pdf processed with cutepdf evaluation edition … · v ghŸ b j¡a [zînmxhŸ ampñv`mo§ hŸm...

PDF processed with CutePDF evaluation edition www.CutePDF.com

http://www.cutepdf.com

{dîm`-dñVw n¥îR CONTENTS Page

g§. No.

{ZînmXZ d¡{ímîQ² 2013-14 2 Performance Highlights 2013-14 118

n«J{V HŸr EHŸ ÂmbHŸ 3 Performance at a glance 119

AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm g§Xoím 4 Message from the Chairman & Managing Director 120

gyMZm d {Qßn{Êm`m§ 6 Notice & Notes 122

{ZXoímHŸm| HŸr {anmoQ© 7 Director’s Report 123

H§ŸnZr ímmgZ na {ZXoímHŸ _§Sb HŸr {anmoQ© 25 Report of the Board of Directors on Corporate Governance 143

H§ŸnZr ímmgZ na bo»mm narúmHŸm| HŸm n«_mÊm nÍm 53 Auditors’ Certificate on Corporate Governance 174

VwbZ nÍm 54 Balance Sheet 175

bmäm d hm{Z bo»mm 55 Profit & Loss Account 176

VwbZ nÍm d bmäm d hm{Z bo»mo HŸr AZwgy{M`m§ 56 Schedules to Balance Sheet and Profit & Loss Account 177

_hËdnyÊm© bo»mm Zr{V`m§ 2013-14 64 Significant Accounting Policies 2013-14 185

bo»mm| na {Qßn{Êm`m§ 71 Notes on Accounts 193

ZHŸXr n«dmh {ddaÊm 93 Cash Flow Statement 217

bo»mm narúmHŸm| HŸr {anmoQ© 95 Report of the Auditors 219

~ogb II (ñV§äm 3) n«HŸQrHŸaÊm 97 Basel II (Pillar 3) Disclosures 221

B©grEg n«mêŸn 243 ECS Format 244

n«m°Šgr \Ÿm_© 245 Proxy Form 246

{dO`m ~¢HŸ VIJAYA BANK(^maV gaH ma H m CnH« _ A Government of India Undertaking)

à«YmZ H m`m©b` Head Offie, No. 41/2, E_ Or amoS M.G. Road, ~o§Jbyé Bengaluru - 560 001

\ moZ Phone : 080 – 2558 4066 (20 bmB©Z lines) \¡ Šg Fax : 080 – 2559 8040

do~gmB©Q Website : www.vijayabank.com

boIm narjHAUDITORS

_ogg© _wHwŸÝX E_ {MVmbo EÊS H§Ÿ.M/s. Mukund M Chitale & Co

_ogg© HŸam© EÊS H§Ÿ.M/s. Karra & Co

_ogg© EZ.gr.{_ËVbM/s. N C Mittal & Co

_ogg© HoŸnrE_gr EÊS Egmo{gEQ²gM/s. KPMC & Associates

n§Or`H d eo a A§VaU EOo§QREGISTRAR & SHARE TRANSFER AGENT

_ogg© {b§HŸ BZQmB©_ B§{S`m n«mBdoQ {b{_QoSM/s. Link Intime India Private Limited

gr-13, nÝZmbmb {gëHŸ {_ëg HŸ§nmCÝS,C-13, Pannalal Silk Mills Compound,

Eb ~r Eg amoS, äm§Swn (n{íM_)L B S Road, Bhandup (West)

_w§~B© - 400 078Mumbai – 400 078

\ŸmoZ Tel. (022) 25963838 \¡ŸŠg Fax : (022) 25946969

B©-_ob E-mail: [email protected]

ANNUAL GENERAL MEETING

Date : 27th June, 2014 Time : 11.00 AM.

Place : Mulki Sunder Ram Shetty Auditorium,Vijaya Bank, HO, 41/2, M G Road, Bengaluru - 560 001

dm{f©H gm_mÝ` ~¡RH H r gyMZm{XZm§HŸ : 27 OyZ, 2014 g_` : 11.00 ~Oo

ñÏmmZ : _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h,{dO`m ~¢HŸ, n«ÜmmZ HŸm`m©b`, 41/2, E_.Or.amoS, ~|Jbyé – 560 001

1

{ZînmXZ d¡{ímîQ² : 2013-14

HŸmamo~ma d¥{Õv 23.40% HŸs df© Xa df© d¥[Õ Xem©Vo hwE HwŸb HŸmamo~ma ` 2.00 bmI

HŸamoS HŸm _sbnËWa ñVa nma HŸaHoŸ `206721 HŸamoS ahm.

v 28.12% HŸs d¥[Õ Xem©Vo hwE HwŸb O_mam[e`m§ [nNbo df© HoŸ 97017HŸamoS go ~THŸa ` 124296 HŸamoS aht.

v 14.92% HŸs d[Õ Xem©Vo hwE IwXam _s`mXs O_mam[e`m§ ` 43106HŸamoS aht.

v [dÎms` df© 2013-14 HoŸ Xm¡amZ HŸmgm O_mam[e`m§ 12.41% HŸs d¥[ÕXemo©Vo hwE ` 22860 HŸamoS aht.

v 17% HŸs df© Xa df© d¥[Õ Xem©Vo hwE gHŸb A[JŒ_ ` 82425 HŸamoSaho.

v à[V HŸ_©Mmas CËnmXHŸVm HŸs X¥pîQ go CËnmXHŸVm ` 13.87 HŸamoS go`16.74 HŸamoS VHŸ ~Tm.

v à[V emIm HŸmamo~ma _mM© 2013 HŸmo XO© ` 123.28 HŸamoS go ~THŸa` 136.72 HŸamoS ahm.

bm^ Am¡a bm^àXVmv _mM© 2014 HŸmo g_mßV df© HoŸ [bE [Zdb bm^ ` 416 HŸamoS ahm.

v [dÎms` df© 2013-14 HoŸ Xm¡amZ ã`mO Am` 18.27% ~THŸa` 10707 HŸamoS nh§Ms.

v [dÎms` df© 2013-14 HoŸ Xm¡amZ HwŸb Am` 18.20% ~THŸa 11417HŸamoS ahs.

J¡a [ZînmXZ AmpñV §m§v ~¡§HŸ HŸs gHŸb J¡a [ZînmXHŸ AmpñV ñVa 31 _mM© 2014 HŸmoŸ ` 1986

HŸamoS ahr.

v gHŸb J¡a [ZînmXHŸ AmpñV`mo§ HŸm AZwnmV _mM© 2014 _o§ 2.41% ahm.

v [Zdb J¡a [ZînmXHŸ AmpñV ñVa 31 _mM© 2014 HŸmoŸ 1262 HŸamoS ahm.

v [Zdb J¡a [ZînmXHŸ AmpñV HŸm AZwnmV 31 _mM© 2014 HŸmoŸ 1.55% ahm.

àmW[_HŸVm úmoÌ n[aMmbZv àmW[_HŸVm úmoÌ A[JŒ_ HwŸb ` 25855 HŸamoS ahm.

v H¥Ÿ[f A[JŒ_ ` 9665 HŸamoS ahm.

v {ímúmmŸ GU g§[d^mJ 38,013 [dÚm[W© mo§ HŸmo àmd[aV HŸaVo hwE 13%d¥{Õ Xímm©HŸa ` 760 HŸamoS VHŸ nhw§Mm.

v E_EgE_B© úmoÌ _o§ A[JŒ_ 23.80% HŸs CëboIZs` àJ[V Xem©Vo hwE` 13115 HŸamoS aho.

v HŸ_Omoa dJmoª HŸmo A[JŒ_ 29.26% HŸs d¥[Õ Xem©Vo hwE ` 7214

HŸamoS aho.

v _[hbm [hVm[YHŸm[a`mo§ HŸmo A[JŒ_ 12.06% HŸs d¥[Õ Xem©Vo hwE` 5072 HŸamoS aho .

[dÎms` g_mdoeZv ~¡§HŸ Zo 89 emImAmo§ VWm 289 HŸmamo~ma n«{V{Z{Üm/A[V bKw emImAmo§

HoŸ O{aE 2000 go A[YHŸ Am~mXs dmbo Am~§[QV g^s 378 JŒm_mo§ HŸmoàmd[aV [HŸ`m h¡.

v ~¢HŸ Zo 32 ímm»mmAm|, 457 HŸmamo~ma n«{V{Z{Üm`m| VÏmm 20 Am°\ŸgmBQEQrE_ HoŸ O{aE 2000 go HŸ_ Am~mXr dmbo 2240 J«m_m| HŸmo n«md{aV{HŸ`m.

v ^maV gaHŸma HoŸ àË`úm bm^ A§VaU HŸm ©HŒŸ_ _o§ ~¡§HŸ g[HŒŸ` ên go^mJ bo ahm h¡.

gwnwX©Jr M¡Zbv ~¢HŸ HoŸ HwŸb gwnwX©Jr M¡Zb 1512 ímm»mmAm| Am¡a 1528 EQrE_ g{hV

3000 nma {HŸ`m.

v dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Zo 1 OoZoŠñQ ímm»mm, 4 EMEZAmB©ímm»mmE§ VÏmm 3 gd©-_{hbm ímm»mmE§ »mmobt.

àm¡Úmo[JHŸs _o§ àJ[Vv ~¡§HŸ Zo AnZo J«mhHŸm| HoŸ {bE B©-nmg~wHŸ VÏmm {_ñgS HŸm°b godm O¡gr

n«m¡Úmo{JHŸr godmE§ ímwêŸ HŸr.

v ~¡§HŸ HoŸ So[~Q HŸmS© AmYma _o§ [nNbo df© HoŸ 24.60 bmI go _mM©2014 VHŸ 32.20 bm»m VHŸ ~TmoÎmas hwB©.

ny§Os n`m©ßVVmv ^maVr` {aOd© ~¢HŸ HoŸ 9% _mZX§S HoŸ n«{V ny§Os VWm Omo[I_ ^m[aV

AmpñV HŸm AZwnmV (gsAmaEAma) ~ogb II HŸm 10.97% ahm VÏmm~ogb III HŸm 10.56% ahm.

v [Q`a -I ny§Os n`m©ßVVm AZwnmV 8.3% (~ogb-II) VÏmm 8.12%

(~ogb-III) ahm O~[HŸ [Q`a II ny§Os n`m©ßVVm AZwnmV 2.67%

(~ogb-II) VÏmm 2.44% (~ogb-III) ahm.

2

{ZînmXZ HŸr EHŸ PbHŸ(` HŸamoSm| _|)

n«_w»m _mZX§S 2011-12 2012-13 2013-14

ímm»mmAm| HŸr g§»`m 1300 1359 1512

EQrE_m| HŸr g§»`m 750 874 1528

Ama{úm{V Am¡a A{Ümímoîm 3557 3863 5029

gHŸb bmäm 1230 1122 1104

{Zdb bmäm 581 586 416

HwŸb O_mam{ím`m§ 83056 97017 124296

d¥{Õ % 13.39 16.81 28.12

HŸmgm O_mam{ím`m§ 18288 20336 22860

HwŸb O_mam{ím`m| HŸm % 22.02 20.54 18.44

gHŸb FÊm 58671 70514 82425

d¥{Õ % 19.20 20.19 16.89

HwŸb HŸmamo~ma 141727 167531 206721

d¥{Õ % 15.72 18.21 23.40

gHŸb EZnrE 1718 1533 1986

(%) 2.93 2.17 2.41

{Zdb EZnrE 998 910 1262

(%) 1.72 1.30 1.55

{Zdoím 28644 31285 42585

n«mÏm{_HŸVm úmoÍm HŸmo A{J«_ 16700 19505 25855

EEZ~rgr HoŸ n«{V % 33.87 33.23 35.55

HwŸb HŸ_©Mmar 11838 12601 12822

n«{V HŸ_©Mmar HŸmamo~ma 12.31 13.87 16.74

n«_w»m AZwnmV (%)

O_m bmJV 7.68 8.07 7.98

A{J«_m| na Am` 11.73 11.54 11.26

{Zdb ã`mO _m{O©Z 2.47 2.13 2.02

Am{ñV`m| na Am` 0.66 0.59 0.35

ny§Or n`m©ßVVm AZwnmV % (~ogb II) 13.06 11.32 10.97

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

3

[dÎms` df© 2013-14 HoŸ [bE h_mao ~¡§HŸ HŸr J{V{d{Üm`m| HŸr g_rúmm d[ZînmXZ d¡[eîQ² AmnHoŸ g_úm aIVo hwE _wÂmo ~ohX àñmÝÝmVm hmo ahs h¡

2013-14 d¡{ídHŸ AÏm©ì`dñÏmm HoŸ {bE AnoúmmH¥ŸV AÀNm dîm© ahm. JV dfmoª_o§ A{äm{hV AÜmmo_w»mr n«d¥{ËV HoŸ ~mX, d¡{ídHŸ Am{Ïm©HŸ d {dËVr` n{a{ñÏm{V`m|_| gm_mÝ`V: gwÜmma hwAm, {dímoîmHŸa dîm© 2013 HoŸ Xygao AÜm©-dîm© _|. VÏmm{n,{dËVr` dîm© 2013-14 HoŸ Xm¡amZ ^maVs` AW©ì`dñWm VWm ~¡§qHŸJ úmoÌ XmoZmo§HŸmo ~hwV MwZm¡[V`mo § HŸm gm_Zm HŸaZm nSm. df© 2013-14 _o§ [dœA[Z[íÀmVVmAm|, AW© ì`dñWm HŸs Zs[V _o§ X~md VWm HŸ_Omoa [Zdoe _m§J HoŸHŸmaU maVs` OsSsns d¥[Õ _o§ HŒŸ_~Õ gwYma hwAm. [dÎms` df© 2013-14 HoŸ[bE gHŸb Kaoby CËnmX HŸm AmHŸbZ 4.9% [HŸ`m J`m O~[HŸ [dÎms` df©2012-13 _o§ h 4.5% ahm. VWm[n gHŸmamË_HŸ nhbw _o§, _§hJmB© _o§ {JamdQHoŸ gmÏm _mM© 2014 _o§ 5.70% ahr.

df© 2013-14 _o§ Ys_s Am[W©HŸ J[V[d[Y`mo§ HoŸ HŸmaU ämmaVr` ~¢{H§ŸJ úmoÍm HŸmoHŸB© MwZm¡{V`m| HŸm gm_Zm HŸaZm nSm. AZwgy{MV dm{ÊmÁ` ~¢HŸm| HoŸ FÊm d O_m _|HŸ«_~Õ gwÜmma hwAm VÏmm ämm.{a.~¢. HoŸ gm§HoŸ{VHŸ n«úmonÊm go HŸ_ d¥{Õ hwB©. df©2013-14 _o§ AZwgy[MV dm[UÁ` ~¡§HŸ HŸs HwŸb O_mam[e`mo§ _o§ df© Xa df©15% HŸs d¥[Õ hwB© VWm ~¡§HŸ GU _o§ 14% HŸs d¥[Õ hwB©. _mM© 2014 HoŸ A§V_o§ ~¡§HŸ HoŸ GU-O_m AZwnmV 77.69% ahm. FÊm HoŸ {dHŸmg _| _§X J{V HoŸHŸmaU HwŸN ~¡§HŸmo§ HŸs {Zdb ã`mO _m{O©Z _o§ [JamdQ AmB©. AÏm©ì`dñÏmm _| _§XrHoŸ HŸmaÊm HŸB© ~¢HŸm| HŸr Am{ñV JwÊmdËVm d bmämn«XVm _| {JamdQ AmB©.

ämmaVr` ~¢HŸm| go `h Anoúmm HŸr OmVr h¡ {HŸ do Am{Ïm©HŸ nwZéËÏmmZ _| _hËdnyÊm©ämy{_HŸm {ZämmE§ VÏmm Am{Ïm©HŸ J{V{d{Üm`m| HoŸ ì`mnHŸ nhbwAm| _| d¥{Õ Am¡a{dHŸmg HŸmo ~Tmdm X|. [dÎms` df© 2013-14 _o§ [dO`m ~¡§HŸ HoŸ [bE _w»`MwZm¡[V`m§ aht, MwZm¡VsnyU© HŸmamo~ma _mhmob _o§ à[VñnYm©Ë_HŸ ahZm VWm VoOs d_O~yVs go AmJo ~TZo HoŸ [bE AnZs VmHŸV HŸm bm^ CRmZm. df© HoŸ Xm¡amZ, ~¡§HŸZo AnZr úm_VmAm| na CËnmX VWm godmE§ [dHŸ[gV HŸaZo VWm JŒmhHŸmo§ HŸsAmdí`HŸVmAmo§ HŸs ny[V© HoŸ [bE gwnwX©Js M¡Zbmo§ HŸmo [dñV¥V HŸaZo _o§ AnZm Ü`mZHo§Ÿ[ÐV [HŸ`m h¡ Vm[HŸ ^maV HoŸ à_wI amîQ—s`H¥ŸV ~¡§HŸmo§ _| h_ AnZr N[d HŸmo~ZmE aIo§. [dÎms` df© 2013-14 _o§ [dO`m ~¡§HŸ HŸm [ZînmXZ, _w»`V: BZAnoúmmAmo§ HŸmo nyam HŸa nm`m h¡.

Bgr n[aàoú` _o§, _¡§ df© 2013-14 HoŸ Xm¡amZ ~¡§HŸ HoŸ [ZînmXZ d¡[eîQ² AmnHoŸgm_Zo àñVwV HŸaZm MmhVm hy§.

AnZo nma§n{aHŸ HŸmamo~mar Tm§Mo HŸmo ~ZmE a»mVo hwE {dO`m ~¢HŸ Zo AnZr MwZm¡VrnyÊm©Am{Ïm©HŸ n{adoím HŸm gm_Zm {HŸ`m. ~¢HŸ HoŸ {bE, dîm© 2013-14 ~hwV _hËdnyÊm©Ïmm. Bg dîm© h_Zo VrZ _hËdnyÊm© HŸr{V©_mZ ñÏmm{nV {HŸE. nhbm, h_mam HwŸbHŸmamo~ma 2.00 bm»m HŸamoS ñVa HŸmo nma {HŸ`m, Xygam HwŸb O_mam{ím`m§ 1.00

bm»m HŸamoS nma {HŸ`m VÏmm Vrgam, ~¢HŸ HŸm ímm»mm ZoQdH©Ÿ 1500 nma HŸa {X`m.df© HoŸ Xm¡amZ, ~¡§HŸ Zo AnZo HŸmamo~ma g§[d^mJ HŸmo Am¡a gímŠV ~ZmZo HoŸ {bEXoím äma _| AnZr _m¡OyXJr _| gwÜmma bmZo VWm AnZo JŒmhHŸ AmÜmma HŸmo ~TmZoHoŸ {bE HŸB© nhb HŸr.

_yb HŸmamo~ma _o§ [Za§Va g[HŒŸ`Vm VWm HwŸímb bmJV [Z §ÌU HoŸ HŸmaU ~¡§HŸ EHŸ_O~yV AmYma ~ZmE aIVo hwE AnZs Am_XZs HŸmo ~aHŸama a»m gHŸm.Ÿ _mM©2014 HŸmo g_mßV df© HoŸ [bE [Zdb bm^ 416 HŸamoS ahm. df© HoŸ Xm¡amZ g^sAmdí`HŸ àmdYmZ HŸaZo HoŸ ~mX ` 688 HŸamoS [Zdb bm^ àmßV hwAm h¡.

_mM© 2014 HŸmo ~¡§HŸ HŸm HwŸb HŸmamo~ma 23.4% HŸs d¥[Õ Xem©Vo hwE 206721

HŸamoS ahm. df© HoŸ Xm¡amZ ~¡§HŸ HoŸ HwŸb HŸmamo~ma _o§ 39000 HŸamoS OmoSm J`m.~¡§HŸ HŸs HwŸb O_mam[e`m§ 28.1% HŸs df© Xa df© d¥{Õ Xem©Vo hwE 124296

HŸamoS aht. WmoHŸ O_m/O_m à_mU nÌmo§ _o§ _mM© 2013 HoŸ 22.3% go _mM©2014 _o§ 15% VHŸ HŸQm¡Vs hwB©. IwXam _s`mXs O_mam{ím`m§ 15% HŸs Rmogd¥[Õ hm[gb HŸaVo hwE 43106 HŸamoS aht. [dÎms` df© 2013-14 _o§ HŸmgmO_mam[e`m§ 12.4% d¥[Õ Xem©Vo hwE 22860 HŸamoS aht. _mM© 2014 HŸmogHŸb O_mam[e`mo§ _o§ HŸmgm O_mam{ím`m| HŸm [hñgm 18.44% ahm.

~¡§HŸ HoŸ GU g§[d^mJ _o§ ` 82425 HŸamoS HŸs d¥[Õ hwB©, df© Xa df© 16.9%

HŸs d¥[Õ Xem© s J`s VWm GU-O_m AZwnmV 66.31% Xem©Vo hwE AÀNmahm. ~¡§HŸ HoŸ [d[dY GU g§[d^mJ _o§ AW© ì`dñWm HoŸ g^s CËnmXHŸ úmoÌ O¡goH¥Ÿ[f, CÚmoJ, bKw, NmoQo VWm _Ü`_ CÚ_ (E_EgE_B©), H§ŸnZs VWm ~w[Z`mXsgw[dYm úmoÌmo§ HŸmo GU, A[V bKw úmoÌ VWm IwXam GU Am[X gpå_[bV h¡§.

àmW[_HŸVm úmoÌ _o§ HwŸb àmW[_HŸVm úmoÌ A[JŒ_mo§ _o§ `Wm _mM© 2014 HŸmo` 25855 HŸamoS ahm. àmW[_HŸVm úmoÌ A[JŒ_, g_m`mo[OV [Zdb ~¡§HŸ GUHŸm 35.55% ahm. ~¡§HŸ HŸm H¥Ÿ[f A[JŒ_ ` 9665 HŸamoS ahm. e¡[úmHŸ GUg§[d^mJ _o§ 760 HŸamoS hm[gb [HŸ`m J`m. HŸ_Omoa dJmoª HŸmo GU 29.26%

d¥[Õ Xem©Vo hwE ` 7214 HŸamoS ahm VWm _[hbm [hVm[YHŸm[a`mo§ HŸmo GU _o§12.06% d¥[Õ Xem©Vo hwE ` 5072 HŸamoS ahm.

^maVs` AW©ì`dñWm HoŸ g§ mì` d¥[ÕXm`HŸ HoŸ ên _o§ C^aVo hwE bKw, NmoQoVWm _Ü`_ CÚ_ HoŸ HŸmaU, h_mao ~¡§HŸ HŸs E_EgE_B© g§[d^mJ 23.8% HŸsAÀNs d¥[Õ Xem©Vo hwE ` 13115 HŸamoS ahm. IwXam CYma HŸmo ~TmZo HoŸ [bE~¡§HŸ Zo df© HoŸ Xm¡amZ HŸB© Cnm` [HŸE VÏmm IwXam CYma g§[d^mJ HoŸ AYsZ~HŸm`m A[JŒ_ 16.1% ~THŸa ` 15617 HŸamoS ahm Omo gHŸb GU HŸm18.9% h¡.

Am{ñV JwÊmdËVm g§~§Ümr ~TVr hwB© {M§VmAm| HŸm g_mÜmmZ HŸaZo hoVw ~¢HŸ Zo df©HoŸ Xm¡amZ GU g§[d^mJ HŸs pñW[V VWm J¡a [ZînmXZ AmpñV`mo§ _| dgybr HŸsgOJ [ZJamZs na Omoa Smbm. ~¡§HŸ Zo J¡a [ZînmXZ AmpñV úmoÌ _o§ A§Vdm©h HŸm

eo aYmaHŸmo§ HŸmo AÜ`úm Ed§ à~§Y [ZXoeHŸ HŸm g§Xoe

4

[Z §ÌU HŸaVo hwE VWm J¡a [ZînmXZ AmpñV`mo§ HŸs dgybs HŸaVo hwE ~ohVa VWmgúm_ J¡a [ZînmXZ AmpñV à~§YZ gw[Z[íÀmV [HŸ`m h¡. n[aUm_ñdên ~¡§HŸ HoŸgHŸb VWm [Zdb J¡a [ZînmXZ AmpñV`mo§ HŸr am[e VWm à[VeV HŸm\Ÿs hXVHŸ HŸ_ hwAm h¡. _mM© 2014 VHŸ ~¡§HŸ HŸs gHŸb J¡a [ZînmXHŸ AmpñV HŸm ñVa` 1986 HŸamoS ahm (` 1533 HŸamoS) [OgHŸm AZwnmV 2.41% (2.17%)

ahm. [Zdb J¡a [ZînmXHŸ AmpñV HŸm ñVa ` 1262 HŸamoS (` 910 HŸamoS)ahm VÏmm {Zdb EZnrE AZwnmV 1.55% (1.30%) ahm. _mM© 2014 HŸmoàmdYmZ HŸdaoO AZwnmV 64.05% ahm.

~¡§HŸ HŸs pñW[V HŸmo Am¡a gwX¥T ~ZmZo HoŸ [bE ~¡§HŸ HŸs Zs[VJV g§Ho§ŸÐZ HoŸ AZwêngwnwX©Js M¡Zbmo§ HŸmo Am¡a [dñV¥V [HŸ`m J`m h¡. ~¡§HŸ Zo [dÎms` df© 2013-14

HoŸ Xm¡amZ 153 emImAmo§ HŸmo OmoSVo hwE emImAmo§ HŸs HwŸb g§»`m HŸmo 1512

VHŸ ~Tm`m h¡. df© HoŸ Xm¡amZ, 654 EQsE_ HŸs ñWmnZm HŸaVo hwE `Wm31 _mM©, 2014 HŸmo ~¡§HŸ HoŸ HwŸb 1528 EQsE_ h¡§. ~¢HŸ HoŸ 3040 go A{ÜmHŸJ«mhHŸ g§nH©Ÿ H|ŸÐ h¢.

JŒmhHŸ HŸs gw[dYm HŸmo gdmo©ÀM ñWmZ XoVo hwE ~¡§HŸ Zo df© 2013-14 HoŸ Xm¡amZAnZo CËnmX VWm godmAmo§ HŸmo Am¡a [dñV¥V [HŸ`m h¡. ~¡§HŸ Zo HŸB© AmHŸf©HŸ O_mCËnmX HŸm ew ma§ [HŸ`m h¡ O¡go ds-{g{Õ _s`mXs O_m moOZm, ds- b»mn{V,EHŸ AmdVr© O_m `moOZm, ds-g_¥{Õ, {dímoîm _r`mXr O_m `moOZm Omo {dímoîmn{anŠd _yë` HŸm h¡ VÏmm ~ÅoJV _yë` na Omar {HŸ`m OmVm h¡. ~¢HŸ ÛmamE_EgB© {dO`, {dO`m {HŸgmZ Amdmg FÊm, {dO`m _§Jb VÏmm dr-H¡Ÿí yAm{X ZdmoÝ_oîmr »mwXam FÊm `moOZmAm| HŸr ímwêŸAmV HŸr.

Xoe HŸs g_mdo[eV d¥[Õ Tm§Mo HoŸ AZwên, ~¡§HŸ [dÎms` g_mdoeZ HŸm ©gyMs HŸmog[HŒŸ` ên go HŸm`m©pÝdV HŸa ahm h¡. Bg [Xem _o§ ~¡§HŸ HŸm bú` h¡ [dÎms`geºsHŸaU VWm JŒm_sU OZVm VHŸ ~¡§qHŸJ godmE§ bo OmZm. ~¡§HŸ Zo Am~§{QV2000 go A[YHŸ Am~mXsdmbo 378 Jm°dmo§ HŸmo 89 emImAmo§ VWm 289

HŸmamo~ma n«{V{Z{Üm`m|/A[V bKw emImAmo§ go àmd[aV [HŸ`m h¡. ~¢HŸ Zo Am~§{QV2000 go HŸ_ Am~mXrdmbo 2240 Jm°dmo§ HŸmo 32 ímm»mmE§ VÏµmm 457 ~rgrEVÏmm 20 Am°\ŸgmB©Q EQrE_ go n«md{aV {HŸ`m h¡.

~ogb Tm§Mo VWm ^m[a~¡§ HoŸ [Xem[ZXo©emo§ HoŸ AZwên Omo[I_ à~§YZ nhb HoŸà^mds HŸm`m©Ýd`Z HoŸ [bE [dœñVas` CÀM ì`dhma g§[hVm HŸmo àmßV HŸaZo HoŸ[bE ~¢HŸ Zo _Oy~V Omo[I_ à~§YZ Tm§Mm V¡ ma [HŸ`m h¡. ~¡§HŸ HoŸ àm¡Úmo[JHŸsnhb s _hËdnyU© VWm g\Ÿb h¡ VWm bmJV HŸmo HŸ_ HŸaZo, XúmVm HŸm [Z_m©UVWm HŸmamo~ma d¥[Õ hm[gb HŸaZo VWm JŒmhHŸ godm HŸmo gdmo©ËH¥ŸîR ~ZmZo hoVwg_W©HŸ HoŸ ên _| HŸm © HŸa aho h¡§.

[dÎms` df© 2014-15 HoŸ [bE h_Zo df© Xa df© 18.5% HŸr HŸmamo~ma d¥[Õn[aHŸpënV HŸr h¡, emImAmo§ HŸs g§»`m HŸmo 1700 VHŸ ~TmZo VWm EQsE_ HŸsg§»`m _o§ ^s n`m©ßV d¥[Õ HŸaZo HŸm h_mam àñVmd h¡. h_mao HŸmamo~ma HoŸ [_lU_o§ h_ IwXam ì`mnma na Ü`mZ Ho§Ÿ[ÐV HŸao§Jo Vm{HŸŸ bm^àX d¥[Õ gw[Z[íÀmV HŸrOm gHoŸ. AmpñV JwUdÎmm úmoÌ _o§ h_mam HŸmnmo©aoQ bú` h¡ J¡a-[ZînmXHŸ AmpñV`mo§HŸmo am[edma VWm à[VeV dma CÎmamoÎma HŸ_ HŸaZm. VWm àmdaU AZwnmV _|gwYma cmZm.

~¢HŸ HŸmo HŸm°nmo©aoQ HŸmamo~ma g§doXZmAm| Am¡a Xoímr Am{Ïm©HŸ n{adoím _| g§ämmì`gwÜmma go bmäm n«mßV hmoJm. ~¢HŸ AnZm HŸmamo~ma ~aHŸama a»mVo hwE {dHŸmgHŸaVm ahoJm VÏmm Adgam| HŸm ghr bmäm CRmZo HoŸ {bE ~¢HŸ HŸr ñnîQ aÊmZr{V`m§~Zr hwB© h¢. AmZodmbo dîm© HoŸ {bE {ZÜmm©{aV bú`m| HŸmo n«mßV HŸaZo hoVw _¢n«{V~Õ ahy§Jm. AmnHoŸ [Za§Va g_W©Z VWm g§aúmU go, _wÂmo nyam [dœmg h¡ [HŸh_mam ~¡§HŸ dV©_mZ df© HoŸ Xm¡amZ ~wb§[X`mo§ HŸmo Ny boJm.

_¡§, Amn g^s _hËdnyÊm© eo aYmaHŸmo§ HŸmo AmnHoŸ [Za§Va gh`moJ VWm [dœmg HoŸ[bE göX` YÝ`dmX XoVm hy§.

ew HŸm_ZmAmo§ g[hV,

AmnHŸm,

dr.HŸÊÊmZAÜ`úm Ed§ à~§Y [ZXoeHŸ

5

B©-_VXmZ n«Umcr g{hV 14 dr§ dm{f©H gm_mÝ` ~¡RH H r gyMZm

eo aYmaH mo§ H mo AbJ go oOr Om ahr h¡.

{dO`m ~¢HŸàYmZ H$m`m©b` : ~|Jbyé - 560 001

gyMZm

6

{ZXoímHŸm| HŸr {anmoQ© 2013-14

{ZXoímHŸ _§Sb, {XZm§HŸ 31 _mM© 2014 HŸmo bo»mm nar{úmV VwbZ-nÌ Ed§31 _mM©, 2014 HŸmo g_mßV df© HoŸ bm^-hm{Z bo»mm g[hV, ~¢H$ H$r 34dtdm{f©H$ {anmoQ©> ghf© n«ñVwV H$aVm h¡.

n«~§YZ n{aMMm© Am¡a {díbofU

Am{W©H$ n{aÑí`

JV HwŸN dîmmoª _| A{äm{hV AÜmmo_w»mr n«d¥{ËV HoŸ ~mX, dîm© 2013 HŸr XygarN_mhr HoŸ Xm¡amZ d¡{ídHŸ, Am{Ïm©HŸ Am¡a {dËVr` n{a{ñÏm{V`m| _| g_mÝ`V:gwÜmma hwAm. dîm© 2013 HŸr n«_w»m {dímoîmVm `h Ïmr {HŸ Am{Ïm©HŸ ím{ŠV HŸm,d¡{ídHŸ g§VwbZ, {dHŸ{gV Xw{Z`m go CämaVr Xw{Z`m HŸr Amoa {Za§Va ÂmwHŸmd hmoahm Ïmm VÏmm b§~r _§Xr go CämaHŸa DŸna CRm.

A§Vam©îQ—s` _m¡[ÐHŸ [Z[Y HoŸ AZwgma, df© 2012 _o§ 3.2% d¥[Õ HŸs VwbZm _o§df© 2013 _o§ d¡[œHŸ Am[W©HŸ ì`dñWm _o§ 3.0% HŸs _Ü`_ d¥[Õ hwB©. CÝÝmVAW©ìdñWmAmo§ _o§ df© 2012 _o§ 1.4% HŸs VwbZm _o§ df© 2013 _o§ 1.3%HŸs d¥[Õ hwB©, O~[HŸ C^aVs AW©ì`dñWmAmo§ _o§ df© 2012 _o§ 5% HŸs VwbZm_o§ df© 2013 _o§ 4.7% HŸs d¥[Õ hwB©.

[dœ A[Z[íÀmVVmAmo§ HŸs g§M`s n«ämmd, [nNbs _m¡[ÐHŸ Zs[V _| X~md VWmHŸ_Omoa [Zdoe _m§J HoŸ HŸmaU dîm© 2013-14 _| ^maVs` OsSsns d¥[Õ _o§HŒŸ_~Õ gwYma hwAm. {dHŸmg _| _§Xr HŸm n«ämmd, godm Am¡a H¥Ÿ{îm úmoV« _| _§XrVÏmm Am¡Úmo{JHŸ úmoV« HoŸ {gHwŸSZ _| n{ab{úmV hwAm. Ho§ŸÐs` gm§{»`HŸs` g§JRZÛmam Omas CÝZV n«mŠHŸbZ HoŸ AZwgma, [dÎms` df© 2014 HoŸ [bE OsSsnsd¥[Õ 4.9% AmHŸ[bV [HŸ`m J`m O~[HŸ dh [dÎms` df© 2013 _o§ 4.5%ahm. HŸ_ d¡[œHŸ ì`mnma VWm Kaoby Amny[V© ~mYmAmo§ HoŸ HŸmaU d¥[Õ HŸs VwbZm_o§ Omo[I_ ~T J`m h¡. df© 2013-14 HoŸ Xm¡amZ H¥Ÿ[f CÚmoJ VWm godm úmoÌmo§_o§ g§ _ HoŸ búmU [XImB© [XE.

CnämmoŠËmm _yb gyMHŸm§HŸ VÏmm ÏmmoHŸ _yë` gyMHŸm§HŸ Ûmam Zmnr JB© _wÐmñ\Ÿs[V,dîm© 2013 -14 HŸr ímwéAmV _| HŸ_ ahr, na§Vw ~mX _| ~TVr JB©._yb _wÐmñ\Ÿr{V_B© 2013 go ~TVr JB© VÏmm _ybV: »mmÚ d BªÜmZ HŸr bmJV HoŸ HŸmaÊm dîm©2013-14 _| DŸÜd©_w»mr ahr. WmoHŸ _yë` gyMHŸm§HŸ _wÐmñ\Ÿs[V 4.6 à[VeVgo ewê hmoHŸa Zd§~a 2013 _o§ 7.5% VHŸ ~THŸa _mM© 2014 _o§ 5.70%VHŸ HŸ_ hwAm. CnämmoŠËmm _yë` gyMHŸm§HŸ Ûmam Zmnr JB© »mwXam _wÐmñ\Ÿs[V ämrDŸÜd©_w»mr ahr VÏmm Zd§~a 2013 _| CÀMV_ 11.2% VHŸ nhw§Mm VÏmm _mM©2014 Ho nhco 8.31% VH gwYma hwAm.

[dœ ~mOma _o§ HŸ_ d¥[Õ Am¡a A[Z[íÀmVVmAmo§ HoŸ à[VHyŸb à^md HoŸ HŸmaU df©2013-14 _o§ maV HŸm [Z`m©V [ZînmXZ [ZamemOZHŸ ahm. dm[UpÁ`HŸ AmgyMZmVWm gm§»`HŸs _hm[ZXoemb` Ûmam Omas AZ§[V_ Am§HŸSmo§ HoŸ AZwgma Aà¡b -_mM© 2013 -14 HoŸ Xm¡amZ ^maV HoŸ ì`mnm[aHŸ [Z`m©V 3.98% d¥{Õ XO©HŸaHoŸ yEg Smba 312.34 {~{b`Z VHŸ ~Tm.

An«¡b - _mM© 2013-14 HoŸ Xm¡amZ ì`mnma ¿mmQm énE HŸr {d{Z_` Xa Am¡agmoZo HoŸ Am`mV HoŸ {bE n«moËgmhZ Z hmoZo HoŸ HŸmaÊm {nNbo dîm© go HŸ_ ahm. HŸ_ì`mnma ¿mmQo HoŸ HŸmaÊm, grESr-OrSrnr AZwnmV {dËVr` dîm© 2014 H r nhbr{V_mhr HoŸ OrSrnr HŸm 4.9% go HŸ_ hmoHŸa {dËVr` dîm© 2014 HŸr Xygar{V_mhr HoŸ OrSrnr HŸm 1.2% hwAm. grESr-OrSrnr AZwnmV {dËVr` dîm©2012-13 HoŸ 5.1% HŸr VwbZm _| {dËVr` dîm© 2013 -14 _| 2% AmHŸ{bV{HŸ`m J`m.

ämmaV HoŸ {dËVr` ~mOma Zo d¡{ídHŸ d Xoímr úmoÍm _| hmo aho g_J« {dHŸmg HoŸ n«{Vn«{V{HŸ« m ì`ŠV HŸr. d¡[œHŸ [dÎms` ~mOma A[Z[íÀmVVmAmo§ [ZdoeHŸmo§ HoŸTbVo {dœmg Zo Xoes _w²Ðm VWm B©pŠdQs ~mOma HŸmo X~md _o§ aIm. df©2013 -14 HoŸ nhbo AÜm©dîm© HoŸ Xm¡amZ énE HŸm _yë`õmg bJ^J 17%ahm O~[HŸ AŠVy~a 2013 _o§ Bg pñW[V _o§ HwŸN gwYma AmB©. _mM© 2014 HoŸA§V _o§ wEg Smba HoŸ à[V ^maVs` énE 59.91 ahm. df© 2013-14 HoŸXm¡amZ B©pŠdQs ~mOma _o§ Á`mXm CVma MTmd Zht ahm.

{dËVr` dîm© 2013-14 HŸr ímwêŸAmV _| Omo _wÐm Amny{V© (E_3) 12.4%ahr, E\ŸgrEZAma(~r) O_mam{ím`m| HŸr ~TVr n«dmh HoŸ HŸmaÊm O_m g§J«hÊm _|VoOr AmB©, {OgHŸr dOh go dîm© HoŸ Xm¡amZ ~THŸa, _mM© 2014 HoŸ A§V VHŸ13.5% ahr.

dîm© 2013-14 HoŸ Xm¡amZ {dËVr` ¿mmQm OrSrnr HoŸ 4.6% n«mŠHŸ{bV {HŸ`mJ`m.

~¢{H§ŸJ n{aÑí`

dîm© 2013-14 HoŸ Xm¡amZ ämmaV _| ~¢{H§ŸJ úmoÍm ñdñÏm d bMrbm ahm. VÏmm{n,ñÏmyb AÏm©ì`dñÏmm _| _§Xr HoŸ HŸmaÊm HwŸN ~¢HŸm| HŸr Am{ñV JwÊmdËVm _| {JamdQhwB© h¡. FÊm _| HŸ_ d¥{Õ VÏmm FÊm HŸr JwÊmdËVm _| {JamdQ HoŸ HŸmaÊm CÀMËVan«mdÜmmZrHŸaÊm go ~¢HŸm| HŸr bmämn«XVm na n«{VHyŸb n«ämmd nSm h¡.

dîm© 2013-14 _| _m¡{ÐHŸ Zr{V _|, d¥{Õ _wÐmñ\Ÿr{V J{VímrbVm HŸmo g§Vw{bVHŸaZo hoVw VabVm HoŸ {Z §ÍmÊm Cnm` VÏmm Zr{VJV Xam| _| d¥{Õ, XmoZm| HŸmo n« moJ_| bm`m J`m.ämmaVr` {aµOd© ~¢HŸ Zo _B© 2013 _| Zr{VJV Xam| HŸmo bMrbm~Zm`m na§Vw, {d{Z_` Xa ¿mQ-~T go ñÏmyb {dËVr` Omo{»m_m| HŸmo {Z §{ÌV HŸaZohoVw OwbmB© 2013 HoŸ Xm¡amZ {dímoîm êŸn go VabVm {Z §ÍmÊm Cnm` ímwêŸ {HŸ`m.{d{Z_` Xa _| {ñÏmaVm AmZo VHŸ VabVm {ñÏm{V`m| HŸmo n`m©ßV êŸn go {Z §{ÌV{HŸ`m J`m. ämm.{a.~¢. Zo dîm© 2013-14 _| {anmo Xa HŸmo 75 ~rnrEg go~Tm`m.

godmE§, d¡ {ŠV FÊm, H¥Ÿ{îm HoŸ n«{V FÊm Am{X _| {Za§Va d¥{Õ HoŸ HŸmaÊm dîm©2013-14 _| AZwgy{MV dm{Êm{Á`HŸ ~¢HŸ HoŸ CÜmma _| A{ÜmHŸ d¥{Õ Xo»mr J`r.g_J« êŸn _| AZwgy{MV dm{Êm{Á`HŸ ~¢HŸm| HoŸ FÊm _| {dËVr` dîm© 2012-13

7

HŸr 13.6% HŸr d¥{Õ HŸr VwbZm _| {dËVr` dîm© 2013-14 _| 14% d¥{Õ hwB©.{dËVr` dîm© 2013-14 HoŸ Xm¡amZ, AZwgy{MV dm{Êm{Á`HŸ ~¢HŸ HŸr HwŸb O_mam{ím`m|_| dîm©-Xa-dîm© 15% d¥{Õ XO© HŸr J`r.

Ñ{îQHŸmoÊm

dîm© 2013 HoŸ Xygao AÜm©dîm© go d¡{ídHŸ d¥{Õ HŸr g§ämmdZmE§ Ümr_r J{V go ÑThmo ahr h¢, na§Vw ZHŸmamË_HŸ Omo{»m_ ~wb§X aho. AnZo AÚVZ d¡{ídHŸ Am{Ïm©HŸÑ{îQHŸmoÊm _|, A§Vam©îQ—r` _m¡{ÐHŸ {Z{Üm Zo d¡{ídHŸ d¥{Õ Xa HŸmo dîm© 2014 _|3.6% Am¡a 2015 _| 3.9% n«úmo{nV {HŸ`m h¡. CämaVr d {dHŸmgímrbAm{Ïm©HŸ ì`dñÏmmE§ d¡{ídHŸ {dHŸmg HŸm ZoV¥Ëd HŸaVr ah|Jr.

Xoímr` Am{Ïm©HŸ n{adoím VÏmm {dHŸmgímrb _m¡{ÐHŸ Zr{V HŸr é»m HŸr {ñÏm{V _|gwÜmma HoŸ HŸmaÊm dîm© 2014-15 _| ämmaV HŸr OrSrnr d¥{Õ _| gwÜmma HŸr Cå_rXh¡. ~MV d {Zdoím Xa _| gwÜmma, {dËVr` ~mOma HŸr AZwHyŸb {ñÏm{V, A{ÜmHŸny§Or n«dmh, Za_ _wÐmñ\Ÿr{V VÏmm gHŸmamË_HŸ HŸmamo~ma Ñ{îQHŸmoÊm AÏm©ì`dñÏmmHŸr {dHŸmg _| J{V bmZo _| _XXJma hmoJr. Xoímr` ñVa na, CÀM {dËVr` d Mmby»mmVo _| ¿mmQo, HŸ_ Am¡Úmo{JHŸ d¥{Õ VÏmm HŸ_ {Z`m©V d¥{Õ, n«Ë`m{ímV _wÐmñ\Ÿr{VHŸm {Z §ÍmÊm, Am{X _wwÔm| HŸm g_mÜmmZ Ty§TZm dîm© 2014-15 HŸr n«_w»m MwZm¡{V`m§hm§oJr. BZ g_ñ`mAm| HoŸ ~mdOyX, ämmaVr` AÏm©ì`dñÏmm Xw{Z`m _| g~go VoOr go~TVr AÏm©ì`dñÏmmAm| _| go EHŸ ~Zr ahoJr.

gHŸmamË_HŸ Xoímr Ñ{îQHŸmoÊm VÏmm AZwHyŸb Zr{VJV _mhm¡b HoŸ HŸmaÊm ämmaVr`~¢{H§ŸJ úmoÍm _| dîm© 2014-15 _o§ AÀNm {ZînmXZ HŸaZo HŸr Cå_rX h¡.

dîm© 2013 -14 HoŸ Xm¡amZ ~¢H$ H$m {ZînmXZ d¡{ímîQ²

ny§Or, Ama{úm{V`m§ VÏmm {Zdb _yë`

~¢HŸ HŸr n«m{ÜmH¥ŸV ny§Or g§n«{V ` 3000 HŸamoS h¡ Omo ` 10/- ímo a HoŸ 300HŸamoS nyÊm© êŸn go n«XËV ímo am| _| {dämm{OV h¡. g§n«{V, ämmaV gaHŸma, ~¢HŸ HŸr74.06% B©{ŠdQr ímo`a ny§Or Ümm{aV HŸaVr h¡. ~¢HŸ HŸr HwŸb n«XËV ny§Or` 859.12 HŸamoS h¡.

dîm© 2013-14 Ho Xm¡amZ ~¢HŸ Zo Ama{úm{V`m§ Am¡a A{Ümímoîm _| ` 1165.69HŸamoS OmoSm h¡ VÏmm HwŸb Ama{úm{V`m§ Am¡a A{Ümímoîm ` 5028.80 HŸamoS h¡.~¢HŸ HŸm {Zdb _yë` ` 4081.49 HŸamoS go ~THŸa dîm© 2013-14 Ho Xm¡amZ` 5638.93 HŸamoS hmo J`m h¡.

H$m ©H$mar n{aUm_

dîm© 2013-14 HoŸ {bE ~¢HŸ Ûmam XO© {Zdb bmäm 2012-13 HoŸ ` 586HŸamoS HŸr VwbZm _| ` 416 HŸamoS ahm. O_mam{ím`m| HoŸ g§Xäm© _| O_mAm| HŸrAm¡gV bmJV 2012-13 HoŸ 8.07% go ¿mQHŸa 2013-14 _| 7.98% hmoJB©. dîm© 2013-14 HoŸ {bE A{J«_m| na AO©Z {nNbo dîm© HoŸ 11.54% HŸrVwbZm _| 11.26% ahr.

~¢HŸ HoŸ {dËVr` n{aÊmm_m| HŸr n«d¥{V`m§ VÏmm _hËdnyÊm© AZwnmV ZrMo Xr JB©Vm{bHŸmAm| _| Xímm© r JB© h¡ :

(` HŸamoSm| _o§)

H«$_ _X 2012-13 2013-14 dm{f©H$ g§. d¥{Õ (%)1 ã`mO Am` 9052 10707 18.27

2 ã`mO IM© 7174 8623 20.20

3 {Zdb ã`mO Am` (1-2) 1878 2084 10.97

4 J¡a ã`mO Am` 607 710 16.97

I. {Zdoem| H$r {~H«$r na bm^ 113 190 68.14

II. AÝ` J¡a-ã`mO Am` 494 520 5.26

5 {Zdb Hw$b Am` (3+4) 2485 2794 12.43

6 n{aMmbZ IM© 1363 1690 23.99

I. ñQ>m\$ IM© 849 1040 22.50

II. AÝ` n{aMmbZ IM© 514 650 26.46

7 n{aMmbZ bm^ 1122 1104 -1.60

8 n{aMmbZ bm^ (IµOmZm bm^ H$mo N>moS>H$a) 1009 914 -9.42

9 n«mdYmZ Am¡a AmH$pñ_H$ IM© 536 688 28.36

10 {Zdb bm^ 586 416 -28.89

n«_w»m bm^n«XVm AZwnmV (%)

H«$_ _X 2012-13 2013-14 g§. (%) (%)

1 {Z{Üm na n«{V\$b 9.27 9.08

2 {Z{Y bmJV 7.35 7.31

3 ã`mO {dñVma (1-2) 1.92 1.77

4 A{J«_ na n«{V\$b 11.54 11.26

5 O_m bmJV 8.07 7.98

6 {Zdoe na n«{V\$b (AmaAmB©SrE\ g[hV)- HŸ« bmäm HŸmo NmoSHŸa 7.10 7.22- HŸ« bmäm g{hV 7.47 7.75

7 Am¡gV H$m ©H$mar {Z{Y H$rVwbZm _| AÝ` n{aMmbZ »mM© 0.53 0.55

8 bmJV-Am` AZwnmV 54.85 60.49

9 Am¡gV H$m ©H$mar {Z{Y H$r VwbZm _| ñÏmmnZm bmJV 0.87 0.88

bm^m§e

g_J« bmämn«XVm HŸmo Ü`mZ _| a»mVo hwE, dîm© 2013-14 HoŸ {bE {ZXoímHŸ _§SbZo A§{V_ bmämm§ím ` 1.00 n«{V ímo a (10%) (OZdar 2014 HoŸ Xm¡amZ¿mmo{îmV ` 1.00 n«{V ímo a (10%) HoŸ A§V{a_ bmämm§ím HoŸ A{V{aŠV) HŸr{g\Ÿm{aím HŸr h¡. 2013-14 HoŸ {bE bmämm§ím HŸa g{hV B©{ŠdQr bmämm§ím HŸrHwŸb am{ím ` 165.38 HŸamoS h¡.

8

O_m g§J«hÊm

~¡§HŸ HŸr HwŸb O_mam{ím`m| _| 28.12 n«{VímV HŸr dm{îm©HŸ d¥{Õ Xímm©Vo hwE` 97017 HŸamoS go ` 124296 VHŸ HŸr ~TmoËVar hwB©. HŸmgm O_mam{ím`m| _|12.41% HŸr d¥{Õ hwB©, VÏmm `h HwŸb O_mam{ím`m| HŸm 18.44% ~ZVm h¡.HŸmgm O_m _| d¥{Õ, ~MV ~¢HŸ O_mam{ím _| hwB© 12% d¥{Õ HoŸ HŸmaÊm hwAm h¡Om o dîm © Ho Ÿ Xm ¡amZ ` 16978 HŸam oS µ ahm. dîm © 2012-13 HŸr` 84804.14 HŸamoS HŸr VwbZm _| dîm© 2013-14 HoŸ Xm¡amZ Am¡gV HwŸbO_mam{ím`m§ 104437 HŸamoSµ ahr.

HŸ_©Mm{a`m| HŸr CËnmXHŸVm

_mM© 2013 HŸmo g_mßV {dËVr` dîm© HoŸ {bE ` 13.87 HŸamoS n«{V HŸ_©MmarHŸmamo~ma HŸr VwbZm _| _mM© 2014 HŸmo n«{V HŸ_©Mmar HŸmamo~ma 16.74 HŸamoSµahm. ~¡§HŸ HŸm n«{V HŸåm©Mmar bmäm _mM© 2013 HŸmo g_mßV {dËVr` dîm© HoŸ0.05 HŸamoS HŸr VwbZm _| _mM© 2014 HŸmo g_mßV {dËVr` dîm© HoŸ {bE` 0.03 HŸamoS ahm.

emIm ZoQdH©Ÿ

dîm© 2013-14 HoŸ Xm¡amZ 153 ímm»mmAm| HŸmo »mmobZo HoŸ gmÏm HwŸb ímm»mmAm|HŸm ZoQdH©Ÿ {nNbo {dËVr` dîm© HŸo 1359 go 1512 hmo J`m h¡. dîm©2013-14 HoŸ A§V VHŸ 46 {dñVma HŸmC§Qa VÏmm 2 goQbmBQ HŸm`m©b` h¢.

»mwXam F$U

»mwXam CÜmma HŸmo ì`dhm © HŸmamo~ma n«ñVmd HoŸ êŸn _| Xo»mm J`m h¡ VÏmm Omo{»m_\¡Ÿbmd, ~ohVarZ n«{V\Ÿb VÏmm ~Sr _mV«m _| FÊm _§Oyar O¡go {Z{hV bmäm HoŸHŸmaÊm FÊm HoŸ {dHŸmg HoŸ {bE Bgo n«_w»m úmoÍm _mZm OmVm h¡.

dîm© HoŸ Xm¡amZ ~¢HŸ Zo »mwXam FÊm HoŸ AÜmrZ ` 8920 HŸamoS HŸm g§{dVaÊm {HŸ`mAm¡a dîm©-Xa-dîm© 16.14% d¥{Õ XO© HŸaHoŸ `Ïmm _mM© 2014 HŸmo ~HŸm`mam{ím ` 15617 HŸamoS ahr. »mwXam FÊm g§{dämmJ ~¢HŸ HoŸ gHŸb FÊm HŸm18.90% ~ZVm h¡.

`Ïmm 31 _mM© 2014 HŸmo, Amdmg FÊm, {ímúmm FÊm, dmhZ FÊm d AmämyîmÊmFÊm moOZmAm| HoŸ AÜmrZ ~HŸm`m am{ím HŸ«_ím: 5392 HŸamoS, 760 HŸamoS,` 2212 HŸamoS VÏmm ` 3265 HŸamoS ahr.

dîm© HoŸ Xm¡amZ ~¢HŸ Zo {dímoîm A{äm`mZ O¡go 'gå_a ~moZm§ÝµOm', CËgd Üm_mHŸmO¡go J«mhHŸm| HŸmo AmHŸîm©HŸ bmäm n«XmZ HŸaZodmbo {dímoîm A{äm`mZ ímwêŸ {HŸE.

~¢HŸ _m¡OyXm CËnmXm| HŸmo Z`m êŸn XoHŸa »mwXam CÜmma CËnmXm| HŸmo A{ÜmHŸ n«{VñnÜmr©~ZmZo hoVw {Za§Va n« mg HŸaVm ahm h¡. H¥ŸîmHŸ g_wXm` Hr Amdmgr` Amdí`HŸVmAm|HŸmo Ü`mZ _| a»mVo hwE ~¢oHŸ Zo CZHoŸ HoŸ {bE '{dO`m {HŸgmZ Amdmg FÊm' HŸmímwämma§äm {HŸ`m.

~¢HŸ Zo _{hbmAm| HoŸ {bE »mmg d¡ {ŠVHŸ FÊm CËnmX {dO`m _§Jbm VÏmm b¿mwd NmoQo CÚ_m| HŸr Amdí`HŸVmAm| HoŸ {bE E_EgB© {dO` Zm_HŸ FÊm CËnmX HŸmímwämma§äm {HŸ`m h¡.

F$U {dñVma

~¢HŸ HŸm HwŸb CÜmma 16.89% HŸr d¥{Õ XO© HŸaHoŸ `Ïmm 31.03.2013 HoŸ` 70513.53 HŸamoS go ~THŸa `Ïmm 31.03.2014 HŸmo ` 82424.75HŸamoS ~Z J`m.Am{Ïm©HŸ n{aÑí` HoŸ g§nyÊm© é»m HwŸN úmoÍmm| _| X~md HŸmo Ü`mZ _|a»mHŸa ~¢HŸ ~So FÊm n«ñVmdm| HoŸ AZw_moXZ _| M`ZmË_HŸ ahm.

FÊm n«ñVmd HŸr Om§M HoŸ {bE ~¢HŸ Zo n«ñVmd HŸr n«m{ßV HoŸ ñVa na hr Xúmg_w{MV gmdÜmmZr n«{HŸ« m ~Zm`r h¡ VÏmm Bg g§~§Üm _| {dËVr` godmE§ {dämmJd ämmaVr` {aOd© ~¢HŸ go g_`-g_` na n«mßV {Xímm{ZXo©ímm| HŸm nmbZ {HŸ`m h¡.{dËV _§Ímmb` HoŸ _m¡OyXm {Xímm {ZXo©ímm| HoŸ AZwgma ~¢HŸ Zo úmoÍmr` HŸm`m©b` dn«ÜmmZ HŸm`m©b` ñVa go n«mßV FÊm n«ñVmd hoVw g{_{V Ñ{îQHŸmoÊm HŸmo AnZm`mh¡. o g{_{V`m§ Ohm§ VHŸ hmo gHoŸ ~ma§~ma {_bVr h¢ Vm{HŸ FÊm g§~§Ümr {ZÊm©boZo HoŸ g_` HŸmo HŸ_ {HŸ`m Om gHoŸ. AÀNo _mZHŸ FÊm n«g§ñHŸaÊm HŸmo gw{Z{íMVHŸaZo hoVw ~¢HŸ Zo grE/AmB©grSãë yE/grEg/E_~rE HoŸ ì`mdgm{`HŸm| HŸmoämVr© HŸaZo HŸr aÊmZr{V HŸmo Omar a»mVo hwE CZHŸmo Am§V{aHŸ d HŸm © na n«{ímúmÊmCnbãÜm HŸam`r J`r.

~¢HŸ HoŸ FÊm {dämmJ HŸmo {~«{Qím ñQ¡S§S© g§ñWmZ(~rEgAmB©) Ûmam gyMZm gwaúmmn«~§ÜmZ n«Êmmbr HoŸ {bE AmB©EgAmo/AmB©B©gr 27001:2005 n«_mÊmrHŸrHŸaÊmgo n«Ë`m{`V {HŸ`m J`m.

~So Am¡a _Âmm¡bo HŸm°nmo©aoQ

`Ïmm 31.03.2014 HŸmo ~So HŸm°nmo©aoQ »m§S, HwŸb CÜmma HŸm 43.94% ahm.A{ÜmHŸ Ü`mZ H|Ÿ{ÐV HŸaZo hoVw ËmÏmm n«ñVmd HŸmo {ZnQmZo HoŸ g_` HŸmo HŸ_ HŸaZohoVw, {d{^Z ñWmZmo§ na 8 {dímoîmrH¥ŸV HŸm°nmo©aoQ ~¢{H§ŸJ ímm»mmE§, H m ©aV h¡.H m°nmo©aoQ ~¡§{H §J emImAmo§ Ho Acmdm 3 Am¡Úmo{JHŸ {dËV ímm»mmE§ ~w{Z`mXr/J¡a-~w{Z`mXr n{a`moOZmAm| HŸmo {dËVr`Z g{hV J«mhHŸm| HŸr gämr HŸm°nmo©aoQAmdí`HŸVmAm| HŸmo nyam HŸaVm h¡. BgHoŸ Abmdm _Âmm¡bo HŸm°nmo©aoQ d EgE_B©J«mhHŸm| HŸmo CZHŸr ZHŸX n«~§ÜmZ, \Ÿm°aoŠg, »mOmZm CËnmX, ì`mnma {dËV,O_mam{ím`m§, »mwXam ~¢{H§ŸJ, Am{X Amdí`HŸVmAm| HŸr ny{V© hoVw ~¢{H§ŸJ HŸrEgE_B© ímm»mmE§ Xoímäma _| HŸm ©aV h¢.

~¢HŸ HoŸ HŸmnmo©aoQ/EgE_B©/AmB©E\Ÿ~r ~¢{H§ŸJ ímm»mmE§ _r`mXr FÊm, _m§J FÊm,HŸm°nmo©aoQ FÊm, Aënmd{Üm FÊm, HŸm ©HŸmar ny§Or gw{dÜmmE§ ({Z{Üm AmÜmm{aV + J¡a{Z{Üm AmÜmm{aV) ì`mnma {dËV CËnmX, {~«O FÊm, g_yhZ FÊm, _ybämyV gw{dÜmmFÊm, {dXoímr _wÐm FÊm, ämmdr n«mß` {HŸamE HoŸ n«{V FÊm, O¡go HŸB© FÊm CËnmX dgodmE§ n«XmZ HŸaZo HoŸ gmÏm-gmÏm Am¡a HŸm°nmo©aoQ J«mhHŸm| HŸmo CZHŸr Amdí`HŸVmAm|HoŸ AmÜmma na Am¡a ämr HŸB© gw{dÜmmE§ n«XmZ HŸaVr h¡. JV dîmmoª _| ~¢HŸ HŸB© ~hw-amîQ—r` Xoímr HŸmamo~ma ¿mam| VÏmm n«_w»m gmd©O{ZHŸ úmoÍm HŸr H§Ÿn{Z`m| HoŸ gmÏmgwÑT HŸmamo~ma g§~§Üm ñÏmm{nV HŸaZo _o§ {dímoîm n«J{V HŸr h¡.

~w{Z`mXr gw{dYmAm| HoŸ {bE {dËV

dîm© HoŸ Xm¡amZ ~¢HŸ Zo _ybämyV gw{dÜmm g§dJ© HoŸ AÜmrZ {~Obr, Xya g§Mma,nËVZ, gSHŸ Am{X HoŸ {bE ` 8096 HŸamoS {Z{Üm AmÜmm{aV gr_m VÏmm `254 HŸamoS J¡a-{Z{Üm AmÜmm{aV gr_mAm| HŸr _§Oyar Xr h¡. HwŸb CÜmma _| BZ~w{Z`mXr gw{dÜmmAm| _| h_mam {Zdoím 25.85% h¡ VÏmm o {ZÜmm©{aV úmoÍmr`{Zdoím gr_m HoŸ A§VJ©V h¡.

9

n{a`moOZm {dËV Ed§ g_yhZ

~¢HŸ Zo AnZo n«ÜmmZ HŸm`m©b`, ~|Jbya _| n{a`moOZm {dËV VÏmm g_yhZ HŸúm HŸrímwêŸAmV HŸr h¡. HŸúm HŸm HŸm © h¡ n{a`moOZm gyMZm kmnZ HŸr V¡ mar, n{a`moOZmHŸr VHŸZrHŸr Am{Ïm©HŸ ì`dhm ©Vm AÜ``Z VÏmm CÚ{_`m| HŸr FÊm Amdí`HŸVmAm|hoVw g_yhZ HŸm n«~§Üm, Am{X. Bg g_yhZ HŸúm _| d{aîR HŸm ©nmbHŸ Am¡a nmÍmì`mdgm{`HŸ g{hV gúm_ l_ím{ŠV HŸm ©aV h¡.

»mOmZm VÏmm A§Vam©îQ—r` n{aMmbZ

{Zdoím Am¡a {Z{Üm n«~§ÜmZ

~¢HŸ HŸm HwŸb {Zdoím g§{dämmJ 31.03.2013 HoŸ ` 31504.02 HŸamoS(EgEbAma {Zdoím : ` 26064.87 HŸamoS VÏmm J¡a-EgEbAma {Zdoím :` 5439.15 HŸamoS) go `Ïmm 31.03.2014 HŸmo ` 42833.78 HŸamoS(EgEbAma {Zdoím : ` 33319.60 HŸamoS VÏmm J¡a-EgEbAma {Zdoím :` 9514.18 HŸamoS) VHŸ ~T J`m.

31.03.2014 HŸmo 10 dîm© Ý yZV_ bmäm 8.81% ahm O~{HŸ 31.03.2013HŸmo 7.96% ahm.

dîm© HoŸ Xm¡amZ {Zdoím na Am¡gV n«{V\Ÿb ({Zdoím HŸr {~HŸ«r na bmäm VWm AmaAmB©SrE\g[hV) {dËVr` dîm© 2012-13 HoŸ 7.47% HoŸ n«{V 7.75% ahm.

~¢HŸ Zo ämm.{a.~¢. Ûmam {ZÜmm©{aV grAmaAma/EgEbAma AnoúmmAm| HŸm bJmVmaAZwnmbZ {HŸ`m.

A§Vam©îQ—r` ~¢{H§ŸJ

`Ïmm 31.03.2014 HŸmo ~¢HŸ HŸm {Z`m©V FÊm dîm©-Xa-dîm© AmÜmma na 12.25%d¥{Õ Xímm©Vo hwE 1269.38 HŸamoS ahm. Bg_| go {dXoímr _wÐm _| {Z`m©V FÊm HŸr_mÍmm yEgSr 31.24 {_{b`Z ahm. `Ïmm _mM© 2014 HŸmo, ~¢HŸ HŸm {dXoímr{d{Z_` HŸmamo~ma nÊ`mdV© {nNbo {dËVr` dîm© go 42.91% HŸr dm{îm©HŸ d¥{ÕXímm©Vo hwE ` 21065.00 HŸamoS ahm.

h_mar gämr nXZm{_V ímm»mmAm| HoŸ {dXoímr {d{Z_` g§~§Ümr boZXoZ HoŸ n«g§ñHŸaÊmhoVw ~¢HŸ HoŸ n«ÜmmZ HŸm`m©b` _| n{aMmbZmË_HŸ H|ŸÐr`H¥ŸV {dXoímr {d{Z_`n«g§ñHŸaÊm HŸúm h¢. ~¢HŸ Zo ämm{a~¢ HŸmo EŠgAmoEg HŸr Am°ZbmB©Z n«ñVwVrHŸaÊmn{a`moOZm HŸm ämr gnbVmnyd©HŸ HŸm`m©Ýd`Z {HŸ`m h¡.

~¢HŸ HŸr HwŸb EZAmaAmB© O_mam{ím`m§ Ïmm 31.03.2014 HŸmo 30.42% HŸrd¥{Õ XO© HŸaVo hwE, {nNbo {dËVr` dîm© HoŸ A§V VHŸ ` 1839.12 HŸamoS HoŸn«{V 2398.57 HŸamoS ahm. {dËVr` dîm© HoŸ Xm¡amZ, »mmSr Xoímm| go EZAmaAmB©HŸmo ämmaV _| h_mar {HŸgr ämr ímm»mmAm| _| CZHoŸ »mmVm| _| BboŠQ—m°{ZHŸ êŸn go {Z{Üm{dn«oîmÊm HŸaZo hoVw ~¢HŸ Zo yEB© {d{Z_` H|ŸÐ EbEbgr, Ab AZgmar {d{Z_`yEB©, dmb ñQ—rQ EŠgM|O, yEB© EÊS Ab ~Xa EŠgM|O, yEB© HoŸ {bE

""ñnrS/âb¡ím {dn«oîmÊm'' gw{dÜmm n«XmZ HŸr h¡. BgHoŸ Abmdm, ~¢HŸ HŸmo ämmaV _|

AZwa{úmV »mmVm| _| én`m n«o{îmV HŸaZo hoVw Amo_mZ wZmB©QoS H§ŸnZr EbEbgr,Amo_mZ HoŸ gmÏm én`m AmhaÊm ì`dñÏmm ämr h¡. ~¢HŸ Ûmam h_mao A{ZdmgrJ«mhHŸm| HoŸ n«íZm| HoŸ Odm~ XoZo hoVw n«.HŸm., ~|Jbya _| {dímoîm A{Zdmgr J«mhHŸHŸúm HŸr ñÏmmnZm HŸr J`r. ~¢HŸ Zo nm{úmHŸ B©-Ý yOboQa, {dO`m EZAmaB©SmBOoñQ HŸr ímwêŸAmV HŸr h¡, {Og_| A{Zdm{g`m| HŸr é{M HoŸ AZwgma {d{ämÝZ{dîm` ímm{_b {HŸE JE h¢.

{Z`m©V d Am`mV FÊm

~¢HŸ, Xoímr d {dXoímr XmoZm| _wÐmAm| _| Am`mVHŸm| d {Z`m©VHŸm| HŸr {dËVr`Amdí`HŸVmAm| HŸmo nyam HŸaZo hoVw g{HŸ« êŸn go HŸm ©aV h¡. Xoím HoŸ {d{ämÝZämmJm| _| HŸm ©aV 47 ímm»mmE§ {dXoímr {d{Z_` HŸmamo~ma g§ämmbZo hoVw nXZm{_VHŸr JB© h¢.

Am{ñV JwÊmdËVm

~¢HŸ ZE {\ŸgbZ HŸmo amoHŸZo VÏmm bJmVma Am{ñV JwÊmdËVm ~ZmE a»mZo na µOmoaXoVm ahm h¡. Bg {Xímm _| ~¢HŸ Zo {d{ämÝZ Cnm`m| HŸmo bmJy {HŸ`m h¡ {Og_| go HwŸNBg n«HŸma h¢ :

• úmrÊm g§HoŸV Xímm©Zodmbo/Xo am{ím _| MyHŸ hmoZodmbo »mmVm| HŸmo nhMmZmJ`m Am¡a CÝh| {dímoîm {ZJamZr »mmVo HŸr loÊmr _| a»mm J`m. Ohm§ HŸht ämrg§ämd Ïmm Eogr Am{ñV`m| HŸr nwZgªaMZm HŸr J`r, `mo½` _m_bm| _|Amdí`HŸVm AmÜmm{aV A{V{aŠV FÊm gr_mAm| na {dMma {HŸ`m J`mVm{HŸ ZE {\ŸgbZ HŸmo amoHŸm Om gHoŸ. gämr é½Êm ì`dhm © E_EgE_B©BHŸmB`m| HoŸ nmoîmÊm HŸm ©HŸ«_ na Ü`mZ HoŸ{ÝÐV HŸaZo hoVw n«ÜmmZ HŸm`m©b`VÏmm úmoÍmr` HŸm`m©b` ñVa na EHŸ é½Êm BHŸmB© nwZ:ñÏmmnZ HŸúm HŸmoñÏmm{nV {HŸ`m J`m h¡.

• EZnrE »mmVm| HoŸ ì`d{ñÏmV AZwdV©Z hoVw úmo.HŸm. _| {dímoîm dgybr HŸúmm|HŸm JRZ {HŸ`m J`m. {OZ H|ŸÐm| _| FÊm dgybr n«m{ÜmHŸaÊm HŸm ©aV h¢ dhm§ZmoSb A{ÜmHŸm{a`m| HŸmo nXZm{_V {HŸ`m J`m h¡ Omo _m_bm| HoŸ ímr¿«m{ZnQmZ hoVw nrRmgrZ VÏmm ~¢HŸ HoŸ A{ÜmdŠVm HoŸ gmÏm {Z`{_V êŸn gog§nH©Ÿ a»mVo h¢.

• ~¢HŸ HŸr AÚVZ Zr{V HoŸ AZwgma h_mao ~¢HŸ/gmd©O{ZHŸ úmoÍm HoŸ ~¢HŸ/gmd©O{ZHŸ úmoÍm HoŸ CÚ_m|/gaHŸmar {dämmJm| HoŸ godm{Zd¥ËV A{ÜmHŸm{a`m|HŸr godmAm| HŸmo ämr ~¢HŸ HoŸ ~HŸm o HŸr dgybr hoVw Cn`moJ {HŸ`m Om ahm h¡.

• BamXVZ MyHŸHŸVm©Am| HoŸ _m_bo _| n«{Vämy{VHŸaÊm O¡go HŸmZyZr {dHŸëng{hV ämm.{a.~¢. HŸmo Zm_ XoZm Am{X HŸRmoa dgybr Cnm` VËHŸmb HŸaVo h¢.

• AZO©HŸ FÊmm| HŸr Ëd{aV dgybr hoVw bmoHŸ AXmbV/SrAmaQr AXmbVHŸr godmE§ br OmVr h¡.

• Ëd{aV dgybr HŸr gw{dÜmm hoVw, ~¢HŸ HŸr dgybr Zr{V HoŸ AÜmrZ {d{ämÝZH|ŸX«m| _| ímm»mmAm| HoŸ g_yh HoŸ {bE {Z`{_V êŸn go {dO`m AXmbV HŸm

10

Am`moOZ {HŸ`m OmVm h¡, Ohm§ na »mmVm| HŸm {ZnQmZ Cgr OJh na {HŸ`mOmVm h¡. dîm© HoŸ Xm¡amZ 31.03.2014 VHŸ Eogo g_Âmm¡Vo HoŸ O{aE ~¢HŸÛmam 6058 »mmVm| HoŸ AÜmrZ ` 90.92 HŸamoS HŸr dgybr HŸr J`r.

• ` 5 bm»m VHŸ HŸr Xo Vmdmbo CÜmmaHŸVm©Am| HoŸ {bE gabrH¥ŸV ímVmoª HoŸgmÏm dîm© 2013-14 HoŸ Xm¡amZ EHŸ {dímoîm EHŸ~maJr {ZnQmZ moOZm HŸmn«ma§äm {HŸ`m J`m Omo 31.03.2014 VHŸ Mbr.

• dîm© 2013-14 HoŸ Xm¡amZ Xr¿m©HŸm{bHŸ Q—¡ŠQa FÊm EZnrE »mmVm| HoŸ {bE{dímoîm EHŸ~maJr g_Âmm¡Vm moOZm HŸr ímwêŸAmV HŸr h¡, Omo 31.03.2014VHŸ Mbr.

`Ïmm _mM© 2014 HŸmo HwŸb A{J«_m| HoŸ ~¢HŸ HŸm gHŸb J¡a-{ZînmXZAm{ñV 2.41% ahm, O~{HŸ {Zdb A{J«_m| go {Zdb EZnrE AZwnmV1.55% Ïmm. dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ HŸmo 704.13 HŸamoSµ HŸr HwŸbZHŸX dgybr hwB© (ã`mO g{hV) VÏmm ` 989.15 HŸamoS HoŸ EZnrE HŸmCÝZ`Z {HŸ`m J`m. AmJo, ~¢HŸ Zo `Ïmm 31 _mM© 2014 ŸHŸm o` 142.71 HŸamoS HoŸ A{ñÏma n«mdÜmmZrHŸaÊm HoŸ Abmdm An«Ë`m{ímV MyHŸHoŸ {bE 567.21 HŸamoS HŸm n«mdÜmmZrHŸaÊm ämr {HŸ m. Ïmm _mM© 2014 HŸmon«mdÜmmZ n«mdaÊm AZwnmV (nrSãë yAmo g{hV) 64.05% ahm.

Omo{»m_ n«~§ÜmZ

FÊm Omo{»m_

~¢HŸ HoŸ HŸmnmo©aoQ bú` VÏmm ~¢HŸ HŸr `moOZm HoŸ AZwêŸn ~¢HŸ HŸr FÊm Zr{V HŸmog_`-g_` na g§ímmo{ÜmV {HŸ`m OmVm h¡ Vm{HŸ AÝ` {dîm`m| HoŸ gmÏm-gmÏmAÝ` nhbwAm| HŸmo O¡go Omo{»m_ HŸr n«d¥{ËV, Omo{»m_ AmÜmm{aV _yë`Z, Omo{»m_{d{dÜmrHŸaÊm/{ZdmaÊm HŸm © Zr{V, `Ïmmo{MV gr_mE§, n`m©ßV FÊm gr_mE§,A{Üm_mÝ` úmoÍm d¥{Õ HŸr HŸm ©Zr{V, FÊm AZw_moXZ n«{HŸ« m, n«bo»mZ d gwaúmm_mZHŸ, gwaúmm _yë`m§HŸZ Am{X.

~¢HŸ HŸr ñQ—og QoñQ Zr{V HoŸ AZwgma, FÊm Omo{»m_ na FÊm g§{dämmJ HŸmo ao{Q§J _|SmCZJ«oS HŸaZo HoŸ {bE CÀMVa n«mdÜmmZ HŸr Amdí`HŸVm h¡, Am{ñV {ñÏm{V _|{\ŸgbZ Am{X O¡go ñQ—og QoñQ dm{îm©HŸ AmÜmma na {HŸ`m OmVm h¡.

~¢HŸ Zo ì`mnHŸ Omo{»m_ ao{Q§J/ñHŸmo{a§J n«Êmmbr ~Zm`r h¡ Omo n«{Vnúmr {d{dÜmOmo{»m_ ¿mQHŸm| HŸm EHŸb {~§Xw gyMHŸ h¡ VÏmm {ñÏma êŸn go FÊm {ZÊm© boZo HŸo{bE Cn`moJr h¡. Amdmg d AÝ` »mwXam úmoÍmm| HoŸ {bE AbJ Omo{»m_ ñHŸmo{a§J_m°Sb HŸmo ämr V¡ ma {HŸ`m h¡ Vm{HŸ Omo{»m_ ao{Q§J HŸm © HŸm A{ÜmHŸV_ n«mdaÊmgw{Z{íMV {HŸ`m Om gHoŸ. ` 1.00 HŸamoS go A{ÜmHŸ CÜmma HoŸ g§~§Üm AÜm©-ìmm{îm©HŸ Vm¡a na A{ämJ_Z {díboîmÊm {HŸ`m J`m h¡. ~¢HŸ Zo gämr »mwXam d J¡a-»mwXam FÊm HoŸ Omo{»m_ loÊmrHŸaÊm HoŸ {bE {gV§~a 2009 go {HŸ«{gb go n«mßVFÊm Omo{»m_ loÊmrHŸaÊm gmâQdo a, Omo ~ogb II g_Ïm©HŸ h¡, HŸr ímwêŸAmV HŸr h¡.`h gmâQdo a ~¢HŸ HoŸ gämr n«HŸma HoŸ FÊm HŸmo _§Oyar go nhbo FÊm loÊmrHŸaÊm HoŸAÜmrZ n«md{aV HŸaVm h¡, Vm{HŸ FÊm HŸr JwÊmdËVm HŸmo gw{Z{íMV {HŸ`m OmgHŸVm h¡ Am¡a gmÏm hr ~ogb II HoŸ ES²dmÝñmS En«moM HŸm§ßbE§g HŸr AmoaAJ«ga hmo gH|Ÿ.

