NATIONAL FEDERATION OF STATE COOPERATIVE BANKS …nafscob.org/pubs/NAFSCOB Annual Report 2018-19.pdf · 2020-01-27 · 2. Shri Bhagat Singh Chairman Andaman & Nicobar State Cooperative

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.

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NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.

56TH

2018-2019

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E-mail : [email protected], Website : http://www.nafscob.org

J. K. Chambers, Fifth Floor,Plot No. 76, Sector - 17, VASHI,Navi Mumbai - 400 703.Tel. : (91) 22-2789 2741, 2789 2697,

2789 2738,Fax : (91) 22-2789 2604GSTIN : 27AAAAN0007B1ZG

56 ANNUAL REPORTTH56 ANNUAL REPORTTH

NAFSCOB/A-9(xxx)/2019-20/154 Date : 21-08-2019

The Members of the General Body of NAFSCOB

NOTICE

on Saturday, the 21 September 2019 in Board Room ofNAFSCOB, Fifth Floor, J.K. Chambers, Plot-76, Sector-17, VASHI, Navi Mumbai - 400 703

By Order of the Board/Chairman

(B. SUBRAHMANYAM)

Managing Director

Notice is hereby given that the Fifty Sixth Annual General Meeting of the National Federation of State CooperativeBanks Ltd. (NAFSCOB), will be held at 12.15 hrs.

to transact thefollowing business:

1. To confirm the Proceedings of the 55 Annual General Meeting of NAFSCOB held on 20 July 2018 atMumbai, Maharashtra.

2. To consider and approve the Auditors’ Report and Auditors’ Statement of Accounts of NAFSCOB for the year2018-2019 and also the Compliance on the Observations made by theAuditors.

3. To consider and adopt the Fifty SixthAnnual Report of NAFSCOB for the year 2018-2019.

4. To review the work of NAFSCOB and to formulate the programme of activities for the year 2019-2020 / long-term perspective plan and the annual operational plan.

5. To consider and approve theAnnual Budget of Income and Expenditure for the year 2019-2020.

6. To appoint Auditors for the Statutory Audit of Accounts of NAFSCOB for the year 2019-2020 and fix theirremuneration.

7. To peruse the list of the employees who are relatives of members of the Board or of the Chief Executive.

8. Any other item with the permission of the Chair.

In case there is no quorum till 12.45 hours, the meeting will stand adjourned and the adjourned meeting will be held at12.45 hrs to transact the business on the agenda of the original General Body Meeting Notice at the same place andon the same day whether there is a quorum or not.

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MEMBERS OF THE GENERAL BODY OF NAFSCOBAs on 31-03-2019

i

1. Chairman, NAFSCOBEx. M.P./Ex.Minister, Gujarat Director

Gujarat State Cooperative Bank Ltd.Sardar Vallabhbhai Patel Sahakar BhavanNr. Shastrinagar BRTS Bus Stand, NaranpuraAhmedabad - 380 013

2. Shri Bhagat Singh ChairmanAndaman & Nicobar State Cooperative Bank Ltd.98 Maulana Azad Road, Port Blair 744 101

3. Shri P. Venkateswara Rao, Ex.MLA,Ex.Minister, Andhra Pradesh Andhra Pradesh State Cooperative Bank Ltd.

Door No. 27-29-28, NTR Sahakara Bhavan,Governorpet, Vijayawada - 520 002Andhra Pradesh

4.Arunachal Pradesh State Cooperative Apex Bank Ltd.P.O. & T. Naharlagun, ‘D’ SectorNear Gen. Hospital, Naharlagun - 791 110

5. Shri Gautam Bora, Ex.MLA,Ex.Minister, Assam Assam Cooperative Apex Bank Ltd.

Apex Bank Building, Hem Barua Path,Pan Bazar, Guwahati - 781 001

6. Shri Ramesh Chandra Chaubey ChairmanBihar State Cooperative Bank Ltd.Ashok Rajpath, Patna - 800 004

7.Chandigarh State Cooperative Bank Ltd.S.C.O. 1088-89, Sector 22 BChandigarh - 160 022

8.Chhattisgarh Rajya Sahakari Bank MaryaditH.O. Raipur, Indira Gandhi Commercial Compound,P.O. Pandari, Raipur - 492 00

9. Dr. Bijender Singh, Ex.MLA PresidentDelhi State Cooperative Bank Ltd.31 Netaji Subhash Marg, DaryaganjNew Delhi - 110 002

Shri Dileep Sanghani,

President

Director

Sl.No.Sl.No.

Name of General Body MembersName of General Body Members Name of the SCBName of the SCB

NAFSCOB

ii

10. Goa State Cooperative Bank Ltd.H.O. “Sahakar Sankul”,EDC Complex, Patto Plaza, Panaji - 403 001

11.Haryana State Cooperative apex Bank Ltd.S.C.O. No.78-80, Bank Square, Sector 17-B,Chandigarh - 160 017

12. Shri Kushi Ram Balnatah, Ex. MLA ChairmanHimachal Pradesh State Cooperative Bank Ltd.No.1 Bank Building, 2nd Floor, The MallShimla - 171 001

13. Shri M.S. Dar ChairmanJammu & Kashmir State Cooperative Bank Ltd.“ATHWAS GAHH”, Silk Factory RoadRaj Bagh, Srinagar – 190 008

14. Shri K.N. Rajanna, Ex.MLA PresidentKarnataka State Cooperative Apex Bank Ltd.“UTHUNGA”, No.1 Pampa Mahakavi RoadChamrajpeth, Bengaluru - 560 018

15.Kerala State Cooperative Bank Ltd.“COBANK Towers”, P.O. Vikas BhavanPalayam, Thiruvananthapuram - 695 033

16.Madhya Pradesh Rajya Sahakari Bank MaryaditMultistoryed Building, T.T. Nagar, New MarketBhopal - 462 003

17. Shri Vidhyadhar V Anaskar AdministratorMaharashtra State Cooperative Bank Ltd.9 Maharashtra Chamber of Commerce Lane,Fort, Mumbai 400 023

18.Manipur State Cooperative Bank Ltd.Assembly Road, Imphal - 795 001

19. Shri Marchynna Syiem ChairmanMeghalaya Cooperative Apex Bank Ltd.Apex Bank Building, M.G. Road, Shillong - 793 001

20. Smt. T. Lalmuanpuii ChairpersonMizoram Cooperative Apex Bank Ltd.H.O. 2nd Floor, K.T. Khuma Building, Bara Bazar, Bungkawn,Aizawl - 796 001


iii

21.Nagaland State Cooperative Bank Ltd.Administrative Building, Khermahal,H.O. Dimapur, Dimapur - 797 112

22. Shri Akshaya Kumar Mohanty PresidentOdisha State Cooperative Bank Ltd.Pandit Jawaharlal Nehru Marg,Bhubaneswar - 751 001

23.Pondicherry State Cooperative Bank Ltd.204 E.C. Road (100 Feet Road)Olandaikeerapalayam, P.O. MuthaliarppetPuducherry - 605 004

24. Shri Harbir Inder Singh DirectorPunjab State Cooperative Bank Ltd.SCO No.175-187, Sector 34-A,Chandigarh - 160 022

25. Shri Abhay Kumar, IAS AdministratorRajasthan State Cooperative Bank Ltd.DC-1, Lalkothi Shopping CentreOpp. Nehru Balodyan, Tonk RoadJaipur - 302 015

26. Shri I.B. Rai, Ex.MLA,Ex.Minister, Sikkim Sikkim State Cooperative Bank Ltd.

National Highway No.31-A, Near Metro PointTadong - 737 102

27.Tamil Nadu State Apex Cooperative Bank Ltd.4, N.S.C. Bose RoadChennai - 600 001

28. Shri Konduru Ravinder Rao PresidentTelangana State Cooperative Apex Bank Ltd.Dr. Y.S. Rajasekhar Reddy Sahakara Bhavan4-1-441 Troop BazarHyderabad - 500 001

29.Tripura State Cooperative Bank Ltd.Amulya Market, 2nd Floor, Chowmohani,Mantribari RoadAgartala - 799 001

Chairman

NAFSCOB

iv

30.Uttar Pradesh Cooperative Bank Ltd.2 M.G. Road, Lucknow - 226 001

31. Shri Dan Singh Rawat ChairmanUttarakhand State Cooperative Bank Ltd.Administrative Building,Head Office - Haldwani,(Near Saras Market),Nainital Road, Haldwani,Nainital - 263139, Uttarakhand.

32.West Bengal State Cooperative Bank Ltd.24-A, Waterloo StreetKolkata - 700 069


NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.BOARD OF DIRECTORS OF NAFSCOB

As on 31-03-2019

v

1.

Sardar Vallabhai Patel Sahakar BhavanNr. Shastrinagar BRTS Bus Stand, Ankur Road,Naranpura, Ahmedabad – 380 013

2. Shri Bhagat Singh ChairmanAndaman & Nicobar State Cooperative Bank Ltd.98 Maulana Azad RoadPort Blair – 744 101

4

Apex Bank Building, Hem Barua PathPan BazarGuwahati – 781 001

5

Bihar State Cooperative Bank Ltd.Ashok RajpathPatna - 800 004

6 Dr. Bijender Singh, Ex. MLA PresidentDelhi State Cooperative Bank Ltd.,31 Netaji Subhash Marg, DaryaganjNew Delhi - 110 002

7

Himahcal Pradesh State Cooperative Bank Ltd.No.1, Bank Building, 2nd FloorThe Mall, Shimla – 171 001

8 Shri M.S. Dar ChairmanJammu & Kashmir State Cooperative Bank Ltd.

‘ ATHWAS GAHH’, Silk Factory RoadRaj Bagh, Srinagar – 190 008

9

Karnataka State Cooperative Apex Bank Ltd.“UTHUNGA”, No.1 Pampa Mahakavi RoadChamrajpeth, Bengaluru – 560 018

Shri Dileep Sanghani

Ex.MP/Ex. Minister, Gujarat

Chairman, NAFSCOB

Shri Gautam Bora, Ex. MLA/

Ex. Minister, Assam

Vice-Chairman, NAFSCOB

Shri Ramesh Chandra Chaubey


Shri Kushi Ram Balnatah, Ex. MLA


Shri K.N. Rajanna, Ex.MLA


Director

Gujarat State Cooperative Bank Ltd.

Director

Assam Cooperative Apex Bank Ltd.

Chairman

Chairman

President

3. Shri P. Venkateswara Rao, Ex.MLA, PresidentEx.Minister, Andhra Pradesh Andhra Pradesh State Cooperative Bank Ltd.

Door No. 27-29-28, NTR Sahakara Bhavan,Governorpet, Vijayawada - 520 002Andhra Pradesh

NAFSCOB

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.BOARD OF DIRECTORS OF NAFSCOB

As on 31-03-2019

vi

10

Maharashtra State Cooperative Bank Ltd.9, Maharashtra Chamber of Commerce LaneFort, Mumbai – 400 001

11 Shri Marchynna Syiem ChairmanMeghalaya Cooperative Apex Bank Ltd.Apex Bank Building, M.G. RoadShillong - 793 001

12 Smt. T. Lalmuanpuii ChairpersonMizoram Cooperative Apex Bank Ltd.2nd Floor, K.T.Khuma BuildingBazar Bungkawn, Aizawl – 796 001

13 Shri Akshaya Kumar Mohanty PresidentOdisha State Cooperative Bank Ltd.Pandit Jawaharlal Nehru MargBhubaneswar – 751 001

14 Shri Harbir Inder Singh DirectorPunjab State Cooperative Bank Ltd.SCO No. 175-187, Sector – 34-A,Chandigarh – 160 022

15 Shri Konduru Ravinder Rao PresidentTelangana State Cooperative Apex Bank Ltd.Dr. Y.S. Rajasekhar Reddy Sahakara Bhavan4-1-441 Troop Bazar, Hyderabad – 500 001

16 Shri Dan Singh Rawat ChairmanUttarakhand State Cooperative Bank Ltd.

1 Shri I.B. Rai, Ex.MLA,Ex. Minister, Sikkim Sikkim State Cooperative Bank Ltd.

National Highway No.31-ANear Metro Point, Tadong – 737 102

Shri Vidyadhar V Anaskar


Co-opted Director

Administrator

Chairman

Administrative Building,Head Office - Haldwani,(Near Saras Market),Nainital Road, Haldwani,Nainital - 263139, Uttarakhand.


NATIONAL FEDERATION OF STATE COOPERATIVE BANKS LTD.

EXECUTIVE COMMITTEE

NAFSCOB

CHAIRMEN & CHIEF EXECUTIVESOF

MEMBER STATE COOPERATIVE BANKS

(AS ON 31 MARCH, 2019)ST

1. Andaman & Nicobar SCB, Port Blair Shri Bhagat Singh* Shri K Murugan

2. Andhra Pradesh SCB, Vijayawada Shri P. Venkateswara Rao, Ex-MLA* Shri K. Tulasi Prasad

3. Arunachal Pradesh SCB, Naharlagun Shri Habung Lampung, APCS Shri Tsering Thongdok

4. Assam SCB, Guwahati Dr. Himanta Biswa Sarma Shri Shashank Shekhar Shastri

5. Bihar SCB, Patna Shri Ramesh Chandra Chaubey* Shri Chandrasekhar Singh

6. Chandigarh SCB, Chandigarh Miss Kriti Garg, IAS Shri Gurbachan Singh

7. Chhattisgarh SCB, Raipur ----- Shri H.K. Nagdeo

8. Delhi SCB, New Delhi Dr. Bijender Singh, Ex- MLA* Smt. Anita Rawat

9. Goa SCB, Panaji Shri V.B. Prabhu Verlekar Shri Anant M Chodankar (I/c)

10. Gujarat SCB, Ahmedabad Shri Ajaybhai H. Patel Shri Pradip M. Vora

11. Haryana SCB, Chandigarh Shri Gulshan Bhatia Shri Manoj Kumar Bansal

12. Himachal Pradesh SCB, Shimla Shri Khushi Ram Balnatah*, Ex.MLA Dr. Pankaj Lalit, HAS

13. Jammu & Kashmir SCB, Srinagar Shri M. S. Dar* Shri Mohammed Latif Dar

14. Karnataka SCB, Bangalore Shri K.N. Rajanna*, Ex. MLA Dr. K C Yatish Kumar, KCS

15. Kerala SCB, Thiruvananthapuram Shri V. Sanal Kumar, IAS Shri E. Devadasan, IAS

16. Madhya Pradesh SCB, Bhopal Shri Ramakant Bhargav Shri Pradeep Neekhra(I/c)

17. Maharashtra SCB, Mumbai Shri Vidyadhar V Anaskar* Dr. Ajit Ramrao Deshmukh

18. Manipur SCB, Imphal Shri Kh. Khamba Singh Dr. Ranjan Yumnam, MCS

19. Meghalaya SCB, Shillong Shri M. Syiem* Shri O.E.J. Nongbri

20. Mizoram SCB, Aizwal Smt. T. Lalmuanpuii* Shri Lalzuahliana

21. Nagaland SCB, Dimapur Shri Temjen Toy, IAS Shri R. Lipoktoba Aier

22. Orissa SCB, Bhubaneshwar Shri Akshaya Kumar Mohanty* Shri Debendra Kumar Jena, IAS

23. Pondicherry SCB, Pondicherry Shri E. Vallavan Thiru N. V. Baskaran

24. Punjab SCB, Chandigarh ------ Dr. S.K. Batish

25. Rajasthan SCB, Jaipur Shri Abhay Kumar, IAS Shri Inder Singh

26. Sikkim SCB, Gangtok Shri I.B. Rai, Ex-MLA** Smt Pema Chenzom

27. Tamil Nadu SCB, Chennai ------ Thiru B. Balamurugan

28. Telangana SCB, Hyderabad Shri Konduru Ravinder Rao* Dr. Nethi Muralidhar

29. Tripura SCB, Agartala Shri B. K. Sahoo, IAS Shri Aparna Debbarma

30. Uttar Pradesh SCB, Lucknow Shri Tejveer Singh Shri Bhupendra Kumar

31. Uttarakhand SCB, Haldwani Shri Dan Singh Rawat* Shri Deepak Kumar

32. West Bengal SCB, Kolkata Dr. M. V. Rao, IAS Shri Manasij Mukhopadhyay

SR.NO.

STATE COOPERATIVE BANKS CHIEF EXECUTIVEPRESIDENT / CHAIRMAN /CHAIRPERSON/SPECIAL

OFFICER/ ADMINISTRATOR

* Board of Directors.

** Coopted Director.

vii


NATIONAL FEDERATION OFSTATE COOPERATIVE BANKS LTD., NAVI MUMBAI

56 ANNUAL REPORT2018-2019

th

CONTENTS

SR.NO. PARTICULARS PAGE NO.

1. Introduction 01

2. Economic Environment 01

3. Agricultural Production from 2015-16 to 2018-19 01 - 2

4. Union Budget for the year 2019 – 20 2 - 6

5. Government of India – Initiatives for Short Term Cooperative Credit and Banking Sector. 6 - 7

6. Reserve Bank of India (RBI) – Monetary & Credit Policy and other Banking related initiatives – 2018-19 7 - 10

7. National Bank forAgriculture and Rural Development (NABARD) - Policy and other initiatives for 10 - 22

Short Term Cooperative Credit Institutions - 2018-19

8. Progress and Performance of Short Term Cooperative Credit Institutions 22 - 26

9. National Federation of State Cooperative Banks (NAFSCOB) 26 - 43

10. Planning, Research and Development (PRD) Cell, NAFSCOB 43 - 44

11. Conferences, Seminars, Workshops and Meetings by NAFSCOB 44 - 45

12. NAFSCOB Journal of Rural Cooperative Credit and Banking 45 - 46

13. Computerisation in NAFSCOB 46

14. Representation and Participation by NAFSCOB 46 - 50

15. Accounts and Finance of NAFSCOB 50-53

16. Acknowledgements 54

56 - 78Appendices

viii

NAFSCOB

LIST OF A P P E N D I C E S

Appendix - 1

Appendix - 2

Appendix - 3

Appendix - 4

Appendix - 5

Appendix - 6

Appendix - 7

Appendix- 8

Appendix - 8A

Appendix - 8B

Appendix - 8C

Appendix - 9

Appendix - 9A

Appendix - 9B

Appendix - 9C

Appendix - 10

Appendix - 10A

Appendix - 10B

Appendix - 10C

Appendix - 11

Appendix - 12

Agriculture Production - At a Glance - 2015-16 to 2018-19 56

Status of Bank Rate since 1935 57

Status of CRR - Since July 1935 58-60

State-wise sanctions and utilisation of Credit Limits to S.T.(SAO), ST-Weavers, MT 61

(Conversion) during the year 2018-19

Cooperative Development Fund - Assistance sanctioned to 62

Cooperative Credit Institutions as on 31.03.2019

Kisan Credit Card - Progress -2018-19 63

Kisan Credit Card - Agency-wise cumulative Progress since inception - 2018-19 64

Performance of SCBs during 2017-18 vis-à-vis 2016-17 - Statistical Presentation 65

SCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 66

Graphic Presentation

SCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 67

(Key Performance Parameters) - Graphic Presentation



Performance of DCCBs during 2017-18 vis-à-vis 2016-17 – Statistical Presentation 69

DCCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 70


DCCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 71




Performance of PACS during 2017-18 vis-à-vis 2016-17 - Statistical Presentation 73

PACS - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 74


PACS - Performance at a Glance during 2017-18 vis-à-vis 2016-17 75




Grant-in-Aid from the Ministry of Agriculture, Govt. of India to NAFSCOB 77

Managing Director and Officers of NAFSCOB (as on 31.03.2019) 78

Sr.No. Appendix Details Page No.

ix


56 ANNUAL REPORT - 2018 – 2019th

1. Introduction:

2. Economic Environment:

3. Agricultural Production from 2015-16 to 2018-19:

National Federation of State Cooperative Banks Ltd. (NAFSCOB) presents its Fifty-Sixth Annual Report for

the year 2018-19 with a brief on overall economic environment of the country including agriculture, Union

Budget (Interim) agenda for 2019-20 and various initiatives taken by Government of India (GoI). The

important policy initiatives of Reserve Bank of India (RBI) and National Bank for Agriculture and Rural

Development (NABARD) in the areas of regulation, development, refinance, supervision have been

enumerated and related circulars have been extensively quoted in two separate sections of the annual

report. Further, the important developments in the Short Term Cooperative Credit Structure (STCCS), the

initiatives of NAFSCOB and finally the performance of NAFSCOB during 2018-19 (April 01, 2018 to March 31,

2019) have been presented in this annual report for the perusal of our members.

Government announced a large recapitalization package (about 1.2 percent of GDP) to strengthen the

balance sheets of the Public Sector Banks (PSBs) In the Advance Estimates of GDP that released by Central

Statistics Office (CSO), the growth rate of GDP at constant market prices is pegged at 7.2 per cent in 2018-

19 from 6.75 per cent in 2017- 18. Major reforms were undertaken over the past year. The new Indian

Bankruptcy Code (IBC) has provided a resolution framework that will help corporates clean up their balance

sheets and reduce their debts. But India is in a grey zone of uncertainty on the role of states and markets.

Limitations on state capacity (centre and states) affect the delivery of essential services such as health and

education. At the same time, the introduction of technology and the JAM (Jan Dhan-Aadhaar-Mobile)

architecture, now enhanced by the Unified Payments Interface (UPI), holds the potential for significant

improvements in such capacity. All these measures may help for re-instating India as the world’s fastest

growing major economy.

The uncertainties in growth in agriculture are explained by the fact that more than 50 percent of

agriculture in India is rainfall dependent which aggravates the production risks. However, the declining

share does not undermine the significance of the sector for employment, livelihood and food security.

During 2018-19, the share of agriculture in total Gross Domestic Product (GDP) was 15.87 per cent. The

NATIONAL FEDERATION OFSTATE COOPERATIVE BANKS LTD., NAVI MUMBAI

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agriculture and allied sectors registered 3.8 per cent and 3.4 per cent growth in 2018-19 and 2017-18 (first

advance estimate) respectively.

As per the SecondAdvance Estimates (AE) for 2018-19 released on 28 February 2019, food grains production

during 2018-19, estimated at 281.37 million tonnes, is expected to be higher by 3.88 million tonnes over the

production of 277.49 million tonnes during 2017-18. As per the final estimates, the production of food

grains during 2017-18 is placed at 277.49 million tonnes (rice at 111.01 million tonnes and wheat at 97.11

million tonnes) vis-à-vis 275.11 million tonnes (rice at 109.70 million tonnes and wheat at 98.51 million

tonnes) in 2016-17. Production of pulses in 2018-19 is estimated at 24.02 million tonnes, sugarcane at

3808.34 Lakh tonnes, oilseeds at 315.02 lakh tonnes and cotton at 30.08 million bales of 170 kg each.

Details of Agricultural Production – 2015-16 to 2018-19 (2nd Advance Estimates) as provided by the Ministry

ofAgriculture, Government of India is given in

The Interim Union Budget for the year 2019-20 was presented in the Parliament on 01 February 2019 by

Interim Union Finance Minister and Union Minister for Railways, Coal and Corporate Affairs Shri Piyush

Goyal.

In his budget speech, the Interim Union Finance Minister quoted as “We are moving towards realising a ‘New

India’ by 2022, when we celebrate 75 years of India’s independence: an India which is clean and healthy,

where everybody would have a house with universal access to toilets, water and electricity; where farmers’

income would have doubled; youth and women would get ample opportunities to fulfill their dreams; an

India free from terrorism, communalism, casteism , corruption and nepotism”. Further, he also cited that

India was 11th largest economy in the world in 2013-14 , today India is placed in 6th largest in the world.

Interim Union Finance Minister, presented Interim budget proposals under twelve distinct themes viz. (i)

Farmer’s Progress and Increase in Income, (ii) Labour and Workers Dignity, (iii) Women’s development to

women led development, (iv) Empowering Youth to fulfill their potential, (v) Empowering MSMEs and

Traders, (vi) Strengthening Defence and National Security, (vii) Infrastructure development, (viii) Digital

India Revolution, (ix) Simplification of Direct Tax System to benefit Tax-payers, (x) GST Reform for benefit

to consumers and businesses, (xi) The Fiscal Programme for 2019-20 and beyond, (xii) Tax Proposals.

Appendix -1.

4. Union Budget for the year 2019 –20:


3

A) Budget – 2019-20 – Highlights:

I. Farmer’s Progress and Increase in Income:

i. Pradhan Mantri KIsan Samman Nidhi (PM-KISAN)

ii) Animal Husbandry and Fisheries:

II. Labour and Workers Dignity:

i. Pradhan Mantri Shram-Yogi Maandhan

• To provide an assured income support to the small and marginal farmers, Government is launching

a historic programme namely “Pradhan Mantri KIsan SAmman Nidhi (PM-KISAN)”.

• Under this programme, vulnerable landholding farmer families, having cultivable land upto 2

hectares, will be provided direct income support at the rate of 6,000 per year.

• This income support will be transferred directly into the bank accounts of beneficiary farmers, in

three equal instalments of 2,000 each.

• This programme will be funded by Government of India.

• Around 12 crore small and marginal farmer families are expected to benefit from this.

• The programme would be made effective from 1st December 2018 and the first instalment for the

period up to 31st March 2019 would be paid during this year itself. This programme will entail an

annual expenditure of 75,000 crore.

• An outlay of 75,000 crore for PM-KISAN for the FY 2019-20 is proposed.

• Allocation for Rashtriya Gokul Mission is increased to 750 crore in the current year itself.

• Union Govt. announced setting up of "Rashtriya Kamdhenu Aayog" to upscale sustainable genetic

up-gradation of cow resources and to enhance production and productivity of cows. The Aayog will

also look after effective implementation of laws and welfare schemes for cows.

• Creation of Government separate Department of Fisheries.

• Union Govt. proposed to provide the benefit of 2% interest subvention to the farmers pursuing the

activities of animal husbandry and fisheries, who avail loan through Kisan Credit Card. Further, in

case of timely repayment of loan, they will also get an additional 3% interest subvention.

• Union Government decided that all farmers affected by severe natural calamities, where

assistance is provided from National Disaster Relief Fund (NDRF), will be provided the benefit of

interest subvention of 2% and prompt repayment incentive of 3% for the entire period of

reschedulement of their loans.

• Union Government proposes to launch a mega pension yojana namely 'Pradhan Mantri Shram-Yogi

Maandhan' for the unorganised sector workers with monthly income upto 15,000.

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• This pension yojana shall provide them an assured monthly pension of 3,000 from the age of 60

years on a monthly contribution of a small affordable amount during their working age.

• An unorganised sector worker joining pension yojana at the age of 29 years will have to contribute

only 100 per month till the age of 60 years.

• A worker joining the pension yojana at 18 years, will have to contribute as little as 55 per month

only.

• Asum of 500 crore has been allocated for the Scheme.

• Union Govt. announced 3,00,000 crore to Defence and National Security in 2019-20 for securing

our borders and to maintain preparedness of the highest order, if necessary, additional funds would

be provided.

• Capital support from the budget for railways is proposed at 64,587 crore in 2019-20 (BE). The

Railways’ overall capital expenditure programme is of 1,58,658 crore. The Operating Ratio is

expected to improve from 98.4% in 2017-18 to 96.2% in 2018-19 (RE) and further to 95% in 2019-20

(BE).

• Allocation for the North Eastern Areas is being proposed to be increased by 21% to 58,166 crore in

2019-20 BE over 2018-19 BE.

• Total expenditure rises from 24,57,235 crore in 2018-19 RE to 27,84,200 crore in 2019-20 BE, a

rise of 3,26,965 crore or approximately 13.30%.

• Capital Expenditure for 2019-20 BE is estimated to be 3,36,292 crore.

• Centrally Sponsored Schemes (CSS) are proposed to be allocated 3,27,679 crore in BE 2019-20 as

against 3,04,849 crore in 2018-19 RE.

• Allocation for National Education Mission is being increased from Rs.32,334 crore in RE 2018-19 to

38,572 crore in BE 2019-20.

• Allocation for Integrated Child Development Scheme (ICDS) is being increased from 23,357 crore

in RE 2018-19 to 27,584 crore in BE 2019-20.

• Individual taxpayers having taxable annual income up to 5 lakhs will get full tax rebate and

therefore will not be required to pay any income tax.

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III. Strengthening Defence and National Security:

IV. Infrastructure Development:

V. The Fiscal Programme for 2019-20 and beyond:

VI. Tax Proposals:

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• As a result, even persons having gross income up to 6.50 lakhs may not be required to pay any

income tax if they make investments in provident funds, specified savings, insurance etc.

• In fact, with additional deductions such as interest on home loan up to 2 lakh, interest on

education loans, National Pension Scheme contributions, medical insurance, medical expenditure

on senior citizens etc, persons having even higher income will not have to pay any tax.

• This will provide tax benefit of 18,500 crore to an estimated 3 crore middle class taxpayers

comprising self-employed, small business, small traders, salary earners, pensioners and senior

citizens.

• For salaried persons, Standard Deduction is being raised from the current 40,000 to 50,000. This

will provide additional tax benefit of 4,700 crore to more than 3 crore salary earners and

pensioners.

• TDS threshold on interest earned on bank/post office deposits is being raised from 10,000 to

40,000. This will benefit small depositors and nonworking spouses.

• Further, the TDS threshold for deduction of tax on rent is proposed to be increased from 1,80,000

to 2,40,000 for providing relief to small taxpayers.

An attempt has been made to analyse the budget proposals pertaining to Agriculture & Farmers’ welfare,

unorganised Sector etc.

• We welcome the Union Govt. announcement of Pradhan Mantri KIsan SAmman Nidhi (PM-KISAN)”

providing direct income support at the rate of 6,000 per year to farmers .having cultivable land

upto 2 hectares.

• We appreciate Union Govt. announcement of setting up of "Rashtriya KamdhenuAayog" to enhance

production and productivity of cows.

• We also welcome Union Govt. proposal to provide the benefit of 2% interest subvention to the

farmers pursuing the activities of animal husbandry and fisheries, who avail loan through Kisan

Credit Card.

• We welcome Union Govt. initiative to provid the benefit of interest subvention of 2% and prompt

repayment incentive of 3% for the entire period of reschedulement of their loans.

• We welcome the launch of a mega pension yojana namely 'Pradhan Mantri Shram-Yogi Maandhan'

for the unorganised sector workers with monthly income upto 15,000.

The Interim Union Budget for 2019-20 should have addressed the following for strengthening of

STCCS):

• Restoration of exemption available under Section 80P of Income TaxAct, 1961

• Steps to ensure that the short term cooperative credit institutions are allowed to be healthy, viable

and member driven.

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B). BudgetAnalysis:

Short Term

Cooperative Credit Structure (

6


• Recapitalisation assistance to District Central Cooperative Banks (DCCBs) on the lines of Revival

Package recommended to STCCS by the Task Force on Revitalisation of Cooperative Credit

Institutions.

• Review, Revamp and Restructuring of Interest Subvention-An upward Revision.

• Support to implement Roadmap to enhance the share of cooperatives in agricultural credit.

• Steps taken for computerization of Primary Agricultural Credit Societies PACS as announced in the

Union Budget of 2017-18.

Now, permit me to place before you the various developments and important initiatives as well as events in

the short term cooperative credit and banking sector and other contributory developments during the

recent past and also during the year 2018-19.

The Under Secretary to Government of India, Ministry of Agriculture & Farmers Welfare, Department of

Agriculture, Cooperation & Farmers Welfare (Cooperation Division) vide his Order No. L-11011/3/2018-CET

dated 30 May 2018 conveyed the approval of the Government for the constitution of the General Body also

known as Governing Council of National Council for Cooperative Training (NCCT), which is now a

Registered Society under the Societies Registration Act, 1860 with the Registrar of Films & Societies UT,

Chandigarh bearing No. 4751 of 2018 dated 16 April 2018, as given in the said Order. Shri Dileep Sanghani,

Chairman, NAFSCOB has been nominated by the Ministry of Agriculture & Farmers Welfare in rotation for 2

years, as one of the members of the Governing Council of NCCT as per the the rule 6(X) of Rule of NCCT

under the Category of President/Chairman of National Level Cooperatives. His nomination will be valid

upto 29 May 2020.

Government of India vide its Gazette Notification No.3/2018, dated 04-05-2018 notified that Multi State

Co-operative Societies registered under the Multi State Co-operative Societies Act (MSCSA), 2002 as

Reporting Entities under the category ‘person carrying on designated business or profession’ under Section

2 of the Prevention of Money LaunderingAct (PMLA), 2002.

5. Government of India – Initiatives for Short Term Cooperative Credit and Banking Sector:

5.1. Government of India Order regarding Constitution of General Body of National Council for Cooperative

Training (NCCT):

5.2. FIU-IND letter directing Multi State Co-operative Societies registered under the Multi State Co-

operative Societies Act (MSCSA), 2002 to register as reporting entities under the category under

Section 2 of the PMLA, 2002:

7

NAFSCOB

5.3. GoI Notification regarding TDS Deduction under Section 194 A of the Income-Tax Act, 1961 in case of

senior Citizens:

5.4. Multi-State Co-operative Societies (Amendment) draft Bill, 2018 of GoI:

6. Reserve Bank of India – Monetary & Credit Policy and other Banking related initiatives – 2018-19:

6.1. Bi-monthly Monetary Policy Statements- 2018-19

GoI has been brought to the notice of Central Board of Direct Taxes (CBDT) that incase of Senior Citizens,

some TDS deductors/Banks are making TDS deductions even when the amount of income does not exceed

fifty thousand rupees. The same is not in accordance with the law as the Income-tax Act provides that no

tax deduction at source under section 194Ashall be made in the case of Senior Citizens where the amount of

such income or, the aggregate of the amounts of such income credited or paid during the financial year does

not exceed fifty thousand rupees. (Please refer to the third proviso to sub-section 3 of section 194A).

Under sub-rule (5) of Rule 31A of the Income-tax Rules, 1962, the Director General of Income-tax (Systems)

is authorized to specify the procedures, formats and standards for the purposes of furnishing and

verification of the statements or claim for refund in Form 26B and shall be responsible for the day-to-day

administration in relation to furnishing and verification of the statements or claim for refund in Form 26B in

the manner so specified.

Accordingly, Director of Income-tax (Systems), CBDT, Ministry of Finance, GoI vide its Notification

No.6/2018, dated 06th December, 2018 notified as “ In exercise of the powers delegated by the Central

Board of Direct Taxes (Board) under sub-rule (5) of Rule 31A of the Income-tax Rules, 1962, the Principal

Director General of Income-tax (Systems) hereby clarifies that no tax deduction at source under section

194A shall be made in the case of Senior Citizens where the amount of such income or, the aggregate of the

amounts of such income credited or paid during the financial year does not exceed fifty thousand rupees”.

The Department ofAgriculture, Cooperation & Farmers Welfare, Ministry ofAgriculture & Farmers Welfare,

GoI proposed amendment of the Multi State Cooperatives Act, 2002 and the draft bill has been prepared.

Keeping in view of the importance and seriousness of the issue National Cooperative Union of India (NCUI)

consulted stakeholders on 31st January 2019 for in-depth discussion on the proposed amendments to

prepare comprehensive, collected and strong representation before Ministry of Agriculture and farmers

Welfare.

The Governor, RBI announced following Bi-monthly statements during 2018-19:

• First Bi-monthly Monetary Policy Statement on 05-04-2018,

• Second Bi-monthly Monetary Statement on 06-06-2018,

• Third Bi-monthly Monetary Statement on 01-08-2018,

• Fourth Bi-monthly Monetary Statement on 05-10-2018,

8


• Fifth Bi-monthly Monetary Policy Statement on 05-12-2018 and

• Sixth Bi-monthly Monetary Policy Statement on 07-02-2019

Highlights of policy decisions announced by RBI through Bi-monthly Monetary Policy Statements during the

year 2018-19 are depicted as below:

• Increase the policy repo rate under the liquidity adjustment facility (LAF) by 25 basis points to 6.25

per cent.

• Consequently, the reverse repo rate under the LAF stands adjusted to 6.0 per cent, and the

marginal standing facility (MSF) rate and the Bank Rate to 6.50 per cent.

• Increase the policy repo rate under the liquidity adjustment facility (LAF) by 25 basis points to 6.5

per cent.


marginal standing facility (MSF) rate and the Bank Rate to 6.75 per cent

• reduce the policy repo rate under the liquidity adjustment facility (LAF) by 25 basis points from 6.5

per cent to 6.25 per cent with immediate effect.

• The Bank Rate stands adjusted by 25 basis points from 6.75 per cent to 6.50 per cent with

immediate effect.


marginal standing facility (MSF) rate and the Bank Rate to 6.5 per cent.

(Details of changes in Bank Rate, Repo Rate and Reverse Repo Rate are given in

.

According to Section 215 of Insolvency and Bankruptcy Code (IBC), 2016, a financial creditor shall submit

financial information and information relating to assets in relation to which any security interest has been

created, to an information utility (IU) in such form and manner as may be specified by regulations. RBI vide

its Circular dated 19-12-2017 advised all financial creditors regulated by RBI to adhere to the relevant

provisions of IBC, 2016 and Bankruptcy Board of India (IBBI) and IUs Regulations, 2017 and immediately put

in place appropriate systems and procedures to ensure compliance to the provisions of the Code and

Regulations

6.1.1 Highlights:

Appendices 2

and 3)

6.2. Submission of Financial Information to Information Utilities:

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NAFSCOB

6.3. Introduction of Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF) for Scheduled

State Cooperative Banks:

6.4. Amendments to Reserve Bank of India (Note Refund) Rules, 2009:

6.5. Reserve Bank of India Circular on Restructuring of Advances of Micro, Small and Medium Enterprises

(MSME) Sector:

6.6. Reserve Bank of India Guidelines on Tokenisation for debit/credit/prepaid card transactions:

6.7. Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks –

Spreading of MTM losses and Creation of Investment Fluctuation Reserve (IFR):

The Chairman, NAFSCOB taken up this issue of Introduction of Liquidity Adjustment Facility (LAF) and

Marginal Standing Facility (MSF) for Scheduled State Cooperative Banks with Governor, RBI vide letter

dated 11-05-2018 requesting RBI to consider opening Liquidity Adjustment Facility (LAF) Operation

window so as to enable the Scheduled State Cooperative Banks to invest such surplus funds, which are

unable to invest funds received after 1700 hrs in the money market, under the LAF facility. In this

connection RBI vide its Circular dated August 16, 2018 communicated the extension of the LAF to

Scheduled State Cooperative Banks (SCBs) which are CBS enabled and have CRAR of at least 9 percent with

effect fromAugust 20, 2018.

Reserve Bank of India (Note Refund) Rules, 2009 delegated powers to all branches of banks for exchange of

mutilated / defective notes. Reserve Bank of India has made amendments to the Reserve Bank of India

(Note Refund) Rules, 2009 to enable the public to exchange mutilated notes in Mahatma Gandhi (New)

series at bank branches and RBI offices, which are smaller in size compared to the earlier series. The

Reserve Bank of India (Note Refund) Amendment Rules, 2018 have since been notified in the Gazette of

India on September 6, 2018 (enclosed). These rules have come into force with immediate effect. The same

has been communicated to all banks by RBI vide its Circular dated September 7, 2018.

RBI vide its Circular dated January 1, 2019 communicated the decision to permit a one-time restructuring of

existing loans to MSMEs classified as ‘standard’ without a downgrade in the asset classification, subject to

certain conditions

In continuing the efforts to improve safety and security of card transactions, Reserve Bank of India had

permitted card networks for tokenization in card transactions for a specific use case. The same has been

communicated by RBI vide its dated January 08, 2019 along with directives.

NAFSCOB requested the Reserve Bank of India to consider providing the same facility/relief to the

Cooperative Banks as well. NAFSCOB also requested Chairman, NABARD to impress upon the RBI to peruse

10


the same. Based on the suggestions made by NABARD, NAFSCOB requested all the member SCBs to send us

the details of the impact analysis of the sharp increase in the yields on Government Securities and

requirement of huge provisioning made towards mark to market as on 31 March 2018 so as to continue to

take up the issue with RBI with the support of NABARD. It is infact a matter of satisfaction that RBI decided

to grant similar option to all SCBs DCCBs in respect of investments in current category. The same is

communicated by RBI vide its Circular dated 06-07-2018.

The policy was reviewed and NABARD communicated all SCBs about its decision to continue broadly with

the same policy for the financial year 2018-19. Highlights of the Policy for the year 2018-19 are given as

below:

i. The eligibility of refinance was linked to compliance with the CRAR norms, net NPAand completion

of audit.

ii. The quantum of refinance was 100% of RLP.

iii. Micro enterprises, small enterprises and medium enterprises had been included in terms of

amendment to NABARDAct 1981.

iv. The growing provisions of ST (others) refinance by NABARD during 2018-19 were furnished in

Annexure-I. The assessment norms hitherto followed for different purposes would continue

mutatis mutandis as indicated inAnnexure-II.

v. The refinance assistance, from NABARD to SCBs was available at an interest rate of 7.7% p.a.,

subject to revision as advised by NABARD from time to time.

i. ST-Agriculture and allied activities

ii. ST - for financing Bonafide Commercial or trade transactions (as contained in Section 21(1)(iv) of

the NABARDAct, 1981)

iii. ST - Marketing of crops

iv. ST - Industrial Cooperative Societies (other than weavers),

v. ST -Labour Contract engaged in any one or more of the 22 approved broad groups of

Microenterprises, small enterprises and medium enterprises, cottage and village industries,

handlooms, Forest Labour Cooperative Societies engaged in collection and marketing of Minor

Forest produce, Labour Contract Cooperatives engaged in civil work in rural areas,

7. National Bank for Agriculture and Rural Development - Policy and other initiatives for Short Term

Cooperative Credit Institutions - 2018-19:

7.1. NABARD Policy for the year 2018-19 on Provision of short term (ST) refinance by NABARD to State

Cooperative Banks for financing various purposes under Short Term (Others):

• Eligible activities:

11

NAFSCOB

vi. ST - Rural artisans including weaver members of PACS / FSS / LAMPS,

vii. ST – Fisheries Sector,

viii. ST - Purchase, Stocking and Distribution of Chemical Fertilizers and otherAgricultural Inputs.

ix. ST working capital loans for Societies and PACS,

• Refinance assistance, from NABARD to SCBs was available at the rate prescribed by NABARD, from

time to time. ( at present the rate of interest is 7.7 % p.a.)

:

The aggregate credit limits sanctioned for financing ST(SAO) by NABARD to SCBs on behalf of DCCBs from

April 1, 2018 to March 31, 2019 stood at 57980 Crore and the maximum outstanding for the said period was

73142 Crore. The state-wise sanction and maximum outstanding of Short Term Credit Limits for ST (SAO),

ST (Weavers) during the year 2018-19 is given in

7.3. NABARD Policy for the year 2018-19 on Provision ofAdditional Short Term (ST) refinance by NABARD to State

Cooperative Banks for financing SeasonalAgricultural Operations (SAO):

The Policy for the FY 2017-18 had since been reviewed and decided to increase the quantum of refinance for

the financial year 2018-19 by NABARD.

• The total limit sanctioned under Additional Short-Term refinance should not exceed 60% of RLP of

eligible CCBs including outstanding under normal ST (SAO) or as per para `4' of Annexure-I of the

NABARD Circular.

• Pending receipt of STCRC fund, the SCBs can draw upto 60% of GLC or as the case may be, under this

line of credit which may be adjusted on receipt of refinance under normal limit.

• NABARD advised all SCBs to submit an application for sanction of additional ST (SAO) credit limit on

behalf of all the eligible DCCBs, in the prescribed proforma to NABARD RO.

• SCBs / DCCBs having CRAR of 9% and above only (as on 31.03.2017) will be eligible.

• In case of SCBs with CRAR of 9% and above but individual DCCBs with less than 9%, no credit limit

was available on behalf of such DCCBs.

• In case of SCBs with CRAR less than 9% and DCCBs with CRAR greater than 9%, credit limit was

sanctioned directly to the DCCBs against Government Guarantee or against pledge of Government

approved securities/ FDRs of scheduled banks. In case of providing direct refinance to DCCBs,

guidelines issued vide NABARD circular dated 09.09.2011 were followed.

• SCBs in the North Eastern Region, Jammu & Kashmir, Sikkim, Himachal Pradesh, Uttarakhand and

Andaman & Nicobar Islands, were eligible for additional refinance of 20% with relaxation in net

NPAs.

• The rate of interest on refinance under this line of credit was 7.7 % during the year 2018-19, subject

to changes made by NABARD from time to time. Interest is payable at half-yearly rests on 30

September and 31 March.

7.2. Sanction of ST (SAO) Credit Limits

Appendix – 4.

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7.4. Guidelines/instructions regarding Risk Containment and Disclosure of all Off Balance Sheet (OBS)

transactions and Cyber Security in State Cooperative Banks and District Central Cooperative Banks

issued by NABARD.

7.5. Extension and modification of BHIM (Bharat Interface for Money) referral bonus scheme for individuals

and BHIM Cash back Scheme for Merchants:

7.6. NABARD Policy for the year 2018-19 for sanction of term loans to State Governments under Section 27

of the NABARDAct, 1981 for contribution to share capital of cooperative credit institutions.

7.7. Refinance Policy of NABARD for State Cooperative Banks on Schematic Lending for 2018-19:

NABARD advised all banks vide its circular dated 6 June 2018 to meticulously follow the RBI/NABARD

instructions regarding risk containment and disclosure of all the OBS transactions in the annual financial

statements and also ensure complete integration of the OBS transaction data with the CBS, in order to

mitigate the possibility of such risk. OBS items hold the potential to jeopardise the financial health of the

bank, if not handled with care.

Banks may link all off balance sheet items with the CBS immediately. It may be ensured that all transactions

of the bank, financial or otherwise (i.e., bank guarantees etc.) are routed through CBS.

Government of India seeks to encourage citizens to move towards digital economy by incentivizing the

individuals and merchants. To popularize BHIM App for digital transactions, GoI has launched two schemes

namely (i) BHIM- Cash back Scheme for Merchants and (ii) BHIM -Referral Bonus Scheme for Individuals.

Further, the Ministry of Electronics and Information Technology (MeitY), Government of India has revised

the above schemes and extended the scheme period from l April 2018 to 31 March 2019. The same was

communicated by NABARD vide its Circular dated 4April 2018.

NABARD provides long-term loans by way of reimbursement to State Governments under Section 27 of

NABARD Act, 1981 for contributing to the share capital of cooperative credit institutions, viz. SCBs, DCCBs,

PACS/Farmers Service Societies (FSS)/Large sized Adivasi Multipurpose Society (LAMPS), State Cooperative

Agriculture and Rural Development Banks (SCARDBs) and Primary Cooperative Agriculture and Rural

Development Banks (PCARDBs). NABARD vide its circular dated 11-04-2018 communicated the continuation

of the said policy for the year 2018-19 on the lines of policy circular dated 14-06-2017 for the year 2017-18.

The policy for the year 2018-19 was finalized and communicated the same to all SCBs by NABARD vide its

circular dated 11-04-2018.

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NAFSCOB

The highlights of the ST (SAO) Policy for the year 2018-19 are as follows:

• The quantum of ST (SAO) refinance was continued to be linked to Net NPA level of the SCB. The

norms which were operational during 2017-18 were continued during 2018-19 with following

modifications:

• The eligibility for quantum of refinance among other things, were based on the net NPA position of

SCBs as on 31.03.2017.

- NPAposition as indicated in the statutory audit report formed the basis for eligibility.

- However, in the event of any variation in the net NPA position as indicated in the audit report and

the Inspection Report of NABARD, the latter was to be reckoned for determining the eligibility.

- The net NPA position at SCB / DCCB level and not at the level of SCB / DCCB branches were to be

reckoned for the purpose of eligibility of SCB.

- In case, there is improvement / deterioration in any of the financial parameters as on 31.03.2018

[after completion of statutory audit], the same was to be reckoned for eligibility of refinance

limit).

• The CRAR norms applicable to SCBs / DCCBs. accordingly, refinance available to licensed SCBs

(scheduled / non-scheduled) / licensed DCCBs complying with CRAR of 9% and above as on

31.03.2017.

• In case of SCBs with CRAR less than 9% but individual DCCBs with CRAR of 9% and above, credit limit

was sanctioned directly to the DCCBs against Government guarantee or against pledge of

Government / approved securities / FDRs of scheduled banks.

• Quantum of Refinance:

7.8. NABARD Policy for the year 2018-19 on Provision of Short Term (ST) refinance by NABARD to State

Cooperative Banks for financing SeasonalAgricultural Operations (SAO):

Criteria Quantum of refinance

Low risk category (Marks 65 and above) The quantum of refinance was unrestricted, subject to thebanks' realistic lending program acceptable to NABARD and theoverall allocation for the State / Bank.

Moderate risk category (Marks50 to 64) and Medium riskcategory (Marks 40 to 49)

The quantum of refinance was fixed at 25% over and abovethe refinance drawn in the previous year / 90% of the groundlevel credit for term loans disbursed by the concerned SCB /DCCB during 2016-17, whichever is higher.

High risk category (Marks below 40) Bank was not be eligible for refinance.

14


• Detailed guidelines for providing refinance directly to the DCCBs had already been issued vide our

Circular No. 172 dated 09.09.2011.

• The audit of SCBs and DCCBs for the year ending 31.03.2018 should be completed and the relevant

report submitted to the concerned RO of NABARD by 30.09.2018.

• Drawals after 01.10.2018 was permitted only to such SCBs and DCCBs which had completed the

audit for 2017-18 and submitted the relevant report to the concerned RO of NABARD.

• Details of Quantum of Refinance under NABARD ST (SAO) Policy for the year 2018-19 are given

below:

Net NPAs of SCBs Eligible limit (as a percentage of RealisticLending Programme (RLP) of eligible

DCCBs)

Normal ‘Quantum of Refinance

- Up to 6%

- Above 6% and up to 10%

- About 10% and up to 20%

- above 20%

- 40%

- 35%

- 30%

- not eligible

Additional Refinance of 20% with Relaxation in Net NPAs*

- Up to 15%


- About 25%

- 60%

- 55%

- not eligible

*

Additional Refinance of 5% over and above the Applicable Normal Quantum of Refinance**

- Up to 6%


- About 10% and up to 20%

- Above 20%

- 45%

- 40%

- 35%

- not eligible

SCBs in the North-Eastern Region, Jammu & Kashmir, Sikkim, Himachal Pradesh, UttarakhandandAndaman & Nicobar islands would be eligible for additional refinance of 20% with relaxationin net NPAs

SCBs in the Eastern Region viz.. Bihar, Orissa, West Bengal, Chhattisgarh states and 28 districtsin Eastern Uttar Pradesh (under BGREI scheme of government of India) would be eligible foradditional refinance of 5% over and above the applicable normal quantum of refinance.

**

15

• Non-scheduled SCBs which fulfill the CRAR criteria as mentioned above, were eligible for sanction

of credit limits against Government guarantee under Sec. 21 (3)(a) of NABARD Act,1981 or pledge

of Government / approved securities under See. 21(2)(i) of Act ibid and / or pledge of FDRs of

scheduled commercial banks under Sec. 33 ofAct ibid.

• NABARD would sanction separate sub-limits for 2018-19 under ST (SAO) credit limits for financing:

- cultivation of other crops (OC),

- cultivation of oilseeds under National Mission on Oilseeds and Oil Palm (NMOOP - Oilseeds) in the

identified districts,

- cultivation of pulses under National Food Security Mission Pulses (NFSM - Pulses) in the identified

districts and

- production credit requirements of tribals under Development of Tribal Population (DTP).

Accordingly, the consolidated limit sanctioned to SCB segregated into sub-limits for SAO-OC, SAO-

NMOOP, SAO-NFSM (Pulses) and SAO-DTP on the basis of DCCB-wise Realistic Lending Program for

respective purposes.

• The rate of interest on NABARD refinance to SCBs were 4.5%, subject to revision, if any by

Government of India, if the short term cooperative credit structure in the State together with their

own involvement provide crop loan up to Rs.3 lakhs per borrower/farmer at 7% interest or less.

• Drawals on the sanctioned limit permitted by NABARD to SCBs on the basis of aggregate NODC

(available under all sub–limits) pertaining to the eligible DCCBs which had outstanding borrowings

from SCBs as hitherto. The banks however required to monitor NODC sub-limit wise but in case of

shortfall in NODC in any sub-limit, no additional interest charged if overall NODC was available.

The SCBs to submit monthly NODC statement indicating CCB-wise position by 20th of the

succeeding month.

• In case of deficit of NODC, SCB had to make good the deficit of NODC. In case the SCB fails to make

good the deficit within one month from the date of occurrence of such deficit, additional interest

@1% p.a. charged on the deficit of NODC for the duration of deficit i.e. till the date on which the

amount of deficit regularised.

• In the event of default in repayment of principal and/or payment of interest to NABARD, the SCBs

were liable to pay an interest on amount of default @10.25% p.a. for the period for which the

default persisted.

• With a view to avoid diversion of funds, misutilization of interest subvention/crop loan and to

ensure proper end use of funds, Banks have been advised to follow the instructions contained in

NABARD Circular No. 175 / DOR-47 / 2015 dated 20August 2015 which should be complied with.

In this regard, the NABARD decided to inform the SCBs that the refinance allocation to each SCB for

financing ST-SAO for the financial year 2018-19 were communicated to SCBs separately by the

NABARD Regional Office (RO). Therefore, the NABARD requested all SCBs to submit their

NAFSCOB

16


applications for sanction of consolidated credit limit on behalf of all the eligible DCCBs along with,

the first drawal, in the prescribed proforma to respective NABARD Regional Office (RO). Also, the

NABARD requested all SCBs to furnish the undertaking as per Annexure II of the NABARD Circular

No.173 / DOR -52 / 2018 dated 06 July, 2018.

Furthermore, the NABARD advised all SCBs to communicate to the affiliated DCCBs to ensure

implementation of KCC scheme by issuance of Rupay Card to the borrowing members.

The salient features of the scheme and important terms and conditions of providing refinance are as under:

All SCBs which were eligible to avail refinance facilities from NABARD eligible for refinance under

this line of credit, subject to their satisfying the eligibility criteria for refinance as may be

stipulated by NABARD from time to time.

The eligibility criteria was applicable as specified in NABNARD policy guidelines on refinance

enumerated in NABARD’s Circular No. 72 / DOR –22 / 20l8 dated 11April 20l8.

• Term loan extended to all eligible investment activities under agriculture. The list of eligible

activities which could considered for refinance are as under:

• Minor Irrigation, Land Development, Farm Mechanisation, Dairy, Animal Husbandry, Fisheries,

Plantation and Horticulture, Forestry, Agri Clinics and Agri Business Centres, Storage/Market yard

etc.

• The list indicated is illustrative and not exclusive. Activities not mentioned here may also be

covered if they lead to capital formation in agriculture. However, short term loans, loans for non-

farm sector activities, rural housing, service sector activities etc. will not be eligible for refinance

under LTRCF. Loans to Self Help Groups are also excluded as they are covered under refinance

scheme for NRLM /Interest Subvention Scheme.

The extent of refinance for the States in North Eastern Region (Assam,Arunachal Pradesh, Manipur,

Meghalaya, Mizoram, Nagaland, Tripura and Sikkim), Hilly Region (Jammu & Kashmir, Himachal

Pradesh, Uttarakhand), Eastern Region (West Bengal, Odisha, Bihar, Jharkhand and Andaman &

Nicobar Islands), Lakshadweep and Chhattisgarh were l00% of eligible bank loans for all purposes.

7.9. Long-term refinance for investment credit for agriculture under Long Term Rural Credit Fund 2018-19

(LTRFC):

i. Eligible institutions:

ii. Eligibility criteria:

iii. Activities covered:

iv. Extent of refinance:

17

NAFSCOB

For other regions the extent of refinance were:

(a) 100% for all thrust areas (as indicated in NABARD’s refinance policy)

(b) 95% for all other diversified purposes.

Automatic Refinance Facility was extended without any upper ceiling of refinance quantum, bank

loan or Total Financial Outlay for all projects under agriculture sector. In case, any bank intends to

avail refinance under pre-sanction procedure, they may submit projects to NABARD.

The rate of interest on loans to ultimate borrowers was as per RBI guidelines. Banks may

however extend loans to farmers at a concessional rate of interest as compared to their

normal lending for agricultural activities.

The interest rate on refinance from NABARD was 4.70% p.a. (with half-yearly rests),

subject to revision from NABARD from time to time. Banks may pass on the benefit to the

ultimate borrower.

In the event of default, penal interest rate at 2% over and above the interest rate at which

refinance was disbursed, were charged on the defaulted amount and for the period of

default.

The repayment period for refinance was 5 years to be repaid on half-yearly basis on 31 January and

31 July every year. Interest payment was on half-yearly basis on 0l February and 0l August every

year.

Refinance extended under the LTRC Fund had to be accounted for separately and necessary records

should be maintained for the purpose. The banks had to provide all information like average

amount of loan, interest rate charged, processing fee charged etc. as and when\ called for by

NABARD.

v. Automatic Refinance Facility:

vi. Interest rate:

a. Loans to borrowers:

b. Refinance from NABARD:

c. Penal interest:

vii. Repayment period:

viii. Maintenance of records:

18


7.10. Updated Master Circular on Self Help Group – Bank Linkage Programme issued by NABARD:

7.11. Modification in the Master Circular on Detection and Impounding of Counterfeit Notes – 2018 issued by

NABARD:

Reporting Data to RBI/NCRB/FIU-IND

7.12. Extension of the period of Promotional Scheme for support under Financial Inclusion Fund (FIF) for

deployment of 20 lakh BHIMAadhaar Pay Devices:

NABARD has, from time to time, issued a number of guidelines/instructions to RRBs and Cooperative Banks

on Self Help Group-Bank Linkage Programme (SHG-BLP). In order to enable banks to have instructions at

one place, NABARD vide its Master Circular No. dated 23 August 2018 incorporating of the existing

guidelines/instructions on the subject has been communicated.

