{df¶ dñVw - Vijaya Bank Bank Annual...ímm»mmAm| HŸr g§»`m 1359 1512 1618 Ama{úm{V Am¡a A{Ümímoîm 3863 5029 5301 gHŸb bmäm 1122 1104 1259 {Zdb bmäm 586 416 439 HwŸb

1

{df¶ dñVw n¥îR> g§.

CONTENTS Page No.

{ZînmXZ d¡{eîQ>¶ 2014-15 2 Performance Highlights 2014-15 128

{ZînmXZ H$s EH$ PbH$ 3 Performance at a glance 129

à~§Y {ZXoeH$ Ed§ grB©Amo H$m g§Xoe 4 Message from the MD & CEO 130

gyMZm 6 Notice 132

{ZXoeH$m| H$s [anmoQ>© 7 Director's Report 133

H§$nZr emgZ na {ZXoeH$ ‘§S>b H$s [anmoQ>© 28 Report of the Board of Directors on Corporate Governance 156

H§$nZr emgZ na boIm narjH$m| H$m à‘mU nÌ 57 Auditor's Certificate on Corporate Governance 184

VwbZ nÌ 58 Balance Sheet 185

bm^ d hm{Z boIm 59 Profit & Loss Account 186

VwbZ nÌ d bm^ d hm{Z boIo H$r AZwgy{M¶m§ 60 Schedules to Balance Sheet and Profit & Loss Account 187

‘hËdnyU© boIm Zr{V¶m§ 2014-15 68 Significant Accounting Policies 2014-15 195

boIm| na {Q>ßn{U¶m§ 75 Notes on Accounts 202

ZH$Xr àdmh {ddaU 100 Cash Flow Statement 230

boIm narjH$m| H$s [anmoQ>© 102 Report of the Auditors 232

~ogb àH$Q>rH$aU XñVmdoO 104 Basel Disclosure Document 234

B©grEg àmê$n 259 ECS Format 260

àm°³gr ’$m°‘© 261 Proxy Form 262

dm{f©H$ gm‘mÝ¶ ~¡R>H${XZm§H$ … 22 OyZ, 2015 g‘¶ … 10.30 ~Oo

ñWmZ … ‘wëH$s gw§Xa am‘ eoQ²>Q>r g^mJ¥h,

{dO¶m ~¢H$, àYmZ H$m¶m©b¶, 41/2, E‘. Or. amoS>, ~|Jbwé - 560 001

ANNUAL GENERAL MEETINGDate : 22nd June, 2015 Time : 10.30 a.m.

Place : Mulki Sunder Ram Shetty Auditorium,

Vijaya Bank Head Office, M.G. Road, Bengaluru - 560001

boIm narjH$AUDITORS

n§Or¶H$ d eo¶a A§VaU EO|Q>REGISTRAR & SHARE TRANSFER AGENT

‘ogg© H$am© EÊS> H§$.M/s. Karra & Co.

‘ogg© EZ gr {‘ËVb EÊS> H§$.M/s. N C Mittal & Co.

‘ogg© Ho$nrE‘gr EÊS> Agmo{gEQ>gM/s. KPMC & Associates

_ogg© nrHoŸE\Ÿ lrÜma EÊS g§VmZ_ EbEbnrM/s. PKF SRIDHAR & SANTHANAM LLP

_ogg© qbHŸ BZQmB_ B§[S`m àmBdoQ [b[_QoS M/s. Link Intime India Private Limited

gs -13, nÝÝmmbmb [gëHŸ [_ëg HŸ§nmC§S C-13, Pannalal Silk Mills Compound,

Eb.~s.Eg.amoS , ^m§Syn (n[íÀm_), L B S Road, Bhandup (West)

_w§~B© - 400 078 Mumbai - 400 078

\ŸmoZ Phone (022) 25963838, \¡ŸŠg Fax (022) 25946969

B©-_ob E-mail: [email protected]

[dO`m ~¡§HŸ VIJAYA BANK(^maV gaH$ma H$m CnH«$‘ A Government of India Undertaking )

àYmZ HŸm`m©b` Head Office No. 41/2, E_.Os.amoS, M.G. Road, ~o§Jbya Bengaluru - 560 001 Ÿ \ŸmoZ Phone : 080 - 2558 4066 (20 bmB©Ýg lines) \¡ŸŠg Phone : 080 - 25594737 do~gmB©Q Website : www.vijayabank.com

2

HŸmamo~ma d¥[Õ

~¡§HŸ HŸm HwŸb HŸmamo~ma A^s VHŸ HoŸ CÀMV_ ñVa na ` 214035

HŸamoS ahm.

O_mam[e`m§ 31 _mM©, 2014 HoŸ ` 124296 HŸamoS go ~THŸa 31

_mM©, 2015 HŸmo ` 126343 HŸamoS ahs.

HŸmgm 31 _mM©, 2014 HoŸ ` 22860 HŸamoS go 12.52% HŸs

d¥[Õ Xem©Vo hwE 31 _mM©, 2015 HŸmo ` 25721 HŸamoS ahm. Hw$b

O‘mam{e¶m| ‘| HŸmgm O_mAmo§ HŸs à[VeVVm ^s 18.39% go ~THŸa

20.35% hmo J`r.

A[J«_ 31 _mM©, 2014 HoŸ ` 82425 HŸamoS go 6.39% HŸs d¥[Õ

Xem©Vo hwE 31 _mM©, 2015 HŸmo ` 87692 HŸamoS aho.

HwŸb IwXam A{J«_ 31 _mM©, 2014 HoŸ ` 15617 HŸamoS go

19.97% HŸs d¥[Õ Xem©Vo hwE 31 _mM©, 2015 HŸmo ` 18735

HŸamoS VHŸ nhw§Mm. IwXam A{J«_ HwŸb A{J«_mo§ HŸm 21.36% h¡.

G$U O_m AZwnmV 31 _mM©, 2014 HŸs 66.31% go ~THŸa 31

_mM©, 2015 HŸmo 69.41% ahm.

bm^ Am¡a bm^àXVm

df© Ho$ Xm¡amZ ~¢H$ H$m Hw$b ã¶mO Am¶ 14.64% go ~T>H$a {nN>bo

{dËVr¶ df© Ho$ ` 10707 HŸamoS go ` 12274 HŸamoS hm| JB©.

31 _mM©, 2015 HŸmo g_mßV df© HoŸ [bE ~¡§HŸ HŸs J¡a ã¶mO Am` _o§

23.80% HŸs d¥[Õ hwB© AWm©V² 31 _mM©, 2014 HŸmo g_mßV df© HoŸ

` 710 HŸamoS go ~THŸa ` 879 HŸamoS hmo J`r.

~¡§HŸ HŸs HwŸb Am` 15.20% HŸs d¥[Õ Xem©Vo hwE df© 2013-14

HoŸ ` 11417 HŸamoS HoŸ n«[V df© 2014-15 HŸmo ` 13153 HŸamoS

ahs.

14.07% HŸs d¥[Õ Xem©Vo hwE _mM© 2015 HŸmo g_mßV df© HoŸ [bE

n[aMmbZ bm^ ` 1259.03 HŸamoS ahm VWm [Zdb bm^ 5.65%

HŸs d¥[Õ Xem©Vo hwE ` 439.41 HŸamoS ahm.

AmpñV JwUdÎmm

31.03.2015 HŸmo ~¡§HŸ HŸm gHŸb EZnsE 2.78% ahm.

31.03.2015 HŸmo ~¡§HŸ HŸm [Zdb EZnsE AZwnmV 1.92% ahm.

31.03.2015 HŸmo ~¡§HŸ HŸm n«mdYmZ HŸdaoO AZwnmV 64.01%

ahm.

àmW[_HŸVm úmoÌ n[aMmbZ

àmW[_HŸVm úmoÌ g§[d^mJ _o§ 18.79% HŸs ~TmoÎmas hwB© AWm©V² 31

_mM©, 2014 HoŸ `25855 HŸamoS go ~THŸa 31 _mM©, 2015 HŸmo

` 30714 HŸamoS hmo J`m.

n«Ë`úm H¥Ÿ[f A{J«_ 18.05% HŸs d¥[Õ Xem©Vo hwE 31.03.2015

HŸmo ` 7546 H$amoS> ahm.

HŸ_Omoa dJmoª HŸmo A[J«_ _o§ 20.39% HŸs d¥[Õ hwB© VWm _[hbm

[hVm[YHŸm[a`mo§ HŸmo A[J«_ _o§ 26.93% d¥[Õ hwB©.

[dÎms` g_mdoeZ

~¡§HŸ Zo Am~§[QV 3320 J«m_mo§ VWm 432 dmSmoª HŸmo 289 emImAmo§

VWm 827 ~¡§HŸ [_Ìmo§ (~sgsE) HoŸ O[aE àmd[aV [HŸ`m h¡.

n«YmZ _§Ìs OZ YZ `moOZm (nsE_OoSsdmB©) HoŸ EHŸ ^mJ HoŸ ê$n _o§,

~¡§HŸ Zo 12.19 bmI ZE AmYma^yV ~MV ~¡§HŸ ImVoo Imobo VWm

` 63.63 HŸamoS O_m g§J«[hV [HŸ`m Am¡a g^s ImVmYmaHŸmo§ HŸmo éno

HŸmS© Omas [HŸ`m.

àm¡Úmo[JHŸs _o§ àJ[V

~¡§HŸ Zo gyMZm n«m¡Úmo[JHŸs AmYm[aV H$B© CËnmXmo§ HŸs ewêAmV HŸs VWm

ds-[ŠdHŸno, ds-kmZ gmJa, ds-A~HŸg, `yEgEgSs-EZ`y`yns,

ds-Am°ZbmBZ Eg~s, Am[X {d{^Þ Z¶o CËnmXmo§/gw[dYmAmo§ Ûmam

_m¡OyXm godmAmo§ _o§ gwYma {HŸ`m.

df© Ho$ Xm¡amZ ~¢H$ Zo 15.40 bmI S>o{~Q> H$mS>© Omar {H$¶m h¡ VWm

Hw$b S>o{~Q> H$mS>© AmYma 4459155 ~Z J¶m h¡.

So[~Q HŸmS© HŸmamo~ma 31 _mM©, 2014 HoŸ ` 464.96 HŸamoS HoŸ n«[V

2014-2015 HoŸ Xm¡amZ ~THŸa ` 577.42 HŸamoS hmo J`m.

H«$o[SQ HŸmS© HŸmamo~ma _o§ 31.03.2014 HoŸ ` 458.18 HŸamoS HoŸ n«[V

` 514.57 HŸamoS d¥[Õ hwB©.

~¡§HŸ éno VWm dsgm HoŸ gh`moJ go ßb¡[QZ_ S>o{~Q> HŸmS© H$s ewéAmV

H$s h¡.

ny§Os n`m©ßVVm

8.24% HoŸ [Qà-& AZwnmV VWm 3.19% HoŸ [Qà-&& AZwnmV

HoŸ gmW ny§Os VWm Omo[I_ ^m[aV AmpñV HŸm AZwnmV 11.43%

(~ogb-&&&) ahm.

~¡§HŸ HŸm gsAmaEAma Ý`yZV_ [ZYm©[aV 9% ñVa go A[YHŸ h¡.

df© 2014-15 HoŸ Xm¡amZ, ~¡§HŸ Zo ~ogb-&&& AZwnmbHŸ ` 1000

HŸamoS HŸs [Qà-&& ny§Os VWm ` 500 HŸamoS HŸs ~o_s`mXs A[V[aº

[Qà-& ny§Os OwQm`r.

[ZînmXZ d¡[eîQ²` : 2014-15

3

{ZînmXZ HŸr EHŸ ÂmbHŸ (` HŸamoSm| _|)

n«_w»m _mZX§S 2012-13 2013-14 2014-15

ímm»mmAm| HŸr g§»`m 1359 1512 1618

Ama{úm{V Am¡a A{Ümímoîm 3863 5029 5301

gHŸb bmäm 1122 1104 1259

{Zdb bmäm 586 416 439

HwŸb O_mam{ím`m§

d¥{Õ %

97017 124296 126343

16.81 28.12 1.65

HŸmgm O_mam{ím`m§

HwŸb O_mam{ím`m| HŸm %

20349 22860 25721

20.54 18.39 20.35

gHŸb FÊm

d¥{Õ %

70514 82425 87692

20.19 16.89 6.39

HwŸb HŸmamo~ma

d¥{Õ %

167531 206721 214035

18.21 23.40 3.47

gHŸb EZnrE

(%)

1533 1986 2443

2.17 2.41 2.78

{Zdb EZnrE

(%)

910 1262 1691

1.30 1.55 1.92

{Zdoím 31285 42585 44698

n«mÏm{_HŸVm úmoÍm HŸmo A{J«_

EEZ~rgr HoŸ n«{V %

19505 25855 30714

33.23 35.55 35.97

HwŸb HŸ_©Mmar 12601 12822 13617

n«{V HŸ_©Mmar HŸmamo~ma 13.87 16.74 16.56

n«_w»m AZwnmV (%)

O_m bmJV 8.07 7.98 8.10

A{J«_m| na Am` 11.54 11.26 11.34

{Zdb ã`mO _m{O©Z 2.13 2.02 1.93

Am{ñV`m| na Am` 0.59 0.35 0.33

ny§Or n`m©ßVVm AZwnmV % (~ogb II) 11.32 10.97 11.70

ny§Or n`m©ßVVm AZwnmV % (~ogb III) bmJy Zht 10.56 11.43

4

~¡§HŸ HoŸ n[aMmbZmË_HŸ n[adoe HŸmo Am`m_ XoZodmbs ^maVs` AW©-ì`dñWm

Am¡a ~¡§qHŸJ úmoÌ HoŸ _hËdnyU© [dHŸmg Ed§ [dÎms` df© 2014-15 HoŸ

[bE h_mao ~¡§HŸ HoŸ [ZînmXZ HŸs g_súmm AmnHoŸ g_úm aIVo hwE _wÂmo ~ohX

àgÝÝmVm hmo ahs h¡.

df© 2014-15 _o§ d¡[œHŸ AW©-ì`dñWm _o§ gwYma Ys_m ahm. JV

dfmoª _o§ A[^[hV AYmo_wIs àd¥[Îm HoŸ ~mX, à_wI AW©-ì`dñWmAmo§ _o§

A[Z[íÀmVVmAmo§ Am¡a [d[^ÝÝm àd¥[Îm`mo§ HoŸ hmoVo hwE ^s d¡[œHŸ Am[W©HŸ

n[apñW[V`mo§ _o§ bJmVma gwYma hmoVm ahm.

[dÎms` df© 2014-15 HoŸ Xm¡amZ ^maV HŸs Am[W©HŸ n[apñW[V`mo§ na d¡[œHŸ

A[Z[íÀmVVmAmo§ HŸm g§M`s à^md, [nNbs AW© ì`dñWm HŸs Zs[V HŸm

X~md VWm HŸ_Omoa [Zdoe _m§J HŸm à^md ahm. ~w[Z`mXs Am[W©HŸ g§HoŸVHŸ

O¡go, Am¡Úmo[JHŸ CËnmXZ gyMHŸm§HŸ (AmB©AmB©ns), Am`mV Am¡a [Z`m©V

_o§ d¥[Õ, gHŸb pñWa ny§Os [Z_m©U Am[X _o§ gr{‘V gwYma [XImB© [X`m.

VWm[n, [dÎms` df© HoŸ Xygao AY©-df© _o§ _wÐmñ\Ÿs[V _o§ [JamdQ,Am[W©HŸ

_yb^yV VËdmo§ _o§ gwYma Am¡a CÀM HŸmamo~mas [dœmg HoŸ HŸmaU g§nyU© Am[W©HŸ

n[apñW[V _o§ gwYma hmoZo bJm. Cn^moºm _yë` _wÐmñ\Ÿs[V ‘| _mM© 2014

HoŸ 8.25% HŸs VwbZm _o§ _mM© 2015 HoŸ [bE AZw_m[ZV 5.25% HoŸ

gmW _wÐmñ\Ÿs[V _| g§aMZmË_HŸ AYmo_wIs àd¥[Îm [XIm`s Xs. hoSbmBZ

_wÐmñ\Ÿs[V ZHŸmamË_HŸ àd¥[Îm [XImVs hwB© _mM© 2015 VHŸ -2.30% ahs.

^maVs` ~¡§HŸmo§ go `h Anoúmm HŸs OmVs h¡ [HŸ do Am[W©HŸ nwZéËWmZ _o§

_hËdnyU© ^y[_HŸm [Z^mE§ VWm Am[W©HŸ J[V[d[Y`mo§ HoŸ ì`mnHŸ nhbwAmo§ _o§

d¥[Õ Am¡a [dHŸmg HŸmo ~Tmdm Xo§. VWm[n, [dÎms` df© 2014-15 _o§ ̂ maVs`

~¡§qHŸJ úmoÌ HŸmo HŸ_Omoa Am[W©HŸ J[V[d[Y`mo§ HoŸ n[aUm_ñdên HŸB© MwZm¡[V`mo§

HŸm gm_Zm HŸaZm nSm. ^maVs` [aOd© ~¡§HŸ Ûmam _wÐmñ\Ÿs[V na Ü`mZ Ho§Ÿ[ÐV

HŸaZo HoŸ HŸmaU CÀM ã`mO Xa HŸm Xm¡a ahm. Bggo AZwgy[MV dm[UpÁ`HŸ

~¡§HŸmo§ HoŸ G$U Ed§ O_m HŸs d¥[Õ na Aga hwAm, [OgHŸs dOh go [dÎms`

df© HŸs A[YHŸVa Ad[Y HoŸ [bE BZ_o§ gr{‘V gwYma hwAm.

df© 2014-15 _o§ AZwgy[MV dm[UÁ` ~¡§HŸ HŸs HwŸb O_mam[e`mo§ _o§ df©

Xa df© 11.4% HŸs d¥[Õ hwB© VWm ~¡§HŸ GU _o§ 9.5% HŸs d¥[Õ hwB©.

_mM© 2015 HoŸ A§V _o§ AZwgy[MV dm[UÁ` ~¡§HŸ HŸm G$U-O_m AZwnmV

76.46% ahm. G$U HŸs d¥[Õ _o§ _§X J[V HoŸ HŸmaU ~¡§HŸmo§ HŸs [Zdb ã`mO

_m[O©Z (EZAmB©E_) _o§ [JamdQ AmB©.

[Za§Va Am[W©HŸ _§Xs HoŸ \Ÿbñdê$n ~¡§qHŸJ úmoÌ HŸs AmpñV`mo§ HŸs JwUdÎmm _o§

[JamdQ à_wI qMVm HŸm [df` ~Z J`m h¡, gmW hs ~¡§HŸmo§ HŸs gHŸb J¡a

[ZînmXHŸ AmpñV`m§ VoOs go ~T ahs h¡. A[YHŸ g§»`m _o§ G$U _o§ MyHŸ VWm

EZnsE HoŸ ~TVo ñVa HoŸ HŸmaU ~¡§HŸmo§ HŸs bm^àXVm na Aga nSm.

eoàYmaHŸmo§ HŸmo à~§Y [ZXoeHŸ Ed§ gsB©Amo HŸm g§Xoe

[dÎms` df© 2014-15 _o§ MwZm¡[VnyU© HŸmamo~ma n[adoe _o§ à[VñnYm©Ë_HŸ

ahHŸa Am¡a AnZs úm_VmAmo§ HŸm à`moJ HŸaHoŸ VoOs go Am¡a geº hmoHŸa

AmJo ~TZm, [dO`m ~¡§HŸ HoŸ [bE à_wI MwZm¡[V`m§ aht. df© HoŸ Xm¡amZ, ~¡§HŸ

Zo AnZs úm_VmAmo§ na Ü`mZ Ho§Ÿ[ÐV [HŸ`m, CËnmX Am¡a godmAmo§ HŸm [dHŸmg

HŸaVm ahm, J«mhHŸmo§ HŸs Amdí`HŸVmAmo§ HoŸ AZwên gwnwX©Js M¡Zb HŸm [dHŸmg

[HŸ`m Am¡a ^maV HoŸ à_wI amîQ—s`H¥ŸV ~¡§HŸ HoŸ ên _o§ AnZs N[d ~Zmò aIZo

na Ü`mZ Ho§Ÿ[ÐV [HŸ`m. [dÎms` df© 2014-15 _o§ [dO`m ~¡§HŸ HŸm [ZînmXZ,

_w»`V: BZ AnoúmmAmo§ HoŸ AZwên ahm.

Bgs n[aàoú` _o§, _¡§ df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ HoŸ [ZînmXZ d¡{ímîQ²`

AmnHoŸ gm_Zo àñVwV HŸaZm MmhVm hy§.

[dO`m ~¡§HŸ Zo gwJ[TV [dHŸmg, AZwemgZ Am¡a bm^àXVm HŸm HŸmamo~ma

_m°Sb AnZmHŸa MwZm¡[VnyU© Am[W©HŸ n[adoe HŸm gm_Zm [HŸ`m Vm[HŸ gwX¥T

n[aMmbZmË_HŸ [ZînmXZ Xo gHoŸ Am¡a ^[dî` HoŸ [dHŸmg HoŸ [bE ~¡§HŸ HŸmo

nwZ:à[VpîRV [HŸ`m Om gHoŸ. df© HoŸ Xm¡amZ, MwZm¡[VnyU© Am[W©HŸ n[apñW[V`mo§

HoŸ ~mdOyX, ~¡§HŸ Zo AnZo HŸmamo~ma g§[d^mJ HŸmo Am¡a geº ~ZmZo HoŸ [bE

HŸB© nhb HŸs Am¡a VwbZ nÌ HŸmo gwX¥T ~ZmZo HoŸ [bE AZwem[gV Am¡a

[ddoHŸnyU© aUZs[V, AZwHyŸb g§aMZm Am¡a Omo[I_ HoŸ à[V gVH©Ÿ X¥pîQHŸmoU

AnZmZo hoVw g[H«Ÿ` à`mg [HŸ`m.

_yb HŸmamo~ma _o§ [Za§Va g[H«Ÿ`Vm VWm HwŸeb bmJV [Z`§ÌU HoŸ HŸmaU

~¡§HŸ EHŸ _O~yV AmYma ~ZmE aIVo hwE AnZs Am_XZs HŸmo ~aHŸama aI

gHŸm. _mM© 2015 HŸmo g_mßV df© HoŸ [bE gH$b bm^ 14.10% ~THŸa

` 1259 HŸamoS ahm. ` 819.62 HŸamoS HoŸ g^s Amdí`HŸ àmdYmZ HŸaZo

HoŸ ~mX df© HoŸ {bE ` 439.41 HŸamoS [Zdb bm^ àmßV hwAm h¡.

~¡§HŸ HoŸ HŸmamo~ma g§[d^mJ HŸmo nwZgªVwbZ HŸaZo HŸm _hËdnyU© CÔoí` Am¡a

CÀM bmJV A[Y_mÝ` Xa O_m Am¡a HŸ_ Am`dmbo A[J«_ HŸmo NmoSZo HŸm

gMoV [ZU©` HŸm HŸmamo~ma g§[d^mJ na ‘Ü¶ñW à^md nSm. VXZwgma,

_mM© 2015 HŸmo ~¡§HŸ HŸm HwŸb HŸmamo~ma 3.54% HŸs d¥[Õ Xem©Vo hwE

` 214035 HŸamoS ahm.

~¡§HŸ HŸs HwŸb O_mam[e`m§ ¶Wm 31 ‘mM© 2015 H$mo ` 126343 H$amoS

VH$ nhþ±Mr, IwXam _s`mXs O_mam[e`m§ 27.56% HŸs Rmog d¥[Õ hm[gb

HŸaVo hwE ` 39433 HŸamoS aht. _mM© 2015 _o§, HwŸb O_mam[e`mo§ _o§

A[Y_mÝ` ã`mO Xa HŸs WmoHŸ O_m Am¡a O_m à_mU nÌmo§ HŸm AZwnmV HŸ_

hmoHŸa 14.14% ah J`m. HŸmgm (Mmby Am¡a ~MV ~¡§HŸ O_m) OwQmZo na

[Za§Va Ü`mZ XoZo HoŸ \Ÿbñdên, [dÎms` df© 2014-15 _o§ ~¡§HŸ HŸs HŸmgm

O_mam[e`m§ 12.52% d¥[Õ Xem©Vo hwE ` 25721 HŸamoS aht. _mM© 2015

5

HŸmo gHŸb O_mam[e`mo§ _o§ HŸmgm O_mam[e`mo§ HŸm [hñgm 196 ~o[gHŸ nmB§Q

~THŸa 20.35 % hmo J`m.

~¡§HŸ HŸm G$U g§[d^mJ ~THŸa ` 87692 HŸamoS hmo J`m, df© Xa df©

6.39% HŸs d¥[Õ Xem©`s J`s VWm G$U-O_m AZwnmV 69.41% ahm.

~¡§HŸ HoŸ [d[dY GU g§[d^mJ _o§ AW© ì`dñWm HoŸ g^s CËnmXHŸ úmoÌ O¡go

H¥Ÿ[f, CÚmoJ, bKw, NmoQo VWm _Ü`_ CÚ_ (E_EgE_B©), H§ŸnZs VWm

~w[Z`mXs gw[dYm úmoÌmo§ HŸmo G$U, A[V bKw úmoÌ VWm IwXam G$U Am[X

gpå_[bV h¡§.

n«mÏm{_HŸVm úmoÌ _o§, HwŸb àmW[_HŸVm úmoÌ A[JŒ_ `Wm _mM© 2014

HoŸ ` 25855 HŸamoS go 18.79% d¥[Õ Xem©Vo hwE _mM© 2015 _o§

` 30714 HŸamoS ahm. àmW[_HŸVm úmoÌ A[J«_, g_m`mo[OV [Zdb ~¡§HŸ

GU HŸm 35.97% ahm. ~¡§HŸ HŸm Hw$b H¥Ÿ[f A[JŒ_ {nNbo dîm© HoŸ `

10527 HŸamoS go 14% d¥[Õ Xem©Vo hwE ` 11974 HŸamoS ahm. e¡[úmHŸ

GU g§[d^mJ 18.82% d¥[Õ Xem©Vo hwE ̀ 903 HŸamoS VHŸ nhw§Mm. HŸ_Omoa

dJmoª HŸmo GU 20.39% d¥[Õ Xem©Vo hwE ` 8685 HŸamoS ahm VWm _[hbm

[hVm[YHŸm[a`mo§ HŸmo GU _o§ 26.93% d¥[Õ Xem©Vo hwE ` 6438 HŸamoS ahm.

^maVs` AW©ì`dñWm HoŸ g§^mì` d¥[ÕXm`HŸ HoŸ ên _o§ CâVo hwE bKw, NmoQo

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HŸs AÀNs d¥[Õ Xem©Vo hwE ` 15165 HŸamoS ahm. IwXam CYma HŸmo ~TmZo

HoŸ [bE ~¡§HŸ Zo df© HoŸ Xm¡amZ HŸB© Cnm` [HŸE VWm IwXam CYma g§[d^mJ HoŸ

AYsZ ~HŸm`m A[JŒ_ 19.96% ~THŸa ` 18735 HŸamoS ahm Omo gHŸb

G$U HŸm 21.36% h¡.

~¡§HŸ HŸs AmpñV JwUdÎmm CÚmoJ _o§ A^s ^s g~go ~ohVasZ _o§ go EHŸ h¡.

AmpñV JwUdÎmm HŸs ~TVs hwB© qMVmAmo§ HŸm g_mYmZ HŸaZo hoVw, ~¡§HŸ Zo

GU g§[d^mJ HŸs pñW[V HŸs gOJ [ZJamZs VWm J¡a [ZînmXZ AmpñV`mo§

HŸs dgybs na Ü`mZ [X`m. ~¡§HŸ Zo J¡a [ZînmXZ AmpñV úmoÌ _o§ A§Vdm©h

HŸm [Z`§ÌU HŸaVo hwE VWm J¡a [ZînmXZ AmpñV`mo§ HŸs dgybs HŸaVo hwE

~ohVa VWm gúm_ J¡a [ZînmXZ AmpñV à~§YZ gw[Z[íÀmV [HŸ`m h¡. _mM©

2015 VHŸ ~¡§HŸ HŸs gHŸb J¡a [ZînmXHŸ AmpñV HŸm ñVa ` 2443 HŸamoS

ahm [OgHŸm AZwnmV 2.78% ahm. [Zdb J¡a [ZînmXHŸ AmpñV HŸm ñVa `

1691 HŸamoS ahm VWm [Zdb EZnsE AZwnmV 1.92% ahm. _mM© 2015

HŸmo àmdYmZ HŸdaoO AZwnmV 64.01% ahm.

JŒmhHŸ HŸs gw[dYm HŸmo gdmo©ÀM ñWmZ XoVo hwE Am¡a ~¡§HŸ HoŸ Zs[VJV g§Ho§ŸÐZ

HoŸ AZwên, AnZs pñW[V HŸmo geº ~ZmZo hoVw ~¡§HŸ Zo gwnwX©Js M¡Zbmo§ HŸmo

Am¡a ^s [dHŸ[gV [HŸ`m h¡. ~¡§HŸ Zo [dÎms` df© 2014-15 HoŸ Xm¡amZ 109

emImAmo§ HŸmo OmoSVo hwE emImAmo§ HŸs HwŸb g§»`m HŸmo 1618 VHŸ ~Tm`m

h¡. `Ïmm 31 _mM©, 2015 HŸmo ~¡§HŸ HoŸ HwŸb EQsE_ HŸs g§»`m 1383 ahs.

Xoe HŸs g_mdo[eV d¥[Õ Tm§Mo HoŸ AZwên, ~¡§HŸ [dÎms` g_mdoeZ HŸm`©gyMs

HŸmo g[HŒŸ` ên go HŸm`m©pÝdV HŸa ahm h¡. Bg [Xem _o§ ~¡§HŸ HŸm bú` h¡

[dÎms` geºsHŸaU VWm JŒm_sU OZVm VHŸ ~¡§qHŸJ godmE§ bo OmZm. àYmZ

_§Ìs HoŸ AmôdmZ HŸm A[YXoe boHŸa, Xoe HŸmo g_[n©V hwE EHŸ-Xmo _hsZmo§

HoŸ A§Xa hs, [dO`m ~¡§HŸ Zo àYmZ _§Ìs OZ YZ `moOZm HoŸ AYsZ 12.19

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HŸm`m©Ýd`Z HoŸ [bE [dœñVas` CÀM ì`dhma g§[hVm HŸmo àmßV HŸaZo HoŸ

[bE ~¡§HŸ Zo _Oy~V Omo[I_ à~§YZ Tm§Mm V¡`ma [HŸ`m h¡. ~¡§HŸ HoŸ àm¡Úmo[JHŸs

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XúmVm HŸm [Z_m©U VWm HŸmamo~ma d¥[Õ hm[gb HŸaZo VWm JŒmhHŸ godm HŸmo

gdmo©ËH¥ŸîR ~ZmZo hoVw g_W©HŸ HoŸ ên _o§ HŸm`© HŸa aho h¡§.

AJŒga ahVo hwE, ~¡§HŸ à_wI HŸmamo~mas HŸm`©úmoÌ HoŸ [dHŸmg _o§ VoOs bmZo

hoVw YmaUs` HŸmamo~ma _o§ [Zdoe Omas aIoJm Am¡a gwX¥T ~w[Z`mX HŸm [Z_m©U

HŸaoJm. ~¡§HŸ Zo Z`s HŸm`©Zs[V `moOZm '{_ímZ 2020' AnZm`m h¡ Omo

bm^àXVm,n[aMmbZmË_HŸ XúmVm,AmpñV JwUdÎmm, Omo[I_ à~§YZ Am¡a

nhw§M HoŸ [dñVma HoŸ AmYma na gwX¥T HŸmamo~ma _m°Sb HoŸ [Z_m©U HŸaZo hoVw

Amdí`HŸ [Z[dpîQ`m§ Am¡a [ZXo©e CnbãY HŸamòJm.

[dÎms` df© 2015-16 HoŸ [bE h_Zo ` 1,45,000 HŸamoS HŸs O_mam[e`m§

VWm ` 1,05,000 HŸamoS HoŸ A[JŒ_ g{hV ` 2,50,000 HŸamoS HŸm

HŸmamo~ma bú` n[aHŸpënV [HŸ`m h¡. 250 emImE§ ImobHŸa Am¡a EQsE_

HŸs g§»`m _o§ n`m©ßV d¥[Õ HŸaHoŸ ZoQdH©Ÿ _o§ Am¡a [dñVma HŸaZo HŸm h_mam

àñVmd h¡. HŸmamo~ma HoŸ [_lU _o§ h_ IwXam ì`mnma na Ü`mZ Ho§Ÿ[ÐV HŸao§Jo

Vm[HŸ bm^àX d¥[Õ gw[Z[íÀmV HŸs Om gHoŸ. AmpñV JwUdÎmm úmoÌ _o§, h_mam

HŸmnmo©aoQ bú` J¡a-[ZînmXHŸ AmpñV`mo§ HŸmo am[edma VWm à[VeV dma

CÎmamoÎma HŸ_ HŸaZm h¡.

~¡§HŸ HŸmo HŸm°nmo©aoQ HŸmamo~ma g§doXZmAmo§ Am¡a Xoes Am[W©HŸ n[adoe _o§ g§^mì`

gwYma go bm^ hmoJm. ~¡§HŸ AnZm HŸmamo~ma ~aHŸama aIVo hwE [dHŸmg HŸaVm

ahoJm VWm Adgamo§ HŸm ghs bm^ CRmZo HoŸ [bE ~¡§HŸ HŸs ñnîQ aUZs[V`m§

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ahy§Jm. AmnHoŸ [Za§Va g_W©Z VWm g§aúmU go, _wÂmo nyam [dœmg h¡ [HŸ h_mam

~¡§HŸ dV©_mZ df© HoŸ Xm¡amZ ~wb§[X`mo§ HŸmo Ny boJm.

_¡§, Amn g^s _hËdnyU© eoàYmaHŸmo§ HŸmo AmnHoŸ [Za§Va gh`moJ VWm [dœmg

HoŸ [bE Vho [Xb go YÝ`dmX XoVm hy§.

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6

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7

[ZXoeHŸ _§Sb, [XZm§HŸ 31 _mM© 2015 HŸmo boIm nas[úmV VwbZ-nÌ Ed§ 31 _mM©, 2015 HŸmo g_mßV df© HoŸ bm^-hm[Z boIm g[hV, ~¡§HŸ HŸs 35dt dm[f©HŸ [anmoQ© ghf© àñVwV HŸaVm h¡.

à~§YZ n[aMMm© Am¡a [díbofU

Am[W©HŸ n[aX¥í`

df© 2014-15 _o§ [dœ HoŸ [d[^ÝÝm úmoÌ Am¡a AW©-ì`dñWm [^ÝÝm-[^ÝÝm àd¥[Îm`mo§ go JwOa ahs Ws, [Oggo d¡[œHŸ AW©-ì`dñWm _o§ gwYma Ys_m ahm. [nNbo df© HŸs VwbZm _o§, df© 2014-15 _o§ CÝÝmV AW©ì`dñWmAmo§ HoŸ X¥pîQHŸmoU _o§ gwYma hwAm, O~[HŸ CâVs ~mOma Am¡a [dHŸ[gV AW©ì`dñWmAmo§ HoŸ [dHŸmg _o§ [JamdQ hwB©. A§Vam©îQ—s` _m¡[ÐHŸ [Z[Y(AmB©E_E\Ÿ) HoŸ AZwgma, df© 2013 HŸs d¥[Õ Xa HŸs VwbZm _o§, 2014 _o§ [dœ AW©-ì`dñWm _o§ 3.4% HŸm Ys_m gwYma hwAm. CÝÝmV AW©ìdñWmAmo§ _o§ df© 2013 _o§ 1.4% HŸs VwbZm _o§ df© 2014 _o§ 1.8% d¥[Õ hwB©, CâVs AW©ì`ñWmAmo§ _o§ df© 2013 HŸs 5.0% HŸs VwbZm _o§ df© 2014 _o§ 4.6% HŸs d¥[Õ hwB©. A§Vam©îQ—s` ñVa na gmoZm Am¡a Vob HoŸ HŸ_ _yë`mo§ HoŸ AZwê$n, df© HoŸ Xm¡amZ d¡[œHŸ _wÐmñ\Ÿs[V HŸm ñVa HŸ_ ahm. HŸB© CÝÝmV Am¡a CâVs AW©-ì`ñWmAmo§ HŸs _m¡[ÐHŸ Zs[V ghO àd¥[Îm [XIm ahs Ws Vm[HŸ Am[W©HŸ [dHŸmg HŸmo ~Tmdm [_bo§.

df© 2014-15 HoŸ Xm¡amZ, ^maVs` AW©-ì`dñWm Zo [_[lV àd¥[Îm`m§ Xem©`s Am¡a ^maV HŸm OsSsns [dHŸmg nhbo VsZ [V_m[h`mo§ HoŸ Xm¡amZ HŒŸ_~Õ gwYma Xem©`m. VWm[n, OsSsns [dHŸmg _o§ WmoSs d¥[Õ hwB© Š`mo§[HŸ Ho§ŸÐs` gm§p»`HŸs g§JRZ Zo Am[W©HŸ CËnmXZ HoŸ AmHŸbZ HoŸ Cnm` _o§ gwYma bm`m. ZB© nÕ[V HoŸ AZwgma, df© 2013-14 HŸs 6.9% HŸs VwbZm _o§ df© 2014-15 _o§ 7.4% àË`m[eV HŸs JB©.

WmoHŸ _yë` Am¡a IwXam _yë` go Zmns JB© _wÐmñ\Ÿs[V df© HoŸ Xm¡amZ ^maVs` [aOd© ~¡§HŸ Ûmam n[aHŸpënV amh na Mbs. WmoHŸ _yë` gyMHŸm§HŸ go Zmns JB© hoSbmBZ _wÐmñ\Ÿs[V ZHŸmamË_HŸ àd¥[Îm [XIm`s, Omo _mM© 2015 _o§ A^s VHŸ HoŸ HŸ_ ñVa -2.33% VHŸ [Ja JB©. IwXam _wÐmñ\Ÿs[V ^s _mM© 2014 HŸs 8.25% HŸs VwbZm _o§ WmoSm gwYma HŸs àd¥[Îm 5.25% ahs.

[dœ ~mOma HŸs A[Z[íÀmVVmAmo§ HoŸ à[VHyŸb à^md HoŸ HŸmaU ^maV HoŸ [dXoes ì`mnma HŸm [ZînmXZ Za_ ahm. dm[UÁ` [d^mJ, ^maV gaHŸma Ûmam Omas AZ§[V_ Am§HŸSmo§ HoŸ AZwgma, Aà¡b-_mM© 2014-15 HoŸ Xm¡amZ ̂ maV HŸm ì`mnm[aHŸ [Z`m©V `yEg Smba 310.5 [~[b`Z ahm Am¡a ì`mnm[aHŸ Am`mV `yEg Smba 447.5 [~[b`Z ahm .[Z`m©V _o§ HŸ_ d¥[Õ (-1.2%) VWm Am`mV (-0.6%) HoŸ HŸmaU ì`mnma KmQo _o§ `yEg Smba 1.2 [_[b`Z Za_ d¥[Õ Xem©Vo hwE `yEg Smba 137 [~[b`Z ahm.

[ZOs úmoÌ Am¡a gaHŸma Ûmam [Zdoe _o§ Ys_s J[V HoŸ HŸmaU ny§Os [Z_m©U _o§ _§X àd¥[Îm [XIm`s Xs VWm Mmby HŸs_V na gHŸb ñWm`s ny§Os [Z_m©U (OsE\ŸgsE\Ÿ) Xa HŸ_ hmoHŸa df© 2014-15 _o§ 28.6% ahm.

^maV HoŸ [dÎms` ~mOma Zo d¡[œHŸ d Xoes úmoÌ _o§ hmo aho g_JŒ [dHŸmg HoŸ à[V à[V[HŒŸ`m ì`º HŸs. [dÎms` df© 2014-15 HŸs ewéAmV _o§ Omo _wÐm Amny[V© (E_3) 13.6% ahs, Am[W©HŸ J[V[d[Y Am¡a HŸ_ GU _m§J HoŸ n[aUm_ ñdên df© HoŸ Xm¡amZ Ys_s d¥[Õ [XImVo hwE _mM© 2015 HoŸ A§V _o§ 11.1% ahm.

df© 2014-15 HoŸ Xm¡amZ B©pŠdQs d GU [ZJ©_ KQZo Am¡a HŸmnmo©aoQ ~m§S HoŸ [ZOs ñWmZZ ~TZo HoŸ HŸmaU àmW[_HŸ ~mOma HoŸ O[aE g§gmYZ g§JŒhU Zo [_[lV àd¥[Îm Xem©`s. VWm[n, AZwf§Js ~mOma _o§, [dÎms` df© HoŸ Xm¡amZ ~o§M_mH©Ÿ gyMHŸm§HŸ,~sEgB© go§goŠg VWm [ZâQs Zo gm_mÝ` DÜd©_wIs àd¥[Îm [XIm`s.

df© 2014-15 HoŸ Xm¡amZ [Zdb ny§Os/[dÎms` àdmh _o§, _mÌm Am¡a JwUdÎmm XmoZmo§ HŸs X¥pîQ go HŸm\Ÿs gwYma hwAm. _mM© 2015 HoŸ A§V _o§ ^maV HŸs [dXoes [d[Z_` Ama[úm[V`m§ ~THŸa `yEgSmba 341.4 [~[b`Z ahm.

gHŸmamË_HŸ ~mOma ^mdZmAmo§, HŸ_ _wÐmñ\Ÿs[V ñVa, nÊ` HŸs_Vmo§ _o§ gwYma VWm gaHŸma Ûmam Xs JB© [dÎms` à[V~ÕVmAmo§ na gHŸmamË_HŸ [dHŸmg HoŸ [_[lV à^md HoŸ HŸmaU df© 2014-15 HoŸ Xm¡amZ 10 df© gaHŸmas ~m§S à[V\Ÿb AYmo_wIs ahm.

df© 2014-15 HŸs d¡[œHŸ KQZmAmo§ HoŸ à[V énò Zo n`m©ßV bMsbVm [XIm`s Am¡a df© HoŸ Xm¡amZ B©pŠdQs Am¡a ~m§S ~mOma _o§ E\ŸSsAmB© Am¡a E\ŸAmB©AmB© _o§ A[YHŸ B§âbmo HoŸ HŸmaU én`m-`yEg Smba [d[Z_` Xa Á`mXmVa pñWa ahs. VWm[n, q~Xwdma AmYma na _mM© 2014 HoŸ A§V VHŸ énò HŸm 4.3% _yë`õmg hmoHŸa ` 59.9 à[V `yEg Smba go _mM© 2015 HŸmo ` 62.50 à[V `yEg Smba ~Z J`m.

df© 2014-15 HoŸ Xm¡amZ gHŸb [dÎms` KmQm df© 2013-14 HŸs 4.5% HŸs VwbZm _o§ OsSsns HoŸ 4.1% n[aHŸ[bV [HŸ`m J`m.

~¡§qHŸJ n[aX¥í`

df© 2014-15 HoŸ Xm¡amZ ^maVs` ~¡§qHŸJ úmoÌ HŸmo HŸB© MwZ¡[V`mo§ HŸm gm_Zm HŸaZm nSm Am¡a df© HoŸ Xm¡amZ ^maVs` ~¡§qHŸJ úmoÌ _o§ gwYma Ys_m ahm. ~¡§qHŸJ úmoÌ _o§ G$U d O_m [dHŸmg _o§ AYmo_wIs àd¥[Îm [XIm`s Xs. AZwgy[MV dm[UpÁ`HŸ ~¡§HŸmo§ HŸs g_J« O_mam[e`m§ [nNbo df© HŸs 15% d¥[Õ HŸs VwbZm _o§ 2014-15 _o§ df©-Xa-df© 11.4% d¥[Õ Xem©`s h¡. AZwgy[MV dm[UpÁ`HŸ ~¡§HŸmo§ HoŸ J¡a ImÚ G$U [nN²bo df© HŸs 14% d¥[Õ HŸs VwbZm _o§ 2014-15 _o§ df©-Xa-df© 9.5% d¥[Õ Xem©`m h¡. H¥${f Am¡a g§~§ÜX H$m¶©H$bmn H$mo N>moS>H$a G$U ‘| d¥[Õ ì¶mnH$ Vm¡a na Yr‘r ahr.

úm[UHŸ V§J n[apñW[V`mo§ HoŸ Abmdm df© 2014-15 _o§ VabVm n[apñW[V`m§ Á`mXmVa g§Vw[bV ahs. O_m g§JŒhU HŸs VwbZm _o§ G$U _o§ Ys_s d¥[Õ Am¡a

[ZXoeHŸmo§ HŸs [anmoQ© 2014-15

8

gaHŸma HoŸ ZHŸX A[Yeof _o§ HŸ_s VWm G$U d O_m d¥[Õ _o§ HŸ_ hmo aho A§Vamb HoŸ HŸmaU VabVm ñVa _o§ gwYma Am`m.

df© 2014-15 HoŸ Xm¡amZ [dHŸmg _wÐmñ\Ÿs[V J[VesbVm HŸmo g§Vw[bV HŸaZo hoVw _m¡[ÐHŸ Zs[V HŸm à`moJ [HŸ`m J`m. ^maVs` [aOd© ~¡§HŸ Zo Zs[V g§àofU HoŸ [bE gm§HoŸ[VHŸ Adb§~ HoŸ ê$n _o§ Cn^mo³Vm _yë` gyMHŸm§HŸ HŸmo AnZm`m h¡. ^maVs` [aOd© ~¡§HŸ Am¡a gaHŸma Zo Z`s _m¡[ÐHŸ Zs[V Tm§Mm AnZmZo hoVw gh_[V ì`º HŸs [Og_o§ ^m.[a.~¡§. Zo bMsbm _wÐmñ\Ÿs[V b[úmV V§Ì AnZm`m. [dÎms` df© 2014-15 HoŸ Xm¡amZ, ^m.[a.~¡§. Zo Cn^mo³Vm _yë` _wÐmñ\Ÿs[V na Ü`mZ Ho§Ÿ[ÐV [HŸ`m Am¡a OZdas 2015 VHŸ Zs[V Xamo§ _o§ HŸmoB© n[adV©Z Zht [HŸ`m. _wÐmñ\Ÿs[V ñVamo§ _o§ gwYma hmoZo na, ^m.[a.~¡§. Zo Mb[Z[Y g_m`moOZ gw[dYm (EbEE\Ÿ) HoŸ AYsZ Zs[V [anmo Xa HŸmo HŸ_ HŸaHoŸ _m¡[ÐHŸ Zs[V _o§ gwYma HŸm g§HoŸV [X`m. ^m.[a.~¡§. Zo gm§[d[YHŸ Mb[Z[Y AZwnmV(EgEbAma) HŸmo ^s 50 AmYma A§HŸ HŸ_ [HŸ`m AWm©V [Zdb _m§J Am¡a _s`mXs Xo`VmAmo§ HoŸ 22.0% go 21.5% VHŸ HŸ_ [HŸ`m. VWm[n, 2014-15 _o§ Zs[V Xa _o§ n[adV©Z HoŸ HŸmaU ~¡§HŸmo§ HŸs O_m Am¡a CYma Xa _o§ HŸmoB© n[adV©Z Zht hwAm.

[nNbo Xmo dfm°© _o§ Kaoby [dHŸmg _o§ _§Xs Am¡a [dœ ~mOma _o§ bJmVma A[Z[íÀmVVmAmo§ HoŸ HŸmaU HŸ_ [Z`m©V, XmoZmo§ HoŸ HŸmaU df© HoŸ Xm¡amZ ~¡§HŸmo§ HŸs AmpñV JwUdÎmm _o§ VZmd HŸm g§HoŸV [XIm`s XoZo bJm. df© HoŸ Xm¡amZ AZwgy[MV dm[UpÁ`HŸ ~¡§HŸmo§ HoŸ HwŸb A[J«_ _o§ go gHŸb J¡a [ZînmXHŸ A[J«_mo§ HoŸ à[VeV _o§ d¥[Õ hwB©. G$U _o§ HŸ_ d¥[Õ Am¡a AXÎm G$Umo§ na A[YHŸ àmdYmZ HoŸ HŸmaU ^s ~¡§HŸmo§ HŸs bm^àXVm na Aga nSm.

X¥pîQHŸmoU

d¡[œHŸ [dHŸmg HŸs g§^mdZmE§ X¥T hmoZo HŸs àË`mem h¡ Am¡a df© 2015 _o§ d¡[œHŸ AW©ì`dñWm _o§ gVV gwYma HŸs ewaAmV HŸs àË`mem h¡. CÝÝmV AW©-ì`dñWmAmo§ _o§ gwX¥T gwYma, CâVs ~mOma AW©-ì`dñWmAmo§ _o§ ~Xbmd, Am¡a DOm© Am¡a nÊ` gm_JŒs HoŸ _yë`mo§ _o§ [JamdQ HoŸ g_W©Z go df© 2015 Am¡a 2016 _o§ d¡[œHŸ [dHŸmg hmoJm. HŸÀMo noQ—mo[b`_ HoŸ A§VamîQ—s` _yë` _o§ [JamdQ HoŸ HŸmaU d¡[œHŸ g_JŒ _m§J _o§ gwYma hmoZo HŸs àË`mem h¡. A§VamîQ—s` _m¡[ÐHŸ [Z[Y Zo AnZo AÚVZ [dœ Am[W©HŸ X¥pîQHŸmoU _o§ 2015 HoŸ [bE 3.5% Am¡a 2016 HoŸ [bE 3.8% d¡[œHŸ [dHŸmg àúmo[nV [HŸ`m h¡. VWm[n, d¡[œHŸ [dHŸmg HoŸ AYmo_wIs Omo[I_ A[YHŸ h¡, Omo à_wIV: CâVs ~mOma AW©-ì`dñWmAmo§ _o§ _§X [dHŸmg Am¡a _wÐm Am¡a nÊ` HoŸ _yë` HoŸ CVma-MTmd HoŸ Ag_mZ à^md HoŸ HŸmaU hmoJm.

Am§V[aHŸ AW©-ì`dñWm _o§, [dHŸmg X¥pîQHŸmoU _o§ gwYma, HŸ_ _wÐmñ\Ÿs[V ñVa Am¡a ~mø úmoÌmo§ _o§ gwYma HoŸ g§HoŸV HoŸ HŸmaU, ì`mnHŸ Am[W©HŸ HŸ_Omo[a`m§ [dÎms` df© 2015-16 HŸs ewéAmV _o§ HŸm\Ÿs HŸ_ hwB© h¡. [dHŸmgesb _m¡[ÐHŸ Zs[V Am¡a Kaoby _m§J n[apñW[V`mo§ _o§ gwYma HoŸ HŸmaU df© 2015-16 _o§ ^maV HoŸ OsSsns [dHŸmg _o§ gwYma HŸs àË`mem h¡. d¡[œHŸ [dHŸmg g§^mdZmAmo§ _o§ àË`m[eV gwYma Am¡a Kaoby Zs[V gwYma nhb ^s OsSsns HoŸ [dHŸmg HoŸ HŸmaHŸ h¡.

df© 2015-16 _o§ IwXam _wÐmñ\Ÿs[V 6% go HŸ_ àúmo[nV h¡, Omo OZdas 2016 Ho$ {ZYm©[aV bú¶ Ho$ ̂ rVa h¡, Omo Zr{V Xam| H$mo H$‘ H$aHo$ ̂ m.[a.~¢. g‘{W©V {dH$mg Ho$ {bE Adga CnbãY H$amVm h¢. _wÐmñ\Ÿs[V _o§ ì`mnHŸ HŸ_s, AZwHyŸb [dVs` ~mOma n[apñW[V`m§ Am¡a [Zdoe HŸmo AmHŸ[f©V HŸaZo HoŸ [bE "‘oH$ BZ B§[S`m' A[^`mZ g[hV ì`mnma n[apñW[V`mo§ _o§ gwYma bmZo hoVw gaHŸma HŸs nhb Kaoby [dHŸmg HŸmo Am¡a ~Tmdm XoJm.

2015-16 _o§ ^maV HŸs AW©ì`dñWm [dœ HŸs g~go loîR AW©-ì`dñWm HoŸ ê$n _o§ CâoJm Am¡a [dœ HŸs VoOs go ~TVs hwB© à_wI ~mOma AW©-ì`dñWm HoŸ ê$n _o§ CâoJm.

df© 2015-16 HoŸ Xm¡amZ d¡[œHŸ AW©-ì`dñWm go An`m©ßV g_W©Z, gm_mÝ` go HŸ_ H¥Ÿ[f [dHŸmg go hmoZodmbo à^md, HŸmnmo©aoQ VwbZ nÌ HŸs HŸ[_`m§, ApñWa én`m Am¡a AW©-ì`dñWm _o§ n`m©ßV ny§Os àdmh AmHŸ[f©V HŸaZm Am[X à_wI MwZ¡[V`m§ hmo§Js.

gHŸmamË_HŸ Kaoby X¥pîQHŸmoU Am¡a AZwHyŸb Zs[V dmVmdaU HoŸ HŸmaU df© 2015-16 HoŸ Xm¡amZ ̂ maVs` ~¡§qHŸJ úmoÌ go AÀNo [ZînmXZ HŸs àË`mem HŸs OmVs h¡.godm úmoÌ _o§ [Za§Va d¥[Õ, Am¡Úmo[JHŸ [dHŸmg _o§ àË`m[eV gwYma, éHŸs hwB© n[a`moOZmAmo§ HŸs _§Oyas, ~OQ _o§ _yb ^yV gw[dYmAmo§ _o§ [Zdoe hoVw gaHŸma Ûmam Kmo[fV `moOZmE§ Am¡a g_JŒ ì`mnma dmVmdaU _o§ gwYma df© 2015-16 HoŸ Xm¡amZ A[YHŸ G$U [dHŸmg _o§ n[aUm[_V hmoJm. ì`mnHŸ A[W©HŸ n[apñW[V`mo§ _o§ gHŸmamË_HŸ [dHŸmg go ~¡§HŸmo§ HŸs AmpñV JwUdÎmm _o§ ^s gwYma Ano[úmV h¡.

gH$mamË‘H$ Xoer ÑpîQ>H$moU VWm AZwHy$b Zr{VJV ‘mhm¡b Ho$ H$maU ̂ maVr¶ ~¢qH$J joÌ ‘| df© 2015-16 ‘| AÀN>m {ZînmXZ H$aZo H$s Cå‘rX h¢.

df© 2014 - 15 HoŸ Xm¡amZ ~¡§HŸ HŸm [ZînmXZ d¡[eîQ²`

ny§Os, Ama[úm[V`m§ VWm [Zdb _yë`

~¡§HŸ HŸs àm[YH¥ŸV ny§Os g§à[V ` 3000 HŸamoS h¡ Omo ` 10/- eoà HoŸ 300 HŸamoS nyU© ê$n go àXÎm eoàmo§ _o§ [d^m[OV h¡. g§à[V, ^maV gaHŸma, ~¡§HŸ HŸs 74.06% B©pŠdQs eoà ny§Os Ym[aV HŸaVs h¡. ~¡§HŸ HŸs HwŸb àXÎm ny§Os ` 859.12 HŸamoS h¡.

df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ Zo Ama[úm[V`m§ Am¡a A[Yeof _o§ ` 271.84 HŸamoS OmoSm h¡ VWm HwŸb Ama[úm[V`m§ Am¡a A[Yeof ` 5300.64 HŸamoS h¡. ~¡§HŸ HŸm [Zdb _yë` ` 5638.93 HŸamoS go ~THŸa Bg df© ` 5923.24 hmo J`m h¡.

HŸm`©HŸmas n[aUm_

df© 2014-15 HoŸ [bE ~¡§HŸ Ûmam XO© [Zdb bm^ 2013-14 HoŸ ` 416 HŸamoS HŸs VwbZm _o§ ` 439 HŸamoS ahm. O_mam[e`mo§ HoŸ g§X^© _o§ O_mAmo§ HŸs Am¡gV bmJV 2013-14 HoŸ 7.98% go KQHŸa 2014-15 _o§ 8.10% hmo JB©. df© 2014-15 HoŸ [bE A[J«_mo§ na AO©Z [nNbo df© HoŸ 11.26 % HŸs VwbZm _o§ 11.34% ahs.

9

~¡§HŸ HoŸ [dÎms` n[aUm_mo§ HŸs àd¥[V`m§ ZsMo Xs JB© Vm[bHŸmAmo§ _o§ Xem©`s JB© h¡ :

(` HŸamoSmo§ _o§)

H«$_ g§.

_X 2013-14 2014-15 dm[f©HŸ d¥[Õ (%)

1. ã`mO Am` 10707 12273 14.64

2. ã`mO IM© 8623 9981 15.74

3. [Zdb ã`mO Am` (1-2) 2084 2292 10.03

4. J¡a ã`mO Am` 710 879 23.80

i. [Zdoemo§ HŸs [~H«$s na bm^ 190 299 57.37

ii. AÝ` J¡a-ã`mO Am` 520 580 11.54

5. [Zdb HwŸb Am` (3+4) 2794 3171 13.49

6. n[aMmbZ IM© 1690 1912 13.14

i. ñQm\Ÿ IM© 1040 1166 12.12

ii. AÝ` n[aMmbZ IM© 650 746 14.77

7. n[aMmbZ bm^ 1104 1259 14.07

8. n[aMmbZ bm^ (IμOmZm bm^ HŸmo NmoSHŸa)

914 960 5.03

9. àmdYmZ Am¡a AmHŸpñ_HŸ IM© 688 820 19.16

10. [Zdb bm^ 416 439 5.65

à_wI bm^àXVm AZwnmV

H«$_ g§.

_X 2013-14 (%)

2014-15 (%)

1 [Z[Y na à[V\Ÿb 9.08 9.15

2 [Z[Y bmJV 7.31 7.44

3 ã`mO [dñVma (1-2) 1.77 1.71

4 A[J«_ na à[V\Ÿb 11.26 11.34

5 O_m bmJV 7.98 8.10

6 [Zdoe na à[V\Ÿb- H«$` bm^ HŸmo NmoSHŸa- H«$` bm^ g[hV

7.227.75

7.508.17

7 Am¡gV HŸm`©HŸmas [Z[Y HŸs VwbZm _o§ AÝ` n[aMmbZ IM©

0.55 0.56

8 bmJV-Am` AZwnmV 60.49 60.30

9 Am¡gV HŸm`©HŸmas [Z[Y HŸs VwbZm _o§ ñWmnZm bmJV

0.88 0.87

bm^m§e

g_J« bm^àXVm HŸs pñW[V na Jm¡a HŸaVo hwE [ZXoeHŸ _ÊSb Zo df© 2014-15 HoŸ [bE à[V eoà ` 1.50 (15%) HŸm bm^m§e Kmo[fV [HŸ`m h¡. df© 2014-15 Ho$ {bE bm^m§e HŸa g[hV B©pŠdQs bm^m§e HŸs Xo` HwŸb am[e ` 155.10 HŸamoS h¡.

O_m g§J«hU

dîm© HoŸ Xm¡amZ ~¢HŸ HŸr HŸmgm O_mam{ím`m§ ~THŸa ` 25721 HŸamoS ahr Omo {nNbo {dËVr` dîm© HoŸ ` 22860 HŸamoS HŸr VwbZm _| 12.52% d¥{Õ h¡. BZ_| go ~MV ~¢HŸ O_mam{ím`m| _| 12% d¥{Õ hwB© h¡ Am¡a Mmby O_mam{ím`m| _| 14% d¥{Õ hwB© h¡. HwŸb O_mam{ím`m| _| HŸmgm n«{VímV ämr {nNbo dîm© HoŸ 18.39% ~THŸa 20.35% ahm. {nNbo {dËVr` dîm© HŸr ` 124296 HŸamoS HŸr VwbZm _| HwŸb O_mam{ím`m§ ` 126343 HŸamoS ahr. dîm© HoŸ Xm¡amZ O_m n«_mÊmnÍm ` 12258 HŸamoS ahm.

HŸ_©Mmar CËnmXHŸVm

31 _mM© 2015 HŸmo g_mßV [dÎms` df© HoŸ [bE à[V HŸ_©Mmas HŸmamo~ma ` 16.56 HŸamoS ahm. ~¢H$ H$m à{V H$‘©Mmar bm^ ‘mM© 2015 H$mo ` 0.03 HŸamoS ahm.

emIm ZoQdH©Ÿ

df© 2014-15 HoŸ Xm¡amZ 109 emImAmo§ HŸmo ImobZo HoŸ gmW HwŸb emImAmo§ HŸm ZoQdH©Ÿ [nNbo [dÎms` df© HoŸ 1512 go 1618 hmo J`m h¡ VWm 3 HŸmnmo©aoQ emImAmo§ HŸm [db`Z [HŸ`m J`m h¡. df© 2014-15 HoŸ A§V VHŸ 49 [dñVma HŸmC§Qa VWm 2 goQbmBQ HŸm`m©b` h¡§. ~¡§HŸ Zo df© 2014-15 HoŸ Xm¡amZ ‘raR> go EHŸ Z`m úmoÌs` HŸm`m©b` ^s Imobm h¡, [Oggo úmoÌs` HŸm`m©b`mo§ HŸs HwŸb g§»`m 27 hwB©.

IwXam F$U

IwXam CYma HŸmo ì`dhm`© HŸmamo~ma àñVmd HoŸ ê$n _o§ XoIm J`m h¡ VWm Omo[I_ \¡Ÿbmd, ~ohVasZ à[V\Ÿb VWm ~Ss _mÌm _o§ F$U _§Oyas O¡go [Z[hV bm^ HoŸ HŸmaU F$U HoŸ [dHŸmg HoŸ [bE Bgo à_wI úmoÌ _mZm OmVm h¡.

df© HoŸ Xm¡amZ ~¡§HŸ Zo IwXam F$U HoŸ AYsZ ` 9065 HŸamoS HŸm g§[dVaU [HŸ`m Am¡a df©-Xa-df© 19.96 % d¥[Õ XO© HŸaHoŸ `Wm _mM© 2015 HŸmo ~HŸm`m am[e ` 18735 HŸamoS ahs. IwXam F$U g§[d^mJ ~¡§HŸ HoŸ gHŸb F$U HŸm 21.36 % ~ZVm h¡.

`Wm 31 _mM© 2015 HŸmo, Amdmg F$U, [eúmm F$U, dmhZ F$U d Am^yfU F$U `moOZmAmo§ HoŸ AYsZ ~HŸm`m am[e H«$_e: ` 6526 HŸamoS, ` 903 HŸamoS, ` 2607 HŸamoS VWm ` 3820 HŸamoS ahs.

df© HoŸ Xm¡amZ ~¡§HŸ Zo J«mhHŸmo§ HŸmo AmHŸf©HŸ bm^ O¡go à^ma H$s Ny>Q> Am{X gw{dYmE§ àXmZ HŸaZodmbo [deof A[^`mZ O¡go "J«m§S \oŸpñQdb HŸm[Z©db' HŸs ewéAmV HŸs.

~¡§HŸ _m¡OyXm CËnmXmo§ HŸmo Z`m ê$n XoHŸa IwXam CYma CËnmXmo§ HŸmo A[YHŸ à[VñnYs© ~ZmZo hoVw [Za§Va à`mg HŸaVm ahm h¡.

~¡§HŸ [deofV: Amdmg F$U J«mhHŸmo§ HoŸ [bE [dO`m Qmn An F$U HŸs ^s ewéAmV HŸs h¡.

~¡§HŸ Zo dV©_mZ ~mOma n[apñW[V`mo§ HŸm AZwgaU HŸaHoŸ Am¡a à[Vñn[Y©`mo§ HoŸ g_Vwë`, AnZo à_wI IwXam CËnmXmo§ HŸmo ^s Z`m ê$n [X`m h¡ Omo úmoÌ

10

HŸm`©HŸVm©Amo§ HŸmo A[YHŸ HŸmamo~ma OwQmZo _o§ ghm`HŸ hmoJs.

~¡§HŸ Zo IwXam F$U AmdoXZmo§ HŸm Am°ZbmBZ Q—¡qHŸJ ^s ewê [HŸ`m h¡ Omo AmdoXHŸ Am¡a emIm VWm úmo.HŸm/à.HŸm Ûmam b§[~V AmdoXZmo§ na [ZJamZs aIZo _o§ _XXJma hmoJs.

F$U [dñVma

~¡§HŸ HŸm HwŸb CYma 6.39 % HŸs d¥[Õ XO© HŸaHoŸ `Wm 31.03.2014 HoŸ ` 82425 HŸamoS go ~THŸa `Wm 31.03.2015 HŸmo ` 87692 HŸamoS ~Z J`m. Am[W©HŸ n[aX¥í` HoŸ [JamdQ HŸmo Ü`mZ _o§ aIHŸa ~¡§HŸ, ~So F$U àñVmdmo§ HoŸ AZw_moXZ _o§ M`ZmË_HŸ ahm.

F$U àñVmdmo§ HŸs Om§M HoŸ [bE ~¡§HŸ Zo àñVmd HŸs àmpßV HoŸ ñVa na hs Xúm g_w[MV gmdYmZs à[H«$`m ~Zm`s h¡ VWm Bg g§~§Y _o§ [dÎms` godmE§ [d^mJ d ^maVs` [aOd© ~¡§HŸ go g_`-g_` na àmßV [Xem[ZXo©emo§ HŸm nmbZ [HŸ`m h¡. [dÎm _§Ìmb` HoŸ _m¡OyXm [Xem [ZXo©emo§ HoŸ AZwgma ~¡§HŸ Zo úmoÌs` HŸm`m©b` d àYmZ HŸm`m©b` ñVa _o§ F$U AZw_moXZ hoVw g[_[V X¥pîQHŸmoU HŸmo AnZm`m h¡. ò g[_[V`m§ Ohm§ VHŸ hmo gHoŸ ~ma§~ma [_bVs h¡§ Vm[HŸ F$U g§~§Ys [ZU©` boZo HoŸ g_` HŸmo HŸ_ [HŸ`m Om gHoŸ. AÀNo _mZHŸ F$U àg§ñHŸaU HŸmo gw[Z[íÀmV HŸaZo hoVw ~¡§HŸ Zo gsE/AmB©gsSãë`yE/gsEg/E_~sE HoŸ ì`mdgm[`HŸmo§ HŸmo ^Vs© HŸaZo HŸs aUZs[V HŸmo Omas aIm.

~¡§HŸ HoŸ F$U [d^mJ HŸmo [~«[Qe ñQ¡S§S© g§ñWmZ(~sEgAmB©) Ûmam gyMZm gwaúmm à~§YZ àUmbs HoŸ [bE AmB©EgAmo/AmB©B©gs 27001:2005 à_mUsHŸsHŸaU go àË`m[`V [HŸ`m J`m.

~mOma àd¥[Îm HoŸ AZwgma, ~¡§HŸ Zo HŸB© ZE CËnmXmo§ H$sŸ ewéAmV HŸs VWm J«mhHŸmo§ HŸs AmdíHŸVmZwgma _m¡OyXm CËnmX ^s n[aîH¥ŸV [HŸE JE.

~So Am¡a _Âmm¡bo HŸm°nmo©aoQ

`Wm 31.03.2015 HŸmo ~So HŸm°nmo©aoQ I§S, HwŸb CYma HŸm 48% ahm. A[YHŸ Ü`mZ Ho§Ÿ[ÐV HŸaZo hoVw VWm àñVmd HŸmo [ZnQmZo HoŸ g_` HŸmo HŸ_ HŸaZo hoVw, [d[^ÝÝm ^m¡Jmo[bHŸ ñWmZmo§ _o§ nm§M [deofsH¥ŸV HŸm°nmo©aoQ ~¡§qHŸJ emImE§ HŸm`© HŸa ahs h¡§. HŸm°nmo©aoQ ~¡§qHŸJ emImAmo§ HoŸ Abmdm ~w[Z`mXs/J¡a-~w[Z`mXs n[a`moOZmAmo§ g[hV J«mhHŸmo§ HŸs g^s HŸm°nmo©aoQ Amdí`HŸVmAmo§ HŸmo nyas HŸaZo HoŸ [bE h¡ 3 Am¡Úmo[JHŸ [dÎm emImE§ HŸm`©aV h¡. BgHoŸ gmW gmW [dÎms`Z _Âmm¡bo HŸm°nmo©aoQ d EgE_B© J«mhHŸmo§ HŸmo CZHoŸ ZHŸX à~§YZ, \Ÿm°aoŠg, IOmZm CËnmX, ì`mnma [dÎm, O_mam[e`m§, IwXam ~¡§qHŸJ, Am[X Amdí`HŸVmAmo§ HŸs ny[V© hoVw ~¡§qHŸJ HŸs EgE_B© emImE§ Xoeâ _o§ HŸm`©aV h¡§.

~¡§HŸ HoŸ HŸmnmo©aoQ/EgE_B©/AmB©E\Ÿ~s ~¡§qHŸJ emImE§ _s`mXs F$U, _m§J F$U, HŸm°nmo©aoQ F$U, Aënmd[Y F$U, HŸm`©HŸmas ny§Os gw[dYmE§ ([Z[Y AmYm[aV + J¡a [Z[Y AmYm[aV) ì`mnma [dÎm CËnmX, [~ŒO F$U, g_yhZ F$U, _yb^yV gw[dYm F$U, [dXoes _wÐm F$U, ^mds n`m©ß` [HŸamE HoŸ à[V F$U, O¡go HŸB© F$U CËnmX d godmE§ àXmZ HŸaZo HoŸ gmW-gmW Am¡a HŸm°nmo©aoQ J«mhHŸmo§ HŸmo CZHŸs Amdí`HŸVmAmo§ HoŸ AmYma na Am¡a ̂ s HŸB© gw[dYmE§ àXmZ

HŸaVs h¡. JV dfmoª _o§ ~¡§HŸ HŸB© ~hw-amîQ—s` Xoes HŸmamo~ma Kamo§ VWm à_wI gmd©O[ZHŸ úmoÌ HŸs H§Ÿn[Z`mo§ HoŸ gmW gwX¥T HŸmamo~ma g§~§Y ñWm[nV HŸaZo _o§ [deof àJ[V HŸs h¡.

~w[Z`mXs gw[dYmAmo§ HoŸ [bE [dÎm

df© HoŸ Xm¡amZ ~¡§HŸ Zo _yb^yV gw[dYm g§dJ© HoŸ AYsZ [~Obs, Xya g§Mma, nÎmZ, gSHŸ Am[X HoŸ [bE ` 7645 HŸamoS [Z[Y AmYm[aV gs_m VWm ` 230.93 HŸamoS J¡a-[Z[Y AmYm[aV gs_mAmo§ HŸs _§Oyas Xs h¡. HwŸb CYma _o§ BZ ~w[Z`mXs gw[dYmAmo§ _o§ h_mam [Zdoe 28.84% h¡ VWm ò [ZYm©[aV úmoÌs` [Zdoe gs_m HoŸ A§VJ©V h¡.

n[a`moOZm [dÎm Ed§ g_yhZ

~¡§HŸ Zo AnZo àYmZ HŸm`m©b`, ~o§Jbya _o§ n[a`moOZm [dÎm VWm g_yhZ HŸúm HŸs ewêAmV HŸs h¡. HŸúm HŸm HŸm`© h¡ n[a`moOZm gyMZm kmnZ HŸs V¡`mas, n[a`moOZm HŸs VHŸZsHŸs Am[W©HŸ ì`dhm`©Vm AÜ``Z VWm CÚ[_`mo§ HŸs F$U Amdí`HŸVmAmo§ hoVw g_yhZ HŸm à~§Y, Am[X. Bg g_yhZ HŸúm _o§ d[aîR HŸm`©nmbHŸ Am¡a nmÌ ì`mdgm[`HŸ g[hV gúm_ l_e[º HŸm`©aV h¡.

IOmZm VWm A§Vam©îQ—s` n[aMmbZ

[Zdoe Ed§ [Z[Y à~§YZ

~¡§HŸ HŸm HwŸb [Zdoe g§[d^mJ 31.03.2014 HoŸ ` 42833.78 HŸamoS (EgEbAma [Zdoe : ` 33319.60 HŸamoS VWm J¡a-EgEbAma [Zdoe : ` 9514.18 HŸamoS) go `Wm 31.03.2015 HŸmo ` 44698.34 HŸamoS (EgEbAma [Zdoe : ` 34933.00 HŸamoS VWm J¡a-EgEbAma [Zdoe : ` 9765.34 HŸamoS) VHŸ ~T J`m.

31.03.2015 HŸmo 10 df© Ý`yZV_ bm^ 7.74% ahm O~[HŸ 31.03.2014 HŸmo 8.81% ahm.

df© HoŸ Xm¡amZ [Zdoe na Am¡gV à[V\Ÿb ([Zdoe HŸs [~H«$s na bm^ Am¡a AmaAmB©SsE\Ÿ g[hV) [dÎms` df© 2013-14 HoŸ 7.75% HoŸ à[V 8.17% ahm.

df© HoŸ Xm¡amZ ~¡§HŸ Zo ^m.[a.~¡§. Ûmam [ZYm©[aV gsAmaAma/EgEbAma AnoúmmAmo§ HŸm ^s bJmVma AZwnmbZ [HŸ`m.

A§Vam©îQ—s` ~¡§qHŸJ

`Wm 31.03.2015 HŸmo ~¡§HŸ HŸm [Z`m©V GU df©-Xa-df© AmYma na 23.79% d¥[Õ Xem©Vo hwE ` 1571.39 HŸamoS ahm. Bg_o§ go, [dXoes _wÐm _o§ [Z`m©V G$U HŸs _mÌm `yEgSs 42.13 [_[b`Z ahm. `Wm _mM© 2015 HŸmo, ~¡§HŸ HŸm [dXoes [d[Z_` HŸmamo~ma nÊ`mdV© [nNbo [dÎms` df© go 0.51 % HŸs dm[f©HŸ d¥[Õ Xem©Vo hwE ` 21172.17 HŸamoS ahm.

~¡§HŸ Zo ^m.[a.~¡§. HŸs B©-[~O n[a`moOZm, BboŠQ—m[ZHŸ SmQm àg§ñHŸaU d [ZJamZs àUmbs HŸm g\ŸbVmnyd©HŸ HŸm`m©Ýd`Z [HŸ`m h¡.

~¡§HŸ HŸs HwŸb EZAmaAmB© O_mam[e`m§ `Wm 31.03.2015 HŸmo 25.03% HŸs d¥[Õ XO© HŸaVo hwE, [nNbo [dÎms` df© HoŸ A§V VHŸ ` 2398.57

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HŸamoS HoŸ à[V ` 2998.96 HŸamoS ahm. [dÎms` df© HoŸ Xm¡amZ, ImSs Xoemo§ go EZAmaAmB© HŸmo ^maV _o§ h_mas [HŸgs ^s emImAmo§ _o§ CZHoŸ ImVmo§ _o§ BboŠQ—m°[ZHŸ ê$n go [Z[Y [dàofU HŸaZo hoVw ~¡§HŸ Zo `yEB© [d[Z_` Ho§ŸÐ EbEbgs, Ab AZgmas [d[Z_` `yEB©, dmb ñQ—sQ EŠgMo§O, `yEB© EÊS Ab ~Xa EŠgMo§O, `yEB© HoŸ [bE ""ñnsS/âb¡e [dàofU'' gw[dYm àXmZ HŸs h¡. BgHoŸ Abmdm, ~¡§HŸ HŸmo ^maV _o§ AZwa[úmV ImVmo§ _o§ én`m ào[fV HŸaZo hoVw Amo_mZ `wZmB©QoS H§ŸnZs EbEbgs, Amo_mZ HoŸ gmW én`m AmhaU ì`dñWm ^s h¡. ~¡§HŸ Ûmam h_mao A[Zdmgs J«mhHŸmo§ HoŸ àíZmo§ HoŸ Odm~ XoZo hoVw à.HŸm., ~o§Jbya _o§ [deof A[Zdmgs J«mhHŸ HŸúm HŸs ñWmnZm HŸs J`s. ~¡§HŸ Zo nm[úmHŸ B©-Ý`yOboQa, [dO`m EZAmaB© SmBOoñQ HŸs ewê$AmV ^s HŸs h¡, [Og_o§ A[Zdm[g`mo§ HŸs é[M HoŸ AZwgma [d[^ÝÝm [df` em[_b [HŸE JE h¡§.

[Z`m©V d Am`mV F$U

~¡§HŸ, Xoes d [dXoes XmoZmo§ _wÐmAmo§ _o§ Am`mVHŸmo§ d [Z`m©VHŸmo§ HŸs [dÎms` Amdí`HŸVmAmo§ HŸmo nyam HŸaZo hoVw g[H«$` ê$n go HŸm`©aV h¡. Xoe HoŸ [d[^ÝÝm ^mJmo§ _o§ HŸm`©aV 47 emImE§ [dXoes [d[Z_` HŸmamo~ma g§^mbZo hoVw nXZm[_V HŸs JB© h¡§.

AmpñV JwUdÎmm

~¡§HŸ ZE [\ŸgbZ HŸmo amoHŸZo VWm bJmVma AmpñV JwUdÎmm ~ZmE aIZo na μOmoa XoVm ahm h¡. Bg [Xem _o§ ~¡§HŸ Zo [d[^ÝÝm Cnm`mo§ HŸmo bmJy [HŸ`m h¡ [Og_o§ go HwŸN Bg àHŸma h¡§ :

· úmsU g§HoŸV Xem©Zodmbo/Xo` am[e _o§ MyHŸ hmoZodmbo ImVmo§ HŸmo nhMmZm J`m Am¡a CÝho§ [deof [ZJamZs ImVo HŸs loUs _o§ aIm J`m. Ohm§ HŸht ^s g§^d Wm Eogs AmpñV`mo§ HŸs nwZgªaMZm HŸs J`s, `mo½` _m_bmo§ _o§ Amdí`HŸVm AmYm[aV A[V[aº F$U gs_mAmo§ na [dMma [HŸ`m J`m Vm[HŸ ZE [\ŸgbZ HŸmo amoHŸm Om gHoŸ. EZnsE _o§ [\ŸgbZ hwE E_EgE_B© ImVmo§ HoŸ g§~§Y _o§ bm^àXVm AÜ``Z [HŸ`m OmZm h¡ VWm Ohm§ HŸht g§^d hmo, [ZYm©[aV g_` gs_m _o§ nmofU na Ü`mZ [X`m OmE.

· EZnsE ImVmo§ HoŸ ì`dpñWV AZwdV©Z hoVw úmo.HŸm. _o§ [deof dgybs HŸúmmo§ HŸm JRZ [HŸ`m J`m. [OZ Ho§ŸÐmo§ _o§ F$U dgybs àm[YHŸaU HŸm`©aV h¡§ dhm§ ZmoSb A[YHŸm[a`mo§ HŸmo nXZm[_V [HŸ`m J`m h¡ Omo _m_bmo§ HoŸ esK« [ZnQmZ hoVw nsRmgsZ VWm ~¡§HŸ HoŸ A[YdŠVm HoŸ gmW [Z`[_V ê$n go g§nH©Ÿ aIVo h¡§.

· BamXVZ MyHŸHŸVm©Amo§ HoŸ _m_bo _o§ à[V^y[VHŸaU O¡go HŸmZyZs [dHŸën g[hV ^m.[a.~¡§. HŸmo Zm_ XoZm Am[X HŸRmoa dgybs Cnm` VËHŸmb HŸaVo h¡§.

· AZO©HŸ F$Umo§ HŸs Ëd[aV dgybs hoVw bmoHŸ AXmbV/SsAmaQs AXmbV HŸs godmE§ bs OmVs h¡.

· úmoÌs` à~§YHŸmo§ HoŸ gmW ds[S`mo HŸmÝ\Ÿao§g HoŸ _mÜ`_ go Ëd[aV

dgybs HoŸ g§~§Y _o§ CÝho§ _mJ©Xe©Z XoVo hwE CÀM à~§YZ Ûmam 10 bmI VWm Cggo A[YHŸ HoŸ g^s EZnsE ImVmo§ HŸs g_súmm HŸaZs h¡.

· Ëd[aV dgybs HŸs gw[dYm hoVw, ~¡§HŸ HŸs dgybs Zs[V HoŸ AYsZ [d[^ÝÝm Ho§ŸÐ _o§ emImAmo§ HoŸ g_yh HoŸ [bE [Z`[_V ên go [dO`m AXmbV HŸm Am`moOZ [HŸ`m OmVm h¡, Ohm§ na ImVmo§ HŸm [ZnQmZ Cgs OJh na [HŸ`m OmVm h¡. df© HoŸ Xm¡amZ 31.03.2015 VHŸ Eogo g_Âmm¡Vo HoŸ O[aE ~¡§HŸ Ûmam 5628 ImVmo§ HoŸ AYsZ ̀ 109.88 HŸamoS HŸs dgybs HŸs J`s.

· XsK©HŸm[bHŸ Q—¡ŠQa F$U EZnsE ImVmo§ HoŸ [bE [deof EHŸ~maJs g_Âmm¡Vm `moOZm HŸs ewê$AmV 01.01.2015 go hwB© VWm `h `moOZm 31.03.2015 VHŸ Mbs.

· EZnsE ñVa HŸmo HŸ_ HŸaZo HoŸ [bE, 01.01.2015 go 31.03.2015 VHŸ HŸs Ad[Y HoŸ [bE EZnsE dgybs A[^`mZ-2015 ewé [HŸ`m J`m.

· HŸ_ _yë` HoŸ EZnsE HŸs Ëd[aV dgybs hoVw, 8 úmoÌ ( HŸZm©QHŸ _o§ 6 VWm AmÝY« àXoe _o§ 2) Ohm§ ~Ss g§»`m HoŸ EZnsE ImVo h¡§, CZ nhMm[ZV HoŸÝÐmo§ _o§, 16 dgybs A[YHŸmas [Z`wº [HŸE JE h¡§. dgybs A[YHŸm[a`mo§ Zo _mM© 2015 VHŸ ` 38.27 HŸamoS HŸs dgybs VWm ` 53.78 HŸamoS HŸm CÝÝm`Z [HŸ`m h¡.

· emImAmo§ HoŸ gmW nam_e© HoŸ gmW, h_Zo ` 10 bmI VWm Cggo A[YHŸ eof HoŸ HwŸb ` 807.37 HŸamoS am[e HoŸ CÞ¶Z [HŸE OmZo `mo½` 769 E’$nrE ImVmo§ HŸmo nhMmZm h¡, [OZHŸm CÝÝm`Z _mM© 2015 VHŸ [HŸ`m HŸm gHŸVm h¡. h_mao [d^mJ Ûmam g§~§[YV emImAmo§ HoŸ gmW gVV ê$n go BZ ImVmo§ HŸs AZwdVs© HŸma©dmB© HŸs JB© h¡§. _mM© 2015 VHŸ ` 608.39 HŸamoS dgyb HŸs JB©/CÞ`Z [HŸ`m J`m.

`Wm _mM© 2015 HŸmo HwŸb A[J«_mo§ HoŸ ~¡§HŸ HŸm gHŸb J¡a-[ZînmXZ AmpñV 2.78 % ahm, O~[HŸ [Zdb A[J«_mo§ go [Zdb EZnsE AZwnmV 1.92% Wm. df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ HŸmo ` 931.42 HŸamoS HŸs HwŸb ZHŸX dgybs hwB© (ã`mO g[hV) VWm ` 931.96 HŸamoS HoŸ EZnsE HŸm CÝÝm`Z [HŸ`m J`m. AmJo, ~¡§HŸ Zo `Wm 31 _mM© 2015 HŸmo ` 71.35 HŸamoS HoŸ ApñWa àmdYmZsHŸaU HoŸ Abmdm AàË`m[eV MyHŸ HoŸ [bE ` 698.40 HŸamoS HŸm àmdYmZsHŸaU ^s [HŸ`m. `Wm _mM© 2015 HŸmo àmdYmZ àmdaU AZwnmV (nsSãë`yAmo g[hV) 64.01% ahm.

Omo[I_ à~§YZ

F$U Omo[I_

~¡§HŸ HoŸ HŸmnmo©aoQ bú` VWm ~¡§HŸ HŸs `moOZm HoŸ AZwê$n ~¡§HŸ HŸs F$U Zs[V VWm G$U Omo{I‘ à~§YZ HŸmo g_`-g_` na g§emo[YV [HŸ`m OmVm h¡ Vm[HŸ AÝ` nhbwAmo§ HŸmo O¡go Omo[I_ HŸs àd¥[Îm, Omo[I_ AmYm[aV _yë`Z,

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Omo[I_ [d[dYsHŸaU/[ZdmaU HŸm`© Zs[V, `Wmo[MV gs_mE§, n`m©ßV F$U gs_mE§, g_yh F$U gs_mE§, aoqQJdma F$U gs_mE§, A[Y_mÝ` úmoÌ d¥[Õ HŸs HŸm`©Zs[V, F$U AZw_moXZ à[H«$`m, àboIZ d gwaúmm _mZHŸ, gwaúmm _yë`m§HŸZ Am[X H$mo em{‘b {H$¶m Om gHo$.

ñQ—og QopñQ§J na ^m.[a.~¡§. HoŸ [Xem[ZXo©emo§ HoŸ AZwên GU g§[d^mJ HŸmo EZnsE _o§ d¥[Õ , nwZgªa[MV _mZHŸ ImVmo§ HŸs [\ŸgbZ, HŸmC§Qa nmQs© aoqQJ _o§ [JamdQ, g§nm[œ©HŸ HŸs HŸ_s, Am[X ñQ—og HoŸ A§VJ©V nasúmUmYsZ HŸaVo hwE, ~¡§HŸ HŸs AmB©gsEEns Zs[V HoŸ AZwgma AY©-dm[f©HŸ AmYma na GU Omo[I_ na ñQ—og QoñQ [HŸ`m OmVm h¡.

~¡§HŸ Zo ì`mnHŸ Omo[I_ aoqQJ/ñHŸmoqaJ àUmbs ~Zm`s h¡ Omo à[Vnúms [d[dY Omo[I_ KQHŸmo§ HŸm EHŸb q~Xw gyMHŸ h¡ VWm pñWa ê$n go F$U [ZU©` boZo HoŸ [bE Cn`moJs h¡. Amdmg d AÝ` IwXam úmoÌmo§ HoŸ [bE AbJ Omo[I_ ñHŸmoqaJ _m°Sb HŸmo ^s V¡`ma [HŸ`m h¡ Vm[HŸ Omo[I_ aoqQJ HŸm`© HŸm A[YHŸV_ àmdaU gw[Z[íÀmV [HŸ`m Om gHoŸ. ` 1.00 HŸamoS go A[YHŸ CYma HoŸ g§~§Y AY©-dm[f©HŸ Vm¡a na A[^J_Z [díbofU [HŸ`m J`m h¡. ~¡§HŸ Zo g^s IwXam d J¡a-IwXam F$U HoŸ Omo[I_ loUsHŸaU HoŸ [bE [gV§~a 2009 go [H«$[gb go n`m©ßV F$U Omo[I_ loUsHŸaU gmâQdoà, Omo ~ogb II g_W©HŸ h¡, HŸs ewê$AmV HŸs h¡. `h gmâQdoà ~¡§HŸ HoŸ g^s àHŸma HoŸ F$U HŸmo _§Oyas go nhbo F$U loUsHŸaU HoŸ AYsZ àmd[aV HŸaVm h¡, Vm[HŸ F$U HŸs JwUdÎmm HŸmo gw[Z[íÀmV [HŸ`m Om gHŸVm h¡ Am¡a gmW hs ~ogb II HoŸ ES²dmÝgS EàmoM HŸm§ßbE§g HŸs Amoa AJ«oga hmo gHo§Ÿ.

AmpñV Xo`Vm à~§YZ (EEbE_) d ~mμOma Omo[I_

~¡§HŸ HoŸ EEbE_ VWm ~mOma Omo[I_ HŸm à~§YZ AmpñV Xo`Vm à~§YZ g[_[V (EEbgsAmo) VWm ~mOma Omo[I_ à~§YZ g[_[V (E_AmaE_gs) Ûmam [HŸ`m OmVm h¡. [d[^ÝÝm gmpå`HŸ I§Smo§ _o§ Ag_mZVmAmo§ HoŸ [bE Cn`wº ghZesb gs_mE§ [ZYm©[aV HŸs J`s h¡§ Vm[HŸ Mb [Z[Y d ã`mO Xa Omo[I_ XmoZmo§ HŸm à~§YZ [HŸ`m Om gHoŸ Am¡a nm{jH$ A§Vamb _o§ BgHŸm AZwdV©Z [HŸ`m OmVm h¡ Am¡a [ZXoeHŸ _§Sb HŸmo AdJV HŸam`m OmVm h¡.

~mOma Omo[I_ F$U Omo[I_ na _yë` (dsEAma), EOsEb (HwŸb A§Va gs_m) VWm Ad[Y A§Va [díbofU O¡go gmYZmo§ go _mn [HŸ`m OmVm h¡. Xoe Omo[I_ HoŸ à~§YZ Am¡a {ZJamZr hoVw g^s Xoemo§ HoŸ [bE EHŸb [Zdoe gs_mE§ [ZYm©[aV [HŸE JE h¡§. IOmZm n[aMmbZ g§~§Ys [_S-Am[\Ÿg [anmoQmoª [Og_o§ AndmXmo§, g_súmmAmo§ VWm AZwnmbZ Am[X g_m[dîQ h¡, HŸmo X¡[ZHŸ AmYma na Omo[I_ à~§YZ [d^mJ HoŸ _hm à~§YHŸ HoŸ g_úm àñVwV [HŸ`m OmVm h¡ Am¡a à[V _mh E_AmaE_gs HoŸ g_úm àñVwV [HŸ`m OmVm h¡.

nyao ã`mO Xa Omo[I_ g§[d^mJ HŸmo Omo[I_ na AO©Z (B©EAma) HoŸ O[aE A[^kßV Am¡a _m[nV [HŸ`m OmVm h¡. esf©ñW à~§YZ Ûmam g§doXZesb [díbofU ^s [HŸ`m OmVm h¡ Am¡a g_súmm ^s HŸs OmVs h¡. AmHŸpñ_HŸVm [Z[Y `moOZm, [ddoHŸnyU© AZwnmV/gs_mE§ ^s [ZYm©[aV [HŸE JE h¡§ Am¡a VabVm Omo[I_ à~§YZ HoŸ A§J HoŸ ên _o§ dmñV[dHŸ pñW[V HŸs ^s [ZJamZs aIs OmVs h¡. ã`mO Xa Omo[I_, VabVm Omo[I_, [dXoes [d[Z_` Am[X

na [d[^ÝÝm n[adoemo§ _o§ [V_mhs AmYma na ñQ—og QoñQ [HŸ`m OmVm h¡ Am¡a EëHŸmo HŸmo AdJV HŸam`m OmVm h¡. Aënmd[Y VabVm na [ZJamZs aIZo HoŸ [bE ~¡§HŸ X¡[ZHŸ Vm¡a na g§aúmUmË_HŸ VabVm HŸs EEbE_ [ddaUs V¡`ma HŸa ahm h¡.

ã`mO Xa _moS na 200 AmYma q~Xw em°HŸ HŸm à`moJ HŸaVo hwE B©pŠdQs (ZoQdW©) na g§^mì` ~mOma _yë` HŸm [ZYm©aU HŸaZo HoŸ [bE Ad[Y A§Vamb [díbofU HŸm AZwnmbZ [HŸ`m OmVm h¡.

~mOma Omo[I_ HoŸ [bE Am§V[aHŸ _m°Sb EàmoM (CÝÝmV X¥pîQHŸmoU) HŸmo bmJy HŸaZo HoŸ [bE ~¡§HŸ Zo ^m.[a.~¡§. go AZw_[V _m§Js h¡.

emIm bm^àXVm HoŸ d¡Ym[ZHŸ [ZYm©aU HoŸ [bE [Z[Y A§VaU _yë`Z Omo A§VaU _yë`Z V§Ì HŸm Z`m V§ÌkmZ h¡, HŸmo [H«$`mpÝdV [HŸ`m J`m h¡.

n[aMmbZmË_HŸ Omo[I_

à^mds T§J go n[aMmbZ Omo[I_ HŸs nhMmZ, à~§YZ VWm [ZnQmZ HŸaZo HoŸ [bE ~¡§HŸ _o§ EHŸ CËV‘ n[aMmbZ Omo[I_ à~§YZ HŸs ê$naoIm h¡. ~¢H$ _o§ _mZHŸsH¥ŸV X¥pîQHŸmoU (QsEgE) HoŸ HŸm`m©Ýd`Z HoŸ [bE ̂ s Amdí`HŸ ê$naoIm ~Zm`s JB© h¡. n[aMmbZ Omo[I_ à~§YZ HŸm [Z`§ÌU n[aMmbZmË_HŸ Omo[I_ à~§YZ g[_[V (AmoAmaE_gs) Ûmam [HŸ`m OmVm h¡, Omo n[aMmbZ Omo[I_ hm[Z g§~§[YV Am§HŸSo, ZE CËnmX, ~¡§HŸ Ûmam AnZmB© JB© à[H«$`m Am¡a àUm[b`mo§ HŸs g_súmm HŸaVm h¡ Am¡a Am§V[aHŸ àUmbs Am¡a à[H«$`mAmo§ HŸmo _O~yV HŸaZo HoŸ [bE gwYmamË_HŸ / [ZdmaHŸ Cnm`mo§ HŸs gwÂmmd àXmZ HŸaVm h¡. n[aMmbZ Omo[I_ HŸmo HŸ_ HŸaZo HoŸ [bE, F$U Am¡a O_m g§[d^mJmo§ _o§ HŸs JB© YmoImYSs HoŸ ~mao _o§ HŸB© [df`JV AÜ¶¶Z Am`mo[OV [HŸE JE Vm[HŸ Omo[I_ à~§YZ X¥pîQHŸmoU go àUmbsJV HŸ[_`mo§ HŸmo nhMmZ gHoŸ. gwYm[aV X¥pîQHŸmoU HŸmo AnZmZo HoŸ H«$_ _o§, ~¡§HŸ Zo Omo[I_ [Z`§ÌU ñd _yë`m§HŸZ (AmagsEgE) Am¡a à_wI Omo[I_ g§HoŸVHŸ (HoŸAmaAmB©Eg) HoŸ [bE ê$naoIm ~ZmB© h¡. g_súmm Ûmam AmagsEgE Am¡a Ho$AmaAmB© HŸmo _O~yV HŸaZo Am¡a n[aMmbZ Omo[I_ HoŸ à~§YZ HoŸ [bE HŸdaoO úmoÌ _o§ gwYma bmZo hoVw ~¡§HŸ Ûmam HŸX_ CRmB© Om ahs h¡§.

_mZHŸsH¥ŸV X¥pîQHŸmoU (QsEgE)) HoŸ AYrZ n[aMmbZmË‘H$ Omo{I‘ ny§Or Ho$ AmH$bZ hoVw ~¡§HŸ H$mo ^maVs` [aOd© ~¡§HŸ go AZw‘{V àmá hB© h¡. (‘mM© 2015 go n¡abb aZ à^mdr)

~ogb && Am¡a ~ogb &&& HŸm AZwnmbZ

My§[HŸ HŸmnmo©aoQ J«mhHŸmo§ HoŸ _m_bo _o§ ^m.[a.~¡§. Ûmam AZw_mo[XV aoqQJ EOopÝg`mo§ HoŸ Omo[I_ loUsHŸaU pñW[V HŸs Amdí`HŸVm hmoVs h¡, ~¡§HŸ Zo g^s N: aoqQJ EOopÝg`mo§ AWm©V [H«$[gb, AmagsAmaE, gsEAmaB©, [~«H$ŸdH©Ÿ, EgE_B©AmaE d [\ŸM HoŸ gmW HŸama [HŸ`m h¡ Vm[HŸ CYmaHŸVm© à[VñnYm©Ë_HŸ Xa na aoqQJ godmE§ àmßV HŸa gHŸVo h¡§ Am¡a ~¡§HŸ HŸmo ^s aoqQJ HŸs pñW[V HoŸ AmYma na HŸ_ ny§Os à^ma HŸm bm^ [_bo. ~¡§HŸ Zo AnZs AmB©gsEEns Zs[V ~ZmB© h¡ VWm Cgo AY©-dm[f©HŸ AmYma na ^maVs` [aOd© ~¡§HŸ HŸmo àñVwV [HŸ`m OmVm h¡.

13

^m.[a.~¡§. [Xem [ZXo©emo§ HoŸ AZwê$n VWm F$U Omo[I_ HoŸ [bE _mZHŸsH¥ŸV X¥pîQHŸmoU, ~mOma Omo[I_ HoŸ [bE _mZHŸsH¥ŸV Ad[Y X¥pîQHŸmoU Am¡a n[aMmbZmË_HŸ Omo[I_ HoŸ [bE _yb g§HoŸVHŸ X¥pîQHŸmoU AnZmVo hwE ~¡§HŸ Zo ~ogb II _mZX§Smo§ HŸm AZwnmbZ [HŸ`m h¡ Am¡a `Wm 31 _mM© 2015 HŸmo g_J« ny§Os n`m©ßVVm AZwnmV 11.70 % ~ZVm h¡ Omo [ZYm©[aV Ý`yZV_ 9% _mZX§S go A[YHŸ h¡. ~¡§HŸ Zo ~ogb III _mZX§Smo§ HŸm AZwnmbZ [HŸ`m h¡; Am¡a `Wm 31 _mM© 2015 HŸmo g_J« ny§Os n`m©ßVVm AZwnmV 11.43 % ~ZVm h¡ Omo [ZYm©[aV Ý`yZV_ 9% _mZX§S go A[YHŸ h¡.

EHŸsH¥ŸV Omo[I_ à~§YZ àUmbs (AmB©AmaE_Eg) n[a`moOZm

~ogb && [Z`_mo§ HoŸ gab VWm à^mds T§J go AZwnmbZ HŸaZo HoŸ CÔoí` go ~¡§HŸ EHŸsH¥ŸV Omo[I_ à~§YZ àUmbs (AmB©AmaE_Eg) HŸm HŸm`m©Ýd`Z HŸa ahm h¡.

[d[eîQ AmB©AmaE_Eg n[a`moOZm _o§ N: g‘mYmZ h¡§ - O¡go F$U Omo[I_ à~§YZ (gsAmaE_); ~mμOma Omo[I_ à~§YZ (E_AmaE_),n[aMmbZ Omo[I_ à~§YZ (AmoAmaE_), F$U Omo[I_ Xa [ZYm©aU g_mYmZ (gsAmaAma) (IwXam d J¡a-IwXam), AmpñV Xo`Vm à~§YZ (EEbE_) VWm [Z[Y A§VaU _yë` [ZYm©aU (E\ŸQsns) g_mYmZ.

AmB©EgAmo-27001 - Omo[I_ à~§YZ [d^mJ HŸmo à_mUsHŸaU

B§\Ÿmo gwaúmm n[ÌHŸm Ûmam gyMZm gwaúmm Am¡a ~sgsns nhb HoŸ [bE h‘mao ~¢H$ Ho$ _w»` gyMZm gwaúmm A[YHŸmar (gsAmB©EgAmo) HŸmo gyMZm gwaúmm _oñQ—mo 2015 nwañHŸma go gå_m[ZV [HŸ`m J`m h¡.

ny§Os n`m©ßVVm

Mmby [dÎms` df© HoŸ Xm¡amZ, ~¡§HŸ Zo g\ŸbVmnyd©HŸ ̀ 500 HŸamoS HŸs A[V[aº [Qà-I ny§Os Am¡a ` 1000 HŸamoS HŸs [Qà-II (~ogb III AZwnmbHŸ) ~m§S OwQm`m h¡. ^maVs` [aOd© ~¡§HŸ HoŸ 9% _mZX§S HoŸ à[V ny§Os n`m©ßVVm AZwnmV ~ogb II _mZX§S HoŸ AYsZ 10.97% (31.03.2014) HŸs VwbZm Zo§ 11.70% (31.03.2015) VHŸ gwYma hwAm VWm ~ogb III _mZX§S HoŸ AYsZ 10.56% (31.03.2014) HŸs VwbZm Zo§ 11.43% (31.03.2015) VHŸ gwYma hwAm. 31.03.2015 HŸmo ~¡§HŸ HŸs [Qà I ny§Os ~ogb II HoŸ AYsZ ` 6423.25 HŸamoS h¡ VWm ~ogb III HoŸ AYsZ ` 6414.63 h¡. ~¡§HŸ HŸs [Qà II ny§Os ~ogb II HoŸ AYsZ ` 2687.81 HŸamoS h¡ VWm ~ogb III HoŸ AYsZ ` 2480.53 ahm. g_J« ny§Os ~ogb II HoŸ AYsZ ` 9111.06 HŸamoS h¡ VWm ~ogb III HoŸ AYsZ ` 8895.16 ahm.

amîQ—s` àmW[_HŸVm

àmW[_HŸVm úmoÌ CYma

~¡§HŸ HŸm HwŸb àmW[_HŸVm úmoÌ A[J«_ _mM© 2015 HoŸ A§V _o§ ` 30714 HŸamoS ahm. ~¡§HŸ HŸm àmW[_HŸVm úmoÌ A[J«_ g_m`mo[OV [Zdb ~¡§HŸ F$U (EEZ~sgs) HŸm 35.97% ahm.

H¥Ÿ[f [dÎm

~¡§HŸ HŸm àË`úm H¥Ÿ[f A[J«_ _mM© 2015 HŸmo ` 7546 HŸamoS ahm. HwŸb H¥Ÿ[f A[J«_ ` 11389 HŸamoS ahm Omo g_m`mo[OV [Zdb ~¡§HŸ F$U HŸm 13.34 % ~ZVm h¡.

df© HoŸ Xm¡amZ ~¡§HŸ Zo "\Ÿm_© hmCg [Z_m©U HoŸ [bE H¥ŸfHŸmo§ HŸmo [dÎms` `moOZm' Zm_HŸ EHŸ [deof F$U `moOZm HŸm àdV©Z [HŸ`m Omo ñdm[_Ëd HoŸ \Ÿm_©/H¥Ÿ[f ^y[_ na VWm H¥Ÿ[f CËnmXZ g§ñWmAmo§ (E\ŸnsAmo) HoŸ [dÎms`Z HoŸ [bE h¡.

H¥Ÿ[f HoŸ [bE g§[dVaU :

[deof H¥Ÿ[f F$U `moOZm HoŸ AYsZ ~¡§HŸ Zo ` 8369 HŸamoS HoŸ bú` HoŸ à[V df© 2014-15 HoŸ Xm¡amZ ` 8442 HŸamoS HŸm g§[dVaU [HŸ`m.

[HŸgmZ H«o$[SQ HŸmS© `moOZm

^m.[a.~¡§./^maV gaHŸma HoŸ _mJ©[ZXo©emo§ HoŸ AZwgma, g§emo[YV dsHoŸgs ̀ moOZm _o§ CËnmX F$U (AënHŸmbsZ \Ÿgb F$U) VWm [Zdoe F$U (gmd[Y F$U) XmoZmo§ HoŸ [bE àmdYmZ h¡. HŸmS© HŸs d¡YVm 5 gmb HoŸ [bE [dñVm[aV [HŸ`m h¡ VWm [hVYmaHŸmo§ HŸmo EQsE_ g_W© [HŸgmZHŸmS© Omas [HŸ`m J`m h¡.

df© 2014-15 HoŸ Xm¡amZ [dO`m [HŸgmZ HŸmS© `moOZm HoŸ AYsZ ~¡§HŸ Zo 73322 [dO`m [HŸgmZ HŸmS© Omas [HŸE VWm ̀ 978 HŸamoS g§[dV[aV [HŸE. `Wm 31.03.2015 HŸmo dsHoŸgs HŸm ~HŸm`m ñVa 135208 ImVmo§ HoŸ O[aE ` 2020 HŸamoS ahm. ~¡§HŸ HoŸ [HŸgmZ HŸmS© A~ éno ßb¡Q\Ÿm_© HoŸ AYsZ EQsE_ g_[W©V h¡§ VWm 97358 n[aMmbZmË_HŸ dsHoŸgs ImVmo§ _o§ go 88362 [HŸgmZmo§ HŸmo EQsE_ g_[W©V [HŸgmZ HŸmS© Omas [HŸE JE h¡§.

gyú_, bKw Am¡a _Âmm¡bo CÚ_mo§ (E_EgE_B©) HŸm [dÎmnmofU

gyú_ Am¡a bKw CÚ_mo§ HŸmo A[J«_ _mM© 2014 HoŸ ` 10690 HŸamoS go ~THŸa _mM© 2015 HŸmo ` 13366 HŸamoS hmo J`m Omo df©-Xa-df© 25% HŸs d¥[Õ Xem©Vm h¡.

15.63 % HŸs df©-Xa-df© d¥[Õ Xem©Vo hwE `Wm _mM© 2014 HŸmo gyú_, bKw Am¡a _Âmm¡bo CÚ_mo§ HŸmo [XE JE A[J«_ ` 13115 HŸamoS go ~THŸa _mM© 2015 _o§ ` 15165 HŸamoS hwE.

E_EgE_B© HoŸ A§VJ©V àñVmdmo§ HoŸ Ëd[aV [ZnQmao HoŸ [bE E_EgE_B© F$U AmdoXZmo§ HŸm Am°ZbmBZ n§OsHŸaU VWm Q—¡qHŸJ nÕ[V CnbãY h¡. AmJo, E_EgE_B© CYmaHŸVm©Amo§ HŸmo Am°ZbmBZ AmdoXZ âZo HoŸ Vwa§V ~mX EgE_Eg AbQ©g Ûmam nmdVs [_bVm h¡.

AmJo F$U AmdoXZmo§ HŸs [ZJamZs d Ëd[aV HŸma©dmB© hoVw Am°ZbmBZ Q—¡qHŸJ nÕ[V HŸs ^s ewéAmV HŸs J`s h¡.

HŸ_μOmoa dJmoª HŸmo A[J«_

_mM© 2015 VHŸ ~¡§HŸ Ûmam HŸ_μOmoa dJmoª HŸmo ~HŸm`m A[J«_ ` 8685 HŸamoS ahm Omo [ZYm©[aV 10% _mZX§S HoŸ à[V EEZ~sgs HŸm 10.17% ~ZVm

14

h¡. HŸ_μOmoa dJmoª HoŸ A[J«_ _mM© 2014 go 20.39 % d¥[Õ Xa Xem©Vo hwE ` 1471 HŸamoS ~T>m.

ñd-ghm` g_yh (EgEMOs)/g§`wº Xo`Vm g_yh (OoEbOs)/gyú_ [dÎm g§ñWmZ (E_E\ŸAmB©)

ñd-ghm` g_yh (EgEMOs)/g§`wº Xo`Vm g_yh (OoEbOs)/gyú_ [dÎm g§ñWmZ (E_E\ŸAmB©) HŸmo A[J«_ XoZo HŸs Amoa ~¡§HŸ Zo àmW[_HŸVm Xs Am¡a BÝho§ ̀ 721 HŸamoS [dV[aV [HŸ`m. ̀ Wm 31.03.2015 HŸmo Bg I§S HoŸ [bE [XE JE A[J«_mo§ HŸm A[VXo`Vm ñVa ` 1115 HŸamoS ahm.

[HŸgmZmo§ HŸs Amdí`HŸVmAmo§ HŸs ny[V© hoVw ^maV gaHŸma HŸs ""^y{‘hrZ [HŸgmZ `moOZm'' HoŸ AYsZ, ~¡§HŸ g§`wº Xo`Vm H¥Ÿ[f g_yhmo§ HŸmo [dÎms` ghm`Vm àXmZ HŸa ahm h¡ Am¡a Eogo 983 OoEb[O`mo§ HŸmo ` 28.35 HŸamoS HŸm [dVaU [HŸ`m J`m h¡.

_[hbm ñd`§ ghm`Vm g_yhmo§ HŸmo A[J«_ XoZo HŸs Amoa [deof _hËd XoVo hwE ~¡§HŸ amîQ—s` J«m_sU AmOs[dHŸm [_eZ (EZAmaEbE_) `moOZm _o§ ~¡§HŸ g[H«$` ê$n go ^mJ bo ahm h¡. àM[bV EgOoEgAmadmB© `moOZm HoŸ ~Xbo ^maV gaHŸma Ûmam amîQ—s` ehas AmOs[dHŸm [_eZ (EZ`yEbE_) `moOZm HŸm àdV©Z [HŸ`m J`m h¡ Am¡a Bg `moOZm HŸmo ^s ~¡§HŸ VËnaVm go bmJy HŸa ahm h¡.

df© 2011-12 d 2012-13 HoŸ ~¡§HŸ HŸmo ""ñd`§ ghm`Vm g_yh/g§`wº Xo`Vm g_yh (EgEMOs/ OoEbOs) qbHoŸO'' HoŸ [bE loîR> [ZînmXZ nwañHŸma go gå_m[ZV [HŸ`m {Ogo Zm~mS©, ~o§Jbya Ûmam {dËVr¶ df© 2014-15 Ho$ Xm¡amZ àXmZ {H$¶m J`m.

_[hbm [hVm[YHŸm[a`mo§ HŸmo F$U

_[hbm [hVm[YHŸm[a`mo§ HŸmo A[J«_ 26.93 % HŸs d¥[Õ Xa Xem©Vo hwE _mM© 2014 HoŸ ` 5072 HŸamoS HŸs VwbZm _o§ _mM© 2015 _o§ ` 6438 HŸamoS ahm. EEZ~sgs HoŸ 5% HoŸ [ZYm©[aV _mZX§S HoŸ à[V ~¡§HŸ HŸs CnbpãY 7.54 % h¡.

AJ«Us ~¡§HŸ `moOZm

h_mao ~¡§HŸ HŸmo HŸZm©QHŸ amÁ` HoŸ 3 [Obmo§ AWm©V _ÊS²æmm, hwãbs Am¡a hmdoas [Obmo§ _o§ AJ«Us ~¡§HŸ HŸs [Oå_oXmas h¡. g^s VsZ [Obmo§ HoŸ AJ«Us [Obm à~§YHŸ g§~§[YV [Obo HŸs g^s ~¡§HŸ emImAmo§ HoŸ gmW g_Ýd` HŸaHoŸ dm[f©HŸ F$U `moOZm, gaHŸma Ûmam àm`mo[OV `moOZm, [dÎms` g_mdoeZ gsYm bm^ A§VaU ̀ moOZm Am[X HoŸ AYsZ bú`mo§ HŸs àmpßV gw[Z[íÀmV HŸaVo h¡§. AJ«Us ~¡§HŸ `moOZm§VJ©V _mM© 2015 HŸmo BZ VsZ [Obmo§ _o§ dm[f©HŸ F$U `moOZm HoŸ μO[aE h_mao ~¡§HŸ HoŸ F$U HŸm [hñgm ` 680 HŸamoS bú` HoŸ à[V ` 725 HŸamoS ahm.

gaHŸma Ûmam àm`mo[OV `moOZmAmo§ HoŸ VhV CYma

~¡§HŸ bJmVma gaHŸma Ûmam àm`mo[OV `moOZmAmo§ HŸmo bmJy HŸaZo HŸmo _hËd

XoVm Am ahm h¡. gaHŸma Ûmam àm`mo[OV [d[^ÝÝm `moOZmAmo§ HoŸ AYsZ ~¡§HŸ HoŸ CYma [ZåZmZwgma h¡:


H«$_ g§.

`moOZmE± [hVm[YHŸm[a`mo§ HŸs g§»`m

_mM© 2015 HŸmo ~HŸm`m F$U am[e

1 nsE_B©Osns 7991 117

2 EZAmaEbE_ 11736 257

AZwgy[MV Om[V/AZwgy[MV OZOm[V HŸmo A[J«_

AZwgy[MV Om[V/AZwgy[MV OZOm[V HŸmo HwŸb A[J«_ _mM© 2014 HoŸ ` 1125 HŸamoS HoŸ à[V 21.51% d¥[Õ Xem©Vo hwE _mM© 2015 _o§ ` 1367 HŸamoS ahm.

Aëng§»`HŸ g_wXm`mo§ HŸmo F$U

_mM© 2015 HŸmo Aëng§»`HŸ g_wXm`mo§ HŸmo [XE JE A[J«_mo§ HŸs am{e ` 4225 HŸamoS h¡ Am¡a `h HwŸb àmW[_HŸVm úmoÌ HoŸ A[J«_mo§ HŸm 13.76% ~ZVm h¡.

[dO`m ~¡§HŸ ñd-amoOJma à[eúmU g§ñWmE§ (dsAmB©~sEgB©QsAmB©)

~¡§HŸ Zo HŸZm©QHŸ amÁ` HoŸ _§S²¶m d hmdoas [Obmo§ _o§ Am¡a _Ü`àXoe amÁ` HoŸ B§Xm¡a _o§ [dO`m ~¡§HŸ ñd-amoOJma à[eúmU g§ñWmAmo§ (dsAmB©~sEgB©QsAmB©) HŸs ñWmnZm HŸs h¡. ò g§ñWmE§ [d[^ÝÝm ì`mdgm[`HŸ à[eúmU/HŸm¡eb CÝÝm`Z/OmJê$HŸVm HŸm`©H«$_mo§ Am¡a CÚ_s [dHŸmg HŸm`©embmE§ Am[X HŸm Am`moOZ HŸa ahs h¡§. df© 2013-14 HoŸ [bE J«m_sU [dHŸmg _§Ìmb` Zo dsAmB©~sEgB©QsAmmB©, _§S²¶m, hmdoas d B§Xm¡a HŸmo "EE' J«oS [X`m h¡.

df© 2014-15 HoŸ Xm¡amZ dsAmB©~sEgB©QsAmB© Ûmam 88 HŸm`©H«$_ Am`mo[OV [HŸE JE [Og_o§ 2392 bm^mWs© à[e[úmV hwE. àma§^ go HwŸb 1343 HŸm`©H«$_ Am`mo[OV [HŸE JE Am¡a 45909 bm^m[W©`mo§ HŸmo à[eúmU [X`m J`m Am¡a g_J« [ZnQmZ Xa 74.88% ahm. 60 à[V^m[J`mo§ HoŸ [bE dsAmB©~sEgB©QsAmB©, _§S²¶m Zo AmHŸmedmUs, _¡gya VWm dsAmaSsE\Ÿ HoŸ gh`moJ go ̂ oS nmbZ (~ÝÝmya [HŸñ_) na à[eúmU HŸm`©H«$_ HŸm Am`moOZ [HŸ`m. [gV§~a, 2014 HoŸ Xm¡amZ h_mao dsAmB©~sEgB©QsAmB©, _§S²¶mZo Am` [Z_m©U J[V[d[Y`mo§ HŸmo AnZmZo hoVw 60 Q—m§gO§Sa ì`[ŠV`mo§ HoŸ [bE [deof à[eúmU HŸm`©H«$_ Am`mo[OV [HŸ`m.

