çsk.k i= - DCMSME AR(2014-15)English-single.pdf · Letter of Transmittal Message from the Chairman Board of Trustees as on 05 August, 2015 Report on the working of the CGTMSE for

Letter of Transmittal

Message from the Chairman

Board of Trustees as on 05 August, 2015

Report on the working of the CGTMSEfor the year ended March 31, 2015

Auditor's Report

Balance Sheet & Statement of Accounts

çs"k.k i=

v/;{k dk lans'k

U;klh eaMy ;Fkk 05 vxLr] 2015

31 ekpZ 2015 dks lekIr o"kZ esa lh-th-Vh-,e-,l-bZ- ds dkedkt dh fjiksVZ

ys[kk ijh{kdksa dh fjiksVZ

rqyu&i= vkSj ys[kk fooj.k

01

02

03

04

05

06

çs"k.k&i=

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV 1002&1003] ueu dsaæ 10oka ry]lh&31] th Cykd] ckaæk dqykZ dkEIysDlckaæk ¼iwoZ½] eqacbZ&400 051-

3 flrEcj] 2015

çfr fo'ks"k lfpo ,oa fodkl vk;qä ¼,e,l,ebZ½ lw{e] y?kq ,oa e/;e m|e ea=ky;] Hkkjr ljdkj fodkl vk;qä dk dk;kZy; ¼,e,l,ebZ½ fuekZ.k Hkou 7oka ry Þ,ß foax ekSykuk vktkn jksMubZ fnYyh&110108 v/;{k ,oa çca/k funs'kd Hkkjrh; y?kq m|ksx fodkl cSad ç/kku dk;kZy;] flMch Vkoj] 15 v'kksd ekxZ] y[kuÅ & 226001

fç; egksn; @

Hkkjr ljdkj vkSj Hkkjrh; y?kq m|ksx fodkl cSad] fuLrkj.kdrkZ ds chp esa fu"ikfnr U;kl dh ?kks"k.kk dh /kkjk 14-2 ds vuqlkj eSa vkidks

fuEufyf[kr nLrkost çsf"kr dj jgk gw¡-

¼i½ 31 ekpZ 2015 dks lekIr foÙkh; o"kZ ds fy, U;kl ds vadsf{kr ys[ks ,oa ys[kk&ijh{kdksa dh fjiksVZ vkSj

¼ii½ 31 ekpZ 2015 dks lekIr foÙkh; o"kZ ds nkSjku lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ds dkedkt ds ckjs esa fjiksVZ dh çfr

Hkonh;

g@& ¼çnhi ekGxkaodj½

eq[; dk;Zdkjh vf/kdkjheqacbZ

02

03

v/;{k dk lans'k

lw{e] y?kq ,oa e/;e m|e ¼,e,l,ebZ½ oSf'od Lrj ij vkfFkZd ,oa lkekftd fodkl dks dkQh gn rd çHkkfor djrs gSaA ,e,l,ebZ viuh çHkkoh] dq'ky] yphyh vkSj uoksUes"kh Hkkouk ds tfj, vFkZO;oLFkk ds fodkl esa egÙoiw.kZ Hkwfedk fuHkkrs gSaA

Hkkjr dh vFkZO;oLFkk esa ,e,l,ebZ dk cM+k gh egÙoiw.kZ LFkku gSA blds ckotwn laLFkkxr _.k] laikf'kZ~od çfrHkwfr laca/kh vis{kkvksa] bZfDoVh@tksf[ke iw¡th] m|e iw¡th vkSj igyh ih<+h ds uo&LFkkfir m|eksa ds fy, _.k rd igqap ds ekeys esa pqukSfr;k¡ yxkrkj cuh gqbZ gSaA blh lc dks /;ku esa j[krs gq, tqykbZ 2000 esa lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½ dh LFkkiuk dh xbZA bldk mís'; Fkk laikf'kZ~od vkSj@vFkok r`rh; i{k dh xkjaVh ls jfgr _.k lqfo/kkvksa ds fy, xkjaVh nsuk] rkfd Hkkjr esa lw{e ,oa y?kq m|e ¼,e,lbZ½ {ks= gsrq _.k dh miyC/krk dks c<+kok fn;k tk ldsA

foxr 15 o"kksaZ ls lhthVh,e,lbZ viuh lnL; _.knk=h laLFkkvksa }kjk ik= lw{e ,oa y?kq m|eksa dks Loh—r laikf'kZ~od ,oa@vFkok r`rh; i{k xkjaVh&jfgr _.k lqfo/kkvksa ds fy, xkjaVh doj nsdj viuh _.k xkjaVh ;kstuk ds ek/;e ls Hkkjr ds lw{e ,oa y?kq m|eksa dh lsok djrk pyk vk jgk gSA 31 ekpZ 2015 rd lhthVh,e,lbZ us 18 yk[k ls vf/kd [kkrksa ds varxZr dqy #- 90]000 djksM+ ls Åij ds _.kksa ds fy, xkjafV;k¡ vuqeksfnr dh gSaA vk'kk dh tkrh gS fd Hkfo"; esa Hkh xkjafV;ksa ds vuqeksnu esa o`f) tkjh jgsxhA fdUrq ;g o`f) pqukSfr;ksa ls eqä ugha gSA 31 ekpZ 2015 rd dh viuh 15 o"kZ dh ;k=k&çfØ;k ds nkSjku lhthVh,e,lbZ us viuh lewph lewg&fuf/k dk mi;ksx djrs gq, mä lHkh xkjafV;k¡ vuqeksfnr dh gSaA _.k xkjaVh ls feyh jkgr us vYilsfor {ks=ksa vkSj lekt ds lqfo/kkghu ?kVdksa ls lacaf/kr m|fe;ksa dh enn ds fy, lnL; _.knk=h laLFkkvksa dks çksRlkfgr fd;k gSA fiNys rhu o"kksaZ ds nkSjku lewg&fuf/k ds vf/kdkf/kd mi;ksx vkSj çLrqr fd, x, nkoksa dh la[;k esa mYys[kuh; :i ls o`f) gksus ds dkj.k lhthVh,e,lbZ ds lalk/ku ncko esa vk x, gSa] ftlds pyrs lewg&fuf/k esa rRdky o`f) djus dh t:jr gSA

lhthVh,e,lbZ ds lalk/kuksa dh nckoxzLrrk dks nwj djus ds fy, dqN mipkjh mik; fd, x, gSa] tSls& ,e,l,ebZ ea=ky;] Hkkjr ljdkj dks jkth djuk fd og lewg&fuf/k esa rRdky o`f) djs] ftlls fLFkfr esa lq/kkj gks lds( #- 50 yk[k ls vf/kd dh _.k lqfo/kk ds fy, lnL; _.knk=h laLFkkvksa dh tksf[ke lgHkkfxrk c<+kdj 50% djuk vkSj lnL; _.knk=h laLFkk }kjk ntZ fd, x, xSj&fu"iknd vkfLr@Hkqxrku vuqikr ds Lrj ds vk/kkj ij foHksnd ewY;u dk çLrko] vkfnA

blds vykok lhthVh,e,lbZ vius le{k vk jgh pqukSfr;ksa ls ikj ikus ds mís'; ls ,f'k;k ds fofHkUu _.k xkjaVh laxBuksa esa çpfyr loksZÙke i)fr;ksa dks Hkh tk¡p&ij[k jgk gSA blh Øe esa lhthVh,e,lbZ us flrEcj 2015 esa 25ok¡ ,f'k;u ØsfMV lfIyesaVs'ku baLVhVîw'kUl d‚UQsMjs'ku ¼,lh,lvkbZlh½ çf'k{k.k dk;ZØe vk;ksftr fd;k] ftlesa ,f'k;k ds 11 ns'kksa ds 17 _.k xkjaVh laxBuksa ds vf/kdkjh mifLFkr gq,A bl çf'k{k.k dk;ZØe us ,f'k;k ds ckdh ns'kksa esa viukbZ xbZ uoksUesf"krk dks le>us rFkk muds vuqHkoksa ls lh[k ysus esa lhthVh,e,lbZ dh cgqr enn dh gSA eq>s fo'okl gS fd tksf[ke 'keu ds mi;qä mik; viukdj ge Hkfo"; esa lhthVh,e,lbZ ds fy, ,d lq–<+ _.k xkjaVh ç.kkyh fodflr dj ldrs gSaA

eSa bl volj ij Hkkjr ljdkj] Hkkjrh; fjtoZ cSad] Hkkjrh; y?kq m|ksx fodkl cSad] lw{e ,oa y?kq m|e la?kksa] Hkkjrh; cSad la?k] Hkkjrh; cSafdax ç.kkyh ,oa lHkh lnL; _.knk=h laLFkkvksa] m|fe;ksa ,oa jk"Vªh; o varjjk"Vªh; Lrj dh vU; lHkh Hkkxhnkj ,tsafl;ksa dks muls vuojr çkIr gks jgh lgk;rk ,oa lg;ksx ds fy, /kU;okn nsrk gw¡A lhthVh,e,lbZ vius lHkh fgr/kkjdksa dh enn ls vkSj Hkh Å¡pkb;k¡ gkfly djus dh fn'kk esa vxzlj gSA lhthVh,e,lbZ dh iwjh Vhe ds dfBu ifjJe vkSj leiZ.k ds fy, eSa mldh ljkguk djrk gw¡A

lknj]g/-

eqacbZ ¼MkW- {k=ifr f'kokth½

31 ekpZ 2015 rd lhthVh,e,lbZ us 18 yk[k ls

vf/kd [kkrksa ds varxZr dqy #- 90]000 djksM+ ls Åij

ds _.kksa ds fy, xkjafV;k¡ vuqeksfnr dh gSaA vk'kk dh

tkrh gS fd Hkfo"; esa Hkh xkjafV;ksa ds vuqeksnu esa o`f)

tkjh jgsxhA fdUrq ;g o`f) pqukSfr;ksa ls eqä ugha gSA

04

MkW- {k=ifr f'kokth] vkbZ,,lv/;{k ¼insu½v/;{k ,oa çca/k funs'kd]Hkkjrh; y?kq m|ksx fodkl cSad]ç/kku dk;kZy; % ÞflMch VkWojß] 15] v'kksd ekxZ] y[kuÅ&226001-

Jh vejsaæ flUgk] vkbZ,,l & mik/;{k ¼insu½]fo'ks"k lfpo ,oa fodkl vk;qDr ¼,e,l,ebZ½]lw{e] y?kq vkSj e/;e m|e ea=ky;] Hkkjr ljdkj]fuekZ.k Hkou] 7oka ry] Þ,ß foax] ekSykuk vkt+kn jksM] ubZ fnYyh&110108

Jh çnhi ekGxkaodj & lnL; ¼lfpo½]eq[; dk;Zdkjh vf/kdkjh] lw{e ,oa y?kq m|e xkjaVh fuf/k VªLV1002&1003] ueu dsaæ] 10oka ry]lh&31] th Cykd] ckaæk dqykZ dkEIysDlckaæk ¼iwoZ½] eqacbZ&400 051

lhthVh,e,lbZ ds U;klh eaMy ds lnL; ¼vxLr 5] 2015 dh fLFkfr ds vuqlkj½

05

lhthVh,e,lbZ dh fjiksVZ

ifjp;

1- lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV dh ewy fuf/k

1-1 bl VªLV dh ewyfuf/k dk va'knku Hkkjr ljdkj vkSj Hkkjrh;

y?kq m|ksx fodkl cSad ¼flMch½ }kjk 4%1 ds vuqikr esa fd;k

x;k gSA bl VªLV dh çfrc) ewyfuf/k 2]500 djksM+ gS]

ftldk va'knku Hkkjr ljdkj ¼ 2]000 djksM+½ vkSj flMch

¼ 500 djksM+½ }kjk fd;k tkuk gSA foÙkh; o"kZ 2015 ds 1-2 Hkkjr ljdkj vkSj flMch ls vHkh 110-96 djksM+ dk nkSjku VªLV dks bl ewyfuf/k ds fy, 93-74 djksM+ çkIr gq,]

va'knku feyuk cdk;k gSA xkjaVh vuqeksnuksa esa rst c<+ksrjh ftlesa ls Hkkjr ljdkj dk ;ksxnku 74-99 jgk] tcfd ds dkj.k ;g vuqHko fd;k x;k fd bl fuf/k dks leqfpr

flMch us 18-75 djksM+ çnku fd,] ftlls ewyfuf/k dh :i ls rRdky c<+kuk gksxkA bl laca/k esa vko';d dkjZokbZ

ldy /kujkf'k esa nksuks dk vyx&vyx ;ksxnku Øe'k% igys gh vkjaHk dh tk pqdh gSA 1911-23 djksM+ vkSj 477-81 djksM+ gks x;kA VªLV dh dqy

ewyfuf/k 31 ekpZ 2015 dks 2389-04 djksM+ Fkh tks fd 2- lnL; _.knkrk laLFkk,¡fu/kkZfjr ewyfuf/k dk 95-56 gSA bl ewyfuf/k esa o"kZ&okj

31 ekpZ 2015 dh fLFkfr ds vuqlkj] VªLV esa iath—r ik= ;ksxnku dk fooj.k fuEufyf[kr rkfydk esa fn;k x;k gS % _.knkrk laLFkkvksa dh la[;k 133 gSA foÙkh; o"kZ 2015 ds nkSjku ,d ubZ _.knkrk laLFkk & Hkkjrh; efgyk cSad fy- dks Hkh iath—r fd;k x;k gS vkSj 31 ekpZ] 2015 dks dqy iath—r ik= _.knkrk laLFkkvksa dh l[;k 133 gks xbZ gSA ¼vuqyXud& ½- orZeku esa] ljdkjh {ks= ds 27 cSad] futh {ks= ds 20 cSad] 4 fons'kh cSad rFkk 9 vU; foÙkh; laLFkk,¡] bl VªLV ls xkjaVh doj çkIr djus dh ik= gSaA vkil esa ,dh—r @foy; gq, {ks=h; xzkeh.k cSadksa ¼vkjvkjch½ dk ik= _.knkrk laLFkkvksa ds :i esa iqu% iathdj.k dk dk;Z çfØ;k/khu gSA rc rd ds fy,] ewy :i ls iath—r 73 {ks=h; xzkeh.k cSadksa dh fLFkfr vuqyXud& esa n'kkZbZ xbZ gSA

`

`

`

` `

`

`

` `

`

%

I

I

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ds dk;Zdykidh fjiksVZ 31 ekpZ 2015 dks lekIr o"kZ ds fy,

27

20

473

9

ljdkjh {ks= cSad futh {ks= cSad fons'kh cSad

{ks=h; xzkeh.k cSad vU; foÙkh; laLFkk,a

lnL; _.knkrk laLFkk,a

0

50

100

150

200

250

Hkkjr ljdkj flMch

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2011 2011 2014 2015

25.00 25.0035.40

51.84 49.07 50.00

33.00

47.50

34.00 30.50

50.00

1.23

7.7718.75 18.75

100.00100.00

141.62

192.00

211.63200.00

124.00

198.00

122.10135.91

200.00

1.00

35.00

74.99 74.99

foÙkh; o"kZ

lhthVh,e,lbZ lewg fuf/k

` djksM+

lewg fuf/k esa va'knku ( djksM+)`

foÙkh; o"kZ Hkkjr ljdkj flMch dqy

2001 100.00 25.00 125.00

2002 100.00 25.00 125.00

2003 141.62 35.40 177.02

2004 192.00 51.84 243.84

2005 211.63 49.07 260.70

2006 200.00 50.00 250.00

2007 124.00 33.00 157.00

2008 198.00 47.50 245.50

2009 122.10 34.00 156.10

2010 135.91 30.50 166.41

2011 200.00 50.00 250.00

2012 1.00 1.23 2.23

2013 35.00 7.77 42.77

2014 74.99 18.75 93.74

2015 74.99 18.75 93.74

dqy 1911.23 477.81 2389.04

3-2 foÙkh; o"kZ 2000&01 esa xkjaVh doj ysus okyh dsoy 9 3- ØsfMV xkjaVh Ldhe ds rgr ifjpkyu lfØ; lnL; _.knkrk laLFkk,¡ Fkha] ftudh la[;k] 31 ekpZ 2015 dks c<+dj 119 gks xbZ gSA foÙkh; o"kZ 2014&15 ds 3-1 ekpZ 31] 2015 dh lekfIr rd dqy 119 lnL; _.knkrk nkSjku] dqy 4]03]422 xkjafV;ksa ds fy, lexzr% 21]274-82 laLFkk,¡ xkjaVh doj çkIr dj jgh FkhaA bl VªLV dh LFkkiuk djksM+ dh /kujkf'k vuqeksfnr dh xbZA lap;h :i ls] 31 ekpZ ls ysdj 31 ekpZ 2015 rd fn, x, xkjaVh vuqeksnuksa dk 2015 dks dqy 18]17]245 [kkrksa ds fy, 90]445-90 djksM+ o"kZ&okj fooj.k fuEufyf[kr rkfydk esa fn;k x;k gS %dh xkjaVh vuqeksfnr dh tk pqdh gSA

`

`

06

6.06 35.58 94.25 211.85 538.62 1000.53 1705.06 2701.594824.34

11559.61

23846.01

37139.31

52600.07

70026.28

90445.9

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

100000

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-05

vuqeksnuksa dh jkf'k;ka ¼lap;h½

foÙkh; o"kZ

vuqe

ksnuksa d

h jkf'

k;ka &

djksM+

951 3247 8202 14805 23256 39540 6699797282

150990

302377

556377

800358

1088895

1437370

1817245

0

200000

400000

600000

800000

1000000

1200000

1400000

1600000

1800000

2000000

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15

vuqeksnuksa dh la[;k ¼lap;h½

foÙkh; o"kZ

vuqe

ksnuksa d

h la[;

k

nkSjku jkT;ksa esa ls egkjk"Vª esa lokZf/kd la[;k esa vkonsu lnL; _.knkrk laLFkk&okj dojst nk;j fd, x, ¼ 2]668-70 djksM+ gsrq 44]835 çLrko½] blds

3-3 foÙkh; o"kZ 2015 ds fy, lnL; _.knkrk laLFkk&okj xkjaVh ckn rfeyukMq ¼ 1-720-44 djksM+ gsrq 42]557 çLrko½] dsjy

dojst vkSj 31 ekpZ 2015 dks lap;h dojst dks vuqyXud-¼ 1]124-74 djksM+ gsrq 41]624 çLrko½] dukZVd ¼ 2]248-17

II, esa fn;k x;k gSA o"kZ ds nkSjku] doj fd, x, çLrkoksa dh djksM+ gsrq 39]561 çLrko½ vkSj mÙkj çns'k ¼ 2]050-09 djksM+

la[;k dh –f"V ls] ØsfMV xkjaVh Ldhe ds rgr] ik¡p 'kh"kZLFk gsrq 36]418 çLrko½ dk LFkku jgkA

lnL; _.knkrk laLFkk,¡ bl çdkj jgha & dsujk cSad

¼ 3]477-97 djksM+ gsrq 1]02]037 çLrko½] cSad v‚Q bafM;k

¼ 3]423-21 djksM+ gsrq 49]146 çLrko½] Hkkjrh; LVs~V cSad

¼ 2672-36 djksM+ gsrq 44]548 çLrko½] ;wfu;u cSad v‚Q

bafM;k ¼ 796-95 djksM+ gsrq 27]737 çLrko½ rFkk iatkc

uS'kuy cSad ¼ 1]328-44 djksM+ gsrq 25]291 çLrko½A

3-6 ØsfMV xkjaVh Ldhe ds rgr 31 ekpZ 2015 dks jkT;&okj lap;h dojst ls Kkr gksrk gS fd vuqeksfnr çLrkoksa esa mÙkj çns'k ds fy, lokZf/kd 2]07]929 çLrkoksa dk vuqeksnu djds 9]195-86 djksM+ fn, x,] blds ckn rfeyukMq ¼ 7]240-27

djksM+ gsrq 1]72]904 çLrko½] dsjy ¼ 4]313-12 djksM+ gsrq 1]69]793 çLrko½] dukZVd ¼ 7]921-67 djksM+ gsrq 1]53]961 çLrko½ vkSj if'pe caxky ¼ 5]735-13 djksM+ gsrq 1]23]186 çLrko½ dk LFkku jgkA 3-4 lap;h :i esa] 31 ekpZ 2015 dks Hkkjrh; LVsV cSad dks

3]27]608 çLrkoksa ds fy, 15]792-99 djksM+ dh loksZPp m|ksx&okj dojst dojst nh xbZ] blds ckn dsujk cSad ¼ 7]382-76 djksM+ ds

fy, 2]28]128 çLrko½] cSad vkWQ bafM;k ¼ 12]936-11 djksM+ 3-7 ØsfMV xkjaVh ;kstuk ds rgr xkjaVh—r ekeyksa ¼lap;h :i ds fy, 1]99]702 çLrko½] iatkc uS'kuy cSad ¼ 6]817-56 ls ;Fkk 31 ekpZ 2015 rFkk foÙkh; o"kZ 2014&15 ds nkSjku½

dk m|ksx&{ks=okj fo'ys"k.k vuqyXud–IV esa fn;k x;k gSA djksM+ ds fy, 1]38]903 çLrko½ rFkk bafM;u vksojlht cSad

¼ 4]943-94 djksM+ ds fy, 1]05]022 çLrko½ dk LFkku jgkA Lrj&okj dojst

jkT;&okj dojst 3-8 ØsfMV xkjaVh ;kstuk ds rgr Lrj&okj dojst ds vk¡dM+s ¼lap;h #i ls 31 ekpZ 2015 ,oa foÙkh; o"kZ 2015 ds nkSjku½ 3-5 foÙkh; o"kZ 2014&15 ds fy,] jkT;&okj xkjaVh dojst vkSj vuqyXud–V esa fn, x, gSaA foÙkh; o"kZ 2015 ds nkSjku 31 ekpZ 2015 dks lap;h dojst dk fooj.k] Øe'k% vuqeksfnr vf/kdka'k çLrko NksVs _.kksa ls lacaf/kr FksA bl vuqyXud–III esa fn;k x;k gSA foÙkh; o"kZ 2014&15 ds nkSjku] 3]09]160 çLrkoksa ds fy, 5]473-43 djksM+ dk