Am{ñV Xo Vm n«~§ÜmZ (EEbE_) d ~mµOma Omo{»m_

~¢HŸ HoŸ EEbE_ VÏmm ~mOma Omo{»m_ HŸm n«~§ÜmZ Am{ñV Xo Vm n«~§ÜmZ g{_{V(EEbgrAmo) VÏmm ~mOma Omo{»m_ n«~§ÜmZ g{_{V (E_AmaE_gr) Ûmam {HŸ`mOmVm h¡¡. {d{ämÝZ gm{å`HŸ »m§Sm| _| Ag_mZVmAm| HoŸ {bE Cn wŠV ghZímrbgr_mE§ {ZÜmm©{aV HŸr J`r h¢ Vm{HŸ Mb {Z{Üm d ã`mO Xa Omo{»m_ XmoZm| HŸmn«~§ÜmZ {HŸ`m Om gHoŸ Am¡a 15 {XZm| HoŸ A§Vamb _| BgHŸm AZwdV©Z {HŸ`m OmVmh¡ Am¡a {ZXoímHŸ _§Sb HŸmo AdJV HŸam`m OmVm h¡.

~mOma Omo{»m_ FÊm Omo{»m_ na _yë` (drEAma), EOrEb (HwŸb A§Va gr_m)VÏmm Ad{Üm A§Va {díboîmÊm O¡go gmÜmZm| go _mn {HŸ`m OmVm h¡. Xoím Omo{»m_{ZJamZr HoŸ n«~§ÜmZ Am¡a AZwn«dV©Z hoVw gämr Xoímm| HoŸ {bE EHŸb {Zdoím gr_mE§Am¡a g_yh gr_mE§ {ZÜmm©{aV {HŸE JE h¢. »mOmZm n{aMmbZ g§~§Ümr {_S-Am{\Ÿg {anmoQmoª {Og_| AndmXm|, g_rúmmAm| VÏmm AZwnmbZ Am{X g_m{dîQh¡, HŸmo amoO Omo{»m_ n«~§ÜmZ {dämmJ HoŸ _hm n«~§ÜmHŸ HoŸ g_úm n«ñVwV {HŸ`m OmVmh¡ Am¡a n«{V _mh E_AmaE_gr HŸo g_úm n«ñVwV {HŸ`m OmVm h¡.

nyao ã`mO Xa Omo{»m_ g§{dämmJ HŸmo Omo{»m_ na AO©Z (B©EAma) HoŸ O{aEA{ämkßV Am¡a _m{nV {HŸ`m OmVm h¡. ímrîm©ñÏm n«~§ÜmZ Ûmam g§doXZímrb {díboîmÊmämr {HŸ`m OmVm h¡ Am¡a g_rúmm ämr HŸr OmVr h¡. AmHŸ{ñ_HŸVm {Z{Üm `moOZm,{ddoHŸnyÊm© AZwnmV/gr_mE§ ämr {ZÜmm©{aV {HŸE JE h¢ Am¡a VabVm Omo{»m_n«~§ÜmZ HoŸ A§J HoŸ êŸn _| dmñV{dHŸ {ñÏm{V HŸr ämr {ZJamZr a»mr OmVr h¡. ã`mOXa Omo{»m_, VabVm Omo{»m_, {dXoímr {d{Z_` Am{X na {d{ämÝZ n{adoímm| _|{V_mhr AmÜmma na ñQ—og QoñQ {HŸ`m OmVm h¡ Am¡a EëHŸmo HŸmo AdJV HŸam`m OmVmh¡. Aënmd{Üm VabVm na {ZJamZr a»mZo HoŸ {bE ~¢HŸ X¡{ZHŸ Vm¡a na g§aúmÊmmË_HŸVabVm HŸr EEbE_ {ddaÊmr V¡ ma HŸa ahm h¡.

ã`mO Xa _moS na 200 AmÜmma {~§Xw ímm°HŸ HŸm n« moJ HŸaVo hwE B©{ŠdQr (ZoQdÏm©)na g§ämmì` ~mOma _yë` HŸm {ZÜmm©aÊm HŸaZo HoŸ {bE Ad{Üm A§Vamb {díboîmÊmHŸm AZwnmbZ {HŸ`m OmVm h¡.

~mOma Omo{»m_ HoŸ {bE Am§V{aHŸ _m°Sb En«moM (CÝZV Ñ{îQHŸmoÊm) HŸmo bmJyHŸaZo HoŸ {bE ~¢HŸ Zo ämm.{a.~¢. go AZw_{V _m§Jr h¡.

ímm»mm bmämn«XVm HoŸ d¡Ümm{ZHŸ {ZÜmm©aÊm HoŸ {bE {Z{Üm A§VaÊm _yë`Z Omo A§VaÊm_yë`Z V§Ím HŸm Z`m V§ÍmkmZ h¡, HŸmo {HŸ« m{ÝdV {HŸ`m J`m h¡.

n{aMmbZmË_HŸ Omo{»m_

n{aMmbZmË_HŸ Omo{»m_ HŸmo Xya HŸaZo hoVw Ümmo»mmÜmSr _m_bm| HŸm AZoHŸ {díboîmÊm{HŸ`m J`m, Vm{HŸ Omo{»m_ n«~§ÜmZ Ñ{îQHŸmoÊm go n«ÊmmbrJV HŸ{_`m| HŸmo nhMmZmOm gHoŸ. BZ_| ghm`Vm g§¿m, {d{ämÝZ drHoŸgr, Am°Qmo VÏmm Amdmg FÊm »mmVm|HoŸ AÜmrZ {anmoQ© HŸr J`r n«_w»m Ümmo»mmÜm{S`m| HŸm {díboîmÊm ämr ímm{_b h¡.AmJo, n{aMmbZmË_HŸ Omo{»m_ HŸmo HŸ_ HŸaZo HoŸ {bE _m¡OyXm n«Êmmbr d n«{HŸ« m_| gwÜmma bmZo hoVw {d{ämÝZ gwÂmmdm| HŸmo AnZm`m h¡. n{aMmbZmË_HŸ Omo{»m_ HoŸ_yë`m§HŸZ hoVw ~¢HŸ {ddo{MV ì`mnma n«{HŸ« mAm| na Omo{»m_ d {Z §ÍmÊm ñd §{ZÜmm©aÊm (AmagrEgE) Am¡a äm{dî` _| ì`dhm © n{aMmbZmË_HŸ hm{Z`m| HŸmo

11

QmbZo HoŸ {bE n«_w»m n{aMmbZm| _| g_ñ`mË_HŸ úmoÍmm| HŸmo nVm bJmZo HoŸ {bEn«_w»m Omo{»m_ g§HoŸVHŸm| HŸmo (HoŸAmaAmB©) HŸmo nhMmZ ahm h¡. Omo{»m_ d {Z §ÍmÊmñd § {ZÜmm©aÊm (AmagrEgE) Am¡a n«_w»m Omo{»m_ g§HoŸVHŸ (HoŸAmaAmB©) HŸmodm{îm©HŸ Vm¡a na g_rúmm HŸr OmVr h¡. AmJo, 2013-14 HŸr Ad{Üm HoŸ Xm¡amZAmbmoMZmË_HŸ úmoÍm O¡go dm{Êm{Á`HŸ ~¢{H§ŸJ, »mOmZm n{aMmbZ, ämwJVmZ d{ZnQmZ, {dËVr` g_mdoímZ HoŸ {bE AmagrEgE Am`mo{OV HŸr J`r.

_mZHŸrH¥ŸV Ñ{îQHŸmoÊm (X ñQ¡ÊSSmm©BOS En«moM (QrEgE)) HoŸ HŸm`m©Ýd`Z hoVw~¢HŸ Zo AZw_moXZ HoŸ {bE ämmaVr` {aOd© ~¢HŸ HŸmo AmdoXZ {HŸ`m h¡.

~ogb II Am¡a ~ogb III HŸm AZwnmbZ

My§{HŸ HŸmnmo©aoQ J«mhHŸm| HoŸ _m_bo _| ämm.{a.~¢. Ûmam AZw_mo{XV ao{Q§J EOo{Ýg`m| HoŸOmo{»m_ loÊmrHŸaÊm {ñÏm{V HŸr Amdí`HŸVm hmoVr h¡, ~¢HŸ Zo gämr N: ao{Q§JEOo{Ýg`m| AÏmm©V {HŸ«{gb, AmagrAmaE, grEAmaB©, {~«HŸdH©Ÿ, EgE_B©AmaEd {\ŸM HoŸ gmÏm HŸama {HŸ`m h¡ Vm{HŸ CÜmmaHŸVm© n«{VñnÜmm©Ë_HŸ Xa na ao{Q§J godmE§n«mßV HŸa gHŸVo h¢ Am¡a ~¢HŸ HŸmo ämr ao{Q§J HŸr {ñÏm{V HoŸ AmÜmma na HŸ_ ny§Or n«ämmaHŸm bmäm {_bo. ~¢HŸ Zo AnZr AmB©grEEnr Zr{V êŸnm{`V HŸr h¡ VÏmm Cgo AÜm©-dm{îm©HŸ AmÜmma na ämmaVr` {aOd© ~¢HŸ HŸmo n«ñVwV {HŸ`m OmVm h¡.

ämm.{a.~¢. {Xímm {ZXo©ímm| HoŸ AZwêŸn VÏmm FÊm Omo{»m_ HoŸ {bE _mZHŸrH¥ŸV Ñ{îQHŸmoÊm,~mOma Omo{»m_ HoŸ {bE _mZHŸrH¥ŸV Ad{Üm Ñ{îQHŸmoÊm Am¡a n{aMmbZmË_HŸ Omo{»m_HoŸ {bE _yb g§HoŸVHŸ Ñ{îQHŸmoÊm AnZmVo hwE ~¢HŸ Zo ~ogb II _mZX§Sm| HŸmAZwnmbZ {HŸ`m h¡. Am¡a Ïmm 31 _mM© 2014 HŸmo g_J« ny§Or n`m©ßVVm AZwnmV10.97% ~ZVm h¡ Omo {ZÜmm©{aV Ý yZV_ 9% _mZX§S go A{ÜmHŸ h¡. ~¢HŸ Zo~ogb III _mZX§Sm| HŸm AZwnmbZ {HŸ`m h¡. Am¡a Ïmm 31 _mM© 2014 HŸmo g_J«ny§Or n`m©ßVVm AZwnmV 10.56% ~ZVm h¡ Omo {ZÜmm©{aV Ý yZV_ 9% _mZX§Sgo A{ÜmHŸ h¡.

EHŸrH¥ŸV Omo{»m_ n«~§ÜmZ n«Êmmbr (AmB©AmaE_Eg) n{a`moOZm

~ogb II Tm§Mo _| gab VÏmm n«ämmdr T§J go g§HŸ«_Êm HŸaZo HoŸ CÔoí` go ~¢HŸEHŸrH¥ŸV Omo{»m_ n«~§ÜmZ n«Êmmbr (AmB©AmaE_Eg) HŸm HŸm`m©Ýd`Z HŸa ahm h¡.

A{ÛVr` AmB©AmaE_Eg n{a`moOZm _| N: g_mÜmmZ h¢ - O¡go FÊm Omo{»m_n«~§ÜmZ (grAmaE_); ~mµOma Omo{»m_ n«~§ÜmZ (E_AmaE_); n{aMmbZ Omo{»m_n«~§ÜmZ (AmoAmaE_); FÊm Omo{»m_ Xa {ZÜmm©aÊm g_mÜmmZ (grAmaAma) (»mwXamd J¡a-»mwXam); Am{ñV Xo Vm n«~§ÜmZ (EEbE_) VÏmm {Z{Üm A§VaÊm _yë`{ZÜmm©aÊm (E\ŸQrnr) g_mÜmmZ.

AmB©EgAmo-27001 - Omo{»m_ n«~§ÜmZ {dämmJ HŸmo n«_mÊmrHŸaÊm

~¢HŸ HoŸ Omo{»m_ n«~§ÜmZ {dämmJ HŸmo n«{V{îRV AmB©EgAmo/AmB©B©gr 27001n«_mÊmrHŸaÊm go ZdmOm J`m h¡. AmB©EgAmo _mZHŸ HoŸ AZwnmbZ HŸm n«_mÊmrHŸaÊm{~«{Qím _mZHŸ g§ñÏmm (~rEgAmB©) Zo {HŸ`m h¡. h n«_mÊmrHŸaÊm Omo{»m_ n«~§ÜmZn«Êmmbr, n«m¡Úmo{JHŸr d n«{HŸ« m _| gwaúmm n«~§ÜmZ _| C{MV ì`dhma AnZmZo HoŸ

{bE ~¢HŸ HŸr n«{V~ÕVm HŸm EHŸ ämmJ h¡. Omo{»m_ n«~§ÜmZ {dämmJ HŸmo AmB©EgAmo/AmB©B©gr-27001 HŸm n«_mÊmrHŸaÊm Bg ~mV HŸm gyMHŸ h¡ {HŸ gyMZm n«m¡Úmo{JHŸrÑ{îQHŸmoÊm go »mVao Am¡a HŸ_Omo{a`m| HoŸ n«ämmd HŸmo Ü`mZ _| a»mVo hwE ~¢HŸ gyMZmgwaúmm Omo{»m_ HŸmo gwì`d{ñÏmV VarHoŸ go _yë`m§{HŸV HŸaZo HŸo n«{V n«{V~Õ h¡.

ny§Or n`m©ßVVm

31.03.2014 HŸmo ~¢HŸ HŸr ny§Or n`m©ßVVm AZwnmV ~ogb-II HoŸ AÜmrZ10.97% VÏmm ~ogb-III HoŸ AÜmrZ 10.56% ahm O~{HŸ ämmaVr` {aµOd©~¢HŸ HŸmŸ _mZX§S 9% h¡. `Ïmm 31.03.2014 HŸmo ~¡§H$ H$r {Q`a-I ny§Or~ogb-II HoŸ AÜmrZ ` 5638.93 HŸamoS VÏmm ~ogb-III HoŸ AÜmrZ` 5517.65 HŸamoS ahm. ~ogb-II HoŸ AÜmrZ {Q`a-II ny§Or ` 1816.07HŸamoS VÏmm ~ogb-III HoŸ AÜmrZ ` 1653.29 HŸamoS ahm.

amîQ—r` n«mÏm{_HŸVm

n«mW{_H$Vm úmoÌ CYma

~¢HŸ HŸm HwŸb n«mÏm{_HŸVm úmoÍm A{J«_ _mM© 2014 HoŸ A§V _| 25855 HŸamoSahm. ~¢HŸ HŸm n«mÏm{_HŸVm úmoÍm A{J«_ g_m`mo{OV {Zdb ~¢HŸ FÊm (EEZ~rgr)HŸmŸ 35.55% ahm.

H¥${f {dËV

~¢H$ HŸm n«Ë`úm H¥Ÿ{îm A{J«_ _mM© 2014 HŸmo ` 6392 HŸamoS ahm. HwŸb H¥Ÿ{îmA{J«_ ` 9665 HŸamoS ahm Omo g_m`mo{OV {Zdb ~¢HŸ FÊm HŸm 13.29%

~ZVm h¡.

dîm© HoŸ Xm¡amZ ~¢HŸ Zo JmoXm_ {dHŸmg d {Z`m_HŸ n«m{ÜmHŸmar (Sãë ySrAmaE) gon§OrH¥ŸV JmoXm_m| Ûmam Omar JmoXm_ agrX HoŸ n«{V H¥ŸîmHŸm| HoŸ {bE Z`r {Jadr FÊm`moOZm HŸr ímwêŸAmV HŸr VÏmm HŸm°\Ÿr CËnmXHŸm| HoŸ {bE {dO`m ßb¢Qg© HŸmS©`moOZm HŸmo gwÜmma {HŸ`m. ~¢HŸ Zo H¥Ÿ{îm FÊm HŸmo \ŸmBb HŸaZo d Q—¡HŸ HŸaZo hoVw do~AmÜmm{aV AmdoXZ êŸnm{`V HŸr h¡ {OgHoŸ O{aE J«mhHŸ h_mar do~gmBQ _o§bm°J-BZ HŸaHoŸ {HŸgr ämr n«HŸma HoŸ HŸ¥{îm FÊm HoŸ {bE Am°Z-bmBZ AmdoXZ HŸagHŸVo h¢.

H¥Ÿ{îm HoŸ {bE g§{dVaÊm :

{dímoîm H¥Ÿ{îm FÊm moOZm HoŸ AÜmrZ ~¢HŸ Zo ` 6634 HŸamoS HoŸ bú` HoŸ n«{V dîm©2013-14 HoŸ Xm¡amZ ` 6695 HŸamoS HŸm g§{dVaÊm {HŸ`m.

{HŸgmZ HŸ«o{SQ HŸmS© `moOZm

ämm.{a.~¢./ämmaV gaHŸma HoŸ _mJ©{ZXo©ímm| HoŸ AZwgma, ~¢HŸ Ûmam {dO`m {HŸgmZHŸmS© (drHoŸgr) `moOZm g§ímmo{ÜmV HŸr J`r. g§ímmo{ÜmV drHoŸgr `moOZm _| CËnmXFÊm (AënHŸmbrZ \Ÿgb FÊm) VÏmm {Zdoím FÊm (gmd{Üm FÊm) XmoZm| HoŸ {bEn«mdÜmmZ h¡. HŸmS© HŸr d¡ÜmVm 5 gmb HoŸ {bE {dñVm{aV {HŸ`m h¡ VÏmm {hVÜmmaHŸm|HŸmo EQrE_ g_Ïm© {HŸgmZHŸmS© Omar {HŸ`m J`m h¡.

12

dîm© 2013-14 HoŸ Xm¡amZ {dO`m {HŸgmZ HŸmS© moOZm HoŸ AÜmrZ ~¢HŸ Zo 67192{dO`m {HŸgmZ HŸmS© Omar {HŸE VÏmm ` 765 HŸamoS g§{dV{aV {HŸE. `Ïmm31.03.2014 HŸmo drHoŸgr HŸm ~HŸm`m ñVa 127477 »mmVm| HoŸ O{aE` 1593 HŸamoS ahm. ~¢HŸ HoŸ {HŸgmZ HŸmS© A~ éno ßb¡Q\Ÿm_© HoŸ AÜmrZ EQrE_g_{Ïm©V h¢ VÏmm 88598 n{aMmbZmË_HŸ drHoŸgr »mmVm| _| go 81716 {HŸgmZm|HŸmo EQrE_ g_{Ïm©V {HŸgmZ HŸmS© Omar {HŸE JE h¢.

{dO`m H¥Ÿ{îm {dHŸmg H|ŸÐ

dîm© 2013-14 HoŸ Xm¡amZ _w»` n«~§ÜmHŸm| HŸr AÜ`úmVm _|, gm§½br (nwÊmo úmoÍm)d ~mJbHŸmoQ (hwãbr úmoÍm) _| ímm»mm g_yhm| HoŸ O{aE CÀM _yë`/hmB©-QoHŸH¥Ÿ{îm n{a`moOZmAm| na {dímoîm Ü`mZ H|Ÿ{ÐV HŸaZo HoŸ {bE {dO`m H¥Ÿ{îm {dHŸmgH|ŸÐ (drHoŸdrHoŸ) HŸr ñÏmmnZm HŸr J`r.

gyú_, b¿mw Am¡a _Âmm¡bo CÚ_m| (E_EgE_B©) HŸm {dËVnmoîmÊm

gyú_ Am¡a bKw CÚ_m| HŸmo A{J«_ _mM© 2013 HoŸ ` 8716 HŸamoS go ~THŸa_mM© 2014 HŸmo ` 10691 HŸamoS hmo J`m Omo dîm©-Xa-dîm© 22.66% HŸrd¥{Õ Xímm©Vm h¡.

23.80%, HŸr dîm©-Xa-dîm© d¥{Õ Xímm©Vo hwE `Ïmm _mM© 2013 HŸmo gyú_,b¿mw Am¡a _Âmm¡bo CÚ_m| HŸmo {XE JE A{J«_ ` 10594 HŸamoS go ~THŸa _mM©2014 _| ` 13115 HŸamoS hwE.

~¢HŸ Zo grOrQrE_EgB© `moOZm HoŸ AÜmrZ {dímoîmV: E_EgB© J«mhHŸm| HoŸ {bE''E_EgB© {dO`'' Zm_HŸ EHŸ ZE CËnmX VÏmm HŸmOy CÚmoJ HŸr _m§J HŸr ny{V© HoŸ{bE 'dr-H¡Ÿí y'' HŸr ímwêŸAmV HŸr.

E_EgE_B© HoŸ A§VJ©V n«ñVmdm| HoŸ Ëd{aV {ZnQmao HoŸ {bE E_EgE_B© FÊmAmdoXZm| HŸm Am°ZbmBZ n§OrHŸaÊm VÏmm Q—¡{H§ŸJ nÕ{V CnbãÜm h¡. AmJo,E_EgE_B© CÜmmaHŸVm©Am| HŸmo Am°ZbmBZ AmdoXZ ämaZo HoŸ Vwa§V ~mX EgE_EgAbQ©—ñm Ûmam nmdVr {_bVm h¡.

H$_µOmoa dJm] H$mo A{J«_

_mM© 2014 VHŸ ~¢HŸ Ûmam HŸ_µOmoa dJmoª HŸmo ~HŸm`m A{J«_ 7214 HŸamoS Ïmm Omo{ZÜmm©{aV 10% _mZX§S HoŸ n«{V EEZ~rgr HŸm 9.92% ~ZVm h¡¡. HŸ_µOmoa dJmoª HoŸA{J«_ _mM© 2013 go 29.26% d¥{Õ Xa Xímm©Vo hwE ` 1633 HŸamoS ahr.

ñd-ghm` g_yh (EgEMOr)/g§ wŠV Xo Vm g_yh (OoEbOr)/gyú_ {dËVg§ñÏmmZ (E_E\ŸAmB©)

~¢HŸ Zo ñd-ghm` g_yh (EgEMOr)/g§ wŠV Xo Vm g_yh (OoEbOr)/gyú_{dËV g§ñÏmmZ (E_E\ŸAmB©) HŸmo CÀM n«mÏm{_HŸVm Xr h¡. O~{HŸ ~¢HŸ Zo EgEMOr/OoEbOr/E_E\ŸAmB© HŸmo ` 368 HŸamoS g§{dV{aV {HŸ`m h¡, Bg úmoÍm _| CÜmmaHŸm ~HŸm`m ñVa `Ïmm 31.03.2014 HŸmo ` 719 HŸamoS ahm.

_m¡OyXm EgOrEgdmB© `moOZm HoŸ ~Xbo _|, ämmaV gaHŸma Ûmam ímwêŸ {HŸE JEamîQ—r` J«m_rÊm AmOr{dHŸm {_ímZ `moOZm (EZAmaEbE_) _| ~¢HŸ HŸr g{HŸ«ghämm{JVm h¡.

_{hbm {hVm{YH$m{a`m| H$mo F$U

_{hbm {hVm{YH$m{a`m| HŸmo A{J«_ 12.06% HŸr d¥{Õ Xímm©Vo hwE _mM© 2013HoŸ ` 4526 HŸamoS HŸr VwbZm _| _mM© 2014 _| ` 5072 H$amoS ahm._{hbmAm| HŸmo, EEZ~rgr HoŸ 5% HoŸ {ZÜmm©{aV _mZX§S HoŸ n«{V ~¢HŸ HŸrCnb{ãÜm 6.97% h¡.

AJ«Êmr ~¢HŸ `moOZm

h_mao ~¢HŸ HŸmo HŸZm©QHŸ amÁ` HoŸ 3 {Obm| AÏmm©V _ÊS² m, hwãbr Am¡a hmdoar{Obm| _| AJ«Êmr ~¢HŸ HŸr {Oå_oXmar h¡. gämr VrZ {Obm| HoŸ AJ«Êmr {Obmn«~§ÜmHŸ g§~§{ÜmV {Obo HŸr gämr ~¢HŸ ímm»mmAm| HoŸ gmÏm g_Ýd` HŸaHoŸ dm{îm©HŸFÊm `moOZm, gaHŸma Ûmam n«m`mo{OV `moOZm, {dËVr` g_mdoímZ grÜmm bmämA§VaÊm `moOZm Am{X HoŸ AÜmrZ bú`m| HŸr n«m{ßV gw{Z{íMV HŸaVo h¢. AJ«Êmr~¢HŸ moOZm§VJ©V _mM© 2014 HŸmo BZ VrZ {Obm| _| dm{îm©HŸ FÊm moOZm HoŸ µO{aEh_mao ~¢HŸ HoŸ FÊm HŸmŸ {hñgm ` 623 H$amoS bú` HoŸ n«{V ` 613 H$amoS ahm.

gaH$ma Ûmam n«m`mo{OV `moOZmAm| HoŸ VhV CYma

~¢HŸ bJmVma gaHŸma Ûmam n«m`mo{OV `moOZmAm| HŸmo bmJy HŸaZo HŸmo _hËd XoVmAm ahm h¡. gaHŸma Ûmam n«m`mo{OV {d{^Þ `moOZmAmo§ HoŸ AÜmrZ ~¡§H$ HoŸ CÜmma{ZåZmZwgma h¡:

(` HŸamoSm| _o§)

H«$_ g§. `moOZmE± {hVm{YH$m{a`mo§ _mM© 2014 H$moH$r g§»`m ~H$m`m F$U am{e

1 nrE_B©Ornr 7093 89.95

2 EgOrEgdmB© 1540 9.08

3 EgOoEgAmadmB© 4058 24.12

4 EZAmaEbE_ 4247 89.60

AZwgy{MV Om{V/AZwgy{MV OZOm{V H$mo A{J«_

AZwgy{MV Om{V/AZwgy{MV OZOm{V HŸmo HwŸb A{J«_ _mM© 2013 HoŸ` 1015 HŸamoS HoŸ$n«{V _mM© 2014 VHŸ Ÿ` 1125 H$amoS ahm Omo 10.84%d¥{Õ Xímm©Vm h¡. AZwgy{MV Om{V/AZwgy{MV OZOm{V HŸmo {XE OmZodmbo` 5.00 bm»m VHŸ HoŸ gämr FÊm, Omo n«mÏm{_HŸVm úmoÍm d »mwXam FÊm HoŸ AÜmrZAmVo h¢, HŸr ã`mO Xa HŸmo 1% HŸ_ {HŸ`m h¡.

Aëng§»`H$ g_wXm`m| H$mo F$U

_mM© 2014 HŸmo Aëng§»`H$ g_wXm`m| H$mo {XE JE A{J«_m| H$r _mÌm 3143HŸamoS h¡ Am¡a `h HwŸb n«mÏm{_HŸVm úmoÍm HoŸ A{J«_m| HŸm 12.16% ~ZVm h¡¡.

{dO`m ~¢HŸ ñd-amoOJma n«{ímúmÊm g§ñÏmmE§ (drAmB©~rEgB©QrAmB©)

~¢HŸ Zo HŸZm©QHŸ amÁ` HoŸ _§S² m d hmdoar {Obm| _| Am¡a _Ü`n«Xoím amÁ` HoŸ B§Xm¡a_| {dO`m ~¢HŸ ñd-amoOJma n«{ímúmÊm g§ñÏmmAm| (drAmB©~rEgB©QrAmB©) HŸrñÏmmnZm HŸr h¡. o g§ñÏmmE§ {d{ämÝZ ì`mdgm{`HŸ n«{ímúmÊm/HŸm¡ímb CÝZ`Z/

13

OmJêŸHŸVm HŸm ©HŸ«_m| Am¡a CÚ_r {dHŸmg HŸm ©ímmbmE§ Am{X HŸm Am`moOZ HŸaahr h¢. dîm© 2013-14 HoŸ Xm¡amZ, drAmB©~rEgB©QrAmB© Ûmam 125 HŸm ©HŸ«_Am`mo{OV {HŸE JE Am¡a 3416 bmämm{Ïm© m| HŸmo n«{ím{úmV {HŸ`m J`m Omo 73%HŸr {Z w{ŠV Xa ~ZVr h¡. n«ma§äm go HwŸb 1145 HŸm ©HŸ«_ Am`mo{OV {HŸE JEAm¡a 41469 bmämm{Ïm© m| HŸmo n«{ím{úmV {HŸ`m J`m Omo 73% HŸr {Z w{ŠV Xa~ZVr h¡.

dîm© 2012-13 HoŸ {bE J«m_rÊm {dHŸmg _§Ímmb` Ûmam drAmB©~rEgB©QrAmB©,_§S² m d hmdoar HŸmo ""EE'' J«oS {X`m J`m VÏmm drAmB©~rEgB©QrAmB©, B§Xm¡a HŸmo""E'' J«oS {X`m h¡. drAmB©~rEgB©QrAmB©, _§S² m HoŸ g_J« {ZînmXZ HoŸ AmÜmma naXoím HoŸ CÀM {ZînmXZ g§ñÏmmZ HoŸ êŸn _| Cämam Am¡a J«m_rÊm {dHŸmg _§Ímmb` ÛmamCËH¥ŸîQVm n«_mÊmnÍm go ZdmOm J`m.

{dO`m J«m_rÊm {dHŸmg n«{VîRmZ

H¥Ÿ{îm n«Êmm{b`m| HoŸ AmÜmw{ZHŸrHŸaÊm, HŸm¡ímb CÝZ`Z VÏmm {d{ämÝZ CÚ_m| g§~§ÜmrkmZ VÏmm g_J« gm_m{OHŸ - Am{Ïm©HŸ {dHŸmg HoŸ n«{V J«m_rÊm OZVm HoŸ Ü`mZmHŸîm©ÊmhoVw, ~¢HŸ Ûmam dîm© 1990 _| _§Jbya _| {dO`m J«m_rÊm {dHŸmg n«{VîRmZ HŸmn«dV©Z {HŸ`m. J«m_rÊm {dHŸmg n{aîmXm| (drSrgr) HoŸ O{aE, {d{ämÝZ {dîm`m| na,drAmaSrE\Ÿ n«{ímúmÊm/OmJêŸHŸVm HŸm ©HŸ«_m|, Am{X {d{ämÝZ J{V{d{Üm`m| HŸmAm`moOZ HŸaVm h¡. dV©_mZ _|, Eogo 32 drSrgr, drAmaSrE\Ÿ HoŸ AÜmrZ HŸm ©HŸa aho h¢. dîm© HoŸ Xm¡amZ drAmaSrE\Ÿ Zo 157 HŸm ©HŸ«_m| HŸm Am`moOZ {HŸ`m{OZ_| 7996 ì`{ŠV bmämm{ÝdV hwE. J«m_rÊm {ZÜm©Z HoŸ bmämmÏm©, {Z:ímwëHŸñdmñÏ` H¢Ÿn HŸm ämr Am`moOZ {HŸ`m J`m. J«m_rÊm BbmHŸm| HoŸ gaHŸmar ñHyŸb HoŸ{ZÜm©Z _oÜmmdr NmÍmm| HŸmo NmÍmd¥{ËV _§Oya HŸr J`r h¡. n«{VîRmZ Zo AnZr J{V{d{Üm`m|HŸmo AÝ` {Obm| O¡go hmdoar, ÜmmadmS Am¡a _§S² m _| {dñVm{aV {HŸ`m h¡ Ohm§ ~¢HŸHŸmo AJ«Êmr ~¢HŸ HŸr {Oå_oXmar h¡.

g§gXr` g{_{V HŸm Xm¡am

1) {XZm§HŸ 09.07.2013 HŸmo gaHŸmar AmídmgZ g{_{V, amÁ`gämm nag§gXr` g{_{V VÏmm H¥Ÿ{îm FÊm NyQ d FÊm amhV `moOZm, 2008 d ~¢HŸm|Ûmam CXma CÜmma na {dMma {d_ím© {HŸ`m J`m.

2) {XZm§HŸ 28.10.2013 HŸmo A.Om./A.O.Om. HoŸ HŸë`mÊm na g§gXr`g{_{V Zo Xm¡am {HŸ`m VÏmm h_mao ~¢HŸ _| g§JRZmË_HŸ Tm§Mo d A.Om./A.O.Om. HŸmo godm _| {XE OmZodmbo AmaúmÊm VÏmm FÊm gw{dÜmmAm| naMMm© HŸr.

3) CÚmoJ na {dämmJ go g§~§{ÜmV g§gXr` g{_{V Zo 11.01.2014 HŸmo Xm¡am{HŸ`m VÏmm h_mao ~¢HŸ Ûmam E_EgE_B© HŸmo {XE OmZodmbo FÊm g§~§Ümr{d{ämÝZ _wÔm| na MMm© HŸr.

{ímúmm FÊm

~¢HŸ {ímúmm FÊm HŸmo ~hwV _hËd XoVm h¡ Š`m|{HŸ Bgo _mZd ny§Or _| {Zdoím HoŸ êŸn_| Xo»mm J`m h¡. dîm© HoŸ Xm¡amZ, h g§{dämmJ {ZÊmr©V êŸn go Ïmm 31.03.2013

HoŸ 671 HŸamoS go 89 HŸamoS ~THŸa `Ïmm 31.03.2014 HŸmo 760 HŸamoS HoŸñVa VHŸ nhw§Mm.

dîm© HoŸ Xm¡amZ, ~¢HŸ Zo {ímúmm FÊm g§{dämmJ _| gwÜmma bmZo hoVw HŸB© nhb HŸr. HŸB©Zm_r {ímúmm g§ñÏmmZm|/_hm{dÚmb`m|/{díd{dÚmb`m| HoŸ gmÏm {ímúmm FÊm n«XmZHŸaZo HoŸ {bE g_Âmm¡Vm kmnZ {HŸ`m. ~¢HŸ Zo n«doím g_` na HŸB© n«Xím©{Z`m| VÏmm{í{dam| _| ämmJ {b`m Vm{HŸ NmÍm dJ© HoŸ ~rM {ímúmm FÊm gw{dÜmm HŸr CnbãÜmVmna OmJêŸHŸVm bm gH|Ÿ.

{dËVr` g_mdoímZ

h_mao ~¢HŸ HŸmo A{»mb ämmaVr` ñVa na 2000 go A{ÜmHŸ OZg§»`mdmbo 378J«m_ Am~§{QV {HŸE JE h¢. h_Zo 31.03.2012 HŸr bú` Vmar»m go nhbo 89ímm»mmAm| d 289 HŸmamo~ma g§nH©Ÿ A{ämHŸVm© (~rgrE) HoŸ O{aE ~¢{H§ŸJ gw{dÜmmE§CnbãÜm HŸam`r h¡.

dîm© 2013-14 HoŸ Xm¡amZ h_Zo 2000 go HŸ_ OZg§»`m HoŸ 2240 J«m_m| HŸmo32 ímm»mmAm|, 457 HŸmamo~ma g§nH©Ÿ A{ämHŸVm© (~rgrE)/J«må` ñVa CÚ{_`m|(drEbB©) VÏmm 20 EQrE_ HoŸ O{aE n«md{aV {HŸ`m h¡.

~¢HŸ Am~§{QV 2000 go A{ÜmHŸ d HŸ_ OZg§»`m dmbo Jm§dm| HŸmo 789 ~rgrEHoŸ O{aE n«md{aV {HŸ`m.

~¢HŸ Zo ämm.{a.~¢. HŸrŸ _m°Sb moOZm HoŸ AZwêŸn {Obm ñVa na {dËVr` gmúmaVmH|ŸÐ (E\ŸEbgr) HŸmo ñÏmm{nV VÏmm n«~§ÜmZ HŸaZo HoŸ {bE {g§{SHoŸQ ~¢HŸ HoŸ gmÏmkmZ Á`mo{V {bQagr EÊS HŸ«o{SQ HŸmC§go{b§J Q—ñQ (OoOoE\ŸEbgrgrQr) HŸm n«dV©Z{HŸ`m. dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Zo 5 VmëbwHŸ ñVar` E\ŸEbgr »mmob|{Oggo _mM© 2014 VHŸ »mmobo JE E\ŸEbgr HŸr HwŸb g§»`m 11 ~ZVr h¡.

~¢HŸ HoŸ AJ«Êmr {Obm| _| {dËVr` g_mdoímZ g§gmÜmZ H|ŸÐ (E\ŸAmB©Amagr)»mmobo JE h¢.

{dËVr` g_mdoímZ Jm§dm| _| {dËVr` gmúmaVm A{äm`mZm| HoŸ {bE 5 _mo~mBb d¡Zn«XmZ {HŸE JE h¢ VÏmm CZHŸmo _§S² m, ÜmmadmS, hmdoar, CSw{n VÏmm _§Jbya _|a»mm J`m h¡ VÏmm h_mar J«m_rÊm ímm»mmE§ ämr Am~§{QV Jm§dm| _| {dËVr` gmúmaVm{ím{dam| HŸm Am`moOZ HŸaVo h¢. {dËVr` gmúmaVm ßm¡åâboQ, Qrdr ñHŸ«mob VÏmmZwŠHŸS ZmQHŸ HoŸ O{aE n«Mma {HŸ`m OmVm h¡.

h_Zo {XZm§HŸ 24.09.2013 HŸmo _§S²`m {Obo (h_mam AJ«Êmr {Obm) HoŸZmJ_§Jbm VmëbwHŸ _| Am{XMw§MZ{J{a _| “ {dËVr` g_mdoímZ J«m_rÊmg§nH©Ÿ ” HŸm ©HŸ«_ HŸm Am`moOZ {HŸ`m. Sm°.HoŸ.gr.MHŸ«dVr©, Cn-JdZ©a, ämm.{a.~¢.VÏmm lr_Vr C_m ím§HŸa, úmoÍmr` {ZXoímHŸ, ämm.{a.~¢., lr EM.Eg.CnoÝÐ HŸm_V,VËHŸmbrZ AÜ`úm Ed§ n«~§Üm {ZXoímHŸ, {dO`m ~¢HŸ d lr HoŸ.Ama.ímoÊm¡, HŸm ©HŸmar{ZXoímHŸ Zo HŸm ©HŸ«_ _| ämmJ {b`m. Bg HŸm ©HŸ«_ _| {dËVr` g_mdoímZ Jm§dm| HoŸ{bE gyú_ ~r_m d gyú_ AmdVr© O_m `moOZmAm| HŸr ímwêŸAmV HŸr J`r. BgAdga na 10 ~m{bHŸmAm| HŸmo JmoX {b`m J`m VÏmm {hVm{ÜmHŸm{a`m| HŸmo FÊm_§Oyar nÍm n«XmZ {HŸE JE. Bg HŸm ©HŸ«_ _| 2000 go A{ÜmHŸ J«m_rÊm J«mhHŸm| Zo

14

ämmJ {b`m. _§S² m {Obo HoŸ 11 A{V b¿mw ímm»mmAm| HŸmo HŸ_ bmJV HŸrna§namJV ímm»mmAm| _| n{ad{V©V {HŸ`m J`m.

~¢HŸ _| 97.63 HŸamoS ímoîm 10.17 bm»m ~o{gHŸ ~MV ~¢HŸ O_m »mmVo »mmob|VÏmm {dËVr` g_mdoímZ HoŸ AÜmrZ HwŸb 3.86 bm»m ñ_mQ© HŸmS© Omar {HŸE.h_Zo 5353 _mBHŸ«mo AmaSr »mmVo »mmob| VÏmm gyú_ ~r_m HoŸ AÜmrZ 3608{hVm{ÜmHŸm{a`m| HŸmo Zm_m§{HŸV {HŸ`m h¡.

HŸZm©QHŸ _| BboŠQ—m{ZHŸ bmäm A§VaÊm (B©~rQr) HoŸ AÜmrZ nmBboQ {Obm| _| ~¢HŸZo gm_m{OHŸ gwaúmm n|ímZ (EgEgnr) VÏmm _hmË_m Jm§Ümr amîQ—r` J«m_rÊmamoOJma g¥OZ HŸm ©HŸ«_ (E_OrEZAmaB©Ornr) HoŸ 3.16 bm»m bmämm{Ïm© m| HŸmoñ_mQ© HŸmS© Omar {HŸ`m h¡. _§S² m {Obo (HŸZm©QHŸ) _| ~¢HŸ Zo ""EHŸ {Obm EHŸ~¢HŸ'' _m°Sb HoŸ AÜmrZ 1 bm»m bmämm{Ïm© m| HŸmo HwŸb ` 5.20 HŸamoS n«{V_hrZo gm_m{OHŸ gwaúmm n|ímZ {dV{aV HŸaZm ímwêŸ {HŸ`m h¡.

~¢HŸ {hVm{ÜmHŸm{a`m| HŸm »mmVm »mmobHŸa, AmÜmma g§»`m HŸr n«{d{îQ HŸaHoŸ VÏmmCgo EZnrgrAmB© HoŸ gmÏm _¡n HŸaHoŸ ämmaV gaHŸma HoŸ grÜmm bmäm A§VaÊm(Sr~rQr) HŸm ©HŸ«_ _| g{HŸ« êŸn go ämmJ bo ahm h¡.

~mJbHŸmoQ _| H¥ŸîmHŸm| Am¡a H¥Ÿ{îm _OXya HŸmo n«{ímúmÊm {XbmZo hoVw ñÏmm{nV HŸZm©QHŸH¥ŸîmHŸ g§gmÜmZ HoŸÝÐ (HoŸE\ŸAmagr) HŸm h_mam ~¢HŸ ämr EHŸ g§ñÏmmnHŸ Ý`mgr h¡.

2014-15 HŸr HŸm © `moOZm

dîm© 2014-15 HoŸ Xm¡amZ {dËVr` g_mdoímZ HoŸ AÜmrZ 2000 go HŸ_ OZg§»`mHoŸ 293 Jm§dm| HŸmo 52 ~rgrE/drEbB© HoŸ µO{aE n«md{aV HŸa|Jo. Bggo 2000 goA{ÜmHŸ d HŸ_ OZg§»`m HoŸ 2911 Jm§dm| HŸmo ~¢HŸ Ûmam n«md{aV {HŸ`m OmEJm.

dîm© 2014-15 HoŸ Xm¡amZ ~¢HŸ Ûmam HŸZm©QHŸ _| 8 Am¡a VmëbwHŸ ñVa HoŸ E\ŸEbgr»mmobm OmEJm {OgHoŸ gmÏm E\ŸEbgr HŸr HwŸb g§»`m 19 hmoJr.

gyMZm d n«m¡Úmo{JHŸr

HŸmoa ~¢{H§ŸJ g_mÜmmZ d CgHŸr n«J{V

~¢HŸ Zo 100% gr~rEg n«mßV {HŸ`m h¡ {OgHoŸ \ŸbñdêŸn J«mhHŸm| HŸmo HŸht ämr~¢{H§ŸJ, B§QaZoQ ~¢{H§ŸJ Am°ZbmBZ boZXoZ Am{X godmE§ CnbãÜm HŸr OmVr h¡§.100% gr~rEg HoŸ gmÏm ~¢HŸ AnZo J«mhHŸm| HŸmo VËHŸmb ~¢{H§ŸJ godmE§ n«XmZHŸaZo _| gúm_ hmo ahm h¡. 21 ñÏmmZm| na nmg~wHŸ [HŸ`moñHŸ ewé [HŸ`m J`m h¡.ZHŸX O_m {HŸ`moñHŸ 231 OJhm| _| HŸm`m©{ÝdV {HŸ`m J`m h¡. ämmaV gaHŸma HŸrgrÜmm ZHŸX A§VaÊm n{a`moOZm HoŸ gwMmêŸ HŸm`m©Ýd`Z hoVw AmÜmma g_Ïm© ämwJVmZn«Êmmbr HŸm HŸm`m©Ýd`Z {HŸ`m J`m h¡. Ümmo»mmÜm{S`m| HŸmo HŸ_ HŸaZo hoVw gr~rEgn« moŠVmAmo§ Ho {cE g^r OJhmo§ na ~`mo_o{Q—HŸ EŠgog ímwêŸ {HŸ`m J`m h¡.

~¢HŸ Zo EHŸrH¥ŸV _mZd g§gmÜmZ n«~§ÜmZ n«Êmmbr (EMAmaE_Eg), EHŸrH¥ŸV»mOmZm n«~§ÜmZ n«Êmmbr (AmB©QrE_Eg) VÏmm EHŸrH¥ŸV Omo{»m_ n«~§ÜmZ n«Êmmbr(AmB©AmaE_Eg) HŸm HŸm`m©Ýd`Z {HŸ`m h¡ VÏmm Bgo HŸmoa ~¢{H§ŸJ n«Êmmbr HoŸ

gmÏm EHŸrH¥ŸV {HŸ`m h¡. _w§~B© _o§ SsAma goQAn ñWm[nV HŸaZo HoŸ Ûmam AmB©QsE_Egn[a`moOZm HoŸ g^s bú` hm[gb [HŸE Om MwHoŸ h¡§. EMAmaE_Eg _o§ s bJämJg^s CÔoí` nyao [HŸE Om MwHoŸ h¡§ VWm Bg n[a`moOZm HoŸ [bE SsAma _w§~B© _|ñÏmm{nV {HŸ`m OmEJm. [dÎms` df© HoŸ A§V VHŸ AmB©AmaE_Eg HoŸ nyU©V…HŸm`m©pÝdV [HŸE OmZo HŸs g§ mdZm h¡.

EQsE_

df© 2013-14 HoŸ Xm¡amZ 654 Am¡a EQsE_ n[aMmbZ _o§ bmE JE [Oggo Wm_mM© 2014 HŸmo EQsE_ HŸs HwŸb g§»`m 1528 hmo JB©. ~¡§HŸ HoŸ JŒmhHŸ Xoe ^a_o§ Z¡eZb [\ŸZmpÝe`b pñdM (EZE\ŸEg) HoŸ AYsZ HŸZoŠQ [HŸE JE 150000EQsE_ HŸs godmAmo§ HŸm ^s BñVo_mb HŸa gHŸVo h¡§. h_ CZ HwŸNoHŸ ~¢HŸm| _| go h¢{OÝhm|Zo {dËV _§Ímmb`, ämmaV gaHŸma HoŸ {ZXoímmZwgma ímm»mmAm| HŸr g§»`m HoŸAZwêŸn EQrE_ g§ñÏmm{nV {HŸE h¡§.

Am§V[aHŸ [Z §ÌU

~¡§HŸ Zo AmB©Qs d AmB©Eg gwaúmm, BÝQaZoQ ~¡§qHŸJ Zs[V, AmB©Qs IasX Zs[V,B§QaZoQ Cn`moJ Zs[V, B©-_oBb Zs[V, HŸmamo~ma [Za§VaVm Zs[V, [SgmñQa [aHŸdasZs[V, Am¡Qgmoqg©J Zs[V O¡gs Zs[V`mo§ na XñVmdoµO V¡ ma HŸa [bE h¡§ [Og_o§ HŸB©àHŸma HoŸ úmoÌs` ñVa d àemg[ZHŸ ñVa HoŸ HŸm © em[_b h¡. Bg àHŸma HoŸàË oHŸ HŸm`moª go OwSo Omo[I_mo§ HŸmo Xya HŸaZo hoVw n`m©ßV [Z §ÌU ^s V¡ ma [HŸEJE h¡§. dîm© 2013-14 HoŸ Xm¡amZ AmB©Qr Zr{V d AmB©Eg Zr{V g§ímmo{ÜmV HŸrJ`r. AmB©Eg gwaúmm HoŸ EHŸ ^mJ HoŸ ên _o§ KQZm à~§YZ, oÚVm d noZQ—oeZQoñQ HoŸ [bE ^s Zs[V`m± V¡ ma HŸs JB© h¡.

ZoQd{HªŸJ

~¢HŸ Zo AnZr gämr ímm»mmE§ , {dñVma HŸmC§Qa VÏmm HŸm`m©b`m| HŸmo HŸm°nmo©aoQ d¡Z(Sãë yEEZ) HoŸ AÜmrZ OmoSm h¡ VÏmm ímm»mmAm| HŸr 100% ZoQd{HªŸJ hm{gbHŸr h¡. ~¢HŸ Zo HŸZo{ŠQ{dQr ñÏmm{nV HŸaZo hoVw AÚVZ VHŸZrHŸ O¡go E_nrEbEg,ao{S`mo \Ÿ«rŠd|gr, grSrE_E, Am{X HŸm n« moJ {HŸ`m h¡.

AmaQrOrEg Ed§ EZB©E\ŸQr godmE§

H|ŸÐrH¥ŸV ämwJVmZ n«Êmmbr O¡go {HŸ VËHŸmb gHŸb ämwJVmZ n«Êmmbr (AmaQrOrEg)VÏmm amîQ—r` BboŠQ—m°{ZHŸ {Z{Üm A§VaÊm (EZB©E\ŸQr) HoŸ {bE g§n«{V {g\©Ÿ grÜmrgXñ`Vm CnbãÜm h¡. ämm.{a.~¢. Zo EZB©E\ŸQr VÏmm AmaQrOrEg n«Êmm{b`m| _|ämmJ boZo hoVw Cn-gXñ`Vm _mJ© HŸmo gämr bmBg|grH¥ŸV ~¢HŸm| HŸmo {dñVma HŸaZoHŸm {ZÊm© {b`m h¡. Cn-gXñ` H|ŸÐrH¥ŸV ämwJVmZ n«Êmmbr _| AnZo n«m`moOHŸ~¢HŸ HoŸ O{aE ämmJ b|Jo, Omo H|ŸÐrH¥ŸV ämwJVmZ n«Êmmbr HoŸ grÜmo gXñ` h¢. ~¢HŸ Zo{ímåîmm ghHŸmam ~¢HŸ {Z`{_Vm, _Ôya VÏmm bmoHŸnmdZr _{hbm ghHŸmar ~¢HŸ,_§S² m HoŸ gmÏm h_mar AmaQrOrEg/EZB©E\ŸQr godmAm| HŸmo Cn-gXñ`m| HoŸ êŸn_| n« moJ HŸaZo HoŸ {bE ì`dñÏmm HŸr h¡.

15

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

{_ñgS HŸm°b godmE§ (\Ÿ«r ~ÁO)

~¢H, AnZo J«mhHŸm| HoŸ {bE {_ñgS HŸm°b godmE§ CnbãÜm HŸam ahm h¡ {OggoJ«mhHŸ, »mmVm ímoîm d b¿mw {ddaÊm n«mßV HŸa gHŸVo h¢. ímyÝ` n«ämma go {_ññSHŸm°b XoZo HŸr gwJ_Vm J«mhHŸm| HoŸ {bE ~hwV hr bmämXm`HŸ h¡.

dr-\Ÿr hmB©d

h_mar BZ-hmCg gm°âQdo a {dHŸmg Qr_ Zo ím¡{úmHŸ g§ñÏmmAm| go ímwëHŸ g§J«hÊm,AnmQ©_|Q Ûmam _m{gHŸ a»m-a»mmd ímwëHŸ g§J«hÊm VÏmm Šb~m| Ûmam ímwëHŸ g§J«hÊmHoŸ {bE EHŸ {dímoîm E{ßbHoŸímZ {dHŸ{gV {HŸ`m h¡. Bg_| HwŸN {d{ímîQVmE§ h¢ O¡goSo{~Q HŸmS©, HŸ«o{SQ HŸmS© VÏmm B§QaZoQ ~¢{H§ŸJ Am{X AÝ` ämwJVmZ M¡Zb HŸmoEHŸrH¥ŸV {HŸ`m Om gHŸVm h¡.

dr-B©nmg~wHŸ +

h_mar BZ-hmCg gm°âQdo a {dHŸmg Qr_ Zo _mo~mBb E{ßbHoŸímZ {dHŸ{gV HŸrh¡ {Oggo »mmVm {ddaÊm/boZXoZ {ddaÊm n«mßV {HŸ`m Om gHŸVm h¡. Bg E{ßbHoŸímZ_| A{V{aŠV J«mhHŸmoÝ_w»m {d{ímîQVmE§ h¢ O¡go n«Ë oHŸ boZXoZ HoŸ {bE {Qßn{Êm`m§OmoSZo HŸr gw{dÜmm, {d{ämÝZ d¡ {ŠVHŸ »mmVm ímrîm© a»mZo HŸr gw{dÜmm VÏmm EHŸ hr{ŠbHŸ go BZ »mmVm| _| nmg~wHŸ boZXoZ OmoSZo HŸr gw{dÜmm, Am{X. AÚVZn«ñVw{V`m§ VÏmm gyMZmE§ O¡go ~¢HŸ HŸr ã`mO Xa go wŠV n¥îR BgHoŸ O{aE ~¢HŸ HŸrdo~gmBQ _| OmZo HŸr gw{dÜmm VÏmm {HŸgr XmoñV HŸmo n{aM` HŸamZo HŸr gw{dÜmm BgE{ßbHoŸímZ _| CnbãÜm h¡. Ïmm 31.03.2014 HŸmo h gw{dÜmm n«mßV HŸaZo hoVw33902 J«mhHŸmo§ Zo n§OrH¥ŸV {HŸ`m h¡.

MoHŸ Q—§HoŸímZ n«Êmmbr

ämmaVr` {aOd© ~¢HŸ HoŸ {ZXoímmZwgma h_mao ~¢HŸ Zo dîm© 2013-14 HoŸ Xm¡amZ X{úmÊmd n{íM_r {J«S HŸr gämr EZAmB©grAma H|ŸÐm| _| VÏmm CËVar {J«S HoŸ {Xëbr,M§SrJT, n§Om~ d amOñÏmmZ amÁ`m| HoŸ E_AmB©grAma H|ŸÐm| _| MoHŸQ—§HoŸímZ n«Êmmbr HŸm HŸm`m©Ýd`Z {HŸ`m h¡.

gwaúmm n{aMmbZ H|ŸÐ

gwaúmm gyMZm d ¿mQZm n«~§ÜmZ g_mÜmmZ (EgAmB©B©E_) Ed§ gh-g§~§Üm Qybg{hV gwaúmm n{aMmbZ H|ŸÐ ñÏmm{nV {HŸ`m J`m Omo gämr ¿mQZmAm| HoŸ {díboîmÊm_| _XXJma hmoJm VÏmm AmHŸ«_Êm n¡QZ© `{X HŸmoB© hmo Vmo CgHŸm nVm bJmEJm.ämmaV gaHŸma HŸr Z`r nhb HoŸ AZwgma h_mao ~¢HŸ HŸmo gmd©O{ZHŸ úmoÍm HoŸ ~¢HŸm| HoŸ{bE gm_mÝ` AmaE\Ÿnr HoŸ VhV gwaúmm n{aMmbZ H|ŸÐ HoŸ HŸm`m©Ýd`Z hoVwAJ«Êmr ~¢HŸ HoŸ êŸn _| nhMmZm J`m h¡.

Am§V{aHŸ {ZarúmÊm

~¢HŸ Zo gwn{aämm{îmV Am§V[aHŸ bo»mm narúmm Zr{V bmJy HŸr h¡. _§Sb HŸr bo»mmnarúmm g{_{V {Z`{_V Vm¡a na bo»mm narúmm HŸm © HoŸ {ZînmXZ HŸr Xo»mao»m HŸaVrh¡ {OgHoŸ {bE ~¢HŸ HŸr bo»mm narúmm n«Êmmbr d Am§V{aHŸ {Z §ÍmÊm _| gwÜmma bmZoHoŸ {bE _mJ©Xím©Z d {ZXo©ím XoVr h¡.

[dÎms` df© HoŸ Xm¡amZ ~¡§HŸ Zo n«moJ«m_ HŸr J`r 1115 ímm»mmAm| _| go 937 emImAmo§H$m Omo{»m_ AmÜmm{aV Am§V{aHŸ bo»mm narúmU {H$`m h¡. Omo[I_ aoqQJ HoŸ _yë`m§HŸZna BZ_o§ go 53.95% emImAmo§ HŸmo ‘HŸ_ Omo[I_’ XOm© [X`m J`m.

BgHoŸ A{V{aŠV dîm© HoŸ Xm¡amZ 12 godm ímm»mmAm|, 15 AmaEgsnsgs, 6 úmoÍmr`HŸm`m©b` VÏmm n«ÜmmZ HŸm`m©b` HoŸ 10 {dämmJm| HŸm {ZarúmÊm {HŸ`m J`m. BgHoŸAbmdm 1529 emImAmo§ HoŸ AmB© Eg boIm nasúmm HŸm HŸm ©HŒŸ_ ~Zm`m J`mAm¡a 31.03.2014 go nhbo 346 ímm»mmAm| HŸmo NmoSHŸa g^s emImAmo§ _o§Bgo nyam [HŸ`m J`m.

~¡§HŸ Zo 419 emIm/HŸm`m©b`mo§ _o§ AnZo HŸmamo~ma HoŸ 83.62% HŸmo g_dVs©boIm nasúmm HoŸ AYsZ n«md{aV [HŸ`m h¡ O~[HŸ ^m.[a.~¡§HŸ _mZX§S HoŸ AZwgmaÝ yZV_ 50% HŸmamo~ma HŸmo n«md{aV [HŸ`m OmZm h¡. ~¡§HŸ Omo[I_ AmYm[aVAm§V[aHŸ boIm nasúmm àUmbs g[hV (Ama~sAmB©E) AnZs boIm nasúmmn«Êmmbr _o§ gyMZm àm¡Úmo[JHŸs HŸm à`moJ HŸa ahm h¡ [Oggo [d[^ÝÝm àHŸma HŸs_yë`d[Y©V [anmoQoª V¡ ma HŸs OmVs h¡§.

AnZo J«mhHŸ HŸmo Om{ZE (HoŸdmB©gr), ÜmZ ímmoÜmZ {ZdmaHŸ (EE_Eb)VÏmm AmV§HŸdmX H$moŸ {dËVr`Z H$r amoH$Wm_ (grE\ŸQr)

~¡§H$ H$r "AnZo J«mhHŸ HŸmo Om{ZE" , " ÜmZ ímmoÜmZ {ZdmaH"Ÿ VWm "AmV§HŸdmXH$moŸ {dËVr`Z H$r amoH$Wm_" na Zr{V h¡ Am¡a n«.H$m.{ñWV Ho$dmB©gr H$j VWmjoÌr` H$m`m©b` _o§ EH$ nXZm{_V ZmoSb A{YH$mar Ûmam BgH$r XoIaoI H$rOmVr h¡. Zr{V _mJ©{ZXo©e nhbr ~ma 2005 _o§ Omar {H$E JE Wo VWm BZH$mg_`-g_` na AÚVZ {H$`m OmVm h¡.

HoŸdmB©gr _mZX§Smo§, EE_Eb _mJ©{ZXo©emo§ VÏmm grE\ŸQr n«{HŸ« m Ho$ H$m`m©Ýd`Z HoŸ{bE úmoÍmr` HŸm ©HŸVm©Am| HŸmo Amdí`HŸ AZwXoím {XE JE h¢. ämm.{a.~¢., ämmaVgaHŸma VÏmm ämm.~¢.g§. go O~ HŸämr {ZXoím n«mßV {HŸE OmVo h¢ VËg§~§Ümr {Xímm{ZXo©ímúmoÍmr` HŸm ©HŸVm©Am| HŸmo ämoOo OmVo h¢. CŠV Zr{V`m| HoŸ HŸm`m©Ýd`Z hoVw úmoÍmHŸm ©HŸVm©Am| HŸmo Amdí`HŸ VHŸZrHŸr gh`moJ n«XmZ {HŸ`m OmVm h¡.

`h gw{Z{íMV {HŸ`m OmVm h¡ {HŸ ímm»mmE§ HoŸdmB©gr _mZX§S HoŸ AZwXoím d AÝ`_mJ©{ZXo©ímm| HŸmo gÀMr ämmdZm go HŸm`m©{ÝdV HŸa aho h¢. Ohm§ ämr HoŸdmB©gr AZwnmbZHŸr HŸ_r h¡, dhm§ ímm»mmE§ ZE »mmVo Zht »mmob aho h¢. {HŸgr ämr »mmVo _| MoHŸ~wHŸOmar HŸaZo go nhbo HoŸdmB©gr AZwnmbZ HoŸ ñVa HŸr Om§M HŸaZo HoŸ {bE {gñQ_ghm`Vm CnbãÜm HŸam`r OmVr h¡.

ímm»mmAm| HŸmo »mmVm| _| A{ÜmHŸ _yë` HoŸ boZXoZm| na {ZJamZr a»mZo HŸm AZwXoím{X`m J`m h¡ VÏmm `h gw{Z{íMV {HŸ`m OmZm h¡ {HŸ boZXoZ ¿mmoîmÊmm {HŸE JEHŸmamo~ma HoŸ AZwêŸn hmo. CŠV boZXoZm| na gwÑT EE_bm°HŸ gm°âQdo a HoŸ O{aE

16

n«ÜmmZ HŸm`m©b` Ûmam {ZJamZr a»mr OmVr h¡, Omo ÜmZ ímmoÜmZ {ZdmaHŸ _mJ©{ZXo©ímm|na {XE JE _mZX§Sm| na {ZJamZr a»mHŸa AbQ© XoVm h¡. boZXoZm| na {ZJamZra»mr OmVr h¡ VÏmm A{ÜmHŸ _yë` HoŸ ZHŸX boZXoZm| HŸmo _m{gHŸ grQrAma _|E\ŸAmB© y-AmB©EZSr HŸmo {anmoQ© HŸr OmVr h¡. BgHoŸ Abmdm, HŸmoB© boZXoZg§XohOZHŸ h¡, Vmo am{ím HoŸ {bhmO {HŸE {~Zm EgQrAma Ûmam E\ŸAmB© y-AmB©EZSrHŸmo {anmoQ© HŸr OmVr h¡. J¡a-bmämmO©Z g§ñÏmmAm| HoŸ _m{gHŸ EZQrAma HoŸ O{aE»mmVm| _| nmE JE A{ÜmHŸ _yë` boZXoZm| HŸr {anmoQ© HŸr OmVr h¡. ímm»mmAm| `m_wÐm no{QHŸmAm| _| `{X Ombr HŸa|gr nmE JE Vmo _m{gHŸ grgrAma HoŸ O{aEE\ŸAmB© y-AmB©EZSr HŸmo {anmoQ© HŸr OmVr h¡.

yEZ Ûmam CnbãY H$am`r J`r AmV§H$dmXr`mo§ H$r gyMr go J«mhH$mo§ Ho$ Zm_ H$m{_bmZ H$aZo Ho$ {bE EH$ {gñQ_ ghm`Vm CnbãY H$am`r J`r h¡. h ímm»mmAm|HŸmo Am§VHŸdm{X`m| VÏmm g§~Õ gËd HoŸ »mmVm| HŸmo Z »mmobZo _| ghm`Vm HŸaVm h¡.

HoŸdmB©gr _mZX§Smo§ VWm EE_Eb _mJ©{ZXo©emo§ Ho$ H$m`m©Ýd`Z H$r Am§V{aH$ {ZarjH$mo§VWm g_dVr© boImnarjH$mo§, gV©H$Vm {ZarjH$mo§ VWm H$m ©nmbH$mo§ Ûmam emIm{ZarjU Ho$ Xm¡amZ Om±M H$r OmVr h¡. n«Ë oH$ joÌr` H$m`m©b` _o§ emImAmo§ _o§BgHo$ H$m`m©Ýd`Z H$r XoIaoI Ho$ {bE EH$ ZmoSb A{YH$mar hmoVm h¡ VWm dh_m{gH$ AmYma na HoŸdmB©gr _mZX§Smo§ Ho$ H$m`m©Ýd`Z H$r nw{ï go g§~§{YV n«_mUnÌn«ñVwV H$aVm h¡. Cƒ n«~§YZ H$mo Amd{YH$ AmYma na J{V{d{Y`mo§ go AdJVH$am`m OmVm h¡.

Am°\ŸgmBQ {ZJamZr HŸúm

~¢HŸ HŸr _m°Sb bo»mmnarúmm Zr{V {XZm§HŸ 28.06.2012 nÍm g§.E\Ÿ.g§.7/112/2011.~rAmoE. Ûmam gy{MV ämmaV gaHŸma HoŸ {Xímm{ZXo©ímm| HoŸ AZwnmbZ_| ~¢HŸ _| Am°\ŸgmBQ {ZJamZr HŸúm J{RV {HŸ`m J`m. h HŸúm bJmVma/X¡{ZHŸVm¡a na ímm»mmAm|/HŸm`m©b`m| HoŸ AndmXñdêŸn boZXoZm| na {ZJamZr a»mVm h¡VÏmm X¡{ZHŸ Vm¡a na n«~§ÜmZ gyMZm n«Êmmbr HŸr _hËdnyÊm© _Xm| HŸr g_rúmm HŸaVrh¡ Vm{HŸ ímmoÜmHŸ HŸm © HoŸ {bE {Z §ÍmÊm HŸm`m©b` VÏmm ímm»mm/HŸm`m©b` HŸmogwJ«mø ~Zm`m Om gHoŸ.

gVH©ŸVm

n«ÜmmZ HŸm`m©b` _o§ ~¢HŸ H$o$gVH©ŸVm {dämmJ HŸr AÜ`úmVm _hm n«~§ÜmHŸ ñVa HoŸ_w»` gVH©ŸVm A{ÜmHŸmar HŸa aho h¢ Omo ämmaVr` ñQoQ ~¢HŸ go n«{V{Z w{ŠV na h¡.gVH©ŸVm {dämmJ, ~¢HŸ HŸm gmam gVH©ŸVm HŸm © H|ŸÐr` gVH©ŸVm Am`moJ Ûmam{ZÜmm©{aV _mJ©{ZXo©ímm| HoŸ AZwêŸn HŸaVm h¡. BgHo$ A{V{aº$, $gVH©ŸVm {dämmJ{ZdmaHŸ gVH©ŸVm Cnm` HoŸ êŸn _| emImAmo§ H$m AmH${ñ_H$ {ZarjU ^r H$aVmh¡. o úmoÍmr` HŸm`m©b`m| _| {ñÏmV úmoÍmr` gVH©ŸVm A{ÜmHŸm{a`m| Ûmam {H$E OmVoh¡§. EHŸ hr n«HŸma HŸr Ümmo»mmÜm{S`m| HŸmo ~ma-~ma hmoZo go amoHŸZo Am¡a {ZdmaHŸgVH©ŸVm Cnm`m| HŸmo gímŠV ~ZmZo HoŸ {bE _m¡OyXm n«Êmmbr _| HŸ{_`m| HŸmo hQmZoHoŸ gämr n« mg {HŸE OmVo h¢.

AZwnmbZ

_§Sb AZw_mo{XV AZwnmbZ Zr{V ämmaVr` {aµOd© ~¢HŸ HoŸ _m¡OyXm {Xímm{ZXo©ímmZwgmaAno{úmV h¡ VÏmm VXZwgma ~¢HŸ Zo AZwnmbZ Zr{V AnZm`r h¡. AZwnmbZ{dämmJ, n«.HŸm. gw{Z{íMV HŸaVm h¡ {HŸ n«ÜmmZ HŸm`m©b` _| ämmaV gaHŸma,

ämm.{a.~¢., ämm.~¢.g§. VÏmm Xygam| go n«mßV {d{ämÝZ g§n«oîmÊm HŸm AZwnmbZ {HŸ`mOmVm h¡ {OgHoŸ {bE g§~§{ÜmV n{aMmbZmË_HŸ {dämmJm| HŸmo Ano{úmV HŸma©dmB© HoŸ{bE Eogo gämr g§n«oîmÊm ämoOo OmVo h¢. AZwnmbZ {dämmJ HŸr AÜ`úmVm _w»`AZwnmbZ A{ÜmHŸmar HŸa aho h¢ Omo _hm n«~§ÜmHŸ ñVa HoŸ h¡.

gyMZm HŸm A{ÜmHŸma A{Üm{Z`_ - 2005

ämmaV gaHŸma Zo gyMZm HŸm A{ÜmHŸma A{Üm{Z`_, 2005 HŸmo A{Üm{Z`{_V{HŸ`m Omo 12 AŠVy~a 2005 HŸmo bmJy hwAm. `h A{Üm{Z`_ n«Ë oHŸ ZmJ{aHŸHŸmo gmd©O{ZHŸ n«m{ÜmHŸm{a`m| HoŸ {Z §ÍmÊmmÜmrZ gyMZm HŸmo nmZo/VHŸ nhw§MZo HŸm hHŸn«XmZ HŸaVm h¡. n«ímmgZ _| VÏmm Bggo g§~§{ÜmV m n«mg§{JHŸ _m_bo _| »mwbmnZ,nmaX{ím©Vm VÏmm Odm~Xohr bmZm hr BgHŸm CÔoí` h¡.

~¢HŸ Zo gyMZm HŸm A{ÜmHŸma A{Üm{Z`_, 2005 HoŸ VhV gämr ímm»mm n«~§ÜmHŸm|HŸmo ghm`HŸ OZ gyMZm A{ÜmHŸmar, gämr 26 úmoÍmr` HŸm`m©b`m| HŸr Xygar n§{ŠVHoŸ HŸm ©nmbHŸm| HŸmo gmd©O{ZHŸ gyMZm A{ÜmHŸmar VÏmm úmoÍmr` n«~§ÜmHŸm| HŸmo Anrbn«m{ÜmHŸm{a`m| HoŸ êŸn _| nXZm{_V {HŸ`m h¡. n«.HŸm. _| Cn _hm n«~§ÜmHŸ HŸmo OZŸgyMZm A{ÜmHŸmar VÏmm _hm n«~§ÜmHŸ HŸmo Anrb n«m{ÜmHŸmar HoŸ êŸn _| nXZm{_V {HŸ`mh¡. g_J« ~¢HŸ _|, gyMZm HoŸ A{ÜmHŸma A{Üm{Z`_ 2005 HoŸ VhV 27 HŸm`m©b`m|HŸmo OZ gyMZm A{ÜmHŸmar VÏmm Anrb A{ÜmHŸmar CnbãÜm HŸamE JE h¢.

A{Üm{Z`_ HoŸ A§VJ©V _m§Jr J`r gyMZm {ZÜmm©{aV g_` gr_m HoŸ A§Xa n«ñVwVHŸr OmVr h¡. dîm© 2013-14 HoŸ Xm¡amZ, Bg gyMZm HoŸ A{ÜmHŸma A{Üm{Z`_ HoŸA§VJ©V ~¢HŸ HŸmo 873 AmdoXZ d 109 Anrb n«mßV d {ZnQmE JE.

Am§V{aHŸ bo»mm HŸm ©

g^r A§Va ~¢HŸ boZXoZm| HoŸ g§~§Üm _| 31.03.2014 VHŸ HŸm {_bmZ HŸa {X`mJ`m h¡. A§Va ímm»mm ~HŸm`m n«{d{îQ`m| HoŸ {_bmZ HoŸ {bE ämmaVr` {aµOd© ~¢HŸÛmam {ZÜmm©{aV N: _hrZm| HŸr Ý yZV_ Ad{Üm HŸr VwbZm _| HŸmoB© ämr ~HŸm`mn«{d{îQ b§{~V Zht h¡¡.

gwaúmm ì`dñÏmm

~¢HŸ HŸr g§JRZmË_HŸ g§aMZm HoŸ A§VJ©V A{ÜmHŸmam| d {Oå_oXm{a`m| HŸm ñnîQn«Ë`m`moOZ wŠV, gwg§ñÏmm{nV gwaúmm ì`dñÏmm ~¢HŸ _| _m¡OyX h¡.

{d^mJ Zo g^r _wÐmHŸmoîmm| VWm ~¡§H$ emImAmo§ H$r gwajm ì`dñWmAmo§ H$r g_rjmH$r VWm CÝho§ _O~yV ~Zm`m h¡. úmoÍmr` gwajm A{YH$mar {dÚ_mZ gwajmì`dñWmAmo§ H$m _yë`m§H$Z H$aZo VWm BZ ì`dñWmAmo§ H$mo _O~yVr n«XmZ H$aZo Ho$Cnm`mo§ na gwPmd XoZo Ho$ {bE {Z`{_V AmYma na emIm {ZarjU H$aVo h¡§.úmoÍmr` gwajm A{YH$mar H$mZyZ ì`dñWm bmJy H$aZo dmbr EoOÝgr`mo§ Ho$ gmWK{Zð g§nH©$ ~ZmE aIVo h¡§. J{Vímrb gwajm n{aX¥í` _| Z`r MwZm¡{V`m| HŸmgm_Zm HŸaZo hoVw ~¢HŸ _o§ gwajm ì`dñWmAmo§ H$m AZdaV Vm¡a na gwÑT {HŸ`mOmVm h¡.

17

~¢HŸ gwajm H$mo _O~yVr n«XmZ H$r Om ahr h¡ Vm{H$ dh A{YH$ n« mdr, AmYw[ZHŸVWm ~mYm-a{hV gwajm n«Umbr hmo gHo$. ämm.{a.~¢. _mJ©{ZXo©ímmZwgma ~¡§H$ Ho$g^r _wÐmHŸmoîmm| _o§ EŠgog H$ÝQ—mob {gñQ_ _O~yV ~Zm`r J`r h¡. _wÐmHŸmoîmmo§ Ho$ñQ—m±J êŸ_ _o§ EŠgog H$m {Z §ÌU H aZo Ho$ {bE C{MV n«Umbr VWm _wÐmHŸmoîm Ho$dm¡ëQ êŸ_ _o§ n«{d{ï/ go ~mha AmZo H$r C{MV {aH$mS© aIr Om ahr h¡. EŠgog{Z §ÍmÊm Cnm`m| HŸmo gímŠV ~ZmZo hoVw ~¢HŸ HŸr gämr _wÐm HŸmoîmm| _| ~`mo_o{Q—HŸEŠgog {Z §ÍmÊm n«Êmmbr g§ñÏmm{nV HŸr J`r h¡.

ämm.{a.~¢./ämm.~¢.g§. HoŸ {Xímm{ZXo©ímmZwgma bJ^J g^r ímm»mmAm| _| gämr OêŸarVÏmm A{Zdm © gwaúmm ì`dñÏmm HŸr J`r h¡. g^r ímm»mmAm| VWm _wÐmHŸmoîmmo§ _|{gŠ w{a{Q Abm_© {gñQ_ bJm`m J`m h¡. ämmaVr` {aµOd© ~¢HŸ Ûmam {ZÜmm©{aVmZwgma1400 ímm»mmAm| _o§ ñQ—m±J êŸ_ CnbãÜm H$amE JE h¡§.

~¢HŸ HoŸ HwŸb 27 _wÐmHŸmoîm h¢. 26 _wÐmHŸmoîmm| HoŸ {bE nw{bg Jm°S© CnbãÜm {HŸEJE h¢. ämwdZoída _wÐmHŸmoîm HoŸ 24 ¿m§Qo nhar HoŸ {bE ~¢HŸ Zo SrOrAma Ûmamn«m`mo{OV {ZOr gwaúmm EO|gr HŸmo AmCQgmog© {HŸ`m h¡. ämwdZoída _wÐmHŸmoîm _|gímñÌ nw{bg JmS© HoŸ {Z`moOZ hoVw n« mg Omar h¡.

_wÐmHŸmoîm/ímm»mmAm| _| {Z`mo{OV gímñÌ JmSmoª HŸmo, dm{îm©HŸ AmÜmma na \ŸmB{a§JAä`mg g{hV n«{ímúmÊm {X`m OmVm h¡. úmoÍmr` HŸm`m©b` Ed§ n«ÜmmZ HŸm`m©b` _|J{RV gwaúmm g{_{V gwaúmm nhbwAm| HŸr g_rúmm HŸaZo HoŸ {bE Amd{ÜmHŸ êŸn go~¡RHŸ Am`mo{OV HŸaVr h¡.

832 ímm»mmAm| _| grgrQrdr g{d©b¢g {gñQ_ bJm`m J`m h¡. MaU~Õ VarHo$go grgrQrdr {gñQ_ bJm`m Om ahm h¡, gämr ímm»mmAm| _| 31.03.2015 VHŸgrgrQrdr gdo©b¢g {gñQ_ bJm`m OmEJm.

_mZd g§gmÜmZ {dHŸmg n«~§ÜmZ

l_ím{ŠV VÏmm ñQm\Ÿ CËnmXHŸVm

~¢HŸ _| HŸm ©aV HŸ_©Mm{a`m| HŸr HwŸb g§»`m _mM© 2013 HoŸ 12601 HŸr VwbZm_| _mM©, 2014 _| 12822 ahr. HwŸb ñQm\Ÿ _| go 5947 A{ÜmHŸmar, 4357

{b{nHŸr` HŸ_©Mmar, 2045 AÜmrZñÏm HŸ_©Mmar VWm AÜmrZñÏm g§dJ© _o§ 473

A§eH$mbrZ HŸ_©Mmar h¢. _mM© 2014 HoŸ A§V VHŸ _{hbm HŸ_©Mm{a`m| HŸr g§»`m3125 ahr {Og_| 1291 A{ÜmHŸmar Am¡a 1834 EdmS© ñQm\Ÿ h¢ Omo {HŸ ~¢HŸ HoŸ HwŸbHŸ_©Mm{a`m| HŸm 24.37% h¡. _mM© 2014 HoŸ A§V VHŸ ímmar{aHŸ êŸn go Aúm_ dJ©_| 248 HŸ_©Mmar Am¡a ämyVnyd© g¡{ZHŸ dJ© _| 658 HŸ_©Mmar ahoo.

