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1dm{f©H$ [anmoQ>© Annual Report 2017-18

gm§{d{YH$ boImnarjH$ Statutory Auditors

n¥ð> g§.> Page No.

df©dma VwbZmË‘H$ H$m¶©-{ZînmXZ 2 Yearwise Comparative Performance 2

H$m¶©nmbH$ {ZXoeH$ H$m g§Xoe 4 Message From Executive Director 129

{ZXoeH$m| H$s [anmoQ>© 7 Directors’ Report 131

à~§YZ {dMma {d‘e© Ed§ {díbofU 10 Management Discussion and Analysis 133

H$mamo~ma CÎmaXm{¶Ëd [anmoQ>© 27 Business Responsibility Report 146

H$mnm}aoQ> A{^emgZ [anmoQ>© 2017-18 32 Corporate Governance Report 2017-18 151

{ZXoeH$mo H$s énaoIm 44 Directors’ Profile 162

~ogb III àH$Q>rH$aU 50 Basel III Disclosures 167

ñdV§Ì boIm narjH$m| H$s [anmoQ>© 85 Independent Auditors’ Report 194

VwbZ nÌ 86 Balance Sheet 195

bm^ Ed§ hm{Z boIm 87 Profit & Loss Account 196

ZH$Xr àdmh {ddaU 119 Cash Flow Statement 226

gyMZm 122 Notice 229

‘w»Vmar (àm°³gr) ’$m‘© 125 Proxy Form 231

CnpñW{V-gh-àdoe nÌ 126 Attendance Slip-cum-Entry Pass 232

B©.gr.Eg. A{YXoe ’$m‘© 128 ECS Mandate Form 234

a‘oe gr. AJ«dmb EÊS> H§$nZr, {X„r E.~r.nr. EÊS> Egmo{gEQ>, ^wdZoída H¡$bme M§X O¡Z EÊS> H§$., ‘w§~B© gmaXm EÊS nmaroH$, ‘w§~B©

Ramesh C Agrawal & Co., Delhi ABP & Associates, Bhubaneshwar Kailash Chand Jain & Co., Mumbai Sarda & Pareek, Mumbai

H§$nZr g{Md Ed§ AZwnmbZ A{YH$marCompany Secretary & Compliance Officer

lr A{‘V Hw$‘maShri Amit Kumar

{ZdoeH$ g§nH©$ H|$Ð… XoZm H$mnm}aoQ> g|Q>a, gr-10, Or ãbm°H$, ~m§Ðm Hw$bm© H$m°åßbo³g, ~m§Ðm (nyd©), ‘w§~B© - 400 051.Investor Relations Centre : Dena Corporate Centre, C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051.

a{OñQ´>ma Ed§ eo¶a A§VaU EO|Q>… qbH BZQmB_ B§{S`m àmBdoQ {b{_QoS `y{ZQ : XoZm ~¢H gr - 101, 247 nmH© , Eb. ~r. Eg. _mJ©, {dH«$mobr (n{ü_), _w§~B© - 400 083, ’$moZ : +91 22 4918 6270 B©_ob: [email protected] Registrars and Share Transfer Agents: Link Intime India Private Limited Unit : Dena Bank C – 101, 247 Park, LBS Marg, Vikhroli (West), Mumbai – 400 083 Tel : +91 22 4918 6270, E-mail : [email protected]

{df¶ gyMr / CONTENTS


(é H amo‹S _o§) (Rs. In crore)

H$m`© {ZînmXZ ‘mZX§S> Performance Parameters 2013-14 2014-15 2015-16 2016-17 2017-18

H$mamo~ma ‘mÜ`‘ Ed§ g§gmYZ Delivery Channels & Resources

emImAmo H$s g§»`m (gr.~r.Eg. g{hV) No. of Branches (with CBS) 1,633 1,739 1,846 1,874 1,872

EQ>rE‘ H$s g§»`m No. of ATMs 1,421 1,482 1,471 1,538 1,685

H$‘©Mm[a`mo H$s g§»`m No. of Employees 12,983 13,632 13,906 13,985 13,613

ny§Or Capital

ny§Or Capital 537.82 561.15 666.93 787.15 2,259.05

Ama{j{V`m§ (nwZ‘y©ë`m§H$Z Ama{j{V`m| H$mo N>mo‹S>H$a )

Reserves (Excluding Revaluation Reserves) 5,793 6,114 5,545 5,799 5,851

ny§Or n`m©áVm AZwnmV (%) Capital Adequacy Ratio (%)

~ogb II Ho$ AZwgma As Per Basel II 11.87 11.21 11.27 - -

~ogb III Ho$ AZwgma As Per Basel III 11.14 10.93 11.00 11.39 11.09

H$mamo~ma ‘mZX§S> Business Parameters

H$mamo~ma g§{‘l Business Mix 188,650 196,565 203,242 191,481 180,369

d¥{Õ % ‘| Increase in % 15.27 4.20 3.41 -5.79 -5.80

Hw$b O‘mam{e`m§ Total Deposit 110,028 115,936 117,431 113,943 106,130

d¥{Õ % ‘| Increase in % 13.19 5.37 1.29 -2.97 -6.86

Hw$b A{J«‘ (gH$b) Total Advances (Gross ) 78,622 80,629 85,811 77,538 74,239

d¥{Õ % ‘| Increase in % 18.31 2.55 6.43 -9.64 -4.25

àmW{‘H$Vm joÌ H$mo A{J«‘ Advances to Priority Sector 26,173 28,454 34,117 36,992 35,949

% Ho$ ê$n ‘o àmW{‘H$Vm joÌ A{J«‘ Priority Sector Advances in % terms 38.44 35.03 40.23 40.71 42.27

H¥${f Agriculture 10,800 12,312 15,912 16,375 18,179

d¥{Õ % ‘| Increase in % 60.73 14.00 29.24 2.90 11.02

IwXam Retail 9,706 10,910 12,053 13,301 13,240

d¥{Õ % ‘| Increase in % 25.67 12.41 10.48 10.35 -0.46

gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘Micro, Small and Medium Enterprises (MSME) 13,217 15,256 13,983 12,458 10,898

d¥{Õ % ‘| Increase in % 23.84 15.42 -8.34 -10.91 -12.52

{dÎmr` pñW{V Financials :

n[aMmbZJV bm^ Operating Profit 1,774.03 1,330.27 925.30 1,390.21 1,171.16

{Zdb bm^ / hm{Z (-) Net Profit/Loss(-) 551.66 265.48 -935.32 -863.63 -1,923.15

ã`mO go Am` Interest Income 9,978 10,763 10,646 10,182 8,932

ã`mO ì`` Interest Expenses 7,473 8,316 8,169 7,773 6,456

J¡a ã`mO Am` Non Interest Income 917 721 717 1,251 1,164

Hw$b Am` Total Income 10,895 11,485 11,363 11,433 10,096

Hw$b ì`` Total Expenses 9,121 10,155 10,437 10,043 8,925

{Zdb ã`mO ‘m{O©Z (%) Net Interest Margin ( %) 2.52 2.25 2.16 2.00 2.19

O‘mam{e bmJV (%) Cost of Deposit ( %) 7.60 7.66 7.20 6.43 5.62

df©dma VwbZmË‘H$ H$m`©-{ZînmXZ YEAR WISE COMPARATIVE PERFORMANCE


(é H amo‹S _o§) (Rs. In crore)

H$m`© {ZînmXZ ‘mZX§S> Performance Parameters 2013-14 2014-15 2015-16 2016-17 2017-18

{Z{Y bmJV (%) 'Cost of Fund ( %) 7.62 7.71 7.25 6.54 5.84

A{J«‘m| na Am` (%) Yield on Advances ( %) 11.29 10.89 10.05 8.98 8.00

{Z{Y`m| na Am` (%) Yield on Funds ( %) 9.60 9.42 8.84 8.03 7.51

AmpñV`m| na à{V’$b Return on Assets 0.51 0.22 -0.75 -0.67 -1.59

bm^m§e (é. ‘|) Dividend (in Rs) 2.20 0.90 0.00 0.00 0.00

B{¹${Q> na à{V’$b (%) Return on Equity (( %) 9.82 4.08 -13.54 -13.50 -26.17

à{V eo`a AO©Z (é. ‘|) Earning per share ( in Rs. ) 14.40 4.94 -15.50 -11.89 -18.06

AmpñV JwUdÎmm AZwnmV: Asset Quality Ratios :

gH$b EZ.nr.E. Gross NPA 2,616 4,393 8,560 12,619 16,361

gH$b A{J«‘m| Ho$ VwbZm ‘| gH$b J¡a {ZînmXH$ AmpñV`m| H$m AZwnmV %

Gross NPA to Gross Advances Ratio % 3.33 5.45 9.98 16.27 22.04

{Zdb EZ.nr.E. Net NPA 1,819 3,014 5,230.47 7,735 7,839.00

{Zdb A{J«‘m| Ho$ VwbZm ‘| {Zdb J¡a {ZînmXH$ AmpñV`m| H$m AZwnmV %

NPA to Net Advances Ratio% 2.35 3.82 6.35 10.66 11.95

EZ.nr.E. àmdYmZ H$daoO (%) NPA Provision Coverage ( %) 56.44 52.97 52.79 50.56 60.20

CËnmXH$Vm AZwnmV: Productivity Ratios :

à{V H$‘©Mmar H$mamo~ma Per Employees Business 14.53 14.42 14.62 13.69 13.25

à{V emIm H$mamo~ma Per Branch Business 121.40 118.13 114.57 102.18 100.20

df©dma VwbZmË‘H$ H$m`©-{ZînmXZ YEAR WISE COMPARATIVE PERFORMANCE


H$m`©nmbH$$ {ZXoeH$$$ H$m g§Xoe

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df© Ho$ Xm¡amZ:

~¢H$ Zo Aºy$~a, 2017 ‘mh ‘| ~mOma go Ah©Vmàmá g§ñWmZm| Ho$ ñWmnZ (Š`y.AmB©.nr.) Ho$ A§VJ©V B{¹$Q>r eoàm| H$mo {ZJ©‘ H$aHo$ ê$. 401.26 H$amo‹S> OwQ>mE.

^maV gaH$ma Zo énò 3045 H$amo‹S> H$s ny§Or Ho$ ê$n ‘| {Zdoe {H$`m h¡. {Zdoe H$s JB© ny§Or go 11.09% H$s ny§Or n`m©áVm AZwnmV H$mo ~ZmE aIZo ‘| AmnHo$ ~¢H$ H$mo ghm`Vm {‘br h¡.

BgHo$ A{V[aŠV, ~¢H$ Zo AnZo CYmam| H$mo ê$ 125 H$amo‹S> Ho$ Q>rà I AmB©.nr.S>r.AmB©. ~m°ÝS>m| Ho$ ‘moMZ Ûmam Am¡a ê$ 1400 H$amo‹S> ~ogb III AZwnmbZ A{V[aº$ Q>rà I ~m°ÝS> H$mo H«$` {dH$ën H$m à`moJ H$aHo$ MwH$m`m h¡.

Bg df©, AmB©~rE ~¢qH$J VH$ZrH$s nwañH$ma 2018 ‘| bKw ~¢H$m| Ho$ ~rM, AmnHo$ ~¢H$ H$mo gd©loð> {dÎmr` g‘mdoeZ nhb H$s loUr ‘| {dOoVm Ho$ ê$n ‘| {ZU©` {X`m J`m Wm. h‘mao Xoe ‘| {dÎmr` g‘mdoeZ H$s àJ{V Ho$ {bE AmnHo$ ~¢H$ Ûmam {Za§Va {H$E JE à`mgm| hoVw {‘br EH$ nhMmZ go h‘| Iwer hmo ahr h¡.

{dÎmr` df© 2017-18 Ho$ {bE ~¢H$ Ho$ AÝ` H$m`©{ZînmXZ H$s à‘wI {deofVmAm| Ho$ ~mao ‘| AmnH$mo gy{MV H$aZo go nyd©, ‘¢ AmnH$mo Am{W©H$ n[apñW{V`m|, d¡{œH$ Am¡a ^maVr` XmoZm| n[apñW{V`m|, ^maVr` ~¢qH$J CÚmoJ ‘| ZB© àd¥{Îm`m|, BgH$s MwZm¡{V`m|, Adgam| Am¡a ^{dî` H$s ê$naoIm Ho$ ~mao ‘| {Og‘| AmnH$m ~¢H$ H$m`© H$a ahm h¡ Ho$ g§~§Y ‘| g§jon ‘| CëboI H$aVm hy±.

Am{W©H$ AdbmoH$Z

2016 Ho$ ‘Ü` go d¡{œH$ AW©ì`dñWm ‘| dgybr ì`mnH$ Am¡a gwÑ‹T> hþB© h¡. {dœ Am{W©H$ AmCQ>bwH$ [anmoQ>© Ho$ AZwgma, {díd H$s AW©ì`dñWm ‘| 3.8% d¥{Õ 2011 Ho$ níMmV go g~go Vrd«Va Wr. {dH${gV d¡{œH$ {Zdoe Am¡a ì`mnma Ho$ nyd©, 2018 Am¡a 2019 ‘| 3.9% d¥{Õ VH$ nhþ§MZm Ano{jV h¡. {dH$mg H$s J{V H$s ^{dî` ‘| C‚db g§^mdZmE§ h¢ Š`m|{H$ g^r Xoem| ‘| g§aMZmË‘H$ gwYmam| Am¡a amOH$mofr` Zr{V`m| Ho$ {bE Adga {dÚ‘mZ h¢ Omo CËnmXH$Vm H$mo ~‹T>mVr Am¡a g‘mdoer d¥{Õ H$aVr h¡.

^maVr` AW©ì`dñWm

{dÎmr` df© 2017-18 ‘|, ^maVr` AW©ì`dñWm Zo dñVw Ed§ godm H$a (Or.Eg.Q>r.) bmJy H$a EH$ ‘rb H$m nËWa ñWm{nV {H$`m h¡. dñVw Ed§ godm H$a Zo AW©ì`dñWm Ho$ H$a AmYma Am¡a H$a ^wJVmZ g§ñH¥${V joÌ H$s d¥{Õ ‘| ghm`Vm H$s h¡. EH$ Am¡a CnbpãY {S>{OQ>b B§{S>`m H$m`©H«$‘ h¡. BgZo Z Ho$db h‘mao Xoe H$mo ZH$Xr a{hV {Z^©a AW©ì`dñWm H$s Amoa AJ«ga hmoZo ~pëH$ Jar~m| H$mo gm‘m{OH$ bm^m| H$mo A{YH$ à^mdr T>§J go nhþMmZo ‘| ghm`Vm H$s h¡.

2017 ‘| Kmo{fV gmd©O{ZH$ joÌ Ho$ à‘wI ~¢H$m| Ho$ {bE nwZ:ny§OrH$aU `moOZm Zo ny§Or ~’$a H$mo {’$a go ghm`Vm H$s Am¡a {dH$mg H$mo g‘W©Z XoZo hoVw ~¢qH$J joÌ H$s j‘Vm ‘| gwYma {H$`m. VWm{n, ~¢H$m| ‘| EZ.nr.E. Am¡a YmoImY‹S>r Ho$ ~‹T>Vo ñVa H$mo {Z`§{ÌV H$aZo Ho$ {bE ‘O~yV V§Ì ~ZmZo H$s Amdí`H$Vm h¡.

{Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z go g^r {hVYmaH$m| H$mo ~hþV Cå‘rX h¢ Am¡a `h Anojm H$s OmVr h¡ {H$ ~¢qH$J joÌ H$mo g‘`-~Õ F$U dgybr V§Ì ‘| ghm`Vm H$aoJm Am¡a H$m°nm}aoQ> EZ.nr.E. H$mo H$‘ H$aoJm, {OgH$m H$B© ~¢H$m| H$mo gm‘Zm H$aZm n‹S> ahm h¢.

AW©ì`dñWm Ho$ g‘{ï> ‘yb^yV {gÕm§V, ‘wÐmñ’$s{V Am¡a Am¡Úmo{JH$ CËnmXZ Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$‘ CËnmXZ Am¡a H$‘ ‘wÐmñ’$s{V ñVa g{hV {dH$mg H$s

{‘{lV N>{d àX{e©V H$s h¡.

{nN>bo Hw$N> dfm] Ho$ Xm¡amZ Am{W©H$ gwYmam| H$s `mÌm MwZm¡VrnyU© ahr h¡ na§Vw gmW hr à{V’$b XoZo dmbr ^r ahr h¡. gaH$ma Ûmam {H$E JE gwYmam| Ho$ n[aUm‘ñdê$n, {dXoer àË`j {Zdoe ~‹T> J`m h¡. gaH$ma Ûmam {H$E JE Cnm`m| Zo ^maV ‘| H$mamo~ma H$aZm A{YH$ gab ~Zm {X`m h¡. àmH¥${VH$ g§gmYZ A~ nmaXeu Am¡a {Zînj ê$n go Amd§{Q>V {H$E OmVo h¢.

~¢qH$J CÚmoJ H$s àd¥{Îm`m§

{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$m| Zo gVV {dH$mg Ho$ {bE ZB© aUZr{V`m| H$mo b{jV H$aVo hþE, {Z`‘m|, {damgVr àUmbr, {dKQ>ZH$mar ‘m°S>b, àm¡Úmo{J{H$`m|, ZE à{V`mo{J`m|, Am¡a EH$ gVV J«mhH$ AmYma ‘| ahH$a H$B© MwZm¡{V`m| H$m gm‘Zm {H$`m h¡. ~¢H$m| Ho$ VwbZnÌ EZnrE Ho$ ñVa ‘| d¥{Õ Ho$ àmdYmZ Ho$ gmW X~mdJ«ñV h¢ {OgHo$ n[aUm‘ñdê$n Ý`yZVa bm^àXVm h¡.

VWm{n, ~¢qH$J CÚmoJ {Z`m‘H$ Cnm`m| O¡go nwZ:ny§OrH$aU ~m°ÝS> {ZJ©‘ H$aZm, g§emo{YV EZnrE ê$naoIm Am¡a ^maV gaH$ma Ûmam {Xdmbm Am¡a {Xdm{b`mnZ g§{hVm Ho$ H$m`m©Ýd`Z O¡gr {d{^Þ H${R>Z MwZm¡{V`m| H$m gm‘Zm H$a ahm h¡ Am¡a ^maVr` [aµOd© ~¢H$ H$mo Bg X~mdnyU© n[aÑí` go CÚmoJ Ho$ ~mha AmZo H$m Anojm h¡.

~¢qH$J CÚmoJ ‘| Ho$db {Za§Va J«mhH$ H|${ÐVVm, {d{Z`m‘H$ nwZ… Om§M, àm¡Úmo{JH$s à~§YZ Am¡a A§JrH$aU, gmB~a OmopI‘ H$‘ H$aZo Am¡a ZE dmVmdaU Ho$ AZwê$n h‘mao H$m`©~b H$mo nwZJ©{R>V H$aZo Ho$ ‘mÜ`‘ go hr XrK©H$m{bH$ gVV {dH$mg H$s Anojm H$s OmVr h¡.

~¢H$ H$m {ZînmXZ

{dÎmr` df© 2017-18 Ho$ Xm¡amZ AmnHo$ ~¢H$ Ho$ {ZînmXZ H$s à‘wI {deofVmE§ Bg àH$ma h¢:

- ‘wPo AmnH$mo `h gy{MV H$aVo hþE àgÞVm hmo ahr h¡ {H$ {dÎm df© 2017-18 Ho$ Xm¡amZ, AmnHo$ ~¢H$ Zo àmW{‘H$Vm àmßV joÌ, H¥${f, J¡a-H$m°nm}aoQ> {H$gmZm|, N>moQ>o Am¡a gr‘m§V {H$gmZm|, H$‘Omoa dJ© Am¡a gyú‘ CÚ‘m| Ho$ A§VJ©V {XE JE g^r {d{Z`m‘H$ bú`m| H$mo àmßV H$a {b`m h¡.

- ~¢H$ Zo Cƒ bmJV dmbo O‘mam{e`m| H$mo Z boZo na AnZm éI Omar aIm Am¡a VXZwgma Hw$b O‘m AZwnmV H$m H$mgm % ‘mM© 2017 ‘| 37.93% go ~‹T>H$a ‘mM© 2018 ‘| 40.03% hmo J`m.

- ~¢H$ Ho$ O‘m grS>r AZwnmV ‘| F$U ‘mM©, 2017 ‘| 68.05% go ~‹T>H$a ‘mM©, 2018 ‘| 69.95% hmo J`m.

- H¥${f A{J«‘ 31 ‘mM©, 2017 Ho$ ê$. 16,375 H$amo‹S> go ~‹T>H$a 31 ‘mM©, 2018 H$mo ê$. 18,179 H$amo‹S> hmo J`m, {d{Z`m‘H$ bú` 18% H$mo nma H$aHo$ 11.02% H$s d¥{Õ XO© H$s Am¡a g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 21.38% ahm.

- àmW{‘H$Vm àmßV joÌ H$mo A{J«‘ ‘mM©, 2018 H$mo 40% Ho$ {d{Z`m‘H$ ~|M‘mH©$ H$mo nma H$aHo$ é. 35, 949 H$amo‹S> ahm Omo g‘m`mo{OV ZoQ> ~¢H$ H«o${S>Q> (EEZ~rgr) H$m 42.27% h¡.

- ~¢H$ H$s {Zdb ã`mO Am` ‘mM©, 2017 H$s ê$. 2,408.36 H$amo‹S> go ~‹T>H$a ‘mM©, 2018 ‘| ê$. 2,475.82 H$amo‹S> hmo JB© Am¡a Bgr Ad{Y Ho$ {bE {Zdb ã`mO ‘m{O©Z 2.00% go 2.19% VH$ H$s d¥{Õ hþB©.

- ~¢H$ H$s O‘m am{e H$s bmJV {dÎm df© 2016-17 ‘| 6.43% go KQ>H$a {dÎm df© 2017-18 ‘| 5.62% hmo JB©.


AmpñV JwUdËVm

{dÎmr` df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo {nN>bo df© Ho$ Xm¡amZ hþB© 1,119.87 H$amo‹S> H$s ZH$X dgybr H$s VwbZm ‘| é. 931.24 H$amo‹S> H$s dgybr H$s.

AmnHo$ ~¢H$ Zo ~Å>o ImVm| ‘| {nN>bo df© Ho$ Xm¡amZ ê$. 120.08 H$amo‹S> Ho$ g‘j ê$ 146.60 H$amo‹S> dgyb {H$E.

31 ‘mM©, 2018 H$mo, gH$b EZnrE {nN>bo df© Ho$ Xm¡amZ ê$. 12,618.73 H$amo‹S> Ho$ g‘j ê$. 16,361.44 H$amo‹S> ahm. gH$b EZnrE à{VeV {nN>bo df© 16.27% H$s VwbZm ‘| 22.04% h¡.

31 ‘mM©, 2018 H$mo {Zdb EZnrE {nN>bo df© Ho$ Xm¡amZ ê$ 7,735.12 H$amo‹S> Ho$ g‘j ê$ 7,838.78 H$amo‹S> ahm. {Zdb EZnrE à{VeV {nN>bo df© Ho$ Xm¡amZ 10.66% H$s VwbZm ‘| 11.95% h¡.

ny§Or n`m©áVm ‘mZX§S>

~ogb lll ‘mZX§S>m| Ho$ A§VJ©V OmopI‘ (^m[aV) AmpñV AZwnmV (grAmaEAma) H$mo ny§Or 31 ‘mM© 2017 H$mo 10.875% H$s {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 11.39% go H$‘ hmoH$a 31 ‘mM© 2018 H$mo 11.09% hmo JB©.

Bgr àH$ma, ~¢H$ H$s grB©Q>r 1 ny§Or AZwnmV 7.375% {d{Z`m‘H$ Amdí`H$Vm Ho$ g‘j 31 ‘mM© 2017 H$mo 7.24% Ho$ g‘j 31 ‘mM© 2018 H$mo 8.81% hmo JB©.

emIm {dñVma

n[aMmbZJV ì`` Am¡a XjVm ‘| gwYma Ho$ Ñ{ï>JV, ~¢H$ Zo emIm ImobZo na EH$ gOJ Cnm` {H$`m J`m h¡ Am¡a {dÎmr` df© 2017-18 Ho$ Xm¡amZ H$moB© ^r ZB© emIm Zht Imobr JB©. ~¢H$ Zo emIm H$mo `w{º$g§JV ~ZmZo H$s à{H«$`m ^r Ama§^ H$s h¡. VX-Zwgma ~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo 17 emImAm| H$mo AÝ` emImAm| Ho$ gmW {db` H$mo AZw‘m{XV H$a {X`m h¡, {OZ‘| go 2 emImE§ {dÎmr` df© 2017-18 Ho$ Xm¡amZ {db` H$a Xr JB© Wt. 31 ‘mM©, 2018 H$mo (72 g¡Q>obmB©Q> emImAm| g{hV) AmnHo$ ~¢H$ H$s 1,872 emImE§ h¢.

‘mZd g§gmYZ {dH$mg

df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo 21 n[adrjmYrZ A{YH$mar, 13 {deofk A{YH$mar, 128 {b{nH$ Am¡a 148 AYrZñW H$‘©Mm[a`m| H$s ^Vu H$s h¡. dV©‘mZ ‘| ~¢H$ ‘| ‘mZd ny§Or 13,613 h¢ {Og‘| go 3,705 ‘{hbmE§ h¢.

{S>{OQ>b nhb

AmnHo$ ~¢H$ Zo J«mhH$m| Ho$ gmW-gmW AnZo H$‘©Mm[a`m| Ho$ {bE {Z~m©Y Am¡a gw{dYm g‘mYmZ àXmZ H$aZo Ho$ {bE {d{^Þ {S>{OQ>b nhb Ama§^ H$s h¢. g’$bVmnyd©H$ H$m`m©pÝdV {H$E JE. Hw$N> {S>{OQ>b nhb Bg àH$ma h¡:-

- 29 Jm§dm| H$m {S>{OQ>mBOoeZ

- ~¢H$ Zo ZE ‘mo~mBb ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.

- ZE B§Q>aZoQ> ~¢qH$J AZwà`moJ H$m ew^ma§^ {H$`m h¡.

- EH$sH¥$V ^wJVmZ B§Q>a’o$g (`ynrAmB©) AZwà`moJ H$m ew^ma§^

- r‘ AmYm[aV no AZwà`moJ ewê$ {H$`m J`m Am¡a 12,796 ^r‘ AmYma ì`mnm[a`m| H$mo àXmZ {H$E JE.

- OmarH$Vm© Ho$ {bE ^maV Š`yAma H$moS> (`ynrAmB© AmYm[aV ^wJVmZ) Am¡a A{YJ«hUH$Vm© (nrAmoEg AmYm[aV ^wJVmZ) godm ‘| h¢.

- J«mhH$ Ho$ {bE dñVw Ed§ godm H$a ^wJVmZ ‘m°S>çyb H$m g’$b g§MmbZ

- 7,565 nrAmoEg Q>{‘©Zbm| H$m {Z`moOZ {H$`m J`m h¢ {Og‘| go 302 nrAmoEg Q>{‘©Zbm| H$mo Q>rà 5 Am¡a 6 H|$Ðm| ‘| {Z`mo{OV {H$`m J`m h¡.

~rnrAma nhb

~¢H$ Zo ê$nm§VaU `moOZm - XoZm àJ{V Ho$ {bE ~rgrOr Ho$ gmW gmPoXmar H$s h¡ Am¡a AmnHo$ ~¢H$ Zo ZE CËnmXm| H$m ew^ma§^ {H$`m h¡ Am¡a ZB© àUmbr Am¡a à{H«$`mAm| H$s ñWmnZm H$s h¡.

I. ~¢H$ Zo H|$ÐrH¥$V ImVm ImobZo Ho$ {bE EH$ Z`m H$mgm ~¡H$-Am°{’$g Imobm h¡.

II. ApIb ^maVr` ñVa na brS> H$m àg§ñH$aU H$aZo Ho$ {bE brS> à~§YZ àUmbr ‘XoZm gånH©$’ Ama§^ H$s h¡.

III. AmB©drAma AmYm[aV H$m°b g|Q>a: à{V ‘mh bJ^J Am¡gV 50000 BZ~mC§S> H$m°b àmá {H$E OmVo h¢.

IV. Amemo{YV à{H«$`m àdmh Am¡a IwXam F$U àg§ñH$aU Ho$ {bE b¢S> na’o$ŠQ> gm°âQ>doà Ho$ {deof Cn`moJ Ho$ gmW {dÚ‘mZ IwXam AmpñV àg§ñH$aU H|$Ð nwZJ©{R>V Wm.

V. R>mUo A§Mb ‘| nm`bQ> Ho$ ê$n ‘| 29 emImAm| Ho$ {bE E‘EgE‘B© h~ bm°ÝM {H$`m J`m.

VI. {S>{OQ>b M¡Zbm| ‘| n§OrH$aU H$mo ~‹T>mZo Ho$ {bE g^r emImAm| ‘| {S>{OQ>b nmR>embm H$m Am`moOZ {H$`m J`m Wm

AÝ` nhb|

1. Cn^moº$m F$U I§S> ‘| dmhZ F$U gmo{gªJ Ho$ {bE S>rba noAmCQ> `moOZm.

2. Amdmg F$U àñVmdm| H$s gmo{gªJ Ho$ {bE Amdmg F$U gbmhH$mam| H$mo gyMr~Õ H$aZm.

3. N>moQ>o CYmaH$Vm©Am| Ho$ {bE ZB© EH$ ‘wíV wJVmZ moOZm- XoZm F$U ‘w{º$ moOZm H¥${f Am¡a E‘EgE‘B© g{hV g^r joÌm| H$mo H$da H$aVr h¡.

4. AnZo J«mhH$m| H$mo ~ohVa CËnmX àXmZ H$aZo Ho$ {bE, AmnHo$ ~¢H$ Zo {d{^Þ JR>Omo‹S> ì`dñWm H$s h¢ O¡go {H$:

H$. mÌr H$ma {dÎm ì`dñWm Ho$ {bE ‘mé{V gwOwH$s B§{S>`m {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm

I. E‘EgE‘B© F$U brS> H$s gmo{gªJ Ho$ {bE EgE‘B©AmaE aoqQ>J {b{‘Q>oS> Ho$ gmW JR>Omo‹S> ì`dñWm

J. E‘EgE‘B© F$U XoZo ‘| gwYma Ho$ {bE, ~¢H$ Zo [agrd~b EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> (AmaEŠgAmB©Eb) Ho$ gmW QóS> [agrd~b {S>ñH$mC§qQ>J {gñQ>‘ (Q>rAmaB©S>rEg) H$mamo~ma Ho$ {bE CZHo$ Am°ZbmBZ ßboQ>’$m‘© na n§OrH$aU {H$`m h¡

K. B©S>ãë`yEg/EbAmB©Or/E‘AmB©Or Am¡a J«m‘rU Amdmg ã`mO gpãgS>r `moOZm (Ama.EMAmB©EgEg) Ho$ {hVm{YH$mar`m| Ho$ {bE àYmZ ‘§Ìr Amdmg `moOZm - H«o${S>Q> qbŠS> gpãgS>r `moOZm (nrE‘E-grEbEgEg) Ho$ H$m`m©Ýd`Z Ho$ {bE amï´>r` Amdmg ~¢H$ Ho$ gmW JR>Omo‹S> ì`dñWm

g‘mdo{eV g§d¥{Õ

Am{W©H$ g§d¥{Õ Ho$ bm^m| H$m bm^ CR>mZo Ho$ {bE, h‘| Bgo g‘mdo{eV ~ZmZo H$s Amdí`H$Vm h¡. AnZo Amn Ho$ {bE ‘yë`dmZ hmoZo Ho$ A{V[aŠV, g‘mdoer {dH$mg Am{W©H$ {dH$mg H$mo AmJo ~‹T>mVm h¡. O¡gm {H$ nhbo hr C„oI {H$`m J`m h¡, AmnHo$ ~¢H$ Zo Bg joÌ ‘| AgmYmaU ê$n go AÀN>m àXe©Z {H$`m h¡ Am¡a {dÎmr` g‘mdoeZ Ho$ joÌ ‘| AnZr nhbm| Ho$ {bE nhMmZ àmá H$s h¡.

AmnHo$ ~¢H$ Zo 18.50 bmI ImVm| Ho$ bú` Ho$ g‘j àYmZ ‘§Ìr OZ YZ `moOZm (>nrE‘OoS>rdmB©) Ho$ A§VJ©V 44.06 bmI ImVo Imobo h¢ Am¡a 26.52 bmI éno H$mS©> Omar {H$E h¢.


AmnHo$ ~¢H$ Zo {dÎmr` g‘mdoeZ Ho$ VhV Amd§{Q>V g^r 6,485 Jm§dm| H$mo H$da {H$`m h¡, {OZ‘| go 746 Jm§d nma§n[aH$ emImAm| Ho$ ‘mÜ`‘ go H$da {H$E JE h¢ Am¡a 5,739 Jm§d H$mamo~ma à{V{Z{Y ‘m°S>b Ho$ ‘mÜ`‘ go H$da {H$E JE h¢. AmnHo$ ~¢H$ Zo 31 ‘mM© 2018 VH$ AmYma Ho$ {bE 10.60 H$amo‹S> {Zdm{g`m| H$mo Zm‘m§{H$V {H$`m h¡ Am¡a `y.AmB©.S>r.E.AmB©. H$mo J¡a-amÁ` a{OñQ´mam| Ho$ ~rM erf© ñWmZ àmá {H$`m h¡.

^mdr `moOZmE§

df© 2018-19 Ho$ {bE, EZnrE ‘| H$‘r H$aZm ~¢H$ Ho$ {bE g~go ~‹S>r àmW{‘H$Vm ahoJr. Bg df© AmnH$m ~¢H$ EZ.gr.Eb.Q>r. Ho$ g§X{^©V H$m°nm}aoQ> EZnrE ‘m‘bm| Ho$ g‘mYmZ go ~‹S>r dgybr H$s ^r Anojm H$aVm h¡. BgHo$ A{V[aŠV, ~¢H$ IwXam EZnrE Ho$ ñVa H$mo H$‘ H$aZo na ^r Ü`mZ H|${ÐV H$aoJm Am¡a g^r à`mg {H$E OmE§Jo Am¡a {deof ê$n go ~Å>o ImVm| ‘| A{YH$ dgybr ‘| Ü`mZ H|${ÐV H$aoJm.

AmnHo$ ~¢H$ Zo à^mdr dgybr à{H«$`m gw{Z{üV H$aZo Ho$ {bE dgybr Ho$ à`mgm| na Ü`mZ H|${ÐV H$aZo Ho$ CÔoí` go EH$ Z`m X~mdJ«ñV AmpñV à~§YZ d{Q©>H$b {Z{‘©V {H$`m h¡.

~¢H$ H$mgm, IwXam, E‘EgE‘B© Am¡a H¥${f A{J«‘m| na AnZm Ü`mZ Omar aIoJm.

~¢H$ Zo ~rnrAma ê$nm§VaU n[a`moOZm Ho$ ‘mÜ`‘ go {d{^Þ ZB© à{H«$`mAm| Am¡a àUm-br AmemoYZm| H$s ewéAmV H$s h¡, {Og‘| Bg {dÎmr` df© Ho$ Xm¡amZ BZ ê$nm§VaU n[a`moOZmAm| Ho$ dmñV{dH$ bm^ Ano{jV hm|Jo.

Am^ma

A§V ‘|, ‘¢ `h H$hZm Mmhÿ§Jm {H$ ^maV gaH$ma, ^maVr` [aOd© ~¢H$, {d{^Þ amÁ` gaH$mam|, ^maVr` à{V^y{V {d{Z‘` ~moS©>, ~r‘m {d{Z`m‘H$ Ed§ {dH$mg àm{YH$aU Am¡a AÝ` g^r {hVYmaH$m| H$mo CZHo$ ~hþ‘yë` g§ajU, ‘mJ©Xe©Z, g‘W©Z Ho$ {bE YÝ`dmX ì`ŠV H$aVm hÿ§ Am¡a g‘`mo{MV gbmh Am¡a CZHo$ {Za§Va g‘W©Z Am¡a gh`moJ H$s Anojm H$aVm hÿ§.

{dÎmr` df© 2017-18 H$s MwZm¡VrnyU© Ad{Y Ho$ Xm¡amZ AnZo ‘yë`dmZ g§ajU Am¡a g‘W©Z Ho$ {bE g^r eo`aYmaH$m|, J«mhH$m| Am¡a ew^qMVH$m| H$mo ^r ‘¢ YÝ`dmX XoVm hÿ§ Am¡a CZHo$ {Za§Va g§ajU àmßV H$aZo H$s Anojm H$aVm hÿ§.

~¢H$ H$m ‘§S>b Bg MwZm¡VrnyU© g‘` Ho$ Xm¡amZ ~¢H$ H$m bJmVma ‘mJ©Xe©Z H$a ahm h¡ Am¡a ‘¢ CZHo$ àmoËgmhZ Am¡a ‘mJ©Xe©Z H$s gamhZm H$aVm hÿ§.

‘¢ ~¢H$ H$mo {XE Om aho g‘W©Z Ho$ {bE Zm~mS©>, {gS>~r Am¡a AÝ` {dÎmr` g§ñWmZm|, ~¢H$m| Am¡a à{V{Z{Y`m| H$m ^r Am^mar hÿ§.

A§V ‘|, ~¢H$ Ho$ g^r ñQ>m’$ gXñ`m| Ûmam {H$E JE AWH$ Am¡a AZdaV à`mgm| H$s gamhZm H$aVm hÿ§, {OZHo$ gh¶moJ Ho$ {~Zm Bg MwZm¡VrnyU© g‘` ‘| hm{gb H$s JB© àJ{V g§^d Zht hmo gH$Vr Wr. g§ñWmZ H$mo {XE Om aho {Za§Va g‘W©Z Ho$ {bE ñQ>m’$ Ho$ n[adma gXñ`m| Ho$ à{V ^r ‘¢ Am^ma ì`ŠV H$aVm hÿ§.

‘¢ AmJm‘r dfm] ‘| ~¢H$ H$s {Za§Va àJ{V Ho$ {bE g^r {hVYmaH$m| Ho$ {Za§Va gh`moJ Am¡a g‘W©Z H$s Anojm H$aVm hÿ§.

ew^H$m‘ZmAm| g{hV,

(a‘oe Eg. qgh)


{ZXoeH$m| H$s [anmoQ>© 2017-18

godm ‘|g^r gXñ¶JU,

31 _mM©, 2018 H$mo g_mßV {dÎmr` df© Ho boImo§ Ho boIm nar{jV {dÎmr` {ddaU VWm ZH$Xr àdmh {ddaU Ho gmW ~¢H H$s dm{f©H {anmoQ© àñVwV H$aVo hwE {ZXoeH _§Sb H$mo AË`§V àgÝZVm hmo ahr h¡.

2. {dÎmr` {ZînmXZ H$s {d{eîQVmE§

i) ~¢H$ H$s ~MV ~¢H O_mam{e`m°§ 31 _mM©, 2017 Ho é. 36,239 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 36,471 H$amo‹S VH nhw§M JB©, Omo {H 0.64% d¥{Õ Xem©Vr h¡.

ii) ~¢H H$s H$mgm O_mam{e`m°§ 31 _mM©, 2017 Ho é. 43,222 H$amo‹S go KQH$a 31 _mM©, 2018 H$mo é. 42,485 H$amo‹S VH nhw§M JB©, Omo {H 1.71% H$s H$_r Xem©Vr h¡. Hw$b O_m Ho én _o§ H$mgm Ho à{VeV _o§ 31 _mM© 2017 Ho 37.93% go 31 _mM© 2018 H$mo 40.03% H$s d¥{Õ hwB©.

iii) àmW{_H$Vm joÌ A{J«_ 31 _mM©, 2017 Ho é. 36,992 H$amo‹S go ~‹TH$a 31 _mM©, 2018 H$mo é. 35,949 H$amo‹S VH nhw§M J`m, Omo {H 2.82% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 42.27% ahm Omo {H {d{Z`m_H bú` 40% H$mo nma H$a {b`m.

iv) H¥${f G$U 31 _mM© 2017 Ho é. 16,375 H$amo‹S go ~‹TH$a 31 _mM© 2018 H$mo é. 18,179 H$amo‹S hmo JB© Omo {H 11.02% H$s df©-Xa-df© d¥{Õ Xem©Vr h¡ Am¡a `h g_m`mo{OV {Zdb ~¢H gmI (E.EZ.~r.gr.) H$m 21.38% ahm Omo {H {d{Z`m_H bú` 18% go A{YH h¡.

v) àmW{_H$Vm joÌ E_.Eg.E_.B©. A{J«_ 31 _mM© 2017 Ho é 15,316 H$amo‹S go H$_ hmoH$a 31 _mM© 2018 H$mo é 11,638 H$amo‹S hmo J`m h¡ Omo {H 24.01% H$s ZH$mamË_H d¥{Õ Xem©Vm h¡.

vi) Hw$b IwXam A{J«_ _o§ df©-Xa-df© 0.46% ZH$maË_H d¥{Õ hwB© h¡ Am¡a 31 _mM© 2017 Ho é 13,301 H$amo‹S H$s VwbZm _o§ 31 _mM© 2018 H$mo é 13,240 H$amo‹S Ho ñVa na nhw§M J`m.

vii) ~¢H H$m n{aMmbZJV bm^ {dÎmr` df© 2016-17 Ho {bE é 1390 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 _o§ é 1171 H$amo‹S hmo J`m h¡, Omo {H 15.76% H$s H$_r Xem©Vm h¡.

viii) {dÎm df© 2016-17 Ho {bE é 2,906 H$amo‹S H$s VwbZm _o§ {dÎmr` df© 2017-18 Ho {bE {Zdoemo§ na ã`mO Am` é 2682 hmo JB©, Omo {H 7.71% H$s H$_r Xem©Vr h¡.

ix) ~ogb III Ho A§VJ©V Omo{I_ ^m{aV AmpñV`mo§ H$s VwbZm _o§ ny§Or AZwnmV (gr.Ama.E.Ama.) _o§ H$_r AmB© Am¡a 31 _mM© 2017 H$mo 11.39% H$s VwbZm _o§ 31 _mM© 2018 H$mo 11.09% ahm.

x) ~¢H H$m Qr`a & ny§Or AZwnmV 31 _mM© 2017 H$mo 9.05% go H$_ hmoH$a 31 _mM© 2018 H$mo, 8.81% hmo J`m.

xi) EZ.nr.E. ImVmo§ _o§ ZH$Xr dgybr {dÎmr` df© 2016-17 Ho é. 1,119.87 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ 931.24 H$amo‹S hmo JB©.

xii) ~Åo ImVo Smbo JE ImVmo§ _o§ dgybr {dÎmr` df© 2016-17 Ho é. 115 H$amo‹S go ~‹TH$a {dÎmr` df© 2017-18 _o§ é. 142 H$amo‹S hmo JB©.

xiii) O_mam{e`mo§ H$s bmJV {dÎm df© 2016-17 Ho 6.43% go KQH$a {dÎm df© 2017-18 H$mo 5.62% ahr Am¡a n{aUm_ñdén O_mam{e`mo§ na ã`mO ì`` 31 _mM© 2017 Ho é. 7,213 H$amo‹S go KQH$a 31 _mM© 2018 H$mo é. 5,955 H$amo‹S ahm.

xiv) _w»` gm§p»`H$s

(é. H$amo‹S _o§)

{ddaU31 _mM© H$mo

2017 2018O_mE§ 1,13,943 1,06,130A{J«_ 77,538 74,239H$mamo~ma g§{_l 1,91,481 1,80,369{Zdoe 40,190 38,040àmW{_H$Vm joÌ 36,992 35,949H¥${f 16,375 18,179{aQob 13,301 13,240E_.Eg.E_.B©-nr.Eg. 15,316 11,638gH$b EZ.nr.E. 12,619 16,361{Zdb EZ.nr.E. 7,735 7,839Hw$b A{J«_mo§ _o§ Hw$b EZ. nr. E. H$m % 16.27 22.04{Zdb A{J«_mo§ _o§ {Zdb EZ. nr. E. H$m % 10.66 11.95

3. Am` H$m {díbofU

{dÎmr` df© 2017-2018 Ho {bE ~¢H H$m {dÎmr` H$m`© {ZînmXZ BgHo ZrMo gma én _o§ àñVwV {H$`m J`m h¡…

(énE H$amo‹S _o§)

{ddaU 31 _mM© H$mo

2017 2018n{aMmbZJV bm^ 1,390.21 1,171.16

ã`mO Am` 10,181.67 8,932.23

ã`mO ì`` 7,773.31 6,456.41

{Zdb ã`mO Am` 2,408.36 2,475.82

J¡a ã`mO Am` 1,251.39 1,163.52

àmdYmZ Ed§ AmH$pñ_H$VmE§ 2,253.84 3,094.31

H$a nyd© bm^ (1,275.36) (3178.75)

H$amo§ Ho {bE àmdYmZ (411.73) (1255.60)

{Zdb bm^ (863.63) (1923.15)

4. à_wI {dÎmr` gyMH$ (% _o)

{ddaU 31 _mM© H$mo 2017 2018

{Zdb ã`mO _m{O©Z 2.00 2.19AmpñV`mo§ na à{Vbm^ (0.67) (1.59)bmJV Am` AZwnmV 62.01 67.82àmdYmZ H$daoO AZwnmV 50.56 60.20O_mam{e`mo§ H$s bmJV 6.43 5.62



{Z{Y`mo§ H$s bmJV 6.54 5.84A{J«_mo§ na à{V’$b 8.98 8.00{Z{Y`mo§ na à{V’$b 8.03 7.51{Zdoe na à{V’$b 7.57 7.26Bp¸$Qr na à{V’$b (13.50) (26.17)à{Veoà AO©Z (é.) (11.89) (18.06)~hr _yë` (é.) 65.42 27.45

5. {dÎmr` df© 2017-18 Ho Xm¡amZ ^maVr` {aOd© ~¢H Ûmam ~¢H na bmJy ËdarV gwYmamË_H H$ma©dmB© (nrgrE) Ho H$maU ~¢H Zo H$moB© ZB© emIm Zht Imobr. BgHo A{V{a³V ~¢H Zo AÝ` {dÚ_mZ emImAmo§ _o§ Xmo emImAmo§ H$m {db` H$a {X`m h¡ Am¡a ~¢H$ H$s Hw$b emImAmo§ H$s g§»`m 1,872 (72 goQobmB©Q H$m`m©b`mo§ g{hV) ahr h¢. ~¢H H$s g^r emImE§ gr. ~r. Eg. Ho A§VJ©V H$m`©aV h¢.

6. {dÎmr` df© 2017-18 Ho Xm¡amZ ~¢H Zo 3 B©-ñ_mQ© Ho§ Ð ñWm{nV {H$E h¢, {OÝho§ {_bmH$a Hw$b 98 Ho$ÝÐ hmo JE h¢. B©-ñ_mQ© Ho§ Ð _o§, J«mhH ZH$X am{e, MoH O_m H$a gH$Vm h¡, ZH$Xr {ZH$mb gH$Vm h¡, nmg~wH$ ^r _w{ÐV H$a gH$Vm h¡ VWm B§QaZoQ ~¢qH$J gw{dYm Ho$ _mÜ`_ go 24x7 AmYma na AnZo ImVo H$m Cn`moJ H$a gH$Vm h¡.

7. df© 2017-18 Ho Xm¡amZ, ~¢H Zo 1775 nr.Amo.Eg. g§ñWm{nV {H$E h¢ Am¡a EH ZE _mo~mB©b ~¢qH$J M¡Zb AWm©V EZ.nr.gr.AmB©. Ûmam àd{V©V EH$sH¥ V wJVmZ àUmbr (`y.nr.AmB©.) H$s ewéAmV H$s h¡.

8. bm^m§e

{ZXoeH _§Sb Zo {dÎmr` df© 2017-18 Ho {bE H$moB© bm^m§e g§ñVwV Zht {H$`m.

9. {Zdb g§n{Îm Ed§ gr Ama E Ama

9.1 ~¢H H$s {Zdb g§n{Îm 31 _mM© 2018 H$mo é. 5108.04. H$amo‹S ahr.

9.2 gr.Ama.E.Ama. :

(% _o§)

~ogb III

_mM© 2017 _mM© 2018gr.Ama.E.Ama Qrà I ny§Or 9.05 8.81gr.Ama.E.Ama Qrà II ny§Or 2.34 2.28

Hw$b 11.39 11.09

10. {ZXoeH _§Sb _o§ n{adV©Z

10.1 31 _mM©, 2018 H$mo ~¢H Ho {ZXoeH _§Sb _o§ nyU©-H$m{bH {ZXoeH hmoZo Ho ZmVo Xmo H$m`©nmbH {ZXoeH$, VWm AÝ` N… {ZXoeH {ZåZmZwgma em{_b h¢ :

• ^maV gaH$ma Ho EH Zm{_Vr {ZXoeH$

• ^maVr` {aOd© ~¢H Ho EH Zm{_Vr {ZXoeH$

• ^maV gaH$ma Ûmam {Z`wº Xmo {ZXoeH$; Am¡a

• eoà YmaH$mo§ Ûmam MwZo Jò Xmo {ZXoeH$

10.2 lr AœZr Hw$_ma, AÜ`j Am¡a à~§Y {ZXoeH$, nm§M df© H$m H$m`©H$mb nyam H$aZo Ho nümV {XZm§H 31.12.2017 go à^mdr ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go {XZm§H 09 Zd§~a, 2012 H$mo àmßV A{YgyMZm g§. E\ 4/4/2011-~rAmo.AmB©. Ho AZwgma ~¢H Ho {ZXoeH Zht aho. ~¢H Ho AÜ`j Am¡a à~§Y {ZXoeH Ho ên _o§ CZHo H$m`©H$mb Ho Xm¡amZ lr AœZr Hw$_ma Ûmam àXmZ {H$E AZwH$aUr` ZoV¥Ëd Am¡a {Xem Ho {bE ~¢H H$m _§Sb CZH$s àe§gm H$aVm h¡.

10.3 lr_Vr V¥îUm Jwhm, H$m`©nmbH {ZXoeH$, A{Ydf©Vm H$s Ad{Y nyU© hmoZo na {XZm§H 31 AJñV, 2017 H$mo _§Sb go godm{Zd¥Îm hwB©. lr_Vr V¥îUm Jwhm Ûmam ~¢H Ho ~moS© _o§ H$m`©nmbH {ZXeoH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` `moJXmZ Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.4 Sm°. amOoe Hw$_ma `Xwd§er, amîQ—r`H¥$V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 8 Ho Cn-I§S (1) Am¡a I§S 3 Ho Cn-I§S (1) Ho gmW n{RV ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V ^maV gaH$ma, {dÎm _§Ìmb`, {dÎmr` godmAmo§ {d^mJ go àmßV A{YgyMZm g§. E\ .4 / 5 / (6) 2017-~rAmoAmB© {XZm§H 09 AŠQy~a, 2017 Ho AZwgma, {XZm§H 09 AŠQy~a, 2017 go à^mdr, VrZ df© H$s Ad{Y Ho {bE `m AJbo AmXoe VH$, Omo ^r nhbo hmo, H$m`©nmbH {ZXoeH Ho ên _o§ {Z`wº {H$E JE h¡.

10.5 lr ~§H$s_ Ama XogmB©, H$m_Jma H$_©Mmar {ZXoeH$, amîQ—r`H¥ V ~¢H (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1970 Ho I§S 9 Ho Cn-I§S (1) Am¡a (2) Ho gmW n{RV ~¢qH$J H§$nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (E) Ho A§VJ©V {XZm§H 19.09.2014 go à^mdr, H$m`©H$mb nyam hmoZo na {XZm§H 19.09.2017 go ~¢H Ho {ZXoeH Zht aho§Jo. lr ~§H$s_ Ama XogmB© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.6 Sm° C_oe ~obya, eoàYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° C_oe ~obya Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.7 lr dr M§ÐeoIaZ, eoàYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. lr dr M§ÐeoIaZ Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.8 Sm° èmo dY©Z d_m©, eoàYmaH {ZXoeH$, ~¢qH$J H§ nZr (CnHŒ _ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho A§VJ©V {Zdm©{MV, {XZm§H 24 _mM©, 2015 go à^mdr, 23 _mM©, 2018 H$mo VrZ df© H$m H$m`©H$mb nyam H$aZo Ho nümV ~¢H Ho {ZXoeH Zht aho§Jo. Sm° èmo dY©Z d_m© Ûmam ~¢H Ho _§Sb _o§ {ZXoeH Ho ên _o§ H$m`©H$mb Ho Xm¡amZ {XE JE ~hw_yë` _mJ©Xe©Z Ho {bE {ZXoeH _§Sb Ûmam BZH$s àe§gm H$s JB©.

10.9 g_rjmYrZ {dÎmr` df© Ho Xm¡amZ, ~¢qH$J H§$nZr (CnH«$_ A{YJ«hU Am¡a hñVm§VaU) A{Y{Z`_, 1970/1980 H$s Ymam 9 H$s CnYmam (3) Ho I§S (i) Ho AZwgma, Ho$§Ð gaH$ma Ho A{V{aº Xmo eoàYmaH {ZXoeH$mo§ Ho MwZmd Ho {bE {XZm§H 27 _mM©, 2018 H$mo ga gmoam~Or nmoMImZmdmbm ~¢H$a à{ejU _hm{dÚmb`, _w§~B© _o§ ~¢H Zo ~¢H Ho eoàYmaH$mo§ H$s EH AgmYmaU gm_mÝ` g^m Am`mo{OV H$s JB©. _VXmZ H$s g’$bVm Ho ~mX, Xmo eoàYmaH {ZXoeH AWm©V (i) Sm° èmodY©Z d_m© Am¡a (ii) lr amHo e Hw$ _ma, H|$Ð gaH$ma Ho A{V{aº AÝ` eoàYmaH$mo§ H$m à{V{Z{Y Ho ên _o§ eoàYmaH {ZXoeH Ho ên _o§ MwZo JE Wo. {XZm§H 8 _mM©, 2018 go ò {ZXoeH VrZ df© Ho {bE H$m`©^ma J«hU H$ao§Jo.



11.00 {ZXoeH$mo§ Ho CÎmaXm{`Îd H$m {ddaU

{ZXoeH 31 _mM© 2018 H$mo g_mßV df© Ho {bE dm{f©H boIm V¡`ma H$aZo _o§ {ZåZ{b{IV H$s nwpîQ H$aVo h¢ :

i. {H dm{f©H boIm V¡`ma H$aZo _o§ _hÎdnyU© {dMbZmo§, `{X H$moB© hmo, Ho g§~§Y _o§, g_w{MV ñnîQrH$aU Ho gmW bmJy boIm _mZH$mo§ H$m nmbZ {H$`m J`m h¡.

ii. {H CÝhmo§Zo Eogr boIm Zr{V`mo§ H$m M`Z {H$`m Ed§ CZH$mo {Za§Va bmJy {H$`m VWm Eogo {ZU©` Ed§ AZw_mZ bJm`o Omo g_w{MV Ed§ {ddoH$nyU© h¢ Vm{H {dÎmr` df© Ho AÝV VH ~¢H H$s gË` Am¡a ghr pñW{V àñVwV H$a gHo§ Ed§ Ad{Y Ho {bE ~¢H H$s bm^ `m hm{Z H$s pñW{V Xo gHo§ .

iii. {H CÝhmo§Zo YmoImY{‹S`mo§ Ed§ AÝ` A{Z`{_VVmAmo§ H$mo amoH$Zo Ed§ nVm bJmZo hoVw ^maV _o§ ~¢H$mo§ na bmJy {d{Y Ho àmdYmZmo§ Ho AZwgma n`m©ßV boIm {aH$mSmoª Ho aI-aImd Ho {bE g_w{MV Ed§ n`m©ßV XoIaoI H$s h¡.

iv. {H CÝhmo§Zo dm{f©H boIm, {Za§Va H$mamo~ma dmbo g§ñWmZ Ho AmYma na V¡`ma {H$`m Wm.

Am^ma

12.1 {ZXoeH _§Sb ~¢H Ho AnZo gå_m{ZV J«mhH$mo§, eo`aYmaH$mo§ VWm ew^qMVH$mo§ H$mo ~¢H H$s àJ{V _o§ CZHo _hËdnyU© `moJXmZ Ho {bE AnZm Am^ma VWm YÝ`dmX ì`º H$aVm h¡ VWm ^{dî` _o§ CZHo gVV g_W©Z Ed§ gh`moJ H$s Anojm H$aVm h¡.

12.2 maV gaH$ma VWm ^maVr` {aOd© ~¢H go àmßV g_`mo{MV gbmh, _hÎdnyU© _mJ©Xe©Z Ed§ g_W©Z Ho {bE ^r {ZXoeH _§Sb hm{X©H Am^ma ì`³V H$aVm h¡.

12.3 {ZXoeH _§Sb {dÎmr` g§ñWmAmo§ / ~¢H$mo§ VWm à{V{Z{Y`mo§ Ho à{V ^r ~¢H H$mo {XE JE CZHo gh`moJ Ed§ g_W©Z Ho {bE H¥$VkVm ì`³V H$aVm h¡.

12.4 {ZXoeH _§Sb ~¢H Ho H$mamo~ma _o§ àmßV àJ{V Ho {bE g^r ñVamo§ na ñQm\ gXñ`mo§ Ûmam {XE JE _hËdnyU© `moJXmZ Ho {bE CZH$s gamhZm H$aVm h¡. {ZXoeH$JU ~¢H Ho Vrd« H$mamo~ma {dH$mg VWm àJ{V _o§ CZgo gVV gh`moJ H$s Amem aIVo h¢.

ñWmZ : _w§~B© {ZXoeH _§Sb Ho {bE Am¡a CZH$s Amoa go {XZm§H : 31.05.2018

(a_oe Eg. qgh) H$m`©nmbH {ZXoeH


1. d¡{œH$ Am{W©H$ n[aÑí` :

{nN>bm XeH$ {d{^Þ d¡{œH$ {dÎmr` g§H$Q>, ì`mnH$ Am{W©H$ g§H$Q> Am¡a ZH$mamË‘H$ n[apñW{V H$s l¥§Ibm dmbm Wm {OgH$s ewéAmV 2008-2009 Ho$ d¡{œH$ Am{W©H g§H$Q> go hþAm, VËníMmV 2010-2012 Ho$ `yamonr` amîQ´rH$ H$O© g§H$Q> Am¡a 2014-16 Ho$ d¡{œH$ dñVwAm| H$s H$s‘Vm| Ho$ dmñV{dH$ ‘yë`m| H$m nwZ… {Z‘m©U hþAm h¡. CgHo$ níMmV {Zdoe Am¡a ì`mnma ‘| CN>mb AZwHy$b {dËmofU H$s n[apñW{V H$s n¥ð>^y{‘ Ho$ H$maU, gm‘mÝ` Vm¡a na CXma Zr{V`m§, ~ohVa {dídmg, Am¡a nyd© ‘| dñVw Ho$ ‘yë` {JamdQ> H$m à^md H$‘ hmoZo Ho$ g‘j d¡{œH$ pñW{V ‘| gwYma Omar h¡.

My§{H$ BZ g§H$Q>m| Am¡a bJmVma {dn[aV n[apñW{V`m§ hmoZo Ho$ H$maU {dœ AW©ì`dñWm ‘| ‘O~yV hþB© h¡, Omo ñWm`r {dH$mg Ho$ Am{W©H$, gm‘m{OH$ Am¡a n`m©daUr` Am`m‘m| Ho$ gmW àJ{V H$mo AmJo ~‹T>mZo dmbo XrK©H$m{bH$ ‘wÔm| Ho$ à{V Zr{V H$mo nwZOu{dV H$aZo Ho$ {bE A{YH$ Adga àXmZ H$aVm h¡.

AmB©.E‘.E’$. H$s {dœ Am{W©H$ AmCQ>bwH$ [anmoQ>© Ho$ AZwgma, df© 2018 ‘| {dœ AW©ì`dñWm 3.8% ~‹T>Zo H$s Anojm h¡.

CÞV AW©ì`dñWmAm| ‘|, {dH$mg H$mo ny§OrJV IM© ‘| ~T>moËVar, ñQ>m°H$ ‘| bm^mO©Z H$s pñW{V Am¡a ~mhar ‘m§J H$mo gwÑ‹T> H$aZo go ào[aV hmoVm h¡. hmbm§{H$ g^r à‘wI AW©ì`dñWmAm| ‘| d¥{Õ hmoZo go, `yamo joÌ ‘| Anojm H$s VwbZm ‘| gwYma gwñnîQ> én go ‘O~yV Wm.

CâVo ~mOmam| Am¡a {dH$mg AW©ì`dñWmAm| (B©.E‘.S>r.B©.) Ho$ ~rM d¥{Õ 2017 ‘| 4.3% VH$ nhþ§M J¶m h¡¡, Omo dñVw {Z`m©VH$m| ‘| ‘O~wV J{V{d{Y Am¡a dñVw Am`mVH$m| ‘| {Za§Va R>mog d¥{Õ Xem©Vm h¡.

2. Kaoby Am{W©H$ {dH$mg

maVr` AW©ì`dñWm Zo nyao {díd ‘| AnZr CnpñW{V H$mo g’$bVmnyd©H$ XO© H$s h¡. ‘wÐm {d{Z‘` nhb Am¡a dñVw Ed§ godm H$a H$m H$m`m©Ýd`Z O¡gr {d{^Þ MwZm¡{V`m| Ho$ ~mdOyX, ^maVr` AW©ì`dñWm Ho$ énm§VaU Zo AnZr g’$bVm àmßV H$s h¡.

maVr` [aOd© ~¢H$ Zo AnZr hmb hr ‘| àX{e©V ‘m¡{ÐH$ Zr{V ‘| {dÎmr` df© 2018-19 ‘| gH$b Kaoby CËnmX H$s d¥{Õ Xa 7.4% XO© H$aZo H$m AZw‘mZ bJm`m h¡, Š`m|{H$ {Zdoe J{V{d{Y`m| ‘| nwZéÕma hþAm h¡ Omo H$s ny§OrJV dñVwAm| Ho$ CËnmXZ ‘| {Za§Va d¥{Õ Am¡a Am`mV ‘| OZdar ‘mh H$s Anojm Yr‘r J{V go àX{e©V hþB© h¡. BgHo$ A{V[aŠV, d¡{œH$ ‘m§J ‘| gwYma hþAm h¡, Omo {Z`m©V H$mo àmoËgm{hV Am¡a ZE {Zdoe H$mo ~‹T>mdm XoVm h¡.

{’$a ^r, H$m°nm}aoQ> F$U AdéÕ hmoZo Am¡a g§~§{YV ~¢qH$J joÌ H$s gmI JwUdÎmm H$s qMVmAm| Zo ^maV ‘| {Zdoe H$mo Yr‘r J{V àXmZ H$s h¡. df© 2017 ‘| Kmo{fV gmd©O{ZH$ joÌ Ho$ à‘wI ~¢H$m| Ho$ {bE nwZnyªOrH$aU `moOZm go ny§Or gwajm H$mo C^maZo Am¡a ~¢qH$J joÌ ‘| {dH$mg H$mo ~‹T>mdm XoZo H$s j‘Vm ‘| gwYma H$aZm Ano{jV h¡. `h nwZnyªOrH$aU gmd©O{ZH$ joÌ Ho$ ~¢H$m| ‘| A{êmgZ H$mo ~ohVa ~ZmZo Am¡a ~¢H$m| Ho$ F$U dgybr V§Ì H$mo ~‹T>mZo Ho$ {bE {dÎmr` gwYmam| H$m EH$ ì`mnH$ n¡Ho$O hmoZm Ano{jV h¡.

maV gaH$ma Ho$ {d{^Þ g§aMZmË‘H$ Am¡a {d{Z`m‘H$ gwYmam| Ho$ à`mgm| go, Xoe ‘| {Zdoe dmVmdaU ‘| gwYma hþAm h¡ Š`m|{H$ AdéÕ n[a`moOZmAm| ‘| ’§$go {Zdoe Ho$ eoàm| ‘| H$‘r AmZm àma§^ hþAm h¡.

maVr` [aOd© ~¢H$ Am¡a d¡{œH$ g§JR>Z O¡go AmB©.E‘.E’$. Am¡a {dœ ~¢H$ Zo {dH$mg Ho$ ‘m‘bo ‘| Amem ì`ŠV {H$`m h¡, {Og‘| g‘mZ ê$n go OmopI‘ ^r em{‘b h¡. BgHo$ A{V[aŠV, AZwHy$b d¡{œH$ {dÎm nmofU n[apñW{V`m§ Am¡a

à~§YZ {dMma {d‘e© Ed§ {díbofU

H$‘ ‘wÐmñ’$s{V Ho$ ~rM g‘m`moÁ` Zr{V`m| Zo Kaoby ‘m§J H$m g‘W©Z {H$`m h¡, {OgHo$ ~Xbo ‘| AW©ì`dñWm Ho$ {dH$mg H$m g‘W©Z Ano{jV h¡.

3. ~¢qH$J CÚmoJ H$s àd¥{Îm`m§

~‹T>Vo EZnrE ñVa Am¡a Ano{jV gmI d¥{Õ ‘| H$‘r go ~¢qH$J joÌ ‘| MwZm¡{V`m| H$m gm‘Zm H$aZm n‹S> ahm h¡.

df© Ho$ Xm¡amZ, ‘mM© 2018 H$mo g‘má amOH$mofr` df© ‘| O‘m d¥{Õ nm§M XeH$ Ho$ {ZåZ ñVa go H$‘ ahr Š`m|{H$ {d‘wÐrH$aU Ho$ H$maU Am¡a å`yMwAb ’§$S> VWm ~r‘m O¡go AÝ` ~MV {bIVm| Ho$ AmH$f©U Zo ~¢H$ O‘mam{e`m| H$s à{VñnYm©Ë‘H$Vm H$mo g‘mßV H$a {X`m. Zd§~a 2016 Ho$ {d‘wÐrH$aU go EH${ÌV ^mar ‘mÌm ‘| O‘mam{e`m| Ho$ AmhaU hmoZo Ho$ H$maU df© 2017-18 ‘| ~¢qH$J àUmbr ‘| Hw$b O‘mam{e`m| ‘| Hw$b 6.7% H$s d¥{Õ hþB©.

AZwgy{MV dm{UpÁ`H$ ~¢H$m| Zo (Eg.gr.~r.) Ho$ gmI d¥{Õ ‘| {dÎmr` df© 17 Ho$ VXZwê$nr Ad{Y ‘| 5.59% H$s d¥{Õ H$s VwbZm ‘| 9.81% H$s d¥{Õ XO© H$s h¡. ‘m§J ‘| AmYma^yV n[aUm‘ ‘| d¥{Õ Am¡a CËnmXZ A§Vamb ‘| H$‘r Ho$ H$maU Hw$b IarX d¥{Õ ‘| Am¡a A{YH$ ~‹T>moVar H$s g§^mdZm h¡. BgHo$ A{V[aŠV, {Xdmbm Am¡a {Xdm{b`mnZ H$moS> Ho$ gmW, ~¢qH$J CÚmoJ ‘| dgybr V§Ì Ho$ g‘`~Õ g‘mYmZ H$mo gw{dYmOZH$ ~ZmZo VWm Cgo ‘O~yV H$aZo H$s Anojm h¡.

{S>{OQ>b ñVa na, ZH$Xr a{hV boZXoZ ‘| ~‹T>Vr àd¥{Îm XoIr Om ahr h¡ Am¡a `ynrAmB©, dm°boQ>, Š`yAma Am¡a EB©nrEg BË`m{X O¡go {d{^Þ ZE `wJ Ho$ {S>{OQ>b CËnmXm| H$mo J«mhH$m| H$mo AnZmZo ‘| H$B© JwZm gwYma hþAm h¡ Am¡a ~¢H$m| go ZB© Cå‘rX| ~‹T> ahr h¢.

4. Ñ{ï>H$moU

maV Zo hmb hr ‘| g§aMZmË‘H$ gwYmam| ‘| àJ{V H$s h¡, {Og‘| dñVw Am¡a godm H$a Ho$ H$m`m©Ýd`Z g{hV, ì`mnma go Am§V[aH$ ~mYmAm| H$mo H$‘ H$aZo, XjVm ‘| d¥{Õ bmZo, Am¡a g‘J« H$a AZwnmbZ ‘| gwYma H$s Anojm H$s OmVr h¡.

‘m¡{ÐH$ Zr{V g{‘{V Zo `h ZmoQ> {H$`m h¡ {H$ {dH$mg C{MV én go hmo ahm h¡. {Oggo hmb hr Ho$ ‘hrZm| ‘| F$U CR>md ‘| d¥{Õ {XImB© Xr h¡. àmW{‘H$ ny§Or ~mOma go g§gmYZm| Ho$ ~‹S>o n¡‘mZo na g§J«hU go {Zdoe J{V{d{Y`m| ‘| AmJo g‘W©Z àmßV hmoZo H$s Anojm h¡. Kaoby MH«$s` dgybr àJ{V na h¡, hmb hr Ho$ {XZm| ‘| àñVwV H$s JB© {d{^Þ g§aMZmË‘H$ gwYmam| go XrKm©d{Y d¥{Õ H$s g§^mdZm H$mo ^r gwÑ‹T> {H$`m OmZm Ano{jV h¡.

ZH$mamË‘H$ pñW{V go, gmd©O{ZH$ {dÎmnmofU ‘| H$‘r {ZOr {dÎmnmofU Am¡a {Zdoe Ho$ ~{hJ©‘Z go OmopI‘m| ‘| d¥{Õ hþB© h¡. BgHo$ A{V[aŠV, d¡{œH$ {dH$mg Am¡a ì`mnma ‘O~yV hmoZo Ho$ ~mdOyX, ~‹T>Vo ì`mnma g§ajUdmX Am¡a {dÎmr` ~mOma ‘| ApñWaVm go {Za§Va d¡{œH$ {dH$mg ‘o H$‘r H$s g§^mdZm h¡. Eogo ApñWa d¡{œH$ dmVmdaU ‘|, `h {deof ê$n go ‘hËdnyU© h¡ {H$ Kaoby g‘{ï> Am{W©H$ ‘m¡{bH$ {gÕm§Vm| H$mo ‘O~yV {H$`m OmE, X~mdJ«ñV H$m°nm}aoQ> H$mo AmJo Z ~‹T>mZo Am¡a ~¢H$ Ho$ VwbZ nÌ H$m nwZ{Z©‘m©U Am¡a OmopI‘-^mJrXmar ‘| {dñVma {H$¶m OmE.

g‘J« én go, ^maV H$m Ñ{ï>H$moU d¥hX én go gH$mamË‘H$ ~Zm hþAm h¡, Omo ‘O~yV {ZOr InV Am¡a gmd©O{ZH$ {Zdoe Ho$ gmW-gmW Mb aho g§aMZmË‘H$ gwYmam| Ho$ H$maU ~Zm hþAm h¡. ì`mnma go Am§V[aH$ ~mYmAm| H$mo H$‘ H$aZo, XjVm ‘| d¥{Õ bmZo, Am¡a g‘J« H$a AZwnmbZ ‘| gwYma H$s Anojm H$s OmVr h¡.


5. ~¢H$ H$m H$mamo~mar {ZînmXZ

{nN>bo Xmo dfm] ‘| ~¢H$ H$m Hw$b H$mamo~ma g§{‘l {ZåZ{bpIV h¡ :

(é. H$amo‹S> ‘|)

{ddaU 31 ‘mM© 2017 31 ‘mM© 2018

Hw$b O‘mam{e`m§ 113942.77 106130.15

gH$b A{J«‘ 77537.84 74238.58

Hw$b H$mamo~ma g§{‘l 191480.61 180368.73

6. O‘m g§J«hU

O‘m g§J«hU é H$amo‹S> ‘|

‘mZX§S> ‘mM© 2018

Mmby O‘mE§ (Amo.S>r.Q>r.S>r. g{hV) 6013.53

Hw$b O‘m am{e`m| H$m à{VeV 5.88%

~MV O‘mE§ 36471.49


gmd{Y O‘mE§ 59762.34


Hw$b O‘m am{e`m§ 102247.36

A§Va ~¢H$ O‘m am{e`m§ 3882.79

Hw$b O‘m am{e`m§ 106130.15

% Hw$b O‘mAm| ‘| Mm.Im / ~.Im. 40.03%

7. F$U {ZJamZr Ed§ AmpñV JwUdÎmm

~¢H$ Zo maVr` [aOd© ~¢H$ Ho$ AZwén X~mdJ«ñV AmpñV`m| Ho$ g‘mYmZ Ho$ {bE Ama~rAmB© Ho$ n[anÌ g§ S>r~rAma g»¶m ~r.nr.~r.gr. 101/21.04.048 /2017-18 {XZm§H$ 12.02.2018 Ûmam Omar g§emo{YV énaoIm Ho$ gmW AnZr {ZJamZr àUmbr H$mo ì`dpñWV {H$`m h¡.

~¢H$ Zo 25 bmI énò Am¡a Cggo A{YH$ H$s ñdrH¥$V gr‘m dmbo 7 {XZm| Am¡a Cggo A{YH$ Ho$ A{VXo` ImVm| H$s gyMr {’$ZmH$b go X¡{ZH$ AmYma na {Z{‘©V {H$E JE ‘m{gH$ {ZJamZr [anmoQ>© (E‘E‘Ama) Ho$ AmYma na AJbr AZwdVu H$ma©dmB© / g‘mYmZ `moOZm Ho$ {bE gmám{hH$ AmYma na g§~§{YV A§Mb H$m`m©b` / gr~r~r H$mo ôOr Om ahr h¡.

A§Mb ñbrnoO {ZdmaU g{‘{V (OoS>.Eg.Eg.nr.) H$s ~¡R>H|$ ê$ 10 bmI énò Am¡a Cggo A{YH$ Ho$ CYma ImVm| Ho$ {bE nm{jH$ AmYma na Am`mo{OV H$s OmVr h¢. àYmZ H$m`m©b` ‘| pñWV gmI {ZJamZr H$j (gr.E‘.gr.) 1 H$amo‹S> énò Am¡a Cggo A{YH$ Ho$ CYma ImVm| ‘| H$m`©d¥ËV Am¡a AÚVZ {dH$mg na Ñ{ï> aIVm h¡. àYmZ H$m`m©b` ñVa na, 1 H$amo‹S> go A{YH$ Ho$ ImVm| H$s g§~§{YV A§Mb / gr~r~r Ho$ gmW erf© à~§YZ Ûmam gmám{hH$ dr{S>`mo H$m§’«|$g ‘rqQ>J Ho$ ‘mÜ`‘ go {dMma {d‘e© ^r {H$`m OmVm h¡.

emIm {‘aa nmoQ>©b Ho$ ‘mÜ`‘ go A{VXo` ImVm| H$s ^r {ZJamZr H$s Om ahr h¡ {Ogo OZdar, 2018 ‘| n[aMm{bV {H$`m J`m h¡.

8. àmW{‘H$Vm joÌ H$mo A{J«‘ :

8.1 àmW{‘H$Vm joÌ H$mo F$U àXmZ H$aZo Ho$ g§~§Y ‘| ~¢H$ AnZo gm‘m{OH$ CÎmaXm{`Ëdm| H$m {Za§Va {Zd©hZ H$a ahm h¡. ~¢H$ Zo àmW{‘H$Vm joÌ A{J«‘m|

Ho$ {d{^Þ joÌm| H$mo F$U à^md ~‹T>mZo Ho$ {bE df© Ho$ Xm¡amZ ~hþ-CÝ‘wIr `moOZmE§ AnZm`r h¢. ~¢H$ H$s àmW{‘H$Vm joÌ H$s A{J«‘ 31.03.2018 VH$ 35 9 4 9 H$amo‹S> énò Wr é. ‘mM©, 2018 ‘| g‘m`mo{OV {Zdb ~¢H$ gmI ‘| àmW{‘H$Vm joÌ Ho$ A{J«‘m| H$m AZwnmV {Z`m‘H$ {Xem{ZXoem| Ho$ 40% H$s VwbZm ‘| 42.27% ahm.

8.2 H¥${f CYma :

gaH$ma Ho$ H¥${f CYma n¡Ho$O Ho$ AZwgma ~¢H$ H¥${f joÌ H$mo F$U àdmh ~‹T>mZo Ho$ {bE bJmVma Amdí`H$ Cnm` H$a ahm h¡. df© Ho$ Xm¡amZ H¥${f CYma ‘mM©, 2017 Ho$ é. 16,375 H$amo‹S> Ho$ ñVa go ~‹T>H$a ‘mM©, 2018 H$mo é. 18,179 H$amo‹S> hmo JE, Omo 11.02 % H$s d¥{Õ Xem©Vo h¢. ~¢H$ Ho$ g‘m`mo{OV {Zdb CYma ‘| H¥${f ~H$m`m CYma H$m AZwnmV 21.38% Wm Omo {H$ 31 ‘mM© 2018 Ho$ ~|M‘mH©$ 18% H$mo nma H$a J`m.

~¢H$ Ûmam bKw/gr‘m§V H¥$fH$m| H$mo A{J«‘ 31 ‘mM© 2017 Ho$ é 6252 H$amo‹S> Ho$ ñVa go ~‹T>H$a 31 ‘mM© 2018 H$mo é 8,268 H$amo‹S> hmo J`m, Omo 32.25% H$s d¥{Õ XemVr h¢. 31 ‘mM© 2018 Ho$ g‘m`mo{OV {Zdb ~¢H$ CYma ‘| bKw/gr‘m§V H¥$fH$m| H$m AZwnmV ^m.[a.~¢. Ho$ ~|M‘mH©$ 8% H$s VwbZm ‘| 9.72% ahm.

8.3 {deof H¥${f gmI `moOZm Ho$ A§VJ©V àJ{V

~¢H$ Zo {dÎm df© 2017-18 Ho$ Xm¡amZ é. 6,971 H$amo‹S> Ho$ bú` H$s VwbZm ‘| {deof F$U `moOZm Ho$ A§VJ©V é. 6,825 H$amo‹S> {dV[aV {H$E, Omo {H$ ~¢H$ Ho$ {bE {ZYm©[aV bú` H$m 102% àm{á Xem©Vm h¡.

8.4 XoZm {H$gmZ H«o${S>Q> H$mS©>

maV gaH$ma Ho$ {dÚ‘mZ {Xem{ZXoem| Ho$ AZwgma ~¢H$ Zo g§emo{YV {H$gmZ H«o${S>Q> H$mS©> `moOZm H$m H$m`m©Ýd`Z {H$`m h¡. ~¢H$ Zo ‘mM©, 2018 VH$ é. 7,510 H$amo‹S> ~H$m`m gmI Ho$ Hw$b 3,76,607 {H$gmZ H«o${S>Q> H$mS©> Omar {H$E h¢, O~{H$ ‘mM©, 2017 VH$ é. 6,974 H$amo‹S> H$s ~H$m`m gmI Ho$ 3,70,435 H$mS©> Omar {H$ò JE Wo, Bg àH$ma aH$‘ ‘| é 536 H$amo‹S> (7.69%) H$s d¥{Õ hþB© Am¡a Ho$.gr.gr. ImVm| H$s g§»`m ‘| 6,172 H$mS©> (1.67%) H$s d¥{Õ hþB©.

BgHo$ A{V[aº$, ~¢H$ Zo nmÌ {H$gmZm| H$mo E.Q>r.E‘. g‘{W©V éno So>{~Q> H$mS©> ^r Omar {H$E h¢, Omo {H$gmZm| H$mo E.Q>r.E‘. VWm {~H«$s ñWb (nr.Amo.Eg.) na boZ-XoZ H$aZo ‘| ghm`H$ hmoJm.

8.5 H$‘Omoa dJm] H$mo A{J«‘

H$‘Omoa dJm] H$mo {Xò JE A{J«‘ ‘mM©, 2018 ‘| é 10,019 H$amo‹S> go H$‘ go H$‘ ñVa Ho$ ê$n go KQ>H$a ‘mM© 2018 VH$ 9,931 H$amo‹S> énò hmo JE Omo {H$, 88 H$amo‹S> é (-0.88% d¥{Õ) H$s ZH$mamË‘H$ d¥{Õ Xem©Vr h¡. H$‘Omoa dJm] H$mo ~¢H$ H$m A{J«‘ g‘m`mo{OV {Zdb ~¢H$ gmI H$m 11.68% ahm.

8.6 Aën g§»`H$m| Ho$ H$ë¶mU Ho$ {bE àYmZ ‘§Ìr H$m 15 gyÌr¶ H$m`©H«$‘:

‘mM© 2018 H$mo Aëng§»`H$ g‘wXm`m| H$mo gmI àdmh é 4,070 Ho$ ñVa na ahm Omo {H$ àmW{‘H$Vm joÌ Ho$ A{J«‘m| H$m 11.32 % h¡.

8.7 gr.Or.Q>r.E‘.Eg.B© `moOZm Ho$ A§VJ©V Jma§Q>r gwajm :

bKw Ed§ gyú‘ CÚ{‘`m| H$mo g§nm{œ©H$ ‘wº$ F$U àXmZ H$aZo Ho$ {bE ~¢H$ bKw Ed§ gyú‘ CÚ‘m| Ho$ {bE gmI Jma§Q>r {Z{Y Ý`mg (gr.Or.Q>r.E‘.Eg.B©.) H$s



Jma§Q>r `moOZm Ho$ A§VJ©V gh^m{JVm H$a ahm h¡. {dÎmr` df© 2017-18 Ho$ A§V VH$ `moOZm Ho$ A§VJ©V Jma§Q>r gwajm Ho$ ‘m‘bm| H$s g§»`m 13,625 hmo JB© {OZ‘| é 763.29 H$amo‹S> H$s Jma§Q>r gwajm àXmZ H$s JB©.

8.8 EZ.gr.Or.Q>r.gr. `moOZm Ho$ A§VJ©V Jma§Q>r gwajm :

bKw Ed§ gyú‘ CÚ{‘`m| H$mo g§nm{œ©H$ ‘wº$ F$U àXmZ H$aZo Ho$ {bE ~¢H$ ‘wÐm F$U Ho$ {bE amï´>r` F$U Jma§Q>r Ý`mg (EZ.gr.Or.Q>r.gr.) H$s Jma§Q>r `moOZm Ho$ A§VJ©V gh^m{JVm H$a ahm h¡. {dÎmr` df© 2017-18 Ho$ A§V VH$ `moOZm Ho$ A§VJ©V Jma§Q>r gwajm Ho$ ‘m‘bm| H$s g§»`m 7,859 hmo JB© {OZ‘| é 70.14 H$amo‹S> H$s Jma§Q>r gwajm àXmZ H$s JB©.

8.9 gaH$ma Ûmam àm`mo{OV `moOZmE§

8.9.1 àYmZ‘§Ìr amoOJma g¥OZ H$m`©H«$‘ (nr.E‘.B©.Or.nr.)

~¢H$, Jar~r CÝ‘ybZ Am¡a ñdamoOJma g¥OZ H$aZo Ho$ CÔoí` go nr.E‘.B©.Or.nr. H$mo g{H«$` én go H$m`m©pÝdV H$a ahm h¡. ~¢H$ Zo 2017-18 Ho$ Xm¡amZ nr.E‘.B©.Or.nr. Ho$ A§VJ©V 1,206 {hVYm[a`m| H$mo é 74.49 H$amo‹S> ñdrH¥$V {H$E h¢.

8.9.2 XrZX¶mb A§Ë`moX` `moOZm - amîQ´r` J«m‘rU AmOr{dH$m {‘eZ (S>r.E.dmB©.-EZ.Ama.Eb.E‘.)

~¢H$ Zo 2017-18 Ho$ Xm¡amZ S>r.E.dmB©.-EZ.Ama.Eb.E‘. Ho$ A§VJ©V 6,507 {hV{YH$m[a`m| H$mo é 50.63 H$amo‹S> F$U àXmZ {H$E. df© 2017-18 Ho$ Xm¡amZ nhMmZo JE 250 {Obm| ‘| é 63.77 bmI {hVm{YH$mar ã`mO AZwXmZ Ûmam bm^mpÝdV hþE.

8.9.3 XrZX¶mb A§Ë`moX` `moOZm amîQ´r` ehar AmOr{dH$m {‘eZ (S>r.E.dmB©. - EZ.`y.Eb.E‘.)

~¢H$ Zo 2017-18 Ho$ Xm¡amZ S>r.E.dmB©. - EZ.`y.Eb.E‘. Ho$ A§VJ©V 491 {hVm{YH$m[a`m| H$mo é 3.67 H$amo‹S> F$U àXmZ {H$E.

8.10 XoZm gm‘mÝ¶ H«o${S>Q> H$mS©> (S>r.Or.gr.gr.) `moOZm :

~¢H$ J«m‘rU VWm CnZJar` joÌm| ‘| Aën gmYZm| dmbo CYmaH$Vm©Am| H$mo Bg `moOZm Ho$ A§VJ©V é. 25,000/- VH$ H$s AmodaS´mâQ> gw{dYm àXmZ H$a ahm h¡. ‘mM© 2018 VH$ ~¢H$ Zo 13,369 S>r.Or.gr.gr. H$mS©> Omar {H$ò h¢.

8.11 gmI nam‘e© H|$Ð / {dÎmr` gmjaVm :

maVr` [aOd© ~¢H$ Zo 100% {dÎmr` g‘mdoeZ H$mo gw{Z{üV H$aZo Ho$ à`moOZ go ~¢H$m| H$mo g§~§{YV AJ«Ur {Obm| ‘| gmI nam‘e© Ho$Ð ImobZo Ho$ {ZXoe {XE h¢. VÖþgma gmI nam‘e© H|$Ð ñWm{nV H$aZo Ho$ ~mao ‘| ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem| Ho$ AZwgaU ‘| ~¢H$ JwOamV amÁ` ‘| Ah‘Xm~mX, ~ZmgH$m§R>m (nmbZnwa), Jm§YrZJa, H$ÀN>, ‘ohgmUm, nmQ>U, Aamdbr, ~mbmoX, Xod^y{‘ ÛmaH$m, {hå‘VZJa (gm~aH$m§R>m) VWm N>ÎmrgJ‹T> amÁ` ‘| am`nwa Am¡a amOZm§XJm§d Am¡a XmXam ZJa hdobr H|$Ð em{gV àXoe ‘| {gbdmgm ‘| 18 gmI nam‘e© H|$Ð Imobo h¢.

8.12 H$m°nm}aoQ> gm‘m{OH$ {Oå‘oXmar :

8.12.01 J«m‘rU ñdamoOJma à{ejU g§ñWmZ (Ama.Eg.B©.Q>r.AmB©.) :

XoZm ~¢H$ Zo 50 bmI {H$ ny§Or Ho$ gmW EH$ gmogm`Q>r XoZm J«m‘rU {dH$mg à{Vð>mZ (S>r.Ama.S>r.E’$.) H$s ñWmnZm H$s h¡ BgHo$ nümV XoZm ~¢H$ Zo é. 9.20 H$amo‹S> H$s A{V[aº$ ‘wb {Z{Y H$m A§eXmZ H$aVo hþE é 9.50 H$amo‹S> H$s d¥{Õ H$s h¡.

S>r.Ama.S>r.E’$. Zo ~¢H$ Ho$ AJ«Ur {Obm| ‘| 12 J«m‘rU ñdamoOJma à{ejU H|$Ð (Ama.Eg.B©.Q>r.AmB©.) ñWm{nV {H$E h¢ BZ‘| em{‘b h¢ JwOamV amÁ` ‘| (i) Ah‘Xm~mX, (ii) H$ÀN>, (iii) ‘ohgmUm, (iv) ~ZmgH$m§R>m, (v) gm~aH$m§R>m, (vi) nmQ>U VWm N>ÎmrgJ‹T> amÁ` ‘| (vii) XwJ©, (viii) Y‘Var, (ix) ‘hmg‘w§X, (x) am`nwa, (xi) amOZm§XJm§d VWm XmXam Am¡a ZJa hdobr Ho$Ð em{gV àXoe ‘| (ii) {gbdmgm ‘|, Ohm§ ~¢H$ AJ«Ur ~¢H$ H$m CÎmaXm{`Ëd {Z^m ahm h¡.

~¢H$ Zo A~ VH$ AmagoQ>r ^dZm| Ho$ {Z‘m©U Ho$ {bE é 4.78 H$amo‹S> am{e H$m `moJXmZ {X`m h¡.

S>r.Ama.S>r.E’$. Ûmam àm`mo{OV g^r AmagoQ>r H$mo {dÎm df© 2017-18 Ho$ {bE AmagoQ>r ^wO H$mo N>moS>H$a J«m‘rU {dH$mg ‘§Ìmb` ^maV gaH$ma Ûmam EE loUr àXmZ H$s JB© h¡.

8.13 amÁ` ñVar` ~¢H$g© g{‘{V (Eg.Eb.~r.gr.) CÎmaXm{`Ëd

~¢H$ JwOamV amÁ` ‘| amÁ` ñVar` ~¢H$g© g{‘{V Ho$ g§`moOH$ Ho$ én ‘| VWm XmXam Ed§ ZJa hdobr, X‘U Ed§ Xrd H|$Ð em{gV àXoe ‘| `y.Q>r.Eb.~r.gr. Ho$ g§`moOH$ g§~§Yr CÎmaXm{`Ëdm| H$m g’$bVmnyd©H$ {Zdm©h H$a ahm h¡. amÁ` ñVar` ~¢H$g© g{‘{V Zo JwOamV amÁ` VWm XmXam Ed§ ZJa hdobr, X‘U d Xrd H|$Ð em{gV àXoe ‘| ~¢qH$J Ho$ {dH$mg Ho$ {bE {d{^Þ àmW{‘H$Vm joÌ Am¡a {dH$mgerb `moOZmAm| H$s {Za§Va {ZJamZr Ho$ Ûmam ‘hËdnyU© ^y{‘H$m {Z^m ahm h¡.

8.14 AJ«Ur ~¢H$ `moOZm

~¢H$ Xoe Ho$ 18 {Obm| ‘| AJ«Ur ~¢H$ H$s ^y{‘H$m g’$bVmnyd©H$ {Z^m ahm h¡ {OZ‘| go 10 {Obo JwOamV ‘|, 7 {Obo N>ÎmrgJ‹T> ‘| VWm EH$ H|$Ð em{gV àXoe XmXam Ed§ ZJa hdobr ‘| em{‘b h¡.

8.15 XoZm ~¢H$ Ûmam àm`mo{OV joÌr` J«m‘rU ~¢H$:

~¢H$ Zo XoZm JwOamV J«m‘rU ~¢H$ (S>r.Or.Or.~r.) àm`mo{OV {H$`m h¡ {OgH$s 31.03.2018 H$mo JwOamV H$s 8 {Obm| ‘| Hw$b 241 emImE§ h¢. ‘mM© 2018 H$mo XoZm JwOamV J«m‘rU ~¢H$ H$m Hw$b H$mamo~ma g§{‘l é 6,715 H$amo‹S> Wm. 31 ‘mM© 2018 H$mo g‘mßV {dËV df© Ho$ {bE S>r.Or.Or.~r. H$m {Zdb bm^ 18 H$amo‹S> h¢. g^r 241 emImE§ H$moa ~¢qH$J àUmbr Ho$ A§VJ©V em{‘b h¢.

9 {dÎmr` g‘mdoeZ

9.1. J«m‘rU {dÎmr` g‘mdoeZ

~¢H$ Zo EH$ {dÎmr` g‘mdoeZ `moOZm V¡`ma H$s h¡, {Og‘| AJ«Ur ~¢H$ `moOZm Ho$ A§VJ©V {d{^Þ amÁ` ñVar` ~¢H$a g{‘{V`m| Ûmam ~¢H$ H$mo Am~§{Q>V Jm§dm| ‘| ~¢qH$J Ho$Ðm| Ho$ ‘mÜ`‘ go ~¢qH$J godmE§ àXmZ H$aZo H$s aUZr{V {ZYm©[aV H$s JB© h¡.

~¢H$ Zo {dÎmr` g‘mdoeZ Ho$ H$m`m©Ýd`Z Ho$ {bE ApßbHo$eZ godm àXmVm (E.Eg.nr.) Ho$ én ‘| ‘¡. Q>mQ>m H$ÝgbQ>oÝgr g{d©goO (‘¡. Q>r.gr.Eg.) H$s godmE§ br h¢. ~¢H$ Zo E’$. AmB©. Jm§dm| ‘| ì`{º$JV H$mamo~mar à{V{Z{Y (~r.gr.) H$mo {Z`wº$ {H$`m h¡ Am¡a CÝho y.AmB©.S>r.E.AmB©./AmB©.~r.AmB©. ‘mZH$ 1.5.1 dµO©Z ‘mBH«$m| E.Q>r.E‘./Q>¡~ CnbãY H$amE h¢.

9.1.1 Jm§dm| H$mo em{‘b H$aZo ‘| àJ{V :

~¢H$ H$mo {dÎmr` g‘mdoeZ `moOZm Ho$ A§VJ©V ^m¡{VH$ emImAm| VWm H$mamo~mar à{V{Z{Y (~r.gr.) ‘m°So>b Ho$ ‘mÜ`‘ go ‘mM© 2018 VH$ {dÎmr` godmE§ àXmZ H$aZo Ho$ {bE Hw$b 2105 EgEgE (6485 Jm§d Am~§{Q>V) {H$ò Jò



h¢. BZ g^r EgEgE H$mo {dÎmr` g‘mdoeZ ‘| em{‘b {H$`m J`m h¡, {OZ‘| go 681 Jm§dm| H$mo ^m¡{VH$ emImAm| Ho$ Ûmam VWm 1424 EgEgE Am¡a 1424 ì`dgm{`H$ à{V{Z{Y (~r.gr.) Ho$ Ûmam em{‘b {H$`m J`m h¡.

9.1.2. ‘yb ~MV ~¢H$ O‘m ImVo (~r.Eg.~r.S>r.E.):

~¢H$ Zo ‘mM© 2018 hoVw {ZYm©[aV bú` 87.30 bmI ImVm| H$s VwbZm ‘| Hw$b 69.64 bmI ~r.Eg.~r.S>r.E. (‘yb ~MV ~¢H$ O‘m ImVo) Imobo h¡.

9.1.3. XoZm gm‘mÝ¶ H«o${S>Q> H$mS©>:

‘mM© 2017 VH$ ~¢H$ Zo é. 21.09 H$amo‹S> H$s gmI gr‘m Ho$ gmW 13500 bmI XoZm gm‘mÝ¶ H«o${S>Q> H$mS©> (AmQ>ueZ H«o${S>Q> H$mS©> g{hV) Omar {H$ò h¢.

9.1.4 ehar {dÎmr` g‘mdoeZ `moOZm:

ehar joÌm| ‘| ~¢H$, ehar joÌm| Ho$ ~¢H$ a{hV BbmH$m| ‘| CZ bmoJm|, {OÝho ~¢qH$J gw{dYm Zht h¢, àmá H$aZo ‘| H${R>ZmB© h¡ AWm©V àdmgr Am~mXr Am¡a ‘µOXya H$mo em{‘b H$aVo hþE {dÎmr` g‘mdoeZ H$a ahm h¡. `h H$m`© emIm goQ>An Ho$ ‘mÜ`‘ go hmo ahm h¡.

9.2 àYmZ‘§Ìr OZ YZ `moOZm (nr.E‘.Oo.S>r.dmB©.): -

~¢H$ Zo 31.03.2018 VH$, 28.08.2014 H$mo Ama§^ àYmZ ‘§Ìr OZ YZ `moOZm Ho$ VhV, 44.06 bmI ImVo Imobo. Cº$ VmarI VH$ 26.52 bmI ImVmYmaH$m| H$mo ê$no H$mS©> Omar {H$E JE. ~¢H$ Zo Amd§{Q>V 2105 Cn godm joÌ (Eg.Eg.E.) Am¡a 776 ehar dmS©> ‘| Ho$ g^r Kam| ‘| H$‘ go H$‘ EH$ ImVm Imobm. ê$no So>{~Q> H$mS©> ~r‘m `moOZm Ho$ VhV é. 1 bmI H$m XwK©Q>Zm gwajm H$da Am¡a é. 30 bmI H$m OrdZ gwajm H$da nr.E‘.Oo.S>r.dmB©. `moOZm Ho$ VhV ~¢H$ Ho$ J«mhH$ nmÌ h¢ Omo nr.E‘.Oo.S>r.dmB©. A{^`mZ Ad{Y 28-08-2014 go 26-01-2015 Ho$ Xm¡amZ Imobo JE ImVm| Ho$ {bE CnbãY h¡&

9.3 àË`j bm^ AV§aU Ed§ Eb.nr.Or. hoVw àË`j bm^ AV§aU

maV gaH$ma Ho$ {Xem{ZXoem| Ho$ AZwgma AmYma ^wJVmZ àUmbr (E.nr.~r.Eg.) Am¡a AmYma gj‘ ^wJVmZ àUmbr (E.B©.nr.Eg.) Ho$ ‘mÜ`‘ go àË`j bm^ A§VaU `moOZm (nr.E.EM.E.Eb.)H$mo ~¢H$ Zo g’$bVmnyd©H$ Ama§^ Am¡a bmJy {H$`m. Eb.nr.Or. Ho$ {bE àË`j bm^ A§VaU 54 {Obm| ‘| 15 Zd§~a 2014 H$mo nwZ… Ama§^ {H$`m J`m Am¡a eof g§nyU© ^maV Ho$ {Obm| ‘| 1 OZdar 2015 go bmJy {H$`m J`m. gmW hr, AmYma g§»`m Am¡a {~Zm AmYma g§»`m dmbo ImVm| ‘| am{e H$mo grYo ImVm| ‘| O‘m H$a gH$Vo h¡.

9.4. `y.AmB©.S>r.E.AmB©. Ho$ A§VJ©V AmYma Zm‘m§H$Z…

yAmB©S>rEAmB© {ZX}e Ho$ AZwgma g^r AZwgyMr dm{UpÁ`H$ ~¢H$ H$mo AmYma Zm‘m§H$Z Am¡a AÚVZ H|$Ð H$mo AnZo emIm n[aga Ho$ A§Xa CZHo$ g^r 10 emImAm| ‘| go H$‘ go H$‘ 1 ‘| ñWm{nV H$aZm h¡. ~¢H$ Zo 31.03.2018 H$s {ZYm©[aV g‘`gr‘m Ho$ ^rVa 191 AmYma H|$Ð ñWm{nV {H$E h¢²&

9.5 ‘mBH«$mo E.Q>r.E‘. Ho$ ‘mÜ`‘ go éno H$mS©> boZ-XoZ

~¢H$ Zo H$mamo~ma à{V{Z{Y H$mo àXmZ {H$E JE ‘mBH«$mo E.Q>r.E‘./Q>¡~ Ho$ ‘mÜ`‘ go éno H$mS©> boZ-XoZ Am¡a AmYma AmYm[aV ^wJVmZ àUmbr (E.B©.nr.Eg.) ‘m°S>çyb H$m`m©pÝdV {H$`m h¡. ~¢H$ Ho$ ~r.gr. H$mo àXmZ {H$E JE g^r ‘mBH«$mo E.Q>r.E‘./Q>¡~ E.B©.nr.Eg. Am°Z-Ag (A§V~¢H$) Am¡a Am°’$-Ag (A§Va ~¢H$) H$m H$m`m©Ýd`Z {H$`m OmVm h¡. h‘mao d AÝ` ~¢H$m| Ho$ éno H$mS©> YmaH$ VWm AmYma g§»`m YmaH$, h‘mao ~¢H$ {‘Ì H$mo àXmZ {H$E JE ‘mBH«$mo E.Q>r.E‘./Q>¡~ Ho$ ‘mÜ`‘ go ZH$X AmhaU, ZH$X O‘m, eof nyN>VmN>,

bKw {ddaU Am{X boZ-XoZ A~ H$a gH$Vo h¢. Bggo XyañW joÌ ‘| pñWV h‘mao Am¡a AÝ` ~¢H$ Ho$ J«mhH$m| H$mo ~ohVa ~¢qH$J godmE§ àmßV hm|Jr.

9.6 nr.E‘.Oo.S>r.dmB©. ImVm| ‘| AmodaS´mâQ> gw{dYm :

maV gaH$ma Ho$ {Xem{ZX}em| Ho$ AZwgma, ~¢H$ Zo nr.E‘.Oo.S>r.dmB©. J«mhH$m|, H$mo é 5000/- AmodaS´âQ> àXmZ H$aZo H$s `moOZm AZw‘mo{XV H$s h¡. ~eV] 6 ‘mh VH$ ImVo H$m n[aMmbZ g§VmofOZH$ én go hþAm hmo,. ~¢H$ Zo 31 ‘mM© 2018 VH$ 36,968 J«mhH$m| H$mo é 38.89 bmI H$m AmodaS´mâQ> ñdrH¥$V {H$`m h¡. nr.E‘.Oo.S>r.dmB©. Ho$ A§VJ©V AmodaS´mâQ> àmW{‘H$Vm joÌ A{J«‘ Ho$ én ‘| dJuH¥$V {H$`m OmVm h¡ Am¡a àJ{V ‘wÐm Ho$ A§VJ©V ^r [anmoQ>© H$s OmVr h¡.

9.7 nr.E‘.Oo.S>r.dmB©. Am¡a AÝ` ~MV ImVm| ‘| AmYma H$mS©> {gqS>J :

gmám{hH$ AmYma na emIm Am¡a ~rgr ñWmZm| na AmYma grqS>J {e{da Am`mo{OV H$aZo Ho$ H$maU, ~¢H$ Ho$ Hw$b n[aMm{bV ~MV ~¢H$ ImVm| ‘| AmYma grqS>J ‘| 31.03.2018 H$mo 88.09% 31.03.2017 H$mo 61.36% go Am¡a nr.E‘.OoS>r.dmB©. ImVm| Ho$ n[aMmbZ ‘| 31.03.2018 H$mo 80.81% H$s d¥{Õ 31.03.2017 H$mo 61.8 9% hmo J`m&

10. E‘.Eg.E‘.B©. goŠQ>a H$mo A{J«‘

~¢H$ A{J«‘ g§{d^mJ H$mo ~‹T>mZo Ho$ {bE E‘.Eg.E‘.B©. goŠQ>a H$s EH$ g§d¥{Õ ‘§Ì Ho$ én ‘| nhMmZ H$s JB© h¡. E‘.Eg.E‘.B©. goŠQ>a Ho$ A§VJ©V ã`mO H$s Xa| E‘.gr.Eb.Ama. + 0.25% Ho$ lo{U`m| go boH$a E‘.gr.Eb.Ama. + 4.75% Ho$ ~rM ‘| h¢ CYmaH$Vm©Am| H$s Am§V[aH$ H«o${S>Q> aoqQ>J Ho$ AZwgma Am¡a VXZwgma E‘.Eg.E‘.B©. Ho$ {bE ã`mO H$s dV©‘mZ Xa 8.60% go 13.10% VH$ h¡. F$U àñVmdm| na H$ma©dmB© hoVw j‘Vm ‘| gwYma Ho$ {bE A{YH$m[a`m| Ho$ {bE {Z`{‘V A§Vamb ‘| à{ejU H$m`©H«$‘ Am`mo{OV {H$ò Jò.

~¢H$ Zo é. 5 H$amo‹S> Am¡a Cggo A{YH$ H$s F$U gr‘mAm| dmbo E‘.Eg.E‘.B©. CYmaH$Vm©Am| H$s C{MV Om§M n‹S>Vmb H$aZo Ho$ {bE {H«${gb, Sy>Z EÊS> ~«oS>ñQ´rQ>, ‘ram BZ’$m°‘© àm. {b., H$mo ’o$g H«o${S>Q> ‘¡ZoO‘|Q> àm.{b. VWm EŠgno[a`Z g{d©goO àm. {b. Ho$ gmW JR>Omo‹S> ì`dñWm {H$`m h¡.

~¢H$ Zo E‘.Eg.B©. {dÎmr`Z ‘| d¥{Õ Ho$ {bE {d{^Þ {Vn{h`m dmhZ Am¡a H$‘{e©`b dmhZ {Z‘m©Vm H§$n{Z`m| O¡go {H$ Q>mQ>m ‘moQ>g© {b., Oo.gr.~r. B§{S>`m {b., E.E‘.S>ãë`y. ‘moQ>g© {b. Am¡a AemoH$ {bb¢S> {b. Ho$ gmW JR>~§YZ {H$`m h¡.

E‘.Eg.E‘.B©. brS> Ho$ gmo{gªJ Ho$ {bE ~¢H$ Zo ñ‘oam aoqQ>½g {b{‘Q>oS> (Eg.E‘.B©.Ama.E.) Ho$ gmW JR>Omo‹S> ì`dñWm ‘| àdoe {H$`m h¡&

~¢H$ Zo [agrd~b EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> (Ama.EŠg.AmB©.Eb.) Ho$ gmW QóS> [agrd~b {S>ñH$mC§qQ>J {gñQ>‘ (Q>r.Ama.B©.S>r.Eg.) H$mamo~ma Ho$ {bE CZHo$ Am°ZbmBZ ßboQ>’$m°‘© na n§OrH$aU {H$`m h¡&

11. [aQ>ob gmI :

11.1 ~¢H$ Ho$ gmI g§{d^mJ ‘| d¥{Õ Ho$ {bE [aQ>ob F$Um| Ho$ EH$ ‘hËdnyU© ^mJ Ho$ én ‘| nhMmZ H$s JB© h¡. ~¢H$ H$s 12 [aQ>ob ~¢qH$J moOZmE§ h¡ Omo {H$ J«mhH$m| H$s {d{^Þ Amdí`H$VmAm| H$mo nyar H$a ahr h¢. `moOZmAm| ‘| ~mOma n[aÑí`, J«mhH$m| H$s Amdí`H$VmAm| VWm emIm ñVa na H$m`© H$aZo dmbo A{YH$m[a`m| go àmá gyMZmAm| Ho$ AZwgma g‘`-g‘` na g§emoYZ {H$`m OmVm h¡. [aQ>ob ~¢qH$J `moOZmAm| H$m àMma H$aZo Ho$ {bE JhZ à`mg {H$E JE.

31 ‘mM© 2018 VH$, àË`j [aQ>ob F$U é. 10748 H$amo‹S> ahm {Oggo é



712 H$amo‹S> AWm©V 31.03.2017 ‘| 6.22% H$s d¥{Õ XO© H$s JB©. Hw$b [aQ>ob F$U ‘| é. 60.97 H$amo‹S> H$s H$‘r hþB©, Bg àH$ma df©-Xa-df© AmYma na -0.46% H$s d¥{Õ XO© H$s JB©. hmbm§{H$ AàË`j Amdmg F$U df©-Xa-df© AmYma na 35.39% H$s d¥{Õ XO© H$aVo hþE 651 H$amo‹S> énò H$s d¥{Õ hþB©

(é. H$amo‹S> ‘|)

31 ‘mM© 2017 31 ‘mM© 2018 d¥{Õ aH$‘ % d¥{ÕàË`j [aQ>ob 11,460 10,748 (712) (6.22%)

AàË`j Amdmg 1,841 2,492 651 35.39%

Hw$b [aQ>ob 13,301 13,240 (61) (0.46%)

11.2 [aQ>ob AmpñV àg§ñH$aU H|$Ð :

~¢H$ Ho$ [aQ>ob F$U g§{d^mJ H$mo ~‹T>mZo Ho$ {bE CnbãY g§^mdZmAm| H$m bm^ CR>mZo VWm ~ohVa JwUdÎmm, g‘mZVm Ed§ ‘yë`m§H$Z Am¡a ñdrH¥${V H$s J{V gw{Z{üV H$aZo Ho$ {bE, ~¢H$ Zo 14 [aQ>ob AmpñV àg§ñH$aU Ho$ÝXm| H$mo n[aMm{bV {H$`m h¡ O¡go Ah‘Xm~mX, h¡Xam~mX, ~§Jbwê$, MoÞB©, bIZD$, nwUo, gyaV, amOH$moQ>, ^monmb, ^m§Sw>n (‘w§~B©), Owhÿ {dbo nmb} (‘w§~B©), H$mobH$mVm, ZB© {X„r Am¡a XwJ© ‘| 14 [aQ>ob AmpñV emImE§ H$m`©aV h¢.

1 {gV§~a 2017 go, ~¢H$ Zo AmaEnrgr H$s ‘m¡OyXm g§aMZm ‘| gwYma {H$`m h¡ Am¡a ZE AmaEnrgr ‘m°S>b H$mo ñWm{nV {H$`m h¡ {Og‘| ZE AmaEnrgr H$m Xmàm Ho$db Mma IwXam `moOZmAm| VH$ hr gr{‘V Wm H|${ÐV Ñ{ï>H$moU aIZo Ho$ {bE ZB© AmaEnrgr g§aMZm ‘|, {d{eï> Am¡a {d{eï> Ho$AmaE g^r AmaEnrgr H$‘©Mm[a`m| ({~H«$s H«o${S>Q> Am¡a g§MmbZ) Am¡a EbE‘Eg H$mo gm¢nm J`m Wm - AmdoXZm| Ho$ òmoV Ho$ {bE EH$ ZB© brS> à~§YZ àUmbr ewê$ H$s JB© Wr&

11.3 Amdmg {dÎm :

àË`j Amdmg {dÎm `moOZm Ho$ A§VJ©V ~H$m`m am{e 31.03.2017 VH$ é. 6,280 H$amo‹S> go ~‹T>H$a 31.03.2018 H$mo é. 6,849 H$amo‹S> hmo J`r AWm©V Cg‘| é. 569 H$amoS> (9.06%) H$s d¥{Õ hþB©.

11.4 e¡j{UH$ F$U :

XoZm {dÚm bú‘r moOZm Ho$ A§VJ©V ~H$m`m am{e 31.03.2017 VH$ é. 510 H$amo‹S> go ~‹T>H$a 31.03.2018 H$mo é. 524 H$amo‹S> hmo J`r AWm©V Cg‘| é. 14 H$amo‹S> (2.74 %) H$s d¥{Õ hþB©. 30.03.2017 H$mo, 1000.00 H$amo‹S> énò Ho$ AmB©.~r.nr.gr., {ejm F$U H$m à{V{Z{YËd {H$`m J`m Am¡a {gV§~a 2017 ‘| MwH$m`m J`m.

11.5 dmhZ F$U `moOZm :

XoZm do{hH$b F$U `moOZm Ho$ A§VJ©V ~H$m`m am{e ‘| é 896 H$amo‹S> go df© Ho$ A§V VH$ é 976 H$amo‹S> VH$ nhþ§M JB© Omo {H$ é 80 H$amo‹S> (8.97%) H$s d¥{Õ Xem©Vr h¡.

12. {Zdoe

~¢H$ H$m amOH$mof {d{^Þ ~mOmam| AWm©V {dXoer {d{Z‘`, {ZYm©[aV Am`, B©{¹$Q>r Am¡a ‘wÐm ~mOma ‘| hmoZo dmbo {H«$`mH$bmnm| H$mo em{‘b H$aVo hþE n[aMmbZ H$aVm h¡. h‘mam S>rqbJ é‘ AmB©.Q>r. H$s CÎm‘ ‘yb^yV gw{dYmAm| go gp‚mV h¡ {Og‘| ~mOma gyMZm Q>{‘©Zbm| Ûmam g‘{W©V S>rqbJ ßboQ>’$m‘© CnbãY h¢.

OmopI‘ g§^mdZmAm| H$mo Ü`mZ ‘| aIVo hþE {Zdoe {d{^Þ n[an¹$Vm Ad{Y`m| ‘| aIo Jò h¢. ~¢H$ H$m gH$b Kaoby {Zdoe 31.03.2017 H$mo é. 38039.56 H$amo‹S> ({g‹S>~r, Zm~mS©>, EZ.EM.~r. g{hV) H$s VwbZm ‘| 31.03.2018 H$mo é. 40,189.77 H$amo‹S> ahm. {dXoer ‘wÐm boZ-XoZ {Zdoem| H$s {~H«$s go df© 2017-18 Ho$ Xm¡amZ amOH$mof H$m Hw$b bm^ é. 471.63 H$amo‹S> Wm {Og‘| go {dËVr` df© 2017-18 Ho$ Xm¡amZ {Zdoe H$s {~H«$s go bm^ é. 422.36 H$amo‹S> Wm. BgHo$ A{V[aŠV, amOH$mof Ûmam A{O©V bm^m§e Am` é 1.92 H$amo‹S> Wm VWm AÝ` {d{dY Am` é 0.24 H$amo‹S> Wr. ~¢H$ Ho$ {Zdoe {ZU©` OmopI‘-bm^-ì`mnma na AmYm[aV h¢ Am¡a ~¢H$ g^r A{Zdm`© {d{Z`m‘H$ Am¡a Am§V[aH$ {Xem{ZXoem| H$m H$V©ì`{Zð>m go nmbZ H$a ahm h¡. amOH$mof Ûmam {H$ò Jò g^r Zò {Zdoe ~¢H$ H$s amOH$mof Zr{V Ho$ AZwgma hr {H$ò Jò h¢.

31.03.2018 Ho$ AZwgma Eg.Eb.Ama. à{V^y{V`m§ é. 29717.82 H$amo‹S> (31 ‘mM© 2017 Ho$ AZwgma é. 34,753.46 H$amo‹S>), J¡a Eg.Eb.Ama. à{V^y{V`m§ 31.02.2018 Ho$ AZwgma é. 8321.74 H$amo‹S> Wr (31.03.2017 Ho$ AZwgma é. 5,436.30 H$amo‹S>)

{Zdoe go ã`mO Am` 31 ‘mM© 2016 H$mo é. 2,906.09 H$amo‹S> Ho$ ñVa go {JaH$a 31 ‘mM©, 2017 H$mo é. 2680.35 H$amo‹S> hmo JB©, Omo {H$ df© Xa df© Ho$ AmYma na 7.78% H$s H$‘r Xem©Vr h¡. {Zdoe na Am¡gV Am` 31.03.2017 H$mo g‘má df© Ho$ {bE 7.57% go KQ>H$a 31.03.2018 H$mo g‘má df© Ho$ {bE 7.26% hmo JB©. g§{d^mJ H$s g§emo{YV Ad{Y 4.98 aIr JB© h¡.

13. A§Vaamï´>r` ~¢qH$J H$mamo~ma

~¢H$ Zo {dXoer EŠgM|O go Ow‹S>o J«mhH$m| H$s Amdí`H$VmAm| H$mo nyam H$aZo Ho$ {bE {d{^Þ àH$ma H$s godmE§ àXmZ H$aVm ahm h¡. J«mhH$m| H$mo AË`{YH$ à{VñnYu {d{Z‘` Xa CÕ¥V H$aZo Ho$ {bE ‘w§~B© ‘| ~¢H$ H$m nyam S>rqbJ ê$‘ h¡. {Z`m©VH$m| H$mo ^maVr` énò Ho$ gmW-gmW {dXoer ‘wÐm ‘| {dÎm nmo{fV {H$`m OmVm h¡&

~¢H$ ‘| ApIb ^maVr` ñVa na {dXoer ‘wÐm H$mamo~ma Ho$ gmW ì`mnma. g^r emImE§ EZAmaAmB© ImVm| Ho$ gmW ì`mnma H$aZo Ho$ {bE A{YH¥$V h¢ gr loUr emIm. BgHo$ Abmdm 44 emImE§ ~r Ho$ ê$n ‘| dJuH¥$V h¢ Am¡a g^r {dXoer ‘wÐm go g§~§{YV ì`dgm` H$aZo Ho$ {bE A{YH¥$V h¢. ~¢H$ {Z`m©V, Am`mV, àofU BË`m{X go g§~§{YV J«mhH$m| Ho$ {dXoer Amdí`H$Vm H$mo nyam H$aZo Ho$ {bE Xw{Z`m â ‘| g§nH©$H$Vm© ~¢H$ g§~§Ym| H$mo ^r ~ZmE aIVm h¡&

14. AmpñV JwUdÎmm Am¡a dgybr à~§YZ

~¢qH$J CÚmoJ ‘| ~‹S>r ‘mÌm ‘| pñbnoO hmoZo Ho$ ~mdOyX, df© 2017-18 Ho$ Xm¡amZ ~¢H$ Zo AmpñV JwUdÎmm ~Zmò aIZo Am¡a à^mdr EZ.nr.E. à~§YZ Ho$ {bE gpå‘{bV à`mg {H$E. hmb hr ‘| EZ.nr.E. ‘| JE ImVm| Ho$ CÞ`Z Ho$ {bE {H$ò Jò gpå‘{bV à`mgm| Am¡a ZH$X dgybr Ho$ ’$bñdén EZ.nr.E. à~§YZ ‘| ~¢H$ AÀN>m {ZînmXZ Xem© gH$m. ga’o$gr A{Y{Z`‘ Ho$ VhV, g‘Pm¡Vm {ZnQ>mZ Am¡a n[ag§n{Îm`m| H$s {~H«$s Ho$ ‘mÜ`‘ go dgybr Ho$ n[aUm‘ñdê$n ZH$Xr dgybr Am¡a H$m’$s hX VH$ CÞ`Z hþAm. ~¢H$ Ûmam EZ.nr.E. KQ>mZo Ho$ {bE {H$ò Jò g{H«$` Cnm`m| Ho$ ’$bñdén EZ.nr.E. H$m ñVa Ý`yZV‘ ~ZmE aIm Om gH$m. gH$b EZ.nr.E. ‘mM©, 2018 H$mo 22.04% ahm O~{H$ ‘mM©, 2017 H$mo dh 16.27% Wm.

g‘J« én ‘| ‘mM©, 2018 H$mo gH$b EZ.nr.E. é.16361.44 H$amo‹S> ahm, O~{H$ ‘mM©, 2017 H$mo é.12,618.73 H$amo‹S> Wm.



~¢H$ H$m {Zdb EZ.nr.E. ‘mM©, 2018 H$mo 11.95% ahm, O~{H$ ‘mM©, 2017 H$mo 10.66% Wm. ‘mM©, 2016 Ho$ é.7735.12 H$amo‹S> H$s VwbZm ‘| g‘J« én ‘| ‘mM©, 2017 H$mo {Zdb EZ.nr.E. é.7,838.78 H$amo‹S> ahm.

(é. H$amo‹S> ‘|)

31 ‘mM© 2017 31 ‘mM© 2018gH$b A{J«‘ 77,537.84 74238.58

gH$b EZ.nr.E. 12,618.73 16,361.44

gH$b A{J«‘m| ‘| gH$b EZ.nr.E. 16.27% 22.04%

{Zdb A{J«‘ 72,574.61 65,581.51

{Zdb EZ.nr.E. 7,735.12 7,838.78

{Zdb A{J«‘m| ‘| {Zdb EZ.nr.E. 10.66% 11.95%

àmdYmZ H$daoO AZwnmV ({ddoH$nyU© ~Å>o ImVo g{hV)

50.56% 60.20%

{d{dY H$ma©dmaB`m| Ûmam EZ.nr.E. H$s dgybr na {deof Ü`mZ {X`m J`m {OZ‘| g‘Pm¡Vm {ZnQ>mZ VWm Eg.gr./Ama.gr. H$mo EZ.nr.E. H$s {~H«$s ^r em{‘b h¡. àËòH$ ‘mh dgybr H¢$n Am`mo{OV {H$`m J`m Wm Am¡a à‘wI Ho$ÝÐm| na {Z`{‘V A§Vamb na bmoH$ AXmbV| Am`mo{OV H$s J`t. ZB© EH$‘wñV {ZnQ>mZ `moOZm- é. 5 H$amo‹S> VH$ Ho$ EZnrE Ho$ {ZnQ>mZ Ho$ {bE S>r.Ama.E‘.dmB© `moOZm àma§^ H$s JB©. b§{~V ‘m‘bm| na H$m`©dmhr Ho$ {bE Am¡a Ëd[aV dgybr Ho$ {bE> A{Yd³Vm Ho$ gmW g‘Ýd`Z Ho$ {bE àËòH$ S>r.Ama.Q>r. ‘| ZmoS>b A{YH$mar H$mo {Z`wº$ {H$`m J`m h¡.

~¢H$ Zo é.931.24 H$amo‹S> (é. 1119.87 H$amo‹S> 2016-17) H$s ZH$X dgybr, é.673.40 (é. 755.87 H$amo‹S> 2016-17) H$m CÞ`Z {H$`m. ~Å>o ImVo S>mbo JE ImVm| ‘| dgybr ‘| é.146.60 H$amo‹S> (é.114.70 H$amo‹S> 2016-17) VH$ d¥{Õ hþB© h¡.

~¢H$ Zo 1766 H|$Ðm| ‘| 5 bmoH$ AXmbVm| H$m Am`moOZ {H$`m Wm, Ohm§ 21803 na {dMma {H$`m J`m Wm Am¡a é.30.54 H$amo‹S> Ho$ 3012 ImVm| H$m {ZnQ>mZ {H$`m J`m.

àËòH$ ‘mh ‘| dgybr H¢$nm| H$m Am`moOZ {H$`m J`m. OyZ 2017 go {d{^ÝZ {V{W`m| 10 ~‹S>o dgybr H¢$nm| H$m Am`moOZ {H$`m J`m. dV©‘mZ df© Ho$ Xm¡amZ A§{V‘ dgybr H¢$n ({dËVr` df© 2017-18 Ho$ {bE) {XZm§H$ 20.03.2018 H$mo A§Mbm| H$s g^r emImAm| ‘| Am`mo{OV {H$`m J`m Wm, {Og‘| nyao ~|H$ Ho$ {bE é.607.93 H$amo‹S> H$s dgybr Am¡a CÝZ`Z hþAm Wm. dgybr H¢$nm| ‘| 64873 CYmaH$Vm©Am| Zo {hñgm {b`m {Og‘| é.197.26 H$amo‹S> Ho$ 4741 ImVm| H$m {ZnQ>mZ {H$`m J`m Wm Am¡a é.324.15 H$amo‹S> Ho$ 8343 ImVm| H$m CÝZ`Z hþAm Wm. Eogo dgybr H¢$nm| go é.278.53 H$amo‹S> (~Å>o ImVo S>mbo JE ImVm| ‘| dgybr g{hV) H$s VËH$mb dgybr hþB©.

é.263.54 H$amo‹S> (Eg.Amo.Q>r.Eg. Am¡a S>r.Ama.E‘.dmB©. g{hV) H$s g‘Pm¡Vm am{e Ho$ Hw$b 7100 ImVm| ‘| {ZnQ>mZ na {dMma {H$`m J`m {Og‘| é.143.47 H$amo‹S> H$s dgybr hþB©.

{XZm§H$ 15.02.2018 go à^mdr S>r.Ama.E‘.dmB©. moOZm Ho$ A§VJ©V {XZm§H$ 31 ‘mM© 2018 VH$ é.44.43 H$amo‹S> g‘Pm¡Vm am{e Ho$ 4249 ImVo AZw‘mo{XV Wo Am¡a Hw$b é.32.51 H$amo‹S> H$s ZH$X dgybr hþB© .

15. {d{YH$ godmE§ / Ama. Q>r. AmB©. A{Y{Z`‘…

15.1 ga’o$gr A{Y{Z`‘, 2002 Ho$ A§VJ©V dgybr…

df© 2017-18 Ho$ Xm¡amZ ga’o$gr A{Y{Z`‘ Ho$ A§VJ©V ~¢H$ Zo nmÌ ImVm|

‘| 1591 Zmo{Q>g Omar {H$E, {Og‘| é.1625.86 H$amo‹S> H$s am{e Ho$ em{‘b Wr. Bg df© Ho$ Xm¡amZ ga’o$gr A{Y{Z`‘ Ho$ A§VJ©V é.394.52 H$amo‹S> H$s dgybr hþB©.

15.2 bmoH$ AXmbV Ho$ ‘mÜ`‘ go dgybr…

{d{YH$ godmE§ àm{YH$mar A{Y{Z`‘ Ho$ A§VJ©V J{R>V bmoH$ AXmbV Ho$ ‘mÜ`‘ go {ddmXm| Ho$ erK« g‘mYmZ Am¡a AnZo MyH$H$Vm©Am| go dgybr H$aZo Ho$ {bE ~¢H$ A{YH$V‘ bmoH$ AXmbVm| H$s ì`dñWm H$aZo Ho$ {bE à`mg H$aVm h¡. df© Ho$ Xm¡amZ ~¢H$ A{YH$V‘ bmoH$ AXmbVm| H$s ì`dñWm H$aZo Am¡a Cg‘| mJ boZo H$m à`mg H$aVm h¡. 21803 ImVm| na {dMma {H$`m J`m Am¡a é.30.54 H$amo‹S> Ho$ 3012 ImVm| H$m {ZnQ>mZ {H$`m J`m.

15.3 F$U dgybr àm{YH$aU / {g{db Ý`m`mb` ‘| dmX Xmà H$aHo$ dgybr…

31.3.2018 H$mo {d{^Þ S>r.Ama.Q>r./ {g{db Ý`m`mb`m| ‘| ~¢H$ Ho$ 2520 dmX Xmà ImVo Wo {OZ‘| é.7753.62 H$amo‹S> H$s aH$‘ em{‘b Wr Am¡a {d{^Þ S>r.Ama.Q>r./{g{db Ý`m`mb`m| ‘| 1166 {S>H«$sH¥$V ImVo Wo {OZ‘| é.1548.58 H$amo‹S> H$s aH$‘ em{‘b Wr. {XZm§H$ 31 ‘mM© 2018 H$mo g‘mßV df© Ho$ Xm¡amZ ~¢H$ Zo S>r.Ama.Q>r. Ho$ ‘mÜ`‘ go Amo.E. / Ama.gr. ‘| é.63.15 H$amo‹S> H$s dgybr H$s.

15.4 EZ.gr.Eb.Q>r. ‘m‘bo…

AmB©.~r.gr. 2016 Ho$ A§VJ©V 12 ImVm| ‘| H$ma©dmB© Ho$ {bE ^maVr` [aµOd© ~¢H$ Ho$ {ZXoem| Ho$ AZwgma ~¢H$ Ho$ nmg 9 ImVm|, AbmoH$ B²§S>ñQ´rO (é.615.26 H$amo‹S>), ^yfU ñQ>rb {b{‘Q>oS> (é.486.50 H$amo‹S>), ^yfU nm°da Am¡a ñQ>rb {b{‘Q>oS> (é.402.56 H$amo‹S>), b¢H$mo BÝ’«$mQ>oH$ {b{‘Q>oS> (é.282.84 H$amo‹S>), ‘moÝZoQ> B©ñnmV Am¡a EZOu {b{‘Q>oS> (é.310.87 H$amo‹S>), E~rOr ern`mS©> {b{‘Q>oS> (é.261.11H$amo‹S>), Á`mo{V ñQ´ŠMa {b{‘Q>oS> (é.200.00 H$amo‹S>), BboŠQ´moñQ>rb B§Q>rJ«oQ>oS> {b{‘Q>oS> (é.116.45 H$amo‹S>) Am¡a E‘Q>oH$ Am°Q>mo {b{‘Q>oS> (é.65.30 H$amo‹S>), ‘| é.2740.89 H$amo‹S> H$m EŠgnmoµOa h¡. ~¢H$ Zo Xmdm Xmà {H$`m h¡ Am¡a g^r ImVm| ‘| g‘mYZ à{H«$`m ewê$ H$s JB© h¡. 9 ImVm| ‘| go, 6 ImVm| ‘| A§{V‘ g‘mYZ `moOZm (gh‘{V / Ag§Vmof) H$mo h‘mao ~¢H$ Ûmam AZw‘mo{XV {H$`m J`m Wm.

AmB©.~r.gr. 2016 Ho$ A§VJ©V Xygao bm°Q> ‘| H$ma©dmB© Ho$ {bE ^maVr` [aµOd© ~¢H$ Ho$ {ZXoem| Ho$ AZwgma, ~¢H$ Ho$ nmg é.1895.45 H$amo‹S> Ho$ 12 ImVm| ‘| EŠgnmoOa h¡. E{e`Z H$ba H$moQ>oS> BñnmV {b{‘Q>oS>, (é.190.51 H$amo‹S>), Eñgma àmoOoŠQ²g (B§{S>`m) {b{‘Q>oS> (é.230.59 H$amo‹S>), ‘moZoQ> nmda H§$nZr {b{‘Q>oS> (é.8.67 H$amo‹S>), éMr gmo`m B§S>ñQ´rO {b{‘Q>oS> (é.188.91 H$amo‹S>), EgB©Eb ‘¡Ý`w’¡$ŠM[a¨J H§$nZr {b{‘Q>oS> (é.113.37 H$amo‹S> ), Q´m§gñQ´m` (B§{S>`m) {b{‘Q>oS> (é.199.30 H$amo‹S>), `y{ZQ>r B§’«$m àmoOoŠQ²g {b{‘Q>oS> (é.55.53 H$amo‹S>), CeXod B§Q>aZoeZb {b{‘Q>oS> (é.181.23 H$amo‹S>), CÎm‘ Jbdm ‘oQ>{bŠg {b{‘Q>oS> (é.92.06 H$amo‹S>), dr{S>`moH$m°Z B§S>ñQ´rO {b{‘Q>oS> (é.514.40 H$amo‹S>) , dr{S>`moH$m°Z Xyag§Mma {b{‘Q>oS> (é.37.98 H$amo‹S>), drOm ñQ>rb {b{‘Q>oS> (é.82.90 H$amo‹S>). AJ«Ur ~¢H$ Zo EZ.gr.Eb.Q>r. ‘| g^r ImVm| ‘| AmdoXZ {X`m h¡.

12 ‘m‘bm| ‘§o go, Xmo ‘m‘bo AWm©V éMr gmo¶m B§S>ñQ´>rO {b{‘Q>oS> Am¡a ‘moZoQ> nmda H§$. {b. H$mo EZ.gr.Eb.Q>r. Ûmam ñdrH¥$V H$a {b¶m J¶m Wm, ¶y{ZQ>r B§’«$m àmoOo³Q²>g {b. Ho$ ImVo ‘| {Xdm{b¶mnZ à{H«$¶m ewê$ hmo MwH$s h¡ Am¡a {g.Amo.gr. Zo n[ag‘mnZ AmdoXZ Xm¶a H$aZo H$m ’¡$gbm {H$¶m Wm Am¡a 20.03.2018 H$mo Xm¶a {H$¶m J¶m Wm&



maVr` [aµOd© ~¢H$ Ûmam AmB©.~r.gr. Ho$ A§VJ©V H$ma©dmB© Ho$ {bE {M{•Vnhbo Am¡a Xygao bm°Q> Ho$ ImVm| Ho$ A{V[aŠV n[aMmbZ boZXmam| / {dÎmr` boZXmam| Am¡a H$m°nm}aoQ> XoZXma / AJ«Ur ~¢H$ Zo 24 ‘m‘bm| ‘| EZ.gr.Eb.Q>r. ‘| AmdoXZ {X`m h¡ Ohm§ AnZo ~¢H$ H$m Xo` é.1524.10 H$amo‹S> h¡ Am¡a ~¢H$ Zo AmB©Amanr ‘| AnZm Xmdm Xmà {H$`m h¡.

15.5 gyMZm H$m A{YH$ma A{Y{Z`‘

A§Mbm| ‘| Cn ‘hmà~§YH$ Ho$ A§Mb à~§YH$ hmoZo na, Cn A§Mb à~§YH$ Ho$ÝÐr` bmoH$ gyMZm A{YH$mar (gr.nr.AmB©.Amo.) Am¡a A§Mb à~§YH$ àW‘ Anrbr` àm{YH$mar h¡.

A§Mbm| ‘| ghm`H$ ‘hmà~§YH$ Ho$ A§Mb à~§YH$ hmoZo na, A§Mb à~§YH$ gr.nr.AmB©.Amo. h¢ VWm joÌ ‘hmà~§YH$ àW‘ Anrbr¶ àm{YH$mar h¢.

Cn ‘hmà~§YH$ (Ama.E‘.Eb.), àYmZ H$m`m©b`, àYmZ H$m`m©b`m| Ho$ {d^mJm| Am¡a àYmZ H$m`m©b` H$mo [anmoQ>© H$aZo dmbr emImAm|/H$m`m©b`m| Ho$ {bE gr.nr.AmB©.Amo. h¢. Eoogo ‘m‘bm| ‘| ‘hmà~§YH$ (Ama.E‘.Eb.) àW‘ Anrbr` A{YH$mar h¢.

gr.nr.AmB©.Amo. Am¡a ~¢H$ Ho$ A§Mb H$m`m©b`m| VWm àYmZ H$m`m©b` Ho$ àW‘ Anrbr¶ A{YH$m[a`m| go g§~§{YV OmZH$mar ~¢H$ H$s do~gmBQ> na {d{YdV AnbmoS> H$s JB© h¡.

{dÎmr` df© 2017-18 ‘|, ~¢H$ Zo Hw$b 1378 AmdoXZm| ‘| go 1356 Am-doXZm| H$m {ZnQ>mZ ({nN>bo df© go AmJo bmE JE AmdoXZ g{hV) Ama.Q>r.AmB©. A{Y{Z`‘ Ho$ AZwgma H$a {X`m h¡. àW‘ Anrb A{YH$mar Zo Hw$b 234 Anrbm| ‘| go 233 Anrbm| H$m {ZnQ>mZ ({nN>bo df© go AmJo bmE JE Anrb g{hV) Ama.Q>r.AmB©. A{Y{Z`‘ Ho$ AZwgma H$a {X`m h¡.

16 gaH$mar H$mamo~ma

16.1 àË`j H$a g§J«hU

~¢H$ H$mo ApIb ^maVr` ñVa na 219 emImAm| ‘| ^m¡{VH$ én ‘| Am`H$a, H$mnm}aoeZ H$a, gån{V H$a, Cnhma H$a, hmoQ>b àm{á`m| H$m H$a, g§nXm ewëH$, Am{X g§J«hrV H$aZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡.

~¢H$ B©-^wJVmZ Ho$ ‘mÜ`‘ go ^r àË`j H$a Ho$ g§J«hU Ho$ {bE àm{YH¥$V h¡ {OgHo$ {bE ‘w§~B© ‘w»` H$m`m©b` emIm, ‘w§~B© B©-’$moH$b nm°B©ÝQ> emIm h¡. Am°ZbmB©Z B©-^wJVmZ Ho$ ‘mÜ`‘ go àË`j H$a g§J«{hV H$aZo Ho$ {bE g^r emImE§ àm{YH¥$V h¡.

16.2 AàË`j H$a g§J«hU

maV gaH$ma Zo {XZm§H$ 01.07.2017 go CËnmX ewëH$ Am¡a godm H$am| H$s OJh OrEgQ>r bmJy {H$`m. h‘mam ~¢H$ OrEgQ>r Ho$ g§J«h Ho$ {bE àm{YH¥$V h¡. g^r emImE§ H$mC§Q>a na Am¡a Am°ZbmBZ B©-^wJVmZ Ho$ ‘mÜ`‘ go OrEgQ>r Ho$ g§J«h Ho$ {bE àm{YH¥$V h¢. eoà ~mOma emIm, ‘w§~B© OrEgQ>r Ho$ {bE H|$Ð{~ÝXw emIm h¡.

~¢H$ H$mo ^m¡{VH$ Am¡a B©-‘moS> XmoZm| Ho$ ‘mÜ`‘ go gr‘mewëH$ Ho$ g§J«h Ho$ {bE ^r àm{YH¥$V {H$`m J`m h¡. amO|Ð ßbog, ZB© {X„r gr‘mewëH$ g§J«hU Ho$ {bE H|$Ð{~ÝXw emIm h¡.

16.3 amÁ` gaH$ma Ho$ amOñd H$m g§J«hU

1. ~¢H$ 10 amÁ`m| Am¡a 2 H|$Ð em{gV àXoem| ‘| {d{^Þ amÁ` gaH$ma H$am| Ho$ B©-^wJVmZ H$s gw{dYm ^r àXmZ H$aVm h¡.

2. ~¢H$ ‘hmamï´> amÁ` ‘| dÀ`w©Ab QóOar n[a`moOZm (gaH$mar àm{á`m± Am¡a boIm

àUmbr- Or.Ama.E.Eg.) H$m gXñ` h¡. ~¢H$ amÁ` gaH$ma Ho$ amOñd Ho$ g^r àH$ma Ho$ g§J«hU O¡go {H$ ‘moQ>a dmhZ H$a, g‹S>H$ H$a, ñQ>m§n ewëH$ Am{X Ho$ {bE àm{YH¥$V h¡.

3. ~¢H$ amÁ` gaH$ma H$s 26 àH$ma H$s amOñd ‘Xm| Ho$ g§J«hU Ho$ {bE JwOamV amÁ` ‘| gmB~a QóOar àUmbr n[a`moOZm H$m gXñ` h¡. XoZm ~¢H$ JwOamV amÁ` ‘| ^yJû` Am¡a IZZ H$a (Or.E‘.Q>r.) Ho$ B©-^wJVmZ H$s gw{dYm àXmZ H$aZo dmbm àW‘ ~¢H$ h¡.

16.4 n|eZ H$m ^wJVmZ

~¢H$ Zo ‘w§~B© ‘| Ho$Ðr` n|eZ àmogoqgJ g|Q>a (gr.nr.nr.gr.) ñWm{nV {H$`m h¡, {OgHo$ ‘mÜ`‘ go H|$Ð gaH$ma VWm amÁ` gaH$mam| Ho$ godm{Zd¥Îm H$‘©Mm[a`m| H$s n|eZ grYo hr O‘m H$s Om ahr h¡. Bg gw{dYm go Z Ho$db godm{Zd¥Îm H$‘©Mm[a`m| H$mo hr {Za§Va n|eZ H$m bm^ àmá hþAm h¡, ~pëH$ Bggo emIm H$m H$m`©^ma ^r H$m’$s H$‘ hmo J`m h¡. H|$Ð gaH$ma Ho$ godm{Zd¥Îm H$‘©Mm[a`m| (gr.E.nr.Amo., aobdo Am¡a ajm {d^mJ Ho$ godm{Zd¥Îm H$‘©Mm[a`m| ) Ho$ {bE B©-nr.nr.Amo. AnbmoS> H$aZm H$m`m©Ýd`Z Ho$ AYrZ h¡.

16.5 amï´>r` n|eZ `moOZm (EZ.nr.Eg.):

~¢H$, n|eZ ’§$S> {d{Z`m‘H$ VWm {dH$mg àm{YH$aU (nr.E’$.Ama.S>r.E.) Ho$ gmW amï´>r` n|eZ `moOZm bmJy H$aZo Ho$ {bE EH$ CnpñW{V ñWmZ (nr.Amo.nr.) Ho$ ê$n ‘| h¡.

16.6 AQ>b n|eZ `moOZm…

~¢H$, n|eZ ’§$S> {d{Z`m‘H$ VWm {dH$mg àm{YH$aU (nr.E’$.Ama.S>r.E.) Ho$ gmW AQ>b n|eZ `moOZm bmJy H$aZo Ho$ {bE ^r EH$ CnpñW{V ñWmZ (nr.Amo.nr.) Ho$ ê$n ‘| h¡. {XZm§H$ 31.03.2018 VH$ ~¢H$ Zo 117000 E.nr.dmB©. J«mhH$m| H$mo J«mhH$ ~Zm`m h¡.

16.7 gm°daoZ JmoëS> ~mÊS>

maVr` [aOd© ~¢H$ Zo maV gaH$ma Ho$ {Xem-{ZX}em| Ho$ AZwgma gm°daoZ JmoëS> ~mÊS> (Eg.Or.~r.) H$s IarX Ho$ {bE {d{^ÝZ l¥§IbmAm| H$mo Omar {H$`m h¡. J«mhH$m| H$s gw{dYm Ho$ {bE, ~¢H$ Zo B§Q>aZoQ> ~¢qH$J Ho$ ‘mÜ`‘ go Eg.Or.~r. Ho$ {bE Am°ZbmB©Z {Zdoe gw{dYm H$m`m©pÝdV {H$`m h¡

16.8 gaH$mar O‘m `moOZm

h‘mao ~¢H$ H$s g^r emImE§ A~ ^maV gaH$ma Ho$ ~m°ÝS> `moOZmAm| Ho$ ~m°ÝS>, nr.nr.E’$, Eg.gr.Eg.Eg Am¡a Eg.Eg.E `moOZmAm| Ho$ A§VJ©V O‘m ñdrH$ma H$aZo Ho$ {bE àm{YH¥$V h¢. J«mhH$ ImVm Imob gH$Vo h¢ Am¡a ~¢H$ H$s g^r emImAm| ‘| O‘m H$a gH$Vo h¢. Am°ZbmBZ O‘m gw{dYm ^r {dH$mg Ho$ AYrZ h¡.

16.9 gaH$mar H$mamo~ma Ho$ {bE gm°âQ>doà (gaH$mar H$mamo~ma ‘m°S>çyb - Or.~r.E‘.)

~¢H$ Ho$ nmg gaH$mar H$mamo~ma Ho$ g^r {H«$`mH$bmnm| `Wm àË`j H$a Am¡a AàË`j H$a H$m g§J«hU, nr.nr.E’$. ImVo H$m aIaImd, ‘§Ìmb` Am¡a amÁ` QóOar Ho$ ImVm| H$m aIaImd, n|eZ ^wJVmZ Am{X Ho$ {bE EßbrHo$eZ gm°âQ>doà h¡, `h EßbrHo$eZ gm°âQ>doà H$moa ~¢qH$J g{hV B§Q>a’o$O {H$`m J`m h¡ Am¡a g^r emImAm| ‘| H$m`m©pÝdV {H$`m J`m h¡.

16.10 ZB© nhb

~¢H$ AnZo J«mhH$m| Ho$ {bE {ZåZ{bpIV gw{dYmAm| H$m {dH$mg H$a ahm h¡ Omo à{H«$`mYrZ h¡:



1. nr.nr.E’$., Eg.gr.Eg.Eg. Am¡a Eg.Eg.E. ImVo Am°ZbmBZ ImobZm Am¡a aIaImd.

2. g^r à‘wI amÁ`m| ‘| amÁ` gaH$ma H$am| H$m ^wJVmZ.

3. B©-Eg.~r.Q>r.Ama. H$s gw{dYm H$m àmdYmZ.

4. {H$gmZ {dH$mg nÌ (Ho$.dr.nr.) H$m H$m`m©Ýd`Z.

Or.~r.E‘. Ho$ H$m`m©Ýd`Z Am¡a AÝ` ZB© nhbm| go emImAm| ‘| H$m‘ H$m ~moP H$‘ hmoZo go Z Ho$db h‘mao J«mhH$m| H$mo ~ohVa ~¢qH$J AZw^d XoVm h¡, ~pëH$ Bggo emImAm| H$s CËnmXH$Vm ^r ~‹T>Vr h¡. Bggo ~¢H$ Ho$ J¡a- ã`mO Am` ~‹T>mZo ‘| ^r ghm`Vm {‘bVr h¡.

H$‘©Mm[a`m| ‘| OmJê$H$Vm bmZo VWm J«mhH$m| H$mo C{MV godm Am¡a ‘mJ©Xe©Z Ho$ {bE CÝh| àmoËgm{hV hoVw ~¢H$ Ûmam gaH$mar H$mamo~ma, EZ.nr.Eg. Am¡a E.nr.dmB©. Am¡a AÝ` `moOZmAm| Ho$ {bE H$m`©embmAm| Am¡a {d{^Þ à{ejU H$m`©H«$‘m| H$m {Z`{‘V én ‘| Am`moOZ {H$`m Om ahm h¢.

17. ~¢H$ ~r‘m {d^mJ

‘yë`dY©Z Ho$ ê$n ‘| AnZo J«mhH$m| H$mo ~r‘m Am¡a {Zdoe CËnmXm| H$s {dñV¥V l¥§Ibm àXmZ H$aZo Am¡a AnZr J¡a-ã`mO Am` ‘| d¥{Õ Ho$ {bE ~¢H$, ~r‘m CËnmXm| Ho$ {dVaU H$mamo~ma ‘| àdoe {H$`m h¡.

~¢H$ Zo Anmobmo å`y{ZM ñdmñÏ` ~r‘m H§$. {b. Ho$ gmW ñdmñÏ` ~r‘m H$mamo~ma Am¡a gmYmaU ~r‘m CËnmXm| Ho$ {bE `yZmBQ>oS> B§{S>`m B§í`moa|g H§$. {b. (`y.AmB©.AmB©.gr.) Ed§ Mmobm E‘.Eg. OZab B§í`moa|g H§$nZr (Mmobm E‘.Eg.) VWm OrdZ ~r‘m H$mamo~ma Ho$ {bE ^maVr` OrdZ ~r‘m {ZJ‘ (Eb.AmB©.gr.) Ho$ gmW H$m°nm}aoQ> EO|gr ì`dñWm ‘| àdoe {H$`m h¡.