RBI vide its Circular dated July 2, 2018 communicated the detection and impounding of counterfeit Notes.

Para 10 of the same has been modified to align it with the extant instructions of FIU-IND. The same is

communicated by NABARD vide its Circular dated October 29, 2018. The modified paragraph is given as

below:

“By all bank branches

Data on counterfeit Notes detected by all the branches of the bank shall be reported in the prescribed

format, on a monthly basis. A statement (Annexure VI to the Circular) showing the details of Counterfeit

Notes detected in the bank branches during the month shall be compiled and forwarded to the Issue Office

of Reserve Bank concerned so as to reach them by 7th of the next month. A “nil” report may be sent in case

no counterfeit has been detected during the month.

Under Rule 8(1) of Prevention of Money Laundering (Maintenance of Records) Amendment Rules, 2013,

Principal Officers of bank are also required to report information on cash transactions where forged notes

have been used as genuine, to The Direcotr, FIU-IND, Financial Intelligence Unit of India, 6th Floor, Hotel

Samrata, Chanakyapuri, New Delhi – 110021, by the 15th day of the succeeding month, by uploading the

information on the FINnet Portal. Similarly, data on Fake Indian Currency Note detection is also to be

uploaded on the web-enabled software of National Crime Records Bureau, New Delhi at their website.”

It has been decided to extend the period of implementation of the scheme so as to cover the deployment of

BHIM Aadhaar pay devices till 31 March 2019. This was communicated by NABARD vide its Circular dated 19

July 2018.

(FICN)

19

NAFSCOB

7.13. Continuation ofAgri-Clinic &Agri-Business Centres (ACABC) during the years 2018-19 and 2019-20:

7.14. Support from Financial Inclusion Fund (FIF) for Deployment of PoS / mPoS Devices in Tier 5 & 6 –

Extension to Tier 3 & 4 Centres:

7.15. Guidelines on the NABARD refinance policy for the year 2018-19 for relief measures to farmers

affected by natural calamities – Conversion of ST (SAO) loans into medium term loans:

NABARD received approval of the Govt. of India (vide letter No.F.No.1(2)/2018-EM, dated 3 April 20018) for

implementation of the scheme during the years 2018-19 and 2019-20. The same is communicated by

NABARD vide its Circular dated 17 July 2018.

In order to increase the digital payment acceptance infrastructure in rural areas, it has been decided to

extend the scheme to Tier 3 & 4 centres for the sanctions already accorded. Hitherto, only villages with

population less than 10,000 were considered. With this revision, villages with population of less than

50,000 are eligible for support. The same is communicated by NABARD vide its Circular dated 27 September

2018.

The policy was reviewed by the NABARD and decided to continue broadly with the same policy for the

financial year 2018-19.

Main features of the scheme are as follows:

i. The eligibility of Cooperative Banks is linked to compliance with the CRAR norms. The refinance for

conversion of ST (SAO) loans into medium term loans be available to all licensed SCBs / CCBs

fulfilling the CRAR conditions mentioned below:

a. Only such SCBs having CRAR of 9% and above, on behalf of DCCBs with CRAR of 9% and above

(as on 31.03.2017),

b. In case of SCBs with CRAR more than 9%, but individual DCCBs with CRAR less than 9% as on

31.03.2017, no refinance available on behalf of such DCCBs.

Further, the rate of interest on refinance for MT conversion / rephasement /

reschedulement of loans for F. Y. 2018-19 will be as decided by NABARD from time to time.

The present rate of interest is 300 basis points less than that charged by Banks to ultimate

beneficiaries subject to a minimum interest rate of 8.10% p.a. and subject to the Banks

following guidelines prescribed by RBI, in this regard.

Other terms and conditions remain unchanged.

20


7.16. NABARD communication with regard to ‘ENSURE – System Generated PerformanceAssessment Report:

7.17. NRLM Interest Subvention Scheme – Refinance Policy for Schematic Lending – 2018-19 issued by

NABARD:

7.18. Consultations by NABARD:

a) National Review Meet of Cooperative Banks for the year 2018-19 on 11 July 2018 at Mumbai to

review the performance of Cooperative Banks:

b) National Seminar on the eve of NABARD’s 37th Foundation Day on “Collection and Market

Linkages-Farmers’Producers Organisations (FPOs)” on 12 July 2018 at Mumbai:

As PAR is based on OSS returns, omissions/errors in reporting data in OSS returns would affect the

observations/conclusions made in Performance Assessment Report (PAR) making some of its

comments/Observations inappropriate. It would, therefore, be advisable for banks to make use of PAR

after verifying the correctness of the data furnished in OSS returns. Accordingly, NABARD vide its Circular

datedAugust 06, 2018 advised all SCBs and DCCBs to send one more report called ‘Data Verification Report’

(DVR) along with PAR.

NABARD vide its Circular dated 07 January 2019 communicated scheme of concessional refinance to SCBs

against the loans extended by them to all women SHGs in 250 districts identified under NRLM

operationalized by the Ministry of Rural Development, Gol. The rate of interest on refinance under the

scheme was 4.50% p. a. subject to the condition that the SCB lend to all women SHGs up to Rs.3.00 lakh per

SHG, at an interest rate of 7.00% p. a. in identified 250 districts.

NABARD convened a ‘National Review Meet of Cooperative Banks for the year 2018-19 on 11 July

2018 at Mumbai to review the performance of Cooperative Banks. The Chairman and the Managing

Director of NAFSCOB were invited to participate in the said meeting. The Managing Director,

NAFSCOB attended the review meet.

NABARD organised the Seminar to commemorate 37th Foundation day of NABARD years of Self Help

Group (SHG) movement on “Collection and Market Linkages-Farmers’ Producers Organisations

(FPOs)” on 12 July 2018 at Mumbai. Shri B. Subrahmanyam, Managing Director, NAFSCOB

participated in the seminar organised by NABARD on 12th July 2018. National Seminar deliberated

on important issues viz., easy accessibility of adequate credit to marginal and small farmers and

also the ways to ensure increase their income levels through the help of efficient market linkages.

21

NAFSCOB

NABARD convened a ‘North-Eastern Region Cooperative Banks Review meet by NABARD on 24

September 2018 at Tripura to discuss various issues relating to Cooperative Banks in North-Eastern

Region including Sikkim andAndaman & Nicobar Island. The Chairman and the Managing Director of

NAFSCOB were invited to participate in the said meeting. The Chairman, NAFSCOB and Managing

Director, NAFSCOB attended the review meet.

:

NABARD convened a ‘National Review Meet of Cooperative Banks on 13 March 2019 at Mumbai to

review the performance of Cooperative Banks. The Chairman and the Managing Director of

NAFSCOB were invited to participate in the said meeting. The Chairman, NAFSCOB and Managing

Director, NAFSCOB attended the review meet.

In pursuance with the recommendations of the ‘Parliamentary Committee on Agriculture’, ‘CDF’ was

constituted by NABARD in the year 1992-93 under the provisions of Section 45 of NABARD Act, 1981 with a

view to strengthening and providing assistance to Co-operative Credit Institutions for improving their

infrastructural facilities.

The cumulative assistance disbursed to cooperative institutions i.e. SCBs & Agriculture and Rural

Development Banks (ARDBs) from the Fund for various purposes upto 31 March 2019 amounted to

Rs.193crore.

c) Review Meet of Cooperative Banks in North-Eastern Region on 24-09-2018 at Tripura:

d) National Review Meet of Cooperative Banks on 13 March 2019 at Mumbai to review the

performance of Cooperative Banks

7.19. ‘Cooperative Development Fund’ (CDF):

The purpose-wise actual sanction and disbursal of assistance under CDF to State Cooperative Banks as

on 31st March, 2019 is as follows:

Sr.No.

Purpose Sanctioned Disbursed Disbursal to Sanction (%)

123

456789

SOFTCOBPACS Development CellMeeting/Seminar/Conference/Workshop

Infrastructure Development of PACSODIExposure visitC-PECTraining Coop. Banks/Bird etc.Others

1174.8049.4445.31

162.8442.04

100.39188.79270.13366.26

1064.6134.6327.95

143.9926.3172.04

119.68167.00

9.46

90.6270.0461.69

88.4262.5871.7663.3961.822.58

Total 2400.00 1665.67 69.40

( in lakhs)`

22


The balance of sanctioned funds under CDF are mainly for the ARDBs for the above purposes as well as

reimbursement of costs to Agricultural Cooperative Staff Training Institutes (ACSTIs) & JLTCs, trained

programme conducted by national level institutions such as National Centre for Management Development

in Agriculture and Rural Development Banking (NCMDARDB), Vaikunth Mehta National Institute of

Cooperative Management (VAMNICOM) & Administrative Staff College of India (ASCI), conduct of

studies/seminars, best performance awards, cooperative awareness programme, organisational

development initiatives, KCC, co-operators meet and seminars etc.

The purpose-wise disbursement of CDF assistance to the cooperative credit institutions etc. as on March 31,

2019 is presented as

KCC scheme was formulated by NABARD at the instance of Government of India in August 1998. As per the

data made available by NABARD, as at the end of March 2019, the Cooperative Banks and the Regional Rural

Banks collectively issued a total of 4.27 crores KCCs since inception of the scheme against which a sum of

254507.81 Crores loans was sanctioned till date. During the year 2018-19 the total number KCC issued by

the Cooperative Banks and Regional Rural Banks was 29.88 lakhs and the amount sanctioned during the said

period was 24943.67 Crore. In the total KCCs issued since inception Cooperative Banks issued 3.04 crores

KCCs as against 1.22 crores KCCs by RRBs.

During the period under review, the Cooperative Banks issued a total number of 14.52 lakhs KCCs and the

RRBs issued 15.36 lakhs KCCs. Similarly the amount sanctioned against these KCCs was 7973.30 Crore by

Cooperative Banks and 16970.37 Crore by RRBs against the total sanction of 24943.67 crores.

The progress of KCC Scheme & theAgency-wise issue of KCCs since inception, as at the end of March 2019, is

given in the respectively.

The short term cooperative credit institutions in the country have aggregate ‘Working Capital’ of

9,42,559.04 Crore which is a measure of important contribution of cooperative Credit sector to the

national economy. It is praise-worthy that in tune with the overall growth of the cooperative movement the

short term cooperative credit structure has made significant progress. The details of the progress made by

the State Cooperative Banks (SCBs), District Central Cooperative Banks (DCCBs) and Primary Agricultural

Credit Societies (PACS) are discussed in the following paragraphs.

Appendix 5.

7.20. Kisan Credit Card (KCC) Scheme:

Appendix 6 andAppendix 7,

8. Progress and Performance of Short Term Cooperative Credit Institutions:

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NAFSCOB

8.1 Performance of State Cooperative Banks – (2017-18 vis-à-vis 2016-17):

Appendix – 8 .

8.1.1. At present there are 33 SCBs in the country and 32 SCBs have enrolled themselves as members of NAFSCOB.

The details of performance of SCBs during 2017-18 vis-à-vis 2016-17 is given in

8.1.2. The ‘Membership’ of SCBs which was 8,43,212 in 2016-17 decreased during 2017-18 to 6,76,006. This was

mainly due to the decrease in the membership of Individuals to the tune of 1,67,206. Membership of

Cooperative Societies increased from 20,375 in 2016-17 to 24,742 during 2017-18.

8.1.3. The ‘Paid up Capital’ increased by 425.29 Crore in 2017-18 which worked out to 8.76 per cent. The ‘Share

Capital from Government’ in the total ‘Paid up Capital’ increased from 824.31 Crore to 898.64 Crore

during the year 2017-18.

8.1.4. The ‘Reserves’ of SCBs aggregated to 13,303.43 Crore during 2017-18 which was 12,459.87 Crore in

2016-17 with increase of 843.56 Crore , shown an increase of 6.77 per cent.

8.1.5. As in the past the main component of ‘Resources’ of the SCBs is the ‘Deposits’. The actual level of deposits

at the close of 2017-18 was 1,20,604.24 Crore when compared to 1,21,688.52 Crore in 2016-17, i.e. net

decrease of 1,084.28 Crore (0.89%).

8.1.6. Overall ‘Borrowings’ which was decreased from 75,433.01 Crore during 2016-17 to 71,224.06 Crore

during 2017-18 with decrease of 5.58 per cent.

8.1.7. The aggregate ‘Working Capital’ of all the SCBs decreased from 2,20,858.17 Crore during 2016-17 to

2,15,786.26 Crore during 2017-18, registering an absolute decrease of 5,071.91 Crore. The reduction in

terms of percentage was 2.30 per cent.

8.1.8. There has been increase in the ‘Loans and Advances’ issued by SCBs from 1,22,545.09 Crore in 2016-17 to

1,27,956.11 Crore in 2017-18 i.e. increase of 5,411.02 Crore in absolute terms, shown an increase of

4.42 per cent.

8.1.9. The ‘Total Loans Outstanding’ amounted to 1,27,107.14 Crore during the year 2017-18 as against of

1,22,841.82 Crore during 2016-17 with an increase of 3.47 per cent.

8.1.10. However, there was decrease in ‘Loan Recovery’ during the year 2017-18. The total loans recovered was to

the tune of 72,532.41 Crore during the year 2017-18 as against 74,128.71 Crore during 2016-17 i.e.

decrease of 1,596.30 Crore with indicating a decrease of 2.15%.

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8.1.11. The percentage of ‘Recovery to Demand’was 94.55 per cent during 2017-18.

8.1.12. The percentage of ‘Overdues to Demand’was 5.45 during 2017-18.

8.2.1. There were 363 DCCBs as at the end of 2017-18. The performance of DCCBs relating to various operational

parameters is given in

8.2.2. The ‘Membership’ of DCCBs decreased from 32,33,864 in 2016-17 to 30,42,226 in 2017-18 i.e. an decrease

of 5.93 per cent, it is mainly due to decrease in the individuals membership. The membership of individuals

in the DCCBs has decreased from 27,55,490 to 25,69,551 during the same period.

8.2.3. The ‘Paid up Share Capital’ of DCCBs increased from 14,695.94 Crore in 2016-17 to 15,907.23 Crore

during 2017-18 with registering an increase of 1,211.29 Crore and in percentage it was 8.24. The

Government contribution to the ‘Paid up Share Capital’ which was 2,072.61 Crore during 2016-17

increased to 2,190.71 Crore with registering an increase of 5.70%.

8.2.4. ‘Reserves’ of DCCBs which aggregated to 33,444.95 Crore in 2016-17 increased to 35,321.54 Crore

during 2017-18 or increased by 5.61 per cent.

8.2.5. The DCCBs in the country mobilised a ‘Deposit’ of 3,40,737.87 Crore in 2017-18 in which ‘Individual

Deposits’ accounted for 55.52 per cent of the ‘Total Deposits’. The ‘Deposits from Cooperatives’ and

‘Others’ increased from 1,33,938.42 Crore in 2016-17 to 1,51,572.42, registering a net increase of

17,634.00 Crore which works out to 13.17 per cent.

8.2.6. The ‘Borrowings of DCCBs’ increased from 84,820.33 Crore in 2016-17 to 85,917.98 Crore, registering a

net increase of 1,097.65 Crore i.e. an increase of 1.29 per cent.

8.2.7. The ‘Working Capital’ of DCCBs increased from 4,55,213.45 Crore in 2016-17 to 4,83,210.27 Crore in

2017-18 indicating an absolute increase of 27,996.82 Crore i.e. an increase of 6.15 per cent.

8.2.8. The ‘Loans and Advances’ issued by DCCBs have decreased from 2,53,282.40 Crore in 2016-17 to

2,42,058.51 Crore in 2017-18. The decrease was to the tune of 11,223.89 Crore i.e. a decrease of 4.43

per cent. The ‘Loans Outstanding’ have gone up by 6.44 per cent and amounted to 2,60,197.89 Crore as at

the end of March, 2017-18.

8.2. Performance of District Central Cooperative Banks - (2017-18 vis-à-vis 2016-17):

Appendix - 09 .

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8.2.9. There was an improvement in ‘Loan Recovery’. The total loans recovered amounted to 1,71,015.26 Crore

during the year 2017-18 as against 1,66,614.79 Crore during 2016-17 i.e. increase of 4,400.47 Crore

which shown an increase of 2.64%.

8.2.10. A ‘Demand’ for a sum of 2,27,915.50 Crore in 2017-18 as against 2,17,327.83 Crore in 2016-17, has been

observed.

8.2.11. The percentage of ‘Overdues to Demand’ increased from 23.33 percent in the year 2016-17 to 24.97

percent in 2017-18.

8.3.1. As in the case of SCBs and DCCBs the overall performance of PACS during the year 2017-18 was also

satisfactory. The details of the performance of the PACS during the year 2017-18 vis-à-vis 2016-17 is given

in

8.3.2. As far as the number of total PACS is concerned, it is observed that the number marginally decreased from

95,595 in 2016-17 to 95,238 in 2017-18. The membership of societies decreased from 1,31,235 during

2016-17 to 1,30,547 in 2017-18 i.e. a decrease of 0.52 per cent. However, it was observed that there was

decrease in the membership of ‘Scheduled Caste’ and increase in the membership of ‘Scheduled Tribes’

during the year 2017-18. The percentage of ‘Borrowing Members’ to ‘Total Membership decreased to 38.83

per cent during 2017-18 from 39.64 per cent during 2016-17 i.e. a decrease of 0.81 per cent.

8.3.3. The ‘Paid up Share Capital’ of PACS increased from 14,121.55 Crore during 2016-17 to 14,142.00

Crore in 2017-18 which is an absolute increase of 20.45 Crore or 0.14 per cent. During the same period

the ‘Government's contribution to the Paid up Capital’ of PACS decreased by 2.63 per cent. The

Government share in total ‘Paid up Capital’ stood at 807.39 Crore and formed 5.71 per cent of the total

share capital during 2017-18.

8.3.4. The total ‘Reserves’ of PACS stood at 16,799.71 Crore during 2017-18. This shown a decrease of 10.93

per cent over the previous year.

8.3.5. Efforts of ‘Deposit’ mobilisation by PACS has been encouraging during the year. The deposits stood at

119,632.33 Crore during 2017-18 as against 115,884.20 Crore during 2016-17, an increase of 3.23 per

cent.

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8.3. Performance of PrimaryAgricultural Credit Societies - (2017-18 vis-à-vis 2016-17 ):

Appendix-10 .

NAFSCOB

26


8.3.6. The ‘Borrowings’ of PACS increased from 124,830.95 Crore during 2016-17 to 128,333.22 in 2017-18

i.e. an increase of 3,502.27 Crore, with registering an increase of 2.81 per cent.

8.3.7. The ‘Working Capital’ of PACS increased from 2,39,966.99 Crore during 2016-17 to 2,43,562.51 Crore

in 2017-18 i.e. an absolute increase of 3,595.52 Crore which worked out to be 1.50 per cent.

8.3.8. There was an increase in ‘Loans and Advances’ issued by PACS during 2017-18 over 2016-17 . The total

‘Loans and Advances’ issued by PACS increased from 2,00,678.39 Crore during 2016-17 to 2,07,321.78

Crore during 2017-18 registering 3.31 per cent increase.

8.3.9. ‘Loans Outstanding’ which was 1,70,459.25 Crore during 2016-17 decreased to 1,69,629.68 Crore in

2017-18, indicating a decrease of 0.49 per cent.

9.3.10. ‘Loans and Advances’ recovered by PACS was 1,47,170.85 Crore during 2016-17 and the same during the

year 2017-18 was 1,48,834.50, an absolute increase of 1,663.65 Crore indicating an increase of 1.13

per cent.

8.3.11. The ‘Overdues’ totalled to 47,915.44 Crore in 2017-18 as against 53,292.98 Crore during 2016-17, it

indicated the decrease of 10.09 per cent.

8.3.12 The percentage of ‘Overdues to Demand’ decreased from 26.58 per cent during 2016-17 to 24.35 per cent

during 2017-18.

The progress and performance of the short term cooperative credit institutions is also presented through

graphs inAppendices.

As you are aware, NAFSCOB was established on May 19, 1964 with a view to facilitate the operations of

State and Central Cooperative Banks in particular and development of Cooperative Credit & Banking in

general.

1. Provide a common forum to the member banks to examine the problems of cooperative credit

banking and allied matters and evolve suitable strategies to deal with them.

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9. National Federation of State Cooperative Banks:

9.1. Genesis and Objectives:

The specific objectives of NAFSCOB are to:

27

2. Promote and protect the interests of the member banks in all spheres of their activities and to give

expression to the views of the member banks.

3. Co-ordinate and liaison with GoI, RBI, respective State Government, NABARD and other higher

financing institutions for the development of cooperative credit on behalf the member banks.

4. Provide research and consultancy inputs to the member banks in order to facilitate them to

strengthen their own organisations.

5. Organise Conferences / Seminars / Workshops / Programmes / Meetings to share the views of

common interest with a view to contribute for better policy decisions.

NAFSCOB functions with two of its wings viz. (1) Planning, Research and Development (PRD) (2)

Computer Service Division (CSD). NAFSCOB completed 55 years of useful services to its member

banks and the Co-operative Credit Structure.

The membership of NAFSCOB is open to all the SCBs in the Republic of India. At present 32 SCBs are

members of NAFSCOB.

i. National Cooperative Union of India (NCUI), New Delhi

ii. Indian Society of Studies in Cooperation (ISSC), Pune

iii. National Film and FineArts Cooperative Ltd. (NAFFAC), New Delhi

iv. Indian Tourism Cooperative Ltd. (COOPTOUR), New Delhi

v. Cooperative Bank of India (COBI), New Delhi

vi. Indian Bank’sAssociation (IBA), Mumbai –Associate Member

vii. Indian Merchants Chamber (IMC), Mumbai –Associate Member

i. The International CooperativeAlliance (ICA), Brussels, Belgium

ii. International Raiffeisen Union (IRU), Bonn, Germany

iii. Asian and Pacific RuralAgricultural CreditAssociation (APRACA), Bangkok, Thailand.

iv. Centre for International Cooperation and Training in agricultural Banking (CICTAB), Pune,

India

v. Network for the Development of Agricultural Cooperatives (NEDAC) in Asia, Bangkok,

Thailand

9.2. Membership in NAFSCOB:

9.3. Membership of NAFSCOB:

a) NAFSCOB is a member of the following national level organisations:

b) NAFSCOB is a member of the following international organisations:

NAFSCOB

28

The performance of NAFSCOB during the last five decades may be categorised as under:

NAFSCOB – FIVE DECADES

First Decade(1964 – 1974)

Search of Appropriate Direction

Second Decade(1975 – 1984)

Search for Image Building

Third Decade(1985 – 1994)

a) First Period (1985 – 1989)b) Second Period (1989 – 1994)

Divided into two period

ConsolidationPeriod of ‘Change’

Fourth Decade(1995 – 2004)

Period of ‘Aspirations, Ambitions & Expectations’

Fifth Decade(2005 – 2014)

Successful Lobby for Recapitalisation / Lobby againstDestabilisation

Next Decade(2014 – 2023)

Decade commencing from 2014-15, it is hoped, will

witness a trend towards strengthening of the short term

cooperative credit structure in its present form. To

ensure preparedness of STCCS to face challenges emerged

out of Technological developments including digitalization.

b) Initiatives:

9.4.1. Final Report of the NAFSCOB Committee to formulate Human Resource Policy for PACS:

NAFSCOB constituted a Committee to formulate Human Resource Policy for Primary Agricultural Credit

Societies (HR Policy for PACS) with the financial assistance under Cooperative Development Fund (CDF) of

National Bank for Agriculture and Rural Development (NABARD). The Committee submitted its report in

December 2018.

9.4. (a) Performance of NAFSCOB:

NAFSCOB with its limited resources, both financial and manpower, accomplished its tasks

exceedingly well in achieving the spelt out objectives. The number of staff members in the

NAFSCOB was down from 35 in 1985 to 19 in 1995. It was further decreased to 7 at present. While

the General Body is the ultimate authority in all matters relating to NAFSCOB, the affairs of

NAFSCOB are managed by the Board of Directors, composed of the Chairman/President/any

member of member SCB/Administrator/ Special Officer or Chief Executive of the member SCB. The

Executive Committee of the NAFSCOB consisting of Chairman, Six Vice-Chairmen and the Chief

Executive of the NAFSCOB, exercises the powers as laid down in the bye-laws and or as delegated

by the Board.


29

A copy of the final report on HR Policy for PACS has been already forwarded to all stakeholders including

Ministry of Agriculture, GoI, Reserve Bank of India, NABARD, Registrar of Cooperative Societies (RCS) in all

States, National Cooperative Union of India (NCUI), National Cooperative Development Corporation

(NCDC), all SCBs, selected DCCB/ PACS/ Co-operative Societies Employees Unions etc.

Operational guidelines for implementation of “Human Resource Policy for PACS” has been prepared

and forwarded to all stakeholders including NABARD, Chief Secretaries of all State and Union

Territories, Registrar of Cooperative Societies of all States, Regional Offices of NABARD, all

member SCBs, select DCCBs etc.

1. The first copy of the report of the NAFSCOB on “HR Policy for PACS” has been presented to Dr. Harsh

Kumar Bhanwala, Chairman, NABARD on 15-01-2019.

2. Shri Ramesh Chandra Chaubey, Chairman, Bihar SCB & Vice-Chairman, NAFSCOB released the

“Report on HR Policy for PACS” in Patna on 30-01-2019.

3. Shri Parshottam Rupala, Hon’ble Union Minister of State for Agriculture and Farmers Welfare

released the “Report on HR Policy for PACS” on 03-02-2019.

4. Shri K. N. Rajanna, Ex. MLA, President, Karnataka SCB & Vice-Chairman, NAFSCOB released the

“Report on HR Policy for PACS” in Bengaluru on 04-02-2019.

5. Dr. Rajiv Sehjal, Hon’ble Cooperative Minister, Himachal Pradesh released “Report of on HR Policy

for PACS” on 05-02-2019.

6. Shri B.S.Nakai, Chairman, IFFCO released “Report on HR Policy for PACS” on 08-02-2019.

7. The report on HR Policy for PACS prepared by NAFSCOB was released on the occasion of the

Inaugural ceremony of National Seminar on Banks & FIs in NER - Prospects & Challenges, organized

by Indian Institute of Bank Management(IIBM) on March 8-9, 2019. The report was released by Shri

Prakash Gupta, Regional Head, Union Bank (sponsors of the IIBM Seminar) in the august presence of

Professor Debabrata Das of Tezpur University, Key Note Speaker, Dr Meitei, Professor & Director,

Manipur Institute of Management Studies, Manipur University, Dr K Ramesha, Director, IIBM and

several delegates comprising of researchers for various Universities and Management.

a) Operational Guidelines for implementation of HR Policy for PACS:

NAFSCOB

30

9.4.2. Issues Submitted for National Review Meet for Business Development of Cooperative Banks organised

by NABARD at Mumbai on 11 July 2018:

Following issues were submitted to NABARD on the eve of National Review Meet:

Sl.

No. Issues

1 Need to expedite ST SAO refinance Policy of NABARD for 2018-19

2 Need for NABARD intervention to accord Scheduled Status to all eligible State Cooperative Banks

and eligible DCCBs.

3 Need for considering financial assistance from NABARD for computerisation of PACS as well as for

SCBs and DCCBs and to pave way for migration to CBS platform.

4 Specified Bank Notes held by DCCBs: Need to adopt an appropriate approach

5 Need for relaxation in the exposure norms under ‘Credit Monitoring Arrangement’ (CMA).

6 To consider revision in the exposure norms prescribed for SCBs and DCCBs for housing loans for the

purpose of purchase/construction of new houses as well as repairs.

7 Need for inclusion of all Cooperative Banks as Member Lending Institutions (MLI) under ‘Credit

Guarantee Fund Trust for Micro and Small Enterprise (CGTMSE) implemented by SIDBI.

8 Need to do away with the conditionality of Government Guarantee particularly for Non-Scheduled

State Cooperative Banks.

9 Need for NABARD intervention for opening Liquidity Adjustment Facility (LAF) operation window to

Scheduled State Cooperative Banks.

10 Extending facility of spreading of provision of Mark to Market losses and Creation of Investment

Fluctuation Reserve (IFR) – Thanks to NABARD

11 Need for suitable support to Short Term Cooperative Credit Structure (STCCS) to increase their

share in total agricultural credit disbursement.

12 Exclusive Seminar on Recent Trends in Short Term Cooperative Credit Structure and Suggest

Measures for Strengthening for North-Eastern Region

13 National Seminar on H R Policy for SCBs, DCCBs and PACS (State Governments, SCBs and identified

DCCBs)


31

9.4.3. Issues Submitted for National Review Meet of Cooperative Banks organised by NABARD on 13 March

2019 at Mumbai:

9.4.4. Memorandum on issues of priority sent to Hon’ble Union Finance Minister on the eve of Union Budget

for the year 2019-20:

In addition to the issues submitted for national review meet of cooperative banks organised by NABARD on

11 July 2018, the need to issue Guidelines on ‘Human Resource Policy for Primary Agricultural Credit

Societies was submitted in the national review meet of cooperative banks organised by NABARD on 13-03-

2019.

Chairman, NAFSCOB submitted a memorandum to the Union Finance Minister with a request to address the

following issues for possible incorporation in the Union Budget 2019-20:

1. Income Tax Issues – Issues for Consideration

1.1. Need for restoration of Section 80P of Income TaxAct, 1961.

1.2. Section 80C(xxi) of Income Tax Act, 1961 – Inclusion of Deposits with Non-Scheduled

Cooperative Banks to be eligible for Tax Deduction.

1.3. Need for exempting SCBs and DCCBs from the provisions of Section 194A of Income Tax Act,

1961.

2. Need for Review, Revamp and Restructuring of Interest Subvention.

3. Need for relaxation in the exposure norms under ‘Credit MonitoringArrangement’ (CMA)

4. Need and importance of timely approval of Short Term Coop Rural Credit (STCRC) fund allocated by

Government of India for the purpose of enabling NABARD to announce / formulate the annual Policy

for Provision of Short Term (ST) refinance to State Cooperative Banks (SCBs) for financing Seasonal

Agricultural Operations (SAOs) well in advance.

5. Need for extending Recapitalisation assistance to District Central Cooperative Banks (DCCBs) on

the lines of Revival Package recommended to Short Term Cooperative Credit Structure (STCCS) by

the Task Force on Revitalisation of Cooperative Credit Institutions

5.1. Complete the incomplete implementation of recapitalisation package at PACS level.

5.2. Revival/reopening of Revival Package so as to allow the remaining seven State

Governments to opt for the Revival Package:

6. Need for suitable support to STCCS to enhance their share in total agricultural credit disbursement.

NAFSCOB

32

7. Adverse Implications of Demonetisation on DCCBs.

8. SARFAESIAct 2002 – Need forAmendments to facilitate Cooperatives to recover loans.

9. Need for financial assistance to State Cooperative Banks (SCBs) and DCCBs to become

technologically compliant.

Shri Shaktikanta Das, IAS, Governor, RBI invited representatives of Rural Cooperative Banks and Urban

Cooperative Banks for consultation on 27-12-2018 at RBI Central Office Mumbai. The Chairman, NAFSCOB

and Managing Director, NAFSCOB attended the consultation meeting on invitation.

Managing Directors of Karnataka SCB, Maharashtra SCB,

and Tamil Nadu SCB attended the consultation meet. related to

Short Term Cooperative Credit Structure. The following issues related to rural cooperative banks were

submitted to RBI:

1.Need for relaxation in the exposure norms under ‘Credit Monitoring Arrangement’ (CMA); 2.Need and

importance of timely approval of Short Term Coop Rural Credit (STCRC) fund allocated by Government of

India for the purpose of enabling NABARD to announce / formulate the annual Policy for Provision of ST

refinance to State Cooperative Banks (SCBs) for financing SAOs well in advance; 3.Impact of Loan Waivers

Need for extending Recapitalisation assistance to DCCBs on the lines of Revival Package recommended to

STCCS by the Task Force on Revitalisation of Cooperative Credit Institutions; 4.Revival/reopening of Revival

Package so as to allow the remaining seven State Governments to opt for the Revival Package; 5.Need for

Review, Revamp and Restructuring of Interest Subvention; 6.Need to accord Scheduled Status to all eligible

SCBs and DCCBs; 7.Need to retain Regulatory Function with RBI only; 8.Computerisation of PACS; 9.Need for

suitable support to STCCS to increase their share in total agricultural credit disbursement; 10.Adverse

Implications of Demonetisation on DCCBs; 11. Monetary Policy Statement Governor’s Pre-policy

Consultation Meeting with representatives of Urban Cooperative Banks (UCBs), Rural Cooperatives, RRBs

and Micro-finance Institutions: Need to Resume Consultation; 12. HR Policy for PACS-Need to issue

guidelines to State Governments to implement HR Policy; 13. BASEL Norms – Need not be made applicable

to rural cooperative banks; Capital to Risk WeightedAssets Ratio (CRAR) Norms; 14. SARFAESIAct 2002.

NAFSCOB introduced the scheme of Annual Performance Awards for the Best Performing SCBs, DCCBs and

PACS across the country. The Best Performance Awards scheme to member SCBs had been instituted in the

year 1982-83. Subsequently NAFSCOB had introduced ‘Subhash Yadav Award for Best Performing PACS’

9.4.5. Identified issues related to STCCS submitted by NAFSCOB to Governor of RBI during the meeting held

on 27-12-2018 at RBI Central Office Mumbai:

The consultation

meeting was resumed after gap of five (5) years.

NAFSCOB submitted identified issues

9.4.6. NAFSCOBAnnual PerformanceAwards - 2016-17


33

scheme in the year 1998-99. Furthermore, NAFSCOB had introduced ‘Best Performance Awards to DCCBs’

scheme in the year 2008-09. Also, NAFSCOB had instituted ‘Best Performance Awards to Agricultural

Cooperative Staff Training Institutes (ACSTIs)’ from the year 2012-13 onwards which aimed to recognize the

contributions made by them towards imparting inductive training, training towards capacity building

efforts, developing skills of the personnel in the cooperative sector, developing leadership and efforts

towards human resource management and development.

The annual performance awards are intended to promote a meaningful and healthy competition among the

Banks and provide an impetus to their functioning. The Annual Performance Awards to winning SCBs and

DCCBs, Subhash Yadav Award for Best Performing PACS and Best Performance Awards to winning ACSTIs for

the year 2016-17 were presented by Dr. Chandra Pal Singh Yadav, M.P., President, NCUI; supported by Shri

Dileep Sanghani, Chairman, NAFSCOB and Shri R.Amalorpavanathan, Deputy Managing Director, NABARD,

to the following SCBs, DCCBs, PACS andACSTIs after the Board Meeting of NAFSCOB on 20 July, 2018.

I. ANNUALPERFORMANCEAWARDS TO SCBs – 2016-17

OVERALL PERFORMANCE AWARDS - III TIER (2016-17)

AWARDS SCBs

FIRST PRIZE THE TELANGANASTATE CO-OPERATIVEAPEX BANK LTD., HYDERABAD

SECOND PRIZE THEANDHRAPRADESH STATE COOPERATIVE BANK LTD., VIJAYAWADA.

THIRD PRIZE THE MAHARASHTRASTATE COOPERATIVE BANK LTD., MUMBAI.

OVERALL PERFORMANCE AWARDS - II TIER (2016-17)

AWARDS SCBs

FIRST PRIZE THEANDAMAN & NICOBAR STATE CO-OPERATIVE BANK LTD., PORT BLAIR.

OVERALL PERFORMANCE AWARDS - DCCBs (2016-17)

AWARDS DCCBs

FIRST PRIZE THE AHMEDABAD DISTRICT COOPERATIVE BANK LTD., AHMEDABAD, GUJARAT.

SECOND PRIZE THE KRISHNA DISTRICT COOPERATIVE CENTRAL BANK LTD., MACHILIPATNAM,

ANDHRA PRADESH

THIRD PRIZE THE KARIMNAGAR DISTRICT COOPERATIVE CENTRAL BANK LTD., KARIMNAGAR,

TELANGANA.

II. ANNUAL PERFORMANCE AWARDS TO DCCBs – 2016-17

NAFSCOB

34

III. SUBHASH YADAV AWARDS FOR BEST PERFORMING PACS– 2016-17

SUBHASH YADAV AWARD- PACS (2016-17)

FIRST PRIZE VALAVOOR SCB LTD. No.K.91, KOTTAYAM DISTRICT, KERALA

SECOND PRIZE PACS TADLA RAMPOOR, NIJAMABAD DISTRICT, TELANGANA

THIRD PRIZE AA520 VEERAPPAMPALAYAM PRIMARY AGRICULTURAL CREDIT SOCIETY,

ERODE DISTRICT, TAMIL NADU

BEST PERFORMANCE AWARDS - ACSTIs (2016-17)

FIRST PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE (ACSTI),

HIMACHAL PRADESH.

SECOND PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE (ACSTI), PUNJAB.

THIRD PRIZE THE AGRICULTURAL COOPERATIVE STAFF TRAINING INSTITUTE (ACSTI), TAMIL NADU.

IV. BEST PERFORMANCE AWARDS TO ACSTIs – 2016-17

9.5. Meetings of the Annual General Body, Special General Body, Board of Directors and Executive

Committee of NAFSCOB:

A. Annual General Body:

The Fifty Fifth Annual General Body Meeting of the NAFSCOB was held on 20 July 2018 at Mumbai. The

General Body in their meeting perused, among others, the following:

i. To confirm the Proceedings of the 54th Annual General Meeting of NAFSCOB held on 10 August 2017

at Chennai, Tamil Nadu.

ii. Consider and approve theAuditors’ Report andAuditors’ Statement ofAccounts of NAFSCOB for the

year 2017-2018 and also the Compliance on the Observations made by theAuditors.

iii. Consider and adopt the Fifty FifthAnnual Report of NAFSCOB for the year 2017-2018.

iv. Review the work of NAFSCOB and to formulate the programme of activities for the year 2018-2019 /

long-term perspective plan and the annual operational plan.

v. Consider and approve theAnnual Budget of Income and Expenditure for the year 2018-2019.

vi. Appoint Auditors for the Statutory Audit of Accounts of NAFSCOB for the year 2018-2019 and fix

their remuneration.


35

vii. Consider the proposal to write off of old dues payable by member banks to NAFSCOB towards

Annual Subscription and other dues underAIMAS.

viii. Peruse the list of the employees who are relatives of members of the Board or of the Chief

Executive.

ix. Conduct election for the vacant position of Directors on the Board of NAFSCOB.

The Board of Directors of NAFSCOB held their meetings four times during the year from April 01, 2018 to

March 31, 2019, as indicated below:

B. Board of Directors:

Date Venue

? April 27, 2018 Bhubaneswar, Odisha

? July 20, 2018 Mumbai, Maharashtra

? December 11, 2018 Mumbai, Maharashtra

? March 01, 2019 Ahmedabad, Gujarat

The meetings of the Board of Directors of NAFSCOB discussed various important policy and operational issues and

matters pertaining to Cooperatives, Cooperation, Rural Credit, Agriculture, Banking, impact of Demonetization on

DCCBs, HR Policy for SCBs, DCCBs and PACS etc. to review the status of the short term cooperative credit structure,

and to evolve suitable strategies to address the issues emerging out of various policy decisions etc. appropriately.

The Inter-face meetings of the Board of Directors with the non-members of the Board, viz. Chairman and the Chief

Executives of SCBs were also organised to facilitate effective exchange of views/ideas and detailed discussions on

the listed agenda.

Following are some of the important Policy and Operational Issues discussed in the meetings of the Board of

Directors during the year 2018-2019

•

i. First Bi-monthly Monetary Policy Statement, 2018-19 of Reserve Bank of India.

ii. RBI Circular with regard to submission of Financial Information to Information Utilities.

iii. NABARD’s instructions for submission ofALM Returns at quarterly intervals through ENSURE Portal.

iv. NABARD advise to generate ‘Performance Assessment Report’ (PAR) from Ensure Portal on

submission of OSS Returns.

v. NABARD’s Circular with regard to Risk Weights for calculation of CRAR.

27April, 2018, Bhubaneswar, Odisha:

NAFSCOB

36

vi. NABARD Circular on Financial Inclusion Fund: Review of Schemes – Extension of Support Period.

vii. NABARD Circular on Direct Benefit Transfer through Public Financial Management System (PFMS) –

Universal Roll-out of PFMS.

viii. Recommendations of the Jury for Best PerformanceAwards toACSTIs for the year 2016-17.

ix. Status of implementation of the Revised Revival Package of STCCS as recommended by the Task

Force on Revitalisation of Cooperative Credit Institutions.

x. Status and issues related to lending short term credit @7 per cent including the interest subvention

and related matters.

xi. Status of Licence & Scheduled status to State Cooperative Banks and District Central Cooperative

Banks.

xii. Proceedings of the National Seminar on “Report of the Committee set up NABARD forAssessment of

Human Resources of STCCS in the Post CBS Environment” held on 13 March 2018 at Mumbai.

xiii. Proceedings and Recommendations of the National Seminar on “Need and Importance of Adoption

of Information Communication Technology (ICT) and Digitalization in Cooperative Banks” held on 3-

6 September 2017 at Stockholm, Sweden.

i. Know Your Customer (KYC) Directions, 2016 as a part of the Master Direction by Reserve Bank of

India.

i. Second Bi-monthly Monetary Policy Statement, 2018-19 of Reserve Bank of India.

ii. Extension and modification of BHIM (Bharat Interface for Money) referral bonus scheme for

individuals and BHIM Cashback Scheme for Merchants.

iii. Response received from RBI on the issue of Specified Bank Notes held by DCCBs.

iv. NABARD Policy for the year 2018-19 for sanction of term loans to State Governments under Section

27 of the NABARDAct, 1981 for contribution to share capital of cooperative credit institutions.

v. Guidelines on the NABARD refinance policy for the year 2018-19 for relief measures to farmers

affected by natural calamities – Conversion of ST (SAO) loans into medium term loans.

vi. NABARD Policy for the year 2018-19 on Provision ofAdditional Short Term (ST) refinance by NABARD

to State Cooperative Banks for financing SeasonalAgricultural Operations (SAO).

vii. NABARD Policy for the year 2018-19 on Provision of short term refinance by NABARD to State

Cooperative Banks for financing various purposes under Short Term (Others).

viii. Refinance Policy of NABARD for State Cooperative Banks on Schematic Lending for 2018-19.

ix. Continuation of Interest Subvention Scheme for Short Term Crop Loans on interim basis during the

year 2018-19.

• Additional Item:

• July 20, 2018, Mumbai, Maharashtra:


37

x. Status of implementation of the Revised Revival Package of STCCS as recommended by the Task


xi. Status and issues related to lending short term credit @7 per cent including the interest subvention


xii. Status of Licence & Scheduled status to State Cooperative Banks and District Central Cooperative

Banks.

xiii. Government of India Order regarding Constitution of General Body of National Council for

Cooperative Training (NCCT).

xiv. Recommendations of the Jury for Best Performance Awards to State Cooperative Banks, District

Central Cooperative Banks and PrimaryAgricultural Credit Societies for the year 2016-17.

xv. Consider the proposal to organise a Seminar on ‘Recent Trends in Short Term Cooperative Credit

Structure and Suggest Measures for Strengthening” for North-Eastern Region.

xvi. Consider the proposal to organise an exclusive Seminar for the SC/ST Members/Borrowers of the

Rural Cooperative Banking System.

i. Prudential Norms for Classification, Valuation and Operation of Investment Portfolio by Banks –

Spreading of MTM losses and Creation of Investment Fluctuation Reserve (IFR).

ii. FIU-IND letter directing Multi State Co-operative Societies registered under the Multi State Co-

operative Societies Act (MSCSA), 2002 to register as reporting entities under the category under

Section 2 of the PMLA, 2002.

iii. AgriMedia MobileApps developed by the DigitalAgriMedia for doubling the farmers income.

iv. Status of Committee to Formulate Human Resources Policy for PACS setup by NAFSCOB

v. Guidelines/instructions regarding Risk Containment and Disclosure of all Off Balance Sheet

transactions and Cyber Security in State Cooperative Banks and District Central Cooperative Banks

issued by NABARD.

vi. Proposal of Agricultural Cooperative Staff Training Institute (ACSTI), Thiruvananthapuram to

conduct study on “Member Indebtedness in Cooperatives”.

i. Third and Fourth Bi-monthly Monetary Policy Statements, 2018-19 of Reserve Bank of India.

ii. Introduction of Liquidity Adjustment Facility (LAF) and Marginal Standing Facility (MSF) for

Scheduled State Cooperative Banks.

iii. Amendments to Reserve Bank of India (Note Refund) Rules, 2009.

iv. NABARD Policy for the year 2018-19 on Provision of Short Term (ST) refinance by NABARD to State

Cooperative Banks for financing SeasonalAgricultural Operations (SAO).

Additional Items:

• December 11, 2018, Mumbai, Maharashtra:

NAFSCOB

38

v. Operational Guidelines on Long Term Rural Credit Fund 2018-19 (LTRCF) issued by NABARD.

vi. Updated Master Circular on Self Help Group – Bank Linkage Programme issued by NABARD.

vii. Modification in the Master Circular on Detection and Impounding of Counterfeit Notes – 2018 issued

by NABARD.

viii. Extension of the period of Promotional Scheme for support under Financial Inclusion Fund (FIF) for

deployment of 20 lakh BHIMAadhaar Pay Devices.

ix. Continuation ofAgri-Clinic &Agri-Business Centres (ACABC) during the years 2018-19 and 2019-20.

x. Support from Financial Inclusion Fund (FIF) for Deployment of PoS / mPoS Devices in Tier 5 & 6 –

Extension to Tier 3 & 4 Centres.

xi. Administrative Approval for implementation of Centrally Sponsored Scheme National Livestock

Mission – EDEG Component during 2018-19.

xii. NABARD communication with regard to ‘ENSURE – System Generated Performance Assessment

Report’.

xiii. Communication received from Pension Fund Regulatory and Development Authority requesting

NAFSCOB to facilitate registration of the Cooperative Banks and their activation as Atal Pension

Yojana (APY) Service Provider in States to ensure a comprehensive coverage of APY in the State

through the channel.

xiv. Approval of NAFSCOB to Manpower Development and Management Institute (MDMI) to conduct a

Diagnostic Study on Problems and Prospects of Cooperative Societies in the States of Assam and

Nagaland.

xv. Conveying approval of NAFSCOB to Indian Institute of Bank Management, Guwahati to conduct a

study on “An Assessment of the Performance, Problems & Prospects of State Cooperative Apex

Banks in North Eastern Region”.

xvi. Status of implementation of the Revised Revival Package of STCCS as recommended by the Task


xvii. Status and issues related to lending short term credit @7 per cent including the interest subvention


xviii. Status of Licence & Scheduled status to State Cooperative Banks and District Central Cooperative

Banks.

xix. Conduct of National Seminar on Human Resource Policy for PACS :AReport of the Committee set up

by NAFSCOB on 11 December 2018 at Mumbai.

I. Fifth Bi-monthly Monetary Policy Statements, 2018-19 of Reserve Bank of India.

ii. Proceedings & Action Points emerging out of the National Review Meetings of CEOs of State

Cooperative Banks in North Eastern Region (including Sikkim and Andaman & Nicobar) held on 24

September 2018 atAgartala.



39

iii. Membership of Network for the Development of Agricultural Cooperatives in Asia and the Pacific

(NEDAC), Bangkok by the State Cooperative Banks.

i. GOI Notification regarding TDS Reduction under Section 194Aof the Income-TaxAct, 1961 in case of

senior Citizens.

ii. Multi-State Co-operative Societies (Amendment) Bill, 2018 of GoI.

iii. Highlights of Interim Union Budget for the year 2019-20 and consider its implications.

iv. Reserve Bank of India annual publication on Report on Trend and Progress of Banking in India – 2017-

18.

v. Reserve Bank of India Circular on Restructuring ofAdvances of Micro, Small and Medium Enterprises

(MSME) Sector

vi. Reserve Bank of India Guidelines on Tokenisation for debit/credit/prepaid card transactions.

vii. Identified issues related to STCCS submitted by NAFSCOB to Governor of RBI during the meeting

held on 27-12-2018 at RBI Central Office Mumbai.

viii. Guidelines on Relief Measures by Banks inAreas affected by Natural Calamities issued by NABARD.

ix. NRLM Interest Subvention Scheme – Refinance Policy for Schematic Lending – 2018-19 issued by

NABARD.

x. Revised guidelines of GoI onAgriclinic andAgribusiness Centres Scheme issued by NABARD.

xi. Memorandum submitted by NAFSCOB to Union Minister for Finance on the eve of Annual Union

Budget for the Year 2019-20.

xii. Highlights of the task accomplished by NAFSCOB during 2018.

xiii. Proceedings of National Seminar on Human Resource Policy for PACS: A Report of the Committee

Setup by NAFSCOB organised by NAFSCOB on 11 December 2018 at Mumbai.

xiv. Final Report of the NAFSCOB Committee to formulate Human Resource Policy for PACS.

xv. Recommendations of the Jury for Best Performance Awards to State Cooperative Banks, District

Central Cooperative Banks and PrimaryAgricultural Credit Societies for the year 2017-18.

xvi. Recommendations of the Jury for Best PerformanceAwards toACSTIs for the year 2017-18.

xvii. Implementation of the Revised Revival Package of STCCS as recommended by the Task Force on

Revitalisation of Cooperative Credit Institutions.

xviii. Status and issues related to lending short term credit @7 per cent including the interest subvention


xix. Status of Licence & Scheduled status to State Cooperative Banks and District Central Cooperative

Banks.

• March 01, 2019,Ahmedabad, Gujarat:

NAFSCOB

40

i. Sixth Bi-monthly Monetary Policy Statements, 2018-19 of Reserve Bank of India.


C. Executive Committee:

The Executive Committee of NAFSCOB held its meetings six times during the year 2018-19 as

listed below:

Date Venue

? April 27, 2018 Bhubaneswar, Odisha

? June 25, 2018 New Delhi

? July 20, 2018 Mumbai, Maharashtra

? September 24, 2018 Agartala, Tripura

? December 11, 2018 Mumbai, Maharashtra

? March 01, 2019 Ahmedabad, Gujarat

9.6. Office Bearers of NAFSCOB as on 31.03.2019 are as follows:

Chairman Organisation

Shri. Dileep SanghaniEx. M.P./Ex. Minister, Gujarat

DirectorThe Gujarat State Cooperative Bank Ltd.,

AhmedabadVice-Chairmen

DirectorThe Assam Cooperative Apex Bank Ltd.,Guwahati

Eastern Zone) Since 27-07-2012 – 08-06-2015Shri Gautam Bora, Ex.MLA(North-08-06-2015 onwards

Shri Ramesh Chandra Chaubey(Eastern Zone)Since 20-07-2018

ChairmanBihar State Cooperative Bank Ltd.Patna

Shri Ashok Bajaj(Central Zone)Till 12-12-2018

ChairmanThe Chhattisgarh Rajya Sahakari Bank MaryaditRaipur

Shri Vidyadhar V Anaskar(Western Zone)Since 01-03-2019

AdministratorMaharashtra State Cooperative Bank Ltd.Mumbai

Shri K. N. Rajanna, MLAEx.(Southern Zone) Since 18-12-2015

President,The Karnataka State Cooperative Apex Bank Ltd.Bengaluru

Shri Khushi Ram Balnatah(Northern Zone)Since 20-07-2018

ChairmanHimachal Pradesh State Cooperative Bank Ltd.Shimla

Shri B. Subrahmanyam Managing DirectorNAFSCOB, Navi Mumbai


41

9.7. Grant-in-aid under Central Sector Scheme ofAssistance of Govt. of India:

Appendix – 11.

9.8. Committees/Working Groups:

9.8.1 NAFSCOB Jury of Best PerformanceAwards toAgricultural Cooperative Staff Training Institutes:

Government of India through the Central Sector Scheme of Assistance assists national level cooperative

organisations for identified schemes and programmes. Under the said scheme NAFSCOB has been receiving

grant-in-aid assistance through the Department of Agriculture and Cooperation, Ministry of Agriculture,

Government of India since 1975 for undertaking proposed specific activities in the Planning, Research and

Development Cell with exception to the years 2003-04, 2004-05, 2010-11 and 2013-14 during which

NAFSCOB did not receive the Grant-in-aid under the said scheme of assistance of Govt. of India. During

2017-18, Govt of India released grant in aid assistance to the tune of 40,00,000/-. The details of grant-in-

aid from the Government of India from the year 1974-75 to 2018-19 are given in

NAFSCOB instituted a scheme of ‘Best Performance Awards’ to ACSTIs from 2012-13. The awards for the

years 2012-13, 2013-14, 2014-15, 2015-16 and 2016-17 were already presented to winning ACSTIs. Further,

decided to continue the scheme of ‘Best Performance Awards’ to ACSTIs for the year 2017-18. It was also

resolved to approve the proposal to institute an independent Jury with the following members to

appreciate the efforts made byACSTIs and thereby recommend two or three appropriate Best Performance

Awards:

i. Shri B. Subrahmanyam : Chairman

Managing Director, NAFSCOB

ii. Director General, NCCT : Member

iii. Director, Bankers Institute of Rural : Member

Development (BIRD)

iv. Chief General Manager, IDD, NABARD : Member

v. Dr. Nethi Muralidhar : Member

Managing Director, Telangana SCB

vi. Dr. S. K. Batish : Member

Managing Director, Punjab SCB

vii. Dr.Ajit R Deshmukh : Member

Managing Director, Maharshtra SCB

`

NAFSCOB

42

9.9. Managing Director and Officers of NAFSCOB:

Chief Executive/Managing Director – Shri. Bhima Subrahmanyam

Appendix – 12

9.10. Memorandum/Representation on Important Issues Pertaining to Cooperative Credit and Banking

Institutions:

9.11. Pre-Budget Consultations – 2019-20:

9.12. Implementation of the Government Policy regarding usage of Hindi in the office of NAFSCOB:

The details of Officers of NAFSCOB are given in the

Pursuant to the decisions taken by the Board of Directors, Executive Committee, and other internal

Committees and Working Groups, NAFSCOB carried out number of activities/ programmes during the year.

As in the past, NAFSCOB represented to the concerned authorities at the highest level on the implications

of various policy initiatives on viability, profitability, professionalization, autonomy, democratic setup,

etc. of the cooperative credit and banking institutions and sought their positive interventions for better

appreciation of the issues. Following is the brief account of the same:

During the year 2019-20, NAFSCOB has made representation on issues of importance to the Union Finance

Minister on the eve of Pre-Budget discussion including restoration of exemption allowed under Section 80P

of Income Tax Act, 1961 to SCBs and DCCBs and other issues concerning taxation affecting the SCBs and

DCCBs, Impact of Demonetization on DCCBs, continuation of the Revival Package of STCCS as recommended

by the Task Force on Revitalisation of Cooperative Credit Institutions, suitable support to STCCS to increase

their share in total agricultural credit disbursement, financial assistance to SCBs and DCCBs to become

technologically compliant, SARFAESI Act 2002 – Need for Amendments to facilitate Cooperatives to recover

loans, issues concerning Interest Subvention Scheme, etc.

As per the directives of Department ofAgriculture and Cooperation, Ministry ofAgriculture, Government of

India, on the implementation of the policy regarding usage of Hindi in the office of NAFSCOB, following

steps have been initiated / taken:

i. ‘Hindi Advisory Committee’ has been constituted in NAFSCOB with effect from April 1992 to

coordinate the activities in connection with the usage of Hindi in office administration. The

committee is entrusted with the responsibility of widening the scope of usage of Hindi in the office

administration, member SCBs and their constituents.


43

ii. The sign board of the NAFSCOB have been depicted both in English and Hindi languages.

iii. The rubber stamp depicting the designation of the functionaries in the NAFSCOB have also been

made in Hindi.

iv. The brochure about the aims, activities and achievements of the NAFSCOB was translated in Hindi

and sent to the member SCBs and Govt. of India.

v. The letters received in Hindi from Govt. of India, member SCBs and DCCBs are replied in Hindi to

the possible extent.

vi. The Annual Report and Audit Report along with the statement ofAccounts of NAFSCOB is translated

in Hindi and copies of the same submitted to Govt. of India.

vii. NAFSCOB has made an appeal in Hindi to contribute articles in Hindi for Publication in ‘NAFSCOB

JOURNAL’.

viii. Advertisements in Hindi are also published in ‘NAFSCOB JOURNAL’. NAFSCOB started a separate

‘Hindi Section’ in ‘NAFSCOB JOURNAL’.

ix. A booklet on performance of Short Term Cooperative Credit Institutions in Hindi has been

published.

x. NAFSCOB celebrated ‘Hindi Day’.

xi. Steps are being initiated to take up more activities for implementation of usage of Hindi in office

correspondence.

NAFSCOB prepared the following Study Reports/Publications and Papers on important aspects/issues

concerning the operations of Short Term Cooperative Credit Structure in 2018-2019 (i.e. April 1, 2018 to

March 31, 2019).

i. ‘Review of disbursement of short term agricultural loans for Rabi and Kharif Crops: 2018-19’.

ii. ‘Basic Data on Performance of State Cooperative Banks: 2017-18’.

iii. ‘Basic Data on Performance of District Central Cooperative Banks: 2017-18’.

iv. ‘Basic Data on Performance of PrimaryAgricultural Credit Societies: 2017-18’.

v. ‘Directory of District Central Cooperative Banks in India – 2018-19.

vi. ‘Directory of State Cooperative Banks in India’ (Quarterly).

vii. Background Material of National Seminar on ‘’Human Resource Policy for PACS: A Report of the

Committee Set up by NAFSCOB’

viii. Report of the Committee to Formulate Human Resource Policy for PACS

ix. Operational Guidelines for Implementation of ‘Human Resource Policy for PACS’.

However,

these sign board have been removed by the J. K. Chambers Cooperative Housing Society, in

which the NAFSCOB is located.