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`

`

`

`

`

`

`

`

`

07

jkT;&okj vuqeksnu ¼jkf'k;k¡ ` djksM+½

2668.70

1720.44

1124.24

2248.17

2050.09

jkT;&okj vuqeksnu ¼la[;k½

44835

4255741624

39561

36418

egkjk"Vª rfeyukMw dsjy

dukZVd mÙkj çns'k

egkjk"Vª rfeyukMw dsjy

dukZVd mÙkj çns'k

lnL; _.knk=h laLFkk&okj vuqeksnu ¼jkf'k;k¡ djksM+½`

lnL; _.knk=h laLFkk&okj vuqeksnu ¼la[;k½

3,477.97

3423.21

2672.36

796.95

1328.44

1,02,037

49,146

44,548

27,737

25,291

dSujk cSad

cSad vkWQ bafM;k

LVsV cSad vkWQ bafM;k

;wfu;u cSad vkWQ bafM;k

iatkc us'kuy cSad

dSujk cSad

cSad vkWQ bafM;k

LVsV cSad vkWQ bafM;k

;wfu;u cSad vkWQ bafM;k

iatkc us'kuy cSad

vuqeksnu çnku fd;k x;k] tks 5 yk[k rd ds _.kksa ls fy, gj o"kZ 3 djksM+ dh fuf/k j[kus dh çfrc)rk dh FkhA lacaf/kr Fks vkSj ;g la[;k dh –f"V ls] foÙkh; o"kZ 2015 ds fodkl vk;qä ¼gLrf'kYi½ }kjk j[kh xbZ fuf/k dk yxHkx fy, vuqeksfnr dqy xkjafV;ksa dk 76-63% gSA foÙkh; o"kZ iwjk mi;ksx VªLV }kjk dj fy;k x;kA2015 esa vuqeksfnr 4]03]422 çLrkoksa dh jde 21]274-82 djksM+ gksrh gS] buesa ls 1]17]255 çLrko ¼29-07%½ ,sls Fks tks 5- fodkl vk;qä ¼gFkdj?kk½ dk dk;kZy;] ,d yk[k #i;s rd ds _.kksa ls lacaf/kr Fks( dqy 1]04]721 oL= ea=ky;] Hkkjr ljdkj ls vfxze çLrko ¼25-96%½ ,sls Fks ftudk ØsfMV ?kVd 1]00]001 ls

fuf/k;k¡2 yk[k ds nk;js esa Fks( 87]184 çLrko ¼21-61%½ 2]00]001 ls 5 yk[k ds nk;js esa Fks( 49]413 çLrko ¼12-25%½ gFkdj?kk {ks= ds dkjhxjksa dks lnL; _.knk=h laLFkkvksa 5]00]001 ls 10 yk[k ds nk;js esa Fks( 30]892 çLrko }kjk çnÙk _.kksa ds laca/k esa xkjaVh 'kqYd rFkk okf"kZd lsok

¼7-66%½ 10]00]001 ls 25 yk[k ds nk;js esa Fks( 10]290 'kqYd dh iwfrZ gsrq fodkl vk;qä ¼gFkdj?kk½ us 82-50 yk[k çLrko ¼2-55%½ 25]00]001 ls 50 yk[k ds nk;js esa Fks( dh vfxze fuf/k foÙkh; o"kZ 2011&12 esa lhthVh,e,lbZ ds vkSj 3]667 çLrko ¼0-91%½ 50 yk[k ls 100 yk[k ds ikl j[kh FkhA 82-50 yk[k dh mä jkf'k esa 26-25 yk[k Åijh oxZ esa FksA dh og jkf'k 'kkfey ugha gS] tks okjk.klh vkSj eqf'kZnkckn ds

cMs+ lewgks ds gFkdj?kk cqudjksa ds fy, xkjaVh doj laHko doj fd, _.kksa dk vkSlr vkdkj

cukus ds fy, fodkl vk;qä ¼gFkdj?kk½] oL= ea=ky;] 3-9 ;fn Ldhe dh 'kq#vkr ls vc rd doj fd, x, _.kksa ds Hkkjr ljdkj ls 23 fnlacj 2011 dks çkIr gqbZ FkhA ;Fkk 31

vkSlr vkdkj dks ns[kk tk, rks Kkr gksxk fd blesa c<+ksrjh ekpZ 2015 dks lhthVh,e,lbZ us fodkl vk;qä ¼gFkdj?kk½ dh ço`fÙk gS] dsoy foÙkh; o"kZ 2013 ds ckn vkSlr _.k }kjk j[kh xbZ 82-50 yk[k dh vfxze fuf/k esa ls 65-53 vkdkj esa vkaf'kd deh jgh gSA foÙkh; o"kZ 2001 esa ;g 0-63 yk[k dk mi;ksx dj fy;k FkkAyk[k ds vkSlr vkdkj dk Fkk tks fd foÙkh; o"kZ 2013 esa c<+dj 5-57 yk[k rd gks x;k] rFkk foÙkh; o"kZ 2015 esa ?kV 6- O;olk; fodkl laca/kh ç;kldj vkSlr vkdkj 5-27 yk[k #i;s gks x;k] ftldk lexz

6-1 lhthVh,e,lbZ us cSadksa] lw{e ,oa y?kq m|e m|ksx la?kksa] vkSlr vkdkj 4-98 yk[k #i;s gksrk gSAlw{e ,oa y?kq m|e {ks= vkfn ds chp _.k xkjaVh ;kstuk ds

fo"k; es tkx:drk iSnk djus ds fy, cgqekxhZ –f"Vdks.k nkoksa dk fuiVku vkSj lekiuviuk;k vkSj blds fy, fçaV vkSj çsl ehfM;k dk mi;ksx 3-10 foÙkh; o"kZ 2014&15 ds nkSjku 1]405-67 djksM+ dh jkf'k ds fd;k x;k] dk;Z'kkyk,a / fopkjxksf"B;ka vk;ksftr dh xbZa fy, 27]407 vkosnu xkjaVh buoksds'ku vkSj pwddrkZ vkSj ftyk / jkT; / jk"Vªh; Lrj ij vk;ksftr fofHkUu dtZnkjksa ds çfr fd, x, nkoksa ds fuiVku ds fy, çkIr gq,] dk;ZØeksa vkfn esa lgHkkfxrk dh xbZA o"kZ ds nkSjku ftuds fy, lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV lhthVh,e,lbZ us _.k xkjaVh ;kstuk ds fo"k; es }kjk xkjaVh tkjh dh xbZ Fkh vkSj xkjaVh çHkkoh FkhA nk;j tkx:drk iSnk djus ds fy, lw{e ,oa y?kq m|e {ks= ds fd, x, vkosnuksa esa ls 26]183 ;wfuVksa ds laca/k esa fd, x,

nkos çFke fdLr ds fy, igys gh fuiVk, tk pqds gSa] ftudh laca/k esa lnL; _.knk=h laLFkkvksa vkSj m|ksx la?kksa }kjk jkf'k 723-61 djksM+ curh gSA lap;h :i ls] 31 ekpZ 2015 vk;ksftr fofHkUu fopkjxksf"B;ksa / dk;Z'kkykvksa] Hkkjrh; dks 94-61 djksM+ ds fy, 1]737 ;wfuVksa ds nkoksa dks fjtoZ cSad / Hkkjr ljdkj }kjk vk;ksftr çn'kZfu;ksa vkSj vLohdkj fd;k tk pqdk gS vkSj 423 ;wfuVksa ds laca/k esa cSBdksa esa Hkkx fy;kA lhthVh,e,lbZ ds vf/kdkfj;ksa us 17-71 djksM+ ds nkoksa dks lnL; _.knkrk laLFkkvksa }kjk viuh lnL; _.knk=h laLFkkvksa ds lkFk O;olk; fodkl

okil fy;k tk pqdk gSA cSBdsa Hkh dhA fofHkUu fgr/kkjdksa ds e/; tksjnkj <ax ls

lwpuk çlkj vfHk;ku pyk, x,A blds vfrfjä] 4- fodkl vk;qä ¼gLrf'kYi½ dk dk;kZy;] lhthVh,e,lbZ us mÙkj] iwoZ] if'pe vkSj nf{k.k {ks=ksa esa

oL= ea=ky;] Hkkjr ljdkj ls vfxze ,d&,d lsokfuo`Ùk cSad vf/kdkjh dks vius çfrfuf/k ds :i fuf/k;k¡ esa fu;qä fd;k] rkfd mä ;kstuk ds fo"k; esa tkx:drk dks

vkSj c<+k;k tk ldsAgLrf'kYi {ks= ds dkjhxjksa dks lnL; _.knk=h laLFkkvksa

}kjk çnÙk _.kksa ds laca/k esa xkjaVh 'kqYd rFkk okf"kZd lsok 6-2 foÙkh; o"kZ 2015 ds nkSjku] lhthVh,e,lbZ us 6 'kqYd dh iwfrZ gsrq fodkl vk;qä ¼gLrf'kYi½ us 2-80 djksM+

fopkjxksf"B;ksa / dk;Z'kkykvksa / cSadjksa dh cSBdksa / O;olk; dh vfxze fuf/k lhthVh,e,lbZ ds ikl j[kh FkhA fodkl fodkl cSBdksa esa Hkkx fy;k vkSj cSad vf/kdkfj;ksa / y?kq

vk;qä ¼gLrf'kYi½ us vxys rhu o"kZ gsrq blh ç;kstu ds m|fe;ksa dks _.k xkjaVh ;kstuk ds fofHkUu igyqvksa ij

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08

tkudkjh nsus ds fy, çLrqrhdj.k Hkh fd,A mä dk;Z'kkyk,a vk/kkfjr gksrs FksA foÙkh; o"kZ 2014&15 gsrq çko/kkuksa dk / dk;ZØe lkekU;r% lnL; cSadksa / flMch / lhthVh,e,lbZ/ C;ksjk uhps fn;k x;k gS %m|ksx la?kksa vkfn }kjk vk;ksftr fd, x,A

7- _.k xkjaVh ;kstuk ds ifjpkyuksa dk lexz çHkko

_.k xkjaVh—r lw{e ,oa y?kq m|eksa ds dqy dkjksckj] fu;kZr vkSj jkstxkj ¼tks uhps rkfydk esa fn, x, gSa½ dh –f"V ls ns[ksa] rks lhthVh,e,lbZ ds ifjpkyuksa dk vFkZO;oLFkk ij ldkjkRed çHkko iM+k gSA

9-2 o"kZ ds nkSjku] VªLV us vius laLFkkidksa ls 93-74 djksM+ dk 8- ys[kkijh{kdlewg fuf/k va'knku çkIr fd;kA ;g jkf'k] iwoZ esa çkIr lewg

8-1 lunh ys[kkdkjksa dh QeZ & eS- ,e ih fprys ,aM daiuh] eqacbZ fuf/k va'knku vkSj VªLV }kjk vc rd vftZr dh xbZ fuoy dks foÙkh; o"kZ 2014&15 gsrq lhthVh,e,lbZ dk vkarfjd

ys[kkijh{kd fu;qä fd;k x;kA mä ys[kkijh{kdksa us laiw.kZ vk; ds lkFk cSadksa @ laLFkkvksa dh lkof/k tekvksa esa fuos'k daI;wVj ç.kkyh dh O;kid leh{kk dh vkSj jktLo O;;] dj nh xbZ gSA mä fuf/k dh lewg fuf/k ;Fkk 31 ekpZ 2015 fuos'k vkSj jktLo vk; dks doj djrs gq, foÙkh; ys[kkijh{kk

dks 4529-08 djksM+ ¼mifpr C;kt dks ?kVkdj½ Fkh] tcfd dhA fiNyh o"kZ ds var es ;g 4222-68 djksM+ FkhA 31 ekpZ 2015

8-2 Hkkjr ds fu;a=d ,oa egkys[kkijh{kd dh vuq'kalk ds dks lekIr o"kZ ds nkSjku lap;h :i ls tkjh xkjafV;k¡ vuq:i] funs'kd eaMy us lunh ys[kkdkjksa dh QeZ & eS- ds-

,l- lka?koh ,aM daiuh] eqacbZ dks foÙkh; o"kZ 2014&15 gsrq 81772-07 djksM+ dh jkf'k dh FkhaAlhthVh,e,lbZ dk lkafof/kd ys[kkijh{kd fu;qä fd;kA

10- çca/k vkSj laxBu9- ys[kk

10-1 foÙkh; o"kZ 2014&15 ds nkSjku U;klh eaMy esa flMch ds 9-1 VªLV us 935-97 djksM+ dh vk; vftZr dh] ftlesa eq[; :i v/;{k ,oa çca/k funs'kd insu v/;{k ds :i esa] vij lfpo

ls xkjaVh 'kqYd vkSj okf"kZd xkjaVh 'kqYd ¼ 251-10 djksM+½] rFkk fodkl vk;qä ¼lw{e] y?kq ,oa e/;e m|e½] lw{e] y?kq okf"kZd lsok 'kqYd ¼ 213-74 djksM+½] fuos'kksa ij vftZr C;kt

¼ 439-53 djksM+½ vkSj lnL; _.knk=h laLFkkvksa ls olwyh ¼ ,oa e/;e m|e ea=ky;] Hkkjr ljdkj insu mik/;{k ds :i 31-49 djksM+½ 'kkfey gSaA VªLV us fofHkUu ifjpkyuxr rFkk esa] Hkkjrh; cSad la?k ds v/;{k insu lnL; ds :i esa rFkk ç'kklfud O;;ksa ds çfr 6-85 djksM+ dh jkf'k O;; dhA

lhthVh,e,lbZ ds eq[; dk;Zikyd vf/kdkjh lnL; lfpo vk; ls O;; 179-07 djksM+ vf/kd Fkk ¼çko/kkuksa ds ds :i esa 'kkfey FksA foÙkh; o"kZ 2014&15 esa U;klh eaMy dh i'pkr½A okf"kZd çko/kku foÙkh; o"kZ 2009 ls VªLV dh

ns;rkvksa ds chekafdd ewY;kaduksa ds vk/kkj ij fd, tk jgs 5 cSBd gqbZA ;Fkk 31 ekpZ 2015 dks eq[; dk;Zikyd gSaA nkoksa ds çko/kku dk ewY;kadu chekadd }kjk çkIr nkoksa

vf/kdkjh lfgr dqy 6 vf/kdkjh flMch ls lhthVh,e,lbZ vkSj tkjh dh xbZ xkjafV;ksa ds chp fjxzslu lehdj.k esa çfrfu;qfä ij FksAfodflr dj fd;k x;k gSA blls igys çko/kku

lhthVh,e,lbZ ds U;klh cksMZ }kjk vuqeksfnr uhfr ij

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09

vuqeksfnr lafpr xkjaVh

_.k dh /kujkf'k ¼,e,yvkbZ }kjk çnÙk½ ¼ djksM+½ 90,445.90 70,026.28

xkjaVh'kqnk bdkb;ksa dk vuqekfur VuZvksoj ¼ djksM+½ 6,68,642.64 5,34,694.46

xkjaVh'kqnk bdkb;ksa }kjk vuqekfur fu;kZr ¼ djksM+½ 6,768.91 6,199.47

vuqekfur jkstxkj l`tu ¼la[;k ` yk[k esa½ 75.97 62.33

lnL; _.knk=h laLFkkuksa dh la[;k 133 132

31.03.2015 dks 31.03.2014 dks

18,17,245 14,19,807

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—i;k uksV djsa % chp esa gq, jíhdj.kksa @ la'kks/kuksa ds dkj.k okLrfod vk¡dM+s fHkUu gks ldrs gSaA

fooj.k /kujkf'k¼` djksM+½

01 vçSy 2014 dks vkjafHkd 'ks"k

?kVk,a % o"kZ ds nkSjku Hkqxrku fd, x, nkosa 723.61

tksMsa+ % o"kZ ds nkSjku fd, x, çko/kku 1108.03

31 ekpZ 2015 dks vafre 'ks"k 1718.62

1334.20

ekpZ 31] 2015 dks vuqekfur lap;h çko/kku ` 1718.62 djksM+ j[kk x;k gSA

10

10-2 lhthVh,e,lbZ dk U;klh eaMy lw{e] y?kq ,oa e/;e m|e vkSj y?kq m|e m|ksx la?kksa ls çkIr lg;ksx ds çfr vkHkkj

ea=ky;] Hkkjr ljdkj] fodkl vk;qä ¼lw{e] y?kq ,oa e/;e çdV djrk gSA

m|e½ dk dk;kZy;] flMch] Hkkjrh; fjtoZ cSad] Hkkjrh; cSad

la?k] lhthVh,e,lbZ dh lnL; _.knk=h laLFkkvksa] fo'o

cSad] fofHkUu jk"Vªh; vkSj jkT; Lrjh; laLFkkvksa rFkk lw{e

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV U;klh cksMZ ds fy, rFkk dh vksj ls

g@&

LFkku % ubZ fnYyh ¼MkW- {k=ifr f’kokth½fnukad % 05 vxLr 2015 v/;{k

11

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLVdh lnL; _.knk=h laLFkk,a 31 ekpZ dh fLFkfr

¼lhthVh,e,lbZ½2015

¼d½ vuqlwfpr okf.kT; cSad

¼ i½ ljdkjh {ks= ds cSad ¼21½ ¼iii½ futh {ks= ds cSad ¼20½

1 bykgkckn cSad 1 ,fDll cSad fyfeVsM

2 vkU/kzk cSad 2 flVh ;wfu;u cSad

3 cSad v‚Q cM+kSnk 3 MsoyiesUV ØsfMV cSad fyfeVsM

4 cSad v‚Q bafM;k 4 ,pMh,Qlh cSad fyfeVsM

5 cSad v‚Q egkjk"Vª 5 vkbZlhvkbZlhvkbZ cSad fyfeVsM

6 dsujk cSad 6 baMlbaM cSad fyfeVsM

7 lsUVªy cSad v‚Q bafM;k 7 vkbZ,uth oS'; cSad fyfeVsM

8 dkiksZjs'ku cSad 8 dukZVd cSad fyfeVsM

9 nsuk cSad 9 dksVd efgUæk cSad fyfeVsM

10 vkbZMhchvkbZ cSad fyfeVsM 10 y{eh foykl cSad

11 bafM;u cSad 11 rfeyukMq edsZUVkby cSad fyfeVsM

12 bafM;u vksojlht cSad 12 fn /kuy{eh cSad fyfeVsM

13 vksfj,UVy cSad v‚Q dkelZ 13 fn QsMjy cSad fyfeVsM

14 iatkc ,UM flU/k cSad 14 fn tEew ,aM d'ehj cSad fyfeVsM

15 iatkc us'kuy cSad 15 fn d:j oS'; cSad fyfeVsM

16 flafMdsV cSad 16 fn uSuhrky cSad fyfeVsM

17 ;wdks cSad 17 fn jRukdj cSad fyfeVsM

18 ;wfu;u cSad v‚Q bafM;k 18 fn lkmFk bafM;u cSad fyfeVsM

19 ;wukbVsM cSad v‚Q bafM;k 19 ;l cSad fyfeVsM

20 fot;k cSad 20 dSFkksfyd lhfj;u cSad fyfeVsM

21 Hkkjrh; efgyk cSad

¼ii½ LVsV cSad vkSj mlds lg;ksxh cSad ¼6½ ¼iv) fons'kh cSad ¼4½

1 Hkkjrh; LVsV cSad 1 cdZyst cSad ih,ylh

2 LVsV cSad v‚Q chdkusj ,aM t;iqj 2 cSad v‚Q cgjhu ,UM dqoSr

3 LVsV cSad v‚Q gSnjkckn 3 MkW;p cSad

4 LVsV cSad v‚Q eSlwj 4 LVSUMMZ pkVZMZ cSad

5 LVsV cSad v‚Q ifV;kyk

6 LVsV cSad v‚Q Vªko.kdksj

vuqyXud & I

lnL; _.knk=h laLFkkvksa dh dqy la[;k & 133

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1 bykgkckn ;wih xzkeh.k cSad 38 fetksje xzkeh.k cSad

