeve keÀjves keÀer
he´ef¬eÀ³ee ceW nw.
31 cee®e&,2022 keÀes DeeF&yeerDeej Keeles keÀe Meg× Mes<e ₹19.01 keÀjesæ[ (Meg× ¬esÀef[ì) nw Deewj 31 cee®e&, 2021 keÀes ₹10.30 keÀjesæ[ (Meg×
¬esÀef[ì) nw.
yeer) efvecveefueefKele ceoeW keÀe mecelegueve he´ieefle hej nw:
- Deblej MeeKee keÀe³ee&ue³e Mes<e
- Deblej yeQkeÀ Keeles
- G®eble Keeles
- meceeMeesOeve Deewj Dev³e mecee³eespeve Keeles
- vee@efceveue KeeleeW ceW jKes efJeefMe<ì Mes<e
- veesmì^es Keeles
jCeefveleer
16. Dee³ekeÀj :
S) efJeJeeefole cegÎeW hej he´emebefiekeÀ JewOeeefvekeÀ he´eJeOeeveeW Deewj v³eeef³ekeÀ efveCe&³eeW hej efJe®eej keÀjves kesÀ yeeo Je<e& kesÀ efueS Dee³ekeÀj keÀe he´eJeOeeve efkeÀ³ee peelee
nw.
yeer) Dev³e heefjmebheefÊe³eeb (Devegmet®eer 11 (ii)] ceW cetue yeQkeÀ keÀer efJeJeeefole Dee³ekeÀj os³elee kesÀ efueS ₹2405.58 keÀjesæ[ (efheíues Je<e& ₹1771.51 keÀjesæ[ )
Meeefceue nQ. FmeceW yeQkeÀ Deewj Dee³ekeÀj efJeYeeie Üeje efJeefYeVe mlejeW hej Dee³ekeÀj DeheerueW Meeefceue nQ. efJeefYeVe v³eeef³ekeÀ Iees<eCeeDeeW Deewj yeQkeÀ kesÀ Deheves
ceeceues ceW DevegketÀue efveCe&³eeW kesÀ DeeOeej hej yeQkeÀ Üeje keÀjeOeeve keÀer efJeJeeefole jeefMe keÀe he´eJeOeeve DeeJeM³ekeÀ veneR ceevee peelee nw. 31 cee®e& 2022
lekeÀ efJeJeeefole mesJee keÀj ceeceuee ₹7.64 keÀjesæ[ keÀe nw .
meer) Yeejle mejkeÀej ves 20 efmelebyej, 2019 kesÀ keÀjeOeeve keÀevetve (mebMeesOeve) DeO³eeosMe 2019 kesÀ lenle Dee³ekeÀj DeefOeefve³ece 1961 (“DeefOeefve³ece”) ceW
Oeeje 115yeerSS keÀes meeqcceefuele efkeÀ³ee nw pees Iejsuet kebÀheefve³eeW keÀes keÀce oj hej keÀe@heexjsì keÀj keÀe Yegieleeve keÀjves kesÀ efueS SkeÀ iewj-he´efleJeleea efJekeÀuhe
met®evee
he´oeve keÀjlee nw. kegÀí MeleeX kesÀ DeOeerve 01 Dehe´wue 2019 mes he´YeeJeer. yeQkeÀ ves DeefOeefve³ece keÀer he´³eesp³elee keÀe DeekeÀueve efkeÀ³ee nw Deewj 31 cee®e& ,
2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS ceewpetoe keÀj oj (DeLee&le 34.944%) keÀes peejer jKeves keÀe efJekeÀuhe ®egvee nw .
17. heefjmej:
S) yeQkeÀ Üeje heÆs hej efueS ieS heefjmejeW ceW ₹1.45 keÀjesæ[ (efheídues Je<e& ₹1.45 keÀjesæ[) keÀer mecheefÊe Meeefceue nw, efpemekesÀ hebpeerkeÀjCe keÀer Deewhe®eeefjkeÀeSB
DeYeer Yeer he´ef¬eÀ³eeOeerve nQ.
yeer) efoveebkeÀ 31.03.2021 keÀes yeQkeÀ kesÀ heefjmej keÀes yee¿e mJeleb$e cetu³eekeÀeW keÀer cetu³eebkeÀve efjheesìeX kesÀ DeeOeej hej FvekesÀ yeepeej cetu³e keÀes hegvecet&u³eebefkeÀle
efkeÀ³ee ie³ee nw Deewj Fmes efveosMekeÀ ceb[ue ves Devegceesefole efkeÀ³ee nw leLee FmekesÀ cetu³e ceW ©.881.96 keÀjesæ[ keÀer Je=ef× ngF& nw Deewj Fmes hegvecet&u³eebkeÀve
Deejef#ele Keeles ceW pecee efkeÀ³ee ie³ee nw.
meer) Ssmeer Deeeqmle³eeb, efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GveceW cetu³eÛeme keÀe he´eJeOeeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw SJeb ueeYe/neefve Keeles
efjheesì&
keÀes he´Yeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle jeefMe ₹54.12 keÀjesæ[ (efheíues Je<e& ₹58.85 keÀjesæ[) hej Deejesh³e Je=ef×Meerue cetu³eÛeme keÀer jeefMe keÀes
“hegvecet&u³eebefkeÀle Deejef#ele efveefOe” mes Debleefjle keÀj “jepemJe SJeb Dev³e Deejef#ele efveefOe” ceW pecee efkeÀ³ee ie³ee nw.
[er) yeQkeÀ Üeje ueerpe hej he´ehle Yetefce ceW ₹8.02 keÀjesæ[ (efheíues Je<e& ₹8.02 keÀjesæ[) Meeefceue nQ, efpevekeÀe efueefKele cetu³e Metv³e (efheíues Je<e& ₹ Metv³e) nw,
efpemekeÀer ueerpe DeJeefOe meceehle nes ieF& nw Deewj yeQkeÀ keÀe keÀe³ee&ue³e/YeJeve DeYeer Yeer ®eeuet nw. Fve peceerveeW Deewj ueerpe veJeerveerkeÀjCe kesÀ efueS DeefOekeÀeefj³eeW
kesÀ meeLe efJe®eej keÀj jns nQ.
18. Yeejleer³e efj]peJe& yeQkeÀ kesÀ [eryeerDees[er meb.yeerheer.yeermeer.57/62-88 efoveebkeÀ 31 efomebyej, 1988 efoMee-efveoxMeeW kesÀ Devegmeej, Fbìj-yeQkeÀ heee|ìefmehesMeve
mee|ìefHeÀkesÀì (DeeF&yeerheermeer) ₹Metv³e keÀeGOeej efo³ee ie³ee nw. leovegmeej, FvnW yeQkeÀ kesÀ Deefie´ceeW mes mecee³eesefpele efkeÀ³ee ie³ee nw. Fve GOeejeW kesÀ SJepe ceW
₹Metv³e keÀer y³eepe Dee³e keÀes ceev³elee oer ieF& nw.
19. hegjeves veesmì^es/efcejj ¬esÀef[ì he´efJeeqä³eeW mes pegæ[s DeJeª× KeeleeW keÀer jeefMe keÀes ef¬eÀmìueerkeÀjCe keÀer efleefLe keÀes efJeefvece³e oj keÀe Ghe³eesie keÀj hejchejeiele efJeÊeer³e
ueeiele hej nìe³ee ie³ee.
yeQkeÀ 8 efJeefYeVe cegêeDeeW kesÀ efueS 15 veesmì^es KeeleeW keÀe jKejKeeJe keÀjvee nw. ³es veesmì^es Keeles SkeÀ ‘S’ ÞesCeer keÀer MeeKee (SkeÀerke=Àle ì^spejer MeeKee) Deewj
yeemeþ ‘yeer’ ÞesCeer keÀer MeeKeeDeeW Üeje meb®eeefuele efkeÀS peeles nQ.
Fve veesmì^es KeeleeW keÀe efceueeve SkeÀerke=Àle keÀes<eeue³e MeeKee Üeje efkeÀ³ee peelee nw. efceueeve SkeÀ melele he´ef¬eÀ³ee nw Deewj owefvekeÀ DeeOeej hej keÀer peeleer nw.
veesmì^es KeeleeW ceW mecee³eespeve Deewj yekeÀe³ee he´efJeeqä³eeW hej he´ieefle efjheesì& efleceener Deblejeue hej yees[& keÀer uesKee hejer#ee meefceefle kesÀ mece#e jKeer peeleer nw.
20. efo Fvmìerìîetì Dee@HeÀ ®eeìd[& DekeÀeGbìWme Dee@HeÀ Fbef[³ee kesÀ Üeje peejer uesKee ceevekeÀeW kesÀ meboYe& ceW efvecveefueefKele met®evee he´oe|Mele keÀer ieF& nw:
S) uesKee ceevekeÀ - 5 “DeJeefOe kesÀ efueS Meg× ueeYe ³ee neefve, hetJe& DeJeefOe keÀer ceoW, Deewj uesKee veerefle³eeW ceW heefjJele&ve”-
- Je<e& kesÀ oewjeve, Dee³e/J³e³e ceoeW kesÀ DeueeJee keÀesF& Dev³e ceeceues veneR Les.
- efheíues efJeÊeer³e Je<e& 2020-21 keÀer leguevee ceW 31 cee®e& 2022 keÀes meceehle Je<e& kesÀ oewjeve DeheveeF& ieF& cenlJehetCe& uesKee veerefle³eeW ceW keÀesF& heefjJele&ve
veneR ngDee nw.
31 cee®e&, 2022 keÀes megheefjYeeef<ele ueeYe oeef³elJe keÀe 16237.43 15557.68 1730.20 1726.67
Debeflece Mes<e
³eespevee Deeeqmle³eeW ceW heefjJele&ve
1 Dehe´wue 2021 keÀes ³eespevee Deeeqmle³eeW kesÀ Gef®ele cetu³e keÀe 15198.05 14939.64 1534.62 1720.32
he´ejbefYekeÀ Mes<e
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue 1074.53 1037.01 98.93 106.55
31 cee®e& 2022 keÀes ³eespevee Deeeqmle³eeW kesÀ Gef®ele cetu³e 15807.88 15198.05 1630.51 1534.62
keÀe Debeflece Mes<e
legueve he$e ceW DeefYeef®eeqvnle jeefMe
31 cee®e& 2022 keÀes efveefOeye× oeef³elJe keÀe Jele&ceeve cetu³e 16,237.43 15,557.68 1,730.20 1,726.67
31 cee®e&, 2022 keÀes ³eespevee Deeeqmle³eeW keÀe Gef®ele cetu³e -15,807.88 -15,198.05 -1,630.51 -1,534.62
jCeefveleer
®eeuet mesJee ueeiele 82.63 78.11 100.62 82.84
Je<e& kesÀ oewjeve DeefYeef®eeqvnle Meg× Gheef®ele neefve³eeb/(ueeYe) 203.88 322.69 54.82 211.24
Devegmet®eer 16 ‘keÀce&®eeefj³eeW kesÀ efueSYegieleeve SJeb he´eJeOeeve’ ceW 769.47 364.45 159.76 289.14
Meeefceue megheefjYeeef<ele ueeYe ³eespeveeDeeW keÀer kegÀue ueeiele
met®evee
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue SJeb
JeemleefJekeÀ he´efleHeÀue keÀe efceueeve
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue 1,074.53 1,037.01 98.93 106.55
efjheesì&
ueeYe SJeb neefve Keeles ceW DeefYeef®eeqvnle Ke®es& 769.47 364.45 159.76 289.14
legueve he$e ceW DeefYeef®eeqvnle Meg× os³elee/(Deeeqmle) 152.12 359.63 99.69 192.05
efoveebkeÀ 31 cee®e&, 2022 keÀes heWMeve efveefOe³eeW SJeb Gheoeve efveefOe keÀer ³eespevee Deeeqmle³eeW kesÀ Debleie&le efveJesMe efvecveevegmeej nQ -
$eÝCe he´efleYetefle³eeb, ceveer ceekexÀì he´efleYetefle³eeb SJeb yeQkeÀ peceejeefMe³eeb 22.91 39.23
Deieues Je<e& kesÀ efueS heWMeve SJeb Gheoeve efveefOe ceW Dehesef#ele DebMeoeve ¬eÀceMe: ₹30.08 keÀjes[ leLee ₹76.50 keÀjesæ[ nw.
ii. megheefjYeeef<ele DebMeoeve ³eespevee :
yeQkeÀ kesÀ heeme Ssmes meYeer ÞesefCe³eeW kesÀ DeefOekeÀeefj³eeW Deewj keÀce&®eeefj³eseb keÀes ueeiet megheefjYeeef<ele DebMeoeve heWMeve ³eespevee ([ermeerheerSme) nw, efpevnesbves
yeQkeÀ ceW efoveebkeÀ 01.04.2010 keÀes ³ee GmekesÀ yeeo keÀe³e&ie´nCe efkeÀ³ee nw. ³en ³eespevee SveheerSme Üeje heWMeve HebÀ[ jsieguesìjer Sb[ [sJeueheceWì
jCeefveleer
Dee@Leeefjìer kesÀ lelJeeJeOeeve kesÀ Debleie&le Deeleer nw.vesMeveue efmeke̳eesefjìerpe ef[heeefpeìjer efueefceìs[ (SveSme[erSue) keÀes SveheerSme nsleg mesvì^ue efjkeÀe[&
keÀereEheie SpeWmeer efve³egÊeÀ efkeÀ³ee ie³ee nw.
Je<e& 2021-22 kesÀ oewjeve yeQkeÀ ves ₹146.97 keÀjesæ[ (efJeiele Je<e& ₹103.67 keÀjesæ[)keÀe DebMeoeve efo³ee nw.
iii. oerIe&JeefOe keÀce&®eejer ueeYe (DeefJeÊeer³e oeef³elJe)
Je<e& kesÀ oewjeve, yeQkeÀ ves ₹ 43.24 keÀjesæ[ (iele Je<e& ₹131.20 keÀjesæ[) kesÀ DeJekeÀeMe vekeÀoerkeÀjCe Ke®eeX keÀe Gheef®ele DeeOeej hej cetu³eebkeÀve
efkeÀ³ee nw.
[er) uesKeebkeÀve ceevekeÀ 17 -
Keb[Jeej efjheese\ìie
met®evee
Yeejleer³e efjpeJe& yeQkeÀ kesÀ mebMeesefMele efoMeeefveoxMeeW kesÀ Devegmeej, yeQkeÀ ves he´eLeefcekeÀ efjheese\ìie #es$e kesÀ ªhe ceW ì^spejer heefj®eeueve, keÀe@heexjsì/mebhetCe& yeQeEkeÀie,
efjìsue yeQeEkeÀie leLee Dev³e yeQeEkeÀie J³eJemee³e efveOee&jCe efkeÀ³ee nw. efÜleer³ekeÀ efjheese\ìie #es$e kesÀ efueS keÀesF& J³eJemLee veneR nw.
yeQkeÀ kesÀ he´eLeefcekeÀ Keb[ efvecveefueefKele nQ: -
- ì^spejer
- keÀe@heexjsì / LeeskeÀ yeQeEkeÀie
- efjìsue yeQeEkeÀie
- Dev³e yeQeEkeÀie J³eJemee³e
Jele&ceeve DeebleefjkeÀ, mebieþveelcekeÀ Deewj he´yebOeve efjheese\ìie mebj®evee Deewj GvekesÀ peesefKece Deewj efjìve& keÀer he´ke=Àefle kesÀ DeeOeej hej yeQkeÀ keÀer Jele&ceeve uesKee
Deewj met®evee he´Ceeueer, he´eLeefcekeÀ Keb[eW hej [sìe keÀer ieCevee efvecveevegmeej keÀer ieF& nw:
efjheesì&
i. ì^spejer –
ì^spejer Kbe[ ceW mebhetCe& efveJesMe heesì&HeÀesefue³ees Deewj efJeosMeer cegêe DevegyebOeeW Deewj J³eglheVe DevegyebOeeW ceW J³eeheej Meeefceue nw. ì^spejer Keb[ kesÀ jepemJe
ceW cegK³e ªhe mes efveJesMe heesì&HeÀesefue³ees hej J³eeheej meb®eeueve Deewj y³eepe Dee³e mes MegukeÀ Deewj ueeYe ³ee neefve Meeefceue nw.
ii. keÀe@heexjsì / LeeskeÀ yeQeEkeÀie
keÀe@heexjsì / LeeskeÀ yeQeEkeÀie Keb[ ceW keÀe@heexjsì KeeleeW, ì^mì / heeì&vejefMehe HeÀce& kebÀheefve³eeW Deewj JewOeeefvekeÀ efvekeÀe³eeW keÀer GOeej ieefleefJeefOe³eeB Meeefceue nQ
pees efjìsue yeQeEkeÀie Deewj mì^sm[ Smesì cewvespeceWì ye´eb®e kesÀ lenle Meeefceue veneR nQ. FveceW keÀe@heexjsì Deewj mebmLeeiele ie´enkeÀeW keÀes $eÝCe Deewj uesveosve mesJeeSb
he´oeve keÀjvee Meeefceue nw.
iii. Kegoje yeQeEkeÀie efJeÊeer³e
Kegoje yeQeEkeÀie Keb[ ceW Kegoje MeeKeeSB Meeefceue nQ, efpemeceW cegK³e ªhe mes J³eefÊeÀiele yeQeEkeÀie ieefleefJeefOe³eeB Meeefceue nQ, efpemeceW Fve MeeKeeDeeW kesÀ meeLe
yeQeEkeÀie mebyebOe jKeves Jeeues keÀe@heexjsì ie´enkeÀeW keÀes GOeej ieefleefJeefOe³eeB Meeefceue nQ. Kegoje yeQeEkeÀie Keb[ ceW ₹5 keÀjesæ[ (efveefOe DeeOeeefjle Deewj iewj-
efveefOe DeeOeeefjle SkeÌmeheespej meefnle) keÀer meercee lekeÀ kesÀ meYeer SkeÌmeheespej Meeefceue nQ, pees DeefYeefJev³eeme Glheeo ie´wv³eguewefjìer ceeveob[ Deewj J³eefÊeÀiele
SkeÌmeheespej kesÀ DeOeerve nQ. Fme Keb[ ceW SpeWmeer J³eJemee³e Deewj SìerSce Yeer Meeefceue nQ.
222
efJeJejCe 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Keb[ os³eleeSb 191,840.34 197,847.45 62,615.86 54,166.02 1,04,582.69 90,696.43 - - 3,59,038.89 3,42,709.90
Deveeyebefìle os³eleeSb
kegÀue os³eleeSb 3,59,038.89 342,709.90
*peneb keÀneR he´l³e#e DeeJebìve mebYeJe veneR nw JeneB Keb[ jepemJe Deewj J³e³e keÀer Keb[ mecheefÊe kesÀ DeeOeej hej efJeYeeefpele efkeÀ³ee ie³ee nw. Jele&ceeve JeieeakeÀjCe keÀer hegeqä keÀjves kesÀ efueS peneb keÀneR Yeer DeeJeM³ekeÀ
mecePee ie³ee, DeekeÀ*eW keÀes mecetnerke=Àle efkeÀ³ee ie³ee nw.
e) uesKee ceevekeÀ 18 kesÀ Devegmeej mecye× heeìea he´keÀìerkeÀjCe – mecye× heeìea
mecye× heee|ì³eeW keÀer met®eer :
I. he´cegKe he´yebOekeÀer³e heoeefOekeÀejer
veece heoveece
i)
Þeer Sce Jeer jeJe he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
ii)
Þeer DeeueeskeÀ ÞeerJeemleJe keÀe³e&heeuekeÀ efveosMekeÀ
iii)
Þeer efJeJeskeÀ Jeener keÀe³e&heeuekeÀ efveosMekeÀ
iv)
Þeer jepeerJe hegjer keÀe³e&heeuekeÀ efveosMekeÀ
Deveg<ebefie³eeB
II.
jCeefveleer
veece
i)
mesvì yeQkeÀ nesce HeÀeFveWme efueefceìs[
ii)
mesvì yeQkeÀ HeÀeFveQefMe³eue SC[ keÀmìesef[³eue mee|Jemesme efueefceìs[
men³eesieer –
III.
i) #es$eer³e ie´eceerCe yeQkeÀ
GÊej efyenej ie´eceerCe yeQkeÀ, cegpeHeÌHeÀjhegj (efyenej)
GÊejyebie #es$eer³e ie´eceerCe yeQkeÀ, ketÀ®e efyenej (heeq½ece yebieeue)
ii) Fb[es-peeeqcye³ee yeQkeÀ efueefceìs[, peeeqcye³ee
# heeefjÞeefcekeÀ efJeJejCe kesÀ mebyebOe ceW mebyebefOele heeìea he´keÀìerkeÀjCe kesÀ mebyebOe ceW veesì mebK³ee 13 ceW GuuesKe efkeÀ³ee ie³ee nw.
met®evee
SHeÀ) uesKeebkeÀve ceevekeÀ 20 - he´efle Mes³ej Dee³e
uesKeebkeÀve ceevekeÀ 20 kesÀ Devegmeej he´efle Mes³ej Dee³e efvecveevegmeej ngF& nw :
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
FeqkeÌJeìer Mes³ej OeejkeÀeW kesÀ efueS keÀj kesÀ yeeo GheueyOe Meg× neefve. (₹keÀjesæ[ ces) 1044.83 (887.58)
Yeeefjle Deewmele FeqkeÌJeìer Mes³ej ( mebK³ee) 823,51,53,502 579,37,98,207
he´efle Mes³ej cetue Dee³e (₹)* 1.27 (1.53)
he´efle Mes³ej [e³eu³etìs[ Dee³e(₹) * 1.27 (1.53)
he´efle Mes³ej meebkesÀeflekeÀ Dee³e (₹)* 10 10
efjheesì&
peer) uesKeebkeÀve ceevekeÀ 22 – Dee³e hej keÀjeW kesÀ efueS uesKeebkeÀve
Yeejleer³e efjpeJe& yeQkeÀ Üeje meerF&ìer 1 keÀer heefjieCevee ceW DeemLeeefiele keÀj Deeeqmle³eeW ([erìerS) kesÀ efoMeeefveoxMeeW ceW mebMeesOeve SJeb he´eJeOeeveerkeÀjCe keÀer
cenlJehetCe& DeeJeM³ekeÀleeDeeW keÀes O³eeve ceW jKeles ngS, mece³eeblejCe kesÀ meehes#e he´yebOeve Üeje Devegceeefvele mebYeeJ³e keÀj ueeYe kesÀ DeeOeej hej keÀer ieF& meceer#ee
mes efoveebkeÀ 31 cee®e&,2022 keÀes ₹6,862.05 keÀjesæ[ DeemLeeefiele keÀj Deeeqmle³eeW kesÀ ªhe ceW DeefYeef®eeqvnle efkeÀS ieS nQ. efoveebkeÀ 31 cee®e&, 2022
keÀes DeemLeefiele keÀj Deeeqmle³eeW/os³eleeDeeW kesÀ he´cegKe IeìkeÀ efvecveevegmeej nQ:
efheíues Je<e& kesÀ DeeBkeÀæ[eW keÀes ®eeuet Je<e& kesÀ JeieeakeÀjCe keÀer hegeqä keÀjves kesÀ efueS peneB keÀneR DeeJeM³ekeÀ mecePee ie³ee, hegveJe&ieeake=Àle/hegveJe&ieeake=Àle efkeÀ³ee
ie³ee nw.
yeer. yeQkeÀeW Üeje peejer ®egkeÀewleer Deeéeemeve he$e keÀe efJeJejCe Deewj 31.03.2022 keÀes yekeÀe³ee jeefMe
(jeefMe ₹ keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
Je<e& kesÀ oewjeve peejer ®egkeÀewleer Deeéeemeve he$e 0 0
Je<e& kesÀ oewjeve heefjhekeÌJe/efvejmle efkeÀ³ee ie³ee ®egkeÀewleer Deeéeemeve he$e 0 0
Je<e& kesÀ Deble ceW yekeÀe³ee ®egkeÀewleer Deeéeemeve he$e 0 0
meer. Jen JeW[me& efpevekeÀer mesJeeDeeW keÀe Ghe³eesie efkeÀ³ee peelee nw, GvekeÀe ®e³eve SceSmeSceF& #es$e Deewj met#ce, ueIeg Deewj ceO³ece GÐece efJekeÀeme
DeefOeefve³ece, 2006 kesÀ mebyebOe ceW Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegheeueve ceW efkeÀ³ee peelee nw. Fme hej uesKeehejer#ekeÀeW Üeje efJeéeeme efkeÀ³ee
ie³ee nw.
pes) met®evee megj#ee, FueskeÌì^e@efvekeÀ yeQeEkeÀie, lekeÀveerkeÀer peesefKece he´yebOeve SJeb meeFyej OeesKeeOeefæ[³eeW hej efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve
yeQkeÀ ves Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e DeejyeerDeeF&/ 2010-11/ 494 [eryeerSme.meerDees.DeeF&ìermeer.yeermeer.meb.6/31.02.008/2010-11 efoveebkeÀ
29 Dehe´wue 2011 kesÀ Devegmeej veerefle³eeb lew³eej keÀer nQ. Fve veerefle³eeW keÀer he´yebOeleb$e Üeje DeeJeefOekeÀ meceer#ee keÀer peeleer nw. Fve veerefle³eeW keÀer efheídueer meceer#ee
efoveebkeÀ 30.03.2022 keÀes Dee³eesefpele yewþkeÀ ceW efveosMekeÀ ceb[ue Üeje keÀer ieF& Leer.
kesÀ) Yeejleer³e efj]peJe& yeQkeÀ ves Deheves 13 petve 2017 kesÀ he$e kesÀ ceeO³ece mes G®®e efveJeue Devepe&keÀ Deeeqmle³eeb(SveheerS) Deewj heefjmebheefÊe³eeW hej vekeÀejelcekeÀ
efjìve& keÀes osKeles ngS yeQkeÀ keÀes MeerIe´ megOeejelcekeÀ keÀej&JeeF&(heermeerS) kesÀ lenle jKee nw. yeQkeÀ heermeerS {eb®es kesÀ ceeveob[eW keÀe meeJeOeeveerhetJe&keÀ heeueve
keÀj jne nw. yeQkeÀ ves SkeÀ keÀe³e& ³eespevee lew³eej keÀer nw Deewj SveheerS keÀes keÀce keÀjves Deewj ueeYehe´olee ceW megOeej kesÀ efueS efJeefYeVe keÀoce GþeS nQ.
Sue) efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes ®eeuet Je<e& kesÀ JeieeakeÀjCe keÀer hegeqä keÀjves kesÀ efueS peneb keÀneR DeeJeM³ekeÀ mecePee ie³ee, hegveJe&ieeake=Àle/hegve: Jeieeake=Àle efkeÀ³ee
ie³ee nw.
Þeer nee|okeÀ Sce mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þeer he´oerhe ÒeeCeueeue efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meer.S efjlesMe Deie´Jeeue) (meer.S efkeÀjCe kesÀ.oHeÌlejer) (meer.S efJepe³e Mesueej) (meer.S heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeF&heer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeFhee[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeFhee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeFhee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
(₹ keÀjesæ[ ceW))
¬eÀ. efJeJejCe 31-03-2022 31-03-2021
meb
S heefj®eeueve ieefleefJeefOe³eeW mes vekeÀo he´Jeen
jCeefveleer
keÀj hetJe& Meg× ueeYe/(neefve) 1,716.96 (1,323.61)
I mecee³eespeve nsleg :
De®eue Deeeqmle³eeW hej cetu³eÛeme 296.61 292.32
De®eue Deeeqmle³eeW keÀer efye¬eÀer hej (ueeYe)/ neefve (Meg×) (9.13) 21.00
met®evee
Deveg<ebefie³eeW mes he´ehle ueeYeebMe (8.01) (6.48)
efjheesì&
efveJesMe ceW (Je=ef×) / keÀceer 7,426.61 (6,464.03)
he´l³e#e keÀjeW keÀe Yegieleeve (Jeehemeer keÀer jeefMe Fl³eeefo meefnle) 285.45 1,641.94
ueeYeebMe keÀj - -
[er efveJeue vekeÀo ceW Je=ef× Deewj vekeÀo mecekeÀ#e (S + yeer + meer) ³ee (SHeÀ - F&) 14,143.03 2,874.19
yeQkeÀ ceW pecee Mes<e leLee ceebie SJeb Deuhe met®evee hej Mes<e 6,763.46 6,017.29
Je<e& kesÀ he´ejbYe ceW Meg× vekeÀo Deewj vekeÀo mecekeÀ#e (F&) 38,951.30 36,077.11
yeQkeÀ ceW pecee Mes<e leLee ceebie SJeb Deuhe met®evee hej Mes<e 15,060.63 6,763.46
Je<e& kesÀ Deble ceW Meg× vekeÀo Deewj vekeÀo mecekeÀ#e (SHeÀ) 53,094.33 38,951.30
efìhheefCe³eeB:
1) GÊeÀ vekeÀo he´Jeen efJeJejCeer DeeF&meerSDeeF& Üeje peejer vekeÀo he´Jeen efJeJejCeer hej uesKeebkeÀve ceevekeÀ-3 ceW efveOee&efjle efkeÀS Devegmeej “Dehe´l³e#e ceeO³ece” kesÀ
Debleie&le lew³eej efkeÀS ieS nw.
2) efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes Jele&ceeve Je<e& ceW megefveeq½ele keÀjves kesÀ efueS hegveme&ceeefnle /hegveJ³e&JeeqmLele efkeÀ³ee ie³ee nw.
Þeer nee|okeÀ Sce mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þeer he´oerhe ÒeeCeueeue efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meer.S efjlesMe Deie´Jeeue) (meer.S efkeÀjCe kesÀ.oHeÌlejer) (meer.S efJepe³e Mesueej) (meer.S heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeF&heer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeFhee[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeFhee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeFhee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
jCeefveleer
mJeleb$e uesKeehejer#ekeÀeW keÀer efjheesì&
he´efle, meom³eieCe hetJeexÊeÀ mecesefkeÀle efJeÊeer³e efJeJejCe yeQeEkeÀie efJeefve³eceve DeefOeefve³ece,
mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee 1949 (FmekesÀ yeeo “DeefOeefve³ece” kesÀ ªhe ceW meboe|Yele) Üeje DeeJeM³ekeÀ
cegcyeF& peevekeÀejer, Fme lejn osles nQ pees Yeejle ceW Deece leewj hej mJeerkeÀej efkeÀS
ieS uesKeebkeÀve efme×ebleeW kesÀ Devegªhe nQ, Deewj
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee hej efjheesì&
S) 31 cee®e& 2022 keÀes mecetn kesÀ mecesefkeÀle legueve he$e, Gme hej efkeÀS
met®evee
DeefYecele
ieS veesì kesÀ meeLe heæ{e ie³ee SkeÀ hetCe& Deewj efve<he#e leguevehe$e nw,
1. nceves mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee (“cetue yeQkeÀ”) keÀer mebueive mecesefkeÀle efpemeces meYeer DeeJeM³ekeÀ efJeJejCe Meeefceue nQ ,efpemes þerkeÀ mes lew³eej
efJeÊeer³e efJeJejefCe³eeW keÀer uesKee hejer#ee keÀer nw, efpemeceW efoveebkeÀ 31 cee®e&, efkeÀ³ee ie³ee nw leeefkeÀ 31 cee®e& 2022 keÀes yeQkeÀ keÀer eqmLeefle kesÀ yeejs
2021 keÀe mecesefkeÀle legueve he$e, mecesefkeÀle ueeYe neefve Keeles leLee meceehle ces mener Deewj efve<he#e ¢<³e he´oe|Mele efkeÀ³ee pee mekesÀ
Je<e& kesÀ efueS mecesefkeÀle vekeÀo he´Jeen efJeJejCe SJeb cenlJehetCe& uesKeebkeÀve
yeer) Gme leejerKe keÀes meceehle Je<e& kesÀ efueS mecesefkeÀle ueeYe Deewj neefve
veerefle³eeW kesÀ meb#eshe meefnle mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW hej veesìdme leLee
Keeles kesÀ ceeceues ceW Mes<e ueeYe keÀer mener eqmLeefle oMee&lee nw.
Dev³e J³eeK³eelcekeÀ met®eveeDeeW (FmekesÀ yeeo “mecesefkeÀle efJeÊeer³e efJeJejCe”
kesÀ ªhe ceW meboe|Yele ) efpemeceW meer) mecesefkeÀle vekeÀoer he´Jeen efJeJejCe Gme leejerKe keÀes meceehle Je<e& kesÀ
efjheesì&
efueS mener Deewj efve<he#e vekeÀo he´Jeen keÀes he´oe|Mele keÀjleer Deewj
(S) nceejs Üeje cetue yeQkeÀ keÀer uesKee hejeref#ele efJeÊeer³e efJeJejCeer
DeefYecele keÀe DeeOeej
(yeer) 2 mene³ekeÀ kebÀheefve³eeW (1) meWì yeQkeÀ nesce ]HeÀeF&vesvme efueefceìs[
Deewj (2) meWì yeQkeÀ ]HeÀeF&veWefMe³eue mee|Jemespe efueefceìs[ kesÀ Dev³e 2. nceves nceejer uesKeehejer#ee Fbmìerìîetì Dee@HeÀ ®eeì&[& SkeÀeGbìWìdme
uesKeehejeref#ekeÀeW Üeje uesKeehejeref#ele Keeles SJeb Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer uesKeebkeÀve ceevekeÀeW (SmeS) kesÀ
Devegªhe keÀer nw. Gve ceevekeÀeW kesÀ Debleie&le nceeje GÊejoeef³elJe, nceejer
(meer) 3 men³eesefie³eeW (1)GÊej efyenej ie´eceerCe yeQkeÀ cegpeHeÌHeÀjhegj (2)
efjheesì& kesÀ mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee Keb[ ceW Meeefceue
GÊejyebiee #es$eer³e ie´eceerCe yeQkeÀ ketÀ®e efyenej SJeb (3) Fb[es-]peeeqcye³ee
uesKeehejer#ekeÀeW kesÀ GÊejoeef³elJe ceW hegveë J³eeK³eeef³ele nw. veweflekeÀlee
yeQkeÀ efueefceìs[ kesÀ DeuesKeehejeref#ele Keeles keÀer efJeÊeer³e efJeJejefCe³eeb
DeeJeM³ekeÀleeDeeW kesÀ meeLe DeeF&meerSDeeF& Üeje peejer veweflekeÀlee keÀes[
efJeÊeer³e
meceeefnle nQ.
kesÀ Devegªhe nce yeQkeÀ mes mJeleb$e nw, pees yeQeEkeÀie efJeefve³ece DeefOeefve³ece,
GhejesÊeÀ mebmLeeDeeW keÀes cetue yeQkeÀ kesÀ meeLe Deeies mecetn kesÀ ªhe ces 1949 kesÀ he´eJeOeeveeW kesÀ Debleie&le mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀer
meboe|Yele efkeÀ³ee peeSiee nceejer uesKeehejer#ee kesÀ efueS he´emebefiekeÀ nQ Deewj Fve DeeJeM³ekeÀleeDeeW
nceejer je³e ceW Deewj nceejer meJeexÊece peevekeÀejer kesÀ Devegmeej Deewj nceW efoS leLee veweflekeÀlee keÀes[ kesÀ Devegªhe nceves Deheves Dev³e veweflekeÀ GÊejoeef³elJeeW
ieS mheäerkeÀjCeeW kesÀ Devegmeej, Deewj Deueie-Deueie efJeÊeer³e efJeJejCeeW hej keÀes hetje efkeÀ³ee nw. nceW efJeéeeme nw efkeÀ nceW he´ehle uesKee hejer#ee mee#³e
Dev³e uesKee hejer#ekeÀeW keÀer efjheesì& Deewj mene³ekeÀ Deewj men³eesieer keÀer Dev³e he³ee&hle nQ Deewj mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW hej nceejs DeefYecele kesÀ efueS
efJeÊeer³e peevekeÀejer kesÀ DeeOeej hej, DeuesKeehejeref#ele efJeÊeer³e efJeJejCe SkeÀ Gef®ele DeeOeej he´oeve keÀjlee nw.
Deewj he´yebOeve Üeje he´mlegle men³eesefie³eeW keÀer Dev³e efJeÊeer³e peevekeÀejer,
jCeefveleer
efveJesMeeW keÀe cetu³eebkeÀve, Devepe&keÀ efveJesMeeW (SveheerDeeF&) Deewj mebiele ceW nceves yeQkeÀ Üeje efveOee&efjle efmemìce Deewj DeebleefjkeÀ efve³eb$eCe keÀe
mecyebefOele Dee³e he´ehle ve nesves keÀer hen®eeve SJeb Gve hej he´eJeOeeve, DeebkeÀueve efkeÀ³ee nw Deewj Gmes mecePee nw.
YeeefjyeQkeÀ kesÀ he´emebefiekeÀ heefjhe$eeW /efoMeeefveoxMeeW/ efveoxMeeW kesÀ » YeeefjyeQ kesÀ efoMeeefveoxMeeW keÀer mebiele ceW he´efleYetefle keÀer he´l³eskeÀ ÞesCeer kesÀ efueS
Devegmeej efkeÀ³ee peelee nw. (efJeÊeer³e efJeJejefCe³eeW keÀer Devegmet®eer 17 hegveceg&u³eebkeÀve Üeje YeeefjyeQkeÀ kesÀ ceemìj heefjhe$eeW SJeb efoMeeefveoxMeeW kesÀ
kesÀ veesì 4 kesÀ meeLe heefþle Devegmet®eer 8 keÀe meboYe& ueW) Devegheeueve kesÀ meeLe efveJesMeeW kesÀ ®e³eefvele vecetveeW kesÀ efueS Meg×lee Deewj
GÊeÀ he´efleYetefle kesÀ he´l³eskeÀ he´keÀej keÀe cetu³eebkeÀve YeeefjyeQkeÀ Üeje Devegheeueve keÀer peeb®e keÀer ieF& nw.
peejer heefjhe$eeW Deewj DeeosMeeW ceW efveOee&efjle he×efle kesÀ Devegmeej » nceves SveheerDeeF& kesÀ hen®eeve keÀer he´ef¬eÀ³ee, Deewj Dee³e keÀer leovegªhe efvejmeve
keÀjvee nesiee, efpeveceW efJeefYeVe ñeesleeW mes mebie´efnle [eìe/ met®eveeSb Deewj he´eJeOeeveeW kesÀ me=peve keÀe DeebkeÀueve SJeb cetu³eebkeÀve efkeÀ³ee nw.
pewmes efkeÀ SHeÀefyeue oj, yeerSmeF&/SveSmeF& hej he´oe|Mele ojeW, iewj » nceves, mJeleb$e ªhe mes hegveë heefjkeÀueve keÀjves, he´eJeOeeve me=efpele keÀjves Deewj
met®eerye× keÀcheefve³eeW keÀer efJeÊeer³e efJeJejefCe³eeb, he´efleYetefle jmeeroeW kesÀ
met®evee
cetu³eÛeme he´oeve keÀjves kesÀ efueS cetue uesKeehejer#ee he´ef¬eÀ³ee DeheveeF& nw.
ceeceues ceW SveSJeer Fl³eeefo Meeefceue nw.
» nceves osKee nw efkeÀ ³en efJeÊeer³e efJeJejCeeW keÀe he´keÀìve he´Jele&ceeve uesKee
YeeefjyeQ. kesÀ DeeosMeeW kesÀ Devegmeej, kegÀí efveeq½ele efveJesMe nw pees yeepeej ceevekeÀeW Deewj DeejyeerDeeF& efoMeeefveoxMeeW keÀer DeeJeM³ekeÀleeDeeW kesÀ meboYe& ceW
cetu³e hej cetu³eebefkeÀle nw leLeeefhe kegÀí efveeq½ele efveJesMe cetu³eebkeÀve yeQkeÀ kesÀ efveJesMe cegu³eebkeÀve peesefKece keÀes he³ee&hle ªhe mes oMee&lee nw.
he×efle³eeW hej DeeOeeefjle nw efpemeceW Deblee|veefnle hetJee&vegceeveeW kesÀ meeLe
meebK³ekeÀer³e cee@[ue, efJeÊeer³e efJeJejefCe³eeW Fl³eeefo hej DeeOeeefjle
cetu³eebkeÀve hej keÀercele keÀe efveOee&jCe Deeefo Yeer Meeefceue nw. Fve
efveJesMeeW kesÀ cetu³eebkeÀve kesÀ efueS efveeq½ele keÀer ieF& keÀercele kesÀJeue
efveJesMeeW keÀe efve<he#e efveOee&jCe nw.
FmeefueS efveJesMeeW kesÀ cetu³eebkeÀve hej efJeMes<e O³eeve osves keÀer
DeeJeM³ekeÀlee nesleer nw Deewj Deeies efJeÊeer³e efJeJejefCe³eeW ceW efveJesMeeW
efjheesì&
keÀer jeefMe kesÀ cenlJe keÀes O³eeve ceW jKeles ngS, Gme hej nceejer
uesKeehejer#ee ceW cetue uesKeehejer#ee ceeceues kesÀ ªhe ceW efJe®eej efkeÀ³ee
peelee nw.
3. efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee ceW met®evee he´ewÐeesefiekeÀer (DeeF&ìer) nceves cetu³eebkeÀve keÀj cetue DeeF&ìer ShueerkesÀMeve, [eìeyesme Deewj heefj®eeueve
he´Ceeueer keÀe Ghe³eesie - he´Ceeueer keÀer hen®eeve keÀer, pees nceejer uesKee hejer#ee kesÀ efueS he´emebefiekeÀ nw Deewj
mecetn keÀer heefj®eeueve Deewj efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee keÀesj yeQeEkeÀie efJeÊeer³e efjheese\ìie kesÀ efueS he´eLeefcekeÀ ªhe mes he´emebefiekeÀ meeryeerSme SJeb ì^spejer
meesu³etMevme (meeryeerSme) Deewj Dev³e mJe®eeefuele he´ef¬eÀ³ee kesÀ meeLe efmemìce keÀes ef®eeqvnle efkeÀ³ee. uesKeehejer#ee Deewj efJeÊeer³e met®eveeDeeW keÀes lew³eej
meceeqvJele mee@HeÌìJes³ej kesÀ ceeO³ece mes meb®eeefuele DeeF&ìer he´Ceeueer hej keÀjves ceW Ghe³eesie efkeÀS pee jns meeryeerSme Deewj ì^spejer heefj®eeueve mes mebyebefOele
efveYe&j nw Deewj uesveosveeW keÀer ye=no cee$ee keÀes efve³ebef$ele keÀjleer nw. cetue DeeF&ìer efmemìce kesÀ efueS nceejer uesKeehejer#ee keÀe HeÀeskeÀme #es$e DeefYeiece
megj#ee (efJeMes<eeefOekeÀej he´ehle kesÀ Thej efve³eb$eCe meefnle) kesÀ meeLe ShueerkesÀMeve
efJeÊeer³e
he´ef¬eÀ³ee SJeb efve³eb$eCe, Gef®ele Ghe³eesiekeÀlee& meb®eeueve Deewj Ghe³eesie heefjJele&ve efve³eb$eCe, [eìeyesme he´yebOeve Deewj vesìJeke&À heefj®eeueve kesÀ efueS nw.
ceW Dee jns he´yebOekeÀer³e he´ef¬eÀ³eeDeeW keÀes megefveeq½ele keÀjves kesÀ efueS nw. efJeMes<e ªhe mes :
yeQkeÀ kesÀ heeme DeeF&ìer mesJeeDeeW kesÀ jKejKeeJe kesÀ efueS G®®e » nceves uesKeehejer#ee DeJeefOe kesÀ oewjeve yeQkeÀ keÀer DeeF&ìer efve³eb$eCe eqmLeefle
he´yebOeleb$e kesÀ he³e&Jes#eCe SJeb efJeMes<e%e hejeceMe& SpeWefme³eeW men³eesie SJeb cetue heefjJele&veeW keÀes mecePee nw pees uesKeehejer#ee kesÀ efueS he´emebefiekeÀ nes
kesÀ DeOeerve keÀe³e&jle DeebleefjkeÀ met®evee SJeb he´ewÐeesefiekeÀer([erDeeF&ìer) mekeÀleer nw.
efJeYeeie nw.
» nceves yeQkeÀ kesÀ cetue DeeF&ìer efmemìce kesÀ Thej meeceev³e DeeF&ìer efve³eb$eCeeW
leovegmeej, nceejer uesKeehejer#ee cetue DeeF&ìer he´Ceeueer Deewj efve³eb$eCe kesÀ ef[peeFve, keÀe³ee&vJe³eve Deewj heefj®eeueve he´YeeefJelee keÀer peeb®e keÀer nw pees
kesÀ efJeÊeer³e efJeJejefCe³eeW hej J³eehekeÀ he´YeeJe kesÀ keÀejCe Gme hej efJeÊeer³e efJeJejCeeW kesÀ efueS cenlJehetCe& nQ. FmeceW keÀle&J³eeW kesÀ he=LekeÀkeÀjCe
keWÀefêle keÀer ieF& nw Deewj Fme hej nceejs uesKeehejer#ee ceW cetue uesKee cetu³eebkeÀve Deewj efJeefOeJele Devegceesefole DeeJesoveeW hej DeeOeeefjle he´eJeOeeve/
hejer#ee ceeceues ceW efJe®eej efkeÀ³ee ie³ee nw. mebMeesefOele efkeÀS ieS DeefOekeÀejeW kesÀ meb®eeueve, mece³eye× lejerkesÀ ceW efvejmle
efkeÀS ieS SeqkeÌpeì ceeceueeW kesÀ meb®eeueve kesÀ efueS yeQkeÀ kesÀ efve³eb$eCe keÀe
cetu³eebkeÀve Meeefceue nw.
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW kesÀ DeefleefjÊeÀ met®evee leLee Gme hej nceeje ³en GÊejoeef³elJe nw efkeÀ Ghe³eg&ÊeÀ ef®eeqvnle Dev³e met®evee peye
uesKeehejer#ekeÀ keÀer efjheesì& Yeer GheueyOe nesieer, Gmes heæ{vee nw Deewj Ssmee keÀjles ngS Fme yeele hej
5. cetue yeQkeÀ he´yebOeve SJeb efveosMekeÀ ceb[ue Dev³e met®eveeDeeW kesÀ efueS GÊejoe³eer efJe®eej keÀjvee nw efkeÀ ke̳ee Dev³e met®evee mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW kesÀ
nw. Dev³e met®evee ceW DevegueivekeÀeW meefnle keÀe@jheesjsì ieJeveXme efjheesì& pees meeLe DeLeJee uesKeehejer#ee ceW nces he´ehle peevekeÀejer kesÀ meeLe JeemleefJekeÀ
nceves ³en uesKeehejer#ee efjheesì& peejer keÀjles mece³e he´ehle keÀer Leer SJeb Demebiele nw DeLeJee Jen Dev³eLee efJe<e³e mes De³eLeeLe& he´leerle nesleer nw.
efveosMekeÀ ceb[ue keÀer efjheesì& Deewj he´yevOeleb$e mes ®e®ee& Deewj efJeMues<eCe pees uesKeehejer#ee efjheesì& mes hetJe& he´ehle Dev³e met®evee hej nceejs Üeje efkeÀS
FmekesÀ yeeo nceW he´ehle nesvee Dehesef#ele nw, Meeefceue nw eEkeÀleg FmeceW efJeÊeer³e ieS keÀe³e& kesÀ DeeOeej hej ³eefo nce Fme efve<keÀ<e& hej hengb®eles nQ efkeÀ ³en
efJeJejefCe³eeb Deewj Gve hej nceejs uesKeehejer#ekeÀeW keÀer efjheesì& Meeefceue veneR De³eLeeLe& he´leerle nesleer nw lees nceW ³en leL³e oMee&vee neslee nw. nceW Fme
nw. mecyebOe ceW kegÀí veneR keÀnvee nw.
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW hej nceejer je³e ceW Dev³e met®evee SJeb peye nce DevegueivekeÀeW kesÀ meeLe efveosMekeÀeW keÀer efjheesì& Deewj he´yebOeleb$e
ve³es hetbpeer he³ee&hlelee {eb®es (yesmeue III he´keÀìerkeÀjCe) kesÀ lenle efheuej 3 efJe®eej-efJeceMe& SJeb efJeMues<eCe heæ{les nQ Deewj ³eefo nce ³en efve<keÀ<e&
he´keÀìerkeÀjCe Meeefceue veneR nw Deewj nce Fme hej keÀesF& Deeéeemeve efve<keÀ<e& efvekeÀeueles nQ efkeÀ ³en De³eLeeLe& he´leerle nesleer nw lees nceW Gve Deejesefhele
J³eÊeÀ veneR keÀjles nQ. ceeceues keÀes ieJeveXme keÀes metef®ele keÀjvee DeeJeM³ekeÀ nw Deewj ueeiet efJeefOe SJeb
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀer nceejer uesKeehejer#ee kesÀ mebyebOe ceW, efJeefve³eecekeÀeW kesÀ Debleie&le keÀe³e&Jeener efveOee&efjle keÀjveer nesieer.
jCeefveleer
yeQkeÀ keÀer mecesefkeÀle efJeÊeer³e eqmLeefle, efJeÊeer³e keÀe³e& efve<heeove Deewj mecetn ieuele efJeJejCe keÀe helee veneR ueieeves keÀe peesefKece $egefì kesÀ heefjCeemJeªhe
keÀe mecesefkeÀle vekeÀo he´Jeen kesÀ ceeceues ceW mel³e SJeb Gef®ele peevekeÀejer oslee nesves Jeeues SkeÀ mes DeefOekeÀ nQ ke̳eeWefkeÀ OeesKeeOeæ[er ceW efceueerYeiele,
nw. Fme GÊejoeef³elJe ceW me®®ee Deewj efve<he#e he´oMe&ve keÀjves Jeeueer leLee peeuemeepeer, peeveyetPekeÀj ®etkeÀ, ieuele ye³eeveer ³ee DeebleefjkeÀ efve³eb$eCe
OeesKeeOe[er ³ee $egefì kesÀ keÀejCe ieuele efJeJejCe mes cegÊeÀ mecesefkeÀle efJeÊeer³e keÀe DeesJejjeF[ meeqcceefuele nes mekeÀlee nw.
efJeJejefCe³eeW keÀes lew³eej SJeb he´mlegle keÀjves kesÀ efueS mecetn keÀer Deeeqmle³eeW » uesKeehejer#ee mes mecyebefOele DeebleefjkeÀ efve³eb$eCeeW keÀes mecePevee
keÀer megj#ee nsleg DeefOeefve³ece kesÀ he´eJeOeeveeW kesÀ Devegmeej he³ee&hle uesKeebkeÀve leeefkeÀ uesKeehejer#ee he´ef¬eÀ³eeDeeW keÀes ef[peeFve efkeÀ³ee pee mekesÀ pees
efjkeÀe@[& kesÀ jKejKeeJe meefnle OeesKeeOeæ[er SJeb Dev³e Deefve³eefceleleeDeeW keÀes heefjeqmLeefle³eeW ceW Ghe³egÊeÀ nes, uesefkeÀve mecetn kesÀ DeebleefjkeÀ efve³eb$eCe
jeskeÀves SJeb meceehle keÀjves nsleg, Ghe³egÊeÀ uesKeebkeÀve veerefle³eeW keÀe ®e³eve leLee keÀer he´YeeJeMeeruelee hej je³e J³eÊeÀ keÀjvee FmekeÀe GÜsM³e veneR neslee nw.
GvnW ueeiet keÀjvee, efveCe&³e uesvee leLee ³en Devegceeve ueieevee efkeÀ Jes Gef®ele
met®evee
Deewj efJeJeskeÀhetCe& nw Deewj uesKeebkeÀve efjkeÀe@[& keÀer Meg×lee leLee heefjhetCe&lee » he´³eesie keÀer ieF& uesKeebkeÀve veerefle³eeW kesÀ Deewef®el³e Deewj he´yebOeve Üeje
megefveeq½ele keÀjves nsleg he³ee&hle DeebleefjkeÀ efJeÊeer³e efve³eb$ekeÀeW keÀer ef[]peeFve, efkeÀS ieS uesKeebkeÀve DevegceeveeW SJeb mecyebefOele he´keÀìerkeÀjCe keÀe
keÀe³ee&vJe³eve leLee jKejKeeJe keÀe he´YeeJeer heefj®eeueve keÀjvee Yeer Meeefceue cetu³eebkeÀve keÀjvee.
nw. » uesKeebkeÀve leLee efueS ieS uesKeebkeÀve mee#³e hej DeeOeej hej he´yebOeve
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀes lew³eej keÀjves keÀe³e&Meerue mebmLee kesÀ Ghe³eesie keÀer Ghe³egÊeÀlee hej Deewj he´ehle uesKee hejer#ee mee#³e kesÀ DeeOeej
leewj efvejblej yeves jnves kesÀ efueS yeQkeÀ keÀer #ecelee keÀe DeebkeÀueve keÀjves, hej efve<keÀ<e& efvekeÀeuevee efkeÀ ke̳ee Ssmeer IeìveeDeeW ³ee eqmLeefle³eeW mes
keÀe³e&Meerue mebmLeeDeeW keÀes ueeiet ceeceueeW mebyebOeer he´keÀìerkeÀjCe leLee mebyebefOele keÀesF& YeeweflekeÀ Deefveeq½elelee ceewpeto nw pees mecetn keÀes SkeÀ
keÀe³e&Meerue mebmLee DeeOeeefjle uesKeebkeÀve keÀe Ghe³eesie keÀjves kesÀ efueS mecetn keÀe³e&Meerue mebmLee kesÀ ªhe ceW peejer jKeves keÀer #ecelee hej cenlJehetCe&
mebosn hewoe keÀj mekeÀleer nw. ³eefo nce ³en efve<keÀ<e& efvekeÀeueles nQ
efjheesì&
kesÀ mebyebefOele efveosMekeÀ ceb[ue GÊejoe³eer nw leye lekeÀ mecetn keÀe mebyebefOele
efveosMekeÀ ceb[ue ve lees yeQkeÀ keÀe heefjmeceeheve keÀjsiee ³ee heefj®eeueve jeskesÀiee efkeÀ YeeweflekeÀ Deefveeq½elelee ceewpeto nw lees nceW Dehevee O³eeve Deheves
peye lekeÀ Ssmee keÀjves efmeJee³e keÀesF& Dev³e JeemleefJekeÀ efJekeÀuhe ve nes. uesKeehejer#ekeÀ keÀer efjheesì& ceW mecesefkeÀle efJeÊeer³e efJeJejCeeW mes mebyebefOele
mecetn keÀe mebyebefOele efveosMekeÀ ceb[ue mecetn kesÀ efJeÊeer³e efjheese\ìie he´ef¬eÀ³ee he´keÀìerkeÀjCe hej DeekeÀe|<ele keÀjvee nesiee DeLeJee, ³eefo Deheveer je³e
kesÀ he³e&Jes#eCe nsleg Yeer GÊejoe³eer nw. keÀes mebMeesefOele keÀjves kesÀ efueS Ssmes he´keÀìerkeÀjCe Dehe³ee&hle nQ. nceejs
efve<keÀ<e& nceejer uesKeehejer#ee keÀer efjheesì& keÀer leejerKe lekeÀ he´ehle
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee nsleg uesKeehejer#ekeÀeW uesKeehejer#ee mee#³e hej DeeOeeefjle nw. leLeeefhe, YeefJe<³e ceW nesves Jeeueer
keÀe GÊejoeef³elJe IeìveeDeeW ³ee eqmLeefle³eeW kesÀ keÀejCe mecetn SkeÀ keÀe³e&Meerue mebmLee kesÀ
7. nceeje GÎsM³e, ³en leee|keÀkeÀ Deeéeemeve he´ehle keÀjvee nw efkeÀ ke̳ee mecesefkeÀle ªhe ces peejer jnvee yebo nes mekeÀlee nw.
efJeÊeer³e efJeJejefCe³eeb OeesKeeOeæ[er DeLeJee $egefì kesÀ keÀejCe SkeÀ meceie´ ªhe
efJeÊeer³e
» he´keÀìerkeÀjCe meefnle mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW keÀe meceie´
mes efJe<e³eer De³eLeeLe& mes cegÊeÀ nw, Deewj uesKeehejer#ekeÀeW keÀer efjheesì& he´mlegle
he´mlegleerkeÀjCe, mebj®evee SJeb meeceie´er keÀe cetu³eebkeÀve keÀjvee SJeb ke̳ee
efkeÀ³ee peevee efpemeceW nceejer je³e Meeefceue nw. ³en leke&Àmebiele Deeéeemeve
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeb Debleefve&efnle uesveosveeW SJeb IeìveeDeeW
G®®e mlej keÀe Deeéeemeve nw uesefkeÀve SkeÀ ieejbìer veneR efkeÀ mecesefkeÀle
keÀe Fme lejn mes he´efleefveefOelJe keÀjles nQ efpememes efve<he#e he´mlegefle he´ehle
efJeÊeer³e efJeJejefCe³eeW kesÀ Devegmeej meb®eeefuele uesKeehejer#ee mes ncesMee
nesleer nw.
efJeÐeceeve efJe<e³eer De³eLeeLe& keÀe meowJe helee ueiesiee. De³eLeeLe& OeesKeeOeæ[er
DeLeJee $egefì mes GlheVe nes mekeÀlee nw Deewj ³eefo Jew³eefÊeÀkeÀ DeLeJee meceie´ » mecesefkeÀle efJeÊeer³e efJeJejCeeW hej SkeÀ je³e J³eÊeÀ keÀjves kesÀ efueS,
ªhe ceW ³en efJe<e³eiele mecePee pee³esiee, lees Fve mecesefkeÀle efJeÊeer³e efpeme mecetn kesÀ nce mJeleb$e uesKee hejer#ekeÀ nQ Deewj efpevekeÀer efJeÊeer³e
efJeJejefCe³eeW kesÀ DeeOeej hej Ghe³eesiekeÀÊee& Üeje efueS ieS Deee|LekeÀ peevekeÀejer keÀe nceves uesKee-peesKee efkeÀ³ee nw, GmekesÀ Yeerlej mebmLeeDeeW
efveCe&³eeW keÀes leke&Àmebiele ªhe mes he´YeeefJele keÀj mekeÀlee nw. ³ee J³eeJemeeef³ekeÀ ieefleefJeefOe³eeW keÀer efJeÊeer³e peevekeÀejer kesÀ mebyebOe ceW
he³ee&hle Ghe³egÊeÀ mee#³e he´ehle keÀjW. nce mecesefkeÀle efJeÊeer³e efJeJejCeeW
uesKeehejer#ee kesÀ SkeÀ Yeeie kesÀ leewj hej, nce J³eeJemeeef³ekeÀ efveCe&³e
ceW Meeefceue Ssmeer mebmLeeDeeW kesÀ efJeÊeer³e efJeJejCeeW keÀer uesKeehejer#ee kesÀ
jCeefveleer
11. nce Deeies efjheesì& keÀjles nQ efkeÀ: Fme efjheesì& keÀes lew³eej keÀjves ceW nceejs Üeje Gef®ele ªhe mes efveheìe³ee
S) nceejer je³e ceW, mecetn Üeje efJeefOekeÀ ªhe mes Dehesef#ele Gef®ele uesKee ie³ee nw; leLee
hegmlekeWÀ jKeer ieF& nQ, nceejs Üeje Gve hegmlekeÀeW keÀer peeb®e mes he´leerle [er) nceejer je³e ceW, mecesefkeÀle legueve he$e, mecesefkeÀle ueeYe Deewj neefve
neslee nw Deewj nceejer uesKeehejer#ee kesÀ he´³eespeveeW kesÀ efueS he³ee&hle Keelee Deewj mecesefkeÀle vekeÀoer he´Jeen efJeJejCe ueeiet uesKeebkeÀve
Gef®ele efJeJejefCe³eeb Gve MeeKeeDeeW mes he´ehle ngF& nQ efpevekeÀe nceves ceevekeÀeW keÀe Devegheeueve keÀjles nQ; Fme no lekeÀ efkeÀ Jes Yeejleer³e
oewje veneR efkeÀ³ee nw. efjpeJe& yeQkeÀ Üeje efveOee&efjle uesKeebkeÀve veerefle³eeW kesÀ meeLe Demebiele
veneR nQ.
met®evee
ke=Àles Sme pe³eefkeÀMeve ke=Àles íepes[ Sb[ oesMeer
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ Deej vebyej 309005 F& SHeÀ Deej vebyej 101794 [yu³et
efjheesì&
ke=Àles S Sme kesÀ S Sb[ kebÀheveer ke=Àles efkeÀMeesj Sb[ efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ Deej vebyej 122063 [yuet SHeÀ Deej vebyej 000291 Sve
mLeeve : cegbyeF&
efoveebkeÀ : 09 ceF& 2022
Deeeqmle³eeb
Yeejleer³e efjpeJe& yeQkeÀ kesÀ heeme vekeÀoer SJeb Mes<e jeefMe 6 38,03,36,980 32,18,81,038
yeQkeÀeW ceW peceejeefMe³eeb SJeb ceebie Je Deuhe met®evee hej jeefMe 7 15,06,32,393 6,76,56,661
Þeer nee|okeÀ Mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þ eer he´oerhe heer. efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meerS efjlesMe Deie´Jeeue) (meerS efkeÀjCe kesÀ.oHeÌlejer) (meerS efJepe³e Mesueej) (meerS heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeFheer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeF&heer[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeF&hee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeF&hee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
jCeefveleer
II. J³e³e
he´oÊe y³eepe 15 13,36,08,786 14,54,29,610
heefj®eeueve J³e³e 16 7,27,70,729 6,79,86,091
he´eJeOeeve SJeb DeekeÀeqmcekeÀleeSb 4,16,83,773 5,47,72,117
³eesie 24,80,63,288 26,81,87,818
SmeesefmeSìme keÀer Dee³e/(neefve) ceW efnmmesoejer 17 1,84,501 (11,64,019)
DeuheebMe y³eepe mes hetJe& Je<e& keÀe mecesefkeÀle Meg× ueeYe/(neefve) 1,08,29,505 (99,48,875)
Ieìe³eW : DeuheebMe y³eepe 71,589 52,225
mecetn keÀ HeÀuemJeªhe Je<e& kesÀ efueS mecesefkeÀS ueeYe/(neefve) 1,07,57,916 (1,00,01,100)
peesæ[s: -mecetn kesÀ efueS m$eeslepev³e Je<e& kesÀ efueS mecesefkeÀle ueeYe/(neefve) (18,74,09,075) (17,42,86,952)
Ieìe³eW:-Mes³ej he´erefce³ece Keeles mes Mes<e DeblejCe 18,72,42,173 -
mecesefkeÀle ueeYe/( neefve) uee³ee ie³ee 1,67,054 (17,42,86,952)
IV. efJeefve³eespeve
met®evee
meebefJeefOekeÀ Deejef#ele ceW DeblejCe 26,12,100 -
Dev³e Deejef#ele ceW DeblejCe 78,36,181 31,21,023
S. efveJesMe Deejef#ele 12,55,261 30,72,389
yeer. jepemJe Deejef#ele - 12,521
meer. mìeHeÀ keÀu³eeCe keÀes<e - -
[er. yeercee keÀes<e - -
F&. he´mleeefJele ueeYeebMe – mecelee Mes³ej hetbpeer - -
SHeÀ. ueeYeebMe hej keÀj - -
peer. efJeMes<e Deejef#ele Oeje 36(1) (viii) kesÀ Debleie&le - 36,113
S®e. je.Dee.yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej efJeMes<e he´ejef#ele hej DeemLeefiele keÀj os³elee - -
keÀe efJeefve³eesie
i. efveJesMe Gleej-®eæ{eJe he´ejef#ele 65,80,920 -
mejkeÀejer / he´mleeefJele ueeYeebMe ceW DeblejCe - -
efjheesì&
legueve he$e ceW uee³ee ie³ee Mes<e 1,42,581 (18,74,09,075)
³eesie 1,07,57,916 (18,42,88,052)
he´efle Mes³ej Dee³e (` ceW ) – cetue ( meeceev³e cetu³e ` 10/- he´efle Mes³ej) 1.31 (1.73)
he´efle Mes³ej Dee³e (` ceW )- [eu³etìs[( meeceev³e cetu³e ` 10/-he´efle Mes³ej ) 1.31 (1.73)
Ghe³eg&ÊeÀ meboe|Yele mecesefkeÀle ueeYe Jeb neefve Keelee keÀe DeefYeVe Debie nw.
Þeer nee|okeÀ Mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þ eer he´oerhe heer. efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meerS efjlesMe Deie´Jeeue) (meerS efkeÀjCe kesÀ.oHeÌlejer) (meerS efJepe³e Mesueej) (meerS heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeFheer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeF&heer[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeF&hee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeF&hee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
Jeeef<e&keÀ efjheesì& 2021-22 235
mecesefkeÀle leguevehe$e keÀer Devegmetef®e³eeB
efoveebkeÀ 31 cee®e&, 2022 keÀes
Ieìe³eW : jepemJe SJeb Dev³e he´ejef#ele efveefOe ceW DeblejCe 2,32,128 5,09,495
jCeefveleer
efheíues leguevehe$e kesÀ Devegmeej Mes<e jeefMe - -
met®evee
(*) peesæ[W : DeejbefYekeÀ Mes<e mecee³eespeve
peesæ[W/Ieìe³eW: Je<e& kesÀ oewjeve mecee³eespeve - -
2,78,59,543 2,73,18,305
VII. ueeYe-neefve Keeles ceW Mes<e
efheíues leguevehe$e kesÀ Devegmeej Mes<e jeefMe (18,74,09,075) (17,42,86,952)
peesæ[s :- ueeYe efJeefve³eespeve kesÀ he½eele Je<e& keÀe ueeYe 3,09,483 (1,31,22,123)
1,42,581 (18,74,09,075)
kegÀue 18,86,84,669 15,82,12,803
efjheesì&
(*) ³en mecee³eespeve cegK³ele: #es.ie´e.yeQ. kesÀ efheíues uesKeehejeref#ele
heefjCeeceeW ceW heefjJele&ve nesves kesÀ keÀejCe efkeÀ³ee ie³ee. efheíues Je<e& keÀer
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeb, Ssmes #es.ie´e.yeQ. kesÀ DeuesKeehejeref#ele
efJeÊeer³e heefjCeeceeW kesÀ DeeOeej hej lew³eej efkeÀ³ee ie³ee Lee.
Devegmet®eer 3 : peceejeefMe³eeb
S. I. ceebie pecee jeefMe³eeb
i) yeQkeÀ mes 1,03,37,153 65,67,481
Devegmet®eer 6: Yeejleer³e efjpeJe& yeQkeÀ kesÀ meeLe vekeÀoer SJeb Mes<e jeefMe
I. nmles vekeÀoer 1,45,54,493 1,47,54,204
jCeefveleer
Ke) Dev³e pecee KeeleeW ceW 36,243 32,767
3,01,020 5,43,152
ii) ceebie Je Deuhe met®evee hej jeefMe
keÀ) yeQkeÀeW kesÀ heeme - 20,00,000
met®evee
yeer) Dev³e pecee KeeleeW ceW 14,86,29,092 -
Devegmet®eer 8 : efveJesMe
I. Yeejle ceW efveJesMe :
i) mejkeÀejer he´efleYetefle³eeW ceW 1,05,53,81,537 1,10,38,56,620
efjheesì&
iii) Mes³eme& 88,33,691 79,19,176
vi) Dev³e
S) ³etìerDeeF& Mes³eme& SJeb JeeefCep³ekeÀ hesheme&
c³et®egDeue HebÀ[ ³etefveìme Fl³eeefo. 31,07,519 1,73,08,826
Devegmet®eer 9 : Deefie´ce
S. i) Kejeros ieS SJeb YegveeS ieS efyeue 2,40,31,721 89,00,535
ii) vekeÀo GOeej, DeesJej [^eshe SJeb ceebie hej he´efleos³e 70,15,80,440 70,45,31,176
$eÝCe
iii) ceer³eeoer $eÝCe 96,48,03,268 1,69,04,15,429 86,04,59,084 1,57,38,90,795
*peneb Yeer DeeJeM³ekeÀ mecePee ie³ee, efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes
hegve: he´mlegle efkeÀ³ee ie³ee nw.
Devegmet®eer 10 ; De®eue Deeeqmle³eeb
I. heefjmej
( ueeiele Deewj hegvecet&ue³eebefkeÀle ueeiele hej )
efheíues Je<e& 31 cee®e& keÀes Mes<e jeefMe 4,91,01,269 4,02,25,174
jCeefveleer
Je<e& kesÀ oewjeve keÀìewleer / mecee³eespeve 11,05,370 20,01,934
met®evee
II. Gheef®ele y³eepe 2,17,85,964 2,25,54,880
III. keÀj keÀe Deefie´ce Yegieleeve/ m$eesle hej keÀeìe ie³ee keÀj 3,96,36,119 4,23,83,268
efjheesì&
Devegmet®eer 12 : DeekeÀefmecekeÀ os³eleeSb
I. S) yeQkeÀ kesÀ efJeª× oeJes efpevnW $eÝCe kesÀ ªhe ceW veneR 14,20,497 13,83,689
ceevee ie³ee nw.
yeer) Deheerue, mebMeesOeve Deeefo kesÀ Debleie&le efJeJeeefole 2,40,57,728 1,77,15,073
Dee³ekeÀj ceebie
II. DeebefMekeÀ he´oÊe efveJesMeeW kesÀ efueS os³elee 26,89,347 35,59,281
III. yekeÀe³ee Jee³eoe efJeosMeer cegêe mebefJeoeDeeW kesÀ keÀejCe os³elee 1,59,08,50,230 73,37,62,848
VI. Dev³e ceoW, efpevekesÀ efueS yeQkeÀ DeekeÀeqmcekeÀ ªhe mes osveoej 2,21,09,429 2,52,78,399
nw.
kegÀue 1,75,96,41,890 92,13,92,979
III. Yeejleer³e efjpeJe& yeQkeÀ SJeb Dev³e Deblej yeQkeÀ efveefOe³eeW kesÀ Mes<e jeefMe hej y³eepe 1,23,81,061 67,60,466
II. Yetefce, YeJeve SJeb Dev³e Deeeqmle³eeW keÀer efye¬eÀer mes ueeYe 91,365
Ieìe³eW : Yetefce, YeJeve SJeb Dev³e Deeeqmle³eeW keÀer efye¬eÀer mes neefve 361 2,09,964
VII. efJeefJeOe
S. Yeejle/efJeosMeeW ceW eqmLele Deveg<ebefie³eeW SJeb SMeesefmeSìdme mes ueeYeebMe kesÀ ªhe ceW Dee|pele Dee³e 65,103 -
II. Yeejleer³e efjpeJe& yeQkeÀ / Deblej yeQkeÀ GOeej jeefMe³eeW hej y³eepe 8,54,849 6,20,931
jCeefveleer
III. Dev³e 39,66,913 48,91,280
V. S) ueerpe mecheefÊe kesÀ DeueeJee yeQkeÀ mecheefÊe hej cetu³eÛeme 29,67,646 29,25,288
met®evee
yeer) ueerpe mecheefÊe hej cetu³eÛeme - -
efjheesì&
XII. ieg[efJeue keÀe heefjMeesOeve, ³eefo keÀesF& nes - 43,80,824
jCeefveleer
efkeÀ³ee peelee nw .
meer) ueeYeebMe Dee³e keÀes leye ceev³elee oer peeleer nw peye ueeYeebMe S. cetue yeQkeÀ
Depe&ve keÀjves keÀe DeefOekeÀej mLeeefhele nes peeS . 2.1 Yeejleer³e efjpeJe& yeQkeÀ kesÀ efoMee-efveoxMeeW / efveosMe-he$eeW kesÀ DeeOeej
hej, $eÝCeeW Deewj Deefie´ceeW keÀes ef¬eÀ³eeMeerue Deewj iewj-ef¬eÀ³eeMeerue
[er) “Dev³e Dee³e” kesÀ he´eeqhle nesves hej he´efleYetefle jmeeroeW kesÀ Ghejer
Jeie& ceW Jeieeake=Àle efkeÀ³ee peelee nw, pees efvecve nQ :
Yeeie keÀes ceevee peelee nw
S) meeJeefOe $eÝCe keÀes iewj-ef¬eÀ³eeMeerue Deeeqmle³eeW ceW Jeieeake=Àle
1.3. efJeÊeer³e Deeeqmle³eeW keÀer efye¬eÀer :
efkeÀ³ee peelee nw, Deiej cetueOeve keÀe y³eepe Deewj / DeLeJee
efyekesÀ ngS efJeÊeer³e Deeeqmle³eeW keÀer hen®eeve efvecve nw : ef]keÀmle 90 mes DeefOekeÀ keÀer mece³eeJeefOe lekeÀ Deefleos³e jns .
S) efJe¬eÀ³e efkeÀ³es ieS Sve.heer.S. keÀe uesKee Yeejleer³e efjpeJe& yeQkeÀ yeer) SkeÀ DeesJej[^eHeÌì ³ee kewÀMe ¬esÀef[ì keÀes SkeÀ iewj-efve<heeefole
met®evee
kesÀ Üeje GequueefKele efoMee-efveoxMeeW kesÀ Devegmeej efkeÀ³ee peelee heefjmecheefle kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw Deiej Keelee
nw. peye yeQkeÀ Deheves efJeÊeer³e Deeeqmle³eeW keÀes he´efleYeteflekeÀjCe Deefve³eefcele jnlee nw, DeLee&le ³eefo yekeÀe³ee jeefMe 90 efoveeW
kebÀheveer (Sme.meer.) / Deeeqmle³eeW kesÀ hegvee|vecee&Ce keÀer kebÀheveer keÀer DeJeefOe kesÀ efueS ueieeleej mJeerke=Àle meercee / DeenjCe
(S.Deej.meer.) keÀes yes®eleer nw, lees Fmes Deheves yener mes nìe MeefÊeÀ mes DeefOekeÀ nw, ³ee Deiej FmeceW ueieeleej 90 efoveeW
osleer nw. lekeÀ keÀesF& pecee veneR nw,
yeer) Deiej he´efleYeteflekeÀjCe kebÀheveer (Sme.meer.) / Deeeqmle³eeW kesÀ ³ee ³eefo efkeÀ³ee ie³ee pecee efheíues 90 efoveeW keÀer DeJeefOe kesÀ
hegvee|vecee&Ce keÀer kebÀheveer (S.Deej.meer.) keÀes efJe¬eÀ³e keÀjves keÀer oewjeve [sefyeì efkeÀS ieS y³eepe keÀes keÀJej efueS he³ee&hle veneR
keÀercele vesì yegkeÀ Jewu³et (Sve.heer.Jeer.) mes keÀce nes lees, Deblej- nQ.
jeefMe keÀer YejheeF& Gme Je<e& kesÀ ueeYe Deewj neefve Keeles mes keÀer
meer) Kejeros ieS/ítì Jeeues efyeueeW keÀes iewj-efve<heeefole heefjmebheefÊe
efjheesì&
peeleer nw .
kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee nw ³eefo efyeue 90 efoveeW mes
meer) Deiej efJe¬eÀ³e vekeÀo DeeOeej hej vesì yegkeÀ Jewu³et mes DeefOekeÀ DeefOekeÀ keÀer DeJeefOe kesÀ efueS Deefleos³e jnlee nw.
hej efkeÀ³ee ie³ee nes lees DeefOeMes<e keÀes efJe¬eÀ³e kesÀ Je<e& kesÀ ueeYe
Deewj neefve Keeles ceW keÀer peeleer nw. [er) ke=Àef<e Deefie´ceeW keÀes iewj-efve<heeefole kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee
peelee nw ³eefo, (i) íesìer DeJeefOe keÀer HeÀmeueeW kesÀ efueS, peneb
1.4. MegukeÀ DeeOeeefjle Dee³e cetueOeve ³ee y³eepe keÀer efkeÀMle oes HeÀmeue ceewmeceeW kesÀ efueS
meeKe he$eeW hej keÀceerMeve, yeQkeÀ ieejbìer Deewj DeemLeefiele Yegieleeve Deefleos³e nes; Deewj (ii) uebyeer DeJeefOe keÀer HeÀmeueeW kesÀ efueS,
ieejbìer DeJeefOe kesÀ oewjeve he´esÓJeve DeeOeej hej meceevegheeeflekeÀ ªhe peneb cetueOeve ³ee y³eepe SkeÀ HeÀmeue kesÀ ceewmece kesÀ efueS
mes ceev³e nesles nQ. Dev³e meYeer keÀceerMeve Deewj MegukeÀ Dee³e keÀes Deefleos³e jnlee nw.