[dO`m J«m_sU [dHŸmg à[VîRmZ (dsAmaS>rE’$)

H¥Ÿ[f àUm[b`mo§ HoŸ AmYw[ZHŸsHŸaU, HŸm¡eb CÝÝm`Z VWm [d[^ÝÝm CÚ_mo§ g§~§Ys kmZ VWm g_J« gm_m[OHŸ - Am[W©HŸ [dHŸmg HoŸ à[V J«m_sU OZVm HoŸ Ü`mZmHŸf©U hoVw, ~¡§HŸ Ûmam df© 1990 _o§ _§Jbya _o§ [dO`m J«m_sU

15

[dHŸmg à[VîRmZ HŸm àdV©Z [HŸ`m. J«m_sU [dHŸmg n[afXmo§ (dsSsgs) HoŸ O[aE, [d[^ÝÝm [df`mo§ na, dsAmaSsE\Ÿ à[eúmU/OmJê$HŸVm HŸm`©H«$_mo§, Am[X [d[^ÝÝm J[V[d[Y`mo§ HŸm Am`moOZ HŸaVm h¡. dV©_mZ _o§, Eogo 33 dsSsgs, dsAmaSsE\Ÿ HoŸ AYsZ HŸm`© HŸa aho h¡§. df© HoŸ Xm¡amZ dsAmaSsE\Ÿ Zo 143 HŸm`©H«$_mo§ HŸm Am`moOZ [HŸ`m [OZ_o§ 10845 ì`[º bm^mpÝdV hwE. J«m_sU [ZY©Z HoŸ bm^mW©, [Z:ewëHŸ ñdmñÏ` H¡§Ÿn HŸm ^s Am`moOZ [HŸ`m J`m. J«m_sU BbmHŸmo§ HoŸ gaHŸmas ñHyŸb HoŸ [ZY©Z _oYmds NmÌmo§ HŸmo NmÌd¥[Îm _§Oya HŸs J`s h¡. à[VîRmZ Zo AnZs J[V[d[Y`mo§ HŸmo AÝ` [Obmo§ O¡go hmdoas, YmadmS Am¡a _§S²¶m _o§ [dñVm[aV [HŸ`m h¡ Ohm§ ~¡§HŸ HŸmo AJ«Us ~¡§HŸ HŸs [Oå_oXmas h¡.

g§gXs` g[_[V HŸm Xm¡am

1) g§gXs` ñWmB© [dÎm g[_[V Zo [XZm§HŸ 19.01.2015 HŸmo Xm¡am [HŸ`m VWm "{dËVr` g_mdoeZ `moOZmE§ Ed§ Cnb{ãY`m§' Am¡a '^maVs` ~¡§qHŸJ úmoÌ-MwZm¡[V`m§ d ^[dî` HŸs amh' na MMm© HŸs.

2) g§gXs` gm_m[OHŸ Ý`m` d geŠVrH$ŸaU ñWmB© g[_[V Zo [XZm§HŸ 27.01.2015 HŸmo Xm¡am [HŸ`m Am¡a A.Om./A.O.Om., A.[n.d., [d[^ÝÝm ê$n go Aeº ì`pŠV`mo§ d Aën g§»`HŸmo§ HoŸ [bE àmW[_HŸVm úmoÌ [dÎm HoŸ ~mao _o§ MMm© HŸs.

[eúmm F$U

~¡§HŸ [eúmm F$U HŸmo ~hwV _hËd XoVm h¡ Š`mo§[HŸ Bgo _mZd ny§Os _o§ [Zdoe HoŸ ên _o§ XoIm J`m h¡. df© HoŸ Xm¡amZ, `h g§[d^mJ [ZUs©V ê$n go `Wm 31.03.2014 HoŸ 760 HŸamoS go ` 143 HŸamoS ~THŸa df©-Xa-df© 19% d¥[Õ Xem©Vo hwE `Wm 31.03.2015 HŸmo 903 HŸamoS HoŸ ñVa VHŸ nhw§Mm.

Š`mo§[HŸ [eúmm F$U amîQ—s` àmW[_HŸVm HŸm [df` h¡, ~¡§HŸ BgHŸmo AmH«$m_HŸ VasHoŸ go [dnUZ HŸaZo _o§ bJm h¡. ~¡§HŸ Zo àdoe g_` na [eúmm F$U A[^`mZ HŸs ^s ewéAmV HŸs. HŸB© Zm_s [eúmm g§ñWmZmo§/_hm[dÚmb`mo§/[dœ[dÚmb`mo§ HoŸ gmW [eúmm F$U àXmZ HŸaZo HoŸ [bE g_Âmm¡Vm kmnZ [HŸ`m. ~¡§HŸ Zo àdoe g_` na HŸB© àXe©[Z`mo§ VWm [e[damo§ _o§ ^mJ [b`m Vm[HŸ NmÌ dJ© HoŸ ~sM [eúmm F$U gw[dYm HŸs CnbãYVm na OmJê$HŸVm bm gHo§Ÿ.

[dÎms` g_mdoeZ

Xoe HoŸ g^s ~¡§HŸa[hV Kamo§ Am¡a n[admamo§ HŸmo ~¡§qHŸJ HoŸ Xmào _o§ bmZo HoŸ CÔoí` go _mZZs` àYmZ _§Ìs Ûmam 28.08.2014 HŸmo àYmZ _§Ìs OZ YZ `moOZm (nsE_OoSsdmB©) HŸs ewéAmV HŸs JB© [OgHoŸ A§VJ©V CÝho§ ~o[gHŸ ~¡§HŸ ImVo, ` 1.00 bmI VHŸ XwK©QZm ~s_m àmdaU g[hV éno HŸmS©, ` 30,000/- HŸm OsdZ ~s_m àmdaU Am¡a ImVo _o§ g§VmofOZHŸ boZXoZ HoŸ AmYma na ` 5000/- VHŸ HŸs AmodaS—mâQ gw[dYm CnbãY HŸam`m OmVm h¡.

h_mam ~¡§HŸ nsE_OoSsdmB© `moOZm _o§ g[H«$` ê$n go ^mJ bo ahm h¡. nsE_

OoSsdmB© HoŸ AYsZ, h_mao ~¡§HŸ HŸmo ~¡§qHŸJ gw[dYmE§ àXmZ HŸaZo hoVw A[Ib ^maVs` AmYma na 1151 Cn godm úmoÌ Am~§[QV [HŸò Jò h¡§ [Og_o§ 3410 Jm§dmo§ Am¡a 432 dmS© em[_b h¡§. h_Zo 289 emImAmo§ Am¡a 827 ~¡§HŸ [_Ìmo§ (~sgsE) HoŸ O[aE BZ Jm§dmo§ HŸmo ~¡§qHŸJ gw[dYmE§ àXmZ HŸs h¡§. ~¡§HŸ Ûmam g^s Am~§[QV EgEgE Am¡a dmSmoª HoŸ Kamo§ HŸm gdo© [HŸ`m J`m Am¡a g^s Kamo§ HŸmo HŸ_ go HŸ_ EHŸ ImVo go àmd[aV [HŸ`m J`m h¡.

h_mao ~¡§HŸ Ûmam nsE_OoSsdmB© HoŸ AYsZ 63.63 HŸamoS HwŸb eof HoŸ 12.19 bmI ~o[gHŸ ~MV ~¡§HŸ O_m ImVo Imobo Jò h¡§ VWm g^s ImVm YmaHŸmo§ HŸmo éno So[~Q HŸmS© CnbãY HŸam`m J`m h¡. 7.27 bmI ImVmo§ _o§ AmYma g§»`m HŸs à[dpîQ HŸs JB© h¡. ~¡§HŸ Ûmam 21 nsE_OoSsdmB© ImVm YmaHŸmo§ HŸmo ` 0.66 bmI am[e HŸs AmodaS—mâQ gw[dYm Xs JB© h¡.

~¡§HŸ Ûmam HŸZm©QHŸ amÁ` HoŸ VsZ [Obmo§ _o§, _§S²¶m, YmadmS Am¡a hmdoas _o§ AJ«Us ~¡§HŸ HŸs [Oå_oXmas h¡. ~¡§HŸ HoŸ g^s VsZ AJ«Us [Obmo§ Zo Kmo[fV [HŸ`m h¡ [HŸ ^maV gaHŸma Ûmam Xs JB© g_`gs_m HoŸ AYsZ g^s Kamo§ HŸmo ~¡§HŸ ImVo go àmd[aV [HŸ`m J`m h¡ Am¡a A^s ImVm ImobZo HoŸ [bE HŸmoB© ^s Ka eof Zht h¡.

[dÎms` gmúmaVm

~¡§HŸ Zo [Obm Am¡a VmbwHŸ ñVa na [dÎms` gmúmaVm Ho§ŸÐ (E\ŸEbgs) HŸmo ñWm[nV VWm à~§YZ HŸaZo HoŸ [bE qg[SHoŸQ ~¡§HŸ HoŸ gmW kmZ Á`mo[V [bQags EÊS H«o$[SQ HŸmC§goqbJ Q—ñQ (OoOoE\ŸEbgsgsQs) HŸm àdV©Z [HŸ`m. h‘mao ~¢H$ Ho$ 3 {Obm ñVa Am¡a 11 VmbwH$ ñVa [dÎms` gmúmaVm Ho§ŸÐ h¡. g^s E\ŸEbgs [Z`[_V ê$n go Jm§dmo§ / ñHyŸbmo§ _o§ gmúmaVm HŸm`©H«$_mo§ HŸm Am`moOZ HŸa aho h¡§.

J«m_sU Am¡a ehas úmoÌmo§ _o§ àYmZ _§Ìs OZ YZ `moOZm na [dÎms` gmúmaVm àXmZ HŸaZo hoVw, ~¡§HŸ Ûmam ImVm ImobZo HŸs [e[da Am¡a AÝ` gmúmaVm HŸm`©H«$_mo§ na àX[e©V HŸaZo HoŸ [bE úmoÌs` ^mfmAmo§ _o§ nsE_OoSsdmB© na Am°[S`mo [\Ÿë_ V¡`ma HŸs JB© h¡. nsE_OoSsdmB© ImVm YmaHŸmo§ HŸmo [dÎms` gmúmaVm àXmZ HŸaZo hoVw emImAmo§ HŸmo úmoÌs` ^mfmAmo§ _o§ [dÎms` gmúmaVm gm_J«s ^s àXmZ JB©.

gsYm bm^ A§VaU

~¡§HŸ Ûmam 1 OZdas 2015 go EbnsOs Cn^moŠVmAmo§ HoŸ ImVmo§ _o§ AmYma g§»`m HŸs à[dpîQ HŸaHoŸ, ^maV gaHŸma HŸm g§emo[YV Ss~sQsEb HŸm`©H«$_ HŸm g[H«$` ê$n go HŸm`m©pÝdV [HŸ`m Om ahm h¡.

ZHŸX A§VaU AZwnmbZ àUmbs HoŸ AYsZ A[YHŸV_ EbnsOs [hVm[YHŸm[a`mo§ HŸmo àmd[aV HŸaZo HoŸ à`mg _o§, YmadmS, hmdoas Am¡a _§S²¶m _o§ h_mao AJ«Us [Obm à~§YHŸ Vob [dnUZ H§Ÿn[Z`mo§ HoŸ gmW g_Ýd` HŸa aho h¡§.

BboŠQ—m[ZHŸ bm^ A§VaU

_§S²¶m [Obo _o§ ~¡§HŸ Zo ''EHŸ [Obm EHŸ ~¡§HŸ'' _m°Sb HoŸ AYsZ EHŸ bmI go A[YHŸ bm^m[W©`mo§ HŸmo HŸmamo~ma g§nH©ŸHŸVm©/hñVYm[aV _esZmo§ HoŸ O[aE

16

HwŸb `$6.20 HŸamoS à[V _hsZo gm_m[OHŸ gwaúmm no§eZ g§[dV[aV HŸa ahm h¡.

gyMZm d àm¡Úmo[JHŸs

HŸmoa ~¡§qHŸJ g_mYmZ d Cg_o§ àJ[V

~¡§HŸ Zo 100% gs~sEg àmßV [HŸ`m h¡ [OgHoŸ \Ÿbñdê$n J«mhHŸmo§ HŸmo HŸht ^s ~¡§qHŸJ, B§QaZoQ ~¡§qHŸJ Am°ZbmBZ boZXoZ Am[X godmE§ CnbãY HŸs OmVs h¡§. 100% gs~sEg HoŸ gmW ~¡§HŸ AnZo J«mhHŸmo§ HŸmo VËHŸmb ~¡§qHŸJ godmE§ àXmZ HŸaZo _o§ gúm_ hmo ahm h¡. 184 ñWmZmo§ na nmg~wHŸ [HŸ`moñHŸ ewé [HŸ`m J`m h¡. ZHŸX O_m [HŸ`moñHŸ 238 OJhmo§ _o§ HŸm`m©pÝdV [HŸ`m J`m h¡. ^maV gaHŸma HŸs gsYm ZHŸX A§VaU n[a`moOZm HoŸ gwMmê HŸm`m©Ýd`Z hoVw AmYma g_W© ^wJVmZ àUmbs HŸm HŸm`m©Ýd`Z [HŸ`m J`m h¡. YmoImY[S`mo§ HŸmo HŸ_ HŸaZo hoVw gs~sEg Cn`moJHŸVm©Amo§ hoVw g^s ñWmZmo§ _o§, ~`mo_o[Q—HŸ EŠgog ewê [HŸ`m J`m h¡.

~¡§HŸ Zo EHŸsH¥ŸV _mZd g§gmYZ à~§YZ àUmbs, EHŸsH¥ŸV IOmZm à~§YZ àUmbs VWm EHŸsH¥ŸV Omo[I_ à~§YZ àUmbs HŸm HŸm`m©Ýd`Z [HŸ`m h¡ VWm Bgo HŸmoa ~¡§qHŸJ àUmbs HoŸ gmW EHŸsH¥ŸV [HŸ`m h¡. _w§~B© _o§ SsAma goQAn ñWm[nV HŸaZo HoŸ Ûmam AmB©QsE_Eg n[a`moOZm HoŸ g^s bú` hm[gb [HŸE Om MwHoŸ h¡§. _w§~B© _o§ SsAma ñWm[nV HŸaZo HoŸ Ûmam EMAmaE_Eg _o§ ^s bJ^J g^s CÔoí` nyao [HŸE Om MwHoŸ h¡§. [dÎms` df© HoŸ A§V VHŸ AmB©AmaE_Eg HoŸ nyU©V… HŸm`m©pÝdV [HŸE OmZo HŸs g§^mdZm h¡.

EQsE_

df© 2014-15 HoŸ Xm¡amZ 59 Am¡a EQsE_ n[aMmbZ _o§ bmE JE [Oggo `Wm _mM© 2015 HŸmo EQsE_ HŸs HwŸb g§»`m 1383 hmo JB©. ~¡§HŸ HoŸ J«mhHŸ Xoe â _o§ Z¡eZb [\ŸZmpÝe`b pñdM (EZE\ŸEg) HoŸ AYsZ HŸZoŠQ [HŸE JE 1,90,000 EQsE_ HŸs godmAmo§ HŸm ^s BñVo_mb HŸa gHŸVo h¡§.

Am§V[aHŸ [Z`§ÌU

~¡§HŸ Zo AmB©Qs d AmB©Eg gwaúmm, BÝQaZoQ ~¡§qHŸJ Zs[V, AmB©Qs IasX Zs[V, B§QaZoQ Cn`moJ Zs[V, B©-_oBb Zs[V, HŸmamo~ma [Za§VaVm Zs[V, [SgmñQa [aHŸdas Zs[V, Am¡Qgmoqg©J Zs[V O¡gs Zs[V`mo§ na XñVmdoμO V¡`ma HŸa [bE h¡§ [Og_o§ HŸB© àHŸma HoŸ úmoÌ ñVa d àemg[ZHŸ ñVa HoŸ HŸm`© em[_b h¡. Bg àHŸma HoŸ àËòHŸ HŸm`moª go OwSo Omo[I_mo§ HŸmo Xya HŸaZo hoVw n`m©ßV [Z`§ÌU ^s V¡`ma [HŸE JE h¡§. df© 2013-14 HoŸ Xm¡amZ AmB©Qs Zs[V d AmB©Eg Zs[V g§emo[YV HŸs J`s. AmB©Eg gwaúmm HoŸ EHŸ ^mJ HoŸ ê$n _o§ KQZm à~§YZ, ôÚVm d noZQ—oeZ QoñQ HoŸ [bE ^s Zs[V`m± V¡`ma HŸs JB© h¡.

ZoQd{Hª$J

~¡§HŸ Zo AnZs g^s emImAmo§ HŸmo [dñVma HŸmC§Qa VWm HŸm`m©b`mo§ HŸmo HŸm°nmo©aoQ d¡Z HoŸ AYsZ OmoSm h¡ VWm emImAmo§ HŸs 100% ZoQd{Hª$J hm[gb HŸs h¡. ~¡§HŸ Zo HŸZopŠQ[dQs ñWm[nV HŸaZo hoVw AÚVZ VHŸZsHŸ O¡go E_nsEbEg, ao[S`mo [\«$Šdo§gs, dsEgEQsEg, gsSsE_E, Am[X HŸm à`moJ [HŸ`m h¡.

AmaQsOsEg Ed§ EZB©E\ŸQs godmE§

g^s emImAmo§ HŸmo HŸmoa ~¡§qHŸJ g_mYmZ HoŸ AYsZ bmZo HoŸ O[aE A~ ~¡§HŸ HoŸ J«mhHŸmo§ HŸmo AmaQsOsEg d EZB©E\ŸQs godmE± g^s emImAmo§ _o§ CnbãY h¡. My±[HŸ EgQsns HŸmo AmaQsOsEg d EZB©E\ŸQs _o§ gúm_ [HŸ`m J`m h¡ Bg[bE J«mhHŸ Vwa§V A§Va ~¡§HŸ d ~¡§HŸ HoŸ A§Xa ^s Vwa§V [Z[Y A§VaU godm HŸm bm^ CRm gHŸVo h¡§.

Ho§ŸÐsH¥ŸV ^wJVmZ àUmbs O¡go [HŸ VËHŸmb gHŸb ^wJVmZ àUmbs (AmaQsOsEg) VWm amîQ—s` BboŠQ—m°[ZHŸ [Z[Y A§VaU (EZB©E\ŸQs) HoŸ [bE g§à[V [g\©Ÿ gsYs gXñ`Vm CnbãY h¡. ^m.[a.~¡§. Zo EZB©E\ŸQs VWm AmaQsOsEg àUm[b`mo§ _o§ ^mJ boZo hoVw Cn-gXñ`Vm _mJ© HŸmo g^s bmBgo§gsH¥ŸV ~¡§HŸmo§ HŸmo [dñVma HŸaZo HŸm [ZU©` [b`m h¡. Cn-gXñ` Ho§ŸÐsH¥ŸV ^wJVmZ àUmbs _o§ AnZo àm`moOHŸ ~¡§HŸ HoŸ O[aE ^mJ bo§Jo, Omo Ho§ŸÐsH¥ŸV ^wJVmZ àUmbs HoŸ gsYo gXñ` h¡§. ~¡§HŸ Zo [eåfm ghHŸmam ~¡§HŸ [Z`[_Vm, _Ôza VWm bmoHŸnmdZs _[hbm ghHŸmas ~¡§HŸ, _§S²¶m HoŸ gmW h_mas AmaQsOsEg/EZB©E\ŸQs godmAmo§ HŸmo Cn-gXñ`mo§ HoŸ ê$n _o§ à`moJ HŸaZo HoŸ [bE ì`dñWm HŸs h¡.

[_ñgS HŸm°b godmE§ (\«$s ~ÁO)

~¡§HŸ, AnZo J«mhHŸmo§ HoŸ [bE [_ñgS HŸm°b godmE§ CnbãY HŸam ahm h¡ [Oggo J«mhHŸ, ImVm eof d bKw [ddaU àmßV HŸa gHŸVo h¡§. eyÝ` à^ma go [_ññS HŸm°b XoZo HŸs gwJ_Vm J«mhHŸmo§ HoŸ [bE ~hwV hs bm^Xm`HŸ h¡.

ds-\Ÿs hmB©d

h_mas BZ-hmCg gm°âQdoà [dHŸmg Qs_ Zo e¡[úmHŸ g§ñWmAmo§ go ewëHŸ g§J«hU, AnmQ©_o§Q Ûmam _m[gHŸ aI-aImd ewëHŸ g§J«hU VWm Šb~mo§ Ûmam ewëHŸ g§J«hU HoŸ [bE EHŸ [deof EpßbHoŸeZ [dHŸ[gV [HŸ`m h¡. Bg_o§ HwŸN [d[eîQVmE§ h¡§ O¡go So[~Q HŸmS©, H«o$[SQ HŸmS© VWm B§QaZoQ ~¡§qHŸJ Am[X AÝ` ^wJVmZ M¡Zb HŸmo EHŸsH¥ŸV [HŸ`m Om gHŸVm h¡. AmB©AmB©E_-HŸmbrHŸQ, Am_r© n{ãbHŸ ñHyŸb-{Xëbr, EZnmo`m HŸm°boO-_§Jbya VÏmm _mC§Q HŸm_o©b HŸmboO-~|Jbya O¡gr n«{V{îRV g§ñÏmmE§ Bg godm HŸm bmäm CRm aho h¢.

ds-B© nmg~wHŸ +:

h_mas BZ-hmCg gm°âQdoà [dHŸmg Qs_ Zo _mo~mBb EpßbHoŸeZ [dHŸ[gV HŸs h¡ [Oggo ImVm [ddaU/boZXoZ [ddaU àmßV [HŸ`m Om gHŸVm h¡. Bg EpßbHoŸeZ _o§ A[V[aº J«mhHŸmoÝ_wI [d[eîQVmE§ h¡§ O¡go àËòHŸ boZXoZ HoŸ [bE [Qßn[U`m§ OmoSZo HŸs gw[dYm, [d[^ÝÝm d¡`[ŠVHŸ ImVm esf© aIZo HŸs gw[dYm VWm EHŸ hs pŠbHŸ go BZ ImVmo§ _o§ nmg~wHŸ boZXoZ OmoSZo HŸs gw[dYm, Am[X. AÚVZ àñVw[V`m§ VWm gyMZmE§ O¡go ~¡§HŸ HŸs ã`mO Xa go `wº n¥îR BgHoŸ O[aE ~¡§HŸ HŸs do~gmBQ _o§ OmZo HŸs gw[dYm VWm [HŸgs XmoñV HŸmo n[aM` HŸamZo HŸs gw[dYm Bg EpßbHoŸeZ _o§ CnbãY h¡. AmZbmBZ na nmgdS© HŸmo asgoQ [HŸ`m OmZm, [dÎms` H¡Ÿbo§Sa ~ZmE aIZm, h_mas emIm/

17

EQsE_ HŸmo nhMmZZm, [hÝXs/HŸÝÝmS ^mfmAmo§ _o§ [ddaU Xem©`m OmZm, Am[X O¡gs AmHŸf©HŸ [deofVmAmo§ HoŸ gmW àM[bV df© HoŸ Xm¡amZ ds-B© nmg~wHŸ+2.00 HŸm Z`m ênm§VaU Omas [HŸ`m J`m. `Wm 31.03.2015 HŸmo `h gw[dYm àmßV HŸaZo hoVw 1,47,694 J«mhHŸmo§ Zo n§OsH¥ŸV [HŸ`m h¡.

MoHŸ Q—§HoŸeZ àUmbs

^maVs` [aOd© ~¡§HŸ HoŸ [ZXoemZwgma h_mao ~¡§HŸ Zo g^s E_AmB©gsAma Ho§ŸÐmo§ HŸmo HŸda HŸaVo hwE CÎmas, X[úmUs d n[íÀm_s [J«S _o§ MoHŸ Q—§HoŸeZ àUmbs HŸm HŸm`m©Ýd`Z [HŸ`m h¡. E_AmB©gsAma Ho§ŸÐmo§ _o§ A§VaU HŸaZo HoŸ ~mX, ^m.[a.~¡§ Zo ~¡§HŸmo§ HŸmo J¡a E_AmB©gsAma Ho§ŸÐmo§ HŸmo A§VaU HŸaZo HŸm [ZXoe [X`m h¡. `Wm 31 _mM© 2015 HŸmo _m¡OyXm J¡a E_AmB©gsAma g_memoYZ HŸs emImE§ 30 ñWmZmo§ _o§ gsQsEg g_memoYZ na g[H«$` h¡§.

gwaúmm n[aMmbZ Ho§ŸÐ

gwaúmm gyMZm d KQZm à~§YZ g_mYmZ (EgAmB©B©E_) Ed§ gh-g§~§Y Qyb g[hV gwaúmm n[aMmbZ Ho§ŸÐ ñWm[nV [HŸ`m J`m Omo AmH«$_U HŸmo [H«$`mË_HŸ ê$n go amoHŸZo/H$‘ HŸaZo _o§ ~¡§HŸ HŸmo _XXJma hmoJm. h_mao ~¡§HŸ Zo gm_mÝ` AmaE\Ÿns HoŸ VhV ^maV gaHŸma HŸs Z`s nhb HoŸ AZwgma gwaúmm n[aMmbZ Ho§ŸÐ HoŸ HŸm`m©Ýd`Z hoVw gmd©O[ZHŸ úmoÌ HoŸ 9 ~¡§HŸmo§ HoŸ [bE gm_mÝ` A[YàmpßV à[H«$`m HŸmo A§[V_ ê$n [X`m h¡ VWm Cº n[a`moOZm g\ŸbVmnyd©HŸ nyU© HŸs JB© h¡.

Am§V[aHŸ [ZasúmU

~¡§HŸ Zo gwn[a^m[fV Am§V[aHŸ boIm nasúmm Zs[V bmJy HŸs h¡. _§Sb HŸs boIm nasúmm g[_[V boIm nasúmm HŸm`© HŸs XoIaoI HŸaVs h¡ VWm gwYma bmZo HoŸ [bE _mJ©Xe©Z XoVs h¡.

df© 2014-15 HoŸ Xm¡amZ 1314 emImAmo§ HŸm Omo[I_ AmYm[aV Am§V[aHŸ boIm nasúmU [HŸ`m J`m VWm boIm nas[úmV emImAmo§ _o§ go 78.84% emImAmo§ HŸmo "H$‘ Omo{I‘' XOm© [X`m J`m. BgHoŸ A[V[aº df© HoŸ Xm¡amZ 12 godm emImAmo§, 27 HŸao§gs MoñQ, 15 AmaEgsnsgs`mo§, 9 E_EgE_B© HŸúmmo§, 17 úmoÌs` HŸm`m©b`mo§ VWm 07 àYmZ HŸm`m©b` HoŸ [d^mJmo§ HŸm [ZasúmU [HŸ`m J`m. ~¡§HŸ HoŸ 82.27% HŸmamo~ma g_dVs© boIm nasúmm HoŸ AYsZ àmd[aV [HŸ`m h¡ O~[HŸ ^m.[a.~¡§HŸ _mZX§S HoŸ AZwgma Ý`yZV_ 50% HŸmamo~ma HŸmo àmd[aV [HŸ`m OmZm h¡.

AnZo J«mhHŸ HŸmo Om[ZE (HoŸdmB©gs), YZ emoYZ [ZdmaUŸ (EE_Eb) VWm AmV§HŸdmX HŸmo [dÎms`Z HŸs amoHŸWm_ (gsE\ŸQs)

~¡§HŸ Zo "AnZo J«mhHŸ HŸmo Om[ZE", " YZ emoYZ [ZdmaUŸ" VWm "AmV§HŸdmX HŸmo [dÎms`Z HŸs amoHŸWm_" na ì`mnHŸ Zs[V ~ZmB© h¡ Am¡a úmoÌ ñVa HoŸ HŸm`©HŸVm©Amo§ HoŸ [bE Amdí`HŸ VHŸZsHŸs ghm`Vm hoVw à.HŸm.pñWV HoŸdmB©gs HŸúm Ûmam BgHŸm HŸm`m©Ýd`Z [HŸ`m OmVm h¡. HoŸdmB©gs _mZX§Smo§, EE_Eb _mJ©[ZXo©emo§ VWm gsE\ŸQs à[H«$`m HoŸ HŸm`m©Ýd`Z HoŸ [bE úmoÌs`

HŸm`©HŸVm©Amo§ HŸmo Amdí`HŸ AZwXoe [XE JE h¡§, Omo ^m.[a.~¡§., ^maV gaHŸma VWm ^m.~¡§.g§. VWm AÝ` [Z`m_HŸ àm[YHŸma HoŸ AZwXoemo§ HoŸ AmYma na g_`-g_` na AÚVZ/g§emo[YV [HŸE OmVo h¡§. CÀM ñVa _o§ `h gw[Z[íMV [HŸ`m OmVm h¡ [HŸ HoŸdmB©gs _mZX§S HoŸ AZwXoe d AÝ` _mJ©[ZXo©e gÀMs ^mdZm go HŸm`m©pÝdV [HŸE Om aho h¡§.

[ZJamZs [HŸE JE A[YHŸ _yë` HoŸ boZXoZ KmofUm [HŸE JE HŸmamo~ma / ì¶dgm¶ HoŸ AZwê$n hmo. Amdí`HŸ AbQ© g¥[OV HŸaZo hoVw EE_bm°HŸ gm°âQdoà HŸm [Z`moOZ [HŸ`m J`m h¡. ZHŸX boZXoZ {anmoQ© (grQ>rAma), g§XohOZHŸ boZXoZ [anmoQ© (EgQsAma) VWm Ombs HŸao§gs [anmoQ© (gsgsAma), H«$mg ~mS©a dmà A§VaU (gs~sSãë`yQr) VWm A[YHŸ _yë` HoŸ J¡a-bm^mO©Z g§ñWmAmo§ HoŸ ZHŸX boZXoZmo§ HŸmo [ZYm©[aV Amd[YHŸVm _o§ E\ŸAmB©`y-AmB©EZSs HŸmo ào[fV [HŸE OmVo h¡§. `yEZ Ûmam CnbãY HŸam`s J`s AmV§HŸdmXs`mo§ HŸs gyMs go J«mhHŸmo§ HoŸ Zm_ HŸm [_bmZ HŸaZo HoŸ [bE EHŸ [gñQ_ ghm`Vm CnbãY HŸam`s J`s h¡, Omo Am§VHŸdm[X`mo§ VWm g§~Õ gËd HoŸ ImVmo§ HŸmo Z ImobZo _o§ ghm`Vm HŸaVs h¡.

Am§V[aHŸ [ZasúmHŸmo§, g_dVs© boImnasúmHŸmo§, gV©HŸVm [ZasúmHŸmo§ VWm HŸm`©nmbHŸmo§ Ûmam emIm [ZasúmU HoŸ Xm¡amZ HoŸdmB©gs _mZX§Smo§ VWm EE_Eb _mJ©[ZXo©emo§ HoŸ HŸm`m©Ýd`Z HŸs Om±M HŸs OmVs h¡. ~¡§HŸ Ûmam àñVm[dV h¡ [HŸ HoŸdmB©gs/EE_Eb Om§M Ho$ {bE J«mhH$ O¡go AÝ¶ ì¶p³V¶m| H$m ^r à¶moJ ‘| bm¶m OmEJm.

Am°\ŸgmBQ [ZJamZs `y[ZQ (AmoE_`y)

{Za§Va AmYma na AndmXñdê$n boZXoZmo§ na [ZJamZs aIZo HoŸ [bE VWm _hËdnyU© _Xmo§ na à~§YZ gyMZm àUmbs HŸs [anmoQ© ~ZmZo hoVw ~¡§HŸ _o§ Am°\ŸgmBQ [ZJamZs HŸúm J[RV [HŸ`m J`m. Cƒ, _Ü`_ VWm HŸ_ Omo[I_ loUr _o§ dJs©H¥ŸV HŸs JB© [anmoQmoª HŸm [díbofU [HŸ`m OmVm h¡ VWm Amdí`HŸ HŸma©dmB© ewé HŸs OmVr h¡. à^mds AZwdVs© HŸma©dmB© VWm à[Vnw[îQ hoVw g^s úmoÌs` HŸm`m©b`mo§ _o§ ZmoSb A[YHŸm[a`mo§ HŸmo nhMmZm J`m. _hËdnyU©Vm VWm [ZJamZs HŸs Amdí`HŸVmAmo§ HoŸ AmYma na, ~ZmB© OmZodmbs VWm [ZJamZs HŸs OmZodmbs [anmoQmoª HŸm EHŸ goQ ~¡§HŸ Ûmam nhMm[ZV h¡. AmoE_`y ã`mO HŸm n{aHŸbZ, g§gmÜmZ n«ämma HŸr dgybr, Am{X O¡go _w»` ímV© d {Z~§ÜmZm| HoŸ AZwnmbZ HoŸ g§~§Üm _| G$Êm _§Oyar HŸr Om§M/d¡ÜmrHŸaÊm, amOñd {agmd HŸm nVm bJmZm VÏmm SoQm Šbr{Z§J HŸm`© ämr HŸaVm h¡.

YmoImYSs [ZJamZs HŸúm : ~¡§HŸ _o§ EHŸ ñdV§Ì YmoImYSs [ZJamZs HŸúm h¡, Omo dJs©HŸaU Am¡a àñVwVsHŸaU go g§~§[YV ^maVs` [aOd© ~¡§HŸ HoŸ [Xem[ZXo©emo§ HoŸ AZwgma HŸm`© HŸaVm h¡. [dÎms` df© HoŸ Xm¡amZ ` 329 HŸamoS _yë` HoŸ 36 YmoImYSs HoŸ _m_bm| HŸm nVm bJm¶m J¶m. g^s YmoImYSs HoŸ _m_bmo§ HŸs NmZ~sZ ì`dpñWV ê$n go HŸs JB© VWm HŸm`©àUmbs Ed§ nÕ[V HoŸ AZwgma [díbo[fV [HŸE JE VWm g_` na [Z`m_HŸ àm[YHŸm[a`mo§ HŸmo àñVwV [HŸE OmVo h¡§.

g^s YmoImYSs HoŸ _m_bmo§ HoŸ g§~§Y _o§ nwbsg/gs~sAmB© _wHŸX_m XO© [HŸE OmVo h¡§. ` 1 bmI go A[YHŸ _yë` HoŸ YmoImYSs HoŸ _m_bo _§Sb

18

HoŸ gå_wI àñVwV [HŸE OmVo h¡§ VWm _§Sb HoŸ AZwXoe/[Xem[ZXo©e HŸm H$m¶m©Ýd¶Z [HŸ`m OmVm h¡. ~So _yë` HoŸ YmoImYSs`mo§ HŸs g_súmm Amd[YHŸ A§Vamb na _§Sb HŸs [deof g[_[V HoŸ gå_wI àñVwV HŸs OmVs h¡. g^s YmoImYSs HoŸ _m_bmo§ _o§ ZdsZV_ pñW[V/àJ[V HoŸ g§~§Y _o§ Ì¡_m[gHŸ AmYma na ^m.[a.~¡§ HŸmo [anmoQ© HŸaZs h¡. YmoImYSs hoVw HŸmo[ee [HŸE JE _m_bmo§ HoŸ g§~§Y _o§ ^m.[a.~¡§. HoŸ [Xem[ZXo©emo§ HŸm nmbZ HŸaZm h¡. YmoImYSs amoHŸWm_ HoŸ Cnm` VWm àUmbs _o§ gwYma na Amd[YHŸ [Xem[ZXo©e/AZwXoe Omas [HŸE OmVo h¡§.

gVH©ŸVm

àYmZ HŸm`m©b` _o§ ~¡§HŸ HoŸ gVH©ŸVm [d^mJ HŸs AÜ`úmVm _hm à~§YHŸ ñVa HoŸ _w»` gVH©ŸVm A[YHŸmas HŸa aho h¡§ Omo ^maVs` ñQoQ ~¡§HŸ go à[V[Z`w[º na h¡. gVH©ŸVm [d^mJ, ~¡§HŸ HŸm gmam gVH©ŸVm HŸm`© Ho§ŸÐs` gVH©ŸVm Am`moJ Ûmam [ZYm©[aV _mJ©[ZXo©emo§ HoŸ AZwê$n HŸaVm h¡. BgHoŸ A[V[aº , gVH©ŸVm [d^mJ [ZdmaHŸ gVH©ŸVm Cnm` HoŸ ê$n _o§ emImAmo§ Am¡a {Z¶§ÌH$ H$m¶m©b¶m| HŸm AmHŸpñ_HŸ [ZasúmU ^s HŸaVm h¡. ò úmoÌs` HŸm`m©b`mo§ _o§ pñWV úmoÌs` gVH©ŸVm A[YHŸm[a`mo§ Ûmam [HŸE OmVo h¡§. EHŸ hs àHŸma HŸs YmoImY[S`mo§ HŸmo ~ma-~ma hmoZo go amoHŸZo Am¡a [ZdmaHŸ gVH©ŸVm Cnm`mo§ HŸmo geº ~ZmZo HoŸ [bE _m¡OyXm àUmbs _o§ HŸ[_`mo§ HŸmo hQmZo HoŸ g^s à`mg [HŸE OmVo h¡§.

AZwnmbZ

_§Sb AZw_mo[XV AZwnmbZ Zs[V, ^maVs` [aμOd© ~¡§HŸ HoŸ _m¡OyXm [Xem[ZXo©emZwgma Ano[úmV h¡ VWm VXZwgma ~¡§HŸ Zo AZwnmbZ Zs[V AnZm`s h¡. AZwnmbZ [d^mJ, à.HŸm. gw[Z[íÀmV HŸaVm h¡ [HŸ àYmZ HŸm`m©b` _o§ ^maV gaHŸma, ^m.[a.~¡§., ^m.~¡§.g§. VWm Xygamo§ go àmßV [d[^ÝÝm g§àofU HŸm AZwnmbZ [HŸ`m OmVm h¡ [OgHoŸ [bE g§~§[YV n[aMmbZmË_HŸ [d^mJmo§ HŸmo Ano[úmV HŸma©dmB© HoŸ [bE Eogo g^s g§àofU ôOo OmVo h¡§. AZwnmbZ [d^mJ HŸs AÜ`úmVm _w»` AZwnmbZ A[YHŸmas HŸa aho h¡§ Omo _hm à~§YHŸ ñVa HoŸ h¡.

gyMZm HŸm A[YHŸma A[Y[Z`_ - 2005

^maV gaHŸma Zo gyMZm HŸm A[YHŸma A[Y[Z`_, 2005 HŸmo A[Y[Z`[_V [HŸ`m Omo 12 AŠVy~a 2005 HŸmo bmJy hwAm. `h A[Y[Z`_ àËòHŸ ZmJ[aHŸ HŸmo gmd©O[ZHŸ àm[YHŸm[a`mo§ HoŸ [Z`§ÌUmYsZ gyMZm nmZo/nhw§MZo HŸm hHŸ àXmZ HŸaVm h¡. àemgZ _o§ VWm Bggo g§~§[YV `m àmg§[JHŸ _m_bo _o§ IwbmnZ, nmaX[e©Vm VWm Odm~Xohs bmZm hs BgHŸm CÔoí` h¡.

~¡§HŸ Zo gyMZm HŸm A[YHŸma A[Y[Z`_, 2005 HoŸ VhV g^s emIm à~§YHŸmo§ HŸmo ghm`HŸ OZ gyMZm A[YHŸmas, g^s 27 úmoÌs` HŸm`m©b`mo§ HŸs Xygas n§[º HoŸ HŸm`©nmbHŸmo§ HŸmo gmd©O[ZHŸ gyMZm A[YHŸmas VWm úmoÌs` à~§YHŸmo§ HŸmo Ansb àm[YHŸm[a`mo§ HoŸ ê$n _o§ nXZm[_V [HŸ`m h¡. à.HŸm. _o§ Cn _hm à~§YHŸ HŸmo OZ gyMZm A[YHŸmas VWm _hm à~§YHŸ HŸmo Ansb àm[YHŸmas HoŸ ê$n _o§ nXZm[_V [HŸ`m h¡. g_J« ~¡§HŸ _o§, gyMZm HoŸ A[YHŸma A[Y[Z`_ 2005

HoŸ VhV 28 HŸm`m©b`mo§ HŸmo OZ gyMZm A[YHŸmas VWm Ansb A[YHŸmas CnbãY HŸamE JE h¡§.

gyMZm HŸm A[YHŸma A[Y[Z`_, 2015 HoŸ A§VJ©V _m§Js J`s gyMZm [ZYm©[aV g_` gs_m HoŸ A§Xa àñVwV HŸs OmVs h¡. df© 2014-15 HoŸ Xm¡amZ, Bg gyMZm HoŸ A[YHŸma A[Y[Z`_ HoŸ A§VJ©V ~¡§HŸ HŸmo 995 AmdoXZ d 133 Ansb àmßV d [ZnQmE JE.

gwaúmm ì`dñWm

~¡§HŸ HŸs g§JRZmË_HŸ g§aMZm HoŸ A§VJ©V A[YHŸmamo§ d [Oå_oXm[a`mo§ HŸm ñnîQ àË`m`moOZ `wº , gwg§ñWm[nV gwaúmm ì`dñWm ~¡§HŸ _o§ _m¡OyX h¡. [d^mJ Ûmam g^s _wÐmHŸmofmo§ VWom ~¡§HŸ emImAmo§ HŸs gwaúmm ì`dñWmAmo§ HŸs g_súmm [Z`[_V AmYma na HŸs OmVs h¡, Š`mo§[HŸ J[Vesb dmVmdaU _o§ ZE IVao Câ gHŸVo h¡§ Omo [d[^ÝÝm gwnwX©Js Ho§ŸÐmo§ HoŸ [bE ZB© MwZm¡[V`m§ ~Z gHŸVs h¡§. ~¡§HŸ gwaúmm HŸmo _O~yV ~Zm`m J`m h¡ Vm[HŸ dh A[YHŸ à^mds, AmYw[ZHŸ Am¡a ~mYma[hV gwaúmm àUmbs hmo gHoŸ. ^m.[a.~¡§./^m.~¡§.g§. HoŸ [Xem[ZXo©emZwgma bJ^J g^s emImAmo§ _o§ g^s Oêas VWm A[Zdm`© gwaúmm ì`dñWm HŸs J`s h¡. gwa[úmV Ed§ âmogo_§X ~¡§qHŸJ gw[Z[íÀmV HŸaZo hoVw g^s emImAmo§ _o§ [gŠ`w[a[Q Abm_© [gñQ_ Am¡a gsgsQsds [ZJamZs àUmbs CnbãY HŸam`m J`m h¡. gwaúmm HŸs X¥pîQ go ôÚ HoŸ ê$n _o§ dJs©H¥ŸV emImAmo§ HŸmo HŸm`© g_` HoŸ Xm¡amZ geó gwaúmm JmS© CnbãY HŸamò Jò h¡§.

úmoÌs` gwaúmm A[YHŸmas [dÚ_mZ gwaúmm ì`dñWmAmo§ HŸm _yë`m§HŸZ HŸaZo VWm BZ ì`dñWmAmo§ HŸmo _O~yVs àXmZ HŸaZo HoŸ Cnm`mo§ na gwÂmmd XoZo HoŸ [bE [Z`[_V AmYma na emIm [ZasúmU HŸaVo h¡§. úmoÌs` gwaúmm A[YHŸmas HŸmZyZ ì`dñWm bmJy HŸaZo dmbs EoOpÝg`mo§ HoŸ gmW [ZHŸQ g§nH©Ÿ ~ZmE aIVo h¡§. dV©_mZ gwaúmm n[aX¥í` _o§ Z`s MwZm¡[V`mo§ HŸm gm_Zm HŸaZo hoVw ~¡§HŸ _o§ gwaúmm ì`dñWmAmo§ HŸm AZdaV Vm¡a na gwX¥T [HŸ`m J`m h¡.

^m.[a.~¡§. _mJ©[ZXo©emZwgma, ~¡§HŸ HoŸ g^s _wÐmHŸmofmo§ _o§ EŠgog HŸÝQ—mob [gñQ_ _O~yV ~Zm`s J`s h¡, g^s ZHŸX n[aMmbZ gsgsQsds [ZJamZs HoŸ AYsZ [HŸò Om aho h¡§. gwaúmm A[YHŸmas / [ZasúmU A[YHŸmas Ûmam _wÐmHŸmofmo§ HoŸ Xm¡ao HoŸ Xm¡amZ gsgsQsds \wŸQoO HŸs g_súmm HŸaZm A[Zdm`© ~Zm`m J`m h¡. _wÐmHŸmofmo§ HoŸ [VOmoas HŸúm _o§ àdoe HŸaZodmbo / go ~mha OmZodmbo àËòHŸ ì`[º HŸm à^mds Am¡a AMyHŸ VasHoŸ go Vbmes bs OmVs h¡. EŠgog [Z`§ÌU Cnm`mo§ HŸmo geº ~ZmZo hoVw ~¡§HŸ HŸs g^s _wÐm HŸmofmo§ _o§ ~`mo_o[Q—HŸ EŠgog [Z`§ÌU àUmbs g§ñWm[nV HŸs J`s h¡.

_wÐmHŸmof/emImAmo§ _o§ [Z`mo[OV geó gwaúmm JmSmoª HŸmo, dm[f©HŸ AmYma na \ŸmBqaJ Aä`mg g[hV à[eúmU [X`m OmVm h¡. gwaúmm A[YHŸm[a`mo§ HoŸ [bE dm[f©HŸ Vm¡a na nwZíÀm`m© à[eúmU HŸm`©embm HŸm ^s Am`moOZ [HŸ`m OmVm h¡. úmoÌs` HŸm`m©b` Ed§ àYmZ HŸm`m©b` _o§ J[RV gwaúmm g[_[V àËòHŸ gwnwX©Js Ho§ŸÐ HŸs ôÚVm HŸs g_súmm d AmHŸbZ HŸaZo VWm emImAmo§/ _wÐmHŸmofmo§ Am¡a EQsE_ gmBQmo§ _o§ gwaúmm ì`dñWmAmo§ HŸmo A[YHŸ geº ~ZmZo hoVw g[H«$` HŸX_ CRmZo HoŸ [bE Amd[YHŸ Vm¡a na [_bVs h¡.

19

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HŸmo Ü`mZ _o§ aIVo hwE nmR²æmH«$_ HŸmo nwZ: V¡`ma [HŸ`m J`m h¡. ~¡§HŸ AnZo HŸ_©Mm[a`mo§ HŸmo HwŸN à[VpîRV ~mø à[eúmU g§ñWmZmo§ HoŸ _mÜ`_ go HwŸN [deofsH¥ŸV úmoÌ O¡go F$U, \Ÿm°aoŠg, IOmZm à~§YZ, Omo[I_ à~§YZ, _mZd g§gmYZ, [dnUZ Am[X _o§ ^s à[eúmU [Xbdm ahm h¡. Bg [dÎms` df© HoŸ Xm¡amZ ~¡§HŸ Zo 9579 HŸ_©Mm[a`mo§ HŸmo à[eúmU [Xbm`m Omo [HŸ HwŸb HŸ_©Mm[a`mo§ HŸm 70.34% ~ZVm h¡. BZ_o§ go 8291 HŸ_©Mm[a`mo§ HŸmo ~¡§HŸ HŸs AnZs g§ñWmAmo§ _o§ à[eúmU [Xbm`m J`m, 1288 HŸmo g_wÐnmas` g§ñWmAmo§ g[hV à[VpîRV ~mø à[eúmU g§ñWmAmo§ _o§ à[eúmU [Xbm`m J`m.

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AZwgy[MV Om[V/AZwgy[MV OZOm[V HŸúm

A.Om./A.O.Om. HŸúm g^s 27 úmoÌs` HŸm`m©b`mo§ _o§ HŸm`© HŸa aho h¡§ VWm A.Om./A.O.Om. HoŸ d[aîR A[YHŸmas HŸmo g§nH©Ÿ A[YHŸmas HoŸ ê$n _o§ nXZm[_V [HŸ`m J`m h¡. n«YmZ HŸm`m©b` _o§ A.Om./A.O.Om. HŸúm _w»` g§nH©Ÿ A[YHŸmas HoŸ AYsZ HŸm`©aV h¡.

A.Om./A.O.Om. HŸ_©Mm[a`mo§ HŸs [eHŸm`Vmo§ na [dMma HŸaHoŸ CZ na Vwa§V [ZdmaHŸ HŸma©dmB© HŸs OmVs h¡. _w»` g§nH©Ÿ A[YHŸmas A.Om./A.O.Om. HŸ_©Mmas HŸë`mU g§K d CZHoŸ à[V[Z[Y`mo§ HŸmo àYmZ HŸm`m©b` _o§ [_bVo h¡§ VWm `[X HwŸN _m_bo hmo Vmo à.HŸm. HoŸ g§~§[YV [d^mJ HŸmo [ZdmaU hoVw ôO XoVo h¡§. Bgs àHŸma úmoÌs` à_wI/g§nH©Ÿ A[YHŸmas úmoÌs` HŸm`m©b` ñVa na [eHŸm`Vmo§ HŸm [ZdmaU HŸaVo h¡§.

AmJo ~¡§HŸ HoŸ à~§Y [ZXoeHŸ Ed§ gsB©Amo Am¡a A.Om./A.O.Om. à[V[Z[Y`mo§ HoŸ ~sM [V_mhs ~¡RHŸ [Z`[_V Vm¡a na gaHŸma HoŸ _mJ©[ZXo©emo§ HoŸ AZwgma Am`mo[OV HŸs OmVs h¡. BZ ~¡RHŸmo§ _o§, A.Om./A.O.Om. HŸ_©Mm[a`mo§ go g§~§[YV `[X HŸmoB© [eHŸm`V hmo Vmo, A.Om./A.O.Om. HŸë`mU g§K HoŸ à[V[Z[Y`mo§ HoŸ gmW [dMma [d_e© [HŸ`m OmVm h¡ VWm [ZnQm`m OmVm h¡. g^s Aä`mdoXZmo§ HŸmo EHŸ a[OñQa _o§ à[dpîQ HŸs OmVs h¡ VWm àËòHŸ Aä`mdoXZ na HŸs J`s HŸma©dmB© ^s XO© HŸs OmVs h¡. a[OñQa HŸmo g_`-g_` na _w»` g§nH©Ÿ A[YHŸmas Ûmam [ZasúmU [HŸ`m OmVm h¡.

Bgs àHŸma g^s 27 úmoÌs` HŸm`m©b`mo§ d àYmZ HŸm`m©b` _o§ A.[n.d. HoŸ [bE _w»` g§nH©Ÿ A[YHŸmas HoŸ AYsZ, AbJ go A.[n.d. HŸúm HŸm`©aV h¡.

~¡§HŸ [Z`[_V Vm¡a go A.Om/A.O.Om. d A.[n.d. HoŸ [bE( AWm©V AYsZñW HŸ_©Mmas,[b[nHŸ VWm doVZ_mZ III VHŸ HoŸ A[YHŸm[a`mo§ HoŸ [bE) nXmoÝÝm[V-nyd© à[eúmU HŸs ì`dñWm HŸaVm h¡.

h_mam ~¡§HŸ A.Om/A.O.Om., A.[n.d. d Aën g§»`HŸ g_wXm` HoŸ HŸ_©Mm[a`mo§ HoŸ [bE ̂ maV gaHŸma HŸs g^s AmaúmU Zs[V HŸm AZwnmbZ HŸa ahm h¡ [Og_o§ emas[aHŸ ên go Agúm_ ì`[º ^s em[_b h¡§.

20

ñQm\Ÿ g§~§Y

~¡§HŸ Ûmam ì`dhm`© Ed§ _mZds` X¥pîQHŸmoU aIZo HoŸ HŸmaU ~¡§HŸ HŸmo gHŸmamË_HŸ n[aUm_ àmßV hwE Am¡a ~¡§HŸ à~§YZ VWm ~¡§HŸ HoŸ HŸ_©Mm[a`mo§ HoŸ gm_y[hHŸ à`mgmo§ go ~¡§HŸ bJmVma àJ[Vesb d¥[Õ [XIm ahm h¡. dmVmdaU gHŸmamË_HŸ h¡ VWm BgHŸm n[aUm_ _mM© 2015 HŸmo g_mßV [dÎms` df© HoŸ Xm¡amZ ~¡§HŸ HŸs [Za§Va d¥[Õ HoŸ ê$n _o§ n[ab[úmV hwB©. ~¡§HŸ _o§ Am¡Úmo[JHŸ g§~§Y gm¡hmX©nyU© VWm ñZohnyU© ahm. df© HoŸ Xm¡amZ HŸ_©Mm[a`mo§ Ûmam ~¡§HŸ go g§~§[YV _wÔmo§ HoŸ [bE HŸmoB© Am§XmobZ AWdm AempÝV Zht ahs. HŸ_©Mm[a`mo§ HŸs [eHŸm`Vmo§ HŸm [ZdmaU HŸaZo VWm [ddmX, `[X HŸmoB©, HŸmo gm¡hmX©nyU© VasHoŸ go Xya HŸaZo HoŸ CÔoí` go _mÝ`Vm àmßV `y[Z`Zmo§ HoŸ à[V[Z[Y`mo§ HoŸ gmW [Z`[_V A§Vambmo§ na gbmhHŸma g[_[V ~¡RHŸ VWm g_Âmm¡Vm g[_[V ~¡RHo§Ÿ Am`mo[OV HŸs OmVs h¡ VWm BZ ~¡RHŸmo§ _o§ ~¡§HŸ HoŸ esf© HŸm`©nmbHŸ CnpñWV hmoVo h¡§ .

IobHyŸX J[V[d[Y`m§

~¡§HŸ HŸs IobHyŸX Qs_mo§ Zo df© 2014-15 HoŸ Xm¡amZ CËH¥ŸîQ [ZînmXZ Xem©`m h¡. h_mao ~¡§HŸ HŸs ~m°ñHoŸQ~m°b Qs_ Zo no[a`HwŸb_,V[_bZmSw _o§ Am`mo[OV A[Ib ̂ maVs` ~m°ñHoŸQ~m°b QyZm©_o§Q OsVm. Qs_ Zo HŸZm©QHŸ amÁ` ~mñHoŸQ~mb Agmo[gòeZ Ûmam Am`mo[OV [d»`mV Agmo[gòeZ HŸn VWm ñQoQ gs[Zà [S[dOZ bsJ ^s OsVm. a[gSo§gs amoS, ~¡§Jbya emIm _o§ HŸm`©aV ls. AaqdX E. HŸmo JwSJm§d _o§ Am`mo[OV B§[S`Z ~mñHoŸQ~m°b Qs_ HoŸ [ànaoeZ H¡§Ÿn HoŸ [bE MwZm J`m. ~¡§HŸ HŸs ~m°ñHoŸQ~mb Qs_ HoŸ Mma gXñ`, ls AaqdX.E., ls A[Zb HwŸ_ma.~s.HoŸ., ls amOoe Cßna Am¡a ls.am°~s Wm_g d[aîR amîQ—s` ~m°ñHoŸQ~m°b M¡åns`Z[en Am¡a 35 dt amîQ—s` Joåg _o§ HŸZmQ©HŸ HŸm à[V[Z[YËd HŸaZo hoVw MwZo JE.

~¡§HŸ HŸs [H«$HoŸQ Qs_ Zo MoÝÝm¡ d HŸmoÀMs _o§ H«$_e: Am`mo[OV A[Ib ̂ maVs` dmB©EggsE [H«$HoŸQ QyZ©_o§Q Am¡a A[Ib ^maVs` ~snsgsEb HŸmoÀMs [a\ŸmBZasO [H«$HoŸQ QyZ©_o§Q _o§ [ÛVs` ñWmZ hm[gb [HŸ`m . HŸmoÀMs _o§ Am`mo[OV QyZ©_o§Q _o§ ls. _whå_X Añb_ E.ns.,[b[nHŸ, em§[VZJa emIm HŸmo loîR ~ëbo~mO Kmo[fV [HŸ`m J`m. h_mao ~¡§HŸ HŸs [H«$HoŸQ Qs_ HoŸ gXñ` ls. Ama.[dZ` HwŸ_ma HŸZm©QHŸ aUOs Qs_ HŸm dV©_mZ HŸßVmZ h¡, [OgZo bJmVma Xygas ~ma aUOs Q—m°\Ÿs QyZ©_o§Q OsVm h¡. ls. gs.E_.Jm¡V_, ghm`HŸ à~§YHŸ, em§[VZJa emIm Omo HŸZm©QHŸ aUOs Qs_ HŸm Cn HŸßVmZ ^s h¡, Qs_ HŸm A[^ÝÝm A§J h¡. ls.[Z`mO [Zgma,[b[nHŸ, EZ.Ama.amoS emIm Zo df© 2014-15 _o§ aUOs Q—m°\Ÿs _o§ HoŸab HŸm à[V[Z[YËd [HŸ`m.

~¡§HŸ HŸs HŸã~Ès Qs_ Zo ̂ s CËH¥ŸîQ [ZînmXZ Xem©`m. HŸã~Ès Qs_ Zo HŸmoaQJoao, Jybya, AmZoHŸb, _§Jbya Am¡a HŸH©Ÿbm _o§ Am`mo[OV 5 amÁ` ñVa HŸã~Ss QyZm©_o§Q OsVm. ~¡§HŸ HŸs HŸã~Ès Qs_ Zo _wYmob, HŸZm©QHŸ _o§ Am`mo[OV A[Ib ^maVs` HŸã~Ss QyZm©_o§Q Am¡a ho~JmoSs,HŸZm©QHŸ _o§ Am`mo[OV amÁ` ñVa HŸã~Ès QyZm©_o§Q _o§ Xygam ñWmZ àmßV [HŸ`m. ls.goëdamOZ Ama., godm emIm, ls. àem§V a¡, B§[XamZJa emIm, ls.gwHoŸe ho½So, EME Eb Vsgam ñQoO Am¡a

ls. HŸsVs©.EM.Eg, ZmJßnm ãbm°HŸ emIm h_mas Qs_ HoŸ HwŸN ñQma [IbmSs Wo. ls.gwHoŸe ho½So Zo \wŸHoŸQ,WmB©b¡§S _o§ Am`mo[OV ~sM HŸã~Ès M¡åns`Z[en _o§ ^maV HŸm à[V[Z[YËd [HŸ`m.

ñQm\Ÿ HŸë`mU Cnm`

Am[W©HŸ HŸm`© [d^mJ, [dÎm _§Ìmb`, ^maV gaHŸma HoŸ [ZXoemo§ HoŸ AZwgma [Zdb bm^ HoŸ 3%, A[YHŸV_ `15.00 HŸamoS VHŸ HŸs am[e HŸmo ~¡§HŸ HoŸ HŸ_©Mm[a`mo§ HoŸ HŸë`mU hoVw Am~§[QV [HŸ`m OmZm h¡.

~¡§HŸ _o§ [d[^ÝÝm ñQm\Ÿ HŸë`mU `moOZmE§ h¡§ O¡go

1. H¡§ŸQsZ AZwXmZ

2. g_mMma nÌ à[Vny[V©

3. dm[f©HŸ ñdmñÏ` Om§M

4. à.HŸm. VWm E_.Eg.Ama. ZJa, ~¢Jbya _o§ pñWV ñdmñÏ` Šbs[ZHŸ

5. A[Yd[f©Vm na godm[Zd¥Îm HŸ_©Mm[a`mo§ HŸmo dm[f©HŸ [M[HŸËgm ghm`Vm

6. aOV O`§Vs nwañHŸma àXmZ HŸaZm

7. ñQm\Ÿ gXñ`mo§ HoŸ à[V^membs ~ÀMmo§ HoŸ [bE ZHŸX àmoËgmhZ

8. ds-e[º , ds-gw~mo[YZs, ds-àJ[V HoŸ AYsZ ~m[bHŸmAmo§ HoŸ [bE ` 5,000.00 HŸs NmÌd¥[Îm àXmZ HŸaZm

9. J«yn _o[SŠbo_ B§í`yao§g

[dO`m ~¡§HŸ ñQm\Ÿ HŸë`mU [Z[Y Ý`mg

[dO`m ~¡§HŸ ñQm\Ÿ HŸë`mU [Z[Y Ý`mg HŸmo df© 21.09.2002 go J[RV [HŸ`m h¡:

ñQm\Ÿ HŸë`mU [Z[Y Ý`mg HoŸ AYsZ ~¡§HŸ HŸs HŸB© `moOZmE§ h¡§ O¡go

1. HŸ_©Mm[a`mo§ HoŸ ~ÀMmo§ HŸmo NmÌd¥[Îm XoZm

2. AñnVmbsHŸaU ì`` HoŸ Xmdo HoŸ eof ì`` HŸs à[Vny[V©

3. Mí_o HoŸ ì`` HŸs à[Vny[V©

4. _¥V HŸ_©Mmas HoŸ Am[lVmo§ HŸmo A§[V_ g§ñHŸma ì``

5. A[Yd[f©Vm na godm[Zd¥Îm hwE HŸ_©Mm[a`mo§ HŸmo àmoËgmhZ am[e XoZm

6. _mZ[gHŸ ê$n go Aúm_ /ñnmpñQHŸ ~ÀMmo§ HoŸ _mVm-[nVm, Omo h_mao HŸ_©Mmas h¡, CZHŸmo ghm`Vm/NmÌd¥[Îm CnbãY HŸamZo hoVw `moOZm

7. emas[aHŸ ê$n go Aúm_ HŸ_©Mm[a`mo§/CZHoŸ ~ÀMmo§ HŸmo H¥Ÿ[Ì_ A§J /ldU CnHŸaU/~¡gmIs Am[X CnbãY HŸamZo hoVw `moOZm

8. Jmodm, XmaOsqbJ, [e_bm, [Vén[V, ~o§Jbya, _¡gya, D Qs, [Xëbs d _§w~B© _o§ hm°[bSo hmo_.

21

~¡§HŸ, n[adma HŸë`mU `moOZm ^s Mbm ahm h¡ [OgHoŸ AYsZ `moOZm HoŸ gXñ`mo§ go EHŸ[ÌV am[e _¥VHŸ ñQm\Ÿ gXñ` HoŸ n[adma HoŸ gXñ`mo§ (Zm[_[V`mo§) HŸmo [dV[aV HŸs OmVs h¡.

_mZd g§gmYZ à~§YZ àUmbs

Ëd[aV [ZU©` boZo HŸs à[H«$`m VWm HŸ_©Mm[a`mo§ go g§~§[YV Ìw[Q_wº SmQm HoŸ à~§YZ HŸmo gwMmê ~ZmZo hoVw àYmZ HŸm`m©b` HoŸ Ho§ŸÐsH¥ŸV ñWmZ _o§ ~¡§HŸ Zo EMAmaE_Eg (nsnbgm°âQ) gm°âQdoà HŸmo HŸm`m©pÝdV [HŸ`m h¡.

EMAmaE_Eg gm°âQdoà _o§, bm^mo§ HŸm àemgZ, no-amob VWm à[eúmU g[hV HŸB© _mZd g§gmYZ HŸm`© HŸmo EHŸ hs n¡HoŸO _o§ EHŸsH¥ŸV [HŸ`m J`m h¡.

Am§V[aHŸ [eHŸm`V g[_[V

HŸm`©ñWmZ na _[hbmAmo§ HŸm `m¡Z CËnsSZ (amoHŸWm_, [ZfoY, [ZdmaU) A[Y[Z`_, 2013 (AmJo Bgo A[Y[Z`_ HŸhm OmEJm) bmJy hmo J`m h¡ Am¡a Bgo ^maV HoŸ amOnÌ _o§ AgmYmaU, ^mJ &&, AZw^mJ & [X. 23.04.2013 _o§ 2013 HoŸ A[Y[Z`_ g§ 14 HoŸ ê$n _o§ àHŸm[eV [HŸ`m J`m h¡.

`h A[Y[Z`_, HŸm`©ñWmZ na _[hbmAmo§ HŸm `m¡Z CËnsSZ HoŸ à[V gwaúmm CnbãY HŸamZo VWm `m¡Z CËnsSZ HoŸ _m_bmo§ go g§~§Ys [eHŸm`Vmo§ HoŸ amoHŸWm_ d [ZdmaU VWm Bg g§~§Ys `m AmZwf§[JHŸ _m_bmo§ HoŸ [bE h¡.

Cº A[Y[Z`_ HŸs Ymam 4 HoŸ AZwnmbZ HoŸ AZwê$n, ~¡§HŸ Ûmam HŸm`©ñWmZ na qbJ ̂ oX VWm ̀ m¡Z CËnsSZ go g§~§[YV ñQm\Ÿ gXñ`mo§ go àmßV [eHŸm`Vmo§ HŸmo [ZnQmZo hoVw àYmZ HŸm`m©b` Am¡a úmoÌs` HŸm`m©b` _o§ Am§V[aHŸ [eHŸm`V g[_[V HŸm JRZ [HŸ`m J`m h¡.

àYmZ HŸm`m©b` _o§ J[RV Am§V[aHŸ [eHŸm`V g[_[V _o§ [ZåZ gXñ` h¡§:

1. ls_Vs [Z_©bm lsYa, _hm à~§YHŸ - AÜ`úm

2. ls_Vs HŸ_bmúms ho½mSo, _w.à. - gXñ`

3. ls H¥ŸîÊm HwŸ_ma, _w.à. - gXñ`

4. ls_Vs ^mZw_Vs am_gm_s, à~§YHŸ - gXñ`

5. ls_Vs g§Xsnm _wëbV, à~§YHŸ - gXñ`

6. ls_Vs JsVm _oZZ - EZOsAmo - gXñ`

Cº A[Y[Z`_ HŸs Ymam 22 _o§ [ZYm©[aV [HŸ`m J`m h¡ [HŸ [Z`moOHŸ Ûmam Bg A[Y[Z`_ HoŸ AYsZ \ŸmBb [HŸE JE _m_bo, `[X hmo Am¡a [ZnQmò Jò _m_bmo§ HŸs g§»`m HŸmo AnZs dm[f©HŸ [anmoQ© _o§ em[_b [HŸ`m OmZm h¡.

Ho§ŸÐ gaHŸma Zo ^s Bg A[Y[Z`_ HoŸ VhV àXÎm AnZs e[ŠV`mo§ HŸm à`moJ HŸaVo hwE HŸm`©ñWmZ na _[hbmAmo§ HŸm `m¡Z CËnsSZ (amoHŸWm_, [ZfoY, [ZdmaU) [Z`_, 2013 V¡`ma HŸs h¡. [Z`_ 14 HoŸ AYsZ [Z`moOHŸ HŸmo dm[f©HŸ [anmoQ© HŸs V¡`mas HŸaVo g_` [ZåZ gyMZm em[_b HŸs OmZs h¡:

HŸ. df© HoŸ Xm¡amZ àmßV `m¡Z CËnsSZ HŸs [eHŸm`Vmo§ HŸs g§»`m

»m. df© HoŸ Xm¡amZ [ZnQmB© JB© [eHŸm`Vmo§ HŸs g§»`m

J. 90 [XZmo§ go A[YHŸ b§[~V _m_bmo§ HŸs g§»`m

¿m. `m¡Z CËnsSZmo§ HoŸ à[V OmJê$HŸVm hoVw Am`mo[OV HŸm`©embm `m HŸm`©H«$_mo§ HŸs g§»`m

L. [Z`moOHŸ Ûmam bs JB© HŸma©dmB© HŸs àH¥Ÿ[Îm

VXZwgma, g[_[V Ûmam Aà¡b 2014 go _mM© 2015 VHŸ àmßV [eHŸm`Vmo§ HŸm [ddaU ZsMo g§b½Z h¡.

H«$_ g§ df© HoŸ Xm¡amZ àmßV `m¡Z CËnsSZ HŸs [eHŸm`Vmo§ HŸs

g§»`m

df© HoŸ Xm¡amZ [ZnQmò JE [eHŸm`Vmo§ HŸs

g§»`m

90 [XZmo§ go A[YHŸ b§[~V _m_bmo§ HŸs

g§»`m

`m¡Z CËnsSZ HoŸ à[V OmJê$HŸVm n¡Xm HŸaZo hoVw Am`mo[OV HŸm`©embm `m HŸm`©H«$_

[Z`moºm `m [Obm A[YHŸmas Ûmam bs JB© HŸma©dmB© HŸs àH¥Ÿ[V

1 7 6 eyÝ`

(1 b§[~V h¡ > 90 [XZ)

2

_[hbm emIm à~§YHŸmo§ HoŸ [bE [deof HŸm`©H«$_ _[hbm HŸ_©Mm[a`mo§ HoŸ [bE [deof HŸm`©H«$_

gXZ© B§[S`m ~¡§HŸ, EgQsgs, ~¡§Jbya _o§ Am`mo[OV

58 _[hbm A[YHŸm[a`mo§ Zo ^mJ [b`m

6 _m_bmo§ _o§ go -

4 _m_bmo§ HŸmo gm¡hmX©nyU© T§J go [ZnQm`m J`m.

2 _m_bmo§ HŸmo HŸm[_©HŸ [d^mJ (Am¡.g§.[d) HŸmo Bg _m_bo _o§ C[MV HŸma©dmB© boZo hoVw [Z[X©îQ [HŸ`m J`m.

22

AÝ` godmE§

ì`mnmas ~¡§qHŸJ d ghm`HŸ J[V[d[Y`m§

~¡§HŸ, ì`mnmas ~¡§qHŸJ J[V[d[Y`m§ O¡go loUs & ì`mnmas ~¡§HŸa, [ZJ©_ ~¡§HŸa, [S~o§Ma Q—ñQs, [ZúmonmJma ^mJsXmas HoŸ [bE ^maVs` à[V^y[V Am¡a [d[Z_` ~moS© (go~s) go n§OsH¥ŸV h¡. ãbmHŸ HŸs J`s am[e Ûmam g_[W©V EpßbHoŸeZmo§ (EEg~sE) HoŸ AYsZ Omas AmB©nsAmo/A[YHŸma ñdsH¥ŸV HŸaZo HoŸ [bE "ñd à_m[UV qg[SHoŸQ ~¡§HŸ' HoŸ ê$n _o§ ^s ~¡§HŸ n§OsH¥ŸV h¡.

~¡§HŸ, ã`mO/bm^m§e/HŸm°nmo©aoQmo§ HoŸ YZdmngs AmXoemo§ HoŸ ^wJVmZ HoŸ [bE ^wJVmZ ~¡§HŸa HŸm HŸm`© ^s HŸaVm h¡. ~¡§HŸ AnZo J«mhHŸmo§ HŸmo O_m [Zúmons godmE§ VWm Am°Z-bmBZ Q—oqSJ ^s àXmZ HŸaVm h¡.

gaHŸmas HŸmamo~ma

[d[^ÝÝm gaHŸmas HŸmamo~ma HoŸ AYsZ ~¡§HŸ AnZs 276 emImAmo§ _o§ àË`úm HŸa H$s dgybr H$a ahm h¡. ~¡§HŸ Zo ds-ZoQ ~¡§qHŸJ HoŸ O[aE AnZo g^s J«mhHŸmo§ HoŸ [bE AnZs g^s emImAmo§ _o§ gs~sSsQs d gs~sB©gs HoŸ HŸamo§ HŸm Am°ZbmBZ ^wJVmZ ewê [HŸ`m h¡. ~¡§HŸ HŸs 888 emImE§ bmoHŸ ^[dî` [Z[Y ImVo ImobZo HoŸ [bE nXZm[_V h¡§. BgHoŸ Abmdm, g^s emImE§ Ho§ŸÐs` [g[db, aúmm, Qo[bHŸm°_ no§eZ VWm HŸZm©QHŸ, Am§Y« àXoe, HoŸab d 4 _oQ—mo ehamo§ HoŸ amÁ` no§eZ g§[dV[aV HŸaZo HoŸ [bE àm[YH¥ŸV h¡. Ho§ŸÐ gaHŸma no§eZamo§ HŸs no§eZ HŸm Ho§ŸÐsH¥ŸV ^wJVmZ HŸaZo HoŸ [bE à.HŸm. _o§ Ho§ŸÐsH¥ŸV no§eZ g§gmYZ HŸúm ñWm[nV [HŸ`m J`m h¡. EZnsEg ñdmdb§~Z `moOZm HoŸ AYsZ A§eXmZ ñdsH¥ŸV HŸaZo hoVw 1487 emImAmo§ HŸmo EZnsEg-bmBQ g§J«hU Ho§ŸÐ (Eb-gsgs) HoŸ ê$n _o§ nXZm[_V [HŸ`m J`m h¡.

EbAmB©gs HoŸ gmW HŸm°nmo©aoQ EOo§gs

J«mhHŸmo§ HŸs OsdZ ~s_m Amdí`HŸVmAmo§ HoŸ [bE ~¡§HŸ Zo ̂ maVs` OsdZ ~s_m [ZJ_ HoŸ gmW HŸm°nmo©aoQ EOo§gs ì`dñWm HŸs h¡.

`yAmB©AmB©gs HoŸ gmW HŸmnmo©aoQ EOo§gs

J«mhHŸmo§ HŸs J¡a-OsdZ ~s_m Amdí`HŸVmAmo§ HŸs ny[V© HoŸ [bE ~¡§HŸ Zo `yZmBQoS B§[S`m B§í`yao§g H§ŸnZs [b. HoŸ gmW HŸmnmo©aoQ EOoÝgs HŸama [HŸ`m h¡.

CYmaHŸVm©Amo§ HoŸ [bE g_yh ~s_m HŸdaoO

~¡§HŸ Zo d¡`[ŠVHŸ CYmaHŸVm©Amo§ HoŸ gm_y[hHŸ HŸdaoO hoVw _ogg© ~OmO Abm`Ýg [b. HoŸ gmW ì`dñWm HŸs h¡.

[Z[Y A§VaU godmE§ (na§namJV VWm Am°ZbmBZ)

~¡§HŸ, [Z[Y A§VaU godmAmo§ HoŸ [bE _ZsJ«m_ VWm EŠgàog _Zs HŸm g~-EOo§Q h¡. _ZsJ«m_ HoŸ AYsZ, ~¡§HŸ HŸs `yEB© [d[Z_` d [dÎms` godmE§ VWm Wm°_g HwŸHŸ (B§[S`m) [b. XmoZmo§ HoŸ gmW QmB-An ì`dñWm h¡. EZAmaAmB© HŸmo A[V[aº gw[dYm àXmZ H$aVo hþE Am°ZbmBZ [Z[Y A§VaU hoVw (ao[_Q 2 B§[S`m) ~¢H$ Zo QmBåg Am°\Ÿ _Zs [b. HoŸ gmW QmB-An ì`dñWm H$s h¡.

doñQ>Z© ¶w{Z¶Z ‘Zr Q>—mÝñ’$a godm§E§ Ho$ {bE ~¢H$ Zo ñnmB©g J«wn H§$nZr Ho$ dm°b ñQ>—rQ> ’$mBZ¢g {b{‘Q>oS> Ho$ gmW Q>mB©-An ì¶dñWm H$s h¢.

HŒoŸ[SQ HŸmS© HŸmamo~ma

[dÎms` df© HoŸ A§V VHŸ ~¡§HŸ Ûmam Omas HwŸb g[H«$` HŸmS© 1,59,149 bmI h¡ Am¡a `Wm 31.03.2014 HŸmo ` 458.18 HŸamoS H«o$[SQ HŸmS© nÊ`mdV© HŸs VwbZm _o§ H«o$[SQ HŸmS© nÊ`mdV© ` 514.57 h¡. ~¡§HŸ A§Vam©îQ—s` boZXoZ HoŸ [bE [Mn AmYm[aV HŸmS© Omas HŸa ahm h¡.

`Wm 31.03.2014 _o§ 1293 à[VîRmZmo§ HŸs VwbZm _o§ df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ Ûmam gyMs~Õ [HŸE JE ì`mnm[aHŸ à[VîRmZmo§ HŸs g§»`m 917 h¡. [OZ à[VîRmZmo§ Zo 12 _hsZmo§ go A[YHŸ g_` HoŸ [bE HŸmamo~ma Zht [X`m h¡ CÝho§ [d^mJ Zo gyMs go [ZHŸmb [X`m h¡. ~¡§HŸ HŸm°S©bog HŸm°S© ñdmBqnJ _esZ ^s CnbãY HŸamVm h¡ Am¡a ò Q[_©Zb B©E_ds/`yHoŸnsQs/ QsEbB© HŸm AZwnmbZ HŸaVm h¡ VWm PIN@POS g_Ïm© h¡. h_mar HŸmoa ~¢{H§ŸJ ímm»mmAm| _| »mmVm AZwa{úmV HŸaZodmbo ì`mnm{a`m| HŸmo ~¢HŸ grÜmm ämwJVmZ HŸaVm h¡.

So[~Q HŸmS©

So[~Q HŸmS© Omas HŸaZo _o§ AÀNs ~TmoÎmas hwB© h¡. `Wm 31 _mM© 2014 _o§ Omas 518809 HŸmSmoª HoŸ à[V df© 2014-15 _o§ Omas [HŸE JE So[~Q/EQsE_ HŸmSmoª HŸs g§»`m 1539854 h¡. `Wm 31.03.2014 HŸmo So[~Q HŸmS© nÊ`mdV© ` 464.96 HŸamoS HoŸ à[V 2014-2015 HoŸ Xm¡amZ So[~Q HŸmS© nÊ`mdV© ` 577.42 HŸamoS ahm. ~¡§HŸ OZ-YZ ImVo Imob ahm h¡ VWm éno VWm dsAmB©EgE HoŸ gh`moJ HoŸ gmW _mM© 2015 _o§ ßbm[QZ_ HŸmS© Omas [HŸ`m h¡.

[ZúmonmJma ^mJsXmas ImVm d Am°ZbmBZ Q—oqSJ

[dO`m ~¡§HŸ HŸm [ZúmonmJma ^mJsXmas ImVm amîQ—s` à[V^y[V [ZúmonmJma [b[_QoS HoŸ gmW h¡.

[dO`m ~¡§HŸ [ZåZ [ZúmonmJma godmE§ àXmZ HŸaVm h¡.

· ImVm ImobZm

· à[V^y[V`mo§ HŸm A_yVs©HŸaU (eoà, [S~o§Ma, å`yMwAb \§ŸS, Am[X)

· EZEgSsEb VWm gsSsEgEb HoŸ gmW OwSo ñQm°HŸ [d[Z_`mo§ _o§ ì`mnma HŸm BboŠQ—m°[ZHŸ [ZnQmZ

· ~¡§HŸ F$U HoŸ à[V A_yV© à[V^y[V HŸs [Jads/X¥pîQ~§YHŸ

· gmd©O[ZHŸ [ZJ©_ _o§ Am~§[QV à[V^y[V`mo§ HŸs BboŠQ—m°[ZHŸ O_m

· O~ HŸ^s Amdí`HŸ hmo ImVmo§ HŸm amoHŸ bJmZm Vm[HŸ ImVo go Zm_o HŸs AZw_[V Z hmo

· A_yV© ImVmo§ HoŸ [bE Zm_m§HŸZ gw[dYm

· nVo, ~¡§HŸ ImVm [ddaU _o§ n[adV©Z, Am[X go g§~§[YV godmE§

· à[V^y[V`mo§ HŸm àofU HŸaZm

· EZEgSsEb AmB©SsB©EEg gw[dYm

23

~¡§HŸ J«mhHŸmo§ HŸmo [ZúmonmJma godmE§ àXmZ HŸaVm h¡ VWm Am°ZbmBZ Q—oqSJ àXmZ HŸaZo HoŸ [bE AmB©Ss~sAmB© H¡Ÿ[nQb HoŸ gmW QmB-An [HŸ`m h¡.

gaHŸmas HŸmamo~ma _m°S²`yb (Os~sE_)

gaHŸmas HŸmamo~ma _m°S²`yb HŸmo [ZåZ _m°S²`ybmo§ HoŸ gmW HŸm`m©pÝdV [HŸ`m J`m h¡ -

· AmoëQmg _m°S²`yb, Omo [HŸ àË`úm d AàË`úm HŸa H$s godmE§ àXmZ H$aVm h¡ VWm ZmJnwa qbHŸ gob HoŸ O[aE ^m.[a.~¡§HŸ HŸmo HŸa aHŸ_ HoŸ àofU HŸm HŸm`© HŸaVm h¡.

· bmoHŸ ^[dî` [Z[Y - ~¢HŸ HŸs nXZm[_V emImAmo§ _o§ nsnsE\Ÿ ñdsH¥ŸV HŸs OmVs h¡.

no§eZ HŸm H|$ÐsH¥ŸV ^wJVmZ - àYmZ HŸm`m©b` _o§ EHŸ g_[n©V HoŸÐsH¥ŸV no§eZ ^wJVmZ g§gmYZ HŸúm HŸs ñWmnZm HŸs JB© h¡. amÁ`, HoŸÐs`, [g[db, Xyag§Mma, aúmm, Ý`m`mYse VWm ñdV§ÌVm goZmZs no§eZ O¡go g^s àHŸma HoŸ no§eZ HŸm ^wJVmZ H|$ÐsH¥ŸV ê$n go gsnsnsgs HŸúm, àYmZ HŸm`m©b` Ûmam [HŸ`m Om ahm h¡.

~¡§HŸ _o§ gaHŸmas _mJ©[ZXo©emo§ HoŸ AZwgma d[aîR ZmJ[aHŸ ~MV `moOZm ^s HŸm`m©pÝdV HŸs JB© h¡.

[dnUZ Tm§Mm

~¡§HŸ HoŸ à.HŸm. _o§ pñWV [dnUZ HŸúm Xoeâ _o§ [d[^ÝÝm úmoÌs` HŸm`m©b`mo§, AmaEgsnsgs d E_EgE_B© HŸúm _o§ HŸm`©aV g^s [dnUZ A[YHŸm[a`mo§ HŸs g[H«$` à[V^m[JVm go ~¡§HŸ HoŸ [d[^ÝÝm CËnmXmo§ HoŸ àMma d [dnUZ _o§ g[H«$` ê$n go HŸm`©aV h¡.

àMma VWm OZg§nH©Ÿ

[dÎms` df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ d CgHoŸ CËnmXmo§ HŸs X¥í`Vm HŸmo g§nyU© Xoe _o§ ~TmZo hoVw A§J«oOs, [hÝXs d úmoÌs` ^mfmAmo§ _o§ qàQ d BboŠQ—m[ZHŸ _s[S`m _o§ ~¡§HŸ Zo HŸB© à_wI [dkmnZ A[^`mZ Am`mo[OV [HŸE. Bg df© ~mø [dkmnZ _s[S`m O¡go hdmB© AÈo VWm [Xëbs _oQ—mo aoëdo ñQoeZ, HŸmobHŸmVm _oQ—mo ñQoeZ _o§ Q—mÝgbmBQ Am[X HoŸ O[aE à_wI àMma A[^`mZ [HŸE JE. _oQ—mo ehamo§ _o§ ~mø [dkmnZ hmoqS©J bJmE JE, aoëdo ñQoeZ/~g AÈo _o§ ½bmo gmBZ/gmBZ ~moS© [dkmnZ HoŸ O[aE àMma [HŸ`m J`m.

amO^mfm HŸm`m©Ýd`Z

amîQ—s`HŸaU go ~¡§HŸ ^maV gaHŸma HŸs amO^mfm Zs[V HŸmo ghs ^mdZm go HŸm`m©Ýd`Z HŸa ahm h¡. ñQm\Ÿ gXñ`mo§ HoŸ à`mg go ~¡§HŸ Zo `Wm 31.03.2015 HŸmo [hÝXs nÌmMma _o§ 'HŸ' úmoÌ _o§ 100% bú` HoŸ à[V 90.07%, '»m' úmoÌ _o§ 90% bú` HoŸ à[V 80.64% VWm 'J' úmoÌ _o§ 55% bú` _o§ à[V 61.49% hm[gb [HŸ`m h¡.

~ÀMmo§ HoŸ [bE ~MV ~¡§HŸ CËnmX 'dr OoZ `yÏm' ~¡Za HoŸ AYsZ g^s 27 úmoÌs` HŸm`m©b`mo§ d àYmZ HŸm`m©b` Ûmam hmB©ñHyŸb NmÌmo§ HoŸ [bE ds-OoZ

`yW [hÝXs Jm`Z à[V`mo[JVm/[hÝXs [MÌHŸbm à[V`mo[JVm/[hÝXs ^mfU à[V`mo[JVm, [hÝXs àíZ _§M à[V`mo[JVm, Am[X HŸm Am`moOZ [HŸ`m J`m. àËòHŸ úmoÌs` HŸm`m©b` Ûmam [hÝXs g§JmoîRs (Amngs g§dmX HŸm`©HŒŸ_) HŸm Am`moOZ [HŸ`m J`m [Og_o§ [d[^ÝÝm _hm[dÚmb`/[dœ[dÚmb` HoŸ AÜ`mnHŸ d NmÌmo§, JŒmhHŸmo§ VWm ñQm\Ÿ gXñ`mo§ Zo ^mJ [b`m.

HŸm`©nmbHŸm|/A{ÜmHŸm{a`m| Ed§ [b[nHŸ dJ© HoŸ HŸ_©Mm[a`mo§ HoŸ [bE Am`mo[OV HwŸb 92 [hÝXs HŸm`©embmAmo§ _o§ 1610 ñQm\Ÿ gXñ`mo§ HŸmo à[e[úmV [HŸ`m J`m. BZ HŸm`©embmAmo§ _o§ `y[ZHŸmoS HoŸ à`moJ HŸmo A[YHŸ _hËd [X`m J`m.

[XZm§HŸ 08.01.2015 HŸmo g§gXs` amO^mfm g[_[V HŸs AmboI Ed§ gmú` Cn-g[_[V Ûmam ZJa amO^mfm HŸm`m©Ýd`Z g[_[V, ZmJnwa Ed§ gXñ` ~¡§HŸmo§ HoŸ gmW [dMma-[d_e© [HŸ`m J`m [Og_o§ h_mao úmoÌs` HŸm`m©b`, ZmJnwa HŸs gXñ` HŸm`m©b` HoŸ ên _o§ gh^m[JVm ahs.

[XZm§HŸ 07.02.2015 HŸmo g§gXs` amO^mfm g[_[V HŸs Vsgas Cn-g[_[V Zo h_mas CJX_§Sb_ emIm HŸm [ZasúmU [HŸ`m.

àYmZ HŸm`m©b` _o§ [XZm§HŸ 16.09.2014 HŸmo [hÝXs g_mamoh HŸm Am`moOZ [HŸ`m J`m VWm Bg Adga na ~¡§HŸ _o§ g^s ñQm\Ÿ gXñ`mo§ Ûmam amO^mfm HŸm`m©Ýd`Z hoVw amO^mfm ghm[`HŸm HŸm [d_moMZ [HŸ`m J`m.

~¡§HŸ _o§ B©-nmg~wHŸ/Qobs ~¡§qHŸJ _o§ [hÝXs/SmB~moëS _esZmo§ _o§ [hÝXs _o§ EQsE_ nMs© [ZHŸmbZo HŸs gw[dYm h¡. ~¡§HŸ HŸs [deof B§Q—mZoQ amO^mfm do~gmBQ _o§ g^s emImAmo§/HŸm`m©b`mo§ nÌesf©, HŸm`m©b` ZmoQ, nÌ, Am[X CnbãY HŸamHŸa Bgo ñQm\Ÿ gXñ`mo§ HoŸ [bE A[YHŸ gw[dYmOZHŸ ~Zm`m J`m. ~¡§HŸ HŸs [Ì^mfm do~gmBQ HŸm [hÝXs nmR g_`-g_` na AÚ[VV [HŸ`m OmVm h¡. "dr-kmZ H|ŸÐ' [Û^mfs _o§ CnbãY h¡.

~¡§HŸ HoŸ àYmZ HŸm`m©b`, [d[^ÝÝm úmoÌs` HŸm`m©b`mo§ Zo g§~§[YV ZJa amO^mfm HŸm`m©Ýd`Z g[_[V`mo§ go amO^mfm HŸm`m©Ýd`Z hoVw df© 2013-14 HoŸ [bE nwañHŸma OsVm h¡ - ñQm\Ÿ _hm[dÚmb`, ~o§Jbya - àW_ nwañHŸma ; úmoÌs` HŸm`m©b`, hmgZ - àW_ nwañHŸma ; _o`mo hm°b emIm -Mm¡Wm nwañHŸma ; HŸZm©bemIm - gm§ËdZm nwañHŸma ; úmoÌs` HŸm`m©b`, nwUo HŸmo CËH¥ŸîQ [ZînmXZ hoVw nwañHŸma.

Xoe HŸs [d[^ÝÝm ZJa amO^mfm HŸm`m©Ýd`Z g[_[V`mo§ HoŸ VËdmdYmZ _o§ h_mao ~¡§HŸ Zo HŸB© A§Va ~¡§HŸ à[V`mo[JVmE§ Am`mo[OV HŸt VWm h_mao HŸB© ñQm\Ÿ gXñ`mo§ Zo nwañHŸma ^s OsVm h¡.

df© 2013-14 hoVw ~¡§HŸ HoŸ Am§V[aHŸ amO^mfm esëS `moOZm HoŸ A§VJ©V à^mds amO^mfm HŸm`m©Ýd`Z hoVw à.HŸm. [d^mJ g§dJ© HoŸAYsZ HŸm[_©HŸ [d^mJ HŸmo àW_ nwañHŸma, ̀ moOZm d [dHŸmg [d^mJ HŸmo [ÛVs`nwañHŸma VWm Ho§ŸÐs` boIm [d^mJ HŸmo V¥Vs` nwañHŸma [_bm. CËH¥ŸîQ úmoÌ g§dJ© HoŸ AYsZ M§SsJT HŸmo àW_ nwañHŸma, bIZD HŸmo [ÛVs` nwañHŸma VWm ~o§Jbya (X[úmU) HŸmo Vsgam nwañHŸma àmßV hwAm.

24

d¡HŸpënHŸ gwnwX©Js M¡Zb

J«mhHŸmo§ VWm ~¡§HŸmo§ HoŸ Amngs bm^ HoŸ [bE àm¡Úmo[JHŸs g_[W©V d¡HŸpënHŸ gwnwX©Js _mÜ`_ HŸm Cn`moJ gw[Z[íÀmV HŸaZo HoŸ [bE HŸB© HŸm`©HŸbmn Am`mo[OV [HŸE JE h¡§. J«mhHŸmo§ HŸmo _ob ôOo JE [Og_o§ d¡HŸpënHŸ gwnwX©Js _mÜ`_ HoŸ à`moJ go O¡go [HŸ B§QaZoQ ~¡§qHŸJ, So[~Q HŸmS© HŸm Cn`moJ, Am°Z-bmBZ IasX na bm^ VWm AmaQsOsEg/EZB©E\ŸQs HoŸ O[aE [Z[Y A§VaU HoŸ bm^ na àHŸme Smbm J`m. HŸ_©Mm[a`mo§ HŸmo BZ CËnmXmo§ go n[aM` HŸamZo/BgHoŸ à[V g§doXZesb ~ZmZo HoŸ [bE HŸ_©Mmas _hm[dÚmb` Ûmam à[eúmU HŸm`©H«$_ Am`mo[OV [HŸE OmVo h¡§, `h gw[Z[íÀmV HŸaZo HoŸ [bE [HŸ ò gmas gw[dYmE§ ì`mdgm[`HŸ VasHoŸ go J«mhHŸmo§ VHŸ nhw§Mm`s OmVs h¡.

Qo[b ~¡§qHŸJ gw[dYm

Qo[b ~¡§qHŸJ gw[dYmE§ df© 2012-13 HoŸ Xm¡amZ ewê HŸs J`s VWm `h

A§J«oOs, HŸÝÝmS VWm [hÝXs _o§ CnbãY h¡. Qo[b ~¡§qHŸJ J«mhHŸmo§ H$mo {ZåZ gw[dYmE§ àXmZ H$aVm h¡§ :

· ImVm [ddaU: Bg_o§ ImVm eof nyNVmN, [nNbo nm§M boZXoZ HoŸ [ddaU, B©-_oBb Ûmam ImVm [ddaU, HŒoŸ[SQ/So[~Q HŸmS© HoŸ [ddaU CnbãY hmoJm.

· MoHŸ ~wHŸ HoŸ [bE AZwamoY, ^wJVmZ ñWJZ, MoHŸ ñQoQg HŸs OmZHŸmas

· [dÎms` boZXoZ: Bg_o§ ñd`§ HoŸ ImVo _o§ [Z[Y HŸm Am§VaU HŸa gHŸVo h¡.

· F$U ImVo HŸm [ddaU VWm O_mam[e HŸm [ddaU

· B§QaZoQ ~¡§qHŸJ ghm`Vm VWm _mo~mBb ~¡§qHŸJ ghm`Vm

· ImVo HŸmo AmYma g§»`m go OmoSZm.

B§QaZoQ ~¡§qHŸJ

ds-ZoQ ~¡§qHŸJ, ~¡§HŸ HŸm B§QaZoQ ~¡§qHŸJ M¡Zb h¡ [Og_o§ ImVm eof nyNVmN, ImVm [ddaUs, EZB©E\ŸQs/AmaQsOsEg HoŸ O[aE A§Va ~¡§HŸ VWm AÝ` ~¡§HŸmo§ HoŸ gmW [Z[Y A§VaU, EgE_Eg AbQ© go g§~§[YV boZXoZ, AàË`úm/àË`úm HŸa HŸm ^wJVmZ, amÁ` dm[UpÁ`HŸ HŸa, `y[Q[bQs [~b ^wJVmZ, _§[Xamo§ HŸmo Am°ZbmBZ XmZ Ed§ àYmZ _§Ìs amhV [Z[Y HoŸ [bE Am°ZbmBZ XmZ VWm AÝ` gw[dYmE§ CnbãY h¡. ds-ZoQ ~¡§qHŸJ _o§ OmoS Xs JB© [deofVmE§ [ZåZmZwgma h¡§.

· nmgdS© HŸmo Am°ZbmBZ nwZ: ~Zm`m Om gHŸVm h¡

· `yOa AmB©Ss d nmgdS© Am°ZbmBZ na g¥[OV [HŸ`m Om gHŸVm h¡

· J«mhHŸ AnZm nsnsE\Ÿ ImVm XoI gHŸVo h¡§ VWm ds-ZoQ ~¡§qHŸJ gw[dYm Cn`moJ HŸaVo hwE OwSo JE AnZo n[aMmbZmË_HŸ ImVo§ go nsnsE\Ÿ ImVo _o§ [Z[Y HŸm A§VaU HŸa gHŸVo h¡§..

· J«mhHŸ AnZo [dO`m ~¡§HŸ H«o$[SQ HŸmS© [ddaU XoI gHŸVo h¡§.

· J«mhHŸ Am`mV Ed§ [Z`m©V gs_m ewëHŸ HŸm ^wJVmZ HŸa gHŸVo h¡.

_mo~mBb ~¡§qHŸJ

ds-_mo~mBb ~¡§qHŸJ M¡Zb HoŸ O[aE ~¡§HŸ, ImVm eof nyNVmN, ImVm [ddaUs, _mo~mBb asMmO©, EZB©E\ŸQs Ûmam A§Va ~¡§HŸ d ~¡§HŸ HŸs emImAmo§ HoŸ ~sM [Z[Y A§VaU, EàbmBZ [QHoŸQ ~wqHŸJ, _yds [QHoŸQ ~wqHŸJ, Am[X àXmZ HŸa ahm h¡ Omo [HŸ J«mhHŸ EgE_Eg/OsnsAmaEg g§àofU _moS HoŸ O[aE h¡§SgoQ go HŸa gHŸVo ho§. VËHŸmb ̂ wJVmZ godm EZnsgsAmB© (^maVs` amîQ—s` ̂ wJVmZ [ZJ_) Ûmam ewê HŸs JB© nhb h¡ [Ogo _mo~mBb ~¡§qHŸJ godmE§ Cn`moJ HŸaZodmbo J«mhHŸ HoŸ bm^mW© HŸm`m©pÝdV [HŸ`m J`m h¡. A§Va ~¡§HŸ _mo~mBb ̂ wJVmZ godm (AmB©E_

(_mo~mBb _Zs AmBSo§[Q\Ÿmà) HŸm à`moJ HŸaHoŸ ~¡§HŸ HoŸ A§Xa d ~¡§HŸmo§ HoŸ ~sM boZXoZ HŸa gHŸVo h¡§. h_mas _m¡OyXm _mo~mBb ~¡§qHŸJ godmAmo§ _o§ AmB©E_nsEg (ns2E-ì`[º go ImVo HŸmo) HŸm`m©pÝdV h¡ Ohm§ J«mhHŸ E_E_AmB©Ss HŸm Cn`moJ [HŸE [~Zm, [hVm[YHŸmas HŸm ImVm g§»`m VWm AmB©E\ŸEggs HyŸQ HŸm à`moJ HŸaVo hwE [Z[Y A§VaU HŸa gHŸVo h¡§.

A~ h_Zo d[Y©V ê$n Am¡a ^mdZm HoŸ gmW _mo~mBb ~¡§qHŸJ HoŸ ZE ê$n§VaU HŸm ew^ma§^ [HŸ`m h¡, [Og_o§ A[V[aº gw[dYmE§ O¡go [HŸ J«mhHŸ Ûmam ~¡§HŸ go gyMZmE§ àmßV HŸs OmZm, [Z[Y Am§VaU boZXoZ HŸs [QßnUs Omo‹SZm, ñd`§ Ûmam AmdoXZ nmgdS© CËnÝÝm [HŸ`m OmZm Am¡a J«mhHŸmo§ HoŸ AZwHyŸb AÝ` [dHŸën CnbãY h¡§.

EgE_Eg AbQ²g©/B©-_ob

~¡§HŸ EgE_Eg AbQ© godm ^s àXmZ HŸaVm h¡. ` 100/- go A[YHŸ g^s boZXoZ VWm MoHŸ bm¡QmE OmZo HoŸ g§~§Y _o§, Mmho am[e [OVZs ^s hmo, g§Xoe ôOo OmVo h¡§. [OZ ImVmYmaHŸmo§ Zo B©-_ob AmBSs a[OñQa [HŸ`m h¡, CZHŸmo B©-_ob HoŸ O[aE ImVmo§ HŸs _m[gHŸ [ddaUs ôOZo HŸm HŸm`© ewê [HŸ`m J`m h¡.

EgE_Eg AbQ© [ZåZ HoŸ [bE Cn`moJ [HŸ`m OmVm h¡ -

· EgE_Eg-AmoQsns (EHŸ ~maJs nmgdS©) Ûmam [hVm[YHŸm[a`mo§ HŸmo ds-ZoQ ~¡§qHŸJ _o§ OmoSZm.

· Am°ZbmBZ na ds-ZoQ ~¡§qHŸJ EgE_Eg-AmoQsns (EHŸ ~maJs nmgdS©) asgoQ [HŸ`m Om gHŸVm h¡.

· AÝ` gwaúmm gw[dYmAmo§ HoŸ gmW-gmW IwXam J«mhHŸ, EgE_Eg-AmoQsns (EHŸ ~maJs nmgdS©) Ûmam ñd-à`moŠVm ~Zm gHŸV| h¡.

ds kmZgmJa:

ds kmZgmJa [dO`m ~¡§HŸ Ûmam OZVm HoŸ [bE [dÎms` gmúmaVm HoŸ ^mJ HoŸ ê$n _o§ [dÎms` OmZHŸmas àXmZ HŸaZo HŸs EHŸ AZyRs nhb h¡. ds kmZgmJa Am§S—mBS _mo~mBb AZwà`moJ h¡, Omo J«mhHŸ HŸmo [dÎms`, Am[W©HŸ Am¡a ~¡§qHŸJ [df` na X¡[ZHŸ AÚVZ àmßV HŸaZo HŸs gw[dYm VWm [dÎms` Am¡a ~¡§qHŸJ eãXmo§ HŸs ì`m»`m àmßV HŸaZo HŸs gw[dYm ^s àXmZ HŸaVm h¡

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ds A~¡HŸg :

EHŸ [_g HŸm°b XoHŸa ImVm ImobZm Am¡a Q¡~ ~¡§qHŸJ HoŸ _mÜ`_ go ImVm ImobZo HŸs gw[dYm HŸm`mª[dV HŸs JB© h¡.

Omo J«mhHŸ emIm _o§ AmHŸa ImVm Zht Imob gHŸVo, CZHoŸ [bE `h gw[dYm Cn`moJs h¡.

ds pŠdHŸno :

ds pŠdHŸno h_mao ~¡§HŸ HŸs EHŸ AZyRs nhb h¡ Am¡a AJbs ns‹Ts HŸs [~b ^wJVmZ godm h¡, Ohm§ Š`yAma HŸmoS HŸs ñH¡ŸqZJ Ûmam [~b HŸm ^wJVmZ [HŸ`m OmVm h¡. J«mhHŸ HŸmo h_ go Bg gw[dYm HŸm bm^ CRmE ì`mnm[a`mo§ Ûmam CËnÝÝm [~b HoŸ Š`yAma HŸmoS HŸm ñH¡ŸZ HŸaZm h¡ VWm nsAmoEg _esZ na H«o$[SQ / So[~Q HŸmS© ñdmBn [HŸE [~Zm [~b HoŸ ^wJVmZ HŸaZm h¡. Bg_o§ HŒoŸ[SQ Am¡a So[~Q HŸmS© Ûmam Am¡a [HŸgs ^s ~¡§HŸ HoŸ ZoQ ~¡§qHŸJ Ûmam ^wJVmZ HŸaZo HŸs gw[dYm h¡. `h CËnmX EHŸ Z`m [~b ^wJVmZ M¡Zb h¡, Omo A~ VHŸ ^maVs` ~¡§qHŸJ CÚmoJ _o§ [HŸgs ^s ~¡§HŸ Ûmam àXmZ Zht [HŸ`m J`m h¡.

`yEgEgSs-EZ`y`yns :

_mo~mBb ~¡§qHŸJ godmE§ df© 2009 _o§ ~¡§HŸ Ûmam ewê HŸs JB© Ws. VWm[n, [OZHoŸ nmg CÀM gw[dYmdmbo h¡§SgoQ Zht h¡, _mo~mBb ~¡§qHŸJ HoŸ _mÜ`_ go àXmZ HŸs OmZodmbs ~w[Z`mXs ~¡§qHŸJ godmE§ àmßV HŸaZm CZHŸs nhw§M go nao Ws. A~ g^s J«mhHŸmo§ HoŸ [bE _mo~mBb ~¡§qHŸJ gwb^ ~ZmZo hoVw ~w[Z`mXs _mo~mBb \ŸmoZ na ^s _mo~mBb ~¡§qHŸJ godmE§ XoZo HoŸ [bE ~¡§HŸ Ûmam QoëHŸmog Ûmam àXmZ [HŸE JE EZnsgsAmB© HŸm Ag§a[MV nyaHŸ godm SmQm-`yEgEgSs-EZ`y`yns HŸm Cn`moJ [HŸ`m J`m h¡.

ds Am°ZbmBZ ~MV ~¡§HŸ ImVm:

h_mas do~gmBQ "www.vijayabank.com' Ûmam Am°ZbmBZ ~MV ~¡§HŸ ImVm ImobZo HŸm [dHŸën noe [HŸ`m J`m Wm. J«mhHŸ H$mo§ ImVm ImobZo HoŸ [bE AnZs gw[dYmZwgma AnZs ng§X HŸm ñWmZ MwZZm h¡. J«mhHŸ HoŸ AZwamoY HoŸ g§~§Y _o§ emIm EHŸ ñdMm[bV _ob àmßV HŸaVs h¡; emIm J«mhHŸ HŸmo ~wbmòJs Am¡a Amdí`HŸ XñVmdoOmo§ Am¡a à[H«$`mAmo§ HŸmo gy[MV HŸaoJs. J«mhHŸ AnZo Ûmam MwZo [XZm§HŸ na emIm ‘| OmH$a Amdí`HŸ XñVmdoO àñVwV HŸaHoŸ ImVm ImobVo h¡§.

J«mhHŸ godm Am¡a [eHŸm`Vmo§ HŸm [ZnQmZ

· ~¡§HŸ _o§ EHŸ gwñWm[nV _O~yV [eHŸm`V [ZdmaU V§Ì h¡. [eHŸm`Vmo§ HŸmo Vwa§V [ZnQm`m OmVm h¡ VWm g^s [eHŸm`Vmo§ HoŸ g_`~Õ [ZnQmZ hoVw OmoaXma à`mg [HŸE Om aho h¡§.

· J«mhHŸ HŸs [eHŸm`Vo VWm ~¡§HŸ _o§ J«mhHŸ godm gwYmaZo HŸs gwPmdmo§ HŸs MMm© HŸaZo HoŸ [bE _§Sb HŸs J«mhHŸ godm g[_[V VWm J«mhHŸ godm na ñWmB© g[_[V Amd[YHŸVm na àYmZ HŸm`m©b` _o§ [_bVs h¡§.

· _mZHŸsH¥ŸV bmoHŸ [eHŸm`V [ZdmaU àUmbs (EgnsOsAmaEg) nhbo go h_mao ~¡§HŸ _o§ h¡, Omo J«mhHŸmo§ HoŸ [bE [eHŸm`V XO© HŸaZo HoŸ [bE AmZbmBZ nmoQ©b h¡ VWm Bggo AmJo HŸs H$ma©dmB© HŸm nVm bJm`m Om gHŸVm h¡. [d[dY _mÜ`_mo§ go àmßV [eHŸm`Vmo§ HŸmo J«mhHŸ [eHŸm`Vmo§ HoŸ [bE EHŸsH¥ŸV gyMZm àUmbs ~ZmZo hoVw VWm [S[OQbmBOS [HŸ`m OmEJm. g^s [eHŸm`Vmo§ HŸmo [d[^ÝÝm esf© VWm Cnesfmoª _o§ dJs©H¥ŸV [HŸ`m OmVm h¡ VWm gab d g_`~Õ [ZnQmZ hoVw ñdV: g§~§[YV [d^mJmo§ HŸmo ôOm OmVm h¡.

· JwßV [ZasúmU Mmby df© _o§ ^s Omas aIm J`m h¡, [OgHŸm CÔoí`, [ZåZ ~mVmo§ na emImAmo§ HŸm _yë`m§HŸZ HŸaZo HoŸ [bE h¡ :

1. emImAmo§ HŸm _mhm¡b

2. CËnmX HoŸ ~mao _o§ ñQm\Ÿ HŸm kmZ

3. J«mhHŸ godm

4. [d[Z`m_HŸ [ZHŸm` O¡go ^m.[a.~¢./~sgsEg~sAmB© HoŸ [Xem[ZXo©emo§ HoŸ AZwgma A[Zdm`© àHŸQZ HŸs CnbãYVm

à‘wI joÌm| Ho$ {díbofU H$aZo VWm J«mhHŸ godm _o§ gwYma bmZo HoŸ [bE AÜ``Z Ho$ n[aUm‘m| H$m à¶moJ {H$¶m J¶m.

· HŸm°b go§Qa : gämr n«HŸma HoŸ J«mhHŸm| HŸr nyNVmN HŸmo {ZnQmZo hoVw ~¢HŸ _| ì`mdgm{`HŸ VarHoŸ go n«~§{ÜmV HŸm°b g|Qa h¡. H«o${SQ Am¡a So{~Q HŸmS©ÜmmaHŸm| HoŸ AmnmVr _m_bo O¡go HŸmS© ãbm°HŸ HŸaZm/hm°Q{bñQ HŸaZm, Jw_Zm_ boZXoZ HŸmo Q—¡HŸ HŸaZm, Am{X na Vwa§V godm CnbãÜm

HŸaVm h¡ {HŸ J«mhHŸ nyNVmN/_m_bm| HŸmo HŸ_ g_` _| hr {ZnQm`m OmVm h¡. BgHoŸ {bE ~¢HŸ Ûmam ZoQ ~¢{H§ŸJ/d¡HŸ{ënHŸ gwnwX©Jr M¡Zb

Ed§ gm_mÝ` ~¢{H§ŸJ gw~h 8.00 ~Oo go ímm_ 8.00 ~Oo VHŸ) {dímoîm HŸm°b g|Qa HŸr ñÏmmnZm HŸr J`r h¡.

^maVs` ~¡§qHŸJ g§[hVm d _mZHŸ ~moS© (~sgsEg~sAmB©)

~sgsEg~sAmB© HŸm gXñ` hmoZo HoŸ ZmVo ^m.[a.~¢. Ûmam V¡`ma HŸs J`s ñd¡pÀNHŸ g§[hVm HŸmo ~¡§HŸ Zo AnZm`m h¡ AWm©V (i) "J«mhHŸmo§ HoŸ à[V ~¡§HŸ HŸs à[V~ÕVm g§[hVm' (ii) "gyú_ Ed§ bKw CÚ_mo§ HoŸ à[V ~¡§HŸ HŸs à[V~ÕVm g§[hVm'. ~¡§HŸ Zo ~sgsEg~sAmB© HoŸ _mJ©[ZXo©emZwgma HŸB© Zs[V`mo§ HŸmo ^s V¡`ma [HŸ`m h¡ VWm CZH$m AZwnmbZ [HŸ`m h¡. g§[hVmAmo§ HoŸ Aúmae: AZwnmbZ HoŸ CÔoí` go ñQm\Ÿ gm_mÝ` ~¡§qHŸJ à[eúmU HŸm`©H«$_mo§ _o§ g§[hVmAmo§ HoŸ àmdYmZmo§ HŸmo g_m[hV HŸaVo hwE J«mhHŸ godm na EHŸ gÌ HŸmo em[_b [HŸ`m J`m h¡. ~sgsEg~sAmB© Zo OZdas 2014 _o§' J«mhHŸmo§ HoŸ à[V ~¡§HŸ HŸs à[V~ÕVm g§[hVm' HŸmo g§emo[YV [HŸ`m h¡ Am¡a ~¡§HŸ Ûmam g§emo[YV [Xem[ZXo©emo§ HŸmo nmbZ HŸaZo hoVw HŸB© HŸX_ CRmò Jò h¡§.

26

HŸm°nmo©aoQ gm_m[OHŸ Xm[`Ëd

h_mam ~¡§HŸ gsEgAma J[V[d[Y`mo§ _o§ g[H«$` ên go ^mJ bo ahm h¡. VWm[n, h_Zo [XZm§HŸ 01.02.2014 HŸs gaHŸmas amOnÌ A[YgyMZm HoŸ AZê$n Am¡nMm[aHŸ gsEgAma HŸm`©HŸbmnmo§ HŸmo AnZm`m h¡. [dÎms` df© 2014-15 _o§ AnZmE JE à_wI nhb Bg àHŸma h¡ :

· J«m_sU úmoÌmo§ _o§ J«m_sU OZVm HŸmo ñdmñÏ` gw[dYmE§ àXmZ HŸaZo HoŸ [bE J«m_sU ñdmñÏ` Ho§ŸÐmo§ _o§ EHŸ SmŠQa HŸs godmE§ CnbãY HŸamVo hwE AnZmE JE Jm§dmo§ HŸmo ghm`Vm àXmZ HŸaZm VWm Xdm [Z…ewëHŸ XoZm.

· ` 11,55,000/- HŸs am[e _§Oya HŸaVo hwE ~m[bHŸm A§JsHŸaU `moOZm§VJ©V h_Zo 16 ~m[bHŸmAmo§ HŸmo AnZm`m h¡ Am¡a AnZmE§ gmb go ñZmVHŸ ñVa VHŸ IM© HoŸ à[V Bg am[e HŸm Cn`moJ [HŸ`m OmEJm.

· ~g eoëQa, AmodahoS Q§HŸ, Q—ñQmo/AñnVmbmo§ HŸmo Eåã`wbo§g CnbãY HŸamZo O¡go g_wXm`moÝ_wI HŸm`©H«$_mo§ HoŸ [bE XmZ [XE JE.

· ls AaqdX ^Q HŸmo AmobpånHŸ Joåg _o§ ^mJ boZo HoŸ [bE [dÎms` ghm`Vm àXmZ HŸs J`s.

· gaHŸmas ñHyŸbmo§ _o§ _yb^yV gw[dYmE§ O¡go nmZs HŸs Q§[HŸ`m§, dmQa ß`y[a\Ÿmà, ~o§M, gmobma bmBQ, n§Im, nwñVHŸmb` HŸúm Am[X HoŸ [bE ghm`Vm.

· X[bV dJ© [deofV… A.Om/A.O.Om./A.[n.d. HoŸ HŸë`mU hoVw [d[^ÝÝm Ý`mgmo§/à[VîRmZmo§ VWm AZmWml_ d d¥ÕmdñWm Ho§ŸÐmo§ d d[aîR ZmJ[aHŸmo§ HŸmo XmZ, gm_m[OHŸ d Am[W©HŸ ê$n go [nNSo g_yhmo§ Ûmam gm_Zm [HŸE OmZodmbs Ag_mZVmAmo§ HŸmo HŸ_ HŸaZo HoŸ Cnm` HoŸ ê$n _o§ ghm`Vm.

· X¥pîQhsZmo§ HoŸ ñHyŸbmo§ _o§ agmoB©Ka HŸs dñVwE§ \«$sOa, ‘o‹O, HwŸ[g©`m§ O¡gs dñVwAmo§ HŸmo CnbãY HŸamVo hwE Am[W©HŸ ghm`Vm d ldU Xmof dmbo ì`[º`mo§ HŸmo ldU gmYZ àXmZ HŸaZm VWm AÝ` àHŸma go Ag_W© ì`[ŠV`mo§ HŸmo ghm`Vm.

· hwX-hwX> ns[SVmo§ HoŸ [bE A§eXmZ

· Aml`m, O¡gs n[a`moOZmE§ Omo [Zam[lV ~m[bHŸmAmo§ HoŸ [bE ̂ moOZ, Amdmg VWm [eúmm HŸs ghm`Vm àXmZ HŸaVm h¡, EZOsAmo HŸmo g_wXm` [dHŸmg hoVw H¡ŸZ HoŸa \ŸmCÊSoeZ Omo _asO Am¡a CZHoŸ n[admadmbmo§ HŸmo [dÎms` Ed§ Z¡[VHŸ amhV àXmZ HŸaVm h¡; bú_s Zaqghm M¡[aQo~b Q—ñQ Omo d[aîR ZmJ[aHŸmo§ HŸmo emas[aHŸ ê$n go Aeº [Zdm[g`mo§ HŸmo no§eZ HoŸ [bE Am§[eHŸ [Z[Y HoŸ ê$n _o§ [dÎms` ghm`Vm àXmZ HŸaZm.

· ~¡§HŸ ~oamoOJma ̀ wdmAmo§ HŸmo à[eúmU àXmZ HŸa ñdamoOJma Adga HŸm [Z_m©U HŸaVm h¡.

· 84do g§ñWmnZ [Xdg HoŸ Cnbú` _o§ gsEgAma HŸm`©HŸbmn HoŸ

ê$n _o§ ls Vai~miw EOwHoŸeZ gmogmBQs, [g[aJoao, [e_moJm HŸmo h_Zo Eåã`wbo§g XmZ [X`m h¡.

· ñdÀN [dÚmb` HŸm`m©Ýd`Z HoŸ CX²¿mmofUm na àYmZ _§Ìs HoŸ [ZXoemo§ HoŸ AZwH«$_ _o§ 84 gaHŸmas ñHyŸbmo§ [OZ_o§ g\ŸmB© gw[dYm CnbãY Zht h¡, ñdmñÏ` aúmm gw[dYm CnbãY HŸamZo HŸs J[V[d[Y ewê HŸs h¡. 84do§ g§ñWmnHŸ [Xdg HoŸ Cnbú` _o§ BgHoŸ AmJo em¡Mmb` [Z_m©U HŸm`©nyam [HŸ`m h¡ Am¡a ~mHŸs _o§ HŸm`© àJ[V na h¡.

· A§Vam©îQ—s` _[hbm [Xdg HoŸ Cnbú` _o§ _[hbm [Zam[lVmo§ HoŸ [bE HŸm`© HŸa ahs 2 g§ñWmAmo§ HŸmo JÔm, MmXa, ~mëQ>r, V[HŸ`m Am[X CnbãY HŸamE JE.

· Xoe HoŸ gHŸmamË_HŸ àJ[V na bú` Ho§Ÿ[ÐV HŸaVo hwE ~ÀMmo§ HŸs [eúmm HoŸ à[V _yb Amdí`HŸVmAmo§ Am[X Ho$ {bE ghm¶Vm àXmZ HŸaZm.

nwañHŸma Am¡a CnbpãY`m±

[d[^ÝÝm nhb HŸs _mÝ`Vm _o§, ~¡§HŸ HŸmo df© 2014-15 HoŸ Xm¡amZ HŸB© nwañHŸma Am¡a Cnm{Y àXmZ [HŸE JE.

· SZ E§S ~«¡SñQ—sQ -nmobm[ag \ŸmBZo§[e`b QoŠZmobm°Os HŸs _oO~mZs _o§ Am`mo[OV g_mamoh _o§ "gdm}ËV_ AmpñV JwUdÎmm à~§YZ' esf©ñW ~¡§HŸ Am¡a ~¡§qHŸJ nwañHŸma 2014.

· Zm~mS© go ñd`§ ghm`Vm g_yh / g§`wº Xo`Vm g_yh (EgEMOs / OoEbOs) qbHoŸO HoŸ [bE "gdm}ËV_ HŸm`© [ZînmXZ nwañHŸma'.