2 vkU/kz çns'k xzkeh.k fodkl cSad 39 uSuhrky & vYeksM+k {ks=h; xzkeh.k cSad

3 vkU/kz çxfr xzkeh.k cSad 40 ueZnk ekyok xzkeh.k cSad

4 vk;kZorZ xzkeh.k cSad 41 uhykapy xzkE; cSad

5 vle xzkeh.k fodkl cSad 42 mÙkjh ekykckj xzkeh.k cSad

6 cSrj.kh xzkE; cSad 43 iYyou xzkeh.k cSad

7 cfy;k bVkok xzkeh.k cSad 44 ikaM~;u xzke cSad

8 cafx;k xzkeh.k fodkl cSad 45 ioZrh; xzkeh.k cSad

9 cM+kSnk xqtjkr xzkeh.k cSad 46 çxfr xzkeh.k cSad

10 cM+kSnk jktLFkku xzkeh.k cSad 47 çFkek cSad

11 cM+kSnk mÙkj çns'k xzkeh.k cSad 48 iqMqobZ HkjfFk;kj xzkeh.k cSad

12 fcgkj {ks=h; xzkeh.k cSad 49 iatkc xzkeh.k cSad

13 dkosjh dYir# xzkeh.k cSad 50 iwokaZpy xzkeh.k cSad

14 pSrU; xksnkojh xzkeh.k cSad 51 jktLFkku xzkeh.k cSad

15 NÙkhlx<+ xzkeh.k cSad 52 jsok flf) xzkeh.k cSad

16 fpdeaxywj dksMkxq xzkeh.k cSad 53 _f"kdqY; xzkeh.k cSad

17 nDdu xzkeh.k cSad 54 leLrhiqj {ks=h; xzkeh.k cSad

18 nsuk xqtjkr xzkeh.k cSad 55 lIrfxfj xzkeh.k cSad

19 nqxZ jktuanxkao xzkeh.k cSad 56 loZ ;wih xzkeh.k cSad

20 xqM+xkao xzkeh.k cSad 57 lriqM+k ueZnk {ks=h; xzkeh.k cSad

21 gkM+kSrh {ks=h; xzkeh.k cSad 58 lkSjk"Vª xzkeh.k cSad

22 gfj;k.kk xzkeh.k cSad 59 'kkjnk xzkeh.k cSad

23 fgekpy xzkeh.k cSad 60 Js;l xzkeh.k cSad

24 t;iqj Fkkj xzkeh.k cSad 61 nf{k.k ekykckj xzkeh.k cSad

25 >kj[kaM xzkeh.k cSad 62 ljxqtk {ks=h; xzkeh.k cSad

26 tEew ,oa d'ehj xzkeh.k cSad 63 lryqt xzkeh.k cSad

27 dukZVd fodkl xzkeh.k cSad 64 f=iqjk xzkeh.k cSad

28 dk'kh xkserh la;qDr xzkeh.k cSad 65 f=os.kh {ks=h; xzkeh.k cSad

29 —".kk xzkeh.k cSad 66 mÙkj fcgkj {ks=h; xzkeh.k cSad

30 yaXih nsgkaxh xzkeh.k cSad 67 mÙkjkapy xzkeh.k cSad

31 e/; Hkkjr xzkeh.k cSad 68 mÙkjcaxk {ks=h; xzkeh.k cSad

32 e/; fcgkj xzkeh.k cSad 69 oukapy xzkeh.k cSad

33 egkjk"Vª xksnkojh xzkeh.k cSad 70 fonHkZ {ks=h; xzkeh.k cSad

34 egkjk"Vª xzkeh.k cSad 71 fofn'kk Hkksiky {ks=h; xzkeh.k cSad

35 ekyok xzkeh.k cSad 72 fo'os'ojS;k xzkeh.k cSad

36 es?kky; xzkeh.k cSad 73 oSuxaxk —".kk xzkeh.k cSad

37 ,ethch xzkeh.k cSad

¼[k½ {ks=h; xzkeh.k cSad ¼73½

13

1 vkU/kz çns'k jkT; foÙk fuxe 6 iwoksZÙkj fodkl foÙk fuxe fyfeVsM

2 fnYyh foÙk fuxe 7 Hkkjrh; y?kq m|ksx fodkl cSad

3 tEew ,aM d'ehj fodkl foÙk fuxe fyfeVsM 8 fn rfeyukMq m|ksx fuos'k fuxe fyfeVsM

4 dsjy foÙk fuxe 9 Hkkjrh; fu;kZr vk;kr cSad

5 jk"Vªh; y?kq m|ksx fuxe fyfeVsM

¼x½ _.knk=h laLFkk,a ¼9½

uksV % foÙk ea=ky; Hkkjr ljdkj dh igy ij foÙkh; o"kZ 2012&13 ,oa 2013&14 ds nkSjku {ks=h; xzkeh.k cSadksa ds lekesyu ds i'pkr~ lHkh {ks=h; xzkeh.k cSadksa dks lekesyu dh fLFkfr esa ;k vU;Fkk lhthVh,e,lbZ ds lkFk lnL; _.knk=h laLFkkvksa ds :i esa iathdj.k ;k iqu% iathdj.k djkuk gksxkA bl lanHkZ esa] lw{e] y?kq ,oa e/;e m|e ea=ky; Hkkjr ljdkj vkSj flMch ¼lhthVh,e,lbZ dk voLFkkid½ ds fu.kZ; ,oa vuqeksnu ij 02 tuojh] 2014 dks lhthVh,e,lbZ ds lnL; _.knk=h laLFkkvksa dks vko';d ifji= tkjh fd;k x;k gSA

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½foÙkh; o"kZ 2015 ds nkSjku lnL; _.knk=h laLFkk&okj vuqeksfnr xkjafV;ka rFkk ;Fkk 31 ekpZ 2015 rd dk lap;h

foÙkh; o"kZ 2015 lap;h

Øñ lnL; _.knk=h laLFkk,a çLrko vuqeksfnr çLrkolañ jkf'k jkf'k

¼` yk[k½ ¼` yk[k½

vuqeksfnr

1 11056 49590.92 60995 251426.46

2 5 7.07 2759 5839.51

3 3244 16346.77 13212 54358.53

4 584 283.81 2780 1701.85

5 6 171.45 52 1759.72

6 2 0.60 3175 2082.39

7 0 0.00 2170 8850.37

8 7 11.81 8483 20324.90

9 158 7535.20 1463 53030.64

10 0 0.00 2097 7200.06

11 0 0.00 430 117.31

12 2 3.40 2717 8655.24

13 7862 63604.08 54106 446210.84

14 49146 342320.78 199702 1293610.82

15 5638 77351.07 17057 180495.33

16 0 0.00 132 866.10

17 0 0.00 45 373.55

18 0 0.00 3344 9180.51

19 243 1544.83 243 1544.83

20 0 0.00 845 2906.28

21 102037 347797.06 228128 738276.17

22 8 17.00 40 240.08

23 11234 56013.07 59898 365746.74

24 0 0.00 66 60.98

25 1 5.00 1974 940.27

26 0 0.00 35 70.24

27 462 3490.62 1213 11613.29

28 8637 60590.87 30334 214658.88

29 0 0.00 68 245.57

30 1 2.70 634 1455.03

31 2812 17588.14 16074 88204.59

32 40 105.28 172 448.28

bykgkckn cSad

bykgkckn ;wih xzkeh.k cSad

vkU/kzk cSad

vkU/kz çns'k xzkeh.k fodkl cSad

vkU/kz çns'k jkT; foÙk fuxe

vkU/kz çxfr xzkeh.k cSad

vk;kZorZ xzkeh.k cSad

vle xzkeh.k fodkl cSad

,fDll cSad fyfeVsM

cSrj.kh xzkE; cSad

cfy;k bVkok xzkeh.k cSad

cafx;k xzkeh.k fodkl cSad

cSad v‚Q cM+kSnk

cSad v‚Q bafM;k

cSad v‚Q egkjk"Vª

cM+kSnk xqtjkr xzkeh.k cSad

cM+kSnk jktLFkku xzkeh.k cSad

cM+kSnk mÙkj çns'k xzkeh.k cSad

Hkkjrh; efgyk cSad

fcgkj {ks=h; xzkeh.k cSad

dsujk cSad

dkosjh dYir# xzkeh.k cSad

lsUVªy cSad v‚Q bafM;k

pSrU; xksnkojh xzkeh.k cSad

NÙkhlx<+ xzkeh.k cSad

fpdexywj dksMkxq xzkeh.k cSad

flVh ;wfu;u cSad

dkiksZjs'ku cSad

MDdu xzkeh.k cSad

fnYyh foÙkh; fuxe

nsuk cSad

nsuk xqtjkr xzkeh.k cSad

vuqyXud & II

14


Øñ lnL; _.knk=h laLFkk,a çLrko vuqeksfnr çLrko vuqeksfnrlañ jkf'k jkf'k

¼` yk[k½ ¼` yk[k½

33 1504 46820.35 3805 117477.50

34 1 2.00 1471 2203.55

35 8 275.00 12 428.00

36 0 0.00 123 226.04

37 0 0.00 44 180.60

38 0 0.00 120 243.24

39 1196 33640.00 2798 77144.74

40 2 28.08 631 6172.52

41 57 1224.36 853 4227.36

42 449 5264.51 2826 55264.05

43 3271 13839.31 18487 57506.12

44 17549 91022.40 105022 494392.73

45 0 0.00 4 60.88

46 8 412.75 104 2939.78

47 0 0.00 15 87.11

48 0 0.00 1116 292.67

49 0 0.00 404 1857.09

50 3771 21597.06 16862 83734.10

51 20 47.79 13096 26396.76

52 0 0.00 2809 6108.13

53 110 878.16 266 2508.06

54 46 1234.05 116 4047.27

55 0 0.00 17 25.77

56 46 434.77 64 665.42

57 3 15.85 538 1212.19

58 0 0.00 49 73.77

59 39 43.25 855 3176.56

60 0 0.00 93 158.02

61 0 0.00 423 1452.93

62 0 0.00 11 66.26

63 0 0.00 91 240.40

64 0 0.00 176 1458.57

65 0 0.00 5633 18921.19

66 0 0.00 14 240.50

MkW;p cSad

nqxZ jktuanxkao xzkeh.k cSad

,DliksVZ bEiksVZ cSad v‚Q bafM;k

xqM+xkao xzkeh.k cSad

gkM+kSrh {ks=h; xzkeh.k cSad

gfj;k.kk xzkeh.k cSad

,pMh,Qlh cSad fyfeVsM

fgekpy xzkeh.k cSad

vkbZlhvkbZlhvkbZ cSad

vkbZMhchvkbZ cSad fyfeVsM

bafM;u cSad

bafM;u vksojlht cSad

baMlbaM cSad fyfeVsM

vkbZ,uth oS'; cSad fyfeVsM

ts ,aM ds xzkeh.k cSad

t;iqj Fkkj xzkeh.k cSad

>kj[kaM xzkeh.k cSad

dukZVd cSad fyfeVsM

dukZVd fodkl xzkeh.k cSad

dk'kh xkserh la;qr xzkeh.k cSad

dsjy foÙk fuxe

dksVd efgUæk cSad

—".kk xzkeh.k cSad

y{eh foykl cSad

ykaxih nsgkaxh :jy cSad

e/; Hkkjr xzkeh.k cSad

e/; fcgkj xzkeh.k cSad

,ethch xzkeh.k cSad

fetksje xzkeh.k cSad

uSuhrky & vYeksM+k {ks=h; xzkeh.k cSad

ueZnk ekyok xzkeh.k cSad

jk"Vªh; y?kq m|ksx dkiksjs'ku fyfeVsM

uhykapy xzkE; cSad

iwoksZÙkj fodkl foÙk fuxe fyfeVsM

15



¼` yk[k½ ¼` yk[k½

67 113 206.29 758 1210.51

68 3586 30968.45 19020 185753.37

69 0 0.00 202 55.84

70 0 0.00 332 1814.16

71 2 2.50 1755 2176.22

72 4 1.90 243 182.54

73 6 23.40 3609 10474.68

74 1336 7900.79 5709 29082.16

75 25291 132843.67 138903 681756.01

76 0 0.00 14966 23702.35

77 0 0.00 136 517.01

78 0 0.00 9 41.86

79 0 0.00 309 964.07

80 53 118.51 924 99.00

81 6 9.46 433 833.48

82 0 0.00 2785 3004.90

83 0 0.00 183 1282.52

84 0 0.00 64 216.71

85 0 0.00 157 286.20

86 112 4778.72 5548 122937.75

87 178 243.71 17232 26947.18

88 192 5183.93 1186 27560.24

89 4132 21976.64 20035 62198.26

90 2616 15868.30 11445 53261.67

91 44548 267235.93 327608 1579298.59

92 2879 24588.05 14212 92552.06

93 3904 28184.56 16083 113921.35

94 3772 21330.08 24209 98033.06

95 0 0.00 44 192.62

96 0 0.00 13 7.00

97 18641 96700.78 57052 287074.63

98 181 2172.13 925 10282.82

99 25 461.45 64 1564.23

100 268 937.19 5108 26636.04

ukFkZ ekykckj xzkeh.k cSad

vksfj,UVy cSad v‚Q dkelZ

iYyou xzke cSad

ioZrh; xzkeh.k cSad

ikaM~;u xzke cSad

çxfr xzkeh.k cSad

çFkek cSad

iatkc ,aM fla/k cSad

iatkc us'kuy cSad

iwokaZpy xzkeh.k cSad

jktLFkku xzkeh.k cSad

_f"kdqY; xzkeh.k cSad

leLrhiqj {ks=h; xzkeh.k cSad

loZ gfj;k.kk xzkeh.k cSad

lriqM+k ueZnk {ks=h; xzkeh.k cSad

loZ ;wih xzkeh.k cSad

lkSjk"Vª xzkeh.k cSad

'kkjnk xzkeh.k cSad

Js;l xzkeh.k cSad

Hkkjrh; y?kq m|ksx fodkl cSad

lkmFk eykckj xzkeh.k cSad

LVSUMMZ pkVZMZ cSad

LVsV cSad v‚Q chdkusj ,aM t;iqj

LVsV cSad v‚Q gSnjkckn

Hkkjrh; LVsV cSad

LVsV cSad v‚Q eSlwj

LVsV cSad v‚Q ifV;kyk

LVsV cSad v‚Q =ko.kdksj

ljxqtk {ks=h; xzkeh.k cSad

lryqt xzkeh.k cSad

flafMdsV cSad

rfeyukMq edsZUVkby cSad fyfeVsM

fn /kuy{eh cSad fyfeVsM

fn QsMjy cSad fyfeVsM

16



¼` yk[k½ ¼` yk[k½

101 14635 19771.28 35515 44723.71

102 24 580.38 156 2770.00

103 137 1205.65 403 3856.89

104 79 865.76 271 2384.41

1050 0.00 2717 5000.64

106 0 0.00 489 1149.74

107 0 0.00 4 45.35

108 9668 47535.68 53793 235617.42

109 27737 79694.81 77061 251708.78

110 3786 14350.22 44853 192983.11

111 11 32.00 482 1186.83

112 1 3.50 588 2788.01

113 1 3.00 1055 1470.95

114 0 0.00 2642 7094.69

115 0 0.00 275 610.75

116 4229 40394.16 11613 94538.98

117 0 0.00 55 122.36

118 0 0.00 545 3581.13

119 4 148.00 76 3350.50

403422 2127482.10 1817245 9044590.58

fo'ks"k % vUroZrhZ fujLrhdj.kksa@la'kks/kuksa ds dkj.k okLrfod vkadM+ksa esa varj gks ldrs gSA

fn tEew ,aM d'ehj cSad fyfeVsM

fn d:j oS'; cSad fyfeVsM

fn uSuhrky cSad fyfeVsM

fn lkmFk bafM;u cSad fyfeVsM

rfeyukMq baMfLVª;y bUosLVesaV dkiksZjs'ku fyfeVsM

f=iqjk xzkeh.k cSad

f=os.kh {ks=h; xzkeh.k cSad

;wdks cSad

;wfu;u cSad v‚Q bafM;k

;wukbVsM cSad v‚Q bafM;k

mÙkj fcgkj xzkeh.k cSad

mÙkjkapy xzkeh.k cSad

mÙkjcaxk {ks=h; xzkeh.k cSad

oukapy xzkeh.k cSad

fonHkZ {ks=h; xzkeh.k cSad

fot;k cSad

fo'os'ojS;k xzkeh.k cSad

oSuxaxk —".kk xzkeh.k cSad

;l cSad fyfeVsM

dqy

17

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½foÙkh; o"kZ 2015 ds nkSjku jkT;&okj vuqeksfnr xkjafV;ka rFkk ;Fkk 31 ekpZ 2015 rd dk lap;h


Øñ jkT;@dsaæ 'kkflr çns'k dk uke çLrko vuqeksfnr çLrko vuqeksfnrlañ jkf'k jkf'k

¼` yk[k½ ¼` yk[k½

1 299 1921.11 1449 7278.44

2 16043 78711.98 85859 349676.99

3 1749 7375.51 4456 21792.40

4 14405 51228.96 68339 234792.03

5 20650 102817.18 99468 417940.09

6 669 6675.28 3824 28087.74

7 5945 33677.02 22473 139642.93

8 73 1778.01 338 7897.69

9 80 2075.04 297 6782.56

10 3719 52983.47 16335 222985.37

11 2204 12906.70 12134 78769.23

12 12632 120963.28 73677 651714.89

13 4748 43794.02 22440 186015.18

14 6481 37114.22 34753 200517.15

15 17912 36084.89 48843 100882.28

16 16653 114548.92 73828 451383.69

17 39561 224817.31 153961 792166.63

18 41624 112473.77 169793 431312.10

19 56 200.88 213 554.91

20 14999 82133.91 57826 316433.75

21 44835 266869.54 122941 993351.17

22 1389 3144.30 4587 14094.19

23 1000 4321.33 5943 28087.92

24 717 2729.05 2788 11110.20

25 1251 3545.79 3442 13507.92

26 14845 78383.63 91462 383214.33

27 606 2032.84 2521 10969.97

28 7458 53398.63 35387 239516.83

29 10145 79312.70 61652 328789.74

30 304 1366.78 1462 5771.11

31 42557 172043.76 172904 724027.09

32 1111 4248.29 7923 28239.82

33 36418 205008.97 207929 919586.46

34 5011 27025.69 22812 124184.99

35 15273 99769.34 123186 573512.79

403422 2127482.10 1817245 9044590.58

vaMeku vkSj fudksckj

vkU/kz çns'k

v#.kkpy çns'k

vle

fcgkj

paMhx<+

NÙkhlx<+

nknjk vkSj uxj gosyh

neu vkSj nho

fnYyh

xksok

xqtjkr

gfj;k.kk

fgekpy çns'k

tEew vkSj d'ehj

>kj[kaM

dukZVd

dsjy

y{k}hi

e/; çns'k

egkjk"Vª

ef.kiqj

es?kky;

fetksje

ukxkySUM

vksfM'kk

iqMqpsjh

iatkc

jktLFkku

flfDde

rfeyukMq

f=iqjk

mÙkj çns'k

mÙkjk[kaM

if'pe caxky

dqy

vuqyXud & III

18


lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½foÙkh; o"kZ 2015 ds nkSjku {ks=&okj vuqeksfnr xkjafV;ka rFkk ;Fkk 31 ekpZ 2015 rd dk lap;h


Øñ {ks= dk uke çLrko vuqeksfnr çLrko vuqeksfnrlañ jkf'k jkf'k

¼` yk[k½ ¼` yk[k½

1 0 0.00 1 1.902 651 7091.82 4667 43586.563 241 2834.16 1445 15769.184 520 10569.16 3839 64887.405 0 0.00 1 0.756 1653 15853.84 11973 97365.127 930 12184.45 5473 65242.298 0 0.00 1 2.159 10005 63495.74 55039 340629.4810 0 0.00 7 20.5811 14694 7333.30 61252 24696.9012 274 3465.45 2710 18553.1413 0 0.00 2 3.2014 112 842.40 1319 6094.1915 1146 7362.36 8267 40956.4516 0 0.00 8 117.0617 0 0.00 0 0.0018 3848 36628.74 35705 247251.4619 0 0.00 3 7.7520 330 7660.04 105334 349657.7221 642 9541.65 3618 51770.8822 556 7278.54 5030 50244.7123 46348 370736.34 206745 1564375.9624 260383 1146228.35 997725 4325319.8025 1545 18383.24 8904 98538.0926 0 0.00 1 2.8527 1 13.00 960 657.4628 215 936.35 1428 7727.4929 133 883.80 1316 7119.3330 293 4615.54 1919 26471.9231 0 0.00 550 1326.1132 44154 295831.01 211653 1102891.5133 377 5923.42 2137 28382.1534 0 0.00 1 25.0035 0 0.00 1 1.9036 0 0.00 18 4.5037 0 0.00 1348 337.0038 8340 64160.97 45152 343569.0939 570 4922.10 2545 25189.0140 4080 19560.31 20980 79072.5241 0 0.00 5 13.3042 1381 3146.02 8163 16706.72

403422 2127482.10 1817245 9044590.58

ckal mRikn ewy /kkrq m|ksx is;] rEckdw vkfn jlk;u vkfn lwrh fofuekZ.k lwrh oL=fctyh dh e'khusa bathfu;afjax [kk| mRikn tujy bathfu;fjax gFkdj?kk cqukbZlwpuk çkSf|fxdh vkHkw"k.k fofuekZ.k twV oL= peZ vkSj ykse'k mRikn fofuekZ.k fMyhax miLdj dk fofuekZ.k /kkrq mRiknekbØks Qsfczds'kudksbZ {ks= ifjHkkf"kr ughaxSj&fctyh okyh e'khujh] vkStkj vkSj dy&iqtsZxSj /kkrq mRiknvU; fofuekZ.kvU; dkxt vkSj eqæ.k IykfLVd m|ksx ejEer lsok,a iwathxr eky ds vykok ejEer lsok,a iwathxr eky ds fy, ejEEr lsok,a jcj] isVªksfy;e vkfn lsok lsok,a ¼m|ksx lac)½ l‚¶Vos;j ,l,lvkbZ vkSj fofuekZ.k,l,l,lchbZ oL= oL= m|ksx oL= mRikn ifjogu miLdjydM+h dk QuhZpj ydM+h mRikn Åu] js'ke vkfn

dqy

vuqyXud & IV

19


lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½foÙkh; o"kZ 2015 ds nkSjku LySc&okj xkjaVh vuqeksfnr rFkk ;Fkk 31 ekpZ 2015 rd dk lap;h


Øñ nk;jk çLrkoksa vuqeksfnr çLrkoksa vuqeksfnrlañ dh la[;k jkf'k dh la[;k jkf'k

¼` yk[k½ ¼` yk[k½

1 100,000/- rd 117255 63394.79 611647 306205.84

2 100,001 ls 200,000/- 104721 165660.49 433438 660992.11

3 200,001 ls 500,000/- 87184 318287.62 388431 1402658.60

4 500,001 ls 10,00,000/- 49413 373298.44 185957 1428703.59

5 10,00001 ls 25,00000/- 30892 543438.42 140695 2420107.54

6 25,00,001 ls 50,00,000/- 10290 385230.27 40004 1517994.91

7 50,00,001 ls 100,00,000/- 3667 278172.07 17073 1307927.99

dqy 403422 2127482.10 1817245 9044590.58


vuqyXud & V

20

[kkrksa dk fooj.k

2014-2015

ys[kk ijh{kdksa dh fjiksVZ

çfr]U;klh eaMy]lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV]eqacbZ

geus ;Fkk 31 ekpZ 2015 dh ;FkkfLFkfr ds vuqlkj ,oa lw{e vkSj y?kq m|e ØsfMV xkjaVh fuf/k VªLV ds layXu] rqyui= vkSj mlds lkFk layXu blh rkjh[k dks lekIr o"kZ ds fy, vk; vkSj O;; [kkrs rFkk udnh çokg fooj.k nksuksa dh ys[kkijh{kk dh gSA bu foÙkh; fooj.kksa dh ftEesnkjh U;klh çcU/ku dh gSaA gekjk nkf;Ro ;g gS fd ge vius ys[kkijh{kk ds vk/kkj ij bu foÙkh; fooj.kksa ds ckjs esa vfHker O;ä djsa A