GvekeÀer Jemetueer hej ceev³elee oer peeleer nw.
efJeÊeer³e
2.2 iewj-efve<heeefole Deeeqmle³eeW keÀes Yeejleer³e efjpeJe& yeQkeÀ Üeje efveOee&efjle
yeer. Deveg<ebefie³eeb efvecveefueefKele ceeveob[eW kesÀ DeeOeej hej DeJeceevekeÀ, mebefoiOe Deewj
S) meWì yeQkeÀ nesce HeÀe³evesvme efueefceìs[ kesÀ ceeceues ceW, Deveg<ebefie³eeW, neefvehetCe& Deeeqmle³eeW ceW Jeieeake=Àle efkeÀ³ee ie³ee nw:
$eÝCe Deewj Deefie´ce hej Dee³e keÀer hen®eeve jeä^er³e DeeJeeme yeQkeÀ S) meye-mìwC[[& / Ghe-ceevekeÀ: SkeÀ $eÝCe heefjmebheefÊe pees
(SveS®eyeer) Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW kesÀ DeeOeej hej 12 cenerves mes keÀce ³ee GmekesÀ yejeyej DeJeefOe kesÀ efueS
keÀer peeleer nw. iewj-efve<heeefole jner nw.
yeer) meWì yeQkeÀ nesce HeÀe³evesvme efueefceìs[ kesÀ ceeceues ceW, Deveg<ebefie³eeW, yeer) mebosnemheo: SkeÀ $eÝCe heefjmebheefÊe pees 12 cenerves keÀer DeJeefOe
MegukeÀ mes Dee³e Deewj Dev³e MegukeÀ pewmes. uee@efieve MegukeÀ, Deefleos³e kesÀ efueS meye-mìwC[[& ÞesCeer ceW yeveer ngF& nw.
hej ob[elcekeÀ y³eepe, hetJe& Yegieleeve MegukeÀ, Dee³ekeÀj efjHebÀ[ hej
meer) neefve: SkeÀ $eÝCe heefjmebheefÊe peneb vegkeÀmeeve keÀer hen®eeve keÀer
y³eepe Deewj Dev³e Dee³e Deeefo keÀes jmeero kesÀ DeeOeej hej ceev³elee
ieF& nw uesefkeÀve jeefMe hetjer lejn mes yeÆs Keeles ceW veneR [eueer
oer peeleer nw.
ieF& nw.
jCeefveleer
cetu³eefveOee&jCe :
4.3
efveJesMeeW keÀes “heefjhekeÌJelee lekeÀ Oeeefjle(S®eìerSce)”, “J³eeheej nsleg
Oeeefjle (S®eSHeÀìer)” leLee “efJe¬eÀ³e kesÀ efueS GheueyOe (SSHeÀSme)” meYeer he´efleYetefle³eeW ceW uesve-osve keÀe efveOee&jCe mesìueceWì efoJeme kesÀ
ÞesefCe³eeW ceW Jeieeake=Àle efkeÀ³ee ie³ee nw leLeeefhe, leguevehe$e ceW oMee&ves kesÀ efove efkeÀ³ee peelee nw leLee keÀercele keÀe efveOee&jCe Yeej³egÊeÀ Deewmeleve
efueS efveJesMeeW keÀes legueve he$e ceW Devegmet®eer 8 kesÀ efvecve Meer<e&keÀeW kesÀ keÀercele he´Ceeueer kesÀ Üeje efkeÀ³ee peelee nw .
Debleie&le Jeieeake=Àle efkeÀ³ee ie³ee nw : S) ye´eskeÀjspe, he´eslmeenve jeefMe, HebÀì Sb[ MegukeÀ Deeoer pees
S) mejkeÀejer he´efleYetefle³eeb he´efleYetefle kesÀ ¬eÀ³e ceW he´ehle ngS nQ, keÀes efveJesMe keÀer keÀercele mes
Ieìe³es peeles nQ.
yeer) Dev³e Devegceesefole he´efleYetefle³eeb
yeer) ye´eskeÀjspe, MegukeÀ, keÀefceMeve ³ee keÀj pees he´efleYetefle kesÀ
meer) Mes³eme& DeefOeie´nCe kesÀ mece³e Ke®e& ngS nQ, keÀes ueeYe Deewj neefve Keeles
met®evee
[er) [yeW®eme& SJeb yee@C[med mes jepemJe Ke®e& kesÀ ªhe ceW he´Yeeefjle efkeÀ³es pee³eWies .
F&) Deveg<ebieer SJeb meePee Ghe¬eÀce Deewj he´e³eesefpele mebmLeeveeW ceW meer) $eÝCe ³eb$eeW kesÀ DeJe©× DeJeefOe kesÀ ®egkeÀe³es ie³es / he´ehle y³eepe
efveJesMe keÀes J³e³e y³eepe / Dee³e kesÀ ªhe ceW ceevee peelee nw leLee Fmes
SHeÀ) Dev³e (JeeefCeeqp³ekeÀ heshej SJeb c³et®³egDeue HebÀ[ keÀer ³etefveìdme keÀercele / efJe¬eÀ³e kesÀ efJe®eej mes yeenj jKee peelee nw.
Deeefo) S) heefjhekeÌJelee lekeÀ Oeeefjle Jeie& kesÀ efveJesMeeW keÀe
Yeejle kesÀ yeenj kesÀ efveJesMeeW keÀes leerve JeieeX ceW Jeieeake=Àle efkeÀ³ee cetu³eebkeÀve: Fme ÞesCeer kesÀ Debleie&le Jeieeake=Àle efveJesMe keÀes
peelee nw : DeefOeie´nCe ueeiele hej cetu³eebefkeÀle efkeÀ³ee peelee nw. DebefkeÀle
cetu³e mes DeefOekeÀ DeefOeie´nCe ueeiele/yener cetu³e kesÀ DeeefOeke̳e
S) mejkeÀejer he´efleYetefle³eeb keÀes heefjhekeÌJelee keÀer Mes<e DeJeefOe kesÀ efueS heefjMeesefOele efkeÀ³ee
efjheesì&
yeer) Deveg<ebieer SJeb meePee Ghe¬eÀce peelee nw. Fme he´keÀej kesÀ he´erefce³ece kesÀ hegveYeg&ieleeve keÀer ieCevee
meer) Dev³e efveJesMe efveJesMe hej Dee³e kesÀ ªhe ceW keÀer peeleer nw.
4.2 JeieeakeÀjCe keÀe DeeOeej : Deveg<ebieer, meePee Ghe¬eÀce SJeb men³eesieer ceW efveJesMe (Yeejle leLee
efJeosMe ceW ) keÀe cetu³eebkeÀve SsefleneefmekeÀ keÀercele hej keÀer peeleer
efveJesMe keÀe JeieeakeÀjCe Kejero kesÀ mece³e efvecveefueefKele JeieeX ceW efkeÀ³ee
nw. he´l³eskeÀ Jew³eefÊeÀkeÀ efveJesMe kesÀ efueS, pees Deheves mJeªhe
peelee nw :
ceW DemLeeF& mes Deueie nw, kesÀ Oeeefjle ueeiele ceW Ûeme keÀes
S) heefjhekeÌJelee lekeÀ Oeeefjle : FveceW Jes efveJesMe Meeefceue nQ, efpevnW IeìekeÀj efkeÀ³ee peelee nw.
yeQkeÀ heefjhekeÌJelee lekeÀ jKevee ®eenlee nw, GvnW “heefjhekeÌJelee
#es$eer³e ie´eceerCe yeQkeÀeW ceW efveJesMeeW keÀe cetu³eebkeÀve jKe-jKeeJe
lekeÀ Oeeefjle (S®eìerSce)” kesÀ Debleie&le Jeieeake=Àle efkeÀ³ee peelee
efJeÊeer³e
ueeiele ( DeLee&le yegkeÀ Jewu³et ) hej efkeÀ³ee peelee nw.
nw.
yeer) efJe¬eÀer kesÀ efueS GheueyOe SJeb ì^seE[ie kesÀ efueS Oeeefjle
yeer) J³eeheej kesÀ efueS Oeeefjle : Kejero keÀer leejerKe mes 90 efoveeW kesÀ
kesÀ ©he ceW Jeieeake=Àle efveJeMeeW keÀe cetu³eebkeÀveë efJe¬eÀer kesÀ
Yeerlej hegve: efye¬eÀer kesÀ efueS jKes ieS efveJesMeeW keÀes “J³eeheej kesÀ
efueS GheueyOe SJeb ì^seE[ie kesÀ efueS Oeeefjle kesÀ ©he ceW Jeieeake=Àle
efueS Oeeefjle (S®eSHeÀìer)” kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee peelee
efveJeMeeW keÀes Deueie-Deueie yeepeej cetu³e hej hegve&cetu³eebefkeÀle
nw.
efkeÀ³ee ie³ee nw DeLeJee efJeefve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej
meer) efJe¬eÀ³e kesÀ efueS GheueyOe: Jes efveJesMe pees Ghe³eg&ÊeÀ oes ÞesefCe³eeW mecegef®ele cetu³e efveOee&efjle efkeÀ³ee ie³ee nw leLee he´l³eskeÀ Jeie& kesÀ
ceW Jeieeake=Àle veneR efkeÀS pee mekeÀles nQ. GvnW “efJe¬eÀ³e kesÀ efueS he´l³eskeÀ mecetn ceW (DeLee&le (i) mejkeÀejer he´efleYetefle (ii) Dev³e
GheueyOe (SSHeÀSme)” ceW Jeieeake=Àle efkeÀ³ee peelee nw. Devetceesefole he´efleYetefve³eeb (iii) Mes³ej (iv) yee@C[ SJeb ef[yeW®ej
[er) ÞesefCe³eeW kesÀ ceO³e he´efleYetefle³eeW keÀe DeblejCe : efveJesMe keÀer (v) Deveg<ebefie³eeb SJeb meb³egÊeÀ GÐece SJeb (vi) Dev³e) cetu³eÛeme
leerve ÞesefCe³eeW kesÀ yeer®e he´efleYetefle³eeW keÀe DeblejCe/mLeeveeblejCe, ³eefo keÀesF& nes, mes mecee³eesefpele efkeÀ³ee ie³ee nw SJeb efveJeue
DeblejCe keÀer leejerKe keÀes v³etvelece DeefOeie´nCe ueeiele / yener cetu³e Je=ef× keÀes DeveosKee efkeÀ³ee ie³ee nw.
jCeefveleer
pees y³eepe Oeeefjle Deeeqmle³eeW/os³eleeDeeW keÀe efJeÊeer³e neefve mes ojeW mes efYeVe nesles nQ efpeve hej GvnW Megª ceW ope& efkeÀ³ee ie³ee Lee,
ye®eeJe keÀjles nQ, GvnW Gheef®ele DeeOeej hej uesKeeiele efkeÀ³ee GvnW Gme DeJeefOe ceW Dee³e ³ee J³e³e kesÀ ªhe ceW ceev³elee oer peeleer nw
ie³ee nw. efpemeceW Jes GlheVe nesles nQ.
meer) mJewhe meceeeqhle hej ngS ueeYe DeLeJee neefve keÀes mJewhe kesÀ Mes<e 7. De®eue Deeeqmle³eeb Deewj cetu³eÛeme
mebefJeoeiele DeJeefOe DeLeJee Deeeqmle³eeW/os³eleeDeeW keÀer Mes<e S. cetue yeQkeÀ
DeJeefOe ceW mes, pees Yeer keÀce nes, kesÀ DeeOeej hej efveOee&efjle 7.1 De®eue mebheefÊe³eeW keÀes mebef®ele cetu³eÛeme/heefjMeesOeve IeìekeÀj ueeiele
efkeÀ³ee peelee nw. hej ues pee³ee peelee nw. ueeiele ceW Kejero keÀer ueeiele Deewj meYeer J³e³e
5.2 J³eeheej kesÀ efueS he´³egÊeÀ [sefjJesefìJpe keÀe efvecveevegmeej pewmes keÀe³e&mLeue keÀer lew³eejer, mLeehevee ueeiele, keÀj Deewj Ghe³eesie
uesKeebkeÀve efkeÀ³ee ie³ee nw : mes hetJe& mebheefÊe hej J³e³e efkeÀ³ee ie³ee he´esHesÀMeveue MegukeÀ Meeefceue nQ.
met®evee
S) ScemeerSkeÌme – SmeSkeÌme, SveSmeF& Deewj ³etveeFìs[ mìe@keÀ 7.2 Ghe³eesie ceW ueeF& ieF& heefjmecheefÊe ceW efkeÀS ieS yeeo kesÀ J³e³e keÀe
SkeÌme®eWpe kesÀ efJeefvece³e efoMeeefveoxMeevegmeej keÀjWmeer He̳et®ej hetbpeerkeÀjCe leYeer efkeÀ³ee peelee nw peye ³en Ssmeer heefjmebheefÊe³ees ³ee
Deewj y³eepe oj He̳et®ej keÀes owefvekeÀ DeeOeej hej yeepeej nsleg GvekeÀer keÀe³e& #ecelee mes YeefJe<³e kesÀ ueeYeeW keÀes yeæ{elee nw.
ef®eeqvnle efkeÀ³ee peelee nw. 7.3 De®eue Deeeqmle³eeW keÀe cetu³eÛeme “cetu³eÛeefmele cetu³e he´Ceeueer” kesÀ
yeer) ceeke&À ìt ceekexÀì ueeYe/neefve ceee|peve Keeles ceW owefvekeÀ DeeOeej Debleie&le efvecve ojeW hej efkeÀ³ee ie³ee nw. (keÀch³etìjeW kesÀ DeefleefjÊeÀ,
hej ke´sÀef[ì/ [sefyeì Üeje uesKeebefkeÀle efkeÀ³ee peelee nw Deewj efpevekeÀe cetu³eÛeme meerOeer keÀìewleer he×efle mes efkeÀ³ee ie³ee nw.)
Jener Debeflece efveheìeve kesÀ mece³e yeQkeÀ kesÀ ueeYe Deewj neefve Devegceeefvele peerJeve keÀeue kesÀ DeeOeej hej heefjJele&veer³e ojeW hej
Keeles ceW uesKeebefkeÀle nesvee ®eeefnS. heefjmej
efjheesì&
meer) yeepeej kesÀ efueS ì^seE[ie mJewhe efve³eefcele Deblejeue hej ef®eeqvnle S) HeÀveea®ej, efueHeÌì, mesHeÀ Jeeuì 10%
efkeÀS peeles nw. efkeÀmeer Yeer lejn keÀer SceìerSce neefve ope& keÀer
yeer) Jeenve, hueebì leLee ceMeervejer 20%
peeleer nw Deewj efkeÀmeer he´keÀej kesÀ ueeYe, ³eefo nes lees GvekeÀer
Ghes#ee keÀer peeleer nw. meer) JeeleevetketÀueve ³eb$e, ketÀuej, ìeF&hejeF&ìj Deeefo 15%
[er) mJewhe keÀer meceeeqhle hej he´eeqhle DeLeJee neefve keÀes GhejesÊeÀ ns[ [er) efmemìce mee@HeÌìJes³ej meefnle keÀch³etìj 33.33%
kesÀ Debleie&le lelkeÀeue Dee³e/J³e³e kesÀ ªhe ceW DeefYeuesefKele (DeefOeie´nCe Je<e& kesÀ oewjeve SeqhuekesÀMeve mee@HeÌìJes³ej keÀes Dee³e ceW
efkeÀ³ee peelee nw. he´Yeeefjle efkeÀ³ee peelee nw)
6. efJeosMeer cegêe mes pegæ[s uesveosve: 7.4 Deeeqmle³eeW kesÀ Devegceeefvele Ghe³eesieer peerJeve kesÀ DeeOeej hej Dev³e
6.1 efJeosMeer cegêe uesveosve keÀes efjheese\ìie cegêe ceW he´ejbefYekeÀ ceev³elee hej De®eue Deeeqmle³eeb meerOeer jsKee efJeefOe.
efJeÊeer³e
efJeosMeer cegêe jeefMe hej efjheese\ìie cegêe Deewj efJeosMeer cegêe kesÀ yeer®e 7.5 99 Je<eeX kesÀ efueS heÆs hej ueer ie³eer Yetefce keÀes hetCe& mJeeefcelJe Jeeueer
efJeefvece³e oj ueeiet keÀjkesÀ ope& efkeÀ³ee peelee nw. Yetefce ceevee peelee nw leLee 99 Je<e& ³ee Gmemes keÀce Je<eeX Jeeueer Yetefce
6.2 efJeosMeer cegêe J³eeheejer mebIe (SHeÀ.F&.[er.S.DeeF&.) keÌueeseEpeie (mhee@ì/ keÀes heÆs hej ueer ieF& Yetefce ceevee peelee nw. heÆsJeeueer Yetefce keÀe cetu³e
HeÀe@jJe[&) ojeW keÀe Ghe³eesie keÀjkesÀ efJeosMeer cegêe ceewefêkeÀ ceoeW keÀer heÆs keÀer DeJeefOe ceW heefjMeesefOele efkeÀ³ee peelee nw.
met®evee oer peeleer nw Deewj heefjCeeceer ueeYe ³ee neefve keÀes ueeYe Deewj 7.6 peneb hej Yetefce Je heefjmej kesÀ cetu³e keÀes Deueie-Deueie keÀjvee mebYeJe
neefve Keeles ceW ceev³elee oer peeleer nw. veneR nw, Jeneb cetu³eÛeme meceie´ ueeiele hej efkeÀ³ee ie³ee nw.
efJeosMeer cegêe iewj-ceewefêkeÀ JemlegSb, efpevnW SsefleneefmekeÀ ueeiele hej ues 7.7 ³es Deeeqmle³eeb efpevekeÀe hegvecet&u³eebkeÀve efkeÀ³ee ie³ee nw, GvekeÀe
pee³ee peelee nw, uesveosve keÀer leejerKe hej efJeefvece³e oj keÀe Ghe³eesie cetu³eÛeme/heefjMeesOeve hegvecet&u³eebefkeÀle jeefMe hej efkeÀ³ee ie³ee nw, efpemes
keÀjkesÀ efjheesì& keÀer peeleer nQ. ueeYe SJeb neefve Keeles keÀes he´Yeeefjle efkeÀ³ee ie³ee nw. hegvecet&u³eebefkeÀle
jCeefveleer
DeemLeefiele keÀj heefjmebheefÊe³eeW Deewj os³eleeDeeW ceW heefjJele&ve kesÀ he´YeeJe keÀes
³en ³eesieoeve ueeYe-neefve Keeles mes he´Yeeefjle efkeÀ³ee peelee nw.
ueeYe Deewj neefve Keeles ceW oMee&³ee peelee nw.
jeä^er³e heWMeve ³eespevee SkeÀ efveOee&efjle ³eesieoeve ³eespevee nw, pees
11. efJeefJeOe Deveeyebefìle Dee³e leLee he´ehle jeefMe
Gve keÀce&®eeefj³eeW hej ueeiet nw efpevekeÀer yeQkeÀ ceW efve³egefÊeÀ efoveebkeÀ
01.04.2010 keÀes DeLeJee GmekesÀ yeeo ngF& nw. yeQkeÀ hetJe& efveOee&efjle meWì yeQkeÀ HeÀe³eveeefvMe³eue mee|Jemespe efueefceìs[, Deveg<ebieer, kesÀ ceeceues
oj hej SkeÀ efveef½ele ³eesieoeve keÀe Yegieleeve keÀjlee nw. yeQkeÀ keÀe ceW Jes ueeYeeLeea efpevekesÀ efJeJejCe efveeq½ele veneR nQ, kesÀ efue³es he´ehle jeefMe
keÀle&J³e Fme efveOee&efjle ³eesieoeve lekeÀ meerefcele nw. ³en ³eesieoeve keÀes vee@efceveue Keeles “meb[^er heeìea DevekeÌuesc[ ef[efJe[W[ / Fbìjsmì” leLee
ueeYe-neefve Keeles mes he´Yeeefjle efkeÀ³ee peelee nw. “Deve-SueeskesÀìs[ / Deve-keÌuesc[ he´esmeer[dme Dee@ve js[scheMeve Dee@HeÀ
meske̳etefjìerpe” ceW pecee efkeÀ³ee peelee nw.
yeer. Deveg<ebefie³eeb
peye keÀYeer Yeer YegieleevekeÀlee& mes ueeYeeLeea kesÀ efJeJejCe he´ehle nes peeles nQ,
met®evee
S) mesvì yeQkeÀ nesce HeÀe³eveWme efue. kesÀ ceeceues ceW, $eÝCeeW SJeb
leye Gme jeefMe keÀes Fve KeeleeW mes efvekeÀeuekeÀj Gve ueeYeeLeea³eeW kesÀ Keeles ceW
Deefie´ceeW hej Dee³e keÀe efveOee&jCe jeä^er³e DeeJeeme yeQkeÀ
pecee keÀj efo³ee peelee nw.
(SveS®eyeer) Üeje efveOee&efjle efJeJeskeÀhetCe& ceeveob[eW kesÀ DeeOeej
hej efkeÀ³ee peelee nw. 12. he´eJeOeeve, DeekeÀeqmcekeÀleeSb SJeb Deveg<ebieer Deeeqmle³eeb :
yeer) mesvì yeQkeÀ nesce HeÀe³eveWme efue. kesÀ ceeceues ceW, HeÀerme SJeb Dev³e 12.1 Yeejle kesÀ ®eeì&[& SkeÀeGbìWìdme mebmLeeve Üeje peejer S.Sme29,
he´YeejeW pewmes uee@efieve HeÀerme, Deefleos³e hej ob[mJeªhe y³eepe, “he´eJeOeeveeW, DeekeÀeqmcekeÀ osveoeefj³eeW Deewj DeekeÀeqmcekeÀ mebheefÊe”
hetJe&Yegieleeve he´Yeej Dee³ekeÀj efjHebÀ[ hej y³eepe Fl³eeefo mes kesÀ Devegªhe, yeQkeÀ kesÀJeue Gve he´eJeOeeveeW keÀes ceev³elee oslee nw, pees
he´ehle Dee³e keÀes he´eeqhle DeeOeej hej efue³ee peelee nw. efheíueer Ieìvee kesÀ heefjCeecemJeªhe GmekesÀ Jele&ceeve oeef³elJe nesles
nQ, Deewj FmekesÀ heefjCeecemJeªhe mebYeeefJele oeef³elJeeW keÀes efveheìeves kesÀ
meer) mesvì yeQkeÀ HeÀeFveWefMe³eue mee|Jemespe efueefceìs[, Deveg<eb]ieer kesÀ efueS Deee|LekeÀ ueeYe Jeeues mebmeeOeveeW kesÀ yeefnJee&n keÀer DeeJeM³ekeÀlee
efjheesì&
ceeceues ceW, efveJee&nkeÀ ì^mìer J³eJemee³e kesÀ mebyebOe ceW Dee³e, nesieer, Deewj peye oeef³elJe keÀer jeefMe keÀe SkeÀ efJeéemeveer³e Devegceeve
ì^mì Keeles mes mebyebefOele uesveosve nesves hej he´ehle keÀer peeleer ueiee³ee pee mekeÀlee nw.
nw. ef[yeW®ej SJeb he´efleYetefle ì^mìerefMehe mesJeeDeeW mes he´ehle
jepemJe, DeeJeefOekeÀ DeeOeej hej efveOee&efjle efkeÀ³ee peelee nw 12.2 efvecve kesÀ efueS keÀesF& he´eJeOeeve veneR efkeÀ³ee ie³ee nw
GmekeÀer ieCevee Ghe®e³e DeeOeej hej keÀer peeleer nw leLee oe³ej S) keÀesF& Yeer mebYeeefJele oeef³elJe pees efheíueer IeìveeDeeW mes GlheVe
efkeÀS ieS Jeeo Deewj/DeLeJee yeerDeeF&SHeÀDeej keÀcheefve³eeW kesÀ nesles nw Deewj efpevekesÀ DeeqmlelJe keÀer hegeqä kesÀJeue SkeÀ ³ee
ef[JeW®ej ì^mìerefMehe J³eJemee³e mes nesves Jeeueer Dee³e keÀer ieCevee SkeÀ mes DeefOekeÀ Deefveef½ele YeefJe<³e keÀer IeìveeDeeW kesÀ Ieefìle
he´eh³e DeeOeej hej keÀer peeleer nw. nesves ³ee ve nesves mes nesieer, pees efkeÀ hetjer lejn mes yeQkeÀ kesÀ
10. Dee³e hej keÀjeW kesÀ efueS uesKeebkeÀve: efve³eb$eCe ceW ve nesieer, ³ee efJeÊeer³e
Dee³e keÀj J³e³e yeQkeÀ Üeje he´oÊe ®eeuet keÀj leLee DeemLeefiele keÀj J³e³e yeer) keÀesF& Yeer Jele&ceeve oeef³elJe pees efheíueer IeìveeDeeW mes GlheVe
keÀer mekeÀue jeefMe nw. mekeÀue Je<e& kesÀ efueS keÀj kesÀ he´eJeOeeve ceW ¬eÀceMeë nesles nw uesefkeÀve ceev³elee he´ehle veneR nw, ke̳eeWefkeÀ:
Dee³ekeÀj DeefOeefve³ece, 1961 Deewj uesKeebkeÀve ceevekeÀ 22- “Dee³e hej i. ³en mebYeJe veneR nw efkeÀ oeef³elJeeW keÀes efveheìeves kesÀ
keÀjeW kesÀ efueS uesKeebkeÀve” kesÀ Devegmeej ieCevee keÀer ieF& Jele&ceeve keÀj os³elee efueS Deee|LekeÀ ueeYe Jeeues mebmeeOeveeW kesÀ yeefnJee&n
Meeefceue nw. DeemLeefiele keÀj keÀes SkeÀ DeJeefOe ceW GlheVe nesves Jeeueer keÀj keÀer DeeJeM³ekeÀlee nesieer; ³ee
³eesi³e Dee³e Deewj uesKeebkeÀve Dee³e kesÀ yeer®e mece³e kesÀ Deblej kesÀ Devegmeej ii. oeef³elJe keÀer jeefMe keÀe SkeÀ efJeéemeveer³e Devegceeve
ceevee pee³esiee pees SkeÀ ³ee DeefOekeÀ yeeo keÀer DeJeefOe ceW he´l³eeJee|lele nesves veneR ueiee³ee pee mekeÀlee nw.
ceW me#ece nw.
Ssmes oeef³elJeeW keÀes DeekeÀeqmcekeÀ os³eleeDeeW kesÀ ªhe ceW ope& efkeÀ³ee
DeemLeefiele keÀj Deeeqmle³eeW keÀes Glevee ner ceevee peeSiee efpeleves kesÀ efueS peelee nw. FvekeÀe efve³eefcele Deblejeue hej cetu³eebkeÀve efkeÀ³ee peelee
Ssmeer DeemLeefiele keÀj Deeeqmle³eeW kesÀ mece#e he³ee&hle YeeJeer keÀj³eesi³e Dee³e nw Deewj oeef³elJe kesÀ kesÀJeue Gme efnmmes kesÀ efueS he´eJeOeeve efkeÀ³ee
GheueyOe nesves keÀer leke&Àmebiele megefveeq½elelee nes.
Þeer nee|okeÀ Mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þ eer he´oerhe heer. efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meerS efjlesMe Deie´Jeeue) (meerS efkeÀjCe kesÀ.oHeÌlejer) (meerS efJepe³e Mesueej) (meerS heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeFheer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeF&heer[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeF&hee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeF&hee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
jCeefveleer
mesvìyeQkeÀ nesce HeÀeFveWme efueefceìs[ (Deveg<ebieer) Yeejle 64.40% 64.40%
GÊejyebie #es$eer³e ie´eceerCe yeQkeÀ, ketÀ®e efyenej (SmeesefMeSì) Yeejle 35.00% 35.00%
1.2. Deveg<ebefie³eeb leLee SmeesefmeSì ceW efpeve efJeÊeer³e efJeJejefCe³eeW keÀe meceskeÀve kesÀ efueS Ghe³eesie efkeÀ³ee ie³ee nQ, GvekeÀes Gmeer leejerKe keÀes lew³eej efkeÀ³ee ie³ee nw, efpeme
leejerKe keÀes cetue yeQkeÀ keÀer lew³eej keÀer ieF& nQ DeLee&le efoveebkeÀ 31 cee®e&, 2022 keÀes efmeJee³e Fb[es peeeqcye³ee yeQkeÀ efue. kesÀ, efpemekeÀer efjheexeEìie DeJeefOe kewÀuesv[j
Je<e& nw. leoeefhe ueeYe keÀer jeefMe efoveebkeÀ 31.03.2022 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS uesKeehejeref#ele efJeÊeerle efJeJejefCe³eeW kesÀ DeeOeej hej ueer ieF& nw. Fb[es
met®evee
peeeqcye³ee yeQkeÀ keÀer efJeÊeer³e efJeJejCeer mLeeveer³e efve³eceeW kesÀ Debleie&le DeheveeS ieS uesKeebkeÀve veerefle³eeW kesÀ Devegmeej lew³eej keÀer ieF& nw. he´yebOeve kesÀ DeefYecele ceW
FmekeÀe keÀesF& efJeMes<e he´YeeJe veneR nw.
1.3. SmeesefMeSìdme ceW cetue yeQkeÀ kesÀ ueeYe/neefve keÀe mebef®ele Mes³ej, mecetn kesÀ mebef®ele Deejef#ele efveefOe³eeW ceW me¢Me mecee³eespeve kesÀ meeLe efveJesMe kesÀ jKeeJe ueeiele
meefnle peesæ[e/Ieìe³ee ie³ee nw.
1.4. Deveg<ebieer, Dev³e DeeJeeme efJeÊe mebmLeeveeW keÀer lejn mesvì yeQkeÀ nesce HeÀe³evewvme efueefceìs[ uecyeer DeJeefOe kesÀ efueS $eÝCe he´oeve keÀjleer nw, peyeefkeÀ he´ehle peceeSb/
os³eleeSb ueIeg DeJeefOe kesÀ efueS he´ehle keÀer peeleer nw, efpememes Demebielelee GlheVe nesleer nw. Fmes he³ee&hle $eÝCe megefJeOee keÀer GheueyOelee keÀjeF& pee jner nw.
1.5. Dev³e uesKeehejer#ekeÀeW Üeje Deveg<ebefie³eeW SJeb SmeesefMeSì keÀer efJeÊeer³e efJeJejefCe³eeW keÀer uesKeehejer#ee keÀer pee ®egkeÀer nw, SMeesefmeSì kesÀ efJeÊeer³e efJeJejCe he´yebOeve Üeje
DeuesKeehejeref#ele leLee he´ceeefCele nQ.
2. mecesefkeÀle efJeÊeer³e efJeJejCeer yeveeves ceW, peneB keÀneR Deveg<ebefie³eeW leLee SmeesefMeSì Üeje SkeÀ ner he´keÀej kesÀ uesve osve kesÀ efueS Deueie uesKeebkeÀve
efjheesì&
veerefle³eeb DeheveeF& ie³eer nQ, keÀe mecee³eespeve veneR efkeÀ³ee ie³ee nw Deewj he´yebOeve kesÀ efJe®eej ceW ³en cenlJehetCe& veneR nw.
3. cetue yeQkeÀ
3.1. hetbpeer :
3.1.1. 29.05.2021 keÀes ` 7.11 he´efle FeqkeÌJeìer Mes³ej kesÀ he´erefce³ece meefnle ` 17.11 he´efle FeqkeÌJeìer Mes³ej kesÀ efveie&ce cetu³e hej Yeejle kesÀ jeä^heefle (Yeejle
mejkeÀej) keÀes DeefOeceev³e DeeOeej hej ` 10/- he´l³eskeÀ kesÀ 280,53,76,972 veS FeqkeÌJeìer Mes³ejeW kesÀ efveie&ceve SJeb DeeJebìve Üeje yeQkeÀ keÀer he´oÊe
FeqkeÌJeìer Mes³ej hetbpeer efJeiele Je<e& kesÀ ` 5875.56 keÀjesæ[ mes yeæ{keÀj 31.03.2022 keÀes ` 8680.94 keÀjesæ[ nes ie³eer. Fme DeeJebìve kesÀ meeLe, yeQkeÀ
ceW Yeejle kesÀ jeä^heefle (Yeejle mejkeÀej) keÀer efnmmesoejer 89.78% mes yeæ{keÀj 93.08% nes ie³eer.
3.1.2. mebef®ele neefve keÀe J³eeflejskeÀ
6 efmelebyej, 2021 keÀes yeQkeÀ ves Mes³ejOeejkeÀeW kesÀ meeLe meeLe Yeejleer³e efjpeJe& yeQkeÀ mes Devegceesove he´ehle keÀjves kesÀ heM®eele Mes³ej he´erefce³ece Keeles ceW GheueyOe efJeÊeer³e
Mes<e jeefMe kesÀ efJe©× 31 cee®e&, 2021 keÀes ` 18724.2174 keÀjesæ[ keÀer mebef®ele neefve keÀes mecee³eesefpele efkeÀ³ee nw.
3.2. yeefn³eeW keÀe mecelegueve/efceueeve
3.2.1. cetue yeQkeÀ, Deblej keÀe³ee&ue³e mecee³eespeve (DeeF&yeerDeej) Keeles ceW Meeefceue KeeleeW kesÀ efJeefYeVe Meer<eeX ceW yekeÀe³ee Mes<e/he´efJeeqä³eeW keÀe efceueeve keÀjves keÀer
he´ef¬eÀ³ee ceW nw.
31 cee®e& 2022 keÀes DeeF&yeerDeej Keeles keÀe efveJeue Mes<e 19.01 keÀjesæ[ (efveJeue ¬esÀef[ì) nw, pees 31 cee®e& 2021 keÀes 10.30 keÀjesæ[ (efveJeue ¬esÀef[ì)
Lee.
3.2.2. efvecveefueefKele ceoeW keÀe mecelegueve efve³eefcele ªhe mes efkeÀ³ee pee jne nw:
» Deblej MeeKee keÀe³ee&ue³e Mes<e
» Deblej yeQkeÀ Keeles
» G®eble Keeles
» meceeMeesOeve SJeb Dev³e mecee³eespeve Keeles
jCeefveleer
Fbmìerìîetì Dee@HeÀ ®eeì&[& DekeÀeGvìWì Dee@HeÀ Fbef[³ee Üeje peejer uesKeebkeÀve ceevekeÀeW kesÀ Devegmeej efvecveefueefKele peevekeÀejer keÀe he´keÀìerkeÀjCe efkeÀ³ee peelee nw :
4.1. uesKeebkeÀve ceevekeÀ 9 - jepemJe hen®eeve
Dee³e keÀer kegÀí ceoeW keÀes cenlJehetCe& uesKee veerefle meb. 9 kesÀ Devegmeej Jemetueer kesÀ DeeOeej hej ceev³elee oer peeleer nw, neueebefkeÀ, GÊeÀ Dee³e keÀes cenlJehetCe& veneR
ceevee peelee nw.
4.2. uesKeebkeÀve ceevekeÀ 15 - keÀce&®eejer ueeYe
4.2.1.megheefjYeeef<ele ueeYe ³eespevee :
keÀce&®eejer heWMeve ³eespevee leLee Gheoeve (ie´s®³egìer) hueeve
efvecveefueefKele leeefuekeÀeSb cetue yeQkeÀ Üeje efve³egÊeÀ mJeleb$e yeerceebkeÀkeÀ Üeje yeerceebefkeÀkeÀ cetu³eebkeÀve kesÀ Devegmeej heefjYeeef<ele heWMeve ³eespeveeDeeW
met®evee
Deewj Gheoeve ³eespevee keÀer eqmLeefle efveOee&efjle keÀjleer nQ.
(jeefMe ` keÀjesæ[ ceW)
ceo heWMeve ³eespevee Gheoeve ³eespevee
®eeuet Je<e& iele Je<e& ®eeuet Je<e& iele Je<e&
efJe.Je.(21-22) efJe.Je.(20-21) efJe.Je.(21-22) efJe.Je.(20-21)
heefjYeeef<ele ueeYe oeef³elJe kesÀ Jele&ceeve cetu³e ceW
heefjJele&ve
1 Dehe´wue 2021 keÀes he´ejbefYekeÀ heefjYeeef<ele ueeYe 15557.68 15421.82 1726.67 1623.23
efjheesì&
oeef³elJe
Jele&ceeve mesJee ueeiele 82.63 78.11 100.62 82.83
31 cee®e&, 2022 keÀes heefjYeeef<ele ueeYe oeef³elJe keÀes yebo 16237.43 15557.68 1730.20 1726.67
efJeÊeer³e
keÀjvee
³eespevee Deeeqmle³eeW ceW heefjJele&ve
1 Dehe´wue, 2021 keÀes Gef®ele cetu³e hej ³eespevee Deeeqmle³eeW 15198.05 14939.64 1534.62 1720.32
keÀes Keesuevee
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue 1074.53 1037.01 98.93 106.55
31 cee®e&, 2022 keÀes Gef®ele cetu³e hej ³eespevee Deeeqmle³eeW 15807.88 15198.05 1630.51 1534.62
keÀes yebo keÀjvee
Je<e& kesÀ oewjeve mJeerke=Àle Meg× JeemleefJekeÀ neefve³eeB/(ueeYe) 203.88 322.69 54.82 211.24
Devegmet®eer 16 “keÀcee&®eejeW keÀes Yegieleeve Deewj ÒeeJeOeeCe” ceW 769.47 364.45 159.76 289.14
heefjYeeef<ele ueeYe ³eespeveeDeeW keÀer kegÀue ueeiele Meeefceue nw
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue leLee
JemleefJekeÀ he´efleHeÀue keÀe mece³eespeve
³eespevee Deeeqmle³eeW hej Dehesef#ele he´efleHeÀue 1,074.53 1,037.01 98.93 106.55
ueeYe SJeb neefve Keeles ceW mJeerke=Àle J³e³e 769.47 364.45 159.76 289.14
legueve he$e ceW mJeerke=Àle Meg× os³eleeSb/(Deeeqmle³eeB) 152.12 359.63 99.69 192.05
efoveebkeÀ 31 cee®e&, 2022 keÀes heWMeve HebÀ[ leLee Gheoeve HebÀ[ kesÀ ³eespevee Deeeqmle³eeW kesÀ Debleie&le efveJesMe efvecveevegmeej nw -
$eÝCe he´efleYetefle³eeB, ceveer ceekexÀì he´efleYetefle³eeB leLee yeQkeÀ pecee 22.91 39.23
jCeefveleer
ce=l³eg oj leeefuekeÀe DeeF&SSueSce (2012-14)
met®evee
ce=l³eg oj leeefuekeÀe DeeF&SSueSce (2012-14)
³eespevee ceW DeefOeMes<e / keÀceer
(jeefMe ` keÀjesæ[ ceW)
Gheoeve ³eespevee Je<e& meceeeqhle
legueve he$e ceW ceev³e jeefMe 31-03-2018 31-03-2019 31-03-2020 31-03-2021 31-03-2022
Je<e& keÀer meceeeqhle hej os³eleeSb 1,741.56 1,648.13 1,623.23 1,726.66 1,730.20
Je<e& meceeeqhle hej ³eespevee Deeeqmle³eeW keÀe Gef®ele 2,124.94 1,878.26 1,720.32 1,534.62 1,630.51
efjheesì&
cetu³e
Deblej (383.38) (230.13) (97.09) 192.04 99.69
legueve he$e ceW ceev³e jeefMe (383.38) (230.13) (97.09) 192.04 99.69
Deeieeceer Je<e& nsleg heWMeve Deewj Gheoeve HebÀ[ ceW Dehesef#ele ³eesieoeve ¬eÀceMeë ` 130.08 keÀjesæ[ SJeb ` 76.50 keÀjesæ[ nw.
4.2.2. heefjYeeef<ele DebMeoeve ³eespevee :
yeQkeÀ keÀer SkeÀ heefjYeeef<ele DebMeoeve heWMeve ³eespevee ([ermeerheerSme) nw pees 01.04.2010 keÀes ³ee GmekesÀ yeeo yeQkeÀ ceW Meeefceue nesves Jeeues meYeer ÞesCeer
kesÀ DeefOekeÀeefj³eeW Deewj keÀce&®eeefj³eeW hej ueeiet nesleer nw. Fme ³eespevee keÀe he´yebOeve heWMeve efveefOe efJeefve³eecekeÀ SJeb efJekeÀeme he´eefOekeÀjCe kesÀ lelJeeJeOeeve
ceW SveheerSme ì^mì Üeje efkeÀ³ee peelee nw. vesMeveue efmeke̳eesefjìerpe ef[hee@efpeìjer efueefceìs[ (SveSme[erSue keÀes SveheerSme kesÀ efueS meWì^ue efjkeÀe@[&
keÀereEheie SpeWmeer kesÀ ªhe ceW efve³egÊeÀ efkeÀ³ee ie³ee nw. Je<e& 2021-22 kesÀ oewjeve yeQkeÀ ves ` 146.97 keÀjesæ[ (efJeiele Je<e& ` 103.67 keÀjesæ[) keÀe
DebMeoeve efo³ee nw.
4.2.3.oerIe&keÀeefuekeÀ keÀce&®eejer ueeYe (DeefJeÊeer³e oeef³elJe) :
Je<e& kesÀ oewjeve yeQkeÀ ves yeerceebefkeÀkeÀ cetu³eebkeÀve kesÀ DeeOeej hej DeJekeÀeMe vekeÀoerkeÀjCe J³e³e nsleg ` 43.24 keÀjesæ[ (efJeiele Je<e& ` 131.20 keÀjesæ[)
kesÀ J³e³e ceev³e efkeÀS nQ.
meWì yeQkeÀ nesce HeÀe³evesvme efueefceìs[, Deveg<ebieer, hee$e keÀce&®eeefj³eeW keÀes keÀJej keÀjles ngS Gheoeve he´oeve keÀjleer nw. Deheveer os³elee keÀes efveefOe osves nsleg,
kebÀheveer ves Deheves keÀce&®eeefj³eeW keÀer mebef®ele Gheoeve os³elee keÀes keÀJej keÀjves nsleg Yeejleer³e peerJeve yeercee efveiece kesÀ meeLe SkeÀ hee@efuemeer ueer nw Deewj
Fme hee@efuemeer hej Yegieleeve efkeÀS ieS he´erefce³ece keÀes ueeYe SJeb neefve Keeles ceW he´Yeeefjle efkeÀ³ee nw leLee DeJekeÀeMe vekeÀoerkeÀjCe os³elee kesÀ he´eJeOeeve
keÀer ieCevee 31 cee®e&, 2021 keÀes keÀce&®eeefj³eeW kesÀ Dee|pele DeJekeÀeMe kesÀ Mes<e hej keÀer ie³eer nw. Jener 31.03.2021 keÀes meceehle Je<e& nsleg he´oeve
efkeÀ³ee ie³ee nw.
4.3. uesKeebkeÀve ceevekeÀ 17 - mecetn keÀer Keb[ efjheesì&
31 cee®e&, 2022 keÀes meceehle Je<e& nsleg mecesefkeÀle Keb[ efjheesì&
Yeejleer³e efjpeJe& yeQkeÀ kesÀ mebMeesefOele efoMeeefveoxMeeW kesÀ Devegmeej yeQkeÀ ves he´eLeefcekeÀ efjheese\ìie Keb[eW kesÀ ªhe ceW ì^spejer heefj®eeueve, keÀe@heexjsì / LeeskeÀ yeQeEkeÀie,
Kegoje yeQeEkeÀie SJeb Dev³e yeQeEkeÀie J³eJemee³e keÀes ceev³e efkeÀ³ee nw. ³eneB keÀesF& efÜleer³ekeÀ efjheese\ìie Keb[ veneR nQ.
yeQkeÀ kesÀ he´eLeefcekeÀ Keb[ efvecveefueefKele nQ:
» ì^spejer
» keÀe@heexjsì / LeeskeÀ yeQeEkeÀie
» Kegoje yeQeEkeÀie
» Dev³e yeQeEkeÀie J³eJemee³e
Jele&ceeve DeebleefjkeÀ, mebieþveelcekeÀ Deewj he´yebOeve efjheese\ìie mebj®evee Deewj GvekesÀ peesefKece Deewj efjìve& keÀer he´ke=Àefle kesÀ DeeOeej hej yeQkeÀ keÀer Jele&ceeve uesKee
Deewj met®evee he´Ceeueer, he´eLeefcekeÀ Keb[eW hej [sìe keÀer ieCevee efvecveevegmeej keÀer ieF& nw:
» ì^spejer - ì^spejer mesieceWì ceW mebhetCe& efveJesMe heesì&HeÀesefue³ees Deewj efJeosMeer cegêe DevegyebOeeW Deewj J³eglheVe DevegyebOeeW ceW J³eeheej Meeefceue nw. ì^spejer Keb[ kesÀ
jepemJe ceW cegK³e ªhe mes efveJesMe heesì&HeÀesefue³ees hej J³eeheej meb®eeueve Deewj y³eepe Dee³e mes MegukeÀ Deewj ueeYe ³ee neefve Meeefceue nw.
» keÀe@heexjsì / LeeskeÀ yeQeEkeÀie - keÀe@heexjsì / LeeskeÀ yeQeEkeÀie Keb[ ceW keÀe@heexjsì KeeleeW, ì^mì / meePesoejer HeÀce& kebÀheefve³eeW Deewj JewOeeefvekeÀ efvekeÀe³eeW keÀer GOeej
ieefleefJeefOe³eeB Meeefceue nQ pees Kegoje yeQeEkeÀie Deewj leveeJeie´mle mebheefÊe he´yebOeve MeeKee kesÀ Debleie&le Meeefceue veneR nQ. FveceW keÀe@heexjsì Deewj mebmLeeiele
ie´enkeÀeW keÀes $eÝCe Deewj uesveosve mesJeeSb he´oeve keÀjvee Meeefceue nw.
» Kegoje yeQeEkeÀie - Kegoje yeQeEkeÀie Keb[ ceW Kegoje MeeKeeSb Meeefceue nQ, efpemeceW cegK³e ªhe mes J³eefÊeÀiele yeQeEkeÀie ieefleefJeefOe³eeb Meeefceue nQ, efpemeceW Fve
MeeKeeDeeW kesÀ meeLe yeQeEkeÀie mebyebOe jKeves Jeeues keÀe@heexjsì ie´enkeÀeW keÀes GOeej osves keÀer ieefleefJeefOe³eeb Meeefceue nQ. efjìsue yeQeEkeÀie #es$e ceW `5 keÀjesæ[
(efveefOe DeeOeeefjle leLee iewj-efveefOe DeeOeeefjle SkeÌmeheespej meefnle) keÀer meercee lekeÀ kesÀ meYeer SkeÌmeheespej Meeefceue nQ, ³en DeefYecegKeleeSb, Glheeo
mlejer³e ceeveob[ leLee Jew³eefÊeÀkeÀ SkeÌmeheespej kesÀ DeOeerve nw. Fme Keb[ ceW SpeWmeer J³eJemee³e Deewj SìerSce Yeer Meeefceue nQ.
jepemJe 11,628.52 12,549.65 5,296.04 5,201.19 8,944.92 8,187.93 1.35 1.53 25,870.83 25,940.30
heefjCeece 2,536.03 4,004.01 291.52 (3,424.09) (821.85) (1,677.01) 0.28 0.03 2,005.98 (1,097.06)
jCeefveleer
heefj®eeueve ueeYe 1,744.81 (1,309.01)
Dev³e met®evee :
Keb[Jeej Deeeqmle³eeb 1,97,643.37 1,92,414.73 65,074.66 60,023.68 1,09,543.82 1,01,263.04 8.88 6.31 3,72,270.73 3,53,707.76
Keb[Jeej oeef³elJe 1,91,840.34 1,97,847.44 62,615.86 54,166.03 1,05,422.85 91,457.62 6.81 6.55 3,59,885.86 3,43,477.64
met®evee
Deveeyebefìle oeef³elJe - -
* peneb he´l³e#e Deeyebìve mebYeJe veneR nw, Jeneb Keb[Jeej Deeeqmle³eeW kesÀ DeeOeej hej Keb[Jeej jepemJe SJeb Ke®eeX keÀe efJeefve³eespeve efkeÀ³ee ie³ee nw.
®eeuet Je<e& kesÀ JeieeakeÀjCe kesÀ Devegªhe peneb keÀneR DeeJeM³ekeÀ mecePee ie³ee, Jeneb DeebkeÀæ[eW keÀe hegveme&cetnerkeÀjCe efkeÀ³ee ie³ee nw.
mecetn keÀe kesÀJeue SkeÀ ner YeewieesefuekeÀ Keb[ nw DeLee&le [esceseqmìkeÀ Keb[ nw.
4.4. uesKeebkeÀve ceevekeÀ 18 kesÀ Devegmeej mebyeefvOele heeìea he´keÀìerkeÀjCe - mebyeefvOele heeìea (cetue yeQkeÀ keÀer)
4.4.1. mebyeefvOele heee|ì³eeW keÀer met®eer
4.4.1.1. efoveebkeÀ 31.03.2022 keÀes he´cegKe he´yebOekeÀer³e heoeefOekeÀejer
efjheesì&
¬eÀ. veece heoveece
meb.
cetue yeQkeÀ
i. Þeer ceìce JeWkeÀì jeJe he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
ii. Þeer DeeueeskeÀ ÞeerJeemleJe keÀe³e&heeuekeÀ efveosMekeÀ
iii. Þeer efJeJeskeÀ Jeener keÀe³e&heeuekeÀ efveosMekeÀ
iv. Þeer jepeerJe hegjer keÀe³e&heeuekeÀ efveosMekeÀ
Deveg<ebefie³eeb efJeÊeer³e
mesvì yeQkeÀ HeÀe³eveWefMe³eue mee|Jemes]pe efue.
i. Þeer Sme.JeWkeÀìjceCe he´yebOe efveosMekeÀ
ii. Þeer S®e Jeer keÀeceoej hetJe&-kebÀheveer meef®eJe
iii. megÞeer Deejleer Mecee& kebÀheveer meef®eJe
mesvì yeQkeÀ nesce HeÀe³evesvme efueefceìs[
i. Þeer kegÀMeue heeue he´yebOe efveosMekeÀ
ii. Þeer MeerMejece ìgv[Jeeue hetJe&-he´yebOe efveosMekeÀ
iii. Þeer DeeMeer<e ÞeerJeemleJe kebÀheveer meef®eJe
iv. Þeer ceveer<e hee³eue hetJe&-kebÀheveer meef®eJe
v. Þeer Sme.meer. cesnlee cegK³e efJeÊe DeefOekeÀejer
अनुषंगीयां
सीएफएसएल
श्री एस. वेंकटरमण प्रबं ध निदेशक 0.23 0.001
श्री एच.वी.. कामदार पूर्व-कम्पनी सचिव 0.001 0.19
सु श्री आरती शर्मा कम्पनी सचिव 0.07 -
सीबीएचएफएल
श्री कु शल पाल प्रबं ध निदेशक 0.19 -
श्री शीशराम तुंडवाल पूर्व-प्रबं ध निदेशक 0.06 0.20
श्री आशीष श्रीवास्तव कम्पनी सचिव 0.05 -
श्री मनीष पायल पूर्व-कम्पनी सचिव 0.06 0.14
श्री एस. सी. मेहता मुख्य वित्त अधिकारी 0.07 -
श्री आशीष मित्तल पूर्व-मुख्य वित्त अधिकारी - 0.10
veesì: DeeF&meerSDeeF& Üeje peejer SSme-18, kesÀ hewje 9’mebyeefvOele heeìea he´keÀìerkeÀjCe” kesÀ Devegmeej Deveg<ebefie³eeW SJeb mene³ekeÀ GÐeceeW kesÀ uesveosveeW
keÀe he´keÀìerkeÀjCe veneR efkeÀ³ee ie³ee nw, ke̳eeWefkeÀ ³en jep³e efve³ebef$ele GÐece Üeje efkeÀmeer Dev³e mecye× jep³e efve³ebef$ele GÐece mes mecyebefOele uesveosve kesÀ
he´keÀìerkeÀjCe ve keÀjves keÀer ítì oslee nw.
Deeies, SSme-18 kesÀ hewje 5 kesÀ meboYe& ceW kesÀSceheer Deewj kesÀSceheer kesÀ efjMlesoejeW meefnle yeQkeÀj-ie´enkeÀ mebyebOeeW keÀer ªhe ceW uesveosve keÀe Kegueemee
veneR efkeÀ³ee ie³ee nw.
uesKeebkeÀve ceevekeÀ 20 - mecetn keÀer he´efle Mes³ej Dee³e
4.5.
uesKeebkeÀve ceevekeÀ SSme 20 kesÀ Devegmeej he´efle Mes³ej Dee³e keÀer ieCevee efvecveevegmeej keÀer ieF& nw :
(jeefMe ` keÀjesæ[ ceW)
efJeJejCe 31.03.2022 31.03.2021
FeqkeÌJeìer Mes³ejOeejkeÀ kesÀ efueS keÀj kesÀ yeeo GheueyOe Meg× ueeYe/ (neefve) (` keÀjesæ[ ceW) 1076 (1000)
Yeeefjle Deewmele FeqkeÌJeìer Mes³ejeW keÀer mebK³ee 823,51,53,502 579,37,98,207
he´efle Mes³ej cetue Dee³e (`) 1.31 (1.73)
he´efle Mes³ej keÀer [eFu³etìs[ Dee³e (`) 1.31 (1.73)
he´efle Mes³ej meebkesÀeflekeÀ Dee³e (`) 10 10.00
jCeefveleer
अग्रिमों पर प्रावधान 9.58 7.57 0.00 0.00
अचल सं पत्तियों पर मूल्यह्राश 0.01 0.02 0.00 0.00
अन्य 0.10 0.05 1.12 0.91
आइटी अधिनियम 1961 की धारा 36(i)(viii) के 0.00 0.00 14.64 13.16
तहत विशेष आरक्षित
सेंट बैंक होम फायनेंशियल सर्विसेज लिमिटेड (एनईटी) 0.01 0.02 0.00 0.00
कु ल 7740.51 8427.92 884.50 888.64
शुद्ध आस्थिगत कर परिसं पत्ति/देयता 6856.00 7539.27 - -
met®evee
ueeYe-neefve Keeles ceW Je<e& 2021-22 kesÀ efueS DeemLeefiele keÀj Deeeqmle³eeW ceW Meg× keÀceer ` 683.27 keÀjesæ[ (efheíues Je<e& yeæ{esÊejer ` 67.61 keÀjesæ[)
ceeveer ieF&.
uesKeebkeÀve ceevekeÀ - 28 - Deeeqmle³eeW keÀer neefve
4.7.
yeQkeÀ keÀer Deeeqmle³eeW keÀe SkeÀ yeæ[e Yeeie Jes efJeÊeer³e Deeeqmle³eeb nw, efpevnW Deeeqmle³eeW hej neefve keÀe uesKeekebÀve ceevekeÀ-28 ueeiet veneR nw. he´yebOeleb$e kesÀ cele
ceW, efoveebkeÀ 31 cee®e&, 2022 keÀes efJeÊeer³e Deeeqmle³eeW kesÀ DeueeJee Dev³e Deeeqmle³eeW hej keÀesF& yeæ[er neefve heefjueef#ele veneR ngF& nw. efpemes ceevekeÀ DeeOeej
hej ceev³e keÀjves keÀer DeeJeM³ekeÀlee nw.
लेखांकन मानक - 29 आकस्मिक देनदरियों और आकस्मिक परिसं पत्तियों के प्रावधानों पर (मूल बैंक का)
4.8.
4.8.1. प्रावधान और आकस्मिकताये ँ
efjheesì&
प्रावधान और आकस्मिकताओं का ब्यौरा पी एं ड एल खाते में व्यय शीर्ष के अंतर्गत 31.03.2022 31.03.2021 *
दिखाया गया है
निवेश (एनपीआइर्) पर प्रावधान/मूल्यह्रास 646.74 356.57
एनपीए के लिए प्रावधान 2461.55 5175.89
मानक परिसं पत्ति के लिए प्रावधान (222.47) 263.15
कर के लिए किया गया प्रावधान 672.13 (436.03)
पुनर्गठित अग्रिमों के लिए प्रावधान 595.94 76.49
अन्य प्रावधान (1.57) 30.00
efJeÊeer³e
कु ल 4152.32 5466.07
®eeuet Je<e& kesÀ JeieeakeÀjCe kesÀ Devegªhe peneb keÀneR DeeJeM³ekeÀ mecePee ie³ee, Jeneb DeebkeÀæ[eW keÀe hegveme&cetnerkeÀjCe efkeÀ³ee ie³ee nw.
4.8.2.फलोटिंग प्रावधान
5. Dev³e he´keÀìerkeÀjCe:-
5.1 keÀe@heexjsì meeceeefpekeÀ oeef³elJe :
Je<e& kesÀ oewjeve mesvì yeQkeÀ nesce HeÀe³evesvme, Deveg<ebieer ves kebÀheveer DeefOeefve³ece 2013 SJeb FmekesÀ efve³eceeW kesÀ Debleie&le Oeeje 135 kesÀ lenle keÀe@heexjsì meeceeefpekeÀ
oeef³elJe kesÀ efueS ` 0.51 keÀjesæ[ (efheíues Je<e& ` 0.42 keÀjesæ[) Ke®e& efkeÀS.
5.2 he´esJeerpeeEveie keÀJejspe Devegheele (heermeerDeej)
heermeerDeej (ìwkeÌveerkeÀue jeFì Dee@HeÀ meefnle) 86.69% (iele Je<e& 82.54%) jne - cetue yeQkeÀ.
heermeerDeej (ìwkeÌveerkeÀue jeFì Dee@HeÀ meefnle) 76.29% (iele Je<e& 69.13%) jne - cetue yeQkeÀ.
5.3 mesvì yeQkeÀ HeÀe³eveseqvMe³eue mee|Jeefmeme efue., Deveg<ebieer, Mes³eme&, he´efleYetefle³eeW SJeb De®eue mebheefÊe³eeW keÀer he´ke=Àefle ceW Deheves ie´enkeÀ kesÀ he#e ceW v³eemeer ueeYeeLeea
mebyebOe ceW he´l³e³eer kesÀ ªhe ceW efveJesMe keÀjlee nw, peesefkeÀ efveosMekeÀ ceb[ue keÀer ¢eqä ceW he³ee&hle megjef#ele nw SJeb Gef®ele DeefYeuesefKele nw SJeb Fme he´l³e³eer mebyebOe
mes mebyebefOele meYeer GÊejoeef³elJeeW keÀe hetCe& ªhe mes efveJen&ve efkeÀ³ee peelee nw.
5.4 SkeÀ mece³eeJeefOe ceW efJeefYeVe kebÀheefve³eeW / Ghe¬eÀceeW mes he´ehle ueeYeebMe, y³eepe SJeb Dev³e keÀe@heexjsì ueeYe ` 1.79 keÀjesæ[ keÀer jeefMe mesvì yeQkeÀ HeÀe³eveseqvMe³eue
mee|Jeefmeme efue., Deveg<ebieer ves v³eeme / ueeYeee|Le³eeW keÀes Debleefjle/ Deeyebefìle veneR keÀer nQ, efpevekesÀ efveJesMe heesì&HeÀesefue³ees v³eemeOeeefjlee mesJeeDeeW kesÀ Debleie&le
GvekesÀ he#e ceW nw. GÊeÀ jeefMe efoveebkeÀ 31.03.2021 keÀes ` 1.66 keÀjesæ[ Leer SJeb efoveebkeÀ 31 cee®e& 2022 keÀes ³en yeæ{keÀj ` 1.79 keÀjesæ[ nes
ie³eer. Fmeer he´keÀej, ` 0.18 keÀjesæ[ keÀer efye¬eÀer / Mes³eme& kesÀ cees®eve keÀer Deeiece jeefMe / ueeYeebMe keÀer jeefMe mecyebefOele v³eeme / ueeYeeLeea keÀes Debleefjle /
Deeyebefìle veneR keÀer ie³eer nw. ³en Je<e& 2005-06 mes yekeÀe³ee Mes<e nw. Fmeves ³en jeefMe Deheves yeQkeÀ kesÀ ®eeuet Keelee ceW jKeer nw.
5.5 YeeefjyeQ kesÀ efoMeeefveoxMe [eryeerDees[er meb. yeerheer.yeermeer.57/62-88 efoveebkeÀ 31 efomecyej, 1988 kesÀ Devegmeej, Deblej-yeQkeÀ Yeeieeroejer he´ceeCehe$e
(DeeF&yeerheermeer) efvejbkeÀ nw.
5.6 SceSmeSceF& #es$e Deewj met#ce, ueIeg Deewj ceO³ece GÐece efJekeÀeme DeefOeefve³ece, 2006 kesÀ mebyebOe ceW Yeejle mejkeÀej kesÀ efoMeeefveoxMeeW kesÀ Devegheeueve ceW efpeme
efJe¬esÀlee keÀer mesJeeDeeW keÀe Ghe³eesie efkeÀ³ee ie³ee nw GmekeÀe ®e³eve efkeÀ³ee peelee nw. ³en uesKee hejer#ekeÀeW Üeje efJeéeeme efkeÀ³ee peelee nw.
5.7 met®evee megj#ee, FueskeÌì^e@efvekeÀ yeQeEkeÀie, lekeÀveerkeÀer peesefKece he´yebOeve SJeb meeFyej OeesKeeOeefæ[³eeW hej efoMeeefveoxMeeW keÀe keÀe³ee&vJe³eve.
cetue yeQkeÀ ves Yeejleer³e efjpeJe& yeQkeÀ kesÀ heefjhe$e DeejyeerDeeF&/2010-11/494 [eryeerSme.meerDees. DeeF&ìermeer.yeermeer.meb. 6/31.02.008/2010-11
efoveebkeÀ 29 Dehe´wue 2011 kesÀ Devegmeej veerefle³eeb lew³eej keÀer nQ. Fve veerefle³eeW keÀer he´yebOeleb$e Üeje DeeJeefOekeÀ meceer#ee keÀer peeleer nw. Fve veerefle³eeW keÀer efheíueer
meceer#ee efoveebkeÀ 30.03.2022 keÀes Dee³eesefpele yewþkeÀ ceW efveosMekeÀ ceb[ue Üeje keÀer ieF& Leer.
5.8 cetue SJeb Deveg<ebefie³eeW keÀer SkeÀue efJeÊeer³e efJeJejCeer³eeW ceW he´keÀì kesÀ ieF& DeefleefjÊeÀ meebefJeefOekeÀ peevekeÀejer mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW kesÀ mel³e SJeb Gef®ele
DeefYecele keÀes he´YeeefJele veneR keÀjleer nw SJeb DeeF&meerSDeeF& Üeje peejer meeceev³e mheäerkeÀjCe kesÀ heefjhes#³e ceW Gve ceoeW pees cenlJehetCe& veneR nQ, mes mebyebOeer
mecesefkeÀle efJeÊeer³e efJeJejefCe³eeW ceW he´keÀìerkeÀjCe veneR efkeÀ³ee ie³ee nw.
5.9 SvemeerSueìer he´eJeOeeveeW mes mebyebefOele he´keÀìerkeÀjCe :
YeeefjyeQ kesÀ heefjhe$e meb. [eryeerDeej meb. yeerheer.15199/21.04.048/2016-17 leLee [eryeerDeej meb. yeerheer.1906/21.04.048/2017-18 ¬eÀceMe:
efoveebkeÀ 23.06.2017 Deewj efoveebkeÀ 28.08.2017 kesÀ Devegmeej efoJeeuee leLee efoJeeefue³eeheve keÀes[ (DeeF&yeermeer) kesÀ he´eJeOeeveeW kesÀ Debleie&le keÀJej
efkeÀS ieS KeeleeW kesÀ mebyebOe ceW cetue yeQkeÀ ves efoveebkeÀ 31.03.2022 keÀes ` 6406.10 keÀjesæ[ keÀe kegÀue he´eJeOeeve (` 127.90 keÀjesæ[ keÀer SHeÀDeeF&ìerSue
meefnle)@(efveJesMe meefnle 100 % keÀe kegÀue yekeÀe³ee) jKee nw.
5.11 “ceeue Deewj mesJee keÀj (peerSmeìer) kesÀ Debleie&le ³ee lees ítì oer ieF& ³ee hebpeerke=Àle efkeÀS ieS SceSmeSceF& GOeejkeÀlee&DeeW kesÀ efueS jenle hej DeejyeerDeeF& kesÀ
heefjhe$e meb. [eryeerDeej.meb.yeerheer.yeermeer.18/21.04.048/2018-19 efoveebkeÀ 01, peveJejer, 2019 [erDeesDeej.meb.yeerheer.yeermeer.34/21.04.048/2019-20
efoveebkeÀ 11 HeÀjJejer, 2020 SJeb DeejyeerDeeF&/2020-21/ [erDeesDeej meb. yeerheer.yeermeer/4/21.04.048/2020-21 efoveebkeÀ 06 Deiemle, 2020 kesÀ Devegmeej
31.03.2022 keÀes SceSmeSceF& hegvej&e®f ele KeeleeW keÀe efJeJejCe efvecveevegmeej nw:
hegvej&ef®ele KeeleeW keÀer mebK³ee jeefMe keÀjesæ[ ceW
29838 2,808.24
5.11 Yeejleer³e efj]peJe& yeQkeÀ ves Deheves 13 petve 2017 kesÀ he$e kesÀ ceeO³ece mes G®®e Meg× SveheerS Deewj heefjmebheefÊe³eeW hej vekeÀejelcekeÀ efjìve& keÀes osKeles ngS cetue
yeQkeÀ keÀes MeerIe´ (heermeerS) megOeejelcekeÀ keÀej&JeeF& kesÀ lenle jKee nw. yeQkeÀ heermeerS {eb®es kesÀ ceeveob[eW keÀe meeJeOeeveerhetJe&keÀ heeueve keÀj jne nw. yeQkeÀ ves SkeÀ
keÀe³e& ³eespevee lew³eej keÀer nw Deewj SveheerS keÀes keÀce keÀjves Deewj ueeYehe´olee ceW megOeej kesÀ efueS efJeefYeVe keÀoce GþeS nQ.
jCeefveleer
yeepeejeW ceW DeeqmLejlee yeæ{ ieF& nw. keÀesefJe[ -19 ceneceejer mecetn kesÀ efJeÊeer³e heefjCeeceeW keÀes efkeÀme no lekeÀ he´YeeefJele keÀjsieer, ³en YeefJe<³e kesÀ efJekeÀeme hej
efveYe&j keÀjsiee, pees Del³eefOekeÀ Deefveeq½ele nQ. Fme Deefveeq½elelee keÀes osKeles ngS, keÀesefJe[ -19 ceneceejer kesÀ keÀejCe, mecetn YeefJe<³e keÀer Deee|LekeÀ eqmLeefle
ceW efkeÀmeer Yeer YeeweflekeÀ heefjJele&ve keÀer ueieeleej efveiejeveer keÀj jne nw pees heefjeqmLeefle kesÀ Devegmeej YeefJe<³e ceW mecetn kesÀ meb®eeueve Deewj GmekesÀ efJeÊeer³e
heefjCeeceeW keÀes he´YeeefJele keÀj mekeÀlee nw, leLee pees efkeÀ efJeÊeer³e efJeJejCeeW keÀer mJeerke=Àefle keÀer leejerKe kesÀ Devegceeve mes efYeVe nes mekeÀlee nw.
5.14 efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes ®eeuet Je<e& kesÀ JeieeakeÀjCe keÀer hegeqä keÀjves kesÀ efueS DeeJeM³ekeÀ mecePes peeves hej hegve: mecetefnle/hegve: Jeieeake=Àle efkeÀ³ee ie³ee nw.
met®evee
Sce Jeer jeJe
he´yebOe efveosMekeÀ SJeb cegK³e keÀe³e&keÀejer DeefOekeÀejer
Þeer nee|okeÀ Mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þ eer he´oerhe heer. efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meerS efjlesMe Deie´Jeeue) (meerS efkeÀjCe kesÀ.oHeÌlejer) (meerS efJepe³e Mesueej) (meerS heer.Deej.keÀjbLe)
efjheesì&
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeFheer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeF&heer[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeF&hee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeF&hee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
efJeÊeer³e
(₹ keÀjesæ[ ceW))
¬eÀ. efJeJejCe 31-03-2022 31-03-2021
meb
S heefj®eeueve ieefleefJeefOe³eeW mes vekeÀo he´Jeen
keÀj hetJe& Meg× ueeYe/(neefve) 1,763.26 (1,425.41)
I mecee³eespeve nsleg :
De®eue Deeeqmle³eeW hej cetu³eÛeme 296.76 292.53
De®eue Deeeqmle³eeW keÀer efye¬eÀer hej (ueeYe)/ neefve (Meg×) (9.10) 21.00
he´l³e#e keÀjeW keÀe Yegieleeve (Jeehemeer keÀer jeefMe Fl³eeefo meefnle) 277.70 1,633.60
jCeefveleer
ueeYeebMe keÀj - -
[er efveJeue vekeÀo ceW Je=ef× Deewj vekeÀo mecekeÀ#e (S + yeer + meer) ³ee (SHeÀ - F&) 14,143.17 2,849.22
yeQkeÀ ceW pecee Mes<e leLee ceebie SJeb Deuhe met®evee hej Mes<e 6,765.67 6,044.56
Je<e& kesÀ he´ejbYe ceW Meg× vekeÀo Deewj vekeÀo mecekeÀ#e (F&) 38,953.77 36,104.55
met®evee
SHeÀ Je<e& kesÀ meceeeqhle ceW vekeÀo Deewj vekeÀo mecekeÀ#e
vekeÀo SJeb YeeefjyeQkeÀ ceW pecee Mes<e 38,033.70 32,188.10
yeQkeÀ ceW pecee Mes<e leLee ceebie SJeb Deuhe met®evee hej Mes<e 15,063.24 6,765.67
Je<e& kesÀ Deble ceW Meg× vekeÀo Deewj vekeÀo mecekeÀ#e (SHeÀ) 53,096.94 38,953.77
efìhheefCe³eeB:
1) GÊeÀ mecesefkeÀle vekeÀo he´Jeen efJeJejCeer DeeF&meerSDeeF& Üeje peejer vekeÀo he´Jeen efJeJejCeer hej uesKeebkeÀve ceevekeÀ-3 ceW efveOee&efjle efkeÀS Devegmeej “Dehe´l³e#e
ceeO³ece” kesÀ Debleie&le lew³eej efkeÀS ieS nw.
efjheesì&
2) efheíues Je<e& kesÀ DeebkeÀæ[eW keÀes Jele&ceeve Je<e& ceW megefveeq½ele keÀjves kesÀ efueS hegveme&ceeefnle /hegveJ³e&JeeqmLele efkeÀ³ee ie³ee nw.
Þeer nee|okeÀ Mesþ Þeer heer.pes.Lee@ceme Þeer efovesMe heebieleer Þ eer he´oerhe heer. efKeceeveer
efveosMekeÀ efveosMekeÀ efveosMekeÀ efveosMekeÀ
ke=Àles Sme.pe³eefkeÀMeve ke=Àles íepesæ[ SJeb oesMeer ke=Àles S.Sme.kesÀ.S SJeb kebÀheveer ke=Àles efkeÀMeesj SJeb efkeÀMeesj
meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej meveoer uesKeekeÀej
SHeÀ.Deej meb. 309005F& SHeÀ.Deej meb. 101794[yu³et SHeÀ.Deej meb. 122063[yu³et SHeÀ.Deej meb. 000291Sve
(meerS efjlesMe Deie´Jeeue) (meerS efkeÀjCe kesÀ.oHeÌlejer) (meerS efJepe³e Mesueej) (meerS heer.Deej.keÀjbLe)
Yeeieeroej Yeeieeroej Yeeieeroej Yeeieeroej
Sce.veb. 062410 Sce.veb. 010279 Sce.veb. 101504 Sce .veb. 018808
³et[erDeeF&Sve : 22062410SDeeFheer[yu³etSceyeer7737 ³et[erDeeF&Sve : 22010279SDeeF&heer[yuetmeerF&5031 ³et[erDeeF&Sve : 22101504SDeeF&hee[yuetyeerJeer8382 ³et[erDeeF&Sve :22018808SDeeF&hee[yuetmeermeer2861
mLeeve : cegbyeF&
efoveebkeÀ : 9 ceF&, 2022
yeer. meceskeÀve kesÀ #es$e ceW uesKeebkeÀve SJeb efJeefve³eecekeÀ oesveeW ner #es$e kesÀ Debleie&le meceskeÀve nsleg efJe®eej efkeÀS ieS mecetn mebmLeeDeeW keÀer met®eer
mebmLee keÀe veece/ mebmLee keÀer cetue leguevehe$e keÀer kegÀue kegÀue FeqkeÌJeìer ceW mebmLee kesÀ hetbpeer legueve he$e keÀer kegÀue
efveieceve keÀe osMe ieefleefJeefOe FeqkeÌJeìer yeQkeÀ keÀer Oeeefjlee meeOeveeW ceW yeQkeÀ Deeeqmle³eeb
(efJeefOekeÀ mebmLee kesÀ keÀe % kesÀ efveJesMeeW keÀe (efJeefOekeÀ mebmLee kesÀ
uesKeebkeÀve leguevehe$e efJeefve³eecekeÀ uesKeebkeÀve leguevehe$e
ceW oMee&S Devegmeej) mebJ³eJenej ceW oMee&S Devegmeej)
jCeefveleer
$eÝCe he´oeve keÀjvee nw.
mesvì yeQkeÀ HeÀeF&veWefMe³eue mee|Jemespe keÀe@heexjsì ie´enkeÀeW keÀes efveJesMe yeQeEkeÀie Glheeo/mesJeeSb 5.00 42.19
efue. / Yeejle he´oeve keÀjvee nw.