· CÚmoJ ì`mnma Am¡a godmE§ \oŸSaoeZ Ûmam Am`mo[OV g_mamoh _o§ gyú_, bKw Am¡a _Âmm¡bo CÚ_, ^maV gaHŸma go " nsE_OoSsdmB© HŸm`© [ZînmXZ HoŸ [bE gdmo©ËH¥ŸîQ nwañHŸma'.

_§Sb HŸs ~¡RHo§Ÿ d _§Sb HŸs AÝ` Cn-g[_[V`mo§ HŸs ~¡RHo§Ÿ

df© 2014-15 HoŸ Xm¡amZ, [ZXoeHŸ _§Sb HŸs 20 ~¡RHo§Ÿ hwB©§. g[_[V HŸs ~¡RHŸmo§ HoŸ [ddaU [ZåZmZwgma h¡ :

g{_{V HŸm Zm_ ~¡RHŸm| HŸr g§.

_§Sb HŸs à~§Y g[_[V 16

_§Sb HŸs boImnasúmm g[_[V 12

[ZXoeHŸmo§ HŸs nXmoÝÝm[V g[_[V 03

_§Sb HŸs Omo[I_ à~§YZ g[_[V 05

A[YHŸ _yë` HŸs YmoImY[S`mo§ HŸs g_súmm g[_[V 05

_§Sb HŸs nm[al[_HŸ g[_[V 01

_§Sb HŸs Zm_m§HŸZ g[_[V 02

_§Sb HŸs J«mhHŸ godm g[_[V 04

27

[hVYmaHŸ g§~§Y g[_[V 04

eoà A§VaU 07

àYmZ HŸm`m©b` ñVa HŸs F$U AZw_moXZ g[_[V 32

AZwemg[ZHŸ àm[YHŸmas HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ HoŸ A§[V_ AmXoemo§ HoŸ à[V HŸ_©Mmas Ûmam [XE JE Ansb na [dMma HŸaZo hoVw g[_[V

01

gyMZm àm¡Úmo[JHŸs aUZs[V g[_[V 03

MwZmd _o§ Cå_sXdma HŸm g_W©Z eyÝ`

EZnsE HŸm F$U [ZJamZs dgybs à~§YZ 05

EnsEAma g_súmm g[_[V 01

HŸmnmo©aoQ gm_m[OHŸ Xm[`Ëd (gsEgAma) 01

nhMmZ g[_[V VWm BamXVZ MyHŸHŸVm©Amo§ HŸs nhMmZ VWm KmfUm hoVw [eHŸm`V [ZdmaU g[_[V

-

_mZd g§gmYZ g[_[V -

[ZXoeHŸ _§Sb _o§ n[adV©Z

[ZXoeHŸ _§Sb _o§ df© 2014-15 HoŸ Xm¡amZ [ZåZm§[HŸV n[adV©Z hwE :

1. [XZm§HŸ 31.12.2014 HŸmo ls ds.HŸÊUZ, nyd© AÜ`úm Ed§ à~§Y [ZXoeHŸ H$s A[Yd[f©Vm àmpßV na HŸm`m©b` NmoSZo HoŸ \Ÿbñdên ls [HŸemoa gm§gs Zo h_mao ~¡§HŸ HoŸ à~§Y [ZXoeHŸ Ed§ gsB©Amo HoŸ ê$n _o§ [XZm§HŸ 01.01.2015 HŸmo HŸm`©J«hU [HŸ`m.

2. ls ds.HoŸ.MmonSm, gaHŸmas Zm[_Vs [ZXoeHŸ H$s A[Yd[f©Vm na [XZm§HŸ 31.07.2014 HŸmo godm[Zd¥Îm hmoZo HoŸ \Ÿbñdê$n ls g§O` HwŸ_ma, gaHŸmas Zm[_Vs [ZXoeHŸ, h_mao ~¡§HŸ HoŸ _§Sb _o§ [XZm§HŸ 12.09.2014 H$mo em[_b hwE.

3. ls àHŸme M§Ð Zbdm`m, J¡a-A[YHŸmas [ZXoeHŸ, [XZm§HŸ 19.05.2014 HŸmo CZHoŸ 3 df© HoŸ HŸm`©HŸmb HŸs g_mpßV na ~¡§HŸ HoŸ [ZXoeHŸ Zht aho.

4. ls AemoHŸ JwßVm, J¡a-A[YHŸmas [ZXoeHŸ [XZm§HŸ 10.11.2014 HŸmo CZHoŸ 3 df© HoŸ HŸm`©HŸmb HŸs g_mpßV na ~¡§HŸ HoŸ [ZXoeHŸ Zht aho.

5. ls EM. hase ~ëbmb, A[YHŸmas-HŸ_©Mmas [ZXoeHŸ, [XZm§HŸ 24.01.2015 H$mo CZHoŸ 3 df© HoŸ HŸm`©HŸmb HŸs g_mpßV na ~¡§HŸ HoŸ [ZXoeHŸ Zht aho.

`Wm [XZm§HŸ HŸmo ~¡§HŸ HoŸ [ZXoeHŸ _§Sb _o§ [ZåZm§[HŸV [ZXoeHŸ h¡§ -

1. ls [HŸemoa gm§gs, à~§Y [ZXoeHŸ Ed§ gsB©Amo

2. ls HoŸ.Ama.eoU¡, HŸm`©HŸmas [ZXoeHŸ

3. ls ~s.Eg.am_m amd, HŸm`©HŸmas [ZXoeHŸ

4. ls g§O` HwŸ_ma, gaHŸmas Zm[_Vs [ZXoeHŸ

5. ls_Vs gw_m d_m©, ^m.[a.~¡§. Zm[_Vs [ZXoeHŸ

6. ls ns. d¡ÚZmWZ, eoàYmaHŸ [ZXoeHŸ

7. ls_Vs ^maVs amd, eoàYmaHŸ [ZXoeHŸ

8. ls dmB©._wabsH¥ŸîUm, HŸm_Jma [ZXoeHŸ

Am^ma

{ZXoímHŸ _§Sb g§JRZmË_HŸ {dHŸmg Am¡a CËH¥ŸîQVm HoŸ n«{V J«mhHŸm| go n«mßV g§aúmÊm, íomàÜmmaHŸm| HŸm gh`moJ, gaHŸmar n«m{ÜmHŸm{a`m| Am¡a ämmaVr` {aOd© ~¢HŸ go n«mßV A_yë` _mJ©Xím©Z Am¡a gh`moJ, g_rúmm dîm© HoŸ Xm¡amZ AnZo HŸm`©HŸmb HŸmo g_mßV {HŸE {ZXoímHŸm| HŸmo Am¡a gämr ñQm\Ÿ gXñ`m| HŸmo AnZo nyao gh`moJ HoŸ {bE AnZr H¥ŸVkVm n«HŸQ HŸaVm h¡.

[ZXoeHŸ _§Sb HoŸ [bE Am¡a CZHŸs Amoa go,

àYmZ HŸm`m©b`, ~o§Jbya [HŸemoa gm§gs

[XZm§HŸ : 12.05.2015 à~§Y [ZXoeHŸ Ed§ gsB©Amo

28

1. ~¡§HŸ HoŸ H§ŸnZs A[êmgZ g§~§Ys [gÕmÝV

~¡§HŸ HŸs n[a^mfm _o§ H§ŸnZs A[êmgZ go VmËn`© h¡-~ohVasZ à~§YZ nÕ[V HŸmo bmJy HŸaZm, HŸmZyZ HŸm eãXmo§ Am¡a ^mdmo§ go nyU© ê$n go AZwnmbZ,

à^mdHŸmas à~§YZ d AmpñV`mo§ HoŸ [dVaU HoŸ [bE Z¡[VHŸ _mZHŸmo§ HŸm AZwnmbZ VWm g^s eoàYmaHŸmo§ HoŸ XsK©HŸmbsZ [dHŸmg gm_m[OHŸ Xm[`Ëdmo§

HŸmo [Z^mZm AnZs CËH¥ŸîQVm HŸs ImoO _o§ ~¡§HŸ g§gmYZmo§ HŸm BîQV_ Cn`moJ HŸaHoŸ g^s ñVamo§ na [ZînmXZ gw[Z[íÀmV HŸaVo hwE CÀMV_ à[Vbm^

nmZo d eoàYmaHŸmo§ HoŸ [hV HŸs aúmm HŸaVo hwE CZHŸs _mÝ`Vm ~TmZo HoŸ [bE AnZo à`mgmo§ HŸmo Omas aIoJm. ~¡§HŸ gm§[d[YHŸ AnoúmmAm| HŸmo hs Zht

~pëHŸ ñd¡pÀNHŸ ê$n go g_W© H§ŸnZs A[êmgZ àUmbs [ZY©[aV HŸa CZHŸm AZwnmbZ ^s HŸaoJm.

AV: ~¡§HŸ AnZo eoàYmaHŸmo§ HoŸ à[V, AnZo AmnHŸmo Ý`mg _mZVm h¡ VWm eoàYmaHŸmo§ HŸs g§n[Îm HŸmo g¥[OV HŸaZm d Cgo gwa[úmV aIZm AnZs

[μOå_oXmas g_ÂmVm h¡. ~¡§HŸ Bgo à^mds H§ŸnZs aUZs[V`mo§, g{HŸ«`mË_HŸ HŸmamo~ma `moOZmAmo§, Zs[V`mo§ VWm à{HŸ«`mAmo§ HoŸ _mÜ`_ go AnZmVm h¡ [Oggo

Z¡[VHŸ d {d[YHŸ [μOå_oXm[a`mo§ HŸs ny[V© HŸs Om gHoŸ.

HŸmnmo©aoQ HŸm`moª HoŸ _§Ìmb` (E_gsE) Ûmam HŸmnmo©aoQ àemgZ _o§ ewé HŸs JB© h[aV nhb

HŸmnmo©aoQ HŸm`moª HoŸ _§Ìmb` Zo n[anÌ Omas HŸa eoàYmaHŸmo§ HŸmo dm[f©HŸ [dÎms` n[aUm_mo§ HŸs à[V`m§ g[hV XñVmdoμO/gyMZmE± Am[X ^m¡[VHŸ ê$n go

ôOZo HoŸ ~Xbo BbŠQ—m[ZHŸ ê$n _o§ ào[fV HŸaZo HoŸ g§~§Y _o§ ñnîQsHŸaU [X`m h¡. Bggo g_mO HŸmo, HŸmJO HŸs InV HŸ_ [HŸE OmZo go bm^ nhw±MoJm

Am¡a ~Xbo _o§ Bggo d¥úmmo§ HŸs aúmm hmoJs [Oggo [Za§Va h[aV dmVmdaU HŸm [Z_m©U hmo gHoŸJm. BbŠQ—m[ZHŸ _mÜ`_ go XñVmdoμO/gyMZmE± ào[fV HŸaZo

go g_` na gyMZm nhw±MmZo VWm BZHoŸ amñVo _o§ ZîQ hmoZo go ~MZo HŸmo ^s gw[Z[íÀmV [HŸ`m Om gHŸVm h¡. h_Zo AnZo g^s eoàYmaHŸmo§ go AZwamoY

[HŸ`m h¡ [HŸ do AnZo B©-_ob nVm h_mao nmg n§OsH¥ŸV HŸadmE± Vm[HŸ h_ ^maV gaHŸma Ûmam ewé HŸs JB© h[aV nhb HŸm AZwnmbZ HŸa gHo§Ÿ.

2. [ZXoeHŸ _§Sb

AÀNs HŸmnmo©aoQ àemgZ CÀM ñVa na [ZXoeHŸ _§Sb VWm CÀM à~§Y dJ© go ewê hmoVm h¡ Omo [HŸ C[MV [ZU©` boHŸa ~¡§HŸ HŸmo CËH¥ŸîQVm HoŸ CÀMV_

_mZHŸ àmßV HŸaZo hoVw _mJ©[ZXo©e àXmZ HŸaVo h¡§. ~¡§HŸ HoŸ {ZXoeH$ _§Sb Am¡a AÝ¶ g{‘{V¶m| HŸm JRZ, ~¡§HŸHŸmas H§ŸnZs (CnH«$_mo§ HŸm AO©Z d A§VaU)

A[Y[Z`_, 1980, ~¢qH$J {d{Z¶‘Z A{Y{Z¶‘, 1949 Am¡a amîQ—s`H¥ŸV ~¡§HŸ (à~§YZ VWm [d[dY àmdYmZ) `moOZm, 1980 Ed§ Bg g§~§Y ‘|

^m.[a.~¢ Ho$ {ZXoe / ^maV gaH$ma Ho$ {Xem{ZX}e AmB©grEAmB© boIm§H$Z ‘mZH$ HoŸ AZwgma [HŸ`m J`m h¡.

2.1 `Wm [XZm§HŸ 31.03.2015 HŸmo [ZXoeHŸ _§Sb HŸs g§aMZm

HŸm`©HŸmas 3

J¡a HŸm`©HŸmas 3

J¡a HŸm`©HŸmas ñdV§Ì 2

HwŸb 8

[ZXoeHŸ, ~¡§HŸ HoŸ [dHŸmg HoŸ [bE, AnZo d¡[dÜ` kmZ, AZw^d Am¡a AnZo [d[eîQ úmoÌmo§ _o§ [deofkVm HoŸ gmW AnZm CËH¥ŸîQ `moJXmZ XoVo aho h¡§.

H§ŸnZs emgZ na [dO`m ~¡§HŸ HoŸ[ZXoeHŸ _§Sb HŸs [anmoQ© - 2014 - 15

H§ŸnZs emgZ

29

2.2 `Wm [XZm§HŸ 31.03.2015 HŸmo [ZXoeHŸ _§Sb HŸs g§aMZm [ZåZmZwgma h¡ :

H«$_ g§.

[ZXoeHŸ HŸm Zm_ nXZm_ [ZXoeHŸ-nX HŸm ñdê$n nX g§^mbZo HŸs Vm[aI

1. ls [HŸemoa gm§gs à~§Y [ZXoeHŸ Ed§ gsB©Amo HŸm`©nmbHŸ 01.01.2015

2. ls HoŸ.Ama.eoU¡ HŸm`©HŸmas [ZXoeHŸ HŸm`©nmbHŸ 18.06.2012

3. ls ~s.Eg.am_m amd HŸm`©HŸmas [ZXoeHŸ HŸm`©nmbHŸ 27.09.2013

4. ls g§O` HwŸ_ma gaHŸmas Zm[_Vs J¡a - HŸm`©nmbHŸ 12.09.2014

5. ls_Vs gw_m d_m© ^maVs` [aOd© ~¡§HŸ Zm[_Vs J¡a - HŸm`©nmbHŸ 30.07.2010

6. ls_Vs ^maVs amd Zm[_Vs - eoàYmaHŸ J¡a - HŸm`©nmbHŸ ñdV§Ì 07.08.2014

7. ls ns.d¡ÚZmWZ Zm[_Vs - eoàYmaHŸ J¡a - HŸm`©nmbHŸ ñdV§Ì 07.08.2014

8. ls dmB©._wabsH¥ŸîUm HŸm_Jma [ZXoeHŸ J¡a - HŸm`©nmbHŸ 02.11.2013

df© HoŸ Xm¡amZ [ZXoeHŸmo§ HŸs [Z`w[º/HŸm`©HŸmb HŸs g_mpßV

*1 ls [HŸemoa gm§gs HŸmo [XZm§HŸ 01.01.2015 go à~§Y [ZXoeHŸ Ed§ grB©Amo HoŸ ê$n _o§ [Z`wº [HŸ`m J`m h¡.

*2 ls ds.HŸÊUZ Zo A[Yd[f©Vm àmpßV HŸaZo na [XZm§HŸ 31.12.2014 HŸmo AÜ`úm Ed§ à~§Y [ZXoeHŸ HŸm HŸm`m©b` NmoSm.

*3 ls g§O` HwŸ_ma HŸmo [XZm§HŸ 12.09.2014 go ^maV gaHŸma HoŸ Zm[_Vs [ZXoeHŸ HoŸ ê$n _o§ [Z`wº [HŸ`m J`m h¡.

*4 ls ds.HoŸ.MmonSm Zo A[Yd[f©Vm àmpßV HŸaZo na [XZm§HŸ 31.07.2014 HŸmo ^maV gaHŸma HoŸ Zm[_Vs [ZXoeHŸ HŸm HŸm`m©b` NmoSm.

*5 ls ns.gs.Zbdm`m Zo AnZo HŸm`©HŸmb g_mßV hmoZo na [XZm§HŸ 19.05.2014 HŸmo J¡a-A[YHŸmas [ZXoeHŸ HŸm HŸm`m©b` NmoSm.

*6 ls AemoHŸ JwßVm Zo AnZo HŸm`©HŸmb g_mßV hmoZo na [XZm§HŸ 10.11.2014 HŸmo J¡a-A[YHŸmas [ZXoeHŸ HŸm HŸm`m©b` NmoSm.

*7 ls_Vs ^maVs amd HŸmo [XZm§HŸ 07.08.2014 go eoàYmaHŸ Zm[_Vs [ZXoeHŸ HoŸ ê$n _o§ nwZ…[Zdm©[MV [HŸ`m J`m h¡.

*8 ls ns.d¡ÚZmWZ HŸmo [XZm§HŸ 07.08.2014 go eoàYmaHŸ Zm[_Vs [ZXoeHŸ HoŸ ê$n _o§ nwZ…[Zdm©[MV [HŸ`m J`m h¡.

*9 ls hase ~ëbmb Zo [XZm§HŸ 24.01.2015 HŸmo CZHoŸ HŸm`©HŸmb g_mpßV na A[YHŸmas HŸm_Jma [ZXoeHŸ Zht aho.

2.3 df© 2014-15 HoŸ Xm¡amZ [Z`wº [ZXoeHŸmo§ HŸm n[aM`

Zm_ ls [HŸemoa gm§gs

OÝ_ [V[W 19.08.1957

C_« 57 df©

Ah©Vm E_.Eggs., E_.[\Ÿb., E_.QoHŸ

[ZXoeHŸ HoŸ ê$n _o§ [Z`w[º HŸm ñdê$n à~§Y [ZXoeHŸ Ed§ gsB©Amo

ls [HŸemoa gm§gs HŸmo, [X.31.12.2014 HŸs A[YgyMZm g§.E\Ÿ.g§.4/4/2013--~sAmo.I (i) HoŸ μO[aE amîQ—s`H¥ŸV ~¡§HŸmo§ (à~§YZ VWm [d[dY àmdYmZ) `moOZm, 1970/1980 HoŸ I§S 3 HoŸ Cn-I§S (1) VWm I§S 8 HoŸ Cn-I§S (1) HoŸ gmW n[RV ~¡§qHŸJ H§ŸnZs (CnH«$_mo§ HŸm AO©Z Ed§ A§VaU) A[Y[Z`_, 1970/1980 HŸs Ymam 9 HŸs Cn-Ymam (3) HoŸ I§S (HŸ) HoŸ AYsZ ^maV gaHŸma Ûmam ~¡§HŸ HoŸ à~§Y [ZXoeHŸ Ed§ gsB©Amo HoŸ ê$n _o§ [Z`wº [HŸ`m J`m h¡.

30

AZw^d ls [HŸemoa gm§gs Zo [Xëbs [dœ[dÚmb` go E_.Eggs. HŸs Am¡a E_.{\Ÿb Am¡a AmB©AmB©QsB©,

ZB© [Xëbs go E_.QoHŸ. HŸs Cnm[Y hm[gb HŸs h¡. BÝhm|Zo `yEg HŸs AmB©EgEgsE go gsAmB©EgE

^s àmßV {HŸ`m h¡§.

BÝho§ ~¡§qHŸJ _o§ 35 df© HŸm CËH¥ŸîQ AZw^d h¡ [Og Xm¡amZ BÝho§ [d[^ÝÝm úmoÌmo§ _o§ AZoHŸmo§ nwañHŸma

Am¡a nhMmZ àmßV hwB© h¡§. do 3 _B©, 1980 HŸmo Amo[aE§Q>b ~¢H$ Am°’$ H$m°‘g© ‘| A[YHŸmas HoŸ

ê$n _o§ [Z`wº hwE Wo. AJñV 2013 _o§ n§Om~ EÊS qgY ~¡§HŸ _o§ HŸm`©HŸmas [ZXoeHŸ HoŸ nX na

Ab§H¥ŸV hwE. AnZo àMwa e¡[úmHŸ Ah©Vm HoŸ gmW-gmW BÝho§ Xoe-[dXoemo§ _o§ [d[^ÝÝm àHŸma HŸm

à[eúmU ^s àmßV hwAm.

Zm_ ls g§O` HwŸ_ma

OÝ_ [V[W 16.04.1971

C_« 44 df©

Ah©Vm E_.E.,E_.~s.E. ([dÎm)

[ZXoeHŸ HoŸ ê$n _o§ [Z`w[º HŸm ñdê$n ^maV gaHŸma Zm[_Vs [ZXoeHŸ

AZw^d ls g§O` HwŸ_ma HŸmo, [X.12.09.2014 HŸs A[YgyMZm g§.E\Ÿ.g§.6/3/2012--~sAmo.&

HoŸ μO[aE amîQ—s`H¥ŸV ~¡§HŸmo§ (à~§YZ VWm [d[dY àmdYmZ) `moOZm, 1970/1980 HoŸ I§S 3

HoŸ Cn-I§S (1) HoŸ gmW n[RV ~¡§qHŸJ H§ŸnZs o(CnH«$_mo§ HŸm AO©Z Ed§ A§VaU) A[Y[Z`_,

1970/1980 HŸs Ymam 9 HŸs Cn-Ymam (3) HoŸ I§S (HŸ) HoŸ AYsZ ^maV gaHŸma Ûmam ~¡§HŸ HoŸ

^maV gaHŸma HoŸ Zm[_Vs [ZXoeHŸ HoŸ ê$n _o§ [Z`wº [HŸ`m J`m h¡.

ls g§O` HwŸ_ma Os g§à[V [dÎm _§Ìmb` HoŸ [dÎms` godmE§ [d^mJ _o§ Cn-g[Md HŸs h¡[g`V go

HŸm`©aV h¡§. dV©_mZ _o§ do G$U dgybs àm[YHŸaU g§^mb aho h¡§. ls g§O` HwŸ_ma Os 1997 ~¡M

HoŸ go§Q—b goH«o$Q>o[a`Q gds©gg HoŸ A[YHŸmas h¡§ Am¡a [OÝho§ Ho§ŸÐ d amÁ` gaHŸmas [d^mJmo§ _o§ 15

df© HŸm HŸm`m©Zw^d h¡.

2.4 _§Sb HŸs ~¡RHo§Ÿ :

g_súmmYsZ df© HoŸ Xm¡amZ, ZsMo Cpëb[IV VmasImo§ HŸmo _§Sb HŸs 16 ~¡RHo§Ÿ hwB©§, O~[HŸ amîQ—s`H¥ŸV ~¡§HŸ (à~§YZ Am¡a [d[dY àmdYmZ) `moOZm,

1980 HoŸ I§S 12 HoŸ A§VJ©V Ý`yZV_ 6 ~¡RHo§Ÿ ~wbmB© OmZs Ws.

21.04.2014 06.05.2014 26.05.2014 16.06.2014 27.06.2014 21.07.2014 28.07.2014 19.09.2014

31.10.2014 07.11.2014 01.12.2014 31.12.2014 17.01.2015 30.01.2015 14.02.2015 14.03.2015

_§Sb HŸs Cn`w©º ~¡RHŸmo§ HoŸ A[V[aº ~¡§HŸ Zo [dÎm _§Ìmb` HoŸ nÌ [XZm§HŸ 10.07.2012 HoŸ [ZXoemo§ HoŸ AZwê$n àËòHŸ [V_mhs HoŸ [bE _§Sb HŸs 4

[deof ~¡RHŸmo§ HŸm Am`moOZ à_wI Zs[V VWm aUZs[V`wº _wÔmo§ na [dMma-[d_e© HŸaZo HoŸ [bE [HŸ`m h¡.

21.04.2014 21.07.2014 01.12.2014 14.02.2015

31

[ZXoeHŸmo§ HoŸ g§~§[YV HŸm`©HŸmb HoŸ Xm¡amZ hwB©§ _§Sb HŸs ~¡RHŸmo§ _o§ CZHŸs CnpñW[V HoŸ ã`m¡ao ZsMo àñVwV h¡ :

2.5 _§Sb HŸs ~¡RHŸmo§ _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_ g§.

[ZXoeHŸ HŸm Zm_ Ad[Y 2014-15 Ho$ Xm¡amZ hþB© ~¡RH$m| H$s g§»¶m

{H$VZr ~¡R>H$m| ‘| ^mJ {b¶m

{nN>br dm{f©H$ gm‘mÝ¶ ~¡R>H$ ‘|

CnpñW{V

1. ls [HŸemoa gm§gs *1 01.01.2015 - 31.03.2015 5 5 bmJy Zht

2. ls ds.HŸÊUZ *2 01.04.2014 - 31.12.2014 15 15 hm§

3. ls HoŸ.Ama.eoU¡ 01.04.2014 - 31.03.2015 20 20 hm§

4. ls ~s.Eg.am_m amd 01.04.2014 - 31.03.2015 20 20 hm§

5. ls g§O` HwŸ_ma*3 12.09.2014 - 31.03.2015 11 9 bmJy Zht

6. ls ds.HoŸ.MmonSm*4 01.04.2014 - 31.07.2014 9 9 hm§

7. ls_Vs gw_m d_m© 01.04.2014 - 31.03.2015 20 20 hm§

8. ls ns.gs.Zbdm`m*5 01.04.2014 - 19.05.2014 3 3 hm§

9. ls AemoHŸ JwßVm*6 01.04.2014 - 10.11.2014 12 9 hm§

10. ls_Vs ^maVs amd*7 07.08.2014 - 31.03.2015 20 18 hm§

11. ls ns.d¡ÚZmWZ*8 07.08.2014 - 31.03.2015 20 17 hm§

12. ls EM.hase ~ëbmb*9 01.04.2014 - 24.01.2015 16 16 hm§

13. ls dmB©._wabsH¥ŸîUm 01.04.2014 - 31.03.2015 20 20 hm§

3. _§Sb HŸs g[_[V`m§ :

EgB©~sAmB©, ^m.[a.~¡§. Am¡a [dÎm _§Ìmb` HŸs AnoúmmAmo§/[ZXoemo§ Ho ŸAZwên, _§Sb Zo [ZXoeHŸmo§ HŸs ZsMo Cpëb[IV g[_[Vò§ HŸm JRZ [HŸ`m h¡. ò

g[_[V`m§, CZHŸmo gm¡§no JE HŸm_ HoŸ AYsZ AmZodmbs J[V[d[Y`mo§ na Am¡a [ZYm©[aV _mJ©[ZXo©emo§ HoŸ AZwgma [d[eîQ d gHo§Ÿ[ÐV emgZ àXmZ HŸaVs h¡:

1. à~§Y g[_[V

2. boImnasúmm g[_[V

3. {hVH$maH$ g§~§Y g{‘{V

4. eoà A§VaU g[_[V

5. Omo[I_ à~§YZ g[_[V

6. CÀM _yë` YmoImYSs HŸs g_súmm hoVw g[_[V

7. àYmZ HŸm`m©b` ñVa HŸs G$U AZw_moXZ g[_[V

8. [ZXoeHŸmo§ HŸs nXmoÝÝm[V g[_[V

9. J«mhHŸ godm g[_[V

10. nm[al[_HŸ g[_[V

11. Zm_m§HŸZ g[_[V

12. eoàYmaHŸ [ZXoeHŸmo§ HoŸ MwZmd _o§ Cå_sXdma HŸmo g_W©Z XoZo na [ZU©` boZo HŸs g[_[V

13. gy.àm¡. ñQs`qaJ g[_[V

32

14. dgybs [ZJamZs hoVw g[_[V

15. àemg[ZHŸ àm[YHŸmas HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ HoŸ A§[V_ AmXoemo§ HoŸ à[V HŸ_©Mmas Ûmam [XE JE Ansb na [dMma HŸaZo hoVw g[_[V 16. EnsEAma g_súmm g[_[V

17. HŸm°nmo©aoQ gm_m[OHŸ Xm[`Ëd g[_[V 18. BamXVZ MyH$H$Vm© Ho$ ê$n ‘| nhMm{ZV CYmaH$Vm©Am| go g§~§{YV g‘rjm g{‘[V

17. ‘mZd g§gmYZ g[_[V

3.1 _§Sb HŸs à~§Y g[_[V :

[dÎm _§Ìmb`, ̂ maV gaHŸma HoŸ [ZXoemo§ HoŸ gmW n[RV amîQ>—r¶H¥ŸV ~¡§HŸ (à~§YZ Am¡a [d[dY àmdYmZ) ̀ moOZm, 1980 HoŸ I§S - 13 HŸm AZwgaU HŸaVo

hwE _§Sb HŸs à~§Y g[_[V HŸm JRZ [HŸ`m J`m h¡. _§Sb HŸs à~§Y g[_[V HoŸ JRZ HŸm CÔoí` h¡, VmpËdHŸ X¥pîQ go _hËdnyU© HŸmamo~ma g§~§Ys [d[^ÝÝm

_m_bmo§ na [dMma HŸaZm O¡go; ZB© O_m `moOZmE§ ewê HŸaZo, gs_mAmo| HŸs _§Oyas Mmho [Z[Y AmYm[aV hmo `m [Z[YòVa AmY[aV hmo, g_Âmm¡Vm/~Åo

ImVo SmbZo, ny§OsJV Am¡a amOñd IM© HŸs _§Oyas, n[aga, [Zdoe, XmZ Am[X HoŸ [bE AZw_moXZ àmßV HŸaZm. g[_[V CZ A[YHŸmamo§ HŸm à`moJ HŸaVs

h¡ [Ogo, Ho§ŸÐ gaHŸma HoŸ AZw_moXZ go Am¡a ^maVs` [aOd© ~¡§HŸ HŸs gh_[V go Cgo _§Sb Ûmam [X`m OmE.

g_súmmYsZ df© HoŸ Xm¡amZ, _§Sb HŸs à~§Y g[_[V (E_gs~s) HŸs 16 ~¡RHo§Ÿ hwB©§. df© HoŸ Xm¡amZ hwB©§, E_gs~s HŸs ~¡RHŸmo§ HoŸ ã`m¡ao Am¡a [ZXoeHŸ

gXñ`mo§ HŸs CnpñW[V HoŸ ã`m¡ao ZsMo [XE JE h¡§ :

21.04.2014 05.05.2014 26.05.2014 16.06.2014 27.06.2014 21.07.2014 26.08.2014 19.09.2014

13.10.2014 31.10.2014 22.11.2014 22.12.2014 17.01.2015 30.01.2015 14.02.2015 14.03.2015

3.1.1 E_gs~s HŸs ~¡RHŸmo§ _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_ g§.

[ZXoeHŸ HŸm Zm_ nXZm_ Ad[Y 2014-15 HoŸ Xm¡amZ hwB© ~¡RHŸmo§

HŸs g§»`m

~¡RHŸmo§ _o§ CnpñW[V

1. ls [HŸemoa gm§gs*1 AÜ`úm 01.01.2015 - 31.03.2015 4 4

2. ls ds.HŸÊUZ*2 AÜ`úm 01.04.2014 - 31.12.2014 12 12

3. ls HoŸ.Ama.eoU¡ HŸm`©HŸmas [ZXoeHŸ 01.04.2014 - 31.03.2015 16 16

4. ls ~s.Eg.am_m amd HŸm`©HŸmas [ZXoeHŸ 01.04.2014 - 31.03.2015 16 16

5. ls_Vs gw_m d_m© gXñ` 01.04.2014 - 31.03.2015 16 15

6. ls ns.gs.Zbdm`m*5 gXñ` 01.04.2014 - 19.05.2014 2 2

7. ls AemoHŸ JwßVm*6 gXñ` 01.04.2014 - 10.11.2014 10 09

8. ls_Vs ^maVs amd*7 gXñ` 07.08.2014 - 31.03.2015 14 11

9. ls ns.d¡ÚZmWZ*8 gXñ` 07.08.2014 - 31.03.2015 8 6

10. ls EM.hase ~ëbmb*9 gXñ` 01.04.2014 - 24.01.2015 10 10

11. ls dmB©._wabsH¥ŸîUm gXñ` 01.04.2014 - 31.03.2015 10 10

33

3.2 [ZXoeHŸmo§ HŸs boImnasúmm g[_[V

^maVs` [aOd© ~¡§HŸ HoŸ [ZXoemo§, H§ŸnZs A[Y[Z`_, 1956 HoŸ àmdYmZmo§ Am¡a gyMs ~ZmZo g§~§Ys HŸamaZm_mo§ HoŸ AZwgma, _§Sb HŸs boImnasúmm g[_[V

(Egs~s) HŸm JRZ [HŸ`m OmVm h¡ Am¡a CgHoŸ HŸm_HŸmO V` [HŸE OmVo h¡§. Egs~s, ~¡§HŸ _o§ boIm nasúmm go g§~§[YV g~ àHŸma HoŸ HŸm_HŸmO HoŸ

g§~§Y _o§ [ZXo©e XoVs h¡. Bg_o§ em[_b h¡§; ~¡§HŸ HoŸ A§Xa Am§V[aHŸ boIm nasúmm Am¡a [ZasúmU HŸm g§JRZmË_HŸ Am¡a JwUdÎmm [Z`§ÌU Am¡a ~¡§HŸ

HŸs gm§[d[YHŸ/~mø boIm nasúmm VWm ^maVs` [aOd© ~¡§HŸ HoŸ [ZasúmU HŸm AZwdV©Z.H§ŸnZs HoŸ g^s gXñ`mo§ HŸmo [dÎm HŸm AÀNm kmZ h¡.

boImnasúmm g[_[V HoŸ HŸm_HŸmO Bg àHŸma h¡§ :

· ~¡§HŸ HŸs [dÎms` [anmoQ© à{H«$`m na [ZJamZs aIZm VWm [dÎms` OmZHŸmas ghs, n`m©ßV Am¡a [dœgZs` àHŸQZ gw[Z[íÀmV HŸaZm;

· à~§Y dJ© HoŸ gmW, [V_mhs [dÎms` [ddaUmo§ HŸs g_súmm HŸaZm Am¡a Bg [gb[gbo _o§ BZ ~mVmo§ na Img ~b XoZm O¡go; boIm Zs[V`m§ Am¡a

n[anmQs, [dÎms` [ddaUmo§ go g§~§[YV boIm _mZHŸmo§ Am¡a AÝ` HŸmZyZs AnoúmmAmo§ HŸm nmbZ HŸaZm, boIm nasúmm _o§ [Z[X©îQ AnoúmmAmo§ HŸs ny[V©

HŸaZm, [dÎms` g§ñWmAmo§, g§~§[YV nmQs© HoŸ boZ-XoZ Am[X HoŸ ~mao _o§ eoà ~mOma HoŸ _mJ©[ZXo©emo§ Am¡a HŸmZyZs AnoúmmAmo§ HŸs ny[V© HŸaZm.

· CZ _m_bmo§ _o§, Ohm§ YmoImYSs HŸm eHŸ hmo AWdm A[Z`[_Vm ̀ m Am§V[aHŸ [Z`§ÌU nÕ[V`mo§ HŸs ZmHŸm_s ZOa AmE, Am§V[aHŸ boIm nasúmHŸmo§

Ûmam HŸs JB© Om§M HoŸ [ZîHŸfmoª HŸs g_súmm HŸaZm VWm [Z`§ÌU V§Ì _O~yV HŸaZo HoŸ [bE gwÂmmd XoZm.

· dm[f©HŸ/AY©-dm[f©HŸ Am¡a [V_mhs ImVmo§ Am¡a [anmoQmoª HoŸ A§[V_ ê$n go nhbo Ho§ŸÐs` gm§[d[YHŸ boIm nasúmHŸmo§ HoŸ gmW [dMma- [d_e© HŸaZm

Am¡a ImgHŸa boIm Zs[V`mo§ Am¡a n[anm[Q`mo§ Ed§ boIm nasúmm [anmoQ© HoŸ àmê$n _o§ n[adV©Zmo§ na Img Ü`mZ XoZm.

· O_mHŸVm©Amo§, eoàYmaHŸmo§, [S~o§Ma YmaHŸmo§ Am¡a boZXmamo§, HŸmo [HŸE OmZodmbo ^wJVmZ _o§ HŸm\Ÿs hX VHŸ `[X HŸmoB© MyHŸ hwB© hmo Vmo CgHŸs dOh

OmZZm.

· à~§Y dJ© HoŸ gmW gm§[d[YHŸ d Am§V[aHŸ boIm nasúmHŸmo§ HŸm HŸm`© [ZînmXZ Am¡a Am§V[aHŸ [Z`§ÌU nÕ[V`mo§ HŸs n`m©ßVVm HŸs g_súmm, [HŸgs

_hËdnyU© [ZîHŸfmoª na Am§V[aHŸ boIm nasúmHŸmo§ go MMm© d Cg na AZwdV©Z.

· `h g[_[V ImgHŸa BZHoŸ AZwdV©Z na Ü`mZ XoVs h¡ :

HŸ) A§Va emIm g_m`moOZ ImVo

I) A§Va emIm ImVmo§ Am¡a ZmoñQ—mo ImVmo§ _o§ HŸm\Ÿs b§~o g_` go [_bmZ Z HŸs JB©§ à[dpîQ`m§

J) [d[^ÝÝm emImAmo§ _o§ ~HŸm`m nSm ~[h`mo§ HŸm g§VwbZ HŸm`©

K) YmoImYSs

L) Am§V[aHŸ boIm HŸm`© HoŸ à_wI úmoÌ

~¡§HŸ Zo, H§ŸnZs emgZ HoŸ ~w[Z`mXs VËdmo§ HŸs HŸÐ HŸaVo hwE Am¡a ^maVs` [aOd© ~¡§HŸ HoŸ [ZXoemo§ HŸm AZwgaU HŸaVo hwE, _§Sb HŸs boIm nasúmm g[_[V

HŸm JRZ [HŸ`m h¡ [Og_o§ 6 [ZXoeHŸ h¡§ [OgHoŸ AÜ`úm HoŸ ê$n _o§ J¡a-HŸm`©nmbHŸ ñdV§Ì [ZXoeHŸ h¡§ Omo gZXr boImH$ma h¢.

^m.[a.~¡§. HŸs AnoúmmZwgma, boImnasúmm g[_[V HŸs ~¡RHo§Ÿ gm_mÝ`V : [V_mhs _o§ HŸ_ go HŸ_ EHŸ ~ma Am¡a df© _o§ HŸ_ go HŸ_ N: ~ma ~wbm`s OmZs

Mm[hE. df© HoŸ Xm¡amZ boImnasúmm g[_[V HŸs ZsMo Cpëb[IV VmasImo§ HŸmo 12 ~¡RHo§Ÿ hwB©§.

21.04.2014 05.05.2014 16.06.2014 21.07.2014 28.07.2014 25.08.2014

06.11.2014 07.11.2014 22.11.2014 22.12.2014 30.01.2015 14.03.2015

34

3.2.1 Egs~s ~¡RHŸmo§ _o§ [ZXoeHŸmo§ H$s CnpñW[V HoŸ ã`m¡ao

H«$_ g§.


HŸs g§»`m


1. ls ns d¡ÚZmWZ*8

eoàYmaHŸ [ZXoeHŸ -

J¡a-HŸm`©HŸmas

AÜ`úm 07.08.2014 - 31.03.2015 12 10

2. ls ns gs Zbdm`m*5

J¡a-A[YHŸmas [ZXoeHŸ -

J¡a-HŸm`©HŸmas (gZXs boImHŸma)

AÜ`úm 01.04.2014 - 19.05.2014 2 2

3. ls HoŸ.Ama.eoU¡

HŸm`©HŸmas [ZXoeHŸ

HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 12 12

4. ls ~s.Eg.am_m amd


HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 12 12

5. ls g§O` HwŸ_ma *3

^maV gaHŸma Zm[_Vs - [ZXoeHŸ

J¡a-HŸm`©HŸmas

gXñ` 12.09.2014 - 31.03.2015 6 2

6. ls ds HoŸ MmonSm*4

^maV gaHŸma Zm[_Vs - [ZXoeHŸ

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014 - 31.07.2014 5 5

7. ls_Vs gw_m d_m©

^m.[a.~¡§. Zm[_Vs [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-31.03.2015 12 11

8. ls_Vs ^maVs amd*7

eoàYmaHŸ [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-31.03.2015 10 10

3.3 {hVYmaH$ g§~§Y g{‘{V

~¡§HŸ Zo, eoàYmaHŸmo§ Am¡a [ZdoeHŸVm©Amo§ HŸs, CZHŸs é[M go OwSo hwE _m_bmo§ na [eHŸm`Vmo§ HŸm [ZdmaU HŸaZo HoŸ BamXo go, eoàYmaHŸ/ [ZdoeHŸVm©

[eHŸm`V g[_[V HŸm JRZ [HŸ`m h¡.

`h g[_[V, eoàmo§ HoŸ A§VaU, àofU, ~¡§HŸ Ûmam Omas eoàmo§ HŸmo I§[SV HŸaZo Am¡a g_o[HŸV HŸaZo VWm eoàYmaHŸmo§ HŸs [HŸgs AÝ` [eHŸm`Vmo§ na

[ZJamZs aIVs h¡. AmJo, `h g[_[V [ZdoeHŸVm©Amo§ HŸs [eHŸm`Vmo§ HoŸ [ZdmaU na g_`~Õ T§J go [ZJamZs aIVs h¡. I§S> 49 ‘| AÚVZ g§emoYZ

Ho$ AZwgma Bg g{‘{V H$mo {hVYmaH$ g§~§Y g{‘{VHo$ ê$n ‘| nwZ:Zm{‘V {H$¶m J¶m.

g_súmmYsZ df© HoŸ Xm¡amZ, g[_[V HŸs ZsMo Cpëb[IV VmasImo§ HŸmo 4 ~¡RHo§Ÿ hwB©§ :

21.04.2014 21.07.2014 13.10.2014 30.01.2015

35

3.3.1 {hVYmaH$ g§~§Y g[_[V HoŸ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao :

H«$_

g§.

[ZXoeHŸ HŸm Zm_ nXZm_ Ad[Y 2014-15 HoŸ

Xm¡amZ hwB© ~¡RHŸmo§

HŸs g§»`m

~¡RHŸmo§ _o§

CnpñW[V


eoàYmaHŸ [ZXoeHŸ - J¡a-HŸm`©HŸmas

AÜ`úm 01.04.2014-31.03.2015 4 4


HŸm`©HŸmas [ZXooeHŸ

HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 4 4



HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 4 4

4. ls ns.gs.Zbdm`m*5


J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-19.05.2014 1 1

5. ls AemoHŸ JwßVm*6

J¡a-HŸm`©HŸmas [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-10.11.2014 2 1

6. ls ns.d¡ÚZmWZ*8

eoà YmaHŸ [ZXoeHŸ - J¡a-HŸm`©HŸmas

AÜ`úm 01.04.2014-31.03.2015 4 2

7. ls EM. hase ~ëbmb*9

A[YHŸmas HŸ_©Mmas [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014 - 24.01.2015 1 1

8. ls dmB©._wabsH¥ŸîUm

HŸm_Jma [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-31.03.2015 1 1

3.4. eoà A§VaU g[_[V

{hVYmaH$ g§~§Y HŸs [eHŸm`Vmo§ go g§~§[YV [ZXoeHŸmo§ HŸs Cn-g[_[V HoŸ Abmdm, ~¡§HŸ Zo, [ZXoeHŸmo§ HŸs eoà A§VaU g[_[V HŸm JRZ [HŸ`m h¡ [OgHoŸ

gXñ`mo§ HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ AWdm HŸm`©HŸmas [ZXoeHŸ (AÜ`úm Ed§ à~§Y [ZXoeHŸ HŸs AZwnpñW[V _o§) Am¡a Xmo J¡a-gaHŸmas [ZXoeHŸ

h¡§. g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V HŸs 8 ~¡RHo§Ÿ hwB©§, [OZHoŸ ã`m¡ao [ZåZmZwgma h¡§. BgHoŸ Abmdm HwŸN eoà A§VaUmo§ HŸs HŸm`©gy[M`m§ g[_[V HŸmo

n[aMm[bV HŸaHo ŸAZw_o[XV HŸadm`m J`m d ~mX _o§ [Z`[_V ~¡RHŸmo§ _o§ BÝho§ AZw_mo[XV d AZwg_[W©V HŸam [b`m J`m.

21.04.2014 16.06.2014 21.07.2014 26.08.2014

19.09.2014 13.10.2014 22.11.2014 14.03.2015

3.4.1 eoà A§VaU g[_[V _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_

g§.



HŸs g§»`m

~¡RHŸmo§ _o§

CnpñW[V

1. ls [HŸemoa gm§gs*1


AÜ`úm 01.01.2015-31.03.2015 1 1

36

2. ls ds HŸÊUZ*2

AÜ`úm Ed§ à~§Y [ZXoeHŸ

AÜ`úm 01.03.2014-31.12.2014 7 7



gXñ` 01.04.2014-31.03.2015 6 5



gXñ` 01.04.2014-31.03.2015 3 2



J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-24.01.2015 7 7

3.5. Omo[I_ à~§YZ g[_[V

Sm°.Jm§Jwbs g[_[V HŸs [g\Ÿm[aemo§ HoŸ AZwgma, ~¡§HŸ HŸs Omo[I_ à~§YZ Zs[V Am¡a EHŸsH¥ŸV Omo[I_ à~§YZ HoŸ [bE aU Zs[V ~ZmZo d ~¡§HŸ _o§ [d[^ÝÝm

Omo[I_ à~§YZ g[_[V`mo§ HoŸ gmW g_Ýd` HŸaZo HoŸ [bE ~¡§HŸ Zo 23.07.2003 HŸmo Omo[I_ à~§YZ g[_[V HŸm JRZ [HŸ`m.

g[_[V HoŸ HŸm_HŸmO :

1. Omo[I_ à~§YZ Zs[V Am¡a EHŸsH¥ŸV Omo[I_ à~§YZ HoŸ [bE aUZs[V ~ZmZm VWm ~¡§HŸ _o§ [d[^ÝÝm Omo[I_ à~§YZ g[_[V`mo§ HoŸ gmW g_Ýd`

HŸaZm.

2. Omo[I_ HŸmo _mnZo HoŸ [bE Zs[V`m§ Am¡a _mJ©[ZXo©e ~ZmZm.

3. Omo[I_ HoŸ g_ñV úmoÌmo§ _o§ à~§YZ Am¡a [anmoqQ©J.

4. `h gw[Z[íÀmV HŸaZm [HŸ Omo[I_ à~§YZ à{HŸ«`m (bmoJ, nÕ[V, n[aMmbZ, gs_m Am¡a [Z`§ÌU g[hV) go ~¡§HŸ HŸs Zs[V HŸs VwpîQ hmoVs h¡.

5. Omo[I_ Am§HŸZo HoŸ [bEo [dÎms` _mZHŸm| HŸmo gX¥T ~ZmZm Am¡a BñVo_mb HŸs Om aht g_ñV nÕ[V`mo§ HŸmo HŸmaJa ~ZmZm.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V HŸs 5 ~¡RHo§Ÿ hwB©§ [OZHoŸ ã`m¡ao ZsMo [XE JE h¡§ :

26.05.2014 21.07.2014 19.09.2014 01.12.2014 14.02.2015

3.5.1 Omo[I_ à~§YZ g[_[V HoŸ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_ g§.


HŸs g§»`m




AÜ`úm 01.01.2015-31.03.2015 1 1

2. ls ds HŸÊUZ*2


AÜ`úm 01.04.2014- 31.12.2014 4 4



HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 5 5



HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 5 5

37

H«$_ g§.


HŸs g§»`m




gXñ` 01.04.2014-31.03.2015 1 1



gXñ` 01.04.2014-31.03.2015 5 3

7. ls AemoHŸ JwßVm *6


J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-10.11.2014 3 2



J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-24.01.2015 3 3


HŸm_Jma [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014 - 31.03.2015 5 5

3.6. CÀM _yë` HŸs YmoImYSs go g~§[YV _m_bmo§ HŸs g_súmm HŸaZo HoŸ [bE g[_[V

EHŸ HŸamoS d Cggo A[YHŸ aHŸ_ HŸs YmoImYSs HoŸ _m_bmo§ na [ZJamZs aIZo na [deof Ü`mZ XoZo HŸs X¥pîQ go, ^maVs` [aOd© ~¡§HŸ HoŸ _mJ©[ZXo©emo§ HoŸ

AZwgma, _§Sb HŸs g[_[V HŸm JRZ [HŸ`m J`m h¡.

g_súmmYsZ df© HoŸ Xm¡amZ g[_[V HŸs 5 ~ma ~¡RHo§Ÿ, ZsMo Cpëb[IV VmasImo§ HŸmo hwB© :

16.06.2014 21.07.2014 19.09.2014 17.01.2014 14.03.2015

3.6.1 CÀM _yë` HŸs YmoImYSs go g§~§[YV _m_bmo§ HŸs g_súmm HŸaZo HoŸ [bE g[_[V HoŸ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_ g§.


HŸs g§»`m




AÜ`úm 01.01.2015-31.03.2015 2 2

2. ls ds HŸÊUZ*2


AÜ`úm 01.04.2014-31.12.2014 3 3



HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 5 5



HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 5 5

5. ls g§O` HwŸ_ma*3

^maV gaHŸma Zm[_Vs [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 12.09.2014 - 31.03.2015 3 3

38

H«$_ g§.


HŸs g§»`m



^maV gaHŸma Zm[_Vs [ZXoeHŸ -

J¡a-HŸm`©HŸmas

gXñ` 01.04.2014 - 31.07.2014 2 2



gXñ` 01.04.2014-31.03.2015 3 3



gXñ` 01.04.2014-31.03.2015 5 4

9. ls EM.hase ~ëbmb*9


J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-24.01.2015 1 1


HŸm_Jma [ZXoeHŸ - J¡a-HŸm`©HŸmas

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3.7 àYmZ HŸm`m©b` ñVa HŸs GU AZw_moXZ g[_[V (EMEbgsgs) :

^maV gaHŸma Ûmam ào[fV nÌ g§.13/1/2006-~s.Amo.& [XZm§HŸ 05.12.2011 HoŸ μO[aE Omas [ZXo©e HoŸ AZwgma [X.28.12.2011 HŸmo hwB© ~¡RHŸ _o§

[ZXoeHŸ _§Sb Zo _§Sb HŸs GU AZw_moXZ g[_[V HoŸ JRZ HŸm AZw_moXZ [HŸ`m h¡. Cº A[YgyMZm HoŸ AZwgma, ` 3.00 bmI HŸamoS `m Cggo Á`mXm

HŸmamo~madmbo dJ© 'HŸ' HoŸ ~¡§HŸmo§ HoŸ _m_bo _o§ ` 400.00 HŸamoS VHŸ VWm AÝ` amîQ—s`H¥ŸV ~¡§HŸmo§ HoŸ _m_bo _o§ ` 250.00 HŸamoS VHŸ HoŸ GU àñVmdmo§

HŸs _§Oyas HoŸ g§~§Y _o§ g[_[V _§Sb HoŸ A[YHŸmamo§ HŸm à`moJ HŸaoJs. AÜ`úm Ed§ à~§Y [ZXoeHŸ g[hV ~¡§HŸ HoŸ A[YHŸm[a`mo§ HoŸ àË`m`mo[OV A[YHŸmamo§

go A[YHŸ GU àñVmdmo§ HŸmo g[_[V HoŸ g_úm AZw_moXZ hoVw àñVwV [HŸ`m OmEJm. Bg gs_m go A[YHŸ GU àñVmdmo§ HŸmo nhbo HŸs Vah [ZXoeHŸ _§Sb

HŸs à~§YZ g[_[V HoŸ g_úm _§Oyas hoVw àñVwV [HŸ`m OmEJm. GU àñVmdmo§ HŸmo _§Oya HŸaZo HoŸ Abmdm ([Z[Y d J¡a-[Z[Y AmYm[aV) ` 4.00 HŸamoS

VHŸ HoŸ GU g_Âmm¡Vm/~Åo ImVo SmbZo HoŸ àñVmdmo§ (YmoImYSs HoŸ _m_bmo§ HŸmo NmoSHŸa Omo [HŸ nhbo O¡gm _§Sb HŸs à~§YZ g[_[V HoŸ g_úm àñVwV

[HŸE OmE§Jo) HŸmo ^s g[_[V HoŸ g_úm àñVwV [HŸ`m OmEJm.

df© HoŸ Xm¡amZ EMEbgsgs HŸs 35 ~¡RHo§Ÿ [ZåZ[b[IV VmasImo§ _o§ Am`mo[OV hwB© :

05.04.2014 15.04.2014 23.04.2014 06.05.2014 15.05.2014 22.05.2014 27.05.201405.06.2014 18.06.2014 26.06.2014 12.07.2014 21.07.2014 04.08.2014 13.08.201426.08.2014 03.09.2014 09.09.2014 19.09.2014 25.09.2014 29.09.2014 16.10.201423.10.2014 30.10.2014 10.11.2014 22.11.2014 02.12.2014 10.12.2014 17.12.201422.12.2014 29.12.2014 28.02.2015 13.03.2015 24.03.2015 27.03.2015 30.03.2015

3.7.1 EMEbgsgs ~¡RHŸmo§ _o§ gXñ`mo§ HŸs CnpñW[V HoŸ ã`m¡ao

H«$_

g§.


Xm¡amZ hwB© ~¡RHŸmo§ HŸs g§»`m

~¡RHŸmo§ _o§

CnpñW[V

1. ls [HŸemoa gm§gs*1 à~§Y [ZXoeHŸ Ed§ gsB©Amo

AÜ`úm 01.01.2015-31.03.2015 5 5

2. ls ds HŸÊUZ*2

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39

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5. ls Qs.O`§V n¡

_hm à~§YHŸ, G$U (n)

gXñ` 01.04.2014-31.03.2015 11 11

6. ls ~s.e[eYa ho½So

_hm à~§YHŸ, G$U (n)

gXñ` 01.04.2014 -31.01.2015 25 25

7. ls E.Eg.amOsd

_hm à~§YHŸ, boIm

gXñ` 01.04.2014-31.03.2015 19 19

8. ls EM.ZmamÙ eoÅs

_hm à~§YHŸ, boIm

gXñ` 01.04.2014-31.08.2014 15 13

9. ls àXsn ZmBHŸ

_hm à~§YHŸ, G$U (g d d)

gXñ` 01.09.2014-31.03.2015 11 11

10. ls CX` HwŸ_ma

_hm à~§YHŸ, GU (g d d)

gXñ` 01.04.2014-31.08.2014 9 9

11. ls_Vs [Z_©bm lsYa

_hm à~§YHŸ, Omo.à.[d.

gXñ` 17.05.2014- 31.03.2015 27 26

12. ls E.gs.ñdmB©§

_hm à~§YHŸ, Omo[I_ à~§YZ

gXñ` 01.04.2014-31.03.2015 10 10

13. ls gVse ~ëbmb

_hm à~§YHŸ, G$U (IwXam)

gXñ` 01.08.2014- 31.03.2015 13 13

14. ls Oàm_ eoÅs.~s.

_hm à~§YHŸ, G$U (IwXam)

gXñ` 01.04.2014-31.07.2014 5 5

15. ls gË`ZmamÙ

C._.à., G$U (g d d)

gXñ` 01.04.2014-31.03.2015 1 1

3.8 nXmoÝÝm[V g§~§Ys [ZXoeHŸmo§ HŸs g[_[V

d[aîR à~§Y loUs - doVZ-_mZ - V Am¡a Cggo DŸna doVZ _mZ HoŸ HŸm`©nmbHŸmo§ HoŸ _m_bmo§ HŸs g_súmm HŸaZo HoŸ [bE, [dO`m ~¡§HŸ (A[YHŸmas) godm

[d[Z`_, 1982 HoŸ [d[Z`_ 19(2) HoŸ [Z`_mo§ HoŸ AZwgma EHŸ [deof g[_[V HŸm JRZ [HŸ`m J`m. `h g[_[V, AZwemg[ZHŸ _m_bmo§ Am¡a ~¡§HŸ HoŸ

esf© HŸm`©nmbHŸmo§(doVZ-_mZ VII) HŸs nXmoÝÝm[V na [ZJamZs aIVs h¡.

55 df© HŸs C_« hmoZo na `m CgHoŸ ~mX [HŸgs ^s g_` AWdm 30 df© HŸs HwŸb godm nyas HŸaZo HoŸ ~mX [HŸgs ^s g_`, A[YHŸmas HŸ_©Mm[a`mo§ HŸs

godm[Zd¥[Îm HŸs g_súmm HŸaZo HoŸ CÔoí` go Bg g[_[V HŸm JRZ [HŸ`m J`m. Bg g[_[V _o§, AÜ`úm Ed§ à~§Y [ZXoeHŸ, HŸm`©HŸmas [ZXoeHŸ, gaHŸmas

[ZXoeHŸ Am¡a ^maVs` [aOd© ~¡§HŸ HoŸ Zm[_Vs [ZXoeHŸ h¡§.

g_súmmYsZ df© HoŸ Xm¡amZ, Bg g[_[V HŸs 3 ~¡RHo§Ÿ hwB©§ :

16.06.2014 13.10.2014 17.01.2015

40

3.8.1 nXmoÝÝm[V g§~§Ys [ZXoeHŸmo§ HŸs g[_[V _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

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2. ls ds.HŸÊUZ*2


3. ls HoŸ.Ama.eoU¡ HŸm`©HŸmas [ZXoeHŸ

HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 3 3

4. ls ~s.Eg.am_m amd HŸm`©HŸmas [ZXoeHŸ

HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 3 3

5. ls g§O` HwŸ_ma*3o

^maV gaHŸma Zm[_Vs [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 12.09.2014-31.03.2015 2 2



gXñ` 01.04.2014-31.07.2014 1 1

7. ls_Vs gw_m d_m© ^m.[a.~¡§. Zm[_Vs [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-31.03.2015 3 3

3.9 J«mhHŸ godm g[_[V

^maVs` [aOd© ~¡§HŸ HoŸ [ZXoeo§ HŸm AZwgaU HŸaVo hwE, _§Sb Zo, ZsMo Cpëb[IV gXñ`mo§ HoŸ gmW 08.09.2004 HŸmo J«mhHŸ godm g[_[V HŸm JRZ

[HŸ`m.

_§Sb HŸs J«mhHŸ godm g[_[V go Anoúmm HŸs OmVs h¡ [HŸ dh :

1. J«mhHŸ godmAmo§ go g§~§[YV à{H«$`mAmo§ Am¡a [ZînmXZ boIm nasúmm HoŸ ~mao _o§ ~¡§HŸ HŸs VXW© g[_[V HoŸ HŸm_HŸmO na [ZJamZs aIo§.

2. ì`mnHŸ [Zúmon Zs[V ~ZmE§ Am¡a Cg_o§ Bg Vah HoŸ _m_bo OmoSo§ O¡go; O_mHŸVm© HŸs _¥Ë`w hmoZo na CgHŸm ImVm MbmZo HŸs as[V, CËnmX AZw_moXZ

à[H«$`m, O_mHŸVm©Amo§ HŸs g§VwpîQ HŸm dm[f©HŸ gdo©úmU Am¡a BZ godmAmo§ HŸs VsZ df© _o§ EHŸ ~ma boIm nasúmm.

3. J«mhHŸ godm HŸs JwUdÎmm ~TmZo HoŸ [bE ZdmoÝ_ofs Cnm` HŸaZm Am¡a

4. h_oem g~ àHŸma HoŸ J«mhHŸmo§ HŸs g§VwpîQ _o§ gwYma bmZm.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V HŸs 4 ~¡RHo§Ÿ hwB© :

26.05.2014 26.08.2014 06.11.2014 14.02.2015

3.9.1 J«mhHŸ godm g[_[V HoŸ [ZXoeHŸmo§ HŸs CnpñW[V g§~§Ys ã`moao

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Xm¡amZ hwB© ~¡RHŸmo§ HŸs g§»`m

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41

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5. ls ns. d¡ÚZmWZ*8

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J¡a A[YHŸmas [ZXoeHŸ - J¡a-HŸm`©HŸmas

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A[YHŸmas HŸ_©Mmas [ZXoeHŸ - J¡a-HŸm`©HŸmas

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8. ls dmB©._wabsH¥ŸîUm*5

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9. ls A_aZmW ho½So J«mhHŸmo§ HoŸ à[V[Z[Y

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3.10 nm[al[_HŸ g[_[V

^maV gaHŸma HoŸ _mJ©[ZXo©emo§ HoŸ AZwgma [ZXoeHŸmo§ HŸmo nm[al[_HŸ [X`m OmVm h¡. [X.09.03.2007 HoŸ ^maV gaHŸma HoŸ nÌm§HŸ E\Ÿ.g§.20/1/2005-

~sAmo.1 HoŸ AZwgma ~¡§HŸ [ZXoeHŸ _§Sb Zo [X.30.07.2007 HŸmo nm[al[_HŸ g[_[V HŸm JRZ [HŸ`m h¡. `h g[_[V ~¡§HŸ HoŸ nyU©HŸm[bHŸ [ZXoeHŸ AWm©V

AÜ`úm Ed§ à~§Y [ZXoeHŸ d HŸm`©HŸmas [ZXoeHŸ HoŸ [ZînmXZ AmYm[aV àmoËgmhZ HoŸ _yë`m§HŸZ VWm g§JV df© HoŸ `Wm 31 _mM© HŸmo nmÌ àmoËgmhZ

XoZo hoVw J[RV HŸs J`s h¡.

df© 2014-15 HoŸ Xm¡amZ, AÜ`úm Ed§ à~§Y [ZXoeHŸ, à~§Y [ZXoeHŸ Ed§ gsB©Amo Am¡a HŸm`©HŸmas [ZXoeHŸmo§ HŸmo [ZînmXZ go OwSs àmoËgmhZ am[e g[hV

nm[al[_HŸ HoŸ ã`m¡ao ZsMo àñVwV h¡§ :

[ddaU ls {HŸímmoa gm§gs (à.[Z. Ed§ gsB©Amo)

ls ds.HŸÊUZ (nyd© A.Ed§ à. [Z.)

ls HoŸ.Ama.eoU¡ (HŸm.[Z.)

ls ~s.Eg.am_m amd(HŸm.[Z.)

doVZ ` 4,68,855.00 ` 14,41,491.30 `17,06,509.80 ` 16.56.778.50

godm[Zd¥[Îm na gm.Nw. ZHŸXsHŸaU

------- ` 6,38,528.41 ------- -------

^Îmo ------- ------- ------- -------

^.[Z. na A§eXmZ ` 22,650.00 ` 69,309.00 ` 82,149.00 ` 79,755.00

AÝ` - [ZînmXZ go OwSm hwAm àmoËgmhZ

------- ` 1,47,945.00 ` 4,00,000.00 ` 2,03,836.00

42

AÝ` (Nw.[HŸ.[a.,

[M[HŸËgm, Am[X)

------- `10,554.74 ` 49,176.29 ` 79,843.47

AÝ` AZwbm^ ` 3740.00 ` 16,830.00 ` 19,200.00 ` 19,200.00

HwŸb ` 4,95,245.00 ` 23,24,658.45 ` 22,57,035.09 ` 20,39,412.97

ñQm°HŸ [dHŸën ------- ------- ------- -------

J¡a-HŸm`©nmbHŸ/ñdV§Ì [ZXoeHŸmo§ HŸmo ^maV gaHŸma HoŸ [ZXo©emZwgma _§Sb/g[_[V HŸs ~¡RHŸmo§ _o§ ^mJ boZo HoŸ [bE ~¡RHŸ ewëHŸ, `mÌm d [dam_ ì``

HŸmo NmoSμHŸa HŸmoB© nm[al[_HŸ Zht [X`m Om ahm h¡. ^maV gaHŸma HoŸ [ZXoemZwgma ~¡RHŸ ewëHŸ HŸm ^wJVmZ [HŸ`m OmVm h¡.

g[_[V HŸs g_súmmYsZ Ad[Y HoŸ Xm¡amZ 26.05.2014 HŸmo ~¡RHŸ Am`mo[OV HŸs JB©.

3.10.1 nm[al[_HŸ g[_[V HŸs ~¡RHŸ _o§ [ZXoeHŸmo§ HŸs CnpxñW[V HoŸ ã`m¡ao

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2. ls_Vs gw_m d_m©^m.[a.~¡§. Zm[_Vs [ZXoeHŸ - J¡a-HŸm`©HŸmas

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J¡a A[YHŸmas [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-10.11.2014 1 1


eoàYmaHŸ [ZXoeHŸ - J¡a-HŸm`©HŸmasgXñ` 01.04.2014-31.03.2015 1 -

3.11. Zm_m§HŸZ g[_[V

^maVs` [aμOd© ~¡§HŸ HoŸ [XZm§HŸ 01.11.2007 HoŸ nÌ g§ Ss~sAmoSs.g§ ~sgs.47/29.39001/2007-08 _o§ [XE JE [ZXoemZwgma ~¡§HŸHŸmas H§ŸnZs

(CnH«$_mo§ HŸm AO©Z d A§VaU) A[Y[Z`_ 1980 HŸs Ymam 9 (3)(AmB©) HoŸ VhV g§à[V MwZo JE [ZXoeHŸmo§/[ZXoeHŸmo§ HoŸ ê$n _o§ MwZo OmZodmbo

ì`[º`mo§ HŸs ""Cn`wº d C[MV pñW[V'' AÜ`dgm`s go [ZYm©[aV HŸaZo HoŸ [bE _§Sb HŸs Zm_m§HŸZ g[_[V [XZm§HŸ 28.12.2007 HŸmo J[RV HŸs J`s.

g[_[V _o§ gXñ` HoŸ ê$n _o§ VsZ [ZXoeHŸ h¡§.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ [XZm§HŸ 05.05.2014 Am¡a [XZm§HŸ 22.07.2014 HŸmo Xmo ~ma g[_[V HŸs ~¡RHŸ hwB© VWm `h nm`m J`m [HŸ MwZo OmZo

dmbo [ZXoeHŸ ^maVs` [aμOd© ~¡§HŸ Ûmam [d[Z[X©îQ _mZX§S AZwgma ""Cn`wº d C[MV'' h¡§.

3.11.1. Zm[_Vs g[_[V HŸs ~¡RHŸ _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

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HŸs g§»`m


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gXñ` 01.04.2014-31.07.2014 2 2

43

2. ls_Vs gw_m d_m©^m.[a.~¡§. Zm[_Vs [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-31.03.2015 1 1

3. ls ns gs Zbdm`m*5

J¡a-A[YHŸmas [ZXoeHŸ - J¡a-HŸm`©HŸmas

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J¡a-A[YHŸmas [ZXoeHŸ - J¡a-HŸm`©HŸmas

gXñ` 01.04.2014-10.11.2014 2 2

3.12 eoàYmaHŸ [ZXoeHŸmo§ HoŸ MwZmd _o§ Cå_sXdma HŸmo g_W©Z XoZo na [ZU©` boZo HŸs g[_[V

^maV gaHŸma, [dÎm _§Ìmb` HoŸ [ZXoemo§ HoŸ AZwên [X.31.05.2012 HŸmo Am`mo[OV ~¡RHŸ _o§ _§Sb Zo eoàYmaHŸ [ZXoeHŸmo§ HoŸ MwZmd _o§ Cå_sXdma

HŸmo g_W©Z XoZo na [ZU©` boZo HŸs g[_[V HoŸ JRZ HŸm AZw_moXZ [X`m, Ohm§ ~¡§HŸ Zo BZ H§Ÿn[Z`mo§ HoŸ eoàmo§ _o§ [Zdoe [HŸ`m h¡.

g[_[V HoŸ [ZåZ[b[IV gXñ` h¡§ :

1. AÜ`úm Ed§ à~§Y [ZXoeHŸ : g[_[V HoŸ AÜ`úm

2. HŸm`©HŸmas [ZXoeHŸ : gXñ`

3. EHŸ J¡a-gaHŸmas [ZXoeHŸ : gXñ`

df© Ho$ Xm¡amZ Eogr H$moB© KQ>Zm Z hmoZo Ho$ H$maU, g{‘{V H$s ~¡R>H$ Zht hþB©.

3.13 gy.àm¡. HŸm`©Zs[V g[_[V :

^m.[a.~¡§. Ûmam Omas _mJ©[ZXo©emo§ VWm ^m.~¡§.g§. HŸs [g\Ÿm[aemo§ HoŸ AZwgma, [ZXoeHŸ _§Sb Zo [X.18.02.2012 HŸmo AnZs ~¡RHŸ _o§, gy.àm¡. HŸm`©Zs[V

g[_[V HŸm JRZ [HŸ`m, [Og_o§ ~mø VHŸZsHŸs [deofk [deof A[V[W h¡§ VWm Bgo AmJo E-94/12 [XZm§HŸ10.05.2012 VWm E-172/14 [XZm§HŸ

24.11.2014 Ûmam nwZgªa[MV [HŸ`m J`m.

gy.àm¡. HŸm`©Zs[V g[_[V HoŸ HŸm`© HŸm Tm§Mm [ZåZmZwgma h¡ :

1. gy.àm¡. na ~¡§HŸ HŸmo aUZs[VHŸ [ZXo©e XoZm VWm _§Sb HŸs Amoa go gy.àm¡. [Zdoemo§ HŸs g_súmm HŸaZm.

2. gy.àm¡. aUZs[V VWm Zs[V XñVmdoOmo§ HŸm AZw_moXZ HŸaZm VWm HŸmamo~ma aUZs[V HŸmo gy.àm¡. aUZs[V HoŸ gmW g§aoIZ gw[Z[íÀmV HŸaZm.

3. `h nVm bJmZm [HŸ à~§YZ Ûmam CZ à{HŸ«`m VWm àUm[b`mo§ HŸm HŸm`m©Ýd`Z [HŸ`m J`m h¡ Omo gw[Z[íÀmV HŸaVm h¡ [HŸ gy.àm¡. HŸmamo~ma _o§ _yë`

àXmZ HŸaVm h¡.

4. aUZs[VHŸ bú`mo§ HŸs àmpßV hoVw gy.àm¡. g§gmYZ HŸmo nhMmZZo HoŸ [bE à~§YZ Ûmam à`moJ _o§ bm`s J`s àUmbs HŸmo _m°[ZQa HŸaZm VWm gy.àm¡.

g§gmYZ CnbãY HŸamZo d à`moJ HŸaZo g§~§Ys CÀM ñVas` [ZXo©e XoZm.

5. gy.àm¡. HŸm`m©Ýd`Z _o§ gy.àm¡. Omo[I_ d à~§YZ HoŸ [ZînmXZ HŸm à~§YZ Ûmam _m[ZQqaJ HŸs à^m[dVm HŸm _yë`m§HŸZ HŸaZm.

6. Omo[I_ g§~§Ys CÀM ñVas` Zs[V _mJ©[ZXo©e Omas HŸaZs HŸaZm.

df© HoŸ Xm¡amZ g[_[V HŸs 4 ~¡RHo§Ÿ hwB© :

09.06.2014 23.07.2014 22.12.2014 14.03.2015

44

3.13.1 gy.àm¡. HŸm`©Zs[V g[_[V _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao :

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HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 4 4

6. ls_Vs [Z_©bm lsYa _hm à~§YHŸ - gy.àm¡.[d.

gXñ` 17.05.2014-31.03.2015 4 4

7. ls dmB©.ZmJoœa amd _hm à~§YHŸ - `moOZm

gXñ` 01.04.2014-31.03.2015 4 4

8. ls E.gs.ñdmB©§ _hm à~§YHŸ - _m.g§.[d.

gXñ` 01.04.2014 - 31.03.2015 1 1

9. ls Qs.O`§V n¡ _hm à~§YHŸ, GU (n)

gXñ` 01.04.2014 - 31.01.2015 1 1

10. ls ~s.e[eYa ho½So _hm à~§YHŸ, GU (n)

gXñ` 01.04.2014 - 31.01.2015 3 2

11. ls àXsn ZmBHŸ _hm à~§YHŸ, GU (g d d)

gXñ` 01.09.2014 - 31.03.2015 1 1

12. ls CX` HwŸ_ma _hm à~§YHŸ, GU (g d d)

gXñ` 01.04.2014 - 31.08.2014 2 2

13. àmo.gXJmonZ - gy.àm¡. [deofk gXñ` 01.04.2014 - 31.03.2015 4 4

3.14 dgybs [ZJamZs hoVw g[_[V

[dÎm _§Ìmb` HoŸ [X.21.11.2012 HoŸ nÌ AZwê$n _§Sb Ûmam dgybs HŸs [ZJamZs hoVw g[_[V HŸm JRZ [HŸ`m J`m h¡, Omo gm_mÝ`V`m EZnsE VWm

[deofV: ` 1 HŸamoS `m Cggo A[YHŸ CÀM _yë` ImVmo§ HŸs dgybs/à~§YZ HŸs àJ[V HŸs g_súmm/[ZJamZs HŸaoJs.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V 5 ~ma [_bs [OgHŸm [ddaU [ZåZmZwgma h¡ :

21.04.2014 16.06.2014 17.01.2015 14.02.2015 14.03.2015

45

3.14.1 dgybs [ZJamZs hoVw g[_[V _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao

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AÜ`úm 01.01.2015-31.03.2015 3 3

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HŸm`©HŸmas [ZXoeHŸ 01.04.2014-31.03.2015 5 5



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gXñ` 01.04.2014-31.07.2014 2 2

3.15 àemg[ZHŸ àm[YHŸmas HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ HoŸ A§[V_ AmXoemo§ HoŸ à[V HŸ_©Mmas Ûmam [XE JE Ansb na [dMma HŸaZo hoVw g[_[V

HŸ_©Mm[a`mo§ HoŸ [hV HŸs g§aúmm hoVw àemg[ZHŸ àm[YHŸmas HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ HoŸ A§[V_ AmXoemo§ HoŸ à[V HŸ_©Mmas Ûmam [XE JE Ansb

na [dMma HŸaZo hoVw [XZm§HŸ 29.03.2010 HŸmo g[_[V HŸm JRZ [HŸ`m J`m. ^maV gaHŸma HoŸ Zm[_[V [ZXoeHŸ, ^m.[a.~¡§. HoŸ Zm[_[V [ZXoeHŸ VWm

J¡a-HŸm`©HŸmas [ZXoeHŸ (_§Sb HŸs boImnasúmm g[_[V HoŸ AÜ`úm) g[_[V HoŸ gXñ` h¡§.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V Zo EHŸ ~ma [XZm§HŸ 28.07.2014 HŸmo [_bs.

3.15.1 àemg[ZHŸ àm[YHŸmas HoŸ ê$n _o§ AÜ`úm Ed§ à~§Y [ZXoeHŸ HoŸ A§[V_ AmXoemo§ HoŸ à[V HŸ_©Mmas Ûmam [XE JE Ansb na [dMma HŸaZo hoVw g[_[V _o§ [ZXoeHŸmo§ HŸs CnpñW[V HoŸ ã`m¡ao :

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46

3. ls ns. d¡ÚZmWZ*8


3.16 dm[f©HŸ [ZînmXZ _yë`m§HŸZ (EnsEAma) g_súmm g[_[V :

C.HŸm.lo.do.-VII HoŸ HŸm`©nmbHŸmo§ HŸs dm[f©HŸ [ZînmXZ _yë`m§HŸZ [anmoQmoª (EnsEAma) HŸs g_súmm/aoqQJ HoŸ CÝÝm`Z HoŸ [bE [XZm§HŸ 14.09.2013 HŸmo

EHŸ g[_[V ~Zm`s J`s [Ogo 31.10.2014 HŸmo nwZJ©[RV [HŸ`m J`m.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V HŸs ~¡RHŸ EH$ ~ma [XZm§HŸ 01.12.2014 HŸmo hwB© Ws.

3.16.1 EnsEAma g_súmm g[_[V HŸs CnpñW[V HoŸ ã`m¡ao :

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3.17 HŸm°nmo©aoQ gm_m[OHŸ Xm[`Ëd g_[V :

HŸm°nmo©aoQ gm_m[OHŸ Xm[`Ëdmo§ HoŸ HŸm`©úmoÌ HŸmo gaHŸmas [Xem[ZXoemo§ HoŸ AZwên [dñVm[aV HŸaZo HoŸ [bE {XZm§HŸ 17.01.2014 HŸmo g[_[V HŸm JRZ [HŸ`m J`m.

g_súmmYsZ Ad[Y HoŸ Xm¡amZ g[_[V HŸs ~¡RHŸ EH$ ~ma [XZm§HŸ 22.12.2014 HŸmo hwB©.

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47

3.18 BamXVZ MyHŸHŸVm© HoŸ êŸn _| nhMm{ZV CÜmmaHŸVm©Am| go g§~§{ÜmV g_rúmm g{_{V :

BamXVZ MyHŸHŸVm© HoŸ êŸn _| nhMm{ZV CÜmmaHŸVm©Am| HŸr {ímHŸm`Vm| HŸr g_rúmm HŸaZo hoVw ämmaVr` {aOd© ~¢HŸ HoŸ _mñQa n{anÍm Ama~rAmB©/20114-15/73 {XZm§HŸ 01.07.2014 (07.01.2015 VHŸ AÚVZ {HŸ`m J`m) HoŸ {Xímm{ZXo©ímm| HoŸ AZwgma 17.01.2015 HŸmo g{_{V HŸm JRZ {HŸ`m J`m. g{_{V HŸm AÜ`úm n«~§Üm {ZXoímHŸ Ed§ grB©Amo h¡ VÏmm Xmo J¡a-HŸm`©HŸmar ñdV§Ím {ZXoímHŸ BgHoŸ gXñ` h¢. g_rúmm HoŸ Ad{Üm HoŸ Xm¡amZ Bg g{_{V HŸr HŸmoB© ~¡RHŸ Zht hwB©.

3.19 _mZd g§gmÜmZ g{_{V :

n«_w»m _mZd g§gmÜmZ g§~§Ümr g_ñ`mAm| HoŸ g_mÜmmZ hoVw hmb hr _| 14.02.2015 HŸmo g{_{V HŸm JRZ {HŸ`m J`m. g{_{V _| {ZåZ gXñ` h¡ :

1. n«~§Üm {ZXoímHŸ Ed§ grB©Amo - g{_{V HŸm AÜ`úm

2. HŸm`©HŸmar {ZXoímHŸ - gXñ`

3. HŸm`©HŸmar {ZXoímHŸ - gXñ`

4. J¡a-HŸm`©HŸmar ñdV§Ím {ZXoímHŸ - gXñ`

5. J¡a-HŸm`©HŸmar ñdV§Ím {ZXoímHŸ - gXñ`

g_rúmm Ad{Üm HoŸ Xm¡amZ Bg g{_{V HŸr HŸmoB© ~¡RHŸ Zht hwB©.

4. `Wm 31.03.2015 HŸmo J¡a H$m¶©H$marŸ/eoàYmaHŸ [ZXoeHŸmo§ HoŸ eoàYmaU HoŸ [ddaU

[ZXoeHŸ HŸm Zm_ Ym[aV eoàmo§ HŸs g§»`m

1. ls_Vs ^maVs amd, eoàYmaHŸ [ZXoeHŸ 100

2. ls ns d¡ÚZmWZ, eoàYmaHŸ [ZXoeHŸ 2,100

5. AmMma g§[hVm

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AmYma na CgHoŸ AZwnmbZ g§~§Ys nwîQsHŸaU àmßV HŸs OmVs h¡. AmMma g§{hVm ~¢H$ H$s do~gmBQ> ‘| Xr JB© h¢.

6. gm_mÝ` ~¡RHŸ

[nNbs VsZ dm[f©HŸ gm_mÝ` ~¡RHŸmo§ HoŸ [ddaU [ZåZmZwgma àñVwV h¡§ :

[XZm§HŸ g_` ñWmZ

29.06.2012 Xmonha 4.00 ~Oo _wëHŸs gw§Xa am_ eoÅs g^mJ¥h, [dO`m ~¡§HŸ, E_.Os.amoS, ~o§Jbya

28.06.2013 Xmonha 4.00 ~Oo

27.06.2014 gw~h 11.00 ~Oo

Mm¡Xhdt dm[f©HŸ gm_mÝ` ~¡RHŸ _o§ [ZåZ[b[IV [ZXoeHŸ CnpñWV Wo. BZ ~¡RHŸmo§ _o§ HŸmoB© [deof g§HŸën nm[aV Zht [HŸ`m J`m.

1. ls ds.HŸÊUZ AÜ`úm Ed§ à~§Y [ZXoeHŸ


3. ls ns gs Zbdm`m J¡a-A[YHŸas [ZXoeHŸ d Egs~s HoŸ AÜ`úm

4. ls_Vs ^maVs amd eoàYmaHŸ [ZXoeHŸ

48

5. ls ns.d¡ÚZmWZ eoàYmaHŸ [ZXoeHŸ

6. ls AemoHŸ JwßVm J¡a-A[YHŸas [ZXoeHŸ

7. ls hase ~ëbmb A[YHŸmas HŸ_©Mmas [ZXoeHŸ

ls AemoHŸ AJadmb, Ada g[Md, [dÎm _§Ìmb`, ^maV gaHŸma àoúmHŸ HoŸ ên _o§ ^maV gaHŸma HŸm à[V[Z[YËd HŸaVo hwE ~¡RHŸ _o§ CnpñWV Wo.

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h_mao a[OñQ—ma Am¡a eoà A§VaU EOo§Qmo§ HoŸ HŸm`m©b` _o§ eoà A§VaU, bm^m§e HoŸ ^wJVmZ VWm [ZdoeHŸVm© go g§~§[YV AÝ` J[V[d[Y`mo§ na Jm¡a

[HŸ`m OmVm h¡ Am¡a CZHŸm g§gmYZ [HŸ`m OmVm h¡.~¡§HŸ, `h gw[Z[íÀmV HŸaVm h¡ [HŸ eoàmo§ HoŸ A§VaU HŸm gmam HŸm_, CZHŸmo àñVwV [H$E JE [XZ go

EHŸ _hsZo HoŸ A§Xa nyam [HŸ`m OmVm h¡. _§Sb Zo eo¶aYmaH$m| H$s {eH$m¶Vm| Ho$ {ZdmaU VWm eoàmo§ HoŸ A§VaU VWm AÝ` g§~§[YV _m_bmo§ na [dMma

HŸaZo HoŸ [bE {hVYmaH$ g§~§Y g[_[V Am¡a eoà A§VaU Ho$ {bE BZ hmCg H$m¶©H$mar g[_[V HŸm JRZ [HŸ`m h¡. ò g[_[V`m§ [Z`[_V A§Vamb _o§

~¡RVs h¡§ Am¡a eoàmo§ HoŸ A§VaU HŸs nwpîQ HŸaZo HoŸ Abmdm [ZdoeHŸVm©Amo§ HŸs [eHŸm`Vmo§ HŸs pñW[V HŸs g_súmm HŸaVs h¡.

~¡§HŸ Zo AnZo a[OñQ—ma Am¡a eoà A§VaU EOo§Q HoŸ ê$n _o§ _ogg© qbHŸ BZQmB_ B§[S`m àmBdoQ [b[_QoS HŸmo [Z`wº [HŸ`m h¡ [OgHŸm HŸV©ì` h¡, eoàmo§

HŸm A§VaU HŸaZm, bm^m§e HŸm ^wJVmZ HŸaZm, eoàYmaHŸmo§ HŸs Xa»dmñV XO© HŸaZm VWm eoào§ HŸmo Omas HŸaZo go g§~§[YV Xygas J[V[d[Y`mo§ _o§

[ZdoeHŸVm©Amo§ HŸs [eHŸm`Vmo§ HŸm g§HŸën nm[aV HŸaZm. [ZdoeHŸVm©, AnZo A§VaU [dboI/Xa»dmñV/[eHŸm`Vo§, a[OñQ—ma HoŸ nmg, ZsMo Cpëb[IV nVo

na ôO gHŸVo h¡…

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Eb.~s.Eg.amoS , ^m§Syn (n[íÀm_),

_w§~B© - 400 078

Qobs\ŸmoZ: (022) 25963838, 25946970 - 78

\¡ŸŠg: (022) 25946969

B©_ob : [email protected] and [email protected]

[ZdoeHŸVm©Amo§ HŸs ghy[b`V HoŸ [bE, eoà A§VaU HŸs CZHŸs Xa»dmñV VWm CZHŸs [eHŸm`Vo§, ~o§Jbya pñWV ~¡§HŸ HoŸ àYmZ HŸm`m©b` _o§ ZsMo

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\¡ŸŠg : 080 25594737

B©-_ob : [email protected]

do~gmB©Q: www.vijayabank.com

49

eoàYmaHŸmo§ HŸs [eHŸm`Vmo§ na Vwa§V Jm¡a HŸaZo Am¡a [eHŸm`Vmo§ HŸm \Ÿm¡aZ [ZdmaU HŸaZo na ~¡§HŸ, gdmo©ÀM àmW[_HŸVm XoVm h¡ Am¡a Cgo gw[Z[íÀmV ^s

HŸaVm h¡.

eoà A§VaU àUmbs :

~¡§HŸ HoŸ B©pŠdQs eoàmo§ HŸm A§VaU h_mao eoà A§VaU EOo§Q _ogg© qbHŸ BZQmB_ B§[S`m àmBdoQ [b[_QoS, _w§~B© Ûmam [HŸ`m OmVm h¡. O~ HŸ^s CÝho§

eoà A§VaU HoŸ AZwamoY àmßV hmoVo h¡§ Vmo CÝho§ g§dsúmm HŸa VWm ghs nmò OmZo na g§gm[YV HŸa, ~¡§HŸ HoŸ àYmZ HŸm`m©b` _o§ AZw_moXZmW© ào[fV [HŸ`m

OmVm h¡.

eoà A§VaU/A_y[V©HŸaU/nwZ: _y[V©HŸaU/[d^mOZ/nwZ: ñWmnZ/g_oHŸZ BË`m[X g§~§Ys AZwamoY _§Sb HŸs eoà A§VaU g[_[V HoŸ g_úm CZHoŸ

AZwnmbZmW© àñVwV [H$E OmVo h¡§. Bg à`moOZmW© eoà A§VaU g[_[V HŸs ~¡RHŸ nm[úmHŸ AmYma na A`mo[OV HŸs OmVs h¡. _ogg© qbHŸ BZQmB_

B§[S`m àmBdoQ [b[_QoS eoà A§VaU g[_[V HŸm AZw_moXZ àmßV HŸaZo HoŸ ~mX A§VaU, A_y[V©HŸaU Am[X HŸaHoŸ eoàYmaHŸmo§ HŸmo ôOVm h¡. ~¡§HŸ `h

gw[Z[íÀmV HŸaVm h¡ [HŸ àñVwV HŸaZo HŸs VmasI go [ZYm©[aV g_`md[Y HoŸ A§VJ©V Cgo [d[YdV én go A§V[aV [HŸ`m OmVm h¡.

eoà ~mμOma _o§ gyMs~Õ HŸaZo g§~§Ys HŸama HoŸ I§S 47 HoŸ AZwgma Ama d Qs A[^HŸVm© Ûmam [H$E JE eoà A§VaU VWm eoà A§VaU g[_[V Ûmam

AZw_mo[XV eoà A§VaU na [anmoQ©, ~¡§HŸ HoŸ [ZXoeHŸ _§Sb HoŸ g_úm gyMZm HoŸ [bE àñVwV HŸs OmVs h¡.

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CZHoŸ nmg ôOs OmVs h¡§. 2014-2015 HoŸ Xm¡amZ àmßV Am¡a [ZnQm`s J`t VWm 31.03.2015 HŸmo b§[~V Xa»dmñVmo§ / [eHŸm`Vmo§ HoŸ ã`m¡ao

[ZåZmZwgma h¡§ :

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I) [eHŸm`Vmo§ HŸs g§»`m HwŸN Zht 2640 2640 HwŸN Zht

Cº [eHŸm`Vmo§ _o§ go HŸmoB© ^s [eHŸm`V EHŸ _hsZo go A[YHŸ b§[~V Zht ahs. `Wm 31.03.2015 HŸmo, eoà A§VaU HoŸ g§~§Y _o§ h_mao nmg HŸmoB©

Xa»dmñV b§[~V Zht Ws.

8. eoàYmaHŸmo§ HoŸ gmW àHŸQsHŸaU, g§àofU Am¡a g§~§Y

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~¡§HŸ go g§~§[YV OmZHŸmas, Img Vm¡a na dm[f©HŸ [anmoQmoª HoŸ μO[aE [Og_o§ AÜ`úm HŸm ~`mZ, [ZXoeHŸmo§ HŸs [anmoQ©, boIm nas[úmV boIm, ZHŸXs

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OmZHŸmas g_mMma nÌmo§ _o§ àHŸmeZ, eoà ~mOmamo§ HŸmo Xs JB© gyMZm, àog-[dkpßV Am¡a do~gmBQ AWm©V² www.vijayabank.com HoŸ O[aE ^s

Xs OmVs h¡.

50

[dÎms` df© HoŸ Xm¡amZ,[V_mhs n[aUm_ à_wI g_mMma nÌmo§ O¡go [~[OZog ñQ¡§SS© (AJ«|oOs), [~[OZog bmBZ (A§J«oOs), BHŸZm[_HŸ QmBåg (A§J«oOs),

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^s àX[e©V [H$E JE.

9. A[YXoemË_HŸ Am¡a J¡a-A[YXoemË_HŸ AnoúmmE§

9.1 ~¡§HŸ Zo, eoà ~mOmamo§ HoŸ gmW [H$E JE gyMs ~ZmZo g§~§Ys HŸamaZm_o HoŸ I§S 49 HoŸ àmdYmZmo§ HoŸ AZwgma, g_ñV bmJy A[YXoemË_HŸ AnoúmmAmo§ HŸs

ny[V© HŸs.

ZE J¡a A[YXoemË_HŸ AnoúmmAmo§ HoŸ HŸm`m©Ýd`Z g§~§Ys OmZHŸmas [ZåZZwgma h¡ :

Anoúmm AZwnmbZ

9.1.1 _§Sb gXñ`mo§ HŸm à[eúmU à[VpîRV g§gWmAmo§ Ûmam Am`mo[OV HŸm`©H«$_mo§ _o§ _§Sb gXñ`mo§ HŸmo

à[V[Z`wº HŸaVo hwE à[eúmU [Xbdm`m OmVm h¡. àËòHŸ gXñ` HŸmo

CZHoŸ CÎmaXm[`Ëdmo§ HoŸ g§~§Y _o§ gaHŸmas [Xem[ZXoemo§ Ed§ AmMma g§[hVm

g[hV g_J« n[aX¥í` HŸm [~OZog _mSb [X`m J`m h¡.

9.1.2 J¡a H$m¶©H$marŸ _§Sb gXñ`mo§ HoŸ [ZînmXZ HoŸ [bE ì`dñWm _§Sb [ZXoeHŸmo§ HŸm g§`moOZ ~¡§HŸHŸmas H§ŸnZs (CnH«$_mo§ HŸm AO©Z Am¡a

A§VaU) ~¢HŸ A{Üm{Z`_, 1980 VÏmm amîQ—r`H¥ŸV ~¢HŸm| (à~§YZ d

[d[dY àmdYmZ) `moOZm, 1980Ÿ HoŸ AYsZ [Z`§[ÌV h¡. AV: `h

eV© h_mao [bE bmJy Zhs h¡.

9.1.3 [dμOb ãbmoAa Zs[V EHŸ [Oå_oXma gmd©O[ZHŸ úmoÌ g§ñWm hmoVo hwE ~¡§HŸ [Zînúm VWm nmaXes©

ê$n _o§ ì`mdgm[`HŸVm HoŸ CÀMV_ _mZHŸmo§, B©_mZXmas, gË`[ZîRm Am¡a

Z¡[VHŸ ì`dhma AnZmVo hwE AnZm HŸmamo~ma HŸaZo _o§ [dœmg aIVm h¡.

~¡§HŸ EHŸ Eogr g§ñH¥Ÿ[V [dHŸ[gV HŸaZo hoVw ~Õ h¡ {Oggo [HŸgs ^s ñVa

na HŸmoB© ^s AñdsHŸm`© / AZ¡[VHŸ nX²Y[V AWdm HŸXmMma HoŸ g§~§Y _o§

AmdmO CRmZodmbo gwa[úmV h¡. CËnsSZ AWdm [dúmwãY AZwemg[ZHŸ

HŸma©dmB© HŸs [eHŸma hwB© Am_ OZVm HoŸ [Ibm\Ÿ B©_mZXmas, gË`[ZîRm

Am¡a Z¡[VHŸ AmMaU HoŸ CÀMV_ _mZHŸ HŸmo gw[Z[íÀmV HŸaZo d VËg§~§Ys

_m_bmo§ HŸmo gwbÂmmZo HoŸ [bE gyMZm XoZodmbmo§ HŸs gX²ämmdnyU© qMVm

HŸs Mmho do HŸ_©Mmas hmo `m AÝ` eoàYmaHŸ HoŸ [Ibm\Ÿ g§aúmm HŸs

_m§J HoŸ [bE ~¡§HŸ Zo EHŸ [dOb ãbmoAa Zs[V ~Zm`s h¡ Omo HoŸÝÐs`

gVH©ŸVm Am`moJ (gs ds gs) d Eg B© ~s AmB©Ûmam Omas [Xem [ZXoemo§

HoŸ AZwê$n h¡.

9.2 J¡a-A[YXoemË_HŸ AnoúmmAmo§ HoŸ HŸm`m©Ýd`Z HoŸ ~mao _o§ OmZHŸmas ZsMo àñVwV h¡ :

Anoúmm AZwnmbZ

9.2.1 J¡a-HŸm`©nmbHŸ AÜ`úm HŸmo, H§ŸnZs HoŸ IMo© na AÜ`úm HŸm

HŸm`m©b` aIZo HŸm hHŸ hmoZm Mm[hE Am¡a gmW hs Cgo, AnZo

HŸV©ì` [Z^mZo _o§ bJo IM© HŸs ny[V© HŸs OmZs Mm[hE.

~¡§HŸ HoŸ AÜ`úm HŸm HŸm`©^ma, ^maV gaHŸma Ûmam [Z`wº HŸm`©HŸmas

AÜ`úm g§^mb aho h¡§ Am¡a Bg[bE `h Anoúmm bmJy Zht hmoVs h¡.

51

9.2.2 [nNbo N: _hsZmo§ _o§ _hËdnyU© KQZmAmo§ HoŸ gma g[hV [dÎms`

[ZînmXZ HŸs AY©-dm[f©HŸ KmofUm, àËòHŸ eoàYmaHŸ HoŸ Ka na

ôOs OmZs Mm[hE.

~¡§HŸ AnZo g^s eoàYmaHŸmo§ HŸmo df© HoŸ Xm¡amZ hwB© CëboIZs`

J[V[d[Y`mo§ g[hV gmam§e HoŸ gmW dm[f©HŸ [dÎms` n[aUm_ ào[fV

HŸaVm h¡. ~¡§HŸ HoŸ Ì¡_m[gHŸ [dÎms` n[aUm_, [ZXoeHŸ _§Sb HoŸ

AZw_moXZ HoŸ ~mX g_mMma nÌ, ñQm°HŸ EŠgMo§O VWm ~¡§HŸ HŸs

do~gmB©Q _o§ àHŸm[eV [HŸò OmVo h¡§.

10. eoàYmaHŸmo§ HŸs OmZHŸmas HoŸ [bE :

~¡§HŸ, EHŸ AZwgy[MV dm[UpÁ`HŸ ~¡§HŸ h¡ [OgHŸm àYmZ HŸm`m©b`, ~o§Jbyé _o§ h¡. `Wm 31.03.2015 HŸmo Xoeâ _o§ \¡Ÿbs hwB© 1618 emImAmo§ HoŸ

O[aE ~¡§HŸ Zo AnZs _m¡OyXJs HŸm`_ HŸs h¡. ~¡§HŸ HoŸ eoàmo§ HŸmo ZsMo Cpëb[IV à_wI eoà ~mOmamo§ _o§ gyMs~Õ [HŸ`m J`m h¡ :

1) ~m°å~o ñQm°HŸ EŠgMo§O [b.,

HŸmnmo©aoQ [aboeZ[en [d^mJ

nhbs _§[Ob, Ý`y Q—oqSJ qaJ

[\ŸamoO OsOs~m°` Qmdg©, Xbmb ñQ—rQ

\ŸmoQ©, _w§~B© - 400 001

~sEgB© HyŸQ … 532401

2) Z¡eZb ñQm°HŸ EŠgMo§O Am°\Ÿ B§[S`m [b.

EŠgMo§O ßbmOm, 5 dm§ Vb

ßbmQ g§ gs/1, Os ãbm°HŸ

~m§Ðm - HwŸbm© HŸm°ånboŠg

~m§Ðm(nyd©), _w§~B© - 400 051

EZEgB© HyŸQ : [dO`m ~¡§HŸ B©Š`y EB© ~sB© ~sQs

ZmoQ : ~o§Jbya ñQm°HŸ EŠgMo§O Zo AnZm ñd¡pÀNHŸ ê$n go _mÝ`Vm hQmZo hoVw àñVwV [HŸ`m h¡ VWm VXZwgma go~s Zo ~o§Jbya ñQm°HŸ EŠgMo§O HŸmo [ZHŸmgs

AmXoe Omas [HŸ`m h¡. ~¡§HŸ [XZm§HŸ 31.03.2015 go ~o§Jbya ñQm°HŸ EŠgMo§O HŸs gyMs go hQm`m J`m h¡.

eoà ~mμOmamo§ HŸmo, gyMs~Õ HŸaZo g§~§Ys df© 2014-2015 HŸm dm[f©HŸ ewëHŸ, [Z`V VmasI Ho$ A§Xa AXm [HŸ`m J`m.

10.1 à[V^y[V`mo§ HŸm A_yVs©HŸaU

~¡§HŸmo§ HoŸ eoàmo§ HŸm A_yVs©HŸaU A[Zdm`© Zht h¡ bo[HŸZ ~¡§HŸ Zo amîQ—r` à[V^y[V [Zúmons [b[_QoS Am¡a Ho§ŸÐs` à[V^y[V [Zúmons [b[_QoS HoŸ nmg AnZo

eoàmo§ HŸm A_yVs©HŸaU [HŸ`m h¡. A_yV© [H$E JE B©pŠdQs eoàmo§ HoŸ [bE, ~¡§HŸ HŸmo AmB©EgAmB©EZ HyŸQ g§. AmB©EZB© 705A01016 Am~§[QV HŸs JB©

h¡. My§[HŸ ~¡§HŸ HoŸ eoàmo§ HŸm ì`mnma Xmo eoà ~mμOmamo§ _o§ [HŸ`m OmVm h¡ Bg[bE Mb-[Z[Y gm_mÝ` h¡. ~¡§HŸ Zo, XmoZmo§ [Zúmo[n`mo§ AWm©V²; EZEgSsEb

Am¡a gsSsEgEb HoŸ nmg HwŸb ñdsH¥ŸV ny§Os Ed§ ~¡§HŸ HŸs Omas VWm gyMs~Õ ny§Os HoŸ g_mYmZ HoŸ [bE boIm nasúmm HoŸ g§~§Y _o§ VWm Ah© H§ŸnZs

g[Md Ûmam, EgB©~sAmB© HoŸ [ZXo©emZwgma em[_b [H$E JE AÝ` _m_bmo§ HoŸ g§~§Y _o§ EgB©~sAmB© HŸs AnoúmmAmo§ HŸs ny[V© HŸs h¡.

52

31.03.2015 HŸmo B©{ŠdQr eoàYmaHŸmo§ Ûmam A_yV© Am¡a _yV© ê$n _o§ aIo JE eoàmo§ HoŸ ã`m¡ao [ZåZmZwgma h¡

HwŸb eoàYmaHŸ HwŸb eoà eoYa YmaU HŸm %

A_yV©

^maV HoŸ amîQ—n[V 1 63,62,47,049 74.06

EZEgSsEb _o§ AÝ` 1,44,508 17,17,75,189 19.99

gsSsEgEb _o§ AÝ` 59,648 2,76,02,466 3.21

HwŸb 83,56,24,704 97.26

_yV©

AÝ` 71,643 2,34,94,603 2.74

gHŸb `moJ 2,75,800 85,91,19,307 100

10.2 df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ Ûmam ^wJVmZ [HŸ`m J`m bm^m§e :

df© 2014-15 HoŸ Xm¡amZ ~¡§HŸ Zo [dÎms` df© 2013-14 HoŸ g§~§Y _o§ eoàYmaHŸmo§ HŸmo 10% bm^m§e HŸm ^wJVmZ [HŸ`m. ~¡§HŸ HoŸ [ZXoeHŸ _§Sb Zo

[XZm§HŸ 06.05.2014 HŸmo A`mo[OV _§Sb HŸs ~¡RHŸ _o§ bm^m§e HoŸ [bE [g\Ÿm[ae HŸs Am¡a [XZm§HŸ 27.06.2014 HŸmo Am`mo[OV Mm¡Xhdt dm[f©HŸ

gm_mÝ` ~¡RHŸ _o§ CgHŸs KmofUm HŸs. dm[f©HŸ gm_mÝ` ~¡RHŸ Am¡a df© 2013-14 HoŸ [bE A§[V_ bm^m§e HoŸ ^wJVmZ HoŸ [bE ~hs ~§X HŸaZo HoŸ [bE

[XZm§HŸ 24.06.2014 go 27.06.2014 VHŸ HŸs Ad[Y [ZYm©[aV HŸs J`s Ws. [XZm§HŸ 15.07.2014 VHŸ g^s bm^m§e dma§Qmo§ HŸmo ào[fV [HŸ`m

J`m/B©gsEg O_m HŸs J`s.

10.3 ~¡§HŸ HŸs eoà ny§Os

~¡§qHŸJ H§ŸnZs (CnH«$_mo§ HŸm AO©Z d A§VaU) A[Y[Z`_ 1980 HŸs Ymam 3(2E) HoŸ AZwgma Ho§ŸÐs` gaHŸma ^m[a~¡§ HoŸ gmW nam_e© HŸa VWm amOnÌ

_o§ A[YgyMZm HoŸ Ûmam àm[YH¥ŸV ny§Os HŸmo O¡gm dh C[MV g_ÂmVs h¡ ~Tm AWdm KQm gHŸVs h¡ Am¡a Eogs ~TmoÎmas AWdm HŸ_s HoŸ ~mX àm[YH¥ŸV

ny§Os VsZ hOma HŸamoS én`mo§ go A[YHŸ AWdm EHŸ hOma nm§M gm¡ HŸamoS én`mo§ go HŸ_ Zht hmoJs.

[X.10.11.2009 HŸs A[YgyMZm HoŸ μO[aE ^maV gaHŸma Zo ~¡§HŸ HŸs àm[YH¥ŸV ny§Os ` 1,500 HŸamoS go ` 3,000 HŸamoS d[Y©V [HŸ`m. VXZwgma,

g§à[V ~¡§HŸ HŸs ny§Os ` 3,000 HŸamoS h¡ [Ogo ` 10./- HoŸ 300 HŸamoS nyU© àXÎm eoàmo§ _o§ [d^m[OV [HŸ`m h¡.

g§à[V ^maV gaHŸma HoŸ nmg ~¡§HŸ HŸs B©pŠdQs eoà ny§Os HŸm 74.06% [hñgm h¡ VWm dh ~¡§HŸ HŸm à_wI eoàYmaHŸ h¡. VXZwgma, ~¡§HŸ HŸs _m¡OyXm

àXÎm ny§Os [ZåZmZwgma h¡ :


àm[YH¥ŸV ny§Os :

` 10/- HoŸ 300 HŸamoS eoà ` 3000.00

HwŸb àXÎm ny§Os :

` 10 HoŸ 85,91,19,307 B©pŠdQs eoà ` 859.12

HwŸb àXÎm ny§Os : ` 859.12

53

gmaUs 1 : `Wm 31.03.2015 HŸmo eoà YmaU HŸm g§dJ©dma g§[dVaU :

g§dJ© Ym[aV eoàmo§ HŸs g§»`m eoà YmaU HŸm à[VeV

E àdV©HŸ HŸm YmaU

1 àdV©HŸ

- ^maVs` àdV©HŸ (^maV gaHŸma) 63,62,47,049 74.06

- [dXoes àdV©HŸ - -

2 gh_[V Ûmam HŸm`© HŸaZo dmbo ì`[º

Cn-HwŸb 63,62,47,049 74.06

~s J¡a-àdV©HŸ HŸm YmaU

3. g§ñWmJV [ZdoeHŸ

HŸ) å`yMwAb \§ŸS d `yQsAmB© - -

I) ~¡§HŸ, [dÎms` g§ñWmE§ , ~s_m H§Ÿn[Z`m§

(HoŸÐ/amÁ` g§ñWmE§/J¡a-gaHŸma g§ñWmE§)

6,97,30,013

8.12

J) E\ŸAmB©AmB©/E\ŸE_E\Ÿ 2,59,80,147 3.02

Cn-HwŸb 9,57,10,160 11.02

J> AÝ`

HŸ) [ZOs HŸmnmo©aoQ [ZHŸm` 1,37,79,212 1.6

I) ^maVs` OZVm 10,95,36,850 12.75

J) EZAmaAmB©/Amogs~s 29,75,336 0.35

K) AÝ` HŸmoB© (g_memoYZ gXñ` d _mHo©ŸQ _oHŸa) 8,70,500 0.10

S.) [dXoes ZmJ[aHŸ 200 0.0001

Cn-HwŸb 12,71,62,098 14.81

gHŸb `moJ 85,91,19,307 100

gmaUs 2 : `Wm 31.03.2015 HŸmo HwŸb [dXoes eoà YmaU :

H«$_ g§. [ddaU eoàmo§ HŸs g§»`m eoà YmaU HŸm à[VeV

1 OsSsAma VWm ESsAma YmaU - eyÝ` - - eyÝ` -

2 [dXoes àdV©HŸ - eyÝ` - - eyÝ` -

3 [dXoes g§ñWmJV [ZdoeHŸ 2,59,80,147 3.02

4 [dXoes å`yMwAb \§ŸS - eyÝ` - - eyÝ` -

5 EZAmaAmB© 29,75,336 0.35

6 [dXoes ~¡§HŸ - eyÝ` - - eyÝ` -

7 [dXoes amîQ—s` 200 0.0001

HwŸb 2,89,55,683 3.37

54

gmaUs 3 : `Wm 31.03.2015 HŸmo ~¡§HŸ HoŸ 1% go A[YHŸ B©pŠdQs eoà YmaU HŸaZodmbo eoà YmaHŸmo§ HŸs gyMs :

H«$_ g§. eoàYmaHŸmo§ HŸm Zm_ Ym[aV eoàmo§ HŸs g§»`m eoà YmaU HŸm à[VeV g§dJ©

1 ^maV HoŸ amîQ—n[V 63,62,47,049 74.06 ^maVs` àdV©HŸ

2 ^maVs` OsdZ ~s_m [ZJ_ 4,92,61,826 5.73 gaHŸma Ûmam àm`mo[OV [dÎms` g§ñWm

10.4 eoà ~mOma g§~§Ys Am§HŸ‹So

Aà¡b, 2014 go _mM© 2015 VHŸ EZEgB© Am¡a ~sEgB© _o§ _m[gHŸ Cƒ Am¡a [ZåZ HŸmoQoeZ Am¡a ì`mnma [HE JE eoàmo§ HŸs _mÌm [ZåZmZwgma h¡

Z¡eZb ñQm°HŸ EŠgMo§O(EZEgB©) Am°\Ÿ B§[S`m [b[_QoS

_mh Cƒ

(`)

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(`)

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(`)

g_mßV VmasI eoàmo§ HoŸ ì`mnma HŸs _mÌm

EZEgB© [ZâQs

Aà¡b 2014 41.50 38.50 41.15 30.04.2014 15812079 6428.49

_B© 2014 58.75 39.55 50.20 30.05.2014 60740247 29030.13

OyZ 2014 58.10 49.65 55.45 30.06.2014 49683484 27087.04

OwbmB© 2014 57.35 48.20 48.70 31.07.2014 36318285 19217.62

AJñV 2014 49.70 43.70 45.15 28.08.2014 14522304 6719.62

[gV§~a 2014 49.90 44.55 48.00 30.09.2014 16623343 7777.29

Aºy~a 2014 48.50 45.60 47.60 31.10.2014 8531048 4006.31

Zd§~a 2014 53.05 47.75 51.10 28.11.2014 13908795 6975.57

[Xg§~a 2014 51.75 44.50 50.55 31.12.2014 13772557 6703.18

OZdas 2015 53.25 48.45 49.70 30.01.2015 13217679 6655.21

\Ÿadas 2015 51.20 47.35 48.50 28.02.2015 7172054 3525.24

_mM© 2015 49.20 43.60 46.50 31.13.2015 6688483 3087.48

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55

~m°å~o ñQm°HŸ EŠgMo§O [b[_QoS (~sEgB©)

_mh Cƒ

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_B© 2014 53.75 40.20 50.05 30.05.2014 15156805 7276.26

OyZ 2014 58.35 49.65 55.40 30.06.2014 12058568 6570.89

OwbmB© 2014 57.35 48.15 48.70 31.07.2014 7933340 4179.06

AJñV 2014 49.15 43.75 45.10 28.08.2014 2319595 1072.82

[gV§~a 2014 49.60 44.50 47.85 30.09.2014 2765008 1294.59

Aºy~a 2014 48.45 45.80 47.60 31.10.2014 1069219 503.17

Zd§~a 2014 52.90 47.75 51.00 28.11.2014 3183133 1596.18

[Xg§~a 2014 52.80 44.60 50.15 31.12.2014 2960836 1436.57

OZdas 2015 53.15 47.55 49.70 30.01.2015 2565790 1291.19

\Ÿadas 2015 50.50 47.25 48.15 28.02.2015 1363909 668.84

_mM© 2015 50.70 43.75 46.50 31.03.2015 1235216 567.76

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56

10.6 `Wm 31.03.2015 HŸmo [dO`m ~¡§HŸHoŸ eoàYmaU HŸm _yë`-dma [dVaU

A[YH¥ŸV _yë` HoŸ eoà - ` eoàYmaHŸ eoà

g§»`m à[VeV am{e ` à[VeV

1 go 500 239358 86.7868 382386560 4.4509

501 go 1000 23321 8.4558 201656110 2.3472

1001 go 2000 7857 2.8488 120574780 1.4035

2001 go 3000 1863 0.6755 47510060 0.5530

3001 go 4000 1020 0.3698 37350320 0.4348

4001 go 5000 634 0.2299 30128070 0.3507

5001 go 10000 973 .3528 72827560 0.8477

10001 d Cggo A[YHŸ 774 0.2806 7698759610 89.6122

HwŸb 275800 100.00 8591193070.00 100.00

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g§O` HwŸ_ma

[ZXoeHŸ

gw_m d_m©

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[XZm§HŸ : 12.05.2015

57

godm _o§ …

[dO`m ~¡§HŸ HoŸ gXñ`.

h_Zo, eoà ~mμOma HoŸ gmW ~¡§HŸ HoŸ gyMsHŸaU HŸamaZm_o HoŸ g§~§[YV I§S 49 _o§ `Wm [Z[X©îQ 31 _mM©, 2015 HŸmo g_mßV df© HoŸ [bE, {dO`m ~¡§HŸ Ûmam

H§ŸnZs emgZ HŸs eVmoª HoŸ AZwnmbZ HŸm nasúmU [HŸ`m h¡.

H§ŸnZs emgZ HŸs eVmoª HŸm AZwnmbZ, à~§Y dJ© HŸs [Oå_oXmas h¡. h_mam nasúmU, H§ŸnZs emgZ HŸs eVmoª HŸm nmbZ gw[Z[íÀmV HŸaZo HoŸ [bE ~¡§HŸ Ûmam AnZmB©

JB© à[H«$`mAmo§ Am¡a CgHoŸ HŸm`m©Ýd`Z VHŸ gs[_V Wm. `h Z Vmo boIm nasúmm h¡ Z hs ~¡§HŸ HoŸ [dÎms` [ddaUmo§ na A[^ì`º am`.

h_ gy[MV HŸaZm Mmh h¡§ [HŸ “[ZXoeHŸ _§Sb, boImnasúmm g[_[V/AÝ` g[_[V`mo§ HŸm JRZ, [ZXoeHŸmo§ HoŸ nm[al[_H, ~moS© [HŒŸ`m[d[Y/g§~§[YV nmQs© boZXoZ/

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[ZXoe/^maV gaHŸma HoŸ [Xem[ZXo©e/AmB©gsEAmB©-boIm§HŸZ _mZHŸ HoŸ AYsZ [ZYm©[aV àmdYmZmo§ Ûmam em[gV hmoJm. AV: ~¡§HŸ Dna Cpëb[IV gyMsHŸaU

HŸamaZm_o _o§ `Wm [Z[X©îQ H§ŸnZs emgZ HŸs eVmoª HŸm Cg hX VHŸ nmbZ [HŸ`m h¡ [HŸ ò ^m.[a.~¡§ HoŸ [Xem[ZXo©emo§ HŸm Cëb§KZ Zht HŸaVm h¡.

h_ `h CëboI HŸaVo h¡§ [HŸ [hVYmaHŸ g§~§Y g[_[V Ûmam AZwa[úmV A[^boImo§ Am¡a ~¡§HŸ HoŸ a[OñQ—ma d eoà A§VaU EOo§Q Ûmam ¶Wm à‘m{UV ~¡§HŸ HoŸ à[V,

EHŸ _hsZo go A[YHŸ g_` HoŸ [bE HŸmoB© ^s [ZdoeHŸ [eHŸm`V b§[~V Zht h¡ .

AmJo h_ CëboI HŸaVo h¡§ [HŸ Eogm AZwnmbZ, ~¡§HŸ HŸs ^mds ì`dhm`©Vm HoŸ ~mao _o§ Z HŸmoB© AmœmgZ h¡ Z hs ~¡§HŸ HŸm HŸm_HŸmO MbmZo _o§ à~§Y dJ© HŸs

XúmVm AWdm úm_Vm HŸm g§HoŸV h¡.

H§ŸnZs emgZ HoŸ g§~§Y _o§ boIm nasúmHŸmo§ HŸm à_mUnÌ

H¥ŸVo _ogg© EZ.gs.[_Îmb EÊS H§Ÿ.

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n§OsHŸaU g§.001749Eg

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gZXs boImHŸma

n§OsHŸaU g§.005359gs

H¥ŸVo nsHoŸE\Ÿ lsYa EÊS g§VmZ_ EbEbnr

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n§OsHŸaU g§.0gs

ñWmZ : ~o§Jbyé

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58

31 _mM©, 2015 H$m VwbZ-nÌ{ddaÊm AZwgyMr

g§»`m(` 000 NmoS {X`m J`m h¡)

31.03.2015 HŸr {ñÏm{V

31.03.2014 HŸr {ñÏm{V

ny§y§Or Am¡a Xo`VmE±ny§Or 1 859 11 94 859 11 94Ama{úm{V`m§ Am¡a A{Ümímoîm 2 5300 63 50 5028 80 44O_mam{e`m§ 3 126343 35 06 124296 15 93CYma 4 7278 19 36 4744 79 86

AÝ` XoZXm{a`m§ VWm àmdYmZ 5 2861 79 31 2429 73 11OmoS>> 142643 09 17 137358 61 28

AmpñV`m§ ^maVr` {aμOd© ~¢HŸ _| ZHŸXr Am¡a ímoîm 6 6534 29 47 5540 20 76

~¢HŸm| _| ímoîm Am¡a _m§J VÏmm Aën gyMZm na n«{VXo` am{ím 7 817 53 70 3917 44 83{d{ZÜmmZ 8 44522 09 86 42585 38 48A{J«_ 9 86695 86 33 81504 03 21AMb AmpñV`m§ 10 566 64 48 528 94 55AÝ` AmpñV`m§ 11 3506 65 33 3282 59 45

OmoS>> 142643 09 17 137358 61 28

AmH$pñ_H$ Xo`VmE§ 12 14092 25 19 13130 99 95dgybr HoŸ {bE {~b 2468 85 24 2227 43 58bo»mm Zr{V`m§ 17bo»mm| na {Qßn{Êm`m§ 18

DŸna g§X{äm©V _hËdnyÊm© bo»mmHŸaÊm Zr{V`m± Ed§ AZwgy{M`m± VwbZ-nÍm HŸm EHŸ A{ämÝZ ämmJ ~ZVr h¢.