10. Planning, Research and Development (PRD) Cell:

NAFSCOB

44

x. Report on Diagnostic Study on the Problems and Prosperous of Cooperative Societies of Assam and

Nagaland.

xi. Report on ‘AStudy on Members’ Indebtedness in Cooperatives’.

xii. Report on ‘The Study of Short-Term Cooperative Credit Structure in North Eastern Region’.

xiii. Recovery Performance of SCBs in Short-TermAgriculturalAdvances in India-AnAnalysis.

xiv. Agricultural Credit in India-Role of STCCS.

xv. The Cooperative and Commercial Banks and Social Security Deposit Schemes.

xvi. Short-Term Cooperative Credit and Banking in North Eastern Region.

xvii. Kisan Credit Cards – Role of Rural Cooperative Banks:An Overview

xviii. Proceedings of National Seminar on ‘’Human Resource Policy for PACS: A Report of the Committee

Set up by NAFSCOB’.

xix. Issues concerning Rural Cooperative Banks.

xx. Rural Co-operative Banks in India Current status and Scope for strengthening.

NAFSCOB has adopted the practice of making available the soft copy of the following documents also for

the use by the member SCBs and others:

NAFSCOB made available the following documents in the form of Compact Discs:

i. Operational Manual for Cooperative Banks (Revised 2013)

ii. Model Policy on ‘Risk Management in Cooperative Banks’

iii. Model Policy on ‘Information Security Policy of State Cooperative Banks’

iv. Study Report on ‘An ImpactAssessment of Interest Subvention Scheme on GoI in

Short Term Cooperative Credit Structure’

v. Roadmap to Enhance the Share of Cooperatives in Agricultural Credit – A Report of the Internal

Committee by NAFSCOB.

vi. Basic Data on performance of SCBs/DCCBs/PACS

vii. Directory of SCBs/DCCBs

NAFSCOB organised the following Conferences/ Workshops/ Seminars/ Meetings during the year 2018-19:

i. The Committee to Formulate Human Resource Policy for PACS set up by NAFSCOB met Eight times

and held discussions with various stakeholders viz., representatives of SCBs, DCCBs, identified

10.1 Dissemination of information in Soft Copy format

11. Conferences, Seminars, Workshops, Meetings, etc.:


45

PACS, NABARD Regional Office, Registrar of Cooperative Societies (RCS), Agriculture Cooperative

Staff Training Institutes (ACSTIs), Cooperative Training Institutes (CTIs), other cooperative

institutes, representatives of Staff Associations and Unions. The meetings’ schedule of the

Committee to formulate HR Policy for PACS is given as below:

ii. NAFSCOB organised a special function to present the Annual Performance Awards to winning SCBs

and DCCBs, Subhash YadavAward for Best Performing PACS and Best PerformanceAwards to winning

ACSTIs for the year 2016-17 at Mumbai on July 20, 2018.

iii. Meeting of the Jury was held on 01-03-2019 at Ahmedabad to consider and approve the Best

Performance Awards to State Cooperative Banks, District Central Cooperative Banks and Primary

Agricultural Credit Societies for the year 2017-18.

iv. Meeting of the Jury for ‘Best PerformanceAwards toACSTIs for the year 2017-18 was held on 01-03-

2019 atAhmedabad.

v. One day National Seminar on ‘National Seminar on ‘Human Resource Policy for PACS:A report of the

Committee Set up by NAFSCOB’ was organised by NAFSCOB at Mumbai on 11 December, 2018. The

Seminar was aimed at facilitating a wide range of consultations on the recommendations made by

the Committee on HR Policy for PACS and to fine-tune/finalise the report. Dr. Harsh Kumar

Bhanwala, Chairman, NABARD inaugurated the National Seminar. The participants of the seminar

were Chairmen and Chief Executives of State Cooperative Banks, Chairmen and/or Chief

Executives of few identified DCCBs, representatives of PACS & their Unions Representatives of RBI,

NABARD, NCDC Director, VAMNICOM. Principal Secretary, Govt. of Tamil Nadu, Registrar of

Cooperative Societies(RCS)/Addl. RCS/Special Officer/Deputy Registrar and Chairman,VSoft

Technologies Pvt. Ltd. The participation by the delegates was on self-financing basis.

NAFSCOB brings out a quarterly journal entitled ‘NAFSCOB Journal of Rural Cooperative Credit and Banking’

containing special features/articles, case studies, information/data etc. on cooperative credit and

training

12. ‘NAFSCOB Journal of Rural Cooperative Credit and Banking’:

Date Venue

11 April, 2018 Hyderabad, Telangana

27 April, 2018 Bhubaneswar, Odisha

16 to 18 May, 2018 Lucknow, Uttar Pradesh

22 to 24 May, 2018 Shillong, Meghalaya

11 to 13 June, 2018 Ernakulam, Kerala

15 June, 2018 Mumbai, Maharashtra

18 to 20 June, 2018 Ranchi, Jharkhand

21 June, 2018 Hyderabad Telangana

Sl. No.

1

2

3

4

5

6

8

7

NAFSCOB

46


banking sector. NAFSCOB has been making efforts to improve the quality of presentation and contents of

the journal on various issues related to Cooperative Credit Institutions. ‘NAFSCOB Journal of Rural

Cooperative Credit and Banking’ also provides opportunities to the member banks, various other

cooperative organisations and also the cooperative researchers etc. to disseminate information on their

performance, findings, innovative banking practices and innovations in the banking sector, etc. The said

journal contains the features such as (i) Editorial, (ii) Articles, (iii) Cooperation Abroad, (iv) Special

Features, (v) Reports, (vi) Profile of SCBs/DCCBs, (vii) Recommendations of working groups/committees,

etc. (viii) Memorandums, (ix) RBI/NABARD Circulars, (x) Meetings of the Board of Directors and issues

deliberated, (xi) NAFSCOB Events, (xii) Executive Diary, (xiii) News from Member Banks ,(xiv) Statistics,

(xv) Articles/features in Hindi, etc. the need for active participation of SCBs is felt to make the cost of the

Journal viable and most meaningful.

Major operations of NAFSCOB have been computerised. NAFSCOB also has the credit for organising first

ever exposure and orientation programme on computerisation for the benefit of SCBs and DCCBs. NAFSCOB

has its own roadmap for expansion of its activities through computerisation. NAFSCOB implemented the

migration from software of Visual Basic + Microsoft Access + Crystal Reports with regard to publication on

Basic Data of SCBs, DCCBs and PACS to a new software. The proposal to have a hosted, scalable web based

application which will allow SCBs, DCCBs and PACS to directly input data into the system for analysis and

reporting is under active consideration of NAFSCOB. NAFSCOB has identified its IT requirements and

contemplated to computerise the main activities. However, NAFSCOB is still in search of the ‘capabilities’

to manage the activities of computerisations.

Accordingly, a system consisting of multi-user networking environment has been installed and all the

officers in NAFSCOB have been provided with computers to carry out their day-to-day work. NAFSCOB

reviews the existing hardware and the software as well as the requirements of upgrading the computer

system in the office of NAFSCOB and has been taking necessary steps for upgrading the same.

Chairman and Managing Director of NAFSCOB in their respective capacities have been nominated on various

committees. They attended the meetings of these committees during the year under review.

Shri Dileep Sanghani, Chairman, NAFSCOB represents on the General Body/Board of Directors/Governing

Council of the following national/international level organisations:

13. Computerisation in NAFSCOB:

14. Representation and Participation by NAFSCOB:

14.1. Chairman:

47

NAFSCOB

i. National Cooperative Union of India, New Delhi.

ii. National Cooperative Development Corporation (NCDC), New Delhi.

iii. Cooperative Bank of India, New Delhi*

iv. Indian Tourism Cooperative Ltd. (COOPTOUR), New Delhi.

v. National Film & FineArts Coop. Ltd., (NAFFAC), New Delhi.

vi. International CooperativeAlliance (ICA), Geneva, Switzerland.

vii. International Raiffeisen Union (IRU), Bonn, Germany.

Chairman, NAFSCOB is also Vice-Chairman of National Agricultural Cooperative Marketing Federation of

India Ltd.(NAFED).

*Dr. Bijender Singh, Ex-MLA, Ex-Chairman, NAFSCOB, Director, NAFSCOB, President Delhi SCB represents

NAFSCOB.

i. Shri Dileep Sanghani, Chairman, NAFSCOB attended 32nd CIRIEC International Congress held on

29th May to 1st June, 2018 at Liege, Belgium. 2018.

ii. Shri Dileep Sanghani, Chairman, NAFSCOB visited to BEES Coop, Schaerbeek, Brussels on 29 May

2018.

iii. Shri Dileep Sanghani, Chairman, NAFSCOB attended 19th Vaikunth Bhai Mehta Memorial Lecture

held at National Cooperative Union of India (NCUI), New Delhi on 25th June, 2018.

iv. Shri Dileep Sanghani, Chairman, NAFSCOB, participated in the opening ceremony of the National

Cooperative College on 09thAugust, 2018 at Mauritius.

v. Shri Dileep Sanghani, Chairman, NAFSCOB, attended ‘Meeting of the Chairman, CEO of SCBs &

State Govt. Officials in NER (including Sikkim) and Andaman & Nicobar’ organised by National Bank

forAgriculture and Rural Development (NABARD) atAgartala, Tripura on 24th September, 2018.

vi. Shri Dileep Sanghani, Chairman, NAFSCOB, attended ICA General Assembly and 5th Summit of

Cooperatives ofAmerica held from 21st to 26th October, 2018 in BuenosAires,Argentina.

vii. Shri Dileep Sanghani, Chairman, NAFSCOB, attended NEDAC General Assembly and EXCOM of

NEDAC held in National Academy of Agriculture Sciences, New Delhi from 15th to 16th November,

2018.

viii. Shri Dileep Sanghani, Chairman, NAFSCOB, attended International Seminar on Human Resource

Policy in Cooperatives held in Budapest, Hungary from 29th November to 05 December, 2018.

14.2. Chairman, NAFSCOB attended the following Meetings / Seminars / Conferences / Workshops and

Programmes duringApril 1, 2018 to March 31, 2019.

48

ix. Shri Dileep Sanghani, Chairman, NAFSCOB, attended preliminary meeting at Maharashtra State

Cooperative Bank, Mumbai on 27-12-2018.

x. Shri Dileep Sanghani, Chairman, NAFSCOB, attended meeting with Governor, RBI at RBI Central

Office, Mumbai on 27-12-2018.

xi. Shri Dileep Sanghani, Chairman, NAFSCOB, attended meeting of General Council of NCDC on 27-02-

2019.

xii. Shri Dileep Sanghani, Chairman, NAFSCOB attended Seminar-cum-Review of State Cooperative

Banks held in NABARD Head Office at Mumbai on 13th March, 2019.

Shri Bhima Subrahmanyam, Managing Director, represents NAFSCOB in the following national/international

level organisations:

i. Member,Advisory Committee, College ofAgricultural Banking (CAB), Pune.

ii. Asia and Pacific Rural andAgricultural CreditAssociation (APRACA), Bangkok.

iii. Network for Development ofAgriculture Cooperatives (NEDAC), Bangkok.

iv. Centre for International Co-operation and Training inAgricultural Banking (CICTAB), Pune.

v. Member, ‘Accreditation Board’ for Accreditation of ‘Cooperative Training Institutes’ (CTIs) by

C-PEC, BIRD, Lucknow.

i. irst meeting of the NAFSCOB

Committee to formulate Human Resource Policy for Primary PACS held at Hyderabad, Telangana

on11 thApril, 2018.

ii. econd meeting of the NAFSCOB

Committee to formulate Human Resource Policy held at Bhubaneswar, Odisha on 27thApril, 2018.

iii. isited the Karnataka State Coop. Apex

Bank Ltd. Bengaluru, Karnataka on 01st May, 2018.

iv. visited the Telangana State Coop. Apex

Bank Ltd., Hyderabad, Telangana on 08th May, 2018.

v. hird meeting of the NAFSCOB

Committee to formulate Human Resource Policy for PACS held at Lucknow, Uttar Pradesh on 16 - 18

May, 2018.

14.3. Managing Director:

14.4. Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended the following Meetings / Seminars /

Conferences / Workshops and Programmes duringApril 1, 2018 to March 31, 2019:

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended f

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended s

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB v

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended t


49

NAFSCOB

vi. ourth meeting of the NAFSCOB

Committee to formulate Human Resource Policy for PACS held at Shillong, Meghalaya on 22 - 24

May, 2018.

vii. 32nd CIRIEC International

Congress held on 29th May to 01st June, 2018 at Liege, Belgium.

viii. isited to BEES Coop, Schaerbeek,

Brussels on 29 May 2018.

ix. ifth meeting of the NAFSCOB

Committee to formulate Human Resource Policy for PACS held at Ernakulam, Kerala on 11 - 13

June, 2018.

x. ixth meeting of the NAFSCOB

Committee to formulate Human Resource Policy for PACS held at the Maharashtra State Coop. Bank

Ltd., Vashi on 15th June, 2018.

xi. eventh meeting of the

NAFSCOB Committee to fonnulate Human Resource Policy for PACS held at Ranchi,Jharkhand on 18

- 20 June, 2018.

xii. eighth meeting of the NAFSCOB

Committee to formulate Human Resource Policy for PACS held at Hyderabad, Telangana, on 21st

June, 2018.

xiii. 19th Vaikunth Bhai Mehta

Memorial Lecture held at National Cooperative Union of India (NCUI), New Delhi on 25th

June,2018.

xiv. eeting of the Chairman,

CEO of SCBs & State Govt. Officials in NER (including Sikkim) and Andaman & Nicobar organised by

NABARD atAgartala, Tripura on 24th September, 2018.

xv. the Meeting of the Committee

to formulate HR Policy for PACS at Hyderabad, Telangana on 03rd October, 2018.

xvi. 70th EXCOM & 21st General

Assembly ofAPRACAheld at Colombo, Sri Lanka on 09th October, 2018.

xvii. ICA General Assembly and 5th

Summit of Cooperatives of America held from 21st to 26th October, 2018 in Buenos Aires,

Argentina.


Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB v






Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended the m




50

xviii. visited Pondicherry to attend

Consultation Meet with Thiru S. Baskar, Former GM, Pondicherry SCB and Thiru V. Radhakrishnan,

Former GM, Pondicherry SCB held from 09th to 11th November, 2018.

xix. NEDAC General Assembly and

EXCOM of NEDAC held in National Academy of Agriculture Sciences, New Delhi from 15th to 16th

November, 2018.

xx. International Seminar on

Human Resource Policy in Cooperatives held in Budapest, Hungary from 29th November to 05th

December, 2018.

xxi. preliminary meeting at

Maharashtra State Cooperative Bank, Mumbai on 27-12-2018.

xxii. meeting with Governor, RBI

at RBI Central Office, Mumbai on 27-12-2018.

xxiii. visited The Andhra Pradesh State Coop.

Bank Ltd., Vijayawada & The Telangana State Coop. Apex Bank Ltd., Hyderabad during the period

18th to 25th January, 2019.

xxiv. visited The Chhattisgarh Rajya Sahakari

Bank Maryadit, Raipur on 02nd February, 2019.

xxv. visited The Karnataka State Coop. Apex

Bank Ltd., Bengaluru on 16th February, 2019.

xxvi. meetings of Managing

Committee and General Council held in Ministry of Agriculture and Farmers Welfare, New Delhi on

22nd February, 2019.

xxvii. NEDAC EXCOM held in Bangkok,

Thailand from 06th to 09th March, 2019.

The Statutory Audit of the NAFSCOB Accounts for the year ended March 31, 2019 was conducted by M/s.

Nihar Mehta & Co., Chartered Accountants, Mumbai. The Audited Statement of Accounts for the year

ended March 31, 2019 and theAudit Report are presented separately.

The comparative position of ‘Assets & Liabilities’ and ‘Income & Expenditure’ for the year ended March 31,

2019 and March 31, 2019 are given in the following tables:





Shri Bhima Subrahmanyam, Managing Director, NAFSCOB attended the






15. Accounts and Finance:


51

NAFSCOB

ASSETS & LIABILITIES

LIABILITIES As on ASSETS As on

31-03-2019 31-03-2018 31-03-2019 31-03-2018

Reserves and otherFunds

473.70 466.27 Cash and BankBalance

11.85 34.33

InternationalEducation andExposure Fund

69.61 78.86 Investments 493.63 478.13

Current Liabilities& Provision

55.57 61.02 Interest Accrued and Outstanding 5.77 6.20

Income &Expenditure A/c

42.51 32.08 Fixed Assets 18.66 20.95

Grant-in-Aid Recd.From Governmentof India

7.97 20.00 Welfare Fund 24.82 22.95

Subhash Yadav Awards for PACS’ 1.00 1.00

Advance, Deposit & AIMAS Dues 17.63 18.67

Assistance receivable from

NCUI for National Seminar

-- 1.00

Assistance receivable fromNABARD for formulating HumanResource Policy for PACS NationalSeminar

6.00 --

International Education andExposure Fund

70.00 75.00

Total 649.36 658.23 Total 649.36 658.23

(Rs.in lakhs)

INCOME & EXPENDITURE ACCOUNT

INCOME( in lakhs)`

Sr.No.

1 Annual Membership Subscription 127.002 AIMAS Membership/Admission Fee 4.613 Interest received on Investment 39.474 Grant-in-Aid from Govt. of India 20.005 Contribution received 4.026 Assistance recd. From NABARD for

formulating HR Policy for PACS0.00

7 Assistance recd. From NCUI towardsNational Seminar

2.00

8 Dividend from Coop. Organisation 0.159 AIMAS Receipts --10 Misc. Income --

Total

Particulars 2017-18 Variations2018-19

126.000.58

44.305.002.776.00

2.00

0.150.250.05

187.10 197.25

-1.00-4.03+4.83

-15.00-1.25+6.00

0.00

0.00+0.25+0.05

-10.15

52

EXPENDITURE( in lakhs)`

Sr.

No.Particulars 2017 -18 Variations2018 -19

1 Cost of Management:

a) Salaries

b) P.R.D. Cell A ccount

c) Administrative & Other

Expenses

2 Membership Fees

3 Workshops/Conferences/Semina

rs Expenses

4 Publication Expenses

5 Property Tax

6 Meeting Expenses

7 Depreciation of Fixed Assets

8 Legal & Professional charges

9 Exp. towards formulating Human

Resource Policy for PACS

10 Transfer to Reserve Funds

11 Excess of Income over

Expenditure

Total

50.82

56.12

35.01

9.12

2.00

0.66

0.58

4.65

2.29

0.73

9.07

5.61

10.43

187.10

51.38

63.50

28.03

8.92

2.00

0.66

0.58

4.79

2.59

1.06

0.00

11.81

21.93

197.25

- 0.56

- 7.38

+6.99

+0.2

0.00

0.00

0.00

-0.14

-0.3

- 0.33

+9.07

-6.2

-11.5

-10.15

Note:

1. It may be observed from the above statement that there is a ‘Gross Surplus’ of 16.04 lakhs (i.e.

5.61 lakhs + 10.43 lakhs) as on 31-03-2019 as against 33.74 lakhs as on 31-03-2018.

2. As per provision of disposal of surplus:

a) 25% of Gross Surplus is transferred to General Reserve Fund

b) 10% of Gross Surplus is transferred to General Reserve Fund for meeting unforeseen losses.

3. Net Surplus is 10.43 lakhs.

4. The ‘Total Expenditure’ for the year 2018-19 was 171.06 lakhs as against 163.51 lakhs during the

preceding year.

5. The details of expenditure towards ‘Planning, Research and Development Cell’ is given below:

`

` ` `

`

` `


53

NAFSCOB

EXPENDITURE FOR PRD CELL

( in lakhs)`

Sr.No.

Particulars 2018-19 2017-18 Variations

1 Salaries & Allowance of the staff in PRDCell (including TA & DA)

50.32 59.12 -8.80

2 Printing & Stationery, Postage &Telegram, Publication, Telephone etc.

3.07 2.80 +0.27

3 Conferences/Workshops/Seminars/Trainings etc.

2.42 1.56 +0.86

4 Annual Performance Awards to SCB’s andDCCB’s

0.31 -- +0.31

Total 56.12 63.48 -7.36

54

16. Acknowledgements:

The Board wish to place on record its gratitude to the GOI, RBI and NABARD for their continued support to NAFSCOB.

The Board also thankfully acknowledges the continued support and encouragement received from Government of

India during the year. The Board also records its appreciation of the keen interest shown by Union Ministry of

Finance and Union Ministry of Agriculture & Farmers Welfare particularly Department of Cooperation in the

development of cooperative credit sector. The Board appreciates the initiatives of NABARD towards the growth and

development of short term cooperative credit structure and also in supporting NAFSCOB in its endeavour to work for

strengthening of member SCBs. Further, the Board places on record, the cooperation and close coordination

maintained by the organisations such as NCUI; COBI; National Cooperative Development Corporation (NCDC);

National Council for Cooperative Training (NCCT); College of Agricultural Banking (CAB); Bankers Institute of Rural

Development (BIRD), VAMNICOM, Indian Banks’ Association (IBA), Indian Institute of Banking and Finance (IIBF),

NAFED, NAFFAC, ISSC, COOPTOUR, CICTAB etc. and International Organisations such as ICA, ICA Thematic

Committees such as International Cooperative Banking Association (ICBA), International Cooperative Agricultural

Organisation (ICAO) of ICAetc., IRU,APRACA, NEDAC.

NAFSCOB could effectively play its role as a federal body due to the active involvement of the Chairmen and Chief

Executives of all member State Cooperative Banks. The Board places on record its high appreciation of their

commitment in building up the NAFSCOB as an effective organisation in the cooperative credit & banking sector.

The good performance achieved by NAFSCOB during the current, as in the case of earlier years, also has, in large

measure, been the result of continued sustained efforts and dedicated services put in by Shri Bhima

Subrahmanyam, Managing Director and therefore the Board place on record their high appreciation of his services.

The Board also appreciates the supportive role played by members of the staff at all levels.

On behalf of the Board of Directors of NAFSCOB

(DILEEP SANGHANI)

Ex. M.P./Ex. Minister, Gujarat

CHAIRMAN


55

NAFSCOB

LIST OF APPENDICES

Appendix - 1

Appendix - 2

Appendix - 3

Appendix - 4

Appendix - 5

Appendix - 6

Appendix - 7

Appendix- 8

Appendix - 8A

Appendix - 8B

Appendix - 8C

Appendix - 9

Appendix - 9A

Appendix - 9B

Appendix - 9C

Appendix - 10

Appendix - 10A

Appendix - 10B

Appendix - 10C

Appendix - 11

Appendix - 12

Agriculture Production - At a Glance - 2015-16 to 2018-19 56

Status of Bank Rate since 1935 57

Status of CRR - Since July 1935 58-60

State-wise sanctions and utilisation of Credit Limits to S.T.(SAO), ST-Weavers, MT 61

(Conversion) during the year 2018-19

Cooperative Development Fund - Assistance sanctioned to 62

Cooperative Credit Institutions as on 31.03.2019

Kisan Credit Card - Progress -2018-19 63

Kisan Credit Card - Agency-wise cumulative Progress since inception - 2018-19 64

Performance of SCBs during 2017-18 vis-à-vis 2016-17 - Statistical Presentation 65

SCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 66






Performance of DCCBs during 2017-18 vis-à-vis 2016-17 – Statistical Presentation 69

DCCBs - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 70






Performance of PACS during 2017-18 vis-à-vis 2016-17 - Statistical Presentation 73

PACS - Performance at a Glance during 2017-18 vis-à-vis 2016-17 (Membership) - 74






Grant-in-Aid from the Ministry of Agriculture, Govt. of India to NAFSCOB 77

Managing Director and Officers of NAFSCOB (as on 31.03.2019) 78

Sr.No. Appendix Details Page No.

Appendix – 1

56


AGRICULTURE PRODUCTION –AT A GLANCE(2015-16 TO 2018-19)

(Million Tonnes )CROP Final Estimates 2018-19

2015-16 2016-17 2017-18 Targets 2ndAdvanceEstimates

Rice(Total) 104.41 109.70 111.01

114.00 115.60

Kharif 91.41 96.30 96.48 99.00 101.96

Rabi 13.00 13.40 14.53 15.00 13.63Wheat 92.29 98.51 97.11 102.20 99.12Coarse Cereals(Total)

38.52 43.77 45.42 48.10 42.64

Kharif 28.15 32.44 33.15 35.70 31.30Rabi 10.37 11.33 12.27 12.40 11.34Pulses(Total)

16.35 23.13 23.95 25.95 24.02

Kharif 5.53 9.58 8.83 9.85 9.01Rabi 10.82 13.55 15.11 16.10 15.02Food Grains(Total)

251.57 275.11 277.49 290.25 281.37

Kharif 125.09 138.33 138.46 144.55 142.27Rabi 126.47 136.78 139.02 145.70 139.11Oil Seeds (Nine)(Total)

252.51 312.76 298.82 359.99 315.02

Kharif 166.80 215.13 203.61 255.00 212.53Rabi 85.71 97.62 95.20 104.99 102.49Other CommercialCrops(Total)

3889.77 3496.08 3976.46 4317.00 4209.93

Sugarcane 3484.48 3060.69 3532.26 3850.00 3808.34Cotton * 300.05 325.77 339.15 355.00 300.87Jute & Mesta ** 105.24 109.62 105.05 112.00 100.72

* Lakh bales of 170kg. each

** Lakh bales of 180kg. each

Source: Directorate of Economics and Statistics, Dept. of Agri. & Cooperation, Ministry of Agriculture,GoI

(http://agricoop.gov.in/sites/default/files/2ndADVEST201819_E.pdf))

Appendix – 2STATUS OF BANK RATE SINCE 1935

57

NAFSCOB

05-07-1935 3.50

28-11-1935 3.00

15-11-1951 3.50

16-05-1957 4.00

03-01-1963 4.50

26-09-1964 5.00

17-02-1965 6.00

02-03-1968 5.00

09-01-1971 6.00

31-05-1973 7.00

23-07-1974 9.00

12-07-1981 10.00

04-07-1991 11.00

09-10-1991 12.00

16-04-1997 11.00

26-06-1997 10.00

22-10-1997 9.00

17-01-1998 11.00

19-03-1998 10.50

03-04-1998 10.00

29-04-1998 9.00

02-03-1999 8.00

02-04-2000 7.00

22-07-2000 8.00

17-02-2001 7.50

02-03-2001 7.00

23-10-2001 6.50

30-10-2002 6.25

30-04-2003 6.00

2004-2005 6.00

2005-2006 6.00

2006-2007 6.00

2007-2008 6.00

2008-2009 6.00

2009-2010 6.00

2010-2011 6.00

2011-12 (w.e.f. -13.02.2012) 9.50

2011-12 (w.e.f. -17.04.2012) 9.00

2012-13 (w.e.f. -29.01.2013) 8.75

2012-13 (w.e.f. -19.03.2013) 8.50

2012-13 (w.e.f. -03.05.2013) 8.25

2012-13 (w.e.f. -15.07.2013) 10.25

2012-13 (w.e.f. - 20.09.2013) 9.50

2012-13 (w.e.f. -07.10.2013) 9.00

2012-13 (w.e.f. -29.10.2013) 8.75

2013-14 (w.e.f. -28.01.2014) 9.00

2013-14 (w.e.f. -01.04.2014) 9.00

2014-15 (w.e.f. 15-01-2015) 8.75

2014-15 (w.e.f. 04-03-2015) 8.50

2015-16 (w.e.f. 02-06-2015) 8.25

2015-16 (w.e.f. 29-09-2015) 7.75

2016-17 (w.e.f. 04-10-2016) 6.75

2017-18 (w.e.f. 02-08-2017) 6.25

Effective Date Bank Rate (%)

Source:- Reserve Bank Of India

Appendix –3

STATUS OF CASH RESERVE RATIO (CRR) – SINCE JULY 1935

CRR on Net Demand and Time liabilities (Percent) Effective (Fortnight beginning) froma) 5.00% of DT ( b) 2.00% of DT July 05, 1935

a) 5.00% of DT ( b) 2.00% of DT @ March 06, 1960a) 5.00% of DT (b) 2.00% of DT @ May 06, 1960

a) 5.00% of DT (b) 2.00% of DT November 11, 19603.00 September 16, 19625.00 June 29, 19736.00 September 08, 19737.00 September 22, 19735.00 July 01, 19744.50 December 14, 19744.00 December 28, 19745.00 September 04, 19766.00 November 13, 1976

6.00 @ January 14, 19776.00 @ July 01, 19786.00 @ June 05, 1979

6.50 July 31, 19817.00 August 21, 19817.25 November 27, 19817.50 December 25, 19817.75 January 29, 19827.25 April 09, 19827.00 June 11, 19827.50 May 27, 19838.00 July 29, 19838.50 August 27, 1983

8.50 @ November 12, 19839.00 @ February 04, 19849.00 @ October 27, 19849.00 @ December 01, 19849.00 @ October 26, 19859.00 @ November 22, 19869.50 @ February 28, 19879.50 @ May 23, 198710.00 @ October 24, 198710.00 @ April 23, 198810.50 @ July 02, 198811.00 @ July 30, 198815.00 @ July 01, 198915.00 @ May 04, 199115.00 @ January 11, 199215.00 @ April 21, 199215.00 @ October 08, 199214.50 April 17, 199314.50 June 11, 199414.75 July 9, 1994

58



15.00 August 6, 199414.50 November 11, 199514.00 December 9, 199513.50 April 27, 199613.00 May 11, 199612.00 July 6, 199611.50 October 26, 199611.00 November 9, 199610.50 January 4, 199710.00 January 18, 19979.75 October 25, 19979.50 November 22, 199710.00 December 06, 199710.50 January 17, 199810.25 March 28, 199810.00 April 11, 199811.00 August 29, 199810.50 March 13, 199910.00 May 8, 19999.50 November 6, 19999.00 November 20, 19998.50 April 08, 20008.00 April 22, 20008.25 July 29, 20008.50 August 12, 20008.25 February 24, 20018.00 March 10, 20017.50 May 19, 20015.75 November 3, 20015.50 December 29, 20013.00 December 31, 2001 #5.50 January 12, 20025.00 June 01, 20024.75 November 16, 20024.50 June 14, 20035.00 October 02, 20045.00 2004-20055.00 2005-20065.25 December 23, 20065.50 January 06, 20075.75 February 17, 20076.00 March 03, 20076.25 April 14, 20076.50 April 28, 20077.00 August 04, 20077.50 November 10, 20077.75 26.04.2008

59

NAFSCOB


8.00 10.05.20088.25 24.05.20088.50 05.07.20088.75 19.07.20089.00 30.08.20088.50 11.10.20087.50 11.10.20086.50 11.10.20086.00 25.10.20085.50 08.11.20085.00 17.01.20095.50 13.02.20105.75 27.02.20106.00 24.04.20105.50 28.01.20124.75 10.03.20124.50 22.09.20124.25 03.11.20124.00 09.02.2013

Note:

SLR for Scheduled Commercial Banks:

SAVINGS BANK – RATE OF INTEREST:

CRR for Non-Scheduled SCBS and all DCCBs:

i. DL: Demand Liabilities.ii. TL: Time Liabilities.iii. @:Accompanied with additional reserve requirements of CRR on incremental NDTL.iv. .#:Exemption to maintain a minimum statutory level of CRR has been withdrawn to scheduled SCBs w. e. f. December 31, 2001 and they

are brought on par with commercial banks w. e. f. January 01, 2002.v. Bank Rate: 6% (upto 12.02.2012)vi. Bank Rate: 9% (from 28.01.2014)vii. Bank Rate: 8.50% (from 04.03.2015)viii. Bank rate: 8.25% (from 02.06.2015)ix. Bank Rate 7.75% (from 29-09-2015)x. Bank Rate 6.75% (from 8-02-2017)xi. Bank rate 6.50% (from 07-06-2017)xii. Bank Rate 6.25% (from 02-08-2017)xiii. Repo-Rate – 8% and Reverse Repo-Rate 7% w.e.f. 28.01.2014xiv. Repo-Rate – 7.75% and Reverse Repo-Rate 6.75% w.e.f. 15.01.2015xv. Repo-Rate – 7.50% and Reverse Repo-Rate 6.50% w.e.f. 04.03.2015xvi. Repo-Rate – 7.25% and Reverse Repo Rate 6.25% w.e.f.02.06.2015xvii. Repo-Rate – 6.50% and Reverse Repo Rate 6.00% w.e.f.29.09.2015xviii. Repo-Rate – 6.25% and Reverse Repo Rate 5.75% w.e.f.04.10.2016xix. Repo-Rate – 6.25% and Reverse Repo Rate 6.00% w.e.f.06.04.2017xx. Repo Rate – 6.00% and Reverse Repo Rate 5.75% w.e.f.02.08.2017xxi. Liabilities of scheduled banks arising from transactions in “Collateralised Borrowing and Lending Obligation” (CBLO) with Clearing

Corporation of India Ltd. (CCIL) is subject to maintenance of CRR with effect from the fortnight beginning November 21, 2009 (RBI MidTerm Review – 27.10.2009)

a) SLR upto 08.11.2008 – 25%b) SLR From 08.11.2008 to 07.11.2009 – 24%c) SLR From 07.11.2009 – 25%d) SLR From 18.12.2010 – 24%e) SLR From 11.08.2012 - 23%f) SLR From 14.06.2014 – 22.50%g) SLR for Scheduled Cooperative Banks continues to be 25%,h) SLR for Scheduled Cooperative Banks w.e.f. 12-07-2014 – 22.50%i) SLR for Cooperative Banks w.e.f. 09-08-2014 – 22.00%j) SLR for Cooperative Banks w.e.f. 07-02-2015 – 21.50%k) SLR for Cooperative Banks w.e.f. 04-10-2016 – 20.75%l) SLR for Cooperative Banks w.e.f. 07-11-2016 – 20.50%m) SLR for Cooperative Banks w.e.f. 24-06-2017 – 20.00%n) SLR for Cooperative Banks w.e.f. 14-10-2017 – 19.50%

a) 4% w.e.f. 03.05.2011 and upto 24.10.2011b) Interest Rate on S.B. Deposits has been deregulated w.e.f. 25.10.2011

a) CRR from 3.00 to 4.00 w.e.f. 12.07.2014 (RPCD.RCB.BC.No. 110 /07.51.020/2013-14 June 5, 2014)

60


APPEN

DIX

-4

STAT

E-W

ISE

SAN

CT

ION

SA

ND

UT

ILIS

ATIO

NO

FSH

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TER

M(S

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NABARD

62

APPEN

DIX

-5

Coopera

tive

Develo

pm

ent

Fund

(CD

F)

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tem

ent

of

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nce

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63

APPEN

DIX

-6

STAT

E-W

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AN

DA

GEN

CY

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EN

EW

KC

CS

-IS

SU

ED

AN

DA

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Appendix –8

PERFORMANCE OF STATE COOPERATIVE BANKSDURING 2017-18 VIS-À-VIS 2016-17

65

NAFSCOB

SL. VARIABLES VARIABLES VARIABLES ABSOLUTE PERCENTAGENO. DURING DURING INCREASE INCREASE

2016-17 2017-18 DURING DURING2017-18 2017-18

OVER OVER

2016-17 2016-17

1 2 4 4 5 6

1. NUMBER

2. MEMBERSHIP( TOTAL )a. COOPERATIVE

SOCIETIESb. INDIVIDUALS

3. PAID UP CAPITAL

a. TOTALb. OF WHICH GOVT.

4. RESERVES5. DEPOSITS

a. TOTALb. INDIVIDUALS

c. COOPERATIVES AND

OTHERS6. BORROWINGS

7. WORKING CAPITAL

8.

LOANS AND ADVANCES

ISSUED

a. TOTALb. SHORT TERM

c. MEDIUM TERMd. OTHERS

9. LOANS OUTSTANDINGSa. TOTAL

b. SHORT TERM

c. MEDIUM TERMd. OTHERS

10. LOANS RECOVERED11. BALANCE ( OVERDUES )

12. DEMAND

13.PERCENTAGE OFOVERDUES

32

843212

20375822837

48527682431

1245987

121688523285352

88835007543301

22085817

1225450910715487

922644616378

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3.47

2.62

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-0.20

1.89

TO DEMAND ( % )

Appendix –8A

66

NAFSCOB NAVI MUMBAI

STATE COOPERATIVE BANKSPERFORMANCE AT A GLANCE

DURING 2016-17 AND 2017-18


0

100000

200000

300000

400000

500000

600000

700000

800000

900000

Total Membership Cooperatives Individual

2016-17 843212 20375 822837

2017-18 676006 24742 651264

InN

um

be

rs

MEMBERSHIP

2016-17

2017-18

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18

Appendix –8B

67

NAFSCOB

0

50000

100000

150000

200000

250000

Share Capital Reserves Deposits Owned

Funds

Borrowings Working

Capital

2016-17 4853 12460 121688 17313 75433 220858

2017-18 5278 13303 120604 18581 71224 215786

Rs.

incr

ore

s

KEY PARAMETERS

2016-17

2017-18

Appendix –8C

68

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18


0

20000

40000

60000

80000

100000

120000

140000

Loans Issued Loans

Oustandings

Demand Collection Overdues

2016-17 122545 122842 76869 74129 2740

2017-18 127956 127107 76715 72532 4183

Rs.

incro

res

KEY PARAMETERS

2016-17

2017-18

69

Appendix –9

NAFSCOB


PERFORMANCE OF DISTRICT CENTRAL COOPERATIVE BANKSDURING 2017-18 VIS-À-VIS 2016-17

SL. VARIABLES PERFORMANCE PERFORMANCE ABSOLUTE PERCENTAGE

NO. DURING DURING INCREASE INCREASE

2016-17 2017-18 DURING DURING

2017-18 2017-18

OVER OVER

2016-17 2016-17

1 2 3 4 5 6

1 NUMBER 363 363 0 0.00

2 MEMBERSHIP( TOTAL ) 3233864 3042226 -191638 -5.93

a. COOPERATIVE SOCIETIES 478374 472675 -5699 -1.19

b. INDIVIDUALS 2755490 2569551 -185939 -6.75

3 PAID UP CAPITAL

a. TOTAL 1469594 1590723 121129 8.24

b. OF WHICH GOVT. 207261 219071 11810 5.70

4 RESERVES 3344495 3532154 187659 5.61

5 DEPOSITS

a. TOTAL 31185774 34073787 2888013 9.26

b. INDIVIDUALS 17791932 18916545 1124613 6.32c. COOPERATIVES AND

OTHERS 13393842 15157242 1763400 13.17

6 BORROWINGS 8482033 8591798 109765 1.29

7 WORKING CAPITAL 45521345 48321027 2799682 6.15

8LOANS AND ADVANCESISSUED

a. TOTAL 25328240 24205851 -1122389 -4.43

b. SHORT TERM 20171408 18863148 -1308260 -6.49

c. MEDIUM TERM 3163284 3395389 232105 7.34

d. OTHERS 1993548 1947314 -46234 -2.32

9 LOANS OUTSTANDINGS

a. TOTAL 24444587 26019789 1575202 6.44

b. SHORT TERM 15408115 16803084 1394969 9.05

c. MEDIUM TERM 6328441 6700119 371678 5.87

d. OTHERS 2708031 2516586 -191445 -7.07

10 LOANS RECOVERED 16661479 17101526 440047 2.64

11 BALANCE ( OVERDUES ) 5071304 5690024 618720 12.20

12 DEMAND 21732783 22791550 1058767 4.87

13 PERCENTAGE OF OVERDUES 23.33 24.97 - 1.63

TO DEMAND ( % )

Appendix –9A

70

NAFSCOB NAVI MUMBAI

DISTRICT CENTRAL COOPERATIVE BANKSPERFORMANCE AT A GLANCE

DURING 2016-17 AND 2017-18


0

500000

1000000

1500000

2000000

2500000

3000000

3500000

Total

Membership

Cooperatives Individuals

2016-17 3233864 478374 2755490

2017-18 3042226 472675 2569551

InN

um

be

rs

MEMBERSHIP

2016-17

2017-18

Appendix –9B

71

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18

NAFSCOB

0

50000

100000

150000

200000

250000

300000

350000

400000

450000

500000

Share

Capital

Reserves Deposits Owned

Funds

Borrowings Working

Capital

2016-17 14696 33445 311858 48141 84820 455213

2017-18 15907 35321 340738 51228 85918 483210

Rs.

incro

res

KEY PARAMETERS

2016-17

2017-18

Appendix –9C

72

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18


0

50000

100000

150000

200000

250000

300000

Loans Issued Loans

Oustandings

Demand Collection Overdues

2016-17 253282 244446 217328 166615 50713

2017-18 242058 260198 227915 171015 56900

Rs.

incro

re

s

KEY PARAMETERS

2016-17

2017-18

73

Appendix –10

NAFSCOB


PERFORMANCE OF PRIMARY AGRICULTURAL CREDITSOCIETIES DURING 2017-18 VIS-À-VIS 2016-17

SL. VARIABLES PERFORMANCE PERFORMANCE ABSOLUTE PERCENTAGE

NO. DURING DURING INCREASE INCREASE

2016-17 2017-18 DURING DURING

2017-18 2017-18

OVER OVER

2016-17 2016-17

1 2 3 4 5 6

1. NUMBER OF SOCIETIES

2. MEMBERSHIP ( 000 )

a. TOTAL

a. OF WHICH S. C.

b. OF WHICH S. T.

3. PAID UP CAPITAL

a. TOTAL

b. OF WHICH GOVT.

4. RESERVES

5. DEPOSITS

6. BORROWINGS

7. WORKING CAPITAL

8. NO. OF BORROWERS( 000 )

9. LOANS AND ADVANCES ISSUED

a. TOTAL

b. SHORT TERM

c. MEDIUM TERM

10. LOANS OUTSTANDINGS

a. TOTAL

b. SHORT TERM

c. MEDIUM TERM

11. LOANS RECOVERED

12. OVERDUES

13. DEMAND

14. PERCENTAGE OF OVERDUES

95595

131235

14998

9316

1412155

82924

1886031

11588420

12483095

23996699

52017

20067839

15738899

4328940

17045925

12219391

4826534

14717085

5329298

20046383

26.58

95238

130547

14883

9443

1414200

80739

1679971

11963233

12833322

24356251

50690

20732178

16358429

4373749

16962968

12082325

4880643

14883450

4791544

19674994

24.35

-0.37

-0.52

-0.77

1.36

0.14

-2.63

-10.93

3.23

2.81

1.50

-2.55

3.31

3.94

1.04

-0.49

-1.12

1.12

1.13

-10.09

-1.85

-2.23

TO DEMAND ( % )

-357

-688

-115

127

2045

-2185

-206060

374813

350227

359552

-1327

664339

619530

44809

-82957

-137066

54109

166365

-537754

-371389

-

Appendix –10A

74

NAFSCOB NAVI MUMBAI

PRIMARY AGRICULTURAL CREDIT SOCIETIESPERFORMANCE AT A GLANCE

DURING 2016-17 AND 2017-18


2016-17

2017-180

50000

100000

150000

Total MembershipSC Membership

ST Membership

Nu

mb

er

inT

ho

usa

nd

s

Total Membership SC Membership ST Membership

2016-17 131235 14998 9316

2017-18 130547 14883 9443

MEMBERSHIP

Appendix –10B

75

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18

NAFSCOB

400000

Rs

.in

cro

re

s

200000

0

Shar

eCap

ital

Reserv

es

Deposi

ts

Ow

nedFu

nds

Borrow

ings

Work

ing

Capita

l

2017-18

2016-17

2016-17

2017-18

2016-17

2017-18

Share

Capital

14121

14142

Reserves

18860

16799

Deposits

115884

119632

32981

30941

Owned

FundsBorrowings

124831

128333

Working

Capital

239967

243562

KEY PARAMETERS

Appendix –10C

76

NAFSCOB NAVI MUMBAI


DURING 2016-17 AND 2017-18


2016-17

2017-180

50000

100000

150000

200000

250000

Loans

Issued Loans

OustandingsDemand

CollectionOverdues

Rs.

incro

res

Loans IssuedLoans

OustandingsDemand Collection Overdues

2016-17 200678 170459 200464 147171 53293

2017-18 207322 169630 196750 148834 47916

KEY PARAMETERS

2016-17

2017-18

Appendix –11GRANT-IN-AID UNDER CENTRAL SECTOR SCHEME

YEAR AMOUNT ( )

1974-75 10,000.001975-76 25,000.001776-77 58,700.001977-78 63,014.001978-79 1,00,000.001979-80 1,15,000.001980-81 1,50,000.001981-82 2,40,000.001982-83 2,25,000.001983-84 2,30,000.001984-85 2,70,000.001985-86 2,92,000.001986-87 3,10,000.001987-88 3,20,000.001988-89 5,24,000.001989-90 6,25,000.001990-91 7,60,000.001991-92 10,00,000.001992-93 12,00,000.001993-94 10,00,000.001994-95 12,00,000.001995-96 15,00,000.001995-96* 10,00,000.001996-97 15,00,000.001997-98 16,00,000.001998-99** 11,00,000.001999-00 17,00,000.002000-01** 9,50,000.002001-02 9,33,000.002002-03 20,00,000.002003-04** NIL2004-05** NIL2005-06 20,00,000.002006-07 20,00,000.002007-08 20,00,000.002008-09** 15,80,000.002009-10 33,00,000.002010-11*** NIL2011-12 16,00,000.002012-13 16,00,000.002013-14*** NIL2014-15 5,00,000.002015-16 10,00,000.002016-17 10,50,000.002017-18 40,00,000.00$2018-19 5,00,000.00

`

77

NAFSCOB

* One time assistance for acquiring own premises at Vashi, Navi Mumbai** Due to reduced budget allocation to Ministry of Agriculture, Dept. of Agriculture & Cooperation, New Delhi*** Reasons are not communicated $ Rs.10,00,000 for General Category of NE States, Rs.5,00,000 for Tribal Area Category other than NEStates and Rs. 5,00,000 for SCSP category other than NE States

Appendix –12

MANAGING DIRECTOR AND OFFICERS OF NAFSCOB(AS ON 31 MARCH 2019)

ST

Sr. No. Name Designation Professional (E-mail ID)

1 Shri B. Subrahmanyam Managing Director [email protected]

2 Dr. J. S. Hanamashetti Deputy Director [email protected]

3 Shri Manoj Kumar Assistant Director [email protected]

4 Shri B. B. Kadam Assistant Director [email protected]

78


Shri Konduru Ravinder Rao, Director, NAFSCOB & President, Telangana State Co-op Apex Bank/Chairman of the NAFSCOB Committee to Formulate HR Policy for PACS; Shri Bhima Subrahmanyam, Managing Director, NAFSCOB/ Permanent Invitee to the Committee; Shri P. Mohanaiah, Former CGM, NABARD/ Member of the Committee; Shri D. Ramesh Sinha, Former CGM, APCOB/ Member of the Committee; Dr. Nethi Muralidhar, Managing Director, Telangana State Co-op Apex Bank, Special Invitee and Dr. J.S. Hanamashetti, Dy, Director & Convener of the committee during their visit to Mookannur Service Cooperative Bank, Ernakulam, Kerala on 12 June 2018. Shri K.P. Baby, President, Office Bearers and members of the Mookannur Service Cooperative Bank, Ernakulam welcomed the Committee and subsequently held discussions with them.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the 'SUBHASH YADAV AWARD' (Third Prize) for Best Performing Primary Agricultural Credit Society in India for the Year 2016-17 to Smt. E. Devi, Secretary, AA520 Veerappampalayam Primary Agricultural Credit Society, Erode District, Tamil Nadu during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Thiru R. Elangovan, President, Tamil Nadu SCB, Dr. S. Palaniswamy, IAS, Registrar of Cooperative Societies, Tamil Nadu, Dr. K. Rajendran, Managing Director, Tamil Nadu SCB, Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB and Shri R. Amalorpavanathan, Deputy Managing Director, NABARD also joined the Award presentation.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the First Prize under Overall Performance Award to SCB in III Tier Structure for the year 2016-17 to Shri K. Ravinder Rao, President and Dr. Nethi Muralidhar, Managing Director, Telangana State Co-Operative Apex Bank Ltd., Hyderabad during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB, Dr. Sunil Kumar Singh, Chairman, BISCOMAUN, Shri R. Amalorpavanathan, Deputy Managing Director, NABARD and Dr. Bijender Singh, Ex-Chairman, NAFSCOB & President Delhi SCB also joined the Award presentation.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the Second Prize under Overall Performance Award to SCB in III Tier Structure for the year 2016-17 to Shri P. Venkateswara Rao, President and Dr. A.V. Bhavani Shankar, Managing Director, Andhra Pradesh State Cooperative Bank Ltd., Vijayawada during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Shri Dileep Sanghani, Chairman, NAFSCOB and Shri Bhima Subrahmanyam, Managing Director, NAFSCOB also joined the Award presentation.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the Third Prize under Overall Performance Award to SCB in III Tier Structure for the year 2016-17 to Shri Vidyadhar V. Anaskar, Administrator and Shri Sanjay Bhende and Shri Avinash Laxman Mahagaonkar, Committee Members to the Administrative Board, Maharashtra State Cooperative Bank Ltd., Mumbai during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Shri R.L. Bayas, Managing Director, Maharashtra SCB, Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB, Shri Khushi Ram Balnatah, Chairman, Himachal Pradesh SCB and Shri R. Amalorpavanathan, Deputy Managing Director, NABARD also joined the Award presentation.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the First Prize under Overall Performance Award to SCB in II Tier Structure for the year 2016-17 to Shri Bhagat Singh, Chairman and Shri K. Murugan, Managing Director, Andaman & Nicobar State Co-operative Bank Ltd., Port Blair during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB and Shri R. Amalorpavanathan, Deputy Managing Director, NABARD also joined the Award presentation.

Shri Khushi Ram Balnatah, Chairman, Himachal Pradesh SCB being felicitated by Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI on his election as Vice-Chairman (Northern Zone), NAFSCOB during the meeting of Board of Directors/ Annual General Body of NAFSCOB on 20-07-2018 at Mumbai. Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB and Dr. Bijender Singh, Ex-Chairman, NAFSCOB & President Delhi SCB are also seen in the picture.

Dr. Chandrapal Singh Yadavji, M.P (Rajya Sabha) & President, NCUI presenting the Second Prize under Best Performance Awards to ACSTIs for the year 2016-17 to Dr. S.S. Brar, Principal, Agriculture Cooperative Staff Training Institute (ACSTI), Jalandhar, Punjab during the Award presentation ceremony/Special event organized by NAFSCOB on 20-07-2018 at Mumbai. Shri D.P. Reddy, IAS, Addl. Chief Secretary & Chairman, Punjab SCB and Dr. S.K. Batish, Managing Director, Punjab SCB graced the Award presentation in addition to Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima Subrahmanyam, Managing Director, NAFSCOB and Shri R. Amalorpavanathan, Deputy Managing Director, NABARD.

Dr. Harsh Kumar Bhanwala, Chairman, NABARD, Shri Dileep Sanghani, Chairman, NAFSCOB, Shri Bhima

Subrahmanyam, Managing Director, NAFSCOB, Shri R. Amalorpavanathan, Deputy Managing Director, NABARD,

Smt. Sarita Arora, Chief General Manager, IDD, NABARD and Ms. T. Lalmuanpuii, Chairperson, Mizoram SCB along

with other distinguished delegates during the Review Meet of State Cooperative Banks of North Eastern Region

organised by NABARD at Agartala, Tripura on 24-09-2018.

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB during 70th EXCOM & 21st General Assembly of APRACA held at

Colombo, Sri Lanka during 08-10 October, 2018.

Dr. Chandra Pal Singh Yadavji, M.P. (Rajya Sabha), President, NCUI (Center) with other delegates during International

Seminar on Human Resource Policy in Cooperatives supported by NAFSCOB at Budapest, Hungary during 29,

November to 02 December, 2018

Shri Sundeep Kumar Nayak, IAS, Managing Director, NCDC, and Chairman, NEDAC is seen with Shri Bhima

Subrahmanyam, Managing Director, NAFSCOB and other delegates during General Assembly of NEDAC held at New

Delhi during15-16 November, 2018.

Shri Dileep Sanghani, Ex.M.P./Ex. Minister, Gujarat, Chairman, NAFSCOB presenting the Memento to Dr. Harsh Kumar

Bhanwala, Chairman, NABARD during the National Seminar on HR Policy for PACS on 11-12-2018 at Mumbai. Others

in the Picture are (L to R) Dr. Bijender Singh, Ex. MLA, Ex.Chairman, NAFSCOB/NAFED/NCCF, President Delhi SCB;

Shri Bhima Subrahmanyam, Managing Director, NAFSCOB and Thiru Dayanand Kataria, IAS, Principal Secretary to

Govt. of Tamil Nadu.

Shri Shaktikanta Das, IAS, Governor, RBI, invited representatives of Rural Cooperative Banks and Urban Cooperative

Banks for consultation on 27-12-2018. The representatives seen with Governor, RBI are (From L-R) Shri Jyotindra M

Mehta, President, NAFCUB, Shri V. V. Anaskar, Administrator, Maharashtra SCB, Shri Bhima Subrahmanyam, M.D.,

NAFSCOB, Shri Dileep Sanghani, Ex.M.P./Ex.Minister, Gujarat, Chairman, NAFSCOB and Shri M. Antonysamy John

Peter, M.D., Tamil Nadu SCB.

Dr. Harsh Kumar Bhanwala, Chairman, NABARD released the first copy of the final “Report of the NAFSCOB Committee

to formulate HR Policy for PACS” on 15-01-2019 at Mumbai. Shri Bhima Subrahmanyam, Managing Director,

NAFSCOB is present during the event.

(From L-R) Shri. Bhima Subrahmanyam, Managing Director, NAFSCOB, Dr. H R Dave, Dy. Managing Director,

NABARD, Shri Dileep Sanghani, Ex.M.P./Ex. Minister, Gujarat, Chairman, NAFSCOB, Dr. Harsh Kumar Bhanwala,

Chairman, NABRRD, Shri R Amalorpavanathan, Dy. Managing Director, NABARD and Smt. Sarita Arora, Chief General

Manager, IDD, NABARD during the Seminar Cum Review Meet of Cooperative Banks organized by NABARD on

13-03-2019 in Mumbai.