Hkkjr esa lkekU;r;k Loh—r ys[kkadu ekudksa ds vuqlkj geus viuh ys[kkijh{kk laiUu dh gSA mu ekudksa ds varxZr ;g visf{kr gS fd ge viuh ys[kk&ijh{kk dh ;kstuk vkSj fu"iknu bl çdkj djsa fd foÙkh; fooj.kksa ds rF;xr feF;k dFkuksa ls eqä gksus ds fo"k; esa leqfpr :i ls vk'oLr gqvk tk ldsA ys[kk&ijh{kk esa ijh{k.k ds vk/kkj ij tk¡p] foÙkh; fooj.kksa esa ?kks"k.kkvksa vkSj /kujkf'k;ksa ds leFkZu esa lk{;ksa dks 'kkfey fd;k tkrk gSA ys[kkijh{kk esa çca/ku }kjk çLrqr ys[kkadu fl)karksa vkSj fd, x, egRoiw.kZ vuqekuksa ds vkdyu ds lkFk&lkFk lexz foÙkh; çLrqfr dk ewY;kadu Hkh 'kkfey gksrk gSA ges fo'okl gS fd gekjh ys[kkijh{kk ;qfälaxr vk/kkj çLrqr djrh gSA

ge fuEukuqlkj lwfpr djrs gSa %

d½ 49]03]399 yafcr ikofr;ksa ds fofu;kstu ds lanHkZ esa lwpuk ds vykok geus os lHkh t:jh lwpuk vkSj Li"Vhdj.k çkIr fd, tks gekjs loksZÙke Kku vkSj fo'okl ds vuqlkj gekjh bl ys[kkijh{kk ds ç;kstu gsrq vko';d Fks(

[k½ gekjk vfHker gS fd [kkrkcfg;ksa dh geus tks tkap dh] mlls ;gh çrhr gksrk gS fd VªLV us dkuwuu visf{kr leqfpr [kkrkcfg;ksa dk j[kj[kko fd;k gS(

x½ bl fjiksVZ esa ftl rqyui=] vk; vkSj O;; [kkrs rFkk udnh çokg fooj.k dk mYys[k gS] og [kkrkcfg;ksa ds vuq:i gS( vkSj

?k½ gekjh jk; esa foÙkh; fooj.kksa vkSj muds lkFk ifBr fVIif.k;ka Hkkjr esa lkekU;r% Lohdk;Z ys[kkadu & fl)karksa ds vuq:i lR; ,oa mfpr fLFkfr çLrqr djrh gSa(

i. rqyui= ds ekeys esa ;Fkk 31 ekpZ 2015 dks VªLV ds dkedkt ds ckjs esa(

ii. vk; vkSj O;; [kkrs ds ekeys esa blh rkjh[k dks lekIr foÙk o"kZ ds fy, VªLV ds vf/k'ks"k ds ckjs esa( vkSj

iii. udnh çokg fooj.k ds ekeys esa blh rkjh[k dks lekIr o"kZ ds fy, VªLV ds udnh çokg ds ckjs esaA —rs ds- ,l- la?koh ,UM dEiuh lunh ys[kkdkj¼QeZ jft- la- 116714W½

riu la?koh Hkkxhnkj LFkku % ubZ fnYyhlnL;rk la[;k % 122244 fnukad % 05 vxLr] 2015

`

22

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½31 ekpZ 2015 dh fLFkfr dk rqyui=

fooj.k vuqlqfp;ka 31-03-2015 dks

¼`½ ¼`½ ¼`½ ¼`½

31-03-2014 dks

fuf/k dk lzksrewy fuf/k 1 33,24,90,11,021 34,10,23,00,950

lkekU; fuf/k;ka 2 74,61,100 76,13,445

pkyw ns;rk,a vkSj çko/kku 3 18,20,63,94,738 14,28,05,17,872

dqy 51,46,28,66,859 48,39,04,32,267

fuf/k dk vuqç;ksxfLFkj vkfLr;ka

dEI;wVj ,oa lk¶Vos;j 1,74,33,941 1,69,53,273

?kVk,a % ewY;âkl 1,73,98,631 35,310 1,69,52,301 972

QuhZpj vkSj tqM+ukj 11,46,386 45,500

?kVk,a % ewY;âkl 3,20,721 8,25,665 45,499 1

eksVj dkj 12,66,029

?kVk,a % ewY;âkl 2,53,205 10,12,824

fctyh ds midj.k 9,83,718 1,41,292

?kVk,a % ewY;âkl 3,50,551 6,33,167 1,38,598 2,694

25,06,966 3,667

fuos'k 4 48,05,53,30,745 45,57,47,36,736

pkyw vkfLr;ka

jksdM 'ks"k 4,826 576

cSad esa 'ks"k jkf'k 5 48,37,746 3,13,02,420

mifpr vk; 6 1,13,70,961 5,77,75,470

çkI; jkf'k;ka 7 18,36,41,463 32,25,95,818

tek jkf'k;ka ¼fdjk;k½ 70,20,000 -

xkjaVh nkoksa dk vfxze Hkqxrku 4,45,961 16,07,24,315

dj çkf/kdj.kksa ls okilh ;ksX; jde 8 3,19,77,08,191 2,24,32,93,265

dqy 51,46,28,66,859 48,39,04,32,267

ys[ks ls lac) fVIif.k;ka 10 - 0

gekjh le fnukafdr fjiksVZ ds vuqlkj mDr rqyui= vkSj blls layXu lHkh vuqlwfp;kas dk ge ,rn~}kjk lR;kiu djrs gSa

Ñrs ds- ,l- la?koh ,aM dEiuh VªLVh cksMZ dh vksj ls lunh ys[kkdkjvkbZlh,vkbZ QeZ iathdj.k la- g/-

riu la/koh lnL;rk la- 122244 ¼MkW- {k=ifr f’kokth½Hkkxhnkj v/;{k

LFkku % ubZ fnYyh ¼vejsUæ flUgk½ ¼çnhi ekGxkaodj½ fnukad % 05] vxLr 2015 mik/;{k lnL; lfpo

116714W

( )

rqyui=

23

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½31 ekpZ 2015 dks vk; vkSj O;; [kkrk

fooj.k vuqlqfp;ka jkf'k ¼ esa½

orZeku o"kZ foxr o"kZ

`

vk;

fuos'k ij C;kt 4,39,53,47,923 4,13,91,87,886

xkjaVh 'kqYd 1,66,82,67,743 1,03,58,04,610

okf"kZd xkjaVh 'kqYd 84,27,18,079 43,50,472

okf"kZd lsok 'kqYd 2,13,74,36,840 2,55,66,81,589

fofo/k vk; 8,60,859 6,00,102

naMkRed C;kt ls vk; 85,425 1,32,439

Hkqxrku fd, x, nkoksa ij ,e,yvkbZ ls olqfy;ka 31,49,69,463 15,32,99,736

vk;dj okilh ij C;kt - -9,35,96,86,332 7,89,00,56,834

O;;

ifjpkyu vkSj vU; ç'kklfud O;; 9 6,85,77,487 5,55,52,184

xkjaVh nkoksa ds fy, çko/kku 11,08,03,00,000 8,32,52,00,000

vnk fd, x, lsokdj ij C;kt 2,87,064 5,67,99,309

cSad çHkkj - 4,519

ewY;âkl 11,86,710 5,22,884

11,150,351,261 8,43,80,78,896

O;; dh rqyuk esa vk; dk vkf/kD; (1,79,06,64,929) (54,80,22,062)

tksMs @ ?kVk,a % iwoZorhZ vof/k dh ensa - -

tksMs @ ?kVk,a % cês [kkrs ds fy, vf/kD; dk çko/kku - 9,69,474

dj ls iwoZ vf/k'ks"k (1,79,06,64,929) (54,70,52,588)

?kVk,a % vk;dj gsrq çko/kku - -

dj i’pkr vf/k'ks"k (1,79,06,64,929) (54,70,52,588)

?kVk,a % lkekU; fuf/k;ka - -

O;; dh rqyuk esa vk; ds vf/k'ks"k dks lewg fuf/k esa 'kkfey fd;k x;k (1,79,06,64,929) (54,70,52,588)

[kkrksa ls lac) fVIif.k;ka 10 - 0

vk; vkSj O;;

24

gekjh le fnukafdr fjiksVZ ds vuqlkj mDr vk; vkSj O;; [kkrs rFkk blls layXu lHkh vuqlwfp;kas dk lR;kiu djrs gSa

Ñrs ds- ,l- la?koh ,aM dEiuh VªLVh cksMZ dh vksj ls lunh ys[kkdkj vkbZlh,vkbZ QeZ iathdj.k la- g/-

riu la/koh] lnL;rk la- ¼MkW- {k=ifr f’kokth½Hkkxhnkj v/;{k

LFkku % ubZ fnYyh ¼vejsUæ flUgk½ ¼çnhi ekGxkaodj½ fnukad % 05] vxLr 2015 mik/;{k lnL; lfpo

116714W

( 122244)

udnh çokg

25

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½31 ekpZ 2015 dks lekIr o"kZ ds fy, udnh çokg fooj.k

Ñrs ds- ,l- la?koh ,aM dEiuh VªLVh cksMZ dh vksj ls lunh ys[kkdkjvkbZlh,vkbZ QeZ iathdj.k la- 116714W g/-

(riu la/koh] lnL;rk la- 122244) ¼MkW- {k=ifr f’kokth½Hkkxhnkj v/;{k

LFkku % ubZ fnYyh ¼vejsUæ flUgk½ ¼çnhi ekGxkaodj½ fnukad % 05] vxLr 2015 mik/;{k lnL; lfpo-

orZeku o"kZ foxr o"kZfooj.k

31 ekpZ 2015 31 ekpZ 2015 31 ekpZ 2014 31 ekpZ 2014

fVIif.k;ka %1- udn jkf'k;ksa ,oa cSad esa 'ks"k jkf'k;ksa dks 'kkfey djrs gq, udn jkf'k;ka ,oa udn lerqY;2- dks"Bd esa fn, x, vkadMs udn jkf'k;ksa ds cfgxZeu dks n'kkZrs gSaA3- fuEufyf[kr dks 'kkfey djrs gq, 31 ekpZ] 2015 dks udn jkf'k;ka ,oa udnh lerqY; jkf'k;ka 31 ekpZ 2015 31 ekpZ 2014 udn jkf'k;ka 4,826 576

cSad esa 'ks"k 48,37,746 3,13,02,420

dqy 48,42,572 3,13,02,996

4- vko';drkuqlkj fiNys o"kZ ds vkadM+ksa dk lewgu fd;k x;k gSA mDr udn çokg fooj.k gekjh le fnukad fjiksVZ ds vuqlkj rS;kj dh xbZ gSA

ifjpkyu fØ;kdykiksa ls udnh çokgvk; ,oa O;; fooj.kh ds vuqlkj dj ls iwoZ vk; ij O;; dk vkf/kD; (54,70,52,588)

tksMs % vk; ,oa O;; [kkrksa esa ukes ewY;ºzkl lsok dj ij vnk fd;k x;k C;kt vk; ,oa O;; [kkrksa esa ukes xkjaVh nkoksa ds laca/k esa çko/kku ?kVk,a % fuos'k ij C;kt

dk;Z'khy iwath esa ifjorZu ls iwoZ udnh çokgdk;Z'khy iwath esa ifjorZu mifpr vk; esa o`f)@deh çkI; jkf'k;ksa esa o`f)@deh tek jkf'k;ksa esa o`f)@deh xkjaVh nkoksa ds vfxze Hkq~xrku esa o`f)@dehdj çkf/kdj.kksa ls okilh&;ksX; jde esa o`f)@deh orZeku ns;rkvksa esa o`f)@deh

dk;Z'khy iwath esa ifjorZu i'pkr udnh çokg esa ifjorZu ?kVk,a % o"kZ ds nkSjku fuiVk, x, nkos dj dh vfxze vnk;xh

ifjpkyu xfrfof/k;ksa ls mRiUu udn çokg ¼d½

fuos'k fØ;kdykiksa ls udnh çokg o"kZ ds nkSjku vf/kxzfgr fLFkj vkfLr;ka o"kZ ds nkSjku fuos'k esa ifjo/kZu

fuos'k xfrfof/k;ksa esa ç;qDr udn çokg ¼[k½

foRriks"k.k xfrfof/k;ksa ls mRiUu udn çokgo"kZ ds nkSjku ewy fuf/k esa dh xbZ o`f) lkekU; vkjf{kr fuf/k esa ifjorZulsok dj ij vknk fd;k x;k C;kt fuos'k ij C;kt vk;

foRriks"k.k xfrfof/k;ksa ls mRiUu udn çokg ¼x½

o"kZ ds nkSjku udn çokg esa gqbZ fuoy o`f| ¼d½+¼[k½+¼x½

udn ,oa udn leqrqY; dk vkjafHkd 'ks"k udn ,oa udn leqrqY; dk vafre 'ks"k

(1,79,06,64,929)

11,86,710 5,22,885

2,87,064 5,67,99,309

11,08,03,00,000 8,32,52,00,000

4,39,53,47,923 4,13,91,87,886

6,68,64,25,851 4,24,33,34,308

4,89,57,60,922 3,69,62,81,720

4,64,04,509 2,36,84,98,074

13,89,54,355 16,58,28,057

(70,20,000) -

16,02,78,354 (16,07,24,315)

(51,48,14,555) (83,25,22,744)

8,16,54,825 32,37,49,090

(9,45,42,512) 1,86,48,28,162

4,80,12,18,410 5,56,11,09,882

(7,23,60,77,959) (4,24,45,07,767)

(43,96,00,371) (1,02,35,00,000)

(7,67,56,78,330) (5,26,80,07,767)

(2,87,44,59,920) 29,31,02,115

(36,90,009) (5,20,188)

(2,48,05,94,009) (5,28,33,70,055)

(2,48,42,84,018) (5,28,38,90,243)

93,73,75,000 93,73,75,000

(1,52,345) (3,86,555)

(2,87,064) (5,67,99,309)

4,39,53,47,923 4,13,91,87,886

5,33,22,83,514 5,01,93,77,021

(2,64,60,424) 2,85,88,894

3,13,02,996 27,14,102

48,42,572 3,13,02,996

¼jkf'k ` esa½

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½31 ekpZ 2015 dks lekIr o"kZ gsrq rqyui= ds fu/kkZjd Hkkx dh vuqlwfp;ka

fooj.k orZeku o"kZ foxr o"kZ(`) ( )

`

vuqlwph % 1ewy fuf/kfuEufyf[kr ls çkIrHkkjr ljdkj 19,11,23,33,000 18,36,24,33,000 flMch 4,77,80,83,250 4,59,06,08,250 ¼flMch ls Øe'k% vkj,l,Q 1 vkSj 2 ds fy, çkIr #- 25]00]00]000 ,oa #- 7]77]50]000 dh fuf/k lfgr½

¼d½ 23,89,04,16,250 22,95,30,41,250O;; dh rqyuk esa vk; dk vkf/kD;vkxs yk;k x;k jkf'k 'ks"k 11,14,92,59,700 11,69,63,12,288tksM+s % orZeku o"kZ dk vfr'ks"k (1,79,06,64,929) (54,70,52,588)

¼[k½ 9,35,85,94,771 11,14,92,59,700

¼d + [k½ 33,24,90,11,021 34,10,23,00,950vuqlwph % 2lkekU; fuf/k;kavkxs yk;h xbZ jkf’k 'ks"k 76,13,445 80,00,000tksMs+ % vk; ,oa O;; [kkrs esa varfjr - - ?kVk,a % iwoZ vof/kd dh ensa (1,52,345) (3,86,555)

74,61,100 76,13,445 vuqlwph % 3pkyw ns;rk,a vkSj çko/kkuxkjaVh nkoksa ds fy, çko/kku ¼vuqlwph 10 dh fVIi.kh 8 Hkh nsf[k,½ 17,18,62,39,847 13,34,20,17,806O;; ds çfr cdk;k ns;rk,a 58,91,884 56,52,426 flMch dks çfriwfrZ ;ksX; /kujkf'k 26,10,322 48,93,462 ns; xkjaVh nkos 6,91,90,535 2,74,33,950 ns; VhMh,l 11,95,468 5,84,177ns; O;kolkf;d dj 300 600 ,yvkbZlh ls çkIr chek nkok 2,00,000 2,00,000ykSVkbZ tkus ;ksX; xkjaVh Qhl 68,27,663 6,95,542ykSVkbZ tkus ;ksX; okf"kZd lsok Qhl 21,07,12,647 12,88,23,736Mhlh ¼gLrf'kYi rFkk gFkdj?kk½] Hkkjr ljdkj ls th,Q o ,,l,Q ds fy, çkIr vfxze 31,92,978 35,66,472,th,Q ds fy, çkIr vfxze 71,54,25,987 76,00,86,581ns; lsok dj 3,708 61,31,172fofu;kstu ds fy, cdk;k çkfIr;ka 49,03,399 4,31,948

18,20,63,94,738 14,28,05,17,872 vuqlwph % 4fuos'k1½ cSadksa esa fe;knh tek esa fuos'k

i) vkj,l,Q fuf/k;ksa dk fuos'k - 33,95,96,216

ii) Mhlh ¼gLrf'kYi rFkk gFkdj?kk½] Hkkjr ljdkj ls çkIr vfxze dk fuos'k 15,29,700 20,40,068iii) ewy fuf/k vkSj vU; fuf/k;ksa dk fuos'k 48,04,44,01,045 45,23,31,00,452

2½ MhvkbZ,l ds rgr vkbZMhchvkbZ cSad fy- esa fuos'k 94,00,000 -

48,05,53,30,745 45,57,47,36,736 vuqlwph % 5 cSad esa 'ks"k jkf’kpkyw [kkrs esavkbZMhchvkbZ cSad fy- 46,16,901 3,12,07,134vkbZMhchvkbZ cSad fy- & MhvkbZ,l [kkrk - 947vkbZMhchvkbZ cSad fy- & Mhlh ¼gLrf'kYi½] Hkkjr ljdkj 24,140 24,140 vkbZMhchvkbZ cSad fy- & Mhlh ¼gFkdj?kk½] Hkkjr ljdkj 1,96,705 70,199

48,37,746 3,13,02,420

vuqlwph

26

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½31 ekpZ 2015 dks lekIr o"kZ gsrq rqyui= ds fu/kkZjd Hkkx dh vuqlwfp;ka

fooj.k orZeku o"kZ foxr o"kZ(`) (`)

vuqlwph % 6mifpr vk;çkI; okf"kZd lsok 'kqYd - 5,77,75,470

çkI; okf"kZd 'kqYd] 2015 2,97,158 -

çkI; okf"kZd lsok 'kqYd 10,063 -

çkI; okf"kZd lsok 'kqYd ¼iqu% çpyu@o`f)½ 1,10,63,740 -

1,13,70,961 5,77,75,470

vuqlwph % 7

çkI; /kujkf'k;ka iwoZnÙk O;; 3,85,749 3,88,776

MhvkbZ,l çkI; jkf'k;ka - 40,201

çkI; xkjaVh nkosa 3,95,605 33,451

çkI; xkjaVh 'kqYd 24,15,562 -

çkI; lsuosV ØsfMV gsrq çko/kku 7,88,922 8,10,141

lsokdj okilh 7,65,72,058 4,80,82,452

flMch@vkbZ,l,vkjlh ls olwyh ;ksX; 2,81,245 97,912

olwyh ;ksX; lsokdj 10,28,02,322 27,31,42,885

18,36,41,463 32,25,95,818

vuqlwph % 8dj çkf/kdj.kksa ls okilh ;ksX; jdeçfrnk; vk;dj 31/3/07 8,68,43,908 8,68,43,908

çfrnk; vk;dj 31/3/08 3,99,29,054 3,99,29,054

çfrnk; vk;dj 31/3/09 2,21,18,100 2,21,18,100

çfrnk; vk;dj 31/3/13 23,72,09,453 23,72,09,453

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/10 1,52,88,27,407 1,52,88,27,407

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/11 51,48,14,555 -

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/12 - -

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/13 2,19,876 2,19,876

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/14 1,43,95,52,963 1,43,95,52,963

vfxze dj] Hkqxrku fd;k x;k VhMh,l 31/3/15 43,96,00,371 -

çfrnk; vuqykHk dj 3,55,502 3,55,502

¼d½ 4,30,94,71,189 3,35,50,56,263

?kVk,a % VSDl gsrq çko/kku 31/03/10 1,11,17,62,998 1,11,17,62,998

VSDl gsrq çko/kku 31/03/11 - -



¼[k½ 1,11,17,62,998 1,11,17,62,998

dj çkf/kdj.kksa ls okilh ;ksX; jde ¼d½&¼[k½ = 3,19,77,08,191 2,24,32,93,265

vuqlwph

27

28

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½vk; vkSj O;; ds fu/kkZjd Hkkx dh vuqlwfp;ka & 31 ekpZ 2015 dks lekIr o"kZ gsrq

vuqlwph % 8

ifjpkyu vkSj vU; ç'kklfud O;;

,lh,lvkbZlh O;;

foKkiu vkSj çpkj O;;

ys[kkijh{kd dks ikfjJfed

cksMZ cSBd ij O;;

vkokxeu vkSj okgu ij O;;

dwfj;j@Mkd çHkkj

fctyh laca/kh O;;

chek çHkkj

vkarfjd ys[kkijh{kdksa dks ikfjJfed

vkbZVh lsok

baVjusV O;;

C;kt O;;

lnL;rk 'kqYd

fofo/k O;;

u, dk;kZy; esa f'k¶V gksus laca/kh O;;

dk;kZy; O;;

dk;kZy; dk fdjk;k

dkfeZdksa ij ykxr vkSj O;;

eqæ.k vkSj ys[ku lkexzh

O;kolkf;d Qhl

VsfyQksu ij O;;

3,27,265 4,75,842

19,38,533 37,07,911

3,10,000 3,10,000

1,00,371 71,486

7,39,014 8,22,583

1,20,532 2,59,211

3,52,915 -

19,761 20,159

2,85,000 2,00,000

82,78,439 66,44,948

- 10,068

41,22,604 -

1,51,549 1,69,196

20,87,083 12,04,519

2,06,000 -

ifjlj j[k&j[kko O;; 2,70,443 -

28,10,186 19,48,822

v/;;u O;; - 42,20,000

99,53,322 80,90,522

3,25,65,098 2,47,56,884

5,95,710 7,87,028

16,20,000 11,02,673

lqj{kk O;; 1,41,382

3,28,243 2,54,987

;k=k laca/kh O;; 12,54,037 4,95,345

6,85,77,487 5,55,52,184

vuqlwph

fooj.k orZeku o"kZ foxr o"kZ(`) ( )