GÊej efyenej ie´eceerCe yeQkeÀ, #es$eer³e ie´eceerCe yeQkeÀ 569.44 20411.16
cegpeHeÌHeÀjhegj/Yeejle
GÊej yebie #es$eer³e ie´eceerCe yeQkeÀ, #es$eer³e ie´eceerCe yeQkeÀ 90.79 4458.84
ket˨eefyenej/ Yeejle
[er. meYeer Deveg<ebefie³eeW ceW hetbpeer keÀer keÀceer keÀer kegÀue jeefMe, pees meceskeÀve ceW Meeefceue veneR nw DeLee&led pees IeìeF& ieF& nw leLee Ssmeer Deveg<ebefie³eeW kesÀ veece
: efvejbkeÀ
met®evee
F&. yeercee mebmLeeDeeW ceW yeQkeÀ kesÀ kegÀue efnmmes keÀer meceie´ jeefMe (GoenjCeeLe& Jele&ceeve yener cetu³e), pees peesefKece-Yeeefjlee Jeeues nw : efvejbkeÀ
SHeÀ. yeQeEkeÀie mecetn kesÀ Yeerlej efveefOe³eeW kesÀ Deblej ³ee efve³eecekeÀ hetbpeer hej keÀesF& he´efleyebOe ³ee ªkeÀeJeì : efvejbkeÀ
leeefuekeÀe [erSHeÀ -2 : hetbpeer he³ee&hlelee
iegCeelcekeÀ he´keÀìerkeÀjCeë
(S) Jele&ceeve leLee YeeJeer ieefleefJeefOe³eeW keÀes meb®eeefuele keÀjves kesÀ efueS yeQkeÀ keÀer hetbpeer he³ee&hlelee kesÀ efveOee&jCe nsleg yeQkeÀ kesÀ ¢eqäkeÀesCe keÀer ®e®ee& keÀe meejebMe :
hetbpeer peesefKece DeeOeeefjle Deeeqmle Devegheele (meerDeejSDeej) keÀes Jeebefíle mlej hej yeveeS jKeves kesÀ efueS yeQkeÀ efve³eefcele ªhe mes mece³e-mece³e hej hetbpeer keÀer
DeeJeM³ekeÀlee keÀe cetu³eebkeÀve keÀjlee nw. J³eJemee³e Je=ef× leLee meerDeejSDeej keÀes O³eeve ceW jKe keÀj hetbpeer Dee³eespevee keÀer meceer#ee Jeee|<ekeÀ DeeOeej hej keÀer
peeleer nw.
efjheesì&
yeQkeÀ ves $eÝCe peesefKece kesÀ efueS ceevekeÀerke=Àle ¢eqäkeÀesCe, heefj®eeueve peesefKece kesÀ efueS cetue mebkesÀlekeÀ ¢eqäkeÀesCe leLee yeepeej peesefKece kesÀ efueS ceevekeÀerke=Àle
DeJeefOe ¢eqäkeÀesCe Dehevee³ee nw.
yeQkeÀ kesÀ heeme DeebleefjkeÀ hetbpeer he³ee&hlelee efveOee&jCe he´ef¬eÀ³ee nw, pees yeQkeÀ keÀes GmekesÀ J³eJemee³e he´ekeÌkeÀueveeW kesÀ mebyebOe ceW Deeves Jeeueer hetbpeer DeeJeM³ekeÀleeDeeW
keÀer ³eespevee kesÀ efueS leLee J³eJemee³e ceW efveefnle peesefKeceeW mes efveheìves kesÀ efueS me#ece yeveeleer nw. DeeF&meerSSheer he´³eeme keÀe he´cegKe GÎsM³e nw; Gve peesefKeceeW keÀer
hen®eeve leLee efveOee&jCe keÀjvee pees efheuej I ceW efJeefvee|oä v³etvelece hetbpeer Devegheele kesÀ Debleie&le hetjer lejn mes efve³ebef$ele ve nes, Ssmes peesefKece pees efheuej kesÀ lenle
efyeukegÀue O³eeve ceW ve ueer ieF& leLee pees yeQkeÀ kesÀ yeenjer IeìkeÀ nes leLee Fme he´keÀej kesÀ DeefleefjÊeÀ peesefKeceeW kesÀ efueS hetbpeer keÀe he´eJeOeeve keÀjvee leLee yeQkeÀ kesÀ
peesefKece he´esHeÀeFue kesÀ mebyebOe ceW DeebleefjkeÀ hetbpeer kesÀ Ghe³egÊeÀ mlej keÀes ceehevee. yeQkeÀ ves Deheves meerDeejSDeej hej he´efleketÀue oyeeJe kesÀ he´YeeJe keÀes ceeheves kesÀ
efueS mì^wme hejer#eCe veerefle ueeiet keÀer nw.
yeQkeÀ DeeF&meerSSheer keÀer meceer#ee efleceener DeeOeej hej keÀj jne nw. efJeÊeer³e
yeQkeÀ ves hetbpeer he³ee&hlelee keÀer ieCevee kesÀ efueS veJeervelece ¢eqäkeÀesCe keÀer Deesj peeves nsleg henue keÀer nw Deewj Deefie´ce ¢eqäkeÀesCe kesÀ lenle peesefKece Yeeefjlee keÀer
ieCevee kesÀ efueS SmeSSme meceeOeeve mLeeefhele efkeÀ³ee nw.
heefjceeCeelcekeÀ he´keÀìerkeÀjCe
(yeer) $eÝCe peesefKece kesÀ efueS hetbpeer-DeeJeM³ekeÀleeSb :
• ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve heesì&HeÀesefue³ees @9% ` 10710.00 keÀjesæ[
• he´efleYetefle SkeÌmeheespej : efvejbkeÀ
(meer) yeepeej peesefKece kesÀ efueS hetbpeer-DeeJeM³ekeÀleeSb :
• ceevekeÀerke=Àle DeeJeefOekeÀ ¢eqäkeÀesCe:
- y³eepe oj peesefKece ` 597.17 keÀjesæ[
- efJeosMeer cegêe peesefKece (mJeCe& meefnle) ` 4.05 keÀjesæ[
- FeqkeÌJeìer peesefKece ` 287.56 keÀjesæ[
• efì³ej 1 11.48%
leeefuekeÀe [erSHeÀ – 3
$eÝCe peesefKece : meYeer yeQkeÀeW kesÀ efueS meeceev³e he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCe
$eÝCe peesefKece
Devepe&keÀ :
yeQkeÀeW/efJeÊeer³e mebmLeeDeeW Üeje Deefie´ceeW keÀer mebj®evee hej efJeÐeceeve efJeJeskeÀhetCe& efoMeeefveoxMeeW keÀer meceer#ee keÀjves Jeeues keÀe³e&keÀejer mecetn ves efoveebkeÀ 20.07.2012
keÀer Deheveer efjheesì& ceW ³en yelee³ee nw efkeÀ Debleje&ä^er³e uesKeebkeÀve ceevekeÀeW kesÀ Devegmeej meeceev³ele³ee hegveme¥jef®ele Keeles keÀes efyeie[e ngDee ceevee peelee nw, Deewj ³en
DevegMebmee keÀer nw efkeÀ ³ener meceeve he´ef¬eÀ³ee Yeejle ceW Yeer Dehevee³eer peeS. Yeejleer³e uesKeebkeÀve ceevekeÀ 109 efJeÊeer³e efueKeleeW keÀer hen®eeve, iewj-hen®eeve, JeieeakeÀjCe
Deewj efJeÊeer³e efueKeleeW kesÀ ceehe kesÀ Ûeme Deewj ye®eeJe uesKeebkeÀve Yeer Meeefceue nw.
Devepe&keÀ Deeeqmle³eeb Jen nQ; peneb $eÝCe ³ee Deefie´ce -
(i) efce³eeoer $eÝCe kesÀ mebyebOe ceW 90 efove mes DeefOekeÀ keÀer DeJeefOe kesÀ efueS y³eepe Deewj/³ee cetueOeve keÀer efkeÀmle yekeÀe³ee jns;
jCeefveleer
Deefve³eefcele :
keÀesF& Keelee leye "Deefve³eefcele" oMee&³ee peelee nw, peye yekeÀe³ee Mes<e ueieeleej mJeerke=Àle meercee/DeenjCe MeefÊeÀ mes DeefOekeÀ nes, ³eefo cetue heefj®eeueve Keeles ceW yekeÀe³ee
Mes<e mJeerke=Àle meercee, DeenjCe MeefÊeÀ mes DeefOekeÀ nes, ³eefo cetue heefj®eeueve Keeles ceW yekeÀe³ee Mes<e mJeerke=Àle meercee, DeenjCe MeefÊeÀ mes keÀce nes, hejbleg legueve-he$e keÀer
efleefLe keÀes ueieeleej 90 efoveeW lekeÀ keÀesF& pecee veneR nes ³ee Fme DeJeefOe ceW veeces y³eepe keÀes keÀJej keÀjves ³eesi³e he³ee&hle pecee ve nes.
Deefleos³e :
efkeÀmeer Yeer $eÝCe megefJeOee kesÀ Debleie&le yeQkeÀ keÀes os³e keÀesF& Yeer jeefMe Deefleos³e keÀnueeSieer, ³eefo Jen yeQkeÀ Üeje efveOee&efjle os³e efleefLe keÀes Deoe veneR keÀer peeleer nw.
$eÝCe peesefKece he´yebOeve veerefle
yeQkeÀ ves yees[& Üeje Devegceesefole SkeÀ megmheä $eÝCe peesefKece veerefle keÀes Dehevee³ee nw, efpemekeÀer Jeee|<ekeÀ DeeOeej hej meceer#ee keÀer peeleer nw. ³en veerefle efvecveefueefKele #es$eeW
met®evee
ceW keÀe³e& keÀjleer nw :
• $eÝCe peesefKece – heefjYee<ee, veerefle SJeb keÀe³e&veerefle
• peesefKece hen®eeve leLee ceeheve,
• peesefKece ÞesCeerkeÀjCe leLee meceskeÀerkeÀjCe,
• $eÝCe peesefKece jseEìie, ªhejsKee leLee efjheese\ìie
• peesefKece efve³eb$eCe leLee heesì&HeÀesefue³ees he´yebOeve,
• v³etveerkeÀjCe lekeÀveerkeÀ,
• ue#³e yeepeej leLee Deee|LekeÀ ieefleefJeefOe³eeW kesÀ he´keÀej,
efjheesì&
• $eÝCe Devegceesove he´eefOekeÀjCe,
• osMe SJeb cegêe SkeÌmeheespej
• heefjhekeÌJelee keÀe mJeªhe, efJeefJeOeerkeÀjCe keÀe mlej,
• DeLe&J³eJemLee keÀe ®e¬eÀer³e henuet,
• leguevehe$e Flej SkeÌmeheespej ceW $eÝCe peesefKece,
• $eÝCe peesefKece efveiejeveer he´ef¬eÀ³eeSb
• Deblej yeQkeÀ SkeÌmeheespej ceW $eÝCe peesefKece he´yebOeve,
• osMe peesefKece leLee heefj®eeueve mecyebOeer Dev³e ceeceues. efJeÊeer³e
(` keÀjesæ[ ceW)
(S) kegÀue mekeÀue $eÝCe peesefKece SkeÌmeheespej :
efveefOe DeeOeeefjle*:
iewj-efveefOe DeeOeeefjle: 347259.49
*vekeÀoer, yeQkeÀ Mes<e, efveJesMe Deeefo meefnle 36484.48
yeer) SkeÌmeheespej keÀe YeewieesefuekeÀ mebefJelejCe :
• efJeosMeer 15013,04
• Iejsuet 368730.97
jCeefveleer
Deej.S. 8 uee@efpeeqmìkeÀ FbHe´ÀemìdkeÌ®ej 0.06 4.77 0.00
yeer. Tpee&(yeer1 mes yeer6 lekeÀ) 13500.78 937.26 5613.42
yeer.1 efJeÐegle (Glheeove) 7908.95 408.94 5613.42
yeer.1.1 kesÀvêer³e mejkeÀej meeJe&peefvekeÀ #es$e kesÀ Ghe¬eÀce 1446.01 0.00 1061.70
yeer.1.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 1782.91 5.91 3561.17
yeer.1.3 efvepeer #es$e 4680.03 403.03 990.55
yeer.2 efJeÐegle (mebÒes<eCe) 9.35 37.50 0.00
yeer.2.1 kesÀvê mejkeÀej kesÀ Ghe¬eÀce 0.00 0.00 0.00
yeer.2.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 0.00 0.00 0.00
met®evee
yeer.2.3 efvepeer #es$e 9.35 37.50 0.00
yeer.3 efJeÐegle (efJelejCe) 5499.83 487.43 0.00
yeer.3.1 kesÀvê mejkeÀej kesÀ meeJe&peefvekeÀ #es$e kesÀ Ghe¬eÀce 0.00 0.00 0.00
yeer.3.2 jep³e mejkeÀej kesÀ Ghe¬eÀce (SmeF&yeer meefnle) 5499.83 487.43 0.00
yeer.3.3 efvepeer #es$e 0.00 0.00 0.00
Deej.yeer.4 lesue heeFhe ueeF&ve 0.00 0.00 0.00
Deej.yeer.5 lesue/iewme/lejue he´eke=ÀeflekeÀ iewme (SueSvepeer) Yeb[ejCe megefJeOee 82.65 0.01 0.00
Deej.yeer.6 iewme heeFhe ueeFve 0.00 3.38 0.00
Deej.meer. peue SJeb mJe®ílee (meer.1 mes meer.7) 777.68 5.55 0.00
efjheesì&
Deej.meer.1 þesme DeheefMeä he´yebOeve 1.08 0.00 0.00
Deej.meer.2 peue Deehete|le heeFheueeFve 0.25 1.27 0.00
Deej.meer.3 peue Megef×keÀjCe meb³eb$e 7.11 4.28 0.00
Deej.meer.4 meerJespe mebie´nCe, Megef×keÀjCe Deewj efveheìeve he´Ceeueer 7.16 0.00 0.00
Deej.meer.5 eEme®eeF& (yeebOe, venj, leìyebOe Deeefo) 762.08 0.00 0.00
Deej.meer.6 letHeÀeveer peue efvekeÀemeer J³eJemLee 0.00 0.00 0.00
Deej.meer.7 muejer heeFheueeFve 0.00 0.00 0.00
Deej.[er. meb®eej ([er.1 mes [er.3) 506.74 2401.00 37.88
0.00 0.00 0.00
efJeÊeer³e
Deej.[er.1 otjmeb®eej (efHeÀkeÌme[ vesìJeke&À)
Deej.[er.2 otjmeb®eej ìe@Jej 0.00 0.00 0.00
Deej.[er.3 otjmeb®eej SJeb ìsueerkeÀe@ce mesJeeSb 506.74 2401.00 37.88
Deej.F&. meeceeefpekeÀ SJeb J³eeJemeeef³ekeÀ yegefve³eeoer mebj®evee (F&.1 mes F&.12) 2167.66 107.65 0.00
Deej.F&.1 Mew#eefCekeÀ mebmLeeve (kewÀefheìue mìe@keÀ) 465.98 3.31 0.00
Deej.F&.2 ne@eqmheìue (kewÀefheìue mìe@keÀ) 457.23 78.77 0.00
Deej.F&.3 1 efceefue³eve mes DeefOekeÀ pevemebK³ee Jeeues MenjeW kesÀ yeenj eqmLele 618.32 18.49 0.00
leerve-mìej DeLeJee G®®e ÞesCeer ceW Jeieeake=Àle nesìue
Deej.F&.4 DeewÐeesefiekeÀ heeke&À, mespe, he³e&ìve megefJeOeeDeeW SJeb ke=Àef<e yeepeej 188.77 0.57 0.00
kesÀ efueS meceeve yegefve³eeoer mebj®evee
Deej.F&.5 GJe&jkeÀ (hetbpeer efveJesMe) 0.00 0.00 0.00
Deej.F&.6 keÀesu[ mìesjspe meefnle ke=Àef<e SJeb yeeieJeeveer GlheeoeW kesÀ efueS 251.63 5.75 0.00
keÀìeF& he½eele mìesjspe nsleg yegefve³eeoer mebj®evee
jCeefveleer
(Sue) efveJesMe hej he´eJeOeeve/cetu³eÛeme ceW heefjJele&ve : (` keÀjesæ[ ceW)
he´ejeqcYekeÀ Mes<e 5453.20
Fme DeJeefOe kesÀ oewjeve efkeÀ³ee ie³ee he´eJeOeeve 830.30
yeÆe Keelee efvejbkeÀ
DeefleefjÊeÀ he´eJeOeeve keÀer Jeehemeer 311.20
Fefle Mes<e 5972.30
(Sce) 5 he´cegKe GÐeesieeW keÀer SveheerS keÀer jeefMe (` keÀjesæ[ ceW)
GÐeesie keÀe veece mekeÀue SveheerS
mebj®evee 3888
meYeer Fbefpeefve³eeEjie 3355
met®evee
cetue Oeeleg SJeb Oeeleg Glheeo 1472
ìskeÌmeìeFume 1120
KeeÐe he´mebmkeÀjCe 1069
(Sve) YeewieesefuekeÀ #es$eeW keÀer SveheerS keÀer jeefMe (` keÀjesæ[ ceW) efJeosMe ceW Iejsuet
0 28156
leeefuekeÀe [erSHeÀ - 4
$eÝCe peesefKece : ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ DeOeerve heesì&HeÀesefue³ees kesÀ efue³es he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCe
efjheesì&
S. Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeevegmeej, $eÝCe peesefKece kesÀ efue³es hetbpeer he´Yeej keÀer ieCevee nsleg yeQkeÀ ves ceevekeÀerke=Àle ¢eqäkeÀesCe keÀes Dehevee³ee nw, ³es
efoMeeefveoxMe efJeefYeVe Deeeqmle JeieeakeÀjCe kesÀ efue³es Deueie-Deueie peesefKece Yeeefjlee he´oeve keÀjles nQ, efpevnW efJeefOeJele ªhe mes ueeiet efkeÀ³ee ie³ee nw.
yeer. yeQkeÀ ves DeejyeerDeeF& Üeje DeefYeef®eeqvnle meele yee¿e $eÝCe jseEìie Speseqvme³eeW ³eLee, ef¬eÀefmeue jseEìie efue., kesÀ³ej jseEìie, F¬eÀe efue., Fbef[³ee jseEìie SJeb efjme®e&
he´e.efue. Ske̳etìer (mecesje)jseEìie, efye´keÀJeke&À SJeb FvHeÀescesefjkeÌme keÀes Deheves GOeejkeÀlee&DeeW kesÀ $eÝCeeW keÀes jseEìie nsleg DeefYeef®eeqvnle efkeÀ³ee nw.
meer. ³es Speseqvme³eeb meYeer efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle SkeÌmeheespej keÀer jseEìie keÀjleer nQ, Fve Speseqvme³eeW Üeje yeQkeÀ kesÀ GOeejkeÀlee&DeeW keÀes he´oÊe
jseEìie, peesefKece Yeeefjlee efveOee&efjle keÀjves kesÀ efue³es mJeerkeÀej keÀer peeleer nQ.
[er. keÀe@heexjsì kesÀ efkeÀmeer efJeefMeä efveie&ceeW ceW yeQkeÀ kesÀ efveJesMe kesÀ ceeceues ceW, jseEìie SpeWmeer keÀer efveie&ce efJeefMeä jseEìie keÀes peesefKece Yeeefjlee keÀer ieCevee ceW efue³ee
peeSiee.
efJeÊeer³e
Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMe, $eÝCe peesefKece v³etveerkeÀjCe kesÀ he´³eespeve kesÀ efueS efJeefYeVe he´keÀej keÀer efJeÊeer³e mebheee|éekeÀeW keÀe
DeefYeefveOee&jCe keÀjles nQ, meeLe ner, ³es efoMeeefveoxMe ieejbìer keÀes SkeÀ $eÝCe peesefKece v³etveerkeÀjCe kesÀ ªhe ceW ceev³elee he´oeve keÀjles nQ. Fme
he´keÀej kesÀ lelJeeW keÀe helee ueieeves kesÀ efue³es yeQkeÀ ves Gef®ele veerefleiele Ghee³e efkeÀ³es nQ.
heefjceeCeelcekeÀ he´keÀìerkeÀjCe: ` keÀjesæ[ ceW
(yeer) c eevekeÀerke=Àle ¢eqäkeÀesCe kesÀ Debleie&le, $eÝCe peesefKece heesì&HeÀesefue³ees kesÀ Debleie&le he´keÀìerkeÀjCe kesÀ efue³es, kegÀue
SkeÌmeheespej efvecveevemegej keÀJej efkeÀ³ee ie³ee nw :
• hee$e efJeÊeer³e mebheee|éekeÀ
• efveefOe DeeOeeefjle 14389.38
leeefuekeÀe [erSHeÀ -6
he´efleYeteflekeÀjCe : ceevekeÀerke=Àle ¢eqäkeÀesCe kesÀ efue³es he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCeë
efvejbkeÀ
heefjceeCeelcekeÀ he´keÀìerkeÀjCe : ` keÀjesæ[ ceW
yeQeEkeÀie yener
([er) yeQkeÀ Üeje he´efleYeteflele SkeÌmeheespej keÀer kegÀue jeefMe efvejbkeÀ
(F&) SkeÌmeheespej he´ke=Àefle Üeje efJeKebef[le Jele&ceeve DeJeefOe, (DeLee&led ¬esÀef[ì keÀe[&, DeeJeeme $eÝCe, Dee@ìes $eÝCe Fl³eeefole Deblee|veefnle efvejbkeÀ
he´efleYetefle) ceW ef®eeqÔvele SkeÌmeheespej he´efleYeteflele neefve³eeb
(SHeÀ) SkeÀ Je<e& kesÀ Yeerlej Deeeqmle³eeW keÀer jeefMe keÀes he´efleYeteflele efkeÀS peeves keÀer F®íe efvejbkeÀ
(peer) Ghe³eg&ÊeÀ (SHeÀ), ceW mes he´efleYeteflekeÀjCe kesÀ hetJe& SkeÀ Je<e& kesÀ Yeerlej me=efpele keÀer ieF& Deeeqmle³eeW keÀer jeefMe efvejbkeÀ
(S®e) he´efleYeteflele SkeÌmeheespej (SkeÌmeheespej kesÀ he´keÀej Üeje) keÀer kegÀue jeefMe leLee SkeÌmeheespej he´keÀej Üeje efye¬eÀer hej iewj-DeefYeef®eeqÔvele efvejbkeÀ
ueeYe ³ee neefve³eeb
(DeeF&) efvecve keÀer mecesefkeÀle jeefMe :
- jeskesÀ ieS DeLeJee Kebef[le mJeªhe ceW ¬eÀ³e efkeÀS ieS, legueve he$e he´efleYeteflekeÀjCe SkeÌmeheespej, SJeb- efvejbkeÀ
- SkeÌmeheespej ìeFhe Üeje efJeKebef[le leguevehe$e Flej he´efleYeteflekeÀjCe SkeÌmeheespej efvejbkeÀ
(pes) jeskeÀer ieF& DeLeJee ¬eÀ³e keÀer ieF& leLee mene³ekeÀ hetbpeer he´YeejeW kesÀ yeer®e efJeYeeefpele Deewj he´l³eskeÀ efJeefve³eecekeÀ hetbpeer ¢eqäkeÀesCe kesÀ efueS efvejbkeÀ
efJeefYeVe peesefKece Yeeefjlee mecetneW ceW efJeYeeefpele he´efleYeteflekeÀjCe SkeÌmeheespej keÀer mecesefkeÀle jeefMe.
Ssmes SkeÌmeheespej, efpevnW efì³ej I hetbpeer mes hetCe&le: Ieìe³ee ie³ee nw, kegÀue hetbpeer mes Je=efÜiele $eÝCe DeeF&/Dees keÀes Ieìe³ee ie³ee leLee kegÀue efvejbkeÀ
hetbpeer kesÀ Dev³e SkeÌmeheespejeW keÀes Ieìe³ee ie³ee (SkeÌmeheespej kesÀ he´keÀej kesÀ Devegmeej)
jCeefveleer
- efJeefMeä peesefKece kesÀ efueS J³eehekeÀ peesefKece Ghee³e kesÀ DeOeerve jeskesÀ DeLeJee ¬eÀ³e efkeÀS ieS he´efleYeteflekeÀjCe SkeÌmeheespej leLee : efvejbkeÀ
- efJeefYeVe peesefKeceeW kesÀ efJeefYeVe Yeeefjle mecetneW ceW efJeKebef[le he´efleYeteflekeÀjCe SkeÌmeheespej efvejbkeÀ
(Sve) efvecve keÀer meceie´ jeefMe :
- efJeefYeVe peesefKece Yeeefjle mecetneW ceW efJeKebef[le he´efleYeteflekeÀjCe {eb®es kesÀ DeOeerve he´efleYeteflekeÀjCe SkeÌmeheespej kesÀ efueS Dehesef#ele hetbpeer efvejbkeÀ
- Ssmes SkeÌmeheespej, efpevnW efì³ej I hetbpeer mes hetCe&le: Ieìe³ee ie³ee nQ, kegÀue hetbpeer mes Je=efÜiele $eÝCe DeeF& /Dees keÀes Ieìe³ee ie³ee leLee kegÀue efvejbkeÀ
hetbpeer kesÀ Dev³e SkeÌmeheespejeW mes Ieìe³ee ie³ee (SkeÌmeheespej he´keÀej Üeje)
leeefuekeÀe [erSHeÀ -7
ì^seE[ie yener ceW yeepeej peesefKece
met®evee
iegCeelcekeÀ he´keÀìerkeÀjCe
yeQkeÀ kesÀ heeme megmheä yeepeej peesefKece he´yebOeve veerefle nw, pees yeepeej peesefKece he´yebOeve kesÀ cenlJehetCe& #es$eeW keÀes keÀJej keÀjleer nw.
yeQkeÀ, yeepeej peesefKece keÀes J³eeheej-he´ef¬eÀ³ee ceW ieefleefJeefOe³eeW keÀes efJeMes<e ªhe mes, y³eepe ojeW ceW heefjJele&ve, efJeefvece³e ojeW leLee FeqkeÌJeìer SJeb heC³e cetu³eeW ceW heefjJele&ve
mes legueve he$e leLee leguevehe$e yee¿e eqmLeefle³eeW ceW neefve nesves keÀer peesefKece kesÀ ªhe ceW heefjYeeef<ele keÀjlee nw.
Yeejleer³e efjpeJe& yeQkeÀ Üeje ³eLeeefveOee&efjle, yeepeej peesefKece kesÀ efueS hetbpeer keÀer DeeJeM³ekeÀlee kesÀ efveOee&jCe nsleg yeQkeÀ ves ceevekeÀ DeJeefOe ¢eqäkeÀesCe keÀes Dehevee³ee nw.
efjheesì&
yeQkeÀ ves yeepeej peesefKece kesÀ he´YeeJeer he´yebOeve kesÀ efueS yees[& Üeje Devegceesefole yeepeej peesefKece he´yebOeve veerefle yeQkeÀ ceW ueeiet keÀer nw, pees yeepeej peesefKece he´yebOeve kesÀ
efueS Ghe³eesieer nw. SkeÀerke=Àle keÀes<eeue³e veerefle SJeb Deeeqmle-os³elee he´yebOeve veerefle, Ssmeer Dev³e veerefle³eeb nQ, pees yeepeej peesefKece he´yebOeve mes mebyebefOele nw.
veerefle³eeW ceW efJeefYeVe efJeJeskeÀmeccele SkeÌmeheespej meercee efveOee&efjle keÀer ieF& nw, pees ³en megefveeq½ele keÀjleer nw efkeÀ mecegef®ele yeepeej peesefKece he´yebOeve SJeb Deeeqmle os³elee
he´yebOeve kesÀ peefjS, yeepeej peesefKece kesÀ mece#e yeQkeÀ keÀes Dehesef#ele he´efleHeÀue he´ehle keÀjves kesÀ efueS heefj®eeueve ³eLeeeqmLeefle ceW nw.
Deeeqmle-os³eleeSb he´yebOeve :
efJeÐeceeve efJeefve³eecekeÀ efoMeeefveoxMeeW kesÀ Devegmeej, SSueSce veerefle lew³eej keÀer ieF& nw Deewj ³en efveosMekeÀ ceb[ue Üeje Devegceesefole keÀer ieF& nw. Fme veerefle ceW efJeefve³eecekeÀ
he´efleyebOeeW DeLeJee Deee|LekeÀ heefjJesMe ceW yeoueles heefj¢M³e kesÀ Devegªhe, heefjJele&veeW keÀes Meeefceue keÀjves kesÀ efueS FmekeÀer DeeJeefOekeÀ ªhe mes meceer#ee keÀer peeleer nw. yeQkeÀ
keÀer DeeuekeÀes, lejuelee peesefKece SJeb y³eepe oj peesefKece keÀes SSueSce veerefle ceW he´oÊe efveOee&efjle ceeveob[eW kesÀ Yeerlej heefjJele&veeW keÀes Meeefceue keÀjves kesÀ efueS FmekeÀer efJeÊeer³e
DeeJeefOekeÀ ªhe mes meceer#ee keÀjleer nw SJeb Devegceesefole keÀjleer nw. efveosMekeÀ ceb[ue keÀer peesefKece meefceefle DeeuekeÀes hej hetjer vepej jKeleer nw.
lejuelee peesefKece:
lejuelee peesefKece keÀe he´yebOe, he´Jeen ¢eqäkeÀesCe SJeb mìe@keÀ ¢eqäkeÀesCe keÀe Ghe³eesie keÀjles ngS efkeÀ³ee peelee nw. he´Jeen ¢eqäkeÀesCe ceW vekeÀo he´Jeen Demeblegueve keÀer
J³eehekeÀ ì^seEkeÀie efkeÀ³ee peevee Meeefceue nw. mìe@keÀ ¢eqäkeÀesCe ceW lejuelee peesefKece kesÀ mecyebOe ceW cenlJehetCe& DevegheeleeW keÀe Ghe³eesie efkeÀ³ee peevee Meeefceue nw.
FmekesÀ DeefleefjÊeÀ, yeQkeÀ ves lejuelee ceevekeÀeW hej yesmeue III mebj®evee keÀes Dehevee³ee nw SJeb efJeÐeceeve efJeefve³eecekeÀeW kesÀ Devegmeej, lejuelee keÀJejspe Devegheele (SuemeerDeej)
Deewj vesì mìsyeue HebÀeE[ie jeMeve (SveSmeSHeÀDeej) keÀer efveiejeveer SJeb efjheese\ìie keÀes me#ece yeveeves kesÀ efueS, DeeJeM³ekeÀ he´Ceeueer leLee he´ef¬eÀ³eeDeeW keÀes lew³eej efkeÀ³ee
nw. yeQkeÀ kesÀ heeme efJeefve³eecekeÀ DevegosMeeW Üeje ceeie&oe|Mele, efveosMekeÀ ceb[ue Üeje Devegceesefole lejuelee oyeeJe mebj®evee nw. yeQkeÀ kesÀ heeme Deewhe®eeefjkeÀ DeekeÀeqmcekeÀ
efveefOe ³eespevee (meerSHeÀheer) Yeer nw, pees efkeÀ DeeheelekeÀeueerve eqmLeefle³eeW ceW lejuelee keÀer keÀceer keÀes þerkeÀ keÀjves kesÀ efueS megJ³eJeeqmLele keÀe³e&veerefle nw.
³eesie 888.79
leeefuekeÀe [erSHeÀ-8
iegCeelcekeÀ he´keÀìerkeÀjCe
iegCeelcekeÀ he´keÀìerkeÀjCe
heefj®eeueve peesefKece, neefve³eeW mes mebyebefOele peesefKece nw, pees yeenjer IeìveeDeeW mes DeLeJee DeebleefjkeÀ he´ef¬eÀ³ee, J³eefÊeÀ³eeW leLee he´Ceeefue³eeW keÀer efJeHeÀuelee DeLeJee
Dehe³ee&hlelee mes he´keÀì nesleer nw. heefj®eeueve peesefKece ceW efJeefOe peesefKece Meeefceue neslee nw, hejbleg FmeceW veerefleiele SJeb he´efleÿe peesefKece Meeefceue veneR nesles. yeQkeÀ ceW
heefj®eeueve peesefKece he´yebOeve kesÀ yeejs ceW ceeie&oMe&ve osves kesÀ efueS megmheä heefj®eeueve peesefKece he´yebOeve veerefle GheueyOe nw, efpemekeÀer he´l³eskeÀ Je<e& meceer#ee keÀer peeleer nw.
yeQkeÀ ves heefj®eeueve peesefKece kesÀ lenle mecegVele oMee ceW hengb®eves kesÀ efueS Deheves Deehe keÀes me#ece yeveeves nsleg DevegketÀue mekeÀejelcekeÀ keÀoce GþeS nQ leLee neefve DeebkeÀæ[e
he´yebOeve, peesefKece SJeb efve³eb$eCe mJe-cetu³eebkeÀve (DeejmeerSmeS), he´cegKe peesefKece mebkesÀlekeÀeW (kesÀDeejDeeF&) SJeb heefjeqmLe³eeW kesÀ efJeMues<eCe kesÀ ceeO³ece mes heefj®eeueve
peesefKece neefve keÀer IeìveeDeeW mes mebyebefOele DeebkeÀæ[eW keÀe mebie´nCe keÀjvee he´ejbYe keÀj efo³ee nw. yeQkeÀ yee¿e neefve [eìe DeeOeej kesÀ efueS neefve [eìe kebÀmeese|ì³ece
"heerSmeyeer DeeueFbme" (hetJe& keÀe@j[skeÌme) keÀe meom³e Yeer nw.
yeQkeÀ ves S[Jeebme cespejceWì She´es®e Deheveeves kesÀ efueS SmeSSme he×efle mLeeefhele keÀer nw.
yeQkeÀ ves yegefve³eeoer mebkesÀlekeÀ mebkeÀuhevee kesÀ Devegmeej heefj®eeueve peesefKece nsleg hetbpeer GheueyOe keÀjeF& nw. leovegmeej, efoveebkeÀ 31.03.2022 keÀes heefj®eeueve peesefKece
kesÀ efueS `1471.71 keÀjesæ[ keÀer hetbpeer keÀer DeeJeM³ekeÀlee nw.
leeefuekeÀe [erSHeÀ -9
yeQeEkeÀie yener ceW y³eepe oj peesefKece (DeeF&DeejDeejyeeryeer)
iegCeelcekeÀ he´keÀìerkeÀjCe
y³eepe oj peesefKece keÀe ceeheve SJeb efveiejeveer keÀjves keÀer oes he×efle³eeb nQ :
1) peesefKece hej Dee³e (hejchejeiele Deblej efJeMues<eCe)
Fme he×efle kesÀ Debleie&le Meg× y³eepe Dee³e hej y³eepe ojeW ceW heefjJele&ve kesÀ he´YeeJe keÀe efJeMues<eCe efkeÀ³ee peelee nw Deewj ³eeru[ keÀJe& he×efle mes FmekeÀer ieCevee
keÀer peeleer nw. Fme he×efle kesÀ Debleie&le 1% keÀe meceeveevlej DeblejCe, DeeeqmleDeeW SJeb os³eleeDeeW oesveeW ceW ner ceeve efue³ee peelee nw.
2. FeqkeÌJeìer keÀe Deee|LekeÀ cetu³e
FeqkeÌJeìer keÀer mebMeesefOele DeJeefOe he´ehle keÀjves kesÀ efueS, Deeeqmle³eeW SJeb os³eleeDeeW keÀer mebMeesefOele DeJeefOe keÀe Deueie mes heefjkeÀueve efkeÀ³ee peelee nw. FeqkeÌJeìer
kesÀ Deee|LekeÀ cetu³e keÀer ieCevee kesÀ efueS ³eeru[ keÀJe& ceW 200 yesefmeme heeFbì keÀe meceeveevlej DeblejCe ceeve efue³ee peelee nw.
heefjceeCeelcekeÀ he´keÀìerkeÀjCe
heefjJele&ve kesÀ hewjeceerìj ` keÀjesæ[ ceW
1. meceie´ Deeeqmle SJeb os³elee keÀer y³eepe oj ceW 100 yeerheerSme keÀer Je=ef× kesÀ Dee³e hej he´YeeJe 381.54
jCeefveleer
heefjceeCeelcekeÀ he´keÀìerkeÀjCe ` keÀjesæ[ ceW
efJeJejCe jeefMe
(yeer) mebefJeoe keÀe mekeÀue mekeÀejelcekeÀ cetu³e 75.75
Meg× ueeYe 0
Oeeefjle mebheee|éekeÀ 0
met®evee
(meer) ` keÀjesæ[ ceW
मद आनुमानिक राशि वर्तमान ऋण
एक्सपोजर
फारवर्ड विदेशी विनिमय सं विदा 8097.48 221.28
क्रास करें सी ब्याज दर स्वैप सहित, करें सी फ्यूचर एवं क्रास करें सी स्वैप 0.00 0.00
efjheesì&
meeceev³e FeqkeÌJeìer efì³ej 1 hetbpeer : efueKele SJeb he´eJeOeeve ` keÀjesæ[ ceW meboYe& meb.
1 he´l³e#e efveie&efcele Den&keÀ meeceev³e Mes³ej hetbpeer SJeb mebyebefOele mìekeÀ DeefOeMes<e (Mes³ej he´erefce³ece) 7125.70
2 he´efleOeeefjle Gheepe&ve 0
3 mebef®ele Dev³e J³eehekeÀ Gheepe&ve (SJeb Dev³e he´ejef#ele efveefOe) 15017.38
4 he´l³e#e efveie&efcele hetbpeer pees meerF&ìer 1 mes yeenj keÀer ieF& (kesÀJeue iewj-meb³egÊeÀ mìe@keÀ kebÀheefve³eeW 1 nsleg ueeiet) 0
5 Deveg<ebefie³eeW Üeje peejer SJeb le=leer³e he#e Üeje jKeer ieF& meeceev³e Mes³ej hetbpeer (meerF&ìer 1 mecetn ceW Devegcele jeefMe) 0
6 efJeefve³eecekeÀ mecee³eespeve mes henues meeceev³e FeqkeÌJeìer efì³ej-1 hetbpeer 22143.08
meeceev³e FeqkeÌJeìer efì³ej 1 hetbpeer : efJeefve³eecekeÀ mecee³eespeve
7 efJeJeskeÀmeccele cetu³eebkeÀve mecee³eespeve 0
efJeÊeer³e
8 ieg[efJeue (mebyebefOele Meg× keÀj os³elee) 0
9 Decetle& (mebyebefOele Meg× keÀj os³elee) 0
10 DeemLeefiele keÀj Deeeqmle³eeb (J³eJemee³e neefve) 1402.85
11 vekeÀo-he´Jeen ye®eeJe he´ejef#ele 0
12 Dehesef#ele neefve³eeW kesÀ he´eJeOeeveeW ceW keÀceer 0
13 efJe¬eÀ³e hej he´efleYetefle Je=ef× 0
14 Meg× cetu³eebefkeÀle os³eleeDeeW hej mJe³eb kesÀ $eÝCe peesefKece ceW heefjJele&ve kesÀ keÀejCe DeefOeueeYe SJeb neefve 0
15 heefjYeeef<ele – ueeYe heWMeve efveefOe Meg× Deeeqmle³eeb 277.43
16 mJe³eb kesÀ Mes³ejeW ceW efveJesMe (efjheesì& efkeÀS ieS legueve-he$e hej ®egkeÀlee hetbpeer mes henues ner keÀce ve keÀer ieF& nes) 0
17 meeceev³e FeqkeÌJeìer ceW heejmheefjkeÀ he´efle-Oeeefjlee 0.39
jCeefveleer
52 mJe³eb keÀer efì³ej 2 efueKeleeW ceW efveJesMe 0
53 efì³ej 2 efueKeleeW ceW heejmheefjkeÀ he´efleOeeefjlee 0
54 efJeefve³eecekeÀ meceskeÀve kesÀ #es$e mes yeenj Jeeues yeQeEkeÀie, efJeÊeer³e SJeb yeercee efvekeÀe³eeW keÀer hetbpeer ceW efveJesMe Meg× hee$e 0
DeefOeefJe¬eÀ³e keÀer eqmLeefle, peneb efveie&efcele Mes³ej hetbpeer kesÀ 10% kesÀ DeefOekeÀ lekeÀ yeQkeÀ kesÀ heeme ve nes (10% meercee
mes DeefOekeÀ keÀer jeefMe)
55 efJeefve³eecekeÀ meceskeÀve kesÀ #es$e mes yeenj Jeeues hetbpeeriele yeQeEkeÀie, efJeÊeer³e SJeb yeercee efvekeÀe³eeW ceW cenlJehetCe& efveJesMe 0
(hee$e ueIeg eqmLeefle keÀe efveJeue)
56 jeä^er³e efJeefMeä efJeefve³eecekeÀ mecee³esepeve (56S+56yeer) 0
56S efpemeceW mes : DemecesefkeÀle yeercee Deveg<ebefie³eeW keÀer DeefleefjÊeÀ efì³ej 2 hetbpeer ceW efveJesMe 0
56yeer yengleebMe ceeefuekeÀevee efJeÊeer³e efvekeÀe³eeW, pees yeQkeÀ kesÀ meeLe mecesefkeÀle veneR nw, keÀer DeefleefjÊeÀ efì³ej 2 hetbpeer ceW keÀceer 0
met®evee
57 efì³ej 2 hetbpeer nsleg kegÀue efJeefve³eecekeÀ mJeerkeÀe³e& 0
58a efì³ej 2 hetbpeer 3510.43
58b efì³ej 2 hetBpeer (ìer2) efJeefve³eecekeÀ hetBpeer GÎsM³eeW nsleg mJeerkeÀe³e& 3510.43
59 kegÀue hetbpeer (ìermeer = ìer1 + ìer2) (45 + 58) 20559.87
60 kegÀue peesefKece Yeeefjle Deeeqmle³eeb (60S + 60yeer+ 60meer) 148506.29
60a efpemeceW mes: $eÝCe peesefKece Yeeefjle kegÀue Deeeqmle³eeb 119000.01
60b efpemeceW mes: yeepeej peesefKece Yeeefjle kegÀue Deeeqmle³eeb 11109.87
60c efpemeceW mes: heefj®eeueve peesefKece Yeeefjle kegÀue Deeeqmle³eeb 18396.40
hetbpeer Devegheele
efjheesì&
61 meeceev³e FeqkeÌJeìer efì³ej 1 (peesefKece Yeeefjle Deeeqmle kesÀ he´efleMele kesÀ ªhe ceW) 11.48%
62 efì³ej 1 (peesefKece Yeeefjle Deeeqmle kesÀ he´efleMele kesÀ ªhe ceW) 11.48%
63 kegÀue hetbpeer (peesefKece Yeeefjle Deeeqmle kesÀ he´efleMele kesÀ ªhe ceW) 13.84%
64 mebmLee efJeefMe<ì yeHeÀj DeeJeM³ekeÀleeSb (peesefKece Yeeefjle Deeeqmle³eeW kesÀ he´efleMele kesÀ ªhe ceW J³eÊeÀ 8.00%
v³etvelece meerF&ìer 1 DeeJeM³ekeÀleeDeeW kesÀ meeLe hetbpeer mebj#eCe SJeb he´efle®e¬eÀer³e yeHeÀj DeeJeM³ekeÀleeSb)
65 efpemeceW mes: hetbpeer mebj#eCe yeHeÀj DeeJeM³ekeÀlee 2.50%
66 efpemeceW mes: yeQkeÀ efJeefMe<ì he´efle®e¬eÀer yeHeÀj DeeJeM³ekeÀlee 0.00%
67 efpemeceW mes: peer-SmeDeeF&yeer yeHeÀj DeeJeM³ekeÀlee 0.00%
68 yeHeÀj keÀer hete|le nsleg GheueyOe meeceev³e FeqkeÌJeìer efì³ej 1 (peesefKece Yeeefjle Deeeqmle³eeW kesÀ he´efleMele kesÀ 0.00% efJeÊeer³e
ªhe ceW)
jeä^er³e v³etvelece (³eefo yesmeue III mes Deueie nes)
69 jeä^er³e meeceev³e FeqkeÌJeìer efì³ej 1 v³etvelece Devegheele (³eefo yesmeue III v³etvelece mes Deueie nes) 8.00%
70 jeä^er³e efì³ej 1 v³etvelece Devegheele (³eefo yesmeue III v³etvelece mes Deueie nes) 9.50%
71 jeä^er³e kegÀue hetbpeer v³etvelece Devegheele (³eefo yesmeue III v³etvelece mes Deueie nes) 11.50%
keÀìewleer nsleg efveOee&efjle meercee mes keÀce jeefMe (peesefKece Yeeefjlee mes henues)
72 Dev³e efJeÊeer³e efvekeÀe³eeW keÀer hetbpeer ceW iewj-cenlJehetCe& efveJesMe ueeiet veneR
73 efJeÊeer³e efvekeÀe³eeW keÀer meeceev³e hetbpeer ceW cenlJehetCe& efveJesMe ueeiet veneR
74 cee@jiespe mee|JeeEmeie jeFì (mebyebefOele Meg× keÀj os³elee) ueeiet veneR
75 DemLee³eer DeblejeW mes GlheVe DeemLeefiele keÀj Deeeqmle³eeb (mebyebefOele Meg× keÀj os³elee) ueeiet veneR
efì³ej 2 ceW he´eJeOeeveeW keÀer he´efJeeqä hej ueeiet meerceeSb
leeefuekeÀe [erSHeÀ-12:
hetbpeer keÀe mebIeìve- mecee³eespeve Dehes#eeSb
(` keÀjesæ[ ceW)
efJeÊeer³e efJeJejefCe³eeW kesÀ meboYe&
Devegmeej legueve-he$e
31.03.2022 keÀes
S hetbpeer SJeb os³eleeSb
i ÒeoÊe hetbpeer 8680.93
efpemeceW mes: meerFìer 1 nsleg hee$e jeefMe 7125.70
efpemeceW mes: Sìer 1 nsleg hee$e jeefMe 0
he´ejef#ele efveefOe SJeb DeefOeMes<e 18845.77
Deeyebìve nsleg uebefyele Mes³ej DeeJesove jeefMe 0
DeuhemebK³ekeÀ efnle 0
kegÀue hetbpeer 27526.70
ii peceejeefMe³eeb 342691.94
जिसमें से : बैंकों से जमा 1656.04
जिसमें से: ग्राहकों से जमा 341035.90
जिसमें से: अन्य जमाएं (कृ पया निर्दिष्ट करें ) -
iii GOeejjeefMe³eeb 7474.36
जिसमें से: भारतीय रिज़वर् बैंक से 1764.00
जिसमें से: बैंकों से 0
जिसमें से: अन्य सं स्थाओं एवं एजेंसियों से 2571.26
जिसमें से: अन्य (भारत से बाहर) 0
जिसमें से: गौण ऋण 0
जिसमें से:अपर टियर 2 0
जिसमें से: असुरक्षित मोचनीय एनसी बेसल III बाण्ड्स (टियर2) 3000.00
जिसमें से: नवोन्मेष सतत नामे लिखत 139.10
iv Dev³e os³eleeSb SJeb he´eJeOeeve 8872.59
kegÀue 386565.59
yeer Deeeqmle³eeb
i Yeejleer³e efj]peJe& yeQkeÀ ceW vekeÀoer SJeb Mes<e 38033.70
बैंकों में जमाशेष एवं मांग और अल्प सूचना पर प्रतिदेय राशि 15060.63
jCeefveleer
v Dev³e Deeeqmle³eeb 19555.77
जिसमें से: गुडविल एवं अमूर्त आस्तियां 0
जिसमें से: आस्थगित कर देयताएं 6862.05
vi meceskeÀve hej ieg[efJeue 0
vii ueeYe-neefve Keeles ceW veeces Mes<e 0
kegÀue Deeeqmle³eeb 386565.59
leeefuekeÀe [erSHeÀ-13:
efJeefve³eecekeÀ hetbpeer efueKeleeW keÀer cegK³e efJeMes<eleeSb
efì³ej-1 hetbpeer efueKeleeW keÀer cegK³e efJeMes<eleeSb efvecveevegmeej nQ :
met®evee
efJeJejCe FeqkeÌJeìer
peejerkeÀlee& mesvì^ue yeQkeÀ Dee@HeÀ Fbef[³ee
efJeefMeä hen®eevekeÀlee& (DeLee&led efvepeer DeefYeoeve nsleg meer³etSmeDeeF&heer, DeeF&SmeDeeF&Sve ³ee yuetceyeie& hen®eevekeÀlee&) DeeF&SveF&483S01010
efueKeleeW kesÀ Meemeer keÀevetve Yeejleer³e keÀevetve
efJeefve³eecekeÀ Ghe®eej
heefjJeleea yesmeue III efve³ece meeceev³e FeqkeÌJeìer efì³ej 1
heefjJele&ve he½eele III efve³ece meeceev³e FeqkeÌJeìer efì³ej 1
SkeÀue/mecetn/mecetn SJeb SkeÀue nsleg hee$e SkeÀue SJeb mecetn
efueKele he´keÀej meeceev³e Mes³ej
efJeefve³eecekeÀ hetbpeer ceW ceev³e jeefMe (jeefMe keÀjesæ[ ceW, efjheese\ìie keÀer veJeervelece efleefLe hej) `8681
efjheesì&
efueKele keÀer mececetu³e jeefMe `10 he´efle Mes³ej
uesKeebkeÀve JeieeakeÀjCe Mes³ejOeejkeÀ keÀer FeqkeÌJeìer
peejerkeÀjCe keÀer cetue efleefLe efJeefJeOe
melele ³ee efoveebefkeÀle mLee³eer
cetue heefjhekeÌJelee efleefLe ueeiet veneR
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues peejerkeÀlee& ceebie veneR
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie efleefLe³eeb SJeb cees®eve jeefMe ueeiet veneR
DevegJeleea ceebie efleefLe³eeb, ³eefo ueeiet nes ueeiet veneR
ketÀheve/ueeYeebMe efJeÊeer³e
mLee³eer ³ee heefjJele&veer³e ueeYeebMe/ketÀheve DemLee³eer
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme ueeiet veneR
ueeYeebMe jeskeÀ keÀer efJeÐeceevelee veneR
hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë efJeJeskeÀeefOekeÀej ³ee DeefveJee³e& hetCe&leë efJeJeskeÀeefOekeÀej
cees®eve nsleg JeOe&ve ³ee Dev³e he´eslmeenve keÀer efJeÐeceevelee veneR
iewj-meb®e³eer ³ee meb®e³eer ueeiet veneR
heefjJele&veer³e ³ee iewj-heefjJele&veer³e ueeiet veneR
³eefo heefjJele&veer³e nw, lees heefjJele&ve Glhe´sjkeÀ ueeiet veneR
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee DebMeleë ueeiet veneR
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj ueeiet veneR
³eefo heefjJele&veer³e nw, lees DeefveJee³e& ³ee JewkeÀequhekeÀ heefjJele&ve ueeiet veneR
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw Gme keÀe he´keÀej ueeiet veneR
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW heefjJele&ve efkeÀ³ee ie³ee nw, GmekeÀe peejerkeÀlee& ueeiet veneR
jCeefveleer
heefjJele&ve he½eele III efve³ece hee$e hee$e hee$e hee$e hee$e
SkeÀue/mecetn/mecetn SJeb SkeÀue nsleg hee$e SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn SkeÀue SJeb mecetn
efueKele he´keÀej efì³ej 2 GOeej efì³ej 2 GOeej efì³ej 2 GOeej efì³ej 2 GOeej efì³ej 2 GOeej
efueKele efueKele efueKele efueKele efueKele
efJeefve³eecekeÀ hetBpeer ceW ceev³e keÀer ieF& jeefMe 200 500 500 500 500
(` keÀjesæ[ ceW, DeefOekeÀebMe, veJeerve
efjheese\ìie efoveebkeÀ kesÀ Devegmeej)
efueKele keÀer mececetu³e jeefMe `10 ueeKe `10 ueeKe `10 ueeKe `10 ueeKe `10 ueeKe
uesKeebkeÀve JeieeakeÀjCe os³elee os³elee os³elee os³elee os³elee
peejerkeÀjCe keÀer cetue efleefLe 08.11.2013 07.03.2017 29.03.2019 30.09.2019 20.03.2020
melele ³ee efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle efoveebefkeÀle
cetue heefjhekeÌJelee efleefLe 08.11.2023 07.05.2027 29.05.2029 30.11.2029 20.05.2030
met®evee
he³e&Jes#ekeÀer³e Devegceesove kesÀ henues veneR neb neb neb neb
peejerkeÀlee& ceebie
JewkeÀequhekeÀ ceebie efleefLe, DeekeÀeqmcekeÀ ceebie ueeiet veneR 07.05.2022 29.05.2024 31.11.2024 20.05.2025
efleefLe³eeb SJeb cees®eve jeefMe
DevegJeleea ceebie efleefLe³eeb, ³eefo ueeiet nes ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
ketÀheve/ueeYeebMe
mLee³eer ³ee heefjJele&veer³e ueeYeebMe/ketÀheve eqmLej eqmLej eqmLej eqmLej eqmLej
ketÀheve oj SJeb Dev³e mebyebefOele Fv[skeÌme 9.90% 8.62% 10.80% 9.80% 9.20%
ueeYeebMe jeskeÀ keÀer efJeÐeceevelee veneR veneR veneR veneR veneR
hetCe&leë efJeJeskeÀeefOekeÀej, DebMeleë DeefveJee³e& DeefveJee³e& DeefveJee³e& DeefveJee³e& DeefveJee³e&
efJeJeskeÀeefOekeÀej ³ee DeefveJee³e&
efjheesì&
cees®eve nsleg JeOe&ve ³ee Dev³e he´eslmeenve keÀer veneR veneR veneR veneR veneR
efJeÐeceevelee
iewj-meb®e³eer ³ee meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer iewj-meb®e³eer
heefjJele&veer³e ³ee iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e iewj-heefjJele&veer³e
³eefo heefjJele&veer³e nw, lees heefjJele&ve ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
Glhe´sjkeÀ
³eefo heefjJele&veer³e nw, lees hetCe&leë ³ee ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
DebMeleë
³eefo heefjJele&veer³e nw, lees heefjJele&ve oj ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
³eefo heefjJele&veer³e nw, lees DeefveJee³e& ³ee ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
JewkeÀequhekeÀ heefjJele&ve
³eefo heefjJele&veer³e nw, lees efpeme efueKele ceW ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR ueeiet veneR
efJeÊeer³e
jCeefveleer
efJeefve³eecekeÀ hetbpeer efueKeleeW kesÀ hetCe& efve³ece SJeb MeleX
¬eÀ.meb. hetbpeer keÀe he´keÀej efueKele hetCe& efve³ece SJeb MeleX
1. FeqkeÌJeìer FeqkeÌJeìer pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
2. efì³ej 1 heer[erDeeF& pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
3. efì³ej 2 yesmeue III keÀchueeSbì yeeC[ pewmee cegK³e efJeMes<elee Yeeie ceW he´keÀì nw
leeefuekeÀe [erSHeÀ-16 :
met®evee
FeqkeÌJeìer]pe – yeQeEkeÀie yener nsleg he´keÀìerkeÀjCe mebyebOeer efoveebkeÀ 31.03.2022 keÀer eqmLeefle
iegCeelcekeÀ he´keÀìerkeÀjCe
1 efvecveefueefKele meefnle FeqkeÌJeìer peesefKece kesÀ ceeceues ceW meeceev³e • DeejyeerDeeF& kesÀ efoMeeefveoxMeevegmeej Deveg<ebefie³eeW SJeb meb³egÊeÀ GÐeceeW keÀe FeqkeÌJeìer
iegCeelcekeÀ he´keÀìerkeÀjCe DeeJeM³ekeÀleeSb (Fme DevegueivekeÀ keÀe hewje ceW efveJesMe (meb³egÊeÀ GÐece Jen neslee nw efpemeceW yeQkeÀ Deheveer Deveg<ebefie³eeW kesÀ meeLe
2.1) : 25% mes DeefOekeÀ FeqkeÌJeìer OeejCe keÀjlee nw) S®eìerSce ÞesCeer kesÀ Debleie&le
Jeieeake=Àle efkeÀ³ee peevee ®eeefnS. ³en keÀe³e&veereflekeÀ mebyebOeeW keÀes yevee³es jKeves
• efpeve hej hetbpeeriele ueeYe Dehesef#ele nw Gme Oeeefjle jeefMe leLee DeLeJee keÀe³e&veereflekeÀ J³eJemeeef³ekeÀ GÎsM³eeW kesÀ efueS keÀe³e&veereflekeÀ ue#³eeW kesÀ
heejmheefjkeÀ mebyebOe SJeb keÀe³e&veereflekeÀ keÀejCeeW meefnle efpevnW efueS megjef#ele jKes peeles nQ.
efjheesì&
J³eeeqhle³eeW kesÀ Debleie&le efue³ee ie³ee nw, GveceW efYeVelee; SJeb
• efveJesMe JeieeakeÀjCe Deewj cetu³eebkeÀve hej YeeefjyeQ kesÀ efoMeeefveoxMeeW kesÀ Devegmeej
• yeQeEkeÀie yeefn³eeW ceW FeqkeÌJeìer Oeeefjlee kesÀ cetu³eebkeÀve SJeb efveJesMe keÀer Kejero keÀer efleefLe hej ner “J³eehej nsleg jKee ie³ee” (S®eìerSHeÀ),
uesKeebkeÀve keÀes meceeefnle keÀjles ngS cenÊJehetCe& veerefle³eeW hej “efye¬eÀer nsleg GheueyOe” (SSHeÀSme) Deewj “heefjHekeÌJe nesves lekeÀ jKee ie³ee”
®e®ee&. FveceW cetu³eebkeÀve kesÀ meeLe meeLe FvekeÀer he´LeeDeeW ceW (S®eìerSce) ÞesefCe³eeW ceW (FmekesÀ he½eele “ÞesefCe³eeW” keÀne pee³esiee) Jeieeake=Àle efkeÀ³ee
cenlJehetCe& heefjJele&veeW meefnle he´cegKe ceev³eleeDeeW SJeb he´LeeDeeW ie³ee nw. Gve efveJesMeeW keÀes efpevekeÀes yeQkeÀ heefjhekeÌJelee lekeÀ jKevee ®eenleer nw, keÀes
meefnle he´³egÊeÀ uesKeebkeÀve lekeÀveerkeÀer SJeb cetu³eebkeÀve he´efJeefOe S®eìerSce he´efleYetefle³eeW kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee nQ. Yeejleer³e efj]peJe& yeQkeÀ
Meeefceue nw. efoMeeefveoxMeeW kesÀ Devegmeej S®eìerSce ÞesCeer kesÀ Debleie&le jKes ie³es FeqkeÌJeìer efveJesMe
keÀer hetBpeer he³ee&hlelee GÎsM³eeW nsleg yeQeEkeÀie yener kesÀ ªhe ceW Jeieeake=Àle efkeÀ³ee ie³ee
nQ.
efJeÊeer³e
S®eìerSce ÞesCeer kesÀ Debleie&le, Je]ieeake=Àle efveJesMe GvekesÀ DeefOeie´nCe ueeiele hej efkeÀS peeles
nQ Deewj yeepeej ceW ef®eeqvnle veneR efkeÀ³ee peelee nQ. DemLee³eer kesÀ DeueeJee, keÀesF& Yeer
keÀceer, FeqkeÌJeìer efveJesMe kesÀ cetu³e ceW he´oeve keÀer peeleer nw. S®eìerSce ÞesCeer ceW efveJesMeeW
keÀer efye¬eÀer hej keÀesF& Yeer neefve, ueeYe Deewj neefve efJeJejCeer ceW ef®eeqvnle efkeÀ³ee peelee nw.
S®eìerSce ÞesCeer ceW efveJesMe hej keÀesF& Yeer ueeYe Yeejleer³e efj]peJe& yeQkeÀ kesÀ efoMeeefveoxMeeW kesÀ
Devegmeej keÀj he½eele SJeb "Deejef#ele hetbpeer" ceW JewOeeefvekeÀ Deej#eCe kesÀ yeeo ueeYe-neefve
Keeles ceW ef®eeqvnle SJeb mecee³eesefpele keÀer peeleer nw.
Mes³ej keÀer keÀercele Deewj GmekesÀ Gef®ele cetu³e ceW keÀeHeÀer Deblej nes lees meeJe&peefvekeÀ ªhe mes G×=le Mes³ej cetu³eeW - -
mes leguevee.
2 efveJesMeeW keÀe he´keÀej SJeb he´ke=Àefle, Ssmeer jeefMe meefnle, efpemes efvecveevegmeej Jeieeake=Àle efkeÀ³ee pee mekeÀlee nw: - -
Yeejle ceW meb³egÊeÀ GÐece (mesvì yeQkeÀ nesce HeÀeFveQme) 21.90 21.90
Yeejle kesÀ yeenj, DemeesefmeSì (Fb[es peeeqcye³ee yeQkeÀ efue. ceW meb³egÊeÀ GÐece) 47.49 47.49
jCeveereflekeÀ efveJesMe – Dev³e efJeÊeer³e mebmLeeve (DeeF&SHeÀmeerDeeF&, peerSmeSHeÀmeer, peskesÀSHeÀmeer, 2.07 2.07
[yu³etyeerSHeÀmeer)
3 efjheese\ìie DeJeefOe ceW efye¬eÀer Deewj heefjmeceeheve mes GlheVe he´ehle meb®e³eer ueeYe (neefve³eeb) - -
7 efve³eecekeÀ hetbpeer DeeJeM³ekeÀleeDeeW kesÀ mebyebOe ceW he³e&Jes#eer meb¬eÀceCe DeLeJee DeeJeM³ekeÀ he´eJeOeeveeW kesÀ DeOeerve ueeiet veneR ueeiet veneR
yeQkeÀ keÀer ef¬eÀ³eeefJeefOe kesÀ meeLe meeLe FeqkeÌJeìer efveJesMeeW kesÀ he´keÀej SJeb GvekeÀer kegÀue jeefMe kesÀ mebiele FeqkeÌJeìer
mecetnve Üeje efJe#ele hetbpeeriele DeeJeM³ekeÀleeSb.
leeefuekeÀe [erSHeÀ 17 -
uesKeebkeÀve Deeeqmle³eeb yeveece ueerJejspe Devegheele SkeÌmeheespej Ghee³e keÀe legueveelcekeÀ meejebMe
ceo (` keÀjesæ[ ceW)
1 he´keÀeefMele efJeÊeer³e efJeJejefCe³eeW kesÀ Devegmeej, kegÀue mecesefkeÀle Deeeqmle³eeb 387435.27
2 IeìeSb : yeQeEkeÀie, efJeÊeer³e, yeercee DeLeJee JeeefCeeqp³ekeÀ mebmLeeDeeW ceW efveJesMeeW kesÀ efueS mecee³eespeve, efpevekeÀe uesKeebkeÀve he´³eespeveeLe& 0
meceskeÀve efkeÀ³ee peelee nw, hejbleg pees efJeefve³eecekeÀ meceskeÀve kesÀ #es$e kesÀ yeenj nQ
3 heefj®eeueve uesKeebkeÀve {eb®es kesÀ DevegmejCe ceW leguevehe$e ceW he´l³e³eer Deeeqmle³eeW kesÀ mecee³eespeve keÀes oMee&³ee ie³ee nw, eEkeÀleg ueerJejspe 0
Devegheele SkeÌmeheespej Ghee³e mes yeenj nQ
4 J³eglheVeer efJeÊeer³e efueKeleeW kesÀ efueS mecee³eespeve 2197.26
5 he´efleYetefle³eeb efJeÊeheesef<ele uesveosveeW (DeLee&le jshees SJeb Fmeer lejn keÀer jef#ele GOeejer) kesÀ efueS mecee³eespeve 999.73
6 leguevehe$e Flej ceoeW kesÀ efueS (DeLee&le leguevehe$e Flej SkeÌmeheespej kesÀ $eÝCe mecelegu³e jeefMe ceW heefjJele&ve) mecee³eespeve 16212.16
7 Dev³e mecee³eespeve (5190.96)
8 ueerJejspe Devegheele SkeÌmeheespej 401644.57
jCeefveleer
J³eglheVeer SkeÌmeheespej
4 meYeer J³eglheVeer uesveosve (DeLee&le hee$e vekeÀoer efJe®eueve ceee|peve IeìekeÀj) 137.93
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Notice is hereby given that the 15th (Fifteenth) Annual General compliance with these MCA Circulars and the SEBI
Meeting of the shareholders of Central Bank of India will be (Listing Obligations and Disclosure Requirements)
held on Wednesday, 10th August, 2022 at 11.00 A.M. at Regulations, 2015, the Annual General Meeting of
head office of the Bank situated at Chandermukhi, Nariman the Members of the Bank is being held through VC/
Point, Mumbai- 400 021 (deemed venue of the meeting) OAVM.
through Video Conference (VC) or Other Audio Visual Means ii. Pursuant to the provisions of the Central Bank of
(OAVM), to transact the following business : India (Shares and Meetings) Regulations, 1998, a
Member entitled to attend and vote at the Annual
1) To discuss, approve and adopt the Audited
General Meeting is entitled to appoint a proxy to
Standalone and the Consolidated Balance Sheet
attend and vote on his/her behalf and the proxy
of the Bank as at 31st March 2022, Standalone and
need not be a Member of the Bank. Since this AGM
Consolidated Profit and Loss Account of the Bank
is being held pursuant to the MCA Circulars through
for the year ended 31st March 2022, the report of
VC/OAVM, physical attendance of Members has
the Board of Directors on the working and activities
been dispensed with. Accordingly, the facility for
of the Bank for the period covered by the accounts
appointment of proxies by the Members will not
and the Auditors’ report on the Balance Sheet and
be available for the Annual General Meeting and
Accounts.
hence the Proxy Form and Attendance Slip are not
annexed to the Notice.
iii. APPOINTMENT OF AN AUTHORISED
BY ORDER OF THE BOARD OF DIRECTORS
REPRESENTATIVE
No person shall be entitled to attend or vote at any
Place: Mumbai Smruti Ranjan Dash meeting of the shareholders of Central Bank of India
Date: 27.06.2022 General Manager as the duly authorized representative of a company
unless a copy of the resolution appointing him/her
as a duly authorized representative, certified to be
NOTES: a true copy by the chairman of the meeting at which
it was passed, has been sent to the Bank through
1. HOLDING OF AGM THROUGH VIDEO
e-mail at smird@centralbank.co.in not less than
CONFERENCING (VC) OR OTHER four days before the date fixed for the meeting i.e.
AUDIO VISUAL MEANS (OAVM) on or before 5.00 PM on Friday, 05th August, 2022.
i. In view of the continuing Covid-19 pandemic, iv. No officer or employee of the Bank shall be
Securities & Exchange Board of India (SEBI) appointed as Authorised Representative of a
circular no SEBI/HO/CFD/CMD1/CIR/P/2020/79 shareholder.
dated May 12, 2020, SEBI/HO/CFD/CMD2/
v. Registration of email ID and Bank Account
CIR/P/2021/11 dated January 15, 2021 and SEBI/
details:
HO/CFD/CMD2/CIR/P/2022/62 dated May 13,
2022 read with the Ministry of Corporate Affairs In case the shareholder’s email ID is already
(“MCA”) Circular No. 20 dated May 5, 2020, registered with the Bank/its Registrar & Share
Circular No. 14 dated April 8, 2020, Circular No. 17 Transfer Agent “RTA”/Depositories, log in details
dated April 13, 2020, Circular No. 22 dated June for e-voting are being sent on the registered email
15, 2020, Circular No. 33 dated September 28, address.
2020, Circular No. 39 dated December 31, 2020, In case the shareholder has not registered his/
Circular No. 2 dated January 13, 2021, Circular No. her/their email address with the Bank/its RTA/
19 dated December 2, 2021, Circular No. 21 dated Depositories or not updated the Bank Account
December 14, 2021 and Circular No. 2 dated May mandate for receipt of dividend if declared in future,
5, 2022 (hereinafter collectively referred to as “MCA the following instructions are to be followed:
Circulars”) permitted the holding of Annual General
Meeting through VC or OAVM without the physical (i) Kindly log in to the website of our RTA, Link
presence of Members at a common venue. In Intime India Private Ltd., www.linkintime.co.in
under Investor Services > Email/Bank detail exchange of securities certificate; endorsement;
Registration - fill in the details and upload the sub-division/splitting of securities certificate;
required documents and submit. consolidation of securities certificates/folios;
OR transmission and transposition. Accordingly,
Members are requested to make service requests
(ii) In the case of Shares held in Demat mode: by submitting a duly filled and signed Form ISR –
The shareholder may please contact the 4, the format of which is available on the Bank’s
Depository Participant (“DP”) and register the website at https://www.centralbankofindia.co.in/
email address and bank account details in the sites/default/files/Form_ISR-4.pdf and on the
STRATEGY
demat account as per the process followed website of the Bank’s Registrar and Transfer
and advised by the DP. Agents, Link Intime India Private Ltd. at https://web.
linkintime.co.in/client-downloads.html. It may be
vi. The Notice of the Annual General Meeting is being
noted that any service request can be processed
sent only by electronic mode to those Members
only after the folio is KYC Compliant.
whose email addresses are registered with the Bank/
Depositories, unless any Member has requested for ix. SEBI vide its notification dated January 24, 2022
a physical copy of the same, in accordance with the has mandated that all requests for transfer of
aforesaid MCA Circulars and circular issued by SEBI securities including transmission and transposition
dated May 13, 2022 (as amended if any). Members requests shall be processed only in dematerialized
may note that the Notice of Annual General form. In view of the same and to eliminate all risks
Meeting will also be available on the Bank’s website associated with physical shares and avail various
NOTICE
www.centralbankofindia.co.in under the link benefits of dematerialisation, Members are advised
investor relations; websites of the Stock Exchanges to dematerialise the shares held by them in physical
i.e. National Stock Exchange of India Limited and form. Members can contact the Bank or RTA, for
BSE Limited. Members can attend and participate assistance in this regard.
in the Annual General Meeting through VC/OAVM x. As per the provisions of SEBI Circular, the facility
facility only. for making nomination is available for the Members
vii. Members are requested to intimate changes, if any, in respect of the shares held by them. Members
pertaining to their name, postal address, e-mail who have not yet registered their nomination are
address, telephone/mobile numbers, Permanent requested to register the same by submitting
Account Number (PAN), mandates, nominations, Form No. SH-13. If a Member desires to opt out
REPORTS
power of attorney, bank details such as, name of or cancel the earlier nomination and record a fresh
the bank and branch details, bank account number, nomination, he/ she may submit the same in Form
MICR code, IFSC code, etc.,: ISR-3 as the case may be. The said forms can
be downloaded from the Bank’s website https://
a. For shares held in electronic form: to their
www.centralbankofindia.co.in/en/node/217707.
Depository Participants (DPs)
Members are requested to submit the said details
b. For shares held in physical form: to the Bank/ to their DP in case the shares are held by them in
Registrar and Transfer Agent in prescribed dematerialized form and to Link Intime India Private
Form ISR-1 and other forms pursuant to Limited in case the shares are held in physical form.
SEBI Circular No. SEBI/HO/MIRSD/MIRSD_
xi. Instructions for e-voting and joining the Annual FINANCIALS
RTAMB/P/CIR/2021/655 dated November 3,
General Meeting are as follows:
2021. The Bank has sent letters to physical
shareholders for furnishing the required details. 2 Instructions for Shareholders/
Members may also refer to letter to physical
Members to attend the Annual
shareholders on Bank’s website https://www.
centralbankofindia.co.in/sites/default/files/ General Meeting through VC/OAVM:
Letter-to-Physical-Shareholders.pdf. 1) Shareholders/Members are entitled to attend
the Annual General Meeting through VC/OAVM
viii. Members may please note that SEBI vide its
provided by Link Intime India Pvt. Limited by
Circular No. SEBI/HO/MIRSD/MIRSD_ RTAMB/P/
following the below mentioned process. Facility
CIR/2022/8 dated January 25, 2022 has mandated
for joining the Annual General Meeting through
the listed companies to issue securities in
VC/OAVM shall open 15 minutes before the time
dematerialized form only while processing service
scheduled for the Annual General Meeting and
requests viz. Issue of duplicate securities certificate;
will be available to the Members on first come first
claim from unclaimed suspense account; renewal/
serve basis.
a. DP ID / Client ID or Beneficiary ID or Folio Shareholders/ Members, who would like to ask questions,
No.: Enter your 16 digit DP ID / Client ID or may send their questions in advance mentioning their
Beneficiary ID or Folio Number registered name, demat account number/folio number, email id,
with the Bank mobile number at e-mail : smird@centralbank.co.in .
The same will be replied by the Bank suitably.
b. PAN: Enter your 10 digit Permanent
Account Number (PAN) Note:
In case the shareholders/members have any queries 1. On the Shareholders VC page, click on the link for
or issues regarding e-voting, you can write an email to e-Voting “Cast your vote”.
2. Enter Demat Account No. / Folio No. and OTP 3. REMOTE E-VOTING
(received on the registered mobile number/
In compliance with Regulation 44 of the SEBI (Listing
registered email Id) received during registration for Obligations and Disclosure Requirements) Regulations,
InstaMeet and click on ‘Submit’. 2015 as amended read with Rule 20 of the Companies
3. After successful login, you will see “Resolution (Management and Administration) Rules, 2014 as
Description” and against the same the option amended and in compliance with SEBI circular dated
“Favour/ Against” for voting. December 9, 2020 on e-Voting facility provided by
Listed Companies, the Bank is pleased to offer remote
4. Cast your vote by selecting appropriate option i.e.
e-voting facility as an alternative mode of voting which
STRATEGY
“Favour/Against” as desired. will enable the Members to cast their votes electronically.