ämVr©

df© Ho$ Xm¡amZ ~¡§H$ Zo {d{ämÝZ lo{Êm`m|/doVZ_mZm| _| 604 A{ÜmHŸm{a`m| VÏmm 444

n{adrjmYrZ {b{nHŸm| HŸr ämVr© H$r. ~¢HŸ Zo 45 gímñÌ JmSmoª H$r ^r ^Vr© H$r.

nXmoÝZ{V`m §

df© 2013-2014 HoŸ Xm¡amZ H$r J`r nXmoÝZ{V`m§ {ZåZmZwgma h¡§:

HŸ«_ g§. go nXmoÝZ{V VHŸ nXmoÝZ{V HwŸb nXmoÝZV

1 C.HŸm.lo.do-VI C.HŸm.lo.do- VII 05

2 d.n«.lo.do-V C.HŸm.lo.do-VI 11

3 d.n«.lo.do-IV d.n«.lo.do-V 30

4 _.n«.lo.do-III d.n«.lo.do-IV 60

5 _.n«.lo.do-II _.n«.lo.do-III 241

6 HŸ.n«.lo.do-I _.n«.lo.do-II 215

7 {b{nHŸr` HŸ.n«.lo.do-I 173

8 g~-ñQm\Ÿ [b[nHŸ n«{HŸ« mÜmrZ

''~¢HŸ Zo g_rúmm dîm© 2012-13 HoŸ {bE EnrEAma A§HŸ/ao{Q§J HoŸ n«HŸQrHŸaÊmHŸr Zr{V d Anrb n«{HŸ« m HŸr ímwêŸAmV HŸr.''

n«{ímúmÊm

~¢HŸ HŸr n«{ímúmÊm n«Êmmbr HŸmo A{V{aŠV Ed§ gúm_ l_ím{ŠV HoŸ O{aE gwÑT{HŸ`m J`m h¡. H$_©Mm{a`mo§ Ho$ {bE dV©_mZ VWm ^{dî` Ho$ g_ZwXoemo§ H$mog§^mbZo VWm CƒV_ n«{VñnYr© VH$ZrH$r AmYm{aV J«mhH$moÝ_wIr ~¡§{H§$JdmVmdaU _o§ AnZo H$V©ì`mo§ VWm Xm{`Ëdmo§ H$mo RrH$ go {Z^mZo Ho$ {bE Amdí`H$n«{ímúmÊm H$mo Ü`mZ _o§ aIVo hwE nmR² HŸ«_ H$mo nwZ: V¡ ma {H$`m J`m h¡. ~¡§H$AnZo H$_©Mm{a`mo§ H$mo Hw$N n«{V{ðV ~mø n«{ejU g§ñWmZmo§ Ho$ _mÜ`_ go Hw$N{deofrH¥$V joÌ O¡go FÊm, \Ÿm°aoŠg, IOmZm n«~§YZ, Omo{I_ n«~§YZ, _mZdg§gmYZ, {dnUZ Am{X _§o ^r n«{ejU {Xbdm ahm h¡. {nNbo {dËVr` dîm© HoŸXm¡amZ ~¢HŸ Zo 8135 HŸ_©Mm{a`m| HŸmo n«{ímúmÊm {Xbm`m Omo {HŸ HwŸb HŸ_©Mm{a`m|HŸm 63.44% ~ZVm h¡. {Og_| go 7383 HŸ_©Mm{a`m| HŸmo ~¢HŸ HŸr AnZrg§ñÏmmAmo§ _| n«{ímúmÊm {Xbm`m J`m, 752 HŸmo g_wÐnmar` g§ñÏmmAm| g{hVn«{V{îRV ~mø n«{ímúmÊm g§ñÏmmAm| _| n«{ímúmÊm {Xbm`m J`m.

AZwgy{MV Om{V/AZwgy{MV OZOm{V/AÝ` {nNSo dJ© HŸ_©Mmar

_mM© 2014 HoŸ A§V VHŸ HwŸb 12822 ñQm\Ÿ _| go 2468 AZwgy{MV Om{VdJ© HoŸ Ïmo, 896 AZwgy{MV OZOm{V Am¡a 2300 AÝ` {nNSo dJ© HoŸ Ïmo.

AZwgy{MV Om{V/AZwgy{MV OZOm{V HŸúm

A.Om./A.O.Om. HŸúm gämr 26 úmoÍmr` HŸm`m©b`m| _| HŸm © HŸa aho h¢ VÏmmA.Om./A.O.Om. HoŸ d{aîR A{ÜmHŸmar HŸmo g§nH©Ÿ A{ÜmHŸmar HoŸ êŸn _| nXZm{_V{HŸ`m J`m h¡. n«ÜmmZ HŸm`m©b` _| A.Om./A.O.Om. HŸúm _w»` g§nH©Ÿ A{ÜmHŸmarHoŸ AÜmrZ HŸm ©aV h¡.

A.Om./A.O.Om. HŸ_©Mm{a`m| HŸr {ímHŸm`Vm| na {dMma HŸaHoŸ CZ na Vwa§V{ZdmaHŸ HŸma©dmB© HŸr OmVr h¡. _w»` g§nH©Ÿ A{ÜmHŸmar A.Om./A.O.Om. HŸ_©Mmar

18

HŸë`mÊm g§¿m d CZHŸo n«{V{Z{Üm`m| HŸmo n«ÜmmZ HŸm`m©b` _| {_bVo h¢ VÏmm `{XHwŸN _m_bo hmo Vmo n«.HŸm. HoŸ g§~§{ÜmV {dämmJ HŸmo {ZdmaÊm hoVw ämoO XoVo h¢. Bgrn«HŸma úmoÍmr` n«_w»m/g§nH©Ÿ A{ÜmHŸmar úmoÍmr` HŸm`m©b` ñVa na {ímHŸm`Vm| HŸm{ZdmaÊm HŸaVo h¢.

AmJo ~¢HŸ HoŸ AÜ`úm Ed§ n«~§Üm {ZXoímHŸ Am¡a A.Om./A.O.Om. n«{V{Z{Üm`m|HoŸ ~rM {V_mhr ~¡RHŸ {Z`{_V Vm¡a na gaHŸma HoŸ _mJ©{ZXo©ímm| HoŸ AZwgmaAm`mo{OV HŸr OmVr h¡. BZ ~¡RHŸm| _|, A.Om./A.O.Om. HŸ_©Mm{a`m| go g§~§{ÜmV`{X HŸmoB© {ímHŸm`V hmo Vmo, A.Om./A.O.Om. HŸë`mÊm g§¿m HoŸ n«{V{Z{Üm`m| HoŸgmÏm {dMma {d_ím© {HŸ`m OmVm h¡ VÏmm {ZnQm`m OmVm h¡. gämr Aä`mdoXZm| HŸmoEHŸ a{OñQa _| n«{d{îQ HŸr OmVr h¡ VÏmm n«Ë oHŸ Aä`mdoXZ na HŸr J`r HŸma©dmB©ämr XO© HŸr OmVr h¡. a{OñQa HŸmo g_`-g_` na _w»` g§nH©Ÿ A{ÜmHŸmar Ûmam{ZarúmÊm {HŸ`m OmVm h¡.

Bgr n«HŸma gämr 26 úmoÍmr` HŸm`m©b`m| d n«ÜmmZ HŸm`m©b` _| Amo~rgr HoŸ {bE_w»` g§nH©Ÿ A{ÜmHŸmar HoŸ AÜmrZ, AbJ go Amo~rgr HŸúm HŸm ©aV h¡.

~¢HŸ {Z`{_V Vm¡a go A.Om/A.O.Om. d A.{n.d. HoŸ {bE ämVr©-nyd©/nXmoÝZ{V-nyd© n«{ímúmÊm HŸr ì`dñÏmm HŸaVm h¡.

h_mam ~¢HŸ A.Om/A.O.Om., A.{n.d. d Aën g§»`H$ g_wXm` Ho$ HŸ_©Mm{a`mo§Ho$ {bE ämmaV gaHŸma HŸr gämr AmaúmÊm Zr{V HŸm AZwnmbZ HŸa ahm h¡ {Og_|ímmar{aHŸ êŸn go Agúm_ ì`{ŠV ämr ímm{_b h¡§.

ñQm\Ÿ g§~§Üm

~¡§H$ Ûmam ì`dhm © Ed§ _mZdr` Ñ{îQHŸmoÊm aIZo HoŸ H$maU ~¢HŸ HŸmo gHŸmamË_HŸn{aÊmm_ n«mßV hwE Am¡a ~¡§H$ n«~§YZ VWm ~¡§H$ Ho$ H$_©Mm{a`mo§ Ho$ gm_y{hH$ n« mgmo§go ~¡§H$ bJmVma n«J{Verb d¥{Õ {XIm ahm h¡. dmVmdaU gH$mamË_H$ h¡ VWmBgH$m n{aUm_ _mM© 2014 H$mo g_má {dÎmr` df© Ho$ Xm¡amZ ~¡§H$ HŸr Mm¡Va\$md¥{Õ Ho$ êŸn _o§ n{ab{úmV hwB©. ~¢HŸ _| Am¡Úmo{JHŸ g§~§Üm gm¡hmX©nyÊm© VÏmm ñZohnyÊm©ahm. df© Ho$ Xm¡amZ H$_©Mm{a`mo§ Ûmam ~¡§H$ go g§~§{YV _wÔmo§ Ho$ {bE H$moB© Am§XmobZAWdm AempÝV Zhr§ ahr. HŸ_©Mm{a`m| HŸr {ímHŸm`Vm| HŸm {ZdmaÊm HŸaZo VÏmm{ddmX, `{X HŸmoB©, HŸmo gm¡hmX©nyÊm© VarHoŸ go Xya HŸaZo HoŸ CÔoí` go _mÝ`Vm n«mßVy{Z`Zm| HoŸ n«{V{Z{Üm`m| HoŸ gmÏm {Z`{_V A§Vambm| na gbmhHŸma g{_{V ~¡RHŸ

VÏmm g_Âmm¡Vm g{_{V ~¡RHŸ| Am`mo{OV HŸr OmVr h¡ VWm BZ ~¡RHŸm| _| ~¢HŸ HoŸímrîm© HŸm ©nmbHŸ Cn{ñÏmV hmoVo h¢.

»mobHyŸX J{V{d{Üm`m§

{dO`m ~¢HŸ »mobHyŸX HoŸ {bE n«moËgmhZ XoVm Am`m h¡ VÏmm Xoímäma HŸr »mobHyŸXJ{V{dÜm`m| HoŸ {bE _hËdnyÊm© `moJXmZ {X`m h¡. ~¢HŸ Zo {d{ämÝZ »mobHyŸX O¡go{HŸ«HoŸQ, ~m°ñHoŸQ~m°b VÏmm HŸã~Èr _| CËH¥ŸîQ {»mbm{S`m| HŸr ämVr© HŸr h¡. dîm© HoŸXm¡amZ HŸB© {»mbm{S`m| Zo amîQ—r`/A§Vam©îQ—r` ñVa na Am`mo{OV HŸB© »mob _|ämmJ {bE. A§Vam©îQ—r` {HŸ«HoŸQ {»mbmSr lr Ama.{dZ` HwŸ_ma VÏmm amîQ—r` ñVaHoŸ {»mbmSr lr gr.E_.Jm¡V_ ({HŸ«HoŸQ) VÏmm lr gwHoŸím ho½So (HŸã~Èr) ~¢HŸ _|A~ HŸm ©aV h¢. lr {dZ` HwŸ_ma VÏmm lr gr.E_.Jm¡V_ HŸmo dîm© 2013-14 HoŸ

{bE HŸZm©QHŸ amÁ` {HŸ«HoŸQ Qr_ HoŸ, HŸ«_ím: H¡ŸßVmZ VÏmm Cn-H¡ŸßVmZ HoŸ êŸn _|Zm{_V {HŸ`m h¡ Am¡a BÝhm|Zo dîm© 2013-14 HoŸ {bE aÊmOr Q—m°\Ÿr VÏmm BamZrQ—m°\Ÿr HŸmo OrVm h¡. ~¢HŸ HŸr {HŸ«HoŸQ, ~m°ñHoŸQ~m°b VÏmm HŸã~Èr HŸr Qr_ h¡. dîm©2013-14 HoŸ Xm¡amZ ~¢HŸ HŸr BZ Qr_m| Zo CËH¥ŸîQ {ZînmXZ HŸaHoŸ g§JRZ HoŸ {bE~hwV gmar Cnm{Üm hm{gb HŸr. ~m°ñHoŸQ~m°b Qs_ Zo HŸmoÅ`_, HoŸab _| Am`mo{OVA{»mb ämmaVr` ~m°ñHoŸQ~m°b QyZm©_|Q OrVm. HŸã~Èr Qr_ Zo HŸma¡HwŸSr, V{_bZmSw_| Am`mo{OV A{»mb ämmaVr` HŸã~Èr QyZm©_|Q OrVm.

ñQm\Ÿ HŸë`mÊm Cnm`

Am{Ïm©HŸ HŸm © {dämmJ, {dËV _§Ímmb`, ämmaV gaHŸma HoŸ {ZXoímm| HoŸ AZwgma{Zdb bmäm HoŸ 3%, A{ÜmHŸV_ ` 15.00 HŸamoS VHŸ HŸr am{ím HŸmo ~¢HŸ HoŸHŸ_©Mm{a`m| HoŸ HŸë`mÊm hoVw Am~§{QV {HŸ`m OmZm h¡.

~¢HŸ _| {d{ämÝZ ñQm\Ÿ HŸë`mÊm `moOZmE§ h¢ O¡go

1. H¡Ÿ§QrZ AZwXmZ

2. dmhZ ì`` n«{Vny{V©

3. g_mMma nÍm n«{Vny{V©

4. dm{îm©HŸ ñdmñÏ` Om§M

5. n«.HŸm. VÏmm E_.Eg.Ama. ZJa _| {ñÏmV ñdmñÏ` Šbr{ZH$

6. A{Ümd{îm©Vm na godm{Zd¥ËV HŸ_©Mm{a`m| HŸmo dm{îm©HŸ {M{HŸËgm ghm`Vm

7. aOV O §Vr nwañHŸma n«XmZ HŸaZm

8. ñQm\Ÿ gXñ`m| HoŸ n«{Vämmímmbr ~ÀMm| HoŸ {bE ZHŸX n«moËgmhZ

9. dr-ím{ŠV, dr-gw~mo{ÜmZr d dr-n«J{V HoŸ AÜmrZ ~m{bHŸmAm| HoŸ {bE` 5,000.00 HŸr NmÍmd¥{ËV n«XmZ HŸaZm

10. J«yn _o{SŠbo_ B§í ya|g

11. ~|Jbya, _¡gya, D$Qr, {Xëbr d _w~§B© _o§ hm°{bSo hmo_, Am{X

{dO`m ~¢HŸ ñQm\Ÿ HŸë`mÊm {Z{Üm Ý`mg

{d{ämÝZ ñQm\Ÿ HŸë`mÊm Cnm`m| _| »mM© {HŸE JE ì`` HŸmo g_m`moOZ HoŸ níMmV(AÏmm©V {nNbo {dËVr` dîm© HoŸ {Zdb bmäm HoŸ 3% go, A{ÜmHŸV_ `15.00

HŸamoS HŸr gr_m) ~HŸm`m am{ím HŸmo Ý`mg _| A§V{aV {HŸ`m OmVm h¡.

ñQm\Ÿ HŸë`mÊm {Z{Üm Ý`mg HoŸ AÜmrZ ~¢HŸ HŸr HŸB© `moOZmE§ h¢ O¡go

1. HŸ_©Mm{a`m| HoŸ ~ÀMm| HŸmo NmÍmd¥{ËV XoZm

2. AñnVmbrHŸaÊm ì`` HoŸ Xmdo HoŸ ímoîm ì`` HŸr n«{Vny{V©

3. Mí_o HoŸ ì`` HŸr n«{Vny{V©

4. _¥V HŸ_©Mmar HoŸ Am{lVm| HŸmo A§{V_ g§ñHŸma ì``

5. A{Ümd{îm©Vm na godm{Zd¥ËV hwE HŸ_©Mm{a`m| HŸmo n«moËgmhZ am{ím XoZm

19

~¢HŸ, n{adma HŸë`mÊm `moOZm ämr Mbm ahm h¡ {OgHoŸ AÜmrZ `moOZm HoŸ gXñ`m|go EHŸ{ÍmV am{ím _¥VHŸ ñQm\Ÿ gXñ` HoŸ n{adma HoŸ gXñ`m| (Zm{_{V`m|) HŸmo{dV{aV HŸr OmVr h¡.

_mZd g§gmÜmZ n«~§ÜmZ n«Êmmbr

Ëd{aV {ZÊm© boZo HŸr n«{HŸ« m VÏmm HŸ_©Mm{a`m| go g§~§{ÜmV Ímw{Q_wŠV SmQm HoŸn«~§ÜmZ HŸmo gwMmêŸ ~ZmZo hoVw n«ÜmmZ HŸm`m©b` HoŸ H|ŸÐrH¥ŸV ñÏmmZ _| ~¢HŸ ZoEMAmaE_Eg (nrnbgm°âQ) gm°âQdo a HŸmo HŸm`m©{ÝdV {HŸ`m h¡.

EMAmaE_Eg gm°âQdo a _|, bmämm| HŸm n«ímmgZ, no-amob VÏmm n«{ímúmÊm g{hVHŸB© _mZd g§gmÜmZ HŸm © HŸmo EHŸ hr n¡HoŸO _| EHŸrH¥ŸV {HŸ`m J`m h¡.

AÝ` godmE§

ì`mnmar ~¢{H§ŸJ d ghm`HŸ J{V{d{Üm`m§

~¢HŸ, ì`mnmar ~¢{H§ŸJ J{V{d{Üm`m§ O¡go loÊmr I ì`mnmar ~¢HŸa, {ZJ©_ ~¢HŸa,{S~|Ma Q—ñQr, {ZúmonmJma ämmJrXmar HoŸ {bE ämmaVr` n«{Vämy{V Am¡a {d{Z_` ~moS©(go~r) go n§OrH¥ŸV h¡. ãbmHŸ HŸr J`r am{ím (EEg~rE) `moOZm Ûmam g_{Ïm©VE{ßbHoŸímZm| HoŸ AÜmrZ Omar AmB©nrAmo/A{ÜmHŸma ñdrH¥ŸV HŸaZo HoŸ {bE "ñdn«_m{ÊmV {g§{SHoŸQ ~¢HŸ" HoŸ êŸn _| ämr ~¢HŸ n§OrH¥ŸV h¡.

~¢HŸ, ã`mO/bmämm§ím/HŸm°nmo©aoQm| HŸo ÜmZdmngr AmXoímm| HoŸ ämwJVmZ HoŸ {bE ämwJVmZ~¢HŸa HŸm HŸm © ämr HŸaVm h¡. ~¢HŸ AnZo J«mhHŸm| HŸmo O_m {Zúmonr godmE§ VÏmmAm°Z-bmBZ Q—o{S§J ämr n«XmZ HŸaVm h¡.

gaHŸmar HŸmamo~ma

{d{ämÝZ gaHŸmar HŸmamo~ma HoŸ AÜmrZ ~¢HŸ AnZr 276 ímm»mmAm| _| n«Ë`úm HŸaVÏmm 37 ímm»mmAm| _| An«Ë`úm HŸa HŸr dgybr ämr HŸa ahm h¡. ~¢HŸ Zo dr-ZoQ~¢{H§ŸJ HoŸ O{aE AnZo gämr J«mhHŸm| HoŸ {bE AnZr gämr ímm»mmAm| _| gr~rSrQrd gr~rB©gr HoŸ HŸam| HŸm Am°ZbmBZ ämwJVmZ ímwêŸ {HŸ`m h¡. ~¢HŸ HŸr 338 ímm»mmE§bmoHŸ äm{dî` {Z{Üm »mmVo »mmobZo HoŸ {bE nXZm{_V h¡§. BgHoŸ Abmdm, gämrímm»mmE§ H|ŸÐr` {g{db, aúmm, Qo{bHŸm°_ n|ímZ VÏmm HŸZm©QHŸ, Am§Ü«m n«Xoím, HoŸabd 4 _oQ—mo ímham| HoŸ amÁ` n|ímZ g§{dV{aV HŸaZo HoŸ {bE n«m{ÜmH¥ŸV h¡. H|ŸÐ gaHŸman|ímZam| HŸr n|ímZ HŸm H|ŸÐrH¥ŸV ämwJVmZ HŸaZo HoŸ {bE n«.HŸm. _| H|ŸÐrH¥ŸV n|ímZg§gmÜmZ HŸúm ñÏmm{nV {HŸ`m J`m h¡. EZnrEg ñdmdb§~Z `moOZm HoŸ AÜmrZA§ímXmZ ñdrH¥ŸV HŸaZo hoVw 1385 ímm»mmAm| HŸmo EZnrEg-bmBQ g§J«hÊm H|ŸÐ(Eb-grgr)HoŸ êŸn _| nXZm{_V {HŸ`m J`m h¡.

EbAmB©gr HoŸ gmÏm HŸm°nmo©aoQ EO|gr

J«mhHŸm| HŸr OrdZ ~r_m Amdí`HŸVmAm| HoŸ {bE ~¢HŸ Zo ämmaVr` OrdZ ~r_m{ZJ_ HoŸ gmÏm HŸm°nmo©aoQ EO|gr ì`dñÏmm HŸr h¡.

yAmB©AmB©gr HoŸ gmÏm HŸmnmo©aoQ EO|gr

J«mhHŸm| HŸr J¡a-OrdZ ~r_m Amdí`HŸVmAm| HŸr ny{V© HoŸ {bE ~¢HŸ Zo yZmBQoSB§{S`m B§í ya|g H§ŸnZr {b. HoŸ gmÏm HŸmnmo©aoQ EOoÝgr HŸama {HŸ`m h¡.

CÜmmaHŸVm©Am| HoŸ {bE g_yh ~r_m HŸdaoO

~¢HŸ Zo d¡ {ŠVHŸ CÜmmaHŸVm©Am| HoŸ gm_y{hHŸ HŸdaoO hoVw _ogg© ~OmO Abm`Ýg{b. HoŸ gmÏm ì`dñÏmm HŸr h¡.

{Z{Üm A§VaÊm godmE§ (na§namJV VÏmm Am°ZbmBZ)

~¢HŸ, {Z{Üm A§VaÊm godmAm| HoŸ {bE _ZrJ«m_ VÏmm EŠgn«og _Zr HŸm g~-EO|Qh¡. _ZrJ«m_ HoŸ AÜmrZ, ~¢HŸ HŸr yEB© {d{Z_` d {dËVr` godmE§ VÏmm Ïmm°_gHwŸHŸ (B§{S`m) {b. XmoZm| HoŸ gmÏm QmB-An ì`dñÏmm h¡. ~¢HŸ HoŸ EZAmaAmB© HŸmoA{V{aŠV gw{dÜmm n«XmZ HŸaZo HoŸ {bE Am°ZbmBZ {Z{Üm A§VaÊm hoVw (ao{_Q 2B§{S`m) QmBåg Am°\Ÿ _Zr {b. HoŸ gmÏm QmB-An ì`dñÏmm h¡.

no_|Q JoQdoµO HoŸ gmÏm QmB-An

~¢HŸ Zo AnZo B§QaZoQ ~¢{H§ŸJ J«mhHŸm| HoŸ Ûmam _mb VÏmm godmAm| HŸr »marX HoŸ {bEAm°Z bmBZ ämwJVmZ hoVw QmBåg Am°\Ÿ _Zr {b. HoŸ gmÏm QmB An {HŸ`m h¡. BgHoŸAbmdm ~¢HŸ Zo AÝ` no_|Q JoQdo O¡go {~b SoñHŸ, grgr EdoÝ y VÏmm QoHŸ n«mogoggmë yímZ {b. HoŸ gmÏm ämr QmB An {HŸ`m h¡.

HŸ«o{SQ HŸmS© HŸmamo~ma

{dËVr` dîm© HoŸ A§V VHŸ ~¢HŸ Ûmam `Ïmm Omar HwŸb HŸmS© 1.56 bm»m h¡ VÏmmdîm© 2012-13 HoŸ ` 451.22 HŸamoS HoŸ nÊ`mdV© HŸr VwbZm _| ` 458.20

HŸamoS HŸm HŸ«o{SQ HŸmS© nÊ`mdV© h¡. ~¢HŸ Zo 1 {Xg§~a, 2013 go {Mn AmÜmm{aVHŸmS© Omar HŸaZm ímwêŸ {HŸ`m h¡.

dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Ûmam gyMr~Õ {HŸE JE ì`mnm{aHŸ n«{VîRmZm| HŸrg§»`m 1293 h¡. ~¢HŸ HŸm°S©bog HŸm°S© ñdmB{n§J _ímrZ ämr CnbãÜm HŸamVm h¡Am¡a `o Q{_©Zb B©E_dr/`yHoŸnrQr/ nrEbB© HŸm AZwnmbZ HŸaVm h¡ VÏmmPIN@POS h¡. ~¢HŸ h_mar HŸmoa ~¢{H§ŸJ ímm»mmAm| _| »mmVm a»mZodmbo ì`mnm{a`m|HŸmo grÜmo ämwJVmZ HŸaVm h¡.

So{~Q HŸmS©

So{~Q HŸmS© Omar HŸaZo _| AÀNr ~TmoËVar hwB© h¡. dîm© 2012-13 _o§ Omar24.60 bm»m HŸmS© HoŸ n«{V dîm© 2013-14 _| Omar {HŸE JE So{~Q HŸmSmoª HŸrg§»`m 32.20 bm»m h¡. So{~Q HŸmS© nÊ`mdV© 31.03.2013 HoŸ 326.43

HŸamoS HoŸ n«{V {dËVr` dîm© 2013-14 HoŸ Xm¡amZ ` 464.96 HŸamoS ahm.

~¢HŸ {dËVr` g_mdoímZ HoŸ AÜmrZ AmÜmma AmÜmm{aV éno HŸmS© VÏmm drHoŸgr»mmVm| go {b§HŸ {HŸE JE EQrE_ g_Ïm© {HŸgmZ HŸmS© Omar HŸa ahm h¡. `Ïmm31.03.2014 {dËVr` g_mdoímZ HoŸ AÜmrZ 77017 HŸmS© Omar {HŸE JE h¢.dîm© HoŸ Xm¡amZ ~¢HŸ Zo éno ~«m§SoS So{~Q HŸmS© VÏmm {Mn AmÜmm{aV So{~Q HŸmS© OmarHŸaZm ímwêŸ {HŸ`m h¡.~¢HŸ Zo Xoímr ñVa na d¡Üm n«rnoS {JâQ HŸmS© Omar HŸaZm ímwêŸ{HŸ`m h¡.

20

{ZúmonmJma ämmJrXmar »mmVm d Am°ZbmBZ Q—o{S§J

{dO`m ~¢HŸ HŸm {ZúmonmJma ämmJrXmar »mmVm amîQ—r` n«{Vämy{V {ZúmonmJma {b{_QoSHoŸ gmÏm h¡. {dO`m ~¢HŸ {ZåZ {ZúmonmJma godmE§ n«XmZ HŸaVr h¡.

l »mmVm »mmobZm

l n«{Vämy{V`m| HŸm A_yVr©HŸaÊm (ímo a, {S~|Ma, å yMwAb \§ŸS, Am{X)

l EZEgSrEb VÏmm grSrEgEb HoŸ gmÏm OwSo ñQm°HŸ {d{Z_`m| _| ì`mnmaHŸm BboŠQ—m°{ZHŸ {ZnQmZ

l ~¢HŸ FÊm HoŸ n«{V A_yV© n«{Vämy{V HŸr {Jadr/X¥{îQ~§ÜmHŸ

l gmd©O{ZHŸ {ZJ©_ _| Am~§{QV n«{Vämy{V`m| HŸr BboŠQ—m°{ZHŸ O_m

l O~ HŸämr Amdí`HŸ hmo »mmVm| HŸm amoHŸ bJmZm Vm{HŸ »mmVo go Zm_o HŸrAZw_{V Z hmo

l A_yV© »mmVm| HoŸ {bE Zm_m§HŸZ gw{dÜmm

l nVo _| n{adV©Z, ~¢HŸ »mmVm {ddaÊm, Am{X go g§~§{ÜmV godmE§

l n«{Vämy{V`m| HŸm n«oîmÊm HŸaZm

l EZEgSrEb AmB©SrB©EEg gw{dÜmm

~¢HŸ J«mhHŸm| HŸmo {ZúmonmJma godmE§ n«XmZ HŸaVm h¡ VÏmm Am°ZbmBZ Q—o{S§J n«XmZHŸaZo HoŸ {bE AmB©Sr~rAmB© H¡Ÿ{nQb HoŸ gmÏm QmB-An {HŸ`m h¡.

gaHŸmas HŸmamo~ma _m°S² yb (Os~sE_)

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

l AmoëQmg _m°S² yb, Omo [HŸ àË`úm d AàË`úm HŸa VWm ^m.[a.~¡§HŸ HŸmoHŸa aHŸ_ HoŸ ZmJnwa qbHŸ gob HoŸ O[aE àofU HŸm HŸm © HŸaVm h¡.

l bmoHŸ ^[dî` [Z[Y - nsnsE\Ÿ ~¡§HŸ HŸr nXZm{_V emImAmo§ _o§ ñdsH¥ŸVHŸs OmVs h¡.

no§eZ HŸm HoŸÝÐsH¥ŸV wJVmZ - n«ÜmmZ HŸm`m©b` _| EHŸ g_[n©V HoŸÝÐsH¥ŸV no§eZwJVmZ g§gmYZ HŸúm HŸs ñWmnZm HŸs JB© h¡. amÁ`, HoŸÝÐs`, [g[db, Xyag§Mma,

aúmm, Ý`m`mYse VWm ñdV§ÌVm goZmZs no§eZ O¡go g^s àHŸma HoŸ no§eZ HŸmwJVmZ HoŸÝÐsH¥ŸV ên go gsnsnsgs HŸúm, àYmZ HŸm`m©b` Ûmam [HŸ`m Om ahm h¡.

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

{dnÊmZ Tm§Mm

~¢HŸ HoŸ n«.HŸm. _| {ñÏmV {dnÊmZ HŸúm Xoímäma _| {d{ämÝZ úmoÍmr` HŸm`m©b`m|,AmaEgrnrgr d E_EgE_B© HŸúm _| HŸm ©aV gämr {dnÊmZ A{ÜmHŸm{a`m| HŸrg{HŸ« n«{Vämm{JVm go ~¢HŸ HoŸ {d{ämÝZ CËnmXm| VWm godmAmo HoŸ n«Mma d {dnÊmZ_| g{HŸ« êŸn go HŸm ©aV h¡.

n«Mma VÏmm OZg§nH©Ÿ

{dËVr` dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ d CgHoŸ CËnmXm| HŸr Ñí`Vm HŸmo g§nyÊm©Xoím _| ~TmZo hoVw A§J«oOr, {hÝXr d úmoÍmr` ämmîmmAm| _| {n«§Q d BboŠQ—m{ZHŸ_r{S`m _| ~¢HŸ Zo HŸB© n«_w»m {dkmnZ A{äm`mZ Am`mo{OV {HŸE. Bg dîm© ~mø{dkmnZ _r{S`m O¡go hdmB© AÈo VÏmm {Xëbr _oQ—mo aoëdo ñQoímZ, HŸmobHŸmVm_oQ—mo ñQoímZ _| Q—mÝgbmBQ Am{X HoŸ O{aE n«_w»m n«Mma A{äm`mZ {HŸE JE.E\ŸE_ ao{S`mo-ao{S`mo 1, ao{S`mo {g{Q d ao{S`mo {_Mr© HoŸ O{aE n«Mma A{äm`mZm|HoŸ Abmdm _oQ—mo ímham| _| ~mø {dkmnZ hmo{SªJ, aoëdo ñQoímZ/~g AÈo _| ½bmogmBZ/gmBZ ~moS© {dkmnZ HoŸ O{aE ämr n«Mma {HŸ`m J`m.

amOämmîmm HŸm`m©Ýd`Z

amîQ—r`HŸaÊm go ~¢HŸ ämmaV gaHŸma HŸr amOämmîmm Zr{V HŸmo ghr ämmdZm go HŸm`m©Ýd`ZHŸa ahm h¡. ñQm\Ÿ gXñ`m| HoŸ n« mg go ~¢HŸ Zo `Ïmm 31.03.2014 HŸmo {hÝXrnÍmmMma _| "HŸ' úmoÍm _| 100% bú` HoŸ n«{V 90.10%, "»m' úmoÍm _| 90%bú` HoŸ n«{V 78.57% VÏmm , "J' úmoÍm _| 55% bú` HoŸ n«{V 61.26%hm{gb {HŸ`m h¡.

~ÀMm| HoŸ {bE ~MV ~¢HŸ CËnmX "dr-OoZ yÏm' ~¡Za HoŸ AÜmrZ, gämr 26úmoÍmr` HŸm`m©b`m| d n«ÜmmZ HŸm`m©b` Ûmam hmB©ñHyŸb NmÍmm| HoŸ {bE {hÝXrAmímwämmîmÊm n«{V`mo{JVm HŸm Am`moOZ {HŸ`m J`m. n«Ë oHŸ úmoÍmr` HŸm`m©b` Ûmam{hÝXr g§JmoîRr d {hÝXr n«íZ-_§Àm HŸm Am`moOZ {HŸ`m J`m {Og_| {d{ämÝZ_hm{dÚmb`/{díd{dÚmb` HoŸ AÜ`mnHŸ d NmÍmm|, J«mhHŸm| VÏmm ñQm\Ÿ gXñ`m|Zo ämmJ {b`m. 21 {dímoîm {hÝXr HŸm ©ímmbmE§ Am`mo{OV HŸr J`r {OZ_| 212HŸm ©nmbHŸm| Zo ämmJ {bE. ñQm\Ÿ gXñ`m| HoŸ {bE 102 {hÝXr HŸm ©ímmbmE§Am`mo{OV HŸr J`r§ {OZ_| 1863 ñQm\Ÿ gXñ`m| HŸmo n«{ím{úmV {HŸ`m J`m.

g§gXr` amOämmîmm g{_{V (Vrgar Cn-g{_{V) Zo {XZm§HŸ 05.07.2013 HŸmoh_mao n«ÜmmZ HŸm`m©b` HŸm {ZarúmÊm {HŸ`m VÏmm amOämmîmm HŸm`m©Ýd`Z HoŸ úmoÍm _|~¢HŸ Ûmam {HŸE JE n« mgm| HŸmo gamhm.

{dËVr` godmE§ {dämmJ HoŸ g§ wŠV g{Md VÏmm g§ wŠV {ZXoímHŸ (amOämmîmm)Ûmam {XZm§HŸŸ 14.09.2013 HŸmo amOämmîmm HŸm`m©Ýd`Z HoŸ g§~§Üm _| n«ÜmmZ HŸm`m©b`HŸm {ZarúmÊm {HŸ`m J`m VÏmm Bg {Xímm _| hwB© n«J{V HŸr g_rúmm HŸr J`r.g§ wŠV {ZXoímHŸ (amOämmîmm) HŸr AÜ`úmVm _| n«ÜmmZ HŸm`m©b` Ûmam ''amOämmîmmn« moJ-Amngr g§dmX-gmÏm©HŸ {Xímm'' na {XZm§HŸ 16.09.2013 HŸmo HŸm ©HŸ«_Am`mo{OV {HŸ`m J`m {Og_| amîQ—r`H¥ŸV ~¢HŸm| HoŸ n«{V{Z{Üm`m| Zo ämmJ {b`m.

n«ÜmmZ HŸm`m©b` _| {XZm§HŸ 18.09.2013 HŸmo {hÝXr {Xdg g_mamoh HŸm Am`moOZ{HŸ`m J`m VÏmm Bg Adga na SoñHŸ H¡ŸboÊSa HoŸ êŸn _| Zmo{Q§J ghm{`HŸm HŸm{d_moMZ {HŸ`m J`m. ~¢HŸ HŸrŸ {dímoîm B§Q—mZoQ amOämmîmm do~gmBQ _| gämr ímm»mmAm|/HŸm`m©b`m| HoŸ nÍmímrîm©, HŸm`m©b` ZmoQ, nÍm, Am{X CnbãÜm HŸamHŸa Bgo ñQm\ŸgXñ`m| HoŸ {bE A{ÜmHŸ gw{dÜmmOZHŸ ~Zm`m J`m.

{XZm§HŸ 13.12.2013 HŸmo ~¢HŸ Zo n«ÜmmZ HŸm`m©b` _| H¥Ÿ{îm _hm{dÚmb`,ämmaVr` {aOd© ~¢HŸ, nwÊmo HoŸ VËdmdÜmmZ _| {hÝXr _| n«{ímúmÊm HŸr g_Ýd`

21

g{_{V HŸr 91 dt ~¡RHŸ HŸr _oO~mZr HŸr, {Og_| amîQ—r`H¥ŸV ~¢HŸm| HoŸ n«{V{Z{Üm`m|Zo ämmJ {b`m. ~¢HŸ HoŸŸ n«ÜmmZ HŸm`m©b` _| {XZm§HŸ 01.02.2014 HŸmo amOämmîmmA{ÜmHŸm{a`m| HŸm gå_obZ Am`mo{OV {HŸ`m J`m.

Xoím HŸr {d{ämÝZ ZJa amOämmîmm HŸm`m©Ýd`Z g{_{V`m| HoŸ VËdmdÜmmZ _| h_mao~¢HŸ Zo HŸB© A§Va ~¢HŸ n«{V`mo{JVmE§ Am`mo{OV HŸt ËmÏmm h_mao HŸB© ñQm\Ÿ gXñ`m|Zo nwañHŸma ämr OrVo h¢.

~¢HŸ HoŸ n«ÜmmZ HŸm`m©b`, {d{ämÝZ úmoÍmr` HŸm`m©b`m| Zo g§~§{ÜmV ZJa amOämmîmmHŸm`m©Ýd`Z g{_{V`m| go amOämmîmm HŸm`m©Ýd`Z hoVw dîm© 2012-13 HoŸ {bEnwañHŸma OrVm h¡ - n«ÜmmZ HŸm`m©b`-~|Jbya, úmoÍmr` HŸm`m©b`-hmgZ VÏmmHŸmobHŸmVm HŸmo n«Ïm_ nwañHŸma, úmoÍmr` HŸm`m©b`-HŸmbrHŸQ HŸmo {ÛVr` nwañHŸma,úmoÍmr` HŸm`m©b`-_§Jbya VÏmm {dO`dmSm HŸmo V¥Vr` nwañHŸma VÏmm úmoÍmr`HŸm`m©b`-~|Jbya (CËVa) HŸmo n«moËgmhZ nwañHŸma.

d¡HŸ{ënHŸ gwnwX©Jr M¡Zb

J«mhHŸm| VÏmm ~¢HŸm| HoŸ Amngr bmäm HoŸ {bE n«m¡Úmo{JHŸr g_{Ïm©V d¡HŸ{ënHŸ gwnwX©Jr_mÜ`_ HŸm Cn`moJ gw{Z{íMV HŸaZo HoŸ {bE HŸB© HŸm ©HŸbmn Am`mo{OV {HŸE JEh¢. J«mhHŸm| HŸmo _ob ämoOo JE {Og_| d¡HŸ{ënHŸ gwnwX©Jr _mÜ`_ HoŸ n« moJ go bmämO¡go B§QaZoQ ~¢{H§ŸJ, So{~Q HŸmS© HŸm Cn`moJ, Am°Z-bmBZ »marX, AmaQrOrEg/EZB©E\ŸQr HoŸ O{aE {Z{Üm A§VaÊm HoŸ bmäm na n«HŸmím Smbm J`m. HŸ_©Mm{a`m| HŸmoBZ CËnmXm| go n{aM` HŸamZo/BgHoŸ n«{V g§doXZímrb ~ZmZo HoŸ {bE HŸ_©Mmar_hm{dÚmb` Ûmam n«{ímúmÊm HŸm ©HŸ«_ Am`mo{OV {HŸE OmVo h¢, `h gw{Z{íMVHŸaZo HoŸ {bE {HŸ o gmar gw{dÜmmE§ ì`mdgm{`HŸ VarHoŸ go J«mhHŸm| VHŸ nhw§Mm`rOmVr h¡.

Qo{b~¢{H§ŸJ gw{dÜmm

Qo{b~¢{H§ŸJ gw{dÜmmE§ dîm© 2012-13 HoŸ Xm¡amZ ímwêŸ HŸr J`r. Qo{b~¢{H§ŸJ gw{dÜmmgo J«mhHŸm| HŸmo HŸB© bmäm h¢ Š`m|{HŸ ghm`HŸ godmE§ 24x7 CnbãÜm h¡.

B§QaZoQ ~¢{H§ŸJ

dr-ZoQ ~¢{H§ŸJ, ~¢HŸ HŸm B§QaZoQ ~¢{H§ŸJ M¡Zb h¡ {Og_| »mmVm ímoîm nyNVmN,»mmVm {ddaÊmr, EZB©E\ŸQr/AmaQrOrEg HoŸ O{aE A§Va ~¢HŸ VÏmm AÝ` ~¢HŸm| HoŸgmÏm {Z{Üm A§VaÊm, EgE_Eg AbQ© go g§~§{ÜmV boZXoZ, An«Ë`úm/n«Ë`úm HŸaHŸm ämwJVmZ, amÁ` dm{Êm{Á`HŸ HŸa, y{Q{bQr {~b ämwJVmZ, _§{Xam| HŸmo Am°ZbmBZXmZ Ed§ n«ÜmmZ _§Ímr amhV {Z{Üm HoŸ {bE Am°ZbmBZ XmZ VÏmm AÝ` gw{dÜmmE§CnbãÜm h¡.

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

• yOa AmB©Sr d nmgdS© Am°ZbmBZ g¥{OV {HŸ`m Om gHŸVm h¡

• J«mhHŸ AnZm nrnrE\Ÿ »mmVm Xo»m gHŸVo h¢ VÏmm dr-ZoQ ~¢{H§ŸJ gw{dÜmmCn`moJ HŸaVo hwE OwSo JE AnZo n{aMmbZmË_HŸ »mmV| go nrnrE\Ÿ »mmVo _|{Z{Üm HŸm A§VaÊm HŸa gHŸVo h¢.

• J«mhHŸ AnZo {dO`m ~¢HŸ HŸ«o{SQ HŸmS© {ddaÊm Xo»m gHŸVo h¢.

_mo~mBb ~¡§qHŸJ

dr-_mo~mBb ~¡§qHŸJ M¡Zb HoŸ O[aE ~¡§HŸ, ImVm eof nyNVmN, ImVm [ddaUs,_mo~mBb arMmO©, A§Va ~¡§HŸ d ~¡§HŸ HŸs emImAmo§ HoŸ ~sM [Z[Y A§VaU EZB©E\ŸQr,E`abmBZ {QHoŸQ ~w{H§ŸJ, _ydr {QHoŸQ ~w{H§ŸJ, Am{X àXmZ HŸa ahm h¡ Omo [HŸJŒmhHŸ EgE_Eg/OrnrAmaEg g§n«oîmÊm _moS HoŸ O{aE h¡§SgoQ go HŸa gHŸVo h|.VËHŸmb ämwJVmZ godm EZnsgrAmB© (ämmaVr` amîQ—r` ämwJVmZ {ZJ_) Ûmam ewêŸHŸs JB© nhb h¡ {Ogo _mo~mBb ~¢{H§ŸJ godmE§ Cn`moJ HŸaZodmbo J«mhHŸ HoŸ bmämmÏm©HŸm`m©{ÝdV {HŸ`m J`m h¡. A§Va ~¡§HŸ _mo~mBb wJVmZ godm (AmB©E_nsEg)(nr2nr-ì`{ŠV go ì`{ŠV HŸmo) {OgHoŸŸ O{aE 24X7 E_E_AmB©Sr (_mo~mBb_Zr AmBS|{Q\Ÿm`a) HŸm n« moJ HŸaHoŸ ~¢HŸ HoŸ A§Xa d ~¢HŸm| HoŸ ~rM boZXoZ HŸagHŸVo h¢. h_mar _m¡OyXm _mo~mBb ~¢{H§ŸJ godmAm| _| AmB©E_nrEg (nr2E-ì`{ŠV go »mmVo HŸmo) HŸm`m©{ÝdV h¡ Ohm§ J«mhHŸ E_E_AmB©Sr HŸm Cn`moJ {HŸE{~Zm, {hVm{ÜmHŸmar HŸm »mmVm g§»`m VÏmm AmB©E\ŸEggr HyŸQ HŸm n« moJ HŸaVo hwE{Z{Üm A§VaÊm HŸa gHŸVo h¢.

EgE_Eg AbQ²g©/B©-_ob

~¢HŸ EgE_Eg AbQ© godm ämr n«XmZ HŸaVm h¡. ` 2000/- go A{ÜmHŸ gämrboZXoZ VÏmm MoHŸ bm¡QmE OmZo HoŸ g§~§Üm _|, Mmho am{ím {OVZr ämr hmo, g§Xoím ämoOoOmVo h¢. {OZ »mmVmÜmmaHŸm| Zo B©-_ob AmBSr a{OñQa {HŸ`m h¡, CZHŸmo B©-_ob HoŸO{aE »mmVm| HŸr _m{gHŸ {ddaÊmr ämoOZo HŸm HŸm © ímwêŸ {HŸ`m J`m h¡.

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

• EgE_Eg-AmoQrnr (EHŸ ~maJr nmgdS©) Ûmam dr-ZoQ ~¢{H§ŸJ HoŸ{hVm{ÜmHŸm{a`m| HŸmo OmoS

• EgE_Eg-AmoQrnr Ûmam Am°ZbmBZ na dr-ZoQ ~¢{H§ŸJ nmgdS© (EHŸ~maJr nmgdS©) argoQ {HŸ`m Om gHŸVm h¡.

• AÝ` gwaúmm gw{dÜmmAm| HoŸ gmÏm-gmÏm »mwXam J«mhHŸ, EgE_Eg-AmoQrnr(EHŸ ~maJr nmgdS©) Ûmam ñd-n« moŠVm ~Z gHŸVm h¡.

J«mhHŸ godm

J«mhHŸ godm Am¡a {ímHŸm`Vm| HŸm {ZnQmZ

~¢HŸ _| EHŸ gwñÏmm{nV _O~yV {ímHŸm`V {ZdmaÊm V§Ím h¡ VÏmm gämr {ímHŸm`Vm|HŸmo g_`~Õ {ZnQmZ hoVw OmoaXma n« mg {HŸE Om aho h¢¡.

J«mhHŸ godm HŸr JwÊmdËVm HŸmo ~TmZo/{ímHŸm`Vm| HoŸ {ZnQmZ HŸmo gw{Z{íMV HŸaZo HoŸ{bE ~¢HŸ Ûmam CRmE JE HwŸN Cnm` {ZåZmZwgma h¡ :

• C3O H m ©embm : ''J«mhHŸmoÝ_w»m g§JRZ HŸm g¥OZ'' - J«mhHŸ godm

HŸr Amdí`HŸVm AnZmnZ HŸr ämmdZm OmJ¥V HŸaZm, ZdrZV_ VHŸZrHŸrOmZHŸmar CnbãÜm HŸamZm VÏmm ~¢HŸ HoŸ CËnmX HoŸ ~mao _| {Za§Va kmZ d¥{ÕHoŸ {bE ~¢HŸ HoŸ gämr \Ÿ«§QbmBZ HŸ_©Mm{a`m| HŸmo gwJ«mø ~ZmZo hoVw ~¢HŸ _|HŸm ©ímmbmAm| HŸm {Za§Va Am`moOZ {HŸ`m Om ahm h¡

22

• JwßV {ZarúmÊm : {ZåZ ~mVm| na ímm»mmAm| HŸm _yë`m§HŸZ HŸaZo HoŸ {bE

JwßV {ZarúmÊm {H E JE h¡ :

1. ímm»mmAm| HŸm _mhm¡b

2. CËnmX HoŸ ~mao _| ñQm\Ÿ HŸm kmZ

3. J«mhHŸm| HŸm ñdmJV VÏmm CZgo ì`dhma

4. ñQm\Ÿ HŸm g_J« godm ñVa

J«mhHŸ godm _| gwÜmma bmZo na Ü`mZ H|Ÿ{ÐV HŸaZo HoŸ {dMma _| Vrd«Vm

~TmZo HoŸ {bE, AÜ``Z HŸm n{aÊmm_ ~hwV Cn`moJr h¡.

• EgnrOrAmaEg (_mZHŸrH¥ŸV bmoHŸ {ímHŸm`V {ZdmaÊm n«Êmmbr):

EgnrOrAmaEg HŸmo bmJy HŸaZo hoVw {dËVr` godmE§ {dämmJ Ûmam {XE JE

AZwXoímm| HŸmo h_mao ~¢HŸ Zo Vwa§V ñdrHŸma {HŸ`m. EgnrOrAmaEg Ho VhV

{d{dÜm _mÜ`_m| go n«mßV {ímHŸm`Vm| HŸmo J«mhHŸ {ímHŸm`Vm| HoŸ {bE EHŸrH¥ŸV

gyMZm n«Êmmbr HoŸ HŸ«_ _| n§OrH¥ŸV VÏmm {S{OQbmBOS {HŸ`m OmEJm.

gämr {ímHŸm`Vm| HŸmo {d{ämÝZ ímrîm© VÏmm Cnímrîmmoª _| dJr©H¥ŸV {HŸ`m OmVm

h¡ VÏmm ñdV: gab d g_`~Õ {ZnQmZ hoVw g§~§{ÜmV {dämmJm| HŸmo ämoOm

OmVm h¡.

• HŸm°b g|Qa : d¡HŸ{ënHŸ gwnwX©Jr M¡Zb, EQrE_/HŸ«o{SQ HŸmS©, J«mhHŸ

godm, CËnmXm| HoŸ n«Mma HoŸ g§~§Üm _| J«mhHŸm| HŸr gw{dÜmm hoVw ~¢HŸ _| {dímoîm

HŸm°b g|Qa HŸm ©aV h¡.

• An«gÝZ EgE_Eg : ~¢HŸ Zo J«mhHŸm| HoŸ {bE ''An«gÝZ EgE_Eg''

Ama§äm {HŸ`m h¡. `{X HŸmoB© J«mhHŸ, AnZo _mo~mBb go HPY (Space)

N HŸmo 9844213910 _| An«gÝZ EgE_Eg ämoOVo h¢ Vmo h_mao HŸm°b

g|Qa HoŸ A{ÜmHŸmar Vwa§V CÝh| HŸm°b HŸaVo h¢, An«gÝZVm HŸm HŸmaÊm nyNVo

h¢ VÏmm CZHŸr Amdí`HŸVmAm| HŸmo nyam HŸaZo HŸm n« mg HŸaVo h¢.

ämmaVr` ~¢{H§ŸJ g§{hVm d _mZHŸ ~moS© (~rgrEg~rAmB©)

~rgrEg~rAmB© HŸmŸ gXñ` hmoZo HoŸ ZmVo ~rgrEg~rAmB© Ûmam V¡ ma HŸr J`r

ñd¡{ÀNHŸ g§{hVm HŸmo ~¢HŸ Zo AnZm`m h¡ AÏmm©V (i) ' J«mhHŸm| HoŸ n«{V ~¢HŸ HŸr

n«{V~ÕVm g§{hVm' (ii) 'gyú_ Ed§ b¿mw CÚ_m| HoŸ n«{V ~¢HŸ HŸr n«{V~ÕVm

g§{hVm'. ~¢HŸ Zo ~rgrEg~rAmB© HoŸ _mJ©{ZXo©ímmZwgma HŸB© Zr{V`m| HŸmo ämr V¡ ma

{HŸ`m h¡ VÏmm CgHŸm AZwnmbZ {HŸ`m h¡. g§{hVmAm| HoŸ Aúmaím: AZwnmbZ HoŸ

CÔoí` go n«{ímúmÊm _| HŸm ©HŸ«_m| _| g§{hVmAm| HoŸ n«mdÜmmZm| HŸmo g_m{hV HŸaVo hwE

J«mhHŸ godm na EHŸ gÍm HŸmo ímm{_b {HŸ`m J`m h¡. ~¢HŸ Zo n«ÜmmZ HŸm`m©b`,

~|Jbya _| 21 OyZ, 2013 HŸmo ~rgrEg~rAmB© J«mhHŸm| HŸr ~¡RHŸ HŸm Am`moOZ

{HŸ`m. ~¡RHŸ lr E.gr._hmOZ, AÜ`úm, ~rgrEg~rAmB© HŸr AÜ`úmVm _| hwB©,

{Og_| ~¢HŸ HoŸ AÜ`úm Ed§ n«~§Üm {ZXoímHŸ VÏmm HŸm ©HŸmar {ZXoímHŸ Cn{ñÏmV Ïmo.

HŸm°nmo©aoQ gm_m{OHŸ Xm{`Ëd

g_mO HoŸ {hV HoŸ {bE VÏmm g{å_{bV {dHŸmg gw{Z{íMV HŸaZo hoVw {dËVr`

dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Ûmam HŸB© HŸmnmo©aoQ gm_m{OHŸ Xm{`Ëd (grEgAma)

nhbm| HŸr ímwêŸAmV HŸr J`r. {dËVr` dîm© 2013-14 HoŸ Xm¡amZ, ~¢HŸ Zo ñZmVHŸ

ñVa HŸr nTmB© hoVw {dËVr` ghm`Vm àXmZ H aZo Ho {bE 35 NmÍmmAm| HŸmo JmoX

{b`m h¡. 83 dt g§ñÏmmnZm {Xdg HoŸ Adga na, Eå~wb|g HŸr »marX VÏmm

{M{HŸËgm ghm`Vm, gaHŸmar ñHyŸbm| HoŸ {bE 183 dmQa ß y{a\Ÿm`a, {dHŸbm§J

VÏmm AZmÏmmb`m| HoŸ {bE ämdZ HŸm {Z_m©Êm, {Z:ghm` _{hbmAm| HoŸ {bE

{gbmB© _ímrZm| HŸm XmZ {HŸ`m h¡. ~¢HŸ Zo dîm© 2011-12 _| AnZmE JE Jm§dm|

HoŸ J«m_rÊm ñdmñÏ` H|ŸÐm| _| Xr Om ahr godm HŸmo Omar a»mm h¡. BgHoŸ Abmdm,

~¢HŸ Zo ~g ímoëQam| HoŸ {Z_m©Êm HŸm ©, gm¡a bmB©Q/b¢n HŸr g§ñÏmmnZm, AZmÏmmb`m|

HŸmo ghm`Vm, d¥ÕmdñÏmm H|ŸÐ, {dHŸbm§J ì`{ŠV`m| HŸmo ghm`Vm, J«m_rÊm VÏmm

gaHŸmar ñHyŸbm| _| ~ohVa gw{dÜmmE§ ~ZmZo hoVw ghm`Vm, ñdmñÏ` {ím{da HoŸ

Am`moOZ, n«mH¥Ÿ{VHŸ AmnXmAm| HoŸ nr{SVm| HoŸ {bE amhV, Jm§dm| Am¡a J«m_rÊm

ñHyŸbm| HoŸ {bE ~w{Z`mXr gw{dÜmmE§ VÏmm g_mO HoŸ gHŸmamË_HŸ {dHŸmg g§~§Ümr

J{V{d{Üm`m| HoŸ {bE ghm`Vm HŸm © ímwêŸ {HŸ`m h¡.

Cnm{Üm`m§ d Cnb{ãÜm`m§

{d{ämÝZ nhbwAm| HŸr nhMmZ HoŸ êŸn _| dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ HŸmo HŸB©

Cnm{Üm`m§ d nwañHŸmam| go ZdmOm J`m.

• _mZd g§gmÜmZ n«~§ÜmZ n«Êmmbr _| CËH¥ŸîQVm HoŸ {bE X Ý y B§{S`Z EŠgn«og

g_yh HoŸ g§So ñQ¢SS© Ûmam '~oñQ ~¢HŸa - EMAma' nwañHŸma

• AmB©Qr nhb _| CËH¥ŸîQVm HoŸ {bE E{_Qr {díd{dÚmb` Ûmam 'gyMZm

n«m¡Úmo{JHŸr HoŸ g_Ïm©Z go HŸmamo~ma CËH¥ŸîQVm HŸr n«m{ßV hoVw E{_Qr ZoV¥Ëd

Cnm{Üm'

• ~¢HŸ HoŸ AÜ`úm Zo B{ñQQ² yQ Am°\Ÿ n{ãbHŸ E§Qan«mBOg Ûmam 'EMAma

A{äm_w»mrHŸaÊm wŠV grB©Amo' HŸr Cnm{Üm n«mßV HŸr.

• ~¢HŸ HoŸ FÊm {dämmJ HŸmo {~«{Qím ñQ¡S§S© g§ñÏmmZ (~rEgAmB©) Ûmam gyMZm

gwaúmm n«~§ÜmZ n«Êmmbr HoŸ {bE AmB©EgAmo/AmB©B©gr 27001:2005

n«_mÊmrHŸrHŸaÊm go n«Ë`m{`V {HŸ`m J`m.

23

_§Sb HŸr ~¡RH|Ÿ d _§Sb HŸr AÝ` Cn-g{_{V`m| HŸr ~¡RH|Ÿ

dîm© 2013-14 HoŸ Xm¡amZ, {ZXoímHŸ _§Sb HŸr 20 ~¡RH|Ÿ hwBª. g{_{V HŸr ~¡RHŸm|HoŸ {ddaÊm {ZåZmZwgma h¡ :

g{_{V H m Zm_ ~¡RHŸm| HŸr g§»`m

_§Sb HŸr n«~§Üm g{_{V 15

_§Sb HŸr bo»mmnarúmm g{_{V 13

{ZXoímHŸm| HŸr nXmoÝZ{V g{_{V 4

_§Sb HŸr Omo{»m_ n«~§ÜmZ g{_{V 5

A{ÜmHŸ _yë` HŸr Ümmo»mmÜm{S`m| HŸr g_rúmm g{_{V 5

_§Sb HŸr nm{al{_HŸ g{_{V 1

_§Sb HŸr Zm_m§HŸZ g{_{V 1

_§Sb HŸr J«mhHŸ godm g{_{V 3

ímo aÜmmaHŸ/{ZdoímHŸ {ímHŸm`V g{_{V 4

ímo a A§VaÊm 9

n«ÜmmZ HŸm`m©b` ñVa HŸr FÊm AZw_moXZ g{_{V 53

AZwímmg{ZHŸ n«m{ÜmHŸmar HoŸ êŸn _| AÜ`úm Ed§ n«~§Üm{ZXoímHŸ HoŸ A§{V_ AmXoímm| HoŸ n«{V HŸ_©Mmar Ûmam {XE JEAnrb na {dMma HŸaZo hoVw g{_{V 2

gyMZm n«m¡Úmo{JHŸr aÊmZr{V g{_{V 2

MwZmd _| Cå_rXdma HŸm g_Ïm©Z 2

EZnrE HŸm FÊm {ZJamZr dgybr n«~§ÜmZ 5

Am~§QZ g{_{V 2

{ZXoímHŸ _§Sb

dîm© 2013-14 HoŸ Xm¡amZ, {ZåZ n{adV©Z hwE :

1. lr EM.Eg.CnoÝÐ HŸm_V Zo A{Ümd{îm©Vm n«mßV HŸaZo na {XZm§HŸ31.12.2013 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

2. lr dr.HŸÊÊmZ Zoo {XZm§HŸ 01.01.2014 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸHoŸ êŸn _| H m © ma g§ mbm h¡.

3. lr ~r.Eg.am_m amd HŸmo {XZm§HŸ 27.09.2013 go HŸm ©HŸmar {ZXoímHŸ HoŸêŸn _| {Z wŠV {HŸ`m J`m h¡.

4. lr dmB©._wabrH¥ŸîÊmm HŸmo {XZm§HŸ 02.11.2013 go HŸm_Jma {ZXoímHŸ HoŸêŸn _| lr gwaoe Hm_V Ho ~Xbo {Z wŠV {HŸ`m J`m h¡.

5. lr {Zímm§HŸ HwŸ_ma O¡Z, ímo aÜmmaHŸ {ZXoímHŸ Zo {XZm§HŸ 05.11.2013 go{ZXoímHŸ HŸm HŸm`m©b` NmoSm h¡

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

1. ls dr.HŸÊÊmZ, AÜ`úm Ed§ à~§Y [ZXoeHŸ

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

3. lr ~r.Eg.am_m amd, HŸm ©HŸmar {ZXoímHŸ

4. ls ds.HoŸ.MmonSm, [ZXoeHŸ

5. ls_Vs gw_m d_m©, [ZXoeHŸ

6. lr n«HŸmím M§Ð Zbdm`m, J¡a-A{ÜmHŸmar {ZXoímHŸ

7. ls ns. d¡ÚZmWZ, eo aYmaHŸ [ZXoeHŸ

8. ls_Vs ^maVs amd, eo aYmaHŸ [ZXoeHŸ

9. ls AemoHŸ JwßVm, J¡a A[YHŸmas [ZXoeHŸ

10. ls EM.hase ~ëbmb, A[YHŸmas HŸ_©Mmas [ZXoeHŸ

11. lr dmB©._wabrH¥ŸîÊmm, HŸm_Jma {ZXoímHŸ

Amämma

{ZXoímHŸ _§Sb, ~¢HŸ _| AnZo HŸm ©HŸmb HoŸ Xm¡amZ, lr EM.Eg.CnoÝÐ HŸm_VÛmam AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸr h¡{g`V go, lr gwaoím HŸm_V VÏmmlr {Zímm§HŸ HwŸ_ma O¡Z Ûmam {ZXoímHŸ HoŸ êŸn _| AnZr _yë`dmZ godmAmo| HŸrämy{a-ämy{a n«ím§gm HŸaVm h¡.

{ZXoeH$ _§S>b HoŸ {bE Am¡a CZH$r Amoa go,

n«YmZ H$m`m©b`, ~|Jbyé dr.HŸÊÊmZ{XZm§H$ : 06.05.2014 AÜ`j E§d n«~§Y {ZXoeH$

24

H$§nZr emgZ na {dO`m ~¡¢H$ H$o

{ZXoeH$ _§S>b H$s [anmoQ>© - 2013 - 14H§ŸnZr ímmgZ

1. n{aM`

ímmgZ g§{hVm ~¢HŸ HoŸ X¡Z§{XZ HŸm`moª HŸmo gúm_, Z¡{VHŸ VÏmm nmaXímr© g§MmbZ HŸr {Z{hV _yë` n«Êmmbr n{ab{úmV HŸaVr h¡, {OgHŸm na_ bú` h¡ J«mhHŸm|,ímo aÜmmaHŸm|, HŸ_©Mm{a`m|, Am_ OZVm, g§aúmHŸm|, gaHŸma VÏmm {d{Z`m_HŸm| g{hV gämr {hVÜmmaHŸm| HŸmo {ZînúmVm gw{Z{íMV HŸaVo hwE ímo aÜmmaHŸm| HŸr Am{ñV HŸmoA{ÜmHŸV_ HŸaZm. ~¢{H§ŸJ g§JRZm| _| gwÑT H§ŸnZr ímmgZ HŸm A{ñVËd CZHŸr gwMmêŸ HŸm ©n«Êmmbr VÏmm nyao ~¢{H§ŸJ V§Ím HŸr gwÑTVm HŸm ~w{Z`mX ~Z OmVm h¡ Am¡a{HŸgr ämr _mÍmm HoŸ {Z §ÍmÊm, HŸm ©-n«Êmmbr VÏmm Amngr g§~§Üm gwX¥T H§ŸnZr ímmgZ HŸmo n«{VñÏmm{nV Zht HŸa gHŸVo. ñQm°HŸ {d{Z_` HoŸ gmÏm gyMr~ÕVm g§~§ÜmrHŸama HŸr A{Zdm ©Vm VÏmm H§ŸnZr ímmgZ na Sm°.Jm§Jwbr g{_{V {anmoQ© HŸr {g\Ÿm{aímm| HoŸ AZwgma ämr ~¢HŸ H§ŸnZr ímmgZ HoŸ CÀMV_ _mZHŸ HŸr n«m{ßV HŸm n« mgHŸaVm h¡. ~¢HŸ Zo n«HŸQZ, nmaX{ím©Vm, HŸmamo~ma, AmMma Zr{V HoŸ g§Xäm© _| ~ohVa nÕ{V`m| HŸmo AnZm`m h¡ Omo {HŸ Bg _hmZ g§ñÏmm HoŸ {hVÜmmaHŸm| HoŸ dmñV{dHŸ_yë` HŸmo OmoSZo HŸr Amoa b{úmV h¡.

2. emgZ g§[hVm na ~¡¢H$ H$o${gÕm§V

~¡§HŸ HoŸ HŸmnmo©aoQ emgZ [gÕm§V eo a YmaHŸmo§ HŸs _yë`d¥[Õ hoVw HŸm © HŸaVo hwE ^s HŸmamo~ma n[aMmbZ _o§ CgHoŸ Z¡[VHŸ AmMaUmo§ HoŸ à[V nyU© à[V~ÕVm naAmYm[aV h¡. HŸmnmo©aoQ emgZ HŸm _Vb~ ~¡§HŸ HoŸ [Oå_oXma _yë`dY©HŸ à~§YZ VWm [Z §ÌU go h¡. ~¢HŸ HŸr Zr{V`m± d n«ÏmmE± Z HoŸdb g§d¡Ümm{ZHŸ AnoúmmAm| HoŸAZwêŸn h¡ ~{ëHŸ {hVÜmmaHŸm| HoŸ g§nyÊm© {hV _| HŸm_ HŸaZo HŸr h_mar n«{V~ÕVm na AmÜmm{aV h¡.

~¢HŸ HŸm {dídmg h¡ H§ŸnZr ímmgZ HoŸ gwX¥T {gÕm§V], g\ŸbVm HŸr n«_w»m Hw§ŸOr h¡. My§{HŸ o {hVÜmmaHŸm| HŸm {dídmg A{O©V HŸaZo HŸr úm_Vm HŸmo ~TmVr h§¡. ~¢HŸ,ímo aÜmmaHŸm| HŸr _yë` d¥{Õ hoVw HŸm © HŸaVo hwE HŸmamo~ma n{aMmbZ _| Z¡{VHŸ AmMaÊmm| HoŸ n«{V g§nyÊm© êŸn go n«{V~Õ h¡. h_ {dídmg HŸaVo h¢ {HŸ H§ŸnZr ímmgZ~¢HŸ HoŸ {Oå_oXma, _yë`dÜm©HŸ n«~§ÜmZ VÏmm {Z §V«Êm HoŸ gyMHŸ h¡. ~¢HŸ HŸr Zr{V`m§ d n«ÏmmE§ Z HoŸdb g§d¡Ümm{ZHŸ AnoúmmAm| HoŸ AZwêŸn h¡ ~{ëHŸ {hVÜmmaHŸm| HoŸg§nyÊm© {hV _| HŸm_ HŸaZo HŸr h_mar n«{V~ÕVm na AmÜmm{aV h¡.

h_mao ~¢HŸ HŸrŸ H§ŸnZr CËH¥ŸîRVm {ZåZ ~mVm| na AmÜmm{aV h¡ :

1. bmämn«X d¥{Õ CËnÝZ HŸaZm {Oggo Xr¿m©HŸm{bHŸ g\ŸbVm gw{Z{íMV HŸr Om gHoŸ. Bggo h_mao {hVÜmmaHŸm| HŸr g§n{ËV A{ÜmHŸm{ÜmHŸ ~TVr h¡.

2. CÀM ñVar` nmaX{ím©Vm Am¡a n«HŸQZ ñVa ~ZmE a»mVo hwE HŸmZyZ HŸm nmbZ HŸaZm.

3. kmZ VÏmm {dÛËVm HoŸ ZoQdH©Ÿ HoŸ êŸn _| HŸm © Xb HŸm AZwaúmÊm HŸaZm., »mwbm g§dmX,Amngr gå_mZ, ñnîQ bú` VÏmm {ZÊmm© HŸ ZoV¥Ëd, h_mar H§ŸnZrg§ñH¥Ÿ{V h¡.

4. EHŸ Eogm n«~§ÜmZ Omo »mwbm h¡, nmaXímr© h¡, g{HŸ« mË_HŸ, JwÊm AmÜmm{aV VÏmm númnmV _wŠV h¡ {Oggo g_mO HoŸ gämr dJmoª HŸmo C{MV Ý`m` gw{Z{íMV {HŸ`mOm gHoŸ.

5. HŸ_©Mm[a`mo§, JŒmhHŸmo§ Am¡a ì`mnHŸ ên go g_mO HoŸ [bE AZwHyŸb dmVmdaU HŸs KmofUm.

AV: ~¢HŸ AnZo ímo aÜmmaHŸm| HoŸ n«{V, AnZo AmnHŸmo Ý`mg _mZVm h¡ VÏmm ímo aÜmmaHŸm| HŸr g§n{ËV HŸmo g¥{OV HŸaZm d Cgo gwa{úmV a»mZm AnZr {µOå_oXmarg_ÂmVm h¡. ~¢HŸ Bgo n«ämmdr H§ŸnZr aÊmZr{V`m|, g{HŸ« mË_HŸ HŸmamo~ma `moOZmAm|, Zr{V`m| VÏmm n«{HŸ« mAm| HoŸ _mÜ`_ go AnZmVm h¡ {Oggo Z¡{VHŸ d d¡{ÜmHŸ{µOå_oXm{a`m| HŸr ny{V© HŸr Om gHoŸ.

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

HŸmnmo©aoQ HŸm`moª HoŸ _§Ìmb` Zo n[anÌ Omas HŸa eo aYmaHŸmo§ HŸmo dm[f©HŸ [dÎms` n[aUm_mo§ HŸs à[V`m§ g[hV XñVmdoµO/gyMZmE± Am[X m¡[VHŸ ên go oOZo HoŸ ~XboBbŠQ—m[ZHŸ ên _o§ ào[fV HŸaZo HoŸ g§~§Y _o§ ñnîQsHŸaU [X`m h¡. Bggo g_mO HŸmo, HŸmJO HŸs InV HŸ_ {HŸE OmZo go bm^ nhw±MoJm Am¡a ~Xbo _| Bggo d¥úmm|

25

HŸs aúmm hmoJr {Oggo {Za§Va h[aV dmVmdaU HŸm [Z_m©U hmo gHoŸJm. BbŠQ—m[ZHŸ _mÜ`_ go XñVmdoµO/gyMZmE± ào[fV HŸaZo go g_` na gyMZm nhw±MmZo VWm BZHoŸamñVo _o§ ZîQ hmoZo go ~MZo HŸmo ^s gw[Z[íÀmV [HŸ`m Om gHŸVm h¡. h_Zo AnZo g^s eo aYmaHŸmo§ go AZwamoY [HŸ`m h¡ [HŸ do AnZo B©-_ob nVm h_mao nmg n§OsH¥ŸVHŸadmE± Vm[HŸ h_ ^maV gaHŸma Ûmam ewé HŸs JB© h[aV nhb HŸm AZwnmbZ HŸa gHo§Ÿ.

3. [ZXoeH$ _§S>b

AÀNr HŸmnmo©aoQ àemgZ CÀM ñVa na [ZXoeHŸ _§Sb VWm CÀM à~§Y dJ© go ímwwêŸ hmoVm h¡ Omo [HŸ C[MV [ZU© boHŸa ~¡§HŸ HŸmo CËH¥ŸîQVm HoŸ CÀMV_ _mZHŸ àmßVHŸaZo hoVw _mJ©[ZXo©e àXmZ HŸaVo h¡§. ~¡§HŸ HoŸ _§Sb HŸm JRZ, ~¡§HŸHŸmas H§ŸnZs (CnHŒŸ_mo§ HŸm AO©Z d A§VaU) A[Y[Z`_, 1980 Am¡a amîQs`H¥ŸV ~¡§HŸ (à~§YZVWm [d[dY àmdYmZ) `moOZm, 1980 HoŸ AZwgma [HŸ`m J`m h¡.

3.1 `Ïmm {XZm§HŸ 31.03.2014 H$mo {ZXoeH$ _§S>b H$s g§aMZm

HŸm ©HŸmas 3

J¡a HŸm ©HŸmas 4

J¡a HŸm ©HŸmas ñdV§Ím 4

HwŸb 11

{ZXoeH$, ~¡¢H$ HoŸ {dHŸmg H$o$ {bE, AnZo d¡{dÜ` kmZ, AZw d Am¡a AnZo {d{eîQ> joÌm| _o| {deofkVm H$o$ gmW AnZm CËH¥$îQ> `moJXmZ XoVo aho h¢. _§S>b H$sg§aMZm, eo a ~mµOma _o| gyMr~Õ H$aZo g§~§Yr H$amaZm_o H$s AnojmAm| H$o$ AZwê$n h¡.

3.2 `Ïmm {XZm§HŸ 31.03.2014 H$mo {ZXoeH$ _§S>b H$s g§aMZm {ZåZmZwgma h¡ :

H«$_ g§. {ZXoímHŸ HŸm Zm_ nXZm_ {ZXoeH$-nX H$m ñdê$n nX g§ mbZoH$s VmarI

1. lr dr.HŸÊÊmZ AÜ`j Ed§ à~§Y {ZXoeH$$ HŸm ©nmbHŸ 01.01.2014

2. lr HoŸ.Ama.ímoÊm¡ H$m ©H$mar {ZXoeH$ HŸm ©nmbHŸ 18.06.2012

3. lr ~r.Eg.am_m amd H$m ©H$mar {ZXoeH$ HŸm ©nmbHŸ 27.09.2013

4. lr dr.HoŸ.MmonSµm gaH$mar Zm{_Vr J¡a - HŸm ©nmbHŸ 02.12.2011

5. lr_Vr gw_m d_m© ^maVr` [aOd© ~¡¢H$ Zm{_Vr J¡a - HŸm ©nmbHŸ 30.07.2010

6. lr nr.gr.Zbdm`m J¡a - A{ÜmHŸmar {ZXoímHŸ J¡a - HŸm ©nmbHŸ$ ñdV§Ím 20.05.2011

7. lr_Vr ämmaVr amd Zm{_Vr - eo aYmaH$ J¡a - HŸm ©nmbHŸ$ ñdV§Ím 08.08.2011

8. lr nr.d¡ÚZmÏmZ Zm{_Vr - eo aYmaH$ J¡a - HŸm ©nmbHŸ$ ñdV§Ím 08.08.2011

9. lr AímmoHŸ JwßVm J¡a - A{ÜmHŸmar {ZXoímHŸ J¡a - HŸm ©nmbHŸ$ ñdV§Ím 11.11.2011

10. lr EM.harím ~ëbmb A{ÜmHŸmar-HŸ_©Mmar {ZXoímHŸ J¡a - HŸm ©nmbHŸ 25.01.2012

11. lr dmB©._wabrH¥ŸîÊmm HŸm_Jma {ZXoímHŸ J¡a - HŸm ©nmbHŸ 02.11.2013

dîm© HoŸ Xm¡amZ {ZXoímHŸm| HŸr {Z w{ŠV/HŸm ©HŸmb HŸr g_m{ßV

lr dr.HŸÊÊmZ HŸmo {XZm§HŸ 01.01.2014 go AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m h¡.

lr EM.Eg.CnoÝÐ HŸm_V Zo A{Ümd{îm©Vm n«mßV HŸaZo na {XZm§HŸ 31.12.2013 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

lr ~r.Eg.am_m amd HŸmo {XZm§HŸ 27.09.2013 go HŸm ©HŸmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m h¡.

lr gwaoím HŸm_V, HŸm_Jma {ZXoímHŸ, {XZm§HŸ 01.11.2013 HŸmo CZHoŸ HŸm ©HŸmb HŸr g_m{ßV na ~¢HŸ HoŸ {ZXoímHŸ Zht aho.

26

lr dmB©._wabrH¥ŸîÊmm HŸmo {XZm§HŸ 02.11.2013 go HŸm_Jma HŸ_©Mmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m h¡.

lr EZ.HoŸ.O¡Z Zo {XZm§HŸ 05.11.2013 go Zm{_Vr ímo aÜmmaHŸ {ZXoímHŸ HŸm HŸm`m©b` NmoSm h¡.

3.3 df© 2013-14 H$o$ Xm¡amZ {Z wŠV {ZXoeH$m| HŸm n{aM`

Zm_ lr dr HŸÊÊmZ

OÝ_ {V{Ïm 25.12.1954

C_« 59 df©

Ah©Vm ~r.Eggr. (hmZg©), grEAmB©AmB©~r, HŸmamo~ma n«ímmgZ _| nr Or {Sßbmo_m

{ZXoímHŸ HoŸ êŸn _| {Z w{ŠV HŸm ñdêŸn AÜ`úm Ed§ n«~§Üm {ZXoímHŸ

lr dr.HŸÊÊmZ HŸmo, {X.22.08.2013 HŸr A{ÜmgyMZm g§.E\Ÿ.g§.4/4/2012-~rAmo.I HoŸ µO{aE~¢{H§ŸJ H§ŸnZr (CnHŸ«_m| HŸm AO©Z Ed§ A§VaÊm) A{Üm{Z`_, 1970/1980 HŸr Ümmam 9 HŸr Cn-Ümmam (3) HoŸ AÜmrZ ämmaV gaHŸma Ûmam ~¢HŸ HoŸ AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`mJ`m h¡.

AZw d lr dr.HŸÊÊmZ ~r.Eggr. (hmZg©) _| {SJ«r, grEAmB©AmB©~r, HŸmamo~ma n«ímmgZ _| nr Or {Sßbmo_mÜmmaHŸ h¡.

{d{ämÝZ úmoÍmm| _| HŸB© nwañHŸma VÏmm _mÝ`Vm HoŸ gmÏm-gmÏm CZHŸm 37 dîmmoª HŸm CËH¥ŸîQ ~¢{H§ŸJAZwämd h¡. BZHoŸ ~¢{H§ŸJ _| {dÛËVm, CÀM ì`mdgm{`HŸ AmoO VÏmm CËH¥ŸîR n«ímmg{ZHŸ HwŸímmJ«Vmhr {dO`m ~¢HŸ HoŸ AÜ`úm Ed§ n«~§Üm {ZXoímHŸ nX hm{gb HŸaZo HoŸ {bE ghm`HŸ ~Zm.

BÝhm|Zo {ZåZ g§ñÏmmAm| _| {ZXoímHŸ nX g§ämmb| -

ämmaVr` ñQoQ ~¢HŸ HoŸ AZwîm§Jr Eg~rAmB© ½bmo~b \¡ŸŠQg© {b. HoŸ _§Sb _| 2007-2010 VHŸ HŸrAd{Üm HoŸ {bE Zm{_Vr {ZXoímHŸ HŸr h¡{g`V go.