{HŸímmoa gm§gr n«~§Üm {ZXoímHŸ Ed§ grB©Amo

HoŸ Ama ímoÊm¡ HŸm`©HŸmar {ZXoímHŸ

~r Eg am_m amd HŸm`©HŸmar {ZXoímHŸ

g§O` HwŸ_ma{ZXoímHŸ

gw_m d_m©{ZXoímHŸ

ämmaVr amd {ZXoímHŸ

dmB© _wabrH¥ŸîÊmm {ZXoímHŸ

E.Eg.amOrd _hm n«~§ÜmHŸ

__________________________________________ h_mao g_ {XZm§HŸ HŸr {anmoQ© HoŸ AZwgma _____________________________________________

H¥ŸVo _ogg© H$am© EÊS H§$.gZXr boImH$ma

n§OrHŸaÊm g§.001749Eg

H¥ŸVo _ogg© EZ. gr. {_ËVb EÊS H§Ÿ.gZXr boImH$ma

n§OrHŸaÊm g§.000237EZ

H¥ŸVo _ogg© Ho$nrE_gr EÊS Egmo{gEQ²g

gZXr boImH$ma n§OrHŸaÊm g§.05359gr

H¥ŸVo _ogg© nrHoŸE\Ÿ lrÜma EÊS g§VmZ_ EbEbnr gZXr boImH$ma

n§OrHŸaÊm g§. 003990 Eg/Eg200018

(Ho$. n«o_Hw$_ma)gmÂmoXma

gXñ`Vm g§.019170

(EZ.gr.{_ËVb)gmÂmoXma

gXñ`Vm g§.14213

(g§O` _oham)gmÂmoXma

gXñ`Vm g§.075488

(Eg.amOoídar)gmÂmoXma

gXñ`Vm g§.024105ñÏmmZ : ~|Jbyé {XZm§HŸ : 12.05.2015

59

31 _mM©, 2015 H$mo g_má df© H$m bm^ d hm{Z boIm {ddaÊm AZwgyMr

g§»`m

(` 000 NmoS {X`m J`m h¡)31.03.2015

H$mo g_mßV df© H$o${bE 31.03.2014

H$mo g_mßV df© H$o${bE I. Am`

A{O©V ã`mO 13 12273 52 65 10706 55 69AÝ` Am` 14 878 96 41 709 87 43OmoS>> 13152 49 06 11416 43 12

II. ì`` ì`` {H$`m J`m ã`mO 15 9981 24 73 8623 14 76àMmbZ ì`` 16 1912 21 20 1689 55 33Cn~§Y Am¡a AmH$pñ_H$ ì`` 819 62 19 687 82 17

OmoS>> 12713 08 12 11000 52 26III. bm^ / hm{Z

df© H$o${bE {Zdb bm^ 439 40 94 415 90 86OmoSoμ : AmJo bm`m J`m bm^ 934 27 54 958 98 84¿mQmE§ : Ymam 36 (1) (viii) H$o$AÜmrZ {deof AmajU na SrQrEb HŸm g¥OZ - 157 62 10OmoSoμ : gm_mÝ` Ama{úm{V go A§VaÊm - -

OmoS>> 1373 68 48 1217 27 60IV. {d{Z`moOZ

gm§{d{Y Ama{j{V _o§ A§VaU 109 85 24 103 97 72Am` H$a A{Y{Z`_ H$s Ymam 36 (1) (viii) H$o$ AZwgma {deof AmajU _o| A§VaU - - ny§Or Ama{úm{V _| A§VaÊm 6 54 18 13 64 01gm_mÝ` Ama{j{V _§o A§VaU - - A§V{a_ bmämm§ím (HŸa g{hV) - 64 87 06àñVm{dV bm^m§e - B©p³dQ>r> eoà n§yOr (H$a g{hV) 155 10 28 10o0 51 27àñVm{dV bm^m§e A{Y_mÝ` eoà ny§Or (H$a g{hV) - - VwbZ nÌ _o| AmJo bo Om`m J`m eof 1102 18 78 934 27 54

OmoS>> 1373 68 48 1217 27 60n«{V ímoà AO©Z- ~o{gHŸ (é. _|) 5.11 7.64

- SmBë`yQoS (é. _|) 5.11 7.64boIm Zr{V`m§ 17boImo| na {Q>ßn{U`m§§ 18

DŸna g§X{äm©V _hËdnyÊm© bo»mmHŸaÊm Zr{V`m± Ed§ AZwgy{M`m± bmäm d hm{Z bo»mm HŸm EHŸ A{ämÝZ ämmJ ~ZVr h¢.



















gXñ`Vm g§.019170


gXñ`Vm g§.14213


gXñ`Vm g§.075488


gXñ`Vm g§.024105ñÏmmZ : ~|Jbyé {XZm§HŸ : 12.05.2015

60

VwbZ nÍm d bmäm hm{Z bo»mm HŸr AZwgy{M`m±(` 000 NmoS {X`m J`m h¡)

{ddaÊm 31.03.2015HŸr {ñÏm{V

31.03.2014HŸr {ñÏm{V

AZwgyMr - 1 :

n§yOrn«m{ÜmH¥ŸV ny§Or 3000 00 00 3000 00 00

n«{V ` 10/- HoŸ 300,00,00,000 ímoà

Omar A{ämXËV Am¡a _m§Jr J`r ny§Orn«{V ` 10/- HoŸ 85,91,19,307 B©{ŠdQr ímoà

({nNbo dîm© n«{V ` 10/- HoŸ 85,91,19,307 B©{ŠdQr ímoà)

859 11 94 859 11 94

n«XËV ny§Or(H$) H|$Ð gaH$ma Ûmam Ümm{aV n«{V ` 10/- HoŸ 63,62,47,049 B©{ŠdQr ímoà

({nNbo dîm© n«{V ` 10/- HoŸ 63,62,47,049 B©{ŠdQr ímoà)

636 24 71 636 24 71

(I) gmd©O{ZHŸ Am¡a AÝ` Ûmam Ümm{aV n«{V ` 10/- HoŸ 22,28,72,258 B©{ŠdQr ímoà ({nNbo dîm© n«{V 22,28,72,258 B©{ŠdQr ímoà)

222 87 23 222 87 23

OmoS> 859 11 94 859 11 94

AZwgyMr - 2 :Ama{úm{V`m§ Am¡a A{ÜmímoîmI. gm§{d{ÜmHŸ Ama{úm{V {nNbo VwbZ nÍm HoŸ AZwgma ímoîm 1337 71 96 1233 74 25 OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z 109 85 24 103 97 71

OmoS> 1447 57 20 1337 71 96

II. ny§Or Ama{úm{V {nNbo VwbZ nÍm HoŸ AZwgma ímoîm 3518946 338 25 45 OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z 6 54 18 13 64 01

OmoS> 358 43 64 351 89 46

III. ímoà n«r{_`_ {nNbo VwbZ nÍm HoŸ AZwgma ímoîm 1679 39 85 592 97 88 OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z - 1086 41 97

OmoS> 1679 39 85 1679 39 85

IV. nwZ_y©ë`m§HŸZ Ama{úm{V {nNbo VwbZ nÍm HoŸ AZwgma ímoîm 248 99 27 262 62 40 OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z - - KQ>mE§ : bmäm - hm{Z »mmVo go g_m`mo{OV _yë`õmg Ad_yë`Z HoŸ n«{V HŸQm¡Vr 12 47 60 13 63 13

OmoS> 236 51 67 248 99 27

61

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V

AZwgyMr - 2 (Omar...)

V. amOñd Am¡a AÝ` Ama{úm{V`m§

(HŸ) Am` H$a A{Üm{Z`_ HŸr Ümmam 36(1) (viii) HoŸ AZwgma {dímoîm Ama{úm{V

{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 463 72 74 436 72 74

OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z - -

OmoS> 463 72 74 463 72 74

(»m) gm_mÝ` Ama{úm{V


OmoS/(¿mQmE±) : dîm© HoŸ Xm¡amZ A§VaÊm - -

OmoS> 12 79 62 12 79 62

(J) bm^-hm{Z bo»mm _| ímoîm am{ím 1102 18 78 934 27 54

OmoS> 1102 18 78 934 27 54

OmoS> (HŸ+»m+J) 1578 71 14 1410 79 90

OmoS> { I+II+III+IV+V} 5300 63 50 5028 80 44

AZwgyMr - 3 :

O_mam{ím

^maV _| O_mam{ím

I. _m§J O_m

i) ~¢HŸm| go 17 74 14 15 57 53

ii) AÝ` go 6690 78 01 5881 67 32

II. ~MV ~¢HŸ O_mam{ím`m§ 19031 05 36 16977 97 64

III. gmd{Üm O_mam{ím`m§

i) ~¢HŸm| go 44 00 95 323 10 63

ii) AÝ` go 100559 76 60 101097 82 81

OmoS> 126343 35 06 124296 15 93

AZwgyMr - 4 :

CYma

I. ^maV _| CYma

i) ^maVr` {aμOd© ~¢HŸ - 350 00 00

ii) AÝ` ~¡§HŸ - -

iii) AÝ` g§ñWm Am¡a A{ämHŸaÊm 4028 19 36 2644 79 86

62

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V


iv) Jm¡Êm G$Êm - ~m§S

1) 7.15% HŸr Xa go 10 dîmr©` d 3 _hrZo HoŸ ~m§S 2015 250 00 00 250 00 00

2) 9.25% HŸr Xa go 10 dîmr©` ~m§S 2016 250 00 00 250 00 00

3) 10.10% HŸr Xa go 15 dîmr©` ~m§S 2022 300 00 00 300 00 00



6) 9.45% HŸr Xa go 15 dîmr©` ~m§S 2023 300 00 00 300 00 00

7) 9.73% HŸr Xa go 10 dîmr©` ~m§S 2023 250 00 00 250 00 00

8) 9.15% HŸr Xa go 10 dîmr©` ~m§S 2024 500 00 00 -

9) 9.54% HŸr Xa go ~o{‘¶mXr A{V{aŠV {Qà I ~m§S 2024 100 00 00 -

10) 8.62% HŸr Xa go 10 dîmr©` ~m§S 2025 500 00 00 -

11) 10.40% HŸr Xa go ~o{‘¶mXr A{V{aŠV {Qà I ~m§S 2024 400 00 00 -

II. ^maV go ~mha CÜmma - -

OmoS> 7278 19 36 4744 79 86

AZwgyMr - 5 :

AÝ` XoZXm{a`m§ d àmdYmZ

(i) Xo` {~b 473 67 86 417 15 42

(ii) n«moX²ämyV ã`mO 289 16 55 325 22 24

(iii) _mZH$ AmpñV`m| HoŸ n«{V àmdYmZ 465 15 53 424 01 53

(iv) AÝ` [ àmdYmZm| g{hV ] 1559 82 49 1051 45 13

(v) A§Va H$m`m©b` g_m`moOZ [ {Zdb ] 50 88 95 136 76 30

(vi) AmñÏm{JV HŸa Xo`Vm [ {Zdb ] 23 07 93 75 12 49

OmoS> 2861 79 31 2429 73 11

AZwgyMr - 6 :

^maVr` {aμOd© ~¢HŸ _| ZHŸXr Am¡a ímoîm

I. hmW _| ZH$Xr ({dXoímr H$a|gr ZmoQm| g{hV) 493 80 86 373 49 97

II. Mmby »mmVo _| ^maVr` {aμOd© ~¢HŸ _| ímoîm 6040 48 54 5166 68 72

III. AÝ` ImVm| _| ^maVr` {aμOd© ~¢HŸ _| ímoîm 7 2 07

OmoS> 6534 29 47 5540 20 76

63

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V

AZwgyMr - 7 :

~¢HŸmo§ _| ímoîm Am¡a _m§J VÏmm Aën gyMZm na n«{VXo` am{ím

I. ^maV _|

(i) ~¢HŸm| _| ímoîm

(H$) Mmby ImVm| _| 78 24 57 76 37 89

(I) AÝ` O_m ImVm| _| 64 63

(ii) _m§J VWm Aën gyMZm na n«{VXo` am{ím

(H$) ~¢HŸm| HoŸ gmÏm 3 00 00 00 22 48 13 61

(I) AÝ` g§ñWmAm| HoŸ gmÏm 1 71 40 25 8 79 43 25

OmoS> 549 65 46 3203 95 38

II. ^maV HoŸ ~mha

(H$) Mmby ImVm| _| 12 19 53 97 09 76

(I) AÝ` O_m ImVm| _| 255 68 71 616 39 69

OmoS> 267 88 24 713 49 45

OmoS> {I+II} 817 53 70 3917 44 83

* Zm°ñQ—mo n«{VêŸn ímoîm _| Ag_m`mo{OV _X VÏmm {dMmamÜmrZ am{ím ímm{_b h¡.

AZwgyMr - 8 :

{d{ZÜmmZ

^maV _| {d{ZÜmmZ gHŸb 44698 33 78 42833 77 92

KQ>mE§ : Ad_yë`Z Ed§ A{ZînmXHŸ {Zdoím HoŸ {bE àmdYmZ 176 23 92 248 39 44

ämmaV _| {Zdb {d{ZÜmmZ 44522 09 86 42585 38 48

{díboîmÊm

i) gaH$mar n«{Vämy{V`m§ 34930 20 17 33263 69 52

ii) AÝ` AZw_mo{XV n«{Vämy{V`m§ 2 66 87 2 53 17

iii) ímoà 197 37 66 188 24 54

iv) {S~|Ma Am¡a ~m§S 3842 37 01 3710 53 42

v) gh g§ñÏmmAm| _| {Zdoím (B©{ŠdQr nÕ{V na) - -

vi) AÝ` (`y{ZQ, {HŸgmZ/ B§{Xam {dHŸmg nÍm, Zm~mS©-AmaAmB©S>rE\$, nrEg`y O_mam{ím`m§) 5549 48 15 5420 37 83

OmoS> 44522 09 86 42585 38 48

AZwgyMr - 9 :A{J«_(H$) i) »marXo JE d ämwZmE JE {~b 1588 15 73 1921 78 92 ii) ZH$X CYma, Amoda>S´mâQ Am¡a _m§J na {XE G$U 30329 62 18 32786 52 05 iii) gmd{Üm G$U 54777 83 44 46795 46 45 iv) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 24 98 25 79

OmoS> 86695 86 33 81504 03 21

64

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V


(I) i) _yV© AmpñV`m| Ûmam n«{VämyV (~hr FÊm HoŸ n«{V A{J«_ ímm{_b h¡§) 73497 63 47 62369 86 51

ii) ~¢HŸ$/gaH$mar Jma§{Q>¶m| Ûmam a{úmV 3141 63 22 3732 86 76

iii) An«{VämyV 10056 34 66 15401 04 15

iv) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 24 98 25 79

OmoS> 86695 86 33 81504 03 21

(J) ^maV _| A{J«_

i) n«mÏm{_HŸVm úmoÍm 27537 65 85 22070 55 72

ii) gmd©O{ZHŸ úmoÍm 3096 26 53 15002 61 12

iii) ~¢HŸ 457 48 93 1173 01 69

iv) AÝ` 55604 20 04 43257 58 89

v) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 24 98 25 79

OmoS> 86695 86 33 81504 03 21

AZwgyMr - 10 : 31.03.2015 31.03.2014

AMb AmpñV`m§

I. n{aga

gHŸb ãbmHŸ (bmJV na/nwZ_©yë`m§{HŸV am{ím)

{nNbo VwbZ nÍm HoŸ AZwgma 607 34 79 591 25 90

dîm© HoŸ Xm¡amZ n{adÜm©Z 88 27 16 08 89

dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ - -

608 23 06 607 34 79

_yë`õmg


OmoS| : dîm© HoŸ Xm¡amZ n«ämm{aV _yë`õmg 15 66 94 17 05 88

KQ>mE§ : dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ - -

AÚVZ _yë`õmg- nwZ_©yë`m§HŸZ HoŸ {Z{_ËV 22,47,874 hμOma aH$_ g{hV

({nNbo df© : 21,11,559 hμOma) 296 40 02 280 73 08

Ad{b{»mV _yë` 311 83 04 326 61 71

II. AÝ` AMb AmpñV`m§

\$ZuMa VWm OwS>Zma g{hV

gHŸb ãbm°HŸ (bmJV na)

{nNbo VwbZ nÍm HoŸ AZwgma 633 67 81 536 41 76

dîm© HoŸ Xm¡amZ n{adÜm©Z 106 16 09 115 32 31

739 83 90 651 74 07

dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ 11 22 01 18 06 26

728 61 89 633 67 81

65


_yë`õmg


OmoS| : dîm© HoŸ Xm¡amZ n«ämm{aV _yë`õmg 51 66 20 60 91 88

483 01 17 448 18 68

KQ>mE§ : dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ 9 20 72 16 83 71

AÚVZ _yë`õmg 473 80 45 431 34 97

Ad{b{»mV _yë` * 254 81 44 202 32 84

OmoS> 566 64 48 528 94 55

AZwgyMr 11 :

AÝ` AmpñV`m§

i. n«moX²ämyV ã`mO 1004 03 06 895 61 50

ii. A{J«_ êŸn go n«XËV /g«moV na HŸmQm J`m HŸa (àmdYmZ H$m {Zdb) 1750 70 80 1685 73 94

iii. AmñÏm{JV H$a AmpñV ({Zdb) - -

iv. bo»mZ gm_J«r Am¡a ñQ¡ån 1 59 90 1 37 89

v. Xmdm| H$s g§VwpîQ> ‘| àmá H$s JB© J¡a ~¢qH$J AmpñV¶m§ 762 762

vi. AÝ` (àmdYmZ H$m {Zdb) 750 23 95 580 67 25

vii. An{aímmoÜmZ-J«oÀ`w{Q d n|ímZ - 119 11 25

viii. A§Va-HŸm`m©b` g_m`moOZ ({Zdb) - -

OmoS> 3506 65 33 3282 59 45

AZwgyMr 12 :

AmH$pñ_H$ Xo`VmE§

i. ~¢HŸ HoŸ {»mbmμ\Ÿ Xmdo {OÝh| G$U HoŸ êŸn _| ñdrH$ma Zht {HŸ`m J`m h¡ 295 33 72 77 84 56

ii. A§eV: àXËV {d{ZYmZm| HoŸ {bE Xo`VmE§ - -

iii. ~HŸm`m dm`Xm {d{Z_` g§{dXmAm| HoŸ n«{V Xo`VmE§ 4249 74 07 5098 90 86

iv. ^maV _| KQ>H$m| H$s Amoa go Xr J`r Jma§{Q>¶m 6267 85 12 5210 36 72

v. n«{V-J«hU, n¥îRm§HŸZ Am¡a AÝ` ~mÜ`VmE§ 1301 01 28 1403 25 72

vi. AÝ` _X| {OZHoŸ {bE ~¢HŸ g_m{lV êŸn go CËVaXm`r h¡ 1949 71 37 1314 50 86

vii. {Zînm{XV {HŸE OmZo HoŸ {bE ~mHŸr ny§OrJV HŸama 28 59 63 26 11 23

OmoS> 14092 25 19 13130 99 95

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V

66

AZwgyMr - 13 :

A{O©V ã`mO

i. A{J«_m|/{~bm| na ã`mO/~Åm 8608 72 18 7713 61 27

ii. {d{ZÜmmZm| na Am` 3346 86 54 2605 01 89

iii. ^maVr` {aμOd© ~¢HŸ HoŸ ímoîmm| Am¡a AÝ` A§Va ~¢HŸ {Z{Üm`m| na ã`mO 3 08 16 3 04 91

iv. AÝ` 314 85 77 384 87 62

OmoS> 12273 52 65 10706 55 69

AZwgyMr - 14 :

AÝ` Am`

i. H$_reZ, {d{Z_` Am¡a Xbmbr 116 21 59 100 37 54

ii. {d{ZÜmmZm| HoŸ {dHŸ«` na bmäm 323 13 23 234 15 97

KQ>mE§ : {d{ZÜmmZm| HoŸ {dHŸ«` go hm{Z 24 60 57 43 90 98

298 52 66 190 24 99

iii. {d{ZÜmmZm| HoŸ nwZ_©yë`m§HŸZ na {Zdb bmäm /(hm{Z) - -

KQ>mE§ : EMQrE_ n«{Vämy{V`m| na n«r{_`_ HŸm n{aímmoÜmZ - -

- -

iv. ämy{_, ^dZm| Am¡a AÝ` AmpñV`m| HoŸ {dHŸ«` na bm^ 19 13 16 79

KQ>mE§ : ämy{_, ^dZm| Am¡a AÝ` AmpñV`m| HoŸ {dHŸ«` go hm{Z 69 61 37 62

- 50 48 - 20 83

v. {d{Z_` boZXoZ na bm^ 54 35 95 69 12 09

KQ>mE§ : {d{Z_` boZXoZ na hm{Z 9 12 1 70

54 26 83 69 10 39

vi. {d{dÜm Am` 410 45 81 350 35 34

OmoS> { i+ii+iii+iv+v+vi } 878 96 41 709 87 43

AZwgyMr - 15 :

ì`` {HŸ`m J`m ã`mO

i. O_mam{ím`m| na ã`mO 9699 60 32 8355 53 12

ii. ^maVr` {aμOd© ~¢H /A§Va ~¢HŸ CÜmmam| na ã`mO 1 74 86 1 32 37

iii. AÝ` 279 89 55 266 29 27

OmoS> 9981 24 73 8623 14 76

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V

67

(` 000 NmoS {X`m J`m h¡)


31.03.2014HŸr {ñÏm{V

AZwgyMr - 16 :

n«MmbZ ì``

i. HŸ_©Mm{a`m§o HŸmo ämwJVmZ Am¡a CZHoŸ {bE àmdYmZ 1165 55 10 1039 80 47

ii. {HŸam`m,HŸa Am¡a amoímZr 147 79 73 128 12 31

iii. _wÐÊm Am¡a bo»mZ gm_J«r 13 71 61 13 43 67

iv. {dkmnZ Am¡a n«Mma 10 36 03 10 90 49

31.03.2015 31.03.2014

v. ~¢HŸ HŸr g§n{ËV na _yë`õmg 67 00 83 77 77 74

KQ>mE§ : nwZ_y©ë`Z Ama{úm{V go

g_m`mo{OV _yë`õmg 12 47 59 13 63 12 54 53 24 64 14 62

vi. {ZXoeH$mo| H$m ímwëHŸ, ^Îmm Am¡a ì`` 57 08 81 09

vii. bo»mm narúmHŸm| HoŸ ímwëHŸ Am¡a ì`` (ímm»mm bo»mm narúmHŸm| g{hV]) 10 77 27 15 20 62

viii. {d{Üm n«ämma 74 16 63 61

ix. S>mH$, Vma Am¡a Qo{b\ŸmoZ Am{X 26 20 80 21 14 62

x. _aå_V Am¡a AZwajU 4 65 96 3 66 03

xi. ~r_m 121 85 09 94 70 33

xii. AÝ` ì`` 355 45 13 296 97 47

OmoS> 1912 21 20 1689 55 33

{HŸímmoa gm§grn«~§Üm {ZXoímHŸ Ed§ grB©Amo

HoŸ Ama ímoÊm¡HŸm`©HŸmar {ZXoímHŸ

~r Eg am_m amdHŸm`©HŸmar {ZXoímHŸ



ämmaVr amd{ZXoímHŸ

dmB© _wabrH¥ŸîÊmm{ZXoímHŸ

E.Eg.amOrd_hm n«~§ÜmHŸ

h_mao g_ {XZm§HŸ HŸr {anmoQ© HoŸ AZwgma






gZXr boImH$man§OrHŸaÊm g§.05359gr

H¥ŸVo _ogg© nrHoŸE\Ÿ lrÜma EÊS g§VmZ_ EbEbnrgZXr boImH$ma


(Ho$. n«o_ Hw$_ma)gmÂmoXma

gXñ`Vm g§.019170


gXñ`Vm g§.14213


gXñ`Vm g§.075488


gXñ`Vm g§.024105

ñÏmmZ : ~|Jbyé{XZm§HŸ : 12.05.2015

68

AZwgyMr-17_hËdnyÊm© bo»mm Zr{V`m§ 2014-151. bo»mm n{anmQr :

AÝ`Wm C{ëb{»mV ~mVmo§ HŸmo NmoSHŸa, {dËVr` {ddaU, Eo{Vhm{gH$ bmJV AmYma na V¡`ma {H$E JE h¢ Am¡a do ämmaVr` {aOd© ~¢HŸ (ämm.{a.~¢.) Ûmam Omar {Xímm{ZXo©ímm| HoŸ gmÏm n{RV bmJy bo»mm _mZHŸ HoŸ AZwHyŸb h¡ VÏmm Oh±m VH$ bmJy hmo, H§ŸnZr(boI§mH$Z _mZH$){Z`_, 2006 Ho$ AZwgma h¡ Omo gm§{d{ÜmHŸ àmdYmZm| VWm ämmaV _| ~¢{H§ŸJ CÚmoJ _| àM{bV ì`dhma HoŸ AZwêŸn h¡.

gm_mÝ`V: ñdrH¥ŸV bo»mm {gÕm§V HoŸ AZwHyŸb {dËVr` {ddaÊmr V¡`ma HŸaZo HoŸ {bE n«~§ÜmZ HŸmo {anmoQ© HŸr J`r Am{ñV`m| HŸr am{ím, Xo`VmE§, amOñd, {dËVr` {dda{Êm`m| _| ì`` VÏmm AmHŸ{ñ_HŸ Xo`VmAm| HoŸ n«HŸQZ HŸmo n«ämm{dV HŸaZodmbo AZw_mZ VÏmm AmHŸbZ HŸaZm OêŸar h¡. n«~§ÜmZ HŸm _mZZm h¡ {HŸ {dËVr` {dda{Êm`m| HŸr V¡`mar _| n«`wŠV AmHŸbZ {ddoHŸímrb VÏmm C{MV h¡. bo»mm AmHŸbZ _| {HŸgr ämr g§ímmoÜmZ HŸmo dV©_mZ VÏmm äm{dî` HoŸ {bE A{ämkßV {HŸ`m OmVm h¡.

2. {dXoímr _wÐm boZ-XoZ :

(I) E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm| go {ämÝZ boZ-XoZ

(H$) AmpñV`m| d Xo`VmE§ XmoZm| HoŸ A§VJ©V ^maVr` {dXoer _wÐm ì`mnmar g§K {dXoer _wÐm ímoîmam{ím H$m ~H$m`m VWm dm`Xm {d{Z_` g§{dXmAm| H$m _yë`m§H$Z dfmªV Xam| go ^maVr¶ {dXoer ‘wÐm ì¶mnmar g§K (’o$SmB©) Ûmam {Z{X©îQ>mZwgma {H$`m J`m h¡. n{aUm_r bm^/hm{Z H$mo bm^/hm{Z ImVo HoŸ êŸn _| Xem©`m J`m h¡.

(I) Am` Am¡a ì`` _Xm| HŸmo, boZ-XoZ H$s VmarIm| H$mo {dÚ_mZ {d{Z_` Xam| HoŸ AZwgma aIm J`m h¡.

(J) {dXoer _wÐmAm| _| Omar Jma§{Q`m| Am¡a gmI nÍmm| g{hV ñdrH¥${V`m|, n¥îR>m§H$Zm| Am¡a AÝ` ~mÜ`VmAm| HoŸ {Z{_ËV àmg§{JH$ Xo`VAm| H$m, {OÝh| VwbZ-nÌ _| Xem©`m J`m h¡, dfmªV _| {dÚ_mZ {d{Z_` Xam| go _yë`m§H$Z {H$`m J`m h¡.

(II) E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm| go g§~§{ÜmV

boZ-XoZ :

C{MV ã`mO g{hV E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm| _| {dXoer _wÐm O_mam{ím`m| VWm VXZwê$nr AmpñV`m| HŸmo ~mμOma go OwS>r hþB© H$mën{ZHŸ$ Xam| HoŸ AZwêŸn aIm J`m h¡, {OZH$s Amd{ÜmHŸ$ êŸn go g_rjm H$s OmVr h¡. dfmªV _| AmpñV d Xo`VmAm| HŸmo E\$S>rEAmB© Ûmam {ZYm©{aV ^md na nwZ_y©ë`m§{H$V {H$`m OmVm h¡. n{aÊmm_r bmäm/ hm{Z HŸmo Am`/hm{Z Ho$ êŸn _o§ Xem©`m OmVm h¡.

3. {d{ZYmZ

(I) {d{ZÜmmZ HŸmo {d{ZYmZ dJr©H$aU d _yë`§mH$Z na ^m{a~¡§H$ Ho$ dV©_mZ _mJ©{ZXo©emZwgma boIm§{H$V {H$`m OmVm h¡ VWm {ZåZ N>h g_yhm| _| dJuH¥$V H$a VwbZ-nÌ _| nwZ…Xem©`m J`m h¡ :

(H$) gaH$mar n«{Vämy{V`m§

(I) AÝ` AZw_mo{XV n«{Vämy{V`m§

(J) ímoà

(K) {S~|Ma Am¡a ~m§S

(L>) AZwf§Jr g§ñWmAm|/g§`wŠV CnHŸ«_m| _| {d{ZÜmmZ

(M) AÝ` (dm{ÊmpÁ`H$ nÌ, å`yMwAb \§$S> H$s `y{ZQ>| Zm~mS>©-AmaAmB©S>rE\$, CÚ_ ny§Or {Z{Üm Am{X)

(II) ~¢HŸ HoŸ {d{ZÜmmZ g§{dämmJ HŸm {ZåZ VrZ lo{Êm`m| _| dJr©H¥ŸV {HŸ`m J`m h¡:

(H$) n{anŠd hmoZo VHŸ a»mo JE

(I$) {~HŸ«r HoŸ {bE CnbãÜm

(J) ì`mnma HoŸ {bE a»mo JE

~¢H , A{ämJ«hÊm HoŸ g_` n«ËòHŸ H$s loÊmr {Z{íMV H$a Am¡a CgH$m VXZwgma dJuH$aU H$aVm h¡. A§VaU HoŸ {XZm§HŸ HŸmo A{ÜmJ«hÊm bmJV/~hr _yë`/~mμOma _yë` H$s {ZåZV_ Xa na EH$ dJ© go Xygao dJ© _| n«{Vämy{V`m|| H$m A§VaÊm {H$`m OmVm h¡. Eogo A§VaUm| na `{X HŸmoB© _yë`õmg hmo Vmo CgHoŸ {bE nyam àmdYmZ {H$`m OmVm h¡ Ed§ VXZwgma n«{Vämy{V HŸm ~hr _yë` ~Xb {X`m OmVm h¡.

(III) _yë`m§H$Z

(H$) n{anŠd hmoZo VHŸ a»mo JE

(i) Bg loÊmr HoŸ A§VJ©V dJuH¥$V {d{ZYmZm| H$m _yë`m§H$Z dfmªV _| A{^J«hU bmJV na {HŸ`m J`m h¡ na§Vw Ohm§ A{^J«hU bmJV A§{HŸV _yë` go A{ÜmHŸ hmo dhm§ àr{_`_ H$mo pñWa bm^ àUmbr H$o$ AZwgma A_yV© {H$`m OmVm h¡.

(ii) AZwf§Jr g§ñWmAm|/g§`wŠV CnHŸ«_m| _| {d{ZÜmmZ HoŸ _m_bo _|, _yë` _| HŸmoB© õmg hmoZo na AñWmB© go {ämÝZ {d{ZÜmmZ HŸmo nhMmZm J`m h¡ Am¡a AbJ-AbJ êŸn go n«ËòHŸ {d{ZÜmmZ HoŸ {bE àmdYmZ {H$`m J`m h¡. AmaAma~r VWm CÚ_ ny§Or {Z{Üm _| {d{ZYmZ H$m _yë`m§H$Z A{^J«hU bmJV na {HŸ`m J`m h¡.

69

(iii) Bg loÊmr _| {d{ZÜmmZ HoŸ {~HŸ«r na A{O©V bm^ HŸmo nhbo bm^-hm{Z bo»mm _| {b`m J`m h¡ Am¡a VXZ§Va "n§y§OrJV Ama{úm{V »mmVo' _| {d{Z`mo{OV {HŸ`m J`m h¡.{Zdoím HŸr {~HŸ«r na hþB© hm{Z HŸmo bmäm-hm{Z »mmVo _| Xímm©`m J`m h¡.

(I) {~H«$s HoŸ {bE CnbãÜm

H$ gaH$mar n«{V^y{V`±m

i) Ho ÝÐ gaH$ma H$r

n«{V^y{V`±m

{ZYm©{aV Am` _wÐm ~mOma

VWm ^maVr` ì`wËnÝZ g§K

(E\$AmB©E_E_SrE) Ûmam

n«H$m{eV ~mOma _yë`/

dmB©QrE_ Amd{ÜmHŸ AmÜmma naii) amÁ` gaH$ma H$r n«{V^y{V`±m

E\ŸAmB©E_E_SrE/ämm.{a.~¢.

_mJ©{ZX}oímm| HoŸ AZwgmaI Ho$ÝÐ/amÁ` gaH$ma nrEg`y

~§mS Ûmam Jma§Qr Xr JB© n«{V^y{V`±m (A{J«_ Ho$ ñdêŸn _o§ Zhr§)

E\$AmB©E_E_SrE/^m{a~¡§H$ Ho$

_mJ©{ZXo©emZwgma n{anŠdVm na

C{MV Am` Ho$ AmYma na

J IOmZm {~b Tw>bmB© bmJV naK B©pŠdQr eoà ~mOma _yë` na, `{X ^md

{X`m OmVm h¡,AÝ`Wm AÚVZ VwbZ nÍm (EH$ df© go A{YH$ nwamZm Zhr§) Ho$ AZwgma eoà Ho$ {dÀNo{XV _yë` na AÝ`Wm 1é. n«{V H§$nZr H$r Xa go.

L A{Y_mÝ` eoà `{X ^md {X`m OmVm h¡ Vmo ~mOma _yë` na, AÝ`Wm ^m{a~¡ §H$/E\$AmB©E_E_SrE Ho$ _mJ©{ZXo©emZwgma n«{VXo` _yë` go A{YH$ Z hmoVo hwE n{anŠdVm AmYma na C{MV Am` na. A{Üm_mÝ` ímoàm| HoŸ _m_bo _| Ohm§ A{Üm_mÝ` bmämm§ím _| ~HŸm`m hmo, dhm§ g§{MV bmämm§ím HoŸ {bE HŸmoB© O_m Zht {b`m OmVm h¡ Am¡a `{X ~HŸm`m EHŸ dîm© AÏmdm Cggo A{ÜmHŸ Ad{Üm HoŸ {bE hmo Vmo dmBQrE_ HoŸ AZwgma {ZÜmm©{aV _yë` _| Ý`yZV_ 15% ~Åm bJm`m OmVm h¡. CnamoŠVmZwgma J¡a-{Zînm{XV ímoàm| HoŸ _m_bo _| Ohm§ bmämm§ím ~HŸm`m hmo {ZÜmm©{aV {HŸE JE _yë`õmg/n«mdÜmmZrHŸaÊm Amdí`HŸVmAm| HŸmo AÝ` {Zînm{XV A{Üm_mÝ` ímoàm| HoŸ dÜm©Z HoŸ n«{V goQAm\Ÿ Zht {HŸ`m OmVm h¡.

M ~m§S Ed§ {S~o§Ma (A{J«_ Ho$ ñdêŸn H$m Zhr§)

`{X ^md {X`m OmVm h¡ Vmo ~mOma _yë` na, AÝ`Wm ^m{a~¡ §H$/E\$AmB©E_E_SrE Ho$ _mJ©{ZXo©emZwgma n{anŠdVm AmYma HoŸ n«{V C{MV Am` na

N å`yMwAb \§ S H$r `y{ZQo§ `{X ^md {X`m OmVm h¡ Vmo eoà ~mOma ^md Xa na, `{X ^md Zhr§ {X`m OmVm h¡ Vmo nwZ…IarX _yë`/EZEdr na.

O dm{UpÁ`H$ H$mJμOmV TwbmB© bmJV na.P n«{V^y{V agrX AmpñV nwZJ©RZ H§$nZr Ûmam

Kmo{fV AmpñV Ho$ {Zdb AmpñV _yë` na.

Äm CÚ_ ny±Or {Z{Y drgrE\$ Ûmam Kmo{fV {Zdb AmpñV _yë` (EZEdr) na.

Q AÝ` {d{ZYmZ õmg _yë` KQmH$a TwbmB© bmJV na.

{~H«$r Ho$ {bE CnbãY Ed§ ì`mnma Ho$ {bE aIo JE loUr _o§ CnamoŠV _yë`§mH$Z pñH«$n AmYma na {H$`m OmVm h¡ VWm dJr©H$aU Ho$ {bE _yë`h«mg/_yë`d¥{Õ H$m Hw$b {H$`m OmVm h¡. n«ËòH$ dJr©H$aU HoŸ {bE _yë`õmg `{X hmo Vmo CgHoŸ {bE n«mdÜmmZ {HŸ`m OmVm h¡ VÏmm _yë`d¥{Õ NmoS {X`m OmVm h¡.

{Zdb AmYma na _yë`õmg Ho$ H$maU n«mdYmZ `{X A{YH$ hmo Vmo nhbo Cgo bm^ d hm{Z ImVo _o§ {b`m OmVm h¡ VWm ~mX _o§ ^m.{a.~¡§H$ Ho$ dV©_mZ _mJ©{ZXo©emZwgma "{Zdoe Ama{j{V ImVo' _o§ g_m`mo{OV {H$`m OmVm h¡.

EE\ŸEg/EME\ŸQr dJ© HoŸ {Zdoím HŸr {~HŸ«r na bmäm/hm{Z HŸmo bmäm d hm{Z »mmVo _| {b`m OmVm h¡.

IV. {ddoHŸnyÊm© _mZX§S

(H$) (i) H|$Ð gaH$ma H$s Jma§Q>r g{hV n«{Vämy{V`m| H$mo _yb YZ/ã`mO ^wJVmZm| HŸr ~H$m`m am[e na Ü`mZ Z XoVo hþE {ZînmXH$ {Zdoe _mZo OmVo h¢. VÏmm{n, `{X ã`mO 90 {XZm| go A{ÜmHŸ Ad{Üm HoŸ {bE dgyb Zht {H$`m OmVm h¡ Vmo Cgo HoŸdb ZH$Xr AmYma na Am` HoŸ êŸn _| nhMmZm OmEJm.

(ii) n«{Vämy{V`m§ Omo amÁ` gaH$ma Ûmam Jma§Q>rH$¥V h¢, Ohm± _ybYZ/ã`mO Xo` h¡ naÝVw 90 {XZm| go A{ÜmHŸ H$s Ad{Üm HoŸ {bE AXm Zht {HŸE JE h¢, AZwn`moÁ` {Zdoe _mZo OmVo h¢ VWm CgHo$ {bE ^maVr` {aOd© ~¢¢H$ _mJ©{ZX}emZwgma àmdYmZ {HŸ`m J`m h¡. AmJo, amÁ` gaH$ma Ûmam Jma§Q>r Xr JB© n«{Vämy{V`m| HoŸ {bE Ohm± _ybYZ/ã`mO Xo` h¡ bo{HŸZ 90 {XZm| go A{ÜmHŸ Ad{Üm HoŸ {bE àXËV Zht h¡, ã`mO HŸmo HoŸdb ZH$X AmYma na nhMmZm OmVm h¡.

70

(I) n«{Vämy{V`m§ Omo H$oÝÐ gaH$ma/amÁ` gaHŸma/A{Üm_mÝ` ímoàm| Ûmam Jma§Q>rH¥$V Zht h¡ : Ohm± _ybYZ/ã`mO/{ZYm©[aV bm^m§e Xo` h¡ naÝVw dîm© HoŸ A§V _| 90 {XZm| go A{YH$ Ad{Üm HoŸ {bE AXm Zht {H$E JE h¢, Eogo _Xm| HŸmo AZwn`moÁ` {Zdoím _mZm OmVm h¢ VWm ^maVr` {aμOd© ~¢HŸ Ho$ _mJ©{ZX}emZwgma àmdYmZ {HŸ`m J`m h¡.

(J) {S>~|Mam|/~m§S>m| HoŸ _m_bo _| Ohm§° _ybYZ/ã`mO ~H$m`m h¡, A[J«_m| HoŸ _m_bo _| àmdYmZ {H$`m J`m h¡.

(K) `{X OmarH$Vm© Ûmam ~¢H$ go àmá H$s JB© HŸmoB© ̂ r G$U gw{dYm J¡a {ZînmXH ~Zo Vmo CZHoŸ Ûmam {HŸgr n«{Vämy{V go {HŸE JE {Zdoím HŸmo AZwn`moÁ` {Zdoím _mZm OmVm h¡.

(S.) AZwn`moO` {Zdoímm| HoŸ g§~§Üm _| _yë`õmg/àmdYmZ Anoúmm AÝ` {ZînmXH$ {Zdoem| HoŸ _m_boŸ _| d¥{Õ HoŸ n«{V g_m`mo{OV Zhr§ {H$`m J`m h¡.

(M) B©pŠdQ>r ímoàm| HoŸ _m_bo _| ̀ {X ̂ m.{a.~¢H$ HoŸ {Xímm{ZXo©ímmZwgma ^mdXa ̀ m AÚVZ VwbZ nÌ H$s AZwnbãYVm HoŸ H$maU {H$gr H§ŸnZr H$m ímoàm| _| {Zdoím HoŸ é.1 H$s H$s_V _mZr OmVr h¡ Vmo Eogo B©pŠdQ>r ímoàm| HŸmo ämr _m_bo Ho$ AZwgma,AZwn`moÁ` {Zdoím _mZm OmEJm.

(N) A{Üm_mÝ` ímoàm| HoŸ _m_bo _| Ohm§ A{Üm_mÝ` bmämm§ím _| ~HŸm`m hmo, dhm§ g§{MV bmämm§ím HoŸ {bE HŸmoB© O_m Zht {b`m OmVm h¡ Am¡a `{X ~HŸm`m EHŸ dîm© AÏmdm Cggo A{ÜmHŸ Ad{Üm HoŸ {bE hmo Vmo dmBQrE_ HoŸ AZwgma {ZÜmm©{aV _yë` _| Ý`yZV_ 15% ~Åm bJm`m OmVm h¡. CnamoŠVmZwgma J¡a-{Zînm{XV ímoàm| HoŸ _m_bo _| Ohm§ bmämm§ím ~HŸm`m hmo {ZÜmm©{aV {HŸE JE _yë`õmg/n«mdÜmmZrHŸaÊm Amdí`HŸVmAm| HŸmo AÝ` {Zînm{XV A{Üm_mÝ` ímoàm| HoŸ dÜm©Z HoŸ n«{V goQAm\Ÿ Zht {HŸ`m OmVm h¡.

4. ì`wËnÞ go g§~§{ÜmV boZXoZ

ì`wËnÞ H$amam| H$mo n«{Vajm Am¡a ì`mnma HoŸ êŸn _| Zm_mo{X²XîQ> H$a {ZåZmZwgma bo»mm~Õ {H$`m J`m h¡:

H$. n«{Vaúmm {d{Z_`: ~mOma _yë` ̀ m H$_ bmJV na ̀ m {dËVr` {ddaU ~mOma _yë` na Ym{aV AmpñV `m Xo`Vm go g§~§{ÜmV {d{Z_` HŸmo NmoSHŸa, ã`mO `wŠV AmpñV d Xo`VmAm| H$s n«{Vajm hoVw ã`mOXa {d{Z_` H$mo àmoX²äm{dV AmYma na bo»mm~Õ {H$`m J`m h¡. Eogr {ñÏm{V _| {d{Z_` ~mμOma HŸmo A§{HŸV {HŸ`m J`m h¡¡ Ed§ n{aUm_r bm^ d hm{Z H$m Zm_mo{ÔîQ> AmpñV `m Xo`Vm HŸmo ~mOma _yë` HoŸ g_m`moOZ HoŸ êŸn _| A{äm{b{»mV {HŸ`m J`m h¡.

g_má {H$E JE {d{Z_` HoŸ _m_bo _|, bm^ d hm{Z HŸmo AmñW{JV H$a, {d{Z_` H$s ímoîm g§{dXmJV Ad{Üm `m

AmpñV/Xo`Vm H$s Ad{Y, Omo ^r H$_ hmo, _mZm J`m h¡.

I. à{Vaúmm _Xm| H$mo nwZZm©{_V H$aZm : `{X n«{Vaúmm _Xm| HŸmo EH$ AmpñV/ Xo`Vm _X go Xygao AmpñV/Xo`Vm _X HoŸ êŸn _| nwZZm©_mo[X²XîQ {H$`m OmVm h¡ Vmo, CŠV H$m`© H$mo EH$ n«{Vajm H$s g_m{ßV Ed§ Xygao H$m CnmO©Z HoŸ êŸn _| bo»mm~Õ {HŸ`m OmEJm. nwZZm©_mo©{X²XîQ {H$E OmZo H$s VmarI HŸmo {d{Z_` ~mμOma HŸmo A§{HŸV {HŸ`m OmVm h¡ Am¡a {d{Z_` H$s ímoîm Ad{Üm `m AmpñV/ Xo`Vm H$s ímoîm Ad{Üm, Omo ^r H$_ hmo, HoŸ AZwgma ~mOma _yë` HoŸ ~hr _| A§{HŸV HŸaZo HoŸ _yë` n{aímmo{ÜmV {HŸ`m OmVm h¡. ~mOma _yë` H$mo ~hr _| A§{HŸV HŸaZo HoŸ n«{V g§VwbZ g_m`moOZ H$mo ZE ê$n go Zm_mo{ÔîQ AmpñV/Xo`Vm H$s n«{Vaúmm na àmá `m àXËV àr[_`_ HoŸ êŸn _| _mZm OmEJm Am¡a nwZZm©_mo{X²XîQ AmpñV/Xo`Vm H$s Ad{Y `m {d{Z_` H$s ímoîm Ad{Üm, Omo ^r H$_ hmo, HoŸ AZwgma BZH$m n[aemoYZ {H$`m OmEJm.

J. ì`mnmar {d{Z_` : ì`mnmar {d{Z_` HoŸ g§~§Üm _| ~mμOma _yë` H$mo ~hr _| A§{HŸV {HŸ`m OmVm h¡ Am¡a n{aUm_r bm^ `m hm{Z H$mo Am` {ddaU _| A{^bo{IV {H$`m OmVm h¡. {d{Z_` H$s g_m{á na àmá bm^ `m hm{Z H$mo VmËH$m{bH$ Am` `m ì`` HoŸ$ êŸn _| A{äm{b{»mV {HŸ`m OmVm h¡.

5. AMb AmpñV`m§/_yë`õmg

(I) AMb AmpñV`m§

(H$)$ ~¢H$ n[aga _| ímm{_b h¡, nyU© ñd{_Ëddmbr g§npËV Am¡a nQ²>Q>m-Y¥{V g§npËV. IarXr JB© Am¡a Am~§{Q>V ^y{_ Am¡a ^dZm| H$m, H$amaZm_m|/Am~§{QV nÌm| Am¡a dmñV{dH$ H$ãOm| HoŸ AmYma na n§OrH$aU {H$`m J`m h¡. AÝ` AMb Am[ñV`mo| H$mo CZH$o$ BñVo_mb H$s VmarI go ny§OrH$¥V {H$`m OmVm h¡. _yë`m§{H$V n{aga Am¡a AÝ` AMb Am{ñV`m| H$mo N>moS>H$a n{aga Am¡a AÝ` AMb Am{ñV`m| H$mo CZH$s$ Eo{Vhm{gH$ bmJV na Xem©`m J`m h¡. Eogr AMb AmpñV`m| H$mo nwZ_y©ë`m§{H$V aH$_ HoŸ AmYma na Xem©`m J`m h¡.

>(I) nÅo na /{HŸamE na br JB© g§npËV HoŸ g§~§Üm _| ny§OrJV AmpñV`m| HoŸ A{ämJ«hÊm HoŸ {bE {H$E JE A{J«_ ^wJVmZ HŸmo "AÝ` AmpñV`m|' HoŸ A§VJ©V aIm J`m h¡.

(II) _yë`õmg /n{aímmoÜmZ

(H$) Hw$N> g§npËV`m| H$s g{å_l bmJV g{hV Ohm§ ämy{_ bmJV H$m n¥ÏmHŸHŸaÊm H$aZm g§^d Zht h¡, H§$ß`yQ>am| go {^Þ AMb AmpñV`m| H$m "Am` H$a {Z`_m|' HoŸ A§VJ©V õmg_mZ g§VwbZ nÕ{V HoŸ AmYma na

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{ZÜmm©{aV Xa go _yë`õmg {H$`m J`m h¡. H§$ß`yQ>am| H$m _yë`õmg, grYr ao»mm nÕ{V HoŸ AmYma na 33.33% à.d. H$s Xa go {HŸ`m J`m h¡. »marX HoŸ df© _| A_yV© AmpñV`m| HoŸ êŸn _| _mZo JE AÝ` gm°\$Q>doà IMm|© H$mo {Ogo A_yV© AmpñV Ho$ êŸn _o§ _mZm OmVm h¡, 100% na n{aímmo{ÜmV {HŸ`m J`m h¡. {dËVr` df© HoŸ Xm¡amZ AMb Am{ñV`m| _| {H$E JE OmoS> na _yë`õmg, {ZYm©{aV _yë`õmg Xa HoŸ 100% H$r Xa go {HŸ`m J`m h¡ ~ímVo© {HŸ$ df© HoŸ Xm¡amZ AmpñV`m| H$m 180 {XZ d Cggo A{ÜmHŸ {XZm| HoŸ {bE Cn`moJ {HŸ`m J`m hmo Am¡a {ZÜmm©{aV _yë`õmg Xa HoŸ 50% H$s Xa go Cn`moJ {HŸ`m J`m h¡ ~eV} {H$ df© HoŸ Xm¡amZ AmpñV`m| H$m 180 {XZm| go H$_ g_` VH$ Cn`moJ {HŸ`m J`m hmo. {~HŸ«r/{ZnQ>mZ df© _| H$moB© _yë`õmg Zht {H$`m J`m h¡.

(I) n{agam| HoŸ g§~§Üm _| nwZ_y©ë`m§{HŸV am{ím na d¥{Õímrb _yë`õmg nwZ_y©ë`m§HŸZ Ama{úmV »mmVo go g_m`mo{OV {HŸ`m J`m h¡.

6. nÅo na Xr JB© AmpñV`m§ :

bo»mmHŸaÊm _mZH$ 19 HoŸ AZwgma nÅmJV Am{ñË`m| HŸm bo»mmHŸaÊm {HŸ`m J`m h¡. J¡a- {ZînmXH$ AmpñV`m| HoŸ g§~§Üm _| àmdYmZ H$aVo g_` A{J«_m| HoŸ {bE ^maVr` {aμOd© ~¢H$ Ûmam {ZYm©{aV AmpñV`m| HoŸ dJuH$aU go g§~§{ÜmV _mZX§S> AnZmE JE h¢.

7. J¡a-~¢{H§Ÿ$J AmpñV`m§$:

J¡a ~¢qH$J AmpñV`m| HŸmo CZHŸr bmJV na Xem©`m J`m h¡.

8. ApJ«_:

ämmaVr` {aμOd© ~¢HŸ HoŸ {Xímm{ZXo©ímmZwgma, A{J«_m| HŸm dJr©HŸaÊm A~ VHŸ HŸr J`r dgy{b`m| HŸmo Ü`mZ _| a»mVo hwE _mZHŸ, Ad_mZHŸ, g§{X½Üm VÏmm hm{ZnaHŸ Am{ñV`m| HoŸ êŸn _| {HŸ`m OmVm h¡. J¡a-{ZînmXHŸ Am{ñV`m| HoŸ {bE n«mdÜmmZ ämmaVr` {aOd© ~¢HŸ HoŸ {Xímm{ZXo©ímmZwgma {HŸ`m OmVm h¡.

(H$) ^maVr` {aOd ~¢H$ HoŸ _mJ©{ZX}emZwgma, _yb YZam{e/ã`mO H$s dgybr HoŸ AmYma na A{J«_m| H$m "{ZînmXH$', "AZO©HŸ' AmpñV`m| HoŸ êŸn _| dJuH$aU {HŸ`m J`m h¡ VWm A{J«_m| HŸmo 90 {XZm| HoŸ ~HŸm`m aH$_ AXm HŸaZo g§~§Ümr _mZXÊS>m| g{hVAZO©HŸ AmpñV`m| HoŸ êŸn _| dJuH$aU {HŸ`m J`m h¡. amÁ` gaH$ma Ûmam Jma§Q>rH¥$V A{J«_m| HoŸ g§~§Üm _| ImVm| HŸm AZO©HŸ AmpñV HoŸ êŸn _| dJuH¥$V HŸaZo HoŸ _m_bo _| Jma§Q>r bmJy HŸaZo HŸr Anoúmm HŸmo n¥ÏmHŸ H$a {X`m J`m h¡. AZO©HŸ AmpñV`m| H$mo àmdYmZ H$s g§JUZm H$aZo HoŸ {bE Ad_mZH$ g§{X½Üm Am¡a hm{Z AmpñV`m| HoŸ êŸn _| dJuH¥$V {HŸ`m OmVm h¡.

VwbZ-nÌ _| Xem©E JE A{J«_, (AñWm`r àmdYmZm| g{hV) AZO©HŸ A{J«_m|, CM§V ã`mO VWm àmá B©grOrgr/S>rAmB©grOrgr, Xmdm| HoŸ g§~§Üm _| {Zdb àmdYmZ h¡.

(»m) A{J«_m| _| nmg Ï«ym n«_mÊmnÍm (nrQrgr) _| ~¢HŸ HŸr ghämm{JVm/`moJXmZ VÏmm/`m AÝ` ~¢HŸm|/{dËVr` g§ñÏmmAm| HoŸ FÊm Am{ñV`m| HoŸ Am{ñV g_{Ïm©V g_ZwXoímZ Ohm§ ~¢HŸ Zo Omo{»m_ ghämmJr AmÜmma na HŸm`© {HŸ`m h¡.

(J) nyd© dîmmoª _| ~Åo »mmVo Smbo JE AímmoÜ` FÊmm| HoŸ n«{V HŸr J`r dgybr HŸmo bmäm d hm{Z »mmVo _| Smbm OmVm h¡.

(¿m) CÜmmaHŸVm© HoŸ dV©_mZ ñVa HoŸ AZwêŸn {ZînmXHŸ Am{ñV HoŸ êŸn _| A~ VHŸ Ano{úmV Zht g_Âmo JE bmäm-hm{Z »mmVo _| {HŸE JE n«mdÜmmZ ~Åo »mmVo go dmng bmäm-hm{Z »mmVo _| Smbo OmVo h¢.

(S.) _mZH$ A{J«_m| na àmdYmZ HŸmo "AÝ` Xo`VmE§ Am¡a àmdYmZ' HoŸ A§VJ©V Xem©`m J`m h¡.

(M) A{J«_m| na àmdYmZ, ^m.{a.~¢H$ HoŸ _mJ©{ZX}em| HoŸ$ AZwgma {ZåZmZwgma {H$`m J`m h¡ :

1. _mZH$ AmpñV`m§ : dm{Êm{Á`HŸ ñÏmmda g§nXm úmoÍm HŸmo _mZHŸ A{J«_ HŸm 1%, àË`j H¥${îm Am¡a bKw d _Pm¡bo CÚ_ joÍm HoŸ AYrZ ~H$m`m {ZînmXHŸ A{J«_m| H$m 0.25%, `Ïmm 31.03.2014 HŸmo _mZHŸ g§dJ© HoŸ AÜmrZ VÏmm 01.06.2013 go nhbo nwZgªa{MV »mmVm| HoŸ {bE 3.50%, 31.05.2013 HoŸ ~mX nwZgªa{MV _mZHŸ g§dJ© HoŸ »mmVm| HoŸ {bE 5% VÏmm AÝ` gämr ~HŸm`m {ZînmXHŸ A{J«_m| na 0.40%.

2. Ad_mZH$ AmpñV`m§ : ~H$m`m A{J«_m| HoŸ 15% H$s Xa go `Ú{n, Ad_mZH$ AmpñV`m| HoŸ _m_bo _|, {Ogo àma§^ go "An«{V^yV {Zdoe' HoŸ êŸn _| nhMmZm J`m h¡ HoŸ {bE ~HŸm`m ímoîm HoŸ 25% H$m àmdYmZ aIm J`m h¡.

3. g§{X½Y AmpñV`m§ : {OVZr Ad{Üm HoŸ {bE AmpñV`m§ g§{X½Üm ahr hm| CgHoŸ AmYma na n«{VämyV A§e HoŸ 25% go 100% VH$ Am¡a S>rAmB©grOrgr `moOZm HoŸ g§~§Üm _| dgyb H$s J`r am{ím H$m Am¡a B©grOrgr `moOZm HoŸ A§VJ©V a{jV dgyb H$s JB©/H$aZo `mo½` Jma§Q>r H$m {Zdb {ZH$mbZo HoŸ ~mX ~H$m`m ímoîm am{ím HoŸ J¡a-O_mZVr A§e H$m 100%.

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4. hm{ZnaH$ AmpñV`m§ : ~HŸm`m A{J«_m| H$m 100%.

(N) nwZgªa{MV/nwZ{Z©Ümm©{aV »mmVo :

nwZgªa{MV/nwZ{Z©Ümm©{aV »mmVm| HoŸ g§~§Üm _| {X.27.08.2008 HoŸ n{anÍm VÏmm {X.02.07.2012 HoŸ _mñQa n{anÍm HoŸ O{aE ämmaVr` {aOd© ~¢HŸ Ûmam Omar A{J«_m| HŸr nwZgªaMZm HoŸ gm_mÝ` Tm§Mo HoŸ AZwgma nwZgªa{MV _yë` HoŸ C{MV _yë` _| õmg HŸmo Xya HŸaZo HoŸ {bE n«mdÜmmZ {HŸE JE h¢.

A{J«_m| HoŸ C{MV _yë` _| õmg HŸm n{aHŸbZ nwZgªaMZm HoŸ nyd© VÏmmŸ ~mX _| FÊm HoŸ C{MV _yë` HoŸ ~rM HoŸ A§Va go {HŸ`m OmVm h¡.

nwZgªaMZm go nyd© FÊm HoŸ C{MV _yë` HŸm n{aHŸbZ nwZgªaMZm go nyd© A{J«_ na n«ämm{aV dV©_mZ Xa na ã`mO n«{V\Ÿ{bV HŸaZodmbo ZHŸX n«dmh HoŸ dV©_mZ _yë` VÏmm _ybÜmZ, nwZgªaMZm HŸr Vmar»m HŸmo ~¢HŸ HoŸ AmÜmma Xa HoŸ g_ Xa na ~ÅmJV VÏmm nwZgªaMZm HŸr Vmar»m HŸmo CÜmmaHŸVm© loÊmr HoŸ {bE C{MV gmd{Üm n«r{_`_ VÏmm FÊm Omo{»m_ n«r{_`_ go {HŸ`m OmVm h¡.

nwZgªaMZm HoŸ ~mX FÊm HoŸ C{MV _yë` HŸm n{aHŸbZ nwZgªaMZm na A{J«_ na n«ämm{aV Xa na ã`mO n«{V\Ÿ{bV HŸaZodmbo ZHŸX n«dmh HoŸ dV©_mZ _yë` VÏmm _ybÜmZ, nwZgªaMZm HŸr Vmar»m HŸmo ~¢HŸ HoŸ AmÜmma Xa HoŸ g_ Xa na ~ÅmJV VÏmm nwZgªaMZm HŸr Vmar»m HŸmo CÜmmaHŸVm© loÊmr HoŸ {bE C{MV gmd{Üm n«r{_`_ VÏmm FÊm Omo{»m_ n«r{_`_ go {HŸ`m OmVm h¡.

C{MV _yë` _| õmg HŸm n«ËòHŸ VwbZ-nÍm Vmar»m na nwZ:n{aHŸbZ {HŸ`m OmVm h¡ O~{HŸ gämr MwHŸm¡Vr ~mÜ`VmE§ g§VmoîmOZHŸ VarHoŸ go nyar HŸr OmVr h¡ VÏmm ~HŸm`m am{ím HŸr nyar MwHŸm¡Vr HŸr OmVr h¡ Vm{HŸ AmÜmma Xa, gmd{Üm n«r{_`_ VÏmm CÜmmaHŸVm© HoŸ FÊm g§dJ© _| n{adV©Z HoŸ HŸmaÊm C{MV _yë` na hwE n{adV©Z HŸmo ímm{_b {HŸ`m Om gHoŸ.

Ohm§ HŸht ämr AZw_V h¡, nwZgªa{MV »mmVm| HŸm dJr©HŸaÊm ämmaVr` {aμOd© ~¢HŸ HoŸ {ZXo©ímmZwgma {dímoîm {dVaÊm, g{hV {HŸ`m J`m h¡.

9. amOñd {ZÜmm©aU:

ZrMo Cpëb{IV _m_bm| H$mo N>moS>H$a Am` H$mo Cn{MV AmYma na bo»mm~Õ {HŸ`m J`m h¡ :

(H$) AZO©HŸ Am{ñV`m| HoŸ _m_bo _|, ^m.{a.~¢HŸ HoŸ _mJ©{ZXo©ímm| HoŸ AZwgma ZH$Xr AmYma na Am` HŸm {ZÜmm©aÊm {HŸ`m J`m h¡.

Ohm§ AJa {Z`_Z HoŸ êŸn _| EZnrE ImVm| H$s loÊmr ~TμmZo HoŸ {bE dgybr n`m©á Z hmo dhm§ Eogr dgybr H$m g~go nhbo _yb ÜmZam{ím /~hr ímoîmam{ím HoŸ n«{V Am¡a ~mX _| ã`mO g§~§Ümr Xo`VmAm| HoŸ n«{V {d{Z`moJ {HŸ`m J`m h¡. AZO©HŸ {d{ZÜmmZ HoŸ g§~§Üm _| Cn`w©ŠËm bo»mmHŸaÊm àUmbr AnZm`r OmVr h¡¡.

(I) å`yCMb \§$S> `y{ZQm|,~r_m Ed§ {ZjonmJma gh^mJr HŸmamo~ma na H$_reZ, ì`mnmar ~¢{H§ŸJ boZXoZ, gm_mÝ` ~r_m HŸamo~ma, _wÐm A§VaU godmE§, å`yMwAb \§$S> CËnmXm| HŸr {~HŸ«r, bm°H$a {H$am`m, gaH$mar HŸamo~ma na H$_reZ Am{X go àmá Am` H$mo ZH$X/dgybr AmYma na bo»mm~Õ {HŸ`m OmVm h¡.

(J) J¡a-{Z{Üm AmÜmm{aV HŸmamo~ma go A{O©V HŸ_rímZ AÏmm©V gm»m nÍm VÏmm ~¢HŸ Jma§{Q`m| HŸm n{aHŸbZ ZHŸX AmÜmma na {HŸ`m OmVm h¡.

(K) n«{Vämy{V`m| na Xo` na§Vw 90 {XZm| HoŸ ~mX ^r AXËV ã`mO H$m, ^m.{a.~¢HŸ HoŸ _mJ©{ZXo©ím HoŸ AZwgma dgybr AmYma na {ZYm©aU {HŸ`m J`m h¡.

(L>>) _wH$X_m Xmà ImVm| HoŸ _m_bm| _| {d{Üm à^ma bm^ hm{Z »mmVo _| S>mbm OmVm h¡. Bgr àH$ma Eogo _wH$X_m Xmà ImVm| HoŸ$ _m_bm| _| dgybm J`m {d{YH$ ì`` H$mo Am` HoŸ êŸn _| {b`m OmVm h¡ Ed§ am{ím H$mo n«Ë`md{V©V {HŸ`m OmVm h¡¡.

10. {Zdb bm^

{Zdb bm^ {ZÜmm©{aV HŸaZo go nhbo {ZåZ{b{»mV {HŸE JE:

(H$) gm§{d{ÜmHŸ AnoúmmAm| HoŸ AZwgma Am` H$a Am¡a YZ H$a HoŸ {bE àmdYmZ

(I) A{J«_/{d{ZYmZ HoŸ {bE àmdYmZ

(J) {d{ZÜmmZ HoŸ _yë` _| g_m`moOZ

(K) àmdYmZ Am¡a AmH$pñ_H$ ì`` _| A§VaU

(L) ämmaVr` {aμOd© ~¢HŸ HoŸ _mZXÊS>m| HoŸ$ AZwgma N>: _mh go A{ÜmHŸ Ad{Üm$ HoŸ {bE Ag_m`mo{OV A§Va emIm bo»mm| HoŸ {bE àmdYmZ

(M) AÝ` gm_mÝ` d Amdí`H$ àmdYmZ

11. HŸ_©Mmar g§~§Yr bm^ :

(H$) HŸ_©Mm{a`m| HoŸ g§~§Üm _| {ddmX/g_Âmm¡Vo go CËnÝZ hmoZodmbo Xmdm| HŸm A§{V_ {ZnQmZ/{ZÜmm©aÊm dîm© _| bo»mm§H$Z {HŸ`m OmVm h¡.

(I) {OZ H$_©Mm[a`m| Zo äm{dî` {Z{Üm ̀ moOZm MwZr h¡, CZHoŸ g§~§Üm _| ~¢HŸ Ûmam äm{dî` {Z{Üm HŸmo _mÝ`Vm XoZo hoVw {ZÜmm©{aV

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`WmZwnmV A§eXmZ {H$`m OmVm h¡. Xygam| HoŸ _m_bo _|, {OÝhm|Zo n|ímZ `moOZm AnZmB© h¡ CZHoŸ _m_bo _| bo»mmHŸaÊm _mZHŸ 15 HoŸ AZwgma, ~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma n|ímZ {Z{Üm _| A§eXmZ {HŸ`m OmVm h¡.

(J) CnXmZ {Z{Üm _| A§ímXmZ, bo»mmHŸaÊm _mZHŸ 15 HoŸ AZwgma ~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma na {H$`m J`m h¡.

(¿m) Nw>Q²>Q>r ZH$XrH$aU, gm{ÜmHŸma NwÅr HoŸ n«{V Xo`Vm bo»mm _mZHŸ 15 ~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma àXmZ {HŸ`m OmVm h¡.

{ddaU {ZåZmZwgma h¡…

XrKm©d{Y H$_©Mmar bm^…

XrKm©d{Y H$_©Mmar bm^(H$_©Mmar Ho$ godmH$mb H$r Ad{Y Ho$ g_mnZ go ~mah _mh Ho$ A§V _o§ Xo` bm^),VWm nX {Z`moOZ bm^ (godmH$mb Ho$ g_mnZ Ho$ ~mX Xo` bm^),n{a`mo{OV BH$mB© FU n«Umbr Ûmam dm{f©H$ V¥Vr` núm dmñV{dH$ _yë`§mH$Z Ho$ AmYma na,~Q²QmJV AmYma na {X`m OmVm h¡. ~¡§H$ dmñV{dH$ _yë`§mH$Z Ho$ AZwgma {ZåZ XrKm©d{Y H$_©Mmar bm^ n«XmZ H$aVm h¡…

1. NwÅr ^wZmB©… n«ËòH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV V¥Vr` númH$ma dmñV{dH$ _yë`§mH$Z na AmYm{aV g§~§{YV H$_©Mm{a`mo§ Ûmam godm n«XmZ H$r OmVr h¡ Cg df© _o§ NwQ²Qr ^wZmZo Ho$ n«{V AmñW{JV nmÍmVm Ho$ H$maU Cn{MV Xo`Vm HoŸ {bE ~¢HŸ n«mdÜmmZ HŸaVm h¡.

2. no§eZ… n«ËòH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV dmñV{dH$ _yë`§mH$Z na AmYm{aV no§eZ Ho$ {bE {OZ H$_©Mm{a`mo§ Zo {dHën {X`m h¡ Ho$ H$maU Cn{MV Xo`Vm HoŸ {bE ~¢HŸ n«mdÜmmZ HŸaVm h¡.

3. J«¡Q²`w{Q … n«ËòH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV dmñV{dH$ _yë`§mH$Z na AmYm{aV J«oQ²`w{Q Xo`Vm HoŸ {bE ~¢HŸ n«mdÜmmZ HŸaVm h¡.

no§eZ VWm J«oQ²`w{Q A§eXmZ ñd¶§-ì`dpñWV Ý`mgm| _o§ A§V{aV h¡.

12. H$amYmZ HoŸ {bE àmdYmZ :

HŸa ì`` _| dV©_mZ Ed§ AmñÏm{JV HŸa ímm{_b h¡. dV©_mZ Am` HŸa HŸm n{aHŸbZ Am` HŸa A{Üm{Z`_ 1961 HoŸ AZwgma HŸa n«m{ÜmHŸm{a`m| HŸmo ämwJVmZ HŸr OmZodmbr Ano{úmV am{ím go {HŸ`m OmVm h¡. AmñÏm{JV Am` HŸa _| dîm© HoŸ {bE HŸa `mo½` Am`

VÏmm bo»mm§HŸZ Am` HoŸ ~rM HoŸ g_` dV©_mZ dîm© HoŸ g_` A§Vamb HŸm n«ämmd VÏmm nyd© dîmmoª HoŸ g_` A§Vamb HŸm n«Ë`mdV©Z n«{V\Ÿ{bV HŸaVm h¡. AmñÏm{JV HŸa HŸm n{aHŸbZ VwbZ nÍm Vmar»m HŸmo A{Üm{Z`{_V `m _yb êŸn go A{Üm{Z`{_V HŸa Xam| VÏmm HŸa HŸmZyZ HoŸ AmÜmma na {HŸ`m OmVm h¡.

13. AZO©H$

n«ËòH$ VwbZ nÍm _o§ ~mø/A§mV{aH$ VËd na AmYm{aV AZO©H$ H$r H$moB© gyMZm Ho$ {bE AmpñV`mo§ H$r TwbmB© JB© am{e H$r g_rjm H$r OmVr h¡. O~ ^r {H$gr AmpñV H$r TwbmB© JB© am{e AZw_m{ZV dgybr ̀ mo½` am{e go A{YH$ hmo Vmo AZO©H$ hm{Z hmoVr h¡.

14. »m§S {anmo{QªJ :

ämmaVr` {aμOd© ~¢HŸ Ûmam Omar _m½m©{ZXo©ímmZwgma ~¢HŸ Zo {ZåZmZwgma »m§S {anmo{QªJ ímwêŸ HŸr h¡.

1. »mOmZm : {Og_| gämr {Zdoím g§{dämmJ, {Zdoímm| HŸr {~HŸ«r na bmäm/hm{Z, {dXoímr {d{Z_` boZXoZm| na bmäm/hm{Z, B©{ŠdQr, ì`wËnÝZ VÏmm _wÐm ~mOma n{aMmbZm| go Am` ímm{_b h¡. Bg »m§S HoŸ ì`` _| ~mø g«moVm| d Am§V{aHŸ g«moVm| go CÜmma _| {bE JE {Z{Üm na ã`mO ì`` VÏmm n{anŠd hmoZo VHŸ Ümm{aV {Zdoím loÊmr na _yë`õmg/n«r{_`_ HŸm n{aímmoÜmZ ímm{_b h¡.

2. HŸm°nmo©aoQ/ÏmmoHŸ ~¢{H§ŸJ _| HŸm°nmo©aoQ J«mhHŸm| go CÜmma VÏmm O_mam{ím VÏmm »m§S HoŸ A{ämkßV AO©Z VÏmm ì`` ímm{_b h¡.

3. »mwXam ~¢{H§ŸJ _| »mwXao J«mhHŸm| go CÜmma VÏmm O_mam{ím VÏmm »m§S HoŸ A{ämkßV AO©Z VÏmm ì`` ímm{_b h¡.

4. AÝ` ~¢{H§ŸJ n{aMmbZ _| »mOmZm, ÏmmoHŸ ~¢{H§ŸJ VÏmm »mwXam ~¢{H§ŸJ HoŸ AÜmrZ ímm{_b Zht {HŸE JE AÝ` gämr n{aMmbZ ímm{_b h¡.

15. n«{V ímoà AO©Z :

n«{V ímoà AO©Z HŸm n{aHŸbZ B©{ŠdQr ímoà ÜmmaHŸm| HoŸ {bE {ZÜmm©{aV Ad{Üm HoŸ {bE {Zdb bmäm `m hm{Z (A{Üm_mÝ` bmämm§ím VÏmm Cg na `mo½` HŸa HŸr HŸQm¡Vr HoŸ ~mX) HŸm Ad{Üm HoŸ Xm¡amZ ~HŸm`m B©{ŠdQr ímoà HoŸ ämm{aV Am¡gV g§»`m go {dämm{OV HŸaVo hwE {HŸ`m OmVm h¡. n«{V B©{ŠdQr ímoà HŸ_ hwE AO©Z HŸm n{aHŸbZ B©{ŠdQr ímoàm| HŸr ämm{aV Am¡gV g§»`m VÏmm dîmmªV _| ~HŸm`m HŸ_ hmoZo dmbo g§ämm{dV B©{ŠdQr ímoà go {HŸ`m OmVm h¡.

74

16. AmHŸ{ñ_HŸ Xo`VmE§ VÏmm n«mdÜmmZ :

1. nyd© ¿mQZm HoŸ \ŸbñdêŸn hwE Xm{`Ëd HoŸ HŸmaÊm n«mdÜmmZ HŸmo A{ämkßV {HŸ`m OmVm h¡. `h EHŸ g§ämmdZm h¡ {HŸ Xm{`Ëd HŸm {ZnQmZ HŸaZo HoŸ {bE g§gmÜmZm| HoŸ ~mø n«dmh HŸr Amdí`HŸVm h¡ {OgHoŸ {bE {dídñV AZw_mZ bJm`m Om gHŸVm h¡. n«mdÜmmZm| HŸm dV©_mZ _yë` go ~ÅmJV Zht {HŸ`m OmVm h¡ VÏmm VwbZ nÍm Vmar»m HŸmo Xm{`Ëd HŸm {ZnQmZ HŸaZo HoŸ {bE Ano{úmV gdmo©ËH¥ŸîQ AZw_mZ HoŸ AmÜmma na n{aHŸbZ {HŸ`m OmVm h¡. n«ËòHŸ VwbZ nÍm Vmar»m HŸmo BZHŸr g_rúmm HŸr OmVr h¡ VÏmm dV©_mZ gdmo©ËH¥ŸîQ AZw_mZ n{ab{úmV HŸaZo HoŸ {bE BZHŸm g_m`moOZ {HŸ`m OmVm h¡.

2. VwbZ nÍm HŸr Vmar»m HŸmoŸ gaHŸmar n«{Vämy{V`m| VÏmm AÝ` _| {ZnQmZ hoVw b§{~V boZXoZm| HŸmo VwbZ-nÍm HoŸ ~mø _Xm| HoŸ êŸn _| AmHŸ{ñ_HŸ Am{ñV`m| VÏmm Xo`VmE§ ímrîm© HoŸ AÜmrZ Xímm©`m J`m h¡.

17. ZHŸXr n«dmh {ddaÊmr _| ZHŸXr VÏmm ZHŸXr g_Vwë` am{ím _| ämmaVr` {aμOd© ~¢HŸ HoŸ nmg a»mr J`r ímoîmam{ím VÏmm ~¢HŸm| _| ímoîmam{ím d _§mJ Am¡a Aën gyMZm na n«{VXo` am{ím ímm{_b h¡.

18. ~¢HŸ Zo {d{Z`m_HŸ n{adV©Z g{hV, `{X HŸmoB© h¡, HoŸ AÜmrZ {nNbo dîmmoª HoŸ g_mZ bo»mm§HŸZ Zr{V HŸm nmbZ {HŸ`m h¡.

75

AZwgyMr - 18 : boImo| na [Q>ßn[U`m§1. A§Va emIm Am¡a AÝ` bo»mm| _| 31.03.2015 HŸmo ~HŸm`m n«{d{îQ`m| H$m g_mYmZ HŸa {X`m J`m h¡. A§Va ímm»mm Am¡a A§Va ~¢HŸ bo»mm|, S«mâQ bo»mm|,

CM§V bo»mm|, ímm»mm g_m`moOZ bo»mm|, g_mímmoÜmZ boZ-XoZ, {Z{Üm A§VaÊm, n«XËV/n«Xo` bmämm§ím/ã`mO ämwJVmZ AmXoímm| go g§~§{ÜmV ímoîmam{ím`m|, Am{ñV`m| HoŸ AO©Z hoVw n«XËV A{J«_m| Am{X g{hV A§Va ímm»mm Am¡a A§Va ~¢HŸ bo»mm| _| ~HŸm`m n«{d{îQ`m| HoŸ {_bmZ HŸm HŸm`© 31.12.2014 VHŸ g_mßV hmo MwHŸm h¡ VÏmm ímoîm Ad{Üm HoŸ {bE n«{HŸ«`m Omar h¡. ~¢HŸ HŸr am` _| amOñd/Am{ñV`m|/Xo`VmAm| na D$na C{ëb{»mV ~mVm| HŸm n{aÊmm_r n«ämmd, n«Ë`úm êŸn go Zht hmoJm.

2. ~¢HŸ Ûmam »marXo JE HwŸN n{agam| HoŸ g§~§Üm _| {OZHŸr bmJV ` 4.88 HŸamoS h¡ ({nNbo df© ` 5.43 HŸamoS énE) {d{dÜm {ddmX `m AÝ` Am¡nMm[aH$VmAm| HoŸ b§{~V hmoVo hwE n«bo»mZ/n§OrHŸaÊm g§~§Ümr Am¡nMm[aH$VmE§ A^r nyar H$s OmZr h¡.

3. CZ emImAm| HoŸ g§~§Üm _| {OZHŸr bo»mm narúmm Zht hþB© h¡, g§~Õ emImAm| Ûmam noím H$s JB© {dda{Ê`m|/A{J«_m| H$m dJuH$aÊm AnZm`m J`m h¡.

4. B©grOrgrAmB© {b. HoŸ nmg b§{~V VÏmm {dMmamÏm© n«o{îmV ` 32.85 HŸamoS HoŸ Xmdo ämr ({nNbo df© ` 205.73 HŸamoS>), àmdÜmmZ H$m n[aH$bZ HŸaZo HŸs X¥pîQ> go dgybr `mo½` g_Po JE h¢.

5. ~¢HŸ HoŸ núm _| {ZÊm©`m| HŸmo Ü`mZ _| aIVo hþE {ddmXmñnX H$a Xo`VmAm| HoŸ g§~§Üm _| n«~§ÜmZ Ûmam {HŸE JE n«mdÜmmZm| HŸmo NmoSμHŸa {HŸgr AÝ` àmdYmZ HŸmo Amdí`H$ Zht g_Pm J`m h¡. AmJo, àmá {d{YH$ _V HoŸ AmYma na Am`H$a A{Üm{Z`_ HoŸ AYrZ Hw$N> Xmdm| HoŸ g§~§Üm _| H$a àmdYmZm| H$m n[aH$bZ H$aVo g_` Hw$N> H$Q>m¡o{V`m| na {dMma {H$`m J`m h¡.

6. ämmaVr` ~¢HŸ g§¿m HoŸ nÍm g§.brJb/grAmB©Ama {XZm§HŸ 03 _mM©, 2015 HoŸ AZwgma, H§ŸnZr HŸm`© _§Ímmb` Zo nam_ím© {X`m h¡ {HŸ Ohm§ VHŸ ~¢HŸ H§ŸnZr HŸo êŸn _| n§OrH¥ŸV Zht h¡ Am¡a amîQ—r`H¥ŸV ~¢HŸm| HoŸ g§~§Üm _|, HŸmnmo©aoQ gm_m{OHŸ Xm{`Ëd bmJy Zht hmoVo, Š`m|{HŸ do H§ŸnZr A{Üm{Z`_ HoŸ AÜmrZ n§OrH¥ŸV Zht h¡.

7. ^maVr` {aμOd© ~¢HŸ$ Ûmam Omar _mJ©oZX}em| HoŸ AZwgma {ZåZ{b{IV n«HŸQZ {HŸE OmVo h¡§ :

i) ny§Or (` HŸamoSm| _|)

H«$_ g§. {ddaU 31.03.2015 31.03.20141. grAmaEAma (%)

~ogb II 11.70 10.97~ogb III 11.43 10.56

2. grAmaEAma - {Qà I ny§Or (%)~ogb II 8.25 8.30~ogb III 8.24 8.12

3. grAmaEAma -{Qà II ny§Or (%)~ogb II 3.45 2.67~ogb III 3.19 2.44

~ogb III (` HŸamoSm| _|)

HŸ«_ g§. {ddaU 31.03.2015 31.03.2014i) gm_mÝ` B©{ŠdQr {Qà 1 ny§Or AZwnmV (%) 7.60 8.12%ii) {Qà 1 ny§Or AZwnmV (%) 8.24 -iii) {Qà 2 ny§Or AZwnmV (%) 3.19 2.44%iv) HwŸb ny§Or AZwnmV (grAmaEAma) (%) 11.43 10.56%v) gmd©O{ZHŸ úmoÍm HoŸ ~¢HŸm| _| ämmaV gaHŸma HŸr ímoàÜmm{aVm HŸr n«{VímVVm 74.06 74.06%vi) OwQmE JE B©{ŠdQr ny§Or HŸr am{ím (` HŸamoSm| _|) (_X g§.10 HŸm g§Xäm© b|) -- 363.58vii) OwQmE JE A{V{aŠV {Qà 1 ny§Or HŸr am{ím {OZ_| go

nrEZgrnrEg : 0.00nrSrAmB© : 500.00

500.00 ímyÝ`

OwQmE JE {Qà 2 ny§Or HŸr am{ím {OZ_| go

F$Êm ny§Or {b»mV (` HŸamoSm| _|) :A{Üm_mZr ímoà ny§Or {b»mV : ~o{‘¶mXr g§M`r A{Üm_mZr ímoà (nrgrnrEg)/n«{VXo` J¡a-g§M`r A{Üm_mZr ímoà (AmaEZgrnrEg)/n«{VXo` g§M`r A{Üm_mZr ímoà (AmagrnrEg)

1000.00

ímyÝ`

250.00

ímyÝ`

76

ii) {Zdoím (` HŸamoSm| _|)

H«$_ g§. {ddaU 31.03.2015 31.03.2014

1. {Zdoím H$m _yë`{Zdoím H$m gH$b _yë` 44,698.34* 42833.78*

^maV _| 44,698.34* 42833.78*

^maV HoŸ ~mha ímyÝ` ímyÝ`_yë`õmg VWm EZnrAmB© HoŸ {bE àmdYmZ (J¡a-{ZînmXHŸ {Zdoím) 176.24 248.39 ^maV _| 176.24** 248.39**

^maV HoŸ ~mha ímyÝ` ímyÝ`{Zdoím H$m {Zdb _yë` 44,522.10 42585.38 ^maV _| 44,522.10 42585.38 ^maV HoŸ ~mha ímyÝ` ímyÝ`

2. {Zdoe na _yë`õmg HoŸ n«{V$Ym{aV àmdYmZm| H$m CVma-MT>mdAWeof 235.93 207.79OmoS : i) df© HoŸ Xm¡amZ {HŸ`m J`m àmdYmZ 0.00 0.00 ii) {Zdoímm| HoŸ {ím{\²$Q>§J _| H$_r 0.26 77.08KQ>mE§ - dîm© HoŸ Xm¡amZ A{ÜmHŸ n«mdÜmmZ HŸmo An{b{»mV HŸaZm/n«{Vbo{»mV HŸaZm 77.04 48.94B{V ímof 159.15 235.93

* `Ïmm 31.03.2015 HŸmo ` 2100.00 HŸamoS ({nNbm dîm© ` 575.00 HŸamoS) HŸm ~HŸm`m EbEE\Ÿ {anmo VÏmm ` ímyÝ` ({nNbm dîm© ` 450.00 HŸamoS) HŸm ~HŸm`m E_EgE\Ÿ g{hV

** EZnrAmB© Ho$ `17.09 H$amoS ({nNbm dîm© ` 12.47 HŸamoS) Ho$ n«mdYmZ g{hV

iii) {anmo boZXZ HoŸ {ddaÊm (EbEE\$ {anmo HoŸ AYrZ ^m.{a.~¢HŸ go àmá g{hV) {ZåZmZwgma h¡ :

(` HŸamoSm| _|)

ã`m¡ao df© HoŸ Xm¡amZ ~H$m`m 31.03.2015 H$moÝ`yZV_ A{YH$V_ X¡o[ZH$ Am¡gV

{anmo HŸo A§VJ©V ~oMr JB© n«{Vämy{V`m§1) gaHŸmar n«{Vämy{V`m§2) HŸmnmo©aoQ F$Êm n«{Vämy{V`m§

0.00ímyÝ`

4869.83ímyÝ`

698.41 ímyÝ`

3798.29 ímyÝ`

{adg© {anmo HoŸ A§VJ©V IarXr JB© n«{Vämy{V`m§1) gaHŸmar n«{Vämy{V`m§2) HŸmnmo©aoQ F$Êm n«{Vämy{V`m§

0.00ímyÝ`

11682.98ímyÝ`

2691.06ímyÝ`

171.40ímyÝ`

ã`m¡ao df© HoŸ Xm¡amZ ~H$m`m 31.03.2014 H$moÝ`yZV_ A{YH$V_ X¡o[ZH$ Am¡gV

{anmo HŸo A§VJ©V ~oMr JB© n«{Vämy{V`m§1) gaHŸmar n«{Vämy{V`m§2) HŸmnmo©aoQ F$Êm n«{Vämy{V`m§

ímyÝ`ímyÝ`

2800.00ímyÝ`

634.08ímyÝ`

1025.00 ímyÝ`

{adg© {anmo HoŸ A§VJ©V IarXr JB© n«{Vämy{V`m§1) gaHŸmar n«{Vämy{V`m§2) HŸmnmo©aoQ F$Êm n«{Vämy{V`m§

ímyÝ`ímyÝ`

14981.99ímyÝ`

3224.50ímyÝ`

879.43ímyÝ`

77

iv) J¡a-EgEbAma {Zdoím g§{d^mJ

J¡a-EgEbAma {Zdoím H$r OmarH$Îmm© g§aMZm - 31.03.2015 (` HŸamoSm| _|)

H«$_ g§. OmarH$Vm© am{ím Agmd©O{ZH$ {Z`moOZ H$s

gr_m

{Zdoím l«oÊmr go {ZåZ n«{Vämy{V`m|

H$s gr_m

""loÊmr a{hV'' n«{Vämy{V`m| H$s

gr_m***

"" gyMr a{hV '' n«{Vämy{V`m| H$s

gr_m

(1) (2) (3) (4) (5) (6) (7)

(i) nrEg`y 2679.66 2587.73 1502.79 914.37 0.00

(ii) {dËVr` g§ñWmE§° ** 4403.94 351.19 58.00 3831.46 48.00

(iii) ~¢HŸ 1553.47 169.76 10.00 41.53 0.00

(iv) {ZOr H§ŸnZr 714.72 552.92 132.78 145.96 31.27

(v) AZwîm§Jr/g§`wŠV CnHŸ«_ - - - - -

(vi) AÝ` 413.55 375.55 - 413.55 -

(vii) _yë`õmg/EZnrAmB© HoŸ n«{V Ümm{aV àmdYmZ

176.11

Hw$b 9589.22 4037.15 1703.57 5346.87 79.27

ZmoQ : CnamoŠV HŸm°b_ 4, 5, 6 VÏmm 7 HoŸ AÜmrZ {anmoQ© HŸr J`r am{ím nañna AZÝ` Zhr§ hmo gH$Vr h¡§.

** _o§ AmaAmB©SrE\$ Ho$ AYrZ ` 3763.98 H$amoS H$m {Zdoe ^r em{_b h¡.

J¡a-EgEbAma {Zdoím H$r OmarH$Îmm© g§aMZm - 31.03.2014 (` HŸamoSm| _|)

H«$_ g§. OmarH$Vm© am{ím Agmd©O{ZH$ {Z`moOZ H$s

gr_m

"{Zdoím l«oÊmr go {ZåZ' *

n«{Vämy{V`m| H$s gr_m

"loÊmr a{hV' n«{Vämy{V`m| H$s

gr_m

"gyMr a{hV' n«{Vämy{V`m| H$s

gr_m

(1) (2) (3) (4) (5) (6) (7)

(i) nrEg`y 2749.58 2684.07 2313.72 177.10 0.00

(ii) {dËVr` g§ñWmE§° ** 4358.21 675.06 50.50 3683.14 50.50

(iii) ~¢HŸ 1919.17 209.93 25.00 53.56 -

(iv) {ZOr H§ŸnZr 355.11 226.60 162.23 112.01 -

(v) AZwîm§Jr/g§`wŠV CnHŸ«_ - - - - 32.67

(vi) AÝ` 132.10 15.83 0.00 132.10 -

(vii) _yë`õmg/EZnrAmB© HoŸ n«{V Ümm{aV àmdYmZ

195.02

Hw$b 9319.15 3811.49 2551.45 4157.91 83.17

ZmoQ :

* Cnamoº$ H$m°b_ 4,5,6 VWm 7 Ho$ AYrZ {anmoQ© H$r J`r am{e nañna AZÝ` Zhr§ hmo gH$Vr h¡§.

** _o§ AmaAmB©SrE\$ Ho$ AYrZ ` 3615.57 H$amoS H$m {Zdoe ^r em{_b h¡.

78

v) H$) J¡a {ZînmXHŸ$ J¡a-EgEbAma {Zdoe (` HŸamoSm| _|)

ã`m¡aoam{ím

31.03.2015am{ím

31.03.2014

AWeoîm 17.12 11.27

df© HoŸ Xm¡amZ n{adÜm©Z 6.53 5.85

CnamoŠV Ad{Üm HoŸ Xm¡amZ H$Q>m¡Vr 0.00 0.00

B{Veof 23.65 17.12

Hw$b Ym{aV àmdYmZ 17.09 12.47

I) J¡a-{ZînmXHŸ {d{ZYmZ HŸo {bE àmdYmZ _| CVma-MT>>md (` HŸamoSm| _|)

ã`m¡ao 31.03.2015 31.03.2014

AWeof 12.47 11.27

OmoS : df© HoŸ Xm¡amZ {HŸE JE àmdYmZ 4.62 1.20

KQ>mE§° : A{ÜmHŸ àmdYmZ HŸmo An{b{»mV HŸaZm/n«{Vbo»mZ H$aZm - 0.00

B{Vímoîm 17.09 12.47

vi) EMQrE_ g§dJ© HŸmo/go {~HŸ«r HŸm A§VaÊm - ímyÝ`

vii) ì`wËßmÝZ :

H$) dm`Xm Xa H$ama/ã`mO Xa ñd¡n (` HŸamoSm| _|)

ã`m¡aoo 31.03.2015 31.03.2014

H$. ñd¡n H$ama HoŸ AmZw_m{ZH$ _yb YZam{e ímyÝ` ímyÝ`

I. BZ H$amam| HoŸ AYrZ ̀ {X n«{Vnm{Q©`m§ AnZo Xm{`Ëdm| HŸmo Zht {ZämmVo h¢ Vmo hmoZodmbr hm{Z ímyÝ` ímyÝ`

J. ñd¡n _| n«doím HŸaZo HoŸ {bE ~¢HŸ HŸmo Amdí`HŸ g§nm{íd©HŸ ímyÝ` ímyÝ`

K. ñd¡n go CËßmÝZ hmoZodmbo F$U Omo{I_ H$m H|$ÐrH$aU ímyÝ` ímyÝ`

S>. ñd¡n ~hr HŸm C{MV _yë` ímyÝ` 0.02

1) ã`mO Xa ñd¡n, AmpñV/Xo`VmAm| na ã`mO Xa Omo{I_ H$s ajm Am¡a ì`mnma HŸo CX²Xoí` go HŸr J`r Wr.

2) ñd¡n H$s eV} {ñWa ã`mO Xa H$s VwbZm _| A{ñWa ã`mO Xa VWm A{ñWa ã`mO Xa H$s VwbZm _| {ñWa ã`mO Xa àmá H$aZo HoŸ {bE h¡.

3) ñd¡n HoŸ {bE n«{Vnúmr nmQr© ~¢HŸ$ h¡ Am¡a n«ËòHŸ ~¢HŸ H$s Omo{»m_ {Z{hV G$U, AZw_mo{XV G$U Omo{»m_ gr_m HoŸ A§Xa h¡.

»m) {d{Z_` ì`mnm{aV ã`mO Xa ì`wËßmÝZ (` HŸamoSm| _|)

H«$_ g§. ã`m¡ao 31.03.2015 31.03.2014(i) df© HoŸ Xm¡amZ {d{Z_` ì`mnm{aV ã`mO Xa ì`wËnÝZ HŸr AmZw_m{ZV _yb am{ím

(ànÌ-dma)eyÝ` eyÝ`

(ii) 31 _mM© 2015 H$mo ~HŸm`m {d{Z_` ì`mnm{aV ã`mO Xa ì`wËnÝZ HŸr AmZw_m{ZV _yb am{ím (ànÌ-dma)

eyÝ` eyÝ`

(iii) ~HŸm`m {d{Z_` ì`mnm{aV ã`mO Xa ì`wËnÝZ HŸr AmZw_m{ZV _yb am{ím (ànÌ-dma) d ‘A{ÜmHŸ n«ämmdr’ Zht h¡ (ànÌ-dma)

eyÝ` eyÝ`

(iv) ~HŸm`m {d{Z_` ì`mnm{aV ã`mO Xa HŸm ~mμOma _yë` d Omo "A{ÜmHŸ n«ämmdr' Zht h¡ (n«nÍm-dma)

eyÝ` eyÝ`

79

viii) ì`wËnÞ _| Omo{I_ EŠgnmoOa na àH$Q>rH$aU

H$) JwUmË_H$ àH$Q>rH$aU :

~¢HŸ Zo _§Sb Ûmam {d{YdV AZw_mo{XV, ^m.{a. ~¢H$ HoŸ _mJ©o{ZX}em| HoŸ AZwêŸn Omo{»m_ n«{Vaúmm, ì`mnma VÏmm J«mhHŸ godm HoŸ {bE ì`wËnÝZ boZXoZ HŸaZo HoŸ {bE EHŸ ì`mnHŸ ì`wËßmÝZ Zr{V V¡`ma HŸr h¡. Zr{V _| ì`wËßmÝZ boZXoZ HoŸ {bE g_w{MV gr_m g{hV n«HŸma, Xmàm Am¡a n«`moJ g§~§Ümr {Xímm{ZXo©ím {XE JE h¢. n[aMmbZmË_HŸ XúmVm Am¡a Omo{»m_ g§§~§Ümr MyHŸ HŸmo _Ôo ZμOa a»mVo hwE ì`wËßmÝZ HŸm`© \Ÿ«§Q Am\Ÿrg,{_S Am\Ÿrg Am¡a ~¡HŸ Am\Ÿrg _| dJr©H¥ŸV {HŸ`m J`m h¡ VÏmm n«ËòHŸ HŸm g§{dämmJ ñnîQ {ZÜmm©{aV h¡. Zr{V HoŸ AZwgma n«ämmdr {ZînmXZ HoŸ {bE n«{Vaúmm ì`wËßmÝZ na {Za§Va {ZJamZr a»mr OmVr h¡ Am¡a Omo{»m_ HŸ_ HŸaZo HoŸ {bE gwÜmmamË_HŸ Cnm` {HŸE OmVo h¢.

I) n{a_mUmË_H$ àH$QrH$aU (` HŸamoSm| _|)

H«$_ g§. ã`m¡ao _wÐm ì`wËßmÝZ ã`mO Xa ì`wËßmÝZ

i) ì`wVßmÞ (AmZw_m{ZH$$ _yb am{e)

H$) n«{Vaúmm HoŸ {bE eyÝ` eyÝ`

I) ì`mnma HoŸ {bE eyÝ` eyÝ`

ii) ~mOma {ñÏm{V _| A§{HŸV (1)

H$) AmpñV (+) eyÝ` eyÝ`

I) Xo`Vm (-) eyÝ` eyÝ`

iii) F$U Omo{»m_ (2) eyÝ` eyÝ`

iv) ã`mO Xa _| 1% n{adV©Z hmoZo na g§ämm{dV à^md (100 * nrdr 01)

H$) n«{Vajm ì`wËßmÝZ na eyÝ` eyÝ`

I) ì`mnma ì`wËßmÝZ na eyÝ` eyÝ`

v) df© HoŸ Xm¡amZ nm`r J`r A{ÜmHŸV_ d Ý`yZV_ 100 * nrdr 01

H$) n«{Vajm na - A{YH$V_ - Ý`yZV_

eyÝ`

eyÝ`

eyÝ`

eyÝ`

I) ì`mnma na - A{ÜmH$V_

- Ý`yZV_

eyÝ`

eyÝ`

eyÝ`

eyÝ`

ix) AmpñV JwUdËVm

H$) J¡a {ZîmmXH$ AmpñV (` HŸamoSm| _|)

ã`m¡ao 31.03.2015 31.03.2014

(i) {Zdb A{J«_m| HoŸ n«{V {Zdb J¡.{Z.Am. (%) 1.92 1.55

(ii) J¡.{Z.Am. H$m AmdmOmhr (gH$b)

AWeoîm 1985.86 1532.94

df© HoŸ Xm¡amZ n[adY©Z 2826.85 2173.87

dîm© HoŸ Xm¡amZ hþB© H$_r 2369.50 1720.95

B{Veoîm 2443.21 1985.86

80

ã`m¡ao 31.03.2015 31.03.2014

(iii) {Zdb J¡.{Z.Am. _| AmdmOmhr

AWeoîm 1262.37 909.69

dîm© HoŸ Xm¡amZ n[adY©Z/H$_r 397.34 352.68

B{Veoîm 1659.81 1262.37

(iv) J¡.{Z.Am. HoŸ {bE àmdYmZ H$m AmdmOmhr*

AWeoîm 709.92 619.24

df© HoŸ Xm¡amZ {HŸE JE n«mdÜmmZ 788.88 400.29

~Åm ImVm SmbZm 729.05 309.61

B{Vímoîm 769.75 709.92

(* _mZH$ AmpñV`m| na àmdYmZ HŸmo NmoSHŸa d A{ñÏma n«mdÜmmZ HŸmo OmoS HŸa)

I) nwZgªaMZm hoVw F$U AmpñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

H«$_ g§. ã`m¡ao 31.03.2015 31.03.2014

H$. nwZgªaMZm, nwZì`©dñWm, nwZ:~mVMrV hoVw F$U AmpñV`m| H$s Hw$b am{e 6193.08 4234.51

CZ_| go grSrAma HoŸ AYrZ 1469.60 1505.42

I. nwZgªaMZm, nwZì`©dñWm, nwZ:~mVMrV hoVw _mZH$ AmpñV`m| H$s am{ím 5285.85 3979.17

CZ_| go grS>rAma HoŸ AYrZ 941.84 1381.38

J. nwZgªaMZm, nwZì`©dñWm, nwZ:~mVMrV hoVw Ad_mZH$ AmpñV`m| H$s am{ím 406.83 71.71


K. nwZgªaMZm, nwZì`©dñWm, nwZ:~mVMrV hoVw g§{X½Üm$ AmpñV`m| H$s am{ím * 500.40 183.63


ZmoQ: (H$ = I + J + ¿m)

E_EgE_B© »mmVm| HoŸ {bE F$Êm nwZgªaMZm 31.03.2015 31.03.2014

HŸ nwZgªaMZm HoŸ AÜmrZ E_EgE_B© HŸr Am{ñV`m| HŸr HwŸb am{ím (»m + J + ¿m) 393.53 115.03

»m nwZgªaMZm HoŸ AÜmrZ E_EgE_B© HŸr _mZHŸ Am{ñV`m| HŸr am{ím 233.17 31.67

J nwZgªaMZm HoŸ AÜmrZ E_EgE_B© HŸr Ad_mZHŸ Am{ñV`m| HŸr am{ím 81.75 8.39

¿m nwZgªaMZm HoŸ AÜmrZ E_EgE_B© HŸr g§{X½Üm Am{ñV`m| HŸr am{ím * 78.61 74.97

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S.>) AmpñV nwZgªaMZm H$o${bE à{V^y[VH$aU H§$nZr (Eggr) nwZgªaMZm (Amagr) H§$nZr H$mo ~oMr J`r AmpñV`m| HŸo {ddaU (` HŸamoSm| _|)

H«$_ g§. {ddaU 31.03.2015 31.03.2014

1 ImVm| H$s g§»`m 9 9

2 à.H§$./nw.H§$. HŸmo ~oMo JE ImVm| H$m Hw$b _yë` (àmdYmZm| H$m {Zdb) 47.22 37.68

3 Hw$b à{V\Ÿb 73.91 110.36

4 {nNbo dfm}§ _| A§V{aV ImVm| HoŸ g§~§Üm _| àmá A{V{aŠV n«{V\Ÿb eyÝ` eyÝ`

5 {Zdb ~hr _yë` na Hw$b bm^/hm[Z 32.62 72.68

M) n«{VämyVrHŸaÊm H§ŸnZr/nwZgªaMZm H§ŸnZr HŸmo {dËVr` Am{ñV`m| HŸr {~H«$r (` HŸamoSm| _|)

{ddaÊm A§V{Z©{hV HoŸ êŸn _| ~¢HŸ Ûmam

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g_{Ïm©V h¡

A§V{Z©{hV HoŸ êŸn _| AÝ` ~¢HŸm|/

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Am{ñV`m§ Omo EZnrE go g_{Ïm©V h¡

HwŸb

{d.d. 2013-14 {d.d. 2014-15 {d.d. 2013-14 {d.d. 2014-15 {d.d. 2013-14 {d.d. 2014-15

n«{Vämy{V n«m{ßV`m| _|

{Zdoím HŸm ~hr _yë`

48.47 357.05 ímyÝ` ímyÝ` 48.47 357.05

N) n«{VämyVrHŸaÊm go g§~§{ÜmV n«HŸQZ :

~¢HŸ Ûmam n«m`mo{OV Egnrdr HŸr ~{h`m| HoŸ AZwgma n«{VämyHŸrH¥ŸV Am{ñV`m| HŸr ~HŸm`m am{ím Am¡a Ý`yZV_ n«{VÜmmaÊm Amdí`HŸVm (E_AmaAma) HoŸ AZwnmbZ hoVw VwbZnÍm HŸr Vmar»m na ~¢HŸ Ûmam n«{VÜmm{aV EŠgnmoOa HŸr HwŸb am{ím : ímyÝ`

O) F$Êm MyHŸ ñd¡n : ímyÝ`

Âm) »marXo/~oMo JE A{ZînmXHŸ {dËVr¶ Am{ñV`m| HoŸ {ddaÊm

i) »marXo JE A{ZînmXHŸ {dËVr` Am{ñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

{ddaU 31.03.2015 31.03.2014

1. (HŸ) dîm© HoŸ Xm¡amZ »marXo JE »mmVm| HŸr g§»`m eyÝ` eyÝ`

(»m) HwŸb ~HŸm`m eyÝ` eyÝ`

2. (HŸ) Bg_| go dîm© HoŸ Xm¡amZ nwZgªa{MV »mmVo eyÝ` eyÝ`

(»m) HwŸb ~HŸm`m eyÝ` eyÝ`

83

ii) {~H«$r {HŸE JE A{ZînmXHŸ {dËVr` Am{ñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

{ddaU 31.03.2015 31.03.2014

1. {~HŸ«r {HŸE JE »mmVm| HŸr g§»`m 9 9

2. HwŸb ~HŸm`m 69.64 83.34

3. n«mßV HwŸb n«{V\Ÿb 73.91 110.36

Eogm H$moB© ^r ‘m‘bm Zht h¢, Ohm± ~¢H$ Zo Bg H$‘r H$mo Xmo df© go A{YH$ g‘¶ Ho$ {bE ~ZmH$a aIm h¢.

Äm) _mZH$ AmpñV`m| HoŸ n«{V àmdYmZ (` HŸamoSm| _|)

{ddaU 31.03.2015 31.03.2014

_mZH$ AmpñV`m| HoŸ n«{V àmdYmZ 465.16 424.02

HwŸb 465.16 424.02

Q) HŸmamo~ma AZwnmV (` HŸamoSm| _|)

{ddaU 31.03.2015 31.03.2014

H$m`©H$mar {Z{Y n«{VímV HoŸ êŸn _| ã`mO Am` 9.15% 9.08%

J¡a-ã`mO Am` H$m`©H$mar {Z{Y n«{VímV HoŸ êŸn 0.66% 0.60%

n[aMmbZmË_H$ bm^ H$m`©H$mar {Z{Y n«{VímV HoŸ êŸn _| 0.94% 0.94%

Am¡gV AmpñV`m| na n«m{ßV`m§ 0.33% 0.35%

n«{V H$_©Mmar Am¡gV HŸmamo~ma (O_mam[e`m§ + A{J«_) 14.96 13.82

n«{V H$_©Mmar {Zdb bm^ 0.03 0.03

x) AmpñV Xo`Vm à~§YZ : AmpñV`mo| Am¡a Xo`VmAmo| H$s H$wN> _Xmo| H$s n[anŠdVm H$m ñdén : (` HŸamoSm| _|)

1 {XZ 2-7 {XZ

8-14 {XZ 15-28 {XZ 29 {XZm| go 3 _hrZo

3 _hrZm| go ApÜmH$ d 6 _hrZm| VH$

6 _hrZm| go A{ÜmHŸ d 1 df© VH$

1 df© go A{ÜmHŸ d 3

df© VH$

3 df© go A{ÜmHŸ d 5

df© VH$

5 df©§ go A{ÜmHŸ

Hw$b

O_m 334.78 2964.58 1724.19 3402.95 26876.55 13583.22 36462.24 11399.99 27328.16 2266.71 126343.37

A{J«_ * 1065.50 672.56 953.44 1315.03 6883.28 4620.68 5236.40 43900.47 10981.87 11066.64 86695.87

{Zdoe * 224.22 220.42 323.84 309.79 1727.57 1467.85 2372.55 8056.27 9217.50 20602.08 44522.09

CYma ** 0.00 2707.88 1019.74 300.00 250.00 0.32 0.13 450.12 200.00 2350.00 7278.19

{dXoímr _wÐm A{ñV`m§ 133.40 246.61 5.94 98.79 60.25 84.87 11.81 0.00 0.00 0.00 641.67

{dXoímr _wÐm Xo`VmE§ 375.23 4.31 4.12 1.53 17.89 25.37 67.09 52.07 94.06 0.00 641.67

AmpñV`m| Am¡a Xo`VmAmo| HŸmo ämmaVr` {aμOd© ~¢HŸ HoŸ {Xímm {ZXo©ímmZwgma n«~§YZ Ûmam dJr©H¥ŸV {H$`m J`m h¡ Am¡a boImnarjH$mo§ Ûmam Bg na âmogm {H$`m J`m h¡.

* Am§HŸSo ñWyb êŸn go {Zdb àmdYmZ h¡.

** ^maV _| CYma

84

xi) g§doXZerb úmoÍm HŸmo CÜmma

H$) ñWmda g§nXm úmoÍm HŸmo CÜmma (` HŸamoSm| _|)

{ddaU 31.03.2015 31.03.2014

1) àË`j CYma

H$. Amdmgr ~§ÜmHŸ

(i) Amdmgr` g§nXm na ~§ÜmHŸ HoŸ êŸn _| nyÊm© êŸn go n«{VämyV CYma {Og_o§ CYmaH$Vm© ahoJm `m Cgo {HŸamE na XoJm

8759.47 7659.72

(ii) n«mÏm{_HŸVm úmoÍm A{J«_ _| ímm{_b {HŸE OmZo HoŸ {bE nmÍm AbJ-AbJ Amdmg F$Êm (CnamoŠV _| ímm{_b {HŸE JE)

4889.91 4627.85

I. dm{Êm{Á`HŸ ñÏmmda g§nXm

dm{Êm{Á`HŸ g§nXm na ~§ÜmHŸ HoŸ êŸn _| n«{VämyV CYma (H$m`m©b` ^dZ, {aQob ñnog, ~hw CÔoí` dm{Êm{Á`HŸ n{aga,~hw n{adma Amdmgr` ̂ dZ, ~hw {HŸamEXma dm{Êm{Á`HŸ n{aga, Am¡Úmo{JH$ `m ^ÊS>ma OJh, hmoQob, ^y-ñdmYrZ, {dHŸmg VÏmm {Z_m©Êm Am{X) Omo{»m_ _| J¡a {Z{Üm AmÜmm{aV gr_m ^r ímm{_b hm|Jo.

3820.73 3583.95

J. AÝ` CËnÝZ HŸaZodmbr ñÏmmda g§nXm 2758.13 2141.36

¿m. ~§ÜmHŸ HoŸ êŸn _| Xr J`r n«{Vämy{V`m§ VÏmm AÝ` n«{VämyV Omo{»m_ _| {Zdoím

(i) Amdmgr` ímyÝæm ímyÝæm

(ii) d{Êm{Á`HŸ ñÏmmda g§nXm ímyÝæm ímyÝæm

2) AàË`j CYma

amîQ—r` Amdmg ~¢HŸ (EZEM~r) VWm Amdmgr` {dËVr` H§ŸnZr (EME\$gr) na {Z{Üm AmÜmm{aV J¡a-{Z{Üm Am{Ümm{aV CÜmma

3578.55 3820.73

ñÏmmda g§nXm úmoÍm _| HwŸb Omo{»m_ 18916.88 17207.67

I) ny§Or ~mμOma HŸmo CÜmma (` HŸamoSm| _|)

H«$_ g§. {ddaU 31.03.2015 31.03.2014

(i) B©{ŠdQr ímoà, n{adV©Zr` ~m§S, n{adV©Zr` {S~|Ma d B©{ŠdQr CZ_w»m å`yMwAb \§ŸS HoŸ `y{ZQ {OgHŸr _yb {Z{Üm HŸm AZÝ` êŸn go H§ŸnZr HŸO© _| {Zdoím Zht {HŸ`m J`m h¡.

196.54 229.18

(ii) ímoà/~m§S/{S~|Ma `m AÝ` n«{Vämy{V`m| HoŸ n«{V A{J«_ `m {Z~ªÜm AmÜmma na ì`{ŠV`m| HŸmo ímoàm| (AmB©nrAmo/B©EgAmonr g{hV) n{adV©Zr` ~m§S, n{adV©Zr` {S~|Ma d B©{ŠdQr CÝ_w»m å`yMwAb \§ŸS HoŸ `y{ZQm| _| {Zdoím HŸaZo HoŸ {bE A{J«_.

eyÝ` 0.07

(iii) {HŸgr ämr AÝ` HŸm`© HoŸ {bE A{J«_ Ohm± ímoà `m n{adV©Zr` ~m§S `m n{adV©Zr` {S~|Ma `m B©{ŠdQr CÝ_w»m å`yMwAb \§ŸS HoŸ `y{ZQm| HŸmo n«mÏm{_HŸ n«{Vämy{V HoŸ êŸn _| {b`m J`m h¡.

eyÝ` eyÝ`

85

(iv) {HŸgr ämr AÝ` CÔoí` HoŸ {bE ímoà `m n{adV©Zr` ~m±S n{adV©Zr` {S~|Ma `m B©{ŠdQr CÝ_w»m å`yMwAb \§ŸS HoŸ O¡go g§nm{íd©HŸ n«{Vämy{V go n«{VämyV A{J«_ Ohm± ímoà/n{adV©Zr` ~m±S/n{adV©Zr` {S~|Ma/B©{ŠdQr CÝ_w»m å`yMwAb \§ŸS HoŸ Abmdm n«mÏm{_HŸ n«{Vämy{V go nyÊm© êŸn go a{úmV Zht h¡.

eyÝ` eyÝ`

(v) ímoà Xbmb HŸmo n«{VämyV d An«{VämyV A{J«_ Ed§ ímoà Xbmb Am¡a ímoà g§VwbZHŸVm© HŸr Amoa go Omar Jma§Qr.

50.00 50.00

(vi) g§gmÜmZ OwQmZo HoŸ CÔoí` go ZB© H§Ÿn{Z`m| HoŸ B©{ŠdQr _| n«dV©HŸ HŸm A§ímXmZ MwHŸmZo HoŸ {bE {Z~©Üm AmÜmma na `m ímoà/~m§S/{S~|Ma HoŸ μO_mZV HoŸ n«{V H§Ÿn{Z`m| HŸmo _§Oya F$Êm.

eyÝ` eyÝ`

(vii) n«Ë`mm{ímV B©{ŠdQr n«dmh/{ZJ©_ HoŸ n«{V H§Ÿn{Z`m| HŸmo VmËHŸm{bHŸ F$Êm eyÝ` eyÝ`

(viii) ~¢HŸm| Ûmam ímoàm| `m n{adV©Zr` ~m§Sm| `m n{adV©Zr` {S~|Ma `m B©{ŠdQr CÝ_w»m å`yMwAb \§ŸS `y{ZQm| HoŸ g§~§Üm _| br JB© hm_rXmar n«{V~ÕVmE§

eyÝ` eyÝ`

(ix) _m{O©Z ì`mnma HoŸ {bE ímoà Xbmbm| HŸm {dËVnmoîmÊm. eyÝ` eyÝ`

(x) Omo{»m_ ny§Or {Z{Üm`m| (n§OrH¥ŸV d n§OrH¥ŸV Z HŸr JB© XmoZm|) HŸmo {HŸE JE g~ n«HŸma HoŸ {Zdoím

18.44 15.83

ny§Or ~mμOma HŸmo HwŸb {Zdoím 264.98 295.01

xii) Omo{»m_ dJ©-dma Xoím> CYma (` HŸamoSm| _|)

Omo{»m_ H$m dJ© 31.03.2015 HŸmo CÜmma ({Zdb)

31.03.2015 HŸmo Ümm{aV n«mdÜmmZ

31.03.2014 HŸmo CÜmma ({Zdb)

31.03.2014 HŸmo Ümm{aV n«mdÜmmZ

ZJÊ` 594.98 eyÝ` 1022.08 eyÝ`

H$_ 237.76 eyÝ` 234.16 eyÝ`

_Ü`_ 44.49 eyÝ` 43.54 eyÝ`

~hwV 28.61 eyÝ` 14.98 eyÝ`

AË`{ÜmHŸ 0.00 eyÝ` 1.62 eyÝ`

gr{_V 0.00 eyÝ` 0.00 eyÝ`

G$U go n¥ÏmHŸ 0.00 eyÝ` 0.00 eyÝ`

Hw$b 905.84 eyÝ` 1316.38 eyÝ`

n«ËòHŸ Xoím HoŸ gmÏm ~¢HŸ HŸm {dXoímr {d{Z_` boZ-XoZ HoŸ g§~§Üm _| {XE JE {Zdb {Z{ÜmHŸ CÜmma ~¢HŸ HoŸ Hw$b AmpñV`m| HoŸ 1% HoŸ A§Xa hmZo HoŸ HŸmaU CgHoŸ {bE ämmaVr` {aμOd© ~¢HŸ HoŸ {XZ§mHŸ 19.02.2003 HoŸ n{anÍm Sr~r~moSr/~rgr.71/21.04.103/2002-03 HoŸ gmÏm nTo {XZm§HŸ 17.06.2004 n{anÍm Sr~r~moSr/~rgr.96/ 21.04.103/2003-04 HoŸ AZwgma àmdYmZ HŸaZo HŸr Amdí`H$Vm Zht h¡.

xiii) F$Êm {Zdoím HoŸ ã`m¡ao Ohm§° df© HoŸ Xm¡amZ ~¢HŸ Ûmam {ddoHŸnyÊm© {Zdoím go A{ÜmHŸ {Zdoím {HŸ`m J`m : eyÝ`

2014-15 : eyÝ`

2013-14 : B§{S`Z \Ÿm_©g© \ŸQr©bmBOa HŸmo-Am°nao{Qd {b. (AmB©E\ŸE\ŸgrAmo)

86

xiv) O_mam{ím`m|, A{J«_, F$Êm Omo{»m_ VÏmm EZnrE H$m Ho §ÐrH aU (~¢HŸ Ûmam g_o{HŸVmZwgma)

HŸ) O_mam{ím`m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So O_mHŸVm©Am| HŸr HwŸb O_mam{ím`m§ 16876

~¢HŸ HŸr HwŸb O_mam{ím`m| HŸr VwbZm _| 20 ~So O_mHŸVm©Am| HŸr O_mam{ím`m| HŸm n«{VímV 13.36%

»m) A{J«_m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So CÜmmaHŸVm©Am| HoŸ HwŸb A{J«_ 16425.22

~¢HŸ HoŸ HwŸb A{J«_ HŸr VwbZm _| 20 ~So CÜmmaHŸVm©Am| HoŸ A{J«_m| HŸm n«{VímV 18.73%

J) Omo{»m_m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So CÜmmaHŸVm©Am|/J«mhHŸm| HoŸ HwŸb Omo{»m_ 17831.75

CÜmmaHŸVm©Am|/J«mhHŸm| na ~¢HŸ HoŸ HwŸb Omo{»m_m| HŸr VwbZm _| 20 ~So CÜmmaHŸVm©Am|/J«mhHŸm| HoŸ Omo{»m_ HŸm n«{VímV 16.63%

¿m) EZnrE H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

HwŸb Omo{»m_ HŸr VwbZm _| ímrîm© 4 EZnrE »mmVo 477.59

xv) úmoÍmdma A{J«_ (gHŸb)

HŸ«_ g§.