Enter the number of shares (which represents no. of Necessary arrangements have been made by the Bank
votes) as on the cut-off date under ‘Favour/Against’. with Link Intime India Pvt. Limited, Registrar and Share
Transfer agent of the Bank to facilitate remote e-voting.
5. After selecting the appropriate option i.e. Favour/
Against as desired and you have decided to Pursuant to SEBI Circular no. SEBI/HO/CFD/CMD/
vote, click on “Save”. A confirmation box will be CIR/P/2020/242 dated December 9, 2020 on “e-voting
displayed. If you wish to confirm your vote, click on facility provided by Listed Companies”, e-voting process
“Confirm”, else to change your vote, click on “Back” has been enabled to all the individual demat account
and accordingly modify your vote. holders, by way of single login credential, through
their demat accounts/websites of Depositories/ DPs to
6. Once you confirm your vote on the resolution, you increase the efficiency of the voting process. Individual
NOTICE
will not be allowed to modify or change your vote demat account holders would be able to cast their
subsequently. vote without having to register again with the e-voting
Note: service provider (“ESP”) thereby not only facilitating
seamless authentication but also ease and convenience
Shareholders/ Members, who will be present in the
of participating in e-voting process. Shareholders are
Annual General Meeting through VC/OAVM by InstaMeet
advised to update their mobile number and e-mail ID
facility and have not casted their vote on the Resolutions
with their DPs to access e-voting facility.
through remote e-Voting and are otherwise not barred
from doing so, shall be eligible to vote through e-Voting The remote e-voting period begins on Sunday, 07th
facility during the meeting. August, 2022 at 10.00 AM and ends on Tuesday,
09th August, 2022 at 05.00 PM. During this period
REPORTS
Shareholders/ Members who have voted through shareholders of the Bank holding shares either in
Remote e-Voting prior to the Annual General Meeting will physical form or in dematerialized form as on the
be eligible to attend/participate in the Annual General cut-off date i.e. Wednesday, 03rd August, 2022, may
Meeting through InstaMeet. However, they will not be cast their vote electronically. The remote e-voting
eligible to vote again during the meeting. module shall be disabled by Link Intime India Pvt.
In case the shareholders/members have any queries Limited for voting thereafter.
or issues regarding e-voting, you can write an email to The process and instructions for remote e-voting
instameet@linkintime.co.in or Call at Telephone no. 022- and login method for Individual shareholders holding
4918 6175. securities in demat mode/ physical mode is given below:
FINANCIALS
» Login for Individual shareholders holding securities in demat mode/ physical mode is given below :-
STRATEGY
shall use the sequence number provided to you, if applicable.
C. DOB/DOI: Enter the Date of Birth (DOB) / Date of Incorporation (DOI) (As
recorded with your DP / Company - in DD/MM/YYYY format)
D. Bank Account Number: Enter your Bank Account Number (last four digits),
as recorded with your DP/Company.
» Shareholders/ members holding shares in physical form but have not recorded ‘C’
and ‘D’, shall provide their Folio number in ‘D’ above
Set the password of your choice (The password should contain minimum 8
characters, at least one special Character (@!#$&*), at least one numeral, at
NOTICE
least one alphabet and at least one capital letter).
Click “confirm” (Your password is now generated).
2. Click on ‘Login’ under ‘SHARE HOLDER’ tab.
3. Enter your User ID, Password and Image Verification (CAPTCHA) Code and click on
‘Submit’.
4. After successful login, you will be able to see the notification for e-voting. Select ‘View’
icon.
5. E-voting page will appear.
REPORTS
6. Refer the Resolution description and cast your vote by selecting your desired option
‘Favour / Against’ (If you wish to view the entire Resolution details, click on the ‘View
Resolution’ file link).
7. After selecting the desired option i.e. Favour / Against, click on ‘Submit’. A confirmation
box will be displayed. If you wish to confirm your vote, click on ‘Yes’, else to change your
vote, click on ‘No’ and accordingly modify your vote.
(2) witnesses not in the employment of the Bank and to vote in the meeting.
make a Scrutinizer’s Report of the votes cast in favour or
against, if any, forthwith to the Chairman.
9. Shareholders may also access the
VIII.
The Results declared alongwith the Scrutinizer’s
Annual Report from the Bank’s
Report shall be placed on the Bank’s website website for the Meeting.
www.centralbankofindia.co.in and on the website of 10. Intimation to shareholders holding
Link Intime India Pvt. Limited within two (2) days of
shares in physical form:
passing of the resolution at the AGM of the Bank and
communicated to the BSE Limited and National Stock As you may be aware that the shares cannot be traded
STRATEGY
Exchange of India Limited. in physical form and in order to impart liquidity to the
shareholders, we request you to convert your shares into
4. CLOSURE OF REGISTER OF Dematerialised form. You may convert your shares into
SHAREHOLDERS: Demat by opening an Account with the nearest bank’s
The Register of Shareholders and Share Transfer Books branch providing Demat Service. The list of branches
of the Bank will remain closed from Sunday, 7th August, providing Demat services is available on website of
2022 to Wednesday, 10th August, 2022 (both days the Bank. There are various advantages associated
inclusive). with converting your shareholding in Demat form viz.
avoidance of loss, bad deliveries, faster settlements,
5. VOTING RIGHTS paperless trading, etc. Further, intimations regarding
In terms of the provisions of Section 3(2E) of the Act, no change of address, bank mandate, nomination and
NOTICE
shareholder of the corresponding new Bank, other than request for transaction are required to be given only
the Central Government, shall be entitled to exercise at one place i.e. with the branch where you open your
voting rights in respect of any shares held by him/her in Demat Account even if you hold shares of more than one
excess of ten per cent of the total voting rights of all the Company/entity.
shareholders of the Bank.
11. UNCLAIMED DIVIDEND, IF ANY
Subject to the above, as per Regulation 68, each The shareholders who have not encashed their Dividend
shareholder who has been registered as a shareholder Warrants / or have not received dividend declared are
shall have one vote on show of hands and in case of a requested to contact the Registrar and Share Transfer
poll shall have one vote for each share held by him. Agent or the Bank.
6. Outcome of Meeting:
REPORTS
As per Section 10B of The Banking Companies
The resolution shall be deemed to be passed at the (Acquisition and Transfer of Undertakings) Act, 1970,
Head Office of the Bank on the date of AGM subject to the amount of dividend remaining unpaid or unclaimed
receipt of the requisite number of votes in the favour of for a period of seven years from the date of transfer
resolutions. to the Unpaid Dividend Account is required to be
transferred to the Investor Education and Protection
7. Recorded Transcript/Proceeding of Fund (IEPF) and thereafter no claim for payment shall lie
the Meeting: in respect thereof to the Bank. The shareholders, whose
Proceeding of AGM held through VC/OAVM shall unclaimed dividends have been transferred to IEPF, may
be made available on the website of the Bank claim the same by making an online application to the
www.centralbankofindia.co.in under Investor Relations IEPF Authority in web Form No. IEPF-5 available on FINANCIALS
296
YoY Growth 23.49% 10.64% 9.38% 15.22% 6.21% 6.46% 4.15% 11.45% (0.62%) 1.70% 4.63% 5.17% 3.85%
Total Loans &
Advances 1,07,118 1,31,407 1,50,725 176234 1,83,321 1,94,967 1,90,152 1,53,008 1,77,484 1,67,729 1,72,244 1,76,913 1,89,712
YoY Growth 23.49% 22.67% 14.70% 16.92% 4.02% 6.35% (2.47%) (19.53%) 16.00% (5.50%) 2.69% 2.71% 7.23%
Investments 52,008 54,847 59,577 72,662 86,384 95,655 89,895 93,792 1,05,295 1,29,219 1,47,358 1,53,820 1,46,759
YoY Growth 17.02% 5.46% 8.62% 21.96% 18.88% 10.73% (6.02%) 4.34% 12.26% 22.72% 14.03% 4.39% (4.59%)
CD Ratio 66.08% 73.27% 76.83% 77.97% 76.36% 76.29% 71.44% 51.57% 60.20% 55.94% 54.90% 53.61% 55.63
Return on Assets 0.66% 0.70% 0.26% 0.44% (0.47%) 0.21% (0.48%) (0.80%) (1.61%) (1.70%) (0.35%) (0.26%) 0.30%
PROFITABILITY
* Figures of March21 have been recalculated/regrouped wherever necessary to conform the current year classification
Directors’ Report 2021-22
Your Directors have pleasure in presenting the Annual Report of the Bank along with the Audited Statement of
Accounts, the Profit and Loss accounts and the cash flow statement for the year ended March 31, 2022.
1. Performance Highlights » Net Interest Margin (NIM) improved to 3.21% in the financial
year ended March 31, 2022 as compared to 2.78% in the
» Total Business of the Bank stood at ₹ 532404 crore as at
Financial Year ended March 31, 2021.
March 31, 2022 compared to ₹ 506886 crore as at March
31, 2021. » Return on Assets (ROA) is 0.30% for the Financial Year
ended March 31, 2022.
STRATEGY
» Total Deposits stood at ₹ 342692 crore as against ₹ 329973
crore in March 31, 2021. » The credit deployment under priority sector stood at ₹
93887 crore during FY 2021-22. However, to take an
» Total Advances of the Bank stood at ₹ 189712 crore as
advantage of excessive lending over ANBC in Priority
against ₹176913 crore in March 31, 2021.
Sector credit, Bank undertook sale/purchase transactions
» Total Income for the financial year ended March 31, 2022 in PSLCs. During the year Bank sold PLSCs worth ₹ 15528
was ₹ 25770 crore as compared to ₹ 25846* crore for the crore under PS Advances.
financial year ended March 31, 2021.
» Agriculture Advance of the Bank stood at ₹ 38635 crore for
» Non-Interest Income of the Bank stood at ₹ 2968 crore the financial year ended March 31, 2022 as against ₹36207
for the financial year ended March 31, 2022 compared to crore for the previous financial year ended March 31, 2021.
₹ 3116* crore for the financial year ended March 31, 2021.
» MSME Advances for the Financial Year ended March
NOTICE
» Operating Profit of the Bank increased to ₹ 5742 crore for 31, 2022 stood at ₹ 34138.55 crore without PSLC and
the financial year ended March 31, 2022 as compared to Investment in SIDBI is ₹ 264.04 crore and Mudra Limited is
₹ 4579* crore for the corresponding previous financial year ₹ 31.65 crore. PSLC for the FY 2021-22 is nil.
ended March 31, 2021 showing increase of 25.40%.
» Retail Loans increased to ₹ 52226 crore in financial year
» The Bank has earned Net Profit of ₹ 1045 crore for the ended March 31, 2022 from ₹ 49468 crore in financial
financial year ended March 31, 2022 as compared to Net year ended March 31, 2021.
Loss of ₹ 888 crore during previous financial year ended
» Housing Loan portfolio of the Bank stood at ₹ 30163 crore
March 31, 2021.
for the financial year ended March 31, 2022, registering
» Business per employee increased to ₹ 17.15 crore during y-o-y growth of 7.84%. Housing Loan Portfolio constitutes
REPORTS
the financial year ended March 31, 2022 from ₹ 15.60 57.75% of the total Retail Portfolio as on March 31, 2022.
crore in the previous financial year ended March 31, 2021.
» There are 46 RSETIs in 9 States of the country viz. Madhya
» Capital Adequacy Ratio (as per Basel-III) stood at 13.84%@ Pradesh(18), Bihar(9), Maharashtra(6), Uttar Pradesh(5),
with Tier I at 11.48% and Tier II at 2.36% for the financial West Bengal(3), Chhattisgarh(2), Rajasthan(1), Odissa(1)
year ended March 31, 2022. and Assam(1). During the year 2021-22, the RSETIs
(@As advised by RBI in its risk assessment report, conducted 672 training programmes and imparted training
Bank has computed Capital Ratio after adjustment for to 18589 candidates. Out of this, 5501 (i.e. 30%) trainees
reckoning NPV of non-interest bearing recapitalization were settled through bank credit, wage settlement and self-
bond issued by Government of India. Without considering finance. Credit linkage of settled candidates achieved is
the impact of NPV, Tier 1, Tier 2 and CRAR are 13.39%, 2879 i.e. 16%.
FINANCIALS
2.36% and 15.75% respectively) » Bank has 2 RRBs as on 31st March 2022 in 2 states covering
» Net worth stood at ₹ 23801.85 crore as on March 31, 2022. 23 districts with a network of 1174 branches.
» Cash Recovery (including sale of NPA) improved to » Under Financial Inclusion, Bank deployed 10299 BC Agents.
₹ 3266 crore in the financial year ended March 31, 2022 Bank has opened 196 Urban Financial Inclusion centres.
as compared to ₹ 2963 crore in the previous financial year Bank has further opened 231.41 lakh Basic Saving Bank
ended March 31, 2021. Deposit Accounts (BSBDA) through its BCs and Branches.
» Gross NPA to Gross Advances improved to 14.84% as on » Total earning from Bancassurance business is ₹ 74.36
March 31, 2022 from 16.55% as on March 31, 2021. crore for the financial year ended March 31, 2022.
» Net NPA to Net Advances reduced to 3.97% as on March » As on 31st March 2022, Bank has network of 4528 branches,
31, 2022 as against 5.77% as on March 31, 2021. spanning 65% branches in rural & semi-urban areas, 2976
ATMs, 10 satellite offices and 1 Extension Counter across
» Provision Coverage Ratio improved to 86.69% as on March
the country.
31, 2022 from 82.54% as on March 31, 2021.
3. Provisions
Details of Total Provisions of ₹ 4152 crore charged to the Profit and Loss Account during the financial year 2021-22 vis-
a-vis previous financial year are detailed as under:
(₹ in Crores)
31.03.2022 31.03.2021 Variation
(FY) (FY)
Provisions for Standard Assets (222) 263 -184.41
Provisions for NPAs 2461 5176 -52.45
Provisions for Restructured Accounts 596 77 674.03
Provision on Investments 646 357 80.95
Provisions for Taxes 672 (436) -254.16
Others (1) 30 -103.33
Total 4152 5467 -24.05
4. Profitability Ratios
(In percentage)
31.03.2022 31.03.2021
(FY) (FY)
Cost of Deposits 3.86 4.35
Cost of Funds 3.92 4.43
Yield on Advances 6.57 6.63
Yield on Investments 6.27 6.63
Yield on Investment (including Trading Profit) 6.59 7.53
Net Interest Margin 3.21 2.78
Cost to Income Ratio 53.90 59.70
5. Business Ratios
(In percentage)
31.03.2022 31.03.2021
(FY) (FY)
Interest Income to Average Working Fund (AWF) 6.65 6.67
Non-Interest Income to AWF 0.87 0.91
Operating Profit to AWF 1.67 1.34
Return on Average Assets 0.30 (0.26)
STRATEGY
Business Per Employee (₹ in crore) 17.15 15.60
Net Profit per Employee (₹ in lakh) 3.38 (2.74)
* Figures have been recalculated/ regrouped wherever necessary to confirm the current year classification.
NOTICE
Tier-II 2.36% 1.99%
Capital Adequacy Ratio 13.84% 14.81%
*As advised by RBI in its risk assessment report, Bank has computed Capital Ratio after adjustment for reckoning NPV of non-interest
bearing recapitalization bond issued by Government of India. Without considering the impact of NPV, Tier 1, Tier 2 and CRAR are
13.39%, 2.36% and 15.75% respectively.
REPORTS
on equity shares for the Financial Year 2021-22. resolution. Bank has a web based portal in the name
of “Cent e-Whistleblower” to facilitate reporting of
8. Changes in the Board during the year malpractices by Employees and Directors without
During the year under review, the following changes took revealing their identities, which would be known to the
place in the Board of Directors of the Bank: General Manager – Human Resources Department.
1. Shri Tapan Ray, Part-time Non-official Director as Directors and Employees may also approach Chairman
well as Non-Executive Chairman ceased to be the of the Audit Committee of the Board directly. This may
Director of the Bank w.e.f. close of working hours help to curb malpractices, prevent frauds and boost up
on 23rd May, 2021. morale of the employees.
FINANCIALS
2. Smt. Mini Ipe, Shareholder Director ceased to be 10. Prompt Corrective Action
the Director of the Bank w.e.f. close of working Reserve Bank of India vide their letter dated June 13,
hours on 30th June, 2021. 2017, has put the Bank under Prompt Corrective Action
3. Shri Dinesh Pangtey was appointed as Shareholder (PCA) in view of high net NPA and negative Return on
Director of the Bank w.e.f. 01st July, 2021. Assets. Bank has fulfilled all parameters under revised
PCA framework for SCBs issued by RBI and Bank shall
4. Shri Pradip Pranlal Khimani was appointed as non-
work with all valor to exit from PCA.
official Director of the Bank in terms of Department
of Financial Services, Government of India 11 Business Responsibility and
Notification, w.e.f. 21st December, 2021.
Sustainability Report
The Board places on record its appreciation of valuable Business Responsibility and Sustainability Report
contribution extended by Shri Tapan Ray and Smt. Mini as stipulated under Regulation 34 of the Securities
Ipe who ceased to be the Directors of the Bank during and Exchange Board of India (Listing Obligations and
the Financial Year 2021-22. Disclosure Requirements) Regulations, 2015 has been
annexed to this report and also hosted on the website of Internal Financial Controls are adequate and were
the Bank (www.centralbankofindia.co.in). operating effectively; and
12. Directors’ Responsibility Statement Proper systems have been devised to ensure compliance
with the provisions of all applicable laws and these
The Directors confirm that in the preparation
systems are adequate and operating effectively.
of the annual accounts for the financial year
ended March 31, 2022: 13. Corporate Governance
The applicable accounting standards have been followed The Board of the Bank is committed to adopt best
along with proper explanation relating to material Corporate Governance practices in both letter and spirit.
departure, if any; The Bank has a well-documented system and practice
on Corporate Governance.
The accounting policies framed in accordance with the
guidelines of the Reserve Bank of India were consistently 14. Acknowledgement
applied; The Board of Directors places on record its gratitude to
Reasonable and prudent judgement and estimates were the Government of India, Reserve Bank of India and the
made so as to give a true and fair view of the state of Securities and Exchange Board of India for their valuable
affairs of the Bank at the end of the financial year and of guidance and support. The Board acknowledges
the profit/ loss of the Bank for the financial year ended with gratitude the unstinted support and faith of its
March 31, 2022; employees, customers and shareholders.
Proper and sufficient care was taken for the maintenance
of adequate accounting records in accordance with the For and on behalf of the Board of Directors
provisions of the applicable laws governing banks in [M V Rao]
India; Place : Mumbai Managing Director and
The accounts have been prepared on a going concern Date : June 27, 2022 Chief Executive Officer
basis;
STRATEGY
Independent Auditor’s Certificate
on Compliance with Corporate Governance Requirements under SEBI (Listing Obligations and Disclosure
Requirements) Regulations, 2015
To the Members of
Central Bank of India
NOTICE
1. This Certificate is issued in accordance with the terms of our engagement letter dated 7th October 2021.
2. This report contains details of compliance of conditions of Corporate Governance by Central Bank of India (‘the Bank’),
for the year ended 31 March 2022, as stipulated provisions of the Securities and Exchange Board of India (Listing
Obligations and Disclosure Requirements) Regulations, 2015, amended from time to time as referred to in Regulation 15
(2) of the ‘Listing Regulations for the year April 1, 2021 to March 31, 2022.
REPORTS
maintenance of all its relevant supporting records and documents.
Auditors’ Responsibility
4. Our examination was limited to procedures and implementation thereof adopted by the Bank for ensuring the compliance
of the conditions of Corporate Governance as stipulated in the above-mentioned Listing Regulations. It is neither an audit
nor an expression of opinion on the financial statements of the Bank.
5. Pursuant to the requirements of the Listing Regulations, it is our responsibility to provide a reasonable assurance whether
the Bank has complied with the conditions of Corporate Governance as stipulated in Listing Regulations for the year
ended 31 March 2022.
6. We conducted our examination in accordance with the Guidance Note on Reports or Certificates for Special Purposes FINANCIALS
[Revised 2016] (‘the Guidance Note’) issued by the Institute of Chartered Accountants of India (‘ICAI’). The Guidance
Note requires that we comply with the ethical requirements of the Code of Ethics issued by the ICAI.
7. We have complied with the relevant applicable requirements of the Standard on Quality Control (SQC) 1, Quality Control
for Firms that Perform Audits and Reviews of Historical Financial Information, and Other Assurance and Related Services
Engagements.
Opinion
8. In our opinion, and to the best of our information and according to explanations given to us, we certify that the Bank has
complied with the conditions of Corporate Governance as stipulated in the above-mentioned Listing Regulations.
9. We state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or
effectiveness with which the management has conducted the affairs of the Bank.
Date : 09.05.2022
Place : Mumbai
STRATEGY
Central Bank of India as amended. (Not Applicable during the year under
Chandermukhi Building., review)
9th Floor, Nariman Point, d) Securities and Exchange Board of India (Buyback of
Mumbai - 400 021. Securities) Regulations,2018; (Not Applicable during
the year under review)
I have conducted the Secretarial Audit of the compliance of
applicable statutory provisions and the adherence to good e) Securities and Exchange Board of India (Share Based
corporate practices by Central Bank of India, (hereinafter Employee Benefits and Sweat Equity) Regulations, 2021;
called the ‘Bank’). Secretarial Audit was conducted in a (Not Applicable to the Bank for the year under review)
manner that provided me a reasonable basis for evaluating the f) Securities and Exchange Board of India (Issue and
corporate conducts/statutory compliances and expressing Listing of Non-convertible Securities) Regulations,
NOTICE
my opinion thereon. 2021; (Not applicable during the year under review)
Securities and Exchange Board of India (Prohibition of
Based on my verification of the Minutes books, forms and Insider Trading) Regulations, 2015 as amended;
returns filed by the Bank and other records maintained by the
The Following other Laws as applicable to the Bank:
Bank and also the information provided by the Bank officials
during the conduct of Secretarial Audit. I hereby report that, (a) Banking Regulation Act 1949 along with Notifications
in my opinion, the Bank has, during the audit period covering and Circulars issued by the Reserve Bank of India (RBI)
the financial year ended on 31st March, 2022 complied and Government of India (GOI) from time to time.
with the statutory provisions listed hereunder and also that (b) Banking Companies (Acquisition & Transfer of
the Bank has proper Board-processes and compliance- Undertakings) Act, 1970 and its amendments thereof.
REPORTS
mechanism in place to the extent, in the manner and subject
(c) Nationalised Banks (Management & Miscellaneous
to the reporting made hereinafter:
Provisions) Scheme, 1970
(i) The Companies Act, 2013 (the Act) and the Rules made (d) Central Bank of India (Shares and Meetings) Regulations,
thereunder to the extent applicable to the Bank. 1998
(ii) The Securities Contracts (Regulation) Act, 1956 I have also examined compliance with the applicable clauses
(‘SCRA’) and the rules made thereunder. of the following:
(iii) The Depositories Act, 1996 and the Regulations and
(i) Secretarial Standards issued by the Institute of Company
Byelaws framed thereunder.
Secretaries of India relating to Board Meetings and
FINANCIALS
(iv) Foreign Exchange Management Act, 1999 and the General Meetings – The Bank is complying with the
rules and regulations made thereunder to the extent of provisions of the Nationalized Banks (Management
Foreign Direct Investment, Overseas Direct Investment and Miscellaneous Provisions) Scheme, 1970, Central
and External Commercial Borrowings; (Not Applicable Bank (Shares and Meetings) Regulations, 2000 and
to the Bank for the period under review). other applicable rules, regulations, circulars, notification
The following Regulations and Guidelines prescribed under issued by RBI/GOI relating to Board Meeting and
the Securities and Exchange Board of India Act,1992 (‘SEBI General Meetings, as amended from time to time.
Act’): - (ii) The Listing Agreements entered by the Bank with BSE
a) Securities and Exchange Board of India (Listing Ltd (BSE) and the National Stock Exchange of India Ltd.
Obligations and Disclosure Requirements) Regulations, (NSE).
2015 as amended; I have also reviewed the systems and mechanisms
b) Securities and Exchange Board of India (Issue of Capital established by the Bank for ensuring compliances under
and Disclosure Requirements) Regulations, 2018 as ‘Sexual Harassment of Women at Workplace (Prevention,
amended; Prohibition and Redressal) Act, 2013’ and during the period
The Board of Directors of the Bank is duly appointed under Adequate notice is given to all Directors to schedule the
Section 9 (3) of the Banking Companies {Acquisition & Board Meetings, agenda and detailed notes on agenda
Transfer of Undertaking} Act, 1970 (as amended) and, are sent in advance, and a system exists for seeking and
Nationalized Bank (Management & Miscellaneous Provision) obtaining further information and clarifications on the agenda
Scheme 1970 (as amended) and constituted with proper items before the meeting and for meaningful participation at
balance of Executive Directors, Non-Executive Directors, the meeting.
Independent Director and Shareholder Directors. However,
the appointment of woman director on the board of the In the wake of outbreak of Covid 19 pandemic and subject to
bank as required under clause 17 (1) (a) of the Securities relaxations issued by Ministry of Corporate Affairs and SEBI,
and Exchange Board of India (Listing Obligations and Board meetings and General meetings and other committee
Disclosure Requirements) Regulations, 2015 as amended, is meetings were conducted via video or audio-visual mode
not complied with during period under review. However, this and notices of all the meetings were sent through e-mail and
may be noted that Central Bank of India is not a company proper recordings are maintained for subsequent reference.
incorporated under Companies Act but it is a body corporate
constituted under Banking Companies (Acquisition and Decisions at the Meetings of the Board of Directors of the
Transfer of Undertakings) Act, 1970. The Bank is a public Bank and its Committees, including the resolutions approved
sector bank and Government of India is the promoter thereof. through circulations, were resolved unanimously. There were
Composition of the Board of Directors is guided under the no dissenting views by any member of the Board of Directors
abovesaid Banking Companies Act. All directors except one and its Committees during the period under review.
shareholder director, on the Board of the Bank are appointed/
nominated by Government of India and one shareholder I further report that there are adequate systems and process
director fulfilling the Fit and Proper criteria as prescribed by in the Bank commensurate with the size and operations of
RBI and Government of India, is elected by shareholders the bank to monitor and ensure compliance with applicable
other than the Central Government in terms of the Banking laws, rules, regulations and guidelines.
Companies Act. The changes in the composition of the
I further report that during the period the review, Bank had
Board of Directors that took place during the period under
following major specific events or actions which might have
review were carried out in compliance with the provisions of
bearing on the Bank’s in pursuance of the above referred
the Banking laws in consonance with SEBI (LODR).
laws, rules, regulations, guidelines, standards, etc:
The affairs of the Bank are managed / governed through the
1. The Bank in its Board meeting held on 30th March,
Board and its Committees as under.
2022 amended four codes/policies namely: Related
1) Management Committee Party Transaction Policy, Policy on Determination and
2) Audit Committee Disclosure of Materiality Events/ Information, Code of
Conduct for Prohibition of Insider Trading in terms of
3) Stakeholders Relationship Committee
SEBI (Prohibition of Insider Trading) Regulation, 2015
4) Nomination & Remuneration Committee and Dividend Distribution Policy.
5) HR Committee 2. The Capital Raising Committee in its meeting held on
6) Risk Management Committee 20th April 2021 approved the proposal for raising capital
funds upto ` 4800 crore by issuance and allotment
7) Special Committee for Monitoring of Large Value Frauds
of 280,53,76,972 equity shares of the face value of `
8) Customer Service Committee 10 each at the issue price of ` 17.11 per equity share
9) IT Strategy Committee including premium of ` 7.11 per equity share determined
as per SEBI ICDR Regulations, 2018 to President of India
10) Committee for Monitoring of Recovery (Government of India) on preferential basis, subject to
11) Capital Raising Committee the approval of Shareholders, Government of India.
12) Vigilance Committee 3. The Bank in its Extra Ordinary General Meeting held on
13) Review Committee for Declaring of Non-Co-op 18th May, 2021 passed special resolution to create, offer,
Borrowers issue and allot (including with provision for reservation
on firm allotment and/or competitive basis of such part
14) Committee of the Board to Review the Identification of of issue and for such categories of persons as may be
STRATEGY
Date of Redemption Nature of instrument Amount of redemption Purpose
(in `)
21.12.2021 Lower Tier II Bonds Series 500,00,00,000 (Principal As per clause of Information
XIV (ISIN: INE483A09245) Amount) Memorandum
46,65,00,000 (Interest
Amount)
6. Pursuant to Regulation 57(1) of the SEBI (Listing Obligation and Disclosure Requirement), 2015, as amended the Bank
made payment of principal and interest for the following non-convertible debt securities and intimated the stock exchange
on principal or interest or both becoming due.
NOTICE
No. Amount
1. Perpetual Bonds Series II (ISIN: INE483A09252) of 28.09.2021 ` 13,07,54,000/- NA
`139.10 crore at a coupon rate of 9.40% to the eligible
bondholders.
2. Basel III Compliant Tier II Bonds Series IV (ISIN: 30.09.2021 ` 49,00,00,000/- NA
INE483A08023) of ` 500.00 crore at a coupon rate of
9.80 % to the eligible bondholders.
3. Basel III Compliant Tier II Bonds Series I (ISIN: 08.11.2021 ` 99,00,00,000/- NA
INE483A09260) on exercise of call option.
REPORTS
4. Lower Tier II Bonds Series XIV (ISIN: INE483A09245) 21.12.2021 ` 46,65,00,000/- ` 500,00,00,000/-
5. Basel III Compliant Tier II Bonds Series II (ISIN: 07.03.2022 ` 42,98,19,178/- NA
INE483A09278) of ` 500.00 crore at a coupon rate of
8.62 % to the eligible bondholders.
6. Basel III Compliant Tier II Bonds Series V (ISIN : 21.03.2022 ` 46,00,00,000/- NA
INE483A08031) of ` 500.00 crore at a coupon rate of
9.20% to the eligible bondholders
7. Basel III Compliant Tier II Bonds Series III (ISIN: 29.03.2022 ` 54,00,00,000/- NA
INE483A09286) of ` 500.00 crore at a coupon rate of
10.80% to the eligible bondholders. FINANCIALS
To
The Members
Central Bank of India
Chandermukhi Building.,
9th Floor, Nariman Point,
Mumbai - 400 021.
My Secretarial Audit Report of even date is to be read along with this letter.
1. The Compliances of provisions of all laws, rules, regulations, standards applicable to Central Bank of India (the Bank)
is the responsibility of the Management of the Bank. My Examination was limited to the verification of records and
procedures on test check basis for the purpose of the issue of the Secretarial Audit Report.
2. Maintenance of the secretarial and other records of the applicable laws is the responsibility of the management of the
Bank. My responsibility is to issue Secretarial Audit Report, based on the audit of the relevant records maintained and
furnished to me by the Bank, along with the explanations where so required.
3. I have followed the audit practices and process 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. I believe that the process and practices I followed, provides reasonable basis for my opinion for
the purpose of issue of the Secretarial Audit Report.
4. I have not verified the correctness and appropriateness of Financial Records and Books of Accounts of the Bank.
5. Wherever required, I have obtained the Management representation about the Compliance of laws, rules and regulations
and happening of events etc.
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.
To
The Members
STRATEGY
Central Bank of India
Chandermukhi Building.,
9th Floor, Nariman Point,
Mumbai - 400 021.
I have examined the relevant registers, records, forms, returns and disclosures received from the Directors of Central
Bank of India having CIN (Not Applicable) and having its Registered office at Chandermukhi, Nariman Point, Mumbai –
400021 (hereinafter referred to as ‘the Bank’), produced before me 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 Securities and Exchange Board of India
(Listing Obligations and Disclosure Requirements) Regulations, 2015.
NOTICE
In my opinion and to the best of my information and according to the verifications including Directors Identification Number
(DIN) as considered necessary and explanations furnished to me by the Bank & its officers, I hereby certify that none of the
Directors on the Board of the Bank as stated below for the Financial Year ending on 31st March, 2022 have been debarred or
disqualified from being appointed or continuing as Directors of Bank by the Securities and Exchange Board of India, Ministry
of Corporate Affairs, Reserve Bank of India or any such statutory authority.
REPORTS
3 Alok Srivastava Executive Director 05123610 23-01-2019 -
4 Vivek Wahi Executive Director 07490023 10-03-2021 -
5 Rajeev Puri Executive Director 07330989 10-03-2021 -
6 Bhushan Kumar Sinha Non-Executive Director 08135512 14-05-2018 -
7 P J Thomas Non- Executive Independent Director * 28-09-2020 -
8 Mini Ipe Non- Executive Independent Director 07791184 01-07-2018 30-06-2021
9 Pradip Pranlal Khimani Non- Executive Independent Director * 21-12-2021 -
10 Dinesh Pangtey Non- Executive Independent Director 07517137 01-07-2021 -
Note: *Shri P J Thomas, Nominee Director of Bank, nominated by Reserve Bank of India and Shri Pradip Pranlal Khimani,
FINANCIALS
Independent Director, Nominated by Government of India are not holding any DIN (Director Identification Number), as there is
no mandatory requirement of DIN for Director appointed in Public Sector Banks.
Ensuring the eligibility of 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.
Shalini Pandey
Date: 18/05/2022 Proprietor
Place: Mumbai FCS: 10462; CP: 20576
To
The Members
Central Bank of India
Chandermukhi Building.,
9th Floor, Nariman Point,
Mumbai - 400 021.
1. I have examined:
(a) All the documents and records made available to us, and explanation provided by Central Bank of India (“the listed
entity”).
(b) the filings/ submissions made by the listed entity to the Stock Exchanges.
(c) website of the listed entity,
(d) any other document/ filing, as may be relevant, which has been relied upon to make this certification, for the year
ended 31st March 2022 (“Review Period”) in respect of compliance with the provisions of:
(a) the Securities and Exchange Board of India Act, 1992 (“SEBI Act”) and the Regulations, circulars, guidelines
issued thereunder; and
(b) the Securities Contracts (Regulation) Act, 1956 (“SCRA”), rules made thereunder and the Regulations, circulars,
guidelines issued thereunder by the Securities and Exchange Board of India (“SEBI”).
2. The specific Regulations, whose provisions and the circulars/ guidelines issued thereunder, have been examined, include:-
a) Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as
amended.
b) Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as
amended.
c) Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011, as
amended. (Not applicable during the year under review)
d) Securities and Exchange Board of India (Buyback of Securities) Regulations, 2018; (Not applicable during the
year under review)
e) Securities and Exchange Board of India (Share Based Employee Benefits and Sweat Equity) Regulations, 2021; (Not
applicable during the year under review)
f) Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021, as
amended; (Not applicable during the year under review)
g) Securities and Exchange Board of India (Prohibition of Insider Trading) Regulations, 2015, as amended;
h) Banking Regulation Act 1949 along with Notifications and Circulars issued by the Reserve Bank of India (RBI) and
Government of India (GOI) from time to time.
i) Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 and its amendments thereof.
j) Nationalised Banks (Management & Miscellaneous Provisions) Scheme, 1970
k) Central Bank of India (Shares and Meetings) Regulations, 1998
And based on my examination and verification of documents and records produced to me and according to the
information and explanation given by the Bank, I hereby report that: during the review period for the year ended 31st
March, 2022
STRATEGY
c) The following are the details of actions taken against the listed entity/ its promoters/ directors/ material subsidiaries
either by SEBI or by Stock Exchanges (including under the Standard Operating Procedures issued by SEBI through
various circulars) under the aforesaid Acts/ Regulations and circulars/ guidelines issued thereunder:
NOTICE
Shalini Pandey
Date: 18/05/2022 (Proprietor)
Place: Mumbai FCS: 10462; CP: 20576
REPORTS
FINANCIALS
y-o-y expansion of 7.8 per cent (5.1 per cent in April 2019). 31, 2022 from ₹ 1,45,667 crore in financial year ended
Manufacturing output recorded expansion of 6.3 per cent (2.5 March 31, 2021. Similarly, Current Deposits increased to
per cent in April 2019), while electricity generation expanded ₹ 16,515 crore in financial year ended March 31, 2022 from
by 11.8 per cent (6.0 per cent in April 2019), respectively. ₹ 16,259 crore in financial year ended March 31, 2021,
For financial year 2021-22, IIP expanded by 11.3 per cent registering a growth of 1.57%. The share of CASA Deposits
as compared to 8.4 per cent contraction during 2020-21 led to Total Deposits has increased to 50.58 % as of March 31,
by mining and manufacturing output. Both manufacturing 2022 as against 49.24% as of March 31, 2021. Core Term
and services PMI strengthened in April 2022 suggesting Deposits increased by 0.96 % and reached to the level of
resilience of economic recovery. ₹ 1,68,481 crore as of March 31, 2022 from ₹ 1,66,883 crore
STRATEGY
as of March 31, 2021
India’s overall exports (Merchandise and Services) touched
an all-time high of USD 669.6 Billion during 2021-22 growing Strategy And Progress of INDAS Implementation
by 34.5 per cent over 2020-21. India’s Services exports in the Bank
achieved the target of $250 Billion 2021-22, growth of 21.3
RBI vide its circular DBR.BP.BC. No.29/21.07.001/2018-19,
per cent over 2020-21.
dated March 22, 2019, stated that the legislative amendments
recommended by the RBI are under consideration of the
Banking Government of India and deferred the implementation of
As per the provisional data released by RBI, scheduled IndAS in Banks till further notice. However, as required by
commercial banks gross bank credit grew at 9.6 per cent RBI, Bank submits the Proforma IndAS Financials to RBI
on yearly basis in March 2022 compared to 4.6 per cent every half year from September 2021. RBI, vide their email
NOTICE
in March 2021. Banks have provided ample support to the dated 8th August, 21, has informed that the date of transition
industries in terms of low interest credit while also RBI kept for the Performa to be submitted starting from the half-year
the repo rate unchanged for a long time. While y-o-y credit ended September 21, is April 1, 2021.
growth to agriculture and allied activities reduced to 9.9
per cent in March 2022 from 10.5 per cent a year before, The Bank had engaged the services of an IndAS consultant
Industry and services sector credit deployment improved and constituted a Core IndAS Team and commenced the
significantly. Credit provided to industry and service sector by process of IndAS implementation. Vetting of the Performa
SCBs increased to 7.1 and 8.9 per cent respectively. Service IndAS Financials is done by the consultant every time before
sector that suffered the most due restrictions imposed during submission to RBI and placed before the Audit Committee of
pandemic has now picked up in activity and is expected to the Board for information.
REPORTS
perform even better in the CY22. Personal loan segment that
witnessed the y-o-y credit growth of 12.4 per cent has still New Initiatives
not reached the pre pandemic growth levels of 15 per cent » Training centres equipped to deliver “BRAND CENTRAL”
in March 2020.
» Staff Accountability Policy revisited to ensure transparency
Performance of the Bank’s Business » Implementation of CPAC-Pre-Disbursal Credit Review
As on March 31, 2022, the Total Business of the Bank was Mechanism
₹ 5,32,404 crore compared to ₹ 5,06,886 crore as on March » Special campaign ‘CENTRAL CONNECT’ to visit loyal
31, 2021. High Cost Deposits have been increased to ₹ 75 customers.
crore as on March 31, 2022, from ₹ 68 crore as on March » Revised Lending Powers and essential Policy changes to FINANCIALS
31, 2021. encourage fear-free lending
Operating Profit of the Bank stood at ₹ 5,742 crore for the » Co-Lending: New Business Vertical established for
financial year ended March 31, 2022 as compared to ₹ Augmentation of credit growth.
4,579 crore for the financial year ended March 31, 2021. » Launched dedicated mail ID i.e greenchannel@
The Bank posted Net Profit of ₹ 1,045 crore in financial year centralbank.co.in to Corporate Borrowers for sharing of
ended March 31, 2022 as against Net loss of ₹ 888 crore in information and quick redressal of issues.
financial year ended March 31, 2021.
» Bank website revamped with a complete new look.
Co-Lending
The Bank has created a new vertical of Emerging Business under a General Manager for increased focus on the growth of
advances under Retail, Agriculture & MSME (RAM) through Co-Lending, Pool Buyout and Trade Receivables Discounting of
MSME units under the TReDS platform.
Central Bank of India, during FY 2021-22, has entered into a co-lending partnership with Seven leading NBFC/HFCs of the
country for increased lending to Retail, MSME & Agriculture under Priority Sector in compliance with RBI guidelines. The
growth in advances during the year due to co-lending is as under:
(` in crore)
Segment Sanctions during 2021-22 Outstanding as on 31.03.2022
No. of accounts Amount No. of accounts Amt. O/S as on
sanctioned 31.03.2022
RETAIL 13351 1588.98 12319 1304.28
MSME 1013 198.63 948 195.00
Agriculture 5 1.68 5 0.93
Total 14369 1789.29 13272 1500.21
The growth in advances during the year due to Pool Buyout is as under:
(` in crore)
Segment Sanctions during 2021-22 Outstanding as on 31.03.2022
No. of accounts Amount No. of accounts Amt. O/S as on
sanctioned 31.03.2022
RETAIL 162188 1500.00 162184 1315.95
The performance highlights under TReDS as of 31.03.2022: Total Turnover achieved for FY 2021-22 is ` 1972.10 crore as
against FY 2020-21 turnover of ` 42.48 crore. Out of the Total turnover of ` 1972.10 crore turnover under the corporate
category is ` 887.45 crore & under the PSU category, it is ` 1084.65 crore. Total Outstanding of ` 484.34 crore as of
31.03.2022.
» Guidelines cum SOP for extending financial assistance to Risk Rating of loan accounts has been started through the
Project Proponents for Enhancement of Ethanol distillation. process of Dynamic Review of Rating.
» Revision in NBG guidelines and Takeover Norms for easing » The department ensures the submission of loan account
and garnering Fresh Loans. details to the Credit Information Companies & NeSL
(Information Utility) periodically
Credit Monitoring & Policy Department
In order to improve the quality of our Credit portfolio, a » Department is ensuring timely submission of various
separate vertical for Credit Monitoring & Policy headed regulatory returns / MIS pertaining to advances
by General Manager is functioning. Major activities being » The department is monitoring the registration of security
STRATEGY
undertaken by the department are enumerated below: interest with CERSAI
» The department is ensuring that the credit-related policies
Credit Monitoring Committee has been constituted at
are updated in line with the notifications made by RBI, the
various controlling offices and large branches, and it is being
Government of India, etc.
ensured that meetings of the committee are held periodically
to deliberate all matters pertaining to Credit Monitoring, » Submission of default report and main report of borrowal
including the following points: accounts to CRILC
» Template review of SMA 1&2 accounts of above ₹ 5 core
» Evaluation of exercise of delegated lending powers at and up to ₹ 25 crore to guide the branches for initiating
various levels during the month proper and timely actions in defaulted accounts
» Root-cause analysis of SMA accounts » Credit Processing and Approval Centre (CPAC) has been
NOTICE
» Status of coverage & closure under Loan Review established in all 90 Regional Offices with the objective
Mechanism of empowering Branches in taking Credit decisions and,
providing comfort to the branches and facilitating a single
» Status of conduct of Stock-Audit in borrowed accounts
point verification of all Pre-Disbursal activities commencing
» Status of review renewal of accounts from appraisal & sanction and documentation including
» Status of conduct of Periodical inspection of Securities security creation, compliance of other terms and
conditions etc. CPAC will act as a fulcrum, and all the
» Status of Perfection of Securities
branches are connected to the CPAC within their Region.
Verification of Early Warning Signals (EWS) of borrowal
» Creation of War Room at Central Office with dedicated
accounts generated from the dedicated Portal to identify the
staff personnel has helped in the follow-up of all SMA
REPORTS
sickness/criticalities of the account even before the financial
accounts with exposure up to ₹ 1.00 crore and also
default for early resolution. These include:
curtailing slippages.
(` in crore)
Sl. Particulars Mar-19 Mar-20 Mar-21 Mar-22 Growth (%)
No.
1 Priority Sector Advance 83201 79987.91 88222.47 93886.50 6.42%
Percentage achievement of ANBC 47.22% 45.07% 51.96% 44.08%
2 Total Agriculture Advance 35655 34419.4 36206.99 38635.40 6.71%
Percentage achievement of ANBC 20.24% 19.54% 21.32 19.79%
3 MSME 31036 29250.15 32356.43 34138.55 5.51%
4 Education Loan 2522 2341.42 2724.77 2485.20 -8.79%
5 Housing Loan (up to ` 25 Lakh) 13956 13939.37 16744.07 18503.23 10.51%
6 Other Priority Sector 20 17.51 24.77 13.14 -46.95%
7 Renewal Energy 0 0 2.35 2.25 -4.26%
8 Social Infrastructure 8 7.22 153.15 104.40 -31.83%
9 Export Credit 5 12.84 9.93 4.33 -56.39%
The Credit deployment under the priority sector increased to ₹ 93886.50 crore during 2021-22, recording an increase of
₹ 5664.03 crore over the previous year. However, to take advantage of excessive lending over ANBC in Priority Sector credit,
Bank undertook sale transactions in PSLCs. During the year Bank sold PSLCs worth ₹ 15528.00 crores under Priority Sector
(10500 crores under General PS, 5028 crores under Small and Marginal Farmers). There is outstanding RIDF to the tune of
₹ 2671.54 crores under Priority Sector, of which ₹ 2092.97 crores under Agriculture as of 31.03.2022.
( ₹ in crore)
93886.5
100000 88222.47
90000 82771 82835 83201 79987.91
78289
80000 75997
68652
70000
60000 51259
50000
40259
40000
30000
20000
10000
0
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
Agriculture
During the year under review, total Agriculture credit increased by ₹ 2428.41 crores from the level of ₹ 36206.99 crores as of
March 31, 2021, to ₹ 38635.40 crores as of March 31 2022. The net per cent of agriculture credit to adjusted net bank credit
(ANBC) is 19.79% against the stipulated target of 18% achieved.
( ₹ in crore)
45000 38635
35957 36760 37537
35387 35655 36207
40000 34192 34419
35000
30000 24658
STRATEGY
25000
18848
20000
15000
10000
500
0
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
Following are the details of the main products offered by the Bank in the agriculture and rural development segment:
NOTICE
Sl. Scheme Name Description
No.
1 Cent Kisan Credit Card Single window Credit for Short Term Expenses cultivation of crops/Post-Harvest
Expenses/Marketing of produce/consumption requirement/ Working capital for
maintenance of farm assets & activities allied to agriculture/investment credit
requirement for Agriculture & allied activities.
2 Cent Agri Gold Loan Quick Finance crop production and investment credit in agriculture & allied
activities against pledge of gold ornaments & gold coins issued by our bank.
3 Cent SHG Bank Linkage Lending to SHGs —revolving Cash Credit/Term Loan.
REPORTS
4 DAY-NRLM The scheme was launched by MoRD for financing Women SHGs under Mission
Mode.
5 Cent AMI (Agriculture Marketing Finance for creation of marketing infrastructure with the latest technology,
Infrastructure) Scheme facilities for grading, standardization, quality certification, creation of scientific
storage facility for effectively managing marketable surplus of Agri & allied
sector.
6 Cent Poly House, Green House, Financial assistance for undertaking protecting farming of high quality
Shade-Net House commercial Horticulture crops.
7 Cent Dairy Establishment of Dairy Units for milk production.
8 Cent Agri Clinic /Agri-Business Financial assistance for setting up Agri. Clinics & Agri. Business Centres by
FINANCIALS
candidates who have required qualifications & trends as per the scheme.
9 Cent Farm Machinery Financing to tractors trailers & other Agri. Implements.
10 Cent Kisan Sathi To help in-debted farmers to reduce their outstanding dues payable to money-
lenders, brokers etc.
11 Cent Scheduled Tribe Financial assistance to weaker sections under Scheduled Tribe.
12 Cent Poultry Finance for Establishment & running of Poultry Farm units.
13 Cent Fishery Finance for Traditional & commercial fishing activity
14 Cent Agri Infra To provide a medium — long term debt finance facility for Investment in
projects for post-harvest management
15 Cent Solar —PM KUSUM Scheme To provide finance to Farmers/FPO/Co-operative of farmers for setting up
Decentralized Ground/ Stilt Mounted Grid-connected Solar or other Renewable
energy-based Power Plants of capacity SOOKW to 2 MW
16 Cent VISVAS To provide finance at a lower rate of interest to (i) Individual SC/OBC beneficiaries
up to ₹ 2.00 Lac (ii) SHGs of SC/OBC beneficiaries up to ₹ 4.00 Lacs
Following are the details of New Agriculture Products Introduced during FY 2021-22:
Special Credit Campaigns taken to accelerate the flow of credit to the Agriculture sector:
» All Rural and Semi-urban branches have organized a minimum of one Mega Credit Camp each month to canvass and
sanction new Agricultural loans.
» All Rural and Semi-Urban branches have organized special Credit Camps for SHGs Bank Linkage.
» Bank ensured crop Insurance coverage to eligible Loanee farmers under “Pradhan Mantri Fasal Bima Yojana” (PMFBY) and
canvassed non-loanee farmers for coverage of crop insurance.
» During the financial year, your Bank has given thrust on Investment credit under Agriculture. Bank has focused on extending
credit to small & marginal farmers.
» All Rural/Semi-Urban Branches organised village level weekly Camps to create awareness among farmers for improving
credit flow as well as coverage under Social Security Schemes to the Farmers.
FINANCIAL INCLUSION (FI)
Bank has covered 24311 villages by deploying 10299 BC agents, and we have opened 884 Urban Financial Inclusion centres also.
600 524.00
563.35
508.00
500 437.00
400
318.00
300
194.94
200
135.04
Transactions in FI Accounts opened through BCs have increased from 524.00 lakhs in FY 2020-21 to 563.35 lakhs in FY
2021-22. (YoY growth of 7.51 %).
Business through BC (in crore)
( ₹ in crore)
3285.77
3500.00
3000.00 2715.00
2500.00
STRATEGY
2088.33
2000.00
1573.47
1500.00
1003.94
1000.00
579.86
500.00 283.65
5.65 24.67 74.99 132.11
0.00
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
NOTICE
Business through BCs increased from ₹ 2715.00 crore on 31 March 2021 to ₹ 3285.77 crore on 31 March 2022. (YoY growth
of 21.02%).
( ₹ in lakhs)
160.00 150.09
145.00
140.00 126.00
117.00
REPORTS
120.00
99.89
100.00 84.88
71.19
80.00
62.72
60.00 51.11
37.32
40.00 30.92
20.00
0.00
FINANCIALS
2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
No. of accounts opened through BCs increased from 145.00 lakhs on 31 March 2021 to 150.09 lakhs as of 31 March 2022. st
Total enrollment under Social Security Schemes as of 31.03.2022 with a growth achieved over 31.03.2021 is as under:
Out of 12946 death claims received under PMJJBY, 12690 benefits to uplift their economic status and standard of living.
claims are settled and out of 3403 death claims received Besides, we provide literacy material, kits, books etc., while
under PMSBY, 2963. claims are settled, and other claims are extending counselling to visiting villages.
rejected/under consideration with insurance companies.
Rural Self Employment Training Institutes (RSETIs)
Performance under Lead Bank There are 46 RSETIs in 9 States of the country, viz. Madhya
We have the Lead Bank responsibility in 51 districts Pradesh(18), Bihar(9), Maharashtra(6), Uttar Pradesh(5),
spreading in seven States, viz. Madhya Pradesh (18), Bihar West Bengal(3), Chhattisgarh(2), Rajasthan(1), Orissa(1)
(10), Maharashtra (7), Uttar Pradesh (5), West Bengal (4), and Assam(1). During the year 2021-22, the RSETIs
Chhattisgarh (4) and Rajasthan (3). More than 50% of the conducted 578 training programmes and imparted training
total business and about 25% of our total branches are to 12678 candidates. Out of this, 8874 (i.e.70%) trainees
located in these States and Lead Districts, respectively. were settled through bank credit, wage settlement and self-
For effective implementation of the Lead Bank Scheme, finance. Credit linkage of settled candidates achieved 7888,
the Office of Lead District Managers has been sufficiently i.e.62%.
equipped and empowered with the right kind of staffing
supplement and infrastructure like independent/good Other Initiatives
premises, vehicles, computers/laptops & printers, telephone, Our bank has established one Society/Trust in the name of
internet connections, e-mail id, mobile. “Central Bank of India Samajik Utthan Avam Prashikshan
Sansthan (CBI-SUAPS)” to control & supervise the operations
To make the public/masses aware of various products of and functioning of RSETIs and FLCCs. We have also formed
banks, we have displayed some products relating to Kisan Governing Council at Apex Level with MD & CEO as Patron,
Credit Card, Central Artisan Credit Card, Swabhiman / Executive Director as President and General Managers as
Aadhar etc., relevant to the rural masses on the vehicle members for overall control and supervision of the affairs &
provided to LDMs. All developmental activities like the functions of RSETIs and FLCCs.
complete implementation of Financial Literacy / Financial
Inclusion Programmes, Training unemployed rural youth in MSME Department
RSETIs, Formation of SHG/Farmers Club/JLG, and Lending
activities have been implemented to bring complete socio- Active products of the MSME business
economic change. 1 Cent Business
2 Cent Mortgage
Financial Literacy and Credit Counseling Centre 3 Cent Contractor
(FLCC) 4 Cent MUDRA
We have opened 48 FLCCs in 7 States, viz. Madhya Pradesh 5 General MSME (IBA format)
(18), Bihar(10), Maharashtra (7), Uttar Pradesh (5), West 6 Cent Trade
Bengal (3), Rajasthan (3) and Chhattisgarh (2) and 4 FLCCs 7 Stand Up India
at block level in the state of Kerala and 5 FLCCs at block 8 Cent WHR
level in the Darbhanga District of Bihar. We have opened 9 NULM
85 CFLs in 6 states, viz. Bihar (28), Madhya Pradesh (27), 10 Cent Weaver Mudra
Uttar Pradesh (12), Chhattisgarh (9), West Bengal (5),
11 PM Svanidhi
and Rajasthan (4). Both mass campaigning and individual
12 Cent Construction Equipment Finance
counselling are being carried out.
13 Cent Trade Scheme To Commission Agent/Arthias
Bank has provided them with vehicles fitted with Public 14 Cent Business Gold Loan Scheme
Address System and LCD for displaying various products/ 15 Cent Shop
schemes being launched by banks for bringing awareness 16 SRTO ( Transport Operator )
among the masses and opportunities to them for availing 17 Cent Kalyani
STRATEGY
» Cent – Professional
27 Loan Guarantee Scheme For Covid Affected Sector
28 Central Laghu Udhyami Credit Card » Cent Gati Dhara (for State of West Bengal)
29 Cent Custom Hiring Centre (M.P) » Cent Returned NRI Business Loan Scheme for financing
30 Credit Enhancement Guarantee Scheme For returned Non- Resident Indians in Kerala State
Scheduled Castes
» Cent GST Input Tax Credit.
31 Cent Sanjeevani
32 Cent Shop Kota » Cent Doctor
33 Indira Gandhi Shahari Credit Card Yojana - Rajasthan » Cent Dentist
34 Mukhya Mantri Swarozgar Yojana (M.P Only) » Cent Saral Business
35 Mukhya Mantri Yuva Udhyami Yojna ( M.P Only)
» Cent Vyapari
NOTICE
36 Mukhya Mantri Krishak Udhyami Yojna ( M.P Only)
37 Cent TReDS » Cent Covid-19 Sahayata
MSME Performance
(₹ in crore)
Particulars 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 Y-o-Y% Y-o-Y%
(audited) (audited) (audited) (audited) without with growth growth
without with without with PSLC PSLC without with
PSLC PSLC PSLC PSLC PSLC PSLC
MICRO Enterprises 10597 13733 14109 14109 16980 16980 20.35% 20.35%
REPORTS
MSE 26717 29853 29963 29963 31379 31379 4.73% 4.73%
MSME (PS) 30233 33369 32845 32845 34433 34433 4.83% 4.83%
TOTAL MSME 30233 33369 32845 32845 34433 34433 4.83% 4.83%
(₹ in crore)
Particulars 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 Y-o-Y% Y-o-Y%
(audited) (audited) (audited) (audited) without with growth growth
without with without with PSLC PSLC without with
PSLC PSLC PSLC PSLC PSLC PSLC
% OF MSME ADVANCE TO TOTAL 17.55% 19.37% 18.27% 18.56% 19.46% 19.46% 4.83% 4.83%
ADVANCE FINANCIALS
RBI MANDATES (PRIME MINISTER 31.03.2020 (audited) 31.03.2021 (audited) 31.03.2022 (audited) TARGET MAR-22
TASK FORCE)
No. of Accounts in Micro Ent. 878407 925742 867652 1018316
% Y-O-Y Growth in Number of 8.04% 5.38% -6.27% 10%
Accounts under Micro Enterprises
(₹ in crore)
RBI MANDATES 31.03.2020 31.03.2020 31.03.2021 31.03.2021 31.03.2022 31.03.2022 TARGET
(PRIME MINISTER TASK FORCE) (audited) (audited) (audited) (audited) (audited) (audited) MAR-22
without with without with Without With PSLC
PSLC PSLC PSLC PSLC PSLC
MSE Portfolio (Amt.) 26717 29853 29963 29963 31379 31379 NA
% Y-O-Y Credit Growth under MSE -5.51% -12.62% 12.14% 0.36% 4.72% 4.72% 20%
% of Micro Credit to
MSE Credit 37.48% 40.20% 52.80% 47.26% 54.11% 54.11% 60%
INDICATORS DETAILS
PERFORMANCE » % of Microcredit to MSE is 54.11% without PSLC
HIGHLIGHTS » Bank achieved Y-o-Y growth under Micro is 20.34%
» Under PMMY, our Bank’s achievement is 109.59% of the target given by DFS, M.O.F,
Govt. of India. As against the target of ₹ 4400 crore, our Bank could achieve ₹ 4822.33
crore under fresh sanction as of Mar-2022
INITIATIVES » Resolution framework 2.0 was launched
» ECLGS extension schemes were implemented
» Cent Sanjeevani scheme for the health care sector was launched
» Cent Healthcare scheme, Cent Jeevak, Cent Pragati, Co-Lending, Cent Vehicle
Business, Mukhyamantri Udyam Kranti Yojana, Indira Gandhi Shahari Credit Card
Yojana for Rajasthan, and Cent Shop Kota were launched
» Tie–up with NBFCs for financing under Co-Lending
WAY FORWARD » To Achieve this target, our thrust is on extending finance under MUDRA Scheme, Stand
Up India Scheme, loans under KVIC/PMEGP Schemes, and Cent Weaver Mudra Scheme
» Cluster-based finance through customized products
» Aggressive follow up for upgrading the SMA-2 Accounts as well as for restructuring all
Eligible accounts as per RBI guidelines is being done
» Fintech activities will be strengthened by adopting digital documents and by introducing
technology-enabled products providing end to end solutions for Microcredit
Retail Credit Besides this, the Bank has maintained the legacy of
The retail lending landscape in India has evolved in the commitments towards the social responsibilities started long
recent past to become the most attractive lending option, back by launching the first small saving Bank product, “Home
transforming from the brick and motor concept of Retail Saving Safe Deposit Accounts”, for the common man to
lending to every innovative lending through the fintech space. various initiatives taken recently as a women empowerment
measures which include, launching of special products
Coupled with the rising income and the desire to have the best
like Cent Grih Lakshmi (Home Loan) with very attractive
of the world, has also led to a year-on-year retail lending boon
features like concession in Interest Rates & waiver of last few
in India. However, that has instigated a cutthroat competition
instalments and Cent Vahini Vehicle Loan with concessional
among the lenders as every lender wishes to have the lion’s
interest rate and launching Cent Go-Green Vehicle loan as
share in the available Retail Lending Environment. The
a green initiative to finance e-vehicle at concessional Rate
success in retail lending of any bank, however, depends
of Interest.
on the differentiator each bank adopts in the retail lending
journey. This apart, the success of each bank will also To fuel retail credit growth, the department has taken various
depend on retail product, Turn Around Time (TAT), customer initiatives during FY 2021-22, which inter-alia include:
servicing satisfaction and also cross-sell and upsell of retail » Introduced Pre-Disbursement Review mechanism through
products. Centralized Processing & Approval Centres (CPAC) to
The bank is continuously in the process of R&D to fine-tune encourage lending decisions without any fear with a
the existing Retail Products as per the needs of the targeted proper check on credit quality.
customers and to bring down the TAT not only to enhance » Standardization & Automation of Credit Processing and
customer satisfaction but to take it to the next level, i.e. sanction through the adoption of the Lendsafe platform
customer delight. with 360° appraisal.
» Increased lending power of BMs under various schemes marketing Executives (Vehicle).
to reduce the Turn Around Time. » Increased Tie-up with Builders / Colonizers with RERA
» Launching special campaigns on special occasions, viz. approved Projects
Retail Monsoon Jackpot, Retail Festive Bonanza campaign » Reviewed various Retail Lending Schemes to make them
with attractive offers such as full waiver of Processing more convenient, competitive and customer friendly.
Charges.
» With the revised guidelines on Co-Lending Arrangements
» Addition & sourcing channels for leads generation through circulated on 05.11.2020 by RBI wherein HFCs were made
launching SMS & Missed Call functionality, implementing eligible for Co-origination and the Model was rechristened
a composite DSA policy for Retail & MSME loans.
STRATEGY
as Co-Lending Model, Bank entered into a co-lending
» Strengthened existing sourcing channels through arrangement with 02 NBFC, namely IBHFL (Indiabulls
empanelment of more DSAs / Marketing Executives Home Finance Ltd.) & IIFL (India Infoline Finance Ltd.) and
(Vehicle) and reviewed the commissions payable to started Co-lending.
NOTICE
140000
120000
100000
80000
60000
40000
REPORTS
20000 Retail Credit (personal Loan Segment)
0 Total Credit
31.03.21 31.03.22
50000
45000
FINANCIALS
40000
35000
25000
20000
15000
10000
5000
0
FY 2020-21 FY 2021-22
Amt in Cr
Vehicle
Housing
6.41%
56.74%
Mortgage
8.49%
Loans to
Pensioner
Other ` 1160 Cr.
Schemes (40%)
0.80% Retail Loans
` 46965 Crore Personal
Loan 6.10 %
Loan against
liquid
securities
Other P- Loans to
` 2001 Cr.
others
(39%) Segment ` 1705 Cr.
10.93% Personal Gold (60%)
Staff Education Loan
Loans Loan 3.61%
` 3133 Cr. 7.31%
(61%)
Way Forward for Retail Credit » Tie up with Fintech companies: The Bank will initiate an
It is anticipated that Retail advances will grow in a similar end to end integration with fintech companies, a step in
trend as in FY 2021-22. Department analysed the gap leading the direction of lending in Retail Assets through the digital
to subdued retail growth in FY 2021-22 and addressed the platform. In this line, Bank is in the process of entering
same to facilitate the growth in this FY 2022-23. Accordingly, an MOU with one of the leading fintech companies in the
the following steps have been initiated not only to provide a four-wheeler segment for lending to end-users of four-
level playing field to our field functionaries but also to ensure wheelers.
that the growth of the Retail Loan Portfolio of our bank is in » The Bank is also aggressively marching for tie-up for
with the growth of the Retail Loan Portfolio of other banks. customized Retail Asset products with various State
Government / Central Government departments/
» Revised Housing Loan Product: - The housing loan Institutions/etc. For lending to the employees of these
product has been revisited, and amendments have been Institutions.
made in line with the peer banks to make the scheme
» The Bank will leverage its existing relationship with
more attractive.
customers/corporate clients for cross-selling and upselling
» Other Retail Products have been revamped with attractive of Retail Asset products.
features and ROI.
» The Bank undertook a data-mining exercise for cross-
» DSA Channel will be aggressively utilized as an additional selling and upsell of Retail Asset products to its existing
platform for the canvassing of business. This apart, Bank clients
will embark upon tie-up with reputed builders for the
» The Bank is ensuring the availability of our bank in digital
housing loan in the upcoming projects.
portals
» The Bank will also enter into MOU with major four-wheeler
» Tie-up with Reputed Builders: The Bank is in the process
car manufacturing for lending in the four-wheeler segment.
of having a Tie-up with major reputed builders pan India.
Bank has already entered MOU with M/s Maruti Suzuki Ltd
in this direction and is in an advanced stage of entering » Data Analytics: The bank is already generating leads
MOU with leading car manufacturing companies. through data analytics of the existing customer base and
will explore more avenues in Data Analytics.
» Tie-up with Central & State Govt. Departments: The Bank Risk Management
will be aggressively pushing for a retail loan tie-up with
Central and State Government officials to offer customized
Risk Management System & Organizational Set-Up
products and a bouquet of services under a package. Risk Management systems are now well established in the
Bank. The Risk Management Committee of the Board of
International Division Directors regularly oversees the Bank’s Risk Management
Foreign Exchange Business of the Bank is carried out through policies/practices under Credit, Market and Operational
62 Authorized Dealer (‘B’ category) Branches spread across risks & Pillar II risks. The Committee reviews the policies
the country. For operational efficiency, Bank has a centralized and procedures for pricing of products and assesses the risk
Dealing room in Mumbai for the attainment of better funds models so as to remain in sync with the market developments,
and also identifies and controls new risks. The committee also
STRATEGY
management and operational convenience.
regularly monitors compliance with various risk parameters
As of 31.03.2022, the Export Credit portfolio of the Bank is by the concerned departments at the corporate level.
₹ 4389 crore in comparison to ₹ 4446 crore as of 31.03.2021,
a decrease of 1.28% over the previous year. Merchant trade Risk Management Structure
foreign exchange turnover was ₹ 34715 crore in FY 2021- At the operational level, various Committees like Asset
22 as against ₹ 27377 crore in FY 2020-21, an increase of Liability Management Committee (ALCO) for Market Risk,
26.80% over the previous year. Credit Risk Management Committee (CRMC) for Credit
Risk and Operational Risk Management Committee (ORMC)
NRE Deposits increased from ₹ 5416 crore as of 31.03.2021 for Operational Risk have been constituted comprising of
to ₹ 5448 crore as of 31.03.2022, an increase of 0.59% members from the top management team. These Committees
over the previous year. FCNR Deposits decreased from USD meet at regular intervals throughout the year to assess and
230.54 million as of 31.03.2021 to USD 226.24 million as
NOTICE
monitor the level of risk under various Bank operations and
of 31.03.2022, a decrease of 1.86% over the previous year. initiate appropriate mitigation measures wherever necessary.
Treasury, Funds and Investment The Bank has identified officers in the rank of Chief Manager/
Senior Managers/Managers to act as ‘Risk Managers’ at all
The investment portfolio of the Bank has decreased to
the Regional/Zonal Offices. The Risk Managers act as the
₹ 146759 crore (Including Non-SLR, Non-Transferable Govt.
‘Extended Arms’ of the Risk Management Department of the
of India Recapitalization bond of ₹ 19580 crore) as of 31st
Central Office at the Zonal Level. The Bank has also identified
March 2022 as against ₹ 153820 crore as on 31st March
officers at the senior level in various functional departments
2021, thereby recording a decrease of 4.59% over the
of the Central Office to act as ‘Nodal Officers’ to look into
previous year. The ten-year benchmark yield closed at 6.84%
various aspects of control & management of risk in the Bank.
as of 31st March 2022 vis a vis 6.18% as on 31st March 2021.
Bank has a well-documented Integrated Risk Management
REPORTS
Policy.
During the year, RBI has kept the policy rates unchanged,
keeping the repo rate at 4%. The Bank Rate and Marginal
Market Risk Management
Standing Facility also remain unchanged at 4.25%.
The Mid Office reviews the market position and funding
Treasury recorded a trading profit of ₹ 491.00 crore in FY patterns and ensures compliance in terms of exposure,
2021-22 as compared to the previous year’s trading profit of duration, counterparty limits and various sensitive parameters
₹ 1380.63 crore. The yield on investment (excluding trading and the reports are presented at regular intervals to the top
profit) decreased from 6.63% during 2020-21 to 6.27% management.
during 2021-22.
The tools such as VaR and Duration gap analysis are used on
In compliance with the Reserve Bank of India guidelines on an ongoing basis to measure and manage the risk to Bank’s FINANCIALS
shifting of securities, the Bank has transferred Central and Profit in the short run and equity value in the long run. A
State Govt securities amounting to ₹ 5702 crore from AFS model to estimate Capital charge on trading portfolio on an
to HTM and ₹ 6156 crore from HTM to AFS during 2021-22. ongoing basis is developed and is implemented as per the
Basel III guidelines for Market Risk.
The composition of the investment portfolio of the Bank as of
31st March 2022 is as under: The Bank has board approved Market Risk Management
Policy to monitor the market risk in the portfolio. Counterparty
limits for Treasury operations have been fixed/reviewed on an
(₹ in crore) ongoing basis. The developments in market risk are being
S. Composition 31.03.2022 31.03.2021 reported and monitored by the Asset & Liability Committee,
No headed by the MD & CEO.
1 SLR 105841.66 110414.28
Credit Risk Management
2 Non-SLR 40917.60 43405.78
The Bank has in place the Rating Model for rating borrowers
TOTAL 146759.26 153820.06 under different models, viz. Large Corporate Model,
Infrastructure Model, NBFC, SME, Agriculture etc. The Bank Maximization. ALCO (Asset & Liability Committee) meets
has also developed Rating Models (scorecards) for grading regularly & during 2021-to 2022 met 19 times to review the
retail loans, and the same is in use. The developments in position of the Bank with regard to liquidity and other market-
credit risk management are being reported and monitored by related matters.
the Credit Risk Management Committee headed by the MD &
CEO. The Bank has completed implementation of advanced Besides regulatory reporting, ALM is also engaged in Interest
approaches of capital computation using SAS solution. determination on Deposits as well as Base rate, MCLR, RBLR
and EBLR fixation. During the year 2021-22, a revision was
Operational Risk Management made six (6) times in deposit interest rates, the Base rate was
The Operational Risk Management in the Bank is guided reviewed four (04) times, RBLR & EBLR was reviewed six (6)
by Board approved Operational Risk Management Policy. times, and MCLR was reviewed twelve (12) times.
The Policy has put in place comprehensive operational risk
management and measurement framework commensurate In terms of RBI guidelines, Bank has been calculating LCR
to the Bank’s risk profile and risk appetite. (Liquidity Coverage Ratio) & the ratio remained above the
threshold limit (i.e. 100% for 2021-22) fixed by RBI. The Bank
The operational Risk Management Committee (ORMC) had adequate liquidity with an average LCR for FY 2021-22
ensures that the appropriate Operational Risk Management at 360.81%. The Bank is also calculating NSFR (Net Stable
Framework is in place and is monitored on a regular basis. Funding Ratio) effective from 1st October 2021 & the ratio
ORMC also Reviews and approves the development and remained above the threshold limit (i.e. 100% for FY 2021-22)
implementation of operational risk methodologies and tools, fixed by RBI. Currently, NSFR as of 31st March is 168.67%.
including risk identification, assessment and reporting
methods. Analysis of frauds, near-miss events, non- The developments in managing the liquidity and Interest rate
compliance events, breaches, and systemic improvements risk of the Bank are being reported and monitored by the
indicating suitable controls/mitigations for managing Asset & Liability Committee, headed by the MD & CEO.
operational risk are also presented to the Committee.
Implementation of Basel III guidelines
A New Product Approval Policy Framework is in place, which
Reserve Bank of India issued an updated master circular on
guides the Bank in mitigating the risks associated with new
products/processes or activities. the implementation of the New Capital Adequacy Framework
in July 2015. As per the guidelines, the Bank has adopted
The Bank is having Business Continuity Plan, which lays down Basel III norms and provided capital as per the Standardized
the framework for the Bank to continue delivery of products and Approach for Credit Risk, Basic Indicator Approach for
servces, within acceptable time frames at predefined capacity Operational Risk and Standardized Duration method for
during the disruption of regular operations, which also guides Market Risk.
the operating procedure to respond to disruption and resume,
recover and restore the delivery of products and services All necessary policies such as Credit Risk Management
consistent with business continuity objectives of the Bank. Policy, Operational Risk Management policy, Market Risk
Management Policy, Credit Risk Mitigation, Collateral
The Bank has put in place a system for the collection of Loss Management Policy, Asset and Liability Management Policy,
Event Data and near-miss events in the IMM module (Incident Model Risk Policy, Model Validation Policy, Credit Review
Management Module) under Integrated Risk Management Policy, Intragroup Transactions and Exposures Policy,
Solution (IRMS) for Operational Risk. The developments Integrated Risk Management Policy, BCP Policy, ICAAP duly
in operational risk management are being reported and approved by the Board are in place.
monitored by the Operational Risk Management Committee
headed by the MD & CEO. SAM and Recovery Department
The Bank has a well-defined Recovery Policy containing
Capital Planning
detailed guidelines for NPA Management. It encompasses
Bank has a robust ICAAP (Internal Capital Adequacy all areas of NPA Management, Monitoring and Follow-
Assessment Process) policy in place. The Bank has framed up measures, Compromise settlements, SARFAESI Act,
its risk appetite framework and intends to maintain capital Appointment of Enforcement Agencies, Sale of Assets to
ratios over and above the minimum requirements as per ARCs under Swiss Challenge Method, Wilful Defaulters, etc.
Basel III norms. Review of the capital vis a vis the estimates
are undertaken on a quarterly basis. The Policy is reviewed from time to time to incorporate the
latest changes/developments in the economy and trends
Asset & Liability Management (ALM) Systems
in NPA Resolution/Management. The Bank has launched
ALM mainly deals with measuring and managing the liquidity Recovery Campaigns during the financial year.
and Interest rate risk of the Bank with the objective of profit
During the year 2021-22, Cash Recovery of ₹ 3266 crore and Bancassurance
Up-gradation of ₹ 1337 crore are made in NPA accounts.
Bancassurance Cell deals with the distribution of life, Non-life
and Health Insurance products and receives a commission.
» Gross NPA level has decreased from ₹ 29277 crore to
Our bank is holding a corporate agency license from IRDAI
₹ 28156 crore, i.e. reduced by ₹ 1121 crore.
for a long period of three years and is valid up to 31.03.2025.
» Net NPA level has decreased from ₹ 9036 crore to ₹ 6675
crore, i.e. reduced by ₹ 2361 crore. Bank under new IRDAI regulations 2015 called “open
» Gross NPA vis-à-vis total advances have decreased architecture” has tied up with following multi-insurance
from16.55% to 14.84% (171 bps). companies, in all three segments “Life, Non-life and Health.”
STRATEGY
» Net NPA vis-à-vis net advances have decreased from
Sr. Name of the Insurance Category
5.77% to 3.97% (180 bps).
No. Company
» Cash Recovery of ₹ 351 crore is made in Written off
1 Life Insurance Corporation of India Life Insurance
accounts.
2 TATA AIA Life Insurance Co. Ltd. Life Insurance
Following One Time Settlement (OTS) Schemes were
3 The New India Assurance Co. Ltd. Non-Life Insurance
implemented for NPA resolution:
4 Bajaj Allianz General Insurance Non-Life Insurance
» Non-Discretionary/Non-Discriminatory (NDND) Special Co.Ltd.