AJñV 2012 go {Xg§~a 2013 VHŸ HoŸZam EMEg~rgr, Amo~rgr bmB\Ÿ B§í ya|g H§Ÿ. HoŸ _§Sb_| {ZXoímHŸ aho.

BÝhm|Zo ämmaV VÏmm {dXoím _| {d{ämÝZ n«{ímúmÊm HŸm ©HŸ«_m| _| ämmJ {b`m, {ZHŸQ nyd© _| CÝhm|Zo{Xëbr {ñÏmV AmB©E_AmB©,Ûmam {Xëbr VÏmm yamon _| \Ÿadar 2012 _| Am`mo{OV ES²dmÝñS_¡ZoO_|Q n«moJ«m_ _| ämmJ {b`m. BÝhm|Zo ämmaV VÏmm {dXoím _| n«{V{îRV amîQ—r` g§ñÏmmAm| _| {d{ämÝZn«{ímúmÊm HŸm ©HŸ«_ VÏmm go{_Zmam| _| ämr ämmJ {b`m h¡.

Zm_ ~r Eg am_m amd

OÝ_ {V{Ïm 22.01.1958

C_« 56 df©Ah©Vm E_.E. (AÏm©ímmñÌ), OoEAmB©AmB©~r{ZXoímHŸ HoŸ êŸn _| {Z w{ŠV HŸm ñdêŸn HŸm ©HŸmar {ZXoímHŸ

lr ~r.Eg.am_m amd HŸmo, {X.27.09.2013 HŸr A{ÜmgyMZm g§.E\Ÿ.g§.4/5/2012-~rAmo.IHoŸ µO{aE amîQ—r`H¥ŸV ~¢HŸm| (n«~§ÜmZ VÏmm {d{dÜm n«mdÜmmZ) moOZm, 1970/1980 HoŸ »m§S 3 HoŸCn-»m§S (1) VÏmm »m§S 8 HoŸ Cn-»m§S (1) HoŸ gmÏm n{RV ~¢{H§ŸJ H§ŸnZr (CnHŸ«_m| HŸm AO©ZEd§ A§VaÊm) A{Üm{Z`_, 1970/1980 HŸr Ümmam 9 HŸr Cn-Ümmam (3) HoŸ AÜmrZ ämmaV gaHŸmaÛmam ~¢HŸ HoŸ HŸm ©HŸmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m h¡.

27

AZw d lr ~r.Eg.am_m amd Zo Amoñ_m{Z`m {díd{dÚmb` go AÏm©ímmñÌ _| ñZmVHŸmoËVa Cnm{Üm hm{gbHŸr h¡ d OoEAmB©AmB©~r narúmm ämr CËVrÊm© {HŸ`m h¡. hm{gb {HŸE. BÝhm|Zo dîm© 1978 _|n{adrúmmÜmrZ A{ÜmHŸmar HoŸ êŸn _| AnZm HŸm © ímwêŸ {HŸ`m VÏmm bJämJ 35 dîm© Xoím HoŸ AbJ-AbJ ämmJm| _| {d{ämÝZ h¡{g`Vm| go Am§Ü«mm ~¢HŸ _| godmaV Ïmo VÏmm 01.12.2010 go Am§Ü«mm ~¢HŸ_| _hm n«~§ÜmHŸ HoŸ êŸn _| nXmoÝZV hwE. BZHŸrŸ Cnb{ãÜm`m| HŸr nhMmZ HoŸ êŸn _| lr ~r.Eg.am_mamd h_mao ~¢HŸ HoŸ HŸm ©HŸmar {ZXoímHŸ nX _| nXmoÝZV hwE.

BZHoŸ CËH¥ŸîQ ~¢{H§ŸJ d¥{ËV _| BÝhm|Zo ämmaV VÏmm {dXoím XmoZm| _|Ÿ {d{ämÝZ go{_Zmam|/gå_obZm| _|ämmJ {b`m. BÝhm|Zo dgybr, n«mÏm{_HŸVm úmoÍm, ì`mnmar ~¢{H§ŸJ, bo»mmnarúmm VÏmm {ZarúmÊm O¡goúmoÍmm| _| {d{ämÝZ h¡{g`Vm| _| HŸm © {HŸ`m h¡ VÏmm ~¢{H§ŸJ HoŸ {d{ämÝZ úmoÍmm| _| ì`mdgm{`HŸ ~¢HŸa HoŸêŸn _| n«Mwa VÏmm ì`mnHŸ AZwämd bmE h¢o.

Zm_ dmB©. _wabrH¥ŸîÊmm

OÝ_ {V{Ïm 15.03.1959

C_« 55 df©

Ah©Vm ~r.HŸm°_.

{ZXoímHŸ HoŸ êŸn _| {Z w{ŠV HŸm ñdêŸn HŸm_Jma HŸ_©Mmar {ZXoímHŸ

lr dmB©._wabrH¥ŸîÊmm HŸmo, {X.16.08.2013 HŸr A{ÜmgyMZm g§.E\Ÿ.g§.6/10/2013-~rAmo-IHoŸ µO{aE amîQ—r`H¥ŸV ~¢HŸm| (n«~§ÜmZ VÏmm {d{dÜm n«mdÜmmZ) `moOZm HoŸ »m§S 9 HoŸ Cn-»m§S (1)VÏmm (2) HoŸ gmÏm n{RV ~¢{H§ŸJ H§ŸnZr (CnHŸ«_m| HŸm AO©Z Ed§ A§VaÊm) A{Üm{Z`_, 1970/1980 HŸr Ümmam 9 HŸr Cn-Ümmam 3 HoŸ AÜmrZ ämmaV gaHŸma Ûmam ~¢HŸ HoŸ HŸm_Jma HŸ_©Mmar {ZXoímHŸHoŸ êŸn _| {Z wŠV {HŸ`m J`m h¡.

AZw d lr dmB©._wabrH¥ŸîÊmm Zo {dO`m ~¢HŸ _| {XZm§HŸ 12.05.1982 _| {b{nHŸ HoŸ êŸn _| HŸm ©J«hÊm{HŸ`m VÏmm úmoÍmr` HŸm`m©b`, {dO`dmSm VÏmm {dO`dmSm ímm»mm _| godm HŸr h¡. do {dÚmÏmr©y{Z`Z HoŸ g{HŸ« ZoVm aho h¢. BÝhm|Zo AnZo HŸm°boO HoŸ {XZm| _| hr _OXya g§¿m HŸr {dMmaÜmmam,

AmXím© VÏmm {dídmg n«mßV {HŸ`m VÏmm dr~rSãë yAmo d EAmB©~rB©E HoŸ {HŸ« mHŸbmnm| _| é{M brVÏmm g{HŸ« êŸn go HŸm © {HŸ`m VÏmm dr~rSãë yAmo HoŸ úmoÍmr` ZoVm ~Zo. do {d{ämÝZ h¡{g`Vm| godr~rSãë yAmo HoŸ H|ŸÐr` nXÜmmar ah| VÏmm {\Ÿëhmb {dO`m ~¢HŸ dH©Ÿg© Am°J©ZmBOoímZ HoŸ Cn _hmg{Md h¡§.

3.4 _§S>b H$s ~¡R>H|$ :

g_rjmYrZ df© H$o$ Xm¡amZ, ZrMo Cpëb{IV VmarIm| H$mo _§S>b H$s 16 ~¡R>H|$ hþBª, O~ {H$$ amîQ>´>r`H¥$V ~¡¢H$$(à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1980Ho$ I§S> 12 H$o$ A§VJ©V 6 ~¡R>H| ~wbmB© OmZr Wr.

25.04.2013 26.04.2013 07.06.2013 28.06.2013 28.07.2013 29.07.2013 26.08.2013 14.09.2013

23.10.2013 11.11.2013 28.12.2013 17.01.2014 03.02.2014 19.02.2014 10.03.2014 24.03.2014

_§Sb HŸr Cn w©ŠV ~¡RHŸm| HoŸ A{V{aŠV ~¢HŸ Zo {dËV _§Ímmb` HoŸ nÍm {XZm§HŸ 10.07.2012 HoŸ {ZXoímm| HoŸ AZwêŸn n«Ë oHŸ {V_mhr HoŸ {bE _§Sb HŸr 4 {dímoîm~¡RHŸm| HŸm Am`moOZ n«_w»m Zr{V VÏmm aÊmZr{V wŠV _wÔm| na {dMma-{d_ím© HŸaZo HoŸ {bE {HŸ`m h¡.

25.04.2013 28.07.2013 23.10.2013 17.01.2014

{ZXoeH$m| H$o$ g§~§{YV H$m ©H$mb H$o$Xm¡amZ hþBª _§S>b H$s ~¡R>H$m| _| CZH$s CnpñW{V H$o$ã`m¡ao ZrMo àñVwV h¡ :

28

3.5. _§S>b H$s ~¡R>H$m| _o| {ZXoeH$m| H$s CnpñW{V H$o$ã`m¡ao

Sl. [ZXoeH$ H$m Zm_ Ad{Y BZH$o$ H$m ©H$mb _| hþB© ~¡R>H$m| {H$VZr ~¡R>>H$m| {nN>br dm[f©H$H$s g§»`m _| mJ {b`m gm_mÝ` ~¡R>H$

_| CnpñW{V

1 lr dr HŸÊÊmZ *1 01.01.2014 - 31.03.2014 6 6 bmJy Zht

2 ls EM Eg CnoÝÐ HŸm_V*2 01.04.2013 - 31.12.2013 14 14 hm§

3 lr HoŸ.Ama.ímoÊm¡ 01.04.2013 - 31.03.2014 20 20 hm§

4 lr ~r.Eg.am_m amd *3 27.09.2013 - 31.03.2014 10 10 bmJy Zht

5 ls ds HoŸ MmonSm 01.04.2013 - 31.03.2014 20 19 Zht

6 ls_Vs gw_m d_m© 01.04.2013 - 31.03.2014 20 18 Zht

7 ls gwaoe HŸm_V*4 01.04.2013 - 01.11.2013 12 12 Zht

8 ls nr.gr. Zbdm`m 01.04.2013 - 31.03.2014 20 20 hm§

9 ls_Vs ^maVs amd 01.04.2013 - 31.03.2014 20 17 hm§

10 ls EZ HoŸ O¡Z*5 01.04.2012 - 05.11.2013 12 10 hm§

11 ls ns d¡ÚZmWZ 01.04.2013 - 31.03.2014 20 16 Zht

12 ls AemoHŸ JwßVm 01.04.2013 - 31.03.2014 20 14 hm§

13 ls EM. hase ~ëbmb 01.04.2013 - 31.03.2014 20 20 hm§

14 lr dmB©._wabrH¥ŸîÊmm *6 02.11.2013 - 31.03.2014 8 8 bmJy Zht

*1 lr dr.HŸÊÊmZ HŸmo {XZm§HŸ 01.01.2014 go AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.*2 lr EM.Eg.CnoÝÐ HŸm_V Zo A{Ümd{îm©Vm n«mßV HŸaZo na {XZm§HŸ 31.12.2013 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm HŸm`m©b` NmoSm.*3 lr ~r.Eg.am_m amd HŸmo {XZm§HŸ 27.09.2013 go HŸm ©HŸmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.*4 lr gwaoím HŸm_V, HŸm_Jma {ZXoímHŸ {XZm§HŸ 01.11.2013 HŸmo CZHoŸ HŸm ©HŸmb g_m{ßV na ~¢HŸ HoŸ {ZXoímHŸ Zht ah|.*5 lr EZ.HoŸ.O¡Z Zo {XZm§HŸ 05.11.2013 go Zm{_Vr ímo aÜmmaHŸ {ZXoímHŸ HŸm HŸm`m©b` NmoSm.*6 lr dmB©._wabrH¥ŸîÊmm HŸmo {XZm§HŸ 02.11.2013 go HŸm_Jma HŸ_©Mmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.

4. _§S>b H$s g{_{V`m§ :EgB©~rAmB©, ^m.[a.~¡¢. Am¡a {dËV _§Ímmb` H$s AnojmAm|/{ZXoímm| H$o$AZwê$n, _§S>b Zo {ZXoeH$m| H$s ZrMo Cpëb{IV g{_{V`mo| H$m JR>Z {H$`m h¡. og{_{V`m§, CZH$mo gm¢no JE H$m_ H$o$ AYrZ AmZodmbr J{V{d{Y`m| na Am¡a {ZÜmm©{aV _mJ©{ZX}em| H$o$AZwgma {d{ímîQ d gH|Ÿ{ÐV ímmgZ n«XmZ HŸaVr h¡ :

1. à~§§Y g{_{V 9. J«mhH$ godm g{_{V2. boImnarjm g{_{V 10. nm[al{_H$ g{_{V3. eo aYmaH$/{ZdoeH$Vm© {eH$m`V g{_{V 11. Zm_m§HŸZ g{_{V4. eo a A§VaU g{_{V 12. ímo aÜmmaHŸ {ZXoímHŸm| HoŸ MwZmd _| Cå_rXdma HŸmo g_Ïm©Z XoZo

na {ZÊm© boZo HŸr g{_{V5. Omo{I_ à~§§YZ g{_{V 13. gy.n«m¡. ñQr`{a§J g{_{V6. CÀM _yë` Ümmo»mmÜmSr HŸr g_rúmm hoVw g{_{V 14. dgybr {ZJamZr hoVw g{_{V7. n«ÜmmZ HŸm`m©b` ñVa HŸr FÊm AZw_moXZ g{_{V 15. n«ímmg{ZHŸ n«m{ÜmHŸmar HoŸ êŸn _| AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ A§{V_ AmXoímm| HoŸ

n«{V HŸ_©Mmar Ûmam {XE JE Anrb na {dMma HŸaZo hoVw g{_{V8. {ZXoímHŸm| HŸr nXmoÝZ{V g{_{V 16. Am~§QZ g{_{V

29

4.1 _§S>b H$s à~§§Y g{_{V :{dËV _§Ìmb`, ^maV gaH$ma H$o$ {ZXoem| H$o$ gmW n[R>V amîQ>´>r`H¥$V ~¢H$ (à~§YZ Am¡a {d{dY àmdYmZ) `moOZm, 1980 H$o$ I§S> - 13 H$m AZwgaU H$aVohþE _§S>b H$s à~§Y g{_{V H$m JR>Z {H$`m J`m h¡. _§S>b H$s à~§Y g{_{V H$o$ JR>Z H$m CX²Xoí` h¡, VmpËdH$ X¥pîQ> go _hËdnyU© H$mamo~ma g§~§§Yr {d{^Þ _m_bm|na {dMma H$aZm O¡go; ZB© O_m `moOZmE§ ewê$ H$aZo, gr_mAmo| H$s _§Oyar Mmho {Z{Y AmYm[aV hmo `m {Z{Y oVa AmY[aV hmo, g_Pm¡Vm/~Q²>Qo ImVo S>mbZo,ny§OrJV Am¡a amOñd IM© H$s _§Oyar, n[aga, {Zdoe, XmZ Am{X H$o$ {bE AZw_moXZ àmá H$aZm. g{_{V CZ A{YH$mam| H$m à`moJ H$aVr h¡ {Ogo, H|$Ð gaH$maH$o$ AZw_moXZ go Am¡a ^maVr` [aOd© ~¡¢H$ H$s gh_{V go Cgo _§S>b Ûmam {X`m OmE.g_rjmYrZ df© H$o$ Xm¡amZ, _§S>b H$s à~§§Y g{_{V (E_gr~r) H$s 15 ~¡¡R>H|$ hþBª. df© H$o$ Xm¡amZ hþBª, E_gr~r H$s ~¡R>H$m| H$o$ ã`m¡ao Am¡a {ZXoeH$ gXñ`m| H$sCnpñW{V H$o$ ã`m¡ao ZrMo {XE JE h¢ :

25.04.2013 07.06.2013 28.06.2013 28.07.2013 26.08.2013 16.09.2013 22.10.2013 11.11.2013

12.12.2013 28.12.2013 17.01.2014 03.02.2014 19.02.2014 10.03.2014 24.03.2014

4.1.1 E_gr~r H$s ~¡R>H$m| _o| {ZXoeH$m| H$s CnpñW{V H$o$ ã`m¡aoHŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 5 5

AÜ`úm Ed§ à~§Y [ZXoeHŸ2. ls EM Eg CnoÝÐ HŸm_V *2 AÜ`úm 01.04.2013 - 31.12.2013 10 10

AÜ`úm Ed§ à~§Y [ZXoeHŸ3. lr HoŸ.Ama.ímoÊm¡ HŸm ©HŸmar 01.04.2013 - 31.03.2014 15 14

HŸm ©HŸmas [ZXoeH {ZXoímHŸ4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmar 27.09.2013 - 31.03.2014 9 8

HŸm ©HŸmas [ZXoeH {ZXoímHŸ5. ls_Vs gw_m d_m© gXñ` 01.04.2013 - 31.03.2014 15 14

ämm.{a.~¢. Zm{_Vr {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

6. lr ns.gs.Zbdm`m gXñ` 01.04.2013 - 31.03.2014 15 14J¡a-A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

7. lr gwaoe HŸm_V *4 gXñ` 01.04.2013 - 20.09.2013 6 6HŸm_Jma [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

8. ls AemoHŸ JwßVm 01.04.2013 - 20.09.2013 dJ¡a-HŸm ©HŸmas [ZXoeHŸ - gXñ` 21.03.2014 - 31.03.2014 7 5J¡a-HŸm ©nmbHŸ

9. lr EM hase ~ëbmb gXñ` 01.04.2013 - 20.09.2013 dA[YHŸmas HŸ_©Mmas [ZXoeHŸ - 21.03.2014 - 31.03.2014 7 7J¡a-HŸm ©nmbHŸ

10. ls_Vs ^maVs amd gXñ` 21.09.2013 - 20.03.2014 8 5eo a YmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

11. lr EZ.HoŸ. O¡Z *5 gXñ` 21.09.2013 - 05.11.2013 1 1eo a YmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

12. lr ns d¡ÚZmWZ gXñ` 21.09.2013 - 20.03.2014 8 8eo aYmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

13. lr dmB©._wabrH¥ŸîÊmm *6 gXñ` 28.12.2013 - 31.03.2014 6 6HŸm_Jma {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

30

*1 lr dr.HŸÊÊmZ HŸmo {XZm§HŸ 01.01.2014 go AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.

*2 lr EM.Eg.CnoÝÐ HŸm_V Zo A{Ümd{îm©Vm n«mßV HŸaZo na {XZm§HŸ 31.12.2013 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

*3 lr ~r.Eg.am_m amd HŸmo {XZm§HŸ 27.09.2013 go HŸm ©HŸmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.

*4 lr gwaoím HŸm_V, HŸm_Jma {ZXoímHŸ {XZm§HŸ 01.11.2013 HŸmo CZHoŸ HŸm ©HŸmb HŸr g_m{ßV na ~¢HŸ HoŸ {ZXoímHŸ Zht ah|.

*5 lr EZ.HoŸ.O¡Z Zo {XZm§HŸ 05.11.2013 go Zm{_Vr ímo aÜmmaHŸ {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

*6 lr dmB©._wabrH¥ŸîÊmm HŸmo {XZm§HŸ 02.11.2013 go HŸm_Jma HŸ_©Mmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.

4.2 {ZXoeH$m| H$s boImnarjm g{_{V

^maVr` [aOd© ~¢H$ H$o$ {ZXoem|, H§$nZr A{Y{Z`_, 1956 H$o$ àmdYmZm| Am¡a gyMr ~ZmZo g§~§Yr H$amaZm_m| H$o$AZwgma, _§S>b H$s boImnarúmm g{_{V(Egr~r) H$m JR>Z {H$`m OmVm h¡ Am¡a CgH$o$ H$m_H$mO V` {H$E OmVo h¢. Egr~r, ~¡¢H$$ _| boIm narjm go g§~§{YV g~ àH$ma H$o$H$m_H$mO H$o$g§~§§Y _o| {ZX}eXoVr h¡. Bg_| em{_b h¢; ~¡¢H$ H$o$A§Xa Am§V[aH$ boIm narjm Am¡a {ZarjU H$m g§JR>ZmË_H$ Am¡a JwUdËVm {Z §ÌU Am¡a ~¢H$ H$s gm§{d{YH$/~mh² boImnarjm VWm ^maVr` [aOd© ~¢H$ H$o$ {ZarjU H$m AZwdV©Z.H§ŸnZr HoŸ gämr gXñ`m| HŸmo {dÎm HŸm AÀNm kmZ h¡.

boImnarjm g{_{V H$o$ H$m_H$mO Bg àH$ma h¢ :

l ~¡¢H$ H$s {dËVr` [anmoQ>© à{H«$`m na {ZJamZr aIZm VWm {dËVr` OmZH$mar ghr, n`m©á Am¡a {dídgZr` àH$Q>Z gw{ZpíMV H$aZm;

l à~§Y dJ© H$o$ gmW, {V_mhr {dËVr` {ddaUm| H$s g_rjm H$aZm Am¡a Bg {gb{gbo _| BZ ~mVm| na Img ~b XoZm O¡go; boIm Zr{V`m§ Am¡a n[anmQ>r,{dËVr` {ddaUm| go g§~§{YV boIm _mZH$m| Am¡a AÝ` H$mZyZr AnojmAm| H$m nmbZ H$aZm, boIm narjm _| {Z{X©îQ> AnojmAm| H$s ny{V© H$aZm, {dËVr`g§ñWmAm|, g§~§{YV nmQ>r© H$o$ boZ-XoZ Am{X H$o$ ~mao _| eo a ~mOma H$o$ _mJ©{ZX}em| Am¡a H$mZyZr AnojmAm| H$s ny{V© H$aZm.

l CZ _m_bm| _|, Ohm§ YmoImYS>r H$m eH$ hmo AWdm A{Z`{_Vm `m Am§V{aH {Z §ÌU nÕ{V`m| H$s ZmH$m_r ZOa AmE, Am§V[aH$ boIm narjH$m| ÛmamH$s JB© Om§M H$o$ {ZîH$fm}§ H$s g_rjm H$aZm VWm {Z §ÌU V§Ì _O~yV H$aZo H$o$ {bE gwPmd XoZm.

l dm{f©H$/AY©-dm{f©H$ Am¡a {V_mhr ImVm| Am¡a [anmoQ>m}§ HoŸ A§{V_ ê$n go nhbo H|$Ðr` gm§{d{YH$ boIm narjH$m| H$o$gmW {dMma- {d_e© H$aZm Am¡aImgH$a boIm Zr{V`m| Am¡a n[anm{Q>`m| Ed§ boIm narjm [anmoQ>© H$o$ àmê$n _o| n[adV©Zmo§ na Img Ü`mZ XoZm.

l O_mH$Vm©Am|, eo aYmaH$m|, {S~o|Ma YmaH$m| Am¡a boZXmam|, H$mo {H$E OmZodmbo wJVmZ _| H$m\$s hX VH$ `{X H$moB© MyH$ hþB© hmo Vmo CgH$s dOh OmZZm.

l n«~§Üm dJ© HoŸ gmÏm gm§{d{ÜmHŸ d Am§V{aHŸ bo»mm narúmHŸm| HŸm HŸm © {ZînmXZ Am¡a Am§V{aHŸ {Z §ÍmÊm nÕ{V`m| HŸr n`m©ßVVm HŸr g_rúmm, {HŸgr _hËdnyÊm©{ZîHŸîmmoª na Am§V{aHŸ bo»mm narúmHŸm| go MMm© d Cg na AZwdV©Z.

l `h g{_{V ImgH$a BZH$o$ AZwdV©Z na Ü`mZ XoVr h¡:

H$) A§Va emIm g_m`moOZ ImVo

I) A§Va emIm ImVm| Am¡a ZmoñQ>´>mo ImVm| _| H$m\$s b§~o g_` go {_bmZ Z H$s JBª à{dpîQ>`m§

J) {d{^Þ emImAm| _| ~HŸm`m nS>m ~{h`m| H$m g§VwbZ H$m ©

K) YmoImYS>r

L>) Am§V[aH$ boIm H$m © H$o$ à_wI joÌ

~¡¢H$ Zo, H§$nZr emgZ H$o$ ~w{Z`mXr VËdm| H$s H$Ð H$aVo hþE Am¡a maVr` [aOd© ~¡¢H$ H$o${ZXoem| H$m AZwgaU H$aVo hþE, _§S>b H$s boIm narjm g{_{V H$m JR>Z{H$`m h¡ {Og_| 5 {ZXoeH$ h¢ {OgH$o$ AÜ`j H$o$ ê$n _| {dÎm H$s OmZH$mar aIZodmbo J¡a-H$m ©nmbH$ ñdV§Ì {ZXoeH$ h§¡.

31

^m.[a.~¡¢. H$s AnojmZwgma, boImnarjm g{_{V H$s ~¡RH|Ÿ gm_mÝ`V : {V_mhr _| H$_ go H$_ EH$ ~ma Am¡a df© _| H$_ go H$_ N: ~ma ~wbm`r OmZr Mm{hE.df© HoŸ Xm¡amZ boImnarjm g{_{V H$s ZrMo Cpëb{IV VmarIm| H$mo 13 ~¡¡R>H|$ hþBª.

25.04.2013 26.04.2013 21.06.2013 28.07.2013 29.07.2013 26.08.2013 22.10.2013

11.11.2013 13.12.2013 28.12.2013 03.02.2014 19.02.2014 24.03.2014

4.2.1. Egr~r ~¡R>H$m| _| {ZXoeH$m| H$s CnpñW{V H$o$ ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V 1. ls ns gs Zbdm`m AÜ`úm 01.04.2013 - 31.03.2014 13 13

J¡a-A{ÜmHŸmar [ZXoeHŸ -J¡a-HŸm ©HŸmas (gZXr bo»mmHŸma)

2. lr HoŸ.Ama.ímoÊm¡ HŸm ©HŸmarHŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 01.04.2013 - 31.03.2014 13 12

3. lr ~r.Eg.am_m amd *1 HŸm ©HŸmarHŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 27.09.2013 - 31.03.2014 7 6

4. ls ds HoŸ MmonSmämmaV gaHŸma Zm{_Vr -J¡a-HŸm ©nmbHŸ gXñ` 01.04.2013 - 31.03.2014 13 13

5. lr_Vr gw_m d_m©ämm.{a.~¢. Zm{_Vr -J¡a-HŸm ©nmbHŸ gXñ` 01.04.2013 - 31.03.2014 13 13

6. ls_Vs ^maVs amdeo a YmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ gXñ` 01.04.2013 - 16.03.2014 12 9

7. lr ns d¡ÚZmWZeo aYmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ gXñ` 17.03.2014 - 31.03.2014 1 1


4.3 eo aYmaH$/{ZdoeH$Vm© {eH$m`V g{_{V

~¡§H$ Zo, eo aYmaH$m| Am¡a {ZdoeH$Vm©Am| H$s, CZH$s é{M go OwSo hþE _m_bm| na {eH$m`Vm| H$m {ZdmaU H$aZo H$o$ BamXo go, eo aYmaH$/ {ZdoeH$Vm© {eH$m`Vg{_{V H$m JR>Z {H$`m h¡.

`h g{_{V, eo am| H$o$ A§VaU, àofU, ~¡¢H$ Ûmam Omar eo am| H$mo »m§{SV H$aZo Am¡a g_o{H$V H$aZo VWm eo aYmaH$m| H$s {H$gr AÝ` {eH$m`Vm| na {ZJamZraIVr h¡. AmJo, `h g{_{V {ZdoeH$Vm©Am| H$s {eH$m`Vm| H$o$ {ZdmaU na g_`~Õ T>§J go {ZJamZr aIVr h¡.

g_rjmYrZ df© H$o$ Xm¡amZ, g{_{V H$s ZrMo Cpëb{IV VmarIm| H$mo 4 ~¡R>H|$ hþB©§ :

25.04.2013 28.07.2013 22.10.2013 17.01.2014

32

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V 1. lr ns.d¡ÚZmWZ AÜ`úm 01.04.2013 - 31.03.2014 4 3

eo a YmaHŸ [ZXoeHŸ 2. lr HoŸ.Ama.ímoÊm¡ HŸm ©HŸmar 01.04.2013 - 31.03.2014 4 4

HŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 3. lr ~r.Eg.am_m amd *1 HŸm ©HŸmar 27.09.2013 - 31.03.2014 2 1

HŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 4. ls_Vr ämmaVr amd gXñ` 01.04.2013 - 31.03.2014 4 3

ímo aÜmmaHŸ [ZXoeHŸ 5. ls EZ.HoŸ.O¡Z *2 gXñ` 01.04.2013 - 05.11.2013 3 2

eo a YmaHŸ [ZXoeHŸ 6. ls EM. hase ~ëbmb gXñ` 01.04.2013 - 20.09.2013 2 2

A[YHŸmas HŸ_©Mmas [ZXoeHŸ 7. ls AemoHŸ JwßVm gXñ` 21.09.2013 - 31.03.2014 2 1

J¡a-HŸm ©HŸmas [ZXoeHŸ - J¡a-HŸm ©HŸmas 8. lr ns.gs.Zbdm`m gXñ` 28.12.2013 - 31.03.2014 1 1

J¡a-A{ÜmHŸmar {ZXoímHŸ - J¡a-HŸm ©HŸmas

*1 lr ~r.Eg.am_m amd HŸmo {XZm§HŸ 27.09.2013 go HŸm ©HŸmar {ZXoímHŸ HoŸ êŸn _| {Z wŠV {HŸ`m J`m.*2 lr EZ.HoŸ.O¡Z Zo {XZm§HŸ 05.11.2013 go Zm{_Vr ímo aÜmmaHŸ {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

lr_Vr HoŸ.aoÊmw, H§ŸnZr g{Md ämmaVr` n«{Vämy{V Ed§ {d{Z_` _§Sb HoŸ {d{ämÝZ n«mdÜmmZm| HŸm AZwnmbZ HŸaZo HoŸ CÔoí` go, ímo a ~mOma HoŸ gmÏm HŸama gyMr~ÕHŸamZo, H§Ÿn{Z`m| HoŸ a{OñQ—ma VÏmm ímo a A§VaÊm n«{HŸ« m HŸr {ZJamZr HoŸ {bE AZwnmbZ A{ÜmHŸmar HoŸ êŸn _| HŸm © HŸa ahr h¢.

4.4. eo a A§VaU g{_{Veo aYmaH$m|/ {ZdoeH$Vm©Am| HŸr {ímHŸm`Vm| go g§~§{YV {ZXoeH$m| H$s Cn-g{_{V H$o$Abmdm, ~¡¢H$ Zo, {ZXoeH$m| H$s eo a A§VaU g{_{V H$m JR>Z {H$`m h¡{OgH$o$gXñ`m| H$o$ ê$n _| AÜ`j Ed§ à~§Y {ZXoeH$ AWdm H$m ©H$mar {ZXoeH$ (AÜ`j Ed§ à~§§Y {ZXoeH$ H$s AZwnpñW{V _|) Am¡a Xmo J¡a-gaH$mar {ZXoeH$h¢. g_rjmYrZ Ad{Üm H$o$ Xm¡amZ g{_{V HŸr 9 ~¡¡R>H|$ hþBª, {OZH$o$ ã`m¡ao {ZåZmZwgma h¢. BgH$o$ Abmdm HwŸN ímo a A§VaÊmm| HŸr HŸm ©gy{M`m§ g{_{V H$mo n[aMm{bVHŸaH$o$AZw_moo{XV HŸadm`m {b`m J`m d ~mX _o| [Z`{_V ~¡RHŸm| _| BÝh| AZw_mo{XV d AZwg_{W©V HŸam {b`m J`m.

25.04.2013 07.06.2013 28.06.2013 28.07.2013 26.08.2013 22.10.2013 12.12.2013 17.01.2014 10.03.2014

4.4.1 eo a A§VaU g{_{V _o| {ZXoeH$m| H$s CnpñW{V H$o$ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 2 2


AÜ`úm Ed§ à~§Y [ZXoeHŸ3. ls gwaoe HŸm_V *3 gXñ` 01.04.2013 - 20.09.2013 5 5

HŸm_Jma [ZXoeHŸ4. lr nr.d¡ÚZmÏmZ gXñ` 01.04.2013 - 20.09.2013 5 3

eo aYmaHŸ [ZXoeHŸ5. ls_Vr ämmaVr amd gXñ` 21.09.2013 - 31.03.2014 4 2

ímo aÜmmaHŸ [ZXoeHŸ6. ls EM. hase ~ëbmb gXñ` 21.09.2013 - 31.03.2014 4 4

A[YHŸmas HŸ_©Mmas [ZXoeHŸ

4.3.1. eo aYmaH$/{ZdoeH$Vm© {eH$m`V g{_{V H$o${ZXoeH$m| H$s CnpñW{V H$o$ã`m¡ao :

33


*2 lr EM.Eg.CnoÝÐ HŸm_V Zo A{Ümd{îm©Vm n«mßV HŸaZo na {XZm§HŸ 31.12.2013 HŸmo AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm HŸm`m©b` NmoSm.*3 lr gwaoím HŸm_V, HŸm_Jma {ZXoímHŸ {XZm§HŸ 01.11.2013 HŸmo CZHoŸ HŸm ©HŸmb HŸr g_m{ßV na ~¢HŸ HoŸ {ZXoímHŸ Zht ah|.

4.5. Omo{I_ à~§YZ g{_{VSm°.Jm§Jwbr g{_{V HŸr {g\Ÿm{aímm| HoŸ AZwgma, ~¢HŸ HŸr Omo{»m_ n«~§ÜmZ Zr{V Am¡a EHŸrH¥ŸV Omo{»m_ n«~§ÜmZ HoŸ {bE aÊm Zr{V ~ZmZo d ~¢HŸ _| {d{ämÝZ Omo{»m_n«~§ÜmZ g{_{V`m| HoŸ gmÏm g_Ýd` HŸaZo HoŸ {bE ~¢HŸ Zo 23.07.2003 HŸmo Omo{»m_ n«~§ÜmZ g{_{V HŸm JRZ {HŸ`m.g{_{V H$o$ H$m_H$mO :1. Omo{I_ à~§YZ Zr{V Am¡a EH$sH¥$V Omo{I_ à~§YZ H$o$ {bE aUZr{V ~ZmZm VWm ~¡¢H$ _o| {d{^Þ Omo{I_ à~§YZ g{_{V`m| H$o$gmW g_Ýd` H$aZm.2. Omo{I_ H$mo _mnZo H$o$ {bE Zr{V`m§ Am¡a _mJ©{ZX}e ~ZmZm.3. Omo{I_ H$o$ g_ñV joÌm| _| à~§YZ Am¡a {anmo{QªJ.4. `h gw{ZpíMV H$aZm {H$$Omo{I_ à~§YZ à{H«$`m (bmoJmo||, nÕ{V`m|, n[aMmbZ, gr_mAm| Am¡a {Z §ÌUm| g[hV) go ~¢H$ H$s Zr{V H$s VwpîQ> hmoVr h¡.5. Omo{I_ Am§H$Zo H$o$ {bEo {dËVr` _mZH$mo| H$mo gÑT ~ZmZm Am¡a BñVo_mb H$s Om aht g_ñV nÕ{V`m| H$mo H$maJa ~ZmZm.

g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ g{_{V H$s 5 ~¡R>H|$ hþBª {OZH$o$ ã`m¡ao ZrMo {XE JE h¢ :

07.06.2013 26.08.2013 22.10.2013 28.12.2013 10.03.2014

4.5.1 Omo{I_ à~§§YZ g{_{V H$o$ {ZXoeH$m| H$s CnpñW{V H$o$ ã`m¡aoHŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _| Cn{ñÏm{Vg§. ~¡RHŸm| HŸr g§»`m 1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 1 1

AÜ`úm Ed§ à~§Y [ZXoeHŸ 2. ls EM Eg CnoÝÐ HŸm_V *2 AÜ`úm 01.04.2013 - 31.12.2013 4 4

AÜ`úm Ed§ à~§Y [ZXoeHŸ 3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmar 01.04.2013 - 31.03.2014 5 5

HŸm ©HŸmas [ZXoeHŸ {ZXoímHŸ 4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmar 27.09.2013 - 31.03.2014 3 2

HŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 5. ls nr.gr.Zbdm`m gXñ` 01.04.2013 - 31.03.2014 5 5

J¡a-A{ÜmHŸmar [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

6. ls_Vs ^maVs amd gXñ` 01.04.2013 - 20.09.2013 2 2eo aYmaHŸ [ZXoeHŸ-J¡a-HŸm ©nmbHŸ

7. lr AímmoHŸ JwßVm gXñ` 01.04.2013 - 31.03.2014 5 2J¡a-A{ÜmHŸmar [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

8. ls EM. hase ~ëbmb gXñ` 21.09.2013 - 31.03.2014 3 3A[YHŸmas HŸ_©Mmas [ZXoeHŸ-J¡a-HŸm ©nmbHŸ

9. ls gwaoe HŸm_V *4 gXñ` 21.09.2013 - 01.11.2013 1 1HŸm_Jma [ZXoeHŸ-J¡a-HŸm ©nmbHŸ

10. lr dmB©._wabrH¥ŸîÊmm *5 gXñ` 02.11.2013 - 31.03.2014 2 2HŸm_Jma {ZXoímHŸ -J¡a-HŸm ©HŸmas

34






4.6. CÀM _yë` HŸr YmoImYS>r go g~§{YV _m_bm| H$s g_rjm H$aZo H$o$ {bE g{_{V

EHŸ H$amoS> d Cggo A{YH$ aH$_ HŸr YmoImYS>r HoŸ _m_bm| na {ZJamZr aIZo na {dímoîm Ü`mZ XoZo H$s ÑpîQ> go, maVr` [aOd© ~¡¢H$ H$o$ _mJ©{ZX}em| H$o$ AZwgma,_§S>b H$s g{_{V H$m JR>Z {H `m J`m h¡.

g_rjmYrZ df© H$o$ Xm¡amZ g{_{V H$s 5 ~ma ~¡R>H$o|, ZrMo Cpëb{IV VmarIm| H$mo hþB© :28.07.2013 22.10.2013 28.12.2013 03.02.2014 19.02.2014

4.6.1 CÀM _yë` HŸr YmoImYS>r go g§~§{YV _m_bm| H$s g_rjm H$aZo H$o$ {bE g{_{V H$o$ {ZXoeH$m| H$s CnpñW{V H$o$ ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _| g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V

1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 2 2AÜ`úm Ed§ à~§Y [ZXoeHŸ

2. ls EM Eg CnoÝÐ HŸm_V *2 AÜ`úm 01.04.2013 - 31.12.2013 3 3AÜ`úm Ed§ à~§Y [ZXoeHŸ

3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmas 01.04.2013 - 31.03.2014 5 5HŸm ©HŸmas [ZXoeHŸ [ZXoeHŸ

4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmas 27.09.2013 - 31.03.2014 4 3HŸm ©HŸmar {ZXoímHŸ [ZXoeHŸ

5. ls ds HoŸ MmonSm gXñ` 28.12.2013 - 31.03.2014 3 3ämmaV gaHŸma Zm{_Vr - {ZXoímHŸJ¡a-HŸm ©nmbHŸ

6. ls AímmoHŸ JwßVm gXñ` 01.04.2013 - 20.09.2013 1 0J¡a A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

7. ls gwaoe HŸm_V *4 gXñ` 01.04.2013 - 20.09.2013 1 1HŸm_Jma [ZXoeHŸJ¡a-HŸm ©nmbHŸ

8. lr EM.harím ~ëbmb gXñ` 01.04.2013 - 20.09.2013 1 1A{ÜmHŸmar HŸ_©Mmar {ZXoímHŸJ¡a-HŸm ©nmbHŸ

9. ls_Vs ^maVs amd gXñ` 21.09.2013 - 31.03.2014 4 3eo aYmaHŸ [ZXoeHŸJ¡a-HŸm ©nmbHŸ

10. ls ns.d¡ÚZmWZ gXñ` 21.09.2013 - 31.03.2014 4 4eo aYmaHŸ [ZXoeHŸJ¡a-HŸm ©nmbHŸ

11. ls EZ.HoŸ. O¡Z *5 gXñ` 21.09.2013 - 07.11.2013 1 1eo aYmaHŸ [ZXoeHŸJ¡a-HŸm ©nmbHŸ

12. ls nr.gr.Zbdm`m gXñ` 28.12.2013 - 31.03.2014 3 3J¡a-A{ÜmHŸmar [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

35




*4 lr gwaoím HŸm_V, HŸm_Jma {ZXoímHŸ {XZm§HŸ 01.11.2013 HŸmo CZHoŸ HŸm ©HŸmb g_m{ßV na ~¢HŸ HoŸ {ZXoímHŸ Zht ah|.

*5 lr EZ.HoŸ.O¡Z Zo {XZm§HŸ 05.11.2013 go Zm{_Vr ímo aÜmmaHŸ {ZXoímHŸ HŸm HŸm`m©b` NmoSm.

4.7 n«ÜmmZ HŸm`m©b` ñVa HŸr FÊm AZw_moXZ g{_{V (EMEbgrgr) :

ämmaV gaHŸma Ûmam n«o{îmV nÍm g§.13/1/2006-~r.Amo.I {XZm§HŸ 05.12.2011 HoŸ µO{aE Omar {ZXo©ím HoŸ AZwgma {X.28.12.2011 HŸmo hwB© ~¡RHŸ _| {ZXoímHŸ_§Sb Zo _§Sb HŸr FÊm AZw_moXZ g{_{V HoŸ JRZ HŸm AZw_moXZ {HŸ`m h¡. CŠV A{ÜmgyMZm HoŸ AZwgma, ` 3.00 bm»m HŸamoS `m Cggo Á`mXm HŸmamo~madmbooŸdJ© 'HŸ' HoŸ ~¢HŸm| HoŸ _m_bo _| ` 400.00 HŸamoS VHŸ VÏmm AÝ` amîQ—r`H¥ŸV ~¢HŸm| HoŸ _m_bo _| ` 250.00 HŸamoS VHŸ HoŸ FÊm n«ñVmdm| HŸr _§Oyar HoŸ g§~§Üm _|g{_{V _§Sb HoŸ A{ÜmHŸmam| HŸm n« moJ HŸaoJr. AÜ`úm Ed§ n«~§Üm {ZXoímHŸ g{hV ~¢HŸ HoŸ A{ÜmHŸm{a`m| HoŸ n«Ë`m`mo{OV A{ÜmHŸmam| go A{ÜmHŸ FÊmn«ñVmdm| HŸmo g{_{VHoŸ g_úm AZw_moXZ hoVw n«ñVwV {HŸ`m OmEJm. Bg gr_m go A{ÜmHŸ FÊm n«ñVmdm| HŸmo nhbo HŸr Vah {ZXoímHŸ _§Sb HŸr n«~§ÜmZ g{_{V HoŸ g_úm _§Oyar hoVw n«ñVwV{HŸ`m OmEJm. FÊm n«ñVmdm| HŸmo _§Oya HŸaZo HoŸ Abmdm ({Z{Üm d J¡a-{Z{Üm AmÜmm{aV) ` 4.00 HŸamoS VHŸ HoŸ FÊm g_Âmm¡Vm/~Åo »mmVo SmbZo HoŸ n«ñVmdm|(Ümmo»mmÜmSr HoŸ _m_bm| HŸmo NmoSHŸa Omo {HŸ nhbo O¡gm _§Sb HŸr n«~§ÜmZ g{_{V HoŸ g_úm n«ñVwV {HŸE OmE§Jo) HŸmo ämr g{_{V HoŸ g_úm n«ñVwV {HŸ`m OmEJm.EMEbgrgr HŸr ~¡RHŸm| _| AÜ`úm Ed§ n«~§Üm {ZXoímHŸ VÏmm EHŸ HŸm ©HŸmar {ZXoímHŸ HŸr Cn{ñÏm{V hmoJr. EMEbgrgr HoŸ HŸm ©d¥ËV, _§Sb HŸr AJbr ~¡RHŸ _|n«ñVwV {HŸE OmE§Jo.

dîm© HoŸ Xm¡amZ EMEbgrgr HŸr 53 ~¡RH|Ÿ {ZåZ{b{»mV Vmar»mm| _| Am`mo{OV hwB© :

02.04.2013 05.04.2013 08.04.2013 15.04.2013 24.04.2013 26.04.2013 07.05.2013

14.05.2013 17.05.2013 21.05.2013 24.05.2013 01.06.2013 05.06.2013 13.06.2013

20.06.2013 27.06.2013 06.07.2013 19.07.2013 26.07.2013 02.08.2013 10.08.2013

14.08.2013 17.08.2013 26.08.2013 29.08.2013 05.09.2013 18.09.2013 26.09.2013

08.10.2013 24.10.2013 29.10.2013 07.11.2013 14.11.2013 22.11.2013 26.11.2013

30.11.2013 05.12.2013 10.12.2013 11.12.2013 12.12.2013 20.12.2013 26.12.2013

27.12.2013 08.01.2014 18.01.2014 30.01.2014 17.02.2014 18.02.2014 03.03.2014

10.03.2014 17.03.2014 24.03.2014 29.03.2014

4.7.1 EMEbgrgr ~¡RHŸm| _| gXñ`m| H$s CnpñW{V H$o$ ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V



3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmas 01.04.2013 - 31.03.2014 53 45HŸm ©HŸmas [ZXoeHŸ [ZXoeHŸ

36


4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmas 27.09.2013 - 31.03.2014 25 20HŸm ©HŸmar {ZXoímHŸ [ZXoeHŸ

5. EZ.XodXmg *4 gXñ` 01.04.2013 - 30.09.2013 28 27_hm n«~§ÜmHŸ, FÊm (n)

6. lr Qr.O §V n¡ gXñ` 01.10.2013 - 31.03.2014 25 25_hm n«~§ÜmHŸ, FÊm (n)

7. lr EM.Zmam`Êm ímoÅr gXñ` 01.04.2013 - 31.03.2014 53 48_hm n«~§ÜmHŸ, bo»mm

8. lr ZmJoída amd *5 gXñ` 01.04.2013 - 21.01.2014 45 41_hm n«~§ÜmHŸ, Omo{»m_ n«~§ÜmZ

9. lr E.gr.ñdmBª *5 gXñ` 22.01.2014 - 31.03.2014 8 8_hm n«~§ÜmHŸ, Omo{»m_ n«~§ÜmZ




*4 lr EZ.XodXmg, _hm n«~§ÜmHŸ, FÊm (n) Zo {XZm§HŸ 30.09.2013 HŸmo godm{Zd¥{ËV na HŸm`m©b` NmoSm.

*5 lr E.gr.ñdmBª, _hm n«~§ÜmHŸ Zo {XZm§HŸ 22.01.2014 HŸmo lr dmB©.ZmJoída amd, _hm n«~§ÜmHŸ HoŸ ñÏmmZ na Omo{»m_ n«~§ÜmZ {dämmJ HŸm HŸm ©ämmag§ämmbm.

4.8 nXmoÞ{V g§~§Yr {ZXoeH$m| H$s g{_{V

d[að> à~§Y loUr - doVZ-_mZ - V Am¡a Cggo CƒVa doVZ _mZ Ho$ H$m ©nmbH$m| Ho$ _m_bm| H$s g_rjm H$aZo Ho$ {bE, {dO`m ~¢H$(A{YH$mar)godm{d{Z`_, 1982 Ho$ {d{Z`_ 19(2) Ho$ {Z`_m| Ho$ AZwgma EH$ {deof g{_{V H$m JR>Z {H$`m J`m. `h g{_{V, AZwemg{ZH$ _m_bm| Am¡a ~¢H$ Ho$ erf©H$m ©nmbH$m| (doVZ-_mZ VII) H$s nXmoÞ{V na {ZJamZr aIVr h¡.

55 df© H$s C_« hmoZo na m CgHo$ ~mX {H$gr r g_` AWdm 30 df© H$s Hw$b godm nyar H$aZo Ho$ ~mX {H$gr r g_`, A{YH$mar H$_©Mm[a`m| H$s godm{Zd¥pËVH$s g_rjm H$aZo Ho$ CX²Xoí` go Bg g{_{V H$m JR>Z {H$`m J`m. Bg g{_{V _|, AÜ`j Ed§ à~§Y {ZXoeH$, H$m ©H$mar {ZXoeH$, gaH$mar {ZXoeH$ Am¡a maVr`[aOd© ~¢H$ Ho$ Zm{_Vr {ZXoeH$ h¢.

g_rjmYrZ df© Ho$ Xm¡amZ, Bg g{_{V H$s 4 ~¡R>H|§$ hþBª …

28.07.2013 23.10.2013 28.12.2013 10.03.2014

4.8.1 nXmoÞ{V g§~§Yr {ZXoeH$m| H$s g{_{V _| {ZXoeH$m| H$s CnpñW{V Ho$ ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 1 1


AÜ`úm Ed§ à~§Y [ZXoeHŸ3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmar 01.04.2013 - 31.03.2014 4 4

HŸm ©HŸmas [ZXoeHŸ {ZXoímHŸ

37


4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmar 27.09.2013 - 31.03.2014 3 3HŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ

5. ls ds HoŸ MmonSm gXñ` 01.04.2013 - 31.03.2014 4 4ämmaV gaHŸma Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

6. ls_Vs gw_m d_m© gXñ` 01.04.2013 - 31.03.2014 4 4ämm.{a.~¢. Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ




4.9 J«mhH$ godm g{_{V

^maVr` [aOd© ~¢H$ H$o$ {ZXoímmo| H$m AZwgaU H$aVo hþE, _§S>b Zo, ZrMo Cpëb{IV gXñ`m| H$o$ gmW 08.09.2004 H$mo J«mhH$ godm g{_{V H$m JR>Z {H$`m.

_§S>b H$s J«mhH$ godm g{_{V go Anojm H$s OmVr h¡ {H$ dh …

1. J«mhH$ godmAm| go g§~§{YV à{H«$`mAm| Am¡a {ZînmXZ boIm narjm Ho$ ~mao _| ~¢H$ H$s VXW© g{_{V Ho$ H$m_H$mO na {ZJamZr aI|.

2. ì`mnH$ {Zjon Zr{V ~ZmE§ Am¡a Cg_| Bg Vah Ho$ _m_bo OmoS>| O¡go; O_mH$Vm© H$s _¥Ë w hmoZo na CgH$m ImVm MbmZo H$s ar{V, CËnmX AZw_moXZ à{H«$`m,O_mH$Vm©Am| H$s g§Vw{ï> H$m dm{f©H$ gd}jU Am¡a BZ godmAm| H$s VrZ df© _| EH$ ~ma boIm narjm.

3. J«mhH$ godm H$s JwUdËVm ~T>mZo Ho$ {bE ZdmoÝ_oîmrŸ$ Cnm` HŸa| Am¡a

4. h_oem g~ àH$ma Ho$ J«mhH$m| H$s g§Vw{ï> _| gwYma bmZm.

g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ g{_{V HŸr 3 ~¡RH|Ÿ hwB© :

28.07.2013 28.12.2013 19.02.2014

4.9.1 J«mhHŸ godm g{_{V HoŸ {ZXoímHŸm| HŸr Cn{ñÏm{V g§~§Ümr ã`moao




3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmar 01.04.2013 - 31.03.2014 3 3HŸm ©HŸmas [ZXoeHŸ {ZXoímHŸ


5. ls ns. d¡ÚZmWZ gXñ` 01.04.2013 - 20.09.2013 1 0eo aYmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

38

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V6. ls EM.harím ~ëbmb gXñ` 01.04.2013 - 20.09.2013 1 1

A{ÜmHŸmar HŸ_©Mmar [ZXoeHŸ-J¡a-HŸm ©nmbHŸ


8. ls gwaoe HŸm_V *4 gXñ` 21.09.2013 - 01.11.2013 — —HŸm_Jma [ZXoeHŸ-J¡a-HŸm ©nmbHŸ

9. lr dmB©._wabrH¥ŸîÊmm *5 gXñ` 02.11.2013 - 31.03.2014 2 2HŸm_Jma {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

10. lr A_aZmÏm ho½So gXñ` 01.11.2013 - 31.03.2014 2 2J«mhHŸm| HoŸ n«{V{Z{Üm

11. ls Qr.éÐßnm gXñ` 01.04.2013 - 31.10.2013 1 1J«mhHŸm| HoŸ n«{V{Z{Üm






4.10 nm[al{_H$ g{_{V

^maV gaH$ma Ho$ _mJ©{ZX}em| Ho$ AZwgma {ZXoímHŸm| HŸmo nm{al{_HŸ {X`m OmVm h¡. {X.09.03.2007 HoŸ ämmaV gaHŸma HoŸ nÍmm§HŸ E\Ÿ.g§.20/1/2005-~rAmo.1Ho AZwgma ~¢HŸ {ZXoímHŸ _§Sb Zo {X.30.07.2007 HŸmo nm{al{_HŸ g{_{V HŸm JRZ {HŸ`m h¡. h g{_{V ~¢HŸ HoŸ nyÊm©HŸm{bHŸ {ZXoímHŸ AÏmm©V AÜ`úm Ed§ n«~§Üm{ZXoímHŸ d HŸm ©HŸmar {ZXoímHŸ HoŸ {ZînmXZ AmÜmm{aV n«moËgmhZ HoŸ _yë`m§HŸZ VÏmm g§JV dîm© HoŸ `Ïmm 31 _mM© HŸmo nmÍm n«moËgmhZ XoZo hoVw J{RV HŸr J`r h¡.

df© 2013-14 Ho$ Xm¡amZ, AÜ`j Ed§ à~§Y {ZXoeH$ Am¡a H$m ©H$mar {ZXoeH$ H$mo {ZînmXZ go OwSr àmoËgmhZ am{e g{hV nm[al{_H$ Ho$ ã`m¡ao ZrMo àñVwV h¢…

{ddaÊm ls dr.HŸÊÊmZ ls CnoÝÐ HŸm_V ls HoŸ.Ama.ímoÊm¡ ls ~r.Eg.am_m amd(A.Ed§ n«. {Z.)Ÿ (A.Ed§ n«. {Z.)Ÿ (HŸm. {Z.)Ÿ (HŸm. {Z.)Ÿ

doVZ ` 4,30,350 ` 13,50,595 ` 15,11,445 ` 7,57,467

ämËVo — — — —

äm.{Z. na A§ímXmZ ` 22,650 ` 71,329 ` 79,755 ` 39,867

AÝ` - {ZînmXZ go OwSmhwAm n«moËgmhZ — ` 6,00,000 ` 4,00,000 —

AÝ` (Nw.{HŸ.{a., {M{HŸËgm, Am{X) ` 83 ` 4,15,914 ` 2,27,478 ` 32,950

AÝ` AZwbmäm — ` 14,364 ` 19,152 ` 9,576

HwŸb ` 4,53,083 ` 24,52,202 ` 22,37,830 ` 8,39,860

ñQm°HŸ {dHŸën — — — —

39

J¡a-HŸm ©nmbHŸ/ñdV§Ím {ZXoímHŸm| HŸmo ämmaV gaHŸma HoŸ {ZXo©ímmZwgma _§Sb/g{_{V HŸr ~¡RHŸm| _| ämmJ boZo HoŸ {bE ~¡RHŸ ímwëHŸ, `mÍmm d {dam_ ì`` HŸmo NmoSµHŸaHŸmoB© nm{al{_HŸ Zht {X`m Om ahm h¡. ämmaV gaHŸma HoŸ {ZXoímmZwgma ~¡RHŸ ímwëHŸ HŸm ämwJVmZ {HŸ`m OmVm h¡.

g{_{V HŸr g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ 07.06.2013 HŸmo ~¡RHŸ Am`mo{OV HŸr JB©.

4.10.1 nm{al{_HŸ g{_{V HŸr ~¡RHŸ _| {ZXoímHŸm| HŸr Cn{ñÏm{V HoŸ ã`m¡ao

HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V1. ls dr.HoŸ.MmonSm gXñ` 01.04.2013 - 31.03.2014 1 1

ämmaV gaHŸma Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

2. ls_Vs gw_m d_m© gXñ` 01.04.2013 - 31.03.2014 1 1ämm.{a.~¢. Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

3. ls ns.gs.Zbdm`mJ¡a-A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ gXñ` 01.04.2013 - 31.03.2014 1 1

4. ls ns. d¡ÚZmWZ gXñ` 01.04.2013 - 15.03.2014 1 1J¡a-A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

5. ls_Vs ^maVs amd gXñ` 16.03.2014 - 31.03.2014 — —eo aYmaHŸ [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

4.11. Zm_m§HŸZ g{_{V

ämmaVr` {aµOd© ~¢HŸ HoŸ {XZm§HŸ 01.11.2007 HoŸ nÍm g§ Sr~rAmoSr.g§ ~rgr.47/29.39001/2007-08 _| {XE JE {ZXoímmZwgma ~¢HŸHŸmar H§ŸnZr (CnHŸ«_m|HŸm AO©Z d A§VaÊm) A{Üm{Z`_ 1980 HŸr Ümmam 9 (3)(AmB©) HoŸ VhV g§n«{V MwZo JE {ZXoímHŸm|/{ZXoímHŸm| HoŸ êŸn _| MwZo OmZodmbo ì`{ŠV`m| HŸr ‘Cn wŠVd C{MV {ñÏm{V’ AÜ`dgm`r go {ZÜmm©{aV HŸaZo HoŸ {bE _§Sb HŸr Zm_m§HŸZ g{_{V {XZm§HŸ 28.12.2007 HŸmo J{RV HŸr J`r. g{_{V _| gXñ` HoŸ êŸn _| VrZ{ZXoímHŸ h¢.

g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ {XZ§mHŸ 07.06.2013 HŸmo Xmo ~ma g{_{V HŸr ~¡RHŸ hwB© VÏmm h nm`m J`m {HŸ MwZo OmZo dmbo {ZXoímHŸ ämmaVr` {aµOd© ~¢HŸ Ûmam{d{Z{X©îQ _mZX§S AZwgma ‘Cn wŠV d C{MV’ h¢.

4.11.1. Zm{_Vr g{_{V HŸr ~¡RHŸ _| {ZXoímHŸm| HŸr Cn{ñÏm{V HoŸ ãæmm¡ao


1. ls ds HoŸ MmonSm AÜ`úm 01.04.2013 - 31.03.2014 1 1ämmaV gaHŸma Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

2. ls ns gs Zbdm`m gXñ` 01.04.2013 - 31.03.2014 1 1J¡a-A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

3. ls AemoHŸ JwßVm gXñ` 01.04.2013 - 31.03.2014 1 1J¡a-A{ÜmHŸmar {ZXoímHŸ -J¡a-HŸm ©nmbHŸ

40

4.12 ímo aÜmmaHŸ {ZXoímHŸm| HoŸ MwZmd _| Cå_rXdma HŸmo g_Ïm©Z XoZo na {ZÊm© boZo HŸr g{_{V

ämmaV gaHŸma, {dËV _§Ímmb` HoŸ {ZXoímm| HoŸ AZwêŸn {X.31.05.2012 HŸmo Am`mo{OV ~¡RHŸ _| _§Sb Zo ímo aÜmmaHŸ {ZXoímHŸm| HoŸ MwZmd _| Cå_rXdma HŸmo g_Ïm©ZXoZo na {ZÊm© boZo HŸr g{_{V HoŸ JRZ HŸm AZw_moXZ {X`m, Ohm§ ~¢HŸ Zo BZ H§Ÿn{Z`m| HoŸ ímo am| _| {Zdoím {HŸ`m h¡.

g{_{V HoŸ {ZåZ{b{»mV gXñ` h¢ :

1. AÜ`úm Ed§ n«~§Üm {ZXoímHŸ : g{_{V H$o$AÜ`úm

2. HŸm ©HŸmar {ZXoímHŸ : gXñ`

3. EHŸ J¡a-gaHŸmar {ZXoímHŸ : gXñ`

dîm© HoŸ Xm¡amZ g{_{V HŸr 2 ~¡RH|Ÿ hwB©§ :

19.07.2013 25.09.2013

4.12.1 ímo aÜmmaHŸ {ZXoímHŸm| HoŸ MwZmd _| Cå_rXdma HŸmo g_Ïm©Z XoZo na {ZÊm© boZo HŸr g{_{V _| {ZXoímHŸm| H$s CnpñW{V Ho$ ã`m¡ao :


1. ls dr HŸÊÊmZ *1 AÜ`úm 01.01.2014 - 31.03.2014 - -AÜ`úm Ed§ à~§Y [ZXoeHŸ



4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmar 27.09.2013 - 31.03.2014 - -HŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ





4.13 gy.n«m¡. ñQr`{a§J g{_{V :

ämm.{a.~¢. Ûmam Omar _mJ©{ZXo©ímm| VÏmm ämm.~¢.g§. HŸr {g\Ÿm{aímm| HoŸ AZwgma, {ZXoímHŸ _§Sb Zo {X.18.02.2012 HŸmo AnZr ~¡RHŸ _|, gy.n«m¡. ñQr`{a§J g{_{VHŸm JRZ {HŸ`m {Og_| ~mø VHŸZrHŸr {dímoîmk {dímoîm A{V{Ïm h¢.

gy.n«m¡. ñQr`{a§J g{_{V HoŸ HŸm © HŸm Tm§Mm {ZåZmZwgma h¡ :

1. gy.n«m¡. na ~¢HŸ HŸmo aÊmZr{VHŸ {ZXo©ím XoZm VÏmm _§Sb HŸr Amoa go gy.n«m¡. {Zdoímm| HŸr g_rúmm HŸaZm.

2. gy.n«m¡. aÊmZr{V VÏmm Zr{V XñVmdoOm| HŸm AZw_moXZ HŸaZm VÏmm HŸmamo~ma aÊmZr{V HŸmo gy.n«m¡. aÊmZr{V HoŸ gmÏm g§ao»mZ gw{Z{íMV HŸaZm.

41

3. `h nVm bJmZm {HŸ n«~§ÜmZ Ûmam CZ n«{HŸ« m VÏmm n«Êmm{b`m| HŸm HŸm`m©Ýd`Z {HŸ`m J`m h¡ Omo gw{Z{íMV HŸaVm h¡ {HŸ gy.n«m¡. HŸmamo~ma _| _yë` n«XmZ HŸaVm h¡.

4. aÊmZr{VHŸ bú`m| HŸr n«m{ßV hoVw gy.n«m¡. g§gmÜmZ HŸmo nhMmZZo HoŸ {bE n«~§ÜmZ Ûmam n« moJ _| bm`r J`r n«Êmmbr HŸmo _m°{ZQa HŸaZm VÏmm gy.n«m¡. g§gmÜmZCnbãÜm HŸamZo d n« moJ HŸaZo g§~§Ümr CÀM ñVar` {ZXo©ím XoZm.

5. gy.n«m¡. HŸm`m©Ýd`Z _| gy.n«m¡. Omo{»m_ d n«~§ÜmZ HoŸ {ZînmXZ HŸm n«~§ÜmZ Ûmam _m{ZQ{a§J HŸr n«ämm{dVm HŸm _yë`m§HŸZ HŸaZm.

6. Omo{»m_ g§~§Ümr CÀM ñVar` Zr{V _mJ©{ZXo©ím Omar HŸaZm

dîm© HoŸ Xm¡amZ g{_{V HŸr ~¡RHŸ {XZm§HŸ 11.06.2013 VÏmm 31.12.2013 HŸmo hwB©.

11.06.2013 31.12.2013

4.13.1 gy.n«m¡. ñQr`{a§J g{_{V _| {ZXoímHŸm| H$s CnpñW{V Ho$ ã`m¡ao :


1. ls dr HŸÊÊmZ *1AÜ`úm Ed§ à~§Y [ZXoeHŸ AÜ`úm 01.01.2014 - 31.03.2014 — —

2. ls EM Eg CnoÝÐ HŸm_V *2AÜ`úm Ed§ à~§Y [ZXoeHŸ AÜ`úm 01.04.2013 - 31.12.2013 2 2

3. ls HoŸ.Ama.ímoÊm¡ HŸm ©HŸmarHŸm ©HŸmas [ZXoeHŸ {ZXoímHŸ 01.04.2013 - 26.09.2013 1 1

4. lr ~r.Eg.am_m amd *3 HŸm ©HŸmarHŸm ©HŸmar {ZXoímHŸ {ZXoímHŸ 27.09.2013- 31.03.2014 1 1

5. ls_Vs ^maVs amdeo aYmaHŸ [ZXoeHŸ - J¡a-HŸm ©nmbHŸ gXñ` 01.04.2013 - 31.03.2014 2 1




4.14 dgybr {ZJamZr hoVw g{_{V

{dËV _§Ímmb` HoŸ {X.21.11.2012 HoŸ nÍm AZwêŸn _§Sb Ûmam dgybr HŸr {ZJamZr hoVw g{_{V HŸm JRZ {HŸ`m J`m h¡, Omo gm_mÝ`V`m EZnrE VÏmm {dímoîmV:` 1 HŸamoS `m Cggo A{ÜmHŸ CÀM _yë` »mmVm| HŸr dgybr/n«~§ÜmZ HŸr n«J{V HŸr g_rúmm/{ZJamZr HŸaoJr.

g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ g{_{V 5 ~ma {_br {OgHŸm {ddaÊm {ZåZmZwgma h¡ :

08.06.2013 28.07.2013 26.08.2013 27.12.2013 10.03.2014

4.14.1 dgybr {ZJamZr hoVw g{_{V _| {ZXoímHŸm| HŸr Cn{ñÏm{V HoŸ ãæmm¡ao




42




5. ls ds HoŸ MmonSm gXñ` 01.04.2013 - 31.03.2014 5 5ämmaV gaHŸma Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ




4.15 n«ímmg{ZHŸ n«m{ÜmHŸmar HoŸ êŸn _| AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ A§{V_ AmXoímm| HoŸ n«{V HŸ_©Mmar Ûmam {XE JE Anrb na {dMma HŸaZo hoVwg{_{V

HŸ_©Mm{a`m| HoŸ {hV HŸr g§aúmm hoVw n«ímmg{ZHŸ n«m{ÜmHŸmar HoŸ êŸn _| AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ A§{V_ AmXoímm| HoŸ n«{V HŸ_©Mmar Ûmam {XE JE Anrb na {dMmaHŸaZo hoVw {XZm§HŸ 29.03.2010 HŸmo g{_{V HŸm JRZ {HŸ`m J`m. ämmaV gaHŸma HoŸ Zm{_{V {ZXoímHŸ, ämm.{a.~¢. HoŸ Zm{_{V {ZXoímHŸ VÏmm J¡a-HŸm ©HŸmar {ZXoímHŸ(_§Sb HŸr bo»mmnarúmm g{_{V HoŸ AÜ`úm) g{_{V HoŸ gXñ` h¢.

g_rúmmÜmrZ Ad{Üm HoŸ Xm¡amZ g{_{V 2 ~ma {_br {OgHŸm {ddaÊm {ZåZmZwgma h¡ :

07.06.2013 28.12.2013

4.15.1 n«ímmg{ZHŸ n«m{ÜmHŸmar HoŸ êŸn _| AÜ`úm Ed§ n«~§Üm {ZXoímHŸ HoŸ A§{V_ AmXoímm| HoŸ n«{V HŸ_©Mmar Ûmam {XE JE Anrb na {dMma HŸaZo hoVwg{_{V _| {ZXoímHŸm| HŸr Cn{ñÏm{V HoŸ ãæmm¡ao :HŸ«_ {ZXoímHŸ HŸm Zm_ nXZm_ Ad{Üm CZHoŸ HŸm ©HŸmb HoŸ Xm¡amZ hwB© ~¡RHŸm| _|g§. ~¡RHŸm| HŸr g§»`m Cn{ñÏm{V1. ls ds HoŸ MmonSm gXñ` 01.04.2013 - 31.03.2014 2 2

ämmaV gaHŸma Zm{_Vr [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

2. ls_Vs gw_m d_m© gXñ` 01.04.2013 - 31.03.2014 2 2ämm.{a.~¢. Zm{_Vr -J¡a-HŸm ©nmbHŸ

3. ls nr.gr.Zbdm`m gXñ` 01.04.2013 - 31.03.2014 2 2J¡a-A{ÜmHŸmar [ZXoeHŸ -J¡a-HŸm ©nmbHŸ

4.16 Am~§QZ g{_{V :

ämmaV gaHŸma HŸmo B©{ŠdQr ímo am| HŸm {ZJ©_ VÏmm Am~§QZ g§~§Ümr {HŸ« m{d{Üm nyam HŸaZo hoVw _§Sb HŸr {dímoîm Cn-g{_{V HŸm JRZ {HŸ`m J`m, {OgHŸr Xmo ~ma ~¡RHŸ~wbm`r J`r§ AÏmm©V {XZm§HŸ 19.12.2013 HŸmo ~¢HŸ HoŸ {Q`a I ny§Or _| ` 249,99,99,963 bJmZo HoŸ n«{V A{Üm_mZ AmÜmma na ämmaV gaHŸma HŸmo ` 10/-

HoŸ 5,89,34,464 B©{ŠdQr ímo am| HŸmo ` 32.42 n«{V ímo a n«r{_`_ ({ZJ©_ _yë` ` 42.42 n«{V ímo a) na {ZJ©_ VÏmm Am~§QZ HŸaZo HoŸ {bE VÏmm {XZm§HŸ21.02.2014 HŸmo ñÏmm`r J¡a-g§M`r A{Üm_mZ ímo am| (nrEZgrnrEg), Omo 1200 HŸamoS ~ZVm h¡, B©{ŠdQr ímo am| HoŸ êŸn _| n{adV©Z Ûmam 29.39 n«{Vímo a HoŸ n«r{_`_ (AÏmm©V HwŸb {ZJ©_ _yë` 39.39 n«{V ímo a) na 10/- HoŸ 30,46,45,849 B©{ŠdQr ímo am| HŸmo ämmaV gaHŸma HŸmo {ZJ©_ VÏmm Am~§QZHŸaZo HoŸ {bE.

43

5. `Ïmm 31.03.2014 HŸmo J¡a HŸm ©nmbHŸ/eo aYmaH$ {ZXoímHŸm| HoŸ ímo aÜmmaÊm HoŸ {ddaÊm

{ZXoímHŸ HŸm Zm_ Ümm{aV ímo am| HŸr g§»`m

1. ls_Vs ^maVs amd, ímo aÜmmaHŸ {ZXoímHŸ 100

2. ls ns d¡ÚZmWZ, ímo aÜmmaHŸ {ZXoímHŸ 2,100

3. ls EM.hase ~ëbmb, A{ÜmHŸmar HŸ_©Mmar {ZXoímHŸ 1,000

6. AmMma g§{hVm

~¢HŸ, gyMrHŸaÊm HŸama HoŸ »m§S 49 _| {ZÜmm©{aV AmMma g§{hVm HŸm nmbZ HŸa ahm h¡. VXZwgma gämr {ZXoímHŸm|/CÀM n«~§ÜmZ HŸm{_©HŸmo§ go dm{îm©HŸ AmÜmma na CgHoŸAZwnmbZ g§~§Ümr nwîQrHŸaÊm n«mßV HŸr OmVr h¡.

7. gm_mÝ` ~¡R>H$

{nNbr VrZ dm{îm©HŸ gm_mÝ` ~¡RHŸmo§ HoŸ {ddaÊm {ZåZmZwgma n«ñVwV h¢ …

{XZm§HŸ g_` ñÏmmZ

29.07.2011 gw~h 10.15 ~Oo _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h, {dO`m ~¢HŸ, E_.Or.amoS, ~|Jbya

29.06.2012 Xmonha 4.00 ~Oo _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h, {dO`m ~¢HŸ, E_.Or.amoS, ~|Jbya

28.06.2013 Xmonha 4.00 ~Oo _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h, {dO`m ~¢HŸ, E_.Or.amoS, ~|Jbya

Voahdt dm[f©HŸ gm_mÝ` ~¡RHŸ _o§ [ZåZ[b[IV [ZXoeHŸ CnpñWV Wo. BZ ~¡RHŸmo§ _o§ HŸmoB© [deof g§HŸën nm[aV Zht {HŸ`m J`m.

1. ls EM Eg CnoÝÐ HŸm_V AÜ`úm Ed§ à~§Y [ZXoeHŸ

2. lr HoŸ.Ama.ímoÊm¡ HŸm ©HŸmas [ZXoeHŸŸ

3. ls ns gs Zbdm`m J¡a-A{ÜmHŸar [ZXoeHŸ d Egr~r HoŸ AÜ`úm

4. lr_Vr ämmaVr amd eo aYmaHŸŸ [ZXoeHŸ

5. lr EZ.HoŸ.O¡Z eo aYmaHŸŸ [ZXoeHŸ

6. ls AemoHŸ JwßVm J¡a-A{ÜmHŸar [ZXoeHŸ

7. lr harím ~ëbmb A[YHŸmas HŸ_©Mmas [ZXoeHŸ

ls Jm¡ad ímwŠbm, Ada g[Md, [dÎm _§Ìmb`, ^maV gaHŸma àoúmHŸ HoŸ êŸn _| ^maV gaHŸma HŸm à[V[Z[YËd HŸaVo hwE ~¡RHŸ _o§ CnpñWV Wo.

AgmÜmmaÊm gm_mÝ` ~¡RHŸ

dîm© 2013-2014 HoŸ Xm¡amZ ~¢HŸ HoŸ ímo aÜmmaHŸm| HoŸ Xmo AgmÜmmaÊm gm_mÝ` ~¡RHŸ {dO`m ~¢HŸ, n«ÜmmZ HŸm`m©b` HoŸ _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h _| Am`mo{OV hwBª.

nhbr AgmÜmmaÊm gm_mÝ` ~¡RHŸ, ~¢HŸ HoŸ {Q`a I ny§Or _| ` 249,99,99,963/- bJmZo HoŸ n«{V ` 32.42 (AÏmm©V HwŸb {ZJ©_ _yë` ` 42.42 n«{V ímo a) n«{Vímo a n«r{_`_ na ` 10/- HoŸ 5,89,34,464 B©{ŠdQr ímo am| HŸm A{Üm_mZ {ZJ©_ hoVw ímo aÜmmaHŸm| go AZw_moXZ boZo hoVw {XZm§HŸ 12.12.2013 HŸmo Am`mo{OV HŸrJ`r.

AgmÜmmaÊm gm_mÝ` ~¡RHŸ HoŸ Xm¡amZ {ZåZ{b{»mV {ZXoímHŸ Cn{ñÏmV ah| :

1. lr EM.Eg.CnoÝÐ HŸm_V, AÜ`úm Ed§ n«~§Üm {ZXoímHŸ


44

3. lr nr.d¡ÚZmÏmZ, ímo aÜmmaHŸ {ZXoímHŸ

4. lr AímmoHŸ JwßVm, J¡a-A{ÜmHŸmar {ZXoímHŸ

5. lr EM.harím ~ëbmb, A{ÜmHŸmar-HŸ_©Mmar {ZXoímHŸ

lr Eg.Sr.ím_m©, AZwämmJ A{ÜmHŸmar, {dËV _§Ímmb`, ämmaV gaHŸma, Omo ämmaV gaHŸma, {dËV _§Ímmb` HŸm n«{V{Z{ÜmËd HŸa aho Ïmo, n«oúmHŸ HoŸ êŸn _| Cn{ñÏmV Ïmo.

Xygar AgmÜmmaÊm gm_mÝ` ~¡RHŸ, ~¢HŸ HoŸ _m¡OyXm ñÏmm`r J¡a-g§M`r A{Üm_mZ ímo am| (nrEZgrnrEg), Omo 1200 HŸamoS ~ZVm h¡, HŸmo B©{ŠdQr ímo am| HoŸ êŸn_| n{adV©Z Ûmam ` 29.39 n«{V ímo a HoŸ n«r{_`_ (AÏmm©V HwŸb {ZJ©_ _yë` ` 39.39 n«{V ímo a) na ` 10/- HoŸ ` 30,46,45,849 B©{ŠdQr ímo am| HŸmA{Üm_mZ {ZJ©_ hoVw ímo aÜmmaHŸm| go AZw_moXZ boZo HoŸ {bE {XZm§HŸ 19.02.2014 HŸmo Am`mo{OV HŸr J`r.

AgmÜmmaÊm gm_mÝ` ~¡RHŸ HoŸ Xm¡amZ {ZåZ{b{»mV {ZXoímHŸ Cn{ñÏmV ah| :

1. lr dr.HŸÊÊmZ, AÜ`úm Ed§ n«~§Üm {ZXoímHŸ

2. lr HoŸ.Ama.ímoÊm¡, HŸm ©HŸmar {ZXoímHŸ


4. lr nr.gr.Zbdm`m, J¡a-A{ÜmHŸmar {ZXoímHŸ VÏmm Egr~r HoŸ AÜ`úm

5. lr_Vr ämmaVr amd, ímo aÜmmaHŸ {ZXoímHŸ

6. lr nr.d¡ÚZmÏmZ, ímo aÜmmaHŸ {ZXoímHŸ

7. lr AímmoHŸ JwßVm, J¡a-A{ÜmHŸmar {ZXoímHŸ

8. lr EM.harím ~ëbmb, A{ÜmHŸmar-HŸ_©Mmar {ZXoímHŸ

lr E_.E_.Xmìbm, Ada g{Md, {dËV _§Ímmb`, ämmaV gaHŸma, Omo ämmaV gaHŸma, {dËV _§Ímmb` HŸm n«{V{Z{ÜmËd HŸa aho Ïmo, n«oúmHŸ HoŸ êŸn _| Cn{ñÏmV Ïmo.