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56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

jk"Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr]lkekU; fudk; ds lnL;

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NAFSCOB

31&03&2019 dh fLFkfr31&03&2019 dh fLFkfr

1 v/;{k] uS¶LkdkWciqoZ lkaln@iqoZ ea=h]xqtjkr

Jh fnyhi la?kkuhfuns'kdxqtjkr jkT; lgdkjh cSad e;kZfnrljnkj oYyHkHkkbZ iVsy lgdkj Hkou'kkL=huxj chvkjVh,l cl LVSaM ds ikl]ukj.kiqjk] vgenkckn & 380 013

2 Jh Hkxr flaag v/;{kvaMeku ,oa fudksckj jkT; lgdkjh cSad e;kZfnr98 ekSykuk vktkn jksMiksVZ Cys;j & 744 101

3

4 v#.kkpy çns'k jkT; lgdkjh “kh’kZ cSad e;kZfnrih-vks- vkSj VhA ugjykxqu] Mh lsDVjtujy vLirky ds ikl] ugjykxqu 791 110

5 Jh xkSre cksjk] iwoZ fo/kk;d iwoZ ea=h@vle

v/;{kvle jkT; lgdkjh “kh’kZ cSad e;kZfnrvisDl cSad fcfYMax] gse c:vk iFk] iku cktkjxqokgkVh & 781 001

6 Jh jes'k pUæ pkScs v/;{kfcgkj jkT; lgdkjh cSad e;kZfnrv'kksd jktiFkiVuk 800 004

7 paMhx<+ jkT; lgdkjh cSad e;kZfnr,l-lh-vks- 1088&89] lsDVj 22chpaMhx<+ & 160 022

8 NÙkhlx<+ jkT; lgdkjh cSad e;kZfnrbafnjk xka/kh okf.kfT;d ifjljih vks iaMjhjk;iqj & 492 00

9 M‚ fctsUæ flag] iwoZ fo/kk;d v/;{kfnYyh jkT; lgdkjh cSad e;kZfnr31 usrkth lqHkk"k ekxZ] nfj;kxatubZ fnYyh 110 002

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dz adz a lnL; dk ukelnL; dk uke ,llhch dk uke,llhch dk uke

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11 gfj;k.kk jkT; lgdkjh 'kh"kZ cSad e;kZfnr,l-lh- vks- Ø - 78&80] cSad pkSd] lsDVj 17&ch]paMhx<+ 160 017

12 Jh [kq”kh jke cyukFk] iwoZ fo/kk;d v/;{kfgekpy çns'k jkT; lgdkjh cSad e;kZfnruacj 1 cSad fcfYMax] 2 ry] nh e‚yf'keyk & 171 001

13 Jh ,e-,l-nkj v/;{ktEew&d'ehj jkT; lgdkjh cSad e;kZfnr' 'vFkokl xg ] flYd QSDVjh lM+djkt ckxJhuxj & 190 008

14 Jh ds,u jktUuk] iqoZ fo/kk;d v/;{kdukZVd jkT; lgdkjh “kh’kZ cSad e;kZfnr" "mÙkqax ] uacj 1 iaik egkdfo lM+dpkejktisVcSaxyw# & 560 018

15 dsjy jkT; lgdkjh cSad e;kZfnr' 'dkscSad VkolZ ] fodkl Hkouih vks iy;e] fr#ouariqje & 695 033

16 e/; çns'k jkT; lgdkjh cSad e;kZfnrcgqeaftyh bekjr] Vh -Vh- uxj] U;w ekdsZVHkksiky 462 003

17 Jh fo|k/kj vukldj iz”kkldegkjk"Vª jkT; lgdkjh cSad e;kZfnr9 egkjk"Vª psacj v‚Q d‚elZQksVZ] eqacbZ 400 023

18 ef.kiqj jkT; lgdkjh cSad e;kZfnrfo/kkulHkk jksM]bEQky 795 001

19 Jh ekflZuk fle v/;{kes?kky; jkT; lgdkjh “kh’kZ cSad e;kZfnr,isDl cSad fcfYMax] ,e-th- lM+df'kykax 793001

20 Jhefr Vh- ykYeqokiqbZ v/;{kfetksje jkT; lgdkjh “kh’kZ cSad e;kZfnr2 ry] ds-Vh-dqEgks fcfYMaxcktkj cqaxd‚u] vkbtksy & 796 001

21 ukxkySaM jkT; lgdkjh cSad e;kZfnrç'kklfud Hkou] [ksjegy],p- vks- nhekiqjnhekiqj 797 112

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

NAFSCOB

iii

22 Jh v{k; dqekj eksgarh v/;{kvksfM'kk jkT; lgdkjh cSad e;kZfnriafMr tokgj yky usg: ekxZHkqous'oj & 751 001

23 ikafMpsjh jkT; lgdkjh cSad e;kZfnr204 bZ-lh-jksM ¼100 QhV jksM½ vksyafMdsjsiyk;e]eqnfy;kjisV] iqMqpsjh & 605 004

24 Jh gjchj banj flag funs'kdiatkc jkT; lgdkjh cSad e;kZfnr,llhvks uacj - 175&187] lsDVj 34&,]paMhx<+ 160 022

25 Jh vHk; dqekj] vkbZ,,l] ç'kkld]jktLFkku ]Mhlhlkeus] Vksad jksM] t;iqj 302 015

&1] ykydksBh “k‚fiax lsaVj] usg: ckyks|ku dsjkT; lgdkjh cSad e;kZfnr

26 Jh vk;-ch-jk;] iwoZ fo/kk;d] iwoZ ea=hflfDde

v/;{kflfDde jkT; lgdkjh cSad e;kZfnrjk"Vªh; jktekxZ No -31&, esVªks i‚baV ds ikl

27 rfeyukMq jkT; lgdkjh “kh’kZ cSad e;kZfnr4] usrkth lqHkk"k cksl jksM] psUubZ 600 001

28 Jh dksaMq# jfoanj jko v/;{krsyaxkuk jkT; lgdkjh “kh’kZ cSad e;kZfnrM‚ okbZ-,l- jkt'ks[kj jsìh lgdkj Hkou4&1&441 lsuk cktkjgSnjkckn & 500 001

29 f=iqjk jkT; lgdkjh cSad e;kZfnrvewY; ekdsZV] f}rh; ry] pkSeksgkuh] ea=hckjh jksMvxjryk 799001

30 mÙkj çns'k jkT; lgdkjh cSad e;kZfnr2] ,e-th- jksM] y[kuÅ & 226 001

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32 if'pe caxky jkT; lgdkjh cSad e;kZfnr24&,] okVjyw LVªhVdksydkrk 700 069

rkn‚Ux & 737 102

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31-03-2019 dh fLFkfr31-03-2019 dh fLFkfr

iv

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

Jh fnyhi la?kkuh ] iwoZ lkaln iwoZ/ea=h] xqtjkrv/;{k] uS¶ldkWc

funs'kdxqtjkr jkT; lgdkjh cSad e;kZfnrljnkj oYyHkHkkbZ iVsy lgdkj Hkou'kkL=huxj chvkjVh,l cl LVSaM ds ikl] vadqj jksM]ukj.kiqjk] vgenkckn & 380 013

Jh Hkxr flaag v/;{kvaMeku ,oa fudksckj jkT; lgdkjh cSad e;kZfnr98 ekSykuk vktkn jksMiksVZ Cys;j & 744 101

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v/;{kvka/kz çns'k jkT; lgdkjh cSad e;kZfnr27&29&28] ,u Vh vkj] lgdkj HkouxOguZj ] fot;okMk & 520 002isBvka/kzizns”k

4 Jh xkSre cksjk] iwoZ fo/kk;d]iwoZ ea=h vle]mik/;{k uS¶ldkWc

v/;{kvle jkT; lgdkjh “kh’kZ cSad e;kZfnrvisDl cSad fcfYMax] gse c:vk iFk] iku cktkjxqokgkVh & 781 001

5 Jh jes'k paæ pkScsmik/;{k] uS¶ldkWc

v/;{k]fcgkj v'kksd jktiFkjkT; lgdkjh cSad e;kZfnriVuk 800 004

6 M‚ fctsUæ flag] iwoZ fo/kk;d v/;{kfnYyh jkT; lgdkjh cSad e;kZfnr31 usrkth lqHkk"k ekxZ] nfj;kxatubZ fnYyh 110 002

7 Jh [kq'kh jke cyukFk] iwoZ fo/kk;d]mik/;{k] uS¶ldkWc

v/;{k]fgekpy çns'k jkT; lgdkjh cSad e;kZfnruacj 1] cSad fcfYMax] nwljh eaftyn e‚y] f'keyk & 171 001

8 Jh ,e-,l-nkj v/;{ktEew&d'ehj jkT; lgdkjh cSad e;kZfnr' 'vFkokl xg ] flYd QSDVjh lM+djkt ckxJhuxj & 190 008

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9 Jh ds,u jktUuk] iwoZ fo/kk;dmik/;{k] uS¶ld‚c

v/;{kdukZVd jkT; lgdkjh “kh’kZ cSad e;kZfnr" "mÙkqax ] uacj 1 iaik egkdfo lM+dpejktisVcsaxywj & 560 018

10 Jh fo|k/kj vukLdj ]mik/;{k]uS¶ld‚c

ç'kkldegkjk"Vª jkT; lgdkjh cSad e;kZfnr9] egkjk"Vª psacj v‚Q d‚elZ ysuQksVZ] eqacbZ & 400 001

11 Jh ekflZuk fle v/;{kes?kky; jkT; lgdkjh “kh’kZ cSad e;kZfnr,isDl cSad fcfYMax] ,e-th- lM+df'kykax 793001

12 Jherh Vh-ykyequiwbZ v/;{kfetksje jkT; lgdkjh “kh’kZ cSad e;kZfnrf}rh; ry] ds Vh- dqek fcfYMaxcktkj caxd‚u],stkoy & 796001

13 Jh v{k; dqekj eksgarh v/;{kvksfM'kk jkT; lgdkjh cSad e;kZfnriafMr tokgj yky usg: ekxZHkqous'oj & 751 001

14 Jh gjchj banj flag funs'kdiatkc jkT; lgdkjh cSad e;kZfnr,llhvks la[;k 175&187] lsDVj &34&,]paMhx<+ & 160 022

15 Jh dksaMq# jfoanj jko v/;{krsyaxkuk jkT; lgdkjh “kh’kZ cSad e;kZfnrM‚ okbZ-,l- jkt'ks[kj jsìh lgdkj Hkou4&1&441 lsuk cktkjgSnjkckn & 500 001

16 Jh nku flag jkor

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v/;{kmÙkjk[kaM jkT; lgdkjh cSad e;kZfnriz”kklfud Hkou] iz/kku dk;kZy;] gYnokuh ljl

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v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh] lnL; jkT; lgdkjh cSaddh fLFkfr31 ekpZ] 2019( )

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3 v#.kkpy çns'k ,llhch] ukgjyxqu Jh gScax yEiqax] v#- ç- yks- lsok- ¼,th½ Jh Rlsfjax FkksaXnksd

4 vle ,llhch] xqokgkVh M‚ fgekar fo'o lekZ Jh 'k'kkad 'ks[kj 'kkL=h

5 fcgkj ,llhch] iVuk Jh jes'k paæ pkScs Jh paæ'ks[kj flag

6 paMhx<+ ,llhch] paMhx<+ Jherh —fr xxZ ¼ Hkk- ç- ls½ Jh xqjcpu flag

7 NÙkhlx<+ ,llhch] jk;iqj & Jh ,p-ds-ukxnso

8 fnYyh ,llhch] ubZ fnYyh M‚ fctsUæ flag] iwoZ fo/kk;d Jherh vuhrk jkor

9 xksok ,llhch] i.kth Jh oh ch çHkq osysZdj Jh vuar ,e pksMudj ¼çHkkjh½

10 xqtjkr ,llhch] vgenkckn Jh vt;HkkbZ ,p iVsy Jh çnhi ,e oksjk

11 gfj;k.kk ,llhch] paMhx<+ Jh xqy'ku HkkfV;k Jh eukst dqekj caly

12 fgekpy çns'k ,llhch] f'keyk Jh [kq'khjke cyukFk ] iqoZ fo/kk;d M‚- iadt yfyr] ,p,,l

13 tEew&d'ehj ,llhch] Jhuxj Jh ,e ,l Mkj Jh eksgEEn yrhQ Mkj

14 dukZVd ,llhch] cSaxyksj Jh ds- ,u- jktkUuk] iqoZ fo/kk;d M‚-ds lh ;rh'k dqekj] d- jk- ç- ls-

15 dsjy ,llhch] fr#ouariqje Jh oh luy dqekj] Hkk- ç- ls Jh bZ nsonklu] Hkk- ç- ls

16 e/; çns'k ,llhch] Hkksiky Jh jekdkar HkkxZo Jh çnhi uh[kjk ¼ çHkkjh½

17 egkjk"Vª ,llhch] eqacbZ Jh fo|k/kj vukldj M‚ , vkj ns'keq[k ¼çHkkjh½

18 ef.kiqj ,llhch] bEQky Jh ds-,p- [kack flag M‚ jatu ;eue] e- yks- vk-

19 es?kky; ,llhch] f'kykax Jh ,e L;bZe Jh vks- bZ- ts- uvksaXczh

*

*

*

*

*

*

*

*

*

v/;{k@pS;jeSu@pS;jilZu@fo'ks”kvf/kdkjh@iz'kkld

v/;{k@pS;jeSu@pS;jilZu@fo'ks”kvf/kdkjh@iz'kkld

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

Ø-la- jkT; lgdkjh cSadjkT; lgdkjh cSadv/;{k@pS;jeSu@pS;jilZu@fo'ks”k

vf/kdkjh@iz'kkldv/;{k@pS;jeSu@pS;jilZu@fo'ks”k

vf/kdkjh@iz'kkldeq[; dk;Zdkjh vf/kdkjheq[; dk;Zdkjh vf/kdkjh

vii

NAFSCOB

v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh lnL; jkT; lgdkjh cSaddh fLFkfr31 ekpZ] 2019( )

v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh lnL; jkT; lgdkjh cSaddh fLFkfr31 ekpZ] 2019( )

***funs'kd eaMyAlg pqus funZs'kdA

20 fetksje ,llhch] vkbtksy Jherh Vh- ykYeqviqbZ Jh ykytqfyvkuk

21 ukxkySaM ,llhch] nhekiqj Jh VsEtsu r‚; ]Hkk-ç-ls Jh vkj- fyiksdksrksc ,;j

22 mM+hlk ,llhch] Hkqous'oj Jh v{k; dqekj eksgarh Jh MscsUækdqekj tsuk] Hkk- ç- ls

23 ikafMpsjh ,llhch] ikafMpsjh Jherh bZ oYyou fr# ,u- oh- HkkLdju

24 iatkc ,llhch] paMhx<+ ---------------------------------- M‚ ,l- ds- ckfr'k

25 jktLFkku ,llhch] t;iqj Jh vHk; dqekj] Hkk-ç-ls- Jh banj flag

26 flfDde ,llhch] xaxVksd Jh vkbZch jko] iwoZ fo/kk;d Jherh isek psUtkse

27 rfeyukMq ,llhch] psUubZ --------------------------------- fFk# ch- ckykeq#xu

28 rsyaxkuk ,llhch] gSnjkckn Jh dksaMq# jfoanj jko M‚ usFkh eqjyh/kj

29 f=iqjk ,llhch] vxjryk Jh ch-ds- lkgw Hkk-ç-ls Jh vi.kZ nsccekZ

30 mÙkj çns'k ,llhch] y[kuÅ Jh rstohj flag Jh Hkwisaæ dqekj

31 mÙkjk[kaM ,llhch] gY}kuh Jh nku flag jkor Jh nhid dqekj

32 if'pe caxky ,llhch] dksydkrk MkW ,e- oh- jko] Hkk- ç- ls- Jh euflt eq[kksik/;k;

*

*

**

*

viii

Ø- fooj.k i`"B la[;k

1- çLrkouk 1

2- vkfFkZd ifjos'k

3- o"kZ 2015&16 ls 2018&19 rd —f"k mRiknu

4- o"kZ 2019&20 ds fy;s dsaæh; ctV

5- Hkkjr ljdkj&y?kq&vkof/kd lgdkjh _.k vkSj cSafdax {ks= gsrq igy

6- Hkkjrh; fjtoZ cSad&ekSfnzd vkSj _.k uhfr ,oa vU; cSafdx&laca/kh midz e&2018&19

7- jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ¼ukckMZ½&uhfr vkSj vU; igysaa y?kq vof/k ds xzkeh.klgdkjh _.k laLFkkvksa ds fy, & 2018&19

8- y?kq vkof/kd lgdkjh lk[k laLFkkvksa ¼,lVhlhlhvkbZ½ dh izxfr ,oa izn’kZu%

9- jk”Vhª ; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½

10- ;kstuk] vuqla/kku vkSj fodkl ¼ihvkjMh½ lsy% ¼uS¶ldkWc½

11- uS¶ldkWc }kjk lEesyu] laxksf"B;k¡] dk;Z'kkyk;sa] xksy est lEokn] lHkk,¡] vkfn

12- xzkeh.k lgdkjh _.k vkSj cSafdax dk tuZy^ 48

13- esa dEI;wVjhdj.k

14- }kjk çfrfuf/kRo vkSj lgHkkfxrk

15- ys[kk vkSj foÙk%

16- vkHkkj

ifjf'k"V

1

1&2

2&6

6&8

8&10

10&24

24&28

28&45

45&46

46&48

48

49&52

52&55

56

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

57&74

Ø- fooj.k i`"B la[;k

jk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnrjk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnruoh eqEcbZuoh eqEcbZ

56okWa okf”kZd fjiksVZ56okWa okf”kZd fjiksVZ2018 2019-2018 2019-

fo"k;&oLrq

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

ifjf'k”V dh lwphifjf'k”V dh lwph

i`”B la[;ki`”B la[;kifjf'k”V dk fooj.kifjf'k”V dk fooj.kØ-la-

ix

NAFSCOB

ifjf'k"V & 1 d`f”kmRiknu&,d utj esa 2015&16 ls 2018&19 57

ifjf'k"V & 2 o”kZ 1935 ls cSad nj dh fLFkfr 58&59

ifjf'k"V & 3 udn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr tqykbZ 1935 ls

ifjf'k"V & 4 o”kZ 2018&19 ds nkSjku ,l-Vh¼,l,vksa½] ,lVh&cqudjksa] ,eVh¼varj.k½ dh jkT;okj Lohd`fr vkSj mi;ksfxrk 65

ifjf'k"V & 5 lgdkjh fodkl dks”k&31 ekpZ] 2019 rd lgdkjh lk[k laLFkkvksa dks Lohd`r lgk;rk 66

ifjf'k"V & 6 fdlku dzs fMV dkMZ&izxfr&2018&19 67

ifjf'k"V & 7 fdlku dzs fMV dkMZ&’kq:vkr ls ,tsalh okj lap;h izxfr 2018&19 68

ifjf'k"V & 8 2017&18 dh rqyuk esa 2016&17 ds nkSjku jkT; lgdkjh cSadks dk dk;Z fu”iknu&lakf[;dh izLrqrhdj.k 69

ifjf'k"V &9 2017&18 dh rqyuk esa 2016&17 ds nkSjku ftyk e/;orhZ lgdkjh cSadks dk dk;Zfu”iknu 70

ifjf'k"V &10 2017&18 dh rqyuk esa 2016&17 ds nkSjku izkFkkfed d`f”k _.k lfefr;ksa dk dk;Zfu”iknu 71

& 11 uS¶ldkWc dks d`f”k ea=ky;] Hkkjr ljdkj }kjk vuqnku lgk;rk 72&73

ifjf'k"V & 12 uS¶ldkWc izacU/k funs’kd vkSj vf/kdkjh ¼31&03&2019 ds vuqlkj½ 74

60&64

ifjf'k"V

ifjf'k"V & 1 d`f”kmRiknu&,d utj esa 2015&16 ls 2018&19 57

ifjf'k"V & 2 o”kZ 1935 ls cSad nj dh fLFkfr 58&59

ifjf'k"V & 3 udn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr tqykbZ 1935 ls

ifjf'k"V & 4 o”kZ 2018&19 ds nkSjku ,l-Vh¼,l,vksa½] ,lVh&cqudjksa] ,eVh¼varj.k½ dh jkT;okj Lohd`fr vkSj mi;ksfxrk 65

ifjf'k"V & 5 lgdkjh fodkl dks”k&31 ekpZ] 2019 rd lgdkjh lk[k laLFkkvksa dks Lohd`r lgk;rk 66

ifjf'k"V & 6 fdlku dzs fMV dkMZ&izxfr&2018&19 67

ifjf'k"V & 7 fdlku dzs fMV dkMZ&’kq:vkr ls ,tsalh okj lap;h izxfr 2018&19 68

ifjf'k"V & 8 2017&18 dh rqyuk esa 2016&17 ds nkSjku jkT; lgdkjh cSadks dk dk;Z fu”iknu&lakf[;dh izLrqrhdj.k 69

ifjf'k"V &9 2017&18 dh rqyuk esa 2016&17 ds nkSjku ftyk e/;orhZ lgdkjh cSadks dk dk;Zfu”iknu 70

ifjf'k"V &10 2017&18 dh rqyuk esa 2016&17 ds nkSjku izkFkkfed d`f”k _.k lfefr;ksa dk dk;Zfu”iknu 71

& 11 uS¶ldkWc dks d`f”k ea=ky;] Hkkjr ljdkj }kjk vuqnku lgk;rk 72&73

ifjf'k"V & 12 uS¶ldkWc izacU/k funs’kd vkSj vf/kdkjh ¼31&03&2019 ds vuqlkj½ 74

60&64

ifjf'k"V

1

jk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr] uoh eqEcbZjk”Vªh; jkT; lgdkjh cSad egkla?k e;kZfnr] uoh eqEcbZ

56okWa okf”kZd fjiksVZ56okWa okf”kZd fjiksVZ2018 2019-2018 2019-

1- izLrkouk %

2- vkfFkZd ifjos'k

3- o"kZ 2015&16 ls 2018&19 rd —f"k mRiknu %

d`f”k] varfje ctV uhfr 2019&20 ,oa Hkkjr ljdkj ds fofHkUu midz eksa ds lkFk&lkFk ns’k ds lexz vkfFkZd

okrkoj.k dk lkj fy, jk”Vªh; jkT; lgdkjh cSad egkla?k] e;kZfnr ¼ ½ o”kZ 2018&19 gsrq viuk 56 okf”kZd izfrosnuizLrqr djrk gSA Hkkjrh; fjtoZ cSad ,oa ukckMZ ds fofu;eu] fodklkRed] iqufoZr ,oaa fujh{k.kkRed eqn~nksa ds {ks=ksa esa egRoiw.kZuhfrxr igyksa dh x.kuk gks pqdh gS ,oa rRlaca/kh ifji=ksa dks okf”kZd izfrosnu ds nks vyx&vyx [kaMksa esa foLr`r :Ik ls m/n`rfd;k x;k gSA lkFk gh] y?kq vkof/kd lgdkjh lk[k lajpuk esa egRoiw.kZ ?kVukdz e] dh igysa ,oa var esa dk2018&19 vizSy 01] 2018 ls ekpZ 31] 2019 ds njE;ku dk dk;Z fu”iknu bl izfrosnu esa gekjs lnL;ksa ds voyksdu gsrq izLrqrfd;k x;kA

ljdkj us lkoZtfud {ks= ds cSadksa dh rqyu i= ¼cSysal 'khV½ dks etcwr djus ds fy, ,d cM+s iquiwaZthdj.k iSdst ¼ldy?kjsyw mRikn dk yxHkx 1-2 çfr'kr½ dh ?kks"k.kk dh A dsaæh; lkaf[;dh dk;kZy; ¼lh,lvks½ }kjk tkjh thMhih ds vfxze vuqekuksaesa] cktkj dh fujarj dherksa ij thMhih dh o`f) nj 2017& 18 esa 6-75 çfr'kr ls 2018&19 esa 7-2 çfr'kr gqbZ gS A fiNys o"kZ esacM+s lq/kkj gq, gSa A u, Hkkjrh; fnokyk vkSj 'kks/ku v{kerk lafgrk us ,d ,slk ladYi <kapk çnku fd;k gS tks fuxeksa dks viuh cSysal'khV dks lkQ djus vkSj muds _.k dks de djus esa enn djsxkA ysfdu Hkkjr esa jkT;ksa vkSj cktkjksa dh Hkwfedk Li"V u gksus dsdkj.k Hkkjr vfuf'prrk ds {ks= esa gSA ljdkj ¼dsaæ vkSj jkT;ksa½ dh {kerk lhfer gksus ds dkj.k LokLF; vkSj f'k{kk tSlh vko';dlsok,¡ çHkkfor gksrh gSaA lkFk gh] çkS|ksfxdh vkSj ^tSe* ¼tu /ku&vk/kkj&eksckby½ dh 'kq:vkr] tks ;wfuQkbM isesaV~l baVjQsl }kjkc<+kbZ xbZ gS ] bl rjg dh {kerk esa egRoiw.kZ lq/kkj dh {kerk j[krk gSA ;s lHkh mik; Hkkjr dks nqfu;k dh lcls rsth ls c<+rh çeq[kvFkZO;oLFkk ds :i esa fQj ls LFkkfir djus esa enn dj ldrs gSaA

—f"k esa o`f) dh vfuf'prrkvksa dks bl rF; ls le>k;k tkrk gS fd Hkkjr esa 50 çfr'kr ls vf/kd —f"k o"kkZ ij fuHkZj gS tksmRiknu tksf[ke dks c<+krh gSA gkykafd] fgLls esa fxjkoV jkstxkj] vkthfodk vkSj [kk| lqj{kk esa bl {ks= ds egRo dks de ughadjrk gSA o"kZ 2018&19 ds nkSjku dqy ldy ?kjsyw mRikn ¼thMhih½ esa —f"k dk fgLlk 15-87 çfr'kr FkkA —f"k vkSj lac) {ks=ksa usØe'k% 2018&19 vkSj 2017&18 esa 3-8 çfr'kr vkSj 3-4 çfr'kr o`f) ntZ dh ¼igyk vfxze vuqeku½A 28 Qjojh 2019 dks tkjh

dsUnzh;

uS¶ldkWc

uS¶ldkWc uS¶ldkWc¼ ½

okWa

1- izLrkouk %

2- vkfFkZd ifjos'k

3- o"kZ 2015&16 ls 2018&19 rd —f"k mRiknu %

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

2

f}rh; vfxze vuqeku ¼,bZ½ ds vuqlkj 2018&19 ds nkSjku [kk|kUu mRiknu] 281-37 fefy;u Vu vuqekfur gS tks fd 2017&18 lsyk[k Vu mRiknu ds nkSjku fefy;u Vu ls vf/kd gksus dh mEehn gSA- vafre vuqekuksa ds vuqlkj] 2017&18 ds nkSjku[kk|kUu dk mRiknu 277-49 fefy;u Vu ¼pkoy 111-01 fefy;u Vu vkSj xsgw¡ 97-11 fefy;u Vu½ jgsxk ] tcfd 2016&17 esa ;gh275-11 fefy;u Vu ¼109-70 fefy;u Vu pkoy vkSj ½ Fkk A 2018&19 esa nkyksa dk mRiknu 24-02 fefy;u Vu] xUuk 3808-34yk[k Vu] frygu 315-02 yk[k Vu vkSj dikl 30-08 fefy;u xkaB 170 fdyks vuqekfur gSA —f"k mRiknu dk fooj.k &ls ¼f}rh; vfxze vuqeku½ tSlk fd —f"k ea=ky;] Hkkjr ljdkj }kjk çnku fd;k x;k gS] ifjf'k"V &1 esa fn;k x;kgSA

o"kZ 2019&20 ds fy, varfje dsaæh; ctV varfje dsaæh; foÙk ea=h vkSj dsaæh; jsy] dks;yk vkSj d‚iksZjsV ekeyksa ds ea=hJh ih;w"k xks;y }kjk 01 Qjojh 2019 dks laln esa çLrqr fd;k x;k FkkA

vius ctV Hkk"k.k esa] varfje dsaæh; foÙk ea=h us dgk fd Þ2022 rd û, Hkkjr* dks lkdkj djus dh fn'kk esa geus dnec<+k;k gS] tc ge Hkkjr dh vktknh ds 75 lky euk,axs rc ,d ,slk Hkkjr tks LoPN vkSj LoLFk gks] tgka gj fdlh ds ikl ,d ?kjgksA 'kkSpky;] ikuh vkSj fctyh lHkh rd igqap tk,] tgka fdlkuksa dh vk; nksxquh gks] ;qokvksa vkSj efgykvksa dks vius lius iwjsdjus ds i;kZIr volj feysa] vkradokn] lkaçnkf;drk] tkfrokn] Hkz"Vkpkj vkSj HkkbZ&Hkrhtkokn ls eqä Hkkjr gks A ß blds vykok]

mUgksaus ;g Hkh dgk fd 2013&14 esa Hkkjr nqfu;k dh 11 lcls cM+h vFkZO;oLFkk Fkh] vkt Hkkjr nqfu;k esa 6 lcls cM+s LFkku ij gSA

varfje dsaæh; foÙk ea=h us ckjg vyx&vyx fo"k;ksa ds rgr varfje ctV çLrko is'k fd,A

¼ ½ fdlku dh çxfr vkSj vk; esa o`f)]¼ ½ Je vkSj Jfedksa dh xfjek]¼ ½ efgykvksa dk fodkl ls ysdj efgykvksa ds usr`Ro esa fodkl¼ ½ viuh {kerk dks iwjk djus ds fy, ;qokvksa dks l'kä cukuk]¼ ½ l'kä lw{e] y?kq vkSj e/;e m|e vkSj O;kikjh¼ ½ j{kk vkSj jk"Vªh; lqj{kk dks etcwr cukuk¼ ½ cqfu;knh <kapk fodkl]¼ ½ fMftVy bafM;k Økafr]¼ ½ djnkrkvksa dks ykHk igqapkus ds fy, çR;{k dj ç.kkyh dk ljyhdj.k]¼ ½ miHkksäkvksa vkSj O;olk;ksa dks ykHk ds fy, th,lVh lq/kkj]¼ ½ jktdks"kh; dk;ZØe 2019&20 vkSj vkxs¼ ½ dj çLrkoA

3-88

xsgw¡2015&16

2018&19 rd

4- dsanzh; ctV 2019&20

oha osa

i

ii

iii

iv

v

vi

vii

viii

ix

x

i

ii

x

x

4- dsanzh; ctV 2019&20

NAFSCOB

3

v- ctV 2019&20 dh fo”ks'krk,¡-

fdlku dh çxfr vkSj vk; esa o`f)]

1 ç/kkuea=h fdlku lEeku fuf/k

i'kqikyu vkSj eRL; ikyu %

I.

) (PM-KISAN)

2)

y?kq vkSj lhekar fdlkuksa dks ,d lqfuf'pr vk; lgk;rk çnku djus ds fy,] ljdkj ,d ,sfrgkfld dk;ZØe'kq: dj jgh gS] ftldk uke gS Þç/kkuea=h fdlku lEeku fuf/k;kstuk ds varxZr nks gsDVsj rd dh tksr okys lHkh lhekar fdlku ifjokjksa dks çfr o"kZ 6000 #i;s dh çR;{kvk; lgk;rk çnku dh tk,xhA;g lgk;rk 2000 #i;s dh rhu cjkcj fdLrksa esa ykHkkFkhZ fdlku ds cSad esa lh/ks gLrkarfjr dj nhtk,axhAbl dk;ZØe dks Hkkjr ljdkj }kjk foÙk iksf"kr fd;k tk,xkblls 12 djksM+ NksVs vkSj lhekar fdlku ifjokjksa dks ykHk feyus dh mEehn gSAdk;ZØe 1 fnlacj 2018 ls çHkkoh fd;k tk,xk vkSj 31 ekpZ 2019 rd dh vof/k ds fy, igyh fdLr dkHkqxrku bl o"kZ ds nkSjku fd;k tk,xkA bl dk;ZØe ls 75]000 djksM+ dk okf"kZd O;; gksxkAfoÙk o"kZ 2019&20 ds fy, # -75]000 djksM+ dk ifjO;; çLrkfor gSA

jk"Vªh; xksdqy fe'ku ds fy, vkoaVu dks c<+kdj 750 djksM+ #i;s fd;k x;kAxÅ lalk/kuksa ds vuqokaf'kd mUu;u vkSj xk;ksa ds mRiknu vkSj mRikndrk dks LFkk;h :i ls c<+kus ds fy,jk"Vªh; dke/ksuq vk;ksx cuk;k tk,xkA vk;ksx xk;ksa ds fy, dkuwuksa vkSj dY;k.kdkjh ;kstukvksa ds çHkkohdk;kZUo;u dh vksj Hkh ns[ksxkAeNqvkjksa ds dY;k.k ds fy, vyx eRL; ikyu foHkkx cuk;k tk,xkAdsaæh; ljdkj }kjk i'kqikyu vkSj eNyh ikyu dk;ksaZ esa yxs mu fdlkuksa dks çfr'kr C;kt lfClMh dk ykHknsus dk çLrko gS tks fdlku ØsfMV dkMZ ds ek/;e ls _.k çkIr djrs gSaA blds vfrfjä _.k dk le; ijHkqxrku djus ij mUgsa çfr'kr vfrfjä C;kt lfClMh feysxhAdsaæh; ljdkj us fu.kZ; fy;k gS fd çk—frd vkinkvksa ls cqjh rjg çHkkfor lHkh fdlkuksa dks tgka lgk;rkjk"Vªh; vkink jkgr dks"k ¼,uMhvkj,Q½ ls miyC/k djkbZ tk jgh gks] çfr'kr C;kt NwV dk ykHk miyC/kdjk;k tk,xk vkSj muds _.kksa dh iqu% vuqlwfpr iwjh vof/k ds fy, çfr'kr rRdky iqu% Hkqxrku çksRlkgu Hkhfn;k tk,xkA

�

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(PM-KISAN)”

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2

3

23

v- ctV 2019&20 dh fo”ks'krk,¡-

fdlku dh çxfr vkSj vk; esa o`f)]

1 ç/kkuea=h fdlku lEeku fuf/k

i'kqikyu vkSj eRL; ikyu %

I.

) (PM-KISAN)

2)

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

4

ii.

iii.

Je vkSj Jfedksa dh xfjek]ç/kkuea=h Je&;ksxh eku/ku

j{kk vkSj jk"Vªh; lqj{kk dks etcwr cukuk %

cqfu;knh <kaps dk fodkl%

2019&20 vkSj mlds ckn ds o"kksaZ ds fy, jktdks"kh; dk;ZØe%

1)

iv)

v)

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ljdkj dk 15]000 #i;s rd dh ekfld vk; okys vlaxfBr {ks= ds dkexkjksa ds fy, ç/kkuea=h Je&;ksxheku/ku isa'ku ;kstuk 'kq: djus dk çLrko gSAdkedkth mez ds nkSjku NksVh lLrh jkf'k ds ekfld ;ksxnku ij ;g isa'ku ;kstuk mUgsa 60 o"kZ dh vk;q ls # -3]000 dh vuqekfur ekfld isa'ku çnku djsxhA29 lky dh mez esa isa'ku ;kstuk esa 'kkfey gksus okys ,d vlaxfBr {ks= ds Jfed dks 60 o"kZ dh vk;q rd çfrekg dsoy #-100 dk ;ksxnku djuk gksxkA18 lky dh mez esa isa'ku ;kstuk esa 'kkfey gksus okys ,d dk;ZdrkZ dks çfr ekg dsoy #- 55 ftruk ;ksxnkudjuk gksxk;kstuk ds fy, 500 djksM+ #i;s dh jkf'k vkoafVr dh xbZ gSA

dsaæ ljdkj us gekjh lhekvksa dks lqjf{kr djus vkSj mPpre :i ls lqlTt jgus ds fy, 2019&20 esa j{kk vkSjjk"Vªh; lqj{kk ds fy, #-3]00]000 djksM+ dh ?kks"k.kk dhA ;fn vko';drk iM+s rks vfrfjä /kujkf'k çnku dhtk,xhA

jsyos ds fy, iwathxr O;; 64]587 djksM+ #i;s dk gSA tcfd lexz iwathxr O;; dk;ZØe 1]58]658 djksM+#i;s dk gS ifjpkyu vuqikr 2017&18 esa 98-4 ls 2018&19 ¼la'kksf/kr vuqeku½ esa 96-2 vkSj 2019&20¼ctV vuqeku ½ esa 95 rd lq/kkj gksus dh mEehn gSAiwoksZÙkj {ks= ds fy, vkoaVu dks ctVh; vuqeku 2018&19 dh rqyuk esa 21 çfr'kr c<+kdj ctVh; vuqeku2019&20 esa 58]166 djksM+ #i;s fd;k x;k gSA

dqy O;; o"kZ 2018&19 ds la'kksf/kr vuqeku ds 24]57]235 djksM+ #i;s ls c<+dj o"kZ 2019&20 ds ctV vuqekuesa 27]84]200 djksM+ #i;s gks x;k tks 3]26]965 djksM+ #i;s vFkok yxHkx 13-30 çfr'kr dh o`f) n'kkZrk gSAo"kZ 2019&20 ds ctV vuqeku ds fy, iwathxr O;; 3]36]292 djksM+ #i;s jgus dk vkdyu fd;k x;k gSA

%

%

%

ii.

iii.

Je vkSj Jfedksa dh xfjek]ç/kkuea=h Je&;ksxh eku/ku

j{kk vkSj jk"Vªh; lqj{kk dks etcwr cukuk %

cqfu;knh <kaps dk fodkl%

2019&20 vkSj mlds ckn ds o"kksaZ ds fy, jktdks"kh; dk;ZØe%

1)

iv)

v)

NAFSCOB

5

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o"kZ 2019&20 ds ctV vuqeku esa dsUæ çk;ksftr ;kstukvksa ¼lh,l,l½ ds fy, 3]27]679 djksM+ #i;s vkoafVrdjus dk çLrko gS] tcfd o"kZ 2018&19 ds la'kksf/kr vuqeku esa ;g vkadM+k 3]04]849 djksM+ #i;s FkkAjk"Vªh; f'k{kk fe'ku ds fy, vkoaVu o"kZ 2018&19 ds la'kksf/kr vuqeku ds 32]334 djksM+ #i;s ls c<+kdj o"kZ2019&20 ds ctV vuqeku esa 38]572 djksM+ #i;s fd;k tk jgk gSA,dh—r cky fodkl ;kstuk ¼vkbZlhMh,l½ ds fy, vkoaVu dks Hkh o"kZ 2018&19 ds la'kksf/kr vuqeku ds 23]357djksM+ #i;s ls c<+kdj o"kZ 2019&20 ds ctV vuqeku esa 27]584 djksM+ #i;s fd;k tk jgk gSA

5 yk[k #i;s rd dh lkykuk vkenuh okys djnkrkvksa dks vc dj esa iwjh NwV feysxh vkSj mUgsa dksbZ vk;djugha nsuk gksxkAblds ifj.kkeLo:i ftu yksxksa dh dqy vkenuh 6-50 yk[k #i;s rd gS] mUgsa Hkh fdlh çdkj ds vk;dj dsHkqxrku dh t:jr ugha iM+sxh] ;fn os Hkfo"; fuf/k] fo'ks"k cprksa] chek vkfn esa fuos'k dj ysrs gSaAlkFk gh nks yk[k #i;s rd ds vkokl _.k ds C;kt] f'k{kk _.k ij C;kt] jk"Vªh; isa'ku ;kstuk esa ;ksxnku]fpfdRlk chek] ofj"B ukxfjdksa dh fpfdRlk ij gksus okys [kpZ vkfn tSlh vfrfjDr dVkSfr;ksa ds lkFk mPp vk;okys O;fä;ksa dks Hkh dksbZ dj ugha nsuk gksxk]blls Lo fu;ksftr] y?kq O;olk;] y?kq O;kikfj;ksa] osruHkksfx;ksa] isa'kujksa vkSj ofj"B ukxfjdksa lfgr e/;e oxZ dsdjhc 3 djksM+ djnkrkvksa dks djksa esa 18]500 djksM+ #i;s dk ykHk feysxkAosruHkksfx;ksa ds fy,] ekud dVkSrh dks orZeku 40]000 :i;s ls c<+kdj 50]000 :i;s fd;k tk jgk gSAblls 3 djksM+ osruHkksfx;ksa vkSj isa'ku/kkjdksa dks 4]700 djksM+ :i;s dk vfrfjDr dj ykHk feysxkA

cSad Mkd?kj esa tek jkf'k ij feyus okys C;kt ij VhMh,l lhek dks 10]000 :i;s ls c<+kdj 40]000 :i;sdjkus dk çLrko fd;k x;k gSA blls NksVs cprdrkZvksa vkSj xSj&dkedkth yksxksa dks ykHk feysxkANksVs djnkrkvksa dks jkgr nsus ds fy, fdjk;s ij dj dVkSrh ds fy, VhMh,l lhek dks 1]80]000:i;s ls c<+kdj 2]40]000 :i;s rd djus dk çLrko gSA

—f"k vkSj fdlku dY;k.k] vlaxfBr {ks= vkfn ls lacaf/kr ctV çLrkoksa dk fo'ys"k.k djus dk ç;kl fd;k x;k gSAge ç/kkuea=h fdlku lEeku fuf/k ¼ih,e&ds,l,,u½ dh dsaæ ljdkj dh ?kks"k.kk dk Lokxr djrs gSa] tksfdlkuksa dks 2 gsDVsj rd dh [ksrh ;ksX; Hkwfe ds fy, çfr o"kZ 6]000 #i;s dh nj ls çR;{k vk; lgk;rk çnkudjrh gSA

ge xk;ksa ds mRiknu vkSj mRikndrk dks c<+kus ds fy, jk"Vªh; dke/ksuq vk;ksx dh LFkkiuk dh dsaæ ljdkj

vi)

B)

dj çLrko%

ctV fo'ys"k.k %

/

" “

vi)

B)

dj çLrko%

ctV fo'ys"k.k %

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

6

dh ?kks"k.kk dh ljkguk djrs gSaAi'kqikyu vkSj eRL; ikyu dh xfrfof/k;ksa ds fy, fdlku ØsfMV dkMZ ds ek/;e ls _.k çkIr djus okysfdlkuksa dks 2 C;kt minku dk ykHk çnku djus ds dsaæ ljdkj ds çLrko dk ge Lokxr djrs gSage muds _.k ds iqufuZ/kkZj.k dh iwjh vof/k ds fy, 2 ds C;kt mi&ykHk vkSj 3 dh 'kh?kz iquHkqZxrkuçksRlkgu dk ykHk çnku djus ds fy, dsanz ljdkj dh igy dk Lokxr djrs gSaAge vlaxfBr {ks= ds 15]000 #i;s rd dh ekfld vk; okys esxk isa'ku ;kstuk vFkkZr

ç/kkuea=h Je&;ksxh eaFku ds 'kqHkkjaHk dk Lokxr djrs gSaA

vk;dj vf/kfu;e] 1961 dh /kkjk 80 ds rgr miyC/k NwV dh cgkyhAvYidkfyd lgdkjh _.k laLFkk,¡ LoLFk] O;ogk;Z vkSj lnL; ds fgrksa ds fglkc ls dk;Z djus ds fy, dnelqfuf'pr djukAlgdkjh _.k laLFkkuksa ds iqujks)kj ij VkLd QkslZ }kjk y?kq vof/k lgdkjh lk[k lajpuk A

ds fy, vuq'kaflriqu% iwathdj.k iSdst dh rtZ ij ftyk e/;orhZ lgdkjh cSadksa dks iquiwaZthdj.klgk;rkAC;kt vuqnku & leh{kk] lq/kkj vkSj iquxZBu dh vko';drk & Å/kZ~oxkeh la'kks/ku A—f"k _.k esa lgdkjh lfefr;ksa dh fgLlsnkjh c<+kus ds fy, jksMeSi dks ykxw djus dk leFkZuA2017&18 ds dsaæh; ctV esa ?kksf"kr izkFkfed d`f”k _.k lferh iSDl ds dEI;wVjhdj.k ds fy, mBk, x, dneA

vc] eq>s gky gh esa vkSj o"kZ 2018&19 ds nkSjku fofHkUu fodkl vkSj egRoiw.kZ igy ds lkFk&lkFk vYidkfyd lgdkjh_.k vkSj cSafdax {ks= vkSj vU; lgk;d fodkl esa ?kVukvksa ds lkeus j[kus dh vuqefr nsaA

—f"k vkSj fdlku dY;k.k ea=ky;] —f"k] lgdkfjrk vkSj fdlku dY;k.k foHkkx ¼lgdkfjrk foHkkx½ Hkkjr ljdkj ds voj

lfpo us muds vkns'k la[;k ,y &11013 &lhbZVh fnukad ebZ }kjk jk"Vªh; lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh½ds lkekU; fudk;] ftls xofuaZx dkmafly ds :i esa Hkh tkuk tk,xk] ds xBu ds fy, ljdkj dh vuqefr Kkfir dh A jk"Vªh;lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh½ vc lkslk;Vh iathdj.k vf/kfu;e] 1860 ds varxZr jftLVªkj v‚Q fQYEl ,aM lkslkbVht

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% %

Jfedksa ds fy,

¼ ½

3 201 30 2017

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o"kZ 2019&20 ds varfje dsaæh; ctV esa vYikof/k lgdkjh _.k <kaps ds lq–<+hdj.k ds fy, fuEufyf[kr ckrksa ij /;ku nsuk pkfg,Fkk %

5- Hkkjr ljdkj & y?kq vof/k lgdkjh _.k vkSj cSafdax {ks= ds fy, igy%

5-1- jk"Vªh; lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh ½ ds lkekU; fudk; ds xBu ds fo"k; esa Hkkjr ljdkj dk vkns'k %

½

/

o"kZ 2019&20 ds varfje dsaæh; ctV esa vYikof/k lgdkjh _.k <kaps ds lq–<+hdj.k ds fy, fuEufyf[kr ckrksa ij /;ku nsuk pkfg,Fkk %

5- Hkkjr ljdkj & y?kq vof/k lgdkjh _.k vkSj cSafdax {ks= ds fy, igy%

5-1- jk"Vªh; lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh ½ ds lkekU; fudk; ds xBu ds fo"k; esa Hkkjr ljdkj dk vkns'k %

NAFSCOB

7

dsanz’kkflr izns’k] paMhx<+ ds lkFk ds ua- 4751 2018 rkjh[k 16 vçSy 2018 ls ,d iath—r laLFkk gS] tSlk fd mä vkns'k esacrk;k x;k gSA Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c] dks 2 lky ds fy, —f"k vkSj fdlku dY;k.k ea=ky; }kjk ,ulhlhVh ds fu;e6 ¼,Dl½ ds vuqlkj xofuaZx dkmafly ds lnL;ksa esa jk"Vªh; Lrj ds lgdkjh laxBuksa ds v/;{k dh Js.kh ds varxZr ukfer fd;k x;kgSA mudk ukekadu 29 ebZ 2020 rd ekU; gksxkA

Hkkjr ljdkj us fnukad dh viuh jkti= vf/klwpuk la[;k ds }kjk vf/klwfpr fd;k fdcgq&jkT; lgdkjh lfefr vf/kfu;e ¼,e,llh,l,½] ds rgr iath—r cgq&jkT; lgdkjh lfefr;k¡ /ku 'kks/ku fujks/kdvf/kfu;e ¼ ½] 2002 dh /kkjk 2 ds rgr fjiksfVaZx ,afVVht ds varxZr O;fä ds :i esa iath—r gksa A

Hkkjr ljdkj us dsaæh; çR;{k dj cksMZ ¼lhchMhVh½ ds laKku esa yk;k gS fd dqN cSad ofj"B ukxfjdksa dh VhMh,l dVkSrhdj jgs gSa] tcfd vk; dh jkf'k ipkl gtkj #i;s ls vf/kd ugha gSA ;g dkuwu ds vuqlkj ugha gS D;ksafd vk;dj vf/kfu;e dh/kkjk 194 , ds rgr ;g çko/kku gS fd ofj"B ukxfjdksa ds ekeys esa ;fn vk; dh ek=k dk dqy foÙkh; o"kZ ds nkSjku ØsfMV ;kHkqxrku ipkl gtkj #i;s ls vf/kd ugha gS ] rks lzksr ij dksbZ dj dVkSrh ugha dh tk,xh A ¼—i;k /kkjk 194 dh mi/kkjk 3 esarhljs fu;e dks ns[ksa½A vk;dj fu;e] 1962 ds fu;e 31 , ds mi&fu;e ¼5½ ds rgr] vk;dj egkfuns'kd ¼flLVe½ dks c;kuksa dsçLrqr vkSj lR;kiu ds fy, çfØ;kvksa] çk:iksa vkSj ekudksa vFkok Q‚eZ 26 esa /kuokilh ds fy, nkok vkSj c;kuksa ds çLrqr djusvkSj lR;kiu ds laca/k esa ;k Q‚eZ 26 esa okilh ds fy, nkos dks fufnZ"V rjhds ls ,oa fnu&çfrfnu ds ç'kklu dh ftEesnkjh dksfufnZ"V djus ds fy, vf/k—r fd;k x;k gS A rnuqlkj] vk;dj funs'kd ¼flLVe½] ] foÙk ea=ky;] Hkkjr ljdkj us viuh

fnukad 06 fnlacj] 2018 dh vf/klwpuk la[;k 6 2018 ds }kjk dsaæh; çR;{k dj cksMZ ¼cksMZ½ }kjk fufnZ"V fd;k vk;dj fu;e]1962 ds fu;e 31A ds mi&fu;e ¼5½ ds rgr] ç/kku vk;dj egkfuns'kd ¼flLVe½ dh 'kfä;ksa ds varxZr Li"V djrs gSa fd /kkjk194 ds rgr ofj"B ukxfjdksa ds ekeys esa lzksr ij dksbZ dj dVkSrh ugha dh tk,xh tgka vk; dh jkf'k ;k] foÙkh; o"kZ ds nkSjku tek;k Hkqxrku dh xbZ ,slh vk; dh ek=k ipkl gtkj #i;s ls vf/kd ugha gS ßA

—f"k] lgdkfjrk vkSj fdlku dY;k.k foHkkx] —f"k vkSj fdlku dY;k.k ea=ky;] Hkkjr ljdkj us cgq jkT; lgdkjh

2017

04&05&2018 3@20182002

5-2 foÙkh; vklwpuk bdkbZ&Hkkjr ¼ ½ dk cgq jkT; lgdkjh lfefr;ksa vf/kfu;e ¼ ½] 2002 ds rgriath—r cgq&jkT; lgdkjh lfefr;ksa dks 2002 dh /kkjk 2 ds rgr Js.kh ds varxZr fjiksfVaZx laLFkkvksa ds :i esaiath—r djus ds fy, Ik= %

5-3 vk;dj vf/kfu;e] 1961 dh /kkjk 194 , ds rgr ofj"B ukxfjdksa ds ekeys esa VhMh,l dVkSrh ds ckjs esa Hkkjr ljdkj dhvf/klwpuk %

5-4 Hkkjr ljdkj dk cgq&jkT; lgdkjh lfefr;k¡ ¼la'kks/ku½ elkSnk fo/ks;d] 2018

FIU&IND MSCSA

PMLA]

PMLA

CBDT

A

B

A

B

/ "

5-2 foÙkh; vklwpuk bdkbZ&Hkkjr ¼ ½ dk cgq jkT; lgdkjh lfefr;ksa vf/kfu;e ¼ ½] 2002 ds rgriath—r cgq&jkT; lgdkjh lfefr;ksa dks 2002 dh /kkjk 2 ds rgr Js.kh ds varxZr fjiksfVaZx laLFkkvksa ds :i esaiath—r djus ds fy, Ik= %

5-3 vk;dj vf/kfu;e] 1961 dh /kkjk 194 , ds rgr ofj"B ukxfjdksa ds ekeys esa VhMh,l dVkSrh ds ckjs esa Hkkjr ljdkj dhvf/klwpuk %

5-4 Hkkjr ljdkj dk cgq&jkT; lgdkjh lfefr;k¡ ¼la'kks/ku½ elkSnk fo/ks;d] 2018

FIU&IND MSCSA

PMLA]

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

8

vf/kfu;e] 2002 esa la'kks/ku çLrkfor fd;k vkSj elkSnk fo/ks;d rS;kj fd;k x;k A bl eqís ds egRo vkSj xaHkhjrk dks /;ku esa j[krsgq, Hkkjr ds jk"Vªh; lgdkjh la?k ¼ ½ us 31 tuojh 2019 dks —f"k vkSj fdlku dY;k.k ea=ky; ds le{k O;kid] ,d= vkSjetcwr çfrfuf/kRo rS;kj djus ds fy, çLrkfor la'kks/kuksa ij xgu ppkZ ds fy, fgr/kkjdksa ls ijke'kZ fd;kA

izFke }Sekfld ekSfæd uhfr oäO; 05&04&2018f}Rrh; }Sekfld ekSfæd uhfr oäO; 06&06&2018rhljk }Sekfld ekSfæd uhfr oäO; 01&08&2018prqFkZ }Sekfld ekSfæd uhfr oäO; 05&10&2018ikWpok }Sekfld ekSfæd uhfr oäO; 05&12&2018 ,oaNBk }Sekfld ekSfæd uhfr oäO; 07&02&2019

pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ ds varxZr uhfr jsiks nj dks 25 vk/kkj vad c<+kdj 6-25 izfr’kr fd;ktk,Aifj.kkeLo:i] ,y,,Q ds rgr çfrorhZ jsiks nj 6-0 çfr'kr ij vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½ nj rFkkcSad nj 6-5 çfr'kr gksxhApyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ ds varxZr uhfr jsiks nj dks 25 vk/kkj vad c<+kdj 6-50 fd;ktk,Aifj.kkeLo:i] ,y,,Q ds rgr çfrorhZ jsiks nj 6-25 çfr'kr ij vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½ nj rFkkcSad nj 6-75 çfr'kr gksxhApyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ ds rgr i‚fylh jsiks nj dks rRdky çHkko ls 25 çfr'kr vad 6-5 çfr'krls ?kVkdj 6-25 çfr'kr djukAcSad nj rRdky çHkko ls 25 vk/kkj vadksa ls 6-75 çfr'kr ls 6-50 çfr'kr rd lek;ksftr gksrh gSA,y,,Q ds rgr fjolZ jsiks nj 6-0 çfr'kr rd lek;ksftr gS] vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½nj vkSj cSad nj 6-5 çfr'kr gSA

NCUI

6- Hkkjrh; fjtoZ cSad & ekSfnzd vkSj _.k uhfr ,oa vU; cSafdx&laca/kh midz e & 2018&196-1 f}ekfld ekSfnzd uhfr odRo;] 2018&19&

6-1-1 fo”ks'krk,¡ %

¼ifjf'k"V 2 ,oa 3 esa cSad nj] jsiks nj] ,oa izfrorhZ jsiks nj ds ifjoZruksa dk C;kSjk fn;k x;k gSA½

xoZuj] Hkkjrh; fjtZo cSad us fuEukafdr }Sekfld oäO;ksa dh 2018&19 esa ?kks”k.kk,¡ dha %&

o”kZ 2018&19 esa vkjchvkbZ }kjk }Sekfld uhfr oäO;ksa ds ek/;e ls ?kksf”kr izeq[k uSfrd fu.kZ;ksa dh fo’ks”krk,¡W bl izdkj gSaS%&

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6- Hkkjrh; fjtoZ cSad & ekSfnzd vkSj _.k uhfr ,oa vU; cSafdx&laca/kh midz e & 2018&196-1 f}ekfld ekSfnzd uhfr odRo;] 2018&19&

6-1-1 fo”ks'krk,¡ %

¼ifjf'k"V 2 ,oa 3 esa cSad nj] jsiks nj] ,oa izfrorhZ jsiks nj ds ifjoZruksa dk C;kSjk fn;k x;k gSA½

NAFSCOB

9

6-2 lwpuk miØeksa dks foÙkh; tkudkjh dk çLrqfrdj.k%

6-3 vuqlwfpr lgdkjh cSadksa ds fy, pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½ miyC/kdjk;k tkuk%

6-4- Hkkjrh; fjtoZ cSad ¼uksV okilh½ fu;e] 2009 esa la'kks/ku %

6-5 lw{e] y?kq vkSj e/;e m|e ¼,e,l,ebZ½ {ks= ds vfxzeksa dh iqujZpuk ij vkjchvkbZ dk ifji=

bul‚Yosalh ,aM cSadjIlh dksM ¼ ½] 2016 dh /kkjk 215 ds vuqlkj] dksbZ foÙkh; ysunkj ],slh foÙkh; vkSj laifÙk lslacaf/kr tkudkjh] ftlds laca/k esa dksbZ lqj{kk fgr l`ftr fd;k x;k gks] lwpuk miØeksa ¼ ½ dks fu;eksa }kjk fufnZ"V rjhds lsçLrqr djsxkA vkjchvkbZ us vius fnukad 19&12&2017 ds ifji= }kjk Hkkjrh; fjtoZ cSad }kjk fofu;fer lHkh foÙkh; ysunkjksa dks

] 2016 vkSj Hkkjrh; fnokyk ,oa fnokfy;kiu cksMZ ¼vkbZchchvkbZ½ vkSj lwpuk miØe fofu;e] 2017 ds çklafxd çko/kkuksa dkikyu djus dh lykg nh vkSj lafgrk vkSj fu;eksa ds çko/kkuksa dk vuqikyu lqfuf'pr djus gsrq rqjar mi;qä ç.kkyh vkSj çfØ;kvksadks ykxw djus ds fy, dgkA

v/;{k] uS¶ld‚c us fnukad 11&05&2018 dks xouZj] vkjchvkbZ dks fy[ks vius i= ds }kjk vuqlwfpr jkT; lgdkjh cSadksads fy, pyfuf/k lek;kstu lqfo/kk ¼ ½ vkSj lhekar LFkk;h lqfo/kk ¼ ½ miyC/k djk, tkus dk eqík mBkdj vuqjks/k fd;k Fkkfd vkjchvkbZ vuwlwfpr jkT; lgdkjh cSadksa ds fy, rjyrk lek;kstu lqfo/kk [kksyus ij fopkj djsA rkfd ;s cSad ,sls vf/k'ks"k/ku dk fuos'k dj ldsa] tks orZeku esa eqæk cktkj esa 1700 cts ds ckn çkIr /ku dk fuos'k ,y,,Q lqfo/kk ds rgr djus esa vleFkZgSaA bl laca/k esa vkjchvkbZ us viuh vxLr] dh vf/klwpuk ds }kjk ;g lwfpr fd;k fd ,sls vuqlwfpr jkT; lgdkjh cSadftudk lhvkj,vkj de ls de 9 çfr'kr gS vkSj ftuds ;gka lhch,l laLFkkfir gSa] dks 20 vxLr 2018 ls ,y,,Q dh lqfo/kk nhtk,xhA

Hkkjrh; fjtoZ cSad ¼uksV okilh½ fu;e] 2009 ds varxZr dVs&QVs [kjkc uksVksa ds vknku&çnku ds fy, cSadksa dh lHkh'kk[kkvksa dks vf/kdkj fn, Fks A vke turk dks egkRek xka/kh ¼ubZ½ 'kà[kyk] tks iwoZ dh 'kà[kyk dh rqyuk esa vkdkj esa NksVs gS]dVs QVs uksVksa ds fofue; esa l{ke djus gsrq Hkkjrh; fjtoZ cSad ¼uksV okilh½ fu;ekoyh] 2009 dks la'kksf/kr fd;k x;k Fkk AHkkjrh; fjtoZ cSad ¼uksV okilh½ fu;ekoyh] 2018 dks 06 flracj 2018 dks Hkkjr ds jkti= esa vf/klwfpr fd;k x;k gS A ;s fu;erRdky çHkko ls ykxw gks x, gSaA 7 flracj] 2018 ds vius ds }kjk vkjchvkbZ us lHkh cSadksa dks lwfpr dj fn;k gSA

vkjchvkbZ us 1 tuojh] 2019 dks vius ifji= ds }kjk ;g fu.kZ; lwfpr fd;k fd ^êkud** ds #Ik esa oxhZ—r ,e,l,ebZds orZeku _.kksa dks] vkfLr oxhZdj.k esa fxjkoV ds fcuk] ,d ckj iqujZfpr fd, tkus dh vuqefr nh tk,] tks dqN 'krksaZ ds v/khugksxhA

IBC

IU

IBC

LAF MSF

16 2018

&

ifji=

/

6-2 lwpuk miØeksa dks foÙkh; tkudkjh dk çLrqfrdj.k%

6-3 vuqlwfpr lgdkjh cSadksa ds fy, pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½ miyC/kdjk;k tkuk%

6-4- Hkkjrh; fjtoZ cSad ¼uksV okilh½ fu;e] 2009 esa la'kks/ku %

6-5 lw{e] y?kq vkSj e/;e m|e ¼,e,l,ebZ½ {ks= ds vfxzeksa dh iqujZpuk ij vkjchvkbZ dk ifji=

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

10

6-6 MsfcV ØsfMV çhisM dkMZ ysunsu ds fy, Vksdukbts'ku ij Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'k

6-7 cSadksa }kjk fuos'k iksVZQksfy;ks ds oxhZdj.k] ewY;kadu vkSj ifjpkyu laca/kh foosdiw.kZ ekunaM & lgdkjh cSadksa }kjk,eVh,e gkfu;ksa dk foHkktu ¼LçsfMax½ vkSj fuos'k vfLFkjrk fjtoZ ¼vkbZ,Qvkj½ dk l`tu%

7- jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ¼ukckMZ½ &y?kq vof/k ds xzkeh.k lgdkjh _.k laLFkkvksa ds fy, uhfr vkSj vU; igysaa& 2018&19

7-1 jk-l-cSadksa dks y?kq vof/k ¼vU;½% ds varxZr fofHkUu mís';ksa ds fy, foÙkiks"k.k gsrq ukckMZ }kjk çko/kku ij o"kZ 2018&19dh ukckMZ dh uhfr%

/ /

dkMZ ysu&nsu dh lqj{kk esa lq/kkj djus ds ç;klksa dks tkjh j[krs gq,] Hkkjrh; fjtoZ cSad us ,d fof'k"V mi;ksx ds fy,dkMZ ysu&nsu esa Vksdukbts'ku ds fy, dkMZ usVodksaZ dks vuqefr çnku dj nh FkhA vkjchvkbZ }kjk funsZ'kksa ds lkFk 08 tuojh]2019 ds ifji= ds ek/;e ls bldh lwpuk nh xbZ Fkh A

uS¶ld‚c us Hkkjrh; fjtoZ cSad ls vuqjks/k fd;k fd og lgdkjh cSadksa dks Hkh leku lqfo/kk jkgr çnku djsA uS¶ld‚c usv/;{k] ukckMZ ls vkjchvkbZ dks bl ckr ij xkSj djus ds fy, vuqjks/k fd;kA ukckMZ }kjk fn, x, lq>koksa ds vk/kkj ij]uS¶ld‚c uslHkh lnL; jkT; lgdkjh cSadksa ls vuqjks/k fd;k fd os ljdkjh çfrHkwfr;ksa ds çfrQy ¼;hYM½ esa gq, mNky ds çHkko fo'ys"k.k vkSj31 ekpZ 2018 rd cktkj dks fpfàr djus ds fy, fd, x, Hkkjh çko/kku dh vko';drk dk fooj.k gesa çLrqr djsa rkfd ukckMZ dsleFkZu ls vkjchvkbZ ds lkFk bl eqís dks mBkuk tkjh j[kk tk lds A ;g larks"k dh ckr gS fd vkjchvkbZ us lHkh,lVhlhch@Mhlhlhch dks Hkh muds ôrZeku* ¼djsaV½ Js.kh esa /kkfjr fuos'kksa gsrq leku fodYi çnku djus dk fu.kZ; fy;k gSA ;gfu.kZ; vkjchvkbZ }kjk fnukad 06&07&2018 ds ifji= ds }kjk lwfpr fd;k x;k FkkA

/

uhfr dh leh{kk dh xbZ gSA ukckMZ us lHkh ,llhch dks foÙkh; o"kZ 2018&19 ds fy, mlh uhfr dks O;kid :i ls tkjhj[kus ds vius QSlys ds ckjs esa crk;kA o"kZ 2018&19 ds fy, uhfr dh eq[; fo'ks"krk,a uhps nh xbZ gSa%

v½ iqufoZÙk dh ik=rk iwath ls tksf[ke ¼Hkkfjr½ laifÙk vuqikr ¼lhvkj,vkj½ ekunaMksa ds vuqikyu] 'kq) ,uih,¼vutZd vkfLr½ vkSj ys[kk ijh{kk iwjk djus ij fuHkZj FkhA

vk½ iqufoZÙk dh ek=k ;FkkFkZoknh _.k dk;ZØe ¼vkj,yih½ dk 100 FkkAb½ lw{e m|eksa] NksVs m|eksa vkSj e/;e m|eksa dks ukckMZ vf/kfu;e 1981 esa la'kks/ku ds lanHkZ esa 'kkfey fd;k x;k

FkkAbZ½ 2018&19 ds nkSjku ukckMZ }kjk y?kq vof/k ¼vU;½ iqufoZÙk ds c<+rs çko/kkuksa dks ifjf'k"V &1 esa çLrqr fd;k x;k

Fkk Avyx&vyx mís';ksa ds fy, fu/kkZfjr fd, tkus okys ewY;kadu ekunaMksa dks ;Fkksfpr ifjorZuksa lfgr tkjhj[kk tk,xk tSlk fd ifjf'k"V& 2 esa fn;k x;k gSA

m½ ukckMZ }kjk ,llhch dks iqufoZÙk lgk;rk 7-7 çfr o"kZ dh C;kt nj ij miyC/k Fkh tks fd le;≤ ijukckMZ }kjk crk, x, la'kks/kuksa ds v/khu gS A

%

%

6-6 MsfcV ØsfMV çhisM dkMZ ysunsu ds fy, Vksdukbts'ku ij Hkkjrh; fjtoZ cSad ds fn'kkfunsZ'k

6-7 cSadksa }kjk fuos'k iksVZQksfy;ks ds oxhZdj.k] ewY;kadu vkSj ifjpkyu laca/kh foosdiw.kZ ekunaM & lgdkjh cSadksa }kjk,eVh,e gkfu;ksa dk foHkktu ¼LçsfMax½ vkSj fuos'k vfLFkjrk fjtoZ ¼vkbZ,Qvkj½ dk l`tu%

7- jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ¼ukckMZ½ &y?kq vof/k ds xzkeh.k lgdkjh _.k laLFkkvksa ds fy, uhfr vkSj vU; igysaa& 2018&19

7-1 jk-l-cSadksa dks y?kq vof/k ¼vU;½% ds varxZr fofHkUu mís';ksa ds fy, foÙkiks"k.k gsrq ukckMZ }kjk çko/kku ij o"kZ 2018&19dh ukckMZ dh uhfr%

/ /

NAFSCOB

11

� ik= xfrfof/k;k¡ %

7-2 ekSleh —f"k lapkyu ¼,l,vks½ ds fy, _.k lhek dh Loh—fr %

7-3 ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks ukckMZ }kjk vfrfjä vYikof/k ¼,lVh½

iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfr %

v½ y?kq vof/k & —f"k vkSj lac) xfrfof/k;k¡vk½ y?kq vof/k & cksukQkbM okf.kfT;d ;k O;kikj ysunsu ds foÙkiks"k.k ds fy, ¼ukckMZ vf/kfu;e] 1981 dh /kkjk

21 ¼1½ ¼ ½ esa fufgr½b½ Qlyksa dk foi.kubZ½ vkS|ksfxd lgdkjh lfefr;k¡ ¼cqudjksa ds vykok½m½ y?kq vof/k& lw{e ] y?kq vkSj e/;e m|ksx] dqVhj vkSj xzkeks|ksx vkSj gFkdj?kk ds 22 Loh—r O;kid lewgksa esa

ls fdlh ,d ;k ,d ls vf/kd esa yxh Je lafonk] ou mit ds laxzg vkSj foi.ku esa yxs Je lafonk vkSj xzkeh.k{ks=ksa esa fuekZ.k dk;Z esa fyIr Je lafonk lgdkjh lfefr;ksa dh Je lafonk

Å½ y?kq vof/k&çkFkfed —f"k lgdkjh lfefr ¼ih,lh,l½ —"kd lsok lfefr;ka ¼,Q,l,l½ cM+s vkdkjokyhvkfnoklh cgq&ç;kstuh; lfefr;k¡ ¼,y,,eih,l½ ds cqudj lnL;ksa lfgr xzkeh.k dkjhxjA

,½ y?kq vof/k& eRL;ikyu {ks=,s½ y?kq vof/k& jklk;fud moZjdksa vkSj vU; —f"k fufo"Vksa dh [kjhn] HkaMkj.k vkSj forj.kvks½ y?kq vof/k& lfefr;ksa vkSj çkFkfed —f"k lgdkjh lfefr;ksa ¼ih,lh,l½ ds fy, dk;Z'khy iwath _.k

1 vçSy] 2018 ls 31 ekpZ] 2019 rd ft-e-l-cSadksa dh vksj ls ukckMZ }kjk jk-l-cSadksa dks y?kq vof/k ¼ekSleh —f"k lapkyu½

ds foÙkiks"k.k ds fy, Loh—r dqy _.k lhek #- 57980 djksM+ Fkh vkSj mä vof/k ds fy, vf/kdre cdk;k #- 73142 djksM+ FkkA o"kZ

2018&19 ds nkSjku ,lVh ¼,l,vks½] ,lVh ¼cqudj½ ds fy, jkT;&okj eatwjh vkSj y?kq vof/k _.k lhekvksa dk vf/kdre cdk;k

ifjf'k"V & 4 esa fn;k x;k gSA

foÙk o"kZ 2017&18 ds fy, uhfr dh leh{kk dh xbZ Fkh vkSj ukckMZ }kjk foÙkh; o"kZ 2018&19 ds fy, iqufoZÙk dh ek=k

c<+kus dk fu.kZ; fy;k x;k FkkA

iv

/ /

y?kq vof/k &y?kq vof/k &

� ukckMZ }kjk ,llhch dks iqufoZÙk lgk;rk le;≤ ij ukckMZ }kjk crk, x, C;kt nj ij miyC/k Fkh dh ¼tks fdorZeku esa 7-7 çfr o"kZ gSA½%

� ik= xfrfof/k;k¡ %

7-2 ekSleh —f"k lapkyu ¼,l,vks½ ds fy, _.k lhek dh Loh—fr %

7-3 ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks ukckMZ }kjk vfrfjä vYikof/k ¼,lVh½

iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfr %

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

12

� vfrfjä vYikof/k iqufoZÙk ds rgr Loh—r dqy lhek lkekU; y?kq vof/k ¼,l,vks½ ds rgr ik= lhlhch dsvkj,yih ds 60 ls vf/kd ugha gksuh pkfg, ;k fQj ukckMZ ifji= ds ifjf'k"V& 1 ds vuqPNsn 4 ds vuqlkjgksuk pkfg, A

vYikof/k lgdkjh xzkeh.k _.k ¼,lVhlhvkjlh½ QaM dh vfu.khZr jlhn] jk-l-cSad lkekU; _.k O;oLFkk

¼th,ylh½ ds 60 rd ;k tSlk Hkh ekeyk gks] bl _.k O;oLFkk ¼ykbu v‚Q ØsfMV½ ds rgr gks ldrh gS] ftls

lkekU; lhek ds rgr iqufoZÙk çkIr gksus ij lek;ksftr fd;k tk ldrk gSA

ukckMZ us lHkh jk-l-cSadksa dks lykg nh fd os lHkh ik= ft-e-l-cSadksa dh vksj ls vfrfjä y?kq vof/k ¼ekSleh —f"k

dk;Z½ _.k lhek dh Loh—fr ds fy, ukckMZ vkjvks esa tkdj fu/kkZfjr çksQkekZ esa vkosnu tek dj ldrs gSa A

dsoy mu jk-l-cSadksa ft-e-l-cSadksa dk ¼31-03-2017 dks½ tksf[ke Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼

lhvkj,vkj½ 9 ;k mlls vf/kd gS] os gh ik= gksaxsA

dsoy mu jk-l-cSadksa dk lhvkj,vkj½ 9 ;k mlls vf/kd gS fdarq O;fäxr ft-e-l-cSadksa dk 9 ls de gS ] mu

ft-e-l-cSadksa dh rjQ ls dksbZ _.k lhek miyC/k ugha FkhA

ftu ekeyksa esa jk-l-cSadksa dk lhvkj,vkj 9 ls de gS fdarq ft-e-l-cSadksa dk 9 ls vf/kd gS] mu ekeyksa esa]

ljdkjh xkjaVh ij ;k ljdkj vuqeksfnr çfrHkwfr;k¡ vFkok vuqlwfpr cSadksa dh ,QMhvkj fxjoh j[kus ij lh/ks

ft-e-l-cSadksa dks ØsfMV lhek Loh—r dh tkrh FkhA ft-e-l-cSadksa dks çR;{k iqufoZÙk çnku djus ds ekeyksa esa]

ukckMZ ds ifji= fnukad 09-09-2011 }kjk tkjh fn'kkfunsZ'kksa dk ikyu fd;k x;k FkkA

mÙkj iwohZ {ks=] tEew&d'ehj] flfDde] fgekpy çns'k] mÙkjk[kaM vkSj vaMeku vkSj fudksckj }hi lewg esa fLFkr

,llhch fuoy vutZd vkfLr ¼,uih,½ esa NwV ds lkFk 20 vfrfjä iqufoZÙk ds fy, ik= FksA

bl _.k O;oLFkk ds rgr iqufoZÙk ij C;kt nj o"kZ 2018&19 ds nkSjku 7-7 Fkh] tks le;≤ ij ukckMZ }kjk

fd, x, ifjorZuksa ds v/khu FkhA C;kt 30 flracj vkSj 31 ekpZ dks v/kZ&okf"kZd njksa ij ns; FkkA

ukckMZ us lHkh cSadksa dks 6 twu 2018 ds vius ifji= ds }kjk lykg nh fd okf"kZd foÙkh; fooj.kksa esa tksf[ke jksdFkke vkSj

lHkh vksch,l ysunsuksa ds çdVhdj.k ds lanHkZ esa iwjh ckjhdh ls vkjchvkbZ ukckMZ ds funsZ'kksa dk ikyu djsa A lkFk gh] bl rjg dstksf[ke dh laHkkouk dks de djus ds fy, lhch,l ds lkFk vksch,l ysunsu MsVk dk iw.kZ ,dhdj.k lqfuf'pr djsaA vxj /;ku ufn;k tk, rks] vksch,l ensa cSad dh foÙkh; lsgr dks [krjs esa Mkyus dh {kerk j[krs gSaA cSad rqjar lhch,l ds lkFk lHkh cSysal 'khVenksa dks fyad dj ldrs gSaA ;g lqfuf'pr fd;k tk ldrk gS fd cSad ds lHkh ysunsu] foÙkh; ;k vU;Fkk ¼;kuh] cSad xkjaVh vkfn½lhch,l ds ek/;e ls fd, tk jgs gSaA

%

%

�

�

�

�

�

�

�

%

%

% %

% %

%

/

/

7-4 jkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa esa tksf[ke dh jksdFkke] lHkh rqyui=srj ¼vksch,l½ ysunsuksa ds

çdVhdj.k vkSj lkbcj lqj{kk ds ckjs esa fn'kkfunsZ'k funsZ'k %/

7-4 jkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa esa tksf[ke dh jksdFkke] lHkh rqyui=srj ¼vksch,l½ ysunsuksa ds

çdVhdj.k vkSj lkbcj lqj{kk ds ckjs esa fn'kkfunsZ'k funsZ'k %/

NAFSCOB

ekunaM iqufoZÙk dh ek=kiqufoZÙk dh ek=k

de tksf[ke Js.kh ¼vad 65 vkSjÅij½]

iqufoZÙk dh ek=k vçfrcaf/kr Fkh] ukckMZ dks Lohdk;Z cSadksa dk;FkkFkZoknh m/kkj dk;ZØe vkSj jkT; cSad ds fy, dqy vkoaVu ds/

v/khuAuje tksf[ke ¼50 ls 64 vad½] e/;etksf[ke ¼40 ls 49 vad½ Js.kh

iqufoZÙk dh ek=k fiNys o"kZ esa fudkys x, iqufoZÙk ds 25 ls vf/kd%

fu/kkZfjr dh;k Fkk vFkok lacaf/kr jk -l-cSad ;k ft-e-l-cSad }kjk o"kZ2016&17 esa cqfu;knh Lrj ij laforfjr fd, x, fe;knh _.kksa dk90 ] tks Hkh vf/kd gks A%

mPp tksf[ke ¼40 ls uhps vad½ Js.kh cSad iqufoZÙk ds fy, ;ksX; ugha FkkA

13

7-5 ¼Hkkjr baVjQsl Q‚j euh½ ij ukxfjdksa ds fy, jsQjy cksul ;kstuk vkSj O;kikfj;ksa ds fy, dS'kcSd;kstuk dk foLrkj vkSj la'kks/ku

7-6 ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr jkT; ljdkjksa dks lgdkjh _.k laLFkkvksa esa 'ks;j iwath ds ;ksxnku gsrq vof/k_.k dh Loh—fr ds fy, o"kZ 2018&19 dh uhfr %

7-7 o"kZ 2018&19 esa jk-l-cSadksa dks ;kstukc) _.k nsus dh ukckMZ dh iqufoZÙk uhfr %

iqufoZÙk dh ek=k %

BHIM BHIM

Hkkjr ljdkj O;fä;ksa vkSj O;kikfj;ksa dks c<+kok nsdj fMftVy vFkZO;oLFkk dh vksj c<+us ds fy, ukxfjdksa dks çksRlkfgrdjuk pkgrh gSA fMftVy ysunsuksa esa ,si dks yksdfç; cukus ds fy,] Hkkjr ljdkj us nks ;kstuk,a 'kq: dh gSaA ¼v½ &dS'k cSd ;kstuk O;kikfj;ksa ds fy, vkSj ¼ vk ½ &jsQjy ;kstuk O;fä;ksa ds fy,A blds vykok] bysDVª‚fuDl vkSj lwpukçkS|ksfxdh ea=ky; ¼Hkkjr ljdkj½ us mijksä ;kstukvksa dks la'kksf/kr dj bl ;kstuk dh vof/k dks 1 vçSy 2018 ls c<+kdj 31 ekpZ2019 dj fn;k gSA ukckMZ us vius ifji= fnukad 4 vçSy 2018 ds }kjk bldh lwpuk nh FkhA

jkT; lgdkjh cSad ¼,llhch ½] ftyk e/;orhZ lgdkjh cSad ¼Mhlhlhch ½] çkFkfed —f"k lk[k lfefr ¼ih,lh,l½

@fdlku lsok lfefr ¼,Q,l,l½ cM+s vkdkj ds vkfnoklh cgqç;kstuh; lfefr ¼,y,,eih,l½] jkT; lgdkjh —f"k vkSj xzkeh.kfodkl cSad ¼,llh,vkjnhch½ vkSj çkFkfed lgdkjh —f"k vkSj xzkeh.k fodkl cSad ¼ihlh ,vkjMhch½ tSlh lgdkjh _.k laLFkkuksadh 'ks;j iwath esa ;ksxnku ds fy, ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr ukckMZ jkT; ljdkjksa dks çfriwfrZ ds ek/;e lsnh?kZdkfyd _.k çnku djrk gSA fnukad 14&06&2017 ds ifji= esa o"kZ 2017&18 dh uhfr dks o"kZ 2018&19 ds fy, Hkh tkjhj[kus dh lwpuk ukckMZ us fnukad 11&04&2018 ds vius ifji= }kjk nhA

iqufoZÙk ij ukckMZ dh uhfr dks vafre :i ns fn;k x;k gS vkSj o"kZ 2018&19 dh uhfr 11 vçSy] 2018 ds ifji= ds ek/;els lHkh jk-l-cSadksa dks lwfpr dh xbZA

BHIM BHIM

BHIM

/

�

7-5 ¼Hkkjr baVjQsl Q‚j euh½ ij ukxfjdksa ds fy, jsQjy cksul ;kstuk vkSj O;kikfj;ksa ds fy, dS'kcSd;kstuk dk foLrkj vkSj la'kks/ku

7-6 ukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr jkT; ljdkjksa dks lgdkjh _.k laLFkkvksa esa 'ks;j iwath ds ;ksxnku gsrq vof/k_.k dh Loh—fr ds fy, o"kZ 2018&19 dh uhfr %

7-7 o"kZ 2018&19 esa jk-l-cSadksa dks ;kstukc) _.k nsus dh ukckMZ dh iqufoZÙk uhfr %

iqufoZÙk dh ek=k %

BHIM BHIM

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56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

7-8 ,l,vks foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks ,lVh iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfr %

o"kZ 2018&19 ds fy, ,lVh ¼,l,vks½ uhfr dh eq[; fo'ks"krk,a fuEukuqlkj gSa %

y?kq vof/k ¼,l,vks½ iqufoZÙk dh ek=k jk-l-cSad ds 'kq) vutZd ifjlaifÙk;ksa ls lacaf/kr fd;k tkuk tkjh j[kk A2017&18 ds nkSjku ifjpkfyr fd, x, ekunaM 2018&19 ds nkSjku fuEufyf[kr la'kks/kuksa ds lkFk tkjh jgs Fks %

vU; phtksa ds chp iqufoZÙk dh ek=k ds fy, ;ksX;rk 31-03-2017 dks jk-l-cSad dh 'kq) vutZd ifjlaifÙk;ksa dhfLFkfr ij vk/kkfjr FkhA

& oS/kkfud ys[kkijh{kk fjiksVZ esa n'kkZbZ xbZ ,uih, dh fLFkfr ik=rk dk vk/kkj gksxhA

& gkykafd] ys[kkijh{kk fjiksVZ vkSj ukckMZ dh fujh{k.k fjiksVZ esa n'kkZbZ xbZ ,uih, dh fLFkfr esa fdlh Hkhvarj dh fLFkfr esa] ukckMZ dh fujh{k.k fjiksVZ dks ik=rk fu/kkZfjr djus ds fy, vk/kkj ekuk tkuk FkkA

& jk-l-cSad ft-e-l-cSad Lrj ij 'kq) ,uih, fLFkfr vkSj u dh jk-l-cSad ft-e-l-cSad dh 'kk[kkvksa dsLrj dh fLFkfr ,llhch dh ik=rk ds fy, fopkj esa yh tkuh FkhA

& ;fn 31-03-2018 dks ¼oS/kkfud ys[kkijh{kk ds iwjk gksus ds ckn½] fdlh Hkh foÙkh; ekud esa lq/kkjfxjkoV fn[krh gS] rks mls iqufoZÙk lhek dh ;ksX;rk ds fy, ekuk tk,xkA

jk-l-cSad ft-e-l-cSad ij ykxw lhvkj,vkj ekunaMA rnuqlkj] 31-03-2017 dks 9 vkSj mlls vf/kd ds

lhvkj,vkj ds vuqikyu esa ykblsal çkIr jk-l-cSad ¼vuqlwfpr xSj&vuqlwfpr½ ykblsal çkIr ft-e-l-cSad dsfy, iqufoZÙk miyC/k gSA

ftu ekeyksa esa jk-l-cSadksa dk lhvkj,vkj 9 ls de gS fdarq ft-e-l-cSadksa dk 9 ls vf/kd gS] mu ekeyksa esa]ljdkjh xkjaVh ij ;k ljdkj vuqeksfnr çfrHkwfr;k¡ vFkok vuqlwfpr cSadksa dh ,QMhvkj fxjoh j[kus ij lh/ksft-e-l- cSadksa dks ØsfMV lhek Loh—r dh tkrh Fkh A

ft-e-l-cSadksa dks iqufoZÙk çnku djus ds fy, foLr`r fn'kkfunsZ'k fnukad 09-09-2011 ds gekjs ifji= la- 172 dsek/;e ls igys gh tkjh fd, x, A

31-03-2018 dks lekIr o"kZ ds fy, jk-l-cSadksa vkSj ft-e-l-cSadksa dh ys[kk ijh{kk dks iwjk fd;k tkuk pkfg, vkSjlacaf/kr fjiksVZ 30-09-2018 rd ukckMZ ds lacaf/kr vkjvks dks çLrqr dh tkuh pkfg,A

01-10-2018 ds ckn vkgj.k dh dsoy ,sls jk-l-cSadksa vkSj ft-e-l-cSadksa dks vuqefr nh] ftUgksaus 2017&18 ds fy,ys[kkijh{kk iwjh dh Fkh vkSj lacaf/kr fjiksVZ ukckMZ ds lacaf/kr {ks=h; dk;kZy; dks lkSaih FkhA

o"kZ 2018&19 ds fy, ukckMZ ,lVh ¼,l,vks½ uhfr ds rgr iqufoZÙk dh ek=k dk fooj.k uhps fn;k x;k gS%

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/ /

/

/

/ /

%

% %

7-8 ,l,vks foÙkiks"k.k ds fy, jkT; lgdkjh cSadksa dks ,lVh iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfr %

14

NAFSCOB

* mÙkj&iwohZ {ks=] tEew&d'ehj] flfDde] fgekpy çns'k] mÙkjk[kaM vkSj vaMeku vkSj fudksckj

dh ykxw lkekU; ek=k ds Åij 5 vfrfjä iqufoZÙk ds fy, ik= Fks A%

**iwohZ {ks= tSls fcgkj] mM+hlk] if'pe caxky] NÙkhlx<+ vkSj iwohZ mÙkj çns'k ds 28 ftyksa¼Hkkjr ljdkj dh iwohZ Hkkjr esa gfjr Økafr ykuk chthvkjbZvkbZ ;kstuk ds rgr½ iqufoZÙk

jk-l-cSadksa dh 'kq) vutZd'kq) vutZdifjlaifÙk;k¡

ik=rk lhek ¼ikik=rk lhek ¼ik= ft-e-l-cSadksa ds ;FkkFkZoknh _.kds ;FkkFkZoknh _.kdk;ZØe ¼vkj,yih½ dsdk;ZØe ¼vkj,yih½ ds çfr'kr ds :i esa½çfr'kr ds :i esa½

lkekU; iqufoZÙk dh ek=klkekU; iqufoZÙk dh ek=k

& 6 rd%

& 6 ls Åij vkSj 10 rd% %

& yxHkx 10 & 20 rd% %

- 20 ls Åij%

40%

35%

30%

& ik= ugha gS

'kq) ,uih, esa NwV ds lkFk 20 vfrfjä iqufoZÙk *%'kq) ,uih, esa NwV ds lkFk 20 vfrfjä iqufoZÙk *%

&15 rd%

&15 ls Åij vkSj 25 rd% %

- yxHkx 25%

& 60%

& 55%

- &ik= ugha gS

}hiksa esa jk-l-cSad 'kq) ,uih, esa NwV ds lkFk 20 vfrfjä iqufoZÙk ds fy, ik= FksA%

iqufoZÙk dh ykxw lkekU; ek=k ds Åij 5 dk vfrfjä iqufoZÙk%ykxw lkekU; ek=k ds Åij 5 dk vfrfjä iqufoZÙk% **- 6%

- 6 ls Åij vkSj 10 rd% %

- yxHkx 10 vkSj 20 rd% %

- 20 ls Åij%

- 45%

- 40%

- 35%

- ik= ugha gS

15

� mijksä of.kZr lhvkj,vkj ekunaMksa dks iwjk djus okys xSj&vuqlwfpr ,llhch] ukckMZ vf/kfu;e] 1981 ds 21¼3½ ¼,½ dh /kkjk ds rgr ljdkjh xkjaVh ij vFkok ljdkj vuqeksfnr çfrHkwfr;ksa dks fxjoh j[kdj mlhvf/kfu;e dh /kkjk 21 ¼2½¼i½ vFkok mlh vf/kfu;e dh /kkjk 33 ds rgr vuqlwfpr okf.kfT;d cSadksa ds ,QMhvkjdks fxjoh j[kdj ØsfMV lhekvksa dh eatwjh ds fy, ik= FksAukckMZ us foÙk iks"k.k ds fy, ,lVh ¼,l,vks½ ØsfMV lhek ds rgr 2018&19 ds fy, vyx&vyx mi&lhek,aeatwj dh%& vU; Qlyksa dh [ksrh ¼vkslh½]& fu/kkZfjr ftyksa esa frygu vkSj rsy ike ¼,u,evksihih & frygu½ ij jk"Vªh; fe'ku ds rgr frygu

dh [ksrh]

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56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

16

& fu/kkZfjr ftyksa esa jk"Vªh; [kk| lqj{kk fe'ku nkysa ¼,u,Q,l,e & nkysa½ ds rgr nkyksa dh [ksrh& tutkrh; tula[;k ¼MhVhih½ ds fodkl ds rgr tutkfr;ksa dh mRiknu ØsfMV vko';drk,aA

rnuqlkj] ,llhch dks Loh—r lesfdr lhek ,l,vks&vkslh] ,l,vks&,u,evks;wih],l,vks&,u,Q,l,e ¼nkysa½ vkSj ,l,vks&MhVhih ds fy, lacaf/kr mís';ksa ds fy, Mhlhlhch&okj;FkkFkZoknh _.k dk;ZØe ds vk/kkj ij mi&lhekvksa esa foHkkftr gSA

,llhch dks ukckMZ iqufoZÙk ij C;kt nj 4-5 Fkh] tks fd Hkkjr ljdkj }kjk la'kks/ku ds v/khu gS] ;fn jkT; esa

vYidkfyd lgdkjh _.k lajpuk viuh Hkkxhnkjh ds lkFk m/kkjdrkZ fdlku dks 3 yk[k #i;s rdQly _.k çnku djrh gSA

dks ukckMZ }kjk Loh—r lhek ij vkgj.k lacaf/kr dqy vufrns; j{kk ,uvksMhlh ¼lHkh mi&lhekvksa dsrgr miyC/k½ ds vk/kkj ij vc rd ik= ft-e-l-cSadksa ftudk jk-l-cSadksa ls cdk;k m/kkj Fkk A gkyk¡fd] cSadksa dks,uvksMhlh mi&lhek okj dh fuxjkuh djus dh vko';drk gksrh gS] ysfdu fdlh Hkh mi&lhek esa ,uvksMhlh esadeh ds ekeys esa] dqy ,uvksMhlh miyC/k gksus ij dksbZ vfrfjä C;kt ugha fy;k tkrk gSA jk-l-cSadksa dks ekfld,uvksMhlh LVsVesaV çLrqr djuk gS] tks vxys eghus ds 20 osa fnu rd dsa-l-cSad & okj fLFkfr dks n'kkZrk gSA,uvksMhlh dh ?kkVs ds ekeys esa] ,llhch dks ,uvksMhlh ds ?kkVs dks iwjk djuk iM+sxk A ;fn ,llhch bl rjg ds?kkVs dh ?kVuk ls ,d eghus ds Hkhrj ?kkVs dks iwjk djus esa foQy jgrk gS] rks vfrfjä C;kt@1 çfr o"kZ,uvksMhlh dh ?kkVs ij ?kkVs dh vof/k ds fy, yxk;k tk,xk ;kuh dh ftl rkjh[k rd ?kkVs dh ek=k fu;ferdh tk,xhA

ukckMZ dks C;kt ds ewy/ku vkSj ;k C;kt ds Hkqxrku esa fMQ‚YV :i ls] ,llhch@10-25 ijfMQ‚YV C;kt dk Hkqxrku djus ds fy, mÙkjnk;h FksA ml vof/k ds fy, ftlds fy, fMQ‚YV tkjh j[kk x;kFkkA

fuf/k;ksa ds fopyu ls cpus ds fy,] C;kt vuqnku Qly _.k dk xyr mi;ksx vkSj /ku ds mfpr var mi;ksx

dks lqfuf'pr djus ds fy, cSadksa dks lykg nh xbZ Fkh fd 20 vxLr ds gekjs ifji= la- 175 Mhvksvkj

&47 2015 esa fufgr funsZ'kksa dk ikyu djsaA

bl laca/k esa] ukckMZ {ks=h; dk;kZy;ksa ¼vkjvks½ us vyx&vyx ,llhch dks foÙkh; o"kZ 2018&19 ds fy, ,lVh&,l,vksfoÙkiks"k.k ds fy, çR;sd ,llhch dks iqufoZÙk vkoaVu ds ckjs esa crk;kA blfy,] ukckMZ us lHkh ,llhch ls lacaf/kr lHkh ukckMZ{ks=h; dk;kZy; ¼vkjvks½ dks fu/kkZfjr çksQkekZ esa] igys Mªky ds lkFk lHkh ik= Mhlhlhch dh vksj ls lesfdr ØsfMV lhek dh eatwjhds fy, vius vkosnu tek djus dk vuqjks/k fd;kA blds vykok] ukckMZ us lHkh ,llhch ls 06 tqykbZ] 2018 ds ukckMZ ifji= la -

173 Mhvksvkj &52 2018 ds layXud f}rh; ds vuqlkj miØe çLrqr djus dk vuqjks/k fd;kAblds vykok] ukckMZ us lHkh ,llhch dks m/kkjdrkZ lnL;ksa dks #i, dkMZ tkjh djds dslhlh ;kstuk ds dk;kZUo;u dks

lqfuf'pr djus ds fy, lac) Mhlhlhch ls laokn djus dh lykg nhA

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%

%

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7 C;kt;k mlls de ij,llhch

2015

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NAFSCOB

17

7-9 nh?kkZof/k xzkeh.k lk[k dks"k ¼,yVhvkjlh,Q½ 2018&19 ds rgr —f"k fuos'k _.k ds fy, nh?kZdkfyd iqufoZÙk%

v½ ik= laLFkk,¡%

vk½ ik=rk ekinaM%

b½ 'kkfey xfrfof/k;k¡%

bZ½ iqufoZÙk dk foLrkj%

;kstuk dh eq[; fo'ks"krk,a vkSj iqufoZÙk çnku djus ds egRoiw.kZ fu;e vkSj 'krsaZ fuEukuqlkj gSa %

lHkh ,llhch tks ukckMZ ls iqufoZÙk dh ik=rk ds ;ksX; Fks] os fu/kkZfjr iqufoZÙk ds fy, ;fn ;ksX;rk ekunaMksa dksiwjk djrs gksa rks ukckMZ dh le; le; ij fn, x, fn'kkfunsZ'kksa ds vuqlkj os ik= gksaxsA

ukckMZ ds 11 vçSy 2018 ds ifji= 72 22 2018 esa mfYyf[kr iqufoZÙk ij uhfr fn'kkfunsZ'kksa esa fufnZ"Vds vuqlkj ;ksX;rk ekunaM ykxw fd, x, Fks A

—f"k ds varxZr lHkh ik= fuos'k xfrfof/k;ksa ds fy, lkof/k _.k c<+k;k x;kA iqufoZÙk ds fy, ftu ;ksX;xfrfof/k;ksa ij fopkj fd;k tk ldrk gS] mudh lwph fuEukuqlkj gS%

y?kq flapkbZ] Hkwfe fodkl] —f"k ;kaf=dhdj.k] Ms;jh] i'kqikyu] eRL; ikyu] o`{kkjksi.k vkSj ckxokuh] okfudh]

—f"k Dyhfud vkSj —f"k O;olk; dsaæ] HkaMkj.k cktkj ;kMZ vkfnA

bafxr dh xbZ lwph mnkgj.kkRed gS vkSj vuU; ugha gSA vxj os —f"k esa iwath fuekZ.k dk usr`Ro djrs gSa rks ;gkamfYyf[kr xfrfof/k;ksa dks Hkh doj ugha fd;k tk ldrk gSA gkykafd] vYidkfyd _.k] xSj&—f"k {ks= dhxfrfof/k;ksa ds fy, _.k] xzkeh.k vkokl] lsok {ks= dh xfrfof/k;ka vkfn ,yVhvkjlh,Q ds rgr iqufoZÙk ds fy,

ik= ugha gksaxsA Lo lgk;rk lewgksa dks _.k ds ckgj j[kk x;k gS D;ksafd os ,uvkj,y,e C;kt lcfe'ku;kstuk ds fy, iqufoZÙk ;kstuk ds rgr vkrs gSaA

mÙkj iwohZ {ks= ¼vle] v#.kkpy çns'k] ef.kiqj] es?kky;] fetksje] ukxkySaM] f=iqjk vkSj flfDde½ esajkT;ksa ds fy, iqufoZÙk dh lhek] ioZrh; {ks= ¼tEew&d'ehj] fgekpy çns'k] mÙkjk[kaM½] iwohZ {ks= ¼if'pe caxky]mM+hlk ] fcgkj] >kj[kaM vkSj vaMeku vkSj fudksckj }hi lewg½] y{k}hi vkSj NÙkhlx<+ esa lHkh mís';ksa ds fy,ik= cSad _.k ds 100 FksAvU; {ks=ksa ds fy, iqufoZÙk dh lhek Fkh%

/ /

/

/

DOR –

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%

7-9 nh?kkZof/k xzkeh.k lk[k dks"k ¼,yVhvkjlh,Q½ 2018&19 ds rgr —f"k fuos'k _.k ds fy, nh?kZdkfyd iqufoZÙk%

v½ ik= laLFkk,¡%

vk½ ik=rk ekinaM%

b½ 'kkfey xfrfof/k;k¡%

bZ½ iqufoZÙk dk foLrkj%

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

18

¼,½ lHkh egRoiw.kZ {ks=ksa ds fy, 100 ¼tSlk fd ukckMZ dh iqufoZÙk uhfr esa n'kkZ;k x;k gS½

¼ch½ vU; lHkh fofo/k mís';ksa ds fy, 95 A

—f"k iqufoZÙk lqfo/kk —f"k {ks= ds rgr lHkh ifj;kstukvksa ds fy, iqufoZÙk ek=k] cSad _.k ;k dqy

foÙkh; ifjO;; ds Åijh vf/kdre Lrj ds fcuk c<+k nh xbZ FkhA ;fn dksbZ cSad Loh—fr&iwoZ çfØ;k ds rgr

iqufoZÙk dk ykHk mBkus dk bjknk j[krk gS] rks os ukckMZ dks viuh ifj;kstuk,a tek dj ldrs gSaA

vafre m/kkjdrkZvksa dks _.k ij C;kt dh nj vkjchvkbZ fn'kkfunsZ'kksa ds eqrkfcd Fkh A gkykafd] —f"k

xfrfof/k;ksa ds fy, muds lkekU; nj dh rqyuk esa cSad C;kt dh fj;k;rh nj ij fdlkuksa dks _.k c<+k

ldrs gSaA

ukckMZ ls iqufoZÙk ij C;kt nj 4-70 çfr o"kZ Fkh ¼v/kZ&okf"kZd C;kt ds lkFk½] tksfd le;≤ ij

ukckMZ ls la'kks/ku ds v/khu Fkh A cSad vafre m/kkjdrkZ dks ykHk ns ldrs gSaA

Hkqxrku esa pwd gksus ij ] ftl nj ij iqufoZÙk forfjr fd;k x;k Fkk]ml nj ls 2 Åij vkSj mruh

O;frØe ¼ pwd½ jkf'k vkSj mlh vof/k ds fy, yxk;k tkrk gS A

iqufoZÙk ds fy, iquHkqZxrku vof/k gj lky 31 tuojh vkSj 31 tqykbZ dks v/kZ&okf"kZd vk/kkj ij 5 lky

dh FkhA çR;sd o"kZ 1 Qjojh vkSj 1 vxLr dks C;kt Hkqxrku v/kZ&okf"kZd vk/kkj ij FkkA

,S

,yVhvkjlh QaM ds rgr foLrkfjr iqufoZÙk dk ys[kk&tks[kk vyx&vyx j[kk tkuk pkfg, vkSj

mís'; ds fy, vko';d fjd‚MZ j[kk tkuk pkfg,A cSadksa dks ukckMZ }kjk iwNs tkus ij _.k dh

la[;k] C;kt nj] çlaLdj.k 'kqYd pktZ bR;kfn tSlh lHkh tkudkjh çnku djuh FkhA

%

%

m½ Lopkfyr iqufoZÙk lqfo/kk %

Å½ C;kt nj%

d ½ m/kkjdrkZvksa dks _.k%

[k½ ukckMZ ls iqufoZÙk%

x½ naMLo:i C;kt%

,½ iquHkqZxrku dh vof/k %

½ vfHkys[kksa dk j[kj[kko%

/

%

%

m½ Lopkfyr iqufoZÙk lqfo/kk %

Å½ C;kt nj%

d ½ m/kkjdrkZvksa dks _.k%

[k½ ukckMZ ls iqufoZÙk%

x½ naMLo:i C;kt%

,½ iquHkqZxrku dh vof/k %

½ vfHkys[kksa dk j[kj[kko%

NAFSCOB

19

7-10 ukckMZ }kjk Lo;a lgk;rk lewg cSad lgc)rk dk;ZØe ij v|ru ekLVj ifji= %

7-11 tkyh uksV idM+us rFkk mUgsa tCr djus ls lacaf/kr ukckMZ ds ekLVj ifji= 2018 esa lq/kkj%

iSjk 10 vkjchvkbZ ,ulhvkjch ,QvkbZ;w vkbZ,uMh dks vk¡dM+ksa dh lwpuk

^^

7-12 20 yk[k Hkhe vk/kkj is midj.kksa dh rSukrh gsrq foÙkh; lekos'ku fuf/k ds rgr lgk;rk ds fy, çksRlkgu ;kstuk dh

vof/k dks c<+kuk %

ukckMZ us le; le; ij Lo;a lgk;rk lewg cSad lgc)rk dk;ZØe ¼ ,l,pth&ch,yih½ ds ckjs esa {ks=h; xzkeh.k cSadksa

vkSj lgdkjh cSadksa dks dbZ fn'kkfunsZ'k vuqns'k tkjh fd, gSaA cSadksa dks bl fo"k; ij tkjh lHkh vuqns'k ,d gh LFkku ij miyC/k

djkus ds mís'; ls fo|eku fn'kkfunsZ'kksa vuqns'kksa dks 'kkfey djrs gq, 23 vxLr 2018 ds ekLVj ifji= ds }kjk v|ruh—r

ifji= Hkstk x;k A

vkjchvkbZ us vius 2 tqykbZ 2018 ds ifji= ds }kjk tkyh uksV idM+us rFkk mUgsa tCr djus laca/kh lwpuk nhA ,QvkbZ;w

vkbZ,uMh ds orZeku vuqns'kksa ls rkyesy cSBkus ds fy, blh ds ifjPNsn 10 esa cnyko fd, x,A ukckMZ }kjk mijksä lwpuk vius

fnukad 29 väwcj ] 2018 ds ifji= }kjk nh xbZ A lq/kkfjr ifjPNsn bl çdkj ls gS %

lHkh cSad 'kk[kkvksa }kjk%

cSad dh lHkh 'kk[kkvksa }kjk irk yxk;s x;s tkyh uksVksa ds vkadM+s ekfld vk/kkj ij fu/kkZfjr çk:i esa lwfpr djuk

vko';d gS A ekg ds nkSjku cSad 'kk[kkvksa esa irk yxk;s x;s tkyh uksVksa ds C;ksjs n'kkZusokyk fooj.k ¼vuqca/k ½ ladfyr fd;k tk,

vkSj lacaf/kr fjtoZ cSad ds fuxZe dk;kZy; dks bl çdkj çsf"kr fd;k tk;s fd og vkxkeh ekg dh 7 rkjh[k rd mUgsa çkIr gks tk;s A

/ku'kks/ku fuokj.k fu;e] 2005 ds fu;e 3 ds rgr] cSadksa ds ç/kku vf/kdkfj;ksa dks Hkh ,sls udnh ysu nsu] tgka tkyh uksVksa

dks vlyh uksVksa ds :i esa ç;ksx esa yk;k x;k gS] dh lwpuk] ia/kjk dk;Zfnol ds vanj] funs'kd] ,QvkbZ;w vkbZ,uMh] foÙkh; [kqfQ;k

bZdkbZ&Hkkjr] 6oha eafty] gksVy lezkV] pk.kD;iqjh] ubZ fnYyh&110021 dks] iksVZy ij lwpuk viyksM djds djus dh

vko';drk gSA blh çdkj] ,QvkbZlh,u dh igpku ds vkadM+s uS'kuy ØkbZe fjd‚MZ C;wjks dh csclkbZV ds osc vk/kkfjr l‚¶Vos;j

ij Hkh viyksM fd, tk,¡**A

Hkhe vk/kkj is midj.kksa dh 31 ekpZ 2019 rd dh rSukrh dks doj djus ds fy, ;kstuk ds dk;kZUo;u dh vof/k dks c<+kus

dk fu.kZ; fy;k x;k gSA mä lwpuk ukckMZ }kjk vius 19 tqykbZ ] 2018 ds ijhi= ds }kjk nh xbZ gSA

/

/

–

/ / –

VI

FINnet

7-10 ukckMZ }kjk Lo;a lgk;rk lewg cSad lgc)rk dk;ZØe ij v|ru ekLVj ifji= %

7-11 tkyh uksV idM+us rFkk mUgsa tCr djus ls lacaf/kr ukckMZ ds ekLVj ifji= 2018 esa lq/kkj%

iSjk 10 vkjchvkbZ ,ulhvkjch ,QvkbZ;w vkbZ,uMh dks vk¡dM+ksa dh lwpuk

^^

7-12 20 yk[k Hkhe vk/kkj is midj.kksa dh rSukrh gsrq foÙkh; lekos'ku fuf/k ds rgr lgk;rk ds fy, çksRlkgu ;kstuk dh

vof/k dks c<+kuk %

/ / –

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

20

7-13 foRrh; Dyhfud vkSj —f"k O;kikj dsaæ ¼,lh,chlh½ vkstuk ;kstuk dks o"kZ 2018&19 ls o"kZ 2019&20 esa tkjh j[kuk %

7-14 fV;j 5 vkSj fV;j 6 dsaæksa esa ihvks,l e'khuksa dh rSukrh ds fy, ,QvkbZ,Q ds rgr leFkZu% fV;j 5 vkSj fV;j 6dsaæksa esa foLrkj %

7-15 çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr mik;ksa ds fy, o"kZ 2018&19 ds fy, ukckMZ iqufoZÙk uhfr ij fn'kkfunsZ'k& y?kq vof/k ¼ekSleh —f"k dk;Z½ _.k dk e/;e vof/k ds _.kksa esa :ikarj.k %

bl ;kstuk dh eq[; fo'ks"krk,a bl çdkj gSa%

foRRkh; o"kZ 2018&19 vkSj 2019&20 esa bl ;kstuk dks tkjh j[kus ds laca/k esa ukckMZ dks Hkkjr ljdkj dk vuqeksnu ¼ 3vçSy] 2018 dk i= la ,Q ua1 ¼2½ 2018 &bZe½ çkIr gqvk gSA rnuqlkj ukckMZ us bls vius 17 tqykbZ 2018 ds ifji= ls lwfpr fd;kgSA

xzkeh.k {ks=ksa esa fMftVy Hkqxrku Loh—fr ds cqfu;knh <kaps dks c<+kus ds fy,] igys ls gh Loh—r çfrca/kksa ds fy, ;kstukdks fV;j 3 vkSj 4 dsaæksa rd foLrkfjr djus dk fu.kZ; fy;k x;k gSA vc rd dsoy 10]000 ls de vkcknh okys xkaoksa dk gh fopkjfd;k x;k FkkA bl la'kks/ku ds lkFk] 50]000 ls de vkcknh okys xkao Hkh leFkZu ds fy, ik= gks x, gSaA fnukad 27 flracj 2018ds ifji= }kjk ukckMZ }kjk bldh lwpuk nh xbZ gSA

ukckMZ }kjk ekStwnk uhfr dh leh{kk dh xbZ Fkh vkSj foÙkh; o"kZ 2018&19 ds fy, ogh uhfr tkjh j[kus dk fu.kZ; fy;kx;k gSA

v½ lgdkjh cSadksa dh ik=rk tksf[ke Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼lhvkj,vkj½ ekunaMksa dsvuqikyu ls tqM+h gqbZ gSA y?kq vof/k ¼ekSleh —f"k dk;Z½ _.kksa dk e/;e vof/k ds _.kksa esa :ikarj.k gsrq

iqufoZÙk mu lHkh ykblsal çkIr jk-l-cSad dsa-l-cSad ds fy, miyC/k Fkk tks fd uhps mfYyf[kr lhvkj,vkj'krksaZ dks iwjk djrs gSa%½ fnukad 31-03-2017 rd 9 ;k mlls vf/kd ds lhvkj,vkj okys jk-l-cSad] ftuds ft-e-l-cSadksa dk

lhvkj,vkj Hkh 9 ;k mlls vf/kd gSa

½ 9 ls vf/kd lhvkj,vkj okys jk-l-cSad ds ekeys esa] ysfdu ftuds ft-e-l- cSadksa dk lhvkj,vkj 9ls de gSa]mUgs dksbZ iqufoZÙk miyC/k ugha gksxk]

–

/

i %

ii

%

%%

7-13 foRrh; Dyhfud vkSj —f"k O;kikj dsaæ ¼,lh,chlh½ vkstuk ;kstuk dks o"kZ 2018&19 ls o"kZ 2019&20 esa tkjh j[kuk %

7-14 fV;j 5 vkSj fV;j 6 dsaæksa esa ihvks,l e'khuksa dh rSukrh ds fy, ,QvkbZ,Q ds rgr leFkZu% fV;j 5 vkSj fV;j 6dsaæksa esa foLrkj %

7-15 çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr mik;ksa ds fy, o"kZ 2018&19 ds fy, ukckMZ iqufoZÙk uhfr ij fn'kkfunsZ'k& y?kq vof/k ¼ekSleh —f"k dk;Z½ _.k dk e/;e vof/k ds _.kksa esa :ikarj.k %

bl ;kstuk dh eq[; fo'ks"krk,a bl çdkj gSa%

–

NAFSCOB

21

blds vykok] o"kZ 2018&19 ds fy, _.kksa ds e/; vof/k :ikarj.k iquHkZj.k iqufuZ/kkZj.k ds fy, iqufoZÙk ijC;kt nj ukckMZ }kjk le;≤ ij r; dh xbZ FkhA C;kt dh orZeku nj cSadksa }kjk vf/kdre ykHkkfFkZ;ksa dks

300 vadksa ls de gSA U;wure C;kt nj 8-10 çfro"kZ gSA vkSj bl laca/k esa vkjchvkbZ }kjk fu/kkZfjrfn'kkfunsZ'kksa dk vuqikyu fd;k tkrk gS A

vU; fu;e vkSj 'krsaZ vifjofrZr gSaA

pwafd dk;Z fu"iknu fjiksVZ ijks{k pkSdlh ¼ vks,l,l½ ij vk/kkfjr gS ] vks,l,l fjVuZ esa MsVk dh fjiksfVaZx esa pwd =qfV;ksa

ds dkj.k ] fjiksVZ esa dh xbZ fVIif.k;ksa fu"d"kksaZ ij çHkko iM+ ldrk gSA ftlls bldh dqN fVIif.k;ka voyksdu vuqfpr gks tkrs

gSaA blfy,] vks,l,l fjVuZ esa çLrqr vkadM+ksa dh 'kq)rk dh iqf"V djus ds ckn gh cSadksa }kjk dk;Z fu"iknu vkdyu fjiksVZ dk

mi;ksx djuk mfpr gksxkA rnuqlkj] ukckMZ us vius fnukad 06 vxLr] 2018 ds ifji= ds }kjk lwfpr fd;k fd lHkh jk-l-cSad vkSj

ft-e-l-cSad ih,vkj ds lkFk ^MsVk lR;kiu fjiksVZ ¼ Mhohvkj½ uked ,d vkSj fjiksVZ HkstsaA

ukckMZ us 7 tuojh 2019 dks vius ifji= ds ek/;e ls ,llhch dks xzkeh.k fodkl ea=ky;] Hkkjr ljdkj }kjk lapkfyr

,uvkj,y,e ds rgr fpfUgr 250 ftyksa esa lHkh efgyk ,l,pth dks muds }kjk foLrkfjr _.k ij fj;k;rh iqufoZÙk dh lkefjd

;kstuk ds ckjs esa crk;kA ;kstuk ds rgr iqufoZÙk ij C;kt nj 4-50 çfr o"kZ FkhA c'krsZ fd ,llhch 7-00 çfr o"kZ dh C;kt nj

ij]fpfUgr 250 ftyksa esa lHkh ,l,pth dks 3 yk[k #i;s çfr ,l,pth rd nsrh gS A

ukckMZ us 31 ekpZ 2018 rd lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, eqacbZ esa 11 tqykbZ 2018 dks

ukckMZ }kjk vk;ksftr o"kZ 2018&19 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd vk;ksftr dhA bl cSBd esa

uS¶ld‚c ds v/;{k vkSj çca/k funs'kd dks vkeaf=r fd;k x;k Fkk A çca/k funs'kd] uS¶ld‚c us bl leh{kk

cSBd esa Hkkx fy;kA

/ /

/

%

7-16 fjVuZ~l dk bysDVªksfud çLrqrhdj.k ¼ ½ & flLVe tujsVsM dk;Z fu"iknu vkdyu fjiksVZ ds laca/k esa ukckMZ dh

lwpuk %

7-17 ukckMZ }kjk tkjh ;kstukc) m/kkj 2018&19 ds fy, ,uvkj,y,e C;kt vuqnku ;kstuk&iqufoZÙk uhfr%

7- 18 ukckMZ }kjk ijke'kZ %

v½ eqacbZ esa 11 tqykbZ 2018 dks ukckMZ }kjk vk;ksftr o"kZ 2018&19 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd%

lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, %

ENSURE

/

/

% %

7-16 fjVuZ~l dk bysDVªksfud çLrqrhdj.k ¼ ½ & flLVe tujsVsM dk;Z fu"iknu vkdyu fjiksVZ ds laca/k esa ukckMZ dh

lwpuk %

7-17 ukckMZ }kjk tkjh ;kstukc) m/kkj 2018&19 ds fy, ,uvkj,y,e C;kt vuqnku ;kstuk&iqufoZÙk uhfr%

7- 18 ukckMZ }kjk ijke'kZ %

v½ eqacbZ esa 11 tqykbZ 2018 dks ukckMZ }kjk vk;ksftr o"kZ 2018&19 ds fy, lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd%

lgdkjh cSadksa ds çn'kZu dh leh{kk ds fy, %

ENSURE

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

22

uS¶ld‚c ds çca/k funs'kd Jh ch lqczã.;e us 12 tqykbZ 2018 dks ukckMZ }kjk vk;ksftr lsfeukj esaHkkx fy;k A dq'ky ekdsZV fyadst dh enn ls lhekar vkSj NksVs fdlkuksa dks i;kZIr _.k dh vklkuigqap vkSj mudh vk; ds Lrj dks lqfuf'pr djus ds rjhdksa egRoiw.kZ eqíksa ij fopkj&foe'kZ fd;kA

ukckMZ us 24 flracj 2018 dks f=iqjk esa iwoksZÙkj {ks= ds lgdkjh cSadksa dh leh{kk cSBd dk vk;kstu fd;k ftlesaflfDde ,oa vaMeku vkSj fudksckj }hi lfgr mÙkj&iwohZ {ks= esa lgdkjh cSadksa ls lacaf/kr fofHkUu eqíksa ij ppkZ gqbZ AuS¶ld‚c ds v/;{k vkSj çca/k funs'kd dks mä cSBd esa Hkkx ysus ds fy, vkeaf=r fd;k x;k FkkA v/;{k] uS¶ld‚c vkSjçca/k funs'kd] uS¶ld‚c us leh{kk cSBd esa Hkkx fy;kA

ukckMZ us lgdkjh cSadksa ds çn'kZu dh leh{kk djus ds fy, 13 ekpZ 2019 dks eqacbZ esa lgdkjh cSadksa dh jk"Vªh;leh{kk cSBd cqykbZA uS¶ld‚c ds v/;{k vkSj çca/k funs'kd dks mä cSBd esa Hkkx ysus ds fy, vkeaf=r fd;k x;k FkkAv/;{k]uS¶ld‚c vkSj çca/k funs'kd] uS¶ld‚c us leh{kk cSBd esa Hkkx fy;kA

Lkalnh; —f"k lfefr dh flQkfj'k ds vuqlj.k esa lgdkjh _.k lfefr;ksa dks mudh lajpukRed lqfo/kkvksa esa lq/kkj djusds fy, lgk;rk nsus ds mÌs';ksa ls ukckMZ vf/kfu;e] 1981 dh /kkjk 45 ds izko/kkuksa ds vuqlkj o"kZ 1992&93 esa ukckMZ }kjk lgdkjhfodkl dks”k ¼lhMh,Q½ dh LFkkiuk dh xbZA

31 ekpZ] 2019 rd fofHkUu iz;kstuksa ds fy, dks"k ls lgdkjh laLFkkvksa vFkkZr ,llhch vkSj ,vkjMhch dks forfjr lap;hlgk;rk 193 djksM+ :- Fkh A 31 ekpZ] 2019 dh fLFkfr ds vuqlkj jkT; lgdkjh cSadksa dks lhMh,Q ds varxZr lgk;rk dhiz;kstuokj okLrfod eatwjh vkSj laforj.k fuEu izdkj ls gS%&

vk½ ukckMZ us 12 tqykbZ 2018 dks eqacbZ esa viuk 37 ok¡ LFkkiuk fnol eukus ds fy, ÞdysD'ku ,aM ekdsZVfyadst&QkeZlZ çksMîwllZ v‚xZukbts'ku ¼,Qihvks½ß ij Lo;a lgk;rk lewg ¼,l,pth½ ds jk"Vªh; lsfeukj dkvk;kstu fd;k A

b½ 24&09&2018 dks f=iqjk esa iwoksZÙkj {ks= ds lgdkjh cSadksa dh leh{kk cSBd %

bZ ½ cSadksa ds çn'kZu dh leh{kk djus ds fy, eqacbZ esa 13 ekpZ 2019 dks lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd %

7-19 lgdkjh fodkl dks”k ¼lhMh,Q½

vk½ ukckMZ us 12 tqykbZ 2018 dks eqacbZ esa viuk 37 ok¡ LFkkiuk fnol eukus ds fy, ÞdysD'ku ,aM ekdsZVfyadst&QkeZlZ çksMîwllZ v‚xZukbts'ku ¼,Qihvks½ß ij Lo;a lgk;rk lewg ¼,l,pth½ ds jk"Vªh; lsfeukj dkvk;kstu fd;k A

b½ 24&09&2018 dks f=iqjk esa iwoksZÙkj {ks= ds lgdkjh cSadksa dh leh{kk cSBd %

bZ ½ cSadksa ds çn'kZu dh leh{kk djus ds fy, eqacbZ esa 13 ekpZ 2019 dks lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd %

7-19 lgdkjh fodkl dks”k ¼lhMh,Q½

NAFSCOB

dzdz - mímís'; Loh—r laforfjrlaforfjr /laforfjr /

Loh—fr dk çfr'krLoh—fr dk çfr'kr

1

2

3

4

5

6 lEidZ ;k=k,¡

7 lh&ihblh

8

9 vU;

dqy 69-440

2-58

61-82

63-39

71-76

62-58

88-42

61-69

70-04

90-62

1665-6767

9-46

167-00

119-68

72-04

26-31

143-99

27-95

34-63

1064-61

2400-0000

366-26

270-13

188-79

100-39

42-04

162-84

45-31

49-44

1174-80l‚¶V~d‚c

çk-—-lk-l- fodkl çdks"B

lEesyu lsfeukj lHkk,¡/ /

cqfu;knh lajpuk ¼çk-—-lk-l-½

fons'kh çR;{k fuos'k vksMhvkbZ

xzkeh.k fodkl cSadj laLFkku] lgdkjh cSadksadks çf'k{k.k

23

lhMh,Q ds varxZr eatwj dh xbZ fuf/k;ksa dk 'ks"k mi;qZDr iz;kstuksa gsrq ,vkjMhoh rFkk lkFk gh ,lh,lVhvkbZ tSlsts,yVhlh dks ykxrksa dh izfr iwfrZ ftUgsa ulh,eMhvkjMhMh oSeuhdkWe vkSj ,,llhvkbZ tSlh jk"Vªh; Lrj dh laLFkkvksa }kjklapkfyr fd;k x;kgSA v/;;uksa] lsehukjksa ds lapkyu] loksZRre çn'kZu iqjLdkjksa] lgdkjh tkx:drk dk;ZØe] laxBukRedfodkl igy] dslhlh lgdkjh ca/kqvksa dh cSBd vkSj lsfeukj vkfn ds fy, gSA 31 ekpZ 2019 ds vuqlkj lgdkjh _.k laLFkkvksavkfn dh lhMh,Q lgk;rk dk iz;kstuokj fooj.k ifjf'k"V- 5 esa gSA

vxLr] 1998 esa Hkkjr ljdkj ds vuqjks/k ij ukckMZ }kjk dslhlh Ldhe rS;kj dh xbZ FkhA ukckMZ }kjk miyC/k djk;s x;svkadM+ksa ds vuqlkj ekpZ 2019 ds var rd lgdkjh cSadksa] {ks=h; xzkeh.k cSadksa feydj Ldhe ds 'kq: gksus ls vc rd dksbZ dqy 4-27

7-20 fdlku ØsfMV dkMZ Ldhe%

¼#- yk[k esa½¼#- yk[k esa½

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

24

djksM dslhlh tkjh fd,A blds eqdkcys ekpZ 2019 ds var rd vc rd 254 507-81 djksM dk _.k tkjh fd;k x;k FkkA o"kZ2018&19 ds nkSjku lgdkjh cSadksa vkSj {ks=h; xzkeh.k cSadksa }kjk tkjh fd;s x;s dqy dslhlh 29-88 y{k Fks vkSj blh vof/k ds nkSjkueatwj jkf'k 24943-67 djksM+ FkhA izkjEHk ls ysdj tc rd tkjh fd, x, dqy dkj.kksa esa ls lgdkjh cSadksa us 3-04 djksM dslhlh vkSj{ks=h; xzkeh.k cSadksa }kjk 1-22 djksM dslhlh tkjh fd, x, A

leh{kk/khu vof/k ds nkSjku lgdkjh cSadksa us dqy 14-52 y{k fdlku ØsfMV dkMZ] vkjvkjch us 15-36 y{k fdlku ØsfMVdkMZ tkjh fd,A blh izdkj bu fdlku ØsfMV dkMksZa ij eatwj jkf'k lgdkjh cSadksa }kjk 7973-30 djksM+ :- vkSj vkjvkjch }kjk16970-37 djksM+ FkhA

ekpZ 2019 ds var rd izkjEHk ls vc rd dslhlh Ldhe dh izxfr vkSj ,tsalhokj tkjh fd, x, dslhlh Øe'k%esa fn, x;s gSaA

ns'k Hkj dh y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh dqy dk;Z iwath 942559-04 djksM+ Fkh y?kq vkof/kd lgdkjh lk[k{ks= dk jk"Vªh; vFkZO;oLFkk esa egRoiw.kZ ;ksxnku dk |ksrd gSA ;g ç'kaluh; gS fd lgdkjh vkanksyu ds lexz fodkl dslkFk&lkFk y?kq vkof/kd lgdkjh laLFkk,¡ Hkh y{k.kh; çxfr ij gSaA jkT; lgdkjh cSadksa] ft-e-l-cSadksa ,oa çkFkfed —f"k lk[klfefr;ksa }kjk dh xbZ çxfr fuEufyf[kr vuqPNsnksa esa crkbZ xbZ gSA

8-1-1 lEçfr ns'k esa 33 jk-l-cSad gSa muesa ls 32 cSad ds lnL; gSaA o"kZ 2017&18 dh rqyuk esa o"kZ 2016&17 esa jk-l-cSadksa ds dk;Z fu"iknu dk foLr`r C;kSjk ifjf'k"V 8 esa fn;k x;k gSA

8-1-2 jk-l-cSadksa dh ^lnL;rk^ o"kZ 2016&17 esa 8]43]212 Fkh tks fd 2017&18 esa 6]76]006 gks xbZA bldk eq[; dkj.kO;fäxr lnL;rk esa ?kV gS tks fd 1]67206 dh gSA ,oa lgdkjh lfefr;ksa dh lnL;rk o"kZ 2016&17 esa 20]375 lso"kZ 2017&18 es 24]742 a gks xbZA

8-1-3 ^pqdrk iwath* esa #- 425-29 djksM+ dh c<+ksÙkjh gqbZ tks fd 8-76 çfr'kr jghA o"kZ 2016&17 esa ^pqdrk iwath* esa ^ljdkj dhvksj ls 'ks;j iwath * #- 824-31 djksM+ ls o”kZ 2017&18 es #- 898-64 djksM+ rd c< +xbZ A

8-1-4 o"kZ 2017&18 esa jk-l-cSadksa dh ^vkjf{kr fuf/k;k¡* o"kZ 2016&17 esa #- 12]459-87 djksM+ ls dqy #-13]303-43 djksM+ rdigq¡ph tks fd #- 843-56 djksM+ vFkkZr 6-77 çfr'kr dh o`f) fn[kkrh gSA

ifjf'k"V 6vkSj ifjf'k"V 7

8- y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa dk;Z fu"iknu%

8-1 jk-l-cSadksa dk dk;Z fu"iknu ¼ 2017&18 cuke 2016&17½

uS¶ldkWc

ifjf'k"V 6vkSj ifjf'k"V 7

8- y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa dk;Z fu"iknu%

8-1 jk-l-cSadksa dk dk;Z fu"iknu ¼ 2017&18 cuke 2016&17½

NAFSCOB

25

8-1-5 iwoZ dh rjg gh jk-l-cSadksa ds ^lalk/kuksa* dk eq[; ?kVd gksrh gS ^ tekjkf'k;k¡A o"kZ 2017&18 ds var rd okLrfodtekjkf'k dk Lrj Fkk #- 1]20]604-24 djksM+ tks fd o"kZ 2016&17 ds #- 1]21]688-52 djksM+ ls #- 1084-28 djksM+ ¼ 0-89çfr'kr½ dh fuoy deh A

8-1-6 leLr Þm/kkj jkf'k;k¡ Þ o"kZ 2016&17 esa #-75433-01 djksM+ ls o"kZ 2017&18 rd #-71]224-06 djksM+ rd de gks xbZaftlls 5-58 çfr'kr dk ºzkl gqvkA

8-1-7 lHkh jk-l-cSadksa dh dqy ^dk;Z'khy iwath* o"kZ 2016&17 esa #- 2]20]858-17 djksM+ ls o"kZ 2017&18 esa #- 2]15]786-26djksM+ rd c<+h] ftlls #- 5]071-91 djksM+ dh iw.kZ deh ntZ gqbZA çfr'krrk esa deh 2-30 çfr'kr gqbZA

8-1-8 jk-l-cSadksa }kjk fn;s tkus okys Þ_.kksa ,oa vfxzeksaß esasa o`f) gqbZ gSA o"kZ 2017&18 esa djksM+ ls o"kZ 2016&17 esadjksM+ vFkkZr 5]411-02 djksM+ dh o`f) 4-42 çfr'krA

8-1-9 o"kZ 2017&18 esa ^dqy cdk;k _.k* #- 1]27]9107-14 djksM+ gqvk tks fd o"kZ 2016&17 esa #- 1]22]841-82 djksM+ Fkk ;kuh 3-47 çfr'kr dh o`f)A

8-1-10 gkykafd] o"kZ 2017&18 esa ^ _.k olwyh* esa deh vkbZ gS A o"kZ 2016&17 esa dqy 74]128-71 djksM+ ds _.k olwy gq, tcfd2017&18 esa 72]532-41 djksM+ ds _.k olwy gq, ;kuh #-1]596-30 djksM+ dh Úgkl tks fd 2-15 çfr'kr dh deh vkbZ gSA

8-1-11 o"kZ 2017&18 esa Þ ek¡x ds vuqlkj olwyh ^ dk vuqikr 94-55 çfr'kr jgkA

8-1-12 o"kZ 2017&18 esa Þek¡x ds vuqlkj vfr'ks"kß dk vuqikr 5-45 çfr'kr jgkA

8-2-1 o"kZ 2017&18 ds var rd ns'k Hkj esa 363 ftYgk e/;orhZ lgdkjh cSad FksA fofHkUu ifjpyukRed fud"kksa ij vk/kkfjr ft-e-l-cSadksa dk dk;Z fu"iknu ifjf'k"V &09 esa fn;k x;k gSA

8-2-2 ft-e-l-cSadksa dh ^lnL;rk* o"kZ 2016&17 ds 3233864 ls ?kVdj 2017&18 esa 30]42]226 rd igqaph ftlesa 5-93 çfr'krdh deh gqbZ gSA eq[;r% O;fäxr lnL;rk esa vkbZ fxjkoV ds dkj.k A blh dkykof/k esa ft-e-l-cSadksa esa O;fäxr lnL;ksadh la[;k 27]55]490 ls ?kVdj 25]69]551 gks xbZA

#-1]27]956-11#- 1]22]545-09

8-2 ftyk e/;orhZ lgdkjh cSadksa dk dk;Z fu"iknu ¼2017&18 cuke 2016&17½ %8-2 ftyk e/;orhZ lgdkjh cSadksa dk dk;Z fu"iknu ¼2017&18 cuke 2016&17½ %

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

26

8-2-3 ft-e-l-cSadksa dh ^ pqdrk 'ks;j iwath ^ o"kZ 2016&17 esa #- 14]695-94 djksM+ Fkh tks fd 2017&18 esa c<+dj #- 15907-23djksM+ gks xbZ ftlls #- 1211-29 djksM+ vFkok 8-24 çfr'kr dh o`f) gqbZA ^ pqdrk 'ks;j iwath ^ esa ljdkj ds ;ksxnku esa

5-70 çfr'kr dh o`f) gqbZ gS tks fd o"kZ 2016&17 esa #- 2072-61 djksM+ Fkk vkSj 2017&18 esa #- 2]190-71 djksM+ rd c<+x;kA

8-2-4 ft-e-l-cSadksa dh Þvkjf{kr fuf/k;k¡ Þ tks o"kZ 2016&17 esa #- 33]444-95 djksM+ Fkha ] o"kZ 2017&18 esa #- 35321-54 djksM+ rdigqaph tks fd 5-61 çfr'kr dh c<+r gSA

8-2-5 ns'k Hkj ds ft-e-l-cSadksa us o"kZ 2017&18 esa #- 3]40]737-87 djksM+ Þtek jkf'k ^ dk laxzg.k fd;k gS ftuesa Ô;fäxr tek*^dqy tek* ds 55-52 çfr'kr gSa A ^lgdkjh lfefr;ksa ls tekß ,oa ^vU;* esa o"kZ 2016&17 esa #-1]33]938-42 djksM+ ls o"kZ2017&18 esa #- 1]51]572-42 djksM+ rd dh o`f) ntZ dh xbZ tks fd #- 17]634-00 djksM+ vFkok 13-17 çfr'kr dh fuoyo`f) gS A

8-2-6 ^ft-e-l-cSadks- dh m/kkj jkf'k;k¡* o"kZ 2016&17 esa #-84]820-33 djksM+ ls #- 85]917-98 djksM+ igq¡ph ftlls #-1]097-65djksM+ vFkkZr 1-29 çfr'kr dh o`f) ntZ gqbZA

8-2-7 ft-e-l-cSadksa dh Þdk;Z'khy iwath Þo"kZ 2016&17 esa #- 4]55]213-45 djksM+ ls o"kZ 2017&18 esa #-4]83]210-27 djksM+ rdc<ha tks fd #- 27]996-82 djksM+ dh vFkok 6-15 çfr'kr dh o`f/n n'kkZrh gSA

8-2-8 ft-e-l-cSadksa }kjk fn;s x;s Þ _.k ,oa vfxzeß o"kZ 2016&17 esa #- 2]53]282-40 djksM+ ls o"kZ 2017&18 esa #- 2]42]058-51djksM+ rd deh gSaA ;g deh #-11]223-89 djksM+ vFkkZr 4-43 çfr'kr dh gSAÞ cdk;k _.kß dh jkf'k Hkh 6-44 çfr'kr lsc<+h gS tks fd ekpZ 2017&18 ds var rd #- -2]60]197-89 djksM+ gqbZA^

8-2-9 _.k olwyh* esa lq/kkj gqvk gSA o"kZ 2017&18 esa dqy -1]71]015-26 djksM+ ds _.k olwy gq, tcfd 2016&17 esa 1]66]614-79djksM+ ds _.k olwy gq, Fks ;kuh #- 4]400-47 djksM+ dh o`f) tks fd 2-64 çfr'kr gS

8-2-10 ;g ns[kk x;k fd o"kZ 2017&18 esa #- 2]27]915-50 djksM+ dh jkf'k dh Þek¡xß dh x;h tcfd 2016&17 esa ;g jkf'k #-2]17]327-83 djksM+ FkhA

8-2-11 o"kZ 2017&18 esa Þek¡x ds vuqlkj vfr'ks"kß dh çfr'krrk 24-97 çfr'kr jgh tks fd o"kZ 2016&17 dh 23-33 çfr'kr lsc< xbZ gSA

NAFSCOB

27

8-3 çkFkfed —f"k lk[k lfefr;ksa dk dk;Z&fu"iknu ¼ o"kZ 2017&18 cuke 2016&17½%

ifjf'k"V&108-3-1 jk-l-cSdksa ,oa ft-e-l-cSadksa dh rjg gh çk-—-l-l- dk Hkh o"kZ 2017&18 esa çn'kZu larks"ktud jgkA o"kZ 2016&17 dh rqyuk

esa o"kZ 2017&18 esa çk-—-l-l ds dk;Z&fu"iknu dk foLr`r C;kSjk esa fn;k x;k gSA

8-3-2 tgk¡ rd çk-—-l-l dh dqy la[;k dk ç'u gS] ;g ns[kk x;k fd mudh la[;k esa o"kZ 2016&17 esa 95]595 ls o"kZ2017&18 esa 95]238 rd dh deh gqbZ gSA çk-—-l-l- dh ^lnL;rk* o"kZ 2016&17 esa 1]31]235 ls ?kVdj 2017&18 esa1]30]547 rd igqaph ftlesa 0-52 çfr'kr deh gqbZ gS A fdarq ;g ns[kk x;k gS fd o"kZ 2017&18 esa Þvuqlwfpr tkfr dhlnL;rk esa fxjkoV vkbZ gS tcfd Þvuqlwfpr tutkfrß dh lnL;rk esa o`f) gqbZ gSA Þdqy lnL;rkß esa Þm/kkjdrkZlnL;ksa Þ dk çfr'kr 2016&17 esa 39-64 çfr'kr Fkk tksfd ?kVdj 38-83 çfr'kr gks x;k ;kuh 0-81 çfr'kr dh deh gqbZgSA

8-3-3 çk-—-l-l- dh ^pqdrk 'ks;j iwath^ o"kZ 2016&17 esa #- 14]121-55 djksM++ Fkh tks fd 2017&18 esa c<+ dj #- 14]142-00 djksM+gks xbZ ftlls #- 20-45 djksM+ vFkok 0-14 çfr'kr dh o`f) gqbZA ^ pqdrk 'ks;j iwath ^ esa ljdkj ds ;ksxnku esa 2-63çfr'kr dh deh gqbZ gS tks fd o"kZ 807-39 djksM+ Fkk vkSj 2017&18 ds dqy ;ksxnku dk 5-71 çfr'kr Fkk A

8-3-4 çk-—-l-l dh dqy Þvkjf{kr fuf/k;k¡ Þ #- 16]799-71 djksM+ Fkha ] tks fd fiNys o"kZ ls 10-93 çfr'kr vf/kd FkhaA

8-3-5 Þtekjkf'k;ksa Þ ds laxzg.k gsrq fd;s x;s ç;kl bl o"kZ esa cM+s gh çsj.kknk;h jgsA o"kZ 2017&18 esa dqy tek jkf'k #-119]632-33 djksM+ Fkh tcfd o"kZ 2016&17 esa #- 115]884-20 djksM+ Fkh tks fd 3-23 çfr'kr dh o`f) dks n'kkZrh gSA

8-3-6 çk-—-l-l- dh ^m/kkj jkf'k;k¡* o"kZ 2016&17 esa #- 124]830-95 djksM+ ls o"kZ 2017&18 esa #- 128]333-22 djksM+ igq¡phftlls #- 3]502-27 djksM+ vFkkZr 2-81 çfr'kr dh o`f) ntZ gqbZA

8-3-7 çk-—-l-l dh Þdk;Z'khy iwath Þo"kZ 2016&17 esa #- 2]39]966-99 djksM+ ls o"kZ 2017&18 esa #- 2]43]562-51 djksM+ rdc<ha tks fd #- 3]595-52 djksM+ dh vFkok 1-50 çfr'kr dh o`f/n n'kkZrh gSA

8-3-8 o"kZ 2016&17 dh vis{kk o"kZ 2017&18 esa çk-—-l-l }kjk tkjh Þ_.kksa ,oa vfxzeksa Þesa o`f) gqbZ gSA çk-—-l-l }kjk tkjh dqy_.k ,oa vfxze o"kZ 2016&17 es #- 2]00678-39 djksM+ ls o"kZ 2017&18 esa #- 2]07]321-78 djksM+ gq, tks fd 3-31 çfr'krdh o`f) gqbZ A

8-3 çkFkfed —f"k lk[k lfefr;ksa dk dk;Z&fu"iknu ¼ o"kZ 2017&18 cuke 2016&17½%

ifjf'k"V&10

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

28

8-3-9 cdk;k _.kß dh jkf'k esa 0-49 çfr'kr ls deh gS tks fd o"kZ 2016&17 esa #- 1]70]459-25 djksM+ Fkh vkSj o"kZ 2017&18 esa#- 1]69]629-68 djksM+ gqbZA

8-3-10 çk-—-l-l- }kjk olwy Þ_.kksa ,oa vfxzeksa Þ esa 1-13 çfr'kr dh o`f) gS tks fd o"kZ 2016&17 esa #- 1]47]170-85 djksM+ Fkh vkSj2017&18 esa #- 1]48]834-50 djksM+ olwy gq, ;kuh #- 1663-65 djksM+ dh lEiw.kZ o`f) A

8-3-11 Þ vfr'ks"k* dh dqy jkf'k o"kZ 2017&18 esa #- 47]915-44 djksM+ gS tks fd o"kZ 2016&17 esa #- 53]292-98 djksM+ Fkh ;kuhlEiw.kZ 10-09 çfr'kr dh deh A

8-3-12 Þek¡x ds vuqlkj vfr'ks"kß dh çfr'krrk o"kZ 2017&18 esa 24-35 çfr'kr jgh tks fd o"kZ 2016&17 ds 26-58 çfr'kr lsde gSA

ifjf'k"V esa y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa çn'kZu vkjs[kksa ds ek/;e ls çLrqr fd;k x;k gSA

9- jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½

9-1 mRifRr vkSj mn~ns’;%

uS¶ldkWc ds fof’k”V mís'; fuEufyf[kr gSaS%

tSlk dh vkidks fofnr gS jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½ dh LFkkiuk fnukad 19 ebZ]1964 dks dh xbZ FkhAbldk mns”; fo’ks”k :i ls jkT; vkSj dsUnzh; lgdkjh cSadksa ds dk;ksaZ dks lqyHk cukuk vkSj lkekU; :i ls lgdkjh _.k vkSj cSafdaxdk fodkl gSA

1 lgdkjh _.k cSafdx ds lac/n ekeyksa ls tqM+h leL;kvksa dh tk¡p ds fy, lnL; cSadksa dks lkekU; eap iznkudjuk vkSj muds izfr mfpr j.kuhfr fodflr djukA

2 lnL; cSadksaa dks lHkh {ks=ksa eas muds lHkh dk;Zdykiksa es muds fgrksa dks izksRlkfgr djuk o j{kk djuk vkSjlnL; cSadksa dks muds fopkj O;Dr djus dh Lora=rk nsukA

3 lnL; cSadksaa dh rjQ ls lgdkjh _.k ds fodkl ds fy, Hkkjr ljdkj] Hkkjrh; fjtoZ cSad] lacaf/kr jkT; ljdkjukckMZ vkSj vU; mPp foRrh; laLFkkuksa ds lkFk leUo; djukA

4 lnL; cSadksaas dks muds vius laxBuksas dks n`<+ djus ds fy, lqfo/kk iznku djus ds fy, vuqla/kku ,oa ijke”kZ lqfo/kkiznku djukA

ifjf'k"V esa y?kq vkof/kd lgdkjh lk[k laLFkkvksa dh çxfr ,oa çn'kZu vkjs[kksa ds ek/;e ls çLrqr fd;k x;k gSA

9- jk”Vhª; jkT; lgdkjh cSad egkla?k ¼uS¶ldkWc½

9-1 mRifRr vkSj mn~ns’;%

uS¶ldkWc ds fof’k”V mís'; fuEufyf[kr gSaS%

NAFSCOB

29

5 csgrj uhfr fu.kZ; gsrq lg;ksx nsus ds n`f”Vxr lkekU; fgrksa dh Hkkxhnkkjh ds fy, lEesyu]lsfeukj@dk;Z”kkyk,a @dk;Zdze@ cSaBds vk;ksftr djukA

uS¶ldkWc viuh nks ‘kk[kkvksa ds ek/;e ls dk;Z djrk gS ¼1½ ;kstuk vuqla/kku vkSj fodkl ¼ihvkjMh½] ¼2½ dEI;qVj lsok izHkkx¼lh,lMh½A uS¶ldkWc us vius lnL; cSadksaa o lgdkjh _.k volajpuk dks mi;ksxh lsok nsus ds 55 lky iwjs fd,A

uS¶ldkWc dh lnL;rk Hkkjr x.kra= esa lHkh jk-l- cSadksa ds fy, [kqyh gSA orZeku esa 32 jk-l-cSad uS¶ldkWc ds lnL; gSaA

1- Hkkjrh; jk”Vhª; lgdkjh la?k ¼,ulh;wvkbZ½] ubZ fnYyhA

2- Hkkjrh; lgdkfjrk v/;;u lfefr ¼vklh;wvkbZ½]iq.ksA

3- jk”Vhª; fQYe vkSj yfyr dyk dkWijsfVo fyfeVsM ¼,u,,Q,Q,lh½]ubZ fnYyhA

4- Hkkjrh; i;ZVu lgdkjh e;kZ- ¼d‚iVwj½ ]ubZ fnYyhA

5- Hkkjrh; lgdkjh cSad ¼dksch½]ubZ fnYyhA

6- Hkkjrh; cSad vlksfl,’ku ¼vkbZch,½] eqEcbZ&lg lnL;A

7- Hkkjrh; epsZaV~ psEcj ¼vkbZ,elh½] eqEcbZ&lg lnL;A

1- fn dkWijsfVo ,yk,Ul ¼vkbZlh,½] czlsYl] csfYt;e

2- jSfQlsu ;wfu;u ¼vkbZvkj;w½] cksu teZuh

3- ,f’k;k ,.M iSflfQd :jy ,xzhdYpjy dzsfMV ¼,ihvkj,lh,½]cSadkWd] FkkbyS.M

4- lsUVj QkWj baVjus’kuy dkWvkijs’ku ,.M Vªsfuax bu ,xzhdYpjy cSafdax ¼lhvkbZlhVh,ch½] iq.ks bf.M;k

5- usVoZd QkWj MsoyiesUV vkWQ ,xzhdYpjy dkWijsfVo ¼,ubZMh,lh½ bu ,f’k;k] cSadkWd] FkkbyS.M

9-2 uS¶ldkWc esa lnL;rk%

9-3 uS¶ldkWc }kjk lnL;rk%

d½ uS¶ldkWc fuEufyf[kr jk”Vhª; Lrjh; laxBuksa dk lnL; gS%

[k½ uS¶ldkWc fuEufyf[kr varjkZ"Vªh; laxBuksa dk lnL; gS%

baVjus’kuy

baVjus’kuy

vlksfl,’ku

9-2 uS¶ldkWc esa lnL;rk%

9-3 uS¶ldkWc }kjk lnL;rk%

d½ uS¶ldkWc fuEufyf[kr jk”Vhª; Lrjh; laxBuksa dk lnL; gS%

[k½ uS¶ldkWc fuEufyf[kr varjkZ"Vªh; laxBuksa dk lnL; gS%

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

Ikgyk n’kd¼1964&1974½

mi;qDr fn’kk dh [kkst

nwljk n’kd¼1975&1984½

Nfo fuekZ.k

rhljk n’kd¼1985&1994½d½ izFke vof/k¼1985&1989½[k½ f}rh; vof/k¼1989&1994½

nks vof/k;ksa es foHkkftrlesduîfjoZru* dh vof/k

pkSFkk n’kd¼1995&2004½

*vis{kkvksa] egRokdka{kkvksa o izR;k”kkvksa dhvof/k*

Ikakpoka n’kd2005&2014

iqu% iwathdj.k@xSj&fLFkjhdj.k ds fy, lQyykWch ¼leFkZd oxZ½

vxyk n’kd

2014&2023

;g vk'kk gS fd 2014&15 ls 'kq: gq,n'kd esa] vius ekStwnk :i esa vYikof/klgdkjh _.k lajpuk dks etcwr djus dhfn'kk esa ,d ço`fÙk ns[kh tk,xhAfMftVyhdj.k lfgr rduhdh fodkl ls ckgjfudyus okyh pqukSfr;ksa dk lkeuk djus dsfy, ,lVhlhlh,l dh rS;kjh lqfuf'pr djukA

30

9-4 d½ uS¶ldkWc dk dk;Z fu'iknu

uS¶ld‚c dk çn'kZu fiN~ys ik¡p n'kdksa esa bl çdkj oxhZ—r fd;k tk ldrk gS %

uS¶ldkWc&ikap n’kd

[k- igys %

9-4-1 çkFkfed —f"k lk[k lfefr dks ekuo lalk/ku fodkl uhfr ij uS¶ld‚c lfefr dh vafre fjiksVZ %

uS¶ldkWc us vius lhfer lalk/kkukssa] foRrh; vkSj Je ‘kfDr nksauksa ds lkFk fn, x, mn~ns’;ksa dks izkIr djus esa cgqr ghvPNk dke fd;kA uS¶ld‚c esa LVkQ lnL;ksa dh la[;k 1985 esa 35 ls ?kVdj 1995 esa 19 gks xbZA orZeku esa bldh la[;k ?kVdj 7jg xbZ gSA tcfd uS¶ldkWc ls lacaf/kr lHkh ekeyksa esa lk/kkj.k lHkk fu.kZk;d izkf/kdkjh gS rFkkfi uS¶ldkWc ds dk;ksZa dk izca/kufuns”kd eaMy }kjk fd;k tkrk gS ftlesa v/;{k@lnL; jk-l-cSad dk dksbZ lnL;@iz’kkld@fo’ks”k vf/kdkjh vFkok jk-l-cSad dseq[; dk;Zdkjh ‘kkfey gSA uS¶ldkWc dh dk;Zdkjh lfefr esa v/;{k] Ng mik/;{k vkSj uS¶ldkWc ds eq[; dk;Zdkjh ‘kkfey gSa tksmifof/k;ksa esa ;Fkk &fu/kkZfjr vFkok cksMZ }kjk ;Fkk &izR;k;ksftr ‘kfDr;ksa dk mi;ksx djrs gSA

uS¶ld‚c ds funs'kd eaMy }kjk fd, x, fu.kZ; ds vuqlkj] uS¶ld‚c ds v/;{k us fuEufyf[kr lnL;ksa dks ysdj ekuo

lalk/ku uhfr rS;kj djus vkSj ih,lh,l ds fy, fn'kkfunsZ'kksa dk lq>ko nsus ds fy, ,d lfefr xfBr dhA lfefr dh lajpuk uhpsnh xbZ gS%

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9-4 d½ uS¶ldkWc dk dk;Z fu'iknu

uS¶ld‚c dk çn'kZu fiN~ys ik¡p n'kdksa esa bl çdkj oxhZ—r fd;k tk ldrk gS %

uS¶ldkWc&ikap n’kd

[k- igys %

9-4-1 çkFkfed —f"k lk[k lfefr dks ekuo lalk/ku fodkl uhfr ij uS¶ld‚c lfefr dh vafre fjiksVZ %" "

NAFSCOB

31

uS¶ld‚c us jk"Vªh; —f"k vkSj xzkeh.k fodkl cSad ukckMZ ds lgdkjh fodkl dks"k ¼lhMh,Q½ ds rgr foÙkh; lgk;rk dsfy, çkFkfed —f"k lk[k lfefr;ksa ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, ,d lfefr dk xBu fd;kA lfefr us fnlacj2018 esa viuh fjiksVZ çLrqr dhA

çk-—-l-l- ds fy, ekuo lalk/ku uhfr ij vafre fjiksVZ dh ,d çfr lHkh fgr/kkjdksa ftuesa —f"k ea=ky;] Hkkjr ljdkj]Hkkjrh; fjtoZ cSad] ukckMZ] lHkh jkT;ksa dh lgdkjh lfefr;ksa ¼vkjlh,l ½ ds jftLVªkj] Hkkjrh; jk"Vªh; lgdkjh la?k] jk"Vªh;

lgdkjh fodkl fuxe] lHkh jkT; lgdkjh cSadksa] p;fur ftyk e/;orhZ lgdkjh cSadksa çk-—-l-l lgdkjh lfefr;ksa] deZpkjh;wfu;uksa vkfn dks igys gh Hkst nh xbZ gSA

1- 15&01&2019 dks ukckMZ ds v/;{k M‚-g"kZ dqekj Hkuokyk dks Þçk-—-l-l- ds fy, ,pvkj uhfrß ij uS¶ld‚c dhfjiksVZ dh igyh çfr çLrqr dh xbZ gSA

2-

3-

4-

5- M‚ jktho lgxy] ekuuh; lgdkfjrk ea=h] fgekpy çns'k us 05&02&2019 dks iSDl ds fy, ekuo lalk/ku

uhfr ij fjiksVZ tkjh dhA

6- Jh ch-,l-udbZ] v/;{k] bQdks us 08&02&2019 dks iSDl ds fy, ekuo lalk/ku uhfr ij fjiksVZ tkjh dhA7- uS¶ld‚c }kjk rS;kj iSDl ds fy, ekuo lalk/ku uhfr ij fjiksVZ dks Hkkjrh; cSad çca/ku laLFkk ¼ }kjk 8&9 ekpZ

] 2019 dks ,ubZvkj esa cSadksa vkSj ,QvkbZ & laHkkouk,¡ vkSj pqukSfr;k¡ fo"k; ij vk;ksftr jk"Vªh; laxks"Bh dsmn~?kkVu lekjksg ds volj ij tkjh fd;k x;k FkkA fjiksVZ dk foekspu Jh çdk'k xqIrk] {ks=h; çeq[k] ;wfu;ucSad ¼vkbZvkbZch,e lsfeukj ds çk;kstdksa½ }kjk rstiqj fo'ofo|ky; ds çksQslj nsoozr nkl] çeq[k oäk ] M‚-ehrsbZ] çksQslj vkSj funs'kd] ef.kiqj çca/ku v/;;u laLFkku] ef.kiqj fo'ofo|ky;] M‚ ds jes'k] funs'kd]vkbZvkbZch,e vkSj fo'ofo|ky;ksa vkSj çca/ku {ks= ls vk, dbZ çfrfuf/k;ksa dh mifLFkfr esa tkjh dh xbZ FkhA

iSDl ds fy, ekuo lalk/ku uhfr ds dk;kZUo;u ds fy, fn'kkfunsZ'k rS;kj dj ukckMZ lfgr lHkh fgr/kkjdksaHkst fn, x, gSa] ftuesa lHkh jkT; vkSj dsaæ 'kkflr çns'kksa ds eq[; lfpo] lHkh jkT;ksa dh lgdkjh lfefr;ksa dsjftLVªkj] ukckMZ ds {ks=h; dk;kZy;] lHkh lnL; jk-l-cSad ] pqfuUnk ft-e-l-cSad vkfn 'kkfey gSaA

¼ ½

Jh jes'k paæ pkScs] v/;{k] fcgkj jk-l-cSad vkSj mik/;{k] uS¶ld‚c us iVuk esa 30&01&2019 dks iSDl ds fy,

ekuo lalk/ku uhfr ij fjiksVZ tkjh dhA

Jh iq:"kksÙke #ikyk] ekuuh; dsaæh; —f"k vkSj fdlku dY;k.k jkT; ea=h us 03&02&2019 dks iSDl ds fy,

ekuo lalk/ku uhfr ij fjiksVZ tkjh dhAJh ds ,u jktUuk] iwoZfo/kk;d] v/;{k] dukZVd ,llhch vkSj mik/;{k] uS¶ld‚c us 04&02&2019 dks csaxyq# esa

iSDl ds fy, ekuo lalk/ku uhfr ij fjiksVZ tkjh dhA

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d½ iSDl ds fy, ekuo lalk/ku uhfr ds dk;kZUo;u ds fy, çpkyukRed fn'kkfunsZ'k %

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

32

9-4-2- 11 tqykbZ 2018 dks eqacbZ esa ukckMZ }kjk vk;ksftr lgdkjh cSadksa ds O;kikj ds fodkl ds fy, jk"Vªh; leh{kk cSBd ds fy,çLrqr eqís %

jk"Vªh; leh{kk cSBd ¼us'kuy fjO;w ehV½ dh iwoZ la/;k ij ukckMZ dks fuEufyf[kr eqís çLrqr fd, x, Fks%

9-4-2- 11 tqykbZ 2018 dks eqacbZ esa ukckMZ }kjk vk;ksftr lgdkjh cSadksa ds O;kikj ds fodkl ds fy, jk"Vªh; leh{kk cSBd ds fy,çLrqr eqís %

NAFSCOB

Ø-la- eqís1 o"kZ 2018&19 ds fy, ukckMZ dh y?kq vof/k ¼ ekSleh —f"k dk;Z ½ iqufoZÙk uhfr ij 'kh?kz dk;Zokgh dh

vko';drk gSA2 lHkh ik= jkT; lgdkjh cSadksa vkSj ik= ftyk e/;orhZ lgdkjh cSadksa dks vuqlwfpr fLFkfr nsus gsrq ukckMZ

ds gLr{ksi dh vko';drk gS A3 iSDl] vkSj ,llhch vkSj Mhlhlhch ds dEI;wVjhdj.k ds fy, ukckMZ ls foÙkh; lgk;rk ij

fopkj djus dh vko';drk gS rkfd lhch,l dks viukus dk ekxZ ç'kLr gks lds A4 ft-e-l-cSadksa ds ikl ds fufnZ"V cSad uksV% ,d mi;qä –f"Vdks.k viukus dh vko';drk gS5 _.k fuxjkuh O;oLFkk ¼lh,e,½ ds varxZr ,Dlikstj ekunaMksa esa NwV dh vko';drk6 u, ?kjksa dh [[email protected] ds mís'; ds fy, vkokl _.k ds fy, ,llhch vkSj Mhlhlhch ds fy,

fu/kkZfjr ,Dlikstj ekunaMksa esa la'kks/ku ij fopkj djus ds fy,A7 flMch }kjk ykxw ekbØks ,aM Le‚y ,aVjçkbt ¼lhthVh,e,lbZ½ ds fy, ØsfMV xkjaVh QaM VªLV ds rgr

lnL; _.k laLFkkuksa ¼,e,yvkbZ½ ds :i esa lHkh lgdkjh cSadksa dks 'kkfey djus dh vko';drk gSA8 fo'ks"k :i ls xSj&vuqlwfpr jkT; lgdkjh cSadksa ds fy, ljdkjh xkjaVh dh l'krZrk dks nwj djus dh

vko';drk gSA9 vuqlwfpr jkT; lgdkjh cSadksa esa pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ v‚ijs'ku foaMks [kksyus ds fy,

ukckMZ ds gLr{ksi dh vko';drk10 uqdlku dks cktkj Hkko ij n'kkZus ds çko/kku ds çlkj dh lqfo/kk vkSj fuos'k mrkj&p<+ko vkjf{kr fuf/k

¼vkbZ,Qvkj½ dk fuekZ.k & ukckMZ ds vkHkkj11 dqy —f"k _.k forj.k esa viuk fgLlk c<+kus ds fy, y?kq vof/k lgdkjh _.k lajpuk ¼,lVhlhlh,l½

dks mi;qä leFkZu dh vko';drk gSA12 mÙkj&iwohZ {ks= ds lq–<+hdj.k ds fy, y?kq vof/k lgdkjh _.k lajpuk esa gkfy;k #>kuksa ij fo'ks"k

laxks"Bh vkSj lq>ko13 ,llhch] Mhlhlhch vkSj iSDl ds fy, ,p vkj uhfr ij jk"Vªh; laxks"Bh ¼jkT; ljdkjsa] ,llhch vkSj

pqfuUnk Mhlhlhch½

33

9-4-3- 13 ekpZ 2019 dks eqacbZ esa ukckMZ }kjk vk;ksftr lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd ds fy, çLrqr eqís%

9-4-4 o"kZ 2019&20 ds fy, dsaæh; ctV dh iwoZ la/;k ij ekuuh; dsaæh; foÙk ea=h dks çkFkfedrk ds eqíksa ij Kkiu%

ukckMZ }kjk 11 tqykbZ 2018 dks vk;ksftr lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd ds fy, çLrqr eqíksa ds vykok] ukckMZ

}kjk 13&03&2019 dks lgdkjh cSadksa dh vk;ksftr jk"Vªh; leh{kk cSBd esa çkFkfed —f"k _.k lfefr;ksa ds fy, ekuo lalk/ku

uhfr ij fn'kkfunsZ'k tkjh djus dh vko';drk FkhA

v/;{k]uS¶ld‚c us dsaæh; foÙk ea=h 2019&20 esa laHkkfor fuxeu ds fy, fuEufyf[kr eqíksa dks gy djus ds vuqjks/k ds lkFk dsaæh;foÙk ea=h dks ,d Kkiu çLrqr fd;k%v½ vk;dj&laca/kh eqís & fopkj ds fy,

1½ vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih dh cgkyh dh vko';drkA2½ vk;dj vf/kfu;e] 1961 dh /kkjk 80 lh ¼ ½ & xSj vuqlwfpr lgdkjh cSadksa ds ikl tek jkf'k dj&dVkSrh

gsrq ik= tekvksa esa 'kkfey djuk A3½ vk;dj vf/kfu;e] 1961 dh /kkjk 194 v ds çko/kkuksa ls ,llhch vkSj Mhlhlhch dks NwV nsus dh vko';drk A

vk½ C;kt vuqnku dh leh{kk] la'kks/ku vkSj iquxZBu dh vko';drk gS

b½ ØsfMV e‚fuVfjax O;oLFkk ¼lh,e,½ ds rgr ,Dlikstj ekunaMksa esa NwV dh vko';drk gSAbZ½ Hkkjr ljdkj }kjk vkoafVr vYikof/k lgdkjh xzkeh.k _.k ¼,lVhlhvkjlh½ fuf/k ds le; ij vuqeksnu dh

vko';drk vkSj egRoA rkfd ukckMZ ekSleh —f"k lapkyu ¼,l,vks½ds foÙkiks"k.k dks le; ls igys dj jkT;lgdkjh cSadksa ¼,llhch½ dks y?kq vof/k ¼,lVh½ iqufoZÙk ds çko/kku ds fy, okf"kZd uhfr rS;kj djus esa l{ke cuk lds A

m½ lgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk ,lVhlhlh,l dks vuq'kaflr iqu#)kj iSdst dh rtZij Mhlhlhch dks iquiwaZthdj.k lgk;rk c<+kus dh vko';drk1½ ih,lh,l Lrj ij iquiwaZthdj.k iSdst ds viw.kZ dk;kZUo;u dks iwjk djsaA2½ fjokboy iSdst dks iquthZfor djuk rkfd 'ks"k lkr jkT; ljdkjksa dks fjokboy iSdst dk fodYi pquus

dh vuqefr fey ldsAÅ½ dqy —f"k _.k laforj.k esa viuk fgLlk c<+kus ds fy, ,lVhlhlh,l dks mi;qä leFkZu dh vko';drk gSA,½ ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ ij foeqæhdj.k ds çfrdwy çHkko,s½ foÙkh; vkfLr;ksa dk çfrHkwfrdj.k vkSj iqujZpuk ,oa çfrHkwfr fgr dk çorZu vf/ku;e 2002 &_.kksa dh olwyh esa

lgdkjh lfefr;ksa dks lqfo/kk gks ] blds fy, la'kks/ku dh vko';drkvks½ ra=Kku dh –f"V ls vuqdwy cuus ds fy, jkT; lgdkjh cSadksa ¼,llhch½ vkSj Mhlhlhch dks foÙkh; lgk;rk dh

vko';drk gSA

'

'

' '

xxi

9-4-3- 13 ekpZ 2019 dks eqacbZ esa ukckMZ }kjk vk;ksftr lgdkjh cSadksa dh jk"Vªh; leh{kk cSBd ds fy, çLrqr eqís%

9-4-4 o"kZ 2019&20 ds fy, dsaæh; ctV dh iwoZ la/;k ij ekuuh; dsaæh; foÙk ea=h dks çkFkfedrk ds eqíksa ij Kkiu%

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

34

9-4-5 27&12&2018 dks vkjchvkbZ ds dsaæh; dk;kZy;] eqacbZ esa gqbZ cSBd ds nkSjku uS¶ld‚c }kjk vkjchvkbZ ds xouZj ds lkeus,lVhlhlh,l ls lacaf/kr dqN fpfUgr eqíksa dh çLrqfr%

Jh 'kfädkar nkl] vkbZ,,l] xouZj] vkjchvkbZ us xzkeh.k lgdkjh cSadksa vkSj 'kgjh lgdkjh cSadksa ds çfrfuf/k;ksa dksvkjchvkbZ ds dsaæh; dk;kZy; eqacbZ esa 27&12&2018 dks ijke'kZ ds fy, vkeaf=r fd;kA v/;{k] uS¶ld‚c vkSj çca/k funs'kd]uS¶ld‚c us vkea=.k ij ijke'kZ cSBd esa Hkkx fy;kA ikap ¼5½ o"kZ ds varjky ds ckn ijke'kZ cSBd fQj ls 'kq: dh xbZA dukZVd,llhch] egkjk"Vª ,llhch vkSj rfeyukMq ,llhch ds çca/k funs'kd ijke'kZ cSBd esa 'kkfey gq,A uS¶ld‚c us ,lVhlhlh,l lslacaf/kr fpfUgr eqís çLrqr fd,A xzkeh.k lgdkjh cSadksa ls lacaf/kr fuEufyf[kr eqíksa dks vkjchvkbZ dks çLrqr fd;k x;k Fkk%

1- _.k fuxjkuh O;oLFkk ¼lh,e,½ ds varxZr ,Dlikstj ekunaMksa esa NwV dh vko';drk2- Hkkjr ljdkj }kjk vkoafVr vYikof/k lgdkjh xzkeh.k _.k ¼,lVhlhvkjlh½ fuf/k ds le; ij vuqeksnu dh

vko';drk vkSj egRoA rkfd ukckMZ ekSleh —f"k lapkyu ¼,l,vks½ds foÙkiks"k.k dks le; ls igys dj jkT;lgdkjh cSadksa ¼,llhch½ dks y?kq vof/k ¼,lVh½ iqufoZÙk ds çko/kku ds fy, okf"kZd uhfr rS;kj djus esa l{ke cuklds A

3- lgdkjh _.k laLFkkuksa ds iqujks)kj ij VkLd QkslZ }kjk ,lVhlhlh,l dks iquthZfor iSdst dh rtZ ij ft-e-l-cSadksa dks iquiwaZthdj.k lgk;rk çnku djus ds fy, _.k NwV dk çHkko vko';d gS

4- fjokboy iSdst dks iquthZfor djuk rkfd 'ks"k lkr jkT; ljdkjksa dks fjokboy iSdst dk fodYi pquus dhvuqefr fey ldsA

5- C;kt vuqnku & leh{kk] lq/kkj vkSj iquxZBu dh vko';drk6- lHkh ik= jkT; lgdkjh cSadksa vkSj ik= ftyk e/;orhZ lgdkjh cSadksa dks vuqlwfpr fLFkfr nsus dh vko';drk gS A

7- fofu;ked dk;Z dsoy vkjchvkbZ gh djs A8- çkFkfed —f"k lk[k lfefr;ksa ¼ih,lh,l½ dk daI;wVjhdj.k9- dqy —f"k _.k laforj.k esa viuk fgLlk c<+kus ds fy, ,lVhlhlh,l dks mi;qä leFkZu dh vko';drk gS10- ftyk e/;orhZ lgdkjh cSadksa ¼Mhlhlhch½ ij foeqæhdj.k ds çfrdwy çHkko11- ekSfæd uhfr fooj.k xoZuj dh iwoZ&uhfr ijke'kZ 'kgjh lgdkjh cSadksa ¼;wlhch½] xzkeh.k lgdkjh] vkjvkjch

vkSj lw{e&foÙk laLFkkuksa ds çfrfuf/k;ksa ds lkFk cSBd: ijke'kZ dks fQj ls 'kq: djus dh vko';drk12- iSDl ds fy, ekuo lalk/ku uhfr & ekuo lalk/ku uhfr dks ykxw djus ds fy, jkT; ljdkjksa dks fn'kkfunsZ'k

tkjh djus dh vko';drk13- csly ekunaM & xzkeh.k lgdkjh cSadksa iwatksf[ke Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼lhvkj,vkj½

ekunaMksa ij ykxw gksus dh vko';drk ugha gS14- ljQslh vf/kfu;e 2002

;

;

;

;

9-4-5 27&12&2018 dks vkjchvkbZ ds dsaæh; dk;kZy;] eqacbZ esa gqbZ cSBd ds nkSjku uS¶ld‚c }kjk vkjchvkbZ ds xouZj ds lkeus,lVhlhlh,l ls lacaf/kr dqN fpfUgr eqíksa dh çLrqfr%

NAFSCOB

iqjLdkj jkT; lgdkjh cSad dk ukejkT; lgdkjh cSad dk ukeizFke iqjLdkjizFke iqjLdkj rsyaxkuk] jkT; lgdkjh cSad e;kZ-]gSnjkcknf}rh; iqjLdkjf}rh; iqjLdkj vka/kz izns’k lgdkjh cSad e;kZjkT; -] fot;okM+kr`rh; iqjLdkjr`rh; iqjLdkj egkjk"Vª jkT; lgdkjh cSad e;kZ -] eqacbZ

iqjLdkj jkT; lgdkjh cSadjkT; lgdkjh cSad dk ukedk ukevaMeku ,oa fudksckj jkT; lgdkjh cSad e;kZ-] iksVZ Cys;jizFke iqjLdkjizFke iqjLdkj

lexz dk;Z&fu"iknu iqjLdkj & Js.kh ¼2016&17IIlexz dk;Z&fu"iknu iqjLdkj & Js.kh ¼2016&17II ½

lexz dk;Z&fu"ilexz dk;Z&fu"iknu iqjLdkj & Js.kh ¼2016&17IIIknu iqjLdkj & Js.kh ¼2016&17III ½

35

9-4-6 uS¶ldkWc okf"kZd loksZre izn’kZu iqjLdkj 2016&17

jk-l-cSadksa dks okf"kZd dk;Z fu"iknu iqjLdkj 2016&17-

okf"kZd izn’kZu iqjLdkj% ftyk e/;orhZ lgdkjh cSad 2016&17-

uS¶ld‚c us mR—"V dk;Z djus okys ns'kHkj ds jklcSadksa] ft-e-l-cSadksa ,oa çkFkfed —f"k lk[k lfefr;ksa ds fy, okf"kZddk;Z çn'kZu iqjLdkjksa dh ;kstuk 'kq: dh A lnL; jkT; lgdkjh cSadksa ds fy, loksZR—"V çn'kZu iqjLdkj dh ;kstuk 1982&83 esa

gh 'kq: dj nh xbZ FkhA rnksijkar] o"kZ 1998&99 esa uS¶ld‚c us loksZR—"V dk;Z djus okyh çk-—-l-l- dks lqHkk"k ;kno iqjLdkj

;kstuk 'kq: dhA vkxs] uS¶ld‚c us ft-e-l-cSadksa ds fy, Hkh loksZR—"V dk;Z çn'kZu iqjLdkj ;kstuk,¡ o"kZ 2008&09 esa 'kq: dh AlkFk gh] d`-l-d-iz- laLFkkvksa dk izsjd izf’k{k.k iznku djus] {kerk fuekZ.k ds iz;klksa dh fn”kk es izf”k{k.k nsus] lgdkfjrk ds {ks= esdfeZ;ksa dh dq’kyrk c<kus] usr`Ro fodkl ,oa ekuo lal/kku izca/ku ,oa fodkl esa ;ksxnku dh ljkguk djus ds fy, uS¶ldkWc us2012&13 esa izf’k{k.k laLFkkvksa ds fy, *loksZRre iqjLdkj* dh ?kks"k.kk dh A

okf"kZd çn'kZu iqjLdkjksa dk mís'; cSadksa ds chp ,d lkFkZd vkSj LoLFk çfrLi/kkZ dks c<+kok nsuk vkSj muds dkedkt dksc<+kok nsuk gSA fotsrk ,llhch vkSj Mhlhlhch ds fy, okf"kZd çn'kZu iqjLdkj 2016&17 loZJs"B çn'kZu okys ih,lh,l ds fy,lqHkk"k ;kno iqjLdkj vkSj fotsrk ,lh,lVhvkbZ ds fy, loZJs"B çn'kZu iqjLdkj ,ulh;wvkbZ ds v/;{k M‚-paæ iky flag ;kno]lkaln ] Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c vkSj Jh vkj-veyksjikoukFku ] mi çca/k funs'kd] ukckMZ }kjk 20 tqykbZ] 2018 dksuS¶ld‚c dh cksMZ ehfVax ds ckn fuEufyf[kr ,llhch] Mhlhlhch vkSj ih,lh,l dks ;s iqjLdkj çnku fd, x, A

' '

' '

I.

II

9-4-6 uS¶ldkWc okf"kZd loksZre izn’kZu iqjLdkj 2016&17

jk-l-cSadksa dks okf"kZd dk;Z fu"iknu iqjLdkj 2016&17-

okf"kZd izn’kZu iqjLdkj% ftyk e/;orhZ lgdkjh cSad 2016&17-

I.

II

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

lexz dk;Z&fu"iknu iqjLdkj & ¼2016&17½lexz dk;Z&fu"iknu iqjLdkj & ¼2016&17½iqjLdkj cSad dk ukecSad dk uke

izFke iqjLdkj n vgenkckn ftyk e/;orhZ lgdkjh cSad e;kZ-] vgenkckn] xqtjkr

f}rh; iqjLdkj n —".kk ftyk e/;orhZ lgdkjh cSad e;kZ-] eNyhiVue] vka/kz çns'k

r`rh; iqjLdkj n djheuxj ftyk e/;orhZ lgdkjh cSad e;kZ -] djheuxj] rsyaxkuk

d`-d`-l-l-deZpkjh izf’k{k.k laLFkkvksa ¼deZpkjh izf’k{k.k laLFkkvksa ¼ACSTI½ dks loksZre izn’kZu½ dks loksZre izn’kZu iqjLdkj 2016&17izFke iqjLdkjizFke iqjLdkj —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ fgekpy çns'kf}rh; iqjLdkjf}rh; iqjLdkj —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ iatkcr`rh; iqjLdkjr`rh; iqjLdkj —f"k lgdkjh deZpkjh çf'k{k.k laLFkku ¼,lh,lVhvkbZ½ rfeyukMw

lqHkk”k ;knolqHkk”k ;kno iqjLdkj 2016&17iqjLdkj 2016&17izFke iqjLdkjizFke iqjLdkj oYyowj jk-l-cSad e;kZ- Ø- ds 91] ftYgk dksêk;e] dsjy

f}rh; iqjLdkj iSDl VsMyk jkeiqj] futkekckn ftyk] rsyaxkuk

r`rh; iqjLdkj AA520 ohjIieiy;e çkFkfed d`f”k _.k lferh ftYgk bjksM] rfey ukMq

36

NAFSCOB

III.

IV. ACSTI

loksZre izn’kZu ds fy, izk-d`-lk- lfefr ds fy, ^lqHkk”k ;kno iqjLdkj 2016&17-

d`-l- deZpkjh izf”k{k.k laLFkkvksa ¼ ½ dks loksZre izn”kZu iqjLdkj&2016&17-

9-5 uS¶ld‚c ds okf"kZd vke fudk;] fo'ks"k vke fudk;] funs'kd eaMy ,oa dk;Zdkjh dh cSBdsa %v okf"kZd vke fudk;%

uS¶ld‚c dh 55 okf"kZd vke lHkk 20 tqykbZ 2018 dks eqacbZ] egkjk"Vª esa vk;ksftr dh xbZ FkhA lkekU; fudk;dh cSBd esa vU; eqíksa ds lkFk&lkFk ] fuEufyf[kr dh ppkZ gqbZ%

oh

i)

ii)

iii)

iv)

v)

vi)

vii)

viii)

ix)

10 vxLr 2017 dks psUubZZ rfeyukMw esa vk;ksftr uSQldksc dh 54oha okf"kZd vke cSBd dh dk;Zokgh dh iqf"VdhAo"kZ 2017&2018 ds fy, ds ys[kk ijh{kdksa dh fjiksVZ vkSj ys[kk ijh{kdksa dk fooj.k ekuk vkSj vuqeksfnrfd;k vkSj ys[kk ijh{kdksa }kjk fd, x, fVIif.k;ksa ij vuqikyuAo"kZ 2017&2018 ds fy, uS¶ld‚c dh 55oha okf"kZd fjiksVZ ij fopkj djuk vkSj vuqeksnu djuk A

ds dke dh leh{kk dh vkSj o"kZ 2018&2019@nh?kZdkfyd ifjçs{; ;kstuk vkSj okf"kZd ifjpkyu;kstuk ds fy, xfrfof/k;ksa ds dk;ZØe rS;kj djukAo"kZ 2018&2019 ds fy, vk; vkSj O;; dk okf"kZd ctV dk fopkj vkSj vuqeksnuAo"kZ 2018&2019 ds fy, uS¶ld‚c ds [kkrksa ds lkafof/kd ys[kk ijh{kk ds fy, ys[kk ijh{kd fu;qä djuk vkSjmudk ikfjJfed r; djukAuS¶ld‚c dks okf"kZd lnL;rk vkSj ,vkbZ,e,,l ds rgr lnL; cSadksa }kjk ns; iqjkus cdk, vkSj vU; cdk, dkscês [kkrs fy[kus dk çLrko Amu deZpkfj;ksa dh lwph cukuk tks cksMZ ds lnL;ksa ;k eq[; dk;Zdkjh vf/kdkjh ds fj'rsnkj gSaA

ds cksMZ ij funs'kdksa dh [kkyh fLFkfr ds fy, pquko djkuk A

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

III.

IV. ACSTI

loksZre izn’kZu ds fy, izk-d`-lk- lfefr ds fy, ^lqHkk”k ;kno iqjLdkj 2016&17-

d`-l- deZpkjh izf”k{k.k laLFkkvksa ¼ ½ dks loksZre izn”kZu iqjLdkj&2016&17-

9-5 uS¶ld‚c ds okf"kZd vke fudk;] fo'ks"k vke fudk;] funs'kd eaMy ,oa dk;Zdkjh dh cSBdsa %v okf"kZd vke fudk;%

uS¶ld‚c dh 55 okf"kZd vke lHkk 20 tqykbZ 2018 dks eqacbZ] egkjk"Vª esa vk;ksftr dh xbZ FkhA lkekU; fudk;dh cSBd esa vU; eqíksa ds lkFk&lkFk ] fuEufyf[kr dh ppkZ gqbZ%

oh

frfFk LFkku? vçSy 27 2018 Hkqous'oj] vksfM'kk? tqykbZ 20 2018 eqacbZ] egkjk"Vª

fnlacj 11 2018 eqacbZ] egkjk"Vª

? ekpZ 01 2019 vgenkckn] xqtjkr?