úmoÍm * Mmby dîm© {nNbm dîm©

~HŸm`m HwŸb A{J«_

gHŸb EZnrE Cg úmoÍm _| HwŸb A{J«_m| HoŸ n«{V gHŸb EZnrE HŸr n«{VímVVm

~HŸm`m HwŸb A{J«_

gHŸb EZnrE Cg úmoÍm _| HwŸb A{J«_m| HoŸ n«{V gHŸb EZnrE HŸr n«{VímVVm

HŸ n«mÏm{_HŸVm úmoÍm

1 H¥Ÿ{îm VÏmm g§~Õ J{V{d{Üm`m§

11974.00 338.39 2.83 10527.00 322.61 3.06

2 n«mÏm{_HŸVm úmoÍm CÜmmar HoŸ êŸn _| nmÍm Am¡Úmo{JHŸ úmoÍm HŸmo A{J«_

4976.00 207.70 4.17 3093.00 102.32 3.31

3 godmE§ 8241.00 146.07 1.77 7536.00 165.79 2.20

4 d¡`{ŠVHŸ F$Êm 5523.00 94.71 1.71 4699.00 183.62 3.91

Cn-HwŸb (HŸ) 30714.00 786.87 2.56 25855.00 807.34 3.12

»m J¡a-n«mÏm{_HŸVm úmoÍm

1 H¥Ÿ{îm VÏmm g§~Õ J{V{d{Üm`m§

0.00 0.00 0.00 0.00 0.0 0.00

2 CÚmoJ 40014.36 1577.55 3.94 21143.00 414.40 1.96

3 godmE§ 1859.65 54.78 2.95 13104.00 162.50 1.24

4 d¡`{ŠVHŸ F$Êm 15103.53 24.01 0.16 22322.75 601.62 2.70

Cn-HwŸb (»m) 56977.54 1656.34 2.91 56569.75 1178.52 2.08

HwŸb (HŸ + »m) 87691.54 2443.21 2.79 82424.75 1985.86 2.41

87

* ~¢HŸ CŠV \Ÿm_o©Q _| `h ämr n«HŸ{QV HŸa gHŸVo h¢, {OZ Cn úmoÍmm| _| ~HŸm`m A{J«_ CŠV úmoÍm HoŸ ~HŸm`m HwŸb A{J«_ HoŸ 10% go A{ÜmHŸ hmo. CXmhaÊm HoŸ {bE, »mmZ CÚmoJ _| ~¢HŸ HŸm ~HŸm`m A{J«_ "CÚmoJ'úmoÍm HoŸ ~HŸm`m HwŸb A{J«_ HoŸ 10% go A{ÜmHŸ hmo Vmo, CŠV ’$m‘}Q> _| "CÚmoJ úmoÌ' HoŸ AÜmrZ »mmZ CÚmoJ _| ~HŸm`m A{J«_ HoŸ {ddaÊm HŸmo AbJ go n«HŸQZ HŸaZm h¡.

xvi) EZnrE HŸm MbZ (` HŸamoSm| _|)

{ddaÊm 31.03.2015 31.023.2014

1 An«¡b HŸmo gHŸb EZnrE (AWeof) 1985.86 1532.94

dîm© HoŸ Xm¡amZ OmoS (ZE EZnrE) 2826.85 2173.87

Cn-HwŸb (HŸ) 4812.71 3706.81

¿mQmE§ :

(i) CÝZ`Z 931.96 989.15

(ii) dgybr (CÝZ`Z {HŸE JE »mmVm| go HŸr J`r dgy{b`m| HŸmo NmoSHŸa) 646.35 435.94

(iii) VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVoo 776.24 293.36

(iv) C³V Ho$ Abmdm S>mbo JE ~Åo »mmVo 14.95 2.50

Cn-HwŸb (»mŸ) 2369.50 1720.95

31 _mM© HŸmo gHŸb EZnrE (HŸ - »m) 2443.21 1985.86

xvii) VHŸZrHŸr êŸn go ~Åo »mmVo Smbo JE Am¡a Cg na HŸr J`r dgy{b`m§ : (` HŸamoSm| _| )

{ddaÊm 31.03.2015 31.03.2014

VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVo HŸm AÏmímoîm 1525.28 1337.62

OmoSμo§ : dîm© HoŸ Xm¡amZ VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVo 776.24 293.36

Cn HwŸb 2301.52 1630.98

¿mQmE§ : df© Ho$ Xm¡amZ nhbo hr VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVm| go HŸr J`r dgy{b`m§

133.23 94.30

B{Vímoîm 2168.29 1525.28

xviii) g_wÐmnmar` Am{ñV`m§, EZnrE VÏmm amOñd : ímyÝ`

xix) n«m`mo{OV VwbZ nÍm go BVa Egnrdr n«m`mo{OV({OZHŸm bo»mm§HŸZ _mZX§Sm| HoŸ AZwgma g_o{HŸV {HŸ`m OmZm Ano{úmV h¡)

n«m`mo{OV Egnrdr HŸm Zm_

Xoímr g_wÐnmar`

ímyÝ` ímyÝ`

xx) n«mdÜmmZ HŸdaoO AZwnmV : 31 _mM©, 2015 HŸmo HŸdaoO AZwnmV ämm.{a.~¢. _mJ©{ZXo©ímmZwgma 64.01% h¡ ({nNbo df© 64.05% Wm). VWm{n, ~¡§H$ Zo ^m{a~¡§ n{anÌ Sr~rAmoSr.~rnr.~rgr. 87-21.048/2010-11 {XZm§H$ 21.04.2011 Ho$ AZwgma H${WV nrgrAma hm{gb H$a {b`m h¡.

xxi) An«{VämyV A{J«_ : ~¢HŸ _| HŸmoB© An«{VämyV A{J«_ Zht h¡ O~{HŸ A_yV© n«{Vämy{V`m| HŸmo g§nm{íd©HŸ n«{Vämy{V`m| HoŸ êŸn _| {b`m J`m h¡.

xxii) HŸmob ãbm°HŸ HoŸ aÔrHŸaÊm HoŸ HŸmaÊm, ~¢HŸ HoŸ g§{dämmJ _| n«{Vämy{V ‘_yë`m§HŸZ HoŸ êŸn _| n«ämmd, `{X HŸmoB© hmo Am¡a ~¢HŸ Ûmam {dËVr`Z HŸr J`r n{a`moOZmAm| HŸr ì`mdhm`©Vm na _mZZr` CÀMV_ Ý`m`mb` Ûmam bJmE JE X§S HoŸ n«ämmd, `{X HŸmoB© hmo Vmo, Cg na {dMma Zht {HŸ`m J`m h¡ Š`m|{HŸ Bg MaÊm na BgHŸm nVm Zht bJm`m Om gHŸVm.

xxiii) dîm© 2014-15 HoŸ Xm¡amZ ~¢HŸ Zo ämmaV _| `yEgSr 23,77,34,988 am{ím HoŸ {Z`m©V {HŸE JE _mb HoŸ g§~§Üm _| 366 AmídmgZ nÍm Omar {HŸE. ò AmídmgZ nÍm ~¢HŸ HoŸ {dËVnmoîmÊm na Cggo nSZodmbo n«ämmd HoŸ {d{ÜmdV _yë`m§HŸZ HŸaZo HoŸ ~mX VÏmm ~¢HŸ HoŸ gúm_ n«m{ÜmHŸmar HoŸ AZw_moXZ go Omar {HŸE JE. VwbZ nÍm HŸr Vmar»m HŸmo `yEgSr 12,06,60,271 (1 `yEgSr = ` 62.50 HŸr Xa go bJ^J ` 754.13 H$amoS) HoŸ 178 AmídmgZ nÍm ~HŸm`m h¡ {OZH$m n«~§YZ Ho$ {dMma go ~¢HŸ HŸr {dËVr` {ñÏm{V na {OgHŸm HŸmoB© _hËdnyÊm© n«ämmd Zht hmoJm.

88

xxiv) 2014-15 HoŸ Xm¡amZ ~r_m H$mamo~ma go ewëH$/ nm{al{_H

H«$_ g§. Am` H$m ñdêŸn 2014-15 (` bmImo _o§) 2013-14 (` bmImo _o§)

1 OrdZ ~r_m nm{b{g`mo§ H$mo ~oMZo Ho$ {bE 3.43 3.05

2 J¡a-OrdZ ~r_m nm{b{g`mo§ H$mo ~oMZo Ho$ {bE 3.01 2.09

3 å`yMb \§$S CËnmXmo§ H$mo ~oMZo Ho$ {bE eyÝ` eyÝ`

4 AÝ` ({Z{X©ï H$ao§) eyÝ` eyÝ`

8. HŸmnmo©aoQ HŸm`© HoŸ _§Ímmb` Ûmam H§ŸnZr (bo»mmHŸaÊm _mZH$) {Z`_, 2006 HoŸ AÜmrZ A{Ümgy{MV bo»mmHŸaÊm _mZHŸm| HoŸ VhV n«HŸQrHŸaÊm HŸaZo HŸr gyMZm HŸm AZwnmbZ :

i) {nNbr Ad{Y H$s Am`/ì`` go g§~§{ÜmV Eogr HŸmoB© ^r _X| Zht h¡ {Ogo “EEg-5” HoŸ AZwgma àH$Q>rH$aU {H$`m OmZm Amdí`H$ h¡.

ii) ~¢HŸ HŸr bo»mm Zr{V g§.9 HoŸ AZwgma HwŸNoHŸ _Xm| HŸmo ZHŸX AmÜmma na _mÝ`Vm Xr OmVr h¡. bo{HŸZ n«~§ÜmZ HŸr `hr am` h¡ {HŸ {Z`mo{OV aHŸ_ ZJÊ` hmoZo HoŸ HŸmaÊm “EEg-9” HoŸ AÜmrZ Cgo n«HŸQ HŸaZo HŸr μOêŸaV Zht h¡.

iii) ~¢HŸ Ûmam EEg 11 HoŸ AZwgma boZXoZ HŸr Vmar»m HŸr Xa na Zht ~{ëHŸ E\ŸB©SrEAmB© Ûmam {ZÜmm©{aV {nNbo _hrZo HoŸ A§{V_ gßVmh HŸr gmßVm{hHŸ Am¡gV Xa na {dXoímr _wÐm boZXoZm| HŸm {Za§Va êŸn go nwZ_©yë`m§HŸZ {HŸ`m Om ahm h¡. n««~§ÜmZ HŸr `h am` Ïmr {HŸ dîm© HoŸ Xm¡amZ »mmVm| na HŸmoB© ämm¡{VHŸ n«ämmd Zht h¡.

iv) EEg-15 HoŸ AÜmrZ {ZåZ{b{»mV OmZHŸmar n«HŸQ HŸr J`r h¡² :

(` H$amoS>>m| _|)

HŸ«_ g§.

{ddaÊm n|ímZ n|ímZ n|ímZ n|ímZ n|ímZ

31.03.15 31.03.14 31.03.13 31.03.12 31.03.11I. _w»` ~r_m§{HŸV ÜmmaÊm

~ÅmJV Xa 8.00% 8.50% 8.00% 9.00% 8.50%

doVZ _yë`dÜm©Z Xa 5.50% 5.50% 5.50% 1.50% 4.25%

õmg Xa 1.00% 1.00% 1.00% 1.00% 0.75%

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb Xa 8.95% 9.50% 8.70% 8.30% 8.30%II. Xm{`Ëd HoŸ dV©_mZ _yë` _| n{adV©Z (nrdrAmo)

Ad{Üm HoŸ Ama§äm _| nrdrAmo 2132.84 2009.65 1908.35 1832.94 651.12

ã`mO HŸr bmJV 161.87 161.48 146.22 158.98 50.37

Mmby godm bmJV 268.84 268.90 307.99 18.55 35.81

n«XËV bmäm (218.99) (219.72) (161.16) (132.97) (102.84)

Xm{`Ëd na ~r_m§{HŸHŸ (bmäm)/hm{Z (g_VwbZ Am§HŸSo) 62.58 (87.47) (191.75) 30.85 120.17

Ad{Üm HoŸ A§V _| nrdrAmo 2407.14 2132.84 2009.65 1908.35 1832.94III. `moOZm Am{ñV`m| HoŸ C{MV _yë` _| n{adV©Z

Ad{Üm HoŸ Ama§äm _| `moOZm Am{ñV`m| HŸm C{MV _yë` 2246.06 1963.99 1876.33 1739.28 541.35

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 201.02 186.58 163.24 144.07 96.49

A§ímXmZ 89.00 271.58 92.01 116.53 1238.37

n«XËV bmäm (218.99) (219.72) (161.16) (132.97) (102.84)

`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 30.40 43.64 (6.43) 9.42 (34.09)

Ad{Üm HoŸ A§V _| `moOZm Am{ñV`m| na C{MV _yë` 2347.50 2246.06 1963.99 1876.33 1739.28

89

HŸ«_ g§.

{ddaÊm n|ímZ n|ímZ n|ímZ n|ímZ n|ímZ

31.03.15 31.03.14 31.03.13 31.03.12 31.03.11

IV. `moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb


`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 30.40 43.64 (6.43) 9.42 (34.09)

`moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb 231.43 230.22 156.81 153.49 62.40

V. A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - Xm{`Ëd (62.58) 87.47 191.75 (30.85) (120.17)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - `moOZm Am{ñV`m±

30.41 43.64 (6.43) 9.42 (34.09)

Ad{Üm HoŸ {bE HwŸb bmäm/(hm{Z) (32.17) 131.11 185.32 (21.43) (154.26)

Ad{Üm _| A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z) (32.17) 131.11 185.32 (21.43) (154.26)

VI. VwbZ nÍm _| A{ämkßV am{ím VÏmm g§~§{ÜmV {díboîmÊm

Xm{`Ëd HŸm dV©_mZ _yë` 2407.14 2132.84 2009.65 1908.35 1832.94

`moOZm Am{ñV`m| HŸm C{MV _yë` 2347.50 2246.06 1963.99 1876.34 1739.28

{Z{ÜmHŸ {ñÏm{V (A{ÜmHŸ/(HŸ_r)) (59.64) 113.22 (45.66) (32.02) (93.66)

VwbZ nÍm _| A{ämkßV am{ím (59.64) 113.22 (45.66) (32.02) 268.58

VII. bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì``

dV©_mZ godm bmJV 268.84 268.90 307.99 18.55 35.81

ã`mO bmJV 161.87 161.48 146.22 158.98 50.37

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb (201.02) (186.58) (163.24) (144.07) (96.49)

dîm© _| A{ämkßV {Zdb ~r_m§{HŸHŸ (bmäm)/hm{Z 32.17 (131.11) (185.32) 21.43 154.26

bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì`` 261.86 112.69 105.65 54.88 860.01

VIII. VwbZ nÍm _| A{ämkßV Xo`VmAm| _| CVma-MTμmd

n«ma§{ämHŸ {Zdb Xo`Vm (113.22) 45.66 32.02 93.67 109.77

Cn`w©ŠV HoŸ AZwgma ì`` 261.86 112.70 105.65 54.88 860.01

n«XËV A§ímXmZ (89.00) (271.58) (92.01) (116.53) (1238.36)

A§{V_ {Zdb Xo`Vm 59.64 (113.22) 45.66 32.02 (268.58)

IX. Mmby Ad{Üm HoŸ {bE am{ím

Xm{`Ëd HŸm dV©_mZ _yë` 2407.14 2132.84 2009.65 1908.35 1832.95

`moOZm Am{ñV`m± 2347.50 2246.06 1963.99 1876.34 1739.28

A{ÜmHŸ/(HŸ_r) (59.64) 113.22 (45.66) (32.02) (93.67)

`moOZm Xo`VmAm| na AZwämd g_m`moOZ - bmäm (hm{Z) (62.58) 87.47 191.75 (30.85) (343.33)

`moOZm Am{ñV`m| na AZwämd g_m`moOZ - bmäm/(hm{Z)

30.40 43.64 (6.43) 9.42 34.09

90

HŸ«_ g§.

{ddaÊm J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr

31.03.15 31.03.14 31.03.13 31.03.12 31.03.11I. _w»` ~r_m§{HŸV ÜmmaÊm

~ÅmJV Xa 8.00% 8.50% 8.00% 8.00% 8.20%

doVZ _yë`dÜm©Z Xa 5.50% 5.50% 5.50% 4.00% 4.25%

õmg Xa 1.00% 1.00% 1.00% 1.50% 0.75%

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb Xa 8.81% 8.50% 8.50% 8.30% 8.30%

II. Xm{`Ëd HoŸ dV©_mZ _yë` _| n{adV©Z (nrdrAmo)

Ad{Üm HoŸ Ama§äm _| nrdrAmo 315.93 343.85 392.95 400.74 241.22

ã`mO HŸr bmJV 22.77 26.49 28.51 29.24 17.67

Mmby godm bmJV 18.63 17.45 17.01 15.08 8.44

n«XËV bmäm (62.70) (64.50) (73.09) (70.45) (51.51)

Xm{`Ëd na ~r_m§{HŸHŸ bmäm/(hm{Z)(g_VwbZ Am§HŸSo) 3.54 (7.36) (21.53) 18.34 53.04

Ad{Üm HoŸ A§V _| nrdrAmo 298.17 315.93 343.85 392.95 400.74

III. `moOZm Am{ñV`m| HoŸ C{MV _yë` _| n{adV©Z

Ad{Üm HoŸ Ama§äm _| `moOZm Am{ñV`m| HŸm C{MV _yë` 354.14 368.24 402.80 407.96 263.06


A§ímXmZ 0.00 21.00 31.50 16.00 167.16

n«XËV bmäm (62.70) (64.50) (73.09) (70.45) (51.52)

`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 3.67 (1.90) (27.21) 17.59 2.63

Ad{Üm HoŸ A§V _| `moOZm Am{ñV`m| na C{MV _yë` 326.31 354.14 368.24 402.80 407.96

IV. `moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb


`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 3.67 (1.90) (27.21) 17.59 2.63

`moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb 34.87 29.40 7.03 49.29 29.26

V. A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - Xm{`Ëd (3.54) 7.36 21.53 (18.33) (53.04)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - `moOZm Am{ñV`m±

3.67 (1.90) (27.21) 17.59 2.63

Ad{Üm HoŸ {bE HwŸb bmäm/(hm{Z) 0.13 5.46 (5.68) (0.74) 50.41

Ad{Üm _| A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z) 0.13 5.46 (5.68) (0.74) 50.41

91

HŸ«_ g§.

{ddaÊm J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr

31.03.15 31.03.14 31.03.13 31.03.12 31.03.11VI. VwbZ nÍm _| A{ämkßV am{ím VÏmm g§~§{ÜmV {díboîmÊm

Xm{`Ëd HŸm dV©_mZ _yë` 298.17 315.93 343.85 392.95 400.74

`moOZm Am{ñV`m| HŸm C{MV _yë` 326.31 354.14 368.24 402.80 407.96

{Z{ÜmHŸ {ñÏm{V (A{ÜmHŸ/(HŸ_r)) 28.14 38.21 24.39 9.85 7.22

VwbZ nÍm _| A{ämkßV am{ím 28.14 38.21 24.39 9.85 104.18

VII. bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì``

dV©_mZ godm bmJV 18.63 17.45 17.01 15.08 8.44

ã`mO bmJV 22.77 26.49 28.51 29.24 17.67

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 31.20 31.30 (34.24) (31.70) (26.63)

dîm© _| A{ämkßV {Zdb ~r_m§{HŸHŸ (bmäm)/hm{Z (0.13) (5.46) 5.68 0.75 50.42

bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì`` 10.06 7.18 16.96 13.37 84.81

VIII. VwbZ nÍm _| A{ämkßV Xo`VmAm| _| CVma-MTμmd

n«ma§{ämHŸ {Zdb Xo`Vm (38.21) (24.39) (9.85) (7.22) (21.83)

Cn`w©ŠV HoŸ AZwgma ì`` 10.06 7.18 16.96 13.37 84.81

n«XËV A§ímXmZ - (21.00) (31.50) (16.00) (167.16)

A§{V_ {Zdb Xo`Vm 28.15 (38.21) (24.39) (9.85) (104.18)

IX. Mmby Ad{Üm HoŸ {bE am{ím

Xm{`Ëd HŸm dV©_mZ _yë` 298.16 315.93 343.85 392.95 400.73

`moOZm Am{ñV`m± 326.30 354.14 368.24 402.80 407.96

A{ÜmHŸ/(HŸ_r) 28.14 38.21 24.39 9.85 7.22

`moOZm Xo`VmAm| na AZwämd g_m`moOZ - bmäm (hm{Z)

(3.54) 7.36 21.53 (18.33) (77.05)

`moOZm Am{ñV`m| na AZwämd g_m`moOZ - bmäm/(hm{Z)

3.67 (1.90) (27.21) 17.59 2.63

ZmoQ : ~r_m§HŸHŸ go {ddaÊm Z {_bZo HoŸ HŸmaÊm, AJbo dîm© _| n«XËV n«Ë`m{ímV am{ím HŸm n«HŸQZ Zht {HŸ`m J`m h¡.

{ddaÊm Z {_bZo HoŸ HŸmaÊm, ~r_m§{HŸV _mÝ`VmAm| go g§~§{ÜmV n«mdÜmmZ ZrMo {X`m J`m h¡ :

ã`mO Xa : 8% n«.d.

doVZ _wÐmñ\Ÿr{V : 5.50% n«.d.

_¥Ë`w Xa : EbAmB©grAmB© 1994-96

õmg Xa : n«{V hOma 10 n«.d.

gyÍm : n«Ë`m{ímV BHŸmB© F$Êm {d{Üm

92

v) dîm© HoŸ Xm¡amZ {d{ämÝZ Xr¿mm©d{Üm HŸ_©Mmar bmäm HoŸ {bE EEg-15 HoŸ AZwgma {HŸE JE n«mdÜmmZ {ZåZmZwgma h¢ (` H$amoS>>m| _|)

HŸ«_ g§. AÝ` Xr¿mm©d{Üm bmäm 31.03.2015 31.03.2014

1 n|ímZ ({dn`©` HŸm {Zdb) 305.29 258.37

2 NwÅr ZHŸXr* -3.69 eyÝ¶

3 J«¡À`wQr 34.64 31.74

4 ~r_mar NwÅr - -17.38

* ZmoQ> … bm^ d hm{Z ImVo ‘| ` 39.13 H$amoS ({n. d. ` 34.83 H$amoS) dmñV{dH$ ì¶¶ H$mo doVZ d ^ËVm ImVo Ho$ Zm‘ S>mbH$a ‘mÝ¶Vm Xr JB© h¢.

vi) ämm.~¢.g§. HoŸ gmÏm 10dt {Ûnúmr` g_Âmm¡Vo HoŸ HŸmaÊm hmoZodmbr doVZ _| d¥{Õ HoŸ n«{V ~¢HŸ Zo ` 208 H$amoS HŸm n«mdÜmmZ {HŸ`m h¡, na§Vw BgHoŸ \ŸbñdêŸn J«¡À`wQr, n|ímZ Am¡a n«{VnyaHŸ AZwn{ñÏm{V Xo`Vm _| hmoZodmbr d¥{Õ HoŸ n«{V HŸmoB© n«mdÜmmZ Zht {HŸ`m J`m h¡. doVZ HoŸ {d{ämÝZ g§¿mQHŸ MMm©/{ZÜmm©aÊm HoŸ AÜmrZ h¡. Cggo g§~§{ÜmV d¥{Õ HoŸ {ddaÊm HoŸ Aämmd _|, Amdí`HŸ A{V{aŠV n«mdÜmmZ HŸr am{ím A{Z`V h¡. ~r_m§HŸHŸ _yë`m§HŸZ _| {dMma HŸr J`r doVZ d¥{Õ Bg d¥{Õ HŸmo n«md{aV HŸaZo hoVw n`m©ßV h¡.

vii) df© 2010-11 Ho$ Xm¡amZ ^maVr` {aOd© ~¡§H$ Zo gmd©O{ZH$ joÌ ~¡§H$mo§ Ho$ H$_©Mm{a`mo§ H$mo no§eZ {dH$ën XoZo H$mo Xw~mam ImobZo VWm J«oÀ`wQr H$r gr_m _o§ ~‹TmoÎmar- {ddoH$nyU© {d{Z`m_H$ CnMma hoVw {XZm§H$ 09.02.2011 H$mo n{anÌ g§.Sr~rAmoSr.~rnr.~rgr. 80/21.04.018/2010-11 Omar {H$`m h¡. Cº$ n{anÌ Ho$ n«mdYmZmo§ Ho$ AZwêŸn df© 2010-11 _| nhMmZr J`r ` 596 H$amoS H$r am{e H$mo AJbo nm±M dfmoª H$r Ad{Y VH$ n{aemo{YV {HŸ`m OmEJm. VXZwgma, ` 119 H$amoS ({nNbo dîm© HoŸ n{aímmoÜmZ ` 596 H$amoS H$m nm±Mdm {hñgm) H$r am{e H$mo Bg dîm© HoŸ bm^ VWm hm{Z ImVo _o§ n«^m{aV {H$`m J`m h¡. CnamoŠV HoŸ n{aÊmm_ñdêŸn Mmby dîm© _| ~¢HŸ HoŸ bmäm _| ` 119 H$amoS HŸr HŸ_r Am`r h¡.

viii) »m§S {anmo{QªJ (EEg-17)

HŸmamo~ma I§S> IμOmZm H§ŸnZr/g_J« ~¢{H§ŸJ »mwXam ~¢{H§ŸJ AÝ` ~¢{H§ŸJ n{aMmbZ Hw$b31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14

amOñd 3960.49 3215.20 5733.16 5169.14 2879.20 2547.03 579.64 485.05 13152.49 11416.42

n{aUm_ 1024.09 560.77 (859.85) (577.98) 673.56 786.38 475.76 398.71 1313.56 1167.88

AZm~§[Q>V ì`` 54.53 64.15

n{aMmbZmË_H$ bm^ 1259.03 1103.73

àmdYmZ d AmH$pñ_H$VmE§ 859.13 655.78

H$a HoŸ {bE àmdYmZ -39.51 32.04

AgmYmaU bm^/hm{Z ímyÝ` ímyÝ`

{Zdb bm^ 439.41 415.91

AÝ` OmZH$mar

I§S> AmpñV`m§ 48522.37 49097.52 61125.48 59320.90 30308.13 26217.51 318.87 371.22 140274.85 135007.15

AZm~§[Q>V AmpñV`m§ 2317.35 2351.46

Hw$b AmpñV`m§ 142643.09 137358.61

I§S> Xo`VmE§ 47263.87 48842.99 59586.26 57239.30 29524.54 25173.54 3.70 2.98 136378.37 131258.81

AZm~§[Q>V Xo`VmE§ 6264.71 6099.80

Hw$b Xo`VmE§ 142643.09 137358.61

# EEg-17 H$s eVm}§ H$o$ AZwgma I§S> {anmo{QªJ HoŸ {bE VWm ^m{a~¡§ _mJ©{ZXo©emo§ _o§ {ZYm©{aVmZwgma ~¢HŸ HoŸ HŸmamo~ma HŸmo Mma dJm}§ _|

{d»m§SZ {HŸ`m J`m h¡ -

(H$) IμOmZm n[aMmbZ Ed§ (I) H§ŸnZr/ÏmmoHŸ ~¢{H§ŸJ (J) »mwXam ~¢{H§ŸJ d (¿m) AÝ` ~¢{H§ŸJ n{aMmbZ

93

# My§{HŸ ~¢HŸ HŸr HŸmoB© g_wÐnmar` emIm Zht h¡, ^m¡Jmo{bH$ I§S> HoŸ AYrZ HŸmoB© {anmo{QªJ Zht H$s J`r h¡.# Ohm± HŸht, ì`` HŸm »m§S go, n«Ë`úm êŸn go g§~§Üm h¡, dhm± CZH$m VXZwgma »m§Smo§ _o§ Am~§QZ {H$`m J`m h¡ Am¡a Ohm± HŸht n«Ë`úm

g§~§Üm Zht h¡ dhm± »m§S amOñd HoŸ AmÜmma na Am~§QZ {HŸ`m J`m h¡.# Ohm± HŸht Am{ñV d Xo`Vm HŸm »m§S go n«Ë`úm êŸn go g§~§Üm h¡ dhm± CZH$m VXZwgma »m§Smo§ _o§ Am~§QZ {H$`m J`m h¡ Am¡a Ohm± HŸht

n«Ë`úm g§~§Üm Zht h¡ dhm± »m§S amOñd/»m§S Am{ñV AZwnmV HoŸ AmÜmma na Am~§QZ {HŸ`m J`m h¡.

n«ÜmmZ HŸm`m©b` _| CnbãÜm Am§HŸSm| HoŸ AmÜmma na Cn`w©ŠV OmZHŸmar g§HŸ{bV HŸr J`r h¡.

ix) gmnoú` nmQr© n«HŸQZ EEg-18 HoŸ AZwgma ~¡§HŸ Zo {ZåZ{b{»mV HŸmo gmnoú` nmQr© HoŸ êŸn _| A{ämkßV {HŸ`m h¡.

H$) à_wI n«~§ÜmZ HŸm{_©HŸ :

1) lr {HŸímmoa gm§gr, n«~§Üm {ZXoímHŸ Ed§ grB©Amo

2) lr dr.HŸÊÊmZ, AÜ`úm Ed§ n«~§Üm {ZXoímHŸ

3) lr HoŸ.Ama.ímoÊm¡, HŸm`©HŸmar {ZXoímHŸ

4) lr ~r.Eg.am_m amd, HŸm`©HŸmar {ZXoímHŸ

df© H$o$ Xm¡amZ g§~§>Õ nm{Q>©`mo| H$o$ gmW boZXoZ {ZåZmZwgma h¡¢ :

HŸ) i) n«_w»m n«~§ÜmZ HŸm{_©HŸ HŸmo dîm© HoŸ Xm¡amZ n«XËV _mZXo` {ZåZmZwgma :

lr {HŸímmoa gm§gr, n«.{Z. Ed§ grB©Amo (01.01.2015 go 31.03.2015 VHŸ) ` 4,95,245/-

lr dr.HŸÊÊmZ, A.d.n«.{Z. (01.04.2014 go 31.12.2014 VHŸ) ` 23,24,658/-

lr HoŸ.Ama.ímoÊm¡, HŸm.{Z. (01.04.2014 go 31.03.2015 VHŸ) ` 22,57,035/-

lr ~r.Eg.am_m amd, HŸm.{Z. (01.04.2014 go 31.03.2015 VHŸ) ` 20,39,413/-

I) n«_w»m n«~§ÜmZ HŸm{_©HŸm| HoŸ {aíVoXmam| HoŸ gmÏm dîm© HoŸ Xm¡amZ HŸmoB© boZXoZ Zht hwAm h¡.

J) AZwf§Jr : ímyÝ`

x) nÅo (EEg-19)

HŸ) n{aMmbZ nÅm| HoŸ {bE n«XËV nÅo {HŸamE HŸmo g§~§{ÜmV dîm© HoŸ bmäm d hm{Z »mmVo HoŸ ì`` HoŸ êŸn _| nhMmZm OmVm h¡.

»m) n{aMmbZ nÅo HoŸ {bE Xo` ämmdr {HŸam`m : (` H$amoS>>m| _|)

{ddaÊm 31.03.2015 31.03.2014

EHŸ dîm© HoŸ nhbo 94.87 94.03

EHŸ dîm© HoŸ ~mX na§Vw 5 dîm© HoŸ nhbo 478.96 376.11

5 dîmmoª HoŸ ~mX 481.51 282.08

HwŸb 1055.93 752.22

bmäm d hm{Z »mmVo HŸmo n«ämm{aV am{ím 100.19 95.24

J) ämmdr nÅo {HŸamE VÏmm {HŸamE HŸr d¥{Õ gh_{V ímVmoª HoŸ AmÜmma na {ZÜmm©{aV {HŸ`m OmVm h¡.

¿m) n«ma§{ämHŸ nÅo HŸr Ad{Üm HŸr g_m{ßV na gm_mÝ`V: ~¢HŸ HŸmo ämmdr nyd© {ZÜmm©{aV Ad{Üm HoŸ {bE nÅo HŸm {dñVmaÊm HŸaZo HŸm {dHŸën h¡.

L) ~¢HŸ _| HŸmoB© {dËVr` nÅm Zht h¡.

94

xi) à[V eoà AO©Z (EEg-20)

~¢HŸ$, "n«{V ímoà AO©Z' na bo»mmHŸaÊm _mZH$ 20 HoŸ AZwêŸn n«{V B©{ŠdQr ímoà na _yb AO©Z {anmoQ© H$aVm h¡. Bg Ad{Üm HoŸ {bE n«{V ímoæma _yb AO©Z H$m n{aHŸbZ HŸaZo HoŸ {bE df© HoŸ Xm¡amZ H$a níMmV {Zdb bm^ HŸmo ~HŸm`m B©{ŠdQr ímoà HŸr ^m{aV Am¡gV g§»`m go {dämm{OV {HŸ`m OmVm h¡.

_yb n«{V ímoà AO©Z H$m n{aHŸbZ/SmBë`yQrd 31.03.2015 31.03.2014

H$. B©{ŠdQr ímoàYmaH$m| HoŸ {bE CnbãÜm H$a HoŸ ~mX {Zdb bm^ (` H$amoS>m| _|) 439.41 415.91

I. ^m{aV Am¡gV B{ŠdQ>r ímoàm| H$s g§»`m (g§»`m H$amoS>m| _|) 85.91 54.47

J. _yb n«{V ímoà AO©Z SmBë`yQrd (én`m| _|) 5.11 7.64

K. n«{V ímoà H$m Zm__mÌ _yë` (én`m| _|) 10 10

xii) Am` na HŸa HoŸ {bE bo»mmHŸaÊm (EEg-22)

~¢HŸ Zo AmB©grEAmB© Ûmam Omar bo»mm _mZH$ 22 "Am` na H$a HoŸ {bE bo»mm' HoŸ AZwnmbZ _| Am`H$a HoŸ {bE bo»mm§HŸZ {HŸ`m h¡. VXZwgma AmñW{JV AmpñV Am¡a Xo`Vm H$s nhMmZ H$s OmVr h¡.

H$) AmñÏm{JV H$a HoŸ _w»` KQ>H$ {ZåZmZwgma h¢ : (` H$amoS>>m| _|)

HŸ«_ g§. g_` _| A§Va AmñÏm{JV H$a AmpñV AmñÏm{JV H$a Xo`Vm

31.03.2015 31.03.2014 31.03.2015 31.03.2014

1. Nw>Q²>Q>r ZH$XrH$aU hoVw àmdYmZ 54.13 54.42 ímyÝ`

2. ñÏmmB© Am{ñV`m± ímyÝ` 1.52 0.88 ímyÝ`

3. An{aímmo{ÜmV n|ímZ ímyÝ` ímyÝ` 32.14

4. An{aímmo{ÜmV J«oÀ`wQr ímyÝ` ímyÝ` 8.35

5. nwZgªa{MV A{J«_m| HoŸ {bE n«mdÜmmZ 84.15 67.04 ímyÝ`

6. Am`HŸa A{Üm{Z`_ HŸr Ümmam 36(i)(viii) HoŸ AÜmrZ {dímoîm Ama{úmV {Z{Üm

160.49 157.62

HwŸb 138.28 122.98 161.37 198.11

»m) EMQrE_ dJ© {b»mVm| HoŸ {Zdoím go hmoZodmbo g_` HoŸ A§Va HoŸ {bE `230 HŸamoS HŸr AmñÏm{JV HŸa Xo`Vm (SrQrEb) HoŸ {bE ~¢HŸ Ûmam n«mdÜmmZ Zht {HŸ`m J`m h¡. `h AmB©grEAmB© HoŸ B©Egr am` HoŸ AZwêŸn Zht h¡. ~¢HŸ HŸm VH©Ÿ h¡ {HŸ CZHŸmo nam_ím© {X`m J`m h¡ Am¡a Bg _m_bo _| g§~§{ÜmV n«m{ÜmHŸm{a`m| go ñnîQrHŸaÊm hoVw AmB©~rE go g§nH©Ÿ {HŸ`m h¡. AV: SrQrEb HoŸ {bE ~¢HŸ Ûmam HŸmoB© n«mdÜmmZ Zht {HŸ`m J`m h¡.

J) df© HoŸ Xm¡amZ Am` H$a HoŸ {bE {HŸE JE àmdYmZ : (` H$amoS>>m| _|)

{ddaÊm 31.03.2015 31.03.2014

Am`H$a HoŸ {bE àmdYmZ 106.81 210.00*

AmñÏm{JV H$a HoŸ {bE àmdYmZ (52.05) (67.96)

E_EQr F$Êm hHŸXmar (94.27) (110.00)

* ` 90.00 HŸamoS nyd© Ad{Üm HoŸ {ddm{XV HŸa, Am` HŸa n«mdÜmmZ _| ímm{_b h¡.

xii) n«~§ÜmZ H$s am` _|, bo»mmHŸaÊm _mZH$-28, úm{VJ«ñV$ AmpñV Ho$ AZwga ~¢HŸ HŸr HŸmoB© ^r AMb AmpñV ^m¡o[VH$ êŸn go úm{VJ«ñV$ Zht h¡.

95

9. I. J«mhHŸm| HŸr {ímHŸm`V| :

31.03.2015

H$. dîm© HoŸ Ama§äm _| b§{~V {ímHŸm`Vm| HŸr g§. 44

I. dîm© HoŸ Xm¡amZ n«mßV {ímHŸm`Vm| HŸr g§. 1838

J. dîm© HoŸ Xm¡amZ {ZnQmB© JB© {ímHŸm`Vm| HŸr g§. 1845

K. dîm© HoŸ A§V _| b§{~V {ímHŸm`Vm| HŸr g§. 37

II. EQrE_ boZXoZ go g§~§{ÜmV {ímHŸm`V HoŸ {ddaÊm :

31.03.2015

H$. dîm© HoŸ Ama§äm _| b§{~V {ímHŸm`Vm| HŸr g§. 96

I. dîm© HoŸ Xm¡amZ n«mßV {ímHŸm`Vm| HŸr g§. 12160

J. dîm© HoŸ Xm¡amZ {ZnQmB© JB© {ímHŸm`Vm| HŸr g§. 12222

K. dîm© HoŸ A§V _| b§{~V {ímHŸm`Vm| HŸr g§. 34

10. ~¢{H§ŸJ bmoHŸnmb Ûmam nm{aV \¡Ÿgbo :

31.03.2015

H$. dîm© HoŸ Ama§äm _| HŸm`m©{ÝdV Z {HŸE JE \¡Ÿgbm| HŸr g§. 0

I. dîm© HoŸ Xm¡amZ ~¢{H§ŸJ bmoHŸnmb Ûmam nm{aV \¡Ÿgbm| HŸr g§. 3

J. dîm© HoŸ Xm¡amZ HŸm`m©{ÝdV \¡Ÿgbm| HŸr g§. 2

K. dîm© HoŸ A§V _| HŸm`m©{ÝdV Z {HŸE JE \¡Ÿgbm| HŸr g§. 1

11. dîm© 2013-14 HoŸ Xm¡amZ, {Xg§~a 2013 _| ~¢HŸ Zo ämmaV gaHŸma HŸmo n«{V `10/- HoŸ 5,89,34,464 B©{ŠdQr ímoà n«{V ímoà `32.42 n«r{_`_ na Omar {HŸ`m h¡. \Ÿadar, 2014 _| ~¢HŸ Zo ämmaV gaHŸma Ûmam Ümm{aV 1200 HŸamoS HoŸ ímmídV J¡a-g§M`r A{Üm_mZr ímoà HŸmo n«{V `10/- HoŸ A§{HŸV _yë` HoŸ n«{V ímoà `29.39 n«r{_`_ na B©{ŠdQr ímoà ny§Or HoŸ êŸn _| n{ad{V©V {HŸ`m h¡.

12. Mmby {dËVr` dîm© HoŸ Xm¡amZ ämm.{a.~¢. Zo `5.16 bm»m HŸm Ow_m©Zm bJm`m h¡.

13. n«mdÜmmZ d AmHŸ{ñ_HŸ ì`` HoŸ {dñV¥V ã`m¡ao (` H$amoS>>m| _|)

bmäm d hm{Z »mmVo _| ì`` ímrîm© HoŸ A§VJ©V "n«mdÜmmZ d AmHŸ{ñ_HŸ ì``' HoŸ {dñV¥V ã`m¡ao 31.03.2015 31.03.2014

{Zdoím na _yë`õmg hoVw n«mdÜmmZ (71.91) 120.01

EZnrE HoŸ {bE n«mdÜmmZ 800.21 380.82

_mZHŸ Am{ñV hoVw n«mdÜmmZ (nwZgªa{MV _mZHŸ g{hV) 87.07 153.21

Am`HŸa HoŸ {bE {HŸE JE n«mdÜmmZ ({Zdb)

i) Mmby HŸa 106.81 210.00

ii) AmñÏm{JV HŸa (52.05) (67.96)

iii) E_EQr F$Êm hHŸXmar (94.27) (110.00)

AÝ` n«mdÜmmZ d AmHŸ{ñ_HŸ ì``

i) AmHŸ{ñ_HŸ ì`` hoVw n«mdÜmmZ 21.81 42.68

ii) AÝ` 21.95 (5.01)

iii) dmng {b`m J`m A{ÜmHŸ n«mdÜmmZ 0.00 (35.93)

HwŸb 819.62 687.82

96

HŸm°nmo©aoQ EZnrE »mmVo HoŸ C{MV _yë` na _yë`õmg HoŸ {bE ""AmHŸ{ñ_HŸVmAm| HoŸ {bE n«mdÜmmZ'' HoŸ AÜmrZ `31 HŸamoS HŸr am{ím CnbãÜm HŸam`r J`r h¡.

13(H$) A{ñÏma n«mdÜmmZ (` H$amoS>>m| _|)

H«$_ g§. {ddaU 31.03.2015 31.03.2014

H$. AWŸ ímoîm 142.71 213.00

I. dîm© HoŸ Xm¡amZ {HŸE JE A{ñÏma n«mdÜmmZ ímyÝ` ímyÝ`

J. dîm© HoŸ Xm¡amZ Amh{aV am{ím 71.36 70.29

K. B{V ímoîm 71.35 142.71

^m.[a.~¢ Ho$ n[anÌ g§ S>r~rAma g§ ~rnrgr 79/2014-048/2014-15 {X. 30.03.2015 Ho$ AZwgaU ‘| ~¢H$ Zo ¶Wm 31.12.2014 VH$ Ym[aV ApñWa àmdYmZ Ho$ 50% H$m à¶moJ {H$¶m h¢.

ZmoQ : A{ñWa n«mdYmZ H$m BñVo_mb AZO©HŸ A{J«_mo§ Ho$ {bE Amdí`H$ n«mdYmZ Ho$ n{aH$bZ Ho$ {bE {H$`m J`m h¡.

14. A§V: g_yh EŠgnmoOa :

HŸ) A§V: g_yh EŠgnmoOa HŸr HwŸb am{ím : ímyÝ`

»m) CÀM-20 A§V: g_yh EŠgnmoOa HŸr HwŸb am{ím : ímyÝ`

J) CÜmmaHŸVm©Am|/J«mhHŸm| na ~¢HŸ HŸm HwŸb EŠgnmoOa HoŸ n«{V A§V: g_yh EŠgnmoOa HŸr n«{VímVVm : ímyÝ`

¿m) A§V: g_yh EŠgnmoOa na gr_m VmoSZo HoŸ {ddaÊm VÏmm Cg na {d{Z`m_HŸ HŸma©dmB©, `{X HŸmoB© hmo : ímyÝ`

15. O_mHŸVm© {ímúmm Ed§ OmJêŸHŸVm {Z{Üm HŸmo A§VaÊm (SrB©EE\Ÿ) : (` HŸamoSm| _| )

{ddaÊm 31.03.2015 31.03.2014

SrB©EE\Ÿ HŸmo A§V{aV am{ím HŸm AÏmímoîm 0.00 0

OmoS| : dîm© HoŸ Xm¡amZ SrB©EE\Ÿ HŸmo A§V{aV am{ím 62.88 0

¿mQmE§ : Xmdo HoŸ n«{V SrB©EE\Ÿ Ûmam n«{Vny{V© HŸr J`r am{ím 0.01 0

SrB©EE\Ÿ HŸmo A§V{aV am{ím HŸm B{Vímoîm 62.87 0

16. Aa{úmV {dXoímr _wÐm EŠgnmoOa :

(Ohm§ VHŸ ~¢HŸ Zo CÜmmaHŸVm©Am| go gw{Z{íMV HŸa nm`m h¡ VÏmm ~¢HŸ Ûmam n«_m{ÊmV {HŸ`m J`m VÏmm bo»mmnarúmHŸm| Ûmam ämamogm {HŸ`m J`m)

`Ïmm 31.03.2015 HŸmo d¥{Õímrb n«mdÜmmZrHŸaÊm : ` 151 HŸamoS

`Ïmm 31.03.2015 HŸmo d¥{Õímrb ny§Or Amdí`HŸVm : ` 14.18 HŸamoS

17( H$) Mb{Z{Üm n«mdaÊm AZwnmV : (` HŸamoSm| _| )

Mmby dîm©

HwŸb Aämm{aV _yë` (Am¡gVZ) HwŸb ämm{aV _yë` (Am¡gVZ)

CÀM JwÊmdËVm Mb{Z{Üm Am{ñV`m§

1 HwŸb CÀM JwÊmdËVm Mb{Z{Üm Am{ñV`m§ (EMŠ`yEbE) 14048.92

ZHŸX ~{hJ©_Z

2 »mwXam O_m VÏmm NmoQo HŸmamo~ma J«mhHŸm| go O_m, {Og_| go 7908.32 764.13

(i) {ñÏma O_m 533.48 26.66(ii) HŸ_ {ñÏma O_m 7374.84 737.47

3 An«Ë`mämyV ÏmmoHŸ {ZÜmr`Z, {Og_| go 37457.65 18410.05

97

Mmby dîm©

HwŸb Aämm{aV _yë` (Am¡gVZ) HwŸb ämm{aV _yë` (Am¡gVZ)

(i) n{aMmbZmË_HŸ O_m (gämr HŸmC§QanmQr©) 0.00 0.00

(ii) J¡a-n{aMmbZmË_HŸ O_m (gämr HŸmC§QanmQr©) 37457.65 18410.05

(iii) An«Ë`mämyV F$Êm 0.00 0.00

4 n«Ë`mämyV ÏmmoHŸ {ZÜmr`Z

5 A{V{aŠV Amdí`HŸVmE§, {Og_| go 10579.82 1504.90

(i) ì`wËnÝZ EŠgnmoOa VÏmm AÝ` g§nm{íd©HŸ Amdí`HŸVmAm| go g§~§{ÜmV ~{hJ©_Z

0.00 0.00

(ii) F$Êm CËnmXm| na {ZÜmr`Z HŸr hm{Z go g§~§{ÜmV ~{hJ©_Z 0.00 0.00

(iii) F$Êm VÏmm Mb{Z{Üm gw{dÜmm 10579.82 1504.90

6 AÝ` HŸama~Õ {ZÜmr`Z Xm{`Ëd 1051.47 1051.47

7 AÝ` AmHŸ{ñ_HŸVmAm| HoŸ {ZÜmr`Z Xm{`Ëd 6071.68 303.58

8 HwŸb ZHŸXr ~{hJ©_Z 22034.13

ZHŸX AmJ_Z

9 n«Ë`mämyV CÜmma (CXm. [adg© [anmo) 171.40 0.00

10 nyÊm©V: {Zînm{XV EŠgnmoOa go AmJ_Z 0.00 0.00

11 AÝ` ZHŸX AmJ_Z 1739.06 1151.75

12 HwŸb ZHŸX AmJ_Z 1910.46 1151.75

HwŸb g_m`mo{OV _yë`

21 HwŸb EMŠ`yEbE 14048.92

22 HwŸb {Zdb ZHŸX ~{hJ©_Z 20882.38

23 Mb{Z{Üm HŸdaoO AZwnmV (%) 67.276%

17(I) EbgsAma go g§~§[YV JwUmË_HŸ àHŸQZ :

HŸ. EbgsAma n[aUm_ HoŸ à_wI MmbHŸ Am¡a g_` HoŸ gmW EbgsAma HoŸ JUZm HŸs [Z[dpîQ`mo§ HoŸ `moJXmZ HŸm [dHŸmg ;

EbgsAma HoŸ à_wI MmbHŸ EMŠ`yEbE h¡, ñdñW EMŠ`yEbE go EbgsAma HŸs à[VeVVm _o§ gwYma Zht hmoJs gmW hs 30 [XZmo§ VHŸ VabVm Amdí`HŸVm HŸmo nyam HŸaZo hoVw ~¡§HŸ HŸs úm_Vm _o§ d¥[Õ ^s hmoJs.

A§Va - Ad[Y n[adV©Z VWm g_` HoŸ gmW n[adV©Z : bmJy Zht

I. EMŠ`yEbE HŸs g§aMZm : EMŠ`yEbE HŸs g§aMZm HŸmo ñVa 1 AmpñV Am¡a ñVa 2E & ñVa 2~s _o§ [d^m[OV [HŸ`m J`m h¡.

98

ñVa 1 AmpñV _o§ [ZåZ em[_b h¡§:

i. ZHŸX [Og_o§ Amdí`HŸ gsAmaAma go A[YHŸ ZHŸX Ama[úm[V em[_b h¡.

ii. Ý`yZV_ gm§[d[YHŸ VabVm AZwnmV (EgEbAma) Amdí`HŸVm go A[YHŸ gaHŸmas à[V^y[V`m§

iii. A[Zdm`© gm§[d[YHŸ VabVm AZwnmV (EgEbAma) Amdí`HŸVm HoŸ A§VJ©V, _m[O©Zb ñQ¡§qSJ gw[dYm (E_EgE\Ÿ) HoŸ AYsZ ^maVs` [aOd© ~¡§HŸ Ûmam AZw_V gaHŸmas à[V^y[V`m§

iv. [dXoes amÁ`mo§ Ûmam Omas `m Jma§QsH¥ŸV [dnUZ`mo½` à[V^y[V`m§ Omo [ZåZ eVmoª HŸmo nyam HŸaVs h¡:-

HŸ. GU Omo[I_ HoŸ [bE ~ogb II _mZHŸsH¥ŸV X¥pîQHŸmoU HoŸ AYsZ 0% Omo[I_ ^ma [X`m OmVm h¡.

»m. HŸ_ ñVa HoŸ Ho§ŸÐsHŸaU `wº AmpñV`m§ [Ogo ~So, Jhao Am¡a g[HŒŸ` [anmo Am¡a ZHŸX ~mOma _o§ ì`mnma [HŸ`m OmVm h¡; VWm VZmdJ«ñV ~mOma n[apñW[V`mo§ _o§ ^s ~mOma( [anmo `m [~HŒŸs) _o§ VabVm HŸm [dœgZs` òmoV h¡.

J. ~¡§HŸ/[dÎms` g§ñWm/EZ~sE\Ÿgs `m BZHoŸ HŸmoB© ^s g§~Õ BHŸmB`mo§ Ûmam Omas Z [HŸ`m J`m hmo.

ñVa 2 AmpñV`mo§ (ñVa 2E d ñVa 2~s AmpñV`m§ em[_b h¡) HŸmo Vab AmpñV`mo§ HoŸ ñQm°HŸ _o§ em[_b [HŸ`m Om gHŸVm h¡, ~eVo© [HŸ hoàHŸQ bmJy HŸaZo HoŸ ~mX EMŠ`yEbE HoŸ g_J« ñQm°HŸ HoŸ 40% go A[YHŸ Z hmo.

ñVa 2E d ñVa 2 ~r AmpñV¶m| ‘| {ZåZm§{H$V em{‘b h¢.

ñVa 2E AmpñV`mo§ _o§ [ZåZ em[_b h¡;

ñQm°HŸ _o§ Ym[aV àËòHŸ ñVa 2E AmpñV HŸm dV©_mZ ~mOma _yë` HoŸ [bE Ý`yZV_ 15% hoàHŸQ bmJy HŸaZm h¡. ñVa 2E AmpñV`m§ [ZåZ VHŸ hs gs[_V h¡:

1. [dnUZ`mo½` à[V^y[V`m§ Omo [dXoes gaHŸma, gmd©O[ZHŸ úmoÌ BHŸmB`m§ (nsEgB©) `m ~hwnúms` [dHŸmg ~¡§HŸ Ûmam Jma§QsH¥ŸV Xmdm `m na Xmdo HŸm à[V[Z[YËd HŸaVm hmo [OZHŸmo GU Omo[I_ HoŸ [bE ~ogb II _mZHŸsH¥ŸV X¥pîQHŸmoU HoŸ AYsZ 20% Omo[I_ ^ma g_ZwXo[eV [HŸ`m J`m hmo Am¡a Omo ~¡§HŸ/[dÎms` g§ñWm/EZ~sE\Ÿgs `m BZHoŸ HŸmoB© ^s g§~Õ BHŸmB`mo§ Ûmam Omas Z [HŸ`m J`m hmo.

2. HŸmnmo©aoQ ~m§S Omo ~¡§HŸ/[dÎms` g§ñWm/EZ~sE\Ÿgs `m BZHoŸ HŸmoB© ^s g§~Õ BHŸmB`mo§ Ûmam Omas Z [HŸ`m J`m hmo,[OÝho§ nmÌ GU aoqQJ EOo§gs Ûmam EE- `m Cggo A[YHŸ aoqQJ [X`m J`m hmo.

3. dm[UpÁ`HŸ nÌ [Ogo ~¡§HŸ/àmW[_HŸ Ssba(nsSs) /[dÎms` g§ñWm `m BZHoŸ HŸmoB© ^s g§~Õ BHŸmB`mo§ Ûmam Omas Z [HŸ`m J`m hmo [OÝho§ nmÌ GU aoqQJ EOo§gs Ûmam EE- `m Cggo A[YHŸ ~Ss Ad[Y aoqQJ HoŸ g_Zwên bKw Ad[Y aoqQJ [X`m J`m hmo .

ñVa 2~s AmpñV`mo§ _o§ [ZåZ em[_b h¡;

ñQm°HŸ _o§ Ym[aV àËòHŸ ñVa 2~s AmpñV HŸm dV©_mZ ~mOma _yë` HoŸ [bE Ý`yZV_ 50% hoàHŸQ bmJy HŸaZm h¡.Am¡a, ñVa 2~s AmpñV`mo§ _o§ EMŠ`yEbE HoŸ HwŸb ñQm°HŸ HŸm 15% go A[YHŸ Zht hmoZm h¡. BÝho§ g_JŒ ñVa 2~s AmpñV`mo§ _o§ ^s em[_b [HŸ`m OmZm h¡. ñVa 2E AmpñV`m§ [ZåZ VHŸ hs gs[_V h¡:

i. [dnUZ`mo½` à[V^y[V`m§ Omo [dXoes Ûmam Jma§QsH¥ŸV Xmdm `m na Xmdo HŸm à[V[Z[YËd HŸaVm hmo [OZHŸm Omo[I_ ^ma 20% go A[YHŸ hmo na§Vw 50% go A[YHŸ Z hmo AWm©V "~ogb III - ny§Or [d[Z`_Z' na ^m.[a.~¡§ HŸm _mñQa n[anÌ HoŸ AZwgma ~s~s~s- go HŸ_ GU aoqQJ Z hmo.

ii. gm_mÝ` B©pŠdQs eoà Omo [ZåZ eVmoª HŸmo nyam HŸaVm hmo:

HŸ. Omo ~¡§HŸ/[dÎms` g§ñWm/EZ~sE\Ÿgs `m BZHoŸ HŸmoB© ^s g§~Õ BHŸmB`mo§ Ûmam Omas Z [HŸ`m J`m hmo;

»m. EZEgB© gsEZEŠg [ZâQs gyMHŸm§HŸ Am¡a/`m Eg d ns ~sEgB© go§goŠg gyMHŸm§HŸ _o§ em[_b [HŸ`m J`m hmo.

J. [ZYsHŸaU lmoVmo§ HŸm g§Ho§ŸÐU; ^m.[a.~¡§ /Ho§ŸÐs` ~¡§HŸmo§ Ûmam àmßV HŸs OmZodmbs am[e

¿m. So[adoQsd EŠgnmoOa Am¡a g§^mì` g§nm[œ©HŸ HŸm°b; bmJy Zht

L. EbgsAma _o§ _wÐm ~o_ob - bmJy Zht

99

M. VabVm à~§YZ HoŸ Ho§ŸÐsHŸaU HoŸ ñVa VWm g_yh HŸs BHŸmB`mo§ HoŸ ~sM ~mVMsV HŸm [ddaU; Am¡a

IOmZm à~§YZ [d^mJ HoŸ [Z[Y à~§YZ SoñHŸ Ho§ŸÐsH¥ŸV VabVm à~§YZ SoñHŸ h¡ Omo Xmo BHŸmB`mo§ HoŸ ~sM [Z[Y`mo§ HoŸ àdmh HŸm à~§YZ HŸaVm h¡.

N>. EbgsAma g§JUZm _o§ AÝ` Amdm-Omhs [Ogo EbgsAma gm_mÝ` Qo§nboQ Ûmam H¡ŸßMa Zht [HŸ`m J`m h¡ na§Vw g§ñWm [Ogo CZHoŸ VabVm àmo\ŸmBb HoŸ [bE àmg§[JHŸ g_ÂmVm h¡. - bmJy Zht

18. ~¢HŸ Zo ì`nJV _m§J S—mâQ HoŸ ämwJVmZ HoŸ {bE gm_mÝ` Ama{úm{V go ` ímyÝ` AmhaÊm {HŸ`m h¡ ({nNbo dîm© ` ímyÝ` ){Ogo ämm.{a.~¢. HoŸ AZw_moXZmZwgma nyd© _| gm_mÝ` Ama{úm{V _| a»mm J`m Ïmm.

19. gyú_, b¿mw, _Ü`_ CÚ_ {dHŸmg A{Üm{Z`_, 2006 HoŸ AÜmrZ ímm{_b Amny{V©HŸVm©/godm n«XmVm HoŸ g§~§Üm _| ~¢HŸ HoŸ nmg n`m©ßV gyMZm CnbãÜm Zht h¡. Bg dOh go CŠV A{Üm{Z`_ HŸr Ümmam 22 HoŸ AÜmrZ n«HŸQ HŸr OmZo dmbr Ano{úmV gyMZm Zht Xr J`r h¡.

20. Mmby dîm© HoŸ dJr©HŸaÊm HŸr nw{îQ HŸaZo hoVw {nNbo gmb HoŸ A§HŸm| HŸmo Ohm± HŸht Amdí`HŸ hmo nwZ: g_yhZ/nwZ:dJr©H¥ŸV/nwZ:ì`d{ñÏmV {HŸ`m J`m h¡.



















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100

31.03.2015 H$mo g_má df© Ho$ {bE ZH$Xr àdmh H$m [ddaU

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31.03.2015H$mo g_mßV df© H$o${bE


n[aMmbZ J[V[d[Y`mo§ go ZHŸXs àdmh HŸa HoŸ ~mX [Zdb bm^ 439 40 94 415 90 86AMb AmpñV`mo§ na _yë` õmg HoŸ {bE n«mdÜmmZ 54 53 24 64 14 62AMb AmpñV`mo§ HŸs [~H«$s na bm^ - 50 48 - 20 82Mmby AmñW[JV HŸa -52 04 56 -67 95 82Am`HŸa HoŸ [bE àmdYmZ 106 81 00 210 00 00

E_EQr F$U hHŸXmar -94 27 00 -110 00 00

J¡[ZAm / nwZgªa[MV A{J«_ HoŸ g§~§Y _o§ àmdYmZ 846 14 48 452 19 86

_mZHŸ AmpñV`mo§ HoŸ [bE àmdYmZ 41 14 00 81 83 00

[Zdoe HoŸ _yë` _o§ õmg HoŸ [bE àmdYmZ -71 89 60 120 01 15

Jm¡U ~m§S na ã`mO HŸm ^wJVmZ / àmdYmZ 189 08 09 144 15 03

AÝ` _Xmo§ HoŸ [bE àmdYmZ 43 73 87 1 73 99

Cn HwŸb :- 1502 13 98 1311 81 87

n[aMmbZ Am[ñV`mo§ d Xo`VmAmo§ _o§ [Zdb n[adV©Z _o§ g_m`moOZ

[Zdoe _o§ [JamdQ / (d¥[Õ ) -1864 81 78 -11420 43 09

A[JŒ_mo§ _o§ [JamdQ / (d¥[Õ ) -6037 97 61 -12190 46 85

O_mam[e`mo§ _o§ d¥[Õ / ([JamdQ ) 2047 19 12 27278 92 25

CYma _o§ d¥[Õ / ([JamdQ ) 1033 39 50 -1897 01 78

AÝ` AmpñV`mo§ _o§ [JamdQ / (d¥[Õ ) -12 77 46 -114 89 48

AÝ` Xo`VmAmo§ d àmdYmZmo§ _o d¥[Õ / ([JamdQ ) 292 59 32 338 25 54

HŸa (àXÎm) / dmngs -171 77 86 -390 20 53

n[aMmbmË_HŸ J[V[d[Y`mo§ go CËßnZ [Zdb ZHŸXr (HŸ) -3212 02 79 2915 97 94

[Zdoe J[V[d{Üm`mo§ go ZHŸXs àdmh

AMb AmpñV`m§ ([Zdb) -104 20 28 -129 77 84

[Zdoe J[V[d[Y`mo§ go CËnÝÝm [Zdb ZHŸXr (I) -104 20 28 -129 77 84

[dÎmr` J[V[d{Y`mo§ go CËnÝÝm ZHŸXs àdmh

eoà ny§Os HŸm [ZJ©_Z - -836 41 97

eoà às[_`_ - 1086 41 97

Omas Jm¡U ~m§S 1500 00 00 250 00 00

Jm¡U ~m§S na ã`mO -189 08 09 -144 15 03

àXÎm A[Y_mZs bm^m§e d Cg na àXÎm HŸa - -119 33 49

B©[HŸdQs bm^m§e d Cg na àXÎm HŸa -100 51 27 -144 93 90

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n«XËV A§V{a_ bmämm§ím d Cg na n«XËV HŸa - -64 87 06[dÎms` J{V[d[Y`mo§ go CËnÝÝm [Zdb ZHŸXr (J) 1210 40 64 26 70 52

[Zdb ZHŸXr Am¡a ZHŸXr g_Vwë` am[e (HŸ + I + J) -2105 82 43 2812 90 62

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hmW _o§ ZHŸXs 373 49 97 417 56 29

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hmW _o§ ZHŸXs 493 80 86 373 49 97

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ñdV§Ím bo»mm narúmHŸm| HŸr {anmoQ©godm _|

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{dËVr` {ddaÊmm| na {anmoQ©

1. h_Zo ¶Wm ‘mM© 2015 Ho$ {dO`m ~¢HŸ HoŸ g§b½Z {dËVr` {ddaÊmm| HŸm {ZarúmÊm {HŸ`m h¡ {Og_| 31 _mM©, 2015 HoŸ VwbZ nÍm VÏmm Cg {XZm§HŸ HŸmo g_má bmäm-hm{Z bo»mm VÏmm g‘má df© Ho$ {bE ZHŸXr n«dmh {ddaÊm VÏmm _hËdnyÊm© bo»mm Zr{V`mo§ H$m gma VÏmm AÝ` ì`m»`mË_HŸ gyMZm ímm{_b h¡. Bg_| h_mao Ûmam bo»mmnar{úmV 20 emImAm| Am¡a ímm»mm bo»mm narjHŸm| Ûmam bo»mm nar{úmV 600 emImAm| H$s {dda{U`m± g_m{dîQ h¢. ~¢HŸ Zo, h_mao Ûmam nar{úmV Am¡a AÝ` bo»mm narúmHŸm| Ûmam nar{úmV emImAm| H$m M`Z, ^maVr` {aμOd© ~¢HŸ Ûmam Omar _mJ©{ZXo©ímm| HoŸ AZwgma {HŸ`m h¡. VwbZ nÌ, bm^-hm{Z boIm _| CZ 998 emImAm| H$s {dda{Êm`m§ g{å_{bV H$s J`r h¡, {OZHŸr bo»mm narúmm Zht H$s J`r h¡. ò J¡a bo»mm nar{úmV ímm»mmE§ 7% A{J«_ H$m, 33% O_mam{ím`m| H$m, 34% ã`mO na Am` Am¡a 26% ã`mO na ì`` HoŸ ~ZVo h¢.

{dËVr` {ddaÊmm| HoŸ {bE n«~§ÜmZ CËVaXm{`Ëd

2. ~¢HŸ HŸr _hËdnyÊm© bo»mm Zr{V`m| HoŸ gmÏm nTo JE ~¢{H§ŸJ {d{Z`_Z A{Üm{Z`_, 1949 VÏmm H§ŸnZr (bo»mm _mZHŸ) {Z`_ 2006 HoŸ AZwgma BZ {dËVr` {dda{Êm`m| HŸr V¡`mar n«~§ÜmZ HŸm CËVaXm{`Ëd h¡. Bg CËVaXm{`Ëd _|, {dËVr` {dda{Êm`m| HŸr êŸnao»mm, CgHŸm HŸm`m©Ýd`Z VÏmm {dda{Êm`m| HŸmo Ímw{Qa{hV, Mmho Ímw{Q Ümmo»mmÜmSr go `m JbVr go hmo, V¡`ma HŸaZo go g§~§Ümr Am§V{aHŸ {Z`§ÍmÊm HŸm a»m-a»mmd ímm{_b h¡.

bo»mmnarúmHŸ HŸm CËVaXm{`Ëd

3. h_mar bo»mmnarúmm na AmÜmm{aV BZ {dda{Êm`m| na am` Om{ha HŸaZm h_mar {Oå_oXmar h¡. h_Zo ämmaVr` gZXr bo»mmHŸma g§ñÏmmZ Ûmam Omar bo»mmnarúmm HoŸ _mZHŸm| HoŸ AZwgma bo»mmnarúmm HŸr h¡. BZ _mZHŸm| HŸr Amdí`HŸVm h¡ {HŸ h_ Z¡{VHŸ Amdí`HŸVmAm| HŸm AZwnmbZ HŸa| VÏmm `moOZm V¡`ma HŸaHoŸ bo»mmnarúmm HŸa| Vm{HŸ {dËVr` {dda{Êm`m| HoŸ ~mao _| g_w{MV AmídmgZ n«mßV hmo {HŸ BgHŸr gm_J«r _| JbV {ddaÊm Zht h¡. "g§`wŠV bo»mmnarúmHŸ HŸm Xm{`Ëd-HŸm`© {dämmOZ na n¡am 2 d 3o' na Eg E 299 HoŸ AZwgma g§`wŠV bo»mmnarúmHŸ Amng _| HŸm`© HoŸ {dämmOZ HŸm {ZÊm©` HŸa|Jo Am¡a BHŸmB© HŸmo gy{MV HŸa|Jo. Mmby dîm© HoŸ HŸm`© HŸm {dämmOZ g§`wŠV bo»mmnarúmHŸm| go nam_ím© {HŸE {~Zm ~¢HŸ HoŸ n«~§ÜmZ Ûmam {HŸ`m J`m. n«~§ÜmZ HŸm HŸhZm h¡ {HŸ CŠV {dämmOZ ämm.{a.~¢. HoŸ {Z`w{ŠV nÍm HoŸ AZwgma {HŸ`m J`m h¡.

4. bo»mmnarúmm _|, {dËVr` {dda{Êm`m| _| {b{»mV am{ím VÏmm n«HŸQrHŸaÊm HoŸ g§~§Üm _| bo»mmnarúmm gmú` n«mßV HŸaZo hoVw n«{HŸ«`mAm| HŸmo ímm{_b HŸaZm h¡. M`Z HŸr J`r n«{HŸ«`m, bo»mmnarúmHŸm| HoŸ {ZÊm©` na AmÜmm{aV h¡ {Og_| {dËVr` {dda{Êm`m| HŸr Ímw{Q`m| HoŸ Omo{»m_ HŸm _yë`m§HŸZ ämr ímm{_b h¡, Mmho do Ümmo»mmÜmSr HoŸ HŸmaÊm hmo `m JbVr go hmo. Eogo Omo{»m_ _yë`m§HŸZ HŸaVo g_`, bo»mmnarúmHŸ H§ŸnZr Ûmam {dËVr` {dda{Êm`m| HŸr V¡`mar d C{MV n«ñVw{V go g§~§{ÜmV Am§V{aHŸ {Z`§ÍmÊm na ämr {dMma HŸaVo h¢ Vm{HŸ Cg g§Xäm© HoŸ {bE C{MV bo»mmnarúmm n«{HŸ«`mAm| HŸmo V¡`ma {HŸ`m Om gHoŸ. bo»mmnarúmm _| n«`wŠV bo»mm Zr{V`m| HŸr g_w{MVVm HŸm _yë`m§HŸZ VÏmm n«~§ÜmZ Ûmam {HŸ`m J`m bo»mm n«mŠHŸbZ HŸr g_w{MVVm VÏmm {dËVr` {dda{Êm`m| HŸr g_J« n«ñVw{V HŸm _yë`m§HŸZ ämr ímm{_b h¡.

5. h_| {dídmg h¡ {HŸ h_mao Ûmam OwQmE JE bo»mmnarúmm gmú` h_mao bo»mmnarúmm _V HŸmo Xímm©Zo hoVw n`m©ßV VÏmm C{MV AmÜmma h¡.

am`

6. h_mar am` _| Am¡a h_mar gdm}Îm_ OmZH$mar Ed§ h_| {XE JE ñnîQrHŸaÊm VWm ~¢H$ H$s ~{h`m| _| Xem©E JE AZwgma :

i) ^maV _| gm_mÝ` êŸn go ñdrH¥$V bo»mmHŸaÊm Zr{V`mo| HoŸ AZwnmbZ H$aVo hþE,{Q>ßn{U`m| HoŸ gmW n[R>V VwbZ-nÌ, nyU© Ed§§ {Zîßmúm h¢, {Og_| Amdí`H$ g^r {ddaU {XE JE h¢ Am¡a Bgo ghr T>§J go V¡`ma {H$`m J`m h¡, Vm{H$ 31 _mM©, 2015 VH$ ~¢HŸ HoŸ HŸmamo~ma H$m ghr {Zînúm {MÍm Xem©`m Om gHoŸ$;

ii) ^maV _| gm_mÝ` ê$n go ñdrH¥$V bo»mmHŸaÊm Zr{V`m| HoŸ AZwnmbZ HŸaVo hwE, {Qßn{Êm`m| HoŸ gmÏm n{RV bm^-hm{Z bo»mm, bo»mm go g§~§{ÜmV df© _| A{O©V bm^ H$s ghr ímoîm am{ím Xem©Vm h¡; VWm

iii) ZH$Xr àdmh {ddaU, {ddaU H$s Ad{Y HoŸ {bE ZH$Xr àdmh H$m ghr Ed§ {Zîßmúm {MÌ Xem©Vm h¡.

103

7. _m_bo HŸm _hËd

AnZr am¶ {XE {~Zm, h‘ {ZåZ{b{IVm| na Ü¶mZ AmH${f©V H$aZm MmhVo h¢ :

(i) ZmoQ g§. 8(xii)(~r) _| ~Vm`m AZwgma EQrE_ dJ© {b»mVm| _| HoŸ {Zdoím go hmoZodmbo g_` HoŸ A§Va go CËnÝZ AmñÏm{JV HŸa Xo`Vm (SrQrEb) HoŸ ` 230 HŸamoS HoŸ {bE n«mdÜmmZ Zht {HŸ`m J`m h¡.

(ii) {dËVr` {ddaÊmm| HoŸ ZmoQ 8(vi) HoŸ AZwgma HŸ_©Mmar g§¿m HoŸ gmÏm 10dt {Ûnúmr` g_Âmm¡Vo HoŸ HŸmaÊm hmoZodmbr doVZ _| d¥{Õ HoŸ n«{V ~¢HŸ Zo ` 208 H$amoS HŸm n«mdÜmmZ {HŸ`m h¡, na§Vw BgHoŸ \ŸbñdêŸn J«¡À`wQr, n|ímZ Am¡a n«{VnyaHŸ AZwn{ñÏm{V Xo`Vm _| hmoZodmbr d¥{Õ HoŸ n«{V HŸmoB© {dímoîm n«mdÜmmZ Zht {HŸ`m J`m h¡. My§{HŸ doVZ HoŸ {d{ämÝZ g§¿mQHŸ Omo MMm©/{ZÜmm©aÊm HoŸ AÜmrZ h¡ Cggo g§~§{ÜmV d¥{Õ HŸm {ddaÊm CnbãÜm Zht h¡. A{V{aŠV n«mdÜmmZ HŸr am{ím A{Z`V h¡. ~¢HŸ HŸm _V h¡ {HŸ ~r_m§HŸHŸ _yë`m§HŸZ _| {dMma HŸr J`r doVZ d¥{Õ Bg d¥{Õ HŸmo n«md{aV HŸaZo hoVw n`m©ßV h¡.

(iv) {dËVr` {ddaÊmr HoŸ ZmoQ 8(vii) HŸr Amoa Ü`mZ AmHŸ{îm©V HŸaVo h¢ Omo ämmaVr` {aOd© ~¢HŸ Ûmam AnZo n{anÍm g§.Sr~rAmoSr.~rnr.~rgr/80/21.04.018/2010-11 HoŸ O{aE gmd©O{ZHŸ úmoÍm ~¢HŸm| HoŸ HŸ_©Mm{a`m| HoŸ {bE n|ímZ {dHŸën »mmobZo VÏmm J«¡À`yQr gr_m _| ~TmoËVar - {ddoHŸnyÊm© {d{Z`m_HŸ CnMma HoŸ \ŸbñdêŸn bo»mmHŸaÊm _mZHŸ (EEg) 15 HoŸ n«mdÜmmZm| HŸmo gmd©O{ZHŸ úmoÍm ~¢HŸm| HoŸ {bE bmJy HŸaZo _| ämmaVr` {aOd© ~¢HŸ Ûmam n«XmZ HŸr J`r NyQ HoŸ AZwHŸaÊm _| Mmby dîm© HŸmo ` 119 HŸamoS VHŸ ~¢HŸ HŸr n|ímZ VÏmm J«¡À`yQr Xo`Vm HoŸ A§{V_ {HŸíV HoŸ n«ämma HŸm {ddaÊm XoVm h¡. ämmdr Ad{Üm _| n«ämm{aV HŸaZo hoVw AmJo bmZo HoŸ {bE Am¡a HŸmoB© am{ím Zht h¡.

AÝ` {d{Üm ËmÏmm {d{Z`m_HŸ Amdí`HŸVmAm| na {anmoQ©

8. VwbZ-nÍm Am¡a bm^-hm{Z boIm, ~¢qH$J {d{Z`_ A{Üm{Z`_ 1949 H$s Vrgar AZwgyMr HoŸ \$m_© "E'd "~r' HoŸ AZwgma V¡`ma {H$`m J`m h¡.

9. Cn`w©ŠËm AZwÀNoX 1 go 5 VHŸ _| {Z{X©îQ bo»mm narúmm H$s gr_m HoŸ AYrZ Am¡a ~¢qH$J H§ŸnZr (CnH«$_m| H$m AO©Z Am¡a A§VaU) A{Üm{Z`_, 1980 H$s AnoúmmZwgma Am¡a gmW hr CZ ~mVm| HoŸ AYrZ, {OZHŸmo àH$Q> H$aZo na Bg A{Üm{Z`_ _| n«{V~§Üm bJm`m J`m h¡, Am¡a AmJo {ZåZ HoŸ AÜmrZ :

H$) h_Zo Eogr gmar OmZH$mar Ed§ ñnîQrHŸaÊm àmá {HŸE h¢, Omo {HŸ$ h_mar gdm}Îm_ OmZH$mar VWm {dídmg HoŸ AZwgma, bo»mm narúmm HoŸ {bE Amdí`H$ Wo Am¡a h_Zo CZHŸmo g§VmoîmOZHŸ nm`m h¡.

I) gaHŸmar {dämmJ VÏmm HŸmnmo©aoQ {ZHŸm`m| Ûmam »mmobo JE ~MV ~¢HŸ »mmVm| HoŸ {gdm` ~¢HŸ HoŸ Omo boZ-XoZ h_mar OmZH$mar _| AmE h¢, do ~¢HŸ HoŸ A{ÜmHŸmam| HoŸ A§Xa h¢.

J) ~¢H$ Ho$ H$m`m©b` Am¡a emImAm| go àmá {dda{Êm`m±, h_mar bo»mm narúmm HoŸ {bE n`m©ßV nm`r JB© h¢.

10. h_mar am` _| VwbZ nÌ, bm^ d hm{Z ImVm VWm ZH$X àdmh {ddaU bmJy bo»mmHŸaÊm _mZX§S>m| H$m AZwnmb H$aVo h¢.

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gXñ`Vm g§.024105

ñÏmmZ : ~|Jbyé{XZm§HŸ : 12.05.2015

104

31 _mM© 2015 HŸmo ~ogb n«H$QrH$aU XñVmdoμOVm[bHŸm SsE\Ÿ - 1 Omo ~¢H$ g‘yh BH$mB¶m± àH$Q>Z na h¢, ~¢HŸ HoŸ {bE bmJy Zht.

Vm[bHŸm SsE\Ÿ - 2ny§Os n`m©ßVVm

JwUmË_HŸ àHŸQsHŸaU

(HŸ) dV©_mZ VWm ^[dî` HŸs J[V[d[Y`mo§ HoŸ g_W©Z HoŸ [bE ~¢HŸ HŸr AnZs ny§Os n`m©ßVVm HoŸ [ZYm©aU HŸs nÕ[V na MMm© HŸm gmam§e

ämm{a~¢ HoŸ {ZXoímmZwgma, h_mao ~¢HŸ Zo 31.03.2009 go n«ämmdr F$$U Omo{»m_ HoŸ {bE "_mZHŸrHŸaÊm Ñ{îQHŸmoÊm', ~mμOma Omo{»m_ HoŸ {bE "_mZHŸrHŸaÊm Ad{Üm Ñ{îQHŸmoÊm' VÏmm n{aMmbZ Omo{»m_ HoŸ {bE "_yb g§HoŸV Ñ{îQHŸmoÊm' AnZm`m h¡. _m¡OyXm VÏmm äm{dî` HoŸ {HŸ«`mHŸbmnm| HoŸ g_Ïm©Z hoVw A{V{aŠV ny§Or {ZÜmm©aÊm HoŸ {bE ~¢HŸ V¡`ma HŸr JB© AmB©grEEnr¶o Zr{V HŸmo AnZmVm h¡. HŸmamo~ma HoŸ äm{dî` HŸr d¥{Õ HŸmo Ü`mZ _| a»mVo hwE gVV AmÜmma na {Z`m_HŸ Ý`yZV_ go A{ÜmHŸ n`m©ßV ny§Or HoŸ a»m-a»mmd hoVw AmB©grEEnr HŸr AÜm© dm{îm©HŸ AmÜmma na g_rúmm HŸr OmVr h¡.

n[a_mUmË_HŸ àHŸQsHŸaU (` HŸamoSm| _|)(»m) ~ogb-II d ~ogb-III HoŸ AÜmrZ F$$U Omo[I_ HoŸ [bE ny§Os Amdí`HŸVmE±

_mZHŸ nÕ[V HoŸ AYsZ g§[d^mJ ` 6133.17 (AÝ` Am{ñV`m± g{hV VÏmm n«{VêŸn nmQr© Aa{úmV {dXoímr _wÐm Omo{»m_)

à[V^y[VHŸaU Omo{»m_ HwŸN Zht - My§{HŸ n«{Vämy{VHŸaÊm HoŸ A§VJ©V ~¢HŸ HŸm HŸmoB© Omo{»m_ Zht h¡.(J) ~mμOma Omo[I_ _mZHŸrHŸaÊm Ad{Üm Ñ{îQHŸmoÊm

HoŸ [bE ny§Os Amdí`HŸVmE± ~ogb-II HoŸ AÜmrZ ` 496.59

ã`mO Xa Omo[I_ ` 456.62[dXoes [d[Z_` Omo[I_ ` 1.35B©pŠdQs Omo[I_ ` 38.62

~ogb-III HoŸ AÜmrZ* ` 491.86ã`mO Xa Omo[I_ ` 451.89[dXoes [d[Z_` Omo[I_ ` 1.35B©pŠdQs Omo[I_ ` 38.62

* ` 451.89 H$amoS> n«{VÜmm[aVm g‘m¶moOZ HoŸ ~mX (¿m) n[aMmbZ Omo[I_ HoŸ [bE ny§Os Amdí`HŸVmE±-

_yb gyMHŸ nÕ[V ~ogb-II d ~ogb -III

~ogb-II ~ogb-III

Amdí`HŸ ny§Or Ý`yZV_ ny§Or Amdí`HŸVm 7010.11 7005.38 a»mr J`r ny§Or ny§Or {Z{Üm

(`Ïmm 31.03.2015 HŸmo)9111.06 8895.16

* n«{VÜmmaÊm n«{Vny{V© HoŸ ~mX ~ogb-III HoŸ AÜmrZ Ý`yZV_ ny§Or Amdí`HŸVm(L) HwŸb VWm [Qà 1 ny§Os AZwnmV

ímrîm© g_o{HŸV g_yh HoŸ {bE ~ogb-II ~ogb-III

_hËdnyU© ~¡§HŸ AZwf§[J`mo§ HoŸ [bE grAmaEAma `Ïmm 31.03.2015 HŸmo 11.70% 11.43%

gm_mÝ` B©{ŠdQr {Qà 1: - 7.60%

[Qà 1 ny§Os: 8.25% 8.24%

[Qà 2 ny§Os: 3.45% 3.19%

bmJy Zht, My§{HŸ h_mao ~¢HŸ HŸr HŸmoB© ghm`HŸ g§ñÏmm Zht h¡.

105

Vm[bHŸm SsE\Ÿ - 3

F$U Omo[I_ - gm_mÝ` àHŸQsHŸaU


(HŸ) F$U Omo[I_ HoŸ g§~§Y _o§ gm_mÝ` JwUmË_HŸ

àHŸQsHŸaU [Og_o§ em[_b h¡

A[VXo` VWm AZO©HŸ HŸs n[a^mfm

(boImHŸaU HŸm`© HoŸ [bE)

~¡§HŸ HŸs F$U Omo[I_ à~§YZ Zs[V na MMm©

~¢HŸ HŸr F$Êm Omo{»m_ n«~§ÜmZ n«{HŸ«`m, EHŸ _μO~yV n«Êmmbr, HŸm`©nÕ{V`m§ VÏmm Zr{V na MbVr h¡. Ohm± _§Sb HoŸ {ZXoímHŸ d Omo{»m_ n«~§ÜmZ g{_{V {ZXoím XoVr h¡ dht AÜ`úm Ed§ n«~§Üm {ZXoímHŸ Ûmam g§Mm{bV F$Êm Omo{»m_ n«~§ÜmZ g{_{V CgHŸm HŸm`m©Ýd`Z gw{Z{íMV HŸaVr h¡.

F$Êm Omo{»m_ n«~§ÜmZ, g§nm{íd©HŸ n«~§ÜmZ VÏmm F$Êm Omo{»m_ Cnímm_HŸ (grAmaE_) Xa {ZÜmm©aÊm Am{X HoŸ {bE Zr{V {Xímm{ZXo©ím V¡`ma {HŸò JE h¢ {Og_| CÔoí`, Jw§OmBím VÏmm Omo{»m_ {anmoQ© HŸaZo HŸm ñdêŸn, CgHŸr _mn n«Êmm{b`m±, Zr{V`m±, grAmaE_ HoŸ μO{aE Omo{»m_ HŸm {Z`§{ÍmV/HŸ_ HŸaZo hoVw AnZmB© OmZodmbr aÊmZr{V`m±, n«{HŸ«`mË_HŸ HŸX_, Cnímm_HŸ HoŸ {Za§Va n«ämmd HoŸ {bE {dHŸmg, g§drúmm VÏmm n`©doúmÊm `§Ím HoŸ ~mao _| {dñV¥V OmZHŸmar Xr J`r h¡.

~ogb II _mZX§Sm| HoŸ CÀMVa Ñ{îQHŸmoÊm VHŸ OmZo HoŸ {bE ~¢HŸ Zo F$Êm Omo{»m_ {ZÜmm©aÊm, F$Êm Omo{»m_, ~mμOma Omo{»m_, n{aMmbZ Omo{»m_, EEbE_ VÏmm E\ŸQrnr HoŸ N: g_mÜmmZm| HoŸ _mÜ`_ go EHŸrHŸaÊm Omo{»m_ n«~§ÜmZ HŸm HŸm`m©Ýd`Z AnZm`m h¡.

_mZX§S na ~¡¢H$ H$r Zr{V AmB©AmaEgr (Am` {ZÜmm©aÊm VÏmm Am{ñV dJr©HŸaÊm) ämmaVr` {aμOd© ~¢HŸ Ûmam g_`-g_` na Omar g§ímmo{ÜmV {Xímm{ZXo©ímm| HoŸ AmÜmma na h¡. Am{ñV`m| HŸmo {ZînmXHŸ VÏmm J¡a {ZînmXHŸ Am{ñV`m| HoŸ êŸn _| dJr©HŸaÊm HŸaZo hoVw 90 {XZm| HoŸ MyHŸ _mZX§S AnZm`m OmVm h¡. AmB©AmaEgr HoŸ g§nyÊm© Am§HŸSo bo»mm narúmm HoŸ AÜmrZ h¡. _mZHŸ Am{ñV ({ZînmXHŸ) VÏmm J¡a {ZînmXHŸ Am{ñV XmoZm| na {ZÜmm©{aVmZwgma n`m©ßV n«mdÜmmZ {HŸ`m J`m h¡. BgHoŸ Abmdm nwZa©{MV Am{ñV`m| HoŸ {bE ~¢HŸ Zo gm_mÝ` AñÏmmB© n«mdÜmmZ VÏmm A{V{aŠV n«mdÜmmZ gw{Z{íMV {HŸ`m h¡.

AZO©HŸ Am{ñV`m| HŸr n{aämmîmm (bo»mmHŸaÊm CÔoí` HoŸ {bE)

HŸmoB© Am{ñV J¡a {ZînmXHŸ V~ ~ZVr h¡ O~ Cggo ~¢HŸ HŸmo HwŸN Am` n«mßV Z hmo O¡go (HŸ) O~ F$Êm HŸm ã`mO d/`m {HŸñV $"A{VXo`' ~ZVm h¡ (*) _r`mXr F$Êm HoŸ g§~§Üm _| 90 {XZm| HoŸ A{ÜmHŸ HŸr Ad{Üm HoŸ {bE (»m) »mmVm V~ "AmCQ Am\Ÿ AmS©a' ~ZVm h¡ O~ dh (#) ZHŸX F$Êm O¡gr n{aMmbZ gr_mAm| HoŸ g§~§Üm _| 90 {XZm| VHŸ An«M{bV hmo (J) »marXo JE {~b/ämwZmE JE {~b HoŸ g§~§Üm _| `{X {~b "A{VXo`' ~Z OmVo h¢ (¿m) {HŸgr ämr {V_mhr _| n«ämm{aV ã`mO HŸmo {V_mhr HoŸ A§V go 90 {XZm| HoŸ A§Xa dgyb Z {HŸ`m J`m h¡ (L) Aënmd{Üm \Ÿgb F$Êmm| HoŸ _m_bo _| _yb am{ím HŸm {HŸíV `m Cg na ã`mO Xmo \Ÿgb _m¡g_m| HoŸ {bE A{VXo` hmo VÏmm Xr¿mm©d{Üm \Ÿgb F$Êmm| HoŸ _m_bo _| _yb am{ím HŸm {HŸíV `m Cgna ã`mO EHŸ \Ÿgb _m¡g_ _| A{VXo` ahVm hmo (M) O~ J¡a {Z{Üm AmÜmm{aV am{ím`m| HoŸ n{aÊm{V HŸr Vmar»m go 90 {XZ g_mßV hmoZo na.

* ‘A{VXo`’ HŸm VmËn`© h¡ {HŸgr F$Êm gw{dÜmm HoŸ AÜmrZ ~¢HŸ HŸmo Xo` HŸmoB© am{ím, `{X dh Xo` {Z`V {XZm§HŸ HŸmo `m J¡a {Z{Üm AmÜmm{aV am{ím HoŸ n{aÊmV hmoZo na ämwJVmZ Zht {HŸ`m OmVm.

· "AmCQ Am\Ÿ AmS©a' HŸm VmËn`© h¡ ~HŸm`m ímoîm _§Oya gr_m/AmhaÊm A{ÜmHŸma go {Za§Va êŸn go A{ÜmHŸ ahVm h¡ `m 90 {XZ {Za§Va êŸn go Amdí`HŸ am{ím O_m Zht HŸr J`r `m 90 {XZm| go nhbo Zm_o Smbm J`m ã`mO HŸmo n«md{aV HŸaZo hoVw »mmVo _| HŸm\Ÿr O_m Z hmo Vmo.

~¢HŸ H$s F$Êm Omo{»m_ n«~§ÜmZ Zr{V na MMm© :

~¢HŸ Zo EHŸ ì`mnHŸ F$Êm Omo{»m_ n«~§ÜmZ Zr{V HŸm gyÍmnmV {HŸ`m h¡ VÏmm F$Êm Omo{»m_ n«~§ÜmZ g{_{V, ~ogb II HŸm`©HŸmar g_yh Am{X O¡gr {d{ämÝZ g{_{V`m| HŸmo J{RV {HŸ`m h¡ Vm{HŸ HŸB© n«~§ÜmZ VHŸZrHŸm| HŸmo gwÜmmam Om gHoŸ {Oggo F$Êm Omo{»m_ na n«{VHyŸb n«ämmd SmbZodmbo ~mø VÏmm Am§V{aHŸ ¿mQHŸm| HŸmo {hgm~ _| boVo hwE F$Êm Omo{»m_m| HŸr nhMmZ, _mnZ, g§drúmm d {Z`§ÍmÊm HŸaZo _| ~¢HŸ HŸmo _XX {_bo. ~¢HŸ Zo Omo{»m_ n«~§ÜmZ Zr{V`m± VÏmm CÜmma Zr{V HŸmo Am¡a gwMmêŸ ~Zm`m h¡. Bg_| F$Êm _yë`m§HŸZ Zm_ O¡go ~|M_mH©Ÿ/n«_w»m {dËVr` g§HoŸVHŸm| na amoHŸ AZwnmV,Am§V{aHŸ A{ÜmHŸV_ gr_m, ~Sμo F$Êm n«ñVmd HoŸ {bE {ddoHŸnyÊm© _mZX§S, F$Êm g§HoŸÐrHŸaÊm,

106

F$Êm g_rúmm g§`§Ím/F$Êm bo»mm narúmm, CÀM _yë` CÜmma »mmVm| (ì`mnHŸ F$Êm g§drúmm {anmoQ©) HŸr {dímoîm g_rúmm, Omo{»m_, g§H|ŸÐrHŸaÊm/ Omo{»m_ Xa {ZÜmm©aÊm HoŸ AmÜmma na AZwdrúmÊm d bmJV {ZÜmm©aÊm VÏmm Omo{»m_ Xa {ZÜmm©aÊm HoŸ AmÜmma na g_rúmm ímm{_b h¡ VÏmm Bg_| g_yh, Xa {ZÜmm©aÊm Am¡a g§doXZímrb úmoÍm O¡go ny§Or ~mμOma, ämy g§nXm VÏmm nÊ` úmoÍm HoŸ {bE Omo{»m_ CÀMV_ gr_m ämr n«md{aV h¡. ~¢HŸ HŸr ì`mnHŸ dgybr Zr{V ämr V¡`ma HŸr J`r h¡ VÏmm g_`-g_` na g§ímmo{ÜmV {HŸ`m J`m h¡.

n[a_mUmË_HŸ àHŸQsHŸaU gHŸb F$Êm Omo{»m_ :

(»m) gHŸb F$Êm Omo[I_ - [Z[Y AmYm[aV d J¡a

[Z[Y AmYm[aV

{Z{Üm AmÜmm{aV gHŸb F$Êm : ` 87691.54 HŸamoS

{Zdoím : ` 30186.63 HŸamoS

AÝ` Am{ñV`m§ : ` 11612.08 HŸamoS

J¡a {Z{Üm AmÜmm{aV ~rOr/Ebgr : ` 7568.84 HŸamoS

ì`wËnÝZ VÏmm grgrAmBEb/E_grEŠg

: ` 3893.61 HŸamoS

AZmh{aV : ` 10579.83 HŸamoS

HwŸb : ` 151532.53 HŸamoS

(J) F$Êm Omo{»m_ HŸm ämm¡Jmo{bHŸ g§{dVaÊm - {Z{Üm

AmÜmm{aV d J¡a {Z{Üm AmÜmm{aV AbJ-AbJ

g_wÐnmas` g_wÐnmar`: {Z{Üm AmÜmm{aV d J¡a {Z{Üm AmÜmm{aV: HwŸN Zht

Xoes Xoímr :

{Z{Üm AmÜmm{aV gHŸb F$Êm : ` 87691.54 HŸamoS

{Zdoím : ` 30186.63 HŸamoS

AÝ` Am{ñV`m§ : ` 11612.08 HŸamoS

J¡a {Z{Üm AmÜmm{aV ~rOr/Ebgr : ` 7568.84 HŸamoS

ì`wËnÝZ VÏmm grgrAmBEb/E_grEŠg : ` 3893.61 HŸamoS

AZmh{aV : ` 10579.83 HŸamoS

HwŸb : ` 151532.53 HŸamoS

gHŸb F$Êm, EZE\Ÿ~r VÏmm EMQrE_ {Zdoímm| HŸm ämm¡Jmo{bHŸ-dma g§{dVaÊm {ZåZmZwgma h¡ :

(` HŸamoSm| _| )amÁ` gHŸb F$Êm J¡a-{Z{Üm

AmÜmm{aVEMQrE_ {Zdoím HwŸb

A§X_mZ d {ZHŸmo~ma 39 3 0 43

Am§Ü«m n«Xoím 2048 75 100 2223

AéÊmmMb n«Xoím 99 8 0 107

Ag_ 228 34 0 262

{~hma 146 13 36 195

M§SrJT 183 18 0 201

NËVrgJT 217 35 44 295

XmXam VÏmm ZJa hdobr 8 0 0 8

{Xëbr 12874 1168 27046 41088

Jmodm 146 3 0 148

JwOamV 3675 358 383 4417

h{a`mÊmm 1868 30 51 1949

{h_mMb n«Xoím 36 1 43 80

Oå_w d HŸí_ra 12 1 56 69

107

(` HŸamoSm| _| )amÁ` gHŸb F$Êm J¡a-{Z{Üm

AmÜmm{aVEMQrE_ {Zdoím HwŸb

Âmma»m§S 94 10 0 105HŸZm©QHŸ 21263 798 544 22605HoŸab 2626 36 157 2819_Ü` n«Xoím 494 21 38 553_hmamîQ— 23239 3436 439 27115_{Êmnwa 32 1 10 43_o¿mmb` 90 15 18 123{_Omoa_ 50 2 0 52ZmJmb¢S 83 2 0 85AmoSrgm 159 13 0 172nm§{SMoar 68 2 0 71n§Om~ 1000 10 172 1183amOñÏmmZ 2110 47 109 2267{g{ŠHŸ_ 13 1 0 14V{_bZmSw 5520 471 775 6766Vob§JmÊmm 4172 523 0 4695{Ìnwam 27 8 0 35CËVa n«Xoím 2520 107 79 2707CËVam§Mb 82 1 0 83n{íM_ ~§Jmb 2466 317 87 2869HwŸb 87692 7569 30187 125447n«ÜmmZ HŸm`m©b` ñVa na AÝ` Am{ñV`m| VÏmm ì`wËnÝZm| HŸm AZwaúmÊm {HŸ`m OmVm h¡.

(` HŸamoSm| _| )(¿m) F$Êm HŸm CÚmoJdma g§{dVaÊm G$U H$m CÚmoJdma g§{dVaU

CÚmoJ G$UDŸOm© 15392.94n{adhZ 5065.75g§Mma 664.65gm_m{OHŸ d dm{Êm{Á`HŸ ~w{Z`mXr godmE§ 2423.56nmZr d ñdÀNVm 434.21

BñnmV VÏmm B§{OZr`{a§J CÚmoJ 4074.29{g_|Q CÚmoJ 123.27dñÌ CÚmoJ 679.46A_yë` aËZ VÏmm AmämyîmÊm 357.54BboŠQ—m°{ZŠg 715.71MrZr CÚmoJ 183.62{a\ŸmBZar 165.47Aë`y{_Zr`_ 654.25Am°Qmo_mo~mBb VÏmm Am°Qmo nwOo© 123.21{Z_m©Êm 2213.79\Ÿm_m©ñ`y{QHŸëg 250.89H¥Ÿ{îm AmÜmm{aV 48.45{S{ñQbar 293.25AÝ` CÚmoJ 29.13Hw$b 33893.44

108

(L) `Wm 31.03.2015 HŸmo AmpñV`m| HŸm Ad{ímîQ g§{dXmJV n{anŠdVm ~«oHŸSmCZ (` HŸamoSm| _| )

Ad{Üm 1 [XZ 2-7 [XZ

8-14 [XZ

15-28 [XZ

29 [XZ- 3 _hsZo

3 _hsZmo§ go 6 _hsZo

VHŸ

6 _hsZmo§ go 12 _hsZo

VHŸ

1 df©© go A{ÜmHŸ d 3 df©© VHŸ

3 df©© go A{ÜmHŸ d 5

df©© VHŸ

5 dfmoª go A{ÜmHŸ

HwŸb

E\Ÿ.gr. AmpñV`m± 133.40 246.61 5.94 98.79 60.25 84.87 11.81 0.00 0.00 0.00 641.67

A[J«‘ 1065.50 672.56 953.44 1315.03 6883.28 4620.68 5236.40 43900.47 10981.87 11066.64 86695.87

[Zdoe 224.22 220.42 323.84 309.79 1727.57 1467.85 2372.55 8056.27 9217.50 20602.08 44522.09

31.03.2015 HŸr {ñÏm{V (` HŸamoSm| _| )(M) EZnrE HŸr am{ím (gHŸb) 2443.21

Ad_mZHŸ 1128.34

g§[X½Y 1 642.11

g§[X½Y 2 656.27

g§[X½Y 3 16.31

hm[Z 0.18(N) [Zdb EZnrE 1659.81(O) EZnrE AZwnmV

gHŸb A[J«_ HoŸ n«{V gHŸb EZnrE 2.78%

[Zdb A[J«_ HoŸ n«{V {Zdb EZnrE 1.92%(Âm) EZnrE HŸm CVma-M‹Tmd (gHŸb)

AWeof$ 1985.86

n[adY©Z 2826.85

HŸQm¡[V`m± 2369.50

B[Veof$ 2443.21EZnrE HŸm CVma-M‹Tmd ({Zdb)

AWeof$ 1262.37

n[adY©Z 397.44

HŸQm¡[V`m± 0.00

B[Veof$ 1659.81(Äm) EZnrE hoVw n«mdÜmmZ HŸm CËma-MTμmd

AWeof$ 709.92

Ad{Üm HoŸ Xm¡amZ [HŸE JE àmdYmZ 836.07

~Åo ImVm SmbZm 776.24

A[V[aº àmdYmZmo§ HŸm à[VboIZ 0.00

B[Veof$$ 769.75({ZnQ>mE§ Am¡a ^wJVmZ Ho$ {bE b§{~V S>rAmB©grOrgr / B©grOrgr Xmd| ` 11.77 HŸamoS; EZnrE ‘| àmá Am§{eH$ ^wJVmZ {Ogo D$M§V ImVo ‘| aIm J¶m - ` 1.87 HŸamoS d ã¶mO CM§V Ho$ AYrZ Ym[aV eof ` 0.01 HŸamoS)

(Q) J¡a-[ZînmXZ [Zdoemo§ HŸs am[e (EMQrE_ loÊmr HoŸ AÜmrZ) 9.25(R) J¡a-{ZînmXHŸ {Zdoímm| na ‘yë¶èhmg HoŸ [bE àmdYmZmo§ HŸs am[e (EZnrAmB©) 17.09

(S) J¡a-{ZînmXHŸ [Zdoemo§ (EZnrAmB©) na ‘yë¶èhmg HoŸ [bE àmdYmZmo§ HŸm CVma-M‹TmdAWeof 12.47

Ad{Üm HoŸ Xm¡amZ [HŸE JE àmdYmZ 4.62

~Åo ImVm SmbZm 0.00

A[V[aº àmdYmZmo§ HŸm à[VboIZ 0.00

B[Veof 17.09

109

Vm[bHŸm SsE\Ÿ - 4

F$U Omo[I_ - _mZHŸsHŸaU X¥pîQHŸmoU HoŸ AYsZ g§[d^mJmo§ HoŸ [bE àHŸQsHŸaU


(HŸ) _mZHŸsHŸaU X¥pîQHŸmoU HoŸ AYsZ g§[d^mJmo§ HoŸ [bE:

à`wº F$Êm HŸm XOm©[ZYm©aU EOo§gs HoŸ Zm_ VWm n[adV©Z HoŸ [bE HŸmaU ~¢HŸ Zo ämm{a~¢ Ûmam AZw_mo{XV ~mø F$Êm ao{Q§J EO|{g`m| O¡go grAmaAmB©EgAmB©Eb/AmB©grAmaE/E\ŸAmB©QrgrEM/EggrEAmaB©/EgE_B©AmaE/{~«HŸdH©Ÿ HoŸ hr Xa {ZÜmm©aÊmm| HŸm Cn`moJ {HŸ`m h¡. ~mø Xa {ZÜmm©aÊm n«{HŸ«`m HŸmo gw{dÜmmOZHŸ ~ZmZo VÏmm AnZo {Zdoím HoŸ {bE J«mhHŸm| HŸmo ~mø Xa {ZÜmm©aÊm HŸr _m±J HŸaZo `mo½` ~ZmZo hoVw ~¢HŸ Zo BZ {ZÜmm©aÊm EO|{g`m| HoŸ gmÏm EHŸ AbJ go g_Âmm¡Vm HŸama {HŸ`m h¡.

F$Êm Omo[I_ HoŸ àHŸma [OZHoŸ [bE àËòHŸ EoOo§gs HŸm à`moJ [HŸ`m OmVm

h¡.

` 5 HŸamoSμ go A{ÜmHŸ gämr HŸmnmo©aoQ F$Êm Omo{»m_ VÏmm gmd©O{ZHŸ úmoÍm BHŸmB`m|

HŸmo F$Êm Omo{»m_.

gmd©O{ZHŸ {ZJ©_ aoqQJ HŸmo ~¡§qHŸJ ~hs _o§ VwbZm `mo½` AmpñV`mo§ HoŸ

A§VaU hoVw Cn`moJ _o§ bmB© J`s à[HŒŸ`m HŸm [ddaU

~¢HŸ Zo HoŸdb CZ ~¢HŸ Xa {ZÜmm©aÊmm| HŸm Cn`moJ {HŸ`m h¡ Omo gmd©O{ZHŸ Smo_oZ _| CnbãÜm h¡. BgHoŸ Abmdm ~¢HŸ Zo HŸmoB© gmd©O{ZHŸ {ZJ©_ ao{Q§J HŸm Cn`moJ Zht {HŸ`m h¡.

n[a_mUmË_HŸ àHŸQsHŸaU

(I) _mZHŸsHŸaU X¥pîQHŸmoU HoŸ A§VJ©V Omo[I_ Ý`yZsHŸaU HoŸ níÀmmV F$Êm Omo[I_

HŸs am[e`mo§ HoŸ [bE [ZåZ[b[IV VsZ à_wI Omo[I_ g_yhmo§ Am¡a HŸQm¡Vs HŸs

J`s Omo[I_ am[e _o§ ~¡§HŸ HŸs ~HŸm`m am[e`m± (aoqQJ g[hV Am¡a aoqQJ a[hV)

F$Êm Omo{»m_ ** (` HŸamoSm| _|)

100% Omo[I_ ^ma go ZsMo 97409.16

100% Omo[I_ ^ma 35047.27

100% go A[YHŸ Omo[I_ ^ma 10722.50

HŸQm¡Vs HŸs J`s - {dËVr` g§nm{íd©HŸ 8353.60

HwŸb 151532.53

** _o§ {ZåZ{b{IV VwbZ nÌ HoŸ ~mø Omo{I_ ^r em{_b h¡

EZE\$~r Omo{I_ ` 7568.84 HŸamoS

AZmh{aV A§e ` 10579.83 HŸamoS

grgrAmB©Eb d E_grEŠg ` 302.35 HŸamoS

EZE\Ÿ~r {Zdoím ` 3591.26 HŸamoS

AÝ` Am{ñV`m± ^r em{‘b h¢ ` 11612.08 HŸamoS

110

Vm[bHŸm SsE\Ÿ - 5

F$Êm Omo[I_ Ý`yZsHŸaU : - _mZHŸsH¥ŸV nÕ[V HoŸ A§VJ©V àHŸQZ


(HŸ) F$Êm Omo[I_ Ý`yZsHŸaU HoŸ g§~§Y _o§ gm_mÝ` JwUmË_HŸ àHŸQsHŸaU _o§ [ZåZ em[_b h¡§ :

VwbZ nÍm HŸr {Zdb AdÜmmaÊmm _| VÏmm CgHoŸ ~mha ~¢HŸ Ûmam Cn`moJ HŸaZo HŸr gr_m VHŸ VÏmm Zr{V VÏmm n«{HŸ«`m HoŸ {bE

ämmaVr` {aμμOd© ~¢HŸ Ûmam ~ogb II A§{V_ {Xímm{ZXo©ímm| _| gy{MVmZwgma F$Êm Omo{»m_ HŸmo HŸ_ HŸaZo HoŸ {bE gm_mÝ` {gÕm§V O¡go {d{ímîQ J«hÊmmÜmrHŸma a»mZm, Amdí`H$ Ý`yZV_ _m{O©Z {ZÜmm©aÊm, _yë`m§HŸZ, d¡{ÜmHŸ {Z{íMVVm, n«bo»mrHŸaÊm, Amd{ÜmHŸ {ZarúmÊm, gwbäm VabVm Am{X HŸm Cn`moJ {HŸ`m J`m h¡. _wÐm ~o_ob VÏmm n{anŠdVm ~o_ob HoŸ {bE g_m`moOZ g{hV gämr {ZÜmm©{aV _m{O©Z {bE JE h¢. Omo{»m_ ämm{aVm HŸmo g_ZwXo{ímV HŸaZo go nhbo F$Êm Omo{»m_ go CnbãÜm {dËVr` g§nm{íd©HŸm| HŸmo g_m`mo{OV {HŸ`m OmVm h¡. F$Êm Omo{»m_ Ý`yZrHŸaÊm HoŸ n«ämmd H$m Xwhar bo»mmHŸaÊm Zht {HŸ`m OmVm h¡.

g§nm[œ©HŸ _yë`m§HŸZ Am¡a à~§YZ HoŸ [bE Zs[V`m± Am¡a à[HŒŸ`mE±.

grAmaE_ HoŸ CÔoí` HoŸ {bE {dËVr` g§nm{íd©HŸ _| ~¢HŸ HŸr AnZr gmd{Üm O_mam{ím, ZHŸX _m{O©Z, OrdZ nm°{bgr, EZEggr, HoŸdrnr, 99.99 ímwÕVm AmÜmma HŸm gmoZm ímm{_b h¡.

~¡§HŸ Ûmam br J`r _w»` àHŸma HŸs g§nm[œ©HŸ à[V^y[V`mo§ HoŸ [ddaU

Jma§Qr {XE JE F$Êm Omo{»m_ _| H|ŸÐ/amÁ` gaHŸma, B©grOrgr ~¢HŸ Am¡a grOrEgQrE_B© Ûmam Jma§Qr ímm{_b h¡.

n«{Vnúmr Jma§QrHŸVm© HŸm _w»` n«HŸma VÏmm CZHŸr F$Êm nmÍmVm

grAmaE_/Jma§Qr {XE JE F$Êm Omo{»m_ {HŸgr ämr ~mμOma CVma-MTmd HoŸ AÜmrZ Zht h¡ VÏmm ò F$Êm Omo{»m_ {d{dÜmH¥ŸV h¢.

Omo[I_ Ý`yZsHŸaU _Xmo§ HoŸ A§VJ©V A[YHŸ Omo[I_ (~mμOma `m F$Êm) g§~§Ys gyMZm

n{a_mÊmmË_HŸ n«HŸQrHŸaÊm (` HŸamoSm| _|)

(»m) n«ËòHŸ AbJ go n«HŸQ {HŸE JE F$Êm Omo{»m_ g§{dämmJ HoŸ

{bE HwŸb F$Êm Omo{»m_ (VwbZ nÍm HŸr {Zdb AdÜmmaÊmm

_| VÏmm CgHoŸ ~mha Ohm§ HŸht bmJy hmoZo HoŸ ~mX) Omo {HŸ

_m{O©Z bmJy HŸaZo HoŸ ~mX nmÍm {dËVr` g§nm{íd©HŸ Ûmam

n«md{aV

(AÝ¶ AmpñV¶m| H$o E³nmoOa H$mo N>moS>H$a : ` 11612.08 HŸamoS)

F$Êm E³gnmoOa F$Êm d

A{J«_ **

J¡a-{Z{Üm

AmÜmm{aV

{Zdoím * HwŸb

E³gnmoOa 98271.37 7568.84 34080.24 139920.45

grAmaE_ ({dËVr`

g§nm{íd©HŸ)

7495.21 167.50 0.00 7662.71

{Zdb F$Êm Omo{»m_ 90776.16 7401.34 34080.24 132257.74

(J) n«ËòHŸ AbJ go n«HŸQ {HŸE JE g§{dämmJ HoŸ {bE HwŸb F$Êm

Omo{»m_ (VwbZ nÍm HŸr {Zdb AdÜmmaÊmm _| VÏmm CgHoŸ

~mha Ohm§ HŸht bmJy hmoZo HoŸ ~mX) Omo {HŸ Jma§Qr/F$Êm

ì`wËnÝZ Ûmam n«md{aV (O~ HŸämr ämm.{a.~¢. Ûmam {dímoîm êŸn

go AZw_V)

(AÝ¶ AmpñV¶m| H$o E³nmoOa H$mo N>moS>H$a : ` 11612.08

HŸamoS)

* VwbZ nÍm HoŸ ~mø Omo{»m_ g{hV

** AZmh{aV g{hV

(` HŸamoSm| _|)

Jma§Qr H$s pñW{V F$Êm d

A{J«_ **

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#

HwŸb

E³gnmoOa 98271.37 7568.84 34080.24 139920.45

H|ŸÐ/amÁ` gaHŸma 7539.02 0.00 26385.60 33924.62

B©grOrgr/~¢HŸ/

grOrQrEgAmB©

2839.93 0.00 0.00 2839.93

HwŸb Jma§Qr 10378.95 0.00 26385.60 36764.55

{Zdb E³gnmoOa 87892.42 7568.84 7694.64 103155.90

# Bg_| H|ŸÐ/amÁ` gaHŸma Ûmam Omar ~m§S/n«nÍm VÏmm/`m H|ŸÐ gaHŸma Ûmam Jma§Qr ímm{_b h¡.

_mZHŸrH¥ŸV nÕ{V ({Z{Üm d J¡a{Z{Üm AmÜmm{aV) HoŸ AÜmrZ F$Êm Omo{»m_ g§{dämmJ HoŸ {bE, HwŸb nmÍm {dËVr` g§nm{íd©HŸ HŸm n{aHŸbZ _m{O©Z, Ohm§ HŸht bmJy hmo, HoŸ ~mX {HŸ`m OmVm h¡.

111

Vm[bHŸm SsE\Ÿ - 6à[V^y[VHŸaU

_mZHŸsH¥ŸV à[HŒŸ`m hoVw àHŸQsHŸaU

~¢HŸ Zo 31.03.2015 HŸmo g_mßV AÜm©-dîm© HoŸ Xm¡amZ ~¢{H§ŸJ ~hr `m Q—o{S§J ~hr _| {HŸgr ämr Am{ñV HŸm n«{Vämy{VHŸaÊm Zht {HŸ`m h¡.

Vm[bHŸm SsE\Ÿ - 7

ì`mnma ~hs _o§ ~mOma Omo[I_JwUmË_HŸ àHŸQsHŸaU(HŸ) _mZHŸsH¥ŸV nÕ[V Ûmam àmd[aV g§[d^mJ g[hV ~mOma Omo[I_ HoŸ [bE gm_mÝ` JwUmË_HŸ àHŸQsHŸaU HŸr Amdí`HŸVm

~mOma Omo{»m_ ã`mO Xa, B©{ŠdQr _yë`, {dXoímr _wÐm, nÊ` _yë` _| ~mOma MbZ HŸr dOh go g§ämm{dV Omo{»m_ h¡.

~ogb-II _| ~mOma Omo{»m_ HoŸ {bE Xmo nÕ{V`m| HŸm n«ñVmd h¡ `Ïmm _mZHŸrH¥ŸV Ad{Üm n«{HŸ«`m VÏmm Am§V{aHŸ _m°Sb n«{HŸ«`m. g§n«{V ~¢HŸ Zo "_mZHŸrH¥ŸV Ad{Üm n«{HŸ«`m' bmJy {HŸ`m h¡ VÏmm Am§V{aHŸ _m°Sb n«{HŸ«`m bmJy HŸaZo Om ahm h¡. _mZHŸrH¥ŸV Ad{Üm n«{HŸ«`m _| {ZåZ {dímoî mVmE§ h¢.

1. _mZHŸrH¥ŸV n«{HŸ«`m HoŸ AÜmrZ ny§Or Anoúmm HŸm n{aHŸbZ ã`mO Xa Omo{»m_, B©{ŠdQr _yë` Omo{»m_, {dXoímr {d{Z_` Omo{»m_ VÏmm nÊ` Omo{»m_ HoŸ AmÜmma na {HŸ`m OmVm h¡.

2. gm_mÝ` ~mOma Omo{»m_ HŸm n{aHŸbZ g§ímmo{ÜmV Ad{Üm VÏmm Am` _| n{adV©Z HoŸ AmÜmma na {HŸ`m OmVm h¡.