~¢H$ Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ ~¢H$ ~r‘m go é.11.09 H$amo‹S> (nr.E‘.Oo.Oo.~r.dmB©. Am¡a nr.E‘.Eg.~r.dmB©. Ho$ {bE àemg{ZH$ ì`` H$s à{Vny{V© g{hV) H$s Hw$b Am` A{O©V H$s h¡.

17.1 OrdZ ~r‘m H$mamo~ma

J«mhH$m| H$s OrdZ ~r‘m Amdí`H$VmE§ nyar H$aZo Ho$ {bE ^maVr` OrdZ ~r‘m {ZJ‘ Ho$ gmW ~¢H$ H$s H$mnm}aoQ> JR>~§YZ ì`dñWm h¡.

~¢H$ Zo {dÎmr` df© 2017-18 Ho$ Xm¡amZ é.51.42 H$amo‹S> H$m àr{‘`‘ g§J«{hV {H$`m. df© Ho$ Xm¡amZ ^maVr` OrdZ ~r‘m {ZJ‘ Zo XoZm ~¢H$ Ho$ 6 A§Mbm| H$mo ~r‘m A§Mb Am¡a 100 emImAm| H$mo ~r‘m ~¢H$ emImAm| Ho$ én ‘| Kmo{fV {H$`m. {dÎm df© 2017-18 Ho$ Xm¡amZ ~¢H$ Zo OrdZ ~r‘m H$mamo~ma go é.2.33 H$amo‹S> H$m H$‘reZ A{O©V {H$`m.

17.2 gmYmaU ~r‘m H$mamo~ma

~¢H$ H$m `yZmBQ>oS> B§{S>`m B§í`moa|g H§$. {b. (`y.AmB©.AmB©.gr.) Ed§ Mmobm E‘.Eg. OZab B§í`moa|g H§$nZr (Mmobm E‘.Eg.) Ho$ gmW H$m°nm}aoQ> EO|gr ì`dñWm h¡.

v `yZmBQ>oS> B§{S>`m B§í`moa|g H§$. {b. (`y.AmB©.AmB©.gr):

v {dÎmr` df© 2017-18 ‘| `yAmB©AmB©gr go JR>Omo‹S> ì`dñWm Ho$ A§VJ©V ~¢H$ Zo ê$.2.50 H$amo‹S> H$s H$‘reZ Am` Ho$ gmW ê$.19.22 H$amo‹S> H$m Hw$b àr{‘`‘ am{e àmßV {H$`m.

v Mmobm E‘.Eg. OZab B§í`moa|g H§$nZr (Mmobm E‘.Eg.)

{dÎmr` df© 2017-18 ‘| Mmobm E‘.Eg. go JR>Omo‹S> ì`dñWm Ho$ A§VJ©V ~¢H$ Zo ê$.2.25 H$amo‹S> H$s H$‘reZ Am` Ho$ gmW ê$.16.89 H$amo‹S> H$m Hw$b

àr{‘`‘ am{e àmßV {H$`m.

17.3 ñdmñÏ` ~r‘m H$mamo~ma

~¢H$ H$m ñdmñÏ` ~r‘m H$mamo~ma Ho$ {bE Anmobmo å`y{ZM hoëW B§í`moa|g H§$nZr {b{‘Q>oS> Ho$ gmW H$m°nm}aoQ> EO|gr g‘Pm¡Vm h¡.

v Anmobmo å`y{ZI ñdmñÏ` ~r‘m H§$nZr {b{‘Q>oS>

{dÎmr` df© 2017-18 ‘| Anmobmo å`y{ZM hoëW B§í`moa|g H§$nZr go JR>Omo‹S> ì`dñWm Ho$ A§VJ©V ê$.1.61 H$amo‹S> H$s H$‘reZ Am` Ho$ gmW ê$.10.68 H$amo‹S> H$m Hw$b àr{‘`‘ am{e àmßV hþAm.

v 17.4 å`yMwAb ’§$S> H$mamo~ma:

v ~¢H$ Zo å`yMwAb ’§$S> {~OZog Ho$ {dVaU Ho$ {bE g^r à‘wI E.E‘.gr. Ho$ gmW g‘Pm¡Vm {H$`m h¡ Am¡a {dÎm df© 2017-18 Ho$ Xm¡amZ H$‘reZ Am` ê$.0.26 H$amo‹S> àmá {H$`m h¡.

18. ny§Or ~mOma godmE§

~¢H$ EZ.Eg.S>r.Eb. Ho$ gmW {S>nm°{OQ>ar gh^mJr h¡ Am¡a df© 1998 go AnZo J«mhH$m| H$mo ny§Or ~mOma emIm Am¡a {d{^ÝZ Ho$ÝÐm| ‘| pñWV 91 emI-mAm| go {S>nm°{OQ>ar godmE§ àXmZ H$a ahm h¡.

~¢H$ AnZo J«mhH$m| Ho$ {bE g^r emImAm| Ho$ ‘mÜ`‘ go E.Eg.~r.E. gw{dYm àXmZ H$a ahm h¡. {’$ZoH$b àUmbr ‘| qgS>rHo$Q> E.Eg.~r.E. AmdoXZ gwYma Am¡a gË`mnZ Ho$ {bE 14 emImE§ àm{YH¥$V h¢. qgS>rHo$Q> E.Eg.~r.E. godmE§ àXmZ H$aZo dmbr emImAm| H$s gyMr ~¢H$ H$s do~gmB©Q> na CnbãY h¡.

19. Am` Am¡a ì``

19.1 Am`

~¢H$ H$s Hw$b Am` 31 ‘mM© 2017 H$mo g‘má df© Ho$ {bE é.11,433.06 H$amo‹S> Ho$ ñVa go H$‘ hmoH$a 31 ‘mM©, 2018 H$mo g‘má df© Ho$ {bE é.10095.75 H$amo‹S> ahm. {OgHo$ n[aUm‘ñdén {Zdb H$‘r é.1337.31 H$amo‹S> ahr Omo 11.70% H$r H$‘r Xem©Vr h¡.

19.2 ì``

{nN>bo df© H$s VwbZm ‘| df© Ho$ Xm¡amZ Hw$b ì`` ‘| 11.13% H$s H$‘r hþB©.

19.3 bm^àXVm {dûcofU

{dJV ~f© Ho$ Xm¡amZ ~¢H$ H$s {Zdb ã`mOJV Am` (EZ.AmB©.AmB©.) {nN>bo df© H$s é.2,408.36 H$amo‹S> H$s VwbZm ‘| Bg df© é.2,475.82 H$amo‹S> hmo JB©.

19.4 n[aMmbZJV bm^

{nN>bo df© Ho$ Xm¡amZ àmá {H$E JE é.1,390.21 H$amo‹S> H$s VwbZm ‘| ~¢H$ Ho$ Bg df© H$m n[aMmbZJV bm^ 15.67% go KQ>H$a é.1171.61 H$amo‹S> hmo J`m.

19.5 {Zdb bm^

~¢H$ H$mo {dËVr` df© 2016-17 Ho$ é.863.63 H$amo‹S> {Zdb hm{Z H$s VwbZm ‘| {dËVr` df© 2017-18 ‘| é.1923.15 H$amo‹S> H$s {Zdb hm{Z hþB© h¡.

Am`, ì`` VWm àmdYmZm| Ed§ AmH$pñ‘H$VmAm| H$s {nN>bo df© go VwbZmË‘H$ pñW{V ZrMo Xr JB© h¡ :



(é. H$amo‹S> ‘|)

{ddaU 2017-18 2016-17ã`mO Am` 8,932.23 10,181.67

J¡a ã`mO Am` 1,163.52 1251.39

Hw$b Am` 10,095.75 11,433.06

ã`mO ì`` 6,456.41 7,773.31

n[aMmbZJV ì`` 2,468.18 2,269.54

Hw$b ì`` 8,924.59 10,042.85

n[aMmbZJV bm^ 1,171.16 1,390.21

àmdYmZ Am¡a AmH$pñ‘H$VmE§ 3,094.31 2,253.84

{Zdb bm^ (1,923.15) (863.63)

20. {dnUZ Am¡a àMma nhb

df© 2017-18 Ho$ Xm¡amZ àog, BboŠQ´m°{ZH$ Am¡a AmCQ>S>moa ‘r{S>`m Ho$ ‘mÜ`‘ go AÝ` ‘hËdnyU© CËnmXm| Am¡a H$ma F$U VWm Amdmg F$U `moOZmAm| na {deof Ü`mZ Ho$ gmW h‘mao ~¢H$ Ho$ {S>{OQ>b ~¢qH$J g‘mYmZ H$mo ì`mnH$ ê$n go àMm[aV H$aZo Am¡a ~‹T>mdm XoZo Ho$ {bE Omoa {X`m J`m.

~¢H$ Ho$ ~«m§S> N>{d ~ZmZo Ho$ {bE df© Ho$ Xm¡amZ AJ«Ur g‘mMma nÌm| ‘| n¡Z B§{S>`m {dkmnZ Omar {H$E JE Wo Am¡a Amdmg F$U Am¡a H$ma F$U na {deof Ü`mZ XoZo Ho$ gmW-gmW {deof ê$n go A{^`mZ Ad{Y Ho$ Xm¡amZ {d{^Þ IwXam ~¢qH$J CËnmXm| H$mo ~‹T>mdm XoZo Ho$ {bE ^r Omar {H$E JE Wo.

AmB©~rE go àmá {Xem{ZX}em| Ho$ AZwgma, àMma {d^mJ Zo nr.E‘.Eb.E. A{YgyMZmAm| Ho$ AZwgma ~¢H$ ImVm| ‘| AmYma H$mS©> Am¡a n¡Z H$mS©> H$mo Omo‹S>Zo Ho$ {bE J«mhH$m| H$mo gy{MV H$aVo hþE à‘wI g‘mMma nÌm| ‘| n¡Z B§{S>`m AmYma na AmYma grqS>J Am¡a à‘mUrH$aU {dkmnZ Omar {H$`m h¡.

~¢H$ Zo Ah‘Xm~mX ‘| haŠ`y{bg Adm°S²g© ’§$ŠeZ, am`nwa ‘| ñ‘mQ>© {gQ>r {eIa gå‘obZ Am¡a h[a`mUm Ho$ ‘mZoga ‘| EZ.Eg.Or. H$‘m§S>mo M¡b|O ‘¡amWZ O¡go ~‹S>o H$m`©H«$‘m| ‘| AnZr ~«m§S> CnpñW{V XO© H$s.

{S>{OQ>b nR>embm na Q>rdrgr Ho$ A{V[aŠV h‘mao ~«m§S> pñW{V H$mo ~ZmE aIZo Ho$ {bE J¥h Am¡a dmhZ F$U na {dkmnZ Omar {H$E JE. ñdV§ÌVm {Xdg, Zdam{Ì Am¡a {Xdmbr Ë`mohmam| Ho$ Adga na AJ«Ur Q>rdr M¡Zbm| ‘| n¡Z B§{S>`m AmYma na Q>rdr {dkmnZ Omar {H$E JE Wo. ~¢H$ Zo {S>{OQ>b nmR>embm Q>rdrgr Ho$ ‘mÜ`‘ go ~¢H$ Ho$ {S>{OQ>b CËnmXm| H$m Cn`moJ H$aZo Ho$ VarHo$ Ho$ ~mao ‘| OmJê$H$Vm ’¡$bmZo Am¡a J«mhH$m| H$mo {e{jV H$aZo Ho$ {bE Q>rdrgr {dkmnZm| H$m Hw$ebVm go Cn`moJ {H$`m. ~¢H$ Zo {S>{OQ>b CËnmXm| na J«mhH$m| H$mo ~‹T>mdm XoZo Am¡a {e{jV H$aZo Ho$ {bE ao{S>`mo M¡Zbm| H$m ^r Cn`moJ {H$`m h¡.

n¡Z B§{S>`m ñVa na h‘mao A§Mb H$m`m©b`m| Ûmam Q>rà II Ed§ Q>rà III eham| ‘| hmo{Sª>J Ed§ ½bmogmBZ ~moS©> na {dkmnZ Ho$ ‘mÜ`‘ go ~¢H$ H$m àMma {H$`m J`m. Bg gmb ~¢H$ Zo CnZJar` aobJm{‹S>`m| Ho$ A§Xa {S>ñßbo n¡Zbm| na AnZo {d{^Þ {dkmnZ ^r àX{e©V {H$E h¢. gr.Eg.E‘.Q>r aobdo ñQ>oeZ, ‘w§~B© Am¡a ‘w§~B© CnZJam| ‘| {d{^Þ ~g Aml`m| na hmo{Sª>½g H$mo ^r {H$amE na {b`m J`m Wm. {dkmnZ {ZOr AZw~§Y ~gm| na ^r àX{e©V {H$E JE Wo Omo ‘w§~B© Am¡a BgHo$ CnZJar` joÌm| Ho$ ~rM MbVr h¢, Omo h‘mao ~¢H$ CËnmXm| Ho$ ì`mnH$ àMma Am¡a ~«m§S> N>{d gwYmaZo ‘| ‘XX H$aVo h¢.

df© Ho$ Xm¡amZ, ~¢H$ Zo {d{^Þ gm‘m{OH$ / gm§ñH¥${VH$ H$m`©H«$‘m| ‘| ^r ^mJ {b`m Am¡a AÀN>o àMma Am¡a bm^ àmá {H$`m. ~¢H$ Zo H$mobH$mVm ZmBQ> nmobmo

M¢{n`Z{en, ~ßnr bhar ZmBQ>, lo`m Kmofmb H$m°ÝgQ>©, {d{^Þ H$~È>r Am¡a Q>o~b Q>o{Zg Qy>Zm©‘|Q> O¡go {d{^Þ H$m`©H«$‘m|, JUn{V Am¡a XwJm© nyOm g‘mamoh Ho$ Xm¡amZ nm§S>bm| ‘| ~¡Za àX{e©V H$a, Ah‘Xm~mX ‘| Zdam{Ì ‘hmoËgd ‘| {‘M© am°H$ Am¡a T>mob Bd|Q> H$mo àm`mo{OV H$aHo$ AÀN>m àMma àmá {H$`m.

~¢H$ Zo ‘w§~B© ‘| Q>mQ>m Am¡a gr‘m ewëH$ {d^mJ Ûmam Am`mo{OV ‘¡amWZ ‘| ^r ^mJ {b`m, {OgZo ~¢H$ H$s ~«m§S> N>{d ‘| gwYma H$aZo ‘| ‘XX H$s.

21. OmopI‘ à~§YZ

21.1 ~¢H$ Zo g§aMZm~Õ OmopI‘ à~§YZ àUmbr Am¡a à^mdr T>m§Mm ñWm{nV {H$`m h¡, {Og na g‘o{H$V OmopI‘ à~§YZ H$s {ZXoeH$ g{‘{V Ûmam {ZJamZr aIr OmVr h¡. AmpñV Xo`Vm (AmëH$mo), gmI OmopI‘ à~§YZ (gr.Ama.E‘.gr.) Ed§ n[aMmbZJV OmopI‘ à~§YZ (Amo.Ama.E‘.gr.) Am¡a ~mOma OmopI‘ à~§YZ g{‘{V (E‘.Ama.E‘.gr.) na à~§YZ ñVar` g{‘{V`m§ Ho$ÐrH¥$V OmopI‘ à~§YZ àUmbr Ho$ ‘w»` A§J h¢. OmopI‘ à~§YZ {d^mJ, OmopI‘ à~§YZ Ho$ {d{^Þ H$m`©àUm{b`m| na H$ma©dmB© H$aVm h¡ Am¡a à~§YZ [anmoQ>© àñVwV H$aVm h¡. OmopI‘ joÌm| Am¡a OmopI‘ à~§YZ H$m`©àUm{b`m| na Ü`mZ XoZo Ho$ {bE A§Mb H$m`m©b`m| ‘| OmopI‘ à~§YH$m| H$mo nXñWm{nV {H$`m J`m h¡. OmopI‘ à~§YZ H$m`©àUm{b`m| na OmopI‘ à~§YH$m| H$mo {Z`{‘V ê$n go AÚVZ OmZH$mar Am¡a à{ejU {X`m OmVm h¡.

21.2 ~¢H$ maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem|, n[aMmbZJV n[apñW{V`m| ‘| n[adV©Z VWm F$U Am¡a ~mOma OmopI‘m| H$mo à^mdH$mar VarHo$ go ì`dpñWV H$aZo H$s Ñ{ï> go OmopI‘ g§~§{YV AnZr Zr{V`m| H$mo dm{f©H$ AmYma na g§emo{YV Am¡a AÚVZ ~Zm ahm h¡.

21.3 dr.E.Ama, X~md narjU Am{X Ho$ ‘mÜ`‘ go ~mOma OmopI‘ H$s à^mdr {ZJamZr Ho$ {bE ~¢H$ Ho$ {‘S> Am°{’$g Ho$ {H«$`mH$bmnm| H$mo A{YH$ ì`mnH$ AmYma na ~Zm`m J`m h¡.

21.4 ~¢H$ Ho$ nmg {ZXoeH$ ‘§S>b Ûmam {d{YdV AZw‘mo{XV gmI aoqQ>J Zr{V h¡. ~¢H$ Zo, gmI OmopI‘ Ho$ ES>dm§g EàmoM ‘| OmZo Ho$ {bE Ed§ A{YH$ d¡km{ZH$ OmopI‘ aoqQ>J hoVw ZE aoqQ>J ‘mS>b Wm Ama.E.E‘. (aoqQ>J ‘yë`m§H$Z ‘m°S>b) {H«$`mpÝdV {H$`m h¡. gm°âQ>doà ‘| MyH$ H$s g§^mì`Vm (nr.S>r.), MyH$ na hm{Z (Eb.Or.S>r.) Am¡a MyH$ na EŠgnmoOa (B©.E.S>r.) H$s JUZm H$aZo H$s j‘Vm h¡. ~¢H$ ‘w»`V… Am§V[aH$ aoqQ>J Ho$ AmYma na ‘yë` {ZYm©[aV H$aVm h¢. ~¢H$ Zo 4 [aQ>ob CËnmXm| AWm©V Amdmg, dmhZ, {ejm Am¡a d¡`{º$H$ Ho$ {bE gr.Ama.B©.Eg.Eg. (F$U aoqQ>J ñH$mo[a¨J àUmbr) ^r bmJy H$s h¡.

22 ‘mZd g§gmYZ à~§YZ

22.1 ^Vu

df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo 21 n[adrjmYrZ A{YH$mar, 13 {deofk A{YH$mar, 128 {b{nH$ Am¡a 148 AYrZñW H$s ^Vu H$s h¡.

22.2 A.Om./A.O.Om./A.{n.d./nr.EM./B © .EŠg.Eg.E‘. H$‘©Mm[a`m| Ho$ {bE {eH$m`V {ZdmaU V§Ì:

~¢H$ Zo AZwgy{MV Om{V, AZwgy{MV OZOm{V, AÝ` {nN>‹S>m dJ©, {Xì`m§Jm|, ^yVnyd© g¡{ZH$m| Ho$ H$‘©Mm[a`m| Ho$ {bE AmajU Zr{V Ho$ H$m`m©Ýd`Z H$s {ZJamZr Ho$ {bE, ‘w»` g§nH©$ A{YH$mar Ho$ én ‘| H$m`© H$aZo Ho$ {bE ‘hmà~§YH$ nX Ho$ A{YH$m[a`m| H$mo nXZm{‘V {H$`m h¡. {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE {V‘mhr ~¡R>H$ ApIb ^maVr` XoZm ~¢H$ AZwgy{MV Om{V/AZwgy{MV OZOm{V/AÝ` {nN>‹S>m dJ© H$‘©Mmar ’o$S>aoeZ Ho$ gmW àYmZ H$m`m©b` Am¡a



A§Mb H$m`m©b` ñVa na Am`mo{OV H$s OmVr h¡.

22.3 à{ejU…

dV©‘mZ df© Ho$ Xm¡amZ, ~¢H$ Zo 7224 H$‘©Mmar (4607 A{YH$mar, 2205 {b{nH$, 412 AYrZñW) H$mo AnZo kmZ H$m¡eb, d¥{Õ ~ohVar H$mamo~mar AmË‘{dœmg Ho$ {bE gVV à{H«$`m Ho$ VhV à{ejU {X`m h¡. Eogo à{ejU H$m`©H«$‘ h‘mao {d{^Þ Am§V[aH$ à{ejU Ho$Ðm| Am¡a EZ.AmB©.~r.E‘., gr.E.~r., ~r.AmB©.Ama.S>r., E.Eg.gr.AmB©. VWm E‘.S>r.AmB©. BË`m{X O¡go à{V{ð>V g§ñWmZm| Ho$ ‘mÜ`‘ go Am`mo{OV {H$E OmVo h¢.

H$. EH$ H$m`©nmbH$ H$mo {dXoer OmZH$mar hoVw Zm{‘V {H$`m J`m Wm.

I. 1246 A{YH$m[a`m| Zo XoZm Q>m°n-An `moOZm, XoZm ñQ>on An Amdmg `moOZm, ’$ZuMa Am¡a {’$ŠgMa `moOZm, H$m¡eb [aZ `moOZm Am¡a ‘wÐm F$U g{hV XoZm {ejm F$U `moOZm g{hV XoZm {Zdmg Amdmg `moOZm na H¡$ßgyb H«o${S>Q> H$m`©H«$‘ ‘| ^mJ {b`m.

J. ñHo$b IV Am¡a V A{YH$m[a`m| Ho$ {bE {~OZog So>dbn‘|Q> àmoJ«m‘ Egnr~rQ>r H$m°boO, ‘w§~B© ‘| Am`mo{OV {H$`m J`m Wm, {XZm§H$ 22.01.2018 go 24.01.2018 VH$ Am`mo{OV H$m`©H«$‘ ‘| 27 à{V^m{J`m| Zo ^mJ {b`m.

K. b|S> na’o$ŠQ> gm°âQ>doà ‘m°S>çyb na EH$ {deof à{ejU Egnr~rQ>r H$m°boO, ‘w§~B© ‘| Am`mo{OV {H$`m J`m Wm. g^r AmaEnrgr Ho$ à‘wI, àËòH$ A§Mb go EH$ A{YH$mar Omo IwXam g§{d^mJ ‘| H$m`©aV h¢ Am¡a àYmZ H$m`m©b` Ho$ Ama~rS>r {d^mJ Ho$ A{YH$m[a`m| Zo H$m`©H«$‘ ‘| ^mJ {b`m.

L>. m.[a. ~¢H$ Ho$ gbmh Ho$ AZwgma, ~¢H$ Zo E) IOmZm à~§YZ ~r) OmopI‘ à~§YZ gr) boIm Am¡a boIm narjm Ed§ S>r) gmI à~§YZ Am{X BZ joÌm| ‘| H$m‘ H$a aho A{YH$m[a`m| H$s H$m¡eb Am¡a `mo½`Vm ‘| gwYma Ho$ {bE joÌm| ‘| j‘Vm {Z‘m©U à‘mUZ H$m`©H«$‘ ewê$ H$a {X`m h¡. 31 ‘mM© 2018 VH$ 125 A{YH$m[a`m| Zo à‘mUZ H$m`©H«$‘m| Ho$ {bE Zm‘m§H$Z {H$`m h¡.

22.4 nXmoÞ{V

~¢H$ Zo AnZo H$‘©Mm[a`m| Ho$ {dH$mg Am¡a ì`mdgm{`H$ àJ{V Ho$ {bE, ‘mM© 2018 VH$ nhMmZr JB© [a{º$`m| H$mo âZo Ho$ {bE A{YH$m[a`m| Ho$ {d{^Þ g§dJm] ‘| à{H«$`m Ama§^ H$s h¡. VXZwgma, ‘mM©, 2018 ‘| g‘má df© Ho$ Xm¡amZ 815 A{YH$mar Cƒ doVZ‘mZ ‘| nXmoÞV {H$E JE.

22.5 OZe{º$

~¢H$ Ho$ H$‘©Mm[a`m| H$s g§»`m 31.03.2018 H$mo 13613 h¡. Hw$b g§»`m ‘| 6033 A{YH$mar, 5325 {b{nH$ Am¡a 2255 AYrZñW H$‘©Mmar em{‘b h¢ {OZ‘| 3705 ‘{hbm H$‘©Mmar em{‘b h¢. ~¢H$ ‘| AZwgy{MV Om{V, AZwgy{MV OZ Om{V, AÝ` {nN>‹S>m dJ©, emar[aH$ {dH$bm§J VWm ^yVnyd© g¡{ZH$ H$‘©Mm[a`m| H$m à{V{Z{YËd {ZYm©[aV ñVa Ho$ AZwê$n h¡.

22.6 Am¡Úmo{JH$ g§nH©$

~¢H$ Zo gm‘§Oñ`nyU© Am¡a gm¡hmX©nyU© Am¡Úmo{JH$ g§nH©$ H$m ‘mhm¡b ~Zm`m h¡. H$‘©Mmar g§K Am¡a A{YH$mar g§K Ho$ gmW Amd{YH$ g§a{MV ~¢R>H$m| H$m Am`moOZ àYmZ H$m`m©b` Am¡a A§Mb H$m`m©b` ñVa na {H$`m OmVm h¡.

23. gyMZm VH$ZrH$s nhb

23.1 H$moa ~¢qH$J g‘mYmZ (gr.~r.Eg.)- XoZm J[a‘m

23.1.1 ~¢H$ Zo VH$ZrH$s H$s ghm`Vm go J«mhH$ g§Vw{ï> H$mo ~‹T>mZo Ed§ H$mamo~ma d¥{Õ Ho$ Ñ{ï> go ~Xbmd H$s à{H«$`m Ama§^ H$a {X`m h¡. ~¢H$ Ho$ H$moa ~¢qH$J n[aMmbZm| Ho$ ewê$ go A§V g‘mYmZ Ho$ {bE ~¢H$ EH$ AJ«Ur gyMZm VH$ZrH$ godm àXmVm

‘o. {dàmo H$s godmAm| go Ow‹S>m hþAm h¡. `h ‘o. B§µ’$mo{gg Q>oŠZmobmo{Og Ho$ {’$ZoH$b gm°âQ>doà Ûmam g‘{W©V h¡. g‘pÝdV IOmZm n[aMmbZm| Ho$ {bE gm°âQ>doà g‘mYmZ Ho$ A{V[aŠV H$moa ~¢qH$J àUmbr ‘| J«mhH$ gw{dYm godmE§ O¡go B§Q>aZoQ> ~¢qH$J, ’$moZ ~¢qH$J, ‘mo~mBb ~¢qH$J, ZH$Xr à~§YZ godm Am{X em{‘b h¡. {d{Z`m‘H$ AnojmAm| H$mo nwam H$aZo Am¡a H$mamo~ma d¥{Õ Ho$ {bE ‘w»` ê$n go H$B© V¥Vr` nj gm°µâQ>doà g‘mYmZ ^r h¢.

23.1.2 h n[a`moOZm ~¢H$ Ho$ ‘w§~B© Ho$ ‘m{h‘ emIm ‘| 12 ‘mM©, 2007 H$mo dV©‘mZ n[aMmbZm| H$mo ~XbH$a bmJy {H$`m J`m.

23.1.3 ‘mM© 2018 VH$ ~¢H$ Ho$ g^r 1872 emImE§ (72 AZwf§Jr emImAm| g{hV) Am¡a nyam H$mamo~ma gr.~r.Eg. Ho$ A§VJ©V bm`m J`m. Bg‘| 1,153 Ho$Ð VWm 31 amÁ`/Ho$Ð em{gV àXoe em{‘b h¡. g^r àemg{ZH$ BH$mB© O¡go A§Mb H$m`m©b`, H$‘©Mmar à{ejU Ho$Ð VWm àYmZ H$m`m©b` Ho$ {d^mJ ^r gr.~r.Eg. Ho$ A§VJ©V h¡.

23.2 ñdM{bV Q>oba ‘erZ (E.Q>r.E‘.)

~¢H$ Ho$ g^r E.Q>r.E‘. E.Q>r.E‘. pñdM go Ow‹S>o h¢, Omo CgHo$ AmJo gr.~r.Eg. gd©a go Ow‹S>m hþAm h¡. `h ì`dñWm ~¢H$ Ho$ H$mS©>YmaH$m| H$mo AnZo ~og emImAm| Ho$ ñWmZ na {H$gr ^r ~¢H$ Ho$ E.Q>r.E‘. go ZH$Xr AmhaU, eof H$s Om§M, ‘mo~mBb Q>m°n An Am{X O¡go {d{eï> àH$ma Ho$ boZ-XoZ H$mo nyU© H$aZo ‘| gj‘ ~ZmVm h¡. BgHo$ A{V[aº$, ~¢H$ Ho$ E.Q>r.E‘. pñdM AÝ` E.Q>r.E‘. ZoQ>dH©$ g‘yhm| AWm©V amï´>r` {dÎmr` pñdM -EZ.E’$.Eg. Omo EZ.nr.gr.AmB©. Am¡a drµOm Ûmam g§d{Y©V h¡. Omo h‘mao H$mS©> YmaH$m| H$mo BZ ZoQ>dH©$ g‘yhm| Ho$ E.Q>r.E‘. go Hw$N> gm‘mÝ` boZ-XoZ H$aZo Ho$ {bE H$s AZw‘{V àXmZ H$aVm h¡.

gwnwX©Jr M¡Zb Ho$ g~go bmoH${à` Am¡a gw{dYmOZH$ VarHo$ Ho$ ê$n ‘| EQ>rE‘ ewê$ H$aZo H$s d¡{œH$ àd¥{Îm Ho$ Ñ{ï>JV, nyao Xoe ‘| ‘mM©, 2018 VH$ Hw$b 1685 EQ>rE‘ ñWm{nV {H$E JE h¢. BZ EQ>rE‘ ‘| go 1334 Am°ZgmBQ> h¢ Am¡a 351 Am°’$gmBQ> h¢. {nN>bo gmb Ho$ Xm¡amZ EH$ ‘mo~mBb EQ>rE‘ àma§^ {H$`m J`m h¡.

{XZm§H$ 31 ‘mM© 2018 VH$ ~¢H$ H$m dV©‘mZ H$mS©> ~og 87.63 bmI h¡. ~¢H$ Ho$ nmg drµOm Am¡a EZ.E’$.Eg. JR>Omo‹S> Ho$ ‘mÜ`‘ go EQ>rE‘ gmPmH$aU ì`dñWm h¡, Omo ^maV ‘| 207036 EQ>rE‘ EŠgog nm°B§Q²g Am¡a 30.27 bmI go A{YH$ ì`mnmar à{Vð>mZm| (E‘B©Eg) Am¡a {dXoe ‘| 1.5 {‘{b`Z go A{YH$ EQ>rE‘ Am¡a 30 {‘{b`Z E‘B© {dXoem| ‘| gj‘ h¡, ~¢H$ Ho$ J«mhH$m| H$mo. ~¢H$ drOm g§~ÕVm Am¡a éno ßb¡{Q>Z‘ H$mS©> Ho$ gmW EM.EZ.AmB©. J«mhH$m| H$mo XoZm B§Q>aZoeZb JmoëS> So>{~Q> H$mS©> ^r àXmZ H$aVm h¡.

~¢H$ Ho$ nmg EQ>rE‘ Ho$ ‘mÜ`‘ go ~hþV gmar ‘yë` d{Y©V godmE§ h¡. AWm©V ‘mo~mBb àrnoS> Q>m°n-An Am¡a nmoñQ> noS> {~b ^wJVmZ BË`m{X. So>{~Q> H$mS©> J«mhH$ B§Q>aZoQ> na So>{~Q> H$mS©> H$m Cn`moJ H$aHo$ ‘mb Am¡a godmAm| H$s IarX Ho$ {bE Am°ZbmBZ ^wJVmZ ^r H$a gH$Vo h¢. ~¢H$m| Zo J«mhH$m| H$s ~ohVa gwajm Ho$ {bE drOm nmgdS©> Ûmam ñWmB© gË`mnZ Ho$ ñWmZ na AmoQ>rnr bmJy {H$`m h¡.

23.3 B§Q>aZoQ> ~¢qH$J :

B§Q>aZoQ> ~¢qH$J gw{dYm Ho$ A§VJ©V {dÎmr` boZ-XoZ g^r emImAm| Ho$ J«mhH$m| Ho$ {bE CnbãY h¡. B§Q>aZoQ> ~¢qH$J EpßbHo$eZ gd©a So>Q>m g|Q>a (S>r.gr.) Am¡aS>r.Ama gmB©Q> na pñWV h¡. `h gd©a, ~Xbo ‘|, gr.~r.Eg. EpßbHo$eZ Am¡a S>mQ>m~og gd©a go b¡Z Ho$ Ûmam So>Q>m g|Q>a ‘| Amdí`H$ µ’$màdm°b AmYm[aV gwajm {Z`§ÌU Ho$ gmW Ow‹S>m hþAm h¡ Vm{H$ h‘mao J«mhH$ Ho$ So>Q>m H$s



gwajm gw{Z{üV hmo gHo$.

B§Q>aZoQ> ~¢qH$J Ho$ ‘mÜ`‘ go ZB© gw{dYmE§

H$) {Xg§~a 2017 ‘| Z`m E’$.B©.~r.E. g§ñH$aU Ama§^ {H$`m J`m h¡.

I) H$m°anmoaoQ> J«mhH$m| Ûmam H$m°anmoaoQ> doVZ / WmoH$ {Z{Y hñVm§VaU H$m Cn`moJ H$m°nm}aoQ> H$‘©Mm[a`m| Ho$ doVZ H$mo O‘m H$aZo Ho$ {bE {H$`m Om gH$Vm h¡, {OZH$m ImVm h‘mao gmW h¡.

H$mnm}aoQ> EH$ gmW H$B© {dH«o$VmAm| H$m ^wJVmZ H$a gH$Vo h¢.

J) gr‘m ewëH$, N>ÎmrgJ‹T> amÁ` H$a H$m B©-^wJVmZ, V{‘bZmSw> amÁ` H$a df© Ho$ Xm¡amZ àma§^ {H$`m OmVm h¡.

K) XoZm B§ñQ>m no H$m àma§^ : ~¢H$ Zo AJ«Ur {~b ^wJVmZ gw{dYm àXmVmAm| {~b So>ñH$, Eg~rAmB© B© no, noQ>rE‘ Am¡a no y Ho$ gmW B§Q>aZoQ> ~¢qH$J Ho$ ‘mÜ`‘ go Cn`mo{JVm {~bm| Am¡a IarX H$m ^wJVmZ àXmZ H$aZo Ho$ {bE g‘Pm¡Vm {H$`m h¡ Omo J«mhH$m| H$s gm‘mÝ` Amdí`H$VmAm| ‘| go EH$ Wm. h‘ Am¡a A{YH$ {~b g§H$bH$Vm©Am| Ho$ gmW Ow‹S>Zo H$s à{H«$`m ‘| ^r h¢. dV©‘mZ ‘| J«mhH$ {ZåZ{bpIV ì`mnH$ lo{U`m| Ho$ {bE Am°ZbmBZ ^wJVmZ H$a gH$Vo h¢:

1. Q>obr’$moZ (b¢S>bmBZ / ‘mo~mBb) {~b

2. {~Obr {~b

3. H«o${S>Q> H$mS©> {~b

4. ~r‘m àr{‘`‘

5. mÌm {Q>H$Q> H$s ~wqH$J

6. J¡g ar{’$b ewëH$ Am{X

7. Am°Z bmBZ IarXmar na

8. S>rQ>rEM [aMmO©

9. Am°Z bmBZ {dÚmb` ewëH$ H$m ^wJVmZ

L>) ImVm| Ho$ ‘m{gH$ B© ‘ob ñQ>oQ>‘|Q> CZ J«mhH$m| H$mo ôOo OmVo h¢ {OÝhm|Zo ~¢H$ Ho$ gmW B©-‘ob AmB©S>r n§OrH¥$V H$s h¡.

M) OrEgQ>r H$a H$m B©-^wJVmZ.

N>) B§Q>aZoQ> ~¢qH$J Ho$ ‘mÜ`‘ go So>{~Q> H$mS©> ãbm°H$ H$aZm.

23.4 XoZm ZoQ> :

àm¡Úmo{JH$s Ho$ ‘mÜ`‘ go n[adV©Z H$s {Xem ‘| ~¢H$ Ho$ A{^`mZ ‘| g§Mma AmYma^yV g§aMZm Ho$ ‘hËd H$mo nhMmZVo hþE, ~¢H$ AnZr g^r emImAm| Am¡a àemg{ZH$ H$m`m©b`m| go XoZmZoQ> Ho$ ‘mÜ`‘ go Ow‹S>m h¡ - BgHo$ ì`mnH$ joÌ ZoQ>dH©$ H$m {d{^Þ H$ZopŠQ>{dQ>r ‘r{S>`m Ûmam Cn`moJ {H$`m Om ahm h¡. 99.5% go A{YH$ g‘` gw{Z{üV H$aZo Ho$ {bE ZoQ>dH©$ ‘m°ZrQ>[a¨J Q>r‘ Ûmam XoZmZoQ> H$s bJmVma 24X7 AmYma na {ZJamZr H$s Om ahr h¡.

h‘mao g^r dV©‘mZ VH$ZrH$s nhb H$m AmYma XoZm ZoQ> h¡, Omo gyMr~Õ ZoQ>dH$m] H$m Cn`moJ H$aHo$ ~¢H$ Ho$ ^rVa Am¡a ~mha {d{^Þ g§ñWmAm| H$mo Omo‹S>Vr h¡&

H$ZoŠQ>r{dQ>r H$m àH$ma 31/03/2018

VH$ qbH$ H$s g§»`m

nmB©ÝQ> Qy> nmB©ÝQ> / E‘.nr.Eb.Eg. 2501

{g’$s -3G 91

AmB©.Eg.S>r.EZ.nr.Ama.AmB©./~r.Ama.AmB©. bmB©Z

21

dr.Eg.E.Q>r. (EM.gr.Eb. Am¡a EM.gr.AmB©.Eb.)

830

XoZm ZoQ> 1872 emImAm| (72 g¡Q>obmB©Q> emImAm| g{hV), 35 àemg{ZH$ H$m`m©b`, 6 H$‘©Mmar à{ejU Ho$ÝÐ, 143 Am°’$gmB©Q> E.Q>r.E‘. Am¡a 12

~¢H$/H$m`m©b` Ho$ ~mha (E‘.Amo.E’$. {Z{dXm Ho$ A§VJ©V E.Q>r.E‘. Ho$ {bE AmB©.S>r.Ama.~r.Q>r., Ama.~r.AmB©., `yamoZoQ>, EZ.nr.gr.AmB©., Ama.gr.E.nr., H§$Q´mob Eg., H$mdu, ~¡H$hmD$b qbH$.)

23.5 `y.nr.AmB©. ‘mo~mB©b ~¢qH$J EpßbHo$eZ :

~¢H$ Zo ^r‘ XoZm -`y.nr.AmB©. ^r bm°ÝM {H$`m h¡ Omo AmnH$mo `y{Z’$mB©S> ^wJVmZ B§Q>a’o$O (`y.nr.AmB©.) H$m à`moJ H$aHo$ gab, AmgmZ Am¡a VËH$mb ^wJVmZ boZ-XoZ H$s gw{dYm àXmZ H$aVm h¡. J«mhH$ AmgmZr go {d{^ÝZ ‘moS> O¡go Am¡a ImVm+AmB©.E’$.Eg.gr. / ‘mo~mB©b Z§.+E‘.E‘.AmB©.S>r./dMw©Ab ^wJVmZ nVm (dr.nr.E.) / AmYma + ~¢H$ Zm‘ H$m à`moJH$aVo hþE EH$ ~¢H$ go Xwgao ~¢H$ ^wJVmZ H$a gH$Vo h¢ Am¡a ZH$Xr àmßV H$a gH$Vo h¡. {ZåZmZwgma godmE§ CnbãY h¡ :

I. ImVm ‘¡ZoO H$a| : Cn`moJH$Vm© n§OrH¥$V ‘mo~mB©b Z§~a Ho$ gmW AnZm ImVm Omo‹S> gH$Vm h¡.

II. bm^mWu ‘¡ZoO H$a| : Cn`moJH$Vm© 4 {dH$ënm| Ho$ ‘mÜ`‘ go bm^mWu Omo‹S> gH$Vm h¡ AWm©V ImVm + AmB©.E’$.Eg.gr. / ‘mo~mB©b+E‘.E‘.AmB©.S>r./ dMw©Ab ^wJVmZ nVm -dr.nr.E./ AmYma + ~¢H$ Zm‘.

no : Bg {dH$ën H$m à`moJ H$aVo hþE, Amn {H$gr H$mo ^r ImVm + AmB©.E’$.Eg.gr. / ‘mo~mB©b+E‘.E‘.AmB©.S>r./ dMw©Ab ^wJVmZ nVm -dr.nr.E. / AmYma + ~¢H$ Zm‘ H$m à`moJ H$aVo hþE ZH$Xr ôO gH$Vo h¢.

III. H$boŠQ> : Bg {dH$ën H$m à`moJ H$aVo hþE, dÀ`yAb no‘|Q> ESóg (dr.nr.E.) XO© H$aVo hþE Amn ZH$Xr àmßV H$a gH$Vo h¡.

IV. ~H$m`m eof OmZH$mar : ImVm E¡S> H$aZo Ho$ níMmV, Bg {dH$ën H$m à`moJ H$aVo hþE Cn`moJH$Vm© AnZo ImVo H$s ~H$m`m eof H$mo OmZ gH$Vm h¡.

V. ‘¡ZoO E‘.{nZ : Bg {dH$ën go `y.nr.AmB©. {nZ H$mo [agoQ>/~Xbm Om gH$Vm h¡.

VI. boZ-XoZ {hñQ´r : Bg {dH$ën H$m à`moJ H$aVo hþE, Cn`moJH$Vm© no/H$boŠQ> àH$ma Ho$ boZ-XoZ H$s boZ-XoZ {hñQ´r MoH$ H$a gH$Vm h¡. Amn AñdrH¥$V boZ-XoZ Ho$ {bE {eH$m¶V ^r H$a gH$Vo h¡.

VII. ãbm°H$/AZãbm°H$ dr.nr.E: Cn`moJH$Vm© dÀ`yAb no‘|Q> ESóg (dr.nr.E.) H$mo ãbm°H$/AZãbm°H$ H$a gH$Vm h¡

VIII. An§OrH$aU : Cn`moJH$Vm© XoZm B©-`y.nr.AmB©. EpßbHo$eZ go AnZo Amn H$mo An§OrH¥$V ^r H$a gH$Vm h¡.

IX. ~¢H$, XoZm B©.-`y.nr.AmB©. H$mo {d{^ÝZ {dkmnZm| Ho$ ‘mÜ`‘ go bmoH${à` ~Zm ahm h¡. ~¢H$ Zo `y.nr.AmB©. ßb¡Q>’$m‘© H$m à`moJ H$aZo Ho$ {bE J«mhH$m| H$mo n§OrH¥$V ‘mo~mB©b Z§~a na Eg.E‘.Eg. ^r ôOo h¡.



`y.nr.AmB©. Ho$ bm^ :

1. {Z{Y A§VaU H$m g~go gñVm gmYZ.

2. XoZm `y.nr.AmB©. gw{dYm gaH$ma H$s ZH$Xr a{hV AW©ì`dñWm H$s nhb H$mo AmJo bo OmVm h¡.

3. Am°ZbmBZ boZXoZ Ho$ {bE H$mS©> Z§~a, d¡YVm, gr.dr.dr. O¡go {ddaU XoZo H$s Amdí`H$Vm Zht h¡.

4. 24 X 7 365 CnbãYVm.

5. {d{^Þ ~¢H$ ImVm| VH$ nhþ§MZo Ho$ {bE Ho$db EH$ Eon (EH$ XoZm B©-`y.nr.AmB©. Eon H$B© ImVo).

6. qgJb pŠbH$ à‘mUrH$aU. H$moB© Q>mB‘AmCQ> n[aÑí` Zht h¡.

7. gwa{jV dMw©Ab AmB©.S>r. (dr.nr.E.).

8. VËH$mb {Z{Y A§VaU. AdH$me `m J¡a-H$m`©erb ~¢qH$J K§Q>m| H$m H$moB© à{V~§Y Zht.

9. AmXmVm H$m VËH$mb n§OrH$aU.

10. boZ-XoZ H$aZo Ho$ {bE bm^mWu Ho$ ~¢H$ ImVm g§»`m Am¡a AmB©.E’$.Eg.gr. H$moS> H$s Amdí`H$Vm Zht h¡. {Z{Y A§VaU Ho$ {bE bm^mWu Ho$ dr.nr.E. H$mo OmZZm n`m©ßV h¡.

CnbãY {d{^ÝZ gw{dYmE§ {ZåZmZwgma h¡ :

gw{dYm H$m àH$ma

gw{dYm H$m Zm‘ boZ-XoZ gr‘m

{dËVr` {Z{Y A§VaU XoZm `y.nr.AmB©. Eon Ûmam é 1 bmI à{V {XZ g^r boZXoZ Ho$ {bE O~{H$ ^r‘ Eon go é 10,000/- H$s à{V boZ-XoZ H$s gr‘m Ho$ gmW é 20,000/- à{V {XZ boZ-XoZ gr‘m.

J¡a {dËVr` 1. ~H$m`m eof

2. nmgdS©> ~XbZm (E‘.{nZ /bm°{JZ)

-

23.6 AÝ` gyMZm VH$ZrH$s nhb :

23.6.1 y.Eg.Eg.S>r. AZwnyaH$ godm So>Q>m - `y.Eg.Eg.S>r. M¡Zb :

h‘Zo, AJ«Ur CËnmX amï´>r` EH$sH¥$V y.Eg.Eg.S>r. ßboQ>’$m‘© (EZ.`y.`y.nr.) Omo {H$ H$B© à‘wI Q>o{bH$m‘ ZoQ>dH©$ na H$m‘ H$aVr h¡, Ho$ A§VJ©V ^maVr` amï´>r` ^wJVmZ {ZJ‘ (EZ.nr.gr.AmB©.) Ûmam àd{V©V Ag§aMZm~Õ AZwnyaH$ godm Am§H$So> - `y.Eg.Eg.S>r. M¡Zb Zm‘H$, EH$ ZE ‘mo~mB©b ~¢qH$J M¡Zb H$s ewéAmV H$s h¢.

XoZm ~¢H$ Ho$ J«mhH$ AnZo n§OrH¥$V ‘mo~mBb ’$moZ (‘oH$ m {S>OmBZ H$s nadmh {H$E ~J¡a) go 99*65# S>m`b H$aHo$ Bg gab Am¡a gw{dYmOZH$ godm H$m Cn`moJ H$a gH$Vo h¢ Am¡a ‘mo~mBb H«$sZ na àX{e©V EH$ B§Q>a¡pŠQ>d ‘oZy Ho$ ‘mÜ`‘ go boZXoZ H$a gH$Vo h¢.

h gw{dYm {dÎmr` Am¡a J¡a-{dÎmr` boZXoZm| Ho$ {bE CnbãY h¡. ~¢H$ J«mhH$m| Ho$ ~rM Bg AZwà`moJ H$mo bmoH${à` ~ZmZo Ho$ {bE à`mg H$a ahm ahm h¡.

23.6.2 ‘mo~mB©b ~¢qH$J Am¡a `y.Eg.Eg.S>r.:

~¢H$ Zo XoZm E‘ H$ZoŠQ> godmAm| - ‘mo~mB©b h¡ÊS>goQ> H$m à`moJ H$aVo hþE gw{dYmOZH$ Am¡a gwa{jV ~¢qH$J boZ-XoZm| H$mo H$aZo Ho$ {bE H$m`m©pÝdV {H$`m h¡. `h g‘mYmZ ‘mo~mB©b ~¢qH$J na ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgaU ‘| h¡.

23.6.3 {‘ñgS> H$m°b gw{dYm

~¢H$ Zo CZ J«mhH$m| H$mo {OZHo$ ‘mo~mB©b Zå~a n§OrH¥$V h¡, Ho$ bm^ Ho$ {bE nhbr ~ma {‘ñgS> H$m°b gw{dYm bmJy H$s. Bg gw{dYm ‘|, J«mhH$ 09289356677 na H$m°b H$aHo$ g{H«$` ImVm| (A{YH$V‘ 5 ImVm| VH$) ‘| eof VWm 09278656677 na H$m°b H$aHo$ g{H«$` ImVm| (A{YH$V‘ 5 ImVm| VH$) Ho$ A§{V‘ 4 A§VaU H$s bKw {ddaUr H$s OmZH$mar àmá H$a gH$Vm h¡. Zå~a S>m`b H$aZo na, H$m°b 2 [a¨J Ho$ ~mX ñdV… hr H$Q> OmEJm. J«mhH$ H$mo Cº$ {X`o JE 5 g{H«$` ImVm| Ho$ {bE Eg.E‘.Eg. g§Xoe {‘b OmEJm.

Bg gw{dYm H$m `h bm^ h¡ {H$ Bg‘| H$m°b Ho$ {bE H$moB© ewëH$ Zht h¡ Am¡a J«mhH$ H$mo EH$ H$m°b go hr 5 g{H«$` ImVm| H$s OmZH$mar {‘b Om`oJr. J«mhH$ H$mo Ho$db eof / boZ-XoZ {ddaU OmZZo Ho$ {bE emIm ‘| OmZo H$s Amdí`H$Vm Zht h¡.

23.6.4 B§Q>aZoQ> Am¡a ‘mo~mB©b ~¢qH$J Ho$ {bE Am°ZbmBZ n§Or`Z gw{dYm :

J«mhH$ B§Q>aZoQ> ~¢qH$J Am¡a ‘mo~mB©b ~¢qH$J gw{dYm Ho$ {bE ñd`§ Am°ZbmBZ n§Or`Z H$a gH$Vm h¡. J«mhH$ H$mo Bg gw{dYm Ho$ n§Or`Z Ho$ {bE emIm ‘| OmZo H$s Amdí`H$Vm Zht h¡. Bggo ~¢H$ H$mo B§Q>aZoQ> ~¢qH$J Am¡a ‘mo~mB©b ~¢qH$J J«mhH$m| H$s g§»`m ~‹T>mZo ‘| ghm`Vm {‘boJr.

23.6.5 XñVmdoµO à~§YZ àUmbr (S>r.E‘.Eg.)H$m`m©Ýd`Z…

~¢H$ Zo XñVmdoOm| Ho$ {S>{OQ>brH$aU Ho$ {bE S>r.E‘.Eg. g‘mYmZ Ho$ H$m`m©Ýd`Z H$m Ama§^ H$a {X`m h¡ Am¡a Bg àUmbr Ûmam S>r.E‘.Eg. àUmbr Ho$ ‘mÜ`‘ go ImVo ImobZo / XñVmdoOm| H$s Hw$N> J{V{d{Y`m| H$mo emImAm| / A§Mb H$m`m©b`m| / àYmZ H$m`m©b` ñVa na {H$`m Om gHo$.

dmD$Ma Am¡a nwñVH$m| Ho$ ‘mBH«$mo {’$pë‘§J Ho$ g§~§Y ‘| Kmof {ObmZr g{‘{V H$s {g’$m[aem| Ho$ AZwnmbZ ‘| S>r.E‘.Eg. ‘oH$a/MoH$a H§$goßQ> Ho$ gmW BboŠQ´m{ZH$ ‘moS> ‘| ‘hËdnyU© XñVmdoOm| H$mo aIZo H$s gw{dYm àXmZ H$aVm h¡.

23.6.6 B©-ñ‘mQ>© Ho$ÝÐ:

~¢H$ Zo nhMmZ {H$E JE H|$Ðm| na ~¢qH$J H$s 24x7 gw{dYm àXmZ H$aZo Ho$ {bE B©-ñ‘mQ>© H|$Ðm| H$s ñWmnZm Ho$ {bE à{H«$`m Ama§^ H$s h¡. B©-ñ‘mQ>© goQ>An ‘| ì`mdgm{`H$ j‘Vm Am¡a Amdí`H$Vm Ho$ AmYma na {ZåZ{bpIV {H$`moñH$ h¢.

H$. ñdM{bV Q>oba ‘erZ (E.Q>r.E‘.)

I. ZH$Xr O‘m ‘erZ

J. nmg~wH$ qàQ>a

K. MoH$ {S>nmo{OQ> ‘erZ

L>. B§Q>aZoQ> ~¢qH$J {H$`moñH$

‘mM© 2018 VH$, h‘Zo 98 B©-ñ‘mQ>© H|$Ðm| H$mo n[aMm{bV {H$`m Wm.



23.6.7 EM.Ama.E‘.Eg. àUmbr H$m`m©Ýd`Z :

~¢H$ {nnbgm°âQ> H$s EM.Ama.E‘. àUmbr H$m H$m`m©Ýd`Z H$a ahm h¡. ‘m°S>µ`yb-dma H$m`m©Ýd`Z pñW{V {ZåZmZwgma h¡:

‘X g§ ‘m°S>µ`yb H$m Zm‘ EÊS> `yOa

1 noamob à~§YZ g^r H$‘©Mmar

2 H$‘©Mmar gyMZm à~§YZ g^r H$‘©Mmar

3 H$‘©Mmar ñd`§ godm g^r H$‘©Mmar

4 OZe{º$ à{ejU Eg.nr.~r.Q>r. Am¡a H$m{‘©H$ A{YH$mar

5 AdH$me Am¡a hm{Oar à~§YZ g^r H$‘©Mmar

6 H¡$ÝQ>rZ ghm`H$s g^r H$‘©Mmar

7 H$m`©nmbH$m| H$mo dmhZ Am¡a AÝ` dmhZm| H$m Am~§Q>Z

E’$.Or.E‘.Amo. Am¡a Amo.E.S>r.

8 gm§{d{YH$ AZwnmbZ ({eH$m`V) g^r H$‘©Mmar

9 {d{dY/^Îmo à.H$m. ñVar` H$‘©Mmar

10 H$‘©Mmar H$ë`mU `moOZm à.H$m. ñVar` H$‘©Mmar

11 doVZ-d¥{Õ à{H«$`m à.H$m. H$m{‘©H$ A{YH$mar

12 {Z`w{º$ g^r H$‘©Mmar

13 EM.Ama.E‘. boImnarjm EM.Ama.E‘. {d^mJ

14 H$m`©Xb ñH$moAaH$mS©> EM.Ama.E‘. {d^mJ

15 ‘mZd g§gmYZ E‘.AmB©.Eg. EM.Ama.E‘. {d^mJ

23.6.8 E.Q>r.E‘., B§Q>aZoQ> ~¢qH$J, Eg.E‘.Eg., emImAm| Ho$ ‘mÜ`‘ go AmYma AÚVZ H$aZm :

~¢H$ Ho$ ImVmYmaH$, emIm ‘| OmZo Ho$ Abmdm AnZo E.Q>r.E‘., B§Q>aZoQ> ~¢qH$J nmoQ>©b Am¡a Eg.E‘.Eg. Ho$ ‘mÜ`‘ go AnZr AmYma g§»`m AÚVZ H$a gH$Vo h¢. J«mhH$ ‘w»èãX (H$s dS©>) AADhAR (Imbr OJh) ACCoUnT no. (Imbr OJh) AmYma g§»`m. AWm©V. AADhAR 02091002285 216901540030 Q>mB©n H$a Ho$ 9223175152 Z§~a na ôO gH$Vo h¡.

23.6.9 {’$ZoH$b ‘| ~m`mo‘o{Q´H$ A{Yà‘mUZ :

~¢H$ Zo AnZo g^r H$‘©Mm[a`m| Ho$ {bE ~m`mo‘o{Q´H$ A{Yà‘mUZ H$mo H$m`m©pÝdV {H$`m h¡. H$‘©Mm[a`m| H$mo {’$ZoH$b ‘| àdoe H$aZo Ho$ {bE ~m`mo‘o{Q´H$ A{Yà‘mUZ àUmbr Ûmam AnZo H$mo A{Yà‘m{UV H$aZm h¡.

23.6.10 J«mhH$m| H$mo B©-‘ob Am¡a Eg.E‘.Eg. AbQ© :

h‘ J«mhH$ H$mo CgHo$/CZHo$ ‘mo~mB©b Z§~a ~Xb OmZo Ho$ ‘m‘bo ‘| B©-‘ob/Eg.E‘.Eg. AbQ>© ôOVo h¡. ‘mo~mB©b Z§~a ~Xbmd Am¡a CgHo$ Xwén`moJ Ûmam YmoImY‹S>r Ho$ ‘m‘bm| H$mo amoH$Zo Ho$ {bE BgH$s ewéAmV H$s JB© h¡.

J«mhH$ Ûmam {H$E JE {dÎmr` VWm Hw$N> J¡a {dÎmr` (O¡go {H$ MoH$ ~wH$ Omar H$aZm) boZ-XoZm| Ho$ {bE Eg.E‘.Eg. AbQ>© ^r ôOo OmVo h¡. B§Q>aZoQ> ~¢qH$J na bm°J-BZ H$aZo na àUmbr ‘| bm°J-BZ H$aZo Ho$ {bE J«mhH$m| H$mo Eg.E‘.Eg. ôOm OmVm h¡.

ImVo H$m ‘m{gH$ {ddaU B©-‘ob Ho$ ‘mÜ`‘ go J«mhH$m| Ûmam n§OrH¥$V B©-‘ob AmB©.S>r. na ôOm OmVm h¡.

23.6.11 B© - Ho$.dmB©.gr. H$m`m©Ýd`Z :

nhMmZ YmoImY‹S>r, XñVmdoOm| H$s OmbgmOr H$s OmopI‘ H$mo H$‘ H$aZo Ho$ {bE VWm H$mJO a{hV Ho$.dmB©.gr. gË`mnZ Ho$ {bE ~¢H$ Zo B©-Ho$.dmB©.gr. godm H$m àma§^ {H$`m h¡.

Bg gw{dYm Ho$ ‘mÜ`‘ go, Omo J«mhH$ ImVm ImobZm MmhVo h¢ do Am°ZbmB©Z gw{dYm Ho$ ‘mÜ`‘ go Ho$.dmB©.gr. gË`mnZ àmá H$a gH$Vo h¢ `{X do AmYma Ho$ {bE n§OrH¥$V h¡.

23. 7 ZoQ>dH©$ AmYm[aV godmE§ VWm Cn`moJ:

23.7.1 J«mhH$ g§Vw{ï> Ho$ Ñ{ï>JV Bg ‘yb^wV gw{dYm H$mo ‘mÜ`‘ ~ZmZo Ho$ {bE Ed§ CZHo$ g¥OZ go ã`mO Xam| H$m Xmàm ~T>mZo H$s Ñ{ï> go, ~¢H$ Zo {ZåZmZwgma {d{^Þ ZoQ>dH©$ AmYm[aV CËnmX d godmE§ Ama§^ H$s h¡…

gr.~r.Eg. EpßbHo$eZ,

E.Q>r.E‘. /So>{~Q> H$mS©>,

B§Q>aZoQ> ~¢qH$J,

‘mo~mB©b ~¢qH$J,

Q>¡~ ~¢qH$J,

‘mBH«$mo E.Q>r.E‘.,

{~H«$s Ho$ÝÐ godmE§,

dr.nr.EZ. Ho$ ‘mÜ`‘ go AëQ´m ñ‘m°b emImE§,

pñdâQ>,

MoH$ Q´§Ho$eZ àUmbr (gr.Q>r.Eg.),

Ama.~r.AmB©. ^wJVmZ àUmbr O¡go Ama.Q>r.Or.Eg. Am¡a EZ.B©.E’$.Q>r. Am{X,

H$m°nm}aoQ> B©-‘ob,

B§Q´mZoQ>,

AmB©.nr. Q>o{b’$moZr,

dr{S>`mo H$m°Ý’$a§qgJ,

So>Q>m A§VaU Am¡a [a‘moQ> gnmoQ>©,

AÝ` EpßbHo$eZ AWm©V E.Eb.E‘./E.E‘.Eb., Am°ZbmB©Z VwbZnÌ Am{X

`y.nr.AmB©.

23.7.2 ~¢H$ H$s AnZr do~gmBQ> h¡ {Og‘| ZoQ>rOZ Ho$ AZwHy$b {deofVmE§ ‘m¡OyX h¢ O¡go {H$ emIm g§Ho$VH$, H¡$bHw$boQ>a, Xmohar pŠbH$ ZodrJoeZ àUmbr BË`m{X. do~‘mñQ>a {Za§Va AmYma na do~gmBQ> H$mo AÚVZ Ed§ J{Verb ~ZmE aIVm h¡.

gyMZm àm¡Úmo{JH$s H$s gwÑ‹T> ‘yb^yV gw{dYmAm| Ho$ gmW, ~¢H$ J«mhH$ H$mo àm¡Úmo{JH$s Ho$ ‘mÜ`‘ go ~ohVa gw{dYmE§ XoZo Ho$ {bE V¡`ma h¡.

23.7.3 df© 2017-18 Ho$ Xm¡amZ ZE H$m`m©Ýd`Z {ZåZmZwgma h¢ :

nr.Amo.Eg. gw{dYm H$s IarX Am¡a H$m`m©Ýd`Z

H$mS©> Omar H$aZo dmbr EO|{g`m| O¡go EZ.nr.gr.AmB©., drgm Am¡a ‘mñQ>a H$mS©> go à‘mUrH$aU Ho$ ~mX nr.Amo.Eg. B§Ý’«$mñQ´ŠMa H$mo g§Mm{bV {H$`m J`m.

{dÎmr` df© 2017-18 Ho$ Xm¡amZ ~¢H$ Zo 7565 nr.Amo.Eg. Q>{‘©Zb àgm[aV {H$E h¢, {OZ‘| go 302 nr.Amo.Eg. Q>{‘©Zbm| H$mo Q>rà 5 Am¡a 6 H|$Ðm| ‘| àgm[aV {H$`m J`m h¡.



23.7.4 H$m°b g|Q>a : ~¢H$ Zo ~ohVa J«mhH$ godm àXmZ H$aZo Ho$ {bE nyU©V… AmB©.dr.Ama. AmYm[aV H$m°b g|Q>a ewé {H$`m h¡. H$m°b g|Q>a Ho$ ‘mÜ`‘ go J«mhH$ {H$gr ^r g‘` {H$gr ^r ñWmZ go XoZm ~¢H$ go Ow‹S> gH$Vm h¡. Bg AmB©.dr.Ama. AmYm[aV H$m°b g|Q>a H$m Cn`moJ H$a J«mhH$ {d{^Þ boZ-XoZ AWm©V ~H$m`m eof H$s nyN>VmN>, Z`m E.Q>r.E‘. {nZ OZaoQ> H$aZm, H$mS©> ãbm°H$ H$aZm, Cn`moJH$Vm© Ûmam {nZ ^ybZo Ho$ ‘m‘bo ‘| E.Q>r.E‘. {nZ [agoQ> H$aZm, MoH$ ^wJVmZ H$mo amoH$Zm, B©-‘ob na ImVm {ddaU àmßV H$aZm. Am{X H$m`© H$a gH$Vo h¢.

23.7.5 r‘ AmYma : ~¢H$ Zo {dÎmr` df© 17-18 Ho$ Xm¡amZ ^r‘ AmYma XoZm H$s ewéAmV H$s h¡, Omo EH$ AmYma AmYm[aV {S>{OQ>b wJVmZ ñdrH¥${V g‘mYmZ h¡, Omo XoZm ~¢H$ ì`mnm[a`m| H$mo q’$JaqàQ> ñH¡$Za go Ow‹S>o AnZo E§S´m°BS> ñ‘mQ>©’$moZ H$m à`moJ H$aHo$ ^wJVmZ ñdrH$ma H$aZo ‘| gj‘ ~ZmVm h¡. {dÎmr` df© 2017-18 Ho$ Xm¡amZ ~¢H$ Zo ^r‘ AmYma godmAm| Ho$ A§VJ©V 13,029 ì`mnm[a`m| H$mo em{‘b H$a {b`m h¡.

gyMZm àm¡Úmo{JH$s H$s gwÑ‹T> ‘yb^yV gw{dYmAm| Ho$ gmW, ~¢H$ J«mhH$ H$mo àm¡Úmo{JH$s Ho$ ‘mÜ`‘ go ~ohVa gw{dYmE§ XoZo Ho$ {bE V¡`ma h¡.

24. J«mhH$ godm

24.1 ~¢H$ J«mhH$ godm ‘| gwYma bmZo Am¡a J«mhH$m| H$s AnojmAm| H$mo nyam H$aZo Ho$ {bE {Za§Va à`mg H$a ahm h¡. ~¢H$ Zo df© Ho$ Xm¡amZ J«mhH$ godmAm|, J«mhH$ A{YH$mam| H$mo gwYmaZo Ho$ {bE Am¡a J«mhH$m| H$s {eH$m`Vm| H$m {ZnQ>mZ H$aZo Ho$ {bE {ZåZmZwgma nhb H$s h¡.

{ddaU {ZåZmZwgma h¡ :

1. ~¢H$ Zo {XZm§H$ 05.06.2017 go 12.06.2017 VH$ J«mhH$m| ‘| OmJê$H$Vm bmZo Ho$ {bE ~r.gr.Eg.~r.AmB©. H$moS>, J«mhH$ A{YH$ma BË`m{X Ho$ ~mao ‘| J«mhH$ godm gwÑ‹T> H$aZo hoVw J«mhH$ OmJê$H$Vm gámh H$m Am`moOZ {H$`m Wm.

2. ~¢H$ Zo E.Q>r.E‘., àm¡Úmo{JH$s Am¡a AÝ` {S>{OQ>b CËnmXm| go g§~§{YV J«mhH$ {eH$m`Vm| H$mo H$‘ H$aZo Ho$ {bE ~¢H$m| Ho$ {S>{OQ>b CËnmXm| Ho$ ~mao ‘| J«mhH$ OmJê$H$Vm n¡Xm H$aZo Ho$ {bE g^r emImAm| ‘| {XZm§H$ 16.12.2017 go 20.12.2017 VH$ {S>{OQ>b nmR>embm H$m Am`moOZ {H$`m.

3. ~¢H$ Zo H$mS©> H$mo AdéÕ H$aZo, E.Q>r.E‘. {nZ H$mo nwZ… àmßV H$aZo Ho$ {bE AmB©.dr.Ama. gm¡ë`yeZ Ama§^ {H$`m h¡, Omo J«mhH$ Ûmam CZHo$ n§OrH¥$V ‘mo~mBb Z§~a (Ama.E‘.EZ.) Ho$ ‘mÜ`‘ go {H$`m Om gH$Vm h¡, {Oggo emIm H$m Xm¡am Am¡a H$m`©-Ad{Y H$mo H$‘ {H$`m Om gH$Vm h¡.

4. ‘mo~mBb ~¢qH$J godmAm| H$mo ~ohVa ~ZmZo Ho$ {bE ‘mo~mBb ~¢qH$J Eon H$m Z`m dO©Z ewé {H$`m J`m h¡.

5. B§Q>aZoQ> ~¢qH$J H$mo J«mhH$m| Ho$ gw{dYmZwHy$b ~ZmZo Ho$ {bE ZB© gw{dYmE§ em{‘b H$s JB© h¢.

24.2 J«mhH$m| H$s {eH$m`Vm| H$m {ZdmaU

~¢H$ Zo {eH$m`V {ZdmaU V§Ì ñWm{nV {H$`m h¡, {Og‘| ~¢H$ Ho$ J«mhH$ ~¢H$ H$s do~gmBQ> www.denabank.com na CnbãY qbH$ Ho$ ‘mÜ`‘ go AnZr {eH$m`V XO© H$a gH$Vo h¢. àUmbr Ûmam {eH$m`V g§»`m OZaoQ> H$s OmVr h¡, Omo J«mhH$ Ho$ n§OrH¥$V ‘mo~mB©b g§»`m na ñdM{bV én go gy{MV H$s OmVr h¡. {eH$m`VH$Vm© do~gmBQ> na CnbãY qbH$ Ho$ ‘mÜ`‘ go AnZr {eH$m`Vm| H$s pñW{V ^r XoI gH$Vm h¡. ~¢H$ H$s Q>mob ’«$s g§»`m 18002336427 Ho$ ‘mÜ`‘ go {eH$m`Vm| H$m n§OrH$aU {H$`m Om gH$Vm h¡. B©-‘ob / Q>o{b’$moZ / nÌ `m gr.nr.Or.Ama.E.E‘.Eg. / AmB©.EZ.Or.Ama.E.E‘. nmoQ>©b Ho$

‘mÜ`‘ go àmßV {eH$m`Vm| H$mo ^r ~¢H$ H$s Am°ZbmB©Z nmoQ>©b ‘| XO© {H$`m OmVm h¡. {ZYm©[aV Ad{Y go A{YH$ Ho$ {bE {ZnQ>mZ Z JB© {eH$m`Vm| H$s g‘rjm ‘hmà~§YH$, H$m°nm}aoQ> Am`moOZm {d^mJ Ûmam H$m°nm}aoQ> H$m`m©b` ‘| H$s OmVr h¡, Omo {eH$m`Vm| Ho$ {bE ‘w»` ZmoS>b A{YH$mar ^r h¢, CZHo$ g§nH©$ {ddaU emImAm| Am¡a ~¢H$ H$s do~gmBQ> na àX{e©V {H$E JE h¢.

24.3 J«mhH$ godm H$s H$m`©{d{Y Ed§ H$m`© {ZînmXZ boIm narjm Ho$ g§~§Y ‘| ñWm`r g{‘{V

J«mhH$ godm na EH$ ñWm`r g{‘{V H$m JR>Z {H$`m J`m h¡ {OgHo$ à‘wI, AÜ`j Ed§ à~§Y {ZXoeH$ / H$m`©nmbH$ {ZXoeH$ (H$m|) hmoVo h¡, ‘hm à~§YH$ (g§gmYZ, Am`moOZm, ZmoS>b A{YH$mar), ‘hmà~§YH$ (gy.V.), ‘hmà~§YH$ (gmI) VWm VrZ Zm{‘V J«mhH$ g{‘{V Ho$ gXñ` h¢. ‘w§~B© Ho$ ~mha Ho$ A§Mbm| Ho$ A§Mb à~§YH$ Am¡a emImAm| Ho$ J«mhH$ {d{S>`mo H$m°Ý’«o$§qgJ go CnpñWV ahVo h¢. àË`oH$ {V‘mhr ~¡R>H$m| Ho$ {bE ‘w§~B© H$s AbJ-AbJ emImAm| go ^r Hw$N> J«mhH$m| H$mo CZHo$ A§Mb à~§YH$ / Cn A§Mb à~§YH$ Ho$ gmW {deof én go Am‘§{ÌV {H$`m OmVm h¡. {dÎmr` df© 2017-18 Ho$ Xm¡amZ, Bg àH$ma H$s A§{V‘ ~¡R>H$ {XZm§H$ 23.03.2018 H$mo Am`mo{OV hþB© Wr.

24.4 Cn`w©º$ Ho$ A{V[aº$, ~¢H$ Zo Cƒ ñVa na ^r {ZXoeH$ ‘§S>b H$s J«mhH$ godm g{‘{V H$m JR>Z {H$`m h¡, Omo J«mhH$ godm H$s JwUdÎmm ~‹T>mZo Ed§ J«mhH$ g§Vw{ï> Ho$ ñVa ‘| gwYma Ho$ g§~§Y ‘| gbmh XoVr h¡, A§Mb H$m`m©b` Am¡a emIm ñVa na J«mhH$ godm g{‘{V H$s ~¡R>H|$ ‘m{gH$ én ‘| Am`mo{OV H$s OmVr h¢ Vm{H$ {eH$m`Vm| / gwPmdm|, {db§~ Ho$ ‘m‘bm|, J«mhH$m| H$s H${R>ZmB`m| Ho$ AÜ``Z Ho$ {bE J«mhH$m| Am¡a ~¢H$ Ho$ ~rM g§àofU H$m Am¡nMm[aH$ M¡Zb Ama§^ hmo gHo$ Am¡a J«mhH$ godm ‘| gwYma Ho$ Cnm` {H$`o Om gH|$. J«mhH$ godm H$j {eH$m`Vm| Ho$ ‘yb H$maU H$m {dûcofU ^r H$aVm h¡ Am¡a {Za§Va gwYma Ho$ {bE gwYmamË‘H$ Cnm` H$aVm h¡.

24.5 J«mhH$m| Ho$ hoVw ~¢H$ H$s à{V~ÕVm H$s AmMma g§{hVm

maVr` [aOd© ~¢H$, ^maVr` ~¢H$ g§K Am¡a gXñ` ~¢H$m| Ho$ gh`moJ go ^maVr` ~¢qH$J g§{hVm Am¡a ‘mZH$ ~moS©> (~r.gr.Eg.~r.AmB©.) Zo J«mhH$m| Ho$ {bE ~¢H$ à{V~ÕVm H$moS> {dH${gV {H$E h¡. EH$ ñd¡pÀN>H$ H$moS>, Omo ~¢H$m| Ho$ {bE ì`{º$JV J«mhH$m| go ì`dhma Ho$ {bE Ý`yZV‘ ‘mZH$ {ZYm©[aV H$aVm h¡ H$m Ama§^ ^maVr` [aOd© ~¢H$ Ûmam J{R>V ^maVr` ~¢qH$J H$moS> Ed§ ‘mZH$ ~moS©> Ûmam {H$`m J`m Wm. `h J«mhH$ H$mo gwajm àXmZ H$aVm h¡ Am¡a ~¢H$ Ho$ J«mhH$m| go X¡Z§{XZ n[aMmbZ Ho$ Xm¡amZ Ano{jV ì`dhma H$s OmZH$mar XoVm h¡. ^maVr` ~¢qH$J H$moS> Am¡a ‘mZH$ ~moS©> Ho$ A{YH$mar H$moS> Ho$ AZwnmbZ Ho$ ñVa H$mo gË`m{nV H$aZo Am¡a ‘yë`m§H$Z H$aZo Ho$ {bE ~¢H$ emImAm| Ho$ Xm¡ao H$aVo h¢. BZ Xm¡am| Ho$ AmYma na ~¢H$m| H$mo aoqQ>J Xr OmVr h¡.

gdm}Îm‘ ì`dhma (Hy$Q> Am¡a ‘mZH$) H$mo à{Vq~{~V H$aZo Ho$ Ý`yZV‘ ‘mZX§S> Ho$ g‘j ~¢H$m| Ho$ H$m`©{ZînmXZ H$mo Am§H$Zo Ho$ {bE ^maVr` [aOd© ~¢H$ Zo ^maVr` ~¡qH$J H$moS> Am¡a ‘mZH$ ~moS©> H$s ñWmnZm H$s h¡. ~¢H$ Zo J«mhH$m| Ho$ {bE ~¢H$m| H$s à{V~ÕVmAm| H$m H$moS> AnZm`m h¡ VWm dh BgHo$ AZwnmbZ hoVw nyU©V… à{V~Õ h¡.

h‘mam ~¢H$ ^maVr` ~¢qH$J H$moS> Ed§ ‘mZH$ ~moS©> H$m gXñ` h¡ Ed§ ~¢H$ H$s Amoa go ‘hmà~§YH$ Ho$ ñVa H$m EH$ erf© H$m`©nmbH$ ~¢H$ H$s Amoa go ‘H$moS> AZwnmbZ A{YH$mar’ Ho$ én ‘| {Z`wº$ {H$`m J`m h¡.



24.6 Am§V[aH$ bmoH$nmb

Xm‘moXaZ g{‘{V H$s {g’$m[aem| Ho$ AZwgma, ~¢H$ Ûmam Xr OmZo dmbr MwqZXm godmAm| go g§~§{YV {eH$m`Vm| Ho$ {ZdmaU `m Eogr {eH$m`Vm| Ho$ {ZnQ>mZ `m VmofU nyd©H$ gwbPmZo Ho$ CÔoí` go Am§V[aH$ bmoH$nmb àUmbr (AmB©.Amo.) H$mo àñVwV {H$`m h¡. ~¢H$ H$m Am§V[aH$ bmoH$nmb, {eH$m`V {ZdmaU V§Ì H$mo gj‘ H$aoJm Am¡a ~¢qH$J bmoH$nmb H$s ~‹T>Vr {eH$m`Vm| H$mo H$‘ H$aZo ‘| ‘XXJma gm{~V hmoJm.

~¢H$ Ho$ ñVa na g^r AñdrH¥$V / Am§{eH$ ê$n go AñdrH¥$V {eH$m`Vm| H$mo {eH$m`VH$Vm© H$mo A§{V‘ {ZU©` gy{MV H$aZo go nhbo Am§V[aH$ bmoH$nmb H$mo ôOr OmVr h¡.

25. emIm ZoQ>dH©$ Am¡a {dñVma

25.1 emIm ZoQ>dH©$

df© 2017-18 Ho$ Xm¡amZ, ~¢H$ Zo 2 ‘hmZJar` emImAm| H$m {db` H$a {X`m h¡, {Oggo Xoe Ho$ {d{^Þ ^mJm| ‘| Hw$b emImAm| H$s g§»`m 1872 hmo JB© h¡.

31 ‘mM©, 2018 H$mo ~¢H$ H$s emImAm| H$m joÌdma {ddaU Bg àH$ma h¡ :

joÌ emImAm| H$s g§»`m Hw$b H$m à{VeV %

J«m‘rU 645 34.46%

AY©ehar 435 23.24%

ehar 359 19.18%

‘hmZJar` 433 23.13%

Hw$b 1872* 100.00%

* 72 AZwf§Jr emImE§ ^r em{‘b h¢.

26. {ZarjU Ed§ AmÝV[aH$ boImnarjm

Xoe a ‘| ’¡$br hþB© ~¢H$ H$s {d{dY emImAm| Ho$ H$m`m] na à^mdr {Z`§ÌU Ed§ n`©dojU aIZo hoVw ~¢H$ ‘| Am§V[aH$ àUmbr nhbo go hr ‘m¡OyX h¡. emImAm|, joÌr` H$m`m©b`m| VWm àYmZ H$m`m©b` Ho$ {d^mJm| H$s boImnarjm Ho$ g§~§Y ‘| ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem| H$m AZwnmbZ H$aZo hoVw {ZarjU {d^mJ g‘` g‘` na Am§V[aH$ {ZarjH$m| VWm ~mhar gZXr boImH$mam| H$s ’$‘m] VWm gr.AmB©.Eg.E. / S>r.AmB©.Eg.E. Ah©Vm àmá gyMZm à~§YZ boImnarjH$m| Am{X Ho$ Ûmam {d{dY àH$ma H$s boImnarjmE§ g§Mm{bV H$aVm h¡.O~ H$^r Amdí`H$ hmo OmopI‘ AmYm[aV Am§V[aH$ {ZarjU, g‘dVu boIm narjm, à~§YZ boIm narjm, gyMZm àUmbr boImnarjm, amOñd boImnarjm, gmI boImnarjm VWm Am¡{MË` boImnarjm H$s OmVr h¡. BgHo$ A{V[aº$ O~ H$^r Amdí`H$ hmo AH$ñ‘mV boIm narjm ^r H$s OmVr h¡.BZ {H«$`mH$bmnm| Ho$ {bE Cn`wº$ XñVmdoO V¡`ma {H$E JE h¢ Am¡a `h ‘§S>b Ûmam AZw‘mo{XV Zr{V`m| Ho$ AZwgma {H$E OmVo h¢. BZ Zr{V`m| H$mo ^maV gaH$ma VWm {Z`m‘H$ Ûmam Omar ZE {Xem{ZXoem|, `{X H$moB© hm|, H$mo em{‘b H$aVo hþE g‘`-g‘` na AÚVZ {H$`m OmVm h¡.

df© Ho$ Xm¡amZ `moOZm Ho$ AZwgma, ~¢H$ Zo Am§V[aH$ ê$n ‘| à{e{jV boIm narjH$m| Ho$ ‘mÜ`‘ go 1320 emImAm| H$m Ama.~r.AmB©.E. (OmopI‘ AmYm[aV Am§V[aH$ boIm narjm) {H$`m J`m.erK« AZwnmbZ Ho$ {bE {d{^Þ ñVam| na ZmoS>b A{YH$mar {Z`wº$ {H$E JE h¢.àUmbr H$m AZwnmbZ Ah‘Xm~mX, ZB© {X„r Am¡a ‘w§~B© ‘| pñWV 3 {ZarjU H$jm| Ho$ ‘mÜ`‘ go {Za§Va {ZJamZr H$s OmVr h¡.JwUmË‘H$ AZwnmbZ g§ñH¥${V bmZo Ho$ H«$‘ ‘| OmopI‘ AmYm[aV gm§d{YH$ boImnarjm H$mo AmZbmB©Z [anmo{Qª>J àUmbr Ho$

A§VJ©V bm`m J`m h¢. gmI boIm ^r Am§{eH$ ê$n go Am°ZbmBZ [anmo{Qª>J àUmbr Ho$ A§VJ©V bm`m J`m h¡. df© Ho$ Xm¡amZ Ho$Ðr` Am°’$-gmBQ> {ZJamZr gob (gr.Amo.Eg.gr.) H$mo àYmZ H$m`m©b` VWm A§Mb H$m`m©b`m| ‘| ~‹S>o ‘yë` Ho$ boZXoZ, {Z{H«$` / ZE ImVo, AgmYmaU à{d{ï>`m§ VWm g§{X½Y boZXoZ H$s {ZJamZr H$mo gË`m{nV H$aZo Ho$ {bE H$m`m©Ë‘H$ {H$`m J`m. àYmZ H$m`m©b` ‘| OmopI‘ AmYm[aV n`©dojU (Ama.~r.Eg.) H$mo n[aMm{bV {H$`m J`m h¡.

27. gVH©$Vm Am¡a YmoImY‹S>r {ZJamZr :

~¢H$ Ho$ gVH©$Vm {d^mJ H$m à‘wI ‘w»` gVH©$Vm A{YH$mar (gr.dr.Amo) hmoVm h¡. gr.dr.Amo H$mo gVH©$Vm {d^mJ Ho$ {XZ-à{V-{XZ Ho$ H$m`© H$aZo Ho$ {bE ghm ‘hmà~§YH$ (gVH©$Vm) Am¡a AÝ` H$‘©Mm[a`m| Ûmam ghm`Vm àXmZ H$s JB© h¡. joÌr` H$m`m] Ho$ {bE, gVH©$Vm A{YH$marJU, àYmZ H$m`m©b` (EM. dr.Amo.) H$mo ~¢H$ ‘| gVH©$Vm H$m`m] H$m à~§Y Ho$ {bE {d{^Þ ^m¡Jmo{bH$ H|$Ðm| na V¡ZmV {H$E JE h¢.

{d^mJ gy{MV YmoImY{‹S>`m| H$s H$m`©àUm{b`m| VWm CZH$s amoH$Wm‘ Ho$ {bE {H$E JE Cnm`m| Ho$ ~mao ‘| H$‘©Mm[a`m| H$mo OmZH$mar XoVm h¡ Am¡a Bg àH$ma {ZdmaH$ gVH©$Vm {H«$`mH$bmnm| na A{YH$ ~b {X`m OmVm h¡. {d^mJ YmoImY{‹S>`m| ‘| gpå‘{bV H$‘©Mm[a`m| H$s ^y{‘H$m Am¡a X§S> {XE OmZo VH$ CZHo$ pIbm’$ H$s OmZodmbr H$ma©dmB© na ^r {ZJamZr aIVm h¡. gVH©$Vm A{YH$mar YmoImY{S>`m| H$s Om§M H$aVo h¢ Am¡a àUm{b`m| Am¡a nÕ{V`m| Ho$ C„§KZ H$s OmZH$mar ^r àmá H$aVo h¡ Am¡a Bg àH$ma H$s YmoImY{‹S>`m§ Xmo~mam hmoZo go amoH$Zo Ho$ {bE gwYma Ho$ Cnm` ^r ~VmVo h¢. BgHo$ A{V[aŠV, g^r AZwemgZmË‘H$ ‘m‘bm| ‘| ñQ>m’$ Ho$ {dê$Õ MyH$ Ho$ Amamon Omar H$aZo H$s H$ma©dmB© àma§^ H$s JB©. ‘m‘bo `{X H$mB© hmo, Vmo gVH©$Vm Ñ{ï>H$moU go Cgo {ZYm©[aV H$aZo Ho$ {bE ‘w»` gVH©$Vm A{YH$mar H$mo ôOo OmVo h¢.

gVH©$Vm àemgZ Ho$ ~mao ‘| A§Mb gVH©$Vm A{YH$m[a`m| H$mo AÚVZ OmZH$mar XoZo Ho$ {bE dm{f©H$ H$m`©embmE§ Am`mo{OV H$s OmVr h¡. gVH©$Vm A{YH$m[a`m| H$mo H$m¡eb {dH$mg H$a gj‘ ~ZmZo Ho$ {bE ~mø ñVa na Am`mo{OV JwUdÎmm à{ejU H$m`©H«$‘m| ‘| gh^mJr hmoZo Ho$ {bE Zm{‘V {H$`m OmVm h¡.

ì`mnH$ ê$n go, gVH©$Vm àemgZ H$mo {ZdmaH$, X§S>mË‘H$ Am¡a {ZJamZr / nhMmZ `mo½` Ho$ ê$n ‘| dJuH¥$V {H$`m Om gH$Vm h¡.

gVH©$Vm {d^mJ ‘w»` én go H$‘©Mm[a`m| H$mo {dgb ãbmoAa Zr{V Ho$ ~mao ‘| {e{jV H$aZo, àUmbr Am¡a à{H«$`mAm| Ho$ AZwnmbZ Ho$ {bE OmJê$H$Vm bmZo, [anmoQ>© H$s JB© YmoImY‹S>r Ho$ ‘m‘bm| Ho$ H$m`© àUmbr Am¡a {ZdmaH$ Cnm`m| Ho$ gwPmd XoVo hþE {ZdmaH$ gVH©$Vm J{V{d{Y`m| na ~b Xo ahm h¡.

emImAm| ‘| {ZdmaH$ gVH©$Vm Aä`mg A§Mb gVH©$Vm A{YH$m[a`m| Ed§ àYmZ H$m`m©b` Ho$ gVH©$Vm A{YH$m[a`m| Ûmam {Z`{‘V AmYma na Am`mo{OV H$s OmVr h¡. nr.dr.S>r Ho$ Xm¡amZ, gVH©$Vm A{YH$marJU, {ZdmaH$ gVH©$Vm Aä`mg gVH©$Vm {d^mJ Ûmam àXmZ {H$E JE àmê$n Ho$ AmYma na Am`mo{OV H$aVo h¡ Am¡a CgH$s [anmoQ>© A§Mb à~§YH$ H$mo àñVwV H$aVo h¡. do {ZdmaH$ gVH©$Vm Ho$ {bE ZdrZV‘ KQ>ZmAm| Ho$ g§~§Y ‘| {H$E Om aho Cnm`m| Ho$ ~mao ‘| ñQ>m’$ H$mo OmJê$H$ ~ZmVo h¡.

emIm ñVa na {ZdmaH$ gVH©$Vm g{‘{V`m| H$m JR>Z {H$`m J`m h¡ Omo gVH©$Vm {d^mJ Ûmam n[aMm{bV YmoImY{‹S>`m| H$s àUm{b`m| Ho$ ~mao ‘| {dMma {d‘e© H$aVo h¡ {Oggo YmoIo~mOm| ~¢H$ ‘| H$s OmZodmbr YmoImY‹S>r H$mo amoH$m Om gHo$.

EH$ gámh H$s Ad{Y dmbo àËòH$ à{ejU nmR>µ`H«$‘ ‘| Z¡{VH$ ì`dhma Am¡a na ì`m»`mZ {XE OmVo h¢. AnZo H$V©ì`m| Ho$ {Zdm©h ‘| CZHo$ Ûmam AnZmE



OmZodmbo gVH©$Vm Cnm`m| Ho$ ~mao ‘| ñQ>m’$ gXñ`m| H$mo OmZH$mar XoZo Ho$ {bE gVH©$Vm OmJ¥{V gámh ‘Zm`m J`m.

~¢H$ Zo AnZo {hVYmaVm| H$s OmZH$mar Ho$ {bE gVH©$Vm àemgZ Ho$ g§~§Y ‘| g^r AZwXoem| H$mo em{‘b H$aVo hþE gVH©$Vm AZwXoe nwñVH$ ^r Omar {H$`m h¡. gVH©$Vm AZwXoe nwñVH$ H$mo {Xg§~a 2016 ‘| A§{V‘V… AÚVZ {H$`m J`m Wm. BgHo$ A{V[aŠV, {d^mJ Zo AnZo g^r {hVYmaH$m| H$s OmZH$mar Ho$ {bE gr.dr.gr. ‘¡Ý`wAb 2017 H$mo ~¢H$ H$s B§Q´mZoQ> gmB©Q> na AnbmoS> ^r {H$`m J`m h¡.

27.2 YmoImY‹S>r {ZJamZr H$j

YmoImYS>r {ZJamZr H$j ñdV§Ì ‘hmà~§YH$ Ho$ {ZX}eZ Am¡a {Z`§ÌU Ho$ A§VJ©V H$m`© H$a ahm h¡.

YmoImY‹S>r H$s KQ>ZmAm| H$mo A§Mbm| Ûmam àYmZ H$m`m©b` Ho$ YmoImY‹S>r {ZJamZr H$j H$mo [anmoQ>© {H$`m OmVm h¡. E’$.E‘.gr. CgH$s g§drjm Ho$ gmW, AÜ`j Ed§ à~§Y {ZXoeH$ / H$m`©nmbH$ {ZXoeH$ H$mo ZmoQ> àñVwV H$aVm h¡ Am¡a CgH$m AZw‘moXZ àmßV hmoZo Ho$ níMmV E’$E‘Ama -1 Ho$ ‘mÜ`‘ go ^maVr` [aOd© ~¢H$ H$mo YmoImY‹S>r H$s [anmoQ>© H$s OmVr h¡.

H$m`m©Ë‘H$ ‘hmà~§YH$ H$mo g‘m{dîQ> H$a, YmoImY‹S>r OmopI‘ à~§YZ g{‘{V [anmoQ>© H$s JB© YmoImY‹S>r H$m ‘yë`m§H$Z H$aZo Am¡a àUmbr Am¡a {Z`§ÌU Ho$ CZ joÌm| H$s nhMmZ H$aZo Ho$ {bEAmd{YH$ ê$n go ~¡R>H|$ Am`mo{OV H$aVo h¢, {OÝh| YmoImY‹S>r H$s nwZamd¥{Îm H$mo amoH$Zo Ho$ {bE gwÑ‹T> ~ZmZo H$s Amdí`H$Vm h¡.

~‹S>o ‘yë` H$s YmoImY{S>`m| H$s {deof g{‘{V ‘§S>b H$s Cn-g{‘{V, ~‹S>o ‘wë` H$s YmoImY‹S>r H$s H$m`©àUmbr na {dMma H$aVr h¡ Am¡a Bg àH$ma H$s YmoImY{S>`m| H$mo amoH$Zo Ho$ Cnm` ^r ~VmVr h¡.

YmoImY‹S>r {ZJamZr H$j ‘§S>b H$mo d¡`{º$H$ YmoImY{S>`m|, Eogo YmoImY{S>`m| H$mo amoH$Zo Ho$ {bE {H$E OmZo dmbo Cnm`m|, H$‘©Mm[a`m| Ho$ {dê$Õ Ama§^ H$s JB© H$ma©dmB© Am¡a Xmà ‘m‘bm| H$s pñW{V Ho$ ~mao {dËVr` godmE§ {d^mJ/ H|$Ðr` gVH©$Vm Am`moJ VWm ^maVr` [aOd© ~¢H$ H$mo H$j Ûmam Amd{YH$ [anmoQ>© àñVwV H$s OmVr h¡.

28. amO^mfm

1. ~¢H$ AmbmoÀ` {dÎmr` df© Ho$ Xm¡amZ AnZo à`mgm| H$s nhMmZ Ho$ ‘mnXÊS> Ho$ ê$n ‘| amO^mfm qhXr H$mo ~T>mZo ‘| AJ«Ur ahm.

2. nwañH$ma

AmbmoÀ` df© Ho$ Xm¡amZ,

ZJa amO^mfm H$m`m©Ýd`Z g{‘{V (~¢H$) Ûmam amO^mfm Ho$ loîR> H$m`© {ZînmXZ Ho$ {bE h‘mao A§Mb H$m`m©b` Zm{eH$, bw{Y`mZm, CËVa ^maV, amOH$moQ>, XwJ©, R>mUo, h¡Xam~mX, nwUo Am¡a M¡ÝZo H$mo {d{^ÝZ nwañH$ma àXmZ {H$E JE.

3. à{ejU

~¢H$ Zo amO^mfm qhXr Ho$ à`moJ H$mo AmJo ~T>mZo Ho$ {bE {deof à{ejU H$m`©H«$‘ H$m Am`moOZ {H$`m. {dÎmr` df© Ho$ Xm¡amZ 126 {hÝXr H$m`©embmAm| H$m Am`moOZ {H$`m J`m, {Og‘| 1905 ñQ>m’$ H$‘©Mm[a`m| H$mo à{e{jV {H$`m J`m. BgHo$ Abmdm H$‘©Mm[a`m| H$mo AnZm H$m`© {hÝXr ‘| H$aZo hoVw ì`mdhm[aH$ à{ejU XoZo Ho$ {bE So>ñH$ à{ejU H$m`©H«$‘ ^r Am`mo{OV {H$E JE.

4. df© Ho$ Xm¡amZ, g§gXr` amO^mfm g{‘{V H$s Vrgar Cn-g{‘{V Ûmam h‘mao àYmZ H$m`m©b` Am¡a OmoYnwa emIm (O`nwa A§Mb) H$m {ZarjU {H$`m J`m.

1. qhXr gm°âQ>doà

VH$ZrH$s n[adV©Zm| Ho$ gmW gm‘§Oñ` ~ZmE aIVo hþE, ~¢H$ Zo {d{^Þ àemg{ZH$ H$m`m©b`m| VWm A§Mb H$m`m©b`m| Ed§ H$mnm}aoQ> H$m`m©b` ‘| H$m`©aV g^r H§$ß`yQ>am| ‘| {Û^m{fH$ eãX g§gmYZ H$s gw{dYm àXmZ H$s h¡.

H$m`m©b`rZ H$m‘H$mO ‘| qhXr H$m à`moJ ~‹T>mZo Ho$ {bE S>r.AmB©.AmB©.Q>r., ‘w§~B© VWm AÝ` H$‘©Mmar à{ejU H|$Ðm| ‘| {hÝXr gm°âQ>doà H$m`©H«$‘ Am`mo{OV {H$E JE. ~¢H$ Ûmam g§ñWm{nV g^r E.Q>r.E‘. ‘| {Û^m{fH$ EŠgog gw{dYm CnbãY h¡.

6. àMma ‘| qhXr H$m à`moJ

Am‘ OZVm Am¡a J«mhH$m| ‘| AnZr {d{^Þ `moOZmAm| H$m àMma H$aZo Ho$ {bE, h‘mar {d{^Þ `moOZmAm| Ho$ noå’$boQ> Ed§ àMma gm‘J«r {hÝXr ‘| V¡`ma H$aHo$ ‘w{ÐV H$admB© JB©.

7. g‘rjmYrZ df© Ho$ Xm¡amZ ~¢H$ Zo AnZr J¥h n{ÌH$m XoZm Á`mo{V Ho$ g^r A§H$ {d{^Þ ~¢qH$J {df`m| na {deofm§H$ Ho$ én ‘| {Û^mfr én ‘| àH$m{eV {H$ò.

8. VrZm| ^m{fH$ joÌm| (H$, I, J) ‘| pñWV ~¢H$ emImE§ / H$m`m©b` ^maV gaH$ma H$s amO^mfm Zr{V Ho$ H$m`m©Ýd`Z Ho$ ñVa ‘| gwYma H$aZo Ho$ {bE bJmVma à`mg H$a aho h¢ Am¡a h‘mar J«mhH$ godm ‘| gwYma Ho$ {bE Bgo g§àofU H$m ‘w»` ‘mÜ`‘ ~ZmZo Ho$ {bE à`mgaV h¢.

9. H$mnm}aoQ> g§àofU ‘| amO^mfm {hÝXr H$s ^y{‘H$m H$mo ~T>mZo Ho$ {bE VWm h‘mao ñQ>m’$ gXñ`m| H$mo ZdrZV‘ {df`m| Ed§ {d{^Þ {H«$`mH$bmnm| Ho$ ~mao ‘| OmZH$mar XoZo Ho$ {bE, h‘mao àYmZ H$m`m©b` ñVa go, amO^mfm {d^mJ Ûmam g^r emImAm|/{d^mJm| H$mo X¡{ZH$ AmYma na B©-‘ob Ho$ ‘mÜ`‘ go qhXr-A§J«oOr {Q>ßn{U`m§, AmO H$m {dMma Am¡a AmO H$m eãX Ho$ gmW-gmW amO^mfm g§~§Yr {Z`‘m|/ {d{Z`‘m|/`moOZmAm| Am{X Ho$ ~mao ‘| OmZH$m[a`m§ r ôOr OmVr h¡. Vm{H$ amO^mfm {d^mJ (J¥h ‘§Ìmb`) Ûmam {ZYm©[aV dm{f©H$ bú`m| H$mo àmßV {H$`m Om gHo$.

29. gyú‘ Am¡a bKw CÚ‘m| go IarX…

{dÎmr` df© 2017-18 Ho$ Xm¡amZ ~¢H$ Zo {d{^Þ {dH«o$VmAm| go é 8871.17 H$amo‹S> H$s IarX H$s. Bg‘| go E‘.Eg.B©. go H$s JB© IarX é. 783.75 H$amo‹S> h¡ Am¡a CZ‘o go A.Om./A.O.Om. CÚ{‘`m| Ho$ ñdm{‘Ëddmbr E‘.Eg.B©. BH$mB`m| go H$s JB© IarX é.148.08 H$amo‹S> h¡. E‘.Eg.B©. Ho$ bm^ Ho$ {bE BgHo$ {ddaU ~¢H$ H$s do~gmBQ> na àX{e©V {H$E Om aho h¡.

Bg‘| H$moB© gyú‘, bKw Am¡a ‘Ü`‘ CÚ‘ Zht h¡, {Og na ~¢H$ H$s ~H$m`m Xo` hmo, Omo 31 ‘mM© 2018 VH$ 45 {XZm| go A{YH$ Ho$ {bE ~H$m`m h¢. `h OmZH$mar gwú‘, bKw Am¡a ‘Ü`‘ CÚ‘ {dH$mg A{Y{Z`‘, 2006 Ho$ A§VJ©V àH$Q> hmoZo H$s Amdí`H$Vm h¡. Omo Bg gr‘m VH$ {ZYm©[aV {H$`m J`m h¡ {H$ ~¢H$ Ho$ nmg CnbãY gyMZm Ho$ AmYma na Eogr nm{Q©>`m| H$s nhMmZ H$s JB© h¡.

30. {Z`m‘H$ {Xem{ZXoem| H$m AZwnmbZ

H$mnm}aoQ> A{êmgZ Ho$ A§VJ©V {d{^Þ A{Zdm`©VmAm| VWm {d{Z`m‘H$, gaH$ma Am{X Ho$ AZwXoem| H$m AZwnmbZ gw{Z{üV H$aZo Ho$ {bE ~¢H$ Ho$ àYmZ H$m`m©b` go AZwnmbZ {d^mJ H$m`© H$aVm h¡. E.E‘.Eb / Ho$.dmB©.gr. Am¡a nr.E‘.Eb.E. Ho$ VhV {Z`‘m| H$m AZwnmbZ ^r {d^mJ H$s {Oå‘oXmar h¡. ~¢H$ Zo {d{Z`m‘H$ AnojmAm| Ho$ AZwnmbZ H$s [anmo{Qª>J Ho$



{bE EH$ erf© H$m`©nmbH$ dJ© (Q>r.B©.Or) H$mo ‘w»` AZwnmbZ A{YH$mar Ho$ ê$n ‘| nXZm{‘V {H$`m h¡ VWm dh E’$.AmB©.`y-B§{S>`m, ZB© {X„r H$mo AZwnmbZ Ho$ {bE àYmZ A{YH$mar (E.E‘.Eb/Ho$.dmB©.gr.) Ho$ ê$n ‘| ^r nXZm{‘V h¡. ^maV gaH$ma / ^m. [a. ~¢. / AmB©.~r.E / E’$.AmB©.`y Am¡a AÝ` {d{Z`m‘H$/gm§{d{YH$ A{YH$m[a`m| go àmá {d{^Þ {ZX}em|/AZwXoem| Ho$ AZwnmbZ Ho$ {bE ~moS©> H$mo g‘`-g‘` na AdJV H$am`m OmVm h¡. nr.E‘.Eb.E Ho$ ‘m‘bo ‘|, ~¢H$ Ûmam gr.Q>r.Ama./EZ.Q>r.Ama./ gr.gr.Ama./ gr.~r.S>ãë`y.Q>r.Ama. Am¡a Eg.Q>r.Ama. Ho$ AZwnmbZ H$s pñW{V H$mo E.E‘.Eb. / Ho$.dmB©.gr. H$s {Xem ‘| H$s JB© V¡`mar Ho$ gmW ~moS©> Ho$ g‘j aIm OmVm h¡.


AZwnmbZ {d^mJ, dm{f©H$ AmYma Zr{V`m| AWm©V AZwnmbZ Am¡a E.E‘.Eb./Ho$.dmB©.gr. ‘| na AÚVZ Am¡a A{^J«hU Ho$ {bE ~moS©> H$s ‘§Oyar àmá H$a ahm h¡.

AZwnmbZ {d^mJ {Za§Va ê$n go, `h gw{Z{üV H$aVm h¡ {H$ ^maVr` [aOd© ~¢H$ / E’$.AmB©.`y.-B§{S>`m Ûmam CnbãY H$amB© JB© AmV§H$dmXr g§JR>Zm| / ì`{º$`m| H$s gyMr H$mo ~¢H$ H$s B§Q´mZoQ> gmB©Q> na AÚVZ {H$`m OmE {OgH$m Cn`moJ ZE / {dÚ‘mZ ImVm| Ho$ n[aMmbZ H$aVo g‘` joÌm| ‘| H$m`©aV A{YH$m[a`m| Ûmam V¡`ma g§X^© Ho$ ê$n ‘| {H$`m Om gHo$.

g§gmYZ {dH$mg Ho$ {bE, AZwnmbZ {d^mJ {Z`{‘V ê$n go AnZo à{ejU H$m°boO / H|$Ðm| ‘| ~¢H$ H$‘©Mm[a`m| Ho$ {bE AZwnmbZ Am¡a E.E‘.Eb/Ho$.dmB©.gr. na {d{^Þ à{ejU H$m`©H«$‘m| H$m Am`moOZ H$aVm h¡.


I§S H$: ~¢H Ho ~mao _o§ gm_mÝ` OmZH mar

H$m°nm}aoQ> nhMmZ g§»`m (gr.AmB©.EZ.) bmJy Zht

XoZm ~¢H XoZm ~¢H

nVm XoZm H m°nmo©aoQ go§Qa, gr -10, Or ãbm°H , ~m§Ðm Hw bm© H m°åßboŠg, ~m§Ðm nyd©, _w§~B©, _hmamîQ— - 400051

do~gmBQ www.denabank.com

B©_ob AmB©Sr [email protected]@denabank.co.in

{dÎmr¶ df© H$s [anmoQ>© 2017-18

~¢H$ ‘w»` ê$n go AnZo J«mhH$m| H$mo ~¢qH$J Am¡a {dÎmr` godmE§ àXmZ H$aZo ‘| H$m`©aV h¡ Am¡a ~¢H$ Ho$ A{YH$m§e CËnmXm| Am¡a godmAm| H$mo ‘w»`V… VrZ lo{U`m| ‘| ~m§Q>m J`m h¡:

1. O‘m - ‘yb ~MV ~¢H$ ImVm, XoZm ZH$X à‘mUnÌ, XoZm gmd{Y O‘m `moOZm, XoZm ’«$sS>‘ O‘m `moOZm, XoZm OrdZ ~MV ImVm, XoZm F$U qbŠS> AmdVu O‘m `moOZm, XoZm ‘hm Q>¡Šg ~MV `moOZm, XoZm bKw ~MV `moOZm, XoZm ßbo{Q>Z‘ Mmby ImVm `moOZm, XoZm AmdVu O‘m `moOZm, XoZm g‘¥{Õ O‘m `moOZm, XoZm go{d{’$Šg O‘m `moOZm, XoZm d[aîR> ZmJ[aH$ `moOZm, XoZm ór e{º$, XoZm gwna àr{‘`‘ Mmby ImVm, Am°ZbmBZ ‘r`mXr {S>nm°{OQ>, àr{‘`‘ Mmby ImVm `moOZm, àr{‘`‘ ~MV ImVm `moOZm Am{X.

2. F$U Am¡a A{J«‘ - H$mnm}aoQ> F$U (e¡{jU Am{VÏ` gaH$ma ^y g§nXm ‘Zmoa§OZ Am¡a AñnVmb CÚmoJ Ho$ {bE {deof `moOZm), XoZm Cn^moº$m {Q>H$mD$ F$U, XoZm S>m°ŠQ>a +, XoZm JmoëS> F$U `moOZm, g§n{Îm Ho$ g‘j XoZm F$U `moOZm, XoZm {Zdmg Amdmg {dÎm `moOZm, gr.E. Ho$ {bE XoZm àmo’o$eZb F$U `moOZm, gr.Eg. Am¡a gr.E’$.E, XoZm {H$am`m `moOZm ({H$am`m àm{á`m| Ho$ g‘j {dÎm), XoZm d[aîR> ZmJ[aH$ n|eZg© F$U `moOZm, XoZm gw{dYm (ì`{º$JV F$U) `moOZm, XoZm ì`mnma {dÎm `moOZm, XoZm dmhZ F$U `moOZm, XoZm {dÚm bú‘r e¡j{UH$ F$U `moOZm, AmB©.~r.E. ‘m°S>b H$m¡eb F$U `moOZm / H$m¡eb F$U `moOZm Am{X.

3. AÝ` - E.Eg.~r.E, ~¢H$~r‘m, S>r‘¡Q> godm, XoZm E.Q>r.E‘. H$mS©> godmE§, XoZm ~¢H$ dZ pŠbH$ ^wJVmZ gw{dYm, XoZm B©µOrnmog {~H«$s H|$Ð Q>{‘©Zb, XoZm B©.Q>¡Šg ^wJVmZ, XoZm {JâQ> H$mS©>, XoZm B§ñQ>m ^wJVmZ, XoZm ßbo{Q>Z‘ So>{~Q> H$mS©> (éno), XoZm [admS©>µO, XoZm Eg.E‘.Eg. gyMZm godmE§, àË`j H$a g§J«h, å`wMwAb ’§$S> H$m {dVaU, B© ^wJVmZ gaH$mar Q´oOar {d^mJ, B©-g‘mQ>© godm, BZ~mC§S> àofU, AàË`j H$a, B§Q>aZoQ> ~¢qH$J, ‘mo~mBb ~¢qH$J, amï´>r` n|eZ àUmbr (EZnrEg), Am°ZbmBZ XmZ, bmoH$ ^{dî` {Z{Y (nrnrE’$) ImVm, Ama.Q>r.Or.Eg. / EZ.B©.E’$.Q>r, éno nogoŠ`yAa godmE§, gwH$Ý`m g‘¥{Õ ImVm, Q>¡~ ~¢qH$J, drµOm godmAm| Ûmam gË`mnZ, ^r‘ AmYma XoZm, ^r‘ (^maV B§Q>a’o$g ’$m°a ‘Zr), ^r‘ XoZm `ynrAmB©, B©-Ho$dmB©gr, AmoQ>rnr AmYm[aV AmYma gË`mnZ, B©-EZnrEg/B©-EnrdmB©, dñVw Ed§ godm H$a (Or.Eg.Q>r.), d[aîR> ZmJ[aH$ ~MV `moOZm.

~¢H$ H$s ^maV ‘| 1872 emImE§ (72 g¡Q>obmBQ> emImAm| g{hV) Am¡a 31 ‘mM© 2018 VH$ 27 {‘{b`Z go A{YH$ J«mhH$ h¢.

I§S I: 31 ‘mM© 2018 H$mo ~¢H$ Ho {dÎmr` {ddaU

àXÎm ny§Or (AmB©.EZ.Ama.) ê$. 2259.05 H$amo‹S>

Hw$b H$mamo~ma (AmB©.EZ.Ama.) ê$. 180368.73 H$amo‹S>

ewÕ hm{Z (AmB©.EZ.Ama.) ê$. 1923.15 H$amo‹S>

H$m°anmoaoQ> gm‘m{OH$ {Oå‘oXmar na Hw$b ì`` (grEgAma) (%) ê$. 2.55 H$amo‹S>

H m°nmo©aoQ gm_m{OH {Oå_oXmar…

XoZm ~¢H$ H$m°nm}aoQ> gm‘m{OH$ {Oå‘oXmar (grEgAma) Ho$ CÔoí` Ho$ {bE à{V~Õ h¡ Am¡a gm‘m{OH$ Am¡a gm‘wXm{`H$ {dH$mg hoVw gj‘ ~ZmH$a Bgo AnZo H$mamo~ma ‘m°S>b ‘| g‘pÝdV H$aVm h¡. ~¢H$ {d{^Þ {dH$mg H$m`©H«$‘m| Ho$ ‘mÜ`‘ go bmoJm| H$mo geº$ ~ZmZo ‘| à`mgaV h¡. 2017-18 Ho$ Xm¡amZ ~¢H$ Zo é. 2.55 H$amo‹S> ì`` {H$`m.

[anmo{Qª>J df© ‘| gr.Eg.Ama. Ho$ A§VJ©V ~¢H$ Ûmam {H$E JE Hw$N> C„oIZr` n[a`moOZmAm| ‘| em{‘b h¢ - XoZm J«m‘rU ñd`§ amoOJma à{ejU g§ñWmZ (AmagoQ>r) {~pëS§>J XoZm J«m‘rU {dH$mg g§ñWmZ (S>r.Ama.S>r.E’$.) H$m {Z‘m©U, g§a{jV {Z{Y - AmagoQ>r Ho$ {XZ-à{V{XZ Ho$ n[aMmbZ ì`` hoVw, Am{X.

I§S J: AÝ` {ddaU

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H$mamo~ma CÎmaXm{¶Ëd [anmoQ>© 2017-18


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5. B©-_ob AmB©.Sr. [email protected]

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2 Š`m g§~§{YV {hVYmaH$m| Ho$ gmW nam‘e© H$a Zr{V V¡`ma H$s Om ahr h¡? hm§ hm§ hm§ hm§ hm§ hm§ hm§ hm§ hm§

3 Š`m Zr{V {H$gr amï´>r` / A§Vaamï´>r` ‘mZH$ Ho$ AZwê$n h¡? `{X hm§, Vmo {Z{X©ï> H$a|?

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4 Š`m Zr{V H$mo ‘§S>b Ûmam AZw‘mo{XV {H$`m J`m h¡?

`{X hm§, Vmo Š`m Bgo E‘S>r / ñdm‘r / gr.B©.Amo. / Cn`wº$ ‘§S>b {ZXoeH$ Ûmam hñVmj[aV {H$`m J`m h¡?


5 Š`m Zr{V Ho$ H$m`m©Ýd`Z H$s {ZJamZr Ho$ {bE ~¢H$ H$s EH$ {d{eï> g{‘{V / {ZXoeH$ / Am{YH$m[aH$ g{‘{V h¡?


6 Zr{V H$mo Am°ZbmBZ XoIZo Ho$ {bE qbH$ gy{MV H$a|? ‘w»` n¥îR> http://www.denabank.com

7 Š`m Zr{V Am¡nMm[aH$ ê$n go g^r àmg§{JH$ Am§V[aH$ Am¡a ~mø {hVYmaH$m| H$mo ^oOr JB© h¡?


8 Š`m Zr{V / Zr{V`m| H$mo bmJy H$aZo Ho$ {bE ~¢H$ ‘| Am§V[aH$ g§aMZm h¡. hm§ hm§ hm§ hm§ hm§ hm§ hm§ hm§ hm§

9 Zr{V / Zr{V`m| go g§~§{YV {hVYmaH$m| H$s {eH$m`Vm| H$mo Xya H$aZo Ho$ {bE Zr{V / Zr{V`m| go g§~§{YV ~¢H$ H$m {eH$m`V {ZdmaU V§Ì h¡?


10 Š`m ~¢H$ Zo Am§V[aH$ `m ~mø EO|gr Ûmam Bg Zr{V Ho$ H$m`©MmbZ H$m ñdV§Ì boIm narjm / ‘yë`m§H$Z {H$`m h¡?




I§S> L> : {gÕm§V-dma H$m`© {ZînmXZ

XoZm ~¢H$ AnZo H$mamo~ma H$mo EH$ gm‘m{OH$ ê$n go CËVaXm`r VarHo$ go g§MmbZ Am¡a d¥{Õ H$aZo Ho$ {bE à{V~Õ h¡. ~¢H$ AmœñV h¡ {H$ H$mamo~ma Omo ZmJ[aH$m| H$s qMVmAm| H$mo àË`j ê$n go Am¡a n`m©daU H$s Amdí`H$VmAm| H$m g‘mYmZ H$aVm hmo, XrKm©d{Y ‘| g‘¥Õ H$aoJm.

[anmoQ>©, H$mamo~ma CÎmaXm{`Ëd Ho$ {bE go~r ~rAmaAma Ho$ n[anÌ g§»`m grAmB©Ama/grE’$S>r/grE‘S>r/10/2018 {XZm§H$ 4 Zd§~a 2015 ‘| C{„pIV Zm¡ {gÕm§Vm| Ho$ A§VJ©V ~¢H$ Ûmam H$s JB© J{V{d{Y`m| H$s EH$ g§{já g‘rjm àñVwV H$aVr h¡.

{gÕm§V 1 - gwÑ‹T> H$m°anmoaoQ> A{êmgZ

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{gÕm§V 2 - gVV CËnmX Am¡a godmE§

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v {dÎmr` g‘mdoeZ: {dÎmr` nhþ§M Am¡a dmñV{dH$ {dÎmr` g‘mdoeZ ‘| gwYma H$aZo Ho$ {bE ~¢H$ Zo H$B© nhb H$s h¢. ~¢H$ Zo {dÎmr` nhþ§M ‘| gwYma Ho$ {bE {d{^Þ ~¢qH$J godmAm| H$s OmZH$mar Ho$ àgma Ho$ {bE {dÎmr` gmjaVm {e{da, J«m‘ ~¡R>H$m| Am¡a OmJê$H$Vm {e{dam| H$m Am`moOZ H$aZo H$s aUZr{V AnZmB© h¡. ~¢H$ Zo àYmZ ‘§Ìr OZ-YZ `moOZm (nrE‘OoS>rdmB©) H$mo g’$bVmnyd©H$ bmJy {H$`m h¡. {dÎmr` godmE§ {d^mJ, {dÎm ‘§Ìmb`, ^maV gaH$ma Zo XoZm ~¢H$ H$mo J«m‘rU joÌm| ‘| nrE‘OoS>rdmB© Ho$ VhV g~go A{YH$ ImVm ImobZo Ho$ {bE g^r ~¢H$m| ‘| àW‘ Kmo{fV {H$`m h¡. ‘w§~B© ‘| 23 ’$adar 2018 H$mo Am`mo{OV ~¢qH$J àm¡Úmo{JH$s gå‘obZ Ed§ EŠgnmo AdmS©> 2018 ‘| ^maVr` ~¢H$ g§K (AmB©~rE)

Ûmam bKw AmH$ma Ho$ ~¢H$ H$s loUr ‘| gd©loð> {dÎmr` g‘mdoeZ nhb Ho$ {bE {dOoVm Ho$ ê$n ‘| XoZm ~¢H$ H$mo nwañH¥$V {H$`m J`m.

v {S>{OQ>b ~¢qH$J: {S>{OQ>b B§{S>`m S´mBd Ho$ A§VJ©V, ~¢H$ Zo JwOamV amÁ` ‘| {S>{OQ>brH$aU Am¡a {S>{OQ>b ^wJVmZ Am¡a CËnmXm| O¡go ‘mo~mBb dm°boQ>, ê$no So>{~Q> H$mS©>, `ynrAmB©, EB©nrEg, ‘mo~mBb ~¢qH$J, B§Q>aZoQ> ~¢qH$J, nrAmoEg Am{X Ho$ ~mao ‘| OmJê$H$Vm n¡Xm H$aZo Ho$ {bE 52 Jm§dm| H$mo AnZm`m h¡. BZ g^r Jm§dm| ‘| OmJéH$Vm bmZo hoVw H$m`©H«$‘m| H$m Am`moOZ {H$`m h¡.

v gyú‘, bKw Am¡a ‘Ü`‘ CÚ‘ (E‘EgE‘B©) H$s Amdí`H$VmAm| H$mo nyam H$aZo dmbo g^r CËnmX Am¡a godmE§.

v J«m‘rU Am¡a H¥${f ~¢qH$J Ho$ VhV AmZo dmbo g^r CËnmX, godmE§ Am¡a `moOZmE§.

{gÕm§V 3 - H$‘©Mmar H$ë`mU

~¢H$ EH$ gVH©$ Am¡a {dñV¥V g§JR>Z h¡, bmoJm| H$mo ~ohVa H$aVo hþE AÀN>m H$aZo Ho$ {bE ào[aV H$aVm h¡. gVV, bm^Xm`H$ {dH$mg V~ àmá {H$`m Om gH$Vm h¡ O~ bmoJ g§JR>Z àXe©Z H$mo ‘yë`m| Ho$ gmW Omo‹S>H$a Q>r‘ ^mdZm go H$m`© H$a|.

‘mZd g§gmYZ nhb

XoZm ~¢H$ H$m ‘mZZm h¡ {H$ EH$ à{e{jV, ào[aV Am¡a CËnmXH$ H$m`©~b ~¢H$ H$s g~go ~‹S>r n[ag§n{Îm h¡. Bgo Ü`mZ ‘| aIVo hþE, ~¢H$ Zo ‘mZd g§gmYZ à~§YZ H$mo ~‹T>mH$a g§JR>ZmË‘H$ XjVm ‘| gwYma Ho$ {bE H$B© g{H«$` H$X‘ CR>mE h¢. `h `wdm à{V^mAm| H$mo AmH${f©V H$a ahm h¡ {OÝh| ~¢H$ Ho$ AZw^dr H$‘©Mm[a`m| Ûmam nam‘e© {X`m Om ahm h¡. ~¢H$ Zo {d{^Þ Zr{V`m|, à{H«$`mAm| Am¡a àUm{b`m| H$mo gwì`dpñWV {H$`m h¡. ‘mZd g§gmYZ à~§YZ Zo {ZåZ{bpIV H$mo bmJy {H$`m h¡:

v nmaXeu Am¡a {df`{Zð> {ZînmXZ à~§YZ àUmbr (nrE‘Eg) ^maV gaH$ma Ho$ {Xem{ZX}em| H$mo g‘m{dîQ> H$aVr h¡.

v ~¢H$ Zo ‘hËdnyU© y{‘H$mAm| Ho$ {bE CÎmam{YH$ma H$s moOZm ~ZmB© h¡ Am¡a ZoV¥Ëd H$s na§nam Ho$ {Z‘m©U H$s à{H«$`m ‘| h¡.

v EMAmaE‘Eg Ho$ Ama§^ Zo, H$‘©Mm[a`m| H$s {eH$m`Vm| Ho$ {ZdmaU Am¡a CZHo$ bm^m| H$mo H|$ÐrH¥$V g§ñdrH¥${V àXmZ H$aZo Ho$ {bE EH$ H|$Ð Ho$ ê$n ‘| H$‘©Mm[a`m| H$s g§Vw{ï> ‘| H$m’$s d¥{Õ H$s h¡.

v Bgr àH$ma, {dËVr` df© 2017-18 Ho$ Xm¡amZ H$B© AÝ` Eogr nhb H$s JB© h¡, {OZH$m CÔoí` H$‘©Mm[a`m| H$mo ì`ñV, à{VñnYu Am¡a g§VwîQ> aIZm h¡.

H$m`©-OrdZ g§VwbZ

H$‘©Mm[a`m| Ho$ {bE H$m`©-OrdZ g§VwbZ H$mo ~‹T>mdm XoZo Ho$ {bE ~¢H$ Ûmam H$B© nhb {H$E JE h¢ Am¡a H$‘©Mm[a`m| H$s ^mJrXmar Am¡a H$‘©Mmar g§Vw{ï> ñWm{nV H$aZo Ho$ {bE ha g§^d à`mg {H$`m J`m h¡. à{V^membr H$‘©Mm[a`m| H$mo àoaU hoVw ~¢H$ H$s EH$ AmH$f©H$ àmoËgmhZ Zr{V h¡ {Og‘| ’$mñQ> Q´¡H$ nXmoÝZ{V ^r em{‘b h¡.

~¢H$ AnZo H$‘©Mm[a`m| H$mo gw{dYmE§, bm^ Am¡a H$ë`mUH$mar `moOZmE§ ^r àXmZ H$aVm h¡ Vm{H$ do EH$ AÀN>m H$m`©-OrdZ g§VwbZ ~ZmE aI gH|$. AnZo H$‘©Mm[a`m| H$s {M{H$Ëgm Amdí`H$VmAm| H$m Ü`mZ aIZo Ho$ {bE nyao Xoe ‘| H$B© AñnVmbm| Ho$ gmW EH$ JR>Omo‹S> ì`dñWm H$s h¡. ~¢H$ H$s {d{^Þ H$ë`mUH$mar `moOZmE§ h¢ O¡go H¢$Q>rZ gpãgS>r, {ejm F$U, {M{H$Ëgm Am¡a AñnVmb ‘| ^Vu IM© H$s à{Vny{V© Am{X.

H$‘©Mm[a`m| Ho$ AÝ` bm^m| ‘| ñdmñÏ` {e{da, ~¢H$ H$m ñWmnZm {Xdg, qhXr {Xdg, ñdV§ÌVm {Xdg, JUV§Ì {Xdg Am{X na g‘mamoh em{‘b h¢. 31 ‘mM© 2018 H$mo ~¢H$ ‘| Hw$b 13,613 H$‘©Mm[a`m| ‘| go 3,705 ‘{hbmE§ Am¡a 351 {Xì`m§J H$‘©Mmar Wo.



‘mZd A{YH$mam| H$m gå‘mZ:

~¢H$ AnZo H$m`m] Ho$ g^r joÌm| ‘| Am¡a CgHo$ à^md Ho$ joÌ ‘| ‘mZdm{YH$mam| H$m gå‘mZ Am¡a g‘W©Z H$aZo Ho$ {bE à{V~Õ h¡. ~¢H$ Zo H$m`©-ñWb na `m¡Z CËnr‹S>Z {ZdmaU g{‘{V H$s ñWmnZm H$s h¡ Am¡a {H$Ýhr g§~§{YV qMVmAm| H$mo Xya H$aZo Ho$ {bE n`m©á {eH$m`V {ZdmaU V§Ì h¡. ~¢H$ AnZo H$‘©Mm[a`m| Ho$ g‘yh / g§JR>Z ~ZmZo Ho$ A{YH$mam| H$m ^r gå‘mZ H$aVm h¡ Am¡a gm‘y{hH$ ê$n go CZH$s qMVmAm| H$s AmdmO CR>mVm h¡. ~¢H$ ‘| H$B© H$‘©Mmar g§JR>Z h¢.

AZwgy{MV Om{V, AZwgy{MV OZOm{V, AÝ` {nN>‹S>m dJ©, emar[aH$ {dH$bm§J Am¡a ^yVnyd©- g¡Ý` H$‘©Mm[a`m| H$s AmajU Zr{V Ho$ H$m`m©Ýd`Z Am¡a ApIb ^maVr` XoZm ~¢H$ Eggr / EgQ>r / Amo~rgr H$‘©Mmar g§K Ho$ gmW àYmZ H$m`m©b` Am¡a A§Mb H$m`m©b` ñVam| na Amd{YH$ A§Vamb na {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE Ì¡‘m{gH$ ~¡R>H$m| H$s {ZJamZr Ho$ {bE ~¢H$ Zo ‘hmà~§YH$ ñVa Ho$ A{YH$m[a`m| H$mo ‘w»` g§nH©$ A{YH$mar Ho$ ê$n ‘| H$m`© H$aZo Ho$ {bE Zm{‘V {H$`m h¡.

CÚmoJ ñVar` doVZ g‘Pm¡Vm

~¢H$m| H$mo à{V{Z{YËd H$aZo dmbo ^maVr` ~¢H$ g§K Am¡a ‘mÝ`Vm àmá `y{Z`Zm| / g§Km| Ho$ ~rM gm‘y{hH$ ~mVMrV à{H«$`m doVZ g‘Pm¡Vm hmoVm h¡. Omo 5 dfm] H$s Ad{Y Ho$ {bE ‘mÝ` h¡.

à{ejU Am¡a H$‘©Mmar H$m¡eb {dH$mg

kmZ aIZo dmbo g§JR>Z Ho$ ê$n ‘|, ~¢H$ g‘H$mbrZ kmZ àmá H$aZo, {Za§Va nwZ… H$m¡eb {Z‘m©U Am¡a H$m¡eb J{V{d{Y`m§ ~T>mZo Am¡a ì`dhma gwYma na H|${ÐV h¡. ñQ>m’$ gXñ`m| H$mo Oê$aV Ho$ AmYma na à{ejU àXmZ H$aZm Am¡a Bgo g§JR>ZmË‘H$ Oê$aVm| Ho$ AZwê$n H$aZm ~¢H$ H$s à{ejU àUmbr H$s EH$ ‘O~yV {deofVm h¡.

g^r H$‘©Mmar g§dJm] Ho$ {bE à{ejU H$s Amdí`H$VmAm| H$m ‘yë`m§H$Z {H$`m OmVm h¡. ~¢H$ `h gw{Z{üV H$aZo Ho$ {bE dMZ~Õ h¡ {H$ ñQ>m’$ gXñ` ~w{Z`mXr H$m`© H$m¡eb Am¡a AnZr ì`{º$JV {Oå‘oXm[a`m| Ho$ dhZ ‘| gj‘ h¢. EH$ H$‘©Mmar Ho$ à{ejU Amdí`H$VmAm| H$mo AÝ¶ ñWmZm| na pñWV A§M{bV à{ejU H|$Ð Ho$ Abmdm à{ejU ‘hm{dÚmb` ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU H$m°boO, ‘w§~B© Ûmam àXmZ {H$`m OmVm h¡.

amoOJma Ho$ g‘mZ Adga

à~§YZ Am¡a n`©dojr H$‘©Mm[a`m| / A{YH$m[a`m| H$s Vu Ho$ {bE, [aº$ nXm| H$s nhMmZ Am¡a BZHo$ {bE Cn`wº$ àm{YH$mar ñVa na {Xem{ZX}e ‘m¡OyX h¢.

g§K, ^mJrXmar Am¡a gm‘y{hH$ ~m¡{ÕH$Vm H$s AmOmXr

~¢H$ H$‘©Mmar g§K H$s ñdV§ÌVm Ho$ {gÕm§V Am¡a ~mVMrV Ho$ A{YH$ma H$m AZwgaU H$aVm h¡. ~¢H$ H$s ‘mZdm{YH$ma àWm H$‘©Mm[a`m| Ho$ A{YH$ma Ho$ {bE gå‘mZ H$s ñdV§ÌVm Am¡a gm‘y{hH$ dmVm© Ho$ {bE H$‘©Mm[a`m| Ho$ A{YH$mam| H$s ‘mÝ`Vm H$m AmœmgZ XoVm h¡, Omo {d{Y gå‘V h¡.

{gÕm§V 4 - {hVYmaH$m| H$s dMZ~ÕVm

~¢H$ Ho$ {bE, {hVYmaH$ à~§YZ ‘hËdnyU© h¡ Š`m|{H$ `h ~¢H$ H$mo AnZr à{V~ÕVmAm| H$mo g§{dV[aV H$aZo ‘| ghm`H$ hmoVm h¡ Am¡a H$mamo~ma Ho$ ê$n ‘| g’$b hmoVm h¡. ~¢H$ g{H«$` ê$n go J«mhH$m|, eo`aYmaH$m|, {ZdoeH$m|, H$‘©Mm[a`m|, ‘r{S>`m BË`m{X O¡go {hVYmaH$m| Ho$ gmW dMZ~Õ h¡.

~¢H$ EH$ {hVYmaH$ H$mo {H$gr Eogo ì`{º$ Ho$ ê$n ‘| nhMmZVm h¡ Omo ~¢H$ Ho$ g§MmbZ go à^m{dV hmoVm h¡ `m Omo ~¢H$ Ho$ g§MmbZ H$mo à^m{dV H$aVm h¡. à^md H$s gr‘m Ho$ AmYma na do `m Vmo àmW{‘H$, ‘mÜ`{‘H$ `m à‘wI h¢. H$‘©Mmar, J«mhH$, ~¢H$ Ho$ àmW{‘H$ {hVYmaH$m| ‘| em{‘b h¢, bo{H$Z gr{‘V Zht h¢. ñWmZr` g‘wXm`,

Amny{V©H$Vm©, CÚmoJ g§K ‘mÜ`{‘H$ {hVYmaH$m| ‘| em{‘b h¢, bo{H$Z gr{‘V Zht h¢. Am¡a eo`aYmaH$m| Am¡a àdV©H$ {d{Z`m‘H$ {ZH$m` Am{X ‘à‘wI’ {hVYmaH$m| ‘| em{‘b h¢. ~¢H$ Am¡nMm[aH$ `m AZm¡nMm[aH$ ê$n go AnZo g^r {hVYmaH$m| Ho$ gmW EH$ g§dmX ‘mÜ`‘ go Ow‹S>m ahVm h¡.

~¢H$ Ü`mZ nyd©H$ AnZo g^r g§nH©$ q~XwAm| O¡go emIm, EQ>rE‘, B§Q>aZoQ> ~¢qH$J, ‘mo~mBb ~¢qH$J, H$m°b g|Q>a Am{X na CËH¥$ï> J«mhH$ godmE§ àXmZ H$aVm h¡. BgHo$ A{V[aŠV, ~¢H$ ‘| :

v H$m°nm}aoQ> H$mamo~ma emImAm| ‘| g§nH©$ A{YH$m[a`m| H$mo {Z`wº$ H$aHo$ EH$ {eH$m`VH$Vm© H$mo ~¢H$ Ho$ g’$b àMmaH$ ‘| ~XbZo Ho$ {bE n`m©á à{ejU àXmZ H$aZm.

v J«mhH$m| Ho$ {H$gr ^r g‘ñ`m H$m g‘mYmZ H$aZo Ho$ {bE EH$ 24x7 H$m°b g|Q>a ^r ñWm{nV H$aZm.

~¢H$ AnZo J«mhH$m| H$mo qàQ> Am¡a BboŠQ´m°{ZH$ ‘r{S>`m XmoZm| A{^`mZm| Ho$ ‘mÜ`‘ go {d{^Þ ZE CËnmXm| Am¡a godmAm| Ho$ ~mao ‘| gy{MV H$a ahm h¡.

~¢H$ H$s Am§V[aH$ J¥h n{ÌH$m XoZm Á`mo{V ñQ>m’$ gXñ`m| Ho$ ~rM EH$Vm ~ZmZo Ho$ CÔoí` go à~§YZ Am¡a H$‘©Mm[a`m| Ho$ ~rM Am§V[aH$ g§Mma H$m EH$ CËH¥$ï> ‘mÜ`‘ ahm h¡. ~¢H$ Ho$ B§Q´mZoQ> nmoQ>©b na g^r Am§V[aH$ Zr{V`m§, {Xem{ZX}e, H$moS>, g§àofU g^r H$‘©Mm[a`m| Ho$ {bE gwb^ h¢.

~¢H$ ha {V‘mhr ‘| AnZo àXe©Z Ho$ ‘w»` AmH$f©U g{hV {dËVr` n[aUm‘ à‘wI g‘mMma nÌm| ‘| àH$m{eV H$aVm h¡. ~¢H$ g‘`-g‘` na go~r (EbAmoS>rAma) {d{Z`‘Z Ho$ AZwgma {d{^Þ àH$Q>rH$aU ^r CnbãY H$amVm h¡. ~¢H$ {Z`{‘V AmYma na {dûcofH$ Am¡a {ZdoeH$ ~¡R>H$ ^r Am`mo{OV H$aVm h¡.

~¢H$ gaH$ma Am¡a AÝ` g‘H$j ~¢H$m| Ho$ gmW {Za§Va g§nH©$ ~ZmE aIVm h¡ Am¡a maV ‘| ~¢qH$J CÚmoJ Ho$ H$m‘H$mO ‘| gwYma Ho$ {bE {d{^Þ Zr{V`m§ ~ZmZo Am¡a CÚmoJ ñVa Ho$ ‘wÔm| na g{H«$` ê$n go ^mJ boVm h¡. ~¢H$ H$m erf© Am¡a d[að> à~§YZ, ehar, Cn ehar Am¡a J«m‘rU joÌm| ‘|, Ohm§ ~¢H$ godm àXmZ H$a ahm h¡, Amd{YH$ AmYma na, bmoJm| Ho$ gmW ~mVMrV H$aZo Am¡a {d{^Þ godmAm| Ho$ {dñVma hoVw Xm¡am H$aVo h¢.

~¢H$ nrE‘OoOo~rdmB©, nrE‘Eg~rdmB© Am¡a AQ>b n|eZ `moOZm O¡gr gaH$ma H$s gm‘m{OH$ gwajm `moOZmAm| / H$m`©H«$‘m| Ho$ A§VJ©V ^r `moOZmE§ àXmZ H$a ahm h¡.

{gÕm§V 5 - ‘mZdm{YH$mam| Ho$ {bE gå‘mZ

XoZm ~¢H$ ‘mZdm{YH$mam| Ho$ {gÕm§Vm| H$s nw{ï> H$aVm h¡ Am¡a ‘mZdm{YH$ma VWm H$‘©Mm[a`m| Ho$ {hVm| Ho$ g§~§Y ‘| AMN>m ì`dhma Ed§ AI§S>Vm Am¡a IwbonZ Ho$ gmW B©‘mZXmar go n[aMmbZ H$aVm h¡. {Oå‘oXma H$m°nm}aoQ> g§ñWm Ho$ én ‘|, ~¢H$ Z Ho$db ‘mZdm{YH$mam| Ho$ g§~§Y ‘| H|$Ðr` / amÁ` / ñWmZr` gaH$ma / AÝ` d¡Ym{ZH$ àm{YH$aUm| Ûmam Omar / A{Ygy{MV g^r {Xem{ZX}em| H$mo Ho$db XñVmdoOm| ‘| Zht aIVm ~pëH$ CZH$m AZwnmbZ ^r H$aVm h¡.

~¢H$ ‘mZdm{YH$mam| Ho$ {gÕm§Vm| H$mo ~ZmE aIoJm Am¡a {hVYmaH$m| Ho$ {bE ‘mZdm{YH$mam| H$s gm‘mÝ` OmJéH$Vm Ho$ ‘hËd ‘| d¥{Õ H$aoJm. ~¢H$ AnZo Amny{V©H$Vm©Am|, H$mamo~ma à{V{Z{Y`m| g{hV H$mamo~ma ^mJrXmam| go Cå‘rX H$aVm h¡ {H$ dh H$‘©Mm[a`m| Ho$ ‘mZdm{YH$mam| H$m gå‘mZ H$a| Am¡a Bg g§~§Y ‘| {H$gr ^r àH$ma Ho$ Cëb§KZ go ~Mo.

{gÕm§V 6 - n`m©daU na à^md

~¢H$, EH$ {Oå‘oXma H$m°nmoa©Q> g§ñWmZ Ho$ én ‘|, n`m©daU Ho$ à{V AnZo Xm{`Ëdm| H$m {Zdm©h H$aVm h¡. ~¢H$ Zo ~ohVa n`m©daU ~ZmZo Ho$ {bE H$B© nhb H$s h¢. AnZo H$m~©Z CËgO©Z H$mo H$‘ H$aZo Ho$ {bE {d{^ÝZ Cnm`m| H$mo AnZm ahm h¡. g^r ZB© emImAm|/H$m`m©b`m| ‘| Eb.B©.S>r. bmB©Q> Am¡a 5 ñQ>ma aoqQ>J dmbo E.gr. CnbãY H$amE Om aho



h¢ Am¡a {dÚ‘mZ emImAm| / H$m`m©b`m| Ho$ bmB©Q> {’$qQ>½g/E.gr. H$mo COm© à`moJ H$mo H$‘ H$aZo Ho$ {bE Eb.B©.S>r. ~ë~ Am¡a 5 ñQ>ma aoqQ>J dmbo E.gr. H$mo MaU~Õ VarHo$ go à{VñWm{nV {H$`m Om ahm h¡. BgHo$ A{V[aŠV, ~¢H$ AnZo ñdm{‘Ëd dmbo B‘maVm| na gm¡a n¡Zbm| H$mo bJmZo H$s `moOZm ~Zm ahm h¢.

{gÕm§V 7 - OZ{hV g‘W©Z Ho$ {bE {g’$mare

XoZm ~¢H$, H$mamo~ma n[apñW{V V§Ì Am¡a g‘wXm`m| ‘| gH$mamË‘H$ à^md bmZo Ho$ CÔoí` go OZ{hV g‘W©Z H$aVm h¡. XoZm ~¢H$ Ho$ {bE OZ{hV g‘W©Z Ho$db CÚmoJ Ho$ {bE Hw$N> bm^ àmßV H$aZo Ho$ {bE gaH$ma go AmXoe àmßV H$aZm Zht h¡, bo{H$Z ~‹S>o n¡‘mZo na g‘mO Ho$ bm^ Ho$ {bE gdm}ËV‘ g‘W©Z Ho$ ~mao ‘| ^r h¢.

~¢H$ {d{^ÝZ {dËVr` Am¡a CÚmoJ g§~§{YV ì`mnma M|~am| Am¡a g§JR>Zm| H$m gXñ` h¢. Cg‘| go Hw$N> {ZåZmZwgma h¢ :

v ^maVr` ~¢H$ g§K (AmB©.~r.E.)

v ^maVr` ~¢qH$J Ed§ {dËVr` g§ñWmZ (AmB©.AmB©.~r.E’$.)

v ~¢qH$J H$m{‘©H$ M`Z g§ñWmZ (AmB©.~r.nr.Eg.)

v amîQ´r` ~¢H$ à~§YZ g§ñWmZ (EZ.AmB©.~r.E‘.)

v CƒñVar` {dÎmr` AZwg§YmZ VWm AÜ``Z H|$Ð (gr.E.E’$.Ama.E.Eb.)

v ^maVr` dm{UÁ` Am¡a CÚmoJ ‘§S>b n[ag§K ({’$¸$s)

v A§Vam©ï´>r` dm{UÁ` ‘§S>b (AmB©.gr.gr.)

v ^maVr` ~¢qH$J g§{hVm Am¡a ‘mZH$ ~moS©> (~r.gr.Eg.~r.AmB©.)

v ^maVr` amï´>r` ^wJVmZ {ZJ‘ (EZ.nr.gr.AmB©.)

v Šbs`[a¨J H$m°nm}aoeZ Am°’$ B§{S>`m {b{‘Q>oS> (gr.gr.AmB©.)

v ^maVr` CÚmoJ n[ag§K (gr.AmB©.AmB©.)

v ^maV g§~§Õ dm{UÁ` ‘§S>b Ed§ CÚmoJ (EgmoM¡‘)

v amîQ´r` F$U Jma§Q>r Ý`mgr H§$nZr (EZ.gr.Or.Q>r.gr.)

v amï´>r` bKw CÚmoJ {ZJ‘ (EZ.Eg.AmB©.gr.)

v gyú‘ Am¡a bKw CÚ‘m| Ho$ {bE F$U Jma§Q>r Ý`mg (gr.Or.Q>r.E‘.Eg.B©.)

v amï´>r` Amdmg ~¢H$ (EZ.EM.~r.)

~¢H$ BZ {ZH$m`m| Ho$ gmW g{H«$` ê$n go gå~Õ h¡ Am¡a dm{f©H$ ~OQ>, F$U Zr{V / ‘m¡{ÐH$ Zr{V, CËnmX ‘yë` {ZYm©aU na {Xem{ZX}e, {d{^Þ gd}jU Am{X {d{^Þ ‘m‘bm| na OmZH$mar àXmZ H$aVm h¡.

{gÕm§V 8 - g‘mdoer {dH$mg

^maVr` [aOd© ~¢H$ {dËVr` g‘mdoeZ H$mo n[a^m{fV H$aVm h¡ {H$ ‘w»` Ymam Ho$ {dËVr` g§ñWmZm| go H$‘ H$s‘V na Ohm§ ^r Amdí`H$ hmo, g‘mO Ho$ H$‘Omoa dJm] Am¡a H$‘ Am` g‘yhm| H$mo {dËVr` godmAm| VH$ nhþ§M gw{Z{üV H$aZo Ho$ én ‘| g‘` na n`m©ßV F$U CnbãY H$amZm h¡.

~¢H$ Zo g‘mdoer g§d¥{Õ Am¡a Ý`m`g§JV àJ{V H$m g‘W©Z H$aZo Ho$ {bE {d{^Þ nhb / n[a`moOZmE§ ewê$ H$s h¢ :

1. àYmZ‘§Ìr OZ-YZ `moOZm (nr.E‘.Oo.S>r.dmB©.):

31.03.2018 VH$, nr.E‘.Oo.S>r.dmB©. Ho$ A§VJ©V 44.06 bmI ImVo Imobo JE Am¡a é. 1023.95 H$amo‹S> H$s O‘mam{e`m§ OwQ>mB© h¡.

~¢H$ Zo nr.E‘.Oo.S>r.dmB©. J«mhH$m| H$mo é 5000/- VH$ H$s AmodaS´mâQ> gw{dYm àXmZ H$aZo Ho$ {bE `moOZm H$mo AZw‘moXZ àXmZ {H$`m h¡ {OÝhm|Zo 15.08.2014 go 26.01.2015 Ho$ Xm¡amZ ImVo Imobo h¢ ~eV] {H$ CZ ImVm| H$m 6 ‘mh H$s Ad{Y Ho$ {bE g§VmofOZH$ n[aMmbZ {H$`m J`m hmo. ~¢H$ Zo 36968 ImVm| H$mo AmodaS´mâQ> gw{dYm ñdrH¥$V {H$`m h¡.

Jm§dm| ‘| {ZåZ{bpIV CnmE {H$E JE :

H$) g^r ~r.gr. ñWmZm| H$mo E.B©.nr.Eg. boZ-XoZm| Ho$ {bE B§Q>aAm°nao~b Q>¡~ Ho$ gmW Amdí`H$ ~w{Z`mXr g§aMZm àXmZ H$s Om ahr h¡.

I) g^r ~¢H$ {‘Ìm| H$mo à{ejU àXmZ {H$`m J`m h¡.

J) BgHo$ A{V[aŠV, ~rgr ‘m°S>b H$mo Am¡a A{YH$ ì`dhm`© Am¡a {Za§Va ~ZmZo Ho$ {bE ~w{Z`mXr ~¢qH$J godmAm|, A{V[aº$ ‘yë` d{Y©V godmAm| O¡go F$U dgybr, AmYma grqS>J Ho$ {bE gh‘{V ’$m°‘m] H$m g§J«h, ê$no H$mS©> g{H«$` H$aZm Am{X ~rgr Ûmam {Zînm{XV {H$E OmVo h¢.

2. {dËVr` gmjaVm H$m`©H«$‘:

~¢H$, ^maVr` [aOd© ~¢H$/^maVr` ~¢H$ g§K Ho$ {Xem{ZX}em| Ho$ AZwgma {dÎmr` gmjaVm àgma H$m`©H«$‘ Mbm ahm h¡. {dÎmr` gmjaVm A{^`mZ àmW{‘H$Vm Ho$ AmYma na Mbm`m Om ahm h¡.