OTS Scheme 2021-22 for NPA accounts & PWO/TWO
accounts as of 31.03.2021 having Customer Exposure The performance highlights for the year ended on 31.03.2022:
NOTICE
(O/s CIF wise) up to ₹ 10.00 crore,
» Bank has canvassed 97299 policies with a Commission of
» OTS Scheme under Net Present value (NPV) Approach for ₹ 63.75 crore in Life Insurance Business.
all NPA accounts either with security or without security.
» Under Non-Life business, Bank has canvassed 239907
OTS Proposals with ledger outstanding of ₹ 2419 crore were policies with the Commission of ₹ 10.61 crore.
settled for ₹ 1578 crore under these Schemes during FY » Total earnings from Bancassurance business is ₹ 74.36
2021-22. crores.
During the year, the Bank sold 1 NPA A/c to ARC under the » Bank has 1974 Specified Persons to source Bancassurance
Swiss Challenge Method on a 100% Cash Basis with a Cash Business.
Recovery of ₹ 13 crore, thereby resulting in a reduction in
REPORTS
NPA to the extent of ₹ 42 crore.
Depository Services
The Bank is a Depository Participant with an arrangement with
ICA was signed in accounts with banking exposure of ₹ 1500 Central Depository Services Ltd (CDSL). All the operations
crore and above in terms of RBI guidelines of circular dated are centralized, and the services are offered through our
07.06.2019. Nodal Branch, Capital Market Services Branch, located
at Fort Mumbai. The branches in major centres facilitate
No of The amount outstanding Total Provision
the opening of the accounts, buying and selling, pledge of
accounts as on 31.03.2022 held
Shares and dematerialization of physical securities. The bank
20 ₹ 7609.46 crore ₹ 5583.90 crore has 28899 Demat Account Holders.
Resolution Plans approved and implemented in accounts in FINANCIALS
Capital Market Services Branch was opened in Mumbai
compliance with RBI circular dated 07.06.2019.
exclusively for offering capital market facilities such as
No of Amount outstanding as Total Provision ASBA, Demat, Clearing Bank, Payment of Dividend Warrants
accounts on 31.03.2022 held and Credit/Guarantee facilities to Brokers etc., and is the
7 ₹ 2457.99 crore ₹ 936.87 crore controlling branch for Demat and ASBA.
Recovery in NPA accounts was a major thrust area for the year Online Demat account opening facility was started with
2021-22. The movement of NPA is being monitored closely arrangement with Central Depository Services Ltd (CDSL)
on a daily basis. The recovery in NPA accounts through legal software OLAO and also under the process of implementation
actions and under SARFAESI are reviewed periodically, and of 3 in 1 E-Trading facility in tie-up with Motilal Oswal Financial
video conferences are held with Field Functionaries on a Services Limited for our Demat clients.
monthly basis.
NPA Borrowers with an outstanding of ₹ 10 lakh & above are
being contacted individually by RO Recovery Team along with
branch staff for its recovery.
During FY 2021-22, 60 Regional Offices, 10 Zonal Offices Planning, Development & Operations
and, 14 Central Office Departments, 02 RRBs & 02
Department
Subsidiaries were subjected to Management Audit.
Branch Network
As on 31.03.2022, 924 General Branches/ 23 SSBs/ 89 Population Groups No Of Branches
CPACs/ 5 CO Depts. totalling 1041 branches/offices were
RURAL 1604
covered under Concurrent Audit by the firms of Chartered
Accountants/Bank officials. All 7 Corporate Finance SEMI URBAN 1330
branches are under concurrent audit by category I Chartered URBAN 783
STRATEGY
Accountant Firms. 05 SAM branches and 01 Co lending METRO 811
Cell are under concurrent audit by the Bank’s own official Total Branches 4528
of Senior Management Grade. Around 61.94% of the total
business of the Bank and 66.41% of aggregate advances Population Groups No Of Branches
as of 31.03.2022 are covered under Concurrent Audit.
Size No Of Branches
Concurrent audit assignment was awarded to 963 Chartered
ELBs 22
Accountant Firms, out of which 526 firms are RBI Category
I, 285 are category II, 93 are category III, and 59 are RBI VLBs 551
Category IV firms. LARGE 1637
MEDIUM 2296
The Bank conducts annual revenue checking exercise from
SMALL 0
1st March to 10th March every year through firms of Chartered
NOTICE
Accountants, Internal Auditors and other officials to ensure SPECIALISED 22
the booking of legitimate income in the books of the Bank. Total Branches 4528
Bank’s Structural/Organisational Position
In compliance with RBI directives, a Periodic Legal Audit and
re-verification of title deeds were carried out in 254 eligible The Position as of 31st March 2022 Is as under:
accounts during the period from 01.04.2021 to 31.03.2022. Sr. Particulars Number Of Offices
No.
The Bank ensures strict compliance culture at branches 1 Central Office 1
through periodic inspections and audits. Bank also
2 Zonal Offices 12
conducts Compliance Audit on a random basis to ensure
REPORTS
the correctness of audit compliance submitted by auditee 3 Regional Offices 90
branches. During FY 2021-22, 870 branches were subjected 4 Subsidiaries 2
to a compliance audit. 5 Associates 1
6 RRBs 2
Reconciliation of swift messages of AD branches is being
done through Concurrent auditors. Bank also conducts KYC 7 CIAs 13
compliance audits in addition to coverage in regular audits.
Branch Expansion
The quarter wise details of Branches opned/merged/closed during FY 2021-22 is as under
FINANCIALS
Sr. Category Position Quarter-I (Apr’21 to Quarter-II (Jul’21 to Quarter-III (Oct’21 to Quarter-IV ( Jan’22 Position
No as of Jun’21) Sep’21) Dec’21) to Mar’22) as of
31.03.21 31.03.22
Branches Branches Branches Branches Branches Branches Branches Branches
opened Merged/ opened Merged/ opened Merged/ opened Merged/
closed closed closed closed
1 Rural 1603 1 0 0 0 0 0 0 0 1604
2 Semi-Urban 1332 0 1 0 0 0 1 0 0 1330
3 Urban 810 0 8 0 0 0 19 0 0 783
4 Metro 863 0 6 0 0 0 46 0 0 811
TOTAL 4608 1 15 0 0 0 66 0 0 4528
Other Developments » Delivery Services: The customer will request the delivery of
» Bank’s modernised Call Centre is providing both Inbound the document through the DSB system. Once a request is
& Outbound call Facility for Customers. initiated, an agent will pick up the document from the Bank
and deliver it to the customer’s doorstep. These include
» The Call Centre operations are upgraded to provide a total Account statements; Non-personalised cheque book draft,
of 16 services through IVR to the callers as against 19 pay the order; Term deposit receipt, acknowledgement
benchmarked services under EASE.4.O guidelines. etc; and TDS/form 16 certificate issuance.
» The upgraded call Centre is now handling 11 out of 12 lead » Cash Withdrawal: Customers can book Cash Withdrawal
generation services marked under EASE 4.O guidelines. Service using DSB App / Web Portal or by calling on the
» The Call centre is also providing services in 10 Regional Toll-Free Number 18001213721 & 18001037188. The
Languages apart from Hindi & English Bank Account of the Customer should be either linked
» The Doorstep banking facility is available to Senior to Aadhaar or Debit Card for availing real-time Cash
Citizens, Visually Impaired & Differently-Abled customers Withdrawal facility. DSB Agent will visit the Customer’s
through Call Centre by dialling 1-800 221911. address to provide service through Micro ATM-based
secure technology. Per transaction, the limit is a Minimum
» The customers can request for Debit Freeze of their of ` 1,000/- and Maximum ` 10,000/-
account/Debit Card through Call Centre on a 24*7 basis.
» Digital Life Certificate: In the current pandemic situation,
» Proactive Outbound IVR blaster for calling delinquent it is difficult for customers, especially pensioners, to visit a
Agriculture, Retail and MSME customers are deployed in branch for a Submission of Life Certificate. Submission of
5 languages. Digital Life Certificate facility through Door Step Banking
» Services for transferring funds through IVR to own, as well is available. Pensioners may book the service through
as other accounts within the Bank and loan accounts, are any channel, i.e. DSB App / Web Portal( https://dsb.
available. imfast.co.in) / Toll-Free Numbers. DSB Agent will visit
the doorstep of the customer and collect an online Life
» The Pensioners are reminded regarding the submission of
Certificate using Jeevan Pramaan App.
annual life certificates through Call Centre.
» Nomination Services: Nomination facility under Doorstep
» The Bank has initiated putting up revamped Complaint
banking services is available for any addition/change
Management Solutions through its Web Portal for lodging
in the nomination for the account type- Savings Bank
Complaints from anywhere, any time.
Account (Individual and E/S), Term Deposit and Current
» Home delivery of Cheque book & ATM Cards implemented Account (Individual).
for the convenience of Customers.
» Fund Transfer: Customers can avail of Fund Transfer
» Positive Pay was introduced as advised by RBI from requests (within or outside the Bank) with a maximum of 3
01/01/2021, through which customers can furnish certain fund transfer requests and a cumulative fund transfer limit
basic details of their cheques issued to avoid fraud by of ` 25,000/- per day.
cloning/ alterations. The same is optional for cheques
» Customers can open accounts under Small Saving
above ` 50000/- and mandatory for above ` 5,00,000/-.
Schemes like PPF/Senior Citizen Saving Scheme/Sukanya
» Positive Pay Facility is available through Net Banking, Samridhi Accounts in any of the branches of their choice.
Mobile Banking and Branch Channels.
» The Customer can make an online subscription for
» DSBS at 100 centres started under PSB Alliance Pvt Ltd., Sovereign Gold Bonds through Net Banking.
under which customers located at the centres can avail
» Online PPF account opening facility provided to customers
the following services at a nominal charge.
through net banking.
» Pickup Services: Customers will request the pick-up of
» PPF and Senior Citizen Saving Scheme account opening
documents through the DSB system. Once a request
facility provided to the customer through Mobile Banking.
is initiated, an agent will pick up the document from the
customer’s doorstep and delivers it to the Bank. These » Home Branch change of Small Saving Scheme through
include Negotiable instruments (cheque/draft/pay order CBS on the line of Deposit account.
etc.); New cheque book requisition slip; 15G (download » Registration of Nomination through Mobile Banking has
form); 15H (download form); IT/GST Challan; and Standing been facilitated for customers.
instructions request.
Rajbhasha
The special achievements of Rajbhasha Department in the Financial Year 2021-22 are as under:
RAJBHASHA Awards: Following RAJBHASHA Awards received by our various offices from different NARAKASs
(Town Official Language Implementation committee) during the financial year 2021-22.
Sr. Name of NARAKAS AWARD Received Sr. Name of NARAKAS AWARD Received
1 BankNARAKAS, Ahmedabad First 25 Bank NARAKAS, Mumbai Third
2 BankNARAKAS, Patna First 26 Bank NARAKAS, Pune Third
STRATEGY
3 NARAKAS, Amritsar First 27 Bank NARAKAS, Indore Third
4 NARAKAS, Dhanbad First 28 NARAKAS, Amravati Third
5 Bank NARAKAS, Bareilly First 29 NARAKAS, Kanpur Third
6 NARAKAS, Faizabad First 30 NARAKAS, Karnal Third
7 NARAKAS, Deoria First 31 NARAKAS, Kochi Third
8 NARAKAS, Akola First 32 NARAKAS, Ludhiana Third
9 NARAKAS, Thiruvananthapuram First 33 NARAKAS, Nagercoil Third
10 NARAKAS, Haldia First 34 NARAKAS, Shivpuri Third
11 Bank NARAKAS Jodhpur First 35 NARAKAS, Haridwar Third
NOTICE
12 NARAKAS Belgaum First 36 Bank NARAKAS, Kolkata Third
13 Bank NARAKAS Gwalior First 37 Bank NARAKAS, Jalandhar Consolation
14 NARAKAS Coimbatore First 38 Bank NARAKAS, Ranchi Consolation
15 Bank NARAKAS Jaipur First 39 NARAKAS, Bhilai Consolation
16 NARAKAS Muzaffarpur First 40 Bank NARAKAS, Bareilly Consolation
17 Bank NARAKAS, Pune Second 41 Bank NARAKAS, Jodhpur Consolation
18 Bank NARAKAS, Delhi Second 42 Bank NARAKAS, Bhubaneswar Consolation
19 NARAKAS, Krishna Nagar Second 43 NARAKAS, Coimbatore Consolation
REPORTS
20 NARAKAS, Hardoi Second 44 NARAKAS Khammam Consolation
21 NARAKAS, Bongaigaon Second 45 NARAKAS, Durgapur Special Prize
22 Bank NARAKAS, Noida Second 46 NARAKAS, Udaipur citation
23 Bank NARAKAS, Meerut Second 47 NARAKAS Shillong citation
24 Bank NARAKAS, Delhi Second 48 Bank NARAKAS Hyderabad shield
Rajbhasha Sammelan: The Bank organized a total of 9 All India E-Rajbhasha Sammelans.
Central Office 29.06.2021 Bhopal 20.09.2021 Officials of the Department of Official Language
Pune 05.02.2022 Chennai 07.02.2022 and DFS, NARAKA Secretaries, representatives
FINANCIALS
of NARAKAS member offices, Distinguished
Mumbai 23.02.2022 Ahmedabad 25.02.2022
Writers and our Officials were present at these
Patna 15.03.2022 Delhi* 31.03.2022 conferences
Central Office 31.03.2022 (* Jointly with Central Office)
Rajbhasha Seminars: R O, Jaipur organized an e-seminar/webinar on 30.10.2021 on Leadership Skill & Personality
Development. On 01.02.2022, R O, Gwalior organized a Rajbhasha seminar on ‘Azadi Ka Amrit Mahotsav ‘ under the aegis
of Bank NARAKAS, Gwalior. R O, Gaya organized a Rajbhasha seminar on 01.02.2022 where Shri Nirmal Kumar Dubey,
Assistant Director, Department of Official Language, was also present. A Rajbhasha seminar on ‘Azadi ka Amrit Mahotsav ‘
was organized by R O, Gwalior on 05.03.2022.
» On daily basis four slide viz Marketing PPT, Details initiating any branding activities.
of Missed Call, Top & Bottom 10 Regions along with During COVID 19 Pandemic, Bank had launched a new
previous day’s data of missed call provided to all deposit product named Immune India Deposit Scheme.
Regions and Marketing Officers to monitor the daily When, the whole world was affected due to pandemic,
performance. Bank helped General Public to rise again with good
» Total target set of ` 4400 crore. as against the target health. Bank had paid additional interest to those who
of previous year of ` 3410 crore. has been administered at least one jab of COVID-19
vaccine.
Digital Marketing and how it impacts the way
businesses operate: Apart from the traditional branding like Traffic barricades,
STRATEGY
No Parking boards, Police booth, Wall painting, Bus,
» Customer Connect – Digital platforms has enabled easy
Train, Local cable channels, FM Radio the department
and instant communication between the brand and the
had arranged to promote its various products and
audience. It also helps to connect with the global audience.
services through digital marketing on various apps and
» Content Distribution – Every day organization can share websites.
huge content with the audience via social media, emails,
The Corporate Communications team carried out
applications, newsletters and so on. This way organization
various major activities / sponsorship programmes to
can easily spread their message to a large audience.
promote Bank’s various products and services such as
» Customer Information – With the help of the technology, Home Loans, Vehicle Loan, Education Loan, Agriculture
organization can track the data of the customers. The Loan, MSME Loan, and Digital Products.
analysis of the data can help us to know customer likes
NOTICE
Different media channels such as Print, Electronic/
and preferences. Based on which, we can make vital
Digital/Social, Outdoor Media, ATMs, etc. were used
business decisions.
for branding of product and services of the Bank. The
» Encourage Innovations – Digital marketing offers a thrust of the department is to constantly redefine and
platform to reach customers in an innovative way. When reinvent all its branding to stay relevant and act as a
there is a stiff competition in the market, having an change catalyst for the Bank to position itself as one of
innovative approach helps brands to stand out. the most vibrant and trusted brands.
Our Bank has established a strong foothold in Social Media Some of the major publicity activities were carried
Platforms, the biggest form of Digital Marketing today with
out throughout the country for wide publicity
presence in all major social handles namely Facebook,
and visibility of our Bank’s product and services
REPORTS
Twitter, Instagram, LinkedIn and Youtube.
during the year;
Moving forward, Bank aspires to give an impetus to its digital » Sponsorship of 2020 Tokyo Paralympics Games.
marketing efforts to develop a brand perception from what » Bank’s advertisement on CNBC TV 18 and ET Now
it is today in its endeavor to become the preferred choice of channels on the occasion of 111th Foundation Day of
new age tech savvy millennials and Gen-Z customers. the Bank.
Off late Bank has been executing few digital marketing » Printing and Supply of Ordinary Annual Report of the
campaigns to have its presence felt in the ever growing world Bank for FY 2020-21.
of Digital banking.To give it a formal shape, Bank has now » Felicitation of Teachers on Teacher’s Day.
moved a step ahead and has empaneled Digital Marketing FINANCIALS
» Publicity of Women Centric schemes like Cent Grih
Agencies in FY 2021-22 to aggressively pursue the Digital Lakshmi Home loan and Cent Vahini Vehicle loan
Marketing plans. scheme.
In the coming years our Bank is confident of becoming a » Advertisement through hoarding at Lal Quila, Chandni
market leader in all segments of Banking with the effective Chowk, New Delhi.
use of Digital Marketing. » Radio Jingle on My FM, Red FM and Radio City.
» Sponsorship of 40th India International Trade Fair
2. Corporate Communications Department-
2021 at New Delhi.
The Corporate Communications Department is
» Bank’s advertisement on passenger detail page top
responsible for the Bank’s initiatives towards Branding,
banner on IRCTC website.
Product Marketing and Corporate Communications. The
Department has strengthened its process of branding » Sponsorship of FIBAC (FICCI) 2021.
across the country and has set up a suitable process for » Sponsorship of International Conference on
new technologies and sustainable materials in » For customer service excellence and for immediate
constructions of rural roads and bridges. redressal of complaints a complaint redressal cell
3. Public Relation Department- was set up in the month of May 2021.
» Released press releases which are received from » The comments/queries/complaints in our social
various departments. handles are being moderated with the help of our
Online Reputation Management (ORM) tool and
» Arranged press meet and analyst meet at the time
appropriate replies are being posted in the Social
of announcing quarterly financial result and different
Media.
important occasions.
» Coordinated for protocol duties for our top » On an average we receive usually 100 to 150
management and various Government / RBI Officials/ complaints on day-to-day basis which are resolved
Directors visiting Mumbai. on the same day.
» Coordinated for Board cum Managing Committee » In the financial year 2021-22, we received 302
meetings with our Board Secretariat and Security / appreciations from our Customers whose concerns
Transport Department. were addressed.
» Coordinated for Annual General Body Meeting of our » The complaints pertaining to individual departments
bank with MBD. are being taken up with them for an early resolution
4. Social Media - Followers/Likes on Social Media Platforms as on
Social Media has become the most prominent form 31st March 2022:
of Digital Marketing today. Our Bank’s social media Twitter – 49469 Followers
platforms were started with an idea to make our presence Facebook – 133207 Likes
in the world of digital media and to promote our products
Instagram –3445 Followers
and services on these platforms. It has helped our Bank
to create an awareness among the existing and potential LinkedIn – 4700 Followers
customers. We have successfully made our presence YouTube – 8510 Followers
on platforms like Facebook, Twitter, Instagram, LinkedIn
and YouTube. With the help of social media, we are in 5. Corporate Social Responsibility-
constant process of helping and solving queries and » CSR is the continuing commitment by business to
complaints of existing and potential customers with a
contribute to economic development while improving
tool called ORM (Online Reputation Management).
the quality of life of the workforce and their families as
Below are the key highlights of Social Media Activities: well as of the community and society at large.
» Creatives are being made and posted on a daily basis » It is our continuing commitment to donate under CSR
by the department and also on the ideas received through the organization / trust working for poor,
from peer departments. downtrodden people of society for their upliftment
» The Department conducted various campaigns of for education, health, natural calamities and overall
DFS, NPCI, Finance Ministry, RBI and other Govt social welfare of the society.
Institutions.
» CSR budget for the FY 2021-22 was NIL as the Bank
» Various Brand conversation campaigns were had incurred loss during the FY 2020-21.
executed to make the customer aware of the features
Vigilance
of our products/schemes.
Systemic improvement
» Various campaigns were coordinated to promote our
ADC (Alternate Delivery Channels). During the year, the following systemic improvements were
undertaken:
» Information on various offers and schemes were
disseminated through our social media platforms for » Pop up message for accounts linked with NPA accounts
creating brand awareness and to tap the potential » Engagement of Retired Officials on a contractual basis for
customers. conducting Departmental Enquiries
» Posts on various activities of Azadi Ka Amrit Mahotsav » Random surprise inspection of Business Correspondent
were created and shared on our social media Point.
platforms with AKAM hash tags.
» Credit Processing & Approval Centre - CPAC Model and
» Participated in the Digital India campaign of Govt of Lendsafe, the scope for improvement in the working.
India.
Vigilance Awareness Week 2021 on customer grievance redressal all over India. Radio Jingles
As per the directives received from CVC, “Vigilance on FM Channels at three centres across were relayed
Awareness Week 2021” was observed by the Bank from throughout the Vigilance Awareness Week on PIDPI and aired
26.10.2021 to 01.11.2021 in the right spirit and in line with along with advertisements of the Bank’s Retail Products.
this year’s theme “Independent India @ 75: Self Reliance
with Integrity”. On 26.10.2021 pledge was administered During the Vigilance Awareness week, 1 plantation
to the staff working at various departments of the Central programme, 12 walkathons, 3 cricket matches, 3 car rallies,
office. Similar functions were also arranged at all the 10 Zonal one exhibition and one human chain activity were conducted
Offices, 90 Regional Offices and all 4594 Branches of the at various places of our Bank.
STRATEGY
Bank and 2 Regional Rural Banks sponsored by our Bank.
A video film was staged with in-house participants on the ill
Our Bank provided a hyperlink for the ‘integrity Pledge ‘to effects of corruption and to give wide publicity on complaints
CVC’s website to enable customers and staff to take e-pledge. under PlDPl. Apart from this, a video competition for the
children of staff members was also conducted throughout
As desired by the Commission, the area of focus was on all centres in which 328 children participated with full
Internal (Housekeeping) activities which were taken up in enthusiasm.
campaign mode as part of Vigilance Awareness Week.
A lecture on the topic “Vigilance Aspects of Audit - Credit
Bank has conducted 156 workshops/sensitization & Operation” was conducted online during the Vigilance
programmes for the employees, relatives and other Awareness Week at the Corporate Office level, wherein more
stakeholders on policies/procedures of the organization and than 100 Internal Auditors participated. Similarly, 5 lectures
NOTICE
preventive measures through various platforms. on Vigilance aspects have also been conducted in other
centres of the Bank.
As per directives of CVC, Bank has also conducted 26
debates for employees. A quiz competition at the Pan India Bank had arranged five Guest lectures throughout the
level was conducted during the VAW period in which 1386 country wherein senior officials from Police, CBI etc. were
participated. Bank had organized 1169 programmes/camps invited to address the staff members.
REPORTS
the previous year. The category-wise break-up of staff is given below:
STRATEGY
Employee Development PERFORMANCE MANAGEMENT SYSTEM (PMS): -
Upgrading from APAR to Performance Management System (PMS) has been one of the major
HR initiatives. The PMS Module for the year 2021-22 was rolled out.
LEARNING AND DEVELOPMENT: -
Training Calendar for the year 2021-22 was aligned to the Bank’s Business Plan. The major
focus of Training was on Building a Compliance Culture in the Bank, Increasing Bank’s CD
Ratio, Improving Asset Quality, Augmenting Profits and Increasing Digital penetration.
To this end, the following programs were conducted by the 3 Officers’ Training Colleges and
15 CLDs in the FY 2022:
» Compliance Culture in the Bank:
NOTICE
» Compliance Culture in Banking
» Effective Audit of branches for Internal Auditors
» Audit & Compliances
» Increasing Bank’s CD Ratio:
» Understanding Credit : Corporate Credit & MSME
» Agri. Infra Credit & Credit Monitoring in Agriculture
» Augmenting PS Credit
REPORTS
» Building Agri. Portfolio
» Retail lending and Profitability
» CPAC Architecture
» Cent Pragati Scheme
IMPROVING ASSET QUALITY:
» SOP on SARFAESI Act, Vehicle enforcement
» Recovery Tools
» Strategies for NPA Recovery
FINANCIALS
» Restructuring Package 2.0 and Resolution Package 2.0
» Recovery Tools for SAMV and ARB
» Asset Quality Maintenance, Arresting Slippages and Recovery
» Recovery – My Everyday Agenda – for Sub Staff
AUGMENTING PROFITS:
» Every branch as a Profit Centre
» Augmenting CASA and Government business for profitability
DIGITAL PENETRATION:
» Becoming a Digital Pro
» Digital technology – the Competitive Advantage
STRATEGY
conducted by Banks Board Bureau.
» 391 Officers in various scales were nominated for specialized training programme
conducted by external training agencies like NIBM, CAB, FEDAI, IIBF, CORDEX, SHRM,
FIMMDA etc.
» Uniform Mid-Career Training Structure for Officers was adopted by the Bank.
CAPACITY BUILDING:-
In order to enhance the capabilities of staff in our Bank, Certifications have been made
mandatory for 374 employees manning Key roles in Treasury, Risk, Accounting and Credit
Departments. Further, 21 Officers have also been enrolled for HR Certification (CP/SCP) from
SHRM under Capacity Building for HR Professionals.
NOTICE
EMPLOYEE ENGAGEMENT:-
The Bank had conducted Employee Engagement Survey to take stock of what employees
think and assess ways to help increase an employees’ sense of inclusion and wellbeing to
boost productivity. The information received will allow the Bank to leverage its strengths and
work on identified areas that need improvement.
The framework of the survey incorporated the following:-
Employee Satisfaction Æ Employee Engagement Æ Organization Culture Æ Great Place
to Work
REPORTS
CAREER PLANNING (SUCCESSION PLANNING):-
It is very important in this competitive environment to identify and develop Successors for
key positions, so as to ensure seamless transitions & consistent functioning of functional
departments as well as Person-Position Fit and with this objective the Bank had launched
Project ‘Cent Nurture”. Under the Project, Succession Planning exercise for 1175 eligible
officers in Scale IV and above was completed. Individual Development Plans (IDPs) have
been created for these officers as an instrument for planning and managing their personnel
development measures. The progress under IDP goals is tracked through the Cent Swadhyay
Portal.
MENTORSHIP:-
FINANCIALS
Mentorship Process was introduced as a new initiative and Mentorship program was
launched to support employee’s continuous growth and development, to facilitate transfer
of knowledge, and build the capabilities in our Staff (mentees and mentors) as well. Through
mentorship journey, experienced officers will help other employee in developing their goals
and skills through a series of time-limited, informal, one-on-one conversations and other
learning activities.
INTERNSHIP:-
Policy on Internship in our Bank has been approved by the Board of Directors and subsequently
150 internship opportunities were identified in various departments of Bank. The Internship
programme provides an overview of banking industry and practical knowledge in a particular
department, as per the preference and educational specialization of the candidate. The
candidates are also eligible for stipend for undergoing the Internship programme.
STRATEGY
the market share of our Bank in the economy.
POLICY ON CAPACITY BUILDING:-
The Capacity Building, under present as well as future scenario, plays a pivotal role in the
entire organization, as it increasingly deals with Enhancing the knowledge & experience of
Employees. Considering the ever increasing challenges & emergence of global market in
the present scenario of Banking, there is a need for employees to enhance their knowledge/
understanding along with experience/ knowledge in traditional banking and to also attain
relevant skills to cope up with these challenges. To realize this objective, it is important that
emphasis is given to increasing the Job knowledge & skill sets of employees through various
interventions including mandating certification for certain job roles in important departments
and with this objective the Policy on Capacity Building was reviewed & approved by the Board.
NOTICE
MANDATORY LEAVE POLICY FOR EMPLOYEES POSTED IN SENSITIVE POSITIONS:-
In the light of RBI guidelines on prudent operational risk management measure with regard
to Mandatory leave for Employees Posted in Sensitive Positions or Areas of Operation,
Mandatory Leave policy was placed for review whereby all employees posted in sensitive
positions or areas of operations, are required to be compulsorily sent on leave for a few days
(not less than 10 working days) in a single spell every year, without giving any prior intimation
to these employees, thereby maintaining an element of surprise.
POLICY FOR APPOINTMENT ON COMPASSIONATE GROUNDS OR PAYMENT OF
LUMPSUM EX-GRATIA AMOUNT ON DEATH IN HARNESS OF AN EMPLOYEE:-
REPORTS
To deal with cases of Compassionate Appointment with more clarity and in a timely manner
a policy on “Appointment on Compassionate grounds or Payment of Lump sum Ex-gratia
Amount on Death in Harness of an Employee” has been reviewed in line with the development/
observation and government policies and realigned as per peer banks to expedite the process.
NEW POLICIES: -
POLICY ON KEY MANAGERIAL PERSONNEL IN BANK & KEY MANASGERIAL
POSITIONS HELD BY OUR STAFF IN THE SUBSIDARIES/ ASSOCIATE CONCERNS OF
OUR BANK:-
Key Managerial Personnel (KMP) refers to the employees of a Company / Organization, who
FINANCIALS
are vested with significant roles and functionalities. They are the first point of contact between
the company and its stakeholders and are responsible for the formulation of strategies and
its implementation. A policy has been formulated to identify ‘Key Managerial Personnel (KMP)
in our Bank and Key Managerial Positions held by our staff in the subsidiaries/associate
concerns of our Bank.
APPRENTICESHIP POLICY- ENGAGEMENT OF APPRENTICES IN THE BANK:-
Apprenticeship has been adopted as a major skill development intervention to provide larger
employment opportunities to the youth of country. In compliance with GOI directions & further
amendments to the Apprenticeship Act, 1961, a policy on engagement of Apprentices in our
bank was formulated.
STRATEGY
and plan measures for ensuring effective implementation of the policy and programmes of
Government of India.
» SC/ST cell has taken all steps to safeguard the interest of SC/ST employees.
» SC/ST Cells has been setup at Central Office under the control of Chief Liaison Officer to
redress the grievances of SC/ST/OBC Employees.
» Reservation Rosters are maintained as per Government guidelines and the same are
uploaded on Banks Website as per GOI guidelines.
» Bank conducts Periodical Meeting with Welfare Association/Federation.
» In-house Committee for Identification of Backlog Reserved Vacancies as per DFS, GOI
NOTICE
guidelines has been constituted.
» Internal Grievance Redressal Committee for SC employees and ST employees has been
setup as per instructions received from DFS through NCSC & NCST.
» Committee on Reservation constituted by DFS under the Chairmanship of Shri Kishor
Kharat, visited our bank on 15.11.2021 at Central Office, Mumbai to make an assessment
of Implementation of Reservation Policy in the Bank.
» Dr. Anju Bala, Hon’ble member National Commission for Scheduled Castes had visited
our Regional offices at Patna, Dehradun, Karnataka, Shimla and Lucknow and met with
representatives of Scheduled Caste Employees and Bank management to discuss and
REPORTS
monitor the Regional level issues of SC Employees, Implementation of Reservation Policy,
Safeguards in Recruitment and Promotion and implementation of State funded Welfare
Schemes.
Representation of SC/ST/OBC as on 31.03.2022:-
Sr. CADRE TOTAL SC ST OBC
No.
1 OFFICER 16248 2963 1422 4557
2 CLERICAL 8415 1563 786 2074
3 SUB - STAFF 5626 1903 519 1494 FINANCIALS
GRAND TOTAL 30289 6429 2727 8125
Digital Payment & Transaction Banking » The daily Average of Mobile Banking transactions during
FY 2021-22 is 0.36 lakhs.
» The daily Average of UPI transactions during FY 2021-22
is 39.04 lakhs. » As of March 31, 2022, cumulative registered users for Net
Banking, Mobile Banking and UPI are 86.61 Lakhs, 40.45
» The daily Average of IMPS transactions during FY 2021-
Lakhs and 16.76 Lakhs, respectively.
22 is 3.34 lakhs.
» The bank has a total of 4240 POS/m-POS Terminal
» The daily Average of Internet Banking transactions during
Installed as of March 31, 2022.
FY 2021-22 is 3.73 lakhs.
» The daily Average of POS/E-Com transactions during FY Atm /Debit Card Operations
2021-22 is 1.39 lakhs. » Total number of ATMs as of 31st March 2022 is 2976.
» 59.48% of the Bank’s ATMs are located in Rural & Semi- » UPI Global- Payment to foreign merchants through UPI.
Urban Areas. » Rewards points for UPI /Mobile Banking activation and the
» The average ATM Uptime during the year is around first few transactions
92.06%. Average ATM uptime improved from 89.11% in » E-Rupee Acquirer facility for merchants to redeem E-Rupi
Q1 to 94.48% in Q4. vouchers.
» The number of Debit cards issued as of 31.03.2022 is » Tax Payments (CBDT) through Debit Card and Payment
3.01 crore. Gateway mode, in addition, to the present Net Banking
Credit Card Operations mode.
» The bank is issuing Co-branded Credit Card with SBI Card » Non Tax Govt. Payments (Bharatkosh) through Payment
to our customers. Gateway mode.
» 195483 Co-branded Cards were issued till March 31st » Online DEMAT account through Mobile Banking.
2022
» Card Tokenisation for the safety of Card information.
The Way Forward » Installation of 2550 New ATM machines, including
Initiatives under implementation which will increase the digital replacement of 1,500 old machines.
footprint of your Bank:
Subsidiaries and Joint Ventures
» Revamped Mobile Banking with a new look and feel, Cent Bank Home Finance Limited:
having useful links on the Home screen. » Net Owned funds stood at ₹ 157.35 crore as of 31st March
» OTP based Cash withdrawal facility on our ATM for our 2022. During the year, the total advances of the company
customers through Mobile Banking. stood at ₹ 1159.68 crore as of 31st March 2022 as against
₹ 1129.93 crore as of 31st March 2021.
» Mobile Banking app registration through Account Number
along with Customer Identification Number (CIF). » The retail deposits and institutional deposits stood at
₹ 519.75 crore as of 31st March 2022 against ₹ 412.24
» Easy login in Mobile Banking, the customer will be provided
crore as of 31st March 2021.
with the option to login through MPIN without a username
after one-time registration. » The Net Profit of the Company stood at ₹ 20.11 crore for
the full-year 2021-22 as against ₹ 14.67 crore for the full
» Interoperable Cardless Cash Withdrawal (ICCW) from any
year
ICCW enabled ATM using UPI.
» 2020-21.
» Revamped Look and Feel of UPI
» Earnings per Share are ₹ 8.04 (₹ 10 per share) [Previous
» UPI app registration with Aadhar Number plus OTP:
Year ₹ 5.87].
customers who do not have Debit Card will be able to
register on the UPI app. » Gross NPA stands at ₹ 59.00 crore as of 31st March 2022
as against ₹ 62.01 crore as of 31st March 2021.
» Person to Person (P2P) Payment through UPI app shall
have the feature of making payment on the basis of » Net NPA to Net Advances is at 2.56% as of 31st March
contact number saved/stored on a mobile phone. 2022.
» UPI Lite- On-Device wallet’ to make small value » Return on Assets is 1.68% [Previous year 1.16%].
transactions through offline mode. With UPI lite, the » CAR works out at 23.50% as of 31st March 2022
customer will have the option to scan any QR code and
make the payment without any internet.
Balance sheet
as at 31st March 2022
As at As at
Particulars Note
31 March, 2022 31 March, 2021
No.
(` in lakhs) (` in lakhs)
A EQUITY AND LIABILITIES
1 shareholders’ funds
STRATEGY
(a) Share capital 2 2,500.00 2,500.00
(b) Reserves and surplus 3 13,707.64 11,696.72
16207.64 14,196.72
2 Non-current liabilities
(a) Long-term borrowings 4 57,880.22 55,399.87
(b) Deferred tax liabilities 3a 607.40 641.48
(c) Long-term provisions 5 3,656.34 3,045.07
62,143.96 59,086.42
3 Current liabilities
NOTICE
(a) Short-term borrowings 6 31,100.86 30,686.98
(b) Trade payables 7 - -
(i) total outstanding dues of MSME - -
(ii) total outstanding dues of creditors other than MSME 107.04 -
(c ) Current maturities of long term borrowing 8 11,052.33 14647.48
(d) Other current liabilities 9 404.41 -
(e) Short-term provisions 10 199.24 60.37
42,863.88 45,394.83
TOTAL 1,21,215.48 1,18,677,97
B ASSETS
REPORTS
1 Non-current assets
(a) Property, Plant & Equipment and Intangible assets
(i) Property, Plant & Equipment 11 30.60 42.29
(b) Non-current investments 12 3,173.77 4,224.19
(c) Long-term loans and advances 13 97,251.31 1,02,723.32
(d) Other Non-current assets 14 330.80 189.97
1,00,786.48 1,07,179.77
2 Current assets
(a) Cash and cash equivalents 15 1325.75 689.19 FINANCIALS
(b) Short-term loans and advances 16 18,717.16 10,464.98
(c) Other current assets 17 386.09 344.03
20,429.00 11,498.20
TOTAL 1,21,215.48 1,18,677.97
The company earned a Net Profit after Tax of ₹ 1.06 crore for the year ended 31st March 2022 against a Net Profit of ₹ 0.91
crore for the previous year ended 31st March 2021. Segment-wise earnings are as follows:
(Rupees in Lakhs)
Particulars FY 2021-22 FY 2020-21
Fees from Executor Trusteeship 35.22 33.07
Fees from Debenture & Security Trusteeship 81.42 83.53
Other income (Interest, Dividend, etc.) 178.16 222.91
Fee from Safe Custody of Documents 0.10 -
Total 294.90 339.51
Balance sheet
as of 31 March, 2022
As at As at
Particulars Note
31 March, 2022 31 March, 2021
No.
(` in lakhs) (` in lakhs)
A EQUITY AND LIABILITIES
1 shareholders’ funds
STRATEGY
(a) Share capital 1 500.00 500.00
(b) Reserves and surplus 2 3,038.18 3,081.87
2 Non-Current Liabilities
(a) Other long term liabilities 3 72.50 60.35
(c) Long-term provisions 4 3.96 3.17
3 Current liabilities
(a) Other current liabilities 5 603.72 589.99
(b) Short-term Provisions 6 1.08 1.22
TOTAL 4,219.44 4,236.60
NOTICE
B ASSETS
1 Non-current assets
(a) Property plant and Equipment and intangible assets 7
(i) Property plant and Equipment 2.39 1.46
(ii) Intangible Assets 0.40 1.04
(iii) Capital work-in-progress - 1.37
(b) Non-current Investments 8 597.63 0.03
(c) Deferred tax assets (net) 9 1.45 1.68
(d) Other non-current assets 10 1,883.34 199.39
2 Current Assets
REPORTS
(a) Current Investments 11 - 150.00
(b) Trade Receivables 12 8.81 8.87
(c) Cash and cash equivalents 13 1,610.19 3,555.61
(d) Short-term loans and advances 14 115.23 317.15
TOTAL 4,219.44 4,236.60
FINANCIALS
Bank’s financial year is the calendar year. As of the end of December 2021, our Bank is holding total 8,32,00,000 shares of
Kwacha 1 each value.
» Deposits of the Bank have increased by 18.43% (Total Deposits 7663.70 Million Kwacha and advances have increased by
11.75% (Total Advances 2933.39 Million Kwacha over the previous year.
» The Bank has been performing well in all parameters and is presently the sixth-largest bank in Zambia.
» Bank has made a net profit of KW 278.57 Mio (INR 124.14 crore) for the calendar year 2021.
» We have received a net dividend of INR 5.53 crore from Indo Zambia Bank for the year 2021.
REGIONAL RURAL BANKS
Unaudited as of 31.03.2022:
(Amount in ₹ crore)
Name of RRBs with its HO & state No. of Dist. Total Total Gross NPA Net profit
& Branches Deposit advances
Uttar Bihar GB. Muzaffarpur (Bihar) 18/1032 17033.65 10420.22 2495.19 (-) 87.68
Uttarbanga Kshetriya GB., Cooch Behar (WB) 5/ 142 3857.75 2767.67 170.11 45.08
STRATEGY
regard.
high standards of disclosure and transparency. The
Bank has adopted best practices and standards of 2) Board of Directors
governance that are monitored by various Committees A) COMPOSITION OF THE BOARD OF
of the Board. The Board, the Executives and other DIRECTORS
functionaries have distinctly demarcated roles in
The Bank is constituted under the Banking Companies
achieving the corporate goals – improved performance
(Acquisition and Transfer of Undertakings) Act,
and enhanced shareholders’ value.
1970 (as amended from time to time). The general
The equity shares of the Bank are listed at BSE Limited superintendence, direction and management of the
and National Stock Exchange of India Limited. However, affairs and business of the Bank is vested in the Board of
the Bank is not a company but a body corporate under Directors presided over by the Chairman.
NOTICE
the Banking Companies (Acquisition and Transfer of
The composition of the Board of Directors of the Bank
Undertakings) Act, 1970 and is regulated by the Reserve
is governed by the provisions of the Banking Regulation
Bank of India. The Bank complies with the provisions
Act, 1949, the Banking Companies (Acquisition and
of corporate governance norms as specified in SEBI
Transfer of Undertakings) Act, 1970 as amended and the
(Listing Obligations and Disclosure Requirements)
Nationalised Banks (Management and Miscellaneous
Regulations, 2015 to the extent it does not violate the
Provisions) Scheme, 1970, as amended.
During the year under review i.e. 2021-22, the composition of the Board was as under:
Sr. Name Position Period No. of Area of Membership/ Directorship of other Whether
No. Held (From – To) Equity Expertise Chairmanship of Companies as on attended
REPORTS
Shares of Committees of Board 31.03.2022 last AGM
the Bank of Central Bank of held on
held as on India during the 10.08.2021
31.03.2022 Financial year ended
31.03.2022
Member Chairman
1. Shri Tapan Non- From NIL Finance, RMC, RMC, 1. Gujarat No
Ray Executive 23.05.2018 Economics, LVFC, LVFC, International
Independent to Technology, Law, SRC, HR, SRC, HR, Finance Tec-City
Chairman 22.05.2021 Capital Markets, PE, N&RC PE Company Ltd.
(ceased Management, 2. GIFT SEZ Limited
to be the Foreigh Trade, 3. GIFT Power
FINANCIALS
Director on Public Policy and Company Limited
22.05.2021) Administration 4. GSPC LNG Limited
5. GVFL Limited
6. Gujarat Alkalies
and Chemicals
Limited – Listed
Company
(Non-Executive
– Independent
Director)
7. Gujarat State
Fertilizers and
Chemical Limited
– Listed Company
(Non-Executive
– Independent
Director)
Sr. Name Position Period No. of Area of Membership/ Directorship of other Whether
No. Held (From – To) Equity Expertise Chairmanship of Companies as on attended
Shares of Committees of Board 31.03.2022 last AGM
the Bank of Central Bank of held on
held as on India during the 10.08.2021
31.03.2022 Financial year ended
31.03.2022
Member Chairman
2. Shri M V Rao Managing From NIL Banking MCB, MCB, NIL Yes
Director 01.03.2021 RMC, RMC,
and Chief LVFC, LVFC,
Executive CSC, ITS, CSC, VIG,
Officer SRC, VIG, CAC, HR,
(Whole Time CAC, HR, MRC,
Director) MRC, CRC,
CRC, RCNCB,
RCNCB, CRIWD
CRIWD
3. Shri Alok Executive From 12,000 Banking MCB, NIL Cent Bank Home Yes
Srivastava Director 23.01.2019 ACB, Finance Ltd.
(Whole Time RMC,
Director) LVFC,
CSC, ITS,
SRC, CAC,
HR, MRC,
CRC
4. Shri Vivek Executive From NIL Banking MCB, NIL Centbank Financial Yes
Wahi Director 10.03.2021 RMC, Services Limited
(Whole Time LVFC,
Director) CSC, ITS,
SRC, CAC,
HR, MRC,
CRC
5. Shri Rajeev Executive From NIL Banking MCB, NIL NIL Yes
Puri Director 10.03.2021 RMC,
(Whole Time LVFC,
Director) CSC, ITS,
SRC, CAC,
HR, MRC,
CRC
6. Dr. Bhushan Government From NIL Finance and ACB, NIL 1. IFCI Ltd. – Listed No
Kumar of India 14.05.2018 Economics RMC, Company (Non
Nominee LVFC, ITS,
Sinha To –Executive
Director VC, MRC,
(Non- 11.04.2022 HR, PE - Nominee
Executive Director)
Director) 2. Micro Units
Development
& Refinance
Agency Limited
(Non –Executive
- Nominee
Director)
Sr. Name Position Period No. of Area of Membership/ Directorship of other Whether
No. Held (From – To) Equity Expertise Chairmanship of Companies as on attended
Shares of Committees of Board 31.03.2022 last AGM
the Bank of Central Bank of held on
held as on India during the 10.08.2021
31.03.2022 Financial year ended
31.03.2022
Member Chairman
7. Shri P. J. RBI Nominee From NIL Banking and MCB, NIL NIL No
Thomas Director 28.09.2020 Finance ACB, VC
STRATEGY
(Non-
Executive
Independent
Director)
8. Smt. Mini Shareholder From NIL Finance ACB, ACB, NIL No
Ipe Director 01.07.2018 RMC, ITS,
(Non- CSC,
To N&RC
Executive ITS, SRC,
Independent 30.06.2021 MRC, PE,
Director) RCNCB,
N&RC,
CRIWD
9. Shri Dinesh Shareholder From 100 Finance ACB, ACB NIL Yes
NOTICE
Pangtey Director 01.07.2021 RMC,
(Non- CSC,
Executive ITS, SRC,
Independent MRC, PE,
Director) RCNCB,
N&RC,
CRIWD
10. Shri Pradip Part Time From NIL Finance ACB, ITS, NIL No
Pranlal Non-official 21.12.2021 RMC, SRC,
Director CSC,
Khimani N&RC,
(Non- LVFC,
Executive ITS, SRC, PE
REPORTS
Independent MRC, PE,
Director) RCNCB,
N&RC,
CRIWD
The Managing Director and Chief Executive Officer and the Executive Directors are whole time Directors of the Bank.
ACB - Audit Committee of the Board
CAC - Credit Approval Committee
CRC - Capital Raising Committee
CRIWD - Committee to review the Identification of Wilful Defaulter
FINANCIALS
CSC - Customer Service Committee
HR - Human Resources Committee
ITS - Information Technology Strategy Committee
LVFC - Special Committee of the Board for Monitoring of Large Value Frauds
MCB - Management Committee of the Board
MRC - Committee of the Board for Monitoring of Recovery
N&RC - Nomination and Remuneration Committee
PE - Performance Evaluation Committee
RCNCB - Review Committee for Declaring Non Co-operative Borrower
RMC - Risk Management Committee
SRC - Stakeholders Relationship Committee
VIG - Vigilance Committee
Brief Profile of the Directors (as on 31.03.2022) training 9 months). Prior to joining Central Bank of
India as Executive Director w.e.f. 10th March 2021,
1. Shri M V Rao, Managing Director and Chief
Shri Rajeev Puri was Chief General Manager, Punjab
Executive Officer (D.O.B. 03.07.1965)
National Bank. He is a seasoned banker with varied
Mr. M V Rao has taken over charge as Managing experience and has worked in various capacities in
Director & CEO of Central Bank of India with effect from different geographical areas of the country. He has
1st March, 2021. Prior to joining the current assignment, received many awards during his stint as Branch Head,
Shri Rao was Executive Director, Canara Bank for more Circle Head & Zonal Manager of Punjab National Bank.
than three years where he played a pivotal role in the As Chief General Manager of Punjab National Bank, he
Bank’s progress. Shri M V Rao is a Post Graduate in headed Bank’s important verticals like MSME & Mid
Agriculture from Sri Venkateshwara Agriculture College, Corporate, Agriculture, Retail Lending and Financial
Tirupati, Andhra Pradesh. He is a Certified Associate Inclusion Division.
of Indian Institute of Bankers. A seasoned banker with
varied experience, Shri M. V. Rao joined Allahabad 5. Dr. Bhushan Kumar Sinha, Government of India
Bank as Agricultural Field Officer in 1988 and worked Nominee Director (D.O.B. 20.07.1964)
in various capacities in different geographical areas of Dr. Bhushan Kumar Sinha was appointed as Government
the country. As General Manager of Allahabad Bank, of India Nominee Director in Central Bank of India with
he headed Bank’s important verticals like Wholesale & effect from 14.05.2018. Dr. Sinha is Ph.D. in Financial
Retail Banking. He was also instrumental in launching a Economics from the Department of Financial Studies,
transformative project in Allahabad Bank to bring focus University of Delhi, MBA from the National Graduate
on Asset-centric banking. School of Management (NGSM), Australian National
University (ANU), Canberra, Australia. Dr. Sinha belongs
2. Shri Alok Srivastava, Executive Director (D.O.B
to the 1993 batch of the Indian Economic Service and
22.11.1962)
is presently working as Joint Secretary in Department
Shri Alok Srivastava holds Masters degree in Economics of Financial Services (DFS), Ministry of Finance,
and MBA (Finance). He started his career as Management Government of India. Prior to his present assignment
Trainee in Punjab National Bank in the year 1985. He as Joint Secretary, he was Economic Adviser in DFS.
has more than 34 years of experience in banking, having Before joining DFS in May 2018, Dr. Sinha had a three
worked in almost all key segments of banking, in various years stint as Economic Adviser in the Department of
capacities at Branches, Administrative Offices, etc. Investment & Public Asset Management (DIPAM). Dr.
3. Shri Vivek Wahi, Executive Director (D.O.B. Sinha is also the Director on the Board of IFCI Ltd and
15.09.1965) Micro Units Development & Refinance Agency Limited.
His Tenure ended on 11.04.2022.
Shri Vivek Wahi has taken over charge as Executive
Director of Central Bank of India with effect from 10th 6. Shri P J Thomas, RBI Nominee Director (D.O.B.
March, 2021. He possesses rich Banking experience 02.01.1959)
having worked in all important verticals of the bank like Shri P J Thomas was nominated as Director on the
Branch Banking, Overseas Dealing Room, Heading Board of Central Bank of India on September 28, 2020
Large Corporates Credit Branch, Zonal Manager, by Government of India. He is a graduate in Science with
Treasury Head, Field GM etc. He was posted as Zonal B.Sc (Hons) and a Master in Business Administration in
Manager of Bank’s, Mumbai South Zone, the Largest Banking and Finance. He is also a Certified Associate of
Zone on Business Mix parameters. He has also headed Indian Institute of Bankers.
Bank of India’s Treasury at Mumbai for more than 2 years.
He has also worked as Field GM of Northern Territory He started his career as a bank officer with a public
of the Bank comprising 6 states having headquarter at sector bank, before moving to Reserve Bank of India
New Delhi. He joined Banking Industry (Bank of India) (RBI) as an officer and served in different capacities
as Probationary Officer in 1990, after completing his including as Regional Director, RBI, Bangalore. During
B.Tech from NIT, Kurukshetra. his tenure of more than 36 years in RBI, he had long
exposure to banking Regulation at Central Office and
4. Shri Rajeev Puri, Executive Director (D.O.B. Banking Supervision at Regional Offices. He had
14.06.1963) attended overseas training in Regulation and Supervision
Shri Rajeev Puri is a Masters in Commerce and MBA at the Federal Reserve of New York and Florida besides
(Finance). He also holds a Diploma in Rural Banking at other international bodies at Kuala Lumpur, Manila,
from IIB. He is a Certified Associate of Indian Institute Frankfurt and Basel. He was earlier on the Boards of a
of Bankers. He is also an Alumni for IIM-B (BBB-LDB private sector bank and also a public sector bank.
7. Shri Dinesh Pangtey, Shareholder Director (D.O.B Committee, Municipal Corporation, Junagadh. He is the
27.02.1962) awardee of “Bharat Jyoti Award” by India International
Shri Dinesh Pangtey was elected as Shareholder Director Friendship Society, “Global Indian of the Year Award” By
in Central Bank of India with effect from 01.07.2021. He National Development Forum and several other awards
has experience in the field of Finance. He has held the from several associations/institutions.
post of Chief Executive Officer of LICHFL AMC Limited 9. Shri Hardik Mukesh Sheth ,Government of India
and LIC Mutual Fund Asset Management Limited. He Nominee Director (D.O.B. 19.05.1980)- w.e.f
also had more than 3 decades of experience in Life 11.04.2022
insurance business in different positions.
Shri Hardik Mukesh Sheth was nominated as Government
STRATEGY
8. Shri Pradip Pranlal Khimani, Part Time Non- Nominee Director of Central Bank of India on 11th April
Official Director (D.O.B. 26.02.1959) 2022 by Government of India. He is a Director with
Shri Pradip Pranlal Khimani was nominated as Part Time Department of Financial Services, Ministry of Finance,
Non-Official Director of Central Bank of India on 21st Government of India. He is a MBA (Finance) and a US
December 2021 by Government of India. He is Masters CPA. Prior to joining the ministry, he has almost 19 years
in Commerce in Statistics, Costing, Industry, Modern of Banking experience wherein he has worked with
Finance and Business Management form Saurashtra few multinational as well as public sector bank (State
University. Presently, He is the Chairman, Saraswati Bank of India) across various functions, including Risk
School, Junagadh (Gujarat). He is also the Director Management, Credit Management, Corporate Credit,
in Girnar Yatradham Vikas Mandal, Junagadh and the Branch Operations, Administration amongst others.
He has an experience of handling large team sizes and
NOTICE
Member of Ethical Committee, GMERS Medical College,
Junagadh. Earlier, he served as the Director, Gujarat various branches under himself. He brings with him a
Tourism Corporation and the Chairman, Standing holistic view of the banking industry.
REPORTS
Details of attendance of the Directors at the Board Meetings are:
viii) Stakeholders Relationship Committee In terms of the above the Board of Directors of a
ix) Nomination and Remuneration Committee Nationalised Bank are empowered to exercise the powers
of a Committee of the Board to do any act or thing, or
x) Vigilance Committee
for resolution of grievances of security holders by, or in
xi) Performance Evaluation Committee respect of any appointment, approval or review, which it
xii) Human Resource Committee is required to do by law provided the Board is satisfied
xiii) Committee of the Board for Monitoring of Recovery that quorum for meeting of such Committee cannot be
met on account of either existence of any vacancy in
xiv) Capital Raising Committee
such Committee or recusal by member thereof.
xv) Review committee for declaring Non Co-operative
Borrower i) Management Committee of the Board:
The Management Committee of the Board
xvi) Committee to review the Identification of willful
is constituted under The Nationalised Banks
defaulters
(Management and Miscellaneous Provisions)
The Govt. of India vide notification dated 25th January, Scheme, 1970 read with the Banking Companies
2021, amended the Nationalised Bank (Management (Acquisition and Transfer of Undertakings) Act,
and Miscellaneous Provisions) Scheme, 1970 by 1970. The committee considers various business
inserting a special provision (Clause 14A) which states: matters of material significance like sanction of
“Where a nationalised bank is required by law to do any high value credit proposal, compromise/write
act or thing and in order to do so the recommendations or off proposals, sanction of capital and revenue
determination of, or resolution of grievances of security expenditure, premises, investments etc. As on
holders by, or in respect of any appointment, approval 31.03.2022, it comprised of 5 members, consisting
or review by any Committee of the Board of the bank of the Managing Director and Chief Executive
is required, and if the Board is satisfied that quorum for Officer, 3 Executive Directors and Reserve Bank of
meeting of such Committee cannot be met on account India Nominee Director.
of either existence of any vacancy in such Committee or The Management Committee of the Board met 16
recusal by member thereof, the Board may do that act times during the year on the following dates:
or thing.”
The Credit Approval Committee met 22 times during the year on the following dates:
STRATEGY
Name of the Director Attendance Meetings held Period (From - To)
Recorded during their tenure
Shri M V Rao 22 22 01.04.2021-31.03.2022
Shri Alok Srivastava 21 22 01.04.2021-31.03.2022
Shri Vivek Wahi 20 22 01.04.2021-31.03.2022
Shri Rajeev Puri 22 22 01.04.2021-31.03.2022
iii) Audit Committee of the Board Reviewing the major accounting entries based on
The Audit Committee of the Board (ACB) has been exercise of judgment by management and reviewing any
constituted by the Board of Directors as per the significant adjustments arising out of the audit;
guidelines of the Reserve Bank of India. The ACB Qualifications in the Draft Audit Report;
NOTICE
provides direction as well as overseeing the operation
To have post-audit discussions with the Auditors to
of the total audit function of the Bank, which includes
ascertain any area of concern;
the organisation, operationalization and quality control
of internal audit and inspection within the Bank and Establishing the scope and frequency of Internal Audit,
follow-up on the statutory/ external audit of the Bank and reviewing the findings of the Internal Auditors and
inspections conducted by RBI. The terms of reference to ensuring the adequacy of internal control systems;
the Audit Committee are: Compliance with the Stock Exchanges’ legal
Reviewing, in respect of Internal Audit, the Internal requirements concerning financial statements, to the
Inspection/ Audit function in the Bank, with specific extent applicable;
focus on the follow-up on inter-branch adjustment
REPORTS
Such other matters as may from time to time be required
accounts, un-reconciled long outstanding entries in by any statutory, contractual or regulatory requirements
inter-bank accounts and nostro accounts, arrears in to be attended to, by the Audit Committee.
balancing of books, frauds and all other major areas of
The Audit Committee of the Board comprise of Executive
house-keeping;
Director in charge of Central Audit and Inspection,
Obtaining and reviewing half-yearly reports from the Government of India Nominee Director, Reserve Bank
Compliance Officers appointed in the Bank in terms of of India Nominee Director and two non-official non-
the instructions of the RBI; executive directors, at least one of them should be a
Reviewing the scope of the independent audit including Chartered Accountant. Directors from staff will not be
the observations of the auditors and reviewing the included in the ACB. As on 31.03.2022, one position
remains vacant in the ACB as there is no eligible member FINANCIALS
quarterly, half-yearly and annual financial statements
before submission to the Board; to be nominated in the Committee.
Following up in respect of Statutory Audits, on all the Composition of the Audit committee as on 31.03.2022
issues raised in the Long Form Audit Report (LFAR) and was as under:
interacting with the External Auditors before finalization 1 Shri Dinesh Pangtey Chairman
of the quarterly/ half yearly/ annual financial accounts 2 Shri Alok Srivastava Member
and reports; 3 Dr. Bhushan Kumar Sinha Member
Reviewing regularly the accounts, accounting policies 4 Shri P. J. Thomas Member
and disclosures; 5 Shri Pradip Pranlal Khimani Member
During the year, the Audit Committee met 9 times on the following dates:
Unaudited quarterly results of the Bank and audited risk philosophies and risk preferences. It would also
results for the year were reviewed by the Audit Committee create and build organisational wide awareness and
of the Board and placed before the Board of Directors appreciation of risk management policies. It would
for approval. be reviewing periodically the policies and guiding
principles for managing the Bank’s operational
iv) Risk Management Committee
risk. Also the Committee would review periodically
Risk Management Committee was constituted by information to monitor the compliance with the
the Board vide Reserve Bank of India circular DBOD policies,
NO.DP(SC)BC/98/21.04.103/39 dated 7th October,
1999 and vide Board Agenda No. BM/01/2002- » Creating awareness and appreciation of ALM issues
03/3.2 of meeting dated 20.04.2002 and based on the throughout the Bank. Using appropriate guidelines
suggestions of Dr. Ganguly Group report set up by the in the areas of Balance Sheet structure, funding
Reserve Bank of India. structure pricing and corporate planning so as to
maintain the Bank’s desired risk preferences and
The objective of Risk Management Committee:- Balance Sheet profile.
» The Committee will take both long term and short » Reviewing periodically the instructional mechanism
term view of the risks faced by the Bank that is put in place for ending the functions of risk
» Keeping the long term interest and implications in management and based supervision.
mind, it will articulate and proactively update the risk » The Committee will devise the policy and strategy
philosophy of the Bank. for integrated risk management containing various is
» From a more operational perspective, it will review exposure of the Bank including credit risk,
the risk profile of the Bank and issue instructions/ The Committee met 4 times during the year on the
guidelines to the appropriate entities to better manage following dates:
the risk.
30.06.2021 21.09.2021 15.12.2021 25.02.2022
» The Committee would be apex committee for
convergence of various risk management efforts Composition of the Risk Management Committee as on
and policy guidelines. It would facilitate providing 31.03.2022 was as under:
board direction on articulating the risk management
1. Shri M. V. Rao Chairman
philosophy of the Bank and also the risk profile of
the Bank und providing guidelines. It would take 2. Shri Alok Srivastava Member
a integrated view of risk the Bank is willing to take 3. Shri Vivek Wahi Member
and provide broad directions for indicating the risk 4. Shri Rajeev Puri Member
appetite for the Bank.
5. Dr. Bhushan Kumar Sinha Member
» It would also review the credit risk management 6. Shri Dinesh Pangtey Member
policies to ensure that they are compatible with the
7. Shri Pradip Pranlal Khimani Member
STRATEGY
Shri Dinesh Pangtey 2 3 01.07.2021-31.03.2022
Shri Pradip Pranlal Khimani 1 1 27.01.2022-31.03.2022
v) The Special Committee of the Board For (3) Monitor progress of CBI/Police Investigation, and
Monitoring of Large Value Frauds recovery position and
The Special Committee of the Board for Monitoring (4) Ensure that staff accountability is examined at all
of Large Value Frauds was constituted vide Reserve levels in all the cases of frauds und staff side action,
Bank of India circular RBI 2004.15 DBS.FGV No. if required, is completed quickly without loss of
1004/23.04.01A/2003-04 dated January 14, 2004 for time.
monitoring and follow up of cases of frauds involving
(5) Review the efficacy of the remedial action taken to
amount of ` 1 crore and above exclusively, while Audit
prevent recurrence of fraud such as strengthening
NOTICE
Committee may continue to monitor all the cases of
of internal control
frauds in general.
(6) Put in place other measures as may be considered
The major functions of the committee is to monitor and
relevant to strengthen preventive measures against
review all the frauds of ` 1 crore and above so as to-
frauds.
(1) Identify the systemic lacunae, if any, that facilitated
The Committee met 4 times during the year on the
perpetuation of the fraud and put in place measures
following dates:
to plug the same,
(2) Identify the reasons for delay in detection, if any, 21.05.2021 21.09.2021 02.12.2021 15.02.2022
reporting to Top Management of the Bank and RBI.
REPORTS
The attendance record of the members is shown below:
vi) Customer Service Committee of the Board ii) Ensure the compliance with the recommendations
Customer Service Committee of the Board was of the Committee on Procedures and Performance
constituted as per the advice of the RBI letter dated Audit on Public Services in Banks
August 14, 2004 read with Committee on Procedures iii) Initiate innovative measures for enhancing the
and Performance Audit on Public Services set up by quality of customer service und improving the
Reserve Bank of India under the Chairmanship of level of customer satisfaction for all categories of
Dr. S. S. Tarapore with a view to support broad based clientele at all levels.
improvement in customer services in relation to various The Committee met 4 times during the year on the
banking services. following dates:
Role of the Committee: 30.06.2021 28.09.2021 15.12.2021 25.02.2022
i) To bring about ongoing improvements in the quality
of customer service provided by the Bank
vii) IT Strategy Committee of the Board vii) Monitoring the method that management use to
As part of IT Governance, RBI directed that the Banks determine the IT resources needed to achieve
need to formulate a Board approved IT Strategy/plan strategic goals and provide high-level direction for
sourcing and use of IT resources.
document and also ensure creation of an exclusive Board
Strategy Committee with a minimum of two Directors viii) Ensuring proper balance of IT investments for
as members, one whom should be an independent sustaining Bank’s growth
Director. All members of the IT Strategy Committee ix) Becoming aware about exposure towards IT
would need to be technically competent while at least risks and controls and evaluating effectiveness of
one member would need to have substantial expertise management’s monitoring of IT risks.
in managing guiding technology initiates. The scope of x) Assessing Senior Management’s performance in
the Committee was later on broad based by the Board of implementing IT strategies Issuing high-level policy
Directors. guidance (e.g. related to risk, funding or sourcing
Roles & objectives tasks).
xi) Confirming whether IT or business architecture is to
i) Approving IT strategy and policy documents.
be designed, so as to derive the maximum business
ii) Ensuring that the management has put an effective value from IT.
strategic planning process in place.
xii) Overseeing the aggregate funding of IT at a bank-
iii) Ratifying that the business strategy is indeed level, and ascertaining if the management has
aligned with IT strategy. resources to ensure the proper management of IT
risks .
iv) Ensuring that the organizational structure
complements the business model and its direction. xiii) Reviewing IT performance measurement and
contribution of IT to business (i.e. delivering the
v) Ascertaining that management has implemented
promised value).
processes and practices that ensure that the IT
delivers value to the business. The Committee met 4 times during the year on the
following dates:
vi) Ensuring Investments represent a balance of risks
and benefits and that budgets are acceptable. 12.05.2021 28.09.2021 15.12.2021 21.03.2022
STRATEGY
Official Directors are rotated after every one year.
The Committee met 4 times during the year 2021-22 on the following dates:
NOTICE
Shri Vivek Wahi 4 4 01.04.2021-31.03.2022
Shri Rajeev Puri 4 4 01.04.2021-31.03.2022
Smt. Mini Ipe 0 1 01.04.2021-30.06.2021
Shri Dinesh Pangtey 2 3 01.07.2021-31.03.2022
Shri Pradip Pranlal Khimani 1 1 27.01.2022-31.03.2022
The details of Investor Grievances for the year 2021-22 (from 01.04.2021 to 31.03.2022) is as under:
REPORTS
3 Non Receipt of Dividend Warrants Nil
4 Non Receipt of Annual Report/EGM Notice Nil
5 Non Receipt of Refund Order Nil
6 Non Receipt of Rejected DRF’s Nil
7 Others (NSE, BSE, SEBI) 3
8 Total Grievances received 3
9 Total Grievances attended/resolved 3
10 Total complaints pending at the end of the year Nil
FINANCIALS
We confirm that no investors’ complaints remained un- of Directors, out of which not less than one-half shall
attended/pending for more than 30 days. be independent directors and should include at least
one member from Risk Management Committee of the
ix) Nomination and Remuneration Committee
Board, for undertaking a process of due diligence to
In terms of Government of India, Ministry of Finance, determine the ‘fit and proper’ status of the persons to
Department of Financial Services (DFS) communication be elected as directors under clause (i) of sub-section
no. F.No.16/19/2019-BO.I dated 30.08.2019 on PSB (3) of Section 9 of the Banking Companies (Acquisition
Governance Reforms on strengthening the Board and Undertakings) Act, 1970 and to consider
committee system read with Reserve Bank of India letter performance linked incentive to whole time directors.
No. RBI/DBR/2019-20/71 Master Direction DBR.Appt. As on 31.03.2022, As on 31.03.2022, Nomination and
No.9/29.67.001/2019-20 dated 02.08.2019, Bank on Remuneration Committee was comprised of Shri Pradip
30.09.2019 constituted a Nomination and Remuneration Pranlal Khimani as chairman, Shri Dinesh Pangtey, as
Committee by merging Nomination Committee and member and one position of member was vacant in the
Remuneration Committee, consisting of a minimum of committee. During the year, no meeting of Nomination
three non-executive directors from amongst the Board and Remuneration Committee was held. Board of
Directors’ exercised the powers of the Nomination and Remuneration Committee in its meeting dated 17.06.2021 as per
Clause 14A of Nationalised Bank (Management and Miscellaneous Provisions) Scheme, 1970 for determination of “Fit
and Proper” status of Shri Dinesh Pangtey, prospective candidate for the election of director of the Bank represented by
shareholders other than Central Government.
x) Vigilance Committee
The Bank is having Vigilance Committee to review vigilance disciplinary cases and departmental queries to be met on a
quarterly basis. The Committee consists of Managing Director & Chief Executive Officer as Chairman of the Committee
and Nominee Directors of Government of India and Reserve Bank of India as members of the committee.
The Committee met 4 times during the year on the following dates:
STRATEGY
Name of the Director Attendance Meetings held Period
Recorded during their tenure (From - To)
Shri M. V. Rao 4 4 01.04.2021-31.03.2022
Shri Alok Srivastava 4 4 01.04.2021-31.03.2022
Shri Vivek Wahi 4 4 01.04.2021-31.03.2022
Shri Rajeev Puri 4 4 01.04.2021-31.03.2022
Dr. Bhushan Kumar Sinha 1 4 01.04.2021-31.03.2022
Smt. Mini Ipe 1 1 01.04.2021-30.06.2021
Shri Dinesh Pangtey 1 3 01.07.2021-31.03.2022
Shri Pradip Pranlal Khimani 1 1 27.01.2022-31.03.2022
NOTICE
xiii) CAPITAL RAISING COMMITTEE
Bank is having Capital Raising Committee of the Board to decide and raise both Tier 1 and Tier 2 capital for the Bank and
takes all operative steps in connection therewith.
The Committee met 3 times during the year on the following dates:
REPORTS
Recorded during their tenure (From - To)
Shri M V Rao 3 3 01.04.2021-31.03.2022
Shri Alok Srivastava 3 3 01.04.2021-31.03.2022
Shri Vivek Wahi 3 3 01.04.2021-31.03.2022
Shri Rajeev Puri 3 3 01.04.2021-31.03.2022
xiv) REVIEW COMMITTEE FOR DECLARING OF NON CO-OPERATIVE BORROWER
In terms of the RBI Circular no RBI/2014-15/362 DBR NO.CID BC 54/ 20.16.064/2014-15 dated December 22, 2014.
Review Committee for Declaring of Non Co-operative Borrower was constituted. The Committee comprises of Managing
Director and Chief Executive Officer as Chairman of the Committee and two independent Directors Members.
FINANCIALS
The Role of the Committee is to review the order of the Internal Committee headed by an Executive Director and consisting
of General Managers-Credit Monitoring and Recovery as Members for classification of an account as Non-Cooperative
Borrower or not as per RBI Guidelines. During the year, no meeting of the Committee was held.
xv) COMMITTEE TO REVIEW THE ORDER OF COMMITTEE FOR IDENTIFICATION OF WILFUL DEFAULTERS
In terms of the RBI Notification RBI/2015-16/100 dated July 1, 2015, Review Committee for Identification of Wilful
Defaulters was constituted. The Committee comprises of Managing Director and Chief Executive Officer as Chairman
of the Committee and two Independent Directors as Members. The Role of the Committees to review the order of the
Internal Committee headed by an Executive Director and consisting of General Managers-Credit, Credit Monitoring and
Recovery as Members for identification of wilful Defaulters.
The Committee met one time during the year on 09.03.2022.
c. Display of requisite knowledge and expected Besides this during the financial year, sitting fees of
level of awareness of the bank and external ` 1,00,000/- each were paid to Shri C. P. Shrimali and
environment in meetings and comments Shri S. Sengupta for attending the meetings of Human
d. Contribution in terms of constructive ideas, Resource Committee of the Board and sitting fees of
guidance and knowledge for better decision ` 80,000/-to Prof. N. Balakrishnan for attending meetings
making and management of bank’s affairs of IT Strategy Committee of the Board.
During the financial year 2021-22, the following amounts Financial Express, Tarun Bharat, Jansatta, Loksatta
have been paid to the Managing Director and Chief etc. The results alongwith presentation to analysts,
Executive Officer and Executive Directors as total salary, press release on financial performance and official news
allowances and perks: releases were also uploaded on the Bank’s website at
www.centralbankofindia.co.in.
Sr. Name Rupees in
Lakh 8. Code of Conduct
1. Shri M V Rao, Managing Director & 31.67 The Bank has adopted a Code of Conduct for the Board
CEO of Directors and Senior Management has been approved
2. Shri Alok Srivastava, Executive 28.92 by the Board of Directors. Text of the same is available
STRATEGY
Director on website of the Bank i.e. www.centralbankofindia.co.in
3. Shri Vivek Wahi, Executive Director 27.26 under the link “Investor Relations”. All the Directors and
4. Shri Rajeev Puri, Executive Director 28.18 Senior Management have affirmed their Compliance
of code of conduct during the year under review and a
Total 116.03
certificate affirming the compliance is given in Annexure
4. Compliance Officer I.
Shri Anand Kumar Das, Deputy General Manager/Company The Bank has also framed a Code of Conduct for its
Secretary is the Compliance Officer of the Bank in terms of Directors and designated employees for prohibition
Securities and Exchange Board of India (Listing Obligations of insider trading in Bank’s security, copy of the same
and Disclosure Requirements) Regulations, 2015 for Equity is also available on website of the Bank i.e. www.
NOTICE
Shares and Non-convertible Debt Securities issued by the centralbankofindia.co.in under the link “Investor
Bank and listed at Stock Exchanges. Relations”.
REPORTS
Issues, Preferential Issues, etc during Bank during the year.
the financial year 2021-22 It is an established practice in the Bank that the Directors
Capital funds of ₹ 4800 crore was received from do not take part in the deliberations of the Board and
Government of India on 31.03.2021 towards preferential other Sub-Committees of the Board, when matters
allotment of equity shares. The amount was kept in relating to them or to their relatives are discussed. During
share application money account pending allotment the year, there was no materially significant related party
and considered as part of CET1 capital for financial transactions that may have potential conflict with the
year ended 31.03.2021 with the approval of Reserve interests of the Bank at large.
Bank of India. The resultant 280,53,76,972 equity The Bank has complied with applicable rules and
shares of ₹ 10 each was allotted to President of India FINANCIALS
regulations prescribed by RBI, SEBI, Stock Exchanges
(Government of India) at an issue price of ₹ 17.11 per or any other statutory authority relating to Capital
equity share including premium of ₹ 7.11 per equity Market. No penalties or strictures were imposed on
share on 29.05.2021. Though the paid up equity share the Bank by any of the Stock Exchanges, SEBI or any
capital of the Bank was increased in financial year ended statutory Authority on any matter relating to capital
31.03.2022, the increase in CET 1 capital was factored markets during the last 3 years.
in previous financial year ended 31.03.2021. Therefore,
no fresh capital infusion was considered in the financial The Bank has not traded in commodities during the F.Y.
year ended 31.03.2022. 2021-22 and hence the information on “Commodity
price risks and commodity hedging activities” is NIL.