3. {dímoîm Omo{»m_ HŸm n{aHŸbZ ~mø Omo{»m_ Xa {ZÜmm©aÊm, n«nÍm HŸr Ad{Üm Am{X HoŸ AmÜmma na {HŸ`m OmVm h¡.n[a_mUmË_HŸ àHŸQsHŸaU ny§Os à^ma HoŸ n[aHŸbZ HoŸ CÔoí` HoŸ [bE ~¡§HŸ Zo '_mZHŸsH¥ŸV Ad[Y nÕ[V' HŸmo AnZm`m h¡ Omo [ZåZ àHŸma h¡:

31.03.2015 H$mo ~ogb - II Ho$ AYrZ ~mOma Omo{I‘ Ho$ {bE ny§Or à^ma H$m ‘yë¶

(` HŸamoSm| _|) (»m) {ZåZ HoŸ {bE ny§Or Anoúmm

ã`mO Xa Omo{»m_

B©{ŠdQr {ñÏm{V Omo{»m_

{dXoímr {d{Z_` Omo{»m_

Omo[I_ loÊmr ny§Or n«ämma

(HŸ) EME\ŸQr HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ~mμOma Omo{»m_ Ho$ {bE ny§Or à^ma

ã`mO Xa (HŸ +I) 22.80

HŸ. gm_mÝ` ~mOma Omo[I_ 22.80

(i) [Zdb pñW[V (g_mZm§Va [dMbZ) 22.80

(ii) g_ ñVas` AñdsH¥Ÿ[V (HŸdo©Ma) 0.00

(iii) DŸÜd©ñW AñdsH¥Ÿ[V (~o[gg) 0.00

I. [d[eîQ Omo[I_ 0.00

(»m) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bEw ~mμOma Omo{»m_ hoVw ny§Or à^ma

ã`mO Xa (HŸ +I) 433.82





I. [d[eîQ Omo[I_ 124.61

(J) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE d¡HŸ{ënHŸ HwŸb ny§Or n«ämma 152.97

I. ã`mO Xa g§~§Ümr {b»mV {HŸ+(»m `m J Omo ämr A{ÜmHŸ hmo)} 456.62

II. B©{ŠdQr (HŸ+»m) 38.62

HŸ. gm_mÝ` ~mμOma Omo{»m_ 17.16

»m. {d{ímîQ Omo{»m_ 21.46

III. {dXoímr {d{Z_` Ed§ ñdÊm© 1.35

IV. ~mOma Omo{»m_ HoŸ {bE ny§Or n«ämma (I+II+III) 496.59

HwŸb Omo{»m_ ämm{aV Am{ñV`m§ 5517.61

112

`Ïmm 31.03.2015 HŸmo ~ogb-III HoŸ AÜmrZ ~mOma Omo{»m_ HoŸ {bE ny§Or n«ämma HŸm HwŸb

(` HŸamoSm| _|)

Omo[I_ loÊmr ny§Or n«ämma

(HŸ) EME\ŸQr HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ~mμOma Omo{»m_ Ho$ {bE ny§Or à^ma

ã`mO Xa (HŸ +I) 22.80





I. [d[eîQ Omo[I_ 0.00

(»m) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ~mμOma Omo{»m_ Ho$ {bE ny§Or à^ma

ã`mO Xa (HŸ +I) 436.18





I. [d[eîQ Omo[I_ 126.97

(J) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE d¡HŸ{ënHŸ HwŸb ny§Or n«ämma 156.20

I. ã`mO Xa g§~§Ümr {b»mV {HŸ+(»m `m J Omo ämr A{ÜmHŸ hmo)} 458.98

II. B©{ŠdQr (HŸ+»m) 38.62

HŸ. gm_mÝ` ~mμOma Omo{»m_ 17.16

»m. {d{ímîQ Omo{»m_ 21.46

III. {dXoímr {d{Z_` Ed§ ñdÊm© 1.35

IV. ~mOma Omo{»m_ HoŸ {bE Hw$b ny§Or n«ämma (I+II+III) 498.95

HwŸb Omo{»m_ ämm{aV Am{ñV`m§ 5543.89

n«{VÜmm{aV n«{Vämy{V`m| HoŸ {bE g_m`moOZ (ny§Or go ~Åo »mmVo SmbZm)

` 7.09 HŸamoS / 9%78.81

g_m`moOZ HoŸ ~mX HwŸb Omo{»m_ ämm{aV Am{ñV`m§ 5465.08

Vm{bHŸm SrE\Ÿ - 8

n{aMmbZ - Omo{»m_

JwÊmmË_HŸ n«HŸQrHŸaÊm

~ogb II go g§~§{ÜmV ämm{a~¢ HoŸ A§{V_ _mJ©{ZXo©ímm| _| Xímm©`m J`mZwgma "_yb gyMHŸ nÕ{V' HoŸ AZwêŸn n{aMmbZ - Omo{»m_ HoŸ {bE ~¢HŸ ny§Or n«ämma n{aHŸbZ AnZm ahm h¡. ~¢HŸ Zo n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmZ g{_{V HŸr ñÏmmnZm HŸr h¡ Omo gämr n«HŸma HoŸ n{aMmbZmË_HŸ Omo{»m_m| HŸr nhMmZ, _yë`m§HŸZ, {ZJamZr Ed§ {Z`§ÍmÊm HŸaoJr. gmÏm _| `h g{_{V n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmZ (AmoAmaE_), bm°g SmQm, Omo{»m_ d {Z`§ÍmÊm ñd-_yë`m§HŸZ (AmagrEgE), n«_w»m Omo{»m_ gyMHŸ (HoŸAmaAmB©), n{aÑí` {díbofÊm (EgE), HŸmamo~ma {ñÏm{V n«ñVwVrHŸaÊm (~rEbE_) Zr{V, HŸmamo~ma {Za§VaVm Zr{V (~rgrOr), HŸmamo~ma {Za§VaVm d AmnXm go CâZo HŸr `moOZm, AmCQgmog©S J{V{d{Üm`m§, Z`m CËnmX d J{V{d{Üm`m| HŸr g_rúmm, Ho$ H$B© go ‘mZX§S> Am¡a YZ Am{X g§~§Ümr {dñV¥V Zr{VJV _mJ©{ZXo©ímm| HoŸ AZwnmbZ go Bg n«HŸma HoŸ Omo{»m_m| HoŸ Ý`yZrHŸaÊm HoŸ Cnm` HŸaoJr.

113

AmJo ~¢HŸ Zo n{aMmbZmË_HŸ Omo{»m_ HŸm n«~§ÜmZ, {Z`§ÍmÊm Ed§ Ý`yZrHŸaÊm hoVw {ZåZ Cnm` {H$¶m h¡ :

AZwXoím nw{ñVHŸm/_¡ZwAb Amd{ÜmHŸ A§Vambm| na AÚVZ HŸaZo HoŸ Abmdm {Z`{_V/dm{îm©HŸ ñVa na g_rúmm HoŸ ~mX {d{dÜm Zr{V`m| HŸm g§ímmoÜmZ {HŸ`m OmVm h¡.

Ím¡_m{gHŸ AmÜmma na n{aMmbZmË_HŸ Omo{»m_ hm{Z(YmoImYSr g{hV d a{hV SmQm) HŸr gyMZm n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmZ g{_{V HŸmo Xr OmVr h¡.

AmB©Qr gwaúmm Zr{V ~¢HŸ _| ~ZmB© JB© h¡ VÏmm {d{dÜm AmB©Qr gwaúmm g_mÜmmZ O¡go SmQm HoŸÝÐ Ed§ ímm»mmAm| HŸmo EÊQr d¡ag, \Ÿmà dmb, EZ{HŸ«ßímZ VHŸZrHŸr, BZQ—yímZ {SQoŠímZ n«Êmmbr, am¡Qa AmÜmm{aV gwaúmm Zr{V, ZoQdH©Ÿ gwaúmm Zr{V HŸm AZwnmbZ {HŸ`m. A{ßbHoŸímZ EŠgog {Z`§ÍmÊm g§~§Ümr Zr{V, nmgdS© gwaúmm, nmgdS© HŸm Xwén`moJ g§~§Ümr _mJ©{ZXo©ím Am{X HŸm HŸm`m©Ýd`Z HŸmoa ~¢{H§ŸJ úmoÍm _| {HŸ`m h¡. ~¡§H$ AnZo ZoQdH©$, SmQm Ho$ÝÐ, {SgmgQa {aH$dar gmBQ, H$mamo~ma gw{dYm B©H$mB`mo§ Ho$ {bE gyMZm gwajm d ZoQdH©$ boImnarjm H$m Am`moOZ H$a ahm h¡. ~¢HŸ _hËdnyU© godmAmo§ O¡go, B§QaZoQ ~¡§{H§$J, _mo~mB©b ~¡§{H§$J, H$moa ~¡§{H§$J gmoë`yeZ Ho$ {bE ôÚVm _yë`m§HŸZ VWm ämoXZ narúmÊm H$a ahm h¡ Vm{HŸ HŸmoB© HŸ_r hmo Vmo Cgo RrHŸ HŸaZo HoŸ {bE gwYmamË_H$ HŸX_ CRmE OmE§. ~¢HŸ, Vrgar nmQr© HoŸ gm\ŸQdoà A{ßbHoŸímZ H$s AmB©Eg bo»mm narúmm H$a ahm h¡ Vm{HŸ JmonZr`Vm, g_mHŸbZ VÏmm Bg HoŸ gämr AmB©Qr g«moVm| HŸr CnbãÜmVm _| bJmVma gwYma bm gH|Ÿ.

{gñQ_ »mam~ hmoZo HŸr g§ämmì`Vm HŸmo amoHŸZo HoŸ {bE, {OgHoŸ HŸmaÊm HŸmamo~ma _|o éHŸmdQ hmo gHŸVr h¡, ~¢HŸ Zo {d{dÜm ñVam| na AmnXm go CämaZo Ed§ HŸmamo~ma HŸr {Za§VaVm V§Ím Ed§ Cnm`m| HŸmo HŸm`m©Ýd`Z {HŸ`m h¡. {dímoîmV`m g§doXZímrb ApßbHo$eZ O¡go HŸmoa ~¢{H§ŸJ n«Êmmbr, ZoQdH©Ÿ gw{dÜmm, AmB©QrE_Eg, AmB©AmaE_Eg, hoMAmaE_Eg HoŸ {bE.

dîm© 2008-09 _| g§ímmo{ÜmV Ama~rAmBE \Ÿm_o©Q na AmÜmm{aV Omo{»m_ AmÜmm{aV Am§V{aHŸ bo»mmnarúmm (Ama~rAmB©E) gämr ímm»mmAm| _| HŸm`m©{ÝdV {HŸ`m J`m h¡.

~¡§H$ Zo 15 n{aMmbZmË_H$ joÌmo§ O¡go IwXam ~¡§{H§$J, emIm n{aMmbZ, B§QaZoQ ~¡§{H§$J, EQrE_ n{aMmbZ, \$maoŠg, H$aoÝgr MoñQ, bm°H$a, {dn«ofU, gyMZm n«m¡Úmo{JH$r, So{~Q H$mS© d H«o${SQ H$mS© n{aMmbZ, »mOmZm n{aMmbZ, boZXoZ VÏmm {~HŸ«r (EE\ŸEg/EME\ŸQr), {dËVr` g_mdoímZ, ämwJVmZ VÏmm g_Âmm¡Vm Am¡a dm{Êm{Á`HŸ ~¢{H§ŸJ Ho$ AYrZ AnZr H$mamo~ma B©H$mB©`mo§ H$mo AmagrEgE n«{H«$`m Ho$ AYrZ Smbm h¡.

^m.[a.~¢. Ûmam ~¡§H$ H$mo _mZH$rH¥$V X¥{ïH$moU(QrEgE) Ho$ AYrZ n{aMmbZmË_HŸ Omo{»m_ ny±Or H$mo AmH${bV H$aZo AZw‘{V Xr h¢. (n¡abb aZ ‘mM© 2015 go à^mdr).

n{a_mÊmmË_HŸ n«HŸQrHŸaÊm :

n{aMmbZmË_HŸ Omo{»m_ na ny§Or n«ämma HŸm n{aHŸbZ

{nN>bo 3 dîmmoª HoŸ {bE gHŸb Am` HŸm Am¡gVZ

(` HŸamoSm| _|)

HŸ«_

g§.

{ddaÊm 31.03.2012 31.03.2013 31.03.2014

1 {Zdb bmäm 580.99 585.61 415.91

OmoS|

2 n«mdÜmmZ Ed§ AmHŸ{ñ_VmE± 649.07 536.42 687.82

3 n{aMmbZ ì`` 1201.36 1362.97 1689.55

4 Cn-HwŸb

¿mQmE±

5 EMQrE_ g§dJ© _| n«{Vämy{V`m| HŸr {~H«$s go n«mßV bmäm/hm{Z 16.29 60.72 13.64

6 ~r_m {H«$`mHŸbmn VWm ~¡¢H$ H$o$ nj _o| ~r_m Xmdmo| go n«mßV Am` 3.08 3.89 5.14

114

(` HŸamoSm| _|)

{ddaÊm 31.03.2012 31.03.2013 31.03.2014

7 Am` d ì`` HŸr AgmÜmmaÊm/A{Z`{_V _X 0.00 0.00 0.00

8 dîm© HoŸ Xm¡amZ n«mdÜmmZ Ed§ ~Åo »mmVo _| Smbr JB© am{ím HŸm n«Ë`mdV©Z 0.00 0.00 0.00

9 Mb d AMb g§n{ËV _Xm| HoŸ {ZnQmZ go n«mßV Am` 0.29 -0.13 -0.21

10 ~¢HŸ HoŸ núm _| HŸmZyZr g_Âmm¡Vm§o go n«mßV Am` 0.00 0.00 0.00

11 CnHwŸb 19.66 64.48 18.57

12 gH$b Am` (H«$‘ g§.1 - H«$_ g§.11) 2411.76 2420.52 2774.71

3 dîmmoª HŸr gHŸb Am` HŸm Am¡gVZ = ` 2535.66 HŸamoS

n{aMmbZ Omo{»m_ HoŸ {bE ny§Or n«ämma = gHŸb Am` HŸm Am¡gVZ * Amë\Ÿm (15%)

= ` 380.35 HŸamoS

g_mZ Omo{»m_ ämm{aV Am{ñV`m± = ` 4226.11 HŸamoS

Vm{bHŸm SrE\Ÿ-9

~¢{H§ŸJ ~hr _| ã`mO Xa Omo{»m_ (AmB©AmaAma~r~r)


gmÜmmaÊm JwÊmmË_HŸ n«HŸQrHŸaÊm HŸr Amdí`HŸVm _| AmB©AmaAma~r~r HŸr n«H¥Ÿ{V Ed§ _w»` nyd© ÜmmaÊmm, F$Êm HoŸ nyd© ämwJVmZm| HoŸ g§~§Üm _| Ed§ An{anŠd O_m HŸm ì`dhma VÏmm AmB©AmaAma~r~r HoŸ ~ma§~ma _mnZ.

ã`mO Xa Omo{»m_ n«~§ÜmZ

~¢HŸ Ûmam ã`mO Xa Omo{»m_ n«~§ÜmZ HŸr n«{H«$`m _| HŸmamo~ma CÔoí`, _wÐm ~mOma Ed§ F$Êm ny§Or ~mOma {Og _| ~¢HŸ HoŸ n{aMmbZ hmoVo h¢ HŸmo g_ÂmZm VÏmm BZ _mZXÊSmo§§ HoŸ g§Xäm© _| ~mOma Omo{»m_ HoŸ {bE AnZr V¡`mar HŸmo nhMmZZm d {ZÜmm©{aV HŸaZm ímm{_b h¢.

VwbZ nÍm _| hmoZodmbo ã`mO Xa Omo{»m_ HŸm n«~§ÜmZ HŸaZo HoŸ {bE ~¢HŸ Xmo n«{H«$`mAm|/Ñ{îQHŸmoÊmm| HŸmo AnZmVm h¡.

1) nhbm Ñ{îQHŸmoÊm nma§n{aHŸ J¡n {díboîmÊm n{aÊmm_m| HoŸ AmÜmma na VwbZ nÍm na Am{ñV Xo`Vm n«~§ÜmZ (EEbE_). Bg _| ã`mO Xa na ~¢HŸ H$o$ ZμO{aE na AmÜmm{aV hmoHŸa Am{ñV Ed§ Xo`VmAm| HŸm g_VwbZ/nwZ:g_VwbZ gmdÜmmZr nyd©HŸ HŸaZm ämr ímm{_b h¡ Vm{HŸ Omo{»m_ ämao ã`mO Am` HŸmo Xya HŸa gH|Ÿ. C{MV n«HŸma HŸr (n«HŸma Ed§ n{anŠdVm) Am{ñV`m| Ed§ Xo`VmAm| HŸr ÜmmaÊmm HŸaVo hwE Omo{»m_ HŸmo Ý`yZV_ HŸa gHŸZo HoŸ Aä`mg HoŸ μO{aE HŸ{ÏmV bú` n«mßV HŸa gHŸVo h¢ VÏmm ~¢HŸ HoŸ HwŸN bú`m| HŸmo hm{gb HŸa gHŸVo h¢ (O¡go bú` Am` HŸr n«m{ßV HoŸ gmÏm gmÏm Omo{»m_ HŸmo HŸ_ HŸaZm)

2) ~Mmd ì`dñÏmm HoŸ O{aE VwbZ nÍm go ~mha Am{ñV Xo`Vm n«~§ÜmZ (EEbE_) HŸaZm Xygam Ñ{îQHŸmoÊm h¡. ~Mmd ì`dñÏmm go VwbZ nÍm HoŸ ~mha HŸr {ñÏm{V ~ZVr h¡. AmoQrgr ì`wËnÝZr CËnmX {OgHŸm n«`moJ ~¢HŸ Ûmam AnZo ì`mnma g§{dämmJ HŸr ~Mmd ì`dñÏmm HoŸ {bE {HŸ`m OmVm h¡ Ed§ HwŸN Xo`VmE± ã`mO Xa HoŸ ñd¡n hmoVo h¢ (AmB©AmaEg).

VwbZ nÍm n«~§ÜmZ g_yh ~¡RHŸm| _| {dMma {d_ím© HoŸ Abmdm ~mOma Omo{»m_ n«~§ÜmZ/Am{ñV Xo`Vm n«~§ÜmZ g{_{V (E_AmaE_gr/AmëHŸmo) AnZr _m{gHŸŸ ~¡RHŸm| _| Am{ñV Xo`Vm n«~§ÜmZ nÕ{V`m| na {dMma-{d_ím© HŸaVr h¢.

115

~¢H Ûmam n«`w³V {díboîmÊm

~¢HŸ {Z`{_V êŸn go {Zdoím gyMr HŸr Ad{Üm Ed§ Amímmo{ÜmV Ad{Üm HŸm {díboîmÊm HŸaVm h¡ VÏmm ã`mO Xa Omo{»m_ HŸmo HŸ_ HŸaZo HoŸ {bE AnZr {Zdoím gyMr HŸmo nwZ:

g§VwbZ HŸaVm h¡. AmëHŸmo/E_AmaE_gr Ûmam nm{úmHŸ A§Vambm| na VÏmm _§Sb Ûmam _m{gHŸ A§Vambm| na HŸ{ÏmV {Zdoím gyMr HoŸ n«~§ÜmZ HŸr g_rúmm HŸr OmVr h¡.

df© 1999 Ho$ Am{ñV Xo`Vm n«~§ÜmZ g§~§Ümr _mJ©{ZXo©ímm| HoŸ AZwgma ã`mO Xa g§doXZímrbVm A§Va {ddaÊmr (AmB©AmaEg) nm{úmHŸ AmÜmma na V¡`ma HŸr OmVr h¡.

g§doXZímrb Am{ñV`m| HŸr n«{VímVVm {d{dÜm Xa-dma g§doXZ A§Vam| HŸr _m{gHŸ A§Vambm| na _§Sb Ûmam {ZÜmm©{aV NyQ-gr_mAm| HoŸ n«{V E_AmaE_gr/AmëHŸmo Ûmam

{ZJamZr a»mr OmVr h¡.

NyQ gr_m HoŸ Cëb§¿mZ na g§~§{ÜmV n{aMmbZr` VwbZ nÍm HŸr _Xm| HoŸ n{anŠdVm n«mo\ŸmBb HŸr nwZgªaMZm HoŸ AZwXoím HoŸ gmÏm `m ~J¡a E_AmaE_gr/AmëHŸmo HŸ{ÏmV

Cëb§¿mZ HŸm AZwg_Ïm©Z HŸaVm h¡. ã`mO Xa Ed§ ~mμOma HŸr {ñÏm{V HoŸ _Ôo ZμOa g_mZwnm{VHŸ h¡. ã`mO Xa g§doXZímrbVm {ddaÊmr V¡`ma HŸaVo g_` {ZåZ na {HŸò

Jò ì`mdhm{aHŸ {díboîmÊm HoŸ n{aÊmm_m| HŸmo Ü`mZ _| a»mm J`m :

(i) ~MV O_m HoŸ A{ñÏma Ed§ HŸmoa ämmJ

(ii) grgr/AmoS>r ImVmo§ H$s nwZ: _yë`{ZY©maU {deofVm

(iii) {Zdoím gyMr _| A§V:ñÏmmnZ HoŸ {dHŸën

Omo{»m_ na Am` (B©EAma) :

3 _hrZo, 6 _hrZo VÏmm 1 dîm© HoŸ g_Vb VHŸ ã`mO Xa g§doXZímrb Am{ñV Xo`Vm A§Vam| HŸr Am` ao»mm na g_m§Va Ed§ Ag_m§Va {dMbZ HoŸ HŸmaÊm Am` Omo{»m_

H$s JUZm H$s OmVr h¡. `h {díboîmÊm nm{úmHŸ AmÜmma na {HŸ`m OmVm h¡ Ed§ E_AmaE_gr/AmëHŸmo HŸr _m{gHŸ ~¡RHŸm| _| Am¡a ~mX _| _§Sb HŸr _m{gHŸ ~¡RHŸ _|

n«ñVwV {HŸ`m OmVm h¡.

1 dîm© VH$ J¡n n«mo\ŸmBb VÏmm ~¢HŸ HŸr ã`mO Xa HoŸ AmÜmma na, VwbZ nÌ _| `m ~mø ~Mmd g{hV aÊmZr{V`m| HoŸ AZwgma AmZodmbo Omo{»m_ na Am` na nm{jH$

AmYmana {ZJamZr a»mr OmVr h¡.

_mÍmmË_HŸ n«HŸQrHŸaÊm

DŸÜd©_w»mr Ed§ AÜmmo_w»mr Xa HoŸ n{adV©Z HoŸ {bE Am` Ed§ Am{Ïm©HŸ _yë` (`m n«~§ÜmZ Ûmam n«`wŠV Cn`wŠV _mnZ) _| d¥{Õ (AdZ{V) AmB©AmaAma~r~r HŸmo _mnZo HoŸ

{bE n«~§ÜmZ Ûmam AnZmB© JB© nÕ{V, _wÐm HoŸ HŸmaÊm {NÝZ {ämÝZ hwAm (Ohm± HwŸb nÊ`mdV© HoŸ 5% go A{ÜmHŸ nÊ`mdV© h¡)

Omo{»m_ na Am` (B©EAma) :

100 AmÜmma {~ÝXw HoŸ {bE, ã`mO Xa _| nyd© {ZÜmm©{aV d¥{Õ, EZAmB©AmB© na 1 dîm© A§Va HoŸ g_Vb HoŸ H$maU n«ämmd ` 72.36 HŸamoS

~¢HŸ Zo ghZ gr_m HŸmo ` 172 HŸamoS _| {ZÜmm©{aV {HŸ`m h¡.

Am{Ïm©HŸ _yë` Ñ{îQHŸmoÊm

Am{Ïm©HŸ _yë` `mZr Am{Ïm©HŸ _yë` na 200 AmÜmma {~ÝXwAm| na ã`mO Xa _| n{adV©Z HoŸ HŸmaÊm ny§Or {Z{Üm na n«ämmd HŸm _yë`m§HŸZ, ämm.{a.~¢HŸ _mJ©{ZXo©ímm| HoŸ AmÜmma

na g§ímmo{ÜmV Ad{Üm A§Va nÕ{V HoŸ μO{aE {HŸ`m OmVm h¡. {ddoHŸnyÊm© Cnm` HoŸ êŸn _| Am{ñV d Xo`VmAm| HŸr {Zdb Ad{Üm A§Va HoŸ {bE EHŸ gr_m {ZÜmm©{aV HŸr

JB© VÏmm ämm.{a.~¢HŸ go n«mßV _mJ©{ZXo©ímm| HoŸ AmÜmma na {Z`{_V A§Vambm| na Bg HŸr {ZJamZr HŸr OmVr h¡.

116

Vm{bHŸm SrE\Ÿ - 10

HŸmC§Qa nmQr© F$Êm Omo{»m_ go g§~§{ÜmV {Zdoímm| HoŸ {bE gm_mÝ` n«HŸQZ


(HŸ) ì`wËnÝZ VÏmm grgrAma go g§~§{ÜmV gm_mÝ` JwÊmmË_HŸ

n«HŸQZ HŸr Amdí`HŸVmAm| _| {ZåZ{b{»mV ímm{_b h¡ :

Am{Ïm©HŸ ny§Or HoŸ g_ZwXoímZ HoŸ {bE n«`wŠV nÕ{V

VÏmm HŸmC§Qa nmQr© F$Êm Omo{»m_ HoŸ {bE F$Êm

gr_mE§ g§~§Ümr MMm©

g§nm{íd©HŸ n«mßV HŸaZo VÏmm F$Êm HŸr Ama{úm{V`m§

ñÏmm{nV HŸaZo HoŸ {bE Zr{V`m| g§~§Ümr MMm©

JbV VarHoŸ HoŸ F$Êmm| HoŸ Omo{»m_m| HoŸ g§~§Üm _|

Zr{V`m| na MMm©

F$Êm HoŸ XOm© {ZÜmm©aÊm HŸ_ hmo OmZo go ~¢HŸ

Ûmam n«mdÜmmZ HŸr OmZodmbr g§nm{íd©HŸ am{ím go

nSZodmbo ZwHŸgmZ HoŸ g§~§Üm _| MMm©

~¢{H§ŸJ HŸmC§Qa nm{Q©`m| HoŸ {bE HŸmC§Qa nmQr© F$Êm Omo{»m_ gr_mE§ Am§V{aHŸ _m°Sb na Am§HŸr OmVr

h¡ {Og_| {ZåZ{b{»mV n¡am_rQa na {dMma {HŸ`m OmVm h¡ Omo HŸmC§Qa nm{Q©`m| HŸm F$Êm XOm© {ZÜmm©aÊm

VÏmm CZHŸm {Zdb _yë`, ~¢HŸ HŸm {Zdb _yë` VÏmm HŸmamo~ma HŸr Amdí`HŸVmE§. AÝ` gämr _m_bm|

_|, HŸmC§Qa nmQr© F$Êm Omo{»m_ gr_m HŸmo ~¢HŸ Ûmam F$Êm Zr{V d AZwXoím nw{ñVHŸm _| Xr J`r Zr{V HoŸ

AZwgma F$Êm AmHŸbZ n«{HŸ«`m AnZm`r OmVr h¡. n«ËòHŸ F$Êm HoŸ {bE grgrAma HŸr gr_mE§ am{ím

VÏmm g_` HoŸ AmÜmma na {ZÜmm©{aV HŸr OmVr h¡. grgrAma F$Êm HoŸ {bE ny§Or _mZHŸrH¥ŸV Ñ{îQHŸmoÊm

HoŸ AmÜmma na AmHŸ{bV {HŸ`m OmVm h¡.

g§n«{V ~¢HŸ HoŸ HŸmoB© F$Êm ì`wËnÝZ Omo{»m_ Zht h¡.

n[a_mUmË_HŸ àHŸQsHŸaU

(»m) g§{dXm HoŸ gHŸb gHŸmamË_HŸ C{MV _yë` Zo{Å§J HoŸ bmäm,

ZoQ Mmby F$Êm Omo{»m_, Ümm{aV g§nm{íd©HŸ (n«HŸma HŸmo

ímm{_b HŸaVo hwE O¡go ZHŸX, gaHŸmar n«{Vämy{V`m§, Am{X)

VÏmm {Zdb ì`wËnÝZ F$Êm {Zdoím. grB©E_ HoŸ AÜmrZ MyHŸ

na Omo{»m_ `m Omo{»m_ am{ím HoŸ {bE {anmoQ© Cnm`. F$Êm

ì`wËnÝZ n«{Vaúmm HoŸ HŸmën{ZHŸ _yë` VÏmm F$Êm Omo{»m_ HoŸ

n«HŸmam| _| Mmby F$Êm Omo{»m_ HŸm g§{dVaÊm.

(J) grgrAma HŸmo Omo{»m_ g¥{OV HŸaZodmbo F$Êm ì`wËnÝZ

boZXoZ (HŸmën{ZHŸ _yë`), {Ogo g§JRZ HoŸ AnZo F$Êm

g§{dämmJ VÏmm CgHŸr VËHŸmb J{V{d{Üm`m| HoŸ {bE n¥ÏmHŸ

{HŸ`m J`m h¡ {Og_| n«`wŠV F$Êm ì`wËnÝZ CËnmX HoŸ

g§{dVaÊm ímm{_b h¡ Am¡a Bgo n«ËòHŸ CËnmX g_yh HoŸ

A§VJ©V n«{Vaúmm Ûmam {d»m§{SV HŸa »marXm d ~oMm J`m h¡.

~¢HŸ {Ûnúmr` Zo{Å§J H$s nhMmZ Zht HŸaVm h¡. ì`wËnÝZ Omo{»m_ _m¡OyXm Omo{»m_ n«Êmmbr HoŸ AmÜmma

na n{aHŸ{bV {HŸ`m OmVm h¡ VÏmm `Ïmm 31.03.2015 HŸmo ~HŸm`m ímoîm ZrMo n«ñVwV h¡ :

(am{ím ` HŸamoSm| _|)

{ddaÊm HŸmën{ZHŸ am{ím Mmby {Zdoím

{dXoímr {d{Z_` g§{dXmE§ (A§Va ~¢H$)

1472.83 42.65

117

Vm{bHŸm SrE\Ÿ - 11 : n§yOr H$s g§aMZm

~ogb III - gm_mÝ` n«HŸQZ QoåßboQ(` {_{b`Z _|)

{Z`m_HŸ g_m`moOZ HoŸ n{adV©Z HoŸ Xm¡amZ n«`moJ {HŸE OmZodmbo ~ogb III gm_mÝ` n«HŸQZ QoåßboQ (AÏmm©V 1 An«¡b, 2013 go 31 {Xg§~a, 2017 VHŸ)

nyd© ~ogb III HoŸ {ZêŸnÊm HoŸ AÜmrZ am{ím`m§

g§Xäm© g§. ny§Or H$s g§aMZm

gm_mÝ` B©{ŠdQr {Qà 1 ny§Or : {b»mV VÏmm Ama{úm{V`m§

1 grÜmo Omar {HŸE JE Ah©HŸ gm_mÝ` ímoà ny§Or ßbg g§~§{ÜmV ñQmHŸ A{Ümímoîm (ímoà n«r{_`_) 25385.18 HŸ=»m+J

2 n«{VÜmm{aV Am` 11021.88 ¿m

3 g§{MV AÝ` ì`mnHŸ Am` (VÏmm AÝ` Ama{úm{V`m§) 22825.32 L=M+N+Âm+Q+R

4 grÜmo {ZJ©{_V ny§Or ~ímVo© {HŸ grB©Qr1 go MaÊm~Õ VarHoŸ go g_mßV {HŸ`m OmVm h¡ (HoŸdb

J¡a-g§`wŠV ñQmHŸ H§Ÿn{Z`m| na bmJy)

-

1 OZdar, 2018 VHŸ J«¢S\ŸmXS© gmd©O{ZHŸ úmoÍm HoŸ ny§Or A§Vúmoßm -

5 ghm`HŸ H§Ÿn{Z`m| Ûmam Omar {HŸE JE gm_mÝ` ímoà ny§Or VÏmm Vrgar nm{Q©`m| Ûmam Ümm{aV

(grB©Qr 1 g_yh _| am{ím AZw_V h¡)

-

6 {Z`m_HŸ g_m`moOZ HoŸ nhbo gm_mÝ` B©{ŠdQr {Qà 1 ny§Or 59232.38

gm_mÝ` B©{ŠdQr {Qà 1 ny§Or : {Z`m_HŸ g_m`moOZmE§

7 {ddoHŸnyÊm© _yë`m§HŸZ g_m`moOZ -

8 gØmd (g§~§{ÜmV HŸa Xo`Vm HŸm {Zdb) -

9 ~§ÜmHŸ ghm`HŸ A{ÜmHŸmam| HoŸ Abmdm AÝ` A_yV© (g§~§{ÜmV HŸa Xo`Vm HŸm {Zdb) -

10 AmñÏm{JV HŸa g§n{ËV -

11 ZHŸX n«dmh ~Mmd Ama{úm{V -

12 n«Ë`m{ímV hm{Z HoŸ {bE n«mdÜmmZm| HŸr HŸ_r -

13 {~HŸ«r na n«{Vämy{VHŸaÊm bmäm -

14 C{MV _yë` HoŸ XoZXm{a`m| na »mwX HoŸ F$Êm Omo{»m_ _| n{adV©Zm| HoŸ HŸmaÊm bmäm Ed§ hm{Z -

15 {ZÜmm©{aV-bmäm n|ímZ {Z{Üm {Zdb g§n{ËV`m§ 0.00 =(äm+_)*60%

16 »mwX HoŸ ímoàm| _| {Zdoím (`{X nhbo hr, {anmoQ© {HŸE JE VwbZ nÍm HŸo n«XËV ny§Or HŸm {Zdb

Zht {HŸ`m J`m Vmo)

-

17 gm_mÝ` B©{ŠdQr _| nmañn{aHŸ n«{VÜmmaÊm 35.15

18 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| HoŸ ny§Or _|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡,

nmÍm ímmQ© nmo{OímZ HŸo {Zdb _| {Zdoím, Ohm§, ~¢HŸ, Omar ímoà ny§Or HoŸ 10% go A{ÜmHŸ HŸm

_m{bHŸ Zht h¡ (10% gr_m go DŸna HŸr am{ím)

-

19 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm|, Omo {Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡, nmÍm ímmQ©

nmo{OímZ HŸo {Zdb HoŸ gm_mÝ` ímoà _| _hËdnyÊm© {Zdoím (10% gr_m go DŸna HŸr am{ím)

-

20 ~§ÜmHŸ godmŸ A{ÜmHŸma (10% gr_m go DŸna HŸr am{ím) -

118




21 AñÏmm`r A§Vam| go g¥{OV AmñÏm{JV HŸa g§n{ËV (10% gr_m go DŸna HŸr am{ím, g§~§{ÜmV

HŸa Xo`Vm HŸm {Zdb)

-

22 15% gr_m go A{ÜmHŸ HŸr am{ím -

23 {OZ_| go : {dËVr` g§ñÏmmAm| HoŸ gm_mÝ` ímoàm| _| _hËdnyÊm© {Zdoím -

24 {OZ_| go : ~§ÜmHŸ ghm`HŸ A{ÜmHŸma -

25 {OZ_| go : AñÏmm`r A§Vam| go g¥{OV AmñÏm{JV HŸa g§n{ËV`m§ -

26 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (26HŸ+26»m+26J+26¿m) -

26HŸ {OZ_| go : Ag_o{HŸV ~r_m ghm`HŸ H§Ÿn{Z`m| HŸr B©{ŠdQr ny§Or _| {Zdoím -

26»m {Og_| go : Ag_o{HŸV J¡a-{dËVr` ghm`HŸ H§Ÿn{Z`m| HŸr B©{ŠdQr ny§Or _| {Zdoím -

26J {Og_| go : ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§ Omo ~¢HŸ HoŸ gmÏm g_o{HŸV Zht HŸr

J`r h¢, CZHŸr B©{ŠdQr ny§Or _| HŸ_r.

-

26¿m {Og_| go : An{aímmo{ÜmV n|ímZ {Z{Üm ì`` -

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| gm_mÝ` B©{ŠdQr {Qà 1 HŸmo bmJy

{d{Z`m_HŸ g_m`moOZ

-

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa|) CXmhaÊmmÏm© : EE\ŸEg F$Êm n«{Vämy{V`m|

na An«mßV hm{Z`m| _| go ímmo{ÜmV (ämmaVr` n{a{ñÏm{V _| J¡a-g§~§Üm)

-

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa|) -


27 HŸQm¡Vr HŸmo HŸda HŸaZo HoŸ {bE An`m©ßV A{V{aŠV {Qà 1 VÏmm {Qà 2 HoŸ HŸmaÊm gm_mÝ`

B©{ŠdQr {Qà 1 HŸmo bmJy {d{Z`m_HŸ g_m`moOZ

0.00 =(^+‘)*40%

28 gm_mÝ` B©{ŠdQr {Qà 1 HoŸ HwŸb {d{Z`m_HŸ g_m`moOZ 35.15

29 gm_mÝ` B©{ŠdQr {Qà 1 ny§Or (grB©Qr1) 59197.23

A{V{aŠV {Qà 1 ny§Or : {b»mV

30 n«Ë`úm êŸn go Omar Ah©HŸ A{V{aŠV {Qà 1 {b»mV + g§~§{ÜmV ímoà A{Ümímoîm (31+32) 5000.00 HŸ1

31 {Og_| go : bmJy bo»mm§HŸZ _mZHŸm| HoŸ AÜmrZ B©{ŠdQr HoŸ êŸn _| dJr©H¥ŸV (~o_r`mXr J¡a-

g§M`r A{Üm_mÝ` ímoà)

-

32 {Og_| go : bmJy bo»mm§HŸZ _mZHŸm| HoŸ AÜmrZ Xo`VmAm| HoŸ êŸn _| dJr©H¥ŸV (~o_r`mXr F$Êm

{b»mV)

5000.00 HŸ1

33 A{V{aŠV {Qà 1 go MaÊm~Õ VarHoŸ HoŸ VhV n«Ë`úm êŸn go Omar ny§Or {b»mV -

34 ghm`HŸ H§Ÿn{Z`m| Ûmam Omar VÏmm Vrgar nm{Q©`m| Ûmam Ümm{aV A{V{aŠV {Qà 1 {b»mV (VÏmm

n§{ŠV 5 _| ímm{_b Zht {HŸE JE) grB©Qr 1 n«nÍm (g_yh EQr1 _| AZw_V am{ím)

-

35 {Og_| go : MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ ghm`HŸ H§Ÿn{Z`m| Ûmam Omar {b»mV -

36 {d{Z`m_HŸ g_m`moOZ go nyd© A{V{aŠV {Qà 1 ny§Or 5000.00

119




A{V{aŠV {Qà 1 ny§Or : {d{Z`m_HŸ g_m`moOZ

37 {ZOr A{V{aŠV {Qà 1 {b»mVm| _| {Zdoím -

38 A{V{aŠV {Qà 1 {b»mVm| _| nmañn{aHŸ n«{VÜmmaÊm 51.05

39 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡, HoŸ ny§Or _|

VÏmm nmÍm ímmQ© nmo{OímZ HoŸ {Zdb, _| {Zdoím, Ohm§ ~¢HŸ g§ñÏmm go Omar gm_mÝ` ímoà ny§Or HoŸ

10% go A{ÜmHŸ HŸm _m{bHŸ Zht h¡ (10% gr_m go A{ÜmHŸ HŸr am{ím)

-

40 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| _| _hËdnyÊm© {Zdoím, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go

~mha h¡ (nmÍm ímmQ© nmo{OímZ HoŸ {Zdb)

-

41 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (41HŸ+41»m) -

41HŸ Ag_o{HŸV ~r_m ghm`HŸ H§Ÿn{Z`m| HoŸ A{V{aŠV {Qà 1 ny§Or _| {Zdoím -

41»m ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§, Omo ~¢HŸ HoŸ gmÏm g_o{HŸV Zht HŸr J`r h¡,

CZHŸr A{V{aŠV {Qà 1 ny§Or _| HŸ_r

-

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| A{V{aŠV {Qà 1 HŸmo bmJy {d{Z`m_HŸ

g_m`moOZ

-

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© : SrQrE) -

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© : _m¡OyXm g_m`moOZ Omo {Qà

1 go 50% _| HŸmQo Om aho h¢)

-


42 HŸQm¡Vr HŸmo HŸda HŸaZo HoŸ {bE An`m©ßV {Qà 2 HoŸ HŸmaÊm A{V{aŠV {Qà 1 HŸmo bmJy

{d{Z`m_HŸ g_m`moOZ

-

43 A{V{aŠV {Qà 1 ny§Or _| HwŸb {d{Z`m_HŸ g_m`moOZ 51.05

44 A{V{aŠV {Qà 1 ny§Or (EQr1) 4948.95

44HŸ ny§Or n`m©ßVVm HoŸ {bE JÊmZm _| br J`r A{V{aŠV {Qà 1 ny§Or 4948.95

45 {Qà 1 ny§Or (Qr1 = grB©Qr1 + EQr1) (29 + 44HŸ) 64146.18

{Qà 2 ny§Or : {b»mV Ed§ n«mdÜmmZ

46 n«Ë`úm êŸn go Omar Ah©HŸ {Qà 2 {b»mV + g§~§{ÜmV ñQmHŸ A{Ümímoîm 12500.00 H$2+H$3+H$4

47 A{V{aŠV {Qà 2 go MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ n«Ë`úm êŸn go Omar ny§Or {b»mV 15000.00 S=T+Êm+V+Ïm+

X+Üm+Z

48 ghm`HŸ H§Ÿn{Z`m| Ûmam Omar VÏmm Vrgar nm{Q©`m| Ûmam Ümm{aV {Qà 2 HŸr {b»mV| (VÏmm n§{ŠV

5 `m 34 _| ímm{_b Z {HŸE JE grB©Qr 1 VÏmm EQr1 {b»mV)(g_yh {Qà 2 _| AZw_V am{ím)

-

49 {Og_| go : ghm`HŸ H§Ÿn{Z`m| Ûmam MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ Omar {b»mV -

50 n«mdÜmmZ 5878.01 n=\Ÿ*.45+~

51 {d{Z`m_HŸ g_m`moOZ HoŸ nyd© {Qà 2 ny§Or 33378.01

{Qà 2 ny§Or : {d{Z`m_HŸ g_m`moOZ

120




52 »mwX HoŸ {Qà 2 {b»mVm| _| {Zdoím -

53 {Qà 2 {b»mVm| _| nmañn{aHŸ n«{VÜmmaÊm 272.76

54 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| HoŸ ny§Or _|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha

h¡, nmÍm ímmQ© nmo{OímZ HŸo {Zdb _| {Zdoím, Ohm§, ~¢HŸ, g§ñÏmm go Omar gm_mÝ` ímoà ny§Or HoŸ

10% go A{ÜmHŸ HŸm _m{bHŸ Zht h¡ (10% gr_m go DŸna HŸr am{ím)

-

55 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| _| _hËdnyÊm© {Zdoím, Omo {Z`m_HŸ g_oHŸZ HoŸ Xmào go

~mha h¡, (nmÍm ímmQ© nmo{OímZ HŸo {Zdb)

-

56 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (56HŸ+56»m) -

56HŸ {OZ_| go : Ag_o{HŸV ghm`HŸ H§Ÿn{Z`m| HŸr {Qà 2 ny§Or _| {Zdoím -

56»m {Og_| go : ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§ Omo ~¢HŸ HoŸ gmÏm g_o{HŸV Zht HŸr

J`r h¢, CZHŸr {Qà 2 ny§Or _| HŸ_r.

-

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| {Qà 2 HŸmo bmJy {d{Z`m_HŸ g_m`moOZ

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© _m¡OyXm g_m`moOZ, Omo {Qà

2 go 50% _| HŸmQo Om aho h¢)

8300


57 {Qà 2 ny§Or _| HwŸb {d{Z`m_HŸ g_m`moOZ 8572.76

58 {Qà 2 ny§Or (Qr2) 24805.25

58HŸ ny§Or n`m©ßVVm HoŸ {bE JÊmZm _| br J`r {Qà 2 ny§Or 24805.25

58»m {Qà 2 ny§Or HoŸ êŸn _| JÊmZm HŸr J`r A{V{aŠV AË`{ÜmHŸ {Qà 1 ny§Or 0

58J ny§Or n`m©ßVVm HoŸ {bE ñdrHŸm`© HwŸb {Qà 2 ny§Or (58HŸ + 58»m) 24805.25

59 HwŸb ny§Or (Qrgr = Qr1 + Qr2) (45 + 58J) 88951.43

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| Omo{»m_ ämm{aV Am{ñV`m§


{Og_| go : -

60 HwŸb Omo{»m_ ämm{aV Am{ñV`m§ (60HŸ + 60»m + 60J) 778375.6

60HŸ {Og_| go : HwŸb F$Êm Omo{»m_ ämm{aV Am{ñV`m§ 681463.7

60»m {Og_| go : HwŸb ~mOma Omo{»m_ ämm{aV Am{ñV`m§ 54650.8

60J {Og_| go : HwŸb n{aMmbZmË_HŸ Omo{»m_ ämm{aV Am{ñV`m§ 42261.10

ny§Or AZwnmV

61 gm_mÝ` B©{ŠdQr {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 7.60%

62 {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 8.24%

63 HwŸb ny§Or (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 11.43%

121




64 g§ñÏmm {d{ímîQ ~\Ÿa Amdí`HŸVm (Ý`yZV_ grB©Qr 1 HŸr Amdí`HŸVm + ny§Or g§aúmÊm VÏmm n«{V MHŸ«r` Amdí`HŸVmE§, Omo{»m_ ämm{aV Am{ñV`m| HoŸ êŸn _| ì`ŠV HŸr J`r)

5.50%

65 {Og_| go : ny§Or g§aúmÊm ~\Ÿa Amdí`HŸVm 0.00%

66 {Og_| go : ~¢HŸ {d{ímîQ n«{V MHŸ«r` ~\Ÿa Amdí`HŸVm 0.00%

67 {Og_| go : Or-EgAmB©~r ~\Ÿa Amdí`HŸVm 0.00%

68 ~\Ÿa HŸmo nyao HŸaZo HoŸ {bE CnbãÜm gm_mÝ` B©{ŠdQr {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|)

2.10%

amîQ—r` {_{Z_m (`{X ~ogb III go AbJ h¡ Vmo )

69 amîQ—r` gm_mÝ` B©{ŠdQr {Qà 1 Ý`yZV_ AZwnmV (`{X Ý`yZV_ ~ogb III go {ämÝZ hmo) 5.50%

70 amîQ—r` {Qà 1 Ý`yZV_ AZwnmV (`{X Ý`yZV_ ~ogb III go {ämÝZ hmo) 7.00%

71 amîQ—r` HwŸb ny§Or Ý`yZV_ AZwnmV (`{X Ý`yZV_ ~ogb III go {ämÝZ hmo) 9.00%

HŸQm¡Vr HoŸ {bE gr_m go HŸ_ HŸr am{ím`m§ (Omo{»m_ ämm{aV go nhbo)

72 AÝ` {dËVr` g§ñÏmmAm| HŸr ny§Or _| ZJÊ` {Zdoím -

73 {dËVr` g§ñÏmmAm| HoŸ gm_mÝ` ñQmHŸ _| Cëbo»mZr` {Zdoím -

74 ~§ÜmHŸ ghm`HŸ A{ÜmHŸma (g§~§{ÜmV HŸa Xo`Vm HŸm {Zdb) -

75 AñÏmm`r A§Vam| go CËnÝZ hmoZodmbr AmñÏm{JV HŸa g§n{ËV`m§ (g§~§{ÜmV HŸa Xo`Vm HŸm {Zdb) -

{Qà 2 _| n«mdÜmmZm| HŸmo ímm{_b {HŸE OmZo na bmJy CÀMV_ gr_m

76 _mZHŸrH¥ŸV Ñ{îQHŸmoÊm HoŸ AÜmrZ F$Êm Omo{»m_ HoŸ g§~§Üm _| {Qà 2 _| ímm{_b HŸaZo hoVw nmÍm

n«mdÜmmZ (CÀMV_ gr_m HŸmo bmJy HŸaZo HoŸ nyd©)

5878.01 n

77 _mZHŸrH¥ŸV Ñ{îQHŸmoÊm HoŸ AÜmrZ {Qà 2 _| n«mdÜmmZm| HŸmo ímm{_b HŸaZo HoŸ {bE CÀMV_ gr_m 8518.30

78 Am§V{aHŸ _yë`m§HŸZ AmÜmm{aV Ñ{îQHŸmoÊm HoŸ AÜmrZ F$Êm Omo{»m_ HoŸ g§~§Üm _| {Qà 2 _| ímm{_b

HŸaZo hoVw nmÍm n«mdÜmmZ (CÀMV_ gr_m HŸmo bmJy HŸaZo go nyd©)

bmJy Zht

79 Am§V{aHŸ _yë`m§HŸZ AmÜmm{aV Ñ{îQHŸmoÊm HoŸ A§VJ©V {Q>¶a 2 ‘| n«mdÜmmZm| HŸmo ímm{_b HŸaZo HoŸ

{bE CÀMV_ gr_m

bmJy Zht

MaÊm~Õ ì`dñÏmm HoŸ AÜmrZ ny§Or {b»mV (HoŸdb 31 _mM©, 2017 go 31 _mM© 2022 VHŸ nmÍm)

80 MaÊm~Õì`dñÏmm HoŸ AÜmrZ g_m{ßV HoŸ ímV© na grB©Qr1 na _m¡OyXm CÀMVa gr_m bmJy Zht

81 CÀMVa gr_m HoŸ HŸmaÊm grB©Qr1 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm| HoŸ ~mX CÀMVa gr_m go A{ÜmHŸ)

bmJy Zht

82 MaÊm~Õ ì`dñÏmmAm| HoŸ AÜmrZ g_m{ßV HŸr ímV© na EQr1 {b»mVm| na _m¡OyXm CÀMVa gr_m bmJy Zht

83 CÀMVa gr_m HoŸ HŸmaÊm EQr1 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm| HoŸ ~mX CÀMVa gr_m go A{V{aŠV am{ím)

bmJy Zht

84 MaÊm~Õ ì`dñÏmmAm| HoŸ AÜmrZ Qr2 {b»mVm| na _m¡OyXm CÀMVa gr_m bmJy Zht

85 CÀMVa gr_m HoŸ HŸmaÊm Qr2 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm| HoŸ ~mX CÀMVa gr_m go A{V{aŠV am{ím)

bmJy Zht

122

Vm{bHŸm SrE\Ÿ - 12 : ny§Or HŸr g§aMZm - g‘mYmZ hoVw Amdí¶H$VmE±

(` {_{b`Z _|)

Xo`VmE§ `Ïmm 31.03.2015 HŸmo g_o{HŸV {dËVr` {ddaÊmm| HoŸ AZwgma VwbZ nÍm

g§Xäm© g§.

ny§Or

B©{ŠdQr ímoà ny§Or 8591.19 »m

Ama{úm{V`m§ Am¡a A{Ümímoîm 14475.72

I gm§{d{ÜmHŸ Ama{úm{V 3584.36 M

II ny§Or Ama{úm{V 16793.98 N

III ímoà n«r{_`_ 2365.17 J

IV nwZ_y©ë`m§HŸZ Ama{úm{V 127.96 \Ÿ

V gm_mÝ` Ama{úm{V Äm

VI amOñd Am¡a AÝ` Am{úm{V`m§

HŸ {d{ZÜmmZ ¿mQ-~T Ama{úm{V 0.00

»m {d{Z_` ¿mQ-~T Ama{úm{V 0.00

J AmñÏm{J_ HŸa Ama{úm{V 0.00

¿m A{Üm{Z`_ 36(1)(viii) HoŸ AZwgma {dímoîm AmaúmÊm 4637.27 Q

L bmäm d hm{Z bo»mm 11021.88 ¿m

HwŸb ny§Or, Ama{úm{V`m§ Am¡a A{Ümímoîm 61597.54

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128

PERFORMANCE HIGHLIGHTS: 2014-15

Business Growth

Total business of the Bank reached all time high level of ` 214035 crore.

Deposits increased from ` 124296 crore as on 31st March, 2014 to ` 126343 crore as on 31st March, 2015.

CASA has increased from ` 22860 crore as of 31.03.2014 to ` 25721 crore as of 31.03.15, up by 12.52%. The percentage of CASA to total deposits also improved to 20.35% from 18.39%.

Advances increased to ̀ 87692 crore as on 31st March 2015 from ` 82425 crore as on 31st March, 2014, up by 6.39%.

Total Retail advances increased to ` 18735 crore as of 31.03.2015 from ` 15617 crore as of 31.03.2014 up by 19.97%. Retail advances accounts for 21.36% of total advances.

Credit Deposit ratio has improved from 66.31% as of 31.03.2014 to 69.41% as of 31.03.2015.

Income and Profitability

Total Interest income of the Bank grew by 14.64% to ` 12274 crore during the year from ` 10707 crore compared to last financial year.

Non-interest income of the Bank for the year ended March, 2015 increased by 23.80% i.e., from ` 710 crore for the year ended March, 2014 to ` 879 crore.

Total income of the Bank for the year 2014-15 increased to ` 13153 crore against ` 11417 crore for the year 2013-14, up by 15.20%.

Operating profit for the year ended March’15 increased by 14.07% to ` 1259.03 crore and Net Profit increased by 5.65% to ` 439.41 crore.

Asset Quality

Bank’s Gross NPA ratio as on 31.03.2015 is 2.78%.

Net NPA ratio of the Bank as on as on 31.03.2015 is 1.92%.

Provision coverage ratio of the Bank is at 64.01% as on 31.03.2015.

Priority Sector Operations

Priority Sector portfolio increased by 18.79% ie, from ` 25855 crore as of 31.03.2014 to ` 30714 crore as of

31.03.2015.

Direct agriculture advances increased by 18.05% to ` 7546 crore as of 31.03.15.

Advances to Weaker Section increased by 20.39% and Advances to Women beneficiaries increased by 26.93%.

Financial Inclusion

The Bank has covered the 3320 allotted villages and 432 wards through 289 Branches and 827 Bank Mitras (BCAs).

As the part of Pradhan Mantri Jan Dhan Yojana (PMJDY), Bank opened 12.19 lakh new Basic SB accounts and mobilised ` 63.63 crore deposits and all the account holders have been issued Rupay Cards.

InfoTech Progress

The bank introduced several of IT based products and enhanced existing facilities to the customers through various new products / facilities like V – Quick Pay, V – Gyan Sagar, V – Abacus, USSD - NUUP, V- Online SB etc.

Bank has issued 15.40 lakh Debit cards during the year and total debit cards base increased to 4459155.

The Debit Card turnover grew to Rs 577.42 crore during 2014-2015 as against Rs 464.96 crore as on March 31, 2014.

The Credit Card turn over grew to Rs 514.57 crore as against the turnover of Rs 458.18 crore as on 31.03.2014.

The bank has launched Platinum Debit Card in association with Rupay & VISA.

Capital Adequacy

Capital to risk weighted assets ratio is at 11.43% (Basel III) with Tier I ratio at 8.24% and Tier II ratio at 3.19%.

CRAR of the bank is above the minimum stipulated level of 9%.

During the year 2014-15, the Bank raised Basel III compliant Tier II capital of ` 1000 crore and perpetual Additional Tier I capital of ` 500 crore.

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(` in crore)

KEY PARAMETERS 2012-13 2013-14 2014-15

No: of Branches 1359 1512 1618

Reserves & Surplus 3863 5029 5301

Gross Profit 1122 1104 1259

Net Profit 586 416 439

Total Deposits 97017 124296 126343

% growth 16.81 28.12 1.65

CASA Deposits 20349 22860 25721

% to Total Deposit 20.54 18.39 20.35

Gross Credit 70514 82425 87692

% growth 20.19 16.89 6.39

Total Business 167531 206721 214035

% growth 18.21 23.40 3.47

Gross NPA 1533 1986 2443

(%) 2.17 2.41 2.78

Net NPA 910 1262 1691

(%) 1.30 1.55 1.92

Investments 31285 42585 44698

Advances to Priority Sector 19505 25855 30714

% to ANBC 33.23 35.55 35.97

Total Staff 12601 12822 13617

Business per Employee 13.87 16.74 16.56

KEY RATIO (%)

Cost of Deposit 8.07 7.98 8.10

Yield on Advances 11.54 11.26 11.34

Net Interest Margin 2.13 2.02 1.93

Return on Assets 0.59 0.35 0.33

Capital Adequacy Ratio % (Basel II) 11.32 10.97 11.70

Capital Adequacy Ratio % (Basel III) NA 10.56 11.43

PERFORMANCE AT A GLANCE

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It is my pleasure to share with you a review the key developments Indian economy and banking sector which shaped our Bank’s operating environment and to review the performance of our Bank for the financial year 2014-15.

2014-15 was a year of fragile recovery for the global economy. After a marked downturn over the past few years, global economic conditions improved with uncertainties and divergent trends in major economies.

India’s economic conditions during FY 2014-15 have been influenced by the cumulative impact of global uncertainties, past monetary policy tightening and weak investment demand. Basic economic indicators, such as, Index of Industrial Production (IIP), Exports and Imports growth, Gross Fixed Capital Formation etc. showed a moderate growth. However, the overall economic situation started recovering during the second half of the financial year with lowering inflation, improving economy fundamentals and higher business confidence. Inflation showed a structural downward shift with Consumer Price Inflation estimated at 5.25% March 2015 compared to 8.25% for March 2014. Headline inflation has trended down to negative zone and stood at -2.30% in March 2015.

Banks in India are expected to play a vital role in the economic revival and to promote growth and development across the broad spectrum of economic activities. However, Indian banking sector had to face number of challenges during FY 2014-15 as a result of subdued economic activity. The Reserve Bank of India’s sharp focus on inflation has resulted in a high interest rate regime. This has impacted the credit and deposit growth of Scheduled Commercial Banks, showing moderate growth for most of the financial year.

Aggregate deposits of Scheduled Commercial Banks grew by 11.4% y-o-y in 2014-15 and bank credit grew by 9.5%. The credit-deposit (CD) ratio of SCBs stood at 76.46% as at end March 2015. Slowdown in loan growth weighted on the Net Interest Margins (NIMs) of the banks.

The deteriorating quality of assets of the banking sector as a result of the continued economic slowdown has emerged as a major concern with gross non performing assets of banks registering a sharp increase. The large number of defaults and high level of NPAs affected the profitability of Banks.

For Vijaya Bank, the main challenges in FY 2014-15

MESSAGE FROM THE MANAGING DIRECTOR & CEO TO SHAREHOLDERS

were to stay competitive in a challenging business environment and to capitalize on its strengths to grow faster and stronger. Over the course of the year, the Bank focused on its strengths, continuing to develop products and services and expanding delivery channels to meet the customer’s needs and maintain our reputation as a premier nationalized bank in India. Vijaya Bank’s performance in FY 2014-15 was broadly in line with these expectations.

Against this background, I would like to place before you the highlights of the Bank’s performance during the year 2014-15.

Vijaya Bank responded to the challenging economic environment by adopting a business model based on measured growth, discipline and profitability to deliver strong operating performance and to reposition the Bank for future growth. During the year, despite challenging economic conditions, the Bank has taken several initiatives to further strengthen its business portfolio and made active efforts to strengthen the balance sheet with disciplined and prudent strategy, structure optimization, operational transformation and a cautious approach to risk.

Continued buoyancy in core business operations and efficient management of costs helped the Bank to sustain and enhance the topline earnings while maintaining a stronger bottomline. Gross profit for the year ended March 2015 increased by 14.10% to ` 1259 crore. Net profit for the year is ` 439.41 crore, after making all necessary provisions to the tune of ` 819.62 crore.

The Bank’s strategic objective of rebalancing the business portfolio and its conscious decision to shed high cost preferential rate deposits and low yielding advances had a moderating impact on its business portfolio. Accordingly, total business of the Bank grew by 3.54% to reach ` 214035 crore as at March 2015.

Total deposits of the Bank stood at ̀ 126343 crore, as at 31st March, 2015. Retail term deposits grew by a robust 27.56% to reach Rs. 39433 crore. The proportion of Bulk deposits with preferential interest rate and CDs in total deposits brought down to 14.14% in March 2015. In response to the continued focus on augmenting CASA (current and savings bank deposits), the Bank’s CASA deposits grew by 12.52% in FY 2014-15 to reach ` 25721 crore. The share of CASA deposits in total deposits moved up by 196 basis points to 20.35% in March 2015.

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The Bank's credit portfolio increased to ` 87692 crore with a y-o-y growth of 6.39% with the credit-deposit ratio at 69.41%. The Bank’s diversified credit portfolio includes all productive segments of the economy like agriculture, industry, Micro, Small and Medium Enterprises (MSMEs), exposure to corporate and infrastructure segments, tiny sector and retail credit.

On the Priority Sector front, total Priority Sector Advances have increased by 18.79%, from ` 25855 crore as at March 2014 to ` 30714 crore as at March 2015. The Priority Sector advances constituted 35.97% of Adjusted Net Bank Credit (ANBC). Total Agricultural Advances of the Bank has increased by 14% to ` 11974 crore from ` 10527 crore last year. Education loan portfolio grew by 18.82% to reach ` 903 crore. Loans to weaker sections increased by 20.39% to ` 8685 crore and loans to women beneficiaries registered a growth of 26.93% to reach ` 6438 crore.

With Micro, Small and Medium Enterprises (MSMEs) emerging as the potential growth drivers of the Indian economy, our Bank’s MSME portfolio recorded a growth of 15.62% to reach ` 15165 crore. The Bank took several measures during the year to strengthen the retail banking proposition and outstanding advances under retail lending portfolio increased by 19.96% to reach ` 18735 crore, accounting for 21.36% of the gross credit.

The Bank’s asset quality continues to be one of the best in the industry. To address the growing asset quality concerns, the Bank has laid emphasis on diligent monitoring of the health of credit portfolio and recovery of the non-performing assets portfolio. The Bank ensured a better and efficient NPA management by checking the inflow to NPA segment and recovery of non-performing assets. The gross NPA level of the Bank stood at ` 2443 crore at a ratio of 2.78% as at March 2015. The net NPA level was ` 1691crore and the net NPA ratio was at 1.92%. The Provision Coverage Ratio stood at 64.01% as at March 2015.

Keeping customer convenience at the forefront and in tune with the Bank’s strategic focus, delivery channels have been further expanded to strengthen the Bank’s position. The Bank added 109 branches in FY 2014-15, taking the total branch network to 1618 branches. As at 31st March 2015, the Bank had 1383 ATMs.

In line with the country’s inclusive growth framework, the Bank has been actively pursuing the agenda of Financial Inclusion. The Bank’s initiatives in this direction aim at financial empowerment and reaching banking services to the rural masses. Vijaya Bank has stood up-to the mandate of our Prime minister’s call, by opening more than 12.19 Lakh accounts with

the balance of ` 63.63 crore in the accounts under the Pradhan Mantri jan Dhan Yojana, within couple of months of its dedication to the country.

The Bank has developed prudent risk management architecture to ensure sustainable and consistent growth and to attain global best practices for effective implementation of risk management initiatives consistent with the Basle frameworks and RBI guidelines. The Bank’s technology initiatives and innovations have been quite significant and rewarding and playing a dominant role in driving down costs, building efficiency and working as an enabler in achieving business growth and excellence in customer service.

Moving forward, the Bank will continue to invest in sustainable business and build on a strong foundation in order to accelerate growth across key business verticals. The Bank adopted a new Strategic Plan ‘Mission 2020’, which will provide necessary inputs and directions in building a sound business model based on profitability, operational efficiency, asset quality, risk management and expanding the reach.

For the financial year 2015-16, we have envisaged a business goal of ̀ 2,50,000 crore comprising ̀ 1,45,000 crore deposits and ` 1,05,000 crore advances. We propose to further increase the network by adding 250 branches and by substantially increasing the number of ATMs. We will continue the retail centric focus in our business mix so as to ensure a profitable growth trajectory. On the asset quality front, our corporate goal is to progressively bring down gross non-performing assets, amount-wise and percentage-wise.

The Bank will benefit from the positive corporate business confidence and from the improving domestic economic environment. The Bank will continue to grow its business sustainably and the Bank has a clear growth strategy in place to capitalize on the opportunities. I will remain committed to attain our objectives for the coming year. With your continued support and patronage, I am confident that our Bank would reach greater heights during the current year.

I sincerely thank all valued shareholders for your continuous support and trust.

With Best Wishes

Yours Sincerely,

KISHORE SANSIManaging Director & CEO

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VIJAYA BANKHEAD OFFICE, BENGALURU - 560 001

NOTICE

The Notice of the 15th Annual General Meeting including the e-voting procedure is being sent to the Shareholders separately.

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The Board of Directors have pleasure in presenting the 35th Annual Report of the Bank along with the audited Balance Sheet as March 31, 2015 and the Profit and Loss Account for the year ended March 31, 2015.

Management Discussion and Analysis:

Economic Scenario

For global economy, 2014-15 was an year of moderate recovery with diverging trends across the regions and economies. Relative to last year, the outlook for advanced economies improved during 2014-15, while growth in emerging market and developing economies showed deterioration. According to International Monetary Fund (IMF), global economy witnessed a moderate growth of 3.4% in 2014, as compared with the same growth rate in 2013. While advanced economies grew by 1.8% in 2014 compared to 1.4% in 2013, emerging economies grew by 4.6% in 2014 compared to 5.0% in 2013. Global inflation remained lower levels during the year, in tune with the lower international gold and oil prices. Monetary policies across several advanced and emerging economies were in an easing cycle in order to provide a fillip to economic growth.

During 2014-15, Indian economy exhibited mixed trends and India’s GDP growth showed moderate growth during the first three quarters. However, GDP growth got a lift as the Central Statistical Organization (CSO) improved the way it measures economic output. According to the new methodology, GDP growth is expected to be 7.4% in 2014-15 compared with 6.9% in 2013-14.

Inflation measured by wholesale price and retail price traversed the envisaged path set by the Reserve Bank of India during the year. Headline inflation measured in terms of the Wholesale Price Index trended down to negative zone, slipping to all time low of -2.33% for March 2015. Retail inflation has also moderated significantly to 5.25% in March 2015 compared to 8.25% in March 2014.

India’s foreign trade showed subdued performance in 2015-16 as a result of the adverse impact of uncertainties in the global markets. As per the provisional data released by the Department of Commerce, Government of India, during April-March

2014-15, merchandise exports of India stood at US $310.5 billion and merchandise imports stood at US$ 447.5 billlion. Lower growth in exports (-1.2%) and imports (-0.6%) resulted in modest increase in trade deficit by US$ 1.2 billion to US$ 137 billion.

Capital formation has showed decelerating trend with a slowdown in investment by both the private sector and government and the gross fixed capital formation (GFCF) rate at current prices has come down to 28.6% in 2014-15.

The financial markets in India responded to the overall developments witnessed in the global and domestic front. Money supply (M3), which was 13.6% at the beginning of the financial year 2014-15 moderated during the course of the year to 11.1% by end-March 2015 as a result of slowdown in economic activity and lower credit demand.

Resource mobilization through the primary market exhibited mixed trends during 2014-15 with equity and debt issues declining and private placements of corporate bonds increasing. However, in the secondary market, the benchmark indices, BSE Sensex and Nifty showed a general upward trend during the financial year.

Net capital/financial flows both in terms of quantum and quality improved considerably during 2014-15. India’s foreign exchange reserves increased to US$ 341.4 billion at end March 2015.

The 10 year Government bond yield has been moving downwards during 2014-15 as a combined effect of positive market sentiments, lower inflation levels, corrections in commodity prices and positive developments on the fiscal commitments by the government.

Rupee has exhibited considerable resilience to global events in 2014-15 and the Rupee-US dollar exchange rate has broadly remained stable during the year due to the huge inflow of FDI and FII in the equity and bond markets. However, on point-to-point basis the rupee has depreciated by 4.3% from ` 59.9 per US dollar at end March 2014 to ` 62.50 per US dollar on 31 March 2015.

Gross Fiscal Deficit during 2014-15 is estimated at 4.1% of GDP compared to 4.5% during 2013-14.

DIRECTOR’S REPORT 2014-15

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Banking Scenario

Indian banking sector witnessed several challenges during 2014-15 and the growth of the Indian banking sector moderated further during the year. The banking sector has witnessed deceleration in credit and deposit growth. Aggregate deposits of Scheduled Commercial Banks registered 11.4% y-o-y growth in 2014-15 compared to 15% recorded last year. Non-food credit for Scheduled Commercial Banks (SCBs) registered a y-o-y growth of 9.5% in 2014-15 compared to 14% recorded last year. Slowdown in credit growth has been broad-based barring agriculture and allied activities.

Liquidity conditions have remained broadly balanced during 2014-15, except transient tight conditions. Slower paced growth in credit in comparison to deposit mobilization and lowering of government cash surplus and the narrowing gap between credit and deposit growth helped to ease liquidity conditions.

Monetary policy actions during 2014-15 were mainly sought to balance growth inflation dynamics. The Reserve Bank of India (RBI) adopted the Consumer Price Index as the measure of the nominal anchor for policy communication. The RBI and the government agreed upon a new monetary policy framework wherein the RBI adopted a flexible inflation targeting mechanism. Throughout the year financial year 2014-15, RBI maintained a sharp focus on the Consumer Price Inflation and kept policy rates unchanged till January 2015. With the easing of inflationary conditions, the RBI has signalled easing of monetary policy stance by reducing policy repo rate under the liquidity adjustment facility (LAF). The RBI also reduced the statutory liquidity ratio (SLR) by 50 basis points from 22.0% of net demand and time liabilities (NDTL) to 21.5%. However, the transmission of changes in policy rate to deposit and lending rates of banks also remained muted in 2014-15.

Asset quality of banks showed signs of stress during the year as a combined effect of sluggish domestic growth during the last two years and continuing uncertainty in the global markets leading to lower exports. Gross non-performing advances of scheduled commercial banks as a percentage of total advances showed an increase during the year. Lower credit growth and higher provisioning on delinquent loans also affected the profitability of banks.

Outlook

Global growth prospects expected to strengthen and the year 2015 is expected to be the beginning of a sustainable recovery for the global economy. Global growth in 2015 and 2016 will be supported by stronger recovery in the advanced economies (AEs), turn around in Emerging Market Economies (EMEs) and soft energy and commodity prices. Lower international prices of crude petroleum are expected to boost global aggregate demand. The International Monetary Fund, in its latest World Economic Outlook, projected global growth at 3.5% for 2015 and 3.8% for 2016. However, downside risks to global growth remain elevated, mainly emanate from the slowdown in emerging market economies, and the uneven effects of currency and commodity price movements.

On the domestic front, macroeconomic vulnerabilities have abated significantly in the beginning of the financial year 2015-16, on the back of improvement in growth outlook, lower inflation levels and signs recovery in the external sector. India’s GDP growth is expected to improve in 2015-16 in view of the expansionary monetary policy stance and improving domestic demand conditions. The expected improvement in global growth prospects and domestic policy reform initiatives also drive GDP growth.

Retail inflation is projected to remain below 6% in 2015-16, within the target set for January 2016, which will provide headroom for the RBI support growth by reducing policy rates. The broad-based decline in inflation, favourable financial market conditions, and the government’s initiatives to improve the business climate including the ‘Make in India’ campaign to attract investment is expected to give further fillip to domestic growth.

Indian economy in 2015-16 is expected to emerge as one of the bright spot in the global landscape, and becoming one of the fastest-growing major emerging market economies in the world.

The major challenges during 2015-16 emanate from factors like inadequate support from the global economy, possible spill-overs of below normal agricultural growth, weaknesses in corporate balance sheets, volatile rupee and attracting sufficient capital inflows to the economy.

Indian Banking sector is expected to perform well in 2015-16 in view of the positive domestic outlook and favourable policy environment. The steady acceleration

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in services sector, expected turnaround in industrial growth, clearance of stalled projects, plans announced by the Government in the Union Budget to step up infrastructure investment and improvements in overall business climate would result in higher credit growth during 2015-16. The asset quality of banks is also expected to improve with the positive developments in the macroeconomic conditions.

Indian Banking sector is expected to perform well in 2015-16 in view of the positive domestic outlook and favourable policy environment.

PERFORMANCE HIGHLIGHTS OF THE BANK DURING THE YEAR 2014-15

Capital, Reserves & Networth

The Authorized Capital of the Bank at present is ` 3000 crore divided into 300 crore shares of ` 10 each. At present, Government of India holds 74.06% Equity Share Capital of the Bank. The total paid up (equity share) capital of the bank is ` 859.12 crore.

During the Year 2014-15, Bank added ` 271.84 crore in to Reserves & surplus and the total Reserves and surplus is ` 5300.64 crore. The Networth of the bank increased from ` 5638.93 crore to ` 5923.24 crore this year.

Working Results

Net profit for the year 2014-15 is ` 439 crore as compared to ` 416 crore for 2013-14. On the deposit front, average cost of deposits increased from 7.98% in 2013-14 to 8.10% in 2014-15. Yield on advances for 2014-15 is 11.34% when compared to that of previous year 11.26%.

The trends in financial results of the Bank are highlighted in the tables below:

(` in crore)Sl.No.

Item 2013-14 2014-15 Annual increase

(%)

1. Interest Income 10707 12273 14.64

2. Interest Expenditure 8623 9981 15.74

3. Net Interest Income (1-2) 2084 2292 10.03

4. Non-interest income 710 879 23.80

i. Profit on sale of investments

190 299 57.37

ii. Other non-interest income

520 580 11.54

5. Net Total Income (3+4) 2794 3171 13.49

6. Operating expense 1690 1912 13.14

i. Staff Expenses 1040 1166 12.12

ii. Other operating expenses

650 746 14.77

7. Operating profit 1104 1259 14.07

8. Operating profit (excl. Treasury profit)

914 960 5.03

9. Provisions and Contingencies

688 820 19.16

10. Net profit 416 439 5.65

Important Profitability Ratios

Sl.No.

Item 2013-14 %

2014-15%

1 Yield on funds 9.08 9.152 Cost of funds 7.31 7.443 Interest spread (1-2) 1.77 1.714 Yield on advances 11.26 11.345 Cost of deposits 7.98 8.106 Yield on investments

- excluding Trading Profit- including Trading Profit

7.227.75

7.508.17

7 Other operating expenses to Average working funds

0.55 0.56

8 Cost-Income Ratio 60.49 60.309 Establishment cost to average

working funds0.88 0.87

Dividend

Taking into consideration the overall profitability, the Board of Directors has recommended a final dividend of ` 1.50 per share (15%), for the year 2014-15. The total amount of equity dividend including dividend tax for 2014-15 is ` 155.10 crore.

Deposit Mobilization

During the year, CASA deposit of the bank grew to ` 25721 crore, a growth of 12.52% compared to previous financial year which was ` 22860 crore. Out of which the Saving Bank deposit grew by 12% and Current Account deposit grew by 14%. The CASA % to total deposit also improved to 20.35% from 18.39% for the last year. The total deposit of the bank increased to ` 126343 crore compared to last financial year which was ` 124296 crore. The Certificate of Deposit stood at `12258 crore during the year.

Employees Productivity

Business per employee as at 31st March 2015 is ` 16.56 crore. Profit per employee stood at ` 0.03 crore as at March 2015.

Branch Network

With the opening of 109 branches during the year

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2014-15, the network of branches reached the level of 1618 from 1512 during the previous fiscal and merged 3 Corporate banking Branches . There are 49 Extension Counters and 2 Satellite Offices at the end of the year 2014-15. The bank has also opened one new Regional Office at Meerut during the year 2014-15 with that total number of Regional Offices reached to 27.

Retail Credit

Retail Lending is viewed as a viable business proposition and continue to be the thrust area for credit expansion in view of its inherent advantages such as risk spread, better yield and large volume credit buildup.

The Bank has disbursed ` 9065 crore under Retail credit during the year & the amount outstanding as at March 2015 stood at ` 18735 crore, recording an Y-o-Y of 19.96 %. The Retail Credit Portfolio accounted for at 21.36 % of the Bank’s Gross Credit.

The Balance outstanding under Housing loan, Education loan, Vehicle loan & Jewel Loan schemes, as on 31st March 2015, are ` 6526 crore, ` 903 crore, ` 2607 crore and ` 3820 crore respectively.

During the year, Bank launched special campaigns like ‘Grand Festival Carnival’ offering attractive benefits to customers like waiver of charges etc was introduced.

Bank is continuously striving to make the Retail lending products more competitive in the market by revamping the existing products.

Bank has also launched Vijaya Top Up Loan exclusively for housing loan customers.

Bank has also revamped major retail products by following the present market conditions and going on par with the competitors which will help the field staff in canvassing more business.

Bank has started Online tracking of Retail Loan applications which helps for monitoring the pending applications by the applicant and the branch as well as Regional Office / Head Office.

Credit Expansion

The gross Credit of the Bank registered a growth of 6.39 % from ` 82425 crore on 31.03.2014 to ` 87692 crore on 31.03.2015. Considering the economic down trend the Bank had been selective in the approval of

big ticket credit proposals.

The Bank has put in place a perfect due diligence mechanism for screening of credit proposals and implementing the guidelines received from Department of Financial Services and Reserve Bank of India. In terms of extant guidelines from Ministry of Finance, the Bank is following committee approach for credit approvals at Regional Office and Head Office levels. The committees meet as frequently as possible to reduce turnaround time for credit decision. The Bank has continued with its strategy to recruit professionals from CA/ICWA/CS/MBA streams for ensuring good standard credit processing.

Bank’s credit department is accredited with ISO/IEC 27001:2005 certification for information security management system by British Standard Institute (BSI).

In tune with market trends, Bank has come up with various new loans products and also fine tuned existing ones to suit the needs of customers.

Large & Mid Corporate

The Large Corporate segment constituted 48% share in total domestic advances as on 31.03.2015. In order to have more focused attention and to reduce turnaround time, five specialised corporate banking branches are functioning at different geographical locations. Apart from Corporate Banking Branches, three Industrial finance branches are catering to the needs of the corporate customers including financing for infra/non infra projects. In addition the Bank has SME branches spread across the country catering to the needs of mid-corporate and SME clients by offering services including cash management, forex, treasury products, trade finance, deposits, retail banking etc.

Bank’s Corporate/SME/IFB Banking Division offers an array of loan products and services such as Term Loans, Demand Loans, Corporate Loan, Short-Term Loans, Working Capital Facilities (FB+NFB), Trade Finance Products, Bridge Loans, Syndicated Loans, Infrastructure Loans, Foreign Currency Loans, Loan Against Future Rent Receivables and many more to its corporate clients depending upon their needs. Over the years, Bank has made significant progress in establishing healthy business relations with several multinationals, domestic business houses and prime public sector companies.

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Infrastructure Finance

During the year, the Bank has sanctioned fund based limits of ` 7645 crore and Non Fund Based limits of ` 230.93 crore under infrastructure category covering power, telecommunications, ports, roads etc. Our exposure to infrastructure sector is 28.84 % of gross advances and is well within the prescribed sectoral exposure cap.

Project Finance and Syndication Group

Project Finance and Syndication Cell Is functioning at its Head Office, Bengaluru. The functions of the Cell include preparation of Project Information Memorandum, arranging for Techno Economic Viability Study of the projects and Syndication for credit requirements of the entrepreneurs. This Syndication Cell is well equipped with good manpower including senior executives and qualified professionals.

TREASURY AND INTERNATIONAL OPERATIONS:

Investment and Fund Management

Total Investment portfolio of the Bank increased from ` 42,833.78 crore (SLR Investment: ` 33,319.60 crore & Non-SLR Investment: ` 9,514.18 crore) as on March 31, 2014 to ` 44,698.34 crore (SLR Investment: ` 34,933.00 crore & Non-SLR Investment: ` 9,765.34 crore) as on March 31, 2015.

The 10 year benchmark yield closed at 7.74 % as on March 31, 2015 against 8.81% as on March 31, 2014.

The average yield on investment (including profit on sale of investments and RIDF) during the year worked out to 8.17 % as against 7.75% in FY 2013-14.

The Bank also complied with CRR and SLR requirements as stipulated by RBI consistently during the year.

International Banking

Bank’s export credit as at 31.03.2015 registered a Y-o-Y growth of 23.79% and stood at ` 1571.39 crore. Out of the above, quantum of export credit extended by the Bank in foreign currency was USD 42.13 million. As at March 2015, foreign exchange business turnover of the Bank stood at ` 21,172.17 crore, recording an annualized growth of 0.51 % over the previous financial year.

Bank has successfully implemented Electronic Data Processing and Monitoring System (EDPMS), e-BIZ

projects of RBI.

Bank’s total NRI deposits as at 31.03.2015 stood at ` 2998.96 crore, as against ` 2398.57 crore as at the end of previous financial year, thereby recording a growth of 25.03 %. During the financial year, the Bank has extended ‘Speed/Flash Remittance’ facility to UAE Exchange Centre LLC, Al Ansari Exchange UAE, Wall Street Exchange, UAE and Al Bader Exchange, UAE to enable the NRIs from Gulf Countries to electronically remit funds to their account with our branches anywhere in India. In addition to the above, the bank also has Rupee Drawing Arrangement (RDA) with Oman United Company LLC, Oman to facilitate rupee remittances to the accounts in India. The Bank has set up a NRI Customer Cell at Head Office, Bangalore exclusively for responding to the queries of our NRI customers. The Bank has also launched Vijaya NRI Digest, a fortnightly e-newsletter covering area of interest to NRIs.

Export & import credit

The Bank is active in meeting the importer and exporter client’s financial requirements both in domestic and in foreign currency. Bank’s 47 branches across the country are designated to handle foreign exchange business.

ASSET QUALITY

The Bank continued its focus on maintaining quality assets along with thrust on preventing fresh slippages. It initiated and continued to emphasize various measures in this direction, including the following:

in dues are identified and treated as Special Mention accounts and are closely monitored. Wherever feasible, such assets are restructured on merits, with additional need-based credit limits considered in deserving cases. Viability study is to be conducted in respect of SME accounts slipped to NPA and to be brought under nursing wherever feasible within a time frame.

systematic follow up of NPA accounts. Centres wherever DRT’s are functioning, nodal Officers are designated, who keeps regular liaison with the presiding officer and the bank’s advocate for speedy disposal of the cases.

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measures, including legal actions like Securitization and submitting the names to RBI are done.

recoveries of impaired assets.

reviewed by the Top management through video conference with the Regional Heads and guiding them for the speedy recovery.

under the Recovery Policy of the Bank are regularly conducted at various centres by involving a cluster of branches and accounts are settled on the spot. During the year, Bank could settle ` 109.88 crore in 5628 accounts by way of settlements till 31.03.2015.

chronic tractor loan NPAs was reintroduced on 01.01.2015 and the same was in force upto 31.03.2015.

introduced for a period from 01.01.2015 to 31.03.2015 in order to reduce the NPA level.

recovery officers have been posted at identified centers with large number of NPA accounts in 8 regions (6 in Karnataka and 2 in Andhra Pradesh). Recovery officers have made recovery of ` 38.27 crore and Upgradation of ` 53.78 crore upto the month of March 2015.

identified 769 Doable NPA accounts with balance of ` 10 Lakhs and above totaling ` 807.37 crore which can be upgraded by March 2015.These accounts are followed up by our Department with the Branches concerned on Continuous Basis. Upto the month of March 2015, ` 608.39 crore has been recovered/upgraded.

The gross Non-Performing Assets of the Bank as on March 2015 stood at 2.78% of total advances, while net NPA ratio was 1.92% of net advances. During the year 2014-15, Bank could effect total cash recovery of ` 931.42 (including interest) and upgraded NPAs amounting to ` 931.96 crore. Further, the Bank also

made provision of ` 698.40 crore for the unexpected defaults, apart from having a floating provision of ` 71.35 crore as on March 31, 2015. The Provision Coverage Ratio (including PWO) as at March 2015 worked out to 64.01%.

RISK MANAGEMENT

Credit Risk:

Bank has put in place a Comprehensive lending Policy as well as Credit Risk Management Policy which encompass various aspects such as risk appetite, risk based pricing, risk diversification / mitigation strategy, prudential limit, substantial exposure ceiling, group exposure ceiling, Rating wise exposure ceiling, preferred sector growth strategies, credit approval process, documentation and security standards, security valuation etc these policies are revised periodically based on corporate goal and business plans of the Bank.

As per RBI Guidelines on Stress Testing, the stress tests for Credit Risk have been carried out on a half year basis which covers scenarios such as credit portfolio to stress like increase in NPAs, slippage of restructured standard accounts, downgrade in Counter-party rating, depletion in collateral, etc.

Further, Bank has put in place a comprehensive risk rating/ scoring system which serves as a single point indicator of diverse risk factors on the counterparty and to facilitate execution of proper and consistent credit decisions. Bank has evolved separate risk scoring models for Housing /other Retail lending sectors and endeavors higher coverage in risk rating exercise. Rating migration analysis in respect of credit exposures of ` 1.00 crore and above is conducted on half yearly basis. Since September 2009, Bank has been conducting risk rating of all retail and non retail loans by using CRISIL RAM software which is Basel II compliant. The software facilitates Bank to maintain the credit quality and also to support efforts of the Bank in translation towards advanced approach of Basel II by ensuring that prior to sanction of loans, all type of exposures is covered under risk rating process.

Asset Liability Management (ALM) and Market Risk:

ALM and Market Risk of the Bank is managed by the Asset Liability Management Committee (ALCO) and Market Risk Management Committee (MRMC) respectively. Appropriate tolerance limits have been

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stipulated for mismatches in different time buckets, both for managing liquidity and interest rate risks. These are being monitored at fortnightly intervals and also appraised to the Board of Directors.

The market risk exposure is measured by tools like VaR (Value at Risk), AGL (Aggregate Gap Limit), and Duration gap analysis. Exposure limits for all countries have been put in place to manage and monitor the country risk. Mid-office reports on treasury operations are placed before the General Manager, Risk Management Dept., on a daily basis and before MRMC on a monthly basis, covering information about exceptions / reviews and compliance.

Interest Rate Risk on entire portfolio is identified and measured through Earnings at Risk (EaR). Sensitivity analysis is also conducted and reviewed by the top management. Contingency Funding Plans, Prudential Ratios / Limits have been set and actual position is monitored as part of Liquidity Risk Management. Stress Test on Interest Rate Risk, Liquidity Risk, Forex risk, etc on different scenarios are carried out on quarterly basis and appraised to Asset Liability Committee (ALCO). To monitor short term liquidity, the Bank is preparing the ALM statement of Structural Liquidity on daily basis.

The Duration Gap Analysis is implemented for assessing the possible impact on market value of equity (net worth) using 200 basis points shock on interest rate curve.

The bank has applied to RBI, seeking their approval to implement Internal Model Approach (Advanced Approach) for Market Risk.

The Funds Transfer Pricing, a new technology on transfer pricing mechanism, has been implemented for assessment of branch profitability in a scientific manner.

Operational Risk:

Bank has put in place a well defined Operational Risk Management Framework to effectively identify, measure, manage and address Operational risks. The Bank has also put in place a framework required for implementation of The Standardized Approach (TSA). The governance of Operational Risk Management is monitored by Operational Risk Management Committee (ORMC), which reviews the operational risk loss event data, new products, processes and systems adopted by the Bank and provides suggestions for taking corrective/preventive measures

to strengthen the internal system and procedures. In order to mitigate Operational risks, several thematic studies have been conducted for frauds committed in loan and deposit portfolios, so as to identify systemic deficiencies from Risk Management angle. Further, in order to move towards advanced approaches, bank has put in place frameworks for Risk Control Self Assessment (RCSA) and Key Risk Indicators (KRIs). Bank has been taking steps to strengthen the RCSA and KRI by reviewing the same and improving the coverage area for management of Operational risk.

The Bank has been permitted by RBI to assess Operational risk capital under The Standardized Approach (TSA) – (Parallel run w.e.f March 2015).

Basel-II & Basel III Compliance:

As the Bank requires corporate clients’ risk rating status awarded by rating agencies approved by RBI, the Bank has entered into MOU with all the six rating agencies viz CRISIL, ICRA, CARE, Brickwork, SMERA and Fitch so that borrowers can avail the rating services at a competitive fee and bank also derives benefits on lower capital charge depending on the rating status. The Bank has formulated its ICAAP policy which is revised from time to time and the ICAAP Document is submitted to RBI on half yearly basis.

In compliance to the RBI guidelines and adopting Standardised Approach for Credit Risk, Standardised Duration Gap for Market Risk and Basic Indicator Approach for Operational Risk, Bank has complied with Basel II norms and the overall Capital Adequacy Ratio as at 31st March ’2015 under Basel II works out to 11.70%, which is above the minimum stipulated norm of 9%. Bank has also complied with Basel III norms and the overall Capital Adequacy Ratio as at 31st March ‘15 works out to 11.43%, which is above the minimum stipulated norm of 9.00%.

Integrated Risk Management System (IRMS) Project:

In order to facilitate smooth and effective compliance of Basel-II norms, the Bank has taken up for implementation of Integrated Risk Management System (IRMS).

The unique IRMS Project consists of six solutions, viz. Credit Risk Management (CRM), Market Risk Management (MRM), Operational Risk Management (ORM), Credit Risk Rating Solution (CRR) (Retail & Non-Retail), Asset Liability Management (ALM) and Funds Transfer Pricing (FTP) Solution.

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ISO – 27001- Certification for Risk Management Department

Chief Information Security Officer (CISO) of our Bank has been awarded Information Security Maestro 2015 awards for Information Security and BCP initiatives by Info security magazine.

Capital Adequacy

During current financial year, Bank has successfully raised Additional Tier- I Capital of Rs 500 crore and Tier- II ( Basel III Compliant) Bonds of Rs 1000 crore. The capital adequacy ratio improved to 11.70% ( in 31.03.2015) as compared to 10.97% ( in 31.03.2014) under Basel II norms and 11.43% ( in 31.03.2015) as compared to 10.56% (in 31.03.2014) under Basel III norms as on 31.03.2015 vis-à-vis the Reserve Bank of India norm of 9%. As on 31.03.2015, the Tier I capital of the Bank is ` 6423.25 crore under Basel II and ` 6414.63 crore under Basel III. The Tier II capital stood at ` 2687.81 crore under Basel II and ` 2480.53 crore under Basel III. The overall capital stood at ` 9111.06 crore under Basel II and ` 8895.16 crore under Basel III.

NATIONAL PRIORITY

Priority Sector Lending

Total Priority Sector advances of the bank stood at ` 30714 crore as at the end of March 2015. Priority Sector Credit of the bank constituted 35.97 % of the Adjusted Net Bank Credit.

Agricultural Finance

Direct Agricultural advances of the Bank as at March 2015 stood at ̀ 7546 crore. Total Agricultural advances stood at ` 11389 crore which formed 13.34 % of the Adjusted Net Bank Credit.

During the year, Bank has rolled out a special loan “Scheme for financing farmers for construction of farm house” on owned farm/agricultural land and a scheme for financing Farmer Producer Organizations (FPO).

Disbursements to agriculture:

Under Special Agricultural Credit Plan, Bank has disbursed ` 8442 crore during the year 2014-15, against the Target of ` 8369 crore.

Kisan credit card scheme:

In terms of the guidelines of RBI/GOI, the revised VKC

scheme has provision for both production credit (Short term crop loans) and Investment Credit (Term loans). The validity of the card is 5 years and the beneficiaries are issued with ATM enabled Kisan cards.

Under Vijaya Kisan Card Scheme (VKC), during 2014-15, the bank has issued 73322 Kisan Cards amounting to ` 978 crore. The Outstanding level of VKCs stood at ` 2020 crore through 135208 accounts as at 31.03.2015. The Bank’s Kisan Cards are ATM enabled under RuPay platform and out of 97358 operative VKC A/cs, 88362 farmers have been so far issued ATM enabled Kisan cards.

Financing Micro, Small & Medium Enterprises (MSME):

The advances to Micro and Small Enterprises increased to ` 13366 crore as at March 2015 from ` 10690 crore as at March 2014, signifying Y-o-Y growth of 25%.

The advances to Micro, Small and Medium Enterprises increased to ` 15165 crore as at March 2015 from ` 13115 crore as at March 2014, signifying Y-o-Y growth of 15.63%.

Online registration of MSME loan applications and tracking system is in place for speedy disposal of proposals under MSME. Further, MSME loan borrowers are also getting acknowledgement through SMS alerts as soon as they apply online.

Further online tracking system of loan applications is also introduced for monitoring and speedy Action.

Advances to Weaker Sections:

As at March 2015, the outstanding under weaker section advances of the Bank stood at ` 8685 crore, which constitutes 10.17 % of the ANBC against the norm of 10%. The Weaker Section advances grew by ` 1471 crore, registering a growth rate of 20.39 % over March 2014.

Self Help Groups (SHGs)/Joint Liability Group (JLGs) /Micro Finance Institutions (MFIs):

Bank has accorded top priority to lending to SHGs/JLGs/MFIs. Bank has disbursed ` 721 crore to SHGs/JLGs/MFIS, the outstanding level of advances to this segment stood at ` 1115 crore as at 31.03.2015.

Bank is financing Joint Liability Farming Groups to meet credit requirements of farmers under “Bhoomiheen

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Kisan” scheme of Government of India and disbursed ` 28.35 crore to 983 such JLGs.

Bank is participating in the National Rural Livelihoods Mission (NRLM) Scheme by giving special thrust for lending to women SHGs. National Urban Livelihoods Mission (NULM) scheme has been launched by Govt. of India by replacing the existing SJSRY Scheme and Bank has been actively involved in implementing this scheme also.

The Bank received "Best Performance Award for Self Help Group/ Joint Liability group (SHG/JLG) linkage" for the year 2011-12 and 2012-13 which was presented during financial year 2014-15 by NABARD.

Credit to Women beneficiaries:

Advances to Women beneficiaries stood at ̀ 6438 crore as at March 2015 as against ` 5072 crore as at March 2014, registering a growth rate of 26.93 %. Against the stipulated benchmark level of 5% of Adjusted Net Bank Credit (ANBC), the Bank’s achievement stood at 7.54 %.

Lead Bank Scheme:

Our bank is having Lead Bank responsibility in three districts i.e. in Mandya, Dharwad and Haveri districts of Karnataka State. The Lead District Managers of all the three districts have been coordinating with all the bank branches in the concerned Districts to ensure achievement of targets under Annual Credit Plan, Government sponsored schemes, Financial Inclusion, Direct Benefit Transfer Scheme etc. In these three Districts, total credit share of our Bank through Annual Credit Plan is ` 725 crore against the target of ` 680 crore as at March 2015.

Lending under Government Sponsored Schemes:

Implementation of Government Sponsored Schemes receives the utmost attention of the Bank. The Bank’s lending under various Government sponsored schemes is furnished below:

(` in crore)

Sl.No.

Schemes No of beneficiaries

Loan amount outstanding

as at March 2015

1. PMEGP 7991 117

2. NRLM 11736 257

Advances to SC / STs:

Total advances to SC / STs stood at ` 1367 crore as at March 2015, against ` 1125 crore as at March 2014, with a growth rate of 21.51%.

Credit to Minority Communities:

Advances to Minority Communities stood at ` 4225 crore as at March 2015, constituting13.76 % of total Priority Sector advances.

VIBSETIs (Vijaya Bank Self-Employment Training Institutes):

The Bank has established Vijaya Bank Self Employment Training Institutes [VIBSETIs] at Mandya and Haveri in Karnataka state and at Indore in Madhya Pradesh. The Institutes have been conducting various vocational training/skill upgradation / awareness programmes/Entrepreneur Development Programmes etc. VIBSETIs at Mandya, Haveri & Indore have been graded ‘AA’ for the year 2013-14 by Ministry of Rural Development (MoRD).

During the current year 2014-15, VIBSETIs have conducted 88 programmes and trained 2392 beneficiaries. Since inception, totally 1343 programmes have been conducted, training imparted to 45909 beneficiaries with an overall settlement rate of 74.88%. VIBSETI, Mandya in collaboration with All India Radio, Mysore and VRDF has conducted training programme on sheep rearing (Bannur variety) for 60 members. During the Month of September 2014, our VIBSETI, Mandya had conducted a special training programme for 60 Transgenders to take up income generating activities.

Vijaya Rural Development Foundation (VRDF):

With a view to focus the attention of rural masses on the need to modernize agricultural practices, for up gradation of skills and knowledge in various ventures and for achieving all-round socio-economic development, Vijaya Rural Development Foundation (VRDF) was promoted by our Bank in the year 1990 at Mangalore. VRDF is conducting various activities like training /awareness programmes, covering a wide range of subjects, through the Village Development Councils (VDC). At present 33 such VDCs are functioning under VRDF. During the year, VRDF has conducted 143 programmes benefiting 10845 persons. Free health camps have also been organized for the benefit of rural poor. The Foundation has also

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granted scholarships to poor meritorious students hailing from villages and studying in government schools. The Foundation has expanded its activities to other districts like Haveri, Dharwad and Mandya, where the Bank has Lead Bank Responsibility.

Visit of Parliamentary Committees:

1. Parliamentary Standing Committee on Finance visited on 19.01.2015 and discussed on “Financial Inclusion Schemes and Achievements” and “Banking Sector in India – Challenges & the Way Forward”.

2. Parliamentary standing committee on Social Justice and Empowerment visited on 27.01.2015 and discussed about Priority sector lending to SC/STs, OBCs, Differently-abled persons & Minorities.

Education Loan

The Bank has provided utmost importance to education loan as it views this as an investment in human capital. During the year, the portfolio grew by ` 143 crore in absolute terms from a level of ̀ 760 crore as on 31.03.2014 to reach a level of ` 903 crore as on 31.03.2015 recording an Y-O-Y growth of 19%.

As it is a national priority, the Bank is aggressively marketing education loan. Bank also launched education loan campaign coinciding with the admission season. MoU was entered into with several reputed educational institutions/ colleges/universities for extending education loans. Bank participated in several expos and conducted camps during admission season to bring out the awareness amongst student community about the availability of education loan facility.

Financial Inclusion

Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched by the Hon’ble Prime Minister on 28.08.2014 with the objective of bringing all unbanked households/families of the country into banking fold by providing them with Basic bank accounts, Rupay cards with accidental insurance coverage of ` 1.00 lakh, life insurance coverage of ` 30,000/- and overdraft facility upto ` 5000/- based on the satisfactory transactions in the account.

Our Bank is actively participating in PMJDY scheme. Under PMJDY, our Bank has been allotted with 1151

Sub Service Areas comprising 3410 villages and 432 wards on a PAN India basis to provide banking facilities. We have provided Banking Facilities to these villages through 289 branches and 827 Bank Mitras (BCAs). Bank has conducted household survey in all allotted SSAs and Wards and covered all the households with at least one bank account.

Our Bank has opened 12.19 Lakh Basic Savings Bank Deposit accounts under PMJDY with a total balances of ` 63.63 crore, and all the account holders are provided with Rupay debit cards. Aadhaar numbers have been seeded in 7.27 lakh accounts. Bank has sanctioned Overdraft facility in 21 PMJDY account holders amounting to ` 0.66 Lakhs.

Bank is having Lead Bank responsibility in 3 districts viz Mandya, Dharwad and Haveri in Karnataka State. All the three Lead districts of the Bank have declared the districts as Saturated by covering all the households with Bank accounts within the timeline of Govt. of India.

FINANCIAL LITERACY:

Bank has floated Jnana Jyothi Literacy & Credit Counseling Trust (JJFLCCT), jointly with Syndicate Bank to set up and manage Financial Literacy Centres (FLCs) at District and Taluk level. Our Bank has 3 District level and 11 Taluk level Financial Literacy Centres. All the FLCs are regularly conducting Literacy programmes in villages / schools.

To create Financial Literacy on Pradhan Mantri Jan Dhan Yojana in Rural and Urban areas, Bank has prepared an Audio Film on PMJDY in regional languages for screening at account opening camps and other literacy programmes. Financial Literacy materials in regional languages were also provided to branches to impart financial literacy to PMJDY account holders.

DIRECT BENEFIT TRANSFER:

Bank is actively implementing the modified DBTL programme of the Govt. of India from 1st January 2015, by seeding Aadhaar number of LPG consumers into their accounts.

Our Lead District Managers in Dharwad, Haveri and Mandya are coordinating with the Oil Marketing Companies in their effort to cover maximum number of LPG beneficiaries under Cash Transfer compliance mode.

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ELECTRONIC BENEFIT TRANSFER:

Bank is disbursing Social Security Pensions to more than one lakh beneficiaries in Mandya District through Business Correspondents Agents / Hand Held Machines under “one district one Bank Model” amounting to ` 6.20 crore per month.

INFORMATION & TECHNOLOGY

Core Banking solution and its progress

The Bank achieved 100% CBS which facilitates services like anywhere banking, Internet Banking, online transactions etc. to its customers. With 100% CBS, the Bank has moved closer to offer real time banking facilities to its customers. Passbook Kiosk has been implemented in 184 locations. Cash Deposit Kiosk has been implemented in 238 locations. Aadhaar Enabled Payment System was implemented for smooth implementation of GOIs Direct Cash Transfer Project. To minimize the frauds, bio-metric access for CBS users has been implemented at all locations.

The Bank has implemented Integrated Human Resources Management System, Integrated Treasury Management System and Integrated Risk Management System and are integrated with the Core Banking System. ITMS project has met all the objectives with the setting up a DR setup at Mumbai. HRMS has also met most of the objectives with the setting up a DR set up at Mumbai. IRMS is expected to be fully implemented by the end of this financial year.

ATMs

59 ATMs were operationalised during the year 2014-15, taking the number of ATMs to 1383 as at the end of March 2015. Bank’s customers can also access over 1,90,000 ATMs connected under National financial Switch (NFS) across the country.

Internal Control

The Bank has well documented policies like IT & IS Security, Internet Banking Policy, IT Procurement Policy, Internet usage Policy, e-mail policy, Business Continuity Policy, Disaster Recovery Policy, Outsourcing Policy etc. covering wide range of functions at the field and administrative levels. Adequate controls are also built in to mitigate the risks associated with each of the activities. IT policy and IS policy was revised during 2013-14. Separate policies have been brought out for

Incident management, Vulnerability and penetration test as part of IS Security policy.

Networking

Bank has brought all its branches, extension counters and offices under the corporate WAN and achieved 100 % networking of the branches. It has also used the latest technologies like MPLS, Radio frequency, VSATs, CDMA etc. for establishing connectivity.

RTGS & NEFT Services

Having brought all branches under Core Banking Solution, RTGS and NEFT services are available to the Bank’s customers from all its branches. Since STP has been enabled in RTGS and NEFT, the customers can enjoy the benefit of immediate inter-bank and intra bank fund transfer facility.

The centralized payment systems, viz. Real Time Gross Settlement System (RTGS) and National Electronic Funds transfer (NEFT), currently provide for only direct membership. It has been decided by the RBI to expand the sub-membership route to enable all licensed banks to participate in NEFT and RTGS systems. The sub-member/s would participate in the centralized payment systems through their sponsor bank which is a direct member of the centralised payment system. Bank has entered into an agreement with ShimshaSahakara Bank Niyamitha, Maddur and LokapavaniMahilaSahakari Bank, Mandya for using our RTGS/NEFT services as sub-members.

Missed Call Services (FreeBuzz):

Bank is providing missed call services to the customers & enable them to know the account balance and mini statement. The ease of giving missed calls with zero charges provides a huge advantage to the customers.

V-Fee Hive:

Our in-house software development team has developed a unique application for collection of fees for Educational Institutions, collection of monthly maintenance fee by Apartments and collection of fees by Clubs, etc. It is equipped with unique features like integration of other payment channels like debit card, credit card and internet banking. Prestigious institutions like IIM-Calicut , Army Public School- Delhi, Yenepoya College- Mangalore and Mount Carmel College – Bangalore are presently availing this service.

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V-epassbook+:

Our in-house software development team has developed mobile application for accessing account details / to get transaction details. The application is loaded with additional customer friendly features like facility to add notes to each transaction, facility to maintain various personal account heads and to add pass book transactions to these accounts on a single click,facility to add notes to each transaction, etc. A Page with latest offerings and information like interest rate of the bank with links to reach the website of the Bank and facility to refer us to a friend is also available in this application. New version of the software V-ePassbook+2.00 with attractive features like reset of password online, maintain financial calendar, locate our branch/ATMs, display details in Hindi/Kannada languages etc. released during the current year. Already 1,47,694 No of Customers have registered for availing this facility as on 31.03.2015 .

Cheque Truncation system:

As directed by the Reserve Bank of India, the Bank has implemented cheque truncation system in Northern, Southern and Western Grid covering all MICR centres. Subsequent to migration of MICR centres, RBI has directed banks to migrate Non-MICR centres, presently branches from Non-MICR clearing are live on CTS clearing in 30 locations as on 31st March 2015.

Security Operation Center

Our Bank established Security Operation Center with Security Information and Event Management Solution (SIEM) & Correlation tool, which will help the bank in block / mitigate the attacks procedurally.Our Bank has finalized the Common procurement process for 9 Public Sector Banks for implementation of SOC as per the new initiative of GOI under common RFP and the project has been successfully completed.

INTERNAL INSPECTION

The Bank has a well-defined Internal Audit Policy with the Audit Committee of the Board overseeing the audit functions and providing guidance for improvements.

During 2014-15, Risk Based Internal Audit (RBIA) of 1314 branches was conducted and 78.84% of the audited branches have secured “Low Risk”. In addition, inspection of 12 Service Branches, 27 Currency Chests, 15 RACPCs, 09 MSME Cells, 17 Regional Offices and 07 Head Office Departments was conducted during

the year. 82.27 % of Bank’s business is covered under Concurrent Audit against RBI stipulation of a minimum 50%.

Know Your Customer (KYC), Anti Money Laundering (AML) and combating of Financial Terrorism (CFT):

Bank has formulated a Comprehensive policy on ‘Know Your Customer’, ‘Anti Money Laundering’ and ‘Combating of Financing of Terrorism’ which is being implemented by the KYC Cell at H.O. with required technical support for field functionaries. Detailed guidelines have been issued to the field functionaries for the implementation of KYC Norms, AML guidelines and CFT procedures which are uptaded / revised periodically based on instructions from RBI, GOI, IBA and other regulatory authorities. At the apex level it is being ensured that the KYC Norms and other guidelines are implemented in letter and spirit.

Large value transactions are monitored to be in line with the declared business/ profession. AMLock software is deployed for generating requisite alerts. Cash Transaction Report (CTR), Suspicious Transaction Report (STR), Counterfeit Currency Report (CCR), Cross Border Wire Transfer (CBWT) and large value transactions of Non-Profit Organisations (NTR) are submitted to FIU-IND as per the prescribed periodicity. A system support to check the customers’ names with the UN list of terrorists is made available to prevent opening of accounts by terrorists and connected entities.

The implementation of KYC Norms and AML guidelines is being checked by the Internal Inspectors, Concurrent Auditors, Vigilance Inspectors and Executives during their branch visits. Bank is proposing to also use decoy customers for KYC/AML checks.

Offsite Monitoring Unit (OMU)

Bank has established an Offsite Monitoring Unit (OMU) to monitor exceptional transactions on an ongoing basis and generate MIS reports on critical items. The reports, classified under High, Medium and Low Risk categories are analysed and requisite action initiated. Nodal Officers have been identified at all ROs for effective follow-up and feedback. Based on the criticality and monitoring needs Bank has identified a set of reports that are to be generated and monitored. OMU also undertakes checking / validation of credit sanctions with regard to adherence to major terms and conditions like interest calculation, collection of

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processing charges, etc.; Detect Revenue Leakage and Sanitization and data cleaning.

Fraud Monitoring Cell:

Bank has an independent Fraud Monitoring Cell, functioning as per the RBI guidelines on Classification and Reporting. During the financial year, 36 frauds amounting to ` 329 crore were detected. All frauds are systematically scrutinized and analysed in terms of modus operandi and system lacuna are timely reports are submitted to the regulatory authorities.

Police / CBI cases are filed in respect of all fraud cases. Fraud cases exceeding ` 1 lakh are placed before the Board and Board instructions / guidelines are implemented. A review of large value frauds is also placed before the Special Committee of the Board at periodical intervals. Latest position / progress in all the fraud cases are reported to RBI on quarterly basis. Attempted frauds are dealt with in terms of RBI guidelines. Periodical guidelines / instructions are issued on fraud prevention measures and system improvements.

Vigilance

The Vigilance Department at Head Office is headed by Chief Vigilance Officer of the rank of General Manager who is on deputation from State Bank of India. The Vigilance Department overseas all vigilance works of the Bank as per the guidelines given by Central Vigilance Commission. In addition, Vigilance Department carries out surprise inspection of branches, and Controlling Offices, concentrating on preventive vigilance. These are done by field Vigilance Officers stationed at Regional Offices. All efforts are made to plug the loopholes in the existing system to prevent recurrence of similar frauds and to strengthen the preventive vigilance.

Compliance

Board approved Compliance Policy is a requirement under the extant RBI guidelines and accordingly, the Bank has adopted Compliance Policy. The Compliance Department, H.O. ensures compliance with various communications received at Head Office from Govt of India, Reserve Bank of India, IBA and others by sending all such communications to the concerned operational Departments for necessary action. The Compliance Department is headed by

the Chief Compliance Officer who is of the Rank of a General Manager.

Right to Information Act 2005

Government of India enacted Right to Information Act, 2005 which came into force on October 12, 2005. The Act provides right to every citizen to secure/access to information under the control of Public Authorities. It aims to promote openness, transparency and accountability in administration and in relation to matter connected therewith or incidental thereto.

Bank has designated all the Branch Mangers as Assistant Public Information Officers, Second line Executives of all the 27 Regional Offices as Public Information Officers and Regional Head as Appellate Authorities under the Right to Information Act, 2005. At Head Office a Deputy General Manager is designated as Public Information Officer and a General Manager of the Bank as AppellateAuthority. Bank as a whole 28 offices are provided with Public Information officer and Appellate Authority respectively under Right to information Act 2005.

Information sought under the RTI Act 2005 is being provided within the prescribed time frame. During 2014-15, bank as a whole has received and disposed of 995 Applications and 133 Appeals under the RTI Act 2005. ’’

Security Arrangements

The Bank has a well established security set up within the Bank’s organizational structure with clear cut delegation of authority and responsibility. Security arrangements at all bank branches, currency chests and ATM sites is being reviewed on an on-going basis, since in a dynamic environment, new threats may emerge posing new challenges to various delivery points. Bank security is being strengthened to be more effective, modern and an unobtrusive security system. Essential and mandatory security arrangements in terms of RBI/IBA guidelines are being provided to all branches. Security Alarm Systems and CCTV surveillance system have been provided at all branches for ensuring secure and reliable banking. Branches categorized as vulnerable from security point of view are provided with armed security guards during working hours.

The Regional Security Officers carryout branch inspection visits at regular intervals to assess the

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security arrangements in vogue and suggest means for strengthening these arrangements. The Regional Security Officers maintain close liaison with the law enforcing agencies. The security arrangements in the Bank have been geared up to meet the prevailing security scenario.

Access Control measures at all banks currency chests have been strengthened in terms of RBI guidelines, all cash handling operations are being done under CCTV surveillance. Security Officers / inspecting officials to currency chest review CCTV footage as a mandatory requirement during their visit to the chest. Effective and fool proof system of frisking each & every person entering / leaving the vault room of the chest is being carried out. Biometric access control systems have been installed at all currency chest of the Bank to strengthen access control measures.

Training including firing practice for armed security guards deployed at currency chests/branches is imparted on an annual basis. Refresher training workshop for Security Officers is also being organized annually. Security Committees formed at Regional Offices and at Head Office meet periodically to review and assess vulnerability of each delivery point and for taking proactive measures for further strengthening security arrangements at branches/ chests and ATM sites.

HUMAN RESOURCES MANAGEMENT

Manpower:

The total staff strength of the Bank stood at 13617 in March 2015 as compared to 12822 in March 2014. Of the total staff, 6271 are Officers, 4304 Clerical Staff, 2349 Sub-staff, and 693 Part-time Employees in the subordinate cadre. The number of women employees as at the end of March 2015 stood at 3426 consisting of 1469 Officers and 1957 Award Staff constituting 13617 of total employees in the Bank. As at the end of March 2015, there were 271 employees belonging to Persons With Disabilities(PWD)Category and 751 employees belonging to Ex-Servicemen Category.

Recruitment:

During the year the Bank has appointed 583 Officers in different Grades/Scales and 277 Probationary Clerks. Bank has also appointed 732 employees in subordinate cadre of Armed Guards, Peons & Part Time Sweepers.

Promotions:

The promotions effected during the year 2014-2015 are furnished hereunder:

SI.No.

Promotionfrom

Promotion to Total promoted

1 TEGS-VI TEGS-VII 8

2 SMGS-V TEGS-VI 17

3 SMGS-IV SMGS-V 46

4 MMGS-III SMGS-IV 66

5 MMGS-II MMGS-III 166

6 JMGS-I MMGS-II 139

7 Clerical JMGS-I 173

8 Sub staff Clerk 133

Training:

The training system in the Bank has been strengthened by providing additional competent manpower. The courses have been redesigned keeping in mind the essential inputs required for the employees to effectively handle the present & future assignments and to perform their duties and responsibilities effectively in the highly competitive tech-based customer-driven banking environment. The Bank is also imparting training to its employees through reputed external training institutions in certain specialized areas like Credit, FOREX, Treasury Management, Risk Management, HR, Marketing, etc. During the financial year the Bank has imparted training to 9579 employees constituting 70.34 percent of the total employees. Out of which, 8291 employees had undergone training in the Bank’s own establishments and 1288 were trained at the reputed external training institutions including some overseas institutions.

SC/ST/OBC Employees:

Out of the total manpower of 13617 as at the end of March-2015, 2752 employees belong to SC category, 993 to ST category and 2816 to OBC category.

SC/ST CELL:

SC/ST cell has been functioning at all the 27 Regional Offices and a Senior Officer belonging to SC/ST is designated as Liaison Officer. At Head Office, the Cell

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is functioning under the control of Chief Liaison Officer.

The grievances of SC/ST employees are looked into and prompt remedial action is taken. The Chief Liaison Officer meets the SC/ST Employees Welfare Association and their representatives to hear their grievances at Head office and refers the matters if any, to the concerned department at Head office for redressal. Similarly Regional Heads/Liaison Officers are attending to their grievances at Regional Office Level.

Further Quarterly meeting of SC/ST representatives with the Managing Director & CEO of the Bank are held regularly in terms of Govt. guidelines. In these meetings, the grievances, if any, pertaining to SC/ST employees are discussed with the representatives of the SC/ST welfare Association and sorted out. All the representations received are entered in a Register showing therein the action taken on each representation. The Register is inspected by the Chief liaison Officer periodically.

In the similar manner, OBC Cell is also functioning separately at all the 27 Regional Offices & at Head Office under the control of Chief Liaison Officer appointed separately for OBCs.

Bank is arranging pre-promotion training for SCs/STs & OBCs regularly (i.e for sub-staffs, clerks and officers up to scale-III).

Bank is complying with all the Policy Guidelines laid down by the Govt. of India pertaining to reservation of posts for SC/ST employees, OBC & Minority employees including Persons with Disability.

Staff Relation:

The pro-active and humanistic approach undertaken by the Bank has yielded positive results and the Bank is showing progressive growth consistently with the collective efforts of the management and employees of the Bank. The climate is positive and the same is echoed in the form of continuous growth of the Bank during the financial year ending March 2015. The industrial relations in the Bank have been cordial and harmonious. There was no agitation or unrest during the year by the employees relating to issues pertaining to our Bank. The consultative committee meetings and negotiating committee meetings were held with the representatives of the recognized unions at regular

intervals to sort out the grievances of the employees and settle the disputes, if any, amicably and the said meetings are attended by the top executives of the Bank.