8. eo a A§VaU àUmbr Am¡a {ZdoeH$Vm©Am| H$s {eH$m`Vm| H$m {ZdmaU

h_mao a{OñQ´>ma Am¡a eo a A§VaU EO|Q>m| Ho$ H$m`m©b` _| eo a A§VaU, bm^m§e Ho$ wJVmZ VWm {ZdoeH$Vm© go g§~§{YV AÝ` J{V{d{Y`m| na Jm¡a {H$`m OmVmh¡ Am¡a CZH$m g§gmYZ {H$`m OmVm h¡.~¢H$, h gw{ZpíMV H$aVm h¡ {H$ eo am| Ho$ A§VaU H$m gmam H$m_, CZH$mo àñVwV {H$E JE {XZ go EH$ _hrZo Ho$ A§Xa nyam{H$`m OmVm h¡. _§S>b Zo, eo am| Ho$ A§VaU VWm AÝ` g§~§{YV _m_bm| na {dMma H$aZo Ho$ {bE ímo aÜmmaHŸ VÏmm {ZdoeH$Vm© {eH$m`V g{_{V Am¡a eo aA§VaU g{_{V H$m JR>Z {H$`m h¡. o g{_{V`m§ {Z`{_V A§Vamb _| ~¡R>Vr h¡§ Am¡a eo am| Ho$ A§VaU H$s nw{ï> H$aZo Ho$ Abmdm {ZdoeH$Vm©Am| H$s {eH$m`Vm|H$s pñW{V H$s g_rjm H$aVr h¡.

~¢H$ Zo AnZo a{OñQ´>ma Am¡a eo a A§VaU EO|Q> Ho$ ê$n _| _ogg© {b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS H$mo {Z wŠV {H$`m h¡ {OgH$m H$V©ì` h¡, eo am| H$m A§VaUH$aZm, bm^m§e H$m wJVmZ H$aZm, eo aYmaH$m| H$s Xa»dmñV XO© H$aZm VWm eo am|| H$mo Omar H$aZo go g§~§{YV Xygar J{V{d{Y`m| _| {ZdoeH$Vm©Am| H$s{eH$m`Vm| H$m g§H$ën nm[aV H$aZm. {ZdoeH$Vm©, AnZo A§VaU {dboI/Xa»dmñV/{eH$m`V|, a{OñQ´>ma Ho$ nmg, ZrMo C{„{IV nVo na oO gH$Vo h¢…

_ogg© {b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS( y{ZQ : {dO`m ~¢HŸ )gr -13, nÝZmbmb {gëHŸ {_ëg HŸm§nmC§SEb.~r.Eg.amoS , äm§Syn (n{íM_)_w§~B© - 400 078Qoëmr\ŸmoZ: (022) 2594 6970\¡ŸŠg: (022) 2594 6969 & 2596 2691B©_ob : [email protected] and

[email protected]

45

{ZdoeH$Vm©Am| H$s ghÿ{b`V Ho$ {bE, eo a A§VaU H$s CZH$s Xa»dmñV VWm CZH$s {eH$m`V|, ~|Jbya pñWV ~¢H$ Ho$ àYmZ H$m`m©b` _| ZrMo C{„{IV nVona ^r ñdrH$ma H$s OmVr h¢…

_hm à~§YH$_§Sb g{Mdmb` (ímo a n«ämmJ){dO`m ~¢H$, àYmZ H$m`m©b`41/2, E_.Or.amoS>~|Jbya - 560 001H$Zm©Q>H$Q>obr\$moZ : 080 25584066 {dñVma 514\¡$Šg : 080 25594737B©-_ob : [email protected]~gmB©Q> : www.vijayabank.com

eo aYmaH$m| H$s {eH$m`Vm| na Vwa§V Jm¡a H$aZo Am¡a {eH$m`Vm| H$m \$m¡aZ {ZdmaU H$aZo na ~¢H$, gdm}ƒ àmW{_H$Vm XoVm h¡ Am¡a Cgo gw{ZpíMV ämr H$aVm h¡.

ímo a A§VaÊm n«Êmmbr :

~¢HŸ HoŸ B©{ŠdQr ímo am| HŸm A§VaÊm h_mao ímo a A§VaÊm EO|Q _ogg© {b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS, _w§~B© Ûmam {HŸ`m OmVm h¡. O~ HŸämr CÝh| ímo a A§VaÊmHoŸ AZwamoÜm n«mßV hmoVo h¢ Vmo CÝh| g§drúmm HŸa VWm ghr nm o OmZo na g§gm{ÜmV HŸa, ~¢HŸ HoŸ n«ÜmmZ HŸm`m©b` _| AZw_moXZmÏm© n« o{îmV {HŸ`m OmVm h¡.

ímo a A§VaÊm/A_y{V©HŸaÊm/nwZ: _y{V©HŸaÊm/{dämmOZ/nwZ: ñÏmmnZ/g_oHŸZ BË`m{X g§~§Ümr AZwamoÜm _§Sb HŸr ímo a A§VaÊm g{_{V HoŸ g_úm CZHoŸ AZwnmbZmÏm©n«ñVwV {HŸE OmVo h¢. Bg n« moOZmÏm© ímo a A§VaÊm g{_{V HŸr ~¡RHŸ nm{úmHŸ AmÜmma na A`mo{OV HŸr OmVr h¡. _ogg© {b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS ímo aA§VaÊm g{_{V HŸm AZw_moXZ n«mßV HŸaZo HoŸ ~mX A§VaÊm, A_y{V©HŸaÊm Am{X HŸaHoŸ ímo aÜmmaHŸm| HŸmo ämoOVm h¡. ~¢HŸ `h gw{Z{íMV HŸaVm h¡ {HŸ n«ñVwV HŸaZo HŸrVmar»m go {ZÜmm©{aV g_`md{Üm HoŸ A§VJ©V Cgo {d{ÜmdV én go A§V{aV {HŸ`m OmVm h¡.

ímo a ~mµOma _| gyMr~Õ HŸaZo g§~§Ümr HŸama HoŸ »m§S 47 HoŸ AZwgma Ama d Qr A{ämHŸVm© Ûmam {HŸE JE ímo a A§VaÊm VWm eo a A§VaU g{_{V Ûmam AZw_mo{XVímo a A§VaÊm na {anmoQ©, ~¢HŸ HoŸ {ZXoímHŸ _§Sb HoŸ g_úm gyMZm H$o$ {bE n«ñVwV HŸr OmVr h¡.

àmá, {ZnQ>m`r J`t Am¡a b§{~V {eH$m`Vm| H$s g§»`m

_ogg© {b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS, _w~§B© Ûmam eo aYmaH$mo| H$s g^r {eH$m`V| grYo àmá H$s OmVr h¢ Am¡a ~¢H$ Ûmam àmá gmar {eH$m`V| CZHo$ nmgoOr OmVr h¢. 2013-2014 Ho$ Xm¡amZ àmá Am¡a {ZnQ>m`r J`t VWm 31.03.2014 H$mo b§{~V Xa»dmñVmo§ / {eH$m`Vm| Ho$ ã`m¡ao {ZåZmZwgma h¢ …

01.04.2013 àmßV {ZnQ>mB© JBª 31.03.2014H$mo b§{~V H$mo b§{~V

H$) Xa»dmñVm| H$s g§»`m Hw$N> Zht 7884 7884 Hw$N> Zht

I) {eH$m`Vm| H$s g§»`m Hw$N> Zht 2489 2489 Hw$N> Zht

CŠV {eH$m`Vm| _| go H$moB© r {eH$m`V EH$ _hrZo go A{YH$ b§{~V Zht ahr. Wm 31.03.2014 HŸmo, eo a A§VaU Ho$ g§~§Y _| h_mao nmg H$moB© Xa»dmñVb§{~V Zht Wr.

9. eo aYmaH$m| Ho$ gmW àH$Q>rH$aU, g§àofU Am¡a g§~§Y

~¢H$ Ho$ àdV©H$m|/{ZXoeH$m|, à~§Y dJ©, CgHo$ gh`moJr g§ñWmAm| Am¡a/CZHo$ [aíVoXmam| Ho$ gmW ~¢H$ H$m, VmpËdH$ Ñ{ï> go _hËdnyU©, Eogm H$moB© g§~§{YV nmQ>uboZ-XoZ Zht h¡ {Oggo ì`mnH$ ê$n go ~¢H$ Ho$ {hVm| H$mo g§ m{dV ê$n go à^m{dV H$ao.

46

{dËVr` df© 2013-14 _|, ~¢H$ Zo, ny§Or ~mOma go g§~§{YV _m_bm| Ho$ ~mao _| g_ñV AnojmAm| H$s ny{V© H$s Am¡a ~¢H$ na, eo a ~mOmam|, EgB©~rAmB©, AWdm{H$gr Xygao gm§{d{YH$ àm{YH$m[a`mo| Zo H$moB© Ow_m©Zm Zht bJm`m h¡, Z hr H$moB© Amjon {H$`m h¡. ~¢H$ Zo, gm§{d{YH$ g_` gr_m Ho$ A§Xa dm{f©H$ gm_mÝ` ~¡R>H$Am`mo{OV H$s Am¡a nmÌ eo aYmaH$m| H$mo bm^m§e AXm {H$`m.

~¢H$ go g§~§{YV OmZH$mar, Img Vm¡a na dm{f©H$ [anmoQ>m] Ho$ µO[aE {Og_| AÜ`j H$m ~`mZ, {ZXoeH$m| H$s [anmoQ>©, boIm nar{jV boIm, ZH$Xr àdmh {ddaUAm¡a g_o{H$V boIm Am{X hmoVo h¢, CnbãY H$amB© OmVr h¡. eo aYmaH$m| H$mo {V_mhr, AY©-dm{f©H$ Am¡a dm{f©H$ {ZînmXZ Ho$ ~mao _| OmZH$mar g_mMma nÌm| _|àH$meZ, eo a ~mOmam| H$mo Xr JB© gyMZm, àog-{dk{á Am¡a do~gmBQ> AWm©V² www.vijayabank.com Ho$ O[aE ^r Xr OmVr h¡.

{dËVr` df© Ho$ Xm¡amZ,${V_mhr n[aUm_ n«_w»m g_mMma nÌm| O¡go {~{OZog ñQ¢SS© (A§J«oOr), {~{OZog bmBZ (A§J«oOr), BHŸZm{_HŸ QmBåg (A§J«oOr), {X Ý yB§{S`Z EŠgn«og (A§J«oOr), SoŠHŸZ hoam°ëS (A§J«oOr), n«OmdmÊmr (HŸÝZS), CX`dmÊmr (HŸÝZS), HŸÝZS n«ämm (HŸÝZS) VÏmm {dO`m HŸZm©QHŸ (HŸÝZS) _|àH$m{eV {H E JE. n{aÊmm_, ~¢HŸ HŸrŸ do~gmBQ www.vijayabank.com _| ämr n«X{ím©V {HŸE JE.

10. A{YXoemË_H$ Am¡a J¡a-A{YXoemË_H$ AnojmE§

10.1 ~¢H$ Zo, eo a ~mOmam| Ho$ gmW {H$E JE gyMr ~ZmZo g§~§Yr H$amaZm_o Ho$ I§S> 49 Ho$ àmdYmZm| Ho$ AZwgma, g_ñV bmJy A{YXoemË_H$ AnojmAm| H$s ny{V© H$s.

10.2 J¡a-A{YXoemË_H$ AnojmAm| Ho$ H$m`m©Ýd`Z Ho$ ~mao _| OmZH$mar ZrMo àñVwV h¡ …

Anojm AZwnmbZ

10.2.1 J¡a-H$m ©nmbH$ AÜ`j H$mo, H§$nZr Ho$ IM} na AÜ`j ~¢H$ Ho$ AÜ`j H$m H$m © ma, maV gaH$ma >Ûmam {Z wŠº$ H$m ©H$marH$m H$m`m©b` aIZo H$m hH$ hmoZm Mm{hE Am¡a gmW hr Cgo, AÜ`j g§ mb aho h¢ Am¡a Bg{bE `h Anojm bmJy Zht hmoVr h¡.AnZo H$V©ì` {Z^mZo _| bJo IM© H$s ny{V© H$s OmZr Mm{hE.

10.2.2 {nN>bo N>: _hrZm| _| _hËdnyU© KQ>ZmAm| Ho$ gma g{hV ~¢HŸ AnZo gämr ímo aÜmmaHŸm| HŸmo dîm© HoŸ Xm¡amZ hwB© Cëbo»mZr` J{V{d{Üm`m|{dËVr` {ZînmXZ H$s AY©-dm{f©H$ KmofUm, àË oH$ g{hV gmam§ím HoŸ gmÏm dm{f©H$ {dÎmr` n{aÊmm_ n«o{îmV HŸaVm h¡. ~¢HŸ Hoeo aYmaH$ Ho$ Ka na oOr OmZr Mm{hE. Ím¡_m{gHŸ {dËVr` n{aÊmm_, {ZXoímHŸ _§Sb HoŸ AZw_moXZ HoŸ ~mX g_mMma

nÍm, ñQm°HŸ EŠgM|O VÏmm ~¢HŸ HŸr do~gmB©Q _| n«HŸm{ímV {HŸ o OmVo h¢.

10.2.3 S>mH$ go n«mßV _V ~¢H$ Zo, Eogo {H$gr ^r ZmOwH$ _m_bm| H$mo, {Og_| S>mH$ go MbmE JE _Vm|go V` {H$`m OmZm nS>o, {dMmamW© Zht CR>m`m h¡.

11. eo aYmaH$m| H$s OmZH$mar Ho$ {bE :

~¢H$, EH$ AZwgy{MV dm{UpÁ`H$ ~¢H$ h¡ {OgH$m àYmZ H$m`m©b`, ~|Jbya _| h¡. Ïmm 31.03.2014 HŸmo Xoe^a _| \¡$br hþB© 1,512 emImAm| Ho$ O[aE ~¢H$Zo AnZr _m¡OyXJr H$m`_ H$s h¡. ~¢H$ Ho$ eo am| H$mo ZrMo C{„{IV à_wI eo a ~mOmam| _| gyMr~Õ {H$`m J`m h¡ …

1) ~m°å~o ñQ>m°H$ EŠgM|O {b.,H$mnm}aoQ> [aboeZ{en {d^mJnhbr _§{Ob, Ý y Q´>oqS>J [a¨J{\$amoO OrOr~m° Q>mdg©, Xbmb ñQ´>rQ\$moQ>©, _w§~B© - 400 001~rEgB© Hy$Q> … 532401

2) Z¡eZb ñQ>m°H$ EŠgM|O Am°\$ B§{S>`m {b.EŠgM|O ßbmOm, 5 dm§ VbßbmQ> g§ gr/1, Or ãbm°H$Ÿ~m§Ðm - Hw$bm© H$m°ånboŠg~m§Ðm(nyd©), _w§~B© - 400 051EZEgB© Hy$Q> … {dO`m ~¢H$ B©Š y EB© ~rB© ~rQ>r

3) ~|Jbya ñQ>m°H$ EŠgM|O {b.nmo.~m. g§ 2702451, ñQ>m°H$ EŠgM|O Q>mdg©nhbm H«$m°g Oo.gr.amoS>,~|Jbya - 560 027

eo a ~mµOmam| H$mo, gyMr~Õ H$aZo g§~§Yr df© 2013-2014 H$m dm{f©H$ ewëH$, {Z`V VmarI go nhbo AXm {H$`m J`m.

47

11.1 à{V y{V`m| H$m A_yVuH$aU

~¢H$m| Ho$ eo am| H$m A_yVuH$aU A{Zdm © Zht h¡ bo{H$Z ~¢H$ Zo amï´>r` à{V y{V {Zjonr {b{_Q>oS> Am¡a H|$Ðr` à{V y{V {Zjonr {b{_Q>oS> Ho$ nmg AnZo eo am| H$mA_yVuH$aU {H$`m h¡. A_yV© {H$E JE B©pŠdQ>r eo am| Ho$ {bE, ~¢H$ H$mo AmB©EgAmB©EZ Hy$Q> g§. AmB©EZB© 705A01016 Am~§{Q>V H$s JB© h¡. My§{H$ ~¢H$ Ho$eo am| H$m ì`mnma VrZ eo a ~mµOmam| _| {H$`m OmVm h¡ Bg{bE Mb-{Z{Y gm_mÝ` h¡. ~¢H$ Zo, XmoZm| {Zjo{n`m| AWm©V²; EZEgS>rEb Am¡a grS>rEgEb Ho$ nmgHw$b ñdrH¥$V ny§Or Ed§ ~¢H$ H$s Omar VWm gyMr~Õ ny§Or Ho$ g_mYmZ Ho$ {bE boIm narjm Ho$ g§~§Y _| VWm Ah© H§$nZr g{Md Ûmam, EgB©~rAmB© Ho$ {ZX}emZwgmaem{_b {H$E JE AÝ` _m_bm| Ho$ g§~§Y _| EgB©~rAmB© H$s AnojmAm| H$s ny{V© H$s h¡.

31.03.2014 H$mo eo aYmaH$m| Ûmam A_yV© Am¡a _yV© ê$n _| aIo JE eo am| Ho$ ã`m¡ao {ZåZmZwgma h¢…

Hw$b eo aYmaH$ Hw$b eo a eoYa YmaU H$m %

A_yV©ämmaV HoŸ amîQ—n{V 1 63,62,47,049 74.06

EZEgS>rEb _| AÝ` 162483 16,89,91,479 19.67

grS>rEgEb _| AÝ` 67309 2,90,17,836 3.38

HwŸb 83,42,56,364 97.11_yV©AÝ` 73254 2,48,62,943 2.89

gH$b `moJ 3,03,047 85,91,19,307 100

11.2 dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Ûmam ämwJVmZ {HŸ`m J`m bmämm§ím :

dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Zo {dËVr` dîm© 2012-13 HoŸ g§~§Üm _| ímo aÜmmaHŸm| HŸmo 25% bmämm§ím HŸm ämwJVmZ {HŸ`m. ~¢HŸ HoŸ {ZXoímHŸ _§Sb Zo {XZm§HŸ26.04.2013 HŸmo A`mo{OV _§Sb HŸr ~¡RHŸ _| bmämm§ím HoŸ {bE {g\Ÿm{aím HŸr Am¡a {XZm§HŸ 28.06.2013 HŸmo Am`mo{OV Voahdt dm{îm©HŸ gm_mÝ` ~¡RHŸ _|CgHŸr ¿mmoîmÊmm HŸr. dm{îm©HŸ gm_mÝ` ~¡RHŸ Am¡a dîm© 2012-13 HoŸ {bE A§{V_ bmämm§ím HoŸ ämwJVmZ HoŸ {bE ~hr ~§X HŸaZo HoŸ {bE {XZm§HŸ 25.06.2013go 28.06.2013 VHŸ HŸr Ad{Üm {ZÜmm©{aV HŸr J`r Ïmr. {XZm§HŸ 10.07.2013 VHŸ gämr bmämm§ím dma§Qm| HŸmo n«o{îmV {HŸ`m J`m/B©grEg O_m HŸr J`r.

AmJo, ~¢HŸ HoŸ {ZXoímHŸ _§Sb Zo {XZm§HŸ 17.04.2014 HŸmo Am`mo{OV AnZr _§Sb HŸr ~¡RHŸ _| ~¢HŸ HoŸ B©{ŠdQr ímo am| na 10% bmämm§ím ¿mmo{îmV {HŸ`m h¡AÏmm©V ` 1/- n«{V ímo a HŸm bmämm§ím. bmämm§ím ämwJVmZ HŸaZo HŸm XñVmdoOr {XZm§HŸ 29.04.2014 h¡ VÏmm gämr bmämm§ím dma§Q {XZm§HŸ 08.02.2014 HŸmon«o{îmV {HŸE JE/B©grEg O_m {HŸE JE.

11.3 ~¢HŸ HŸr ímo a ny§Or

~¢{H§ŸJ H§ŸnZr (CnHŸ«_m| HŸm AO©Z d A§VaÊm) A{Üm{Z`_ 1980 HŸr Ümmam 3(2E) HoŸ AZwgma H|ŸÐr` gaHŸma ämm{a~¢ HoŸ gmÏm nam_ím© HŸa VÏmm amOnÍm _|A{ÜmgyMZm HoŸ Ûmam n«m{ÜmH¥ŸV ny§Or HŸmo O¡gm dh C{MV g_ÂmVr h¡ ~Tm AÏmdm ¿mQm gHŸVr h¡ Am¡a Eogr ~TmoËVar AÏmdm HŸ_r HoŸ ~mX n«m{ÜmH¥ŸV ny§Or VrZ hOmaHŸamoS én`m| go A{ÜmHŸ AÏmdm EHŸ hOma nm§M gm¡ HŸamoS én`m| go HŸ_ Zht hmoJr.

{X.10.11.2009 HŸr A{ÜmgyMZm HoŸ µO{aE ämmaV gaHŸma Zo ~¢HŸ HŸr n«m{ÜmH¥ŸV ny§Or 1,500 HŸamoS go 3,000 HŸamoS d{Üm©V {HŸ`m. VXZwgma, g§n«{V ~¢HŸHŸr ny§Or ` 3,000 HŸamoS h¡ {Ogo ` 10./- HoŸ 300 HŸamoS nyÊm© n«XËV ímo am| _| {dämm{OV {HŸ`m h¡.

g§n«{V ämmaV gaHŸma HoŸ nmg ~¢HŸ HŸr B©{ŠdQr ímo a ny§Or HŸm 74.06% {hñgm h¡ VÏmm dh ~¢HŸ HŸm n«_w»m ímo aÜmmaHŸ h¡. VXZwgma, ~¢HŸ HŸr _m¡OyXm n«XËV ny§Or{ZåZmZwgma h¡ :

(` HŸamoS)n«m{ÜmH¥ŸV ny§Or :` 10/- HoŸ$ 300 HŸamoS ímo a ` 3,000.00

n«XËV ny§Or :` 10/- HoŸ$ 85,91,19,307 B©{ŠdQr ímo a

HwŸb n«XËV ny§Or ` 859.12

gmaÊmr 1 : `Ïmm 31.03.2014 HŸmo ímo a ÜmmaÊm HŸm g§dJ©dma g§{dVaÊm :

48

gmaÊmr 1 : `Ïmm 31.03.2014 HŸmo ímo a ÜmmaÊm HŸm g§dJ©dma g§{dVaÊm :

g§dJ© Ümm{aV ímoæmam| HŸr g§»`m ímo a ÜmmaÊm HŸm n«{VímV

E n«dV©HŸ HŸm ÜmmaÊm1. n«dV©H

- ämmaVr` n«dV©HŸ (ämmaV gaHŸma) 63,62,47,049 74.06- {dXoímr n«dV©HŸ — —

2. gh_{V >Ûmam H$m © H$aZo dmbo ì`{º$ — —

Cn-HwŸb 63,62,47,049 74.06

~r J¡a-n«dV©HŸ HŸm ÜmmaÊm3. g§ñÏmmJV {ZdoímHŸ

HŸ) å yMwAb \Ÿ§S d yQrAmB© 13,840 0.0016

»m) ~¢HŸ, {dËVr` g§ñÏmmE§ , ~r_m H§Ÿn{Z`m§(HoŸÝÐ/amÁ` g§ñÏmmE§/J¡a-gaHŸma g§ñÏmmE§) 6,80,10,958 7.92

J) E\ŸAmB©AmB©/E\ŸE_E\Ÿ 1,73,95,895 2.02

Cn-HwŸb 8,54,20,693 9.94

gr AÝ`HŸ) {ZOr HŸmnmo©aoQ {ZHŸm` 1,93,89,941 2.25

»m) ämmaVr` OZVm 11,30,96,649 13.16

J) EZAmaAmB©/Amogr~r 34,26,297 0.40

¿m) AÝ` HŸmoB© (g_mímmoÜmZ gXñ` d _mHo©ŸQ _oHŸa) 15,38,078 0.18

S.) {dXoímr ZmJ{aHŸ 600 0.0001

Cn-HwŸb 13,74,51,565 16.00

gHŸb `moJ 85,91,19,307 100.00

gmaÊmr 2 : `Ïmm 31.03.2014 HŸmo HwŸb {dXoímr ímo a ÜmmaÊm :HŸ«_ g§. {ddaÊm ímo am| HŸr g§»`m ímo a ÜmmaÊm HŸm n«{VímV

1 OrSrAma VÏmm ESrAma ÜmmaÊm eyÝ` eyÝ` 2 {dXoímr n«dV©HŸ eyÝ` eyÝ` 3 {dXoímr g§ñÏmmJV {ZdoímHŸ 1,73,95,895 2.02

4 {dXoímr å yÀmwAb \§ŸS eyÝ` eyÝ` 5 EZAmaAmB© 34,26,297 0.40

6 {dXoímr ~¢HŸ eyÝ` eyÝ` 7 {dXoímr amîQ—r` 600 0.0001

HwŸb 2,08,22,792 2.42

gmaÊmr 3 : `Ïmm 31.03.2014 HŸmo ~¢HŸ HoŸ 1% go A{ÜmHŸ B©{ŠdQr ímo a ÜmmaÊm HŸaZodmbo ímo a ÜmmaHŸm| HŸr gyMr :

HŸ«_ g§. ímo aÜmmaHŸm| HŸm Zm_ Ümm{aV ímoæmam| HŸr g§»`m ímo a ÜmmaÊm HŸm n«{VímV g§dJ©

1 ämmaV HoŸ amîQ—n{V 63,62,47,049 74.06 ämmaVr` n«dV©HŸ

2 ämmaVr` OrdZ ~r_m {ZJ_ 5,94,74,712 6.92 gaHŸma Ûmam n«m`mo{OV {dËVr` g§ñÏmm

49

11.4 {d{µOb ãbmoAa Zr{V :~¢HŸ Zo Am§V{aHŸ n{anÍmm| HoŸ O{aE Xmoham`m h¡ {HŸ, ñQm\Ÿ gXñ`, g§JRZ HoŸ g§~§Üm _| _hËdnyÊm© êŸn go Aga HŸaZodmbr dmñV{dHŸ gyMZmE§, {ímHŸm`V/gwÂmmdHoŸ êŸn _| C{MV _mÜ`_ HoŸ µO{aE Xo gHŸVo h¢. `{X AË`mdí`HŸ/AmnmV hmo Vmo {hM{HŸMmhQ/äm` {~Zm g_w{MV n«m{ÜmHŸmar HoŸ gmÏm grÜmo g§nH©Ÿ {HŸ`m OmgHŸVm h¡. Bg Vah ñQm\Ÿ gXñ` Agbr {d{µOb ãbmoAa HoŸ êŸn _| n«ämmdr T§J go HŸm © HŸa Eogm HŸmoB© ämr {dMbZ,{OgHŸm gwÜmma HŸaZm h¡ Am¡a Omo {HŸ g§JRZHoŸ {hV _| h¡, {d{ÜmdV êŸn go {b»mHŸa d hñVmúma HŸa n«~§ÜmZ HoŸ Ü`mZ _| bm gHŸVo h¢.

11.5 eo a ~mOma g§~§Yr Am§H$‹S>o

Aà¡b, 2013 go _mM© 2014 VH$ EZEgB© Am¡a ~rEgB© _| _m{gH$ Cƒ Am¡a {ZåZ H$moQ>oeZ Am¡a ì`mnma {H$E JE eo am| H$s _mÌm {ZåZmZwgma h¡…

Z¡eZb ñQ>m°H$ EŠgM|O(EZEgB©) Am°\$ B§{S`m {b{_Q>oS>> _mh Cƒ {ZåZ ~§X g_mßV Vmar»m eo am| Ho$ EZEgB©

(`) (`) (`) ì`mnma H$s _mÌm {ZâQrAà¡b 2013 54.50 46.95 52.55 30.04.2013 28594762 5930.20_B© 2013 56.10 50.85 51.15 31.05.2013 26346070 5985.95OyZ 2013 52.60 42.80 44.95 28.06.2013 22850615 5842.20OwbmB© 2013 47.75 38.10 40.20 31.07.2013 35641627 5742.00AJñV 2013 40.90 33.35 34.80 30.08.2013 33881828 5471.80{gV§~a 2013 41.40 34.15 35.90 30.09.2013 31283674 5735.30AŠVy~a 2013 41.55 35.85 41.30 31.10.2013 26580965 6299.15Zd§~a 2013 46.15 37.80 39.40 29.11.2013 43720631 6176.10{Xg§~a 2013 41.45 37.70 39.30 31.12.2012 12981163 6304.00OZdar 2014 41.50 36.00 37.00 31.01.2014 12281780 6089.50\$adar 2014 38.20 33.50 35.00 28.02.2014 6909876 6276.95_mM© 2014 40.50 34.80 39.90 31.03.2014 9799316 6704.20

BANK'S SHARE PRICE Vs NSE INDEX

0

1000

2000

3000

4000

5000

6000

7000

8000

A

p

r

-

1

3

M

a

y

-

1

3

J

u

n

-

1

3

J

u

l

-

1

3

A

u

g

-

1

3

S

e

p

-

1

3

O

c

t

-

1

3

N

o

v

-

1

3

D

e

c

-

1

3

J

a

n

-

1

4

F

e

b

-

1

4

M

a

r

-

1

4

0

10

20

30

40

50

60

NSE NIFTY

SHARE PRICE

~¡§H H m eo`a _yë` ~Zm_ EZEgB© gyMH m§H

eo`a _yë`

EZEgB© gyMH m§H

Aà¡b

2013

_B© 2

013

OyZ20

13

OwbmB© 2

013

AJñV

2013

{gV§~a20

13

AŠVy~a20

13

Zd§~a20

13

{Xg§~a20

13

Ozdar20

14

\$adar20

14

_mM

© 201

4

50

~m°å~o ñQ>m°H$ EŠgM|O {b{_QoS (~rEgB©) _mh Cƒ {ZåZ ~§X g_mßV Vmar»m eo am| Ho$ EZEgB©

(`) (`) (`) ì`mnma H$s _mÌm {ZâQr

Aà¡b 2013 54.40 47.00 52.45 30.04.2013 4509403 19504.18

_B© 2013 56.15 50.95 51.15 31.05.2013 4659039 19760.30

OyZ 2013 52.60 42.80 45.05 28.06.2013 3486399 19395.81

OwbmB© 2013 47.75 38.20 40.25 31.07.2013 6124600 19345.70

AJñV 2013 40.85 33.40 34.75 30.08.2013 4867261 18619.72

{gV§~a 2013 41.40 34.25 35.90 30.09.2013 4313350 19379.77

AŠVy~a 2013 41.55 35.90 41.25 31.10.2013 3576322 21164.52

Zd§~a 2013 46.10 38.00 39.35 29.11.2013 6894741 20791.93

{Xg§~a 2013 41.50 37.85 39.20 31.12.2012 2577348 21170.68

OZdar 2014 41.50 36.05 37.15 31.01.2014 3117719 20513.85

\$adar 2014 38.20 33.90 34.85 28.02.2014 1753302 21120.12

_mM© 2014 40.45 34.75 39.75 31.03.2014 2326276 22386.27

0

5000

10000

15000

20000

25000

0

10

20

30

40

50

60

~¡§H H m eo`a _yë` ~Zm_ ~rEgB© gyMH m§H

eo`a _yë`

~rEgB© gyMH m§H

Aà¡b

2013

_B© 2

013

OyZ20

13

OwbmB

© 201

3

AJñV

2013

{gV§~a20

13

AŠVy~a20

13

Zd§~a20

13

{Xg§~a20

13

Ozdar20

14

\$adar20

14

_mM

© 201

4

51

11.6. `Ïmm 31.03.2014 H$mo {dO`m ~¢H$Ÿ H$Ÿo eo aYmaU H$m _yë`-dma {dVaU

A{ÜmH¥ŸV _yë` eo aYmaH$ eo`a

Ho$ eo a - ` g§»`m à{VeV ` à{VeV

1 go 5000 262767 86.70 419520080.00 4.88

5001 go 10000 25489 8.41 219372540.00 2.55

10001 go 20000 8721 2.87 133495320.00 1.55

20001 go 30000 2212 0.72 56658780.00 0.65

30001 go 40000 1137 0.37 41637100.00 0.48

40001 go 50000 729 0.24 34668990.00 0.40

50001 go 100000 1109 0.36 82268940.00 0.95

100001 d Cggo A{YH$ 883 0.29 7603571320.00 88.50

Hw$b 303047 100.00 8591193070.00 100.00

dr. HŸÊÊmZ HoŸ. Ama. ímoÊm¡ ~r. Eg. am_m amdAÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ

dr. HoŸ. MmonSm gw_m d_m© n«HŸmím M§Ð Zbdm`m{ZXoímHŸ {ZXoímHŸ {ZXoímHŸ

AímmoHŸ JwßVm EM. harím ~ëbmb dmB©. _wabrH¥ŸîÊmm{ZXoímH {ZXoímHŸ {ZXoímHŸ

EM. Zmam`Êm ímoÅr_hm n«~§ÜmHŸ

ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

52

H§$nZr emgZ Ho$ g§~§Y _| boIm narjH$m| H$m à_mUnÌ

godm _| …

{dO`m ~¢H$ Ho$ gXñ`.

h_Zo, eo a ~mµOma Ho$ gmW ~¢H$ Ho$ gyMrH$aU H$amaZm_o Ho$ g§~§{YV I§S> 49 _| Wm {Z{X©ï> 31 _mM©, 2014 H$mo g_má df© Ho$ {bE, {dO`m ~¢HŸ Ûmam H§$nZr emgZ

H$s eVm] Ho$ AZwnmbZ H$m narjU {H$`m h¡.

H§$nZr emgZ H$s eVm] H$m AZwnmbZ, à~§Y dJ© H$s {Oå_oXmar h¡. h_mam narjU, H§$nZr emgZ H$s eVm] H$m nmbZ gw{ZpíMV H$aZo Ho$ {bE ~¢H$ Ûmam AnZmB© JB©

à{H«$`mAm| Am¡a CgHo$ H$m`m©Ýd`Z VH$ gr{_V Wm. `h Z Vmo boIm narjm h¡ Z hr ~¢H$ Ho$ {dËVr` {ddaUm| na A{^ì`ŠV am`.

h_| {XE JE ñnï>rH$aU Ho$ AmYma na, h_mar am` d gdmo©ËV_ OmZHŸmar _|, ~¢H$ D$na C{„{IV gyMrH$aU H$amaZm_o _| `Wm {Z{X©ï> H§$nZr emgZ H$s eVm] H$m nmbZ

{H$`m h¡ Am¡a ^maVr` [aµOd© ~¢H$ HoŸ {Xem{ZX©oemo| HŸm Cëb§¿mZ Zht hþAm h¡.

h_ `h C„oI HŸaVo h¢ {H$ eo aYmaH$m| Am¡a {ZdoeH$Vm© {eH$m`V g{_{V Ûmam aIo JE Am¡a ~¢H$ Ho$ a{OñQ²—ma Am¡a eo a A§VaU EO|Q> Ûmam `Wm à_m{UV, A{^boIm|

Ho$ AZwgma ~¢H$ Ho$ {Ibm\$ {ZdoeH$Vm© H$s, A{YH$V_ EH$ _hrZo go A{YH$ H$moB© {eH$m`V b§{~V Zht h¡.

AmJo h_ C„oI H$aVo h¢ {H$ Eogm AZwnmbZ, ~¢H$ H$s ^mdr ì`dhm ©Vm Ho$ ~mao _| Z H$moB© AmídmgZ h¡ Z hr ~¢H$ H$m H$m_H$mO MbmZo _| à~§Y dJ© H$s XjVm AWdm

j_Vm H$m g§Ho$V h¡.

H¥ŸVo _ogg© _wHwŸÝX E_ {MVmbo EÊS H§Ÿ. H¥ŸVo _ogg© HŸam© EÊS H§Ÿ.gZXr boImH$ma gZXr boImH$ma

n§OrHŸaÊm g§.106655Sãë y n§OrHŸaÊm g§.001749Eg

(Aäm` dr.HŸm_V) (Ama.gw§Xa)gmÂmoXma gmÂmoXma

gXñ`Vm g§.039585 gXñ`Vm g§.014213

H¥ŸVo _ogg© EZ.gr.{_ËVb EÊS H§Ÿ. H¥ŸVo _ogg© HoŸnrE_gr EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma

n§OrHŸaÊm g§.000237EZ n§OrHŸaÊm g§.005359gr

(EZ.gr.{_ËVb) (g§O` _oham)gmÂmoXma gmÂmoXma

gXñ`Vm g§.14213 gXñ`Vm g§.75488ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

53

31 _mM©, 2014 H$m VwbZ-nÌ {ddaÊm AZwgyMr [` NmoS {X`m J`m h ¡]

g§»`m 31.03.2014 31.03.2013HŸr {ñÏm{V HŸr {ñÏm{V

ny§y§Or Am¡a Xo VmE±ny§Or 1 859 11 94 1695 53 91Ama{úm{V`m§ Am¡a A{Ümímoîm 2 5028 80 44 3863 11 18O_mam{e`m§ 3 124296 15 93 97017 23 68CYma 4 4744 79 86 6391 81 65AÝ` XoZXm{a`m§ VWm àmdYmZ 5 2429 73 11 2014 04 60

OmoS>> 137358 61 28 110981 75 02AmpñV`m §^maVr` {aµOd© ~¢HŸ _| ZHŸXr Am¡a ímoîm 6 5540 20 76 3917 69 72~¢HŸm| _| ímoîm Am¡a _m§J VÏmm Aën gyMZm na n«{VXo am{ím 7 3917 44 83 2727 05 28{d{ZÜmmZ 8 42585 38 48 31284 96 53A{J«_ 9 81504 03 21 69765 76 21AMb AmpñV`m§ 10 528 94 55 476 73 66AÝ` AmpñV`m§ 11 3282 59 45 2809 53 62

OmoS>> 137358 61 28 110981 75 02

AmH$pñ_H$ Xo VmE§ 12 13130 99 95 15114 53 07dgybr HoŸ {bE {~b 2227 43 58 1882 54 50bo»mm Zr{V`m§ 17bo»mm| na {Qßn{Êm`m§ 18

DŸna g§X{äm©V _hËdnyÊm© bo»mmHŸaÊm Zr{V`m± Ed§ AZwgy{M`m± VwbZ-nÍm HŸm EHŸ A{ämÝZ ämmJ ~ZVr h¢.




EM Zmam`Êm ímoÅr_hm n«~§ÜmHŸ

h_mao g_ {XZm§HŸ HŸr {anmoQ© HoŸ AZwgma

H¥ŸVo _ogg© _wHwŸÝX E_ {MVmbo EÊS H§Ÿ. H¥ŸVo _ogg© HŸam© EÊS H§Ÿ. H¥ŸVo _ogg© EZ.gr.{_ËVb EÊS H§Ÿ. H¥ŸVo _ogg© HoŸnrE_gr EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma

n§OrHŸaÊm g§.106655Sãë`y n§OrHŸaÊm g§.001749Eg n§OrHŸaÊm g§.000237EZ n§OrHŸaÊm g§.005359gr

(Aäm` dr.HŸm_V) (Ama.gw§Xa) (EZ.gr.{_ËVb) (g§O` _oham)gmÂmoXma gmÂmoXma gmÂmoXma gmÂmoXma

gXñ`Vm g§.039585 gXñ`Vm g§.022448 gXñ`Vm g§.14213 gXñ`Vm g§.075488

ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

54

31 _mM©, 2014 H$mo g_má df© H$m bm^ d hm{Z boIm {ddaÊm AZwgyMr [` NmoS {X`m J`m h ¡]

g§»`m 31.03.2014 31.03.2013H$mo g_mßV df© H$o${bE H$mo g_mßV df© H$o${bE

I. Am`A{O©V ã`mO 13 10706 55 69 9051 88 45AÝ` Am` 14 709 87 43 606 99 80

OmoS> > 11416 43 12 9658 88 25II. ì``

ì`` {H$`m J`m ã`mO 15 8623 14 76 7173 88 39àMmbZ ì`` 16 1689 55 33 1362 97 39Cn~§Y Am¡a AmH$pñ_H$ ì`` 687 82 17 536 41 55

OmoS> > 11000 52 26 9073 27 33III. bm^ / hm{Z

df© H$o${bE {Zdb bm^ 415 90 86 585 60 92OmoSoµ : AmJo bm`m J`m bm^ 958 98 84 934 97 27¿mQmE§ : Ymam 36 (1) (viii) H$o$AÜmrZ {deof AmajU na SrQrEb HŸm g¥OZ 157 62 10 —OmoSoµ : gm_mÝ` Ama{úm{V go A§VaÊm — 15

OmoS > 1217 27 60 1520 58 24IV. {d{Z`moOZ

gm§{d{Y Ama{j{V _o§ A§VaU 103 97 72 146 40 23Am` H$a A{Y{Z`_ H$s Ymam 36 (1) (viii) H$o$ AZwgma {deof AmajU _o| A§VaU — 90 00 00ny§Or Ama{úm{V _| A§VaÊm 13 64 01 60 91 78gm_mÝ` Ama{j{V _§o A§VaU — —A§V{a_ bmämm§ím (HŸa g{hV) 64 87 06 —àñVm{dV bm^m§e - B©{H$dQ> eo a n§yOr (H$a g{hV) 100 51 27 144 93 90àñVm{dV bm^m§e A{Y_mÝ` eo a ny§Or (H$a g{hV) — 119 33 49VwbZ nÌ _o| AmJo bo Om`m J`m eof 934 27 54 958 98 84

OmoS>>> 1217 27 60 1520 58 24

n«{V ímo a AO©Z - ~o{gHŸ (é. _|) 7.64 9.41- SmBë yQoS (é. _|) 7.64 9.41

boIm Zr{V`m§ 17boImo| na {Q>ßn{U`m§§ 18

DŸna g§X{äm©V _hËdnyÊm© bo»mmHŸaÊm Zr{V`m± Ed§ AZwgy{M`m± VwbZ-nÍm HŸr EHŸ A{ämÝZ ämmJ ~ZVr h¢.


dr. Ho.Ÿ MmonSm gw_m d_m© n«HŸmím M§Ð Zbdm`m{ZXoímHŸ {ZXoímHŸ {ZXoímHŸ








ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

55

VwbZ nÍm d bmäm hm{Z bo»mm HŸr AZwgy{M`m±[` OOO NmoS {X`m J`m h¡¡]

{ddaÊm 31.03.2014 31.03.2013

HŸr {ñÏm{V HŸr {ñÏm{V

AZwgyMr - 1 :n§yOrn«m{ÜmH¥ŸV ny§Or 3000 00 00 3000 00 00n«{V ` 10/- HoŸ 300,00,00,000 ímo a

Omar A{ämXËV Am¡a _m§Jr J`r ny§Orn«{V ` 10/- HoŸ 85,91,19,307 B©{ŠdQr ímo a({nNbo dîm© n«{V ` 10/- HoŸ 49,55,38,994 B©{ŠdQr ímo a) 859 11 94 495 53 91n«{V ` 10/- HoŸ 120,00,00,000 ímmñdV J¡a-g§M`r A{Üm_mÝ` ímo a — 1200 00 00

n«XËV ny§Or(H$) H|$Ð gaH$ma Ûmam Ümm{aV n«{V ` 10/- HoŸ 63,62,47,049 B©{ŠdQr ímo a

({nNbo dîm© n«{V ` 10/- HoŸ 27,26,66,736 B©{ŠdQr ímo a) 636 24 71 272 66 68(I)gmd©O{ZHŸ Am¡a AÝ` Ûmam Ümm{aV n«{V ` 10/- HoŸ 22,28,72,258 B©{ŠdQr ímo a

({nNbo dîm© n«{V 22,28,72,258 B©{ŠdQr ímo a) 222 87 23 222 87 23(J) (H|ŸÐ gaHŸma Ûmam Ümm{aV n«{V ` 10/- HoŸ 120,00,00,000 ímmñdV J¡a-g§M`r

A{Üm_mÝ` ímo a Omo dm{îm©HŸ AñÏmmB© HyŸnZ na h¡ VÏmm 100 ~o{gg nmBªQ HoŸ {dñVmaÊm HoŸgmÏm {anmo Xa HŸm ~|M_mH©Ÿ h¡ d {Ogo g§JV Vmar»m HŸmo Mmby {anmo Xa Ho AmÜmma na Ÿdm{îm©HŸ êŸn go g_m`mo{OV {HŸ`m OmEJm) — 1200 00 00

{Xg~§a 2014 {V_mhr _| ~¢HŸ Zo ämmaV gaHŸma HŸmo n«{V ` 10/- HoŸ 5,89,34,464 B©{ŠdQrímo a, n«{V ímo a ` 32.42 n«r{_`_ na Omar {HŸ`m h¡. _mM© 2014 _| ~¢HŸ Zo ämmaV gaHŸmaÛmam Ümm{aV ` 1200 HŸamoS HoŸ ímmídV J¡a-g§M`r A{Üm_mZ ímo a HŸmo n«{V ` 10/- HoŸA§{HŸV _yë` HoŸ n«{V ímo a ` 29.39 n«r{_`_ na B©{ŠdQr ímo a HoŸ êŸn _| n{ad{V©V {HŸ`m h¡

OmoS> > 859 11 94 1695 53 91

AZwgyMr - 2 :Ama{úm{V`m§ Am¡a A{ÜmímoîmI. gm§{d{ÜmHŸ Ama{úm{V

{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 1233 74 25 1087 34 02OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z 103 97 71 146 40 23

OmoS> > 1337 71 96 1233 74 25

II. ny§Or Ama{úm{V{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 338 25 45 277 33 67OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z 13 64 01 60 91 78

OmoS > 351 89 46 338 25 45

III. ímo a n«r{_`_{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 592 97 88 592 97 88OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z 1086 41 97 —

OmoS > 1679 39 85 592 97 88

IV. nwZ_y©ë`m§HŸZ Ama{úm{V{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 262 62 40 277 52 74OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z — —KQ>mE§ : bmäm - hm{Z »mmVo go g_m`mo{OV Ad_yë`Z HoŸ n«{V HŸQm¡Vr 13 63 13 14 90 34

OmoS > 248 99 27 262 62 40

56

[` OOO NmoS {X`m J`m h¡]

{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 2 : (Omar........)

V. amOñd Am¡a AÝ` Ama{úm{V`m§(HŸ) Am` H$a A{Üm{Z`_ HŸr Ümmam 36(1) (viii) HoŸ AZwgma {dímoîm Ama{úm{V

{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 463 72 74 373 72 74OmoS : dîm© HoŸ Xm¡amZ n{adÜm©Z — 90 00 00

OmoS> > 463 72 74 463 72 74(»m)gm_mÝ` Ama{úm{V

{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 12 79 62 12 79 67OmoS/(¿mQmE±) : dîm© HoŸ Xm¡amZ A§VaÊm — (5)

OmoS > 12 79 62 12 79 62

[[J] bm^-hm{Z bo»mm _| ímoîm am{ím 934 27 54 958 98 84

OmoS> > 934 27 54 958 98 84

OmoS>> (HŸ+»m+J) 1410 79 90 1435 51 20

OmoS> { I+II+III+IV+V} 5028 80 44 3863 11 18

AZwgyMr - 3 :

O_mam{ím

^maV _| O_mam{ím

I. _m§J O_mi) ~¢HŸm| go 15 57 53 13 33 37ii) AÝ` go 5881 67 32 5203 10 67

II. ~MV ~¢HŸ O_mam{ím`m§ 16977 97 64 15132 77 32

III. gmd{Üm O_mam{ím`mi) ~¢HŸm| go 323 10 63 303 52 66ii) AÝ` go 101097 82 81 76364 49 66

OmoS> 124296 15 93 97017 23 68

AZwgyMr - 4 :CYmaI. ^maV _| CYma

i) ^maVr` {aµOd© ~¢HŸ 350 00 00 350 00 00ii) AÝ` ~¡§HŸ — 350 00 00iii) AÝ` g§ñWm Am¡a A{ämHŸaÊm 2644 79 86 4191 54 51

57


{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 4 : (Omar........)

iv) Jm¡Êm FÊm - {Q`a - && ny§Or HoŸ êŸn _| d{Üm©V ~m§S1) 7.15% HŸr Xa go 10 dîmr© d 3 _hrZo HoŸ ~m§S 2015 250 00 00 250 00 002) 9.25% HŸr Xa go 10 dîmr© ~m§S 2016 250 00 00 250 00 003) 10.10% HŸr Xa go 15 dîmr© ~m§S 2022 300 00 00 300 00 004) 9.50% HŸr Xa go 10 dîmr© d 3 _hrZo HoŸ ~m§S 2017 200 00 00 200 00 005) 9.35% HŸr Xa go 10 dîmr© d 4 _hrZo HoŸ ~m§S 2018 200 00 00 200 00 006) 9.45% HŸr Xa go 15 dîmr© ~m§S 2023 300 00 00 300 00 007) 9.73% HŸr Xa go 10 dîmr© ~m§S 2023 250 00 00 —

II. ^maV go ~mha CÜmma — 27 14

OmoS > 4744 79 86 6391 81 65AZwgyMr - 5 :AÝ` XoZXm{a`m§ d àmdYmZ(i) Xo {~b 417 15 42 386 38 89(ii) n«moX²ämyV ã`mO 325 22 24 262 08 16(iii) _mZH$ AmpñV`m| HoŸ n«{V àmdYmZ 424 01 53 342 18 53(iv) AÝ` [ àmdYmZm| g{hV ] 1051 45 13 1023 39 02(v) A§Va H$m`m©b` g_m`moOZ [ {Zdb ] 136 76 30 —(vi) AmñÏm{JV HŸa Xo Vm [ {Zdb ] 75 12 49 —

OmoS>> 2429 73 11 2014 04 60AZwgyMr - 6 :^maVr` {aµOd© ~¢HŸ _| ZHŸXr Am¡a ímoîmI. hmW _| ZH$Xr ( {dXoímr H$a|gr ZmoQm| g{hV) 373 49 97 417 56 30II. Mmby »mmVo _| ^maVr` {aµOd© ~¢HŸ _| ímoîm 5166 68 72 3500 13 42III. AÝ` ImVm| _| ^maVr` {aµOd© ~¢HŸ _| ímoîm 2 07 —

OmoS>> 5540 20 76 3917 69 72

AZwgyMr - 7 :~¢HŸmo§ _| ímoîm Am¡a _m§J VÏmm Aën gyMZm na n«{VXo am{ímI. ^maV _|

(i) ~¢HŸm| _| ímoîm(H$) Mmby ImVm| _| 76 37 89 92 32 25(I$) AÝ` O_m ImVm| _| 63 69

(ii) _m§J VWm Aën gyMZm na n«{VXoím am{ím(H$) ~¢HŸm| HoŸ gmÏm 22 48 13 61 5 19 94 25(I) AÝ` g§ñWmAm| HoŸ gmÏm 8 79 43 25 2050 00 00

OmoS>>> 3203 95 38 2662 27 19

58


{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 7 : (Omar........)II. ^maV HoŸ ~mha

(H$) Mmby ImVm| _| 97 09 76 16 73 42(I) AÝ` O_m ImVm| _| 616 39 69 48 04 67

OmoS> 713 49 45 64 78 09

OmoS> {I+II} 3917 44 83 2727 05 28

* Zm°ñQ—mo n«{VêŸn ímoîm _| Ag_m`mo{OV _X VÏmm {dMmamÜmrZ am{ím ímm{_b h¡.

AZwgyMr - 8 :{d{ZÜmmZ^maV _| {d{ZÜmmZ [gHŸb] 42833 77 92 31504 02 47KQ>mE§ : Ad_yë`Z Ed§ A{ZînmXHŸ {Zdoím HoŸ {bE àmdYmZ 248 39 44 219 05 94ämmaV _| {Zdb {d{ZÜmmZ 42585 38 48 31284 96 53{díboîmÊmi) gaH$mar n«{Vämy{V`m§ 33263 69 52 26061 07 42ii) AÝ` AZw_mo{XV n«{Vämy{V`m§ 2 53 17 3 57 85iii) ímo`a 188 24 54 187 39 58iv) {S~|Ma Am¡a ~m§S 3710 53 42 1617 48 23v) gh g§ñÏmmAm| _| {Zdoím (B©{ŠdQr nÕ{V na) — 1 94 52vi) AÝ` ( y{ZQ,{HŸgmZ/ B§{Xam {dHŸmg nÍm, Zm~mS©-AmaAmB©S>rE\$, nrEg y O_mam{ím`m§) 5420 37 83 3413 48 93

OmoS>> 42585 38 48 31284 96 53AZwgyMr - 9 :A{J«_[H$ ] i) »marXo JE d ämwZmE JE {~b 1921 78 92 1752 84 50

ii) ZH$X CYma, Amod>S²«µ«mâQ Am¡a _m§J na {XE G$U 32786 52 05 31467 31 72iii) gmd{Üm G$U 46795 46 45 36545 34 07iv) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 25 79 25 92

OmoS > > > 81504 03 21 69765 76 21

[I] i) _yV© AmpñV`m| Ûmam n«{VämyV (~hr FÊm HoŸ n«{V A{J«_ ímm{_b h¡§) 62369 86 51 49692 51 19ii) ~¢HŸ$/gaH$mar n«Ë`mämy{V`m| Ûmam a{úmV 3732 86 76 5096 16 30iii) An«{VämyV 15401 04 15 14976 82 80iv) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 25 79 25 92

OmoS > > > > 81504 03 21 69765 76 21[J] ^maV _| A{J«_

i) n«mÏm{_HŸVm úmoÍm 22070 55 72 19215 39 11ii) gmd©O{ZHŸ úmoÍm 15002 61 12 8725 00 42iii) ~¢HŸ 1173 01 69 755 33 01iv) AÝ` 43257 58 89 41069 77 75v) H¥Ÿ{îm FÊm NyQ `moOZm - 2008 HoŸ AÜmrZ n«mß` Xmdo 25 79 25 92

OmoS>>>>> 81504 03 21 69765 76 21

59

[` OOO NmoS {X`m J`m h¡¡]

{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 10 : 31.03.2014 31.03.2013AMb AmpñV`m§I. n{aga

gHŸb ãbmHŸ [bmJV na/nwZ_©yë`m§{HŸV am{ím]{nNbo VwbZ nÍm HoŸ AZwgma 591 25 90 591 13 36dîm© HoŸ Xm¡amZ n{adÜm©Z 16 08 89 12 54dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ — —

607 34 79 591 25 90

_yë`õmg{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 263 67 20 245 66 16OmoS| : dîm© HoŸ Xm¡amZ n«ämm{aV _yë`õmg 17 05 88 18 01 04KQ>mE§ : dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ — —AÚVZ _yë`õmg- nwZ_©yë`m§HŸZ HoŸ {Z{_ËV21,11,559 hµOma aH$_ g{hV({nNbo df© : 19,62,527 hµOma) 280 73 08 263 67 20

_yë`õm{gV _yë` 326 61 71 327 58 70

II. AÝ` AMb AmpñV`m[\$ZuMa VWm OwS>Zma g{hV]gHŸb ãbm°HŸ (bmJV na){nNbo VwbZ nÍm HoŸ AZwgma 536 41 76 497 92 68dîm© HoŸ Xm¡amZ n{adÜm©Z 115 32 31 48 10 36

651 74 07 546 03 04dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ 18 06 26 9 61 28

633 67 81 536 41 76

_yë`õmg{nNbo VwbZ nÍm HoŸ AZwgma ímoîm 387 26 80 356 45 09OmoS| : dîm© HoŸ Xm¡amZ n«ämm{aV _yë`õmg 60 91 88 39 32 76

448 18 68 395 77 85KQ>mE§ : dîm© HoŸ Xm¡amZ HŸQm¡{V`m§ 16 83 71 8 51 05

AÚVZ _yë`õmg 431 34 97 387 26 80

_yë`õm{gV _yë` * 202 32 84 149 14 96* {nNbo dîm© ` 10/- HŸr am{ímdmbo ~ÅmJV Am{ñV`m|HŸm Sãë ySrdr ímm{_b h¡

OmoS > 528 94 55 476 73 66

60


{ddaÊm 31.03.2014 31.03.2013


AZwgyMr 11 :

AÝ` AmpñV`m§

i. n«moX²ämyV ã`mO 895 61 50 724 65 98

ii. A{J«_ êŸn go n«XËV /g«moV na HŸmQm J`m HŸa (àmdYmZ H$m {Zdb) 1685 73 94 1505 53 41

iii. AmñÏm{JV H$a AmpñV ({Zdb) — 14 53 78

iv. bo»mZ gm_J«r Am¡a ñQ¡ån 1 37 89 86 78

v. Xmdm| H$s g§VwpîQ> _| àmá H$s JB© J¡a ~¢{H§ŸJ AmpñV`m§ 7 62 7 62

vi. AÝ` (àmdYmZ H$m {Zdb) 580 67 25 286 03 35

vii. An{aímmoÜmZ-J«oQ² w{Q d n|ímZ 119 11 25 238 22 50

viii. A§Va-HŸm`m©b` g_m`moOZ ({Zdb) — 39 60 20

OmoS > > > 3282 59 45 2809 53 62

AZwgyMr 12 :AmH$pñ_H$ Xo VmE§

i. ~¢HŸ HoŸ {»mbmµ\Ÿ Xmdo {OÝh| G$U HoŸ êŸn _| ñdrH$ma Zht {HŸ`m J`m h¡ 77 84 56 71 18 37

ii. A§eV: àXËV {d{ZYmZm| HoŸ {bE Xo VmE§ — —

iii. ~HŸm`m dm`Xm {d{Z_` g§{dXmAm| HoŸ n«{V Xo VmE§ 5098 90 86 7344 57 36

iv. ^maV _| KQ>H$m| H$s Amoa go Xr J`r n«{Vämy{V`m± 5210 36 72 4966 19 88

v. n«{V-J«hU, n¥îRm§HŸZ Am¡a AÝ` ~mÜ`VmE§ 1403 25 72 1594 63 55

vi. AÝ` _X| {OZHoŸ {bE ~¢HŸ g_m{lV êŸn go CËVaXm`r h¡ 1314 50 86 1112 67 46

vii. {Zînm{XV {HŸE OmZo HoŸ {bE ~mHŸr ny§OrJV HŸama 26 11 23 25 26 45

OmoS>>> 13130 99 95 15114 53 07

61


{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 13 :

A{O©V ã`mO

i. A{J«_m| /{~bm| na ã`mO /~Åm 7713 61 27 6809 27 79

ii. {d{ZÜmmZm| na Am` 2605 01 89 2158 42 97

iii. ^maVr` {aµOd© ~¢HŸ HoŸ ímoîmm| Am¡a AÝ` A§Va ~¢HŸ {Z{Üm`m| na ã`mO 3 04 91 2 77 09

iv. AÝ` 384 87 62 81 40 60

OmoS>>>> 10706 55 69 9051 88 45

AZwgyMr - 14 :

AÝ` Am`

i. H$_reZ,{d{Z_` Am¡a Xbmbr 100 37 54 95 62 79

ii. {d{ZÜmmZm| HoŸ {dHŸ« na bmäm 234 15 97 160 97 67

KQ>mE§ : {d{ZÜmmZm| HoŸ {dHŸ« go hm{Z 43 90 98 47 85 86

190 24 99 113 11 81

iii. {d{ZÜmmZm| HoŸ nwZ_©yë`m§HŸZ na {Zdb bmäm /(hm{Z) — —

KQ>mE§ : EMQrE_ n«{Vämy{V`m| na n«r{_`_ HŸm n{aímmoÜmZ — —

— —

iv. ämy{_, ^dZm| Am¡a AÝ` AmpñV`m| HoŸ {dHŸ« na bm^ 16 79 24 50

KQ>mE§ : ämy{_, ^dZm| Am¡a AÝ` AmpñV`m| HoŸ {dHŸ« go hm{Z 37 62 37 23

(20 83) (12 73)

v. {d{Z_` boZXoZ na bm^ 69 12 09 61 05 35

KQ>mE§ : {d{Z_` boZXoZ na hm{Z 1 70 1 96

69 10 39 61 03 39

vi. {d{dÜm Am` 350 35 34 337 34 54

OmoS>>> { i+ii+iii+iv+v+vi } 709 87 43 606 99 80

AZwgyMr - 15 :

ì`` {HŸ`m J`m ã`mO

i. O_mam{ím`m| na ã`mO 8355 53 12 6848 89 65

ii. ^maVr` {aµOd© ~¢H /A§Va ~¢HŸ CÜmmam| na ã`mO 1 32 37 5 58 40

iii. AÝ` 266 29 27 319 40 34

OmoS>>> 8623 14 76 7173 88 39

62


{ddaÊm 31.03.2014 31.03.2013


AZwgyMr - 16 :n«MmbZ ì``i. HŸ_©Mm{a`m§o HŸmo ämwJVmZ Am¡a CZHoŸ {bE ì`dñÏmm 1039 80 47 848 58 75

ii. {HŸam`m,HŸa Am¡a amoímZr 128 12 31 109 71 31

iii. _wÐÊm Am¡a bo»mZ gm_J«r 13 43 67 10 29 09

iv. {dkmnZ Am¡a n«Mma 10 90 49 10 22 31

31.03.2014 31.03.2013

v. ~¢HŸ HŸr g§n{ËV na _yë`õmg 77 77 74 56 36 06

KQ>mE§ : nwZ_y©ë`Z Ama{úm{V go g_m`mo{OV _yë`õmg 13 63 12 14 90 33 64 14 62 41 45 73

vi. {ZXoeH$mo| H$m ímwëHŸ, ^Îmm Am¡a ì`` 81 09 83 00

vii. bo»mm narúmHŸm| HoŸ ímwëHŸ Am¡a ì`` [ímm»mm bo»mm narúmHŸm| g{hV] 15 20 62 10 79 35

viii. {d{Üm n«ämma 63 61 81 48

ix. S>mH$, Vma Am¡a Qo{b\ŸmoZ Am{X 21 14 62 17 44 78

x. _aå_V Am¡a AZwajU 3 66 03 3 27 03

xi. ~r_m 94 70 33 65 70 51

xii. AÝ` ì`` 296 97 47 243 84 05

OmoS>>>> 1689 55 33 1362 97 39

dr. HŸÊÊmZ HoŸ.Ama. ímoÊm¡ ~r. Eg. am_m amdAÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ






n§OrHŸaÊm g§.106655Sãë y n§OrHŸaÊm g§.001749Eg n§OrHŸaÊm g§.000237EZ n§OrHŸaÊm g§.005359gr



ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

63

AZwgyMr-17_hËdnyÊm© bo»mm Zr{V`m§ 2013-141. bo»mm n{anmQr :

AÝ`Wm C{ëb{»mV ~mVmo§ HŸmo NmoSHŸa, {dËVr` {ddaU, Eo{Vhm{gH$bmJV AmYma na V¡`ma {H$E JE h¢ Am¡a do ämmaVr` {aOd© ~¢HŸ(ämm.{a.~¢.) Ûmam Omar {Xímm{ZXo©ímm| HoŸ gmÏm n{RV bmJy bo»mm _mZHŸHoŸ AZwHyŸb h¡ VÏmm Oh±m VH$ bmJy hmo, H§ŸnZr(boI§mH$Z _mZH$){Z`_,2006 Ho$ AZwgma h¡ Omo gm§{d{ÜmHŸ àmdYmZm| VWm ämmaV _| ~¢{H§ŸJCÚmoJ _| àM{bV ì`dhma HoŸ AZwêŸn h¡.

gm_mÝ`V: ñdrH¥ŸV bo»mm {gÕm§V HoŸ AZwHyŸb {dËVr` {ddaÊmr V¡ maHŸaZo HoŸ {bE n«~§ÜmZ HŸmo {anmoQ© HŸr J`r Am{ñV`m| HŸr am{ím, Xo VmE§,amOñd, {dËVr` {dda{Êm`m| _| ì`` VÏmm AmHŸ{ñ_HŸ Xo VmAm| HoŸ n«HŸQZHŸmo n«ämm{dV HŸaZodmbo AZw_mZ VÏmm AmHŸbZ HŸaZm OêŸar h¡. n«~§ÜmZHŸm _mZZm h¡ {HŸ {dËVr` {dda{Êm`m| HŸr V¡ mar _| n« wŠV AmHŸbZ{ddoHŸímrb VÏmm C{MV h¡. bo»mm AmHŸbZ _| {HŸgr ämr g§ímmoÜmZ HŸmodV©_mZ VÏmm äm{dî` HoŸ {bE A{ämkßV {HŸ`m OmVm h¡.

2. {dXoímr _wÐm boZ-XoZ :

(I) E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm| go {ämÝZ boZ-XoZ

(H$) XmoZm| AmpñV`m| `m Xo VmAm| HoŸ A§VJ©V ^maVr` {dXoer_wÐm ì`mnmar g§K {dXoer _wÐm ímoîmam{ím H$m ~H$m`m VWmdm`Xm {d{Z_` g§{dXmAm| H$m _yë`m§H$Z dfmªV Xam| go(E\$B©S>rEAmB©) Ûmam {Z{X©îQ>mZwgma {H$`m J`m h¡.n{aUm_r bm^/hm{Z H$mo bm^/hm{Z ImVo HoŸ êŸn _|Xem© m J`m h¡.

(I) Am` Am¡a ì`` _Xm| HŸmo, boZ-XoZ H$s VmarIm| H$mo{dÚ_mZ {d{Z_` Xam| HoŸ AZwgma aIm J`m h¡.

(J) {dXoer _wÐmAm| _| Omar Jma§{Q`m| Am¡a gmI nÍmm| g{hVñdrH¥${V`m|, n¥îR>m§H$Zm| Am¡a AÝ` ~mÜ`VmAm| HoŸ {Z{_ËVàmg§{JH$ Xo VAm| H$m, {OÝh| VwbZ-nÌ _| Xem© m J`mh¡, dfmªV _| {dÚ_mZ {d{Z_` Xam| go _yë`m§H$Z {H$`mJ`m h¡.

(II) E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm| go g§~§{ÜmVboZ-XoZ :

C{MV ã`mO g{hV E\$grEZAma/B©B©E\$gr/AmaE\$gr ImVm|_| {dXoer _wÐm O_mam{ím`m| H$mo VWm VXZwê$nr AmpñV`m| HŸmo~mµOma go OwS>r hþB© H$mën{ZHŸ$ Xam| HoŸ AZwêŸn aIm J`m h¡,{OZH$s Amd{ÜmHŸ$ êŸn go g_rjm H$s OmVr h¡. dfmªV _| AmpñV

d Xo VmAm| HŸmo E\$S>rEAmB© Ûmam {ZYm©{aV md na nwZ_y©ë`m§o{H$V{H$`m OmVm h¡. n{aÊmm_r bmäm/ hm{Z HŸmo Am`/hm{Z Ho$ êŸn_o§ Xem© m OmVm h¡.

3. {d{ZYmZ

(I) {d{ZÜmmZ HŸmo {d{ZYmZ dJr©H$aU d _yë §mH$Z na dV©_mZ^m{a~¡§H$ Ho$ _mJ©{ZXo©emZwgma boIm§{H$V {H$`m OmVm h¡VWm {ZåZ N>h g_yhm| _| dJuH¥$V H$a VwbZ-nÌ _|nwZ…Xem© m J`m h¡ :

(H$) gaH$mar n«{Vämy{V`m§

(I) AÝ` AZw_mo{XV n«{Vämy{V`m§

(J) ímo`a

(K) {S~|Ma Am¡a ~m§S

(L>) AZwf§Jr g§ñWmAm|/g§ wŠV CnHŸ«_m| _| {d{ZÜmmZ

(M) AÝ` (dm{ÊmpÁ`H$ nÌ, å yMwAb \§$S> H$s y{ZQ>| Zm~mS>©-AmaAmB©S>rE\$, CÚ_ ny§Or {Z{Üm Am{X)

(II) ~¢HŸ HoŸ {d{ZÜmmZ g§{dämmJ HŸm {ZåZ VrZ lo{Êm`m| _|dJr©H¥ŸV {HŸ`m J`m h¡:

(H$) n{anŠd hmoZo VHŸ a»mo JE

(I$) {~HŸ«r HoŸ {bE CnbãÜm

(J) ì`mnma HoŸ {bE a»mo JE

~¢H , A{ämJ«hÊm HoŸ g_` n«Ë oHŸ H$s loÊmr {Z{íMV H$a Am¡a CgH$mVXZwgma dJuH$aU H$aVm h¡. A§VaU HoŸ {XZm§HŸ HŸmo A{ÜmJ«hÊm bmJV/~hr _yë`/~mµOma _yë` H$s {ZåZV_ Xa na EH$ dJ© go Xygao dJ© _|n«{Vämy{V`m|| H$m A§VaÊm {H$`m OmVm h¡. Eogo A§VaUm| na `{X HŸmoB©_yë`õmg hmo Vmo CgHoŸ {bE nyam àmdYmZ {H$`m OmVm h¡ Ed§ VXZwgman«{Vämy{V HŸm ~hr _yë` ~Xb {X`m OmVm h¡.

(III) _yë`m§H$Z

(H$) n{anŠd hmoZo VHŸ a»mo JE

(i) Bg loÊmr HoŸ A§VJ©V dJuH¥$V {d{ZYmZm| H$m_yë`m§H$Z dfmªV _| A{^J«hU bmJV na {HŸ`mJ`m h¡ na§Vw Ohm§ A{^J«hU bmJV A§{HŸV _yë`go A{ÜmHŸ hmo dhm§ àr{_`_ H$mo pñWa bm^àUmbr H$o$ AZwgma A_yV© {H$`m OmVm h¡.

(ii) AZwf§Jr g§ñWmAm|/g§ wŠV CnHŸ«_m| _| {d{ZÜmmZHoŸ _m_bo _|, _yë` _| HŸmoB© õmg hmoZo na AñWmB©go {ämÝZ {d{ZÜmmZ HŸmo nhMmZm J`m h¡ Am¡a

64

AbJ-AbJ êŸn go n«Ë oHŸ {d{ZÜmmZ HoŸ {bEàmdYmZ {H$`m J`m h¡. AmaAma~r VWm CÚ_ny§Or {Z{Üm _| {d{ZYmZ H$m _yë`m§H$Z A{^J«hUbmJV na {HŸ`m J`m h¡.

(iii) Bg loÊmr _| {d{ZÜmmZ HoŸ {~HŸ«r na A{O©V bm^HŸmo nhbo bm^-hm{Z bo»mm _| {b`m J`m h¡ Am¡aVXZ§Va ‘n§ y §OrJV Ama{úm{V »mmV o’ _|{d{Z`mo{OV {HŸ`m J`m h¡.{Zdoím HŸr {~HŸ«r nahþB© hm{Z HŸmo bmäm-hm{Z »mmVo _| Xímm© m J`m h¡.

(I) {~HŸ«r HoŸ {bE CnbãÜm

H$ gaH$mar n«{V y{V ±m {ZYm©{aV Am` _wÐm ~mOmai) Ho ÝÐ gaH$ma H$r VWm ^maVr` ì wËnÝZ g§K

n«{V y{V ±m (E\$AmB©E_E_SrE) Ûmam n«H$m{eV~mOma _yë`/dmB©QrE_ Amd{ÜmHŸAmÜmma na

ii) amÁ` gaH$ma H$r E\ŸAmB©E_E_SrE/ämm.{a.~¢.n«{V y{V ±m _mJ©{ZXoímm| HoŸ AZwgma

I Ho$ÝÐ/amÁ` gaH$ma nrEg y E\$AmB©E_E_SrE/^m{a~¡§H$ Ho$~§mS Ûmam Jma§Qr Xr JB© _mJ©{ZXo©emZwgma n{anŠdVm AmYman«{V y{V ±m (A{J«_ Ho$ na C{MV Am` nañdêŸn _o§ Zhr§)

J IOmZm {~b Tw>bmB© bmJV na

K B©pŠdQr eoà ~mOma _yë` na, `{X ^md {X`mOmVm h¡,AÝ`Wm AÚVZ VwbZnÍm (EH$ df© go A{YH$ nwamZmZhr §) H o $ AZwgma eoà Ho ${dÀNo{XV _yë` na AÝ`Wm ` 1 n«{VH§$nZr H$r Xa go.

L A{Y_mÝ` eoà `{X ^md {X`m OmVm h¡ Vm o~mOma _yë` na, AÝ`Wm^m{a~¡§H$/E\$AmB©E_E_SrE Ho$_mJ©{ZXo©emZwgma n«{VXo` _yë` goA{YH$ Z hmoVo hwE n{anŠdVmAmYma na C{MV Am` na.A{Üm_mÝ` ímo am| HoŸ _m_bo _| Ohm§A{Üm_mÝ` bmämm§ím _| ~HŸm`m hmo,dhm§ g§{MV bmämm§ím HoŸ {bE HŸmoB©O_m Zht {b`m OmVm h¡ Am¡a `{X~HŸm`m EHŸ dîm© AÏmdm CggoA{ÜmHŸ Ad{Üm HoŸ {bE hmo Vmo

dmBQrE_ HoŸ AZwgma {ZÜmm©{aV _yë`

_| Ý yZV_ 15% ~Åm bJm`m OmVm

h¡. CnamoŠVmZwgma J¡a-{Zînm{XV

ímoàm| HoŸ _m_bo _| Ohm§ bmämm§ím

~HŸm`m hmo {ZÜmm ©{aV {HŸE JE

_ y ë ` õ m g / n « m d Ü m m Z r H Ÿ a Ê m

Amdí`HŸVmAm| HŸmo AÝ` {Zînm{XV

A{Üm_mÝ` ímo am| HoŸ dÜm©Z HoŸ n«{V

goQAm\Ÿ Zht {HŸ`m OmVm h¡.

M ~m§S Ed§ {S~o§Ma (A{J«_ `{X ^md {X`m OmVm h¡ Vmo ~mOma

Ho$ ñdêŸn H$m Zhr§) _yë` na, AÝ`Wm ^m{a~¡ §H$/

E\$AmB©E_E_SrE Ho$ _mJ©

{ZXo©emZwgma n{anŠdVm AmYma HoŸ

n«{V C{MV Am` na

N å yMwAb \§ S H$r y{ZQo§ `{X ^md {X`m OmVm h¡ Vmo eoà

~mOma ^md Xa na, `{X ^md Zhr§

{X`m OmVm h¡ Vmo nwZ…IarX _yë`/

EZEdr na.

O dm{UpÁ`H$ H$mJµOmV TwbmB© bmJV na.

P n«{V y{V agrX AmpñV nwZJ©RZ H§$nZr Ûmam Kmo{fV

AmpñV Ho$ {Zdb AmpñV _yë` na.

Äm CÚ_ ny±Or {Z{Y drgrE\$ Ûmam Kmo{fV {Zdb AmpñV

_yë` (EZEdr) na.

Q AÝ` {d{ZYmZ õmg _yë` KQmH$a TwbmB© bmJV na.

{~H«$r Ho$ {bE CnbãY Ed§ ì`mnma Ho$ {bE aIo JE loUr _o§CnamoŠV _yë`§mH$Z pñH«$n AmYma na {H$`m OmVm h¡ VWmdJr©H$aU Ho$ {bE _yë`h«mg/_yë`d¥{Õ H$m Hw$b {H$`m OmVmh¡. n«Ë oH$ dJr©H$aU HoŸ {bE _yë`õmg `{X hmo Vmo CgHoŸ {bEn«mdÜmmZ {HŸ`m OmVm h¡ VÏmm _yë`d¥{Õ NmoS {X`m OmVm h¡.

{Zdb AmYma na _yë`õmg Ho$ H$maU n«mdYmZ `{X A{YH$ hmoVmo nhbo Cgo bm^ d hm{Z ImVo _o§ {b`m OmVm h¡ VWm ~mX _o§dV©_mZ ^m.{a.~¡§H$ _mJ©{ZXo©emZwgma ''{Zdoe Ama{j{V ImVo'_o§ g_m`mo{OV {H$`m OmVm h¡.

EE\ŸEg/EME\ŸQr dJ© HoŸ {Zdoím HŸr {~HŸ«r na bmäm/hm{Z HŸmobmäm d hm{Z »mmVo _| {b`m OmVm h¡.

65

IV. {ddoHŸnyÊm© _mZX§S

(H$) (i) H|$Ð gaH$ma H$s Jma§Q>r g{hV n«{Vämy{V`m| H$mo _ybYZ/ã`mO wJVmZm| HŸr ~H$m`m am[e na Ü`mZ ZXoVo hþE {ZînmXH$ {Zdoe _mZo OmVo h¢. VÏmm{n,`{X ã`mO 90 {XZm| go A{ÜmHŸ Ad{Üm HoŸ {bEdgyb Zht {H$`m OmVm h¡ Vmo Cgo HoŸdb ZH$XrAmYma na Am` HoŸ êŸn _| nhMmZm OmEJm.

(ii) n«{Vämy{V`m§ Omo amÁ` gaH$ma Ûmam Jma§Q>rH$¥V h¢,Ohm± _ybYZ/ã`mO Xo` h¡ naÝVw 90 {XZm| goA{ÜmHŸ H$s Ad{Üm HoŸ {bE AXm Zht {HŸE JEh¢, _Xm| HŸmo AZwn`moÁ` {Zdoe _mZo OmVo h¢ VWm^maVr` {aOd© ~¢¢H$ _mJ©{ZX}emZwgma àmdYmZ{HŸ`m J`m h¡. AmJo, amÁ` gaH$ma Ûmam Jma§Q>rXr JB© n«{Vämy{V`m| HoŸ {bE Ohm± _ybYZ/ã`mOXo` h¡ bo{HŸZ 90 {XZm| go A{ÜmHŸ Ad{Üm HoŸ{bE àXËV Zht h¡, ã`mO HŸmo HoŸdb ZH$X AmYmana nhMmZm OmVm h¡.

(I) n«{Vämy{V`m§ Omo H$oÝÐ gaH$ma/amÁ` gaHŸma/A{Üm_mÝ`ímo am| Ûmam Jma§Q>rH¥$V Zht h¡ : _ybYZ/ã`mO/{ZYm©[aVXo h¡ naÝVw dîm© HoŸ A§V _| 90 {XZm| go A{YH$ Ad{ÜmHoŸ {bE AXm Zht {H$E JE h¢, _Xm| HŸmo AZwn`moÁ`{Zdoím _mZ o OmVo h ¢ VWm ^maVr` {a µOd© ~ ¢HŸ_mJ©{ZX}emZwgma àmdYmZ {HŸ`m J`m h¡.

(J) {S>~|Mam|/~m§S>m| HoŸ _m_bo _| O~ _ybYZ/ã`mO ~H$m`mh¡, A[J«_m| HoŸ _m_bo _| àmdYmZ {H$`m J`m h¡.