3. {deof gm‘m{OH$ gwajm `moOZm :

v àYmZ ‘§Ìr gwajm ~r‘m `moOZm nr.E‘.Eg.~r.dmB©.: XwK©Q>Zm ~r‘m Ho$ {bE : 31.03.2018 VH$, AmdoXZm| H$s Hw$b g§»`m 17,88,262 h¢.

v àYmZ ‘§Ìr OrdZ Á`mo{V ~r‘m moOZm nr.E‘.Oo.Oo.~r.dmB©.: OrdZ ~r‘m gwajm Ho$ {bE : 31.03.2018 VH$ AmdoXZm| H$s Hw$b g§»`m 4,65,284 h¢.

v AQ>b n|eZ moOZm E.nr.dmB©.: AQ>b n|eZ moOZm (E.nr.dmB©.) gh-A§eXm`r ñWm`r n|eZ `moOZm h¡. Omo Ag§J{R>V joÌ Ho$ l{‘H$m| Ho$ ~rM XrKm©`w OmopI‘ H$‘ H$aZo Ho$ {bE Am¡a Ag§J{R>V joÌ ‘| l{‘H$m| H$mo AnZr godm{Zd¥{Îm Ho$ {bE ñdoÀN>m go ~MZo Ho$ {bE àmoËgm{hV H$aVm h¡. 31.03.2018 H$mo AmdoXZm| H$s g§»`m 65,582 h¡.

{gÕm§V 9 - J«mhH$ H|$pÝÐV

CËnmXm| Am¡a godmAm| go g§~§{YV gyMZm ~¢H$ H$s do~gmBQ> ‘| Am¡a emIm n[aga ‘| ^r àX{e©V H$s OmVr h¡. {dÎmr` CËnmXm| Ho$ ~mao ‘| OmJê$H$Vm nwpñVH$mAm| Am¡a ~«moea Ho$ ‘mÜ`‘ go ’¡$bmB© OmVr h¢. à^mdr {dnUZ VH$ZrH$m| Am¡a {dkmnZ Ho$ ‘mÜ`‘ go ~¢H$ AnZo CËnmXm| H$mo BboŠQ´m°{ZH$ Am¡a qàQ> ‘r{S>`m ‘| àX{e©V H$aVm h¡.

~¢H$ AnZo J«mhH$m| H$mo Ëd[aV Am¡a Hw$eb godm àXmZ H$aZo Ho$ {bE erf© àmW{‘H$Vm XoVm h¡. Bg ~mV H$mo Ü`mZ ‘| aIVo hþE, ~¢H$ Zo J«mhH$ A{YH$ma Zr{V, {eH$m`V {Zd-maU Zr{V Am{X V¡`ma H$s h¡, Omo ~¢H$ H$s do~gmBQ> na CnbãY h¢. {eH$m`V {ZdmaU Zr{V ‘| {ZYm©[aV g‘`-gr‘m Ho$ AZwgma J«mhH$m| H$s {eH$m`Vm| H$m {ZdmaU H$aZo Ho$ {bE hag§^d à`mg {H$E OmVo h¢.

~¢H$ Ûmam nmbZ H$s OmZo dmbr àUmbr Am¡a à{H«$`mAm| H$s {Z`{‘V A§Vamb na g‘rjm H$s OmVr h¡, àUmbr ‘| {H$gr H$‘r H$mo `{X H$moB© hmo, Omo J«mhH$ godm ‘| Am¡a gwYma H$aZo ‘| ‘XX H$aVr h¡.



H$mnm}aoQ> A{êmgZ [anmoQ>© 2017-18

1. A{êmgZ g§{hVm na ~¢H$ H$s Zr{V

~¢H$ H$s H$mnm}aoQ> A{êmgZ Zr{V CËH¥$ï> à~§YZ ì`dhma H$m Cn`moJ H$aZo na AmYm[aV h¡ {Oggo H$mamo~ma H$m à^mdr à~§YZ Am¡a {Z`§ÌU hmoJm. Bggo ~¢H$ Ho$ ~moS©> VWm d[að> à~§YZ H$mo Z¡{VH$ ‘mZX§S>m|, nmaX{e©Vm, {Oå‘oXmar Am¡a {dÎmr` pñWaVm H$m nmbZ H$aVo hþE {ZU©` boZo ‘| gw{dYm hmoJr. ~¢H$ H$m `h {dídmg h¡ {H$ H$mnm}aoQ> A{êmgZ H$m BgHo$ ‘yb ‘yë`m| go Jham g§~§Y h¡ Am¡a dh Z¡{VH$ ì`dhma, AnZo H$‘©Mm[a`m| Ho$ H$ë`mU, AnZo J«mhH$m| H$mo CÎm‘ godmE§ àXmZ H$aZo, eoà YmaH$m| H$s AnojmE§ nyar H$aZo Am¡a g‘mO H$s AnojmAm| Ho$ AZwgma H$m`© H$aZo go Ow‹S>m hþAm h¡. Bggo g^r {hVYmaH$m| H$mo bm^ hmoJm {Og‘| Z Ho$db {ZXoeH$ ‘§S>b Am¡a d[að> à~§YZ em{‘b h¢, ~pëH$ eoà YmaH$, J«mhH$, H$‘©Mmar Am¡a g‘mO ^r em{‘b h¡.

H$mamo~ma Ho$ {d{^ÝZ joÌm| na {ZJamZr aIZo Ho$ {bE ~¢H$ Ho$ H$mnm}aoQ> A{êmgZ ‹T>m§Mo ‘| ‘§S>b Ho$ ‘§S>b H$s 18 g{‘{V`m§ ^r em{‘b h¢.

ô{X`m ì`mnma H$s amoH$Wm‘

XoZm ~¢H$ Zo ô{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE go~r (ô{X`m ì`mnma {ZfoY) {d{Z`‘ 2015 H$s AnojmAm| Ho$ AZwê$n “ô{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE XoZm ~¢H$ AmMaU g§{hVm’’ Zm‘H$ ì`mnH$ AmMaU g§{hVm V¡`ma H$s h¡. ô{X`m ì`mnma H$s amoH$Wm‘ Ho$ {bE g§{hVm H$mo ~¢H$ H$s do~gmBQ> na ^r aIm J`m h¡. g^r {ZXoeH$, d[að> à~§YZ ñVa Ho$ H$‘©Mmar Ed§ ~¢H$ Ho$ AÝ` H$‘©Mmar, {OZH$s ~¢H$ H$s AàH$m{eV ‘yë` g§doXZerb gyMZm VH$ nhþ§M h¡, Bg Hy$Q> go A{êm{gV h¢, ~¢H$ Zo lr‘Vr Cfm a{d, ‘hmà~§YH$, {ZdoeH$ g§nH©$ H|$Ð à^mar H$mo AZwnmbZ A{YH$mar Ho$ ê$n ‘| {Z`wº$ {H$`m h¡ Omo ~¢H$ H$s à{V^y{V`m| ‘| ì`mnma H$aZo Ho$ {bE nÕ{V`m§ {ZYm©[aV H$aZo Ed§ AmMma g§{hVm Ho$ H$m`m©Ýd`Z Ho$ {bE {Oå‘oXma h¢. df© Ho$ Xm¡amZ Cº$ Hy$Q> H$m {d{YdV² AZwnmbZ hþAm h¡.

AmMma g§{hVm

{ZXoeH$ ‘§S>b Zo AnZo {ZXoeH$m| VWm ‘hmà~§YH$m| Ho$ {bE ^maVr` ~¢H$ g§K Ûmam n[aMm{bV AmXe© AmMma g§{hVm H$mo AZw‘moXZ àXmZ {H$`m h¡, Omo go~r Ho$ n[anÌ grAmB©Ama/gr S>r/Zr{V H$j/2/2014 H$s Amdí`H$VmAm| Ho$ AZwgma {ZXoeH$ ‘§S>b Ûmam ~mX ‘| g§emo{YV {H$`m J`m h¡. Hy$Q> ‘| AÝ` ~mVm| Ho$ gmW gmW B©‘mZXmar Ed§ Z¡{VH$ d¡`{º$H$ AmMaU, ñdñW à{VñnYm©, nmaX{e©Vm Ed§ {d{Y VWm {d{Z`‘m| Am{X H$m AZwnmbZ em{‘b h¡.AmMma g§{hVm ~¢H$ H$s do~ gmBQ> na CnbãY H$am`r J`r h¡.g^r {ZXoeH$m| Am¡a ‘hmà~§YH$m| Zo Bg ~mV H$s nw{ï> H$s h¡ {H$ CÝhm|Zo 31 ‘mM©, 2018 H$mo g‘má df© Ho$ {bE AmMma g§{hVm H$m AZwnmbZ {H$`m h¡.

~¢H$ Zo go~r (Eb.Amo.S>r.Ama.) A{Y{Z`‘, 2015 ‘| {ZYm©[aV H$m°nm}aoQ> A{êmgZ na {XE JE {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡, {OgHo$ Ano{jV àH$Q>rH$aU ZrMo {XE JE h¢ :

2. {ZXoeH$ ‘§S>b

~¢H$ Ho$ {ZXoeH$ ‘§S>b H$m JR>Z ~¢H$H$mar {d{Z`‘ A{Y{Z`‘ 1949 Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘ 1970 VWm amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 Ho$ àmdYmZm| Ho$ Ûmam A{êm{gV hmoVm h¡.

{XZm§H$ 31.03.2018 H$mo {ZXoeH$ ‘§S>b ‘| 8 {ZXoeH$ em{‘b h¢, {OZ‘| Xmo nyU©H$m{bH$ {ZXoeH$ AWm©V gaH$ma Ûmam {Z`wº$ H$m`©nmbH$ {ZXoeH$ VWm 6 J¡a-H$m`©nmbH$ {ZXoeH$ em{‘b h¢. 6 J¡a-H$m`©nmbH$ {ZXoeH$m| ‘| go EH$ ^maV gaH$ma H$m Zm{‘Vr gaH$mar {ZXoeH$, EH$ ^maVr` [aOd© ~¢H$ H$m

à{V{Z{Y {ZXoeH$, ^maV gaH$ma Ûmam {Z`wŠV Xmo {ZXoeH$ Am¡a Ho$Ð gaH$ma Ho$ Abmdm, eoàYmaH$m| Ûmam MwZmd {H$E JE Xmo eoàYmaH$ {ZXoeH$. {ZXoeH$m| Ho$ {ZåZ{bpIV nX ZrMo {XE JE {ddaU Ho$ AZwgma [aŠV h¢:-

H«$‘ g§

nX {XZm§H$ go [aŠV

1 à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar 01.01.2018

2 H$m‘Jma H$‘©Mmar {ZXoeH$ 19.09.2017

3 A{YH$mar H$‘©Mmar {ZXoeH$ 01.01.2016

4 A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$ gZXr boImH$ma 30.06.2014

5 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$

05.12.2016

6 ^maV gaH$ma Ûmam {Z`wŠV {H$E OmZo dmbo - A§eH$m{bH$ J¡a-A{YH$mar {ZXoeH$

28.03.2018

My§{H$ à~§Y {ZXoeH$ d ‘w»` H$m`©nmbH$ A{YH$mar H$m nX [aŠV h¡ AV… {ZXoeH$ ‘§S>b H$s {XZm§H$ 16 OZdar 2018 H$mo Am`mo{OV ~¡R>H$ ‘| à~§Y {ZXoeH$ Ho$ àemg{ZH$ Am¡a {dËVr` A{YH$mam| H$mo d[aîR> H$m`©nmbH$ {ZXoeH$ H$mo gm¢nm h¡ Am¡a `h ^r {ZU©` {b`m h¡ {H$ d[aîR> H$m`©nmbH$ {ZXoeH$ ‘§S>b H$s g^r Cn g{‘{V`m| H$s ~¡R>H$mo AÜ`jVm H$a|, {OZH$s AÜ`jVm ~¢H$ ‘| à~§Y {ZXoe d ‘w»` H$m`©nmbH$ A{YH$mar H$s {Z`w{º$ hmoZo VH$, nyd© AÜ`j Ed§ à~§Y {ZXoeH$ Ûmam H$s OmVr Wr. BgHo$ A{V[aŠV, lr‘Vr V¥îUm Jwhm, H$m`©nmbH$ {ZXoeH$ H$s {XZm§H$ 31.08.2017 H$mo A{Y-d{f©Vm Ho$ níMmV ^maV gaH$ma Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 17 (1) (E) Ho$ A§VJ©V `Wm Ano{jV ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| ‘{hbm {ZXoeH$ H$s {Z`w{º$ Zht H$s JB©.

g‘rjmYrZ df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b H$s {ZåZ{bpIV {V{W`m| na 13 ~¡R>H$m| H$m Am`moOZ {H$`m J`m.

24.04.2017 09.05.2017 22.06.2017 29.07.2017 30.08.2017 23.09.2017

27.10.2017 10.11.2017 29.12.2017 16.01.2018 14.02.2018 06.03.2018

22.03.2018

2.2 {ZXoeH$m| Ho$ {ddaU…

g‘rjmYrZ df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b Ho$ {ZXoeH$m| Ho$ Amdí`H$ {ddaU VWm ‘§S>b H$s ~¡R>H$m| ‘| CZH$s CnpñW{V Ho$ {ddaU AZw~§Y H$, I Ed§ J ‘| {XE JE h¢:

3. {ZXoeH$m| H$s g{‘{V`m±

^maVr` [aOd© ~¢H$/^maV gaH$ma/{dÎm ‘§Ìmb`/ {dÎmr` godmE§ {d^mJ Ûmam Omar {Xem{ZX}em| Ho$ AZwê$n Am¡a H$mnm}aoQ> A{êmgZ Am{X Ho$ ‘mJ©Xeu {gÕm§Vm| Ho$ AZwgma ~¢H$ Zo AnZo {ZXoeH$ ‘§S>b H$s {d{^ÝZ g{‘{V`m| H$m JR>Z {H$`m h¡ {OZH$m ã`m¡am Bg àH$ma h¡.

3.1 {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V

‘§S>b Zo amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970/1980 Ho$ àmdYmZm| Ho$ AZwgma à~§YZ g{‘{V H$m JR>Z {H$`m h¡. g{‘{V Ho$ ‘w»` H$m`m} ‘| AÜ`j Ed§ à~§Y {ZXoeH$ / gmI AZw‘moXZ g{‘{V Ho$ {ddoH$mYrZ A{YH$mam| go A{YH$ Ho$ gmI àñVmdm| H$s ñdrH¥${V, F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd, gyQ> /Anrb Xmà H$aZm, ny§OrJV Ed§ amOñd ì`` Ho$ AZw‘moXZ Ho$ àñVmd, gaH$mar Ed§ AÝ` AZw‘mo{XV à{V^y{V`m|, H§$n{Z`m| / H$m°nm}aoQ> Ho$ eoàm|/ {S>~|Mam|/~m§S>m| ‘| {Zdoe, hm‘rXmar g{hV, n[agam| Ho$ A{KJ«hU



VWm {H$amE na boZo Ho$ àñVmd, XmZ Am¡a AÝ` g^r {dÎmr` AZw‘moXZm| Am{X VWm à~§YZ g{‘{V H$mo {ZXoeH$ ‘§S>b Ûmam àñVwV H$moB© AÝ` ‘m‘bo em{‘b h¢.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

g{‘{V Ho$ gXñ`m| H$s g§aMZm Am¡a ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.2 {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V

{ZXoeH$ ‘§S>b Zo ^maVr` [aOd© ~¢H$ Ho$ AZwXoem| Ho$ AZwgma Aºy$~a, 1995 ‘| {ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Ûmam nÌ g§»`m E’$ g§ 19/20/2007-~rAmo-AmB© {XZm§H$ 18 ’$adar, 2008 Ûmam Xr J`r gyMZm Ho$ AZwgma ‘B© 2008 ‘| g{‘{V H$m nwZJ©R>Z {H$`m J`m.

AmJo, ^maVr` [aµOd© ~¢H$ Zo AnZo nÌ g§. Ama.~r.AmB©./2015-16/181-S>rEg~r.EAmaEg.~rgr 4 / 08.91.020/2015-16 {XZm§H$ 24 {gV§~a 2015 Ûmam gbmh Xr h¡ {H$ {OZ ~¢H$ ‘| EH$ go A{YH$ H$m`©nmbH$ {ZXoeH$ h¡, Vmo {ZarjU Ed§ boIm Ho$ à^mar H$m`©nmbH$ {ZXoeH$ E.gr.~r. Ho$ gXñ` hmoZo Mm{hE Am¡a O~{H$ AÝ` H$m`©nmbH$ {ZXoeH$ H$mo ~¡R>H$ ‘| CZHo$ S>mo‘oZ go g§~§{YV {dMma-{d‘e© hoVw Am‘§{ÌV {H$`m Om gHo$.

boIm narjm g{‘{V Ho$ H$m`m] ‘| boIm narjm H$m`m] H$m n`©dojU H$aZm, ~¢H$ Ho$ {dÎmr` H$m`© {ZînmXZ H$s g‘rjm H$aZm, g‘dVu / AÝ` {ZarjUm| / boIm narjmAm| Ho$ ‘hËdnyU© {ZîH$fm} H$s g‘rjm H$aZm, boIm§H$Z ‘mZH$m| VWm godr (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 18 Ho$ VhV {d{Z{X©ï> AÝ` ‘m‘bm| H$m AZwnmbZ H$amZm em{‘b h¡. C³V g{‘{V {V‘mhr / dm{f©H$ boIm| H$mo {ZXoeH$ ‘§S>b Ho$ AZw‘moXZ hoVw g§ñVwV H$aZo Ho$ nhbo Cg na MMm© Ed§ {dMma H$aVr h¡.

{ZXoeH$ ‘§S>b H$s boIm narjm g{‘{V ‘| {ZXoeH$ ‘§S>b Ho$ nm§M gXñ` em{‘b h¢.


3.3 {ZXoeH$m| H$s nm[al{‘H$ g{‘{V

gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ nyU© H$m{bH$ {ZXoeH$m| Ho$ nm[al{‘H$ ^maV gaH$ma Ûmam {ZYm©[aV {H$`m OmVm h¡. ^maV gaH$ma Ûmam H$m`© {ZînmXZ àmoËgmhZ `moOZm ewê$ H$s JB© h¡; Am¡a ^maV gaH$ma Ho$ {ZXoem| Ho$ AZwgma Cg CÔoí` Ho$ {bE ~¢H$ Zo {ZXoeH$ ‘§S>b H$s nm[al{‘H$ g{‘{V H$m JR>Z {H$`m h¡.

BgHo$ A{V[aŠV, ^maV gaH$ma, {dÎm ‘Ìm§b`, {dÎmr` godmE§ {d^mJ Ho$ nÌ E’$. g§. 121 / 2014-~rAmoE {XZm§H$ 18 AJñV, 2015, Ho$ ‘mÜ`‘ go gmd©O{ZH$ joÌ Ho$ ~¢H$m| (nrEg~r) ‘§S>b Ho$ nyU©H$m{bH$ {ZXoeH$m| (O¡go AÜ`j Am¡a à~§Y {ZXoeH$, à~§Y {ZXoeH$ Am¡a ‘w»` H$m`©nmbH$ A{YH$mar Am¡a H$m`©nmbH$ {ZXoeH$m|) Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z H$aZo Ho$ {bE AnZo A{^{dÝ`mg ‘| n[adV©Z {H$`m h¡. CŠV gyMZm Ho$ AZwgma, nyU©H$m{bH$ {ZXoeH$m| Ho$ H$m`©-{ZînmXZ H$m ‘yë`m§H$Z g{Md ({dÎmr` godm) H$s AÜ`jVm ‘| J{R>V EH$ g{‘{V Ûmam {H$`m OmEJm.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¡.

3.4 {hVYmaH$ g§nH©$ g{‘{V

{ZXoeH$ ‘§S>b Zo {XZm§H$ 10 Zd§~a 2014 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| H$mnm}aoQ> A{êmgZ na go~r Ho$ {Xem{ZX}em| Ho$ AZwgaU ‘| eoà ~mOmam| Ho$ gmW hþE gyMr~ÕVm H$ama Ho$ I§S> 49 Ho$ g§X^© ‘| {XZm§H$ 01 Aºy$~a, 2014 Ho$ AZwnmbZ Ho$ {bE hVYmaH$ g§nH©$ g{‘{V H$m JR>Z {H$`m h¡ Omo {deof én go Kmo{fV bm^m§e Am{X Ho$ àmßV Z hmoZo, VwbZnÌ àmßV Z hmoZo, eoàm| Ho$ A§VaU go g§~§{YV {eH$m`Vm| g{hV H§$nZr Ho$ AÝ` à{V^y{VYmaH$m|, eoàYmaH$m|, {S>~|MaYmaH$m|, ~m§S>YmaH$m| H$s g‘ñ`m| Ho$ {ZnQ>mZ go g§~§{YV ‘m‘bm| Ho$ ‘m‘bo XoIoJr.

BgHo$ A{V[aº$, 06 ‘mM©, 2018 H$mo Am`mo{OV ‘§S>b H$s ~¡R>H$ ‘| ‘§S>b Zo {hVYmaH$ g§nH©$ g{‘{V ‘| eoà hñVm§VaU g{‘{V Ho$ {db` H$mo AZw‘mo{XV H$a {X`m h¡. {hVYmaH$ g§nH©$ g{‘{V, eoà A§VaU g{‘{V Ûmam {H$E OmZo dmbo g^r H$m`m] AWm©V A§VaU H$s nw{ï>, B{³dQ>r eoàm| H$m àofU, eoàm| H$m nwZ‘y©VuH$aU, eoà à‘mUnÌm| H$m à{VñWmnZ, Zm‘ {ZH$mbZm, Zm‘ n[adV©Z Am¡a H$m`©nmbH$m| H$s Am§V[aH$ eoà A§VaU g§drjm g{‘{V Ûmam AZw‘mo{XV à‘mU nÌ H$s Xygar à{V Omar H$aZo, eoàYm[aVm ñdê$n H$s Zmo{Q>J, erf© eoàYmaH$m| H$s gyMr Am¡a eoà A§VaU ñdrH$ma Z H$aZm Am{X H$mo nyam H$aoJr.

31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z H$m {ddaU Am¡a df© 2017-18 Ho$ Xm¡amZ CgH$s ~¡R>H$m| ‘| CnpñW{V Ho$ {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢.

3.5 g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V

~¢H$ H$s g^r OmopI‘ à~§YZ J{V{d{Y`m| H$m n`©dojU H$aZo Ho$ {bE g‘o{H$V OmopI‘ à~§YZ na {ZXoeH$m| H$s g{‘{V J{R>V H$s JB© h¡. BgHo$ H$m`m] ‘| OmopI‘ g§~§Yr AdYmaUmAm| g{hV g^r OmopI‘ g§~§Yr H$m`m] na {ZJamZr aIZm, OmopI‘ ‘yë`m§H$Z Am¡a OmopI‘ Ho$ n[a‘mUZ H$s H$m`©-{d{Y V` H$aZm, OmopI‘ pñW{V hoVw ‘mÝ` ñVa {ZYm©[aV H$aZm, OmopI‘ à~§YZ na à~§YZ Ho$ {ZX}e Am¡a OmopI‘ H$‘ H$aZo H$s VH$ZrH$ Am{X g‘m{dï> h¢.


3.6 ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| na {ZJamZr aIZo hoVw ‘§S>b H$s {deof g{‘{V

^maVr` [aOd© ~¢H$ Ho$ nÌ g§.S>r~rEg.E’$. Ordr (E’$)Amo / 004 / 23.04.01E/2003-04, {XZm§H$ 14 OZdar, 2004 Ho$ AZwgma, ~‹S>r aH$‘ dmbr YmoImY{‹S>`m| {Og‘| Ho$db é 1.00 H$amo‹S> Am¡a Cggo A{YH$ am{e g‘m{dï> hmoJr na {ZJamZr aIZo hoVw, àUmbr ‘| {dÙmZ Im{‘`m| H$s nhMmZ hoVw, gr~rAmB© H$s {ZJamZr H$s àJ{V /Zr{V H$s Om§M Am¡a dgybr H$s pñW{V, YmoImY{S>`m| H$s nwZamd¥{Îm hoVw {ZdmaUmË‘H$ H$m`© XjVm H$s g‘rjm, Am¡a ñQ>m°’$ CÎmaXm{`Ëd Ho$ Om§M H$s pñW{V H$s Om§M hoVw {ZXoeH$m| H$s EH$ Cn g{‘{V H$m JR>Z {H$`m J`m Wm.



3.7 J«mhH$ godm g{‘{V

^maVr` [aOd© ~¢H$ Ho$ {Xem{ZXoem| Ho$ AZwgaU ‘|, {XZm§H$ 14 AJñV 2004, g{‘{V ~¢H$ ‘| J«mhH$ godmAm| H$s JwUdÎmm Am¡a J«mhH$m| H$s {eH$m`Vm| Ho$ {ZXmZ ‘| hmoZo dmbr àJ{V H$s ^r g‘rjm H$aVr h¡.dh J«mhH$ godm ‘| gwYma Ho$ {bE ~mhar ‘m‘bm| g{hV ZE Cnm`m| na ^r {dMma H$aVr h¡.


3.8 gyMZm àm¡Úmo{JH$s g{‘{V na ‘§S>b H$s {deof g{‘{V

{dÚ‘mZ gyMZm VH$ZrH$ ~w{Z`mXr gw{dYmAm| H$m A{YH$V‘ Cn`moJ gw{Z{üV H$aZo, ~¢H$ Ho$ gyMZm VH$ZrH$ {‘eZ na {dMma H$aZo, Zr{VJV ‘m‘bm| Ho$ g§~§Y ‘| gyMZm VH$ZrH$ {d^mJ H$mo {ZXoe XoZo Am{X Ho$ C{MV Cn`moJ H$mo Ü`mZ ‘| aIVo hþE gyMZm VH$ZrH$ Ho$ {bE ‘§S>b Ho$ {ZXoeH$m| H$s g{‘{V J{R>V H$aZo H$s Amdí`H$Vm ‘hgyg H$s J`r. ‘§S>b Zo {XZm§H$ 1 Aà¡b, 2003 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| gyMZm VH$ZrH$ na {ZXoeH$m| H$s g{‘{V J{R>V H$s.{dÚ‘mZ AmB©.Q>r.H$s AmYma^yV g§aMZm Ho$ A{YH$V‘ à`moJ H$s gw{dYm àXmZ H$aZo Ho$ {bE, ~¢H$ Ho$ AmB©.Q>r.Ho$ bú` H$mo àmá H$aZo Ho$ {bE, AmB©.Q>r. {d^mJ H$mo Zr{VJV ‘m‘bm| ‘| {ZXoe XoZo Am¡a à‘wI {dVaU M¡Zbm| Ho$ A§VJ©V boZXoZ ‘mÌm H$s g‘rjm, AmB©.Q>r H$s ~w{Z`mXr gw{dYmAm| H$mo ‘mnZr`Vm, àm¡Úmo{JH$s Ho$ joÌ ‘| hþE ZE {dH$mg, H$mamo~ma H$s {Za§Va `moOZm, gm`~a gwajm Am¡a nhbm| Am¡a gyMZm àm¡Úmo{JH$s Ho$ joÌm| Am¡a {d‘wÐrH$aU Am{X Ho$ nümV Jmd Ho$ {S>{OQ>brH$aU Ho$ {bE ~¢H$ H$s V¡`m[a`m| H$s {ZJamZr aIZo Ho$ {bE ‘§S>b Zo 26 Am¡a 27 AJñV, 2005 H$mo CgH$m nwZJ©R>Z {H$`m.

BgHo$ A{V[aŠV, Ama~rAmB© n[anÌ g§. Ama~rAmB©/2010-11/494/S>r~rEg.H$mo.AmB©Q>rgr.~rgr.EZAmo 6/31/02.008/2010-11 {XZm§H$ 29 Aà¡b, 2011 Ho$ AZwgma, gyMZm gwajm, BboŠQ´m°{ZH$ ~¢qH$J, àm¡Úmo{JH$s, OmopI‘ à~§YZ Am¡a gmB~a YmoImY‹S>r Ho$ H$m`©Xb g‘yh H$s {g’$m[aem| Ho$ H$m`m©Ýd`Z na, gXñ`m| Ho$ ê$n ‘| AhVm© àmßV Ý`yZV‘ Xmo {ZXoeH$m| {OZ‘| go EH$ ñdV§Ì {ZXoeH$ Am¡a Xygam à~§YZ àm¡Úmo{JH$s ‘| n`m©ßV AmB©Q>r {deofkVm aIZo dmbr EH$ gXñ` {ZXoeH$ ñdV§Ì AmB©Q>r aUZr{V g{‘{V H$m nyU©-JR>Z {H$`m J`m Wm.


3.9 AZwnmbZ g{‘{V

^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m.S>r~rEg.grAmo.nrnr.~rgr.6/11.01.005/2006-07 {XZm§H$ 20 Aà¡b, 2007 Ûmam ~¢H$m| ‘| AZwnmbZ H$m`© Ho$ {bE {Xem{ZX}e {Xò h¢.BZ {Xem{ZX}em| Ho$ AmYma na ~¢H$ Zo AnZr AZwnmbZ Zr{V ~Zm`r h¡ {OgH$m AZw‘moXZ {ZXoeH$ ‘§S>b Zo {XZm§H$ 29 {Xg§~a, 2007 H$mo Am`mo{OV ~¡R>H$ ‘| {H$`m h¡.Zr{V Ho$ àmdYmZm| Ho$ AZwgma, AZwnmbZ na {ZXoeH$m| H$s g{‘{V H$m JR>Z 29 {Xg§~a, 2007 H$mo {H$`m J`m. 29 OZdar, 2009 H$mo Bg g{‘{V H$m nwZJ©R>Z {H$`m J`m.


3.10 Zm‘m§H$Z g{‘{V.

^maVr` [aOd© ~¢H$ Zo AnZo nÌ g§»`m. S>r~rAmoS>r. gr.~rgr.g§»`m. 47/29.39.001/2007-08 {XZm§H$ 1 Zd§~a, 2007 Ûmam dV©‘mZ {Zdm©{MV {ZXoeH$m| Am¡a Cå‘rXdmam|, Omo {Zdm©MZ Ho$ {bE AnZo Zm‘m§H$Z âVo h¢, H$s `mo½`Vm Ed§ Am¡{MË` H$s pñW{V H$m {ZYm©aU H$aZo hoVw Om§M n‹S>Vmb à{H«$`m H$aZo hoVw {ZXoeH$m| H$s Zm‘m§H$Z g{‘{V (g^r ñdV§Ì / J¡a H$m`©nmbH$ {ZXoeH$m|) J{R>V H$aZo Ho$ ~mao ‘| gy{MV {H$`m h¡. BZ {Xem{ZX}em| Ho$ AmYma na, ‘§S>b Ûmam {Xg§~a 29, 2007 H$mo Am`mo{OV AnZr ~¡R>H$ ‘| Zm‘m§H$Z g{‘{V H$m JR>Z {H$`m J`m. C³V g{‘{V H$m 18 OwbmB©, 2011, 29 {gV§~a, 2011 Am¡a 29 OyZ, 2016 H$mo nwZJ©R>Z {H$`m J`m.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| H$m JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢

3.11 gmI AZw‘moXZ g{‘{V

amOnÌ A{YgyMZm g§ 13/1/2006-~rAmo. {XZm§H$ 5 {Xg§~a 2011 Ho$ AZwgaU ‘| Am¡a amï´>r`H¥$V ~¢H$ (à~§YZ Am¡a {d{dY àmdYmZ) g§emoYZ moOZm, 2011 Ho$ àmdYmZm| Ho$ AZwgma, ‘§S>b Zo {XZm§H$ 06 OZdar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s gmI AZw‘moXZ g{‘{V H$m JR>Z {H$`m. {Ogo {XZm§H$ 31 OZdar, 2012 H$mo amOnÌ A{YgyMZm g§»`m 13/01/2006-~rAmo - AmB©. Ûmam Am¡a AmJo g§emo{YV {H$`m, {Ogo {XZm§H$ 06 ’$adar, 2012 H$mo g§nÝZ ‘§S>b H$s ~¡R>H$ ‘| AZw‘mo{XV {H$`m J`m.g{‘{V Ho$ à‘wI H$m`m] ‘| F$U g‘Pm¡Vo àñVmd/~Å>o ImVo {bIZo Ho$ àñVmd Am{X Am¡a énò Xmo gm¡ nMmg H$amo‹S> VH$ H$s F$U H$s ñdrH¥${V em{‘b h¡.

‘§S>b H$s gmI AZw‘moXZ g{‘{V ‘| nm§M gXñ` em{‘b h¢ {OZ‘| Xmo nyU© H$m{bH$ {ZXoeH$ AWm©V Xmo H$m`©nmbH$ {ZXoeH$ Am¡a VrZ ‘hmà~§YH$ AWm©V ‘hmà~§YH$ (H$mnm}aoQ> H«o${S>Q>), ‘hmà~§YH$ (OmopI‘ à~§YZ) Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) h¡.

{XZm§H$ 31.03.2018 H$mo g{‘{V Ho$ gXñ`m| Ho$ JR>Z Am¡a df© 2017-18 Ho$ Xm¡amZ Am`mo{OV ~¡R>H$m| ‘| CnpñW{V H$m {ddaU AZw~§Y I Am¡a J ‘| {XE JE h¢

3.12 ‘mZd g§gmYZ na ‘§S>b H$s ñWm`r g{‘{V

^maV gaH$ma Zo, gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ ‘mZd g§gmYZ g§~§{YV ‘wÔm| na AÜ``Z H$aZo Am¡a {g’$m[ae H$aZo hoVw {XZm§H$ 22 Aºy$~a, 2009 H$mo S>m°. A{Zb I§So>bdmb H$s AÜ`jVm ‘| EH$ g{‘{V H$m JR>Z {H$`m.^maV gaH$ma Zo gyMZm E’$.g§.9/18/2009-AmB©.Ama {XZm§H$ 21 Aºy$~a, 2011 Ûmam BZ {g’$m[aem| na AnZm AZw‘moXZ gy{MV {H$`m, dh {g’$m[ae| {XZm§H$ 6 ’$adar 2012 H$mo Am`mo{OV ~¡R>H$ ‘| h‘mao ‘§S>b Ho$ g‘j aIr JBª. I§So>bdmb g{‘{V H$s {g’$m[aem| Ho$ AmYma na, ‘§S>b Zo ‘mZd g§gmYZ Ho$ à‘wI ‘wÔm| na {dMma {d‘e© H$aZo, ‘mZd g§gmYZ à~§YZ `moOZm Am¡a ‘mZd g§gmYZ na g§~§{YV Zr{V`m| H$s g‘rjm H$aZo, I§So>bdmb g{‘{V Ho$ gwPmdm| Ho$ AZwgma {XZm§H$ 27 ‘mM©, 2012 H$mo ‘mZd g§gmYZ na ‘§S>b H$s g§MmbZ g{‘{V J{R>V H$s.g{‘{V H$s ~¡R>H$ {V‘mhr A§Vamb ‘| hmoVr h¡.




3.13 Cƒ ‘yë` Ho$ EZ. nr. E. Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr g{‘{V

{dÎmr` godmE§ {d^mJ, {dÎm ‘§Ìmb`, ^maV gaH$ma go àmßV nÌ g§»`m E’$.g§.7/112/2012-~rAmoE {XZm§H$ 21 Zd§~a, 2012 Ho$ AZwgma ‘§S>b Zo Cƒ ‘yë` Ho$ EZ nr E Am¡a hm{Z dmbr AmpñV`m| H$s {ZJamZr Ho$ {bE 11 {Xg§~a, 2012 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b H$s EH$ Cn g{‘{V H$m JR>Z {H$`m. ‘§S>b Zo {XZm§H$ 28 ‘mM©, 2014 H$mo g{‘{V H$mo nwZJ©{R>V {H$`m Wm.


3.14 ‘§S>b H$s {ZJ©‘ g{‘{V…

09 Zd§~a, 2013 H$mo ‘§S>b Zo n[aH${bV H$s‘V H$s nw{ï> H$aZo Ho$ {bE {ZXoeH$m| H$s g{‘{V H$m JR>Z {H$`m Omo go~r (AmB©.gr.S>r.Ama.) {d{Z`‘m| Ho$ AZwgma {ZYm©[aV VWm gm§{d{YH$ boIm narjH$ Ûmam à‘m{UV hmo {OgHo$ AZwgma A{Y‘mZr AmYma na ^maV gaH$ma H$mo A{Y‘mZr AmYma na B{³dQ>r eo`a Omar {H$E OmE§Jo. C³V g{‘{V H$mo eo`am| H$mo AmJo Omar H$aZo Ho$ {d{^ÝZ nhbwAm| Ho$ g§~§Y ‘| {ZU©` boZo VWm àemg{ZH$ {ZU©` boZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡ Am¡a A{YH$ma {XE JE h¡.

BgHo$ A{V[aŠV, ‘§S>b H$s {XZm§H$ 23 {gV§~a, 2017 H$mo Am`mo{OV ~¡R>H$ ‘| ‘§S>b Zo {ZJ©‘ g{‘{V H$mo nwZ… J{R>V {H$`m h¡. ‘§S>b H$s {ZJ©‘ g{‘{V H$m CÔoí` {ZJ©‘ H$s‘V Omar Am¡a Amd§{Q>V H$s OmZo dmbr H$B© à{V^y{V`m|, go~rAmB© (AmB©grS>rAma) {d{Z`‘, 2009 Ho$ A§V©JV WmC{„pIV A{Y‘mZr/Ah©VmàmßV g§ñWmJV à{VñWmnZ (Š`y.AmB©.nr.)/A{YH$ma/~moZg/E’$nrAmo/AÝ` H$moB© AmYma na à{V^y{V`m| Ho$ {d^mOZ Am¡a Amd§Q>Z H$m AZw‘moXZ H$aZm h¡.


3.15 {d^mJr` nXmoÞ{V g{‘[V

^maV gaH$ma, {dÎm ‘§Ìmb`, Am{W©H$ H$m`© {d^mJ, ~¢qH$J à^mJ, gVH©$Vm AZw^mJ Ho$ {XZm§H$ 08 OyZ, 1998 Ho$ kmnZ g§. 10/6/98/drAmB©Or Ho$ AZwgma EH$ g{‘{V J{R>V H$s JB© {Og‘| AÜ`j Ed§ à~§Y {ZXoeH$, VWm ~¢H$ ‘| ^maV gaH$ma Ed§ ^maVr` [aµOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ em{‘b h¢, `h g{‘{V d[að> ñVa na nXmoÝZ{V na {dMma H$aVr h¡ VWm {deof ê$n go {V‘mhr AmYma na ~¡R>H$ H$a gVH©$Vm AZwemgZmË‘H$ ‘m‘bm| VWm {d^mJr` Om§M H$s g‘rjm H$aVr h¢. VXZwgma, {XZm§H$ 09 Zd§~a, 2013 H$mo {ZXoeH$ ‘§S>b H$s ~¡R>H$ ‘| g{‘{V H$m JR>Z {H$`m J`m.


3.16 àmW{‘H$Vm àmßV joÌ F$U g{‘[V…

{XZm§H$ 27 OwbmB©, 2013 H$mo ‘§S>b Zo ‘§S>b H$s Cn-g{‘{V H$m JR>Z {H$`m Omo {H$ àmW{‘H$Vm àmá joÌm| H$mo {XE JE bú` H$s àm{á na A{YH$ Ü`mZ VWm àmW{‘H$Vm àmá joÌm| H$mo CYma Ho$ {d{^Þ Cn-joÌm| ‘| H$s JB© àJ{V, {d{^Þ bú`m| H$mo àmá H$aZo Ho$ {bE H$m`© Zr{V Ho$ à{VnmXZ Ed§ H$s JB© àJ{V H$s {ZJamZr H$s g‘rjm H$aoJr.


3.17 BamXVZ MyH$H$Vm©Am| Ho$ nw{ï>H$aU hoVw ‘§S>b g{‘{V

^maVr` [aµOd© ~¢H$ Zo AnZo n[anÌ g§. S>r.~r.Amo.S>r. g§. ~rgr/grAmB©Eg/47/20.16.002/94 {XZm§H$ 23.04.1994 Am¡a g§emo{YV n[anÌ g§. Ama~rAmB©/2014-15/73 {XZm§H$ 07.01.2015 Ûmam `h gy{MV {H$`m h¡ {H$ BamXVZ MyH$H$Vm©Am| H$s nhMmZ Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b Ûmam {XZm§H$ 17 Aà¡b 2015 H$mo Am`mo{OV ~¡R>H$ ‘| BamXVZ MyH$H$Vm©Am| H$s g‘rjm Ho$ {bE {ZXoeH$ ‘§S>b g{‘{V H$m JR>Z {H$`m J`m.


3.18 J¡a-ghH$mar CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b g{‘{V

^maVr` [aµOd© ~¢H$, Ho$ nÌ g§. S>r.~r.Ama.gµ§.grAmB©S>r.~rgr.54/20.16.064/2014-15 {XZmH$ {Xg§~a 22, 2014 Ûmam Agh`moJr CYmaH$Vm©Am| H$s g‘rjm Ho$ g§~§Y ‘| H$m`©nmbH$ {ZXoeH$ H$s AÜ`jVm dmbr g{‘{V Ho$ AmXoe H$s g‘rjm H$aZo hoVw AÜ`j Ed§ Xmo ñdV§Ì {ZXoeH$m| H$s AÜ`jVm dmbr g‘rjm g{‘{V Ho$ JR>Z H$aZo Am¡a Agh`moJr CYmaH$Vm©Am| Omo CYmaH$Vm©Am| Ho$ gmW aMZmË‘H$ ê$n go Xo` aH$‘ H$m g‘` na ^wJVmZ ‘| MyH$ O~{H$ do ^yJVmZ H$aZo ‘| gj‘ hmoZo na ^r g§nH©$ ‘| Zht h¢, ‘m§Jr JB© Amdí`H$ gyMZmAm| H$mo CnbãY Zm H$amZo Ho$ H$maU CZHo$ Xo`m| H$s dgybr Ho$ {bE CYmaXmVmAm| Ho$ à`mg H$s ZmH$m‘`m~r, àXmZ {H$ JB© {dÎmr`nmo{fV / g§nm{œ©H$ à{V^y{V VH$ H$s nhþM Zm hmoZo, à{V^y{V H$s {~«H$s ‘| ~mYm Am{X, H$s nhMmZ Ho$ g§~§Y ‘| AmXoe H$s nw{ï>/ A§{V‘ ê$n XoZo {ZXoe {XE h¢. BZ {Xem{ZXoem| Ho$ AmYma na, ‘§S>b g{‘{V Zo Agh`moJr CYmaH$Vm©Am| H$s g‘rjm hoVw ‘§S>b {H$ {XZm§H$ 07 Zd§~a 2015 H$mo Am`mo{OV ~¡R>H$ ‘| JR>Z {H$`m J`m h¡. df© 2017-18 ‘| H$moB© ~¡R>H$ Am`mo{OV Zht H$s JB©.


4 H$m`©nmbH$m| H$s g{‘{V`m…

~¢H$ Ho$ {XZ-à{V{XZ Ho$ H$m`©H$bmnm| Ho$ gwMmé ê$n go g§MmbZ Ho$ {bE ~¢H$ Zo AZoH$ Am§V[aH$ g{‘{V`m| H$m ^r JR>Z {H$`m h¡. Hw$N> Am§V[aH$ g{‘{V`m± Bg àH$ma h¢ :-

4.1 {Zdoe g{‘{V :

~¢H$ Zo {Zdoe g§~§Yr ‘m‘bm| Am¡a ‘wÐm ~mOma n[aMmbZm| Ho$ g§~§Y ‘| H$m`©nmbH$m| H$s {Zdoe g{‘{V H$m JR>Z {H$`m h¡. C³V g{‘{V {Zdoe Ed§ {Z{Y à~§YZ g§~§Yr g^r boZ-XoZ ‘m‘bm| H$s g‘rjm H$aVr h¡ Am¡a Amdí`H$ {Xem{ZX}e àXmZ H$aVr h¡. g{‘{V H$s ~¡R>H|$ gámh ‘| Xmo ~ma `m {Zdoe {ZU©`m| H$s g‘rjm H$aZo Ho$ {bE O~ H$^r ^r Amdí`H$ hmo, V~ Am`mo{OV H$aZm Amdí`H$ hmoVr h¢.

g{‘{V H$s AÜ`jVm ~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s ~¡R>H|$ {Z`{‘V én go Am`mo{OV hþBª.



4.2 AmpñV Xo`Vm à~§YZ g{‘{V

~¢H$ Zo AmpñV Xo`Vm à~§YZ g{‘{V (E.Eb.gr.Amo.) H$m JR>Z {H$`m h¡. g{‘{V H$s AÜ`jVm AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a CZH$s AZwnpñW{V ‘| H$m`©nmbH$ {ZXoeH$ H$aVo h¢.g{‘{V Ho$ H$m`m] ‘| AÝ` ~mVm| Ho$ gmW-gmW ~mOma OmopI‘ à~§YZ, VabVm OmopI‘ à~§YZ, AmpñV Ed§ Xo`VmAm| H$s ã`mO Xa g§doXZerbVm na {ZJamZr aIZm Ed§ ã`mO Xam| Am{X H$m {ZYm©aU gpå‘{bV h¡.

à^mar ‘hmà~§YH$ Ed§ àYmZ H$m`m©b` Ho$ AÝ` H$m`©nmbH$ g{‘{V Ho$ AÝ` gXñ` h¢. g‘rjmYrZ df© Ho$ Xm¡amZ ~¢H$ ‘| E.Eb.E‘. H$m`m©Ýd`Z ‘| àJ{V g§~§Yr {dMma-{d‘e© Ed§ g‘rjm H$aZo hoVw g{‘{V H$s 63 ~¡R>H|$ Am`mo{OV hþBª.

4.3 Am§V[aH$ eoà A§VaU g§drjm g{‘{V

~¢H$ Zo CZ eoàm| Ho$ A§VaU H$m AZw‘moXZ H$aZo Ho$ {bE ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eoà A§VaU g§drjm g{‘{V H$m JR>Z {H$`m h¡, Omo ~¢H$ Ho$ a{OñQ´ma Ed§ eoà A§VaU EO|Q>m| Ûmam g§gm{YV {H$E OmVo h¢. g{‘{V g‘`-g‘` na ~oH$mJOrH$aU H$s {Xem ‘| hþB© àJ{V H$s pñW{V Am¡a ~¢H$ Ho$ eoàm| Ho$ ‘yë`m| ‘| hþB© KQ>-~‹T> H$s ^r Amd{YH$ én go g‘rjm H$aVr h¡.‘hmà~§YH$ ({dÎm à~§YZ), ghm`H$ ‘hmà~§YH$ (AmB©.Ama.gr.), Cn ‘hmà~§YH$ (‘§S>b g{Mdmb`), ‘w»` à~§YH$ (AmB©.Ama.gr.)/ H§$nZr g{Md g{‘{V Ho$ gXñ` h¢ Am¡a ‘hmà~§YH$ ({dÎm à~§YZ) Cº$ g{‘{V Ho$ AÜ`j Ho$ én ‘| H$m`© H$aVo h¢. AmbmoÀ` df© Ho$ Xm¡amZ g{‘{V H$s 38 ~¡R>H|$ g§nÝZ hþBª.

4.4 n[aga g§~§Yr ‘m‘bm| na H$m`©nmbH$m| H$s Am§V[aH$ g{‘{V (AmB©.gr.B©.)

g{‘{V Ho$ ‘w»` H$m`© ~¢H$ Ho$ n[agam| O¡go nÅ>mH¥$V/ñdm{‘Ëddmbo AmYm[aV, {H$amò ‘| ~T>moVar, ~H$m`m am{e H$m wJVmZ, nÅ>m ZdrH$aU Am¡a nÅ>mH¥$V n[agam| Am{X H$mo dmng bm¡Q>mZo, ‘§Oyar/Zr{V Am{X H$s eVm] ‘| {dMbZ/AmemoYZ Ho$ AZw‘moXZ Am{X H$s ñdrH¥${V XoZm VWm Eogo àñVmdm| H$s {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V H$mo {g’$m[ae H$aZm Ohm± ^wJVmZ H$s OmZodmbr aH$‘ AmB©.gr.B© Ho$ {bE {ZYm©[aV {ddoH$mYrZ A{YH$ma go A{YH$ hmo.

g{‘{V Ho$ AÜ`j, AÜ`j Ed§ à~§Y {ZXoeH$ h¢. H$m`©nmbH$ {ZXoeH$ VWm N>… ‘hmà~§YH$ g{‘{V Ho$ gXñ` h¢.

df© 2017-18 Ho$ Xm¡amZ g{‘{V H$s 10 ~¡R>H|$ g§nÝZ hþBª Am¡a 73 àñVmdm| H$mo AmB©.gr.B©. Ho$ g‘j àñVwV {H$E {H$E JE Wo.

5. {ZXoeH$m| Ho$ nm[al{‘H$

AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a H$m`©nmbH$ {ZXoeH$ H$mo ^maV gaH$ma Ho$ dV©‘mZ {Xem{ZXoem| Ho$ AZwgma g§doVZ / nm[al{‘H$ H$s AXm`Jr H$s JB© VWm ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ed§ AÝ` g{‘{V`m| H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bE CÝh| {H$gr àH$ma Ho$ ~¡R>H$ ewëH$ H$s AXm`Jr Zht H$s JB©. ^maV gaH$ma {dÎm ‘§Ìmb` {dÎmr` godmE§ {d^mJ go àmá A{YgyMZm E’$.g§. 15/1/2011-~r.Amo.AmB© {XZm§H$ 20 OybmB© 2015 Ho$ AZwgma, AÝ` g^r J¡a-H$m`©nmbH$ {ZXoeH$m| ^maV gaH$ma Am¡a ^maVr` [aOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ H$mo N>mo‹S>H$a AÝ` àËòH$ ‘§S>b H$s ~¡R>H$ ‘| ^mJ boZo Ho$ {bE ê$. 20,000/- ~¡R>H$ ewëH$ Am¡a ê$ 10,000/- àËòH$ AÝ` g{‘{V H$s ~¡R>H$ ‘| ^mJ boZo Ho$ {bE AXm {H$E JE.

~¡R>H$ ewëH$, {OgHo$ {bE {ZXoeH$ H$mo Cn`w©º$ AZwgma ^wJVmZ {H$`m OmZm h¡, Ho$ Abmdm ~¢H$ Ho$ H$m`© Ho$ g§~§Y ‘| `mÌm H$aZo dmbo Bg àH$ma Ho$ àËòH$ {ZXoeH$ H$mo Ho$Ð gaH$ma Ûmam g‘`-g‘` na {Z`V AmYma na CZH$m/CZH$s `mÌm Ed§ {dam‘ ì`` (Omo ^r hmo) H$s à{Vny{V© ~¢H$ Ûmam H$s OmEJr. J¡a

H$m`©nmbH$ {ZXoeH$m| Ho$ nm[al{‘H$ go g§~§{YV g^r ‘m‘bo, amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 ‘| C{ëbpIV àmdYmZm| Ûmam em{gV h¢.

6. nXm©’$me H$aZo dmbo H$s Zr{V

~¢H$ Ho$ {ZXoeH$ ‘§S>b Zo gr.dr.gr. Am¡a go~r Ho$ {Xem{ZXoem| Ho$ AZwgma {dgb ãbmoAa Zr{V Zm‘H$ Zr{V H$m AZw‘moXZ {H$`m h¡. Bg V§Ì Ho$ AYrZ, H$moB© ^r H$‘©Mmar, AZ¡{VH$ ì`dhma, `{X H$moB© hmo, dmñV{dH$ `m g§{X½Y YmoImY‹S>r `m AmMaU VWm Zr{V Ho$ Cëb§KZ Am{X Ho$ g§~§Y ‘| gr.dr.Amo./ à~§YZ H$mo H¡$go [anmoQ>© H$a gH$Vo h¡ BgH$s OmZH$mar Xr JB© h¡. `h V§Ì H$‘©Mm[a`m| H$mo Omo Bg ì`dñWm H$m à`moJ H$aVo h¡, CËnrS>Z Ho$ pIbm’$ n`m©ßV gwajm àXmZ H$aVr h¡ Am¡a AgmYmaU n[apñW{V`m| ‘|, boIm narjm g{‘{V Ho$ AÜ`j VH$ grYo nhþ§MZo H$s gw{dYm àXmZ H$aVr h¡. {dgb ãbmoAa Zr{V 2014-15 ~¢H$ H$s do~gmB©Q> na àX{e©V H$s JB© h¡.

7. gmYmaU g^m H$s ~¡R>H|$

{nN>br VrZ dm{f©H$ gm‘mÝ` g^mAm| Ed§ {nN>br VrZ AgmYmaU gm‘mÝ` g^mAm| H$m ã`m¡am ZrMo {X`m J`m h¡. g^r ~¡R>H|$ EH$ hr ñWmZ g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Oo.dr.nr.S>r. `moOZm, {dbonmb} (n{ü‘) ‘w§~B© -400 056 ‘| g§nÞ hþB©.

~¡R>H$ H$m ã`m¡am nydm©Ýh VmarI Am¡a g‘`

B³H$sgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 27 OyZ, 2017 àmV… 11: 00

~rgdt dm{f©H$ gm‘mÝ` g^m * ‘§Jbdma, 28 OyZ, 2016 àmV… 11.00

CÞrgdt dm{f©H$ gm‘mÝ` g^m e{Zdma, 27 OyZ, 2015 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maV gaH$ma H$mo A{Y‘mZr AmYma na B©{¹$Q>r eoàm| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

‘§Jbdma, 27 ‘mM©, 2018 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maV gaH$ma/^maVr` OrdZ ~r‘m {ZJ‘ Am¡a ^maVr` gm‘mÝ` ~r‘m {ZJ‘ H$mo A{Y‘mZr AmYma na B©{¹$Q>r eoàm| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

gmo‘dma, 27 ‘mM©, 2017 àmV… 11.00

AgmYmaU gm‘mÝ` g^m (^maVr` OrdZ ~r‘m {ZJ‘ Ho$ A{Y‘mZr AmYma na B©{¹$Q>r eoàm| H$m g¥OZ, àñVmd, Omar H$aZo VWm Am~§Q>Z Ho$ {bE)

Jwê$dma, 22 {gV§~a, 2016 àmV… 11.00

* {nN>br dm{f©H$ gmYmaU g^m ‘| lr AœZr Hw$‘ma - AÜ`j Ed§ à~§Y {ZXoeH$, lr‘Vr V¥îUm Jwhm - H$m`©nmbH$ {ZXoeH$, lr a‘oe Eg. qgh - H$m`©nmbH$ {ZXoeH$, lr dr M§ÐgoH$aZ eoàYmaH$ {ZXoeH$ Ed§ AÜ`j, boIm narjm g{‘{V CnpñWV Wo.

21dt dm{f©H$ gmYmaU g^m H$s ~¡R>H$ Cn`w©ŠV CŠV AgmYmaU gm‘mÝ` g^m ‘| {deof g§H$ën nm[aV {H$`m J`m Wm.

S>mH$ ‘VXmZ - {nN>bo {dÎm df© Ho$ Xm¡amZ ~¢H$ Zo {H$gr S>mH$ ‘VXmZ H$m Am`moOZ Zht {H$`m.



B©-‘VXmZ - ~¢H$ Zo Cn`w©ŠVmZwgma Am`mo{OV dm{f©H$ gm‘mÝ` g^m Am¡a AgmYmaU gm‘mÝ` g^m ‘| àñVwV {H$E JE g§H$ënm| Ho$ {bE eoàYmaH$m| H$mo B©-‘VXmZ H$s gw{dYm àXmZ {H$`m.

8. àH$Q>Z :

8.1 ^m¡{VH$ boZ-XoZ VWm Am{W©H$ g§~§Y H$m àH$Q>Z

~¢H$ Zo g§~§{YV nj boZ-XoZm| Ho$ ^m¡{VH$Vm Am¡a g§~§{YV nj boZ-XoZm| Ho$ gmW {ZnQ>mZ na Zr{V ~ZmB© h¡ Omo {XZm§H$ 09 OZdar, 2015 H$mo Am`mo{OV ~¡R>H$ ‘| {ZXoeH$ ‘§S>b Ûmam AZw‘mo{XV h¡. Cn`w©º$ Zr{V ~¢H$ H$s do~gmB©Q> na ^r àX{e©V H$s JB© h¡, CgH$s do~ qbH$ {ZåZ àH$ma h¡ : http://www.denabank.

com/uploads/files/1421147731326-RPT-Policy.pdf

{XZm§H$ 31 ‘mM©, 2018 H$mo g‘má {dÎm df© ‘| ~¢H$ Am¡a CgHo$ {ZXoeH$m| Ho$ ~rM {H$gr àH$ma Ho$ ‘hËdnyU© g§~§{YV nj Ho$ boZ-XoZ, Am{W©H$ boZ-XoZ `m g§~§Y H$s H$moB© Eogr KQ>Zm Zht hþB©, {OgH$m ì`mnH$ én go ~¢H$ Ho$ {hVm| Ho$ gmW g§^mì` Q>H$amd g§^m{dV hmo.

~¢H$ Zo JwOamV amÁ` ‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V XoZm JwOamV J«m‘rU ~¢H$ (S>r.Or.Or.~r.) H$m àm`moOZ {H$`m h¡ {Og‘| ~¢H$ H$m ñdm{‘Ëd 35% h¡. df© Ho$ Xm¡amZ, S>r.Or.Or.~r. Zo XoZm ~¢H$ gh^m{JVm A§Va ~¢H$ gh^m{JVm à‘mUnÌ (AmB©.nr.~r.gr.) ‘| é 190 H$amo‹S> H$m OmopI‘ gmPm AmYma na àmW{‘H$Vm joÌ ‘| {d{^Þ F$Um| go g§~§{YV {Zdoe {H$`m h¡ Omo 27 {Xg§~a 2017 H$mo n[anŠd hmo J`m Wm. S>r.Or.Or.~r. Zo XoZm ~¢H$ Ho$ Q>rà 2 ~m±S> ‘| ê$. 2 H$amo‹S> H$m {Zdoe {H$`m h¡. BgHo$ A{V[aŠV, {XZm§H$ 31.03.2018 VH$ ~¢H$ ‘| S>r.Or.Or.~r. H$s é 644.50 H$amo‹S> O‘mam{e`m§ hmo JB© Am¡a é 594.35 H$amo‹S> Ho$ A{J«‘ {bE h¡.

8.2 ~¢H$ Ûmam AZwnmbZ Z {H$E, OmZo go g§~§{YV H$moB© ‘m‘bm àH$me ‘| Zht Am`m h¡ VWm eoà ~mOma / go~r `m AÝ` gm§{d{YH$ àm{YH$aU Ûmam {nN>bo VrZ dfm] Ho$ Xm¡amZ ny§Or ~mOmam| go g§~§{YV {H$gr ^r ‘m‘bo ‘| ~¢H$ na {H$gr àH$ma H$m Ow‘m©Zm / Amjon Zht bJm`m J`m.

8.3 XoZm ~¢H$ Ûmam go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 40(9) H$s AnojmZwgma, AÝ` ~mVm| Ho$ gmW-gmW A§VaU, àofU, Cn {d^mOZ, g‘oH$Z, ZdrH$aU VWm B©{¹$Q>r eoàm| H$m {d{Z‘`, CZHo$ àñVw{VH$aU H$s {V{W go 30 {XZ Ho$ A§Xa {H$ò OmZo Ho$ g§~§Y ‘| noeoda H§$nZr g{Md go àËòH$ N>… ‘hrZo ‘| à‘mUnÌ àmá H$aZm hmoJm. Bg à‘mUnÌ H$mo Omar hmoZo Am¡a ~r.Eg.B©. Ed§ EZ.Eg.B©.H$mo na Xmà H$aZo {H$`m OmVm h¡ Ohm§ ~¢H$ Ho$ eoà gyMr~Õ h¢.

8.4 go~r Ho$ n[anÌ g§»`m S>rEÊS>grgr/E’$AmB©Q>rQ>rgr/grAmB©Ama-16 {XZm§H$ {Xg§~a 31, 2002 Ho$ AZwgma, XoZm ~¢H$ H$s Hw$b {ZJ©V / MwH$Vm B©{¹$Q>r ny§Or Ho$ gmW ^m¡{VH$ ê$n ‘| VWm {S>nm{OQ>ar Ho$ nmg aIr J`r Hw$b B©{¹$Q>r eoà ny§Or H$m g‘m`moOZ H$aZo Ho$ CÔoí` go ì`mdgm{`H$ H§$nZr g{Md H$s ’$‘© Ûmam eoà ny§Or boIm narjm H$m {‘bmZ(nyd© ‘| g{Mdr` boIm narjm Ho$ Zm‘ go OmZm OmVm Wm) {V‘mhr AmYma na H$s OmVr h¡. Bg g§~§Y ‘| Omar à‘mUnÌ ~r.Eg.B© Ed§ EZ.Eg.B© H$mo,{V‘mhr g‘m{á Ho$ ~mX 30 {XZm| ‘| AJ«o{fV {H$`m J`m h¡ Ohm§ ~¢H$ Ho$ B©{¹$Q>r eoà gyMr~Õ h¢.

8.5 ~¢H$ Ûmam AZwnmbZ H$s JB© J¡a-A{Zdm`© AnojmAm| H$s eV] {ZåZ àH$ma h¡

H«$‘ g§»`m

Anojm AZwnmbZ

1 {ZXoeH$ ‘§S>bJ¡a- H$m`©nmbH$ AÜ`j H§$nZr Ho$ ì`` go AÜ`j Ho$ H$m`m©b` H$s XoI-aoI hoVw ~Zm`m Om gH$Vm h¡ Am¡a

{ZXoeH$ ‘§S>b H$m AÜ`j, H$m`©nmbH$ {ZXoeH$ h¡ {OÝh| ^maV gaH$ma Ûmam {Z`wº$ {H$`m J`m h¡, Bg{bE J¡a-H$m`©nmbH$ AÜ`j Ûmam H$m`m©b` XoI-aoI Ho$ g§~§Y ‘| `h bmJy Zht hmoVm.

2 eoàYmaH$m| Ho$ A{YH$ma{dJV N>- ‘mhm| ‘| K{Q>V ‘hËdnyU© KQ>ZmAm| Ho$ gmW N>‘mhr Ho$ {dÎmr` {ZînmXZ H$mo g^r eoàYmaH$m| H$mo ôOm Om gH$Vm h¡.

go~r Ho$ àmén ‘| {V‘mhr / AY©dm{f©H$ n[aUm‘m| H$mo g‘mMma-nÌ ‘| àH$m{eV {H$`m OmVm h¡ Am¡a ~¢H$ VWm ñQ>m°H$ EŠg|Om| H$s do~gmB©Q> na àX{e©V {H$`m OmVm h¡.

3 boIm narjm Ah©VmH§$nZr Aà{V~§{YV {dÎmr` {ddaU ì`dñWm ‘| ~‹T>o.

df© Ho$ Xm¡amZ g‘rjm Ho$ AYrZ boIm narjm Ah©Vm Zht nmB© JB©. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.

4 AÜ`j Am¡a gr.B©.Amo. Ho$ {^Þ nXm| H$m g¥OZ H§$nZr, AÜ`j Am¡a à~§Y {ZXoeH$ / gr.B©.Amo. Ho$ nXm| na {d{^Þ ì`{º$`m| H$mo {Z`wº$ H$ao.

~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ H$s {Z`w{º$ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam H$s OmVr h¡. Bg{bE, `h bmJy Zht hmoVm.

5 Am§V[aH$ boIm narjH$ H$s [anmo{Qª>JAm§V[aH$ boIm narjH$ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$a|.

~¢H$ H$m Am§V[aH$ boIm narjm {d^mJ grYo boIm narjm g{‘{V H$mo [anmoQ>© H$aVm h¡. Bg{bE, ~¢H$ Zo Bg Anojm H$m AZwnmbZ {H$`m h¡.

9. {dÎmr` n[aUm‘ Ed§ g§àofU Ho$ gmYZ

~¢H$ AnZo gXñ`m| Am¡a OmopI‘ YmaH$m| H$mo CZHo$ {hVm| go g§~§{YV KQ>ZmAm| go CÝh| AdJV aIZo H$s Amdí`H$Vm H$mo ‘hËd XoVm h¡.

~¢H$ Ho$ {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ {ZYm©[aV g‘` gr‘m ‘| CZ ñQ>m°H$ EŠgM|Om| ‘| àñVwV {H$E OmVo h¢ Ohm± ~¢H$ Ho$ eoà gyMr~Õ h¢. BgHo$ gmW hr {V‘mhr / AÕ©dm{f©H$ / dm{f©H$ n[aUm‘ gm§{d{YH$ AnojmAm| Ho$ AZwê$n A§J«oOr, {hÝXr Am¡a ‘amR>r (joÌr` ^mfm) ‘| àH$m{eV {H$E JE Wo. ~¢H$ AnZo dm{f©H$ n[aUm‘m| H$s H$mJOr à{V eoàYmaH$m| H$mo ^r CnbãY H$amVm h¡.n[aUm‘ Ho$ gmW-gmW eoà Ym[aVm H$m ñdén Am¡a eoà ‘yë` ~¢H$ H$s do~gmB©Q> AWm©V www.denabank.com na ^r àX{e©V {H$E Jò h¢. `h ~¢H$ Ho$ ~mao ‘| H$m`m©b`rZ àog {dk{á Ed§ AÝ` ‘hËdnyU© {ddaU ^r àX{e©V H$aVm h¡.



10. eoàYmaH$ Ho$ {bE gyMZmE± ~¢H$ EH$ AZwgy{MV dm{UpÁ`H$ ~¢H$ h¡, {OgH$m àYmZ H$m`m©b` ‘w§~B© ‘| h¡. ~¢H$ H$s CnpñW{V BgH$s 1872 emImAm| Ho$ ZoQ>dH©$ Ho$ gmW ^maV Ho$ g‘ñV {hñgm| ‘| h¡. ~¢H$ Ho$ B©{¹$Q>r eoà, ~r.Eg.B©. ~mOma {b{‘Q>oS> (~r.Eg.B©.) VWm ^maVr` amï´>r` eoà ~mOma {b{‘Q>oS> (EZEgB©), ‘| gyMr~Õ h¢. ñQ>m°H$ {H«$n H$moS> {ZåZmZwgma h¢ :-

ñQ>m°H$ EŠgM|O H$moS>

Aja g§»`m

~rEgB© XoZm ~¢H$ 532121

EZEgB© XoZm ~¢H$ --

AJbo df© 2018-19 Ho$ {bE XmoZm| ñQ>m°H$ EŠg|Om| H$mo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$a {X`m J`m h¡

11. df© 2017-18 Ho$ Xm¡amZ ny§Or ‘| d¥{Õ

11.1 ^maV gaH$ma (156209320 B{¹${Q> eoàm|) ^maVr` OrdZ ~r‘m {ZJ‘ (44865702 B{¹${Q> eoàm|) ^maVr` gmYmaU ~r‘m {ZJ‘ (5206977 B{¹$Qr> eoàm|) H$mo A{Y‘mZr AmYma na é 38.41/- à{V eoà Ho$ ‘yë` na ({OZ‘| é 28.41/- eoà àr{‘`‘ Ho$ gmW) 206281999 B{¹${Q> eoàm| H$mo Omar Am¡a Amd§Q>Z Ûmam é 792.33 H$amo‹S> H$s aH$‘ VH$ B{¹$Q>r> eoà ny§Or OwQ>mZo Ho$ {bE {XZm§H$ 27 ‘mM©, 2017 H$mo Am`mo{OV AgmYmaU gm‘mÝ` g^m ‘| ~¢H$ Zo eoàYmaH$m| H$m AZw‘moXZ àmá {H$`m. ^maV gaH$ma Ho$ nÌ g§. 7/38/2014-~r.Amo.E. {XZm§H$ 4 AJñV 2017 Ho$ AZw‘moXZ Ho$ AZwgaU ‘| eoàm| H$m Am~§Q>Z {XZm§H$ 4 AJñV 2017 H$mo {H$`m J`m.

~¢H$ Zo AŠVy~a 2017 ‘| Ah©VmàmßV g§ñWmZ à{VñWmnZ (Š`yAmB©nr) Ho$ A§VJ©V Ah©VmàmßV g§ñWmJV H«o$VmAm| (Š`yAmB©~r) H$mo ê$ 29.20 à{V eoà H$s Xa go 13,74,18,819 nyU©V`m àXËV B{¹$Q>r eoà Ho$ {ZJ©‘ Am¡a Amd§Q>Z Ûmam ê$. 401.26 H$amo‹S> OyQ>mE§ h¢.

~¢qH$J H§$nZr (CnH«$‘ Ed§ A{YJ«hU Am¡a A§VaU) A{Y{Z`‘, 1970 H$s Ymam 3(2~r)(gr) Ho$ A§VJ©V ^maVr` [aOd© ~¢H$ Am¡a ^maV gaH$ma go AZw‘moXZ Ho$ AZwgaU ‘|; ~¢H$ Zo 27 ‘mM©, 2018 H$mo A{Y‘mZr AmYma na ^maV Ho$ amï´>n{V (^maV gaH$ma) H$mo ê$. 26.99 à{V eoà (à{V eoà 16.99 énò Ho$ àr{‘`‘ g{hV) na àËòH$ ê$ 10/- énò Ho$ 112,81,95,628 B{¹$Q>r eoàm| Ho$ Amd§Q>Z Ûmam ê$. 3,045 H$amo‹S> énE OyQ>mE§ h¢. OyQ>mE§ JB© ny§Or H$m Cn`moJ ~¢H$ H$s ny§Or n`m©áVm H$mo gwÑT> H$aZo Am¡a ~¢H$ H$s gm‘mÝ` H$mamo~ma Amdí`H$VmAm| H$mo {Z{Y àXmZ H$aZo Ho$ {bE {H$`m OmEJm.

11.2 ~¢H$ Zo g‘`-g‘` na dMZ nÌ / F$UnÌ (Q>rà I Ed§ Q>rà II ny§Or) Ho$ ê$n ‘| An[adV©Zr` ~mÊS> Omar {H$ò h¢. CZgo g§~§{YV {ddaU {ZåZàH$ma h¡…

{ZJ©‘ H$m {ddaU ‘mÌm (énò H$amoS> ‘|)

Am~§Q>Z H$s {V{W n[an¹$Vm H$s {V{W AmB©EgAmB©EZ g§»`m

Ý`mgr Ho$ {ddaU

9.25% {ZåZ Q>rà-II ~m§S> (l§¥Ibm IX) 106 25.03.2008 24.05.2018 INE077A09062 AmB©.S>r.~r.AmB©. Q´ñQ>r{en g{d©goO {b., E{e`Z {~pëS§>J, ^y‘r Vb, 17, Ama. H$‘mZr ‘mJ©, ~bmS©> BñQ>oQ>,‘w§~B© - 400 001.Q>o{b’$moZ : 022- 4080 7009B©-‘ob… [email protected]

11.20% {ZåZ Q>rà-II ~m§S> (l§¥Ibm X) 300 30.09.2008 30.04.2019 INE077A09070

9.50% {ZåZ Q>rà-II ~m§S> (l¥§Ibm XI) 200 29.01.2009 29.01.2019 INE077A09088

9.00% ~o‘r`mXr ~m§S> (l¥§Ibm II) 125 28.05.2009 ~o‘r¶mXr INE077A09096

9.23% {ZåZ Q>rà II ~m§S> (l§¥Ibm XII) 850 25.06.2012 25.06.2027 INE077A09104 g|Q>~¢H$ ’$mBZ|{e`b g{d©goO {b{‘Q>oS>g|Q´b ~¢H$ Am°’$ B§{S>`m-E‘E‘Amo ^dZ, 3 Vb (nyd© qdJ), 55 E‘Or amoS>, ’$moQ>©, ‘w§~B© 400001

9.86% ~ogb III Ho$ AZwê$n {ZåZ Q>rà II ~m§S> (l¥§Ibm XIII)

780 26.02.2014 26.02.2024 INE077A08064

8.76 % ~ogb III Ho$ AZwê$n {ZåZ {Q>à II ~m§S> (l¥§Ibm XIV)

400 20.09.2016 20.09.2026 INE077A08098

{dÎmr` df© Ho$ Xm¡amZ ~m§S> H$m ‘moMZ:{XZm§H$ 31.12.2017 H$mo H«$` {dH$ën H$m Cn`moJ H$aHo$ 10.05% ~o‘r`mXr ~m°ÝS> (l¥§Ibm I) H$m nwZ‘m}MZ {H$`m J`m Wm. {XZm§H$ 31.03.2018 H$mo 10.20% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm III) Am¡a 10.95% ~ogb III AZwnmbZ EQ>r 1 ~o‘r¶mXr ~m°ÝS> (l¥§Ibm IV) H$mo {d{Z`m‘H$ ‘m‘bm| Ho$ A§VJ©V H«$` {dH$ën H$m à`moJ H$aHo$ nwZ‘m}MZ {H$`m J`m Wm.ò g^r ~m°ÝS> ^maVr` amîQ´r` eoà~mOma {b{‘Q>oS> ‘| gyMr~Õ h¢ Am¡a ~¢H$ eoà~mOma H$mo AJbo {dÎmr` df© 2018-19 Ho$ {bE BgH$s Xo` {V{W go nhbo dm{f©H$ gyMr~ÕVm ewëH$ H$m ^wJVmZ H$aoJm.

11.3 h‘mao ~¢H$ Ho$ ~m§S>m| H$s gmI aoqQ>J H$s pñW{V:

~m§S> Ho$ àH$ma EO|gr aoqQ>J (‘mM© 2018)Q>rà - II ~m§S> (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E E - / pñWa

Ho$à aoqQ>J Ho$à E + / pñWaB§{S>`m aoqQ>J B§{S>`m E E - / pñWa

~o‘r`mXr / AmB©.nr.S>r.AmB©. (~ogb II Ho$ AZwgma) {H«${gb aoqQ>J {H«${gb E +/ pñWaHo$à aoqQ>J Ho$à E / pñWaB§{S>`m aoqQ>J B§{S>`m E - / pñWa

Q>rà II ~m§S> (~ogb III Ho$ AZwgma) Ho$à aoqQ>J Ho$à E + / pñWa



12.1 eoàm| Am¡a Mb{Z{Y H$m ~oH$mJOrH$aU

~¢H$ Ho$ eoàm| H$m ì`mnma Amdí`H$ ê$n go ~oH$mJOrH¥$V ñdê$n ‘| {H$`m OmVm h¡.OmarH$Vm© ~¢H$ Ho$ ê$n ‘|, ~¢H$ Zo eoàm| Ho$ ~oH$mJOrH$aU Ho$ {bE EZ.Eg.S>r.Eb. Am¡a gr.S>r.Eg.Eb. Ho$ gmW EH$ H$ama {H$`m h¡. go~r {Xem{ZX}em| H$s eVm] Ho$ AZwgma, ~¢H$ Ho$ a{OñQ´ma Am¡a eoà A§VaU A{^H$Vm© ^r ~¢H$ Ho$ eoàYmaH$m| H$mo A§VaU / ~oH$mJOrH$aU / nwZH$m©JOrH$aU H$s gw{dYm Xo aho h¢.

31-03-2018 H$mo

S>r‘oQ> H$mJOr ê$n ‘| Hw$b

eoàYmaH$m| H$s g§»`m

2,16,856(87.48%)

31,027(12.52%)

2,47,883(100%)

eoàm| H$s g§»`m 225,06,15,237(99.63%)

84,31,093(0.37%)

225,90,46,330(100%)

12.2 eoà A§VaU nÕ{V Am¡a {ZdoeH$m| H$s {eH$m`Vm| H$m {ZdmaU

~¢H$ Zo ‘ogg© qbH$ BZQ>mB©‘ B§{S>`m àmBdoQ> {b{‘Q>oS> H$mo ~¢H$ Ho$ a{OñQ´>ma >Am¡a eoà A§VaU EO|Q> (Ama.EÊS>.Q>r) Ho$ ê$n ‘| H$m`© gm¢nm h¡ Am¡a eoà / ~m°ÊS> A§VaU / àofU, bm^m§e/ã`mO ^wJVmZ Am¡a {ZdoeH$ g§~§Yr AÝ` g^r ‘m‘bm| na H$ma©dmB© h‘mao a{OñQ´ma Ed§ eoà A§VaU EO|Q> Ûmam CZHo$ H$m`m©b` ‘| H$s OmVr h¡. a{OñQ´ma Ed§ eoà A§VaU EO|Q> {ZdoeH$m| Ho$ AZwamoYm| na H$ma©dmB© H$aZo Ho$ ~mX, CÝh| ~¢H$ Ho$ H$m`©nmbH$m| H$s Am§V[aH$ eoà A§VaU g§drjm g{‘{V Ho$ g‘j aIVm h¡ Am¡a dh g{‘{V ~¢H$ Ho$ eoàm| Ho$ A§VaU / àofU Am{X H$m AZw‘moXZ H$aHo$ CgH$s nw{ï> Ho$ {bE eoà A§VaU g{‘{V H$mo AnZr g§ñVw{V ôOVr h¡.

eoàYmaH$ AnZo A§VaU {dboI (Ho$db H$mJOr én ‘| Ym[aV hmoZo Ho$ ‘m‘bo ‘|) Am¡a {eH$m`V g{hV AÝ` H$moB© àboI ~¢H$ Ho$ a{OñQ´ma Ed§ eoà A§VaU EO|Q> Ho$ {ZåZ{bpIV nVo na ôO gH$Vo h¢ Am¡a Bggo g§~§{YV nÌmMma ^r, `{X H$moB© hmo, Cgo ~¢H$ Ho$ {ZdoeH$ g§nH©$ Ho$Ð H$mo ZrMo {XE JE nVo na ôO gH$Vo h¢.

‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>BH$mB©: XoZm ~¢H$, gr 101, 247 nmH©$, Eb. ~r. Eg ‘mJ©, {dH«$mobr (n{ü‘), ‘w§~B©,‘hmamï´> - 400083Q>obr’$moZ… 022 - 49186270Q>obr ’¡$Šg… 022 - 49186060B©-‘ob… [email protected], [email protected]

XoZm ~¢H$, àYmZ H$m`m©b`,{ZdoeH$ g§nH©$ H|$Ð, 3am Vb,XoZm H$mnm}aoQ> g|Q>a,gr-10, Or ãbm°H$, ~m§Ðm-Hw$bm© H$m°åßboŠg,~m§Ðm (nyd©), ‘w§~B© 400051Q>o{b’$moZ… 26545318/19/20Q>o{b’o$Šg… 26545317B© ‘ob… [email protected]

go~r Ho$ {Xem{ZXo©em| Ho$ AZwgma, ~¢H$ Zo {eH$m`Vm| Ho$ {ZdmaU hoVw EH$ {d{eï> B©-‘ob AmB©.S>r. [email protected] àXmZ H$s h¡. eoàYmaH$m| go AZwamoY h¡ {H$ do {H$gr ^r Vah H$s {eH$m`Vm| Ho$ ‘m‘bo ‘| Bg gw{dYm H$m Cn`moJ H$a|.

12.3 H$mnm}aoQ> A{êmgZ ‘| A{^Zd nhb

H$mnm}aoQ> A{êmgZ ‘| A{^Zd nhb Ho$ én ‘|, g^r nÌm{X Am¡a XñVmdoO O¡go {H$ E.Or.E‘. H$s `m AÝ` gm‘mÝ` ~¡R>H$m| H$s gyMZm, ì`m»`mË‘H$ {ddaU, dm{f©H$ [anmoQ>©, VwbZ nÌ, {ZXoeH$m| H$s [anmoQ>©, boIm narjH$m| H$s [anmoQ>© Am¡a eoàYmaH$m| Ho$ {bE AÝ` g§Xoe BboŠQ´m{ZH$ àmén ‘| eoàYmaH$ Ûmam ~¢H$ ‘| `m {ZjonmJma Ho$ nmg, Omo ^r ‘m‘bm hmo, ~¢H$ n§OrH¥$V B©-‘ob ESóg na ôOVm h¡.

g^r eoàYmaH$m| go AZwamoY h¡ {H$ {ZjonmJma gh^mJr (S>r.nr.) `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> Ho$ nmg OëX go OëX AnZo B©-‘ob AmB©.S>r. n§OrH¥$V / AÚVZ H$a bo, Vm{H$ ~¢H$ Bg A{^Zd nhb H$mo A{YH$ gj‘ H$a gH|$.

12.4 {dÎmr` H¡$b|S>a: (AñWm`r)

{dÎmr` df© 1 Aà¡b 2018 go 31 ‘mM©, 2019

boIm| na {dMma H$aZo Ed§ bm^m§e, `{X H$moB© hmo, H$s g§ñVw{V H$aZo Ho$ {bE ‘§S>b H$s ~¡R>H$

11 ‘B© 2018 (ewH«$dma)

~hr ~§X hmoZo H$s VmarI| 21 OyZ 2018 go 27 OyZ 2018

‘w»Vmar ’$m‘© àmá H$aZo H$s A§{V‘ {V{W 22 OyZ 2018

22dt dm{f©H$ gm‘mÝ` g^m H$s VmarI 27 OyZ 2018 àmV … 11…00 ~Oo

àW‘ VrZ {V‘m{h`m| Ho$ {bE J¡a boImnar{jV n[aUm‘m| H$mo A{^boI ‘| boZo hoVw {ZXoeH$ ‘§S>b H$s ~¡R>H$

g§~§{YV {V‘mhr Ho$ ~mX Ho$ 45 {XZm| Ho$ A§Xa

22dt dm{f©H$ gm‘mÝ` g^m H$m ñWb g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na AñnVmb Ho$ nmg, Oo.dr.nr.S>r. ñH$s‘, {dbonmb} (n{ü‘), ‘w§~B© 400056

12.5 df© 2017-18 Ho$ Xm¡amZ EZ.Eg.B© Ed§ ~r.Eg.B©. Ho$ ‘mÜ`‘ go IarXo /~oMo JE eoàm| H$s H$s‘V Am¡a ‘mÌm…

amï´>r` ñQ>m°H$ EŠgM|O (EZ.Eg.B©.) ~m§~o ñQ>m°H$ EŠgM|O (~r.Eg.B©.)

Ad{Y Cƒ {ZåZ IarXo / ~oMo JE eoàm| H$s Hw$b ‘mÌm

Cƒ {ZåZ IarXo / ~oMo JE eoàm| H$s Hw$b ‘mÌm

Aà¡b -17 44.90 38.10 2,75,48,301 44.70 38.00 57,91,852

‘B© -17 50.10 33.75 7,01,42,856 50.00 33.70 1,66,34,343

OyZ -17 38.40 33.10 3,03,33,562 38.40 33.00 73,67,699

OwbmB© -17 36.10 32.10 1,87,63,644 36.10 32.25 41,77,220

AJñV -17 35.25 30.30 1,38,07,692 35.30 30.30 33,60,393

{gV§~a -17 33.60 30.00 1,69,20,104 33.45 30.45 27,48,452

Aºy$~a -17 32.00 27.10 10,15,94,414 32.00 27.10 1,41,13,357

Z~§da -17 28.70 24.30 7,09,26,971 28.80 24.30 1,15,14,144

{Xg§~a -17 26.40 23.55 3,40,37,649 26.40 23.70 66,11,760

OZdar -18 27.85 24.85 7,30,77,475 27.85 24.65 1,30,02,922

’$adar -18 25.50 19.85 3,79,73,140 25.55 19.85 77,71,152

‘mM© -18 21.60 18.05 3,15,33,392 21.70 18.00 65,03,534df© Ho$ Xm¡amZ gdm}ƒ 50.10 df© Ho$ Xm¡amZ gdm}ƒ 50.00

df© Ho$ Xm¡amZ Ý`yZV‘ 18.05 df© Ho$ Xm¡amZ Ý`yZV‘ 18.00

12.6 {XZm§H$ 31 ‘mM©, 2018 H$mo eoàYm[aVm H$m ñdê$n:

31 ‘mM©, 2018 H$mo g‘má df© hoVw ~¢H$ H$s eoàYm[aVm H$m ñdê$n {ZåZ àH$ma h¡…

H«$. g§.

loUr Ym[aV eoàm| H$s g§»`m

eoàYm[aVm H$m %

1 ^maV gaH$ma 182,40,31,844 80.74

2 ~r‘m H§$n{Z`m§ 19,05,01,676 8.43

3 {dXoer g§ñWmJV {Zdoe 2,79,37,286 1.24



4 H$mnm}aoQ> {ZH$m` 2,52,95,657 1.12

5 EZ.Ama.AmB© / Amogr~r 56,06,737 0.25

6 ~¢H$ d {dÎmr` g§ñWmZ 3,84,19,247 1.70

7 å`wMwAb ’§$S> / `yQ>rAmB© 400 0.00

8 Ama.~r.AmB©., Ý`mgr Ho$ gmW n§OrH¥$V {Zdmgr d¡¶{º$H$ / EZ.~r.E’$.gr,

14,72,53,483 6.52

Hw$b 225,90,46,330 100.00

12.7 (H$) {XZm§H$ 31-03-2018 H$mo “àdV©H$ Am¡a àdV©H$ g‘yh” H$s loUr go g§~§{YV ì`{º$`m| H$s eoàYm[aVm àX{e©V H$aZo dmbm {ddaU

H«$.g§.

eoàYmaH$ H$m Zm‘ Ym[aV eoà H$s g§»`m Hw$bYm[aVm H$m %

1. ^maV Ho$ amï´>n{V (^maV gaH$ma)

182,40,31,844 80.74

Hw$b 182,40,31,844 80.74

(I) {XZm§H$ 31.03.2018 H$mo OZVm H$s loUr go g§~§{YV ì`{º$`m| H$s eoàYm[aVm Am¡a eoàm| H$s Hw$b g§»`m Ho$ 1 à{VeV go A{YH$ eoàYm[aVm àX{e©V H$aZo dmbm {ddaU…

H«$.g§.

eoà YmaH$m| H$s loUr Ym[aV eoàm| H$s g§»`m

eoàm| H$s Hw$b g§»`m Ho$ à{VeV Ho$ ê$n ‘| eoà

1 ^maVr` OrdZ ~r‘m {ZJ‘ 15,52,69,698 6.87

2 ^maVr` gmYmaU ~r‘m {ZJ‘ 2,85,32,665 1.26

Hw$b 18,38,02,363 8.13

12.8 {XZm§H$ 31 ‘mM©, 2018 H$mo eoàYm[aVm H$m {dVaU :

{ddaU eoàYmaH$ eoàYm[aVm

(eoàm| H$s g§»`m) g§»`m Hw$b H$m % g§»`m Hw$b H$m % 500 VH$ 206069 83.13 34625936 1.53

501-1000 20687 8.34 17325868 0.77

1001-2000 10490 4.23 16364235 0.72

2001-3000 3610 1.46 9361867 0.41

3001-4000 1725 0.70 6251979 0.28

4001-5000 1434 0.58 6825226 0.30

5001-10000 2144 0.86 16156277 0.72

10000 go A{YH$ 1724 0.70 2152134942 95.27

Hw$b 247883 100.00 2259046330 100.00

12.9 Eg EÊS> nr grEZEŠg {ZâQ>r Ho$ CVma-M‹T>md H$s VwbZm ‘| XoZm ~¢H$ Ho$ eoà H$m {ZînmXZ {ZåZmZwgma àX{e©V h¡.

12.10. eoà YmaH$m| Ho$ {bE gyMZm:

~¢H$ Zo {ZåZ{bpIV dfm] Ho$ {bE bm^m§e Kmo{fV {H$`m:

H«$‘ g§.

df© bm^m§e (%)

H«$‘ g§.

df© bm^m§e (%)

1 1996-1997 12% 13 2008-2009 12%

2 1997-1998 15% 14 2009-2010 20%

3 1998-1999 16% 15 2010-2011 22%

4 1999-2000 6% 16 2011-2012 30%

5 2000-2001 eyÝ` 17 2012-2013 47%

6 2001-2002 eyÝ` 18 2013-2014 (A§V[a‘)

11%

7 2002-2003 eyÝ` 19 2013-2014 (A§{V‘)

11%

8 2003-2004 eyÝ` 20 2014-2015 (A§{V‘)

9%

9 2004-2005 eyÝ` 21 2015-16 eyÝ`

10 2005-2006 eyÝ` 22 2016-17 eyÝ`

11 2006-2007 8% 23 2017-18 eyÝ`

12 2007-2008 10%

{XZm§H$ 16 Aºy$~a, 2006 H$s A{YgyMZm Ûmam ^maV gaH$ma Zo `h gy{MV {H$`m h¡ {H$ AmJo ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) A{Y{Z`‘, 1970/1980 ‘| g§emoYZ {H$`m J`m h¡ Am¡a ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 Zm‘H$ Z`m {Z`‘ ~Zm`m h¡ Omo A{YgyMZm H$s VmarI go à^mdr h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (2) Ho$ AZwgma ~¢H$ H$mo Omar bm^m§e Cnamoº$ A{Y{Z`‘ H$s ewéAmV Ho$ nhbo, AXÎm bm^m§e go {deof ImVm ‘o§ XoZm ~¢H$ (df©) Ho$ AXÎm bm^m§e ImVm ‘| A{Y{Z`‘ H$s ewê$AmV Ho$ ~mX N>… ‘mhm| ‘|, AWm©V {XZm§H$ 16 Aºy$~a, 2006 H$mo nyU© én go `m CgH$m {hñgm A§V[aV H$aoJm. ~¢H$ Zo Cnamoº$ Amdí`H$VmAm| H$m AZwnmbZ {H$`m h¡ Am¡a AXÎm bm^m§e ImVm ‘| Cgo A§V[aV ^r {H$`m h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (1) Ho$ AZwgma, ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Am¡a A§VaU) Am¡a {dÎmr` g§ñWm {Z`‘ (g§emoYZ) A{Y{Z`‘, 2006 H$s ewê$AmV Ho$ nhbo, bm^m§e Omo {H$ VXZwénr ZE ~¢H$ Ûmam Kmo{fV {H$`m J`m hmo Am¡a dh ^wJVmZ Zm {H$`m hmo `m Kmo{fV {H$ò OmZo H$s {V{W go Vrg {XZm| VH$ AXmdmH¥$V ahm hmo, `m {H$gr eoàYmaH$ H$mo `m Ûmam bm^m§e Ho$ ^wJVmZ àmá H$aZo Ho$ {bE hH$Xma h¡, Vmo VXZwê$nr ~¢H$ Vrg {XZm| H$s Eogr Ad{Y H$s g‘má hmoZo H$s {V{W go 7 {XZ Ho$ A§Xa bm^m§e H$s Hw$b aH$‘ Omo AXÎm h¡ `m AXmdmH¥$V h¡ “AXÎm bm^m§e ImVm” Zm‘H$ {deof ImVo ‘| A§V[aV H$aoJm. ~¢H$ Zo df© 2014-15 Ho$ bm^m§e Ho$ {bE BZ {Xem{ZXoem| H$m AZwnmbZ {H$`m h¡.

Cnamoº$ A{Y{Z`‘ H$s Ymam 10 (~r) (3) Ho$ AZwgma, Bg Ymam Ho$ AZwgaU ‘| VXZwénr ZE ~¢H$ Ûmam AXÎm bm^m§e ImVo H$mo A§V[aV H$moB© ^r YZ Omo Eogo A§VaU H$s VmarI go gmV df© H$s Ad{Y VH$ AXÎm `m AXmdmH¥$V aho Vmo Cgo Ho$Ð gaH$ma Ûmam ñWm{nV {ZdoeH$ {ejm VWm g§ajU {Z{Y H$mo VXZwê$nr ZE ~¢H$ Ûmam A§V[aV {H$`m OmEJm. VXZwgma, ~¢H$ Ûmam 2009-10 VH$ AXÎm bm^m§f ImVo ‘| nSo> hþE AXÎm / AXmdmH¥$V bm^m§e am{e H$mo ~¢H$ Ûmam A§V[aV {H$`m J`m.



VXZwgma, {OZ eoàYmaH$m| H$mo df© 2010-2011 go 2014-2015 VH$ bm^m§e àmá Zht hþAm h¡ do H¥$n`m ghm`Vm Ho$ {bE ~¢H$ Ho$ {ZdoeH$ gånH©$ H|$Ð `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> go gånH©$ H$a gH$Vo h¢. ~¢H$ Zo df© 2000-2001 go 2005-2006 Ho$ Xm¡amZ Am¡a 2015-16 go 2017-18 ‘| H$moB© ^r bm^m§e Kmo{fV Zht {H$`m h¡.

12.11 Ohm§ na B©.gr.Eg. gw{dYmE§ CnbãY h¢ dhm± {ZdoeH$m| H$mo BboŠQ´m{ZH$ g‘memoYZ godm Ho$ ‘mÜ`‘ go bm^m§e {dV[aV H$aZo Ho$ {bE O‘mH$Vm©Am| Ûmam àñVwV ~¢H$ ImVm| Ho$ {ddaUm| H$m Cn`moJ H$aZo hoVw go~r Zo Bgo g^r gyMr~Õ H$ån{Z`m| Ho$ {bE A{Zdm`© ~Zm {X`m h¡. EZ.B©.gr.Eg. gw{dYm CnbãY Z hmoZo H$s pñW{V ‘| {ZdoeH$m| H$mo bm^m§e {dVaU Ho$ {bE ~¢H$ ^wJVmZ {bIV na ~¢H$ ImVo H$m {ddaU, `{X CnbãY hmo, ‘w{ÐV H$aoJm.

12.12 Eogo eoàYmaH$ {OZHo$ eoà H$mJOr én ‘| h¢ Am¡a {OÝhm|Zo ~¢H$ H$mo A{YXoe {ddaU / A{YXoe {ddaU ‘| hþE n[adV©Z ~¢H$ H$mo gy{MV Zht {H$E h¢, do Cº$ {ddaU ~¢H$ H$mo àñVwV H$a| Vm{H$ bm^m§e dma§Q> Ho$ YmoImYS>r nyd©H$ ZH$XrH$aU go ~Mm gHo$. ~¢H$ A{YXoe àñVwV H$aZo H$m àmo’$m‘m© dm{f©H$ [anmoQ>© ‘| AbJ go CnbãY H$am`m J`m h¡.

12.13 H¥$n`m `h Ü`mZ X| {H$ {OZ eoà YmaH$m| Ho$ eoà H$mJOr ê$n ‘| h¢ do AnZo ~¢H$ A{YXoe {ddaU Am¡a nVo ‘| hþE n[adV©Z, `{X H$moB© hmo Vmo, eoàYmaH$m| Ho$ A{^boI H$mo AÚVZ H$aZo Ho$ {bE ~¢H$ Ho$ {ZdoeH$ gånH©$ Ho$Ð `m ‘ogg© qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>, ‘w§~B© H$mo ôO gH$Vo h¢. Eogo eoàYmaH$ {OZH$s eoà Ym[aVm S>r‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¡ do ~¢H$ ImVm| Ho$ {ddaU, eoàYmaH$ Am{X Ho$ nVo H$mo A{Zdm`© ê$n go AÚVZ ~ZmZo Ho$ {bE AnZo {ZjonmJma gh^mJr go gånH©$ H$a|.



gr.B©.Amo. Ed§ gr.E’$.Amo. à‘mUnÌ

go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 17(8) Ho$ A§VJ©V

{ZXoeH$ ‘§S>b

XoZm ~¢H$,

‘w§~B©

h‘ EVX²Ûmam 31 ‘mM©, 2018 H$mo g‘má {dÎmr` df© Ho$ {bE {dÎmr` {ddaUr VWm ZH$Xr àdmh {ddaUm| H$s g‘rjm Ed§ AnZr gdm}Îm‘ OmZH$mar Ed§ {dœmg Ho$ AmYma na à‘m{UV H$aVo h¡ {H$ -

i. BZ {ddaUm| ‘| ^m¡{VH$ ê$n go H$moB© JbV {ddaU Zht h¡ AWdm BZ‘| go H$moB© ^m¡{VH$ VÏ` hQ>mE Zht JE h¢ AWdm BZ‘| Eogm H$moB© {ddaU Zht h¡ Omo Jw‘amh H$aVo hm|,

ii. `o {ddaU Ho$ gmW ~¢H$ Ho$ H$m‘H$mO H$s EH$ gƒr Ed§ ñdÀN> N>{d àñVwV H$aVo h¢, gmW hr `o ~¢H$ Ho$ {dÎmr` n[aUm‘m| ‘| àH$Q> {H$E JE àM{bV boIm§H$Z ‘mZH$m|, à`moÁ` {d{Y`m| d {d{Z‘`m| Ho$ AZwnmbZ Ho$ AZwê$n h¡.

iii. h‘mar gdm}Îm‘ OmZH$mar d {dœmg Ho$ AZwgma, df© 2017-2018 Ho$ Xm¡amZ ~¢H$ Ûmam Eogm H$moB© boZ-XoZ Zht {H$`m J`m Omo H$nQ>nyU©, Ad¡Y AWdm ~¢H$ H$s AmMma g§{hVm H$m C„§KZ H$aZodmbm ahm hmo, {gdm` CgHo$ {OgH$s [anmoQ>© {ZXoeH$ ‘§S>b / ^maVr` [aOd© ~¢H$ H$mo H$a Xr JB© h¡.

iv. h‘ Am§V[aH$ {Z`§ÌUm| H$mo ñWm{nV H$aZo Ed§ CZH$mo ~ZmE aIZo H$m Xm{`Ëd ñdrH$ma H$aVo h¢, h‘Zo ~¢H$ H$s Am§V[aH$ {Z`§ÌH$ àUmbr H$s à^mdmË‘H$Vm H$m ‘yë`m§H$Z {H$`m h¡ Ed§ h‘Zo Am§V[aH$ {Z`§ÌU àUmbr Ho$ ñdén Ed§ n[aMmbZ go g§~§{YV CZ H${‘`m| {OZgo h‘ AdJV h¢, Ho$ ~mao ‘| boIm n[ajH$m| d boIm narjm g{‘{V H$mo ~Vm {X`m h¡ VWm h‘Zo BZ H${‘`m| H$mo gwYmaZo Ho$ {bE Ano{jV H$X‘ CR>mE h¢.

v. h‘ nwZ… à‘m{UV H$aVo h¢ {H$ :

1. df© Ho$ Xm¡amZ Am§V[aH$ {Z`§ÌU àUmbr ‘| H$moB© ‘hËdnyU© n[adV©Z Zht hþE h¢,

2. Bg df© Ho$ Xm¡amZ boIm§H$Z Zr{V`m| ‘| H$moB© ‘hËdnyU© n[adV©Z Zht hþE h¢ {gdm` CgHo$ {OÝh| ~¢H$ Ho$ {dÎmr` n[aUm‘m| ‘| àH$Q> H$a {X`m J`m h¡,

3. {ZXoeH$ ‘§S>b / ^maVr` [aOd© ~¢H$ H$mo H$s JB© [anmoQ>© H$mo N>mo‹S>H$a, à~§YZ AWdm {H$gr H$‘©Mmar {OgH$s ‘hËdnyU© ^y{‘H$m ~¢H$ H$s Am§V[aH$ {Z`§ÌU àUmbr ‘| h¡, Ho$ Eogo {H$gr ‘hËdnyU© N>b-H$nQ> Ho$ H$moB© CXmhaU Zht aho h¢ {Oggo Ed§ g§~§{YVm| go h‘ AdJV Zht hmo JE h¢. O~ H$^r H$moB© YmoImY‹S>r COmJa hþB© h¡ Vmo g§~§{YV H$‘©Mmar Ho$ {déÕ Amdí`H$ AZwemg{ZH$ H$ma©dmB© H$s JB© h¡. ^{dî` ‘| BgHo$ {ZdmaU g§~§Yr Amdí`H$ Cnm` ^r {Za§Va én go {H$E Om aho h¢.

(Cfm a{d) (S>m. amOoe Hw$‘ma `Xwd§er) (a‘oe Eg. qgh) ‘hm à~§YH$ H$m`©nmbH$ {ZXoeH$ H$m`©nmbH$ {ZXoeH$ ({dÎmr` à~§YZ) Am¡a gr.E’$.Amo.

{XZm§H$ : 11.05.2018

ñWmZ … ‘w§~B©


KmofUm

go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) Ho$ AZwgma H$m`©nmbH$ {ZXoeH$ H$s KmofUm.`h Kmo{fV {H$`m OmVm h¡ {H$ ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ho$ g^r gXñ`m| Am¡a ‘oao ~¢H$ Ho$ d[að> à~§YZ H${‘©`m| Zo go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) ‘| {d{Z{X©ï> AmMma g§{hVm Ho$ AZwgma 31 ‘mM©, 2018 H$mo g‘má {dÎmr` df© Ho$ {bE VXZwgma AZwnmbZ H$s nw{ï> H$a Xr h¡. Cº$ AmMma g§{hVm H$mo ~¢H$ H$s do~gmB©Q> na ^r àX{e©V {H$`m J`m h¡. H¥$Vo XoZm ~¢H$

a‘oe Eg. qgh$ H$m`©nmbH$ {ZXoeH${XZm§H$ : 11.05.2018ñWmZ… ‘w§~B©


H$mnm}aoQ> A{êmgZ na boIm narjH$m| H$m à‘mU nÌgo~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 34(3) Ho$ A§VJ©V

godm ‘|,{ZXoeH$ ‘§S>bXoZm ~¢H$, àYmZ H$m`m©b`XoZm H$mnm}aoQ> g|Q>a, gr-10, Or ãbm°H$,~m§Ðm-Hw$bm© H$m°ånboŠg, ~m§Ðm (nyd©)‘w§~B© - 400 051.

h‘Zo go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 ‘| `Wm {ZYm©[aV 31 ‘mM©, 2018 H$mo g‘má df© Ho$ {bE XoZm ~¢H$ Ûmam H$mnm}aoQ> A{êmgZ H$s eVm] Ho$ AZwnmbZ H$s Om±M H$s h¡.

H$mnm}aoQ> A{êmgZ H$s eVm] Ho$ AZwnmbZ H$m Xm{`Ëd à~§YZ H$m h¡. h‘mar Om§M Cº$ {d[Z¶‘mo Ho$ eVm] H$m AZwnmbZ gw{Z{üV H$aZo Ho$ {bE ~¢H$ Ûmam AnZm`r JB© H$m`©{d{Y Am¡a H$m`m©Ýd`Z H$aZo VH$ gr{‘V Wr. `h Z Vmo boImnarjm h¡ Am¡a Z hr ~¢H$ Ho$ {dÎmr` {ddaUm| na ‘§Vì` H$s A{^ì`{º$ h¡.

h‘mar am` ‘| Am¡a h‘mar gdm}Îm‘ OmZH$mar Am¡a h‘| {Xò Jò ñnï>rH$aUm| Ho$ AZwgma h‘ à‘m{UV H$aVo h¢ {H$ gm‘mÝ`V`m ~¢H$ Zo Cn`w©º$ gyMr~ÕVm H$ama Ho$ `Wm {ZYm©[aV H$mnm}aoQ> A{êmgZ H$s eVm} H$m AZwnmbZ {H$`m h¡, µO~ VH$ {H$ do ^maV gaH$ma / ^maVr` [aµOd© ~¢H$ Ûmam Omar {Xem{ZX}emo go Ag§JV Zht h¡.

1. 1 {gV§~a 2017 go ~¢H$ ‘| H$moB© ‘{hbm {ZXoeH$ Zht h¡ Š`m|{H$ ^maV gaH$ma Zo {H$gr ^r ‘{hbm {ZXoeH$ H$mo {Z`wº$ Zht {H$`m h¡.

2. My§{H$ 23 ‘mM©, 2018 H$mo Xmo ‘§S>b gXñ` godm{Zd¥Îm hþE, ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma Ý`yZV‘ nm§M gXñ`m| H$s g§»`m g‘j 31 ‘mM©, 2018 VH$ ~¢H$ H$s boIm narjm g{‘{V ‘| Ho$db VrZ gXñ` Wo. 26 Aà¡b, 2018 H$mo Am`mo{OV ‘§S>b H$s ~¡R>H$ Ho$ Vwa§V ~mX ~¢H$ Ûmam CŠV [a{º$`m| H$mo â {X`m J`m Wm.

h‘ `h H$hZm MmhVo h¢ {H$ ~¢H$ Ho$ a{OñQ´ma Ed§ A§VaU A{^H$Vm© Ûmam `Wm à‘m{UV ~¢H$ Ho$ {ZdoeH$ go g§~§{YV H$moB© ^r {eH$m`V EH$ ‘mh go A{YH$ g‘` Ho$ {bE b§{~V Zht h¡.

h‘ `h ^r H$hZm MmhVo h¢ {H$ Eogm AZwnmbZ Z Vmo ~¢H$ H$s ^mdr ì`dhm`©Vm Ho$ ê$n ‘| AmœmgZ h¡ Am¡a Z hr Cg H$m`©j‘Vm Am¡a à^mdmË‘H$Vm H$m, {Ogo à~§YZ dJ© Zo ~¢H$ Ho$ H$m‘H$mO Ho$ {bE V¡`ma {H$`m h¡.


H¥$Vo, a‘oe gr AJ«dmb EÊS> H§$nZr gZXr boImH$ma

H¥$Vo, E.~r.nr. EÊS> Egmo{gEQ> gZXr boImH$ma

H¥$Vo, H¡$bme M§X O¡Z EÊS> H§$. gZXr boImH$ma

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(Ama. gr. AJ«dmb) ^mJrXma E‘. g§ 070229 E’$.Ama.EZ. 001770C

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(g§Xrn Ho$. O¡Z)^mJrXma E‘. g§ 110713E’$.Ama.EZ. 112318W

({Za§OZ Omoer)^mJrXma E‘. g§ 102789E’$.Ama.EZ. 109262W

ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018


{ZXoeH$m| H$s énaoIm

lr a‘oe Eg. qgh, 22 OZdar 2016 go H$m`©nmbH$ {ZXoeH$ Ho$ ê$n ‘| {Z`wº$ {H$E JE. lr qgh H$bm Am¡a {d{Y ñZmVH$ h¢. B§{S>`Z BÝñQ>rQ>µ`yQ> Am°’$ ~¢H$g© Ho$ à‘m{UV Egmo{gEQ> (gr.E.AmB©.AmB©.~r.) h¢. lr qgh Zo AmB©.AmB©.E‘. Ah‘Xm~mX ‘| ZoV¥Ëd {dH$mg Am¡a CÝZV ZoV¥Ëd H$m`©H«$‘m| ‘| mJ {b`m. lr qgh Zo E.Eg.gr.AmB©. h¡Xam~mX ‘| ZoV¥Ëd {dH$mg Am¡a Ho$bm°J ñHy$b Am’$ ‘¡ZoO‘|Q>, {eH$mJmo Ho$ gmW EZ.AmB©.~r.E‘. nwUo Ûmam Am`mo{OV H$mnm}aoQ> EŠgrb|g hoVw ZoV¥Ëd {dH$mg na à{ejU H$m`©H«$‘ ‘| ^r ^mJ {b`m.

~¢H$ ‘| {Z`w{º$ go nyd© lr qgh g|Q´b ~¢H$ Am°’$ B§{S>`m ‘| CgHo$ A§Mb H$m`m©b`, ^monmb ‘| joÌ ‘hm à~§YH$ Wo, Ohm± do ‘Ü` àXoe amÁ` ‘| 468 emImAm|, 6 joÌr` H$m`m©b`m| Am¡a 18 AJ«Ur ~¢H$ {Obm H$m`m©b`m| ‘| n[aMmbZ H$m ZoV¥Ëd H$a aho Wo. lr a‘oe Eg. qgh amÁ` ñVar` ~¢H$g© g{‘{V (Eg.Eb.~r.gr.), ‘Ü` àXoe Ho$ g§`moOH$ ^r Wo. lr qgh Zo H|$Ðr` H$m`m©b`, ‘w§~B© ‘| ‘hm à~§YH$ (IOmZm Am¡a A§Vaamï´>r` à^mJ) Ho$ ê$n ‘| ^r H$m`© {H$`m h¡.

S>m° amOoe Hw$‘ma `Xwd§er h‘mao ~¢H$ ‘| {XZm§H$ 9 AŠQy>~a, 2017 H$mo H$m`©nmbH$ {ZXoeH$ Ho$ én ‘| {Z`wº$ {H$E JE. do {dkmZ ‘| ñZmVH$moÎma h¢ Am¡a ^maVr` H¥${f AZwg§YmZ g§ñWmZ, ZB© {X„r go E§Q>‘m°bOr ‘| nrEMS>r h¢. do ^maVr` ~¢H$a g§ñWmZ H$m à‘m{UV Egmo{gEQ> (gr.E.AmB©.AmB©.~r.) h¢. CÝhm|Zo AmB©.Eg.~r. h¡Xam~mX ‘| JhZ E’$.B©.EŠg. H$m`©H«$‘, A§Vam©îQ´r` ~¢qH$J ‘| CÞV à{ejU (EZ.AmB©.~r.E‘, nwUo) Am¡a erf© à~§YZ Ho$ {bE ZoV¥Ëd H$m¡eb g{hV {d{^Þ à{ejU H$m`©H«$‘m| ‘| ^mJ {b`m h¡.

S>m° amOoe Hw$‘ma `Xwd§er H$mo ~¢qH$J joÌ ‘| 32 go A{YH$ dfm] H$m ì`mnH$ AZw^d h¡. h‘mao ~¢H$ ‘| {Z`wŠV hmoZo go nyd©, do n§Om~ ZoeZb ~¢H$ ‘| ‘hmà~§YH$ Ho$ ê$n ‘| H$m`©aV Wo Am¡a EZgrAma, {X„r ‘| joÌ ‘hmà§~YH$ Ho$ ê$n H$m`©aV Wo {Og‘| Mma ‘§S>b, 368 emImE§ Am¡a Xmo ~‹S>r H$m°nm}aoQ> emImE§ em{‘b Wt. BÝhm|Zo `y.Ho$. ‘| n§Om~ ZoeZb ~¢H$ (B§Q>aZoeZb) {b{‘Q>oS> {bE 3 df© Am¡a Omb§Ya Ho$ gH©$b hoS> Ho$ ê$n ‘| 3 df© H$m‘ {H$`m h¡.

lr AemoH$ Hw$‘ma qgh Zo ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| 15 OZdar 2016 go ^maV gaH$ma H$m à{V{Z{YËd {H$`m. lr E. Ho$. qgh AmB©.AmB©.Q>r. H$mZnwa go ~r.Q>oH$. (‘¡Ho${ZH$b B§Or{Zà) Am¡a ^maVr` àemg{ZH$ godm ‘| Ho$ab H¡$S>a ‘| df© 1999 go H$m`©^ma J«hU {H$`m. lr E. Ho$. qgh Ho$ab Ob àm{YH$aU, Ho$ab Ho$ à~§Y {ZXoeH$ Wo. do nyd© ‘| ñQ>oQ> ~¢H$ Am°’$ ÌmdUH$moa Ho$ {ZXoeH$ ‘§S>b ‘| gaH$ma Zm{‘V {ZXoeH$ Ho$ ê$n ‘| nXñW Wo. dV©‘mZ ‘|, lr AemoH$ Hw$‘ma qgh, {dÎmr` g‘mdoeZ, B©-g‘rjm, ‘r{S>`m Am¡a g§~Õ ‘m‘bm| Ho$ {bE gm‘J«r, gyMZm VH$ZrH$ (AmB©.Q>r.), {dÎmr` godmE§ {d^mJ, {dÎm ‘§Ìmb`, ^maV gaH$ma ‘| {ZXoeH$ h¢.

lr {earf gr. ‘wa‘y ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| 03 ‘B© 2016 go ^maVr` [aOd© ~¢H$ H$m à{V{Z{YËd H$a aho h¢. do Odmha bmb Zohé {dœ{dÚmb`, ZB© {X„r go {dkmZ ‘| ñZmVH$moËVa h¢. do ^maVr` ~¢H$a g§ñWmZ H$m à‘m{UV Egmo{gEQ> (gr.E.AmB©.AmB©.~r.) h¢. dV©‘mZ ‘|, do maVr` [aOd© ~¢H$ Ho$ H$mobH$Vm joÌ Ho$ joÌr` {ZXoeH$ Ho$ nX na h¢. nyd© ‘| ^maVr` [aOd© ~¢H$ ‘| AnZr godmAm| Ho$ Xm¡amZ CÝhm|Zo {d{^Þ {d^mJm| ‘| H$m`© {H$`m O¡go {H$ Bey Ed§ ~¢qH$J {d^mJ, ~¢qH$J gwna{dOZ {d^mJ, ehar ~¢H$ gwna{dOZ {d^mJ, {dÎmr` g‘mdoeZ Ed§ {dH$mg {d^mJ. do gyMZm VH$ZrH$ {d^mJ ‘| ‘w»` ‘hm à~§YH$ Ho$ én ‘| ^r H$m`© H$a MwHo$ h¢.

lr A{‘V MQ>Ou H$s {Z`w{º$ ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| A§eH$m{bH$ J¡a A{YH$mar {ZXoeH$ Ho$ ê$n ‘| {XZm§H$ 28 OZdar 2016 H$mo hþB©. lr A{‘V MQ>Ou g|Q> ñQ>r’$Ýg ‘hm{dÚmb` {Xëbr go ~r.E.(AmZg©) AW©emñÌ {H$`m h¡. CÝhm|Zo {X„r ñHy$b Am°’$ BH$moZm{‘Šg go E‘.E. AW©emñÌ, ’o$H$ëQ>r Am°’$ ‘¡ZoO‘|Q> ñQ>S>rO, {X„r go E‘.~r.E. (’$mB©Z|g) Am¡a B§{S>`Z B§ñQ>rQ>çyQ> Am°’$ npãbH$ ES>{‘{ZñQóeZ, ZB© {X„r go E‘.{’$b (npãbH$ ES>{‘{ZñQóeZ) {H$`m h¡. lr A{‘V MQ>Ou Zo ìhmQ>©Z {~OZog ñHy$b, noZ{gbdo{Z`m {dœ{dÚmb` `y.Eg.E.,OmO© Q>mD$Z {dœ{dÚmb` `y.Eg.E., b§XZ

ñHy$b Am°’$ BH$moZm{‘Šg `y.Ho$., amîQ´r` àemg{ZH$ AH$mX‘r, ‘gyar, amï´>r` àË`j H$a AH$mX‘r, ZmJnwa Am¡a ^maVr` à~§YZ g§ñWmZ, ~|Jbya g{hV à{Vð>V g§ñWmAm| ‘| {d{^Þ ì`mdgm{`H$ à{ejU H$m`©H«$‘m| ‘| gh^m{JVm H$s h¡.

lr A{‘V MQ>Ou ^maVr` amOñd godm Ho$ godm‘wº$ A{YH$mar h¢. CÝhm|Zo ^maV gaH$ma H$s godmAm| ‘| 36 dfm] Ho$ ì`mnH$ AZw^d (g§`wº$ g{Md ñVa Am¡a Cggo Cna ‘| 14 df© g{hV) go {deof H$m¡eb àmßV H$a {b`m h¡. Zr{VJV ‘m‘bm| H$m {ZX}eZ H$aZo ‘| CZH$s ì`mnH$ n¥ð>^y{‘ h¡ Am¡a {dÎm ‘§Ìmb`, H$m°nm}aoQ> ‘m‘bm|, {~Obr, dm{UÁ` Am¡a CÚmoJ ‘§Ìmb`m| ‘| d[að> nXm| na H$m`©aV h¢. AnZr godm Ad{Y Ho$ Xm¡amZ, CÝhm|Zo {d{^Þ j‘VmAm| ‘| ^maV gaH$ma Ûmam J{R>V {d{^Þ g{‘{V`m| na H$m`© {H$`m h¡. dh ‘w§~B© Am¡a {X„r Ho$ nyd© ‘w»` Am`wº$, Am`H$a h¢. lr A{‘V MQ>Ou Zo {~hma, CÎma àXoe Am¡a ‘Ü` àXoe g{hV {d{^Þ amÁ`m| ‘| MwZmd n`©dojH$ Ho$ ê$n ‘| ^maV Ho$ {Zdm©MZ Am`moJ ‘| ^r H$m`© {H$`m h¡.

lr Or. JmonmbH¥$îU ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| {XZm§H$ 28 OZdar 2016 go A§eH$m{bH$ J¡a- gaH$mar {ZXoeH$ Ho$ én ‘| {Z`wº$ {H$E JE h¢. do H$bm Am¡a {d{Y ñZmVH$ h¢. ^maVr` ~¢H$a g§ñWmZ H$m à‘m{UV Egmo{gEQ> (gr.E.AmB©.AmB©.~r.) h¢.

lr JmonmbH¥$îUm AŠQy>~a 2007 go Aà¡b 2014 VH$ m.[a.~¢. ‘| H$m`©nmbH$ {ZXoeH$ Wo. do CƒñVar` {dÎmr` AZwg§YmZ VWm AÜ``Z H|$Ð (H¡$’$ab) Ho$ {ZXoeH$ Wo Omo ~¢qH$J Am¡a {dÎmr`Z ‘| AZwg§YmZ Am¡a AÜ``Z hoVw {dœ ñVar` d¡{œH$ g§ñWm H$m {dH$mg H$aZo Ho$ {bE ^maVr` [aOd© ~¢H$ (^m.[a.~¢.) Ûmam H¡$’$ab ñWm{nV {H$`m J`m h¡.

2011 Ho$ Xm¡amZ, CÝhm|Zo gyMZm gwajm, BboŠQ´m{ZH$ ~¢qH$J VH$ZrH$, OmopI‘ à~§YZ Am¡a gmB©~a YmoImY‹S>r na H$m`© g‘yh H$s AÜ`jVm H$s. lr JmonmbH¥$îUm, ^maV ‘| n`©dojU à{H«$`m H$s g‘rjm hoVw 2012 ‘| ^m.[a.~¢. Ûmam {Z`wº$ Cƒ ñVar` g§MmbZ g{‘{V Ho$ ^mJ Ho$ ê$n ‘| n`©dojU aoqQ>J énaoIm H$s g‘rjm hoVw J{R>V VH$ZrH$s g‘yh Ho$ AÜ`j Wo.

S>m°. èmodY©Z d‘m© H$mo {XZm§H$ 28 ‘mM©, 2018 go eoàYmaH$ {ZXoeH$ Ho$ én ‘| MwZm J`m h¡. S>m° d‘m© Zo Bbmhm~mX {díd{dÚmb` go ‘H¡${ZH$b B§Or{Z`[a¨J ‘| {S>J«r, ng©Zb ‘oZoO‘|Q> Am¡a B§S>ñQ´r`b [aboeZ ‘| n§Om~ {díd{dÚmb` go ñZmVH$moÎma {H$`m h¡. do AmB©.AmB©.Q>r., IaJnwa go nr.EM.S>r. ^r h¢

CÝhm|Zo AnZo H¡$[aà H$s ewéAmV Q>mQ>m ñQ>rb Ho$ gmW H$s Am¡a CÝhm|Zo Cfm B§{S>`m Am¡a qOXmb g§ñWm Ho$ gmW ‘mZd g§gmYZ {d^mJ ‘| ^r H$m`© {H$`m. CÝhm|Zo E‘.AmB©.Ama.gr. BboŠQ´m{ZŠg {b{‘Q>oS> ‘| gr.B©.Amo. VWm Eb.Or. BboŠQ´m{ZŠg B§{S>`m (Kaoby CnH$aU) ‘| {ZXoeH$ Ho$ én ‘|, B§{S>`Z Am°naoeÝg ‘| ‘w»` n[aMmbZ A{YH$mar Am¡a CnmÜ`j (‘mZd g§gmYZ)Ho$ én ‘| H$m`© {H$`m h¢.

lr d‘m© H$mo {~OZog Qw>So> Ûmam 'hoao{Q>H$' Am¡a 'JbAn' nwañH$mam| go gå‘m{ZV {H$`m J`m Wm Am¡a 1997 ‘| ^maV H$s EH$ à{V{ð>V H$mamo~ma n{ÌH$m, {~OZog Qw>So> Ho$ ‘wIn¥ð> na ^r CÝh| ñWmZ {X`m J`m Wm. ì`mdgm{`H$ à~§YZ ‘| ‘hËdnyU© `moJXmZ Ho$ {bE CÝh| ApIb ^maVr` à~§YZ Egmo{gEeZ Ûmam gå‘mZmW© {ejmd¥{Îm àXmZ H$s JB© h¡. dh Am°b B§{S>`m ‘¡ZoO‘|Q> Egmo{gEeZ Ho$ à~§YZ n[afX Ho$ gXñ` ^r Wo. do 2009-11 H$s Ad{Y Ho$ Xm¡amZ Cn^moº$m BboŠQ´m°{ZŠg Am¡a CnH$aU {Z‘m©Vm (gr.B©.E.E‘.E.) Ho$ AÜ`j Wo.

lr amHo$e Hw$‘ma H$mo 28 ‘mM©, 2018 H$mo ~¢H$ Ho$ ‘§S>b ‘| eoàYmaH$ {ZXoeH$ Ho$ ê$n ‘| {Zdm©{MV {H$`m J`m h¡. do ^m¡{VH$s {dkmZ ‘| ñZmVH$moÎma h¡. dV©‘mZ ‘|, do ^maVr` OrdZ ~r‘m {ZJ‘ ‘| H$m`©nmbH$ {ZXoeH$ ({dnUZ/ ~¢H$~r‘m Am¡a d¡H$pënH$ M¡Zb) Ho$ ê$n ‘| H$m`©aV h¢. dV©‘mZ Xm{`Ëd go nyd©, do CÎma A§Mb H$m`m©b` Ho$ joÌ à~§YH$ ({dnUZ), CÎma joÌ H$m`m©b` Am¡a nydu H|$Ðr` joÌ H$m`m©b` Ho$ joÌ à~§YH$ (H$m{‘©H$ Am¡a Am¡Úmo{JH$ g§~§Y) Wo.


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1 lr AídZr Hw$‘ma AÜ`j Ed§ à~§Y {ZXoeH$ 60 E‘.Eg.gr. gr.E.AmB©.AmB©.~r. 01.01.2013 go 31.12.2017

1. maVr` OrdZ ~r‘m {ZJ‘ {ZXoeH$

0

2 lr‘Vr V¥îUm Jwhm H$m`©nmbH$ {ZXoeH$ 60 E‘.Eg.gr., H§$ß`yQ>a {dkmZ ‘| nr.Or.S>r. 05.08.2013 go 31.08.2017

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3 lr a‘oe Eg. qgh H$m`©nmbH$ {ZXoeH$ 56 ~r.E., Eb.Eb.~r., gr.E.AmB©.AmB©. ~r. 22.01.2016 go 21.01.2019

eyÝ` 0

4 S>m° amOoe Hw$‘ma `Xwd§er H$m`©nmbH$ {ZXoeH$ 57 E‘.Eg.gr., E§Q>‘m°bOr ‘| nr.EM.S>r., gr.E.AmB©.AmB©.~r.

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5 lr AemoH$ Hw$‘ma qgh ^maV gaH$ma Zm{‘Vr 49 ~r.Q>oH$ (‘¡Ho${ZH$b B§Or{Z`[a¨J) 15.01.2016 go AJbo AmXoe VH$

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7 lr ~§{H$‘ Ama. XogmB© H$m‘Jma H$‘©Mmar {ZXoeH$ 58 ~r. H$m°‘ 19.09.2014 go 18.09.2017

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8 lr A{‘V MQ>Ou A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$

63 ~rE (Am°Zg©) - AW©emó, E‘~rE (’$mBZ|g E§S> ‘¡ZoO‘|Q>) E‘ {’$b (bmoH$ àemgZ)

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9 lr Or. JmonmbH¥$îU A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$

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eyÝ` 100


31.03.2018 H$mo ‘§S>b H$s g{‘{V`m| H$m JR>Z

H«$.g. g{‘{V Zm‘

‘§S>b à~§YZ g{‘{V 1. lr a‘oe Eg. qgh 1. H$m`©nmbH$ {ZXoeH$-I2. S>m° amOoe Hw$‘ma `Xwd§er 2. H$m`©nmbH$ {ZXoeH$-II3. lr Eg. gr. ‘wa‘w 3. ^maVr` [aOd© ~¢H$ Ho$ Zm{‘V {ZXoeH$

4. lr A{‘V MQ>Ou 4. A§eH$m{bH$ J¡a-gaH$mar {ZXoeH$

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Zm‘m§H$Z g{‘{V 1. lr AemoH$ Hw$‘ma qgh 1. ^maV gaH$ma Ho$ Zm{‘V {ZXoeH$



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ã`mO Xa Omo{I_ Ho {bE ny§Or H$r Amdí`H$Vm 543.73

{dXoer _wÐm Omo{I_ (ñdU© g{hV) Ho {bE ny§Or H$r Amdí`H$Vm

2.70

Bp¹Qr Omo{I_ Ho {bE ny§Or H$r Amdí`H$Vm 75.24(iii) n{aMmbZ Omo{I_ Ho {bE ny§Or Amdí`H$Vm 551.17

~o{gH gyMH AàmoM Ho AYrZ n{aMmbZ Omo{I_ Ho {bE ny§Or H$r Amdí`H$Vm

551.17

(iv) AÝ` Omo{I_mo§ Ho {bE ny§Or H$r Amdí`H$Vm 264.47

~¢H H$r Omo{I_ Ho {bE ny§Or H$r Amdí`H$Vm 1.31

AMb AmpñV`mo§ Ho {bE ny§Or H$r Amdí`H$Vm 137.70

AÝ` AmpñV`mo§ Ho {bE ny§Or H$r Amdí`H$Vm 125.46(v) Hw$b ny§Or

G$U, ~mOma, n{aMmbZ Am¡a AÝ` Omo{I_ Ho {bE Ý`yZV_ ny§Or Amdí`H$Vm

6488.29

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nmÌ Qrà I ny§Or 6425.56

nmÌ Qrà II ny§Or 1662.56(vi) gr.Ama.E.Ama.

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gr.B©.Qr. I gr.Ama.E.Ama. 8.81

Qrà I gr.Ama.E.Ama. 8.81

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~¢H H$r g§aMZm Am¡a àUmbr :

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Cn _mZH AmpñV`m§

Cn _mZH AmpñV Cgo _mZm OmVm h¡ Omo {H 12 _hrZo `m Cggo H$_ Ad{Y VH EZ.nr.E. ahm hmo. dgybr Ho g^r Cnm` Cn _mZH ImVmo§ na ^r bmJy hmoVo h¢. `{X g§nyU© ~H$m`m am{e H$r ZH$X dgybr H$r OmVr h¡ Vmo Cg ImVo H$m _mZH loUr _o§ Vwa§V CÞ`Z {H$`m Om gH$Vm h¡. Bgr àH$ma `{X {H$gr ImVo H$mo VH$ZrH$r H$maUmo§ go EZ.nr.E. Ho én _o§ dJr©H¥$V {H$`m J`m h¡ Vmo VH$ZrH$r H$maU H$m g_mYmZ hmoZo na ImVo H$m CÞ`Z {H$`m OmòJm.g§{X½Y AmpñV`m§

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S. G$U Omo{I_ Ho n{a_mUmË_H àH$QZ {ZåZ àH$ma h¢ :

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9 agm`Z Am¡a amgm`{ZH CËnmX (a§J, no§Q, Am{X)

166.09 59.97

10 a~‹S, ßbmpñQH Am¡a CZHo CËnmXmo§ 59.35 29.6911 H$m§M Am¡a H$m§M go ~Zo CËnmX 59.82 54.2212 gr_o§Q Am¡a gr_o§Q CËnmXmo§ 161.64 149.5213 ~o{gH YmVw Am¡a YmVw CËnmX 2838.52 1480.7314 g^r B§Or{Z`qaJ 1701.68 606.4315 dmhZ, dmhZ nmQ²g© Am¡a n{adhZ CnH$aU 33.71 25.3516 aËZ Ed§ Am^yfU 465.11 258.8217 {Z_m©U 1056.29 728.2918 ~w{Z`mXr g§aMZm 2454.06 1280.44

{OZ_o§ go D$Om© 741.51 329.20g§Mma 519.88 258.45n{adhZ 795.38 327.51nmZr Am¡a ñdÀNVm 73.00 73.00gm_m{OH Am¡a dm{UpÁ`H g§aMZm 63.18 31.17AÝ` 261.11 261.11

19 AÝ` CÚmoJmo§ 685.78 415.58Ad{eîQ AÝ` A{J«_mo§ (gH$b A{J«_mo§ Ho gmW {_bmZ H$aZo Ho {bE)

4529.52 2248.71

Hw$b 16361.44 8480.08

n àË`oH ^m¡Jmo{bH joÌ go g§~§{YV gm_mÝ` àmdYmZmo§ H$r _mÌm g{hV _hËdnyU© ^m¡Jmo{bH joÌmo§ go {d^m{OV EZnrE H$r am{e



31 _mM© 2018 H$r pñW{V (é. H$amo‹S _o§)

Ad_mZH A{J«_ g§{X½Y A{J«_ hm{Z A{J«_ Hw$b EZnrE Hw$b àmdYmZ

EZnrEam{e àmdYmZ EZnrE am{e àmdYmZ EZnrE am{e àmdYmZ

n{ü_r ^maV 2617.76 402.94 9092.28 5716.67 1363.83 1295.46 13073.87 7415.08

X{jU ^maV 256.04 38.93 523.63 307.78 220.99 220.92 1000.66 567.63

nydr© ^maV 46.14 7.20 533.69 458.10 234.46 233.86 814.29 699.16

CÎma ^maV 337.57 50.75 2725.61 1700.51 101.41 100.99 3164.60 1852.25

_Ü` ^maV 97.24 14.79 380.71 255.14 26.99 26.88 504.94 296.81

’$m_© gr Ho AZwgma Hw$b

3354.75 514.62 13255.93 8438.20 1947.69 1878.11 18558.37 10830.93

àYmZ H$m`m©b` _o§ àySo§{e`b {bIo§ ~Å>o ImVo

1.00 1.00 1813.08 1813.08 382.85 382.85 2196.93 2196.93

àYmZ H$m`m©b` na à{VboIZ

92.11 61.81 153.92

Hw$b (A§{V_) 3353.75 513.62 11442.85 6533.01 1564.84 1433.45 16361.44 8480.08

gmaUr SrE\ - 4: G$U Omo{I_ : _mZH A{^J_ Ho AZwgma g§{d^mJ H$m àH$QZ


_mZH$rH¥$V X¥pîQH$moU Ho A§VJ©V, ~¢H Xoer` H«o${SQ EŠgnmoµOa Ho {bE ^maVr` {aµOd© ~¢H Ûmam _mÝ`Vm àmßV aoqQJ B©.gr.Ama.E. (~mø HŒo {SQ aoqQJ EOo§gr) Ho$à, {H«${gb, ^maVr` aoqQJ, AmB©.gr.Ama.E., {~«H$dS© Am¡a Eg.E_.B©.Ama.E. Am¡a B§’$mo_o{aŠg H$m ñdrH$ma H$aVm h¡ Am¡a {dXoer H«o${SQ aoqQJ Ho {bE ^maVr` {aµOd© ~¢H Ho AZwgma ~¢H ñQoÝSS© Ed§ nyAa, _ySr Am¡a {’$M ñdrH$ma H$aVm h¡.

Ama~rAmB© Ûmam ñdrH¥$V aoqQJ B©.gr.E.AmB©. (~mø H«o${SQ aoqQJ EOo§gr) àmßV H$a ~¢H ~‹So H$mnmo©aoQ CYmamo§ H$mo ~‹TmVm h¡ Am¡a Omo{I_-^m{aV AmpñV`mo§ H$r JUZm hoVw aoqQJmo§ H$r CnbãYVm na BZ aoqQJmo§ H$m à`moJ H$aVm h¡.

~¢H$ Zo grAmaEAma JUZm Ho$ {bE {ZYm©[aV AZhoÁS> {dXoer ‘wÐm E³gnmoOa Ho$ {bE

` 5.92 H$amoS> H$s ny§Or, ImVo ‘| Omo{I‘-^m[aV AmpñV¶m| ‘| én ‘o ` 65.73 H$amoS> em{‘b {H$E h¡. Q>r¶a 2 ny§Or H$s nmÌVm ‘|, ` 7.28 H$amoS> H$s AZhoÁS> {deoXr ‘wÐm H$m àmdYmZ em{‘b h¡.

_mZH A{^J_ ({ZYm©{aV Am¡a A{ZYm©{aV) Ho AZwgma Omo{I_ H$_ H$aZo Ho ~mX Omo{I_ Ym{aV AmpñV`m§ {ZåZ{b{IV à_wI VrZ Omo{I_ lo{U`mo§ _o§ {ZåZ AZwgma h¢… {Z{Y AmYm{aV d J¡a {Z{Y AmYm{aV G$U

(` H$amoS _o§)

31.03.2018 H$mo {Z{Y AmYm{aV EŠgnmoOa

J¡a-{Z{Y AmYm{aV EŠgnmoOa

100% go H$_ 46189.14 4766.33

100% H$r Xa na 17796.12 2624.63

100% go A{YH 9123.13 1782.91

KQm`m (gr.Ama.E_. Ho g_j) 3327.11 1099.23

KQmE§ : àYmZ H$m`m©b` na à{VboIZ -2196.93 0.00

Hw$b 74238.57 10273.11

{~H«$s H$r JB© AmB©.~r.nr.gr. (ê 1774.79 H$amo‹S) 100% H$r Xa go br JB© h¡.

gmaUr SrE\ - 5 G$U Omo{I_ KQmZm : _mZH A{^J_ Ho {bE àH$QZ

H$. G$U Omo{I_ KQmd VH$ZrH$- Am°Z/ Am°\ VwbZnÌ ZoqQJ

Am°Z/ Am°\ VwbZnÌ ZoqQJ G$U/ A{J«_ Am¡a O_mAmo§ VH n{agr{_V h¡ Ohm§ ~¢H H$r {d{YH ên go bmJy ZoqQJ ì`dñWm h¡ {Og_o§ XñVmdoOr gmI Ho gmW {d{eîQ YmaUm{YH$ma em{_b h¡.

I. g§nm{œ©H$mo§ H$m _yë`m§H$Z

{dÎmr` g§nm{œ©H$mo§ Ed§ J¡a-g§nm{œ©H$mo§ Ho _yë`m§H$Z Ho g§~§Y _o§ ~¢H H$r dV©_mZ {Xem{ZXoemo§ Ho AZwgma Mmby ~mOma H$r_V Ho AmYma na nmÌ g§nm{œ©H$mo§ H$m _yë`m§H$Z {b`m OmVm h¡.

~¢H AnZo CYmaH$Vm©Amo§ H$mo {XE JE G$Umo§ ({Z{Y AmYm{aV Ed§ J¡a-{Z{Y AmYm{aV) H$r gwajm Ho {bE {d{^Þ àH$ma H$r à{V^y{V`m§ ({Ogo g§nm{œ©H à{V^y{V ^r H$hm Om gH$Vm h¡) àmßV H$aVm h¡. gm_mÝ`V… {ZåZàH$ma H$r à{V^y{V`m§ (Mmho dh àmW{_H à{V^y{V hmo `m gnm{œ©H à{V^y{V) br OmVr h¡

1. Mb AmpñV`m§ O¡go ñQm°H$, Mb _erZar Am{X.

2. AMb AmpñV`m§ O¡go ^y{_, ^dZ, ßbm§Q Ed§ _erZar.

3. ~¢H H$r AnZr O_m am{e`m§.

4. EZ.Eg.gr., AmB©.dr.nr., Ho .dr.nr., gaH$mar ~m§S, ^maVr` {aOd© ~¢H Ho ~m§S, OrdZ ~r_m {ZJ_ H$r nm°{b{g`m§ Am{X.

5. J¡a {Z{Y AmYm{aV gw{dYmAmo§ na ZH$X _m{O©Z.

6. ñdU© Am^yfU.

7. AZw_mo{XV gyMr Ho AZwgma eoà.

~¢H H$mo à^m{aV à{V^y{V`mo§ Ho _yë`m§H$Z Ho {bE ~¢H Ho nmg gw{ZYm©{aV nm°{bgr h¡. G$U Zr{V Ho AZwgma g§nm{œ©H à{V^y{V`mo§ Omo ~¢H H$mo à^m{aV H$r JB© h¡ O¡go AMb AmpñV`mo§ H$m _yë`m§H$Z, VrZ df© _o§ EH ~ma {H$`m OmZm Mm{hò &


~¢H Ho G$U Omo{I_ na _w»` àH$ma Ho Jma§QrXmVm Bg àH$ma h¢ :

• ì`{º (ì`{º$JV Jma§Qr)

• H$m°nmo©aoQ

• H|$Ð gaH$ma

• amÁ` gaH$ma

• B©.gr.Or.gr.

• gr.Or.Qr.E_.Eg.B©.

gr.Ama.E_. à{V^y{V`m§ A{YH$m§eV… ~¢H H$r AnZr O_mAmo§ na VWm gaH$mar à{V^y{V`mo§, OrdZ ~r_m {ZJ_ nm°{bgr na G$Umo§ Ho {bE CnbãY h¢. gr.Ama.E_. à{V^y{V`m§ J¡a {Z{Y AmYm{aV gw{dYmAmo§ O¡go Jma§{Q`mo§ Ed§ gmI nÌmo§ Ho {bE ^r br OmVr h¢.

~¢H Ho G$Umo§ Ho {bE gr.Ama.E_. Ho ên _o§ nmÌ Jma§QrH$Vm© (~ogb ) Ho AZwgma _w»` ên go Ho§ Ð/amÁ` gaH$ma, B©.gr.Or.gr., gr.Or.Qr.E_.Eg.B©. h¢.

{XZm§H 31.03.2018 H$mo {Z{Y AmYm{aV ~H$m`m G$Umo§ _o§ go H$Qm¡Vr Ho {bE nmÌ Hw$b ApñWaVm g_m`mo{OV G$U Omo{I_ àem_H ` 4426.34 H$amo‹S h¢.

J. gr.Ama.E_. EŠgnmoOa (g§{d^mJ dma) (` H$amoS _o§)

AmpñV`mo§ H$m ñdên {Z{Y AmYm{aV

EŠgnmoOa

gr.Ama.E_. EŠgnmoOa

J¡a-{Z{Y EŠgnmoOa

gr.Ama.E_. EŠgnmoOa

Kaoby ampîQ—H 0.08 0 0.13 0

gmd©O{ZH joÌ H$r g§ñWmE§ 6809.7 130.18 836.34 15.27

~¢H na Xmdo 594.35 594.35 34.11 19.65

àmW{_H Srbg© 2.8 0 1.06 0.2

H$mnmo©aoQ²g 34389.52 681.22 8794.24 840.5

{d{Z`m_H IwXam g§{d^mJ 21032.45 1595.47 547.55 198.22

Amdmgr` g§n{Îm 5336.31 18.94 0 0

ì`mnm{aH ñWmda g§nXm 526.41 0.06 55.83 23.63

{d{eîQ g§dJ© 6797.94 284.73 3.85 1.76

AÝ` AmpñV`m§ 945.94 22.16 0 0

Hw$b 76435.51 3327.11 10273.11 1099.23

H$_: àYmZ H$m`m©b` na à{VboIZ

2196.93 0.00 0.00 0.00

A§{V_ Am§H$So 74238.58 3327.11 10273.11 1099.23

gmaUr SrE\ -6 à{V^y{VH$aU G$U : _mZH A{^J_ Ho {bE àH$QrH$aU

{XZm§H 31 _mM©, 2018 H$mo ~¢H Ho nmg AnZr AmpñV`mo§ Ho à{V^y{VH$aU H$m H$moB© _m_bm Zht h¡.

gmaUr SrE\ - 7 : ì`mnma ~hr _o§ ~mOma Omo{I_

~¢H$, ~mOma Omo{I_ H$mo ~mOma H$r_V _o§ hmo ahr à{VHy b J{V{d{Y`mo§ go hmoZodmbr g§^mì` hm{Z Ho ên _o§ n{a^m{fV H$aVm h¡. {ZåZ{b{IV Omo{I_mo§ H$mo ~mOma Omo{I_ Ho ên _o§ {ZYm©{aV {H$`m J`m h¡ :

• ã`mO Xa Omo{I_

• _wÐm Omo{I_

• H$r_V Omo{I_

E.Eb.gr.Amo. (AëH$mo) SoñH$

E.Eb.E_. SoñH `m AmpñV Ed§ Xo`VmE§ à~§YZ {d^mJ Ho à_wI _w»` à~§YH g_pÝdV

Omo{I_ à~§YZ {d^mJ Ho SoñH _o§ AZoH à{e{jV A{YH$mar h¡ Omo {H E.Eb.gr. Ho AmpñV Ed§ Xo`VmE§ à~§YZ Ho {Xem{ZXoemo§ H$mo H$m`m©Ýd{`V H$aZo Ho {bE CÎmaXm`r h¡ Am¡a do Bg à`moOZ Ho Amdí`H AÜ``Z, {díbofU Am{X H$aVo h¡,

{_S-Am°{’$g

{_S-Am°{\ g _o§ g_pÝdV IOmZm emIm H$m`©aV A{YH$mar Amdí`H H$m¡eb go gwgp‚V h¡. do {Za§VaVm Ho AmYma na n{aMmbZ _o§ em{_b ~mOma Omo{I_ H$r gyMZm XoZo, {ZJamZr aIZo, _mnZ VWm {díbofU Ho {bE CÎmaXm`r h¡. {_S-Am°{\ g IOmZm Ho \Œ§ Q Am¡a ~¡H Am°{\ g go ñdV§Ì h¡ Am¡a grYo hr Cn _hmà~§YH (g_pÝdV Omo{I_ à~§YZ {d^mJ) Am¡a _hmà~§YH (g_pÝdV Omo{I_ à~§YZ) H$mo {anmoQ© H$aVo h¡. {_S-Am°{\ g Bg Zr{V _o§ {ZYm©{aV {ddoH$gå_V gr_m Ho nmbZ Ho ñVa na VWm gmW hr gmW ~¢H H$r {Zdoe Zr{V na gmßVm{hH {anmoQ© Cn _hmà~§YH (g_pÝdV Omo{I_ à~§YZ {d^mJ) H$mo àñVwV H$aVm h¡.

~mOma Omo{I_ à~§YZ

Cº Xr JB© Omo{I_ à~§YZ Ho {bE, ~¢H Ho {ZXoeH _§Sb Zo {d{^Þ gr_mE§ O¡go Hw$b {ZnQmZ gr_mE§, hm{Z amoH$Zo H$r gr_m VWm Omo{I_ _yë` gr_mE§ {ZYm©{aV H$r h¢. Omo{I_ gr_mE§, Iwbo ~mOma H$r pñW{V`mo§ Ho Omo{I_mo§ H$m {Z`§ÌU H$aVm h¡. G$U hm{Z amoH$Zo H$r gr_m, hwB© Ed§ hmoZodmbr hm{Z`mo§ H$mo ^r em{_b H$aVm h¡. ~¢H Zo ^maVr` {aOd© ~¢H Ho {Xem{ZXoemo§ Ho AZwgma Q—oqSJ nmoQ©\ mo{b`mo hoVw ~mOma Omo{I_ na ny§Or à^ma Ho n{aH$bZ Ho {bE ñQo§SSm©BOS SçyaoeZ AàmoM Zm_H C{MV àUmbr AnZm`r h¡. Bg àH$ma n{aH${bV ny§Or à^ma H$mo Omo{I_ dmbr AmpñV`mo§ _o§ A§V{aV {H$`m OmVm h¡.

#{XZm§H 31 _mM©, 2018 H$mo ~mOma Omo{I_ (_mZH$rH¥$V Ad{Y X¥pîQH$moU Ho AZwgma) na ny§Or à^ma {ZåZ àH$ma h¡…

H«$_ g§.