`

vuqlwph% 10 %& [kkrksa ij fVIif.k;ka % rkSj ij cUn dj fn;k x;kA ekpZ 31] 2015 dh ;FkkfLFkfr ds vuqlkj 7238 ¼xr o"kZ 3064½ vkosnu fuiVku ds fy, yafcr Fks]

1- fof'k"V ys[kkadu uhfr;ka tks ckn esa fuiVk, x,A

d½ ys[kkadu ifjikfV;ka 3- jksds x, nkoksa ds çko/kkuksa ds vfrfjä] nh xbZ@Loh—r xkjaVh gsrq VªLV dh vkdfLed :i ls ns;rk gksrh gS] tks fd ,sfrgkfld ys[kkadu ds lkFk&lkFk lkekU;r;k Loh—r ,e,lbZ] ftuds laj{k.k ds fy, ,slh xkjaVh nh xbZ@Loh—r dh ys[kkadu fl)karksa dks /;ku esa j[krs gq, bu foÙkh; fooj.kksa dks xbZ] }kjk xSj&fu"iknu ds dkj.k gksrh gSaArS;kj fd;k x;k gSA

[k½ vk; vkSj O;; dk fu/kkZj.k

VªLV }kjk ys[kkadu ds fy, edsZUVkby vk/kkj dk vuqlj.k fd;k tkrk gSA

x½ LFkk;h vkfLr;ka

LFkk;h vkfLr;ka dks ykxr esa ls ewY;âkl djus ds ckn n'kkZ;k x;k gS rFkk dEI;wVj ,oa lk¶Vos;j] QuhZpj vkSj tqMukj ij 100%] fctyh ds midj.kksa ij 50% vkSj eksVj dkj ,oa IykaV

4- VªLV dk;kZy; ifjlj] LVkQ vkSj vkbZVh lsok dh lqfo/kkvksa o e'khujh ij 20% dh nj ls ewY;âkl fy;k x;k gSA LFkk;h dks flMch ls çkIr djrk gSA flMch vkSj VªLV ds chp 4 väwcj vkfLr;ksa ij ewY;âkl Þlh/kh dVkSrh i)frß ls yxk;k tkrk 2001 dks gq, le>kSrk Kkiu ds vuqlkj VªLVh dh vksj ls flMch gSA}kjk ç'kklfud O;; ds :i esa] fd, x, O;; ds fy, VªLVh 20% dh nj ls lsok 'kqYd dk Hkqxrku djrk gS] tks fd tqykbZ 2009 rd ?k½ fuos'k lh/ks gh VªLV ds dk;ksaZ ds fy, fd, tkrs FksA gkykafd vkil esa

fuos'kksa dks mu ij mifpr C;kt ds lkFk ykkxr ij n'kkZ;k feydj fd, x, fu.kZ; ds vuqlkj vxLr 2009 ls bls lekIr dj

x;k gSA tksf[ke 'ks;fjax fuf/k vkSj mik;qä ¼gFkdj?kk½ rFkk fn;k x;kA

mik;qä ¼gLrdf'kYi½] Hkkjr ljdkj ds dk;kZy; ls çkIr fuf/k ls lacaf/kr fuos'kksa dks rqyui= esa vyx ls n'kkZ;k x;k 5- VªLV igyh ckj esa fuiVk, x, nkos ds 75% dk Hkqxrku djrk gSA gS] 'ks"k jkf'k dk Hkqxrku lnL; _.knkrk laLFkkvksa }kjk fu/kkZfjr

dkuwuh çfØ;k iwjh djus ds ckn esa fd;k tkrk gSA 109 ekeyksa esa M-½ iwoZorhZ vof/k dk lek;kstu

¼xr o"kZ 376 ekeys½ 25% dk ijkorhZ Hkqxrku fd;k x;kA gkykafd] iwoZorhZ@foxr o"kksaZ ls lacaf/kr O;; vkSj vk; dks iwoZorhZ vU; ekeyksa esa lnL; _.knkrk laLFkkvksa }kjk dkuwuh vis{kkvksa dk vof/k dh enksa ds rkSj ij fglkc esa fy;k x;k gSA vuqikyu vHkh fd;k tkuk gS] ftlls os 'ks"k jde dks çkIr djus ds

ik= curs gSaA p½ lsokfuo`fÙk ykHk

6- ys[kkijh{kd dk ikfjJfed 3]48]316/- bl VªLV esa çfrfu;qfä ij vk, vius deZpkfj;ksa dks ¼xr o"kZ 3]48]316/-½ lsokfuo`fÙk ds ykHk flMch çnku djrk gS vkSj çfriwfrZ ds

vk/kkj ij bls vk;&[kkrs esa okf"kZd vk/kkj ij çHkkfjr fd;k tkrk gSA

2- VªLV dks lap;h vk/kkj ij 31 ekpZ 2015 rd 71 lnL; _.knkrk laLFkkuksa ls 80950 ¼xr o"kZ 48004½ nkok&vkosnu çkIr gq,A VªLV us eq[; :i ls çFke fdLr ds :i esa 63032 ik=&nkoksa ¼xr o"kZ 33437½ ds fy, 1492-58 djksM+ ¼xr o"kZ 775-60 djksM+½ dk fuiVku fd;kA lnL; _.knkrk laLFkkuksa us 75 vkosnu okil fy,A çfrHkwfr ds ckjs esa fooj.k@vuqnku jkf'k ds ckjs esa ekaxh xbZ vfrfjä tkudkjh çkIr ugha gqgZ vkSj blfy, nkoksa dks vLFkk;h

`

`

` `

lw{e ,oa y?kq m|e ØsfMV xkjaVh fuf/k VªLV ¼lhthVh,e,lbZ½rqyui= vkSj vk; rFkk O;; [kkrs dk va'k rS;kj djus dh vuqlwph

ys[kk fVIif.k;k¡

29

fooj.k dks 31-03-2014 dks

xkjaVh vuqeksnu

tkjh dh xbZ xkjaVh 81,772.07 63,353.23

LohÑr xkjaVh] 8459.68 6673.06dk;kZUo;u cdk;k jgk

31-03-2015

90,445.90 70,026.28

(` djksM+ esa)

fooj.k orZeku foxro"kZ o"kZ

ys[kkijh{kk Qhl 2,50,000

VSDl vkWfMV Qhl 60,000 60,000

lsok dj 38,316 38,316

dqy

2,50,000

3,48,316 3,48,316

(` esa)

7- djk/kku ¼vihy½ & lhvkbZVh¼,½ esa ,d vihy nk;j dh gS rFkk lhvkbZVh¼,½ ds le{k lquokbZ çfØ;k esa gSA VªLV us vkbZVhvks¼bZ½

VªLV dks foÙk vf/kfu;e 2002 }kjk 01-04-2002 ls vk;dj rFkk MhvkbZVh¼bZ½ esa fu/kkZj.k o"kZ 2010&11 gsrq ekaxh xbZ vf/kfu;e] 1961 ¼Þvf/kfu;eß½ dh /kkjk 10¼23bZch½ ds varxZr 1]74]67]65]531/- dh jkf'k ij jksd yxkus gsrq vkosnu fd;k FkkA vf/klwfpr fd;k x;k Fkk vkSj rnuqlkj fu/kkZj.k o"kZ 2002&03 ls MhvkbZVh¼bZ½ }kjk VªLV dks funsf'kr fd;k x;k Fkk fd vkbZVh,Vh fu/kkZj.k o"kZ 2006&07 rd ik¡p o"kksaZ dh vof/k ds fy, vf/kfu;e dk fu.kZ; yafcr gksus ds dkj.k] ekpZ 2014 rd 10 fdLrksa esa dh /kkjk 10¼23bZch½ ds varxZr VªLV dh vk; dks dj eqDr dj fn;k 41-61 djksM+ dh jkf'k dk varfje Hkqxrku fd;k tk,] tks fd VªLV x;k FkkA us fof/kor :i ls tek dj fn;k FkkA

VªLV dks vk; dj vf/kfu;e dh /kkjk 12, ds varxZr iath—r fu/kkZj.k o"kZ 2009&10 gsrq vkdyu dk;Zokfg;ksa dks vafre :i fd;k x;k Fkk vkSj rnuqlkj blus fu/kkZj.k o"kZ 2007&08 rFkk nsrs le;] tkudkj vkdyu vf/kdkjh us 94]38]84]008/- vkSj fu/kkZj.k o"kZ 2008&09 ds fy, vf/kfu;e dh /kkjk 11 ds varxZr 154]61]77]037/- dh vfrfjä jkf'k;ka tksM+ nh gSa] tks fd Øe'k% NwV dk nkok fd;kA lacfU/kr fu/kkZj.k o"kksaZ ds fy, NwV dk nkok fu/kkZj.k o"kZ 2007&08 ,oa fu/kkZj.k o"kZ 2008&09 ds nkSjku /kkjk djrs le;] vf/kfu;e dh /kkjk 11¼2½ ds vuqlkj VªLV us vk; dk 11¼2½ ds varxZr lafpr jkf'k;ka gSa rFkk lkFk gh] mUgksaus o"kZ ds 85% lap; fd;k vkSj bls mu mís';ksa ds fy, O;; fd;k tkuk Fkk] nkSjku] VªLV ds voLFkkidksa ls ewy fuf/k ds çfr va'knkuksa ds :i esa ftlds fy, mldh LFkkiuk dh xbZ FkhA 156]10]25]000/- dh vfrfjä jkf'k Hkh tksM+h gS] ftls /kkjk

2¼24½¼ii,½ ds varxZr LoSfPNd va'knku ds :i esa vk; dh rjg foÙk vf/kfu;e] 2008 us 1-4-2008 vFkkZr fu/kkZj.k o"kZ 2009&2010 ekuk x;k gS rFkk rnuqlkj 306]66]43]175/- dh jkf'k dh ekax dh ls /kkjk 2¼15½ dks la'kksf/kr fd;kA rnuqlkj] VªLV us fu/kkZj.k o"kZ xbZ gSA bl vfrfjä jkf'k ds fo#) VªLV us lhvkbZVh¼,½ ds le{k 2009&10 rFkk mlds i'pkr /kkjk 11 ds ykHk vkSj vk; ds lap;u ,d vihy nk;j dh gS] ftldk fuiVku yafcr gSA dk nkok ugha fd;k gSA

fu/kkZj.k o"kZ 2012&13 gsrq vkdyu dk;Zokfg;ksa dks vafre :ivk;dj funs'kd ¼NwV½ & MhvkbZVh ¼bZ½ us fu"d"kZ fn;k Fkk fd nsrs le;] tkudkj vkdyu vf/kdkjh us o"kZ ds nkSjku] VªLVfu/kkZfjr VªLV }kjk lapkfyr xfrfof/k;ka O;kikj] okf.kT; ;k ds voLFkkidksa ls ewy fuf/k ds çfr va'knkuksa ds :i esa O;olk; vkfn dh ç—fr dh gSa rFkk /kkjk 2¼15½ ds la'kksf/kr 2]22]50]000/- dh vfrfjä jkf'k Hkh tksM+h gS] ftls /kkjk çko/kkuksa dk lanHkZ nsrs gq,] bl VªLV dks /kkjk 12, ds rgr çnku 2¼24½¼ii,½ ds varxZr LoSfPNd va'knku ds :i esa vk; dh rjg iathdj.k fu/kkZj.k o"kZ 2009&10 ls okil ys fy;k FkkA VªLV us bl ekuk x;k gS rFkk rnuqlkj 10]40]35]270/- dh jkf'k dh ekax dh vkns'k ds fo#) vk;dj vihyh; vf/kdj.k ¼vkbZVh,Vh½ ds le{k xbZ gSA bl vfrfjä jkf'k ds tksM+s tkus ds fo#) VªLV us vihy dh FkhA vk;dj vf/kfu;e 1961 dh /kkjk 12,, ds varxZr lhvkbZVh¼,½ ds le{k ,d vihy nk;j dh gS] ftldk fuiVku fd, x, iathdj.k dks jí fd, tkus ds fo#) VªLV }kjk yafcr gSA vkbZVh,Vh ds le{k nk;j dh xbZ vihy dk fu.kZ; VªLV ds i{k esa vkns'k fnukad 28-05-2014 ds ek/;e ls fd;k x;kA vk;dj fu/kkZj.k o"kZ 2011&12 gsrq vkdyu dk;Zokfg;ksa dks vafre :i nsrs vf/kfu;e dh /kkjk 12, ds varxZr VªLV ds iathdj.k dh vk;dj le;] tkudkj vkdyu vf/kdkjh us /kkjk 143¼3½ ds varxZr tkjh vihyh; vf/kdj.k ¼vkbZVh,Vh½ }kjk iquekZU;rk ds ckn] vk;dj vkns'k esa] o"kZ ds nkSjku] VªLV ds voLFkkidksa ls ewy fuf/k ds çfr funs'kd ¼NwV½ us eqacbZ U;k; {ks= ds mPp U;k;ky; esa uoacj 2014 va'knkuksa ds :i esa 250]00]00]000/- dh vfrfjä jkf'k Hkh tksM+h esa ,d vihy ntZ dh gS A gS] ftls /kkjk 2¼24½¼ii,½ ds varxZr LoSfPNd va'knku ds :i esa vk;

dh rjg ekuk x;k gS rFkk rnuqlkj 102]96]29]441/- dh jkf'k dh fu/kkZj.k o"kZ 2010&11 gsrq vkdyu dk;Zokfg;ksa dks vafre :i nsrs ekax dh xbZ gSA bl vfrfjä jkf'k ds tksM+s tkus ds fo#) VªLV] us le;] tkudkj vkdyu vf/kdkjh us 94]38]84]008/- vkSj lhvkbZVh¼,½ ds le{k ,d vihy nk;j dh gS] rFkk lkFk gh] bl 154]61]77]037/- dh vfrfjä jkf'k;ka tksM+ nh gSa] tks fd Øe'k% ekax ij jksd yxkus gsrq vkbZVhvks¼bZ½ ds le{k vkosnu çLrqr fd;k

fu/kkZj.k o"kZ 2007&08 ,oa fu/kkZj.k o"kZ 2008&09 ds nkSjku /kkjk gSA 11¼2½ ds varxZr lafpr jkf'k;ka gSa rFkk lkFk gh] mUgksaus o"kZ ds nkSjku] VªLV ds voLFkkidksa vFkkZr] ,e,l,ebZ ea=ky;] Hkkjr fu/kkZj.k o"kZ 2009&10 gsrq] MhvkbZVh ¼bZ½ us vf/kfu;e dh /kkjk 263 ljdkj ,oa Hkkjrh; y?kq m|ksx fodkl cSad ¼flMch½] ls ewy fuf/k ds varxZr ikfjr vkns'k esa ys[kkf/kdkjh dks funs'k tkjh fd, gSa fd ds çfr va'knkuksa ds :i esa 166]41]00]000/- dh vfrfjä jkf'k Hkh os fu/kkZj.k o"kZ 2007&08 rFkk 2008&09 esa vf/kfu;e dh /kkjk tksM+h gSA blds ihNs ;g rdZ gS fd pwafd VªLV dk /kkjk 12, ds 11¼2½ ds varxZr lafpr jkf'k ds lkFk] 156-10 djksM+ dh ewy fuf/k varxZr iathdj.k MhvkbZVh ¼bZ½] eqacbZ us fu/kkZj.k o"kZ 2009&10 ls dks Hkh VªLV dh dqy vk; esa 'kkfey djsaA bl vkns'k ds fo#)] okil ys fy;k Fkk] vr% VªLV vf/kfu;e dh /kkjk 11 ds varxZr vkbZVh,Vh ds le{k ,d vihy nk;j dh xbZ gS] ftldk fuiVku fdlh ykHk gsrq ik= ugha gSA yafcr gSA

mä jkf'k;ksa dks tksM+s tkus ds fo#)] VªLV us vk;dj vk;qä 8- VªLV us chekadd dh fjiksVZ çkIr dh gS ftlesa nh xbZ cdk;k

`

`

`

`

`

`

`

`

`

`

`

`

`

`

30

xkjafV;ksa dh ns;rks ds ckjs esa vuqeku fn, x, gSaA chekadd us 9- fons'kh eqæk esa O;; dk fooj.k ¼okLrfod vk/kkj ij½nk;j fd, x, nkoksa rFkk tkjh xkjafV;ksa ds chp viorhZ lehdj.k dk ç;ksx djrs gq, nkoksa ds fy, çko/kkuksa dk ewY;kadu fd;k gSA ekpZ 31] 2015 dks cdk;k xkjaVh jkf'k;ksa ij chekadd dh fjiksVZ esa crk, x, çko/kkuksa dh jkf'k 1108-03 djksM+ gSA ,sls nkoksa ds fy, çko/kku dk fooj.k fuEukuqlkj gS %

10- tgka Hkh vko';d gqvk gS ogk¡ foxr o"kZ ds vkadM+ksa dks iqu% lewfgr] iquoZxhZ—r vkSj iqu% O;ofLFkr fd;k x;k gSA

`

31

fooj.k orZeku o"kZ foxr o"kZ

1 vçSy dks vkjafHkd

jkf'k 'ks"k

?kVk,a % o"kZ ds nkSjku 7,23,60,77,959 4,24,45,07,767

Hkqxrku fd, x, nkos

tksMsa+ % o"kZ ds nkSjku 11,08,03,00,000 8,32,52,00,000

fd, x, çko/kku

31 ekpZ dh vafre 'ks"k 17,18,62,39,847 13,34,20,17,806

13,34,20,17,806 9,26,13,25,573

(` esa)

fooj.k orZeku o"kZ foxr o"kZ

lgHkkfxrk 'kqYd

;k=k vkSj vU; 1,21,720 4,80,343

lnL;rk 'kqYd — 62,490

58,041 19,466

(` esa)

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riu la/koh lnL;rk la- ¼MkW- {k=ifr f’kokth½Hkkxhnkj v/;{k

Lfkku % ubZ fnYyh ¼vejsUæ flUgk½ ¼çnhi ekGxkaodj½ fnukad % 05] vxLr 2015 mik/;{k lnL; lfpo

116714W

( 122244)

Annual Report2014-2015

Credit Guarantee Fund Trust for Micro and Small Enterprises,1002-1003, Naman Centre, 10th Floor, C-31, G Block, Bandra Kurla Complex, Bandra (East),Mumbai – 400 051.

September 3, 2015

To,The Special Secretary & Development Commissioner (MSME)Ministry of Micro, Small and Medium Enterprises,Government of IndiaOffice of the Development Commissioner (MSME)NirmanBhavan, 7th Floor, “A” WingMaulana Azad Road, New Delhi – 110108

The Chairman and Managing DirectorSmall Industries Development Bank of IndiaHead Office, SIDBI Tower, 15, Ashok MargLucknow- 226001

Dear Sir,

In term of Clause 14.2 of the Declaration of Trust executed by the Government of India and Small Industries Development Bank of India, the Settlors, I forward herewith the following documents:

(I) A copy of audited accounts of the Trust for the financial year ended March 31, 2015 together with Auditor's Report, and

(ii) A copy of the report on the working of Credit Guarantee Fund Trust for Micro and Small Enterprises for the period ended March 31, 2015.

Yours faithfully

Sd/-(Pradeep Malgaonkar)

Chief Executive Officer

Letter of Transmittal

02

Mumbai

03

Chairman's Message

The economic and social development across the globe is greatly impacted by the part played by the Micro, Small and Medium Enterprises (MSMEs). The MSMEs play a key role in development of the economy with their effective, efficient, flexible and innovative entrepreneurial spirit.

Although MSMEs hold a significant importance in the Indian economy; they continue to face challenges in relation to institutional credit, collateral requirements, equity/risk capital, venture capital, access to credit for first generation, start ups etc. It was against this background that the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) was established in July 2000 with the objective of guaranteeing collateral and/or third party guarantee free credit facilities so as to boost flow of credit to the Micro and Small Enterprises (MSE) sector in India.

Over the past 15 years, CGTMSE has been serving India's MSEs through its Credit Guarantee Scheme (CGS), by providing guarantee cover to collateral and/or third party guarantee free credit facilities sanctioned by its Member Lending Institutions (MLIs) to eligible MSE's. CGTMSE has approved guarantees for loans aggregating over 90,000 Crore covering more than 18 lakh accounts as on March 31, 2015. The growth in approval of guarantees is expected to continue in future. However, the growth is not sans challenges. In the process of its 15 years journey, CGTMSE has leveraged its total Corpus to create an impact in terms of the cumulative guarantees approved by it till March 31, 2015. The comfort of credit guarantee has motivated the MLIs to support entrepreneurs from underserved geographies and to underprivileged social segments. The high leverage, coupled with significant rise in actual lodgement of claims in last three years, has stretched resources of CGTMSE needing urgent augmentation of its Corpus.

Few remedial measures have been initiated to address the issue of its stressed resource position such as persuasion with the Ministry of MSME, Govt. of India for immediate increase in the Corpus to deleverage the position, increasing the risk sharing by MLIs to 50% for the credit facilities exceeding 50 lakh and proposal for differential pricing based on the level of Non-Performing Assets/pay-out ratios recorded by the MLIs of the Trust with CGTMSE etc.

Besides, CGTMSE is also in the process of examining the best practices followed by different Credit Guarantee Organisations in Asia to overcome the challenges faced by it. In this direction, CGTMSE had organised 25th Asian Credit Supplementation Institutions Confederation (ACSIC) Training programme in September, 2015 for officials of 17 Credit Guarantee organizations from 11 countries from Asia. The Training Programme has helped CGTMSE immensely to understand the innovations introduced and learnings by other Asian peers. I am confident that, with appropriate risk mitigation measures, we can build a robust credit guarantee mechanism for CGTMSE in near future.

I take this opportunity to thank the Government of India, Reserve Bank of India, Small Industries Development Bank of India, MSE Industry Associations, Indian Banks Association, Indian Banking System and all MLIs, Entrepreneurs and other national and international partner agencies for their continued support and co-operation. CGTMSE is poised to achieve even greater heights with supports of all the stakeholders. I would like to compliment Team CGTMSE for their hard work and dedication.