37

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

c lapkyd eaMG %

ds funs'kd eaMy us 1 vçSy] 2018 ls ekpZ 31] 2019 rd o"kZ ds nkSjku pkj ckj viuh cSBd vk;ksftr dh] tSlkfd uhps crk;k x;k gS%

ds funs'kd eaMy dh cSBdksa us fofHkUu egRoiw.kZ uhfr;ksa vkSj ifjpkyu laca/kh eqíksa ij ppkZ dh vkSj lgdkjhlfefr;ksa] lg;ksx] xzkeh.k _.k] —f"k] cSafdax] ft-e-l-cSad ij foeqæhdj.k ds çHkko vkfn ls lacaf/kr ekeyksa ij ppkZ dhAvYidkfyd lgdkjh _.k lajpuk dh fLFkfr dh leh{kk djus ds fy,] vkSj fofHkUu uhfrxr QSlyksa vkfn ls mHkjus okys eqíksa dkslacksf/kr djus ds fy, mi;qä j.kuhfr;ksa dk fodkl djuk mfpr gSA cksMZ ds xSj&lnL;ksa ds lkFk funs'kd eaMy dh baVj&QslcSBdksa] tSls jk-l-cSadds v/;{k vkSj eq[; dk;Zdkjh Hkh lwphc) ,tsaMs ij fopkj @ fopkjksa vkSj foLr`r ppkZ ds çHkkoh vknku çnkudh lqfo/kk ds fy, vk;kstu fd;k x;k FkkA

o"kZ 2018&2019 ds nkSjku funs'kd eaMy dh cSBdksa esa ppkZ dh xbZ dqN egRoiw.kZ uhfr vkSj lapkyu laca/kh eqís gSa

vkjchvkbZ ds 2018&19 ds igys f}&ekfld ekSfæd uhfr oäO;Alwpuk miØeksa dks foÙkh; lwpuk çLrqr djus ds laca/k esa vkjchvkbZ dk ifji=A,U'kq;j iksVZy ds ek/;e ls =Sekfld varjky ij ,,y,e fjVuZ~l tek djus ds fy, ukckMZ ds funsZ'k A

v‚Q&lkbV fuxjkuh ¼vks,l,l½ fjVuZ tek djus ij ,U'kq;j iksVZy ls çn'kZu vkdyu fjiksVZ mRiUu djusdh lykg nsa Alhvkj,vkj dh x.kuk ds fy, tksf[ke Hkkj ds laca/k esa ukckMZ dk ifji=AfoÙkh; lk{kjrk dk;ZØeksa ds vk;kstu ds fy, foÙkh; lekos'ku QaM ¼,QvkbZ,Q½ ds rgr vuqnku lgk;rk &py jgh ;kstukvksa dh leh{kklkoZtfud foÙkh; çca/ku ç.kkyh ¼ih,Q,e,l½ ds ek/;e ls çR;{k ykHk gLrkarj.k ij ukckMZ dk ifji= &ih,Q,e,l dk lkoZtfud jksy&vkmVAo"kZ 2016&17 ds fy, deZpkjh çf'k{k.k laLFkkvksa dks loZJs"B çn'kZu iqjLdkj ds fy, twjh dh flQkfj'ksaAlgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdstds dk;kZUo;u dh fLFkfrA

uS¶ldkWc

uS¶ldkWc

� 27 vçSy] 2018 Hkqous'oj] vksfM'kkA1-2-3-

4-

5-6-

7-

8-9-

' '

c lapkyd eaMG %

27 vçSy] 2018 Hkqous'oj] vksfM'kkA1-2-3-

4-

5-6-

7-

8-9-

38

NAFSCOB

10-11-12-

13-

1-2-

3-4-

5-6-

7-

8-9-10-

11-12-13-14-

C;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k 7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísAjkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrA13 ekpZ 2018 dks eqacbZ esa vk;ksftr ÞiksLV lhch,l i;kZoj.k esa ,lVhlhlh,l ds ekuo lalk/ku ds vkdyu dsfy, ukckMZ dh LFkkiuk lfefr dh fjiksVZß ij jk"Vªh; laxks"Bh dh dk;ZokghA

LV‚dgkse] LohMu esa 3&6 flracj 2017 dks vk;ksftr lwpuk lapkj çkS|ksfxdh ¼vkbZlhVh½ vkSj lgdkjh cSadksa esa

fMftVyhdj.k dh vko';drk vkSj egRo ij jk"Vªh; laxks"Bh dh dk;Zokgh vkSj flQkfj'ksaA

Hkkjrh; fjtoZ cSad }kjk ekLVj fn'kk ds ,d Hkkx ds :i esa vius xzkgd dks tkusa ¼dsokbZlh½ fn'kk] 2016 A

Hkkjrh; fjtoZ cSad dk nwljk f}&ekfld ekSfæd uhfr oäO;] 2018&19A¼Hkkjr baVjQsl Q‚j euh½ ij ukxfjdksa ds fy, jsQjy cksul ;kstuk vkSj O;kikfj;ksa ds fy,

dS'kcSd ;kstuk dk foLrkj vkSj la'kks/kuft-e-l-cSadksa ds ikl ds fufnZ"V cSad uksV ds eqís ij vkjchvkbZ dh çkIr çfrfØ;kAukckMZ vf/kfu;e] 1981 dh /kkjk 27 ds rgr jkT; ljdkjksa dks lgdkjh _.k laLFkkvksa esa 'ks;j iwath ds ;ksxnkugsrq vof/k _.k dh Loh—fr ds fy, o"kZ 2018&19 dh uhfr %çk—frd vkinkvksa ls çHkkfor fdlkuksa dks jkgr mik;ksa ds fy, o"kZ 2018&19 ds fy, ukckMZ iqufoZÙk uhfrukckMZ }kjk jkT; lgdkjh cSadksa dks ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, vfrfjä y?kq vof/k¼,lVh½ iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfrAy?kq vof/k ¼vU;½ ds rgr fofHkUu mís';ksa ds foÙkiks"k.k ds fy, ukckMZ }kjk jkT; lgdkjh cSadksa dks vYidkfydiqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfrA2018&19 ds fy, ;kstukc) _.k ij jkT; lgdkjh cSadksa ds fy, ukckMZ dh iqufoZÙk uhfrAo"kZ 2018&19 ds nkSjku varfje vk/kkj ij y?kq vof/k Qly _.k ds fy, C;kt vuqnku ;kstuk dks tkjh j[kuk Algdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdstds dk;kZUo;u dh fLFkfrAC;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k 7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísAjkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrAjk"Vªh; lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh ½ ds lkekU; fudk; ds xBu ds fo"k; esa Hkkjr ljdkj dk vkns'kAo"kZ 2016&17 ds fy, jkT; lgdkjh cSadksa] ftyk dsaæh; lgdkjh cSadksa vkSj çkFkfed —f"k _.k lfefr;ksa dksloZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh flQkfj'ksaA

@

i.

"

"

vfrfjä ensa%

20 tqykbZ] 2018] eqacbZ] egkjk"Vª%�

BHIM BHIM

@

10-11-12-

13-

1-2-

3-4-

5-6-

7-

8-9-10-

11-12-13-14-

vfrfjä ensa%

20 tqykbZ] 2018] eqacbZ] egkjk"Vª%

39

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

15-

16-

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iwoksZÙkj {ks= ds fy, y?kq vof/k lgdkjh ØsfMV lajpuk esa gky ds #>ku vkSj lq–<+hdj.k ds fy, lq>ko mik;ij ,d laxks"Bh vk;ksftr djus ds çLrko ij fopkjA

xzkeh.k lgdkjh cSafdax ç.kkyh ds ,llh ,lVh lnL;ksa m/kkjdrkZvksa ds fy, ,d fo'ks"k laxks"Bh vk;ksftrdjus ds çLrko ij fopkjA

cSadksa ds fuos'k lafoHkkx ds oxhZdj.k] ewY;kadu vkSj ifjpkyu ds fy, foosdiw.kZ ekunaM ,eVh,e gkfu dkfoHkktu ¼LçsfMax½ vkSj fuos'k vfLFkjrk fjtoZ ¼vkbZ,Qvkj½ dk l`tuAfoÙkh; vklwpuk bdkbZ&Hkkjr ¼ ½dk cgq jkT; lgdkjh lfefr;ksa vf/kfu;e 2002 ds rgr iath—rcgq&jkT; lgdkjh lfefr;ksa dks] 2002 dh /kkjk 2 ds rgr Js.kh ds varxZr fjiksfVaZx laLFkkvksa ds :i esa iath—rdjus ds fy, Ik= Afdlkuksa dh vk; dks nksxquk djus ds fy, fMftVy ,xzhehfM;k }kjk fodflr ,xzhehfM;k eksckby ,iAuS¶ld‚c }kjk çk-—-l-l- lsVvi gsrq ekuo lalk/ku uhfr rS;kj djus ds fy, lfefr dh fLFkfrAjkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa esa tksf[ke dh jksdFkke] lHkh rqyui=srj ¼vksch,l½

ysunsuksa ds çdVhdj.k vkSj lkbcj lqj{kk ds ckjs esa ukckMZ ds fn'kkfunsZ'k funsZ'kA

d`f"k lgdkjh deZpkjh çf'k{k.k laLFkku] fr#ouariqje lgdkjh lfefr;ksa esa lnL; _.kxzLrrk ij v/;;udjus dk çLrkoA

vkjchvkbZ ds 2018&19 dk rhljk vkSj pkSFkk f}&ekfld ekSfæd uhfr oäO;Avuqlwfpr lgdkjh cSadksa ds fy, pyfuf/k lek;kstu lqfo/kk ¼,y,,Q½ vkSj lhekar LFkk;h lqfo/kk ¼,e,l,Q½miyC/k djk;k tkukAHkkjrh; fjtoZ cSad ¼uksV okilh½ fu;e] 2009 esa la'kks/kuAukckMZ }kjk jkT; lgdkjh cSadksa dks ekSleh —f"k lapkyu ¼,l,vks½ ds foÙkiks"k.k ds fy, vfrfjä y?kq vof/k¼,lVh½ iqufoZÙk ds çko/kku ij o"kZ 2018&19 ds fy, ukckMZ uhfrAukckMZ }kjk nh?kkZof/k xzkeh.k lk[k dks"k ¼,yVhvkjlh,Q½ 2018&19 ij tkjh ifjpkyu laca/kh fn'kk&funsZ'kAukckMZ }kjk Lo;a lgk;rk lewg cSad lgc)rk dk;ZØe ij v|ru ekLVj ifji= Atkyh uksV idM+us rFkk mUgsa tCr djus ls lacaf/kr ukckMZ ds ekLVj ifji= 2018 esa lq/kkjA20 yk[k Hkhe vk/kkj is midj.kksa dh rSukrh gsrq foÙkh; lekos'ku fuf/k ds rgr lgk;rk ds fy, çksRlkgu ;kstukdh vof/k dks c<+kukA

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vfrfjä ensa%

11 fnlacj 2018] eqacbZ] egkjk"Vª%

FIU&IND

�

15-

16-

1-

2-

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6-

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5-6-7-8-

vfrfjä ensa%

11 fnlacj 2018] eqacbZ] egkjk"Vª%

40

NAFSCOB

f"k Dyhfud vkSj —f"k O;kikj dsaæ ¼,lh,chlh½ ;kstuk dks o"kZ 2018&19 ls o"kZ 2019&20 esa tkjh j[kukA

fV;j 5 vkSj fV;j 6 dsaæksa esa ihvks,l e'khuksa dh rSukrh ds fy, ,QvkbZ,Q ds rgr leFkZu fV;j 3 vkSj fV;j4 dsaæksa esa foLrkj A2018&19 ds nkSjku dsaæ çk;ksftr ;kstuk jk"Vªh; i'kq/ku fe'ku & bZMhbZth ?kVd ds dk;kZUo;u ds fy,ç'kklfud Loh—frA

,U'kq;j iksVZy ls çn'kZu vkdyu fjiksVZ mRiUu djus dh ukckMZ dh lwpuk lykg Aisa'ku fuf/k fofu;ked vkSj fodkl çkf/kdj.k ls çkIr lwpuk ftlds rgr lgdkjh cSadksa dks jkT;ksa esa vVy isa'ku;kstuk lsok çnkrk ds :i esa iath;u vkSj mudh lfØ;rk lqfuf'pr djus dk uS¶ld‚c ls vuqjks/k rkfd jkT;ksaesa bu ek/;eksa }kjk vVy isa'ku ;kstuk dh O;kid dojst lqfuf'pr gks lds Avle vkSj ukxkySaM jkT;ksa esa lgdkjh lfefr;ksa dh leL;kvksa vkSj laHkkoukvksa ij uSnkfud v/;;u djus ds fy,tu'kfä fodkl vkSj çca/ku laLFkku ¼,eMh,evkbZ½ dks uS¶ld‚c dh Loh—frAmÙkj&iwohZ {ks= esa jk-l- 'kh"kZ cSadksa ds çn'kZu] leL;kvksa vkSj laHkkoukvksa dk vkdyu djus ds fy, Hkkjrh; cSadçca/ku laLFkku] xqokgkVh dks uS¶ld‚c dh Loh—fr dks fofnr djukAlgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdstds dk;kZUo;u dh fLFkfrAC;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k 7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísAjkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrAçk-—-l-l- gsrq ekuo lalk/ku uhfr ij jk"Vªh; laxks"Bh dk vk;kstu% eqacbZ esa 11 fnlacj 2018 dks uS¶ld‚c }kjkxfBr lfefr dh fjiksVZA

vkjchvkbZ dk 2018&19 dk ikapok f}&ekfld ekSfæd uhfr oäO;A24 flracj 2018 dks vxjryk esa mÙkj iwohZ {ks= ¼flfDde vkSj vaMeku vkSj fudksckj lfgr½ esa jkT; lgdkjhcSadksa ds eq[; dk;Zdkjh vf/kdkfj;ksa dh jk"Vªh; leh{kk cSBd ls mRiUu dk;Zokgh vkSj dk;Z fcanqAç'kkar ,oa ,f'k;k {ks=ksa esa —f"k lgdkjh lfefr;ksa ds fodkl ds fy, usVodZ ¼ ,ubZMh,lh½] cSad‚d dh jkT;lgdkjh cSadksa }kjk lnL;rk A

vk;dj vf/kfu;e] 1961 dh /kkjk 194 , ds rgr ofj"B ukxfjdksa ds ekeys esa VhMh,l dVkSrh ds laca/k esa Hkkjrljdkj dh vf/klwpukA

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vfrfjä ensa%

01 ekpZ] 2019] vgenkckn] xqtjkr%�

9-

10-

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17-18-19-

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1-

vfrfjä ensa%

01 ekpZ] 2019] vgenkckn] xqtjkr%

41

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

2-3-4-5-

6-7-

8-9-10-11-12-13-

14-15-

16-17-

18-19-

1-

Hkkjr ljdkj dk cgq&jkT; lgdkjh lfefr;k¡ ¼la'kks/ku½ fo/ks;d] 2018Ao"kZ 2019&20 ds fy, varfje dsaæh; ctV dh eq[; fo'ks"krk,a vkSj blds fufgrkFkksaZ ij fopkj AHkkjrh; fjtoZ cSad dk Hkkjr esa cSafdax dh ço`fÙk vkSj çxfr ij fjiksVZ 2017&18 dk okf"kZd çdk'kuAHkkjrh; fjtoZ cSad dk lw{e] y?kq vkSj e/;e m|eksa ¼,e,l,ebZ½ {ks= ds vfxzeksa ds iquxZBu ij ifji=A

Hkkjrh; fjtoZ cSad ds MsfcV ØsfMV çhisM dkMZ ysunsu ds fy, Vksdu ij fn'kkfunsZ'kA27&12&2018 dks vkjchvkbZ ds dsaæh; dk;kZy;] eqacbZ esa vk;ksftr cSBd ds nkSjku uS¶ld‚c }kjk vkjchvkbZ dsxouZj dks lkSais x, ,lVhlh,l,l ls lacaf/kr vfHkfu/kkZfjr eqís AukckMZ }kjk tkjh çk—frd vkinkvksa ls çHkkfor {ks=ksa esa cSadksa }kjk jkgr mik;ksa ij fn'kkfunsZ'kA,uvkj,y,e baVjsLV lcosa'ku Ldhe & ukckMZ }kjk tkjh ;kstukc) _.k ds fy, iqufoZÙk uhfr & 2018&19AukckMZ }kjk tkjh ,xzhfDyfud ,aM ,xzhfctusl lsaVlZ Ldhe ij Hkkjr ljdkj ds la'kksf/kr fn'kkfunsZ'kAo"kZ 2019&20 ds fy, okf"kZd dsaæh; ctV dh iwoZ la/;k ij uS¶ld‚c }kjk dsaæh; foÙk ea=h dks lkSaik x;k KkiuA2018 ds nkSjku uS¶ld‚c }kjk fd, x, dk;Z dh eq[; fo'ks"krk,aAçk-—-l-l- gsrq ekuo lalk/ku uhfr ij jk"Vªh; laxks"Bh dk vk;kstu% eqacbZ esa 11 fnlacj 2018 dks uS¶ld‚c }kjkxfBr lfefr dh fjiksVZAçk-—-l-l- gsrq ekuo lalk/ku uhfr ij uS¶ld‚c }kjk xfBr lfefr dh vafre fjiksVZAo"kZ 2017&18 ds fy, jkT; lgdkjh cSadksa] ftyk dsaæh; lgdkjh cSadksa vkSj çkFkfed —f"k _.k lfefr;ksa dksloZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh flQkfj'ksaAo"kZ 2017&18 ds fy, ,lh,lVhvkbZ dks loZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh flQkfj'ksaAlgdkjh _.k laLFkkuksa ds iqu#)kj ij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds la'kksf/kr iqu#)kj iSdstds dk;kZUo;u dh fLFkfrAC;kt vuqnku vkSj lacaf/kr ekeyksa lfgr _.k vof/k vYidkfyd _.k 7 çfr'kr ls lacaf/kr fLFkfr vkSj eqísAjkT; lgdkjh cSadksa vkSj ftyk e/;orhZ lgdkjh cSadksa dks ykblsal vkSj vuqlwfpr fLFkfr çnku djus dh fLFkfrA

vkjchvkbZ dk 2018&19 dk N¡Vok f}&ekfld ekSfæd uhfr oäO;

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vfrfjä ensa%

v/;{k laxBuJh fnyhi la?kkuh] iwoZ lkaln] iwoZ ea=h] xqtjkr funs'kd] xqtjkr jkT; lgdkjh cSad e;kZfnr]

vgenkcknmik/;{k

Jh xkSre cksjk] iqoZ fo/kk;d ¼mÙkj&iwohZ {ks=½27&07&2012& 08&06&2015 ,oa 08&06&2015 lsvkxs

v/;{k] vle jkT; lgdkjh cSad e;kZfnr] xqokgkVh

Jh jes'k paæ pkScs ¼iwohZ {ks=½20&07&2018 ls

v/;{k] fcgkj jkT; lgdkjh cSad e;kZfnr] iVuk

Jh v'kksd ctkt ¼e/; {ks=½12&12&2018 rd

v/;{k] NÙkhlx<+ jkT; lgdkjh cSad e;kZfnr] jk;iqj

Jh fo|k/kj oh vuLdj ¼if'peh {ks=½01&03&2019 ls

ç'kkldegkjk"Vª jkT; lgdkjh cSad fy] eqacbZ

Jh ds,u jktUuk] iqoZ fo/kk;d ¼nf{k.kh {ks=½18&12&2015 ls

v/;{k] dukZVd jkT; lgdkjh cSad e;kZfnr] caxyq#

Jh [kq'kh jke cyukFk ¼mÙkjh {ks=½20&07&2018 ls

v/;{kfgekpy çns'k jkT; lgdkjh cSad e;kZfnrf'keyk

Jh ch lqczã.;e çca/k funs'kd] ] uoh eqEcbZuS¶ldkWc

42

NAFSCOB

d- dk;Zdkfj.kh lfefr

9-6 31 03 2019 dks uS¶LkdkWc ds inkf/kdkjh bl çdkj Fks %

o"kZ 2018&19 ds njE;ku uS¶Ldksc dh dk;Zdkfj.kh lfefr us 6 cSBdksa dk vk;kstu fd;k tks fuEukuqlkj gS %

- -

d- dk;Zdkfj.kh lfefr

9-6 31 03 2019 dks uS¶LkdkWc ds inkf/kdkjh bl çdkj Fks %- -

fnukad LFkku

27 vçSy] 2018 Hkqous'oj] vksfM'kk25 twu] 2018 ubZ fnYyh20 tqykbZ] 2018 eqacbZ] egkjk"Vª24 flracj] 2018 vxjryk] f=iqjk11 fnlacj] 2018 eqacbZ] egkjk"Vª01 ekpZ] 2019 vgenkckn] xqtjkr

43

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

9-7 Hkkjr ljdkj dh dsUnzh; {ks= ;kstuk ds rgr lgk;rk vuqnku %

ifjf'k"V& 11

9-8 lfefr@dk;Z lewg %

9-8-1 —f"k lgdkjh deZpkjh çf'k{k.k laLFkkuksa dks loZJs"B çn'kZu iqjLdkjksa dh uS¶ld‚c twjh%

Hkkjr ljdkj dsUnzh; {ks= ;kstuk ds ek/;e ls fpfUgr ;kstukvksa vkSj dk;ZØeksa ds fy;s jk"Vªh; Lrj ds lgdkjh

laxBuksa dks lgk;rk djrh gSA mDr ;kstuk ds rgr fu;kstu] vuqla/kku vkSj fodkl çdks"B esa izLrkfor fofHkUu fof'k"V

xfrfof/k;ksa gsrq —f"k vkSj lgdkfjrk foHkkx] —f"k ea=ky;] Hkkjr ljdkj ds ek/;e ls 1975 ls lgk;rk vuqnku izkIr dj jgk gSA

ftlesa o"kZ 2003&04 ]2004&05] 2010&11 vkSj 2013&14 viokn gSa] ftl nkSjku dks Hkkjr ljdkj dh lgk;rk dh mDr

;kstuk ds rgr lgk;rk vuqnku izkIr ugha gqvkA 2017&18 ds nkSjku] Hkkjr ljdkj us 40]00]000 #i;s lgk;rk vuqnku ds :i esa

tkjh fd;kA 1974&75 ls 2018&19 rd Hkkjr ljdkj ls izkIr lgk;rk vuqnku dk C;kSjk esa fn;k x;k gSA

uS¶ld‚c us 2012&13 ls ,lh,lVhvkbZ dks loZJs"B çn'kZu iqjLdkj dh ,d ;kstuk 'kq: dhA o"kZ 2012&13] 2013&14]

2014&15 ] 2015&16 vkSj 2016&17 ds iqjLdkj igys gh fotsrk ,lh,lVhvkbZ dks fn,tk pqds gSaA blds vykok] o"kZ 2017&18 ds

fy, ,lh,lVhvkbZ dks loZJs"B çn'kZu iqjLdkj dh ;kstuk tkjh j[kus dk Qslyk fd;kA ,lh,lVhvkbZ }kjk fd, x, ç;klksa dh

ljkguk djus ds fy, fuEufyf[kr lnL;ksa ds lkFk ,d Lora= twjh dks LFkkfir djus ds çLrko dks eatwjh nsus ds fy, Hkh gy fd;k

x;k Fkk vkSj bl çdkj nks ;k rhu mi;qä loZJs"B çn'kZu iqjLdkjksa dh flQkfj'k dh xbZ%

v½ Jh ch lqczã.;e% v/;{kçca/k funs'kd] uS¶ld‚c

vk½ egkfuns'kd] ,ulhlhVh lnL;

b½ funs'kd] xzkeh.k fodkl cSadj laLFkku lnL;¼chvkbZvkjMh½

bZ½ eq[; egkçca/kd] vkbZMhMh] ukckMZ lnL;

m½ M‚ usFkh eqjyh/kj lnL;rsyaxkuk ,llhch ds çca/k funs'kd

Å½ M‚ ,l ds cfr'k% lnL;iatkc ,llhch ds çca/k funs'kd

lgk;rk

uS¶ldkWc

uS¶ldkWc

' '

' '

9-7 Hkkjr ljdkj dh dsUnzh; {ks= ;kstuk ds rgr lgk;rk vuqnku %

ifjf'k"V& 11

9-8 lfefr@dk;Z lewg %

9-8-1 —f"k lgdkjh deZpkjh çf'k{k.k laLFkkuksa dks loZJs"B çn'kZu iqjLdkjksa dh uS¶ld‚c twjh%

44

NAFSCOB

, ½ M‚-vthr vkj ns'keq[k lnL;çca/k funs'kd] egkjk"Vª ,llhch

ds vf/kdkfj;ksa dh foLr`r tkudkjh esa nh xbZ gS A

funs'kd eaMy] dk;Zdkjh lfefr vkSj vU; vkarfjd lfefr;ksa vkSj dk;Z lewgksa }kjk fy, x, fu.kZ;ksa ds vuqlkj] uS¶ldkcus o"kZ ds nkSjku dbZ xfrfof/k;ksa@dk;ZØeksa dk vk;kstu fd;kA igys Hkh lgdkjh _.k vkSj cSafdax laLFkkuksa dhO;ogk;Zrk] ykHk] O;kolkf;drk] Lok;Ùkrk] yksdrkaf=d lsVvi ij fofHkUu uhfrxr igyksa ds fufgrkFkZ ij mPpre Lrj ij lacaf/krvf/kdkfj;ksa dks izfrosnu fn;k gS vkSj eqÌksa ds csgrj fuLrkj.k ds fy, muds ldkjkRed gLr{ksi dh ekax dh gSaA

o"kZ 2018&19 ds nkSjku]uS¶ld‚c us ctV&iwoZ ppkZ dh iwoZ la/;k ij dsaæh; foÙk ea=h dks egRo ds eqíksa ij çfrfuf/kRofd;k gS ftlesa vk;dj vf/kfu;e] 1961 dh /kkjk 80 ih ds rgr ,llhch vkSj Mhlhlhch dks NwV dh cgkyh] ,llhch vkSjMhlhlhch ds djk/kku dks çHkkfor djus laca/kh vU; eqíksa] Mhlhlhch ij foeqæhdj.k dk çHkko] lgdkjh _.k laLFkkuksa ds iqu#)kjij VkLd QkslZ }kjk vuq'kaflr ,lVhlhlh,l ds iqu#)kj iSdst dh fujarjrk] ,lVhlhlh,l dks dqy —f"k _.k forj.k esa mudsfgLls dks c<+kus ds fy, mi;qä leFkZu] ,llhch vkSj Mhlhlhch ds }kjk rduhdh :i ls vuqikyu gksus gsrq ljQslh vf/kfu;e2002 & la'kks/ku dh vko';drk] foÙkh; lgk;rk] C;kt vuqnku ;kstuk vkfn ls lacaf/kr eqísA

ds dk;kZy; esa fganh ds mi;ksx ds laca/k esa uhfr ds dk;kZUo;u ij —f"k vkSj lgdkfjrk foHkkx] —f"k ea=ky;]Hkkjr ljdkj ds funsZ'kksa ds vuqlkj] fuEufyf[kr dne mBk, x, gS%

dk;kZy; ç'kklu esa fgUnh ds mi;ksx ds laca/k esa xfrfof/k;ksa dk leUo; djus ds fy, vçSy 1992 ls uS¶ldkc esafganh lykgdkj lfefr xfBr dh xbZ gSA lfefr dks dk;kZy; ç'kklu] lnL; ,llhch vkSj muds la?kVdksa esafganh ds ç;ksx dh laHkkouk c<+kus dh ftEesnkjh lkSaih xbZ gSA

9-9 çca/k funs'kd ,oa uS¶LkdkWc ds inkf/kdkjh

çca/k funs'kd % Jh ch- lqczã.;e

ifjf'k"V&12

9-10- lgdkjh _.k vkSj cSafdax laLFkkvksa ls lacaf/kr egRoiw.kZ eqíksa ij Kkiu@ çfrfuf/kRo%

9-11- iwoZ ctV ijke'kZ & 2019&20 %

9-12- uS¶LkdkWc ds dk;kZy; esa fganh ds mi;ksx ds ckjs esa ljdkjh uhfr dk dk;kZUo;u%

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

i.

9-9 çca/k funs'kd ,oa uS¶LkdkWc ds inkf/kdkjh

çca/k funs'kd % Jh ch- lqczã.;e

ifjf'k"V&12

9-10- lgdkjh _.k vkSj cSafdax laLFkkvksa ls lacaf/kr egRoiw.kZ eqíksa ij Kkiu@ çfrfuf/kRo%

9-11- iwoZ ctV ijke'kZ & 2019&20 %

9-12- uS¶LkdkWc ds dk;kZy; esa fganh ds mi;ksx ds ckjs esa ljdkjh uhfr dk dk;kZUo;u%

45

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

ii.

iii.

iv.

v.

vi.

vii.

viii

ix.

x.

xi.

' '

ds lkbu cksMZ dks vaxzsth vkSj fganh Hkk"kkvksa esa n'kkZ;k x;k gSA gkykafd] bu lkbu cksMksZ dks tsdspsEcj lgdkjh gkmflax lkslk;Vh }kjk gVk fn;k x;k gS tgk¡ fLFkr gS]A

inkf/kdkfj;ksa ds in dk uke jcj LVkai Hkh fgUnh esa fd;k x;k gSA

ds mís';] xfrfof/k;ksa vkSj miyfC/k;ksa ds ckjs esa fooj.kh dk fganh esa vuqokn fd;k gS vkSj lnL;,llhch vkSj Hkkjr ljdkj dks Hkstk x;k FkkA

Hkkjr ljdkj ,oa lnL; ,llhch vkSj Mhlhlhch ls izkIr i=ksa dk laHko gn rd fganh esa tokc fn;k tkrk gSA

ds [kkrksa ds fooj.k ds lkFk okf"kZd fjiksVZ vkSj ys[kk ijh{kk fjiksVZ fganh esa vuqokfnr dh xbZ gS vkSj izfrHkkjr ljdkj dks Hkst nh xbZ gSA

us tuZy esa çdk'ku ds fy, fgUnh esa ys[k Hkstus dh vihy dh gSA

fgUnh esa foKkiu Hkh ^ ^ tuZy esa çdkf'kr fd, tk jgs gSa us tuZy esa ,d vyx fgUnhizHkkx 'kq: dj fn;kA

vYikof/k lgdkjh _.k laLFkkvksa ds çn'kZu ij ,d iqfLrdk fganh esa çdkf'kr dh xbZ gSA

us fganh fnol euk;k A

dk;kZy;hu i=kpkj esa fgUnh ds mi;ksx ds dk;kZUo;u ds fy, vf/kd xfrfof/k;ka 'kq: djus ds fy, dne mBk,tk jgs gSaA

us 2018&2019 ¼1 vizSy]2018 ls 31 ekpZ] 2019½ esa vYikof/k lgdkjh _.k lajpuk ds lapkyu ds fo"k; esaegRoiw.kZ igyqvksa@eqíksa ij fuEu v/;;u fjiksVZ@çdk'ku ,aM nLrkost rS;kj fd, A

1- ^jch vkSj [kjhQ Qlyksa ds fy, vYikof/k —f"k _.k ds laforj.k dh leh{kk% 2018&2019 Â2- ^jkT; lgdkjh cSadksa ds çn'kZu ij cqfu;knh MsVk% 2017&18A3- ^ftyk e/;orhZ lgdkjh cSadksa ds çn'kZu ij cqfu;knh MsVk% 2017&18A4- ^çkFkfed —f"k _.k laLFkkvksa ds çn'kZu ij cqfu;knh MsVk 2017&18A5- Hkkjr esa ftyk e/;orhZ lgdkjh cSadksa dhs ^funsZf'kdk 2018&19A6- ^Hkkjr esa jkT; lgdkjh cSad dh funsZf'kdk^ ¼=Sekfld½A7- çk-—-l-l- ds ekuo lalk/ku uhfr ds fy, ukckMZ }kjk LFkkfir lfefr dh fjiksVZ ij jk"Vªh; laxks"Bh dh i`"BHkwfe

lkexzhA8- iSDl ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, lfefr dh fjiksVZA

9- iSDl ds fy, ekuo lalk/ku uhfr ds dk;kZUo;u ds fy, ifjpkyu fn'kkfunsZ'k A

uS¶ldkWc nksuksauS¶ldkWc

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

uS¶ldkWc uS¶ldkWc

uS¶ldkWc uS¶ldkWc uS¶ldkWc

uS¶ldkWc

uS¶ldkWc

10- ;kstuk] vuqla/kku vkSj fodkl ¼ihvkjMh½ lsy%

46

NAFSCOB

10- vle vkSj ukxkySaM dh lgdkjh lfefr;ksa dh leL;kvksa vkSj laHkkoukvksa ij uSnkfud v/;;u ij fjiksVZA

11- lgdkfjrk esa lnL;ksa dh _.kxzLrrk ij ,d v/;;u *ij fjiksVZA

12- mÙkj iwohZ {ks= esa vYidkfyd lgdkjh ØsfMV lajpuk dk v/;;u ij fjiksVZA

13- Hkkjr esa vYidkfyd —f"k vfxzeksa esa jk-l-cSadksa dk olwyh laca/kh dk;Z&fu"iknu& ,d fo'ys"k.kA

14- Hkkjr esa —f"k _.k% ,lVhlhlh,l dh HkwfedkA

15- lgdkjh vkSj okf.kfT;d cSad vkSj lkekftd lqj{kk tek ;kstuk,aA

16- mÙkj iwohZ {ks= esa vYidkfyd lgdkjh _.k vkSj cSafdaxA

17- fdlku ØsfMV dkMZ & xzkeh.k lgdkjh cSadksa dh Hkwfedk% ,d voyksduA

18- iSDl ds fy, ekuo lalk/ku uhfr ij jk"Vªh; laxks"Bh dh dk;Zokgh% uS¶ld‚c }kjk xfBr lfefr dh fjiksVZ *A

19- xzkeh.k lgdkjh cSadksa ls lacaf/kr eqísA

20- xzkeh.k lgdkjh cSad Hkkjr esa orZeku fLFkfr vkSj etcwrh dh xqatkb'kA

dkWih izk:Ik esa ,llhch lnL; ,oa vU; }kjk mi;ksx ds fy, nLrkost miyC/k djkrk gSA us

lhMh esa fuEufyf[kr nLrkost mIyC/k djk;s gSa%

1½ jkT; lgdkjh cSadksa ds fy;s ifjpkyu iqfLrdk ¼la'kksf/kr 2013½A

2½ ÞjkT; lgdkjh cSadksa es tksf[ke çca/kuß gsrq çfr:i uhfr A

3½ ÞjkT; lgdkjh cSadksa esa Þlwpuk lqj{kk uhfrß gsrq çfr:i uhfr A

4½ vYikof/k lgdkjh _.k lajpuk esa Hkkjr ljdkj dh C;kt lgk;rk ;kstuk ds çHkko ds vkdyu ij v/;;u

fjiksVZA

5½ —f"k _.k esa lgdkjh lfefr;ksa ds fgLls dks c<+kus ds fy, jksMeSi & uS¶ld‚c }kjk vkarfjd lfefr dh ,d

fjiksVZA

6½ ,llhch Mhlhlhch ih,lh,l ds çn'kZu ij ewy MsVkA

7½ ,llhch Mhlhlhch dh funsZf'kdkA

1½ uS¶ld‚c }kjk xfBr çk-—-l-l- ds fy, ekuo lalk/ku uhfr rS;kj djus dh lfefr us vkB ckj cSBdsa dh vkSj

fofHkUu fgr/kkjdksa tSls jk-l-cSad] ft-e-l-cSad vkSj fpfUgr çk-—-l-l- ds çfrfuf/k] ukckMZ {ks=h; dk;kZy;]

" "

"

/ /

/

10-1 lkW¶V dkWih izk:Ik esa lwpuk dk izlkj%

11- lEesyu] laxksf"B;k¡] dk;Z'kkyk;sa ] xksy est lEokn] lHkk,¡] vkfn %

uS¶ldkWc uS¶ldkc

uS¶ld‚c us o"kZ 2018&19 ds nkSjku fuEufyf[kr lEesyuksa dk;Z'kkykvksa laxksf"B;ksa cSBdksa dk vk;kstu fd;k%

lkW¶V

/ / /

10-1 lkW¶V dkWih izk:Ik esa lwpuk dk izlkj%

11- lEesyu] laxksf"B;k¡] dk;Z'kkyk;sa ] xksy est lEokn] lHkk,¡] vkfn %

Ø-la- fnukad LFkku

1 11 vçSy] 2018 gSnjkckn] rsyaxkuk

2 27 vçSy] 2018 Hkqous'oj] vksfM'kk

3 16 ls 18 ebZ] 2018 y[kuÅ] mÙkj çns'k

4 22 ls 24 ebZ] 2018 f'kykax] es?kky;

5 11 ls 13 twu] 2018 ,ukZdqye] dsjy

6 15 twu] 2018 eqacbZ] egkjk"Vª

7 18 ls 20 twu] 2018 jkaph] >kj[kaM

8 21 twu] 2018 gSnjkckn] rsyaxkuk

47

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

lgdkjh lfefr;ksa ¼vkjlh,l½ ds jftLVªkj] —f"k lgdkjh deZpkjh çf'k{k.k çf'k{k.k laLFkku ¼,lh,lVhvkbZ½]

lgdkjh çf'k{k.k laLFkku ¼lhVhvkbZ ½] vU; çf'k{k.k lgdkjh laLFkku] deZpkjh la?kksa vkSj ;wfu;uksa ds çfrfuf/k;ksa

ds lkFk ppkZ dhA çk-—-l-l ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, lfefr dh cSBdksa dk dk;ZØe uhps

fn;k x;k gS%

2- uS¶ld‚c us 20 tqykbZ] 2018 dks eqacbZ esa o"kZ 2016&17 ds okf"kZd çn'kZu iqjLdkj fotsrk jk-l-cSadks vkSj ft-e-l-cSadksa] lqHkk"k ;kno vokMZ Q‚j csLV ijQ‚feaZx çk-—-l-l- vkSj fotsrk ,lh,lVhvkbZ dks çLrqr djus ds fy,,d fo'ks"k lekjksg dk vk;kstu fd;kA

3- o"kZ 2017&18 ds fy, jkT; lgdkjh cSadksa] ftyk dsaæh; lgdkjh cSadksa vkSj çkFkfed —f"k lk[k lfefr;ksadks loZJs"B çn'kZu iqjLdkjksa ij fopkj djus vkSj vuqeksfnr djus ds fy, vgenkckn esa 01&03&2019dks twjh dh cSBd vk;ksftr dh xbZ FkhA

4- o"kZ 2017&18 ds fy, ,lh,lVh,l dks çn'kZu ds fy, loZJs"B çn'kZu iqjLdkjksa ds fy, twjh dh cSBdvgenkckn esa 01&03&2019 dks vk;ksftr dh xbZ FkhA

5- 11 fnlacj] 2018 dks uS¶ld‚c }kjk eqacbZ esa çk-—-l-l- ds fy, ekuo lalk/ku uhfr% 11 fnlacj] 2018 dks

uS¶ld‚c }kjk eqacbZ esa çk-—-l-l ds fy, ekuo lalk/ku uhfr% uS¶ld‚c }kjk xfBr lfefr dh ,d fjiksVZ ijjk"Vªh; laxks"Bh dk ,d fnu dk jk"Vªh; laxks"Bh vk;ksftr fd;k x;k FkkA bl laxks"Bh dk mís'; çk-—-l-l ds

fy, ekuo lalk/ku uhfr ij lfefr }kjk dh xbZ flQkfj'ksa vkSj fjiksVZ dks Bhd vafre :i nsus ds fy, O;kidLrj ij ppkZ djuk Fkk A ukckMZ ds v/;{k M‚- g"kZ dqekj Hkkuokyk us jk"Vªh; laxks"Bh dk mn~?kkVu fd;kA laxks"Bhds çfrHkkxh jkT; lgdkjh cSadksa ds v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh Fks] dqN pqfuUnk ft-e-l-cSadksa ds v/;{k

'

' '

/

48

NAFSCOB

vkSj ;k eq[; dk;Zdkjh vf/kdkjh] çk-—-l-l ds çfrfuf/k vkSj vkjchvkbZ] ukckMZ] ,ulhMhlh] oSdqaB esgrk jk"Vªh;lgdkjh çca/ku laLFkku ds funs'kdksa ds çfrfuf/k; çeq[k lfpo] rfeyukMq ljdkj] lgdkjh lfefr;ksa ds

jftLVªkj ¼vkjlh,l½ vfrfjä vkjlh,l fo'ks"k vf/kdkjh mi jftLVªkj vkSj v/;{k] oh,l‚¶V VsDuksy‚thtçkbosV fyfeVsMA bu çfrfuf/k;ksa dh Hkkxhnkjh Lo&foÙkiks"k.k ds vk/kkj ij FkhA

lgdkjh _.k vkSj cSafdax {ks= vkfn ij fo'ks"k lqfo/kkvksa@ys[k] dsl LVMh] lwpuk@ MsVk lfgr ^xzkeh.k lgdkjh_.k vkSj cSafdax ds tuZy^ 'kh"kZd ls ,d =Sekfld if=dk izdkf'kr djrk gSA çLrqfr vkSj lgdkjh _.klaLFkkvksa ls lacaf/kr fofHkUu eqíksa ij if=dk dh lkexzh dh xq.koÙkk esa lq/kkj djus ds fy, ç;kl dj jgk gSA ^xzkeh.k lgdkjh _.kvkSj cSafdax ds tuZy^ Hkh cSafdax {ks=] vkfn esa muds çn'kZu] fu"d"kZ] vfHkuo cSafdax çFkkvksa vkSj uokpkjksa ds ckjs esatkudkjh dk çlkj djus ds fy, lnL; cSadksa] fofHkUu vU; lg;ksxh laxBuksa vkSj Hkh lgdkjh 'kks/kdrkZvksa ds fy, volj çnku

djrk gSA mDr tuZy esa bl rjg ds ¼ ½ laikndh;] ¼ ½ vkys[k ¼ ½ fons'k esa lgdkfjrk] ¼ ½ fo'ks"k [kcj ¼ ½ fjiksVZ ¼ ½ jk-l-

cSad ft-e-l-cSad dk çksQkby ¼ ½ dk;Z lewg@lfefr;ksa dh flQkfj'ksa ¼ ½ Kkiu] ¼ ½ Hkkjrh; fjtoZ cSad@ukckMZ ifji=

¼ ½ funs'kd eaMy dh cSBd vkSj fopkj&foe'kZ fd, x, eqísa ¼ ½ uS¶Ldksc ?kVukØe ¼ ½ dk;Zdkjh Mk;jh ¼ ½ lnL; cSadksa ls

lekpkj ¼ ½ lkaf[;dh] ¼ ½ fganh esa vkys[k@fo'ks"k lekpkj vkfn 'kkfey gSaSA tuZy dh ykxr dks O;ogk;Z vkSj lkFkZd cukusds fy, ,llhch dh lfØ; Hkkxhnkjh dh vko';drk eglwl dh tkrh gSA

ds çeq[k ifjpkyuksas dks daI;wVjh—r dj fn;k x;k gSA uS¶ldkWc dks jk-l-cSad vkSj ft-e-l-cSad ds ykHk ds fy,daI;wVjhdj.k ij igys ,Dlikstj vkSj vfHkfoU;kl dk;ZØe ds vk;kstu ds fy, Js; tkrk gSA o"kZ ds nkSjku] dsdaI;wVjhdj.k ds ek/;e ls viuh xfrfof/k;ksa ds foLrkj ds fy, vius Lo;a dhs dk;Z;kstuk gSA us jk-l-cSad] ft-e-l-cSadvkSj iSDl ds vk/kkjHkwr vkaadMksaa ds çdk'ku ds laca/k esa fotqvy csfld$ekbØksl‚¶V ,Dlsl$fØLVy fjiksV l‚¶Vos;j ls u;sl‚¶V~os;j dh vksj ifjorZu fd;k gSA ,d ,slk gksLVsM Ldsyscy osc vk/kkfjr ,Iyhds'ku dk çLrko tks jk-l-cSad] ft-e-l-cSad vkSjiSDl dks fo'ys”k.k ,oa fjiksfVZax ds fy, flLVe esa lh/ks MkVk buiqV djus dh lqfo/kk nsxk ;g ds fopkjk/khu gSAus vius vkbZVh t:jrksa dks fpfUgr fd;k gS vkSj eq[; dk;Zdykiksa dks daI;wVjh—r djus ij fopkj fd;k gS A gkyk¡fd]

dEI;wVjhdj.k dh xfrfof/k;ksa dk çca/ku djus ds fy, uS¶ld‚c vHkh Hkh mu {kerkvksa* dh ryk'k esa gSArnuqlkj ,d cgq mi;ksx usVofdZax iz.kkyh lfgr ,d i)fr LFkkfir dh xbZ gS vkSj ds lHkh vf/kdkfj;ksa dks

vius nSfud dk;Z djus ds fy, dEI;wVj iznku fd, x, gSA orZeku gkMZos;j vkSj lkW¶Vos;j dh leh{kk djrk gS vkSjblds lkFk&lkFk ds dk;kZy; esa daI;wVj iz.kkyh dks mUu;u djus dh vko';drk dh Hkh leh{kk djrk gS vkSj bldsmUu;u ds fy, vko';d dne mBkrk jgk gSA

/

/ / /

i ii iii iv v vi

/ vii viii ix

x xi xii xiii

xiv xv

'

12- ^xzkeh.k lgdkjh _.k vkSj cSafdax dk uS¶LkdkWc tuZy^ %

13- uS¶LkdkWc esa dEI;wVjhdj.k %

uS¶ldkWcuS¶ldkWc uS¶ldkWc

uS¶ldkWc

uS¶ldkWcuS¶ldkWc

uS¶ldkWc

uS¶ldkWc uS¶ldkWc

uS¶ldkWcuS¶ldkWc

uS¶ldkWc

12- ^xzkeh.k lgdkjh _.k vkSj cSafdax dk uS¶LkdkWc tuZy^ %

13- uS¶LkdkWc esa dEI;wVjhdj.k %

49

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

14- uS¶ldkWc }kjk çfrfuf/kRo vkSj lgHkkfxrk %

14-1- v/;{k%

14-2- v/;{k] us 1 vçSy] 2018 ls ekpZ 31] 2019 ds chp fuEukafdr cSBdksa lsfeukj lEesyuksa dk;Z'kkykvksa ,oadk;ZØeksa esa Hkkx fy;k%

uS¶ldkWc ds v/;{k vkSj izca/k funs'kd dks muds lacaf/kr inkuqlkj fofHkUu lfefr;ksa esa ukfer fd;k x;kA mUgksaausleh{kk/khu o"kZ ds nkSjku bu lfefr;ksa dh cSBdksa esa Hkkx fy;kA

Jh fnyhi la?kkuh] v/;{k] uS¶ldkWc fuEufyf[kr jk"Vªh; varjkZ"Vªh; Lrj ds laxBuksa ds lkekU; fudk;@funs'kdeaMy@'kklh fudk; esa izfrfuf/kRo djrs gS%&

Hkkjrh; jk"Vªh; lgdkjh la?k] ubZ fnYyhA

jk"Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½] ubZ fnYyhA

Hkkjrh; lgdkjh cSad] ubZ fnYyhA*

Hkkjrh; i;ZVu lgdkjh fyfeVsM ¼dwiVwj½] ubZ fnYyhA

jk"Vªh; fQYe ,oa yfyr dyk da- fyfeVsM] ¼,u,,Q,Q,lh½] ubZ fnYyhA

varjkZ"Vªh; lgdkjh ,yk;al ¼vkbZlh,½] ftusok] fLoV~tjySaM

varjkZ"Vªh; jk;Qsl la?k ¼vk;vkj;q½] c‚u] teZuh

v/;{k] uS¶ld‚c jk"Vªh; —f"k lgdkjh foi.ku la?k fyfeVsM ¼ ½ ds mik/;{k Hkh gSaA*M‚- fctsanj flag] iwoZ&fo/kk;d iwoZ v/;{k] ] funs'kd] ] v/;{k] fnYyh jk-l-cSad

1- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us 29 ebZ ls 1 twu] 2018 dks ysx] csfYt;e esa vk;ksftr 32osalhvkbZvkjbZlhbZlh varjkZ"Vªh; dkaxzsl esa Hkkx fy;kA

2- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us 29 ebZ] 2018 dks chbZbZ,l d‚i] 'ksjscsd] cqzlsYl dk nkSjk fd;kA

3- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us us'kuy dksv‚ijsfVo ;wfu;u v‚Q bafM;k ¼,ulh;wvkbZ ½] ubZ fnYyh esa 25twu] 2018 dks vk;ksftr 19 osa oSdqaB HkkbZ esgrk eseksfj;y O;k[;ku esa Hkkx fy;kA

4- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c] us 09 vxLr] 2018 dks e‚jh'kl esa jk"Vªh; lgdkjh d‚yst ds mn~?kkVulekjksg esa Hkkx fy;kA

5- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us ,ubZvkj ¼flfDde lfgr½ vkSj vaMeku vkSj fudksckj esa ,llhch ds

/

i.

ii.

iii.

iv.

v.

vi.

vii

NAFED

uS¶ld‚c uS¶ld‚c uS¶ld‚c dk izfrfu/khRo djrs gSA

uS¶ld‚c / / /

14- uS¶ldkWc }kjk çfrfuf/kRo vkSj lgHkkfxrk %

14-1- v/;{k%

14-2- v/;{k] us 1 vçSy] 2018 ls ekpZ 31] 2019 ds chp fuEukafdr cSBdksa lsfeukj lEesyuksa dk;Z'kkykvksa ,oadk;ZØeksa esa Hkkx fy;k%

uS¶ld‚c / / /

50

NAFSCOB

v/;{k vkSj eq[; dk;Zdkjh vf/kdkjh vkSj ljdkjh deZpkfj;ksa dh cSBd esa Hkkx fy;kA bldk 24 flracj] 2018dks vxjryk] f=iqjk esa ukckMZ }kjk vk;kstu fd;k x;k Fkk A

6- Jh fnyhi la?kkuh] uS¶ld‚c ds v/;{k] vkbZlh, dh egklHkk vkSj vesfjdk ds lgdkjh lfefr;ksa ds 5osa f'k[kjlEesyu esa 21 ls 26 vDVwcj] 2018 dks C;wul vk;lZ] vtsaZVhuk esa 'kkfey gq, A

7- Jh fnyhi la?kkuh]uS¶ld‚c ds v/;{k] 15 ls 16 uoacj] 2018 rd us'kuy QsMjs'ku v‚Q ,xzhdYpj lkbalst] ubZfnYyh esa vk;ksftr ,ubZMh,lh dh egklHkk vkSj dk;Zdfj.kh lfefr dh lHkk esa 'kkfey gq,A

8- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c] us 29 uoacj ls 05 fnlacj] 2018 rd gaxsjh ds cqMkisLV esa vk;ksftrlgdkjh lfefr;ksa esa ekuo lalk/ku uhfr ij varjkZ"Vªh; laxks"Bh esa Hkkx fy;kA

9- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c] egkjk"Vª jkT; lgdkjh cSad] eqacbZ esa 27&12&2018 dks çkjafHkd cSBd esa'kkfey gq,A

10- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c ] us 27&12&2018 dks vkjchvkbZ dsaæh; dk;kZy;] eqacbZ esa xouZj] vkjchvkbZds lkFk cSBd esa Hkkx fy;kA

11- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c] us 27&02&2019 dks ,ulhMhlh dh lkekU; ifj"kn dh cSBd esa Hkkx fy;kA

12- Jh fnyhi la?kkuh] v/;{k] uS¶ld‚c us 13 ekpZ] 2019 dks eqacbZ esa ukckMZ ds ç/kku dk;kZy; esa vk;ksftr jkT;lgdkjh cSadksa dh laxks"Bh&lg&leh{kk cSBd esa Hkkx fy;kA

Jh ch lqczã.;e] çca/k funs'kd] fuEufyf[kr jk"Vªh;@varjkZ"Vªh; Lrj ds laxBuksa esa dk çfrfuf/kRodjrs gSa%

lnL;] lykgdkj lfefr] —f"k cSafdax d‚ystA ¼lh,ch½] iq.ksA

,f'k;k vkSj ç'kkar xzkeh.k vkSj —f"k _.k ,lksfl,'ku ¼,ihvkj,lh,½] cSad‚d

—f"k lgdkfjrk fodkl usVodZ ¼,ubZMh,lh½] cSadkd A

varjkZ"Vªh; lg;ksx vkSj —f"k cSafdax çf'k{k.k dsUn ¼lhvkbZlhVh,ch½] iq.ksA

lnL;] lh&ihbZlh] cMZ] y[kuÅ }kjk ^lgdkjh çf'k{k.k laLFkku^ ds çR;k;u ¼lhVhvkbZ½ ds fy, ^çR;k;u cksMZÂ

1 gSnjkckn] rsyaxkuk esa 11 vçSy] 2018 dks vk;ksftr çkFkfed —f"k

14-3 çca/k funs'kd%

14-4- Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us 1 vizSy] 2018 ls 31 ekpZ 2019 ds nkSjku fuEufyf[krcSBdksa@lsfeukj@lEesyu@dk;Z'kkyk,a vkSj dk;ZØe esa Hkkx fy;k%

uS¶ldkWc uS¶ldkWc

Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us

i.

ii.

iii.

iv.

v.