Omo{I_ loUr aH$_ (` H$amo‹S _o§)

I ã`mO Xa (E+~r) 543.7232

gmYmaU ~mOma Omo{I_ 348.3695(i) {Zdb pñW{V 348.3406(ii) hm°{aOmo§Qb AñdrH¥${V 0.0021(iii) do{Q©H$b AñdrH¥${V 0.0268(iv) {dH$ën 0.0000

{d{eîQ Omo{I_ 195.3537II B©p¹Qr Omo{I_ (i+ii) 75.2429i. gmYmaU ~mOma Omo{I_ 33.4413ii. {d{eîQ Omo{I_ 41.8016III {dXoer {d{Z_` Omo{I_ (ñdU© g{hV) 2.7000IV

_mZH$rH¥ V Ad{Y X¥pîQH$moU (I+II+III) Ho A§VJ©V ~mOma Omo{I_ Ho {bE Hw$b ny§Or à^ma

621.6661

# ~mOma Omo{I_ na ny§Or à^ma H$r JUZm EZ.gr.E.E\. n{anÌ Ho AmYma na H$r OmVr h¡. Omo{IV ^m{aV AmpñV`mo§ H$r JUZm ny§Or ewëH 12.5 Ho JwUO Ûmam H$r OmVr h¡.

gmaUr SrE\ -8 : n{aMmbZ Omo{I_

n{aMmbZ Omo{I_ hm{Z H$m Omo{I_ h¡ Omo {H$gr àH$ma H$r An`m©ßVVm `m Am§V{aH à{H«$`m ì`{º `m ì`dñWm H$r Ag’$bVm, `m ~mhar KQZmAmo§ Ho ’$bñdên hmoVm h¡. Bg_o§ {d{YH Omo{I_ em{_b hmoVo h¡ bo{H$Z H$m`©Zr{VH Am¡a à{VîRm Omo{I_ em{_b Zhr hmoVm h¡. ~¢H Ho X¡{ZH H$mamo~mar H$m`©H$bmnmo§ _o§ n{aMmbZ Omo{I_ EH ^mJ h¡.

~ogb III àH$Q>rH$aU~ogb III àH$Q>rH$aU


n{aMmbZ Omo{I_ à~§YZ (Amo.Ama.E_.) Ho CÔoí`

• {OZ H$m`©H$bmnmo§ / H$mamo~ma bmBZ {OZ_o§ ~¢H em{_b h¡, CZH$r n{aMmbZ Omo{I_ g_ÂmZo H$r Amdí`H$Vm H$mo nhMmZZm. Amo.Ama.E_. {H«$`m H$mo Bg àH$ma Ho Omo{I_ H$m e_Z H$aZo H$r à{H«$`m g_ÂmZm Mm{hE A{nVw Bgo Bg àH$ma Ho Omo{I_ H$mo g_ÂmZo, nhMmZZo, Cnm`, {ZJamZr VWm {Z`§ÌU Ho {bE gwì`dpñWV A{^J_ g_ÂmZm Mm{hE.• {d{^Þ H$maU {OZH$r J§^raVm Am¡a àd¥{Îm Omo n{aMmbZ Omo{I_ {df` na AmYm{aV O_m {H$E JE dmñV{dH Omo{I_ Am§H$‹So na n{aMmbZ Omo{I_ gr_m {Z`V H$aZm/ n{aMmbZ Omo{I_ KQZmAm Ho hmoZo Ho AY…em`r H$maUmo§ H$mo Xya H$aZo/ Adamo{YV H$aZo Ho {bE `h A{^J_ Amdí`H hmoJm.

• {d{eîQ H$mamo~ma bmBZ Ho {bE n{aMmbZ Omo{I_ gyMZm àUmbr H$mo ~ZmZm.

• Omo{I_ KQZmAmo§ H$mo à^mdr ên go nhMmZZo, {ZYm©aU H$aZo, {ZJamZr, {Z`§ÌU Am¡a H$_ H$aZo Ho amob H$mo {Z{üV H$aZo Ho {bE ~¢H H$r {XZ à{V{XZ Omo{I_ à~§YZ à{H«$`m _o§ g_pÝdV Amo. Ama.E_. ì`dñWm.

• Wm g_` _o§ n{aMmbZ Omo{I_ Ho {bE ~o{gH B§{SHo Qa AàmoM (~r. AmB©.E.) go CÀMVa X¥pîQH$moU (Qr.Eg.E./ E.E_.E.) H$mo Am¡a ~‹TZo H$m àñVmd.

^maVr` {aOd© ~¢H Ho {Xem{ZXoemo§ Ho AmYma na, ~¢H Zo n{aMmbZ Omo{I_ Ho {bE ny§Or H$r Amdí`H$VmAmo§ Ho n{aH$bZ Ho {bE ~o{gH B§{SHo Qa AàmoM AnZm`m h¡. ~r. AmB©.E. Ho A§VJ©V ny§Or Amdí`H$Vm H$r JUZm H$r {d{Y H$mo g§jon _o§ {ZåZmZwgma {X`m OmVm h¡…

{nNbo VrZ dfmoª H$r gH$b Am` H$r JUZm H$aZo Ho {bE ^maVr` {aµOd© ~¢H H$r {Xem{ZXoemZwgma n{aMmbZ ì`` H$mo n{aMmbZ bm^ _o§ Omo‹S VWm àmdYmZmo§ Ho {adg©b, EM.Qr.E_. à{V^y{V`mo§ Ho ~oMZo go bm^, Am¡a H$mamo~ma go bm^ H$mo KQm`m OmVm h¡. n{aMmbZ Omo{I_ H$m ny§OrJV à^ma nVm H$aZo Ho {bE Am¡gV gH$b Am` H$mo 'Amë\ m'(15%) \° ŠQa Ho gmW Am¡gV gH$b Am` go JwUm {H$`m OmVm h¡. ny§OrJV à^ma Ho AmYma na Omo{I_ Ym{aV AmpñV`mo§ H$r JUZm H$r OmVr h¡. ~¢H ~r.AmB©.E. Ho A§VJ©V n{aMmbZ Omo{I_ Ho {bE ny§Or à^ma H$r JUZm H$aVm h¡, ny§Or à^ma H$mo 12.5 go JwUm H$aZo Am¡a n{aMmbZ Omo{I_ Ho {bE H$pënV Omo{I_ ^m{aV AmpñV`m§ (Ama.Sãë`y.E.) Bg Ho nümV AmVm h¡.

{XZm§H 31 _mM© 2018 H$mo n{aMmbZ Omo{I_ Ho {bE Omo{I_ dmbr AmpñV` `6124.13 H$amo‹S Wr.

gmaUr SrE\ -9: . ~¢qH$J ~hr _o§ ã`mO Xa Omo{I_ (AmB©.Ama.Ama.~r.~r.)

AmB©.Ama.Ama.~r.~r. _mn Xmo X¥pîQH$moU B©EAma Am¡a E_dr Ho _mÜ`_ go {H$`m OmVm h¡. ã`mO Xa H$m Omo{I_ BZ Xmo X¥pîQH$moUmo§ go XoIm OmZo na HŒ _e… 'AO©Z n{aàoú`' Am¡a 'Am{W©H _yë` n{aàoú`' Ho ên _o§ OmZm OmVm h¡. XmoZmo§ X¥pîQH$moU AmpñV`mo§ Am¡a XoZXm{a`mo§ H$r Xa H$r g§doXZerbVm H$r pñW{V na {dMma H$aVr h¢ Omo ì`dhm{aH {díbofU Ho AmYma na Ad{eîQ n{an¹Vm g_` loUr _o§ dJr©H¥ V {H$`m J`m h¢.

Omo{I_ na Am` (nma§n{aH A§Vamb {díbofU) (Aënmd{Y) :

Bg A{^J_ Ho A§VJ©V ~¢H H$r {Zdb ã`mO Am` na ã`mO Xa _o§ n{adV©Z Ho Vwa§V à^md H$m {díbofU {H$`m OmVm h¡.

i. {d{^Þ dmVmdaUmo§ _o§ Omo{I_ _o§ Am` AO©Z H$m {díbofU {ZåZ àH$ma {H$`m J`m h¡ :

(` H$amoS _o§)

B©EAma AmJm_r df© _o§ EZ.AmB©.AmB©. na à^md (AWm©V 31.03.2019)

50 AmYma A§H$ Ûmam

200 AmYma A§H$ Ûmam

AmpñV`mo§ VWm Xo`VmAmo§ na ã`mO Xamo§ _o§ d¥{Õ (A§Vamb AmKmV)

66.83 267.33

O_mAmo§ VWm {Zdoemo§ na ã`mO Xamo§ _o§ d¥{Õ Am¡a A{J«_ g§{d^mJ Ho {bE Zht (A§Vamb AmKmV)

-103.12 -412.48

l B©p¹Qr H$m Am{W©H _yë` (g§emo{YV Ad{Y A§Vamb {díbofU) (XrKm©d{Y):

H$. B©p¹Qr H$m Am{W©H _yë` kmV H$aZo hoVw B©p¹Qr H$r g§emo{YV Ad{Y àmßV H$aZo Ho {bE AmpñV`mo§ VWm Xo`VmAmo§ H$r g§emo{YV Ad{Y H$r JUZm H$r OmVr h¡. B©p¹Qr Ho Am{W©H _yë` Ho Aga Ho à^md H$m {díbofU Ad{Y A§Vamb nÕ{V go Kaoby n{aMmbZmo§ Ho {bE {Z`{_V A§Vambmo§ na 100 AmYma A§H$mo§/ 200 AmYma A§H$mo§ H$r Xa na H$_ H$aHo {H$`m OmVm h¡.

I. ã`mO Xamo§ _o§ 100 AmYma A§H$/ 200 AmYma A§H H$_ {H$E OmZo Ho H$maU ~¢H H$r {Zdb g§n{Îm na Hw$b Aga Kaoby n{aMmbZmo§ Ho {bE {XZm§H 31.03.2018 H$mo ` 576.31 H$amo‹S / ` 1152.62 H$amo‹S h¡.

J. AmpñV`mo§ VWm Xo`VmAmo§ Ho {bE `y.Eg. Smba _yë` dJ© _o§, ã`mO Xamo§ _o§ 100 AmYma A§H$/ 200 AmYma A§H H$_ {H$E OmZo Ho H$maU ~¢H H$r {Zdb g§n{Îm na Hw$b Aga Kaoby n{aMmbZmo§ Ho {bE {XZm§H 31.03.2018 H$mo ` 4.29 H$amo‹S/ ` 8.59 H$amo‹S h¢.

K. AmpñV`mo§ VWm Xo`VmAmo§ Ho {bE Ad{eîQ _wÐm _yë` (AmB©.EZ.Ama. d `y.Eg.

Sr. go AbJ) dJ© _o§, ã`mO Xamo§ _o§ 100 AmYma A§H$/ 200 AmYma A§H H$_ {H$E OmZo Ho H$maU ~¢H H$r {Zdb g§n{Îm na Hw$b Aga Kaoby n{aMmbZmo§ Ho {bE {XZm§H 31.03.2018 H$mo ` 0.29 H$amo‹S/ ` 0.58 H$amo‹S h¢.H$mamo~ma Ho Xm¡amZ, ~¢H Zo em{_b Omo{I_ H$mo {ZYm©{aV H$aZo, CgHo à^md H$mo _mnZo, Cgo H$_ H$aZo H$r VH$ZrH AnZmZo/Eogo Omo{I_mo§ H$mo H$_ H$aZo Ho {bE Amdí`H Cnm`/ H$_ H$aZo Ho {bE àUmbr Am¡a à{H«$`m V¡`ma H$r h¢. AmJo Eogo Omo{I_mo§ H$r {ZJamZr Am¡a CZH$mo H$_ H$aZo H$m H$m`© {Za§Va AmYma na Omar ahoJm.

gmaUr SrE\ - 10 à{VnjH$ma G$U Omo{I_ go g§~§{YV EŠgnmoOa Ho {bE gm_mÝ` àH$QrH$aU JwUmË_H àH$QrH$aU

à{VnjH$ma G$U Omo{I_ H$mo n{a^m{fV {H$`m OmVm h¡ {H à{VnjH$ma H$m g§ì`dhma _o§ boZ-XoZ Ho ZH$Xr à^md Ho A§{V_ {ZnQmZ go nhbo MyH {H$`m OmVm h¡. `h ì`wËnÞr Am¡a {dÎm nmofU à{V^y{V`mo§ Ho g§ì`dhma H$m `h Omo{I_ H$m àmW{_H O{a`m h¡. G$U Ho O{aE ~¢H EŠgnmoOa _o§ G$U Omo{I_ Ho {dnarV, Ohm§ G$U Omo{I_ H$m EŠgnmoOa EH njr` h¡ Am¡a Ho db CYmaH$Vm© ~¢H hm{Z H$m gm_Zm H$aVm h¡, à{VnjH$ma Ho G$U Omo{I_ H$m ñdên {Ûnjr` hmoVm h¡ AWm©V² g§ì`dhma H$r à{VnjH$ma Ho {bE boZ-XoZ H$r ~mOma H$r_V `m Vmo YZmË_H hmo gH$Vr h¡ `m G$UmË_H Am¡a ~mOma KQH$mo§ Ho A§V{Z©{hV J{V{d{Y`mo§ go AmJo Ho g_` _o§ KQVm `m ~TVm ahVm h¡.

`{X à{VnjH$ma H$m g§ì`dhma `m g§ì`dhma Ho g§{d^mJ H$m MyH Ho g_` Am{W©H H$r_V YZmË_H hmo Vmo Am{W©H hm{Z hmoJr.

~ogb III àH$Q>rH$aU~ogb III àH$Q>rH$aU


~¢H J«mhH$mo§ H$mo ì`wËnÞr CËnmX O¡go {H \ moaoŠg \ moadS© H$moÝQ—oŠQ H$m àñVmd aIVm h¡ {Oggo do CZHo _wÐm EŠgnmoOa H$m ~Mmd H$a gHo . H$m§CQa na g^r ì`wËnÞr à{VnjH$ma H$mo G$U Omo{I_ H$r Amoa AJ«ga H$aVm h¡ {Og na ~¢H {Z`{_V ên go {ZJamZr aIVm h¡.

ì`wËnÞr ì`dhma H$aZo Ho {bE _§Sb Ûmam AZw_mo{XV ~¢H H$r gw{ZYm©{aV Zr{V h¡.

gr.gr.Ama. EŠgnmoOa Ho {bE ny§Or H$m {ZYm©aU {ZYm©{aV _mZH$rH¥ V Ad{Y X¥pîQH$moU na AmYm{aV h¡.

_§Sb Ûmam AZw_mo{XV à{VnjH$ma ~¢H H$r Am§V{aH aoqQJ Ho AmYma na à{VnjH$ma Ho ên _o§ ~¢H$mo§ Ho {bE ~¢H Zo à{VnjH$ma G$U Omo{I_ gr_mE§ bJmB© h¡. AÝ` g§ñWmAmo§ Ho {bE à{VnjH$ma EŠgnmoOa _§Sb Ûmam {Z`V ì`mnH EŠgnmoOa gr_m Ho AYrZ h¡.

_mÌmË_H àH$QrH$aU

1. AmO H$r VmarI _o§ ~¢H {dXoer _wÐm dm`Xm g§{dYm Am¡a _wÐm H$r AXbm-~Xbr _o§ ì`dhma H$a ahm h¡.

2. ~¢H {Ûnjr` {Zdb am{e kmV H$aZo H$mo _mÝ`Vm Zht XoVm h¡. ì`wËn{Z`mo§ H$r G$UVwë` am{e`mo§ H$r Omo{I_ ^m{aVm Ho AYrZ dV©_mZ EŠgnmoOa {d{Y Ho AZwgma JUZm H$r OmVr h¡.

(` H$amoS _o§)

{ddaU {dXoer _wÐm g§{dXmE§ Am¡a _wÐmAmo§ H$r AXbm-~Xbr Mmby G$U EŠgnmoOa 56.05

g§^mì` ^mdr EŠgnmoOa 91.62

Hw$b gmI Vwë` 147.68

gmaUr SrE\ - 11: ny§Or H$r g§aMZm

(` H$amoS _o§)

31.03.2017 go à`moJ {H$`m OmZo dmbm ~ogb III gm_mÝ` àH$QrH$aU QoånboQ

gm_mÝ` B©p¹Qr {Qà 1 ny§Or : {bIV Am¡a Ama{jV {Z{Y`m± 11 grYo Omar H$r J`r Ah©Vm àmßV gm_mÝ` eoà ny§Or Am¡a g§~§{YV ñQm°H A{Yeof (eoà àr{_`_) 2259.05

2 à{VYm{aV Am` (1923.15)

3 g§{MV AÝ` ì`mnH Am` (Am¡a AÝ` Ama{jV {Z{Y`m§) 8265.75

4 gr.B©.Qr. 1 go Yrao-Yrao g_mßV hmoZo Ho AYrZ grYo Omar H$r J`r ny§Or (Ho db J¡a-g§`wº ñQm°H H§$n{Z`mo§ Ho {bE bmJy) 0.00

gmd©O{ZH joÌ Ûmam ny§Or SmbZo H$mo 1 OZdar 2018 VH nwamZo {Z`_ Ho AZwgma _mÝ` H$aZm (J«m§S\ mXS©) 0.00

5 ghm`H BH$mB`m± Ûmam Omar H$r J`r Am¡a Vrgao nj (gr.B©.Qr. 1 g_yh _o§ AZw_V am{e) Ûmam Ym{aV gm_mÝ` eoà ny§Or 0.00

6 {d{Z`m_H g_m`moOZmo§ go nhbo gm_mÝ` B©p¹Qr {Qà 1 ny§Or 8601.65

gm_mÝ` B©p¹Qr {Qà 1 ny§Or : {d{Z`m_H g_m`moOZ 7 {ddoH$nyU© _yë`m§H$Z g_m`moOZ

8 (JwS{db g§~§{YV H$a Xo`Vm H$m {Zdb)

9 _m°Q©JoO-g{d©qgJ A{YH$ma Ho Abmdm A_yV© AmpñV`m§ (g§~§{YV H$a Xo`Vm H$m {Zdb) 27.38

10 AmpñWJV H$a g§n{Îm 2975.52

11 ZH$Xr-àdmh ~Mmd {aµOd©

12 Ano{jV hm{Z Ho {bE àmdYmZmo§ H$r H$_r

13 {dH«$¶ na à{V^y{VH$aU bm^

14 C{MV _yë` Xo`VmAmo§ na {ZOr G$U Omo{I_ _o§ n{adV©Z Ho H$maU bm^ Am¡a hm{Z

15 n{a^m{fV-bm^ no§eZ H$mof {Zdb g§n{Îm -

16 {ZOr eoà _o§ {Zdoe ({anmoQ© {H$E JE VwbZ nÌ _o§ `{X nhbo go hr àXÎm ny§Or H$m g_m`moOZ Z {H$`m J`m hmo)

17 gm_mÝ` B©p¹Qr _o§ nañna H«$m°g-hmopëS§J

18 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho ny§Or _o§ {deof {Zdoe H$m nmÌ em°Q© nmo{OeZ {Zdb, Ohm§ ~¢H H$r Omar eoà ny§Or 10% go A{YH Zht h¡ (10% H$r àma§{^H gr_m go A{YH am{e)

-

19 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho gm_mÝ` eoà _o§ _hËdnyU© {Zdoe H$m nmÌ em°Q© nmo{OeZ (10% H$r àma§{^H gr_m go A{YH am{e) {Zdb

19.33

20 _moQ©JoO g{d©qgJ A{YH$ma (10% H$r àma§{^H gr_m go A{YH am{e)

21 AñWm`r {^ÞVm go CËnÞ AmpñWJV H$a g§n{Îm (10% H$r àma§{^H gr_m go A{YH am{e, g§~§{YV H$a Xo`Vm H$m {Zdb) --



(` H$amoS _o§)

31.03.2017 go à`moJ {H$`m OmZo dmbm ~ogb III gm_mÝ` àH$QrH$aU QoånboQ22 15% H$r àma§{^H gr_m go A{YH am{e

23 OZ_o§ go… {dÎmr` g§ñWmAmo§ Ho gm_mÝ` eoà _o§ _hËdnyU© {Zdoe

24 {OZ_o§ go… _m°Q©JoO g{d©qgJ A{YH$ma

25 {OZ_o§ go : AñWm`r {^ÞVm go CËnÞ hmoZo dmbr AmpñWJV H$a AmpñV`m§

26 amîQ—r` {d{eîQ {d{Z`m_H g§`moOH$

26 H {Og_o§ go : Ag_o{H$V ~r_m ghm`H H§$n{Z`mo§ Ho B©p¹Qr ny§Or _o§ {Zdoe

26 I {Og_o§ go… Ag_o{H$V J¡a-{dÎmr` ghm`H H§$nZr`mo§ Ho B©p¹Qr ny§Or _o§ {Zdoe

26 J {Og_o§ go : ~¢H Ho gmW J¡a-g_o{H$V à_wI {ZOr {dÎmr` g§ñWmAmo§ Ho B©p¹Qr ny§Or _o§ H$_r

26 ooK {Og_o§ go : An{aemo{YV no§eZ {Z{Y ì``

~mgb nyd© nÕ{V Ho Q—rQ_o§Q Ho AYrZ am{e Ho g§~§Y _o§ gm_mÝ` B©p¹Qr {Qà 1 na bmJy {d{Z`m_H g_m`moOZ

27 An`m©ßV A{V{aº {Qà 1 Am¡a {Qà 2 H$Qm¡Vr H$mo H$da H$aZo Ho {bE gm_mÝ` B©p¹Qr {Qà 1 na bmJy {d{Z`m_H g_m`moOZ 8.50

28 gm_mÝ` B©p¹Qr {Qà 1 _o§ Hw$b {d{Z`m_H g_m`moOZ 854.64

29 gm_mÝ` B©p¹Qr {Qà 1 ny§Or (gr.B©.Qr. 1) 6425.56

A{V{aº {Qà 1 ny§Or : {bIV30 grYo Omar {H$E JE nmÌ A{V{aº {Qà 1 {bIV Am¡a g§~§{YV ñQm°H A{Yeof (eoà àr{_`_ 125.00

31 {Og_o§ go : bmJy boIm§H$Z _mZH$mo§ Ho A§VJ©V B©p¹Qr Ho ên _o§ dJr©H¥ V (gVV J¡a-g§M`r A{Y_mZr eoà)

32 {Og_o§ go : boIm§H$Z _mZH$mo§ Ho A§VJ©V Xo`Vm Ho ên _o§ dJr©H¥ V (gVV G$U {bIV) 125.00

33 A{V{aº {Qà 1 ny§Or go MaU~Õ ên go ~mha (’o$O AmCQ) hmoZo Ho AYrZ grYo Omar {H$E JE ny§Or {bIV

34 ghm`H H§$n{Z`mo§ Ûmam Omar VWm Vrgao nj Ûmam (E.Qr. 1 g_yh _o§ AZw_V am{e VH$) Ym{aV A{V{aº {Qà 1 {bIV (Am¡a 5 dt n§{³V _o§ em{‘b Zht {H$E JE gr.B©.Qr. 1 {bIV)

35 {Og_o§ go… MaU~Õ ên go ~mha (’o$O AmCQ) hmoZo Ho AYrZ ghm`H H§$n{Z`mo§ Ûmam Omar {H$E JE {bIV

36 {d{Z`m_H g_m`moOZ H$aZo go nyd© A{V{aº {Qà 1 ny§Or 0.00

A{V{aº {Qà 1 ny§Or… {d{Z`m_H g_m`moOZ37 {ZOr A{V{aº {Qà 1 {bIV _o§ {Zdoe

38 A{V{aº {Qà 1 {bIVmo§ _o§ nmañn{aH HŒ m°g-hmopëS§½g

39 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho gm_mÝ` eoà _o§ {deof {Zdoe H$m nmÌ em°Q©nmo{OeZ {Zdb, Ohm§ ~¢H H$m g§ñWm Ho Omar eoà ny§Or (10% H$r àma§{^H gr_m go A{YH am{e) Ho 10% go A{YH H$m ñdm{_Ëd Zht h¡.

8.50

40 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho gm_mÝ` eoà _o§ _hËdnyU© {Zdoe H$m nmÌ em°Q©nmo{OeZ {Zdb

41 amîQ—r` {d{eîQ {d{Z`m_H g_m`moOZ (41 H + 41 I) --

41H J¡a-g_o{H$V ~r_m ghm`H H§$n{Z`mo§ Ho A{V{aº {Qà 1 ny§Or _o§ {Zdoe

41I ~hw_V Ho ñdm{_Ëd dmbr {dÎmr` g§ñWmAmo§ Ho A{V{aº ny§Or _o§ H$_r {OZH$mo ~¢H Ho gmW g_o{H$V Zht {H$`m J`m h¡

~mgb nyd© nÕ{V Ho Q—rQ_o§Q Ho AYrZ am{e`mo§ Ho g§~§Y _o§ A{V{aº {Qà 1 H$mo bmJy {H$E JE {d{Z`m_H g_m`moOZ

42 H$Qm¡Vr H$mo H$da H$aZo Ho {bE An`m©ßV {Qà 2 Ho H$maU {Qà 1 na bmJy {d{Z`m_H g_m`moOZ

43 A{V{aº {Qà 1 _o§ Hw$b {d{Z`m_H g_m`moOZ 0.00

44 A{V{aº {Qà 1 ny§Or (E.Qr. 1) 0.00

45 {Qà 1 ny§Or (Qr1= gr.B©.Qr. 1+ E.Qr. 1) (29+44) 6425.56

{Qà 2 ny§Or :{bIV Ed§ àmdYmZ 46 grYo Omar {H$E JE nmÌ A{V{aº {Qà 2 {bIV Am¡a g§~§{YV ñQm°H A{Yeof 1180.00

47 Q>rà 2 ny§Or go MaU~Õ ên go ~mha (\o O AmCQ) hmoZo Ho AYrZ grYo Omar {H$E JE ny§Or {bIV

48 ghm`H H§$n{Z`mo§ Ûmam Omar {H$E JE Ed§ V¥Vr` njmo§ Ûmam Ym{aV (am{e g_yh {Qà 2 _o§ AZw_V) Q>rà 2 {bIV (VWm n§{º`mo§ 5 Am¡a 34 _o§ em{_b Zht {H$ò Jò gr.B©.Qr. 1 Am¡a E.Qr. 1 {bIV)

49 {OZ_o§ go : MaU~Õ ên go ~mha (’o$O AmCQ) hmoZo Ho AYrZ ghm`H H§$n{Z`mo§ Ûmam Omar {H$E JE {bIV

50 àmdYmZ 482.56

51 {d{Z`m_H g_m`moOZmo§ go nhbo {Qà 2 ny§Or 1662.56



(` H$amoS _o§)

31.03.2017 go à`moJ {H$`m OmZo dmbm ~ogb III gm_mÝ` àH$QrH$aU QoånboQ

{Qà 2 ny§Or : {d{Z`m_H g_m`moOZ52 {ZOr {Qà 2 {bIV _o§ {Zdoe

53 {Qà 2 {bIVmo§ _o§ nmañn{aH H«$m°g-hmopëS§½g

54 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho gm_mÝ` eoà _o§ {deof {Zdoe H$m nmÌ em°Q©nmo{OeZ {Zdb, Ohm§ ~¢H H$m g§ñWm Ho Omar eoà ny§Or (10% H$r àma§{^H gr_m go A{YH am{e) Ho 10% go A{YH H$m ñdm{_Ëd Zht h¡.

-

55 ~¢qH$J, {dÎmr` Am¡a ~r_m g§ñWmE§, Omo {d{Z`m_H g_oH$Z Ho Xmào go ~mha h¡, Ho gm_mÝ` eoà _o§ _hËdnyU© {Zdoe H$m nmÌ em°Q©nmo{OeZ {Zdb -

56 amîQ—r` {d{eîQ {d{Z`m_H g_m`moOZ (56H$+56I)

56H {Og_o§ go… J¡a-g_o{H$V ~r_m ghm`H H§$n{Z`mo§ Ho {Qà 2 ny§Or _o§ {Zdoe

56I {Og_o§ go… ~hw_V Ho ñdm{_Ëd dmbr {dÎmr` g§ñWmAmo§ Ho {Qà 2 ny§Or _o§ H$_r {OZH$mo ~¢H Ho gmW g_o{H$V Zht {H$`m J`m h¡

57 {Qà 2 ny§Or _o§ Hw$b {d{Z`m_H g_m`moOZ -

58 {Qà 2 ny§Or (Qr 2) 1662.56

59 Hw$b ny§Or (Qr.gr. = Qr1+Qr2)(45+58J) 8088.12

60 Hw$b Omo{I_ ^m{aV AmpñV`m§ (60H$+60I+60J) 72955.55

60H {Og_o§ go : Hw$b H«o${SQ Omo{I_ ^m{aV AmpñV`m§ 59060.59

60I {Og_o§ go : Hw$b ~mOma Omo{I_ ^m{aV AmpñV`m§ 7770.83

60J {Og_o§ go : Hw$b n{aMmbZ Omo{I_ ^m{aV AmpñV`m§ 6124.13

ny§Or AZwnmV 61 gm_mÝ` B©p¹Qr {Qà 1 (Omo{I_ ^m{aV AmpñV`mo§ Ho à{VeV Ho ên _o§) 8.81%

62 {Qà 1 (Omo{I_ ^m{aV AmpñV`mo§ Ho à{VeV ên _o§) 8.81%

63 Hw$b ny§Or (Omo{I_ ^m{aV AmpñV`mo§ Ho à{VeV Ho ên _o§) 11.09%

64 g§ñWm {d{eîQ ~’$a Anojm (Ý`yZV_ gr.B©.Qr. 1 Anojm Am¡a ny§Or g§ajU Am¡a à{VMH«$s` ~’$a AnojmE§, Omo{I_ ^m{aV AmpñV`mo§ Ho à{VeV Ho ên _o§ ì`º)

65 {Og_o§ go : ny§Or g§ajU ~’$a AnojmE§ 1.875%

66 {Og_o§ go… ~¢H {d{eîQ à{VMH«$r` ~\ a AnojmE§

67 {Og_o§ go : Or-Eg.AmB©.~r. ~’$a AnojmE§

68 ~\ a Anojm nyam H$aZo Ho {bE CnbãY gm_mÝ` B©p¹Qr {Qà 1 (Omo{I_ ^m{aV AmpñV`mo§ Ho à{VeV Ho ên _o§ 3.31 %

amîQ—r` Ý`yZV_ (~ogb III go {^Þ hmo Vmo)

69 amîQ—r` gm_mÝ` B©p¹Qr {Qà 1 Ý`yZV_ AZwnmV (`{X ~mgob Ý`yZV_ go {^Þ hmo Vmo) 5.50 %

70 amîQ—r` Q>rà 1 Ý`yZV_ AZwnmV (`{X ~ogb Ý`yZV_ go {^Þ hmo Vmo) 7.00 %

71 amîQ—r` Hw$b ny§Or Ý`yZV_ AZwnmV (`{X ~ogb Ý`yZV_ go {^Þ hmo Vmo) 9.00 %

H$Qm¡Vr Ho {bE A{YH$V_ gr_m Ho ZrMo H$r am{e (Omo{I_ ^ma go nhbo )72 AÝ` {dÎmr` g§ñWmAmo§ H$r ny§Or _o§ J¡a-_hËdnyU© {Zdoe

73 {dÎmr` g§ñWmAmo§ Ho gm_mÝ` ñQm°H _o§ _hËdnyU© {Zdoe bmJy Zht

74 _mQ©JoO g{d©qgJ amBQ²g (g§~§{YV H$a Xo`Vm H$m {Zdb) bmJy Zht

75 AñWm`r {^ÞVmAmo§ go CËnÞ AmpñWJV H$a AmpñV`m§ (g§~§{YV H$a Xo`Vm H$m {Zdb)

{Qà 2 _o§ àmdYmZmo§ Ho em{_b {H$ò OmZo na bmJy gr_mE§ (H¡ ßg)76 _mZH$rH¥$V X¥pîQH$moU Ho AYrZ EŠgnmoOa Ho g§~§Y _o§ {Qà 2 ny§Or _o§ em{_b H$aZo hoVw nmÌ àmdYmZ (gr_m bmJy hmoZo go nyd©)

77 _mZH$rH¥$V X¥pîQH$moU Ho A§VJ©V {Qà 2 _o§ àmdYmZmo§ Ho em{_b {H$ò OmZo H$r gr_m (na H¡ n)

78 Am§V{aH aoqQJ AmYm{aV X¥pîQH$moU Ho AYrZ EŠgnmoOa Ho g§~§Y _o§ {Qà 2 ny§Or _o§ em{_b H$aZo hoVw nmÌ àmdYmZ (gr_m bmJy hmoZo go nyd©)

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H$m Cn`moJ ~¢H Ûmam Ho db ^maVr` {aµOd© ~¢H (~¢qH$J n{aMmbZ Am¡a {dH$mg {d^mJ) H$r nyd© AZw_{V boH$a hr {H$`m Om gH$Vm h¡.

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Hy$nZ / ã`mO Xa 9.23% à.d. Xo` ã`mO dm{f©H Xo` ã`mO {XZm§H à{Vdf© 1 Aà¡b H$mo gyMr~ÕVm ZoeZb ñQm°H EŠgMo§O Am°\ B§{S`m {b{_QoS (EZ.Eg.B©.) Ho g§dJ© WmoH G$U ~mOma (Sãë`w.Sr.E_.) _o§ eoàmo§ H$r

àñVm{dV gyMr~ÕVm.Ý`mgr Am°b~¢H \ m`ZmÝg {b.{ZjonmJma ZoeZb {gŠ`w{a{QO {Snmo{OQar {b. Am¡a goÝQ—b {Snmo{OQar g{d©gog (B§{S`m) {b. {aH$mS© VmarI àËòH Xo` ã`mO H$r VmarI, H«$¶ {dH$ën {Z`V VmarI Am¡a _moMZ VmarI go 15 {XZ nyd© (`m Eogr H$moB© Ad{Y

{Ogo go~r/ ñQm°H EŠgMo§O/ AÝ` H$moB© g§~§{YV {d{Z`m_H àm{YH$mar H$ho§) a{OñQ—ma eoààmo g{d©gog (B§{S`m) àm. {b.{ZJ©_ H$m ~¢H$a XoZm ~¢H$, H° {nQb _mHo© Q emIm, _w§~B© AmdoXZ YZ na ã`mO Amd§QZ H$r _mZr JB© VmarI go EH {XZ nhbo VH Ama.Qr.Or.Eg. Ho _mÜ`_ go àmßV AmdoXZ YZ H$r dgybr VmarI

VH Hy$nZ Xa na (AWm©V 9.23% à.d.) go ã`mO {ZnQmZ ã`mO H$m ^wJVmZ Am¡a _yb YZ H$m nwZ^w©JVmZ MoH (MoH$mo§)/ _moMZ dma§Q (dma§Qmo§)/ _m§J S—mâQ (S—mâQmo§)/ BboŠQ—mo{ZH

_mÜ`_ (EZ.B©.E\ .Qr./ Ama.Qr.Or.Eg.) Ûmam {H$`m OmEJmA{^XmZ H$m ên "XoZm ~¢H$" Ho ImVm "111511023771", emIm… "H¡ {nQb _mHo© Q ~Œm§M", AmB©.E\ .Eg.gr. H$moS

"BKDNO401115" _o§ Ama.Qr.Or.Eg. à{H«$`m Ho O{aE {Z{Y`mo§ H$m BboŠQ—mo{ZH A§VaU {H$`m OmEJm.{ZJ©_ ewê hmoZo H$r VmarI ^ 18 OyZ, 2012 {ZJ©_ ~§X hmoZo H$r VmarI ^ 22 OyZ, 2012 O_m VmarI ^ 18 OyZ, 2012 go 22 OyZ, 2012 Amd§QZ H$r _mZr VmarI ^ 25 OyZ, 2012

^ ~¢H {ZJ©_ H$mo ewê H$aZo/ ~§X H$aZo/ O_m VmarI (VmarImo§) _o§ {~Zm H$moB© H$maU ~VmE/ Zmo{Qg {XE n{ad{V©V (nhbo/ ~mX _o§) H$aZo H$m AnZm nyU© Ed§ EH$m{YH$ma gwa{jV



aIVm h¡. Bg àH$ma Ho àH$aU _o§, ~¢H Ûmam {ZdoeH$mo§ H$mo g§emo{YV g_` AZwgyMr H$r OmZH$mar Xr OmEJr. ~¢H {~Zm H$moB© Zmo{Qg {XE Amd§QZ H$r _mZr JB© ~hwb VmarI (VmarIo§) aIZo H$m AnZm EH$m{YH$ma Ed§ nyU© {ddoH$m{YH$ma gwa{jV aIVm h¡.

grarO XIII Qrà II ~m§S

eV©nÌ {ZJ©_ H$m {ddaU

OmarH$Vm© XoZm ~¢H ("~¢H$" / "OmarH$Vm©") {bIV H$m àH$ma AàË`m^yV{bIV {S~o§Ma ("~mÊS") Ho ên _o§ AàË`m^yV à{VXo` J¡a-g§n{adV©Zr` AZwnmbZH$Vm© {Qà ~mÊS²g (grarO -XIII). g§n{adV©Zr`Vm J¡a-g§n{adV©Zr` ~mÊS grarO XIII

gwajm Zm_ XoZm ~¢H {Qà ~mÊSg {ZJ©_ grarO ên Am¡a ~mÊS H$r àmpñW{V ~mÊSYmaH$mo§ Ho Xmdo (I) {Qà 1 ny§Or _o§ em{_b H$aZo Ho {bE nmÌ {bIVmo§ _o§ {ZdoeH$mo§ Ho Xmdo go Cna, (II) ~¢H

Ho g^r O_mH$Vm©Amo§ VWm gm_mÝ` boZXmamo§ Ho Xmdmo§ go {ZåZ VWm (III) ~mÊS Zm Vmo à{V^yV hmo§Jo Zht OmarH$Vm© H$r Jma§Qr `m g§~§{YV H§$nZr Ûmam gwa{jV hmo§Jo `m AÝ` ì`dñWm Omo ~¢H Ho boZXmamo§ H$r VwbZm _o§ Xmdo H$r d{aîRVm {d{YH ên go `m Am{W©H ên go ~TmVr hmo, hmoJr

{ZJ©_ Ho CÔoí` {Qà 2 ny§Or H$mo ~TmZm Am¡a ~¢H H$r g_ñV ny§Or n`m©ßVVm H$mo _O~yVr àXmZ H$aZo Am¡a CgHo XrKm©d{Y óMQVmo§ H$mo ~TmZo Ho {bE

àmßV am{e Ho Cn`moJ {H$E OmZo H$m {ddaU {ZJ©_ Ho CÔoí`mo§ H$mo àmßV H$aZo Ho {bE {ZJ©_ go àmßV am{e H$m Cn`moJ {H$`m OmEJm {ZJ©_ H$m T§J àmBdoQ ßbog_o§Q gyMr~ÕVm (Ohm§ gyMr~Õ {H$E OmE§Jo CZ ñQm°H EŠgMo§O (EŠgMo§Omo§) Ho Zm_g{hV gyMr~ÕVm H$r g_` aoIm)

ZoeZb ñQm°H EŠgMo§O Am°\ B§{S`m {b{_QoS ("EZ.Eg.B©.") Ho g§dJ© WmoH G$U ~mOma (Sãë`w.Sr.E_.) _o§ eoàmo§ H$r àñVm{dV gyMr~ÕVm.

{ZJ©_ H$m AmH$ma 780 H$amo‹S AË`{^XÎm H$mo amoH aIZo H$m {dH$ën bmJy Zht HŒo {SQ aoqQJ Ho Aa Ûmam "Ho$Aa EE+" (H$hm OmEJm S~b E ßbg) Hy$nZ aoQ 9.86%Hy$nZ Xo` Amd¥{Îm dm{f©H$Hy$nZ H$m àH$ma {Z`V Hy$nZ Xo` VmarIo§ Hy$nZ/ Xo` ã`mO VmarI Amd§QZ H$r VmarI AWm©V àËòH {dÎmr` df© H$r 26 \ adar hmoJr. A§{V_ Xo` ã`mO

_moMZ H$r VmarI na {X`m OmEJm. Hy$nZ nwZ{Z©Ym©aU à{H«$`m (Xao§, {dñVma, à^mdr VmarI, ã`mO Xa CÀMV_ Ed§ Ý yZV_

bmJy Zht

{XZ JUZm AmMYma dmñV{dH$/ dmñV{dH (go~r Ho {XZm§H 29 Aºy~a 2013 Ho n{anÌ g§. CIR/IMD/DF/18/2013 {XZm§H 29 AŠQy~a 2013)

d¥{Õerb/ ñQon SmCZ Hy$nZ Xa bmJy Zht



AmdoXZ YZ na ã`mO g§~§{YV Hy$nZ Xa (Am`H$a A{Y{Z`_ 1961, Ho àmdYmZmo§ Ho A§VJ©V Am`H$a H$r H$Qm¡Vr Ho AYrZ), `m bmJy {H$gr r d¡Ym{ZH g§emoYZ m nwZ{Y©{Z`_ Ho A§VJ©V g^r AmdoXZH$Vm©Amo§ H$mo ~mÊSmo§ Ho AmdoXZ YZ na ã`mO H$m ^wJVmZ {H$`m OmEJm. Bg àH$ma Ho ã`mO H$m ^wJVmZ MoH (MoH$mo§)/ _m§J S—mâQ (S—mâQmo§) H$r dgybr H$r VmarI Am¡a Ama.Qr.Or.Eg./ AÝ` {H$gr BboŠQ—m{ZH A§VaU Ho gmYZ Ho àH$aU _o§ Amd§QZ H$r _mZr JB© VmarI go {ZYr Ho àmßV hmoZo Ho EH {XZ nhbo VH H$m ã`mO H$m ^wJVmZ {H$`m OmEJm.

AmdoXZ YZ na ã`mO H$r JUZm dmñV{dH$/ dmñV{dH {XZ JUZm n{anmQr Ho AmYma na H$r OmEJr. Bg àH$ma H$r ã`mO H$m ^wJVmZ g^r d¡Y AmdoXZmo§ {OZ_o§ dm{ng H$r OmZo dmbr am{e ^r em{_b h¡ na {H$`m OmEJm. Ohm§ nyar A{^XmZ am{e H$mo dm{ng {H$`m OmZm h¡, {a\§ S Am°S©a Ho gmW AmdoXZ YZ na ã`mO H$m ^wJVmZ ^r {H$`m OmEJm. Ohm§ AmdoXZH$Vm© Ûmam Amdo{XV ~m§Smo§ H$r g§»`m go H$_ ~m§Smo§ H$m Amd§QZ {H$`m OmVm h¡ Vmo dm{ng H$r OmZo dmbr A{V{aº am{e Ho gmW ã`mO H$m ^wJVmZ ^r {H$`m OmEJm. AmdoXZ YZ H$r ã`mO na bmJy Xa go óMQV na H$a H$r H$Qm¡Vr (Qr.Sr.Eg.) H$r OmEJr.

MyH ã`mO Xa bmJy Zht hm{Z AdemofH$Vm ~m§S G$U ny§Or {bIVmo§ H$mo {Q`a ny§Or (AZw~§Y 5) VWm (nr.Amo.EZ.dr.) AZwnbãYVm H$r pñW{V _o§ g^r J¡a-

B©p¹Qr {d{Z`m_H ny§Or {bIVmo§ VWm nyd©{Z{X©îQ CËàoaH H$r pñW{V _o§ A{V{aº {Q`a {bIVmo§ H$r hm{Z AdemofH$Vm gw{Z{üV H$aZo Ho {bE ~ogb ny§Or {d{Z`m_H _mZX§Smo§ Ho ~mao _o§ Ama.~r.AmB©. Ho _mñQa n{anÌ g§. Sr.~r.Amo.Sr. g§. ~r.nr.~r.gr.2/ 21.06.201/ 2013-14 {XZm§H 1 OwbmB© 2013 Ho AZwgma J¡a-B©p¹Qr ny§Or {bIVmo§ Ho {bE bmJy hm{Z AdemofH$Vm H$r eV© na hmo§Jo. (AZw~§Y 16)

VXZwgma, {Q—Ja Bdo§Q {Ogo Aì`dhm`©Vm q~Xw H$hm OmVm h¡ Ho hmoZo na ^m.{a.~¢. Ho {dH$ën na ~m§Smo§ H$mo `m Vmo ñWm`r ên go ~Åo ImVo Smbm OmEJm `m AñWm`r ên go ~Åo ImVo Smbm OmEJm. nr. Amo.EZ.dr. {Q—Ja Bdo§Q, ^m.{a.~¢. Ho Cn`w©º n{anÌ _o§ n{a^m{fV AZwgma hmoJm Am¡a ^m.{a.~¢. Ûmam {ZYm©{aV {H$`m OmEJm.

{Xdm{b`m/ n{ag_mnZ _o§ ì`dhma {Xdm{b`m Am¡a n{ag_mnZ H$r pñW{V H$mo Nmo‹SH$a ~m§SYmaH$mo§ H$mo ^{dî` _o§ {ZYm©{aV ^wJVmZ (Hy$nZ `m _yb) Ho nwZ^w©JVmZ _o§ VrdŒVm bmZo H$m ~m§SYmaH$mo§ H$mo H$moB© A{YH$ma Zht hmoJm.



nr.Amo. EZ.dr. {Q—Ja ~m§S, ^maVr` {aµOd© ~¢H Ho {dH$ën na {Q—Ja Bdo§Q, {Ogo Aì`dhm`©Vm q~Xw ("nr. Amo.EZ.dr. {Q—Ja") H$hm J`m Ho hmoZo na AñWm`r Ad{b{IV `m ñWm`r én go ~Åo ImVo Smbm OmEJm.nr. Amo.EZ.dr. {Q—Ja Bdo§Q {ZåZ _o§ go nhbo hmoJm…

H$. m.{a.~¢. Ûmam O¡gm {H {ZYm©{aV {H$`m J`m h¡ AñWm`r/ ñWm`r ~Åo ImVo SmbZo H$m {ZU©` Amdí`H h¡ {OgHo {~Zm ~¢H J¡a-AW©j_ hmo OmEJm ; Am¡a

I. O¡gm {H gwg§JV àm{YH$mar Ûmam {ZYm©{aV {H$`m J`m h¡ g_H$j g_W©Z `m ny§Or H$m gmd©O{ZH joÌ A§Vdo©eZ H$aZo H$m {ZU©`, {~Zm BgHo ~¢H J¡a-AW©j_ hmo J`m hmoVm. {Q—Ja Bdo§Q Ho hmoZo Ho n{aUm_ ñdên ~Åo ImVo SmbZm {H$gr ny§Or Ho gmd©O{ZH joÌ A§VdoeZ H$aZo go nyd© hmoJm {Oggo {H gmd©O{ZH joÌ Ûmam CnbãY H$amB© JB© ny§Or AHw$eb Z hmo OmE. Bg à`moOZ Ho {bE EH J¡a-AW©j_ ~¢H hmoJr…

~¢H$, Omo CgH$r {dÎmr` Ed§ AÝ` H${RZmB`mo§ Ho H$maU, ^maVr` {aµOd© ~¢H H$r am` _o§ ñd § Ho ~b na Am¡a AmJo H$m ©erb g§ñWm Ho én _o§ Z aho O~ VH Ho CgHo n{aMmbZ H$mo nwZ{O©{dV H$aZo Ho {bE Cn wº Cnm` Z {H$E OmE Am¡a Bg àH$ma Bgo H$m ©erb g§ñWm Ho ên _o§ g_W© {H$`m OmE. ~¢H Ûmam H$r Om ahr H${RZmB`mo§ H$m gm_Zm Eogr hmo§Jt {OZHo \ bñdên Am{W©H hm{Z hmoJr Am¡a ~¢H H$r gm_mÝ` B©p¹Qr {Q`a 1 ny§Or H$mo OwQmZm ~¢H H$mo AW©j_ hmoZo go amoH$Zo Ho {bE g~go Cn wº VarH$m _mZm OmEJm. Bg àH$ma Ho Cnm` ^maVr` {aµOd© ~¢H Ûmam Cn wº _mZo OmZo dmbo AÝ` Cnm`mo§ Ho {~Zm, Bg àH$ma Ho Cnm` _o§ AÝ` Cnm o§ Ho gmW `m CZHo {~Zm AñWm`r Am¡a/ `m ñWm`r ~Åo ImVo SmbZm hmoJm.

H$moB© ~¢H {dÎmr` H${RZmB`mo§ H$m gm_Zm H$a ahr hmo Am¡a nr.Amo.EZ.dr. H$mo AJ«ga hmo Cgo ^maVr` {aµOd© ~¢H H$r am` _o§ EH g_w{MV g_` Ho A§Xa `{X dh AW©j_Vm àmßV H$a bo; `{X Cgo nwZ{O©{dV H$aZo Ho {bE g_w{MV Cnm` {H$E OmE dh dV©_mZ H${RZ n{apñW{V`mo§ go ~mha AmZo _o§ g_W© hmoJr. Cnm` {OZ_o§ AñWm`r/ ñWm`r ~Åo ImVo SmbZm/ {Z{Y H$m gmd©O{ZH joÌ A§Vdo©fU {H$`m OmZm em{_b h¡…

H$. O_mH$Vm©Amo§/ {ZdoeH$mo§ Ho {dœmg H$mo nwZ…àmßV {H$`m OmZm;

I. ~¢H H$r aoqQJ/ G$U-nmÌVm H$mo CÞV H$aZm Am¡a CgHo Ûmam CYmaj_Vm VWm VabVm H$mo CÞV H$aZm Am¡a {Z{Y`mo§ H$r bmJV H$mo H$_ H$aZm; Am¡a

J. ZB© {Z{Y`mo§ H$mo A§Vdo©eZ H$aZo Ho _m_bo _o§ {Z{Y VwbZnÌ d¥{Õ Ho AmYma Ho MQV H$mo ~TmZm.n{an¹Vm H$mb Amd§QZ H$r _mZr VmarI go 10 df© _moMZ/ n{an¹Vm VmarI (VmarIo§) 26/02/2024_moMZ H$r_V ` 10,00,000 (` Xg bmI) à{V ~m§S g__yë` na _moMZ àr{_`_/ ~Åm bmJy Zht A§{H$V _yë` ` 10,00,000 (` Xg bmI) à{V ~m§S {ZJ©_ na àr{_`_/ ~Åm bmJy Zht Omar H$aZo H$m _yë` ` 10,00,000 (` Xg bmI) à{V ~m§SÝ`yZV_ AmdoXZ VVnümV G$U à{V^y{V`mo§ Ho JwUm§H _o§

1 ~m§S VWm CgHo nümV 1 ~m§S Ho JwUH _o§

{bIV Omar H$aZo H$m T§J Ho db Sr_oQ {bIV H$m ì`mnma H$aZo H$m T§J Ho db Sr_oQ NyQ {Og na à{V^y{V Omar H$r JB© Am¡a Eogr NyQ Ho ~mX à^mdr Am`.

bmJy Zht

{dH«$¶ {dH$ën VmarI bmJy Zht {dH«$¶ {dH$ën H$r_V bmJy Zht H«$` {dH$ën VmarI bmJy Zht H«$` {dH$ën H$r_V bmJy Zht {dH«$¶ A{YgyMZm g_` bmJy Zht H«$` A{YgyMZm g_` bmJy Zht



AdamoY Ad{Y bmJy Zht Amd§QZ H$m AmYma (`{X H$moB© hmo) OmarH$Vm© Ho nmg `h A{YH$ma gwa{jV h¡ {H dh H$moB© H$maU ~VmE {~Zm, Omo H$moB© ^r hmo, AnZo {ddoH na {H$gr

^r / g^r AmdoXZmo§ H$mo nyU©V… `m A§{eH ên go aÔ H$a Xo.H$mamo~ma {Xdg Ad{Y H$mamo~ma {XZ dh {XZ hmoJm {Og {XZ dm{UpÁ`H ~¢H _w§~B© ZJa _o§ H$mamo~ma Ho {bE Iwbo aho§Jo.

1. {X {H$gr ã`mO H$m ^wJVmZ Eogo {XZ n‹SVm h¡ Omo H$mamo~ma {XZ Zht h¡ (H$mamo~ma {XZ dh {XZ h¡ {Og {XZ dm{UpÁ`H ~¢H _w§~B© ZJa _o§ H$mamo~ma Ho {bE Iwbo h¢), V~ ã`mO H$m ^wJVmZ AJbo {XZ AWm©V H$mamo~ma {XZ H$mo ~rM H$r Ad{Y Ho {bE ã`mO Ho gmW {H$`m OmEJm.

2. {X _yb am{e Ho ^wJVmZ H$m {XZ Eogo {XZ n‹SVm h¡ Omo H$mamo~ma {XZ Zht h¡ (H$mamo~ma {XZ dh {XZ h¡ {Og {XZ dm{UpÁ`H ~¢H _w§~B© ZJa _o§ H$mamo~ma Ho {bE Iwbo h¢), V~ Xo` wJVmZ nyd© H$m`© {Xdg H$mo {H$`m OmEJm.

ã`mO Am¡a / `m _yb am{e H$m ^wJVmZ {db§~ H$r Ad{Y Ho {bE ã`mO Ho ^wJVmZ H$r {~Zm {H$gr Xo`Vm H$r eV© na h¡.

{aH$moS© VmarI ã`mO ^wJVmZ / _yb H$r MwH$m¡Vr Ho {bE g§X^© VmarI, g§~§{YV ã`mO ^wJVmZ H$r VmarI {Og {XZ ã`mO `m ^wJVmZ/ n{an¹Vm H$r aH$_ ^wJVmZ Ho {bE Xo` h¡, go 15 {XZ nhbo hmoJr. `{X {aH$mS© VmarI Eogo {XZ n‹SVr h¡ Omo H$mamo~ma {XZ Zht h¡, AJbm H$mamo~ma {XZ {aH$mS© VmarI _mZr OmEJr.

{bIV H$m {ZnQmZ H$m VarH$m ã`mO H$m wJVmZ VWm _yb H$r MwH$m¡Vr grYo O_m /EZ.B©.gr.Eg. /Ama.Qr.Or.Eg./ EZ.B©.E\ .Qr. à{H«$`m Ûmam O_m H$aHo {H$`m OmEJm.

{ZjonmJma ZoeZb {gŠ`w{a{QO {Snmo{OQar {b. Am¡a goÝQ—b {Snmo{OQar g{d©gog (B§{S`m) {b.à{V^y{V (Ohm§ H$ht bmJy hmo) ~m§Smo§ H$r àH¥ {V J¡a-O_mZVr àH$ma H$r h¡. boZ-XoZ XñVmdoO OmarH$Vm© {ZJ©_ Ho g§~§Y _o§ XñVmdoO Omar H$aoJm {Og_o§ {ZåZ{b{IV XñVmdoO ^r em{_b hmo§Jo bo{H$Z dh BZ VH hr

gr{_V Zht hmo§Jo…

1. ~m§SYmaH$mo§ H$mo Ý`mgr {Z`wº H$aZo H$m nÌ

2. ~m§S/ {S~o§Ma Ý`m{gVm H$ama;

3. Ho$Aa {b{_QoS Ho gmW aoqQJ H$ama;

4. OmarH$Vm©, a{OñQ—ma VWm EZ.Eg.Sr.Eb. Ho ~rM ~m§Smo§ H$mo ~oH$mJOrH¥$V ên _o§ Omar H$aZo Ho {bE {Ìnjr` H$ama;

5. OmarH$Vm©, a{OñQ—ma VWm gr.Eg.Sr.Eb. Ho ~rM ~m§Smo§ H$mo ~oH$mJOrH¥$V ên _o§ Omar H$aZo Ho {bE {Ìnjr` H$ama;

6. a{OñQ—ma H$m {Z`w{º nÌ VWm OmarH$Vm© Am¡a a{OñQ—ma Ho ~rM {H$`m J`m H$ama;

7. {ZJ©_ H$m/ Ho ì`dñWmnH Omar H$aZo H$m nÌ;

8. EZ.Eg.B©. Ho gmW gyMr~ÕVm H$ama.~m§Smo§ H$m A{^XmZ H$aZo go nyd© nyU© H$r OmZo dmbr eVoª

OmarH$Vm© Ûmam {ZdoeH$mo§ go Amd§QZ Ho {bE A{^XmZ {ZåZ{b{IV H$r eV© na ñdrH$ma {H$`o OmE§Jo…

1. Cn`w©º aoqQJ EOo§{g`mo§ go aoqQJ Ho nÌ {ZJ©_ IwbZo H$r {V{W go EH _hrZo go A{YH nwamZo Zht hmoZo Mm{hE;

2. ~m§SYmaH$mo§ Ho {bE Ý`mgr Ho ên _o§ H$m`© H$aZo Ho {bE Ý`m{g`mo§ Ûmam CZH$r gh_{V gy{MV {H$E OmZo H$m nÌ;

3. ~m§Smo§ H$mo gyMr~Õ VWm ì`mnma H$aZo Ho {bE CZH$m g¡Õm§{VH AZw_moXZ àmßV H$aZo Ho {bE EZ.Eg.B©. H$mo nÌ.



~m§Smo§ H$m A{^XmZ H$aZo Ho nümV nyU© H$r OmZo dmbr eVoª

OmarH$Vm© `h gw{Z{üV H$aoJm {H Bg àH$QZ XñVmdoO _o§ AÝ` {H$gr ^r ñWmZ na {b{IV g_` gr_m Ho AZwgma {ZåZ{b{IV XñVmdoO {Zînm{XV {H$E OmE/ {H«$`mH$bmn nyao {H$`o OmE§:

1. Amd§{Q`mo§ Ho Sr_oQ ImVo _o§ Amd§{QV ~m§Smo§ H$r g§»`m Amd§QZ H$r _mZr JB© VmarI go 2 {XZ Ho A§Xa O_m H$r OmZr Mm{hE;

2. go~r G$U {d{Z`_; H§$nZr A{Y{Z`_, 1956 (1956 H$m 1) H$r Ymam 73 H$r CnYmam 1 Ho AZwgma ~m§Smo§ Ho Amd§QZ H$r _mZr JB© VmarI go 15 {XZ Ho A§Xa EZ.Eg.B©. H$mo gyMr~Õ H$aZo Ho {bE AmdoXZ H$aZm VWm ~m§Smo§ Ho Amd§QZ H$r _mZr JB© VmarI go 20 {XZ Ho A§Xa gyMr~Õ H$aZo H$r AZw_{V _m§JZm.

3. Z Vmo ~¢H Am¡a Z hr H$moB© g§~§{YV nmQr© {Og na ~¢H H$m {Z`§ÌU `m _hËdnyU© à^md (O¡go {H g§~§{YV boIm _mZH$mo§ Ho A§VJ©V n{a^m{fV h¡) hmo, ~m§S IarXoJm, Zm hr ~¢H àË`j `m AàË`j ên _o§ ~m§Smo§ H$r IarX Ho {bE {Z{Y`m§ CnbãY H$am`oJm. ~¢H CgHo Ûmam Omar ~m§Smo§ H$r à{V^y{V na A{J«_ ^r ñdrH¥ V Zht H$aoJm.

4. BgHo A{V{aº OmarH$Vm© Bg àH$QZ XñVmdoO _o§ {b{IV g^r {H«$`mH$bmn H$aoJm, Mmho dh A{Zdm`© hmo `m AÝ`Wm hmo.

A{V{aº n{ag§{dXmE§ gyMr~Õ hmoZo _o§ {db§~ : OmarH$Vm© Amd§QZ H$r _mZr JB© VmarI go 15 {XZ Ho A§Xa g^r Am¡nMm{aH$VmE§ nyar H$aoJm Am¡a gyMr~Õ H$aZo H$r AZw_{V _m§JoJm. ~m§Smo§ H$mo gyMr~Õ H$aZo _o§ Amd§QZ H$r _mZr JB© VmarI go 20 {XZ go A{YH H$m {db§~ hmoZo na, OmarH$Vm© Amd§QZ H$r _mZr VmarI go 30 {XZ H$r Ad{Y nyao hmoZo H$r {V{W go ~m§Smo§ Ho gyMr~Õ hmoZo H$r VmarI VH ~m§SYmaH$/YmaH$mo§ H$mo Hy$nZ Xa go A{YH 1.00% Xm§{SH ã`mO wJVmZ H$aoJm.

gyMr~Õ H$aZo H$r AZw_{V Z {_bZm : `{X Amd§QZ H$r _mZr JB© VmarI go 20 {XZ H$r Ad{Y g_mßV hmoZo go nyd© gyMr~Õ H$aZo H$r AZw_{V Zht Xr OmVr h¡ Vmo OmarH$Vm© àH$QZ XñVmdoO Ho AZwgaU _o§ AmdoXH$mo§ go àmßV g^r YZ am{e`m§, Amd§QZ H$r _mZr JB© VmarI go 20 {XZ H$r Ad{Y g_mßV hmoZo H$r VmarI go Hy$nZ Xa Ho A{V{aº 1.00% à{Vdf© Xm§{SH ã`mO Ho gmW, dmng H$aoJm. `{X Eogr YZ am{e`m§ OmarH$Vm© Ûmam Xo hmoZo Ho ~mX 8 {XZ Ho A§Xa (AWm©V AZw_{V Z {_bZo H$r VmarI go `m Amd§QZ H$r _mZr JB© VmarI go 20 {XZ, Omo ^r nhbo hmo) wJVmZ Zht H$r OmVr h¡, Vmo OmarH$Vm© Am¡a OmarH$Vm© g§ñWm H$m àË oH {ZXoeH Omo {H CgH$m EH MyH$H$Vm© A{YH$mar h¡, 8 {XZ H$r Ad{Y g_mßV hmoZo H$r {V{W go AmdoXZ YZ na 15% à{Vdf© H$r Xa go ã`mO Ho gmW g§ wº ên _o§ Am¡a EH$b ên _o§ wJVmZ H$aZo Ho {bE {Oå_oXma hmoJm O¡go {H H§$nZr A{Y{Z`_, 1956 H$r Ymam 76 Ho A§VJ©V C„oI {H$`m J`m h¡.

à{VMyH bmJy Zht {S~o§Ma Ý`mgr H$r y{_H$m Am¡a {Oå_oXm{a`m§ Ý`mgr AnZo H$V©ì`mo§ Am¡a Xm{`Ëdmo§ H$m {Zdm©h H$ao§Jo ~m§SYmaH$mo§ Ûmam Ý`m{g`mo§ _o§ {H$E JE {dœmg Ho AZwgma AnZo A{YH$mamo§ Am¡a

{ddoH H$m Cn`moJ Am¡a AmMaU H$ao§Jo Am¡a bmJy {d{Y`mo§ Ho àmdYmZmo§ H$m AZwnmbZ H$ao§Jo, ~eVo© H$r ^maVr` Ý`mgr A{Y{Z`_, 1882 H$r Ymam 20 Ho àmdYmZ Ý`m{g`mo§ na bmJy Zht hmo. Ý`mgr AnZo H$V©ì` Am¡a H$m`moª H$m {ZînmXZ d¡go hr H$ao§Jo O¡go {H CÝho§ AnZo Xm{`Ëdmo§ H$m {Zdm©hZ go~r G$U {d{Z`_, ^maVr` à{V y{V VWm {d{Z_` ~moS© ({S~o§Ma Ý`mgr) {d{Z`_ 1993, {S~o§Ma Ý`m{gVm H$ama, àH$QZ XñVmdoO VWm AÝ` boZ-XoZ g§~§Yr XñVmdoOmo§ Ho AZwgma Amdí`H gmdYmZr gyÂm~yÂm Am¡a {ZîRm Ho AZwgma H$aZm h¡.

Ý`m{g`mo§ H$mo ~m§SYmaH$mo§ Ho {hVmo§ H$r ajm Ho {bE Ano{jV A{YH$ma {XE OmE§Jo {Og_o§ ~m§Smo§ Ho g§ñWmJV YmaH$mo§ Ho nam_e© go OmarH$Vm© Ho ~moS© _o§ Zm{_Vr {ZXoeH H$mo {Z wº H$aZo H$m A{YH$ma ^r em{_b hmoJm bo{H$Z `h Bgr VH gr{_V Zht ahoJm. Ý`mgr g^r KQZmAmo§ H$m àH$QZ {Za§Va ên _o§ gw{Z{üV H$ao§Jo.

OmarH$Vm© ~m§Smo§ Ho wJVmZ VH$, go~r Ûmam CZHo `Wmg§emo{YV n{anÌ g§»`m go~r/ AmB©.E_.Sr./ ~m§S/ 1/2009/11/05 {XZm§H 11 _B©, 2009 Ûmam Omar gabrH¥$V gyMr~ÕVm H$ama _o§ {b{IV g_` gr_m Ho A§Xa, Ý`m{g`mo§ H$mo AnZr AÚVZ boIm-nar{jV/ gr{_V g_rjm AY©dm{f©H g_o{H$V (Ohm§ H$ht CnbãY hmo) VWm AbJ AbJ ên _o§ {dÎmr` gyMZm O¡go bm^-hm{Z {ddaU, VwbZnÌ VWm ZH$Xr àdmh {ddaU Am¡a boIm-narjH$mo§ H$r eVoª, `{X H$moB© hmo§, àñVwV H$ao§Jo. BgHo A{V{aº OmarH$Vm© {dÎmr` df© g_mßV hmoZo Ho 180 {XZ Ho A§Xa, Ý`m{g`mo§ H$mo AÚVZ dm{f©H {anmoQ© H$r EH à{V àñVwV H$ao§Jo Am¡a Ý`mgr àñVwV H$r JB© {anmoQ© Ho {ddaU "`mo½`Vm àmßV g§ñWmJV IarXXmamo§ (Š y.AmB©.~r.) H$mo CZHo {d{eîQ AZwamoY na 2 {XZ Ho A§Xa àñVwV H$ao§Jo.

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bmJy Ama.~r. AmB©. {Xem{ZXoe ~m§S H$m dV©_mZ {ZJ©_ maVr` {aµOd© ~¢H Ûmam ~mgob ny§Or {d{Z`_mo§ Ho ~mao _o§ Omar _mñQa n{anÌ g§. Sr.~r.Amo.Sr. g§. ~r.nr.~r.gr.2/21.06.201/2013-14 {XZm§H 1 OwbmB© 2013 Ho AZwgaU _o§ h¡ {Og_o§ {Qà 2 ny§Or Ho ên _o§ G$U ny§Or {bIVmo§ H$mo em{_b H$aZo (AZw~§Y 5) VWm nyd© {Z{X©îQ {Q—Ja na A{V{aº {Qà 1 {bIVmo§ H$r hm{Z AdemofH$Vm gw{Z{üV H$aZo Ho {bE Ý yZV_ Amdí`H$Vm AmoQS VWm nr.Amo.EZ.dr. na g_ñV J¡a-B©p¹Qr {d{Z`m_H ny§Or {bIVmo§ (AZw~§Y 16) Ho g§~§Y _o§ h¡.

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{ZdoeH$mo§ Ho AnmÌ dJ© geV© {dXoer {ZdoeH$, {dXoer ZmJ{aH$, ^maV go ~mha ahZodmbo {Zdmgr, Omo{I_ ny§Or {Z{Y`m§, d¡H$pënH {Zdoe {Z{Y`m§, {dXoer H$mnmo©aoQ {ZH$m`, ^mJrXmamo§ Ho Zm_ na ^maV _o§ bmJy {d{Y`mo§ Ho AYrZ J{RV ^mJrXmar \ _©,H$Vm© Ho _mÜ`_ go qhXy A{d^m{OV n{adma, bmJy gm§{d{YH$/ {d{Z`m_H AnojmAmo§ Am{X Ho AYrZ g§{dXm Ho {bE AnmÌ ì`{º.

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~m§S H$r àH¥ {V Am¡a pñW{V ~m§S Z Vmo à{V^y{VV h¡ Am¡a Z hr OmarH$Vm© H$r Jma§Qr Ho gmW h¡ Am¡a Z hr g§~§{YV BH$mB© `m AÝ` ì`dñWm h¡ Omo H$mZyZr Vm¡a na `m Am{W©H ên go Omo OmarH$Vm© AÝ` boZXmamo§ H$r VwbZm _o§ ~m§Smo§ Ho YmaH$mo§ ("~m°ÝSYmaH$mo§") Ho Xmdo H$r d{aîRVm H$mo ~‹TmVr h¡. ~m°ÝSYmaH$, OmarH$Vm© Ho eoàYmaH$mo§ H$r {H$gr ^r ~¡RH Ho Zmo{Qg `m CnpñWV hmoZo `m dmoQ XoZo `m OmarH$Vm© Ho à~§YZ _o§ ^mJ boZo Ho hH$Xma Zht hmo§Jo.



{bIV/Xmdo H$r d{aîRVm ~m§S Ho g§~§Y _o§ ~m§SYmaH$mo§ Ho Xmdo hmoZm Mm{hE: i. Qrà 1 H¡ {nQb _o§ em{_b H$aZo Ho {bE nmÌ hmoZo dmbo {b{IVmo§ _o§ {ZdoeH$mo§ Ho Xmdmo§ Ho {bE d{aîR; ii. ~¢H Ho g^r O_mH$Vm©Amo§ Am¡a gm_mÝ` boZXmamo§ Ho Xmdmo§ Ho AYrZ; VWm iii. Z Vmo gwa{jV Am¡a OmarH$Vm© `m g§~§{YV BH$mB© `m AÝ` ì`dñWm H$r Jma§Qr Ûmam Z hr H$da {H$`m J`m h¡ Omo {H H$mZyZr iv. Vm¡a na `m Am{W©Hv. ên go ~¢H boZXmamo§ Ho Xmdmo§ H$r d{aîRVm H$mo ~‹TmVr h¡. {Xdm{b`mnZ Am¡a n{ag_mnZ H$r Xem H$mo Nmo‹SH$a ^{dî` _o§ {ZYm©{aV ^wJVmZ (Hy$nZ `m _ybYZ) Ho nwZ^w©JVmZ _o§ VoOr bmZo Ho {bE ~m°ÝSYmaH$mo§ Ho nmg H$moB© A{YH$ma Zht hmoJm. ~m°ÝSYmaH$mo§ Ho Xmdo Q_© erQ _o§ Cp„{IV "J¡a-AW©j_Vm q~Xw" (nrAmoEZdr) Ho àmdYmZmo§ Ho AYrZ hmo§Jo.

{ZJ©_ H$m VarH$m {ZOr ñWmnZ (àmBdoQ ßbog_¢Q)

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ZoeZb ñQm°H EŠgMo§O Am°\ B§{S`m {b{_QoS ('EZEgB©') Ho WmoH G$U ~mOma (SãbySrE_) goJ_o§Q na àñVm{dV

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AmdoXZ YZ na ã`mO * g§~§{YV Hy$nZ Xa na ã`mO (Am`H$a A{Y{Z`_, 1961 Ho àmdYmZmo§ Ho VhV Am`H$a H$r H$Qm¡Vr `m bmJy hmoZo dmbo {H$gr ^r d¡Ym{ZH g§emoYZ `m nwZ…A{Y{Z`_ Ho AYrZ) H$m ~m§Smo§ Ho {bE AmdoXZ YZ na g^r AmdoXH$mo§ H$mo ^wJVmZ {H$`m OmEJm. Bg Vah Ho ã`mO H$m ^wJVmZ MoH (H$mo§) / {S_m§S S—mâQ (Qmo§) H$r dgybr H$r VmarI go {H$`m OmEJm Am¡a AmaQrOrEg / BboŠQ—m°{ZH ã`mO A§VaU O¡go AÝ` {d{Y`mo§ Ho _m_bo _o§ {Z{Y H$r àmpßV H$r VmarI go EH {XZ nhbo Amd§QZ H$r _mZr JB© {V{W go ^wJVmZ {H$`m OmEJm AmdoXZ YZ na ã`mO H$r JUZm dmñV{dH / dmñV{dH {XZ H$r {JZVr Ho AmYma na H$r OmEJr. {aµ’§$S g{hV g^r _mÝ` AmdoXZmo§ na Bg Vah Ho ã`mO H$m ^wJVmZ {H$`m OmEJm. Ohm§ nyar A§eXmZ am{e dmng H$aZr hmo Cg Xem _o§ AmdoXZ am{e Ho gmW Cg YZ na ã`mO H$m ^wJVmZ gmW _o§ {H$`m OmEJm. Ohm§ AmdoXH H$mo AmdoXZ Ho _wH$m~bo H$_ ~m§S Amd§{QV {H$E OmVo h¢, AmdoXZ na ^wJVmZ H$r JB© A{V{aº am{e Am¡a Cg na ì`mO Ho gmW am{e dmng H$a Xr OmEJr. àmß` YZ am{e Am` na òmoV H$r bmJy Xa go Am`H$a (QrSrEg) H$mQ {b`m OmEJm.

MyH AXm`Jr ã`mO Xa bmJy Zht



hm{Z AdemofU ~m§S J¡a-Bp¹Qr ny§Or {b{IVmo§ Ho {bE bmJy hm{Z Adeof gw{dYmAmo§ Ho AYrZ Omar {H$E OmEJo§ {OZ na ~ogob III ny§Or {Z`_mo§ H$mo H$da H$aVo hwE {X. 01 OwbmB©, 2015 Ho Ama~rAmB© _mñQa n{anÌ g§. Sr~rAmoSr.g§.~rnr.~rgr.1 /21.06.201/2015-16, J¡a-AW©j_Vm Ho q~Xw na nyd©-{Z{X©îQ {Q—Ja na Am¡a g^r J¡a-Bp¹Qr {Z`m_H ny§OrJV {b{IVmo§ na hm{Z AdemofU gw{Z{üV H$aZo Ho {bE Qrà 2 H¡${nQb (AZwb¾H 5) Ho ên _o§ G$U ny§Or CnH$aUmo§ H$mo em{_b H$aZo Ho {bE _mnX§S Am¡a A{V{aº Qrà 1 CnH$aUmo§ Ho hm{Z AdemofU H$mo gw{Z{üV H$aZo Ho {bE Ý`yZV_ Amdí`H$VmE§ hmo§Jr ("nrAmoEZdr") (AZwb¾H 16).

VXZwgma, ~m§Smo§ H$mo Ama~rAmB© Ho {dH$ën na {Q—Ja B©do§Q na ~Åo ImVo {bIm Om gH$Vm h¡ {Ogo 'J¡a AW©j_Vm H$m q~Xw' (nrAmoEZdr) H$hm OmVm h¡. nrAmoEZdr {Q—Ja B©do§Q Ho ên _o§ nyd©dVr© Ama~rAmB© n{anÌ _o§ n{a^m{fV {H$`m OmEJm Am¡a Ama~rAmB© Ûmam {ZYm©{aV {H$`m OmEJm.

I) J¡a-AW©j_Vm Ho q~Xw na hm{Z AdemofU (nrAmoEZdr)

`{X H$moB© nrAmoEZdr {Q—Ja Bdo§Q (O¡gm ZrMo d{U©V h¡) hmoVm h¡, Vmo {ZåZmZwgma OmarH$Vm© H$aoJm : (I) Q—ñQr H$mo A{Ygy{MV;

(II) ~Åo ImVo {bIZo H$r VmarI na ~m§Smo§ na A{O©V Omo Hy$nZ hmo§ VWm {OZH$m ^wJVmZ Zht {H$`m J`m hmo aÔ H$ao§; VWm

(III) ~m§SYmaH$mo§ `m Q—ñQr H$r gh_{V boZo {~Zm, Amdí`H$Vm Ho , ^maVr` {aOd© ~¢H (“nrAmoEZdr ~Åo ImVo {bIr am{e“) Ûmam {ZYm©{aV am{e Ho AZwgma ~m§Smo§ Ho ~H$m`m _ybYZ H$mo ~Åo ImVo {bIm OmE Am¡a O¡gm {H àmg§{JH g_` na Ama~rAmB© Ûmam AÝ`Wm Amdí`H h¡.

EH go A{YH Adgamo§ na am{e ~Åo ImVo {bIr Om gH$Vr h¡. EH ~ma O~ ~m°ÝS Ho _ybYZ H$mo nrAmoEZdr {Q—Ja Bdo§Q Ho AZwgma ~ÅoImVo {bIm J`m hmo Vmo nrAmoEZdr ~ÅoImVo {bIr am{e

{H$gr ^r n{apñW{V _o§ ~hmb Zht hmoJr, Mmho nrAmoEZdr {Q—Ja Bdo§Q Omar aIm J`m hmo . 2. nrAmoEZdr Ho {bE ~ÅoImVo {bIm J`m hmo H$m _Vb~ nyU© Am¡a ñWm`r ~ÅoImVo {bIm J`m h¡. 3. o {bIV, Omo ^maVr` {aOd© ~¢H Ho {dH$ën na {Q—Ja B©do§Q H$r Xem na ~ÅoImVo {bIo OmE§Jo, {Ogo nm°B§Q Am°µ\ Zm°Z-

dm`{~{bQr (nrAmoEZdr) {Q—Ja H$hm OmEJm… (I) nhbo H$r nrAmoEZdr {Q—Ja Bdo§Q : H$. EH {ZU©` Omo nyU© ñWm`r ~ÅoImVo {bIm OmZm Omo Oêar h¡, O¡gm {H ^maVr` {aOd© ~¢H Ûmam {ZYm©{aV {H$`m J`m h¡ {OgHo

{~Zm ~¢H J¡a-AW©j_ hmo OmEJm; VWm I. O¡gm {H g§~§{YV àm{YH$aU Ûmam {ZYm©{aV, ny§Or H$m gmd©O{ZH joÌ Ho A§Vdo©eZ H$aZo H$m {ZU©`, `m g_H$j g_W©Z Ho

{OgHo {~Zm ~¢H J¡a-AW©j_ hmo OmEJm. BZ {b{IVmo§ H$mo ~ÅoImVo SmbZo go nhbo {H$gr ^r gm_mÝ` Bp¹Qr Qrà 1 ny§Or H$r Amdí`H$Vm Zht hmoJr.

(II) Eogm {ZU©` h_oem Eogm Bª{JV H$aVm h¡ {H {Q—Ja B©do§Q Ho ’$bñdên ~ÅoImVo SmbZm ny§Or H$m gmd©O{ZH joÌ Ho A§Vdo©eZ H$aZo go nhbo hmoZm Mm{hE, {Oggo gmd©O{ZH joÌ Ûmam CnbãY H$amB© JB© ny±Or H$_ Z hmo.

(IV) nyU© Am¡a ñWm`r ~ÅoImVo SmbZo H$r AdñWm _o§ BZ {bIV YmaH$mo§ H$mo H$moB© _wAmdOm Zht {X`m OmEJm. 4. Cn`w©º à`moOZ Ho {bE, EH J¡a-AW©j_ ~¢H hmoJm… EH ~¢H Omo, AnZr {dÎmr` Am¡a AÝ` H${RZmB`mo§ Ho H$maU {aOd© ~¢H H$r am` _o§ AnZo Amn _o§ MbZo dmbr g§ñWm Zht ahVr

h¡, O~ VH {H CgHo n{aMmbZ H$mo nwZOr©{dV H$aZo Ho {bE C{MV H$X_ Zht CRmE OmVo h¢ Am¡a Bg àH$ma MbZo dmbr g§ñWm ~ZmE ahZo Ho {bE Bgo gj_ ~ZmVo h¢. ~¢H Ûmam gm_Zm H$r OmZo dmbr H${RZmB©`m§ Eogr hmoZr Mm{hE {Oggo {dÎmr` KmQm hmoZo H$r g§^mdZm hmo Am¡a ~¢H H$r gm_mÝ` Bp¹Qr Qrà 1 ny§Or H$mo ~‹TmZo go ~¢H H$mo J¡a-AW©j_ hmoZo go amoH$Zo Ho {bE g~go Cn`wº Cnm` _mZm OmZm Mm{hE. Bg Vah Ho Cnm`mo§ _o§ {aOd© ~¢H Ûmam C{MV ên _o§ _mZm OmZo dmbo AÝ` Cnm`mo§ Ho gmW `m CgHo {~Zm g§`moOZ _o§ ~ÅoImVo SmbZm em{_b hmoJm.

5. {dÎmr` H${RZmB©`mo§ H$m gm_Zm H$aZo dmbo Am¡a nrAmoEZdr H$r Amoa AJ«ga hmoZo dmbo ~¢H H$mo AW©j_Vm àmßV H$aZo `mo½` g_Âmm OmEJm `{X {aOd© ~¢H H$r am` _o§ C{MV g_` Ho ^rVa AJa Bgo {’$a go ewê H$aZo Ho {bE C{MV Cnm` {H$E OmVo h¢. dV©_mZ g_ñ`mAmo§ go ~mha AmZo _o§ gj_ hmoZo Ho {bE ~ÅoImVo SmbZm / gmd©O{ZH joÌ Ho {Z{Y`mo§ Ho A§Vdo©eZ Ho O{aE Bp¹Qr ny§Or Ho g§dY©Z g{hV Cnm`mo§ H$r g§^mdZm h¡…

H$. O_mH$Vm©Amo§ / {ZdoeH$mo§ Ho {dœmg H$mo nwZ… ñWm{nV H$aZm; I. ~¢H H$r aoqQJ / G$U nmÌVm _o§ gwYma Am¡a Bg àH$ma AnZr CYma j_Vm Am¡a VabVm _o§ gwYma Am¡a {Z{Y`mo§ H$r bmJV H$_

H$aZm; VWm J. ZB© {Z{Y`mo§ H$mo A§Vdo©eZ Ho _m_bo _o§ VwbZ nÌ d¥{Õ H$mof Ho {bE g§gmYZ AmYma _o§ d¥{Õ.



6. ~ÅoImVo SmbZo dmbr J¡a-Bp¹Qr ny§Or H$r am{e Ama~rAmB© Ûmam {ZYm©{aV H$r OmEJr. 7. O~ ~¢H nrAmoEZdr {Q—Ja H$m C„§KZ H$aVm h¡ Am¡a B©p¹Qr H$m ~ÅoImVo Smb H$a AmnyaU H$a {X`m OmVm h¡ Vmo Eogr B©p¹Qr

H$r ânmB© H$r JB© am{e H$mo ~¢H H$r Hw$b Bp¹Qr go ~mha {ZH$mb {X`m OmEJm Vm{H ny§Or g§ajU ~’$a H$mo ~ZmE aIZo Ho {bE {ZYm©{aV {Z`_mo§ Ho VhV bm^m§e Ho ên _o§ ^wJVmZ H$aZo Ho {bE Am` H$m AZwnmV {ZYm©{aV {H$`m Om gHo . hmbm§{H$, EH ~ma O~ ~¢H AmnyaU Bp¹Qr am{e H$r JUZm {H$E {~Zm 8% H$m Am_ Bp¹Qr AZwnmV àmßV H$a boVm h¡ Vmo Cg q~Xw Ho ~mX, ~¢H g^r CÔoí`mo§ Ho {bE AmnyaU Bp¹Qr ny§Or em{_b H$a gH$Vr h¡.

8. nrAmoEZdr {ZYm©{aV H$aZo Ho {bE _mZX§S O~ ~¢H Ho {bE ^maVr` {aOd© ~¢H Ûmam O~ `h ’¡$gbm {H$`m OmVm h¡ {H ~¢H nrAmoEZdr {Q—Ja B©do§Q H$r Amoa AJ«ga hmo

ahm h¡, `m nhbo hr nrAmoEZdr VH nhw§M J`m h¡, bo{H$Z ^maVr` {aOd© ~¢H Ho {dMma _…§ H$) EH g§^mdZm h¡ {H g_` ahVo ny§Or g_W©Z Ho ên _o§ hñVjon, AÝ` `m CZHo {~Zm ghm`VmH$mar hñVjonmo§ Ho gmW ~¢H H$mo

~Mmd H$aZo H$r g§^mdZm h¡; VWm I) {X BZ na Ü`mZ {XE {~Zm ~mha Nmo‹S {X`m OmE, Vmo BZ H$_Omo{a`mo§ Ho ’$bñdên ~¢H H$mo {dÎmr` ZwH$gmZ CRmZm hmoJm Am¡a

Bg àH$ma, AnZo gm_mÝ` Bp¹Qr ñVa _o§ {JamdQ H$m H$maU hmoJm. 9. BZ {bIVmo§ H$mo ~Åo ImVo SmbZo H$m CÔoí` ~¢H Ho ny§Or ñVa H$mo CRmZm hmoJm. ^maVr` {aOd© ~¢H H$r J¡a-AW©j_Vm H$mo {ZYm©{aV H$aZo Ho {bE {ZåZmZwgma Xmo MaU Ho A{^J_ H$m nmbZ H$aoJr…

MaU 1 Ho AmH$bZ _o§ {dewÕ ên go CÔoí` Am¡a _mÌmË_H _mZX§S em{_b hmo§Jo, `h B§{JV H$aZo Ho {bE {H ~¢H àW_ X¥îQ`m J¡a-AW©j_Vm H$r Amoa AJ«ga hmo ahm h¡ Am¡a Bg{bE, ~¢H H$r {dÎmr` pñW{V H$r ~marH$r go Om§M H$r Amdí`H$Vm h¡.

MaU 2 _yë`m§H$Z _o§ AZwnyaH AmË_naH _mZX§S em{_b hmo§Jo, Omo MaU 1 H$r OmZH$mar Ho gmW, `h {ZYm©{aV H$aZo _o§ _XX H$aoJm {H ~¢H J¡a- AW©j_Vm ~ZZo dmbm h¡ `m Zht. BZ _mZX§Smo§ H$m EH gmW _yë`m§H$Z {H$E OmEJm Z {H AbJ-AbJ.10. EH ~ma nrAmoEZdr H$r nwpîQ hmo OmZo Ho ~mX, AJbm H$X_ `h V` H$aZm hmoJm {H ~¢H H$m ~Mmd AHo bo ~ÅoImVo SmbZo

Ho _mÜ`_ go hmoJm `m ny§Or H$m gmd©O{ZH joÌ Ho A§Vdo©eZ H$aZo Ho gmW g§`moOZ Ho ên _o§ hmoJm. 11. nrAmoEZdr Ho {Q—Ja H$m _yë`m§H$Z g_o{H$V Am¡a EH$_mÌ ñVa XmoZmo§ na {H$`m OmEJm Am¡a {H$gr ^r ñVa na C„§KZ ~Åo ImVo

SmbZo Ho {bE ào{aV H$aoJm. 12. O¡gm {H ny§Or n`m©ßVVm XmoZmo§ EH$b Am¡a g_o{H$V ñVamo§ na bmJy h¡, {dXoer ghm`H H§$n{Z`mo§ g{hV ~¢H$mo§ H$r ghm`H H§$n{Z`mo§

Ûmam Omar ny§OrJV {b{IVmo§ Ho g§~§Y _o§ Aëng§»`H {hVmo§ H$mo ~¢qH$J g_yh H$r g_o{H$V ny±Or _o§ em{_b {H$`m Om gH$Vm h¡, `{X ò {bIVmo§ nyd©-{Z{X©îQ {Q—Ja (E.Qr.1 ny±Or {bIVmo§ Ho _m_bo _o§) / nr.Amo.EZ.dr. _o§ hm{Z AdemofU (g^r J¡a-gm_mÝ` Bp¹Qr ny§Or {bIVmo§ Ho {bE) h¢. BgHo Abmdm, Ohm§ EH ~¢H AnZo gpãg{Sàr Ûmam Omar {H$E JE {bIVmo§ H$mo AnZr EH$b ny§Or Ho A{V{aº g_o{H$V g_yh H$r ny±Or _o§ em{_b H$aZo H$r BÀNm H$aVm h¡, Cg {bIV Ho {Z`_mo§ Am¡a eVmoª H$mo EH A{V{aº {Q—Ja B©do§Q {Z{X©îQ H$aZm hmoJm.

`h A{V{aº {Q—Ja B©do§Q nhbo H$m : (1). EH {ZU©` Omo ~ÅoImVo {bIm OmZm, Omo Oêar h¡, O¡gm {H ^maVr` {aOd© ~¢H Ûmam {ZYm©{aV {H$`m J`m h¡ {OgHo {~Zm ~¢H

`m gpãg{Sàr J¡a-AW©j_ hmo OmEJm; VWm (2). O¡gm {H ^maVr` {aOd© ~¢H Ûmam {ZYm©{aV, ny§Or H$m gmd©O{ZH joÌ Ho A§Vdo©eZ H$aZo H$m {ZU©`, `m g_H$j g_W©Z {OgHo

{~Zm ~¢H J¡a-AW©j_ hmo OmEJm. Eogm {ZU©` h_oem Eogm B©§{JV H$aVm h¡ {H {Q—Ja B©do§Q Ho ’$bñdên ~ÅoImVo SmbZm ny§Or H$m gmd©O{ZH joÌ Ho A§Vdo©eZ H$aZo go nhbo hmoZm Mm{hE {Oggo gmd©O{ZH joÌ Ûmam CnbãY H$amB© JB© ny±Or H$_ Z hmo.

13. Eogo _m_bmo§ _o§, Cn`w©º AZwÀNoX _o§ {Z{X©îQ A{V{aº {Q—Ja q~Xw na ny§Or {bIVmo§ H$mo ~ÅoImVo SmbZo H$r AZw_{V Ho {bE ghm`H H§$nZr AnZo {Z`m_H H$r _§Oyar / J¡a-Amn{Îm àmßV H$aoJr.

14. {X ~¢H BZ ~m°ÝSmo§ H$mo H$mo ~ÅoImVo SmbZo go nhbo hr n{ag_mnZ _o§ Mbm OmVm h¡, Vmo ò {bIV Bg eV© erQ Ho I§S 8 _o§ {XE JE d{aîRVm Ho AmXoe Am¡a ewëH H$r àmW{_H$Vm H$mo {Z`§{ÌV H$aZo dmbo gm_mÝ` H$mZyZr àmdYmZmo§ Ho AZwgma hm{Z H$mo Ademo{fV H$ao§Jo.

15. {X ~¢H$, BZ ~m°ÝS {bIVmo§ H$mo ~ÅoImVo _o§ SmbZo Ho ~mX n{ag_mnZ _o§ OmVm h¡ Vmo BZ {bIVmo§ Ho YmaH$mo§ H$mo n{ag_mnZ H$r Am` na H$moB© Xmdm Zht hmoJm.

(A) EH ~¢qH$J H§$nZr H$m g_m_obZ : (~rAma A{Y{Z`_, 1949 H$r Ymam 44 E) 16. {X BZ ~m§Smo§ H$mo ~ÅoImVo _o§ SmbZo go nhbo ~¢H H$mo {H$gr Xygao ~¢H _o§ {db` H$a {X`m hmo Vmo Bg {db` Ho ~mX CâZo

dmbo ZE ~¢H H$r {Z`m_H ny§Or H$m EH {hñgm ~Z OmEJm. 17. {X BZ {bIVmo§ H$mo ñWm`r ên go ~ÅoImVo _o§ SmbZo Ho ~mX, `{X ~¢H H$mo {H$gr ^r AÝ` ~¢H Ho gmW {db` H$a {X`m J`m

hmo Vmo BÝho§ g_m_o{bV Ûmam {a{QZ- An Zht {H$`m Om gH$Vm h¡. (~) ~¢qH$J H§$nZr Ho nwZJ©RZ `m EH$rH$aU H$r `moOZm… (~rAma A{Y{Z`_, 1949 H$r Ymam 45) 18. . {X g§~§{YV àm{YH$aU ~rAma A{Y{Z`_, 1949 H$r Ymam 45 Ho VhV {H$gr ^r AÝ` ~¢H Ho gmW ~¢H H$m nwZJ©RZ H$aZm

`m EH$rH$aU H$aZm V` H$aVo h¢, Vmo Eogo ~¢H H$mo J¡a-AW©j_ `m J¡a- AW©j_Vm H$r Amoa AJ«ga g_Âmm OmEJm Am¡a BZ XmoZmo§ nyd©-{Z{X©îQ {Q—Ja Am¡a J¡a-AW©j_Vm Ho q~Xw na {Q—Ja na {bIVmo§ Ho ~Åo ImVo H$mo g{H«$` {H$`m OmEJm. VXZwgma, BZ {Z`_mo§ Ho AZwgma g_m_obZ / nwZJ©RZ go nhbo BZ CnH$aUmo§ H$mo nyar Vah go ñWmB© ên go ~Åo ImVo {bIm OmEJm.

~Åo ImVo {bIZo H$m {ZU©` Bg {bIV Ho g^r {ZdoeH$mo§ _o§ ~Åo ImVo {bIZo Ho {ZU©` H$mo H$m`m©Ýd{`V {H$`m OmEJm;



{Xdm{b`mnZ / n{ag_mnZ A{^{H«$`m {Xdm{b`mnZ Am¡a n{ag_mnZ H$mo Nmo‹SH$a ^{dî` _o§ {ZYm©{aV ^wJVmZ (Hy$nZ `m _ybYZ) Ho nwZ^w©JVmZ _o§ VoOr bmZo Ho {bE ~m°ÝSYmaH$mo§ Ho nmg H$moB© A{YH$ma Zht hmoJm

Ad{Y Am~§QZ H$r _mZr JB© {V{W go 10 df©{d_moMZ/n{an¹Vm {XZm§H (Ho§ ) Am~§QZ H$r _mZr JB© {V{W go 10 df© _moMZ am{e à{V ~m§S Ho {bE ` 10,00,000 / - (` Xg bmI) Ho ~am~a. _moMZ àr{_`_/ {SñH$mC§Q bmJy Zht A§{H$V _yë` ` 10,00,000 / - (Xg bmI ênE) à{V ~m§S g__yë` na {ZJ©_ H$r_V ` 10,00,000 / - (Xg bmI ênE) à{V ~m§S g__yë` na{ZJ©_ na àr{_`_ / ~Åm bmJy Zht NyQ {Og na à{V^y{V Omar H$r JB© Am¡a Eogr NyQ Ho ~mX à^mdr à{V\ b.

bmJy Zht

Ý`yZV_ AmdoXZ Am¡a CgHo ~mX G$U à{V^y{V`mo§ Ho JwUH$mo§ _o§

1 ~m§S VWm CgHo nümV 10 ~m§S VWm CgHo nümV EH ~m§S Ho JwUH _o§

{bIV Omar H$aZo H$m T§J Ho$db ~oH$mJOrH¥$V {bIV H$m ì`mnma H$aZo H$m ‹T§J Ho$db ~oH$mJOrH¥$V Am~§QZ H$m AmYma (`{X H$moB© hmo) OmarH$Vm© AnZo ñd{ddoH Ho AmYma na, {H$gr/g^r AmdoXZmo§ H$mo {~Zm nyd© gyMZm Ho Am§{eH `m nyU© ên go aÔ H$aZo H$m A{YH$ma

aIVm h¡.

{dH«$¶ {dH$ën H$moB© {dH«$¶ {dH$ën CnbãY Zht h¡ H«$¶ {dH$ën H$moB© H«$¶ {dH$ën CnbãY Zht h¡ H«$¶ {dH$ën {H$_V bmJy Zht H«$¶ A{YgyMZm g_` bmJy Zht AdamoY Ad{Y bmJy Zht {aH$mS© VmarI ã`mO H$m ^wJVmZ / _yb H$r MwH$m¡Vr Ho {bE g§X^© VmarI, g§~§{YV ã`mO ^wJVmZ H$r VmarI {Og {XZ ã`mO `m ^wJVmZ/

n{an¹Vm H$r aH$_ ^wJVmZ Ho {bE Xo` h¡, go 15 {XZ nhbo hmoJr. `{X {aH$mS© VmarI Eogo {XZ n‹SVr h¡ Omo H$mamo~ma {XZ Zht h¡, AJbm H$mamo~ma {XZ {aH$mS© VmarI _mZr OmEJr.

H$mamo~ma {Xdg Ad{Y H$mamo~ma {XZ dh {XZ hmoJm {Og {XZ dm{UpÁ`H ~¢H _w§~B© ZJa _o§ H$mamo~ma Ho {bE Iwbo aho§Jo.1. {H$gr ã`mO H$m ^wJVmZ Eogo {XZ n‹SVm h¡ Omo H$mamo~ma {XZ Zht h¡ (H$mamo~ma {XZ dh {XZ h¡ {Og {XZ dm{UpÁ`H ~¢H _w§~B©

ZJa _o§ H$mamo~ma Ho {bE Iwbo h¢), V~ ã`mO H$m ^wJVmZ AJbo {XZ AWm©V H$mamo~ma {XZ H$mo ~rM H$r Ad{Y Ho {bE ã`mO Ho gmW {H$`m OmEJm.

2. _yb am{e Ho wJVmZ H$m {XZ Eogo {XZ n‹SVm h¡ Omo H$mamo~ma {XZ Zht h¡ (H$mamo~ma {XZ dh {XZ h¡ {Og {XZ dm{UpÁ`H ~¢H _w§~B© ZJa _o§ H$mamo~ma Ho {bE Iwbo h¢), V~ Xo` ^wJVmZ nyd© H$m`© {Xdg H$mo {H$`m OmEJm.

ã`mO Am¡a / `m _yb am{e H$m ^wJVmZ {db§~ H$r Ad{Y Ho {bE ã`mO Ho ^wJVmZ H$r {~Zm {H$gr Xo`Vm H$r eV© na h¡.

boZXoZ XñVmdoµO OmarH$Vm© {ZJ©_ Ho g§~§Y _o§ XñVmdoO Omar H$aoJm {Og_o§ {ZåZ{b{IV XñVmdoO ^r em{_b hmo§Jo bo{H$Z dh BZ VH hr gr{_V Zht hmo§Jo…

1. ~mÊSYmaH$mo§ H$mo Ý`mgr {Z`wº H$aZo H$m nÌ

2. ~mÊS/{S~o§Ma Ý`m{gVm H$ama;

3. ~mÊS/{S~o§Ma Ý`mgr {dboI

4. Ho$Aa {b{_QoS Ho gmW aoqQJ H$ama;

5. OmarH$Vm©, a{OñQ—ma VWm EZ.Eg.Sr.Eb. Ho ~rM ~m§Smo§ H$mo ~oH$mJOrH¥$V ên _o§ Omar H$aZo Ho {bE {Ìnjr` H$ama;

6. OmarH$Vm©, a{OñQ—ma VWm gr.Eg.Sr.Eb. Ho ~rM ~m§Smo§ H$mo ~oH$mJOrH¥$V ên _o§ Omar H$aZo Ho {bE {Ìnjr` H$ama;

7. a{OñQ—ma H$m {Z`w{º nÌ VWm OmarH$Vm© Am¡a a{OñQ—ma Ho ~rM {H$`m J`m H$ama;8. EZ.Eg.B©. Ho gmW gyMr~ÕVm H$ama.9. àH$QZ XñVmdoO {XZm§H 16.09.2016



~m§S Ho A{^XmZ H$aZo go nyd© nyU© H$r OmZo dmbr eVoª

OmarH$Vm© Ûmam {ZdoeH$mo§ go Amd§QZ Ho {bE A{^XmZ {ZåZ{b{IV H$r eV© na ñdrH$ma {H$ò OmE§Jo…

1. Cn`w©º aoqQJ EOo§{g`mo§ go aoqQJ Ho nÌ {ZJ©_ IwbZo H$r {V{W go EH _hrZo go A{YH nwamZo Zht hmoZo Mm{hE;

2. ~mÊSYmaH$mo§ Ho {bE Ý`mgr Ho ên _o§ H$m`© H$aZo Ho {bE Ý`m{g`mo§ Ûmam CZH$r gh_{V gy{MV {H$E OmZo H$m nÌ;3. ~mÊSmo§ H$mo gyMr~Õ VWm ì`mnma H$aZo Ho {bE CZH$m g¡Õm§{VH AZw_moXZ àmßV H$aZo Ho {bE EZ.Eg.B©. H$mo nÌ.

~m§S Ho A{^XmZ H$aZo Ho nümV nyU© H$r OmZo dmbr eVoª

OmarH$Vm© `h gw{Z{üV H$aoJm {H Bg àH$QZ XñVmdoO _o§ AÝ` {H$gr ^r ñWmZ na {b{IV g_` gr_m Ho AZwgma {ZåZ{b{IV XñVmdoO {Zînm{XV {H$E OmE/ {H«$`mH$bmn nyao {H$ò OmE§:

1. Amd§{Q`mo§ Ho Sr_oQ ImVo _o§ Amd§{QV ~m§Smo§ H$r g§»`m Amd§QZ H$r _mZr JB© VmarI go 2 {XZ Ho A§Xa O_m H$r OmZr Mm{hE;

2. go~r G$U {d{Z`_; H§$nZr A{Y{Z`_, 1956 (1956 H$m 1) H$r Ymam 73 H$r CnYmam 1 Ho AZwgma ~m§Smo§ Ho Amd§QZ H$r _mZr JB© VmarI go 15 {XZ Ho A§Xa EZ.Eg.B©. H$mo gyMr~Õ H$aZo Ho {bE AmdoXZ H$aZm VWm ~m§Smo§ Ho Amd§QZ H$r _mZr JB© VmarI go 20 {XZ Ho A§Xa gyMr~Õ H$aZo H$r AZw_{V _m§JZm.

3. Z Vmo ~¢H Am¡a Z hr H$moB© g§~§{YV nmQr© {Og na ~¢H H$m {Z`§ÌU `m _hËdnyU© à^md (O¡go {H g§~§{YV boIm _mZH$mo§ Ho A§VJ©V n{a^m{fV h¡) hmo, ~m§S IarXoJm, Zm hr ~¢H àË`j `m AàË`j ên _o§ ~m§Smo§ H$r IarX Ho {bE {Z{Y`m§ CnbãY H$amòJm. ~¢H CgHo Ûmam Omar ~m§Smo§ H$r à{V^y{V na A{J«_ ^r ñdrH¥$V Zht H$aoJm.

4. BgHo A{V{aº OmarH$Vm© Bg àH$QZ XñVmdoO _o§ {b{IV g^r {H«$`mH$bmn H$aoJm, Mmho dh A{Zdm`© hmo `m AÝ`Wm hmo.

A{V{aº n{ag§{dXmE§ gyMr~Õ hmoZo _o§ {db§~ : OmarH$Vm© Amd§QZ H$r _mZr JB© VmarI go 15 {XZ Ho A§Xa g^r Am¡nMm{aH$VmE§ nyar H$aoJm Am¡a gyMr~Õ H$aZo H$r AZw_{V _m§JoJm. ~m§Smo§ H$mo gyMr~Õ H$aZo _o§ Amd§QZ H$r _mZr JB© VmarI go 20 {XZ go A{YH H$m {db§~ hmoZo na, OmarH$Vm© Amd§QZ H$r _mZr VmarI go 30 {XZ H$r Ad{Y nyao hmoZo H$r {V{W go ~m§Smo§ Ho gyMr~Õ hmoZo H$r VmarI VH ~m§SYmaH$/YmaH$mo§ H$mo Hy$nZ Xa go A{YH 1.00% Xm§{SH ã`mO wJVmZ H$aoJm. gyMr~Õ H$aZo H$r AZw_{V Z {_bZm : `{X Amd§QZ H$r _mZr JB© VmarI go 20 {XZ H$r Ad{Y g_mßV hmoZo go nyd© gyMr~Õ H$aZo H$r AZw_{V Zht Xr OmVr h¡ Vmo OmarH$Vm© àH$QZ XñVmdoO Ho AZwgaU _o§ AmdoXH$mo§ go àmßV g^r YZ am{e`m§, Amd§QZ H$r _mZr JB© VmarI go 20 {XZ H$r Ad{Y g_mßV hmoZo H$r VmarI go Hy$nZ Xa Ho A{V{aº 1.00% à{Vdf© Xm§{SH ã`mO Ho gmW, dmng H$aoJm. `{X Eogr YZ am{e`m§ OmarH$Vm© Ûmam Xo hmoZo Ho ~mX 8 {XZ Ho A§Xa (AWm©V AZw_{V Z {_bZo H$r VmarI go `m Amd§QZ H$r _mZr JB© VmarI go 20 {XZ, Omo ^r nhbo hmo) wJVmZ Zht H$r OmVr h¡, Vmo OmarH$Vm© Am¡a OmarH$Vm© g§ñWm H$m àË oH {ZXoeH Omo {H CgH$m EH MyH$H$Vm© A{YH$mar h¡, 8 {XZ H$r Ad{Y g_mßV hmoZo H$r {V{W go AmdoXZ YZ na 15% à{Vdf© H$r Xa go ã`mO Ho gmW g§ wº ên _o§ Am¡a EH$b ên _o§ wJVmZ H$aZo Ho {bE {Oå_oXma hmoJm O¡go {H H§$nZr A{Y{Z`_, 1956 H$r Ymam 73 Ho A§VJ©V C„oI {H$`m J`m h¡.

à{VMyH bmJy Zht

MyH H$m n[aUm_ ~¢H H$r Amoa go ~H$m`m ~m°ÝSg Ho Am§{eH `m nyU© ^wJVmZ _o§ hwB© MyH (~H$m`m {V{W`mo§ na ã`mO {H$íV H$m ^wJVmZ `m _ybYZ am{e Ho nwZ^w©JVmZ H$aZo _o§) Ho g§~§Y _o§ {g\© Cn`w©º d{U©V ""PONV'' H$r pñW{V _o§ `m ^maVr` {aOd© ~¢H `m ^maV gaH$ma `m AÝ` H$moB© g§d¡Ym{ZH g§ñWm Ûmam {ZYm©{aV {Z`m_H Amdí`H$VmAmo§ Ho H$maU H$mo NmoSH$a, {ZJ©_ Ho CÔoí` Ho {bE MyH Ho n[aUm_ H$mo g_ÂmZm hmoJm.

AÝ` gm_mÝ` eVoª



nmÌ {ZdoeH 1. å`wÀ`wAb ’§$S;2. H§$nZr A{Y{Z`_ 2013 _o§ Xr JB© n{a^mfm Ho AZwgma gmd©O{ZH {dÎmr` g§ñWmZ.3. AZwgy{MV dm{UÁ` ~¢H$;4. ~r_m H§$n{Z`m§;5. {dXoer g§ñWmJV {ZdoeH (go~r/Ama.~r.AmB©. Ho _mZX§Smo§ Ho AZwnmbZ Ho AYrZ) 6. ^{dî` {Z{Y, J«oÀ`wQr {Z{Y, godm{Zd¥{Îm {Z{Y`m§ Am¡a no§eZ {Z{Y;7. ghH$mar ~¢H$;8. ~m§Smo§ Am¡a {S~o§Mamo§ _o§ {Zdoe Ho {bE àm{YH¥$V joÌr` J«m_rU ~¢H$;9. ~m§Smo§ Am¡a {S~o§Mamo§ _o§ {Zdoe Ho {bE àm{YH¥$V H$mnmo©aoQ {ZH$m`;10. gr{_V Xm{`Ëd ^mJrXmar 11. ~m§Smo§ Am¡a {S~o§Mamo§ _o§ {Zdoe Ho {bE àm{YH¥$V g{_{V`m§ 12. ~m§Smo§ Am¡a {S~o§Mamo§ _o§ {Zdoe Ho {bE àm{YH¥$V Ý`mg; 13. H|$Ðr` / amÁ` {dYmZ Ûmam ñWm{nV gm§{d{YH {ZJ_ / CnH«$_, Omo ~m§Smo§ / {S~o§Mamo§ _o§ {Zdoe H$aZo Ho {bE àm{YH¥$V h¡

Am{X. 14. maV gaH$ma Ûmam ^maV Ho amOnÌ _o§ àH$m{eV g§H$ën g§. Eµ\ Z. 2/3/2005-SrSrAmB©AmB© {XZm§H 23 Zd§~a 2005 Ho

AÝVJ©V ñWm{nV amîQ—r` {Zdoe {Z{Y. 15. maVr` g§K H$r Ob, Wb Ed§ dm`wgoZm Ûmam ñWm{nV Ed§ à~§{YV ~r_m {Z{Y `h {ZJ©_ Ho$db Cn`w©º loUr Ho {ZdoeH$mo§

VH gr{_V h¡. g§^m{dV {ZdoeH$mo§ H$mo ~m°ÝSg IarX hoVw AnZr nmÌVm Ama.~r.AmB©., go~r, AmB©.Ama.Sr.E., ^maV gaH$ma, {dÎm _§Ìmb`, l_ _§Ìmb` BË`m{X `m AÝ` g§~§{YV {Z`m_H g§ñWm Ûmam Omar _mZX§Smo§/{Xem-{ZXo©e/n¡am_rQa Ho AmYma na ñdV§Ì ên go Om§M H$aZr hmoJr Am¡a Ama.~r.AmB©. Ûmam Omar {Xem-{ZXo©emo§ go AdJV ahZm hmoJm.

{ZdoeH$mo§ Ho AnmÌ dJ© geV© {dXoer {ZdoeH$, {dXoer ZmJ{aH$, maV go ~mha ahZodmbo {Zdmgr, Omo{I_ ny§Or {Z{Y`m§, d¡H$pënH {Zdoe {Z{Y`m§, {dXoer H$mnmo©aoQ {ZH$m`, ^mJrXmamo§ Ho Zm_ na ^maV _o§ bmJy {d{Y`mo§ Ho AYrZ J{RV ^mJrXmar ’$_©, H$Vm© Ho _mÜ`_ go qhXy A{d^m{OV n{adma, bmJy gm§{d{YH$/ {d{Z`m_H AnojmAmo§ Am{X Ho AYrZ g§{dXm Ho {bE AnmÌ ì`{º.

emgr {d{Y VWm joÌm{YH$ma ~m§S ^maV H$r {dÚ_mZ {d{Y`mo§ Ûmam em{gV hmo§Jo Am¡a CZHo AZwgma _mZo OmE§Jo. Bg g§~§Y _o§ CËnÞ hmoZo dmbm H$moB© ^r {ddmX _w§~B©, _hmamîQ— Ho {Obm Ý`m`mb`mo§ Ho joÌm{YH$ma Ho AYrZ hmo§Jo.

^maVr` {aOd© ~¢H Ho bmJy {Xem{ZXo©e ~m§S H$m dV©_mZ {ZJ©_ ^maVr` {aOd© ~¢H Ûmam ~ogob III ny§Or {d{Z_`mo§ Ho ~mao _o§ Omar _mñQa n{anÌ g§»`m Sr.~r.Amo.Sr. g§.~r.nr.~r.gr. 1/21.06.201/ 2015-16 {XZm§H 1 OwbmB©, 2015 Ho AZwgaU _o§ h¡ {Og_o§ {Q`a- I ny§Or Ho én _o§ G$U ny§Or {b{IVmo§ H$mo em{_b H$aZo (AZw~§Y 5) Am¡a nyd© {Z{X©îQ {Q—Ja na A{V{aº {Q`a 1 {b{IVmo§ H$r hm{Z AdemofH$Vm gw{Z{üV H$aZo Ho {bE Ý`yZV_ Amdí`H$VmAmo§ VWm nr.Amo.EZ.dr. na g_ñV J¡a-B©p¹Qr {d{Z`m_H ny§Or {bIVmo§ (AZw~§Y 16) Ho g§~§Y _o§ h¡.

IarX/~mÊSmo§ Ho {dÎmnmofU na à{V~§Y Zm Vmo OmarH$Vm© Am¡a Zm hr H$moB© g§~§{YV nmQr© {Og na OmarH$Vm© H$m {Z`§ÌU hmo `m _hËdnyU© à^md hmo (O¡go {H g§~§{YV boIm _mZH$mo§ Ho A§VJ©V n{a^m{fV h¡) ~m°ÊS IarXoJm Am¡a Zm hr OmarH$Vm© àË`j `m AàË`j én _o§ ~m°ÊSmo§ H$r IarX Ho {bE {dÎm àXmZ H$aoJm. OmarH$Vm© CgHo Ûmam Omar ~m°ÊSmo§ H$mo à{V^y{V na A{J«_ ^r ñdrH¥$V Zht H$aoJm.

Hy$nZ Ho ^wJVmZ Z hmoZo H$r {anmoqQ©J Hy$nZ Ho ^wJVmZ Zm hmoZo Ho g^r _m_bo ~¢H Ûmam ^maVr` {aOd© ~¢H$, _w§~B© Ho ~¢qH$J n{aMmbZ {d^mJ Am¡a ~¢qH$J n`©dojU {d^mJ Ho à^mar _w»` _hm à~§YH$ H$mo A{Ygy{MV {H$E OmZo Mm{hE.

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Ý`mgr H$r ^y{_H$m Am¡a CÎmaXm{`Ëd Ý`mgr AnZo H$V©ì`mo§ Am¡a Xm{`Ëdmo§ H$m {Zdm©h H$ao§Jo ~m§SYmaH$mo§ Ûmam Ý`m{g`mo§ _o§ {H$E JE {dœmg Ho AZwgma AnZo A{YH$mamo§ Am¡a {ddoH H$m Cn`moJ Am¡a AmMaU H$ao§Jo Am¡a bmJy {d{Y`mo§ Ho àmdYmZmo§ H$m AZwnmbZ H$ao§Jo, ~eVo© H$r ^maVr` Ý`mgr A{Y{Z`_, 1882 H$r Ymam 20 Ho àmdYmZ Ý`m{g`mo§ na bmJy Zht hmo. Ý`mgr AnZo H$V©ì` Am¡a H$m`moª H$m {ZînmXZ d¡go hr H$ao§Jo O¡go {H CÝho§ AnZo Xm{`Ëdmo§ H$m {Zdm©hZ go~r G$U {d{Z`_, ^maVr` à{V y{V VWm {d{Z_` ~moS© ({S~o§Ma Ý`mgr) {d{Z`_ 1993, {S~o§Ma Ý`m{gVm H$ama, àH$QZ XñVmdoO VWm AÝ` boZ-XoZ g§~§Yr XñVmdoOmo§ Ho AZwgma Amdí`H gmdYmZr gyÂm~yÂm Am¡a {ZîRm Ho AZwgma H$aZm h¡.oo

Ý`m{g`mo§ H$mo ~m§SYmaH$mo§ Ho {hVmo§ H$r ajm Ho {bE Ano{jV A{YH$ma {XE OmE§Jo {Og_o§ ~m§Smo§ Ho g§ñWmJV YmaH$mo§ Ho nam_e© go OmarH$Vm© Ho ~moS© _o§ Zm{_Vr {ZXoeH H$mo {Z wº H$aZo H$m A{YH$ma ^r em{_b hmoJm bo{H$Z `h Bgr VH gr{_V Zht ahoJm. Ý`mgr g^r KQZmAmo§ H$m àH$QZ {Za§Va ên _o§ gw{Z{üV H$ao§Jo.

OmarH$Vm© ~m§Smo§ Ho wJVmZ VH$, go~r Ûmam CZHo `Wmg§emo{YV n{anÌ g§»`m go~r/ AmB©.E_.Sr./ ~m§S/ 1/2009/11/05 {XZm§H 11 _B©, 2009 Ûmam Omar gabrH¥$V gyMr~ÕVm H$ama _o§ {b{IV g_` gr_m Ho A§Xa, Ý`m{g`mo§ H$mo AnZr AÚVZ boIm-nar{jV/ gr{_V g_rjm AY©dm{f©H g_o{H$V (Ohm§ H$ht CnbãY hmo) VWm AbJ AbJ ên _o§ {dÎmr` gyMZm O¡go bm^-hm{Z {ddaU, VwbZnÌ VWm ZH$Xr àdmh {ddaU Am¡a boIm-narjH$mo§ H$r eVoª, `{X H$moB© hmo§, àñVwV H$ao§Jo. BgHo A{V{aº OmarH$Vm© {dÎmr` df© g_mßV hmoZo Ho 180 {XZ Ho A§Xa, Ý`m{g`mo§ H$mo AÚVZ dm{f©H {anmoQ© H$r EH à{V àñVwV H$ao§Jo Am¡a Ý`mgr àñVwV H$r JB© {anmoQ© Ho {ddaU "`mo½`Vm àmßV g§ñWmJV IarXXmamo§ (Š y.AmB©.~r.) H$mo CZHo {d{eîQ AZwamoY na 2 {XZ Ho A§Xa àñVwV H$ao§Jo.

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32 `{X Ad{b{IV h¡ Vmo, nyU©V… AWdm A§eV… bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht nyU© nyU© bmJy Zht


33 `{X Ad{b{IV h¡ Vmo, ñWmB© AWdm AñWmB© bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht ñWmB© ñWmB© bmJy Zht

34 `{X AñWmB© AdboIZ h¡ Vmo, amB©Q An àUmbr H m {ddaU


35 n{ag_mnZ _o§ AYrZVm ñWmZ _o§ nXHŒ _ ({bIV Ho {ZH QV_ d{aîR {bIV àH ma H m C„oI H ao§)

8 & 9 bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht 7

36 J¡a- H m`m©pÝdV g§HŒ _U {deofVmE§ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

37 `{X hm§, J¡a- H m`m©pÝdV {deofVmAmo§ H mo {d{Z{X©îQ H aZm


* {bIV Ho 10 df© Ho Cnamoº ^maVr` {aOd© ~¢H Ho AZw_moXZ g{hV

* * ^maVr` {aOd© ~¢H H r nyd© AZw_{V go Amd§QZ _mZr J`r {XZm§H go 10 df© Ho A§V _o§, `{X ~¢H Ûmam BgH m à`moJ Zht {H `m J`m hmo Vmo, Hy nZ H mo _moMZ VH BgHo ~mX 50 ~o{gg nmoBÝQ d{Y©V {H `m OmEJm.


godm ‘|,^maV Ho$ ‘mZZr` amîQ´n{V / XoZm ~¢H$ Ho$ gXñ`m| {dÎmr` {ddaUm| na [anmoQ>©1 h‘Zo XoZm ~¢H$ (~¢H$) Ho$ 31 ‘mM©, 2018 Ho$ {dÎmr` {ddaUm| H$s boIm narjm

H$s, {Og‘| g‘m{dï> h¢ 31 ‘mM©, 2018 H$m VwbZ-nÌ, Cgr VmarI H$mo g‘má hmoZo dmbo df© Ho$ bm^-hm{Z boIo VWm ZH$Xr àdmh {ddaU VWm ‘hËdnyU© boIm Zr{V`m§, boIm| H$s {Q>ßn{U`m§ Ed§ AÝ` ì`m»`mË‘H$ gyMZmAm| H$m gmam§e. BZ {ddaUm| ‘| em{‘b h¡ h‘mao Ûmam boIm nar{jV 20 emImAm|> VWm emIm Ho$ gm§{d{YH$ boIm narjH$m| Ho$ Ûmam boIm nar{jV 758 emImAm| Ho$ {ddaU. h‘mao Ûmam VWm AÝ` boIm narjH$m| Ûmam boIm-nar{jV emImAm| H$m M`Z ^maVr` [aµOd© ~¢H$ Ûmam ~¢H$ H$mo {XE JE {Xem {ZX}em| Ho$ AZwgma {H$`m J`m h¡. VwbZ nÌ Am¡a bm^ Ed§ hm{Z boIm ‘| CZ 1094 (72 g¡Q>obmB©Q> emImAm| g{hV) emImAm| H$s {dda{U`m§ ^r em{‘b h¢ {OZH$s boIm narjm Zht hþB© h¡. J¡a boIm nar{jV emImAm| Ho$ A{J«‘ Hw$b A{J«‘m| Ho$ 11.67%, O‘mam{e`m| Ho$ 37.87%, ã`mOJV Am` Hw$b ã`mOJV Am` Ho$ 12.21% Am¡a ã`mOJV ì`` Hw$b ã`mOJV ì`` Ho$ 37.03% hmoVo h¢.

{dÎmr` {ddaUm| Ho$ {bE à~§YZ H$s CËVaXm{¶Ëd2. ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949, ^maVr` [aµOd© ~¢H$ Ho$ g‘` - g‘`

na Omar {Xem{ZXoem| Am¡a ^maV ‘| ñdrH¥$V boIm ‘mZH$m| Ho$ AZwgma {ZYm©[aV {dÎmr` {ddaUm| H$mo, Omo {dËVr` pñW{V, {dËVr` {ZînmXZ Am¡a ~¢H$ Ho$ ZH$Xr àdmh H$m ghr Am¡a {Zînj Ñ{ï>H$moU X|, V¡`ma H$aZo H$s {Oå‘oXmar à~§YZ H$s h¡. Bg {Oå‘oXmar ‘| em{‘b h¡ énaoIm ~ZmZm, bmJy H$aZm VWm Am§V[aH$ {Z`§ÌU H$s ì`dñWm, Omo {dÎmr` {ddaUm| H$mo ~ZmZo Ho$ g§~§Y ‘| h¢ {df` g§~§Yr {H$gr JbV ì`m»`m Omo {H$ JbVr `m YmoImY‹S>r Ho$ H$maU hmo, go ‘wº$ hmoZm Mm{hE.

boIm narjH$m| H$s CËVaXm{¶Ëd3. h‘mam CËVaXm{¶Ëd AnZo {H$E JE boIm narjU Ho$ AmYma na BZ {dÎmr`

{ddaUm| na AnZr ì`m»`m àH$Q> H$aZm h¡. h‘| AnZm boIm narjU B§ñQ>rQ>`yQ> Am°’$ MmQ>©S©> EH$mCQ>oÊQ> Am°’$ BpÊS>`m Ûmam Omar boIm narjm ‘mZH$m| Ho$ AZwgma H$aZm h¡. CZ ‘mZH$m| H$mo nyam H$aZo Ho$ {bE Amdí`H$ h¡ {H$ h‘ Zr{VnaH$ Amdí`H$VmAm| H$mo nyam H$a| Ed§ `moOZm ~ZmE§ VWm {dÎmr` {ddaU {df` g§~§Yr JbV ì`m»`m go ‘wº$ h¡, Bg Vah H$m C{MV AmœmgZ àmá H$aZo Ho$ {bE boIm narjm H$mo g§nÞ H$a|.

4. boIm narjm ‘| {Z{hV h¡ {H$ {dÎmr` {ddaUm| ‘| ~VmB© OmZo dmbr am{e `m àH$Q>rH$aU Ho$ g§~§Y ‘| boIm narjm g§~§Yr gmú` H$mo àmá H$aZo Ho$ {bE à{H«$`mAm| H$mo nyU© H$a|. à{H«$`mAm| H$m MwZmd boIm narjH$ Ho$ {ZU©` na AmYm[aV h¡ {Og‘| em{‘b h¡ {df`JV OmopI‘ H$m {ZYm©aU Ed§ {dÎmr` {ddaUm| Ho$ g§~§Y ‘| JbV ì`m»`m, Mmho dh YmoImYS>r m JbVr go hmo. BZ OmopI‘m| H$m {ZYm©aU H$aZo ‘| ~¢H$ H$s V¡`mar Ho$ g§~§Y ‘| boIm narjH$ H$mo Am§V[aH$ {Z`§ÌU na {dMma H$aZm hmoJm Am¡a {dÎmr` {ddaUm| H$s gm’$-gwWar àñVw{V Ho$ {bE Cgo boImnarjm H$s à{H«$`mAm| H$s énaoIm ~ZmZr hmoJr, Omo CnbãY n[apñW{V`m|

ñdV§Ì boIm narjH$m| H$s [anmoQ>©

Ho$ AZwgma `w{º$`wº$ hmo. boIm narjm ‘| em{‘b h¡ à~§YZ Ûmam {H$E JE boIm§H$Z AZw‘mZm| H$m AmH$bZ H$aZm Ed§ boIm§H$Z Zr{V`m| Ho$ `w{º$`wº$ H$aU H$m ‘yë`m§H$Z H$aZm. gmW hr g‘J« én ‘| {dÎmr` {ddaUm| Ho$ àñVwVrH$aU H$m ‘yë`m§H$Z H$aZm.

5. h‘| {dœmg h¡ {H$ àmá boIm narjm gmú` h‘mao boIm narjm ‘V Ho$ {bE n`m©á Am¡a Cn`wº$ h¢.

‘V6. h‘mar am` ‘|, ~¢H$ H$s ~{h`m| ‘| Xem©E JE AZwgma Am¡a h‘mar gdm}Îm‘ gyMZm

Ho$ AmYma na VWm h‘| {XE JE ñnï>rH$aU Ho$ AZwgma :H$. {Q>ßn{U`m| Ho$ gmW n{R>V VwbZ nÌ AnZo Amdí`H$ ã`m¡am| Ho$ gmW nyU© Am¡a

ghr h¢ VWm Bgo Eogo C{MV én go V¡`ma {H$`m J`m h¡ {H$ Cggo 31 ‘mM© 2018 H$mo ~¢H$ Ho$ H$m`©H$bmnm| H$m ghr Am¡a ñnï> {MÌ CnpñWV hmo gHo$ Am¡a ^maV ‘| gm‘mÝ` én ‘| ñdrH¥$V boIm§H$Z Zr{V`m| Ho$ AZwgaU ‘| h¡.

I. {Q>ßn{U`m| Ho$ gmW n{R>V bm^ hm{Z boIm bm^ Ho$ dmñV{dH$ A{Veof H$mo Xem©Vm h¡ Omo ImVo Ho$ g‘má df© Ho$ {bE, ^maV ‘| gm‘mÝ` én ‘| ñdrH¥$V boIm§H$Z Zr{V`m| Ho$ AZwgma h¡; Am¡a

J. ZH$Xr àdmh {ddaU Cg VmarI H$mo g‘má df© H$s ZH$Xr àdmh H$s dmñV{dH$ pñW{V Xem©Vm h¡.

AÝ` {d{YH$ Ed§ {d{Z`m‘H$ Amdí`H$VmAm| na [anmoQ>©7. VwbZ-nÌ Am¡a bm^ d hm{Z boIm ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949 Ho$ Ymam

29 Ho$ AZwgma V¡`ma {H$E JE h¢;

D$na n¡am 1 go 5 ‘| {Z{X©ï> boImnarjm H$s gr‘mAm| Ho$ AYrZ Am¡a ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Am¡a A§VaU) A{Y{Z`‘, 1970/1980 Ûmam Ano{jV Am¡a Cg‘| `Wm àH$Q>Z H$s gr‘mAm| H$s Anojm Ho$ AYrZ h‘ [anmoQ>© H$aVo h¢ {H$ :

H$. h‘mar gdm]Îm‘ OmZH$mar Ed§ {dœmg Ho$ AZwgma h‘mar boIm narjm Ho$ à`moOZ hoVw h‘Zo g^r Amdí`H$ gyMZmE§ Ed§ ñnï>rH$aU àmá {H$E h¢ Am¡a CÝh| g§VmofOZH$ nm`m h¡;

I. ~¢H$ Ho$ boZXoZ, Omo h‘mar OmZH$mar ‘| AmE h¢, ~¢H$ Ho$ A{YH$ma joÌ ‘| h¢.

J. ~¢H$ Ho$ H$m`m©b`m| Am¡a emImAm| go àmá {dda{U`m§ h‘mar boIm narjm Ho$ CÔoí` Ho$ {bE n`m©Îm nmE JE.

8. AmJo h‘ `h gy{MV H$aVo h¢ {H$:H$. Bg [anmoQ>© ‘| Om§Mo JE VwbZ nÌ Am¡a bm^ hm{Z ImVo, ImVm-~{h`m| Am¡a

{ddaUm| Ho$ gmW H$ama h¢.

I. ~¢qH$J {d{Z`‘ A{Y{Z`‘, 1949 H$s Ymam 29 Ho$ A§VJ©V emIm boIm narjH$m§o H$s [anmoQ>© h‘o AJ«o{fV H$s JB© Wr Am¡a Bg [anmoQ>© H$mo ~ZmVo g‘` Bg [anmoQ>© H$s R>rH$ go Om§M H$s JB©;

J. h‘mao {dMma ‘|, VwbZ nÌ, bm^ hm{Z boIm Am¡a ZH$Xr àdmh {ddaU boIm§H$Z ‘mZH$m§o H$m AZwnmbZ H$aVo h¢.

H¥$Vo, a‘oe gr. AJ«dmb EÊS> H§$nZr gZXr boImH$ma



H¥$Vo, gmaXm EÊS nmaroH$ gZXr boImH$ma


(à^mV Hw$‘ma n§mS>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E



ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018


31.03.2018 $H$s pñW{V Ho AZwgma

31.03.2017$H$s pñW{V Ho AZwgma

AZwgyMr é. '000' _o§ é. '000' _o§

ny§Or Am¡a Xo`VmE§

ny§Or 1 22,590,463 7,871,499

Ama{j{V`m§ Am¡a A{Yeof 2 69,437,548 68,979,899

O_mam{e`m§ 3 1,061,301,424 1,139,427,674

CYma 4 35,610,000 50,608,767

AÝ` Xo`VmE§ VWm àmdYmZ 5 19,658,527 28,417,307

Hw$b 1,208,597,962 1,295,305,146

AmpñV`m§

^maVr` {aµOd© ~¢H _o§ ZH$Xr Am¡a A{Veof 6 58,947,354 60,108,622

~¢H$m| _o§ A{Veof Am¡a _m§J na VWm Aën gyMZm na àmß` YZ 7 627,257 2,534,691

{Zdoe 8 376,095,544 397,372,257

A{J«_ 9 655,815,144 725,746,161

pñWa AmpñV`m§ 10 15,573,355 15,770,062

AÝ` AmpñV`m§ 11 101,539,308 93,773,353

Hw$b 1,208,597,962 1,295,305,146

AmH$pñ_H Xo`VmE§ 12 516,300,358 430,288,143

g§J«hU Ho {bE {~b 25,953,406 26,790,737

_hËdnyU© boIm§H$Z Zr{V`m§ 17

boIm ^mJ Ho én _o§ {Qßn{U`m§ 18

Cn`w©º ’$m°°_© _o§ Cp„{IV AZwgy{M`m§ VwbZ-nÌ $H$s A{^Þ A§J h¢.

a_oe Eg. qgh H$m`©nmbH {ZXoeH

Sm°. amOoe Hw$_ma `Xwd§er H$m`©nmbH {ZXoeH

AemoH Hw$_ma qgh {ZXoeH

Eg.gr. _wa_w {ZXoeH

Or. JmonmbH¥$îU {ZXoeH

A{_V MQOr© {ZXoeH

Sm° `emodY©Z d_m© {ZXoeH

amHo$e Hw$_ma {ZXoeH

E. ^Ðmghm. _hm à~§YH

n§H$O {_ÎmbCn _hm à~§YH

Cfm a{d _hm à~§YH






(à^mV Hw$‘ma nm§S>m)^mJrXma E‘. g§ 057140E’$.Ama.EZ. 315104E



ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018

31 _mM©, 2018 $H$s pñW{V Ho AZwgma VwbZ nÌ

VwbZ nÌ


AZwgyMr

31.03.2018H$mo g_mßV df© Ho {bE

é .'000' _o§

31.03.2017H$mo g_mßV df© Ho {bE

é. ’000’ _o§ I Am` A{O©V ã`mO 13 89,322,247 101,816,729 AÝ` Am` 14 11,635,209 12,513,985 Hw$b 100,957,456 114,330,714 II ì`` ì`` {H `m J`m ã`mO 15 64,564,120 77,733,129 n{aMmbZ ì`` 16 24,681,767 22,695,453 Cn~§Y Ed§ AmH$pñ_H VmE§ 30,943,101 22,538,380 Hw$b 120,188,988 122,966,962 III bm^ / hm{Z df© Ho {bE {Zdb bm^ (19,231,532) (8,636,248) AmJo bm`m J`m {Zdb bm^ / hm{Z 0 0 Hw$b (19,231,532) (8,636,248) IV {d{Z`moOZ gm§{d{YH Ama{j{V`mo§ _o§ A§VaU 0 0 {deof AmYma^yV Ama{j{V`mo§ _o§ A§VaU 0 0 ny§OrJV Ama{j{V`mo§ _o§ A§VaU 0 0 amOñd Ama{j{V`mo§ _o§ A§VaU 0 0 àñVm{dV bm^m§e (bm^m§e H$a g{hV) 0 0 VwbZnÌ na bo Om`m J`m eof (19,231,532) (8,636,248) Hw$b (19,231,532) (8,636,248) à{V eo¶a AO©Z (`) (‘yb) (à{V eo¶a H$m A§{H$V ‘yë¶ ` 10/- ) (18.06) (11.89) à{V eo¶a AO©Z (`) (H$‘ {H$¶m hþAm) (à{V eo¶a H$m A§{H$V ‘yë¶ ` 10/- ) (18.06) (11.88) _hËdnyU© boIm§H$Z Zr{V`m§ 17 boIm ^mJ Ho én _o§ ZmoQ 18 Cna Xr JB© AZwgy{M`m§ bm^ Ed§ hm{Z boIm Ho A{Zdm`© A§J h¢

31 _mM©, 2018 H mo g_mßV df© Ho {bE bm^ E§d hm{Z boIm




Eg.gr. _wa_w {ZXoeH


A{_V MQOr© {ZXoeH





Cfm a{d _hm à~§YH









ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018

bm^ E§d hm{Z boIm


31 _mM©, 2018 Ho$ VwbZnÌ Ho ^mJ Ho$ ê$n ‘| AZwgy{M¶m§

31.03.2018H mo g_mßV df©

Ho {bE

31.03.2017H mo g_mßV df©

Ho {bEAZwgyMr - 1 ny§Oràm{YH¥$V àËòH ` 10/-Ho _yë` dmbo 300,00,00,000 eoà 30,000,000 30,000,000Omar, A{^XÎm Am¡a àXÎm ny§Or 22,590,463 7,871,499 àËòH ` 10/- Ho _yë` dmbo 78,71,49,884 ({nNbo df© )B©p¹Qr eoàmo§ $H$s Hw b MwH Vm ny§Or{Og_o§ go 182,40,31,844 ({nNbo df© 53,96,26,896) eoà ^maV gaH ma Ho ñdm{_Ëd _o§ h¢] Hw$b 22,590,463 7,871,499 AZwgyMr - 2 Ama{j{V`m§ Am¡a A{Yeof

I gm§{d{YH Ama{j{V`m§ AWeof 16,569,006 16,569,006 df© Ho Xm¡amZ n{adY©Z 0 0 Hw$b - I 16,569,006 16,569,006 II ny§Or Ama{j{V`m§ AWeof 1,307,266 1,307,266 df© Ho Xm¡amZ n{adY©Z - 0 Hw$b - II 1,307,266 1,307,266 III nwZ_y©ë`m§H Z Ama{j{V`m§ AWeof 10,984,695 9,295,099 df© Ho Xm¡amZ n{adY©Z 0 1,689,596 df© Ho Xm¡amZ H Qm¡{V`m§ (54,484) 0 Hw$b - III 10,930,211 10,984,695 IV eoà àr{_`_ AWeof 25,697,770 22,439,927 df© Ho Xm¡amZ n{adY©Z 27,666,957 3,257,843 Hw$b - IV 53,364,727 25,697,770 V amOñd Ama{j{V`m§ AWeof 20,932,007 20,932,007 df© Ho Xm¡amZ n{adY©Z 0 0 df© Ho Xm¡amZ H Qm¡{V`m§ 0 0 Hw$b - V 20,932,007 20,932,007 VI {deof AmYma^yV Ama{j{V`m§ AWeof 3,555,300 3,555,300 df© Ho Xm¡amZ n{adY©Z 0 0 df© Ho Xm¡amZ H Qm¡{V`m§ 0 0 Hw$b - VI 3,555,300 3,555,300 VII bm^ E§d hm{Z ImVo AWeof (17,989,437) (9,353,189) df© Ho Xm¡amZ n{adY©Z (19,231,532) (8,636,248) df© Ho Xm¡amZ H Qm¡{V`m§ 0 0 Hw$b - VII (37,220,969) (17,989,437) VIII Amd§QZ Ho {bE b§{~V eoà AmdoXZ am{e 0 7,923,292 Hw$b - VIII 0 7,923,292 Hw$b (I + II + III + IV + V +VI+VII+VIII) 69,437,548 68,979,899

VwbZnÌ Ho ^mJ Ho$ ê$n ‘| AZwgy{M¶m§



é. '000' _o§


é. '000' _o§AZwgyMr - 3 O_mA I _m§J O_m

i. ~¢H mo§ go 900,879 3,605,364

ii. AÝ` go 60,135,294 69,834,776

II ~MV ~¢H O_m 364,714,880 362,385,978

III gmd{Y O_m

i. ~¢H mo§ go 37,926,999 19,456,785

ii. AÝ` go 597,623,372 684,144,771

Hw$b 1,061,301,424 1,139,427,674 ~ I ^maV _o§ pñWV emImAmo§ $H$s O_mam{e`m§ 1,061,301,424 1,139,427,674

II ^maV go ~mha pñWV emImAmo§ $H$s O_mam{e`m§ 0 0

Hw$b 1,061,301,424 1,139,427,674

AZwgyMr - 4 CYmaI ^maV _o§ CYma

i. ^maVr` {aµOd© ~¢H 8,000,000 2,750,000

ii. AÝ` ~¢H 0 0

iii. AÝ` g§ñWmE§ Am¡aA{^H aU 0 4,998,767

iv. ~m§S

H ) ZdmoÝ_oer ñWm`r G$U{bIV (AmB©.nr.Sr.AmB©.) 1,250,000 2,500,000

I) ~ogb III Ho AZwgma E.Qr. - 1 ~m§S 0 14,000,000

J) Ana {Q`a II ~m§S 0 0

K) Aà{V^yV Jm¡U G$U 14,560,000 14,560,000

S) ~ogb III Ho AZwgma {Q`a II ~m§S 11,800,000 11,800,000

II ^maV Ho ~mha go CYma 0 0

Hw$b 35,610,000 50,608,767

AZwgyMr - 5 AÝ`Xo`VmE§ Am¡a àmdYmZI Xo` {~b 3,809,066 5,010,637

II A§Va H m`m©b` g_m`moOZ ({Zdb) 0 5,182,328

III Xo` ã`mO 3,992,856 4,921,078

IV _mZH AmpñV`mo§ hoVw AmH pñ_H àmdYmZ 4,752,805 6,339,252

V AÝ` (àmdYmZ g{hV) 7,103,800 6,964,012

Hw$b 19,658,527 28,417,307

AZwgyMr - 6 ^maVr` {aOd© ~¢H _o§ZH Xr Am¡a A{Veof

I hmW _o§ ZH Xr (Bg_o§ {dXoer H ao§gr ZmoQ g{hV) 4,822,794 6,244,078

II ^maVr` {aOd© ~¢H _o§ A{Veof

I . Mmby ImVo _o§ 46,124,560 47,364,544

II. AÝ` ImVmo§ _o§ (Eb.E.E\ . Ho VhV) 8,000,000 6,500,000

Hw$b 58,947,354 60,108,622




é. '000' _o§


é. '000' _o§AZwgyMr - 7 ~¢H$m| _o§ A{Veof VWm

_m§J Ed§ Aën gyMZm na àmß` YZI ^maV _o§ I. ~¢H mo§ _o§ A{VeofH . Mmby ImVmo§ _o§ 366,357 459,491 I. AÝ` O_m ImVmo§ _o§ 0 0 II. _m§J Am¡a AëngyMZm na àmß` YZH .~¢H mo§ Ho nmg 0 0 I.AÝ` g§ñWmAmo§ Ho nmg 0 0

Hw$b - I 366,357 459,491 II ^maV Ho ~mha I. Mmby ImVmo§ _o§ 0 0 II. AÝ` O_m ImVmo§ _o§ 260,900 2,075,200 III. _m§J Am¡a Aën gyMZm na àmß`YZ 0 0

Hw$b – II 260,900 2,075,200 Hw$b (I + II) 627,257 2,534,691



é. '000' _o§ é. '000' _o§

AZwgyMr - 8 {ZdoeI ^maV _o§ {ZåZ _o§ {Zdoe

i. gaH mar à{V^y{V`m§ * 296,793,306 345,123,928

ii. AÝ` AZw_mo{XV à{V^y{V`m§ 0 0

iii. eo`a 2,509,661 3,541,027

iv. {S~o§Ma Am¡a ~mÊS 40,132,614 39,708,616

v. AZwf§Jr Am¡a/AWdm gh CÚ_ 193,319 193,319

vi. {deof gaH ma à{V^y{V EMQrE_ {Zdoe J¡a EgEbAma 28,020,000 0

vii. AÝ`

H. CÚ_ ny§Or 381753 426519

I. å`yMwAb \§ S $H$s `y{ZQo§ 0 30025

J. dm{UpÁ`H nÌ 975543 327977

K. E.Ama.gr. $H$s à{V^y{V nmdVr nÌ 6294243 6016121

‹S. O_m à_mUnÌ 747820 2004725

M. nr.Qr.gr. 47285 0

N. gr.~r.Eb.Amo. 0 8,446,644 0 8,805,367

Hw$b - I 376,095,544 397,372,257

II ^maV Ho ~mha {Zdoe 0 0

Hw$b (I + II) 376,095,544 397,372,257

gH b {Zdoe 380,395,639 401,897,691

KQmE§ :Adj`U Ho {bE àmdYmZ (4,300,095) (4,525,434)

{Zdb {Zdoe 376,095,544 397,372,257

*gr_m§V én _o§ aIo§ à{V^y{V`mo§ g{hV 14,486,300 11,270,500




é. '000' _o§


é. '000' _o§

AZwgyMr - 9 A{J«_H . i. IarXo Am¡a ^wZmE JE {~b 8,687,851 8,510,333 ii. ZH X CYma, Amoda S—mâQ Am¡a 256,138,122 339,425,454

_m§J na ^wJVmZ {H E OmZo dmbo G$U

iii. gmd{Y G$U 390,989,171 377,810,374

Hw$b - H$ 655,815,144 725,746,161

à{V^y{V dma A{J«_

I. i. _yV© AmpñV`mo§ Ûmam à{V^yV 585,792,945 641,320,461

[~hr G$Umo§ Ho g_j A{J«_mo§ g{hV]

ii. ~¢H /gaH mar àË`m^y{V`mo§ Ûmam g§a{jV 21,195,200 17,113,000

iii. Aà{V^yV 48,826,999 67,312,700

Hw$b-I 655,815,144 725,746,161

joÌ dma A{J«_

J. I. ^maV _o§ A{J«_

i. àmW{_H Vm joÌ 260,048,540 282,518,992

ii. gmd©O{ZH joÌ 68,520,830 74,446,497

iii. ~¢H mo§ H mo 5,986,649 2,227,100

iv. AÝ` H mo 321,259,125 366,553,572

Hw$b - J 655,815,144 725,746,161 II. ^maV Ho ~mha A{J«_ 0 0

Hw$b - J I + J II 655,815,144 725,746,161

AZwgyMr - 10 pñWa AmpñV`m§

H . _yV©AmpñV`m§

I. n{aga

i. nyd©dVr© df© $H$s 31 _mM© $H$s pñW{V Ho AZwgma bmJV na (nyd© dfmoª _o§ H {Vn` n{agamo§ Ho nyZ_y©ë`m§H Z Ho H maU _yë` _o§ d¥{Õ g{hV) 13,916,599 13,843,900

ii. df© Ho Xm¡amZ nwZ_y©ë`m§H Z Ho H maU n{adY©Z 0 0

iii. df© Ho Xm¡amZ n{adY©Z 22,455 72,699 iv. df© Ho Xm¡amZ H Qm¡{V`m§ 0 0 gH b ãbmH 13,939,054 13,916,599 v. AÚVZ Adj`U (1,694,400) (1,616,088)

Hw$b – I 12,244,654 12,300,511




é. '000' _o§


é. '000' _o§II. AÝ` pñWa AmpñV`m§ (\ Zr©Ma Am¡a {\ ŠgMa g{hV)i. nyd©dVr© df© $H$s 31 _mM© $H$s pñW{V Ho AZwgma bmJV na 8,231,909 7,955,776 ii. df© Ho Xm¡amZ n{adY©Z 555,420 436,893 iii. df© Ho Xm¡amZ H Qm¡{V`m§ (145,744) (160,760)gH b ãbmH 8,641,585 8,231,909 iv. AÚVZ AdjÙ (5,569,709) (4,926,845)

Hw$b – II 3,071,876 3,305,064 III H$m`© àJ{V na 81,579 24,726

Hw$b - H (I + II+III) 15,398,109 15,630,301 I. A_yV© AmpñV`m§I. H§ ß`yQa gm°âQdoà i. nyd©dVr© df© $H$s 31 _mM© $H$s pñW{V Ho AZwgma bmJV na 888,760 878,884 ii. df© Ho Xm¡amZ n{adY©Z 115,774 9,876 iii. df© Ho Xm¡amZ H Qm¡{V`m§ iv H m`m©Ýd`Z Ho AYrZ gm°âQdoà 11,669 0 v. AÚVZ n{aemoYZ (840,957) (748,999)

Hw$b -I 175,246 139,761 Hw$b Omo‹S (H +I) 15,573,355 15,770,062

AZwgyMr - 11 AÝ` AmpñV`m§I. A§Va - H m`m©b` g_m`moOZ (ewÕ) 2,868,127 0 II. Cn{MV ã`mO 10,528,667 12,462,746 III. A{J«_ én _o§ àXÎm H$a/òmoV na H$a H$Qm¡Vr (_oQ nmÌVm Ed§ ewÕ àmdYmZ g{hV) 12,375,159 12,044,319 IV. AmñW{JV H a AmpñV (ewÕ) 29,755,210 17,199,210 V. boIZ gm_J«r Am¡a ñQmån 42,165 39,836 VI. Xmdmo§ Ho {ZnQmZ ñdén àmßVJ¡a-~¢qH J AmpñV`m§ 98,600 98,600 VII. Ama.AmB©.Sr.E\ ./Ama.EM.Sr.E\ ./E_.Eg.E_.B©. nwZ©{dÎmr`Z/ E_.Eg.E_.B©. (Omo{I_ny§Or) {Z{Y 38,597,676 40,717,154 VIII. AÝ` 7,273,704 11,211,488

Hw$b 101,539,308 93,773,353

AZwgyMr - 12 AmH pñ_H Xo`VmE§ I. ~¢H Ho {déÕ Eogo Xmdo {OÝho§ G$U Ho én _o§ ñdrH ma Zht {H `m J`m h¡ 149,609,845 27,863,212II. A§eV g§XÎm eoàmo§ Ho H maU Xm{`Ëd 0 0III. ~H$m`m A{J«_ {d{Z_` g§{dXmAmo§ Ho H maU Xm{`Ëd 259,466,531 297,560,842IV. J«mhH mo§ $H$s Amoa go Xr JB© à{V^y{V`m§H ) ^maV _o§ 74,645,313 69,030,787I) ^maV go ~mha 0 0V. à{VJ«hU, n¥îRm§H Z Am¡a AÝ` ~mÜ`VmE§ 29,260,369 33,163,302VI. AÝ` Eogr _Xo§ {OZHo {bE ~¢H g§[_{lV én go CÎmaXm`r h¡ (Sr.B©.E.E\ .) 3,318,300 2,670,000

Hw$b 516,300,358 430,288,143g§J«hU Ho {bE {~b 25,953,406 26,790,737

AZwgyMr - 13 A{O©V ã`mOI. A{J«_mo§/{~bmo§ na ã`mO/~Åm 58,329,110 69,687,859 II. {Zdoemo§ na Am` 26,818,964 29,060,905 III. maVr` {aOd© ~¢H Ho A{Veofmo§ Am¡a AÝ` A§Va ~¢H {Z{Y`mo§ na ã`mO 1,019,055 370,547 IV. AÝ` 3,155,118 2,697,418

Hw$b 89,322,247 101,816,729




é. '000' _o§


é. '000' _o§

AZwgyMr - 14 AÝ` AmÌ. H _reZ, {d{Z_` Am¡a Xbmbr 2,505,449 2,275,952 II. {Zdoemo§ Ho {dHŒ ` na bm^/hm{Z(ewÕ) 4,228,365 6,319,714 III. y{_ Ed§ ^dZ VWm AÝ` AmpñV`mo§ Ho {dHŒ ` na bm^/hm{Z (ewÕ) (6,046) (3,841)IV. {dXoer {d{Z_`boZ-XoZ na bm^ (ewÕ) 454,342 330,424 V. {dXoemo§/^maV _o§ pñWV AZwf§{J`mo§/H§ n{Z`mo§/g§`wº CÚ_mo§ go bm^m§e Am{X Ho én _o§ A{O©V Am` 19,237 37,914 VI. {d{dY Am` 4,433,862 3,553,822

Hw$b 11,635,209 12,513,985

AZwgyMr - 15 ì`` {H `m J`m ã`mOI. O_mam{e`mo§ na ã`mO 59,555,504 72,130,419 II. ^maVr` {aOd© ~¢H /A§Va ~¢H CYmamo§ naã`mO 609,382 495,971 III. AÝ` 4,399,234 5,106,739

Hw$b 64,564,120 77,733,129

AZwgyMr - 16 n{aMmbZJV ì`Ì. H _©Mm{a`mo§ H mo ^wJVmZ Am¡a CZHo {bE ì`dñWm 15,874,971 14,840,846 II. {H am`m, H a Am¡a {~Obr 2,169,252 2,080,310 III. _wÐU Am¡a boIZ gm_J«r 207,735 240,394 IV. {dkmnZ Am¡aàMma 44,384 175,630 V. ~¢H $H$s g§n{Îm na AdjÙ 797,210 31,317 VI. {ZXoeH mo§ $H$s \ rg, ^Îmo Am¡a ì`` 9,956 14,375 VII. boIm narjH mo§ $H$s \ rg Am¡a ì`` (emIm Ho boIm-narjH mo§ g{hV) 119,997 140,323 VIII. {d{Y à^ma 189,831 148,130 IX. SmH IM©, Vma Am¡a Qobr\ moZ Am{X 398,960 339,158 X. _aå_V Am¡a AZwajU 471,397 337,912 XI. ~r_m 1,153,521 1,279,203 XII. AÝ` ì`` 3,244,553 3,067,855

Hw$b 24,681,767 22,695,453



AZwgyMr 17

‘hËdnyU© boIm§H$Z Zr{V`m§

17.1 boIm§H$Z H$m AmYma

~¢H$ H$s boIm§H$Z {dda{U`m§, O~ VH$ H$ht AÝ`Wm C„oI Z hmo, boIm§H$Z Ho$ CnM` AmYma na Eo{Vhm{gH$ bmJV g§H$ënZm Ho$ A§VJ©V V¡`ma H$s JB© h¢ Am¡a ^maV ‘| ñdrH¥$V ‘mZH$ boIm§H$Z na§namAm| (Or.E.E.nr) Ho$ g^r ^m¡{VH$ ‘mZX§S>m| Ho$ AZwén h¢, {Og‘| à^mdr gm§{d{YH$ àmdYmZ, ^maVr` [aOd© ~¢H$ Ûmam {ZYm©[aV {Z`§ÌH$ ‘mZX§S> / {Xem{ZXoe, bmJy hmoZo H$s gr‘m VH$, B§pñQ>Q>µ`yQ> Am°’$ MmQ>©S> EH$mC§Q>|Q> Am°’$ B§{S>`m (AmB©.gr.E.AmB©) Ûmam Omar boIm§H$Z ‘mZH$ Am¡a ^maV ‘| ~¢qH$J CÚmoJ ‘| gm‘mÝ` én ‘| àM{bV àWmE§ em{‘b h¢.