With regards,Sd/-

Mumbai (Dr. Kshatrapati Shivaji)

CGTMSE has approved guarantees for loans aggregating over ` 90,000 Crore covering more

than 18 lakh accounts as on March 31, 2015. The growth in approval of guarantees is expected

to continue in future. However, the growth is not sans challenges.

Dr. Kshatrapati Shivaji, IAS, Chairman (Ex-offico),Chairman & Managing Director,Small Industries Development Bank of India,Head Office: “SIDBI Tower”, 15, Ashok Marg, Lucknow 226001.

Shri Amarendra Sinha, I.A.S. Vice Chairman (Ex-officio),Special Secretary & Development Commissioner (MSME),Ministry of Micro, Small and Medium Enterprises,Government of India,"A" Wing, 7th Floor, Nirman Bhavan, Maulana Azad Road, New Delhi 110108.

Shri Pradeep Malgaonkar, Member SecretaryChief Executive Officer,Credit Guarantee Fund Trust for Micro,and Small Enterprises (CGTMSE),1002-1003, Naman Centre, 10th Floor, C-31, G-Block, Bandra Kurla Complex, Bandra (East), Mumbai-400051.

Board of Trustees of CGTMSE (status as on August 05, 2015)

04

Report of CGTMSE

INTRODUCTION

1. Corpus Fund of CGTMSE

1.1 The Corpus fund of the Trust is contributed by the Government of India (GoI) and Small Industries Development Bank of India (SIDBI) in the ratio of 4:1. The committed Corpus of the Trust is 2,500 Crore to be contributed by GoI (` 2,000 Crore) and SIDBI (` 500 Crore). During FY 2015, the Trust received ` 93.74 Crore towards Corpus of which

1.2 The balance contribution of 110.96 Crore is due GoI contributed ` 74.99 Crore while SIDBI from GoI and SIDBI. With the sharp increase in the provided ` 18.75 Crore to the Corpus taking the guarantee approvals, it is felt that the Corpus aggregate amount of individual contributions to would have to be suitably augmented urgently. ` 1911.23 Crore and ` 477.81 Crore respectively. Necessary action in this regard has already been As at March 31, 2015, the total Corpus of the Trust initiated.was ` 2389.04 Crore which formed 95.56% of

the committed Corpus. The details of year-wise 2. Member Lending Institutions (MLIs)Corpus contribution is given in the following

table:A total of 133 Member Lending Institutions were registered with the Trust as at the end of March 31, 2015. One new MLI viz Bharatiya Mahila Bank Ltd. was registered with the Trust during FY 2015 taking the overall number of eligible lending institutions to 133 as at March 31, 2015 (Annexure-I). Currently, 27 Public Sector Banks, 20 Private Sector Banks, 4 Foreign Banks and 9 other Financial Institutions are eligible for guarantee cover from the Trust. The re-registration of the merged/amalgamated Regional Rural Banks (RRBs) as MLIs is under

Report on the working of the Credit Guarantee Fund Trust for Micro and Small Enterprises for year ended March 31, 2015

27

20

473

9

Public Sector Banks Private Sector Banks Foreign Banks

Regional Rural Banks Other Financial Institutions

COMPOSITION OF MLIs

0

50

100

150

200

250

GOI SIDBI

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2011 2011 2014 2015

25.00 25.0035.40

51.84 49.07 50.00

33.00

47.50

34.00 30.50

50.00

1.23

7.7718.75 18.75

100.00100.00

141.62

192.00

211.63200.00

124.00

198.00

122.10135.91

200.00

1.00

35.00

74.99 74.99

FINANCIAL YEAR

CGTMSE CORPUS FUND

CG

TMSE

CO

RP

US

Cro

re`

CORPUS CONTRIBUTION ( Crore)`

YEAR GoI SIDBI Total

FY 2001 100.00 25.00 125.00

FY 2002 100.00 25.00 125.00

FY 2003 141.62 35.40 177.02

FY 2004 192.00 51.84 243.84

FY 2005 211.63 49.07 260.70

FY 2006 200.00 50.00 250.00

FY 2007 124.00 33.00 157.00

FY 2008 198.00 47.50 245.50

FY 2009 122.10 34.00 156.10

FY 2010 135.91 30.50 166.41

FY 2011 200.00 50.00 250.00

FY 2012 1.00 1.23 2.23

FY 2013 35.00 7.77 42.77

FY 2014 74.99 18.75 93.74

FY 2015 74.99 18.75 93.74

Total 1911.23 477.81 2389.04

05

process. Till then, the original position of 73 RRBs 3.2 The operations under CGS continued to grow has been shown in Annexure I. from only 9 active MLIs in FY 2000-01 to 119

active MLIs as on March 31, 2015. During FY 2014-3. Operations under CGS 2015, a total of 4,03,422 guarantees have been

approved for an amount of ` 21,274.82 Crore. 3.1 As at end of March 31, 2015, there were 119 MLIs Cumulatively, as at March 31, 2015, a total of

which were availing guarantee cover. Table below 18,17,245 accounts have been accorded gives the details of year-wise guarantee guarantee approvals for 90,445.90 crore.approvals from inception till March 31, 2015:

No. of Year Active Credit Guarantees Size

MLIs Facilities Approved Guarantees ( Lakh)Approved ( Crore) Approved ( Crore)

FY 2000-01 9 951 6.06 6.06 0.63

FY 2001-02 16 2,296 29.52 35.58 1.28

FY 2002-03 22 4,955 58.67 94.25 1.18

FY 2003-04 29 6,603 117.60 211.85 1.78

FY 2004-05 32 8,451 267.46 538.62 3.16

FY 2005-06 36 16,284 461.91 1,000.53 2.83

FY 2006-07 40 27,457 704.53 1,705.06 2.56

FY 2007-08 47 30,285 1,055.84 2,701.59 3.48

FY 2008-09 57 53,708 2,199.40 4,824.34 4.09

FY 2009-10 85 1,51,387 6,875.11 11,559.61 4.54

FY 2010-11 106 2,54,000 12,589.22 23,846.01 4.95

FY 2011-12 109 2,43,981 13,783.98 37,139.31 5.65

FY 2012-13 117 2,88,537 16,062.48 52,600.07 5.57

FY 2013-14 117 3,48,475 18,188.12 70,026.28 5.22

FY 2014-15 119 4,03,422 21,274.82 90,445.90 5.27

Cumulative as 18,17,245 90,445.90on 31.03.2015

No. of Amount of Cumulative Average Amount of

`

` `

N.B.: Actual may vary due to intervening cancellations / modifications.

AMOUNT OF APPROVALS (CUMULATIVE)

FINANCIAL YEAR

Am

ou

nt

of

Ap

pro

vals

-

Cro

re (

Cu

mu

lati

ve)

`

6.06 35.58 94.25 211.85 538.62 1000.53 1705.06 2701.594824.34

11559.61

23846.01

37139.31

52600.07

70026.28

90445.9

0

10000

20000

30000

40000

50000

60000

70000

80000

90000

100000

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-05

NO. OF CREDIT FACILITIES APPROVED (CUMULATIVE)

FINANCIAL YEAR

No

. of

Ap

pro

vals

(C

um

ula

tive

)

951 3247 8202 14805 23256 39540 6699797282

150990

302377

556377

800358

1088895

1437370

1817245

0

200000

400000

600000

800000

1000000

1200000

1400000

1600000

1800000

2000000

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15

06

MLI-wise Coverage 2015 are given in Annexure-III. Among the states, the maximum number of applications for which

3.3 MLI-wise guarantee coverage for FY 2015 and guarantee approved was for Maharashtra

cumulative guarantee cover as on March 31, 2015 (44,835 proposals for 2,668.70 Crore) during FY

are given in Annexure-II. During the year, the top 2014-15, followed by Tamil Nadu (42,557

five MLIs in terms of number of proposals proposals for ` 1.720.44 Crore), Kerala (41,624

covered under Credit Guarantee Scheme were proposals for ` 1,124.74 Crore), Karnataka

Canara Bank (1,02,037 proposals for ` 3,477.97 (39,561 proposals for 2,248.17 Crore) and Uttar

Crore), Bank of India (49,146 proposals for Pradesh (36,418 proposals for 2,050.09 Crore)

` 3,423.21 Crore), State Bank of India (44,548 proposals for ` 2672.36 Crore), Union Bank of India (27,737 proposals for ` 796.95 Crore) and Punjab National Bank (25,291 proposals for ` 1,328.44 Crore).

3.6 The cumulative state-wise coverage under Credit Guarantee Scheme as at March 31, 2015 indicates that Uttar Pradesh has the highest share of proposals approved at 2,07,929 proposals for` 9,195.86 Crore, followed by Tamil Nadu (1,72,904 proposals for ` 7,240.27 crore), Kerala

3.4 Cumulatively, as on March 31, 2015, State Bank (1,69,793 proposals for ` 4,313.12 crore), of India has the highest coverage of 3,27,608 Karnataka (1,53,961 proposals for ` 7,921.67 proposals for ` 15,792.99 Crore, followed by crore) and West Bengal (1,23,186 proposals forCanara Bank (2,28,128 proposals for ` 7,382.76 ` 5,735.13 crore).Crore), Bank of India (1,99,702 proposals for` 12,936.11 Crore), Punjab National Bank Industry-wise Coverage(1,38,903 proposals for ` 6,817.56 Crore) and

3.7 Sector wise analysis of the cases guaranteed Indian Overseas Bank (1,05,022 proposals for

during FY 2014-15 and cumulative as on March ` 4,943.94 Crore).

31, 2015 under CGS is given at Annexure-IV.

State-wise CoverageSlab-wise Coverage

3.5 State-wise guarantee coverage for FY 2014-15 3.8 The data on slab-wise coverage during FY 2015

and cumulative guarantee cover as on March 31,

State Wise Approvals (Amount ` Crore)

2668.70

1720.44

1124.24

2248.17

2050.09

State Wise Approvals (Numbers)

44835

4255741624

39561

36418

Maharashtra Tamil Nadu Kerala

Karnataka Uttar Pradesh

Maharashtra Tamil Nadu Kerala

Karnataka Uttar Pradesh

MLI wise Approvals (Amount Crore)`

MLI wise Approvals (Numbers)

3,477.97

3423.21

2672.36

796.95

1328.44

1,02,037

49,146

44,548

27,737

25,291

Canara Bank

Bank of India

State Bank of India

Union Bank of India

Punjab National Bank

Canara Bank

Bank of India

State Bank of India

Union Bank of India

Punjab National Bank

07

and cumulative as at March 31, 2015 under CGS is 4 Advance funds from Office of Development Commissioner (Handicrafts), [DC(HC)], Ministry given in Annexure-V. The majority of proposals of Textiles, Government of Indiaapproved during FY 2015 were in respect of

smaller loans. 3,09,160 proposals for ` 5,473.43 DC (Handicrafts) had placed advance funds of` 2.80 Crore with CGTMSE for meeting the Crore were in respect of loans up to ` 5 lakh guarantee fee and annual service fee for loans accounting for 76.63% of the total guarantees extended by MLIs to artisans in the handicraft approved in FY 2015 by way of numbers. Of the sector. DC(HC) had also committed for placing

4,03,422 proposals for ` 21274.82 Crore ` 3.00 Crore every year for the next three years

approved in FY 2015; 1,17,255 proposals for the same purpose. The funds placed by DC (29.07%) pertained to category having credit (Handicrafts) had almost been utilized by the component up to ` 1 lakh, 1,04,721 proposals Trust.

(25.96%) having credit component in the range of 5 Advance funds from Office of Development ` 1,00,001 to 2 lakh, 87,184 proposals (21.61%)

Commissioner (Handlooms), [DC(HL)], Ministry in the range of ` 2,00,001 to ` 5 lakh, 49,413 of Textiles, Government of India

proposals (12.25%) in the range of ` 5,00,001 to

DC(Handlooms) had placed advance funds of` 10 lakh, 30,892 proposals (7.66%) in the range ` 82.50 lakh during the FY 2011-12 for meeting of ` 10,00,001 to ` 25 lakh, 10,290 proposals the guarantee fee and annual service fee for loans (2.55%) in the range of ` 25,00,001 to ` 50 lakh extended by MLIs to the artisans in handloom

and 3,667 proposals (0.91%) in the above ` 50 sector. The above amount of ` 82.50 lakh

lakh to 100 lakh category. excludes an amount of 26.25 lakh received from DC(HL), Ministry of Textiles, Government of India

Average size of loans covered on December 23, 2011 for enabling guarantee cover for handloom weavers of mega clusters of 3.9 If the year-wise growth in average size of loans Varanasi and Murshidabad. As on March 31, covered under the scheme since inception is 2015, CGTMSE had utilized 65.53 lakh out of the

seen, it would indicate a growth trend excepting a ` 82.50 lakh advance funds placed by DC (HL).

marginal fall in the average loan size from FY 13

onwards. Starting with an average size of ` 0.63 6. Business Development Initiativeslakh in FY 01, it went upto ` 5.57 lakh in FY 13

6.1. CGTMSE has adopted multi-channel approachwhich has come down to an average size of 5.27

for creating awareness of the CGS amongstlakh for FY 15, with the overall average size being banks, MSE Industry Associations, MSE sector, ` 4.98 lakh. etc. through print and press media, conducting

workshops / seminars , attending the Claims Settlement & Closure programmes organized at various district / state /

national fora, etc. During the year, CGTMSE 3.10 During FY 2014-15, 27,407 applications for an participated in various seminars / workshops

amount ` 1,405.67 Crore have been received for organized by MLIs and Industry Associations,

invocation of guarantee and settlement of claims exhibitions and meetings organized by RBI /

against the defaulting borrowers against which Govt. in connection with MSE sector, across the guarantees have been issued by CGTMSE and the country to create awareness about CGS. CGTMSE guarantees are in force. Out of the applications officials also held business development

meetings with its Member Lending Institutions. lodged, claims in respect of 26,183 units have Information dissemination campaigns were already been settled mainly for the first vigorously carried out amongst various installment aggregating ` 723.61 Crore. stakeholders. Besides, CGTMSE appointed retired

Cumulatively as on March 31, 2015, claims in bank officers as its representatives one each in

respect of 1,737 units have been rejected for Nothern, Eastern, Southern & Western region for ` 94.61 Crore and claims in respect of 423 units further creating the awareness about the have been withdrawn by MLIs for 17.71 Crore. Scheme.

08

Particulars Amount (` in Crore)

Opening balance as on 1334.20April 01, 2014

Less: Claim paid during 723.61 the year

Add: Provision made during 1108.03the year

Closing Balance as 1718.62on March 31, 2015

As at March 31, 2015, the cumulative provision isestimated at ` 1718.62 Crore.

6.2. During FY 2015, CGTMSE participated in 6 Guarantee Fee (` 251.10 Crore), Annual Service Seminars/ Workshops/ Bankers' meet/ Business Fee (` 213.74 Crore), Interest earned on Development Meetings and also made investments (` 439.53 Crore) and Recoveries presentations to sensitize bank officials/ small from MLIs (` 31.49 Crore). Trust incurred an enterprises on the various aspects of the Credit amount of ` 6.85 Crore towards various G u a ra n t e e S c h e m e . T h e w o r k s h o p s / operational and administrative expenditure. The programmes were generally arranged by the excess of expenditure over income was ` 179.07 member banks / SIDBI / CGTMSE / Industry Crore (before payment of taxes). Yearly Associations etc. provisioning is being made on the basis of

actuarial valuation of liability of the Trust since FY 7. Overall impact of CGS operations 2009. The provision for claims has been evaluated

by an Actuary by evolving regression equation CGTMSE's operations had a positive impact on between claims received and guarantees issued. the economy in terms of turnover, exports and Earlier, the provisioning was based on policy employment of credit guaranteed MSEs as given approved by the Board of Trustees (BoT) of in the Table:

CGTMSE. The details of the provision for FY 2014-8 Auditors15 are given below:

8.1 M/s. M. P. Chitale and Company, Mumbai, a firm

of Chartered Accountants, were appointed as

internal auditors of CGTMSE, for the FY 2014-15.

The Auditors undertook a comprehensive review

of the entire computer systems as also financial

audit covering revenue expenses, investment and

revenue income.

8.2 As recommended by the Comptroller and Auditor

General of India, the Board appointed M/s. K.S.

Sanghvi & Co., Mumbai, a firm of Chartered

Accountants, as Statutory Auditors of CGTMSE

for the FY 2014-15.

9. Accounts

9.2. During the year, the Trust received Corpus 9.1. The Trust earned income of ` 935.97 Crore, contribution from its settlers to the extent ofcomprising mainly Guarantee Fee and Annual

As on As on

Cumulative Guarantees approved 18,17,245 14,19,807

Loan Amount (extended by MLIs) ( crore) 90,445.90 70,026.28

Estimated turnover of guaranteed units ( crore) 6,68,642.64 5,34,694.46

Estimated exports by guaranteed units ( crore) 6,768.91 6,199.47

Estimated employment generation ( lakh) 75.97 62.33

Number of MLIs 133 132

31.03.2015 31.03.2014

`

`

`

`

N.B.: Actuals may vary due to intervening cancellations / modifications.

09

` 93.74 Crore. This, together with the Corpus (MSME), Ministry of Micro, Small and Medium contributions already received, and the net Enterprises (MSME), Government of India as ex-income earned by the Trust so far, had been officio Vice-Chairman, Chairman, Indian Banks' invested in FDs of banks / institutions. The size Association (IBA) as ex-officio member and of the Corpus of the fund as on March 31, 2015 Chief Executive Officer of CGTMSE as Member stood at ` 2389.04 Crore. The total fund as at Secretary. During FY 2014-15, five meetings of March 31, 2015 stood at 4529.08 Crore (net of the Board of Trustees were held. As on March accrued interest) as against ` 4222.68 Crore as 31, 2015, six officers including the CEO were on at the end of the previous year. During the year deputation with CGTMSE from SIDBI.ended March 31, 2015, the cumulative guarantees issued amounted to ` 81,772.07 10.2 The Board of Trustees of CGTMSE appreciates Crore. the support and cooperation received from

Ministry of MSME, Government of India, Office 10. Management & Organisation of DC (MSME), SIDBI, RBI, IBA, MLIs of CGTMSE,

World Bank, various National and State-level 10.1. The Board of Trustees during FY 2014-15 institutions and MSE Industry Associations.

comprised of Chairman & Managing Director of SIDBI as ex-officio Chairman, Additional Secretary & Development Commissioner

Credit Guarantee Fund Trust for Micro and Small Enterprises For and on behalf of the Board of Trustees

Sd/-Place: New Delhi (Dr. Kshatrapati Shivaji)Date: August 05, 2015 Chairman

10

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Member Lending Institutions (MLIs) of CGTMSE as on March 31, 2015

Total No. of MLIs - 133

(A) SCHEDULED COMMERCIAL BANKS

(i) PUBLIC SECTOR BANKS (21 nos.) (iii) PRIVATE SECTOR BANKS (20 nos.)

1 Allahabad Bank 1 Axis Bank Ltd.

2 Andhra Bank 2 City Union Bank

3 Bank of Baroda 3 Development Credit Bank Ltd.

4 Bank of India 4 HDFC Bank Ltd.

5 Bank of Maharashtra 5 ICICI Bank Ltd.

6 Canara Bank 6 IndusInd Bank Ltd.

7 Central Bank of India 7 ING Vysya Bank Ltd.

8 Corporation Bank 8 Karnataka Bank Ltd.

9 Dena Bank 9 Kotak Mahindra Bank Ltd.

10 IDBI Bank Limited 10 Lakshmi Vilas Bank Ltd.

11 Indian Bank 11 Tamilnad Mercantile Bank Ltd.

12 Indian Overseas Bank 12 The Dhanalakshmi Bank Ltd.

13 Oriental Bank of Commerce 13 The Federal Bank Ltd.

14 Punjab & Sind Bank 14 The Jammu & Kashmir Bank Ltd.

15 Punjab National Bank 15 The Karur Vysya Bank Ltd

16 Syndicate Bank 16 The Nainital Bank Ltd.

17 UCO Bank 17 The Ratnakar Bank Ltd.

18 Union Bank of India 18 The South Indian Bank Ltd.

19 United Bank of India 19 YES Bank Limited

20 Vijaya Bank 20 Catholic Syrian Bank Ltd. 21 Bharatiya Mahila Bank Ltd.(iv) FOREIGN BANKS (4 nos.)

(ii) SBI AND ITS ASSOCIATE BANKS (6 nos.) 1 Barclays Bank PLC

1 State Bank of India 2 Bank of Bahrain and Kuwait

2 State Bank of Bikaner & Jaipur 3 Deutsche Bank

3 State Bank of Hyderabad 4 Standard Chartered Bank

4 State Bank of Mysore

5 State Bank of Patiala

6 State Bank of Travancore

.