14-3 çca/k funs'kd%

14-4- Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us 1 vizSy] 2018 ls 31 ekpZ 2019 ds nkSjku fuEufyf[krcSBdksa@lsfeukj@lEesyu@dk;Z'kkyk,a vkSj dk;ZØe esa Hkkx fy;k%

51

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

lk[k lfefr ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, uS¶ld‚c lfefr dh igyh cSBd es Hkkx fy;kA2 27 vçSy] 2018 dks vksfM'kk ds Hkqous'oj esa vk;ksftr ekuo lalk/ku

uhfr rS;kj djus ds fy, uS¶ld‚c lfefr dh nwljh3 01 ebZ] 2018 dks dukZVd jkT; d‚i ,isDl cSad fyfeVsM csaxyq#]

dukZVd dk nkSjk fd;kA A4 08 ebZ] 2018 dks rsyaxkuk jkT; d‚i ] ,isDl cSad fyfeVsM]

gSnjkckn] rsyaxkuk dk nkSjk fd;kA A5 16] 18 ebZ] 2018 dks y[kuÅ] mÙkj çns'k esa vk;ksftr çkFkfed

—f"k lk[k lfefr ds fy, ekuo lalk/ku uhfr dks rS;kj djus ds fy, uS¶ld‚c lfefr dh rhljh

6 22& 24 ebZ] 2018 dks es?kky; ds f'kykax esa vk;ksftr çkFkfed—f"k lk[k lfefr ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, uS¶ld‚c lfefr dh pkSFkh

7 32 oha lhvkbZvkjvkbZbZlh baVjus'kuy dkaxzsl 29 ebZ ls 01 twu]2018 dks csfYt;e ds ysxs esa

8 29 ebZ 2018 dks chbZbZ,l d‚i] 'ksjscsd] cqzlsYl dk nkSjk fd;kA9 11] 13 twu] 2018 dks ,ukZdqye] dsjy esa çkFkfed —f"k lk[k

lfefr ds fy, ekuo lalk/ku rS;kj djus ds fy, uS¶ld‚c lfefr dh ikapoha10 egkjk"Vª jkT; lgdkjh c Wad e;kZfnr esa vk;ksftr çkFkfed —f"k

lk[k lfefrds fy, ekuo lalk/ku uhfr dks djus ds fy, uS¶ld‚c lfefr dh NBh cSBd 15 twu] 2018dks ok’kh es lgHkkx fy;kA

11 18 ls 20 twu] 2018 dks jkaph] >kj[kaM esa vk;ksftr çkFkfed —f"klk[k lfefr ds fy, ekuo lalk/ku uhfr dks djus ds fy, uS¶ld‚c lfefr dh lkroha

12 21 twu] 2018 dks gSnjkckn] rsyaxkuk esa vk;ksftr çkFkfed —f"klk[k lfefr ds fy, ekuo lalk/ku uhfr rS;kj djus ds fy, uS¶ld‚c lfefr dh vkBoha

13 25 twu] 2018 dks us'kuy dksv‚ijsfVo ;wfu;u v‚Q bafM;k¼ ½] ubZ fnYyh esa vk;ksftr 19 osa oSdqaB HkkbZ esgrk eseksfj;y O;k[;ku esa Hkkx fy;kA

14 24 flracj] 2018 dks ukckMZ }kjk vxjryk] f=iqjk esa vk;ksftr jk-l-cSad ds v/;{k] lhbZvks dhcSBd esa Hkkx fy;kA

15 03 vDVwcj] 2018 dks gSnjkckn] rsyaxkuk esa iSDl ds fy, ekuolalk/ku uhfr rS;kj djus ds fy, lfefr dh cSBd esa Hkkx fy;kA

16 09 vDVwcj] 2018 dks dksyacks] Jhyadk esa vk;ksftr ,ihvkj,lh,

dh 70 oha dk;Zdkfj.kh lfefr vkSj 21 oha egklHkk esa Hkkx fy;kA

Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc uscSBd es Hkkx fy;kA



Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc uscSBd es Hkkx

fy;kAJh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us

cSBd es Hkkx fy;kAJh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us

Hkkx fy;kAJh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc usJh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us


rS;kj

Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc usrS;kj cSBd es Hkkx fy;kA

Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc uscSBd es Hkkx fy;kA


Jh ch lqczã.;e] çca/k funs'kd] uS¶ldkWc us,ubZvkj ¼flfDde lfgr½ vkSj vaMeku vkSj fudksckj esa jkT; ljdkj vf/kdkjh fd,



NCUI

52

17 21 ls 26 vDVwcj] 2018 dks vtsaZVhuk ds C;wul vk;lZ esa vk;ksftr

vkbZ,lh, egklHkk vkSj vesfjdk ds lgdkjh lfefr;ksa ds 5 osa f'k[kj lEesyu esa Hkkx fy;kA18 ikafMpsjh esa fFk# ,lA cldj] iwoZ th,e] ikafMpsjh ,llhch vkSj

fFk# ohA jk/kk—".ku] iwoZ th,e] ikafMpsjh ,llhch ds lkFk ijke'kZ cSBd esa Hkkx ysus ds fy, 09 ls 11 uoacj]

2018 rd vk;ksftr19 15 uoacj ls 16 uoacj] 2018 rd us'kuy ,dsMeh v‚Q ,xzhdYpj

lkbalst] ubZ fnYyh esa ,ubZMh,lh dh egklHkk vkSj dk;Zdkfj.kh lfefr dh cSBd esa Hkkx fy;kA20 29 uoacj ls 05 fnlacj] 2018 rd gaxsjh ds cqMkisLV esa vk;ksftr

lgdkjh lfefr;ksa esa ekuo lalk/ku uhfr ij varjkZ"Vªh; laxks"Bh esa Hkkx fy;kA21 27&12&2018 dks egkjk"Vª jkT; lgdkjh cSad] eqacbZ esa çkjafHkd

cSBd esa Hkkx fy;kA22 27&12&2018 dks vkjchvkbZ dsaæh; dk;kZy;] eqacbZ esa xoZuj]

vkjchvkbZ ds lkFk cSBd esa Hkkx fy;kA23 18 ls 25 tuojh] 2019 dh vof/k ds nkSjku vka/kz çns'k jkT; d‚Ik

cSad fyfeVsM] fot;okM+k vkSj n rsyaxkuk LVsV d‚i- ,isDl cSad fyfeVsM] gSnjkckn dk nkSjk fd;kA24 02 Qjojh] 2019 dks NÙkhlx<+ jkT; lgdkjh cSad e;kZfnr] jk;iqj

dk nkSjk fd;kA25 16 Qjojh] 2019 dks dukZVd jkT; d‚i ,isDl cSad fyfeVsM]

csaxyq# dk nkSjk fd;kA A26 22 Qjojh] 2019 dks ubZ fnYyh esa —f"k vkSj fdlku dY;k.k

ea=ky; esa vk;ksftr çca/k lfefr vkSj lkekU; ifj"kn dh cSBdksa esa Hkkx fy;kA27 06 vçSy ls 09 ekpZ] 2019 rd cSad‚d] FkkbZySaM esa vk;ksftr

,ubZMh,lh dh dk;Zdkfj.kh lfefr dh cSBd esa fgLlk fy;k A

31 ekpZ 2019 dks lekIr o"kZ ds fy, uS¶ldkWc us [kkrksa dh lkafof/kd ys[kk ijh{kk es- fugkj esgrk ,aM daiuh] pkVZMZ ys[kk]eqEcb }kjk dh xbZA 31 ekpZ 2019 dks lekIr o"kZ ds fy, vkSj ys[kk ijh{kk fjiksVZ ds fy, [kkrksa dk ys[kk ijhf{kr fooj.k vyx lsçLrqr fd;k tkrk gSA

31 ekpZ 2019 vkSj 31 ekpZ 2018 dks lekIr o"kZ ds fy, dh ifjlaifÙk;ksa vkSj nsunkfj;ksa ^vkSj^ vk; ,oa O;; dh rqyukRedfLFkfr fuEu rkfydk esa nh xbZ gS%












15- ys[kk vkSj foÙk%

NAFSCOB

53

laifRr ,oa nsunkfj;kalaifRr ,oa nsunkfj;ka

¼ yk[k esa½`¼ yk[k esa½`

ns;rk,adh rkjh[k ijdh rkjh[k ij

laifRrdh rkjh[k ijdh rkjh[k ij

fjtoZ vkSj vU; QaM 473-70 udnh vkSj cSad cSysal 11-85 34-33varjjk"Vªh; f'k{kkvkSj ,Dlikstj QaM

69-61fuos'k

493-63 478-13

ekStwnk nsunkfj;k¡vkSj çko/kku

55-57vftZr C;kt vkSjcdk;k

5-77 6-20

vk; ,oa O;; 42-51 vpy laifRr;ka 18-66 20-95Hkkjr ljdkj lsçkIrvuqnku&lgk;rk

07-97

466-27

78-86

61-02

32-08

20-00 dY;k.k dks”k 24-82 22-95

çk-—-lk-l- gsrq lqHkk"k;kno iqjLdkj

1-00 1-00

,Mokal] tekvkSj ,vkbZ,e,,cdk;k

17-63 18-67

jk"Vªh; laxks"Bh ds fy,,ulh;wvkbZ ls çkI;lgk;rk

------------- 1-00

iSDl jk"Vªh; laxks"Bh dsfy, ekuo lalk/kuuhfr rS;kj djus dsfy, ukckMZ ls çkI;lgk;rk

6-00

varjjk"Vªh; f'k{kk vkSj,Dlikstj QaM

70-00 75-00

dqy 649-36 658-23 dqy 649-36 658-23

31&03&2019 31&03&2018 31&03&2019 31&03&2018

-------------

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

dz adz a-la- C;kSjs 2018&19 2017&18 cnyko1 izcizca/ku dh ykxr%a/ku dh ykxr%

d½ osru50-82 51-38 &0-56-

[k½ ih-vkj-Mh- lsy [kkrk 56-12 63-50&7-38

x½ iz'kklfud rFkk vU; O;; 35-01 28-036-99

2 lnL;rk 'kqYd 9-12 8-92 0-23 dk;Z'kkykvksa@lEesyuksa@lsfeukj O;; 2-00 2-00 0-004 izdk'ku O;; 0-66 0-66 0-005 laifRr dj 0-58 0-58 0-006 cSBdksa ij O;; 4-65 4-79 &0-14

+

+

dz adz a-la- C;kSjk 2018&19 2017&18 cnyko1 okf"kZd lnL;rk 126-00 127-00 &1-00

2,vkbZ,e,,l lnL;rk@ços'k'kqYd

0-58 4-61 &4-03

3 fuos'k ij çkIr C;kt 44-30 39-47 4-834 Hkkjr ljdkj ls çkIr vuqnku 5-00 20-00 &15-005 ;ksxnku izkIr 2-77 4-02 &1-25

6

iSDl jk"Vªh; laxks"Bh ds fy,ekuo lalk/ku uhfr rS;kjdjus ds fy, ukckMZ ls çkI;lgk;rk

6-00 0-00 6-00

7jk"Vªh; laxks"Bh ds fy,,ulh;wvkbZ ls çkIr lgk;rk

2-00 2-00 0-00

8 dkWi laxBu ls izkIr ykHkka'k 0-15 0-15 0-009 ,vkbZ,e,,l izkfIr;ka 0-25 ----------- 0 -2510 vU; vk; 0-05 ---------- 0-05

dqqy 187-10 197-25 &10-15+

+

+

+

54

vk; ,oa O;; ys[kkvk;

vk; ,oa O;; ys[kkvk;


O;;¼ yk[k esa½`¼ yk[k esa½`

NAFSCOB

55

/;ku nsa%

1- mi;qZä ys[kk&tks[kk ls ;g ns[kk tk ldrk gS fd 31&03&2019 dks 16-04 yk[k #i;s ¼5-61 yk[k $10-43 yk[k #i;s½

dk ldy vf/k'ks"k gS tcfd 31&03&2018 dks ;g 33-74 yk[k #i;s Fkk A2- vf/k'ks"k ds fuiVkjs ds çko/kku ds vuqlkj%

,½ ldy vf/k'ks"k dk 25 lkekU; fjtoZ QaM esa LFkkukarfjr dj fn;k tkrk gSch½ ldy vf/k'ks"k dk 10 vçR;kf'kr ?kkVs dks iwjk djus ds fy, lkekU; fjtoZ QaM esa LFkkukarfjr dj fn;k tkrk

gSA3- fuoy vf/k'ks"k 10-43 yk[k #i;s gSA

4- o"kZ 2018&19 ds fy, dqy O;; fiNys o"kZ ds 163-51 yk[k #i;s ds eqdkcys 171-06 yk[k #i;s FkkA

5- ;kstuk] vuqla/kku vkSj fodkl çdks"B ds O;; dk fooj.k uhps fn;k x;k gS%

' '

' '

' '

%

%

/;ku nsa%


7 vpy laifÙk dk ewY;âkl 2-29 2-59 & 0-38 dkuwuh vkSj O;kolkf;d izHkkj 0-73 1-06 &0-33

9iSDl ds fy, ekuo lalk/ku uhfr rS;kjdjus dh fn'kk esa O;;

9-07 0-00 9-07

10 fjtoZ QaM esa LFkkukarj.k 5-61 11-81 &6-211 O;; ds i'pkr cph vk; 10-43 21-93 &11-5

dqqy 187-10 197-25 &10-15

+

dz adz a-la- C;kSjk 2018&19 2017&18 cnyko

1¼Vh, vkSj Mh, lfgr½ ihvkjMh lsy esa deZpkfj;ksads osru ,oa HkÙkk

50-32 59-12 &8-80

2eqæ.k vkSj LVs'kujh] Mkd ,oa rkj] çdk'ku]VsyhQksu vkfn-

3-07 2-80 0-27

3 lEesyu@dk;Z'kkyk,a@lsfeukj@çf'k{k.k vkfn 2-42 1-56 0-86

4jkl vkSj ftel cSadksa ds fy, okf"kZd çn'kZuiqjLdkj

0-31 ----- 0-31

dqy 56-12 63-48 &7-36

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

+

+

+

56

16- vkHkkj %

uS¶ldkWc ds funs'kd eaMy dh vksj ls

fnyhi la?kkuh] iwoZ lkaln] iwoZ ea=h] xqtjkrv/;{k

cksMZ] Hkkjr ljdkj] Hkkjrh; fjtoZ cSad rFkk jk"Vªh; —f"k ,oa xzkeh.k fodkl cSad ¼ukckMZ½ }kjk uS¶ldkWc dks fn, x,fujUrj lg;ksx ds fy, viuh d`rKrk Kkfir djrk gSA cksMZ o"kZ ds nkSjku Hkkjr ljdkj ls izkIr fujUrj lgk;rk o izksRlkgu gsrqvkHkkjh gSA cksMZ] dsUnzh; foRr ea=ky; ,oa dsUnzh; —f"k ea=ky; fo'ks"kdj lgdkfjrk foHkkx }kjk lgdkjh vYikof/k lk[k {ks= dsfodkl ds fy, iznf'kZr xgu :fp ds izfr Hkh viuk vkHkkj O;Dr djrk gSA cksMZ] vYikof/k lgdkjh volajpuk ds fodkl rFkkmUufr esa ukckMZ }kjk dh xbZ igy ,oa lnL; jkT; lgdkjh cSadksa ds lqn`<hdj.k ds iz;klksa esa uS¶ldkWc dks lgk;rk nsus ds fy,d`rKrk Kkfir djrk gSA blds vfrfjDr cksMZ] Hkkjrh; jk"Vªh; lgdkjh la?k ¼,ulh;wvkbZ½] Hkkjrh; lgdkjh cSad ¼dksch½] jk"Vªh;lgdkjh fodkl fuxe ¼,ulhMhlh½] jk"Vªh; lgdkjh çf'k{k.k ifj"kn ¼,ulhlhVh½] —f"k cSafdax egkfo|ky; ¼lh,ch½] cSdq.B esgrkjk"Vªh; lgdkjh izca/ku laLFkku ¼oSeuhdkWe½] Hkkjrh; cSad la?k ¼vkbZch,½] Hkkjrh; cSafdax o for laLFkku ¼vkbZvkbZch,Q½ ,oavarjkZ"Vªh; laxBuksa tSls varjkZ"Vªh; lgdkjh la?k ¼vkbZlh,½] vkbZlh] FkheSfVd desVh] varjkZ”Vªh; lgdkjh cSafdax la?k ¼vkbZlhch,½]vkbZlh, dk varjkZ"Vªh; lgdkjh d`f”k laxBu ¼vkbZlh,vks½] varjkZ"Vªh; jSQslu la?k ¼vkbZvkj;w½] ,f'k;k ,.M IkSlsfQd :jy ØsfMV,lksfl,'ku ¼,ihvkj,lh,½] ,f'k;k ,aM iSflQsd esa d`f”k lgdkjh lfefr fodkl gsrq {ks=h; usVodZ ¼,ubZMh,lh½] Hkkjrh; jk"Vªh;d`f”k lgdkjh foi.ku la?k ¼uSQsM½] jk"Vªh; fQYe o yfyr dyk lgdkjh fyfeVsM ¼,u,,Q,lh½] Hkkjrh; lgdkfjrk v/;;ulkslkbVh ¼vkbZ,l,llh½] Hkkjrh; Ik;ZVu lgdkjh fyfeVsM ¼lhvksvksihVhvks;wvkj½] varjkZ"Vªh; —f"k cSafdax lgdkfjrk o izf'k{k.kdsanz ¼lhvkbZlhVh,ch½ vkfn }kjk mlds lg;ksx ,oa lfUu/; ds fy, vkHkkjh gSA

uS¶ldkWc lHkh lnL; lgdkjh cSadksa ds eq[; dk;Zdkfj;ksa dh lfØ; Hkkxhnkjh ds dkj.k ,d la?kh; fudk; ds :Ik esa viuhHkwfedk izHkko'kkyh <ax ls fuHkk ldk gSA cksMZ lgdkjh lk[k {ks= esa ,d izHkkoh fudk; ds :Ik esa la?k fuekZ.k djus esa viuhopuc)rk ds izfr viuh d`rKrk Kkfir djrk gSA funs'kd eaMy ds ikap o"kZ ds dk;Zdky esa ls djhc&djhc ikap o"kZlQyrkiwoZd iwjs dj fy, x, gSa o bldk iwjk Js; lHkh lnL; ,llhch dh lgk;rk dks fn;k tk ldrk gSA uS¶ldkWc dh bl o"kZdh csgrj dk;Z fu”iknu miyfC/k Jh ch-lqczge.;e] izca/k funs'kd ds lrr iz;klksa ,oa lefiZr lsokvksa dk ifj.kke gSA cksMZ] mudhlsokvksa dh Hkjiwj iz'kalk djrk gSA cksMZ] lHkh Lrjksa ij deZpkfj;ksa }kjk fuHkkbZ xbZ izHkkoh Hkwfedk dh Hkh ljkguk djrk gS ,oa vkHkkjO;Dr djrk gSA

( )

16- vkHkkj %

uS¶ldkWc ds funs'kd eaMy dh vksj ls

fnyhi la?kkuh] iwoZ lkaln] iwoZ ea=h] xqtjkrv/;{k

( )

NAFSCOB

57

ifjf’k”V&1d`f”k mRiknu & ,d utj esa

¼2015&16 ls 2018&19½d`f”k mRiknu & ,d utj esa

¼2015&16 ls 2018&19½

¼fefy;u Vu½

yk[k xkWa B sa izR;sd fd-xzk-dhyk[k

lzksr vFkZ'kkL= ,oa lkaf[;dh funs'kky;] —f"k ,oa lgdkfjrk] —f"k ea=ky;] Hkkjr ljdkj

170izR;sd fd-xzk-dh180

:

*

** xkWa B sa

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

(http://agricoop.gov.in/sites/default/files/2ndADVEST201819_E.pdf))

Qly vafre vkdyu 2018&19

2015&16 2016&17 2017&18 y{; nwljkvfxzevuqeku

Pkkoy¼dqy½104-41 109-70 111-01 114-00 115-60

[kjhQ 91-41 96-30 96-48 99-00 101-96jch 13-00 13-40 14-53 15-00 13-63xsgwW 92-29 98-51 97-11 102-20 99-12eksVs vukt¼dqy½ 38-52 43-77 45-42 48-10 42-64[kjhQ 28-15 32-44 33-15 35-70 31-30jch 10-37 11-33 12-27 12-40 11-34nygu¼dqy½ 16-35 23-13 23-95 25-95 24-02[kjhQ 5-53 9-58 8-83 9-85 9-01jch 10-82 13-55 15-11 16-10 15-02[kk|vukt¼dqy½

251-57 275-11 277-49 290-25 281-37

[kjhQ 125-09 138-33 138-46 144-55 142-27jch 126-47 136-78 139-02 145-70 139-11frygu¼ukS½¼dqy½

252-51 312-76 298-82 359-99 315-02

[kjhQ 166-80 215-13 203-61 255-00 212-53jch 85-71 97-62 95-20 104-99 102-49vU;O;kolf;dQlysa ¼dqy½

3889-77 3496-08 3976-46 4317-00 4209-93

xUuk 3484-48 3060-69 3532-26 3850-00 3808-34dikl* 300-05 325-77 339-15 355-00 300-87twV esLrk ** 105-24 109-62 105-05 112-00 100-72

58

ifjf'k”V&2Ok”kZ 1935 ls cSad nj dh fLFkfrOk”kZ 1935 ls cSad nj dh fLFkfr

NAFSCOB

izHkkoh rkjh[k cSad nj ¼ ½

05&07&1935 3-50

28 11 1935 3-00

15 11 1951 3-50

16 05 1957 4-00

03 01 1963 4-50

26 09 1964 5-00

17 02 1965 6-00

02 03 1968 5-00

09 01 1971 6-00

31 05 1973 7-00

23 07 1974 9-00

12 07 1981 10-00

04 07 1991 11-00

09 10 1991 12-00

16 04 1997 11-00

26 06 1997 10-00

22 10 1997 9-00

17 01 1998 11-00

19 03 1998 10-50

03 04 1998 10-00

29 04 1998 9-00

02 03 1999 8-00

02 04 2000 7-00

22 07 2000 8-00

17 02 2001 7-50

izfr”kr

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

& &

02 03 2001 7-00

23 10 2001 6-50

30 10 2002 6-25

30 04 2003 6-00

2004 2005 6-00

2005 2006 6-00

2006 2007 6-00

2007 2008 6-00

2008 2009 6-00

2009 2010 6-00

2010 2011 6-00

2011&12 ¼13 02 2012 ls çHkkoh½ 9-50

2011&12 ¼17 04 12 ls çHkkoh½ 9-00

2012&13 ¼29 01 13 ls çHkkoh½ 8-75

2012&13 ¼19 03 13 ls çHkkoh½ 8-50

2012&13 ¼03 05 13 ls çHkkoh½ 8-25

2012&13 ¼15 07 13 ls çHkkoh½ 10-25

2012&13 ¼20 09 13 ls çHkkoh½ 9-50

2012&13 ¼07 10 13 ls çHkkoh½ 9-00

2012&13 ¼29 10 13 ls çHkkoh½ 8-75

2013&14 ¼28 01 14 ls çHkkoh½ 9-00

2013&14 ¼01 04 14 ls çHkkoh½ 9-00

2014&15 ¼15 01 15 ls çHkkoh½ 8-75

2014&15 ¼04 03 15 ls çHkkoh½ 8-50

2015&16 ¼02&06&2015 ls çHkkoh½ 8-25

2015-16 ¼29&09&2015 ls çHkkoh½ 7-75

2016-17 04 10 2016 ls çHkkoh 6-75

2017-18 02 08 2017 ls çHkkoh 6-25

& &

& &

& &

& &

&

&

&

&

&

&

&

& &

& &20

& &20

& &20

& &20

& &20

& &20

& &20

& &20

& &20

& &20

& &20

& &20

¼ & & ½

¼ & & ½

lzksr% fjtoZ cSad vkWa Q bafM;klzksr% fjtoZ cSad vkWa Q bafM;k

59

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

fuoy ekax le; ns;rk ijlhvkjvkj ¼izfr’kr½ ls izHkkoh ¼izkjaHk i{k½

udn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr&tqykbZ 1935 lsudn vkjf{kr vuqikr ¼lhvkjvkj½ dh fLFkfr&tqykbZ 1935 lsifjf'k"V&3

60

d½ MhVh dk 5-00izfr”kr ¼[k½ MhVh dk 2-

00 izfr”kr

05 tqykbZ]1935 a) 5.00% of DT ( b)

2.00% of DT

July 05, 1935


00 izfr”kr @@

06 ekpZ]1960 a) 5.00% of DT (

b) 2.00% of DT @

March 06, 1960


00 izfr”kr @

06 ebZ]1960 a) 5.00% of DT

(b) 2.00% of DT @

May 06, 1960


00 izfr”kr@

uoEcj 11]1960 a) 5.00% of DT (b)

2.00% of DT

November 11, 1960

3-00 16 flrEcj]1962 3.00 September 16, 1962

5-00 29 twu]1973 5.00 June 29, 1973



5-00 01 tqykbZ]1974 5.00 July 01, 1974

4-50 14 fnlEcj]1974 4.50 December 14, 1974

4-00 28 fnlEcj]1974 4.00 December 28, 1974


6-00 13 uoEcj]1976 6.00 November 13, 1976

6-00@ 14 tuojh]1977 6.00 @ January 14, 1977

6-00@ 01 tqykbZ]1978 6.00 @ July 01, 1978

6-00@ 05 twu]1979 6.00 @ June 05, 1979

6-50 31 tqykbZ]1981 6.50 July 31, 1981

7-00 21 vxLr]1981 7.00 August 21, 1981

7-25 27 uoEcj]1981 7.25 November 27, 1981

7-50 25 fnlEcj]1981 7.50 December 25, 1981

7-75 29 tuojh]1982 7.75 January 29, 1982

7-25 09 vizSy]1982 7.25 April 09, 1982

7-00 11 twu]1982 7.00 June 11, 1982

NAFSCOB

61

7-50 27 ebZ]1983 7.50 May 27, 1983

8-00 29 tqykbZ]1983 8.00 July 29, 1983

8-50 27 vxLr]1983 8.50 August 27, 1983

8-50@ 12 uoEcj]1983 8.50 @ November 12, 1983

9-00@ 04 Qjojh]1984 9.00 @ February 04, 1984

9-00@ 27 vDVwcj]1984 9.00 @ October 27, 1984

9-00@ 01 fnlEcj]1984 9.00 @ December 01, 1984

9-00@ 26 vDVwcj]1985 9.00 @ October 26, 1985

9-00@ 22 uoEcj]1986 9.00 @ November 22, 1986

9-50@ 28 Qjojh]1987 9.50 @ February 28, 1987

9-50@ 23 ebZ]1987 9.50 @ May 23, 1987

10-00@ vDVwcj 24]1987 10.00 @ October 24, 1987

10-00@ vçSy 23]1988 10.00 @ April 23, 1988

10-50@ tqykbZ 2 ]1988 10.50 @ July 02, 1988

11-00@ 30 tqykbZ]1988 11.00 @ July 30, 1988

15-00@ 01 tqykbZ]1989 15.00 @ July 01, 1989

15-00@ 04 ebZ]1991 15.00 @ May 04, 1991

15-00@ 11 tuojh]1992 15.00 @ January 11, 1992

15-00@ 21 vizSy]1992 15.00 @ April 21, 1992

15-00@ 08 vDVwcj]1992 15.00 @ October 08, 1992

14-50 17 vizSy]1993 14.50 April 17, 1993

14-50 11 twu]1994 14.50 June 11, 1994

14-75 09 tqykbZ]1994 14.75 July 9, 1994

15-00 06 vxLr]1994 15.00 August 6, 1994

14-50 11 uoEcj]1995 14.50 November 11, 1995

14-00 09 fnlEcj]1995 14.00 December 9, 1995

13-50 27 vizSy]1996 13.50 April 27, 1996

13-00 11 ebZ]1996 13.00 May 11, 1996

12-00 06 tqykbZ]1996 12.00 July 6, 1996

11-50 26 vDVwcj]1996 11.50 October 26, 1996

11-00 09 uoEcj]1996 11.00 November 9, 1996

10-50 04 tuojh]1997 10.50 January 4, 1997

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

62

10-00 18 tuojh]1997 10.00 January 18, 1997

9-75 25 vDVwcj]1997 9.75 October 25, 1997

9-50 22 uoEcj]1997 9.50 November 22, 1997

10-00 06 fnlEcj]1997 10.00 December 06, 1997

10-50 17 tuojh]1998 10.50 January 17, 1998

10-25 28 ekpZ]1998 10.25 March 28, 1998

10-00 11 vizSy]1998 10.00 April 11, 1998

11-00 29 vxLr]1998 11.00 August 29, 1998

10-50 13 ekpZ]1999 10.50 March 13, 1999

10-00 08 ebZ]1999 10.00 May 8, 1999

9-50 06 uoEcj]1999 9.50 November 6, 1999

9-00 20 uoEcj]1999 9.00 November 20, 1999

8-50 08 vizSy]2000 8.50 April 08, 2000

8-00 22 vizSy]2000 8.00 April 22, 2000

8-25 29 tqykbZ]2000 8.25 July 29, 2000

8-50 12 vxLr]2000 8.50 August 12, 2000

8-25 24 Qjojh] 2001 8.25 February 24, 2001

8-00 10 ekpZ] 2001 8.00 March 10, 2001

7-50 19 ebZ] 2001 7.50 May 19, 2001

5-75 03 uoEcj] 2001 5.75 November 3, 2001

5-50 29 fnlEcj] 2001 5.50 December 29, 2001

3-00 31 fnlEcj] 2001# 3.00 December 31, 2001 #

5-50 12 tuojh] 2002 5.50 January 12, 2002

5-00 01 twu] 2002 5.00 June 01, 2002

4-75 16 uoEcj] 2002 4.75 November 16, 2002

4-50 14 twu] 2003 4.50 June 14, 2003

5-00 02 vDVwcj]2004 5.00 October 02, 2004

5-00 2004&2005 5.00 2004-2005

5-00 2005&2006 5.00 2005-2006

5-25 23 fnlEcj]2006 5.25 December 23, 2006

5-50 06 tuojh] 2007 5.50 January 06, 2007

5-75 17 Qjojh] 2007 5.75 February 17, 2007

NAFSCOB

63

6-00 03 ekpZ] 2007 6. 00 March 03, 2007

6-25 14 vizSy]2007 6. 25 April 14, 2007

6-50 28 vizSy]2007 6. 50 April 28, 2007

7-00 04 vxLr]2007 7. 00 August 04, 2007

7-50 10 uoEcj]2007 7. 50 November 10, 2007

7-75 26 vizSy]2008 7. 75 26-04-2008

8-00 10 ebZ]2008 8. 00 10-05-2008

8-25 24 ebZ] 2008 8. 25 24-05-2008

8-50 05 tqykbZ] 2008 8. 50 05-07-2008

8-75 19 tqykbZ] 2008 8. 75 19-07-2008

9-00 30 vxLr] 2008 9. 00 30-08-2008

8-50 11 vDVwcj] 2008 8. 50 11-10-2008

7-50 11 vDVwcj] 2008 7. 50 11-10-2008

6-50 11 vDVwcj] 2008 6. 50 11-10-2008

6-00 25 vDVwcj] 2008 6. 00 25-10-2008

5-50 08 uoEcj] 2008 5. 50 08-11-2008

5-00 17 tuojh] 2009 5. 00 17-01-2009

5-50 13 Qjojh] 2010 5. 50 13-02-2010

5-75 27 Qjojh] 2010 5. 75 27-02-2010

6-00 24 vizSy]2010 6. 00 24-04-2010

5-50 28 tuojh] 2012 5. 50 28-01-2012

4-75 10 ekpZ] 2012 4. 75 10-03-2012

4-50 22 flrEcj]2012 4. 50 22-09-2012

4-25 03 uoEcj]2012 4. 25 03-11-2012

4-00 09 Qjojh] 2013 4. 00 09-02-2013

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

64

fVIi.kh%i

ii

iii

iv #:

v

vi

vii

viii

ix

x

xi

xii

xiii

xiv

xv

xvi

xvii

xviii

xix

xx

xxi

Mh,y% ekWx ns;rkVh,y% le; ns;rk

o/kZeku ,uMhVh,y ij lhvkjvkj dh vfrfjDr udn vko”;drkvksa ds lkFkA31 fnlEcj] 2001 vuqlwfpr ,llhch ds fy, lhvkjvkj dk U;wure lkaosfnd Lrj cuk;s j[kus dh NwV okil ys yh xbZ gS

rFkk mUgs 1 tuojh] 2002 ls okf.kfT;d cSadksa ds Lrj ij yxk;k x;k gSaAcSad nj 6 ¼12-02-2012 rd½cSad nj 9 ¼28-01-2014 ls ½cSad nj 8-50 ¼04-03-2015 ls ½cSad nj 8-25 ¼02-06-2015 ls½cSad nj 7-75 ¼ 29-09-2015 ls½cSad nj 6-75 ¼ 08-02-2017 ls½cSad nj 6-50 ¼ 07-06-2017 ls½cSad nj 6-25 ¼ 02-08-2017 ls½jsiks nj& 8 vkSj fjolZ jsiks nj 7 28-01-2014 lsjsiks nj& 7-75 vkSj fjolZ jsiks nj 6-75 15-01-2015 lsjsiks nj& 7-70 vkSj fjolZ jsiks nj 6-50 04-03-2015 lsjsiks nj& 7-25 vkSj fjolZ jsiks nj 6-25 02-06-2015 lsjsiks nj& 6-50 vkSj fjolZ jsiks nj 6-00 29-09-2015 lsjsiks nj& 6-25 vkSj fjolZ jsiks nj 5-75 04-10-2016 lsjsiks nj& 6-25 vkSj fjolZ jsiks nj 6-00 06-04-2017 lsjsiks nj& 6-00 vkSj fjolZ jsiks nj 5-75 02-08-2017 lsHkkjrh; lek”kks/ku fuxe ds lkFk ¼leikf’oZd d`r dkysVjkbtM cksajksbax ,aM ySfMax ns;rk ¼lhch,yvksa½es dkjksckj ls mRiUuokf.kfT;d cSadksa dh ns;rk,a 21uoEcj] 2009 ls izkjaHHk i{k ¼vkjchvkbZ e/;orhZ iquZjh{kk 27-10-2009½ ls lhvkjvkj ds vuqj{k.kds v/khu gSA½

@

%

%

%

%

%

%

%

%

% %

% %

% %

% %

% %

% %

% %

% %

vuqlwfpr okf.kfT;d cSadksa ds fy, ,l,yvkj%d½ 2008 11 08 rd ,l,yvkj & 25[k½ ,l,yvkj 2008 11 08 ls 2009 11 07 ds fy, & 24x½ 2009 11 07 ls ,l,yvkj & 25?k½ 2010 12 18 ls ,l,yvkj & 24bZ½ 11-08-2012 ls ,l,yvkj & 23p½ 14-06-2014 ls ,l,yvkj & 22-50N½ vuqlwfpr lgdkjh cSadksa ds fy, ,l,yvkj 25 gksuk tkjh gS]t½ vuqlwfpr lgdkjh cSadksa ds fy, ,l,yvkj 2014 12 07 & 22-50i½ lgdkjh cSadksa ds fy, ,l,yvkj 09&08&2014 ls & 22-00ts½ lgdkjh cSadksa ds fy, ,l,yvkj 07&02&2015 ls & 21-50ds½ lgdkjh cSadksa ds fy, ,l,yvkj 04&10&2016 ls & 20-75,y½ lgdkjh cSadksa ds fy, ,l,yvkj 07&11&2016 ls & 20-50,e ½ lgdkjh cSadksa ds fy, ,l,yvkj 24&06&2017 ls & 20-00,u ½ lgdkjh cSadksa ds fy, ,l,yvkj 14&10&2017 ls & 19-50

cpr cSad & C;kt nj%d½ 03-05-2011 ls& 24-10-2011 rd 4[k½ 25-10-2011 ls cpr tek ij C;kt nj dks fu;a=.k eqä dj fn;k x;k gS

xSj&vuqlwfpr ,llhch,l vkSj lHkh Mhlhlhch ds fy, lhvkjvkj%12-07-2014 ls lhvkjvkj 3-00 ls 4-00 ¼ 110 07-51-020 2013&14 5 twu] 2014½

/ /

/

/ /

/

%

w-e-f-

/ / / /

/ /

/

/

%

%

%

%

%

%

%

%

%

%

%

%

%

%

d½ RPCD-RCB-BC-No-

NAFSCOB

,l-Vh-¼,l-,-vks½,l-Vh-¼ vfrfjä ,l-

,-vks ½ ,l-Vh-¼vU;½

Ø-la-

jkT; dkuke Lohd`r

lhekvf/kdrevf/k’ks”k&¼mi;ksfxrk½

Lohd`rlhek

vf/kdrevf/k’ks”k&¼mi;ksfxrk½

Lohd`rlhek

vf/kdrevf/k’ks”k&¼mi;ksfxrk½

1 2 3 4 5 6 7

1 vka/kzizns’k 342500 342500 54000 218500 90000 230200

2vaMeku ,aofudksckj

200 200 0 0 0 0

3 vle 300 300 0 0 0 0

4 fcgkj 8100 8100 1800 0 0 0

5 NRrhlx<+ 105500 105500 3600 12300 1500 5000

6 xqtjkr 250000 250000 240000 214422 0 0

7 gfj;k.kk 395000 395000 81000 159600 5000 13600

8fgekpyizns’k

45000 45000 3600 6000 0 0

9 dukZVd 350000 350000 12000 286588 10000 30000

10 dsjy 150000 150000 18000 5400 70000 92500

11 e/;izns'k 470000 470000 243000 641543 10000 38480

12 egkjk"Vª 300000 300000 3000 139077 0 0

13 es?kky; 700 700 0 0 0 0

14 fetksje 300 300 0 0 0 0

15 ukxkySaM 500 500 0 0 0 0

16 vksfM'kk 492146 492146 231000 447000 0 0

17 ikafMpsjh 0 0 0 0 0 0

18 iatkc 342629 342629 30000 25770 0 0

19 jktLFkku 482508 482508 120000 97555 0 0

20 flfDde 200 200 0 0 0 0

21 f=iqjk 3500 3500 1000 1000 0 0

22 rfey ukMw 210000 210000 12000 45000 0 0

23 rsyaxkuk 160000 160000 21000 26000 12500 25000

24 mRrj izns’k 193417 193417 6000 0 0 0

25 mRrjk[kaM 60000 60000 5000 10000 0 0

26if'pecaxky

137500 137500 12000 41205 1000 2500

dqy 4500000 4500000 1098000 2376960 200000 437280

L=ksr % ukckMZ

65

ifjf'k"V&4o”kZ 2018&19 ds nkSjku ,l-Vh-¼,l,vks½ ,lVh&cqudj] ,eVh ¼ ½ dh jkT;okj

Lohd`fr vkSj mi;ksx&jkT; lgdkjh cSad

अंतरणo”kZ 2018&19 ds nkSjku ,l-Vh-¼,l,vks½ ,lVh&cqudj] ,eVh ¼ ½ dh jkT;okj

Lohd`fr vkSj mi;ksx&jkT; lgdkjh cSad

अंतरण

¼ yk[k esa½`

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

66

ifjf'k"V&5

lgdkjh fodkl fuf/k ¼lhMh,Q½ & forfjr vuqnku dk fooj.k 31 ekpZ 2019 dkslgdkjh fodkl fuf/k ¼lhMh,Q½ & forfjr vuqnku dk fooj.k 31 ekpZ 2019 dks¼ yk[k esa½`

uksV% ¼&½ bafxr djrk gS] {ks=h; dk;kZy; }kjk myVk;k x;k çko/kkuL=ksr % ukckMZ

Ø-la-

jkT;

bUÝkLVªDpj

lqfo/kk¼ih,lh,

l½

,Dlikstj

foftV~l d‚i

d‚UÝsal/

lsfeukj/

vksMhvkbZ lks¶Vdksc ihMhlh lh &ihbZlh

dksi cSad}kjk

çf'k{k.k¼,lVhlhch /

lhlhch½

vU; dqy

1 2 3 4 5 6 7 8 9 10 11 12

1vaMeku,aofudksckj

1-07 0-00 0-00 0-00 0-00 0-00 0-00 3-40 0-42 4-89

2 vka/kzizns’k 14-62 8-56 0-47 15-00 58-02 2-12 0-00 3-52 0+ +49 102 +80

3 v#.kkpyçns'k 5 +31 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 5-31

4 vle 9 +54 0-00 0-00 0-00 0-00 0-00 0-00 2-46 0-00 12-005 fcgkj 0 +00 0-00 0-16 0-00 6-43 3-90 0-00 0-00 0-38 10-876 NRrhlx<+ 0-00 1-62 0-63 1-95 0-00 8-44 0-00 0-00 0-00 12-647 xksok 2-17 0-00 0-19 0-00 0-00 0-00 0-00 0-00 0-00 2-368 xqtjkr 9-15 14-75 0-00 0-00 97-55 1-28 0-00 0-00 0-00 122-739 gfj;k.kk 10-60 0-72 0-09 0-00 49-66 0-00 0-00 0-00 0-00 61-07

10 fgekpyizns’k 4-00 0-00 0-12 0-00 29-42 0-00 0-00 0-00 0-23 33-77

11 tEew vkSjd'ehj 0-00 0-00 0-73 0-00 0-00 0-00 0-00 2-81 0-03 3-57

12 >kj[kaM 2-58 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 2-5813 dukZVd 9-37 0-00 0-67 0-00 72-54 0-00 0-00 0-00 0-40 82-9814 dsjy 13-29 0-00 0-82 0-00 116-82 0-00 0-00 2-00 0-17 133-1015 e/;izns'k 0-00 0-00 0-61 0-00 31-19 0-00 0-00 0-00 0-00 31-8016 egkjk"Vª 0-00 3-00 2-00 3-31 77-06 0-00 0-00 0-00 0-00 85-3717 ef.kiqj 0-00 0-00 0-00 0-00 2-80 0-00 0-00 0-00 0-00 2-8018 es?kky; 0-00 0-00 0-00 0-00 0-00 4-97 0-00 0-00 0-00 4-9719 fe>ksje 10-00 0-00 0-00 0-00 0-00 1-20 0-00 0-00 1-83 13-0320 ukxkySaM 0-00 3-18 0-00 0-00 0-00 0-00 0-00 0-00 0-00 3-1821 vksfM'kk 15-00 35-99 7-70 0-00 44-23 0-00 0-00 0-00 0-00 102-9222 iatkc 14-21 1-91 0-00 0-00 73-00 0-00 0-00 0-00 0-00 89-1223 jktLFkku 0-00 0-00 0-32 0-00 9-15 6-61 0-00 0-00 0-00 16-0824 flfDde 3-95 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 3-9525 rfeyukMq 0-00 0-00 2-96 0-00 130-62 0-00 0-00 6-49 1-95 142-0226 rsyaxkuk 0-00 0-00 0-00 0-00 70-03 0-00 0-00 0-29 0-63 70-9526 f=iqjk 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-00 0-001327 mRrjk[kaM 4-85 0-00 0-93 3-03 15-16 0-00 0-00 0-00 0-07 24-04

28 mRrjizns’k 0-00 0-00 0-42 3-02 128-12 6-11 0-00 0-00 1-19 138-86

29 if'pecaxky 14-28 2-31 0-13 0-00 52-81 0-00 0-00 0-00 0-25 69-78

dqy 143-99 72-04 18-95 26-31 1064-61 34-63 0-00 20-97 8-04 1389-54chvkbZvkjMh &y[kuÅ]eSaxyksj]cksyiqjvkSj vU;fofo/kHkqxrku

0-00 0-00 9-00 0-00 0-00 0-00 119-68 146-03 1-42 276-13

dqy 143-99 72-04 26-31 31-58 1064-61 34-63 119-68 167-00 9-46 1665-67

NAFSCOB

fcgkj

NRrhlx<+

xksok

xqtjkr

gfj;k.kk

fgekpy izns’k

tEew vkSj d’ehj

>kj[akM

dukZVd

dsjy

e/; çns'k

egkjk"Vª

ef.kiqj

es?kky;

fetksje

ukxkySaM

ubZ fnYyh

vksfM’kk

iqn+nqpsjh

Iaktkc

jktLFkku

flfDde

rfeyukMq

rsyaxkuk

f=iqjk

mRrj izns’k

mRrjk[akM

if’pe caXkky

dqy

vkU/kz izns’k

vaMeku ,ao fudksckj

v:.kkpy izns’k

vle

lzksr% ukckMZ

lgdkjh cSadlgdkjh cSad {ks=h; xzkeh.k cSad{ks=h; xzkeh.k cSad dqy

tkjh dkMZtkjh dkMZtkjh dkMZtkjh dkMZtkjh dkMZtkjh dkMZjkT;@la?kdz adz a-la-

Loh—r jkf'kr jkf'kLoh—r jkf'kr jkf'kLoh—r jkf'kr jkf'k

67

ifjf’k”V & 6jkT;okj vkSj ,tsalhokj u, dslhlh & tkjh fd, vkSj cdk;k jk’kh 01 ,fizy 2018 ls 31 ekpZ 2019 ds njE;kujkT;okj vkSj ,tsalhokj u, dslhlh & tkjh fd, vkSj cdk;k jk’kh 01 ,fizy 2018 ls 31 ekpZ 2019 ds njE;ku

djksM esa½¼`

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

{ks=h; xz keh.k cSad{ks=h; xz keh.k cSad dqy

tkjh dkMZtkjh dkMZjkT;@la?kjkT; {ks=jkT;@la?kjkT; {ks=

cdk;k jk’khcdk;k jk’kh

lgdkjh cSadlgdkjh cSad

dza -l-dza -l-

tkjh dkMZtkjh dkMZ cdk;k jk’khcdk;k jk’kh cdk;k jk’khcdk;k jk’khtkjh dkMZtkjh dkMZ

lzksr% ukckMZ

vkU/kz izns’kvkU/kz izns’k

vaMeku ,ao fudksckjvaMeku ,ao fudksckj

v:.kkpy izns’kv:.kkpy izns’k

vle

fcgkj

Nrrhlx<+

xksok

xqtjkr

gfj;k.kk

fgekpy izns’kfgekpy izns’k

tEew vkSj d’ehjtEew vkSj d’ehj

>kj[akM

dukZVd

dsjy

e/; iznss’ke/; iznss’k

egkjk"Vª

ef.kiqj

es?kky;

fetksje

ukxkySaM

ubZ fnYyhubZ fnYyh

vksfM’kk

iqn+nqpsjh

I aktkc

jktLFkku

flfDde

rfeyukMq

rsyaxkuk

f=iqjk

mRrj izns’kmRrj izns’k

mRrjk[akM

if’pe caXkkyif’pe caXkky

dqy

jkT;okj vkSj ,tsalh&okj v‚ijsfVo ykbo dslhlh vkSj cdk;k lap;h jkf'k & 31 ekpZ 2019/jkT;okj vkSj ,tsalh&okj v‚ijsfVo ykbo dslhlh vkSj cdk;k lap;h jkf'k & 31 ekpZ 2019/¼ djksM+ esa½`

68

ifjf’k”V & 7

NAFSCOB

(31 ekpZ31 ekpZ dh fLFkfrdh fLFkfr )

x- lgdkjh vkSj vU;

[k- blesa ls ljdkjhd- dqy

vfrns; dk izfr'kr

Ø-laa-2017&18 ds

nkSjkuifjorhZ

2017&18 ds

o"kZ 2016&17dh rqyuk esa o"kZ

nkSjkufu"i{k o`f)

o"kZ 2016&17 dhrqyuk esa o"kZ2017&18

çfr'kr o`f)

1 2 3 4 5 6

1. 32 32 0 0.00

2. 843212 676006 -167206 -19.83

20375 24742 4367 21.43

822837 651264 -171573 -20.85

3.

485276 527805 42529 8.76

82431 89864 7433 9.02

4. 1245987 1330343 84356 6.77

5.

12168852 12060424 -108428 -0.89

3285352 4312855 1027503 31.28

8883500 7747569 -1135931 -12.79

6. 7543301 7122406 -420895 -5.58

7. 22085817 21578626 -507191 -2.30

8.

12254509 12795611 541102 4.42

10715487 11290554 575067 5.37

922644 891804 -30840 -3.34

616378 613253 -3125 -0.51

9.

12284182 12710714 426532 3.47

8961127 9195737 234610 2.62

2105970 2486374 380404 18.06

1217085 1028603 -188482 -15.49

10. 7412871 7253241 -159630 -2.15

11. 274037 418279 144242 52.64

12. 7686908 7671520 -15388 -0.20

13. 3.56 5.45 - 1.89

ifjorhZ2016&17 ds

nkSjkuifjorhZ

la[;klnL;rk ¼dqy½

d-lgdkjh lfefr;k¡

[k- O;fäxrçnÙk iwathd- dqy[k- blesa ls ljdkjhvkjf{krtek

m/kkjdk;Zdkjh iwath

_.k vkSj vfxze fuxZr

d- dqy[k- y?kq vkof/kd

x- e/; vkof/kd?k- vU;cdk;k _.kd- dqy[k- y?kq vkof/kd

x- e/; vkof/kd?k- vU;olwy _.k'ks"k ¼vfr ns;½ekax

ekax ds izfr vfr ns;

¼# yk[k esa½yk[k esa½

jkT; lgdkjh cSadksa dk o"kZ 2016&17 dh rqyuk esao"kZ 2017&18 ds nkSjku dk;Z&fu"iknu

jkT; lgdkjh cSadksa dk o"kZ 2016&17 dh rqyuk esao"kZ 2017&18 ds nkSjku dk;Z&fu"iknu

ifjf'k"V&8

69

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

ifjorhZ

2017&18 dsnkSjku

dk;Z&fu"iknu

o"kZ 2016&17dh rqyuk esao"kZ 2017&18ds nkSjkufu"i{k o`f)

o"kZ 2016&17dh rqyuk esa o"kZ2017&18 dsnkSjkuçfr'kr o`f)

la[;klnL;rk ¼dqy½

d-lgdkjh lfefr;k¡

[k-lgdkjh lfefr;k¡çnÙk iwathd- dqy[k- blesa ls ljdkjhvkjf{krtekd- dqy[k- blesa ls ljdkjh

x- lgdkjh vkSj vU;

m/kkjdk;Zdkjh iwath


d- dqy[k- y?kq vkof/kdx- e/; vkof/kd?k- vU;cdk;k _.kd- dqy[k- y?kq vkof/kdx- e/; vkof/kd?k- vU;olwy _.k'ks"k ¼vfr ns;½ekaxvfrns; dk izfr 'krekax ds izfr vfr ns;

1 2 3 4 5 6

1 363 363 0 0.00

2 3233864 3042226 -191638 -5.93

478374 472675 -5699 -1.19

2755490 2569551 -185939 -6.75

3

1469594 1590723 121129 8.24

207261 219071 11810 5.70

4 3344495 3532154 187659 5.61

5

31185774 34073787 2888013 9.26

17791932 18916545 1124613 6.32

13393842 15157242 1763400 13.17

6 8482033 8591798 109765 1.29

7 45521345 48321027 2799682 6.15

8

25328240 24205851 -1122389 -4.43

20171408 18863148 -1308260 -6.49

3163284 3395389 232105 7.34

1993548 1947314 -46234 -2.32

9

24444587 26019789 1575202 6.44

15408115 16803084 1394969 9.05

6328441 6700119 371678 5.87

2708031 2516586 -191445 -7.07

10 16661479 17101526 440047 2.64

11 5071304 5690024 618720 12.20

12 21732783 22791550 1058767 4.87

13 23.33 24.97 - 1.63

2016&17 dsnkSjku

dk;Z&fu"iknuØ-laa-

(31 ekpZ31 ekpZ dh fLFkfrdh fLFkfr)

ifjf'k"V&9

¼#-yk[k esa½

ftyk e/;orhZ lgdkjh cSadksa dk çn'kZu 2017&18 cuke 2016&17ftyk e/;orhZ lgdkjh cSadksa dk çn'kZu 2017&18 cuke 2016&17

70

NAFSCOB

d. dqy

[k. buesa ,l-lh- ,l-Vh

x. buesa ,l-Vh.

çnÙk iwath

d- dqy

[k- blesa ls ljdkjh

vkjf{kr

tek

m/kkj

dk;Zdkjh iwath

_.k ysus okyksa dh la[;k ( 000 )


d- dqy

[k- y?kq vkof/kd

x- e/; vkof/kd

cdk;k _.k

d- dqy

[k- y?kq vkof/kd

x- e/; vkof/kd

olwy _.k

'ks"k

ekax

vfrns; dk izfr 'krekax ds izfr vfrns;

1 2 3 4 5 6

1. 95595 95238 -357 -0.37

2.

131235 130547 -688 -0.52

14998 14883 -115 -0.77

9316 9443 127 1.36

3.

1412155 1414200 2045 0.14

82924 80739 -2185 -2.63

4. 1886031 1679971 -206060 -10.93

5. 11588420 11963233 374813 3.23

6. 12483095 12833322 350227 2.81

7. 23996699 24356251 359552 1.50

8. 52017 50690 -1327 -2.55

9.

20067839 20732178 664339 3.31

15738899 16358429 619530 3.94

4328940 4373749 44809 1.04

10.

17045925 16962968 -82957 -0.49

12219391 12082325 -137066 -1.12

4826534 4880643 54109 1.12

11. 14717085 14883450 166365 1.13

12. 5329298 4791544 -537754 -10.09

13. 20046383 19674994 -371389 -1.85

14. 26.58 24.35 - -2.23

Ø-laa-

ifjorhZ

2016&17 dsnkSjku

dk;Z&fu"iknu

2017&18ds

nkSjkudk;Z&fu"iknu

o"kZ 2016&17 dhrqyuk esa o"kZ

2017&18 ds nkSjkufu"i{k o`f)

o"kZ 2016&17dh rqyuk esa o"kZ2017&18 ds nkSjku

çfr'kr o`f)

lnL;rk ( 000 )

lfefr;ksa dh la[;k

ifjf'k"V&10

¼31 ekpZ dh fLFkfr½¼31 ekpZ dh fLFkfr½ ¼#-yk[k esa½

çkFkfed —f"k lgdkjh lfefr;ksa dk dk;Z fu"iknu2017&18 cuke 2016&17

çkFkfed —f"k lgdkjh lfefr;ksa dk dk;Z fu"iknu2017&18 cuke 2016&17

71

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

72

ifjf'k"V&11

dsUnzh; {ks= ds varxZr vuqnku lgk;rkdsUnzh; {ks= ds varxZr vuqnku lgk;rk

1974&75 10]000-00

1975 76 25]000-00

1776 77 58]700-00

1977 78 63]014-00

1978 79 1]00]000-00

1979 80 1]15]000-00

1980 81 1]50]000-00

1981 82 2]40]000-00

1982 83 2]25]000-00

1983 84 2]30]000-00

1984 85 2]70]000-00

1985 86 2]92]000-00

1986 87 3]10]000-00

1987 88 3]20]000-00

1988 89 5]24]000-00

1989 90 6]25]000-00

1990 91 7]60]000-00

1991 92 10]00]000-00

1992 93 12]00]000-00

1993 94 10]00]000-00

1994 95 12]00]000-00

1995 96 15]00]000-00

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

o”kZ :i;s

NAFSCOB

73

******

Okk”kh] uoha eqEcabZ esa viuk ifjlj ysus ds fy, ,d eq”r lgk;rkd`f’k ea=ky;] d`f’k ,ao lgdkfjrk foHkkx] ubZ fnYyh ds ctV vkoaVu esa deh ds dkj.kdkj.k ugh crk, x,iwoksZÙkj jkT;ksa dh lkekU; Js.kh ds fy, 10]00]000] iwoksZÙkj jkT;ksa ds vykok tutkrh; {ks= ds fy, # 5]00]000 vkSj iwoksZÙkj jkT;ksa ds vykok ,llh,lih Js.kh ds fy, 5]00]000$

******

Okk”kh] uoha eqEcabZ esa viuk ifjlj ysus ds fy, ,d eq”r lgk;rkd`f’k ea=ky;] d`f’k ,ao lgdkfjrk foHkkx] ubZ fnYyh ds ctV vkoaVu esa deh ds dkj.kdkj.k ugh crk, x,iwoksZÙkj jkT;ksa dh lkekU; Js.kh ds fy, 10]00]000] iwoksZÙkj jkT;ksa ds vykok tutkrh; {ks= ds fy, # 5]00]000 vkSj iwoksZÙkj jkT;ksa ds vykok ,llh,lih Js.kh ds fy, 5]00]000$

1995 96 10]00]000-00

1996 97 15]00]000-00

1997 98 16]00]000-00

1998 99 11]00]000-00

1999 00 17]00]000-00

2000 01 9]50]000-00

2001 02 9]33]000-00

2002 03 20]00]000-00

2003 04 fujad

2004 05 fujad

2005 06 20]00]000-00

2006 07 20]00]000-00

2007 08 20]00]000-00

2008 09 15]80]000-00

2009 10 33]00]000-00

2010 11 fujad

2011 12 16]00]000-00

2012 13 16]00]000-00

2013 14 fujad

2014 15 5]00]000-00

2015 16 10]00]000-00

2016 17 10]50]000-00

2017 18 40]00]000-00

2018 19 5]00]000-00

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

&

*

**

**

**

**

**

***

***

$

56 ANNUAL REPORTTH

56 ANNUAL REPORTTH

ifjf'k"V&12

uS¶LkdkWc ds izac/k funs'kd ,ao vf/kdkjh ¼31 ekpZ 2019 ds vuqlkj½uS¶LkdkWc ds izac/k funs'kd ,ao vf/kdkjh ¼31 ekpZ 2019 ds vuqlkj½

74

dazdaz -la-

Ukke Iknuke O;kolkf;d bZ&O;kolkf;d bZ&esy

1 Jh ch-lqczge.;e Ikzca/k funs’kd sbhima nafscob@ .org

2 MkW-ts-,l-guek’ksV~Vh mi funs’kd [email protected]

3 Jh eukst dqekj lgk;d funs’kd manojks nafscob@ .org

4 Jh ch-ch- dne lgk;d funs’kd bbkadam nafscob@ .org

NAFSCOB

Role of Rural Cooperative Credit & Banking Institutes in Mitigating Agrarian Distress - (2015)Bhima Subrahmanyam

Model Risk Management Policy for State Cooperative Banks. (2015)

Model Information Security Policy of State Cooperative Banks (2015)

An Impact Assessment of Interest Subvention Scheme of GoI in STCCS (2016)

Roadmap to Enhance the Share of Cooperatives in Agricultural Credit - A Report of the Internal committee by NAFSCOB.

Proceedings of National Seminar on 'Report of the committee setup by NABARD for Assessment of Human Resources of STCCS

in the Post CBS Environment (2018).

Report of the committee set up by NAFSCOB to formulate Human Resource Policy for PACS (2018).

Proceedings of National Seminar on ‘Human Resource Policy for PACS: A Report of the Committee Set up by NAFSCOB’ (December 2018)

Human Resource Policy for PACS – Operational Guidelines for Implementation (2019).

Diagnostic Study on the Problems and Prospects of Cooperative Societies of Assam and Nagaland (2019)

Report on the Study of Short-Term Cooperative Credit Structure in North Eastern Region (2019).

82.

83.

84.

85.

86.

87.

88.

89.

91.

93.

92.

94.

95.

96.

97.

98.

99.

100.

101.

102.

103.

104.

105.

106.

107

108.

109.

110.

111.

90.

1. NO.OF DCCBs : 363

2. NO.OF BRANCHES

INCLUDING H.O. : 14293

3. MEMBERSHIP :

TOTAL : 3042226

COOPERATIVE : 472675

INDVL./GOI : 2569551

4. OWNED FUNDS : 5122877

5. DEPOSITS : 34073787

6. BORROWINGS : 8591798

7. LOANS ADV. : 24205851

8. LOANS OUTS : 26019789

9. PERG.OF OVR. :

TO DEMAND (%) : 24.97

10. EMPLOYEES : 82939

1. NO.OF SCBs : 32

2. NO.OF BRANCHES

INCLUDING H.O. : 1219

3. MEMBERSHIP :

TOTAL : 676006

COOPERATIVE : 24742

INDVL./GOI : 651264


5. DEPOSITS : 12060424


7. LOANS ADV. : 12795611

8. LOANS OUTS : 12710714

9. PERG.OF OVR.

TO DEMAND (%) : 5.45


(AMOUNT IN LAKHS)

MAIN FEATURES :

1. PRIMARY AGRICULTURAL CREDIT SOCIETIES

2. DISTRICT CENTRAL COOPERATIVE BANKS

3. STATE COOPERATIVE BANKS

4. NATIONAL FEDERATION OF STATE COOPERATIVE BANKS

..... ASSESMENT OF CREDIT NEEDS

..... DISBURSEMENT OF CREDIT TO MEMBERS

..... RECOVERY OF CREDIT

..... PROMOTE THE ECONOMIC INTERESTS OF THE MEMBERS

..... SERVE AS BALANCING CENTRE IN THE DISTRICT CENTRAL FINANCING AGENCIES

..... ORGANISE CREDIT TO PRIMARIES

..... CARRY OUT BANKING BUSINESS

..... SANCTION , MONITOR & CONTROL IMPLEMENTATION OF POLICIES

..... SERVE AS BALANCING CENTRE IN THE STATE

..... ORGANISE PROVISION OF CREDIT FOR CREDIT WORTHY FARMERS

..... CARRY OUT BANKING BUSINESS

..... LEADER OF THE COOPERATIVES IN THE STATE

..... PROVIDES A COMMON FORUM TO THE MEMBER BANKS

..... PROMOTES AND PROTECTS THE INTERESTS OF THE MEMBER BANKS

..... CO-ORDINATES AND LIAISON WITH GOVERNMENT OF INDIA ,RESERVE BANK OF INDIA , NATIONAL BANK AND OTHERS

..... PROVIDES RESEARCH AND CONSULTANCY INPUTS TO THE MEMBER BANKS

..... ORGANISES CONFERENCES/SEMINARS/WORKSHOPS/MEETINGS

(MEMBERSHIP & BORROWERS IN THOUSANDS)

PRIMARY SOCIETIES(PACS, FSS & LAMPS)

(31-3-2018)

DISTRICT CENTRALCOOPERATIVE BANKS

(31-3-2018)

STATE COOPERATIVE BANKS(31-3-2018)

1. NO.OF SOCIETIES : 95238

2. MEMBERSHIP : 130547


4. DEPOSITS : 11963233


6. LOANS ADV. : 20732178

7. LOANS OUTS : 16962968

8. PERG.OF OVR.

TO DEMAND (%) : 24.35


10. BORROWERS : 50690

Documents

NATIONAL FEDERATION OF STATE COOPERATIVE BANKS …nafscob.org/pubs/NAFSCOB Annual Report 2018-19.pdf · 2020-01-27 · 2. Shri Bhagat Singh Chairman Andaman & Nicobar State Cooperative