17.2 AZw‘mZm| H$m Cn`moJ

Or.E.E.nr Ho$ AZwgma {dÎmr` {dda{U`m§ V¡`ma H$aZo Ho$ {bE à~§YZ H$mo {dÎmr` {dda{U`m| H$s VmarI H$mo Xem©`r JB© AmpñV`m| Am¡a Xo`VmAm| (AmH$pñ‘H$ Xo`VmE§ g{hV) H$s aH$‘ VWm [anmoQ>© H$s Ad{Y Ho$ {bE gy{MV Am` Am¡a ì`` Ho$ {bE Hw$b AmH$bZ Am¡a YmaUm ~ZmZo H$s Amdí`H$Vm hmoVr h¡. à~§YZ `h {dœmg aIVm h¡ {H$ {dÎmr` {dda{U`m| H$s V¡`mar ‘| Cn`moJ {H$E JE AZw‘mZ {ddoH$nyU© Am¡a g§Vw{bV h¡.

17.3 {Zdoe

H$. dJuH$aU H$m AmYma

maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma g‘ñV {Zdoem| H$mo i) n[anŠdVm VH$ Ym[aV ii) {dH«$` hoVw CnbãY Am¡a iii) ì`mnma hoVw Ym[aV ‘| dJuH¥$V {H$`m J`m h¡ VWm boIm| ‘| CÝh| N> lo{U`m| ‘| ‘yë`hmg àmdYmZ Ho$ ~mX {Zdb ‘yë` na àH$Q> {H$`m J`m h¡.

I. ‘yë`-{ZYm©aU

{Zdoem| H$m ‘yë`-{ZYm©aU ^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {ZåZ{bpIV én ‘| {H$`m OmVm h¡…

AmYma

‘>n[an¹$Vm VH$ Ym[aV’ Bg loUr Ho$ A§VJ©V Ym[aV {Zdoem| H$mo ~{h`m| ‘| CZH$s AO©Z bmJV na AmJo

bo Om`m J`m h¡. `{X H$moB© àr{‘`‘ AO©Z na AXm {H$`m J`m h¡ Vmo dh grYr aoIm nÕ{V Ho$ à`moJ go n[aemo{YV {H$`m J`m h¡.

‘{~H«$s Ho$ {bE CnbãY’ VWm ‘>ì`mnma Ho$ {bE Ym[aV’ BZ {Zdoem| H$mo ~mOma Ho$ {bE nhMmZ H$aHo$ AbJ aIm OmVm h¡. àËòH$ N>

lo{U`m| Ho$ {bE ‘yë`õmg/n[adY©Z H$mo {‘bm {b`m J`m h¡. àËòH$ loUr Ho$ {bE {Zdb ‘yë`õmg `{X H$moB© hmo, H$m àmdYmZ {H$`m J`m h¡, {H$ÝVw {Zdb A{Y‘yë`Z H$mo N>mo‹S> {X`m J`m h¡.

J. H$m`©{d{Y

~¢H$ Ho$ g^r {Zdoem| H$m ‘yë`m§H$Z {Z`{‘V én ‘| Am¡gV bmJV {d{Y go {H$`m OmVm h¡. {Zdoe Ho$ ‘m‘bo ‘| C{MV à{V^y{V`m| Ho$ ~mOma ‘yë`, {~H«$s Ho$ {bE CnbãY Am¡a ì`mnma Ho$ {bE Ym[aV lo{U`m| g{hV H$mo ‘mÝ`Vm àmá ñQ>m°H$ EŠgMoÝO / `m E‘ AmB© E‘ E‘ S>r E ({’$ŠñS> BÝH$‘ ‘Zr ‘mH}$Q> VWm So>[ado{Q>d Egmo{gEeZ Am°’$ B§{S>`m) H$s ‘yë` gyMr Ho$ A§{V‘ ^md Xam| H$s ‘yë`-gyMr Ho$ AmYma na {b`m J`m h¡.

Ohm± ~mOma ^md CnbãY Z hmo Am¡a J¡a gy{MV à{V^y{V`m| Ho$ ‘m‘bo ‘| ‘yë`

H$m {ZYm©aU E’$.AmB©.E‘.E‘.S>r.E.( {Z`V Am` ‘wÐm ~mOma Am¡a ^maVr` ì`wËnÞr g§K) Ho$ gmW g§`wº$ én go Kmo{fV ‘yë`/n[an¹$Vm Am` na VWm EAmagr /Eggr H$s å`wMwAb ’§$S> H$s `y{ZQ>m|/EgAma Ho$ {Zdb AmpñV ‘yë` Ed§ H§$n{Z`m| Ho$ eoàm| Ho$ {Zdb ~hr ‘yë` Ho$ AmYma na {H$`m OmVm h¡.

joÌr` J«m‘rU ~¢H$m| ‘| eoà ny§Or O‘mam{e`m| g{hV {Zdoe Am¡a IOmZm {~b, dm{UÁ` nÌ, O‘m à‘mUnÌ, gr.~r.Eb.Amo., J«m‘rU B§’«$mñQ´ŠMa {dH$mg {Z{Y H$m ‘yë`Z M{bV bmJV na {H$`m J`m h¡.

K. Am` {ZYm©aU Ed§ {ddoH$nyU© ‘mZX§S>

~¢H$ Zo ^maVr` [aµOd© ~¢H$ Ûmam g‘` g‘` na g^r {Zdoem| Ho$ AmpñV dJuH$aU, Am` {ZYm©aU Ed§ {Zdoem| Ho$ àmdYmZ Ho$ g§~§Y ‘| V¡`ma {H$E JE {ddoH$nyU© ‘mZX§S>m| H$m AZwnmbZ {H$`m h¡.

{Zdoe boZ-XoZm| na H$‘reZ, Xbmbr, I§{S>V Ad{Y Ho$ ã`mO Am{X H$mo boZo-XoZ Ho$ df© ‘| bm^ hm{Z boIo ‘| Zm‘o / O‘m {H$`m J`m h¡.

n[an¹$Vm VH$ Ym[aV loUr Ho$ VhV {Zdoem| ‘| go {Zdoem| H$s {~H«$s go hþE bm^ H$mo bm^ Ed§ hm{Z boIo ‘| {b`m OmVm h¡ Am¡a CgHo$ ~mX Ama{jV ny§Or ImVo ‘| {d{Z`mo{OV {H$`m OmVm h¡, O~{H$ {~H«$s na hm{Z H$mo bm^ Ed§ hm{Z ImVo ‘| g‘m{hV {H$`m OmVm h¡.

17.4 A{J«‘

H$) ~¢H$ Zo AmpñV dJuH$aU Am` {ZYm©aU Am¡a A{J«‘ Ho$ {bE àmdYmZrH$aU Ho$ g§~§Y ‘| ^maVr` [aµOd© ~¢H$ Ûmam g‘` - g‘` na {ZYm©[aV {ddoH$gå‘V ‘mZX§S>m| H$m AZwgaU {H$`m h¡ VWm VXZwgma g^r A{J«‘m| H$mo ‘mZH$, Cn‘mZH$, g§{X½Y Ed§ AemoÜ` AmpñV Ho$ én ‘| dJuH¥$V {H$`m J`m h¡.

I) A{J«‘ EZ.nr.E. ImVm| Ho$ {bE àmdYmZ Ho$ gmW Xem©E JE h¢. EZ.nr.E ImVm| Ho$ g§~§Y ‘| nwZJ©{R>V ImVm| Ho$ C{MV ‘yë` ‘| {JamdQ> Ho$ ~Xbo ‘| àmdYmZ, EZ.nr.E. ImVm| Ho$ g§~§Y ‘| {d{dY ImVo ‘| eof, àmá S>r.AmB©.gr.Or.gr Xmdo/ B©.gr.Or.gr Xmdo Am¡a g‘m`moOZ hmoZo VH$ A{Z{U©V aIo JE, Am§{eH$ ^wJVmZ àmá Am¡a CM§V ImVo ‘| aIm J`m.

J) ‘mZH$ AmpñV`m| Ho$ {bE {ddoH$gå‘V ‘mZX§S>m| Ho$ AZwgaU ‘| gm‘mÝ` àmdYmZ {H$E JE h¢. ‘mZH$ AmpñV`m| na àmdYmZ Am¡a EZ.nr.E ImVm| H$s {~H«$s ‘| A{V[aº$ àmdYmZ VwbZ nÌ H$s AZwgyMr g§. 5 ‘| ‘>AÝ` Xo`VmE§ VWm àmdYmZ’> ‘| em{‘b {H$E OmVo h¢.

K) EZnrE ImVm| ‘| H$s JB© dgybr gd©àW‘ ~H$m`m ‘ybYZ ‘| g‘m`mo{OV H$s OmVr h¡ Ed§ A{Yeof am{e `{X H$moB© hmo, Vmo Cgo Am` ‘mZm OmVm h¡.

L>) AmpñV nwZ{Z©‘m©U H§$nZr (E.Ama.gr.) / à{V^y{VH$aU H§$nZr (Eg.gr.) / ~¢H$m| / {dÎmr` g§ñWmAm| / EZ.~r.E’$.gr. H$mo ~oMr JB© {dÎmr` g§n{Îm`m| Ho$ ‘m‘bm| ‘| `{X {~H«$s ‘yë` {Zdb ~hr ‘yë` (EZ.~r.dr.) AWm©V² ~hr ‘yë`-àmdYmZ go H$‘ h¡ Vmo Cgo bm^ Ed§ hm{Z ImVo ‘| So>{~Q> {H$`m J`m h¡. {X {~H«$s ‘yë` {Zdb ~hr ‘yë` go A{YH$ h¡ Vmo àmdYmZ H$s A{YH$ am{e H$mo àË`md{V©V H$aZo Ho$ ~Om` CgH$m Cn`moJ AmpñV E.Ama.gr / Eg.gr. / ~¢H$m| / E’$.AmB© / EZ.~r.E’$. gr H$mo ~oMr JB© AÝ` {dÎmr` AmpñV`m| ‘| hmoZo dmbr hm{Z H$s ânmB© hoVw {H$`m OmEJm.

nwZ-ì`dñWmnZ ‘| MyH$ Ho$ ‘m‘bo ‘|, E’$.AmB©.Q>r.Eb. ImVm| ‘| ~H$m`m H$mo E’$.AmB©.Q>r.Eb. ImVo ‘| Zm‘o S>mbZo H$m àmdYmZ h¡.



17.5 AMb AmpñV`m§ Am¡a ‘yë`õmg

H$) pñWa AmpñV`m| H$m C„oI, Ohm§ ^r nwZ‘y©ë`m§{H$V {H$`m J`m h¡, Cgo N>mo‹S>H$a Eo{Vhm{gH$ bmJV na {H$`m OmVm h¡.

I) n[aga ‘| H${Vn` g§n{Îm`m| go g§~§{YV ^y{‘ H$s Eogr bmJV em{‘b h¡ {Ogo AbJ Zht {H$`m Om gH$Vm h¡.

J) g§~§{YV AmpñV`m| Ho$ {bE H§$nZr A{Y{Z`‘ 2013 H$s AZwgyMr II Ho$ A§VJ©V {ZYm©[aV Cn`moJr OrdZ Ho$ AmYma na grYr aoIm nÕ{V Ho$ A§VJ©V AMb AmpñV`m| H$m ‘yë`õmg {H$`m OmVm h¢.

K) AmpñV`m| na Ad{eîQ> ‘yë` H$s H$Q>m¡Vr Ho$ níMmV Adj`r am{e na ‘yë`õmg à^m[aV {H$`m J`m h¡. AmpñV`m| Ho$ àËòH$ dJ© H$s ‘yb bmJV H$m 5% H$s Xa na Ad{eîQ> ‘yë` ‘mZm J`m h¡.

‹S>) df© Ho$ Xm¡amZ A{V[aŠV/{~H«$s/{dbmonZ H$s JB© AmpñV`m| na ‘yë`hmg AmpñV`m| Ho$ Cn`moJ H$s Ad{Y Ho$ {bE AZwnm{VH$ AmYma na àXmZ {H$`m OmVm h¡.

M.) nÅ>mYm[aV ^y{‘ H$s bmJV H$m n[aemoYZ, nÅ>o H$s Ad{Y hoVw {H$`m J`m h¡.

N>) nwZ‘y©ë`m§{H$V {hñgo na bJm`m J`m AdjÙ nwZ‘y©ë`m§H$Z Ama{jVr boIm na à^m[aV {H$`m J`m h¡.

O) H§$ß`yQ>a gm°ßQ>doà IMm] H$mo A‘yV© AmpñV`m§ ‘mZm J`m h¡ VWm CÝh| nm§M dfm} ‘| n[aemo{YV {H$`m J`m h¡, {Ogo CZ AmpñV`m| H$m Cn`moJr Am{W©H$ OrdZ ‘mZm OmVm h¡.

P) pñWa AmpñV`m| ‘| àJ{Verb ny§OrJV H$m`© ^r em{‘b h¡.

17.6 Angm‘mÝ` AmpñV`m§ :

pñWa AmpñV`m| H$s `{X H$moB© Angm‘mÝ` AmpñV`m§ hmo, boIm§H$Z ‘mZH$ 28 -Angm‘mÝ` AmpñV`m§, AmB©grEAmB© Ûmam Omar {ZXoem| Ho$ AZwgma {hgm~ ‘| {b`m OmVm h¡ Am¡a bm^ Am¡a hm{Z ImVo H$mo à^m[aV {H$`m OmVm h¡.

17.7 nÅ>mYm[aVm boIm§H$Z

n[aMmbZJV nÅ>m na {bE JE AmpñV`m| Ho$ {bE nÅ>o H$m ^wJVmZ , nÅ>o H$s Ad{Y Ho$ Xm¡amZ boIm§H$Z ‘mZH$ 19 - nÅ>m, AmB©.gr.E.AmB© Ûmam Omar {ZXoem| Ho$ AZwgaU ‘| bm^ Am¡a hm{Z ImVo Ho$ {hgm~ ‘| {b`m OmVm h¡.

17.8 J¡a-~¢qH$J AmpñV`m§

J¡a-~¢qH$J AmpñV`m| H$m C„oI bmJV na {H$`m OmVm h¡.

17.9 amOñd {ZYm©aU

i) gmI nÌ / ~¢H$ Jma§{Q>`m| / gaH$mar H$mamo~ma/ ~r‘m nm°{b{g`m| / å`wMwAb ’§$S> CËnmXm| Ho$ {dVaU na H$‘reZ, bm°H$a {H$am`m, H$a H$s dmngr na ã`mO, bm^m§e, å`wMwAb ’§$S>m| H$s BH$mB`m| na Am`, {H$am`m Am` VWm {d{^Þ O‘m ImVm| na godm à^ma H$mo dgybr Ho$ AmYma na {b`m OmVm h¡ .

ii) J¡a {ZînmXH$ F$Um| Ed§ A{J«‘m| na ã`mO/ Ny>Q> Am¡a A{J«‘m| / {Zdoe H$m {ZYm©aU ^maVr` [aOd© ~¢H$ Ho$ {ddoH$nyU© {Xem {ZXoem| Ho$ AZwgma dgybr H$s gr‘m VH$ {H$`m OmVm h¡.

iii) ~Å>o ImVo S>mbo Jò A{J«‘m| / {Zdoem| ‘| hþB© dgybr H$mo {d{dY Am` Ho$ én ‘| boIm§{H$V {H$`m Om ahm h¡.

17.10 ì`` H$m {hgm~

(i) maVr` [aOd© ~¢H$ Ho$ n[anÌ {XZm§H$ 22 AJñV 2008 Ho$ AZwgaU ‘|, {XZm§H$ 22.08.2008 H$mo `m CgHo$ ~mX n[an¹$ Am¡a AXÎm gmd{Y O‘m am{e`m| na Xo` ã`mO H$m {hgm~ ~MV ~¢H$ Xa na CnM` AmYma na {X`m J`m h¡.

(ii) eoàm|, ~m§S>m| Am{X Ho$ {ZJ©‘ Ho$ ì`` H$mo {Og df© ‘| ì`` {H$`m J`m Cg df© ‘| {hgm~ ‘| {b`m OmVm h¡.

(iii) dmX Xmà ImVm| Ho$ ‘m‘bm| ‘| {d{YH$ ì``m| H$mo bm^ Ed§ hm{Z boIo ‘| S>mbm OmVm h¡.

(iv) ñd¡pÀN>H$ godm{Zd¥Îm `moOZm (dr.Ama.Eg) na IM© aH$‘ H$mo ^wJVmZ dmbo df© ‘| em{‘b {H$`m OmVm h¡.

17.11 {dXoer {d{Z‘` Xam| ‘| n[adV©Zm| H$m à^md

H$) ~H$m`m dmXm {dXoer ‘wÐm g§{dXmAm| g{hV {dXoer ‘wÐm ‘m¡{ÐH$ ‘Xm| H$m ‘yë`m§H$Z ^maVr` {dXoer ‘wÐm ì`mnmar g§K (’o$S>mB©) Ûmam df© Ho$ A§V ‘| Omar Xam| na {H$`m OmVm h¡ VWm Bg àH$ma Ho$ nwZ‘y©ë`m§H$Z Ho$ ’$bñdén hmoZo dmbo bm^ Ed§ hm{Z H$mo bm^ Ed§ hm{Z boIm| ‘| Xem©`m J`m h¡.

I) {dXoer ‘wÐm J¡a - ‘m¡{ÐH$ ‘X| Omo Eo{Vhm{gH$ bmJV Ho$ AZwgma {bE JE h¢, boZ XoZ H$s VmarI H$mo {d{Z‘` Xa na Xem©B© JB© h¢.

J) Jma§{Q>`m|, gmI nÌm|, ñdrH¥${V`m|, nam§H$Zm| Am¡a {dXoer ‘wÐm H$s AÝ` ~mÜ`VmAm| H$mo ^r VwbZ nÌ ‘| Xem©Zo hoVw df© Ho$ A§V ‘| ’o$S>mB© Ûmam Omar Xam| na nwZ‘y©ë`m§{H$V {H$`m J`m h¡.

K) Am` Ed§ ì`` go g§~§{YV ‘Xm| H$mo boZ-XoZ H$s {V{W H$mo àM{bV {d{Z‘` Xam| na {ZYm©[aV {H$`m J`m h¡.

17.12 H$‘©Mmar bm^

J«oÀ`wQ>r, n|eZ Ed§ godm{Zd¥{Îm hmoZo na Xo` AdH$me ZH$XrH$aU VWm AÝ` H$‘©Mmar gw{dYmE§, AmB©.gr.E.AmB©. Ûmam Omar E.Eg 15Ama. boIm ‘mZH$m| H$s Anojm AZwgma ~r‘m§{H$V ‘yë`m§H$Z Ho$ AZwgma bm^ Am¡a hm{Z ImVo H$mo à^m[aV H$s OmVr h¢.

17.13 Am` na H$a

dV©‘mZ H$a Ho$ {bE àmdYmZ bmJy H$a H$mZyZ , Ý`m{`H$ KmofUmAm|/ {d{YH$ ‘Vm| VWm nyd© {ZYm©aUm| Ho$ AmYma na JUZm H$s JB© am{e na bmJy H$a H$s Xa H$m à`moJ H$aVo hþE {H$`m J`m h¡.

AmñW{JV H$a H$s nhMmZ EH$ Ad{Y ‘| CËnÞ H$a go Am` Am¡a boIm§H$Z Am` Ho$ ~rM Ho$ A§Va H$mo Xem©Zodmbr Am¡a EH$ `m A{YH$ VXZÝVa A§Vambm| ‘| à{VJm‘r H$s j‘Vm Ho$ AmYma na H$s OmVr h¡. AmñW{JV H$a AmpñV`m| Am¡a Xo`VmAm| H$s JUZm A{Y{Z`{‘V `m VwbZ nÌ VmarI VH$ A{Y{Z`{‘V H$a Xam| Am¡a H$a {d{Y`m| Ho$ à`moJ go {H$`m OmVm h¡.

17.14 àmdYmZ, AmH$pñ‘H$ Xo`VmE§ Am¡a AmH$pñ‘H$ AmpñV`m§

H$. boIm§H$Z ‘mZH$ 29- AmB©.gr.E.AmB© Ûmam Omar àmdYmZm|, AmH$pñ‘H$ Xo`VmAm| Am¡a AmH$pñ‘H$ AmpñV`m| Ho$ AZwgma, ~¢H$ V^r àmdYmZm| H$s nhMmZ H$aVm h¡ O~ nyd© {H$gr KQ>Zm Ho$ H$maU Cgo dV©‘mZ ‘| H$moB© ~mÜ`Vm hmo, `h g§^mdZm hmo gH$Vr h¡ {H$ g§gmYZm| Ho$ ~{h©J‘Z go ~mÜ`Vm H$m {ZnQ>mZ hmo OmE Am¡a ~mÜ`Vm H$s aH$‘ H$m {dœñV AZw‘mZ bJm`m Om gH$Vm h¡.

I. AmH$pñ‘H$ Xo`VmAm| H$m àH$Q>Z Eogo ‘m‘bo ‘| {H$`m OmVm h¡ O~ dV©‘mZ `m ^{dî` ‘| ~mÜ`Vm h¡ Am¡a `h g§^mdZm Zht h¡ {H$ CgHo$ {ZnQ>mZ Ho$ {bE g§gmYZm| Ho$ ~{hJ©‘Z H$s Amdí`H$Vm n‹S>o.

J. AmH$pñ‘H$ Xo`VmAm| H$mo Z hr {hgm~ ‘| {b`m h¡ Am¡a Z hr CgH$m àH$Q>Z {H$`m h¡.



AZwgyMr - 18

boIm ^mJ Ho ên _o§ {Qßn{U`m±

18.1 A§Va emIm / A§Va ~¢H boZ-XoZ Ho A§VJ©V à{dpîQ`mo§ H m g_m`moOZ, Zm{_H ImVm VWm nwamZr à{dpîQ`mo§ H r à{H«$`m àJ{V na h¡. ^maVr` {aµOd© ~¢H / AÝ` ~¢H mo§ Ho gmW eof H m g_m`moOZ {H m J`m h¡. Hw N _m_bmo§ _o§ Hw N à{dpîQ`mo§ Ho g_m`moOZ H m H m`© ~mH r h¡. Cna Xr JB© b§{~V g_`moOZ H r _Xmo§ H m n{aUm_r à^md {Züo` Zht h¡. VWm{n, Ama.~r.AmB©. {Xem-{ZXo©emo§ Ho AZwgma BgHo à{VHy b dhm§ àmdYmZ {H m J`m h¡.

18.2 maVr` {aµOd© ~¢H Ho g§emo{YV {Xem{ZXo©emo§ Ho AZwgma, ImVmo§ _o§ _mZH AmpñV`mo§ na {ZåZ AZwgma àmdYmZ {H E JE h¢ :

i. H¥ {f VWm bKw Ed§ _Ü`_ CÚ_ (Eg.E_.B©.) joÌ Ho àË`j A{J«_mo§ na ~H m`m G$U H m 0.25%.

ii. dm{UpÁ`H ñWm`r g§nXm (gr.Ama.B©.) goŠQa VWm Eogo _m_bmo§ _o§ Ohm§ n{aMmbZ H r VmarI ~‹TmB© JB© h¡, ~H m`m am{e H m 1.00%.

iii. dm{UpÁ`H ñWmda g§nXm Ho A{J«_mo§ na 0.75% - Amdmgr` J¥h joÌ.

iv. {a`m`Vr Xamo§ na ~H m`m Amdmg G$U H m 2.00%

v. AÝ` g^r A{J«_mo§ (AWm©V Cn`w©º 18.2 i, ii, iii, Am¡a iv H mo Nmo‹SH a) _o§ ~H m`m G$U H m 0.40%

vi. nwZJ©RZ n¡Ho O Ho AZwgma AZw_V G$U ñWJZ _o§ em{_b Ad{Y Ho {bE 5% Am¡a nwZJ©{RV _mZH ImVmo§ _o§ CgHo 2 df© Ho ~mX.

vii. Ama~rAmB© {ZXo©e Ho AZwnmbZ _o§ Hw N _mZH AmpñV`mo§ na CÀM àmdYmZ 10% Am¡a 15% H r Xa go {H m J`m h¡.

viii. E_.Eg.E_.B©. CYmaH Vm©Amo§ Ho {bE Or.Eg.Qr. H m bm^ CRmZo hoVw 5%

ix. maVr` {aOd© ~¢H Ho {ZXo©emZwgma EgSrAma ImVmo§ Am¡a n§Om~ Am¡a Vob§JmZm gaH ma na E\ grAmB© EŠgnmoOa Ho g_j A{V{aº àmdYmZ {H m J`m h¡

18.3 1022 J¡a-boIm nar{jV emImAmo§ Ho A{J«_mo§ Ho dJr©H aU VWm CZHo {bE {H E JE àmdYmZmo§ H mo emIm à~§YH mo§ Ûmam {XE JE à_mU nÌmo§ Ho AZwgma em{_b {H m J`m h¡.

18.4 df© Ho Xm¡amZ, ~¢H H mo 1923.15 H amo‹S (JV df© 863.62 H amo‹S) H m ZwH gmZ CRmZm n‹Sm h¡, {OgH r AZwgyMr 2 Ama{jV Am¡a A{Yeof Ho VhV bm^ Am¡a hm{Z ImVm Ho {bE AJbo bm^ go KmQm-ny{V© H r JB© h¡. Bgo XoIVo hwE, ~¢H Zo Ama{jV ny§Or g{hV {H gr ^r Ama{jV Ho {bE H moB© am{e {d{Z`mo{OV Zht H r h¡.

18.5 ^maVr` {aOd© ~¢H Ho {Xem{ZXo©emo§ Ho AZwgma àH QZ Bg àH ma h¡…

H ny§Or :

{dÎmr` df© 2017-18 Ho Xm¡amZ,

1) XoZm ~¢H Zo ^maVr` à{V^y{V Ed§ {d{Z_` ~moS© (ny§Or {ZJ©_ àH QZ AnojmE§) {d{Z`_, 2009 Ho AÜ`m` IV Ho AZwgma maV gaH ma (Or.Amo.AmB©.) H mo A{Y_mZr AmYma na é 26.99 à{V eoà (é 16.99 à{V eoà Ho àr{_`_ g{hV) H r H r_V na àËòH é 10 Ho A§{H V _yë` dmbo Hw b é 3045 H amo‹S Ho 112,81,95,628 B©p¹Qr eoà Omar {H E h¡.

2) ~¢H Zo ^maVr` à{V^y{V Ed§ {d{Z_` ~moS© (ny§Or {ZJ©_ àH QZ AnojmE§) {d{Z`_, 2009 Ho AZwgma Ah©VmàmßV g§ñWmJV ñWmnZ (Š`y.AmB©.nr.) Ho A§VJ©V é 29.20 à{V eoà (é 19.20 à{V eoà Ho àr{_`_ g{hV) H r H r_V na àËòH é 10 Ho A§{H V _yë` dmbo Hw b é 401.26 H amo‹S Ho 13,74,18,819 B©p¹Qr eoà Omar {H E h¡.

3) ~¢H H mo Bp¹Qr eoàmo§ Ho b§{~V Amd§QZ go Hw b é 792.33 H amo‹S H r eoà AmdoXZ am{e àmßV hwB© Wr. {dÎmr` df© 2016-17 _o§ {OgH r VwbZm _o§ ~¢H Zo é 38.41 à{V eoà H r H r_V na é 10/- Ho A§{H V _yë` dmbo (é 28.41 à{V eoà Ho àr{_`_ g{hV), ^maV gaH ma Ho nÌ E\ .g§. 7/38/2014-~r.Amo.E. {XZm§H 4 AJñV 2017 Ho Ûmam AZw_moXZ H r àmpßV Ho ~mX {dÎmr` df© 2017-18 Ho Xm¡amZ go~r (AmB©.gr.Sr.Ama.) {d{Z`_, 2009 Ho AÜ`m` VII Ho AZwgma A{Y_mZr AmYma na, ^maV gaH ma H mo 15,62,09,320 Bp¹Qr eoà, ^maVr` OrdZ ~r_m {ZJ_ H mo 4,48,65,702 Bp¹Qr eoà Am¡a ^maVr` gmYmaU ~r_m H§ nZr H mo 52,06,977 Bp¹Qr eoàmo§ H m Amd§QZ {H m J`m.

4) {d{Z`m_H H«$` {dH ën H m à`moJ H aZo Ho ~mX Ama{jV, Jm¡U, An{adV©Zr` ~ogb III AZwnmbZ A{V{aº Qrà I ~m°ÝSmo§ Ho {bE ~¢H Zo Hw b é 1,400 H amo‹S Ho CYma H r MwH m¡Vr H r h¡.

HŒ. gBD$.

{ddaU 31.03.2018 Ho AZwgma 31.03.2017 Ho AZwgma

~ogb III ~ogb II ~ogb III ~ogb II

i gm_mÝ` B©p¹Qr Qrà 1 ny§Or AZwnmV (%) 8.81 - 7.24 -ii Qrà 1 ny§Or n`m©ßVVm AZwnmV (%) 8.81 7.39 9.05 7.97iii Qrà 2 ny§Or n`m©ßVVm AZwnmV (%) 2.28 4.31 2.34 4.10iv ny§Or n`m©ßVVm AZwnmV (grAmaEAma) (%) 11.09 11.70 11.39 12.07v ~¢H _| ^maV gaH$ma H$s eo¶aY{aVm à{VeV 80.74% 80.74% 68.55% 68.55%vi OwQmB© JB© B©p¹Qr ny§Or H r am{e (é H amo‹S _o§) àr{_`_ g{hV 3,446.26 3446.26 1,199.33 1199.33vii OwQmB© JB© A{V{aº Qrà 1 ny§Or H r am{e {Og_o§ go

nr.EZ.gr.nr.Eg.

nr.Sr.AmB©.

eyÝèyÝ`

eyÝèyÝ`

eyÝèyÝ`

eyÝèyÝ`



viii Qrà 2 ny§Or H r OwQmB© JB© am{e

{Og_o§ go

G$U ny§Or {bIV (` H amo‹S _o§)

A{Y_mZ eoà ny§Or {bIV : ~o_r`mXr g§M`r A{Y_mZr eoà (nr.gr.nr.Eg.)/ à{VXo`

J¡a-g§M`r A{Y_mZr eoà (Ama.EZ..gr.nr.Eg.) / à{VXo` g§M`r A{Y_mZr eoà

(Ama.gr.nr.Eg.)

eyÝèyÝ`

eyÝ` eyÝ`

400eyÝ`

400eyÝ`

~¢H Zo Ama~rAmB© Ho n{anÌ g§. Sr~rAma.~rnr.~rgr.83 / 21.06.201 / 2015-16 Ûmam `Wm {ZYm©{aV grB©Qr 1 ny§Or Ho {bE nwZ_y©ë`Z Ama{jV Am¡a AmñW{JV H a AmpñV`mo§ na {dMma {H m h¡.

I {Zdoe

{ddaU (é. H amo‹S _o§)

1 {Zdoe H$m _yë` 31.03.2018 31.03.2017

(i) {Zdoe H m gH b _yë`

(H ) ^maV _o§ 38,039.56 40,189.77

(I) ^maV go ~mha 0.00 0.00

(ii) _yë`õmg Ho {bE àmdYmZ

(H ) ^maV _o§ 430.01 452.54

(I) ^maV go ~mha 0.00 0.00

(iii) {Zdoe H m {Zdb _yë`

(H ) ^maV _o§ 37,609.55 39,737.23

(I) ^maV go ~mha 0.00 0.00

2. {Zdoe na _yë`õmg Ho {bE aIo JE àmdYmZ _o§ KQ-~‹T

(i) AW eof(ii) Omo‹So§ : df© Ho Xm¡amZ {H m J`m àmdYmZ(iii) KQmE§ : df© Ho Xm¡amZ Smbo JE ~Åo ImVo(iv) KQmE§ : EM.Qr.E_. _o§ A§V{aV E.E\ .Eg./EM.E\ .Qr. loUr Ho VhV {Zdoe Ho A§{H V _yë` H mo H _ H a Ho g_m`mo{OV _yë`õmg(v) KQmE§ : df© Ho Xm¡amZ A{V{aº àmdYmZ H m à{VboIZ(vi) A§{V_ eof

452.54218.54

0.00226.3214.75

430.01

118.33334.21

0.000.000.00

452.54

i. {Zdoe g§{d^mJ H r loUrdma Ym{aVm H r pñW{V {ZåZ àH ma h¢ :

(é. H amo‹S _o§)

lo{U`m§ 31.03.2018 31.03.2017{Zdoe Hm gHb _yë`

H . n{an¹Vm VH Ym{aV 25,459.05 25,872.85

I. {~H«$s Ho {bE CnbãY 12,579.19 13,911.25

J. ì`mnma Ho {bE Ym{aV 1.32 405.67

Hw b 38,039.56 40,189.77

KQmE§ _yë`õmg 430.01 452.54

{Zdoe H$m {Zdb _yë` 37,609.55 39,737.23



ii. aonmo boZ-XoZ (A§{H V _yë` Ho g§X^© _o§) :


{ddaU df© Ho Xm¡amZ Ý¶yZV_ eof

df© Ho Xm¡amZ A{YH V_ eof

df© Ho Xm¡amZ X¡{ZH Am¡gV eof

31.03.18 H mo ~H m`m

aonmo Ho A§VJ©V ~oMr JB© à{V^y{V`m§i. gaH mar à{V^y{V`m§ii. H mnmo©aoQ G$U à{V^y{V`m§

100.000.00

800.000.00

58.560.00

800.000.00

gaH$mar à{V^y{V¶m§ H$m°anmoaoQ> F$U à{V^y{V¶m§ à{VdVu aonmo Ho$ A§VJ©V IarXr JB© à{V^yVr62.000.00

2,700.000.00

718.110.00

800.000.00

iii. J¡a-gm§{d{YH Mb{Z{Y AZwnmV {Zdoe g§{d^mJ :

1. J¡a-gm§{d{YH Mb{Z{Y AZwnmV {Zdoemo§ H r OmarH Vm© g§aMZm (31.03.2018 H mo):

(é. H amo‹S _o§ )

H«$.g§ Omar H Vm©(1)

aH _(2)

{ZOr {Z`moOZ H m ñVa(3)

{Zdoe loUr go H _ dmbr à{V^y{V`mo§

H m ñVa(4)

J¡a aoqQJ dmbr à{V^y{V`mo§ H m ñVa

(5)

J¡a gyMr~Õ à{V^y{V`mo§ H m ñVa

(6)1 gmd©O{ZH joÌ Ho CnH«$_ 2,303.25 1,995.20 0.00 0.00

2 {dÎmr` g§ñWmE§ 1,031.77 996.78 0.00 1.20

3 ~§H 97.17 67.50 0.00 0.00

4 {ZOr H mnmo©aoQ 1,384.82 1,281.87 0.02 0.02

5 ghm`H / g§`wº CÚ_ 19.33 19.33 18.28 18.28

6 AÝ` 3,485.40 3,485.40 0.00 0.00

7 Cn Omo‹S 8,321.74 7,846.08 18.30 19.50

8 KQmE§ : _yë`õmg hoVw {H m J`m àmdYmZ 391.52

9 Hw b 7,930.22 7846.08 18.30 19.50

2. J¡a-{ZînmXH J¡a-EgEbAma {Zdoe :


{ddaU 2017-18 2016-17AW eof 160.29 115.92

df© Ho Xm¡amZ n{adY©Z 2.51 45.77

Cn`w©º Ad{Y Ho Xm¡amZ KQmd 1.28 1.40

B{V eof 161.52 160.29

Hw b {H m J`m àmdYmZ 151.77 141.42

EM.Qr.E_. g§dJ© go / H mo A§VaU Am¡a {dH«$`

i. df© Ho àma§^ _o§ EM.Qr.E_. loUr _o§ Ym{aV {Zdoemo§ H m ~hr _yë` EM.Qr.E_. loUr go / H mo A§V{aV à{V^y{V`mo§/ {dH«$` H r H r_V 5% go A{YH Wr. ~¢H Zo EM.Qr.E_. go é 2118.74 H amo‹S (8.19%) Ho ~hr _yë` dmbr à{V^y{V`mo§ H r {~H«$r H r Wr. ~¢H H m EM.Qr.E_. nmoQ©\ mo{b`mo 1 Aà¡b 2017 H mo é 25872.85 H amo‹S Wm. {XZm§H 31.03.2018 H mo EM.Qr.E_. nmoQ©\ mo{b`mo H m ~hr _yë` Am¡a ~mOma _yë` H«$_e… é 25459.05 H amo‹S Am¡a é 25233.66 H amo‹S h¢. ~hr _yë` ~mOma _yë` go é 225.39 H amo‹S go A{YH h¡ {OgHo {bE EM.Qr.E_. nmoQ©\ mo{b`mo Ho H maU àmdYmZ Zht {H m J`m h¡.

ii. ~¢H Zo df© Ho Xm¡amZ n{an¹Vm VH Ym{aV loUr Ho VhV dJr©H¥ V à{V^y{V`mo§ Ho {bE é 73.13 H amo‹S ({nNbo df© é 62.15 H amo‹S) H m boIm§H Z Zr{V 17.3 Ho AZwgma n{aemoYZ {H m h¡. Cº aH _ H mo bm^ Ed§ hm{Z ImVo _o§ à^m{aV {H m J`m h¡ VWm g§~§{YV à{V^y{V`mo§ Ho _yë` H mo Cg gr_m VH H _ H a {X`m J`m h¡.

iii. maVr` {aµOd© ~¢H Ûmam Omar {Xem{ZXo©emo§ Ho AZwgma ~¢H Zo df© Ho Xm¡amZ à{V^y{V`mo§ H r EH loUr go AÝ` loUr _o§ \o a~Xb {H m h¡. à{V^y{V`mo§ H mo {~H«$r Ho {bE CnbãY loUr go n{an¹Vm VH Ym{aV loUr _o§ n{adV©Z Ho H maU Hw b é 376.87 H amo‹S _o§ go é 226.32 H amo‹S H r aH _ _mM© 2017 H mo {Ogo nhbo hr _yë`õmg Ho én _o§ àXmZ {H m J`m Wm, {Ogo àmdYmZ ImVo go g_m`mo{OV {H m J`m h¡ Am¡a eof é 150.55 H amo‹S H mo bm^ Am¡a hm{Z ImVo go hm{Z Ho én _o§ g_m`mo{OV {H m J`m h¡, é 376.84 H amo‹S ({nNbo df© é 10.21 H amo‹S) VH H r am{e Ho Eogo A§VaU nadVr© Adj`U H mo BZ à{V^y{V`mo§ Ho A§{H V _yë` _o§ H _r H aVo hwE bm^ Ed§ hm{Z ImVo _o§ à^m{aV {H m J`m h¡.



iv. ~¢H Zo CgHo Ûmam àm`mo{OV EH joÌr` J«m_rU ~¢H _o§ é 19.33 H amo‹S ({nNbo df© é 19.33 H amo‹S) H m {Zdoe {H m h¡. {Og_o§ go é 18.28 H amo‹S ({nNbo df© é 18.28 H amo‹S) H m {Zdoe joÌr` J«m_rU ~¢H mo§ Ho nwZnyªOrH aU hoVw eoà ny§Or O_mam{e`mo§ Ho én _o§ h¢ .{Zdoe H mo ^maVr` {aOd© ~¢H Ho {Xem{ZXo©emo§ Ho AZwgma bmJV na _yë`m§{H V {H m J`m h¡.

v. maVr` {aOd© ~¢H Sr.~r.Ama.g§..~r.nr.~r.gr.102/21.04.048/2017-18 {XZm§H 2 Aà¡b, 2018 Ho AZwgma, E.E\ .Eg. Am¡a EM.E\ .Qr. {Zdoemo§ na é 110.36 H amo‹S Ho Hw b {Zdb ~mµOma _yë` H mo ~hr _o§ A§{H V H aZo H r hm{Z _o§ go ~¢H Zo {dÎmr` df© 2017-18 _o§ é 38.49 H amo‹S _yë`õmg Xem©`m h¡ Am¡a é 71.87 H amo‹S H r eof am{e H mo AJbo VrZ {V_m{h`mo§ _o§ g_mZ ên go Xem©E OmZo Ho {bE AmñW{JV H a {X`m h¡

18.6 ì`wËnÞ :

H dm`Xm Xa H ama / ã`mO Xa ñd¡n

H«$. g§. {ddaU 2017-18 2016-17I ñd¡n g_Âmm¡Vo H$m H$pënV _yë` eyÝ` eyÝÌI g_Âmm¡Vo Ho A§VJ©V `{X à{VnjH ma AnZo AZw~§Ymo§ H mo nyam H aZo _o§ Ag\ b aho Vmo, hmoZodmbr hm{Z`m§ eyÝ` eyÝÌII ñd¡n H$ama H$aZo na ~¢H Ûmam Ano{jV g§nm{œ©H à{V^y{V eyÝ` eyÝÌV ñd¡n go hmoZodmbo G$U Omo{I_ H$m g§H|$ÐrH$aU eyÝ` eyÝ`V ñd¡n ~hr H$m C{MV _yë` eyÝ` eyÝ`

I {d{Z_` ì`mnm{aV ã`mO na ì`wËnÞ

H«$. g§. {ddaU 2017-18 2016-17I df© Ho Xm¡amZ {bE JE {d{Z_` ì`mnm{aV ã`mO na ì`wËnÞ Hr am{e H$m H$pënV _yë` ({bIVdma) eyÝ` eyÝÌI 31 _mM© 2015 H mo {d{Z_` ì`mnm{aV ã`mO na ì`wËnÞ H r am{e H m H pënV _yë` ~H m`m ({bIVdma) eyÝ` eyÝ`

IIIdf© Ho Xm¡amZ {bE JE {d{Z_` ì`mnm{aV ã`mO na ì`wËnÞ H$s am{e H$m H$pënV _yë` Am¡a CÀM à^mdr Zht ({b{IVdma)

eyÝ` eyÝ`

IV{d{Z_` ì`mnm{aV ã`mO na ì`wËnÞ H$s am{e H$m H$pënV _yë` ~H$m`m H$s ~mOma AmYm{aV _yë` Am¡a CÀM à^mdr Zht ({bIVdma)

eyÝ` eyÝ`

J ì`wËnÞ _o§ Omo{I_ gr_m H m àH QZ :

i. JwUmË_H àH QZ

~¢H H r amOH mofr Zr{V VWm ì`wËnÞ Zr{V _o§ {dÎmr` ì`wËnÞ {bIV Ho àH ma, CZHo Cn`moJ H r g§^mdZm, CgHo AZw_moXZ H r à{H«$`m VWm Iwbr pñW{V gr_m, ì`mnma AmH ma H r gr_m, VWm à{Vnj H m G$U O¡gr gr_mAmo§ VWm AZw_mo{XV {bIVmo§ _o§ ì`mnma Ho {bE àË`m`mo{OV A{YH ma {XE JE h¢.

~¢H H mo gmI Omo{I_, ~mOma Omo{I_, Xoe Omo{I_ VWm n{aMmbZ Omo{I_ hmo gH Vm h¡. ~¢H H r {ZXoeH _§Sb Ûmam AZw_mo{XV Omo{I_ à~§YZ Zr{V`m§ h¢ Omo{H ì`mnma ~{h`mo§ _o§ {Z`{_V én _o§ hmoZodmbo boZXoZmo§ Ho {bE {dÎmr` Omo{I_ _mnZo hoVw V¡`ma H r JB© h¢. Omo{I_ à~§YZ {d^mJ _mnH CnH aU O¡go E_.Qr.E_, dr.E.Ama, CÎmbVm VWm g§emo{YV Ad{Y Am¡a g§doXZerbVm {díbofU X¡{ZH AmYma na Am¡a _m{gH AmYma na VZmd narjU, drEAma ~¢H QopñQ§J Ho _mÜ`_ go boZXoZmo§ Ho {bE {dÎmr` Omo{I_ H r _mn H aVm h¡. {anmoQ© erf© à~§YZ H mo àñVwV H r OmVr h¡ Omo{H Omo{I_ H r _mÌm Ho ~mao _o§ E.Eb.gr.Amo. H mo AdJV H amVo h¢. ^maVr` {aOd© ~¢H , \o SmB© VWm E\ .AmB©.E_.E_.Sr.E. Ûmam g_` g_` na Omar {Xem{ZXoemo§ H m nmbZ {H m OmVm h¡.

ii. n{a_mUmË_H àH QZ


HŒ.g {ddaU 2017-18 2016-17

‘wÐm ì¶wáÞ ‘wÐm ì¶wáÞ ‘wÐm ì¶wáÞ ‘wÐm ì¶wáÞ(i) ì`wËnÞ (H pënV _yb aH _)

H ) {dÎmr` hm{Z go ~Mmd Ho {bEI) ì`mnma Ho {bE

25,946.6919,234.976,711.68

eyÝèyÝèyÝ`

29,756.0819,714.7410,041.34

eyÝèyÝèyÝ`

(ii) ~mOma pñW{V H$m ~hr _o§ A§H$Z

H ) AmpñV (+) (-)3.67 eyÝ` (-)708.73 eyÝ`

I) Xo`Vm (-) 6.80 eyÝ` 737.21 eyÝ`(iii) G$U Omo{I_ 147.68 eyÝ` 183.15 eyÝ`(iv) ã`mO Xa _o§ EH à{VeV Ho n{adV©Z H r g§^mdZm (100*nr.dr.01) 82.79 eyÝ` 90.59 eyÝ`

H ) {dÎmr` hm{Z go ~Mmd ì`wËnÞ na 69.34 eyÝ` 60.01 eyÝ`

I) ì`mnma ì`wËnÞ na 13.44 eyÝ` 30.58 eyÝ`



(v) df© Ho Xm¡amZ 100* nr.dr. 01 H m A{YH V_ 117.71 eyÝ` 114.00 eyÝ`

H ) {dÎmr` hm{Z go ~Mmd na 99.15 68.42

I) ì`mnma na 18.56 45.58

df© Ho Xm¡amZ 100* nr.dr. 01 H m Ý`yZV_ 82.79 eyÝ` 80.00 eyÝ`

H ) {dÎmr` hm{Z go ~Mmd 69.34 eyÝ` 54.73 eyÝ`

I) ì`mnma na 13.44 eyÝ` 25.27 eyÝ`

1. ~¢H Ho nmg A§VanUZ, {ZYrH aU VWm ì`mnma boZ-XoZ AmdaH Am¡a ñdny§Or Q—oqSJ J{V{d{Y`mo§ Ho {bE {H E JE dm`Xm g§{dXm O¡go ì`mnma dm`Xm g§{dXm Am¡a A§Va ~¢H g§{dXm Ho A{V{aº ì`wËnÞ boZ-XoZ Zht h¡.

2. ~¢H {dÎmr` hm{Z go ~Mmd VWm ì`mnma H r pñW{V Ho {bE Ì¡_m{gH AmYma na g§J«{hV ên go ~H m`m dm`Xm {d{Z_` g§{dXm Ho nr.dr.01 H r g§JUZm H aVm h¡.

18.7 AmpñV JwUdÎmm :

H$ J¡a {ZînmXH AmpñV`m§ : (é. H amo‹S _o§)

{ddaU 2017-18 2016-17

i. {Zdb A{J«_mo§ H r VwbZm _o§ {Zdb J¡a {ZînmXH AmpñV`m§ (%) 11.95 10.66

ii. J¡a {ZînmXH AmpñV`mo§ _o§ KQ-~‹T (gH b)

AW eof 12618.73 8560.49

df© Ho Xm¡amZ n{adY©Z 6008.47 6767.37

df© Ho Xm¡amZ H _r 2265.76 2709.13

B{V eof 16361.44 12618.73

iii. {Zdb J¡a {ZînmXH AmpñV`mo§ _o§ KQ-~‹T

AW eof 7735.12 5230.47

df© Ho Xm¡amZ n{adY©Z 3819.56 4574.40

df© Ho Xm¡amZ H _r 3715.90 2069.75

B{V eof 7838.78 7735.12

i. J¡a - {ZînmXH AmpñV`mo§ Ho {bE àmdYmZ _o§ KQ-~‹T (_mZH AmpñV`mo§ Ho {bE {H E JE àmdYmZ Ho A{V{aº)

AW eof 4877.67 3322.32

µOmo‹So§ : df© Ho Xm¡amZ {H m J`m àmdYmZ 4281.80 2457.75

KQmE§: df© Ho Xm¡amZ A{V{aº àmdYmZmo§ H mo ~Åo SmbZm/nwZam§H Z H aZm

679.39 902.40

B{V eof 8480.08 4877.67

I AmpñV nwZ©{Z_m©U Ho {bE à{V^y{VH aU/nwZ©{Z_m©U H§ nZr H mo ~oMr JB© {dÎmr` AmpñV`mo§ Ho {ddaU…


{ddaU 2017-18 2016-17i. ImVmo§ H r g§»`mii. Eg.gr./Ama.gr. H mo ~oMo JE ImVmo§ H m Hw b _yë` (àmdYmZ H mo KQmH a)iii. Hw b à{V\ biv. {nNbo dfmoª _o§ AÝV{aV ImVmo§ Ho g§~§Y _o§ àmßV A{V{aº à{V\ bv. {Zdb ~hr _yë` na Hw b bm^ (EZ.~r.dr. )*

798.70

286.490.00

187.79

22247.99324.49

0.0076.50



J IarXr /~oMr JB© J¡a-{ZînmXH {dÎmr` AmpñV`mo§ H m {ddaU

i IarXr JB© J¡a-{ZînmXH {dÎmr` AmpñV`mo§ Ho {ddaU :


{ddaU 2017-18 2016-17df©$ Ho Xm¡amZ IarXo JE ImVmo H$s g§»¶m eyÝ` eyÝ`

Hw$b ~H$m¶m eyÝ` eyÝ`

BZ_o§ go, df© Ho Xm¡amZ nwZJ©{RV ImVmo§ H r g§»`m eyÝ` eyÝ`


ii ~oMr JB© J¡a-{ZînmXH {dÎmr` AmpñV`mo§ H m {ddaU :


{ddaU 2017-18 2016-17~oMo JE ImVmo H$s g§»¶m eyÝ` eyÝ`


àmá Hw$b à{V’$b eyÝ` eyÝ`

K àmdYmZ H daoO AZwnmV (nr.gr.Ama.)

{ddaU 2017-18 2016-17àmdYmZ H$daoO AZwnmV 60.20% 50.56%

VwbZ nÌ H r VmarI H mo àmdYmZ H daoO AZwnmV 60.20% h¡ {OgH r JUZm ^maVr` {aOd© ~¢H Ho n{anÌ g§. Ama.~r.AmB©.2009-10/240 Sr.~r.Amo.Sr..g§..~r.nr..~r.gr..64/21.4.048/2009-10 {XZm§H 01.12.2009 Ho AZwgma H r JB© h¡. nr.gr.Ama. na {XZm§H Aà¡b 21, 2011 Ho ^m.{a.~¢. Ho n{anÌ g§. Sr.~r.Amo.Sr. g§.~r.nr.~r.gr.87 /21.04.048 /2010-11 H r eVmoª Ho AZwgma é 1930.66 H amo‹S ({nNbo df© é 3041.43 H amo‹S) H r H _r H m à{VMH«$r` A{V{aº àmdYmZ H m {Z_m©U ~¢H Ûmam `WmerKŒ {H m OmZm h¡.

S> à{V^y{V H§ n{Z`m§ (Eg.gr.) / nwZ{Z©_mU H§ n{Z`m§ (Ama.gr.) H mo AZO©H AmpñV`mo§ (EZnrE) H r {~H«$r go g§~§{YV A{V{aº àH QrH aU Amdí`H VmE§.

Ama.~r.AmB©. n{anÌ g§.Ama~rAmB©/2014-15/508 S>r~rAma g§.~rnr~rgr.78/21.04.048/2014-15 {XZm§H _mM© 20, 2015 Ho AZwgma, Eg.gr. Am¡a Ama.gr. Ho {bE EZnrE H r {~H«$r H m {ddaU {ZåZmZwgma h¡…:


{ddaU gwajm agrX ‘| {Zdoe H$m ~hr _yë¶

2017-18 2016-17A§V{Z©{hV ên _o§ ~¢H Ûmam ~oMo JE EZnrE Ho g_W©Z go 638.86 611.06

AÝ` ~¢H$m| / {dÎmr` g§ñWmAmo§ / A§V{Z©{hV ên _o§ J¡a ~¢qH$J {dÎmr` H§$n{Z`mo§ Ûmam ~oMo JE EZnrE Ho g_W©Z go eyÝ` eyÝ`

Hw b 638.86 611.06

M Ama.~r.AmB©. n{anÌ g§. Ama~rAmB©/2014-15/508 S>r~rAma g§.~rnr~rgr. 78/21.04.048/2014-15 {XZm§H _mM© 11, 2015 Ho AZwgma, {dÎm df© 2016-17 Ho Xm¡amZ, ~¢H Zo EZnrE {~H«$r Ho H maU eyÝ¶ A{V{aº àmdYmZ H mo à{VdVr©V H a {X`m h¡.

N> YmoImY{‹S`mo§ _o§ J{V{d{Y(é. H amo‹S _o§)

2017-18 2016-17

g§»¶m am{e g§»¶m am{eAW eof 576 1675.09 533 1207

Omo‹So§: df© Ho Xm¡amZ {anmoQ© {H m J`m 28 147.08 43 468.09

H _: df© Ho Xm¡amZ ~§X 0 0.00 0 0

A§{V_ eof 604 1822.17 576 1675.09

O ImÚ G$U EŠgnmoOa: ^maVr` ImÚ {ZJ_ (E\ grAmB©) H mo ImÚ G$U _o§ ~¢H H m g_J« EŠgnmoOa é 568.97 H amo‹S (JV df© é 917.37 H amo‹S) Wm. BZ_o§ go, n§Om~ gaH ma (OrAmonr) Ho {bE Omo{I_ 327.85 H amo‹S (JV df© é 339.78 H amo‹S) Wm. n§Om~ gaH ma Ho ~H m`m ImÚ G$U Am¡a ñQm°H Ho _yë` Am¡a àmpßV`mo§ Ho ~rM A§Va Wm {OgHo {bE Z Vmo n§Om~ gaH ma Am¡a Z hr E\ grAmB© Xm{`Ëd H mo ñdrH ma H a aho Wo. Ama~rAmB© Zo g{Md, ì`` {d^mJ, {dÎm _§Ìmb` H mo AnZo nÌ {XZm§H



12.04.2016 Ûmam n§Om~ gaH ma H mo ~H m`m ImÚ G$U na _mM© 2017 VH 15% Ho àmdYmZ H aZo Ho {bE gy{MV {H m. VËnümV ^maVr` {aOd© ~¢H Ho nÌ g§»`m Sr.~r.Ama. (~r.nr.) g§»`m 3992/21.04.048/2016-17 {XZm§H 03.10.2016 Ho Ûmam AÜ`j H mo gy{MV {H m J`m {H OZdar 2018 Ho nümV àmdYmZmo§ H m CÞ`Z Am¡a à{VboIZ Ho {bE ImVm nmÌ hmoJm ~eVo© {H Bg {d{Z{X©îQ Ad{Y Ho Xm¡amZ H m`©-{ZînmXZ g§VmofOZH hmo. VWm{n CÞ`Z Ho nümV {ddoH Ho _m_bo _o§ Bg nwZJ©{RV G$U Ho Xm¡amZ ~¢H mo§ Ûmam 5% H m {d{eîQ àmdYmZ ~ZmE aIm OmZm Mm{hE. VXZwgma, ~¢H Zo ~H m`m am{e Ho AnZo eoàmo§ na 5% H r Xa go é 16.39 H amo‹S ({nNbo df© é 50.9 7 H amo‹S) H m àmdYmZ {H m h¡

BgHo A{V{aº, {XZm§H 27.03.2018 Ho ghm`Vm g§K H r ~¡RH Ho H m`©d¥Îm Ho AZwgma, AJ«Ur ~¢H Eg.~r.AmB©. Zo gy{MV {H m {H Vob§JmZm gaH ma H mo ImÚ G$U EŠgnmoOa Ho _m_bo _o§, eoàmo§ Ho n`m©ßV _yë` H r H _r Ho H maU, Vob§JmZm gaH ma ImÚ G$U ImVo H mo Ama.~r.AmB©. Ûmam {Z`_ {dn{aV _mZm J`m Wm Am¡a ^maVr` {aOd© ~¢H Ûmam gy{MV {H m J`m h¡ {H ~H m`m am{e na 15% Ho {ddoH nyU© àmdYmZ H mo ~ZmE aIm OmE. VXZwgma, ~¢H Zo ~H m`m eof Ho AnZo eoàmo§ na 15% H r Xa go é 5.65 H amo‹S ({nNbo df© é eyÝ`) H m àmdYmZ {H m h¡.

P maVr` {aOd© ~¢H Zo AnZo n{anÌ g§ Sr.~r.Ama.g§»`m ~r.nr.~r.gr.101/21.04.048/2017-18 Ho {XZm§H 12 \ adar 2018 Ho Ûmam X~mdJ«ñV AmpñV`mo§ Ho g_mYmZ na g§emo{YV énaoIm Omar H r h¡. g§emo{YV énaoIm Ho AZwgaU _o§ ~¢H Zo é 827.77 H amo‹S Ho J¡a-{Zînm{XV {d{eîQ 12 ImVmo§ H mo dJr©H¥ V {H m h¡ Am¡a VXZwgma é 286.33 H amo‹S Ho Eogo X~mdJ«ñV ImVmo§ Ho {bE àmdYmZ {H m h¡. {XZm§H 31.03.2018 H mo X~mdJ«ñV AmpñV`mo§ go g§~§{YV ^maVr` {aOd© ~¢H Ho n{anÌ {XZm§H 12.02.2018 H m à^md {ZåZmZwgma h¡:

é H amo‹S _o§

ImVmo§ H$s g§»¶m am{e g§emo{YV {Xem{ZXo©emo§ Ho H maU A{V{aº

àmdYmZg§emo{YV {Xem{ZXo©emo§ Ho H maU EZ.nr.E. _o§ ñbrnoO hwE ImVo 12 827.77 212.23

{OZ ImVm| H$mo {XZm§H$ 12.02.2018 Ho nhbo H$m¶m©pÝdV {H$¶m J¶m Wm do ImVo _mZH h¢ 3066 3307.44 eyÝ`

11. maVr` {aOd© ~¢H Ho {Xem{ZXo©emo§ Ho AZwgma nÌ g§»`m Sr.~r.Ama.g§.~r.nr.~r.gr.100/21.04.048/2017-18 {XZm§H 07 \ adar, 2018 Ho Ûmam dñVw Ed§ godm H a (Or.Eg.Qr.), Ho A§VJ©V n§OrH¥ V E_.Eg.E_.B©. CYmaH Vm©Amo§ H mo amhV hoVw 50 E_.Eg.E_.B©. CYmaH Vm© ImVo§ ({XZm§H 31.03.2018 H mo é 51.14 H amo‹S H r ~H m`m eof) amhV Ho àmdYmZmo§ Ho A§VJ©V H da hoVw nmÌ h¢, ~¢H H mo 5% AWm©V é 2.55 H amo‹S H m àmdYmZ H aZm Wm. VXZwgma _mM© 2018 H mo g_mßV {V_mhr Ho Xm¡amZ é 2.55 H amo‹S H m àmdYmZ {H m J`m h¡.

18.8 _mZH AmpñV`mo§ Ho {bE àmdYmZ :

(é H amo‹S _o§)

{ddaU 2017-18 2016-17df© Ho Xm¡amZ _mZH AmpñV`mo§ Ho {bE {H m J`m àmdYmZ (158.64) 51.11

VwbZ nÌ H r {V{W H mo _mZH AmpñV`mo§ Ho {bE àmdYmZ H m eof 475.29 633.93

18.9 H mamo~ma AZwnmV :

{ddaU 2017-18 2016-17i. H m`©H mar {Z{Y`mo§ Ho à{VeV Ho én _o§ ã`mO H r Am` 7.38% 7.87%

ii. H m`©H mar {Z{Y`mo§ Ho à{VeV Ho én _o§ J¡a ã`mO Am` 0.96% 0.97%

iii. H m`©H mar {Z{Y`mo§ Ho à{VeV Ho én _o§ n{aMmbZ JV bm^ 0.97% 1.07%

iv. AmpñV`mo§ na à{V\ b -1.59% -0.67%

v. à{V H _©Mmar H mamo~ma (O_m VWm A{J«_) (é H amo‹S _o§) 13.25 13.69

iv. à{V H _©Mmar bm^ (é bmImo§ _o§) -14.13 -6.18



18.10 AmpñV Xo`Vm à~§YZ :

AmpñV Ed§ Xo`VmAmo§ H r {Z{üV _Xmo§ H r n{an¹Vm H m ñdén :

(é H amo‹S _o§)

{ddaU {XZ1

2 go 7 {XZ

8 go 14 {XZ

15 go 30 {XZ

31 {XZ go 2 _mh VH

2 _mh go A{YH

Am¡a 3 _mh VH

3 _mh go A{YH 6 _mh VH

6 _mh go A{YH 12

_mh VH

1 df© go A{YH 3 df© VH

3 df© go A{YH 5 df© VH

5 df© go A{YH

Omo‹S

O_mam{e 174.13 1662.97 1478.06 2398.51 3394.91 6433.19 11375.74 20917.44 25246.03 14010.19 19038.96 106130.14

CYma 0.00 400.00 0.00 400.00 0.00 106.00 0.00 200.00 300.00 0.00 2155.00 3561.00

A{J«_ 198.84 1310.16 1435.90 727.23 1951.87 1369.51 4102.88 3295.83 24134.49 6442.51 20612.29 65581.51

{Zdoe 0.00 200.47 126.54 82.28 81.98 83.78 109.11 2032.78 2415.11 5126.99 27350.51 37609.55

{dXoer _wÐm AmpñV`m§ 62.72 74.44 31.29 75.01 184.48 516.26 280.47 8.68 0.00 0.00 0.00 1233.34

{dXoer ‘wÐ Xo¶VmE§ 79.88 5.53 5.77 9.34 32.58 24.04 116.77 340.00 336.92 35.26 0.00 986.08

18.11 G$U:

1. ^yg§nXm joÌ H mo G$U :

(é H amo‹S _o§)

loUr 2017-18 2016-17H . àË`j G$Ui. Amdmgr` ~§YH - àmW{_H Vm joÌ Ho A§VJ©V em{_b H aZo Ho {bE nmÌ d¡`{ºH Amdmg G$U - AÝ`

4081.634056.40

3297.873752.21

Hw b 8138.03 7050.08ii. dm{UpÁ`H ^yg§nXm,dm{UpÁ`H ^yg§nXm (H m`m©b` ^dZ, IwXam ñWb, ~hwCÔoer` dm{UpÁ`H n{aga, ~hw Amdmgr` ^dZ, ~hw {H amòXma dm{UpÁ`H n{aga, Am¡Úmo{JH `m JmoXm_ ñWmZ, hmoQb, ^y{_ A{YJ«hU, {dH mg Am¡a {Z_m©U Am{X) na ~§YH Ûmam gwa{jV G$U.EŠgnmoOa _o§ J¡a {Z{Y AmYm{aV (EZE\ ~r) gr_mE§ ^r em{_b hmoJr.

719.19 1228.33

iii ~§YH g_{W©V à{V^y{V`mo§ _o§ {Zdoe (E_.~r.Eg.) Am¡a AÝ` à{V^y{VH¥ V G$UH . AmdmgrÌ. dm{UpÁ`H ^yg§nXm

0.000.00

0.000.00

I. amîQ—r` Amdmg ~¢H (EZ.EM.~r.) Am¡a Amdmgr` {dÎm H ån{Z`mo§ (EM.E\ .gr.) _o§ AàË`j {Zdoe

{Z{Y AmY{aV 3963.02 2508.73

J¡a-{Z{Y AmYm{aV 0.00 0.00

^yg§nXm joÌ Ho$ Hw$b F$U 12820.24 10787.14

2. ny§Or ~mOma _o§ {Zdoe:

(é H$amoS> ‘|)

HŒ. g§. {ddaU 2017-18 2016-17

1 Bp¹Qr eoàmo§/ n{adV©Zr` ~§YnÌmo§, n{adV©Zr` {S~o§Mamo§ Am¡a Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r `y{ZQmo§ _o§ àË`j {d{ZYmZ {OgH r _yb {Z{Y H mnmo©aoQ G$U _o§ {Zdoe Zht H r JB© h¡

50.04 63.35

2 Bp¹Qr eoàmo§/ (AmB©.nr.Amo./ B©.Eg.Amo.nr.Eg. g{hV) ~m§Smo§ Am¡a {S~o§Mamo§ `m AÝ` à{V^y{V`mo§ Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r `y{ZQmo§ _o§ {Zdoe Ho {bE ì`{º`mo§ H mo eoàmo§ na `m {Z~©ÝY AmYma na A{J«_

0.09 0.05

3 AÝ` {H gr à`moOZ Ho {bE A{J«_ Ohm§ n{adV©Zr` eoàmo§ `m n{adV©Zr` ~m§Smo§ `m n{adV©Zr` {S~o§Mamo§ `m Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r `y{ZQmo§ H mo àmW{_H à{V^y{V Ho én _o§ {b`m J`m h¡.

0.18 0.07

4 eoàmo§ H r g§nm{œ©H à{V^y{V `m n{adV©Zr` ~m§Smo§ `m n{adV©Zr` {S~o§Mamo§ `m Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r `y{ZQmo§ Ûmam à{V^yV gr_m VH AÝ` {H gr à`moOZ Ho {bE A{J«_ AWm©V² Ohm§ eoàmo§/n{adV©Zr` ~m§Smo§/n{adV©Zr` {S~o§Mamo§/Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r àmW{_H à{V^y{V A{J«_mo§ H mo nyar gwajm àXmZ Zht H aVr h¡.

eyÝ¶ 0.00



5 eoà Xbmbmo§ H mo à{V^yV VWm Aà{V^yV A{J«_ Ed§ eoà Xbmbmo§ VWm eoà g§VwbZH Vm©Amo§ H r Amoa go Omar H r JB© Jma§{Q`m§.

0.00 40.00

6 g§gmYZmo§ Ho àmßV hmoZo H r àË`mem _o§ ZB© H§ n{Z`mo§ H r Bp¹Qr _o§ àdV©H Ho A§eXmZ H mo nyam H aZo Ho {bE eoàmo§/~m§Smo§/{S~o§Mamo§ H r à{V^y{V`mo§ na `m AÝ` {Z~©ÝY AmYma na H§ nZr H mo ñdrH¥ V G$U.

0.00 0.00

7 Ano{jV Bp¹Qr àdmh / {ZJ©_mo§ na H§ n{Z`mo§ H mo nyaH G$U. 0.00 0.00

8 eoàmo§ Ho àmW{_H {ZJ©_ `m n{adV©Zr` ~m§Smo§ `m n{adV©Zr` {S~o§Mamo§ `m Bp¹Qr CÝ_wI nmañn{aH {Z{Y`mo§ H r `y{ZQmo§ Ho g§~§Y _o§ ~¢H mo§ Ûmam H r JB© hm_rXmar à{V~ÕVm.

0.00 0.00

9 _m{O©Z ì`mnma Ho {bE eoà Xbmbmo§ Hmo {dÎmnmofU. 0.00 0.00

10 CÚ_ ny§Or {Z{Y`mo§ (n§OrH¥ V Am¡a J¡a n§OrH¥ V XmoZmo§) H mo {XE JE g^r G$U 39.80 44.34

ny§Or ~mOma H mo Hw b G$U 90.11 147.81

18.12 Omo{I_ loUr dma Xoe {dÎm :

1. {dXoer _wÐm boZ XoZmo§ Ho g§~§Y _o§, ^maVr` {aOd© ~¢H Ho {Xem{ZXo©emo§ Ho AZwgma, Ohm§ àËòH Xoe Ho {bE n{aH {bV {Z{Y AmYm{aV Omo{I_ ~¢H H r Hw b AmpñV`mo§ Ho 1% go A{YH h¢ ~¢H H mo CZHo {bE àmdYmZ H aZm h¡. {H gr ^r Xoe _o§ ~¢H Ho {Zdb {Z{YH G$U Hw b AmpñV`mo§ Ho 1 % go A{YH Zht h¡, H moB© ^r àmdYmZ ({nNbo df© eyÝ`) Zht {H m J`m h¡.

(é H amo‹S _o§)

Omo{I_ g§dJ©*

31/03/2018 H mo EŠgnmoOa ({Zdb)

31/03/2018 H mo àmdYmZ Ym{aV

31/03/2017 H mo EŠgnmoOa ({Zdb)

31/03/2017 H mo àmdYmZ Ym{aV

ZJÊ` 258.12 0.00 311.96 0.00

{ZåZ Omo{I_ 162.12 0.00 195.77 0.00

_m_ybr Omo{I_ 8.36 0.00 12.37 0.00

CÀM Omo{I_ 16.16 0.00 0.00 0.00

A{V CÀM Omo{I_ 0.00 0.00 0.25 0.00

à{V~§{YV 0.00 0.00 0.00 0.00

~§X CYma 0.00 0.00 0.00 0.00

Hw b 444.76 0.00 520.34 0.00

2. ~¢H Ûmam EH b CYmaH Vm© gr_m (Eg.Or.Eb.) / g_yh CYmaH Vm© gr_m (Or.~r.Eb.) go A{YH G$U Ho {ddaU

df© 2017-18 Ho Xm¡amZ, g_yh ImVo/EH b CYmaH Vm© Ho g§X^© _o§ ~¢H Zo {ddoH nyU© G$U gr_m go A{YH G$U Zht {X`m h¡.

18.13 à{V^yV a{hV A{J«_

(é H amo‹S _o§)

gB© {ddaU 2017-18 2016-171. {XZm§H 31.03.18 H mo Hw b Aa{jV A{J«_ 5282.70 6,731.27

2 A {OZ‘o go A_yV© à{V^y{V Ûmam àmá 0.00 0.00

2 ~ Eogr g§nm{œ©H à{V^y{V`mo§ H m AZw_m{ZV _yë` ( O¡go A{YH ma, bmBgo§g, àm{YH aU Am{X na à^ma) 0.00 0.00

3 AÝ` Aa{jV G$U (1-2H ) 5282.70 6,731.27

18.14 ^maVr` {aµOd© ~¢H Ûmam bJmò Jò Ow_m©Zo H m àH QrH aU

Bg {dÎmr` df© Ho Xm¡amZ ~¢H Zo ^maVr` {aµOd© ~¢H H mo H moB© X§S Zht âm h¡ ({nNbo df© eyÝ`).

18.15 boIm§H Z _mZH mo§ (E.Eg.) Ho AZwgma àH QrH aU :

1. boIm§H Z _mZH - 5 - Ad{Y Ho {bE {Zdb bm^ Ed§ hm{Z, {nNbr Ad{Y H r _Xo§ VWm boIm§H Z Zr{V`mo§ _o§ n{adV©Z

E.Eg. -5 Ho A§VJ©V àH QrH aU H r Amdí`H Vm dmbo nyd© Ad{Y H r Am` / ì`` _Xmo§ H r H moB© gm_J«r Zht Wr

3. boIm§H Z _mZH 9 - amOñd {ZYm©aU

_X g§.17.9. _o§ {H E JE C„oI Ho AZwgma boIm§H Z Zr{V _o§ Am` H r Hw N _Xo§ dgybr AmYma na {ZYm©{aV H r JB© h¡.



4. boIm§H Z _mZH 10 - pñWa AmpñV`mo§ Ho {bE boIm§H Z

n{aga _o§ A{YJ«{hV Xmdmo§ H r g§VwpîQ _o§ é 9.86 H amo‹S ({nNbo df© é 9.86 H amo‹S) H r J¡a-~¢qH J g§n{Îm em{_b Zht h¡. g§~§{YV AmpñV`mo§ Ho {bE H§ nZr A{Y{Z`_ 2013 Ho AZwgyMr - 2 Ho A§VJ©V {ZYm©{aV Cn`moJr OrdZ Ho AmYma na grYr H Qm¡Vr àUmbr Ho AZwgma AMb g§n{Îm`mo§ H m _yë`õmg {H m OmVm h¡.

6. boIm§H Z _mZH 11 - {dXoer _wÐm Xamo§ _o§ n{adV©Z H m à^md

df© 2017 - 18 Ho {bE {d{Z_` A§Va go hwB© {Zdb Am` é 45.43 H amo‹S ({nNbo df© `33.04 H amo‹S) bm^ hm{Z boIm _o§ O_m H r JB© h¡.

7. boIm§H Z _mZH 15 - H _©Mmar bm^

AmB©.gr.E.AmB©. Ûmam Omar boIm§H Z _mZH mo§ Ho AZwgma {ZåZ{b{IV gyMZmE§ àH Q H r JB© h¡

HŒ g§ {ddaU 2018 2017 2016 2015 2014H. no§eZ `moOZm(i) _yb ~r_m§{H H AZw_mZ Cn`moJ _o§ bmE JE h¢.

NyQ Xa{Z`moOZ AmpñV`mo§ na à{V\ b H r Xa.doVZ d¥{Õ

7.69%7.45%5.00%

7.50%8.06%5.00%

8.00%9.00%5.00%

8.00%9.00%5.00%

8.75%9.00%5.00%

(ii) bm^ Xm{`Ëd _o§ n{adV©Zdf© Ho Ama§^ _o§ Xo`VmE§.ã`mO bmJVdV©_mZ godm bmJVàXÎm bm^~r_m§{H H (bm^) / Xm{`Ëd na hm{Z.df© Ho A§V _o§ Xo`VmE§

2896.12 211.14

165.62[300.88]381.32

3353.32

2481.75175.55341.29

[282.22]179.75

2896.12

2158.66161.01228.43

[292.09]225.74

2481.75

1917.94144.85210.93

[214.78]99.72

2158.66

1761.94149.98202.02

[190.88][5.12]

1917.94(iii) {Z`moOZ AmpñV`mo§ H m C{MV _yë`:

df© Ho Ama§^ _o§ C{MV _yë`Ano{jV à{V\ bA§eXmZàXÎm bm^{Z`moOZ AmpñV`mo§ na ~r_m§{H H bm^ / (hm{Z)df© Ho A§V _o§ C{MV _yë`

2953.13220.01481.40

[300.88]8.60

3362.26

2654.04213.92365.92

[282.22]1.47

2953.13

2230.81200.77506.80

[292.09]7.75

2654.04

1767.44159.06450.37

[214.77]68.71

2230.81

1606.82144.61183.54

[190.87]23.34

1767.44(iv) VwbZ nÌ _o§ em{_b aH _

df© Ho A§V _o§ Xo`Vmdf© Ho A§V _o§ {Z`moOZ AmpñV`mo§ H m C{MV _yë`A{ZYm©{aV n{adVr© Xo`VmVwbZ nÌ _o§ {ZYm©{aV aH _

3353.323362.26

0.00 8.94

2896.122953.13

0.0057.01

2481.752654.04

0.00172.29

2158.662230.81

0.0072.15

1917.941767.44

70.80[79.70]

I. J«oÀ`wQr `moOZm(i) _yb ~r_m§{H H AZw_mZ Cn`moJ _o§ bmE JE h¢

{SñH mC§Q Xa{Z`moOZ AmpñV`mo§ na à{V\ b H r Xa.doVZ d¥{Õ

7.75%8.18%5.00%

7.50%8.78%5.00%

8.00%9.00%5.00%

8.00%9.00%5.00%

8.75%9.00%5.00%

(ii) bm^ Xm{`Ëd _o§ n{adV©Z :df© Ho Ama§^ _o§ Xo`VmE§.ã`mO bmJVdV©_mZ godm bmJVnyd© godm bmJVàXÎm bm^{Z`moOZ AmpñV`mo§ na ~r_m§{H H bm^ / (hm{Z)df© Ho A§V _o§ Xo`Vm

332.4523.869.140.00

[49.19][0.40]

315.86

311.8821.6323.090.00

[46.84]22.69

332.45

280.3016.7717.090.00

[57.42]55.14

311.88

277.7620.3915.350.00

[45.76]12.56

280.30

311.1225.8517.060.00

[47.68][28.59]277.76



HŒ g§ {ddaU 2018 2017 2016 2015 2014(iii) {Z`moOZ AmpñV`mo§ Ho C{MV _yë`

df© Ho Ama§^ _o§ C{MV _yë`Ano{jV à{V\ bA§eXmZàXÎm bm^{Z`moOZ AmpñV`mo§ na ~r_m§{H H bm^ / (hm{Z)df© Ho A§V _o§ C{MV _yë`

332.8427.2333.66

[49.19][4.38]

340.16

277.6124.3775.84

[46.84]1.86

332.84

302.9722.7216.23

[57.42][6.89]

277.61

309.8227.880.00

[45.77]11.04

302.97

276.0324.8457.10

[47.68][0.47]

309.82(iv) VwbZ nÌ _o§ em{_b aH _

df© Ho A§V _o§ Xo`Vmdf© Ho A§V _o§ {Z`moOZ AmpñV`mo§ H m C{MV _yë`A{ZYm©{aV bmJVA{ZYm©{aV n{adVr© Xo`VmVwbZ nÌ _o§ {ZYm©{aV am{e

315.86340.16

0.0072.6096.90

332.45332.84

0.000.000.39

311.88277.61

0.000.00

[34.27]

280.30302.97

0.000.00

22.67

277.76309.82

0.000.00

48.06

dV©_mZ df© Ho {bE J¡«À`wQr Am¡a no§eZ `moOZm Ho g§~§Y _o§ bm^ Am¡a hm{Z ImVo _o§ _mÝ`Vm àmßV am{e

(é H amo‹S _o§)

HŒ. g§.

{ddaU J«¡À`wQr no§eZ

(i) `moOZm AmpñV`mo§ na dmñV{dH à{V\ b`moOZmJV AmpñV`mo§ na g§^m{dV à{V\ b`moOZm AmpñV`mo§ na dmñV{dH bm^ / (hm{Z)`moOZm AmpñV`mo§ na dmñV{dH à{V\ b

27.23(4.38)22.85

220.018.60

228.61(ii) Am` {ddaU _o§ _mÝ`Vm àmßV ì``:

dV©_mZ godm bmJVã`mO bmJV`moOZm AmpñV`mo§ na g§^m{dV bm^~r_m§{H H (bm^) `m hm{Z{ZYm©{aV n{adVr© Xo`Vmbm^ Ed§ hm{Z _o§ {ZYm©{aV ì``

9.1423.86

(27.23)3.98

24.2033.95

165.62211.14

(220.01)372.72

0.00529.47

{d{^Þ XrK©H m{bH H _©Mmar bm^mo§ Ho {bE {H E JE àmdYmZmo§ H m {ddaU Bg àH ma h¡:

(é H amo‹S _o§)

HŒ_ g§.

{ddaU 2017-18 2016-17

1 no§eZ 529.30 481.20

2 AdH me ZH XrH aU (9.51) 7.46

3 J¡«À`wQr 33.95 41.18

4 {gëda Ow~br (0.01) 0.04

5 nwZdm©g (0.19) 0.13

6 AdH me `mÌm {a`m`V 0.28 0.66

Hw b 553.82 530.67

i. ~r_m§{H H _yë`m§H Z Ho AmYma na H _©Mmar bm^mo§ AWm©V² no§eZ, J«oÀ`wQr, AdH me ZH XrH aU Am¡a boIm§H Z _mZH E.Eg.-15 (g§emo{YV) Ho AZwgma H _©Mm{a`mo§ Ho {bE AÝ` bm^mo§ Ho {bE àmdYmZ {H m J`m h¡.

ii. Ama.~r.AmB©. Ho nÌ g§»`m Sr.~r.Ama.g§.~r.nr.9730/21.04.018/2017-18 {XZm§H 27 Aà¡b, 2018 Ho AZwgma, CnXmZ A{Y{Z`_ (^maV gaH ma H r A{YgyMZm {XZm§H 29.03.2018 Ho AZwgma) Ho ^wJVmZ _o§ hmb hr _o§ {H E JE g§emoYZ Ho AZwgma CnXmZ gr_m _o§ d¥{Õ Ho H maU é 96.80 H amo‹S H r Hw b A{V{aº Xo`Vm _o§ go, ~¢H Zo {dÎmr` df© 2017-18 _o§ é 24.20 H amo‹S Xem©`m h¡ Am¡a é 72.60 H amo‹S H r eof am{e H mo g_mZ ê$n go {nNbr VrZ {V_m{h`mo§ _o§ àX{e©V {H E OmZo Ho {bE AmñW{JV {H m h¡.



8. boIm§H Z _mZH 17 - I§S {anmoqQ©J:

boIm§H Z _mZH -17 na ^maVr` {aOd© ~¢H Ho g§emo{YV {Xem{ZXo©emo§ Ho AZwgma, ~¢H Ho n{aMmbZmo§ H mo àmW{_H IÊS {Og_o§ amOH mof H mnmo©aoQ / g§nyU© ~¢qH J, {aQob ~¢qH J em{_b h¡ Am¡a AÝ` ~¢qH J n{aMmbZ _o§ {ZåZmZwgma dJr©H¥ V {H m J`m h¡.

^mJ H : H mamo~ma IÊS

(é H amo‹S _o§)

H$mamo~ma I§S> amOH$moof H$m°nm}aoQ> / g§nyU© ~¡§{H§$J {aQob ~¡§{H§$J AÝ¶ ~¡§{H§$J n[aMmbZ Hwb

{ddaU

dV©_mZ df© {nNbo df©$ dV©_mZ df© {nNbo df©$ dV©_mZ df© {nNbo df©$ dV©_mZ df© {nNbo df©$ dV©_mZ df© {nNbo df©

amOñd 3211.00 3791.92 3569.14 4812.40 2649.22 2339.90 666.39 488.85 10095.75 11433.07

n{aUm_ 602.56 625.73 (2785.90) (1094.84) (293.62) (150.61) 404.55 369.52 (2072.41) (250.20)

J¡a Am§~{QV ì`` 1106.34 1025.15

n{aMmbZJV bm^ (3178.75) (1275.36)

Am`H a (1255.60) (411.73)

AgmYmaU bm^/hm{Z

{Zdb bm^ (1923.15) (863.63)

AÝ` gyMZmE§

IÊS AmpñV`m§ 43,794.66 46289.51 39877.13 44,612.88 26909.94 29199.74 5734.21 6120.82 116315.94 126222.95

J¡a Am§~{QV AmpñV`m§ 4543.86 3307.57

Hw b AmpñV`m§ 120859.80 129530.52

IÊS Xo`VmE§ 47654.43 50361.23 39394.47 43388.41 24307.52 27103.37 85.04 827.65 111441.46 121680.66

à¶wº$ n§yOr 9202.80 7685.15

J¡a Am§~{QV Xo`VmE§ 215.54 164.71

Hw b Xo`VmE§ 120859.80 129530.52

^mJ I : ^m¡Jmo{bH IÊS

(é H amo‹S _o§)

Kaoby A§VaamîQ—r` Hw b

31.03.2018 31.03.2017 31.03.2018 31.03.2017 31.03.2018 31.03.2017amOñd 10095.75 11433.07 eyÝ` eyÝ` 10095.75 11433.07

AmpñV`m§ 120859.80 129530.52 eyÝ` eyÝ` 120859.80 129530.52

{QßnUr…

1) IÊS n{aUm_ A§Va IÊS bmJV Ho H maU g_m`moOZ Ho nümV V¡`ma {H o J`o h¢, {OÝho§ ~¢H Ûmam {ZYm©{aV H r OmZo dmbr AÝVaU _yë` ì`dñWm Ho AmYma na _mZ {b`m J`m h¡.

2) H pënV AÝVa dJ© AmpñV`mo§, Xo`VmAmo§ Am¡a amOñd H mo Nmo‹S {X`m J`m h¡.

3) amOH mof n{aMmbZ _o§ ~¢H Ho g§nyU© amOH mof {Zdoe nmoQ©\ mo{b`mo H m g_mdoe h¡.

4) J¡a Am~§{QV Xo`VmAmo§ _o§ ny§Or Ed§ Ama{j{V`m§ em{_b h¢.



9. boIm§H Z _mZH - 18 - g§~§{YV njH ma ì`dhma

_X/ g§~§{YV njHma àdV©H (ñdm{_Ëd `m {Z`§ÌH Ho AZwgma)

AZwf§{J¶m gh`moJr/ g§`wº Omo{I_

à_wI ~§YZ H$m{‘©H$

à_wI ~§YZ H$m{‘©H$ Ho g§~§{YV

Hw b

CYma - - - - - -

O_mE§ - - 644.50(796.77)

- - 644.50(796.77)

O_mAmo§ H m {Z`moOZ - - - - - -

A{J«_ - - 594.35(342.72)

- - 594.35(342.72)

{Zdoe - - 2.00(2.00)

2.00(2.00)

J¡a-{Z{Y à{V~ÕVmE§ - - - - - -

nÅmXm`r/ Cn`moJ H r JB© EM.nr. ì`dñWm - - - - - -

nÅmXm`r / CnbãY H amB© JB© EM.nr. ì`dñWm - - - - - -

AMb g§n{Îm`mo§ H r IarX - - - - - -

AMb g§n{Îm`mo§ H r {~H«$r - - - - - -

Sr.Or.Or.~r. Ûmam àXÎm ã`mO - - 10.91 (6.91)

- - 10.91 (6.91)

Sr.Or.Or.~r.(AmB©.~r.nr.gr.) Ûmam àmß` ã`mO - - 3.86(7.14)

- - 3.86(7.14)

Sr.Or.Or.~r. Ûmam àmß` ã`mO - - 44.93 (72.28)

- - 44.93 (72.28)

Sr.Or.Or.~r. Ûmam {Qà II ~m°ÊSmo§ na àmß` ã`mO 0.18(0.18)

0.18(0.18)

àXmZ H r JB© godmE§ * - - - - - -

br JB© godmE§ * - - - - - -

à~§YZ g§{dXmE§ * - - - - - -

(H moîRH _o§ {Xò JE Am§H ‹So {nNbo {dÎmr` df© 2016-17 Ho h¢.)

* Sr.Or.Or.~r Ûmam Omar AmB©.~r.nr.gr. _o§ XoZm ~¢H Zo énò 594.35 H amo‹S ({nNbo df© 342.72 H amo‹S) _o§ go Omo{I_-^mJrXmar AmYma na é eyÝ` ({nNbo df© é 120.00 H amo‹S ) H r ^mJrXmar H r h¡ Omo àmW{_H joÌ H mo {Xò Jò {d{dY G$Umo§ H mo Xem©Vr h¡

XoZm ~¢H Ûmam Omar AmB©.~r.nr.Eg. _o§ Sr.Or.Or.~r. Zo Omo{I_-^mJrXmar AmYma na é eyÝ` ({nNbo df© é 120.00 H amo‹S) H r ^mJrXmar H r h¡ Omo J¡a-àmW{_H joÌ H mo {Xò Jò {d{dY G$Umo§ H mo Xem©Vr h¡.



à_wI à~ÝYZ H m{_©H

Zm_ nXZm_ nXZm_ _X Ad{Y am{e (é bmImo§ _o§) G$U aH _ (é bmImo§ _o§)

lr AœZr Hw$‘ma AÜ¶j Ed§ à~§Y {ZXoeH doVZ n{abpãY`m§ Ed§ àmoËgmhZ am{e

01.04.2017 go 31.12.2017

21.23 eyÝ`

lr_Vr V¥îUm Jwhm H$m¶©nmbH$ {ZXoeH doVZ n{abpãY`m§ Ed§ àmoËgmhZ am{e

01.04.2017 go 31.08.2017

10.05 eyÝ`

lr a_oe Eg. qghH$m¶©nmbH$ {ZXoeH doVZ n{abpãY`m§ Ed§

àmoËgmhZ am{e01.04.2017 go 31.03.2018

23.31 19.77

Sm°. amOoe Hw$_ma ¶Xþd§erH$m¶©nmbH$ {ZXoeH doVZ n{abpãY`m§ Ed§

àmoËgmhZ am{e09.10.2017 go 31.03.2018

11.05 eyÝ`

O. boIm§H Z _mZH 20- à{V eoà AO©Z

à{V eo¶a AO ©Z

31.3.2018 31.3.2017

_ybõm{gV õm{gV ‘yb õm{gV

à{V eo a AO©Z (é) [18.06] [18.06] [11.89] [11.88]{ZXo©em§H én _o§ (H amo‹S _o§) _mÝ` bm^ d hm{Z boIo Ho AZwgma {Zdb bm^ [1923.15] [1923.15] [863.63] [863.63]_yë` dJ© Ho én _o§ Bp¹Qr eoàmo§ Hr ^m{aV Am¡gV g§»`m 1064904587 1064904587 726218673 726783829

eo a H m A §{H V _yë` (é) 10/- 10/- 10/- 10/-

P. boIm§H Z _mZH 21 - g_o{H V {dÎmr` {dda{U`m§ (gr.E\ .Eg.)

Bg _mZH Ho AW© Ho VhV ~¢H H r H moB© ghm`H H§ nZr Zht h¡, AV… `h boIm§H Z _mZH bmJy Zht hmoVm h¡.

Äm. boIm§H Z _mZH 22 - Am` na H a Ho {bE boIm§H Z

~¢H Zo ^maVr` gZXr boImH ma g§ñWmZ Ûmam Omar {H E JE Am` na boIm§H Z _mZH 22 H r AnojmAmo§ H m AZwnmbZ {H m h¡, Am¡a VXZwgma AmñW{JV H a AmpñV`mo§ Ed§ Xo`VmAmo§ H m {ZYm©aU {H m J`m h¡.

31 _mM© 2018 H mo ` 2975.52 H amo‹S ({nNbo df© ` 1719.92 H amo‹S) H r aH _ H r AmñW{JV H a AmpñV`mo§ Ho {Zdb eof _o§ {ZåZ{b{IV g_m{dîQ h¡ :

(é H amo‹S _o§)

2017-18 2016-17

AmñW{JV H a AmpñV`m§J¡a {ZînmXH AmpñV`mo§ / AemoÜ` G$Umo§ Ho {bE àmdYmZ 2996.72 1743.67

AdH me ZH XrH aU 47.46 50.75

àr{_`_ 40(H )(1H ) Ho A§VJ©V AñdrH m`© ì`` 0.00 0.09

E\ .AmB©.Qr.Eb Ho {bE àmdYmZ 42.81 57.15

nwZJ©{RV ImVmo§ na EZ.nr.dr. Ho {bE àmdYmZ 46.51 27.55

Hw b AmpñWJV H a AmpñV`m§ 3133.50 1879.21

KQmE§: AmñW{JV H a Xo`VmE§gmâQdoà g{hVpñWa AmpñV`mo§ na _yë`õmg 34.68 36.25

Ymam 36 (1) (viii) Ho A§VJ©V ~w{Z`mXr g§aMZm Ho {bE J{RV {deof Ama{j{V`mo§ H r am{e 123.04 123.04

Ymam 40(H )(1H ) Ho A§VJ©V AñdrH m`© ì`` 0.26

Hw b AmñW{JV H a Xm{`Ëd 157.98 159.29

AZwgyMr 11 (AÝ` AmpñV`mo§) _o§ Xem©`r J`r AmñW{JV H a AmpñV`mo§ H m {Zdb eof 2975.52 1719.92

g_J« g_rjm Am¡a ~¢H Ho H a gbmhH ma H r {deofk gbmh Ho AmYma na, ~¢H Zo ^mdr H a `mo½` Am` H m AZw_mZ bJm`m h¡, {OgH r VwbZm Iam~ Am¡a g§{X½Y G$U (EZ.nr.E.) Ho àmdYmZmo§ Ho H maU CËnÞ hmoZo dmbo g_` Ho A§Va H mo àmßV {H m Om gH Vm h¡ Am¡a VXZwgma df© 2017-18 Ho Xm¡amZ, ~¢H Zo é 1,255.60 H amo‹S ({XZm§H 31.03.2018 H mo g§M`r ên go 2,975.52 H amo‹S AmpñV`mo§) H r ñW{JV H a AmpñV`mo§ H mo Xem©`m h¡. ^{dî` _o§ H a `mo½` Am` H r CnbãYVm C{MV {Z{üVVm Ho AmYma na Bg Vah Ho ñW{JV H a AmpñV`mo§ H r VwbZm _o§ Cn`w©º Ho AZwgma àmßV {H m Om gH Vm h¡



Q>. boIm§H Z _mZH 23 - g_o{H V {dÎmr` {dda{U`mo§ _o§ gh`moJr H§ n{Z`mo§ _o§ {Zdoe H m boIm§H Z

g_o{H V {dÎmr` {ddaU Cº {~ÝXw 18(Oo) _o§ Xem©`o JE H maUmo§ H r dOh go V¡`ma Zht H a nm`m J`m. ~¢H Zo 31.03.2018 VH XoZm JwOamV J«m_rU ~¢H H r Bp¹Qr _o§

19.33 H amo‹S ({nNbo df© ` 19.33 H amo‹S) {Zdoe {H m h¡. Cgr na bmJV Ho ~mao _o§ ~Vm`m J`m h¡.

R>. boIm§H Z _mZH 24-~§X {H E JE {H«$`mH bmn

df© Ho Xm¡amZ ~¢H Zo H moB© {H«$`m H bmn ~§X Zht {H m.

S>. boIm§H Z _mZH -25- AÝV{a_ {dÎmr` {anmoqQ©J

~¢H Xmam Bg boIm§H Z _mZH H m nmbZ {H m J`m h¡.

‹T>. boIm§H Z _mZH - 28 : Angm_mÝ` AmpñV`m§

à~§YZ H r am` _o§ CZH r H moB© Angm_mÝ` AmpñV`m§ Zht h¢.

U. boIm§H Z _mZH 29 - àmdYmZ, AmH pñ_H Xo`VmE§ VWm AmH pñ_H AmpñV`m§

i. AmH pñ_H Xo`VmAmo§ Ho {bE àmdYmZmo§ _o§ KQ-~‹T

(é H amo‹S _o§)

{ddaU H mZyZr _m_bo/AmH pñ_H VmE§31.03.2017 H mo Hw b àmdYmZ 7.79

df© Ho Xm¡amZ àmdYmZ 3.38

df© Ho Xm¡amZ à`wº am{e 0.04

df© Ho Xm¡amZ àË`md{V©V 0.37

31 _mM© 2018 H mo eof 10.76

~mö`J_Z / A{Z{üVVmAmo§ H$m H$mb A{Z{üV

Ano{jV à{Vny{V© A{Z{üV

iii. AmH pñ_H Xo`VmAmo§ Ho g§~§Y _o§ VwbZnÌ H r AZwgyMr-12 H r _X g§»`m (I) go (V) AnZo ñdén Ho AZwgma dJr©H¥ V {d{^Þ àH ma H r AmH pñ_H Xo`VmAmo§ H mo Xem©Vr h¢. `o am{e`m§ H r JB© _yb g§{dXm AWdm Xmdmo§ go g§~§{YV H mJOmVmo§ Ho AmYma na àm¸ {bV H r JB© h¢. BZ AmH pñ_H Xo`VmAmo§ Ho H maU ~{hJ©_Z g§~§{YV Ý`m{`H àm{YH aUmo§ Ûmam _wH X_mo§ Ho {ZnQmao Ho n{aUm_, g§{dXmAmo§ Ho {ZînmXZ, Jma§Qr bmJy hmoZo, gmI nÌmo§ Ho hñVm§VaU, Xmdmo§ Ho {ZnQmZ Am{X na {Z^©a ahoJm.

18.16 df© Ho Xm¡amZ bm^ Ed§ hm{Z boIo _o§ Zm_o Smbo JE àmdYmZmo§ Ed§ AmH pñ_H VmAmo§ Ho {ddaU :

(é H amo‹S _o§)

HŒ g§ {ddaU 2017-18 2016-17(i) J¡a-{ZînmXH AmpñV`mo§ Ho {bE àmdYmZ 4281.80 2457.75(ii) Am`H a/ g§nXm H a Ho {bE àmdYmZ 0.00 64.93(iii) AmpñWJV H a Xo`VmE§/ (AmpñV`m§) ({Zdb) [1255.60] [476.66](iv) _mZH AmpñV`mo§ Ho {bE àmdYmZ [158.64] 51.11(v) nwZJ©{RV ImVmo§ _o§ EZ.nr.dr _o§ NyQ Ho {bE àmdYmZ 54.80 [76.70](vi) E\ .AmB©.Qr.Eb Ho {bE àmdYmZ [41.44] [96.02](vii) {Zdoem| na Adj¶U Ho {bE àmdYmZ 203.79 334.22(viii) AmH pñ_H Xo`VmE§ 3.38 0.06(ix) Aa{jV {dXoer _wÐm Ho {bE àmdYmZ 4.37 [10.33](x) AÝ` 1.85 5.49

Hw b 3094.31 2253.84

18.17 df© Ho Xm¡amZ Am`H a/ _¡Q Ho {bE {H E JE àmdYmZ H r am{e :

1. ~¢H Zo Am`H a A{Y{Z`_ H r Ymam 115 Oo.~r. H r eVmoª Ho AZwgma ~hr-bm^ na é eyÝ` ({nNbo df© é 116.31 H amo‹S) Am`H a Xo`Vm H r JUZm H a br h¡ {Og_o§ go Am`H a A{Y{Z`_ 1961 H r Ymam 115 Oo.E.E. Ho A§VJ©V é eyÝ` ({nNbo df© é 51.38 H amo‹S) H r _¡Q HŒo {SQ nmÌVm Ho ên _o§ JUZm H r h¡._¡Q HŒo {SQ nmÌVm AmpñV`m§ _mZr OmVr h¡.



2. df© Ho Xm¡amZ Am`H a Ho {bE {H E JE àmdYmZ H r aH _ ;

(é H amo‹S _o§)

{ddaU 31.03.2018 31.03.2017df© Ho Am`H a/ g§nXm H a Ho {bE àmdYmZ 0.00 64.93

OmoSo§ / KQmE§ : {nNbo§ dfmoª hoVw àXÎm/ (dmng {b`m J`m) 0.00 0.00

{Zdb aH$‘ 0.00 64.93

18.18 n{aga _o§ EH g§n{Îm _o§ 1/3 A§e (Eg.nr.~r.Qr H m°boO _w§~B©) ^r em{_b h¡ Omo {H go§Q—b ~¢H Am°\ B§{S`m Ho gmW g§`wº ñdm{_Ëd _o§ h¡, {ddaU

{ZåZ àH ma h¡.:

(é H amo‹S _o§)

~¢H Ho eo¶a 31.03.2018 31.03.2017bmJV 2.36 2.36

g§{MV _yë`hmg 1.18 1.14

Ad{b{IV _yë` 1.18 1.22

~¢H H r g§n{Îm H m nwZ_y©ë`m§H Z df© 2016 Ho Xm¡amZ {H m J`m Wm Am¡a nwZ_y©ë`m§{H V g§n{Îm H m ~hr _yë` {XZm§H 31.03.2018 H mo é 76.01 H amo‹S ({nNbo df© _o§ é 76.40 H amo‹S) h¡.

18.19 AñWmB© àmdYmZ

(é H amo‹S _o§)

{ddaU 31.03.2018 31.03.2017(H ) AñWmB© àmdYmZ ImVo _o§ AWeof eyÝ` eyÝ`

(I) boIm§H Z df© Ho Xm¡amZ {H E JE AñWmB© àmdYmZ H r _mÌm eyÝ` eyÝ`

(J) boIm§H Z df© Ho Xm¡amZ H r JB© AmhaU Ûmam H _ H r am{e eyÝ` eyÝ`

(K) AñWmB© àmdYmZ ImVo _o§ B{Veof eyÝ` eyÝ`

18.20 {dÎmr` df© 2017-18 Ho {bE é 2119.52 H amo‹S {nNbo df© é 1711.30 H amo‹S ~¢H Ûmam A{J«_/ gaH mar Jma§Qr Ûmam H da AZwgyMr 9 n¡am I (II) _o§ {XIm`o AZwgma _o§ {d{^Þ amÁ` gaH mamo§ Ûmam Jma§QrH¥ V é 1197.78 H amo‹S {nNbo df© é 786.69 H amo‹S em{_b h¡.

18.21 Ama{j{V`mo§ go AmhaU Ûmam H _r

{dÎm df© 2017-18 _o§ H moB© Ama{j{V`mo§ go AmhaU Ûmam H _r Zht h¡.

18.22 i) J«mhH {eH m`Vo§ :

HŒ {ddaU 2017-18

gm_mÝ¶ E.Qr.E_./ S o{~Q HmS>©$/ B §QaZ oQ ~¢qH$J Hw bH ) df© Ho Ama§^ _o§ bpå~V {eH m`Vmo§ H r g§»`m 24 4471 4495

I) df© Ho Xm¡amZ àmßV {eH m`Vmo§ H r g§»`m 5,014 85,250 90,264

J) df© Ho Xm¡amZ {ZnQmB© JB© {eH m`Vmo§ H r g§»`m 5,009 89,215 94,224

K) df© Ho AÝV _o§ bpå~V {eH m`Vmo§ H r g§»`m 29 506 535

ii) ~¢qH J bmoH nmb Ûmam nm{aV {H E JE AdmS© :

HŒ {ddaU 2017-18

H) df© Ho Ama§^ _o§ J¡a H m`m©pÝdV AdmSmoª H r g§»`m eyÝ`

I) df© Ho Xm¡amZ ~¢qH J bmoH nmb Ûmam nm{aV AdmSmoª H r g§»`m eyÝ`

J) df© Ho Xm¡amZ H m`m©pÝdV AdmSmoª H r g§»`m eyÝ`

K) df© Ho AÝV _o§ J¡a H m`m©pÝdV AdmSmoª H r g§»`m eyÝ`

18.23 ~¢H Ûmam Omar MwH m¡Vr AmœmgZ nÌ (Eb.Amo.gr.)H m àH QZ

Aà¡b 2017 go _mM© 2018 Ho Xm¡amZ HŒo VmAmo§ Ho gmI Ho g§~§Y _o§ ` 1486.43 H amo‹S (230.63 {_{b`Z A_arH r Smba Ho g_mZ) ({nNbo df© é 1990.90) H amo‹S H r am{e Ho Hw b 1097 Jma§{Q`m§/ AmœmgZ nÌ/ dMZ nÌ Omar {H E JE h¡.

_mM© 31,2018 VH Jma§{Q`m§/ AmœmgZ nÌ/ dMZ nÌ H r ~H m`m am{e é 391.92 H amo‹S 60.21 {_{b`Z A_arH r Smba Ho g_mZ ({nNbo df© é 624.22 H amo‹S) Wr.



18.24 ~¢H ~r_m H mamo~ma

~¢H -~r_m H mamo~ma go {dÎmr` df© 2016-17 Ho VXZwénr Ad{Y Ho Xm¡amZ é 7.40 H amo‹S (nr.E_.Oo.Oo.~r.dmB©. Am` Ho é 1.66 H amo‹Sµ Ho gmW) Ho g_j {dÎmr` df© 2017-18 Ho Xm¡amZ, ~¢H Zo é 11.09 H amoS (nr.E_.Oo.Oo.~r. dmB© go é 1.84 H amo‹S Am¡a nr.E_.Eg.~r.dmB©. go é 0.29 H amo‹S H r Am` (àemg{ZH ì`` Ho én _o§ àmß`) Ho gmW H _reZ Am` A{O©V H r h¡.

18.25 O_m am{e`mo§ H m Ho ÐrH aU(é H amo‹S _o§)

{ddaU 2017-18 2016-17~rg ~‹So O_mHVm©Amo§ Hr Hwb O_mE§ 6,090.67 11,501.50

~¢H Hr Hw$b O_mAmo§ _o§ ~rg ~‹Sr O_mAmo§ Hm à{VeV 5.74% 10.09%

18.26 A{J«_mo§ H m H|$ÐrH aU (é H amo‹S _o§)

{ddaU 2017-18 2016-17

~rg ~‹So CYmaH$Vm©Amo§ Ho Hw$b A{J«‘ 9,487.37 13,669.76

~¢H Ho Hw$b A{J«‘mo§ _o§ ~rg ~‹So CYmaH$Vm©Amo§ Ho A{J«‘mo§ Hm à{VeV 11.22% 15.58%

18.27 G$U H m Ho§ ÐrH aU

(é H amo‹S _o§)

{ddaU 2017-18 2016-17~rg ~‹So CYmaHVm©Amo§ / J«mhHmo§ Ho Hwb G$U 16,357.54 19,329.85

CYmH Vm©Amo§ / J«mhH mo§ H mo ~¢H Ho Hw b G$Umo§ _o§ ~rg ~‹So CYmaVm©Amo§ / J«mhH mo§ Ho G$Umo§ H m à{VeV 14.40% 14.92%

18.28 EZ.nr.E. H m Ho§ ÐrH aU

(é H amo‹S _o§)

{ddaU 2017-18 2016-17erf© Mma EZ.nr.E ImVmo§ Ho Hw b G$U 2,638.87 2,120.64

18.29 joÌdma A{J«_ Ed§ EZ.nr.E.(é H amo‹S _o§)

HŒ.g§. joÌ 2017-18 2016-17~Hm`m Hwb

A{J«‘gHb EZ.

nr.E.Cg joÌ _o§ Hw b

A{J«‘mo§ H m gH b %

~Hm`m Hwb A{J«‘

gHb EZ. nr.E.

Cg joÌ _o§ Hw b A{J«‘mo§ H m gH b %

àmW{_H$Vm joÌ1. H¥ {f Ed§ gå~Õ {H«$`m H bmn 13346.75 2157.28 16.16 13043.89 1677.04 12.862. àmW{‘H$Vm joÌ G$U Ho én _o§ nmÌ

Am¡Úmo{JH joÌ Hmo A{J«_5066.23 1666.21 32.89 5939.01 1244.29 20.95

3. godmE§ 5831.44 1070.50 18.36 6519.12 686.53 10.534. d¡`{ºH G$U 4644.96 212.80 4.58 3515.79 152.39 4.33

Cn - `moJ(H ) 28889.38 5106.79 17.68 29017.81 3760.25 12.96J¡a-àmW{_H Vm joÌ

1. H¥ {f Ed§ gå~Õ {H«$`m H bmn 0.00 0.00 0.00 0.00 0.00 0.002. Am¡Úmo{JH joÌ H mo A{J«_ 22974.07 10660.71 46.40 21546.88 7796.78 36.193. godmE§ 638.95 166.48 26.06 2169.17 410.92 18.944. d¡`{ºH G$U 25707.89 2624.39 10.21 26637.81 2484.61 9.33

Cn`moJ (I) 49320.91 13451.58 27.27 50353.86 10692.31 21.23KQmE§ nr.Sãë`y.Amo. 2196.93 2196.93 0.00 1833.83 1833.33 0.00KQmE§ AmB©.~r.nr.gr. 1774.79 0.00 0.00 0.00 0.00 0.00Hw b (H + I) 74238.57 16361.44 22.04 77537.84 12618.73 16.27



· @ {nNbo df© (2016-17) Ho {bE gH b EZ.nr.E. AZwnmV Am¡a gH b EZ.nr.E. A{J«_ Hw b A{J«_mo§ na AmYm{aV h¡ AWm©V àmW{_H Vm àmßV A{J«_ gmW hr J¡a- àmW{VH Vm àmßV A{J«_.

18.30 EZ.nr.E. _o§ KQ~T (é H amo‹S _o§)

{ddaU 2017-18 2016-17{H gr df© {deof Ho 01 Aà¡b H mo gH b EZ.nr.E. (AWeof) 12,618.73 8,560.49

df© Ho Xm¡amZ d¥{Õ (ZE EZ.nr.E.) 6,008.47 6,767.37

Cn - `moJ - H 18,627.20 15,327.86

KQmE§:

(i) CÞ`Z 673.40 755.87

(ii) dgybr (CÞ`Z {H E JE ImVmo§ _o§ H r JB© dgybr H mo NmoSH a) 931.24 1,119.87

(iii) VH ZrH r / {ddoH nyU© ~Åo ImVo 560.00 665.00

(iv) Cn`w©º (iii) Ho A§VJ©V Ho Abmdm ~Åo ImVo 101.12 168.39

Cn - `moJ - I 2,265.76 2,709.13

AJbo df© Ho 31 _mM© H mo gH b EZ.nr.E. (B{Veof)(H -I) 16,361.44 12,618.73

(é H amo‹S _o§)

{ddaU 2017-18 2016-171 Aà¡b H mo VH ZrH r / {ddoH nyU© ~Åo ImVo AWeof 3,026.92 2519.58

Omo‹S : df© Ho Xm¡amZ VH ZrH r / {ddoH nyU© ~Åo ImVo 560.00 665.00

Cn-Omo‹S (H ) 3,586.92 3184.58

KQmE§ : df© Ho Xm¡amZ {nNbo VH ZrH r / {ddoH nyU© ~Åo ImVo _o§ H r JB© dgybr (I) 108.77 108.05

_mM© 31 H mo B{Veof (H -I) # 3,332.36 3026.92

# ~Åo ImVo SmbZo Ho \ bñdên gH b B{Veof h¡ ({ddoH nyU© ~Åo Smbo JE ImVo Ho {ZnQmZ ñdên ImVmo§ na hwB© hm{Z)

18.31 AmpñV dJr©H aU Am¡a EZnrE Ho {bE àmdYmZ _o§ {dMbZ - (g§X^© Sr~rAma ~rnr.~rgr& 63 / 21.04.018 / 2016-17 {XZm§H 18 Aà¡b, 2017

(é H amo‹S _o§)

HŒ. g§.

{ddaU am{e

1. ~¢H Ûmam {anmoQ© Ho AZwgma 31 _mM© 2017 H mo gH b EZnrE 12618.722. 31 _mM© 2017 H mo ^maVr` {aOd© ~¢H Ûmam _yë`m§H Z Ho ên _o§ gH b EZnrE 13016.483. gH b EZnrE _o§ {dMbZ (2-1) 397.754. ~¢H Ûmam {anmoQ© Ho AZwgma 31 _mM© 2017 H mo {Zdb EZnrE 7735.115. Ama~rAmB© Ûmam _yë`m§H Z Ho ên _o§ 31 _mM©, 2017 H mo ewÕ EZnrE 7773.106. {Zdb EZnrE _o§ {dMbZ (5-4) 37.997. ~¢H Ûmam {anmoQ© Ho AZwgma 31 _mM© 2017 H mo EZnrE Ho {bE àmdYmZ 4877.678. 31 _mM© 2017 H mo Ama~rAmB© Ûmam _yë`m§H Z Ho AZwgma EZnrE Ho {bE àmdYmZ 5237.439. àmdYmZ _o§ A§Va (8-7) 359.76

10. 31 _mM©, 2017 H mo g_mßV df© Ho {bE H a (nrEQr) Ho ~mX {anmoQ© {H m J`m {Zdb bm^ (863.62)

11.31 _mM©, 2017 H mo g_mßV df© Ho {bE g_m`mo{OV (H mën{ZH ) H a Ho ~mX (àmdYmZ) _o§ {dMbZ H mo Ü`mZ _o§ aIVo hwE g_m`mo{OV {Zdb bm^

(1223.38)



18.32 {dXoer AmpñV`m§ EZ.nr.E. Ed§ amOñd

(é H amo‹S _o§)

{ddaU 2017-18 2016-17Hw b AmpñV`m§ (ZmoñQ—mo eof Am¡a {Snmo ßbog_o§Q) 9.60 171.18

Hw b EZ.nr.E - -

Hw b amOñd 49.30 35.72

18.33 ~¢H Zo {H gr {deof à`moOZ H r g§ñWm H mo àm`mo{OV Zht {H m h¡.

àm`mo{OV H r JB© {deof à`moOZ g§ñWm H m Zm_ Kaoby {dXoer

bmJy Zht

18.34 à{V^y{VH aU go g§~§{YV àH QZ

HŒ. {ddaU 2017-18

am{e H amo‹S é _o§

1. à{V^y{VH$aU Ho {bE ~¢H$ Ûmam àm¶mo{OV Eg.nr.dr. H$s g§»¶m* eyÝ¶

2. ~¢H Ûmam àm`mo{OV Eg.nr.dr. Hr ~{h`mo§ Ho AZwgma à{V^y{VH¥V AmpñV`mo§ Hr Hwb am{e

3. VwbZ nÌ H r VmarI H mo E_.Ama.Ama. H m AZwnmbZ H aZo Ho {bE ~¢H Ho Hw b G$Umo§ H r am{e

H$ VwbZnÌ _o§ em{_b Zht {H E JE ~¢H G$U

àW_ hm{Z

AÝ`

I. VwbZnÌ _o§ em{_b ~¢H G$U

àW_ hm{Z

AÝ`

4. E_.Ama.Ama. Ho Abmdm à{V^y{VH aU boZXoZ _o§ ~¢H G$U H r am{e

H. VwbZnÌ _o§ em{_b Zht {H E JE ~¢H G$Ui) ñd`§ Ho à{V^y{VHaUmo§ Hmo ~¢H G$U

àW_ hm{Z

AÝ`ii) AÝ` njH ma à{V^y{VH aUmo§ H mo ~¢H G$U

àW_ hm{Z

AÝ`

I.VwbZnÌ _o§ em{_b ~¢H G$U

VwbZnÌ _o§ em{_b ~¢H G$U

i) ñd`§ Ho à{V^y{VHaUmo§ Hmo ~¢H G$U

àW_ hm{Z

AÝ`ii) AÝ` njH ma à{V^y{VH aUmo§ H mo ~¢H G$U

àW_ hm{Z

AÝ`

18.35 gmI MyH ñd¡n

~¢H H m {XZm§H 01.04.2017 go 31.03.2018 Ad{Y Ho {bE H moB© gmI MyH ñd¡n g§ì`dhma Zht h¡.

18.36 BÝQ—m g_yh EŠgnmoOa

~¢H H r EH g_yh g§ñWm h¡ AWm©V XoZm JwOamV J«m_rU ~¢H {OgZo é 594.35 H amo‹S _r`mXr O_m Ho g_j AmodaS—mâQ gw{dYm àmßV H r h¡. BÝQ—m g_yh EŠgnmoOa H r VwbZm _o§ CYmaH Vm©Amo§ / J«mhH mo§ Ho {bE Hw b EŠgnmoOa à{VeV 0.80%. h¢.

BÝQ—m g_yh EŠgnmoOa na {H gr gr_m H m C„§KZ Zht {H m J`m h¡.



18.37 O_mH Vm© H r {ejm Am¡a OmZH mar {Z{Y H m A§VaU (Sr.B©.E.E\ .)

{dÎmr` df© 2017-18 Ho Xm¡amZ Sr.B©.E.E\ . _o§ A§V{aV AXmdmH¥ V Xo`Vm am{e Ho {ddaU {ZåZmZwgma h¡.

(é H amo‹S _o§)

{ddaU 31.03.2018 31.03.2017Sr.B©.E.E\ . _o§ A§V{aV am{e H m àma§{^H eof 267.37 235.90

Omo‹S… df© Ho Xm¡amZ Sr.B©.E.E\ . _o§ A§V{aV am{e 73.89 47.62

KQmE§: Xmdmo§ H r Sr.B©.E.E\ . Ûmam à{Vny{V© am{e 9.43 16.15

Sr.B©.E.E\ . _o§ A§V{aV am{e H m A§{V_ eof 331.83 267.37

18.38 Aa{jV {dXoer _wÐm EŠgnmoOa

EŠgnmoOa Ho {bE Amdí`H d¥{Õerb ny§Or Am¡a àmdYmZ ^maVr` {aOd© ~¢H Ûmam Omar n{anÌ g§. Sr.~r.Amo.Sr. g§. ~r.nr.~r.gr. 85/21.06.200/2013-14 {XZm§H 15.01.2014 Am¡a Sr.~r.Amo.Sr. g§. ~r.nr.~r.gr. 116/21.06.200/2013-14 {XZm§H 03.06.2014 na AmYm{aV h¡ Omo {ZåZmZwgma h¢: -

{dÎmr` df© 2017-18 Ho {bE, CnbãY Am§H ‹So, {dÎmr` {ddaU Am¡a CYmaH Vm©Amo§ go àmßV à_mUrH aU, Ohm§ àmßV hmo, Ho AmYma na ~¢H Zo Am¡a Aa{jV {dXoer _wÐm EŠgnmoOa hoVw é 4.37 H amo‹S ({nNbo df© é 10.33 H amo‹S H r d¥{Õ) H r Aa{jV {dXoer _wÐm EŠgnmoOa Ho à{V ny§OrJV Amdí`H VmE§ é 5.92 H amo‹S ({nNbo df© ny§OrJV Amdí`H VmAmo§ _o§ H _r hmoZo Ho \ bñdên é 5.10 H amo‹S) H mo àË`md{V©V {H m.

18.39 Eb.gr.Ama. H m JwUË_H àH QZ

~ogb III Ho {Xem{ZXoemo§ Ho AZwgma ~¢H mo§ H r AënH m{bZ Mb{Z{Y H r {ZJamZr H aZo Ho {bE maVr` {aOd© ~¢H Zo Eb.gr.Ama.H r ewéAmV H r h¡. Eb.gr.Ama. _mZH H m CÔoí` `h h¡ {H ~¢H `h gw{Z{üV H ao§ {H ^ma_wº CÀM ñVa AW©gwb^ AmpñV`mo§ H m n`m©ßV ñVa ~ZmE aIm J`m h¡ {Ogo 30 {XZ H r g_`-gr_m _o§ Mb{Z{Y Amdí`H VmAmo§ H mo nyam H aZo Ho {bE ZH Xr _o§ A§V{aV {H m Om gH Vm h¡. Ý`yZV_, Mb{Z{Y AmpñV`mo§ H m ñQm°H ~¢H H mo X~mdJ«ñV n{apñW{V`mo§ _o§ 30 {XZmo§ VH H m`© H aZo Ho {bE `mo½`Vm XoJm Bg g_` Ûmam `h _mZm OmVm h¡ {H Amdí`H H ma©dmB© H r OmEJr.

CÀM ñVa Mb{Z{Y AmpñV`mo§ Ho gmW AJbo 30 {XZmo§ H r H¡ bo§Sa Ad{Y g_mßV hmoZo Hw b {Zdb ZH Xr ~{hJ©_Z Ho {d^mOZ Ûmam Eb.gr.Ama. H r JUZm H r OmVr h¡. Eb.gr.Ama. {Xem{ZXoemo§ Ho AZwgma, AJbo 30 {XZmo§ H r H¡ bo§Sa gr_m Ho {bE Hw b Ano{jV ZH Xr A§Vdm©h _o§ go Hw b ZH Xr ~{hJ©_Z G$U H aZo na {Zdb ZH Xr ~{hJ©_Z àmßV {H m OmVm h¡.

gr.Ama.Ama. go A{YH Ama{jV ZH Xr g{hV ZH X, A{YXoer Eg.Eb.Ama. Amdí`H VmAmo§ Ho A{V{aº Eg.Eb.Ama. go A{YH gaH mar à{V^y{V, gr_m§V ñWm`r gw{dYm Am¡a amîQ—rH Ûmam Omar/ Jma§QrH¥ V {dHŒo à{V^y{V Ho A§VJ©V Ama.~r.AmB©. Ûmam ñdrH¥ V gr_m VH gaH mar à{V^y{V Am{X EM.Š`y.Eb.E. _o§ em{_b h¢. `h g^r AmpñV`m§ ^ma_wº VWm ZH X _o§ A§V{aV H aZo Ho {bE CnbãY hmoZr Mm{hE. ~¢H Ho EM.Š`y.Eb.E. _o§ Eogr AmpñV`m§ em{_b hmo Omo AW©gwb^ hmo `m AënH mbrZ gyMZm _o§ Mb{Z{Y AmpñV`mo§ _o§ énm§V{aV H r Om gHo§ .

~{hJ©_Z Ho A§VJ©V Eb.gr.Ama. H r JUZm Ho {bE {OZ _Xmo§ H mo Ü`mZ _o§ aIm OmVm h¡ CZ_o§ em{_b h¡ g^r àH ma H r O_mam{e`m§ Omo 30 {XZmo§ H r Ad{Y _o§ AmhaUr` h¡, gr.gr./ Amo.Sr. H m Aà`wº ^mJ Am¡a G$U H m J¡a-g§{dV{aV ^mJ VWm Eb.gr. H m Ano{jV Ý`mJ_Z d 30 {XZmo§ H r Ad{Y _o§ ~¢H Ûmam Omar Jma§Qr`mo§ H m A{^Mma Am{X. {OgH r JUZm nwamZo SoQm Ho AmYma na H r Om gH Vr h¡.

A§Vdm©h Ho A§VJ©V Eb.gr.Ama. H r JUZm Ho {bE {OZ _Xmo§ H mo Ü`mZ _o§ aIm OmVm h¡ CZ_o§ em{_b h¡ G$U VWm A{J«_mo§ _o§ dgybr, AÝ` ~¢H Ho gmW Mb{Z{Y ì`dñWm `m G$U ì`dñWm Ohm§ go ~¢H H mo Mb{Z{Y X~md H mo H _ H aZo Ho {bE {Z{Y àmßV hmo gH Vm h¡. ~¢H H r {Z{Y`Z ómoV {d{^Þ àH ma Ho h¢ Am¡a {Z{Y`Z ómoV Ho H§o ÐrH aU H mo Qmbm J`m h¡.

~¢H H r H moB© gh`moJr H§ nZr Zht h¡. Ama.~r.AmB©. Ho {Xem{ZXoemo§ Ho AZwgma, ~¢H mo§ H mo _mM© 2018 H mo 90% Ý`yZV_ Eb.gr.Ama. ~ZmE aIZm h¡ Am¡a h_mao ~¢H H m Eb.gr.Ama. 146.85% h¡.



18.40 Mb{Z{Y H daoO AZwnmV

(é H amo‹S _o§)

OyZ 2017 {V_mhr H r Am¡gV{gV§~a 2017 {V_mhr H r

Am¡gV{Xg§~a 2017 {V_mhr H r

Am¡gV_mM© 2018 {V_mhr H r Am¡gV

Hw b A^m{aV _yë` 8

Hw b A^m{aV _yë`

(Am¡gV )9

Hw b A^m{aV _yë` 8

Hw b A^m{aV _yë`

(Am¡gV )9

Hw b A^m{aV _yë` 8

Hw b A^m{aV _yë`

(Am¡gV )9

Hw b A^m{aV _yë` 8

Hw b A^m{aV _yë`

(Am¡gV )9

CÀM ñVa AW©gwb^ AmpñV`m§

1 Hwb CÀM ñVa AW©gwb^ AmpñV`m§ 24640.11 22777.04 22176.83 22559.04

ZH Xr ~{hJ©_Z

2{aQob O_mam{e`m§ Am¡a NmoQo H mamo~ma dmbo J«mhH mo§ go O_mam{e`m§ , {OZ_o§ go…

79858.04 6851.69 78791.34 6755.99 79328.48 6805.20 80296.54 6890.31

(i) pñWa O_mam{e`m§ 22682.22 1134.11 22462.92 1123.15 22553.17 1127.66 22786.93 1139.35(ii) H _ pñWa O_mam{e`m§ 57175.83 5717.58 56328.41 5632.84 56775.31 5677.54 57509.61 5750.96

3 J¡a-WmoH {Z{Y`Z, {OZ_o§ go : 26319.02 10527.61 23689.58 9475.83 23118.85 9247.54 22291.27 8916.50

(i)n{aMmbZJV O_mam{e`m§ (g^r à{VnjH ma )

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii)J¡a-n{aMmbZJV O_mam{e`m§ (g^r à{VnjH ma)

26319.02 10527.61 23689.58 9475.83 23118.85 9247.54 22291.27 8916.50

(iii) J¡a-O_mZVr H O© 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4 O_mZVr WmoH {Z{Y`Z 0.00 0.00 0.00 0.00

5 A{V{aº Amdí`H VmE§ {OZ_o§ go 23359.15 1461.00 19315.74 1287.60 23199.46 1616.48 22132.76 1409.63

(i)ì`wËnÞr EŠgnmoOa Am¡a AÝ` g§nm{œ©H Amdí`HVmAmo§ go g§~§{YV ~{hJ©_Z

74.79 74.79 24.26 24.26 116.14 116.14 0.00 0.00

(ii)H O© CËnmXmo§ Ho {Z{Y`Z na hm{Z go g§~§{YV ~{hJ©_Z

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) G$U Am¡a Mb{Z{Y gw{dYm 13149.70 1049.84 9107.95 812.33 12989.33 1197.53 11676.76 1095.95

6 AÝ` g§{dXmJV {Z{Y`Z Xm{`Ëd 33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00

7 AÝ` AmH pñ_H {Z{Y`Z Xm{`Ëd 10101.32 303.04 10250.19 517.67 10094.00 302.82 10456.00 313.68

8 pñWa O_mam{e`m§ 18840.30 17586.09 17669.22 17216.44

ZH Xr A§Vdm©h

9O_mZVr {Z{Y`Z (AWm©V à{VdVr© aonmo )

1256.60 1256.60 1308.92 1021.59 652.75 352.75 1020.33 453.67

10 nyU©V… {ZînmXZ EŠgnmoOa go A§Vdm©h 4503.67 2616.86 2581.10 1465.63 2597.44 1870.75 1728.22 1129.42

11 AÝ` ZH Xr A§Vdm©h 0.00 0.00 138.63 138.63 213.33 213.33 266.24 266.24

12 Hw b ZH Xr A§Vdm©h 5760.27 3873.46 4028.66 2652.85 3463.53 2436.83 3014.79 1849.33

Hw b g_m`mo{OV _yë`10

21 Hwb EM.Š`y.Eb.E. 24640.11 22777.04 22176.83 22559.04

22 Hwb {Zdb ZHXr AB©VdmD$h 14966.84 14960.23 15232.39 15367.12

23 Mb{Z{Y H daoO AZwnmV (%) 166.24% 152.79% 145.94% 146.85%

8 A^m{aV _yë`mo§ ~H m`m eof n{an¹ hmoZo `m 30 {XZmo§ (àdmh Am¡a ~{hJ©_Z Ho {bE) Ho ^rVa à{VXo` Ho ên _o§ Am¡a Ohm Ano{jV hmo n{anÌ Am¡a Eb.gr.Ama. QoånboQ _o§ Cp„{IV ên _o§ JUZm H r OmZr Mm{hE.

9 ^m{aV _yë`mo§ H r JUZm g§~§{YV Ho ho`aH Q (EM.Š`y.Eb.E. Ho {bE) `m àdmh Am¡a ~{hdm©h Xa (àdmh Am¡a ~{hdm©h Ho {bE) bmJy hmoZ Ho ~mX H r OmZr Mm{hE.

10 g_m`mo{OV _yë`mo§ (i) ho`aH Q Am¡a àdmh Am¡a ~{hdm©h Xamo§ Am¡a (ii) AÝ` bmJy H¡ n (CXmhaUV… EM. Š`y.Eb.E. Ho {bE ñVa 2 ~r Am¡a ñVa 2 AmpñV`mo§ na E.gr.nr. Am¡a ny§Or àdmh na H¡ n) H r JUZm bmJy hmoZ Ho ~mX H r OmZr Mm{hE.



18.41 {dÎmr` g_mdoeZ:

~¢H H mo {dÎmr` g_mdoeZ Ho A§VJ©V _mM© 2018 VH Hw b 6,485 Jm§d, 2105 Cn godm joÌ (Eg.Eg.E.) Am~§{QV {H E JE. bú` Ho g_j, 746 Cn godm joÌ (Eg.Eg.E.) H mo nma§nm{aH ~¢qH J emIm Ûmam VWm 1359 Cn godm joÌ (Eg.Eg.E.) H mo ~r.gr. _m°Sob Ûmam em{_b {H m J`m h¡.

18.42 `y.AmB©.Sr.E.AmB©. Ho A§VJ©V AmYma hoVw Zm_ XO© H aZm :

~¢H `y{ZH AmBSo§{Q{\ Ho eZ AWm°{aQr Am°\ B§{S`m (`y.AmB©.Sr.E.AmB©.) H m J¡a-amÁ` a{OñQ—ma h¡. {ÛVr` MaU _o§, ~¢H Zo 79 Zm_m§H Z A{^H aUmo§ H mo MwZm h¡ Am¡a

{d{^Þ Zm_m§H Z A{^H aUmo§ Ho _mÜ`_ go AmYma Zm_m§H Z {H m Om ahm h¡. _mM© 2018 H mo ~¢H Zo 10.59 H amo‹S {Zdm{g`mo§ H m AmYma Z§~a Ho {bE Zm_ XO© H a {X`m

h¡.

18.43 àmW{_H Vm joÌ G$U à_mU nÌ (nrEgEbgr) :

Ama~rAmB© n{anÌ g§»`m Ama~rAmB© / 2015-16 / 366 E\ AmB©SrSr.H m°.n¡Zb.~rgr .23 / 04.0 9 .01 / 2015-16 {XZm§H 7 Aà¡b 2016 Ho AZwgma df©

2017-18 Ho Xm¡amZ H mo nrEgEbgr H r {~H«$r / H«$` (loUr Ho AZwgma) Ho {ddaU {ZåZmZwgma h¢:

(H amo‹S _o§)

loUr {dÎmr¶ df© 2017-18 {dÎmr¶ df© 2016-17

IarXo JE ~oMo JE IarXo JE ~oMo JE

nrEgEbgr gm_mÝ` 900.00 0.00 2050.00 300.00

nrEgEbgr gyú_ CmmoJ 0.00 0.00 700.00 0.00

nrEgEbgr H¥ {f 0.00 0.00 0.00 0.00

nrEgEbgr bKw Am¡a gr_m§V {H gmZ 2,295.00 0.00 300.00 0.00

Hw b 3,195.00 0.00 3050.00 300.00

18.44 gyú_, bKw Am¡a _Ü`_ CÚ_mo§ go IarX

{dÎmr` df© 2017-18 Ho Xm¡amZ ~¢H Zo {d{^Þ {dHŒo VmAmo§ go ` 88.71 H amo‹S H r IarX H r. ({nNbo df© é 44.25 H amo‹S) Bg_o§ go E_.Eg.B©. go H r JB© IarX é 7.84

H amo‹S h¡ Am¡a CZ_o§ go Eg.gr./Eg.Qr. CÚ{_`mo§ Ho ñdm{_Ëddmbr E_.Eg.B©. BH mB`mo§ go H r JB© IarX é 1.48 H amo‹S h¡. E_.Eg.B©. Ho bm^ Ho {bE BgHo {ddaU ~¢H

H r do~gmBQ na àX{e©V {H E Om aho h¡.

31 _mM© 2018 VH Eogr H moB© ^r gyú_, bKw Am¡a _Ü`_ CÚ_ Zht h¡ {Og na 45 {XZ go Á`mXm ~H m`m ahm hmo. `h gyMZm gyú_, bKw Am¡a _Ü`_ {dH mg A{Y{Z`_,

2006 _o§ {ZYm©{aV ~¢H _o§ CnbãY gyMZm Ho AmYma na Eogr CÚ_mo§ H mo nhMmZ H a àH Q H aZm Oêar Wm.

18.45 XoZm ~¢H _o§ ^maVr` boIm _mZH mo§ Ho H m`m©Ýd`Z na ZmoQ :

18 OZdar, 2016 H mo gy{MV E_grE (H m°nmo©aoQ _m_bmo§ Ho _§Ìmb`) Ûmam V¡`ma AZwgy{MV dm{UpÁ`H ~¢H mo§ Ho {bE AmB©E\ AmaEg (A§Vam©îQ—r` {dÎmr` {anmoqQ©J _mZH mo§)

Ho gmW B§SñQ—rµO (^maVr` boIm _mZH ) Ho H m`m©Ýd`Z Ho {bE ênaoIm Ho AZwgaU _o§, ^maVr` {aOd© ~¢H Zo 11 \ adar 2016 H mo A{YgyMZm Omar H a ~¢H mo§ Ûmam

B§SñQ—rµO Ho H m`m©Ýd`Z Ho {bE {dñV¥V {ZXo©e {XE.

~¢H Zo H m`©nmbH {ZXoeH H r AÜ`jVm dmbr EH g§MmbZ g{_{V H m JRZ {H m h¡ Am¡a Bg_o§ ^maVr` boIm _mZH Ho H m`m©Ýd`Z Ho {bE Mma _hmà~§YH em{_b h¢.

30 {gV§~a, 2016 H mo g_mßV hwE N_mhr Am¡a OyZ 2017 H mo g_mßV {V_mhr Ho {bE àmên H mo ^maVr` {aOd© ~¢H Ho nmg àñVwV H a {X`m J`m h¡. ~¢H Ho A{YH m{a`mo§

H mo AmB©grEAmB© / EZAmB©~rE_ (~¢qH J à~§YZ g§ñWmZ) Am{X go ^maVr` boIm _mZH Ho H m`m©Ýd`Z na à{ejU {X`m J`m h¡.

{ZYm©{aV g_` aoIm Ho AZwgma B§SñQ—rµO Ho H m`m©Ýd`Z _o§ ~¢H H mo {ZXo©e XoZo Ho {bE ~¢H Ûmam gbmhH ma {Z`wº {H E JE h¢..

VWm{n {XZm§H 05.04.2018 H r {dH mg {d{Z`m_H Zr{V`mo§ na ^maVr` {aOd© ~¢H Ho {ddaU Ho AZwgma ^maVr` boIm _mZH mo§ Ho H m`m©Ýd`Z H mo EH df© Ho {bE

^maVr` {aOd© ~¢H Ûmam ñW{JV H a {X`m J`m h¡.

18.46 H m°anmoaoQ gm_m{OH Xm{`Ëd (gr.Eg.Ama.):

My§{H ~¢H Zo {dÎmr` df© 2015-16 Am¡a {dÎmr` df© 2016-17 Ho Xm¡amZ KmQo _o§ ahm h¡, Bg{bE {dÎmr` df© 2016-17 Am¡a {dÎmr` df© 2017-18 _o§ H m°anmoaoQ gm_m{OH Xm{`Ëd (gr.Eg.Ama.) J{V{d{Y`mo§ Ho {bE {Z{Y Amd§{QV Zht {H m J`m h¡.

VWm{n, {dÚ_mZ df© Ho Xm¡amZ ~¢H Zo {ZåZ{b{IV J{V{d{Y`mo§ Ho {bE gr.Eg.Ama. Ho A§VJ©V é 2.55 H amo‹S H r am{e ì`` H r h¡;



(é H amo‹S _o§)

H«$.g§. J{V{d{Y ì`` H r JB© am{e ì`` H r JB© am{e

1 XoZm J«m_rU {dH mg \ mC§SoeZ (Sr.Ama.Sr.E\ .) - AmYma^yV {Z{Y é 2.20

2 XoZm Ama-goQr ^dZ/Zmo§ H m {Z_m©U é 0.35

Hw b é 2.55

18.47 {nNbo df© Ho Am§H Smo§ H mo Mmby df© Ho Am§H ‹Smo§ Ho gmW VwbZr` ~ZmZo Ho {bE Amdí`H VmZwgma CÝho§ nwZ…g_y{hV / nwZ…dJr©H¥ V / nwZ…ì`dpñWV {H m J`m h¡.




Eg.gr. _wa_w {ZXoeH


A{_V MQOr© {ZXoeH





Cfm a{d _hm à~§YH









ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018



ZH$Xr àdmh {ddaU

31 _mM©, 2018 H$mo g‘má df© Ho$ {bE ZH$Xr àdmh {ddaU

(é '000 _o§)

31.03.2018

H$mo g_mßV df© Ho {bE 31.03.2017

H mo g_mßV df© Ho {bE

^mJ I - n{aMmbZ J{V{d{Y`mo§ go ZH Xr àdmh

H$a Ho nümV {Zdb bm^ (19231532) (8636248)

Omo‹So§ / (KQmE§) J¡a ZH Xr _Xo§ Am¡a AÝ`Ì {dMm{aV _Xo§ :

1 pñWa AmpñV`mo§ na AdjÙ 797210 31317

2 pñWa AmpñV`mo§ $H$s {~HŒ r go bm^ (+) / hm{Z (-) 6046 3841

3 {Zdoemo§ na AXm {H ò Jò àr{_`_ H m n{aemoYZ 731282 621465

4 gm°âQdoà ì``mo§ H m n{aemoYZ 91968 81531

5 XrKm©d{Y G$Umo§ na AXm ã`mO 4399234 5106718

6 àmdYmZ Am¡a AmH pñ_H VmE§ (AmB©./Sãë`y./ Sr.Qr.Eb. H mo Nmo‹SH$a) 43499101 26655680

7 Am`H a Am¡a Sr.Qr.Eb. Ho {bE àmdYmZ (12556000) (4117300)

8 g§nXm H$a Ho {bE àmdYmZ 0 0

9 AdH me ZH XrH aU ~r_m§{H V _yë`Z (95100) 74600

10 ~r_mar AdH me Ho {bE àmdYmZ 0 0

11 {gëda Ow{~br _mBb ñQmoZ AdmS© Ho {bE àmdYmZ (100) 400

12 AdH me {H am`m {a`m`V {H {bE àmdYmZ 0 0

13 nwZdm©g godm Ho {bE àmdYmZ (1900) 1300

14 doVZ AmemoYZ Ho {bE àmdYmZ 600000 0

37471741 28459552

H$m`©erb ny§Or _o§ n{adV©Zmo§ go nyd© n{aMmbZ bm^ 18240209 19823304

H$m`©erb ny§Or n{adV©Z Ho {bE g_m`moOZ :

1 {Zdoemo§ _o§ (d¥{Õ) / H$_r 18507560 (49073703)

2 A{J«_mo§ _o§ (d¥{Õ) / H$_r 26565006 73726686

3 AÝ` AmpñV`mo§ _o§ (d¥{Õ) / H$_r 5031000 992512

4 O_mam{e`mo§ _o§ (d¥{Õ) / H$_r (78126250) (34881929)

5 CYma am{e`mo§ _o§ (d¥{Õ) / H$_r ({dÎmr` {H«$`mH$bmnmo§ Ho A{V{a³V) 251233 (13104488)

6 AÝ` Xo`VmAmo§ _o§ (d¥{Õ) / H$_r (7356899) (35128350) 3791840 (18549082)

n{aMmbZ go O{ZV ZH$Xr (16888141) 1274222

Am`H$a dmngr /(^wJVmZ {H `m J`m àË`j H$a) (240956) (171402)

n{aMmbZ J{V{d{Y`mo§ go {Zdb ZH Xr àdmh (17129097) 1102820

^mJ II - {d{ZYmZ J{V{d{Y`mo§ go ZH$Xr àdmh

AMb gån{Îm`mo§ H$m H«$` (A_yV© g§n{Îm g{hV) (762171) (532210)

AMb gån{Îm`mo§ H$m {dH«$` 9170 17245

{Zdoe J{V{d{Y`mo§ _o§ {d{Z`mo{OV {Zdb ZH Xr (753001) (514965)

n{aMmbZ Am¡a {Zdoe J{V{d{Y`mo§ go ZH$Xr àdmh (17882097) 587855


ZH$Xr àdmh {ddaU

31 _mM©, 2018 H$mo g‘má df© Ho$ {bE ZH$Xr àdmh {ddaU

Cfm a{d _hm à~§YH



boIm narjH$m| H$m à‘mUnÌ

h_Zo XoZm ~¢H Ho 31.03.2018 H mo g_mßV df© Ho ZH$Xr àdmh {ddaU H$s Om°§M H$s h¡. `h {ddaU ñQm°H EŠgMo§O Ho gmW hwE gyMr~ÕVm H ama (I§S-32) H r AnojmAmo§ Ho AZwên ~¢H Ûmam V¡`ma {H `m J`m h¡ VWm ^maV Ho amîQ—n{V H mo àñVwV h_mar g_g§»`H {XZm§H H r {anmoQ© _o§ g_m{dîQ ~¢H Ho VXZwênr bm^ Ed§ hm{Z boImo§ VWm VwbZ nÌ na AmYm{aV h¢ Am¡a CgHo AZwên h¡.