(K) `{X OmarH$Vm© Ûmam ~¢H$ go àmá H$s JB© HŸmoB© ^r G$Ugw{dYm J¡a {ZînmXH ~Zo Vmo CZHoŸ Ûmam {HŸgr n«{Vämy{Vgo {HŸE JE {Zdoím HŸmo AZwn`moÁ` {Zdoím _mZm OmVm h¡.

(S.) AZwn`moO` {Zdoímm| HoŸ g§~§Üm _| _yë`õmg/àmdYmZAnoúmm AÝ` {ZînmXH$ {Zdoem| HoŸ _m_boŸ _| d¥{Õ HoŸn«{V g_m`mo{OV Zhr§ {H$`m J`m h¡.

(M) B©pŠdQ>r ímo`am| HoŸ _m_bo _| `{X ^m.{a.~¢H$ HoŸ{Xímm{ZXo©ímmZwgma ^mdXa `m AÚVZ VwbZ nÌ H$sAZwnbãYVm HoŸ H$maU {H$gr H§ŸnZr H$m ímo am| _| {ZdoímHoŸ é.1 H$s H$s_V _mZr OmVr h¡ Vmo Eogo B©pŠdQ>r ímo am|HŸmo ämr _m_bo Ho$ AZwgma,AZwn`moÁ` {Zdoím _mZm OmEJm.

(N) A{Üm_mÝ` ímo am| HoŸ _m_bo _| Ohm§ A{Üm_mÝ` bmämm§ím_| ~HŸm`m hmo, dhm§ g§{MV bmämm§ím HoŸ {bE HŸmoB© O_mZht {b`m OmVm h¡ Am¡a `{X ~HŸm`m EHŸ dîm© AÏmdmCggo A{ÜmHŸ Ad{Üm HoŸ {bE hmo Vmo dmBQrE_ HoŸ AZwgma{ZÜmm©{aV _yë` _| Ý yZV_ 15% ~Åm bJm`m OmVm h¡.CnamoŠVmZwgma J¡a-{Zînm{XV ímo am| HoŸ _m_bo _| Ohm§bmämm§ím ~HŸm`m hmo {ZÜmm©{aV {HŸE JE _yë`õmg/n«mdÜmmZrHŸaÊm Amdí`HŸVmAm| HŸmo AÝ` {Zînm{XVA{Üm_mÝ` ímo am| HoŸ dÜm©Z HoŸ n«{V goQAm\Ÿ Zht {HŸ`mOmVm h¡.

4. ì wËnÞ go g§~§{ÜmV boZXoZ

ì wËnÞ H$amam| H$mo n«{Vajm Am¡a ì`mnma HoŸ êŸn _| Zm_mo{X²XîQ> H$a{ZåZmZwgma bo»mm~Õ {H$`m J`m h¡:

H$. n«{Vaúmm {d{Z_`: ~mOma _yë` `m H$_ bmJV na `m {dËVr`{ddaU ~mOma _yë` na Ym{aV AmpñV `m Xo Vm go g§~§{ÜmV{d{Z_` HŸmo NmoSHŸa, ã`mO wŠV AmpñV d Xo VmAm| H$s n«{VajmhoVw ã`mOXa {d{Z_` H$mo àmoX²äm{dV AmYma na bo»mm~Õ {H$`mJ`m h¡. Eogr {ñÏm{V _| {d{Z_` ~mµOma HŸmo A§{HŸV {HŸ`m J`mh¡¡ Ed§ n{aUm_r bm^ d hm{Z H$m Zm_mo{ÔîQ> AmpñV `m Xo VmHŸmo ~mOma _yë` HoŸ g_m`moOZ HoŸ êŸn _| A{äm{b{»mV {HŸ`mJ`m h¡

g_má H$s JB© {d{Z_` HoŸ _m_bo _|, bm^ d hm{Z HŸmo AmñW{JVH$a, {d{Z_` H$s ímoîm g§{dXmJV Ad{Üm `m AmpñV/Xo Vm H$sAd{Y, Omo ^r H$_ hmo, HoŸ AZwgma _mZm J`m h¡.

I. à{Vaúmm _Xm| H$mo nwZZm©{_V H$aZm : `{X n«{Vaúmm _Xm| HŸmoEH$ AmpñV/ Xo Vm _X go Xygao AmpñV/Xo Vm _X HoŸ êŸn _|nwZZm©_mo{oX²XîQ {H$`m OmVm h¡ Vmo, CŠV H$m © H$mo EH$ n«{VajmH$s g_m{ßV Ed§ Xygao H$m CnmO©Z HoŸ êŸn _| bo»mm~Õ {HŸ`mOmEJm. nwZZm©_mo©{X²XîQ {H$E OmZo H$s VmarI HŸmo {d{Z_`~mµOma HŸmo A§{HŸV {HŸ`m OmVm h¡ Am¡a {d{Z_` H$s ímoîm Ad{Üm`m AmpñV/ Xo Vm H$s ímoîm Ad{Üm, Omo ^r H$_ hmo, HoŸ AZwgma~mOma _yë` HoŸ ~hr _| A§{HŸV HŸaZo HoŸ _yë` n{aímmo{ÜmV {HŸ`mOmVm h¡. ~mOma _yë` H$mo ~hr _| A§{HŸV HŸaZo HoŸ n«{V g§VwbZg_m`moOZ H$mo ZE ê$n go Zm_mo{ÔîQ AmpñV/Xo Vm H$sn«{Vaúmm na àmá `m àXËV àr[_`_ HoŸ êŸn _| _mZm OmEJm Am¡anwZZm©_mo{X²XîQ AmpñV/Xo Vm H$s Ad{Y `m {d{Z_` H$s ímoîmAd{Üm, Omo ^r H$_ hmo, HoŸ AZwgma BZH$m n[aemoYZ {H$`mOmEJm.

66

J. ì`mnmar {d{Z_` : ì`mnmar {d{Z_` HoŸ g§~§Üm _| ~mµOma_yë` H$mo ~hr _| A§{HŸV {HŸ`m OmVm h¡ Am¡a n{aUm_r bm^ `mhm{Z H$mo Am` {ddaU _| A{^bo{IV {H$`m OmVm h¡. {d{Z_`H$s g_m{á na àmá bm^ `m hm{Z H$mo VmËH$m{bH$ Am` `mì`` HoŸ$ êŸn _| A{äm{b{»mV {HŸ`m OmVm h¡.

5. AMb AmpñV`m§/_yë`õmg

(I) AMb AmpñV`m§

(H$) ~¢H$ n[aga _| ímm{_b h¡, nyU© ñd{_Ëddmbr g§npËVAm¡a nQ²>Q>m-Y¥{V g§npËV. IarXr JB© Am¡a Am~§{Q>V

y{_ Am¡a ^dZm| H$m, H$amaZm_m|/Am~§{QV nÌm| Am¡admñV{dH$ H$ãOm| HoŸ AmYma na n§OrH$aU {H$`m J`mh¡. AÝ` AMb Am[ñV`mo| H$mo CZH$o$ BñVo_mb H$sVmarI go ny§OrH$¥V {H$`m OmVm h¡. _yë`m§{H$V n{agaAm¡a AÝ` AMb Am{ñV`m| H$mo N>moS>H$a n{aga Am¡aXygao AÝ` AMb Am{ñV`m| H$mo CZH$s$ Eo{Vhm{gH$bmJV na Xem© m J`m h¡. Eogr AMb AmpñV`m| H$monwZ_y©ë`m§{H$V aH$_ HoŸ AmYma na Xem© m J`m h¡.

(I) nÅo na /{HŸamE na br JB© g§npËV HoŸ g§~§Üm _| ny§OrJVAmpñV`m| HoŸ A{ämJ«hÊm HoŸ {bE {H$E JE A{J«_ wJVmZHŸmo ‘AÝ` AmpñV`m|’ HoŸ A§VJ©V aIm J`m h¡.

(II) _yë`õmg /n{aímmoÜmZ

(H$) Hw$N> g§npËV`m| H$s g{å_l bmJV g{hV Ohm§ ämy{_ bmJVH$m n¥ÏmHŸHŸaÊm H$aZm g§ d Zht h¡, H§$ß yQ>am| go {^ÞAMb AmpñV`m| H$m ‘Am` H$a {Z`_m|’ HoŸ A§VJ©Võmg_mZ g§VwbZ nÕ{V HoŸ AmYma na {ZÜmm©{aV Xa go_yë`õmg {H$`m J`m h¡. H§$ß yQ>am| H$m _yë`õmg, grYrao»mm nÕ{V HoŸ AmYma na 33.33% à.d. H$s Xa go{HŸ`m J`m h¡. »marX HoŸ df© _| A_yV© AmpñV`m| HoŸ êŸn_| _mZo JE AÝ` gm°\$Q>do a IMm|© H$mo {Ogo A_yV© AmpñVHo$ êŸn _o§ _mZm OmVm h¡, 100% na n{aímmo{ÜmV {HŸ`mJ`m h¡. {dËVr` df© HoŸ Xm¡amZ AMb Am{ñV`m| _| {H$EJE OmoS> na _yë`õmg, {ZYm©{aV _yë`õmg Xa HoŸ 100%H$r Xa go {HŸ`m J`m h¡ ~ímVo© {HŸ$ df© HoŸ Xm¡amZ AmpñV`m|H$m 180 {XZ d Cggo A{ÜmHŸ {XZm| HoŸ {bE Cn`moJ{HŸ`m J`m hmo Am¡a {ZÜmm©{aV _yë`õmg Xa HoŸ 50% H$sXa go Cn`moJ {HŸ`m J`m h¡ ~eV} {H$ df© HoŸ Xm¡amZAmpñV`m| H$m 180 {XZm| go H$_ g_` VH$ Cn`moJ {HŸ`mJ`m hmo. {~HŸ«r/{ZnQ>mZ df© _| H$moB© _yë`õmg Zht {H$`mJ`m h¡.

(I) n{agam| HoŸ g§~§Üm _| nwZ_y©ë`m§{HŸV am{ím na d¥{Õímrb_yë`õmg nwZ_y©ë`m§HŸZ Ama{úmV »mmVo go g_m`mo{OV{HŸ`m J`m h¡.

6. nÅo na Xr JB© AmpñV`m§ :

bo»mmHŸaÊm _mZH$ 19 HoŸ AZwgma nÅmJV Am{ñË`m| HŸm bo»mmHŸaÊm{HŸ`m J`m h¡. J¡a- {ZînmXH$ AmpñV`m| HoŸ g§~§Üm _| àmdYmZ H$aVog_` A{J«_m| HoŸ {bE ^maVr` {aµOd ~¢H$ Ûmam {ZYm©{aV AmpñV`m| HoŸdJuH$aU go g§~§{ÜmV _mZX§S> AnZmE JE h¢.

7. J¡a-~¢{H§Ÿ$J AmpñV`m§$:

J¡a ~¢qH$J AmpñV`m| HŸmo CZHŸr bmJV na Xem© m J`m h¡.

8. ApJ«_:

ämmaVr` {aµOd© ~¢HŸ HoŸ {Xímm{ZXo©ímmZwgma, A{J«_m| HŸm dJr©HŸaÊm A~ VHŸHŸr J`r dgy{b`m| HŸmo Ü`mZ _| a»mVo hwE _mZHŸ, Ad_mZHŸ, g§{X½ÜmVÏmm hm{ZnaHŸ Am{ñV`m| HoŸ êŸn _| {HŸ`m OmVm h¡. J¡a-{ZînmXHŸ Am{ñV`m|HoŸ {bE n«mdÜmmZ ämmaVr` {aOd© ~¢HŸ HoŸ {Xímm{ZXo©ímmZwgma {HŸ`m OmVm h¡.

(H$) ^maVr` {aOd ~¢H$ HoŸ _mJ©{ZX}emZwgma, _yb YZam{e/ã`mOH$s dgybr HoŸ AmYma na A{J«_m| H$m ‘{ZînmXH$’, “AZO©HŸ’AmpñV`m| HoŸ êŸn _| dJuH$aU {HŸ`m J`m h¡ VWm A{J«_m| HŸmo90 {XZm| HoŸ ~HŸm`m aH$_ AXm HŸaZo g§~§Ümr _mZXÊS>m|g{hV”AZO©HŸ AmpñV`m| HoŸ êŸn _| dJuH$aU {HŸ`m J`m h¡.amÁ` gaH$ma Ûmam Jma§Q>rH¥$V A{J«_m| HoŸ g§~§Üm _| ImVm| HŸmAZO©HŸ AmpñV HoŸ êŸn _| dJuH¥$V HŸaZo HoŸ _m_bo _| Jma§Q>rbmJy HŸaZo HŸr Anoúmm HŸmo n¥ÏmHŸ H$a {X`m J`m h¡. AZO©HŸAmpñV`m| H$mo àmdYmZ H$s g§JUZm H$aZo HoŸ {bE Ad_mZH$g§{X½Üm Am¡a hm{Z AmpñV`m| HoŸ êŸn _| dJuH¥$V {HŸ`m OmVm h¡.

VwbZ-nÌ _| Xem©E JE A{J«_, (AñWm`r àmdYmZm| g{hV)AZO©HŸ A{J«_m |, CM§V ã`mO VWm àmá B©grOrgr/S>rAmB©grOrgr, Xmdm| HoŸ g§~§Üm _| {Zdb àmdYmZ h¡.

(»m) A{J«_m| _| nmg Ï«ym n«_mÊmnÍm (nrQrgr) _| ~¢HŸ HŸr ghämm{JVm/`moJXmZ VÏmm/`m AÝ` ~¢HŸm|/{dËVr` g§ñÏmmAm| HoŸ FÊmAm{ñV`m| HoŸ Am{ñV g_{Ïm©V g_ZwXoímZ Ohm§ ~¢HŸ Zo Omo{»m_ghämmJr AmÜmma na HŸm © {HŸ`m h¡.

(J) nyd© dîmmoª _| ~Åo »mmVo Smbo JE AímmoÜ` FÊmm| HoŸ n«{V HŸr J`rdgybr HŸmo bmäm d hm{Z »mmVo _| Smbm OmVm h¡.

(¿m) CÜmmaHŸVm© HoŸ dV©_mZ ñVa HoŸ AZwêŸn {ZînmXHŸ Am{ñV HoŸ êŸn _|

67

A~ VHŸ Ano{úmV Zht g_Âmo JE bmäm-hm{Z »mmVo _| {HŸE JEn«mdÜmmZ ~Åo »mmVo go dmng bmäm-hm{Z »mmVo _| Smbo OmVo h¢.

(S.) _mZH$ A{J«_m| na àmdYmZ HŸmo “AÝ` Xo VmE§ Am¡a àmdYmZ” HoŸA§VJ©V Xem© m J`m h¡.

(M) A{J«_m| na àmdYmZ, ^m.{a.~¢H$ HoŸ _mJ©{ZX}em| HoŸ$ AZwgma{ZåZmZwgma {H$`m J`m h¡ :

1. _mZH$ AmpñV`m§ : dm{Êm{Á`HŸ ñÏmmda g§nXm úmoÍm HŸmo_mZHŸ A{J«_ HŸm 1%, àË`j H¥${îm Am¡a bKw d _Pm¡boCÚ_ joÍm HoŸ AYrZ ~H$m`m {ZînmXHŸ A{J«_m| H$m0.25%, Ïmm 31.03.2014 HŸmo _mZHŸ g§dJ© HoŸ AÜmrZVÏmm 01.06.2013 go nhbo nwZgªa{MV »mmVm| HoŸ {bE3.50%, 31.05.2013 HoŸ ~mX nwZgªa{MV _mZHŸ g§dJ©HoŸ »mmVm| HoŸ {bE 5% VÏmm AÝ` gämr ~HŸm`m {ZînmXHŸA{J«_m| na 0.40%.

2. Ad_mZH$ AmpñV`m§ : ~H$m`m A{J«_m| HoŸ 15% H$sXa go `Ú{n, Ad-_mZH$ AmpñV`m| HoŸ _m_bo _|, {Ogoàma§ go “An«{V yV {Zdoe” HoŸ êŸn _| nhMmZm J`m h¡ HoŸ{bE ~HŸm`m ímoîm HoŸ 25% H$m àmdYmZ aIm J`m h¡.

3. g§{X½Y AmpñV`m§ : {OVZr Ad{Üm HoŸ {bE AmpñV`m§g§{X½Üm ahr hm| CgHoŸ AmYma na n«{VämyV A§e HoŸ 25%

go 100% VH$ Am¡a S>rAmB©grOrgr `moOZm HoŸ g§~§Üm _|dgyb H$s J`r am{ím H$m Am¡a B©grOrgr moOZm HoŸ A§VJ©Va{jV dgyb H$s JB©/H$aZo mo½` Jma§Q>r H$m {Zdb {ZH$mbZoHoŸ ~mX ~H$m`m ímoîm am{ím HoŸ J¡a-O_mZVr A§e H$m100%.

4. hm{ZnaH$ AmpñV`m§ : ~HŸm`m A{J«_m| H$m 100%.

(N) nwZgªa{MV/nwZ{Z©Ümm©{aV »mmVo :

nwZgªa{MV/nwZ{Z©Ümm©{aV »mmVm| HoŸ g§~§Üm _| {X.27.08.2008HoŸ n{anÍm VÏmm {X.02.07.2012 HoŸ _mñQa n{anÍm HoŸ O{aEämmaVr` {aOd© ~¢HŸ Ûmam Omar A{J«_m| HŸr nwZgªaMZm HoŸ gm_mÝ`Tm§Mo HoŸ AZwgma nwZgªa{MV _yë` HoŸ C{MV _yë` _| õmg HŸmo XyaHŸaZo HoŸ {bE n«mdÜmmZ {HŸE JE h¢.

A{J«_m| HoŸ C{MV _yë` _| õmg HŸm n{aHŸbZ nwZgªaMZm HoŸ nyd© VÏmmŸ~mX _| FÊm HoŸ C{MV _yë` HoŸ ~rM HoŸ A§Va go {HŸ m OmVm h¡.

nwZgªaMZm go nyd© FÊm HoŸ C{MV _yë` HŸm n{aHŸbZ nwZgªaMZm gonyd© A{J«_ na n«ämm{aV dV©_mZ Xa na ã`mO n«{V\Ÿ{bV HŸaZodmboZHŸX n«dmh HoŸ dV©_mZ _yë` VÏmm _ybÜmZ, nwZgªaMZm HŸr Vmar»mHŸmo ~¢HŸ HoŸ AmÜmma Xa HoŸ g_ Xa na ~ÅmJV VÏmm nwZgªaMZm HŸr

Vmar»m HŸmo CÜmmaHŸVm© loÊmr HoŸ {bE C{MV gmd{Üm n«r{_`_ VÏmm

FÊm Omo{»m_ n«r{_`_ go {HŸ`m OmVm h¡.

nwZgªaMZm HoŸ ~mX FÊm HoŸ C{MV _yë` HŸm n{aHŸbZ nwZgªaMZm

na A{J«_ na n«ämm{aV Xa na ã`mO n«{V\Ÿ{bV HŸaZodmbo ZHŸX

n«dmh HoŸ dV©_mZ _yë` VÏmm _ybÜmZ, nwZgªaMZm HŸr Vmar»m HŸmo

~¢HŸ HoŸ AmÜmma Xa HoŸ g_ Xa na ~ÅmJV VÏmm nwZgªaMZm HŸr

Vmar»m HŸmo CÜmmaHŸVm© loÊmr HoŸ {bE C{MV gmd{Üm n«r{_`_ VÏmm

FÊm Omo{»m_ n«r{_`_ go {HŸ`m OmVm h¡.

C{MV _yë` _| õmg HŸm n«Ë oHŸ VwbZ-nÍm Vmar»m na nwZ:n{aHŸbZ

{HŸ`m OmVm h¡ O~{HŸ gämr MwHŸm¡Vr ~mÜ`VmE§ g§VmoîmOZHŸ VarHoŸ

go nyar HŸr OmVr h¡ VÏmm ~HŸm`m am{ím HŸr nyar MwHŸm¡Vr HŸr OmVr

h¡ Vm{HŸ AmÜmma Xa, gmd{Üm n«r{_`_ VÏmm CÜmmaHŸVm© HoŸ FÊm

g§dJ© _| n{adV©Z HoŸ HŸmaÊm C{MV _yë` na hwE n{adV©Z HŸmo

ímm{_b {HŸ`m Om gHoŸ.

nwZgªa{MV »mmVm| HŸm dJr©HŸaÊm ämmaVr` {aµOd© ~¢HŸ HoŸ {ZXo©ímmZwgma

{dímoîm {dVaÊm, Ohm§ HŸht ämr AZw_V h¡, g{hV {HŸ`m J`m h¡.

9. amOñd {ZÜmm©aU:

ZrMo Cpëb{IV _m_bm| H$mo N>moS>H$a Am` H$mo Cn{MV AmYma na bo»mm

~Õ {HŸ`m J`m h¡ :

(H$) AZO©HŸ Am{ñV`m| HoŸ _m_bo _|, ^m.{a.~¢HŸ HoŸ _mJ©{ZXo©ímm| HoŸ

AZwgma ZH$Xr AmYma na Am` HŸm {ZÜmm©aÊm {HŸ`m J`m h¡. Ohm§

AJa {Z`_Z HoŸ êŸn _| EZnrE ImVm| H$s loÊmr ~TµmZo HoŸ {bE

dgybr n`m©á Z hmo dhm§ Eogr dgybr H$m g~go nhbo _yb ÜmZam{ím

/~hr ímoîmam{ím HoŸ n«{V Am¡a ~mX _| ã`mO g§~§Ümr Xo VmAm| HoŸ

n«{V {d{Z`moJ {HŸ`m J`m h¡. AZO©HŸ {d{ZÜmmZ HoŸ g§~§Üm _|

Cn w©ŠËm bo»mmHŸaÊm àUmbr AnZm`r OmVr h¡¡.

(I) å yCMb \§$S> y{ZQm|,~r_m Ed§ {ZjonmJma gh^mJr HŸmamo~ma na

H$_reZ, ì`mnmar ~¢{H§ŸJ boZXoZ, gm_mÝ` ~r_m HŸamo~ma, _wÐm

A§VaU godmE§, å yMwAb \§$S> CËnmXm| HŸr {~HŸ«r, bm°H$a {H$am`m,

gaH$mar HŸamo~ma na H$_reZ Am{X go àmá Am` H$mo ZH$X/

dgybr AmYma na bo»mm~Õ {HŸ`m OmVm h¡.

(J) J¡a-{Z{Üm AmÜmm{aV HŸmamo~ma go A{O©V HŸ_rímZ AÏmm©V gm»m

nÍm VÏmm ~¢HŸ Jma§{Q`m| HŸm n{aHŸbZ ZHŸX AmÜmma na {HŸ m OmVm h¡.

(K) n«{Vämy{V`m| na Xo na§Vw 90 {XZm| HoŸ ~mX ^r AXËV ã`mO H$m,

68

^m.{a.~¢HŸ HoŸ _mJ©{ZXo©ím HoŸ AZwgma dgybr AmYma na {ZYm©aU{HŸ`m J`m h¡.

(S>) _wH$X_m Xmà ImVm| HoŸ _m_bm| _| {d{Üm à^ma bm^ hm{Z »mmVo_| S>mbm OmVm h¡. Bgr àH$ma Eogo _wH$X_m Xmà ImVm| HoŸ$_m_bm| _| dgybm J`m {d{YH$ ì`` H$mo Am` HoŸ êŸn _| {b`mOmVm h¡ Ed§ am{ím H$mo n«Ë`md{V©V {HŸ`m OmVm h¡¡.

10. {Zdb bm^

{Zdb bm^ {ZÜmm©{aV HŸaZo go nhbo {ZåZ{b{»mV {HŸE JE:

(H$) gm§{d{ÜmHŸ AnoúmmAm| HoŸ AZwgma Am` H$a Am¡a YZ H$a HoŸ {bEàmdYmZ

(I) A{J«_/{d{ZYmZ HoŸ {bE àmdYmZ

(J) {d{ZÜmmZ HoŸ _yë` _| g_m`moOZ

(K) àmdYmZ Am¡a AmH$pñ_H$ ì`` _| A§VaU

(S>) ämmaVr` {aµOd© ~¢HŸ HoŸ _mZXÊS>m| HoŸ$ AZwgma N>: _mh go A{ÜmHŸAd{Üm$ HoŸ {bE Ag_m`mo{OV A§Va emIm bo»mm| HoŸ {bEàmdYmZ

(M) AÝ` gm_mÝ` d Amdí`H$ àmdYmZ

11. HŸ_©Mmar g§~§Yr bm^ :

(H$) HŸ_©Mm{a`m| HoŸ g§~§Üm _| {ddmX/g_Âmm¡Vo go CËnÝZ hmoZodmboXmdm| HŸm A§{V_ {ZnQmZ/{ZÜmm©aÊm dîm© _| bo»mm {HŸ`m OmVm h¡.

(I) {OZ H$_©Mm[a`m| Zo äm{dî` {Z{Üm moOZm MwZr h¡, CZHoŸ g§~§Üm _|~¢HŸ Ûmam äm{dî` {Z{Üm HŸmo _mÝ`Vm XoZo hoVw {ZÜmm©{aV `WmZwnmVA§eXmZ {H$`m OmVm h¡. Xygam| HoŸ _m_bo _|, {OÝhm|Zo n|ímZ`moOZm AnZmB© h¡ CZHoŸ _m_bo _| bo»mmHŸaÊm _mZHŸ 15 HoŸAZwgma, ~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma n|ímZ {Z{Üm _| A§eXmZ{HŸ`m OmVm h¡.

(J) CnXmZ {Z{Üm _| A§ímXmZ, bo»mmHŸaÊm _mZHŸ 15 HoŸ AZwgma~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma na {H$`m J`m h¡.

(¿m) Nw>Q²>Q>r ZH$XrH$aU, gm{ÜmHŸma NwÅr HoŸ n«{V Xo Vm bo»mm _mZHŸ15 ~r_m§{HŸHŸ _yë`m§H$Z HoŸ AmYma àXmZ {HŸ`m OmVm h¡.

{ddaU {ZåZmZwgma h¡…

XrKm©d{Y H$_©Mmar bm^…

XrKm©d{Y H$_©Mmar bm^(H$_©Mmar H$r godmH$mb H$r Ad{Y Ho$ g_mnZgo ~mah _mh Ho$ A§V _o§ Xo bm^),VWm nX {Z`moOZ bm^ (godmH$mbHo$ g_mnZ Ho$ ~mX Xo bm^),n{a`mo{OV BH$mB© FU n«Umbr Ûmam dm{f©H$

V¥Vr` núm dmñV{dH$ _yë §mH$Z Ho$ AmYma na,~Q²QmJV AmYma na {X`mOmVm h¡. ~¡§H$ dmñV{dH$ _yë §mH$Z Ho$ AZwgma {ZåZ XrKm©d{Y H$_©Mmarbm^ n«XmZ H$aVm h¡…

1. NwÅr wZmZm… n«Ë oH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV V¥Vr`númH$ma dmñV{dH$ _yë §mH$Z na AmYm{aV g§~§{YV H$_©Mm{a`mo§Ûmam godm n«XmZ H$r OmVr h¡ Cg df© _o§ NwQ²Qr wZmZo Ho$ n«{VAmñW{JV nmÍmVm Ho$ H$maU Cn{MV Xo Vm HoŸ {bE ~¢HŸ n«mdÜmmZHŸaVm h¡.

2. no§eZ… n«Ë oH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV dmñV{dH$_yë §mH$Z na AmYm{aV no§eZ Ho$ {bE {OZ H$_©Mm{a`mo§ Zo {dHën{X`m h¡ Ho$ H$maU Cn{MV Xo Vm HoŸ {bE ~¢HŸ n«mdÜmmZ HŸaVm h¡.

3. J«¡Q² w{Q … n«Ë oH$ dfmªV VwbZ nÍm VmarI H$mo n«mßV dmñV{dH$_yë §mH$Z na AmYm{aV J«oQ² w{Q Xo Vm HoŸ {bE ~¢HŸ n«mdÜmmZHŸaVm h¡.

no§eZ VWm J«oQ² w{Q A§eXmZ ñd-ì`dpñWV Ý`mgm| _o§ A§V{aV h¡.

12. H$amYmZ HoŸ {bE àmdYmZ :

HŸa ì`` _| dV©_mZ Ed§ AmñÏm{JV HŸa ímm{_b h¡. dV©_mZ Am` HŸa HŸmn{aHŸbZ Am` HŸa A{Üm{Z`_ 1961 HoŸ AZwgma HŸa n«m{ÜmHŸm{a`m| HŸmoämwJVmZ HŸr OmZodmbr Ano{úmV am{ím go {HŸ`m OmVm h¡. AmñÏm{JVAm` HŸa _| dîm© HoŸ {bE HŸa mo½` Am` VÏmm bo»mm§HŸZ Am` HoŸ ~rM HoŸg_` dV©_mZ dîm© HoŸ g_` A§Vamb HŸm n«ämmd VÏmm nyd© dîmmoª HoŸ g_À§Vamb HŸm n«Ë`mdV©Z n«{V\Ÿ{bV HŸaVm h¡. AmñÏm{JV HŸa HŸm n{aHŸbZVwbZ nÍm Vmar»m HŸmo A{Üm{Z`{_V `m _yb êŸn go A{Üm{Z`{_V HŸaXam| VÏmm HŸa HŸmZyZ HoŸ AmÜmma na {HŸ`m OmVm h¡.

13. AZO©H$

n«Ë oH$ VwbZ nÍm _o§ ~mø/A§mV{aH$ VËd na AmYm{aV AZO©H$ H$r H$moB©gyMZm Ho$ {bE AmpñV`mo§ H$r TwbmB© JB© am{e H$r g_rjm H$r OmVr h¡.O~ r {H$gr AmpñV H$r TwbmB© JB© am{e AZw_m{ZV dgybr mo½` am{ego A{YH$ hmo Vmo AZO©H$ hm{Z hmoVr h¡.

14. »m§S {anmo{QªJ :

ämmaVr` {aµOd© ~¢HŸ Ûmam Omar _m½m©{ZXo©ímmZwgma ~¢HŸ Zo {ZåZmZwgma »m§S{anmo{QªJ ímwêŸ HŸr h¡.

1. »mOmZm : {Og_| gämr {Zdoím g§{dämmJ, {Zdoímm| HŸr {~HŸ«r nabmäm/hm{Z, {dXoímr {d{Z_` boZXoZm| na bmäm/hm{Z, B©{ŠdQr,ì wËnÝZ VÏmm _wÐm ~mOma n{aMmbZm| go Am` ímm{_b h¡. Bg»m§S HoŸ ì`` _| ~mø g«moVm| d Am§V{aHŸ g«moVm| go CÜmma _| {bEJE {Z{Üm na ã`mO ì`` VÏmm n{anŠd hmoZo VHŸ Ümm{aV {ZdoímloÊmr na _yë`õmg/n«r{_`_ HŸm n{aímmoÜmZ ímm{_b h¡.

2. HŸm°nmo©aoQ/ÏmmoHŸ ~¢{H§ŸJ _| HŸm°nmo©aoQ J«mhHŸm| go CÜmma VÏmm O_mam{ím

69

VÏmm »m§S HoŸ A{ämkßV AO©Z VÏmm ì`` ímm{_b h¡.

3. »mwXam ~¢{H§ŸJ _| »mwXao J«mhHŸm| go CÜmma VÏmm O_mam{ím VÏmm»m§S HoŸ A{ämkßV AO©Z VÏmm ì`` ímm{_b h¡.

4. AÝ` ~¢{H§ŸJ n{aMmbZ _| »mOmZm, ÏmmoHŸ ~¢{H§ŸJ VÏmm »mwXam~¢{H§ŸJ HoŸ AÜmrZ ímm{_b Zht {HŸE JE AÝ` gämr n{aMmbZímm{_b h¡.

15. n«{V ímo a AO©Z :

n«{V ímo a AO©Z HŸm n{aHŸbZ B©{ŠdQr ímo a ÜmmaHŸm| HoŸ {bE {ZÜmm©{aVAd{Üm HoŸ {bE {Zdb bmäm `m hm{Z (A{Üm_mÝ` bmämm§ím VÏmm Cg na`mo½` HŸa HŸr HŸQm¡Vr HoŸ ~mX) HŸm Ad{Üm HoŸ Xm¡amZ ~HŸm`m B©{ŠdQr ímo aHoŸ ämm{aV Am¡gV g§»`m go {dämm{OV HŸaVo hwE {HŸ`m OmVm h¡. n«{VB©{ŠdQr ímo a HŸ_ hwE AO©Z HŸm n{aHŸbZ B©{ŠdQr ímo am| HŸr ämm{aVAm¡gV g§»`m VÏmm dîmmªV _| ~HŸm`m HŸ_ hmoZo dmbo g§ämm{dV B©{ŠdQrímo a go {HŸ`m OmVm h¡.

16. AmHŸ{ñ_HŸ Xo VmE§ VÏmm n«mdÜmmZ :

1. nyd© ¿mQZm HoŸ \ŸbñdêŸn hwE Xm{`Ëd HoŸ HŸmaÊm n«mdÜmmZ HŸmo A{ämkßV{HŸ`m OmVm h¡. h EHŸ g§ämmdZm h¡ {HŸ Xm{`Ëd HŸm {ZnQmZ HŸaZo

HoŸ {bE g§gmÜmZm| HoŸ ~mø n«dmh HŸr Amdí`HŸVm h¡ {OgHoŸ {bE

{dídñV AZw_mZ bJm`m Om gHŸVm h¡. n«mdÜmmZm| HŸm dV©_mZ

_yë` go ~ÅmJV Zht {HŸ`m OmVm h¡ VÏmm VwbZ nÍm Vmar»m HŸmo

Xm{`Ëd HŸm {ZnQmZ HŸaZo HoŸ {bE Ano{úmV gdmo©ËH¥ŸîQ AZw_mZ HoŸ

AmÜmma na n{aHŸbZ {HŸ`m OmVm h¡. n«Ë oHŸ VwbZ nÍm Vmar»m HŸmo

BZHŸr g_rúmm HŸr OmVr h¡ VÏmm dV©_mZ gdmo©ËH¥ŸîQ AZw_mZ n{ab{úmV

HŸaZo HoŸ {bE BZHŸm g_m`moOZ {HŸ m OmVm h¡

2. VwbZ nÍm HŸr Vmar»m HŸmoŸ gaHŸmar n«{Vämy{V`m| VÏmm AÝ` _|

{ZnQmZ hoVw b§{~V boZXoZm| HŸmo VwbZ-nÍm HoŸ ~mø _Xm| HoŸ êŸn

_| AmHŸ{ñ_HŸ Am{ñV`m| VÏmm Xo VmE§ ímrîm© HoŸ AÜmrZ Xímm© m

J`m h¡.

17. ZHŸXr n«dmh {ddaÊmr _| ZHŸXr VÏmm ZHŸXr g_Vwë` am{ím _| ämmaVr`

{aµOd© ~¢HŸ HoŸ nmg a»mr J`r ímoîmam{ím VÏmm ~¢HŸm| _| ímoîmam{ím d _§mJ Am¡a

Aën gyMZm na n«{VXo am{ím ímm{_b h¡.

18. ~¢HŸ Zo {d{Z`m_HŸ n{adV©Z g{hV, `{X HŸmoB© h¡, HoŸ AÜmrZ {nNbo dîmmoª

HoŸ g_mZ bo»mm§HŸZ Zr{V HŸm nmbZ {HŸ`m h¡.

dr. HŸÊÊmZ HoŸ.Ama. ímoÊm¡ ~r. Eg. am_m amdAÜ`úm Ed§ n«~§Üm {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ HŸm ©HŸmar {ZXoímHŸ









ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

70

AZwgyMr - 18 : boImo| na [Q>ßn[U`m§1. A§Va emIm Am¡a AÝ` bo»mm| _| 31.03.2014 HŸmo ~HŸm`m n«{d{îQ`m| H$m g_mYmZ HŸa {X`m J`m h¡. {dXoímr ~¢HŸm| Am¡a ämmaVr` {aµOd© ~¢HŸ g{hV A§Va ímm»mm

Am¡a A§Va ~¢HŸ bo»mm|, S«mâQ bo»mm|, CM§V bo»mm|, ímm»mm g_m`moOZ bo»mm|, g_mímmoÜmZ boZ-XoZ,{Z{Üm A§VaÊm, Vma A§VaÊm, n«XËV/n«Xo bmämm§ím/ã`mOämwJVmZ AmXoímm| go g§~§{ÜmV ímoîmam{ím`m|,bo»mm| Am{ñV`m| HoŸ AO©Z hoVw n«XËV A{J«_m| Am{X _| ~HŸm`m n«{d{îQ`m| HŸmo hQmZo HŸm HŸm © 31.12.2013 VHŸ g_mßVhmo MwHŸm h¡ VÏmm ímoîm Ad{Üm HoŸ {bE n«{HŸ« m Omar h¡. ~¢HŸ HŸr am` _| amOñd/Am{ñV`m|/Xo VmAm| na D$na C{ëb{»mV ~mVm| HŸm n{aÊmm_r n«ämmd, n«Ë`úm êŸngo Zht hmoJm.

2. ~¢HŸ Ûmam »marXo JE HwŸN n{agam| HoŸ g§~§Üm _| {OZHŸr bmJV ` 5.43 HŸamoS h¡ ({nNbo df© ` 6.03 HŸamoS énE) {d{dÜm {ddmX `m AÝ` Am¡nMm[aH$VmAm|HoŸ b§{~V hmoVo hwE n«bo»mZ/n§OrHŸaÊm g§~§Ümr Am¡nMm[aH$VmE§ A^r nyar H$s OmZr h¡.

3. CZ emImAm| HoŸ g§~§Üm _| {OZHŸr bo»mm narúmm Zht hþB© h¡, g§~Õ emImAm| Ûmam noím H$s JB© {dda{Ê`m|/A{J«_m| H$m dJuH$aÊm AnZm`m J`m h¡.4. B©grOrgrAmB© {b. HoŸ nmg b§{~V VÏmm {dMmamÏm© n«o{îmV ` 205.73 HŸamoS HoŸ Xmdo ämr ({nNbo df© ` 17.36 HŸamoS>), àmdÜmmZ H$m n[aH$bZ HŸaZo HŸs X¥pîQ>

go dgybr `mo½` g_Po JE h¢.5. ~¢HŸ HoŸ núm _| {ZÊm© m| HŸmo Ü`mZ _| aIVo hþE {ddmXmñnX H$a Xo VmAm| HoŸ g§~§Üm _| n«~§ÜmZ Ûmam {HŸE JE n«mdÜmmZm| HŸmo NmoSµHŸa {HŸgr AÝ` àmdYmZ HŸmo

Amdí`H$ Zht g_Pm J`m h¡. AmJo, àmá {d{YH$ _V HoŸ AmYma na Am`H$a A{Üm{Z`_ HoŸ AYrZ Hw$N> Xmdm| HoŸ g§~§Üm _| H$a àmdYmZm| H$m n[aH$bZ H$aVog_` Hw$N> H$Q>m¡o{V`m| na {dMma {H$`m J`m h¡.

6. ^maVr` {aµOd© ~¢HŸ$ Ûmam Omar _mJ©oZX}em| HoŸ AZwgma {ZåZ{b{IV n«HŸQZ {HŸE OmVo h¡§ :i) ny§Or (` HŸamoSm| _|)

H«$_ g§. _X 31.03.2014 31.03.2013

1. grAmaEAma (%)~ogb II 10.97 11.32

~ogb III 10.56 —

2. grAmaEAma - {Qà I ny§Or (%)~ogb II 8.30 8.54

~ogb III 8.12 —

3. grAmaEAma -{Qà II ny§Or (%)~ogb II 2.67 2.78

~ogb III 2.44 —

H«$_ g§. _X Mmby dîm© {nNbm dîm© i) gm_mÝ` B©{ŠdQr {Qà 1 ny§Or AZwnmV (%) 8.12% —

ii) {Qà 1 ny§Or AZwnmV (%) — —

iii) {Qà 2 ny§Or AZwnmV (%) 2.44% —

iv) HwŸb ny§Or AZwnmV (grAmaEAma) (%) 10.56% —

v) gmd©O{ZHŸ úmoÍm HoŸ ~¢HŸm| _| ämmaV gaHŸma HŸr ímo aÜmm{aVm HŸr n«{VímVVm 74.06% 55.02%

vi) OwQmE JE B©{ŠdQr ny§Or HŸr am{ím (é. HŸamoSm| _|) _X g§ 10 H m g§X © bo§ 363.58 ímyÝ` vii) OwQmE JE A{V{aŠV {Qà 1 ny§Or HŸr am{ím {OZ_| go ímyÝ` ímyÝ`

nrEZgrnrEg :nrSrAmB© :OwQmE JE {Qà 2 ny§Or HŸr am{ím {OZ_| go 250.00 ímyÝ`FÊm ny§Or {b»mV (é. HŸamoSm| _|) : ímyÝ` ímyÝÀ{Üm_mZr ímo a ny§Or {b»mV : [(ímmídV g§M`r A{Üm_mZr ímo a (nrgrnrEg)/n«VXo J¡a-g§M`r A{Üm_mZr ímo a (AmaEZgrnrEg)/n«{VXo g§M`r A{Üm_mZr ímo a (AmagrnrEg)]

71

ii) {Zdoím (` HŸamoSm| _|)H«$_ g§. _X 31.03.2014 31.03.2013

1. {Zdoím H$m _yë`

{Zdoím H$m gH$b _yë` 42833.78* 31504.02

^maV _| 42833.78* 31504.02

^maV HoŸ ~mha ímyÝ` ímyÝ`

_yë`õmg VWm EZnrAmB© HoŸ {bE àmdYmZ (J¡a-{ZînmXHŸ {Zdoím) 248.39 219.06

^maV _| 248.39** 219.06


{Zdoím H$m {Zdb _yë` 42585.38 31284.96

^maV _| 42585.38 31284.96


2. {Zdoe na _yë`õmg HoŸ n«{V$Ym{aV àmdYmZm| H$m CVma-MT>md

AWeof 207.79 285.03

OmoS : i) df© HoŸ Xm¡amZ {HŸ`m J`m àmdYmZ 0.00 0.00

ii) {Zdoímm| HoŸ {ím{\²$Q>§J _| H$_r 77.08 27.89

KQ>mE§ : ~Åo »mmVo S>mbZm 48.94 105.13

B{V ímof 235.93 207.79

* `Ïmm 31.03.2014 HŸmo 575.00 HŸamoS ({nNbm dîm© 2000.00 HŸamoS) HŸm ~HŸm`m EbEE\Ÿ {anmo VÏmm 450.00 HŸamoS ({nNbm dîm©` 800.00 HŸamoS) HŸm ~HŸm`m E_EgE\Ÿ g{hV

** EZnrAmB© Ho$ ` 12.47 H$amoS ({nNbm dîm© ` 11.27 HŸamoS) Ho$ n«mdYmZ g{hV

“~¢HŸ HoŸ {Zdoím g§dämmJ-dJr©HŸaÊm, _yë`m§HŸZ d n«mdÜmmZrHŸaÊm'' na ämm.{a.~¢. n{anÍm Sr~rAmoSr.~rnr/~rgr.g§.41/21.04.141/2013-14{X.23.08.2013 _| AÝ` ~mVm| HoŸ gmÏm-gmÏm ~¢HŸm| HŸmo nyao {~HŸ«r hoVw CnbãÜm (EEgE\Ÿ) VÏmm ì`mnma hoVw Ümm{aV (EME\ŸQr) g§{dämmJm| na,Mmby {dËVr` dîm© 2013-14 _| n«Ë oHŸ _yë`m§HŸZ {XZm§HŸ na, g_mZ {HŸñVm| _| {Zdb _yë`õmg bJmZo HŸm {dHŸën {X`m J`m h¡. Ïmm 31.03.2014HŸmo EE\ŸEg VÏmm EME\ŸQr g§{dämmJm| na _yë`õmg bJmZo HŸm nyam A{ÜmHŸma ~¢HŸ HŸmo n«XmZ {HŸ`m J`m h¡.

iii) {anmo boZXZ HoŸ {ddaÊm (EbEE\$ {anmo HoŸ AYrZ ^m.{a.~¢HŸ go àmá g{hV) {ZåZmZwgma h¡ :(` HŸamoSm| _|)

ã`m¡ao df© HoŸ Xm¡amZ ~H$m`m 31.03.2014

Ý`yZV_ A{YH$V_ X¡o[ZH$ Am¡gV H$m o

{anmo HŸo A§VJ©V ~oMr JB© n«{Vämy{V`m§

1) gaHŸmar n«{Vämy{V`m§ ímyÝ` 2800.00 634.08 1025.00

2) HŸmnmo©aoQ FÊm n«{Vämy{V`m§ ímyÝ` ímyÝ` ímyÝ` ímyÝ`

{adg© {anmo HoŸ A§VJ©V IarXr JB© n«{Vämy{V`m§

1) gaHŸmar n«{Vämy{V`m§ ímyÝ` 14981.99 3224.50 879.43

2) HŸmnmo©aoQ FÊm n«{Vämy{V`m§ ímyÝ` ímyÝ` ímyÝ` ímyÝ`

72

{anmo boZXZ 31.03.2013 ({nNbo df©) (` HŸamoSm| _|)

ã`m¡ao df© HoŸ Xm¡amZ ~H$m`m 31.03.2014Ý`yZV_ A{YH$V_ X¡o[ZH$ Am¡gV H$m o

{anmo HŸo A§VJ©V ~oMr JB© n«{Vämy{V`m §

1) gaHŸmar n«{Vämy{V`m§ ímyÝ` 3100.00 436.82 2800.00#

2) HŸmnmo©aoQ FÊm n«{Vämy{V`m§ ímyÝ` ímyÝ` ímyÝ` ímyÝ`{adg© {anmo HoŸ A§VJ©V IarXr JB© n«{Vämy{V`m§1) gaHŸmar n«{Vämy{V`m§ ímyÝ` 2050.00 27.05 2050.00

2) HŸmnmo©aoQ F Êm n«{Vämy{V`m§ ímyÝ` ímyÝ` ímyÝ` ímyÝ`

# `Ïmm 31.03.2013 HŸmo ämm.{a.~¢. go gr_m§V ñÏmmB© gw{dÜmm (E_EgE\Ÿ) HoŸ AÜmrZ ` 800.00 H$amoS CÜmma {b`m J`m.

iv) J¡a-EgEbAma {Zdoím g§{d^mJJ¡a-EgEbAma {Zdoím H$r OmarH$Îmm© g§aMZm - 31.03.2014 (` HŸamoSm| _|)H«$_ OmarH$Vm© am{ím Agmd©O{ZH$ {Zdoím l«oÊmr go “loÊmr a{hV” “gyMr a{hV” g§. {Z`moOZ H$s {ZåZ n«{Vämy{V`m|H$s n«{Vämy{V`m| H$s n«{Vämy{V`m|

gr_m gr_m gr_m*** H$s gr_m (1) (2) (3) (4) (5) (6) (7)

(i) nrEg y 2749.58 2684.07 2313.72 177.10 0.00(ii) {dËVr` g§ñWmE§° ** 4358.21 675.06 50.50 3683.14 50.50(iii) ~¢HŸ 1919.17 209.93 25.00 53.56 0.00(iv) {ZOr H§ŸnZr 355.11 226.60 162.23 112.01(v) AZwîm§Jr/g§ wŠV CnHŸ«_ 0.00 0.00 0.00 0.00 32.67(vi) AÝ` 132.10 15.83 0.00 132.10(vii) _yë`õmg/EZnrAmB© HoŸ n«{V Ümm{aV àmdYmZ 195.02 X X X X X X X X X X X X

Hw$b 9319.15 3811.49 2551.45 4157.91 83.17ZmoQ :CnamoŠV HŸm°b_ 4, 5, 6 VÏmm 7 HoŸ AÜmrZ {anmoQ© HŸr J`r am{ím nañna AZÝ` Zhr§ hmo gH$Vr h¡§.** _o§ AmaAmB©SrE\$ Ho$ AYrZ ` 3615.57 H$amoS H$m {Zdoe ^r em{_b h¡.

J¡a-EgEbAma {Zdoím H$r OmarH$Îmm© g§aMZm - 31.03.2013 (` HŸamoSm| _|)H«$_ OmarH$Vm© am{ím Agmd©O{ZH$ {Zdoím l«oÊmr go “loÊmr a{hV” “gyMr a{hV” g§. {Z`moOZ H$s {ZåZ n«{Vämy{V`m|H$s n«{Vämy{V`m| H$s n«{Vämy{V`m|

gr_m gr_m gr_m*** H$s gr_m (1) (2) (3) (4) (5) (6) (7)(i) nrEg y 585.55 549.46 - - -(ii) {dËVr` g§ñWmE§° ** 3,279.39 3,216.72 60.00 - 55.50(iii) ~¢HŸ 754.66 256.03 10.00 - -(iv) {ZOr H§ŸnZr 428.79 347.16 130.89 13.77 37.79(v) AZwîm§Jr/g§ wŠV CnHŸ«_ 8.06 8.06 - - -(vi) AÝ` 382.69 306.05 26.40 4.82 -(vii) _yë`õmg/EZnrAmB© HoŸ n«{V Ümm{aV àmdYmZ (218.84) X X X X X X X X X X X X

Hw$b * 5,220.30 4683.48 227.29 18.59 93.29ZmoQ :* Cnamoº$ H$m°b_ 4,5,6 VWm 7 Ho$ AYrZ {anmoQ© H$r J`r am{e nañna AZÝ` Zhr§ hmo gH$Vr h¡§.** _o§ AmaAmB©SrE\$ Ho$ AYrZ ` 2795.40 H$amoS H$m {Zdoe ^r em{_b h¡.

73

v) H$) J¡a {ZînmXHŸ$ J¡a-EgEbAma {Zdoe (` HŸamoSm| _|) ã`m¡ao am{ím am{ím

31.03.2014 31.03.2013

AWeoîm 11.27 17.50

df© HoŸ Xm¡amZ n{adÜm©Z 5.85 0.00

CnamoŠV Ad{Üm HoŸ Xm¡amZ H$Q>m¡Vr 0.00 6.23

B{Veof 17.12 11.27

Hw$b Ym{aV àmdYmZ 12.47 11.27

b) I) J¡a-{ZînmXHŸ {d{ZYmZ HŸo {bE àmdYmZ _| CVma-MT>>md (` HŸamoSm| _|)

ã`m¡ao 31.03.2014 31.03.2013

AWeof 11.27 12.36

OmoS : df© HoŸ Xm¡amZ {HŸE JE àmdYmZ 1.20 0.00

KQ>mE§° : A{ÜmHŸ àmdYmZ HŸmo ~Åo »mmVo S>mbZm/nwwZam§H$Z H$aZm 0.00 1.09

B{Vímoîm 12.47 11.27

vi) ì wËßmÝZ :

H$) dm`Xm Xa H$ama/ã`mO Xa ñd¡n (` HŸamoSm| _|) ã`m¡ao 31.03.2014 31.03.2013

H$. ñd¡n H$ama HoŸ AmZw_m{ZH$ _yb YZam{e ímyÝ` 150.00

I. BZ H$amam| HoŸ AYrZ `{X n«{Vnm{Q© m§ AnZr Xm{`Ëdm| HŸmo Zht {ZämmVo h¢ Vmo hmoZodmbr hm{Z ímyÝ` 0.69

J. ñd¡n _| n«doím HŸaZo HoŸ {bE ~¢HŸ HŸmo Amdí`HŸ g§nm{íd©HŸ ímyÝ` ímyÝ`

K. ñd¡n go CËßmÝZ hmoZodmbo F$U Omo{I_ H$m H|$ÐrH$aU ímyÝ` ímyÝ`

S>. ñd¡n ~hr HŸm C{MV _yë` ímyÝ` 0.02

1) ã`mO Xa ñd¡n, AmpñV/Xo VmAm| na ã`mO Xa Omo{I_ H$s ajm Am¡a ì`mnma HŸo CX²Xoí` go HŸr J`r Wr.

2) ñd¡n H$s eV} {ñWa ã`mO Xa H$s VwbZm _| A{ñWa ã`mO Xa VWm A{ñWa ã`mO Xa H$s VwbZm _| {ñWa ã`mO Xa àmá H$aZo HoŸ {bE h¡.

3) ñd¡n HoŸ {bE n«{Vnúmr nmQr© ~¢HŸ$ h¡ Am¡a n«Ë oHŸ ~¢HŸ H$s Omo{»m_ {Z{hV G$U, AZw_mo{XV G$U Omo{»m_ gr_m HoŸ A§Xa h¡.

»m) {d{Z_` go ã`mO Xa ì wËßmÝZ (` HŸamoSm| _|) ã`m¡ao 31.03.2014 31.03.2013

(i) df© HoŸ Xm¡amZ AmZw_m{ZH$ _yb YZam{e HoŸ {d{Z_` go ì wËnÝZ ã`mO Xa (ànÌ-dma) eyÝ` eyÝ`

(ii) 31 _mM© 2014 H$mo AmZw_m{ZH$ _yb YZam{e Ho {d{Z_` go ì wËnÝZ {HŸ`m ã`mO Xa(ànÌ-dma) eyÝ` eyÝ`

(iii) AmZw_m{ZH$ _yb YZam{e HoŸ {d{Z_` go ì wËnÝZ {HŸ`m ã`mO Xa d 'A{ÜmHŸ n«ämmdr' Zht h¡ (ànÌ-dma) eyÝ` eyÝ`

(iv) {d{Z_` HoŸ ~mµOma _yë` go ì wËnÝZ ~HŸm`m ã`mO Xa d Omo 'A{ÜmHŸ n«ämmdr' Zht h¡(n«nÍm-dma) eyÝ` eyÝ`

74

vii) ì wËnÞ _| Omo{I_ OmZH$mar na àH$Q>rH$aU

H$) JwUmË_H$ àH$Q>rH$aU :

~¢HŸ Zo _§Sb Ûmam {d{YdV AZw_mo{XV Am¡a ^m.{a. ~¢H$ HoŸ _mJ©o{ZX}em| HoŸ AZwêŸn Omo{»m_ n«{Vaúmm, ì`mnma VÏmm J«mhHŸ godm HoŸ {bE ì wËnÝZboZXoZ HŸaZo HoŸ {bE EHŸ ì`mnHŸ ì wËßmÝZ Zr{V V¡ ma HŸr h¡. Zr{V _| ì wËßmÝZ boZXoZ HoŸ {bE g_w{MV gr_m g{hV n«HŸma, Xm`am Am¡a n« moJg§~§Ümr {Xímm{ZXo©ím {XE JE h¢. n[aMmbZmË_HŸ XúmVm Am¡a Omo{»m_ g§§~§Ümr MyHŸ HŸmo _Ôo ZµOa a»mVo hwE ì wËßmÝZ HŸm © \Ÿ«§Q Am\Ÿrg,{_S Am\ŸrgAm¡a ~¡HŸ Am\Ÿrg _| dJr©H¥ŸV {HŸ`m J`m h¡ VÏmm n«Ë oHŸ HŸm g§{dämmJ ñnîQ {ZÜmm©{aV h¡. Zr{V HoŸ AZwgma n«ämmdr {ZînmXZ HoŸ {bE n«{Vaúmmì wËßmÝZ na {Za§Va {ZJamZr a»mr OmVr h¡ Am¡a Omo{»m_ HŸ_ HŸaZo HoŸ {bE gwÜmmamË_HŸ Cnm` {HŸE OmVo h¢.

I) n{a_mUmË_H$ àH$QrH$aU (` HŸamoSm| _|)H«$_ g§. ã`m¡ao _wÐm ì wËßmÝZ ã`mO Xa ì wËßmÝZ

i) ì wVßmÞ (AmZw_m{ZH$$ _yb am{e)

H$) n«{Vaúmm HoŸ {bE eyÝ` eyÝ`I) ì`mnma HoŸ {bE eyÝ` eyÝ`

ii) ~mOma {ñÏm{V _| A§{HŸV (1)

H$) AmpñV (+) eyÝ` eyÝ`

I) Xo Vm (-) eyÝ` eyÝ`

iii) F$U Omo{»m_ (2) eyÝ` eyÝ`

iv) ã`mO Xa _| 1% n{adV©Z hmoZo na g§ämm{dV à^md (100 * nrdr 01)

H$) n«{Vajm ì wËßmÝZ na eyÝ` eyÝ`

I) ì`mnma ì wËßmÝZ na eyÝ` eyÝ`

v) df© HoŸ Xm¡amZ nm`r J`r A{ÜmHŸV_ d Ý yZV_ 100 * nrdr 01

H$) n«{Vajm na - A{YH$V_ eyÝ` eyÝ`- Ý yZV_ eyÝ` eyÝ`

I) ì`mnma na - A{ÜmH$V_ eyÝ` eyÝ`- Ý yZV_ eyÝ` eyÝ`

viii) AmpñV JwUdËVm

H$) J¡a {ZîmmXH$ AmpñV (` HŸamoSm| _|)

H«$_ g§. ã`m¡ao 31.03.2014 31.03.2013

(i) {Zdb A{J«_m| HoŸ n«{V {Zdb J¡.{Z.Am. (%) 1.55 1.30

(ii) J¡.{Z.Am. H$m AmdmOmhr (gH$b)

AWeoîm 1532.94 1718.46

df© HoŸ Xm¡amZ n[adY©Z 2173.87 1601.42

dîm© HoŸ Xm¡amZ hþB© H$_r 1720.95 1786.94

B{Veoîm 1985.86 1532.94

75

H«$_ g§. ã`m¡ao 31.03.2014 31.03.2013

(iii) {Zdb J¡.{Z.Am. _| AmdmOmhr

AWeoîm 909.69 998.01

dîm© HoŸ Xm¡amZ n[adY©Z/H$_r 352.68 (88.32)

B{Veoîm 1262.37 909.69

(iv) J¡.{Z.Am. HoŸ {bE àmdYmZ H$m AmdmOmhr*

AWeoîm 619.24 716.19

df© HoŸ Xm¡amZ {HŸE JE n«mdÜmmZ 400.29 437.80

~Åm ImVm SmbZm 309.61 534.75

B{Vímoîm 709.92 619.24

(* _mZH$ AmpñV`m| na àmdYmZ HŸmo NmoSHŸa d A{ñÏma n«mdÜmmZ HŸmo OmoS HŸa)

I) nwZgªaMZm hoVw F$U AmpñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

H«$_ g§. ã`m¡ao 31.03.2014 31.03.2013

H$. nwZgªaMZm, nwZì ©dñWm, nwZ:~mVMrV hoVw F$U AmpñV`m| H$s Hw$b am{e 4234.51 4635.71

CZ_| go grSrAma HoŸ AYrZ 1505.42 920.91

I. nwZgªaMZm, nwZì ©dñWm, nwZ:~mVMrV hoVw _mZH$ AmpñV`m| H$s am{ím 3979.17 4233.47

CZ_| go grS>rAma HoŸ AYrZ 1381.38 920.91

J. nwZgªaMZm, nwZì ©dñWm, nwZ:~mVMrV hoVw Ad_mZH$ AmpñV`m| H$s am{ím 71.71 112.10

CZ_| go grSrAma HoŸ AYrZ 52.73 eyÝ`

K. nwZgªaMZm, nwZì ©dñWm, nwZ:~mVMrV hoVw g§{X½Üm$ AmpñV`m| H$s am{ím * 183.63 290.14

CZ_| go grSrAma HoŸ AYrZ 71.31 eyÝ`

ZmoQ: (H$ = I + J + ¿m)

EgE_B© »mmVm| HoŸ {bE FÊm nwZgªaMZm (` HŸamoSm| _|)31.03.2014 31.03.2013

HŸ nwZgªaMZm HoŸ AÜmrZ EgE_B© HŸr Am{ñV`m| HŸr HwŸb am{ím (»m + J + ¿m) 115.03 123.75

»m nwZgªaMZm HoŸ AÜmrZ EgE_B© HŸr _mZHŸ Am{ñV`m| HŸr am{ím 31.67 56.72

J nwZgªaMZm HoŸ AÜmrZ EgE_B© HŸr Ad_mZHŸ Am{ñV`m| HŸr am{ím 8.39 1.54

¿m nwZgªaMZm HoŸ AÜmrZ EgE_B© HŸr g§{X½Üm Am{ñV`m| HŸr am{ím * 74.97 65.49

76

J) nwZgªa{MV »mmVm| HoŸ {ddaÊm (` H ŸamoSm| _|)

CÜmmaHŸVm©Am| HŸr g§. 27 0 2 0 29 29 85 1436 182 1732 2860 416 2982 169 6427 2916 501 4420 351 8188

~HŸm`m am{ím 824.93 0 26.24 0 851.17 15.44 1.55 14.32 51.16 82.47 3173.51 96.63 192.85 5.56 3468.55 4013.88 98.18 233.41 56.72 4402.19

Cg na n«mdÜmmZ(Am{Ïm©HŸ hm{Z) (74.53) 0 0 0 (74.53) (1.3) 0 0 0 (1.3) (24.09) (0.1) (0.58) (0.08) (24.85) (99.92) (0.1) (0.58) (0.08) (100.68)


~HŸm`m am{ím 417.47 0 41.68 0 459.15 10.99 0 9.23 0 20.22 849.78 0.16 0 0 849.94 1278.24 0.16 50.91 0 1329.31

Cg na n«mdÜmmZ 57.88 0 4.71 0 62.59 0.15 0 0.07 0 0.22 6.63 0 0 0 6.63 64.66 0 4.78 0 69.44


~HŸm`m am{ím 0 0 0 0 0 3.21 0.2 1.8 0 5.21 34.55 26.04 12.15 0 72.74 37.76 26.24 13.95 0 77.95Cg na n«mdÜmmZ 0 0 0 0 0.00 0.00 0.01 0.17 0.00 0.18 22.05 0.73 0.29 0.00 23.07 22.05 0.74 0.46 0.00 23.25

CÜmmaHŸVm©Am| HŸr g§. 10 0 0 0 10 272 0 0 0 272 2626 0 0 0 2626.00 2908 0 0 0 2908

~HŸm`m am{ím 287.51 0 0 0 287.51 17.26 0 0 0 17.26 1154.55 0 0 0 1154.55 1459.32 0 0 0 1459.32

Cg na n«mdÜmmZ 62.46 0 0 0 62.46 0.13 0 0 0 0.13 17.78 0 0 0 17.78 80.37 0 0 0 80.37

CÜmmaHŸVm©Am| HŸr g§. 0 1 0 0 1 5 11 2 0 18 23 30 17 1 71.00 28 42 19 1 90.00

~HŸm`m am{ím 0 3.39 0 0 3.39 0.33 0.621 0.01 0 0.961 66.56 2.737 0.39 0.03 69.72 66.89 6.748 0.4 0.03 74.07

Cg na n«mdÜmmZ 0 0.97 0 0 0.97 0 0 0 0 0 0 0 0 0 0.00 0 0.97 0 0 0.97

CÜmmaHŸVm©Am| HŸr g§. 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00 0 0 0 0 0.00

~HŸm`m am{ím 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00 0 0 0 0 0.00

CÜmmaHŸVm©Am| HŸr g§. 30 0 11 0 41 (220) 0 0 0 (220) 914 0 0 0 914.00 724 0 11 0 735.00

~HŸm`m am{ím 954.89 0 67.92 0 1022.81 12.05 0 0 0 12.05 2969.85 0 0 0 2969.85 3936.79 0 67.92 0 4004.71

Cg na n«mdÜmmZ (79.11) (0.97) 4.71 0 (75.37) (1.28) 0.01 0.24 0 (1.03) (13.19) 0.63 (0.29) (0.08) (12.85) (93.58) (0.33) 4.66 (0.08) (89.25)

HŸ«_g§.

ddaÊmgrSrAma V§Ím HoŸ AÜmrZ (ämmJ J)

_mZHŸ Ad_mZHŸ g§{X½Üm hm{Z HwŸb HwŸb HwŸbEgE_B© FÊm nwZgªaMZm V§Ím HoŸ AÜmrZ AÝ` (ämmJ HŸ d »m) HwŸb

HwŸb

1 `Ïmm 01.04.2014

HŸmo nwZgªa{MV »mmVo(31 _mM© 2010 gonhbo n wZgªa{MV»mmVm| HŸmo NmoSHŸa)

2 {dËVr` dîm© 2013-

14 HoŸ Xm¡amZ ZE {gaogo nwZgªaMZm

3 {dËVr` dîm© 2013-

14 Ho Xm¡amZ nwZgªa{MV_mZHŸ g§dJ© _| CÝZ`Z

4 nwZgªa{MV _mZHŸ A{J«_m| Omo{dËVr` dîm© 2014 HoŸ A§V VHŸA{ÜmHŸ n«mdÜmmZ VÏmm/`mA{V{aŠV Om o{»m_ ämmaAmHŸ{îm©V Z HŸaVm h¡ Am¡aBg{bE AJbo {dËVr` dîm©2014-15 H o Ÿ n «ma §äm _ |nwZgªa{MV _mZHŸ A{J«_m| HoŸêŸn _| Xímm©Zo HŸr Amdí`HŸVmZht h¡ (31 _mM© 2011 gonhbo nwZgªa{MV »mmVo)

5 {dËVr` dîm© 2013-14

HoŸ Xm¡amZ nwZgªa{MV»mmVm| HŸm AdZ`Z

6 {dËVr` dîm© 2013-14HoŸ Xm ¡amZ nwZgªa{MV»mmVm| HŸm ~Åo »mmVoSmbZm

7 `Ïmm {dËVr` dîm©31.03.2014 HŸmonwZgªa{MV »mmVo

_mZHŸ Ad_mZHŸ g§{X½Üm hm{Z _mZHŸ Ad_mZHŸ g§{X½Üm hm{Z _mZHŸ Ad_mZHŸ g§{X½Üm hm{Z

77

¿m) ämmaVr` {aµOd© ~¢HŸ HoŸ {XZm§HŸ 27 AJñV, 2008 HoŸ {ddoHŸnyÊm© {Xímm{ZXo©ímm| VÏmm Bg g§~§Üm _| g_`-g_` na Omar ñnîQrHŸaÊm/{Xímm{ZXo©ímm| HoŸAÜmrZ nwZgªa{MV A{J«_m| HoŸ _m_bo _| ~¢HŸ Zo, A{J«_m| HoŸ C{MV _yë` na _yë`õmg HoŸ {bE `84.42 HŸamoS ({nNbo df© Ho$ ` 81.36 HŸamoS)HŸr am{ím HŸm n«mdÜmmZ {HŸ`m h¡, ~¢HŸ HŸr am` _| Bg n«HŸma HŸr g§aMZm, Eogo nwZgªa{MV A{J«_m| na ã`mO Xa HoŸ CÜd©_w»mr g§ímmoÜmZ HŸmo Ü`mZ _| a»mVohwE n`m©ßV h¡. HŸ{ÏmV n{anÍm _| nwZgªaMZm HoŸ {bE {Z{hV ímVmoª HŸm nyÊm© AZwnmbZ {HŸ`m Om ahm h¡.

S.>) AmpñV nwZgªaMZm H$o${bE à{V y[VH$aU H§$nZr/nwZgªaMZm H§$nZr H$mo ~oMr J`r AmpñV`m| HŸo {ddaU (` HŸamoSm| _|)H«$_ {ddaU 31.03.2014 31.03.2013 g§. 01 ImVm| H$s g§»`m 9 eyÝ`

02 à.H§$./nw.H§$. HŸmo ~oMo JE ImVm| H$m Hw$b _yë` (àmdYmZm| H$m {Zdb) 37.68 eyÝ` 03 Hw$b à{V\Ÿb 110.36 eyÝ` 04 {nNbo dfm}§ _| A§V{aV ImVm| HoŸ g§~§Üm _| àmá A{V{aŠV n«{V\Ÿb eyÝ` eyÝ`

05 {Zdb ~hr _yë` na Hw$b bm^/hm[Z 72.68 eyÝ`

M) »marXo/~oMo JE A{ZînmXHŸ Am{ñV`m| HoŸ {ddaÊm

i) »marXo JE A{ZînmXHŸ {dËVr` Am{ñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

{ddaU 31.03.2014 31.03.2013

1. (HŸ) dîm© HoŸ Xm¡amZ »marXo JE »mmVm| HŸr g§»`m eyÝ` eyÝ`

(»m) HwŸb ~HŸm`m eyÝ` eyÝ`

2. (HŸ) Bg_| go dîm© HoŸ Xm¡amZ nwZJ©{RV »mmVo eyÝ` eyÝ`

(»m) HwŸb ~HŸm`m eyÝ` eyÝ`

ii) {~HŸ«r {HŸE JE A{ZînmXHŸ {dËVr` Am{ñV`m| HoŸ {ddaÊm (` HŸamoSm| _|)

{ddaU 31.03.2014 31.03.2013

1. {~HŸ«r {HŸE JE »mmVm| HŸr g§»`m 9 eyÝ`

2. HwŸb ~HŸm`m 83.34 eyÝ`

3. n«mßV HwŸb n«{V\Ÿb 110.36 eyÝ`

N) _mZH$ AmpñV`m| HoŸ n«{V àmdYmZ (` HŸamoSm| _|) {ddaU 31.03.2014 31.03.2013

_mZH$ AmpñV`m| HoŸ n«{V àmdYmZ 424.02 342.19

HwŸb 424.02 342.19

O) HŸmamo~ma AZwnmV (` HŸamoSm| _|)

{ddaU 31.03.2014 31.03.2013

H$m ©H$mar {Z{Y n«{VímV HoŸ êŸn _| ã`mO Am` 9.08% 9.27%

J¡a-ã`mO Am` H$m ©H$mar {Z{Y n«{VímV HoŸ êŸn 0.60% 0.62%

n[aMmbZmË_H$ bm^ H$m ©H$mar {Z{Y n«{VímV HoŸ êŸn _| 0.94% 1.15%

Am¡gV AmpñV`m| na n«m{ßV`m§ 0.35% 0.59%

n«{V H$_©Mmar Am¡gV HŸmamo~ma (O_mam[e`m§ + A{J«_) 13.82 12.40

n«{V H$_©Mmar {Zdb bm^ 0.03 0.05

78

ix) AmpñV Xo Vm à~§YZ : AmpñV`mo| Am¡a Xo VmAmo| H$s H$wN> _Xmo| H$s n[anŠdVm H$m ñdén : (` HŸamoSm| _|)

1 {XZ 2 - 7 8 -14 15-28 29 {XZm| g§ 3 _hrZm| 6 _hrZm| go 1 df© go 3 df© go 5 df©§ go Hw$b{XZ {XZ {XZ 3 _hrZo go ApÜmH$ d A{ÜmHŸ d A{ÜmHŸ d A{ÜmHŸ d A{ÜmHŸ

6 _hrZm| VH$ 1 df© VH$ 3 df© VH$ 5 df© VH$

O_m 494.28 4037.35 2341.25 3783.15 26275.54 11030.34 44080.03 9343.92 22368.52 541.78 124296.16

A{J«_ * 752.31 368.84 679.59 777.28 5553.56 4364.71 5206.63 43700.82 9668.03 10432.26 81504.03

{Zdoe* 195.15 1744.95 148.72 1211.48 1782.72 842.48 2069.35 6927.47 9845.15 17817.91 42585.38

CYma** 350.00 2552.76 0.00 0.00 0.00 45.38 45.73 500.93 400.00 850.00 4744.80

{dXoímr _wÐmA{ñV`m§ 124.62 609.07 5.99 23.63 57.21 90.31 14.41 0.00 0.00 0.65 925.89

{dXoímr _wÐmXo`VmE§ 709.97 0.96 5.04 0.94 16.73 28.23 72.17 39.67 52.17 0.00 925.89

AmpñV`m| Am¡a Xo VmAmo| HŸmo ämmaVr` {aµOd© ~¢HŸ HoŸ {Xímm {ZXo©ímmZwgma n«~§YZ Ûmam dJr©H¥ŸV {H$ m J`m h¡ Am¡a boImnarjH$mo§ Ûmam Bg na ^amogm {H$ m J`m h¡.

* Am§HŸSo ñWyb êŸn go {Zdb àmdYmZ h¡.

** ^maV _| CYma

x) g§doXZerb úmoÍm HŸmo CÜmma

H$) ñWmda g§nXm úmoÍm HŸmo CÜmma (` HŸamoSm| _|)

{ddaU 31.03.2014 31.03.2013

1) àË`j CYma

H$. Amdmgr ~§ÜmHŸ

(i) Amdmgr` g§nXm na ~§ÜmHŸ HoŸ êŸn _| nyÊm© êŸn go n«{VämyV CYma {Og_o§ CYmaH$Vm©ahoJm `m Cgo {HŸamE na XoJm 7659.72 6468.16

(ii) n«mÏm{_HŸVm úmoÍm A{J«_ _| ímm{_b {HŸE OmZo HoŸ {bE nmÍm AbJ-AbJ AmdmgFÊm (CnamoŠV _| ímm{_b {HŸE JE) 4627.85 4377.15

I. dm{Êm{Á`HŸ ñÏmmda g§nXm VÏmm Am` CËnÝZ HŸaZodmbr ñÏmmda g§nXm

dm{Êm{Á`HŸ g§nXm na ~§ÜmHŸ HoŸ êŸn _| n«{VämyV CYma (H$m`m©b` ^dZ, {aQob ñnog,~hw CÔoí` dm{Êm{Á`HŸ n{aga,~hw n{adma Amdmgr` ^dZ, ~hw {HŸamEXma dm{Êm{Á`HŸn{aga, Am¡Úmo{JH$ `m ^ÊS>ma OJh, hmoQob, y-ñdmYrZ, {dHŸmg VÏmm {Z_m©Êm Am{X)Omo{»m_ _| J¡a {Z{Üm AmÜmm{aV gr_m ^r ímm{_b hm|Jo. 5725.31 3833.86

J. ~§ÜmHŸ HoŸ êŸn _| Xr J`r n«{Vämy{V`m§ VÏmm AÝ` n«{VämyV Omo{»m_ _| {Zdoím

(i) Amdmgr` ímyÝæm ímyÝæm

(ii) d{Êm{Á`HŸ ñÏmmda g§nXm 1.91 3.33

2) AàË`j CYma

amîQ—r` Amdmg ~¢HŸ (EZEM~r) VWm Amdmgr` {dËVr` H§ŸnZr (EME\$gr) na {Z{ÜmAmÜmm{aV J¡a-{Z{Üm Am{Ümm{aV CÜmma 3820.73 1415.00

ñÏmmda g§nXm úmoÍm _| HwŸb Omo{»m_ 17207.67 11720.35

79

I) ny§Or ~mµOma HŸmo CÜmma (` HŸamoSm| _|)

H«$_ g§. {ddaU 31.03.2014 31.03.2013

(i) B©{ŠdQr ímo a, n{adV©Zr` ~m§S, n{adV©Zr` {S~|Ma d B©{ŠdQr CZ_w»m å yMwAb \§ŸSHoŸ y{ZQ {OgHŸr _yb {Z{Üm HŸm AZÝ` êŸn go H§ŸnZr HŸO© _| {Zdoím Zht {HŸ`m J`m h¡. 229.18 225.25

(ii) ímo a/~m§S/{S~|Ma `m AÝ` n«{Vämy{V`m| HoŸ n«{V A{J«_ `m {Z~ªÜm AmÜmma naì`{ŠV`m| HŸmo ímo am| (AmB©nrAmo/B©EgAmonr g{hV) n{adV©Zr` ~m§S, n{adV©Zr`{S~|Ma d B©{ŠdQr CÝ_w»m å yMwAb \§ŸS HoŸ y{ZQm| _| {Zdoím HŸaZo HoŸ {bE A{J«_. eyÝ` 0.07

(iii) {HŸgr ämr AÝ` HŸm © HoŸ {bE A{J«_ Ohm± ímo a `m n{adV©Zr` ~m§S `m n{adV©Zr` {S~|Ma`m B©{ŠdQr CÝ_w»m å yMwAb \§ŸS HoŸ y{ZQm| HŸmo n«mÏm{_HŸ n«{Vämy{V HoŸ êŸn _| {b`m J`m h¡. eyÝ` eyÝ`

(iv) {HŸgr ämr AÝ` CÔoí` HoŸ {bE ímo a `m n{adV©Zr` ~m±S n{adV©Zr` {S~|Ma `m B©{ŠdQrCÝ_w»m å yMwAb \§ŸS HoŸ O¡go g§nm{íd©HŸ n«{Vämy{V go n«{VämyV A{J«_ Ohm± ímo a/n{adV©Zr`~m±S/n{adV©Zr` {S~|Ma/B©{ŠdQr CÝ_w»m å yMwAb \§ŸS HoŸ Abmdm n«mÏm{_HŸ n«{Vämy{V gonyÊm© êŸn go a{úmV Zht h¡. eyÝ` eyÝ`

(v) ímo a Xbmb HŸmo n«{VämyV d An«{VämyV A{J«_ Ed§ ímo a Xbmb Am¡a ímo a g§VwbZHŸVm©HŸr Amoa go Omar Jma§Qr. 50.00 75.00

(vi) g§gmÜmZ OwQmZo HoŸ CÔoí` go ZB© H§Ÿn{Z`m| HoŸ B©{ŠdQr _| n«dV©HŸ HŸm A§ímXmZ MwHŸmZo HoŸ{bE {Z~©Üm AmÜmma na `m ímo a/~m§S/{S~|Ma HoŸ µO_mZV HoŸ n«{V H§Ÿn{Z`m| HŸmo _§Oya FÊm. eyÝ` eyÝ`

(vii) n«Ë`mm{ímV B©{ŠdQr n«dmh/{ZJ©_ HoŸ n«{V H§Ÿn{Z`m| HŸmo VmËHŸm{bHŸ FÊm eyÝ` eyÝ`(viii) ~¢HŸm| Ûmam ímo am| `m n{adV©Zr` ~m§Sm| `m n{adV©Zr` {S~|Ma `m B©{ŠdQr CÝ_w»m

å yMwAb \§ŸS y{ZQm| HoŸ g§~§Üm _| br JB© hm_rXmar n«{V~ÕVmE§ eyÝ` eyÝ`(ix) _m{O©Z ì`mnma HoŸ {bE ímo a Xbmbm| HŸm {dËVnmoîmÊm. eyÝ` eyÝ`(x) Omo{»m_ ny§Or {Z{Üm`m| (n§OrH¥ŸV d n§OrH¥ŸV Z HŸr JB© XmoZm|) HŸmo {HŸE JE g~

n«HŸma HoŸ {Zdoím 15.83 14.50

ny§Or ~mµOma HŸmo HwŸb {Zdoím 295.01 314.82

xi) Omo{»m_ dJ©-dma Xoím> CYma (` HŸamoSm| _|)

Omo{»m_ H$m dJ© 31.03.2014 31.03.2014 31.03.2013 31.03.2013

HŸmo CÜmma ({Zdb) HŸmo Ümm{aV n«mdÜmmZ HŸmo CÜmma ({Zdb) HŸmo Ümm{aV n«mdÜmmZ

ZJÊ` 1022.08 eyÝ` 500.66 eyÝ`

H$_ 234.16 eyÝ` 226.62 eyÝ`

_Ü`_ 43.54 eyÝ` 29.06 eyÝ`

~hwV 14.98 eyÝ` 1.20 eyÝ`

AË`{ÜmHŸ 1.62 eyÝ` eyÝ` eyÝ`

gr{_V eyÝ` eyÝ` eyÝ` eyÝ`G$U go n¥ÏmHŸ eyÝ` eyÝ` eyÝ` eyÝ`

Hw$b 1316.38 eyÝ` 757.54 eyÝ`

n«Ë oHŸ Xoím HoŸ gmÏm ~¢HŸ HŸm {dXoímr {d{Z_` boZ-XoZ HoŸ g§~§Üm _| {XE JE {Zdb {Z{ÜmHŸ CÜmma ~¢HŸ HoŸ Hw$b AmpñV`m| HoŸ 1% HoŸ A§Xa hmZo HoŸ HŸmaUCgHoŸ {bE ämmaVr` {aµOd© ~¢HŸ HoŸ {XZ§mHŸ 19.02.2003 HoŸ n{anÍm Sr~r~moSr/~rgr.71/21.04.103/2002-03 HoŸ gmÏm nTo {XZm§HŸ 17.06.2004n{anÍm Sr~r~moSr/~rgr.96/ 21.04.103/2003-04 HoŸ AZwgma àmdYmZ HŸaZo HŸr Amdí`H$Vm Zht h¡.