7. Means of Communications Bank follows Central Vigilance Commission Guidelines
The quarterly financial results (unaudited but subject to on Whistle Blower complaints under Public Interest
limited review by Statutory Auditors) and audited Annual Disclosure and Protection of Informers (PIDPI)
Results were normally published in English, Hindi and resolution. Bank has a web based portal in the name
Marathi newspapers, such as, Business Standard, of “Cent e-Whistleblower” to facilitate reporting of
malpractices by Employees and Directors without the primary objective of augmenting and strengthening
revealing their identities, which would be known to capital adequacy ratio and for enhancing the long-term
the General Manager – Central Audit and Inspection. resources of the Bank. The funds raised, are being
Directors and Employees may also approach Chairman utilized for the above purpose.
of the Audit Committee of the Board directly. This may Policy for determining ‘material’ subsidiaries is available
help to curb malpractices, prevent frauds and boost up on website of the Bank at https://www.centralbankofindia.
morale of the employees. No personnel has been denied co.in/sites/default/files/documents/PolicyonSubsidiary.
access to the audit committee. pdf.
The Bank has complied with the stipulated requirement of Policy on dealing with related party transactions
SEBI (Listing Obligations and Disclosure Requirements) is available on website of the Bank at https://www.
regulations, 2015 read with Listing Agreement to the centralbankofindia.co.in/sites/default/files/RPT.pdf.
extent that the requirements of these regulations and
agreements do not violate the provision of Banking During the Financial Year 2021-22 total fees for all
Regulation Act, 1949, Banking Companies (Acquisition services paid by the listed entity and its subsidiaries,
and Transfer of Undertaking) Act, 1970 and Nationalised on a consolidated basis, to the statutory auditor and all
Banks (Management and Miscellaneous Provisions) entities in the network firm/network entity of which the
Scheme, 1970 and guidelines, provisions, regulations or statutory auditor is a part, was ` 30.82 crore (excluding
directives issued by Reserve Bank of India. GST).
Disclosures in relation to the Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal) Act,
2013:
Position for the year 2021-22
STRATEGY
10. Discretionary Requirements (Part E of Schedule II of SEBI Listing Regulations)
NOTICE
sent to shareholders. also posted on Bank’s website i.e. www.centralbankofindia.co.in
Also Financial results for the half year ended 30.09.2021 and financial
year ended 31.03.2022 was also emailed to shareholders.
3. Company may move towards regime of The Bank is having unqualified financial statements
unqualified financial statements
4. Reporting of Internal Auditor Internal Auditor is accountable to the Audit Committee of the Board.
REPORTS
Day and Date: Wednesday, 10th August, 2022 at 11:00 AM at head office of the Bank situated at Chandermukhi, Nariman
Point, Mumbai- 400 021 (deemed venue of the meeting) through Video Conference(VC) or Other Audio Visual Means
(OAVM).
1. The Annual General Meeting is relevant for the financial year 2021-22.
2. Date of Book Closure: 7th August, 2022 to 10th August, 2022. (Both days inclusive)
3. No dividend was recommended for the financial year 2021-22.
12. Details of General Body Meetings held during the last three years are given
herein below:
FINANCIALS
Sr. Nature of Meeting Date & Time Venue Business Performed
No.
1. Fourteenth Annual 10th August, Chandermukhi, Nariman 1. Approved and adopted the Audited Stand
General Meeting 2021 Point, Mumbai- 400 021 Alone and the Consolidated Balance Sheet
11:00 AM (deemed venue of the of the Bank as at 31st March, 2021, Stand
meeting) through Video Alone and Consolidated Profit and Loss
Conference(VC) or Other Account of the Bank for the year ended 31st
Audio Visual Means March, 2021, the report of the Board of
(OAVM) 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. Appropriation of accumulated losses as on
31.03.2021 from share premium account –
Special Resolution
5. Twelfth Annual 28th June, 9th Floor, Chandermukhi, 1. Approved and adopted the Audited Stand
General Meeting 2019 Nariman Point, Alone and the Consolidated Balance Sheet
12:00 Noon Mumbai – 400 021 of the Bank as at 31st March, 2019, Stand
Alone and Consolidated Profit and Loss
Account of the Bank for the year ended 31st
March, 2019, the report of the Board of
Directors on the working and activities of the
Bank for the period covered by the accounts
and the Auditors’ report on the Balance
Sheet and Accounts.
2. Approved raising of Capital through FPO/
Rights Issue/QIP etc. – Special Resolution
No special resolution was passed in last year through postal ballot and no special resolution is proposed to be conducted
through postal ballet.
The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes (Tier-II Capital)
from time to time. The relevant outstanding details thereof are as under:
Central Bank of India Tier-II Bonds - Capital position as on 31.03.2022
Series Particulars Issue date Total Value ISIN
(` in crore)
Basel III Complaint Sr I 08.11.2013 1000.00 INE483A09260
Basel III Complaint Sr II 07.03.2017 500.00 INE483A09278
Basel III Complaint Sr III 29.03.2019 500.00 INE483A09286
STRATEGY
Basel III Complaint Sr IV 30.09.2019 500.00 INE483A08023
Basel III Complaint Sr V 20.03.2020 500.00 INE483A08031
Total 3000.00
All these bonds are listed on BSE Ltd. The Bank has paid the Annual Listing fee for 2021-22 to the Exchange.
Market Price Data:
The monthly high and low quotation and the volume of shares traded on NSE (with comparison of share price of Bank with
NSE Nifty) are as under:
NSE
Month High Price Low Price No. of Shares NSE Nifty
NOTICE
(`) (`) High Low
April 2021 18.85 15.80 192444025 15044.35 14151.40
May 2021 19.65 16.05 232215360 15606.35 14416.25
June 2021 29.65 18.55 756594078 15915.65 15450.90
July 2021 29.10 23.40 278386982 15962.25 15513.45
August 2021 24.60 19.00 140595794 17153.50 15834.65
September 2021 25.15 20.30 183490586 17947.65 17055.05
October 2021 24.10 21.25 170326286 18604.45 17452.90
November 2021 23.70 19.80 122448957 18210.15 16782.40
REPORTS
December 2021 23.90 19.90 103639942 17639.50 16410.20
January 2022 22.75 20.00 96948134 18350.95 16836.80
February 2022 22.70 17.55 80074262 17794.60 16203.25
March 2022 19.55 17.50 57189954 17559.80 15671.45
The monthly high and low quotation and the no. of shares traded on BSE (with comparison of share price of Bank with
Sensex) are as under:
BSE
Month High Price Low Price No. of Shares SENSEX
(`) (`) High Low FINANCIALS
April 2021 18.90 15.80 24167212 50375.77 47204.50
May 2021 19.70 16.05 30847822 52013.22 48028.07
June 2021 29.65 18.50 106551481 53126.73 51450.58
July 2021 29.10 23.40 37860728 53290.81 51802.73
August 2021 24.65 19.00 26026060 57625.26 52804.08
September 2021 25.15 20.30 38219150 60412.32 57263.90
October 2021 24.05 21.30 21357921 62245.43 58551.14
November 2021 23.65 19.85 17925614 61036.56 56382.93
December 2021 23.85 19.90 17412107 59203.37 55132.68
January 2022 22.75 20.00 16342863 61475.15 56409.63
February 2022 22.70 17.50 13686076 59618.51 54383.20
March 2022 19.50 17.50 12586875 58890.92 52260.82
14. Share Transfers and Redressal of Saki Vihar Road, Saki Naka,
Andheri (E), Mumbai – 400 072
Shareholders’/Investors’ Grievances:
Ph: 022 – 28476020 / 6021 / 46049717 (D)
Share Transfers, Refund Order, Dividend payments and Email Id: helpdeskmum@mcsregistrars.com
all other investor related activities are attended to and
processed at the office of our Registrar and Transfer Debenture Trustee for listed non-convertible debt
Agents. For lodgment of any of these documents and for securities:
queries/complaints/ grievances, shareholders/ investors IDBI Trusteeship Services Limited
are requested to contact the Registrars at the following Asian Building, Ground Floor, 17,
address: R. Khemani Marg, Ballard Estate,
Registrar and Transfer Agent for Equity Mumbai – 400 001
Tel : 022-4080 7000
Shares:
Fax :022-66311776
Link Intime India Pvt. Ltd. E-mail ID :itsl@idbitrustee.com
C-101, 247 Park, LBS Marg, Vikhroli (West),
Mumbai – 400 083 Address for correspondence with the Bank:
Tel: 022-4918 6270 Company Secretary and Compliance officer
Fax: 022-4918 6060 Central Bank of India,
Email Id: rnt.helpdesk@linkintime.co.in 9th Floor, Chandermukhi,
Nariman Point, Mumbai 400 021
Registrar and Transfer Agent for listed non-
Contact No. 022- 6638 7575/7818
convertible debt securities:
Fax No.: 022- 2283 5198
MCS Share Transfer Agent Ltd Email id: dgmcompsec@centralbank.co.in;
K-215, 2nd Floor, Ansa Industrial Estate, investors@centralbank.co.in
15. DISTRIBUTION OF SHAREHOLDING
i) Distribution of shareholdings as on 31.03.2022 (Based on DP ID/Client ID and Folio Nos.)
DISTRIBUTION OF SHAREHOLDING (SHARES)
Shareholding of Shares Number of Percentage of Shares Percentage
shareholders Total of Total
1-500 289526 77.0227 37314453 0.4298
501-1000 36407 9.6854 31293310 0.3605
1001-2000 20114 5.3509 31829864 0.3667
2001-3000 8860 2.357 23489180 0.2706
3001-4000 4242 1.1285 15431305 0.1778
4001-5000 4923 1.3097 23807132 0.2742
5001-10000 8171 2.1737 59252048 0.6826
10001 and above 3654 0.9721 8458522140 97.4379
Total 375897 100.0000 8680939432 100.0000
ii) Share Holding of persons belonging to the category “Public” and holding more than 1% of the
total number of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY “PUBLIC” AND
HOLDING MORE THAN 1% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder No. of Shares %
Life Insurance Corporation of India 227021558 2.6152
ii) Share Holding of persons belonging to the category “Public” and holding more than 1% of the
total number of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY “PUBLIC” AND
HOLDING MORE THAN 5% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder No. of Shares %
Nil Nil Nil
STRATEGY
Foreign Portfolio Investors (Corporate) 9142463 0 31 0 9142463 0.1053
Hindu Undivided Family 9076431 0 5335 0 9076431 0.1046
G I C & Its Subsidiaries 6531875 0 4 0 6531875 0.0752
Non Resident Indians 3215377 121600 1094 1 3336977 0.0384
Clearing Members 2863704 0 147 0 2863704 0.033
Mutual Funds 2629442 0 8 0 2629442 0.0303
Non Resident (Non Repatriable) 1295504 0 712 0 1295504 0.0149
Body Corporate - Ltd Liability Partnership 519611 0 35 0 519611 0.006
Trusts 114566 0 15 0 114566 0.0013
NBFCs registered with RBI 59464 0 3 0 59464 0.0007
NOTICE
Nationalised Banks 32876 0 2 0 32876 0.0004
Non Nationalised Banks 19417 0 2 0 19417 0.0002
Government Companies 700 0 1 0 700 0
TOTAL : 8680787857 151575 375804 93 8680939432 100
v) Statement showing details of locked-in shares
Sr. Name of the Shareholder Number of locked-in shares Locked-in shares as a percentage
No. of total number of shares (i.e. Grand
Total of (A) + (B) + (C)
1. President Of India 5076470357 62.8246
REPORTS
2. Public 0 0
Total 5076470357 62.8246
vi) Statement showing details of Depository Receipts (DRs)
Sr. Type of outstanding DR Number of outstanding Number of shares Shares underlying
No. (ADRs, GDRs, SDRs, etc) DRs underlying outstanding outstanding DRs as a
DRs percentage of total number
of shares (i.e. Grand Total of
(A) + (B) + (C)
NIL NIL NIL NIL
FINANCIALS
vii) Statement showing holding of Depository Receipts (DRs) where underlying shares are in
excess of 1% of the total number of shares.
Sr. Name of the DR holder Type of outstanding DR Number of shares Shares underlying
No. (ADRs, GDRs, SDRs, etc) underlying outstanding outstanding DRs as a
DRs percentage of total number
of shares (i.e. Grand Total of
(A) + (B) + (C)
NIL NIL NIL NIL
viii) Dematerialization of Shares
The Bank’s shares are being traded compulsorily in Demat form. The Bank had already entered into agreements with
both the Depositories viz., National Securities Depositories Limited (NSDL) and Central Depository Services (India)
Ltd. (CDSL) for dematerialization of shares.
Particulars of shares in Demat and Physical form held by shareholders(Based on DP ID/Client ID and Folio Nos.) as
on 31.03.2022 are as under:
ANNEXURE I
Declaration of Compliance with Code of Conduct
I confirm that all Board Members and Senior Management have affirmed Compliance with the Bank’s Code of Conduct for the
financial year 2021-22.
Sd/-
Place : Mumbai [M V Rao]
Date : June 27, 2022 Managing Director and Chief Executive Officer
STRATEGY
This is to certify that:
d. We have indicated to the Auditors and the Audit
committee:
a. We have reviewed Financial Statements of Central Bank
of India for the Quarter and Year ended March 31, 2022 I. Significant changes in internal control over financial
and to the best of our knowledge and belief: reporting during the Quarter and Year ended March
31, 2022.
I. These Statements do not contain any materially
untrue statement or omit any material fact or II. There is no significant changes in accounting policies
contain statements that might be misleading. during the Quarter and Year ended March 31, 2022
and the same have been disclosed in the notes to
II. These Statements together present a true and fair
the financial statement and,
view of the Bank’s affairs and are in compliance
NOTICE
with existing Accounting Standards, applicable law III. Instances of significant fraud of which we have
and regulations. become aware and the involvement therein, if
any, of the Management or any employee having
b. There are, to the best of our knowledge and belief, no
a significant role in the Bank’s Internal Control
transactions entered into by the Bank during the Quarter
System over financial reporting.
and Year ended March 31, 2022, which is fraudulent,
illegal or violative of the Bank’ s code of conduct.
c. We accept responsibility for establishing and maintaining (MUKUL N. DANDIGE) (M V RAO)
internal controls for the financial reporting and that we GENERAL MANAGER – MANAGING DIRECTOR
have evaluated the effectiveness of the internal control F&A & CFO & CEO
systems of the Bank pertaining to financial reporting
REPORTS
and we have disclosed to the auditors and the Audit Place : Mumbai
Committee, deficiencies in the design or operation of Date : May 09, 2022
FINANCIALS
STRATEGY
c. A brief on types of customers -
Our Bank is dealing with customers who are associated with Bank in any arrangement like Depositor, Borrower,
Service provider, Government Service Provider, etc.
IV. Employees
18. Details as the end of Financial Year 2021-22 -
a. Employees (including differently abled):-
S. Particulars Total (A) Male Female
No. No. (B) % (B/A) No. (C) % (C/A)
EMPLOYEES
NOTICE
1. Permanent (D) 30289 22915 75.65 7374 24.35
2. Other than Permanent (E) 00 00 00 00 00
3. Total employees (D + E) 30289 22915 75.65 7374 24.35
b. Differently abled Employees:-
S. Particulars Total (A) Male Female
No. No. (B) % (B/A) No. (C) % (C/A)
DIFFERENTLY ABLED EMPLOYEES
1. Permanent (D) 812 656 80.78 156 19.22
REPORTS
2. Other than Permanent (E) 00 00 00 00 00
3. Total differently abled 812 656 80.78 156 19.22
employees (D + E)
19. Participation/inclusion/representation of women –
Total (A) No. and percentage of Females
No. (B) % (B/A)
Board of Directors 8 Nil Nil
Key Management Personnel 11 1 9.09% FINANCIALS
20. Turnover rate for permanent employees –
FY 2020 FY 2021 FY 2022
Male Female Total Male Female Total Male Female Total
Permanent Employees 1.4% 1.9% 1.6% 1.4% 2.1% 1.7% 2.4% 2.5% 2.5%
STRATEGY
Fintech empowering the next activity has of newer
companies generation of consumers inherent risks, technology will
for delivering who are highly tech-savvy however with help any bank to
financial and have greater financial appropriate provide financial
services. literacy but had a paucity of risk mitigates in services across
time. These customers can place, the risk the ecosystem
avail the services on the go. can be reduced even without
With the enablers like the substantially. having a brick
use of Artificial intelligence and mortar
for credit decisions based structure more
on algorithms, APIs for swiftly and
NOTICE
e-documentation, and enhance its
system integrations any asset/liability
bank can excel and deliver portfolio.
the desired services and can
enhance its asset/liabilities
portfolios.
2. Sustainable Opportunity Green Deposits will help Green deposit is Positive:
Development enhance Central Bank of offered at special Safeguarding
Goals India’s participation in rates which are our environment
-“Green Fixed projects directly supporting above other fixed from climate
REPORTS
Deposits” United Nations’ Sustainable deposit rates. change is the
Development Goals (SDGs) need of the hour.
and empower our depositors Hence there is
to opt for financial products immense scope
that have a positive impact to increase
on the environment, and the green deposits
society at large. in the country.
3. Green Opportunity The government often Access to a Positive:
Financing employs SDGs as a diversified pool
Immense scope
framework to achieve a more of green finance FINANCIALS
to build a larger
sustainable future for all and like water
green Portfolio.
companies are increasingly management,
setting the corporate target waste
to align with those SDGs. management,
affordable green
Encourage dealers to sell
housing, green
more electric vehicles by
vehicle financing,
providing incentives to
etc.
dealers and sales executives.
Charging lower interest rates
on electrical vehicle loans
than fossil fuel vehicle loans
to attract more customers.
P1 Businesses should conduct and govern themselves with integrity in a manner that is ethical, transparent and
accountable
P2 Businesses should provide goods and services in a manner that is sustainable and safe
P3 Businesses should respect and promote the well-being of all employees, including those in their value chains
P4 Businesses should respect the interests of and be responsive towards all its stakeholders
P5 Businesses should respect and promote human rights
P6 Businesses should respect, protect and make efforts to restore the environment
P7 Businesses when engaging in influencing public and regulatory policy, should do so in a manner that is responsible
and transparent
P8 Businesses should promote inclusive growth and equitable development
P9 Businesses should engage with and provide value to their consumers in a responsible manner
This section is aimed at helping businesses demonstrate the structures, policies and processes put in place towards adopting
the NGRBC Principles and Core Elements.
Disclosure Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
Policy and management processes
1. a. Whether your entity’s policy/policies Yes Yes Yes Yes Yes Yes Yes Yes Yes
cover each principle and its core
elements of the NGRBCs. (Yes/No)
b. Has the policy been approved by the Yes Yes Yes Yes Yes Yes Yes Yes Yes
Board? (Yes/No)
c. Web Link of the Policies, if available https://www.centralbankofindia.co.in/
Some policies may also include a combination of internal policies
of the Bank which are accessible to all internal stakeholders and
policies placed on the Bank’s website.
2. Whether the entity has translated the policy Yes. The Bank has translated the policies as applicable and
into procedures. (Yes/No) adapted the same into procedures and practices in all spheres
of activities that the Bank undertakes.
3. Do the enlisted policies extend to your value Yes. The Bank’s Code of Conduct largely adopts the above-
chain partners? (Yes/No) mentioned principles and the Bank expects its stakeholders to
adhere to the same in all their dealings.
4. Name of the national and international codes/ Not Applicable.
certifications/labels/ standards (e.g. Forest
Stewardship Council, Fairtrade, Rainforest
Alliance, Trustea) standards (e.g. SA 8000,
OHSAS, ISO, BIS) adopted by your entity and
mapped to each principle.
5. Specific commitments, goals and targets set No any specific target is being set under the aforesaid policies.
by the entity with defined timelines, if any. However, compliance with these principle/s is our commitment
and goal.
6. Performance of the entity against the specific Not Applicable.
commitments, goals and targets along-with
reasons in case the same are not met.
Disclosure Questions P1 P2 P3 P4 P5 P6 P7 P8 P9
Governance, leadership and oversight
7. Statement by director responsible for the business responsibility report, highlighting ESG related challenges, targets
and achievements (listed entity has flexibility regarding the placement of this disclosure)
The Bank aims to enhance financial inclusion in the country. The Bank’s commitment to ESG standards is
best reflected in its core principles, which are ingrained in all aspects of its operations. Kindness, fairness,
efficacy, and efficiency are the foundation ideals of the Bank. Sound governance standards, according
to the Bank, are a key instrument for creating long-term value for all of its stakeholders and promoting
STRATEGY
sustainability. One of the Bank’s fundamental and core values is respect for human rights. Climate change is
not only an environmental issue, but also a business risk, according to the Bank. In its lending policies, the
Bank is boosting its due diligence on social and environmental impact.
8. Details of the highest authority responsible for Shri Rajeev Puri,
implementation and oversight of the Business Executive Director
Responsibility policy (ies).
9. Does the entity have a specified Committee of Yes, All committees look after the sustainability related issues
the Board/ Director responsible for decision as per their agenda specific requirement.
making on sustainability related issues? (Yes
/ No). If yes, provide details.
10. Details of Review of NGRBCs by the Bank
NOTICE
Subject for Review Review of principles undertaken by and frequency
P1 P2 P3 P4 P5 P6 P7 P8 P9
Performance against above policies and As a practice, BR policies of the Bank are reviewed periodically
follow up action or on a need basis by department heads and competent
authority. During this assessment, the efficacies of the policies
are reviewed and necessary changes to policies and procedures
are implemented.
Compliance With statutory requirements of The Bank is in compliance with the extant regulations as
relevance to the principles, and, rectification applicable.
of any non-compliances
REPORTS
11. Has the entity carried out independent No
assessment/ evaluation of the working of its
policies by an external agency? (Yes/No). If
yes, provide name of the agency.
12. If answer to question (1) above is “No” i.e. not all Principles are covered by a policy, reasons to be stated: Not Applicable
2. Details of fines / penalties /punishment/ award/ compounding fees/ settlement amount paid in proceedings (by the
entity or by directors / KMPs) with regulators/ law enforcement agencies/ judicial institutions, in the financial year, in
the following format
(Note: the entity shall make disclosures on the basis of materiality as specified in Regulation 30 of SEBI (Listing
Obligations and Disclosure Obligations) Regulations, 2015 and as disclosed on the entity’s website):
Monetary
NGRBC Name of the Amount Brief of the Preferred (Yes/No)
Principle regulatory/ (In INR) Case
enforcement
agencies/judicial
institutions
Penalty/Fine Penalty/Fine/Settlement/Compounding fee, if any paid by the Bank is not material as per the
Settlement Materiality policy of the Bank. Stock exchange disclosures in this regard are being hosted
Compounding fee on the Bank’s website.
Non-Monetary
NGRBC Name of the regulatory/enforcement Brief of the Has as appeal been
Principle agencies/judicial institutions Case preferred? (Yes/No)
Imprisonment Nil Nil Nil Nil
Punishment Nil Nil Nil Nil
3. Of the instances disclosed in Question 2 above, details of the Appeal/ Revision preferred in cases where monetary or
non-monetary action has been appealed.
STRATEGY
law enforcement agencies/ judicial institutions, on cases of corruption and conflicts of interest.
Nil
1. Awareness programmes conducted for value chain partners on any of the Principles during the financial year:
Total number of awareness Topics / principles covered %age of value chain partners
programmes held under the training covered (by value of business
done with such partners) under
the awareness programmes
Nil Nil Nil
2. Does the entity have processes in place to avoid/ manage conflict of interests involving members of the Board?
NOTICE
(Yes/No) If Yes, provide details of the same.
The Bank is committed towards conducting the business and dealing with all its stakeholders, with
highest ethical standards and in compliance with all the applicable laws and regulations. We also have
a comprehensive policy on Code of Ethics, Business Conduct & Conflict of Interest.
https://www.centralbankofindia.co.in/sites/default/files/documents/ANNEX_I_CODE_OF_ETHICS_
BUSINESS_CONDUCT_CONFLICT_OF_INTEREST.pdf
REPORTS
RINCIPLE 2 Businesses should provide goods and services in a manner that is
P
sustainable and safe
Essential Indicators
1. Percentage of R&D and capital expenditure (capex) investments in specific technologies to improve the environmental
and social impacts of product and processes to total R&D and capex investments made by the entity, respectively.
Not Applicable
Given the nature of business of the Bank, the relevance of the above is largely restricted to information
technology (IT) capex. In FY22, Capex incurred towards IT hardware and software, which facilitated the
enhanced digital initiatives of the Bank was 1.68% of total revenue. Greater adoption of digital platforms
FINANCIALS
not only brings in increased efficiencies of operations but also ensures substantially reduced consumption
of paper.
Current Previous Details of improvements in environmental and social
Financial Year Financial Year impacts
R&D NA NA NA
Capex NA NA NA
2. a. Does the entity have procedures in place for sustainable sourcing? Yes
b. If yes, what percentage of inputs were sourced sustainably?
4. Whether Extended Producer Responsibility (EPR) is applicable to the entity’s activities (Yes / No). If yes, whether the
waste collection plan is in line with the Extended Producer Responsibility (EPR) plan submitted to Pollution Control
Boards? If not, provide steps taken to address the same.- Not Applicable
Leadership Indicators
1. Has the entity conducted Life Cycle Perspective / Assessments (LCA) for any of its products (for manufacturing
industry) or for its services (for service industry)?
No
If yes, provide details in the following format?
NIC Code Name of % of total Boundary Whether Results
Product/Service Turnvoer for which the conducted by communicated
contributed Life Cycle independent in public domain
Perspective / external agency (Yes/No) If yes,
Assessment was (Yes/No) provide the web-
conducted link.
Not Applicable
2. If there are any significant social or environmental concerns and/or risks arising from production or disposal of your
products / services, as identified in the Life Cycle Perspective / Assessments (LCA) or through any other means,
briefly describe the same along-with action taken to mitigate the same. – Not Applicable
3. Percentage of recycled or reused input material to total material (by value) used in production (for manufacturing
industry) or providing services (for service industry). - Not Applicable
4. Of the products and packaging reclaimed at end of life of products, amount (in metric tonnes) reused, recycled, and
safely disposed, as per the following format: Not Applicable
5. Reclaimed products and their packaging materials (as percentage of products sold) for each product category - Not
Applicable
STRATEGY
Gratuity 30289 (100%) N.A. N.A. 32335 (100%) N.A. N.A.
ESI N.A. N.A. N.A. N.A. N.A. N.A.
NPS 11342 (37.44%) N.A. N.A 13079 (40.44%) N.A. N.A.
Others 18832 (62.17%) Y 19117 (59.11%) Y
3. Accessibility of workplaces
Are the premises/offices of the entity accessible to differently-abled employees and workers, as per the requirements of
the Rights of Persons with Disabilities Act, 2016? If not, whether any steps are being taken by the entity in this regard.
Various branches/offices of our Bank, have ramps/lifts for easy movement of differently-abled people. Most of
NOTICE
our branches/ offices are located either on the ground floor or have elevators and infrastructure for differently-
abled individuals.
4. Does the entity have an equal opportunity policy as per the Rights of Persons with Disabilities Act, 2016? If so, provide a
web link to the policy.
Yes, in keeping with the provisions of the Rights of Person with Disabilities Act 2016, our Bank has formulated
an “Equal Opportunity Policy” which bestows special attention to the differently-abled persons and aims at
creating employment opportunities for people with disabilities and also creating for them a conducive working
environment free from any kind of discrimination.
The Equal Opportunity Policy of Central Bank of India is applicable to all the differently-abled employees of
the Bank without any discrimination, on the grounds of age, colour, marital status, physical ability, nationality,
REPORTS
race, religion, sex, sexual orientation, or any other relevant for the purpose.
The policy can be accessed online through the following link
https://centralbankofindia.co.in/sites/default/files/CBoI_Equal_Opportunity_Policy.pdf
5. Return to work and Retention rates of permanent employees and workers that took parental leave.
Yes/No
(If Yes, then give details of the
mechanism in brief)
Permanent Workers N.A
Other than Permanent Workers N.A
Permanent Employees Yes (Bank has a well-defined and structured Grievance
Redressal Mechanism in place for all its Employees)
Other than Permanent Employees N.A
7. Membership of employees and worker in association(s) or Unions recognised by the listed entity:
Bank also strictly adhered to all the government directives and advisories issued from time to time.
Employees with disabilities, Pregnant Women Employees were advised to work from Home. Employees
in administrative offices were also advised to work on rotational basis to ensure employee safety and
business continuity.
c. Whether you have processes for workers to report the work related hazards and to remove themselves from such
risks. (Y/N)
Given the nature of business, this is not directly applicable. However, in light of the Covid-19 pandemic, the
Bank has necessary protocols and systems in place to ensure employees’ safety is not compromised at the
workplace. All Administrative Offices had organized vaccination camps for its employees & dependents
STRATEGY
in an endeavor to urge all employees and their families to get vaccinated. Reimbursement of cost of the
vaccine was also provided to employees & their dependents.
d. Do the employees/ worker of the entity have access to non-occupational medical and healthcare services? (Yes/ No)
All Employees of Bank are covered under Group Health Insurance policy as envisaged by IBA. Expenses
incurred over and above the sum insured are also covered under Corporate Buffer subject to availability
and its terms & conditions.
11. Details of safety related incidents, in the following format:
NOTICE
Financial Year Financial Year
Lost Time Injury Frequencies Rate (LTIFR) (per one Employees NIL NIL
million - person hours worked) Workers NIL NIL
Total recordable work-related injuries Employees NIL NIL
Workers NIL NIL
No. of fatalities Employees NIL NIL
Workers NIL NIL
High consequence work-related injury or ill-health Employees NIL NIL
(excluding fatalities) Workers NIL NIL
REPORTS
12. Describe the measures taken by the entity to ensure a safe and healthy work place.
All Employees of Bank are covered under the Group Health Insurance policy as envisaged by IBA. In case
the limit is exhausted, there is also a facility of Corporate Buffer as defined under the provisions of the 10th
Bipartite Settlement.
In case of injuries sustained while on duty, all other expenses not covered under Medical Insurance Scheme
are borne by the bank. Special Leave is also provided to such employees during the period of hospitalization.
To prevent the spread of COVID-19, Bank took necessary precautions at all its branches/ offices, which included
sanitization facilities, social distancing, installation of thermal scanners, removal of biometric scanners etc.
Detailed standard operating procedures and guidelines/advisories were issued periodically to the employees
FINANCIALS
of the Bank. The Bank strictly adhered to directives issued by the government/local authorities pertaining to
COVID-19.
13. Number of Complaints on the following made by employees and workers:
Leadership Indicators
1. Does the entity extend any life insurance or any compensatory package in the event of death of
(A) Employees (Y/N) - Yes. The Bank offers an ex-gratia amount of ` 30000/- as funeral expenses to the family
of the deceased immediately upon intimation of death. In addition, Bank may offer the compassionate
appointment to the spouse/dependent of the deceased employee as per terms & conditions of the Banks
Compassionate Appointment Policy. Terminal Benefits like provident fund, gratuity, PL encashment etc.
are settled on a priority basis. The Bank assists the family in exercising such options.
(B) Workers (Y/N). – Not Applicable
2. Provide the measures undertaken by the entity to ensure that statutory dues have been deducted and deposited by
the value chain partners.
Not Applicable
3. Provide the number of employees/workers having suffered high consequence work-related injury / ill-health / fatalities
(as reported in Q11 of Essential Indicators above), who have been rehabilitated and placed in suitable employment
or whose family members have been placed in suitable employment.
Data related to ill-health/ injury is not maintained since any expenses arising out of the same are being
settled under Group Health Insurance Scheme.
Total no. of affected employees/ workers No. of employees/workers that are rehabilitated
and placed in suitable employment or whose
family members have been placed in suitable
employment
Financial Year 2021- Financial Year 2020- Financial Year 2021- Financial Year 2020-
22 21 22 21
Employees Nil Nil Nil Nil
Workers NA NA NA NA
4. Does the entity provide transition assistance programs to facilitate continued employability and the management of
career endings resulting from retirement or termination of employment? - No
5. Details on assessment of value chain partners:
PRINCIPLE 4: Businesses should respect the interests of and be responsive to all its
stakeholders
Essential Indicators
1. Describe the processes for identifying key stakeholder groups of the entity.
There is not any specific process for identifying such groups, however, those who are availing our banking
product or services including employee and shareholders are considered as stakeholder.
2. List stakeholder groups identified as key for your entity and the frequency of engagement with each stakeholder group.
Stakeholder Whether Channels of communication (Email, Frequency of Purpose and scope of
Group identified as SMS, Newspaper, Pamphlets, engagement (Annually/ engagement including
STRATEGY
Vulnerable & Advertisement, Community Half yearly/ Quarterly / key topics and concerns
Marginalized Meetings, Notice Board, Website), others – please specify) raised during such
Group (Yes/ Other engagement
No)
Employees No Email, SMS, newspaper Frequent and need -
advertisement, notice board, website, based
Annual General Meetings, intimation
to stock exchanges, annual/ quarterly
financials and investors meetings/
conferences
Shareholders No Email, SMS, newspaper Frequent and need To stay updated for the
advertisement, notice board, website, based developments in the Bank
NOTICE
Annual General Meetings, intimation
to stock exchanges, annual/ quarterly
financials and investors meetings/
conferences
Customers No Letter, Email, Meetings Frequent and need Better services and
based marketing
Channel Partners NA NA NA NA
and Key Partners
Reserve Bank of No Letter, Email, Meetings Engagement through • Performance of the
India Letters, Emails are on Bank.
REPORTS
regular basis. Meetings
are conducted on • Risk and Compliance
Monthly/Bi-monthly/ issues and measures
Quarterly basis or as taken for its mitigation.
and when required.
Government of No Letter , Email , Meetings Engagement through • Performance of the
India Letters, Emails are on Bank.
regular basis. Meetings
are conducted as and • Compliance of
when required. Regulatory/ Statutory
guidelines.
Communities and NA NA NA NA FINANCIALS
NGOs
Leadership Indicators
1. Provide the processes for consultation between stakeholders and the Board on economic, environmental, and social
topics or if consultation is delegated, how is feedback from such consultations provided to the Board.
Consultation between stakeholders and the Bank on various economic and other topics is through various
meetings.
2. Whether stakeholder consultation is used to support the identification and management of environmental, and social
topics (Yes / No). If so, provide details of instances as to how the inputs received from stakeholders on these topics were
incorporated into policies and activities of the entity.
Inputs and suggestions of shareholders are being incorporated into the policies and activities wherever
considered feasible.
3. Provide details of instances of engagement with, and actions taken to, address the concerns of vulnerable/ marginalized
stakeholder groups.
Not Applicable
2. Details of minimum wages paid to employees and workers, in the following format:
Category FY 2021-22 Current Financial Year FY 2020-21 Previous Financial Year
Total (A) No. of %(B/A) Total (C) No. of %(D/C)
employees/ employees/
workers workers
covered (B) covered (D)
Employees
Permanent 30289 30289 100% 32335 32335 100%
Male 22915 22915 100% 24522 24522 100%
Female 7374 7374 100% 7813 7813 100%
Other than permanent N.A N.A N.A N.A N.A N.A
Male N.A N.A N.A N.A N.A N.A
Female N.A N.A N.A N.A N.A N.A
4. Do you have a focal point (Individual/ Committee) responsible for addressing human rights impacts or issues caused or
contributed to by the business? No
5. Describe the internal mechanisms in place to redress grievances related to human rights Issues.
The Bank is committed to conducting business and dealing with all its stakeholders and staff with the highest
ethical standards and in compliance with all applicable regulations. We ensure to maintain a healthy and safe
environment for our workforce irrespective of their caste, Gender, Work, designation etc. Representations
received on the platform of Human rights are dealt with fairly and transparently at the Regional and Zonal level.
Bank has constituted a Board for review and assessment of all representation received on a quarterly basis.
Bank has also policy on code of ethics, Business conduct, and conflict of Interest and has “Zero tolerance”
for any deviation in the provision of the said policy.
STRATEGY
6. Number of Complaints on the following made by employees and workers:
FY 2021-22 Current Financial Year FY 2020-21 Previous Financial Year
Filed during Pending Remarks Filed during Pending Remarks
the year resolution the year resolution
at the end of at the end of
year year
Sexual Harassment 12 6 2 2 Complaint
disposed of in
FY 21-22
Discrimination at workplace 0 0 0 0 0 0
NOTICE
Child Labour 0 0 0 0 0 0
Wages 0 0 0 0 0 0
Other human
Rights related
issues 0 0 0 0 0 0
7. Mechanisms to prevent adverse consequences to the complainant in discrimination and harassment cases.
Committee has been constituted at all Regional offices and Zonal offices under the provisions of POSH Act, 2013.
8. Do human rights requirements form part of your business agreements and contracts? Yes
REPORTS
9. Assessments for the year:
% of your plants and offices that were assessed
(by entity or statutory authorities orthird parties)
Child labour Nil
Forced/involuntary labour Nil
Sexual harassment Nil
Discrimination at workplace Nil
Wages Nil
Others – please specify Nil FINANCIALS
Leadership Indicators
1. Details of a business process being modified / introduced as a result of addressing human rights grievances/complaints.
No complaints have been received under human rights grievances/complaints.
2. Details of the scope and coverage of any Human rights due-diligence conducted.
The Bank endeavours to maintain a safe environment alongwith providing equal opportunity to all the staff
members. Issues related to discrimination based on sex, gender, nationality, religion, disability, language
etc. are subject to free and neutral scrutiny based on the nature of the issue as per provisioning of the Bank’s
Policy and regulatory stipulations the same is being resolved as per applicable policy, laws, and regulations.
3. Is the premise/office of the entity accessible to differently-abled visitors, as per the requirements of the Rights of Persons
with Disabilities Act, 2016?
Various branches/offices of our Bank, have ramps/lifts for easy movement of differently-abled people. Most
of our branches/ offices are located either on the ground floor or have elevators and infrastructure for
differently-abled individuals.
5. Provide details of any corrective actions taken or underway to address significant risks / concerns arising from the
assessments at Question 4 above. Not Applicable
PRINCIPLE 6: Businesses should respect and make efforts to protect and restore the
environment
Essential Indicators
1. Details of total energy consumption (in Joules or multiples) and energy intensity, in the following format:
Parameter FY 2021-22 FY 2020-21
Current Financial Year Previous Financial Year
Total electricity consumption (A) 597.03 lakh kwh 598.06 lakh kwh
Total fuel consumption (B) NIL NIL
Energy consumption through other sources (C) NIL NIL
Total energy consumption (A+B+C) 597.03 lakh kwh 598.06 lakh kwh
Energy intensity per rupee of turnover (Total electricity N/A N/A
consumption / turnover in rupees)
2. Does the entity have any sites / facilities identified as designated consumers (DCs) under the Performance, Achieve
and Trade (PAT) Scheme of the Government of India? (Y/N) If yes, disclose whether targets set under the PAT scheme
have been achieved. In case targets have not been achieved, provide the remedial action taken, if any. No
3. Provide details of the following disclosures related to water, in the following format:
The Bank’s usage of water is restricted to human consumption purposes only. Efforts have been made to
ensure that water is consumed judiciously in the office premises. The Corporation ensures that the domestic
waste (sewage) from office and branches are not let into water bodies.
4. Has the entity implemented a mechanism for Zero Liquid Discharge? If yes, provide details of its coverage and
implementation.
No
5. Please provide details of air emissions (other than GHG emissions) by the entity, in the following format: Not Applicable
6. Provide details of greenhouse gas emissions (Scope 1 and Scope 2 emissions) & its intensity, in the following format:
Not Applicable
7. Does the entity have any project related to reducing Green House Gas emission? If Yes, then provide details. Not
Applicable
8. Provide details related to waste management by the entity, in the following format:
STRATEGY
Radioactive waste (F)
Other Hazardous waste. Please specify, if any. (G)
Other Non-hazardous Waste generated (H). Please specify,
if any. (Break-up by composition i.e. by materials relevant to
the sector)
Total (A+B + C + D + E + F + G + H) 806.55 759.25
*Wastes are disposed off through authorized re-sellers.
** Weight wise data not available.
9. Briefly describe the waste management practices adopted in your establishments. Describe the strategy adopted by
NOTICE
your company to reduce usage of hazardous and toxic chemicals in your products and processes and the practices
adopted to manage such wastes.
Wastes are disposed off through authorized re-sellers as per guidelines. Equipment used are compliant to
latest guidelines. No usage of hazardous and toxic chemicals in our products.
10. If the entity has operations/offices in/around ecologically sensitive areas (such as national parks, wildlife sanctuaries,
biosphere reserves, wetlands, biodiversity hotspots, forests, coastal regulation zones etc.) where environmental
approvals / clearances are required, please specify details in the following format: Not Applicable
11. Details of environmental impact assessments of projects undertaken by the entity based on applicable laws, in the
current financial year: Not Applicable
REPORTS
12. Is the entity compliant with the applicable environmental law/ regulations/ guidelines in India; such as the Water
(Prevention and Control of Pollution) Act, Air (Prevention and Control of Pollution) Act, Environment protection act and
rules thereunder (Y/N). If not, provide details of all such non-compliances, in the following format: Yes
Leadership Indicators
1. Provide break-up of the total energy consumed (in Joules or multiples) from renewable and non-renewable sources, in
the following format:
Parameter FY 2021-22 FY 2020-21
Current Financial Year Previous Financial Year
From renewable sources FINANCIALS
Total electricity consumption (A) Nil Nil
Total fuel consumption (B) Nil Nil
Energy consumption through other sources (C) Nil Nil
Total energy consumed from renewable sources (A+B+C) Nil Nil
From non-renewable sources
Total electricity consumption (D) 597.03 lakh kwh 598.06 lakh kwh
Total fuel consumption (E) Nil Nil
Energy consumption through other sources (F) Nil Nil
Total energy consumed from renewable sources (D+E+F) 597.03 lakh kwh 598.06 lakh kwh
3. Water withdrawal, consumption and discharge in areas of water stress (in kilolitres): Not Applicable
4. Please provide details of total Scope 3 emissions & its intensity, in the following format: Not Applicable
5. With respect to the ecologically sensitive areas reported at Question 10 of Essential Indicators above, provide details
of significant direct & indirect impact of the entity on biodiversity in such areas along-with prevention and remediation
activities. Not Applicable
6. If the entity has undertaken any specific initiatives or used innovative technology or solutions to improve resource
efficiency, or reduce impact due to emissions / effluent discharge / waste generated, please provide details of the same
as well as outcome of such initiatives: Not Applicable
7. Does the entity have a business continuity and disaster management plan? Give details in 100 words/ web link.
Yes, Our Bank has a Board approved BCP/ DR policy and it is circulated to all concerned for implementation.
Each Department has identified its critical business functions and had a plan of action for resumption &
recovery of critical Business processes in case of any eventuality/ disaster. The DR drills are being conducted
by respective Departments for ensuring the robustness of the DR arrangements. Each branch has identified
& linked to two nearby branches and are mapped by ROs to ensure the immediate start of all business
activity of the Branch affected vide Circular no. 2986 dated 04.02.2022. The DR Drills are being carried out
at periodic intervals for ensuring robust working of critical systems. The result of the DR drills is recorded
& is being shared to respective verticals to take appropriate remedial /recovery measures.
8. Disclose any significant adverse impact to the environment, arising from the value chain of the entity. What mitigation
or adaptation measures have been taken by the entity in this regard?
No Adverse impact on the environment.
9. Percentage of value chain partners (by value of business done with such partners) that were assessed for environmental
impacts. Not Applicable
STRATEGY
1. Indian Banks Association (IBA) National
2. Indian Institute of Banking and Finance (IIBF) National
3. Institute of Banking Personnel Selection (IBPS) National
4. National Institute of Bank Management (NIBM) National
5. National Payment Corporation of India (NPCI) National
6. International Chamber of Commerce (ICC) National
7. Foreign Exchange Dealers Association of India (FEDAI) National
8. Fixed Income Money Market and Derivatives Association National
(FIMMDA)
NOTICE
9. Clearing Corporation of India Ltd. (CCIL) National
2. Provide details of corrective action taken or underway on any issues related to anticompetitive conduct by the entity,
based on adverse orders from regulatory authorities.
Name of authority Brief of the case Corrective action taken
Nil
Leadership Indicators
1. Details of public policy positions advocated by the entity:
REPORTS
S. Public policy advocated Method Whether Frequency of Web Link, if available
No. resorted information Review by Board
for such available (Annually/ Half
advocacy in public yearly/ Quarterly
domain? / Others – please
(Yes/No) specify)
1. KYC-AML Policy Bank's YES ANNUAL https://www.
2. Government Business Policy Internal Policy YES ANNUAL centralbankofindia.co.in/
en
3. Cheque Collection Policy YES ANNUAL
FINANCIALS
4. Policy on Bank Deposits YES ANNUAL
5. Policy on Safe Deposit Locker YES ANNUAL
6. Record Maintenance Policy YES ANNUAL
1. Details of Social Impact Assessments (SIA) of projects undertaken by the entity based on applicable laws, in the current
financial year. Not Applicable
2. Provide information on project(s) for which ongoing Rehabilitation and Resettlement (R&R) is being undertaken by your
entity, in the following format: Not Applicable
3. Describe the mechanisms to receive and redress grievances of the community.
Grievance redressing mechanism is in place as per policy.
4. Percentage of input material (inputs to total inputs by value) sourced from suppliers:
No such data available.
Leadership Indicators
1. Provide details of actions taken to mitigate any negative social impacts identified in the Social Impact Assessments
(Reference: Question 1 of Essential Indicators above): No negative social impact reported.
2. Provide the following information on CSR projects undertaken by your entity in designated aspirational districts as identified
by government bodies: Not applicable
3. (a) Do you have a preferential procurement policy where you give preference to purchase from suppliers comprising
marginalized /vulnerable groups? Yes
(b) From which marginalized /vulnerable groups do you procure? Micro & Small Enterprises
(c) What percentage of total procurement (by value) does it constitute? No such data available
4. Details of the benefits derived and shared from the intellectual properties owned or acquired by your entity (in the current
financial year), based on traditional knowledge: Not Available
5. Details of corrective actions taken or underway, based on any adverse order in intellectual property related disputes
wherein usage of traditional knowledge is involved. Not Available
6. Details of beneficiaries of CSR Projects: Not Available
PRINCIPLE 9 Businesses should engage with and provide value to their consumers in
a responsible manner
Essential Indicators
1. Describe the mechanisms in place to receive and respond to consumer complaints and feedback.
Grievance Redressal Mechanism:
To meet the needs of the Bank, the Grievance Redressal Mechanism has been improved. At each level of the
Grievance Redressal Mechanism, duties and responsibilities have been clearly recognised and defined. To
speed up the grievance redressal process, mechanisms for resolving complaints and Standard Operating
Procedures have been created at all levels.
Grievance Redressal Policy: -
This policy aims at minimizing instances of customer complaints and grievances through proper service
delivery and review mechanisms and to ensure prompt redressal of customer complaints and grievances. The
review mechanism should help in identifying shortcomings in product features and service delivery.
STRATEGY
Customer care details on the website:-
The Bank has updated call centers details, helpline numbers for internet banking, mobile banking, UPI and
BHIM app, NEFT handling team, nodal officers for pension, Banking Ombudsman, Customer Service, and
Grievance Redressal nodal officer at Regional Office and Zonal Office on its website. The web link for the same
is https://www.centralbankofindia.co.in/en/customer_care.
Further complaints can be submitted through Central Bank of India customer login https://centralbankofindia.
co.in/ogrs/customerlogin.
2. Turnover of products and/ services as a percentage of turnover from all products/service that carry information about:
NOTICE
Environmental and social parameters relevant to the product Not Applicable
Safe and responsible usage
Recycling and/or safe disposal
3. Number of consumer complaints in respect of the following:
REPORTS
Data privacy - - - - - -
Advertising - - - - - -
Cyber-security - - - - - -
Delivery of
Essential services - - - - - -
Restrictive
Trade Practices - - - - - -
Unfair Trade
Practices - - - - - - FINANCIALS
• Alert Monitoring
Leadership Indicators
1. Channels/platforms where information on products and services of the entity can be accessed (provide web link, if available).
a) website https://www.centralbankofindia.co.in/en,
b) Mobile Banking application in the name of “Cent Mobile” available at the play store (https://play.google.
com/store/apps/details?id=com.infrasofttech.CentralBank) and app store (https://apps.apple.com/in/app/
centmobile/id1053790727),
c) Mobile Passbook application in the name of “Cent m-Passbook” available at the play store (https://play.
google.com/store/apps/details?id=com.mobile.cbiepassbook) and app store (https://apps.apple.com/in/
app/cent-m-passbook/id950604171)
d) Mobile UPI application in the name of “BHIM Cent UPI” available at the play store (https://play.google.
com/store/apps/details?id=com.infrasofttech.centralbankupi) and app store (https://apps.apple.com/in/
app/bhim-cent-upi/id1282995874)
e) Social media network over Youtube (https://www.youtube.com/channel/UCAlZ_H8-YpEOfQ0VeQ_XsnQ),
Twitter (https://twitter.com/centralbank_in), Facebook (https://www.facebook.com/CentralBankofIndia),
LinkedIn (https://www.linkedin.com/company/centralbankofindia) and Instagram (https://www.instagram.
com/centralbankofindiaofficial/)
f) Toll-free number 1800 22 1911.
2. Steps taken to inform and educate consumers about safe and responsible usage of products and/or services.
We are taking the following necessary steps for educating customers about the safe and responsible usage of
Banks products and services:
a) Customers are informed about security tips via social media platforms such as Facebook, LinkedIn,
Instagram, YouTube, and Twitter.
b) Other platforms, such as Internet Banking and Mobile Banking, are used to raise awareness.
c) Customers are receiving Security Awareness Messages through SMS from the Bank.
d) Bank customers receive Cyber Security Awareness Tips through SMS when they receive transactional
SMS/OTP SMS.
e) For customer awareness, security awareness messages are displayed on ATM slips.
f) Various Security Awareness Standees are prominently presented.
3. Mechanisms in place to inform consumers of any risk of disruption/discontinuation of essential services.
Customers are informed through SMS or mail about any disruption due to technical reasons.
4. Does the entity display product information on the product over and above what is mandated as per local laws? If yes,
provide details in brief.
No
Did your entity carry out any survey with regard to consumer satisfaction relating to the major products/services of the
entity, significant locations of operation of the entity or the entity as a whole? (Yes/No)
Yes
5. Provide the following information relating to data breaches:
a. Number of instances of data breaches along-with impact – No instance Reported yet
b. Percentage of data breaches involving personally identifiable information of customers – Not Applicable
I. DEFINITIONS : In case the Bank does not meet the above CRAR
a. Dividend: Dividend includes interim dividend. In norm, but is having a CRAR of at least 9% for the
common parlance, Dividend’ means the profit of the accounting year for which it proposes to declare
Bank, which is not retained in the business and is dividend, it would be eligible to declare dividend
distributed among the shareholders in proportion to provided its Net NPA is less than 5%.
STRATEGY
the amount paid up on the shares held by them. ii. The Bank shall comply with the provisions of
b. CRAR: It is the ratio of the Bank’s capital to its risk Sections 15 (which prohibits payment of dividend
weighted assets. until all capitalized expenses have been written
off) and Section 17 (which stipulates transfer of
c. Dividend Payout Ratio: ‘Dividend payout ratio’ is specified potion of profit to statutory reserve fund)
calculated as a percentage of dividend payable in of the Banking Regulation Act, 1949.
a year’ (excluding dividend tax) to ‘net profit during
the year’. iii. The Bank shall comply with the prevailing
regulations / guidelines issued by RBI, including
d. Board: Board means Board of Directors of the creating adequate provisions for impairment of
Bank constituted in terms of Section 9 (3) of the assets and staff retirement benefits, transfer of
Banking Companies (Acquisition and Transfer of profits to Statutory Reserves etc.
NOTICE
Undertakings) Act, 1970.
iv. The proposed dividend should be payable out of the
II. Policy: current year’s Net Profit.
1. The Policy will be called as ‘Central Bank of India
v. The Reserve Bank of India should not have placed
Dividend Distribution Policy.’
any explicit restrictions on the Bank for declaration
2. General Principles of the Bank regarding distribution of dividends.
of dividend:
IV. Quantum of dividend payable :
Thrust of the Corporate Governance of the Bank is A. In terms of Government of India guidelines, the
to enhance shareholders’ value by pursuing ethical Bank shall pay a minimum dividend of 20% of its
practices in the conduct of its business and maintaining equity (i.e. paid up capital) or 20% of its post –tax
REPORTS
high standard of disclosure and transparency. The profits, whichever is higher. In case, Bank decides
Bank has adopted best practices, and standards of to pay interim dividend, the total dividend to be paid
governance are monitored by various Committees by the bank based on the annual results should be
of the Board. The Board, the Executives and other as per the guidelines.
functionaries have distinctly demarcated roles in
achieving the Corporate goals – improved performance Further, any relaxation from the provisions of these
and enhanced shareholders’ value. The dividend for instructions requires specific prior permission from
each year would be recommended by the Board at the Government of India.
its discretion as per the Policy guidelines, after taking B. However in terms of the guidelines prescribed by
into account the financial performance of the Bank, Reserve Bank of India, the Bank, if it fulfills the
its future plans, internal and external factors, statutory eligibility criteria set out at Clause II Point No.3 FINANCIALS
restrictions, etc., for declaration by the shareholders in above, may declare and pay dividends subject to
General Meeting. The Board may also declare interim the following:
dividend at its discretion.
i. The dividend payout ratio shall not exceed
III. Eligibility Criteria for declaration of dividend: 40% and shall be as per the matrix furnished
Bank will be eligible to declare dividends only when in Annexure.
it complies with the following minimum prudential ii. In case the profit for the relevant period includes
requirements; any extra-ordinary profits/ income, the payout
i. The Bank should have : ratio shall be computed after excluding such
extraordinary items for reckoning compliance
• CRAR of at least 9% for preceding two
with the prudential payout ratio.
completed years and the accounting year for
which it proposes to declare dividend iii. The financial statements pertaining to the
financial year for which the bank is declaring a
• Net NPA less than 7%.
dividend should be free of any qualifications by
the statutory auditors, which have an adverse of shares in future, the parameters shall be decided
bearing on the profit during that year. In case suitably by the Bank at appropriate time. However, Bank
of any qualification to that effect, the net profit shall follow the guidelines as applicable for preference
should be suitably adjusted while computing shares, if raised.
the dividend payout ratio. VII. Manner of Payment of dividend:
iv. In case of non payment of interest on Basel- As per Regulation 12 of SEBI (LODR) Regulations, the
III Compliant bonds or non achievement of Bank shall use any of the electronic mode of payment
the Basel-III CRAR ratios including CCB, RBI facility approved by the Reserve Bank of India for the
puts restrictions on the dividend in their master payment of the dividends. Where it is not possible to use
circular issued for this purpose. electronic mode of payment, ‘payable-at-par’ warrants
V. Internal and External Factors: or cheques will be issued to the eligible shareholders.
The dividend payout decision of the Bank will also VIII.Disclosure and Reporting:
depend on certain external factors such as the state a. The Policy will be disclosed on the website of the
of the economy of the country, statutory and regulatory Bank and a web link shall be provided in the Annual
provisions, tax regulations including the treatment of Report.
deferred tax assets etc., as may be applicable at the
b. The Bank shall report the details of dividend
time of declaration of the dividend.
declared during the accounting year to RBI as per
Apart from the aforesaid external factors, Board will the proforma and timeline specified by RBI.
also take into account various internal factors, such
c. The Bank shall declare and disclose the dividend
as business growth plans, the interim dividend paid,
on per share basis only as specified under SEBI
the Annual Financial Inspection findings of the Reserve
(LODR) Regulations.
Bank with regard to divergence in identification of NPAs,
shortfall in provisioning, etc., the auditors’ qualifications IX. Tenure
pertaining to the statement of accounts, future capital This Policy will be in force till the time it is not amended
requirements, replacement of capital assets, etc. The or revoked by the Board. In the event of variance on any
decision of the Board regarding dividend shall be final. matters, between the Policy and Regulatory changes
VI. Provisions with regard to various classes of made after approval of the current policy, the Regulatory
shares: Changes will be effective till the Policy is amended in line
with the these changes.
The Bank currently has only one class of shares, namely
Equity Shares. In case of issuance of any other class
Annexure
Matrix of Criteria for maximum permissible range of Dividend Payout Ratio (As per RBI Circular No.RBI/2004-05/451; DBOD.
NO.BP.BC. 88 / 21.02.067 / 2004-05 dated May 04, 2005)
STRATEGY
INDEPENDENT AUDITORS’ REPORT
To necessary particulars, is properly drawn up so as to
The Members of exhibit a true and fair view of the state of affairs of
Central Bank of India the Bank as at 31st March, 2022;
Mumbai b) the Profit and Loss Account, read with the notes
thereon shows a true balance of profit for the year
Report on Audit of the Standalone ended on that date; and
NOTICE
Financial Statements c) the Cash Flow Statement gives a true and fair view
Opinion of the cash flows for the year ended on that date.
1. We have audited the accompanying standalone financial Basis for Opinion
statements of Central Bank Of India (‘the Bank’), which
3. We conducted our audit in accordance with the Standards
comprise the Balance Sheet as at 31st March 2022, the
on Auditing (“SAs”) issued by the Institute of Chartered
Profit and Loss Account and the Cash Flow Statement
Accountants of India (“ICAI”). Our responsibilities under
for the year then ended, and notes to Standalone
those Standards are further described in the “Auditors’
Financial Statements including a summary of significant
responsibilities for the audit of the standalone financial
accounting policies and other explanatory information in
statements” section of our report. We are independent
which are included the returns for the year ended on
REPORTS
of the Bank in accordance with the Code of Ethics
that date of the Head Office, 12 Zones, 1 Specialized
issued by the Institute of Chartered Accountants of India
Integrated Treasury Branch and 20 branches audited by
together with ethical requirements that are relevant
us and 1869 branches audited by respective statutory
to our audit of the standalone financial statements
branch auditors.
prepared in accordance with the accounting principles
The branches audited by us and those audited by other generally accepted in India, including the Accounting
auditors have been selected by the Bank in accordance Standards issued by the ICAI, and provisions of section
with the guidelines issued to the Bank by the Reserve 29 of the Banking Regulation Act, 1949 and circulars
Bank of India. Also incorporated in the Balance Sheet, and guidelines issued by the Reserve Bank of India
the Profit and Loss Account and the Cash Flow Statement (“RBI”) from time to time and we have fulfilled our
are the returns from 2639 branches which have not other ethical responsibilities in accordance with these FINANCIALS
been subjected to audit. These unaudited branches requirements and the Code of Ethics. We believe that
account for 16.76 per cent of advances, 34.97 per cent the audit evidence we have obtained is sufficient and
of deposits, 9.27 per cent of interest income and 33.12 appropriate to provide a basis for our opinion on the
per cent of interest expenses. standalone financial statements.
2. In our opinion and to the best of our information Emphasis of Matter
and according to the explanations given to us, the 4. We draw attention to:
aforesaid standalone financial statements give the
information required by the Banking Regulation Act, a) Note no. 15 (v) of Schedule 18 to the standalone
1949 (hereinafter referred to as “the Act”) in the manner financial statements regarding amortization of
so required for the Bank and are in conformity with additional liability on revision of family pension
accounting principles generally accepted in India and: amounting to ₹ 821.95 crore. The Bank has charged
an amount of ₹ 544.52 crore to the Profit and Loss
a) the Balance Sheet, read with the notes thereon Account for the year ended 31st March 2022 and
is a full and fair Balance Sheet containing all the the balance unamortised expense has been carried
STRATEGY
Valuation of Investments, identification of » We assessed and understood the system and internal
Non-Performing Investments (NPI) and the control as laid down by the Bank to comply with relevant
corresponding non-recognition of income and RBI guidelines regarding valuation, classification,
provision thereon, is carried out in accordance with identification of Non- Performing Investments, Provisioning
the relevant circulars / guidelines / directions of
and depreciation on Investments.
RBI. (refer Schedule 8 read with Note 4 of Schedule
17 to the standalone financial statements) » Tested accuracy and compliance for selected sample of
The valuation of each type of aforesaid security is to investments with the RBI Master circulars and directions
be carried out as per the methodology prescribed in by re-performing valuation for each category of security in
the circulars and directives issued by the RBI which accordance with the RBI guidelines.
involves collection of data/ information from various
» We assessed and evaluated the process of identification
sources such as FBIL rates, rates quoted on BSE/
NOTICE
of NPIs, and corresponding reversal of income and
NSE, financial statements of unlisted companies,
NAV in case of security receipts etc. creation of provision.
As per the RBI directions, there are certain » We carried out substantive audit procedures to re-
investments that are valued at market price compute independently the provision to be created and
however certain investments are based on the depreciation to be provided.
valuation methodologies that include statistical
» We assessed that the standalone financial statement
models with inherent assumptions, assessment of
price for valuation based on financial statements disclosures appropriately reflected the Bank’s exposure
etc. The price discovered for the valuation of to investments valuation risks with reference to the
these Investments is only a fair assessment of the requirements of the prevailing accounting standards and
Investments. the RBI guidelines.
REPORTS
Hence, the valuation of Investments requires special
attention and further in view of the significance
of the amount of Investments in the financial
statements, the same has been considered as Key
Audit Matter in our audit.
3. Information technology (IT) systems used in We conducted an assessment and identified key IT
financial reporting process applications, database and operating systems that are
The Bank’s operational and financial reporting relevant to our audit and have identified CBS and Treasury
processes are dependent on IT systems run System primarily as relevant for financial reporting. For the key
through Core Banking Solutions (CBS) and other IT systems pertaining to CBS and treasury operations used FINANCIALS
integrated software with automated processes and to prepare accounting and financial information, our areas of
controls large volume of transactions. audit focus included Access Security (including controls over
The process and controls are to ensure appropriate privileged access), application change controls, database
user access and management processes in use. management and network operations. In particular:
The Bank has an in-house Department of Information
& technology (DIT) run under the supervision of the » We obtained an understanding of the Bank’s IT control
top management and with the support of expert environment and key changes during the audit period that
consulting agencies, for maintaining IT services. may be relevant to the audit.
Accordingly, our audit was focused on key IT » We tested the design, implementation and operating
systems and controls due to the pervasive Impact effectiveness of the Bank’s General IT controls over the
on the standalone financial statements and the key IT systems that are critical to financial reporting
same has been considered as Key Audit Matter in including obtaining reports from independent experts.
our audit. This included evaluation of Bank’s controls to evaluate
segregation of duties and access rights being provisioned
/ modified based on duly approved requests, access for
exit cases being revoked in a timely manner.
Information other than the standalone financial In connection with our audit of the standalone financial
statements and Auditors’ report thereon statements, our responsibility is to read the other
information and, in doing so, consider whether the other
6. The Bank’s Board of Directors is responsible for the
information is materially inconsistent with the standalone
other information. The other information comprises the
financial statements, or our knowledge obtained in the
Corporate Governance Report, which we obtained at
audit or otherwise appears to be materially misstated.
the time of issuance of this auditors’ report, and the
Directors’ Report including annexures, and Management If, based on the work we have performed on the other
Discussion and Analysis which is expected to be made information that we obtained prior to the date of auditors’
available to us after that date but does not include the report, we conclude that there is a material misstatement
financial statements and our auditor’s report thereon. of this other information, we are required to report that
fact. We have nothing to report in this regard.
Our opinion on the standalone financial statements
does not cover the other information and the Pillar 3 When we read the Directors’ Report including annexures,
disclosures under Capital Adequacy Framework (Basel and Management Discussion and Analysis, if we
III disclosures) and we do not express any form of conclude that there is material misstatement therein,
assurance conclusion thereon.
STRATEGY
position, financial performance and cash flows of the Bank that is sufficient and appropriate to provide a basis
in accordance with the accounting principles generally for our opinion. The risk of not detecting a material
accepted in India, including the applicable Accounting misstatement resulting from fraud is higher than for
Standards, and provisions of Section 29 of the Banking one resulting from error, as fraud may involve collusion,
Regulation Act, 1949 and circulars and guidelines issued forgery, intentional omissions, misrepresentations, or
by the Reserve Bank of India (‘RBI’) from time to time the override of internal control.
(“RBI guidelines”) and judicial pronouncements. This » Obtain an understanding of internal control relevant
responsibility also includes maintenance of adequate to the audit in order to design audit procedures that
accounting records in accordance with the provisions of are appropriate in the circumstances.
the Act for safeguarding of the assets of the Bank and for
» Evaluate the appropriateness of accounting policies
preventing and detecting frauds and other irregularities;
NOTICE
used and the reasonableness of accounting estimates
selection and application of appropriate accounting
and related disclosures made by management.
policies; making judgments and estimates that are
reasonable and prudent; and design, implementation » Conclude on the appropriateness of management’s
and maintenance of adequate internal financial controls, use of the going concern basis of accounting and,
that were operating effectively for ensuring the accuracy based on the audit evidence obtained, whether
and completeness of the accounting records, relevant a material uncertainty exists related to events or
to the preparation and presentation of the standalone conditions that may cast significant doubt on the
financial statements that give a true and fair view and Bank’s ability to continue as a going concern. If we
are free from material misstatement, whether due to conclude that a material uncertainty exists, we are
fraud or error. required to draw attention in our auditor’s report to
REPORTS
the related disclosures in the standalone financial
In preparing the standalone financial statements,
statements or, if such disclosures are inadequate,
management is responsible for assessing the Bank’s
to modify our opinion. Our conclusions are based
ability to continue as a going concern, disclosing,
on the audit evidence obtained up to the date of our
as applicable, matters related to going concern and
auditor’s report. However, future events or conditions
using the going concern basis of accounting unless
may cause the Bank to cease to continue as a going
management either intends to liquidate the Bank or to
concern.
cease operations, or has no realistic alternative but to
do so. The Board of Directors is also responsible for » Evaluate the overall presentation, structure and
overseeing the Bank’s financial reporting process. content of the Standalone financial statements,
including the disclosures, and whether the Standalone FINANCIALS
Auditors’ responsibilities for the audit of the
financial statements represent the underlying
standalone financial statements transactions and events in a manner that achieves
8. Our objectives are to obtain reasonable assurance fair presentation.
about whether the standalone financial statements as a
Materiality is the magnitude of the misstatements in
whole are free from material misstatement, whether due
the financial statements that, individually or aggregate,
to fraud or error, and to issue an auditors’ report that
makes it probable that the economic decisions of a
includes our opinion. Reasonable assurance is a high
reasonably knowledgeable user of the standalone
level of assurance but is not a guarantee that an audit
financial statements may be influenced. We consider
conducted in accordance with SAs will always detect a
quantitative materiality and qualitative factors in (i)
material misstatement when it exists. Misstatements can
planning of the scope of our audit work and in evaluating
arise from fraud or error and are considered material
the results of our work; and (ii) to evaluate the effect of
if, individually or in aggregate, they could reasonably
any identified misstatement in the financial statements.
be expected to influence the economic decisions of
We describe these matters in our auditors’ report unless b) The transactions of the Bank, which have come
law or regulation precludes public disclosure about the to our notice, have been within the powers of the
matter or when, in extremely rare circumstances, we Bank; and
determine that a matter should not be communicated in c) The returns received from the offices and branches
our report because the adverse consequences of doing of the Bank have been found adequate for the
so would reasonably be expected to outweigh the public purposes of our audit.
interest benefits of such communication.
13. As required by letter No. DOS.ARG.No.
Other Matters 6270/08.91.001/2019-20 dated March 17, 2020 on
9. We did not audit the financial statements/ information “Appointment of Statutory Central Auditors (SCAs) in
of 1869 branches included in the standalone financial Public Sector Banks – Reporting obligations for SCAs
statements of the Bank whose financial statements / from FY 2019-20”, read with subsequent communication
financial information reflect total assets of ₹ 2,30,319.41 dated May 19, 2020 issued by the RBI, we further report
crore as at 31st March 2022 and total revenue of ₹ on the matters specified in paragraph 2 of the aforesaid
6,490.25 crore for the year ended on that date, as letter as under:
considered in the standalone financial statements. a) In our opinion, the aforesaid standalone financial
These branches cover 43.90 per cent of advances, statements comply with the applicable Accounting
61.16 per cent of deposits and 22.92 per cent of non- Standards issued by ICAI, to the extent they are not
performing assets as at 31st March 2022 and 25.19 per inconsistent with the accounting policies prescribed
cent of revenue for the year ended 31st March 2022. by RBI.
The financial statements/ information of these branches
b) There are no observations or comments on financial
have been audited by the branch auditors whose reports
transactions or matters which have any adverse
have been furnished to us, and our opinion in so far as
effect on the functioning of the Bank.
it relates to the amounts and disclosures included in
respect of branches, is based solely on the report of c) As the Bank is not registered under the Companies
such branch auditors. Act, 2013 the disqualifications from being a director
of the bank under sub-section (2) of Section 164 of
10. In the conduct of our audit, we have taken note of
the Companies Act, 2013 do not apply to the bank.
the unaudited returns in respect of 2639 branches
certified by the respective branch’s management whose d) There are no qualifications, reservations or adverse
financial statements/ information reflect total assets remarks relating to the maintenance of accounts
of ₹ 58318.30 crore as at 31st March 2022 and total and other matters connected therewith.
revenue of ₹ 2836.01 crore for the year ended on that e) Our audit report on the adequacy and operating
date. These unaudited branches cover 16.76 per cent effectiveness of the Bank’s internal financial controls
of advances, 34.97 per cent of deposits and 8.76 per over financial reporting as required by the RBI
cent of non-performing assets as on 31st March 2022 Letter No. DOS. ARG. No. 6270/ 08.91.001/2019-
and 11.01 per cent of revenue for the year then ended. 20 dated March 17, 2020 (as amended) is given in
STRATEGY
proper returns adequate for the purposes of our Loss Account and the Cash Flow Statement comply
audit have been received from branches not visited with the applicable accounting standards, to the
by us. extent they are not inconsistent with the accounting
b) the standalone Balance Sheet, the standalone Profit policies prescribed by RBI.
and Loss Account and the Cash Flow Statement
NOTICE
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY)
PARTNER PARTNER
M. No. 062410 M. No. 010279
UDIN:22062410AIPWFO9548 UDIN:22010279AIPVUH9802
REPORTS
(CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER
M. No. 101504 M. No. 018808
UDIN:22101504AIPVUC2673 UDIN:22018808AIPVVF2318
Place : Mumbai
Date : May 9th, 2022
FINANCIALS
STRATEGY
financial reporting and such internal financial controls over auditors, certain matters were noticed by us. Bank needs
financial reporting were operating effectively as at March 31, to further strengthen the process including alteration of the
2022, based on the criteria for internal control over financial existing Risk Control Matrix (RCM) and designing a few more
reporting established by the Bank considering the essential RCMs. Our suggestions in this regard have been submitted
components of internal control stated in the Guidance to the management to further strengthen the internal financial
Note on Audit of Internal Financial Controls Over Financial controls over financial reporting of the Bank.
Reporting issued by the Institute of Chartered Accountants
of India. Our opinion is not modified in respect of this matter.
NOTICE
Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W
REPORTS
F.R. No. 122063W F.R. No. 000291N
Place : Mumbai
Date : May 9th, 2022
FINANCIALS
(000’s Omitted)
Year Ended Year Ended
SCHEDULE
PARTICULARS 31-Mar-22 31-Mar-21
NO. (`) (`)
CAPITAL & LIABILITIES
Capital 1 8,68,09,394 5,87,55,625
Share Application Money Pending Allotment 1a - 4,80,00,000
Reserves and Surplus 2 18,84,57,659 15,82,95,276
Deposits 3 3,42,69,19,375 3,29,97,29,496
Borrowings 4 7,47,43,610 5,46,86,391
Other Liabilities and Provisions 5 8,87,25,895 7,26,83,150
TOTAL 3,86,56,55,933 3,69,21,49,938
ASSETS
Cash and Balances with Reserve Bank of India 6 38,03,36,974 32,18,78,420
Balances with Banks and Money at Call and Short Notice 7 15,06,06,268 6,76,34,665
Investments 8 1,40,78,69,475 1,48,58,24,347
Advances 9 1,68,17,35,000 1,56,57,86,472
Fixed Assets 10 4,95,50,429 5,13,24,206
Other Assets 11 19,55,57,787 19,97,01,828
TOTAL 3,86,56,55,933 3,69,21,49,938
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
INVERIONET
(000’s Omitted)
As at As at
SCHEDULE
PARTICULARS 31-Mar-22 31-Mar-21
NO. (`) (`)
I. INCOME
STRATEGY
Interest Earned 13 22,80,16,476 22,73,02,329
Other Income 14 2,96,84,840 3,11,56,742
TOTAL 25,77,01,316 25,84,59,071
II. EXPENDITURE
Interest Expended 15 13,31,48,828 14,48,51,898
Operating Expenses 16 7,25,80,987 6,78,22,330
Provisions and Contingencies 4,15,23,220 5,46,60,689
TOTAL 24,72,53,035 26,73,34,917
III. PROFIT/(LOSS) FOR THE YEAR BEFORE PRIOR PERIOD ITEM 1,04,48,281 (88,75,846)
Less: Prior period Item - -
Net Profit /(Loss) for the year after Prior period item 1,04,48,281 (88,75,846)
Balance of Profit/ (Loss) as per last Balance sheet brought (18,72,42,173) (17,52,93,938)
Amount transferred from Share Premium A/c 18,72,42,173 -
NOTICE
TOTAL 1,04,48,281 (18,41,69,784)
IV. APPROPRIATIONS
Transfer to :
Statutory Reserve 26,12,100 -
Investment Fluctutation Reserve 65,80,920
Investment Reserve 12,55,261 30,72,389
Special Reserve u/s 36(1)(viii) - -
Staff Welfare Fund - -
Revenue Reserve - -
Fund in lieu of Insurance
Proposed Dividend - Preference Capital - -
REPORTS
Proposed Dividend - Equity Capital - -
Dividend Tax - -
Balance carried over to Balance Sheet - (18,72,42,173)
TOTAL 1,04,48,281 (18,41,69,784)
EPS (Basic & Diluted) in ₹ ( nominal value ₹ 10/- per share) 1.27 (1.53)
Significant Accounting Policies 17
Notes to Accounts 18
The schedules referred to above form an integral part of the Balance Sheet.
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
(000’s Omitted)
As at 31-Mar-22 As at 31-Mar-21
PARTICULARS
(`) (`) (`) (`)
SCHEDULE 1 : CAPITAL
Authorised Capital 10,00,00,000 10,00,00,000
1000,00,00,000 shares of ₹ 10/- each
(previous year 1000,00,00,000 shares) of ₹ 10/-
each
Issued, Subscribed and Paid up Capital :
Equity Shares 8,68,09,394 5,87,55,625
8680939432 Equity Shares (previous year
5875562460 Equity shares) of ₹ 10/- each
(includes 8080391687 Equity shares (previous
year 5275014715 Equity shares) of ₹ 10/- each
held by Central Govt.)