A N N E X U R E - I

11

1 Allahabad UP Gramin Bank 35 Malwa Gramin Bank

2 Andhra Pradesh Grameena Vikas Bank 36 MGB Gramin Bank

3 Andhra Pragathi Grameena Bank 37 Mizoram Rural Bank

4 Aryavart Gramin Bank 38 Nainital – Almora Kshetriya Gramin Bank

5 Assam Gramin Vikash Bank 39 Narmada Malwa Gramin Bank

6 Baitarani Gramya Bank 40 Neelachal Gramya Bank

7 Ballia Etawah Gramin Bank 41 North Malabar Gramin Bank

8 Bangiya Gramin Vikash Bank 42 Pallavan Gramin Bank

9 Baroda Gujarat Gramin Bank 43 Pandyan Grama Bank

10 Baroda Rajasthan Gramin Bank 44 Parvatiya Gramin Bank

11 Baroda Uttar Pradesh Gramin Bank 45 Pragathi Gramin Bank

12 Bihar Kshetriya Gramin Bank 46 Prathama Bank

13 Cauvery Kalpatharu Grameena Bank 47 Punjab Gramin Bank

14 Chaitanya Godavari Grameena Bank 48 Purvanchal Gramin Bank

15 Chattisgarh Gramin Bank 49 Rajasthan Gramin Bank

16 Chikmagalur-Kodagu Gramin Bank 50 Rewa Siddhi Gramin Bank

17 Deccan Gramin Bank 51 Rushikulya Gramya Bank

18 Dena Gujarat Gramin Bank 52 Samastipur Kshetriya Gramin Bank

19 Durg Rajnandgaon Gramin Bank 53 Saptagiri Grameena Bank

20 Gurgaon Gramin Bank 54 Sarva UP Gramin Bank

21 Hadoti Kshetriya Gramin Bank 55 Satpura Narmada Kshetriya Gramin Bank

22 Haryana Gramin Bank 56 Saurashtra Gramin Bank

23 Himachal Gramin Bank 57 Sharda Gramin Bank

24 Jaipur Thar Gramin Bank 58 Shreyas Gramin Bank

25 Jharkhand Gramin Bank 59 South Malabar Gramin Bank

26 Jammu & Kashmir Gramin Bank 60 Surguja Kshetriya Gramin Bank

27 Karnataka Vikas Grameena Bank 61 Sutlej Gramin Bank (SGB)

28 Kashi Gomti Samyut Gramin Bank 62 Tripura Gramin Bank

29 Krishna Grameena Bank 63 Triveni Kshetriya Gramin Bank

30 Langpi Dehangi Rural Bank 64 Uttar Bihar Gramin Bank

31 Madhya Bharat Gramin Bank 65 Uttaranchal Gramin Bank

32 Madhya Bihar Gramin Bank 66 Uttarbanga Kshetriya Gramin Bank

33 Maharashtra Godavari Gramin Bank 67 Vananchal Gramin Bank

34 Maharashtra Gramin Bank 68 Vidharbha Kshetriya Gramin Bank

1 Allahabad UP Gramin Bank 38 Mizoram Rural Bank

2 Andhra Pradesh Grameena Vikas Bank 39 Nainital – Almora Kshetriya Gramin Bank

3 Andhra Pragathi Grameena Bank 40 Narmada Malwa Gramin Bank

4 Aryavart Gramin Bank 41 Neelachal Gramya Bank

5 Assam Gramin Vikash Bank 42 North Malabar Gramin Bank

6 Baitarani Gramya Bank 43 Pallavan Gramin Bank

7 Ballia Etawah Gramin Bank 44 Pandyan Grama Bank

8 Bangiya Gramin Vikash Bank 45 Parvatiya Gramin Bank

9 Baroda Gujarat Gramin Bank 46 Pragathi Gramin Bank

10 Baroda Rajasthan Gramin Bank 47 Prathama Bank

11 Baroda Uttar Pradesh Gramin Bank 48 Puduvai Bharathiar Grama Bank

12 Bihar Kshetriya Gramin Bank 49 Punjab Gramin Bank

13 Cauvery Kalpatharu Grameena Bank 50 Purvanchal Gramin Bank

14 Chaitanya Godavari Grameena Bank 51 Rajasthan Gramin Bank

15 Chattisgarh Gramin Bank 52 Rewa Siddhi Gramin Bank

16 Chikmagalur-Kodagu Gramin Bank 53 Rushikulya Gramya Bank

17 Deccan Gramin Bank 54 Samastipur Kshetriya Gramin Bank

18 Dena Gujarat Gramin Bank 55 Saptagiri Grameena Bank

19 Durg Rajnandgaon Gramin Bank 56 Sarva UP Gramin Bank

20 Gurgaon Gramin Bank 57 Satpura Narmada Kshetriya Gramin Bank

21 Hadoti Kshetriya Gramin Bank 58 Saurashtra Gramin Bank

22 Haryana Gramin Bank 59 Sharda Gramin Bank

23 Himachal Gramin Bank 60 Shreyas Gramin Bank

24 Jaipur Thar Gramin Bank 61 South Malabar Gramin Bank

25 Jharkhand Gramin Bank 62 Surguja Kshetriya Gramin Bank

26 Jammu & Kashmir Gramin Bank 63 Sutlej Gramin Bank

27 Karnataka Vikas Grameena Bank 64 Tripura Gramin Bank

28 Kashi Gomti Samyut Gramin Bank 65 Triveni Kshetriya Gramin Bank

29 Krishna Grameena Bank 66 Uttar Bihar Gramin Bank

30 Langpi Dehangi Rural Bank 67 Uttaranchal Gramin Bank

31 Madhya Bharat Gramin Bank 68 Uttarbanga Kshetriya Gramin Bank

32 Madhya Bihar Gramin Bank 69 Vananchal Gramin Bank

33 Maharashtra Godavari Gramin Bank 70 Vidharbha Kshetriya Gramin Bank

34 Maharashtra Gramin Bank 71 Vidisha Bhopal Kshetriya Gramin Bank

35 Malwa Gramin Bank 72 Visveshvaraya Grameena Bank

36 Meghalaya Rural Bank 73 Wainganga Krishna Gramin Bank

37 MGB Gramin Bank

(B) REGIONAL RURAL BANKS (73 nos.)

12

1 Andhra Pradesh State Financial Corporation 6 North Eastern Development Finance Corporation Ltd.

2 Delhi Financial Corporation7 Small Industries Development Bank of India

3 Jammu & Kashmir Development Finance Corporation Ltd 8 The Tamil Nadu Industrial Investment

Corporation Ltd.4 Kerala Financial Corporation

9 Export Import Bank of India5 National Small Industries Corporation Ltd.

(C) LENDING INSTITUTIONS (9 nos.)

NOTE:

1. In the light of amalgamation of number of Regional Rural Banks during FY 2012-13 and FY 2013-14 at the instance of Ministry of Finance, Govt. of India. all the RRBs, whether subjected to amalgamation or otherwise will be required to register/re-register with CGTMSE as its MLI. Based on the decision and approval from Ministry of MSME, Government of India and SIDBI (the Settlors of CGTMSE) the necessary circular has also been issued on January 02, 2014, to the MLIs of CGTMSE.

13

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)MLI-wise Guarantees approved during FY 2015 & Cumulative as on 31 March, 2015

Financial Year 2015 Cumulative

S MLI Proposals Approved Proposals Approved No. Amount Amount

(in Lakh) (in Lakh)`

1 Allahabad Bank 11056 49590.92 60995 251426.46

2 Allahabad Up Gramin Bank 5 7.07 2759 5839.51

3 Andhra Bank 3244 16346.77 13212 54358.53

4 Andhra Pradesh Grameena Vikas Bank 584 283.81 2780 1701.85

5 Andhra Pradesh State Financial Corporation 6 171.45 52 1759.72

6 Andhra Pragathi Grameena Bank 2 0.60 3175 2082.39

7 Aryavart Gramin Bank 0 0.00 2170 8850.37

8 Assam Gramin Vikash Bank 7 11.81 8483 20324.90

9 Axis Bank Limited 158 7535.20 1463 53030.64

10 Baitarani Gramya Bank 0 0.00 2097 7200.06

11 Ballia Etawah Gramin Bank 0 0.00 430 117.31

12 Bangiya Gramin Vikash Bank 2 3.40 2717 8655.24

13 Bank of Baroda 7862 63604.08 54106 446210.84

14 Bank of India 49146 342320.78 199702 1293610.82

15 Bank of Maharashtra 5638 77351.07 17057 180495.33

16 Baroda Gujarat Gramin Bank 0 0.00 132 866.10

17 Baroda Rajasthan Gramin Bank 0 0.00 45 373.55

18 Baroda Uttar Pradesh Gramin Bank 0 0.00 3344 9180.51

19 Bharatiya Mahila Bank 243 1544.83 243 1544.83

20 Bihar Kshetriya Gramin Bank 0 0.00 845 2906.28

21 Canara Bank 102037 347797.06 228128 738276.17

22 Cauvery Kalpataru Grameena Bank 8 17.00 40 240.08

23 Central Bank of India 11234 56013.07 59898 365746.74

24 Chaitanya Godavari Grammena Bank 0 0.00 66 60.98

25 Chattisgarh Gramin Bank 1 5.00 1974 940.27

26 Chikmagalur-Kodagu Grameena Bank 0 0.00 35 70.24

27 City Union Bank 462 3490.62 1213 11613.29

28 Corporation Bank 8637 60590.87 30334 214658.88

29 Deccan Grameena Bank 0 0.00 68 245.57

30 Delhi Financial Corporation 1 2.70 634 1455.03

31 Dena Bank 2812 17588.14 16074 88204.59

32 Dena Gujarat Gramin Bank 40 105.28 172 448.28

A N N E X U R E - I I

14



(in Lakh) (in Lakh)

33 Deutsche Bank 1504 46820.35 3805 117477.50

34 Durg Rajnandgaon Gramin Bank 1 2.00 1471 2203.55

35 Export Import Bank of India 8 275.00 12 428.00

36 Gurgaon Gramin Bank 0 0.00 123 226.04

37 Hadoti Kshetriya Gramin Bank 0 0.00 44 180.60

38 Haryana Gramin Bank 0 0.00 120 243.24

39 HDFC Bank Limited 1196 33640.00 2798 77144.74

40 Himachal Gramin Bank 2 28.08 631 6172.52

41 ICICI Bank 57 1224.36 853 4227.36

42 IDBI Bank Ltd 449 5264.51 2826 55264.05

43 Indian Bank 3271 13839.31 18487 57506.12

44 Indian Overseas Bank 17549 91022.40 105022 494392.73

45 Indusind Bank 0 0.00 4 60.88

46 ING Vysya Bank Ltd 8 412.75 104 2939.78

47 J & K Grameen Bank 0 0.00 15 87.11

48 Jaipur Thar Gramin Bank 0 0.00 1116 292.67

49 Jharkhand Gramin Bank 0 0.00 404 1857.09

50 Karnataka Bank Ltd. 3771 21597.06 16862 83734.10

51 Karnataka Vikas Grameena Bank 20 47.79 13096 26396.76

52 Kashi Gomti Samyut Gramin Bank 0 0.00 2809 6108.13

53 Kerala Financial Corporation 110 878.16 266 2508.06

54 Kotak Mahindra Bank 46 1234.05 116 4047.27

55 Krishna Grameena Bank 0 0.00 17 25.77

56 Lakshmi Vilas Bank 46 434.77 64 665.42

57 Langpi Dehangi Rural Bank 3 15.85 538 1212.19

58 Madhya Bharat Gramin Bank 0 0.00 49 73.77

59 Madhya Bihar Gramin Bank 39 43.25 855 3176.56

60 MGB Gramin Bank 0 0.00 93 158.02

61 Mizoram Rural Bank 0 0.00 423 1452.93

62 Nainital-Almora Kshetriya Gramin Bank 0 0.00 11 66.26

63 Narmada Malwa Gramin Bank 0 0.00 91 240.40

64 National Small Industries Corporation Ltd. 0 0.00 176 1458.57

65 Neelachal Gramya Bank 0 0.00 5633 18921.19

66 North Eastern Development Finance 0 0.00 14 240.50Corporation Ltd.

15



(in Lakh) (in Lakh)

67 North Malabar Gramina Bank 113 206.29 758 1210.51

68 Oriental Bank of Commerce 3586 30968.45 19020 185753.37

69 Pallavan Grama Bank 0 0.00 202 55.84

70 Parvatiya Gramin Bank 0 0.00 332 1814.16

71 Pandyan Grama Bank 2 2.50 1755 2176.22

72 Pragathi Gramin Bank 4 1.90 243 182.54

73 Prathama Bank 6 23.40 3609 10474.68

74 Punjab & Sind Bank 1336 7900.79 5709 29082.16

75 Punjab National Bank 25291 132843.67 138903 681756.01

76 Purvanchal Gramin Bank 0 0.00 14966 23702.35

77 Rajasthan Gramin Bank 0 0.00 136 517.01

78 Rushikulya Gramya Bank 0 0.00 9 41.86

79 Samastipur Kshetriya Gramin Bank 0 0.00 309 964.07

80 Sarva Haryana Gramin Bank 53 118.51 924 99.00

81 Satpura Narmada Kshetriya Gramin Bank 6 9.46 433 833.48

82 Sarva UP Gramin Bank 0 0.00 2785 3004.90

83 Saurashtra Gramin Bank 0 0.00 183 1282.52

84 Sharda Gramin Bank 0 0.00 64 216.71

85 Shreyas Gramin Bank 0 0.00 157 286.20

86 Small Industries Development Bank of India 112 4778.72 5548 122937.75

87 South Malabar Gramin Bank 178 243.71 17232 26947.18

88 Standard Chartered Bank 192 5183.93 1186 27560.24

89 State Bank of Bikaner & Jaipur 4132 21976.64 20035 62198.26

90 State Bank of Hyderabad 2616 15868.30 11445 53261.67

91 State Bank of India 44548 267235.93 327608 1579298.59

92 State Bank of Mysore 2879 24588.05 14212 92552.06

93 State Bank of Patiala 3904 28184.56 16083 113921.35

94 State Bank of Travancore 3772 21330.08 24209 98033.06

95 Surguja Kshetriya Gramin Bank 0 0.00 44 192.62

96 Sutlej Gramin Bank 0 0.00 13 7.00

97 Syndicate Bank 18641 96700.78 57052 287074.63

98 Tamilnad Mercantile Bank Ltd 181 2172.13 925 10282.82

99 The Dhanalakshmi Bank Limited 25 461.45 64 1564.23

16



(in Lakh) (in Lakh)

100 The Federal Bank Ltd 268 937.19 5108 26636.04

101 The Jammu & Kashmir Bank Ltd 14635 19771.28 35515 44723.71

102 The Karur Vysya Bank Ltd. 24 580.38 156 2770.00

103 The Nainital Bank Ltd. 137 1205.65 403 3856.89

104 The South Indian Bank Limited 79 865.76 271 2384.41

105 The Tamilnadu Industrial Investment Corporation Limited 0 0.00 2717 5000.64

106 Tripura Gramin Bank 0 0.00 489 1149.74

107 Triveni Kshetriya Gramin Bank 0 0.00 4 45.35

108 UCO Bank 9668 47535.68 53793 235617.42

109 Union Bank of India 27737 79694.81 77061 251708.78

110 United Bank of India 3786 14350.22 44853 192983.11

111 Uttar Bihar Gramin Bank 11 32.00 482 1186.83

112 Uttaranchal Gramin Bank 1 3.50 588 2788.01

113 Uttarbanga Kshetriya Gramin Bank 1 3.00 1055 1470.95

114 Vananchal Gramin Bank 0 0.00 2642 7094.69

115 Vidharbha Kshetriya Gramin Bank 0 0.00 275 610.75

116 Vijaya Bank 4229 40394.16 11613 94538.98

117 Visveshvaraya Grameena Bank 0 0.00 55 122.36

118 Wainganga Krishna Gramin Bank 0 0.00 545 3581.13

119 Yes Bank Ltd 4 148.00 76 3350.50

TOTAL 403422 2127482.10 1817245 9044590.58

N.B.: Actuals may vary due to intervening cancellations / modifications

17

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)State Wise Report of Guarantees Approved during FY 2015 & Cumulative as on 31 March, 2015


S State/Union Territory Name Proposals Approved Proposals Approved No. Amount Amount

(in Lakh) (in Lakh)` `

1 Andaman & Nicobar 299 1921.11 1449 7278.44

2 Andhra Pradesh 16043 78711.98 85859 349676.99

3 Arunachal Pradesh 1749 7375.51 4456 21792.40

4 Assam 14405 51228.96 68339 234792.03

5 Bihar 20650 102817.18 99468 417940.09

6 Chandigarh 669 6675.28 3824 28087.74

7 Chhattisgarh 5945 33677.02 22473 139642.93

8 Dadra & Nagar Haveli 73 1778.01 338 7897.69

9 Daman & Diu 80 2075.04 297 6782.56

10 Delhi 3719 52983.47 16335 222985.37

11 Goa 2204 12906.70 12134 78769.23

12 Gujarat 12632 120963.28 73677 651714.89

13 Haryana 4748 43794.02 22440 186015.18

14 Himachal Pradesh 6481 37114.22 34753 200517.15

15 Jammu & Kashmir 17912 36084.89 48843 100882.28

16 Jharkhand 16653 114548.92 73828 451383.69

17 Karnataka 39561 224817.31 153961 792166.63

18 Kerala 41624 112473.77 169793 431312.10

19 Laksha Deep 56 200.88 213 554.91

20 Madhya Pradesh 14999 82133.91 57826 316433.75

21 Maharashtra 44835 266869.54 122941 993351.17

22 Manipur 1389 3144.30 4587 14094.19

23 Meghalaya 1000 4321.33 5943 28087.92

24 Mizoram 717 2729.05 2788 11110.20

25 Nagaland 1251 3545.79 3442 13507.92

26 Orissa 14845 78383.63 91462 383214.33

27 Pondicherry 606 2032.84 2521 10969.97

28 Punjab 7458 53398.63 35387 239516.83

29 Rajasthan 10145 79312.70 61652 328789.74

30 Sikkim 304 1366.78 1462 5771.11

31 Tamilnadu 42557 172043.76 172904 724027.09

32 Tripura 1111 4248.29 7923 28239.82

33 Uttar Pradesh 36418 205008.97 207929 919586.46

34 Uttarakhand 5011 27025.69 22812 124184.99

35 West Bengal 15273 99769.34 123186 573512.79

TOTAL 403422 2127482.10 1817245 9044590.58

A N N E X U R E - I I I


18

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)Sector-wise Guarantees Approved during FY 2015 & Cumulative as on 31 March, 2015


S Sector Name Proposals Approved Proposals Approved No. Amount Amount

(in Lakh) (in Lakh)

1 Bamboo Product 0 0.00 1 1.902 Basic Metal Industries 651 7091.82 4667 43586.563 Beverages, Tobacco etc. 241 2834.16 1445 15769.184 Chemicals etc. 520 10569.16 3839 64887.405 Cotton Manufacturing 0 0.00 1 0.756 Cotton Textiles 1653 15853.84 11973 97365.127 Electrical Machinery 930 12184.45 5473 65242.298 Engineering 0 0.00 1 2.159 Food Products 10005 63495.74 55039 340629.4810 General Engineering 0 0.00 7 20.5811 Handloom Weaving 14694 7333.30 61252 24696.9012 Information Technology 274 3465.45 2710 18553.1413 Jewellary Manufacturing 0 0.00 2 3.2014 Jute Textiles 112 842.40 1319 6094.1915 Leather And Fur Products 1146 7362.36 8267 40956.4516 Manufacturing 0 0.00 8 117.0617 Manfacturing of Drilling Equipments 0 0.00 0 0.0018 Metal Products 3848 36628.74 35705 247251.4619 Micro Febrication 0 0.00 3 7.7520 No Sector Defined 330 7660.04 105334 349657.7221 Non-electrical Machinery, Tools and Parts 642 9541.65 3618 51770.8822 Non-metallic Products 556 7278.54 5030 50244.7123 Other Manufacturing 46348 370736.34 206745 1564375.9624 Others 260383 1146228.35 997725 4325319.8025 Paper and Printing 1545 18383.24 8904 98538.0926 Plastic Industry 0 0.00 1 2.8527 Repairing Services 1 13.00 960 657.4628 Repairing Services Except Capital Goods 215 936.35 1428 7727.4929 Repairing Services For Capital Goods 133 883.80 1316 7119.3330 Rubber, Petroleum etc. 293 4615.54 1919 26471.9231 Service 0 0.00 550 1326.1132 Services(Industry Related) 44154 295831.01 211653 1102891.5133 Software 377 5923.42 2137 28382.1534 SSI and Mfg. 0 0.00 1 25.0035 SSSBE 0 0.00 1 1.9036 Textile 0 0.00 18 4.5037 Textile Industries 0 0.00 1348 337.0038 Textile Products 8340 64160.97 45152 343569.0939 Transport Equipment 570 4922.10 2545 25189.0140 Wood Furniture 4080 19560.31 20980 79072.5241 Wood Products 0 0.00 5 13.3042 Wool, Silk etc. 1381 3146.02 8163 16706.72

TOTAL 403422 2127482.10 1817245 9044590.58

A N N E X U R E - I V


19

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)Slab-wise Guarantees Approved during FY 2015 & Cumulative as on 31 March, 2015


S Range No. of Approved No. of Approved No. Proposals Amount Proposals Amount

(in Lakh) (in Lakh)`

1 Upto 100,000/- 117255 63394.79 611647 306205.84

2 100,001 to 200,000/- 104721 165660.49 433438 660992.11

3 200,001 to 500,000/- 87184 318287.62 388431 1402658.60

4 500,001 to 10,00,000/- 49413 373298.44 185957 1428703.59

5 10,00001 to 25,00000/- 30892 543438.42 140695 2420107.54

6 25,00,001 to 50,00,000/- 10290 385230.27 40004 1517994.91

7 50,00,001 to 100,00,000/- 3667 278172.07 17073 1307927.99

TOTAL 403422 2127482.10 1817245 9044590.58


A N N E X U R E - V

20

Statement of Accounts

2014-2015

Auditor's Report

To,The Board of Trustees,Credit Guarantee Fund Trust for Micro & Small Enterprises,Mumbai

1. We have audited the attached Balance Sheet of Credit Guarantee Fund Trust for Micro and Small Enterprisesas at March 31, 2015, the Income and Expenditure Account and also the Cash Flow Statement for the year then ended. The financial statements are the responsibility of the Trust's Management. Our responsibility is to express an opinion on these financial statements based on our audit.

2. We conducted our audit in accordance with the Accounting Standards generally accepted in India. Those Standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements. An audit includes examining on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and the significant estimates made by the Management, as well as evaluating the overall financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.

3. We report that:

a. We have obtained all the necessary information and explanations which, to the best of our knowledge and belief, were necessary for the purpose of our audit, except information on the receipts pending appropriation aggregating to 49,03,399.

b. In our opinion, proper books of accounts as required by law, have been kept by the Trust so far as it appears from our examination of those books.

c. The Balance Sheet, Income and Expenditure and the Cash Flow Statement dealt with by the report are in agreement with the books of accounts.

d. In our opinion, the financial statements, read together with the notes thereon, give true and fair view in conformity with the accounting principles generally accepted in India.

I. In the case of Balance Sheet, of the state of affairs of the Trust as at 31st March 2015.

II. In the case of Income and Expenditure Account, of the excess of expenditure over income of the Trust for the year ended on that date.