ñWmZ : ‘w§~B© {XZm§H$ : 11.05.2018

31.03.2018

H$moo g_mßV df© Ho {bE31.03.2017

H$moo g_mßV df© Ho {bE

^mJ III- {dÎmr` J{V{d{Y`mo§ go ZH Xr àdmh

OwQmB© JB© B©p¹Qr eoà ny§Or (eoà àr{_`_ g{hV) 42385921 4459999

Amd§QZ Ho {bE b§{~V eoà AmdoXZ am{e (7923292) 7923292

~ogb III AZwnmbZ _o§ E.Qr.- I ~mÊS 0 4000000

{ZåZ Qrà -II ~m§S ^wJVmZ 0 (3000000)

~ogb III AZwnmbZ E.Qr.- I ~mÊS {ZJ©{_V ~mU²S (14000000)

ZdmoÝ_ofr ~o_r`mXr H$O© {bIV (1250000) 0

XrKm©d{Y G$U na ^wJVmZ {H `m J`m ã`mO (4399234) (5106718)

{dÎmr` J{V{d{Y`mo§ _o§ {d{Z`mo{OV {Zdb ZH$Xr 0 14813395 8276573

ZH$Xr Am¡a ZH$Xr g__yë` _o§ {Zdb d¥{Õ / H _r 0 (3068702) 8864428

ZH$Xr Am¡a ZH$Xr g__yë` (AW eof) 62643313 53778885

ZH$Xr Am¡a ZH$Xr g__yë` (B{V eof) 59574611 62643313

g__yë` Ho AW eof Ed§ B{V eof _o§ A§Va 3068702 8864428


~¢H$ Ho$ nmg B© ‘ob AmB©.S>r. H$m n§OrH$aU(^m¡{VH$ ê$n ‘| eoà aIZo dmbo eoàYmaH$m| Ho$ {bE)

H$ånZr g{MdXoZm ~¢H$, {ZdoeH$ g§nH©$ H$j,XoZm H$mnm}aoQ> goÝQ>a,gr-10, Or ãbm°H$, ~mÐm Hw$bm© H$måßboŠg~mÐm (nyd©), ‘w§~B© 400 051

{à` ‘hmoX`,‘¢ XoZm ~¢H$ go AZwamoY H$aVm hÿ± {H$ gm‘mÝ` ~¡R>H$m| H$s gyMZm, boIm nar{jV {dÎmr` {ddaU, {ZXoeH$m| H$s [anmoQ>© VWm AÝ` XñVmdoOm| Ho$ {bE ‘oam {ZåZ{b{IV B© ‘ob nVm a{OñQ>a H$a| Am¡a gyMZm ^m¡{VH$ ‘mÜ`‘ go ôOZo Ho$ ~Om` BboŠQ´m{ZH$ ‘mÜ`‘ go ôO|.

’$mo{b`mo g§.

àW‘ / EH$b eoàYmaH$ H$m nyam Zm‘

B© ‘ob AmB©.S>r.(Cn`w©º$ à`moOZ Ho$ {bE n§OrH¥$V {H$`m OmZm h¡)

‘mo~mBb / Xya^mf g§.

{XZm§H$ hñVmja

g^r H$m°b‘ âZm A{Zdm¶© h¡.

A{Zdm`© gyMZm

{Q>ßnUr…1. `{X AmnHo$ nmg ~¢H$ Ho$ eoà S>r‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¢ Vmo ~¢H$ Cn`w©º$ XñVmdoO AmnHo$ Ûmam àXÎm B© ‘ob nVo na BboŠQ´m{ZH$ ê$n ‘| ôOZo H$m àñVmd H$aVm h¡, Omo

AmnHo$ O‘mH$Vm© Ûmam CnbãY H$am¶m Om¶oJm.2. eoàYmaH$m| go AZwamoY h¡ {H$ ~¢H$ H$mo gy{MV H$a| {H$ CZHo$ nmg eoà ^m¡{VH$ ê$n ‘| h¡. `{X eoà {S>‘oQ> (BboŠQ´m{ZH$) ê$n ‘| h¢ Vmo CZHo$ S>r.nr., O¡go ^r pñW{V hmo, H$mo

CZHo$ B© ‘ob AmB©S>r ‘| n[adV©Z Ho$ ~mao ‘| gy{MV H$a|.

àYmZ H$m`m©b`… XoZm H$m°nm}aoQ> g|Q>a, gr-10, Or ãbm°H$, ~m§Ðm Hw$bm© H$m°åßboŠg, ~m§Ðm (nyd©), ‘w§~B© - 400 051


gyMZm

EVXÛmam gyMZm Xr OmVr h¡ {H$ XoZm ~¢H$ Ho$ eoà YmaH$m| H$s 22dt dm{f©H$ gm‘mÝ` g^m ~wYdma, 27 OyZ, 2018 H$mo àmV… 11.00 ~Oo g^mJ¥h, ga gmoam~Or nmo-MImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Oo.dr.nr.S>r. ñH$s‘, Hy$na hmpñnQ>b Ho$ nmg, Owhÿ {dbo nmb} (n{ü‘) ‘w§~B© 400056 ‘| {ZåZm§{H$V H$m`m] H$mo g§nm{XV H$aZo hoVw Am`mo{OV hmoJr…-

1. 31 ‘mM© 2018 Ho$ VwbZ nÌ Am¡a Cgr VmarI H$mo g‘má df© Ho$ bm^ Ed§ hm{Z boIm|, ~¢H$ Ho$ H$m‘H$mO Ed§ J{V{d{Y`m| na {ZXoeH$ ‘ÊS>b H$s [anmoQ>© VWm VwbZ nÌ Am¡a boIm na boIm narjH$m| H$s [anmoQ>© na {dMma-{d‘e©, AZw‘moXZ Ed§ A§JrH$ma H$aZm.

{ZXoeH$ ‘§S>b Ho$ AmXoemZwgmaH¥$Vo XoZm ~¢H$

ñWmZ… ‘w§~B© (A{‘V Hw$‘ma){XZm§H$… 30.05.2018 H§$nZr g{Md

{Q>ßn{U`m§

1. ‘Vm{YH$ma

A{Y{Z`‘ H$s Ymam 3 H$s CnYmam (2 B©) Ho$ àmdYmZm| Ho$ AZwgma H|$ÐgaH$ma Ho$ A{V[a³V VXZwénr ZE ~¢H$ Ho$ {H$gr ^r eoàYmaH$ H$mo H|$Ð gaH$ma Ho$ Abmdm, ~¢H$ Ho$ g^r eoàYmaH$m| Ho$ Hw$b ‘Vm{YH$ma H$m, CgHo$ Ûmam Ym[aV eoàm| Ho$ {bE 10 à{VeV go A{YH$ ‘V XoZo H$m A{YH$ma Zht hmoJm. A{Y{Z`‘ ‘| hþE {H$gr g§emoYZ Ho$ H$maU, {d{Z`‘Z A{Y{Z`‘, moOZm Am¡a {d{Z`‘m| ‘| r H$moB© m {dÚ‘mZ à{H«$`m Omo gyMZm ‘| Xr JB© h¡, Ho$ {H$gr ^mJ ‘| n[adV©Z hmoVm h¡, Vmo dh g§emoYZ à^mdr hmoJm.

{d{Z`‘ 68 Ho$ AZwgma, Cn`w©ŠV H$s eV© na, àËòH$ eoàYmaH$, Omo {ZYm©[aV {V{W AWm©V² ~wYdma, 20 OyZ, 2018 H$mo eoàYmaH$ Ho$ ê$n ‘| n§OrH¥$V h¡, VH$ CZHo$ Ûmam Ym[aV àËòH$ eoà Ho$ {bE EH$ ‘V H$m A{YH$ma hmoJm.

{d{Z`‘m| Ho$ {d{Z`‘ 10 Ho$ AZwgma, `{X eoà Xmo `m A{YH$ ì`{º$`m| Ho$ Zm‘ na h¢, Vmo a{OñQ>a ‘| {Og ì`{º$ H$m Zm‘ àW‘ h¡, dh ‘VXmZ Ho$ g§X^© ‘|, EH$b YmaH$ ‘mZm OmEJm. AV…, `{X eoà g§`wº$ YmaH$m| Ho$ Zm‘ na h¢, Vmo {Og ì`{º$ H$m Zm‘ àW‘ h¡, dh hr ~¡R>H$ ‘| ^mJ bo gH$Vm h¡ Am¡a dh hr Zm‘m§H$Z, ^mJ boZo Am¡a ~¡R>H$ ‘| ‘VXmZ H$aZo Ho$ {bE nmÌ hmoJm.

2. ‘w»Vmar H$s {Z`w{º$

g^m ‘| CnpñWV ahZo Am¡a ‘VXmZ H$aZo H$m / Ho$ nmÌ eoàYmaH$ AnZo ñWmZ na g^m ‘| {H$gr AÝ` H$mo CnpñWV ahZo VWm ‘VXmZ H$aZo Ho$ {bE à{V{Z{Y {Z`wº$ H$aZo H$m nmÌ hmoJm / hmoJr. à{V{Z{YËd à^mdr hmo, Bg Ñ{ï> go à{V{Z{Y {Z`wº$ H$aZo Ho$ nmÌ AWm©V ‘w»Vmar ’$m‘© ‘| gyMZm 22dt dm{f©H$ gm‘mÝ` g^m H$s VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V ewH«$dma, 22 OyZ, 2018 H$mo H$m‘-H$mO H$m g‘` g‘má hmoZo Ho$ g‘` `m Cggo nyd© ~¢H$ H$mo {d{Z{X©ï> ñWb na Adí` àmá hmo OmZr Mm{hE.

3. àm{YH¥$V à{V{Z{Y H$s {Z`w{º$

H$moB© ^r ì`{º$ Cº$ ~¡R>H$ ‘| {H$gr H§$nZr `m {ZJ{‘V {ZH$m`, Omo {H$ ~¢H$ H$m eoà YmaH$ h¡, Ho$ àm{YH¥$V à{V{Z{Y Ho$ én ‘| V~ VH$ ^mJ boZo Ho$ {bE nmÌ Zht hmoJm

`m ‘VXmZ Zht H$a gHo$Jm, O~ VH$ {H$ Cgo à{V{Z{Y Ho$ én ‘| {Z`wº$ H$aZo Ho$ ~mao ‘| nm[aV g§H$ën H$s à{V{b{n, Omo {H$ Cg ~¡R>H$ Ho$ A¿`j Ûmam à‘m{UV H$s JB© hmo {Og ~¡R>H$ ‘| Cº$ g§H$ën nm[aV {H$`m J`m Wm, 22dt dm{f©H$ gm‘mÝ` g^m H$s {V{W go H$‘ go H$‘ Mma {XZ nhbo AWm©V² ewH«$dma, 22 OyZ, 2018 H$mo H$m`m©b` g‘` H$s g‘m{á VH$ `m CgHo$ nyd© ~¢H$ Ho$ àYmZ H$m`m©b` ‘| H$ånZr g{Md, {ZdoeH$ g§nH©$ Ho$ÝÐ, XoZm H$m°nm}aoQ> g|Q>a, gr-10, Or - ãbm°H$, ~m§Ðm Hw$bm© H$måßboŠg, ~m§Ðm (nyd©), ‘w§~B©-400051 Ho$ nmg O‘m Zht H$a Xr OmVr.

4. CnpñW{V-gh-àdoe nMu

eoàYmaH$m| H$s gw{dYm Ho$ {bE CnpñW{V-gh-àdoe nMu Bg [anmoQ>© Ho$ gmW g§b¾ h¡. eoàYmaH$m|/‘w»VmaZm‘m YmaH$m|/àm{YH¥$V à{V{Z{Y`m| go AZwamoY h¡ {H$ do Cg‘| {XE JE ñWmZ na AnZo hñVmja H$aHo$ Cgo g^m ñWb na àñVwV H$a|. eoàYmaH$ Ho$ àm{YH¥$V à{V{Z{Y / ‘w»Vmar CnpñW{V-gh-àdoe nMu ‘| ‘w»Vmar `m àm{YH¥$V à{V{Z{Y, O¡gr ^r pñW{V hmo, H$m C„oI H$a|. g^m ñWb ‘| àdoe H$s AZw‘{V Ho$db d¡Y CnpñW{V nMu -gh - àdoe nmg Ho$ AmYma na hr Xr OmEJr.

5. ~hr ~§X aIZm

~¢H$ Ho$ eoàYmaH$m| H$m a{OñQ>a Am¡a eoà AÝVaU a{OñQ>a dm{f©H$ gm‘mÝ` g^m Am¡a bm^m§e H$s nmÌVm gw{Z{üV H$aZo Ho$ CÔoí` go Jwê$dma, 21 OyZ, 2018 go ~wYdma, 27 OyZ, 2018 (XmoZm| {XZ em{‘b) VH$ ~ÝX ah|Jo.

6. bm^m§e

{dÎmr` df© 2017-18 Ho$ {bE ~¢H$ Ho$ ‘§S>b Ho$ {ZXoeH$m| Zo {H$gr bm^m§e H$s g§ñVw{V Zht H$s h¡.

7. A§VaU

H$mJOr ê$n ‘| Ym[aV eoà à‘mU nÌm| H$mo A§VaU {dboI g{hV ~¢H$ Ho$ n§Or`H$ Ed§ A§VaU EOoÝQ> H$mo ôOm OmZm Mm{hE.

8. Xmdm Z {H$E JE bm^m§e, `{X H$moB© hmo Vmo

H|$Ð gaH$ma Ûmam ñWm{nV H§$nZr A{Y{Z`‘, 2013 H$s Ymam 125 Ho$ VhV {dÎmr` df© 1996-97 go 1999-2000, 2006-07 go 2009-10 VH$ Ho$ {bE bm^m§e {ZdoeH$ {ejm Am¡a g§ajU H$mof (AmB©.B©.nr.E’$.) ‘| A§V[aV H$a {X`m J`m h¡.

BgHo$ A{V[a³V, ~¢qH$J H$ånZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘ 1970 H$s Ymam 10 ~r Ho$ AZwgma, `{X AXÎm bm^m§e ImVo ‘| A§VaU Ho$ gmV dfm] VH$ bm^m§e H$s am{e AXÎm ahVr h¡ `m CgHo$ {bE H$moB© Xmdm Zht {H$`m OmVm Vmo Cgo AmB©.B©.nr.E’$. ‘| A§V[aV {H$`m OmVm h¡.

Eogo eoàYmaH$m| {OÝhm|Zo {dÎmr` df© 2010-11 go 2014-15 hoVw bm^m§e dma§Q> H$m ZH$XrH$aU Zhr {H$`m h¡ / bm^m§e àmá Zht {H$`m h¡, CZgo {ZdoXZ h¡ {H$ do Sw>ßbrHo$Q> bm^m§e dma§Q> Omar H$aZo/ nwZ… d¡Y H$aZo hoVw ~¢H$ Ho$ a{OñQ´ma Ed§ eoà A§VaU EOoÝQ> go g§nH©$ H$a|.

{dÎmr` df© 2010-11 hoVw AXmdmH¥$V / AàXÎm bm^m§e 24 OwbmB©, 2018 H$mo AmB©.B©.nr.E’$. H$mo ôO {XE OmE§Jo.

123dm{f©H$ [anmoQ>© Annual Report 2017-18gyMZm

9. nVo ‘| n[adV©Z

Eogo eoàYmaH$ {OZH$s eoà Ym[aVm BboŠQ´m°{ZH$ ê$n ‘| h¢ CZgo AZwamoY h¡ {H$ CZHo$ n§OrH¥$V nVo ‘|, `{X H$moB© n[adV©Z hþAm h¡ Vmo CgH$s gyMZm a{OñQ´ma VWm ~¢H$ Ho$ eoà hñVm§VaU EOoÊQ>m| H$mo Z X|, AnZo {S>nm{OQ>ar H$mo X| {H$ eoà YmaH$, {OZH$s eoà Ym[aVm ^m¡{VH$ ê$n ‘| h¡, CZgo AZwamoY h¡ {H$ do CZHo$ n§OrH¥$V nVo ‘| `{X H$moB© n[adV©Z hmo Vmo CgH$s gyMZm {ZåZ{bpIV nVo na a{OñQ´ma VWm ~¢H$ Ho$ eoà hñVm§VaU EOoÊQ>m| H$mo X|.

‘o. qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>B©H$mB© : XoZm ~¢H$gr 101, 247 nmH©$, Eb.~r.Eg. ‘mJ©, {dH«$mobr (n{ü‘)‘w§~B©, ‘hmamï´> - 400 083Q>obr’$moZ… 022-49186270Q>obr’¡$Šg… 022-49186060B©-‘ob… [email protected]

10. AnZm B© ‘ob nVm n§OrH¥$V H$aHo$ XñVmdoO B© ‘ob Ho$ ‘mÜ`‘ go àmá H$a|

go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 36 ‘| gyMr~Õ H§$nZr H$mo AnZr dm{f©H$ [anmoQ>© H$s gm°âQ> H$m°nr AnZo CZ g^r eoàYmaH$m| H$mo ôOZo Ho$ {bE AZw‘{V Xr JB© h¡ {OZHo$ Bg CÔoí` Ho$ {bE H§$nZr Ho$ nmg B© ‘ob nVo n§OrH¥$V h¢.

BgHo$ A{V[aŠV, go~r (Eb.Amo.S>r.Ama.) {d{Z`‘, 2015 Ho$ {d{Z`‘ 44 Ho$ AZ-wgma [a‘moQ> B©-‘VXmZ à{H«$`m eoàYmaH$m| H$mo ‘ob Ûmam ôOr OmEJr.

{OZ eoàYmaH$m| Zo A^r VH$ AnZo B© ‘ob AmB©.S>r n§OrH¥$V Zht H$amE h¢ Am¡a CZHo$ eoà m¡{VH$ én ‘| h¢, CZgo AZwamoY h¡ {H$ do AnZo B© ‘ob AmB©S>r a{OñQ´ma Ed§ A§VaU EO|Q> Ho$ nmg n§OrH¥$V H$admE§. `{X CZHo$ eoà BboŠQ´m{ZH$ én ‘| h¢ Vmo do AnZo {S>nm{OQ>ar gh^mJr Ho$ nmg AnZm B© ‘ob AmB©S>r XO© H$admE§ Vm{H$ BgHo$ ~mX CZH$mo XñVmdoO Cº$ B© ‘ob nVo na BboŠQ´m{ZH$ ‘mÜ`‘ go oOo Om gHo$. CZH$s gw{dYm Ho$ {bE B© ‘ob Ho$ {ddaU gy{MV H$aZo Ho$ {bE ’$m‘}Q> dm{f©H$ [anmoQ>© Ho$ ^mJ Ho$ én ‘| g§b¾ h¡.

11. BboŠQ´m{ZH$ ‘mÜ`‘ Ûmam ‘VXmZ

H§$n{Z`m| (à~§YZ Ed§ àemgZ) {Z`‘, 2014 {Z`‘ 20 Ho$ gmW n{R>V go~r (Eb.Amo.S>r.Ama) {d{Z`‘, 2015 Ho$ {d{Z`‘Z 44 Ho$ AZwgma, AmnHo$ ~¢H$ H$mo B©-‘VXmZ gw{dYm CnbãY H$amZo ‘| Iwer hmoVr h¡ Vm{H$ eoà YmaH$ gyMZm ‘| C{„pIV ‘Xm| na AnZo ‘VXmZ BboŠQ´m{ZH$ én ‘| H$a gHo$. ~¢H$ Zo B©-‘VXmZ ßboQ>’$m‘© CnbãY H$amZo Ho$ {bE B©-dmoqQ>J EO|gr Ho$ én ‘| ‘ogg© Z¡eZb {gŠ`y[a{Q>O {S>nmo{OQ>ar {b{‘Q>oS> H$mo {Z`wº$ {H$`m h¡. B©-‘VXmZ d¡H$pënH$ h¡. eoàYmaH$m| / bm^mWu ñdm{‘`m| Ho$ B©-‘VXmZ H$s JUZm ~wYdma, 20 OyZ, 2018 H$mo CZHo$ Ûmam Ym[aV B{¹$Q>r eoàm| Ho$ AmYma na H$s OmEJr Omo {H$ Bg à`moOZ Ho$ {bE {ZYm©[aV / A§{V‘ VmarI h¡. ~¢H$ Ho$ {OZ eoàYmaH$m| Ho$ nmg {ZYm©[aV / A§{V‘ VmarI H$mo ^m¡{VH$ `m ~oH$mJOr én ‘| eoà h¢ do AnZm ‘VXmZ BboŠQ´m{ZH$ ê$n ‘| H$a gH$Vo h¢.

‘VXmZ H$s gw{dYm E.Or.E‘. ‘| CnbãY H$amB© OmEJr Am¡a gXñ`, {OÝhm|Zo [a‘moQ> B©-dmoqQ>J Ûmam AnZo dmoQ> Zht {H$E h¢, do ~¡R>H$ ‘| AnZo A{YH$ma H$m à`moJ H$a gH$Vo h¢

gXñ`m| {OÝhm|Zo [a‘moQ> B©-dmoqQ>J Ûmam nhbo hr dmoQ> H$a {X`m h¡ do ^r EOrE‘ ‘| CnpñWV hmo gH$Vo h¢, na§Vw do nwZ… dmoQ> S>mbZo Ho$ {bE hH$Xma Zht hmoJ|

[a‘moQ> B©-dmoqQ>J Ho$ {bE {ZX}e {ZåZmZwgma h¢:

gXñ`m| go AZwamoY h¡ {H$ B©-dmoqQ>J Ho$ ‘mÜ`‘ go AnZm ‘VXmZ H$aZo Ho$ {bE {ZåZ{bpIV AZwXoem| H$m nmbZ H$ao…

H$) B©-dmoqQ>J Ho$ {bE {ZåZ{bpIV y.Ama.Eb. https://www.evoting.nsdl.com H$mo Imob|.

I) bm°JBZ {ddaU AWm©V `yOa AmB©.S>r. Am¡a nmgdS©> à{dï> H$a|. AmnH$m `yµOa AmB©.S>r. 108405 + ’$mo{b`mo g§. (`{X eoà H$mJOrH¥$V ê$n ‘| h¢ Vmo) / S>r.nr. AmB©.S>r.+ ŠbmB§Q> AmB©.S>r.(`{X eoà S>r‘¡Q> ê$n ‘| h¢). `{X Amn nhbo go hr B©-dmoqQ>J Ho$ {bE EZEgS>rEb Ho$ gmW n§OrH¥$V h¢ Vmo, Amn bm°J BZ Ho$ {bE AnZo {dÚ‘mZ `yOa AmB©S>r Am¡a nmgdS©> H$m Cn`moJ H$a gH$Vo h¢.

J) gXñ` [a‘moQ> B©-dmoqQ>J Ûmam AnZm ‘VXmZ H$aZo Ho$ {bE evotingnsdl.co.in na AZwamoY ôOH$a `m {ddaU O¡go S>r‘¡Q> ImVm g§»`m `m ’$mo{bAmo g§»`m, n¡Z Z§~a, BË`m{X CnbãY H$amH$a EZEgS>rEb Ho$ Q>mob ’«$s Z§~a 1800-222-990 na g§nH©$ H$aHo$ Cn`moJH$Vm© AmB©S>r Am¡a nmgdS©> àmá H$a gH$Vo h¢.

ZmoQ>: eoàYmaH$ Omo Cn`moJH$Vm© {ddaU / nmgdS©> ^yb JE h¢ do [email protected] na CnbãY Cn`moJH$Vm© {ddaU/nmgdS©> ^yb JE? `m ^m¡{VH$ Cn`moJH$Vm© argoQ> nmgdS©>? {dH$ën H$m Cn`moJ H$a gH$Vo h¢.

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N>. B©-dmoqQ>J H$m hmo‘ noO IwboJm. ‘VXmZ à{H«$`m Ama§^ H$aZo Ho$ {bE ‘‘B©-dmoqQ>J’’ na pŠbH$ H$a|.

O. XoZm ~¢H$ Ho$ B©.dr.B©.EZ. (B©-dmoqQ>J Bd|Q> g§»`m) H$m M`Z H$a|. B©.dr.B©.EZ. Ho$ {bE, Amn EZ.Eg.S>r.Eb. Ho$ B©-dmoqQ>J ßboQ>’$m‘© na V~ VH$ {H$VZr ^r ~ma bm°J BZ H$a gH$Vo h¢ O~ VH$ {H$ Amn ‘VXmZ Ad{Y Ho$ Xm¡amZ g§H$ën na ‘VXmZ Zht H$a XoVo.

P. BgHo$ ~mX O¡go hr ‘‘H$mñQ> dmoQ>” noO IwboJm. Amn B©-‘VXmZ Ho$ {bE V¡`ma h¢.

Äm. AnZo Cn¶w³V H$m M`Z H$aHo$ Amn AnZm ‘VXmZ H$a gH$Vo h¢ Am¡a g~{‘Q> na pŠbH$ H$a| VWm Z`m n¡Zb gm‘Zo AmZo na ‘‘H$Z’$‘©” ^r H$a|.

Q>. nw{ï> hmoZo Ho$ ~mX ‘‘dmoqQ>J H$mñQ> gŠgog’w$„r” H$m g§Xoe àX{e©V hmoJm.

R>. H¥$n`m ZmoQ> H$a| EH$ ~ma ‘VXmZ {H$ò OmZo Ho$ ~mX Cg‘| g§emoYZ Zht {H$`m Om gH$Vm.


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S>. g§ñWmJV gXñ` (AWm©V gXñ`m| EM.`y.E’$., EZ.Ama.AmB©. Am{X ì`{º$`m| Ho$ A{V[a³V) H$mo ^r {d{YdV àm{YH¥$V hñVmjaH$Vm© / hñVmjaH$Vm©Am|, {OZH$mo ‘VXmZ H$aZo Ho$ {bE àm{YH¥$V {H$`m J`m h¡, Ho$ à‘m{UV Z‘yZm hñVmja / hñVmjam| Ho$ gmW g§~§{YV ~moS©> g§H$ën / àm{YH$ma nÌ Am{X g{hV H$s ñH¡$Z H$s hþB© H$m°nr (nr.S>r.E’$. / Oo.nr.Or. ’$m°‘}Q>) g§drjmH$Vm© H$mo B©-‘ob

[email protected] Ûmam VWm CgH$s à{V [email protected]

na ôOZr h¡. Amn XñVmdoOm| H$mo a{OñQ>ma Ho$ B©-‘ob AmB©.S>r. [email protected] na ^r ôO gH$Vo h¢.

{X H$moB© àý hmo Vmo Amn https://www/evoting.nsdl.com Ho$ S>mCZbmoS> goŠeZ ‘| CnbãY eoàYmaH$m| Ho$ {bE AŠga nyN>o OmZo dmbo àý (E’$.E.Š`y.) Am¡a eoàYmaH$m| Ho$ {bE B©-dmoqQ>J `yOa ‘¡ZwAb H$m g§X^© bo gH$Vo h¢ `m [email protected] na B©-‘ob Ho$ ‘mÜ`‘ go g§nH©$ H$a gH$Vo h¢ `m Amn lr amOrd a§OZ; ‘ogg© qbH$ BZ Q>mB‘ B§{S>`m àmB©doQ> {b{‘Q>oS> (BH$mB©: XoZm ~¢H$) go Xya^mf g§ 022-49186000 na g§nH©$ H$a gH$Vo h¢.

T>. mdr gyMZm ôOZo Ho$ {bE Cn`moJ {H$E OmZo dmbo ’$mo{b`mo Ho$ `yOa àmo’$mBb ã`moao ‘| Amn AnZm ‘mo~mBb Z§~a Am¡a B©-‘ob AmB©-S>r H$mo AÚVZ ^r H$a gH$Vo h¢.

U. [a‘moQ> B©-dmoqQ>J H$s Ad{Y a{ddma, 24.06.2018 (àmV… 9.00 ~Oo) ewé hmoJr Am¡a ‘§Jbdma 26.06.2018 H$mo (gm`§ 5 ~Oo) g‘má hmoJr. Bg Ad{Y Ho$ Xm¡amZ AWm©V {ZY©[aV {V{W ~wYdma 20.06.2018 H$mo H$mJOr én ‘| `m S>r‘¡Q> én ‘| eoà aIZo dmbo ~¢H$ Ho$ eoàYmaH$ BboŠQ´m{ZH$ én go AnZm dmoQ> S>mb gH$Vo h¢. VËnümV B©-dmoqQ>J ‘m°S>`yb H$mo EZ.Eg.S>r.Eb. Ûmam ‘VXmZ Ho$ {bE ~§X {H$`m OmEJm. eoàYmaH$ Ûmam EH$ ~ma {H$gr g§H$ën na dmoQ> S>mbZo Ho$ ~mX Cº$ eoàYmaH$ H$mo ~mX ‘| Cgo ~XbZo `m n[ad{V©V H$aZo H$s AZw‘{V Zht hmoJr.

V. eoàYmaH$m| H$mo dmoqQ>J A{YH$ma H$Q>-Am°’$ {XZm§H$ Ho$ AZwgma ~¢H$ H$s B©{¹$Q>r eoà ny±Or ‘| CZHo$ eoàm| Ho$ AZwnmV ‘| hmoJm.

W. H$moB© ì`{º$, {OÝhm|Zo H§$nZr Ho$ eoàm| H$m A{YJ«hU {H$`m h¡ Am¡a gyMZm àofU Ho$ ~mX H§$nZr H$m gXñ` ~Z JE h¢ Am¡a {Z{X©ï> {V{W AWm©V ~wYdma 20 OyZ, 2018 VH$ eoàYm[aVm aIVo h¢ Vmo do [email protected] H$mo EH$ AZwamoY ôOH$a bm°{JZ Am¡a nmgdS©> àmá H$a gH$Vo h¢.

X. VWm{n, `{X Amn nhbo go hr B©-dmoqQ>J Ho$ {bE EZ.Eg.S>r.Eb. ‘| n§OrH¥$V h¢, Vmo Amn AnZo ‘VXmZ Ho$ {bE AnZo {dÚ‘mZ `yOa AmB©S>r Am¡a nmgdS©> H$m Cn`moJ H$a gH$Vo h¢, `{X Amn AnZm nmgdS©> ^yb JE h¢, Vmo Amn AnZm

nmgdS©> www.evoting.nsdl.com na CnbãY {dH$ën ‘‘’$m°aJoQ> `yOa {S>Q>obg/nmgdS©>’’ `m ^m¡{VH$ Cn`moJH$Vm© argoQ> nmgdS©> H$m Cn`moJ H$aHo$ AnZo nmgdS©> H$mo argoQ> H$a gH$Vo h¢ `m EZEgS>rEb go {ZåZ Q>mob ’«$s g§.: 1800-222-990 na g§nH©$ H$a gH$Vo h¡.

Z. ~¢H$ Zo lr Eg.EZ. AZ§Vgw~«‘Ê`‘, EÊS> H§$nZr g{Md H$mo B©-dmoqQ>J à{H«$`m H$mo C{MV Ed§ nmaXeu {d{Y go g§Mm{bV H$aZo Ho$ {bE g§drjH$ Ho$ én ‘| {Z`wº$ {H$`m h¡.

n. {OÝhm|Zo [a‘moQ> B©-dmoqQ>J Ho$ {dH$ën H$m M`Z Zht {H$`m h¡, do Bg Zmo{Q>g Ho$ ñnï>rH$aU dº$ì` I§S> ‘| ~VmB© JB© à{H«$`m Ho$ AZwgma ~wYdma, 27 OyZ, 2018 H$mo ‘VXmZ Ho$ {bE AnZm dmoQ> Xo gH$Vo h¢.

B©-dmoqQ>J n[aUm‘ ~¢H$ H$s dm{f©H$ gm‘mÝ` g^m ‘| `m CgHo$ ~mX Kmo{fV {H$E OmE§Jo. g§drjH$ H$s [anmoQ>© Ho$ gmW Kmo{fV n[aUm‘ ~¢H$ H$s dm{f©H$ g^m ‘| Cº$ g§H$ën H$mo nm[aV H$aZo Am¡a EZ.Eg.B©. / ~r.Eg.B©. H$mo g§gy{MV H$aZo Ho$ Xmo {XZm| Ho$ A§Xa ~¢H$ H$s do~gmBQ> www.denabank.com Am¡a EZ.Eg.S>r.Eb. H$s do~gmBQ> AWm©V… https://www.evotingnsdl.com na àX{e©V {H$E OmE§Jo.

12. AÝ` :

H$. H¥$n`m Ü`mZ Xo {H$, Am{W©H$ AmYma na, dm{f©H$ [anmoQ>© H$s à{V`m§ gm‘mÝ` g^m ‘| {dV[aV Zhr H$s OmE§Jr. Bg{bE, eoàYmaH$m| go AZwamoY h¡ {H$ ~¡R>H$ Ho$ ñWb na AnZr à{V`m§ gmW bmE§.

I. eoàYmaH$ H¥$n`m Ü`mZ X| {H$ ~¡R>H$ Ho$ Am`moOZ ñWb na H$moB© Cnhma/Hy$nZ H$m {dVaU Zht {H$`m OmEJm.

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{ZXoeH$ ‘§S>b Ho$ AmXoemZwgma

H¥$Vo XoZm ~¢H$

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’$m‘© ~r‘w»Vmar(àm°Šgr) ’$m‘©

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S>rnr AmB©S>r Z§. eoàm| H$s g§»`m

J«mhH$ AmB© S>r Z§.(`{X ~oH$mJOrH¥$V h¡)

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H$m / Ho$ {Zdmgr lr/lr‘Vr H$mo AWdm CgH$s AZwnpñW{V ‘| amÁ` Ho$ {Obo ‘| pñWV

H$m /Ho$ {Zdmgr lr / lr‘Vr H$mo XoZm ~¢H$ H$s ~wYdma, 27 OyZ 2018 H$mo àmV… 11:00 ~Oo g^mJ¥h, ga gmoam~Or nmoMImZmdmbm ~¢H$g© QóqZJ H$m°boO, Oo.dr.nr.S>r. ñH$s‘, Hy$na AñnVmb Ho$ nmg, {dbonmb} (n{ü‘), ‘w§~B© - 400 056 ‘| Am`mo{OV hmoZo dmbr eoàYmaH$m| H$s dm{f©H$ gm‘mÝ` g^m Am¡a CgHo$ {H$gr ñWJZ Ho$ CnamÝV Am`mo{OV g^m ‘| ‘oao / h‘mao {bE VWm ‘oar / h‘mar Amoa go ‘VXmZ H$aZo Ho$ {bE AnZm ‘w»Vmar {Z`wº$ H$aVm hÿ§ / H$aVo h¢.

Bg na 2018 Ho$ {XZ hñVmja {H$E.

àW‘ Zm{‘V/ EH$b eo¶aYmaH$ Ho$ hñVmja Zm‘ nVm

‘w»Vmar Ho$ hñVmja

‘w»Vmar (àm°Šgr) ’$m‘© na hñVmja H$aZo Am¡a àñVw{V H$aZo hoVw AZwXoe :1. ‘w»Vmar {bIV V^r d¡Y hmoJm O~

(H$) ì`{º$JV eoàYmaH$ Ho$ ‘m‘bo ‘| dh CgHo$ Ûmam `m CgHo$ / CgH$s AQ>Zu Ûmam {bpIV én ‘| {d{YdV hñVmj[aV {H$`m J¶m hmo.(I) g§`wº$ YmaH$m| Ho$ ‘m‘bo ‘| dh gXñ`Vm a{OñQ>a ‘| àW‘ Zm{‘V Ûmam AWdm {bpIV én ‘| {d{YdV àm{YH¥$V CgHo$ / CgH$s AQ>Zu Ûmam hñVmj[aV hmo.(J) {H$gr H§$nZr {ZH$m` Ho$ ‘m‘bo ‘| dh CgHo$ A{YH$mar Ûmam AWdm {bpIV én ‘| {d{YdV àm{YH¥$V AQ>Zu Ûmam hñVmj[aV hmo. ¶h Ü¶mZ XoZm hmoJm {H$ àm°³gr H$s

{Z¶wº$ H$aZo Ho$ A{YH$ma/{d{YdV àm{YH¥$V à{V{Z{Y Ho$ én ‘| {Z¶wº$ H$aZo dmbo g§H$ën H$s à{V ~¡R>H$ Ho$ AÜ¶j Ûmam gË¶ à{V{b{n Ho$ én ‘| à‘m{UV à{V g§b¾ H$aZr hmoJr.

2. Eogr ‘w»Vmar {bIV, {H$gr eoàYmaH$ Ûmam g‘w{MV én go hñVmj[aV hmoJr, Omo {H$gr H$maU go CZH$m/CZH$s Zm‘ {bIZo ‘| Ag‘W© hmo, ¶{X CZH$m/CZH$s nhMmZ bJm¶m Cgna bJm¶m J¶m hmo Am¡a {H$gr Ý`m`mYre, ‘{OñQóQ>, B§í`ya|g Ho$ a{OñQ´ma `m Cn - a{OñQ´ma `m {H$gr gaH$mar amOn{ÌV A{YH$mar `m XoZm ~¢H$ Ho$ A{YH$mar Ûmam gË`m{nV hmo.

3. ‘w»Vmar Ho$ gmW(H$) ‘w»VmaZm‘m `m AÝ` àm{YH$ma (`{X H$moB© h¡) {OgHo$ VhV Cg na hñVmja {H$E JE hm|,(I) ZmoQ>ar npãbH$ AWdm ‘{OñQóQ> Ûmam gË`m{nV ‘w»VmaZm‘m AWdm AÝ` àm{YH$ma H$s EH$ à{V dm{f©H$ gm‘mÝ` ~¡R>H$ H$s VmarI go Mma {XZ nhbo AWm©V²

ewH«$dma, 22 OyZ 2018 H$mo H$m`© g‘` Ho$ Xm¡amZ `m Cggo nhbo H§$nZr g{Md, {ZdoeH$ g§nH©$ H|$Ð, XoZm ~¢H$, àYmZ H$m`m©b`, XoZm H$m°nm}aoQ> g|Q>a, gr-10, Or-ãbm°H$, ~m§Ðm - Hw$bm© H$m°åßboŠg, ~m§Ðm (nyd©), ‘w§~B© - 400051 ‘| O‘m H$s OmZr Mm{hE.

4. H$moB© ^r ‘w»Vmar {bIV V~ VH$ d¡Y Zht hmoJr O~ VH$ dh {d{YdV ñQ>mpånV Z hmo.5. ~¢H$ ‘| O‘m H$s JB© ‘w»Vmar {bIV A§{V‘ VWm Aà{Vg§haUr` hmoJr.6. Xmo AZwXmZ - J«m{h`m| Ho$ nj ‘| d¡H$pënH$ én go àXÎm ‘w»Vmar {bIV Ho$ ‘m‘bo ‘| EH$ go A{YH$ ’$m‘© H$m {ZînmXZ Zht hmoJm.7. {Og eoàYmaH$ Zo ‘w»Vmar {bIV {Zînm{XV H$s h¡ dh Cg {bIV go g§~§{YV ~¡R>H$ ‘| ì`{º$JV én go ‘XVmZ H$aZo H$m hH$Xma Zht hmoJm {Oggo dh {bIV g§~§{YV hmo.8. XoZm ~¢H$ Ho$ {H$gr H$‘©Mmar `m A{YH$mar H$mo {d{YdV à{V{Z{Y `m ‘w»Vmar Ho$ én ‘| {Z`wº$ Zht {H$`m OmEJm.

`1 H$m amOñd {Q>H$Q>



22dt dm{f©H$ gm‘mÝ` g^m

{XZm§H$ : ~wYdma, 27 OyZ, 2018 H$mo àmV… 11:00 ~Oo

ñWmZ: g^mJma, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU H$m°boO, Oo dr nr S>r `moOZm, Hy$na AñnVmb Ho$ nmg, {dbo nmb} (n{ü‘), ‘w§~B© - 400 056

CnpñWV nMu

(ñWmZ na àdoe Ho$ g‘¶ na àñVwV H$s OmZr h¡)

Zm‘ Am¡a nVm ñnï> Ajam| ‘| (eoàYmaH$/àm°Šgr/E.Ama.)

eoàm| H$s g§»`m

a{O.’$mo{b`mo Z§.

(`{X ~oH$mJOrH¥$V Z hmo)

S>rnr AmB©S>r Z§. d J«mhH$ AmB© S>r Z§.

(`{X ~oH$mJOrH¥$V hmo)

g^m ‘| CnpñWV eoàYmaH$ / àm°Šgr / à{V{Z{Y Ho$ hñVmja



........................................................................................¶hm§ go H$mQ>| ...............................................................................

22dt dm{f©H$ gm‘mÝ` g^m

{XZm§H$ : ~wYdma, 27 OyZ, 2018 H$mo àmV… 11:00 ~Oo

ñWmZ: g^mJma, ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU H$m°boO, Oo dr nr S>r `moOZm, Hy$na AñnVmb Ho$ nmg, {dbo nmb} (n{ü‘), ‘w§~B© - 400 056àdoe nÌ

(g^m Ho$ Xm¡amZ gmW aIm OmE )

Zm‘ Am¡a nVm ñnï> Ajam| ‘|(eoàYmaH$/àm°Šgr/E.Ama.)

eoàm| H$s g§»`m

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MESSAGE FROM EXECUTIVE DIRECTOR

Dear Shareholders,It gives me great pleasure to place before you the Annual Report of your Bank for the year 2017-18.

During the year:

Bank had raised capital of Rs. 401.26 Crore in the month of October, 2017 by issue of Equity shares under Qualified Institutions Placements (QIP) from market.

Government of India has infused an amount of Rs. 3045 Crore as capital. The capital infused has helped your Bank in maintaining capital adequacy ratio of 11.09%.

Further, Bank has repaid its borrowings through redemption of Tier I IPDI Bonds of Rs. 125 Crore and Basel III compliant Additional Tier I bonds of Rs. 1400 Crore, by exercising call option.

This year, your Bank was adjudged as winner in the category of “Best Financial Inclusion Initiatives” amongst small Banks in the IBA Banking Technology Awards 2018, a recognition we cherish for the continuous efforts put by your Bank towards progress of financial inclusion in our country.

Before apprising you about other performance highlights of the Bank for the financial year 2017-18, let me briefly mention the economic environment in which your bank is functioning, both Global and Indian environments, the recent trends in the Indian banking industry, its challenges, opportunities and Road Ahead.

Economic OverviewThe recovery in Global Economy has become broader and stronger since mid-2016. According to the World Economic Outlook report, the world Economy growth at 3.8% was the fastest since 2011.On the back of improved global investment and trade, the growth is expected to tick upto 3.9% in 2018 & 2019. The future prospects of growth momentum are bright as all countries have room for structural reforms and fiscal policies that raise productivity and enhance inclusiveness.

Indian EconomyIn the financial year 2017-18, the Indian Economy has achieved a milestone in terms of introduction of Goods & Services Tax (GST). The GST has helped in increasing the tax base of the Economy and discipline in tax payment culture. Another achievement is the Digital India programme. It not only helped our country to move towards a less cash dependent economy but also expected to bring in the social benefits to the poor more effectively.

The recapitalization plan for major public sector banks announced in 2017 helped replenish capital buffers and improved the banking sector’s ability to support growth. However, strong mechanisms need to be brought in to control increasing level of NPAs and frauds in Banks. The implementation of Insolvency and Bankruptcy Code has created a huge expectation from all stakeholders and is expected to help banking sector in time bound debt recovery mechanisms and to come out of the Corporate NPAs which many Banks are saddled with.

The Economy’s Macro fundamentals, Inflation and Industrial Production showed mixed picture of growth during financial year 2017-18 with low production and low inflation levels.

The journey of economic reforms during the past few years has been challenging but at the same time rewarding. As a result of the reforms undertaken by the Government, foreign direct investment has gone up. Measures taken by the Government have made it much easier to do business in India. Natural resources are now allocated in a transparent and honest manner.

Banking Industry TrendsDuring financial year 2017-18, banks were contended with multiple challenges tied to regulations, legacy systems, disruptive models, technologies, new competitors, and a restive customer base while pursuing new strategies for sustainable growth. Banks’ balance sheets are strained with provisioning from increased NPA levels resulting in lower profitability.

Though, Banking Industry is experiencing the heat of various challenges, the regulatory steps such as, issuance of Recapitalization bonds, Revised NPA framework and implementation of Insolvency & Bankruptcy Code by the Government of India and the RBI, is expected to bring Industry out of this stressful scenario.

Long-term sustainable growth in the banking industry is expected only through continuous Customer centricity, Regulatory recalibrations, Technology Management & adoptions, mitigating cyber risks and reorganizing our workforce to suit new environments.

Performance of the BankThe key highlights of your Bank’s performance during financial year 2017-18:

- I am glad to inform you that during FY 2017-18, your Bank has achieved and surpassed all regulatory targets given under Priority Sector Agriculture, Non- Corporate Farmers, Small & Marginal Farmers, Weaker Section and Micro Enterprises.

- Bank continued its stand on shedding high cost deposits and accordingly the CASA % to Total deposits ratio increased from 37.93% in March, 2017 to 40.03 % in March, 2018.

- The Credit to Deposit CD ratio of the Bank increased from 68.05% in March, 2017 to 69.95 % in March, 2018.

- Agricultural Advances increased from Rs.16,375 Crores as on 31st March, 2017 to Rs. 18,179 Crores as on 31st March, 2018, registering a growth of 11.02% and constituted 21.38% of Adjusted Net Bank Credit (ANBC) surpassing the regulatory target of 18%.

- Priority Sector advances as of March, 2018 stood at Rs. 35,949 Crore which is 42.27% of Adjusted Net Bank Credit (ANBC) surpassing the regulatory benchmark of 40%.

- Net interest income of the bank increased from Rs 2,408.36 Crore in March, 2017 to Rs 2,475.82 crore in March, 2018 and the Net interest margin for the same period increased from 2.00% to 2.19%.

- Cost of Deposits of the bank decreased from 6.43 % in FY 2016-17 to 5.62 % in FY 2017-18.

Asset QualityDuring the financial year 2017-18, Bank made cash recovery of Rs. 931.24 Crore as against Rs. 1,119.87 Crore during previous year.

Your Bank recovered Rs. 146.60 Crore from Written-Off accounts as against Rs. 120.08 Crore during previous year.

As on 31st March, 2018, Gross NPA stood at Rs. 16,361.44 Crores as against Rs. 12,618.73 Crores during the previous year. Gross NPA percentage is at 22.04% as compared to 16.27% during the previous year.

As on 31st March, 2018 Net NPA stood at Rs. 7,838.78 Crores as against Rs. 7,735.12 Crores during the previous year. Net NPA percentage is at 11.95% as compared to 10.66% during the previous year.

Capital Adequacy NormsThe Capital to Risk (Weighted) Asset Ratio (CRAR) under Basel III norms moved from 11.39% as on 31st March 2017 to 11.09% as on 31st March 2018 as against regulatory requirement of 10.875%.

Similarly, CET 1 capital ratio of the Bank moved from 7.24% as on 31st March 2017 to 8.81% as on 31st March 2018 as against regulatory requirement of 7.375%.

Branch Expansion With the view to contain the operational expenses and improve efficiency, Bank took a conscious stand on Branch Openings and no new branch was opened during financial year 2017-18. Bank has also initiated Branch Rationalization process. Accordingly Board of Directors of the Bank has approved merger of 17 branches with other branches of which 2 branches were merged during financial year 2017-18. As on 31st March, 2018 your Bank is having 1,872 branches (including 72 satellite branches).


MESSAGE FROM EXECUTIVE DIRECTOR

Human Resource DevelopmentDuring the year 2017-18, the Bank has recruited 21 Probationary Officers, 13 Specialist Officers, 128 Clerks and 148 Subordinate Staff. The current Human Capital of the Bank is 13,613 of which 3,705 are women.

Digital InitiativesYour Bank has taken various digital initiatives for providing seamless and convenience solutions to customers as well as for its staff members. Some of the successfully implemented Digital initiatives are

- Digitisation of 29 Villages

- Bank has launched new Mobile Banking Application

- New Internet Banking Application launched

- Launched Unified Payment Interface (UPI) Application

- BHIM Aadhaar Pay application launched and 12,796 BHIM Aadhar Deployed to Merchants.

- Bharat QR Code for Issuer (UPI based payments) and acquirer (POS based payments) are live.

- Successful operationalization of GST Payment module for customers.

- Deployment of 7,565 POS Terminals of which 302 POS Terminals are deployed in Tier 5 & 6 centres

BPR Initiatives Bank has partnered with Boston Consulting Group (BCG) for the transformation project – “Dena Pragati” and your Bank has introduced host of new products and set in place new systems and processes.

I. Bank has opened a new CASA Back-office for centralized account opening.

II. Lead Management System ‘Dena Sampark’ launched pan-India for processing of leads

III. IVR based Call Center: around 50000 average inbound calls received p.m.

IV. Existing Retail Asset Processing Centres were restructured with modified process flow and exclusive usage of Lend Perfect software for retail loan processing

V. MSME Hub launched for 29 branches in Thane zone as pilot

VI. Digital Pathshala was organised across all branches for increasing registrations across digital channels

Other Initiatives 1. Dealer Payout scheme for sourcing vehicle loan leads in consumer

loan segment

2. Empanelment of Home loan counselors for sourcing Home loan Proposals.

3. New OTS scheme for small borrowers – “Dena Rin Mukti Yojana” covering all sectors including Agriculture and MSME.

4. To provide better product offerings to its customers, your Bank has entered into various tie-ups such as:

a. Tie up with Maruti Suzuki India Ltd for Passenger Car finance arrangement.

b. Tie up with SMERA Ratings Ltd for sourcing of MSME loan leads

c. To improve MSME lending, Bank has registered with the Receivables Exchange of India Limited (RXIL) on their online platform for Trade Receivables Discounting System (TReDS) business

d. Tie-up with National Housing Bank for implementation of Pradhan Mantri Awas Yojana – Credit Linked Subsidy Scheme (PMAY-CLSS) for beneficiaries of EWS/LIG/MIG and Rural Housing Interest subsidy scheme (RHISS).

Inclusive GrowthIn order to reap the benefits of economic growth, we need to make it inclusive. In addition to being valuable for its own, inclusive growth fuels further economic growth. As already mentioned, Your Bank has done exceptionally well in this area and also received recognition for its initiatives in the area of Financial Inclusion.

Your Bank has opened 44.06 lac accounts under Pradhan Mantri Jan Dhan Yojana [PMJDY] against the target of 18.50 lac accounts and also issued 26.52 lac RuPay Cards.

Your Bank has covered all the allotted 6,485 villages under Financial Inclusion of which 746 villages are covered through Brick & Mortar Branches and 5,739 villages are covered through BC model. Your Bank has enrolled 10.60 crore residents for Aadhaar as of 31st March 2018 and is having top position among Non-State Registrars to UIDAI.

Future OutlookFor the year 2018-19, reduction in NPA will be the top most priority for the Bank. This year your bank is also expecting sizeable recovery from resolution of Corporate NPA cases referred to the NCLT. In addition, bank will also focus to bring down the retail NPA levels and all out efforts will be made and more particularly in Recovery in written-off accounts.

Your Bank has created a new vertical “Stressed Asset Management Vertical” with objective to have focused recovery efforts to ensure effective recovery process.

Bank will continue its focus on CASA, Retail, MSME and Agriculture advances.

Bank has introduced various new processes and system modifications through the BPR Transformation Project wherein the actual benefits of this transformation project are expected to be realized during this financial year.

Acknowledgement As I conclude, I express my sincere thanks and gratitude to Government of India, Reserve Bank of India, various State Governments, Securities and Exchange Board of India, Insurance Regulatory and Development Authority of India and all other Stakeholders for their valuable patronage, guidance, support and timely advice and seek their continued support and co-operation.

My profound thanks are also due, to all the Shareholders, Customers and Well-Wishers for their valuable patronage and support during this challenging period of financial year 2017-18 and hope to receive their continued patronage.

The Board of the Bank has been proactively guiding the Bank during these testing times and I want to place on record the appreciation for their encouragement and guidance.

I am also thankful to the NABARD, SIDBI and other Financial Institutions, Banks and Correspondents for their continued support to the Bank.

Last but not least, I wish to place on record, the deep appreciation for untiring and relentless efforts put in by all the staff members of the Bank, without whom the progress achieved in these demanding times, would not have been possible. Family members of the staff also need to be acknowledged for their continued support to the Institution.

I look forward for the continued cooperation and support from all stakeholders for sustained progress of the Bank in the years to come.

With best wishes,

(Ramesh S. Singh)

131dm{f©H$ [anmoQ>© Annual Report 2017-18DIRECTORS’ REPORT 2017-2018

ToThe Members1. The Board of Directors has great pleasure in presenting the Annual

Report along with the Audited Financial Statement of Accounts and the Cash Flow Statement of the Bank for the year ended March 31, 2018.

2. Performance Highlightsi. Savings Bank Deposits of the Bank increased from Rs. 36,239 cr

as on 31st March, 2017 to Rs. 36,471 cr as on 31st March, 2018 registering a growth of 0.64%.

ii. CASA Deposits of the Bank decreased from Rs. 43,222 cr as on 31st March, 2017 to Rs. 42,485 cr as on 31st March, 2018 registering a reduction of 1.71%. CASA as percentage of Total Deposit has increased from 37.93% as on 31st March, 2017 to 40.03% as on 31st March, 2018.

iii. Priority Sector Advances decreased from Rs. 36,992 crore as on 31st March, 2017 to Rs. 35,949 crore as on 31st March, 2018, registering a negative growth of 2.82%. Priority Sector Advances as of 31.03.2018 42.27% of Adjusted Net Bank Credit (ANBC) surpassed the regulatory target of 40%.

iv. Agricultural Advances increased from Rs. 16,375 crore as on 31st March, 2017 to Rs. 18,179 crore as on 31st March, 2018, registering a Y-o-Y growth of 11.02%. Agriculture Advances constituted 21.38% of Adjusted Net Bank Credit (ANBC), surpassing the regulatory target of 18%.

v. MSME advance under priority sector decreased from Rs. 15,316 crore as on 31st March, 2017 to Rs. 11,638 crore as on 31st March, 2018, registering a negative growth of 24.01%.

vi. Total Retail advance has registered Y-o-Y negative growth of 0.46 % and stood at the level of Rs. 13,240 crore as on 31st March, 2018 as against Rs.13,301 crore as on 31st March, 2017.

vii. Bank’s Operating profit for the FY 2017-18 has decreased by 15.76 % to Rs. 1,171 cr as compared to Rs. 1,390 cr for the FY 2016-17.

viii. Interest income on investments for the FY 2017-18 has decreased by 7.71% to Rs. 2682 cr as against Rs. 2,906 cr for the FY 2016-17.

ix. Capital to Risk (Weighted) Asset Ratio (CRAR) under Basel III has decreased and stood at 11.09 % as on 31st March, 2018 as compared to 11.39% as on 31st March, 2017.

x. Tier I capital ratio of the Bank decreased from 9.05% as on 31st March 2017 to 8.81% as on 31st March 2018.

xi. Cash recovery in NPA accounts stood at 931.24 cr in FY 2017-18 compared to Rs. 1,119.87 cr in FY 2016-17.

xii. Recovery in Written-Off accounts increased from Rs. 115 cr for FY 2016-17 to Rs. 142 cr in FY 2017-18.

xiii. Cost of Deposits reduced from 6.43% for FY 2016-17 to 5.62% for FY 2017-18 and as a result Interest Expenses on Deposits reduced from Rs. 7,213 cr as on 31st March, 2017 to Rs. 5,955 cr as on 31st March, 2018.

xiv. Key Statistics(Rs. In Crore)

Particulars As of 31st March2017 2018

Deposits 113,943 106,130Advances 77,538 74,239Business Mix 191,481 180,369Investments 40,190 38,040Priority Sector 36,992 35,949Agriculture 16,375 18,179


Retail 13,301 13,240MSME-PS 15,316 11,638Gross NPA 12,619 16,361Net NPA 7,735 7,839% of Gross NPA to Gross Advance

16.27 22.04

% of Net NPA to Net Advance 10.66 11.953. Income Analysis The financial performance of the Bank for the year 2017-18 is

summarized below:(Rs. In Crore)


Operating Profit 1,390.21 1,171.16Interest Income 10,181.67 8,932.23Interest Expenditure 7,773.31 6,456.41Net Interest Income 2,408.36 2,475.82Non-Interest Income 1,251.39 1,163.52Provisions and contingencies 2,253.84 3,094.31Profit before Tax [1,275.36] [3178.75]Provision for Taxes [411.73] [1255.60]Net Profit [863.63] [1923.15]

4. Key Financial Indicators(in %)


Net Interest Margin 2.00 2.19Return on Assets [0.67] [1.59]Cost to Income Ratio 62.01 67.82Provision Coverage Ratio 50.56 60.20Cost of Deposit 6.43 5.62Cost of Funds 6.54 5.84Yield on Advance 8.98 8.00Yield on Fund 8.03 7.51Yield on Investments 7.57 7.26Return on Equity [13.50] [26.17]Earning Per Share (Rs.) [11.89] [18.06]Book Value (Rs.) 65.42 27.45

5. During the year 2017-18, Bank has not opened any new Branch, due to Prompt Corrective Action (PCA) enforced on Bank by Reserve Bank of India. Further, Bank has merged two Branches in other existing Branch and Branch network of the Bank stood at 1,872 (including 72 Satellite Offices). All the branches of the Bank are covered under CBS.

6. During the year 2017-18, Bank has established 3 new E-Smart centers taking the total to 98. In E-Smart centers, customers can deposit cash, deposit cheques, withdraw cash, get their passbooks printed and access their account through internet banking facility on 24*7 basis.

7. During the year 2017-18, Bank installed 1775 POS and has launched a new mobile banking channel i.e. Unified payment Interface (UPI) promoted by NPCI.

8. Dividend Board of Directors has not recommended any Dividend for the FY

2017-18.


DIRECTORS’ REPORT 2017-2018

9. Net Worth and CRAR9.1 Net Worth of the Bank stood at Rs. 5108.04 cr as on 31st March,

2018.9.2 CRAR :

(in %)

Basel IIIMarch 2017 March 2018

CRAR Tier- I Capital 9.05 8.81CRAR Tier -II Capital 2.34 2.28Total 11.39 11.09

10. Changes in Board of Directors10.1 The Board of Directors of the Bank, as on 31st March 2018,

comprised two Executive Directors, being whole-time Directors and six other directors as under:• One Government of India Nominee Director,• One Reserve Bank of India Nominee Director;• Two Directors appointed by Govt. of India; and• Two Shareholders’ elected Directors;

10.2 Shri Ashwani Kumar, Chairman & Managing Director, ceased to be a Director of the Bank w.e.f. 31.12.2017, after completion of his 5 years tenure in terms of Notification No. F.No.4/4/2011-BO.I. dated 09th November, 2012 received from Government of India, Ministry of Finance, Department of Financial Services. The Board of Directors placed on record their appreciation for the exemplary leadership and direction provided by Shri Ashwani Kumar, during his tenure as Chairman & Managing Director on the Board of the Bank.

10.3 Smt Trishna Guha, Executive Director, retired from the Board on August 31, 2017, upon attaining superannuation. The Board of Directors placed on record their appreciation for valuable contribution made by Smt Trishna Guha, during her tenure as Executive Director on the Board of the Bank.

10.4 Dr. Rajesh Kumar Yaduvanshi has been appointed as Executive Director in terms of Notification No. F.No.4/5/(6)2017-BO.I. dated 09th October, 2017 received from Government of India, Ministry of Finance, Department of Financial Services w.e.f. 09th October, 2017 for a period of three years or until further orders, whichever is earlier under Clause (a) of Sub-Section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 read with sub-clause (1) of clause 3 and sub-clause (1) of clause 8 of The Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.

10.5 Shri Bankim R Desai, Workmen Employee Director, appointed under Clause (e) of Sub-section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 read with sub-clause (1) & (2) of clause 9 of The Nationalized Banks (Management & Miscellaneous Provisions) Scheme 1970/1980, w.e.f. 19.09.2014, ceased to be a Director of the Bank from 19.09.2017 on completion of his tenure. The Board of Directors placed on record their appreciation for valuable guidance provided by Shri Bankim R Desai, during his tenure as Director on the Board of the Bank.

10.6 Dr. Umesh Bellur, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The Board of Directors placed on record their appreciation for valuable guidance provided by Dr. Umesh Bellur, during his tenure as Director on the Board of the Bank.

10.7 Shri V Chandrasekaran, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (A Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The

Board of Directors placed on record their appreciation for valuable guidance provided by Shri V Chandrasekaran, during his tenure as Director on the Board of the Bank.

10.8 Dr. Yasho Verdhan Verma, Shareholder Director, elected under clause (i) of sub-section (3) of Section 9 of Banking Companies (A Acquisition and Transfer of Undertakings) Act, 1970/1980, w.e.f. 24th March, 2015, ceased to be a Director of the Bank upon completion of his tenure of three years on 23rd March, 2018. The Board of Directors placed on record their appreciation for valuable guidance provided by Dr Yasho Verdhan Verma, during his tenure as Director on the Board of the Bank.

10.9 During the Financial Year under review, in terms of Clause (i) of sub-section (3) of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, the Bank conducted an Extraordinary General Meeting of Shareholders of the Bank other than the Central Government, for election of two Shareholder Directors at Sir Sorabji Pochkhanawala Bankers’ Training College, Mumbai on March 27, 2018. After the successful exercise of election, two Shareholder Directors i.e. (i) Dr Yasho Verdhan Verma and (ii) Shri Rakesh Kumar, were elected as Shareholder Directors representing shareholders other than Central Government. These Directors have hold office for three years w.e.f. March 28, 2018.

11. Directors’ Responsibility Statement The Directors, in preparation of the annual accounts for the year

ended March 31, 2018, confirm the following: i. That in the preparation of the annual accounts, the applicable

standards have been followed along with proper explanation relating to material departures.

ii. That they have selected such accounting policies and applied them consistently and made judgments and estimates that are reasonable and prudent so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year and of the profit or loss of the Bank during the period.

iii. That they have taken proper and sufficient care for the maintenance of adequate accounting records in accordance with the provisions of applicable laws governing banks in India for preventing and detecting frauds and other irregularities.

iv. That they have prepared the annual accounts on a going concern basis.

Acknowledgments12.1 The Board of Directors expresses its patronage and sincere

thanks to the Bank’s valued customers, shareholders and well-wishers for their valuable contribution towards the progress of the Bank and seek their continued support and co-operation in future.

12.2 The Board of Directors acknowledges with gratitude, the timely advice, valuable guidance and support received from Government of India, Reserve Bank of India & other regulators.

12.3 The Board of Directors is also thankful to the Financial Institutions / Banks and Correspondents for their cooperation and support to the Bank.

12.4 The Board of Directors wish to place on record, the deep appreciation of the valuable contribution made by the staff, at all levels, for the progress achieved in Bank’s business. The Directors look forward to their continued cooperation in faster business development and progress of the Bank.

For and on behalf of Board of Directors

Place: Mumbai (Ramesh S. Singh)Date: 31.05.2018 Executive Director


1. Global Economic Scenario: The last decade has been punctuated by a series of broad-based

economic crises and negative shocks, starting with the global financial crisis of 2008–2009, followed by the European sovereign debt crisis of 2010–2012 and the global commodity price realignments of 2014–2016. Since then the Global recovery is underway, aided by a rebound in investment and trade, against the backdrop of benign financing conditions, generally accommodative policies, improved confidence, and the dissipating impact of the earlier commodity price collapse.

As these crises and the persistent headwinds that accompanied them subside, the world economy has strengthened, offering greater scope to reorient policy towards longer-term issues that hold back progress along the economic, social and environmental dimensions of sustainable development.

According to the World Economic Outlook Report of IMF, the World Economy is expected to grow at 3.8% in 2018.

In advanced economies, growth is driven by a pickup in capital spending, a turnaround in inventories, and strengthening external demand. While growth accelerated in all major economies, the improvement was markedly stronger than expected in the Euro Area.

Growth among Emerging Markets and Developing Economies (EMDEs) is estimated to have accelerated to 4.3 percent in 2017, reflecting firming activity in commodity exporters and continued solid growth in commodity importers.

2. Domestic Economic Development: The Indian Economy has successfully marked its presence across

globe. Despite various challenges such as, Currency Exchange Initiative and implementation of GST, the transformation of Indian Economy has flagged its success.

The RBI, in its recent Monetary Policy has projected the GDP growth to 7.4% in FY 2018-19 on account of revival in investment activity as reflected in the sustained expansion in capital goods production and still rising imports, albeit at a slower pace than in January. Second, global demand has been improving, which should encourage exports and boost fresh investment.

Nevertheless, the corporate debt overhang and associated banking sector credit quality concerns exert a drag on investments in India. The recapitalization plan for major public sector banks announced in 2017 is expected to help replenish capital buffers and improve the banking sector’s ability to support growth. This recapitalization is expected to be a broader package of financial reforms to improve the governance of public sector banks, and to enhance banks’ debt recovery mechanisms.

With the efforts of GoI, on various structural and Regulatory reforms, the investment climate in the country has improved as the stocks of stranded investment in stalled projects have started to decline.

The RBI and Global organizations such as IMF & World Bank, has expressed optimism on the growth front with risks remaining evenly balanced. Further, accommodative policies amid benign global financing conditions and low inflation have supported domestic demand which in turn is expected to support the growth of the Economy.

3. Banking Industry Trends: Banking sector is experiencing challenges in terms of rising NPA

levels and lower than expected credit growth.

During the year, Deposit growth fell to a five-decade low in fiscal year ended March 2018 as the demonetization windfall withered away and the lure of other savings instruments such as Mutual Funds and Insurance eroded the competitiveness of bank

deposits. Aggregate deposits in the banking system grew by 6.7% in 2017-18 on account of reversal from the huge deposits collected in light of the November 2016 demonetization.

Credit growth of Scheduled Commercial Banks (SCBs) has registered a growth of 9.81% against 5.59% growth in corresponding period in FY17. The growth off-take is further expected to go up due to Base effects, Increase in demand and decrease in output gap. Further, with Insolvency and Bankruptcy code in place, recovery mechanisms in Banking Industry are expected to strengthen, facilitating time bound resolutions.

On the Digital front, cashless transactions are witnessing an increasing trend and customer adoptions to various new age digital products such as, UPI, Wallets, QR and AEPS etc. have improved manifold and creating new expectations from banks.

4. Outlook: India has made progress on structural reforms in the recent past,

including implementation of the Goods and Services tax, which are expected to reduce internal barriers to trade, increase in efficiency, and also improvement in the overall tax compliances.

The Monetary Policy Committee notes that growth has been recovering and the output gap is closing. This is also reflected in a pick-up in credit off take in recent months. The large mobilization of resources from the primary capital market is expected to support investment activity further. While the domestic cyclical recovery is underway, the long-term growth potential is also expected to be reinforced by various structural reforms introduced in the recent past.

On the downside, the deterioration in public finances risks crowding out private financing and investments. Furthermore, even as global growth and trade have been strengthening, rising trade protectionism and financial market volatility could derail the ongoing global recovery. In this unsettling global environment, it is especially important that domestic macroeconomic fundamentals are strengthened, deleveraging of distressed corporates and rebuilding of bank balance sheets persisted with, and the risk-sharing markets deepened.

Overall, the outlook for India remains largely positive, underpinned by robust private consumption and public investment as well as ongoing structural reforms.

5. Business Performance of the Bank: The composition of Total Business Mix of the Bank for the last two

years is as under:(Rs. in cr)

Particulars 31st March 2017 31st March 2018Total Deposits 113,942.77 106,130.15Total Advances 77,537.84 74,238.58Total Business Mix 191,480.61 180,368.73

6. Deposit Mobilisation:(Rs. in cr)

PARAMETERS Mar-18CURRENT DEPOSITS (INCLD. ODTD) 6,013.53% OF AGG DEPOSITS 5.88%SAVING DEPOSITS 364,71.49% OF AGG DEPOSITS 35.67%TERM DEPOSITS 597,62.34% OF AGG DEPOSITS 58.45%AGGREGATE DEPOSITS 102,247.36INTERBANK DEPOSITS 3882.79TOTAL DEPOSITS 106,130.15% CASA TO TOTAL DEPOSITS 40.03%

MANAGEMENT DISCUSSION AND ANAlYSIS 2017-2018



7. Credit Monitoring & Asset Quality: Bank has aligned its’ monitoring mechanism in tune with RBI’s

Revised Framework for Resolution of Stressed Assets, issued vide circular no. DBR.No.BP.BC.101/21.04.048/2017-18 dated 12.02.2018.

Based on Monthly Monitoring Report (MMR) generated on daily basis from Finacle on accounts having sanctioned limit of Rs.25 lacs and above, list of accounts with overdue of 7 days and above are being mailed to respective ZOs/CBBs on weekly basis, for further follow up action / resolution plan.

Meetings of Zonal Slippage Prevention Committees (ZSPC) are conducted on fortnightly basis for borrowal accounts of Rs.10 lacs and above. Credit Monitoring Cell (CMC) at Head Office keeps track of the minutes and latest developments in borrowal accounts of Rs 1 crore and above. At HO level, the accounts above Rs 1 crore are also discussed by the top management with the concerned Zones/CBBs through weekly Video Conference Meetings.

The overdue accounts are also being monitored through Branch Mirror Portal which has been operationalized in January, 2018.

8. Advances to Priority Sector:8.1 The Bank has been consistently fulfilling its social obligations

in respect of priority sector lending. The Bank has adopted multipronged strategies during the year to augment credit flow to this sector. Bank’s Priority Sector Advances as of 31.03.2018 stood at Rs.35,949 crore. The ratio of priority sector advances to Adjusted Net Bank Credit stood at 42.27% as of March, 2018 surpassing the regulatory benchmark of 40%.

8.2 lending to Agriculture: In line with the Government’s Farm Credit Package, the Bank

has been continuously taking necessary measures to step up the flow of credit to Agriculture. During the year, the outstanding under agriculture credit has increased from the level of Rs.16,375 crore as of March, 2017 to Rs.18,179 crore as of March, 2018, registering a y-o-y growth of 11.02%. The outstanding exposure under Agriculture credit is 21.38% of the Adjusted Net Bank Credit, surpassing the benchmark of 18%, as on 31st March 2018.

Out of total Agricultural credit, advances to Small / Marginal farmers has increased from the level of Rs.6,252 crore as of March, 2017 to Rs.8,268 crore as of March, 2018, registering a growth of 32.25%. The ratio of Advances to Small/ Marginal Farmers to Adjusted Net Bank Credit was 9.72% as on 31st March, 2018 as against the benchmark of 8%.

8.3 Progress under Special Agricultural Credit Plan: The Bank has disbursed agriculture loans of Rs.6,971 crore during

the year 2017-18 under Special Agriculture Credit Plan as against the target of Rs.6,825 crore thus achieving 102 % of the targets.

8.4 Dena Kisan Credit Cards: The Bank has implemented Revised Kisan Credit Card Scheme

as per GOI guidelines. The Bank has issued total 3,76,607 Kisan credit cards with an outstanding credit of Rs.7,510 crore as of March 2018 as against of 3,70,435 cards amounting to Rs.6,974 crore as of March 2017 showing growth of Rs.536 crore (7.69%) in amount and 6,172 cards (1.67%) in number of KCC accounts.

Further in order to facilitate the farmers, Bank has been issuing ATM enabled RuPay debit cards to Kisan Credit Card holders which can also be used at Point of Sale (POS).

8.5 Advances to weaker section: Advances to the weaker section marginally decreased from a

level of Rs.10,019 crore as of March 2018 to Rs.9,931 crore as of March 2018, registering a negative growth of Rs.88 crore (-0.88% growth). The Bank advances to Weaker Section stood at 11.68 % of the Adjusted Net Bank Credit.

8.6 Prime Minister’s 15 point Programme for the welfare of Minorities:

The credit flow to minority communities has stood at the level of Rs.4,070 crore as of March 2018 which constitutes 11.32 % of Priority Sector Advances.

8.7 Coverage under CGTMSE Scheme: The Bank has been participating under the guarantee scheme

of Credit Guarantee Fund Trust for Small and Micro Enterprises (CGTMSE) to provide collateral free loans to Small and Micro Enterprises. The total number of cases covered under the scheme stood at 13,625 with a guarantee cover of Rs.763.29 crore, as at the end of the financial year 2017-18.

8.8 Coverage under NCGTC Scheme: Bank has been participating under the guarantee scheme of

National Credit Guarantee Trust for Mudra loans (NCGTC) to provide collateral free loans to Small and Micro Enterprises. The total number of cases covered under the scheme stood at 7,859 with a guarantee cover of Rs.70.14 crore as at the end of the financial year 2017-18.

8.9 Government Sponsored Schemes:8.9.1Prime Minister Employment Generation Programme (PMEGP): The Bank is actively implementing PMEGP which is aimed at

eradication of poverty and for generating self-employment. The Bank has sanctioned loans to 1,206 beneficiaries amounting to Rs.74.49 crore under PMEGP during 2017-18.

8.9.2Deendayal Antyodaya Yojana – National Rural livelihood Mission (DAY- NRlM):

Bank has extended loans to 6,507 beneficiaries under DAY-NRLM amounting to Rs.50.63 crore during 2017-18. Total 3,874 beneficiaries from 250 identified districts have been benefited by interest subvention of Rs.63.77 lac during the financial year 2017-18.

8.9.3Deendayal Antyodaya Yojana – National Urban livelihood Mission (DAY- NUlM):

The Bank has sanctioned loans to 491 beneficiaries under DAY-NULM amounting to Rs.3.67 crore during the FY 2017-18.

8.10 Dena General Credit Card (DGCC) Scheme: The Bank is providing overdraft facility up to Rs.25,000/- under this

scheme to borrowers of small means under rural and semi-urban areas. The Bank has issued 13,369 DGCC Cards as of March 2018.

8.11 Credit Counselling Center / Financial literacy Center: RBI has directed the Banks to open Credit Counselling centres

in the respective Lead districts to ensure 100% financial inclusion. Accordingly, in pursuance with the guidelines of RBI to set up credit counselling centres, Bank has rolled 18 Credit Counselling centres at Ahmedabad, Banaskantha (Palanpur), Gandhinagar, Kutch, Mehsana, Patan, Aravali, Botad, Devbhumi Dwarka & Himmatnagar (Sabarkantha) in the State of Gujarat, Durg, Dhamtari, Mahasamund, Gariyaband, Balod, Raipur & Rajnandgaon in the State of Chhattisgarh and Silvassa in the UT of Dadra & Nagar Haveli.

8.12 Corporate Social Responsibility:8.12.1 Rural Self Employment Training Institutes (RSETIs): Dena Bank has set up a Society known as Dena Rural Development

Foundation (DRDF) with a corpus of Rs.50 lacs. Subsequently, Bank has contributed Rs.9.20 crore towards corpus fund thereby increasing the corpus to Rs.9.70 crore.

DRDF in turn has set up 12 Rural Self Employment Training Institutes (RSETIs) in its lead districts viz (i) Ahmedabad, (ii) Bhuj (Kutch), (iii) Mehsana, (iv) Palanpur (Banaskanta), (v)


Himmatnagar (Sabarkanta) (vi) Patan in the State of Gujarat, (vii) Durg, (viii) Dhamtari (ix) Mahasamund (x) Raipur (xi) Rajnandgaon in the State of Chattisgarh and (xii) Silvassa in the U. T. of Dadra & Nagar Haveli where bank is shouldering lead bank responsibility.

Bank has so far contributed an amount of `4.78 crore towards construction of RSETI buildings.

All RSETIs sponsored by DRDF have been graded as AA for FY 2017-18 by MoRD, GOI except RSETI Bhuj (RSETI Bhuj graded as AB).

8.13 State level Bankers’ Committee (SlBC) Responsibilities: The Bank has been discharging its responsibilities as a Convener

of SLBC for the State of Gujarat and also as Convener of UTLBC for the Union Territory of Dadra & Nagar Haveli and Daman & Diu. The SLBC has played catalytic role for the development of banking in the State of Gujarat, UT of Dadra & Nagar Haveli and Daman & Diu through constant monitoring of various Priority Sector and developmental schemes.

8.14 lead Bank Scheme: The Bank is successfully discharging its lead bank responsibility in

18 districts of which 10 districts are located in Gujarat, 7 districts in Chhattisgarh and one in Union Territory of Dadra & Nagar Haveli.

8.15 Regional Rural Banks sponsored by the Bank: Bank has sponsored Dena Gujarat Gramin Bank (DGGB) having

network of 241 branches spread over 8 districts of Gujarat as on 31.03.2018. The total business mix of DGGB stood at Rs.6,715 crore as of March 2018. During the financial year ended 31st March, 2018, net profit of DGGB was Rs.18 crore. All the 241 branches are covered under Core Banking System.

9. Financial Inclusion:9.1. Rural Financial Inclusion: The Bank has a Financial Inclusion Plan which envisages road map

for providing banking services through banking outlets in villages allocated to it by various SLBCs under Lead Bank Scheme.

The Bank has engaged M/s Tata Consultancy Services (M/s TCS) as the Application Service Provider (ASP) for implementation of Financial Inclusion (FI). Bank has engaged individual Business Correspondents (BCs) in FI villages and provided UIDAI/IBA standard 1.5.1 version, AEPS,Ru-Pay card transactions enabled Micro ATMs/TABs to them.

9.1.1Progress in coverage of SSA villages: The Bank has been allotted total 2105 SSAs(covered villages

6485) under Financial Inclusion for coverage by March 2018.All these SSAs have been covered, of which 681 villages through Brick & Mortar Branches and remaining 1424 SSAs through 1424 Business Correspondents (BCs).

9.1.2 Basic Savings Bank Deposit Accounts (BSBDAs):The Bank has opened 69.64 lac BSBDAs (Basic Savings Bank Deposit Accounts) against the target of 87.30 lac accounts for March 2018.

9.1.3 Dena General Credit Cards: As of March 2018, Bank has issued 13,500 Dena General Credit Cards (including Artisan Credit Cards) with credit limit amounting to Rs.21.09 crore.

9.1.4Urban Financial Inclusion: In Urban areas, Bank is pursuing Financial Inclusion by covering unbanked pockets of urban centers, which are predominantly inhabited by people having no / difficult access to banking services i.e. migrant population and labourers, through Branch set up.

9.2 PradhanMantri Jan DhanYojana (PMJDY) : As on 31.03.2018, Bank has opened 44.06 lac accounts under

Pradhan Mantri Jan Dhan Yojana (PMJDY) which was launched on 28.08.2014. RuPay cards have been issued to 26.52 lac account holders as on the said date. Bank has covered all households

with at least one saving bank account in 2105 Sub Service Areas (SSAs) and 776 urban wards allotted to Bank. Bank customers under PMJDY scheme are eligible for accident insurance coverage of Rs. 1.00 lakh under RuPay Debit card insurance scheme and Life Insurance coverage of Rs.30,000/- which is available for accounts opened during the PMJDY campaign period 28-08-2014 to 26-01-2015.

9.3 DirectBenefitTransfer&DirectBenefitTransferforLPG: Bank has successfully launched and implementing Direct Benefit

Transfer Scheme (PAHAL) as per Govt. of India Guidelines through Aadhaar Payment Bridge System (APBS) and Aadhaar Enabled Payment System (AEPS). Direct Benefit Transfer for LPG is re-launched in 54 districts w.e.f. 15th November, 2014 and in all remaining districts of the country since 1st January, 2015. The subsidy amount can be credited directly to account with or without Aadhaar number. To enable the beneficiaries to receive the subsidy/benefit to their accounts under DBT, Bank is facilitating Aadhaar seeding through various channels like internet banking, ATMs and SMS through mobile. Bank is also undertaking Aadhaar seeding in accounts under campaign mode by organizing camps, meetings in villages allotted to Bank.

9.4 Aadhaar Enrolment under UIDAI: As per UIDAI directive, every schedule commercial bank was to

set up Aadhaar Enrolment and Update Centres inside its Branch premises at a minimum 1 out of their every 10 branches. Bank has set up 191 Aadhaar centres within the stipulated timeline of 31.03.2018.

9.5 Ru-Paycard and AEPS transactions through Micro ATMs: Bank has implemented Ru-Pay card transaction module and

Aadhaar Enabled Payment System (AEPS) through Micro ATMs/TABs provided to Business Correspondents (BCs). AEPS ON-Us (Intra-bank) & OFF-Us (Inter-bank) in implemented in all Micro ATMs/TABs deployed to BCs.

The RuPay card holder and Aadhaar number holder customers of our Bank as well as other Banks can now make transactions like cash withdrawal, cash deposit, balance inquiry, mini statement etc. through Micro- ATMs/TABs provided to Bank Mitrs of our Bank. This will facilitate better banking services to customer of our Bank/other Banks in remote areas.

9.6 Overdraft Facility in PMJDY Accounts:

As per the guidelines of Govt. of India, Bank has approved the scheme for grant of overdraft facility upto Rs. 5,000/- to PMJDY customers subject to satisfactory conduct of accounts for a period of 6 months and other financial criteria. Bank has sanctioned Overdraft limit to 36,968 customers for Rs.38.89 lakh as of 31st March 2018. The Overdraft under PMJDY is categorized as Priority Sector advances and the progress is also reported under MUDRA.

9.7 Aadhaar seeding in PMJDY & other saving accounts: Due to conducting of Aadhaar seeding camps at Branch and BC

locations regularly on weekly basis, Aadhaar seeding in Operative Saving Bank accounts of the Bank has improved to 88.09% as of 31.03.2018 from 61.36% as of 31.03.2017 and in Operative PMJDY improved to 80.81% as of 31.03.2018 from accounts to 61.89% as of 31.03.2017.

10. Advances to MSME Sector: MSME sector has been identified as one of the growth engines

for increasing credit portfolio of the Bank. The rate of Interest under MSME sector ranges from MCLR+0.25% to MCLR+ 4.75% as per the Internal Credit Rating of borrowers and accordingly the present rate of interest for MSME ranges from 8.60 % to 13.10 %.

Training programmes on regular intervals were conducted for officers for improving skills for processing of loan proposals.



Bank has entered into Tie up with CRISIL, Dun & Bradstreet, Mira Inform Pvt Ltd, Co-Face Credit Management Pvt. Ltd and Experian Services India Pvt Ltd for doing due diligence of MSME borrowers with credit limits of Rs.5.00 cr and above.

Bank has entered into tie-up arrangement with SMERA Ratings Limited (SMERA) for sourcing of MSME leads.

Bank has registered with the Receivables Exchange of India Limited (RXIL) on their online platform for Trade Receivables Discounting System (TReDS) business.

11. Retail Credit:11.1 Retail Credit has been identified as one of the growth engines for

increasing credit portfolio of the Bank. The Bank has 12 Retail Banking Schemes catering to various needs of a customer. The schemes are modified from time to time keeping in view the market scenario, customer requirements and feed-back received from field functionaries. Concerted efforts were made to popularize the retail banking schemes through wide publicity.

As of 31 March 2018, the Direct Retail credit stood at Rs.10,748 crore thus registered a de growth of Rs.712 crore i.e. by 6.22%, over 31.03.2017. Total retail credit has reduced by Rs.60.97 crore there by registered YoY growth of -0.46%. However the Indirect Housing Loan increased by Rs.651 crores registering growth of 35.39% YOY.

(Rs.in cr)

Particulars31st

March, 2017

31st March,

2018

Growth Amt. % growth

Direct Retail 114,60 107,48 (712) (6.22%)Indirect Housing 1,841 2,492 651 35.39%Total Retail 13,301 13,240 (61) (0.46%)

11.2 Retail Asset Processing Centers: In order to take advantage of the potential available for enlarging

Bank’s Retail lending portfolio and also to ensure better quality, uniformity and speed in appraisal and sanctions, Bank has operationalized 14 Retail Asset Processing Centers at Ahmedabad, Hyderabad, Bangalore, Chennai, Lucknow, Pune, Surat, Rajkot, Bhopal, Bhandup (Mumbai), Juhu Vile Parle (Mumbai), Kolkata, New Delhi and Durg.

Since 1st September 2017, Bank has revamped the existing structure of the RAPCs and put in place the new RAPC model wherein the scope of the new RAPC was limited to only four Retail schemes in order to have a focused approach. In the new RAPC structure, specific and distinct KRA’s were assigned to all RAPC Staff (Sales, Credit, and Operations) and LMS – a new Lead Management System was introduced for sourcing of applications.

11.3 Housing Finance: The outstanding under Direct Housing Finance Scheme has

increased from Rs.6,280 crore as of 31.03.2017 to Rs.6,849 as of 31.03.2018 i.e. an increase of Rs.569 crore (9.06%).

11.4 Education loan: The outstanding under Dena Vidya Lakshmi Education Loan

Scheme has increased from Rs.510 crore as of 31.03.2017 to Rs.524 crore as of 31.03.2018 i.e. an increase of Rs.14 crore (2.74%). On 30.03.2017, IBPC of Rs.1000.00 crores, representing Education Loans was procured and was repaid in September 2017.

11.5 Vehicle loan Scheme: Outstanding under the Dena Vehicle Loan Scheme has increased

from Rs.896 crore to Rs.976 crore as at the end of the year i.e. increase of Rs.80 crore (8.97%).

12. Investment: The Bank’s Treasury handles operations covering activities in

various markets i.e. Foreign Exchange, Fixed Income, Equity and Money Market. The Dealing room is equipped with one of the best IT infrastructure having Dealing platforms supported by Market Information Terminals.

The investments have been maintained in various maturity mixes consistent with risk perceptions. Gross domestic investments of the Bank were Rs.38039.56 crore (exclusive of deposits to SIDBI, NABARD, NHB) as on 31.03.2018 as compared to Rs.40,189.77 crore (exclusive of deposits to SIDBI, NABARD, NHB) as on 31.03.2017. The total Profit of Treasury from Forex transactions and sale of investments was Rs.471.63 crore during the year 2017-18 out of that, Profit from Sale of Investments was Rs.422.36 crore during the year 2017-18. In addition to that, dividend income earned by treasury was Rs.1.92 crore and other miscellaneous income was Rs.0.24 crore. Bank’s investment decisions are based on risk-return-trade off and Bank is scrupulously following all mandatory regulatory and internal guidelines. All new investments made by the Treasury were strictly in accordance with the Treasury Policy of the Bank.

The SLR securities as on 31.03.2018 were Rs.29717.82 crore (Rs.34,753.46 crore as on 31.03.2017). Non SLR Securities as on 31.03.2018 were Rs.8321.74 crore ( Rs.5,436.30 crore as on 31.03.2017).

The interest income from investment has gone down from Rs.2,906.09 crore during the year ended 31st March 2017 to Rs.2680.35 crore during the year ended 31st March 2018 i.e. decrease of 7.78% on YOY basis. The average yield on investments has moved down from 7.57% for year ended 31.03.2017 to 7.26% for the year ended 31.03.2018. The Modified duration of the portfolio was kept at 4.98.

13. International Banking Business: The Bank continues to offer a variety of services to meet the

customer’s requirements involving foreign Exchange. Bank has full-fledged dealing room in Mumbai to Quote very competitive exchange rates to the customers. Exporters are financed In Indian Rupee as well as in Foreign Currency.

Bank has pan India presence to deal with Forex Business. All the Branches are authorized to deal with NRI accounts as “C” category Branch. Besides there are 44 Branches categorized as “B” and authorized to conduct all Forex related Business.

Bank also maintains correspondent Bank relations across the world to meet the overseas requirement of customers related Export, Import , remittances etc.

14. Asset Quality & Recovery Management: Bank made concerted efforts to maintain asset quality and

effective NPA management during the year 2017-18 despite large slippages experienced by the banking industry in general. The Bank’s performance in NPA management is directly attributed to the concerted efforts made for upgradation of recently slipped NPAs and cash recovery. Action under SARFAESI Act, recovery through compromise settlements and sale of assets resulted in cash recovery and Upgradations to a considerable extent. The Gross NPA stood at 22.04% as of March 2018 as compared to 16.27% as of March 2017.

The Gross NPA in absolute terms stood at Rs.16361.44 crore as of March 2018 as against Rs.12618.73 crore as of March 2017.

The Net NPA ratio of the Bank stood at 11.95% as of March 2018 as against 10.66% as of March 2017. Net NPAs in absolute terms stood at Rs.7,838.78 crore as of March 2018 compared to Rs.7735.12 crore as of March 2017.



(Rs. in cr)

31st March 2017

31st March 2018

Gross Advances 77,537.84 74,238.58Gross NPA 12,618.73 16,361.44Gross NPA to Gross Advances 16.27% 22.04%Net Advances 72,574.61 65,581.51Net NPA 7,735.12 7,838.78Net NPA to Net Advances 10.66% 11.95%Provision Coverage Ratio (including prudential write off )

50.56% 60.20%

Special attention was given to recovery in NPAs through multiple actions including negotiated settlements and sale of NPAs to SCs/RCs. Monthly Recovery camps were conducted and Lok Adalats organized at major centers on regular intervals. New OTS scheme, DRMY introduced for settlement of NPAs upto Rs.5 crore. Nodal Officers were appointed for each DRT for follow up of the pending cases and to co-ordinate with the Advocates for speedy recovery.

The Bank recorded cash recovery of Rs. 931.24 crore (Rs.1,119.87 crore 2016-17), upgradations of Rs. 673.40 Crore (Rs.755.87 crore 2016-17). Recovery in Written Off accounts increased to Rs. 146.60 crore (Rs.114.70 crore 2016-17).

Bank conducted 5 Lok Adalats in 1766 centres where in wherein 21803 accounts were considered and 3012 accounts were settled for Rs.30.54 crores.

Recovery Camps are organized on monthly basis. Ten Mega Recovery Camps were organized on various dates from the month of June 2017 and the last Recovery Camp (for the financial year 2017-18) being on 20.03.2018 in all the branches of Zones during the current year wherein recovery & Upgradations was Rs.607.93 crores for Bank as a whole. 64873 borrowers attended the recovery camps wherein 4741 accounts were settled for Rs.197.26 crores and 8343 accounts involving Rs.324.15 crores were upgraded. Spot recovery of Rs.278.53 crores (including recovery in written off accounts) was effected through such recovery camps.

A total of 7100 accounts with compromise amount of Rs.263.54 crores ( inclusive of SOTS and DRMY) were considered for settlement against which a cash recovery of Rs.143.47 crores was effected.

Under DRMY scheme which was effective from 15.02.2018, 4249 accounts with compromise amount of Rs.44.33 crores were approved up to 31st March, 2018 and total cash recovery of Rs.32.51 crores was effected .

15. legal Services / RTI Act:15.1 Recovery under SARFAESI Act, 2002: During the year 2017-18 Bank issued 1591 Notices in eligible

accounts under SARFAESI Act involving an amount of Rs. 1625.86 crore . A total sum of Rs.394.52 crores has been recovered under SARFAESI Act during the year .

15.2 Recovery through lok Adalats: For an early resolution of disputes and recoveries from its

defaulters the medium of Lok Adalats constituted under Legal Services Authorities Act is utilised. Bank endeavoured to arrange/ participate in maximum Lok Adalats during the year. 21803 accounts were considered and 3012 accounts were settled for Rs. 30.54 crores.

15.3 Recovery through Suits in Debt Recovery Tribunal/ Civil Court:

As on 31-03-2018, there are 2520 suit filed accounts various DRTs/Civil Courts involving an amount of Rs.7753.62 crores and 1166 decreed accounts involving an amount of Rs.1548.58 crores in various DRTs . Bank has recovered Rs.63.15 crores through DRT in OA/RC for the year ended 31st March, 2018.

15.4 NClT Cases: As per directives of RBI for taking action under IBC 2016 in 12 accounts,

Bank is having exposure in 9 accounts involving Rs.2740.89 crores Alok Industries (Rs.615.26 cr), Bhushan Steel Ltd (Rs.486.50 cr), Bhushan Power & Steel Ltd (Rs. 402.56 cr) , Lanco Infratech Ltd (Rs.282.84 cr), Monnet Ispat & Energy Ltd (Rs.310.87 cr), ABG Shipyard Ltd (Rs.261.11 cr), Jyoti Structures Ltd (Rs.200.00 cr), Electrosteel Integrated Ltd (Rs.116.45 cr ) & Amtek Auto Ltd (Rs.65.30 cr). Bank has filed claim and resolution process has been initiated in all the accounts. Out of the 9 accounts, in 6 accounts final Resolution Plan (consent/dissent) was approved by our Bank.

As per directives of RBI for taking action under IBC 2016 in 2nd lot, Bank is having exposure in 12 accounts involving Rs.1895.45 crores. Asian Colour Coated Ispat Ltd, (Rs.190.51 cr),Essar Projects (India) Ltd. (Rs.230.59 cr), Monnet Power Company Limited (Rs.8.67 cr), Ruchi Soya Industries Ltd. (Rs.188.91 cr), SEL Manufacturing Company Ltd. (Rs.113.37 cr), Transstroy (India) Ltd. (Rs.199.30 cr), Unity Infra projects Ltd. (Rs.55.53 cr), Ushdev International Ltd. (Rs.181.23 cr), Uttam Galva Metallics Ltd. (Rs. 92.06 cr), Videocon Industries Ltd. (Rs.514.40 cr), Videocon Telecommunications Ltd. (Rs.37.98 cr), Visa Steel Ltd. (Rs.82.90 cr). Lead Bank has filed application in all the accounts with NCLT.

Out of above 12 cases, two cases i.e. Ruchi Soya Industries Limited and Monnet Power Company Ltd were admitted by NCLT. In the account of Unity Infra projects Ltd, Insolvency process has already been initiated and CoC decided to file liquidation application and the same was filed on 20.03.2018.

Apart from the 1st & 2nd Lot of accounts identified by RBI for action under IBC, Operational creditors / Financial creditors & Corporate debtors/ Lead Bank have filed application before NCLT in 24 cases where our Bank dues are Rs.1524.10 crores and Bank has filed its claim before IRP.

15.5 Right to Information Act: In Zones headed by Dy. General Manager, the Dy. Zonal Manager

is the Central Public Information Officer [CPIO] & the Zonal Manager is the First Appellate Authority.

In Zones headed by Asst General Manager, the Zonal Manager is the CPIO and the Field General Manager is the First Appellate Authority.

Dy. General Manager (RML) at Head Office is the CPIO for Head Office Departments and Branches / Offices reporting directly to the Head Office. General Manager (RML) is the First Appellate Authority in such cases.

Information regarding the CPIOs and First Appellate Authorities of the Zonal Offices and Head Office of the Bank have been duly uploaded in the Bank’s website.

In the year 2017-18, the Bank disposed off 1356 Applications out of a total of 1378 Applications received (including Applications brought forward from previous year) under the RTI Act. The First Appellate Authority disposed off 233 Appeals out of a total of 234 Appeals (including Appeals brought forward from previous year) under the RTI Act.

16. Government Business:16.1 Direct Tax collection: The Bank is authorized to collect all Direct Taxes including Income

Tax, Corporation Tax, Wealth Tax, Gift Tax, Hotel Receipts Tax, Estate Duty, etc in physical mode at 219 branches all over India.

The Bank is also authorized for collection of Direct Taxes through E-Payment for which Mumbai Main Office branch, Mumbai is the E-Focal Point Branch. All branches are authorized for collection of Direct Taxes through online e-payment mode.



16.2 Indirect Tax collection: The Government of India implemented GST from 01.07.2017

replacing Excise and Service Taxes. Our Bank is authorized for collection of GST. All branches are authorized for collection of GST over the counter and through online e-payment mode. Share Bazar Branch, Mumbai is the Focal Point Branch for GST.

The Bank is also authorized for collection of Customs Duty both through physical as well as e-mode. Rajendra Place, New Delhi is the Focal Point Branch for Customs Duty collection.

16.3 Collection of State Government revenues:1. The Bank provides facility of E-Payment of various State

Government taxes in 10 States and 2 Union territories.

2. The Bank is a member of Virtual Treasury Project (Government Receipts and Accounting System – GRAS) in State of Maharashtra. The Bank is authorized to collect all types of State Government revenues such as Motor Vehicle tax, Road Tax, Stamp Duty, Registration Fees etc.

3. The Bank is also a member of Cyber Treasury Project in State of Gujarat for collection of 26 types of State Government revenues. Dena Bank is the first Bank to provide the facility of E-Payment of Geological and Mines Tax (GMT) in the State of Gujarat.

16.4 Payment of Pension: The Bank has established its Central Pension Processing Center

(CPPC) at Mumbai through which the pension for all Central Government and State Government retirees is being credited directly. Such facility has not only provided efficient seamless services to the pension beneficiaries but also has reduced Branch workload considerably. Uploading of E-PPOs for Central government pensioners (CPAO, Railway &Defense Pensioners) is under implementation.

16.5 National Pension System (NPS): The Bank is registered as a Point of Presence (POP) with the

Pension Fund Regulatory and Development Authority (PFRDA) for implementing National Pension Scheme (NPS).

16.6 Atal Pension Yojana: The Bank is also registered as a Point of Presence (POP) with the

Pension Fund Regulatory and Development Authority (PFRDA) for implementing Atal Pension Yojana (APY). Bank has subscribed more than 117,000 APY subscribers till 31.03.2018.

16.7 Sovereign Gold Bond: The Reserve Bank of India in accordance with Government of India

guidelines,floats various tranches for purchasing Sovereign Gold Bonds (SGB). For the convenience of the customer the Bank has implemented Online Investment Facility for SGB through Internet Banking.

16.8 Government Deposit Schemes All branches of our Bank are now authorized for accepting deposits

under the Bond, PPF, SCSS and SSA schemes Bond Schemes of the Government of India. Customers can open accounts and make deposits at all branches of the Bank. Online deposit facility is also under development.

16.9 Software for Government Business (Government Business Module- GBM):

The Bank is having an application software for all Government Business activities like Collection of Direct Tax and Indirect taxes, PPF, SCSS, SSA account maintenance, maintenance of Ministry and State Treasury accounts, pension payment, etc. This application software has been interfaced with Core Banking Solution (CBS) and is implemented across all branches.

16.10 New Initiatives: The Bank is developing the following facilities for the customers /

clients of the Bank which are under process.

1. Online opening and maintenance of PPF, SCSS and SSA Accounts

2. Payment of State Government taxes in all major States.

3. Provision of facility of e-SBTR.

4. Implementation of Kisan Vikas Patra (KVP)

The Implementation of GBM and other new initiatives not only gives our customers a better banking experience, but also Increases the productivity of branches by considerably reducing their workload. It also helps in increasing the non-interest income of the Bank.

Various training programs and workshops are being organized by the Bank for Government Business, NPS and APY and other schemes to create awareness among the staff and motivate them to give proper service and guidance to customers.

17. Bancassurance Department: In order to provide a wide range of Insurance and Investment

products to customers as value addition and to augment non-interest income, Bank has entered in the business of distribution of insurance products.

Bank has entered into Corporate Agency Arrangement with LIC of India (LIC) for Life Insurance business, with United India Insurance Co. Ltd (UIIC) & Chola MS General insurance company (Chola MS) for General Insurance products and with Apollo Munich Health Insurance Co .Ltd for Health Insurance business.

Bank has earned total income of Rs.11.09 Crores (including reimbursement of administrative expenses for PMJJBY & PMSBY) from Bancassurance Business. during F.Y.2017-18

17.1 life Insurance Business: The Bank has corporate tie-up arrangement with LIC of India to

cater to the life insurance requirements of its customers.

During the F.Y 2017-18, Bank has collected total premium of Rs.51.42 crores. LIC of India declared 6 Zones of Dena Bank as Bima Zones & 100 Branches as Bima Bank Branches during the year. The Bank has earned commission of Rs.2.33 crore from Life Insurance business during the Financial Year 2017-18.

17.2 General Insurance Business: Bank has Corporate Agency arrangement with United India

Insurance Co. Ltd (UIIC)&Chola MS General insurance company Ltd (Chola MS)

United India Insurance Co. ltd (UIIC): Under tie-up arrangement with UIIC, a total premium of

Rs.19.22 crores were procured with commission income of Rs.2.50 crores during FY 2017-18.

Chola MS General insurance company (Chola MS): Under tie-up with Chola MS, a total premium amount of Rs

16.89 crores were procured with commission income of Rs 2.25 crores during the F.Y 2017-18.

17.3 Health Insurance Business: Bank has Corporate Agency arrangement with Apollo Munich

Health Insurance Co .Ltd for Health Insurance business

Apollo Munich Health Insurance Co .ltd Under tie-up arrangement with Apollo Munich Health

Insurance Co .Ltd a total premium of Rs.10.68 crores were procured with commission income of Rs. 1.61crores during FY 2017-18.



17.4 Mutual Fund Business: Bank has tie-up arrangement with all leading AMCs for distribution

of Mutual Fund Business and received commissions income Rs.0.26 crores during F.Y 2017-18.

18. Capital Market Services: Bank is a Depository Participant of NSDL and has been extending

Depository Services to its customers since 1998 from capital Market Branch and 91 other branches of the Bank spread over various centres.

Bank provides ASBA facilities through all its branches. 14 branches are authorised to modify and verify syndicate ASBA application in Finacle system. List of branches providing Syndicate ASBA facility is available at the website of the Bank.

19. Income and Expenses:19.1 Income: Total Income of the Bank has decreased from Rs. 11,433.06 crore

for the year-ended 31st March 2017 to Rs. 10,095.75 crore for the year ended 31st March 2018, resulting in net decrease of Rs. 1337.31 crore, which represents a reduction of 11.70%.

19.2 Expenses: Total expenses have registered a decrease of 11.13 % over the

previous year.

19.3ProfitabilityAnalysis: Bank’s net interest income (NII) stood at Rs. 2,475.82 crore as

compared to Rs.2,408.36 crore posted during the previous year.

19.4OperatingProfit: Operating profit of the Bank has registered a reduction of 15.76%

and stood at Rs.1171.16 crore as compared to Rs. 1390.21 crore posted during the previous year.

19.5NetProfit: Bank has incurred a net loss of Rs. 1923.15 crore during FY 2017-

18 as compared to Net Loss of Rs.863.63 crore for FY 2016-17.

A comparison of income, expenses and provisions & contingencies with the previous year is given hereunder:

(Rs. in cr)

Particulars 2017-18 2016-17Interest Income 8,932.23 10,181.67Non Interest Income 1,163.52 1,251.39Total Income 10,095.75 11,433.06Interest Expenses 6,456.41 7,773.31Operating Expenses 2,468.18 2,269.54Total Expenses 8,924.59 10,042.85Operating Profit 1,171.16 1,390.21Provisions & Contingencies 3,094.31 2,253.84Net Profit [1,923.15] [863.63]

20. Marketing & Publicity Initiatives: During the year 2017-18, an emphasis was given to aggressively

publicize and promote our Bank’s Digital Banking solutions along with other products and schemes with special focus on Housing Loan and Car Loan through Press, Electronic and Outdoor media.

Pan India advertisements were released in leading newspapers during the year to build the brand image of the Bank and also to promote various Retail Banking Products, especially during campaign period, with an emphasize on Housing Loan and Car Loan.

As per the guidelines received from IBA, Publicity Department has released Aadhar Seeding and authentication advertisement on Pan India Basis in the leading newspapers informing customers to link Aadhar Card and Pan Card to the Bank accounts as per PMLA notifications.

Bank had made its brand presence felt at grand events like Hercules Awards Function at Ahmedabad, Smart City Summit at Raipur and NSG Commando Challenge Marathon at Manesar, Haryana.

TV Commercials were released on Pan India basis in leading TV Channels on the occasion of Independence Day, Navratri and Diwali festivals etc. In addition to that TVC on Digital Pathshala, Home and Vehicle loan campaigns, were released to substantiate our brand positioning. Bank had efficiently used TVC advertisements to spread awareness and educate customers about How to Use Digital Products of the Bank through Digital Pathshala TVC. Bank has also used Radio channels to promote and educate customers on Digital Products.

Bank’s visibility increased in Tier II & Tier III cities through advertising on Hoardings and Glow signs Boards by our zonal offices at pan India level. This year Bank has also displayed its various advertisements on Display Panels inside suburban Trains. Hoardings were also hired at Railway station at CSMT, on various Bus Shelters in Mumbai and Mumbai Suburbs. Advertisements were also displayed on Private contract Buses which plough between Mumbai and it suburban areas which helped in giving vide publicity to our Bank’s products and improving Brand visibility.

During the year, Bank also participated in various Social / Cultural events and gained good publicity and mileage. Bank also gained Good Publicity by sponsoring various events like Kolkata Knight Polo Championship, Bappi Lahari Night, Shreya Ghosal Concert, Various Kabaddi and Table Tennis Tournaments, displaying banners at pandals during Ganpati and Durga Puja Festival, Sponsorship of Mirchi Rock and Dhol Event at Ahmedabad during Navratri Festival.

Bank has also participated in Marathon organized by TATA and Customs Department at Mumbai which helped in improving Brand image of the Bank.

21. Risk Management:21.1 The Bank has put in place structured risk management systems

& architecture that is overseen by Integrated Risk Management Committee of the Board. Management Level Committees viz Asset Liability Committee (ALCO), Credit Risk Management Committee (CRMC), Operational Risk management Committee (ORMC) and Market Risk Management Committee (MRMC) constitute the crore level of focused risk management architecture. The Risk Management Department looks after various aspects of Risk management and reports to Management. Risk Managers are posted at Zonal offices to focus on risk areas and risk management functions. The Risk Managers are being regularly updated and trained on various Risk Management functions.

21.2 The Bank reviews and updates its risk related Policies on Annual basis or as and when need arises in line with the RBI guidelines, changes in operating environment and with a view to manage credit and market risks in an effective manner.

21.3 The functions of Mid-Office are broad based for an effective monitoring of market risk by way of VaR, Stress Testing etc.

21.4 Bank is having Credit Rating Policy duly approved by the Board. Bank has implemented the new Rating model viz. ‘RAM’ (Rating Assessment Model) for more scientific risk rating and to facilitate migration to advanced approaches of credit risk. The software has the capability to calculate Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD). Bank has also implemented CRESS (Credit Retail Scoring System) for four retail products viz. Housing, Vehicle, Education and Personal.

22. Human Resources Management:22.1Recruitment: During the year 2017-18, the Bank has recruited 21 Probationary

Officers, 13 Specialist Officer, 128Clerks and 148Subordinate Staff.



22.2 Grievances Redressal Mechanism for SC/ST/OBC /PH/EXSM Employees:

The Bank has nominated Officers of the rank of General Manager to function as Chief Liaison Officers to oversee implementation of Reservation Policy for Scheduled Castes, Scheduled Tribes, Other Backward Classes, Physically Handicapped and Ex-Servicemen Employees. Quarterly Meetings with All India Dena Bank SC/ST/OBC Employees’ Federation are held at periodic intervals at Head Office and Zonal Office levels to redress grievances.

22.3 Training: During the current year, the Bank has imparted training to 7,224

employees (4,607 officers, 2205 Clerks, 412 Subordinate Staff) as an on-going process for development / improvement of their knowledge, skill and business confidence. Such training programs are conducted in-house through various training centres and also through reputed institutes like NIBM, CAB, BIRD, IIBF and RBI etc.

a. One executive was nominated for foreign training.

b. 1246 Officers attended the Capsule Credit Program on Dena Niwas Housing Loan scheme including Dena Top-up scheme, Dena Step-up Housing scheme, Furniture & Fixture scheme, Dena Education Loan Scheme including Kaushal Rin Yojana and Mudra Loan.

c. Business Development Program for Scale IV and V executives was conducted at SPBT College, Mumbai, 27 participants attended the program conducted from 22.01.2018 to 24.01.2018.

d. A specialized training on Lend Perfect software module was conducted at SPBT College, Mumbai. The heads of all RAPCs, One officer dealing the retail portfolio from each zone and officers of RBD Department, HO attended the program.

e. As per the advice of RBI, Bank has begun Capacity Building Certification program in the areas viz. a) Treasury Management b) Risk Management c) Accounts & Audit & d) Credit Management, for improving the skill and competency of the officers working in these areas. 125 officers have enrolled for the certification programs as on 31st March 2018.

22.4 Promotion: In Bank’s pursuit for growth and career progression of its

employees, Bank had initiated process for promotion in Officer’s cadre inter scale for filling up identified vacancies up to March, 2018. Accordingly, 815 officers have been promoted to higher scale during the year ended March, 2018.

22.5 Manpower: The staff strength of the Bank is 13,613 as of 31.03.2018. The

total strength comprises of 6033Officers, 5325Clerks and 2,255 Subordinate Staff, including 3,705 women employees. The representation of Scheduled Caste, Scheduled Tribe, Other Backward Classe, Physically Handicapped & Ex-Servicemen employees in the Bank is in conformity with the prescribed level.

22.6 Industrial Relations: Bank maintains a harmonious and cordial industrial relations

atmosphere. Periodical structured meetings with Employees’ Union and Officers’ Association are conducted at Head Office and Zonal Office levels.

23. IT Initiatives:23.1 Core Banking Solution (CBS)- ‘DENA GARIMA’:23.1.1The Bank had embarked upon a process of transformation through

technology with a view to enhance customer satisfaction and to leverage business growth. The Bank has engaged the services of M/s Wipro, a leading service provider in IT enabled services,

for providing an end-to-end solution for Core Banking Operations of the Bank. It is backed by ‘Finacle’ software support from M/s Infosys Technologies Ltd. The Core Banking system bundles a host of customer friendly services like Internet Banking, Phone Banking, Mobile Banking, Cash Management Services etc. besides software system for Integrated Treasury operations. A number of third party software solutions are also integrated mainly with a view to address Regulatory concerns and to leverage business growth.

23.1.2 The Project was kicked off with migration of existing operations at Bank’s Mahim Branch in Mumbai on 12th March 2007.

23.1.3As of March 2018, all the 1872 branches (including 72 satellite branches) of the bank and the entire business have been brought under CBS. This covers 1153 centers and 31 States / union territories. All administrative units such as Zonal Offices, Zonal Staff Training Centers and HO department too have been covered in CBS.

23.2 Automated Teller Machine (ATMs): All the ATMs of the Bank are connected to ATM switch, which in

turn is connected to CBS servers. This architecture enables Bank’s cardholders to carry out specified types of transactions like cash withdrawal, balance enquiry, Mobile top up etc. from any of the Bank’s ATMs irrespective of the location of their base branches. Additionally, Bank’s ATM switch is connected to the central switch of other ATM network groups viz. National Financial Switch- NFS which is promoted by NPCI and Visa, which further empowers our card holders to carry out certain basic transactions from the ATMs of these network groups and vice versa.

In keeping with the universal trend of introducing ATMs as the most popular & convenient mode of delivery channels, a total of 1685 ATMs have been installed as on March, 2018 in all over the country. Out of these ATMs, 1334 are Onsite and 351 are Offsite. One Mobile ATM has been introduced during last year.

The present card base of Bank stands at 87.63 lakhs as on 31st March 2018. The Bank has ATM sharing arrangement through VISA &NFS tie-ups, enabling more than 207036 ATM access points & more than 30.27 lacs Merchant Establishments (MEs) in India and more than 1.50 million ATMs & 30 Million MEs abroad, to Bank’s customers. The Bank also provides Dena International Gold Debit Card to HNI customers with Visa affiliation and Rupay Platinum card.

The Bank has number of value added services through the ATMs viz. Mobile Pre-paid Top-ups and Post Paid Bill Payment etc. Debit Card customers can also make online payment for purchases of goods and services using Debit cards on Internet. Bank has implemented OTP in place of static verified by visa password for better security of the customers.

23.3 Internet Banking: Financial transactions under internet banking facility are available

to customers of all branches. The Internet banking application server is located at the Data Centre (DC) and DR Sites. This server, in turn, is connected to CBS application and database servers over LAN in Data Centre with the required Firewall based security control to ensure the safety of our customer’s data.

New Facilities through Internet Bankinga) New FEBAversion have been launched during December

2017.

b) Corporate Salary / Bulk Fund transfer to Multiple Beneficiaries can be used by the corporate customers for crediting salary of their employees who are maintaining accounts with us.

The corporates can also effect multiple vendor payments.

c) E-Payment of Customs Duty, Chhattisgarh State tax, Tamil Nadu State tax is introduced during the year.



d) Introduction of Dena InstaPay: Bank has tied up with Bill Desk, SBI e pay, PayTm and PayU leading Bill Payment facilitators to provide payment of utility bills and purchases through Internet Banking which was one of the common requirements of customers. We are also in process to have tie up with more bill aggregators. Currently customers can effect online payments for the following broad categories:

1. Telephone (Landline / Mobile) bills

2. Electricity bills

3. Credit Card bills

4. Insurance premium

5. Booking of travel tickets

6. Gas refill charges etc.

7. On line shopping.

8. DTH recharge

9. On line School Fee payment

e) Monthly E mail statements of accounts are sent to customers who have registered E-mail ids with the bank.

f) E-Payment of GST tax.

g) Blocking of Debit card through Internet banking.

23.4 DenaNet: Recognizing the significance of communication infrastructures

in the Bank’s drive towards transformation through technology, the bank has connected all its branches and administrative offices through DENANET – its Wide Area Network using various connectivity media. “DENANET” is continuously being monitored on 24X7 basis by a Network Monitoring team for ensuring more than 99.5% up time.

The backbone of all our current technology initiatives is DenaNet which connects various entities within & outside the Bank, using below listed networks.

Connectivity Type Number of links as on 31/03/2018Point to point / MPLS 2501Sify-3G 91ISDN PRI / BRI lines 21VSATs (HCL and HCIL) 830

DenaNet connects 1872 branches (including 72 Satellite Branches), 35 administrative offices, 6 Staff Training Centres, 143 offsite ATMs and 12 outside banks / offices (IDRBT, RBI, Euronet, NPCI, RCAP, CtrlS, Karvy, backhaul link for ATM under MOF tender.)

23.5 UPI Mobile Banking Application: Bank has also launched BHIM Dena UPI which is an app that lets

you make simple, easy and quick payment transactions using Unified Payments Interface (UPI). Customers can easily make direct bank to bank payments instantly and collect money using different modes like Account+ IFSC / Mobile Number +MMID / Virtual Payment Address (VPA) / Aadhaar+ Bank Name. Services available are as follows:

I. Manage Accounts: User can add his/her accounts linked with registered mobile number.

II. Manage Beneficiary: User can add beneficiary through available four options i.e. Account + IFSC / Mobile + MMID / Virtual Payment Address- VPA / Aadhaar + Bank Name

Pay: Using this option, you can send money to anyone using Account + IFSC / Mobile + MMID / Virtual Payment Address- VPA / Aadhaar + Bank Name.

III. Collect: Using this option, you can collect money by entering Virtual Payment Address (VPA).

IV. Balance Inquiry: After adding the accounts, user can view the account balances through this option.

V. Manage MPIN: UPI pin can be reset / change through this option.

VI. Transaction History: Using this option, User can check transaction history for pay/collect type of transactions. You can raise dispute for the declined transaction.

VII. Block/Unblock VPA: User can block/ unblock any virtual Payment address(VPA)

VIII. De-Register: User can de-register himself/herself from Dena e-UPI application.

IX. Bank is popularizing Dena E-UPI through various advertisements. Bank has sent SMS to customers’ registered mobile number for using UPI platform.

BenefitsofUPI:1. Cheapest mode of Money Transfer.

2. Dena UPI facility is a step forward to Government’s less cash economy initiative.

3. No Need to give details such as card no., validity, CVV for online transactions.

4. 24 X 7 x 365 availability.

5. Single app for accessing different Bank accounts (One Dena E-UPI App Many Accounts).

6. Single click authentication. No timeout scenario.

7. Secure Virtual ID (VPA).

8. Instant Fund Transfer. No restriction of holiday or non-working banking hours.

9. Immediate Registration of Payee.

10. Bank account number and IFSC code of the recipient is not required for initiating the transaction. Knowing beneficiary VPA is enough for transfer of funds.

The various facilities available are given here under :

Type of facility Facility Name Transaction limitFinancial Funds Transfer Rs.1 lac per day

for all transactions through Dena UPI app whereas in BHIM app the transaction limit is Rs.20,000/- per day with a limit of Rs.10,000/- per transaction.

Non Financial 1.Balance Enquiry2. Change of passwords

(MPIN / Login)

--

23.6 Other IT Initiatives:23.6.1 USSD Supplementary Service Data - USSD channel: We have launched a new mobile banking channel known as

the Unstructured Supplementary Service Data - USSD channel promoted by National Payments Corporation of India (NPCI) under flagship product National Unified USSD Platform (NUUP) which is operational on major telecom networks.

Dena Bank customers can use this simple and convenient service by dialing *99*65# from their registered mobile phone (irrespective of make or design) and transact through an interactive menu displayed on the mobile screen.

Facility is available for financial and non-financial transactions. Bank is putting efforts to popularize the application among customers.



23.6.2 Mobile Banking & USSD: Our Bank has implemented Dena MConnect services - the

convenient and secure way to conduct banking transactions using mobile handset. The solution is compatible with RBI guidelines on Mobile Banking.

23.6.3 Missed Call Facility Bank has introduced the Missed Call facility, for the benefit of

customers whose mobile numbers are registered. With this facility, the customer has to call 09289356677 for Balance for operative accounts (up to a maximum of 5 accounts) and 09278656677 for Mini statement of operative accounts for last 4 transactions (up to maximum of 5 accounts). On dialing the number, the call will get automatically disconnected after 2 rings. The customer will receive SMS messages for the 5 operative accounts as mentioned above.

The advantage with the facility is that there is no charge for the calls and the customer will receive the information for up to 5 operative accounts with a single call. The customer need not visit the branch just to know the balance / transaction details.

23.6.4 Online registration facility for Internet and Mobile Banking Facility

Customers can register themselves online for Internet Banking and Mobile Banking facility. The customer need not visit the branches for registration for this facility. It will help the Bank to increase Internet and Mobile Banking customers.

23.6.5 Document Management System (DMS) Implementation: Bank has initiated implementation of DMS solution for digitization

of documents and to bring some of the processes such as account opening / documents movement across branches / zonal offices / head office through DMS system.

DMS facilitates storage of important documents in electronic mode with maker/checker concept to comply with GhoshJilani committee recommendations regarding micro filming of voucher and books.

23.6.6 eSmart Centres: Bank has initiated process for setting-up of E-Smart centers to

provide 24*7 convenience of banking at identified centers. The E-Smart setup have following kiosks based on the business potential and requirement.

a) Automated Teller Machines (ATMs)

b) Cash Deposit Machines

c) Passbook Printers

d) Cheque Deposit Machines

e) Internet Banking Kiosks

As of March 2018, we had operationalized 98 e-smart centers.

23.6.7 HRM System Implementation Bank is implementing HRM system of PeopleSoft. Module-wise

implementation status is given under:

S No

Module Name End User

1 Payroll Management All Employees.2 Employee Information

SystemAll Employees.

3 Employee Self Service All Employees.4 Manpower Training SPBT & Personnel Officer5 Leave & Attendance

AdministrationAll Employees

6 Canteen Subsidy All Employees7 Allotment of Car

and other vehicle to executives

FGMO& OAD

S No

Module Name End User

8 Statutory Compliances (Grievance)

All Employee

9 Misc. / Perks HO Level Employee10 Staff Welfare Scheme HO Level Employee11 Increment Process HO Level Personnel Officer12 Recruitment All Employee13 HRM Audit HRM Dept14 Workforce Scorecard HRM Dept15 Human Resource MIS HRM Dept

23.6.8 Aadhar updation through Branch, ATM, Internet Banking, SMS

Besides visiting branches, our Bank’s Account holder can update their Aadhar no. through ATM, Internet Banking Portal and SMS. Customer can send SMS on 9223175152 with keyword AADHAAR(space)<ACCOUNT NO>(space)<AADHAAR NO>. eg .AADHAAR 02091002285 216901540030.

23.6.9 Biometric Authentication in Finacle Bank has implemented biometric authentication of all its

employees. Employees need to authenticate themselves in Biometric Authentication System for accessing Finacle.

23.6.10 Email and SMS Alerts to the customer Bank sends email and SMS alert to the customer when his/her

mobile number has been changed. It has been started to prevent fraudulent change of Mobile number and misuse of the same.

SMS alerts are also sent for the financial transactions and some non-financial transactions (like issue of cheque book) done by the customer. On logging-in internet banking facility, customers are sent SMS alert for having logged-in in the system.

Monthly statement of account is sent to the customers having registered email id through e-mail.

23.6.11 eKYC Implementation In order to reduce the risk of Identity fraud, document forgery

and have paperless KYC verification Bank has launched eKYC service.

Through this facility customer desiring to open account can opt for KYC verification through the online facility if he/she is registered for Aadhaar.

23. 7 Network based Services & Applications:23.7.1 With a view to channelise this infrastructure for customer

satisfaction and maximize the ROI made in creation thereof, Bank has introduced the following network based products and services:

• CBS application,

• ATM / Debit Cards,

• Internet Banking,

• Mobile Banking,

• Tab Banking,

• Micro ATMs,

• Point of Sale Services,

• Ultra Small Branches through VPN,

• SWIFT,

• Cheque Truncation System(CTS),

• RBI Payment systems like RTGS & NEFT etc,

• Corporate E-MAIL,

• Intranet,

• IP Telephony,



• Video Conferencing,

• Data Transfer &Remote Support,

• Other applications viz. ALM / AML, Online Balance sheet etc.

• UPI

23.7.2 Bank’s Web site -Bank has its website with netizen friendly features like Branch, ATM Locators, Calculators, Two-click navigation system etc. The webmaster keeps the website updated and dynamic on an ongoing basis.

With robust IT infrastructure; the Bank is well poised to take the leap forward to drive technology towards affording greater customer convenience.

23.7.3 New implementations during the year 2017-18 are given hereunder :

• Procurement and Implementation of POS facility POS infrastructure operationalized after certification from the

card issuing agencies such as NPCI, VISA, and Master Card.

Bank has deployed 7565 POS Terminals during FY 2017-18 of which 302 POS Terminals are deployed in tier 5 & 6 centres.

23.7.4 Call Centre: Bank has implemented a full-fledged IVR based call center to provide better customer service. Customer through the call center can connect with Dena Bank from any location, at any time. Using this IVR based call centre, customers can do various transactions like, Balance Enquiry, Enquiry on last 5 transactions, New ATM Pin generation, Block Card, ATM Pin reset in case user has forgotten Pin, Stop Payment of Cheque, Receive Account Statement on E-mail.

23.7.5 BHIM Aadhaar: Bank has introduced BHIM Aadhaar DENA during FY 17-18, an Aadhaar based digital payment acceptance solution which enables DENA BANK merchants to accept payments using their android smartphone connected to a fingerprint scanner. Bank during FY 2017-18 has on-boarded over 13,029 Merchants under BHIM Aadhaar services.

With robust IT infrastructure; the Bank is well poised to take the leap forward to drive technology towards affording greater customer convenience.

24. Customer Service24.1 The Bank is continuously focusing on improving customer service

and striving to meet the customer expectations. The Bank has taken following initiatives during the year to improve the customer services, customer rights and dispose the complaints within turnaround time of complaint.

The details are as under:

1. The Bank has organized customer awareness week from 05.06.2017 to 12.06.2017 in its branches to create customer awareness about BCSBI Codes, customer rights etc.to improve customer service.

2. The Bank has organized Digital Patshala from 16.12.2017 to 20.12.2017 at all the branches to create customer awareness about Banks digital products to reduce customer complaints related to ATM ,Technology, and other digital products.

3. Bank has introduced IVR Solution for Blocking of Card, re-generation of ATM Pin which can be carried out by the customer through their Registered Mobile Number (RMN), which eliminate the visits to the Branch and turnaround time.

4. New version of Mobile banking app has been launched to improve mobile banking services.

5. New features has been added in Internet banking to make it user friendly to the customers

24.2Redressal of Customer Grievances Bank has set up the grievance redressal mechanism, in which the

customer of the Bank can lodge the complaint through the link available on the Banks website www.denabank.com. A complaint number is generated by the system and automatically conveyed to customer’s registered mobile number. The complainant can also view the status of their complaints on the same link available on the website. The complaints can also be registered through Toll Free Number 18002336427 of the Bank. Complaints received over e- mail / telephones /letters or through CPGRAMS / INGRAM portal are also entered in the Bank’s online portal. The complaints outstanding for more than prescribe period are reviewed at Corporate Office by General Manager, Corporate Planning, who is also the Principal Nodal Officer for grievances, his contact details are displayed in branches and on Bank’s Website.

24.3 Standing Committee on Procedures & Performance Audit of Customer Service

Standing Committee on Customer Service is headed by the MD and CEO / Executive Director(s), General Manager (Resource & Planning - Nodal Officer), General Manager (IT), General Manager (Credit) and three nominated customers are the permanent members of the Committee. Zonal Manager of outside Mumbai zones and customers of branches remain present on Video Conference. Moreover a few customers from different branches of Mumbai along with their Zonal Manager / Dy. Zonal Manager are also invited in the said meeting which is held every quarter. For the FY 2017-18 the last such meeting was held on 23.03.2018.

24.4 In addition to above, the Bank also has a Customer Service Committee of the Board at the apex level to advise measures for enhancing the quality of customer service and improving the level of customer satisfaction. Customer Service Committees are also formed at all Zonal Offices as well as branches which meet once every month. Besides suggesting ways and means of improving customer service, such meetings also encourage a formal channel of communication between the customers and the Bank and also study complaints/ suggestions, cases of delay, difficulties faced / reported by customers. The Customer Service Cell also carry out root-cause analysis of complaints and take remedial steps for continuous improvement.

24.5 Code of Bank’s Commitments to the Customers The Banking Codes and Standards Board of India (BCSBI)

in collaboration with the Reserve Bank of India, Indian bank Association and member banks evolved the Codes of Banks Commitment to customers. This is a Code of Customer Rights, which sets minimum standards of banking practices for banks to follow while they deal with individual customers. It provides protection to customer and explains how banks are expected to deal with customer for their day-to-day operations. The officials from Banking Codes and Standard Board of India visit Banks branches to verify and assess the level of adherence of the codes. Based on these visits a rating is given to the Banks.

RBI has constituted Banking Codes and Standards Board of India for measuring the performance of banks against a bench mark reflecting the Best Practices (Codes & Standards). The Bank has adopted “Code of Bank’s Commitments to the Customers” and is fully committed to its adherence.

The Bank is a member of BCSBI and a top executive in the rank of General Manager is appointed as the “Code Compliance Officer” on behalf of the Bank.

24.6 Internal Ombudsman In terms of Damodaran Committee recommendation, the Internal

Ombudsman (IO)/ Chief Customer Service Officer (CCSO) system is introduced with the objective of enabling resolutions of complaints relating to certain services rendered by the Bank



with intention to facilitate the satisfaction or settlement of such complaints.

All the Rejected / Partially rejected complaints at banks level are referred to Internal Ombudsman before the final decision is conveyed to the complainant.

25. Branch Network and Expansion25.1 Branch Network

During the year 2017-18, Bank has merged 2 metro Branches taking the tally to 1872 Branches spread across length and breadth of the country.

The sector-wise breakup of the branch network of the Bank as on 31st March 2018 is as under:

Sector No of Branches % to TotalRural 645 34.46%Semi Urban 435 23.24%Urban 359 19.18%Metro 433 23.13%Total 1872* 100.00%

* including 72 Satellite Branches26. Inspection and Internal Audit The Bank has an in-built system of effective control and

supervision of the functioning of its various branches spread all over the country. In compliance with guidelines of RBI on conduct of various audits of branches, Zonal Offices and Head Office Departments Risk Based Internal Audit, Risk Based Concurrent Audit, Management Audit, Information System Audit, Revenue Audit, Credit Audit and Propriety Audit are conducted by Inspection & Internal Audit Department through internal inspectors, external CA firms and CISA / DISA qualified IS auditors from time to time. Snap Audits are conducted as and when required. These activities are well documented and are guided by the policies approved by the Board. These policies are updated on annual basis duly incorporating the guidelines issued by the Govt. of India and the Regulator from time to time.

During the year as per plan the Bank has carried out RBIA of 1320 branches in house by internally trained inspectors. For speedy compliances, nodal officers are appointed at Zonal Offices. Adherence to system and control is monitored on ongoing basis through 3 Inspection Cells located at Ahmedabad, New Delhi and Mumbai. In order to bring qualitative compliance culture, Risk Based Concurrent audit has been brought under Online Reporting System. Central Off-site Surveillance Cell (COSC) has been made functional at Head Office and Zonal Offices to verify large value transactions. Risk Based Supervision (RBS) has been made operational at Head Office.

27. Vigilance & Fraud Monitoring27.1The vigilance set up of the Bank is headed by the Chief Vigilance

Officer (CVO). CVO is assisted by AGM (Vigilance) and other staff to attend day-to-day work at Vigilance Department. For field duties, Vigilance Officers - Head Office (HVO) are posted at various geographical centres for administering vigilance functions in the Bank. Further, at each Zonal Office, a Zonal Vigilance Officer (ZVO) is posted for looking after the vigilance matters of the Zone.

Vigilance officers undertake investigation of frauds to assess the breaches in the system and procedure and suggest corrective measures to prevent recurrence of such frauds. The department also examines staff accountability in the frauds and the action to be initiated against the staff found accountable, if any, till imposition of penalty. Further, in all the disciplinary cases initiated by issuing imputation of lapses against the staff, the cases are referred to the Chief Vigilance Officer for determining vigilance angle, if any.

Annual workshops are conducted to update the Zonal Vigilance

Officers on the latest developments in vigilance administration. The Vigilance Officials are nominated to participate in quality training programmes conducted externally to enable them have their skills.

Broadly, the Vigilance administration can be categorized as Preventive, Punitive and Surveillance / detection.

The main thrust of Vigilance Department is on Preventive Vigilance activities by educating the staff on the whistle blower policy, awareness to compliance of systems and procedures, modus operandi of reported frauds and suggesting preventive measures.

Preventive Vigilance Drill (PVD) of the branches is conducted by the Zonal Vigilance Officers and HO Vigilance Officers on regular basis. During the PVD, the Vigilance Officers, carry our preventive vigilance drill based on the format provided by Vigilance Department and submit his report to ZM. They sensitize the staff in respect of the latest developments regarding steps to be taken for preventive vigilance.

Preventive Vigilance Committees have been formed at branches to discuss the modus operandi circulated by Vigilance Department which would equip them to thwart attempt by unscrupulous elements to commit fraud on the Bank.

Lecture on ethics and preventive vigilance is delivered by Vigilance Department officials in all training courses of one week duration. Vigilance awareness week is celebrated to spread awareness among the staff on the vigilance measures to be adopted by them in the discharge of their duties.

The Bank has brought out a Vigilance Manual encompassing all instructions concerning vigilance administration for the benefit of all stakeholders. The vigilance manual has been last updated in December 2016. Further, the department has also uploaded CVC Manual 2017 on the bank’s intranet for the benefit of all stakeholders.

27.2 Fraud Monitoring Cell Fraud Monitoring Cell is functioning under the direction and control

of an independent General Manager.

Incidences of frauds are reported by zones to the Fraud Monitoring Cell at Head Office. FMC with due scrutiny of the same, places note to CMD/ED and upon approval, reports the fraud to RBI through FMR-1.

The Fraud Risk Management Committee comprising Functional General Managers meet periodically to evaluate the reported frauds and identify the areas in the systems and controls which need to be strengthened to prevent recurrence of frauds.

Special Committee on Large Value Frauds - a sub-committee of the Board, dwells into the modus operandi of large value frauds and prescribes remedies / mitigating factors.

The Fraud Monitoring Cell periodically reports to the Board on individual frauds,steps taken to prevent such frauds, action initiated against staff and status of cases filed. Periodical reports are submitted to Department of Financial Services / Central Vigilance Commission and Reserve Bank of India.

28. RAJBHASHA1. The Bank continued to be in the forefront to promote the

official language - Hindi as a measure of recognition of the efforts put in during the financial year under review.

2. Awards: During the year under review,

Our Zonal Offices, Nasik, Ludhiana, North India, Rajkot, Durg, Thane, Hyderabad, Pune and Chennai has been awarded various Prizes by Respective Town Officiallanguage Implementation Committee (Bank) for better implementation of Official Language Rajbhasha Hindi



3. Training: Our Bank continued to conduct special training programs to

promote the use of Official Language Hindi.

During the financial year, 126 Hindi Workshops were conducted and 1905 employees were trained. Desk Training Programmes were also conducted to impart practical training to the employees for doing the official work in Hindi.

4. During the year, Third Sub-committee of Parliament Official Language Committee visited our Head Office and Jodhpur Branch (Jaipur Zone).

5. Hindi Software: Keeping pace with the technological changes, the Bank has

provided computer based bilingual word processing facilities on all computers in use at various administrative offices viz. Zonal Offices and Corporate Office.

All the ATMs installed by the Bank have been provided with bilingual access facilities.

6. Use of Hindi in Publicity: In order to popularize our various schemes among public at

large and customers, pamphlets and publicity material of our various schemes were prepared and printed in Hindi.

7. Four issues of “DENA JYOTI” covering various themes on banking and current banking events were published. Bank also prints Annual Reports, AGM / EGM Notices and other communication in bilingual.

8. Bank Branches / Offices in all the three linguistic regions (A,B,C) are constantly improving level of implementation of official Language policy of Government of India and striving to make it as a prime medium of communication to improve our customer service.

9. In order to promote awareness for Official Language Implementation among the staff, our Rajbhasha department at H.O. level, sends email on daily basis to all the branches/departments about Information regarding Official Language Rules, regulations and policies etc., Hindi-English noting apart from daily thought & daily words etc. So that the Annual target be achieved set by Rajbhasha Vibhag (Ministry of Home Affairs) for our Bank.

29. Procurement from Micro, Small & Medium Enterprises: The procurements made by the Bank from various vendors during

the financial year 2017-18 amount to Rs.8871.17 lacs. Out of this procurement made from MSE amount to Rs.783.75 lacs and out of which the procurements made from MSE unit owned by SC/STs Entrepreneurs amounts to Rs.148.08 lacs. The details are being published on the website of the Bank for the benefits of MSEs.

There are no Micro, Small and Medium enterprises to which the Bank owes dues, which are outstanding for more than 45 days as at March 31, 2018. This information as required to be disclosed under the Micro, Small and Medium Enterprises Development Act, 2006 has been determined to the extent such parties have been identified on the basis of information available with the bank

30. Compliance to Regulatory Guidelines: The Compliance Department, functioning from Corporate Office of

the Bank is ensuring the compliance to various obligations under Corporate Governance as well as instructions of Regulators, GOI etc. The Department is also holding the responsibility for implementing the Rules under PMLA and AML / KYC. The Bank has designated an official of Top Executive Grade (TEG) as Chief Compliance Officer for reporting compliance to the Regulators’ requirements and he is also designated as Principal Officer (AML/KYC) for compliance to FIU-India, New Delhi. Board is being apprised periodically on Compliance to the various directives / instructions received from GOI / RBI / IBA / FIU and other Regulatory / Statutory Authorities. Compliance Department also conducts Compliance testing based on RBI - Tranche-III data points as a part of Risk Based Supervision and acts as a nodal point of contact between Regulator and the Bank. On PMLA front, the compliance status of CTR/NTR/CCR/CBWTR and STRs is placed before the Board along with Preparedness towards AML / KYC by the Bank.

The Compliance Department is updating the Policies viz. “Compliance” and “AML/KYC” on yearly basis and obtaining the Board approval for adoption.

As an ongoing process, Compliance Department ensures that the list of terrorist organizations / individuals provided by RBI / FIU-India are updated in the Bank’s INTRANET which is used as a ready reckoner by the field functionaries while handling operations in the new/existing accounts.

As a part of Resource Development, the Compliance Department organises various training programmes on Compliance and AML/KYC to the Bank staff at its Training College / Centres on continuous basis.”


146dm{f©H$ [anmoQ>© Annual Report 2017-18BUSINESS RESPONSIBIlITY REPORT

SECTION A: GENERAl INFORMATION ABOUT THE BANKCorporate Identity Number (CIN) Not ApplicableName Dena BankRegistered address C-10, Dena Corporate Centre, G Block, Bandra Kurla Complex, Bandra East,

Mumbai , Maharashtra - 400051Website www.denabank.comE-mail id [email protected], [email protected] Year reported 2017-18

The Bank is primarily engaged in providing Banking and financial services to its customers and majority of the Bank’s products and services broadly fall under three categories:

1. Deposits - Basic Saving Bank Account, Dena Cash Certificate, Dena Fixed Deposit Scheme, Dena Freedom Deposit Scheme, Dena Jeevan SB Account, Dena Loan Linked Recurring Deposit Scheme, Dena Maha Tax Bachat Yojana, Dena Minor Savings Scheme, Dena Platinum Current Account Scheme, Dena Recurring Deposit Scheme, Dena Samruddhi Deposit Scheme, Dena Savifix Deposit Scheme, Dena Senior Citizen Scheme, Dena Stree Shakti, Dena Super Premium Current Account, Online Term Deposits, Premium Current Account Scheme, Premium Savings Account Scheme, etc.

2. loans and Advances – Corporate Loan (specific scheme for Educational, Hospitality, Real Estate, Entertainment, and Hospital Industry), Dena Consumer Durable Loan, Dena Doctor +, Dena Gold Loan Scheme, Dena Loan Against Property Scheme, Dena Niwas Housing Finance Scheme, Dena Professionals Loan Scheme for CA, CS and CFA, Dena Rent Scheme (Finance against Rent receivables), Dena Senior Citizen Pensioners’ Loan Scheme, Dena Suvidha (Personal Loan) Scheme, Dena Trade Finance Scheme, Dena Vehicle Loan Scheme, Dena Vidya Laxmi Educational Loan Scheme, IBA Model Skill Loan Scheme/Kaushal Wrin Yojana, etc.

3. Others – ASBA, Bancassurance, Demat Services, Dena ATM Card Services, Dena Bank One Click Payment Facility, Dena EASYPOS Point of Sale Terminals, Dena eTax Pay, Dena Gift Card, Dena Insta Pay, Dena Platinum Debit Card (RuPay), Dena Rewardz, Dena SMS Alert Services, Direct Tax Collection, Distribution of Mutual Funds, E Payment Government Treasury Departments, ESmart Services, Inbound Remittances, Indirect Tax, Internet Banking, Mobile Banking, National Pension System (NPS), Online Donations, Public Provident Fund (PPF) Account, RTGS / NEFT, RuPay PaySecure Services, Sukanya Samriddhi Account, Tab Banking, Verified by Visa Services, BHIM Aadhaar Dena, BHIM (Bharat Interface for Money), BHIM DENA UPI, e-KYC and OTP based Aadhaar Authentication, eNPS / eAPY, Goods & Service Tax (GST), Senior Citizen Savings Scheme

The Bank has its presence across the country, with 1872 branches (including 72 Satellite Offices) and more than 27 million customers as on March 31, 2018.

SECTION B: FINANCIAl DETAIlS OF THE BANK AS ON 31.03.2018Paid up Capital (INR) Rs. 2259.05 Crore

Total Business (INR) Rs. 180368.73 Crore

Net loss (INR) Rs. 1923.15 Crore

Total Spending on Corporate Social Responsibility (CSR) Rs. 2.55 Crore

Corporate Social Responsibility:Dena Bank is committed to the objective of corporate social responsibility (CSR) and integrates it into its business model by creating enablers for social and community development. The Bank is engaged in empowering people through various developmental initiatives. The Bank has spent Rs. 2.55 Crores during FY 2017-18 towards Corporate Social Responsibility.

Some of the notable projects undertaken by the Bank under CSR in the reporting year include - Construction of Dena Rural Self Employment Training Institutes (RSETI) building Dena Rural Development Foundation (DRDF), Corpus Fund -for meeting day to day operational expenses of RSETIs, etc.

SECTION C: OTHER DETAIlSDoes the Bank have any Subsidiary Company/ Companies? No

Do the Subsidiary Company/Companies participate in the BR Initiatives of the parent company? If yes, then indicate the number of such subsidiary company(s).

Not Applicable

Do any other entity/entities (e.g. suppliers, distributors etc.) that the Bank does business with; participate in the BR initiatives of the Bank ? If yes, then indicate the percentage of such entity/entities? [Less than 30%, 30-60%, More than 60%]

Not Applicable

SECTION D: BR INFORMATION1. Details of Director / Directors responsible for BR

(a) Details of the Director/Directors responsible for implementation of the BR policy/policies

1. DIN Number : NA

2. Name : Shri Ramesh S Singh

3. Designation : Executive Director


BUSINESS RESPONSIBIlITY REPORT

(b) Details of the BR head:

No. Particulars Details1. DIN Number (if applicable) NA2. Name Usha Ravi3. Designation General Manager4. Telephone number 022 - 2654 56075. e-mail id [email protected]

About Business Responsibility Report This is a regulatory requirement. It is published annually along with the Annual Report. The BR performance of the Bank is to be evaluated

annually. The BR report of the Bank can be accessed on our website at the Financials > Annual Report > Annual Report for the year ended 31st March 2018:

Principle-wise (as per NVGs) BR Policy/policies (Reply in Y/N)

No. Questions Business Product Responsibility

Wellbeing of Employees

Stakeholder Engagement

Human Environment Public Policy

CSR Customer Relations

P1 P2

P3

P4

P5 P6

P7 P8 P9

1 Do you have a policy / policies for....

Y Y Y Y Y Y Y Y Y

2 Has the policy being formulated in consultation with the relevant stakeholders?

Y Y Y Y Y Y Y Y Y

3 Does the policy conform to any national / international standards? If yes, specify?

Y Y Y Y Y Y Y Y Y

4 Has the policy being approved by the Board?Is yes, has it been signed by MD/ owner/ CEO/ appropriate Board Director?

Y Y Y Y Y Y Y Y Y

5 Does the Bank have a specified committee of the Board/ Director/ Official to oversee the implementation of the policy?

Y Y Y Y Y Y Y Y Y

6 Indicate the link for the policy to be viewed online?

https://www.denabank.comMain Page > Customer Care

7 Has the policy been formally communicated to all relevant internal and external stakeholders?

Y Y Y Y Y Y Y Y Y

8 Does the Bank have in-house structure to implement the policy/ policies.

Y Y Y Y Y Y Y Y Y

9 Does the Bank have a grievance redressal mechanism related to the policy/ policies to address stakeholders’ grievances related to the policy/ policies?

Y Y Y Y Y Y Y Y Y

10 Has the Bank carried out independent audit/ evaluation of the working of this policy by an internal or external agency?

Y Y Y Y Y Y Y Y Y


SECTION E: PRINCIPlE-WISE PERFORMANCE

Dena bank is committed to operating and growing its business in a socially responsible way. The Bank is convinced that businesses that address both the direct concerns of citizens and the needs of the environment will prosper over the long term.

The report provides an overview of the activities carried out by the Bank under each of the nine principles as outlined in the SEBI BRR vide circular No. CIR / CFD / CMD / 10 / 2018 dated November 04, 2015 for Business responsibility.