TOTAL 8,68,09,394 5,87,55,625
STRATEGY
Additions/Adjustment during the year - 2,75,697
Less: Deductions during the year -
2,82,59,810 2,77,18,572
VII. Balance in Profit and Loss Account -
Balance as per last Balance Sheet (18,72,42,173)
Add: Balance transferred from Share 18,72,42,173
Premium A/c.
Net Balance - (18,72,42,173)
TOTAL 18,84,57,659 15,82,95,276
NOTICE
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
i) From Banks 1,03,37,153 65,67,481
ii) From Others 16,51,49,281 16,25,93,515
17,54,86,434 16,91,60,996
II. Savings Bank Deposits 1,55,96,51,980 1,45,66,70,191
III. Term Deposits
i) From Banks 62,23,208 43,92,999
ii) From Others 1,68,55,57,753 1,66,95,05,310
REPORTS
1,69,17,80,961 1,67,38,98,309
TOTAL 3,42,69,19,375 3,29,97,29,496
B. i) Deposits of Branches in India 3,42,69,19,375 3,29,97,29,496
ii) Deposits of Branches outside India
SCHEDULE 4 : BORROWINGS
I. Borrowings in India
i) Reserve Bank of India 1,76,40,000 1,76,40,000
ii) Other Banks 839 20,042
iii) Other Institutions & Agencies 2,57,11,771 6,35,349 FINANCIALS
iv) Unsecured Redeemable - 50,00,000
Bonds(Subordinated Debt)
v) Upper Tier II bonds - -
vi) Innovative Perpetual Debt Instrument 13,91,000 13,91,000
vii) Unsecured Redeemable NC Basel III 3,00,00,000 3,00,00,000
Bonds(Tier II)
7,47,43,610 5,46,86,391
II. Borrowings outside India - -
TOTAL 7,47,43,610 5,46,86,391
Secured Borrowings included in I & II above Nil Nil
SCHEDULE 8 : INVESTMENTS
I. Investments in India in : *
i) Government Securities 1,05,50,89,160 1,10,35,84,201
ii) Other approved Securities - -
iii) Shares 88,33,691 79,19,176
iv) Debentures and Bonds 33,77,84,388 35,39,72,427
v) Subsidiaries and Sponsored Institutions 25,79,832 25,79,832
vi) Others (Commercial Papers,Mutual 31,07,519 1,72,93,826
Fund Units etc.)
1,40,73,94,590 1,48,53,49,462
II. Investments outside India in **
Subsidiaries and / or Associates abroad 4,74,885 4,74,885
TOTAL 1,40,78,69,475 1,48,58,24,347
STRATEGY
Gross Value 4,74,885 4,74,885
Less:Provision for Depreciation - -
Net Value 4,74,885 4,74,885
SCHEDULE 9 : ADVANCES
A. i) Bills Purchased and Discounted 2,40,31,721 89,00,535
ii) Cash Credits, Overdrafts & Loans 70,22,91,110 70,35,42,501
repayable on demand
iii) Term Loans 95,54,12,169 85,33,43,436
TOTAL 1,68,17,35,000 1,56,57,86,472
NOTICE
B. Particulars of Advances :
i) Secured by Tangible Assets 1,55,92,58,701 1,52,34,13,189
(including advances against Book Debts)
Including advances against Book Debts
of ₹1671871('000's omitted) as at 31st
March 2022, as against ₹ 1584789('000's
omitted) as at 31st March 2021.
ii) Covered by Bank / Government Guarantees 1,32,94,746 3,66,01,365
iii) Unsecured 10,91,81,553 57,71,918
TOTAL 1,68,17,35,000 1,56,57,86,472
REPORTS
C. Sectoral Classification of Advances
(I) Advances in India
i) Priority Sectors 86,05,76,958 80,84,25,818
ii) Public Sector 4,14,01,906 5,09,87,479
iii) Banks 53,224 4,926
iv) Others 77,97,02,912 70,63,68,249
TOTAL 1,68,17,35,000 1,56,57,86,472
(II) Advances outside India - -
FINANCIALS
SCHEDULE 10 : FIXED ASSETS
I. Premises
( At cost / revalued cost )
Balance as at 31st March of the preceding year 4,91,01,269 4,02,25,174
Additions during the year 25,445 88,89,449
Total 4,91,26,714 4,91,14,623
Deductions / Adjustments during the year 3,14,796 13,354
Total 4,88,11,918 4,91,01,269
Depreciation to date 91,65,015 85,28,592
Total 3,96,46,903 4,05,72,677
(000’s Omitted)
YEAR ENDED YEAR ENDED
PARTICULARS 31-Mar-22 31-Mar-21
(`) (`)
SCHEDULE 13 : INTEREST EARNED
STRATEGY
I. Interest / Discount on Advances / Bills 11,50,06,591 11,63,83,361
II. Income on Investments 9,26,35,596 10,00,89,617
III. Interest on balances with Reserve Bank of India and other 1,23,81,061 67,60,466
Inter Bank Funds
IV. Others 79,93,228 40,68,885
TOTAL 22,80,16,476 22,73,02,329
NOTICE
III. Profit / (Loss) on Revaluation of Investments (27,68,771) (5,15,400)
IV. Profit / (Loss) on Sale of Land, Buildings and other Assets (Net) 91,365 (2,09,976)
V. Profit on Exchange Transactions (Net) 19,92,437 8,66,918
VI. Income earned by way of dividends etc. from Subsidiaries and Associates 80,103 64,778
abroad / in India
VII.Miscellaneous Income 1,11,32,267 67,27,711
TOTAL 2,96,84,840 3,11,56,742
REPORTS
I. Interest on Deposits 12,84,76,515 13,99,40,735
II. Interest on Reserve Bank of India / Inter-Bank borrowings 7,17,858 32,564
III. Others 39,54,455 48,78,599
TOTAL 13,31,48,828 14,48,51,898
STRATEGY
remains overdue for a period of more than 90
2.4 Advances are shown net of provisions (in case of
days.
NPA), Unrealised Interest, amount recovered from
b) An overdraft or cash credit is classified as a borrowers held in Sundries and claims received
non-performing asset, if, the account remains from CGTSI/ ECGC, etc.
“out of order”, i.e. if the outstanding balance
2.5 For restructured/ rescheduled assets, provisions are
exceeds the sanctioned limit/ drawing power
made in accordance with the guidelines issued by
continuously for a period of 90 days, or if there
the RBI, which inter alia require that the difference
are no credits continuously for 90 days, or if the
between the fair value of the loans/ advances before
credits are not adequate to cover the interest
and after restructuring is provided for, in addition to
debited during the previous 90 days period.
provision for the respective loans/ advances. The
NOTICE
c) The bills purchased/ discounted are classified provision for diminution in fair value and interest
as non-performing asset if the bill remains sacrifice, if any, arising out of the above, is reduced
overdue for a period of more than 90 days. from advances.
d) The agricultural advances are classified as a 2.6 In addition to the specific provision on NPAs, general
non-performing if, (i) for short duration crops, provisions are also made for standard assets as
where the instalment of principal or interest per extant RBI Guidelines. These provisions are
remains overdue for two crop seasons; and (ii) reflected in Schedule 5 of the Balance Sheet under
for long duration crops, where the principal or the head “Other Liabilities & Provisions – Others”
interest remains overdue for one crop season. and are not considered for arriving at the Net NPAs.
REPORTS
2.2 Non-performing assets are classified into sub- 2.7 In the case of loan accounts classified as NPAs, an
standard, doubtful and loss Assets, based on the account may be reclassified as a performing asset
following criteria stipulated by RBI: if it conforms to the guidelines prescribed by the
a) Sub-standard: A loan asset that has remained regulators.
non-performing for a period less than or equal 2.8 Amounts recovered against debts written off in
to 12 months. earlier years are recognised as revenue in the year
b) Doubtful: A loan asset that has remained in of recovery.
the sub-standard category for a period of 12 2.9 Additional provisions higher than regulatory norms
months. are made in specific assets in view of the identified
FINANCIALS
c) Loss: A loan asset where loss has been weakness and/ or prevailing economic situation.
identified but the amount has not been fully 2.10 Partial recoveries in non-performing account are
written off. appropriated in the following order:
2.3 Provisions are made for NPAs as per the extant i. Principal Overdues/Irregularities.
guidelines prescribed by the regulatory authorities, ii. Unrealised interest.
subject to minimum provisions as prescribed below:
iii. Write Off.
Sub-standard assets:
iv. Uncharged Interest
i. A general provision of 15% on the total
outstanding. In case of suit filed/SARFAESI/ recalled market
ii. Additional provision of 10% for exposures accounts, recovery is appropriated in the following
which are unsecured ab-initio (i.e. where order:
realisable value of security is not more than 10 i. Ledger outstanding balance.
percent ab-initio).
iv. Uncharged Interest The investments outside India are further classified
under 3 categories
However, where any borrower account is required
to be classified as non-performing from an earlier a) Government Securities
date, any recovery till the account was classified b) Subsidiaries and Joint Ventures
as Standard is first credited to Interest on Loans c) Other Investments
and Advances [viz. Scheme for sustainable
Structuring of Stressed assets (S4A), Strategic 4.2 Basis of Classification:
Debt Restructuring, Flexible Structuring of Long- Classification of an investment is done at the time of
Term Project Loan (5/25), Change of Ownership purchase into the following categories:
of Borrowing Entities (outside Strategic Debt a) Held to Maturity: Investments that the Bank
Restructuring Scheme)]. intends to hold till maturity are classified as
3 Provision for country exposure: “Held to Maturity (HTM)”.
In addition to the specific provisions held according to b) Held for Trading: Investments that are held
the asset classification status, provisions are also made principally for resale within 90 days from the
for individual country exposures (other than the home date of purchase are classified as “Held for
country). Countries are categorised into seven risk Trading (HFT)”.
categories, namely, insignificant, low, moderate, high, c) Available for Sale: Investments, which are not
very high, restricted and off-credit and provisioning made classified in the above two categories, are
as per extant RBI guidelines. If the country exposure classified as “Available for Sale (AFS)”.
(net) of the Bank in respect of each country does not
exceed 1% of the total funded assets, no provision is d) Transfer of Securities between categories: An
maintained on such country exposures. The provision is investment is classified as HTM, HFT or AFS at
reflected in Schedule 5 of the Balance Sheet under the the time of purchase and subsequent shifting
head “Other Liabilities & Provisions – Others”. amongst categories is done in conformity with
the regulatory guidelines.
4. Investments:
e) Investments in subsidiaries, joint ventures and
Investments are accounted for in accordance with
sponsored institutions are classified as HTM
the extant guidelines of investment classification and
except in respect of those investments which
valuation, as given below:
are acquired and held exclusively with a view
4.1 Classification: to its subsequent disposal. Such investments
In accordance with the guidelines issued by the are classified as AFS.
Reserve Bank of India, Investments are classified 4.3 Valuation:
into “Held to Maturity (HTM)”, “Held for Trading
The transactions in all securities are recorded on
(HFT)” and “Available for Sale (AFS)” categories.
a Settlement Date and cost is determined on the
For disclosure in the Balance Sheet in Schedule 8, weighted average cost method.
investments are classified as Investments in India
a) Brokerage, incentive, front-end fees etc.,
and outside India.
received on purchase of securities are reduced
Under each category, the investments in India are from the cost of investments.
further classified as
b) Expenses such as brokerage, fees, commission
a) Government Securities or taxes incurred at the time of acquisition of
b) Other Approved Securities securities are charged to the Profit and Loss
Account as revenue expenses.
c) Shares
c) x period interest paid/ received on debt
d) Debentures and Bonds
instruments is treated as interest expense/
e) Subsidiaries, joint ventures and sponsored income and is excluded from cost/ sale
institutions; and consideration.
STRATEGY
subsidiaries, joint ventures and associates are SC/ ARC, is reckoned for valuation of such
valued at historical cost. A provision is made investments.
for diminution, other than temporary in nature, e) Treasury Bills and Commercial Papers are
for each investment individually. valued at carrying cost.
Investments in Regional Rural Banks are 4.4 Investments (NPI):
valued at carrying cost (i.e. book value).
Investments are classified as performing and non-
b) Valuation of investments classified as performing, based on “Classification, Valuation and
Available for sale and Held for Trading: Operation of Investment Portfolio of Commercial
Investments classified as Available for Sale Banks (Directions), 2021” and “Prudential norms
and Held for Trading are individually revalued
NOTICE
on Income Recognition, Asset Classification and
at market price or fair value determined as Provisioning pertaining to Advances”, as under:
per the regulatory guidelines and the net
a) Interest/ instalment (including maturity
depreciation if any, of each group for each
proceeds) is due and remains unpaid for
category (viz.(i) Government securities, (ii)
more than 90 days. The same is applied to
Other Approved Securities, (iii) Shares, (iv)
preference shares where the fixed dividend is
Bonds and Debentures, (v) Subsidiaries and
not paid.
Joint Ventures and (vi) others) is provided for
and net appreciation is ignored. b) In the case of equity shares, in the event the
investment in shares of any company is valued
c) Valuation policy in event of inter category
REPORTS
at Re. 1 per company on account of non-
transfer of investments:
availability of the latest balance sheet, those
i) Transfer of securities from HFT/ AFS equity shares would be reckoned as NPI.
category to HTM category is carried out at
c) The Bank also classifies an investment as a
the lower of acquisition cost/ book value/
non-performing investment, in case any credit
market value on the date of transfer. The
facility availed by the same borrower/ entity
depreciation, if any, on such transfer is
has been classified as a non-performing asset
fully provided for.
and vice versa.
ii) Transfer of securities from HTM category
d) The investments in debentures/ bonds, which
to AFS category is carried out on
are deemed to be advance, are also subjected FINANCIALS
acquisition price/ book value. On transfer,
to NPI norms as applicable to investments.
these securities are immediately revalued
and resultant depreciation, if any, is 4.5 Accounting for Repo/ Reverse Repo
provided, in the Profit and Loss Account. transactions
d) Valuation in case of sale of NPA (financial The Bank enters into repurchase and reverse
asset) to Securitisation Company (SC)/ repurchase transactions with RBI under Liquidity
Asset Reconstruction Company (ARC) Adjustment Facility (LAF) and also with market
against issue of Security Receipts: participants. Repurchase transaction represents
borrowing by selling the securities with an agreement
i) The investment in security receipts
to repurchase the securities. Reverse repurchase
obtained by way of sale of NPA to SC/
transactions on the other hand represent lending
RC, is recognised at lower of: (i) Net
funds by purchasing the securities.
Book Value (NBV) (i.e. book value less
provisions held) of the financial asset; and a) The securities sold and purchased under Repo/
Reverse Repo are accounted as overnight Tri-
b) Derivative contracts classified as hedge are 6.4 Exchange differences arising on the settlement
recorded on accrual basis. Hedge contracts of monetary items at rates different from those at
are not marked to market unless the underlying which they were initially recorded are recognised as
assets/ liabilities are also marked to market. income or as expense in the period in which they
arise.
c) Gain or losses on the termination of Swaps are
recognised over the shorter of the remaining 7. Fixed assets and depreciation:
contractual life of the swaps or the remaining 7.1 Fixed Assets are carried at cost less accumulated
life of the assets/ liabilities. depreciation/ amortisation.
5.2 Derivatives used for trading are accounted as Cost includes cost of purchase and all expenditure
under: such as site preparation, installation costs, taxes
and professional fees incurred on the asset before
a) Currency futures and interest rate futures
it is put to use.
are marked to market on daily basis as per
exchange guidelines of MCX-SX, NSE and 7.2 Subsequent expenditure(s) incurred on the assets
United Stock Exchange. put to use are capitalised only when it increases the
future benefits from such assets or their functioning
b) Mark to market profit or loss is accounted by
capability.
credit/ debit to the margin account on daily
basis and the same is accounted in the Bank’s 7.3 Fixed Assets are depreciated under ‘Written Down
profit and loss account on final settlement. Value Method’ at the following rates (other than
computers which are depreciated on Straight Line
c) Trading swaps are marked to market at
Method):
frequent intervals. Any mark to market losses
are booked and gains, if any, are ignored on Premises At varying rates based on estimated life
net basis. a) Furniture, Lifts, Safe Vaults 10%
STRATEGY
Method on the basis of estimated useful life of the measured by the amount by which the carrying amount
assets. of the asset exceeds the fair value of the asset.
7.5 Land acquired on lease for over 99 years is treated 9. Employee Benefits:
as freehold land and those for 99 years or less is 9.1 Employee benefits are accrued in the year services
treated as leasehold land. Cost of leasehold land is are rendered by the employees.
amortized over the period of lease.
9.2 Short Term Employee Benefits:
7.6 Where it is not possible to segregate the cost of The undiscounted amounts of short-term employee
land and premises, depreciation is charged on the benefits, which are expected to be paid in exchange
composite cost. for the services rendered by employees, are
NOTICE
7.7 In case of assets, which have been revalued, recognised during the period when the employee
the depreciation/ amortization is provided on the renders the service.
revalued amount and is charged to the Profit and 9.3 Defined benefit plans:
Loss Account. Amount of incremental depreciation/
The Bank operates Gratuity and Pension schemes
amortization attributable to the revalued amount
which are defined benefit plans.
is transferred from ‘Revaluation Reserve’ and
credited to ‘Revenue and Other Reserves’. a) The Bank provides for gratuity to all eligible
employees. The benefit is in the form of
7.8 Depreciation on additions to assets, made upto
lump sum payments to vested employees on
30th September is provided for the full year and on
retirement, or on death while in employment,
additions made thereafter, is provided for the half
REPORTS
or on termination of employment, for an
year.
amount equivalent to 15 days basic salary
No depreciation is provided on assets sold before payable for each completed year of service,
30th September and depreciation is provided for subject to the cap prescribed by the Statutory
the half year on assets sold after 30th September. Authorities. Vesting occurs upon completion
7.9 The Bank considers only immovable assets of five years of service. The Bank makes
for revaluation. Properties acquired during the periodic contributions to a fund administered
last three years are not revalued. Valuation of by Trustees based on an independent external
the revalued assets is done every three years actuarial valuation.
thereafter. b) The Bank provides for pension to all eligible FINANCIALS
7.10 The increase in net book value of the asset due to employees. The benefit is in the form of monthly
revaluation is credited to the Revaluation Reserve payments as per rules to vested employees on
Account without routing through the Profit and retirement or on death while in employment, or
Loss Account. on termination of employment. Vesting occurs
at different stages as per rules. The pension
Additional depreciation on the revalued asset
liability is reckoned based on an independent
is charged to the Profit and Loss Account and
actuarial valuation carried out annually and
appropriated from the Revaluation Reserves to
Bank makes such additional contributions
Other Revenue Reserve.
periodically to the Fund as may be required
7.11 The revalued asset is depreciated over the balance to secure payment of the benefits under the
useful life of the asset as assessed at the time of pension regulations.
revaluation.
STRATEGY
1961. The Board of Directors of the Bank has passed
outstanding during the year.
a resolution approving creation of the reserve and
confirming that it has no intention to make withdrawal b) Diluted earnings per share reflect the potential
from the Special Reserve. dilution that could occur if securities or other
contracts to issue equity shares were exercised
13 Segment Reporting
or converted during the year. Diluted earnings per
The Bank recognises the business segment as the equity share is calculated by using the weighted
primary reporting segment and geographical segment average number of equity shares and dilutive
as the secondary reporting segment in accordance potential equity shares outstanding during the year.
with the RBI guidelines and in compliance with the
NOTICE
ALOK SRIVASTAVA VIVEK WAHI RAJEEV PURI
Executive Director Executive Director Executive Director
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
REPORTS
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
FINANCIALS
421
FINANCIALS REPORTS NOTICE STRATEGY
Liquidity Coverage ratio (LCR) – Quantitative Disclosure
(Amount in ₹ Crore)
30.06.2021 30.09.2021 31.12.2021 31.03.2022
Total Un- Total Total Un- Total Total Un- Total Total Un- Total
weighted Weighted weighted Weighted weighted Weighted weighted Weighted
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 130947 134460 133402 128085
Assets (HQLA)
Cash Outflows
2 Retail deposits and deposits
from small business
customers of which:
(i) Stable deposits 165111 8256 163910 8196 162803 8140 164395 8220
(ii) Less stable deposits 134825 13483 137803 13780 139520 13952 141041 14104
3 Unsecured wholesale funding
of which:
(i) Operational deposits (all 0 0 0 0 0 0 0 0
counterparties)
ii) Non-operational deposits 29883 12715 29853 12680 31100 13118 30852 13189
(all counterparties)
iii) Unsecured debt 0 0 0 0 0 0 0 0
4 Secured wholesale funding
5 Additional requirements, of
which
(i) Outflows related to derivative 8133 8133 6281 6281 9749 9749 17522 17522
exposures and other
collateral requirements
(ii) Outflows related to loss of 0 0 0 0 0 0 0 0
funding on debt products
(iii) Credit and liquidity facilities 12925 1377 13188 2117 14074 2252 15175 2320
6 Other contractual funding 2470 2470 2446 2446 2851 2851 2913 2913
obligations
7 Other contingent funding 77308 3591 92266 4346 91701 4326 131981 6350
obligations
8 Total Cash Outflows 50024 49846 54388 64617
Cash Inflows
9 Secured lending (e.g. reverse 17879 0 23506 0 29605 0 26828 0
repos)
10 Inflows from fully performing 1367 1367 5467 5467 3809 3809 1777 1777
exposures
11 Other cash inflows 15308 13983 11951 11028 14691 13717 22466 21698
12 Total Cash Inflows 34554 15350 40925 16495 47798 17525 51071 23475
Total Adjusted Value Total Adjusted Value Total Adjusted Value Total Adjusted Value
13 TOTAL HQLA 130947 134460 133402 128085
14 Total Net Cash Outflows 34673 33351 36863 41142
15 Liquidity Coverage Ratio (%) 377.66% 403.17% 361.89% 311.32%
STRATEGY
3) Another major driver of LCR is Cash Inflow. The main components of cash
inflows are inflows by counterparty and net derivative cash inflow.
B Intra-period changes as well as Not Applicable
changes over time
C The composition of HQLA The HQLA comprises of the following:
1. Level 1 assets comprises of surplus SLR investments (net of encumbered
against REPO, CBLO, MSF, CROMS, other securities pledged for RTGS,
SGF, MCX, NSCCL etc) and 2% of NDTL applicable for MSF and 15.00%
of NDTL (FALLCR) as per RBI circular no. RBI/2018-19/164 DBR.BP.BC.
No.34/ 21.04.098/2018-19 dated 04/04/2019.
NOTICE
2. Level 2A assets comprises of Special (Discom) Bonds issued by State
Government, Bonds issued by State Power Distribution Companies, Central
Government PSUs excluding the finance companies and bonds of private
corporates having rating of AA- and above excluding the finance companies.
3. Level 2B assets comprises of bonds of corporates having rating of BBB- to
A+ excluding the finance companies.
4. Level 2B assets also comprises of NIFTY/SENSEX shares excluding the
finance companies.
D Concentration of funding Bank addresses the funding concentration by monitoring their funding from
REPORTS
sources each significant counterparty, each significant product / instrument and each
significant currency (‘significant’ is defined as aggregate amount is more than
1% of the bank’s liabilities).
E Derivative exposures and Derivative exposure of the bank consists of the following:
potential collateral calls 1. OTC Derivatives
a) Forwards
b) Currency Swaps
c) Interest Rate Swap
2. Exchange Traded Derivatives
FINANCIALS
a) Currency Futures
b) Interest Rate Futures
Potential collateral call comes into question if the trades take place on the
Exchange or the settlement takes place through Central Counterparty and is
guaranteed and also if the Credit Support Annex(CSA) which is an attachment
to the ISDA Master Agreement , is signed with the counterparties.
For exposure of trades under Currency Futures and Interest Rate Futures bank
is maintaining margins in the form of collaterals (G-Secs) and the same is being
maintained depending on the amount of exposure and the volatility in the market.
All Interbank USD/INR Swaps and forwards are being settled through CCIL
which is a Central Counterparty (CCP). Bank is maintaining margins in the form
of collaterals (G-Secs) with CCIL for guaranteed settlement of Interbank USD/
INR Swaps and Forwards.
Mar-22 Dec-21
Unweighted value by residual maturity Amount in Unweighted value by residual maturity Amount in
Cr. Cr.
( ` in Crore) No <6 6 months ≥ 1yr Weighted No <6 6 months ≥ 1yr Weighted
maturity months to < 1yr value maturity months to < 1yr value
ASF Item
1 Capital: (2+3) 23592.62 - - 3,000.00 26,592.62
2 Regulatory capital 23453.52 - - 2,200.00 25653.52 28178.03 - - - 28178.03
3 Other capital instruments 139.10 - - 800.00 939.10 1439.10 - - - 1439.10
4 Retail deposits and deposits from small 270607.03 252969.53 260760.93 243645.89
business customers: (5+6)
5 Stable deposits - - 188464.00 - 179040.80 - - 179221.18 - 170260.12
6 Less stable deposits - - 82143.03 - 73928.73 - - 81539.75 - 73385.78
7 Wholesale funding: (8+9) 16683.97 10081.53 9028.04 1420.66 9317.18 7069.19 8148.25
8 Operational deposits - - - - 0.00 - - - - 0.00
9 Other wholesale funding 16683.97 10081.53 9028.04 1420.66 9317.18 16400.48 9497.49 7069.19 4226.59 8148.25
10 Other liabilities: (11+12) - 11,635.86 38,319.55
36,963.19
11 NSFR derivative liabilities - - - - - -
12 All other liabilities and equity not - - 11635.86 36963.19 38319.55 - - 3668.53 52164.96 56492.05
included in the above categories
13 Total ASF (1+4+7+10) 327198.88 337903.33
RSF Item
14 Total NSFR high-quality liquid assets 7075.67 8473.75
(HQLA)
425
18 Performing loans to financial institutions - 1,851.03 1,918.66 1236.99 - 1,833.73 - 1098.82
secured by non-Level 1 HQLA and 1,213.06
unsecured performing loans to financial
institutions
426
small business customers, and loans to
sovereigns, central banks and PSEs, of
which:
20 With a risk weight of less than or equal - - - 17732.25 - - - 13007.50
to 35% under the Basel II Standardised 27,280.38 20,011.53
Approach for credit risk
21 Performing residential mortgages, of - - - 20116.4934 13075.72 - - - 19507.57 12679.92
which:
22 With a risk weight of less than or equal - - - 13075.72 - - - 12679.92
to 35% under the Basel II Standardised 20,116.49 19,507.57
Approach for credit risk
23 Securities that are not in default and - - - - - - - - - -
427
Securities with RBI for Repo 3,530.00
Total 24,090.00
428
authorities)
Held to Maturity
Gross 64046.11 - 7.54 28999.69 257.98 58.00 93369.33 - 47.49 - 47.49 93416.82
Less: Provision for non-performing - - - - - - - - - - -
investments (NPI)
Net 64046.11 - 7.54 28999.69 257.98 58.00 93369.33 - 47.49 - 47.49 93416.82
Available for Sale
Gross 46269.23 - 3031.28 7383.99 - 3618.43 60302.93 - - - - 60302.93
Less: Provision for depreciation 55.86 - 2248.27 986.44 - 1947.05 5237.63 - - - - 5237.63
and NPI
Net 46213.37 - 783.01 6397.55 - 1671.38 55065.30 - - - - 55065.30
Held to Trading
Gross 98.94 - 1.37 - - - 100.32 - - - - 100.32
Less: Provision for depreciation - - - - - - - - - - - -
and NPI
(Amount in ₹ Crore)
Note: Above Amount includes encumbered securities as on March 31st, 2021 Face Value
Collateral/Margin with CCIL - TREPS 8,550.00
Margin & Default Fund with CCIL, Securities with NSE clearing, MCX clearing, RBI RTGS 2,306.00
Securities with RBI for Repo 5,830.00
Total 16,686.00
b. Value of Investment
(Amount in ₹ crore)
Sr. Items 31.03.2022 31.03.2021
No.
1) Value of Investments
i) Gross Value of Investments 1,46,759.26 1,53,820.06
a) In India 1,46,711.77 1,53,772.57
b) Outside India 47.49 47.49
STRATEGY
ii) Provision for Depreciation 5,972.31 5,237.63
a) In India 5,972.31 5,237.63
Excess prov for dep (held at the of shifting) over current valuation 0.00 0.00
Total 5,972.31 5,237.63
b) Outside India 0.00 0.00
iii) Net Value of Investments 1,40,786.95 1,48,582.44
a) In India 1,40,739.46 1,48,534.95
b) Outside India 47.49 47.49
NOTICE
c. Movement of Provisions for Depreciation and Investment Fluctuation Reserve
(Amount in ₹ crore)
Sr. Particulars 31.03.2022 31.03.2021
No.
i) Movement of provisions held towards depreciation on investments
a) Opening balance 5237.63 4840.33
b) Add: Provisions made during the year 884.53 1314.43
c) Less: Write off / write back of excess provisions during the year 149.85 917.13
d) Closing balance 5972.31 5237.63
REPORTS
ii) Movement of Investment Fluctuation Reserve
Opening Balance - -
Add: Amount transferred during the year 658.09 -
Less: Drawdown - -
Closing Balance 658.09 -
iii) Closing balance in IFR as a percentage of closing balance of investment in 1.43 -
AFS and HFT/ Current Category
d. Sale and transfer to / from HTM category
As per the directives of Reserve Bank of India and our Investment policy, profit on sale of investments under HTM
category should be first taken to P&L account and thereafter be appropriated to the Capital Reserve Account. FINANCIALS
Profit on sale/redemption of HTM securities amounted to ₹ 257.27 crore for the financial year ended 31 March 2022.
e. During the year ended Mar 31, 2022 the value of sales and transfers of securities to/from HTM category (excluding
one-time transfer of securities to/from HTM category with the approval of Board of Directors permitted to be undertaken
by banks at the beginning of the accounting year, sale to RBI under pre-announced Open Market Operation auctions
and repurchase of Government securities by the government of India had not exceeded 5% of the Book Value of the
Investment held in HTM category at the beginning of the year.
Note:
(1) *Total under column 3 should tally with the total of Investments included under the following categories in schedule 8 to the balance sheet:
(a) Shares
(b) Debentures & Bonds
(c) Subsidiaries/Joint Ventures
(d) Others
431
b) Additions during the year since 1st April 1004.00 401.08
c) Reductions during the above period 286.72 617.96
d) Closing balance 2653.79 1936.51
e) Total provisions held 2577.01 1887.01
(Amount in ₹ crore)
Particulars Minimum Maximum Daily Average Outstanding
outstanding outstanding outstanding as on March 31,
during the year during the year during the year 2022
i) Securities sold under Repo
a) Government Securities 1764.00 1844.00 1765.29 1764.00
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 11985.00 36127.00 24189.97 22906.00
b) Corporate debt securities 0.00 0.00 0.00 0.00
c) Any other securities 0.00 0.00 0.00 0.00
433
Ratios (in percent) 31.03.2022 31.03.2021
Gross NPA to Gross Advances 14.84 16.55
Net NPA to Net Advances 3.97 5.77
Provision coverage ratio 86.69 82.54
STRATEGY
Closing balance as at March 31 (A-B) 21992.41 22478.36
*includes conversion to regular write off of ₹ 149.43 crore (Previous year ₹ 128.70 crore), ECGC Claims Appropriation
amount to ₹ 19.13 crore.
e) Overseas assets, NPAs and Revenue
(Amount in ₹ crore)
Particulars 31.03.2022 31.03.2021
Total Assets NIL NIL
Total NPAs NIL NIL
Total Revenue NIL NIL
NOTICE
f) Particulars of Resolution Plan & Restructuring:
As per RBI circular DBR.No.BP.BC.45/21.04.048/2018-19 dated 7th June 2019, the Bank has implemented Resolution
Plans for its 7 borrowers having total exposure of ₹ 4348.68 crore. The total exposure outstanding in such resolved
accounts as on 31.03.2022 was ₹ 2457.99 crore.
g) Disclosure of transfer of loan exposures (SMA)
1. Details of stressed loans (SMA) transferred during the:
(All Amounts in ₹ crore) To ARCs To permitted transferees To other transferees (please specify)
Quarter Year Year Quarter Year Year Quarter Year Year
REPORTS
Ended Ended Ended Ended Ended Ended Ended Ended Ended
31.03.2022 31.03.2022 31.03.2021 31.03.2022 31.03.2022 31.03.2021 31.03.2022 31.03.2022 31.03.2021
No: of accounts NIL NIL NIL NIL NIL NIL NIL NIL NIL
Aggregate principal outstanding NIL NIL NIL NIL NIL NIL NIL NIL NIL
of loans transferred
Weighted average residual tenor NIL NIL NIL NIL NIL NIL NIL NIL NIL
of the loans transferred
Net book value of loans NIL NIL NIL NIL NIL NIL NIL NIL NIL
transferred (at the time of
transfer)
FINANCIALS
Aggregate consideration NIL NIL NIL NIL NIL NIL NIL NIL NIL
Additional consideration NIL NIL NIL NIL NIL NIL NIL NIL NIL
realized in respect of accounts
transferred in earlier years
STRATEGY
4. Weighted average holding period NIL NIL NIL
5. Retention of beneficial economic interest NIL NIL NIL
6. Coverage of tangible security coverage NIL NIL NIL
7. Rating wise distribution of rated loans NIL NIL NIL
NOTICE
31.03.2022 31.03.2022 31.03.2021
1. No. of accounts Purchased during the year 89604 162184 336364
2. Aggregate outstanding 817.86 1315.95 2404.40
3. Weighted average maturity (In Months) 19.35 19.46 130.06
4. Weighted average holding period 3.20 3.86 17.50
5. Retention of beneficial economic interest 10% 10% 10%
6. Coverage of tangible security coverage 100% 100% 100%
7. Rating wise distribution of rated loans NA NA NA
REPORTS
ii. Co-Lending
(Amount ₹ in Crore)
Particulars Quarter Ended Year Ended Year Ended
31.03.2022 31.03.2022 31.03.2021
1. No. of accounts Purchased during the year 6369 13272 NIL
2. Aggregate outstanding 585.93 1500.21 NIL
3. Weighted average maturity (In Months) 204.00 204.00 NIL
4. Weighted average holding period 0.00 0.00 NIL
FINANCIALS
5. Retention of beneficial economic interest 20% 20% NIL
6. Coverage of tangible security coverage 100% 100% NIL
7. Rating wise distribution of rated loans NA NA NIL
k) Fraud Accounts
In terms of RBI circular RBI/2015-16/376/DBR.No.BP.BC.92/21.04.048/2016-16 dated 18.04.2016 details of Fraud and
Provision are as below:-
Out of the total frauds of ₹ 773.33 crore in 1243 cases (Previous year ₹ 4518.31crore in 1026 cases) reported during the
year, an amount of ₹ 758.34 Crore in 31 cases represents advances declared as frauds. Full provision has been made for
the outstanding balance as on 31st March, 2022 in respect of frauds reported during the year. The details of the same are
as under:
Provision thereon 0.00 0.00 0.00 0.00 0.00 0.73 (0.65) (0.04) (0.04) 0.00 0.58 (0.49) (0.07) (0.01) 0.00 1.31 (1.15) (0.11) (0.05) 0.00
4 Restructured standard No. of borrowers 0 0 0 0 0 0 0 0
advances which Amount 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
cease to attract higher outstanding
provisioning and / or
additional risk weight Provision thereon 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
at the end of the FY
and hence need not be
shown as restructured
standard advances at
the beginning of the
next FY*
5 Downgradations of No. of borrowers 0 0 0 0 0 (4444) 3954 24 466 0 (840) 784 20 36 0 (5284) 4738 44 502 0
restructured accounts Amount 0.00 0.00 0.00 0.00 0.00 (236.20) 226.14 2.25 7.81 0.00 (47.05) 42.60 0.41 4.04 0.00 (283.24) 268.74 2.65 11.85 0.00
during the FY outstanding
Provision thereon 0.00 0.00 0.00 0.00 0.00 (3.05) 3.04 0.01 0.00 0.00 (0.97) 0.95 0.02 0.00 0.00 (4.02) 3.99 0.03 0.00 0.00
6 Write-offs of No. of borrowers (1) 0 (1) 0 (2) (1637) (2278) 1938 4 (1973) (2808) (862) (93) 4 (3759) (4446) (3140.00) 1844.00 8.00 (5734
restructured accounts Amount (1.09) 0.00 (57.80) (34.82) (93.71) 43.84 (102.61) 65.58 (6.51) 0.30 (448.61) (46.72) (223.21) 84.03 (634.50) (405.86) (149.32) (215.43) 42.71 (727.91)
during the FY $
*Excluding the figures of Standard Restructured Advances which do not attract higher provisioning or risk weight (if applicable).
** provision held is figure of sacrifice provision. Final provision on Standard restructured accounts includes ₹ 6.55 Crores pertaining to out of purview accounts.
439
Sr. No. 2 includes ₹ 281.86 Crores of fresh/ additional sanction(813 no of accounts & ₹ 4.60 crore provision thereto) to existing restructured accounts.
Sr. No. 6 includes ₹ 441.20 Crore of reduction from existing restructured accounts by way of sale/recovery/Closure.
# Closing outstanding balance as on 31.03.2022 is after increase / recovery during the financial year.The figures also inludes accounts restructured under resolution framework under COVID19
scheme(RF1.0 & RF2.0).
(Amount in ₹ crore)
Amount Outstanding Of (1), total amount Provisions Provisions Description
of exposures required to be actually held
which are NPAs as made as per
per IRAC norms IRAC norms
and not classified
as NPA.
1 2 3 4 5
193.31 0 193.31 193.31 ILFS FIN CP
16.49 0 16.49 16.49 ILFS EQ
2.47 2.47 1.36 1.36 New TIRUPUR
212.27 2.47 211.16 211.16 TOTAL
r) Advances to units which have become sick including those under nursing/ rehabilitation/ restructuring programme
and other advances classified as doubtful/ loss assets have been considered secured/ recoverable to the extent of
estimated realizable value of securities carrying first or second charge based on valuers’ assessment of properties/
assets mortgaged to the Bank and other data available with the Bank.
STRATEGY
t) Floating Provisioning Buffer
(Amount in ₹ crore)
Particulars 31.03.2022 31.03.2021
A Opening balance in the Countercyclical Provisions account 100.56 100.56
B The quantum of Countercyclical Provisions made in the Accounting - -
Year
C Amount of draw down made during the Accounting Year. 100.56 -
D Closing balance in the Countercyclical Provisions account NIL 100.56
In accordance with the guidelines issued by Reserve Bank of India, the Bank has transferred the balance Floating
Provision amount of ₹ 100.56 crore and Countercyclical Provision amount of ₹47.34 Crore to bad and doubtful
NOTICE
provision accounts.
u) Provision on Standard Assets
(Amount in ₹ crore)
Items 31.03.2022 31.03.2021
Provisions towards Standard Assets held 1541.08 1029.83
*Previous year figures have been re-grouped / re-classified wherever considered necessary to confirm current year’s
classification.
v) Disclosure on Large Exposure framework:
REPORTS
Details of Accounts where bank has exceeded prudential exposure ceilings as per Large Exposure (LE) Framework
in respect of any Individual and Group Account based on Tier-1 capital, are as below:-
Large Exposures to counterparties (Single as well as group of connected counterparties) bank’s eligible capital
base. (Tier I Capital as of 31.03.2022 ₹ 17,049.44 Crore)
(Amount ₹ in Crore)
Sr. Borrower/ Customer Whether Single (S) or Exposure Exposure as % of Tier I
No. Name* Group (G) of connected Amount Capital ₹ 17,049.44 Crore
Counter parties
NIL FINANCIALS
w) S
tatement of Loans and Advances secured by Intangible Assets viz. Rights Licenses Authorizations etc.
which is shown as unsecured in Schedule-9:
CATEGORY 31.03.2022 31.03.2021
Advances against charge over intangible security such as Rights, NIL NIL
Licenses, Authorization etc. are considered as unsecured
Value of intangible security NIL NIL
Letters of Comfort (LoCs) issued by banks NIL NIL
value of intangible security NIL NIL
Unsecured Advances NIL NIL
STRATEGY
viii) Underwriting commitments taken up by the banks in respect 0.00 0.00
of primary issue of shares or convertible bonds or convertible
debentures or units of equity-oriented mutual funds
ix) Financing to stock brokers for margin trading 0.00 0.00
x) All exposures to Venture Capital funds (both registered and 471.22 490.17
unregistered)
Total Exposure to Capital Market 1,202.59 1,154.63
c) Risk Category-wise Country Exposure :
Risk Category Exposure Provision Exposure Provision
NOTICE
(net) as at March held as at March (net) as at March held as at March
31st (2022) 31st (2022) 31st (2021) 31st (2021)
Insignificant 15300.57 NIL 550.74 NIL
Low 351.35 NIL 725.76 NIL
Moderately Low NIL NIL NIL NIL
Moderate 3.76 NIL 178.83 NIL
Moderately High NIL NIL NIL NIL
High 22.38 NIL 3.40 NIL
Very High 56.08 NIL 1.61 NIL
Total 15734.15 NIL 1460.34 NIL
REPORTS
As the Bank’s Net Funded exposure for the year in respect of Foreign Exchange Transaction is less than 1 % of total
assets of the Bank, no provision is considered necessary.
d) Unsecured Advances
Particulars 31.03.2022 31.03.2021
Total unsecured advances of the bank 14416.76 10970
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
FINANCIALS
e) Factoring Exposures:
As the Bank’s Net Funded exposure for the year in respect of Foreign Exchange Transaction is less than 1% of total
assets of the Bank, no provision is considered necessary.
f) Intra-Group Exposures
(Amount in ₹ crore)
Particulars 31.03.2022 31.03.2021
Total amount of intra-group exposures 1099.69 761.28
Total amount of top-20 intra-group exposures 1099.69 761.28
Percentage of intra-group- exposures to total exposure of the bank on 0.40% 0.29%
borrowers/customers
Details of breach of limits on intra-group exposures and regulatory action NIL NIL
thereon if any
STRATEGY
iv) Concentration of credit risk arising from the swaps Not Significant Not Significant
v) The fair value of the swap book 2.90 -3.78
b) Forward Rate Agreement / Currency Rate Swap
(Amount in ₹ crore)
Sr. Particulars 31.03.2022 31.03.2021
No.
i) The Notional Principal of Swap agreements 0.00 351.48
ii) Losses which would be incurred if counter parties failed to fulfill their 0.00 3.78
obligations under the agreements.
iii) Collateral required by the bank upon entering into swaps 0.00 0.00
NOTICE
iv) Concentration of credit risk arising from the swaps Not Significant Not Significant
v) The fair value of the swap book 0.00 3.78
c) Exchange Traded Interest Rate Derivatives
(Amount in ₹ crore)
Sr. Particulars 31.03.2022 31.03.2021
No.
i) Notional principal amount of exchange traded interest rate NIL NIL
derivatives undertaken during the year (instrument wise)
ii) Notional principal amount of exchange traded interest rate NIL NIL
derivatives outstanding as on 31 st March 2022 (instrument wise)
REPORTS
iii) Notional principal amount of exchange traded interest rate NIL NIL
derivatives 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)
d) Exchange Traded Currency Derivatives
(Amount in ₹ crore)
Sr. Particulars 31.03.2022 31.03.2021
No.
i) Notional principal amount of exchange traded Currency derivatives
undertaken during the year FINANCIALS
a) Currency Futures 133.93 8992.53
b) Currency Options 0.00 0.00
ii) Notional principal amount of exchange traded Currency derivatives
outstanding as on 31 st March 2022
a) Currency Futures 0.00 65.80
b) Currency Options 0.00 0.00
iii) Notional principal amount of exchange traded Currency derivatives
outstanding and not 'highly effective'
a) Currency Futures 0.00 0.00
b) Currency Options 0.00 0.00
iv) Mark to market value of exchange traded Currency derivatives
outstanding and not 'highly effective' (instrument wise)
a) Currency Futures 0.00 2.15
b) Currency Options 0.00 0.00
STRATEGY
ii) Marked to Market Positions
a) Asset (+) 664 17 558 9
b) Liability (-) 562 14 484 13
iii) Credit Exposure 936 353 1423 130
iv) Likely impact of one percentage change in interest - 0.01 - 0.01
rate (100*PV01)
a) On hedging derivatives - 0.00 - 0.00
b) On trading derivatives - 0.01 - 0.01
v) Maximum and Minimum of 100* PV01 observed
NOTICE
during the year
a) On hedging - Max-0.00 - Max-0.00
Min-0.00 Min-0.00
b) On trading - Max-0.04 - Max-0.04
Min-0.01 Min-0.01
ii. Credit Default Swaps
Bank has not taken any position in Credit Default Swap in the financial year 2021-22 (Previous Year-Nil).
8. Disclosure Relating to securitization
(Amount in ₹ crore)
REPORTS
Sr. Particulars 31.03.2022 31.03.2021
No.
1 No of SPEs holding assets for securitization transactions originated NIL NIL
by the originator (only the SPVs relating to outstanding securitization
exposures to be reported here)
2 Total amount of securitized 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 NIL NIL
First loss NIL NIL FINANCIALS
Others NIL NIL
b) On-balance sheet exposures NIL NIL
First loss NIL NIL
Others NIL NIL
4 Amount of exposures to securitisation transactions other than MRR NIL NIL
a) Off-balance sheet exposures NIL NIL
i) Exposure to own securitizations NIL NIL
First loss NIL NIL
Loss NIL NIL
ii) Exposure to third party securitisations NIL NIL
First loss NIL NIL
Others NIL NIL
STRATEGY
3 Number of complaints disposed during the year 28191 24075
3.1 Of which, number of complaints rejected by the bank 0 0
4 Number of complaints pending at the end of the year 384 162
Maintainable complaints received by the bank from Office of Ombudsman
5 Number of maintainable complaints received by the bank from Office of 5911 5383
Ombudsman
5.1 O
f 5, number of complaints resolved in favour of the bank by Office 5543 4017
of Ombudsman
5.2 Of 5, number of complaints resolved through conciliation/mediation/ 367 1021
advisories issued by Office of Ombudsman
NOTICE
5.3 O
f 5, number of complaints resolved after passing of Awards by 01 02
Office of Ombudsman against the bank
6 Number of Awards unimplemented within the stipulated time (other than 0 0
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.
REPORTS
No.
1 Number of complaints pending at beginning of the year 4219 9865
2 Number of complaints received during the year 155153 190146
3 Number of complaints disposed during the year 158833 195792
3.1 Of which, number of complaints rejected by the Bank 27819 21442
4 Number of complaints pending at the end of the year 539 4219
STRATEGY
treated as NIL.
14. Disclosure on Remuneration
(Amount in ₹ crore)
Name Designation Key Management Personnel
31.03.2022 31.03.2021
Mr. M V Rao (w.e.f. 01.03.2021) Managing Director & CEO 0.32 0.02
Mr. Pallav Mohapatra (up to 28.02.2021) Managing Director & CEO 0.00 0.94
Mr. B. S. Shekhawat (up to 08.10.2020) Executive Director 0.00 1.30
Mr. Alok Srivastava Executive Director 0.29 0.27
NOTICE
Mr. Vivek Wahi (w.e.f. 10.03.2021) Executive Director 0.27 0.01
Mr. Rajeev Puri (w.e.f. 10.03.2021) Executive Director 0.28 0.01
Total 1.16 2.55
Note: Keeping in line with para 9 of the AS – 18 – “Related Party Disclosure” issued by ICAI, the transactions with the
Subsidiaries and Associates Enterprises have not been disclosed which exempts the State Controlled Enterprises from
making any disclosures pertaining to transactions with other related State Controlled Enterprises.
Further, transactions in the nature of Banker-Customer relationship including those with KMP and relatives of KMP have
not been disclosed in terms of Para 5 of AS-18.
15. Other Disclosures
REPORTS
i. Business Ratios
Sr. Items 31.03.2022 31.03.2021
No.
(i) Interest Income as a percentage to Working Funds * 6.65 % 6.67%
(ii) Non-interest income as a percentage to Working Funds ** 0.87% 0.91%
(iii) Cost of Deposits 3.86 % 4.35%
(iv) Net Interest Margin ** 3.21 % 2.78%
(v) Operating Profit as a percentage to Working Funds *** 1.67% 1.34%
(vi) Return on Assets *** 0.30% (0.26)% FINANCIALS
(vii) Business (deposits plus advances) per employee **** (in ₹ Crore) 17.15 crore 15.60 crore
(viii) Profit per employee (in ₹ Crore) 0.03 (0.03)
* 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.
** Net Interest Income/ Average Earning Assets. Net Interest Income= Interest Income – Interest Expense
***Return on Assets would be with reference to average working funds (i.e. total of assets excluding accumulated losses,
if any)
****For the purpose of computation of business per employee (deposits plus advances), inter-bank deposits shall be
excluded.
Note : -ve indicates sale of PSLC and +ve indicates purchase of PSLC. Commission Rate for the above PSLC’s
ranges from 0.10% to 2.85%.
iv. Payment of DICGC Insurance Premium
(Amount in ₹ crore)
Provisions debited to Profit and Loss Account 31.03.2022 31.03.2021
i) Payment of DICGC Insurance Premium 448.98 429.35
ii) Arrears in payment of DICGC premium - -
v. isclosure on amortization of expending on account of enhancement in family pension of employees of
D
Banks :-
RBI vide their Circular No.:RBI/2021-22/105 DORACC.REC.57/21.04.018/2021-22 dated 4th October 2021, has
permitted Banks to amortize the additional liability on account of revision in family pension for employees over a
period of not exceeding 5 (five) years, beginning with financial year ending 31st March, 2022 subject to a minimum
of 1/5th of the total amount being expensed every year. Based on the Actuarial Valuation report obtained by the
Bank the additional liability on account of revision in family pension for employees is arrived at ₹ 82,195.00 lakh.
Bank has opted to amortize as per the said circular of RBI and has charged an amount of ₹ 54,452.00 lakh out
of ₹ 82,195.00 lakh to the Profit & Loss account during the financial year ended 31st March 2022. The balance
unamortized expense of ₹ 27,743.00 lakh has been carried forward to subsequent years. The consequential impact
of unamortized pension liability on net profit for the current year is ₹ 18,048.00 lakh (Net of Taxes).
vi. Balancing of Books / Reconciliation:
a) The parent Bank is under process of reconciling the outstanding balances/entries in various heads of accounts
included in Inter office adjustment (IBR) account.
The Net balance of IBR account as at 31st March, 2022 is ₹.19.01 Crore (net credit) and as at 31st March, 2021
is ₹ 10.30 Crore (net credit).
b) The reconciliation of the following items are in progress :
- Inter Branch Office Balance
- Inter Bank Accounts
STRATEGY
- GST
- Fixed Asset
- Other Assets
- Other Liabilities
The management is of the opinion that the overall impact, if any, on the accounts will not be significant.
16. Income Tax:
a) Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and judicial
decisions on disputed issues.
NOTICE
b) Other Assets [Schedule 11 (ii)] includes ₹ 2405.58 crore (previous year ₹ 1771.51 crore) towards disputed Income
Tax liability of the parent Bank. It includes Income tax appeals at various levels by bank and Income tax department.
Provision for disputed amount of taxation is not considered necessary by the Bank on the basis of various judicial
pronouncements and favorable decisions in Bank’s own case. Disputed service tax matter as on March 31st, 2022 is
₹ 7.64 crore.
c) Government of India has inserted Section 115BAA in the Income Tax Act 1961 (“Act”) vide the Taxation Laws
(Amendment) Ordinance 2019 dated September 20, 2019 which provides a non-reversible option to domestic
companies to pay corporate tax at a reduced rate effective from April 01, 2019 subject to certain conditions. The
Bank has assessed the applicability of the act and opted to continue the existing tax rate (i.e. 34.944%) for the
financial year ended March 31st, 2022.
REPORTS
17. Premises:
a) Premises obtained on Lease by the Bank include properties costing ₹ 1.45 crore (previous year ₹ 1.45 crore) for
which registration formalities are still under progress.
b) The premises of the Bank were revalued to reflect the market value as on 31.03.2021 based on valuation reports of
external independent valuers’ and approved by the Board of Director and ₹ 881.96 crore increases in value thereof
have been credited to Revaluation Reserve Account.
c) In the case of assets, which have been revalued, the depreciation is provided on the revalued amount charged
to Profit & Loss Account and the amount of incremental depreciation attributable to the revalued amount ₹ 54.12
crore (previous year ₹ 58.85 crore) is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other
FINANCIALS
Reserves”.
d) Land obtained on lease by bank includes ₹ 8.02 crore (previous year ₹ 8.02 crore) with written down value as NIL
(previous year ₹ NIL), the lease period of which has expired and the bank is still having its offices/building on these
lands and perusing with authorities for lease renewals.
18. In terms of RBI guidelines DBOD No.BP.BC.57/62-88 dated December 31, 1988, Inter-Bank Participation Certificates
(IBPC) Lending of ₹ NIL has been undertaken. Accordingly, these have been adjusted from the advances of the Bank.
Interest income of ₹ NIL has been recognized against these borrowings.
19. Amount lying in Blocked accounts pertaining to old NOSTRO/MIRROR Credit entries are carried at historical cost using
the exchange rate on the date of the crystallization.
The Bank maintains 15 Nostro Accounts for 8 different currencies. These Nostro accounts are operated by one ‘A’
category Branch (Integrated Treasury Branch) and Sixty two ‘B’ category branches.
Reconciliation of these Nostro accounts is done by Integrated Treasury Branch. Reconciliation is an ongoing process and
(Amount ₹ in Crore)
Particulars Pension Plan Gratuity Plan
Current Year Previous Year Current Year Previous Year
FY(21-22) FY(20-21) FY(21-22) FY(20-21)
Change in the Present Value of the
Defined Benefit Obligation
Opening Defined Benefit Obligation 1st April, 15557.68 15421.82 1726.67 1623.23
2021
Current Service Cost 82.63 78.11 100.62 82.83
Interest Cost 1012.96 1000.65 103.25 101.61
Past Service Cost (Vested Benefit) 821.95 0.00 0.00 0.00
Actuarial Losses (gains) 301.95 598.99 100.23 244.23
Benefits Paid (1539.75) (1541.90) (300.56) (325.23)
Direct Payment by Bank 0.00 0.00 0.00 0.00
Closing Defined Benefit Obligation at 31 st
16237.43 15557.68 1730.20 1726.67
March ,2022
Change in Plan Assets
Opening Fair Value of Plan Assets as at 1st 15198.05 14939.64 1534.62 1720.32
April, 2021
Expected Return on Plan Assets 1074.53 1037.01 98.93 106.55
Contributions by Employer 976.98 487.00 252.11 0.00
Expected Contributions by the employees 0.00 0.00 0.00 0.00
Benefits Paid (1539.75) (1541.90) (300.56) (325.24)
Actuarial Gains /(Loss)on Plan Assets 98.07 276.30 45.41 32.99
Closing Fair Value of Plan Assets as at 31 st
15807.88 15198.05 1630.51 1534.62
March, 2022
Amount Recognized in the Balance Sheet
Present Value of Funded obligation at 31st 16,237.43 15,557.68 1,730.20 1,726.67
March, 2022
STRATEGY
Net Cost Recognized in the Profit and Loss
Account
Current Service Cost 82.63 78.11 100.62 82.84
Past Service Cost-Recognized 544.52 0.00 0.00 0.00
Interest Cost 1,012.96 1,000.65 103.25 101.61
Expected Return on Plan Assets (1,074.53) (1,037.01) (98.93) (106.55)
Net Actuarial Losses/(Gain) Recognized 203.88 322.69 54.82 211.24
During the Year
Total Cost of Defined Benefit Plans included in 769.47 364.45 159.76 289.14
NOTICE
Schedule 16 "Payments to and provisions for
Employees"
Reconciliation of Expected Return and
Actual Return on Plan Assets
Expected Return on Plan Assets 1,074.53 1,037.01 98.93 106.55
Actuarial Gain/(loss)on Plan Assets 98.07 276.30 45.41 32.99
Actual Return on Plan Assets 1,172.60 1,313.31 144.34 139.54
Reconciliation of Opening and Closing Net
Liability /(Asset) Recognized in Balance
REPORTS
Sheet
Opening Net Liability /(Asset) as at 1st April, 359.63 482.18 192.05 (97.09)
2021
Expenses as Recognized in Profit And Loss 769.47 364.45 159.76 289.14
Account
Employer's Contribution (976.98) (487.00) 252.11 0.00
Net Liability/(Assets) Recognized in Balance 152.12 359.63 99.69 192.05
Sheet
Investment under Plan Assets of Pension Funds & Gratuity Fund as on 31st March, 2022 are as follows-
FINANCIALS
CATEGORY OF ASSETS PENSION FUND GRATUITY FUND
% OF PLAN % OF PLAN
ASSETS ASSETS
Central Govt. Securities 0.62 2.39
State Govt. Securities 21.50 39.46
Debt Securities, Money Market Securities and Bank Deposits 22.91 39.23
Mutual Funds 2.29 1.92
Insurer Managed Funds 52.68 15.62
Others 0.00 1.38
Total 100.00 100.00
STRATEGY
The bank has a defined contribution pension scheme (DCPS) applicable to all categories of officers and
employees joining bank on or after 01/04/2010. The scheme is managed by NPS trust under the aegis of the
Pension Fund Regulatory and Development Authority. National Securities Depositary Limited (NSDL) has been
appointed as the Central Record Keeping Agency for the NPS. During 2021-22, the bank has contributed ₹
146.97 crore (Previous year ₹ 103.67 crore).
iii. Long Term Employee Benefits (Unfunded Obligation):
During the year bank has recognized expenses of ₹ 43.24 crore (Previous Year ₹ 131.20 crore) towards leave
encashment expenses based on actuarial valuation.
d) Accounting Standard 17 –
NOTICE
Segment Reporting
As per the revised guidelines of Reserve Bank of India the Bank has recognized Treasury Operations Corporate/
Wholesale Banking Retail Banking and other Banking business as primary reporting segments. There are no
secondary reporting segments.
The following are the primary segments of the Bank:-
- Treasury
- Corporate / Wholesale Banking
- Retail Banking
REPORTS
- Other Banking Business.
The present accounting and information system of the Bank based on the present internal, organizational 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 –
FINANCIALS
The Corporate / Wholesale Banking segment comprises the lending activities of Corporate Accounts, Trust /
Partnership Firms Companies and statutory bodies which are not included under Retail Banking and Stressed Assets
Management Branch. These include providing loans and transaction services to corporate and institutional clients.
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. The Retail Banking
Segment consists of all exposures up to a limit of ₹ 5 crore (including Fund Based and Non Fund Based exposures)
subject to orientation product granularity criteria and individual exposures. This segment also includes agency
business and ATMs.
(Amount in ₹ crore)
Business Segment (Solo)
Business Segment Treasury Corporate/Wholesale Retail Banking Other Banking Total
Banking Operations
458
Particulars 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Revenue 11,628.52 12,549.65 5,296.04 5,201.19 8,845.57 8,095.06 - - 25,770.13 25,845.90
Result 2,536.03 4,004.01 291.52 (3,424.09) (849.42) (1,696.81) - - 1,978.13 (1,116.89)
Unallocated Expenses 261.17 206.72
Operating Profit 1,716.96 (1,323.61)
Income Taxes 672.13 (436.03)
Extraordinary profit/loss - - - - - - - - - -
Net Profit 1,044.83 (887.58)
Other Information
Segment Assets 197,643.37 192,414.73 65,074.66 60,023.68 1,08,689.45 100,504.58 - - 3,71,407.48 352,942.99
STRATEGY
II. Subsidiaries –
Name
i) Cent Bank Home Finance Ltd.
ii) Cent Bank Financial & Custodial Services Ltd.
III. Associates –
i) Regional Rural Banks –
a. Uttar Bihar Gramin Bank, Muzzaffarpur (Bihar)
b. Uttarbanga Kshetriya Gramin Bank, Cooch Behar (West Bengal)
ii) Indo – Zambia Bank Ltd., Zambia
#In respect of related party disclosure regarding remuneration details are mentioned in note no.13.
NOTICE
f) Accounting Standard 20 – Earnings per Share
Earnings per share as per AS 20 have been arrived at as follows:
Particulars 31.03.2022 31.03.2021
Net Loss after Tax available for Equity Share Holder (₹in Crore) 1044.83 (887.58)
Weighted Average number of Equity Share (No.) 823,51,53,502 579,37,98,207
Basic Earnings per Share (₹) * 1.27 (1.53)
Diluted Earnings per Share (₹) * 1.27 (1.53)
Nominal Value per Share (₹) 10 10
g) Accounting Standard 22 –Accounting for Taxes on Income
REPORTS
Keeping in view the significant provisioning requirements and revision in guidelines of Deferred Tax Assets (DTA)
in CET1 calculation by RBI tax review based on management’s estimate of possible tax benefits against timing
difference has been carried out and ₹ 6,862.05 crore has been recognized as Deferred Tax Assets as at 31st March
2022. Component of deferred tax assets/ liabilities as on 31st March 2022 are as under:
(Amount ₹ in Crore)
Particulars Deferred Tax Assets Deferred Tax Liability
31.03.2022 31.03.2021 31.03.2022 31.03.2021
Business Loss 1655.92 2278.67
Provision for Leave Encashment 346.52 331.41
Provision for Loans and Advances 5728.37 5810.18 FINANCIALS
Interest on Income Tax Refund 0 0.00 26.94 0.00
Interest accrued but not due on investments 0 0.00 760.96 787.93
Special Reserve u/s36(1)(viii) of I.T. Act 1961 0 0.00 34.94 34.94
Depreciation on Fixed Assets 0 0.00 45.90 51.71
TOTAL 7730.80 8420.26 868.75 874.58
Net Deferred Tax Asset/Liability 6862.05 7545.68
Net decrease in Deferred Tax Assets for the year 2021-22 is ₹ 683.63 crore (Previous year ₹ 71.12 crore) has been
recognized in profit & loss account.
h) Accounting Standard – 28 –Impairment of Assets
A substantial portion of Bank’s assets comprise financial assets to which Accounting Standard-28 on impairment of
assets is not applicable. In the opinion of the Management there is no material impairment on Other Assets other
than financial assets as at March 31, 2022 requiring recognition in terms of the Standard.
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
(₹ In Crore)
Sn Particulars 31-03-2022 31-03-2021
A CASH FLOW FROM OPERATING ACTIVITIES
Net Profit/(Loss) before taxes 1,716.96 (1,323.61)
STRATEGY
I Adjustments for:
Depreciation on fixed assets 296.61 292.32
Depreciation on investments (including on matured debentures) 368.87 398.67
Bad Debts written off/Provision in respect of non performing assets 3,057.49 5,205.48
Provision for Standard Assets (222.47) 263.15
Provision for Other items (Net) 276.30 86.34
(Profit) / Loss on sale of fixed assets (Net) (9.13) 21.00
Dividend Received from Subsidiaries (8.01) (6.48)
Sub total 5,476.62 4,936.87
NOTICE
II Adjustments for :
Increase / (Decrease) in Deposits 12,718.99 16,209.78
Increase / (Decrease) in Borrowings 2,005.72 (318.57)
Increase / (Decrease) in Other Liabilities and Provisions 1,826.75 (8,264.10)
(Increase) / Decrease in Advances (14,652.34) (10,683.25)
(Increase) / Decrease in Investments 7,426.61 (6,464.03)
(Increase) / Decrease in Other Assets (819.48) 954.48
Direct Taxes paid (Net of Refund etc.) 285.45 1,641.94
Sub total 8,791.70 (6,923.76)
REPORTS
NET CASH FLOW FROM OPERATING ACTIVITIES (A) 14,268.32 (1,986.89)
FINANCIALS
C CASH FLOW FROM FINANCING ACTIVITIES
Share Capital (Including Share Premium) - 255.00
Share Application Money - 4,800.00
Dividend - Equity shares Including Interim Dividend - -
Dividend Tax - -
NET CASH FLOW FROM FINANCING ACTIVITIES (C) - 5,055.00
Notes:
1) The above Cash Flow Statement has been prepared under the ‘Indirect Method’ as set out in the Accounting Standard -3
on Cash Flow Statement issued by ICAI.
2) Previous year figures have been regrouped/rearranged to conform to those of current years.
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
STRATEGY
INDEPENDENT AUDITORS’ REPORT
To the Members of Regulation Act, 1949 (hereinafter referred to as “the
Central Bank of India Act”) in the manner so required and are in conformity
Mumbai with accounting principles generally accepted in India
and:
Report on Audit of the Consolidated a) the consolidated Balance Sheet, read with the notes
Financial Statements thereon is a full and fair Balance Sheet containing
NOTICE
all the necessary particulars, is properly drawn up
Opinion
so as to exhibit a true and fair view of the state of
1. We have audited the accompanying consolidated affairs of the Bank as at 31st March, 2022;
financial statements of Central Bank of India (‘the Parent
Bank’) which comprise the consolidated Balance Sheet b) the consolidated Profit and Loss Account, read with
as at 31st March 2022, the consolidated Profit and Loss the notes thereon shows a true balance of profit for
Account and the consolidated Cash Flow Statement the year ended on that date; and
for the year then ended, and notes to consolidated c) the consolidated Cash Flow Statement gives a true
financial statements including a summary of significant and fair view of the cash flows for the year ended on
accounting policies and other explanatory information that date.
(hereinafter referred to as “Consolidated Financial
REPORTS
Basis for Opinion
Statements”) which includes:
2. We conducted our audit in accordance with the Standards
a) audited standalone financial statements of the
on Auditing (“SAs”) issued by the Institute of Chartered
Parent Bank audited by us;
Accountants of India (“ICAI”). Our responsibilities under
b) audited financial statements of two (2) subsidiaries those Standards are further described in the “Auditors’
– (i) Cent Bank Home Finance Limited and (ii) responsibilities for the audit of the consolidated financial
Centbank Financial Services Limited – audited by statements” section of our report. We are independent
other auditors of the Group in accordance with the Code of Ethics
c) unaudited financial statements of three (3) issued by the Institute of Chartered Accountants of India
associates – (i) Uttar Bihar Gramin Bank, together with ethical requirements that are relevant
FINANCIALS
Muzzaffarpur; (ii) Uttarbanga Kshetriya Gramin to our audit of the consolidated financial statements,
Bank, Cooch Behar; and (iii) Indo-Zambia Bank and we have fulfilled our other ethical responsibilities
Limited. in accordance with these requirements and the Code
of Ethics. We believe that the audit evidence we have
The above entities together with the Parent Bank are obtained is sufficient and appropriate to provide a basis
referred to as “the Group”. for our opinion on the consolidated financial statements.
In our opinion and to the best of our information and
Emphasis of Matter
according to the explanations given to us, and based
on the consideration of the reports of the other auditors 3. We draw attention to:
on separate financial statements of subsidiaries, the a) Note no. 5.14 of Schedule 18 to the consolidated
unaudited financial statements and other financial financial statements regarding amortization of
information of the associates as furnished by the additional liability on revision of family pension
management, the aforesaid consolidated financial amounting to ₹ 821.95 crore. The Parent Bank
statements give the information required by the Banking has charged an amount of ₹ 544.52 crore to
STRATEGY
» We assessed and understood the system and internal
Valuation of Investments, identification of
Non-Performing Investments (NPI) and the control as laid down by the Parent Bank to comply with
corresponding non-recognition of income and relevant RBI guidelines regarding valuation, classification,
provision thereon, is carried out in accordance with identification of Non- Performing Investments, Provisioning
the relevant circulars / guidelines / directions of and depreciation on Investments.
RBI. (refer Schedule 8 read with Note 4 of Schedule
» Tested accuracy and compliance for selected sample of
17 to the consolidated financial statements)
investments with the RBI Master circulars and directions
The valuation of each type of aforesaid security is to by re-performing valuation for each category of security in
be carried out as per the methodology prescribed in accordance with the RBI guidelines.
the circulars and directives issued by the RBI which
involves collection of data/ information from various » We assessed and evaluated the process of identification
sources such as FBIL rates, rates quoted on BSE/ of NPIs, and corresponding reversal of income and
NOTICE
NSE, financial statements of unlisted companies, creation of provision.
NAV in case of security receipts etc.
» We carried out substantive audit procedures to re-
As per the RBI directions, there are certain compute independently the provision to be created and
investments that are valued at market price
depreciation to be provided.
however certain investments are based on the
valuation methodologies that include statistical » We assessed that the financial statement disclosures
models with inherent assumptions, assessment of appropriately reflected the Bank’s exposure to investments
price for valuation based on financial statements valuation risks with reference to the requirements of the
etc. The price discovered for the valuation of prevailing accounting standards and the RBI guidelines.
these Investments is only a fair assessment of the
Investments.
REPORTS
Hence, the valuation of Investments requires special
attention and further in view of the significance
of the amount of Investments in the financial
statements, the same has been considered as Key
Audit Matter in our audit.
3. Information technology (IT) systems used in We conducted an assessment and identified key IT
financial reporting process applications, database and operating systems that are
The Group’s operational and financial reporting relevant to our audit and have identified CBS and Treasury
processes are dependent on IT systems run System primarily as relevant for financial reporting. For the key
through Core Banking Solutions (CBS) and other IT systems pertaining to CBS and treasury operations used FINANCIALS
integrated software with automated processes and to prepare accounting and financial information, our areas of
controls large volume of transactions. audit focus included Access Security (including controls over
The process and controls are to ensure appropriate privileged access), application change controls, database
user access and management processes in use. management and network operations. In particular:
The Bank has an in-house Department of Information » We obtained an understanding of the Parent Bank’s IT
& technology (DIT) run under the supervision of the control environment and key changes during the audit
top management and with the support of expert period that may be relevant to the audit.
consulting agencies, for maintaining IT services.
» We tested the design, implementation, and operating
Accordingly, our audit was focused on key IT effectiveness of the Bank’s General IT controls over the
systems and controls due to the pervasive Impact key IT systems that are critical to financial reporting
on the financial statements and the same has been including obtaining reports from independent experts.
considered as Key Audit Matter in our audit. This included evaluation of Bank’s controls to evaluate
segregation of duties and access rights being provisioned
/ modified based on duly approved requests, access for
exit cases being revoked in a timely manner.
Information other than the consolidated financial In connection with our audit of the consolidated financial
statements and Auditors’ report thereon statements, our responsibility is to read the other
information identified above when it becomes available
5. The Parent Bank’s management and Board of Directors
and, in doing so, consider whether the other information
are responsible for the other information. The other
is materially inconsistent with the consolidated financial
information comprises the Corporate Governance
statements, or our knowledge obtained in the audit or
Report, which we obtained at the time of issuance of
otherwise appears to be materially misstated.
this auditors’ report, and the Directors’ Report including
annexures, and Management Discussion and Analysis If, based on the work we have performed on the other
which is expected to be made available to us after that information that we obtained prior to the date prior to
date but does not include the financial statements and the date of auditor’s report, we conclude that there is
our auditor’s report thereon. a material misstatement of this information, we are
required to report that fact. We have nothing to report in
Our opinion on the consolidated financial statements
this regard.
does not cover the other information and the Pillar 3
disclosures under Capital Adequacy Framework (Basel When we read the Directors’ Report including annexures,
III disclosures) and we do not express any form of and Management Discussion and Analysis, if we
assurance conclusion thereon. conclude that there is material misstatement therein,
STRATEGY
view of the consolidated financial position, consolidated to fraud or error, design and perform audit procedures
financial performance and consolidated cash flows of responsive to those risks, and obtain audit evidence
the Group in accordance with the accounting principles that is sufficient and appropriate to provide a basis
generally accepted in India, including the applicable for our opinion. The risk of not detecting a material
Accounting Standards issued by ICAI, and provisions misstatement resulting from fraud is higher than for
of Section 29 of the Banking Regulation Act, 1949 and one resulting from error, as fraud may involve collusion,
circulars and guidelines issued by the Reserve Bank forgery, intentional omissions, misrepresentations, or
of India (‘RBI’) from time to time (“RBI guidelines”) the override of internal control.
and judicial pronouncements. This responsibility » Obtain an understanding of internal control relevant
also includes maintenance of adequate accounting to the audit in order to design audit procedures that
records in accordance with the provisions of the Act
NOTICE
are appropriate in the circumstances but not for the
for safeguarding of the assets of the Group and for purpose of expressing an opinion on the effectiveness
preventing and detecting frauds and other irregularities; of the Group’s internal control.
selection and application of appropriate accounting
» Evaluate the appropriateness of accounting policies
policies; making judgments and estimates that are
used and the reasonableness of accounting estimates
reasonable and prudent; and design, implementation
and related disclosures made by management.
and maintenance of adequate internal financial controls,
that were operating effectively for ensuring the accuracy » Conclude on the appropriateness of management’s
and completeness of the accounting records, relevant use of the going concern basis of accounting and,
to the preparation and presentation of the consolidated based on the audit evidence obtained, whether
financial statements that give a true and fair view and a material uncertainty exists related to events or
REPORTS
are free from material misstatement, whether due to conditions that may cast significant doubt on the
fraud or error. Group’s ability to continue as a going concern. If we
conclude that a material uncertainty exists, we are
In preparing the consolidated financial statements,
required to draw attention in our auditor’s report to
the respective Board of Directors of the Group are
the related disclosures in the consolidated financial
responsible for assessing the Group’s ability to continue
statements or, if such disclosures are inadequate,
as a going concern, disclosing, as applicable, matters
to modify our opinion. Our conclusions are based
related to going concern and using the going concern
on the audit evidence obtained up to the date of our
basis of accounting unless Board of Directors either
auditors’ report. However, future events or conditions
intends to liquidate the Group or to cease operations, or
may cause the bank to cease to continue as a going
has no realistic alternative but to do so. The respective FINANCIALS
concern.