III. In the case of Cash Flow Statement, of the cash flows of the Trust for the year ended on that date.

FOR K. S. Sanghvi & Co.Chartered AccountantsFirm Registration Number: 116714W

Tapan SanghviPartner Place : New DelhiMembership Number: 122244 Date : August 05, 2015

22

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) Balance Sheet as on March 31, 2015

Particulars Schedules As on 31.03.2015 As on 31.03.2014

(`) (`) (`) (`)

Sources of Funds Corpus Fund 1

General Reserve 2

Current Liabilities & Provisions 3

Total

Application of Funds Fixed Assets

Computer & Software Less : Depreciation Reserve

Furniture & Fixture Less : Depreciation Reserve

Motor CarLess : Depreciation Reserve

Electrical Items 9,83,718 1,41,292 Less : Depreciation Reserve 3,50,551 6,33,167 1,38,598 2,694

25,06,966 3,667

Investments 4 48,05,53,30,745 45,57,47,36,736

Current Assets

Cash in hand 4,826 576

Bank Balance 5 48,37,746 31,302,420

Accrued Income 6 1,13,70,961 57,775,470

Receivable 7 18,36,41,463 32,25,95,818

Deposits (Rent) 70,20,000 -

Advance Payment of Gurantee Claims 4,45,961 16,07,24,315

Amount Recoverable from Tax Authorities 8 3,19,77,08,191 2,24,32,93,265

TOTAL 51,46,28,66,859 48,39,04,32,267

Notes forming parts of Accounts 10 - 0

33,24,90,11,021 34,10,23,00,950

74,61,100 76,13,445

18,20,63,94,738 14,28,05,17,872

51,46,28,66,859 48,39,04,32,267

1,74,33,941 1,69,53,273 1,73,98,631 35,310 1,69,52,301 972

11,46,386 45,500 3,20,721 8,25,665 45,499 1

12,66,029 -2,53,205 10,12,824 -

AS PER OUR REPORT OF EVEN DATE THE ABOVE BALANCE SHEET TOGETHER WITH SCHEDULES ANNEXED THERETO IS HEREBY AUTHENTICATED BY US.

For K.S. Sanghvi & Company On behalf of the Board of Trustees Chartered Accountants ICAI Firm Reg. No.116714W

Sd/-

Chairman

Place: New Delhi Date: August 05, 2015 Vice Chairman Member Secretary

(Tapan Sanghvi, M.No.122244) (Dr. Kshatrapati Shivaji) Partner

(Amarendra Sinha) (Pradeep Malgaonkar)

B A L A N C E S H E E T

23

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

Income and Expenditure Account for the Year Ended March 31, 2015

Particulars Schedules Amount in (`)

Current Year Previous Year

AS PER OUR REPORT OF EVEN DATE THE ABOVE INCOME & EXPENDITURE A/C TOGETHER WITH SCHEDULES ANNEXED THERETO IS HEREBY

AUTHENTICATED BY US.

INCOME

Interest on Investments 4,39,53,47,923 4,13,91,87,886Guarantee Fee 1,66,82,67,743 1,03,58,04,610Annual Guarantee Fee 84,27,18,079 43,50,472Annual Service Fee 2,13,74,36,840 2,55,66,81,589Miscellaneous Income 8,60,859 6,00,102Penal Interest Income 85,425 1,32,439Recoveries by MLI's on Claim paid account 31,49,69,463 15,32,99,736Interest on Income Tax Refund - -

9,35,96,86,332 7,89,00,56,834

EXPENDITURE

Operating and other Administrative Expenses 9 6,85,77,487 5,55,52,184Provision for Guarantee claims 11,08,03,00,000 8,32,52,00,000 Interest on Service Tax Paid 2,87,064 5,67,99,309Bank Charges - 4,519Depreciation 11,86,710 5,22,884

11,15,03,51,261 8,43,80,78,896

EXCESS OF INCOME OVER EXPENDITURE (1,79,06,64,929) (54,80,22,062)Add / (Less) : Prior period items - -Add / (Less) : Excess Provision w/back - 9,69,474

Surplus before tax (1,79,06,64,929) (54,70,52,588)Less: Provisions for Income tax - -

Surplus after tax (1,79,06,64,929) (54,70,52,588)

Less: General Reserve - -

Surplus of Income over Expenditure carried to Corpus Fund

Notes forming parts of Accounts 10 - -

(1,79,06,64,929) (54,70,52,588)

I N C O M E A N D E X P E N D I T U R E


Sd/-

Chairman




24

C A S H F L O W S T A T E M E N T

Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)Cash Flow Statement for the Year Ended March 31, 2015

Particulars 31 Mar 2015 31 Mar 2015 31 Mar 2014 31 Mar 2014

Cash flow from Operating ActivitiesExcess of expenditure over income,

and Expenditure Statement (1,79,06,64,929)Add: Depreciation debited to Income and Expenditure Account 11,86,710 5,22,885 Interest paid on service tax 2,87,064 5,67,99,309 Provision on guarantee claims debited to Income and Expenditure Account 11,08,03,00,000 8,32,52,00,000Less: Interest on investments 4,39,53,47,923 4,13,91,87,886

6,68,64,25,851 4,24,33,34,308

Cash flow before changes in working capital 4,89,57,60,922 3,69,62,81,720 Changes in working capital(Increase) / decline in accrued income 4,64,04,509 2,36,84,98,074 (Increase) / decline in receivable 13,89,54,355 16,58,28,057 (Increase) / decline in deposits (70,20,000) -(Increase) / decline in advance payment of guarantee claims 16,02,78,354 (16,07,24,315)(Increase) / decline in amount recoverable from tax authorities (51,48,14,555) (83,25,22,744)Increase / (decline) in current liabilities 8,16,54,825 32,37,49,090

(9,45,42,512) 1,86,48,28,162

Changes in cash flow after changes in working capital 4,80,12,18,410 5,56,11,09,882Less: Claims paid during the year (7,23,60,77,959) (4,24,45,07,767)Advance tax paid (43,96,00,371) (1,02,35,00,000)

(7,67,56,78,330) (5,26,80,07,767)

Net Cash Flow Generate From Operating Activities (A) (2,87,44,59,920) 29,31,02,115

Cash flow from Investing ActivitiesAcquisition of fixed assets during the year (36,90,009) (5,20,188)Addition to investments during the year (2,48,05,94,009) (5,28,33,70,055)

Net Cash Flow Used In Investing Activities (B) (2,48,42,84,018) (5,28,38,90,243)

Cash flow from Financing ActivitiesIncrease in corpus fund during the year 93,73,75,000 93,73,75,000 Changes in general reserve (1,52,345) (3,86,555)Interest on service tax paid (2,87,064) (5,67,99,309)Interest income on investments 4,39,53,47,923 4,13,91,87,886

Net Cash Flow Generated From Financing Activities (C) 5,33,22,83,514 5,01,93,77,021

Net Increase in Cash Flow During The Year (A) + (B) + (C) (2,64,60,424) 2,85,88,894

Opening balance of Cash and Cash Equivalents 3,13,02,996 27,14,102 Closing balance of Cash and Cash Equivalents 48,42,572 3,13,02,996

before tax as per Income (54,70,52,588)

Notes: 1 Cash and Cash Equivalents include cash and bank balance2 Figures in brackets indicate cash outflow3 The Cash and Cash Equivalents as at 31 Mar 2015 comprise the following 31 Mar 2015 31 Mar 2014 Cash 4,826 576

Bank balance 48,37,746 3,13,02,420

Total 48,42,572 3,13,02,996

4 Figures of previous year have been regrouped, wherever necessary. The above cash flow statement is prepared as per our report of even date.


Sd/-

Chairman




25

Amount in (`)

S C H E D U L E


Schedules Forming Part of the Balance Sheet as on 31st March, 2015

Particulars As on 31.03.2015 As on 31.03.2014(`) ( ) `

Schedule : 1 Corpus Fund Received from : Government of India 19,11,23,33,000 18,36,24,33,000 SIDBI 4,77,80,83,250 4,59,06,08,250 (Including the Corpus of 25,00,00,000/- & 7,77,50,000/- for RSF 1 & 2 respectively)

(a) 23,89,04,16,250 22,95,30,41,250Surplus of Income over expenditure Balance b/f 11,14,92,59,700 11,69,63,12,288Add: Surplus of Current year (1,79,06,64,929) (54,70,52,588)

(b) 9,35,85,94,771 11,14,92,59,700

(a + b) 33,24,90,11,021 34,10,23,00,950Schedule : 2 Genral Reserve Balance B/f 76,13,445 80,00,000Add:- Transfer from Income and Expenditure A/c - - Less:- Prior period Items (1,52,345) (3,86,555)

(a + b) 74,61,100 76,13,445 Schedule : 3 Current Liabilities and Provisions Provision towards Guarantee claims (also see Note no 8 in Schedule 10) 17,18,62,39,847 13,34,20,17,806Outstanding Liabilities towards expenses 58,91,884 56,52,426 Amount Reimbursable To SIDBI 26,10,322 48,93,462 Guarantee Claim Payable 6,91,90,535 2,74,33,950 TDS Payable 11,95,468 5,84,177Profession Tax Payable 300 600 Insurance Claim received from LIC 2,00,000 2,00,000Guarantee Fee Refundable 68,27,663 6,95,542Annual Services Fee Refundable 21,07,12,647 12,88,23,736Advance recd. towards GF & ASF from D C (Handicraft & Handloom), GOI 31,92,978 35,66,472Advance recd. towards AGF 71,54,25,987 76,00,86,581Service Tax Payable 3,708 61,31,172Receipts Pending Appropriation 49,03,399 4,31,948

18,20,63,94,738 14,28,05,17,872 Schedule : 4 Investments 1) Investment in Fixed Deposits with Banks

i) Investment of RSF Funds - 33,95,96,216 ii) Investment of D C (Handicraft & Handloom), GOI Advance 15,29,700 20,40,068 iii) Investment of Corpus & other Funds 48,04,44,01,045 45,23,31,00,452

2) Investment with IDBI under DIS 94,00,000 -

48,05,53,30,745 45,57,47,36,736 Schedule : 5 Bank Balance Current Accounts with: IDBI Bank Ltd., 46,16,901 3,12,07,134IDBI Bank Ltd., - DIS A/c - 947IDBI Bank Ltd., - D C (Handicraft ),GOI, 24,140 24,140 IDBI Bank Ltd., - D C (Handloom ) 1,96,705 70,199

48,37,746 3,13,02,420

` `

26

S C H E D U L E




Schedule : 6 Accrued Income

Annual Service Fee Receivable - 5,77,75,470

AF Receivable 2015 2,97,158 -

ASF Receivable 10,063 -

ASF Receivable (Revival / Enhancement) 1,10,63,740 -

1,13,70,961 5,77,75,470

Schedule : 7

Receivables

Prepaid Expenses 3,85,749 3,88,776

DIS Receivable - 40,201

Guarantee Claim Receivable 3,95,605 33,451

Guarantee Fee Receivable 24,15,562 -

Cenvat Credit Receivable Provision 7,88,922 8,10,141

Service Tax Reversal 7,65,72,058 4,80,82,452

Recoverable from SIDBI/ISARC 2,81,245 97,912

Service Tax Recoverable 10,28,02,322 27,31,42,885

18,36,41,463 32,25,95,818

Schedule : 8 Amount Recoverable from Tax Authorities

Income Tax refundable 31/3/07 8,68,43,908 8,68,43,908




Advance Tax, TDS Paid 31/3/10 1,52,88,27,407 1,52,88,27,407

Advance Tax, TDS Paid 31/3/11 51,48,14,555 -

Advance Tax, TDS Paid 31/3/12 - -

Advance Tax, TDS Paid 31/3/13 2,19,876 2,19,876

Advance Tax, TDS Paid 31/3/14 1,43,95,52,963 1,43,95,52,963

Advance Tax, TDS Paid 31/3/15 43,96,00,371 -Fringe Benefit Tax Refundable 3,55,502 3,55,502

(a) 4,30,94,71,189 3,35,50,56,263

Less: Provision for Tax 31/03/10 1,11,17,62,998 1,11,17,62,998 Provision for Tax 31/03/11 - -

Provision for Tax 31/03/12 - -

Provision for Tax 31/03/13 - -

(b) 1,11,17,62,998 1,11,17,62,998

Amount Recoverable from Tax Authorities (a)-(b)= 3,19,77,08,191 2,24,32,93,265

27

S C H E D U L E




Schedule : 9

Operating and Other Administrative Expenses

ACSIC Expenses 3,27,265 4,75,842

Advertisement & Publicity Expenses 19,38,533 37,07,911

Auditor’s Remuneration 3,10,000 3,10,000

Board Meeting Expenses 1,00,371 71,486

Conveyance & Vehicle Expenses 7,39,014 8,22,583

Courier/Postage Charges 1,20,532 2,59,211

Electricity expenses 3,52,915 -

Insurance Charges 19,761 20,159

Internal Auditor’s Remuneration 2,85,000 2,00,000

IT service 82,78,439 66,44,948

Internet Expenses - 10,068

Interest Expenses 4,122,604 -

Membership Fees 1,51,549 1,69,196

Miscellaneous Expenses 20,87,083 12,04,519

New Office Shifting Expenses 2,06,000 -

Premises Maint Expenses 270,443 -

Office Expenses 28,10,186 19,48,822

Evalution Study Expense - 42,20,000

Office Rent 99,53,322 80,90,522

Personnel Cost & Expenses 3,25,65,098 2,47,56,884

Printing & Stationery 5,95,710 7,87,028

Professional Fee 16,20,000 11,02,673

Security Expenses 1,41,382 -

Telephone Expenses 3,28,243 2,54,987

Travelling Expenses 12,54,037 4,95,345

6,85,77,487 5,55,52,184

28

29

3.Schedule: 10: - NOTES ON ACCOUNTS:

1. Significant Accounting Policies

a) Accounting Conventions : The accompanying

financial statements have been prepared keeping in

view the generally accepted accounting principles

continuing historical accounting.

b) Recognition of Income and Expenditure : The

Trust follows mercantile basis of accounting.

c) Fixed Assets : Fixed Assets have been stated at

cost less depreciation and rate of depreciation is Over and above the provision for claims held thetaken at 100% on computer & software, furniture and Trust is contingently liable for guarantee given /

sanctioned in the event of non-performance of the fixture, 50% on electrical Appliances and 20% on MSE for whose protection such guarantee is given/ Motor Car and plant & machinery. Depreciation on sanctioned.

fixed assets is provided under straight line

method. 4. The Trust is avail ing faci l ity of off ice accommodation, staff & I T services from SIDBI. As per d) Investments : Investments have been stated at the Memorandum of Understanding entered into

cost, accrued interest thereon. Investments relating between SIDBI and the Trust on October 04, 2001, the to Risk Sharing Fund (RSF) and fund received from the Trust paid service charge @ 20% on the expenses offices of DC (Handloom) and DC (Handicraft), incurred by SIDBI on behalf of the Trust towards

administrative expenses directly attributable to the Government of India have been separately stated in functioning of the Trust till July 2009. However, with the Balance Sheet.mutual decision, the same was withdrawn w.e.f. August 2009.e) Prior Period Adjustment : Expenses and income

pertaining to earlier / previous years are accounted as 5. The Trust pays 75% of the settled claim amount in prior period items.the first instance, leaving balance amount to be paid

f) Retirement Benefits : Retirement benefits are after the compliances of prescribed legal procedures by MLIs. In 109 cases (P Y 376 cases), subsequent provided by SIDBI for its employees on deputation to payment of 25% has been made. However in other the Trust and charged to revenue account annually on cases, the MLIs have yet to comply fully the legal

reimbursement basis. requirements making them eligible for the receipt of the balance.

2. Cumulatively up to March 31, 2015, the Trust had

received 80950 (P.Y.48004) claim applications from 71 6. Auditor's Remuneration ` 3,48,316/- (P.Y. ` 3,48,316/-) Member Lending Institutions. The Trust had settled

63032 (P.Y. 33437) eligible claims for ` 1492.58 Crore

(P.Y. ` 775.60 Crore) mainly towards first installment.

75 applications were withdrawn by MLIs. Additional

information of security details / subsidy amount, etc

called for had not been received and therefore claims

were temporarily closed. As on March 31, 2015, 7238

(P.Y. 3064) applications were pending for settlement,

which have been disposed subsequently.

SCHEDULE FORMING PART OF THE BALANCE SHEETAND INCOME AND EXPENDITURE ACCOUNT

Particulars As on31.03.15 31.03.14

Guarantee approval 90,445.90 70,026.28

Guarantee issued 81,772.07 63,353.23

Guarantee sanctioned, 8459.68 6673.06pending execution

As on

(` in Crores)

Particulars CurrentYear Year

Audit Fees 2,50,000

Tax Audit Fees 60,000 60,000

Service Tax 38,316 38,316

Total 3,48,316 3,48,316

Previous

2,50,000

(in `)

30

7. Taxation the reasoning that as the registration u/s.12A of the Trust was withdrawn by the DIT(E), Mumbai w.e.f.

The Trust was notified u/s. 10(23EB) of the Income A.Y.2009-10, the Trust is not eligible for any benefit of Tax Act, 1961 (“the Act”) by Finance Act 2002 w.e.f section 11 of the Act. 01.04.2002 and accordingly the income of the Trust was exempt u/s. 10(23EB) of the Act for a period of Against the said additions, the Trust had filed an five years commencing from Assessment Year appeal before Commissioner of Income Tax (Appeals) A.Y. 2002-03 to A.Y. 2006-07. - CIT(A) and hearing before the CIT (A) is in process.

The Trust had filed an application for granting stay of The Trust was registered u/s 12A of the Income Tax demand before ITO (E) and DIT (E) against the demand Act 1961 and accordingly it had claimed the of 1,74,67,65,531/-raised for A.Y 2010-11. The Trust exemption u/s 11 of the Act for A.Y. 2007-08 and A.Y. was directed by DIT (E) to make an interim payment of 2008-09. While claiming exemption for relevant ` 41.61 Crore in 10 installments by March 2014, assessment years, the Trust had accumulated 85% of pending decision of ITAT, which was duly paid by the its income to be spent on the objects of the Trust for Trust.which it was formed, in terms of Section 11(2) of the Act. While concluding the assessment proceedings for the

A.Y. 2009-10, the learned assessing officer made an The Finance Act, 2008 amended section 2(15) with addition of ` 94,38,84,008/- and ` 154,61,77,037/-, effect from 1.4.2008 i.e. A.Y. 2009-2010. Accordingly, being the amount accumulated under section 11(2) the Trust had not claimed the benefit of section 11 during AY 2007-08 and AY 2008-09 respectively and and accumulation of income from A.Y. 2009-2010 also made an addition of ` 156,10,25,000/- being onwards. contribution received towards corpus from the

Settlors of the Trust during the year by treating it as The Director of Income Tax (Exemptions) – DIT (E) held income on account of voluntary contribution u/s that activities carried out by the assesse the Trust are 2(24)(iia) of the Act 1961 and thereby raising a in the nature of trade, commerce or business etc. and demand of ` 306,66,43,175/-. Against the said referring to the amended provisions of section 2(15), addition, the Trust has filed an appeal before CIT(A) of the Act, cancelled the registration granted u/s 12A which is pending for disposal.to the Trust with effect from A.Y 2009-10. The Trust had preferred an appeal against this order before the While concluding the assessment proceedings for the Income Tax Appellant Tribunal (ITAT). The appeal filed A.Y. 2012-13, the learned assessing officer made an by the Trust against the cancellation of Registration addition of ` 2,22,50,000/- being contribution u/s 12AA of the Act 1961, before ITAT has been received towards corpus from the Settlors of the Trust decided in favour of the Trust vide order dated during the year by treating it as income on account of 28.05.2014. Consequent upon restoration of voluntary contribution u/s 2(24)(iia) of the Act 1961 registration of the Trust u/s 12A of IT Act by the and thereby raising a demand of ` 10,40,35,270/-. Income Tax Appellate Tribunal (ITAT), Director of Against the said addition, the Trust has filed an appeal Income Tax (Exemptions) has filed an appeal in the before CIT(A) which is also pending for disposal.High Court of Judicature at Mumbai in November 2014. While concluding the assessment proceedings for the

A.Y. 2011-12, the learned assessing officer in the order While concluding the assessment proceedings for the passed u/s 143(3) made an addition of ` A.Y 2010-11, the learned assessing officer made an 250,00,00,000/- being contribution received towards addition of ` 94,38,84,008/- and ` 154,61,77,037/-, corpus from the Settlors of the Trust during the year being the amount accumulated under section 11(2) by treating it as income on account of voluntary during AY 2007-08 and AY 2008-09 respectively and contribution u/s 2(24)(iia) of the Act 1961 and also made an addition of ` 166,41,00,000/- being thereby raising a demand of ` 102,96,29,441/-. contributions received towards Corpus from the Against the said addition, the Trust has filed an appeal Settlors of the Trust namely, Ministry of MSME, before CIT(A) and also made an application for stay of Government of India (GOI) and Small Industries demand before the ITO(E).Development Bank of India (SIDBI) during the year on

31

For Assessment Year 2009-10, the DIT (E) has passed 9. Particulars of expenditure in Foreign Currency an order u/s 263 of the Act whereby directions have (on Actual Basis)been given to the AO to include Corpus funds of ` 156.10 Crore along with amount accumulated u/s 11(2) of the Act in A.Y 2007-08 and A.Y 2008-09 in the total income of the Trust. Against the said order, an appeal has been filed before ITAT which is pending for disposal.

8. The Trust has obtained report of Actuary giving 10. Figures of previous year have been regrouped,

estimate of liability on outstanding guarantees given. reclassified and rearranged wherever necessary.

Actuary has evaluated provision for such claims evolving Regression Equation between claims lodged & guarantees issued. On outstanding guarantee amounts as on 31.03.2015 the additional provision suggested by Actuary in their report is ` 1108.03 Crore. Details of provision for such claims are as under:

Particulars Current

Opening balance 13,34,20,17,806 9,26,13,25,573as on 1st April

Less: Claim paid 7,23,60,77,959 4,24,45,07,767during the year

Add: Provision made 11,08,03,00,000 8,32,52,00,000during the year

Closing Balance 17,18,62,39,847 13,34,20,17,806as on 31st March

Year Previous Year(in `)

Particulars Current

Participation Fees 58,041 19,466

Travelling & Others 1,21,720 4,80,343

Membership Fees — 62,490

Year Previous Year

(in `)


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Documents

çsk.k i= - DCMSME AR(2014-15)English-single.pdf · Letter of Transmittal Message from the Chairman Board of Trustees as on 05 August, 2015 Report on the working of the CGTMSE for