PRINCIPlE 1 - SOUND CORPORATE GOVERNANCE

The guidelines issued by the Regulator / CVC for ensuring effective checks on corruption, malpractices, misappropriations of funds and embezzlements etc. are scrupulously followed and suitable control mechanism is in place. The Compliance function is independently monitored at Corporate Office. Bank recognizes that it is a custodian of public money and in order to fulfill its fiduciary obligations and responsibilities, it has to maintain and continue to enjoy the trust and confidence of public at large. The Bank also publishes Corporate Governance Report alongwith its Annual Report every year.

PRINCIPlE 2 – SUSTAINABlE PRODUCTS AND SERVICES

The Bank is aware of the crucial roles it plays in the economy. One providing financial products and services and another that of change agent by providing banking services to those who were financially excluded hitherto. The thrust areas include new ideas to reach customers with new technology and deepening relations. As a partner in the progress of the country, the Bank extends credit for the requirements of different sectors of economy whether it is big industry, MSME sector, exports, trade, agriculture, infrastructure and personal segment. The Bank has been a pioneer in taking meaningful initiatives for Financial Inclusion catering to the needs of the disadvantaged.

The Bank strives to develop and offer financial products and services that, directly or indirectly, lead to long term environmental benefit and social development. Some of the key products catering to customer needs as well as benefitting the environment / society, are as follows:

Cashless and Green banking: To promote cashless and green banking, Bank has introduced many product viz. Core banking solution, Dena I-Connect- internet banking, mobile banking, ATMs, Micro ATMs/ TABs, USSD facility – transactions without internet, POS machine- Transaction through Ru-Pay card to PMJDY account holders, Ru-Pay Card, AEPS, E-lobbies etc, BHIM-Dena-UPI, DENA BHIM Aadhaar Merchant Pay App etc.. All Bank Mitrs have been provided with 1.1.5 version inter-operable TABs. Aadhaar based transaction of TABs are routed through NPCI.

Financial Inclusion: To improve financial access and real financial inclusion Bank has taken many initiatives. To improve financial access Bank has adopted strategy by arranging financial literacy camps, village meeting and awareness camps for dissemination of information of various Banking services to improve financial access to poor and under privileged people. The Bank has successfully implemented Pradhan Mantri Jan-Dhan Yojana (PMJDY). The department of Financial Services, Ministry of Finance, GOI, has declared Dena Bank as first among all banks in opening maximum accounts under the PMJDY in rural areas. Dena Bank has been awarded as Winner for “Best Financial Inclusion Initiatives” in category of Small Size Bank by Indian Banks Association (IBA) in Banking Technology Conference & Expo Awards 2018 held at Mumbai on 23rd February 2018.

Digital Banking: Under Digital India Drive, Bank has adopted 52 villages for digitization in Gujarat Under Digital India Drive, Bank has State and to create awareness about Digital Payments and products such as Mobile Wallets, Rupay Debit Cards, UPI, AEPS, Mobile Banking, Internet Banking, PoS etc. Bank has arranged rural activation programmes in all these villages.

All products and services catering to the needs of Micro, Small and Medium Enterprises (MSMEs)

All products, services and schemes falling under Rural and Agri banking.

PRINCIPlE 3 – EMPlOYEE WElFARE

Bank is an agile and diverse organization, with people motivated to do good while working. Sustainable, profitable growth can be achieved only when people work as a team in an organization where performance is aligned with values.

HR INITIATIVES

Dena Bank believes that, a trained, motivated and productive workforce is the Bank’s biggest asset. Keeping this in view, Bank has taken many proactive steps in improving organizational efficiency by augmenting Human Resource Management. It is attracting young talents which are being mentored by the experienced employees of the Bank. Bank has streamlined various policies, processes & systems. HRM has implemented the following:

Transparent & objective Performance Management System (PMS) incorporating Government of India guidelines on the same.

Bank has initiated succession planning for critical roles and is in the process of building leadership pipeline.

Introduction of HRMS, a centre for facilitating centralized sanctioning of employee benefits and redressal of employees grievances, has greatly enhanced employee satisfaction.

Similarly, many other such initiatives have been undertaken during FY 2017-18, the objective of which is to keep the employees engaged, competitive and contended

WORK-lIFE BAlANCE

There are several initiatives undertaken by the Bank to promote work-life balance for employees and makes every effort to establish employee connect and employee satisfaction. The Bank has an attractive Promotion Policy including Fast Track Promotion to take care of meritorious employees.

The Bank also provides facilities, benefits and welfare measures to its employees so that they are able to maintain a good work-life balance. The care of the medical requirements of its employees is undertaken through a hospitalization scheme with a tie-up arrangement with many hospitals across the country. The Bank has various welfare schemes viz. canteen subsidy, education loan, medical & hospitalization expenses reimbursement, etc.

Some of the other measures for the employees include Health Camps, celebrations on Bank’s Foundation Day, Hindi Divas, Independence Day, Republic Day, etc. As on 31st March 2018, the Bank had a total of 13,613 employees, out of which 3,705 were women employees and 351 were employees with disabilities.

RESPECT FOR HUMAN RIGHTS:

The Bank is committed to respecting and upholding human rights in all areas of its operations and within its sphere of influence. The Bank has established the “Sexual Harassment Redressal Committee at work places” and has put in place adequate grievance redressal mechanism to address any related concerns. The Bank also respects the right of



its employees to form groups/associations and collectively voice their concerns. There are several employee associations in our Bank.

The Bank has nominated Officers of the rank of General Manager to function as Chief Liaison Officers to oversee implementation of Reservation Policy for Scheduled Castes, Scheduled Tribes, Other Backward Classes, Physically Handicapped and Ex-Physically Handicapped and Ex-Servicemen Employees. Quarterly Meetings with All India Dena Bank SC/ST/OBC Employees’ Federation were held at periodic intervals at Head Office and Zonal Office levels to redress grievances.

Servicemen Employees. Quarterly Meetings with All India Dena Bank SC/ST/OBC Employees’ Federation were held at periodic intervals at Head Office and Zonal Office levels to redress grievances.

INDUSTRY lEVEl WAGE SETTlEMENT

Wage negotiations take place between Indian Banks’ Association representing the Banks and the recognized Unions/Associations through a process of collective bargaining and negotiated settlement of demands. This wage revision is valid for a period of 5 years.

TRAINING AND EMPlOYEES’ SKIll DEVElOPMENT

As a learning organization, the Bank focuses on acquiring contemporary knowledge, continuous reskilling and up skilling activities and attitudinal improvements. Providing need based training to the staff members and to match it with the organizational needs is one of the strong features of Bank’s training system.

The training needs are assessed and catered for all employee cadres. The Bank is committed to ensure that the staff members are competent in basic work skills and knowledge of their individual responsibilities. The training needs in the entire organizational life cycle of an employee – from entry to exit – are catered by the training system with its Apex College “Sir Sorabji Pochkhanawala Bankers’ Training College”, Mumbai besides other Zonal training center at various places.

EQUAl OPPORTUNITY OF EMPlOYMENT

For recruitment of management and supervisory staff / officers, clear guidelines exist concerning the identification and authorization of vacancies to be filled, with appropriate authority levels for these.

FREEDOM OF ASSOCIATION, PARTICIPATION AND COllECTIVE BARGAINING

Bank follows the principle of freedom of association and right to negotiate. The human rights practices of Bank assure respect for the right of employees to freedom of association and recognition of employees’ rights to collective bargaining, where allowable by law.

PRINCIPlE 4 – STAKEHOlDER ENGAGEMENT

For the Bank, stakeholder management is of vital importance as it helps the Bank to deliver its commitments and succeed as a business. Bank actively engages with stakeholders groups such as customers, shareholders, investors, employees, media, etc.

The Bank identifies a stakeholder as somebody who is influenced by the Bank’s operations or who influences the Bank’s operations. Depending on the extent of influence, they are either ‘Primary’, ‘Secondary’ or ‘Key’.’

Primary ‘stakeholders of the Bank include, but are not limited to, employees, Customers. ‘Secondary’ stakeholders include, but are not limited to Local Communities, Suppliers, Industry Associations, and ‘Key’ stakeholders include shareholders and promoters, Regulatory bodies etc. The Bank continues to formally or informally engage with almost all of its stakeholders using a host of communication channels.

The focus of the bank is to provide excellent customer services at all touch points of the Bank viz., branch, ATM, Internet Banking, mobile banking, Call center etc. Further, the Bank has:

Appointed Relationship Officers at Corporate Business Branches and providing them adequate training to convert the complainants into campaigners.

Also set up a 24x7 call centre to address any queries of the customers.

The Bank is also educating its customers about various new products & services through campaigns in both the print & electronic media.

The Bank’s in house magazine "Dena Jyoti" continues to be an excellent means of internal communication between management and employees with the objective of creating oneness among the staff members. The Bank’s Intranet portal hosts all internal policies, guidelines, codes and communications which are accessible to all employees.

The Bank publishes quarterly results along with highlights of performance every quarter in prominent newspapers. The Bank also provides various disclosures as per SEBI (LODR) Regulation from time to time. The Bank also holds analysts and investors meet on regular basis.

The Bank maintains continuous liaison with the Govt. and other peer banks and proactively participates in various policy formulations and industry level issues to improve the functioning of banking industry in India. The top and senior management of the Bank visit urban, sub urban and rural areas, where the Bank is serving, on a periodic basis, to interact with the people and to enhance the effectiveness of the various services.

The Bank is also providing schemes under social security schemes/programs of the government such as PMJJBY, PMSBY and Atal Pension Yojana.

PRINCIPlE 5 – RESPECT FOR HUMAN RIGHTS

Dena Bank upholds the principles of human rights and fair treatment and conducts operations with honesty, integrity and openness and with respect for human rights and interests of employees. As a responsible Corporate entity, the Bank not only follows all the guidelines, instructions, directives issued / notified by the Central / State / Local Government/s or other Statutory Authorities regarding Human Rights but also follows them in spirit.

The Bank will uphold the principles of human rights and increase general awareness of human rights for stakeholders across the value chain. The Bank expects its business partners including suppliers, business correspondents etc. to respect human rights of their workforce and avoid any violation regarding the same.

PRINCIPlE 6 – IMPACT ON ENVIRONMENT

The Bank, as a responsible corporate entity is aware of its obligations towards environment. The Bank has undertaken several initiatives for creating better environment. It has been adopting various measures to reduce its carbon footprint. All new branches / offices are being provided with LED Lighting and 5 star ACs and lighting fittings / ACs of the existing branches / offices are also being replaced in phased manner with LED Lighting / 5 star ACs for reducing energy usage. Further, the Bank plans to install roof top Solar Panels on owned buildings.

PRINCIPlE 7 – ADVOCACY FOR PUBlIC GOOD

Dena Bank practices proactive advocacy with an aim to bring about a positive impact in the business ecosystem and communities. Proactive advocacy for Dena Bank is not just about lobbying the Government for securing certain benefits for industry, but is also about advocating certain best practices for benefit of the society at large.



The Bank is a member of various financial and industry related trade chambers and associations. Some of them are outlined below:

Indian Banks Association (IBA)

Indian Institute of Banking & Finance (IIBF)

Institute of Banking Personnel Selection (IBPS)

National Institute of Bank Management (NIBM)

Centre for Advanced Financial Research and Learning (CAFRAL)

Federation of Indian Chambers of Commerce and Industry (FICCI)

International Chamber of Commerce (ICC)

Banking Codes and Standards Board of India (BCSBI)

National Payments Corporation of India (NPCI)

The Clearing Corporation of India Ltd (CCI)

Confederation of Indian Industry (CII)

The Associated Chambers of Commerce and Industry of India (ASSOCHAM)

National Credit Guarantee Trustee Company(NCGTC)

National Small Industries Corporation (NSIC)

Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE)

National Housing Bank (NHB)

The Bank proactively engages with these bodies and provides inputs on a wide range of issues such as Annual Budget, Credit Policy / Monetary Policy, guidelines on product pricing, various surveys etc.

PRINCIPlE 8 – INClUSIVE GROWTH

RBI defines Financial Inclusion as the process of ensuring access to financial services and timely & adequate credit where needed by vulnerable groups such as the weaker sections and low income groups at an affordable cost from mainstream financial institutions.

The Bank has taken various initiatives/projects to support inclusive growth and equitable development:

1. Pradhan Mantri Jan-Dhan Yojana (PMJDY):

As on 31.03.2018, 44.06 lacs accounts have been opened and Rs 1023.95 crore deposits mobilized under PMJDY.

Bank has approved the scheme for grant of overdraft facility upto Rs.5000/- to PMJDY customers who have opened accounts during 15.08.2014 to 26.01.2015 subject to satisfactory conduct of accounts for the period of 6 months. Bank has sanctioned overdraft to 36,968 PMJDY accounts.

The following steps were also taken up in the villages:

a. All the BC locations are being provided with Inter-operable TABs and the required infrastructure for Aadhar Enabled Payment System (AEPS) transactions.

b. Training of all Bank Mitrs have been provided.

c. Besides, basic banking services, additional value added services like Loan recovery, collection of consent forms for Aadhaar seeding, Rupay card activation etc have been performed by BCs which make BC model more viable and sustainable.

2. Financial literacy Programme:

The Bank is undertaking Financial Literacy dissemination programme as per guidelines issued by RBI / IBA. The financial literacy campaign is being taken on priority basis.

3. Special Social Security scheme:

Pradhan Mantri Suraksha Bima Yojana [PMSBY]: for accidental insurance: As on 31.03.2018 the total number of applications sourced was 17,88,262.

Pradhan Mantri Jeevan Jyoti Bima Yojana [PMJJBY]: for life insurance cover: As on 31.03.2018 the total number of applications sourced were 4,65,284

Atal Pension Yojana [APY]: Atal Pension Yojana (APY) is a co-contributory fixed Pension Yojana to address the longevity risks among the workers in unorganized sector and to encourage the workers in unorganized sectors to voluntarily save for their retirement. The number of applications sourced as of 31.03.2018 is 65,582.

PRINCIPlE 9 – CUSTOMER FOCUS

Information related to products and services are displayed on the Bank’s website and also at the branch premises. The awareness about the financial products is spread through pamphlets and brochures. The Bank promotes its products in electronic and print media through effective marketing techniques and advertising.

The Bank continues to accord top priority for providing prompt and efficient service to its customers. With this end in view, the Bank has formulated a Customer Rights Policy, Grievance Redressal Policy, etc which are available on the website of the Bank. Every endeavour is made to redress the grievances of the customers within the framework laid down in the Grievance Redressal Policy.

Systems and procedures being followed by the Bank are reviewed at regular intervals to upgrade and remove systemic deficiency, if any, which help in further improvement of the customer service.


151dm{f©H$ [anmoQ>© Annual Report 2017-18CORPORATE GOVERNANCE REPORT 2017-18

1. Bank’s Philosophy on Code of Governance

Bank’s Corporate Governance philosophy is based on application of best management practices which will facilitate effective management and control of business. This enables the Board and the Senior Management of the Bank to take decisions adhering to ethical standards, transparency, accountability, responsibility and financial stability. The Bank believes that Corporate Governance is closely linked to its core values and is associated with ethical practices, concern for its employees, extending quality service to its customers, striving to meet the shareholders expectations and societal aspirations. This optimizes the value for all its stakeholders who include not only the Board of Directors and the Senior Management but also the Shareholders, Customers, Employees and the society at large.

Bank’s Corporate Governance structure apart from the Board comprises of the 18 Committees of the Board to monitor various areas of business.

Prevention of Insider Trading

Dena Bank has framed a comprehensive code of conduct for prevention of insider trading namely, “Dena Bank Code of Conduct for Prevention of Insider Trading” in accordance with the requirements of SEBI (Prohibition of Insider Trading) Regulations, 2015. The code for Prevention of Insider Trading is posted on the website of the Bank. All the Directors, Employees at senior management level and other Employees of the Bank who could have access to the unpublished price sensitive information of the Bank are governed by the code. Bank has appointed Smt. Usha Ravi, General Manager in-charge of Investor Relation Centre as Compliance Officer who is responsible for setting forth procedures and implementation of the code of conduct for trading in Bank’s securities. During the year there has been due compliance with the said code.

Code of Conduct

The Board of Directors has approved a Model Code of Conduct circulated by the Indian Banks’ Association for its Directors and General Managers, which is modified subsequently by the Board as per SEBI circular CIR/CFD/POLICY CELL/2/2014 requirements. The code covers amongst other things the Bank’s commitment to honest and ethical personal conduct, fair competition, transparency and compliance of laws and Regulations etc. The code of conduct is posted on the website of the Bank. All the Directors and General Managers have affirmed that they have complied with the Code of Conduct for the year ending 31st March, 2018.

Bank has complied with the guidelines on Corporate Governance stipulated in SEBI (LODR) Regulations, 2015, the disclosure requirements of which are given below:

2. Board of Directors

The constitution of Board of Directors of the Bank is governed by the provisions of the Banking Regulation Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 & Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.

As of 31.03.2018, the composition of the Board consists of eight (08) Directors including two (02) whole time Directors viz. Executive Directors appointed by Government of India and six (06) non-executive Directors. Out of six (06) non-executive Directors, one Official Director represents Government of India Nominee, one Director represents Reserve Bank of India, two Directors appointed by Government of India and two shareholder Directors elected by the Shareholders other than the Central Government. Following post of Directors are vacant as details given below:

Sl. No.

Post Vacant from date

1 Managing Director & CEO 01.01.20182 Workmen Employee Director 19.09.20173 Officer Employee Director 01.01.20164 Part time non-official Director - Char-

tered Accountant30.06.2014

5 Part time non – official Director to be appointed by GOI

05.12.2016

6 Part time non – official Director to be appointed by GOI

28.03.2018

Since the post of MD & CEO is vacant, Board in its meeting held on 16th January, 2018 granted administrative and financial powers of MD & CEO to Senior Executive Director and also decided that, Senior Executive Director may preside over the meetings of all the sub-committees of the Board, which were earlier chaired by erstwhile Chairman & Managing Director, till MD & CEO posted in Bank.

Further, after the superannuation of Smt. Trishna Guha, Executive Director on 31.08.2017, GOI has not appointed Woman Director on the Board of the Bank, as required under Regulation 17 (1) (a) of SEBI (LODR) Regulations, 2015.

During the year under review, 13 meetings of the Board of Directors were held on the following dates:

24.04.2017 09.05.2017 22.06.2017 29.07.2017 30.08.2017 23.09.201727.10.2017 10.11.2017 29.12.2017 16.01.2018 14.02.2018 06.03.201822.03.2018

2.2 Particulars of Directors

The necessary particulars of Board of Directors and status of attendance in the Board meetings during the year under review are given in the Annexure A, B and C.

3. Committees of Directors

In accordance with the guidelines issued by Reserve Bank of India / Government of India / Ministry of Finance & Department of Financial Services and the guidelines on Corporate Governance etc., the Bank has constituted various Committees of the Board of Directors, the details of which are given below:

3.1 Management Committee of the Board

The Board had constituted Management Committee as per provisions of Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970 / 1980. The main functions of the Committee include sanctioning of credit proposals, Loan Compromise / Write-off proposals, Filing of suits / appeals, proposals for approval of capital and revenue expenses, investments in Government and other approved securities / shares/ Bonds and debentures of companies / Corporates, including underwriting, proposals for acquisition, hiring of premises, donations and all other financial approvals etc. which are beyond the discretionary powers of the Chairman & Managing Director / Credit Approval Committee and any other matter referred to the Management Committee by the Board.

The composition of members of the committee as of 31.03.2018 and details of attendance at the meetings at its meetings during the year 2017-18 are given in Annexure B and C.

3.2 Audit Committee of the Board

The Board had constituted Audit Committee of the Board of Directors in October 1995 in accordance with the guidelines of the


3.5 Committee of Directors on Integrated Risk Management The Committee of Directors on Integrated Risk Management was constituted to oversee all risk management activities of the Bank, including identifying underlying risks perceptions, prescribing risk assessment and quantification methodologies, fixing tolerance level for risk exposures, guiding the line management on risk management and mitigation techniques etc.


3.6 Special Committee of the Board for Monitoring large Value Frauds

In accordance with Reserve Bank of India Letter No.DBS.FGV(F) O./004/23.04.01A/2003-04 dated January 14, 2004, a Sub-committee of the Board for monitoring Large Value Frauds was constituted to review the large value frauds involving amounts of Rs.1.00 crore and above, identify the systemic lacunae, if any, monitoring progress of CBI / Police investigation and recovery position, review the efficacy of the remedial action taken to prevent recurrence of frauds and status of examination of staff accountability.


3.7 Customer Service Committee

Formed in line with RBI guidelines dated 14th August 2004, the Committee reviews the customer services in the Bank as also the progress in attending to customer complaints and grievances. It also considers new measures for improvement in customer service, including external issues.


3.8 Committee of the Board on Information Technology Committee.

With a view to facilitate optimum utilization of the existing IT infrastructure, envisioned in the IT Mission of the Bank, to direct IT department on policy matters etc., a need was felt to constitute committee of Directors of the Board for IT. The Board at its meeting held on 1st April 2003, constituted Committee of Directors on Information Technology. The same was reconstituted by Board on 26th & 27th August, 2005 to facilitate optimum utilization of the existing IT infrastructure, envision the IT mission of the Bank, to direct IT department on policy matters and review the transactions volumes under major delivery channels, scalability of the IT infrastructure, New Developments in Technology Field, Business Continuity Planning, Cyber Security, initiatives, the Bank’s preparedness in areas of Information Technology and digitization of villages post demonetization etc.

Further, in terms RBI Circular No. RBI/2010-11/494/DBS.CO.ITC.BC.NO.6/31/02.008/2010-11 dated April 29, 2011 on implementation of recommendations of working group of information security, Electronic Banking, Technology, Risk Management and Cyber Frauds was re-constituted an independent IT strategy Committee having a minimum of two qualified directors as the members, of which one is an independent director and one member director having substantial IT expertise in managing Technology.


Reserve Bank of India. The Committee was re-constituted in May 2008, as advised by Government of India vide communication No. F. No.19/20/2007-BO-I dated February 18, 2008.

Further, Reserve Bank of India vide its letter No.RBI/2015-16/181.DSB.ARS.BC 4 / 08.91.20/2015-16 dated 24th September 2015 has advised that should a Bank have more than one ED, the ED in-charge of Internal Inspection and Audit should be the member of the ACB whereas other EDs can be invitees to the meeting if the agenda includes any item for discussion from their domain.

The functions of Audit Committee include overseeing the audit functions, review of Bank’s financial performance, review critical finding of concurrent/ other inspections/ audits, compliance with accounting standards and all other matters specified under Regulation 18 of SEBI [LODR] Regulations, 2015. The Committee discusses and considers Quarterly/ Annual Accounts before recommending the same to the Board for approval.


3.3. Remuneration Committee of Directors

Remuneration of whole time Directors of PSU Banks is decided by the Government of India. Performance incentive scheme is introduced by the Government of India and for that purpose as per Government of India directives; Bank has constituted “Remuneration Committee” of Board of Directors.

Further, Government of India, Ministry of Finance, Department of Financial Services vide its communication F.No.121/2014-BOA dated 18th August, 2015, has been made change in its orientation for evaluating the performance of Whole Time Directors (viz. Chairman and Managing Director, Managing Director & CEO and Executive Directors) on the Board of Public Sector Banks (PSBs). As per the said communications, the performance of Whole Time Directors will be evaluated by a Committee chaired by Secretary (Financial Services).


3.4 Stakeholders’ Relationship Committee

The Board in its meeting held on November 10, 2014, constituted a Stakeholders’ Relationship Committee in compliance of SEBI guidelines on Corporate Governance and Revised Clause 49 of the Listing Agreement entered into with the Stock Exchanges w.e.f. October 01, 2014, specifically looking into the redressal of grievance of shareholders, debenture holders/ bond holders and other security holders of the company including complaints related to transfer of shares, non-receipt of balance sheet, non-receipt of declared dividends etc.

Further, Board in its meeting held on March 06, 2018 approved the merger of Share transfer Committee into Stakeholders’ Relationship Committee. The Stakeholders’ Relationship Committee to perform all the functions as performed by the Share Transfer Committee i.e. ratification of transfers, transmission of Equity Shares, Remateralisation of Shares, Replacement of shares Certificate, Deletion of Name, Name change and issue of Duplicate Certificates approve by In-house Share Transfer Scrutiny Committee of Executives, noting of shareholding pattern, top Shareholders list and Share Transfer rejections etc.

The composition of members of the committee as of 31.03.2018, and details of attendance at its meetings during the year 2017-18 are given in Annexure B and C.


3.9 Compliance Committee.

Reserve Bank of India, vide their communication no. DBS.CO.PP.BC.6/11.01.005/2006-07 dated April 20, 2007 has laid down guidelines for Compliance function in Banks. Based on these guidelines, the Bank had formulated its Compliance Policy which was approved by Board at its meeting held on December 29, 2007. In accordance with the provisions of the Policy, a committee of Directors on Compliance was constituted on December 29, 2007. The committee was re-constituted on January 29, 2009.


3.10 Nomination Committee:

The Reserve Bank of India, vide their communication DBOD.No.BC.NO.47/29.39.001/2007-08 dated November 1, 2007 has notified to constitute a Nomination Committee of Directors (all independent / non-executive directors) to undertake a process of due diligence to determine the “Fit and proper” status of existing elected Directors and those who file their nominations for election. Based on these guidelines, the Nomination Committee was constituted by Board at its meeting held on December 29, 2007. The said committee was reconstituted on 18th July, 2011, 29th September, 2011 and 29th June, 2016.


3.11 Credit Approval Committee

In line with the Gazette Notification No. 13/1/2006-BO.1 Dt. December 5, 2011 and as per the provisions of Nationalized Banks (Management & Miscellaneous Provisions) Amendment Scheme, 2011, the Board, in its meeting held on January 6, 2012 had constituted Credit Approval Committee of the Board, which was further modified vide Gazette Notification No. 13/01/2006-BO.I dated January 31, 2012 and approved by Board at its meeting held on February 06, 2012. The main functions of the Committee include sanctioning of credit proposals (Funded and Non-Funded), upto Rs.Two Hundred Fifty Crores and Loan Compromise / Write off proposals etc.

The Credit Approval Committee of the Board comprises of five members including two whole time Directors viz. two Executive Directors and 3 General Managers i.e. the General Manager (Corporate Credit). General Manager (Risk Management) and General Manager (Financial Management).


3.12 Steering Committee of Board on HR:

On October 22, 2009, Government of India, constituted a Committee under the Chairmanship of Dr. Anil Khandelwal, to study the HR issues of Public Sector Banks and to make recommendations. Governments of India, vide communication F.No.9/18/2009-IR Dt. October 21, 2011 conveyed their approvals for the recommendations and advised that HR plan incorporating these recommendations be prepared and got approved by the Board of Directors. The recommendations were placed before our Board in its meeting held on February 6, 2012. Further, based on the recommendations of the Khandelwal Committee, “Steering Committee of the Board on HR” was constituted on March 27, 2012 to discuss critical issues on HR, review HRM Plan and related policies on HR, on the lines suggested by the Khandelwal Committee. The Committee meets at quarterly intervals.


3.13 Committee for Monitoring High Value NPAs and loss Assets

In terms of communication F.No.7/112/2012-BOA dated November 21, 2012 received from Department of Financial Services, Ministry of Finance, Govt. of India, Board has constituted a sub-committee of Board for Monitoring High Value NPAs and Loss Assets in its meeting held on December 11, 2012.


3.14 Issue Committee of the Board

On November 09, 2013, the Board constituted a committee of Directors to confirm the price calculated in accordance with SEBI (ICDR) Regulations and as certified by Statutory Auditor at which the equity shares on preferential basis will be issued and to allot shares on receipt of subscription. The said Committee is authorized and empowered to decide on various aspects of further issue of shares and to take administrative decisions.

Further, Board in its meeting held on 23rd September, 2017 re-constituted the Issue Committee of the Board. The scope of the Issue Committee of the Board to approve the issue price, the number of securities to be issued and allotted, the basis of allocation and allotment of Securities on Preferential / Qualified Institutional Placement (QIP)/ Rights/ Bonus/ FPO/ any other basis as mentioned under SEBI (ICDR) Regulations, 2009.


3.15 Departmental Promotion Committee

As per memorandum NO.10/6/98/VIG dated 08th June, 1998 of Government of India, Ministry of Finance, Department of Economic Affairs, Banking Division, Vigilance Section, a committee consisting of Chairman and Managing Director and the Nominee Directors of Government of India and RBI in the Bank was formed to deal with the promotions at senior levels and also review of Vigilance Disciplinary cases and departmental enquiries on quarterly basis. Accordingly, the Committee was formed in the meeting of Board of Directors held on November 09, 2013.


3.16 Priority Sector lending Committee

On July 27, 2013, the Board constituted a Sub-committee of the Board on Priority Sector Lending for more focused attention on achieving targets on Priority Sector Lending and on various sub-sectors of priority sectors and formulation of strategies for priority sector lending.


3.17CommitteeoftheBoardforConfirmationofWilfulDefaulters

The Reserve Bank of India, vide their circular DBOD No.BC/CIS/47/20.16.002/94 dated 23.04.1995 and vide modified circular No.RBI/2014-15/73 dt.07.01.2015 has notified to constitute a Review Committee of the Board headed by the Chairman with two independent directors to review the order of the committee


headed by Executive Director in respect of identification of Wilful Defaulters. Based on these guidelines, the Committee of the Board for Review of Wilful Defaulters was constituted by Board at its meeting held on April 17, 2015.


3.18 Committee of Board to Review Non Cooperative Borrowers:

The Reserve Bank of India, vide their communications DBR. No.CID.BC.54/20.16.064/2014-15 dated December 22, 2014 has notified to constitute a Review Committee of the Board headed by Chairman & Managing Director with two independent directors to review the order of the Committee headed by Executive Director and confirm / finalize the order in respect of identification of Non Cooperative Borrowers who does not engage constructively with his lender by defaulting in timely repayment of dues while having ability to pay, thwarting lenders’ efforts for recovery of their dues by not providing necessary information sought, denying access to assets financed/ collateral securities, obstructing sale of securities etc. Based on these guidelines, the Committee of the Board to Review Non Cooperative Borrowers was constituted by Board at its meeting held on November 07, 2015. No meeting was held during 2017-18.


4. Committees of Executives

For proper and efficient functioning of day-to-day functions of the Bank, the Bank has also formed various In-house Committees. Some of the In-house Committees are as under:

4.1 Investment Committee

The Bank has constituted an Investment Committee of Executives for Investment and Money Market Operations. The said Committee reviews all the deals / transactions and the matters relating to investments and funds management transactions and gives necessary guidelines. These meetings are required to take place twice a week or as often as necessary for reviewing investment decisions.

The Committee is chaired by the Chairman & Managing Director and in his absence by the Executive Director. During the year under review, the Committee has been meeting regularly.

4.2 Assets liability Management Committee

The Bank has constituted Assets Liability Management Committee (ALCO) with Chairman and Managing Director and in his absence Executive Director as Chairman of the Committee. The functions of the Committee inter-alia include overseeing Market Risk Management, Liquidity Risk Management, Interest Rate Sensitivity of Assets and Liabilities and fixation of interest rates etc.

The functional General Managers and other executives from Head Office are other members of the Committee. During the year, the Committee met on 63 occasions to discuss and review ALM functions in the Bank.

4.3 In-House Share Transfer Scrutiny Committee

The Bank had constituted an In-House Share Transfer Scrutiny Committee of the executives of the Bank for approving/ recommending shares transfer, which are processed by the Registrar & Share Transfer Agent of the Bank. The Committee also periodically reviews the progress of demat position of

Bank’s shares and shareholding pattern of the Bank. General Manager (Financial Management), Asst. General Manager (Board Secretariat), Asst. General Manager (IRC) and Chief Manager (IRC) & Company Secretary are the members of the Committee. General Manager (Financial Management) acts as the Chairman of the Committee. During the year, the Committee met on 38 occasions.

4.4 Internal Committee of Executives on Premises (ICE)

The main functions of the Committee are approval of proposals for acquisition of premise on leasehold basis, increase in rent, payment of arrears, renewal of lease and surrender of leased premises, approval of deviations/modifications with regard to terms of sanction/Policy etc. and recommending the proposal to the Management Committee of Board of Directors, where the total annual outgo is beyond the Discretionary Powers prescribed for the ICE.

The Committee is headed by the Chairman & Managing Director. The Executive Directors and six General Managers are members of the Committee.

During the year 2017-18, the Committee met on 10 occasions and 73 no. of proposals were placed before the ICE.

5. Remuneration of Directors

The Chairman & Managing Director and the Executive Directors were paid salary / remuneration as per extant guidelines of the Government of India and are not paid sitting fees for attending the Board and other Committee meetings of the Bank. All other Non-Executive Directors except Government and RBI nominee Directors, are paid sitting fees of Rs.20,000/- for attending each Board Meeting and Rs.10,000/- each for attending any other Committee meeting as per notification F.No.15/1/2011-BO.I dated 20th July 2015 received from Government of India, Ministry of Finance, Department of Financial Services.

In addition to sitting fees to which a director is entitled to be paid as mentioned above, every such director travelling in connection with the work of the Bank shall be reimbursed his / her travelling & Halting expenses if any, on such basis as may be fixed by Central Government from time to time. All matters relating to remuneration of Non-Executive Directors are governed by the provisions contained in the Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1970.

6. Whistle Blower Policy

The Board of the Bank has approved a policy known as Whistle Blower Policy as per CVC and SEBI guidelines. Under this a mechanism has also been incorporated as to how an employee can report to the CVO/ Management about unethical behavior if any, actual or suspected fraud or violation of conduct or ethics. This mechanism also provides adequate safeguards against victimization of employee who avail of this mechanism and also provide for direct access to the Chairman of the Audit Committee in exceptional circumstances. Whistle Blower Policy 2017-18 has been hosted at the website of the Bank.

7. General Body Meetings

The details of last three Annual General Meetings and last three Extraordinary General Meetings are given below. The venue of all meetings was Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Vile Parle (West), Mumbai-400 056:

CORPORATE GOVERNANCE REPORT 2017-18


Details of the Meeting Date & TimeTwenty first Annual General Meeting *

Tuesday, 27th June, 2017 at 11.00 a.m.

Twentieth Annual General Meet-ing

Tuesday, 28th June, 2016 at 11.00 a.m.

Ninetieth Annual General Meet-ing

Saturday, 27th June, 2015 at 11.00 a.m.

Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential basis to GOI and to appoint two Shareholder Directors)

Tuesday, 27th March, 2018 at 11.00 a.m.

Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential ba-sis to GOI, LIC of India and GIC of India)

Monday, 27th March, 2017 at 11.00 a.m.

Extra Ordinary General Meeting(To create, offer, issue and allot Equity Shares on Preferential ba-sis to Govt. of India )

Thursday, 22nd September, 2016 at 11.00 a.m.

*The Last AGM was attended by Shri Ashwani Kumar- Chairman & Managing Director, Smt. Trishna Guha- Executive Director, Shri Ramesh S. Singh – Executive Director and Shri V Chandrasekaran – Shareholder Director & Chairman of the Audit Committee.

Special Resolution was passed at the 21st Annual General Meeting and above said Extraordinary General Meetings.

Postal Ballot – Bank has not conducted any postal ballot during the last financial year.

E-Voting – Bank has provided E-Voting facility to shareholders for the resolutions placed in the Annual General Meeting and Extraordinary General Meeting held as above.

8. Disclosures:

8.1 Disclosure of Material Transactions and Pecuniary Relationship

The Bank has formulated a policy on materiality of Related Party Transactions and also on dealing with Related Party Transactions, which is approved by the Board in its meeting held on January 09, 2015. The said policy is also posted at the website of the Bank, the web-link of the same is as follows: http://www.denabank.com//uploads/files/1421147731326-RPT-Policy.pdf

There have been no significant related party transactions, pecuniary transactions or relationship between the Bank and its Directors for the year ended March 31, 2018 that may have a potential conflict with the interest of the Bank at large.

The Bank has sponsored one Regional Rural Bank in the state of Gujarat Viz. Dena Gujarat Gramin Bank (DGGB) where Bank’s extent of ownership is 35%, During the year, DGGB has issued Inter Bank Participation Certificate (IBPC) of Rs. 190.00 cr to Dena Bank on risk sharing basis representing various loans to priority sector which was matured on 27/12/2017. DGGB has invested Rs. 2 cr in Dena Bank Tier-II Bonds. Further, as on 31/03/2018, DGGB’s deposit with bank stood at Rs.644.50 cr and have availed advances of Rs.594.35 cr.

8.2 There were no cases of non-compliance by the Bank and no penalties / strictures were enforced on the bank by Stock Exchanges/ SEBI or any other statutory authority on any matter related to the capital markets during the last three years.

8.3 As required under Regulation 40(9) of SEBI (LODR) Regulations, 2015, a certificate is obtained within one month of the end of each half of the financial year from a practicing Company Secretary, with regard to inter-alia, effecting transfer, transmission, sub-division, consolidation, renewal and exchange of equity shares within 30 days of the lodgment. The certificate is obtained and filed in BSE and NSE, where the equity shares are listed.

8.4 In terms of SEBI’s circular No. D&CC/FITTC/CIR-16 dated December 31, 2002 a Reconciliation of Share Capital Audit is conducted on a quarterly basis by a firm of practicing company secretary, for the purpose of, inter-alia, reconciliation of total admitted equity share capital with the depositories and in the physical form with the total issued / paid up equity capital of Dena Bank. Certificate issued in this regard is forwarded to BSE and NSE, where the equity shares of the Bank are listed, within 30 days from the quarter end.

8.5 The Clause of Non-mandatory requirements complied by the Bank is as follows:

S l . No.

Requirement Compliance

1 BoardA non-executive Chair-man may be entitled to maintain a Chairman's of-fice at the company's ex-pense and

The Chairman of the Board is an Executive Director ap-pointed by GOI, hence the clause is not applicable as it relates to maintenance of office by non-executive Chair-man.

2 Shareholder RightsA half-yearly declaration of financial performance including summary of the significant events in last six-months, may be sent to each household of shareholders.

Quarterly/ Half yearly results in SEBI format are published in the newspapers and put on the websites of the Bank and Stock Exchanges.

3 AuditQualificationsCompany may move towards a regime of unqualified financial statements.

There has been no audit qualification during the year. Hence, complied with.

4 Separate posts of Chair-man and CEOThe company may ap-point separate persons to the post of Chairman and Managing Director/CEO.

The appointment of Chair-man, Managing Director & CEO of the Bank is made by Ministry of Finance, GOI. Hence the clause is not ap-plicable.

5 Reporting of Internal AuditorThe Internal auditor may report directly to the Audit Committee.

Internal Inspection function of the Bank directly reports to the Audit Committee. Hence, complied with.

9. Financial Results and Means of Communication:

The Bank recognizes the need for keeping its members and stakeholders informed about the events of their interests.

The Quarterly / Half Yearly / Annual results of the Bank are submitted to the Stock Exchanges where the shares of the Bank are listed, within the stipulated time frame. Further, the quarterly results / half-yearly / annual results were also published in English, Hindi and in Marathi (Regional Language) newspapers as per the statutory requirement. The Bank also communicates the annual results to the Shareholders. The results as well as shareholding pattern are displayed on the website of the Bank i.e. www.



denabank.com. It also displays official press releases and other important details about the Bank. Press Meet and Analyst’s Meets are also organized by the Bank.

10. Shareholder information

The Bank is a Scheduled Commercial Bank having its Head Office at Mumbai. The Bank has presence all over India with a network of 1872 Branches (including 72 satellite branches).

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

Stock Exchange CodeAlpha Numeric

BSE DENA BANK 532121NSE DENABANK --

Annual Listing fee for next financial year 2018-19 has been paid to both the stock exchanges.

11. Capital Augmentation during the FY 2017-18

11.1 The Bank had taken approval of shareholders at the Extra Ordinary General Meeting held on 27th March, 2017 to raise equity

share capital upto an amount of Rs. 792.33 Crore by issue and allotment of 20,62,81,999 equity shares at a price of Rs. 38.41 per share (including premium of Rs. 28.41) on preferential basis to Government of India (15,62,09,320 Equity Shares), LIC of India (4,48,65,702 Equity Shares) and GIC of India (52,06,977 Equity Shares). The Bank had received and kept the said amount as application money till the allotment of equity shares. The allotment of shares was made on 4th August, 2017 pursuant to approval of GOI vide their letter F. No. 7/38/2014-BOA dated 4th August, 2017.

The Bank has raised Rs. 401.26 Crore in October, 2017 by issue and allotment of 13,74,18,819 fully paid equity shares @ Rs. 29.20 per share to Qualified Institutional Buyers (QIBs) under Qualified Institutions Placement (QIP).

Pursuant to approvals from Reserve Bank of India and Government of India under Section 3(2B)(c) of Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970; the Bank has raised Rs. 3,045 Crore by allotment of 112,81,95,628 Equity shares of Rs.10/- each at a price of Rs. 26.99 per share (including premium of Rs. 16.99 per share) to President of India (Government of India) on preferential basis on 27th March, 2018. The capital raised would be utilized to shore up the capital adequacy of the bank and to fund the general business needs of the Bank.

11.2 The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes / Debentures (Tier-I and Tier-II Capital) from time to time. The relevant details thereof are as under:

Particulars of the Issue Size(Rs. In Cr)

Date of Allotment

Date of Maturity

ISIN No. Details of Trustees

9.25% Lower Tier-II Bonds (Series IX) 106 25.03.2008 24.05.2018 INE077A09062 IDBI Trusteeship Ltd.Asian Building, Ground Floor,17 R Kamani Marg,Ballard EstateMumbai 400001Phone 022-40807009Email – [email protected]

11.20% Lower Tier-II Bonds (Series X) 300 30.09.2008 30.04.2019 INE077A090709.50% Lower Tier-II Bonds (Series XI) 200 29.01.2009 29.01.2019 INE077A090889.00% Perpetual Bonds (Series II) 125 28.05.2009 Perpetual INE077A09096

9.23% Lower Tier-II Bonds (Series XII) 850 25.06.2012 25.06.2027 INE077A09104 Centbank Financial Services Ltd. Central Bank of India-MMO Bldg, 3rd Floor (East Wing), 55 MG Road, Fort, Mumbai 400001.

9.86% Basel III Compliant Lower Tier-II Bonds (Series XIII)

780 26.02.2014 26.02.2024 INE077A08064

8.76% Basel III Compliant Lower Tier-II Bonds (Series XIV)

400 20.09.2016 20.09.2026 INE077A08098

RedemptionofBondsduringthefinancialyear:

10.05% Perpetual Bonds (Series I) was redeemed on 31.12.2017 by exercising call option.

10.20% Basel III Compliant AT1 Perpetual Bonds (Series III) and 10.95% Basel III Compliant AT1 Perpetual Bonds (Series IV) was redeemed on 31.03.2018 by exercising call option under Regulatory Event.

All these Bonds are listed at the National Stock Exchange of India Ltd. and the Bank will pay the Annual Listing Fees for next financial year 2018-19 to the Stock Exchange before its due date.

11.3 Credit Rating position of the Bonds of our Bank:

Types of Bonds Agency Ratings(March, 2018)

Tier-II Bonds(Basel II Compliant)

CRISIL RATINGS CRISIL AA- / StableCARE RATINGS CARE A + / StableINDIA RATINGS IND AA- / Stable

Perpetual/ IPDI(Basel II Compliant)

CRISIL RATINGS CRISIL A+/ StableCARE RATINGS CARE A / Stable

INDIA RATINGS IND A- / StableTier II Bonds(Basel III Compliant)

CARE RATINGS CARE A + / Stable

12.1 Dematerialisation of Shares and liquidity

The shares of the Bank are traded compulsorily in dematerialized mode. The Bank, as an issuer, has entered into agreements with NSDL and CDSL for dematerialization of shares. In terms of SEBI guidelines, the Registrar & Share Transfer Agent of the Bank is also extending the facility of transfer / dematerialization / rematerialization etc., to shareholders of the Bank.

As on 31-03-2018Demat Physical Total

Number of Shareholders

2,16,856(87.48%)

31,027(12.52%)

2,47,883(100%)

Number of Shares

225,06,15,237(99.63%)

84,31,093(0.37%)

225,90,46,330(100%)



12.2 Share Transfer Systems and Redressal of Investor Grievances.

The Bank has engaged M/s. Link Intime India Private Limited as Registrar & Share Transfer Agent (R & T Agent) of the Bank and the Share/ Bond transfers / transmission, Dividend / Interest payments and all other investors’ related matters are attended to and processed by R & T Agent at their office. The R & T Agent after processing the requests of investors put the same to the In-house Share Transfer Scrutiny Committee of the Executives of the Bank which approves and recommends the transfer / transmission etc. of shares of the Bank to the Share Transfer Committee/ Stakeholder’s Relationship Committee for ratification.

Shareholders may lodge their transfer deeds (only in case of holding in physical form) and any other document, including complaints at the following address of Registrar & Share Transfer Agent of the Bank and also refer correspondence, if any, at the Bank’s Investor Relations Centre at the address given below.

M/s. Link Intime India Private LimitedUnit: Dena Bank,C 101, 247 Park, L. B. S. Marg, Vikhroli (West), Mumbai, Maharashtra - 400083Tel: 022 - 49186270Tele- Fax: 022 - 49186060E-mail: [email protected], [email protected]

Dena Bank, Head Office,Investor Relations Centre, 3rd Floor,Dena Corporate Centre,C-10, G Block, Bandra Kurla Complex,Bandra (East), Mumbai- 400 051Tel: 2654 5318/19/20Tele-fax: 2654 5317E-mail: [email protected]

The Bank has provided a dedicated and exclusive e-mail id [email protected] for the Grievance Redressal, as per SEBI guidelines. Shareholders are requested to avail of this facility in case of any grievance.

12.3 Green Initiative in Corporate Governance

As part of the Green Initiative in Corporate Governance, the

Bank has been sending all communications and documents such as Notice of AGMs and other General Meetings, Explanatory Statement thereto, Annual Report, Balance Sheets, Directors’ Report, Auditor’ Report and other shareholder communications in electronic form to the email address registered by the shareholders either with the Bank or with the depositories as the case may be.

Shareholders are requested to register / update their email ids with the Depository Participants (DPs) or M/s link Intime India Pvt. ltd. as the case may be at the earliest, to enable the Bank to be part of this green initiative.

12.4 Financial Calendar: (Tentative)

Financial Year 1st April, 2018 to 31st March, 2019

Board Meeting for considering the Accounts and recommendation of dividend, if any

11th May, 2018 (Friday)

Dates of Book Closures 21st June, 2018 to 27th June, 2018

Last date for receipt of proxy form

22nd June, 2018

Date and Time of Twenty Second Annual General Meeting

27th June, 2018 at 11:00 A.M.

Board Meeting for taking on record the Un-audited results for first 3 quarters

Within 45 days of the end of relevant quarter

Venue of Twenty Second Annual General Meeting

Auditorium,Sir Sorabji PochkhanawalaBankers’ Training College, Near Cooper Hospital, J.V.P.D. Scheme, Vile Parle (West),Mumbai- 400 056

12.5 Shares Price and Volume of Shares traded on NSE & BSE during the year 2017-18:

National Stock Exchange (NSE) Bombay Stock Exchange (BSE)

Period High low Total Volume of shares traded High low Total Volume of

shares tradedApr-17 44.90 38.10 27,548,301 44.70 38.00 5,791,852May-17 50.10 33.75 70,142,856 50.00 33.70 16,634,343Jun-17 38.40 33.10 30,333,562 38.40 33.00 7,367,699Jul-17 36.10 32.10 18,763,644 36.10 32.25 4,177,220Aug-17 35.25 30.30 13,807,692 35.30 30.30 3,360,393Sep-17 33.60 30.00 16,920,104 33.45 30.45 2,748,452Oct-17 32.00 27.10 101,594,414 32.00 27.10 14,113,357Nov-17 28.70 24.30 70,926,971 28.80 24.30 11,514,144Dec-17 26.40 23.55 34,037,649 26.40 23.70 6,611,760Jan-18 27.85 24.85 73,077,475 27.85 24.65 13,002,922Feb-18 25.50 19.85 37,973,140 25.55 19.85 7,771,152Mar-18 21.60 18.05 31,533,392 21.70 18.00 6,503,534Highest during the year 50.10 Highest during the year 50.00lowest during the year 18.05 lowest during the year 18.00

12.6 Shareholding Pattern as on March 31, 2018:



The shareholding pattern of the Bank as on March 31, 2018 is as follows:

Sl. No.

Category No. of Shares held

% of Share-holding

1 Government of India 1,824,031,844 80.742 Insurance Companies 190,501,676 8.433 Foreign Institutional In-

vestors27,937,286 1.24

4 Bodies Corporate 25,295,657 1.125 NRI/ OCBs 5,606,737 0.256 Banks & Financial Insti-

tutions38,419,247 1.70

7 Mutual Funds/ UTI 400 0.008 Resident Individuals /

NBFC Regd. with RBI, Trust, etc.

147,253,483 6.52

TOTAL 225,90,46,330 100.00

12.7 (A) Statement showing shareholding of persons belonging to the category “Promoter and Promoter Group” as on 31.03.2018:

Sl. No.

Name of Shareholder Number of Shares held

% of total holding

1. President of India (GoI) 182,40,31,844 80.74TOTAl 182,40,31,844 80.74

B) Statement showing shareholding of persons belonging to the category “Public” and holding more than 1% of the total number of shares as on 31.03.2018:

S/No.

Category of the Shareholders

Number of Shares held

Shares as percentage

of total no. of shares

1 Life Insurance Corpo-ration of India

15,52,69,698 6.87

2 General Insurance Cor-poration of India

2,85,32,665 1.26

Total 18,38,02,363 8.13

12.8 Distribution of Shareholding as on 31.03.2018

Description Shareholders Shareholding(Shares Range) Number % to total Number % to total

Upto 500 206069 83.13 34625936 1.53501-1000 20687 8.34 17325868 0.771001-2000 10490 4.23 16364235 0.722001-3000 3610 1.46 9361867 0.413001-4000 1725 0.70 6251979 0.284001-5000 1434 0.58 6825226 0.30

5001-10000 2144 0.86 16156277 0.72Above 10000 1724 0.70 2152134942 95.27

Total 247883 100.00 2259046330 100.00

12.9 Performance of Dena Bank Share in comparison with the movement of S & P CNX Nifty is shown here below:

12.10 Shareholders information:

The Bank had declared Dividend for the following years:

Sl Year Dividend (%)

Sl Year Dividend (%)

1 1996-1997 12% 13 2008-2009 12%2 1997-1998 15% 14 2009-2010 20%3 1998-1999 16% 15 2010-2011 22%4 1999-2000 6% 16 2011-2012 30%5 2000-2001 Nil 17 2012-2013 47%6 2001-2002 Nil 18 2013-2014

(Interim)11%

7 2002-2003 Nil 19 2013-2014 (Final)

11%

8 2003-2004 Nil 20 2014-2015 (Final)

9%

9 2004-2005 Nil 21 2015-16 Nil10 2005-2006 Nil 22 2016-17 Nil11 2006-2007 8% 23 2017-18 Nil12 2007-2008 10%

The Government of India vide its notification dated October 16, 2006 has further amended the Banking Companies (Acquisitions & Transfer of Undertakings) Act, 1970/ 1980, and enacted the new law called the Banking Companies (Acquisitions and Transfer of Undertakings) and Financial Institutions Laws (Amendment) Act, 2006 effective from the date of notification.

As per section 10(B) (2) of the aforesaid Act, the Bank has to transfer the whole or part of any dividend declared before the commencement of the above said Act, unpaid dividend to a special account called “Unpaid Dividend Account of Dena Bank (year)” within six months from the commencement of the Act. i.e. 16th October, 2006. Bank has complied with the above requirement and transferred the same to “Unpaid Dividend Account”

As per section 10 (B) (1) of the aforesaid Act, where, after the commencement of the Banking Companies (Acquisition and Transfer of Undertakings) and Financial Institutions Laws (Amendment) Act, 2006, a dividend has been declared by a corresponding new bank but has not been paid or claimed within thirty days from the date of declaration, to, or by, any shareholder entitled to the payment of the dividend, the corresponding new bank shall, within seven days from the date of the expiry of such period of thirty days, transfer the total amount of dividend which remains unpaid or unclaimed within the said period of thirty days, to a special account to be called “Unpaid Dividend Account”. The Bank has complied with this guideline for dividend for the year 2014-15.



As per section 10 (B) (3) of the aforesaid Act, Any money transferred to the Unpaid Dividend Account of a corresponding new bank in pursuance of this section which remains unpaid or unclaimed for a period of seven years from the date of such transfer, shall be transferred by the corresponding new bank to the Investor Education and Protection Fund established by the Central Government. Accordingly, Bank has transferred Unpaid/ Unclaimed Dividend amount lying in the unpaid dividend account upto 2009-10.

Accordingly, the shareholders who have not received the dividend from the year 2010-11 to 2014-15 may please contact Investor Relations Centre of the Bank or M/s. Link Intime India Private Limited for assistance. Bank had not declared any dividend during the years 2000-2001 to 2005-06 and in the year 2015-16 to 2017-18.

12.11SEBI has made it mandatory for all listed companies to use the Bank account details furnished by the Depositories for distributing dividends through National Electronic Clearing Service (NECS) to the investors where ECS facility is available. In the absence of NECS facility the Bank shall print the Bank Account details, if available, on payment instrument for distribution of dividends to the investors.


12.12 The shareholders having physical shares, who have not provided the Bank Mandate details/ change in Bank Mandate details, may furnish the same to avoid fraudulent encashment of the dividend warrants. Performa for furnishing the Bank Mandate is provided separately in the Annual Report.

12.13 It may please be noted that the shareholders who are holding the shares in physical form may send their Bank Mandate details and change in address, if any, to the Investor Relations Centre of the Bank or M/s. Link Intime India Private Limited, Mumbai for updating record of the shareholders. The shareholders who are holding the shares in demat (electronic) form may approach their Depository Participant for necessary updation of the particulars of Bank account, address of shareholder etc.


DEClARATION

Declaration of the Executive Director pursuant to Regulation 34(3) of SEBI (lODR) Regulations, 2015

It is to declare that all the Board Members and Senior Management Personnel of the Bank have affirmed their compliance with the Code of Conduct for the Financial Year ended on 31st March, 2018 in accordance with Regulation 34(3) of SEBI (LODR) Regulations, 2015. The said Code of Conduct has been posted on the Bank’s website.

For Dena Bank

Date:11.05.2018Place: Mumbai (Ramesh S. Singh) Executive Director

CEO & CFO CERTIFICATE[under Regulations 17(8) of SEBI (lODR) Regulations, 2015]

The Board of DirectorsDena Bank,Mumbai

We hereby certify that for the financial year, ending 31st March, 2018 on the basis of the review of the financial statements and the cash flow statement and to the best of our knowledge and belief that :-

i. These statement do not contain any materially untrue statement or omit any material fact or contain statements that might be misleading;

ii. These statements together present a true and fair view of the Bank’s affairs and are in compliance with existing accounting standards, applicable laws and regulations, as disclosed in the financial results of the Bank.

iii. There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year 2017-18 which are fraudulent, illegal or violative of the Bank’s code of conduct, except as reported to Board / RBI.

iv. We accept responsibility for establishing and maintaining internal controls. We have evaluated the effectiveness of the internal control systems of the bank and we have disclosed to the auditors and the Audit Committee, those deficiencies, of which we are aware, in the design or operation of the internal control systems and that we have taken the required steps to rectify these deficiencies.

v. We further certify that :

1. there have been no significant changes in internal control system during the year;

2. there have been no significant changes in accounting policies during this year, except as disclosed in the financial results of the Bank.

3. there have been no instances of significant fraud of which we have become aware and the involvement therein, of the management or an employee having a significant role in the Bank’s internal control system except as reported to Board / RBI. Whenever any frauds were detected necessary disciplinary action was taken against the concerned employee. Further necessary preventive measures are also being taken on ongoing basis.

(Usha Ravi) (Dr. Rajesh Kumar Yaduvanshi) (Ramesh S. Singh) General Manager Executive Director Executive Director (FM) & CFO

Date: 11.05.2018Place: Mumbai



Auditors’CertificateonCorporateGovernance

[under Regulations 34(3) of SEBI (lODR) Regulations, 2015]

To

The Board of Directors, Dena Bank, Head office, Dena Corporate Centre C-10, G Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051.

We have examined the compliance of the conditions of Corporate Governance by Dena Bank for the year ended March 31, 2018, as stipulated in SEBI (LODR) Regulations, 2015.

The compliance of the conditions of corporate governance is the responsibility of the management. Our examination was limited to the procedures and implementation thereof, in terms of aforesaid Regulations. It is neither an audit nor an expression of opinion on the financial statement of the Bank.

We certify that, in our opinion and to the best of our information and according to the explanations given to us, the Bank has complied with the conditions of Corporate Governance as stipulated in SEBI Regulations, except the following, so far as they are not inconsistent with the guidelines issued by the Government of India & Reserve Bank of India.

1. There is no woman Director in the Bank since 1st September, 2017 as the Government of India has not appointed any Woman Director.

2. Since two Board members retired on 23rd March, 2018, Bank was having only three members in the Audit Committee of the Board as on 31st March, 2018 against the minimum required number of five members as per RBI guidelines. The said vacancies were filled in by the Bank in the immediately following Board meeting held on 26th April, 2018.

We state that no investor grievance is pending for a period exceeding one month against the Bank as certified by Registrar & Transfer Agents of the Bank.

We further state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or effectiveness with which the management has conducted the affairs of the Bank.

for, Ramesh C Agrawal & CoChartered Accountants

[R C Agrawal]PartnerM No.070229FRN 001770C

for, A B P & AssociatesChartered Accountants

[Prabhat Kumar Panda]PartnerM No.057140FRN 315104E

for, Kailash Chand Jain & CoChartered Accountants

[Sandeep K. Jain]PartnerM No.110713FRN 112318W

for, Sarda & PareekChartered Accountants

[Niranjan Joshi]PartnerM No.102789FRN109262W

Date: 11.05.2018Place: Mumbai


162dm{f©H$ [anmoQ>© Annual Report 2017-18DIRECTORS’ PROFIlE

Shri Ramesh S. Singh was appointed as an Executive Director in our Bank on 22nd January, 2016. He is a Graduate in Arts and Law. He is a Certified Associate of Indian Institute of Bankers (CAIIB). Shri Ramesh S. Singh has attended training programs on Advance Leadership and Leadership Development at IIM Ahmedabad, Leadership Development at ASCI Hyderabad and Leadership Development for Corporate Excellence arranged by NIBM Pune with Kellogg School of Management, Chicago.

Prior to joining our Bank as Executive Director, Shri. Ramesh S. Singh was holding the position of Field General Manager in Central Bank of India at its Zonal Office, Bhopal where he was heading Bank’s Operation in the State of Madhya Pradesh comprising of 6 Regional Offices, 468 branches and 18 Lead Bank District Offices. Shri Ramesh S. Singh was also Convener of State Level Bankers’ Committee (SLBC) for the State of Madhya Pradesh. He has also worked as General Manager (Treasury and International Division) at Central Office, Mumbai.

Dr. Rajesh Kumar Yaduvanshi was appointed as an Executive Director in our Bank on 09th October, 2017. He is a Post Graduate in Science and holds a PhD in Entomology from Indian Agricultural Research Institute, New Delhi. He is a Certified Associate of Indian Institute of Bankers (CAIIB). He has attended various training programs including Intensive FEX program, Advanced Training in International Banking (NIBM Pune) and Leadership Skills for Top Management at ISB Hyderabad.

Dr. Rajesh Kumar Yaduvanshi is having more than 32 years of vast experience in banking. Prior to joining our Bank, he was holding position of General Manager in Punjab National Bank and was working as Field General Manager, Delhi NCR comprising of four Circles, 368 branches and two large Corporate Branches. He has also worked for 3 years in the U.K. with Punjab National Bank (international) Ltd. & 3 years as a Circle Head of Jalandhar.

Shri Ashok Kumar Singh represents Government of India on the Board of the Bank since 15th January, 2016. He holds a B.Tech. degree in Mechanical Engineering from IIT, Kanpur. He has joined the Indian Administrative Services in the year 1999 in Kerala Cadre. Shri Ashok Kumar Singh was Managing Director of Kerala Water Authority, Kerala. He was previously on the Board of State Bank of Travancore as Govt. Nominee Director. Presently, Shri Ashok Kumar Singh is holding the position of Director {Financial Inclusion, e-Samiksha, Content for media and allied matters, Information Technology (IT)}, Department of Financial Services, Ministry of Finance, Government of India.

Shri Shirish C. Murmu represents Reserve Bank of India on the Board of the Bank since 03rd May, 2016. He is post graduate in science from Jawaharlal Nehru University, New Delhi. He is a Certified Associate of the Indian Institute of Bankers (CAIIB). Presently, he holds the position of the Regional Director of RBI for Kolkata region. Previously, he has worked in various departments of RBI, such as Issue and Banking Department, Department of Banking Supervision, Department of Urban Banks Supervision, Department of Banking Supervision, Financial Inclusion and Development Department. He has also worked as Chief General Manager, Department of Information Technology.

Shri Amit Chatterjee is appointed as a part-time non-official Director on the Board of the Bank w.e.f. 28th January, 2016. Shri Amit Chatterjee, holds the degree of B.A. (Hons.) in Economics from St. Stephen’s College, Delhi. He is Post Graduate in Economics from Delhi School of Economics, MBA (Finance) degree from Faculty of Management Studies, Delhi and MPhil (Public Administration) degree from Indian Institute of Public Administration, New Delhi. Shri Amit Chatterjee has attended several professional training programmes at prestigious institutions including Wharton Business School, University of Pennsylvania, USA; Georgetown University USA, London School of Economics U.K., National Academy of Administration, Mussoorie; National Academy of Direct Taxes, Nagpur and Indian Institute of Management, Bangalore.

Shri Amit Chatterjee is a retired Senior Officer of Indian Revenue Service. He has acquired special skills over 36 years of vast experience (including 14 years at Joint Secretary level and above) in Government of India Services. He has extensive background in directing policy matters and has held senior positions in the Ministries of Finance, Corporate Affairs, Power, Commerce & Industry. During his service period, he has served on various committees formed by Government of India in various capacities. He is a former Chief Commissioner of Income Tax, Mumbai and Delhi. Shri Amit Chatterjee has also served in the Election Commission of India as Election Observer in various states including Bihar, Uttar Pradesh and Madhya Pradesh.

Shri G. Gopalakrishna is appointed as a part-time non-official Director on the Board of the Bank w.e.f. 28th January, 2016. He is Graduate in Arts and Law. He is a Certified Associate of Indian Institute of Bankers (CAIIB).

Shri G. Gopalakrishna was Executive Director of Reserve Bank of India from October 2007 to April 2014. He was Director of Centre for Advanced Financial Research and Learning (CAFRAL) which was formed by Reserve Bank of India (RBI) to develop a world class global institution for research and learning in banking and finance.

During 2011, Shri G. Gopalakrishna has Chaired the Working Group on Information Security, Electronic Banking Technology, Risk Management and Cyber Frauds. Shri G. Gopalakrishna was also Chairman of the Technical Group set up to review Supervisory Rating Framework as part of the High Level Steering Committee appointed by RBI in 2012 to review the Supervisory process in India.

Dr. Yasho Verdhan Verma is elected as a Shareholder Director on the Board of the Bank w.e.f. March 28, 2018. He holds a degree in Mechanical Engineering from University of Allahabad and holds post-graduation degree in Personnel Management and industrial Relations from Punjab University. He also holds degree of Doctorate in Philosophy from IIT, Kharagpur.

He started his career with TATA Steel in Jamshedpur and also worked in with Usha India and Jindal Organization in HR department. He has served as the CEO of MIRC Electronics Limited and also served in various capacities in LG Electronics India such as Director (Home Appliances), Chief Operating Officer of Indian Operations and Vice President (Human Resources).

He was awarded as ‘HERETIC’ by Business Today and Gallup and featured on cover page of Business Today', a prestigious business magazine in India, in 1997. He has been conferred with an Honorary Fellowship by All India Management Association for significant contribution towards Professional Management. He was also a Council Member of Management of "All India Management Association". He was President of "Consumer Electronics and Appliances Manufacturers (CEAMA)" during the period 2009-11.

Shri Rakesh Kumar has been elected as a Shareholder Director on the Board of the Bank w.e.f. March 28, 2018. He is a Post Graduate in Physics. At present, he is holding the position of Executive Director (Marketing / Bancassurance & Alternate Channels) in Life Insurance Corporation of India. Before the present assignment, he was Regional Manager (Marketing) of Northern Zonal Office, Regional Manager (Personnel & Industrial Relations) of Northern Zonal Office and East Central Zonal Office.


Sr. No.

Particulars of Directors, Tenure & shareholding in Dena Bank , if any.

TYPE Age Yrs

Qualification Tenure Directorship / Membership & Chairmanship in Committee of other companies

Shareholding

1 Shri Ashwani Kumar Chairman & Managing Director

60 M.SC, CAIIB 01.01.2013to

31.12.2017

1. Life Insurance Corporation of India - Director

0

2 Smt. Trishna Guha Executive Director

60 M.Sc., PGD in Computer Science

05.08.2013to

31.08.2017

NIL 0

3 Shri Ramesh S. Singh

Executive Director

56 BA, LLB, CAIIB 22.01.2016To

21.01.2019

NIL 0

4 Dr Rajesh Kumar Yaduvanshi

Executive Director

57 M.Sc., PHD in Entomology, CAIIB

09.10.2017To

08.10.2020

NIL 0

5 Shri Ashok Kumar Singh

Govt. of India Nominee

49 B. Tech (Mechanical Engineering)

15.01.2016To

Until further orders

NIL 0

6 Shri S C Murmu Reserve Bank of India – Nominee

50 M. SC, CAIIB 03.05.2016To

Until further orders

NIL 0

7 Shri Bankim R Desai Workmen Employee Director

58 B.Com 19.09.2014To

18.09.2017

NIL 0

8 Shri Amit Chatterjee Part-time Non-official Director

63 BA (Hons) – EconomicsMBA (Finance & Management)MPhil (Public Administration)

28.01.2016To

27.01.2019

NIL 0

9 Shri G Gopalakrishna Part-time Non-official Director

62 BA, LLB, CAIIB 28.01.2016To

27.01.2019

1. SORIL Holdings and Ventures Limited2. West End Housing Finance Limited3. Invent Assets Securitisation and

Reconstruction Private Limited

0

10 Dr Umesh Bellur Shareholder Director

52 B.E.,Ph. D in (Computer Science)

24.03.2015To

23.03.2018

NIL 100

11 Shri V Chandrasekaran

Shareholder Director

60 B.COMFCA

24.03.2015To

23.03.2018

1. UTI Ventures Fund Management Co. Pvt.Ltd.

2. LIC HFL Asset Management Co. Ltd.3. Legal Entity Identified India Ltd.4. CARE Ratings Ltd.5. Tamilnadu Newsprint & Papers

Limited

200

12 Dr Yasho Verdhan Verma

Shareholder Director

60 B.E.,Master in Personnel Management & Industrial Relations,Ph. D in Organizational Behavior

24.03.2015To

23.03.2018&

28.03.2018To

27.03.2021

1. Indiannica Learning Private Limited2. RINAC India Limited3. Vecare Consumer Science Private

Limited

200

13 Shri Rakesh Kumar Shareholder Director

57 M.SC (Physics) 28.03.2018To

27.03.2021

NIL 100

PARTICUlARS OF DIRECTORS (DURING THE YEAR ENDED AS ON 31.03.2018) Annexure A


COMPOSITION OF COMMITTEE OF THE BOARD AS ON 31.03.2018Committee Members Name Category

Management Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri S C Murmu4. Shri Amit Chatterjee5. Shri G Gopalakrishna

1. Executive Director - I2. Executive Director – II3. RBI Nominee Director4. Part Time Non-official Director5. Part Time Non-official Director

Audit Committee 1. Dr Rajesh Kumar Yaduvanshi2. Shri Ashok Kumar Singh3. Shri S C Murmu

1. Executive Director - II 2. GoI Nominee Director3. RBI Nominee Director

Committee on Integrated Risk Management

1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Amit Chatterjee4. Shri G Gopalakrishna

1. Executive Director - I2. Executive Director – II3. Part Time Non-Official Director4. Part Time Non-Official Director

Stakeholders’ Relationship Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri G Gopalakrishna

1. Executive Director - I2. Executive Director – II3. Part Time Non-Official Director

Customer Service Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh

1. Executive Director – I2. Executive Director – II3. GoI Nominee Director

Committee Monitoring Large Value Frauds

1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh


Information Technology Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri G Gopalakrishna

1. Executive Director – I2. Executive Director – II3. GoI Nominee Director4. Part Time Non-Official Director

Remuneration Committee 1. Shri Ashok Kumar Singh2. Shri S C Murmu

1. GoI Nominee Director2. RBI Nominee Director

Nomination Committee 1. Shri Ashok Kumar Singh2. Shri Amit Chatterjee3. Shi G Gopalakrishna

1. GoI Nominee Director2. Part Time Non-official Director3. Part Time Non-official Director

Compliance Committee 1. Shri Ramesh S. Singh 2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh

1. Executive Director – I 2. Executive Director - II 3. GoI Nominee Director

Steering Committee on HR 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh


Committee for monitoring High Value NPAs & Loss Assets

1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri Amit Chatterjee5. Shri G Gopalakrishna

1. Executive Director – I2. Executive Director – II3. GoI Nominee Director4. Part Time Non-Official Director5. Part Time Non-Official Director

Sub-Committee of Board on Priority Sector Lending

1. Shri Ramesh S. Singh 2. Dr Rajesh Kumar Yaduvanshi3. Shri Ashok Kumar Singh4. Shri S C Murmu

1. Executive Director – I 2. Executive Director - II 3. GoI Nominee Director4. RBI Nominee Director

Departmental Promotion Committee 1. Shri Ramesh S. Singh2. Shri Ashok Kumar Singh3. Shri S C Murmu

1. Executive Director - I2. GoI Nominee Director3. RBI Nominee Director

Committee of the Board for Review of Willful Defaulters

1. Shri Ramesh S. Singh2. Shri Amit Chatterjee

1. Executive Director - I2. Part Time Non-official Director

Committee of the Board to Review Non-Cooperative Borrowers

1. Shri Ramesh S. Singh2. Shri G Gopalakrishna

1. Executive Director2. Part Time Non-official Director

Issue Committee 1. Smt. Ramesh S. Singh2. Shri Dr Rajesh Kumar Yaduvanshi3. Shri G Gopalakrishna

1. Executive Director – I2. Executive Director – II3. Part Time Non-Official Director

Credit Approval Committee 1. Shri Ramesh S. Singh2. Dr Rajesh Kumar Yaduvanshi3. Shri S K Wadhwa4. Smt Usha Ravi5. Shri Rohit Patel

1. Executive Director – I2. Executive Director – II3. General Manager (Corporate Credit)4. General Manager (Financial Management)5. General Manager (Risk Management)

Annexure B

165dm{f©H$ [anmoQ>© Annual Report 2017-18A

nnex

ure

CP

AR

T-I:

DE

TAIl

S O

F A

TTE

ND

AN

CE

OF

DIR

EC

TOR

S A

S O

N 3

1.03

.201

8

Sr.

No.

Name

Boar

d Me

eting

Mana

geme

ntCo

mmitt

eeMe

eting

Audit

Co

mmitt

eeMe

eting

Remu

nera

tion

Comm

ittee

Meeti

ng

Stak

ehold

ers

Relat

ionsh

ip Co

mmitt

eeMe

eting

Integ

rated

Risk

Mana

geme

ntCo

mmitt

eeMe

eting

Comm

ittee

Mo

nitor

-ing

larg

e Va

lue

Frau

ds

Meeti

ng

Shar

e Tr

ansfe

r Co

mmitt

ee

Meeti

ng

Custo

mer

Serv

ice

Comm

it-tee

Meeti

ng

Infor

matio

n Te

chno

logy

Comm

ittee

Meeti

ng

Comp

lianc

e Co

mmitt

eeMe

eting

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natio

n Co

mmitt

eeMe

eting

Stee

ring

Comm

it-tee

of th

e Bo

ard o

n HR

Comm

it-tee

for

Monit

oring

Hi

gh V

alue

NPAs

&

loss

As

sets

Cred

it Ap

prov

al Co

mmit-

tee of

the

Boar

d

Comm

ittee

on

Prio

r-ity

Sec

tor

lend

ing

Depa

rtmen

talPr

omot

ionCo

mmitt

ee

Issue

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-mi

ttee

Comm

ittee

of

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Confi

rmation

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ul De

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Comm

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PA

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II: D

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OF

ATT

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DA

NC

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F D

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CTO

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WH

OS

E T

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M H

AS

EN

DE

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UR

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18

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Name

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matio

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Stee

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Comm

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tee of

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4/4--

166dm{f©H$ [anmoQ>© Annual Report 2017-18P

AR

T-III

: DE

TAIl

S O

F M

EE

TIN

GS

OF

BO

AR

D/ C

OM

MIT

TEE

S H

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DU

RIN

G 2

017-

2018

Sr.

No.

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ntCo

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Comm

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Boa

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of

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faulte

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Comm

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of

the B

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fo

r Rev

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of N

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Coop

erati

ve

Borro

wer

Dates

of

Meeti

ngDa

tes of

Me

eting

Date

of Me

eting

Dates

of

Meeti

ngDa

tes of

Me

eting

Dates

of

Meeti

ngDa

tes of

Me

eting

Dates

of

Meeti

ngDa

tes of

Me

eting

Dates

of

Meeti

ngDa

tes of

Me

eting

Date

of Me

eting

Date

of Me

eting

Date

ofMe

eting

Date

of Me

eting

Date

of Me

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Date

ofMe

eting

Date

ofMe

eting

Date

of Me

eting

Date

of Me

eting

24.04

.1709

.05.17

22.06

.1729

.07.17

30.08

.1723

.09.17

27.10

.1710

.11.17

29.12

.1716

.01.18

14.02

.1806

.03.18

22.03

.18

24.04

.1725

.05.17

22.06

.1719

.07.17

30.08

.1723

.09.17

27.10

.1710

.11.17

18.12

.1730

.01.18

06.03

.1822

.03.18

09.05

.1722

.06.17

29.07

.1727

.10.17

10.11

.1705

.12.17

07.12

.1718

.12.17

14.02

.1817

.03.18

--24

.04.17

07.09

.1707

.12.17

30.01

.18

25.05

.1707

.09.17

18.12

.1706

.03.18

17.03

.1824

.04.17

07.09

.1707

.12.17

30.01

.18

09.05

.1730

.08.17

18.12

.1714

.02.18

24.04

.1730

.08.17

29.12

.1708

.01.18

09.05

.1723

.09.17

07.12

.1706

.03.18

10.11

.1717

.03.18

22.06

.1723

.09.17

29.12

.1717

.03.18

22.06

.1723

.09.17

27.10

.1706

.03.18

12.04

.1720

.04.17

06.05

.1726

.05.17

19.06

.1730

.06.17

19.07

.1704

.08.17

18.08

.1704

.09.17

27.09

.1713

.10.17

09.11

.1704

.12.17

30.12

.1730

.01.18

21.02

.1831

.03.18

25.05

.1723

.09.17

18.12

.1722

.03.18

27.10

.1706

.03.18

04.08

.1710

.10.17

13.10

.1716

.10.17

23.02

.1823

.03.18

27.03

.18

30.08

.1727

.10.17

18.12

.1717

.03.18

--

Total

1312

100

44

14

44

42

44

184

27

40

167dm{f©H$ [anmoQ>© Annual Report 2017-18BASEl III DISClOSURES

Disclosures under Pillar 3 in terms of Guidelines on composition of Capital Disclosure Requirements of Reserve Bank of India – as on 31st March 2018Background :The following disclosures as of 31st March 2018 have been given as per Basel III guidelines. The full disclosures are required to be made at half yearly intervals. The disclosures are based on the materiality concept and details are given in following disclosure formats.

Table DF-1: Scope of ApplicationDena Bank(i) Qualitative Disclosures:a. List of group entities considered for consolidation

Name of the entity / Country of

incorporation

Whether the entity

is included under

accounting scope of

consolidation(yes / no)

Explain the method of consolidat-

ion

Whether the entity

is included under

regulatory scope of

consolidation(yes / no)

Explain the method of

consolidation

Explain the reasons for difference

in the method of

consolidation

Explain the reasons if

consolidated under only one of the scopes of

consolidation

Not Applicable

b. List of group entities not considered for consolidation both under the accounting and regulatory scope of consolidation

(Amt. in Crores)

Name of the entity / country of incorporation

Principle Activity of the

entity

Total balance sheet equity (as stated in

the accounting balance sheet

of the legal entity)

% of bank’s holding in the

total equity

Regulatory treatment of bank’s

investments in the capital

instruments of the entity

Total balance sheet assets(as stated in

the accounting balance sheet of the legal entity)

Dena Gujarat Gramin Bank Banking

254.45(As on

31.03.2017)35.00% Deducted from

Tier I / II

5082.56(As on

31.03.2017)

(ii) Quantitative Disclosures:

c. List of group entities considered for consolidation

Name of the entity / country of incorporation

Principle activity of the entity

Total balance sheet equity (as stated in the

accounting balance sheet of the legal entity)

Total balance sheet assets (as stated in the

accounting balance sheet of the legal entity)

Not Applicable

d. The aggregate amount of capital deficiencies in all subsidiaries which are not included in the regulatory scope of consolidation i.e. that are deducted

Name of the subsidiaries / country of

incorporation


Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

% of bank’s holding in the total equity

Capital deficiencies

NIL

e. The aggregate amounts (e.g. current book value) of the bank’s total interests in insurance entities, which are risk weighted:

Name of the insurance entities

/ country of incorporation


Total balance sheet equity (as stated in the accounting balance sheet of the legal entity)

% of bank’s holding in the total equity / proportion of voting

power

Quantitative impact on regulatory

capital of using risk weighting method

versus using the full deduction method

Not Applicable

f. Any restrictions or impediments on transfer of funds or regulatory capital within the banking group: Not Applicable

Table DF-2 : Capital AdequacyQualitative disclosures:The capital requirement is a function of the regulatory requirements; the risks arising from bank’s activities are mainly due to economic and market conditions. Capital planning of the bank is to ensure the adequacy of capital at the times of changing economic conditions, even at times of economic recession. In this process, the Bank recognizes:

l Current capital requirement of the bank; and

l Capital requirements to sustain projected asset acquisition in near future.

On the basis of current capital position of the bank & need for future capital, the bank raises capital in Tier -1 or Tier -2 with approval of Board of Directors of the Bank. The Capital Adequacy position of the bank is reviewed by the Board of the Bank on quarterly basis.

The Bank reviews its capital requirements and capital strategy based on its business plans as approved by its Board. On the basis of review, the bank raises capital in Tier I & Tier II capital.

For compliance with the New Capital Adequacy Framework, the Bank has adopted Standardised Approach for Credit Risk, Basic Indicator Approach for Operational Risk and Standardized Duration Approach for Market Risk for computing CRAR.

The Bank’s Minimum Capital Requirement and Actual level of Capital & Capital Adequacy as on 31.03.2018 are as under:

(` in crore)

(i) Capital requirement for Credit risk 5,050.99Capital requirement for Credit Risk 5,032.96Capital requirement for Forward forex contract (FFC CCF) + Credit Value Adjustment (CVA) + Qualified Central Counterparties (QCCP)

18.03

Securitisation exposures 0.00

(ii) Capital requirement for Market risk in respect of:

621.67

Capital requirement for Interest Rate Risk 543.73Capital requirement for Foreign Exchange risk (including gold)

2.70

Capital requirement for Equity Risk 75.24(iii) Capital requirement for Operational Risk: 551.17

Capital requirement for Operational Risk under Basic indicator approach

551.17

(iv) Capital Requirement for Other Exposures 264.47Capital requirements for exposures to banks 1.31Capital requirement for Fixed Assets 137.70Capital requirement for Other Assets 125.46

(v) Total CapitalMinimum Capital Requirement for Credit, Market, Operational Risk and Other Risks

6,488.29

Actual Position of Total Eligible capital 8,088.12Eligible Tier I Capital 6,425.56Eligible Tier II Capital 1,662.56

(vi) CRARCRAR 11.09CET 1 CRAR 8.81Tier I CRAR 8.81Tier II CRAR 2.28


Table DF- 3 : Credit Risk : General disclosuresa. Strategies and Processes for credit risk: The bank has a well-defined Loan Policy (which includes

guidelines on lending to Retail Segment & MSME sector), Loan Recovery Policy, Treasury Policy (which incorporates, inter-alia, investment policy) & Discretionary Power Booklet covering the important areas of credit risk management as under:

l Exposure ceilings to different sectors/ Industries of the economy, different types of borrowers , group and Industry

l Fair Practice Code in dispensation of credit

l Discretionary Powers for Lending for different levels of authority of the bank

l Processes involved in dispensation of credit – pre sanction inspection, rejection, appraisal, sanction, documentation, monitoring, and recovery.

l Fixation of pricing

b. The Credit Risk philosophy, architecture and systems of the bank are as under:

Credit Risk Philosophy: Profitable deployment of resources in line with Asset Liability

Management (ALM) requirements.

To set up standard and uniform credit evaluation system and procedures to monitor portfolio performance and set up guideposts to augment income from non-fund exposures

To address issues of credit concentration and to set up prudential credit exposure norms.

To build and maintain a well diversified portfolio for an orderly asset growth

To set up a Credit Risk Management System with parameters for risk identification, measurement, monitoring and mitigation

To provide for Loan Review Mechanism

To set up a risk based Loan Pricing.

To provide for dissemination of information to enable informed credit decision making at all levels and to facilitate proper training of field staff on credit appraisal and monitoring

To provide for adequate delegation of discretionary authority at all levels.

Architecture and Systems of the Bank: A Sub-Committee of Directors has been constituted by the Board

to specifically oversee and co-ordinate Risk Management functions in the Bank.

Credit Risk Management Committee has been set up to formulate and implement various credit risk strategy including lending policies and to monitor Bank’s Enterprise-wide Risk Management function on a regular basis.

Formulating of policies on standards for credit proposals, financial covenants, rating standards and benchmarks.

Credit Risk Management cells deal with identification, measurement, monitoring and controlling credit risk within the prescribed limits.

Close review and monitoring of stressed assets to prevent deterioration in quality.

Enforcement and compliance of the risk parameters and prudential limits set by the Board/Regulator etc.

Laying down risk assessment systems, developing MIS, and monitoring quality of loan portfolio, identification of problems, and correction of deficiencies.

Evaluation of Portfolio; conducting comprehensive studies on economy, industry; testing the resilience of the loan portfolio etc.

Improving credit delivery system upon full compliance of laid down norms and guidelines.

Credit Approval Committees have been set up at Zonal Offices (ZO-CAC), Field General Managers Office (GMO-CAC), Head Office (HO-CAC-II & HO-CAC-III) apart from existing Credit Approval Committee of Board i.e. HO-CAC-I.

c. The policy of the Bank for classifying bank’s loan assets is as under:

NON PERFORMING ASSETS (NPA): A non-performing asset (NPA) is a loan or an advance where;

i. interest and / or installment 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’ in respect of an Overdraft/Cash Credit (OD/CC),

iii. the bill remains overdue for a period of more than 90 days in the case of bills purchased and discounted,

iv. the installment of principal or interest thereon remains overdue for two crop seasons for short duration crops,

v. The installment of principal or interest thereon remains overdue for one crop season for long duration crops.

An OD/CC account is treated as ‘out of order’ if the outstanding balance remains continuously in excess of the sanctioned limit/drawing power for 90 days. In cases where the outstanding balance in the principal operating account is less than the sanctioned limit/drawing power, but there are no credits continuously for 90 days as on the date of Balance Sheet or credits are not enough to cover the interest debited during the same period, these accounts are treated as ‘out of order’.

An amount due to the bank under any credit facility is ‘overdue’ if it is not paid on the due date fixed by the bank. Non Performing Assets of the Bank are further classified into three categories as under:

Sub-standard Assets: A sub-standard asset would be one, which has remained NPA for a period less than or equal to 12 months. All the recovery measures are relevant in substandard assets also. If the entire overdue is recovered by way of cash recovery, the account can be upgraded to standard category immediately. Similarly, if an account is classified as NPA due to technical reasons, the account shall be upgraded on clearance of technical reasons.

Doubtful Assets: An asset would be classified as doubtful if it remained in the sub standard category for 12 months. In case of NPA accounts, where the realizable value of security available is less than 50% of the balance outstanding / dues, these accounts would also be classified as Doubtful.

Substandard and Doubtful accounts, which are subjected to restructuring/ rescheduling, can be upgraded to standard category only after a period of one year after the date when first payment of interest or of principal, whichever is earlier, falls due, subject to satisfactory performance during the period.

loss Assets: A loss asset is one where loss has been identified by the bank or internal or external auditor or the RBI inspection. In Loss assets, realizable value of security available is not more than 10% of balance outstanding/ dues. Since security back up will not be available, the restructuring/ rehabilitation, if required, should be considered with utmost care.

d. The Scope and Nature of Risk Reporting and / or Measurement System:

The Bank has in place a credit risk rating system for its credit exposures. An effective way to mitigate credit risks is to identify potential risks in a particular asset, maintain a healthy asset quality and at the same time impart flexibility in pricing assets to meet the required risk-return parameters as per the bank’s overall strategy and credit policy.

BASEl III DISClOSURES


The Bank has implemented internal rating models RAM (Risk Assessment Models) for customers with limits of Rs. 25 Lacs & above. For loans below Rs 25 lacs, the bank has separate credit risk rating system for evaluating credit risk and is designed to assist the bank in determining the probability of default and the severity of default, among its loan assets.

e. The Quantitative Disclosures in respect of Credit Risk are as under:

(` In crores)

Sr. No

Fund Based

(i) Total credit (Net of provision) 74238.58(ii) Geographic Distribution of Advances

Overseas Domestic

0.0074238.58

(iii) Industry type distribution of domestic exposures^

Advances – Fund Based Outstanding

Mining & Quarrying (incl. Coal) 374.22Iron & Steel 4,786.04Other Metal & Metal Products 557.86All Engineering 2,610.02Cotton Textile 1,438.99Jute Textile 5.35Man Made Textile 165.41Other Textiles 1,983.77Food Processing 1,350.14 Of which Sugar 178.48 Tea 6.63 Vegetable oils (incl. Vanaspati) 460.49Paper & Paper Products 391.75Rubber , Plastic & their products 709.60Chemical, Dyes, Paints & Pharmaceuticalof which: Fertilizers Petro- Chemical Drug & Pharmaceuticals

797.66101.52252.17232.55

Cement and Cement products 460.89Leather & Leather Products 427.50Gems & Jewellery 781.57Construction 2,542.08Petroleum, Coal Products and Nuclear Fuels 1.32Vehicles, Vehicles Parts & transport Equipment 145.61Computer Software 227.79Infrastructure of which: Energy Communications Water and sanitation Social and Commercial Infrastructure Transport

11,625.713,624.221,788.42

841.861,182.563,321.82

NBFCs 9,656.81Trading 1,237.30Beverage & Tobacco 15.23Wood & Wood Products 125.30Other Industries 824.27

f. Residual Contractual Maturity Breakdown of Assets (` In crores)

Maturity Pattern Net Advances

Net Investments

Foreign Currency

Assets1 day (next day) 198.84 0.00 62.722 to 7 days 1,310.16 200.47 74.448 to 14 days 1,435.90 126.54 31.2915 to 30 days 727.23 82.28 75.0131 days and up to 2 months

1,951.87 81.98 184.48

61 days and up to 3 months

1,369.51 83.78 516.26

Over 3 months & up to 6 months

4,102.88 109.11 280.47

Over 6 months & up to 1 year

3,295.83 2,032.78 8.67

Over 1 year & up to 3 years

24,134.49 2,415.11 0.00

Over 3 years & up to 5 years

64,42.51 5,126.99 0.00

Over 5 years 20,612.29 2,7350.51 0.00Total 65,581.51 3,7609.55 1,233.34

Disclosure in respect of Non-performing Advances and Investments:f. Gross NPA

Category (` In Crore)Sub Standard 3,353.75Doubtful – 1 4,259.22Doubtful – 2 4,749.02Doubtful – 3 2,434.61

Loss 1,564.84Total NPA 16,361.44

g. The amount of net NPA is ` 7838.78 Croreh. The NPA ratios are as under: l Gross NPAs to Gross Advances - 22.04 %

l Net NPAs to Net Advances - 11.95 %

i. The movement of gross NPAs is as under

Sl. No.

Particulars ` In Crore

(i) Opening Balance at the beginning of the year 12,618.73(ii) Addition during the year ended 31.03.2018 6,008.47(iii) Reduction during the year ended 31.03.2018 2,265.76(iv) Closing Balance as at the period ended

31.03.2018( i + ii – iii )

16,361.44

j. The movement of provision for NPA is as under:

Sl. No.


(i) Opening Balance at the beginning of the year 4,877.67(ii) Provision made during the year ended

31.03.20184,281.80

(iii) Write-off made during the year ended 31.03.2018

679.39

(iv) Write-back of excess provisions made during the year ended 31.03.2018 --



(v) Any other adjustments, including transfers between provisions --

(vi) Closing Balance as at the end of the year ended 31.03.2018 8,480.08

k. The amount of non-performing investments is ` 161.52 Crore.

l. The amount of provisions held for non-performing investments is ` 151.77 Crore

m. The movement of provisions for depreciation on investments is as under:

Sl. No.


(i) Opening Balance at the beginning of the year 452.54 (ii) Provision made during the year ended

31.03.2018 218.54

(iii) Write-off made during the year ended 31.03.2018 0.00

(iv) Depreciation adjusted by reducing book value of Investment under AFS/ HFT category shifted to HTM

226.32

(v) Less : Write-back of excess provision 14.75 (vi) Closing Balance as at the end of the year ended

31.03.2018 ( i + ii – iii – iv - v) 430.01

n. By major industry or counterparty type:

list of Industry-wise (Major Industries) NPA and provision as on 31st March 2018

(` In Crores)

Sr. No.

Industry Name Total NPA Total Provision

1 Mining and Quarrying 8.70 2.802 Food Processing 526.18 299.463 Beverages (excluding Tea &

Coffee) and Tobacco9.32 8.26

4 Textiles 1,409.8 763.485 Leather and Leather products 5.76 1.466 Wood and Wood Products 42.56 23.997 Paper and Paper Products 147.53 42.868 Petroleum (non-infra), Coal

Products (non-mining) and Nuclear Fuels

0.02 0.02

9 Chemicals and Chemical Products (Dyes, Paints, etc.)

166.09 59.97

10 Rubber, Plastic and their Products

59.35 29.69

11 Glass & Glassware 59.82 54.2212 Cement and Cement Products 161.64 149.5213 Basic Metal and Metal Products 2,838.52 1,480.7314 All Engineering 1,701.68 606.4315 Vehicles, Vehicle Parts and

Transport Equipment33.71 25.35

16 Gems and Jewellery 465.11 258.8217 Construction 1,056.29 728.2918 Infrastructure 2,454.06 1,280.44

Of which Energy 741.51 329.20 Communication 519.88 258.45 Transport 795.38 327.51Water and Sanitation 73.00 73.00Social and Commercial Infrastructure

63.18 31.17

Others 261.11 261.1119 Other Industries 685.78 415.58

Residuary other advances (to tally with gross advances)

4,529.52 2,248.71

Total 16,361.44 8,480.08

o. Amount of NPAs broken down by significant geographical areas including the amounts of general provisions related to each geographical area.

Position as on 31st March 2018 (Rs. in Crores)Substandard Advances Doubtful Advances loss Advances

Total NPA Total ProvisionNPA

Amount Provision NPA Amount Provision NPA

Amount Provision

Western India 2,617.76 402.94 9,092.28 5716.67 1,363.83 1,295.46 13,073.87 7,415.08Southern India 256.04 38.93 523.63 307.78 220.99 220.92 1,000.66 567.63Eastern India 46.14 7.20 533.69 458.10 234.46 233.86 814.29 699.16Northern India 337.57 50.75 2,725.61 1,700.51 101.41 100.99 3,164.60 1,852.25Central India 97.24 14.79 380.71 255.14 26.99 26.88 504.94 296.81

Total as per Form C 3,354.75 514.62 13,255.93 8,438.20 1,947.69 1,878.11 18,558.37 10,830.93Prudential Write-off & write

backatHeadOffice1.00 1.00 1,813.08 1,813.08 382.85 382.85 2,196.93 2,196.93

WritebackatHeadOffice 92.11 61.81 153.92Total (Final) 3,353.75 513.62 11,442.85 6,533.01 1,564.84 1,433.45 16,361.44 8,480.08

Table DF- 4: Credit risk: Disclosures for Portfolios subject to the Standardised approachUnder Standardized Approach, the bank accepts rating of all RBI recognised ECRAs (External Credit Rating Agencies) namely CARE, CRISIL, India Rating, ICRA, Brickwork, SMERA and Infomerics for domestic credit exposures. For overseas credit exposures the bank accepts rating of Standard & Poor, Moody’s and Fitch as per RBI guidelines.

The bank encourages large corporate borrowers to solicit ratings from RBI approved ECAI (External Credit Assessment Institutions) and has

used these ratings for calculating risk weighted assets wherever such ratings are available.

“The Bank has included `.65.73 crores in the Risk weighted Assets on account of Unhedged foreign currency exposure for which capital of ` 5.92 crores has been earmarked for CRAR calculation. In the eligible Tier 2 capital, provision for unhedged foreign currency of ` 7.28 crores has been included.”

The risk weighted assets considering risk mitigants subject to Standardized Approach (rated and unrated) in the following three major risk buckets are as under:



(i) Fund based & Non- Fund based exposures (` in crores)

As on 31.03.2018 Fund based Exposure

Non Fund based Exposure

At below 100% 46,189.14 4,766.33At 100% 17,796.13 2,624.63At more than 100% 9,123.13 1,782.91Deducted Against CRM 3,327.11 1,099.23

Less: PWO at HO -2,196.93 0.00Total 74,238.58 10,273.11

Table DF- 5: Credit Risk Mitigation: Disclosures for Standardised Approacha. Credit Risk Mitigation technique – On/Off balance sheet

netting On/Off Balance Sheet netting is confined to loans/advances

and deposits, where bank has legally enforceable netting arrangements, involving specific lien with proof of documentation.

b. Valuation of Collaterals The valuation of eligible collaterals is taken based on the current

market price as per the extant guidelines of the Bank regarding valuation of financial collaterals and non-financial collaterals.

Bank obtains various types of securities (which may also be termed as collaterals) to secure the exposures (Fund based as well as non-fund based) on its borrowers. Generally following types of securities (whether as primary securities or collateral securities) are taken:

1. Movable assets like stocks, movable machinery etc.

2. Immoveable assets like land, building, plant & machinery

3. Bank’s own deposits.

4. NSCs, IVPs, KVPs, Govt. Bonds, RBI Bonds, LIC policies, etc.

5. Cash Margin against Non-fund based facilities

6. Gold Jewellery

7. Shares as per approved list

The bank has well-laid down policy on valuation of securities charged to the bank. According to Loan policy, Valuation of collateral securities such as immovable properties charged to Bank should be taken once in three years.

The main types of guarantors against the credit risk of the bank are:

l Individuals (Personal guarantees)l Corporatel Central Governmentl State Governmentl ECGCl CGTMSE

CRM securities are mostly available in Loans against Bank’s Own Deposit and Loans against Government Securities, LIC Policies. CRM securities are also taken in non fund based facilities like Guarantees and Letters of Credit.

Eligible guarantors (as per Basel guidelines) available as CRM in respect of Bank’s exposures are mainly Central/ State Government, ECGC, CGTMSE.

The total volatility adjusted Credit Risk Mitigants eligible for deduction from the fund based outstanding exposures as on 31.03.2018 are ` 4426.34 Crores.

c. CRM exposure (portfolio-wise) (` in Crore)

Nature of Assets Fund Based

CRM Exposure

Non Fund

Based

CRM Exposure

Domestic Sovereign 0.08 0 0.13 0Public Sector Entity 6,809.7 130.18 836.34 15.27Claims on Bank 594.35 594.35 34.11 19.65Primary Dealers 2.8 0 1.06 0.2Corporates 34,389.53 681.22 8,794.24 840.5Regulatory Retail Portfolio 21,032.45 1,595.47 547.55 198.22

Residential Property 5,336.31 18.94 0 0Commercial Real Estate 526.41 0.06 55.83 23.63

Specified Category 6,797.94 284.73 3.85 1.76Other Assets 945.94 22.16 0 0Total 76,435.51 3,327.11 10,273.11 1,099.23Less: PWO at HO 2,196.93 0.00 0.00 0.00Final Figures 74,238.58 3,327.11 10,273.11 1,099.23

Table DF- 6: Securitisation Exposures: Disclosure for Standardised ApproachThe Bank does not have any case of its assets securitised as on 31st March, 2018.

Table DF- 7: Market risk in Trading BookThe Bank defines market risk as potential loss that the Bank may incur due to adverse developments in market prices. The following risks are identified as Market risk:

Interest Rate Risk

Currency Risk

Price risk

AlCO DeskALM Desk or Asset Liability Management Section of Integrated Risk Management Department is headed by a Chief Manager. The Desk comprises of number of trained Officers and is responsible for implementing the Asset Liability Management directions of ALCO and to undertake necessary studies, analysis, etc. for this purpose.

MidOfficeThe Mid-Office in Integrated Treasury Branch is equipped with Officers with necessary skills and is responsible for monitoring, measuring, analyzing and reporting market risk involved in the operations on a continuous basis. The Mid-Office is independent of the Front & Back Offices of Treasury and reports to Dy. General Manager (Integrated Risk Management Department). The Mid-Office submits weekly reports to Dy. General Manager (Integrated Risk Management Department) and GM (IRM) on the levels of adherence to the prescribed prudential limits in this Policy as well as the Investments Policy of the Bank.

Market Risk ManagementIn order to manage above risks, Bank’s Board of Directors has laid down various limits such as Aggregate Settlement limits, Stop loss limits and Value at Risk limits. The risk limits, controls the risks arising from open market positions. The stop loss limit takes into account realized and unrealized losses. Bank has put in place a proper system for calculating capital charge on Market Risk on Trading Book as per RBI Guidelines, viz., Standardised Duration Approach. The capital charge thus calculated is converted into Risk Weighted Assets.



# Capital charge on Market Risk (Standardised Duration Approach) as on 31st March 2018 is as under:

Sl. No.

Risk Category Amount(` In crore)

I Interest Rate (a+b) 5,437,232a General market risk 3,483,695(i) Net Position 3,483,406(ii) Horizontal disallowance 00,021(iii) Vertical disallowance 00,268(iv) Options 00,000b Specificrisk 1,953,537II Equity Risk ( i + ii) 752,429i. General market risk 334,413ii. Specific risk 418,016III Foreign Exchange Risk (including Gold) 27,000IV Total capital charge for market risks

under Standardised duration approach (I + II+ III )

6,216,661

# The Capital Charge on market risk is calculated based on NCAF circular. The RWAs are calculated by multiplying capital charge by 12.5.

Table DF- 8: Operational riskOperational Risk is the risk of loss resulting from inadequate or failed internal processes, people or systems or from external events. It includes legal risk but excludes strategic and reputation risk. Operational risk is inherent in the Bank’s business activities in day to day operations.

Objectives of Operational Risk Management (ORM)• To recognise the need to understand operation risk in activities /

business lines in which the bank is engaged. ORM functions shall not be understood as a process of eliminating such risks but as a systemic approach to understand, identify, measure, monitor and control such risk.

• To set up operational risk limits for various causes leading to operational risk event based on actual risk data collected, its severity and its trend. This approach would be necessary to eliminate / restrict the underlying causes for operational risk event to occur.

• To devise operational risk reporting system for specified business lines.

• Integrate ORM system in to day to day risk management processes of the bank by clearly assigning roles for effectively identifying, assessing, monitoring, control and mitigating operational risk events.

• Propose to move from Basic Indicator Approach (BIA) to higher approaches (TSA / AMA) for Operational risk in due course.

In line with RBI guidelines, Bank has adopted the Basic Indicator Approach (BIA) to compute the capital requirements for Operational Risk. The methodology for calculating capital requirements under BIA can be summarised as given below:

The Gross Income of last three years is calculated by adding operating expenses to Operating Profit and subtracting reversal of provisions, profit from sale of HTM securities and income from insurance business as per RBI guidelines. The average gross income is then multiplied by a factor ‘Alpha’ (15%) to get Capital Charge for operational risk. Once the bank calculates the capital charge for operational risk under BIA, the capital charge is multiplied with 12.5 and the notional risk weighted asset (RWA) for operational risk is thus arrived.

Risk Weight Assets for the Operational Risk as at 31st March 2018 is ` 6124.13 Crores.

Table DF- 9: Interest rate risk in the banking book (IRRBB)The IRRBB measurement is carried out through two approaches EaR and MVE. The interest rate risk, when viewed from these two perspectives, is known as ‘earnings perspective’ and ‘economic value perspective’, respectively. Both approaches take into account position of rate sensitivity of assets and liabilities which are bucketed in residual maturity time buckets based on behavioral analysis. Both approaches measure the IRRBB on a monthly basis.

Earning at Risk (Traditional Gap Analysis)(Short Term):The immediate impact of the changes in the interest rates on net interest income of the bank is analyzed under this approach.

i. The Earning at Risk is analyzed under different scenarios as under :

( ` in Crore)

EaR

Impact on NII up to next balance sheet date

(i.e. 31.03.2019) By 50 bps By 200 bps

Increase in Interest rates on assets and liabilities (Shock given on gaps) 66.83 267.33

Increase in Interest rates on deposits and investments and not for advance portfolio (Shock given on gaps)

-103.12 -412.48

ii. EconomicValueofEquity(ModifiedDurationGapAnalysis)(long term) :

a. Economic Value of Equity is done by calculating modified duration of assets and liabilities to arrive at the modified duration of equity. Impact on the Economic Value of Equity is analyzed for a 100 bps/ 200 bps rate shock at regular intervals for domestic operations through Duration Gap Method.

b. The net impact on net worth of the bank against 100 bps / 200 bps downward movement in interest rates is ` 576.31 crores / ` 1152.62 crores as on 31.03.2018 for domestic operations.

c. For assets and liabilities denominated in US dollars, the net impact on net worth of the bank against 100 bps / 200 bps downward movement in interest rates is ` 4.29 crores / ` 8.59 crores as on 31.03.2018.

d. For assets and liabilities denominated in Residual currency (other than INR/USD), the net impact on net worth of the bank against 100 bps / 200 bps downward movement in interest rates is ` 0.29 crores / ` 0.58 crores as on 31.03.2018..

In the course of its business, Bank has set in place systems & procedures to identify the risks involved, measure the impact thereof, adhere to mitigation techniques / take necessary steps to mitigate such risks. Further, monitoring of such risks and mitigation thereof is done on an on-going basis.

Table DF-10 General Disclosure for Exposures related to Counterparty credit RiskQualitative Disclosure –Counterparty Credit Risk is defined as the risk that the counterpartyto a transaction could default before the final settlement of thetransaction’s cash flows and is the primary source of risk for derivatives and securities financing transactions. Unlike a Bank’s exposure to credit risk through a loan, where the exposure to credit risk is unilateral and only the lending bank faces the risk of loss, the counterparty credit risk is bilateral in nature i.e. the market value of the transaction can be positive or negative to either counterparty to the transaction and varying over time with the movement of underlying market factors.

An economic loss would occur if the transactions or portfolio of transactions with the counterparty has a positive economic value at the time of default.



Bank offers derivative product viz. Forex Forward Contracts to customers to enable them to hedge their currency exposure. All over-the-counter derivative leads to counterparty credit exposures which bank monitors on a regular basis.

The bank has a well laid down policy for undertaking derivative transactions approved by board.

Capital for CCR exposure is assessed based on Standardised Duration Approach.

Bank has put in place Counterparty Credit Risk limits for banks as counterparty, based on internal rating of the counterparty bank with the approval of the board. Counterparty exposures for other entities are subject to comprehensive exposure ceiling fixed by the board.

Quantitative Disclosure –1. As of date bank is dealing in Foreign Exchange Forward contracts and currency swaps.

2. The Bank does not recognise bilateral netting. The credit equivalent amount of derivatives that are subjected to risk weighting are calculated as per the Current Exposure Method.

( ` in crores)

Particulars Foreign Exchange contracts & SwapsCurrent Credit Exposure 56.05Potential Future Exposure 91.62Total Credit Equivalent 147.68

Table DF- 11: Composition of Capital (Rs. in crores)

Basel III common disclosure template to be used from 31.03.2017Common Equity Tier 1 capital: Instruments and reserves

1 Directly issued qualifying common share capital plus related stock surplus (share premium) 2,259.052 Retained earnings (1,923.15)3 Accumulated other comprehensive income (and other reserves) 8,265.754 Directly issued capital subject to phase out from CET 1 (only applicable to non-joint stock companies) 0.00

Public sector capital injections grandfathered until 1 January 2018 0.005 Common share capital issued by subsidiaries and held by third parties (amount allowed in group CET 1) 0.006 Common Equity Tier 1 capital before regulatory adjustments 8,601.65

Common Equity Tier 1 capital: regulatory adjustments7 Prudential valuation adjustments8 Goodwill (net of related tax liability)9 Intangibles other than mortgage-servicing rights (net of related tax liability) 27.3810 Deferred tax assets 2,975.5211 Cash-flow hedge reserve12 Shortfall of provisions to expected losses13 Securitisation gain on sale14 Gains and losses due to changes in own credit risk on fair valued liabilities15 Defined-benefit pension fund net assets -16 Investments in own shares (if not already netted off paid-in capital on reported balance sheet)17 Reciprocal cross-holdings in common equity18 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory

consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued share capital(amount above 10% threshold)

-

19 Significant investments in the common stock of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold) 19.33

20 Mortgage servicing rights (amount above 10% threshold)21 Deferred tax assets arising from temporary differences (amount above 10% threshold, net of related tax liability) --22 Amount exceeding the 15% threshold23 of which: significant investments in the common stock of financial entities24 of which: Mortgage servicing rights25 of which: Deferred tax assets arising from temporary differences26 National specific regulatory adjustments26a of which: Investments in equity capital of the unconsolidated insurance subsidiaries entities26b of which: Investments in equity capital of the unconsolidated insurance non-financial subsidiaries26c of which: Shortfall in the equity capital of the majority owned financial entities which have not been consolidated with

the bank



26d of which: Unamortised pension funds expenditures27 Regulatory adjustments Applied to Common Equity Tier 1 due to insufficient Additional Tier 1 and Tier 2 to cover

deductions8.50

28 Total regulatory adjustments to Common equity Tier 1 ( 10% of CET 1 capital added back) 854.6429 Common Equity Tier 1 Capital (CET 1) 6,425.56

Additional Tier 1 capital : instruments30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (share premium) (31+32) 125.0031 of which: classified as equity under applicable accounting standards( Perpetual Non-Cumulative Preference Shares)32 of which: classified as liabilities under applicable accounting standards

(Perpetual debt Instruments) 125.00

33 Directly issued capital instruments subject to phase out from Additional Tier 134 Additional Tier 1 instruments (and CET 1 instruments not included in row 5) issued by subsidiaries and held by third

parties (amount allowed in group AT 1)35 of which: instruments issued by subsidiaries subject to phase out.36 Additional Tier 1 capital before regulatory adjustments 0.00

Additional Tier 1 capital :regulatory adjustments37 Investments in own Additional Tier 1 instruments38 Reciprocal cross-holdings in Additional Tier 1 instruments 8.5039 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory

consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)

40 Significant investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions) --

41 National specific regulatory adjustments (41a+41b)41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries41b Shortfall in the Additional Tier 1 capital of majority owned financial entities which have not been consolidated with the

bank42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2 to cover deductions43 Total regulatory adjustments to Additional Tier 1 capital 0.0044 Additional Tier 1 capital (AT1) 0.0045 Tier 1 capital (T1 = CET1 + AT1) (29 + 44) 6,425.56

Tier 2 capital: instruments and provisions46 Directly issued qualifying Tier 2 instruments plus related stock surplus 1,180.0047 Directly issued capital instruments subject to phase out from Tier 248 Tier 2 instruments (and CET1 and AT1 instruments not included in rows 5 or 34) issued by subsidiaries and held by

third parties (amount allowed in group Tier 2)49 of which: instruments issued by subsidiaries subject to phase out50 Provisions 482.5651 Tier 2 capital before regulatory adjustments 1,662.56

Tier 2 capital: regulatory adjustments52 Investments in own Tier 2 instruments53 Reciprocal cross-holdings in Tier 2 instruments54 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory

consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold)

-

55 Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions) -

56 National specific regulatory adjustments (56a+56b)56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries.56b of which: shortfall in the Tier 2 capital of majority owned financial entities which have not been consolidated with the

bank.57 Total regulatory adjustments to Tier 2 capital -58 Tier 2 capital (T2) 1,662.5659 Total capital (TC= T1 + T2) (45+58) 8,088.1260 Total risk weighted assets

(60a + 60b + 60c) 72,955.55

60a of which: total credit risk weighted assets 59,060.59



60b of which: total market risk weighted assets 7,770.8360c of which: total operational risk weighted assets 6,124.13

Capital ratios61 Common Equity Tier 1 (as a percentage of risk weighted assets) 8.81%62 Tier 1 (as a percentage of risk weighted assets) 8.81%63 Total capital (as a percentage of risk weighted assets) 11.09%64 Institution specific buffer requirement (minimum CET1 requirement plus capital conservation and countercyclical buffer

requirements, expressed as a percentage of risk weighted assets)65 of which: capital conservation buffer requirement 1.875%66 of which: bank specific countercyclical buffer requirement67 of which: G-SIB buffer requirement68 Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets) 3.31 %

National minima (if different from Basel III)69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 5.50 %70 National Tier 1 minimum ratio (if different from Basel III minimum) 7.00 %71 National total capital minimum ratio (if different from Basel III minimum) 9.00 %

Amounts below the thresholds for deduction (before risk weighting)72 Non-significant investments in the capital of other financial entities73 Significant investments in the common stock of financial entities74 Mortgage servicing rights (net of related tax liability) N.A.75 Deferred tax assets arising from temporary differences (net of related tax liability) N.A

Applicable caps on the inclusion of provisions in Tier 276 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to standardised approach (prior to application

of cap)77 Cap on inclusion of provisions in Tier 2 under standardised approach78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject to internal ratings-based approach (prior to

application of cap)79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach

Capital instruments subject to phase-out arrangements(only applicable between March 31, 2017 and March 31,2022)80 Current Cap on CET 1 instruments subject to phase out arrangements N.A.81 Amount Excluded from CET 1 due to cap (excess over cap after redemptions and maturities) N.A.82 Current cap on AT1 instruments subject to phase out arrangements N.A.83 Amount excluded from AT1 due to cap(excess over cap after redemptions and maturities) N.A.84 Current cap on T2 instruments subject to phase out arrangements N.A.85 Amount excluded from T2 due to cap (excess over cap after redemptions and maturities) N.A.

Notes to the Template

Row No of the template

Particular (Rs. In Crores)

10 Deferred tax assets associated with accumulated losses 0.00Deferred tax assets (excluding those associated with accumulated losses) net of Deferred tax liability 2,975.52Total as indicated in row 10 2,975.52

19 If investments in insurance subsidiaries are not deducted fully from capital and instead considered under 10% threshold for deduction, the resultant increase in the capital of bank

N.A

of which: Increase in Common Equity Tier 1 capital N.A.of which: Increase in Additional Tier 1 capital N.A.of which: Increase in Tier 2 capital N.A.

26b If investments in the equity capital of unconsolidated non-financial subsidiaries are not deducted and hence, risk weighted then:

N.A.

(i) Increase in Common Equity Tier 1 capital N.A.(ii) Increase in risk weighted assets N.A.

50 Eligible Provisions included in Tier 2 capital 482.56Eligible Revaluation Reserves included in Tier 2 capital 0.00Total of row 50 482.56



Table DF- 12: Composition of Capital – Reconciliation Requirements (Rs. in Crores)

Balance sheet as in financial

statements

Balance sheet under regulatory

scope of consolidation

As on reporting date


A Capital & Liabilitiesi. Paid-up Capital 2,259.05 NA

Reserves & Surplus 6,943.76 NAMinority InterestTotal Capital 9,202.81 NA

ii. Deposits 106,130.14 NAOf which: Deposits from banks 3,882.79 NAOf which: Customer deposits 102,247.35 NAOf which: Other deposits

iii. Borrowings 3,561.00 NAOf which: From RBI 800.00 NAOf which: From banks 0.00 NAOf which: From other institutions & agencies 0.00 NAOf which: Others 0.00 NAOf which: Capital instruments 2,761.00 NA

iv Other liabilities & provisions 1,965.85 NATotal Liabilities 120,859.80 NA

B Assetsi. Cash and balances with Reserve Bank of India 5,894.74 NA

Balance with banks and money at call and short notice 62.73 NAii. Investments: 37,609.55 NA

Of which: Government securities 29,679.33 NAOf which: other approved securities 0.00 NAOf which: Shares 250.97 NAOf which: Debentures & Bonds 4,013.26 NAOf which: Subsidiaries / Joint Ventures / Associates 19.33 NAOf which: others (commercial papers, mutual funds etc. 3,646.66 NA

iii. Loans and advances 65581.51 NAOf which: Loan and advances to banks 598.66 NAOf which: Loan and advances to customers 64,982.85 NA

iv. Fixed assets 1,557.34 NAv. Other assets 10,153.93 NA

Of which: Goodwill and intangible assets 9.86 NAOf which: Deferred tax assets 2,975.52 NA

vi. Goodwill on consolidationvii. Debit balance in Profit & Loss account NA

Total Assets 120859.80 NA

Step – 2 (Rs. in Crores)

Balance sheet as in financial

statements

Balance sheet under regulatory

scope of consolidation



A Capital & Liabilitiesi. Paid – up Capital 2,259.05 NA

Of which: Amount eligible for CET 1 2,259.05 NAOf which: Amount eligible for AT1 0 NA

Reserves & Surplus* 6,943.76 NAMinority Interest



Total Capital 9,202.81 NAii. Deposits 10,6130.14 NA

Of which: Deposits from banks 3,882.79 NAOf which: Customer deposits 10,2247.36 NAOf which: Other deposits

iii. Borrowings 3,561.00 NAOf which: From RBI 800.00 NAOf which: From banks 0.00 NAOf which: From other institutions & agencies 0.00 NAOf which: others 0.00 NAOf which: Capital instruments 2,761.00 NA

iv. Other liabilities & provisions 1,965.85 NAOf which: DTLs related to goodwillOf which: DTLs related to intangible assets

Total Liabilities 120,859.80 NAB Assets

i. Cash and balances with Reserve Bank of India 5,894.74 NABalance with banks and money at call and short notice 62.73 NA

ii. Investments: 37,609.55 NAOf which: Government securities 29,679.33 NAOf which: other approved securities 0.00 NAOf which: Shares 250.97 NAOf which: Debentures & Bonds 4,013.26 NAOf which: Subsidiaries / Joint Ventures / Associates 19.33 NAOf which: others (commercial papers, mutual funds etc. 3,646.66 NA

iii. Loans and advances 6,5581.51 NAOf which: Loan and advances to banks 598.66 NAOf which: Loan and advances to customers 64,982.85 NA

iv. Fixed assets 1557.34 NAv. Other assets 10,153.93 NA

Of which: Goodwill and intangible assetsOut of which: 9.86 NA

GoodwillOther intangibles (excluding MSRs)Deferred tax assets 2,975.52 NA

vi. Goodwill on consolidationvii. Debit balance in Profit & Loss account

Total Assets 120,859.80 NA*The loss figure of ` 1923.15 cr , has been reduced from reserves & surplus, thus total liabilities and total assets tallied with balance sheet figures.

Extract of Basel III common disclosure template (with added column)- Table DF -11 (Part II)Common Equity Tier 1 capital: instruments and reserves

Component of regulatory capital reported by bank(Rs. in Crores)

Source based on reference numbers/

letters of the balance sheet under the

regulatory scope of consolidation from

step 21 Directly issued qualifying common share (and equivalent for non-joint stock companies)

capital plus related stock surplus 2,259.05 NA

2 Retained earnings -1,923.153 Accumulated other comprehensive income (and other reserves) 8,265.75 NA4 Directly issued capital subject to phase out from CET 1 (only applicable to non-joint stock

companies)5 Common share capital issued by subsidiaries and held by third parties(amount allowed in

group CET 1)6 Common Equity Tier 1 capital before regulatory adjustments 8,601.65 NA7 Prudential valuation adjustments8 Goodwill(net of related tax liability)



Table DF-14: Full Terms and Conditions of Regulatory Capital InstrumentsSeries IXFeatures of the IssueIssuer Dena BankIssue Size Rs. 100 crores + Green ShoeNature of Instrument Unsecured Non-Convertible Redeemable Subordinated Bonds Lower Tier II Series IX in the nature of Promissory

NotesMode of Placement Private PlacementTenor 122 monthsPut Option NoneCall Option NoneCoupon Rate The bond will bear the interest rate of 9.25% per annum (payable Annually) till the end of 122 months from the

deemed date of allotment.Face Value of the Bond Rs.10 lakhs per BondCoupon Payable Annually on 31st March every year.Date of Opening 14th March, 2008Date of Closing 19th March, 2008Deemed date of allotment 25th March, 2008Redemption 122 months after deemed date of allotment

The issue of Rs.100 crores was oversubscribed by Rs.6.00 crores aggregating to Rs.106 crores.

Series XSummary Term SheetIssuer Dena BankInstrument Unsecured Redeemable Non-Convertible Subordinated Bonds (Normal Tier II) in the nature of Promissory NotesIssue Size Rs. 300 crores including green shoe optionMinimum Application 1 Bond and in multiples of 1 Bond thereafterTenure 10 year 7 months Normal Tier 2Credit Rating 'AA-' by CRISILCoupon Rate (% p.a) * 11.20% p.a.Interest Payment Annually on 31st MarchRedemption / Maturity At par at the end of 10th year 7 months from the Deemed Date of AllotmentPut & Call No Put and call optionFace Value Rs.10,00,000/- per BondIssue Price At par (i.e. Rs.10,00,000/- per Bond )Instrument Form In Dematerialised Form onlyTrading Demat Mode onlyDepository The Bank will enter into a tripartite agreement with NSDL and CDSL for dematerialization of bonds and will be

opening the accounts with NSDL and CDSLSecurity Un-securedSettlement by Way of Cheque (Normal / High Value) / RTGS / Funds TransferIssue opens on September 29th, 2008Issue closes on September 30th, 2008Pay In Date On the date of applicationDeemed Date of Allotment September 30th, 2008Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Limited (NSE)Trustee IDBI Trusteeship Services Limited has been appointed by the Bank to act as Trustees for and on behalf of the

holder(s) of the Bonds.Interest on Application Money * At the coupon rate (i.e.@ 11.20%p.a.) from the date of realization of cheque(s)/demand draft(s) up to one day

prior to the Deemed Date of Allotment.Series XISummary Term SheetIssuer Dena BankInstrument Unsecured Redeemable Non-Convertible Subordinated Bonds (Lower Tier II) in the nature of Promissory NotesIssue Size Rs. 200 croresMinimum Application 1 Bond and in multiples of 1 Bond thereafterTenure 120 months Lower Tier 2



Credit Rating 'AA-' Stable by CRISIL 'AA-' by CARECoupon Rate (% p.a) * 9.50% p.a.Interest Payment Annually from Deemed Date of AllotmentRedemption / Maturity At par at the end of 120 months from the Deemed Date of AllotmentPut & Call No Put and call optionFace Value Rs.10,00,000/- per BondIssue Price At par (i.e. Rs.10,00,000/- per Bond )Instrument Form In Dematerialised Form onlyTrading Demat Mode onlyDepository The Bank will enter into a tripartite agreement with NSDL and CDSL for dematerialization of bonds and will be

opening the accounts with NSDL and CDSLSecurity Un-securedSettlement by Way of Cheque (Normal / High Value) / RTGS / Funds TransferIssue opens on January 27, 2009Issue closes on January 27, 2009Pay In Date On the date of applicationDeemed Date of Allotment January 29, 2009Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Limited (NSE)Trustee IDBI Trusteeship Services Limited has been appointed by the Bank to act as Trustees for and on behalf of the

holder(s) of the Bonds.Interest on Application Money At the coupon rate (i.e.@ 9.50%p.a.) from the date of realization of cheque(s) / demand draft(s) upto one day prior

to the Deemed Date of Allotment.Series XIISummary Term SheetIssuer Dena BankIssue Size Rs. 500 crore with a green shoe option to retain additional subscription of Rs.350 crore.Issue Objects Augmenting Tier II Capital for strengthening the Capital Adequacy and enhancing long term resources of the

Bank.Instrument Unsecured Redeemable Non-Convertible Subordinated Lower Tier II Bonds (Series – XII) in the nature of

Promissory Notes ("Bonds")Nomenclature Dena Bank Lower Tier II Bonds Series XIIIssuance / Trading In Dematerialised FormCredit Rating "CRISIL AA+ / Stable" by CRISIL and "CRISIL AA+" by CARESecurity UnsecuredFace Value Rs.10,00,000/- per BondIssue Price At par (i.e. Rs.10,00,000/- per Bond )Redemption Price At par (i.e. Rs.10,00,000/- per Bond )Minimum Subscription 5 Bonds and in multiples of 1 Bond thereafterTenure 15 Years (180 months)Put Option NoneCall Option Call option may be exercised by the Bank after the instrument has run for at least 10 years and such call option may

be exercised by the Bank only with the prior approval of RBI (Department of Banking Operations & Development)Redemption / Maturity At par at the end of 15 Years (180 months) from the Deemed Date of Allotment (with prior approval from RBI). The

Bonds shall be free of restrictive clauses and not redeemable at the initiative of the holder or without the consent of the RBI

Coupon / Interest Rate 9.23% p.a.Interest Payment AnnualInterest Payment Date On April 01, every year.Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Limited (NSE)Trustee AllBank Finance Ltd.Depository National Securities Depository Ltd. and Central Depository Services (India) Ltd.Record Date 15 days (or any such period as may be SEBI / Stock Exchange / any other concerned regulatory authority) prior

to each interest payment date, call option due date and redemption dateRegistrars Sharepro Services (India) Pvt. Ltd.Bankers to the Issue Dena Bank, Capital Market Branch, MumbaiInterest on Application Money At the coupon rate (i.e.@ 9.23%p.a.) from the date of realization of application money through RTGS upto one

day prior to the Deemed Date of Allotment.



Settlement Payment of interest and repayment of principal shall be made by cheque(s)/redemption warrants(s) / demand draft(s) / credit through electronic mode (NEFT /RTGS)

Mode of Subscription Electronic transfer of funds through RTGS mechanism for credit in the Account of " Dena Bank ", Account No. "111511023771", Branch: " Capital Market Branch", IFSC Code:"BKDNO401115"

Issue Opening Date ^ 18th June , 2012Issue Closing Date^ 22nd June , 2012Pay In Date ^ 18th June , 2012 to 22nd June , 2012Deemed Date of Allotment ^ 25th June , 2012

^ The Bank reserves its sole and absolute right to modify (pre-pone / postpone) the issue opening / closing / pay-in date(s) without giving any reasons or prior notice. In such a case, investors shall be intimated about the revised time schedule by the Bank. The Bank also reserves the right to keep multiple Deemed Date(s) of Allotment at its sole and absolute discretion without any notice.

Series XIII Tier II BondsTERM SHEET: ISSUE DETAIlSIssuer DENA BANK (the “Bank”/ the “Issuer”)Type of Instrument Unsecured

Instrument Non-Convertible Redeemable Unsecured Basel III compliant Tier 2 Bonds (Series XIII) in the nature of Debentures (“Bonds”)

Convertibility Non-ConvertibleBond Series XIIISecurity Name Dena Bank Tier II Bonds Issue Series XIII

Nature and status of Bonds

Claims of the Bondholders shall be (i) senior to the claims of investors in instruments eligible for inclusion in Tier 1 capital (ii) subordinate to the claims of all depositors and general creditors of the Bank and (iii) the Bonds shall neither be secured nor covered by a guarantee of the Issuer or its related entity or other arrangement that legally or economically enhances the seniority of the claim vis-à-vis creditors of the Bank

Objects of the IssueAugmenting Tier 2 Capital and overall capital of the Bank for strengthening its capital adequacy and for enhancing its long-term resources

Details of the utilization of theProceeds The proceeds of the issue would be utilized to meet the object of the issue.

Mode of Issue Private PlacementListing ( including name of stock Exchange(s) where it will be listed and timeline for listing)

Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Ltd. (‘NSE’)

Issue Size 780 CroresOption to retain oversubscription Not Applicable

Credit Rating “CARE AA+” (Pronounced Double A Plus) by CARECoupon Rate 9.86%Coupon Payment Frequency AnnualCoupon Type Fixed

Coupon payment dates The coupon/ interest payment date shall be the date of allotment i.e 26th February of every financial year. The last interest payment shall be made on the Redemption Date.

Coupon Reset Process (including rates, spread, effective date, interest rate cap and floor etc).

Not Applicable

Day Count Basis Actual/ Actual (as per SEBI Circular no CIR/IMD/DF/18/2013 dated 29th Oct 2013)Step Up/Step Down Coupon Rate Not Applicable

Interest on Application Money

Interest at the respective coupon rate (subject to deduction of Income Tax under the Provisions of the Income Tax Act 1961, or any Statutory modification or reenactment as applicable) will be paid to all the applicants on the Application Money for the Bonds. Such interest shall be paid from the date of realization of cheque (s)/Demand Draft (s) and in case of RTGS/other means of electronic transfer interest shall be paid from the date of receipt of funds to one day prior to the Deemed Date of Allotment.The interest on Application Money will be computed as per Actual/Actual Day count convention. Such interest would be paid on all the valid applications including the refunds. Where the entire subscription amount has been refunded, the interest on Application Money will be paid along with the refund orders. Where an applicant is allotted lesser number of bonds than applied for, the excess amount paid on application will be refunded to the applicant along with the interest on refunded money. Income Tax at Source (TDS) will be deducted at the applicable rate on interest on Application Money.



Default Interest Rate Not Applicable

Loss Absorbency

The Bonds shall be subjected to loss absorbency features applicable for non-equity capital instruments vide RBI Master Circular No. DBOD.No.BP.BC.2 /21.06.201/2013-14 dated July 01, 2013 on Basel III capital regulations covering criteria for inclusion of debt capital instruments as Tier 2 capital (Annex 5) and minimum requirements to ensure loss absorbency of additional Tier 1 instruments at pre-specified trigger and of all non-equity regulatory capital instruments at the Point of Non-viability (“PONV”) (Annex 16).Accordingly, the Bonds may at the option of the RBI either be permanently written off or temporarily written off on the occurrence of the trigger event called the Point of Non Viability. PONV trigger event shall be as defined in the aforesaid RBI Circular and shall be determined by the RBI.

Treatment in Bankruptcy/ Liquidation

The Bondholders shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation

PONV Trigger

The Bonds, at the option of the Reserve Bank of India, can be temporarily written down or permanently written off upon occurrence of the trigger event, called the ‘Point of Non-Viability Trigger (“PONV Trigger”). The PONV Trigger event is the earlier of:a. A decision that a temporary/ permanent write off is necessary without which the Bank would become non viable, as determined by the RBI; andb. The decision to make a public sector injection of capital, or equivalent support, without which the Bank would have become non viable, as determined by the relevant authority. The write-off consequent upon the trigger event shall occur prior to any public sector injection of capital so that the capital provided by the public sector is not diluted. For this purpose, a non-viable bank will be:A bank which, owing to its financial and other difficulties, may no longer remain a going concern on its own in the opinion of the Reserve Bank of India unless appropriate measures are taken to revive its operations and thus, enable it to continue as a going concern. The difficulties faced by a bank should be such that these are likely to result in financial losses and raising the Common Equity Tier 1 capital of the bank should be considered as the most appropriate way to prevent the bank from turning non-viable. Such measures would include temporary and/or permanent write-off in combination with or without other measures as considered appropriate by the Reserve Bank of India.A bank facing financial difficulties and approaching a PONV shall be deemed to achieve viability if within a reasonable time in the opinion of RBI; it will be able to come out of the present difficulties if appropriate measures are taken to revive it. The measures including temporary/ permanent write-off/ public sector injection of funds are likely to:a. Restore confidence of the depositors/ investors;b. Improve rating/ creditworthiness of the bank and thereby improving its borrowing capacity and liquidity and reduce cost of funds; andc. Augment the resource base to fund balance sheet growth in the case of fresh injection of funds.

Tenor 10 Years from the Deemed Date of AllotmentRedemption / Maturity Date(s) 26/02/2024Redemption Amount At par Rs.10,00,000/- (Rupees Ten Lakhs) per Bond.Redemption Premium /Discount Not ApplicableFace Value Rs. 10,00,000/- (Rupees Ten Lakhs) per Bond.Premium/ Discount on issue Not ApplicableIssue Price At par Rs.10,00,000/- (Rupees Ten Lakhs) per Bond.Minimum Application and in multiples of Debt securities thereafter

1 Bond and in multiples of 1 Bond thereafter

Issuance mode of the Instrument Demat only

Trading mode of the Instrument Demat onlyDiscount at which security is issued and the effective yield as a result of such discount.

Not Applicable

Put option Date Not ApplicablePut option Price Not ApplicableCall Option Date Not ApplicableCall Option Price Not ApplicablePut Notification Time Not ApplicableCall Notification Time Not ApplicableLock-in-Period Not Applicable

Basis of Allotment (if any) The issuer reserves the right to reject any/all applications fully or partially at its sole discretion, without assigning any reason whatsoever.



Business Day Convention

Business Day’ shall be a day on which commercial banks are open for business in the city of Mumbai.1. If any interest payment date falls on a day which is not a Business Day (‘Business Day’ being a day on which Commercial Banks are open for business in the city of Mumbai), then the payment of interest will be made on the next day i.e. a Business Day with interest for the intervening period.2. In case if the principal redemption date falls on a day which is not a Business Day (‘Business Day’ being a day on which Commercial Banks are open for Business in Mumbai), then the payment due shall be made on previous working day.Payment of interest and/or principal amount shall be without liability for making payment of interest for the delayed period.

Record Date

Reference date for payment of interest/ repayment of principal which shall be the date falling 15 days prior to the relevant Interest Payment Date on which interest or the Redemption/ Maturity Date on which the Maturity Amount is due and payable. In the event the Record Date falls on a day which is not a business day, the next business day will be considered as the Record Date.

Settlement mode of the Instrument

Payment of interest and repayment of principal shall be made by way of credit through direct credit/ NECS/ RTGS/ NEFT mechanism.

Depository National Securities Depository Limited (NSDL)and Central Depository Services (India) Limited (CDSL)Security (where applicable) The Bonds are unsecured in nature.

Transaction Documents

The Issuer has executed/shall execute the documents including but not limited to the following in connection with the issue:1. Letter appointing Trustees to the Bond Holders.2. Bond/Debenture Trusteeship agreement;3. Rating agreement with CARE Limited;4.Tripartite agreement between the Issuer, Registrar and NSDL for issue of Bonds in dematerialized form;5.Tripartite agreement between the Issuer, Registrar and CDSL for issue of Bonds in dematerialized form;6. Letter appointing Registrar and agreement entered into between the Issuer and the Registrar.7. Letter appointing Arranger(s) to the issue.8. Listing Agreement with NSE.

Conditions precedent to subscription of Bonds

The subscription from investors shall be accepted for allocation and allotment by the Issuer subject to the following:1. Rating letter(s) from the aforesaid rating agencies not being more than one month old from the issue opening date;2. Letter from the Trustees conveying their consent to act as Trustees for the Bondholder(s);3. Letter to NSE for seeking its In-principle approval for listing and trading of Bonds.

Conditions subsequent to subscription of Bonds

The Issuer shall ensure that the following documents are executed/ activities are completed as per time frame mentioned elsewhere in this Disclosure Document:1. Credit of demat account(s) of the allottee(s) by number of Bonds allotted within 2 working days from the Deemed Date of Allotment;2. Making listing application to NSE within 15 days from the Deemed Date of Allotment of Bonds and seeking listing permission within 20 days from the Deemed Date of Allotment of Bonds in pursuance of SEBI Debt Regulations; In terms of sub-section (1) of Section 73 of the Companies Act, 1956 (1 of 1956).3. Neither the Bank nor any related party over which the Bank exercises control or significant influence (as defined under relevant Accounting Standards) shall purchase the Bonds, nor would the Bank directly or indirectly fund the purchase of the Bonds. The Bank shall also not grant advances against the security of the Bonds issued by it.4. Besides, the Issuer shall perform all activities, whether mandatory or otherwise, as mentioned elsewhere in this Disclosure Document.

Additional Covenants

Delay in listing: The Issuer shall complete all formalities and seek listing permission within 15 days from the Deemed Date of Allotment. In the event of delay in listing of Bonds beyond 20 days from the Deemed Date of Allotment, the Issuer shall pay penal interest of 1.00% per annum over the Coupon Rate from the expiry of 30 days from the Deemed Date of Allotment till the listing of Bonds to the Bondholder(s).Refusal of listing: If listing permission is refused before the expiry of the 20 days from the Deemed Date of Allotment, the Issuer shall forthwith repay all monies received from the applicants in pursuance of the Disclosure Document along with penal interest of 1.00% per annum over the Coupon Rate from the expiry of 20 days from the Deemed Date of Allotment. If such monies are not repaid within 8 days after the Issuer becomes liable to repay it (i.e. from the date of refusal or 20 days from the Deemed Date of Allotment, whichever is earlier), then the Issuer and every director of the Issuer who is an officer in default shall, on and from the expiry of 8 days, will be jointly and severally liable to repay the money, with interest at the rate of 15 per cent per annum on application money, as prescribed under Section 73 of the Companies Act, 1956.

Cross Default Not Applicable



Role and Responsibilities ofDebenture Trustee

The Trustees shall perform its duties and obligations and exercise its rights and discretions, in keeping with the trust reposed in the Trustees by the holder(s) of the Bonds and shall further conduct itself, and comply with the provisions of all applicable laws, provided that, the provisions of Section 20 of the Indian Trusts Act, 1882, shall not be applicable to the Trustees. The Trustees shall carry out its duties and perform its functions as required to discharge its obligations under the terms of SEBI Debt Regulations, the Securities and Exchange Board of India (Debenture Trustees) Regulations, 1993, the Debenture Trusteeship Agreement, Disclosure Document and all other related transaction documents, with due care, diligence and loyalty.The Trustees shall be vested with the requisite powers for protecting the interest of holder(s) of the Bonds including but not limited to the right to appoint a nominee director on the Board of the Issuer in consultation with institutional holders of such Bonds. The Trustees shall ensure disclosure of all material events on an ongoing basis.The Issuer shall, till the redemption of Bonds, submit its latest audited/ limited review half yearly consolidated (wherever available) and standalone financial information such as Statement of Profit & Loss, Balance Sheet and Cash Flow Statement and auditor qualifications, if any, to the Trustees within the timelines as mentioned in Simplified Listing Agreement issued by SEBI vide circular No. SEBI/IMD/BOND/1/2009/11/05 dated May 11, 2009 as amended. Besides, the Issuer shall within 180 days from the end of the financial year, submit a copy of the latest annual report to the Trustees and the Trustees shall be obliged to share the details so submitted with all ‘Qualified Institutional Buyers’ (QIBs) within two working days of their specific request.

Governing Law and Jurisdiction The Bonds are governed by and shall be construed in accordance with the existing laws of India. Any dispute arising thereof shall be subject to the jurisdiction of District Courts of Mumbai, Maharashtra.

Applicable RBI Guidelines

The present issue of Bonds is being made in pursuance of Master Circular No. DBOD.No.BP.BC.2 /21.06.201/2013-14 dated July 01, 2013 issued by the Reserve Bank of India on Basel III capital regulations covering criteria for inclusion of debt capital instruments as Tier 2 capital (Annex 5) and minimum requirements to ensure loss absorbency of additional Tier 1 instruments at pre-specified trigger and of all non-equity regulatory capital instruments at the PONV (Annex 16).

Prohibition on Purchase/ Funding of Bonds

Neither the Bank nor a related party over which the Bank exercises control or significant influence (as defined under relevant Accounting Standards) shall purchase the Bonds, nor shall the Bank directly or indirectly fund the purchase of the Bonds. The Bank shall also not grant advances against the security of the Bonds issued by it.

Trustees M/s. All Bank Finance Limited.Registrar M/s. Sharepro Services (India) Pvt. Ltd.

Eligible Investors

Mutual Funds, Public Financial Institutions as defined in section 2 (72) of the Companies Act, 2013, Scheduled Commercial Banks, Insurance Companies, Foreign Institutional Investors (subject to compliance with the SEBI/ RBI norms), Provident Funds, Gratuity Funds, Superannuation Funds and Pension Funds, Cooperative Banks, Regional Rural Banks authorized to invest in bonds/ debentures, Companies and Bodies Corporate authorized to invest in bonds/ debentures, Societies authorized to invest in bonds/ debentures, Trusts authorized to invest in bonds/ debentures, Statutory Corporations/ Undertakings established by Central/ State legislature authorized to invest in bonds/ debentures, Resident Individual Investors. etc.

Non- Eligible classes of investors

Qualified Foreign Investors, Foreign Nationals, Persons resident outside India, Venture Capital Funds, Alternative Investment Funds, Overseas Corporate Bodies, Partnership firms formed under applicable laws in India in the name of the partners, Hindu Undivided Families through Karta, Person ineligible to contract under applicable statutory/ regulatory requirements etc.

Payment Mode

The remittance of application money can be made through Electronic transfer of funds through RTGS mechanism for credit as per details given hereunder:

Collection Banker: DENA BANKBeneficiary A/c Name: Dena Bank Tier II Bonds Issue Series XIIIBeneficiary A/c Number: 111511023905IFSC Code: BKDN0401115Bank Branch Name & Address: CAPITAL MARKET BRANCH, DENA BANK BLDG.17, HORNIMAN CIRCLE, FORT, MUMBAI-400 023Narration: Application Money

Bond Series XIVTerms of Present PlacementSecurity Name Dena Bank Basel III Compliant Tier II Bonds Issue Series XIVIssuer DENA BANK (the “Bank”/ the “Issuer”)Issue Size Rs. 400 Crores [Rs. Four Hundred Crore]Bond Series XIVType of Instrument Unsecured, Non-Convertible, Taxable, Redeemable Basel III Compliant Tier 2 Bonds (Series XIV) for inclusion in

Tier II Capital in the nature of Debentures (“Bonds”).Convertibility Non-Convertible



Objects of the Issue Augmenting Tier 2 Capital and overall capital of the Bank for strengthening its capital adequacy and for enhancing its long-term resources.

Details of the utilization of the Proceeds

The proceeds of the issue would be utilized to meet the object of the issue.

Nature and status of Bonds The Bonds are neither secured nor covered by a guarantee of the Issuer nor related entity or other arrangement that legally or economically enhances the seniority of the claim of the holders of the Bonds (the “Bondholders”) vis- à-vis other creditors of the Issuer.Bondholders will not be entitled to receive notice of or attend or vote at any meeting of shareholders of the Issuer or participate in the management of the Issuer.

Seniority of Instrument/Claim The claims of the Bondholders in respect of Bonds, shall be : i. senior to claims of investors in instruments eligible for inclusion in Tier 1 capital; ii. subordinate to the claims of all depositors and general creditors of the bank ; and iii. neither secured nor covered by a guarantee of the issuer or related entity or other arrangement that legally

or economically enhances the seniority of claims vis-à-vis bank creditors.The Bondholder shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation.The claims of bondholders shall be subject to provisions mentioned in the "Point of Non viability" (PONV) in the term sheet.

Mode of Issue Private PlacementListing (including name of stock Exchange(s) where it will be listed and timeline for listing)

Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Ltd. (‘NSE’)

Option to retain oversubscription Not Applicable

Credit Rating “CARE AA-” (Pronounced Double A Minus) by CARESecurity The Bonds are unsecured in nature.Coupon Rate 8.76%Coupon Payment Frequency AnnualCoupon Type FixedCoupon payment dates The coupon/ interest payment date shall be the date of allotment i.e 20th September every financial year till

maturity/redemption/ call option and subject to ”PONV” mentioned below..Coupon Reset Process (including rates, spread, effective date, interest rate cap and floor etc).

Not Applicable

Settlement mode of the Instrument

Payment of interest and repayment of principal shall be made by way of credit through direct credit/ NECS/ RTGS/ NEFT mechanism.

Step Up/Step Down Coupon Rate Not Applicable

Day Count Basis /computation of Interest Actual/ Actual (as per SEBI Circular no CIR/IMD/DF/18/2013 dated 29th Oct 2013)

Interest on Application Money* Interest at the respective coupon rate (subject to deduction of Income Tax under the Provisions of the Income Tax Act 1961, or any Statutory modification or reenactment as applicable) will be paid to all the applicants on the Application Money for the Bonds. Such interest shall be paid from the date of realization of cheque (s)/Demand Draft (s) and in case of RTGS/other means of electronic transfer interest shall be paid from the date of receipt of funds to one day prior to the Deemed Date of Allotment.The interest on Application Money will be computed as per Actual/Actual Day count convention. Such interest would be paid on all the valid applications including the refunds. Where the entire subscription amount has been refunded, the interest on Application Money will be paid along with the refund orders. Where an applicant is allotted lesser number of bonds than applied for, the excess amount paid on application will be refunded to the applicant along with the interest on refunded money. Income Tax at Source (TDS) will be deducted at the applicable rate on interest on Application Money.

Default Interest Rate Not ApplicableLoss Absorbency The Bonds shall be subjected to loss absorbency features applicable for non-equity capital instruments vide RBI

Master Circular No. DBOD.No.BP.BC.1 /21.06.201/2015-16 dated July 01, 2015 on Basel III capital regulations covering criteria for inclusion of debt capital instruments as Tier 2 capital (Annex 5) and minimum requirements to ensure loss absorbency of additional Tier 1 instruments at pre-specified trigger and of all non-equity regulatory capital instruments at the Point of Non-viability (“PONV”) (Annex 16).Accordingly, the Bonds may at the option of the RBI be written off upon the occurrence of the trigger event called the ‘Point of Non Viability’ (PONV). PONV trigger event shall be as defined in the aforesaid RBI Circular and shall be determined by the RBI.



b) Loss Absorption at Point of Non-Viability (PONV)

1. If a PONV Trigger Event (as described below) occurs, the Issuer shall:(i) notify the Trustee;(ii) cancel any coupon which is accrued and unpaid on the Bonds as on the write-off date; and(iii) Without the need for the consent of Bondholders or the Trustee, write-off of the outstanding principal of

the Bonds by such amount as may be prescribed by RBI (“PONV Write off Amount”) and as is otherwise required by the RBI at the relevant time.

A write-off may occur on more than one occasion. Once the principal of the Bonds have been written off pursuant to PONV Trigger Event, the PONV Write-off

Amount will not be restored in any circumstances, including where the PONV Trigger Event has ceased to continue.

2. Write off for PONV means full and permanent write off.3. These instruments, at the option of the Reserve Bank of India will be written off upon the occurrence of the

trigger event, called the ‘Point of Non-Viability (PONV) Trigger’ stipulated below:(i) The PONV Trigger event is the earlier of:

a. a decision that full permanent write-off, without which the Bank would become non-viable, is necessary, as determined by the Reserve Bank of India; and

b. the decision to make a public sector injection of capital, or equivalent support, without which the Bank would become non-viable, as determined by the relevant authority.

The Write-off of any Common Equity Tier 1 capital will not be required before the write-off of these instruments.

(ii) Such a decision would invariably imply that the write-off consequent upon the trigger event must occur prior to any public sector injection of capital so that the capital provided by the public sector is not diluted.

(iv) No compensation will be paid to these Instrument holders in case of full and permanent write-off.4. For the purpose of the above, a non-viable bank will be: A bank which, owing to its financial and other difficulties, may no longer remain a going concern on its own

in the opinion of the Reserve Bank unless appropriate measures are taken to revive its operations and thus, enable it to continue as a going concern. The difficulties faced by a bank should be such that these are likely to result in financial losses and raising the Common Equity Tier 1 capital of the bank should be considered as the most appropriate way to prevent the bank from turning non-viable. Such measures would include write-off in combination with or without other measures as considered appropriate by the Reserve Bank.