80

xii) F Êm {Zdoím HoŸ ã`m¡ao Ohm§° df© HoŸ Xm¡amZ ~¢HŸ Ûmam {ddoHŸnyÊm© {Zdoím go A{ÜmHŸ {Zdoím {HŸ`m J`m

(HŸ)^maVr` {HgmZ Cd©aH Hmonmo©ao{Qd {b{_QS (AmBE\ E\ grAmo) (` H$amoS>>m| _|)

1 1359.45 1255.00 553.99 An«¡b-13 eyÝ`

307.01 _B©-13 eyÝ`

1.03 OyZ-13 eyÝ`

0.00 OwbmB©-13 eyÝ`

0.00 AJñV-13 eyÝ`

0.00 {gV§~a-13 eyÝ`

0.70 AŠVy~a-13 eyÝ`

0.00 Z§d~a-13 eyÝ`

2 1431.00 1255.00 0.00 {Xg§~a-13 eyÝ`

0.00 OZdar-14 eyÝ`

3 1431.00 1259.07 4.06 \Ÿadar-14 eyÝ`

4 1073.25 504.07 501.30 _mM©-14 eyÝ`

H«$_g§.

{Zdoím gr_m 15% H$r Xago O¡gm {H$ ì ¡{H²$VH$

CYmaH$Îmm©Amo§ Ho$ {bE bmJy h_§Oya gr_m ~HŸm`m

ímoîm_mh am{e

Ad{Üm {OgHo$ Xm¡amZ gr_mHŸmo nma {HŸ`m J`m _§S>b H$s _§Oyar HoŸ ã`m¡a

`Ïmm31.03.2014 H$mo

~HŸm`m ímoîm

_§Sb _§Oyar {ddaÊm :

v h_mar ZohêŸ ßbog ímm»mm, {Xëbr _o§` 925.00 HŸamoS go ` 1255.00HŸamoS VHŸ AmoSr HoŸ êŸn _| ~TmZo HŸr FÊmì`dñÏmm (HŸma©dmB© g§.E_gr:E:22 d27:.2013 {X.23.02.2013 Ûmam_§Oyar {XZm§HŸ go EHŸ dîm© HŸr Ad{Üm HoŸ{bE AZw_mo{XV

v E_gr:E:65/2014 {XZm§{HŸV 24.03.2014

HoŸ O{aE {Z`V {XZm§HŸ 23.02.2014 HoŸnao go 24.03.2014 VHŸ g§MmbZ hoVwAZw_{V XoZo HŸr ímm»mm HŸr HŸma©dmB© HŸm AZwg_Ïm©Z

v h_mar ZohêŸ ßbog ímm»mm, {Xëbr _o§` 1255.00 HŸamoS go ` 500.00HŸamoS VHŸ AmoSr HoŸ êŸn _| ¿mQmd HoŸ gmÏmZdrH¥ŸV FÊm ìæìñÏmm (HŸma©dmB© g§. E_gr:E: 65/2014 {X.24.03.2014Ûmam _§Oyar {XZm§HŸ go EHŸ dîm© HŸr Ad{ÜmHoŸ {bE AZw_mo{XV

501.30

{ddoHŸnyÊm© {Zdoím gr_m : 15%+5% [''AndmX ñdêŸn n{a{ñÏm{V`m|'' HoŸ AÜmrZ Amdí`HŸ ímVmoª HoŸ AZwnmbZ HoŸ ímV© na]; `1019.59 HŸamoS +

` 339.86 HŸamoS AÏmm©V An«¡b 2013 go Zd§~a 2013 VHŸ ` 1359.45 HŸamoS VÏmm ` 1073.25 HŸamoS ` 357.75 HŸamoS AÏmm©V {Xg§~a

2013 go _mM© 2014 VHŸ ` 1431.00 HŸamoS ]

AndmXñdêŸn n{a{ñÏm{V`m| go g§~§{ÜmV ímVmoª HoŸ AZwnmbZ na _§Sb {ZXoímHŸm| Zo _§Sb g§HŸën g§.02/2013 {XZm§{HŸV 01.03.2013 HoŸ AZwgma

''{ddoHŸnyÊm© {Zdoím _mZX§Sm|'' HoŸ AÜmrZ AZw_moXZ n«XmZ {HŸ`m h¡. {\Ÿa ämr, OyZ 2013 go \Ÿadar 2014 VHŸ gr_m HŸm Cn`moJ Zht {HŸ`m J`m h¡ VÏmm

An«¡b 2013, _B© 2013 Am¡a _mM© 2014 _| Omo Cn`moJ {HŸ`m J`m h¡, dh ''{ddoHŸnyÊm© {Zdoím _mZX§Sm|'' HoŸ ämrVa h¡.

xiii) O_mam{ím`m|, A{J«_, FÊm Omo{»m_ VÏmm EZnrE H$m Ho §ÐrH aU(~¢HŸ Ûmam g_o{HŸVmZwgma)

HŸ) O_mam{ím`m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So O_mHŸVm©Am| HŸr HwŸb O_mam{ím`m§ 16985

~¢HŸ HŸr HwŸb O_mam{ím`m| HŸr VwbZm _| 20 ~So O_mHŸVm©Am| HŸr O_mam{ím`m| HŸm n«{VímV 13.66%

81

»m) A{J«_m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So O_mHŸVm©Am| HoŸ HwŸb A{J«_ 16900.83

~¢HŸ HoŸ HwŸb A{J«_ HŸr VwbZm _| 20 ~So O_mHŸVm©Am| HoŸ A{J«_m| HŸm n«{VímV 16.57%

J) Omo{»m_m| H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

20 ~So CÜmmaHŸVm©Am|/J«mhHŸm| HoŸ HwŸb Omo{»m_ 18649.94

CÜmmaHŸVm©Am|/J«mhHŸm| na ~¢HŸ HoŸ HwŸb Omo{»m_m| HŸr VwbZm _| 20 ~So CÜmmaHŸVm©Am|/J«mhHŸm| HoŸ Omo{»m_ HŸm n«{VímV 18.28%

¿m) EZnrE H$m Ho$ÝÐrH$aU (` H$amoS>>m| _|)

HwŸb Omo{»m_ HŸr VwbZm _| ímrîm© 4 EZnrE »mmVo 399.84

xiv) úmoÍmdma EZnrE

HŸ«_ úmoÍm Cg úmoÍm _| HwŸb A{J«_m| HŸr g§. VwbZm _| EZnrE n«{VímV 1 H¥Ÿ{îm Ed§ g§~Õ HŸm ©HŸbmn 4.63

2 CÚmoJ (gyú_ Ed§ b¿mw, _Ü`_ Ed§ ~So) 4.71

3 godmE§ 2.74

4 d¡ {ŠVHŸ FÊm 2.52

xv) EZnrE HŸm MbZ

{ddaÊm am{ím ` HŸamoSm| _|

1 An«¡b, 2013 HŸmo gHŸb EZnrE 1532.94

dîm© HoŸ Xm¡amZ OmoS (ZE EZnrE) 2173.87

Cn-HwŸb (HŸ) 3706.81

¿mQmE§ :

(i) CÝZ`Z 989.15

(ii) dgybr (CÝZ`Z {HŸE JE »mmVm| go HŸr J`r dgy{b`m| HŸmo NmoSHŸa) 435.94

(iii) ~Åo »mmVo SmbZm 295.86

Cn-HwŸb (»mŸ) 1720.95

31 _mM©, 2014 HŸmo gHŸb EZnrE (HŸ - »m) 1985.86

82

(xvi) VHŸZrHŸr êŸn go ~Åo »mmVo Smbo JE Am¡a Cg na HŸr J`r dgy{b`m§ : (` HŸamoSm| _| )

{ddaÊm 31.03.2014 31.03.2013

VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVo HŸm AÏmímoîm 1337.62 929.38

OmoSµo§ : dîm© HoŸ Xm¡amZ VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVo 293.36 534.75

Cn HwŸb 1630.98 1564.13

¿mQmE§ : nhbo hr VHŸZrHŸr/{ddoHŸnyÊm© êŸn go Smbo JE ~Åo »mmVm| go HŸr J`r dgy{b`m§ 94.30 173.49

B{Vímoîm 1525.28 1337.62

xvii) g_wÐmnmar` Am{ñV`m§, EZnrE VÏmm amOñd : ímyÝ`

xviii) n«m`mo{OV VwbZ nÍm go BVa Egnrdr n«m`mo{OV({OZHŸm bo»mm§HŸZ _mZX§Sm| HoŸ AZwgma g_o{HŸV {HŸ`m OmZm Ano{úmV h¡)

n«m`mo{OV Egnrdr HŸm Zm_

Xoímr g_wÐnmar`

ímyÝ` ímyÝ`

xix) n«mdÜmmZ HŸdaoO AZwnmV : 31 _mM©, 2014 HŸmo HŸdaoO AZwnmV ämm.{a.~¢. _mJ©{ZXo©ímmZwgma 64.05% h¡ ({nNbo df© 68.31% Wm). VWm{n,~¡§H$ Zo m{a~¡§ n{anÌ Sr~rAmoSr.~rnr.~rgr. 87-21.048/2010-11 {XZm§H$ 21.04.2011 Ho$ AZwgma H${WV nrgrAma hm{gb H$a {b`m h¡.

xx) An«{VämyV A{J«_ : ~¢HŸ _| HŸmoB© An«{VämyV A{J«_ Zht h¡ O~{HŸ A_yV© n«{Vämy{V`m| HŸmo g§nm{íd©HŸ n«{Vämy{V`m| HoŸ êŸn _| {b`m J`m h¡.

xxi) dîm© 2013-14 HoŸ Xm¡amZ ~¢HŸ Zo ämmaV _| yEgSr 13,07,85,850.77 am{ím HoŸ {Z`m©V {HŸE JE _mb HoŸ g§~§Üm _| 211 AmídmgZ nÍm Omar {HŸE.o AmídmgZ nÍm ~¢HŸ HoŸ {dËVnmoîmÊm na Cggo nSZodmbo n«ämmd HoŸ {d{ÜmdV _yë`m§HŸZ HŸaZo HoŸ ~mX VÏmm ~¢HŸ HoŸ gúm_ n«m{ÜmHŸmar HoŸ AZw_moXZ go Omar

{HŸE JE. VwbZ nÍm HŸr Vmar»m HŸmo yEgSr 3,83,48,781.36 (1 yEgSr = ` 59.92 HŸr Xa go bJ^J ` 229.78 H$amoS) HoŸ 81 AmídmgZnÍm ~HŸm`m h¡ {OZH$m n«~§YZ Ho$ {dMma go ~¢HŸ HŸr {dËVr` {ñÏm{V na {OgHŸm HŸmoB© _hËdnyÊm© n«ämmd Zht hmoJm.

xxii) 2013-14 HoŸ Xm¡amZ ~r_m H$mamo~ma go ewëH$/ nm{al{_H

H«$_ g§. Am` H$m ñdêŸn 2013-14 (` HŸamoSm| _o§)

1 OrdZ ~r_m nm{b{g`mo§ H$mo ~oMZo Ho$ {bE 3.05

2 J¡a-OrdZ ~r_m nm{b{g`mo§ H$mo ~oMZo Ho$ {bE 2.09

3 å yMb \§$S CËnmXmo§ H$mo ~oMZo Ho$ {bE eyÝ`

4 AÝ` ({Z{X©ï H$ao§) eyÝ`

7. HŸmnmo©aoQ _m_bmo§ HoŸ _§Ímmb` Ûmam H§ŸnZr (bo»mmHŸaÊm _mZH$) {Z`_, 2006 HoŸ AÜmrZ A{Ümgy{MV bo»mmHŸaÊm _mZHŸm| HoŸ VhV gyMZm HŸmAZwnmbZ :

i) ^m¡o{VH$ {nNbr Ad{Y H$s bm^ d hm{Z ImVo _| ímm{_b Eogr HŸmoB© ^r _X| Zht h¡ {Ogo "EEg-5" HoŸ AZwgma àH$Q>rH$aU {H$`m OmZm Amdí`H$ h¡.

ii) ~¢HŸ HŸr bo»mm Zr{V g§.9 HoŸ AZwgma HwŸNoHŸ _Xm| HŸmo ZHŸX AmÜmma na _mÝ`Vm Xr OmVr h¡. bo{HŸZ n«~§ÜmZ HŸr `hr am` h¡ {HŸ {Z`mo{OV aHŸ_ ZJÊ` hmoZoHoŸ HŸmaÊm "EEg-9" HoŸ AÜmrZ Cgo n«HŸQ HŸaZo HŸr µOêŸaV Zht h¡.

83

iii) ~¢HŸ Ûmam EEg& && HoŸ AZwgma boZXoZ HŸr Vmar»m HŸmo Xa na Zht ~{ëHŸ E\ŸB©SrEAmB© Ûmam {ZÜmm©{aV {nNbo _hrZo HoŸ A§{V_ gßVmh HŸr gmßVm{hHŸ Am¡gVXa na {dXoímr _wÐm boZXoZm| HŸm {Za§Va êŸn go nwZ_©yë`m§HŸZ {HŸ`m Om ahm h¡. n««~§ÜmZ HŸr `h am` Ïmr {HŸ dîm© HoŸ Xm¡amZ »mmVm| na HŸmoB© ämm¡{VHŸ n«ämmd Zht h¡.

iv) EEg-15 HoŸ AÜmrZ {ZåZ{b{»mV OmZHŸmar n«HŸQ HŸr J`r h¡² : (` HŸamoSm| _|)

HŸ«_ {ddaÊm n|ímZ n|ímZ n|ímZ n|ímZ n|ímZ g§. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10

I. _w»` ~r_m§{HŸV ÜmmaÊm

~ÅmJV Xa 8.50% 8.00% 9.00% 8.50% 8.40%

doVZ _yë`dÜm©Z Xa 5.50% 5.50% 1.50% 4.25% 5.50%

õmg Xa 1.00% 1.00% 1.00% 0.75% 1.50%

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb Xa 9.50% 8.70% 8.30% 8.30% 8.70%

II. Xm{`Ëd HoŸ dV©_mZ _yë` _| n{adV©Z (nrdrAmo)

Ad{Üm HoŸ Ama§äm _| nrdrAmo 2009.65 1908.35 1832.94 651.12 525.50

Iã`mO HŸr bmJV 161.48 146.22 158.98 50.37 40.58

Mmby godm bmJV 268.90 307.99 18.55 35.81 28.90

n«XËV bmäm (219.72) (161.16) (132.97) (102.84) (36.58)

Xm{`Ëd na ~r_m§{HŸHŸ bmäm/(hm{Z)(g_VwbZ Am§HŸSo) (87.47) (191.75) 30.85 120.17 92.72

Ad{Üm HoŸ A§V _| nrdrAmo 2132.84 2009.65 1908.35 1832.94 651.12

III. `moOZm Am{ñV`m| HoŸ C{MV _yë` _| n{adV©Z

Ad{Üm HoŸ Ama§äm _| `moOZm Am{ñV`m| HŸm C{MV _yë` 1963.99 1876.33 1739.28 541.35 403.87

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 186.58 163.24 144.07 96.49 38.36

A§ímXmZ 271.58 92.01 116.53 1238.37 118.90

n«XËV bmäm (219.72) (161.16) (132.97) (102.84) (36.58)

`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 43.64 (6.43) 9.42 (34.09) 16.81

Ad{Üm HoŸ A§V _| `moOZm Am{ñV`m| na C{MV _yë` 2246.06 1963.99 1876.33 1739.28 541.35

IV. `moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 186.58 163.24 144.07 96.49 38.36

`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) 43.64 (6.43) 9.42 (34.09) 16.81

`moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb 230.22 156.81 153.49 62.40 55.17

V. A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - Xm{`Ëd 87.47 191.75 (30.85) (120.17) (92.72)

Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - `moOZm Am{ñV`m± 43.64 (6.43) 9.42 (34.09) 16.81

Ad{Üm HoŸ {bE HwŸb bmäm/(hm{Z) 131.11 185.32 (21.43) (154.26) (75.91)

Ad{Üm _| A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z) 131.11 185.32 (21.43) (154.26) (75.91)

84

HŸ«_ {ddaÊm n|ímZ n|ímZ n|ímZ n|ímZ n|ímZ g§. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10 VI. VwbZ nÍm _| A{ämkßV am{ím VÏmm g§~§{ÜmV {díboîmÊm

Xm{`Ëd HŸm dV©_mZ _yë` 2132.84 2009.65 1908.35 1832.94 651.12`moOZm Am{ñV`m| HŸm C{MV _yë` 2246.06 1963.99 1876.34 1739.28 541.35{Z{ÜmHŸ {ñÏm{V (A{ÜmHŸ/(HŸ_r)) 113.22 (45.66) (32.02) (93.66) (109.77)VwbZ nÍm _| A{ämkßV am{ím 113.22 (45.66) (32.02) 268.58 (109.77)

VII. bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì``

dV©_mZ godm bmJV 268.90 307.99 18.55 35.81 28.90ã`mO bmJV 161.48 146.22 158.98 50.37 40.58`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb (186.58) (163.24) (144.07) (96.49) (38.36)dîm© _| A{ämkßV {Zdb ~r_m§{HŸHŸ (bmäm)/hm{Z (131.11) (185.32) 21.43 154.26 75.91bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì`` 112.69 105.65 54.88 860.01 107.03

VIII. VwbZ nÍm _| A{ämkßV Xo VmAm| _| CVma-MTµmdn«ma§{ämHŸ {Zdb Xo Vm 45.66 32.02 93.67 109.77 121.64Cn w©ŠV HoŸ AZwgma ì`` 112.70 105.65 54.88 860.01 107.03n«XËV A§ímXmZ (271.58) (92.01) (116.53) (1238.36) (118.90)A§{V_ {Zdb Xo Vm (113.22) 45.66 32.02 (268.58) 109.77

IX. Mmby Ad{Üm HoŸ {bE am{ímXm{`Ëd HŸm dV©_mZ _yë` 2132.84 2009.65 1908.35 1832.95 651.12`moOZm Am{ñV`m± 2246.06 1963.99 1876.34 1739.28 541.35A{ÜmHŸ/(HŸ_r) 113.22 (45.66) (32.02) (93.67) (109.77)`moOZm Xo VmAm| na AZwämd g_m`moOZ - bmäm (hm{Z) 87.47 191.75 (30.85) (343.33) (24.50)

`moOZm Am{ñV`m| na AZwämd g_m`moOZ - bmäm/(hm{Z) 43.64 (6.43) 9.42 34.09 16.81

HŸ«_ {ddaÊm J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr g§. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10 I. _w»` ~r_m§{HŸV ÜmmaÊm

~ÅmJV Xa 8.50% 8.00% 8.00% 8.20% 8.20%

doVZ _yë`dÜm©Z Xa 5.50% 5.50% 4.00% 4.25% 5.50%

õmg Xa 1.00% 1.00% 1.50% 0.75% 1.50%

`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb Xa 8.50% 8.50% 8.30% 8.30% 8.30%

II. Xm{`Ëd HoŸ dV©_mZ _yë` _| n{adV©Z (nrdrAmo)

Ad{Üm HoŸ Ama§äm _| nrdrAmo 343.85 392.95 400.74 241.22 226.10

ã`mO HŸr bmJV 26.49 28.51 29.24 17.67 15.78

Mmby godm bmJV 17.45 17.01 15.08 8.44 13.56

n«XËV bmäm (64.50) (73.09) (70.45) (51.51) (19.83)

Xm{`Ëd na ~r_m§{HŸHŸ bmäm/(hm{Z)(g_VwbZ Am§HŸSo) (7.36) (21.53) 18.34 53.04 5.60

Ad{Üm HoŸ A§V _| nrdrAmo 315.93 343.85 392.95 400.74 241.22

85

HŸ«_ {ddaÊm J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr J«oÀ`yQr g§. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10III. `moOZm Am{ñV`m| HoŸ C{MV _yë` _| n{adV©Z

Ad{Üm HoŸ Ama§äm _| `moOZm Am{ñV`m| HŸm C{MV _yë` 368.24 402.80 407.96 263.06 251.24`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 31.30 34.24 31.70 26.63 19.47A§ímXmZ 21.00 31.50 16.00 167.16 4.00n«XËV bmäm (64.50) (73.09) (70.45) (51.52) (19.83)`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) (1.90) (27.21) 17.59 2.63 8.18Ad{Üm HoŸ A§V _| `moOZm Am{ñV`m| na C{MV _yë` 354.14 368.24 402.80 407.96 263.06

IV. `moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 31.30 34.24 31.70 26.63 19.47`moOZm Am{ñV`m| na ~r_m§{HŸHŸ bmäm/(hm{Z) (1.90) (27.21) 17.59 2.63 8.17`moOZm Am{ñV`m| na dmñV{dHŸ n«{V\Ÿb 29.40 7.03 49.29 29.26 27.64

V. A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z)Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - Xm{`Ëd 7.36 21.53 (18.33) (53.04) (5.60)Ad{Üm HoŸ {bE ~r_m§{HŸHŸ bmäm/(hm{Z) - `moOZm Am{ñV`m± (1.90) (27.21) 17.59 2.63 8.17Ad{Üm HoŸ {bE HwŸb bmäm/(hm{Z) 5.46 (5.68) (0.74) 50.41 (2.57)Ad{Üm _| A{ämkßV ~r_m§{HŸHŸ bmäm/(hm{Z) 5.46 (5.68) (0.74) 50.41 (2.57)

VI. VwbZ nÍm _| A{ämkßV am{ím VÏmm g§~§{ÜmV {díboîmÊmXm{`Ëd HŸm dV©_mZ _yë` 315.93 343.85 392.95 400.74 241.22`moOZm Am{ñV`m| HŸm C{MV _yë` 354.14 368.24 402.80 407.96 263.06{Z{ÜmHŸ {ñÏm{V (A{ÜmHŸ/(HŸ_r)) 38.21 24.39 9.85 7.22 21.84VwbZ nÍm _| A{ämkßV am{ím 38.21 24.39 9.85 104.18 —

VII. bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì``dV©_mZ godm bmJV 17.45 17.01 15.08 8.44 13.57ã`mO bmJV 26.49 28.51 29.24 17.67 15.78`moOZm Am{ñV`m| na n«Ë`m{ímV n«{V\Ÿb 31.30 (34.24) (31.70) (26.63) (19.47)dîm© _| A{ämkßV {Zdb ~r_m§{HŸHŸ (bmäm)/hm{Z (5.46) 5.68 0.75 50.42 (2.57)bmäm VÏmm hm{Z {ddaU _| A{ämkßV ì`` 7.18 16.96 13.37 84.81 29.14

VIII. VwbZ nÍm _| A{ämkßV Xo VmAm| _| CVma-MTµmdn«ma§{ämHŸ {Zdb Xo Vm (24.39) (9.85) (7.22) (21.83) (25.14)Cn w©ŠV HoŸ AZwgma ì`` 7.18 16.96 13.37 84.81 29.14n«XËV A§ímXmZ (21.00) (31.50) (16.00) (167.16) (4.00)A§{V_ {Zdb Xo Vm (38.21) (24.39) (9.85) (104.18) --

IX. Mmby Ad{Üm HoŸ {bE am{ímXm{`Ëd HŸm dV©_mZ _yë` 315.93 343.85 392.95 400.73 241.22`moOZm Am{ñV`m± 354.14 368.24 402.80 407.96 263.06A{ÜmHŸ/(HŸ_r) 38.21 24.39 9.85 7.22 21.83`moOZm Xo VmAm| na AZwämd g_m`moOZ - bmäm (hm{Z) 7.36 21.53 (18.33) (77.05) (11.65)`moOZm Am{ñV`m| na AZwämd g_m`moOZ - bmäm/(hm{Z) (1.90) (27.21) 17.59 2.63 8.18

86

v) dîm© HoŸ Xm¡amZ {d{ämÝZ Xr¿mm©d{Üm HŸ_©Mmar bmäm HoŸ {bE EEg-15 HoŸ AZwgma {HŸE JE n«mdÜmmZ {ZåZmZwgma h¢(` HŸamoSm| _|)

HŸ«_ g§. AÝ` Xr¿mm©d{Üm bmäm 31.03.2014 31.03.2013

1. n|ímZ 258.37* 210.21

2. NwÅr ZHŸXrHŸaÊm eyÝ` 6.33

3. J«¡À wQr 31.74 36.54

4. ~r_mar NwÅr -17.38# 1.91

* ~r_m§{HŸHŸ AZw_mZ HoŸ AZwgma 10 dt {Ûnúmr` g_Âmm¡Vo HoŸ AÜmrZ doVZ _| 10% d¥{Õ na {dMma HŸaZo HŸr {Xímm _| ` 51.12 HŸamoS ímm{_b h¡.

# ~¢HŸ Zo ~r_mar NwÅr HoŸ {bE a»mo JE n«mdÜmmZ n«{Vd{V©V {HŸ`m h¡ Š`m|{HŸ gbmhHŸmam| go n«mßV am` HoŸ AZwgma A~ Bg NwÅr HŸr Amdí`HŸVm Zht h¡.

vi) df© 2010-11 Ho$ Xm¡amZ ^maVr` {aOd© ~¡§H$ Zo gmd©O{ZH$ joÌ ~¡§H$mo§ Ho$ H$_©Mm{a`mo§ H$mo no§eZ {dH$ën XoZo H$mo Xw~mam ImobZo VWm J«oÀ wQr H$r gr_m _o§~‹TmoÎmar- {ddoH$nyU© {d{Z`m_H$ CnMma hoVw {XZm§H$ 09.02.2011 H$mo n{anÌ g§.Sr~rAmoSr.~rnr.~rgr. 80/21.04.018/2010-11 Omar {H$`m h¡.Cº$ n{anÌ Ho$ n«mdYmZmo§ Ho$ AZwêŸn df© 2010-11 _| nhMmZr J`r ` 596 H$amoS H$r am{e H$mo AJbo nm±M dfmoª H$r Ad{Y VH$ n{aemo{YV {HŸ`mOmEJm. VXZwgma, 119 H$amoS (` 596 H$amoS H$m nm±Mdm {hñgm) H$r am{e H$mo bm^ VWm hm{Z ImVo _o§ n« m{aV {H$`m J`m h¡. Cnamoº$ m{a~¡§ n{anÌH$r Amdí`H$VmAmo§ Ho$ AZwêŸn `119 H$amoS HŸr eof am{e HŸmo AJ«oZrV {HŸ`m Om ahm h¡.

CnamoŠV HoŸ n{aÊmm_ñdêŸn Mmby dîm© _| ~¢HŸ HoŸ bmäm _| `119 H$amoS HŸr HŸ_r Am`r h¡ VÏmm VËg§~§Ümr ~¢HŸ HoŸ g§{MV bmäm _| `119 H$amoS HŸr ~TmoËVarhwB© h¡. BgHoŸ gmÏm hr ~¢HŸ HŸr Mmby Am{ñV`m| _| ämr BVZr hr ~TmoËVar hwB© h¡.

vii) »m§S {anmo{QªJ (EEg-17)(` HŸamoSm| _|)

HŸmamo~ma I§S # IµOmZm H§ŸnZr/g_J »mwXam ~¢{H§ŸJ AÝ` ~¢{H§ŸJ Hw$b~¢{H§ŸJ n{aMmbZ

31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13amOñd 3215.20 2375.67 5169.14 4452.88 2547.03 2360.75 485.05 469.58 11416.42 9658.88

n{aUm_ 560.77 (550.50) (577.98) 1123.65 786.38 198.36 398.71 391.98 1167.88 1163.49

AZm~§[Q>V ì`` 64.15 41.46n{aMmbZmË_H$ bm^ 1103.73 1122.03àmdYmZ d AmH$pñ_H$VmE§ 655.78 545.48H$a HoŸ {bE àmdYmZ 32.04 (9.06)

AgmYmaU bm^/hm{Z ímyÝ` ímyÝ`{Zdb bm^ 415.91 585.61

AÝ` OmZH$marI§S> AmpñV`m§ 49097.52 35914.73 59320.90 49577.75 26217.51 23172.42 371.22 320.02 135007.15 108984.92

AZm~§[Q>V AmpñV`m§ 2139.57 1996.83

Hw$b AmpñV`m§ 137146.72 110981.75

I§S> Xo VmE§ 48842.99 35857.31 57239.30 47702.54 25173.54 21860.11 2.98 3.15 131258.81 105423.11

AZm~§[Q>V Xo VmE§ 5887.91 5558.64

Hw$b Xo VmE§ 137146.72 110981.75

87

# EEg-17 H$s eVm}§ H$o$ AZwgma I§S> {anmo{QªJ HoŸ {bE VWm ^m{a~¡§ _mJ©{ZXo©emo§ _o§ {ZYm©{aVmZwgma ~¢HŸ HoŸ HŸmamo~ma HŸmo Mma dJm}§ _| {d»m§SZ {HŸ`mJ`m h¡ -

(H$) IµOmZm n[aMmbZ Ed§ (I) H§ŸnZr/ÏmmoHŸ ~¢{H§ŸJ (J) »mwXam ~¢{H§ŸJ d (¿m) AÝ` ~¢{H§ŸJ n{aMmbZ

# My§{HŸ ~¢HŸ HŸr HŸmoB© g_wÐnmar` emIm Zht h¡, ^m¡Jmo{bH$ I§S> HoŸ AYrZ HŸmoB© {anmo{QªJ Zht H$s J`r h¡.

# Ohm± HŸht, ì`` HŸm »m§S go, n«Ë`úm êŸn go g§~§Üm h¡, dhm± CZH$m VXZwgma »m§Smo§ _o§ Am~§QZ {H$`m J`m h¡ Am¡a Ohm± HŸht n«Ë`úm g§~§Üm Zht h¡ dhm±»m§S amOñd HoŸ AmÜmma na Am~§QZ {HŸ`m J`m h¡.

# Ohm± HŸht Am{ñV d Xo Vm HŸm »m§S go n«Ë`úm êŸn go g§~§Üm h¡ dhm± CZH$m VXZwgma »m§Smo§ _o§ Am~§QZ {H$`m J`m h¡ Am¡a Ohm± HŸht n«Ë`úm g§~§ÜmZht h¡ dhm± »m§S amOñd/»m§S Am{ñV AZwnmV HoŸ AmÜmma na Am~§QZ {HŸ`m J`m h¡.

n«ÜmmZ HŸm`m©b` _| CnbãÜm Am§HŸSm| HoŸ AmÜmma na Cn w©ŠV OmZHŸmar g§HŸ{bV HŸr J`r h¡.

viii) gmnoú` nmQr© n«HŸQZ EEg-18 HoŸ AZwgma ~¡§HŸ Zo {ZåZ{b{»mV HŸmo gmnoú` nmQr© HoŸ êŸn _| A{ämkßV {HŸ`m h¡.

H$) à_wI n«~§ÜmZ HŸm{_©HŸ :

1) lr EM.Eg.CnoÝÐ HŸm_V, AÜ`j Ed§ n«~§Üm {ZXoímHŸ

2) lr dr.HŸÊÊmZ, AÜ`úm Ed§ n«~§Üm {ZXoímHŸ

3) lr HoŸ.Ama.ímoÊm¡, HŸm ©HŸmar {ZXoímHŸ

4) lr ~r.Eg.am_m amd, HŸm ©HŸmar {ZXoímHŸ

df© H$o$ Xm¡amZ g§~§>Õ nm{Q>© mo| H$o$ gmW boZXoZ {ZåZmZwgma h¡¢ :

HŸ) i) n«_w»m n«~§ÜmZ HŸm{_©HŸ HŸmo dîm© HoŸ Xm¡amZ n«XËV _mZXo {ZåZmZwgma :

lr EM.Eg.CnoÝÐ HŸm_V, A.d.n«.{Z. (01.04.2013 go 31.12.2013 VHŸ) ` 24,52,202.00

lr dr.HŸÊÊmZ, A.d.n«.{Z. (01.01.2014 go 31.03.2014 VHŸ) ` 4,53,083.00

lr HoŸ.Ama.ímoÊm¡, HŸm.{Z. (01.04.2013 go 31.03.2014 VHŸ) ` 22,37,830.00

lr ~r.Eg.am_m amd, HŸm.{Z. (27.09.2013 go 31.03.2014 VHŸ) ` 8,39,860.00

I) n«_w»m n«~§ÜmZ HŸm{_©HŸm| HoŸ {aíVoXmam| HoŸ gmÏm dîm© HoŸ Xm¡amZ HŸmoB© boZXoZ Zht hwAm h¡.

J) AZwf§Jr : ímyÝ`(` bm»mm| _|)

{ddaÊm ~¢HŸ HoŸ gmÏm gh`moJr `Ïmm 31.03.2014 dîm© HoŸ Xm¡amZg§ñÏmmAm| HoŸ boZXoZ HoŸ ã`m¡ao HŸmo ~HŸm`m am{ím A{ÜmHŸV_

CÜmma ZHŸXr FÊm bmJy Zht bmJy ZhtAmodaS«mâQ

O_m gmd{Üm O_m bmJy Zht bmJy ZhtMmby ImVm

{Zdoím ímo a bmJy Zht bmJy Zht~m§S

n«mßV ã`mO bmJy Zht bmJy Zht

n«XËV ã`mO bmJy Zht bmJy Zht

eo amo§ na bm^m§e bmJy Zht bmJy Zht

88

ix) nÅo (EEg-19)

HŸ) n{aMmbZ nÅm| HoŸ {bE n«XËV nÅo {HŸamE HŸmo g§~§{ÜmV dîm© HoŸ bmäm d hm{Z »mmVo HoŸ ì`` HoŸ êŸn _| nhMmZm OmVm h¡.

»m) n{aMmbZ nÅo HoŸ {bE Xo ämmdr nÅm :(` HŸamoSm| _|)

{ddaÊm 31.03.2014 31.03.2013

EHŸ dîm© HoŸ nhbo 94.03 82.42

EHŸ dîm© HoŸ ~mX na§Vw 5 dîm© HoŸ nhbo 376.11 329.69

5 dîmmoª HoŸ ~mX 282.08 247.27

HwŸb 752.22 659.38

bmäm d hm{Z »mmVo HŸmo n«ämm{aV am{ím 95.24 80.58

J) ämmdr nÅo {HŸamE VÏmm {HŸamE HŸr d¥{Õ gh_{V ímVmoª HoŸ AmÜmma na {ZÜmm©{aV {HŸ`m OmVm h¡.

¿m) n«ma§{ämHŸ nÅo HŸr Ad{Üm HŸr g_m{ßV na gm_mÝ`V: ~¢HŸ HŸmo ämmdr nyd© {ZÜmm©{aV Ad{Üm HoŸ {bE nÅo HŸm {dñVmaÊm HŸaZo HŸm {dHŸën h¡.

L) ~¢HŸ _| HŸmoB© {dËVr` nÅm Zht h¡.

x) à[V eo a AO©Z (EEg-20)

~¢HŸ$, “n«{V ímo a AO©Z” na bo»mmHŸaÊm _mZH$ 20 HoŸ AZwêŸn n«{V B©{ŠdQr ímo a na _yb AO©Z {anmoQ© H$aVm h¡. Bg Ad{Üm HoŸ {bE n«{V ímoæma _yb AO©ZH$m n{aHŸbZ HŸaZo HoŸ {bE df© HoŸ Xm¡amZ H$a níMmV {Zdb bm^ HŸmo ~HŸm`m B©{ŠdQr ímo a HŸr ^m{aV Am¡gV g§»`m go {dämm{OV {HŸ`m OmVm h¡.

_yb n«{V ímo a AO©Z H$m n{aHŸbZ 31.03.2014 31.03.2013

H$. B©{ŠdQr ímo aYmaH$m| HoŸ {bE CnbãÜm H$a HoŸ ~mX {Zdb bm^ (` H$amoS>m| _|) 415.91 466.27

I. ^m{aV Am¡gV B{ŠdQ>r ímo am| H$s g§»`m (g§»`m H$amoS>m| _|) 54.47 49.55

J. _yb n«{V ímo a AO©Z (én`m| _|) 7.64 9.41

K. n«{V ímo a H$m Zm__mÌ _yë` (én`m| _|) 10 10

xi) Am` na HŸa HoŸ {bE bo»mmHŸaÊm (EEg-22)~¢HŸ Zo AmB©grEAmB© Ûmam Omar bo»mm _mZH$ 22 “Am` na H$a HoŸ {bE bo»mm” HoŸ AZwnmbZ _| Am`H$a HoŸ {bE bo»mm§HŸZ {HŸ`m h¡. VXZwgma AmñW{JVAmpñV Am¡a Xo Vm H$s nhMmZ H$s OmVr h¡.

H$) AmñÏm{JV H$a HoŸ _w»` KQ>H$ {ZåZmZwgma h¢ : (` HŸamoSm| _|)

g_` _| A§Va AmñÏm{JV H$a AmpñV AmñÏm{JV H$a Xo Vm31.03.2014 31.03.2013 31.03.2014 31.03.2013

1. Nw>Q²>Q>r ZH$XrH$aU hoVw àmdYmZ 4.02 50.41 ímyÝ` ímyÝ`

2. ñÏmmda Am{ñV`m± 0.92 0.59 ímyÝ` ímyÝ`

3. An{aímmo{ÜmV n|ímZ ímyÝ` ímyÝ` (29.21) 61.35

4. An{aímmo{ÜmV J«oÀ wQr ímyÝ` ímyÝ` (7.59) 15.94

5. nwZgªa{MV A{J«_m| HoŸ {bE n«mdÜmmZ 26.21 40.83 ímyÝ` ímyÝ`

89

»m) ämmaVr` {aOd© ~¢HŸ HoŸ n{anÍm g§.Sr~rAmoSr.g§.~r.~r.gr.77/21.04.018/2013-14 {XZm§{HŸV 20.12.2013 HoŸ AZwgma ~¢HŸ Zo Am` HŸaA{Üm{Z`_, 1961 HŸr Ümmam 36(1)(viii) HoŸ VhV {dímoîm AmhaÊm na AmñÏm{JV HŸa Xo Vm HŸm g¥OZ {HŸ`m h¡. ämm.{a.~¢. HoŸ CŠV n{anÍm HŸrAnoúmmZwgma 31 _mM©, 2013 HŸmo {dímoîm AmaúmÊm na g¥{OV SrQrEb HoŸ HŸmaÊm, ` 157.62 HŸamoS, Omo nhbo bmäm d hm{Z »mmVo HŸmo n«ämm{aVZht {HŸ`m J`m Vmo A~ 31.03.2013 _| g§{MV bmäm go grÜmo g_m`moOZ {HŸ`m J`m h¡. `{X Bg am{ím HŸm ämmmaV _| gm_mÝ`V`m ñdrH¥ŸVbo»mm§HŸZ {gÕm§Vm| HoŸ AZwêŸn bmäm d hm{Z »mmVo _| n«ämm{aV {HŸ`m OmVm Vmo, Cg dîm© _| bmäm HŸr am{ím Cg hX VHŸ HŸ_ hmoVr.

J) df© HoŸ Xm¡amZ Am` H$a HoŸ {bE {HŸE JE àmdYmZ : (` H$amoS>>m| _|)

{ddaÊm 31.03.2014 31.03.2013

Am`H$a ({Zdb) HoŸ {bE àmdYmZ 210.00* 73.40

AmñÏm{JV H$a HoŸ {bE àmdYmZ (67.96) (82.46)

E_EQr FÊm hHŸXmar (110.00) eyÝ`

*` 90.00 HŸamoS nyd© Ad{Üm HoŸ {ddm{XV HŸa, Am` HŸa n«mdÜmmZ _| ímm{_b h¡.

xii) n«~§ÜmZ H$s am` _|,~¢HŸ HŸr HŸmoB© ^r AMb AmpñV ^m¡oVH$ êŸn go úm{VJ«ñV$ Zht h¡ {OgHŸo {bE bo»mmHŸaÊm _mZH$-28, úm{VJ«ñV$AmpñV, bmJy hmo.

8. I) J«mhHŸm| HŸr {ímHŸm`V| :

31.03.2014

(H$) dîm© HoŸ Ama§äm _| b§{~V {ímHŸm`Vm| HŸr g§. 18

(I) dîm© HoŸ Xm¡amZ n«mßV {ímHŸm`Vm| HŸr g§. 1603

(J) dîm© HoŸ Xm¡amZ {ZnQmB© JB© {ímHŸm`Vm| HŸr g§. 1577

(K) dîm© HoŸ A§V _| b§{~V {ímHŸm`Vm| HŸr g§. 44

II) H¥Ÿn`m EQrE_ boZXoZ go g§~§{ÜmV {ímHŸm`V HoŸ {ddaÊm nmE§ :

31.03.2014

H$. dîm© HoŸ Ama§äm _| b§{~V {ímHŸm`Vm| HŸr g§. 64

I. dîm© HoŸ Xm¡amZ n«mßV {ímHŸm`Vm| HŸr g§. 17338

J. dîm© HoŸ Xm¡amZ {ZnQmB© JB© {ímHŸm`Vm| HŸr g§. 17306

K. dîm© HoŸ A§V _| b§{~V {ímHŸm`Vm| HŸr g§. 96

9. ~¢{H§ŸJ bmoHŸnmb Ûmam nm{aV \¡Ÿgbo :

31.03.2014

H$. dîm© HoŸ Ama§äm _| HŸm`m©{ÝdV Z {HŸE JE \¡Ÿgbm| HŸr g§. 1

I. dîm© HoŸ Xm¡amZ ~¢{H§ŸJ bmoHŸnmb Ûmam nm{aV \¡Ÿgbm| HŸr g§. 2

J. dîm© HoŸ Xm¡amZ HŸm`m©{ÝdV \¡Ÿgbm| HŸr g§. 3

K. dîm© HoŸ A§V _| HŸm`m©{ÝdV Z {HŸE JE \¡Ÿgbm| HŸr g§. 0

90

10. ~¢HŸ Zo ämmaV gaHŸma HŸmo n«{V 10/- HoŸ 5,89,34,464 B©{ŠdQr ímo a n«{V ímo a 32.42 n«r{_`_ na Omar {HŸ`m h¡. \Ÿadar, 2014 _| ~¢HŸ Zo ämmaV gaHŸmaÛmam Ümm{aV 1200 HŸamoS HoŸ ímmídV J¡a-g§M`r A{Üm_mZr ímo a HŸmo n«{V ` 10/- HoŸ A§{HŸV _yë` HoŸ n«{V ímo a ` 29.39 n«r{_`_ na B©{ŠdQr ímo a ny§OrHoŸ êŸn _| n{ad{V©V {HŸ`m h¡.

11. {dËVr` dîm© 2013-14 HoŸ Xm¡amZ AnZo n«mdÜmmZ HoŸ Cëb§¿mZ HoŸ HŸmaÊm, ~¢{H§ŸJ {d{Z`_Z A{Üm{Z`_, 1949 HŸr Ümmam 46(4)(i) HoŸ AÜmrZ Omar nÍmg§.735/27.01002/2013-14 {XZm§HŸ 12.07.2013, ~¢HŸ HŸmo 2 HŸamoS HŸm Ow_m©Zm bJm`m J`m {Ogo 19.07.2013 HŸmo ämm.{a.~¢. _| ämwJVmZ {HŸ`mJ`m. BgHoŸ Abmdm, AnZr EHŸ HŸaogr MoñQ _| ZHŸXr HŸr HŸ_r HoŸ HŸmaÊm ämmaVr` {aOd© ~¢HŸ Ûmam 2.26 HŸamoS HŸm Ow_m©Zm bJm`m J`m. {Ogo 11.03.2014Hmo n«XÎm {H `m J`m.

12. n«mdÜmmZ d AmHŸ{ñ_HŸ ì`` HoŸ {dñV¥V ã`m¡ao (` HŸamoSm| _|)

bmäm d hm{Z »mmVo _| ì`` ímrîm© HoŸ A§VJ©V ‘n«mdÜmmZ d AmHŸ{ñ_HŸ ì``’ 31.03.2014 31.03.2013HoŸ {dñV¥V ã`m¡ao

{Zdoím na _yë`õmg hoVw n«mdÜmmZ 120.01 (48.42)

EZnrE HoŸ {bE n«mdÜmmZ 380.82 428.36

_mZHŸ Am{ñV hoVw n«mdÜmmZ (nwZgªa{MV _mZHŸ g{hV) 153.21 164.12

Am`HŸa HoŸ {bE {HŸE JE n«mdÜmmZ ({Zdb)

i) Mmby HŸa 210.00 73.40

ii) AmñÏm{JV HŸa (67.96) (82.46)

iii) E_EQr FÊm hHŸXmar (110.00) eyÝ`

AÝ` n«mdÜmmZ d AmHŸ{ñ_HŸ ì``

i) AmHŸ{ñ_HŸ ì`` hoVw n«mdÜmmZ 42.68 0.13

ii) AÝ` (5.01) 7.76

iii) dmng {b`m J`m A{ÜmHŸ n«mdÜmmZ (35.93) (6.47)

HwŸb 687.82 536.42

13. A{ñÏma n«mdÜmmZ (` H$amoS>>m| _|)

{ddaU 31.03.2014 31.03.2013

H$. Ama§{ämHŸ ímoîm 213.00 213.00

I. dîm© HoŸ Xm¡amZ {HŸE JE A{ñÏma n«mdÜmmZ eyÝ` eyÝ`

J. dîm© HoŸ Xm¡amZ Amh{aV am{ím 70.29 eyÝ`

K. A§{V_ ímoîm 142.71 213.00

ZmoQ : A{ñWa n«mdYmZ H$m BñVo_mb AZO©HŸ A{J«_mo§ Ho$ {bE Amdí`H$ n«mdYmZ Ho$ n{aH$bZ Ho$ {bE {H$`m J`m h¡.

91

14. ~¢HŸ Zo HwŸN A{J«_ »mmVm| _| bJmE JE A{V{aŠVŸ ã`mO HŸmo ZmoQ {HŸ`m h¡. {ddoHŸnyÊm© AmÜmma na AmHŸ{ñ_HŸ n«mdÜmmZ ~ZmZo go ã`mO Am` 7.00 HŸamoS go HŸ_{HŸ`m J`m h¡.

15. ~¢HŸ Zo ì`nJV _m§J S—mâQ HoŸ ämwJVmZ HoŸ {bE gm_mÝ` Ama{úm{V go ` 5025 AmhaÊm {HŸ`m h¡ ({nNbo dîm© ` 249752.00) {Ogo ämm.{a.~¢. HoŸAZw_moXZmZwgma nyd© _| gm_mÝ` Ama{úm{V _| a»mm J`m Ïmm.

16. gyú_, b¿mw, _Ü`_ CÚ_ {dHŸmg A{Üm{Z`_, 2006 HoŸ AÜmrZ ímm{_b Amny{V©HŸVm©/godm n«XmVm HoŸ g§~§Üm _| ~¢HŸ HoŸ nmg n`m©ßV gyMZm CnbãÜm Zht h¡.Bg dOh go CŠV A{Üm{Z`_ HŸr Ümmam 22 HoŸ AÜmrZ n«HŸQ HŸr OmZo dmbr Ano{úmV gyMZm Zht Xr J`r h¡.

17. Mmby dîm© HoŸ dJr©HŸaÊm HŸr nw{îQ HŸaZo hoVw {nNbo gmb HoŸ A§HŸm| HŸmo Ohm± HŸht Amdí`HŸ hmo nwZ: g_yhZ/dJr©H¥ŸV {HŸ`m J`m h¡.






H¥ŸVo _ogg© _wHwŸÝX E_.{MVmbo EÊS H§Ÿ. H¥ŸVo _ogg© HŸam© EÊS H§Ÿ. H¥ŸVo _ogg© EZ.gr.{_ËVb EÊS H§Ÿ. H¥ŸVo _ogg© HoŸnrE_gr EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma




ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

92

31.02.2014 H$m g_má df© Ho {cE ZH$Xr àdmh H$m {ddaU(` 000 HŸmo NmoSµ {X`m J`m)

{ddaÊm 31.03.2014 31.03.2013H$mo g_mßV df© H$o${bE H$mo g_mßV df© H$o${bE

n[aMmbZ J[V[d[Y`mo§ go ZHŸXs àdmhHŸa HoŸ ~mX [Zdb bm^ 415 90 86 585 60 92AMb AmpñV`mo§ na _yë` õmg HoŸ {bE n«mdÜmmZ 64 14 62 41 45 73

AMb AmpñV`mo§ HŸs [~HŒŸs na bm^ (20 82) (12 74)

Mmby AmñW[JV HŸa (67 95 82) (82 46 47)Am`HŸa HoŸ [bE àmdYmZ 210 00 00 73 39 82E_EQr FÊm hHŸXmar (110 00 00) —J¡[ZAm / nwZgª[a[MV A{J«_ HoŸ g§~§Y _o§ àmdYmZ 452 19 86 508 50 99_mZHŸ AmpñV`mo§ HoŸ [bE àmdYmZ 81 83 00 83 97 00

[Zdoe HoŸ _yë` _o§ õmg HoŸ [bE àmdYmZ 120 01 15 (48 42 49)Jm¡U ~m§S na ã`mO HŸm wJVmZ / àmdYmZ 144 15 03 137 35 00AÝ` _Xmo§ HoŸ [bE àmdYmZ 1 73 99 1 42 68

Cn HwŸb :- 1311 81 87 1300 70 45

n[aMmbZ Am[ñV`mo§ d Xo VmAmo§ _o§ [Zdb n[adV©Z _o§ g_m`moOZ[Zdoe _o§ [JamdQ / (d¥[Õ ) (11420 43 09) (2592 73 76)A[JŒ_mo§ _o§ [JamdQ / (d¥[Õ ) (12190 46 85) (12370 52 92)O_mam[e`mo§ _o§ [JamdQ / (d¥[Õ ) 27278 92 25 13961 72 65CYma _o§ [JamdQ / (d¥[Õ ) (1897 01 78) 973 41 65AÝ` AmpñV`mo§ _o§ [JamdQ / (d¥[Õ ) (114 89 48) 2 91 26

AÝ` Xo VmAmo§ / àmdYmZmo§ _o [JamdQ / (d¥[Õ ) 338 25 54 (29 10 51)HŸa (àXÎm) / dmngs (390 20 53) (544 64 82)n[aMmbmË_HŸ J[V[d[Y`mo§ go CËßnZ [Zdb ZHŸXr (HŸ) 2915 97 94 701 74 00

[Zdoe J[V[d{Üm`mo§ go ZHŸXs àdmhAMb AmpñV`m§ ([Zdb) (129 77 84) (46 02 18)

[Zdoe J[V[d[Y`mo§ go CËnÝÝm [Zdb ZHŸXr (I) (129 77 84) (46 02 18)

[dÎms` J[V[d{Y`mo§ go CËnÝÝm ZHŸXs àdmheo a ny§Os HŸm [ZJ©_Z (836 41 97) —eo a às[_`_ 1086 41 97 —Omas Jm¡U ~m§S 250 00 00 —Jm¡U ~m§S na ã`mO (144 15 03) (137 35 00)àXÎm A[Y_mZs bm^m§e d Cgna àXÎm HŸa (119 33 49) (132 49 37)B©[HŸdQs bm^m§e d Cg na àXÎm HŸa (144 93 90) (143 98 20)n«XËV A§V{a_ bmämm§ím d Cg na n«XËV HŸa (64 87 06) —[dÎms` J{V[d[Y`mo§ go CËnÝÝm [Zdb ZHŸXr (J) 26 70 52 (413 82 57)[Zdb ZHŸXr Am¡a ZHŸXr g_Vwë` am[e (HŸ + I + J) 2812 90 62 241 89 25df© HoŸ àma§ _o§ ZHŸXr Am¡a ZHŸXr g_Vwë` am[e 6644 74 98 6402 85 74

93






H¥ŸVo _ogg© _wHwŸÝX E_. {MVmbo EÊS H§Ÿ. H¥ŸVo _ogg© HŸam© EÊS H§Ÿ. H¥ŸVo _ogg© EZ.gr.{_ËVb EÊS H§Ÿ. H¥ŸVo _ogg© HoŸnrE_gr EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma




ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

(` 000 HŸmo NmoSµ {X`m J`m)

{ddaÊm 31.03.2014 31.03.2013H$mo g_mßV df© H$o$ {bE H$mo g_mßV df© H$o$ {bE

hmW _o§ ZHŸXs 417 56 29 303 75 95

^maVs` [aOd© ~¡§HŸ _o§ eof am[e 3500 13 42 4238 77 50

~¡§HŸmo§ _o§ eof am[e d _m§J Am¡a Aën gyMZm na à[VXo am[e 2727 05 27 1860 32 29

df© HoŸ A§V _o§ ZHŸXr Am¡a ZHŸXs g_Vwë` am[e 9457 65 60 6644 74 99

hmW _o§ ZHŸXs 373 49 97 417 56 29

^maVs` [aOd© ~¡§HŸ _o§ eof am[e 5166 70 79 3500 13 42

~¡§HŸmo§ _o§ eof am[e d _m§J Am¡a Aën gyMZm na à[VXo am[e 3917 44 84 2727 05 27

~¢HŸ HoŸ {ZXoímHŸ _§Sb Zo {X.06.05.2014 HŸmo hwB© ~¡RHŸ _| Cn w©ŠV ZHŸXr n«dmh {ddaÊm HŸmo A{äm{b{»mV {HŸ`m.

94

ñdV§Ím bo»mm narúmHŸm| HŸr {anmoQ©godm _|

ämmaV HoŸ amîQ—n{V

{dËVr` {ddaÊmm| na {anmoQ©

1. h_Zo {dO`m ~¢HŸ HoŸ g§b½Z {dËVr` {ddaÊmm| HŸm {ZarúmÊm {HŸ`m h¡ {Og_| 31 _mM©, 2014 HoŸ VwbZ nÍm VÏmm Cg {XZm§HŸ HŸmo g_má bmäm-hm{Z bo»mm VÏmmZHŸXr n«dmh {ddaÊm VÏmm _hËdnyÊm© bo»mm Zr{V`m§ VÏmm AÝ` ì`m»`mË_HŸ gyMZm ímm{_b h¡. Bg_| h_mao Ûmam bo»mmnar{úmV 20 emImAm| Am¡a ímm»mm bo»mmnarjHŸm| Ûmam bo»mm nar{úmV 567 emImAm| H$s {dda{U`m± g_m{dîQ h¢. ~¢HŸ Zo, h_mao Ûmam nar{úmV Am¡a AÝ` bo»mm narúmHŸm| Ûmam nar{úmV emImAm| H$mM`Z, ^maVr` {aµOd© ~¢HŸ Ûmam Omar _mJ©{ZXo©ímm| HoŸ AZwgma {HŸ`m h¡. VwbZ nÌ, bm^-hm{Z boIm _| CZ 925 emImAm| H$s {dda{Êm`m§ g{å_{bV H$s J`rh¡, {OZHŸr bo»mm narúmm Zht H$s J`r h¡. o J¡a bo»mm nar{úmV ímm»mmE§ 7.29% A{J«_ H$m, 37.09% O_mam{ím`m| H$m, 34.07% ã`mO na Am` Am¡a38.55% ã`mO na ì`` HoŸ ~ZVo h¢.

{dËVr` {ddaÊmm| HoŸ {bE n«~§ÜmZ CËVaXm{`Ëd

2. ~¢HŸ HŸr _hËdnyÊm© bo»mm Zr{V`m| HoŸ gmÏm nTo JE ~¢{H§ŸJ {d{Z`_Z A{Üm{Z`_, 1949 VÏmm H§ŸnZr (bo»mm _mZHŸ) {Z`_ 2006 HoŸ AZwgma BZ {dËVr`{dda{Êm`m| HŸr V¡ mar n«~§ÜmZ HŸm CËVaXm{`Ëd h¡. Bg CËVaXm{`Ëd _|, {dËVr` {dda{Êm`m| HŸr êŸnao»mm, CgHŸm HŸm`m©Ýd`Z VÏmm {dda{Êm`m| HŸmo Ímw{Qa{hV, MmhoÍmw{Q Ümmo»mmÜmSr go `m JbVr go hmo, V¡ ma HŸaZo go g§~§Ümr Am§V{aHŸ {Z §ÍmÊm HŸm a»m-a»mmd ímm{_b h¡.

bo»mmnarúmHŸ HŸm CËVaXm{`Ëd

3. h_mar bo»mmnarúmm na AmÜmm{aV BZ {dda{Êm`m| na am` Om{ha HŸaZm h_mar {Oå_oXmar h¡. h_Zo ämmaVr` gZXr bo»mmHŸma g§ñÏmmZ Ûmam Omar bo»mmnarúmm HoŸ _mZHŸm|HoŸ AZwgma bo»mmnarúmm HŸr h¡. BZ _mZHŸm| HŸr Amdí`HŸVm h¡ {HŸ h_ Z¡{VHŸ Amdí`HŸVmAm| HŸm AZwnmbZ HŸa| VÏmm moOZm V¡ ma HŸaHoŸ bo»mmnarúmm HŸa| Vm{HŸ{dËVr` {dda{Êm`m| HoŸ ~mao _| g_w{MV AmídmgZ n«mßV hmo {HŸ BgHŸr gm_J«r _| JbV {ddaÊm Zht h¡.

4. bo»mmnarúmm _|, {dËVr` {dda{Êm`m| _| {b{»mV am{ím VÏmm n«HŸQrHŸaÊm HoŸ g§~§Üm _| bo»mmnarúmm gmú` n«mßV HŸaZo hoVw n«{HŸ« mAm| HŸmo ímm{_b HŸaZm h¡. M`Z HŸrJ`r n«{HŸ« m, bo»mmnarúmHŸm| HoŸ {ZÊm© na AmÜmm{aV h¡ {Og_| {dËVr` {dda{Êm`m| HŸr Ímw{Q`m| HoŸ Omo{»m_ HŸm _yë`m§HŸZ ämr ímm{_b h¡, Mmho do Ümmo»mmÜmSr HoŸ HŸmaÊmhmo m JbVr go hmo. Eogo Omo{»m_ _yë`m§HŸZ HŸaVo g_`, bo»mmnarúmHŸ H§ŸnZr Ûmam {dËVr` {dda{Êm`m| HŸr V¡ mar d C{MV n«ñVw{V go g§~§{ÜmV Am§V{aHŸ {Z §ÍmÊmna ämr {dMma HŸaVo h¢ Vm{HŸ Cg g§Xäm© HoŸ {bE C{MV bo»mmnarúmm n«{HŸ« mAm| HŸmo V¡ ma {HŸ`m Om gHoŸ. bo»mmnarúmm _| n« wŠV bo»mm Zr{V`m| HŸr g_w{MVVm HŸm_yë`m§HŸZ VÏmm n«~§ÜmZ Ûmam {HŸ`m J`m bo»mm n«mŠHŸbZ HŸr g_w{MVVm VÏmm {dËVr` {dda{Êm`m| HŸr g_J« n«ñVw{V HŸm _yë`m§HŸZ ämr ímm{_b h¡.

5. h_| {dídmg h¡ {HŸ h_mao Ûmam OwQmE JE bo»mmnarúmm gmú` h_mao bo»mmnarúmm _V HŸmo Xímm©Zo hoVw n`m©ßV VÏmm C{MV AmÜmma h¡.

am`

6. h_mar am` _| Am¡a h_mar gdm}Îm_ OmZH$mar Ed§ h_| {XE JE ñnîQrHŸaÊm VWm ~¢H$ H$s ~{h`m| _| Xem©E JE AZwgma :

i) ^maV _| gm_mÝ` êŸn go ñdrH¥$V bo»mmHŸaÊm Zr{V`mo| HoŸ AZwnmbZ H$aVo hþE,{Q>ßn{U`m| HoŸ gmW n[R>V VwbZ-nÌ, nyU© Ed§§ {Zîßmúm h¢, {Og_| Amdí`H$g^r {ddaU {XE JE h¢ Am¡a Bgo ghr T>§J go V¡ ma {H$`m J`m h¡, Vm{H$ 31 _mM©, 2014 VH$ ~¢HŸ HoŸ HŸmamo~ma H$m ghr {Zînúm {MÍm Xem© m Om gHoŸ$;

ii) ^maV _| gm_mÝ` ê$n go ñdrH¥$V bo»mmHŸaÊm Zr{V`m| HoŸ AZwnmbZ HŸaVo hwE, {Qßn{Êm`m| HoŸ gmÏm n{RV bm^-hm{Z bo»mm, bo»mm go g§~§{ÜmV df© _|A{O©V bm^ H$s ghr ímoîm am{ím Xem©Vm h¡; VWm

iii) ZH$Xr àdmh {ddaU, {ddaU H$s Ad{Y HoŸ {bE ZH$Xr àdmh H$m ghr Ed§ {Zîßmúm {MÌ Xem©Vm h¡.

7. _m_bo HŸm _hËd

(i) h_mar am` na Ü`mZ {XE {~Zm h_ {dËVr` {ddaÊmr HoŸ ZmoQ 7(v) HŸr Amoa Ü`mZ AmHŸ{îm©V HŸaVo h¢ Omo ämmaVr` {aOd© ~¢HŸ Ûmam AnZo n{anÍmg§.Sr~rAmoSr.~rnr.~rgr/80/21.04.018/2010-11 HoŸ O{aE gmd©O{ZHŸ úmoÍm ~¢HŸm| HoŸ HŸ_©Mm{a`m| HoŸ {bE n|ímZ {dHŸën »mmobZo VÏmm J«¡À yQr gr_m

95

_| ~TmoËVar - {ddoHŸnyÊm© {d{Z`m_HŸ CnMma HoŸ \ŸbñdêŸn bo»mmHŸaÊm _mZHŸ (EEg) 15 HoŸ n«mdÜmmZm| HŸmo gmd©O{ZHŸ úmoÍm ~¢HŸm| HoŸ {bE bmJy HŸaZo _|ämmaVr` {aOd© ~¢HŸ Ûmam n«XmZ HŸr J`r NyQ HoŸ AZwHŸaÊm _| `Ïmm 31.03.2014 HŸmo ` 119 HŸamoS VHŸ ~¢HŸ HŸr n|ímZ VÏmm J«¡À yQr Xo Vm HoŸ AmñÏmJZHŸm {ddaÊm XoVm h¡. {X Eogm n{anÍm ämm.{a.~¢. Ûmam Omar Zht {HŸ`m OmVm Vmo EEg-15 HŸr OêŸaVm| HŸmo bmJy HŸaZo HoŸ Ûmam ~¢HŸ HŸr Ama{úm{V`m§ ` 119HŸamoS VHŸ HŸ_ hmoVr {OgHŸm CŠV gr_m VHŸ Mmby Am{ñV`m| na ämr n«ämmd nSVm.

(ii) {dËVr` {ddaÊmr HoŸ ZmoQ 7(xi)(»m), Omo ämmaVr` {aOd© ~¢HŸ HoŸ n{anÍm g§.Sr~rAmoSr.g§.~rnr.~rgr.77/21.04.018/2014-14 {XZm§{HŸV 20.12.2014HoŸ O{aE Ïmm 31 _mM©, 2014 HŸmo Am`HŸa A{Üm{Z`_, 1961 HŸr Ümmam 36(1)(viii) HoŸ VhV {dímoîm AmaúmÊm na AmñÏm{JV HŸa Xo Vm HoŸ g¥OZ naì`` HŸr bo»mm n«{HŸ« m HŸm {ddaÊm XoVm h¡.

AÝ` {d{Üm ËmÏmm {d{Z`m_HŸ Amdí`HŸVmAm| na {anmoQ©

8. VwbZ-nÍm Am¡a bm^-hm{Z boIm, ~¢qH$J {d{Z`_ A{Üm{Z`_ 1949 H$s Vrgar AZwgyMr HoŸ \$m_© ‘E’ d ‘~r’ HoŸ AZwgma V¡ ma {H$`m J`m h¡.

9. Cn w©ŠËm AZwÀNoX 1 go 5 VHŸ _| {Z{X©îQ bo»mm narúmm H$s gr_m HoŸ AYrZ Am¡a ~¢qH$J H§ŸnZr (CnH«$_m| H$m AO©Z Am¡a A§VaU) A{Üm{Z`_, 1980 H$sAnoúmmZwgma Am¡a gmW hr CZ ~mVm| HoŸ AYrZ, {OZHŸmo àH$Q> H$aZo na Bg A{Üm{Z`_ _| n«{V~§Üm bJm`m J`m h¡, Am¡a AmJo {ZåZ HoŸ AÜmrZ :

H$) h_Zo Eogr gmar OmZH$mar Ed§ ñnîQrHŸaÊm àmá {HŸE h¢, Omo {HŸ$ h_mar gdm}Îm_ OmZH$mar VWm {dídmg HoŸ AZwgma, bo»mm narúmm HoŸ {bE Amdí`H$ Wo Am¡ah_Zo CZHŸmo g§VmoîmOZHŸ nm`m h¡.

I) ~¢HŸ HoŸ Omo boZ-XoZ h_mar OmZH$mar _| AmE h¢, do ~¢HŸ HoŸ A{ÜmHŸmam| HoŸ A§Xa h¢.

J) H$m`m©b` Am¡a emImAm| go àmá {dda{Êm`m±, h_mar bo»mm narúmm HoŸ {bE n`m©ßV nm`r JB© h¢.

10. h_mar am` _| VwbZ nÌ, bm^ d hm{Z ImVm VWm ZH$X àdmh {ddaU bmJy bo»mmHŸaÊm _mZX§S>m| H$m AZwnmb H$aVo h¢.

H¥ŸVo _ogg© _wHwŸÝX E_ {MVmbo EÊS H§Ÿ. H¥ŸVo _ogg© HŸam© EÊS H§Ÿ.gZXr boImH$ma gZXr boImH$ma

g§.106655Sãë y n§OrHŸaÊm g§.001749Eg

(Aäm`.dr.HŸm_V) (Ama.gw§Xa)gmÂmoXma gmÂmoXma

gXñ`Vm g§.039585 gXñ`Vm g§.014213

H¥ŸVo _ogg© EZ.gr.{_ËVb EÊS H§Ÿ. H¥ŸVo _ogg© HoŸnrE_gr EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma

n§OrHŸaÊm g§.000237EZ n§OrHŸaÊm g§.005359gr

(EZ.gr.{_ËVb) (g§O` _oham)gmÂmoXma gmÂmoXma

gXñ`Vm g§.14213 gXñ`Vm g§.75488ñÏmmZ : ~|Jbyé{XZm§H$ : 06.05.2014

96

31 _mM© 2014 HŸmo ~ogb àHŸQsHŸaU XñVmdoµOVm[bHŸm SsE\Ÿ - 1 ~¢HŸ HoŸ {bE bmJy ZhtŸ VÏmm Vm[bHŸm SsE\Ÿ - 2 HŸmo ny§Or n«HŸQZ Amdí`HŸVm HŸr aMZm g§~§Ümr {Xímm{ZXo©ímm| HoŸ AZwgma dmng {b`m J`m h¡.

Vm[bHŸm SsE\Ÿ - 3

ny§Os n`m©ßVVmJwUmË_HŸ àHŸQsHŸaU

(HŸ) dV©_mZ VWm ^[dî` HŸs J[V[d[Y`mo§ HoŸ g_W©Z HoŸ [bE ~¢HŸ HŸr AnZs ämm{a~¢ HoŸ {ZXoímmZwgma, h_mao ~¢HŸ Zo 31.03.2009 go n«ämmdr FÊmny§Os n`m©ßVVm HoŸ [ZYm©aU HŸs nÕ[V na MMm© HŸm gmam§e Omo{»m_ HoŸ {bE ‘_mZHŸrHŸaÊm Ñ{îQHŸmoÊm’, ~mµOma Omo{»m_ HoŸ {bE

‘_mZHŸrHŸaÊm Ad{Üm Ñ{îQHŸmoÊm’ VÏmm n{aMmbZ Omo{»m_ HoŸ {bE ‘_yb g§HoŸVÑ{îQHŸmoÊm’ AnZm`m h¡. _m¡OyXm VÏmm äm{dî` HoŸ {HŸ« mHŸbmnm| HoŸ g_Ïm©Z hoVwA{V{aŠV ny §Or {ZÜmm ©aÊm Ho Ÿ {bE ~¢HŸ V¡`ma HŸr JB© AmB©grEEnrZr{V HŸmo AnZmVm h¡. HŸmamo~ma HoŸ äm{dî` HŸr d¥{Õ HŸmo Ü`mZ _| a»mVo hwEgVV AmÜmma na {Z`m_HŸ Ý`yZV_ go A{ÜmHŸ n`m©ßV ny§Or HoŸ a»m-a»mmdhoVw AmB©grEEnr HŸr AÜm© dm{îm©HŸ AmÜmma na g_rúmm HŸr OmVr h¡.

n[a_mUmË_HŸ àHŸQsHŸaU (` HŸamoSm| _|)

(»m) ~ogb-II d ~ogb-III HoŸ AÜmrZ GU Omo[I_ HoŸ [bE ny§Os Amdí`HŸVmE±• _mZHŸ nÕ[V HoŸ AYsZ g§[d^mJ ` 5431.62 (AÝ` Am{ñV`m± g{hV)• à[V y[VHŸaU Omo{»m_ HwŸN Zht - My§{HŸ n«{Vämy{VHŸaÊm HoŸ A§VJ©V ~¢HŸ HŸm HŸmoB© Omo{»m_ Zht h¡.

(J) ~mµOma Omo[I_ _mZHŸrHŸaÊm Ad{Üm Ñ{îQHŸmoÊm HoŸ [bE ny§Os Amdí`HŸVmE±

~ogb-II HoŸ AÜmrZ 318.83• ã`mO Xa Omo[I_ 279.61• [dXoes [d[Z_` Omo[I_ 1.35• B©pŠdQs Omo[I_ 37.87

~ogb-III HoŸ AÜmrZ 321.96• ã`mO Xa Omo[I_ 282.74• [dXoes [d[Z_` Omo[I_ 1.35• B©pŠdQs Omo[I_ 37.87

(¿m) n[aMmbZ Omo[I_ HoŸ [bE ny§Os Amdí`HŸVmE±- _yb gyMHŸ nÕ[V 364.84~ogb-II ~ogb-III

Amdí`HŸ ny§Or Ý yZV_ ny§Or Amdí`HŸVm 6115.30 6113.87*

a»mr J`r ny§Or ny§Or {Z{Üm 7455.00 7170.94(`Ïmm 31.03.2014 HŸmo)* n«{VÜmmaÊm n«{Vny{V© HoŸ ~mX ~ogb-III HoŸ AÜmrZ Ý yZV_ ny§Or Amdí`HŸVm

(L) HwŸb VWm [Qà 1 ny§Os AZwnmV

~ogb-II ~ogb-III

grAmaEAma 31.03.14 HŸmo: 10.97% 10.56%gm_mÝ` B©{ŠdQr {Qà 1: — 8.12%[Qà 1 ny§Os : 8.30% 8.12%

• ímrîm© g_o{HŸV g_yh HoŸ {bE [Qà 2 ny§Os : 2.67% 2.44%

• _hËdnyU© ~¡§HŸ AZwf§[J`mo§ HoŸ [bE bmJy Zht, My§{HŸ h_mao ~¢HŸ HŸr HŸmoB© ghm`HŸ g§ñÏmm Zht h¡.

97

Vm[bHŸm SsE\Ÿ - 4GU Omo[I_ - gm_mÝ` àHŸQsHŸaU

JwUmË_HŸ àHŸQsHŸaU

(HŸ) GU Omo[I_ HoŸ g§~§Y _o§ gm_mÝ` JwUmË_HŸ àHŸQsHŸaU [Og_o§ em[_b h¡

• A[VXo VWm AZO©HŸ HŸs n[a^mfm (boImHŸaU HŸm © HoŸ [bE)

• ~¡§HŸ HŸs GU Omo[I_ à~§YZ Zs[V na MMm©

~¢HŸ HŸr FÊm Omo{»m_ n«~§ÜmZ n«{HŸ« m, EHŸ _µO~yV n«Êmmbr, HŸm ©nÕ{V`m§ VÏmm

Zr{V na MbVr h¡. Ohm± _§Sb HoŸ {ZXoímHŸ d Omo{»m_ n«~§ÜmZ g{_{V {ZXoím

XoVr h¡ dht AÜ`úm Ed§ n«~§Üm {ZXoímHŸ Ûmam g§Mm{bV FÊm Omo{»m_ n«~§ÜmZ

g{_{V CgHŸm HŸm`m©Ýd`Z gw{Z{íMV HŸaVr h¡.

FÊm Omo{»m_ n«~§ÜmZ, g§nm{íd©HŸ n«~§ÜmZ VÏmm FÊm Omo{»m_ Cnímm_HŸ

(grAmaE_) Xa {ZÜmm©aÊm Am{X HoŸ {bE Zr{V {Xímm{ZXo©ím V¡ ma {HŸ o JE h¢

{Og_| CÔoí`, Jw§OmBím VÏmm Omo{»m_ {anmoQ© HŸaZo HŸm ñdêŸn, CgHŸr _mn

n«Êmm{b`m±, Zr{V`m±, grAmaE_ HoŸ µO{aE Omo{»m_ HŸmo {Z §{ÍmV/HŸ_ HŸaZo hoVw

AnZmB© OmZodmbr aÊmZr{V`m±, n«{HŸ« mË_HŸ HŸX_, Cnímm_HŸ HoŸ {Za§Va n«ämmd

HoŸ {bE {dHŸmg, g§drúmm VÏmm n ©doúmÊm §Ím HoŸ ~mao _| {dñV¥V OmZHŸmar Xr

J`r h¡.

~ogb && _mZX§Sm| HoŸ CÀMVa Ñ{îQHŸmoÊm VHŸ OmZo HoŸ {bE ~¢HŸ Zo FÊm Omo{»m_

{ZÜmm©aÊm, FÊm Omo{»m_, ~mµOma Omo{»m_, n{aMmbZ Omo{»m_, EEbE_ VÏmm

E\ŸQrnr HoŸ N: g_mÜmmZm| HoŸ _mÜ`_ go EHŸrHŸaÊm Omo{»m_ n«~§ÜmZ HŸm HŸm`m©Ýd`Z

AnZm`m h¡.

AmB©AmaEgr na ~¡¢H$ H$r Zr{V _mZX§S (Am` {ZÜmm©aÊm VÏmm Am{ñV

dJr©HŸaÊm) ämmaVr` {aµOd© ~¢HŸ Ûmam g_`-g_` na Omar g§ímmo{ÜmV

{Xímm{ZXo©ímm| HoŸ AmÜmma na h¡. Am{ñV`m| HŸmo {ZînmXHŸ VÏmm J¡a {ZînmXHŸ

Am{ñV`m| HoŸ êŸn _| dJr©HŸaÊm HŸaZo hoVw 90 {XZm| HoŸ MyHŸ _mZX§S AnZm`m

OmVm h¡. AmB©AmaEgr HoŸ g§nyÊm© Am§HŸSo bo»mm narúmm HoŸ AÜmrZ h¡. _mZHŸ

Am{ñV ({ZînmXHŸ) VÏmm J¡a {ZînmXHŸ Am{ñV XmoZm| na {ZÜmm©{aVmZwgma n`m©ßV

n«mdÜmmZ {HŸ`m J`m h¡. BgHoŸ Abmdm nwZa©{MV Am{ñV`m| HoŸ {bE ~¢HŸ Zo

gm_mÝ` AñÏmmB© n«mdÜmmZ VÏmm A{V{aŠV n«mdÜmmZ gw{Z{íMV {HŸ`m h¡.