Board of Directors are also responsible for overseeing
the Group’s financial reporting process. » Evaluate the overall presentation, structure and
content of the consolidated financial statements,
Auditors’ responsibilities for the audit of the
including the disclosures, and whether the
consolidated financial statements consolidated financial statements represent the
7. Our objectives are to obtain reasonable assurance underlying transactions and events in a manner that
about whether the consolidated financial statements as achieves fair presentation.
a whole are free from material misstatement, whether
» Obtain sufficient appropriate evidence regarding the
due to fraud or error, and to issue an auditors’ report that
financial information of the entities or business activities
includes our opinion. Reasonable assurance is a high
within the Group of which we are the independent
level of assurance but is not a guarantee that an audit
auditors and whose financial information we have
conducted in accordance with SAs will always detect a
audited, to express an opinion on the consolidated
material misstatement when it exists. Misstatements can
financial statements. We are responsible for the
arise from fraud or error and are considered material
direction, supervision, and performance of the audit
STRATEGY
b) The transactions, which have come to our notice, audited by branch auditors of the Parent Bank
have been within the powers of the Bank; and under section 29 of the Banking Regulation Act,
c) The returns received from the offices and branches 1949 have been sent to us and have been properly
of the Group have been found adequate for the dealt with by us in preparing this report; and
purposes of our audit. d) In our opinion, the consolidated Balance Sheet,
11. We further report that: the consolidated Profit and Loss Account and the
consolidated Cash Flow Statement comply with the
a) in our opinion, proper books of account as required applicable accounting standards, to the extent they
by law have been kept by the Group so far as it are not inconsistent with the accounting policies
appears from our examination of those books and prescribed by RBI.
the reports of the other auditors and proper returns
NOTICE
For S JAYKISHAN For CHHAJED & DOSHI
Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W
REPORTS
For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants
F.R. No. 122063W F.R. No. 000291N
(000’s Omitted)
Year Ended Year Ended
SCHEDULE
PARTICULARS 31-Mar-22 31-Mar-21
NO. (`) (`)
CAPITAL & LIABILITIES
Capital 1 8,68,09,394 5,87,55,625
Reserves and Surplus 2 18,86,84,669 15,82,12,803
Minorities Interest 2A 5,76,992 5,05,403
Share Application Money Pending Allotment - 4,80,00,000
Deposits 3 3,43,16,45,666 3,30,32,83,137
Borrowings 4 7,66,33,015 5,75,96,647
Other Liabilities and Provisions 5 9,00,02,944 7,33,91,206
TOTAL 3,87,43,52,680 3,69,97,44,821
ASSETS
Cash and Balances with Reserve Bank of India 6 38,03,36,980 32,18,81,038
Balances with Banks and Money at Call and Short Notice 7 15,06,32,393 6,76,56,661
Investments 8 1,40,77,45,413 1,48,51,80,075
Advances 9 1,69,04,15,429 1,57,38,90,795
Fixed Assets 10 4,95,53,768 5,13,28,977
Other Assets 11 19,55,79,801 19,97,18,379
Goodwill on Consolidation 88,896 88,896
TOTAL 3,87,43,52,680 3,69,97,44,821
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
(000’s Omitted)
As at As at
SCHEDULE
PARTICULARS 31-Mar-22 31-Mar-21
NO.
(`) (`)
I. INCOME
STRATEGY
Interest Earned 13 22,90,33,395 22,82,95,277
Other Income 14 2,96,74,897 3,11,07,685
TOTAL 25,87,08,292 25,94,02,962
II. EXPENDITURE
Interest Expended 15 13,36,08,786 14,54,29,610
Operating Expenses 16 7,27,70,729 6,79,86,091
Provisions and Contingencies 4,16,83,773 5,47,72,117
TOTAL 24,80,63,288 26,81,87,818
Share of earning/(loss) in Associates 17 1,84,501 (11,64,019)
Consolidated Net Profit/(Loss) for the year before 1,08,29,505 (99,48,875)
Minority Interest
Less: Minority Interest 71,589 52,225
CONSOLIDATED PROFIT/(LOSS) FOR THE YEAR 1,07,57,916 (1,00,01,100)
ATTRIBUTABLE TO THE GROUP
NOTICE
Add: -Brought forward consolidated Profit/(Loss) attributable (18,74,09,075) (17,42,86,952)
to the Group
Less:- Balance transferred from Share Premium A/c 18,72,42,173 -
Carried forward consolidated Profit/(Loss) 1,67,054 (17,42,86,952)
IV. APPROPRIATIONS
Transfer to Statutory Reserve 26,12,100 -
Transfer to Other Reserve 78,36,181 31,21,023
a. Investment Reserve 12,55,261 30,72,389
b. Revenue Reserve - 12,521
c. Staff Welfare Fund - -
d. Fund in lieu of Insurance - -
e. Proposed Dividend- Equity Share Capital - -
REPORTS
f. Tax on Dividend - -
g. Special Reserve U/S 36 (1) (viii) - 36,113
h. Appropriation of Deferred Tax Liability on special Reserve - -
as per NHB guidelines
i. Investment Fluctutation Reserve 65,80,920 -
Transfer to Government/Proposed Dividend - -
Balance Carried over to the Balance Sheet 1,42,581 (18,74,09,075)
TOTAL 1,07,57,916 (18,42,88,052)
Earnings Per Share (In ₹)- Basic (Nominal Value ₹ 10/- per share) 1.31 (1.73)
Earnings Per Share (In ₹)- Diluted (Nominal Value ₹ 10/- per share) 1.31 (1.73)
The schedules referred to above form an integral part of the Consolidated Profit and Loss Account
FINANCIALS
ALOK SRIVASTAVA VIVEK WAHI RAJEEV PURI
Executive Director Executive Director Executive Director
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
(000’s Omitted)
As at 31-Mar-22 As at 31-Mar-21
PARTICULARS
(`) (`) (`) (`)
SCHEDULE 1 : CAPITAL
Authorised Capital 10,00,00,000 10,00,00,000
1000,00,00,000 shares of ₹ 10/- each
Issued Capital : 8,68,09,394 5,87,55,625
(8680939432 Equity Shares of ₹ 10 each)
Subscribed Capital 8,68,09,394 5,87,55,625
(8680939432 Equity Shares of ₹ 10 each)
Paid up 8,68,09,394 5,87,55,625
(8680939432 Equity Shares of ₹ 10 each)
8680939432 Equity Shares (previous year 8,68,09,394 5,87,55,625
5875562460 Equity shares) of ₹ 10/- each
(includes 8080391687 Equity shares (previous
year 5275014715 Equity shares) of ₹ 10/- each
held by Central Govt.)
TOTAL 8,68,09,394 5,87,55,625
STRATEGY
65,80,920 -
ii) Revenue Reserve
Balance as per last Balance Sheet 2,73,18,305 2,65,48,101
Add: Transfer from Capital Reserves 5,41,238 5,09,495
Addition during the year - 2,88,218
(*) Add: Opening Balance Adjustment - (27,509)
Add/Less: Adjustments during the year - -
2,78,59,543 2,73,18,305
VII. Balance in Profit and Loss Account
Balance as per last balance sheet (18,74,09,075) (17,42,86,952)
NOTICE
Add:- Balance transferred from Share 18,72,42,173 -
Premium A/c
Add:- Profit for the year after appropriation of 3,09,483 (1,31,22,123)
Profit
Net Balance 1,42,581 (18,74,09,075)
TOTAL 18,86,84,669 15,82,12,803
(*) The adjustment is on account of change in results
of RRBs post audit. The consolidated financial
statements of previous year was compiled based
on unaudited financial statements of such RRBs.
REPORTS
SCHEDULE 2 A : MINORITIES INTEREST
Minority Interest at the date on which the parent/ 24,500 24,500
subsidiary relationship came into existence
Subsequent increase / decrease 5,52,492 4,80,903
Minority interest on the date of Balance-Sheet 5,76,992 5,05,403
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
FINANCIALS
i) From Banks 1,03,37,153 65,67,481
ii) From Others 16,50,66,866 16,25,14,897
17,54,04,019 16,90,82,378
II. Savings Bank Deposits 1,55,96,51,980 1,45,66,70,191
III. Term Deposits
i) From Banks 77,57,952 54,32,722
ii) From Others 1,68,88,31,715 1,67,20,97,846
1,69,65,89,667 1,67,75,30,568
TOTAL (I,II and III) 3,43,16,45,666 3,30,32,83,137
B. i) Deposits of Branches in India 3,43,16,45,666 3,30,32,83,137
ii) Deposits of Branches outside India - -
STRATEGY
iv) Debentures and Bonds 33,78,44,148 35,39,72,427
v) Associates 6,39,854 4,82,119
vi) Others
a). UTI Shares & Commercial Papers
Mutual Fund Units etc. 31,07,519 1,73,08,826
Total I 1,40,58,06,749 1,48,35,39,168
II. Investments outside India in
i) Government Securities - -
ii) Associates 19,38,664 16,40,907
iii) Other Investments - -
Total II 19,38,664 16,40,907
NOTICE
TOTAL (I and II) 1,40,77,45,413 1,48,51,80,075
III. Investments in India :
Gross Value of Investments 1,46,55,29,898 1,53,59,15,436
LESS: Aggregate of Provision for Depreciation 5,97,23,149 5,23,76,268
Net Investments 1,40,58,06,749 1,48,35,39,168
IV Investments outside India :
Gross Value of Investments 19,38,664 16,40,907
LESS: Aggregate of Provision for Depreciation - -
Net Investments 19,38,664 16,40,907
TOTAL 1,40,77,45,413 1,48,51,80,075
REPORTS
SCHEDULE 9 : ADVANCES
A. i) Bills Purchased and Discounted 2,40,31,721 89,00,535
ii) Cash Credits, Overdrafts & Loans 70,15,80,440 70,45,31,176
repayable on demand
iii) Term Loans 96,48,03,268 1,69,04,15,429 86,04,59,084 1,57,38,90,795
TOTAL (i,ii and iii) 1,69,04,15,429 1,57,38,90,795
B. Particulars of Advances :
i) Secured by tangible assets 1,57,07,97,055 1,53,15,17,512
Including advances against Book Debts FINANCIALS
(000’s Omitted)
YEAR ENDED YEAR ENDED
PARTICULARS 31-Mar-22 31-Mar-21
(`) (`)
SCHEDULE 13 : INTEREST EARNED
STRATEGY
I. Interest/Discount on Advances / Bills 11,59,98,697 11,73,26,965
II. Income on Investments (Including Dividend) 9,26,60,400 10,01,38,785
III. Interest on balances with Reserve Bank of India and other inter-bank funds 1,23,81,061 67,60,466
IV. Others 79,93,237 40,69,061
TOTAL 22,90,33,395 22,82,95,277
NOTICE
Less: Loss on sale of land, buildings and Other Assets 361 2,09,964
III. Profit on Exchange transactions 19,92,437 8,66,918
Less: Loss on Exchange transactions -
IV. Profit on sale of Investments (Net) 49,10,035 1,38,05,508
Less Loss on sale of Investments 326 5,15,400
V. Profit on revaluation of Investments - -
Less Loss on revaluation of Investments 27,68,771 -
VI. a) Lease finance income - -
REPORTS
b) Lease management fee - -
c) Overdue charges - -
d) Interest on lease rent receivables - -
VII. Miscellaneous Income
a. Income earned by way of dividends etc. from subsidiaries and 65,103 -
Associates abroad/ in India
b. Others 1,11,38,011 60,01,113
TOTAL 2,96,74,897 3,11,07,685
FINANCIALS
SCHEDULE 15 : INTEREST EXPENDED
I. Interest on Deposits 12,87,87,024 13,99,17,399
II. Interest on Reserve Bank of India / Inter-Bank borrowings 8,54,849 6,20,931
III. Others 39,66,913 48,91,280
TOTAL 13,36,08,786 14,54,29,610
STRATEGY
India (RBI) including those prescribed by the Banking accounting year of Associates are different than
Regulation Act 1949, National Housing Bank Act 1987, that of Parent Bank, proportionate share of profit/
the Housing Finance Companies (NHB) Directions 2010, loss is taken based on audited figures of audited
period and for unaudited period proportionate share
Companies Act 2013, Accounting Standards (AS) and
of profit/ loss is taken based on unaudited figures.
pronouncements issued by The Institute of Chartered
Accountants of India (ICAI) and the prevailing practices e) The consolidated financial statements are prepared
within the Banking industry in India. using uniform accounting policies for like transaction
and other events in similar circumstances and
B. Use of Estimates:
are presented to the extent possible, in the same
The preparation of financial statements requires the manner as the Company’s separate Financial
management to make estimates and assumptions Statements except as otherwise stated.
NOTICE
considered in the reported amount of assets and
2.2 Minority interest in the net assets of
liabilities (including contingent liabilities) as on the date
consolidated subsidiaries consist of:
of the financial statements and on the reported income
and expenses during the reporting year. Management a. The amount of equity attributable to the minority
at the date on which investments in a subsidiary is
believes that the estimates used in preparation of
made, and
the financial statements are prudent and reasonable.
Contingencies are recorded when it is probable that a b. The minority share of movements in equity since
liability will be incurred, and the amounts can reasonably date of parent-subsidiary relationship came into
be estimated. Actual results could differ from these existence.
estimates. Differences between the actual results and D. Significant accounting policies:
REPORTS
estimates are recognised in the year in which the results 1. Revenue recognition
are known/ materialised.
A. Parent bank
C. Basis of Consolidation
1.1 General
Consolidated financial statements of the Group
a) Income/ expenditure is generally accounted
(comprising of 2 Subsidiaries and 3 Associates
for on accrual basis except for income to be
[including 2 RRBs]) have been prepared on the
accounted for on cash basis as per regulatory
basis of:
provisions.
a) Audited financial statements of Central Bank of
b) In accordance with the guidelines issued
India (Parent) FINANCIALS
by the Reserve Bank of India, prior period
b) Line by line aggregation of like items of assets, disclosures are made in respect of any item
liabilities, income and expenses of the subsidiaries which exceeds one percent of the total income/
with the respective item of Parent and after total expenditure.
eliminating all material intra-group balances/
transactions, unrealized profit/ losses as per c) Provision for interest payable on overdue
Accounting Standard 21 “Consolidated Financial deposits is made as per Reserve Bank of India
Statement” issued by the ICAI. guidelines.
c) In case the sale is at a price higher than the d) The agricultural advances are classified as a
NBV on cash basis, the surplus is taken to the non-performing if, (i) for short duration crops,
credit of Profit and Loss Account. where the instalment of principal or interest
remains overdue for two crop seasons; and (ii)
1.4. Fee based income
for long duration crops, where the principal or
Commission on letters of credit, bank guarantee interest remains overdue for one crop season.
and deferred payment guarantee are recognised
on accrual basis proportionately over the period. All 2.2 Non-performing assets are classified into sub-
other commission and fee income are recognised standard, doubtful and loss Assets, based on the
on their realisation. following criteria stipulated by RBI:
a) Sub-standard: A loan asset that has remained
B. Subsidiaries
non-performing for a period less than or equal
a) In case of Cent Bank Home Finance Ltd., the
to 12 months.
subsidiary, income recognition on Loans and
Advances are made on the basis of Prudential b) Doubtful: A loan asset that has remained in
norms laid down by National Housing Bank (NHB). the sub-standard category for a period of 12
months.
b) In case of Cent Bank Home Finance Ltd., the
subsidiary, income from fee and other charges viz. c) Loss: A loan asset where loss has been
login fee, penal interest on overdue, prepayment identified but the amount has not been fully
charges, interest on income tax refunds and other written off.
income etc. are recognized on receipt basis.
STRATEGY
ii. Unrealised interest.
percent ab-initio).
iii. Unsecured Exposure in respect of infrastructure iii. Write Off.
advances where certain safeguards such as iv. Uncharged Interest
escrow accounts are available - 20%.
However, where any borrower account is required
Doubtful Assets:
to be classified as non-performing from an earlier
- Secured portion Up to one year- 25%
date, any recovery till the account was classified
One to three years- 40%
as Standard is first credited to Interest on Loans
More than three years- 100%
and Advances [viz. Scheme for sustainable
- Unsecured portion 100%
Structuring of Stressed assets (S4A), Strategic
Loss Assets: 100%
Debt Restructuring, Flexible Structuring of Long-
NOTICE
2.4 Advances are shown net of provisions (in case of
Term Project Loan (5/25), Change of Ownership
NPA), Unrealised Interest, amount recovered from
of Borrowing Entities (outside Strategic Debt
borrowers held in Sundries and claims received
Restructuring Scheme)].
from CGTSI/ ECGC, etc.
B. Subsidiaries
2.5 For restructured/ rescheduled assets, provisions are
a) In case of Cent Bank Home Finance Ltd., the
made in accordance with the guidelines issued by
subsidiary, provisions on Loans and Advances are
the RBI, which inter alia require that the difference
made on the basis of Prudential norms laid down by
between the fair value of the loans/ advances before
National Housing Bank.
and after restructuring is provided for, in addition to
provision for the respective loans/ advances. The b) In case of Cent Bank Home Finance Ltd., the
REPORTS
provision for diminution in fair value and interest subsidiary, Interest income is recognized on accrual
sacrifice, if any, arising out of the above, is reduced basis except in case of Non-Performing Assets
from advances. (NPA) where interest is accounted on realization.
In loans, the repayment is received by the way of
2.6 In addition to the specific provision on NPAs, general
Equated Monthly Instalments (EMIs) comprising
provisions are also made for standard assets as
principal and interest. Interest is calculated on
per extant RBI Guidelines. These provisions are
the outstanding balance at the beginning of the
reflected in Schedule 5 of the Balance Sheet under
month. EMI commences once the entire loan is
the head “Other Liabilities & Provisions – Others”
disbursed. Pending commencement of EMI, pre-
and are not considered for arriving at the Net NPAs.
EMI monthly interest is charged. Recovery in case FINANCIALS
2.7 In the case of loan accounts classified as NPAs, an of NPA is appropriated first towards interest portion
account may be reclassified as a performing asset of overdue EMIs and thereafter towards principal
if it conforms to the guidelines prescribed by the portion of overdue EMIs.
regulators.
3. Provision for country exposure:
2.8 Amounts recovered against debts written off in
In addition to the specific provisions held according to
earlier years are recognised as revenue in the year
the asset classification status, provisions are also made
of recovery.
for individual country exposures (other than the home
2.9 Additional provisions higher than regulatory norms country). Countries are categorised into seven risk
are made in specific assets in view of the identified categories, namely, insignificant, low, moderate, high,
weakness and/ or prevailing economic situation. very high, restricted and off-credit and provisioning made
2.10 Partial recoveries in non-performing account are as per extant RBI guidelines. If the country exposure
appropriated in the following order: (net) of the Bank in respect of each country does not
exceed 1% of the total funded assets, no provision is
i. Principal Overdues/Irregularities.
STRATEGY
fully provided for.
and vice versa.
ii) Transfer of securities from HTM category
to AFS category is carried out on d) The investments in debentures/ bonds, which
acquisition price/ book value. On transfer, are deemed to be advance, are also subjected
these securities are immediately revalued to NPI norms as applicable to investments.
and resultant depreciation, if any, is 4.5 Accounting for Repo/ Reverse Repo
provided, in the Profit and Loss Account. transactions
d) Valuation in case of sale of NPA (financial The Bank enters into repurchase and reverse
asset) to Securitisation Company (SC)/ repurchase transactions with RBI under Liquidity
Asset Reconstruction Company (ARC) Adjustment Facility (LAF) and also with market
NOTICE
against issue of Security Receipts: participants. Repurchase transaction represents
borrowing by selling the securities with an agreement
i) The investment in security receipts
to repurchase the securities. Reverse repurchase
obtained by way of sale of NPA to SC/
transactions on the other hand represent lending
RC, is recognised at lower of: (i) Net
funds by purchasing the securities.
Book Value (NBV) (i.e. book value less
provisions held) of the financial asset; and a) The securities sold and purchased under Repo/
(ii) Redemption value of SR. Reverse Repo are accounted as collateralized
lending and borrowing transactions.
ii) SRs issued by an SC/ ARC are valued in
accordance with the guidelines applicable b) However, securities are transferred as in
REPORTS
to non-SLR instruments. Accordingly, in the case of normal outright sale/ purchase
cases where the SRs issued by the SC/ transactions and such movement of securities
ARC are limited to the actual realisation is reflected using the Repo/ Reverse Repo
of the financial assets assigned to the Accounts and contra entries.
instruments in the concerned scheme, c) The above entries are reversed on the date of
the Net Asset Value, obtained from the maturity. Balance in Repo Account is classified
SC/ ARC, is reckoned for valuation of such under Schedule 4 (Borrowings) and balance
investments. in Reverse Repo Account is classified under
e) Treasury Bills and Commercial Papers are Schedule 7 (Balance with Banks and Money at
valued at carrying cost. call & short notice).
FINANCIALS
4.4 Investments (NPI): d) Interest expended/ earned on Securities
Investments are classified as performing and non- purchased/ sold under LAF with RBI is
performing, based on “Classification, Valuation and accounted for as expenditure/ revenue.
Operation of Investment Portfolio of Commercial B. Subsidiaries
Banks (Directions), 2021” and “Prudential norms In case of Subsidiaries, the Investments are classified
on Income Recognition, Asset Classification and as current and non-current Investments. Current
Provisioning pertaining to Advances”, as under: Investments are carried at lower of cost or market
a) Interest/ instalment (including maturity value and non-current investments are carried at cost.
proceeds) is due and remains unpaid for Provision for diminution, if any, in the value of the non-
more than 90 days. The same is applied to current investment is made only, if the diminution in the
preference shares where the fixed dividend is value is of permanent nature.
not paid.
6.2 Foreign currency monetary items are reported 7.5 Land acquired on lease for over 99 years is treated
using the Foreign Exchange Dealers Association as freehold land and those for 99 years or less is
of India (“FEDAI”) closing (spot/ forward) rates and treated as leasehold land. Cost of leasehold land is
the resultant profit or loss is recognised in the Profit amortized over the period of lease.
and Loss Account. 7.6 Where it is not possible to segregate the cost of
Foreign currency non-monetary items, which are land and premises, depreciation is charged on the
carried at historical cost, are reported using the composite cost.
exchange rate on the date of the transaction.
STRATEGY
additions made thereafter, is provided for the half The undiscounted amounts of short-term employee
year. benefits, which are expected to be paid in exchange
No depreciation is provided on assets sold before for the services rendered by employees, are
30th September and depreciation is provided for the recognised during the period when the employee
half year on assets sold after 30th September. renders the service.
7.9 The Bank considers only immovable assets for 9.3 Defined benefit plans:
revaluation. Properties acquired during the last The Bank operates Gratuity and Pension schemes
three years are not revalued. Valuation of the which are defined benefit plans.
revalued assets is done every three years thereafter. a) The Bank provides for gratuity to all eligible
NOTICE
7.10 The increase in net book value of the asset due to employees. The benefit is in the form of
revaluation is credited to the Revaluation Reserve lump sum payments to vested employees on
Account without routing through the Profit and Loss retirement, or on death while in employment,
Account. or on termination of employment, for an
Additional depreciation on the revalued asset amount equivalent to 15 days basic salary
is charged to the Profit and Loss Account and payable for each completed year of service,
appropriated from the Revaluation Reserves to subject to the cap prescribed by the Statutory
Other Revenue Reserve. Authorities. Vesting occurs upon completion
of five years of service. The Bank makes
7.11 The revalued asset is depreciated over the balance
periodic contributions to a fund administered
REPORTS
useful life of the asset as assessed at the time of
by Trustees based on an independent external
revaluation.
actuarial valuation.
B. Subsidiaries
b) The Bank provides for pension to all eligible
a) Fixed Assets are stated at cost of acquisition employees. The benefit is in the form of monthly
less accumulated depreciation. Cost includes payments as per rules to vested employees on
all expenses incidental to expenses to the retirement or on death while in employment, or
acquisition of fixed assets.
on termination of employment. Vesting occurs
b) Depreciation on fixed assets has been provided at different stages as per rules. The pension
on straight line method at the rates specified liability is reckoned based on an independent
in Schedule II to the Companies Act, 2013 actuarial valuation carried out annually and FINANCIALS
except in case of Centbank Financial Services Bank makes such additional contributions
Ltd., the subsidiary, intangible assets have periodically to the Fund as may be required
been amortized considering the economic life to secure payment of the benefits under the
of the asset to be 5 years by the Management pension regulations.
and amortized accordingly.
c) The cost of providing defined benefits is
8 Impairment of Assets:
determined using the projected unit credit
Fixed Assets are reviewed for impairment whenever method, with actuarial valuations being carried
events or changes in circumstances warrant that the out at each balance sheet date. Actuarial gains/
carrying amount of an asset may not be recoverable. losses are immediately recognised in the Profit
Recoverability of assets to be held and used is measured and Loss Account and are not deferred.
by a comparison of the carrying amount of an asset
d) When the benefits of the plan are changed, or
to future net discounted cash flows expected to be
when a plan is curtailed or settlement occurs,
generated by the asset. If such assets are considered
the portion of the changed benefit related to
c) In case of Centbank Financial Services 12. Provisions, Contingencies and Contingent assets:
Ltd., the subsidiary, income in relation to 12.1 In conformity with AS 29, “Provisions, Contingent
Executor Trusteeship business is accrued Liabilities and Contingent Assets”, issued by the
on occurrence of transactions relating to
Institute of Chartered Accountants of India, the
trust account. Revenue from Debenture and
Bank recognises provisions only when it has a
Security Trusteeship services is recognized on
present obligation as a result of a past event, and
period basis and accounted on accrual basis
except the income from Debenture Trusteeship would result in a probable outflow of resources
business of suit filed and/or BIFR companies, embodying economic benefits will be required to
which is accounted on receipt basis. settle the obligation, and when a reliable estimate
of the amount of the obligation can be made.
STRATEGY
events but is not recognised because:
primary reporting segment and geographical segment
i. it is not probable that an outflow of as the secondary reporting segment in accordance
resources embodying economic benefits with the RBI guidelines and in compliance with the
will be required to settle the obligation; or Accounting Standard 17 – “Segment Reporting” issued
by The Institute of Chartered Accountants of India.
ii. a reliable estimate of the amount of
obligation cannot be made. 15 Earnings per Share:
a) The Bank reports basic and diluted earnings per
Such obligations are recorded as contingent
share in accordance with AS 20 – “Earnings per
liabilities. These are assessed at regular intervals
Share” issued by the ICAI. Basic Earnings per
and only that part of the obligation for which an
Share is computed by dividing the Net Profit after
NOTICE
outflow of resources embodying economic benefits Tax for the year attributable to equity shareholders
is probable, is provided for, except in the extremely by the weighted average number of equity shares
rare circumstances where no reliable estimate can outstanding during the year.
be made.
b) Diluted earnings per share reflect the potential
12.3 Provision for reward points in relation to the debit dilution that could occur if securities or other
card holders of the Bank is made on estimated contracts to issue equity shares were exercised
basis. or converted during the year. Diluted earnings per
equity share is calculated by using the weighted
12.4 Contingent assets are neither recognised nor
average number of equity shares and dilutive
disclosed in the Financial Statements.
potential equity shares outstanding during the year.
REPORTS
ALOK SRIVASTAVA VIVEK WAHI RAJEEV PURI
Executive Director Executive Director Executive Director
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
FINANCIALS
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
STRATEGY
» Balances related to ATM Department
» Mirror Accounts maintained by Central Card Department and other balances
» Data/System updation of Agricultural and Priority Sector Advances
» GST
» Fixed Asset
» Other Assets
» Other Liabilities
The management is of the opinion that the overall impact, if any, on the accounts will not be significant.
NOTICE
3.3. Income Tax:
3.3.1. Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and judicial
decisions on disputed issues.
3.3.2. Other Assets [Schedule 11 (ii)] includes ₹ 2,405.58 crore (previous year ₹ 1,771.51 crore) towards disputed Income
Tax liability of the parent Bank. It includes Income tax appeals at various levels by bank and Income tax department.
Provision for disputed amount of taxation is not considered necessary by the Bank on the basis of various judicial
pronouncements and favorable decisions in Bank’s own case. Disputed service tax matter as on 31st March, 2022 is
₹ 7.64 crore.
3.3.3. Government of India has inserted Section 115BAA in the Income Tax Act 1961 (“Act”) vide the Taxation Laws
REPORTS
(Amendment) Ordinance 2019 dated September 20, 2019 which provides a non-reversible option to domestic
companies to pay corporate tax at a reduced rate effective from April 01, 2019 subject to certain conditions. The
Bank has assessed the applicability of the act and opted to continue the existing tax rate (i.e. 34.944%) for the
financial year ended 31st March, 2022.
3.4. Premises:
3.4.1. Premises obtained on Lease by the Parent Bank include properties costing ₹ 1.45 crore (previous year ₹ 1.45 crore)
for which registration formalities are still under progress.
3.4.2. The premises of the Bank were revalued to reflect the market value as on 31.03.2021 based on valuation reports of
external independent valuers’ and approved by the Board of Director and ₹ 881.96 crore increases in value thereof
have been credited to Revaluation Reserve Account. FINANCIALS
3.4.3. In the case of assets, which have been revalued, the depreciation is provided on the revalued amount charged
to Profit & Loss Account and the amount of incremental depreciation attributable to the revalued amount ₹ 54.12
crore (previous year ₹ 58.85 crore) is transferred from ‘Revaluation Reserve’ and credited to “Revenue and Other
Reserves”.
3.4.4. Land obtained on lease by the Parent Bank includes ₹ 8.02 crore (previous year ₹ 8.02 crore) with written down value
as NIL (previous year ₹ NIL), the lease period of which has expired and the bank is still having its offices/building on
these lands and perusing with authorities for lease renewals.
3.5. Advances / Provisions:
3.5.1. Advances to units which have become sick including those under nursing/ rehabilitation/ restructuring programme
and other advances classified as doubtful/ loss assets have been considered secured/ recoverable to the extent of
estimated realizable value of securities carrying first or second charge based on valuers’ assessment of properties/
assets mortgaged to the Bank and other data available with the Bank.
(Amount ₹ in Crore)
Particulars Pension Plan Gratuity Plan
Current Year Previous Year Current Year Previous Year
FY(21-22) FY(20-21) FY(21-22) FY(20-21)
Change in the Present Value of the
Defined Benefit Obligation
Opening Defined Benefit Obligation 1st April, 15557.68 15421.82 1726.67 1623.23
2021
Current Service Cost 82.63 78.11 100.62 82.83
Interest Cost 1012.96 1000.65 103.25 101.61
Past Service Cost (Vested Benefit) 821.95 0.00 0.00 0.00
Actuarial Losses (gains) 301.95 598.99 100.23 244.23
Benefits Paid (1539.75) (1541.90) (300.56) (325.23)
Direct Payment by Bank 0.00 0.00 0.00 0.00
Closing Defined Benefit Obligation at 31st 16237.43 15557.68 1730.20 1726.67
March ,2022
STRATEGY
Contributions by Employer 976.98 487.00 252.11 0.00
Expected Contributions by the employees 0.00 0.00 0.00 0.00
Benefits Paid (1539.75) (1541.90) (300.56) (325.24)
Actuarial Gains /(Loss) on Plan Assets 98.07 276.30 45.41 32.99
Closing Fair Value of Plan Assets as at 31 st
15807.88 15198.05 1630.51 1534.62
March, 2022
Amount Recognized in the Balance Sheet
Present Value of Funded obligation at 31st 16,237.43 15,557.68 1,730.20 1,726.67
March, 2022
NOTICE
Fair Value of Plan Assets at 31st March, 2022 (15,807.88) (15,198.05) (1630.51) (1,534.62)
Unrecognized past service Cost (277.43) 0.00 0.00 0.00
Deficit/(Surplus) 152.12 359.63 99.69 192.05
Net Liability/(Asset) 152.12 359.63 99.69 192.05
Net Cost Recognized in the Profit and Loss
Account
Current Service Cost 82.63 78.11 100.62 82.84
Past Service Cost-Recognized 544.52 0.00 0.00 0.00
Interest Cost 1,012.96 1,000.65 103.25 101.61
REPORTS
Expected Return on Plan Assets (1,074.53) (1,037.01) (98.93) (106.55)
Net Actuarial Losses/(Gain) Recognized 203.88 322.69 54.82 211.24
During the Year
Total Cost of Defined Benefit Plans included in 769.47 364.45 159.76 289.14
Schedule 16 "Payments to and provisions for
Employees"
Reconciliation of Expected Return and
Actual Return on Plan Assets
Expected Return on Plan Assets 1,074.53 1,037.01 98.93 106.55
FINANCIALS
Actuarial Gain/(loss) on Plan Assets 98.07 276.30 45.41 32.99
Actual Return on Plan Assets 1,172.60 1,313.31 144.34 139.54
Reconciliation of Opening and Closing Net
Liability /(Asset) Recognized in Balance
Sheet
Opening Net Liability /(Asset) as at 1st April, 359.63 482.18 192.05 (97.09)
2021
Expenses as Recognized in Profit And Loss 769.47 364.45 159.76 289.14
Account
Employer's Contribution (976.98) (487.00) 252.11 0.00
Net Liability/(Assets) Recognized in Balance 152.12 359.63 99.69 192.05
Sheet
STRATEGY
Amount unrecognized in the Balance 0.00 0.00 0.00 0.00 277.43
Sheet (w.r.t. past service cost)
Amount Recognized in the Balance 305.59 (400.04) 482.18 359.63 152.12
Sheet
Amount Recognized in the Balance 0.00 0.00 0.00 0.00 544.52
Sheet (w.r.t. past service cost)
(Amount in ₹ crore)
EXPERIENCE ADJUSTMENT YEAR ENDED
AMOUNT RECOGNIZED IN THE 31-03-2018 31-03-2019 31-03-2020 31-03-2021 31-03-2022
BALANCE SHEET
On Plan Liability (Gain)/ Loss 1,029.93 422.24 12.65 2,279.00 847.41
NOTICE
On Plan Asset (Loss) / Gain 263.51 (72.66) 346.19 276.30 98.07
The expected contribution to the Pension and Gratuity fund for next year is ₹ 130.08 crore and ₹ 76.50 crore
respectively.
4.2.2. Defined Contribution Plan:
The bank has a defined contribution pension scheme (DCPS) applicable to all categories of officers and
employees joining bank on or after 01/04/2010. The scheme is managed by NPS trust under the aegis of the
Pension Fund Regulatory and Development Authority. National Securities Depositary Limited (NSDL) has been
appointed as the Central Record Keeping Agency for the NPS. During 2021-22, the bank has contributed
₹ 146.97 crore (Previous year ₹ 103.67 crore).
REPORTS
4.2.3. Long Term Employee Benefits (Unfunded Obligation):
During the year bank has recognized expenses of ₹ 43.24 crore (Previous Year ₹ 131.20 crore) towards leave
encashment expenses based on actuarial valuation.
The Cent Bank Home Finance Ltd, the subsidiary, provides for Gratuity covering eligible employees. To fund
its liability, the Company has taken a Policy with Life Insurance Corporation of India, to cover the accumulated
Gratuity Liability of its employees and the premium paid on this policy has been charged to Profit and Loss
Account and the Provision for Leave Encashment Liability is calculated on the balance of privilege leave of the
employees as on 31st March, 2021. The same has been provided for the year ended 31.03.2021.
4.3. Accounting Standard 17 – Segment Report of the Group FINANCIALS
CONSOLIDATED SEGMENT REPORT FOR THE YEAR ENDED MARCH 31, 2022
As per the revised guidelines of Reserve Bank of India the Bank has recognized Treasury Operations Corporate/
Wholesale Banking Retail Banking and other Banking business as primary reporting segments. There are no
secondary reporting segments.
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 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:
(Amount in ₹ crore)
Business Segments Treasury Corporate/ Retail Banking Other Banking Total
Wholesale Banking Operations
Particulars 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 2020-21
Revenue 11,628.52 12,549.65 5,296.04 5,201.19 8,944.92 8,187.93 1.35 1.53 25,870.83 25,940.30
Result 2,536.03 4,004.01 291.52 (3,424.09) (821.85) (1,677.01) 0.28 0.03 2,005.98 (1,097.06)
Unallocated Expenses 261.17 211.95
Operating Profit 1,744.81 (1,309.01)
Income Taxes 680.31 (430.52)
Extraordinary profit/loss - - - - - - - - 11.29 (121.62)
Net Profit 1,075.79 (1,000.11)
Other Information:
Segment Assets 1,97,643.37 1,92,414.73 65,074.66 60,023.68 1,09,543.82 1,01,263.04 8.88 6.31 3,72,270.73 3,53,707.76
Unallocated Assets 15,164.54 16,266.72
Total Assets 3,87,435.27 3,69,974.48
Segment Liabilities 1,91,840.34 1,97,847.44 62,615.86 54,166.03 1,05,422.85 91,457.62 6.81 6.55 3,59,885.86 3,43,477.64
Unallocated Liabilities - -
Total Liabilities 3,59,885.86 3,43,477.64
* Segment Revenue and Expenses have been apportioned on the basis of the segment assets, wherever direct allocation is
not possible.
Figures have been regrouped wherever considered necessary to conform to current year classification.
The Group has only one geographical segment i.e. Domestic Segment
4.4. Related Party disclosures as per Accounting Standard 18 – Related Party (of Parent Bank)
4.4.1. List of Related Parties:
4.4.1.1. Key Managerial Personnel as on 31.03.2022
Sr. Name Designation
No.
PARENT BANK
i. Mr. M V Rao Managing Director & CEO
ii. Mr. Alok Srivastava Executive Director
iii. Mr. Vivek Wahi Executive Director
iv. Mr. Rajeev Puri Executive Director
STRATEGY
ii. Mr. Shishram Tundwal Ex-Managing Director
iii. Mr. Ashish Shrivastava Company Secretary
iv. Mr. Manish Payal Ex-Company Secretary
v. Mr. S.C. Mehta Chief Financial Officer
4.4.1.2. Transactions with Related Parties:
Remuneration paid to key managerial persons:
(Amount in ₹ crore)
Name Designation Key Management Personnel
PARENT BANK 31.03.2022 31.03.2021
Mr. M V Rao (w.e.f. 01.03.2021) Managing Director & CEO 0.32 0.02
Mr. Pallav Mohapatra (up to 28.02.2021) Managing Director & CEO - 0.94
NOTICE
Mr. B. S. Shekhawat (up to 08.10.2020) Executive Director - 1.30
Mr. Alok Srivastava Executive Director 0.29 0.27
Mr. Vivek Wahi (w.e.f. 10.03.2021) Executive Director 0.27 0.01
Mr. Rajeev Puri (w.e.f. 10.03.2021) Executive Director 0.28 0.01
SUBSIDIARIES
CFSL
Mr. S. Venkataraman Managing Director 0.23 0.001
Mr, H.V. Kamdar Ex-Company Secretary 0.001 0.19
Ms. Aarti Sharma Company Secretary 0.07 -
REPORTS
CBHFL
Mr. Kushal Pal Managing Director 0.19 -
Mr. Shishram Tundwal Ex-Managing Director 0.06 0.20
Mr. Ashish Shrivastava Company Secretary 0.05 -
Mr. Manish Payal Ex-Company Secretary 0.06 0.14
Mr. S.C. Mehta Chief Financial Officer 0.07 -
Mr. Ashish Mittal Ex-Chief Financial Officer - 0.10
Note: Keeping in line with para 9 of the AS - 18 - “Related Party Disclosure” issued by ICAI, the transactions
with the Subsidiaries and Associates Enterprises have not been disclosed which exempts the State Controlled
Enterprises from making any disclosures pertaining to transactions with other related State Controlled
FINANCIALS
Enterprises.
Further, transactions in the nature of Banker-Customer relationship including those with KMP and relatives of
KMP have not been disclosed in terms of Para 5 of AS-18.
4.5. Earnings per Share as per AS 20 has been arrived at as follows:
Earnings per share as per AS 20 has been arrived at as follows:
(Amount in ₹ crore)
Particulars 31.03.2022 31.03.2021
Net Profit / (Loss) after Tax available for Equity Share Holder (Amount in 1076 (1000)
₹ crore)
Weighted Average number of Equity Share (No.) 823,51,53,502 579,37,98,207
Basic Earnings per Share (₹) 1.31 (1.73)
Diluted Earnings per Share (₹) 1.31 (1.73)
Nominal Value per Share (₹) 10 10.00
(Amount in ₹ crore)
Break-up of Provisions and Contingencies shown under the head 31.03.2022 31.03.2021 *
Expenditure in P&L Account
Provisions/Depreciation on Investment (NPI) 646.74 356.57
Provision towards NPA 2461.55 5175.89
Provision towards Standard Asset (222.47) 263.15
Provision made for Taxes 672.13 (436.03)
Provision for Restructured Advances 595.94 76.49
Other Provisions (1.57) 30.00
TOTAL 4152.32 5466.07
The figures for previous year have been regrouped/ reclassified wherever considered necessary to confirm current
year’s classification.
STRATEGY
(Amount in ₹ crore)
Particulars 31.03.2022 31.03.2021
A Opening balance in the Countercyclical Provisions account 47.34 47.34
B The quantum of Countercyclical Provisions made in the Accounting - -
Year
C Amount of draw down made during the Accounting Year. 47.34 -
D Closing balance in the Countercyclical Provisions account - 47.34
5. Other Disclosures:-
5.1 Corporate Social Responsibility
During the year Cent Bank Home Finance Limited the subsidiary, has spent ₹ 0.51 crore (Previous year ₹ 0.42 crore)
NOTICE
towards Corporate Social Responsibility under section 135 of Companies Act 2013 and rules thereon.
5.2 Provisioning Coverage Ratio (PCR)
The PCR (inclusive of Technical write off) stood at 86.69 % (Previous Year 82.54 %) – Parent Bank.
The PCR (exclusive of Technical write off) stood at 76.29 % (Previous Year 69.13 %) – Parent Bank.
5.3 Centbank Financial Services Limited, the subsidiary, holds investments in the nature of shares, securities and
immovable properties on behalf of its clients in a fiduciary capacity on a Trustee-Beneficiary relationships, which in
the opinion of the Board of Directors are adequately safeguarded and properly recorded and all duties arising from
such fiduciary relationships are adequately fulfilled.
5.4 Centbank Financial Services Limited, the subsidiary, has not transferred or allocated dividend, interest and other
REPORTS
corporate benefits received over a period of time from various companies / undertakings, amounting to ₹ 1.79 crore
to the trusts / beneficiaries, on whose behalf the investment portfolios are held under Trusteeship Services. The said
amount stood at ₹ 1.66 crore as at 31.03.2021 and has increased to ₹ 1.79 crore as at 31.03.2022. Similarly, it has
not transferred or allocated sales / redemption proceeds of shares / debentures amounting to ₹ 0.18 crore to the
respective trust / beneficiary. The same is outstanding since 2005-06. It has kept the above funds in current account
with its bank since long.
5.5 In terms of RBI guidelines DBOD No.BP.BC.57/62-88 dated December 31, 1988, Inter-Bank Participation Certificates
(IBPC) Lending of ₹ NIL has been undertaken. Accordingly, these have been adjusted from the advances of the
Parent Bank. Interest income of ₹ NIL has been recognized against these borrowings.
FINANCIALS
5.6 The vendors whose services are utilized are selected in compliance with Government of India guidelines regarding
MSME sector and Micro, Small and Medium Enterprises Development Act, 2006. This is relied upon by the Auditor.
5.7 Implementation of the Guidelines on Information Security, Electronic Banking, Technology Risk Management and
Cyber Frauds.
The Parent Bank has formulated policies as per RBI circular RBI/2010-11/494 DBS.CO.ITC.BC.No. 6/31.
02.008/2010-11 dated April 29, 2011. These policies are being reviewed by the management of the bank on
periodical basis. The policies were last reviewed by the Board of Directors in the meeting held on 30.03.2022.
5.8 Additional statutory information disclosed in individual financial statements of the Parent and Subsidiaries having
no bearing on the true and fair view of the Consolidated Financial Statements and the information pertaining to the
items which are not material have not been disclosed in the Consolidated Financial Statements in view of the general
clarification issued by the ICAI.
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
(₹ In Crore)
Sn Particulars 31-03-2022 31-03-2021
A CASH FLOW FROM OPERATING ACTIVITIES
Net Profit/(Loss) before Taxes & Minority Interest 1,763.26 (1,425.41)
STRATEGY
I Adjustments for:
Depreciation on fixed assets 296.76 292.53
Depreciation on investments (including on matured debentures) 368.87 399.68
Bad Debts written off/Provision in respect of non performing assets 3,101.21 5,212.63
Provision for Standard Assets (217.55) 261.62
Provision for Other items (Net) 235.53 85.35
(Profit) / Loss on sale of fixed assets (Net) (9.10) 21.00
Sub total 5,538.98 4,847.39
II Adjustments for :
NOTICE
Increase / (Decrease) in Deposits 12,836.26 16,127.17
Increase / (Decrease) in Borrowings 1,903.64 (316.37)
Increase / (Decrease) in Other Liabilities and Provisions 1,878.72 (8,215.90)
(Increase) / Decrease in Advances (14,753.67) (10,649.33)
(Increase) / Decrease in Investments 7,374.60 (6,392.02)
(Increase) / Decrease in Other Assets (779.68) 962.13
Direct Taxes Paid (Net of Refund etc.) 277.70 1,633.60
Sub total 8,737.57 (6,850.72)
NET CASH FLOW FROM OPERATING ACTIVITIES (A) 14,276.55 (2,003.33)
REPORTS
B CASH FLOW FROM INVESTING ACTIVITIES
Sale / Disposal of Fixed Assets 24.38 2.72
Purchase of Fixed Assets (157.76) (205.17)
NET CASH FLOW FROM INVESTING ACTIVITIES (B) (133.38) (202.45)
Notes:
1) T
he above Consolidated Cash Flow Statement has been prepared under the ‘Indirect Method’ as set out in the Accounting
Standard -3 on Cash Flow Statement issued by ICAI.
2) Previous year figures have been regrouped/rearranged to conform to those of current years.
M V RAO
Managing Director & CEO
SHRI HARDIK M. SHETH SHRI P. J. THOMAS SHRI DINESH PANGTEY SHRI PRADIP P. KHIMANI
Director Director Director Director
For S JAYKISHAN For CHHAJED & DOSHI For A S K A & CO For KISHORE & KISHORE
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants
F.R. No. 309005E F.R. No. 101794W F.R. No. 122063W F.R. No. 000291N
(CA RITESH AGRAWAL) (CA KIRAN K. DAFTARY) (CA VIJAY SHELAR) (CA P. R. KARANTH)
PARTNER PARTNER PARTNER PARTNER
M. No. 062410 M. No. 010279 M. No. 101504 M. No. 018808
UDIN:22062410AIPWMB7737 UDIN:22010279AIPWCE5031 UDIN:22101504AIPWBV8382 UDIN:22018808AIPWCC2861
Place: Mumbai
Date: May 9th, 2022
STRATEGY
In the consolidated accounts (disclosed annually), Bank’s subsidiaries/associates are treated as under
a. List of group entities considered for consolidation
Name of Whether Explain the Whether Explain the Explain the Explain the
the entity / the entity method of the entity method of reasons for reasons if
Country of is included consolidation is included consolidation difference in consolidated
incorporation under under the method of under only
accounting regulatory consolidation one of the
scope of scope of scopes of
consolidation consolidation consolidation
(yes / no) (yes / no)
Cent Bank Yes Consolidation Yes NA NA NA
NOTICE
Home Finance of the financial
Ltd./ India statements of
subsidiaries in
accordance
with AS- 21.
Cent Bank Yes Consolidation Yes NA NA NA
Financial of the financial
Services Ltd./ statements of
India subsidiaries in
accordance
REPORTS
with AS- 21
Uttar Bihar Yes Consolidation No NA NA Associate: Not
Gramin Bank, of the financial under scope
Muzzaffarpur/ statements of of regulatory
India subsidiaries in Consolidation
accordance
with AS- 23
Uttar Banga Yes Consolidation No NA NA Associate: Not
Kshetriya of the financial under scope
Gramin Bank, statements of of regulatory FINANCIALS
Cooch Behar/ subsidiaries in Consolidation
India accordance
with AS- 23
Indo-Zambia Yes Consolidation No NA NA Joint Venture:
Bank Ltd. / of the financial Not under
Zambia. statements of scope of
subsidiaries in regulatory
accordance Consolidation
with AS- 23
d. T
he aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory
scope of consolidation i.e. that are deducted: NIL
e. T
he aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are
risk-weighted: NIL
f. Any restrictions or impediments on transfer of funds or regulatory capital within the banking group: NIL
Table DF-2: Capital Adequacy
Qualitative disclosures
(a) A summary discussion of the bank’s approach to assess the adequacy of its capital to support current and future
activities:
The Bank carries out regular assessment of its capital requirement from time to time to maintain the Capital to Risk
Weighted Assets Ratio (CRAR) at desired level. The capital plan is reviewed on annual basis to take care of business
growth and CRAR.
The Bank has adopted standardized approach for credit risk, basic indicator approach for operational risk and
standardized duration approach for market risk for computation of risk weight.
The Bank has put in place a well laid down Internal Capital Adequacy Assessment Process to enable the Bank to plan
its capital requirements in relation to its business projections and to meet the risks inherent in the business. The main
objective of ICAAP exercise is to identify and measure the risks that are not fully captured by the minimum capital ratio
prescribed under Pillar I; the risks that are not at all taken into account by the pillar I; and the factors external to the
Bank and to provide capital for such additional risks and to measure an appropriate level of internal capital as per the
risk appetite. The Bank has also put in place the stress testing policy to measure impact of adverse stress scenario on
its CRAR.
The Bank reviews the ICAAP on quarterly basis.
STRATEGY
- Interest rate risk ` 597.17 Crore
- Foreign exchange risk (including gold) ` 4.05 Crore
- Equity risk ` 287.56 Crore
(d) Capital requirements for operational risk:
• Basic Indicator Approach ` 1471.71 Crore
(e) Common Equity Tier 1, Tier 1and Total Capital ratios:
• Common Equity Tier 1 11.48%
• Tier 1 11.48%
NOTICE
• Total Capital ratio 13.84%
The Risk Management Department at Central Office headed by the Chief Risk Officer measures controls and manages risk
REPORTS
within the limits set by the Board and enforces compliance with risk parameters set by the committees. The Chief Risk Officer
is assisted by a team of Deputy General Manager, Assistant General Managers, Chief Managers, Senior Managers and
Managers.
Risk Managers are posted at all Zonal offices who act as extended arms of Risk Management Department of Central Office.
Risk Managers have also been identified at Regional Offices.
The Bank has in place detailed policies such as Credit Risk Policy, Model Risk Policy, Credit Rating Policy, Credit Risk Mitigation
and Collateral Management Policy, Enterprise Risk Management Policy, Operational Risk Management Policies, ALM Policy,
Market Risk Management Policy, etc.
FINANCIALS
Besides these, the Loan Policy prescribe the parameters governing loan sourcing, guidelines on appraisal and evaluation of
credit proposals, lending powers of delegated authorities, exposure norms and prudential limits.
Credit Monitoring Department headed by a General Manager monitors the loan portfolio, identifies Special Mention Accounts
and takes corrective measures. Loan Review Mechanism is implemented by the department apart from managing of accounts
under CDR mechanism.
Dynamic Review of all account with exposure above ` 300 Crore is also under taken at specified frequency. Further, Dynamic
Review of accounts with exposure above ` 25 crore is under taken as and when any trigger/event takes place. Credit monitoring
policy prescribes the methodology for monitoring and supervising the credit portfolio.
The Bank has introduced rating models for different segments of borrowers including retail lending schemes which measure
the risks associated with counterparties and helps in making lending and pricing decisions. In case of large borrowers, credit
risk assessment models evaluate Financial risk, Industry risk, Management risk and Business risk of the counter party. Conduct
Table DF-3
Credit risk: General disclosures for all banks
Qualitative Disclosures
Credit risk
Impaired :
The Working Group to review the existing prudential guidelines on restructuring of advances by banks/financial institutions
in its report dated 20.07.2012 observed that as per international accounting standards, accounts are generally treated as
impaired on restructuring and recommended that similar practice should be followed in India. Ind AS 109 contains guidance
on the recognition, derecognition, classification and measurement of financial instruments including impairment and hedge
accounting
(i) Interest and/or instalment of principal remain overdue for a period of more than 90 days in respect of a Term Loan;
(ii) The account remains out of order for 90 days
(iii) The bill remains overdue for a period of more than 90 days in the case of Bills Purchased and Discounted
(iv) In case of advances granted for Agricultural purposes
a) The instalment of principal or interest thereon remains overdue for two crop seasons for short duration crops
b) The instalment of principal or interest thereon remains overdue for one crop season for long duration crops
(v) The amount of liquidity facility remains outstanding for more than 90 days, in respect of a securitization transaction
undertaken in terms of guidelines on securitization dated February 1, 2006.
(vi) in respect of derivative transactions, the overdue receivables representing positive mark to- market value of a derivative
contract, if these remain unpaid for a period of 90 days from the specified due date for payment.
Out of Order:
An account should be treated as “Out of Order” if the outstanding balance remains continuously in excess of the sanctioned
limit/drawing power, or 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 in the account during the same period.
Overdue:
Any amount due to a bank under any credit facility is overdue if it is not paid on due date fixed by the bank.
STRATEGY
• Country risk and other operational matters
(` in Crore)
Quantitative Disclosures:
(a) Total gross credit risk exposures:
Fund based*: 347259.49
Non-fund based: 36484.48
*includes cash, balances with banks, investments,etc
NOTICE
• Overseas 15013.04
• Domestic 368730.97
REPORTS
FINANCIALS
STRATEGY
b.2 Electricity (Transmission) 9.35 37.50 0.00
b.2.1 Central Govt PSUs 0.00 0.00 0.00
b.2.2 State Govt PSUs (incl. SEBs) 0.00 0.00 0.00
b.2.3 Private Sector 9.35 37.50 0.00
b.3 Electricity (Distribution) 5499.83 487.43 0.00
b.3.1 Central Govt PSUs 0.00 0.00 0.00
b.3.2 State Govt PSUs (incl. SEBs) 5499.83 487.43 0.00
b.3.3 Private Sector 0.00 0.00 0.00
R.b.4 Oil Pipelines 0.00 0.00 0.00
R.b.5 Oil/Gas/Liquefied Natural Gas (LNG) storage facility 82.65 0.01 0.00
R.b.6 Gas Pipelines 0.00 3.38 0.00
NOTICE
R.c. Water and Sanitation (c.1 to c.7) 777.68 5.55 0.00
R.c.1 Solid Waste Management 1.08 0.00 0.00
R.c.2 Water supply pipelines 0.25 1.27 0.00
R.c.3 Water treatment plants 7.11 4.28 0.00
R.c.4 Sewage collection, treatment and disposal system 7.16 0.00 0.00
R.c.5 Irrigation (dams, channels, embankments etc) 762.08 0.00 0.00
R.c.6 Storm Water Drainage System 0.00 0.00 0.00
R.c.7 Slurry Pipelines 0.00 0.00 0.00
R.d. Communication (d.1 to d.3) 506.74 2401.00 37.88
R.d.1 Telecommunication (Fixed network) 0.00 0.00 0.00
REPORTS
R.d.2 Telecommunication towers 0.00 0.00 0.00
R.d.3 Telecommunication and Telecom Services 506.74 2401.00 37.88
R.e. Social and Commercial Infrastructure (e.1 to e.12) 2167.66 107.65 0.00
R.e.1 Education Institutions (capital stock) 465.98 3.31 0.00
R.e.2 Hospitals (capital stock) 457.23 78.77 0.00
R.e.3 Three-star or higher category classified hotels 618.32 18.49 0.00
located outside cities with population of more than 1 million
R.e.4 Common infrastructure for industrial parks, SEZ, 188.77 0.57 0.00
tourism facilities and agriculture markets
R.e.5 Fertilizer (Capital investment) 0.00 0.00 0.00 FINANCIALS
R.e.6 Post harvest storage infrastructure for agriculture 251.63 5.75 0.00
and horticultural produce including cold storage
R.e.7 Terminal markets 0.00 0.00 0.00
R.e.8 Soil-testing laboratories 0.19 0.00 0.00
R.e.9 Cold Chain 0.00 0.00 0.00
R.e.10 Sports Infrastructure 132.59 0.00 0.00
R.e.11 Tourism - Ropeways and Cable Cars 50.00 0.00 0.00
R.e.12 Affordable Housing 2.95 0.76 0.00
R.f. Others, if any, please specify 1269.71 0.00 405.97
S. Other Industries, pl. specify 33379.66 3690.45 29.44
All Industries (A to S) 102872.01 19262.58 9508.17
Residuary other advances (to tally with gross advances) 131353.54 969.28 9894.90
Total 234225.55 20231.86 19403.07
STRATEGY
Table DF-4
Credit risk: disclosures for portfolios subject to the standardized approach
Qualitative Disclosures
a.
The Bank has adopted Standardized approach for computation of capital charge for Credit risk as per RBI
guidelines. These guidelines envisage different risk weights for different asset classes, which have been duly
applied.
b.
The Bank has recognized the ratings issued by seven External Credit Rating Agencies identified by RBI viz.,
NOTICE
CRISIL Ratings Ltd., CARE Rating, ICRA Ltd., India Ratings and Research Pvt. ltd, ACUITE (SMERA) Ratings,
BRICKWORK and INFOMERICS to rate the exposures of borrowers.
c.
These agencies rate all fund and non-fund based exposures. The ratings awarded by these agencies to the Bank’s
borrowers are adopted for assigning risk-weights.
d.
In case of Bank’s investment in particular issues of Corporates, the issue specific rating of the rating agency is
reckoned to assign the risk weight.
REPORTS
(b) For exposure amounts after risk mitigation subject to the standardized approach
FINANCIALS
Qualitative Disclosures
• Policies and processes for collateral valuation and management;
Bank has a well-defined credit risk mitigation and collateral management policy. The main types of collaterals accepted
by the Bank are cash and near cash securities, land and building, plant, machinery and stocks etc.
• A description of the main types of collateral taken by the Bank;
Bank accepts personal guarantees, corporate guarantees and guarantees issued by sovereigns and banks. Collaterals
are valued at fair market value and at regular intervals as per the policy guidelines.
RBI guidelines recognize various types of financial collaterals for the purpose of credit risk mitigation. The guidelines further
provide recognition of guarantees as one of the credit risk mitigants. Bank has put in place suitable policy measures to
capture these elements.
Quantitative Disclosures ` in Crore
(b)
For disclosed credit risk portfolio under the standardized approach, the total exposure
that is covered by:
• eligible financial collateral;
• Fund based 14389.38
Table DF-6
Securitization: disclosure for standardized approach
Qualitative Disclosures: Nil
Quantitative Disclosures ` in Crore
Banking Book
(d) The total amount of exposures securitized by the bank Nil
(e) For exposures securitized losses recognized by the bank during the current period broken down by the Nil
exposure type (eg. Credit cards, housing loans, auto loans etc. detailed by underlying security)
(f) Amount of assets intended to be securitized within a year Nil
(g) Of (f), the amount of assets originated within a year before securitization Nil
(h) The total amount of exposures securitized (by exposure type) and unrecognized gain or losses on sale Nil
by exposure type
(i) Aggregate amount of :
- On balance sheet securitization exposures retained or purchased broken down by exposure type and- Nil
- Off balance sheet securitization exposures broken down by exposure type Nil
(j) Aggregate amount of securitization exposures retained or purchased and the associated capital Nil
charges broken down between exposures and further broken down into different risk weight bands for
each regulatory capital approach.
Exposures that have been deducted entirely from Tier 1 capital, credit enhancing I/Os deducted from Nil
Total Capital, and other exposures deducted from total capital (by exposure type)
STRATEGY
(m) Aggregate amount of securitization exposures retained or purchased separately for :
- securitization exposures retained or purchased subject to comprehensive risk measure for specific Nil
risk: and
- securitization exposures subject to the securitization framework for specific risk broken down into Nil
different risk weight bands
(n) Aggregate amount of :
- The capital requirements for the securitization exposures, subject to the securitization framework Nil
broken down into different risk weight bands
- Securitization exposures that are deducted entirely from Tier 1 capital, credit enhancing I/O deducted Nil
from total capital, and other exposures deducted from total capital ( by exposure type)
NOTICE
Table DF-7
Market risk in trading book
Qualitative disclosures
The Bank has a well-defined Market Risk Management Policy. This policy covers all important areas of market risk
measurement.
Bank defines Market Risk as the risk of loss in on-balance sheet and off-balance sheet positions arising from movements in
REPORTS
market rates, in particular, changes in interest rates, exchange rates and equity and commodity prices.
The Bank has adopted Standardized Duration Approach for measuring the capital requirements for market risk as prescribed
by RBI.
Asset-Liability Management
The ALM Policy is framed as per the extant regulatory guidelines and is approved by the Board of Directors. The Policy
is reviewed periodically to incorporate changes as required by regulatory stipulation or to re-align with changes in the
economic landscape. The ALCO of the Bank approves and reviews strategies and provides guidance for management of
liquidity risk and interest rate risk within the framework laid out in the ALM Policy. The Risk Committee of the Board has an
oversight on the ALCO.
Liquidity Risk
Liquidity Risk is measured using flow approach & stock approach. Flow approach involves comprehensive tracking of cash
flow mismatches. Stock approach involves measurement of critical ratios in respect of liquidity risk.
The Bank measures and controls IRRBB using both Earnings Perspective (Traditional Gap Analysis) and Economic Value
Perspective (Duration Gap Analysis). These methods involve bucketing of rate sensitive assets and rate sensitive liabilities
including off-balance sheet items, based on the maturity/re-pricing dates.
Quantitative disclosures
Capital Requirement for Market Risk Capital Charge (` in Crore)
Interest Rate Risk 597.17
Equity Position Risk 287.57
Foreign Exchange Risk 4.05
TOTAL 888.79
Table DF-8
Operational risk
Qualitative disclosures
Operational Risk is the risk of losses resulting from inadequate or failed internal processes, people and systems or
from external events. Operational Risk includes legal risk but excludes strategic and reputation risks. Operational Risk
Management in the Bank is guided by a well-defined Operational Risk Management Policy which is reviewed every year.
The Bank has initiated pro-active steps to equip itself to migrate to advanced approaches under Operational Risk and
has started collation of data pertaining to loss events including near miss event through Loss Data Management, Risk &
Control Self-Assessment (RCSA), Key Risk Indicators (KRI). Bank is also a member of loss data consortium “PSB Alliance”
(erstwhile CORDEx) from where external loss data is obtained.
The Bank has put in place SAS system for moving to Advanced Measurement Approach.
The Bank has provided capital for operational risk as per Basic Indicator Approach. Accordingly the capital requirement for
operational risk as on 31.03.2022 is ` 1471.71 Crore.
STRATEGY
2) Economic Value of Equity:
Modified duration of assets and liabilities is computed separately to arrive at modified duration of equity. A parallel shift
in yield curve by 200 basis point is assumed for calculating the economic value of equity.
Quantitative Disclosure
Parameter of Change ` in Crore
1. Impact on Earnings at 100 bps increase in interest rate across assets and liability 381.54
2. Market value of Equity: 200 bps change 548.32
NOTICE
Table DF-10
General Disclosure for Exposures Related to Counterparty Credit Risk
Qualitative Disclosures
(a) The Bank assigns credit limits for counterparty exposure on the basis of capital adequacy, asset quality, earnings,
liquidity and management quality.
The Bank deals in various derivative products and interest Rate Swaps. The Bank used derivative products for hedging
REPORTS
its own balance sheet items as well as for trading purposes.
Quantitative Disclosures ` in Crore
Particulars Amount
(b) Gross positive value of contracts 75.75
Netting Benefits 0
Collateral held 0
STRATEGY
37 Investments in own Additional Tier 1 instruments 0
38 Reciprocal cross-holdings in Additional Tier 1 instruments 0
39 Investments in the capital of banking, financial and insurance entities that are outside 0
the scope of regulatory consolidation, net of eligible short positions, where the bank
does not own more than 10% of the issued common share capital of the entity (amount
above 10% threshold)
40 Significant investments in the capital of banking, financial and insurance entities that 0
are outside the scope of regulatory consolidation (net of eligible short positions)
41 National specific regulatory adjustments (41a+41b) 0
41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries 0
41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have 0
NOTICE
not been consolidated with the bank
42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover 0
deductions
43 Total regulatory adjustments to Additional Tier 1 capital 0
44 Additional Tier 1 capital (AT1) 0
45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 17049.44
Tier 2 capital: instruments and provisions
46 Directly issued qualifying Tier 2 instruments plus related stock surplus 2200.00
47 Directly issued capital instruments subject to phase out from Tier 2 0
48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued 0
REPORTS
by subsidiaries and held by third parties (amount allowed in group Tier 2)
49 of which: instruments issued by subsidiaries subject to phase out 0
50 Provisions (Revaluation reserves, Provision on Standard assets, sale of NPAetc) 1310.43
51 Tier 2 capital before regulatory adjustments 3510.43
52 Investments in own Tier 2 instruments 0
53 Reciprocal cross-holdings in Tier 2 instruments 0
54 Investments in the capital of banking, financial and insurance entities that are outside 0
the scope of regulatory consolidation, net of eligible short positions, where the bank
does not own more than 10% of the issued common share capital of the entity (amount
above the 10% threshold)
FINANCIALS
55 Significant investments in the capital banking, financial and insurance entities that are 0
outside the scope of regulatory consolidation (net of eligible short positions)
56 National specific regulatory adjustments (56a+56b) 0
56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries 0
56b of which: Shortfall in the Tier 2 capital of majority owned financial entities which have 0
not been consolidated with the bank
57 Total regulatory adjustments to Tier 2 capital 0
58a Tier 2 capital 3510.43
58b Tier 2 capital (T2) admissible for regulatory capital purposes 3510.43
59 Total capital (TC = T1 + T2) (45 + 58) 20559.87
60 Total risk weighted assets (60a + 60b + 60c) 148506.29
60a of which: total credit risk weighted assets 119000.01
60b of which: total market risk weighted assets 11109.87
STRATEGY
of which: Amount eligible for CET 1 7125.70
of which: Amount eligible for AT 1 0
Reserves & Surplus 18845.77
Share application Money pending allotment 0
Minority Interest 0
Total Capital 27526.70
ii Deposits 342691.94
of which: Deposits from banks 1656.04
of which: Customer deposits 341035.90
of which: Other deposits (pl. specify) -
iii Borrowings 7474.36
NOTICE
of which: From RBI 1764.00
of which: From banks 0
of which: From other institutions & agencies 2571.26
of which: Others (Outside India) 0
of which: Subordinated Debt 0
of which: Upper Tier 2 0
of which: Unsecured. reedem NC Basel III Bonds (Tier 2) 3000.00
of which: Innovative Perpetual Debt Instrument 139.10
iv Other liabilities & provisions 8872.59
Total 386565.59
REPORTS
B Assets
i Cash and balances with Reserve Bank of India 38033.70
Balance with banks and money at call and short notice 15060.63
ii Investments: 140786.95
iii Loans and advances 168173.50
of which: Loans and advances to banks 0
of which: Loans and advances to customers 168173.50
iv Fixed assets 4955.04
v Other assets 19555.77
of which: Goodwill and intangible assets 0 FINANCIALS
STRATEGY
Eligible at solo/group/ group & solo Solo and Group
Instrument type Perpetual Debt Instruments
Amount recognised in regulatory capital (` in Crore, as of most recent reporting date) 0
Par value of instrument `10 lakhs
Accounting classification LIABILITY
Original date of issuance 28.09.2012
Perpetual or dated Perpetual
Original maturity date N.A
Issuer call subject to prior supervisory approval Yes
NOTICE
Optional call date, contingent call dates and redemption amount 28.09.2022
Subsequent call dates, if applicable N.A.
Coupons / dividends
Fixed or floating dividend/coupon Fixed
Coupon rate and any related index 9.40% p.a.
Existence of a dividend stopper No
Fully discretionary, partially discretionary or mandatory Mandatory
Existence of step up or other incentive to redeem No
REPORTS
Noncumulative or cumulative Noncumulative
Convertible or non-convertible Nonconvertible
If convertible, conversion trigger(s) N.A.
If convertible, fully or partially N.A.
If convertible, conversion rate N.A.
If convertible, mandatory or optional conversion N.A.
If convertible, specify instrument type convertible into N.A.
If convertible, specify issuer of instrument it converts into N.A.
Write-down feature Not Applicable FINANCIALS
STRATEGY
written off upon written off upon written off upon written off upon written off upon
occurrence of occurrence of occurrence of occurrence of occurrence of
the trigger event, the trigger event, the trigger event, the trigger event, the trigger event,
called the ‘point called the ‘point called the ‘point called the ‘point called the ‘point
of non-viability of non-viability of non-viability of non-viability of non-viability
trigger’(“ponv trigger’(“ponv trigger’(“ponv trigger’(“ponv trigger’(“ponv
trigger”) trigger”) trigger”) trigger”) trigger”)
If write-down, full or partial Partial Partial Partial Partial Partial
If write-down, permanent or Temporary Temporary Temporary Temporary Temporary
temporary
If temporary write-down, It should be It should be It should be It should be It should be
description of write-up done at least done at least done at least done at least done at least
NOTICE
mechanism one year after one year after one year after one year after one year after
the bank makes the bank makes the bank makes the bank makes the bank makes
the first payment the first payment the first payment the first payment the first payment
of dividend to of dividend to of dividend to of dividend to of dividend to
its common its common its common its common its common
shareholders shareholders shareholders shareholders shareholders
after breaching after breaching after breaching after breaching after breaching
the pre-specified the pre-specified the pre-specified the pre-specified the pre-specified
trigger. trigger. trigger. trigger. trigger.
Aggregate Aggregate Aggregate Aggregate Aggregate
REPORTS
write-up in a write-up in a write-up in a write-up in a write-up in a
year should be year should be year should be year should be year should be
restricted to restricted to restricted to restricted to restricted to
a percentage a percentage a percentage a percentage a percentage
of dividends of dividends of dividends of dividends of dividends
declared during declared during declared during declared during declared during
a year, the a year, the a year, the a year, the a year, the
percentage being percentage being percentage being percentage being percentage being
the ratio of the the ratio of the the ratio of the the ratio of the the ratio of the
‘equity created ‘equity created ‘equity created ‘equity created ‘equity created
by written-down by written-down by written-down by written-down by written-down
FINANCIALS
bonds’ to ‘the bonds’ to ‘the bonds’ to ‘the bonds’ to ‘the bonds’ to ‘the
total equity total equity total equity total equity total equity
minus the equity minus the equity minus the equity minus the equity minus the equity
created by created by created by created by created by
written-down written-down written-down written-down written-down
bonds’. bonds’. bonds’. bonds’. bonds’.
Aggregate write- Aggregate write- Aggregate write- Aggregate write- Aggregate write-
up in a year, up in a year, up in a year, up in a year, up in a year,
should also not should also not should also not should also not should also not
exceed 25% of exceed 25% of exceed 25% of exceed 25% of exceed 25% of
the amount paid the amount paid the amount paid the amount paid the amount paid
as dividend to as dividend to as dividend to as dividend to as dividend to
the common the common the common the common the common
shareholders in a shareholders in a shareholders in a shareholders in a shareholders in a
particular year. particular year. particular year. particular year. particular year.
Table DF-14:
Full Terms and Conditions of Regulatory Capital Instruments
Sr. No. Capital type Instruments Full Terms and Conditions
1. Equity Equity As disclosed in Main features section
2. TIER1 PDI As disclosed in Main features section
3. TIER 2 BASEL III COMPLIANT BOND As disclosed in Main features section
Table DF-16:
Equities – Disclosure for Banking Book Positions As on 31.03.2022
Qualitative Disclosures
1 The general qualitative disclosure requirement • Investments in equity of subsidiaries and joint ventures (a
(Para 2.1 of this annex) with respect to equity risk, Joint Venture would be one in which the bank, along with its
including: subsidiaries, holds more than 25 percent of the equity) are
required to classified under HTM category in accordance with
• differentiation between holdings on which the RBI guidelines. These are held with a strategic objective
capital gains are expected and those taken to maintain strategic relationships or for strategic business
under other objectives including for relationship purposes.
and strategic reasons; and
• In accordance with the RBI guidelines on investment
• Discussion of important policies covering the classification and valuation, Investments are classified on
valuation and accounting of equity holdings in the date of purchase into “Held for Trading” (HFT), “Available
the banking book. This includes the accounting for Sale” (AFS) and “Held to Maturity” (HTM) categories
techniques and valuation methodologies used, (hereinafter called “categories”). Investments which the Bank
including key assumptions and practices intends to hold till maturity are classified as HTM securities. In
affecting valuation as well as significant accordance with the RBI guidelines, equity investments held
changes in these practices. under the HTM category are classified as banking book for
capital adequacy purpose.
Investments classified under HTM category are carried at their
acquisition cost and not marked to market. Any diminution, other
than temporary, in the value of equity investments is provided for.
Any loss on sale of investments in HTM category is recognised in
the Statement of Profit and Loss. Any gain from sale of investments
under HTM category is recognised in the Statement of Profit and
Loss and is appropriated, net of taxes and statutory reserve, to
“Capital Reserve” in accordance with the RBI Guidelines.
STRATEGY
Publicly traded - -
Privately held. 313.01 415.03
JV In India (Cent Bank Home Finance) 21.90 21.90
Associate Outside India (JV in Indo Zambia Bank Ltd) 47.49 47.49
RRBs 231.09 231.09
Subsidiaries(Cent Bank Financial Services Ltd) 5.00 5.00
Strategic Investments- 2.09 104.11
Central Ware housing Corporation
Strategic Investments-IFCI 3.37 3.37
NOTICE
Strategic Investments-Other 2.07 2.07
FIs (GSFC, JKFC, WBFC)
3 The cumulative realised gains (losses) arising from sales and liquidations in the - -
reporting period.
4 Total unrealised gains (losses) - -
5 Total latent revaluation gains (losses) NIL NIL
6 Any amounts of the above included in Tier 1 and/or Tier 2 capital. - -
7 Capital requirements broken down by appropriate equity groupings, consistent with NA NA
REPORTS
the bank’s methodology, as well as the aggregate amounts and the type of equity
investments subject to any supervisory transition or grandfathering provisions
regarding regulatory capital requirements.
(Amount in ` Crore)
On-balance sheet exposures
1 On-balance sheet items (excluding derivatives and SFTs, but including collateral) 364429.33
2 (Asset amounts deducted in determining Basel III Tier 1 capital) (5190.96)
3 Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) 359238.37
Derivative exposures
4 Replacement cost associated with all derivatives transactions (i.e. net of eligible cash variation 137.93
margin)
5 Add-on amounts for PFE associated with all derivatives transactions 2059.33
6 Gross-up for derivatives collateral provided where deducted from the balance sheet assets 0
pursuant to the operative accounting framework
7 (Deductions of receivables assets for cash variation margin provided in derivatives 0
transactions)
8 (Exempted CCP leg of client-cleared trade exposures) 0
9 Adjusted effective notional amount of written credit derivatives 0
10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives) 0
11 Total derivative exposures (sum of lines 4 to 10) 2197.26
Securities financing transaction exposures
12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting transactions 23916.93
13 (Netted amounts of cash payables and cash receivables of gross SFT assets) 0
14 CCR exposure for SFT assets 79.86
15 Agent transaction exposures 0
16 Total securities financing transaction exposures (sum of lines 12 to 15) 23996.79
Other off-balance sheet exposures
17 Off-balance sheet exposure at gross notional amount 55096.16
18 (Adjustments for conversion to credit equivalent amounts) (38884.00)
19 Off-balance sheet items (sum of lines 17 and 18) 16212.16
Capital and total exposures
20 Tier 1 capital 17006.73
21 Total exposures (sum of lines 3, 11, 16 and 19) 401644.57
Leverage ratio
22 Basel III leverage ratio (per cent) 4.23%
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