Sports Activities:

Our bank’s various sports teams have performed exceedingly well in the year 2014-15. Our Basketball team emerged winners in the All India Basketball Tournament held in Periyakulam, Tamil Nadu. The team also won the prestigious Association Cup and State Senior Division league held by the Karnataka State Basketball Association. Sri Arvind. A., working at Residency Road Branch, Bangalore was selected to attend the preparation camp of the Indian Basketball team in Gurgaon. Four members of Bank’s Basketball Team viz., Sri Arvind.A., Sri Anil Kumar.B.K., Sri Rajesh Prakash Uppar and Sri Roby Thomas were selected to represent Karnataka in the Senior National Basketball Championships and in the 35th National Games.

The bank’s Cricket team finished runners up in the All India YSCA Cricket Tournament and in the All India BPCL Kochi Refineries Cricket Tournament held in Chennai and Kochi respectively. Sri Muhammad Aslam.A.P., Clerk, Shanthinagar branch, was adjudged best Batsman of the tournament held in Kochi. Sri R. Vinay Kumar, member of our bank’s Cricket team, is the current captain of the Karnataka Ranji team which has won the Ranji Trophy tournament for the second consecutive time. Sri C.M.Gautham, Asst. Manager, Shanthinagar branch, who is also the vice-captain of the Karnataka Ranji team has been an integral part of the team. Sri Niyas Nizar, Clerk, N.R.Road branch represented Kerala in the Ranji Trophy for the year 2014-15.

The Kabaddi team of our bank has also excelled during the year. The team won 5 State Level Tournaments held in Koratagere, Gulur, Anekal, Mangalore and Karkala. The bank’s Kabaddi team also emerged runner up in the All India Kabaddi Tournament held at Mudhol, Karnataka and the State Level Kabaddi Tournament in Hebgodi, Karnataka. Sri Selvarajan.R., Service Branch, Sri Prashanth Rai, Indiranagar branch, Sri Sukesh, Hegde, HAL IIIrd Stage branch and Sri Keerthi.H.S., Nagappa Block branch, were some of the star performers for the team. Sri Sukesh Hegde represented India in the Beach Kabaddi Championships held in Phuket, Thailand.

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Staff welfare measures:

As per the directions of Ministry of Finance, Department of Economic Affairs Government of India, 3% of net profit with the maximum ceiling of ` 15 crore is to be earmarked for the welfare of its employees.

The Bank is having various staff welfare schemes such as:

1. Canteen Subsidy.

2. Newspaper reimbursement.

3. Annual Health Checkup.

4. Health Clinic at HO and at MSR Nagar, Bangalore.

5. Annual Medical Aid to the employees retired on superannuation.

6. Grant of Silver Jubilee awards.

7. Cash incentive to meritorious wards of staff.

8. Awarding scholarship of ` 5000/- for the girl children under V-Shakti, V-Subodhini, V- Pragati.

9. Group Mediclaim Insurance.

The Vijaya Bank Staff Welfare Fund Trust

Vijaya Bank Staff Welfare Fund Trust has been formed since 21.09.2002 :

Various welfare schemes implemented under the Trust are :1. Awarding scholarships to the wards of the

employees. 2. Reimbursement of residual claim of

hospitalization expenses. 3. Reimbursement of cost of spectacles. 4. Funeral expenses to the family members on

death of the employees.5. Cash incentives to retirees on superannuation.6. Scheme for providing assistance /scholarships

to the parent employees of mentally challenged /spastic children.

7. Scheme for providing artificial limbs /hearing aid /crutches to physically challenged staff members/their children.

8. Holiday Homes at Goa, Darjeeling, Shimla, Tirupati, Bangalore, Mysore, Ooty, Delhi & Mumbai.

The bank is also administering Family Welfare Scheme under which amounts collected from the members of

the scheme are distributed among the family members (nominees) of deceased employees.

Human Resources Management System:

With a view to streamline the process of faster decision making and enable error-free data management pertaining to the employees at a centralized location at Head Office, the Bank has implemented HRMS (Peoplesoft) Software.

The HRMS software combines many human resources functions including Benefits Administration, Payroll, and Training integrated into a single package.

Internal Complaints Committee

The Sexual Harassment of Women at Work Place (Prevention, Prohibition and Redressal) Act, 2013 (hereinafter called as the Act) has come into force and the same is published in the Gazette of India, Extraordinary, Part II, Section I dated 23.04.2013 as Act No. 14 of 2013.

This Act is to provide protection against sexual harassment of women at workplace and for the prevention and redressal of complaints of sexual harassment and for matters connected therewith or incidental thereto.

In compliance with Section 4 of the Act, Bank has constituted the Internal Complaints Committee (ICC) at the Head Office and at all the Regional Offices of the Bank to deal with the complaints received from staff members pertaining to gender discrimination and sexual harassment at workplace.

The ICC constituted at Head Office consists of the following members:-

1. Smt Nirmala Sridhar, GM - Chairperson

2. Smt Kamalakshi Hegde, CM - Member

3. Sri Krishna Kumar, CM - Member

4. Smt. Banumathi Ramasami, Manager

- Member

5. Smt Sandeepa Mullath, Manager

- Member

6. Smt. Geeta Menon – NGO - Member

Section 22 of the said Act stipulates the employer to include in its annual report the number of cases filed, if any and the disposal of cases under the Act.

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The Central Govt. in exercise of its powers conferred under the Act has also formulated “Sexual Harassment of Women at Work Place (Prevention, Prohibition & Redressal) Rules, 2013”. Rule 14 of which provide the employer to include the following information in the preparation of the Annual report:

a) No. of complaints of sexual harassment received in the year.

b) No. of complaints disposed of during the year.

c) No. of cases pending for more than 90 days.

d) No. of workshops or awareness programme against sexual harassment carried out.

e) Nature of action taken by the employer.

Accordingly, the details of complaints received by the Committee for the year April 2014 to March 2015 is furnished below.

Sl. No.

No of complaints of sexual harassment received in the year

No. of complaints disposed off during the year

No. of cases pending for more than 90 days

No of workshops or awareness programme against sexual harassment carried out

Nature of action taken by the employer or Dist. Officer

1 7 6 Nil (1 pending >90 days)

2

Special programme for women Branch Managers.

Special programme for women employees.

At Southern India Bank, STC, Bangalore.

Attended by 58 lady officers.

Out of 6 cases –

4 cases, are resolved amicably.

2 cases, are referred to Personnel Dept. [IRD] for taking suitable action in the matter

OTHER SERVICES

Merchant Banking & Allied Activities:

The Bank is registered with Securities and Exchange Board of India (SEBI) for Merchant activities like: Category I Merchant Banker, Bankers to the Issue, Debenture Trusteeship and Depository Participant. The bank is also registered as Self Certified Syndicate Banks for accepting IPO/Rights issue applications under Applications Supported by Blocked Amount (ASBA).

The bank undertakes Payment Bankers Assignments for payment of Interest/Dividend/Refund orders of Corporates. Bank also offers Depository Services and online trading to its clients.

Government Business:

Among various Government business, Bank is collecting Direct tax through 276 branches. The bank has introduced online payment of taxes of CBDT&CBEC through V-net banking for all customers of all branches. 888 branches of the bank are

designated to open Public Provident Fund accounts. Besides, all our branches are authorised to disburse Central Civil, Defence, Telecom pensions and State pensions in the states of Karnataka, Andhra Pradesh, Kerala and 4 Metro Cities. A separate cell called Centralized Pension Processing Center/CPPC has been set-up in HO for centralized payment of pensions of Central Government pensioners. 1487 branches are designated as NPS-Lite collection center (NL-CC) to accept subscription under NPS- Swavalamban scheme.

Corporate Agency with LIC:

Bank has entered into the Corporate Agency agreement with LIC of India to cater to the life insurance needs of the customers.

Corporate Agency with UIIC:

Bank has entered into the Corporate Agency agreement with United India Insurance Company Limited to cater to the non-life insurance needs of the customers.

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Group Insurance Coverage for borrowers:

Bank has entered into an agreement with M/s Bajaj Allianz Ltd for Group coverage of individual borrowers.

Money Transfer Services (Conventional and Online):

Bank is a sub-agent for money transfer services of Money Gram and Xpress Money. Under Money gram the bank has tie-up with both UAE exchange & financial services and Thomas cook (India) Ltd. Bank has entered into a tie-up with Times of Money Ltd for online transfer of funds (Remit2lndia) as an additional service to NRIs. The Bank has a tie up arrangement with Wall Street Finance Ltd of Spice Group company for Western Union money Transfer Services.

Credit Card Business

At the end of the financial year, the total active cards issued by the bank stood at 159149. The Credit Card turn over is Rs 514.57 Crore as against the turnover of Rs 458.18 crore as on 31.03.2014. To provide more security for our cardholders, the bank has introduced chip cards under Classic variety during the year. We have also facilitated our cardholders to view their card transactions at any time through V-Net banking.

The total number of merchants enrolled by the bank during the financial year 2014-2015 stood at 917 as against 1293 merchants as on 31.03.2014. The Department has delisted merchants who has not given business for more than 12 months. The bank is also providing cordless card swiping machines and the terminals are EMV/UKPT/TLE compliant and PIN @ POS enabled. The bank makes direct payments to merchants maintaining account at our Core Banking branches.

Debit Card

There has been considerable increase in the issue of Debit Cards. We have totally issued 1539854 Debit/ATM cards during 2014-2015 as compared to 518809 cards issued during the financial year as on March 31, 2014. The Debit Card turnover is Rs 577.42 crore during 2014-2015 as against Rs 464.96 Crore as on March 31, 2014. The bank is opening Jan Dhan accounts and has launched Platinum Cards in association with Rupay & VISA in the month of March 2015.

Depository participant account and Online trading:

Vijaya Bank, a Depository Participant (DP) with National Securities Depository Limited.

Vijaya Bank DP offers the following depository services.

Debentures, Mutual funds etc.,)

connected to NSDL and CDSL.

against bank loan.

issues.

debits from the account are not permitted.

account details etc.,

The bank provides Depository Services to customers and Tied up with IDBI Capital for providing Online Trading.

Government Business Module (GBM)

Government Business module is implemented with the following modules.

Indirect Taxes and remittance of tax amount to RBI through link cell, Nagpur.

the designated branches of the Bank.

Centralized Payment of Pension - A dedicated Centralized Pension payment processing cell has been created at HO. All types of pension like State, Central, Civil, Telecom, Defence, Judges and Freedom Fighters pension is being paid centrally by the CPPC cell at HO.

Senior Citizens Savings Scheme as per the government guidelines is also implemented in the Bank.

Marketing Setup

Marketing cell at the Bank’s Head Office with active involvement of all Marketing officers posted across the country in various Regional Offices / RACPCs & MSME cell is actively engaged in popularizing and marketing of Bank’s various products.

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Publicity and Public Relations

During the F Y 2014-15, the bank has carried out several major advertisement campaigns in print & Electronic media in English, Hindi and in regional languages throughout the country to elevate the visibility of the bank and its products. This year major Publicity Campaigns were carried out through Outdoor Advertisement media such as translites at airports and Delhi Metro Railway station, Kolkata Metro Stations. Outdoor Advertisement hoardings were taken in metro cities, glow sign/sign board advertisements at Railway stations/Bus stands.

Implementation of Official Language

Bank is implementing the Government’s Official Language Policy in letter and spirit since Nationalization. With the efforts of staff members Bank could achieve Hindi correspondence of 90.07 % in Region “A” against the target of 100%, 80.64 % in Region “B” against the target of 90% and 61.49 % in Region “C” against the target of 55% as on 31.03.2015.

Under the banner of “V-Gen Uth” all 27 Regional Offices & Head Office has conducted V-GenUth Hindi singing Competition/Hindi Drawing Competition/Hindi Elocution Competition, Hindi Quiz Competition, etc. for High School students. Every Regional Office has conducted Hindi Symposium (Aapasi samvaad Programme) in which teachers & students of various Colleges/Universities, customers and staff members have participated.

92 Hindi workshops were conducted for Executives / officers and clerical staff employees members in which 1610 staff members were trained. Importance of use of Unicode was stressed in these workshops.

The Drafting & Evidence Sub-Committee of Parliamentary Committee on Official Language had a discussion programme with Town Official Language Implementation Committee, Nagpur and member banks on 08.01.2015 in which our Regional Office, Nagpur participated as a member bank.

The Third Sub-Committee of Parliamentary Committee on Official Language visited our Udhagamandalam Branch on 07.02.2015.

Hindi Day was celebrated by Head Office on 16.09.2014 and Rajbhasha Sahayika was released on

the occasion to enable all staff members of the Bank to implement Official Language in the Bank.

E-Passbook/Tele Banking in Hindi/taking ATM slips in Hindi in Diebold Machines facility is available in the Bank. The exclusive intra-net Rajbhasha website has been made more user friendly for the staff members by providing letter heads of all branches/offices, office notes letters etc. The Hindi version of the trilingual website of the bank is updated from time-to-time. ‘V-Gyan Kendra’ is also made bilingual.

The Head Office along with various Regional Offices Bank have received prizes for Official Language Implementation for the year 2013-2014 awarded by the respective Town Official Language Implementation Committees, Staff College, Bangalore I prize, Regional Office, Hassan - I Prize; Mayo Hall Branch - Fourth Prize; Karnal Branch - Consolation Prize; Regional Office, Pune awarded for best performance in the field of O.L. Implementation.

Our Bank conducted inter-bank competitions under the aegis of various Town Official Language Implementation Committees all over India and a number of staff members have also won prizes.

Under the Bank’s Internal Rajbhasha Shield Scheme for the year 2013-14 Personnel Department I Prize, Planning and Development Department was awarded II Prize and Central Accounts Department was awarded III Prize under HO Department Category for effective implementation of Official Language. Under Best Region Category Chandigarh was awarded I Prize, Lucknow Region II Prize and Bangalore (South) III Prize.

ALTERNATE DELIVERY CHANNELS:

A number of activities were undertaken to ensure that technology driven Alternate Delivery Channels are utilized to the mutual advantage of the customers and the Bank. Mailers were sent to customers highlighting the advantages of using Alternate Delivery Channels like internet banking, use of Debit Card, on-line purchases, and funds transfer through RTGS/NEFT etc. Training programmes are conducted by Staff College to familiarize/ sensitize the staff members with these products so that the facilities percolate to the customer in a professional manner.

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TeleBanking Facility

TeleBanking facility was started during 2012-13 and available 24/7.Tele Banking facility is available in three languages ENGLISH, KANNADA AND HINDI. TeleBanking provides the following facilities for the benefit of customers:

last five transaction details, statement of accounts by e-mail, credit/debit card details.

status enquiry.

funds to self -account.

Details.

Assistance.

Internet Banking:

V-Net Banking, an Internet Banking channel of the Bank is providing services like balance enquiry, account statement, intra-bank and inter-bank fund transfers through RTGS/NEFT, transactions related SMS alerts, payment of Indirect / Direct taxes, State commercial Taxes, utility bill payments, online temple donations & online donations to Prime Ministers Relief Fund (PMRF) and others. The add-on features of V-net banking are:

online.

transfer funds to PPF Account from their linked operative accounts using V-Net Banking facility.

statement.

duties.

Mobile Banking:

V-Mobile Banking, the channel of the Bank for performing banking activities like balance enquiry, account statement, mobile recharge, intra and interbank funds transfer using NEFT, Airline ticket booking, Movie Ticket booking etc., with their mobile

handset using SMS/ GPRS modes of communication. “Immediate Payment Service” – IMPS (P2P-Person to Person), an initiative from NPCI (National Payment Corporation of India) has been implemented for the benefit of the customers using Mobile banking services to perform the transactions 24x7 within and across the banks using MMID (Mobile Money Identifier). IMPS (P2A – Person to Account) is implemented in our existing Mobile Banking services, wherein the customers can do funds transfer using beneficiary’s A/c No. and IFSC code, without the use of MMID.

Now we have launched new version of Mobile Banking with enhanced look and feel, and additional features like facility for customers to receive notifications from the Bank, add remarks to fund transfer transactions, to generate application password by themselves, and a host of other customer friendly options.

SMS alerts/e-mail

The bank also offers SMS alert service. Messages are sent for all transactions of ` 100 and above and when cheques are returned with, irrespective of the amount. Monthly statement of account through e-mail to account holders who have registered the e-mail ID has been implemented.

SMS alert facility is also used for

SMS - OTP(One Time Password).

SMS - OTP (One Time Password).

SMS - OTP (One Time Password) along with other security features.

V-GyanSagar :

V-Gyansagar is an unique initiative by Vijaya Bank to impart financial information to the public as part of financial literacy. V-Gyansagar is an Android mobile application which provides the subscriber a facility for getting daily updates on Financial, Economic and Banking news and also explanation of Financial and Banking terms.

V- Abacus :

A facility to open account by giving a missed call and opening of account through Tab Banking was implemented.

This will be useful for the customers who could not come to branch and open an account.

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V-QuickPay:

V-QuickPay is a unique initiative of our bank and is the next generation bill payment service where the Bill payment is made by scanning of QR code. Customer has to scan the QR code on the Bill generated by the merchant who has availed this facility from us, and proceed with the payment of the bill without having to swipe the Credit/Debit card on the POS machines. It facilitates Payment by way of Credit and Debit Cards and also net banking of any Bank. This product introduces a new bill payment channel, hitherto not provided by any Bank in the Indian Banking Industry.

USSD–NUUP:

Mobile Banking services were introduced by the bank in the year 2009. However availing even some of the basic banking services provided through Mobile Banking was beyond the reach of the people who did not possess a high end handset. Now NPCI’s Unstructured Supplementary Services Data –USSD (NUUP) offered by Telcos has been exploited by the bank to give mobile banking services even on a basic mobile phone, making mobile banking accessible to all customers.

V-Online SB a/c:

An option to open online SB account was introduced through our website ‘WWW.VIJAYABANK.COM’ Customer has to choose account opening at his/her place of choice and at his/her convenience. Branch receives an automated mail with regard to the customer’s request; branch will call the customer and informs the required documents and procedures. Customer will visit the branch on his / her chosen date and submits the necessary documents and opens the account.

Customer Service and Redressal of Complaints

Redressal Mechanism. Complaints received are attended immediately and vigorous efforts are made for a time bound resolution of all complaints.

and Standing Committee on Customer Service meets at Head Office periodically to discuss about the customer complaints and suggestions to improve customer service in the Bank.

(SPGRS) has already been implemented in our

Bank, which is an online portal for customers to lodge their complaints and track the same for its further developments. The complaints received from the multiple channels are being Registered and digitalized in order to have an integrated information system for customer grievances. All grievances are classified under various heads and sub-heads and automatically pushed to the concerned departments for easy and timely redressal.

year to evaluate branches in a discreet manner about the-

1. Ambience of the branches.

2. Product knowledge of the staff.

3. Customer Service.

4. Availability of mandatory disclosures as per the guidelines from the regulatory bodies like RBI / BCSBI.

The findings of the study were used to analyse the focus areas and to improve the customer service.

Call Centres: - The bank is having a professionally managed call center to take care of all types of customers query. The bank has 24x7 exclusive Help Desk for Credit and Debit card holders to provide swift service on their emergency matters like blocking / hotlisting of cards, tracking of anonymous transactions etc. Bank takes care to see that customers’ queries / issues are resolved within minimum turnaround time. For this bank has set up exclusive call centre for Net Banking / Alternative Delivery Channel (10.am to 6.pm), Card Service (24X7) and General banking (8.am to 8.pm).

Banking Codes and Standards Board of India (BCSBI)

The Bank, being a member of BCSBI, has adopted the voluntary Codes formulated by BCSBI i.e. (i) ‘Code of Bank’s Commitment to Customers’ (ii) ‘Code of Bank’s Commitment to Micro and Small Enterprises.’ Bank has formulated and complied with several policies as per the guidelines of BCSBI. A session on Customer Service incorporating the provisions of the Codes has been included in the staff general banking training programmes in order to comply with the Codes in true letter and spirit. BCSBI revised ‘Code of Bank’s Commitment to Customers’ in January 2014 and the

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Bank has taken several steps to abide with most of the revised guidelines.

CORPORATE SOCIAL RESPONSIBILITY

Our Bank has been actively involved in the CSR activities. However, we have adopted formal CSR activities as per Governmentt Gazette Notification dated 01.02.2014. Major initiatives during the Financial Year 2014-15 are:

providing health facilities to people in rural areas by running Rural Health Centre in all these Villages by attaching the services of a Doctor and medicines to be provided free of cost;

Child Adoption Scheme sanctioning a sum of ` 11,55,000/-, the said expenditure to be utilized from the year of adoption till the completion of their graduation;

oriented programmes like providing bus shelter, overhead tanks, ambulances to Trusts & Hospitals;

attend Olympic games;

improvement of basic amenities like water tanks, water purifier, benches, solar lights, fans, library room etc.;

welfare of downtrodden, especially for SC/ST/OBC category, and to orphanages and old age homes and support to senior citizens as a measure of reducing inequalities faced by socially and economically backward groups;

by way of providing kitchen items, freezer, desks and chairs, and providing hearing aids to hearing impaired and other assistances to differently abled persons;

their community development oriented projects like Ashraya, which supports boarding, lodging and educating destitute girl child, Can Care Foundation, which provides relief both to the patients and their family members financially and

morally, Laxminarasimha Charitable Trust, which supports pension to senior citizens, handicapped residents, etc;

youth, and creating self-employment opportunities;

have donated an ambulance to Sri Taralabalu Education Society, Sirigere, Shimoga;

Minister’s announcement on implementation of Swachchh Vidyalay we have taken up the activity of providing sanitation facilities to 84 Govt Schools, which are not provided with sanitation facility, in commemoration of 84th Foundation day, and in furtherance to these we have already completed construction of toilets at few places and the rest are in progress;

homes working for the cause of women destitute was provided with mattresses, bedsheets, mugs, buckets, pillows;

providing infrastructure, etc. aimed at positive development of the Nation.

Awards & Achievements

In recognition of varied initiative, the bank was conferred several awards and accolades during the year 2014-15.

Banks and Banking Award 2014 Ceremony hosted by Dun & Bradstreet - Polaris Financial Technology.

Joint Liability group (SHG/JLG) linkage From NABARD.

Micro Small and Medium Enterprises, GoI, in a function organized by Federation of Industry Trade and Services.

BOARD MEETING AND MEETING OF OTHER SUB COMMITTEES OF THE BOARD

During the year 2014-15, the Board of Directors met

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20 times. The details of Committee Meetings are as under:-

Name of the committee No. of Meetings

Management Committee of the Board 16

Audit Committee of the Board 12

Directors’ Promotion Committee 03

Risk Management Committee of the Board

05

Committee to review Large Value Frauds 05

Remuneration Committee of the Board, 01

Nomination Committee of the Board, 02

Customer Service Committee of the Board,

04

Stakeholders’ Relationship Committee 04

Share Transfer 07

Head Office Level Credit Approval Committee

32

Special Committee to consider appeals preferred by employees against final orders passed by Chairman & Managing Director as Disciplinary Authority.

01

I.T Strategy Committee 03

Supporting candidates in the Election Nil

Credit Monitoring recovery management of NPA

05

APAR Review Committee 01

Corporate Social Responsibility (CSR) 01

Review Committee in respect of Borrowers identified as Willful Defaulters

-

HR Committee -

(b) Changes in the Board of Directors

During the year 2014-15, the following changes have taken place.

1. Shri Kishore Sansi has assumed charge as Managing Director & CEO of our Bank on 01.01.2015 consequent upon demission of office by earlier Chairman & Managing Director Shri

V. Kannan on his attaining superannuation on 31.12.2014.

2. Shri Sanjay Kumar, Govt. Nominee Director joined the Board of our Bank on 12.09.2014 consequent upon retirement of Shri V. K. Chopra, Govt. Nominee Director on attaining superannuation on 31.07.2014.

3. Shri Prakash Chandra Nalwaya, Non Official Director ceased to be the Director on completion of his three year term on 19.05.2014.

4. Shri Ashok Gupta Non Official Director ceased to be the Director on completion of his three year term on 10.11.2014.

5. Shri H. Harish Ballal, Officer-employee Director ceased to be the Director on completion of his three year term on 24.01.2015.

The Bank’s Board as on date consists of the following Directors:-

1. Shri Kishore Sansi, Managing Director & CEO

2. Shri K. R. Shenoy, Executive Director

3. Shri B. S. Rama Rao, Executive Director

4. Shri Sanjay Kumar, Govt. Nominee Director

5. Smt. Suma Varma, RBI Nominee Director

6. Shri P. Vaidyanathan, Shareholder Director

7. Smt. Bharati Rao, Shareholder Director

8. Shri Y. Muralikrishna, Workmen Director

Acknowledgment

The Board wishes to place on record its sincere appreciation to the customers for their patronage, to the shareholders for their support, to the Government authorities and the Reserve Bank of India for their valuable guidance and support, to the Directors, who completed their tenure during the financial year under review and to all the staff members for their full support in the pursuit of organisational growth and excellence.

For and on behalf of the Board of Directors

Head Office: Bengaluru Kishore SansiDated the 12.05.2015 Managing Director & CEO

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1. BANK’S PHILOSOPHY ON CODE OF GOVERNANCE

Bank defines Corporate Governance as the application of best management practices, compliance of law in true letter and spirit and adherence to ethical standards for effective management and distribution of wealth and discharge of social responsibility for sustainable development of all stakeholders. The Bank shall continue its endeavor to enhance its shareholders’ value by protecting their interest by ensuring performance at all levels and maximizing returns with optimal use of resources in its pursuit of excellence. The Bank shall comply with not only the statutory requirements, but also voluntarily formulate and adhere to a set of strong Corporate Governance practices.

Thus bank considers itself as a Trustee of the Shareholders and Stakeholders and acknowledges the fiduciary responsibility towards them by creating and safeguarding their wealth. Bank adopts this through efficient corporate strategies, proactive business plans, policies and procedures to satisfy ethical and legal responsibilities.

Green Initiatives in Corporate Governance taken by Ministry of Corporate Affairs (MCA)

Ministry of Corporate Affairs has issued circulars giving clarification regarding service of documents/notices including copies of Annual Financial Results to shareholders in electronic form rather than sending through physical mode. This will benefit the society at large through reduction in paper consumption and in turn protect our trees which would contribute towards a sustainable greener environment. Sending of documents / communications through electronic mode also ensure prompt communication and avoids their loss in transit. We have requested all our shareholders to register their e-mail address with us to enable us to comply with the Green Initiatives envisaged by the GOI.

2. BOARD OF DIRECTORS

Good Corporate Governance starts at the top, with the Board of Directors and the Top Management who takes appropriate decisions and guide the Bank in achieving highest standards of excellence. Constitution of Board of Directors and other committees in respect of our Bank are governed under the provisions of Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980, Banking Regulation Act, 1949, Nationalized Banks (Management & Miscellaneous Provisions) Scheme, 1980 and RBI Directrives / GOI Guildelines/ICAI - Accounting Standards on this regard.

2.1. Composition of Board of Directors as on 31.03.2015

Executive 3

Non-Executive 3

Non Executive Independent 2

TOTAL 8

The Directors have been contributing their diversified knowledge, experience and expertise in respective areas of their specialization for the development of the Bank.

REPORT OF THE BOARD OF DIRECTORS OF VIJAYA BANK ON CORPORATE GOVERNANCE 2014-15

CORPORATE GOVERNANCE

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2.2. Composition of Board of Directors as on 31.03.2015 was as under:

Sl.No.

Name of Director Designation Nature of Directorship Date of Assuming Office

1. Shri Kishore Sansi Managing Director & CEO

Executive 01.01.2015

2. Shri K. R. Shenoy Executive Director Executive 18.06.2012

3. Shri B. S. Rama Rao Executive Director Executive 27.09.2013

4. Shri Sanjay Kumar Government Nominee Non Executive 12.09.2014

5. Smt. Suma Varma RBI Nominee Non Executive 30.07.2010

6. Smt. Bharati Rao Nominee-Shareholders Non Executive Independent

07.08.2014

7. Shri P. Vaidyanathan Nominee-Shareholders Non Executive Independent

07.08.2014

8. Shri Y. Muralikrishna Workmen Director Non Executive 02.11.2013

Appointment /Cessation of Directors during the year *1 Shri Kishore Sansi, has been appointed as Managing Director & CEO w.e.f. 01.01.2015. *2 Shri V. Kannan, has demitted the office of Chairman and Managing Director on 31.12.2014 on attaining

superannuation. *3 Shri Sanjay Kumar, has been appointed as GOI nominee Director w.e.f. 12.09.2014. *4 Shri V. K. Chopra, has demitted the office of GOI nominee Director on 31.07.2014 on attaining

superannuation. *5 Shri P. C. Nalwaya, has demitted the office of Non official Director on completion of his term on 19.05.2014. *6 Shri Ashok Gupta, has demitted the office of Non official Director on completion of his term on 10.11.2014. *7 Smt. Bharati Rao, has been re-elected as Nominee Share holders Director w.e.f. 07.08.2014. *8 Shri P. Vaidyanathan, has been re-elected as Nominee Share holders Director w.e.f. 07.08.2014. *9 Shri H Harish Ballal, Officer Employee Director has ceased to be Director of the Bank on completion of his

term on 24.01.2015

2.3 Profile of Directors Appointed During the Year 2014-2015

NAME Shri Kishore Sansi

DATE OF BIRTH 19.08.1957

AGE 57 Years

QUALIFICATIONS M.Sc., M. Phil. M Tech.

NATURE OF APPOINTMENT AS DIRECTOR

Managing Director & CEO

Shri Kishore Sansi was appointed as Managing Director & CEO of the Bank by Government of India, under clause (a) of sub section (3) of Section 9 of The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970/1980 read with sub-clause (1) of clause 3 and sub-clause (1) of clause 8 of the The Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970/1980, vide notification No.F.No.4/4/2013-BO.I (i) dated.31.12.2014.

158

EXPERIENCE Shri Kishore Sansi holds a M.Sc. and M. Phil from Delhi University and M.Tech. From IETE, New Delhi. He is also CISA qualified with ISACA, US.

He has to his credit over 35 years of illustrious banking experience accredited with several rewards and recognition in diverse fields. He had joined Oriental Bank of Commerce on 3rd May 1980. He was elevated as the Executive Director of Punjab & Sind Bank in August 2013. He has undergone various training programme both within the country and abroad to add to his rich academic qualification.

NAME Shri Sanjay Kumar

DATE OF BIRTH 16.04.1971

AGE 44 Years

QUALIFICATIONS M A, MBA (Finance)

NATURE OF APPOINTMENT

AS DIRECTOR

GOI Nominee Director

EXPERIENCE Shri Sanjay Kumar was appointed as GOI Nominee Director of the

Bank by Government of India, under clause (b) of sub section (3)

of Section 9 of The Banking Companies (Acquisition & Transfer of

Undertakings) Act, 1970/1980, read with sub-clause (1) of clause 3 of

The Nationalized Banks (Managem ent and Miscellaneous Provisions)

Scheme, 1970/1980, vide notification No.F.No.6/3/2012-BO.I dated

12.09.2014.

Shri Sanjay Kumar is presently working as Deputy Secretary in

Department of Financial Services, Ministry of Finance. He is presently

handling Debt Recovery Tribunal. Mr. Sanjay Kumar is a 1997 batch

Central Secretariat Services officer who has an overall experience of

15 years while working with Central and State Government across the

departments.

2.4. Board Meetings:

During the year under review, 16 Board Meetings were held on following dates as against minimum of 6 meetings prescribed under Clause 12 of Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1980.

21.04.2014 06.05.2014 26.05.2014 16.06.2014 27.06.2014 21.07.2014 28.07.2014 19.09.2014

31.10.2014 07.11.2014 01.12.2014 31.12.2014 17.01.2015 30.01.2015 14.02.2015 14.03.2015

In addition to the above Board Meetings, Bank has conducted 4 Special Board Meetings one for each quarter as per the directions of the Ministry of Finance vide their letter dated 10.07.2012 as under for discussing major policy and strategic issues

159

21.04.2014 21.07.2014 01.12.2014 14.02.2015

The details of attendance of the Directors at the Board Meetings including Special Board Meetings held during their respective tenure are as under.

2.5. Details of Attendance of the Directors at the Board Meetings:

Sl.No.

Name of Director Period Meetings held during 2014-15

MeetingsAttended

Attendance in last AGM

1. Shri Kishore Sansi*1 01.01.2015 - 31.03.2015 5 5 NA

2. Shri V. Kannan*2 01.04.2014 – 31.12.2014 15 15 YES

3. Shri K. R. Shenoy 01.04.2014 – 31.03.2015 20 20 YES

4. Shri B. S. Rama Rao 01.04.2014 – 31.03.2015 20 20 YES

5. Shri Sanjay Kumar *3 12.09.2014 – 31.03.2015 11 9 NA

6. Shri V. K. Chopra*4 01.04.2014 – 31.07.2014 9 9 YES

7. Smt. Suma Varma 01.04.2014 – 31.03.2015 20 20 YES

8. Shri P. C. Nalwaya*5 01.04.2014 – 19.05.2014 3 3 YES

9. Shri Ashok Gupta*6 01.04.2014 – 10.11.2014 12 9 YES

10. Smt. Bharati Rao*7 07.08.2014 – 31.03.2015 20 18 YES

11 Shri P. Vaidyanathan*8 07.08.2014 – 31.03.2015 20 17 YES

12. Shri H. Harish Ballal*9 01.04.2014 – 24.01.2015 16 16 YES

13. Shri Y. Muralikrishna 01.04.2014 – 31.03.2015 20 20 YES

3. COMMITTEES OF BOARD

In line with the requirements/ directions of SEBI, RBI and Ministry of Finance, the Board has constituted the following Committees of Directors. These Committees provide specific and focused governance for the activities falling within their terms of reference and as per the stipulated guidelines.

1. Management Committee

2. Audit Committee

3. Stakeholder's Relationship Committee

4. Share Transfer Committee

5. Risk Management Committee

6. Committee to Review High Value Frauds 7. Head Office Level Credit Approval Committee 8. Directors’ Promotion Committee 9. Customer Service Committee 10. Remuneration Committee 11. Nomination Committee 12. Committee to decide on supporting candidates in election of shareholder directors 13. IT Steering Committee 14. Committee For Monitoring of Recovery 15. Committee to consider appeals preferred by employees against final orders by the chairman and managing

director as Disciplinary Authority

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16. APAR Review Committee: 17. Corporate Social Responsibility Committee 18. Review Committee in respect of borrowers identified as willful defaulters 19. HR Committee

3.1. Management Committee of Board:

The Management Committee of the Board is constituted in pursuance of Clause 13 of Nationalized Banks’ (Management and Miscellaneous Provisions) Scheme, 1980, read with the directives of the Ministry of Finance, Government of India. Management Committee of the Board has been constituted to consider various business matters of material significance like approval for introduction of new deposit schemes, sanction of limits whether fund based or non fund based, compromise/ write-off, sanction of capital and revenue expenditure, investments, donations etc. The Committee exercises such powers as may be delegated to it by the Board with the approval of Central Government and concurrence of Reserve Bank of India.

During the period under review, the Management Committee of the Board (MCB) met 16 times. The details of meetings of MCB held during the year & the attendance of Director Members are as detailed below:

21.04.2014 05.05.2014 26.05.2014 16.06.2014 27.06.2014 21.07.2014 26.08.2014 19.09.2014

13.10.2014 31.10.2014 22.11.2014 22.12.2014 17.01.2015 30.01.2015 14.02.2015 14.03.2015

3.1.1 Details of Attendance of the Directors at the MCB Meetings:

Sl.No.

Name of Director Designation Period Meetings held during

2014-15

MeetingsAttended

1. Shri Kishore Sansi*1 Chairman 01.01.2015 - 31.03.2015 4 4

2. Shri V. Kannan*2 Chairman 01.04.2014 – 31.12.2014 12 12

3. Shri K. R. Shenoy Executive Director 01.04.2014 – 31.03.2015 16 16

4. Shri B. S. Rama Rao Executive Director 01.04.2014 – 31.03.2015 16 16

5. Smt. Suma Varma Member 01.04.2014 – 31.03.2015 16 15

6. Shri P. C. Nalwaya*5 Member 01.04.2014 – 19.05.2014 2 2

7. Shri Ashok Gupta*6 Member 01.04.2014 – 10.11.2014 10 09

8. Smt. Bharati Rao*7 Member 07.08.2014 – 31.03.2015 14 11

9. Shri P. Vaidyanathan*8 Member 07.08.2014 – 31.03.2015 8 6

10. Shri H. Harish Ballal*9 Member 01.04.2014 – 24.01.2015 10 10

11 Shri Y. Muralikrishna Member 01.04.2014 – 31.03.2015 10 10

3.2 Audit Committee of the Board

The directives of Reserve Bank of India, provisions of Companies Act, 1956 and Listing Agreements govern the formation and functioning of Audit Committee of the Board (ACB). The ACB provides direction as also oversees the operation of the total audit function in the Bank comprising the organization and quality control of internal audit and inspection within the Bank and follows up the statutory/external audit of the Bank and inspections of Reserve Bank of India. All the members of the Committee are financially literate.

161

The functions of Audit Committee include the following:

Overseeing the Bank’s financial reporting process and ensuring correct, adequate and credible disclosure of financial information.

Reviewing with the Management, Quarterly Financial Statements with special emphasis on accounting policies and practices, compliance of accounting standards and other legal requirements concerning financial statements, qualifications in the audit report, compliance with stock Exchange and legal requirements concerning financial institutions, related party transactions etc.

Reviews the findings of investigation by the internal auditors into matters where fraud is suspected or irregularity or failure of internal control system is observed and suggests strengthening of control mechanism.

Interacts with Statutory Central Auditors before the finalization of the annual / half yearly and quarterly accounts and reports, focusing on the changes in accounting policies and practices, qualification in the draft Audit Report etc.

Looking into the reasons for substantial defaults in the payments to the depositors, shareholders, debenture holders and creditors, if any.

Reviewing with the management, the performance of statutory and internal auditors and adequacy of internal control system, discussion with internal auditors of any significant findings and follow up there on.

The Committee specially focuses on the follow up on:

a) Inter Branch Adjustment Accounts

b) Unreconciled long standing entries in Inter Branch Accounts & NOSTRO Accounts

c) Arrears in balancing of books at various branches.

d) Frauds

e) Major areas of house keeping.

The Bank in its appreciation of the fundamentals of Corporate Governance and in pursuance of directives of Reserve Bank of India has constituted an Audit Committee of the Board comprising of 6 Directors, with Non-Executive Independent Director, who is a Chartered Accountant as the Chairman of the Committee.

As per the requirements of RBI, the meetings of the Audit Committee should ordinarily be held at least once in a quarter and not less than six times in a year. During the year, the Audit Committee met 12 times on the following dates:

21.04.2014 05.05.2014 16.06.2014 21.07.2014 28.07.2014 25.08.2014

06.11.2014 07.11.2014 22.11.2014 22.12.2014 30.01.2015 14.03.2015

3.2.1. Details of Attendance of the Directors at the ACB Meetings:

Sl.No.


2014-15

MeetingsAttended

1. Shri. P. Vaidyanathan*8

Shareholder Director-Non Executive

Chairman 07.08.2014 – 31.03.2015 12 10

162

2. Shri. P C Nalwaya*5

Non Official Director-Non Executive (Chartered Accountant)

Chairman 01.04.2014 – 19.05.2014 2 2

3. Shri. K R Shenoy

Executive Director

Executive Director

01.04.2014-31.03.2015 12 12

4. Shri B S Rama Rao

Executive Director

Executive Director

01.04.2014-31.03.2015 12 12

5. Shri Sanjay Kumar*3

GOI Nominee Director- Non Executive

Member 12.09.2014 – 31.03.2015 6 2

6. Shri V.K. Chopra*4


Member 01.04.2014 – 31.07.2014 5 5

7. Smt Suma Varma

RBI Nominee Director-Non Executive

Member 01.04.2014-31.03.2015 12 11

8. Smt. Bharati Rao*7


Member 01.04.2014-31.03.2015 10 10

3.3 Stakeholer's Relationship Committee:

The Stakeholder's Relationship Committee was constituted by the Bank with the purpose of redressal of Shareholders’ and Investors' complaints on matters of their interest.

The Committee monitors the shareholders’ grievances with respect to transfers, transmission, splitting and consolidation of shares issued by the bank and any other grievances of the shareholders. The Committee further monitors the redressal of investors’ complaints in a time bound manner. As per the latest amendment in Clause 49 the committee was renamed as Stakeholder's Relationship Committee.

The Committee met 4 times during the year under review on the following dates.

21.04.2014 21.07.2014 13.10.2014 30.01.2015

3.3.1. Details of Attendance of the Directors at the Stakeholder's Relationship Committee

Sl.No.


2014-15

MeetingsAttended



Chairperson 01.04.2014 - 31.03.2015 4 4

2. Shri K R ShenoyExecutive Director

Executive Director

01.04.2014 - 31.03.2015 4 4

3. Shri B S Rama RaoExecutive Director

Executive Director

01.04.2014 - 31.03.2015 4 4

163

4. Shri P C Nalwaya*5

Non Official Director-Non Executive

Member 01.04.2014 - 19.05.2014 1 1

5. Shri Ashok Gupta*6


Member 01.04.2014 - 10.11.2014 2 1

6. Shri P. Vaidyanathan*8


Chairman 01.04.2014 - 31.03.2015 4 2

7. Shri H. Harish Ballal*9

Officer Employee Director-Non Executive

Member 01.04.2014 - 24.01.2015 1 1

8. Shri Y. MuralikrishnaWorkmen Director-Non Executive

Member 01.04.2014 - 31.03.2015 1 1

3.4. Share Transfer Committee:

Besides the Directors' Sub Committee on Stakeholders’ Relationship Committee, the Bank has constituted a Share Transfer Committee of Directors with Managing Director & CEO or Executive Director (in the absence of MD & CEO) and two non-executive Directors as its members. The Committee met 8 times during the period under review with details as under. Further, some of the share transfers were approved by agendas sent to the Committee members by circulation, which were subsequently approved and ratified in the regular meetings.

21.04.2014 16.06.2014 21.07.2014 26.08.2014

19.09.2014 13.10.2014 22.11.2014 14.03.2015

3.4.1. Details of Attendance of the Directors at the Share Transfer Committee

Sl.No.


2014-15

MeetingsAttended

1. Shri Kishore Sansi*1

Managing Director & CEOChairman 01.01.2015 - 31.03.2015 1 1

2. Shri V. Kannan*2

Chairman & Managing Director

Chairman 01.04.2014 - 31.12.2014 7 7



Member 01.04.2014 - 31.03.2015 6 5



Member 01.04.2014 - 31.03.2015 3 2



Member 01.04.2014 - 24.01.2015 7 7

164

3.5. Risk Management Committee:

In terms of the recommendations of Dr. Ganguly Committee, the Risk Management Committee of the Board was constituted on 23.07.2003, to devise Bank’s Risk Management Policies and strategies for Integrated Risk Management and to co-ordinate with different Risk management Committees in the Bank.

Functions of the Committee

1. To devise the Risk Management Policies and strategies for Integrated Risk Management and to co-ordinate with the different Risk Management Committees in the Bank.

2. Framing policies and guidelines for risk measurement.

3. Management and reporting in all the areas of risk.

4. Ensuring that risk management process (including people, system, operation, limit and control) satisfies Bank’s policy.

5. Ensuring robustness of financial models and the effectiveness of all systems used to calculate risk.

The Committee met 5 times during the period under review with details as under.

26.05.2014 21.07.2014 19.09.2014 01.12.2014 14.02.2015

3.5.1. Details of Attendance of the Directors at the Risk Management Committee

Sl.No.


2014-15

MeetingsAttended



2. Shri V Kannan*2


Chairman 01.04.2014 - 31.12.2014 4 4

3. Shri K. R. ShenoyExecutive Director

Executive Director

01.04.2014 - 31.03.2015 5 5

4. Shri B. S. Rama RaoExecutive Director

Executive Director

01.04.2014 - 31.03.2015 5 5



Member 01.04.2014 - 31.03.2015 1 1



Member 01.04.2014 - 31.03.2015 5 3



Member 01.04.2014 - 10.11.2014 3 2



Member 01.04.2014 - 24.01.2015 3 3


Member 01.04.2014 - 31.03.2015 5 5

165

3.6. Committee to Review High Value Frauds

With a view to provide focused attention on monitoring of frauds involving amounts of Rupees one Crore and above, a Committee of the Board was constituted in terms of the guidelines of Reserve Bank of India.

The Committee met 5 times during the period under review, as under:

16.06.2014 21.07.2014 19.09.2014 17.01.2014 14.03.2015

3.6.1 Details of Attendance of the Directors at the Committee to Review High Value Fraud Cases

Sl.No.


2014-15

MeetingsAttended



2. Shri V. Kannan*2


Chairman 01.04.2014 - 31.12.2014 3 3


Executive Director

01.04.2014 - 31.03.2015 5 5


Executive Director

01.04.2014 - 31.03.2015 5 5


GOI Nominee Director-Non Executive

Member 12.09.2014 - 31.03.2015 3 3

6. Shri V. K. Chopra*4


Member 01.04.2014 - 31.07.2014 2 2



Member 01.04.2014-31.03.2015 3 3



Member 01.04.2014-31.03.2015 5 4



Member 01.04.2014-24.01.2015 1 1


Member 01.04.2014-31.03.2015 4 4

3.7 HEAD OFFICE LEVEL CREDIT APPROVAL COMMITTEE (HLCC)

Board of Directors in its meeting held on 28.12.2011 had approved the constitution of Credit Approval Committee of the Board as per the direction of Government of India vide communication bearing reference no 13/1/2006-BO.1 dated 5th December, 2011. As per the notification, the Committee shall exercise powers of Board with regard to sanction of credit proposals upto ` 400 Crore in case of category ‘A’ Banks having business of ` Three Lakh Crore or more and credit proposals upto ` 250 Crore in case of other nationalized Banks. Credit proposals exceeding the delegated powers of Officials of the Bank including C&MD shall be

166

placed to this Committee for approval. Credit proposals above this limit shall continue to be placed before the Management Committee of the Board for sanctions. Besides sanctioning the credit proposals (funded and non funded), loan compromise/ write off proposals upto an amount of ` 4 crore (excluding fraud cases which will continue to be placed to the MCB) will also be placed to this Committee.

During the year 35 meetings of HLCC were held on the following dates:

05.04.2014 15.04.2014 23.04.2014 06.05.2014 15.05.2014 22.05.2014 27.05.2014

05.06.2014 18.06.2014 26.06.2014 12.07.2014 21.07.2014 04.08.2014 13.08.2014

26.08.2014 03.09.2014 09.09.2014 19.09.2014 25.09.2014 29.09.2014 16.10.2014

23.10.2014 30.10.2014 10.11.2014 22.11.2014 02.12.2014 10.12.2014 17.12.2014

22.12.2014 29.12.2014 28.02.2015 13.03.2015 24.03.2015 27.03.2015 30.03.2015

3.7.1 Details of Attendance of the Members in HLCC meetings:

Sl.No.


2014-15

MeetingsAttended



2. Shri V. Kannan*2


Chairman 01.04.2014 - 31.12.2014 30 30


Executive Director

01.04.2014 - 31.03.2015 35 35


Executive Director

01.04.2014 - 31.03.2015 35 34

5. Shri T. Jayanth PaiGeneral Manager Credit (O)

Member 01.04.2014 - 31.03.2015 11 11

6. Shri B. Shashidhar HedgeGeneral Manager Credit (O)

Member 01.04.2014 - 31.01.2015 25 25

7. Shri A. S. RajeevGeneral Manager Accts

Member 01.04.2014 - 31.03.2015 19 19

8. Shri H. Narayan ShettyGeneral Manager Accts

Member 01.04.2014 - 31.08.2014 15 13

9. Shri Pradeep NaikGeneral Manager Credit (R&R)

Member 01.09.2014 - 31.03.2015 11 11

10. Shri Uday kumar Credit (R&R)

Member 01.04.2014 - 31.08.2014 9 9

11. Smt. Nirmala Sridhar General Manager RMD

Member 17.05.2014 - 31.03.2015 27 26

12. Shri A. C. SwainGeneral Manager Risk Mgt

Member 01.04.2014 - 31.03.2015 10 10

167

Sl.No.


2014-15

MeetingsAttended

13. Shri Satish BallalGeneral Manager Credit (Retail)

Member 01.08.2014 - 31.03.2015 13 13

14. Shri Jayaram Shetty BGeneral Manager Credit (Retail)

Member 01.04.2014 - 31.07.2014 5 5

15. Shri SathyanarayanaDGM Credit (R&R)

Member 01.04.2014 - 31.03.2015 1 1

3.8. Directors’ Promotion Committee

A Special Committee was formed in terms of Regulation 19(2) of the Vijaya Bank (Officers’) Service Regulations, 1982 to review the cases of executives in SMG Scale-V and above. The Committee oversees disciplinary cases and promotions of top executives (Scale VII) of the Bank.

It was constituted for the purpose of review and retirement of officer employees on or at any time after the completion of 55 years of age or at any time after completion of 30 years of total service. The membership comprises of CMD, Executive Directors, Government Director and RBI Nominee Director.

The Committee met 3 times during the period under review as under:

16.06.2014 13.10.2014 17.01.2015

3.8.1. Details of Attendance of the Directors at the Directors Promotion Committee

Sl.No.


2014-15

MeetingsAttended



2. Shri V. Kannan*2


Chairman 01.04.2014 - 31.12.2014 2 2


Executive Director

01.04.2014 - 31.03.2015 3 3


Executive Director

01.04.2014 - 31.03.2015 3 3



Member 12.09.2014 - 31.03.2015 2 2



Member 01.04.2014 - 31.07.2014 1 1

7. Smt Suma VarmaRBI Nominee Director-Non Executive

Member 01.04.2014 - 31.03.2015 3 3

168

3.9 Customer Service Committee

Pursuant to directives of RBI, Customer Service Committee has been constituted by the Board on 08.09.2004.

The Customer Service Committee of the Board is expected to:

1. Oversee the functioning of the Bank’s Adhoc Committee on Procedures and Performance Audit on Customer Services.

2. Address the formulation of a Comprehensive Deposit Policy, incorporating issues such as the treatment of death of a depositor for operations of his account, product approval process, annual survey of depositor satisfaction and triennial audit of such services.

3. Introduce innovative measures for enhancing the quality of customer service and

4. Improve the level of customer satisfaction for all categories of clientele at all times.

The Committee met 4 times during the period under review as under:

26.05.2014 26.08.2014 06.11.2014 14.02.2015

3.9.1 Details of Attendance of the Directors at the Customer Service Committee

Sl.No.


2014-15

MeetingsAttended



2. Shri V Kannan*2


Chairman 01.04.2014 - 31.12.2014 3 3


Executive Director

01.04.2014 - 31.03.2015 4 4


Executive Director

01.04.2014 - 31.03.2015 4 4



Member 01.04.2014 - 31.03.2015 1 1



Member 01.04.2014 - 10.11.2014 2 2



Member 01.04.2014 - 24.01.2015 1 1


Member 01.04.2014 - 31.03.2015 4 4

9. Shri Amarnath HegdeRepresentative of Customers

Member 01.04.2014 - 31.03.2015 4 3

3.10. REMUNERATION COMMITTEE

Remuneration to Whole Time Directors is paid as per Government of India guidelines. In terms of the GOI letter F.No.20/1/2005-BO.1 Dt.09.03.2007, Board of Directors of the Bank constituted the Remuneration

169

Committee on 30.07.2007. The Committee is formed to evaluate the performance linked incentives to whole time Directors, viz., Chairman & Managing Director and the Executive Director, and to award eligible incentive as on 31st March of the relevant year.

The details of remuneration including performance linked incentive paid to CMD, Managing Director & CEO and ED’s during the year 2014-2015 are as detailed below:

Particulars Shri Kishore Sansi(MD & CEO)

Shri V. Kannan(Ex- CMD)

Shri K. R. Shenoy(ED)

Shri B S Rama Rao(ED)

Salary ` 4,68,855.00 ` 14,41,491.30 ` 17,06,509.80 ` 16.56.778.50Pl Encashment on Retirement

– ` 6,38,528.41 – –

Allowances – – – –Contribution on PF ` 22,650.00 ` 69,309.00 ` 82,149.00 ` 79,755.00Other-performanceLinked Incentive

– ` 1,47,945.00 ` 4,00,000.00 ` 2,03,836.00

Other (LFC, Medical, etc.)

– ` 10,554.74 ` 49,176.29 ` 79,843.47

Other Perquisites ` 3740.00 ` 16,830.00 ` 19,200.00 ` 19,200.00Total ` 4,95,245.00 ` 23,24,658.45 ` 22,57,035.09 ` 20,39,412.97Stock Option – – – –

The Non Executive/Independent Directors are not being paid any remuneration, except the Sitting Fees, traveling and halting expenses for attending the meetings of the Board / Committees as per the guidelines of Government of India. The sitting fees are paid as per Government of India directives.

The Committee met once on 26.05.2014 during the period under review.

3.10.1. Details of Attendance of the Directors at the Remuneration Committee

Sl.No.


2014-15

MeetingsAttended

1. Shri V K Chopra*4


Member 01.04.2014-31.07.2014 1 1

2. Smt Suma Varma


Member 01.04.2014-31.03.2015 1 1


Non Official Director - Non Executive

Member 01.04.2014-10.11.2014 1 1

4. Smt Bharati Rao*7


Member 01.04.2014-31.03.2015 1 -

3.11. NOMINATION COMMITTEE

As directed by the Reserve Bank of India, vide their letter DBOD.No.BC.No.47/29.39001 /2007-08 dated 01.11.2007, the Nomination Committee of the Board was constituted on 28.12.2007, to undertake process of due diligence to determine the 'fit and proper' status of existing elected Directors/the persons to be elected

170

as Directors under Sec.9 (3) (i) of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980. The Committee consists of three Directors as members.

The Committee met twice during the period under review on 05.05.2014 & 22.07.2014 and found that the persons elected as Directors fulfill the 'fit and proper' criteria stipulated by the Reserve Bank of India.

3.11.1. Details of Attendance of the Directors at the Nomination Committee

Sl.No.


2014-15

MeetingsAttended

1. Shri V K Chopra*4


Member 01.04.2014-31.07.2014 2 2

2. Smt Suma VarmaRBI Nominee Director-Non Executive

Member 01.04.2014-31.03.2015 1 1

3. Shri P C Nalwaya*5

Non Official Director- Non Executive

Member 01.04.2014-19.05.2014 1 1

4. Shri Ashok Gupta*6 Non Official Director-Non Executive

Member 01.04.2014-10.11.2014 2 2

3.12 COMMITTEE TO DECIDE ON SUPPORTING CANDIDATES IN ELECTION OF SHAREHOLDER DIRECTORS

In line with the Ministry of Finance, GOI directives, the Board in its meeting held on 31.05.2012, approved the constitution of the committee, to take a decision on supporting candidates in the election of shareholder directors, where the Bank has invested in the shares of those companies.

The committee consists of the following members:

1. Chairman & Managing Director- Chairman of the Committee

2. Executive Director/s- Member

3. One Non-Official Director- Member

During the year since there was no such event the Committee has not met.

3.13 IT STRATEGY COMMITTEE:

In line with the guidelines issued by the RBI and IBA recommendations, Board of Directors at its meeting held on 18.02.2012 has constituted the IT Strategy Committee with an outside technical expert as a special invitee and further reconstituted vide A-94/12 dated 10.05.2012 and A-172/14 dated 24.11.2014.

Scope of the functions of the IT Strategy Committee is as under:-

1. To advise the Bank on strategic direction on IT and to review IT investments on Board’s behalf.

2. To approve IT Strategy and Policy documents and ensure that Business Strategy is aligned to IT Strategy.

3. To ascertain that management has implemented processes and practices that ensures that IT delivers value to the business.

4. Monitoring the method the management uses to determine the IT resources needed to achieve strategic

171

goals and provide high level direction for sourcing and use of IT resources.

5. To evaluate effectiveness of management’s monitoring of IT risks and management’s performance in IT implementation.

6. Issuing high level policy guidance related to risk.

During the year the Committee met 4 times as under:

09.06.2014 23.07.2014 22.12.2014 14.03.2015

3.13.1. Details of Attendance of the Directors at the IT Strategy Committee

Sl.No.


2014-15

MeetingsAttended



Chairman 01.04.2014-31.03.2015 4 3


Managing Director & CEOMember 01.01.2015-31.03.2015 1 1

3. Shri V. Kannan*2


Chairman 01.04.2014-31.12.2014 3 3


Executive Director

01.04.2014-31.03.2015 1 1


Executive Director

01.04.2014 - 31.03.2015 4 4

6. Smt. Nirmala Sridhar General Manager – DIT

Member 17.05.2014 - 31.03.2015 4 4

7. Shri Y. Nageshwar Rao General Manager – Planning

Member 01.04.2014 - 31.03.2015 4 4

8. Shri A. C. SwainGeneral Manager HRD

Member 01.04.2014 - 31.03.2015 1 1

9. Shri Jayanth PaiGeneral Manager – Credit (O)

Member 01.04.2014 - 31.03.2015 1 1

10. Shri B. Shashidhar HegdeGeneral Manager – Credit(O)

Member 01.04.2014 - 31.01.2015 3 2

11. Shri Pradeep NaikGeneral Manager – Credit (R&R)

Member 01.09.2014 - 31.03.2015 1 1

12. Shri UdayakumarGeneral Manager – Credit (R&R)

Member 01.04.2014 - 31.08.2014 2 2

13. Prof Sadagopan - IT Expert Member 01.04.2014 - 31.03.2015 4 4

172

3.14 COMMITTEE FOR MONITORING OF RECOVERY

In line with the Ministry of Finance letter dated 21.11.2012; the Board has constituted the committee for Monitoring of recovery to monitor / review the progress in recovery/ management of NPAs in general and of high value accounts of ` 1 Crore and above in particular.

The Committee met 5 times during the period under review, as under:

21.04.2014 16.06.2014 17.01.2015 14.02.2015 14.03.2015

3.14.1 Details of Attendance of the Directors at the Committee for Monitoring of Recovery

Sl.No.


2014-15

MeetingsAttended



Chairman 01.01.2015 - 31.03.2015 3 3

2. Shri V. Kannan*2


Chairman 01.04.2014 - 31.12.2014 2 2

3. Shri K. R. Shenoy

Executive Director

Executive Director

01.04.2014 - 31.03.2015 5 5

4. Shri B. S. Rama Rao

Executive Director

Executive Director

01.04.2014 - 31.03.2015 5 5



Member 12.09.2014 - 31.03.2015 3 3



Member 01.04.2014 - 31.07.2014 2 2

3.15 COMMITTEE TO CONSIDER APPEALS PREFERRED BY EMPLOYEES AGAINST FINAL ORDERS BY THE CHAIRMAN AND MANAGING DIRECTOR AS DISCIPLINARY AUTHORITY

The Committee was formed on 29.03.2010 to consider appeals from employees against final order by the CMD as Disciplinary Authority to protect the interest of employees. The committee consists of GOI Nominee Director, RBI Nominee Director and Non official Director (Chairman of the Audit Committee of the Board)

The Committee met 1 time during the period under review on 28.07.2014

3.15.1 Details of Attendance of the Directors at the Committee to consider appeals preferred by employees against final orders by the Chairman and Managing Director as Disciplinary Authority

Sl.No.


2014-15

MeetingsAttended



Member 01.04.2014 - 31.07.2014 1 1

173

2. Smt. Suma Varma


Member 01.04.2014 - 31.03.2015 1 1

3. Shri P. Vaidyanathan*8 Shareholder Director-Non Executive

Member 01.04.2014 - 31.03.2015 1 1

3.16 APAR REVIEW COMMITTEE:

The Committee was formed on 14.09.2013 for reviewing/upgrading the rating in Annual Performance Appraisal Reports (APAR) for Executives in TEGS-VII and the same was reconstituted on 31.10.2014.

The Committee met once during the period under review on 01.12.2014

3.16.1 Details of Attendance of the APAR Review Committee

Sl.No.


2014-15

MeetingsAttended

1. Shri. Kishore Sansi*1


Chairman 01.01.2015-31.03.2015 ----- -----

2. Shri. V Kannan*2


Chairman 01.04.2014-31.12.2014 1 1



Member 12.09.2014 – 31.03.2015 1 1



Member 01.04.2014-31.03.2015 1 1

3.17 CORPORATE SOCIAL RESPONSIBILITY COMMITTEE:

The Committee was formed on 17.01.2014 for enhancing the scope of work on Corporate Social Responsibility in line with Government guidelines.

The Committee met once during the period under review on 22.12.2014

3.17.1 Details of Attendance of the Corporate Social Responsibility Committee

Sl.No.


2014-15

MeetingsAttended

1. Shri B S Rama Rao

Executive Director

Executive Director

01.04.2014-31.03.2015 1 1

174


Shareholder Director- Non Executive

Member 01.04.2014-31.03.2015 1 1

3. Shri. H. Harish Ballal*9


Member 01.04.2014-24.01.2015 1 1

3.18 REVIEW COMMITTEE IN RESPECT OF BORROWERS IDENTIFIED AS WILLFUL DEFAULTERS:

The Committee was formed on 17th January 2015 as per the recent guidelines of the RBI vide Master circular RBI/2014-15/73 dated 1st July 2014 (updated upto 7th January 2015) to review the grievances of those borrowers identified as Willful defaulters. The committee comprised of MD & CEO as the Chairman and two Non Executive Independent as Members. During the period of review the committee has not met.

3.19 HR COMMITTEE

The Committee was formed recently on 14th February 2015 to address the critical HR issues. The committee comprises of the following members:

1. MD & CEO - Chairman of the Committee

2. Executive Director - Member

3. Executive Director - Member

4. Non Executive Independent Director - Member

5. Non Executive Independent Director - Member

During the period of review the committee has not met.

4. Particulars of Shareholdings of Non-Executive/Shareholder Directors as on 31.03.2015:

Name of Director Number of shares held

1. Smt. Bharati Rao, Shareholder Director 100

2. Shri P. Vaidyanathan, Shareholder Director 2,100

5. CODE OF CONDUCT:

Bank has been following the Code of Conduct as stipulated in clause 49 of the Listing Agreement. Accordingly, confirmation has been obtained from all Directors/ top management personnel on an annual basis for compliance of the same. The code of conduct is hosted in Bank's Website.

6. GENERAL BODY MEETING

The details of the last three Annual General Meeting held are furnished below:

Date Time Venue

29.06.2012 4.00 P.M Mulki Sunder Ram Shetty Auditorium,

Vijaya Bank, M.G. Road, Bangalore.28.06.2013 4.00 P.M

27.06.2014 11.00A.M

175

The following Directors were present during the Fourteenth Annual General Meeting. There was no Special Resolution passed in this meeting:

1. Shri V. Kannan Chairman & Managing Director

2. Shri K. R. Shenoy Executive Director

3. Shri P. C.Nalwaya Non Official Director & Chairman of ACB

4. Smt. Bharathi Rao Shareholder Director

5. Shri P. Vaidyanathan Shareholder Director

6. Shri Ashok Gupta Non Official Director

7. Shri Harish Ballal Officer Employee Director

Shri Ashok Agarwal, Under Secretary, Ministry of Finance, and Government of India was present at the Meeting as an Observer of the Government of India.

7. SHARE TRANSFER SYSTEM & REDRESSAL OF INVESTORS' GRIEVANCES:

Share transfers, dividend payments and all other investor related activities are attended to and processed at the office of our Registrar and Share Transfer Agent. The Bank ensures that all transfer of shares is duly effected within the stipulated period from the date of their lodgments. The Board has constituted Stakeholer's Relationship Committee and In house Executive Committee for share transfer to redressed Shareholder's Grievances and to consider transfer of shares and other related matters. The Committees meet at regular intervals and reviews the status of Stakeholder's Grievances besides confirming transfer of shares.

The Bank has appointed M/s Link Intime India Pvt Limited as its Registrar & Share Transfer Agent whose duty is to process share transfers, dividend payments, recording of shareholders' requests, and resolution of investors’ grievances amongst other activities connected with the issue of shares. The Investors may lodge their transfer deeds/requests/complaints with the Registrar at the following address:

M/s Link Intime India Private Limited (Unit: Vijaya Bank) C-13, Pannalal Silk Mills Compound, L.B.S.Road, Bhandup (West) MUMBAI-400 078 Tel: (022) 25963838, 25946970-78 Fax: (022) 25946969 E-mail: [email protected] and [email protected]

For the convenience of investors, requests for the share transfers and grievances / complaints from shareholders are also accepted at the Bank’s Head Office in Bengaluru at the following address:

General Manager, Board Secretariat (Shares Division) Vijaya Bank, Head Office, 41/2, M.G.Road, Bengaluru Karnataka – 560 001 Telephone : 080 25584066 Extn.514 Fax : 080 25594737. e-mail : [email protected] website : www.vijayabank.com

176

The prompt response and immediate redressal of grievances of shareholders is the utmost concern of the Bank and is fully ensured.

Share Transfer System:

The transfers of Bank’s Equity Shares are effected by our Share Transfer Agent- M/s Link Intime India Private Limited, Mumbai. The share transfer requests, as and when received by them, are scrutinized and if found in order, are processed and sent to Bank's Head Office for approval.

The lists of requests for share transfers/ dematerialization/ rematerialization/ split/ replacement/ consolidation etc., are placed before the Share Transfer Committee of the Board for approval. After getting the approval from the Share Transfer Committee, M/s Link Intime India Private Limited effects the transfers, demat etc., and sends it to the shareholders. The Bank ensures that all transfers of shares are duly effected within the stipulated period from the date of their lodgment.

As per Clause 47 of the Listing Agreement with Stock Exchanges, a report on share transfers effected by the R & T Agent and approved by the Share Transfer Committee is placed before the Board of Directors of the Bank for information.

Number of Complaints received, resolved and pending

All the complaints from shareholders are received directly by M/s. Link Intime India Private Limited, Mumbai and those received by the bank are forwarded to them. The details of requests / complaints received and resolved during 2014-2015 and pending as on 31.03.2015 are as follows:

Particulars Pending As on 01.04.2014

Received Resolved Pending As on 31.03.2015

a) No. of Requests NIL 6224 6224 NIL

b) No. of Complaints NIL 2640 2640 NIL

None of the above complaints were pending for more than one month. As on 31.03.2015, no share transfer requests were pending at our end.

8. DISCLOSURE, COMMUNICATION AND RELATIONSHIP WITH SHAREHOLDERS

There are no materially significant Related Party Transactions of the Bank with its Promoters/ Directors, Management, their Subsidiaries and/or Relatives that would have potential conflict with the interests of the Bank at large.

The Bank has complied with all the requirements regarding capital market related matters and has not been imposed any penalty or stricture by the Stock Exchanges or SEBI or any other statutory authorities during the financial year 2013-14. The Bank has conducted the Annual General Meeting and paid dividend to the eligible shareholders within the statutory time frame.

Information relating to Bank is sent mainly through the Annual Report which includes the Chairman’s Statement, the Directors Report, Audited Accounts, Cash Flow Statements etc. The shareholders are also intimated on the quarterly, half yearly and annual performances through publication in news papers, intimation to stock exchanges, press releases and also through Bank’s website www.vijayabank.com.

During the financial year the quarterly financial results were published in leading newspapers namely Business Standard (English), Business Line (English), Economic Times (English), The New Indian Express (English), Financial Express (English), Deccan Herald (English), Jansatta (Hindi), Prajavani (Kannada), Udayavani (Kannada), Kannada Prabha (Kannada) and Vijaya Karnataka (Kannada). The results are also displayed on the web site of the bank www.vijayabank.com.

177

9. MANDATORY AND NON-MANDATORY REQUIREMENTS

9.1 The Bank has complied with all the applicable mandatory requirements as provided in Clause 49 of the Listing Agreement entered into with the Stock Exchanges.

The extent of implementation of New Mandatory requirements is furnished hereunder:

REQUIREMENT COMPLIANCE

9.1.1 Training of Board Members The Board Members are imparted training, by deputing them for training programmes conducted by Reputed Agencies. A complete overview of Business Model along with the Government Guidelines regarding their responsibilities and code of conduct is given to each Member.

9.1.2 Mechanism for evaluating non-executive Board Members

Composition of Board of Directors is regulated by the Banking Companies (Acquisition and Transfer of Undertaking) Act, 1980 and the Nationalized Banks (Management and Miscellaneous Provisions) scheme, 1980. Hence this clause is not applicable for us.

9.1.3 Whistle Blower Policy As a responsible public sector organization, the Bank believes in conducting its affairs in a fair and transparent manner by adopting the highest standards of professionalism, honesty, integrity and ethical behavior. The Bank is committed to develop a culture, where it is safe for all, who raise alarm about any unacceptable/unethical practice or misconduct at any level. To ensure the highest standard of honesty, integrity and ethical behavior and to address the related issues, call for protection of bona fide concerns of informers, be it employees or other stakeholders including general public against victimization, harassment or vexed disciplinary proceedings, the Bank has formulated a Whistle Blower Policy of its own in line with the guidelines issued by Central Vigilance Commission (CVC) and SEBI.

9.2 The extent of implementation of non-mandatory requirements is furnished hereunder.

REQUIREMENT COMPLIANCE

9.2.1 A Non-Executive Chairman should be entitled to maintain the Chairman’s office at the company’s expense and also be allowed reimbursement of expenses incurred in performance of his duties.

The Bank is headed by an Executive Chairman appointed by Government of India and as such this requirement is not applicable.

178

9.2.2 The half-yearly declaration of financial performance including summary of the significant events in last six-months, should be sent to each household of shareholders.

The Bank sends yearly financial results along with the summary of significant developments during the year, to all the shareholders. Bank’s quarterly financial results are published through Newspapers, Stock Exchanges and also through Bank’s Website, after approval of the same by the Board of Directors.

10. SHAREHOLDERS' INFORMATION:

The Bank is a Scheduled Commercial Bank having its Head Office at Bengaluru. The Bank has its presence in all parts of the country with 1618 network of Branches as on 31.03.2015. The Bank's shares are listed on the following major Stock Exchanges:

1) Bombay Stock Exchange Limited Corporate Relationship Department, 1st Floor, New Trading Ring, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai-400 001 BSE CODE: 532401

2) National Stock Exchange of India Ltd Exchange Plaza, 5th Floor, Plot No.C/1, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400 051 NSE CODE : Vijaya Bank EQ AE BE BT

Note: Bangalore Stock Exchange has submitted their voluntary de-recognition request and accordingly SEBI has issued an Exit order to BgSE. Bank stands delisted from BgSE as on 31.03.2015.

The annual listing fees to the Stock Exchanges for the year 2014-15 have been paid within prescribed due dates.

10.1. Dematerialisation of Securities:

Dematerialisation of shares of the Bank is not compulsory but the Bank has its shares Dematerialised with National Securities Depository Ltd and Central Depository Services (India) Limited. Bank has been allotted ISIN Code No. INE705A01016 for the Dematerialised Equity Shares. There is normal liquidity as the shares of the Bank are dealt with at two Stock Exchanges. Bank has complied with SEBI requirements with regard to Share Capital Audit for the purpose of reconciliation of the total admitted capital with both the depositories i.e. NSDL and CDSL and the total issued and listed capital of the Bank and in respect of other matters covered under the directions of SEBI, by a practising Company Secretary.

Particulars of shares held in Demat and Physical form held by the Equity Shareholders as of 31.03.2015 are as under:

No of share holders No. of shares PercentageShareholding

DEMAT

President of India 1 63,62,47,049 74.06

179

Others in NSDL 1,44,508 17,17,75,189 19.99

Others in CDSL 59,648 2,76,02,466 3.21

Total 83,56,24,704 97.26

PHYSICAL

OTHERS 71,643 2,34,94,603 2.74

Grand Total 2,75,800 85,91,19,307 100

10.2. Dividend paid by the Bank during the year 2014-2015:

During the year 2014-15, Bank paid a final dividend of 10% to the shareholders pertaining to the financial year 2013-14. The dividend was recommended by the Board of Directors of the Bank in its Board Meeting held on 06.05.2014 and the same was declared by the shareholders in the Fourteenth Annual General Meeting held on 27.06.2014. Book closure for the purpose of AGM and payment of final dividend for the year 2013-14 was fixed from 24.06.2014 to 27.06.2014. All the Dividend Warrants were dispatched/ECS credit was effected by 15.07.2014.

10.3 Share Capital of the Bank:

As per section 3 (2A) of Banking Companies (Acquisition and Transfer of Undertaking) Act 1980, the Central Government, may after consultation with RBI and by notification in the Official Gazette, increase or reduce the Authorized Capital as it thinks fit, and after such increase or reduction, the Authorized Capital shall not exceed three thousand Crore of rupees or should not be less than one thousand five hundred Crore of rupees.

The Government of India vide notification dated 10/11/2009 increased the Authorized Capital of the Bank from ` 1500 Crore to ` 3000 Crore. Accordingly Authorized Capital of the Bank at present is ` 3000 Crore divided into 300 Crore fully paid shares of ` 10 each.

At present, Government of India holds 74.06% Equity Share Capital of the Bank and is the major shareholder of the Bank. The details of present Paid up Capital of the Bank is as follows:

(` in Crore) Authorised Capital:

300 Crore Shares of ` 10 each ` 3000.00

Paid up Capital:

85,91,19,307 Equity Shares of ` 10 each ` 859.12

Total Paid up Capital ` 859.12

Table 1: Category wise Distribution of Equity Shareholding as on 31.03.2015

Category No. of Shares held Percentage of Shareholding

A Promoter’s Holding

1 Promoters

- Indian Promoters (Govt Of India) 63,62,47,049 74.06

- Foreign Promoters – –

180

2 Persons Acting In Concert

Sub-Total 63,62,47,049 74.06

B Non-Promoters Holding

3 Institutional Investors

a) Mutual Funds & UTI – –

b) Banks, Financial Institutions, Insurance Companies, (Central/state Institutions/Non-Government Institutions)

6,97,30,013

8.12

c) FIIs/FMFs 2,59,80,147 3.02

Sub- Total 9,57,10,160 11.02

C Others

a) Private Corporate Bodies 1,37,79,212 1.6

b) Indian Public 10,95,36,850 12.75

c) NRIs/OCBs 29,75,336 0.35

d) Any Other (Clg Member & Market Maker) 8,70,500 0.10

e) Foreign Nationals 200 0.0001

Sub -Total 12,71,62,098 14.81

GRAND TOTAL 85,91,19,307 100

Table 2: Total Foreign shareholding as on 31.03.2015

SlNo.

Particulars Number of Shares Percentage of Shareholding

1 GDR & ADR holding - Nil - - Nil -

2 Foreign Promoters - Nil - - Nil -

3 Foreign Institutional Investors 2,59,80,147 3.02

4 Foreign Mutual Funds - Nil - - Nil -

5 NRIs 29,75,336 0.35

6 Foreign Banks - Nil - - Nil -

7 Foreign National 200 0.0001

Total 2,89,55,683 3.37

Table 3: List of Shareholders holding more than 1% of equity shares of the bank as on 31.03.2015.

Sl.No.

Name of share Holders No. of shares Held

Percentage of Shareholding

Category

1 President of India 63,62,47,049 74.06 Indian promoter

2 LIC of India 4,92,61,826 5.73 Govt. SponsoredFinancial Institution

181

10.4. Stock Market Data

The monthly high & low quotations and the volume of shares traded on for NSE and BSE for the period April 2014 to March 2015 are as follows:

NATIONAL STOCK EXCHANGE OF INDIA LIMITED (NSE)

Month High (`) Low (`) Close (`) Close Date Volume of Shares

Traded

NSE

NIFTY

April 2014 41.50 38.50 41.15 30.04.2014 15812079 6428.49

May 2014 58.75 39.55 50.20 30.05.2014 60740247 29030.13

June 2014 58.10 49.65 55.45 30.06.2014 49683484 27087.04

July 2014 57.35 48.20 48.70 31.07.2014 36318285 19217.62

August 2014 49.70 43.70 45.15 28.08.2014 14522304 6719.62

September 2014 49.90 44.55 48.00 30.09.2014 16623343 7777.29

October 2014 48.50 45.60 47.60 31.10.2014 8531048 4006.31

November 2014 53.05 47.75 51.10 28.11.2014 13908795 6975.57

December 2014 51.75 44.50 50.55 31.12.2014 13772557 6703.18

January 2015 53.25 48.45 49.70 30.01.2015 13217679 6655.21

February 2015 51.20 47.35 48.50 28.02.2015 7172054 3525.24

March 2015 49.20 43.60 46.50 31.03.2015 6688483 3087.48

0

10

20

30

40

50

60

0

5000

10000

15000

20000

25000

30000

35000

BANK'S SHARE PRICE Vs NSE INDEX NSE NIFTY

SHARE PRICE

182

BOMBAY STOCK EXCHANGE LIMITED (BSE)

Month High(`)

Low(`)

Close(`)

Close Date Volume of Shares

Traded

BSESENSEX

April 2014 44.45 38.80 40.95 30.01.2014 3714949 1512.76

May 2014 53.75 40.20 50.05 30.05.2014 15156805 7276.26

June 2014 58.35 49.65 55.40 30.06.2014 12058568 6570.89

July 2014 57.35 48.15 48.70 31.07.2014 7933340 4179.06

August 2014 49.15 43.75 45.10 28.08.2014 2319595 1072.82

September 2014 49.60 44.50 47.85 30.09.2014 2765008 1294.59

October 2014 48.45 45.80 47.60 31.10.2014 1069219 503.17

November 2014 52.90 47.75 51.00 28.11.2014 3183133 1596.18

December 2014 52.80 44.60 50.15 31.12.2014 2960836 1436.57

January 2015 53.15 47.55 49.70 30.01.2015 2565790 1291.19

February 2015 50.50 47.25 48.15 28.02.2015 1363909 668.84

March 2015 50.70 43.75 46.50 31.03.2015 1235216 567.76

0

10

20

30

40

50

60

0

1000

2000

3000

4000

5000

6000

7000

8000

BANK'S SHARE PRICE Vs BSE INDEX BSE SENSEX

SHARE PRICE

183

10.6. Value wise Distribution of Share holding of Vijaya Bank as on 31.03.2015

Shareholding of Nominal value. `

Shareholders Shares

Nos. Percentage Amt in ` Percentage

1 to 500 239358 86.7868 382386560 4.4509

501 to 1000 23321 8.4558 201656110 2.3472

1001 to 2000 7857 2.8488 120574780 1.4035

2001 to 3000 1863 0.6755 47510060 0.5530

3001 to 4000 1020 0.3698 37350320 0.4348

4001 to 5000 634 0.2299 30128070 0.3507

5001 to 10000 973 .3528 72827560 0.8477

10001 and above 774 0.2806 7698759610 89.6122

TOTAL 275800 100.00 8591193070.00 100.00

Kishore Sansi


K. R. Shenoy

Executive Director

B. S. Rama Rao

Executive Director

Sanjay kumar

Director

Suma Varma

Director

Bharati Rao

Director

Y. Muralikrishna

Director

Place: BengaluruDate: 12.05.2015

184

To

The Members of Vijaya Bank

We have examined the compliance of conditions of Corporate Governance by VIJAYA BANK for the year ended on 31st March 2015, as stipulated in Clause 49 of the Listing Agreement of the said Bank with Stock Exchanges.

The compliance of conditions of Corporate Governance is the responsibility of the Management. Our examination was limited to procedures and implementation thereof, adopted by the Bank for ensuring the compliance of the conditions of Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of the Bank.

We wish to bring to your notice that in respect of "Consitution of Board of Directors, Audit Committee / Other Committees, Remuneration of Directors, Board Procedures / Related Party Transactions / Whistle Blower / Management and Compliance", as stipulated under Clause 49 of the Listing Agreement, the Bank is governed by the provisions stipulated under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980, Banking Regulation Act, 1949, Nationalised Banks (Management and Miscellaneous Provisions) Scheme 1980 and RBI Directives / GOI Guidelines / ICAI - Accounting Standards whenever applicable. The Bank has therefore complied with the conditions of Corporate Governance as stipulated in the above mentioned Listing Agreement to the extent these do not violate RBI guidelines.

We state that no investor grievance is pending for a period exceeding one month, against the Bank, as per the records maintained by the Stakeholder's Relationship Committee and as certified by the Registrar & Share Transfer Agent of the Bank.

We further state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiency or effectiveness with which the Management has conducted the affairs of the Bank.

AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE

For N C Mittal & CoChartered Accountants

Partner

For M/s Karra & CoChartered Accountants

Partner

For M/s. KPMC & AssociatesChartered Accountants

Partner

For M/s. PKF Sridhar & Santhanam LLPChartered Accountants

Partner

Place: BengaluruDate: 12.05.2015

185

BALANCE SHEET AS AT 31st MARCH, 2015

PARTICULARSSchedule

No.[` 000’s omitted]

As on 31.03.2015 As on 31.03.2014

CAPITAL AND LIABILITIES

Capital 1 859 11 94 859 11 94

Reserves and Surplus 2 5300 63 50 5028 80 44

Deposits 3 126343 35 06 124296 15 93

Borrowings 4 7278 19 36 4744 79 86

Other Liabilities and Provisions 5 2861 79 31 2429 73 11

TOTAL 142643 09 17 137358 61 28

ASSETS

Cash and Balance with Reserve Bank of India 6 6534 29 47 5540 20 76

Balance with Banks and Money at Call and Short Notice 7 817 53 70 3917 44 83

Investments 8 44522 09 86 42585 38 48

Advances 9 86695 86 33 81504 03 21

Fixed Assets 10 566 64 48 528 94 55

Other Assets 11 3506 65 33 3282 59 45

TOTAL 142643 09 17 137358 61 28

Contingent Liabilities 12 14092 25 19 13130 99 95

Bills for Collection 2468 85 24 2227 43 58

Accounting Policies 17

Notes on Accounts 18

Significant Accounting Policies and the Schedules referred to above form an integral part of the Balance Sheet.

KISHORE SANSI Managing Director & CEO

K. R. SHENOY Executive Director

B. S. RAMA RAO Executive Director

SANJAY KUMAR Director

SUMA VARMA Director

BHARATI RAO Director

Y. MURALIKRISHNA Director

A. S. RAJEEV General Manager

AS PER OUR REPORT OF EVEN DATEFor M/s KARRA & CO. Chartered Accountants

Registration No: 001749S

For M/s N C MITTAL & CO. Chartered Accountants

Registration No: 000237N

K.PREMKUMAR Partner

Membership No:019170

[N C MITTAL] Partner

Membership No:14213

For M/s KPMC & ASSOCIATES Chartered Accountants

Registration No: 05359C

For M/s PKF SRIDHAR & SANTHANAM LLPChartered Accountants

Registration No: 003990S/S200018

[SANJAY MEHRA] Partner


[S RAJESHWARI ]Partner


Place : BengaluruDate : 12.05.2015

186

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st MARCH, 2015

PARTICULARS ScheduleNo.

[` 000’s omitted]For the year ended

31.03.2015For the year ended

31.03.2014

I. INCOME Interest Earned 13 12273 52 65 10706 55 69 Other Income 14 878 96 41 709 87 43 TOTAL 13152 49 06 11416 43 12II. EXPENDITURE Interest Expended 15 9981 24 73 8623 14 76 Operating Expenses 16 1912 21 20 1689 55 33 Provisions and Contingencies 819 62 19 687 82 17

TOTAL 12713 08 12 11000 52 26III. PROFIT / LOSS Net Profit for the year 439 40 94 415 90 86 Add: Profit brought forward 934 27 54 958 98 84 Less: Creation of DTL on Special Reserve U/s 36(1)(viii) - 157 62 10 Add: Transfer from General Reserve - -

TOTAL 1373 68 48 1217 27 60IV. APPROPRIATIONS Transfer to Statutory Reserve 109 85 24 103 97 72 Transfer to Special Reserve in terms of Sec. 36 (1) (viii) of the Income Tax Act - - Transfer to Capital Reserve 6 54 18 13 64 01 Transfer to General Reserve - - Interim Dividend (inclusive of tax) - 64 87 06 Proposed Dividend - Equity Share Capital (inclusive of tax) 155 10 28 100 51 27 Proposed Dividend Preference Share Capital (inclusive of tax) - - Balance carried forward to Balance Sheet 1102 18 78 934 27 54

TOTAL 1373 68 48 1217 27 60 Earnings Per Share - Basic (In Rs.) 5.11 7.64 - Diluted (In Rs.) 5.11 7.64 Accounting Policies 17 Notes on Accounts 18

Significant Accounting Policies and the Schedules referred to above form an integral part of the Profit & Loss Account.





SUMA VARMA Director








K.PREMKUMAR Partner



Membership No:14213










187

SCHEDULES TO BALANCE SHEET AND PROFIT & LOSS ACCOUNT

[` 000’s omitted]

PARTICULARS As on 31.03.2015 As on 31.03.2014

SCHEDULE - 1 :

CAPITAL

AUTHORISED CAPITAL 3000 00 00 3000 00 00

300,00,00,000 Shares of Rs.10/- each

ISSUED, SUBSCRIBED AND CALLED UP CAPITAL

85,91,19,307 Equity Shares of Rs.10/- each (Previous year 85,91,19,307 Equity shares of Rs.10/- each)

859 11 94 859 11 94

PAID UP CAPITAL

(a) Held by Central Government 63,62,47,049 Equity Shares of Rs.10/- each (Previous year 63,62,47,049 Equity shares of Rs.10/- each)

636 24 71 636 24 71

(b) Held by the Public and Others 22,28,72,258 Equity Shares of Rs.10/- each (Previous year 22,28,72,258 )

222 87 23 222 87 23

TOTAL 859 11 94 859 11 94

SCHEDULE - 2 :

RESERVES AND SURPLUS

I. STATUTORY RESERVE

Balance as per last Balance Sheet 1337 71 96 1233 74 25

Add : Additions during the year 109 85 24 103 97 71

TOTAL 1447 57 20 1337 71 96

II. CAPITAL RESERVE


Add : Additions during the year 6 54 18 13 64 01

TOTAL 358 43 64 351 89 46

III. SHARE PREMIUM


Add : Additions during the year - 1086 41 97

TOTAL 1679 39 85 1679 39 85

IV. REVALUATION RESERVE


Add : Additions during the year - -

Less : Deduction on account of depreciation adjusted from Profit & Loss Account 12 47 60 13 63 13

TOTAL 236 51 67 248 99 27

188

[` 000’s omitted]


V. REVENUE AND OTHER RESERVES

[a] Special Reserve in terms of Sec.36 (1) (viii) of the Income Tax Act


Add : Additions during the year - -

TOTAL 463 72 74 463 72 74

[b] General Reserve


Add/(Less) : Transfer during the Year - -

TOTAL 12 79 62 12 79 62

[c] Balance in Profit & Loss Account 1102 18 78 934 27 54

TOTAL 1102 18 78 934 27 54

TOTAL [a+b+c] 1578 71 14 1410 79 90

TOTAL { I+II+III+IV+V} 5300 63 50 5028 80 44

SCHEDULE - 3 :

DEPOSITS

DEPOSITS IN INDIA

I. Demand Deposits

i) From Banks 17 74 14 15 57 53

ii) From Others 6690 78 01 5881 67 32

II. Savings Bank Deposits 19031 05 36 16977 97 64

III. Term Deposits

i) From Banks 44 00 95 323 10 63

ii) From Others 100559 76 60 101097 82 81

TOTAL 126343 35 06 124296 15 93

SCHEDULE - 4 :

BORROWINGS

I. BORROWINGS IN INDIA

i) Reserve Bank of India - 350 00 00

ii) Other Banks - -

iii) Other Institutions & Agencies 4028 19 36 2644 79 86

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SCHEDULE - 4 : (Contd..)iv) Sub-ordinated Debts - Bonds 1) 10 Years & 3 months Bonds 2015 @ 7.15% 250 00 00 250 00 00 2) 10 Years Bonds 2016 @ 9.25% 250 00 00 250 00 00 3) 15 Years Bonds 2022 @ 10.10% 300 00 00 300 00 00 4) 10 Years & 3 months Bonds 2017 - 9.50% 200 00 00 200 00 00 5) 10 Years & 4 Months Bonds 2018 - 9.35% 200 00 00 200 00 00 6) 15 Years Bonds 2023 - 9.45% 300 00 00 300 00 00 7) 10 Years Bonds 2023 - 9.73% 250 00 00 250 00 00 8) 10 Years Bonds 2024 - 9.15% 500 00 00 - 9) Perpetual Additional Tier I Bonds 2024 - 9.54% 100 00 00 - 10) 10 Years Bonds 2025 - 8.62% 500 00 00 - 11) Perpetual Additional Tier I Bonds 2024 - 10.40% 400 00 00 -

II. BORROWINGS OUTSIDE INDIA - - TOTAL 7278 19 36 4744 79 86

SCHEDULE - 5 : OTHER LIABILITIES AND PROVISIONS (i) Bills Payable 473 67 86 417 15 42 (ii) Interest Accrued 289 16 55 325 22 24 (iii) Provision against standard assets 465 15 53 424 01 53 (iv) Others [including Provisions] 1559 82 49 1051 45 13 (v) Inter Office Adjustments [net] 50 88 95 136 76 30 (vi) Deferred Tax Liability (Net) 23 07 93 75 12 49

TOTAL 2861 79 31 2429 73 11

SCHEDULE - 6 : CASH AND BALANCES WITH RESERVE BANK OF INDIAI. Cash in Hand [including foreign currency notes] 493 80 86 373 49 97II. Balances with Reserve Bank of India in Current Accounts 6040 48 54 5166 68 72III. Balances with Reserve Bank of India in Other Accounts 7 2 07

TOTAL 6534 29 47 5540 20 76

SCHEDULE - 7 : BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICEI. IN INDIA (i) Balances with Banks a) in Current Accounts 78 24 57 76 37 89 b) in Other Deposit Accounts 64 63 (ii) Money at Call and Short Notice a) with Banks 3 00 00 00 22 48 13 61 b) with Other Institutions 1 71 40 25 879 43 25

TOTAL 549 65 46 3203 95 38

[` 000’s omitted]


190

II. OUTSIDE INDIA *

a) in Current Accounts 12 19 53 97 09 76

b) in Other Deposit Accounts 255 68 71 616 39 69

TOTAL 267 88 24 713 49 45

TOTAL {I+II} 817 53 70 3917 44 83

*Includes pipeline and unadjusted items in Nostro Mirror Balances

SCHEDULE - 8 :

INVESTMENTS

INVESTMENTS IN INDIA [GROSS] 44698 33 78 42833 77 92

Less : Provision for Depreciation and Non Performing Investments 176 23 92 248 39 44

Net Investments in India 44522 09 86 42585 38 48

Break up :

i) Government Securities 34930 20 17 33263 69 52

ii) Other Approved Securities 2 66 87 2 53 17

iii) Shares 197 37 66 188 24 54

iv) Debentures & Bonds 3842 37 01 3710 53 42

v) Investments in Associates (on Equity Method) - -

vi) Others (Units, Kissan/Indira Vikas Patra, NABARD- RIDF, PSU Deposits) 5549 48 15 5420 37 83

TOTAL 44522 09 86 42585 38 48

SCHEDULE - 9 :

ADVANCES

[A] i) Bills Purchased & Discounted 1588 15 73 1921 78 92

ii) Cash Credits, Overdrafts & Loans Repayable on Demand 30329 62 18 32786 52 05

iii) Term Loans 54777 83 44 46795 46 45

iv) Claim receivable under Agricultural Debt Waiver Scheme - 2008 24 98 25 79

TOTAL 86695 86 33 81504 03 21

[B] i) Secured by Tangible Assets [includes advance against book debts] 73497 63 47 62369 86 51

ii) Covered by Bank/Government Guarantees 3141 63 22 3732 86 76

iii) Unsecured 10056 34 66 15401 04 15

iv) Claim receivable under Agricultural Debt Waiver Scheme - 2008 24 98 25 79

TOTAL 86695 86 33 81504 03 21

[C] Advances in India

i) Priority Sector 27537 65 85 22070 55 72

ii) Public Sector 3096 26 53 15002 61 12

iii) Banks 457 48 93 1173 01 69

iv) Others 55604 20 04 43257 58 89

v) Claim receivable under Agricultural Debt Waiver Scheme 2008 24 98 25 79

TOTAL 86695 86 33 81504 03 21

[` 000’s omitted]


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SCHEDULE - 10 : 31.03.2015 31.03.2014

FIXED ASSETS

I. PREMISES

Gross Block [at cost/re-valued amount]

As per last Balance Sheet 607 34 79 591 25 90

Additions during the year 88 27 16 08 89

Deductions during the year - -

608 23 06 607 34 79

Depreciation


Add : Depreciation charged during the year 15 66 94 17 05 88

Less : Deduction during the year - -

Depreciation to date - includes on account of

revaluation Rs. 22,47,874 thousands (Previous year : 21,11,559 thousands)

296 40 02 280 73 08

Written Down Value 311 83 04 326 61 71

II. OTHER FIXED ASSETS

[including Furniture & Fixture]

Gross Block (at cost)

As per last Balance Sheet 633 67 81 536 41 76

Additions during the year 106 16 09 115 32 31

739 83 90 651 74 07

Deductions during the year 11 22 01 18 06 26

728 61 89 633 67 81

Depreciation


Add : Depreciation charged during the year 51 66 20 60 91 88

483 01 17 448 18 68

Less : Deduction during the year 9 20 72 16 83 71

Depreciation to date 473 80 45 431 34 97

Written Down Value* 254 81 44 202 32 84

TOTAL 566 64 48 528 94 55

[` 000’s omitted]


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SCHEDULE - 11 :

OTHER ASSETS

i. Interest accrued 1004 03 06 895 61 50

ii. Tax paid in Advance/Tax Deducted at Source [net of provision] 1750 70 80 1685 73 94

iii. Deferred Tax Asset (Net) - -

iv. Stationery & Stamps 1 59 90 1 37 89

v. Non-banking assets acquired in satisfaction of claims 7 62 7 62

vi. Others [net of provision] 750 23 95 580 67 25

vii. Unamortisation-Gratuity & Pension - 119 11 25

viii. Inter-office adjustments (Net) - -

TOTAL 3506 65 33 3282 59 45

SCHEDULE - 12 :

CONTINGENT LIABILITIES

i. Claims against the Bank not acknowledged as debts 295 33 72 77 84 56

ii. Liability for Partly Paid Investments - -

iii. Liability on account of Outstanding Forward Exchange Contracts 4249 74 07 5098 90 86

iv. Guarantees given on behalf of Constituents- in India 6267 85 12 5210 36 72

v. Acceptances, Endorsements and Other Obligations 1301 01 28 1403 25 72

vi. Other items for which the Bank is contingently liable 1949 71 37 1314 50 86

vii. Capital contracts remaining to be executed 28 59 63 26 11 23

TOTAL 14092 25 19 13130 99 95

[` 000’s omitted]


193

[` 000’s omitted]

PARTICULARSFor the

year ended 31.03.2015

For the year ended 31.03.2014

SCHEDULE - 13 :

INTEREST EARNED

i. Interest/Discount on advances/bills 8608 72 18 7713 61 27

ii. Income on Investments 3346 86 54 2605 01 89

iii. Interest on Balances with Reserve Bank of India & other Inter-bank funds 3 08 16 3 04 91

iv. Others 314 85 77 384 87 62

TOTAL 12273 52 65 10706 55 69

SCHEDULE - 14 :

OTHER INCOME

i. Commission, Exchange & Brokerage 116 21 59 100 37 54

ii. Profit on Sale of Investments 323 13 23 234 15 97

Less: Loss on Sale of Investments 24 60 57 43 90 98

298 52 66 190 24 99

iii. Profit/(Loss) Net on revaluation of Investments - -

Less: Amortisation of premium on HTM securities - -

- -

iv. Profit on Sale of Land, Building & Other Assets 19 13 16 79

Less: Loss on Sale of Land, Building & Other Assets 69 61 37 62

- 50 48 - 20 83

v. Profit on Exchange Transactions 54 35 95 69 12 09

Less: Loss on Exchange Transactions 9 12 1 70

54 26 83 69 10 39

vi. Miscellaneous Income 410 45 81 350 35 34

TOTAL { i+ii+iii+iv+v+vi } 878 96 41 709 87 43

SCHEDULE - 15 :

INTEREST EXPENDED

i. Interest on Deposits 9699 60 32 8355 53 12

ii. Interest on Reserve Bank of India/Inter-Bank borrowings 1 74 86 1 32 37

iii. Others 279 89 55 266 29 27

TOTAL 9981 24 73 8623 14 76

194

SCHEDULE - 16 :

OPERATING EXPENSES

i. Payments to and provisions for employees 1165 55 10 1039 80 47

ii. Rent, Taxes and Lighting 147 79 73 128 12 31

iii. Printing & Stationery 13 71 61 13 43 67

iv. Advertisement and Publicity 10 36 03 10 90 49

31.03.2015 31.03.2014

v. Depreciation on Banks' Property 67 00 83 77 77 74

Less: Depreciation adjusted from

Revaluation Reserve 12 47 59 13 63 12 54 53 24 64 14 62

vi. Directors' Fees, Allowances & Expenses 57 08 81 09

vii. Auditors' Fees & Expenses [inclusive of Branch Auditors] 10 77 27 15 20 62

viii. Law charges 74 16 63 61

ix. Postage, Telegrams, Telephones etc., 26 20 80 21 14 62

x. Repairs and Maintenance 4 65 96 3 66 03

xi. Insurance 121 85 09 94 70 33

xii. Other Expenditure 355 45 13 296 97 47

TOTAL 1912 21 20 1689 55 33

[` 000’s omitted]

PARTICULARSFor the

year ended 31.03.2015






SUMA VARMA Director








K.PREMKUMAR Partner



Membership No:14213










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SCHEDULE – 17

SIGNIFICANT ACCOUNTING POLICIES 2014-15

1) ACCOUNTING CONVENTION

The financial statements have been prepared by following the going concern concept on historical cost basis except as otherwise stated and in accordance with Companies (Accounting Standards) Rules, 2006 to the extent applicable read with guidelines issued by the Reserve Bank of India (RBI) and conform to the statutory provisions and practices prevailing within the banking industry in India.

The preparation of the financial statements, in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues, expenses and disclosure of contingent liabilities in the financial statements. Management believes that the estimates used in the preparation of the financial statements are prudent and reasonable. Any revisions to the accounting estimates are recognised prospectively in current and future periods.

2) FOREIGN EXCHANGE TRANSACTIONS

I. Transactions other than FCNR/EEFC/RFC Accounts

a) Foreign Currency balances both under assets and liabilities and outstanding forward exchange contracts and swaps are evaluated at the year end rates as quoted by Foreign Exchange Dealers' Association of India (FEDAI). The resultant profit/loss is included in Profit / Loss Account.

b) Income and expenditure items have been translated at the exchange rates ruling on the dates of the transactions.

c) Contingent liabilities on account of acceptances, endorsements and other obligations including guarantees and Letters of Credit issued in Foreign Currencies, shown in the Balance Sheet are valued at the exchange rates prevailing at the year end.

II. Transactions relating to FCNR/EEFC/RFC accounts

Foreign Currency Deposits in FCNR/EEFC/RFC accounts including interest accrued and also the corresponding assets are recorded at market related notional rates, which are periodically reviewed. Assets and Liabilities at the year end are revalued at rates quoted by Foreign Exchange Dealers' Association of India. The resultant profit / loss is shown as income / loss.

3) INVESTMENTS

I. Investments are accounted for in accordance with the extant RBI guidelines on investment classification and valuation and are regrouped, shown in balance sheet under the following six groups:

a) Government Securities

b) Other Approved Securities

c) Shares

d) Debentures and Bonds

e) Investments in Subsidiaries/Joint Ventures

f) Others (Commercial Paper, Units of Mutual Fund, NABARD- RIDF, Venture Capital Funds etc.)

II. The Investment portfolio of the Bank is classified into the following three categories:

a) Held to Maturity

b) Available for Sale

c) Held for Trading

Bank decides the category of each investment at the time of acquisition and classifies the same accordingly. Transfer of securities from one category to another is done at the least of the acquisition cost/book value/ market value on the date of transfer. The depreciation, if any, on such transfer is fully provided for and the book value of the security is accordingly

196

changed.

III. Valuation

a) Held to Maturity

i) Investments classified under this category are valued at the year end at the acquisition cost, except where the acquisition cost is more than the face value, in which case the premium is amortized on constant yield method.

ii) In the case of investments in subsidiaries/joint ventures, any diminution in value, other than temporary, is recognized and provided for each investment individually. Investments in RRB and venture capital funds are valued at cost of acquisition.

iii) Profit on sale of investments in this category is first taken to Profit and Loss Account and there after appropriated to the “Capital Reserve Account”. Loss on sale is recognised in the Profit and Loss Account.

b) Available for Sale

A Govt. Securities

i) Central Govt Securities

At market prices / YTM as published by Fixed Income Money Market and Derivatives Association of India (FIMMDA) on periodical basis.

ii) State Govt Securities

As per FIMMDA / RBI guidelines.

B Securities guaranteed by Central / State Govt. PSU Bonds (Not in the nature of advances)

On appropriate yield to maturity basis as per FIMMDA / RBI guidelines.

C Treasury Bills At carrying cost

D Equity Shares At market price, if quoted, otherwise at break up value of the shares as per latest balance sheet (Not more than one year old) otherwise at Rs. 1/- per company

E Preference Shares

At market price, if quoted or on appropriate yield to maturity basis not exceeding redemption value as per RBI / FIMMDA guidelines. In case of preference shares, where preference dividends are in arrears, no credit is taken for accrued dividends and the value determined on YTM is discounted by at least 15% if the arrears are for 1 year and more. The depreciation/provision requirement arrived at in the above manner in respect of non-performing shares where dividends are in arrears is not set off against appreciation on other performing preference shares.

F Bonds and Debentures (Not in the nature of advance)

At market price, if quoted, or on appropriate yield to maturity as per RBI/FIMMDA guidelines.

G Units of mutual funds

As per Stock Exchange quotation, if quoted; at repurchase price / NAV, if unquoted.

H Commercial Papers

At carrying cost

I Security Receipts

At net asset value of the asset declared by the Asset Reconstruction Company.

K Venture Capital Funds

At net asset value (NAV) declared by the VCF

L Other Investments

At carrying cost less diminution in value.

The above valuation in category of Available for Sale and Held for Trading is done scrip wise and depreciation / appreciation is aggregated for classification. Net depreciation for each classification if any, is provided for while net

197

appreciation is ignored.

Provisions on account of depreciation on net basis if found to be in excess, is first taken to Profit & Loss Account and thereafter appropriated to the “Investment Reserve Account” as per the extant RBI guidelines.

Profit/Loss on sale of investments in AFS/HFT category is recognised in Profit and Loss Account.

IV. Prudential Norms

(a) i) Securities with guarantees of the Central Government are treated as performing investments, notwithstanding arrears of principal/interest payments. However, interest if not realized for more than 90 days is recognized as income only on cash basis.

ii) Securities guaranteed by the State Government, where the principal/interest is due but not paid for a period of more than 90 days, are treated as Non Performing Investments and provided for as per the RBI guidelines. Further, for securities guaranteed by the State Governments, where the principal/interest is due but not paid for a period of more than 90 days, interest is recognized as income only on cash basis.

(b) Securities not guaranteed by the Central Government/State Governments Preference Shares: Where the Principal/Interest/Fixed Dividend is due but not paid for a period of more than 90 days are treated as Non Performing Investments and provided for as per the Reserve Bank of India guidelines.

(c) In the case of debentures/bonds where principal/ interest is in arrears, provision is made as in the case of advances.

(d) If any credit facility availed by the issuer from the Bank is NPA, investments in any of the securities issued by the same issuer is also treated as Non Performing Investments.

(e) The depreciation/provision requirement in respect of non-performing investments is not set off against the appreciation in respect of other performing investments.

(f) In the case of Equity Shares, in the event the investment in the shares of any company is valued at Re.1 per company on account of the non availability of the quotation or latest balance sheet in accordance with the RBI guidelines, such equity shares would also be reckoned as Non Performing Investment on case to case basis.

(g) In case of preference shares, where preference dividends are in arrears, no credit is taken for accrued dividends and the value determined on YTM is discounted by at least 15% if arrears are for 1 year, and more if arrears are for more than one year. The depreciation/provision requirement arrived at in the above manner in respect of non-performing shares where dividends are in arrears is not set off against appreciation on other performing preference shares.

4) TRANSACTIONS RELATING TO DERIVATIVES

Derivative contracts are designated as hedging or trading and accounted for as follows:

a) Hedge Swaps: The interest rate swaps which hedges interest bearing assets and liabilities are accounted for on accrual basis except the swaps designated with an asset or liability that is carried at market value or lower of cost or market value in the financial statements. In such cases the swaps are marked to market with the resulting gain or loss recorded as an adjustment to the market value of designated asset or liability.

The gain or loss on the terminated swaps is deferred and recognized over the shorter of the remaining contractual life of the swap or the remaining life of the asset/liability.

b) Re-designation of Hedge items: If a hedge is redesignated from one item of asset/liability to another item of asset/liability, such redesignaion is accounted for as the termination of one hedge and acquisition of

198

another. On the date of redesignation, the swap is marked to market and the mark to market value is amortized over the shorter period of the remaining life of the swap or remaining life of the asset/liability. The offsetting mark to market entry adjustments would be treated as premium received or paid for hedge on the newly designated item of asset/liability and this would be amortized over the life of the redesignated asset/liability or remaining term of the swap whichever is shorter.

c) Trading Swaps: The trading swaps are marked to market with the resulting gain or loss recorded in the income statement. Gain or loss on termination of the swap is recorded as immediate income or expense.

5) FIXED ASSETS/DEPRECIATION

I) Fixed Assets

a) Premises of the bank include free hold as well as lease hold properties. Land and buildings purchased or allotted have been capitalised based on agreements/letters of allotment and physical possession. Other Fixed Assets are capitalized on the date of put to use. Premises and other Fixed Assets are stated at their historical cost, except those which have been re-valued. Such Fixed Assets are stated on the revalued amount.

b) Advance payments made for acquisition of capital assets and deposits made in respect of properties taken on lease/rent are included under ‘Other Assets’.

II) Depreciation / Amortization

a) Fixed Assets (other than computers and software) are depreciated at the rates prescribed under the ‘Income Tax Rules’ on reducing balance method, including on the composite cost of certain properties, where it is not possible to segregate the land cost. Computers (including operating software) are depreciated on Straight Line Method at the rate of 33.33% per annum. Other software expenses, treated as intangible assets are amortized at 100% in the year

of acquisition. Depreciation on additions to Fixed Asset during the financial year is provided at 100% of the rate of depreciation prescribed, if the asset is put to use for 180 days and above during the year and at 50% of the rate of depreciation prescribed, if the asset is put to use for less than 180 days during the year. No depreciation is provided in the year of sale/disposal of fixed assets.

b) Incremental depreciation on revalued amount in respect of premises is adjusted from Revaluation Reserve account.

6) LEASED OUT ASSETS

Accounting for leased assets is done as per Accounting Standard 19. Provision in respect of non-performing assets, is made by applying the asset classification norms prescribed by the RBI for advances.

7) NON BANKING ASSETS

Non-Banking assets are shown at cost.

8) ADVANCES

Advances are classified as per the RBI guidelines into standard, sub-standard, doubtful and loss assets after considering subsequent recoveries to date. Provision for non-performing assets is made in conformity with the RBI guidelines.

a) In terms of the guidelines of the Reserve Bank of India, advances are classified as "Performing" and "Non-Performing" assets based on recovery of principal/interest and advances are classified as "Non Performing Assets" with 90 days delinquency norms. In case of State Government Guaranteed advances, requirement of invocation of the Guarantee has been de-linked for classification of an account as NPA. Non Performing Advances (NPAs) are categorized as Sub-Standard, Doubtful and Loss Assets for the purpose of computing provision requirements.

Advances shown in the Balance Sheet are net of provisions [including floating provisions] in respect of non-performing advances, interest suspense and ECGC/DICGC claims received.

b) Advances include the Bank’s participation

199

in/ contributions to Pass Through Certificates (PTCs) and /or to the asset-backed assignment of loan assets of other banks / financial institutions where the Bank has participated on risk-sharing basis.

c) Amounts recovered against bad debts written off in earlier years are recognised in the Profit and Loss account.

d) Provisions no longer considered necessary in context of the current status of the borrower as a performing asset, are written back to the Profit and Loss account to the extent such provisions were charged to the Profit and Loss account.

e) Provisions on Standard Advances are shown under "Other Liabilities and Provisions".

f) Provision on advances is made as per the RBI guidelines as under:

1. Standard Assets: 1% in respect of standard advances to Commercial Real Estate Sector, 0.25% in respect of the outstanding advances under direct agriculture & SME Sectors, 3.50% in respect of accounts under standard category as of 31.03.2014 and restructured prior to 01.06.2013, 5% in respect of accounts under standard category restructured after 31.05.2013 and 0.40% on all other outstanding standard advances.

2. Sub Standard Assets: 15% of the outstanding advances. However, in case of sub standard assets which are identified ab-initio as "unsecured exposures" provision at 25% of the outstanding balance is made.

3. Doubtful assets: 25% to 100% as applicable on the secured portion of advances, depending upon the period for which the asset has remained doubtful and 100% of the unsecured portion of the outstanding advance after netting realized amount in respect of DICGC scheme and realized/realizable amount of

guarantee cover under the ECGC/CGSTI Schemes.

4. Loss Assets: 100% of the outstanding advances.

g) Restructured / rescheduled accounts:

In case of restructured / rescheduled accounts provision is made for the sacrifice against erosion/ diminution in fair value of restructured loans, in accordance with the general framework of restructuring of advances issued by RBI vide circular dated August 27, 2008 and Master Circular dated July 02, 2012.

The erosion in fair value of the advances is computed as the difference between fair value of the loan before and after restructuring.

Fair value of the loan before restructuring is computed as the present value of cash flows representing the interest at the existing rate charged on the advance before restructuring and the principal, discounted at a rate equal to the Bank’s Base Rate as on the date of restructuring plus the appropriate term premium and credit risk premium for the borrower category on the date of restructuring.

Fair value of the loan after restructuring is computed as the present value of cash flows representing the interest at the rate charged on the advance on restructuring and the principal, discounted at a rate equal to Bank’s Base Rate as on the date of restructuring plus the appropriate term premium and credit risk premium for the borrower category on the date of restructuring.

The diminution in the fair value is recomputed on each balance sheet date till satisfactory completion of all repayment obligations and full repayments of the outstanding, so as to capture the changes in the fair value on account of changes in base rate, term premium and credit category of the borrower.

The restructured accounts have been

200

classified in accordance with RBI guidelines, including special dispensation wherever allowed.

9) REVENUE RECOGNITION

Income is accounted on accrual basis except in the following cases:

a) In the case of Non Performing Assets, income is recognized on cash basis, in terms of guidelines of the Reserve Bank of India. Where recovery is not adequate to upgrade the Non Performing Assets accounts by way of regularization, such recovery is being appropriated towards the principal/book balance in the first instance and towards interest dues thereafter. In respect of Non Performing Investments, the same accounting treatment as above is followed.

b) Income from Units of Mutual Funds, Commission on Insurance and Depositary Participant business, Merchant Banking transactions, General Insurance business, Money transfer services, Sale of Mutual Fund products, Locker Rent, Commission on Government business, etc. are accounted on cash/realisation basis.

c) Commission earned from Non-fund based business viz., Letter of Credits and Bank Guarantees is accounted on cash basis.

d) Interest on securities which is due and not paid for a period of more than 90 days is recognized on realisation basis as per RBI guidelines.

e) In the case of suit filed accounts, legal expenses are charged to the profit and loss account. Similarly, at the time of recovery of legal expenses in respect of such suit filed accounts, the amount recovered is accounted as income.

10) NET PROFIT

The net profit is arrived at after

a) Provisions for Income Tax & Wealth Tax in accordance with statutory requirements

b) Provision on advances/investments

c) Adjustments to the value of investments

d) Transfers to provisions and contingencies

e) Provision for Inter Branch accounts lying unadjusted for more than six months as per RBI norms

f) Other usual and necessary provisions

11) EMPLOYEE BENEFITS

a) Expenses arising out of claims in respect of employee matters under dispute/negotiation are accounted during the year of final settlement/determination.

b) In respect of employees who have opted for Provident Fund scheme, matching contribution as applicable is made by the Bank to the recognised Provident Fund. For others who have opted for pension scheme, contribution to Pension Fund is made based on actuarial valuation, as per Accounting Standard 15.

c) Contribution to Gratuity Fund is made based on actuarial valuation, as per Accounting Standard 15.

d) Liability towards leave encashment, privilege leave is provided based on actuarial valuation, as per Accounting Standard 15.

Details are as under:

Long term employee benefits:

Long term employee benefits (benefits which are payable after the end of twelve months from the end of the period in which employees render service), and post employment benefits (benefits which are payable after completion of employment), are measured on a discounted basis by the projected Unit Credit Method, on the basis of annual third party actuarial valuations. The bank provides for the following long term employee benefits as per actuarial valuation:

1. Leave encashment: The Bank provides for liability accruing on account of deferred entitlement towards leave encashment in the year

201

in which the employees concerned render their services based on third party actuarial valuation obtained as of each year end balance sheet date.

2. Pension: The Bank provides for liability accruing on account of the employees who have opted for pension based on the actuarial valuation obtained as of each year end balance sheet date.

3. Gratuity: The Bank provides for gratuity liability based on the actuarial valuation obtained as of each year end balance sheet date.

The pension and gratuity contributions are transferred to self-managed trusts.

12) PROVISION FOR TAXATION

Tax expenses comprise current and deferred taxes. Current income tax is measured at the amount expected to be paid to the tax authorities in accordance with the Income Tax Act, 1961. Deferred income taxes reflect the impact of current year timing differences between taxable income and accounting income for the year and reversal of timing differences of earlier years. Deferred tax is measured based on the tax rates and the tax laws enacted or substantively enacted at the balance sheet date.

13) IMPAIRMENTS

The carrying amounts of assets are reviewed at each Balance Sheet date for any indication of impairment based on internal/external factor. An impairment loss is recognized whenever the carrying amount of an asset exceeds its estimated recoverable amount.

14) SEGMENT REPORTING:

In accordance with the guidelines issued by RBI, Bank has adopted Segment Reporting as under:

1. Treasury includes all investment portfolio, profit/ loss on sale of investments, profit/loss on foreign exchange transactions, equities, income from derivatives and money market operations. The expenses

of this segment consist of interest expenses on funds borrowed from external sources as well as internal sources and depreciation / amortisation of premium on Held to Maturity category investments.

2. Corporate/ Wholesale Banking includes lending and deposits from corporate customers and identified earnings and expenses of the segment.

3. Retail Banking includes lending and deposits from retail customers and identified earnings and expenses of the segment.

4. Other Banking Operations includes all other operations not covered under Treasury, Wholesale Banking and Retail Banking.

15) EARNINGS PER SHARE:

Earnings per share are calculated by dividing the net profit or loss for the period attributable to equity shareholders (after deducting preference dividend and attributable taxes thereto) by the weighted average number of equity shares outstanding during the period. Diluted earnings per equity share have been computed using the weighted average number of equity shares and dilutive potential equity shares outstanding as at the end of the year.

16) CONTINGENT LIABILITIES AND PROVISIONS:

1. A provision is recognised when there is an obligation as a result of past event if it is probable that an outflow of resources will be required to settle the obligation, in respect of which a reliable estimate can be made. Provisions are not discounted to their present value and are determined based on best estimate required to settle the obligation at the balance sheet date. These are reviewed at each balance sheet date and adjusted to reflect the current best estimates.

2. Transactions in Government securities and others which were pending for settlement on the balance sheet date are shown as off balance sheet items under contingent liabilities head.

202

SCHEDULE – 18 : NOTES ON ACCOUNTS

1. Reconciliation of entries outstanding as on 31.03.2015 in the inter-branch and other accounts has been done. Matching of entries outstanding in inter-branch and inter-bank accounts including balances in drafts accounts, suspense accounts, branch adjustment accounts, clearing transactions, funds transfers, balances pertaining to dividends / interest / refund orders paid / payable accounts, advances paid for acquisition of assets, etc. is complete up to 31.12.2014 and is under progress for the remaining period. In the opinion of the Bank, consequential effect of the above on the revenue / assets / liabilities is not material.