5. Bank facing financial difficulties and approaching PONV will be deemed to achieve viability if within a reasonable time in the opinion of Reserve Bank, it will be able to come out of the present difficulties if appropriate measures are taken to revive it. The measures including augmentation of equity capital through write-off /public sector injection of funds are likely to:

(a) Restore depositors’/investors’ confidence;(b) Improve rating /creditworthiness of the bank and thereby improve its borrowing capacity and liquidity and

reduce cost of funds; and(c) Augment the resource base to fund balance sheet growth in the case of fresh injection of funds.6. The amount of non-equity capital to be written-off will be determined by RBI.7. When Bank breaches the PONV trigger and the equity is replenished through write-off, such replenished

amount of equity will be excluded from the total equity of the bank for the purpose of determining the proportion of earnings to be paid out as dividend in terms of rules laid down for maintaining capital conservation buffer. However, once the bank has attained total Common Equity ratio of 8% without counting the replenished equity capital, that point onwards, the bank may include the replenished equity capital for all purposes.

8. Criteria to Determine the PONV When the bank is adjudged by Reserve Bank of India to be approaching the PONV trigger event, or has

already reached the PONV, but in the views of RBI:a) there is a possibility that a timely intervention in form of capital support, with or without other supporting

interventions, is likely to rescue the bank; andb) if left unattended, the weaknesses would inflict financial losses on the bank and, thus, cause decline in its

common equity level.9. The purpose of write-off of these Instruments will be to shore up the capital level of the Bank. RBI would follow a two-stage approach to determine the non-viability of Bank as under: The Stage 1 assessment would consist of purely objective and quantifiable criteria to indicate that there is

a prima facie case of a bank approaching non-viability and, therefore, a closer examination of the bank’s financial situation is warranted.

The Stage 2 assessment would consist of supplementary subjective criteria which, in conjunction with the Stage 1 information, would help in determining whether the bank is about to become non-viable. These criteria would be evaluated together and not in isolation.



10. Once the PONV is confirmed, the next step would be to decide whether rescue of the bank would be through write-off alone or write-off in conjunction with a public sector injection of funds.11. The trigger at PONV will be evaluated both at consolidated and solo level and breach at either level will

trigger write-off.12. As the capital adequacy is applicable both at solo and consolidated levels, the minority interests in respect

of capital instruments issued by subsidiaries of banks including overseas subsidiaries can be included in the consolidated capital of the banking group only if these instruments have pre-specified triggers (in case of AT1 capital instruments) / loss absorbency at the PONV (for all non-common equity capital instruments). In addition, where a bank wishes the instrument issued by its subsidiary to be included in the consolidated group’s capital in addition to its solo capital, the terms and conditions of that instrument must specify an additional trigger event.

This additional trigger event is the earlier of:(1) a decision that a write-off, without which the Bank or the subsidiary would become non-viable, is necessary,

as determined by the Reserve Bank of India; and(2) the decision to make a public sector injection of capital, or equivalent support, without which the Bank or the

subsidiary would become non-viable, as determined by the Reserve Bank of India. Such a decision would invariably imply that the write-off consequent upon the trigger event must occur prior to any public sector injection of capital so that the capital provided by the public sector is not diluted.

13. In such cases, the subsidiary would obtain its regulator’s approval/no-objection for allowing the capital instrument to be written-off at the additional trigger point referred to in paragraph above.

14. If Bank goes into liquidation before these Bonds have been written-off, these instruments will absorb losses in accordance with the order of seniority indicated in clause 8 of this term sheet and as per usual legal provisions governing priority of charges.

15. If Bank goes into liquidation after these Bonds instruments have been written-off, the holders of these instruments will have no claim on the proceeds of liquidation.

(a) Amalgamation of a banking company: (Section 44 A of BR Act, 1949)16. If Bank is amalgamated with any other bank before these Bonds have been written-off, these instruments

will become part of the corresponding categories of regulatory capital of the new bank emerging after the merger.

17. If Bank is amalgamated with any other bank after these instruments have been written-off permanently, these cannot be written-up by the amalgamated entity.

(b) Scheme of reconstitution or amalgamation of a banking company: (Section 45 of BR Act, 1949)18. If the relevant authorities decide to reconstitute Bank or amalgamate Bank with any other Bank under the

Section 45 of BR Act, 1949, such a Bank will be deemed as non-viable or approaching non-viability and both the pre-specified trigger and the trigger at the point of non-viability write off of these instruments will be activated. Accordingly, these instruments will be fully written-off permanently before amalgamation / reconstitution in accordance with these rules.

Decision to Write off The decision of write- off shall be exercised across all investors of this Instrument;Treatment in Bankruptcy/ Liquidation

The Bondholders shall have no rights to accelerate the repayment of future scheduled payments (coupon or principal) except in bankruptcy and liquidation

Tenor 10 Years from the Deemed Date of AllotmentRedemption / Maturity Date(s) 10 Years from the Deemed Date of AllotmentRedemption Amount At par Rs.10,00,000/- (Rupees Ten Lakhs) per Bond.Redemption Premium /Discount Not ApplicableFace Value Rs. 10,00,000/- (Rupees Ten Lakhs) per Bond.Issue Price At par Rs.10,00,000/- (Rupees Ten Lakhs) per Bond.Premium/ Discount on issue Not ApplicableDiscount at which security is issued and the effective yield as a result of such discount.

Not Applicable

Minimum Application and in multiples of Debt securities thereafter

10 Bonds and in multiple(s) of 1 Bond thereafter

Issuance mode of the Instrument Demat onlyTrading mode of the Instrument Demat onlyBasis of Allotment (if any) The issuer reserves the right to reject any/all applications fully or partially at its sole discretion, without assigning

any reason whatsoever.Put option No Put Option available.Call Option No Call Option available.Call Option Price Not ApplicableCall Notification Time Not ApplicableLock-in-Period Not Applicable



Record Date Reference date for payment of interest/ repayment of principal which shall be the date falling 15 days prior to the relevant Interest Payment Date on which interest or the Redemption/ Maturity Date on which the Maturity Amount is due and payable. In the event the Record Date falls on a day which is not a business day, the next business day will be considered as the Record Date.

Business Day Convention Business Day’ shall be a day on which commercial banks are open for business in the city of Mumbai.1. If any interest payment date falls on a day which is not a Business Day (‘Business Day’ being a day on which

Commercial Banks are open for business in the city of Mumbai), then the payment of interest will be made on the next day i.e. a Business Day with interest for the intervening period.

2. In case if the principal redemption date falls on a day which is not a Business Day (‘Business Day’ being a day on which Commercial Banks are open for Business in Mumbai), then the payment due shall be made on previous working day.

Payment of interest and/or principal amount shall be without liability for making payment of interest for the delayed period.

Transaction Documents The Issuer has executed/shall execute the documents including but not limited to the following in connection with the issue:1. Letter appointing Trustees to the Bond Holders.2. Bond/Debenture Trusteeship agreement;3. Bond/Debenture Trustee Deed;4. Rating agreement with CARE Limited;5. Tripartite agreement between the Issuer, Registrar and NSDL for issue of Bonds in dematerialized form;6. Tripartite agreement between the Issuer, Registrar and CDSL for issue of Bonds in dematerialized form;7. Letter appointing Registrar and agreement entered into between the Issuer and the Registrar;8. Listing Agreement with NSE;9. Disclosure Document dated 16-09-2016

Conditions precedent to subscription of Bonds

The subscription from investors shall be accepted for allocation and allotment by the Issuer subject to the following:1. Rating letter(s) from the aforesaid rating agencies not being more than one month old from the issue

opening date;2. Letter from the Trustees conveying their consent to act as Trustees for the Bondholder(s);3. Letter to NSE for seeking its In-principle approval for listing and trading of Bonds.

Conditions subsequent to subscription of Bonds

The Issuer shall ensure that the following documents are executed/ activities are completed as per time frame mentioned elsewhere in this Disclosure Document:1. Credit of demat account(s) of the allottee(s) by number of Bonds allotted within 2 working days from the

Deemed Date of Allotment;2. Making listing application to NSE within 15 days from the Deemed Date of Allotment of Bonds and seeking

listing permission within 20 days from the Deemed Date of Allotment of Bonds in pursuance of SEBI Debt Regulations;

3. Neither the Bank nor any related party over which the Bank exercises control or significant influence (as defined under relevant Accounting Standards) shall purchase the Bonds, nor would the Bank directly or indirectly fund the purchase of the Bonds. The Bank shall also not grant advances against the security of the Bonds issued by it.

4. Besides, the Issuer shall perform all activities, whether mandatory or otherwise, as mentioned elsewhere in this Disclosure Document.

Additional Covenants Delay in Listing: The Issuer shall complete all formalities and seek listing permission within 15 days from the Deemed Date of Allotment. In the event of delay in listing of Bonds beyond 20 days from the Deemed Date of Allotment, the Issuer shall pay, penal interest of 1.00% per annum over the Coupon Rate from the expiry of 30 days from the Deemed Date of Allotment till the listing of Bonds, to the Bondholder(s).Default in Payment: In case of default in payment of Interest and /or principal redemption on the due dates, additional interest of atleast @2% p.a. over the coupon rate will be payable by the Bank for the defaulting period.Refusal of Listing: If listing permission is refused before the expiry of the 20 days from the Deemed Date of Allotment, the Issuer shall forthwith repay all monies received from the applicants in pursuance of the Disclosure Document along with penal interest of 1.00% per annum over the Coupon Rate from the expiry of 20 days from the Deemed Date of Allotment. If such monies are not repaid within 8 days after the Issuer becomes liable to repay it (i.e. from the date of refusal or 20 days from the Deemed Date of Allotment, whichever is earlier), then the Issuer and every director of the Issuer who is an officer in default shall, on and from the expiry of 8 days, will be jointly and severally liable to repay the money, with interest at the rate of 15 per cent per annum on application money, as prescribed under Section 73 of the Companies Act, 1956.

Cross Default Not Applicable

Event of Default Default on the part of the Bank to forthwith satisfy all or any part of payments in relation to the Bonds when it becomes due (i.e. making payment of any instalment of interest or repayment of principal amount of the Bonds on the respective due dates) except in case of ”PONV” mentioned above or due to any regulatory requirements prescribed under Applicable RBI Regulations or by Government of India or by any Statutory Authority, shall constitute an Event of Default for the purpose of the Issue.



OTHER GENERAL TERMSEligible Investors 1. Mutual Funds;

2. Public Financial Institutions as defined in the Companies Act, 2013;3. Scheduled Commercial Banks;4. Insurance Companies;5. Foreign Institutional Investors (subject to compliance with the SEBI/ RBI norms);6. Provident Funds, Gratuity Funds, Superannuation Funds and Pension Funds;7. Cooperative Banks;8. Regional Rural Banks authorized to invest in bonds/ debentures;9. Companies and Bodies Corporate authorized to invest in bonds/ debentures;10. Limited Liability Partnership11. Societies authorized to invest in bonds/ debentures;12. Trusts authorized to invest in bonds/ debentures;13. Statutory Corporations/ Undertakings established by Central/ State legislature authorized to invest in bonds/

debentures;14. National Investment Fund set up by resolution no F. No 2/3/2005-DDII dated Nov 23, 2005 of the Government

of India published in Gazette of India.15. Insurance funds set up and managed by Army, Navy or Airforce of the Union of India.This issue is restricted only to the above class of investors. The potential investors are required to independently verify their eligibility to subscribe to the bonds on the basis of norms / guidelines / parameters laid by their respective regulatory body including but not limited to RBI, SEBI, IRDA, Government of India, Ministry of Finance, Ministry of Labour etc. and be guided by applicable RBI guidelines.

Non- Eligible classes of investors

Qualified Foreign Investors, Foreign Nationals, Persons resident outside India, Venture Capital Funds, Alternative Investment Funds, Overseas Corporate Bodies, Partnership firms formed under applicable laws in India in the name of the partners, Hindu Undivided Families through Karta, Person ineligible to contract under applicable statutory/ regulatory requirements etc.

Governing Law and Jurisdiction The Bonds are governed by and shall be construed in accordance with the existing laws of India. Any dispute arising thereof shall be subject to the jurisdiction of District Courts of Mumbai, Maharashtra.

Applicable RBI Guidelines The present issue of Bonds is being made in pursuance of Master Circular No. DBOD.No.BP.BC.1 /21.06.201/2015-16 dated July 01, 2015 issued by the Reserve Bank of India on Basel III capital regulations covering criteria for inclusion of debt capital instruments as Tier 2 capital (Annex 5) and minimum requirements to ensure loss absorbency of additional Tier 1 instruments at pre-specified trigger and of all non-equity regulatory capital instruments at the PONV (Annex 16) .

Prohibition on Purchase/ Funding of Bonds

Neither the Bank nor a related party over which the Bank exercises control or significant influence (as defined under relevant Accounting Standards) shall purchase the Bonds, nor shall the Bank directly or indirectly fund the purchase of the Bonds. The Bank shall also not grant advances against the security of the Bonds issued by it.

Reporting of Non-payment of Coupons

All instances of non-payment of coupon shall be notified by the Bank to the Chief General Managers-in-Charge of Department of Banking Regulations and Department of Banking Supervision of the Reserve Bank of India, Mumbai.

Trustees M/s. CENT BANK Financial Service LtdRole and Responsibilities ofTrustee

The Trustees shall perform its duties and obligations and exercise its rights and discretions, in keeping with the trust reposed in the Trustees by the holder(s) of the Bonds and shall further conduct itself, and comply with the provisions of all applicable laws, provided that, the provisions of Section 20 of the Indian Trusts Act, 1882, shall not be applicable to the Trustees. The Trustees shall carry out its duties and perform its functions as required to discharge its obligations under the terms of SEBI Debt Regulations, the Securities and Exchange Board of India (Debenture Trustees) Regulations, 1993, the Debenture Trusteeship Agreement, Disclosure Document and all other related transaction documents, with due care, diligence and loyalty.The Trustees shall be vested with the requisite powers for protecting the interest of holder(s) of the Bonds including but not limited to the right to appoint a nominee director on the Board of the Issuer in consultation with institutional holders of such Bonds. The Trustees shall ensure disclosure of all material events on an ongoing basis.The Issuer shall, till the redemption of Bonds, submit its latest audited/ limited review half yearly consolidated (wherever available) and standalone financial information such as Statement of Profit & Loss, Balance Sheet and Cash Flow Statement and auditor qualifications, if any, to the Trustees within the timelines as mentioned in Simplified Listing Agreement issued by SEBI vide circular No. SEBI/IMD/BOND/1/2009/11/05 dated May 11, 2009 as amended. Besides, the Issuer shall within 180 days from the end of the financial year, submit a copy of the latest annual report to the Trustees and the Trustees shall be obliged to share the details so submitted with all ‘Qualified Institutional Buyers’ (QIBs) within two working days of their specific request.

Depository National Securities Depository Limited (NSDL)and Central Depository Services (India) Limited (CDSL)Registrar M/s. Link Intime India Pvt Ltd.Regulatory guidelines The terms of the proposed issue are intended to be consistent with guidelines of RBI. Hence, in case of any doubt/

discrepancy, the applicable RBI guidelines will prevail.



Electronic book mechanism for issuance of debt securities on private placement basis

SEBI vide its circular No. CIR/IMD/DF1/48/2016 dated April 21, 2016 has made electronic book mechanism mandatory for all private placements of debt securities in primary market with an issue size of Rs.500 crores and above, inclusive of green shoe option, if any. However, the following issuers have an option to follow either electronic book mechanism or the existing mechanism:-a. issues with a single investor and where coupon rate are fixed. However arrangers acting as underwriters

shall not be considered as single investors.b. issues wherein the issue size is less than Rs. 500 crores, inclusive of green shoe option, if any.Since the present Issue is less than Rs. 500 crores , it will be through the existing mechanism.

Payment Mode The remittance of application money can be made throughElectronic transfer of funds through RTGS mechanism for credit as per details given hereunder:Collection Banker: DENA BANKBeneficiary A/c Name: Dena Bank Tier II Bonds Issue Series XIVBeneficiary A/c Number: 111511024166IFSC Code: BKDN0401115Bank Branch Name & Address: CAPITAL MARKET BRANCH, DENA BANK BLDG.17, HORNIMAN CIRCLE, FORT, MUMBAI-400 023Narration: Application Money

ISSUE SCHEDULE **:Issue opening date 20-09-2016Issue closing date 20-09-2016Pay in date 20-09-2016Deemed date of allotment 20-09-2016

* Subject to deduction of Tax at source as applicable.

** The Issuer reserves its sole and absolute right to modify (pre-pone/ postpone) the above issue schedule without giving any reasons or prior notice. In such a case, investors shall be intimated about the revised time schedule by the Issuer. The Issuer also reserves the right to keep multiple Deemed Date(s) of Allotment at its sole and absolute discretion without any notice. In case if the Issue Closing Date/ Pay in Date is/are changed (pre-poned/ postponed), the Deemed Date of Allotment may also be changed (pre-poned/ postponed) by the Issuer at its sole and absolute discretion. Consequent to change in Deemed Date of Allotment, the Coupon Payment Dates and/or Redemption Date may also be changed at the sole and absolute discretion of the Issuer

Perpetual Series IISummary Term SheetIssuer Dena BankIssue Size Rs.125 crores including Green Shoe OptionIssue Objects Augmenting Tier-I Capital for strengthening the Capital Adequacy and enhancing long term resources of the BankInstrument Unsecured Non-Convertible Perpetual Bonds (Innovative Perpetual Debt Instruments) (Series-II) in the nature of

Promissory Notes ("Bonds")Nomenclature Dena Bank Perpetual Bonds Series IIIssuance / Trading In Dematerialised FormCredit Rating CARE "A" by CARE and "A stable" by CRISILSecurity UnsecuredFace Value Rs.10,00,000/- per BondIssue Price At par (Rs.10,00,000/- per Bond )Redemption Price Perpetual – Not ApplicableMinimum Subscription 1 Bond and in multiples of 1 Bond thereafterTenure PerpetualPut Option NoneCall Option # At par at the end of 10th year from Deemed Date of Allotment and every year thereafter on each anniversary

date (subject to prior approval from RBI)Redemption / Maturity PerpetualRedemption Date Perpetual – Not ApplicableCall Option Due Date May 28,2019 and every year thereafter on each anniversary date (subject to prior approval from RBI)Coupon / Interest Rate * 9.00% p.a. for the first 10 years and step up coupon rate of 9.50% p.a. for subsequent years if Call Option is not

exercised by the Bank at the end of 10th year from the Deemed Date of AllotmentNote: The step-up option shall be available only once during the whole life of bonds, in conjunction with the call option, after the lapse of 10 years from the deemed date of allotment. The step-up shall be 50 basis points.

Interest Payment Annual (subject to RBI norms)Interest Payment Date On April 01, every year (subject to RBI norms)



Lock-in-clause The Bonds shall be subjected to a lock-in clause in terms of which, Bank shall not be liable to pay interest, if (i) the Bank's CRAR is below the minimum regulatory requirement prescribed by RBI or (ii) the impact of such payment results in Bank's capital to risk assets ratio (CRAR) falling below or remaining below the minimum regulatory requirement prescribed by RBI. However, the Bank may pay interest with prior approval of RBI when the impact of such payment may result in net loss or increase the net loss, provided the CRAR remains above the regulatory norm. Further the interest unpaid shall not be cumulative

Listing Proposed on the Wholesale Debt Market (WDM) Segment of the National Stock Exchange of India Limited (NSE)Trustee IDBI Trusteeship Services Ltd.Depository National Securities Depository Ltd. and Central Depository Services (India) Ltd.Registrars Sharepro Services (India) Pvt. Ltd.Banker to the Issue Dena Bank, Capital Market Branch, MumbaiInterest on Application Money * At the coupon rate applicable for the first 10 years (i.e.@ 9.00%p.a.) from the date of realization of cheque(s) /

demand draft (s)/ RTGS up to but excluding the Deemed Date of Allotment. It will be paid within two working days from the Deemed Date of Allotment.

Settlement Payment of interest and repayment of principal (Only in case of call option) shall be made by way of cheque (s)/ interest / redemption warrant(s)/demand drafts(s)/credit through RTGS /ECS system

Mode of Subscription Through RTGS / ECS system Cheque (s)/ demand draft (s) may be drawn in favour of "Dena Bank A/c – IPDI Issue" and crossed "Account Payee Only" payable at par at designated centers mentioned elsewhere in the Disclosure Document or by way of electronic transfer of funds through RTGS mechanism for credit in the Account of " Dena Bank ", Account No. "111511023752", Branch: " Capital Market Branch", IFSC Code:"BKDNO401115-"

Issue Opens on ^ May 20, 2009 (Wednesday)Issue Closes on ^ May 26, 2009 (Tuesday)Pay In Date ^ May 20, 2009 to May 26, 2009Deemed Dt of Allotment ^ May 28, 2009 (Thursday)

# In case of exercise of Call Option by the Bank, the Bank shall notify its intention to do so through a public notice at least in one All-India English and one regional language daily newspaper in Mumbai and/or through notice sent by registered post / courier to the sole / first Beneficial Owner of the Bonds at least 30 (thirty) day prior to the due date.

* subject to deduction of tax at source, as applicable.

^ The Bank reserves its sole and absolute right to modify (pre-pone / postpone) the issue opening / closing / pay-in date(s) without giving any reasons or prior notice. In such a case, investors shall be intimated about the revised time schedule by the bank. The Bank also reserves the right to keep multiple Deemed Date(s) of Allotment at its sole and absolute discretion without any notice.

Table DF-15: Disclosure Requirement for RemunerationAs per Guidelines of Compensation of Whole Time Directors / Chief Executive Officers / Other Risk Takers issued vide circular DBOD.No. BC.72/ 29.67.001/2011-12 dated January 13,2012, this disclosure is not applicable to our Bank.

Table DF-16: Equities - Disclosure for Banking Book PositionsQualitative Disclosure:• In accordance with the RBI guidelines on investment classification and valuation, Investments are classified on the date of purchase into “Held

for Trading” (HFT), “Available for Sale” (AFS) and “Held to Maturity” (HTM) categories. Investments which the Bank intends to hold till maturity are classified as HTM securities. In accordance with RBI guidelines, equity investments held under the HTM category are classified as banking book for capital adequacy purpose.

• Investments in equity of subsidiaries and joint ventures are required to classify under HTM category in accordance with the RBI guidelines. These are held with a strategic objective to maintain strategic relationships or for strategic business purposes.

• Investments classified under HTM category are carried at their acquisition cost and not mark 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.

• As per RBI guidelines, Banks are allowed to hold investments in units of Venture Capital Fund (VCF) under Banking Book (HTM category) for initial period of 3 years and valued at cost during this period

Quantitative Disclosure:1. Value of Investments

(Amount in Rs. lacs)

Investments Value as per Balance Sheet Fair Value Publicly Quoted Share Values (if materially different from fair value)

Unquoted 1,626.86 1,565.64 NilQuoted NIL NIL N.A



2. Type and Nature of Investments(Amount in Rs. lacs)

Investments Publicly Traded Privately HeldSubsidiaries, Associate and Joint Ventures NIL 105.00Other Shares of PSU / Corporate, which were in the books of the bank under HTM category as on 02.09.2004 and as per RBI guidelines, can be retained as such.

NIL 0.00

Venture Capital Funds NIL 1,521.86

3. Gain / loss Statement(Amount in Rs. lacs)

Particulars AmountCumulative realized gains (losses arising from sales and liquidations in the reporting period. NILTotal unrealized gains (losses) NILTotal latent revaluation gains (losses) NILAny amount of the above included in Tier I and Tier II capital NIL

Table DF-17: Summary Comparison of accounting assets vs. leverage ratio exposure measure

Item (` in Crore)1 Total consolidated assets as per published financial statements 120,859.802 Adjustment for investments in banking , financial, insurance or commercial entities that are consolidated for accounting

purposes but outside the scope of regulatory consolidation (19.33)

3 Adjustments for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure -

4 Adjustments for derivative financial instruments 648.005 Adjustment for securities financing transactions (i.e. repos and similar secured lending) -6 Adjustment for off-balance sheet items (i.e. conversion to credit equivalent amounts of off- balance sheet exposures) 12,535.377 Other adjustments (8,041.41)8 Leverage ratio exposure 125,982.43

Table DF-18: leverage ratio common disclosure templateleverage ratio framework

Item (` in Crore)On-balance sheet exposures

1 On-balance sheet items (excluding derivatives and SFTs, but including collateral) 120,907.822 (Asset amounts deducted in determining Basel III Tier 1 capital) (4,099.24) 3 Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2 ) 116,808.58

Derivative exposures 4 Replacement cost associated with all derivatives transactions (i.e. net of eligible cash variation margin) 144.005 Add-on amounts for PFE associated with all derivatives transactions 504.00

6 Gross-up for derivatives collateral provided where deducted from the balance sheet as sets pursuant to the operative accounting framework 0.00

7 (Deductions of receivables assets for cash variation margin provided in derivatives transactions) 0.008 (Exempted CCP leg of client-cleared trade exposures) 0.009 Adjusted effective notional amount of written credit derivatives 0.00

10 (Adjusted effective notional offsets and add-on deductions for written credit derivatives) 0.0011 Total derivative exposures (sum of lines 4 to 10) 648.00

Securitiesfinancingtransactionexposures 12 Gross SFT assets (with no recognition of netting), after adjusting for sale accounting transactions 0.0013 (Netted amounts of cash payables and cash receivables of gross SFT assets) 0.0014 CCR exposure for SFT assets 0.0015 Agent transaction exposures 0.0016 Total securities financing transaction exposures (sum of lines 12 to 15) 0.00

Other off-balance sheet exposures 17 Off-balance sheet exposure at gross notional amount 21,061.2218 (Adjustments for conversion to credit equivalent amounts) -12,535.3719 Off-balance sheet items (sum of lines 17 and 18) 8,525.85

Capital and total exposures 20 Tier 1 capital 6,425.5621 Total exposures (sum of lines 3, 11, 16 and 19) 125,982.4322 Basel III leverage ratio 5.10%



Table DF-13: Main Features of Regulatory Capital instrumentsEquity lower Tier II Bonds Tier II Bonds Tier I

Disclosures under Pillar 3 in terms of Guidelines on composition of Capital Disclosure Requirements of Reserve Bank of India - as on 31st March 2018

Series IX Series X Series XI Series XII Series XIII SeriesXIV

Perpetual Series II

1 2 3 4 5 6 7 8

Disclosure template for main features of regulatory capital instruments

1 Issuer DENA BANK DENA BANK DENA BANK DENA BANK DENA BANK DENA BANK DENA BANK DENA BANK

2 Unique Identifier (e.g. CUSIP,ISIN or Bloomberg identifier for private placement

INE077A01010 INE077A09062 INE077A09070 INE077A09088 INE077A09104 INE077A08064 INE077A08098 INE077A09096

3 Governing law (s) of the instrument Regulatory treatment

-- -- -- -- -- -- -- --

4 Transitional Basel III rules Tier I Tier II Tier II Tier II Tier II Tier II Tier II Tier I

5 Post-transitional Basel III rules CET I Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 AT 1

6 Eligible at solo/group/ group & solo

SOLO SOLO SOLO SOLO SOLO SOLO SOLO SOLO

7 Instrument type Common Shares

Tier II Debt Instrument






Perpetual Debt Instrument

8 Amount recognised in regulatory capital (Rs. in Crores, as of most recent reporting date)

2259.05 0 0 0 0 780.00 400.00 0

9 Par value of instrument 2259.05 106.00 300.00 200.00 850.00 780.00 400.00 125.00

10 Accounting classification Shareholder's Equity

Liability Liability Liability Liability Liability Liability Liability

11 Original date of issuance 05.12.1996 25.03.2008 30.09.2008 29.01.2009 25.06.2012 26.02.2014 20.09.2016 28.05.2009

12 Perpetual or dated Perpetual 24.05.2018 30.04.2019 29.01.2019 25.06.2027 26.02.2024 20.09.2026 Perpetual

13 Original maturity date No maturity 24.05.2018 30.04.2019 29.01.2019 25.06.2027 26.02.2014 20.09.2026 Perpetual

14 Issuer call subject to prior supervisory approval

NO NO NO NO YES NO No YES

15 Optional call date, contingent call dates and redemption amount

- NA- - NA- - NA- - NA- * 25.06.2022 -NA- -NA- * * 28.05.2019

16 Subsequent call dates, if applicable Coupons / dividends

- NA- - NA- - NA- - NA- - NA- - NA- - NA- - NA-

17 Fixed or floating dividend/coupon Floating Fixed Fixed Fixed Fixed Fixed Fixed Fixed

18 Coupon rate and any related index

NA 9.25% 11.20% 9.50% 9.23% 9.86% 8.76% 9.00%

19 Existence of a dividend stopper NA NO NO NO NO NO NO NO

20 Fully discretionary, partially discretionary or mandatory

FullyDiscretionary

Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory

21 Existence of step up or other incentive to redeem

NO NO NO NO NO NO NO YES

22 Noncumulative or cumulative Non-Cumulative

Non-Cumulative

Non-Cumulative

Non-Cumulative

Non-Cumulative

Non-Cumulative

Non-Cumulative

Non-Cumulative

23 Convertible or non-convertible Non-Convertible

Non-Convertible

Non-Convertible

Non-Convertible

Non-Convertible

Non-Convertible

Non-Convertible

Non-Convertible

24 If convertible, conversion trigger(s)


25 If convertible, fully or partially - NA- - NA- - NA- - NA- - NA- - NA- - NA- - NA-

26 If convertible, conversion rate - NA- - NA- - NA- - NA- - NA- - NA- - NA- - NA-

27 If convertible, mandatory or optional conversion


28 If convertible, specify instrument type convertible into




Equity lower Tier II Bonds Tier II Bonds Tier I

Disclosures under Pillar 3 in terms of Guidelines on composition of Capital Disclosure Requirements of Reserve Bank of India - as on 31st March 2018

Series IX Series X Series XI Series XII Series XIII SeriesXIV

Perpetual Series II

1 2 3 4 5 6 7 8

Disclosure template for main features of regulatory capital instruments

29 If convertible, specify issuer of instrument it converts into


30 Write-down feature - NA - - NA - - NA - - NA - - NA - YES YES - NA -

31 If write-down, write-down trigger(s)

- NA - - NA - - NA - - NA - - NA -As per RBI guidelines

Yes, as per Terms &

Condition of Instrument

- NA -

32 If write-down, full or partial - NA - - NA - - NA - - NA - - NA - FULL FULL - NA -

33 If write-down, permanent or temporary

- NA - - NA - - NA - - NA - - NA - Permanent Permanent - NA -

34 If temporary write-down, description of write-up mechanism

- NA - - NA - - NA - - NA - - NA --NA-

- NA - - NA -

35 Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)

8 - NA - - NA - - NA - - NA - - NA - -NA- 7

36 Non-compliant transitioned features

- NA - - NA - - NA - - NA - - NA - - NA - - NA - - NA -

37 If yes, specify non-compliant features

- NA - - NA - - NA - - NA - - NA - - NA - - NA - - NA -

* with RBI approval after the instrument is run for 10 years

* * at the end of 10th year from deemed date of allotment with the prior permission from RBI, if not exercised by the Bank, coupon shall be stepped up by 50 basis points thereafter till redemption



To The President of India / Members of Dena BankReport On the Financial Statements1. We have audited the accompanying financial statements of Dena

Bank (‘the Bank’) as at 31 March, 2018, which comprise the Balance Sheet as at 31 March, 2018, and the Profit and Loss Account, and the Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 20 branches audited by us and 758 branches audited by statutory branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Statement of Profit and Loss are the returns from 1094 branches (including 72 satellite branches) which have not been subjected to audit. These unaudited branches account for 11.67 per cent of advances, 37.87 per cent of deposits, 12.21 per cent of interest income and 37.03 per cent of interest expenses.

Management’s Responsibility for the Financial Statements2. Management is responsible for the preparation of these financial

statements that give a true and fair view of the financial position, financial performance and cash flows of the bank in accordance with Banking Regulation Act 1949, Reserve Bank of India guidelines from time to time and accounting standards generally accepted in India. This responsibility includes design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility3. Our responsibility is to express an opinion on these financial

statements based on our audit. We conducted our audit in accordance with Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatements.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion6. In our opinion, as shown by books of bank and to the best of our

information and according to the explanations given to us:

(a) the Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of the state of affairs of the Bank as at 31 March 2018 in conformity with accounting principles generally accepted in India;

(b) the Profit and Loss Account, read with the notes thereon shows a true balance of loss, in conformity with accounting principles generally accepted in India, for the year covered by the account; and

(c) the Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

Report on Other legal and Regulatory Requirements7. The Balance Sheet and the Profit and Loss Account have been

drawn up in accordance with Section 29 of the Banking Regulation Act, 1949;

Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980, and subject also to the limitations of disclosure required therein, we report that:

(a) We have obtained all the information and explanations which, to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory;

(b) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank; and

(c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit.

8. We further report that:

a) the Balance Sheet and Profit and Loss account dealt with by this report are in agreement with the books of account and returns;

b) the reports on the accounts of the branch offices audited by branch auditors of the Bank under section 29 of the Banking Regulation Act, 1949 have been sent to us and have been properly dealt with by us in preparing this report;

c) In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable accounting standards.

INDEPENDENT AUDITOR’S REPORT

for, Ramesh C Agrawal & CoChartered Accountants

[R C Agrawal]PartnerM No 070229FRN 001770C

for, ABP & AssociatesChartered Accountants

[Prabhat Kumar Panda]PartnerM No 057140FRN 315104E

for, Kailash Chand Jain & Co.Chartered Accountants

[Sandeep K. Jain]PartnerM No 110713FRN 112318W

for, Sarda & PareekChartered Accountants

[Niranjan Joshi]PartnerM No 102789FRN 109262W

Place: MumbaiDate: 11.05.2018

195dm{f©H$ [anmoQ>© Annual Report 2017-18BAlANCE SHEET

BAlANCE SHEET AS AT 31st MARCH 2018

As at 31.03.2018 As at 31.03.2017SCH. ` in '000' ` in '000'

CAPITAl AND lIABIlITIESCAPITAL 1 22,590,463 7,871,499

RESERVES AND SURPLUS 2 69,437,548 68,979,899

DEPOSITS 3 1,061,301,424 1,139,427,674

BORROWINGS 4 35,610,000 50,608,767

OTHER LIABILITIES AND PROVISIONS 5 19,658,527 28,417,307

TOTAl 1,208,597,962 1,295,305,146ASSETSCASH AND BALANCES WITH RESERVE BANK OF INDIA 6 58,947,354 60,108,622

BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE 7 627,257 25,34,691

INVESTMENTS 8 376,095,544 397,372,257

ADVANCES 9 655,815,144 725,746,161

FIXED ASSETS 10 15,573,355 15,770,062

OTHER ASSETS 11 101,539,308 93,773,353

TOTAl 1,208,597,962 1,295,305,146CONTINGENT lIABIlITIES 12 516,300,358 430,288,143

BIllS FOR COllECTION 25,953,406 26,790,737

SIGNIFICANT ACCOUNTING POlICIES 17

NOTES FORMING PART OF ACCOUNTS 18

Schedules referred to above form an integral part of Balance Sheet

Ramesh S. Singh Dr. Rajesh Kumar YaduvanshiExecutive Director Executive Director

Ashok Kumar Singh S. C. Murmu G GopalakrishnaDirector Director Director

Amit Chatterjee Dr. Yasho Verdhan Verma Rakesh KumarDirector Director Director

A Bhadra Pankaj Mittal Usha RaviAsst General Manager Dy. General Manager General Manager

for, Ramesh C Agrawal & Co for, ABP & Associates for, Kailash Chand Jain & Co for, Sarda & PareekChartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants

[R C Agrawal]Partner

Mem. No. 070229

FRN 001770C

[Prabhat Kumar Panda]Partner

Mem. No. 057140

FRN 315104E

[Sandeep K. Jain] Partner

Mem. No. 110713

FRN 112318W

[Niranjan Joshi]Partner

Mem. No. 102789

FRN 109262W

Place : MumbaiDate : 11.05.2018


PROFIT & lOSS ACCOUNT

Year ended Year ended31.03.2018 31.03.2017

SCH ` in '000' ` in '000'I INCOMEINTEREST EARNED 13 89,322,247 101,816,729OTHER INCOME 14 11,635,209 12,513,985

TOTAl 100,957,456 114,330,714II EXPENDITUREINTEREST EXPENDED 15 64,564,120 77,733,129OPERATING EXPENSES 16 24,681,767 22,695,453PROVISIONS & CONTINGENCIES 30,943,101 22,538,380

TOTAl 120,188,988 122,966,962III PROFIT/lOSSNET PROFIT FOR THE YEAR (19,231,532) (8,636,248)NET PROFIT/LOSS BROUGHT FORWARD 0 0

TOTAl (19,231,532) (8,636,248)IV APPROPRIATIONSTRANSFER TO STATUTORY RESERVE 0 0TRANSFER TO SPECIAL INFRA RESERVE 0 0TRANSFER TO CAPITAL RESERVES 0 0TRANSFER TO REVENUE RESERVE 0 0PROPOSED DIVIDEND (INCL. DIVIDEND TAX) 0 0BALANCE CARRIED OVER TO BALANCE SHEET (19,231,532) (8,636,248)

TOTAl (19,231,532) (8,636,248)Earnings Per Share (`) (Basic) - FV ` 10/- (18.06) (11.89)Earnings Per Share (`) (Diluted) - FV ` 10/- (18.06) (11.88)SIGNIFICANT ACCOUNTING POlICIES 17NOTES FORMING PART OF ACCOUNTS 18SchedulesreferredtoaboveformanintegralpartofProfit&LossA/c

PROFIT & lOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2018







Mem. No. 070229

FRN 001770C


Mem. No. 057140

FRN 315104E


Mem. No. 110713

FRN 112318W


Mem. No. 102789

FRN 109262W


197dm{f©H$ [anmoQ>© Annual Report 2017-18SHEDUlES FORMING PART OF BAlANCE SHEET

SCHEDUlES FORMING PART OF BAlANCE SHEET AS AT 31ST MARCH 2018

As at 31.03.2018

As at 31.03.2017

` in '000' ` in '000'SCHEDUlE - 1 CAPITAlAUTHORISED 300,00,00,000 Shares of ` 10/- Each 30,000,000 30,000,000ISSUED, SUBSCRIBED AND PAID-UP 22,590,463 7,871,499225,90,46,330 (P Y 78,71,49,884) Equity Shares of ` 10/- Each Fully Paid up[of which, 182,40,31,844 (PY 53,96,26,896) shares are held by the Government of India]

TOTAl 22,590,463 7,871,499

SCHEDUlE - 2 RESERVES AND SURPlUSI STATUTORY RESERVE

OPENING BALANCE 16,569,006 16,569,006ADDITION DURING THE YEAR 0 0

TOTAl - I 16,569,006 16,569,006II CAPITAl RESERVE

OPENING BALANCE 1,307,266 1,307,266ADDITION DURING THE YEAR - 0

TOTAl - II 1,307,266 1,307,266III REVAlUATION RESERVE

OPENING BALANCE 10,984,695 9,295,099ADDITION DURING THE YEAR 0 1,689,596DEDUCTION DURING THE YEAR (54,484) 0

TOTAl - III 10,930,211 10,984,695IV SHARE PREMIUM

OPENING BALANCE 25,697,770 22,439,927ADDITION DURING THE YEAR 27,666,957 3,257,843

TOTAl - IV 53,364,727 25,697,770V REVENUE RESERVE

OPENING BALANCE 20,932,007 20,932,007ADDITION DURING THE YEAR 0 0DEDUCTION DURING THE YEAR 0 0

TOTAl - V 20,932,007 20,932,007VI SPECIAl INFRA RESERVE

OPENING BALANCE 3,555,300 3,555,300ADDITION DURING THE YEAR 0 0DEDUCTION DURING THE YEAR 0 0

TOTAl - VI 3,555,300 3,555,300VII PROFIT & lOSS ACCOUNT

OPENING BALANCE (17,989,437) (9,353,189)ADDITION DURING THE YEAR (19,231,532) (8,636,248)DEDUCTION DURING THE YEAR 0 0

TOTAl - VII (37,220,969) (17,989,437)

VIII SHARE APPlICATION MONEY PENDING AllOTMENT 0 7,923,292TOTAl - VIII 0 7,923,292

TOTAl (I + II + III + IV + V +VI+VII+VIII) 69,437,548 68,979,899


As at 31.03.2018

As at 31.03.2017

SCHEDUlE - 3 DEPOSITS ` in '000' ` in '000'A I DEMAND DEPOSITS

i. FROM BANKS 900,879 3,605,364ii. FROM OTHERS 60,135,294 69,834,776

II SAVINGS BANK DEPOSITS 364,714,880 362,385,978

III TERM DEPOSITSi. FROM BANKS 37,926,999 19,456,785ii. FROM OTHERS 597,623,372 684,144,771

TOTAl 1,061,301,424 1,139,427,674

B I DEPOSITS OF BRANCHES IN INDIA 1,061,301,424 1,139,427,674 II DEPOSITS OF BRANCHES OUTSIDE INDIA 0 0

TOTAl 1,061,301,424 1,139,427,674

SCHEDUlE - 4 BORROWINGSI BORROWINGS IN INDIA

i. RESERVE BANK OF INDIA 8,000,000 2,750,000ii. OTHER BANKS 0 0iii. OTHER INSTITUTIONS AND AGENCIES 0 4,998,767iv. BONDS

a) INNOVATIVE PERPETUAL DEBT INSTRUMENT (IPDI)

1,250,000 2,500,000

b) BASEL III COMPLIANT AT-1 BONDS 0 14,000,000c) UPPER TIER II BONDS 0 0d) SUBORDINATED DEBTS UNSECURED 14,560,000 14,560,000e) BASEL III COMPLIANCE TIER II BONDS 11,800,000 11,800,000

II BORROWINGS OUTSIDE INDIA 0 0TOTAl 35,610,000 50,608,767

SCHEDUlE - 5 OTHER lIABIlITIES & PROVISIONSI BILLS PAYABLE 3,809,066 5,010,637

II INTER OFFICE ADJUSTMENTS (NET) 0 5,182,328III INTEREST PAYABLE 3,992,856 4,921,078IV CONTINGENT PROVISIONS AGAINST STANDARD ASSETS 4,752,805 6,339,252V OTHERS (INCLUDING PROVISIONS) 7,103,800 6,964,012

TOTAl 19,658,527 28,417,307

SCHEDUlE - 6 CASH AND BAlANCESWITH RESERVE BANK OF INDIA

I CASH IN HAND (INCLUDING FOREIGN CURRENCY NOTES) 4,822,794 6,244,078

II BALANCES WITH RESERVE BANK OF INDIAi. IN CURRENT ACCOUNTS 46,124,560 47,364,544ii. IN OTHER ACCOUNTS (UNDER LAF) 8,000,000 6,500,000

TOTAl 58,947,354 60,108,622

SHEDUlES FORMING PART OF BAlANCE SHEET


As at 31.03.2018

As at 31.03.2017

` in '000' ` in '000'SCHEDUlE - 7 BAlANCES WITH BANKS AND MONEY AT CAll AND SHORT NOTICEI IN INDIA

i. BALANCES WITH BANKSa. IN CURRENT ACCOUNTS 366,357 459,491b. IN OTHER DEPOSIT ACCOUNTS 0 0

ii. MONEY AT CALL AND SHORT NOTICEa. WITH BANKS 0 0b. WITH OTHER INSTITUTIONS 0 0

TOTAl - I 366,357 459,491

II OUTSIDE INDIAi. IN CURRENT ACCOUNTS 0 0ii. IN OTHER DEPOSIT ACCOUNTS 260,900 2,075,200iii. MONEY AT CALL AND SHORT NOTICE 0 0

TOTAl – II 260,900 2,075,200 TOTAl (I + II) 627,257 2,534,691

As at 31.03.2018 As at 31.03.2017` in '000' ` in '000'

SCHEDUlE-8 INVESTMENTSI INVESTMENTS IN INDIA IN

i. GOVERNMENT SECURITIES * 296,793,306 345,123,928ii. OTHER APPROVED SECURITIES 0 0iii. SHARES 2,509,661 3,541,027iv. DEBENTURES AND BONDS 40,132,614 39,708,616 v. SUBSIDIARIES AND/OR JOINT VENTURES 193,319 193,319vi. SPL GOVT SEC HTM INV NONSLR 28,020,000 0 vi. OTHERS

a. VENTURE CAPITAL 381,753 426,519b. UNITS OF MUTUAL FUNDS 0 30,025c. COMMERCIAL PAPER 975,543 327,977d. SECURITY RECEIPTS OF ARCs 6,294,243 6,016,121e. CERTIFICATE OF DEPOSIT 747,820 2,004,725f. PTC 47,285 0g. CBLO 0 8,446,644 0 8,805,367

TOTAl - I 376,095,544 397,372,257

II INVESTMENTS OUTSIDE INDIA 0 0 TOTAl (I + II) 376,095,544 3,97,372,257

GROSS INVESTMENTS 380,395,639 401,897,691LESS: PROVISION FOR DEPRECIATION (4,300,095) (4,525,434)NET INVESTMENTS 376,095,544 3,97,372,257*Includes Securities Kept as Margin 14,486,300 11,270,500



As at 31.03.2018

As at 31.03.2017

` in '000' ` in '000'SCHEDUlE - 9 ADVANCESA. i. BILLS PURCHASED AND DISCOUNTED 8,687,851 8,510,333

ii. CASH CREDITS, OVERDRAFTS AND 256,138,122 339,425,454LOANS REPAYABLE ON DEMAND

iii. TERM LOANS 390,989,171 377,810,374TOTAl - A 655,815,144 725,746,161

SECURITY WISE ADVANCESB. i. SECURED BY TANGIBLE ASSETS 585,792,945 641,320,461

[Includes advances against book debts]ii. COVERED BY BANK / GOVT. GUARANTEES 21,195,200 17,113,000iii. UNSECURED 48,826,999 67,312,700

TOTAl - B 655,815,144 725,746,161SECOTR WISE ADVANCESC. I. ADVANCES IN INDIA

i. PRIORITY SECTOR 260,048,540 282,518,992ii. PUBLIC SECTOR 68,520,830 74,446,497iii. BANKS 5,986,649 2,227,100iv. OTHERS 321,259,125 366,553,572

TOTAl - C 655,815,144 725,746,161II. ADVANCES OUTSIDE INDIA 0 0

TOTAl - C I + C II 655,815,144 725,746,161

SCHEDUlE -10 FIXED ASSETSA. TANGIBlE ASSETS

I. PREMISESi. AT COST AS AT 31st MARCH OF THE PRECEEDING YEAR (Includes increase in the

value on account of revaluation of certain premises in earlier years)13,916,599 13,843,900

ii. ADDITION ON ACCOUNT OF REVALUATION DURING THE YEAR

0 0

iii. ADDITIONS DURING THE YEAR 22,455 72,699iv. DEDUCTIONS DURING THE YEAR 0 0

GROSS BlOCK 13,939,054 13,916,599v. DEPRECIATION TO DATE (1,694,400) (1,616,088)

TOTAl – I 12,244,654 12,300,511

II. OTHER FIXED ASSETS (INClUDING FURNITURE AND FIXTURES)i. AT COST AS ON 31st MARCH OF THE

PRECEDING YEAR8,231,909 7,955,776

ii. ADDITIONS DURING THE YEAR 555,420 436,893iii. DEDUCTIONS DURING THE YEAR (145,744) (160,760)

GROSS BlOCK 8,641,585 8,231,909iv. DEPRECIATION TO DATE (5,569,709) (4,926,845)

TOTAl – II 3,071,876 3,305,064III. WORK IN PROGRESS 81,579 24,726

TOTAl - A (I + II+III) 15,398,109 15,630,301



As at 31.03.2018

As at 31.03.2017

` in '000' ` in '000'B. INTANGIBlE ASSETS

I. COMPUTER SOFTWAREi. AT COST AS AT 31st MARCH OF THE

PRECEEDING YEAR888,760 878,884

ii. ADDITION DURING THE YEAR 115,774 9,876iii. DEDUCTION DURING THE YEARiv SOFTWARE UNDER IMPLEMENTATION 11,669 0v. AMORTISED TO DATE (840,957) (748,999)

TOTAl - B 175,246 139,761

GRAND TOTAl (A+B) 15,573,355 15,770,062

SCHEDUlE-11 OTHER ASSETSI. INTER - OFFICE ADJUSTMENTS (NET) 2,868,127 0II. INTEREST ACCRUED 10,528,667 12,462,746III. TAX PAID IN ADVANCE / TDS

(Incl of MAT Entitlement & Net of provision)12,375,159 12,044,319

IV. DEFERRED TAX ASSET (NET) 29,755,210 17,199,210V. STATIONERY AND STAMPS 42,165 39,836VI. NON BANKING ASSETS ACQUIRED IN SATISFACTION OF CLAIMS 98,600 98,600VII. RIDF/ RHDF/ MSME REFINANCE/ MSME (RISK CAPITAL) FUND 38,597,676 40,717,154VIII. OTHERS 7,273,704 11,211,488

TOTAl 101,539,308 93,773,353

SCHEDUlE - 12 CONTINGENT lIABIlITIESI. CLAIMS AGAINST THE BANK NOT ACKNOWLEDGED AS DEBTS 149,609,845 27,863,212II. LIABILITY ON ACCOUNT OF PARTLY PAID SHARES 0 0III. LIABILITY ON ACCOUNT OF OUTSTANDING FORWARD EXCHANGE CONTRACTS 259,466,531 297,560,842IV. GUARANTEES GIVEN ON BEHALF OF CONSTITUENTS

a) IN INDIA 74,645,313 69,030,787b) OUTSIDE INDIA 0 0

V. ACCEPTANCES, ENDORSEMENTS AND OTHER OBLIGATIONS 29,260,369 33,163,302VI. OTHER ITEMS FOR WHICH THE BANK IS CONTINGENTLY LIABLE (DEAF) 3,318,300 2,670,000

TOTAl 516,300,358 430,288,143

BILLS FOR COLLECTION 25,953,406 26,790,737

Year ended 31.03.2018


` in '000' ` in '000'SCHEDUlE - 13 INTEREST EARNEDI. INTEREST/DISCOUNT ON ADVANCES/ BILLS 58,329,110 69,687,859II. INCOME ON INVESTMENTS 26,818,964 29,060,905III. INTEREST ON BALANCES WITH RESERVE BANK

OF INDIA AND OTHER INTER BANK FUNDS1,019,055 370,547

IV. OTHERS 3,155,118 2,697,418TOTAl 89,322,247 101,816,729





` in '000' ` in '000'SCHEDUlE - 14 OTHER INCOMEI. COMMISSION, EXCHANGE AND BROKERAGE 2,505,449 2,275,952II. PROFIT/(LOSS) ON SALE OF INVESTMENTS (NET) 4,228,365 6,319,714III. PROFIT/ (LOSS) ON SALE OF LAND, BUILDINGS AND OTHER ASSETS (NET) (6,046) (3,841)IV. PROFIT ON FOREIGN EXCHANGE

TRANSACTIONS (NET)454,342 330,424

V. INCOME EARNED BY WAY OF DIVIDENDS ETC. FROM SUBSIDIARIES / COMPANIES AND/ ORJOINT VENTURES ABROAD/ IN INDIA

19,237 37,914

VI. MISCELLANEOUS INCOME 4,433,862 3,553,822TOTAl 11,635,209 12,513,985

SCHEDUlE - 15 INTEREST EXPENDEDI. INTEREST ON DEPOSITS 59,555,504 72,130,419II. INTEREST ON RESERVE BANK OF INDIA/ INTER

BANK BORROWINGS609,382 495,971

III. OTHERS 4,399,234 5,106,739TOTAl 64,564,120 77,733,129

SCHEDUlE - 16 OPERATING EXPENSESI. PAYMENTS TO AND PROVISIONS FOR EMPLOYEES 15,874,971 14,840,846II. RENT, TAXES AND LIGHTING 2,169,252 2,080,310III. PRINTING AND STATIONERY 207,735 240,394IV. ADVERTISEMENT AND PUBLICITY 44,384 175,630V. DEPRECIATION ON BANK’S PROPERTY 797,210 31,317VI. DIRECTORS' FEES, ALLOWANCES & EXPENSES 9,956 14,375VII. AUDITORS' FEES AND EXPENSES

(INCLUDING BRANCH AUDITORS)119,997 140,323

VIII. LAW CHARGES 189,831 148,130IX. POSTAGE, TELEGRAMS, TELEPHONES ETC 398,960 339,158X. REPAIRS AND MAINTENANCE 471,397 337,912XI. INSURANCE 1,153,521 1,279,203XII. OTHER EXPENDITURE 3,244,553 3,067,855

TOTAl 24,681,767 22,695,453



SCHEDUlE – 17SIGNIFICANT ACCOUNTING POlICIES17.1 BASIS OF ACCOUNTING Bank’s financial statements are prepared under the historical cost

convention, on accrual basis of accounting, unless otherwise stated and conform in all material aspects to Generally Accepted Accounting Principles (GAAP) in India, which comprise applicable statutory provisions, regulatory norms/guidelines prescribed by Reserve Bank of India (RBI), Accounting Standards issued by the Institute of Chartered Accountants of India (ICAI), to the extent applicable and generally the practices prevailing in the banking industry in India.

17.2 USE OF ESTIMATES The preparation of financial statements in conformity with GAAP

requires the Management to make estimates and assumptions considered in the reported amounts of assets and liabilities (including contingent liabilities) as of the date of the financial statements and the reported income and expenses during the reporting period. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable.

17.3 INVESTMENTS A BasisofClassification Investments have been categorized as per guidelines of

Reserve Bank of India (i) Held to Maturity (ii) Available for Sale (iii) Held for Trading and are disclosed in the accounts under six classifications at the value net of depreciation provision thereon.

B Valuation Investments are valued as per Reserve Bank of India

guidelines in the following manner:

Basis: ‘Held to Maturity’ Investments held under this category are carried in books at

their acquisition cost. Premium, if any, paid on acquisition is amortized using straight line method.

‘Available for Sale’ and ‘Held for Trading’ These Investments are marked to market scrip wise.

Depreciation/Appreciation for each of six classifications is aggregated; net depreciation, if any, for each classification is provided for, but net appreciation is ignored.

C Methodology All investments of Bank are valued consistently on Average

Cost Method. Market value of quoted securities in case of Investments included in the ‘Available for Sale’ and ‘Held for Trading’ categories is taken based on last closing rate of recognized stock exchange/s or price list of FIMMDA [ Fixed Income Money Market and Derivatives Association of India].

The value in case of unquoted securities and securities where market quotes are not available, is determined based on Prices / Yield to Maturity declared by FIMMDA [Fixed Income Money Market and Derivatives Association of India] and Net Asset Value in case of units of Mutual Funds / SRs of ARCs / SCs/Venture Capital Fund and Net Book Value in case of Shares of Companies.

Treasury Bills, Commercial Papers, Certificate of Deposits. CBLO, Rural Infrastructure Development Funds and Investments including Share Capital Deposits in Regional Rural Banks are valued at carrying cost.

D INCOME RECOGNITION AND PRUDENTIAl NORMS Bank follows the prudential norms formulated by Reserve

Bank of India, from time to time, as to Asset Classification of all Investments, Income Recognition and Provisioning on such Investments.

Commission, brokerage, broken period interest on investment transactions are debited and /or credited to Profit and Loss Account in the year of transaction.

Profit on sale of investments under the category “Held to Maturity” is taken to Profit and Loss Account and thereafter appropriated to “Capital Reserve Account” whereas loss on sale of Investments is recognized in the Profit & Loss Account.

17.4 ADVANCES A Bank follows the prudential norms formulated by Reserve

Bank of India, from time to time, as to Asset Classification, Income Recognition and Provisioning thereon. Accordingly, all advances are being classified into Standard, Sub-standard, Doubtful and Loss Assets.

B Advances are stated net of provisions for Non Performing Assets, provision in lieu of diminution in the fair value of Restructured Accounts, Balance in Sundries Account in respect of NPA accounts, DICGC/ECGC Claims received and held pending adjustment, part payment received and kept in Suspense Account.

C A general provision for Standard Assets is made in conformity with the prudential norms. Provision on Standard Assets and excess Provision on Sale of NPA accounts are included in ‘Other Liabilities and Provisions’ in Schedule 5 to the Balance Sheet.

D Recoveries in Non Performing Advances are first appropriated towards principal outstanding and surplus, if any, is recognized as income.

E In case of sale of financial assets to the Asset Reconstruction Company (ARC) / Securitisation Company (SC)/ Banks/ FIs / NBFCs at a price below the Net Book Value (NBV), i.e. Book Value Less Provision held, the shortfall is debited to the Profit and Loss Account and in case of sale at a value higher than the NBV, the excess provision is not being reversed but is kept for utilization to meet the shortfall/loss on account of sale of other financial assets to ARC/SC/Banks/FIs/NBFCs.

Balance in the FITL Accounts in case of failed restructured cases is debited to the provisions for FITL] Accounts.

17.5 FIXED ASSETS & DEPRECIATION A Fixed assets are stated at historical cost except wherever

revalued. B Premises also include cost of land in some of the properties

where the same could not be segregated.

C Fixed Assets are depreciated under Straight Line Method on the basis of useful life prescribed under schedule-II of the Companies Act 2013 for the respective assets.

D Depreciation has been charged on Depreciable Amount after deducting residual value of the assets. Residual Value has been considered @ 5% of the original cost of each class of Asset.

E Depreciation on additions/sale/ deletion to fixed assets made during the year is provided at proportionately for the period of use of the assets.

F Cost of leasehold land is amortized over the period of lease.

G Depreciation attributable to revalued portion, is charged to the Revaluation Reserve Account



H Computer Software Expenses are considered as Intangible Assets and are amortized over a period of five years, which is considered as useful economic life of such assets.

I Fixed Assets include Capital Work-in-Progress.

17.6 IMPAIRMENT OF ASSETS Impairment loss, if any, on Fixed Assets is recognised in

accordance with AS 28 - Impairment of Assets, issued by ICAI and charged to Profit and Loss Account.

17.7 lEASE ACCOUNTING Lease payments for assets taken on operating lease are

recognized in the Profit & Loss Account over the lease term in accordance with AS 19 – Leases, issued by ICAI.

17.8 NON BANKING ASSETS Non Banking Assets are stated at cost.

17.9 REVENUE RECOGNITIONi Commission on Letters of Credit/ Bank Guarantees/

Government Business / Distribution of Insurance Policies/ Mutual Fund Products/ASBA; Locker Rent, Interest on Refund of Taxes, Dividend, Income on Units of Mutual Funds, Rental Income, and Service Charges on various Deposit Accounts are recognized on realization basis.

ii Interest/ Discount on Non-Performing Loans & Advances/ Investments is recognized to the extent realized as per the prudential guidelines of RBI.

iii Recoveries in Written Off Advances / Investments are being accounted for as ‘Miscellaneous Income’.

17.10 RECOGNITION OF EXPENSESi Pursuant to RBI Circular dated 22nd August, 2008, interest

payable on matured and unpaid Term Deposits is provided on accrual basis on Saving Bank Rate on deposits matured on or after 22.08.2008.

ii Expenses on the issue of shares, bonds etc. are recognized in the year of incurrence.

iii Legal Expenses in case of Suit Filed Accounts are charged to Profit and Loss Account.

iv Expenditure on Voluntary Retirement Scheme [VRS] is recognized in the year of payment.

17.11 EFFECTS OF CHANGES IN FOREIGN EXCHANGE RATESA Foreign Currency monetary items including outstanding

forward exchange contracts in foreign currency are valued at the year-end on the rates issued by Foreign Exchange


Dealers’ Association of India (FEDAI) and the resultant profit/loss arising out of such revaluation is accounted for in the Profit & Loss Account.

B Foreign Currency non-monetary items which are carried in terms of historical cost, are reported at the exchange rate on the date of transaction.

C Guarantees, letters of credit, acceptances, endorsements and other obligations in foreign currency are also revalued at the year-end on the rates issued by FEDAI for the purpose of Balance Sheet exposure.

D Income and Expenditure items are recognized at the exchange rates prevailing on the date of transaction.

17.12 EMPlOYEE BENEFITS Gratuity, Pension and Leave Encashment payable on retirement;

and other employee benefits are charged to Profit & Loss Account as per actuarial valuation as required by AS 15 [R] issued by ICAI.

17.13 TAXES ON INCOMEi Current Tax is provided using applicable tax rates on the

amount worked out on the basis of applicable tax laws, judicial pronouncements / legal opinions and the past assessments.

ii Deferred Tax is recognised subject to consideration of prudence on timing difference, representing the difference between the taxable income and accounting income that originated in one period and are capable of reversal in one or more subsequent periods. Deferred Tax Assets and Liabilities are measured using tax rates and the tax laws that have been enacted or substantively enacted by the Balance Sheet date.

17.14 PROVISIONS, CONTINGENT lIABIlITIES AND CONTINGENT ASSETS

A As per AS 29 - Provisions, Contingent Liabilities and Contingent Assets issued by ICAI, the Bank recognises provisions only when it has a present obligation as a result of a past event, it is probable that an outflow of resources is expected to settle the obligation and a reliable estimate of the amount of obligation can be made.

B Contingent Liabilities are disclosed in a case when there is a present or possible obligation and it is not probable that an outflow of resources will be required to settle it.

C Contingent Assets are neither recognised nor disclosed.


SCHEDUlE – 18NOTES FORMING PART OF THE ACCOUNTS18.1 Reconciliation of entries under Inter Branch/ Inter Bank

transactions, Nominal Account and old entries is an ongoing process. Balances with Reserve Bank/ Other Banks have been reconciled except certain entries which are under process of reconciliation. Consequential impact of pending reconciling items as stated above is not ascertainable. However provision there against has been made as per RBI guidelines.

18.2 Provision on standard assets has been given effect in the accounts according to revised RBI guidelines as under:

i. 0.25% of the outstanding in Farm Credit to Agriculture activities and small and Micro Enterprises (SME) Sectors.

ii. 1.00% of the outstanding in Commercial Real Estate [CRE] sector and also in cases where commencement date of operations is extended.

iii. 0.75% on advances to Commercial Real Estate-Residential Housing (CRE-RH) Sector.

iv. 2.00% of the outstanding in Housing Loans @ teaser rates.

v. 0.40% of the outstanding in all other advances [i.e. except 18.2 [i],[ii] [iii] and [iv] above]

vi. 5% for the period covering the period of moratorium allowed as per the restructuring package and 2 years thereafter, in restructured standard accounts.

vii. Higher provision has been made @ 10% and 15% on certain Standard Assets in compliance with the RBI directive.

viii. 5% for MSME borrowers availing benefit of GST

ix. Additional Provision against FCI exposure on Govt. of Punjab and Telangana as per RBI Directives

18.3 Classification of advances and provisioning there-against in case of 1022 unaudited branches have been incorporated as certified by the Branch Managers.

18.4 During the year, Bank has incurred loss of ` 1923.15 cr (Previous year ` 863.62 cr) which has been carried forward to Profit & Loss Account under Schedule-2 “Reserve & Surplus”. In view of this, Bank has not appropriated any amount to any of the Reserves including Capital Reserves.

18.5 Disclosures in terms of RBI guidelines are as under: a. Capital: During the financial year 2017-18,

1) Bank has issued 112,81,95,628 equity shares having face value of ` 10/- each to Government of India (GOI) at a price of ` 26.99 per share (including premium of ` 16.99 per share), on preferential basis in accordance with Chapter VII of SEBI (ICDR) Regulations, 2009 aggregating to 3,045 cr.

2) Bank has issued 13,74,18,819 equity shares having face value of ` 10 each at a price of ` 29.20 per share (including premium of ` 19.20 per share), under Qualified Institutions Placement (QIP) in accordance with the provisions of SEBI (ICDR) Regulations, 2009 aggregating to ` 401.26 cr.

3) Bank had received Share Application Money pending allotment of equity shares, aggregating to ` 792.33 cr. in financial year 2016-17 against which the Bank has allotted 15,62,09,320 equity shares to Govt. of India, 4,48,65,702 equity shares to LIC of India and 52,06,977 equity shares to GIC of India, having face value of ` 10/- each at a price of ` 38.41 per share (including premium of ` 28.41 per share), on preferential basis in accordance with Chapter VII of SEBI (ICDR) Regulations, 2009, during the financial year 2017-18 after receipt of approval from GOI, vide their letter F.No.7/38/2014-BOA dated 4th August 2017.

4) Bank has repaid borrowings towards Unsecured, Subordinated, Non-convertible Basel III compliant Additional Tier I bonds, aggregating to ` 1,400 cr. after exercising Regulatory Call Option.

Sr. No

Particulars As on 31.03.2018 As on 31.03.2017Basel III Basel II Basel III Basel II

i Common Equity Tier 1 capital ratio (%) 8.81 - 7.24 -ii Tier 1 Capital Adequacy ratio (%) 8.81 7.39 9.05 7.97iii Tier 2 Capital Adequacy ratio (%) 2.28 4.31 2.34 4.10iv Total Capital Adequacy ratio (CRAR) (%) 11.09 11.70 11.39 12.07v Percentage of the shareholding of the Government of India

in the Bank 80.74% 80.74% 68.55% 68.55%

vi Amount of equity capital raised (` in cr) including premium 3,446.26 3,446.26 1,199.33 1,199.33vii Amount of Additional Tier 1 capital raised of which

PNCPS:

PDI:

NIL

NIL

NIL

NIL

NIL

NIL

NIL

NILviii Amount of Tier 2 capital raised;

of which

Debt capital instrument (` in cr)

Preference Share Capital Instruments: [Perpetual Cumulative Preference Shares (PCPS) / Redeemable Non-Cumulative Preference Shares (RNCPS) / Redeemable Cumulative Preference Shares (RCPS)]

NIL

NIL

NIL

NIL

400

NIL

400

NIL

Bank has considered the Revaluation Reserve and Deferred Tax Asset for CET1 Capital as prescribed by RBI vide its circular No. DBR.BP.BC.83/21.06.201/2015-16.


b. Investments:

Particulars (` in cr)1 Value of Investments 31.03.2018 31.03.2017

(i) Gross Value of Investments (a) In India 38,039.56 40,189.77 (b) Outside India 0.00 0.00

(ii) Provisions for Depreciation (a) In India 430.01 452.54 (b) Outside India 0.00 0.00

(iii) Net Value of Investments (a) In India 37,609.55 39,737.23 (b) Outside India 0.00 0.00

2. Movement of provisions held towards depreciation on investments(i) Opening balance(ii) Add: Provisions made during the year(iii) Less: Write-off during the year(iv) Less : Depreciation adjusted by reducing Book Value of Investment under AFS/HFT category

shifted to HTM(v) Less : Write-back of excess provisions during the year(vi) Closing balance

452.54218.54

0.00226.32

14.75 430.01

118.33334.21

0.000.00

0.00452.54

i. The category wise position of holding of “Investment Portfolio” is as under: (` in cr)

Categories 31.03.2018 31.03.2017Gross Value of Investment A. Held to Maturity 25,459.05 25,872.85 B. Available for Sale 12,579.19 13,911.25 C. Held for Trading 1.32 405.67 Total 38,039.56 40,189.77less : Depreciation 430.01 452.54Net Value of Investments 37,609.55 39,737.23

ii. REPO Transactions (in face value terms):(` in cr)

ParticularsMinimum outstanding

during the yearMaximum outstanding

during the yearDaily average out-

standing during the year

Balance as on 31.03.18

Securities sold under repo

i. Govt Securities

ii. Corporate Debt Securities

100.00

0.00

800.00

0.00

58.56

0.00

800.00

0.00

Securities purchased under reverse repo

i. Govt Securities

ii. Corporate Debt Securities62.00

0.00

2,700.00

0.00

718.11

0.00

800.00

0.00



iii. Non SlR Investment Portfolio: a. Issuer Composition of Non SLR Investment (As on 31.03.2018):

(` in cr)

Sl.No.

Issuer(1)

Amount(2)

Extent of private placement

(3)

Extent of ‘below investment

grade’ securities(4)

Extent of ‘un-rated’ securities

(5)

Extent of ‘un-listed’ securities

(6)

1 PSUs 2,303.25 1,995.20 0.00 0.002 Fls 1,031.77 996.78 0.00 1.203 Banks 97.17 67.50 0.00 0.004 Private Corporates 1,384.82 1,281.87 0.02 0.025 Subsidiaries/ Joint Ventures 19.33 19.33 18.28 18.286 Others 3,485.40 3,485.40 0.00 0.007 Sub Total 8,321.74 7,846.08 18.30 19.508 Less: Provision held towards depreciation 391.52

Total 7,930.22 7,846.08 18.30 19.50 b. Non-performing Non-SLR Investments:

(` in cr)

Particulars 2017-18 2016-17Opening balance 160.29 115.92Additions during the year 2.51 45.77Reductions during the year 1.28 1.40Closing Balance 161.52 160.29Total provisions held 151.77 141.42

Sale and Transfers to/ from HTM Categoryi. The value of sales and transfer of securities to/from HTM category did exceed 5% of the Book Value of investments held in HTM category at the

beginning of the year. Bank had sold securities having book value of ` 2,118.74 cr (8.19%) from HTM. Bank’s HTM portfolio as of 1st April 2017 was ` 25,872.85 cr. Book value & Market value of HTM portfolio as on 31-03-2018 is ` 25,459.05 cr & ` 25,233.66 cr respectively. Book value is in excess by ` 225.39 cr from market value for which provision is not made, being the HTM portfolio.

ii. The Bank has amortized premium of ` 73.13 cr during the year (Previous year ` 62.15 cr) for securities classified under “Held to Maturity” category in terms of Accounting Policy as stated at para 17.3, and the said amount has been charged to Profit and Loss Account by reducing value of the respective securities to that extent.

iii. In accordance with the guidelines issued by RBI, the Bank has shifted securities from one category to another during the year. The consequential depreciation on account of shifting securities from “Available for Sale” and “Held for Trading” category to “Held to Maturity” category has been charged to Profit & Loss Account by reducing book value of these securities, amounted to ` 376.87 cr (previous year ` 10.21cr) out of the total sum of ` 376.87 cr an amount of ` 226.32 cr which was already provided as depreciation as on March 2017 has been adjusted from the account of provision and the balance of ` 150.55 cr has been adjusted as loss from profit and loss account.

iv The Bank has an investment of `19.33 cr (Previous year ` 19.33 cr) in one Regional Rural Bank (RRB) sponsored by the Bank. This includes Investment of ` 18.28 cr (Previous Year ` 18.28 cr) by way of Share Capital deposits, towards recapitalization of the RRBs. Investment has been valued at cost in accordance with the RBI guidelines.

v. In terms of RBI circular DBR.No.BP.BC.102/21.04.048/2017-18 dated 2nd April, 2018, Out of the Total Net Mark to Market Losses of ` 110.36 cr on AFS and HFT Investments, Bank has recognized ` 38.49 cr depreciation in the FY 2017-18 and Balance amount of ` 71.87 cr has been deferred to be recognized equally in subsequent three quarters

18.6 Derivatives:a. Forward Rate Agreement/ Interest Rate Swap

S No Particulars 2017-18 2016-17I The notional principal of swap agreements NIL NILII Losses which would be incurred if counter parties failed to fulfill their obligations under the

agreementsNIL NIL

III Collateral required by the Bank upon entering into swaps NIL NILIV Concentration of credit risk arising from the swaps NIL NILV The fair value of the swap book NIL NIL



b. Exchange Traded Interest Rate Derivatives:

S No Particulars 2017-18 2016-17

I Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument wise) NIL NIL

II Notional principal amount of exchange traded interest rate derivatives outstanding as on 31st March. (instrument wise) NIL NIL

III Notional principal amount of exchange traded interest rate derivatives outstanding and not “highly effective”.(instrument wise) NIL NIL

IV Mark-to-market value of exchange traded interest rate derivatives outstanding and not “highly effective”.(instrument wise) NIL NIL

c. Disclosures on risk exposure in derivatives: i. Qualitative Disclosure The Treasury Policy & Derivative Policy of the Bank lays down the type of financial derivates instruments, scope of usages, approval

process as also the limits like the open position limits, deal size limits and counter party exposure limits besides delegated power for trading in the approved instruments.

Bank is exposed to credit risk, market risk, country risk and operational risk. Bank has risk management policies approved by the Board of Directors which is designed to measure the financial risks for transactions in the trading book on a regular basis. The Risk Management Department measures the financial risk for transactions through measurement tools such as MTM, VaR, Convexity and Modified Durations, and Sensitivity Analysis on a daily basis and Stress Testing, VaR Back Testing on a monthly basis. The reports are submitted to the Top Management which appraises the risk profile to the ALCO. The guidelines issued by RBI, FEDAI & FIMMDA from time to time are followed.

ii. Quantitative Disclosure (` in cr)

Sr. No

Particulars 2017-18 2016-17

Currency Derivatives

Interest rate derivatives

Currency Derivatives

Interest rate derivatives

(i) Derivatives (Notional Principal Amount)a) For hedgingb) For trading

25,946.6919,234.976,711.68

NILNILNIL

29,756.0819,714.7410,041.34

NILNILNIL

(ii) Marked to Market Positions

a) Asset (+) (-)3.67 NIL (-)708.73 NIL

b) Liability (-) 6.80 NIL 737.21 NIL

(iii) Credit Exposure 147.68 NIL 183.15 NIL

(iv) Likely impact of one percentage change in interest rate (100*PV01)

82.79 NIL 90.59 NIL

a) on hedging derivatives 69.34 NIL 60.01 NIL

b) on trading derivatives 13.44 NIL 30.58 NIL

(v) Maximum of 100*PV01 observed during the year 117.71 NIL 114.00 NIL

a) on hedging- 99.15 68.42

b) on trading 18.56 45.58

Minimum of 100*PV01 observed during the year 82.79 NIL 80.00 NIL

a) on hedging 69.34 NIL 54.73 NIL

b) on trading 13.44 NIL 25.27 NIL

1. Bank does not have the derivative transaction except Forward Contracts like Merchant Forward Contracts and Inter Bank Contracts done for Arbitrage, Funding and Merchant Transactions covering and Proprietary Trading activities.

2. Bank is calculating PV01 of outstanding Forward Exchange Contract on quarterly basis collectively on hedging and trading positions.



18.7 Asset Quality: a. Non Performing Assets:

( ` in cr)

Particulars 2017-18 2016-17i. Net NPA to Net Advances (%) 11.95 10.66ii. Movement of NPAs (Gross)Opening Balance 12,618.73 8,560.49Additions during the year 6,008.47 6,767.37Reductions during the year 2,265.76 2,709.13Closing Balance 16,361.44 12,618.73iii. Movement of Net NPAsOpening Balance 7,735.12 5,230.47Additions during the year 3,819.56 4,574.40Reductions during the year 3,715.90 2,069.75Closing Balance 7,838.78 7,735.12iv. Movement of Provision for NPAs(Excluding provision on Standard Assets) Opening Balance 4,877.67 3,322.32Add: Provisions made during the year 4,281.80 2,457.75Less: Write off / write back of excess provisions during the year 679.39 902.40Closing balance 8,480.08 4,877.67

b. Details of Financial assets sold to Securitisation /Reconstruction Company for Asset Reconstruction: (` in cr)

Particulars 2017-18 2016-17i. No. of accountsii. Aggregate value (net of provisions) of accounts sold to SC/RCiii. Aggregate considerationiv. Additional consideration realized in respect of accounts transferred in earlier yearsv. Aggregate gain over Net Book Value (NBV)

798.70

286.490.00

187.79

22247.99324.49

0.0076.50

c. Detailsofnon-performingfinancialassetspurchased/sold i Details of non-performing financial assets purchased:

(` in cr)

Particulars 2017-18 2016-17No. of accounts purchased during the year NIL NILAggregate outstanding NIL NILOf these, number of accounts restructuredduring the year

NIL NIL

Aggregate outstanding NIL NIL

ii Detailsofnon-performingfinancialassetssold: (` in cr)

Particulars 2017-18 2016-17No. of accounts sold NIL NILAggregate outstanding NIL NILAggregate consideration received NIL NIL

d. Provision Coverage Ratio (PCR)

Particulars 2017-18 2016-17Provision Coverage Ratio 60.20% 50.56%

As on Balance Sheet Date Provision Coverage Ratio is 60.20% calculated as per RBI circular no. RBI2009-10/240 DBOD.No.BP.BC.64/21.4.048/2009-10 dated 01.12.2009. In terms of RBI circular no. DBOD.No.BP.BC. 87/21.04.048 /2010-11 April 21, 2011 on PCR, shortfall of ` 1,930.66 cr in Countercyclical Provisioning Buffer (Previous Year ` 3,041.43 cr), is to be built up by the Bank at the earliest.



e. Additional Disclosure requirements relating to sale of non-performing assets (NPAs) to Securitisation Companies(SCs)/ Reconstruction Companies (RCs)

As per RBI circular no. RBI/2014-15/508 DBR.No.BP.BC.78/21.04.048/2014-15 dated March 20, 2015, the details of sale of NPAs to SCs and RCs are as below:

(` in cr)

Particulars Book Value of Investments in security receipts

2017-18 2016-17Backed by NPAs sold by the Bank as underlying 638.86 611.06Backed by NPAs sold by other Banks/ financial institutions/non banking financial companies as underlying NIL

NIL

Total 638.86 611.06 f. As per RBI circular no. RBI/2014-15/508 DBR.No.BP.BC.78/21.04.048/2014-15 dated March 11,2015, during the FY 2016-17, Bank has

reversed an excess provision amounting to ` NIL (PY ` NIL ) on account of sale of NPAs.

g. Movement of Frauds(` in cr)

2017-18 2016-17Number Amount Number Amount

Opening Balance 576 1,675.09 533 1,207.00Add: Reported During the year 28 147.08 43 468.09Less: Closed during the year 0 0.00 0 0.00Closing Balance 604 1,822.17 576 1,675.09

h. Food Credit Exposure: Bank’s exposure in food credit to Food Corporation of India (FCI) was aggregating to ` 568.97 Crs (PY ` 917.37 cr). Out of this, exposure to Government of Punjab (GoP) was ` 327.85 cr (PY `339.78 cr). There was a gap between outstanding Food Credit to GoP and Value of Stock and receivables for which neither GoP nor FCI was accepting liability. RBI vide their letter dated 12.04.2016 informed the Secretary, Department of Expenditure, Ministry of Finance to make provision @ 15% by March 2017. Thereafter RBI vide their letter No DBR(BP) No 3992/21.04.048/2016-17 dated 03.10.2016 informed the Chairman that account will be eligible for up gradation and write back of provisions post January 2018, subject to satisfactory performance during this specified period. However, upon up gradation, as a matter of prudence, specific provision of 5% should be maintained by banks during the life of this restructured loan. Accordingly, Bank has made provision of ` 16.39 cr (PY ` 50.97 cr) @ 5% on its share of outstanding balance.

Further, as per Minutes of Consortium Meeting dated 27.03.2018, Lead Bank SBI informed that in case of Food Credit Exposure to Govt. of Telangana, due to absence of adequate value of stocks, GoT Food Credit account was considered as out of order by RBI and as such RBI has advised to maintain a prudential provision of 15% on the outstanding amount. Accordingly, Bank has made provision of ` 5.65 cr (PY Rs. NIL ) @ 15% on its share of outstanding balance.

i. RBI vide its circular no DBR.NO.BP.BC.101/21.04.048/2017-18 dated 12th February 2018, has issued revised framework on Resolution of Stressed Assets. In pursuance to the revised framework the bank has classified specific 12 accounts for ` 827.77 Crores as non performing and accordingly made provision towards such stressed accounts for ` 286.33 Crores. Impact in RBI Circular dated 12.02.2018 on resolution of Stressed Assets as on 31.03.2018 is as under:

(` in cr)

No of A/c Amount Additional Provision due to revised guidelines

Accounts slipped to NPA due to revised guidelines. 12 827.77 212.23Accounts remained Standard which were already implemented as on 12.02.2018.

3066 3,307.44 Nil

j. As per the RBI directions vide letter No. DBR.No.BP.BC.100/21.04.048/2017-18 dated February 07, 2018 for Relief for MSME borrowers registered under Goods and Services Tax (GST), 50 MSME borrower accounts (Loan outstanding amount of ` 51.14 Crs as on 31.03.2018) are eligible to be covered under provisions of relief, the Bank was required to make a provision of 5% i.e. ` 2.55 Crs. Accordingly provision of ` 2.55 Crs has been made during the quarter ending March 2018.

18.8 Provision for Standard Assets:

(` in cr)

Particulars 2017-18 2016-17Provision for Standard Assets made during the year (158.64) 51.11Balance of Provision for Standard Assets as on the Balance Sheet Date 475.29 633.93



18.9 Business Ratios:

Particulars 2017-18 2016-17i. Interest Income as a percentage to Working funds 7.38% 7.87%ii. Non-Interest Income as a percentage to Working funds 0.96% 0.97%iii. Operating Profit as a percentage to Working Funds 0.97% 1.07%iv. Return on Assets -1.59% -0.67%v. Business (Deposits plus advances) per employee (` in cr) 13.25 13.69vi. Profit per employee (` in lacs) -14.13 -6.18

18.10 Asset liability Management: Maturity pattern of certain items of assets and liabilities:

(` in cr)

Particulars Day1

2 to7days

8 to 14 days

15 to 30 Days

31 Days to 2

Months

More than 2 Months and up to 3 Months

Over 3 Months

and up to 6months

Over 6 months & upto 1

year

Over 1 Year & up to 3 Years

Over 3 Years & up to 5 Years

Over 5 Years

Total

Deposits 174.13 1,662.97 1,478.06 2,398.51 3,394.91 6,433.19 11,375.74 20,917.44 25,246.03 14,010.19 19,038.96 10,6130.14

Borrowings 0.00 400.00 0.00 400.00 0.00 106.00 0.00 200.00 300.00 0.00 2,155.00 3561.00

Advances 198.84 1,310.16 1,435.90 727.23 1,951.87 1,369.51 4,102.88 3,295.83 24,134.49 6,442.51 20,612.29 6,5581.51

Investments 0.00 200.47 126.54 82.28 81.98 83.78 109.11 2,032.78 2,415.11 5,126.99 27,350.51 37,609.55

Foreign Cur-rency Assets 62.72 74.44 31.29 75.01 184.48 516.26 280.47 8.68 0.00 0.00 0.00 1,233.34

Foreign Currency Liabilities 79.88 5.53 5.77 9.34 32.58 24.04 116.77 340.00 336.92 35.26 0.00 986.08

18.11 Exposures:

a. Exposure to Real Estate Sector:

(` in cr)

Category 2017-18 2016-17

a. Direct Exposure i. Residential Mortgages - Individual Housing Loans eligible for inclusion in priority sector - Others

4,081.634,056.40

3,297.873,752.21

Total 8,138.03 7,050.08ii. Commercial Real Estate Lending secured by mortgages on commercial real estate (office building, retail space, multipur-

pose commercial premises, multifamily residential building, multi tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction etc)

Exposure would also include non fund based (NFB) limits

719.19 1,228.33

iii Investment in Mortgage Backed Securities (MBS) and other securitised exposures a. Residential b. Commercial real estate

0.000.00

0.000.00

b. Indirect Exposure on National Housing Bank (NHB) and Housing Finance Companies (HFCs) - Fund Based - Non-Fund Based

3,963.020.00

2,508.730.00

Total Exposure to Real Estate Sector 12,820.24 10,787.14



b. Exposure to Capital Market:

(` in cr)

Sr. No.


1 Direct investment in equity shares, convertible bonds, convertible debentures and units of equity-oriented mutual funds the corpus of which is not exclusively invested in corporate debt 50.04 63.35

2 Advances against shares/bonds/debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ ESOPS), convertible bonds and convertible debentures, units of equity oriented mutual funds

0.09 0.05

3 Advances for any other purposes where convertible shares or convertible bonds or convertible debentures or units of equityoriented mutual funds are taken as primary security;

0.18 0.07

4 Advances for any other purposes to the extent secured by the collateral security of shares or con-vertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the pri-mary security other than shares /convertible bonds / convertible debentures /units of equity oriented mutual funds does not fully cover the advances;

0.00 0.00

5 Secured and unsecured advances to stockbrokers and guarantees issued on behalf of stockbrokers and market makers 0.00 40.00

6 Loans sanctioned to corporate against the security of shares / bonds/debentures or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources;

0.00 0.00

7 Bridge loans to companies against expected equity flows/issues; 0.00 0.008 Underwriting commitments taken up by the Bank in respect of primary issue of shares or convertible

bonds or units of equity oriented mutual funds 0.00 0.00

9 Financing to stockbrokers for margin trading 0.00 0.0010 All exposures to Venture Capital Funds (both registered and unregistered) 39.80 44.34

Total Exposure to Capital Market 90.11 147.81

18.12 Risk Category wise Country Exposure:

a. In respect of Foreign Exchange transactions, where the Bank’s net funded exposure computed as per the guidelines of the RBI with each country exceeded 1% of the total assets of the Bank, the Bank is required to make the provision. Since, Bank’s net funded exposure in any country does not exceed 1% of total assets, no provision (Previous year NIL) is made.

(` in cr)

Risk Category* Exposure (net) as on 31/03/2018

Provision held as on 31/03/2018

Exposure (net) as on

31/03/2017

Provision held as on

31/03/2017Insignificant 258.12 0.00 311.96 0.00Low Risk 162.12 0.00 195.77 0.00Moderate Risk 8.36 0.00 12.37 0.00High Risk 16.16 0.00 0.00 0.00Very High Risk 0.00 0.00 0.25 0.00Restricted 0.00 0.00 0.00 0.00Off Credit 0.00 0.00 0.00 0.00Total 444.76 0.00 520.34 0.00

b. Details of Single Borrower Limit (SGL), Group Borrower Limit (GBL) exceeded by the Bank

During the year 2017-18, the Bank has not exceeded prudential credit exposure limit in respect of group/single borrower.

18.13 Unsecured Advances (` in cr)

No. Particulars 2017-18 2016-171. Total Unsecured Advances as of 31.03.18 5,282.70 6,731.272 a Out of which secured by intangible securities 0.00 0.00

2 b Estimated Value of Such Collateral Securities (such as charge over the rights, licenses, authorization etc) 0.00 0.00

3 Other Unsecured Loans (1 – 2a) 5,282.70 6,731.27

18.14 Disclosure of penalties imposed by RBI During the year RBI has imposed NIL penalty (P.Y. NIL).



18.15 DISClOSURES AS PER ACCOUNTING STANDARDS (AS): a. AccountingStandard-5–“NetProfitorLossforthePeriod,PriorPeriodItemsandChangesinAccountingPolicies” There were no material prior period income/expenditure items requiring disclosure under AS-5

b. Accounting Standard - 9 – “Revenue Recognition” Certain items of income are recognized on realization basis as per Accounting Policy as stated at point no. 17.9.

c. Accounting Standard - 10 – “Accounting for Fixed Assets” Premises does not include non-banking Assets acquired in satisfaction of claims of ` 9.86 cr (Previous Year ` 9.86 cr). Fixed Assets are

depreciated under Straight Line Method on the basis of useful life prescribed under schedule-II of the Companies Act 2013 for the respective assets.

d. Accounting Standard - 11 – “The Effects of Changes in Foreign Exchange Rates” Net income on account of exchange differences credited in the Profit and Loss account for the year 2017-18 is ` 45.43 cr (previous year

` 33.04 cr)

e. AccountingStandard-15–“EmployeeBenefits” The following information is disclosed in terms of Accounting Standard issued by the ICAI.

No. Particulars 2018 2017 2016 2015 2014A PENSION PlAN(i) Principal Actuarial Assumptions used

Discount RateRate of Return on Plan assetsSalary escalation

7.69%7.45%5.00%

7.50%8.06%5.00%

8.00%9.00%5.00%

8.00%9.00%5.00%

8.75%9.00%5.00%

(ii) ChangeinBenefitObligation:Liability at the beginning of the yearInterest CostCurrent Service CostBenefit paidActuarial (gain)/loss on obligationLiability at the end of the year

2,896.12 211.14

165.62[300.88]381.32

3,353.32

2,481.75175.55341.29

[282.22]179.75

2,896.12

2158.66161.01228.43

[292.09]225.74

2481.75

1,917.94144.85210.93

[214.78]99.72

2158.66

1,761.94149.98202.02

[190.88][5.12]

1,917.94(iii) Fair value of Plan Assets:

Fair value at the beginning of the yearExpected returnContributionsBenefit PaidActuarial Gain/(loss) on Plan AssetsFair Value at the end of the year

2,953.13220.01481.40

[300.88]8.60

3,362.26

2,654.04213.92365.92

[282.22]1.47

2,953.13

2,230.81200.77506.80

[292.09]7.75

2654.04

1,767.44159.06450.37

[214.77]68.71

2,230.81

1,606.82144.61183.54

[190.87]23.34

1,767.44(iv) Amount recognized in the Balance Sheet:

Liability at the end of the yearFair value of Plan Assets at the end of the yearUnrecognized Transition LiabilityAmount Recognized in the Balance Sheet

3,353.323,362.26

0.00 8.94

2,896.122,953.13

0.0057.01

2,481.752,654.04

0.00172.29

2,158.662,230.81

0.0072.15

1,917.941,767.44

70.80[79.70]

B GRATUITY PlAN(i) Principal Actuarial Assumptions used

Discount RateRate of Return on Plan assetsSalary escalation

7.75%8.18%5.00%

7.50%8.78%5.00%

8.00%9.00%5.00%

8.00%9.00%5.00%

8.75%9.00%5.00%

(ii) ChangeinBenefitObligation:Liability at the beginning of the yearInterest CostCurrent Service CostPast Service CostBenefit paidActuarial (gain)/loss on obligationLiability at the end of the year

332.4523.869.140.00

[49.19[0.40]

315.86

311.8821.6323.090.00

[46.84]22.69

332.45

280.3016.7717.090.00

[57.42]55.14

311.88

277.7620.3915.350.00

[45.76]12.56

280.30

311.1225.8517.060.00

[47.68][28.59]277.76

(iii) Fair value of Plan Assets:Fair value at the beginning of the yearExpected returnContributionsBenefit PaidActuarial Gain/(loss) on Plan AssetsFair Value at the end of the year

332.8427.2333.66

[49.19][4.38]

340.16

277.6124.3775.84

[46.84]1.86

332.84

302.9722.7216.23

[57.42][6.89]

277.61

309.8227.880.00

[45.77]11.04

302.97

276.0324.8457.10

[47.68][0.47]

309.82



No. Particulars 2018 2017 2016 2015 2014(iv) Amount recognized in the Balance Sheet:

Liability at the end of the yearFair value of Plan Assets at the end of the yearUnrecognized CostUnrecognized Transition LiabilityAmount Recognized in the Balance Sheet

315.86340.16

0.0072.6096.90

332.45332.84

0.000.000.39

311.88277.61

0.000.00

[34.27]

280.30302.97

0.000.00

22.67

277.76309.82

0.000.00

48.06

AmountsRecognizedinProfit&LossAccountinrespectofGratuityandPensionplanforCurrentYear(` in cr)

Sr no. Particulars Gratuity Pension(i) Actual return on Plan Assets

Expected return on Plan AssetsActual gain/(loss) on Plan AssetsActual return on Plan Assets

27.23(4.38)22.85

220.018.60

228.61(ii) Expenses recognized in the Income Statement:

Current Service CostInterest CostExpected Return on Plan assetsActuarial (Gain) or LossTransitional Liability RecognizedExpenses Recognized in P&L

9.1423.86

(27.23)3.98

24.2033.95

165.62211.14

(220.01)372.72

0.00529.47

DetailsofProvisionsmadeforvariouslongtermemployeebenefitsareasfollows: (` In cr)

Sr. No.


1 Pension 529.30 481.202 Leave encashment (9.51) 7.463 Gratuity 33.95 41.184 Silver Jubilee (0.01) 0.045 Resettlement (0.19) 0.136 Leave Travel Concession 0.28 0.66

TOTAl 553.82 530.67

i. Provision has been made for Employees Benefits viz; Pension, Gratuity, Leave Encashment and other Employees benefits in accordance with AS-15 on the basis of actuarial valuation.

ii. In terms of RBI Letter No. DBR.No.BP.9730 21.04.018//2017-18 dated 27th April, 2018, Out of the Total additional liability of ` 96.80 cr on account of enhancement in the gratuity limit as per the recent amendment in payment of gratuity Act ( As per the Govt. of India notification dated 29.03.2018), Bank has recognized ` 24.20 cr in the FY 2017-18 and Balance amount of ` 72.60 cr has been deferred to be recognised equally in subsequent three quarters

f. Accounting Standard – 17 - “Segment Reporting” As per the Reserve Bank of India revised guidelines on Accounting Standard -17, the Bank’s Operations are classified into Primary Segment,

i.e., the business segment comprising of “Treasury”, “Corporate/ Wholesale Banking”, “Retail Banking” and “Other Banking Operations”, as follows:

PART A : Business Segments (` In cr)

Business Segment Treasury Corporate/ wholesale

Banking Retail Banking Other Banking Operations Total

Particulars

Current year

Previous year

Current year

Previous year

Current year

Previous year

Current year

Previous year

Current year Previous year

Revenue 3,211.00 3,791.92 3,569.14 4,812.40 2,649.22 2,339.90 666.39 488.85 10,095.75 11,433.07Result 602.56 625.73 (2,785.90) (1,094.84) (293.62) (150.61) 404.55 369.52 (2,072.41) (250.20)Unallocated Expenses

1,106.34 1,025.15

Operating Profit (3,178.75) (1,275.36)

Income Taxes (1,255.60) (411.73)



Extraordinary Profit/LossNet Profit (1,923.15) (863.63)Other Information

Segment Assets 43,794.66 46289.51 39877.13 44,612.88 26909.94 29199.74 5734.21 6120.82 116,315.94 126,222.95

Unallocated Assets

4543.86 3,307.57

Total Assets 120,859.80 129,530.52

Segment Liabilities

47654.43 50361.23 39394.47 43388.41 24307.52 27103.37 85.04 827.65 111,441.46 121,680.66

Capital Employed

9,202.80 7,685.15

Unallocated Liabilities

215.54 164.71

Total Liabilities 120,859.80 129,530.52

PART B : Geographical Segments (Rs. In Cr)

Domestic International Total31.03.2018 31.03.2017 31.03.2018 31.03.2017 31.03.2018 31.03.2017

Revenue 10,095.75 11,433.07 Nil Nil 10,095.75 11,433.07Assets 120,859.80 129,530.52 Nil Nil 120,859.80 129,530.52

Notes:1) Segment Results are after adjustment on account of Inter Segment Cost, which has been considered on the basis of Transfer Price mechanism

decided by the Bank.2) Assumed Inter Segment Assets, Liabilities and Revenue have been ignored.3) Treasury Operations consist of entire treasury investment portfolio of the Bank.4) Unallocated liabilities include Capital and Reserves.

g. Accounting Standard- 18 – “Related Party Transactions”

Items/ RelatedParty

Parent(as per

ownershipor control)

Subsidiaries Associates/ Joint

ventures #

Key Management

Personnel

Relatives of Key

Management Personnel

Total

Borrowings - - - - - -Deposit - - 644.50

(796.77)- - 644.50

(796.77)Placement ofdeposits

- - - - - -

Advances * - - 594.35(342.72)

- - 594.35(342.72)

Investments - - 2.00(2.00)

2.00(2.00)

Non-funded commitments - - - - - -Leasing/HP arrangements availed - - - - - -Leasing/HP arrangements provided - - - - - -Purchase of fixed assets - - - - - -Sale of fixed assets - - - - - -Interest paid by DGGB - - 10.91

(6.91)- - 10.91

(6.91)Interest received by DGGB (IBPC) - - 3.86

(7.14)- - 3.86

(7.14)Interest Received by DGGB - - 44.93

(72.28)- - 44.93

(72.28)Interest Received by DGGB on Tier II Bonds

0.18(0.18)

0.18(0.18)

Rendering of services* - - - - - -Receiving of services* - - - - - -Management contracts* - - - - - -



(Figures in the Bracket are of previous financial year 2016-17)

* Out of ` 594.35 cr (Previous Year ` 342.72 cr), Dena Bank participation amount in IBPC is ` NIL (Previous Year ` 120.00 cr) issued by DGGB on risk sharing basis representing various loans to Priority Sector.

DGGB has participated in IBPC ` NIL (Previous Year ` 120.00 cr) issued by Dena Bank on risk sharing basis representing various loans to Non-Priority Sector.

Key Management Personnel

Name Designation Nature Period Amount(` in lacs)

loan Amount(` in lacs)

Shri Ashwani Kumar Chairman & Managing Director

Salary Emoluments & Incentives

01.04.2017 to 31.12.2017 21.23 NIL

Smt Trishna Guha Executive Director Salary Emoluments & Incentives

01.04.2017 to 31.08.2017 10.05 NIL

Shri Ramesh S Singh Executive Director Salary Emoluments & Incentives

01.04.2017 to 31.03.2018 23.31 19.77

Dr. Rajesh Kumar Yaduvanshi Executive Director Salary Emoluments & Incentives

09.10.2017 to 31.03.2018 11.05 NIL

h. Accounting Standard 20 – “Earnings per Share”

Earnings Per Share31.3.2018 31.3.2017

Basic Diluted Basic Diluted

EPS (`) [18.06] [18.06] [11.89] [11.88]

Net Profit as per Profit & Loss Account Considered as numerator (` in cr) [1,923.15] [1,923.15] [863.63] [863.63]

Weighted average number of Equity share considered as denominator 1,064,904,587 1,064,904,587 726,218,673 726,783,829

Nominal value of share (`) 10/- 10/- 10/- 10/-

l. Accounting Standard 21 – “Consolidated Financial Statements (CFS)”

The Bank is not having any subsidiaries, within the meaning of this Standard; therefore, this Accounting Standard does not apply.

j. Accounting Standard 22 – “Accounting for Taxes on Income” The Bank has complied with requirements of “AS-22 issued by ICAI and accordingly, deferred tax assets and liabilities are recognized.

The net balance of Deferred Tax Asset as on 31st March 2018 amounting to 2,975.52 cr (Previous Year 1,719.92 cr) consists of the following:

(` in cr)

2017-18 2016-17Deferred Tax AssetsProvision for NPAs / Bad Debts 2,996.72 1,743.67Leave Encashment 47.46 50.75Expenditure disallowable under section 40(a)(ia) 0.00 0.09Provision for FITL 42.81 57.15Provision for NPV on restructured accounts 46.51 27.55Total Deferred Tax Assets 3,133.50 1,879.21less: Deferred Tax liabilitiesDepreciation on Fixed Assets including software 34.68 36.25Amount of special reserve created for infrastructure u/s 36(1)(viii) 123.04 123.04Expenditure disallowable under section 40(a)(ia) 0.26Total Deferred Tax Liabilities 157.98 159.29Net balance of DTA shown in the Schedule 11 (Other Assets) 2,975.52 1,719.92

Based on the thorough review and on the expert advice of Bank’s Tax Consultant, the Bank has estimated future taxable income against which timing difference arising on account of provisions for Bad & Doubtful Debts (NPA) can be realized and accordingly during the year 2017-18, the Bank has recognized deferred tax assets of ` 1,255.60 crores (cumulatively ` 2,975.52 crores assets as on 31/03/2018) in respect of the above on such timing difference based on reasonable certainty of availability of future taxable income against which such deferred tax assets can be realized.



k. Accounting Standard 23 – “Accounting for Investments in Associates in Consolidated Financial Statements” Consolidated Financial Statements have not been prepared due the reason stated in Note 18 (j) above. The Bank has made an investment in

equity of Dena Gujarat Gramin Rural Bank of ` 19.33 cr ( Previous year ` 19.33 cr) as at 31.03.2018. The same has been accounted for at Cost.

l. Accounting Standard - 24 – “Discontinuing Operations” No operations have been discontinued in the Bank during the year.

m. Accounting Standard - 25 – “Interim Financial Reporting” Bank has complied with this Accounting Standard

n. Accounting Standard - 28 – “Impairment of Assets” In the opinion of the Management, there is no impairment to its assets.

o. Accounting Standard - 29 – “Provisions, Contingent liabilities and Contingent Assets”

i Movement of Provisions for Contingent Liabilities

(` In cr)

Particulars legal Cases / ContingenciesTotal provision as on 31.03.2017 7.79Provision during the year 3.38Amounts used during the year 0.04Reversed during the year 0.37Balance as at 31st March 2018 10.76Timing of Outflow / Uncertainties Not ascertainableReimbursement Expected Not ascertainable

ii. Item No’s (I) to (V) of the Schedule - 12 of the Balance Sheet on contingent liabilities, reflect the various types of contingent liabilities categorized according to their nature. These amounts are estimated on the basis of documents related to the basic contracts or claims made. Outflow on account of these contingent liabilities would depend upon the outcome of disposal of litigations by the respective judicial authorities, execution of contracts, invocation of guarantees, devolvement of LCs, settlement of claims etc.

18.16 Details of Provisions and Contingencies debited to the Profit and Loss Account during the year:

(` in cr)

Sr. No Particulars 2017-18 2016-17(i) Provision for Non Performing Assets 4,281.80 2,457.75(ii) Provision for Income Tax/Wealth Tax 0.00 64.93(iii) Deferred Tax Liability /(Assets)(Net) [1,255.60] [476.66](iv) Provision for Standard Assets [158.64] 51.11(v) Provision for Sacrifice in NPV on restructured accounts 54.80 [76.70](vi) Provision For FITL [41.44] [96.02](vii) Provision for Depreciation on Investments 203.79 334.22(viii) Contingent liabilities 3.38 0.06(ix) Provision for unhedged foreign currency 4.37 [10.33](x) Others 1.85 5.49

Total 3,094.31 2,253.84

18.17 Amount of Provisions made for Income Tax /MAT during the year:a. The Bank has recognized Income Tax liability of ` NIL cr [previous year ` 116.31 cr] on Book Profits in terms with Section 115JB of the Income

Tax Act out of which MAT credit of ` NIL cr [ previous year ` 51.38 cr] as MAT Credit entitlement u/s 115JAA of the Income Tax Act, 1961 has been recognized. The MAT credit entitlement is treated as an asset.

b. Amount of provision made for Income-tax during the year;

(` in cr)

Particulars 31.03.2018 31.03.2017Provision for Income-tax/Wealth Tax for the year 0.00 64.93Add/Less: Provided for/(Written back) for earlier years 0.00 0.00Net Amount 0.00 64.93



18.18 Premises include 1/3rd share in a property [SPBT College Mumbai] jointly owned by the Bank with Central Bank of India, as under:

(` in cr)

Bank’s share 31.03.2018 31.03.2017Cost 2.36 2.36Accumulated Depreciation 1.18 1.14Written Down Value 1.18 1.22

The property belonging to the Bank was revalued during the year 2016 and written down value of the revalued property as on 31.03.2018 is ` 76.01 cr (Previous Year ` 76.40 cr)

18.19 Floating Provision ( ` in cr)

Particulars 31.03.2018 31.03.2017(a) OpeningBalanceinfloatingprovisionsaccount NIL NIL(b) Thequantumoffloatingprovisionsmadeintheaccountingyear NIL NIL(c) Amount of draw down made during the accounting year NIL NIL(d) Closingbalanceinthefloatingprovisionsaccount NIL NIL

18.20 The advances covered by Bank/ Govt. Guarantee amounting to ` 2,119.52 cr [PY ` 1,711.30 cr][shown in Schedule – 9 Para B (ii)] include ` 1,197.78 cr [PY ` 786.69 cr] guaranteed by various State Governments for FY 2017-18.

18.21 Draw Down from Reserve

There are no draw down of reserves during the year 2017-18.

18.22 i) Customer complaints:

SrNo

Particulars 2017-18General ATM/ Debit Card/

Internet BankingTotal

a) No. of complaints pending at the beginning of the year 24 4471 4495b) No. of complaints received during the year 5,014 85,250 90,264c) No. of complaints redressed during the year 5,009 89,215 94,224d) No. of complaints pending at the end of the year 29 506 535

ii) Awards passed by the Banking Ombudsmen:

Sr Particulars 2017-18a) No. of unimplemented awards at the beginning of the year NILb) No. of awards passed by Banking Ombudsmen during the year NILc) No. of awards implemented during the year NILd) No. of unimplemented awards at the end of the year NIL

18.23 Disclosure of Letter of Comforts (LOCs) issued by the Bank A total of 1,097 Guarantees/ Letter of Undertaking amounting to ` 1,486.43 cr (equivalent to USD 230.63 million) were issued in respect of

Buyer’s Credit during the period April 2017 to March 2018 (Previous Year ` 1,990.90 cr).

The outstanding Guarantees/ Letter of Undertakings as of March 31, 2018 stood at ` 391.92 cr equivalent to USD 60.21 million (Previous Year the same was ` 624.22 cr).

18.24 Bancassurance Business During the F.Y. 2017-18, the Bank has earned commission income of ` 11.09 cr (including ` 1.84 cr income from PMJJBY & ` 0.29 cr from

PMSBY (received as administrative expenses) as compared to ` 7.40 cr (including ` 1.66 cr PMJJBY income) during corresponding period of F.Y. 2016-17 from Bancassurance Business.

SheDuLeS FORMING PART OF BALANCe SheeT


18.25 Concentration of Deposits(` in cr)

Particulars 2017-18 2016-17Total Deposits of Twenty Largest Depositors 6,090.67 11,501.50Percentage of Deposits of Twenty Largest Deposits to Total Deposits of the Bank 5.74% 10.09%

18.26 Concentration of Advances (` in cr)

Particulars 2017-18 2016-17Total Advances of Twenty Largest Borrowers 9,487.37 13,669.76Percentage of Advances of Twenty Largest Borrowers to total Advance of the Bank 11.22% 15.58%

18.27 Concentration of Exposures (` in cr)

Particulars 2017-18 2016-17Total Exposure of Twenty Largest Borrowers / Customers 16,357.54 19,329.85Percentage of Exposure to Twenty Largest Borrowers/ Customers to Total Exposure of the Bank on Bor-rowers / Customers

14.40% 14.92%

18.28 Concentration of NPAs (` in cr)

Particulars 2017-18 2016-17Total Exposure to top four NPA Accounts 2,638.87 2,120.64

18.29 Sector wise Advances & NPA(` in cr)

S No Sector 2017-18 2016-17@Outstanding

Total AdvancesGross NPAs % of Gross

NPAs to Total Advances in

that sector

Outstanding Total Advances

Gross NPAs % of Gross NPAs to Total Advances in that sector

A Priority Sector1. Agriculture & Allied Activi-

ties 13,346.75 2,157.28 16.16 13,043.89 1,677.04 12.86

2. Advances to industries sec-tor eligible as priority sector lending

5,066.23 1,666.21 32.89 5,939.01 1,244.29 20.95

3. Services 5,831.44 1,070.50 18.36 6,519.12 686.53 10.534. Personal Loans 4,644.96 212.80 4.58 3,515.79 152.39 4.33

Subtotal (A) 28,889.38 5,106.79 17.68 29,017.81 3,760.25 12.96

B Non Priority Sector1. Agriculture & Allied Activi-

ties 0.00 0.00 0.00 0.00 0.00 0.00

2. Advances to industries 22,974.07 10,660.71 46.40 21,546.88 7,796.78 36.193. Services 638.95 166.48 26.06 2,169.17 410.92 18.944. Personal Loans 25,707.89 2,624.39 10.21 26,637.81 2,484.61 9.33

Subtotal (B) 49,320.91 13,451.58 27.27 50,353.86 10,692.31 21.23Less PWO 2,196.93 2,196.93 0.00 18,33.83 1,833.83 0.00Less IBPC 1,774.79 0.00 0.00 0.00 0.00 0.00Total (A+B) 74,238.57 16,361.44 22.04 77,537.84 12,618.73 16.27

· @Gross NPA Advances and Gross NPA Ratio for the Previous year (2016-17) are based on total advances i.e. priority as well as non priority advances.



18.30 Movement of NPAs(` in cr)

Particulars 2017-18 2016-17Gross NPAs as on 1st April of particular year (Opening Balance) 12,618.73 8,560.49Additions (Fresh NPAs) during the year 6,008.47 6,767.37Sub-total (A) 18,627.20 15,327.86Less:-(i) Upgradations 673.40 755.87(ii) Recoveries (excluding recoveries made from upgraded accounts) 931.24 1,119.87(iii) Technical/ Prudential Write-offs 560.00 665.00(iv) Write-offs other than those under (iii) above 101.12 168.39Sub-total (B) 2,265.76 2,709.13Gross NPAs as on 31st March of particular year (closing balance) (A-B) 16,361.44 12,618.73

(` in cr)

Particulars 2017-18 2016-17Opening balance of Technical/ Prudential written-off accounts as at April 1 3,026.92 2,519.58Add: Technical/ Prudential write-offs during the year 560.00 665.00Sub-total (A) 3,586.92 3,184.58Less: Recoveries made from previously technical/prudential written-off accounts during the year (B)

108.77 108.05

Closing balance as at March 31 (A-B) # 3,332.36 3,026.92# Closing Balance is net of the resultant write off (The sacrifice incurred on account of settlement closure of prudentially written off accounts)

18.31 DivergenceinAssetClassificationandProvisioningforNPAs–(refDBR.BP.BC.No.63/21.04.018/2016-17datedApril18,2017(` in cr)

Sr Particulars Amount1. Gross NPAs as on March 31, 2017 as reported by the bank 12,618.722. Gross NPAs as on March 31, 2017 as assessed by RBI 13,016.483. Divergence in Gross NPAs (2-1) 397.754. Net NPAs as on March 31, 2017 as reported by the bank 7,735.115. Net NPAs as on March 31, 2017 as assessed by RBI 7,773.106. Divergence in Net NPAs (5-4) 37.997. Provisions for NPAs as on March 31, 2017 as reported by the bank 4,877.678. Provisions for NPAs as on March 31, 2017 as assessed by RBI 5,237.439. Divergence in provisioning (8-7) 359.7610. Reported Net Profit after Tax (PAT) for the year ended March 31, 2017 (863.62)

11. Adjusted (notional) Net Profit after Tax (PAT) for the year ended March 31, 2017 after taking into account the diver-gence in provisioning (1,223.38)

18.32 Overseas Assets, NPA & Revenue(` in cr)

Particulars 2017-18 2016-17Total Assets ( Nostro Balances and Depo Placements) 9.60 171.18Total NPAs - -Total Revenue 49.30 35.72

18.33 Bank has not sponsored any Special Purpose Vehicle.

Name of the SPV sponsored Domestic Overseas

Nil



18.34 Disclosures Related to Securitisation(` in cr)

S.No Particulars 2017-181. No of SPVs sponsored by the Bank for securitisation transactions* NIl2. Total amount of securitised assets as per books of the SPVs sponsored by the Bank3. Total amount of exposures retained by the Bank to comply with MRR as on the date of balance sheet

a. Off-balance sheet exposuresFirst lossOthers

b. On-balance sheet exposuresFirst lossOthers

4. Amount of exposures to securitisation transactions other than MRRa. Off-balance sheet exposures

i) Exposure to own securitizationsFirst lossOthers

ii) Exposure to third party securitisationsFirst lossOthers

b. On-balance sheet exposuresi) Exposure to own securitizations

First lossOthers

ii) Exposure to third party securitisationsFirst lossOthers

18.35 Credit Default Swaps The Bank does not have any Credit Default Swap transaction during the period 01.04.2017 to 31.03.2018.

18.36 Intra Group Exposures The Bank has one group entity i.e Dena Gujarat Gramin Bank which has availed overdraft facility against Fixed Deposit of ` 594.35 cr.

Percentage of Intra Group exposure to total exposure of the Bank on borrowers/customers is 0.80%.

There is no breach of limits of intra-group exposure.

18.37 Transfer to Depositor Education and Awareness Fund (DEAF) The details of Unclaimed liabilities amount transferred to DEAF during the year FY 2017-18.

(` in cr)

Particulars 31.03.2018 31.03.2017Opening balance of amounts transferred to DEAF 267.37 235.90Add: Amounts transferred to DEAF during the year 73.89 47.62Less: Amount reimbursed by DEAF towards claims 9.43 16.15Closing balance of amounts transferred to DEAF 331.83 267.37

18.38 Unhedged Foreign Currency Exposure Incremental Capital and provision requirements for Exposures are based on Circular No. DBOD.No.BP.BC.85/21.06.200/2013-14 dated

15.01.2014 and DBOD.No.BP.BC.116/21.06.200/2013-14 dated 03.06.2014 issued by Reserve Bank of India are as under: -

For the FY 2017-18, Based on available data, financial statements and the certification received from borrowers wherever received, the Bank has estimated and made an incremental provision of 4.37 cr (Previous Year 10.33 Cr reversal of provision) and capital requirement of `5.92 Cr (Previous year decrease in capital requirement of ` 5.10 Cr) towards Unhedged Foreign Currency Exposure.



18.39 Qualitative Disclosures around lCR RBI has introduced LCR as per Basel –III guidelines to monitor the short term liquidity of Banks. The aim of LCR standard is to ensure that

Bank maintains adequate level of unencumbered High Quality Liquid Assets (HQLA) that can be converted into cash to meet its Liquidity needs for a 30 days time horizon. At a minimum, the stock of liquid assets should enable the Bank to survive until 30 days of the stress scenario by which time it is assumed that appropriate action can be taken.

The LCR is calculated by dividing the High Quality Liquid Assets with the total net cash out flows over the next 30 days calendar period. As per LCR guidelines net cash outflow is total expected cash outflows minus total expected cash inflows for the next 30 days calendar horizon.

The HQLA includes, Cash including cash reserves in excess of CRR, government securities in excess of SLR over & above the mandatory SLR requirement, Government securities to the extent allowed by RBI under Marginal Standing Facility and marketable securities issued/ guaranteed by Sovereigns etc. All such assets must be available at all time to be converted into cash and should be unencumbered. Bank’s HQLA consists of assets which are liquid or can be converted to liquid assets within short notice.

Under outflow the items taken in to account for calculation of LCR includes all types of deposits withdrawable within a period of 30 days, unutilized portion of CC/ OD and un disbursed portion of Loans and expected devolvement of LCs and invocation of Guarantees issued by Bank within 30 days period etc, which is calculated on the basis of past historical data.

Under inflow the items to be taken in to account for calculation of LCR includes interest and installments recordable in loans and advances in next 30 days period and lines of credit or any liquidity arrangements with other Banks, from where Bank can get funds to meet the liquidity stress. Banks funding sources are well diversified and concentration of funding sources are avoided.

Bank does not have any subsidiary/joint venture, hence consolidation is not required. As per RBI guidelines Banks are required to maintain minimum 90% LCR as of March 2018 and Banks LCR is 146.85%.

18.40 liquidity Coverage Ratio(` in cr)

June 2017 quarter avg Sept 2017 quarter avg Dec 2017 quarter avg Mar 2018quarter avg

( Rs. in Crore)Total Unweighted8 Value

Total Weighted9 Value ( Average )

Total Unweighted8 Value

Total Weighted9 Value Average )


Total Weighted9 Value( Average )


Total Weighted9 Value( Average )

High Quality Liquid Assets

1Total High Quality Liquid Assets

24,640.11 22,777.04 22,176.83 22,559.04

Cash Outflows

2

Retail deposits and deposits from small business customers, of which:

79,858.04 6851.69 78791.34 6,755.99 79328.48 6,805.20 80,296.54 6,890.31

(i) Stable Deposits 22,682.22 1,134.11 22,462.92 1,123.15 22553.17 1,127.66 22,786.93 1,139.35

(ii) Less Stable Deposits 57,175.83 5,717.58 56,328.41 5,632.84 56775.31 5,677.54 57,509.61 5,750.96

3

Unsecured Wholesale Funding , of which:

26,319.02 10,527.61 23,689.58 9,475.83 23118.85 9,247.54 22,291.27 8,916.50

(i)Operational deposits (all counterparties)

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(ii)Non-Operational Deposits (all counterparties)

26,319.02 10,527.61 23,689.58 9,475.83 23118.85 9,247.54 22,291.27 8,916.50

(iii) Unsecured debt 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

4Secured wholesale funding

0.00 0.00 0.00 0.00

5Additional requirement , of which

23,359.15 1,461.00 19,315.74 1,287.60 23199.46 1,616.48 22,132.76 1,409.63



(i)

Outflows related to derivative exposures and other collateral requirement

74.79 74.79 24.26 24.26 116.14 116.14 0.00 0.00

(ii)Outflows related to loss of funding on debt products

0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(iii) Credit and liquidity facilities 1,3149.70 10,49.84 9,107.95 812.33 12,989.33 1,197.53 11,676.76 1095.95

6

Others contracted funding obligations

33.33 33.33 0.00 0.00 0.00 0.00 0.00 0.00

7

Others contingent funding obligation

10,101.32 303.04 10,250.19 517.67 10,094.00 302.82 10,456.00 313.68

8 TOTAl CASH OUTFlOWS 18,840.30 17,586.09 17,669.22 17,216.44

Cash Inflow

9Secured lending ( e.g. Reverse Repo)

1,256.60 1,256.60 1,308.92 1,021.59 652.75 352.75 1,020.33 453.67

10Inflowsfromfully performing exposures

4,503.67 2,616.86 2,581.10 1,465.63 2,597.44 1,870.75 1,728.22 1,129.42

11 Other Cash Inflows 0.00 0.00 138.63 138.63 213.33 213.33 266.24 266.24

12 Total Cash Inflows 5,760.27 3,873.46 4,028.66 2,652.85 3,463.53 2,436.83 3,014.79 1,849.33

Total Adjusted10 Value

21 TOTAl HQlA 24,640.11 22,777.04 22,176.83 22,559.04

22TOTAl NET CASH OUTFlOWS

14,966.84 14,960.23 15,232.39 1,5367.12

23,

lIQUIDITY COVERAGE RATIO ( lCR) (%)

166.24% 152.79% 145.94% 146.85%

8 Unweighted values have been calculated as outstanding balances maturing or callable within 30 days (for inflows and outflows) accept where otherwise mentioned the circular and LCR template.9 Weighted values have been calculated after the application of respective haircuts (for HQLA) or inflow and outflow rates (for inflow and outflow).10 Adjusted values have been calculated after the application of both (i) haircuts and inflow and outflow rates and (ii) any applicable caps (i.e. acp on level 2B and Level 2 assets for HQLA and cap on inflows)



18.41 Financial Inclusion:

Bank has been allotted total 6485 villages covering 2105 Sub Service Area (SSA) under Financial Inclusion for coverage by March 2018. Against target, 746 SSA have been covered through Brick & Mortar Branch and 1359 Sub Service Area (SSA) have been covered through BC model.

18.42 Aadhaar Enrolment under UIDAI: Bank is a Non State Registrar of Unique Identification Authority of India (UIDAI). In 2nd phase, Bank has selected 79 Enrolment Agencies

and has been carrying out Aadhaar Enrolment through various Enrolment Agencies. Bank has enrolled 10.59 cr approximately residents for Aadhaar Number as of March, 2018.

18.43 PrioritySectorlendingCertificate(PSLC): As per RBI circular no. RBI/2015-16/366 FIDD.CO.Plan.BC.23/04.09.01/2015-16 dated April 7, 2016, the details of sale/purchase of amount

of PSLCs (category wise) during the year 2017-18 are as under:

(` in Crs)

Category FY 2017-18 FY 2016-17Purchased Sold Purchased Sold

PSLC General 900.00 0.00 2,050.00 300.00PSLC Micro Enterprises 0.00 0.00 700.00 0.00PSLC Agriculture 0.00 0.00 0.00 0.00PSLC Small and Marginal Farmer 2,295.00 0.00 300.00 0.00Total 3,195.00 0.00 3,050.00 300.00

18.44 Procurement from Micro, Small & Medium Enterprises The procurements made by the Bank from various vendors during the financial year 2017-18 amounts to ` 88.71 cr (Previous Year

` 44.25 cr) Out of this procurement made from MSE amounts to ` 7.84 cr and out of which the procurements made from MSE unit owned by SC/STs entrepreneurs amounts to ` 1.48 cr. The details are being published on the website of the Bank for the benefits of MSEs

There are no Micro, Small and Medium enterprises to which the Bank owes dues, which are outstanding for more than 45 days as at March 31, 2018. This information as required to be disclosed under the Micro, Small and Medium Enterprises Development Act, 2006 has been determined to the extent such parties have been identified on the basis of information available with the bank

18.45 Note on Ind AS Implementation in Dena Bank: In Pursuance to the roadmap for the implementation of Ind AS (Indian Accounting Standards) converged with IFRS (International Financial

Reporting Standards) for scheduled commercial banks drawn up by MCA (Ministry of Corporate Affairs) notified on January 18, 2016, the Reserve Bank of India has issued notification on February 11, 2016 giving detailed instructions for the implementation of Ind AS by the banks.

The Bank has formed a Steering Committee headed by the Executive Director and comprising of four General for implementation of Ind AS. The proforma financials for the half year ended September 30, 2016 and for quarter ended June 2017 have been submitted by the bank to RBI. The officers of the bank have been imparted training on Ind AS from ICAI/NIBM (National Institute of Banking Management) etc.

The consultants have been appointed by the bank to guide the bank in implementation of Ind AS as per the prescribed time line.

However implementation of Ind AS has been deferred by RBI for one year as per RBI’s Statement on Developmental regulatory Policies dated 05.04.2018.









Mem. No. 070229

FRN 001770C


Mem. No. 057140

FRN 315104E


Mem. No. 110713

FRN 112318W


Mem. No. 102789

FRN 109262W


18.46 Corporate Social Responsibility (CSR): Since Bank has incurred losses during FY2015-16 & FY 2016-17, there is no allocation of fund for CSR activities in FY 2016-17 &

FY 2017-18.

However, during current year Bank has incurred an amount of ` 2.55 crores under CSR for following activities;

(` in Crs)Sr. No. Activity Amount Spent

1 Dena Rural Development Foundation (DRDF)-Corpus Fund 2.202 Construction of Dena RSETI building/s 0.35

Total 2.55

18.47 Previous year’s figures have been regrouped/reclassified/re-arranged, wherever necessary, to make them comparable with the current year’s figures.

226dm{f©H$ [anmoQ>© Annual Report 2017-18CASH FlOW STATEMENT

(` in '000')

Year Ended 31.03.2018 Year Ended 31.03.2017

PartI-Cashflowfromoperatingactivities

Netprofitaftertax (19,231,532) (8,636,248)

Add/ (less) Non cash items and items considered seperately:

1 Depreciationonfixedassets 797,210 31,317

2 Profit(-)/Loss(+)onsaleoffixedassets 6,046 3,841

3 Amortisation of premium paid on Investments 731,282 621,465

4 Amortisation of software expenses 91,968 81,531

5 Interest paid on long term loans 439,9234 5,106,718

6 Provision & Contingencies (Other Than I/W /DTl) 43,499,101 26,655,680

7 Provision for Income Tax & DTl (12,556,000) (4,117,300)

8 Provision for Wealth tax 0 0

9 leave Encashment Actuarial valuation (9,5100) 7,4600

10 Provision for Sick leave 0 0

11 Prov. For Silver Jubilee Milestone Award (100) 400

12 Provision for lFC 0 0

13 Provision for Resettlement service (1900) 1,300

14 Provision for Wage Revision 600,000 0

37,471,741 28,459,552

OperatingprofitbeforeWorkingcapitalchanges 18,240,209 19,823,304

Adjustments for working capital changes :

1 (Increase)/Decrease in Investments 18,507,560 (49,073,703)

2 (Increase)/Decrease in Advances 26,565,006 73,726,686

3 (Increase)/Decrease in Other Assets 5,031,000 992,512

4 Increase/(Decrease) in Deposits (78,126,250) (34,881,929)

5 Increase/(Decrease) in Borrowings (Excl. Financing Activities) 251,233 (13,104,488)

6 Increase/(Decrease) in Other liabilities (7,356,899) (35,128,350) 3,791,840 (18,549,082)

Cash Generated from operations (16,888,141) 1,274,222

Income tax refund / (Direct tax Paid) (240,956) (171,402)

NetCashflowfromoperatingactivities (17,129,097) 1,102,820

PartII-Cashflowfrominvestingactivities

Purchaseoffixedassets(Incl.intangible) (762,171) (532,210)

Saleoffixedassets 9,170 17,245

Net Cash Used in Investment activities (753,001) (514,965)

CashflowfromoperatingandInvestingactivities (17,882,097) 587,855

CASH FlOW STATEMENT FOR THE YEAR ENDED 31st MARCH 2018


(` in '000')

Year Ended 31.03.2018 Year Ended 31.03.2017

PartIII-Cashflowfromfinancingactivities

Equity Share Capital raised (incl Share Premium) 42,385,921 4,459,999

Share Application mony pending for allotment (7,923,292) 7,923,292

Bonds Issued Basel III Compliant AT-I Bonds 0 4,000,000

Bonds Payment lower Tier-II 0 (3,000,000)

Basel III Compliant AT-1 Bonds (14,000,000)

Innovative Perpetul debt instrument(IPDI) (1,250,000) 0

Interest paid on long term loan (4,399,234) (5,106,718)

Net Cash used in Financing activities 14,813,395 8,276,573

Net increase/(decrease) in cash and cash equivalents (3,068,702) 8,864,428

Cash and Cash equivalents (Opening) 62,643,313 53,778,885

Cash and Cash equivalents (Closing) 59,574,611 62,643,313

Difference in opening and closing cash and cash equivalents (3,068,702) 8,864,428

CASH FlOW STATEMENT

AUDITOR'S CERTIFICATE We have examined the above Cash Flow Statement of Dena Bank for the year ended 31.03.2018. The statement has been prepared by the bank in accordance with requirements of the Listing Agreements (Clause 32) with Stock Exchanges & is based on and in agreement with the corresponding Profit & Loss Account and Balance Sheet of the Bank covered by our Audit Report of even date to the President of India.



Mem. No. 070229

FRN 001770C


Mem. No. 057140

FRN 315104E


Mem. No. 110713

FRN 112318W


Mem. No. 102789

FRN 109262W


(Usha Ravi) (Dr. Rajesh Kumar Yaduvanshi) (Ramesh S. Singh) General Manager Executive Director Executive Director


Registration of E-mail ID with the Bank

(For shareholders holding shares in physical form)

The Company Secretary

Dena Bank, Investor Relation CentreDena Corporate Centre,C-10, G Block, Bandra Kurla ComplexBandra (East), Mumbai – 400 051.

Dear Sir,

I hereby request Dena Bank to register my following E-mail address for service of Notice of General Meetings, Audited Financial Statements, Directors’ Report, Auditors’ Report and other documents to me / us in electronic mode instead of physical mode:-

Folio No.

Full Name of First / Sole Shareholder*

Email ID (to be registered for the above purpose):

Mobile / Phone No.

Date: Signature:

*All fields are mandatory.

Note:

1. In case you are holding shares of the Bank in demat (electronic) form, the Bank proposes to send the aforesaid documents to you in electronic form, at the email address provided by you and which will be made available to us by your depository.

2. Shareholders are requested to keep the Bank informed of any change in their email ID, if shares are held in physical form and to their DP if shares held in demat (electronic) form.


NOTICE is hereby given that the Twenty Second Annual General Meeting of the Shareholders of Dena Bank will be held on Wednesday, 27th day of June, 2018 at 11.00 A.M. at Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J.V.P.D. Scheme, Near Cooper Hospital, Juhu Vile Parle (West), Mumbai - 400 056 to transact the following business: -“To discuss, approve and adopt the Balance Sheet and Profit & Loss Account of the Bank, for the year ended 31st March, 2018, 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.”

By Order of the Board of Directors for DENA BANK

Place: Mumbai (Amit Kumar)Date: 30 May, 2018 Company SecretaryNOTES:1. VOTING RIGHTS In terms of the provisions of sub-section (2E) of Section 3 of the

Act, no shareholder of the corresponding new Bank, other than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of 10 per cent of the total voting rights of all the shareholders of the Bank. In case of any amendments to the Act, Regulation Act, Scheme and Regulations which would result in change of any or part of the existing process as laid in this Notice, the amendment shall prevail.

Subject to the above, as per Regulation 68, each shareholder who has been registered as a shareholder on the Cut-off date, i.e. Wednesday, 20th day of June, 2018 shall have one vote on show of hands and in case of a poll shall have one vote for each share held by him.

As per Regulation 10 of the Regulations, if any share stands in the names of two or more persons, the person first named in the register shall, as regards voting, be deemed to be the sole holder thereof. Thus, if shares are in the name of joint holders, then first named person is only entitled to attend and vote in the meeting.

2. APPOINTMENT OF PROXY A SHAREHOLDER ENTITLED TO ATTEND AND VOTE AT THE

MEETING IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE INSTEAD OF HIM / HER. The proxy form, in order to be effective must be received by the Bank at the place specified in the proxy form, not later than FOUR DAYS before the date of the Twenty Second Annual General Meeting i.e. on or before the close of office hours on Friday, 22nd day of June, 2018.

3. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE No person shall be entitled to attend or vote at the meeting as a

duly authorized representative of a company or any body corporate which is a shareholder of the Bank, unless a copy of the resolution appointing him / her as a duly authorized representative, certified to be true copy by the Chairman of the meeting at which it was passed, shall have been deposited with the Company Secretary, Dena Bank, Investor Relation Centre, Dena Corporate Centre, 3rd Floor, C-10, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai- 400051 not later than FOUR days before the date of the Twenty Second Annual General Meeting i.e. on or before the close of office hours on Friday, 22nd day of June, 2018.

4. ATTENDANCE SlIP-CUM-ENTRY PASS For the convenience of the shareholders, Attendance Slip-cum-

Entry-Pass is annexed to this report. Shareholders / Proxy holders/ Authorised Representatives are requested to affix their signatures at the space provided therein and surrender the same at the venue.

Proxy / Authorised Representative of the shareholder should state on the Attendance slip-cum-entry pass as ‘Proxy’ or ‘Authorised Representative’ as the case may be. Entry to the venue will be permitted only on the basis of valid Attendance Slip-cum-Entry Pass.

5. BOOK ClOSURE The Register of the Shareholders and the Share Transfer Register

of the Bank will remain closed from Thursday, 21st day of June, 2018 to Wednesday, 27th day of June, 2018 (both days inclusive), for the purpose of Annual General Meeting.

6. DIVIDEND Board of Directors of the Bank has not recommended any dividend

to shareholders for the FY 2017-18.7. TRANSFERS Share Certificates in case of physical holding along with transfer

deeds should be forwarded to the Registrar & Share Transfer Agent of the Bank.

8. UNClAIMED DIVIDEND, IF ANY The unclaimed / unpaid dividend for the financial years 1996 - 97

to 1999 - 2000, 2006 - 07 to 2009 - 10 have been transferred to Investor Education and Protection Fund (IEPF) established by the Central Govt. under Section 125 of the Companies Act, 2013.

Further, as per the Section 10B of the Banking Companies (Acquisitions and Transfer of Undertakings) Act, 1970, the amount of dividend remaining unpaid or unclaimed for a period of seven years from the date of transfer to the Unpaid Dividend Account will be transferred to IEPF.

Therefore, those shareholders who have not encashed their Dividend Warrants / received dividend for the financial years 2010-11 to 2014-15 are requested to contact the Registrar and Share Transfer Agent of the Bank for revalidation / issue of the duplicate dividend warrants.

The unclaimed / unpaid dividend for the financial year 2010-11 will be transferred to IEPF by July 24, 2018.

9. CHANGE OF ADDRESS Shareholders whose holding are in Electronic form are requested

to intimate changes, if any, in their registered address to their Depository Participant and not to the Registrar & Share Transfer Agents. Shareholders holding shares in Physical form are requested to intimate changes, if any, in their registered address, to the Registrar and Share Transfer Agents of the Bank at the following address:

M/s. Link Intime India Private Limited Unit: Dena Bank, C 101, 247 Park, L. B. S. Marg, Vikhroli (West), Mumbai, Maharashtra - 400083 Tel: 022 - 49186270 Tele- Fax: 022 - 49186060 E-mail: [email protected]. RECEIVE DOCUMENTS THROUGH E-MAIl BY REGISTERING

YOUR E-MAIl ADDRESS Regulation 36 of SEBI (LODR) Regulations, 2015 permits a

listed entity to send soft copies of the Annual Report to all those shareholders who have registered their email address for the purpose.

Further, as per Regulation 44 of SEBI (LODR) Regulations, 2015 remote e-voting process will be mailed to shareholders through e-mail.

Shareholders who have not yet registered their e-mail id are requested to register the same with our R&T Agent, if holding the Bank’s shares in physical form and with depository participant if holding the Bank’s share in electronic form, so that all such

NOTICE


documents can be served upon them henceforth in electronic mode at the said Email address. For the sake of convenience a format for intimating e-mail details is attached as a part of the Annual Report.

11. VOTING THROUGH ElECTRONIC MEANS Pursuant to Regulation 44 of SEBI (LODR) Regulations, 2015 read

with Rule 20 of Companies (Management and Administration) Rules, 2014; your Bank is pleased to provide Remote e-voting facility to enable shareholders to cast their votes electronically on the items mentioned in the notice for which Bank has appointed National Securities Depository Limited (NSDL) as e-voting agency to provide the e-voting platform. E-voting is optional. The E-voting rights of the shareholders / beneficiary owners shall be reckoned on the equity shares held by them as on Wednesday, 20th day of June, 2018 being the Cut-off Date for the purpose. Shareholders of the Bank holding shares either in physical or in dematerialized form, as on the Cut-off Date, may cast their vote electronically.

The facility for voting shall be made available at the AGM and the members attending the meeting who have not cast their vote by remote e-voting shall be able to exercise their right at the meeting.

The members who have cast their vote by remote e-voting prior to the AGM may also attend the AGM but shall not be entitled to cast their vote again.

The instructions for Remote E-Voting are as under: Members are requested to follow the instruction below to cast their

vote through e-voting:a. Open the following URL for e-voting: https://www.evoting.nsdl.

com.b. Enter the login credentials i.e. user id and Password. Your user ID

is: EVEN (108405) + Folio No (If shares are held in physical mode)

/ DP ID + Client ID (If shares are held in demat mode). If you are already registered with NSDL for e-voting then you can use your existing User ID and Password for Login.

c. Member may obtain a User ID and password for casting his / her vote by remote e-voting by sending a request at [email protected] or by contacting NSDL at the toll free no.: 1800-222-990” providing the details such as Demat account no or Folio no, PAN no, etc.

NOTE: Shareholders who forgot the User Details/Password can use “Forgot User Details/Password?” or “Physical User Reset Password?” option available on www.evoting.nsdl.com.

d. After entering the details appropriately, click on “LOGIN”.e. Put User ID and Password and Click on login.f. If you are logging in for the first time, Password Change Menu

appears. Change the Password of your choice with minimum 8 digits / characters or a combination thereof. Please note the new Password for all the future e-voting cycles offered on NSDL e-voting Platform. It is strongly recommended not to share your Password with any other persons and take utmost care to keep your Password confidential.

g. Home page of “e-voting” opens. Click on “e-voting”: Active voting cycles.

h. Select “EVEN (E-voting Event Number)” of DENA BANK. For an EVEN, you can login any number of times on e-voting platform of NSDL till you have voted on the resolution during the voting period.

i. Now you are ready for “e-voting” as “Cast Vote” Page opens.j. Cast your vote by selecting appropriate option and click “Submit”

and also “Confirm” when prompted.k. Upon confirmation, the massage “Voting cast successfully” will be

displayed.l. Kindly note that vote once casted cannot be modified.m. Institutional members (i.e. members other than individuals,

HUF, NRIs, etc.) are also required to send scanned copy (PDF/JPG format) of the relevant board resolution / authority letter,

etc. together with the attested specimen signature(s) of the duly authorized signatory(ies) who are authorized to vote, to the Scrutinizer through email at : [email protected] with a copy marked to [email protected]. You can also forward the documents at the Registrar’s e-mail id [email protected]

In case of any queries you may refer the Frequently Asked Questions (FAQs) for Shareholders and e-voting User Manual for Shareholders available at “downloads” section of https://www.evoting.nsdl.com or contact by email at [email protected] or contact Mr. Rajiv Ranjan, Unit: Dena Bank of M/s Link Intime India Private Ltd. on 022-49186000.

n. You can also update your mobile number and e-mail id in the user profile detail of the folio which may be used for sending future communication.

o. The remote e-voting period commences on Sunday, 24th day of June, 2018 (9.00 a.m.) and ends on Tuesday, 26th day of June, 2018 (5.00 p.m.). During this period, shareholders of the Bank holding shares either in physical form or in demateralised form, as on the cut-off date i.e. Wednesday, 20th day of June, 2018, may cast their vote electronically. The e-voting module shall be disabled by NSDL for voting thereafter. Once a vote is cast, the shareholder shall not be allowed to change or modify it subsequently.

p. The voting rights of the Shareholders shall be in proportion to their shares of the paid up equity share capital of the Bank as on the cut-off date.

q. Any person, who acquires shares of the Bank and become member of the Bank after dispatch of the notice and holding shares as of the cut-off date i.e. Wednesday, 20th day of June, 2018, may obtain the login ID and password by sending a request at [email protected].

r. However, if you are already registered with NSDL for remote e-voting then you can use your existing user ID and password for casting your vote. If you forgot your password, you can reset your password by using “Forgot User Details / Password” or “Physical User Reset Password?” option available on www.evoting.nsdl.com or contact NSDL at the following toll free no.: 1800-222-990.

s. The Bank has appointed M/s. S. N. ANANTHASUBRAMANIAN & Co., Company Secretaries as the Scrutinizer for conducting the e-voting process in a fair and transparent manner.

t. Those who do not opt for remote e-voting can cast their votes at the Voting to be conducted at the meeting on Wednesday, 27th day of June, 2018 as per the procedure stated in the Explanatory Statement section of this Notice.

The Results of the e-voting shall be declared on or after the AGM of the Bank. The Results declared along with Scrutinizer’s Report shall be placed on the Bank’s website i.e. www.denabank.com and on the website of NSDL i.e., https://www.evoting.nsdl.com within two days of the AGM of the Bank and also communicated to NSE/BSE.

12. Others:a. Please note that, as an Economy measure, copies of the Annual

Report will not be distributed at the Annual General Meeting. Hence, shareholders are requested to bring their copies of the Annual Report to the venue of the meeting.

b. Shareholders may kindly note that no gifts/ coupons will be distributed at the venue of the meeting.

c. Shareholders are advised to avoid bringing bags/ brief cases/ tape recorders, cameras etc. as these items are subject to a security check and may not be allowed at the venue.

By Order of the Board of Directorsfor DENA BANK

Place : Mumbai (Amit Kumar)Date : 30 May, 2018 Company Secretary


HeadOffice:Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051.

FORM ‘B’FORM OF PROXY

(To be filled in and signed by the Shareholder)

Regd. Folio No.

(if not Demateralised)

DP ID No. No. of Shares

Client ID No.

(if Demateralised)

I / We ________________________________________ resident/s of _________________________________________________ in the district of _____________________in the state of __________________being a shareholder / shareholders of Dena Bank hereby appoint Shri / Smt. _____________________________________________ resident of ____________________in the district of _________________ in the state of __________________ or failing him, Shri/Smt _______________________________resident of _________________________in the district of ____________________ in the state of ____________________ as my / our proxy to vote for me / us and on my / our behalf at the Annual General Meeting of the shareholders of Dena Bank to be held on Wednesday, 27th June, 2018 at 11:00 A.M. at Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056 and at any adjournment thereof.

Signed this __________day of____________2018

__________________________________

Signature of first named / sole shareholder

Name: _______________________________________________

Address: _____________________________________________

________________ _____________________________________________________

Signature of Proxy _____________________________________________________

INSTRUCTIONS FOR SIGNING AND lODGING THE PROXY FORM1. No instrument of proxy shall be valid unless,

a) in the case of an individual shareholder, it is signed by him/her or his/her attorney, duly authorised in writing,b) in the case of joint holders, it is signed by the shareholder first named in the register or his / her attorney, duly authorised in writing,c) in the case of a body corporate, signed by the duly authorised representative or an attorney duly authorised in writing. It is to be noted that

a copy of the resolution appointing him/her as a duly authorized representative/ power to appoint a proxy, certified to be true copy by the Chairman of the meeting is to be attached

2. An instrument of proxy shall be sufficiently signed by any shareholder, who is, for any reason, unable to write his / her name, if his / her mark is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of Assurances or other Government Gazetted Officer or an Officer of Dena Bank.

3. The proxy together witha) the power of attorney or other authority (if any) under which it is signed, orb) a copy of the power of attorney or authority, certified by a Notary Public or a Magistrate, should be deposited at the Head Office of Dena

Bank, Investor Relations Centre, Dena Corporate Centre, C-10, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai – 400 051 with the not less than FOUR DAYS before the date of the Annual General Meeting i.e. on or before the closing hours of the Bank i.e. 5:00 p.m. on Friday, 22nd June, 2018.

4. No instrument of Proxy shall be valid unless it is duly stamped.5. An instrument of proxy deposited with the Bank shallbeirrevocableandfinal.6. In the case of an instrument of proxy granted in favour of two grantees in the alternative, not more than one form shall be executed.7. The shareholder who has executed an instrument of proxy shall not be entitled to vote in person at the Annual General Meeting to which such

instrument relates.8. No person shall be appointed as duly authorised representative or a proxy who is an officer or an employee of Dena Bank.

RevenueStampRe.1/-



TWENTY SECOND ANNUAl GENERAl MEETINGDate: Wednesday, 27th June, 2018 at 11:00 A.M.

Place : Auditorium, Sir Sorabji Pochkhanawala Bankers’ Training College, J. V. P. D. Scheme, Near Cooper Hospital, Vile Parle (West), Mumbai – 400 056

ATTENDANCE SlIP(to be surrendered at the time of Entry to the Venue)

Name in Block letters(Shareholder/Proxy/AR)

Number of Shares

Regd. Folio No.(If not demateralised)

DP ID & Client ID(If demateralised)

Signature of the Shareholder/ Proxy/Representative present




ENTRY PASS(to be retained throughout the meeting)


No. of Shares

Regd. Folio(If not dematerialized)



Shareholders / proxy or authorised representative of shareholders are requested to produce the above attendance slip, duly signed in accordance with their specimen signatures registered with the Bank, alongwith the entry pass, for admission to the venue. The admission will, however, be subject to verification/checks, as may be deemed necessary. The entry pass – Ballot Paper Pass portion will be handed back to the shareholders/Proxy/Representatives, who should retain it till the conclusion of the meeting. The Ballot Paper Pass portion shall be surrendered to obtain Ballot Paper. Under no circumstances, any duplicate attendance slip- cum Entry pass-cum Ballot Paper Pass will be issued at the entrance to the meeting.





BAllOT PAPER PASS(to be surrendered to the Polling counters to get Ballot Paper)


No. of Shares

Regd. Folio(If not dematerialized)




ECS MANDATE FORM

(For Payment of Dividend on Equity Shares held in Physical Form)(Please furnish the detail in Block letters)

The Company Secretary

Dena Bank, Investor Relation CentreDena Corporate Centre,C-10, G Block, Bandra Kurla ComplexBandra (East), Mumbai – 400 051

Dear Sir,

FOlIO NO. :____________________

With reference to your Circular on ECS, I/We request you to remit dividend through the following method:

Direct credit to my Bank Account through Electronic Clearing Services

Bank Name

Branch Name & City Address

Telephone No.

Account No.

Account Type Saving( ) / Current( ) / Cash Credit ( ) / Overdraft ( )

Nine Digit Code Number of the Bank and Branch as appearing on MICR cheque issued by the bank

IFSC Code

(PLEASE ENCLOSE A CANCELLED CHEQUE OR PHOTOCOPY OF A CHEQUE)

First / Sole Shareholder’s Name:

Address:

Telephone No.: Mobile No.:

DEClARATION

I hereby declare that the particulars given above are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete and incorrect information, I would not hold the Dena Bank responsible. I understand that the Bank also reserves right to send the dividend payable to me by a physical dividend warrant on account of any unforeseen circumstances beyond the control of the Bank, that affect the payment of dividend through ECS, the account details provided above may be incorporated in the payment instrument.

Yours faithfully,

Place:

Date: (Signature of the First / Sole Shareholder)

Note: Those shareholders who hold equity shares of the Bank in Demat form shall receive the dividend warrant / get credit of dividend amount through ECS or otherwise, as per bank account detail and address with their respective depositories.


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