2. In respect of certain premises acquired by the Bank having written down value of ` 4.88 crore, (previous year ` 5.43 crore) documentation / registration are yet to be completed pending legal or other formalities.

3. In the case of un-audited branches, the returns / classification of advances as reported by the concerned branches have been adopted.

4. Claims pending and to be preferred with ECGCI Limited amounting to ` 32.85 crore (previous year ` 205.73 crore) have been considered as realisable for the purpose of computing provisions.

5. No provision other than those made, has been considered necessary by the Management in respect of disputed tax liabilities in view of the judgements in favour of the Bank. Further, certain deductions have been considered while working out tax provisions in respect of some claims under Income Tax Act based on the legal opinions obtained.

6. As per Indian Banks’ Association (IBA) communication vide letter ref no LEGAL/CIR dt March 03rd 2015, Ministry of Company Affairs(MCA) has advised that in so far as Banks not registered as companies and nationalized banks are concerned, provisions relating to CSR do not apply as they are not registered under the Companies Act.

7. In terms of the guidelines issued by the Reserve Bank of India, the following disclosures are made:

i) Capital (` in crore)

Sl.No. Particulars 31.03.2015 31.03.20141. CRAR (%)

Basel II 11.70 10.97Basel III 11.43 10.56

2. CRAR – Tier I Capital (%)Basel II 8.25 8.30Basel III 8.24 8.12

3. CRAR – Tier II Capital (%)Basel II 3.45 2.67Basel III 3.19 2.44

Basel III (` in crore)

Sl. No. Particulars 31.03.2015 31.03.2014

i) Common Equity Tier 1 capital ratio (%) 7.60 8.12

ii) Tier 1 capital ratio (%) 8.24 8.12

iii) Tier 2 capital ratio (%) 3.19 2.44

iv) Total Capital ratio (CRAR) (%) 11.43 10.56

v) Percentage of the shareholding of Government of India in public sector banks

74.06 74.06

203


vi) Amount of Equity capital raised (` In Crores) [Refer item no. 11]

— 363.58

vii) Amount of Additional Tier 1 capital raised; of which

PNCPS : 0.00 500.00 NIL

PDI : 500.00

Amount of Tier 2 capital raised; of which 1000.00 250.00

Debt capital instrument (` In crores):

Preference Share Capital Instruments: [Perpetual Cumulative Preference Shares (PCPS)/ Redeemable Non-Cumulative Preference Shares (RNCPS)/ Redeemable Cumulative Preference Shares (RCPS)]

NIL NIL

ii) Investments (` in Crores)


1. Value of Investments

Gross value of investments 44,698.34* 42833.78*

In India 44,698.34* 42833.78*

Outside India NIL NIL

Provisions for depreciation and NPI (Non Performing Investment)

176.24 248.39

In India 176.24** 248.39**


Net value of investments 44,522.10 42585.38

In India 44,522.10 42585.38


2. Movement of provisions held towards depreciation on investments

Opening balance 235.93 207.79

Add: i) Provision made during the year 0.00 0.00

ii) Diminution on shifting of investments 0.26 77.08

Less: Write off/ write back of excess provision during the year

77.04 48.94

Closing balance 159.15 235.93

* Includes LAF Repo of ` 2,100 Cr (PY ` 575.00 Cr) and MSF of ` Nil (PY ` 450.00 Cr) outstanding as on 31.03.2015.

**Includes provision of ` 17.09 Cr (PY ` 12.47 Cr) made on NPI.

204

iii) The particulars of repo transactions (including those from RBI under LAF Repo) are as under:

(` in Crores)

Particulars Outstanding during the year As on 31.03.2015Minimum Maximum Daily average

Securities sold under Repos

1) Govt. Securities 0.00 4869.83 698.41 3798.29

2) Corporate debt securities NIL NIL NIL NIL

Securities purchased under reverse Repos

1) Govt. Securities 0.00 11682.98 2691.06 171.40


(` in Crores)

Particulars Outstanding during the year As on 31.03.2014

Minimum Maximum Daily average

Securities sold under Repos

1) Govt. Securities NIL 2800.00 634.08 1025.00


Securities purchased under reverse Repos

1) Govt. Securities NIL 14981.99 3224.50 879.43


iv) Non-SLR Investment Portfolio

Issuer composition of Non-SLR Investments -31.03.2015 (` in Crores)

Sl.No.

Issuer Amount Extent of Private

Placement

Extent of ‘Below

InvestmentGrade’

Securities

Extent of ‘Unrated’Securities

Extent of ‘Unlisted’Securities

(1) (2) (3) (4) (5) (6) (7)

(i). PSUs 2679.66 2587.73 1502.79 914.37 0.00

(ii). FIs** 4403.94 351.19 58.00 3831.46 48.00

(iii). Banks 1553.47 169.76 10.00 41.53 0.00

(iv). Private Corporate 714.72 552.92 132.78 145.96 31.27

(v). Subsidiaries/ Joint Ventures — — — — —

(vi). Others 413.55 375.55 — 413.55 —

(vii). Provision held towards depreciation and NPI 176.11 XXX XXX XXX XXX

Total 9589.22 4037.15 1703.57 5346.87 79.27

Note: Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.

**Includes the investment under RIDF of ` 3763.98 Cr.

205

Issuer composition of Non SLR investments - 31.03.2014 (` In crore)

Sl.No.

Issuer Amount Extent of Private

Placement

Extent of ‘Below

InvestmentGrade’

Securities

Extent of ‘Unrated’Securities

Extent of ‘Unlisted’Securities

(1) (2) (3) (4) (5) (6) (7)

(i). PSUs 2749.58 2684.07 2313.72 177.10 0.00

(ii). FIs** 4358.21 675.06 50.50 3683.14 50.50

(iii). Banks 1919.17 209.93 25.00 53.56 —

(iv). Private Corporate 355.11 226.60 162.23 112.01 —

(v). Subsidiaries/ Joint Ventures — — — — 32.67

(vi). Others 132.10 15.83 0.00 132.10

(vii). Provision held towards depreciation and NPI 195.02 XXX XXX XXX XXX

Total 9319.15 3811.49 2551.45 4157.91 83.17

Note:

Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.

** Includes the investment under RIDF of ` 3615.57 Cr.

v) a) Non-Performing Non-SLR Investments (` in crore)

ParticularsAmount

31.03.2015Amount

31.03.2014


Additions during the year 6.53 5.85

Reductions during the above period 0.00 0.00


Total provisions held 17.09 12.47

b) Movement in provision for Non Performing Investments (` in crore)

Particulars 31.03.2015 31.03.2014


Add: Provision made during the year 4.62 1.20

Less: Write off / write back of excess provisions — 0.00


206

vi) Sale of Transfer to/from HTM category - — NIL

vii) Derivatives:

a) Forward Rate Agreement / Interest Rate Swap (` in Crores)

Particulars 31.03.2015 31.03.2014

a. The notional principal of swap agreements NIL NIL

b. Losses which would be incurred if counterparties failed to fulfil their obligations under the agreements

NIL NIL

c. Collateral required by the bank upon entering into swaps NIL NIL

d. Concentration of credit risk arising from the swaps NIL NIL

e. The fair value of the swap book NIL NIL

1. Interest Rate Swaps were undertaken for the purpose of hedging interest rate risk on assets/liabilities and for trading purpose.

2. The terms of swaps are to receive fixed interest rate against floating interest rate or vice versa.

3. The counterparties for the swaps are banks and the exposure with each bank is within the approved credit exposure limits.

b) Exchange Traded Interest Rate Derivatives (` in Crores)

SLNo.

Particulars 31.03.2015 31.03.2014

(i) Notional principal amount of exchange traded interest rate derivatives undertaken during the year (instrument wise)

NIL NIL

(ii) Notional principal amount of exchange traded interest rate derivatives outstanding as on 31st March 2015 (instrument-wise)

NIL NIL

(iii) Notional principal amount of exchange traded interest rate derivatives outstanding and not “highly effective” (instrument-wise)

NIL NIL

(iv) Mark-to-Market value of exchange traded interest rate derivatives outstanding and not “highly effective” (instrument –wise)

NIL NIL

viii) Disclosures on risk exposure in derivatives

a) Qualitative Disclosure

Bank has put in place a comprehensive derivative policy for undertaking derivative transactions for hedging, trading and servicing customers’ purpose as per RBI guidelines duly approved by the Board. The policy lays down the type, scope and usage with appropriate limits for derivative transactions. From the view point of operational efficiency and risk oversight the Derivatives desk is segregated into Front Office, Mid Office and Back Office with clear segregation of portfolio. The derivative hedges are continuously monitored for effective performance as per laid down policy and corrective measures are taken for mitigating the risk.

207

b) Quantitative Disclosures (` in Crores)

SlNo.

Particulars Currency Derivatives

Interest Rate Derivatives

(i) Derivatives (Notional Principal Amount) NIL NIL

a) For Hedging NIL NIL

b) For Trading NIL NIL

(ii) Marked to Market Positions(1) NIL NIL

a) Asset(+) NIL NIL

b) Liability(-) NIL NIL

(iii) Credit Exposure(2) NIL NIL

(iv) Likely impact of one percentage change in interest rate (100*PV01)

NIL NIL

a) On hedging derivatives NIL NIL

b) On trading derivatives NIL NIL

(v) Maximum and Minimum of 100*PV01 observed during the year

NIL NIL

a) On hedging - Maximum - Minimum

NIL NIL

b) On trading - Maximum - Minimum

NIL NIL

ix) Asset Quality

a) Non Performing Asset (Rs in crore)

Particulars 31.03.2015 31.03.2014

(i) Net NPAs to Net Advances (%) 1.92 1.55

(ii) Movement of NPAs (Gross)


Additions during the year 2826.85 2173.87

Reductions during the year 2369.50 1720.95


(iii) Movement of NPAs (Net)


Additions /( reductions) during the year 397.34 352.68


(iv) Movement of provisions for NPAs*


Provisions made during the year 788.88 400.29

Write-off 729.05 309.61


(*excluding provisions on standard assets and including floating provision)

208

b) Details of Loan Assets subjected to Restructuring (` in Crores)

SlNo.

Particulars 31.03.2015 31.03.2014

a. Total amount of loan assets subjected to restructuring, re-scheduling, re-negotiation

6193.08 4234.51

Of which under CDR 1469.60 1505.42

b. The amount of Standard assets subjected to restructuring, re-scheduling, re-negotiation

5285.85 3979.17


c. The amount of sub-standard assets subjected to restructuring, rescheduling, renegotiation

406.83 71.71


d. The amount of doubtful assets subjected to restructuring, rescheduling, renegotiation

500.40 183.63


Note: (a = b + c + d)

Debt restructuring for MSME accounts 31.03.2015 31.03.2014

a. Total amount of assets of MSMEs subjected to restructuring (b+c+d)

393.53 115.03

b. Amount of standard assets of MSMEs subjected to restructuring

233.17 31.67

c. Amount of sub-standard assets of MSMEs subjected to restructuring

81.75 8.39

d. Amount of doubtful assets of MSMEs subjected to restructuring

78.61 74.97

209

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210

d) In respect of the advances restructured under the Prudential Guidelines of the Reserve Bank of India dated 27th August 2008 and the subsequent clarifications / guidelines issued from time to time in this respect, the Bank has provided a sum of ̀ 57.26 Crores (previous year ̀ 84.42 Crores) during the year as diminution in the fair value of advances on account of such restructuring which in the Bank's opinion is considered adequate on such restructured advances. The full implementation of the conditions laid down for restructuring in the said Circular are being complied with. Further, a sum of ` 31 crore has been provided under ‘Provision for Contingencies’ towards diminution in the fair value of one of the corporate NPA accounts.

e) Details of Assets sold to Securitisation Company (SC) / Reconstruction Company (RC), for Assets Reconstruction

(` in Crore)

Sl.No.

Particulars 31.03.2015 31.03.2014

1 Number of accounts 9 9

2 Aggregate Value (net of provisions) of accounts sold to SC/ RC

47.22 37.68

3 Aggregate consideration 73.91 110.36

4 Additional consideration realised in respect of accounts transferred in earlier years

NIL NIL

5 Aggregate gain / loss over net book value 32.62 72.68

f) Sale of Financial Assets to Securitisation Company/Reconstruction Company

(` In crores)

Particulars Backed by NPAs sold by the bank as

underlying

Backed by NPAs sold by other banks/financial institutions/non banking financial

companies as underlying

Total

FY 2013-14 FY 2014-15 FY 2013-14 FY 2014-15 FY 2013-14 FY 2014-15

Book value of investment in security receipts

48.47 357.05 Nil Nil 48.47 357.05

g) Disclosure relating to Securitisation :

Outstanding amount of securitised asset as per books of the SPVs sponsored by the bank and total amount of exposures retained by the bank as on date of Balance Sheet to comply with Minimum Retention Requirement (MRR) : NIL

h) Credit Default Swaps : NIL

211

i) Details of non-performing financial assets purchased/sold

i) Details of non-performing financial assets purchased (` in crore)

Particulars 31.03.2015 31.03.2014

1. (a) No. of accounts purchased during the year NIL NIL

(b) Aggregate outstanding NIL NIL

2. (a) Of these, number of accounts restructured during the year

NIL NIL

(b) Aggregate outstanding NIL NIL

ii) Details of non-performing financial assets sold (` in Crore)

Particulars 31.03.2015 31.03.2014

1. No. of accounts sold 9 9

2. Aggregate outstanding 69.64 83.34

3. Aggregate consideration received 73.91 110.36

There was no case where the bank had spread the shortfall over two years.

j) Provision on Standard Asset (` in Crore)

Particulars 31.03.2015 31.03.2014

Provisions towards Standard Assets 465.16 424.02

TOTAL 465.16 424.02

k) Business Ratios (` in Crore)

Particulars 31.03.2015 31.03.2014

Interest Income as a percentage to Working Funds 9.15% 9.08%

Non-interest income as a percentage to Working Funds 0.66% 0.60%

Operating Profit as percentage to Working Funds 0.94% 0.94%

Return on Average Assets 0.33% 0.35%

Average Business [Deposits + Advances] per employee 14.96 13.82

Net profit per employee 0.03 0.03

212

x) Asset Liability Management : Maturity pattern of certain items of assets and liabilities:

(` in Crores)

1 day 2 – 7 days

8 – 14 days

15 – 28 days

29 days to 3

months

Over 3 months to 6 months

Over 6 months

to 1 year

Over 1 year to 3

years

Over 3 years to 5 years

Over 5 years

Total

Deposits 334.78 2964.58 1724.19 3402.95 26876.55 13583.22 36462.24 11399.99 27328.16 2266.71 126343.37

Advances* 1065.50 672.56 953.44 1315.03 6883.28 4620.68 5236.40 43900.47 10981.87 11066.64 86695.87

Investments* 224.22 220.42 323.84 309.79 1727.57 1467.85 2372.55 8056.27 9217.50 20602.08 44522.09

Borrowings** 0.00 2707.88 1019.74 300.00 250.00 0.32 0.13 450.12 200.00 2350.00 7278.19

Foreign Currency Assets

133.40 246.61 5.94 98.79 60.25 84.87 11.81 0.00 0.00 0.00 641.67

Foreign Currency Liabilities

375.23 4.31 4.12 1.53 17.89 25.37 67.09 52.07 94.06 0.00 641.67

Assets and Liabilities are classified as per the guidelines issued by the Reserve Bank of India, compiled by the management and relied upon by the auditors.

* Figures are broadly net of provision

** Borrowings in India

xi) Lending to Sensitive Sectors

a) Exposure to Real Estate Sector (` in crore)

Particulars 31.03.2015 31.03.20141) Direct exposure a. Residential mortgages (i) Lendings fully secured by mortgages on residential

property that is or will be occupied by the borrower or that is rented

8759.47 7659.72

(ii) Individual housing loans eligible for inclusion in priority sector advances (included in the above)

4889.91 4627.85

b. Commercial Real Estate Lendings secured by mortgages on commercial

real estates (office buildings, retail space, multi-purpose commercial premises, multi-family residential buildings, multi-tenanted commercial premises, industrial or warehouse space, hotels, land acquisition, development and construction, etc.) Exposure also includes non-fund based (NFB) limits:

3820.73 3583.95

c. Income Producing Real Estate 2758.13 2141.36 d. Investments in Mortgage Backed Securities (MBS) and

other securitised exposures - i) Residential NIL NIL ii) Commercial Real Estate NIL 1.912) Indirect Exposure Fund based and non-fund based exposures on National

Housing Bank (NHB) and Housing Finance Companies (HFCs)

3578.55 3820.73

Total exposure to real estate sector 18916.88 17207.67

213

b) Exposure to Capital Market (` in crore)

SlNo.

Particulars 31.03.2015 31.03.2014

(i) Direct investment in equity shares, convertible bonds, convertible debentures and units of equity oriented mutual funds the corpus of which is not exclusively invested in corporate debt.

196.54 229.18

(ii) Advances against shares/bonds/debentures or other securities or on clean basis to individuals for investment in shares (including IPOs/ESOPs), convertible bonds, convertible debentures, and units of equity oriented mutual funds.

NIL NIL

(iii) Advances for any other purpose where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken as primary security.

NIL NIL

(iv) Advances for any other purpose to the extent secured by the collateral security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e., where the primary security other than shares/ convertible bonds/convertible debentures/units of equity oriented mutual funds does not fully cover the advances.

NIL NIL

(v) Secured and unsecured advances to stockbrokers and guarantees issued on behalf of stock brokers and market markers.

50.00 50.00

(vi) Loans sanctioned to corporates against the security of shares/bonds/debentures or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources.

NIL NIL

(vii) Bridge loans to companies against expected equity flows/issues.

NIL NIL

(viii) Underwriting commitments taken up by the banks in respect of primary issue of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds.

NIL NIL

(ix) Financing to stock brokers for margin trading. NIL NIL

(x) All exposures to Venture Capital Funds (both registered and unregistered)

18.44 15.83

Total exposure to capital market 264.98 295.01

214

xii) Risk Category-wise Country Exposure: (` in crore)

Risk Category Exposure (net) as at 31.03.2015

Provision held as at 31.03.2015

Exposure (net) as at 31.03.2014

Provision held as at 31.03.2014

Insignificant 594.98 NIL 1022.08 NIL

Low 237.76 NIL 234.16 NIL

Moderate 44.49 NIL 43.54 NIL

High 28.61 NIL 14.98 NIL

Very High 0.00 NIL 1.62 NIL

Restricted 0.00 NIL 0.00 NIL

Off credit 0.00 NIL 0.00 NIL

Total 905.84 NIL 1316.38 NIL

The net funded exposure of the Bank in respect of foreign exchange transactions with each country is within 1% of the total assets of the Bank and hence no provision is required to be made as per the Reserve Bank of India Circular DBOD. BP.BC.71/21.01.103/2002-03 dated 19.02.2003 read with DBOD.BP.BC.96/21.04.103/2003-04 dated 17.06.2004.

xiii) Details of Credit Exposures where the Bank had exceeded the Prudential Exposure during the year :NIL

2014-15 : NIL

2013-14 : INDIAN FARMERS FERTILISER COOPERATIVE LTD (IFFCO)

xiv) Concentration of Deposits, Advances, Exposures and NPAs (as compiled by the Bank)

a) Concentration of Deposits (` in Crores)

Total Deposits of twenty largest depositors 16876

Percentage of Deposits of twenty largest depositors to Total Deposits of the bank 13.36%

b) Concentration of Advances (` in Crores)

Total Advances of twenty largest borrowers 16425.22

Percentage of Advances to twenty largest borrowers to Total Advances of the bank 18.73%

c) Concentration of Exposures (` in Crores)

Total Exposure of twenty largest borrowers/customers 17831.75

Percentage of Exposures to twenty largest borrowers/customers to Total Exposure of the bank on borrowers/customers

16.63%

d) Concentration of NPAs (` in Crores)

Total Exposure of top four NPA accounts 477.59

215

xv) Sector-Wise advances (Gross) (` In crores)

Sl.No.

Sector* Current year Previous year

OutstandingTotal

Advances

GrossNPAs

Percentageof Gross

NPAs to Total Advances in that sector

OutstandingTotal

Advances

GrossNPAs

Percentageof Gross

NPAs to Total Advances in that sector

A Priority Sector1 Agriculture and allied

activities11974.00 338.39 2.83 10527.00 322.61 3.06

2 Advances to industries sector eligible as priority sector lending

4976.00 207.70 4.17 3093.00 102.32 3.31

3 Services 8241.00 146.07 1.77 7536.00 165.79 2.204 Personal loans 5523.00 94.71 1.71 4699.00 183.62 3.91

Sub-total (A) 30714.00 786.87 2.56 25855.00 807.34 3.12B Non Priority Sector1 Agriculture and allied

activities0.00 0.00 0.00 0.00 0.0 0.00

2 Industry 40014.36 1577.55 3.94 21143.00 414.40 1.963 Services 1859.65 54.78 2.95 13104.00 162.50 1.244 Personal loans 15103.53 24.01 0.16 22322.75 601.62 2.70

Sub-total (B) 56977.54 1656.34 2.91 56569.75 1178.52 2.08Total (A+B) 87691.54 2443.21 2.79 82424.75 1985.86 2.41

*Banks may also disclose in the format above, sub sectors where the outstanding advances exceeds 10 percent of the outstanding total advances to that sector. For instance, if a bank’s outstanding advances to the mining industry exceed 10 percent of the outstanding total advances to ‘Industry’ sector it should disclose details of its outstanding advances to mining separately in the format above under the ‘Industry’ sector.

xvi) Movement of NPAs (` in Crores)

Particulars 31.03.2015 31.03.2014

Gross NPAs as on 1st April (Opening Balance) 1985.86 1532.94

Additions (Fresh NPAs) during the year 2826.85 2173.87

Sub-total (A) 4812.71 3706.81

Less:-

(i) Upgradations 931.96 989.15

(ii) Recoveries (excluding recoveries made from upgraded accounts)

646.35 435.94

(iii) Technical/Prudential Write-off 776.24 293.36

(iv) Write-offs Other than those under (iii) above 14.95 2.50

Sub-total (B) 2369.50 1720.95

Gross NPAs as on 31st March (A-B) 2443.21 1985.86

216

xvii) Technical written off and recoveries made thereon: (` in Crore)

Particulars 31.03.2015 31.03.2014

Opening balance of technical/prudential written-off accounts 1525.28 1337.62

Add: Technical/Prudential writeoff during the year 776.24 293.36

Sub Total 2301.52 1630.98

Less: Recoveries made from previously technical/prudential written-off accounts during the year

133.23 94.30


xviii) Overseas Assets, NPAs and Revenue : NIL

xix) Off-balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)

Name of the SPV sponsored

Domestic Overseas

NIL NIL

xx) Provision coverage ratio (PCR): Provision Coverage ratio as of 31.03.2015 is 64.01% (previous year 64.05%) as per RBI guidelines. However, the Bank has achieved the PCR as envisaged in RBI circular DBOD. No.BP.BC.87-21.048/2010-11 dt.21.04.2011.

xxi) Unsecured advances: The Bank has no unsecured advances wherein intangible securities have been taken as collateral securities.

xxii) The immediate impact, if any, of the cancellation of coal blocks on the bank's portfolio by way of security valuation and the impact, if any, of the penalty imposed by the Honourable Supreme Court on viability of the respective projects financed by the bank, has not been considered as the same is not ascertainable at this stage.

xxiii) During the year 2014-15 the Bank had issued 366 Letters of Comfort (LoC) amounting to USD 23,77,34,988 covering imports of goods into India. These Letters of Comfort have been issued after due assessment of its financial impact on the Bank and with the approval of the competent authorities. As on the date of Balance Sheet 178 Letters of Comfort amounting to USD 12,06,60,271 (approximately ` 754.13 crores @ USD 1 = ` 62.50) are outstanding which, in the opinion of the management, will not have any significant impact on the Bank’s financial position.

xxiv) Fees / remuneration from insurance business during 2014-15

SlNo

Nature of Income 2014-15 (` Crores) 2013-14 (` Crores)

1 For selling life insurance policies 3.43 3.05

2 For selling non-life insurance policies 3.01 2.09

3 For selling mutual fund products NIL NIL

4 Others (Specify) NIL NIL

217

8. Compliance with information to be disclosed under Accounting Standards notified by the Ministry of Corporate Affairs under Companies(Accounting Standards) Rules, 2006:

i) There were no material prior period income/ expenditure required to be disclosed as per AS -5.

ii) In terms of accounting policy No.9 of the Bank, some items are recognised on cash basis. However, the management is of the view that since the amount involved is not material, it does not require any disclosure under AS-9.

iii) The Bank is revaluing foreign currency transactions consistently at the weekly average rate of the last week of the preceding month, prescribed by FEDAI, instead of the rate at the date of the transaction as per AS 11. The management is of the view that there is no material impact on the accounts for the year.

iv) The following information is disclosed under AS-15. (` in crore)

Sl.No.

Particulars Pension 31.03.15

Pension31.03.14

Pension31.03.13

Pension31.03.12

Pension31.03.11

I. Principal Actuarial Assumptions

Discount Rate 8.00% 8.50% 8.00% 9.00% 8.50%

Salary escalation rate 5.50% 5.50% 5.50% 1.50% 4.25%

Attrition rate 1.00% 1.00% 1.00% 1.00% 0.75%

Expected rate of return on Plan Assets

8.95% 9.50% 8.70% 8.30% 8.30%

II. Changes in the Present Value of the Obligation (PVO)

PVO as at the beginning of the period

2132.84 2009.65 1908.35 1832.94 651.12

Interest Cost 161.87 161.48 146.22 158.98 50.37

Current Service Cost 268.84 268.90 307.99 18.55 35.81

Benefits Paid (218.99) (219.72) (161.16) (132.97) (102.84)

Actuarial (gain) / loss on obligation (balancing figure)

62.58 (87.47) (191.75) 30.85 120.17

PVO as at the end of the period 2407.14 2132.84 2009.65 1908.35 1832.94

III Changes in the Fair Value of Plan Assets

Fair Value of Plan Assets as at the beginning of the period

2246.06 1963.99 1876.33 1739.28 541.35

Expected return on Plan Assets 201.02 186.58 163.24 144.07 96.49

Contributions 89.00 271.58 92.01 116.53 1238.37

Benefits Paid (218.99) (219.72) (161.16) (132.97) (102.84)

Actuarial gain / (loss) on Plan Assets

30.40 43.64 (6.43) 9.42 (34.09)

Fair Value of Plan Assets as at the end of the period

2347.50 2246.06 1963.99 1876.33 1739.28

218

Sl.No.


Pension31.03.14

Pension31.03.13

Pension31.03.12

Pension31.03.11

IV Actual Return on Plan Assets



30.40 43.64 (6.43) 9.42 (34.09)

Actual return on Plan Assets 231.43 230.22 156.81 153.49 62.40

V Actuarial gain / (loss) recognised

Actuarial gain / (loss) for the period – Obligation

(62.58) 87.47 191.75 (30.85) (120.17)

Actuarial gain / (loss) for the period – Plan Assets

30.41 43.64 (6.43) 9.42 (34.09)

Total gain / (loss) for the period (32.17) 131.11 185.32 (21.43) (154.26)

Actuarial gain / (loss) recognised in the period

(32.17) 131.11 185.32 (21.43) (154.26)

VI Amounts recognised in the Balance Sheet and related analysis

Present Value of the obligation 2407.14 2132.84 2009.65 1908.35 1832.94

Fair Value of Plan Assets 2347.50 2246.06 1963.99 1876.34 1739.28

Funded Status [Surplus/(Deficit)]

(59.64) 113.22 (45.66) (32.02) (93.66)

Amount recognised in the Balance Sheet

(59.64) 113.22 (45.66) (32.02) 268.58

VII Expenses recognised in the Statement of Profit and Loss


Interest Cost 161.87 161.48 146.22 158.98 50.37

Expected return on Plan Assets (201.02) (186.58) (163.24) (144.07) (96.49)

Net Actuarial (gain) / loss recognised in the year

32.17 (131.11) (185.32) 21.43 154.26

Expenses recognised in the statement of Profit and Loss

261.86 112.69 105.65 54.88 860.01

VIII Movements in the liability recognised in the Balance Sheet

Opening net liability (113.22) 45.66 32.02 93.67 109.77

Expense as above 261.86 112.70 105.65 54.88 860.01

Contribution Paid (89.00) (271.58) (92.01) (116.53) (1238.36)

Closing Net Liability 59.64 (113.22) 45.66 32.02 (268.58)

219

Sl.No.


Pension31.03.14

Pension31.03.13

Pension31.03.12

Pension31.03.11

IX Amount for the Current Period

Present Value of obligation 2407.14 2132.84 2009.65 1908.35 1832.95

Plan Assets 2347.50 2246.06 1963.99 1876.34 1739.28

Surplus / (Deficit) (59.64) 113.22 (45.66) (32.02) (93.67)

Experience adjustments on Plan Liabilities – gain / (loss)

(62.58) 87.47 191.75 (30.85) (343.33)

Experience adjustments on Plan Assets – gain / (loss)

30.40 43.64 (6.43) 9.42 34.09

(` in crore)

Sl.No.

Particulars Gratuity 31.03.15

Gratuity31.03.14

Gratuity31.03.13

Gratuity31.03.12

Gratuity31.03.11

I. Principal Actuarial Assumptions

Discount Rate 8.00% 8.50% 8.00% 8.00% 8.20%

Salary escalation rate 5.50% 5.50% 5.50% 4.00% 4.25%

Attrition rate 1.00% 1.00% 1.00% 1.50% 0.75%

Expected rate of return on Plan Assets

8.81% 8.50% 8.50% 8.30% 8.30%

II. Changes in the Present Value of the Obligation (PVO)

PVO as at the beginning of the period

315.93 343.85 392.95 400.74 241.22

Interest Cost 22.77 26.49 28.51 29.24 17.67


Benefits Paid (62.70) (64.50) (73.09) (70.45) (51.51)

Actuarial (gain) / loss on obligation (balancing figure)

3.54 (7.36) (21.53) 18.34 53.04

PVO as at the end of the period 298.17 315.93 343.85 392.95 400.74

III. Changes in the Fair Value of Plan Assets

Fair Value of Plan Assets as at the beginning of the period

354.14 368.24 402.80 407.96 263.06


Contributions 0.00 21.00 31.50 16.00 167.16

Benefits Paid (62.70) (64.50) (73.09) (70.45) (51.52)


3.67 (1.90) (27.21) 17.59 2.63

Fair Value of Plan Assets as at the end of the period

326.31 354.14 368.24 402.80 407.96

220

Sl.No.


Gratuity31.03.14

Gratuity31.03.13

Gratuity31.03.12

Gratuity31.03.11

IV. Actual Return on Plan Assets



3.67 (1.90) (27.21) 17.59 2.63

Actual return on Plan Assets 34.87 29.40 7.03 49.29 29.26

V. Actuarial gain / (loss) recognised

Actuarial gain / (loss) for the period – Obligation

(3.54) 7.36 21.53 (18.33) (53.04)

Actuarial gain / (loss) for the period – Plan Assets

3.67 (1.90) (27.21) 17.59 2.63

Total gain / (loss) for the period 0.13 5.46 (5.68) (0.74) 50.41

Actuarial gain / (loss) recognised in the period

0.13 5.46 (5.68) (0.74) 50.41

VI. Amounts recognised in the Balance Sheet and related analysis

Present Value of the obligation 298.17 315.93 343.85 392.95 400.74

Fair Value of Plan Assets 326.31 354.14 368.24 402.80 407.96

Funded Status [Surplus/(Deficit)]

28.14 38.21 24.39 9.85 7.22

Amount recognised in the Balance Sheet

28.14 38.21 24.39 9.85 104.18

VII. Expenses recognised in the Statement of Profit and Loss


Interest Cost 22.77 26.49 28.51 29.24 17.67

Expected return on Plan Assets 31.20 31.30 (34.24) (31.70) (26.63)

Net Actuarial (gain) / loss recognised in the year

(0.13) (5.46) 5.68 0.75 50.42

Expenses recognised in the statement of Profit and Loss

10.06 7.18 16.96 13.37 84.81

VIII. Movements in the liability recognised in the Balance Sheet

Opening net liability (38.21) (24.39) (9.85) (7.22) (21.83)

Expense as above 10.06 7.18 16.96 13.37 84.81

Contribution Paid - (21.00) (31.50) (16.00) (167.16)

Closing Net Liability 28.15 (38.21) (24.39) (9.85) (104.18)

221

Sl.No.


Gratuity31.03.14

Gratuity31.03.13

Gratuity31.03.12

Gratuity31.03.11

IX. Amount for the Current Period

Present Value of obligation 298.16 315.93 343.85 392.95 400.73

Plan Assets 326.30 354.14 368.24 402.80 407.96

Surplus / (Deficit) 28.14 38.21 24.39 9.85 7.22

Experience adjustments on Plan Liabilities – gain / (loss)

(3.54) 7.36 21.53 (18.33) (77.05)

Experience adjustments on Plan Assets – gain / (loss)

3.67 (1.90) (27.21) 17.59 2.63

Note: In the absence of details from Actuary, contribution expected to be paid in the next year are not disclosed.

Actuarial assumptions relating to provisions for compensated absence are given below :

Interest rate :- 8% p.a

Salary inflation :- 5.50% p.a

Mortality :- LICI 1994-96

Attrition rate :- 10 per thousand p.a

Formula :- projected unit credit method

v) Details of Provisions as per As-15 made for various Long Term Employee Benefits during the year are as follows:

(` in Crores)

Sl. No. Other Long Term Benefits 31.03.2015 31.03.20141. Pension (net of reversals) 305.29 258.372. Leave Encashment* -3.69 NIL3. Gratuity 34.64 31.744. Sick Leave - -17.38

*Note: Actual expenditure of ` 39.13 crore (PY ` 34.83 crore) has been recognised in Profit and Loss Account by debiting Salary & Allowances Account.

vi) The Bank has made a provision of ̀ 208 crores towards increase in salaries arising out of 10th Bipartitite settlement with IBA but no provision has been made towards consequential increase in gratuity, pension and compensated absence liability. In the absence of the details of the increase under various components of salaries which is under discussion/determination, the amount of additional provision that may be required is indeterminate. The salary increase considered in actuarial valuation is sufficient to cover this increase also.

vii) During the year 2010-11, the Reserve Bank of India has issued a circular no.DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension Option to Employees of Public Sector Banks and Enhancement in Gratuity Limits – Prudential Regulatory Treatment, dated 9th February, 2011. In accordance with the provisions of the said Circular, ` 596 crores identified in the year 2010-11 is being amortised over a period of five years. Accordingly, ̀ 119 crores (representing the last year amortization of one-fifth of ` 596 crores) has been charged to the Profit and Loss Account in the current year. The above has resulted in decrease in the profit of the bank for the current year by ` 119 crores.

222

viii) Segment Reporting (AS-17) (` in Crores)

Business Segments # Treasury Corporate/WholesaleBanking

Retail Banking Other Banking Operations

Total

31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14 31.03.15 31.03.14

Revenue 3960.49 3215.20 5733.16 5169.14 2879.20 2547.03 579.64 485.05 13152.49 11416.42

Result 1024.09 560.77 (859.85) (577.98) 673.56 786.38 475.76 398.71 1313.56 1167.88

Unallocated Expenses 54.53 64.15

Operating Profit 1259.03 1103.73

Provisions & Contingencies 859.13 655.78

Provision for Taxes -39.51 32.04

Extraordinary Profit/Loss NIL Nil

Net Profit 439.41 415.91

OTHER INFORMATION

Segment Assets 48522.37 49097.52 61125.48 59320.90 30308.13 26217.51 318.87 371.22 140274.85 135007.15

Unallocated Assets 2317.35 2351.46

Total Assets 142643.09 137358.61

Segment Liabilities 47263.87 48842.99 59586.26 57239.30 29524.54 25173.54 3.70 2.98 136378.37 131258.81

Unallocated Liabilities 6264.71 6099.80

Total Liabilities 142643.09 137358.61

# For the purpose of segment reporting in terms of AS-17 and as prescribed in RBI guidelines, the business of the Bank has been classified into four segments i.e., a) Treasury Operations (b) Corporate/Wholesale Banking, (c) Retail Banking and (d)Other Banking Operations

# Since the Bank does not have any Overseas branch, reporting under geographic segment is not applicable.

# Expenses wherever directly related to segments have been accordingly allocated to segments and wherever not directly related have been allocated on the basis of segment revenue.

# Assets/liabilities wherever directly related to segments have been accordingly allocated to segments and wherever not directly related have been allocated on the basis of segment revenue/segments assets ratio.

The above information has been compiled based on data available at Head Office.

ix) The Bank has identified the following as related party as per AS-18 on Related Party Disclosures

a) Key Management Personnel :

1) Shri Kishore Sansi, M.D & CEO

2) Shri V Kannan, Chairman & Managing Director

3) Shri K.R. Shenoy, Executive Director

4) Shri B.S. Rama Rao, Executive Director

223

The transactions with Related parties during the year are as under:

a) i) Remuneration paid to Key Management Personnel during the year

Shri Kishore Sansi, M.D & CEO (01.01.2015 to 31.03.2015) ` 4,95,245/-

Shri V Kannan, C & MD (01.04.2014 to 31.12.2014) ` 23,24,658/-

Shri K.R. Shenoy, ED (01.04.2014 to 31.03.2015) ` 22,57,035/-

Shri B.S. Rama Rao, ED (01.04.2014 to 31.03.2015) ` 20,39,413/-

b) There has been no transaction with the relatives of the Key Management Personnel during the year.

c) Associates: NIL

x) Leases (AS -19)

a) Lease rent paid for operating leases are recognized as an expense in the Profit & Loss Account in the year to which it relates.

b) Future Lease Rent Payable for operating lease :

(` in Crore)

Particulars 31.03.2015 31.03.2014

Not Later than 1 year 94.87 94.03

Later than 1 year but not later than 5 years 478.96 376.11

Later than 5 years 481.51 282.08

Total 1055.93 752.22

Amount Charged to P&L 100.19 95.24

c) Future lease rents and escalation in the rent are determined on the basis of agreed terms.

d) At the expiry of initial lease term, generally the Bank has an option to extend the lease for a further pre-determined period.

e) The Bank does not have any financial lease.

xi) Earning Per Share (AS-20)

The Bank reports basic earnings per equity share in accordance with Accounting Standard 20 on “Earnings per Share”. Basic earnings per share for the period is computed by dividing net profit after tax by the weighted average number of equity shares outstanding during the year.

Calculation of Basic EPS/ Dilutive 31.03.2015 31.03.2014

a. Net Profit after tax available for equity share holders (` in Crores)

439.41 415.91

b. Weighted average number of equity shares (Numbers in crore)

85.91 54.47

c. Basic EPS/ Dilutive (in `) 5.11 7.64

d. Nominal Value per share (in `) 10 10

224

xii) Accounting for Taxes on Income (AS-22)

The Bank has accounted for Taxes on Income in compliance with Accounting Standard 22 - “Accounting for Taxes on Income” issued by the ICAI. Accordingly, deferred tax assets and liabilities are recognised.

a) The components of deferred tax are as under: (` in Crores)

Timing Difference Deferred Tax Asset Deferred tax liability

31.03.2015 31.03.2014 31.03.2015 31.03.2014

1. Provision for leave encashment 54.13 54.42 NIL NIL

2. Fixed Assets NIL 1.52 0.88 NIL

3. Unamortized pension NIL NIL NIL 32.14

4. Unamortized gratuity NIL NIL NIL 8.35

5. Provision for Restructured Advances

84.15 67.04 NIL NIL

6. Special Reserve u/s 36(i)(viii) of IT Act

NIL NIL 160.49 157.62

Total 138.28 122.98 161.37 198.11

b) Bank has not provided for Deferred Tax Liability (DTL) of ` 230 crores on account of timing differences arising out of investments in HTM category instruments. This is not in accordance with EAC opinion of ICAI. Bank contends that it has been advised and has approached IBA for clarification in this matter from appropriate authorities. Hence, no provision has been made by the Bank for DTL.

c) Amount of provisions made for Income Tax during the year: (` in Crores)

Particulars 31.03.2015 31.03.2014

Provision for Income Tax 106.81 210.00*

Provision for deferred tax (52.05) (67.96)

MAT Credit Entitlement (94.27) (110.00)

*Provision for Income Tax includes ` 90.00 crores towards disputed tax of earlier periods.

xiii) In the opinion of the Management, there is no material impairment of any of the Fixed Assets of the Bank as per Accounting Standard 28 – Impairment of Assets.

9. I) Customer Complaint

31.03.2015

(a) No. of complaints pending at the beginning of the year 44

(b) No. of complaints received during the year 1838

(c) No. of complaints redressed during the year 1845

(d) No. of complaints pending at the end of the year 37

225

II) Complaint details related to ATM transactions.

31.03.2015

1 No. of issues pending at the beginning of the year 96

2 No. of issues received during the year 12160

3 No. of issues resolved during the year 12222

4 No. of issues pending at the end of the year 34

10. Awards passed by the Bank’s ombudsman

31.03.2015

(a) No. of unimplemented Awards at the beginning of the year 0

(b) No. of Awards passed by the Banking Ombudsmen during the year 3

(c) No. of Awards implemented during the year 2

(d) No. of unimplemented Awards at the end of the year 1

11. During the year 2013-14, in Dec’13 the Bank has allotted 5,89,34,464 equity shares of ` 10 each to Government of India at a premium of ` 32.42 per share on preferential basis. In the month of Feb’14, the Bank has converted the Perpetual Non-Cumulative Preference Share Capital of ` 1200 crores held by Govt. of India into equity share capital at a premium of ` 29.39 Per share with face value of ` 10/- each.

12. During the current financial year RBI has levied penalty of `5.16 lacs

13. Break up of provisions and contingencies

(` in Crores)

Break up of ‘Provisions and contingencies’ shown under the head Expenditure in Profit and Loss A/c

31.03.2015 31.03.2014

Provision for depreciation on investment (71.90) 120.01

Provisions towards NPA 800.22 380.82

Provisions towards Standard Assets (including Restructured Std.) 87.07 153.21

Provisions made towards Income Tax (net):

i) Current Tax 106.81 210.00

ii) Deferred Tax (52.05) (67.96)

iii) MAT Credit Entitlement (94.27) (110.00)

Other Provision and Contingencies :

i) Provision for Contingencies 21.82 42.68

ii) Others 21.92 (5.01)

iiI) Excess Provision written back 0.00 (35.93)

Total 819.62 687.82

226

A sum of ` 31 crore has been provided under ‘Provision for Contingencies’ towards diminution in the fair value of one of the corporate NPA accounts.

13(a) Floating Provisions (` in Crores)

Particulars 31.03.2015 31.03.2014

(a) Opening balance 142.71 213.00

(b) Floating provisions made during the year NIL NIL

(c) Amount withdrawn during the year 71.36 70.29

(d) Closing balance 71.35 142.71

Pursuant to Reserve Bank of India Circular No. DBR No. BP.BC.79/2014.048 / 2014-15 dt. 30.03.2015, the Bank has utilised 50% of its floating provisions held as on 31st Dec. 2014.

Note: Floating provision has been utilised for reckoning the provision required in respect of Non-Performing advances.

14. Intra Group Exposure:

a) Total Amount of Intra group Exposures: NIL

b) Total amount of top-20 intra group exposures: NIL

c) Percentage of intra group exposures to total exposure of the bank on borrowers/customers: NIL

d) Details of breach of limits on intra-group exposures and regulatory action thereon, if any: NIL

15. Transfers to Depositor Education and Awareness Fund (DEAF): (` in crore)

Particulars 31.03.2015 31.03.2014

Opening balance of amounts transferred to DEAF 0.00 0

Add: Amounts transferred to DEAF during the year 62.88 0

Less: Amounts reimbursed by DEAF towards claims 0.01 0

Closing balance of amounts transferred to DEAF 62.87 0

16. Unhedged Foreign Currency Exposure:

(To the extent bank has been able to ascertain from borrowers and as certified by bank and relied upon by auditors)

Incremental Provisioning as on 31.03.2015: ` 1.51 crores.

Incremental Capital Requirement as on 31.03.2015: ` 14.18 crores.

227

17(a) Liquidity Coverage Ratio: (` in crore)

Current Year

Total Unweighted Value (average)

Total Weighted Value (average)

High Quality Liquid Assets

1 Total High Quality Liquid Assets (HQLA) 14048.92

Cash Outflows

2 Retail deposits and deposits from small business customers, of which

7908.32 764.13

(i) Stable deposits 533.48 26.66

(ii) Less stable deposits 7374.84 737.47

3 Unsecured wholesale funding, of which: 37457.65 18410.05

(i) Operational deposits (all counterparties) 0.00 0.00

(ii) Non-Operational deposits (all counterparties) 37457.65 18410.05

(iii) Unsecured debt 0.00 0.00

4 Secured wholesale funding

5 Additional requirements, of which 10579.82 1504.90

(i) Outflows related to derivative exposures and other collateral requirements

0.00 0.00

(ii) Outflows related to loss of funding on debt products

0.00 0.00

(iii) Credit and liquidity facilities 10579.82 1504.90

6 Other contractual funding obligations 1051.47 1051.47

7 Other contingent funding obligations 6071.68 303.58

8 Total Cash Outflows 22034.13

Cash Inflows

9 Secured lending (e.g. reverse repos) 171.40 0.00

10 Inflows from fully performing exposures 0.00 0.00

11 Other Cash Inflows 1739.06 1151.75

12 Total Cash Inflows 1910.46 1151.75

Total Adjusted Value

21 TOTAL HQLA 14048.92

22 Total Net Cash Outflows 20882.38

23 Liquidity Coverage Ratio (%) 67.276%

228

17(b)Qualitative disclosure around LCR:

(a) The main drivers of their LCR results and the evolution of the contribution of inputs to the LCR’s calculation over time;

The main drivers of the LCR is HQLA, the involvement of healthy HQLA not only improve the LCR percentage but also increase the ability of the bank to meet the liquidity requirement upto 30 days.

Intra-period changes as well as changes over time; Not Applicable

(b) The composition of HQLA; The composition of HQLA is divided into Level 1 Asset and Level 2A & Level 2B.

Level 1 Asset includes:

i. Cash including cash reserves in excess of required CRR.

ii. Government securities in excess of the minimum Statutory Liquidity Ratio(SLR) requirement.

iii. Within the mandatory Statutory Liquidity Ratio(SLR) requirement, Government securities to the extent allowed by Reserve Bank of India (RBI), under Marginal Standing Facility (MSF).

iv. Marketable securities issued or guaranteed by foreign sovereigns satisfying all the following conditions:-

(a) Assigned a 0% risk weight under the Basel II standardized approach for credit risk;

(b) Traded in large, deep and active repo or cash markets characterised by a low level of concentration; and proven record as a reliable source of liquidity in the markets (repo or sale) even during stressed market conditions.

(c) Not issued by a bank/financial institution/NBFC or any of its affiliated entities.

Level 2 assets (comprising Level 2A assets and Level 2B assets) can be included in the stock of liquid assets, subject to the requirement that they comprise no more than 40% of the overall stock of HQLAs after haircuts have been applied.

Level 2A and Level 2B assets would comprise of the following:

Level 2A Assets includes;

A minimum 15% haircut should be applied to the current market value of each Level 2A asset held in the stock. Level 2A assets are limited to the following:

1) Marketable securities representing claims on or claims guaranteed by sovereigns, Public Sector Entities (PSEs) or multilateral development banks that are assigned a 20% risk weight under the Basel II Standardised Approach for credit risk and provided that they are not issued by a bank/financial institution/NBFC or any of its affiliated entities.

2) Corporate bonds, not issued by a bank/financial institution/NBFC or any of its affiliated entities, which have been rated AA- or above by an Eligible Credit Rating Agency.

3) Commercial Papers not issued by a bank/ Primary dealers (PD)/financial institution or any of its affiliated entities, which have a short-term rating equivalent to the long-term rating of AA- or above by an Eligible Credit Rating Agency.

Level 2B Assets includes:

A minimum 50% haircut should be applied to the current market value of each Level 2B asset held in the stock. Further, Level 2B assets should comprise no more than 15% of the total stock of HQLA. They must also be included within the overall Level 2 assets. Level 2B assets are limited to the following:

i. Marketable securities representing claims on or claims guaranteed by sovereigns having risk weights higher than 20% but not higher than 50%, i.e., they should have a credit rating not lower than BBB- as per RBI Master Circular on ‘Basel III – Capital Regulations’.

ii. Common Equity Shares which satisfy all of the following conditions:

a) not issued by a bank/financial institution/NBFC or any of its affiliated entities;

229

b) included in NSE CNX Nifty index and/or S&P BSE Sensex index.

(c) Concentration of funding sources; Amount to be received by RBI / Central banks.

(d) Derivative exposures and potential collateral calls; Not Applicable

(e) Currency mismatch in the LCR; Not Applicable

(f) A description of the degree of centralization of liquidity management and interaction between the group’s units; and

The Fund Management desk in Treasury Management Department (TMD) is centralized liquidity management desk that manages the flow of funds between the two units.

(g) Other inflows and outflows in the LCR calculation that are not captured in the LCR common template but which the institution considers to be relevant for its liquidity profile.

Not Applicable

18. The bank has drawn down a sum of ` NIL/- (Previous year ` NIL) from General Reserve on account of payment of Lapsed Demand Drafts which were taken to general reserve earlier as per RBI approval.

19. Bank is not having adequate information in respect of Suppliers/Service providers covered under Micro, Small and Medium Enterprises Development Act, 2006. In view of this, information required to be disclosed u/s 22 of the said Act is not given.

20. Previous year’s figures have been re-grouped / re-classified / re-cast wherever necessary to conform to current year’s classification.





SUMA VARMA Director




AS PER OUR REPORT OF EVEN DATE

For M/s KARRA & CO. Chartered Accountants



Registration No: 000237NK.PREMKUMAR

PartnerMembership No:019170


Membership No:14213



For M/s PKF SRIDHAR & SANTHANAM LLP

Chartered AccountantsRegistration No: 003990S/S200018






230

STATEMENT OF CASH FLOW FOR THE YEAR ENDED 31.03.2015

PARTICULARS[` 000’s omitted]



CASH FLOW FROM OPERATING ACTIVITIES

Net Profit after tax 439 40 94 415 90 86

Provision for depreciation on fixed assets 54 53 24 64 14 62

Profit on sale of Fixed Assets - 50 48 - 20 82

Current Deferred Tax -52 04 56 -67 95 82Provision for income tax 106 81 00 210 00 00Mat Credit Entitlement -94 27 00 -110 00 00Provision in respect of NPA/restructured adv. 846 14 48 452 19 86Provision for Standard Assets 41 14 00 81 83 00Provision for Diminution in the value of Investments -71 89 60 120 01 15Payment/Provision for interest on Subordinate Bonds 189 08 09 144 15 03Provision for other Items 43 73 87 1 73 99Sub total:- 1502 13 98 1311 81 87Adjustment for net change in operating assets and liabilitiesDecrease/(Increase) in Investment -1864 81 78 -11420 43 09Decrease /( Increase ) in Advances -6037 97 61 -12190 46 85Increase / ( Decrease) in Deposits 2047 19 12 27278 92 25Increase/ ( Decrease) in Borrowings 1033 39 50 -1897 01 78Decrease/(Increase) in other Assets -12 77 46 -114 89 48Increase/( Decrease) in other Liabilities & Provisions 292 59 32 338 25 54Tax (paid)/ Refund -171 77 86 -390 20 53Net Cash from operating Activities (A) -3212 02 79 2915 97 94CASH FLOW FROM INVESTING ACTIVITIESFixed Assets (net) -104 20 28 -129 77 84Net cash from investing activities (B) -104 20 28 -129 77 84CASH FLOW FROM FINANCING ACTIVITIESIssue of share capital - -836 41 97Share Premium - 1086 41 97Subordinate bonds issued 1500 00 00 250 00 00Interest on subordinate bonds -189 08 09 -144 15 03Preference dividend paid & tax paid thereon - -119 33 49Equity dividend & Tax paid thereon -100 51 27 -144 93 90Interim dividend paid & tax paid thereon - -64 87 06Net cash from financing activities ( C) 1210 40 64 26 70 52Net cash & cash Equivalents (A+B+C) -2105 82 43 2812 90 62Cash & Cash equivalents at the beginning of the year 9457 65 60 6644 74 98

231





SUMA VARMA Director




AS PER OUR REPORT OF EVEN DATE





K.PREMKUMAR Partner



Membership No:14213









Place : Bengaluru

Date : 12.05.2015

PARTICULARS[` 000’s omitted]



Cash in Hand 373 49 97 417 56 29Balances with Reserve bank of India 5166 70 79 3500 13 42Balances with banks and money at call and short notice 3917 44 84 2727 05 27Cash & Cash equivalents at the end of the year 7351 83 17 9457 65 60Cash in Hand 493 80 86 373 49 97Balances with Reserve bank of India 6040 48 61 5166 70 79Balances with banks and money at call and short notice 817 53 70 3917 44 84

The above cash flow statement has been taken on record by the Board of Directors of the Bank at its meeting held on 12.05.2015.

232

INDEPENDENT AUDITOR’S REPORT

ToThe President of India/ Members,Report On the Financial Statements1. We have audited the accompanying financial statements of Vijaya Bank as at 31st March, 2015, which

comprise the Balance Sheet as at March 31, 2015, and Profit and Loss Account and the cash flow statement for the year then ended, and a summary of significant accounting policies and other explanatory information. Incorporated in these financial statements are the returns of 20 branches audited by us and 600 branches audited by branch auditors. The branches audited by us and those audited by other auditors have been selected by the Bank in accordance with the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheet and the Profit and Loss account are the returns from 998 branches which have not been subjected to audit. These unaudited branches account for 7 per cent of advances, 33 per cent of deposits, 34 per cent of interest income and 26 per cent of interest expenses.

Management’s Responsibility for the Financial Statements.2. Management is responsible for the preparation of these financial statements in accordance with Banking

Regulation Act, 1949 and Companies (Accounting Standards) Rules, 2006 read with the significant accounting policies of the Bank. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation of the financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted

our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement. SA 299 on “Responsibility of Joint Auditors – Para 2 and 3 on Division of work”, states that the joint auditors shall mutually decide upon the allocation of work amongst themselves and communicate to the entity. The allocation of work in the current year was made by the management of the bank without consulting the Joint Auditors. Management contends that the said allocation has been made in terms of appointment letter of RBI.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion6. In our opinion, as shown by books of the Bank, and to the best of our information and according to the

explanations given to us: (i) the Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the

necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at 31st March 2015 in conformity with accounting principles generally accepted in India;

(ii) the Profit and Loss Account, read with the notes thereon shows a true balance of profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and

(iii) the Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

233

7. Emphasis of Matter Without qualifying our opinion, we draw attention to the following: (i) Provision has not been made for Rs 230 crores on account of Deferred Tax Liability arising out of timing

differences in HTM category investments as explained in Note No. 8(xii)(b).(ii) Note 8(vi) to the financial statements, which states that the Bank has made a provision of Rs.208 crores

towards increase in salaries arising out of 10th bipartite settlement with the Employee Union, but no specific provision has been made towards consequential increase in gratuity, pension and compensated absences liability, in the absence of the details of the increase under various components of salaries which is under discussion/determination. The amount of additional provision is indeterminate. The bank contends that the salary increase considered in actuarial valuation is sufficient to cover this increase also.

(iii) Note 8(vii) to the financial statements, which describes the charge of last instalment of pension and gratuity liability of Rs. 119 crores for the current year, pursuant to the exemption granted by the Reserve Bank of India to the public sector banks from application of the provisions of Accounting Standard AS-15, Employee Benefits vide its circular no. DBOD. BP.BC/80/21.04.018/2010-11 on Re-opening of Pension Option to Employees of Public Sector Banks and Enhancement in Gratuity Limits – Prudential Regulatory Treatment. There is no further amount carried forward for charging in future periods.

Report on Other Legal and Regulatory Requirements8. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms “A” and “B” respectively

of the Third Schedule to the Banking Regulation Act, 1949.9. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the Banking

Companies (Acquisition and Transfer of Undertakings) Act, 1980, and subject also to the limitations of disclosure required therein, we report that:

(a) We have obtained all the information and explanations which to the best of our knowledge and belief, were necessary for the purposes of our audit and have found them to be satisfactory.

(b) The transactions of the Bank, which have come to our notice have been within the powers of the Bank except with regard to savings bank accounts opened in respect of Government Departments and Body Corporates.

(c) The returns received from the offices and branches of the Bank have been found adequate for the purposes of our audit.

10. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable accounting standards.




Registration No: 000237NK.PREMKUMAR

PartnerMembership No:019170


Membership No:14213For M/s KPMC & ASSOCIATES

Chartered Accountants Registration No: 05359C






Membership No:024105Place : BengaluruDate : 12.05.2015

234

BASEL DISCLOSURES DOCUMENT AS AT 31st March 2015TABLE DF-1 on group entities disclosures is not applicable to the Bank.

TABLE DF-2

CAPITAL ADEQUACY

Qualitative Disclosures(a) A summary discussion of the Bank’s approach

to assessing the adequacy of its capital to support current and future activities.

As per RBI directives, our Bank has adopted ‘Standardised Approach’ for Credit Risk, ‘Standardised Duration Approach’ for Market risk and ‘Basic Indicator Approach’ for Operational risk w.e.f. 31.03.2009. For assessment of additional Capital to support the current and future activities, the Bank follows ICAAP policy, put in place by the Bank. ICAAP is being reviewed on a half yearly basis in order to maintain adequate capital above the regulatory minimum on a continuous basis taking care of the future growth in business.

Quantitative Disclosures (` in crore)(b) Capital requirements for Credit Risk under

Basel II & Basel III:` 6133.17 (including other assets and counterparty un-hedged foreign currency exposure)NIL - as the Bank has no exposure under securitisation.

(c) Capital requirements for Market Risk Standardised duration approach:

Under Basel II: 496.59456.62

1.3538.62

Under Basel III: 491.86451.89

1.3538.62

` 7.09 crore

(d) Capital requirements for Operational Risk – Basic Indicator Approach

380.35

Basel II Basel III

Capital required: Min. Cap Required: 7010.11 7005.38 Capital Maintained: Capital Funds:

(as on 31.03.2015)9111.06 8895.16

(e) Total and Tier 1 Capital RatioBasel II Basel III

CRAR as on 31.03.2015: 11.70% 11.43%- 7.60%

Tier 1 Capital 8.25% 8.24%Tier 2 Capital 3.45% 3.19%Not applicable, as our Bank has no subsidiary.

235

TABLE DF-3

CREDIT RISK – GENERAL DISCLOSURES

Qualitative Disclosures

(a) The general qualitative disclosure requirement with respect to Credit Risk, including

impaired (for accounting purposes)

Risk Management Policy

The Credit Risk Management Process of the Bank is driven by sound system, procedures and policies. While the Board of Directors & Risk Management Committee of the Board gives directions, the Credit Risk Management Committee headed by Chairman & Managing Director ensures its implementation.

Policy guidelines for Credit Risk Management, Collateral Management and Credit

scope and nature of risk reporting, its measurement systems, policies, strategies to be adopted in containing / minimizing the risk through CRM, processing steps, developing monitoring and supervision mechanisms for the continuing effectiveness of mitigants have been detailed.

To move towards advanced approach of Basel II norms, the Bank has taken up implementation of integrated Risk Management System through six solutions for Credit Risk Rating, Credit Risk, Market Risk, Operation Risk, ALM & FTP.

The Bank’s policy on IRAC (Income Recognition & Asset Classification) norms is in tune with guidelines issued by the Reserve Bank of India, as amended from time to time. Ninety days delinquency norm is being followed in classifying the assets as ‘performing’ & ‘non-performing’ assets. The entire IRAC data has

on both Standard Assets (performing) and Non-Performing Assets. Apart from these, the Bank has created a general floating provision and additional provision for restructured assets.

Definition of impaired assets (for accounting purposes):

An asset becomes non-performing when it ceases to generate income for the Bank when (a) interest and/or installment of the loan remains ‘overdue’ (*) for a period of more than 90 days in respect of term loan (b) the account remains ‘out of order’ (#) for a period of more than 90 days, in respect of operative limits such as Cash Credit (Hyp./Misc.) (c) the bill remains ‘overdue’ for a period of more than 90 days in cases of bills purchased /discounted (d) the interest charged during any quarter, not fully serviced within 90 days from the end of the quarter (e) the installment of principal or interest thereon remains overdue for 2 crop seasons in the case of short duration crop loans and if installment of principal or interest thereon remains overdue for one crop season in the case of long duration crop loans, as far as agricultural loans are concerned (f) 90 days from the date of crystallization of non-fund based commitments expire.

* ‘overdue’ means any amount due to the Bank under any credit facility, if not paid on the due date fixed, or on crystallization of non fund based commitment.

# ‘out of order’ means the outstanding balance remains continuously in excess of the sanctioned limit/drawing power or if there are no requisite amount of credits continuously for 90 days or where credits in the account are not enough to cover the interest debited prior to 90 days.

Discussions on Bank’s Credit Risk Management Policy:

The Bank has formulated a comprehensive Credit Risk Management Policy and constituted various committees such as Credit Risk Management Committee, etc. to address host of management techniques which help the Bank in identifying, measuring, monitoring and controlling of credit risks by taking into account both external and internal factors affecting the credit risk. The Bank has fine tuned the Risk Management Policies & Lending Policy, to include credit appraisal standard like benchmark/hurdle ratios on key financial indicators, internal ceilings, prudential norms for large credit proposals, standards for loan collateral, portfolio management, credit concentration, Loan Review Mechanism /

236

Review Mechanism / Credit Audit, special review of high value borrowal accounts (Comprehensive Credit Monitoring Report), risk concentration / monitoring and pricing based on risk ratings, and review based on risk ratings etc, besides covering exposure ceiling for groups, ratings and sensitive sectors such as capital market, real estate and commodity sector. A comprehensive Recovery Policy of the Bank is also put in place and revised from time to time.

Quantitative Disclosures Gross Credit risk exposure :

(b) Total gross Credit Risk exposures - fund based & non-fund based

Fund based Gross Credit : ` 87691.54 crore

Investments : ` 30186.63 crore

Other Assets : ` 11612.08 crore

Non Fund based BG/ LC : ` 7568.84 crore

Derivatives & CCIL/MCX : ` 3893.61 crore

Undrawn : ` 10579.83 crore

Total : ` 151532.53 crore

(c) Geographical distribution of exposures -fund based & non fund based separately

Overseas: Fund based & Non fund based: NilDomestic:

Fund based Gross Credit : ` 87691.54 crore

Investments : ` 30186.63 crore

Other Assets : ` 11612.08 crore

Non Fund based BG/ LC : ` 7568.84 crore

Derivatives & CCIL/MCX : ` 3893.61 crore

Undrawn : ` 10579.83 crore

Total : ` 151532.53 crore

Geographic distribution of Gross credit, NFB and HTM investments is as under:

(` in crore)

State Gross credit Non Fund Based

HTMInvestments

Total

Andaman & Nicobar 39 3 0 43

Andhra Pradesh 2048 75 100 2223

Arunachal Pradesh 99 8 0 107

Assam 228 34 0 262

Bihar 146 13 36 195

Chandigarh 183 18 0 201

Chattisgarh 217 35 44 295

Dadra & Nagar Haveli

8 0 0 8

Delhi 12874 1168 27046 41088

Goa 146 3 0 148

3675 358 383 4417

Haryana 1868 30 51 1949

Himachal Pradesh 36 1 43 80

Jammu & Kashmir 12 1 56 69

237

(` in crore)State Gross credit Non Fund

BasedHTM

InvestmentsTotal

Jharkhand 94 10 0 105Karnataka 21263 798 544 22605Kerala 2626 36 157 2819Madhya Pradesh 494 21 38 553Maharashtra 23239 3436 439 27115Manipur 32 1 10 43Meghalaya 90 15 18 123Mizoram 50 2 0 52Nagaland 83 2 0 85Orissa 159 13 0 172Pondicherry 68 2 0 71

1000 10 172 11832110 47 109 2267

Sikkim 13 1 0 14Tamil Nadu 5520 471 775 6766Telangana 4172 523 0 4695Tripura 27 8 0 35Uttar Pradesh 2520 107 79 2707Uttaranchal 82 1 0 83West Bengal 2466 317 87 2869Total 87692 7569 30187 125447

Other Assets & Derivatives Are Maintained At Head Office

(d) Industry type distribution of credit Industrywise Deployment of Credit (` in crore)Industry Credit

15392.94Transport 5065.75Communication 664.65Social & Commercial Infrastructure 2423.56Water & Sanitation 434.21

4074.29Cement Industry 123.27Textile Industry 679.46Precious Stones And Jewellery 357.54

715.71Sugar Industry 183.62Refinery 165.47Aluminium 654.25Automobiles & Auto Parts 123.21Construction 2213.79Pharmaceuticals 250.89Agro Based 48.45Distillery 293.25Other Industry 29.13Total 33893.44

238

(e) Residual maturity breakdown of assets as at 31.03.2015: (` in crore)

Period 1 day 2-7 days

8-14days

15-28days

29days - 3 months

Over 3 months

to 6 months

Over 6 months

to 12 months

Over 1 year to 3 years

Over 3 years to 5 years

Over 5 years

Total

FC Assets 133.40 246.61 5.94 98.79 60.25 84.87 11.81 0.00 0.00 0.00 641.67

Advances 1065.50 672.56 953.44 1315.03 6883.28 4620.68 5236.40 43900.47 10981.87 11066.64 86695.87

Investments 224.22 220.42 323.84 309.79 1727.57 1467.85 2372.55 8056.27 9217.50 20602.08 44522.09

Position as on 31.03.2015 (` in crore)

(f) Amount of NPAs (Gross) 2443.211128.34

642.11656.27

16.310.18

(g) Net NPAs 1659.81(h) NPA Ratios:

2.78%1.92%

(i) Movement of NPAs (Gross):1985.862826.852369.502443.21

Movement of NPA (Net)1262.37

397.440.00

1659.81Movement of provisions for NPAs

709.92836.07776.24

0.00769.75

` 11.77 crore; Part payment received in ` ` 0.01 crore).

(k) Amount of Non-Performing Investments 9.25(Under HTM Category)

(l) Amount of provisions for depreciation on Non Performing Investments (NPI) 17.09(m) Movement of provisions for depreciation on Non Performing Investments (NPI):

12.474.620.000.00

17.09

239

TABLE DF-4

CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STANDARDISED APPROACH

Qualitative disclosures

(a) For portfolios under the standardised approach:

reasons for any changesThe Bank has used ratings given by RBI approved external credit rating agencies, viz CRISIL / ICRA

Rating only. In order to facilitate the process of external rating and enabling the customers to solicit external ratings for their exposure, the Bank has entered into a separate MOU with the credit rating agencies.

usedAll Corporate exposure above ` 5 Crore and exposure to public sector entities.

public issue ratings onto comparable assets in the banking book

Bank has used only bank ratings which are available in public domain. Further the Bank has not used any public issue ratings.

Quantitative disclosures

to the standardised approach, amount of a bank’s outstandings (rated and unrated) in the following

deducted:

Credit exposure ** (` in Crore)

97409.16

35047.27

10722.50

8353.60

TOTAL 151532.53

** Includes following off B/S exposure

` 7568.84 crore

Undrawn Portion ` 10579.83 crore

CCIL & MCX ` 302.35 crore

NFB Investments ` 3591.26 crore

Also includes other assets ` 11612.08 crore

240

TABLE DF-5

CREDIT RISK MITIGATION : DISCLOSURES FOR STANDARDISED APPROACH

Qualitative disclosures(a) The general qualitative disclosure require-

ment with respect to credit risk mitigation including:

indication of the extent to which the Bank makes use of, on and off balance sheet netting

The general principles, like having a specific lien, requisite minimum margin stipulation, valuation, legal certainty, documentation, periodical inspection, easy liquidity etc. as enumerated in Basel II final guidelines of RBI has been used for credit risk mitigation techniques. All the prescribed

are done. The financial collaterals available are netted out of the credit exposure before assigning the risk weights. The effect of Credit Risk Mitigation (CRM) is not double counted.

valuation and management.The financial collaterals taken for the purpose of CRM mainly includes Bank’s own term deposits, cash margin, life policies, NSCs, KVPs and gold benchmarked to 99.99 purity.

collateral taken by the bank.Guaranteed exposure includes those guaranteed by Central / State

counterparty and their creditworthiness.

and these exposures are well diversed.

credit) risk concentration within the mitigation taken.

Quantitative disclosures ` in crores

(b) For each separately disclosed credit risk portfolio, the total exposure (after where applicable, on or off balance sheet netting) that is covered by eligible financial collateral after the application of haircuts.

` 11612.08 crore.)

Credit risk exposure Loans & advance **

Non fund based

Investment* Total

98271.37 7568.84 34080.24 139920.45

CRM (fin. collaterals) 7495.21 167.50 0.00 7662.71

Net exposure 90776.16 7401.34 34080.24 132257.74

(c) For each separately disclosed portfolio the total exposure (after, where applicable, on or off balance sheet netting) that is covered by guarantees / credit derivatives (whenever specifically permitted by RBI)

` 11612.08 crore.)

* Including off balance sheet exposure

** Including Undrawn

` in crores

Guarantee status Loans & advance **

Non fund based

Investment*#

Total

98271.37 7568.84 34080.24 139920.45

Central/ State Govt. 7539.02 0.00 26385.60 33924.62

2839.93 0.00 0.00 2839.93

Guarantee total 10378.95 0.00 26385.60 36764.55

Net exposure 87892.42 7568.84 7694.64 103155.90

# this includes bonds/instruments issued by the Central/State Government and/or guaranteed by Central Government.

For the credit risk portfolio under the standardised approach (fund & non-fund based), the total eligible financial collaterals are reckoned after the application of haircuts wherever applicable.

241

TABLE DF-6

SECURITISATION DISCLOSURES FOR STANDARDISED APPROACH

The Bank has not securitised any asset during the half year ending 31.03.2015 either in Banking book or in trading book.

TABLE DF-7

MARKET RISK IN TRADING BOOK

Qualitative disclosure(a) The general qualitative disclosure requirement for market risk including the portfolios covered by the standardised approach

Market Risk is the potential risk due to market movements in interest rates, equity prices, foreign currencies and commodity prices.

Basel-II proposes two approaches for Market Risk viz Standarised Duration Approach and Internal Model Approach. At present, the bank has implemented "Standardized Duration Approach" and moving forward to implement Internal Model Approach. The Standardized Duration Approach has got following features.

1. The capital requirement under standardized approach is calculated based on

2. The general Market risk is calculated based on modified duration and change in yield.

3. The specific risk is calculated based on external risk rating, duration of the instrument etc.

Quantitative disclosures For the purpose of calculation of capital charge, the bank has adopted ‘Standardised Duration Approach’, as detailed below:

Aggregation of the capital charge for Market Risk under Basel-II as on 31.03.2015 ` in crore

(b) The capital requirement for Risk Category Capital charge(A) Capital Charge for Market Risk for securities held under HFT

Interest Rate (a+b) 22.80a. General Market Risk 22.80 (i) Net position (parallel shift) 22.80 (ii) Horizontal disallowance (curvature) 0.00 (iii) Vertical disallowance (basis) 0.00b. Specific Risk 0.00

(B) Capital charge for Market Risk for securities held under AFSInterest Rate (a+b) 433.82a. General Market Risk 309.21 (i) Net position (parallel shift) 309.21 (ii) Horizontal disallowance (curvature) 0.00 (iii) Vertical disallowance (basis) 0.00b. Specific risk 124.61

(C) Alternative total capital charge for securities held under AFS 152.97I. Interest rate related instruments {A+(B or C whichever is more)} 456.62II. Equity (a+b) 38.62 a. General market risk 17.16 b. Specific risk 21.46III. Foreign Exchange & Gold 1.35IV. Total capital charge for Market Risks (I+II+III) 496.59Total Risk Weighted Assets 5517.61

242

Aggregation of the capital charge for Market Risk under Basel-III as on 31.03.2015

` in crore

Risk Category Capitalcharge

(A) Capital Charge for Market Risk for securities held under HFT

Interest Rate (a+b) 22.80

a. General Market Risk 22.80

(i) Net position (parallel shift) 22.80

(ii) Horizontal disallowance (curvature) 0.00

(iii) Vertical disallowance (basis) 0.00

b. Specific risk 0.00

(B) Capital charge for Market Risk for securities held under AFS

Interest Rate (a+b) 436.18

a. General Market Risk 309.21

(i) Net position (parallel shift) 309.21

(ii) Horizontal disallowance (curvature) 0.00

(iii) Vertical disallowance (basis) 0.00


(C) Alternative total capital charge for securities held under AFS 156.20

I. Interest rate related instruments {A+(B or C whichever is more)}

458.98

II. Equity (a+b) 38.62

a. General market risk 17.16


III. Foreign Exchange & Gold 1.35

IV. Total capital charge for Market Risks (I+II+III) 498.95

Total Risk Weighted Assets 5543.89

capital) - ` 7.09 crore / 9%78.81

Total Risk Weighted Assets after adjustment 5465.08

TABLE DF-8

OPERATIONAL RISK


As stipulated in the RBI final guidelines on Basel II, the Bank is adopting Capital charge calculations for Operational Risk as per ‘Basic Indicator Approach’. The Bank has set up Operational Risk Management Committee to identify, assess ,monitor and control all operational risks apart from measures to mitigate such risks, by putting in place detailed policy & guidelines on Operational Risk Management (ORM), Loss Data, Risk & Control Self Assessment(RCSA),Key Risk Indicator (KRI), Scenario Analysis (SA), Business Line Mapping (BLM) policy, Business Continuity Policy(BCP), Business Continuity & Disaster Recovery Plan, Outsourced Activities, New Product & Activities Review, KYC norms and Anti-Money Laundering etc.

243

Further the Bank has put in place the following measures to manage, control and mitigate operational risks:-

Book of Instructions/Manuals are being updated at periodic intervals besides revising various policies on review at regular/annual interval.

Operational Risk losses(Fraud & Non-fraud data) are being reported to Operational Risk Management Committee on quarterly basis

The Bank has put in place IT Security Policy and has implemented various IT security related solutions like

Web filtering solution, forced password change, Router based security policies, Network Security Policies. The Bank has implemented policies relating to application access controls, password security, guidelines to avoid misuse of passwords, etc. in the Core Banking scenario. The Bank has been conducting information security & network audit for its network, Data Centre, Disaster Recovery Site, Business Units facilities. The Bank has been conducting vulnerability assessment and penetration testing for Critical Service like Internet Banking, Mobile Banking, Core Banking Solution to find the loop holes if any and taking corrective steps. The Bank has been conducting all its third party software applications to the process of IS audit to continuously improve the confidentiality, integrity, and availability of all its IT resources.

In order to mitigate the probability of system disruptions resulting in the business discontinuity, the Bank has implemented various levels of disaster recovery and business continuity mechanisms/measures specially for critical applications like Core Banking System, Network Facilities, ITMS, IRMS.

Risk Based Internal Audit (RBIA) is made applicable for all the branches from the year 2008-09 based on the revised RBIA format.

Bank has put business units under RCSA exercise in 15 operational areas viz. Retail Banking, Branch Operations, Internet Banking, ATM operation, Forex, Currency Chest, Lockers, Remittances, Information Technology, Debit Card & Credit Card operation, Treasury Operations, Trading & Sales (AFS/ HFT), Financial Inclusion, Payment & Settlement and Commercial Banking.

The Bank has been permitted by RBI to assess Operational Risk Capital under The Standardized Approach (TSA) - (Parallel run with effect from March 2015).

Quantitative disclosures:

Calculation of capital charge on Operational Risk

AVERAGE OF GROSS INCOME FOR THE LAST 3 YEARS

(` in crore)

Sr. No.

Description 31-03-2012 31-03-2013 31-03-2014

1 Net Profit 580.99 585.61 415.91

ADD

2 Provisions & Contingencies 649.07 536.42 687.82

3 1201.36 1362.97 1689.55

4 Sub-Total

LESS

5 Realised profit / loss from the sale of securities in the HTM category

16.29 60.72 13.64

6 Income from insurance activities and insurance claims in favour of Bank

3.08 3.89 5.14

244

(` in crore)Sr. No.

Description 31-03-2012 31-03-2013 31-03-2014

7 0.00 0.00 0.008 Reversal during the year in respect of provisions and write offs

made during the previous year0.00 0.00 0.00

9 Income from the disposal of items of movable and immoveable property

0.29 -0.13 -0.21

10 Income from legal settlements in favour of the Bank 0.00 0.00 0.0011 Sub-Total 19.66 64.48 18.5712 GROSS INCOME ( Sl.No.4 - Sl.No.11) 2411.76 2420.52 2774.71

Average of 3 years gross income = ` 2535.66 Crore

CAPITAL CHARGE FOR OPERATIONAL RISKS = Average of gross Income * alpha (15%)

= ` 380.35 Crore

Equivalent Risk weighted Assets: = ` 4226.11 Crore

TABLE DF-9

INTEREST RATE RISK IN THE BANKING BOOK(IRRBB)


The general qualitative disclosure requirement including the nature of IRRBB and key assumptions, including assumptions regarding loan prepayments and behaviour of non-maturity deposits and frequency of IRRBB measurement.

Interest Rate Risk Management:

understanding the money markets and debt capital markets in which it operates and within the context of these parameters, recognizing and quantifying its appetite for market risk.

The Bank uses two techniques/approaches to manage interest rate risks inherent in the Balance sheet:

1) The first approach is the on-balance sheet Asset Liability Management (ALM) using the results of the Traditional Gap analysis. This involves careful balancing/rebalancing of assets and liabilities, based on the interest rate view of the bank, so as to eliminate the interest earnings at risk. This is achieved through an exercise towards minimizing exposure to risks by holding the appropriate combination (type and maturity)

while simultaneously minimizing risk).

2) The second approach is off-balance sheet Asset Liability Management (ALM) through hedging. Hedging creates off-balance sheet positions. The OTC derivative product used by the Bank to hedge its trading portfolio and certain liabilities are the Interest Rate Swaps (IRS).

The Asset Liability Management techniques are deliberated by the Market Risk Management/Asset Liability Committee (MRMC/ALCO) in its monthly meetings, in addition to the discussions in the Balance Sheet Management Group meetings.

245

Analytics used by the Bank:

The Bank regularly analyses the Duration and Modified duration of Investment portfolio and rebalances the portfolio to minimize interest rate risk. This portfolio management technique is reviewed by the ALCO/MRMC and the Board at monthly intervals.

The Interest Rate Sensitivity (IRS) Gap statement based on the 1999 Guidelines on Asset Liability Management is prepared on a fortnightly basis. The bucket-wise rate sensitive gaps as a percentage of the rate sensitive assets are monitored by the MRMC/ALCO, at monthly intervals, against the Board stipulated Tolerance limits.

In the event of the tolerance limit breach, the MRMC/ALCO ratifies the breach with or without directing the operational departments to restructure the maturity profile of the Balance sheet items. This is commensurate with the view on interest rates and the market scenario. While preparing the Interest Rate Sensitivity statement, the Bank takes into account the results of the behavioral analysis conducted on the following:

(i) Volatile and Core portion of Savings deposits.

(ii) Repricing character of CC/OD accounts.

Earnings at Risk (EaR):

asset liability gaps up to the 3 months, 6 months and 1 year horizon is calculated. This analysis is conducted on a fortnightly basis and placed before the MRMC/ALCO in the monthly meetings and later to the Board in its monthly meetings.

or off balance sheet hedging strategies, is tracked on a fortnightly basis.

Quantitative disclosure:

The increase (decline) in earnings and economic value (or relevant measure used by management) for upward and downward rate shocks according to management’s method for measuring IRRBB, broken down by currency (where the turnover is more than 5% of the total turnover):

Earnings at Risk (EaR):

For a 100 basis point assumed increase in interest rates, the impact on NII for a 1 year gap horizons

` 72.36 crore

The Bank has fixed the tolerance limit at ` 172 crore.

Economic value approach:

The economic value, i.e. impact on Capital Fund due to change in interest rate by 200 bps is assessed through Modified Duration Gap method based on RBI guidelines. As a prudential measure limits have been fixed for net duration gap of the assets and liabilities and the same is monitored at regular intervals based on RBI guidelines.

246

TABLE DF-10

GENERAL DISCLOSURE FOR EXPOSURES RELATED TO COUNTERPARTY CREDIT RISK


(a) The general qualitative disclosure requirement with respect to derivatives and CCR, including:

to assign economic capital and credit limits for counterparty credit exposures;

collateral and establishing credit reserves;

respect to wrong-way risk exposures;

amount of collateral the bank would have to provide given a credit rating downgrade.

Counterparty Credit Risk (CCR) Limits for the banking counterparties are assessed based on an internal model that considers the parameters viz. credit rating and net worth of counterparties, net worth of the Bank and business requirements. In all other cases, CCR limit is approved based on credit assessment process followed by the Bank as per the Credit Policy and Procedural Manual. CCR limits are set on the amount and tenor while fixing the limits to respective counterparties with distinct limits for each type of exposure. Capital for CCR exposure is assessed based on Standardised Approach.

The Bank does not have any credit derivatives exposure at present.

Quantitative disclosures

(b) Gross positive fair value of contracts, netting benefits, netted current credit exposure, collateral held (including type, e.g. cash, government securities, etc.), and net derivatives credit exposure. Also report measures for exposure at default, or exposure

value of credit derivative hedges, and the distribution of current credit exposure by types of credit exposure.

(c) Credit derivative transactions that create exposures to CCR (notional value), segregated between use for the institution’s own credit portfolio, as well as in its intermediation activities, including the distribution of the credit derivatives products used, broken down further by protection bought and sold within each product group.

The Bank does not recognize bilateral netting. The derivative

and the balance outstanding as on March 31, 2015 is given below.

(Amount in ` crore)

Particulars Notional Amount Current Exposure

Foreign exchange contracts (Inter-Bank)

1472.83 42.65

247

TABLE DF - 11 : COMPOSITION OF CAPITAL

BASEL III - COMMON DISCLOSURE TEMPLATE(` in million)

Basel III common disclosure template to be used during the transitionof regulatory adjustments (i.e. from April 1, 2013 to December 31, 2017)

Amounts Subject to Pre-Basel III

Treatment

Ref No.

Common Equity Tier 1 capital: instruments and reserves

1 Directly issued qualifying common share capital plus related stock surplus (share premium)

25385.18

2 Retained earnings 11021.88 d

3 Accumulated other comprehensive income (and other reserves) 22825.32

4 -

-

5 Common share capital issued by subsidiaries and held by third -

6 59232.38

Common Equity Tier 1 capital: regulatory adjustments

7 -

8 Goodwill (net of related tax liability) -

9 Intangibles other than mortgage-servicing rights (net of related tax liability)

-

10 Deferred tax assets -

11 Cash-flow hedge reserve -

12 Shortfall of provisions to expected losses -

13 Securitisation gain on sale -

14 Gains and losses due to changes in own credit risk on fair valued liabilities

-

15 Defined-benefit pension fund net assets 0.0016 Investments in own shares (if not already netted off paid-in capital on

reported balance sheet)-

17 Reciprocal cross-holdings in common equity 35.1518 Investments in the capital of banking, financial and insurance entities

that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above 10% threshold)

-

19 Significant investments in the common stock of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions (amount above 10% threshold)

-

20 Mortgage servicing rights (amount above 10% threshold) -21 Deferred tax assets arising from temporary differences (amount

above 10% threshold, net of related tax liability)-

22 Amount exceeding the 15% threshold -

23 of which: significant investments in the common stock of financial entities

-

248



Treatment

Ref No.

24 of which: mortgage servicing rights -

25 of which: deferred tax assets arising from temporary differences -

26 -

26a of which: Investments in the equity capital of the unconsolidated insurance subsidiaries

-

26b of which: Investments in the equity capital of unconsolidated non-financial subsidiaries

-

26centities which have not been consolidated with the bank

-

26d of which: Unamortised pension funds expenditures -

-

out of unrealised losses on AFS debt securities (not relevant in Indian context)

-

-

-

27insufficient Additional Tier 1 and Tier 2 to cover deductions

0.00

28 Total regulatory adjustments to Common equity Tier 1 35.15

29 Common Equity Tier 1 capital (CET1) 59197.23

Additional Tier 1 capital: instruments

30 Directly issued qualifying Additional Tier 1 instruments plus related stock surplus (31+32)

5000.00 a1

31 of which: classified as equity under applicable accounting standards (Perpetual Non-Cumulative Preference Shares)

-

32 of which: classified as liabilities under applicable accounting standards (Perpetual debt Instruments)

5000.00 a1

33Additional Tier 1

-

34in row 5) issued by subsidiaries and held by third parties (amount allowed in group AT1)

-

35 -

36 Additional Tier 1 capital before regulatory adjustments 5000.00

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1 instruments -

38 Reciprocal cross-holdings in Additional Tier 1 instruments 51.05

249



Treatment

Ref No.

39 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above 10% threshold)

-

40 Significant investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

-

41 -

41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries

-

41bfinancial entities which have not been consolidated with the bank

-

-

-

-

-

42Tier 2 to cover deductions

-

43 Total regulatory adjustments to Additional Tier 1 capital 51.05

44 Additional Tier 1 capital (AT1) 4948.95

44a Additional Tier 1 capital reckoned for capital adequacy 4948.95

45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 64146.18

Tier 2 capital: instruments and provisions

46 Directly issued qualifying Tier 2 instruments plus related stock surplus 12500.00 a2+a3+a4

47 15000.00 +r+s+t

48rows 5 or 34) issued by subsidiaries and held by third parties (amount allowed in group Tier 2)

-

49 -

50 Provisions 5878.01

51 Tier 2 capital before regulatory adjustments 33378.01

Tier 2 capital: regulatory adjustments

52 Investments in own Tier 2 instruments -

53 Reciprocal cross-holdings in Tier 2 instruments 272.76

250



Treatment

Ref No.

54 Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation, net of eligible short positions, where the bank does not own more than 10% of the issued common share capital of the entity (amount above the 10% threshold)

-

55 Significant investments in the capital banking, financial and insurance entities that are outside the scope of regulatory consolidation (net of eligible short positions)

-

56 -

56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries

-

56bentities which have not been consolidated with the bank

-

-

of which: Basel III Discounting and Phase out of non Basel III complaint instruments at 70% as per Transitional Arrangements.

8300

-

57 Total regulatory adjustments to Tier 2 capital 8572.76

58 Tier 2 capital (T2) 24805.25

58a Tier 2 capital reckoned for capital adequacy 24805.25

58b Excess Additional Tier 1 capital reckoned as Tier 2 capital 0 Limits withdrawn as

per RBI circular

58c Total Tier 2 capital admissible for capital adequacy (58a + 58b) 24805.25

59 Total capital (TC = T1 + T2) (45 + 58c) 88951.43

Treatment-

-

of which: … -

60 Total risk weighted assets (60a + 60b + 60c) 778375.6

60a of which: total credit risk weighted assets 681463.7

60b of which: total market risk weighted assets 54650.8

60c of which: total operational risk weighted assets 42261.10

Capital ratios

61 7.60%

62 Tier 1 (as a percentage of risk weighted assets) 8.24%

63 Total capital (as a percentage of risk weighted assets) 11.43%

251



Treatment

Ref No.

64plus capital conservation and countercyclical buffer requirements, expressed as a percentage of risk weighted assets)

5.50%

65 of which: capital conservation buffer requirement 0.00%

66 of which: bank specific countercyclical buffer requirement 0.00%

67 of which: G-SIB buffer requirement 0.00%

68risk weighted assets)

2.10%

National minima (if different from Basel III)

69III minimum)

5.50%

70 National Tier 1 minimum ratio (if different from Basel III minimum) 7.00%

71 National total capital minimum ratio (if different from Basel III minimum) 9.00%

Amounts below the thresholds for deduction (before risk weighting)

72 Non-significant investments in the capital of other financial entities -

73 Significant investments in the common stock of financial entities -

74 Mortgage servicing rights (net of related tax liability) -

75 Deferred tax assets arising from temporary differences (net of related tax liability)

-

Applicable caps on the inclusion of provisions in Tier 2

76 Provisions eligible for inclusion in Tier 2 in respect of exposures 5878.01 u

77 Cap on inclusion of provisions in Tier 2 under standardised approach 8518.30

78 Provisions eligible for inclusion in Tier 2 in respect of exposures

cap)

N.A.

79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach

N.A.

Capital instruments subject to phase-out arrangements (only applicable between March 31, 2017 and March 31, 2022)

80 N.A.

81redemptions and maturities)

N.A.

82 N.A.

83 Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities)

N.A.

84 N.A.

85 Amount excluded from T2 due to cap (excess over cap after redemptions and maturities)

N.A.

252

TABLE DF - 12: Composition of Capital - Reconciliation Requirements(` in million)

LIABILITIES Balance Sheet as in consolidated financial statements as on

31.03.2015

Ref.No.

CAPITAL Equity Share Capital 8591.19 bReserves and Surplus I Statutory Reserve 14475.72 fII Capital Reserve 3584.36 gIII Share Premium 16793.98 cIV Revaluation Reserve 2365.17 vV General Reserve 127.96VI Revenue and Other Reserves A Investment fluctuation reserve 0.00

0.00 C Deferred tax reserve 0.00 D Special reserve in terms of sec.36(1)(Viii) 4637.27 K

11021.88 d

Total Capital, Reserves and Surplus 61597.54 Total Deposits 1263433.51

Borrowings (i) From R.B.I. 0.00 (ii) Other Banks 0.00 (iii) From other institutions and agencies 2299.00 Repo account 37982.94 (vii) Tier II bonds 27500 90 MONTHS BONDS 2010 - 7.50% 0.00 n 123 MONTHS BONDS 2015 - 7.15% 2500.00 o 120 MONTHS BONDS 2016 - 9.25% 2500.00 p 180 MONTHS BONDS 2022 - 10.10% 3000.00 q 123 MONTHS BONDS 2017 - 9.50% 2000.00 r 124 MONTHS BONDS 2018 - 9.35% 2000.00 s 180 MONTHS BONDS 2023 - 9.45% 3000.00 t 120 MONTHS BONDS 2023 - 9.73% 2500.00 a2 120 MONTHS BONDS 2024 - 9.15% 5000.00 a3 120 MONTHS BONDS 2025 - 9.54% 5000.00 a4

5000.00 a1

Total borrowings 72781.94

253

LIABILITIES Balance Sheet as in consolidated financial statements as on

31.03.2015

Ref.No.

Other liabilities and provisions

i Bills Payable 4736.79

ii Interest Accrued 2891.65

iii VRS Bonds 0.00

iv Provision for Standard Assets 4651.55 w

v Provision for 162.13

vi Others (Including Provisions) 15436.12

Total other Liabilities 27878.24

Grand Total of Liabilities 1425691.23

ASSETS Balance sheet as in consolidated financial statements as on

31.03.2015

Ref.No.

Total Cash & Bank bal with RBI 65342.95

Total bal with Banks & Money at call 8175.37

Total Investments 445220.99

Total Net Advances 866958.63

Total Fixed Assets 5666.45

Other Assets

-508.89

ii Interest Accrued 10040.31

iii Tax Paid in Advance 17507.08

iv Deferred Tax Assets -230.79

v Stationery and Stamps 15.99

vi Non Banking Assets 0.76

vii Gratuity Amortization 0.00 x

Pension Amortization 0.00 y

viii Others 7502.40

Total Other Assets (Schedule - 11) 34326.84

Grand Total of Assets 1425691.23

254

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abilit

yLi

abilit

yLi

abilit

yLi

abilit

yLi

abilit

yLi

abilit

yLi

abilit

y

11Or

igin

al d

ate

of is

suan

ceVa

rious

02-0

2-20

15

27-0

3-20

1520

-03-

2007

17-0

3-20

0815

-03-

2005

01-0

8-20

0631

-07-

2007

31-1

2-20

0723

-12-

2013

30-1

0-20

1418

-02-

2015

12Pe

rpet

ual o

r dat

edPe

rpet

ual

Perp

etua

lDa

ted

Date

dDa

ted

Date

dDa

ted

Date

dDa

ted

Date

dDa

ted

13Or

igin

al m

atur

ity d

ate

No M

atur

ityPe

rpet

ual

20-0

3-20

2217

-03-

2023

15-0

6-20

1501

-08-

2016

31-1

0-20

1730

-04-

2018

23-1

2-20

2330

-10-

2024

18-0

2-20

25

14Is

suer

cal

l sub

ject

to p

rior

supe

rvis

ory

appr

oval

NoNo

NoNo

NoNo

NoNo

NoNo

No

15Op

tiona

l cal

l dat

e,

cont

inge

nt c

all d

ates

and

re

dem

ptio

n am

ount

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

16Su

bseq

uent

cal

l dat

es, i

f ap

plic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

255

Sl.

Part

icul

ars

Equi

ty S

hare

sAT

1 B

onds

Base

l III

Uppe

r Tie

r II 1

Uppe

r Tie

r II 2

Low

er T

ier

II S4

Low

er T

ier

II S5

Low

er T

ier

II S6

Low

er T

ier

II S7

Tier

II S

8 Ba

sel I

IITi

er II

S9

Base

l III

Tier

II S

10

Base

l III

Coup

ons/

div

iden

ds

17Fi

xed

or fl

oatin

g di

vide

nd/

coup

onNo

t App

licab

leFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

Fixe

dFi

xed

Fixe

d

18Co

upon

rate

and

any

re

late

d in

dex

Not A

pplic

able

9.54

%

10.4

0%10

.10%

9.45

%7.

15%

9.25

%9.

50%

9.35

%9.

73%

9.15

%8.

62%

19Ex

iste

nce

of a

div

iden

d st

oppe

rNo

t App

licab

leYe

sYe

sYe

sYe

sYe

sYe

sYe

sYe

sYe

sYe

s

20Fu

lly d

iscr

etio

nary

, pa

rtia

lly d

iscr

etio

nary

or

man

dato

ry

Fully

di

scre

tiona

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ryM

anda

tory

Man

dato

ry

21Ex

iste

nce

of s

tep-

up o

r ot

her i

ncen

tive

to re

deem

NoNo

NoNo

NoNo

NoNo

NoNo

No

22No

n-cu

mul

ativ

e or

cu

mul

ativ

eNo

n-cu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

eCu

mul

ativ

e

23Co

nver

tible

or n

on-

conv

ertib

leNo

t App

licab

leNo

ncon

vert

ible

Nonc

onve

rtib

leNo

ncon

vert

ible

Nonc

onve

rtib

leNo

ncon

vert

ible

Nonc

onve

rtib

leNo

ncon

vert

ible

Nonc

onve

rtib

leNo

ncon

verti

ble

Nonc

onve

rtibl

e

24If

conv

ertib

le, c

onve

rsio

n tri

gger

(s)

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

25If

conv

ertib

le, f

ully

or

part

ially

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

26If

conv

ertib

le, c

onve

rsio

n ra

teNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

le

27If

conv

ertib

le, m

anda

tory

or

opt

iona

l con

vers

ion

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

28If

conv

ertib

le, s

peci

fy

inst

rum

ent t

ype

conv

ertib

le in

to

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

29If

conv

ertib

le, s

peci

fy

issu

er o

f ins

trum

ent i

t co

nver

ts in

to

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

30W

rite-

dow

n fe

atur

eNo

Yes

NoNo

NoNo

NoNo

Yes

Yes

Yes

31If

writ

e-do

wn,

writ

e-do

wn

trigg

er(s

)No

t App

licab

le**

Los

s ab

sorp

tion

feat

ures

(Writ

e-do

wn

&

Writ

e-up

)

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

** L

oss

abso

rptio

nfe

atur

es(W

rite-

dow

nan

d W

rite-

up)

** L

oss

abso

rptio

nfe

atur

es (W

rite-

dow

n an

d W

rite-

up)

** L

oss

abso

rptio

nfe

atur

es (W

rite-

dow

n an

d W

rite-

up)

32If

writ

e-do

wn,

full

or

part

ial

Not A

pplic

able

full

or p

artia

lNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

lefu

ll or

par

tial

full

or p

artia

lfu

ll or

par

tial

256

Sl.

Part

icul

ars

Equi

ty S

hare

sAT

1 B

onds

Base

l III

Uppe

r Tie

r II 1

Uppe

r Tie

r II 2

Low

er T

ier

II S4

Low

er T

ier

II S5

Low

er T

ier

II S6

Low

er T

ier

II S7

Tier

II S

8 Ba

sel I

IITi

er II

S9

Base

l III

Tier

II S

10

Base

l III

33If

writ

e-do

wn,

per

man

ent

or te

mpo

rary

Not A

pplic

able

Tem

pora

ry a

nd

Perm

anen

tNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leNo

t App

licab

leTe

mpo

rary

and

Pe

rman

ent

Tem

pora

ry a

nd

Perm

anen

tTe

mpo

rary

and

Pe

rman

ent

34If

writ

e-do

wn,

des

crip

tion

of w

rite-

up m

echa

nism

Not A

pplic

able

** L

oss

abso

rptio

nfe

atur

es(W

rite-

dow

nan

d W

rite-

up)

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

** L

oss

abso

rptio

nfe

atur

es(W

rite-

dow

nan

d W

rite-

up)

** L

oss

abso

rptio

nfe

atur

es (W

rite-

dow

n an

d W

rite-

up)

** L

oss

abso

rptio

nfe

atur

es (W

rite-

dow

n an

d W

rite-

up)

35Po

sitio

n in

sub

ordi

natio

n he

irarc

hy in

liqu

idat

ion

(spe

cify

inst

rum

ent t

ype

imm

edia

tely

sen

ior t

o in

stru

men

t)

Perp

etua

l Deb

t In

stru

men

tsAl

l oth

er

cred

itors

and

Depo

sito

rs

of th

e Ba

nk

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

All o

ther

cr

edito

rsan

d De

posi

tors

of

the

Bank

36No

n-co

mpl

iant

tra

nsiti

oned

feat

ures

NoNo

Yes

Yes

Yes

Yes

Yes

Yes

NoNo

No

37If

yes,

spe

cify

non

-co

mpl

iant

feat

ures

Not A

pplic

able

Not A

pplic

able

No lo

ssab

sorp

tion

feat

ures

No lo

ssab

sorp

tion

feat

ures

No lo

ssab

sorp

tion

feat

ures

No lo

ssab

sorp

tion

feat

ures

No lo

ssab

sorp

tion

feat

ures

No lo

ssab

sorp

tion

feat

ures

Not A

pplic

able

Not A

pplic

able

Not A

pplic

able

TAB

LE D

F -

14 :

** L

OS

S A

BS

OR

PTI

ON

FE

ATU

RE

S

(i)

It sh

ould

be

done

at l

east

one

yea

r af

ter

the

Ban

k m

akes

the

first

pay

men

t of d

ivid

end

to it

s co

mm

on s

hare

hold

ers

afte

r br

each

ing

the

pre-

spec

ified

trig

ger;

(ii)

A

ggre

gate

writ

e-up

in a

yea

r sh

ould

be

rest

ricte

d to

a p

erce

ntag

e of

div

iden

d de

clar

ed d

urin

g a

year

, the

per

cent

age

bein

g th

e ra

tio o

f the

„eq

uity

cre

ated

by

writ

ten-

dow

n B

onds

to „

the

tota

l equ

ity m

inus

the

equi

ty c

reat

ed b

y w

ritte

n-do

wn

Bon

ds;

(iii)

A

ggre

gate

writ

e-up

in a

yea

r, sh

ould

als

o no

t exc

eed

25%

of t

he a

mou

nt p

aid

as d

ivid

end

to th

e co

mm

on s

hare

hold

ers

in a

par

ticul

ar y

ear;

and

paid

as

coup

on in

a y

ear

will

be

reck

oned

as

amou

nt d

istr

ibut

ed fo

r th

e pu

rpos

e of

com

plyi

ng w

ith r

estr

ictio

ns o

n di

strib

utin

g ea

rnin

gs a

s en

visa

ged

in th

e ca

pita

l con

serv

atio

n bu

ffer

fram

ewor

k;

(v)

If

the

Ban

k is

am

alga

mat

ed w

ith o

r ac

quire

d by

ano

ther

ban

k af

ter

a te

mpo

rary

writ

e-do

wn

and

the

equi

ty h

olde

rs g

et p

ositi

ve c

ompe

nsat

ion

on a

mal

gam

atio

n/ a

cqui

sitio

n, th

e ho

lder

s of

B

onds

whi

ch h

ave

been

tem

pora

rily

writ

ten-

dow

n sh

all a

lso

be a

ppro

pria

tely

com

pens

ated

;

(vi)

Th

e w

rite-

dow

n m

ay b

e al

low

ed m

ore

than

onc

e in

cas

e th

e B

ank

hits

the

pre-

spec

ified

trig

ger

leve

l sub

sequ

ent t

o th

e fir

st w

rite-

dow

n w

hich

was

par

tial.

Als

o, th

e B

onds

onc

e w

ritte

n-up

ca

n be

writ

ten-

dow

n ag

ain;

(vii)

If

the

Ban

k go

es in

to li

quid

atio

n be

fore

the

Bon

ds h

ave

been

writ

ten-

dow

n, t

hese

Bon

ds s

hall

abso

rb lo

sses

in a

ccor

danc

e w

ith t

he o

rder

of s

enio

rity

and

as p

er u

sual

lega

l pro

visi

ons

gove

rnin

g pr

iorit

y of

cha

rges

;

(viii

) If

the

Ban

k go

es in

to li

quid

atio

n af

ter t

he B

onds

hav

e be

en w

ritte

n-do

wn

tem

pora

rily

but y

et to

be

writ

ten-

up, t

he h

olde

rs o

f Bon

ds s

hall

have

a c

laim

on

the

proc

eeds

of l

iqui

datio

n pari-passu

with

the

equi

ty h

olde

rs in

pro

port

ion

to th

e am

ount

writ

ten-

dow

n;

(ix)

If

the

Ban

k go

es in

to li

quid

atio

n af

ter

the

Bon

ds h

ave

been

writ

ten-

dow

n pe

rman

ently

, the

hol

ders

of t

he B

onds

sha

ll ha

ve n

o cl

aim

on

the

proc

eeds

of l

iqui

datio

n;

257

(x)

If

the

Ban

k is

am

alga

mat

ed w

ith a

ny o

ther

ban

k be

fore

the

Bon

ds h

ave

been

writ

ten-

dow

n, th

e B

onds

sha

ll be

com

e a

part

of t

he c

orre

spon

ding

cat

egor

ies

of r

egul

ator

y ca

pita

l of t

he n

ew

bank

em

ergi

ng a

fter

the

mer

ger;

(xi)

If

the

Ban

k is

am

alga

mat

ed w

ith a

ny o

ther

ban

k af

ter

the

Bon

ds h

ave

been

writ

ten-

dow

n te

mpo

raril

y, th

e am

alga

mat

ed e

ntity

can

writ

e-up

the

Bon

ds a

s pe

r its

dis

cret

ion;

(xii)

If

the

Ban

k is

am

alga

mat

ed w

ith a

ny o

ther

ban

k af

ter t

he n

on-e

quity

regu

lato

ry c

apita

l ins

trum

ents

hav

e be

en w

ritte

n-of

f per

man

ently

, the

se c

anno

t be

writ

ten-

up b

y th

e am

alga

mat

ed e

ntity

;

(xiii

)

If th

e re

leva

nt a

utho

ritie

s de

cide

to r

econ

stitu

te th

e B

ank

or a

mal

gam

ate

the

Ban

k w

ith a

ny o

ther

ban

k un

der

the

Sec

tion

45 o

f BR

Act

, 194

9, s

uch

a ba

nk w

ill b

e de

emed

as

non-

viab

le o

r ap

proa

chin

g no

n-vi

abili

ty a

nd b

oth

the

pre-

spec

ified

trig

ger

and

the

trig

ger

at th

e po

int o

f non

-via

bilit

y fo

r co

nver

sion

/ w

rite-

dow

n of

Bon

ds s

hall

be a

ctiv

ated

. Acc

ordi

ngly

, the

Bon

ds w

ill

be w

ritte

n-of

f bef

ore

amal

gam

atio

n/ r

econ

stitu

tion

in a

ccor

danc

e w

ith a

pplic

able

rul

es;

(xiv

)

The

Bon

ds s

hall

be w

ritte

n-do

wn

in o

rder

in w

hich

they

wou

ld a

bsor

b lo

sses

in a

gon

e co

ncer

n si

tuat

ion.

The

se B

onds

sha

ll ab

sorb

loss

es in

acc

orda

nce

with

the

orde

r of s

enio

rity

and

as

per

usua

l leg

al p

rovi

sion

s go

vern

ing

prio

rity

of c

harg

es;

(xv)

Th

e B

onds

sha

ll ha

ve o

ne o

r m

ore

of th

e fo

llow

ing

feat

ures

:

(xvi

)

The

amou

nt o

f Bon

ds to

be

writ

ten-

off s

hall

be d

eter

min

ed b

y th

e R

eser

ve B

ank

of In

dia;

(xvi

i)

Whe

n th

e B

ank

brea

ches

the

PO

NV

Trig

ger

and

the

equi

ty is

rep

leni

shed

thr

ough

writ

e-do

wn/

writ

e-of

f, su

ch r

eple

nish

ed a

mou

nt o

f equ

ity s

hall

be e

xclu

ded

from

the

tot

al e

quity

of t

he

Ban

k fo

r th

e pu

rpos

e of

det

erm

inin

g th

e pr

opor

tion

of e

arni

ngs

to b

e pa

id o

ut a

s di

vide

nd in

term

s of

rul

es la

id d

own

for

mai

ntai

ning

cap

ital c

onse

rvat

ion

buffe

r. H

owev

er, o

nce

the

Ban

k

non-

viab

ility

, or

has

alre

ady

reac

hed

the

poin

t of n

on-v

iabi

lity,

but

in th

e vi

ews

of R

BI:

a.

Th

ere

is a

pos

sibi

lity

that

a ti

mel

y in

terv

entio

n in

form

of c

apita

l sup

port

, with

or

with

out o

ther

sup

port

ing

inte

rven

tions

, is

likel

y to

res

cue

the

Ban

k; a

nd

b.

If

left

unat

tend

ed, t

he w

eakn

esse

s w

ould

infli

ct fi

nanc

ial l

osse

s on

the

Ban

k an

d, th

us, c

ause

dec

line

in it

s co

mm

on e

quity

leve

l.

(xix

)

The

purp

ose

of w

rite-

off

of t

he B

onds

sha

ll be

to

shor

e up

the

cap

ital l

evel

of

the

Ban

k. R

BI

wou

ld f

ollo

w a

tw

o-st

age

appr

oach

to

dete

rmin

e th

e no

n-vi

abili

ty o

f a

Ban

k. T

he S

tage

1

dete

rmin

ing

whe

ther

the

Ban

k is

abo

ut to

bec

ome

non-

viab

le. T

hese

crit

eria

sha

ll be

eva

luat

ed to

geth

er a

nd n

ot in

isol

atio

n.

(xxi

)

The

trig

ger

at P

ON

V s

hall

be e

valu

ated

bot

h at

con

solid

ated

and

sol

o le

vel a

nd b

reac

h at

eith

er le

vel s

hall

trig

ger

writ

e-do

wn.

(xxi

i) A

s th

e ca

pita

l ade

quac

y is

app

licab

le b

oth

at s

olo

and

cons

olid

ated

leve

ls, t

he m

inor

ity in

tere

sts

in r

espe

ct o

f cap

ital i

nstr

umen

ts is

sued

by

subs

idia

ries

of th

e B

ank

in

clud

ing

over

seas

su

bsid

iarie

s sh

all b

e in

clud

ed in

the

con

solid

ated

cap

ital o

f th

e ba

nkin

g gr

oup

only

if t

he in

stru

men

ts h

ave

pre-

spec

ified

trig

gers

/ lo

ss a

bsor

benc

y at

the

PO

NV.

In a

dditi

on,

if th

e B

ank

wis

hes

the

inst

rum

ent i

ssue

d by

its

subs

idia

ry(ie

s) to

be

incl

uded

in th

e co

nsol

idat

ed g

roup

's c

apita

l, th

e te

rms

and

cond

ition

s of

that

inst

rum

ent m

ust s

peci

fy a

n ad

ditio

nal t

rigge

r ev

ent.

258

259

[dO`m ~¡§HŸàYmZ HŸm`m©b`, g§.41/2, E_. Os. amoS ~o§Jbyé - 560 001

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H¥Ÿn`m h_o§, AmnHŸs ~ohVa godm HŸaZo HŸm _m¡HŸm Xo§.

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AJa EZB©gsEg HŸmo A_b _o§ Z bm`m Om gHŸm AWdm [HŸgs dOh ~¡§HŸ, EZB©gsEg HŸmo ~§X HŸa Xo Vmo, _¡§/h_ ~¡§HŸ HŸmo [Oå_oXma Zht RhamD§Jm/RhamE§§Jo.

Bg nVo na ôOo§

[b§H$ B©ZQ>mB‘ àm. {b{‘Q>oS>. ¶w{ZQ> : {dO¶m ~¢H$

gr-13, nÞmbmb {gëH$ {‘ëg H§$nmC§S>, Eb.~r.Eg. ‘mJ©^m§S>yn (npíM‘), _w§~B© - 400 078. ‘hmamîQ>—

Zm¡ A§HŸmodmbs HyŸQ g§»`m HŸs `WmVÏ`Vm HŸm gË`mnZ HŸaZo HoŸ [bE H¥Ÿn`m AmnHoŸ Cº ImVo go g§~§[YV AmnHoŸ ~¡§HŸ Ûmam Omas MoHŸ AWdm aÔ [HŸE JE MoHŸ HŸs \ŸmoQmo à[V g§b½Z HŸao§.

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eoàYmaHŸ HoŸ hñVmúma

260

VIJAYA BANKHEAD OFFICE, No. 41/2, M.G.ROAD, BENGALURU-560001

Dear Shareholder (s)

Re.: Payment of dividend through National Electronic Clearing Services (NECS)

Private Limited or to your Depository Participant (in case of demat holdings) we would request you to provide the said particulars in the format given below to facilitate prompt, safe and correct payment of dividend as soon as it is declared.Please ensure that the details submitted by you to the Registrars / Depository Participant are correct as any error therein could result in the dividend amount being credited to wrong account.

will help to prevent fraudulent encashment of dividend warrants.Kindly help us in our endeavor to serve you better.

Yours faithfully

Authorized Signatory

FORM FOR NECS MANDATE / BANK ACCOUNT PARTICULARS

(* Strike out whichever is not applicable) My /our Folio No. : ____________________________

DPID No._____________________ Client ID No.______________

Particulars of Bank Account

A. Bank Name : ______________________________________________B. Branch Name with IFSC Code : ______________________________________________ Address (for Mandate only) : ______________________________________________C. 9 Digit Code No. of the Bank & Branch as appearing on the MICR Cheque : ______________________________________________D. Account Type (Saving/Current) : ______________________________________________

F. STD Code & Telephone No. of Shareholder : ______________________________________________

Mail to

C-13, Pannalal Silk Mills Compound, L.B.S.Road, Bhandup (West), Mumbai-400078, Maharashtra.

Please attach the photocopy of a cheque or a blank cancelled cheque issued by your Bank relating to your above account for verifying the accuracy of the nine digit code number.In case you are holding shares in demat form, kindly advice your Depository Participant to take note of your Bank

Signature of the shareholder

261

[dO`m ~¡§HŸàYmZ HŸm`m©b`, g§.41/2, E_. Os. amoS ~o§Jbyé - 560 001

\Ÿm_© 'I'

àm°Šgs \Ÿm_©

(eoà YmaHŸ Ûmam âm OmE Ed§ hñVmúma [HŸE OmE§)

n§OsH¥ŸV \Ÿmo[b`mo g§. : . . . . . . . . . . . . .

(AJa A_yVs©HŸaU Z [HŸ`m J`m hmo Vmo)

SsnsAmB©Ss/JEmhHŸ AmB©Ss g§. : . . . . . . . . . . . . .

(AJa A_yVs©HŸaU [HŸ`m J`m hmo Vmo)

Ym[aV eoàmo§ HŸs g§.

_¡§/h_, ..................................................................................................... [Zdmgs ....................................

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YmaHŸ hy±/h¡§, ls/ls_Vs ................................ [Zdmgs ..................................................., [Obm ...........................

.........., amÁ` .................................... HŸmo `m CZHoŸ Z hmoZo na ls/ls_Vs ..............................[Zdmgs ........................

..........[Obm .................., amÁ` .............................., _wëHŸs gw§Xa am_ eoÅs g^mJ¥h, [dO`m ~¡§HŸ, àYmZ HŸm`m©b`, ~o§Jbyé – 560

001 _o§ gmo_dma, 22 OyZ, 2015 HŸmo g§nÝÝm hmoZo dmbs ~¡§HŸ HoŸ eoà YmaHŸmo§ HŸs n§Ðhdt dm[f©HŸ gm_mÝ` ~¡RHŸ _o§ Am¡a Cg na [HŸgs àHŸma HoŸ HŸm`©ñWJZ

na, _oas/h_mas Amoa go, _oao/h_mao [bE dmoQ XoZo hoVw, àm°Šgs HoŸ ên _o§ [Z`wº HŸaVm hy±/HŸaVo h¡§.

..................... HoŸ [XZ, ................ 2015 HŸmo hñVmúm[aV

……………………………….. ………………………………………………………… (àm°Šgs YmaHŸ HoŸ hñVmúma) (àW_ YmaHŸ/EHŸ_mÌ YmaHŸ HoŸ hñVmúma)

Zm_ : ………………………………………………………..

nVm :.………………………………………………………..

………………………………………………………...

………………………………………………………....

ZmoQ : nyU© ê$n go âo VWm ñQ¡åßS d hñVmúm[aV n«m°Šgs \Ÿm_© [dO`m ~¡§HŸ, eoà à^mJ, à.HŸm., E_.Os.amoS, ~o§Jbyé-560 001 _o§ ~¡RHŸ HŸs [XZm§HŸ go 4 [XZ nyd© AWm©V ~wYdma 17 OyZ, 2015 HŸmo gm`§ 5.00 ~Oo VHŸ HŸmamo~ma g_mpßV go nyd© nhw§M OmZo Mm[hE.

H¥$n`m n§Ðh

n¡go H$m amOñd {Q>H$Q>

{MnH$mE±

262

VIJAYA BANKHead Office: Bengaluru-560 001

FORM ‘B’

FORM OF PROXY

(To be filled in and signed by the shareholder)

Regd. Folio No:.

-------------------------------------------------------------------------------------(If not Dematerialized)

DPID/ Client ID No.

--------------------------------------------------------------------------------------(If Dematerialized)

No .of Shares Held

I/We , --------------------------------------------resident of------------------------------------------------------- in the District of------------

appoint Shri/Smt-------------------------------------------------- resident of--------------------------------------------------------------------------------------------in the District of --------------------------------------------------------------------------in the State of-------------------------or failing him, Shri/Smt---------------------------------------------------------------------------------------resident of ---------------------------------------------in the district of -------------------------------------------in the State of ------------------------------------------as my/

Signed this…………………… Day of…………………………..2015

……………………………….. …………………………………………………………(Signature of the Proxy) (Signature of the first holder/sole holder)

Name : ………………………………………………………..

Address :.………………………………………………………..

………………………………………………………...

………………………………………………………....

Bengaluru-560001 not later than 4 days prior to the date of meeting i.e. on or before the business hour at 5 PM on Wednesday, the 17th June 2015.

Please affix

Fifteen Paisa

Revenue

Stamp

263

NOTES

264

NOTES

Documents

{df¶ dñVw - Vijaya Bank Bank Annual...ímm»mmAm| HŸr g§»`m 1359 1512 1618 Ama{úm{V Am¡a A{Ümímoîm 3863 5029 5301 gHŸb bmäm 1122 1104 1259 {Zdb bmäm 586 416 439 HwŸb