AZO©HŸ Am{ñV`m| HŸr n{aämmîmm (bo»mmHŸaÊm CÔoí` HoŸ {bE)

HŸmoB© Am{ñV J¡a {ZînmXHŸ V~ ~ZVr h¡ O~ Cggo ~¢HŸ HŸmo HwŸN Am` n«mßV Z

hmo O¡go (HŸ) O~ FÊm HŸm ã`mO d/`m {HŸñV ‘A{VXo ’ ~ZVm h¡ (*)

98

_r`mXr FÊm HoŸ g§~§Üm _| 90 {XZm| HoŸ A{ÜmHŸ HŸr Ad{Üm HoŸ {bE (»m) »mmVm

V~ ‘AmCQ Am\Ÿ AmS©a’ ~ZVm h¡ O~ dh (#) ZHŸX FÊm O¡gr n{aMmbZ

gr_mAm| HoŸ g§~§Üm _| 90 {XZm| VHŸ An«M{bV hmo (J) »marXo JE {~b/

ämwZmE JE {~b HoŸ g§~§Üm _| `{X {~b ‘A{VXo ’ ~Z OmVo h¢ (¿m) {HŸgr ämr

{V_mhr _| n«ämm{aV ã`mO HŸmo {V_mhr HoŸ A§V go 90 {XZm| HoŸ A§Xa dgyb Z

{HŸ`m J`m h¡ (L) Aënmd{Üm \Ÿgb FÊmm| HoŸ _m_bo _| _yb am{ím HŸm {HŸíV

`m Cg na ã`mO Xmo \Ÿgb _m¡g_m| HoŸ {bE A{VXo hmo VÏmm Xr¿mm©d{Üm \Ÿgb

FÊmm| HoŸ _m_bo _| _yb am{ím HŸm {HŸíV `m Cgna ã`mO EHŸ \Ÿgb _m¡g_ _|

A{VXo ahVm hmo (M) O~ J¡a {Z{Üm AmÜmm{aV am{ím`m| HoŸ n{aÊm{V HŸr Vmar»m

go 90 {XZ g_mßV hmoZo na.

* ‘A{VXo ’ HŸm VmËn © h¡ {HŸgr FÊm gw{dÜmm HoŸ AÜmrZ ~¢HŸ HŸmo Xo HŸmoB©

am{ím, `{X dh Xo {Z`V {XZm§HŸ HŸmo `m J¡a {Z{Üm AmÜmm{aV am{ím HoŸ

n{aÊmV hmoZo na ämwJVmZ Zht {HŸ`m OmVm.

# ‘AmCQ Am\Ÿ AmS©a’ HŸm VmËn © h¡ ~HŸm`m ímoîm _§Oya gr_m/AmhaÊm

A{ÜmHŸma go {Za§Va êŸn go A{ÜmHŸ ahVm h¡ `m 90 {XZ {Za§Va êŸn go

Amdí`HŸ am{ím O_m Zht HŸr J`r m 90 {XZm| go nhbo Zm_o Smbm J`m

ã`mO HŸmo n«md{aV HŸaZo hoVw »mmVo _| HŸm\Ÿr O_m Z hmo Vmo.

~¢HŸ FÊm Omo{»m_ n«~§ÜmZ Zr{V na MMm© :

~¢HŸ Zo EHŸ ì`mnHŸ FÊm Omo{»m_ n«~§ÜmZ Zr{V HŸm gyÍmnmV {HŸ`m h¡ VÏmm FÊm

Omo{»m_ n«~§ÜmZ g{_{V, ~ogb && HŸm`©HŸmar g_yh Am{X O¡gr {d{ämÝZ

g{_{V`m| HŸmo J{RV {HŸ`m h¡ Vm{HŸ HŸB© n«~§ÜmZ VHŸZrHŸm| HŸmo gwÜmmam Om gHoŸ

{Oggo FÊm Omo{»m_ na n«{VHyŸb n«ämmd SmbZodmbo ~mø VÏmm Am§V{aHŸ

¿mQHŸm| HŸmo {hgm~ _| boVo hwE FÊm Omo{»m_m| HŸr nhMmZ, _mnZ, g§drúmm d

{Z §ÍmÊm HŸaZo _| ~¢HŸ HŸmo _XX {_bo. ~¢HŸ Zo Omo{»m_ n«~§ÜmZ Zr{V`m± VÏmm

CÜmma Zr{V HŸmo Am¡a gwMmêŸ ~Zm`m h¡. Bg_| FÊm _yë`m§HŸZ Zm_ O¡go ~|M_mH©Ÿ/

n«_w»m {dËVr` g§HoŸVHŸm| na amoHŸ AZwnmV, Am§V{aHŸ A{ÜmHŸV_ gr_m, ~Sµo

FÊm n«ñVmd HoŸ {bE {ddoHŸnyÊm© _mZX§S, FÊm g§HoŸÐrHŸaÊm, FÊm g_rúmm g§ §Ím/

FÊm bo»mm narúmm, CÀM _yë` CÜmma »mmVm| (ì`mnHŸ FÊm g§drúmm {anmoQ©) HŸr

{dímoîm g_rúmm, Omo{»m_, g§H|ŸÐrHŸaÊm/ Omo{»m_ Xa {ZÜmm©aÊm HoŸ AmÜmma na

AZwdrúmÊm d bmJV {ZÜmm©aÊm VÏmm Omo{»m_ Xa {ZÜmm©aÊm HoŸ AmÜmma na g_rúmm

ímm{_b h¡ VÏmm Bg_| g§doXZímrb úmoÍm O¡go ny§Or ~mµOma, ämy g§nXm VÏmm nÊ`

úmoÍm HoŸ {bE Omo{»m_ CÀMV_ gr_m ämr n«md{aV h¡. ~¢HŸ HŸr ì`mnHŸ dgybr

Zr{V ämr V¡ ma HŸr J`r h¡ VÏmm g_`-g_` na g§ímmo{ÜmV {HŸ`m J`m h¡.

99

n[a_mUmË_HŸ àHŸQsHŸaU gHŸb FÊm Omo{»m_

(»m) gHŸb GU Omo[I_ - {Z{Üm AmÜmm{aV : ` 112965.88 HŸamoS- [Z[Y AmYm[aV d J¡a [Z[Y AmYm[aV J¡a {Z{Üm AmÜmm{aV : ` 11139.94 HŸamoS

HwŸb ** ` 124105.82 HŸamoS

(J) FÊm Omo{»m_ HŸm ämm¡Jmo{bHŸ g§{dVaÊm- {Z{Üm AmÜmm{aV d J¡a {Z{Üm AmÜmm{aV AbJ-AbJ• g_wÐnmas` g_wÐnmar`: {Z{Üm AmÜmm{aV d J¡a {Z{Üm AmÜmm{aV: HwŸN Zht• Xoes

Xoímr : {Z{Üm AmÜmm{aV : ` 112965.88 HŸamoS

J¡a {Z{Üm AmÜmm{aV : ` 11139.94 HŸamoS

HwŸb ** : ` 124105.82 HŸamoS

** FÊm d A{J«_ {Zdoím + {Og_| ` 11,232.94 HŸamoS HŸm AZmh{aVFÊm ` 18.96 HŸamoS HŸm grgrAmB©Eb/E_grEŠg Omo{»m_ VÏmm` 13,436.46 HŸamoS HŸr AÝ` Am{ñV Omo{»m_ ímm{_b Zht h¡.

gHŸb FÊm HŸm ämm¡Jmo{bHŸ-dma g§{dVaÊm {ZåZmZwgma h¡ :

(` HŸamoSm| _|)gHŸb amÁ` gHŸb

FÊm FÊm

A§S_mZ d {ZHŸmo~ma 29.50 _Ü` n«Xoím 381.30

Am§Ü«m n«Xoím 5913.27 _hmamîQ— 22893.03

AéÊmmMb n«Xoím 74.23 _{Êmnwa 22.19

Ag_ 189.82 _o¿mmb` 76.41

{~hma 116.92 {_Omoa_ 44.28

M§SrJT 143.16 ZmJmb¢S 79.23

NËVrgJT 165.46 AmoSrgm 141.17

Xm_Z d {X w 8.30 nm§{SMoar 56.74

{Xëbr 15939.66 n§Om~ 1105.71

Jmodm 111.29 amOñÏmmZ 1908.62

JwOamV 3774.95 {g{ŠHŸ_ 13.17

h{a`mÊmm 1687.86 V{_bZmSw 4772.85

{h_mMb n«Xoím 27.94 {Ìnwam 26.15

X_Z d HŸí_ra 16.76 CËVa n«Xoím 2303.55

Âmma»m§S 79.28 CËVam§Mb 72.17

HŸZm©QHŸ 16337.36 n{íM_ ~§Jmb 1996.51

HoŸab 1916.34 gHŸb HwŸb 82425.18

100

(¿m) FÊm HŸm CÚmoJdma g§{dVaÊm FÊm HŸm CÚmoJdma g§{dVaÊm (é. HŸamoSµm| _|)

DŸOm© 14633.40

n{adhZ 4538.27

g§Mma 837.24

gm_m{OHŸ VÏmm dm{Êm{Á`HŸ ~w{Z`mXr gw{dÜmmE§ 1490.40

nmZr VÏmm ñdÀNVm 433.53

BñnmV VÏmm B§{OZr`{a§J CÚmoJ 4313.74

{g_|Q CÚmoJ 547.44

dñÌ CÚmoJ 543.69

A_yë` aËZ VÏmm AmämyîmÊm 586.70

BboŠQ—m°{ZŠg 671.90

MrZr CÚmoJ 91.86

{a\ŸmBZar 174.42

Aë y{_Zr`_ 649.80

Am°Qmo_mo~mBb VÏmm Am°Qmo nwOo© 231.75

{Z_m©Êm 1156.29

\Ÿm_m©ñ y{QHŸëg 448.52

H¥Ÿ{îm AmÜmm{aV 295.46

{S{ñQbar 229.20

HwŸb 31873.61

(L) `Wm 31.03.2014 HŸmo AmpñV`m| HŸm Ad{ímîQ g§{dXmJV n{anŠdVm ~«oHŸSmCZ (` HŸamoSµm| _|)Ad{Üm 1 [XZ 2-7 8-14 15-28 29 [XZ 3 _hsZmo§ 6 _hsZmo§ 1 df© go 3 df© go 5 dfmoª go HwŸb

[XZ [XZ [XZ - 3 _hsZo go 6 go 1 df© A{ÜmHŸ d A{ÜmHŸ d 5 A{ÜmHŸ_hsZo VHŸ 3 dîm© VHŸ dîm© VHŸ

E\Ÿ.gr. AmpñV m± 124.62 609.07 5.99 23.63 57.21 90.31 14.41 0.00 0.00 0.65 925.89

A{½m«_ 1048.73 363.63 670.73 749.12 5453.51 4250.82 5156.11 43593.45 9578.12 9114.96 79979.18

[Zdoe 6737.15 1744.95 148.72 1211.48 1782.72 842.48 2069.35 6927.47 9845.15 11275.92 42585.38

31.03.2014 HŸr {ñÏm{V (` HŸamoSµm| _|)(M) EZnrE HŸr am{ím (gHŸb)

• Ad_mZHŸ 905.03• g§[X½Y 1 468.63• g§[X½Y 2 558.98• g§[X½Y 3 39.64• hm[Z 13.57

(N) [Zdb EZnrE 1262.37(O) EZnrE AZwnmV

• gHŸb A[JŒ_ HoŸ n«{V gHŸb EZnrE 2.41 %• [Zdb A[JŒ_ HoŸ n«{V {Zdb EZnrE 1.55 %

101

(Âm) EZnrE HŸm CVma-M‹Tmd (gHŸb)• AWeof 1532.94• n[adY©Z 2173.87• HŸQm¡[V`m± 1720.95• B[Veof 1985.86EZnrE HŸm CVma-M‹Tmd ({Zdb)• AWeof 909.69• n[adY©Z/ 352.68• HŸQm¡{V`m§ 0.00• B[Veof 1262.37

(Äm) EZnrE hoVw n«mdÜmmZ HŸm CËma-MTµmd• AWeof 619.24• Ad{Üm HoŸ Xm¡amZ [HŸE JE àmdYmZ 384.04• ~Åo ImVm SmbZm 293.36• A[V[aº àmdYmZmo§ HŸm à[VboIZ 0.00• B[Veof 709.92

(Q) J¡a-[ZînmXZ [Zdoemo§ HŸs am[e (EMQrE_ loÊmr HoŸ AÜmrZ) 9.25(R) J¡a-{ZînmXHŸ {Zdoímm| HoŸ [bE àmdYmZmo§ HŸs am[e (EZnrAmB©) 12.47(S) J¡a-{ZînmXHŸ [Zdoemo§ na àmdYmZmo§ HŸm CVma-M‹Tmd

• AWeof 11.27• Ad[Y HoŸ Xm¡amZ [HŸE JE àmdYmZ 1.20• ~Q¥o ImVm SmbZm 0.00• A[V[aº àmdYmZmo§ HŸm à[VboIZ 0.00• B[Veof 12.47

Vm[bHŸm SsE\Ÿ - 5

GU Omo[I_ - _mZHŸsHŸaU X¥pîQHŸmoU HoŸ AYsZ g§[d^mJmo§ HoŸ [bE àHŸQsHŸaU

n[a_mUmË_HŸ àHŸQsHŸaU

(I) _mZHŸsHŸaU X¥pîQHŸmoU HoŸ A§VJ©V Omo[I_ Ý yZsHŸaU HoŸ níÀmmV GU FÊm Omo{»m_ **Omo[I_ HŸs am[e`mo§ HoŸ [bE [ZåZ[b[IV VsZ à_wI Omo[I_ g_yhmo§ (` HŸamoSm| _|)Am¡a HŸQm¡Vs HŸs J`s Omo[I_ am[e _o§ ~¡§HŸ HŸs ~HŸm`m am[e`m±(aoqQJ g[hV Am¡a aoqQJ a[hV)• 100% Omo[I_ ^ma go ZsMo 89968.13• 100% Omo[I_ ^ma 31672.30• 100% go A[YHŸ Omo[I_ ^ma 13717.28• HŸQm¡Vs HŸs J`s - {dËVr` g§nm{íd©HŸ 8505.04

HwŸb 135357.72** _o§ {ZåZ{b{IV VwbZ nÌ HoŸ ~mø Omo{I_ ^r em{_b h¡EZE\$~r Omo{I_- 11139.94 HŸamoSAZmh{aV A§e - 11232.94 HŸamoSgrgrAmB©Eb d E_grEŠg - 18.96 HŸamoS

JwUmË_HŸ àHŸQsHŸaU(HŸ) _mZHŸsHŸaU X¥pîQHŸmoU HoŸ AYsZ g§[d^mJmo§ HoŸ [bE

• à wº GU HŸm XOm© [ZYm©aU EOo§gs HoŸ Zm_ VWm n[adV©Z HoŸ [bE HŸmaU

• GU Omo[I_ HoŸ àHŸma [OZHoŸ [bE àË oHŸ EoOo§gs HŸm à`moJ [HŸ`m OmVm h¡.

• gmd©O{ZHŸ {ZJ©_ aoqQJ HŸmo ~¡§qHŸJ ~hs _o§ VwbZm mo½` AmpñV`mo§ HoŸ A§VaU hoVwCn`moJ _o§ bmB© J`s à[HŒŸ`m HŸm [ddaU

~¢HŸ Zo ämm{a~¢ Ûmam AZw_mo{XV ~mø FÊm ao{Q§J EO|{g`m| O¡go grAmaAmB©EgAmB©Eb/AmB©grAmaE/{\ M(B§{S`m ao{Q§J)/EggrEAmaB©/EgE_B©AmaE/{~«HŸdH©Ÿ HoŸ hr Xa{ZÜmm©aÊmm| HŸm Cn`moJ {HŸ`m h¡. ~mø Xa {ZÜmm©aÊm n«{HŸ« m HŸmo gw{dÜmmOZHŸ ~ZmZo VÏmmAnZo {Zdoím HoŸ {bE J«mhHŸm| HŸmo ~mø Xa {ZÜmm©aÊm HŸr _m±J HŸaZo `mo½` ~ZmZo hoVw ~¢HŸ ZoBZ {ZÜmm©aÊm EO|{g`m| HoŸ gmÏm EHŸ AbJ go g_Âmm¡Vm HŸama {HŸ`m h¡.

` 5 HŸamoSµ go A{ÜmHŸ gämr HŸmnmo©aoQ FÊm Omo{»m_ VÏmm gmd©O{ZHŸ úmoÍm BHŸmB`m| HŸmoFÊm Omo{»m_.

~¢HŸ Zo HoŸdb CZ ~¢HŸ Xa {ZÜmm©aÊmm| HŸm Cn`moJ {HŸ`m h¡ Omo gmd©O{ZHŸ Smo_oZ _|CnbãÜm h¡. BgHoŸ Abmdm ~¢HŸ Zo HŸmoB© gmd©O{ZHŸ {ZJ©_ ao{Q§J HŸm Cn`moJ Zht {HŸ`m h¡.

102

Vm[bHŸm SsE\Ÿ - 6

GU Omo[I_ Ý yZsHŸaU : - _mZHŸsH¥ŸV nÕ[V HoŸ A§VJ©V àHŸQZ

JwUmË_HŸ àHŸQsHŸaU

(HŸ) GU Omo[I_ Ý`yZsHŸaU HoŸ g§~§Y _o § gm_mÝ` JwUmË_HŸàHŸQsHŸaU _o§ [ZåZ em[_b h¡§ :

• VwbZ nÍm HŸr {Zdb AdÜmmaÊmm _| VÏmm CgHoŸ ~mha~¢HŸ Ûmam Cn`moJ HŸaZo HŸr gr_m VHŸ VÏmm Zr{VVÏmm n«{HŸ« m HoŸ {bE

• g§nm[œ©HŸ _yë`m§HŸZ Am¡a à~§YZ HoŸ [bE Zs[V`m±Am¡a à[HŒŸ`mE±.

• ~¡§HŸ Ûmam br J`r _w»` àHŸma HŸs g§nm[œ©HŸà[V y[V`mo§ HoŸ [ddaU

• n«{Vnúmr Jma§QrHŸVm© HŸm _w»` n«HŸma VÏmm CZHŸr FÊmnmÍmVm

• Omo[I_ Ý yZsHŸaU _Xmo§ HoŸ A§VJ©V A[YHŸ Omo[I_(~mµOma `m GU) g§~§Ys gyMZm

ämmaVr` {aµµOd© ~¢HŸ Ûmam ~ogb && A§{V_ {Xímm{ZXo©ímm| _| gy{MVmZwgma FÊm Omo{»m_ HŸmo HŸ_ HŸaZo HoŸ{bE gm_mÝ` {gÕm§V O¡go {d{ímîQ J«hÊmmÜmrHŸma a»mZm, Amdí`H$ Ý yZV_ _m{O©Z {ZÜmm©aÊm, _yë`m§HŸZ,d¡{ÜmHŸ {Z{íMVVm, n«bo»mrHŸaÊm, Amd{ÜmHŸ {ZarúmÊm, gwbäm VabVm Am{X HŸm Cn`moJ {HŸ`m J`m h¡._wÐm ~o_ob VÏmm n{anŠdVm ~o_ob HoŸ {bE g_m`moOZ g{hV gämr {ZÜmm©{aV _m{O©Z {bE JE h¢.Omo{»m_ ämm{aVm HŸmo g_ZwXo{ímV HŸaZo go nhbo FÊm Omo{»m_ go CnbãÜm {dËVr` g§nm{íd©HŸm| HŸmog_m`mo{OV {HŸ`m OmVm h¡. FÊm Omo{»m_ Ý yZrHŸaÊm HoŸ n«ämmd H$m Xwhar bo»mmHŸaÊm Zht {HŸ`m OmVmh¡.

grAmaE_ HoŸ CÔoí` HoŸ {bE {dËVr` g§nm{íd©HŸ _| ~¢HŸ HŸr AnZr gmd{Üm O_mam{ím, ZHŸX_m{O©Z, OrdZ nm°{bgr, EZEggr, HoŸdrnr, 99.99 ímwÕVm AmÜmma HŸm gmoZm ímm{_b h¡.

Jma§Qr {XE JE FÊm Omo{»m_ _| H|ŸÐ/amÁ` gaHŸma, B©grOrgr ~¢HŸ Am¡a grOrEgQrE_B© ÛmamJma§Qr ímm{_b h¡.

grAmaE_/Jma§Qr {XE JE FÊm Omo{»m_ {HŸgr ämr ~mµOma CVma-MTmd HoŸ AÜmrZ Zht h¡ VÏmmo FÊm Omo{»m_ {d{dÜmH¥ŸV h¢.

n{a_mÊmmË_HŸ n«HŸQrHŸaÊm

(»m) n«Ë oHŸ AbJ go n«HŸQ {HŸE JE FÊm Omo{»m_ g§{dämmJ HoŸ{bE HwŸb FÊm Omo{»m_ (VwbZ nÍm HŸr {Zdb AdÜmmaÊmm _|VÏmm CgHoŸ ~mha Ohm§ HŸht bmJy hmoZo HoŸ ~mX) Omo {HŸ _m{O©ZbmJy HŸaZo HoŸ ~mX nmÍm {dËVr` g§nm{íd©HŸ Ûmam n«md{aV

(J) n«Ë oHŸ AbJ go n«HŸQ {HŸE JE g§{dämmJ HoŸ {bE HwŸb FÊmOmo{»m_ (VwbZ nÍm HŸr {Zdb AdÜmmaÊmm _| VÏmm CgHoŸ~mha Ohm§ HŸht bmJy hmoZo HoŸ ~mX) Omo {HŸ Jma§Qr/FÊm ì wËnÝZÛmam n«md{aV (O~ HŸämr ämm.{a.~¢. Ûmam {dímoîm êŸn go AZw_V)

* VwbZ nÍm HoŸ ~mø Omo{»m_ g{hV** AZmh{aV g{hV

` HŸamoSµm| _| FÊm Omo{»m_ FÊm d J¡a-{Z{Üm {Zdoím * HwŸb

A{J«_ ** AmÜmm{aV

Omo{»m_ 93657.69 6613.14 35086.89 135357.72grAmaE_({dËVr` g§nm{íd©HŸ) 7937.69 566.35 0.00 8504.04

{Zdb FÊm Omo{»m_ 85720.00 6046.79 35086.89 126853.68

` HŸamoSµm| _ Jma§Qr HŸr {ñÏm{V FÊm d J¡a-{Z{Üm {Zdoím * HwŸb

A{J«_ ** AmÜmm{aVOmo{»m_ 93657.69 6613.14 35086.89 135357.72H|ŸÐ/amÁ` gaHŸma 5706.31 0.00 26902.02 32608.33

B©grOrgr/~¢HŸ/ grOrQrEgAmB© 3244.12 0.00 0.00 3244.12HwŸb Jma§Qr 8950.43 0.00 26902.02 35852.45{Zdb FÊm Omo{»m_ 84707.26 6613.14 8184.87 99505.27

# Bg_| H|ŸÐ/amÁ` gaHŸma Ûmam Omar ~m§S/n«nÍm VÏmm/`m H|ŸÐ gaHŸma Ûmam Jma§Qr ímm{_b h¡.

_mZHŸrH¥ŸV nÕ{V ({Z{Üm d {Z{Üm oVa AmÜmm{aV) HoŸ AÜmrZ FÊm Omo{»m_ g§{dämmJ HoŸ {bE, HwŸb nmÍm {dËVr` g§nm{íd©HŸ HŸm n{aHŸbZ _m{O©Z, Ohm§ HŸht bmJy hmo,HoŸ ~mX {HŸ`m OmVm h¡.

103

Vm[bHŸm SsE\Ÿ - 7à[V^y[VHŸaU

_mZHŸsH¥ŸV à[HŒŸ`m hoVw àHŸQsHŸaU

~¢HŸ Zo {dËV dîm© 2013-14 HoŸ Xm¡amZ ~¢{H§ŸJ ~hr `m Q—o{S§J ~hr _| {HŸgr ämr Am{ñV HŸm n«{Vämy{VHŸaÊm Zht {HŸ`m h¡.Vm[bHŸm SsE\Ÿ - 8

ì`mnma ~hs _o§ ~mOma Omo[I_JwUmË_HŸ àHŸQsHŸaU

(HŸ) _mZHŸsH¥ŸV nÕ[V Ûmam àmd[aV g§[d^mJ g[hV ~mOmaOmo[I_ HoŸ [bE gm_mÝ` JwUmË_HŸ àHŸQsHŸaU HŸrAmdí`HŸVm


(»m) {ZåZ HoŸ {bE ny§Or Anoúmm

• ã`mO Xa Omo{»m_

• B©{ŠdQr {ñÏm{V Omo{»m_

• {dXoímr {d{Z_` Omo{»m_

~mOma Omo{»m_ ã`mO Xa, B©{ŠdQr _yë`, {dXoímr _wÐm, nÊ` _yë` _| ~mOma MbZ HŸr dOh gog§ämm{dV Omo{»m_ h¡.

~ogb-II _| ~mOma Omo{»m_ HoŸ {bE Xmo nÕ{V`m| HŸm n«ñVmd h¡ `Ïmm _mZHŸrH¥ŸV Ad{Üm n«{HŸ« m VÏmmAm§V{aHŸ _m°Sb n«{HŸ« m. g§n«{V ~¢HŸ Zo ''_mZHŸrH¥ŸV Ad{Üm n«{HŸ« m'' bmJy {HŸ`m h¡ VÏmm Am§V{aHŸ_m°Sb n«{HŸ« m bmJy HŸaZo Om ahm h¡. _mZHŸrH¥ŸV Ad{Üm n«{HŸ« m _| {ZåZ {dímoîmVmE§ h¢.1. _mZHŸrH¥ŸV n«{HŸ« m HoŸ AÜmrZ ny§Or Anoúmm HŸm n{aHŸbZ ã`mO Xa Omo{»m_, B©{ŠdQr _yë`

Omo{»m_, {dXoímr {d{Z_` Omo{»m_ VÏmm nÊ` Omo{»m_ HoŸ AmÜmma na {HŸ`m OmVm h¡.2. gm_mÝ` ~mOma Omo{»m_ HŸm n{aHŸbZ g§ímmo{ÜmV Ad{Üm VÏmm Am` _| n{adV©Z HoŸ AmÜmma na

{HŸ`m OmVm h¡.3. {dímoîm Omo{»m_ HŸm n{aHŸbZ ~mø Omo{»m_ Xa {ZÜmm©aÊm, n«nÍm HŸr Ad{Üm Am{X HoŸ AmÜmma na

{HŸ`m OmVm h¡.

ny§Os à^ma HoŸ n[aHŸbZ HoŸ CÔoí` HoŸ [bE ~¡§HŸ Zo '_mZHŸsH¥ŸV Ad[Y nÕ[V' HŸmo AnZm`m h¡ Omo[ZåZ àHŸma h¡:31.03.2014 HŸmo ~ogb-II HoŸ AÜmrZ ~mµOma Omo{»m_ HoŸ {bE ny§Or n«ämma HŸm HwŸb

` HŸamoSm| _|

Omo[I_ loÊmr ny§Or n«ämma(HŸ) EME\ŸQr HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ~mµOma Omo{»m_ 9.07

ã`mO Xa (HŸ +I) 9.07HŸ. gm_mÝ` ~mOma Omo[I_ 9.07

(i) [Zdb pñW[V (g_mZm§Va [dMbZ) 9.07(ii) g_ ñVas` AñdsH¥Ÿ[V (HŸdo©Ma) 0.00(iii) DŸÜd©ñW AñdsH¥Ÿ[V (~o[gg) 0.00

I. [d[eîQ Omo[I_ 0.00(»m) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ny§Or n«ämma hoVw ~mµOma Omo{»m_

ã`mO Xa (HŸ +I) 270.54HŸ. gm_mÝ` ~mOma Omo[I_ 184.83

(i) [Zdb pñW[V (g_mZm§Va [dMbZ) 184.83(ii) g_ ñVas` AñdsH¥Ÿ[V (HŸdo©Ma) 0.00(iii) DŸÜd©ñW AñdsH¥Ÿ[V (~o[gg) 0.00

I. [d[eîQ Omo[I_ 85.71J. EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE d¡HŸ{ënHŸ

HwŸb ny§Or n«ämma 123.88I. ã`mO Xa g§~§Ümr {b»mV

HŸ+(»m `m J Omo ämr A{ÜmHŸ hmo) 279.61II. B©{ŠdQr (HŸ+»m) 37.87

HŸ. gm_mÝ` ~mµOma Omo{»m_ 16.83»m. {d{ímîQ Omo{»m_ 21.04

III. {dXoímr {d{Z_` Ed§ ñdÊm© 1.35IV. ~mOma Omo{»m_ HoŸ {bE ny§Or n«ämma (I+II+III) 318.83HwŸb Omo{»m_ ämm{aV Am{ñV`m§ 3542.56

104

`Ïmm 31.03.2014 HŸmo ~ogb-III HoŸ AÜmrZ ~mOmaOmo{»m_ HoŸ {bE ny§Or n«ämma HŸm HwŸb (` HŸamoSm| _|)

Omo[I_ loÊmr ny§Or n«ämma(HŸ) EME\ŸQr HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE

~mµOma Omo{»m_ã`mO Xa (HŸ +I) 9.07HŸ. gm_mÝ` ~mOma Omo[I_ 9.07

(i) [Zdb pñW[V (g_mZm§Va [dMbZ) 9.07(ii) g_ ñVas` AñdsH¥Ÿ[V (HŸdo©Ma) 0.00

(iii) DŸÜd©ñW AñdsH¥Ÿ[V (~o[gg) 0.00

I. [d[eîQ Omo[I_ 0.00(»m) EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE ny§Or

n«ämma hoVw ~mµOma Omo{»m_ã`mO Xa (HŸ +I) 273.67

HŸ. gm_mÝ` ~mOma Omo[I_ 184.83(i) [Zdb pñW[V (g_mZm§Va [dMbZ) 184.83

(ii) g_ ñVas` AñdsH¥Ÿ[V (HŸdo©Ma) 0.00

(iii) DŸÜd©ñW AñdsH¥Ÿ[V (~o[gg) 0.00

I. [d[eîQ Omo[I_ 88.84J. EE\ŸEg HoŸ AÝVJ©V Ümm{aV n«{Vämy{V`m| HoŸ {bE d¡HŸ{ënHŸ

HwŸb ny§Or n«ämma 127.55I. ã`mO Xa g§~§Ümr {b»mV

{HŸ +(»m `m J Omo ämr A{ÜmHŸ hmo)} 282.74

II. B©{ŠdQr (HŸ+»m) 37.87

HŸ. gm_mÝ` ~mµOma Omo{»m_ 16.83»m. {d{ímîQ Omo{»m_ 21.04

III. {dXoímr {d{Z_` Ed§ ñdÊm© 1.35IV. ~mOma Omo{»m_ HoŸ {bE ny§Or n«ämma

(I+II+III) 321.96HwŸb Omo{»m_ ämm{aV Am{ñV`m§ 3577.33

Vm{bHŸm SrE\Ÿ - 9n{aMmbZ - Omo{»m_

JwÊmmË_HŸ n«HŸQrHŸaÊm~ogb && go g§~§{ÜmV ämm{a~¢ HoŸ A§{V_ _mJ©{ZXo©ímm| _| Xímm© m J`mZwgma ‘_yb gyMHŸ nÕ{V’ HoŸ AZwêŸn n{aMmbZ - Omo{»m_ HoŸ {bE ~¢HŸ ny§Or n«ämma n{aHŸbZ AnZm ahm h¡.~¢HŸ Zo n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmZ g{_{V HŸr ñÏmmnZm HŸr h¡ Omo gämr n«HŸma HoŸ n{aMmbZmË_HŸ Omo{»m_m| HŸr nhMmZ, _yë`m§HŸZ, {ZJamZr Ed§ {Z §ÍmÊm HŸaoJr. gmÏm _|`h g{_{V n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmHŸ (AmoAmaE_), bm°g SmQm, Omo{»m_ d {Z §ÍmÊm ñd-_yë`m§HŸZ (AmagrEgE), n«_w»m Omo{»m_ gyMHŸ (HoŸAmaAmB©), n{aÑí`{díboímÊm (EgE), HŸmamo~ma {Za§VaVm Zr{V (~rgrOr), HŸmamo~ma {Za§VaVm d AmnXm go CämaZo HŸr `moOZm, AmCQgmog©S J{V{d{Üm`m§, Z`m CËnmX d J{V{d{Üm`m| HŸr g_rúmm,Am{X g§~§Ümr {dñV¥V Zr{VJV _mJ©{ZXo©ímm| HoŸ AZwnmbZ go Bg n«HŸma HoŸ Omo{»m_m| HoŸ Ý yZrHŸaÊm HoŸ Cnm` HŸaoJr. ~¢HŸ Zo HŸm ©nmbHŸ ñVa na ‘úmoÍmr` Omo{»m_ n ©doúmHŸm|’ VÏmmúmoÍmr` HŸm`m©b`m| _| d{aîR A{ÜmHŸm{a`m| HoŸ ñVa na ‘úmoÍmr` Omo{»m_ A{ÜmHŸmar’ HoŸ êŸn _| nhMmZ HŸr h¡ Vm{HŸ Omo{»m_ n«~§ÜmZ úmoÍmm| HoŸ g§~§Üm _| gämr Amdí`HŸVmAm| HŸrXo»mämmb HŸr Om gHoŸ.

105

AmJo ~¢HŸ n{aMmbZmË_HŸ Omo{»m_ HŸm n«~§ÜmZ, {Z §ÍmÊm Ed§ Ý yZrHŸaÊm hoVw {ZåZ Cnm` HŸa ahm h¡ :

l AZwXoím nw{ñVHŸm/_¡ZwAb Amd{ÜmHŸ A§Vambm| na AÚVZ HŸaZo HoŸ Abmdm {Z`{_V/dm{îm©HŸ ñVa na g_rúmm HoŸ ~mX {d{dÜm Zr{V`m| HŸm g§ímmoÜmZ {HŸ m OmVm h¡.l Ím¡_m{gHŸ AmÜmma na n{aMmbZmË_HŸ Omo{»m_ hm{Z(YmoImYSr g{hV d a{hV SmQm) HŸr gyMZm n{aMmbZmË_HŸ Omo{»m_ n«~§ÜmZ g{_{V HŸmo Xr OmVr h¡.l AmB©Qr gwaúmm Zr{V ~¢HŸ _| ~ZmB© JB© h¡ VÏmm {d{dÜm AmB©Qr gwaúmm g_mÜmmZ O¡go SmQm HoŸÝÐ Ed§ ímm»mmAm| HŸmo EÊQr d¡ag, \Ÿm`a dmb, EZ{HŸ«ßímZ

VHŸZrHŸr, BZQ—yímZ {SQoŠímZ n«Êmmbr, am¡Qa AmÜmm{aV gwaúmm Zr{V, ZoQdH©Ÿ gwaúmm Zr{V HŸm AZwnmbZ {HŸ`m. A{ßbHoŸímZ EŠgog {Z §ÍmÊm g§~§Ümr Zr{V,nmgdS© gwaúmm, nmgdS© HŸm Xwén`moJ g§~§Ümr _mJ©{ZXo©ím Am{X HŸm HŸm`m©Ýd`Z HŸmoa ~¢{H§ŸJ úmoÍm _| {HŸ`m h¡. ~¡§H$ AnZo ZoQdH©$, SmQm Ho$ÝÐ, {SgmgQa{aH$dar gmBQ, H$mamo~ma gw{dYm B©H$mB`mo§ Ho$ {bE gyMZm gwajm d ZoQdH©$ boImnarjm H$m Am`moOZ H$a ahm h¡. ~¢HŸ _hËdnyU© godmAmo§ O¡go, B§QaZoQ ~¡§{H§$J,_mo~mB©b ~¡§{H§$J, H$moa ~¡§{H§$J gmoë yeZ Ho$ {bE oÚVm _yë`m§HŸZ VWm ämoXZ narúmÊm H$a ahm h¡ Vm{HŸ HŸmoB© HŸ_r hmo Vmo Cgo RrHŸ HŸaZo HoŸ {bE gwYmamË_H$HŸX_ CRmE OmE§. ~¢HŸ, Vrgar nmQr© HoŸ gm\ŸQdo a A{ßbHoŸímZ H$s AmB©Eg bo»mm narúmm H$a ahm h¡ Vm{HŸ JmonZr`Vm, g_mHŸbZ VÏmm Bg HoŸ gämr AmB©Qrg«moVm| HŸr CnbãÜmVm _| bJmVma gwYma bm gH|Ÿ.

l {gñQ_ »mam~ hmoZo HŸr g§ämmì`Vm HŸmo amoHŸZo HoŸ {bE, {OgHoŸ HŸmaÊm HŸmamo~ma _|o éHŸmdQ hmo gHŸVr h¡, ~¢HŸ Zo {d{dÜm ñVam| na AmnXm go CämaZo Ed§ HŸmamo~maHŸr {Za§VaVm V§Ím Ed§ Cnm`m| HŸmo HŸm`m©Ýd`Z {HŸ`m h¡. {dímoîmV`m g§doXZímrb O¡go HŸmoa ~¢{H§ŸJ n«Êmmbr, ZoQdH©Ÿ gw{dÜmm, AmB©QrE_Eg, AmB©AmaE_Eg,hoMAmaE_Eg HoŸ {bE.

l dîm© 2008-09 _| g§ímmo{ÜmV Ama~rAmBE \Ÿm_o©Q na AmÜmm{aV Omo{»m_ AmÜmm{aV Am§V{aHŸ bo»mmnarúmm (Ama~rAmB©E) gämr ímm»mmAm| _| HŸm`m©{ÝdV{HŸ`m J`m h¡.

l ~¡§H$ Zo Xg n{aMmbZmË_H$ joÌmo§ O¡go IwXam ~¡§{H§$J, emIm n{aMmbZ, B§QaZoQ ~¡§{H§$J, EQrE_ n{aMmbZ, \$maoŠg, H$aoÝgr MoñQ bm°H$a, {dn«ofU, gyMZmn«m¡Úmo{JH$r, So{~Q H$mS© d H«o${SQ H$mS© n{aMmbZ Ho$ AYrZ AnZr H$mamo~ma B©H$mB© mo§ H$mo AmagrEgE n«{H«$`m Ho$ AYrZ Smbm h¡.

l ~¡§H$ n{aMmbZ Omo{I_ Ho$ {bE ny§Or n« ma H$r JUZm H$aZo Ho$ {bE _mZH$rH¥$V X¥{ïH$moU(QrEgE) H$m H$m`m©Ýd`Z H$aZo H$r n«{H«$`m _o§ h¡.

l {dämmJ, hm{Z SmQm HoŸ n{aMmbZmË_HŸ Omo{»m_ HoŸ ämao Z JE gob HoŸ {bE n{aÑí` ~Zm ahm h¡ Omo EE_E HŸm`m©Ýd`Z HoŸ {bE Amdí`HŸ h¡.

n{a_mÊmmË_HŸ n«HŸQrHŸaÊm :n{aMmbZmË_HŸ Omo{»m_ na ny§Or n«ämma HŸm n{aHŸbZ

3 dîmmoª HoŸ {bE gHŸb Am` HŸm Am¡gVZ

(` HŸamoSm| _|)31.03.11 31.03.12 31.03.2013

1. {Zdb bmäm 523.82 580.99 585.61

OmoS| 2. n«mdÜmmZ Ed§ AmHŸ{ñ_VmE± 522.86 649.07 536.42

3. n{aMmbZ ì`` 1433.28 1201.36 1362.97

4. Cn-HwŸb 2479.96 2431.42 2485.00

¿mQmE± 5. EMQrE_ g§dJ© _| n«{Vämy{V`m| HŸr {~HŸ«r go n«mßV bmäm/hm{Z 11.55 16.29 60.72

6. ~r_m {HŸ« mHŸbmn VWm ~¡¢H$ H$o$ nj _o| ~r_m Xmdmo| go n«mßV Am` 1.07 3.08 3.89

7. Am` d ì`` HŸr AgmÜmmaÊm/A{Z`{_V _X 0.00 0.00 0.00

8. dîm© HoŸ Xm¡amZ n«mdÜmmZ Ed§ ~Åo »mmVo _| Smbr JB© am{ím HŸm n«Ë`mdV©Z 2.88 0.00 0.00

9. Mb d AMb g§n{ËV _Xm| HoŸ {ZnQmZ go n«mßV Am` -0.15 0.29 -0.13

10. ~¢HŸ HoŸ núm _| HŸmZyZr g_Âmm¡Vm§o go n«mßV Am` 0.00 0.00 0.00

11. CnHwŸb 15.35 19.66 64.48

12. n{aMmbZ Omo{»m_ H$s JUZm H$o$ C>Ôoí` go gH$b Am` 2464.61 2411.76 2420.52

3 dîmmoª HŸr gHŸb Am` HŸm Am¡gVZ = ` 2432.30 HŸamoSn{aMmbZ Omo{»m_ HoŸ {bE ny§Or n«ämma = gHŸb Am` HŸm Am¡gVZ * Amë\Ÿm (15%)

= ` 364.84 HŸamoSg_mZ Omo{»m_ ämm{aV Am{ñV`m± = ` 4053.83 HŸamoS

106

Vm{bHŸm SrE\Ÿ – 10

~¢{H§ŸJ ~hr _| ã`mO Xa Omo{»m_ (AmB©AmaAma~r~r)

JwÊmmË_HŸ n«HŸQrHŸaÊmgmÜmmaÊm JwÊmmË_HŸ n«HŸQrHŸaÊm HŸr Amdí`HŸVm _| AmB©AmaAma~r~r HŸr n«H¥Ÿ{V Ed§ _w»` nyd© ÜmmaÊmm, FÊm HoŸ nyd© ämwJVmZm| HoŸ g§~§Üm _| Ed§ An{anŠd O_m HŸmì`dhma VÏmm AmB©AmaAma~r~r HoŸ ~ma§~ma _mnZ

ã`mO Xa Omo{»m_ n«~§ÜmZ

~¢HŸ Ûmam ã`mO Xa Omo{»m_ n«~§ÜmZ HŸr n«{HŸ« m _| HŸmamo~ma CÔoí`, _wÐm ~mOma Ed§ FÊm ny§Or ~mOma {Og _| ~¢HŸ HoŸ n{aMmbZ hmoVo h¢ HŸmo g_ÂmZm VÏmm BZ_mZXÊSmo§§ HoŸ g§Xäm© _| ~mOma Omo{»m_ HoŸ {bE AnZr V¡ mar HŸmo nhMmZZm d {ZÜmm©{aV HŸaZm ímm{_b h¢.

VwbZ nÍm _| hmoZodmbo ã`mO Xa Omo{»m_ HŸm n«~§ÜmZ HŸaZo HoŸ {bE ~¢HŸ Xmo n«{HŸ« mAm|/Ñ{îQHŸmoÊmm| HŸmo AnZmVm h¡.

1) nhbm Ñ{îQHŸmoÊm nma§n{aHŸ J¡n {díboîmÊm n{aÊmm_m| HoŸ AmÜmma na VwbZ nÍm na Am{ñV Xo Vm n«~§ÜmZ (EEbE_). Bg _| ã`mO Xa na ~¢HŸ H$o$ ZµO{aE naAmÜmm{aV hmoHŸa Am{ñV Ed§ Xo VmAm| HŸm g_VwbZ/nwZ:g_VwbZ gmdÜmmZr nyd©HŸ HŸaZm ämr ímm{_b h¡ Vm{HŸ Omo{»m_ ämao ã`mO Am` HŸmo Xya HŸa gH|Ÿ.C{MV n«HŸma HŸr (n«HŸma Ed§ n{anŠdVm) Am{ñV`m| Ed§ Xo VmAm| HŸr ÜmmaÊmm HŸaVo hwE Omo{»m_ HŸmo Ý yZV_ HŸa gHŸZo HoŸ Aä`mg HoŸ µO{aE HŸ{ÏmV bú` n«mßVHŸa gHŸVo h¢ VÏmm ~¢HŸ HoŸ HwŸN bú`m| HŸmo hm{gb HŸa gHŸVo h¢ (O¡go bú` Am` HŸr n«m{ßV HoŸ gmÏm gmÏm Omo{»m_ HŸmo HŸ_ HŸaZm)

2) ~Mmd ì`dñÏmm HoŸ O{aE VwbZ nÍm go ~mha Am{ñV Xo Vm n«~§ÜmZ (EEbE_) HŸaZm Xygam Ñ{îQHŸmoÊm h¡. ~Mmd ì`dñÏmm go VwbZ nÍm HoŸ ~mha HŸr {ñÏm{V~ZVr h¡. AmoQrgr ì wËnÝZr CËnmX {OgHŸm n« moJ ~¢HŸ Ûmam AnZo ì`mnma g§{dämmJ HŸr ~Mmd ì`dñÏmm HoŸ {bE {HŸ`m OmVm h¡ Ed§ HwŸN Xo VmE± ã`mO XaHoŸ ñd¡n hmoVo h¢ (AmB©AmaEg).

VwbZ nÍm n«~§ÜmZ g_yh ~¡RHŸm| _| {dMma {d_ím© {HŸ`m OmVm h¡ BgHoŸ Abmdm ~mOma Omo{»m_ n«~§ÜmZ/Am{ñV Xo Vm n«~§ÜmZ g{_{V (E_AmaE_gr/AmëHŸmo)AnZr _m{gHŸŸ ~¡RHŸm| _| Am{ñV Xo Vm n«~§ÜmZ nÕ{V`m| na {dMma-{d_ím© HŸaVr h¢.

~¢HŸ Ûmam n« wŠV {díboîmÊm~¢HŸ {Z`{_V êŸn go {Zdoím gyMr HŸr Ad{Üm Ed§ Amímmo{ÜmV Ad{Üm HŸm {díboîmÊm HŸaVm h¡ VÏmm ã`mO Xa Omo{»m_ HŸmo HŸ_ HŸaZo HoŸ {bE AnZr {Zdoím gyMr HŸmo nwZ:g§VwbZ HŸaVm h¡. AmëHŸmo/E_AmaE_gr Ûmam nm{úmHŸ A§Vambm| na VÏmm _§Sb Ûmam _m{gHŸ A§Vambm| na HŸ{ÏmV {Zdoím gyMr HoŸ n«~§ÜmZ HŸr g_rúmm HŸr OmVr h¡.Am{ñV Xo Vm n«~§ÜmZ g§~§Ümr _mJ©{ZXo©ímm| HoŸ AZwgma ã`mO Xa g§doXZímrbVm A§Va {ddaÊmr (AmB©AmaEg) nm{úmHŸ AmÜmma na V¡ ma HŸr OmVr h¡. g§doXZímrbAm{ñV`m| HŸr n«{VímVVm {d{dÜm Xa-dma g§doXZ A§Vam| HŸr _m{gHŸ A§Vambm| na _§Sb Ûmam {ZÜmm©{aV NyQ-gr_mAm| HoŸ n«{V E_AmaE_gr/AmëHŸmo Ûmam {ZJamZra»mr OmVr h¡.NyQ gr_m HoŸ Cëb§¿mZ na g§~§{ÜmV n{aMmbZr` VwbZ nÍm HŸr _Xm| HoŸ n{anŠdVm n«mo\ŸmBb HŸr nwZgªaMZm HoŸ AZwXoím HoŸ gmÏm m ~J¡a E_AmaE_gr/AmëHŸmo HŸ{ÏmVCëb§¿mZ HŸm AZwg_Ïm©Z HŸaVm h¡. ã`mO Xa Ed§ ~mµOma HŸr {ñÏm{V HoŸ _Ôo ZµOa g_mZwnm{VHŸ h¡. ã`mO Xa g§doXZímrbVm {ddaÊmr V¡ ma HŸaVo g_` {ZåZ na {HŸ oJ o ì`mdhm{aHŸ {díboîmÊm HoŸ n{aÊmm_m| HŸmo Ü`mZ _| a»mm J`m :

(i) ~MV O_m HoŸ A{ñÏma Ed§ HŸmoa ämmJ(ii) grgr/AmoS>r ImVmo§ H$s nwZ: _yë`{ZY©maU {deofVm

(iii) {Zdoím gyMr _| A§V:ñÏmmnZ HoŸ {dHŸën

Omo{»m_ na Am` (B©EAma) :

3 _hrZo, 6 _hrZo VÏmm 1 dîm© HoŸ g_Vb VHŸ ã`mO Xa g§doXZímrb Am{ñV Xo Vm A§Vam| HŸr Am` ao»mm na g_m§Va Ed§ Ag_m§Va {dMbZ HoŸ HŸmaÊm Am` Omo{»m_H$s JUZm H$s OmVr h¡. `h {díboîmÊm nm{úmHŸ AmÜmma na {HŸ`m OmVm h¡ Ed§ E_AmaE_gr/AmëHŸmo HŸr _m{gHŸ ~¡RHŸm| _| Am¡a ~mX _| _§Sb HŸr _m{gHŸ ~¡RHŸ _|n«ñVwV {HŸ`m OmVm h¡.

1 dîm© VÏmm J¡n n«mo\ŸmBb VÏmm ~¢HŸ HŸr ã`mO Xa HoŸ AmÜmma na, VwbZ nÌ _| m ~mø ~Mmd g{hV aÊmZr{V`m| HoŸ AZwgma AmZodmbo Omo{»m_ na Am` na 15 {XZm|_| EHŸ ~ma {ZJamZr a»mr OmVr h¡.

_mÍmmË_HŸ n«HŸQrHŸaÊmDŸÜd©_w»mr Ed§ AÜmmo_w»mr Xa HoŸ n{adV©Z HoŸ {bE Am` Ed§ Am{Ïm©HŸ _yë` (`m n«~§ÜmZ Ûmam n« wŠV Cn wŠV _mnZ) _| d¥{Õ (AdZ{V) AmB©AmaAma~r~r HŸmo _mnZoHoŸ {bE n«~§ÜmZ Ûmam AnZmB© JB© nÕ{V, _wÐm HoŸ HŸmaÊm {NÝZ {ämÝZ hwAm (Ohm± HwŸb nÊ`mdV© HoŸ 5% go A{ÜmHŸ nÊ`mdV© h¡)

107

Omo{»m_ na Am` (B©EAma) :

100 AmÜmma {~ÝXw HoŸ {bE, ã`mO Xa _| nyd© {ZÜmm©{aV d¥{Õ, EZAmB©AmB© na ` 55.11 HŸamoS1 dîm© A§Va HoŸ g_Vb HoŸ H$maU n«ämmd

~¢HŸ Zo NyQ gr_m HŸmo ` 172 HŸamoS _| {ZÜmm©{aV {HŸ`m h¡

Am{Ïm©HŸ _yë` Ñ{îQHŸmoÊm

Am{Ïm©HŸ _yë` mZr Am{Ïm©HŸ _yë` na 200 AmÜmma {~ÝXwAm| na ã`mO Xa _| n{adV©Z HoŸ HŸmaÊm ny§Or {Z{Üm na n«ämmd HŸm _yë`m§HŸZ, ämm.{a.~¢HŸ _mJ©{ZXo©ímm| HoŸ AmÜmmana g§ímmo{ÜmV Ad{Üm A§Va nÕ{V HoŸ µO{aE {HŸ`m OmVm h¡. {ddoHŸnyÊm© Cnm` HoŸ êŸn _| Am{ñV d Xo VmAm| HŸr {Zdb Ad{Üm A§Va HoŸ {bE EHŸ gr_m {ZÜmm©{aVHŸr JB© VÏmm ämm.{a.~¢HŸ go n«mßV _mJ©{ZXo©ímm| HoŸ AmÜmma na {Z`{_V A§Vambm| na Bg HŸr {ZJamZr HŸr OmVr h¡.

Vm{bHŸm SrE\Ÿ – 11

HŸmC§Qa nmQr© FÊm Omo{»m_ go g§~§{ÜmV {Zdoímm| HoŸ {bE gm_mÝ` n«HŸQZ

JwÊmmË_HŸ n«HŸQrHŸaÊm

(HŸ) ì`wËnÝZ VÏmm grgrAma go g§~§{ÜmV gm_mÝ` JwÊmmË_HŸn«HŸQZ HŸr Amdí`HŸVmAm| _| {ZåZ{b{»mV ímm{_b h¡ :

• Am{Ïm©HŸ ny§Or HoŸ g_ZwXoímZ HoŸ {bE n« wŠV nÕ{VVÏmm HŸmC§Qa nmQr© FÊm Omo{»m_ HoŸ {bE FÊm gr_mE§g§~§Ümr MMm©

• g§nm{íd©HŸ n«mßV HŸaZo VÏmm FÊm HŸr Ama{úm{V`m§ñÏmm{nV HŸaZo HoŸ {bE Zr{V`m| g§~§Ümr MMm©

• JbV VarHoŸ HoŸ FÊmm| HoŸ Omo{»m_m| HoŸ g§~§Üm _| Zr{V`m|na MMm©

• FÊm HoŸ XOm© {ZÜmm©aÊm HŸ_ hmo OmZo go ~¢HŸ Ûmamn«mdÜmmZ HŸr OmZodmbr g§nm{íd©HŸ am{ím go nSZodmboZwHŸgmZ HoŸ g§~§Üm _| MMm©


(I) g§{dXm HoŸ gHŸb gHŸmamË_HŸ C{MV _yë` Zo{Å§J HoŸ bmäm, ZoQMmby FÊm Omo{»m_, Ümm{aV g§nm{íd©HŸ (n«HŸma HŸmo ímm{_b HŸaVohwE O¡go ZHŸX, gaHŸmar n«{Vämy{V`m§, Am{X) VÏmm {Zdb ì wËnÝZFÊm {Zdoím. grB©E_ HoŸ AÜmrZ MyHŸ na Omo{»m_ `m Omo{»m_am{ím HoŸ {bE {anmoQ© Cnm`. FÊm ì wËnÝZ n«{Vaúmm HoŸ HŸmën{ZHŸ_yë` VÏmm FÊm Omo{»m_ HoŸ n«HŸmam| _| Mmby FÊm Omo{»m_ HŸmg§{dVaÊm.

(J) grgrAma HŸmo Omo{»m_ g¥{OV HŸaZodmbo FÊm ì wËnÝZ boZXoZ(HŸmën{ZHŸ _yë`), {Ogo g§JRZ HoŸ AnZo FÊm g§{dämmJ VÏmmCgHŸr VËHŸmb J{V{d{Üm`m| HoŸ {bE n¥ÏmHŸ {HŸ`m J`m h¡ {Og_|n« wŠV FÊm ì wËnÝZ CËnmX HoŸ g§{dVaÊm ímm{_b h¡ Am¡a Bgon«Ë`oHŸ CËnmX g_yh HoŸ A§VJ©V n«{Vaúmm Ûmam {d»m§{SV HŸa»marXm d ~oMm J`m h¡.

~¢{H§ŸJ HŸmC§Qa nm{Q© m| HoŸ {bE HŸmC§Qa nmQr© FÊm Omo{»m_ gr_mE§ Am§V{aHŸ _m°Sb na Am§HŸrOmVr h¡ {Og_| {ZåZ{b{»mV n¡am_rQa na {dMma {HŸ`m OmVm h¡ Omo HŸmC§Qa nm{Q© m| HŸm FÊm XOm©{ZÜmm©aÊm VÏmm CZHŸm {Zdb _yë`, ~¢HŸ HŸm {Zdb _yë` VÏmm HŸmamo~ma HŸr Amdí`HŸVmE§. AÝ`gämr _m_bm| _|, HŸmC§Qa nmQr© FÊm Omo{»m_ gr_m HŸmo ~¢HŸ Ûmam FÊm Zr{V d AZwXoím nw{ñVHŸm _|Xr J`r Zr{V HoŸ AZwgma FÊm AmHŸbZ n«{HŸ« m AnZm`r OmVr h¡. n«Ë oHŸ FÊm HoŸ {bEgrgrAma HŸr gr_mE§ am{ím VÏmm g_` HoŸ AmÜmma na {ZÜmm©{aV HŸr OmVr h¡. grgrAma FÊm HoŸ{bE ny§Or _mZHŸrH¥ŸV Ñ{îQHŸmoÊm HoŸ AmÜmma na AmHŸ{bV {HŸ`m OmVm h¡.

g§n«{V ~¢HŸ HoŸ HŸmoB© FÊm ì wËnÝZ Omo{»m_ Zht h¡.

~¢HŸ {Ûnúmr` Zo{Å§J hr nhMmZ HŸaVm h¡. ì wËnÝZ Omo{»m_ _m¡OyXm Omo{»m_ n«Êmmbr HoŸ AmÜmmana n{aHŸ{bV {HŸ`m OmVm h¡ VÏmm `Ïmm 31.03.2014 HŸmo ~HŸm`m ímoîm ZrMo n«ñVwV h¡ :

(` HŸamoSm| _|)

{ddaÊm HŸmën{ZHŸ am{ím Mmby {Zdoím

{dXoímr {d{Z_` g§{dXmE§ 4526.79 90.54

108

~ogb III - gm_mÝ` n«HŸQZ QoåßboQ(` {_{b`Z _|)

{Z`m_HŸ g_m`moOZ HoŸ n{adV©Z HoŸ Xm¡amZ n« moJ {HŸE OmZodmbo ~ogb III nyd© ~ogb III HoŸ {ZêŸnÊm g§Xäm© g§.gm_mÝ` n«HŸQZ QoåßboQ (AÏmm©V 1 An«¡b, 2013 go 31 {Xg§~a, 2017 VHŸ) HoŸ AÜmrZ am{ím`m§

gm_mÝ` B©{ŠdQr {Qà 1 ny§Or : {b»mV VÏmm Ama{úm{V`m§

1 grÜmo Omar {HŸE JE Ah©HŸ gm_mÝ` ímo a ny§Or ßbg g§~§{ÜmV ñQmHŸ A{Ümímoîm (ímo a n«r{_`_) 25385.18 HŸ=»m+J

2 n«{VÜmm{aV Am` 9342.76 ¿m

3 g§{MV AÝ` ì`mnHŸ Am` (VÏmm AÝ` Ama{úm{V`m§) 21661.38 L=M+N+Âm+Q+R

4 grÜmo {ZJ©{_V ny§Or ~ímVo© {HŸ grB©Qr1 go MaÊm~Õ VarHoŸ go g_mßV {HŸ`m OmVm h¡(HoŸdb J¡a-g§ wŠV ñQmHŸ H§Ÿn{Z`m| na bmJy) —

1 OZdar, 2018 VHŸ J«¢S\ŸmXS© gmd©O{ZHŸ úmoÍm HoŸ ny§Or A§Vúmoßm —

5. ghm`HŸ H§Ÿn{Z`m| Ûmam Omar {HŸE JE gm_mÝ` ímo a ny§Or VÏmm Vrgar nm{Q© m| Ûmam Ümm{aV(grB©Qr 1 g_yh _| am{ím AZw_V h¡) —

6 {Z`m_HŸ g_m`moOZ HoŸ nhbo gm_mÝ` B©{ŠdQr {Qà 1 ny§Or 56389.31

gm_mÝ` B©{ŠdQr {Qà 1 ny§Or : {Z`m_HŸ g_m`moOZmE§

7 {ddoHŸnyÊm© _yë`m§HŸZ g_m`moOZ —

8 gØmd (g§~§{ÜmV HŸa Xo Vm HŸm {Zdb) —

9 ~§ÜmHŸ ghm`HŸ A{ÜmHŸmam| HoŸ Abmdm AÝ` A_yV© (g§~§{ÜmV HŸa Xo Vm HŸm {Zdb) —

10 AmñÏm{JV HŸa g§n{ËV —

11 ZHŸX n«dmh ~Mmd Ama{úm{V —

12 n«Ë`m{ímV hm{Z HoŸ {bE n«mdÜmmZm| HŸr HŸ_r —

13 {~HŸ«r na n«{Vämy{VHŸaÊm bmäm —

14 C{MV _yë` HoŸ XoZXm{a`m| na »mwX HoŸ FÊm Omo{»m_ _| n{adV©Zm| HoŸ HŸmaÊm bmäm Ed§ hm{Z —

15 {ZÜmm©{aV-bmäm n|ímZ {Z{Üm {Zdb g§n{ËV`m§ 476.45 =(äm+_)*40%

16 »mwX HoŸ ímo am| _| {Zdoím (`{X nhbo hr, {anmoQ© {HŸE JE VwbZ nÍm HŸo n«XËV ny§Or HŸm {ZdbZht {HŸ`m J`m Vmo —

17 gm_mÝ` B©{ŠdQr _| nmañn{aHŸ n«{VÜmmaÊm 8.66

18 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| HoŸ ny§Or _|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡,nmÍm ímmQ© nmo{OímZ HŸo {Zdb _| {Zdoím, Ohm§, ~¢HŸ, Omar ímo a ny§Or HoŸ 10% go A{ÜmHŸ HŸm_m{bHŸ Zht h¡ (10% gr_m go DŸna HŸr am{ím) —

19 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm|, Omo {Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡, nmÍm ímmQ©nmo{OímZ HŸo {Zdb HoŸ gm_mÝ` ímo a _| _hËdnyÊm© {Zdoím (10% gr_m go DŸna HŸr am{ím) —

20 ~§ÜmHŸ godmŸ A{ÜmHŸma (10% gr_m go DŸna HŸr am{ím) —

21 AñÏmm`r A§Vam| go g¥{OV AmñÏm{JV HŸa g§n{ËV (10% gr_m go DŸna HŸr am{ím, g§~§{ÜmV HŸaXo Vm HŸm {Zdb) —

22 15% gr_m go A{ÜmHŸ HŸr am{ím —

109

(` {_{b`Z _|){Z`m_HŸ g_m`moOZ HoŸ n{adV©Z HoŸ Xm¡amZ n« moJ {HŸE OmZodmbo ~ogb III nyd© ~ogb III HoŸ {ZêŸnÊm g§Xäm© g§.gm_mÝ` n«HŸQZ QoåßboQ (AÏmm©V 1 An«¡b, 2013 go 31 {Xg§~a, 2017 VHŸ) HoŸ AÜmrZ am{ím`m§

23 {OZ_| go : {dËVr` g§ñÏmmAm| HoŸ gm_mÝ` ímo am| _| _hËdnyÊm© {Zdoím —

24 {OZ_| go : ~§ÜmHŸ ghm`HŸ A{ÜmHŸma —

25 {OZ_| go : AñÏmm`r A§Vam| go g¥{OV AmñÏm{JV HŸa g§n{ËV`m§ —

26 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (26HŸ+26»m+26J+26¿m) —

26HŸ {OZ_| go : Ag_o{HŸV ~r_m ghm`HŸ H§Ÿn{Z`m| HŸr B©{ŠdQr ny§Or _| {Zdoím —

26»m {Og_| go : Ag_o{HŸV J¡a-{dËVr` ghm`HŸ H§Ÿn{Z`m| HŸr B©{ŠdQr ny§Or _| {Zdoím —

26J {Og_| go : ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§ Omo ~¢HŸ HoŸ gmÏm g_o{HŸV Zht HŸrJ`r h¢, CZHŸr B©{ŠdQr ny§Or _| HŸ_r. —

26¿m {Og_| go : An{aímmo{ÜmV n|ímZ {Z{Üm ì`` —

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| gm_mÝ` B©{ŠdQr {Qà 1 HŸmo bmJy{d{Z`m_HŸ g_m`moOZ —

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa|) CXmhaÊmmÏm© : EE\ŸEg FÊm n«{Vämy{V`m| na

An«mßV hm{Z`m| _| go ímmo{ÜmV (ämmaVr` n{a{ñÏm{V _| J¡a-g§~§Üm) —

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa|) —


27 HŸQm¡Vr HŸmo HŸda HŸaZo HoŸ {bE An`m©ßV A{V{aŠV {Qà 1 VÏmm {Qà 2 HoŸ HŸmaÊm gm_mÝ`B©{ŠdQr {Qà 1 HŸmo bmJy {d{Z`m_HŸ g_m`moOZ 727.66 =(äm+_)*60%

28 gm_mÝ` B©{ŠdQr {Qà 1 HoŸ HwŸb {d{Z`m_HŸ g_m`moOZ 1212.77

29 gm_mÝ` B©{ŠdQr {Qà 1 ny§Or (grB©Qr1) 55176.54

A{V{aŠV {Qà 1 ny§Or : {b»mV

30 n«Ë`úm êŸn go Omar Ah©HŸ A{V{aŠV {Qà 1 {b»mV + g§~§{ÜmV ímo a A{Ümímoîm (31+32)) —

31 {Og_| go : bmJy bo»mm§HŸZ _mZHŸm| HoŸ AÜmrZ B©{ŠdQr HoŸ êŸn _| dJr©H¥ŸV (~o_r`mXr J¡a-g§M`rA{Üm_mÝ` ímo a) —

32 {Og_| go : bmJy bo»mm§HŸZ _mZHŸm| HoŸ AÜmrZ Xo VmAm| HoŸ êŸn _| dJr©H¥ŸV (~o_r mXr FÊm {b»mV)

33 A{V{aŠV {Qà 1 go MaÊm~Õ VarHoŸ HoŸ VhV n«Ë`úm êŸn go Omar ny§Or {b»mV —

34 ghm`HŸ H§Ÿn{Z`m| Ûmam Omar VÏmm Vrgar nm{Q© m| Ûmam Ümm{aV A{V{aŠV {Qà 1 {b»mV (VÏmm n§{ŠV5 _| ímm{_b Zht {HŸE JE) grB©Qr 1 n«nÍm (g_yh EQr1 _| AZw_V am{ím) —

35 {Og_| go : MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ ghm`HŸ H§Ÿn{Z`m| Ûmam Omar {b»mV —

36 {d{Z`m_HŸ g_m`moOZ go nyd© A{V{aŠV {Qà 1 ny§Or —

A{V{aŠV {Qà 1 ny§Or : {d{Z`m_HŸ g_m`moOZ

37 {ZOr A{V{aŠV {Qà 1 {b»mVm| _| {Zdoím —

110


38 A{V{aŠV {Qà 1 {b»mVm| _| nmañn{aHŸ n«{VÜmmaÊm —

39 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡, HoŸ ny§Or _| VÏmmnmÍm ímmQ© nmo{OímZ HoŸ {Zdb, _| {Zdoím, Ohm§ ~¢HŸ g§ñÏmm go Omar gm_mÝ` ímo a ny§Or HoŸ 10% goA{ÜmHŸ HŸm _m{bHŸ Zht h¡ (10% gr_m go A{ÜmHŸ HŸr am{ím) —

40 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| _| _hËdnyÊm© {Zdoím, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go~mha h¡ (nmÍm ímmQ© nmo{OímZ HoŸ {Zdb) —

41 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (41a+41b) —41HŸ Ag_o{HŸV ~r_m ghm`HŸ H§Ÿn{Z`m| HoŸ A{V{aŠV {Qà 1 ny§Or _| {Zdoím —41»m ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§, Omo ~¢HŸ HoŸ gmÏm g_o{HŸV Zht HŸr J`r h¡,

CZHŸr A{V{aŠV {Qà 1 ny§Or _| HŸ_r —nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| A{V{aŠV {Qà 1 HŸmo bmJy{d{Z`m_HŸ g_m`moOZ —{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© : SrQrE) —

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© : _m¡OyXm g_m`moOZ Omo{Qà 1 go 50% _| HŸmQo Om aho h¢) —{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa|) —

42 HŸQm¡Vr HŸmo HŸda HŸaZo HoŸ {bE An`m©ßV {Qà 2 HoŸ HŸmaÊm A{V{aŠV {Qà 1 HŸmobmJy {d{Z`m_HŸ g_m`moOZ —

43 A{V{aŠV {Qà 1 ny§Or _| HwŸb {d{Z`m_HŸ g_m`moOZ —44 A{V{aŠV {Qà 1 ny§Or (EQr1) —44HŸ ny§Or n`m©ßVVm HoŸ {bE JÊmZm _| br J`r A{V{aŠV {Qà 1 ny§Or —45 {Qà 1 ny§Or (Qr1 = grB©Qr1 + EQr1) (29 + 44HŸ) 55176.54

{Qà 2 ny§Or : {b»mV Ed§ n«mdÜmmZ

46 n«Ë`úm êŸn go Omar Ah©HŸ {Qà 1 {b»mV + g§~§{ÜmV ñQmHŸ A{Ümímoîm 2500.00 R

47 A{V{aŠV {Qà 2 go MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ n«Ë`úm êŸn go Omar ny§Or {b»mV 9100.00 S=T+Êm+V+Ïm+X+Üm+Z(~ogb III HŸmoMaÊm~Õ HŸaZo HoŸ~mX)

48 ghm`HŸ H§Ÿn{Z`m| Ûmam Omar VÏmm Vrgar nm{Q© m| Ûmam Ümm{aV {Qà 2 HŸr {b»mV| (VÏmm n§{ŠV5 `m 34 _| ímm{_b Z {HŸE JE grB©Qr 1 VÏmm EQr1 {b»mV)(g_yh {Qà 2 _| AZw_V am{ím) —

49 {Og_| go : ghm`HŸ H§Ÿn{Z`m| Ûmam MaÊm~Õ VarHoŸ go g_m{ßV HoŸ AÜmrZ Omar {b»mV —

50 n«mdÜmmZ 5360.66 n=\Ÿ*.45+~

51 {d{Z`m_HŸ g_m`moOZ HoŸ nyd© {Qà 2 ny§Or 16960.66

{Qà 2 ny§Or : {d{Z`m_HŸ g_m`moOZ

52 »mwX HoŸ {Qà 2 {b»mVm| _| {Zdoím —

53 {Qà 2 {b»mVm| _| nmañn{aHŸ n«{VÜmmaÊm 427.8054 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| HoŸ ny§Or _|, Omo {d{Z`m_HŸ g_oHŸZ HoŸ Xmào go ~mha h¡,

nmÍm ímmQ© nmo{OímZ HŸo {Zdb _| {Zdoím, Ohm§, ~¢HŸ, g§ñÏmm go Omar gm_mÝ` ímo a ny§Or HoŸ 10%go A{ÜmHŸ HŸm _m{bHŸ Zht h¡ (10% gr_m go DŸna HŸr am{ím) —

111


55 ~¢{H§ŸJ, {dËVr` VÏmm ~r_m g§ñÏmmAm| _| _hËdnyÊm© {Zdoím, Omo {Z`m_HŸ g_oHŸZ HoŸ Xmàogo ~mha h¡, (nmÍm ímmQ© nmo{OímZ HŸo {Zdb) —

56 amîQ—r` {d{ímîQ {d{Z`m_HŸ g_m`moOZ (56a+56b) —

56a {OZ_| go : Ag_o{HŸV ghm`HŸ H§Ÿn{Z`m| HŸr {Qà 2 ny§Or _| {Zdoím —

56b {Og_| go : ~hwg§»`m HŸr ñdm{_Ëddmbr {dËVr` g§ñÏmmE§ Omo ~¢HŸ HoŸ gmÏm g_o{HŸVZht HŸr J`r h¢, CZHŸr {Qà 2 ny§Or _| HŸ_r. —

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| {Qà 2 HŸmo bmJy {d{Z`m_HŸ g_m`moOZ —

{Og_| go : (g_m`moOZ HŸm n«HŸma g{å_{bV HŸa| CXmhaÊmmÏm© _m¡OyXm g_m`moOZ,Omo {Qà 2 go 50% _| HŸmQo Om aho h¢) —


57 {Qà 2 ny§Or _| HwŸb {d{Z`m_HŸ g_m`moOZ 427.80

58 {Qà 2 ny§Or (Qr2) 16532.86

58HŸ ny§Or n`m©ßVVm HoŸ {bE JÊmZm _| br J`r {Qà 2 ny§Or 16532.86

58»m {Qà 2 ny§Or HoŸ êŸn _| JÊmZm HŸr J`r A{V{aŠV AË`{ÜmHŸ {Qà 2 ny§Or 0

58J ny§Or n`m©ßVVm HoŸ {bE ñdrHŸm © HwŸb {Qà 2 ny§Or (58HŸ + 58»m) 16532.86

59 HwŸb ny§Or (Qrgr = Qr1 + Qr2) (45 + 58J) 71709.41

nyd© ~ogb III n«{VnmXZ HoŸ AÜmrZ am{ím`m| HoŸ g§~§Üm _| Omo{»m_ ämm{aV Am{ñV`m§ —


{Og_| go : —

60 HwŸb Omo{»m_ ämm{aV Am{ñV`m§ (60HŸ + 60»m + 60J) 679318.97

60HŸ {Og_| go : HwŸb FÊm Omo{»m_ ämm{aV Am{ñV`m§ 603513.55

60»m {Og_| go : HwŸb ~mOma Omo{»m_ ämm{aV Am{ñV`m§ 35267.12

60J {Og_| go : HwŸb n{aMmbZmË_HŸ Omo{»m_ ämm{aV Am{ñV`m§ 40538.30

ny§Or AZwnmV

61 gm_mÝ` B©{ŠdQr {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 8.12%

62 {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 8.12%

63 HwŸb ny§Or (Omo{»m_ ämm{aV g§n{ËV`m| HŸr n«{VímVVm HoŸ êŸn _|) 10.56%

64 g§ñÏmm {d{ímîQ ~\Ÿa Amdí`HŸVm (Ý yZV_ grB©Qr 1 HŸr Amdí`HŸVm + ny§Or g§aúmÊmVÏmm n«{V MHŸ«r` Amdí`HŸVmE§, Omo{»m_ ämm{aV Am{ñV`m| HoŸ êŸn _| ì`ŠV HŸr J`r) 5.00%

112


65 {Og_| go : ny§Or g§aúmÊm ~\Ÿa Amdí`HŸVm 0%

66 {Og_| go : ~¢HŸ {d{ímîQ n«{V MHŸ«r` ~\Ÿa Amdí`HŸVm —

67 {Og_| go : Or-EgAmB©~r ~\Ÿa Amdí`HŸVm —

68 ~\Ÿa HŸmo nyao HŸaZo HoŸ {bE CnbãÜm gm_mÝ` B©{ŠdQr {Qà 1 (Omo{»m_ ämm{aV g§n{ËV`m|HŸr n«{VímVVm HoŸ êŸn _|) —

amîQ—r` {_{Z_m (`{X ~ogb III go AbJ h¡ Vmo )

69 amîQ—r` gm_mÝ` B©{ŠdQr {Qà 1 Ý yZV_ AZwnmV (`{X Ý yZV_ ~ogb III go {ämÝZ hmo) 5.00%

70 amîQ—r` {Qà 1 Ý yZV_ AZwnmV (`{X Ý yZV_ ~ogb III go {ämÝZ hmo) 6.50%

71 amîQ—r` HwŸb ny§Or Ý yZV_ AZwnmV (`{X Ý yZV_ ~ogb III go {ämÝZ hmo) 9.00%

HŸQm¡Vr HoŸ {bE gr_m go HŸ_ HŸr am{ím`m§ (Omo{»m_ ämm{aV go nhbo)

72 AÝ` {dËVr` g§ñÏmmAm| HŸr ny§Or _| ZJÊ` {Zdoím —

73 {dËVr` g§ñÏmmAm| HoŸ gm_mÝ` ñQmHŸ _| Cëbo»mZr` {Zdoím —

74 ~§ÜmHŸ ghm`HŸ A{ÜmHŸma (g§~§{ÜmV HŸa Xo Vm HŸm {Zdb) —

75 AñÏmm`r A§Vam| go CËnÝZ hmoZodmbr AmñÏm{JV HŸa g§n{ËV`m§ (g§~§{ÜmV HŸa Xo Vm HŸm {Zdb) —

{Qà 2 _| n«mdÜmmZm| HŸmo ímm{_b {HŸE OmZo na bmJy CÀMV_ gr_m

76 _mZHŸrH¥ŸV Ñ{îQHŸmoÊm HoŸ AÜmrZ FÊm Omo{»m_ HoŸ g§~§Üm _| {Qà 2 _| ímm{_b HŸaZo hoVw nmÍmn«mdÜmmZ (CÀMV_ gr_m HŸmo bmJy HŸaZo HoŸ nyd©) 5360.62 n

77 _mZHŸrH¥ŸV Ñ{îQHŸmoÊm HoŸ AÜmrZ {Qà 2 _| n«mdÜmmZm| HŸmo ímm{_b HŸaZo HoŸ {bE CÀMV_ gr_m 7543.92

78 Am§V{aHŸ _yë`m§HŸZ AmÜmm{aV Ñ{îQHŸmoÊm HoŸ AÜmrZ FÊm Omo{»m_ HoŸ g§~§Üm _| {Qà 2 _|ímm{_b HŸaZo hoVw nmÍm n«mdÜmmZ (CÀMV_ gr_m HŸmo bmJy HŸaZo go nyd©) bmJy Zht

79 Am§V{aHŸ _yë m§HŸZ AmÜmm{aV Ñ{îQHŸmoÊm HoŸ A§VJ©V n«mdÜmmZm| HŸmo ímm{_b HŸaZo HoŸ {bE CÀMV_ gr_m bmJy Zht

MaÊm~Õ ì`dñÏmm HoŸ AÜmrZ ny§Or {b»mV(HoŸdb 31 _mM©, 2007 go 31 _mM© 2022 VHŸ nmÍm)

80 MaÊm~Õì`dñÏmm HoŸ AÜmrZ g_m{ßV HoŸ ímV© na grB©Qr1 na _m¡OyXm CÀMVa gr_m bmJy Zht

81 CÀMVa gr_m HoŸ HŸmaÊm grB©Qr1 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm|HoŸ ~mX CÀMVa gr_m go A{ÜmHŸ bmJy Zht

82 MaÊm~Õ ì`dñÏmmAm| HoŸ AÜmrZ g_m{ßV HŸr ímV© na EQr1 {b»mVm| na _m¡OyXm CÀMVa gr_m bmJy Zht

83 CÀMVa gr_m HoŸ HŸmaÊm EQr1 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm|HoŸ ~mX CÀMVa gr_m go A{V{aŠV am{ím) bmJy Zht

84 MaÊm~Õ ì`dñÏmmAm| HoŸ AÜmrZ Qr2 {b»mVm| na _m¡OyXm CÀMVa gr_m bmJy Zht

85 CÀMVa gr_m HoŸ HŸmaÊm Qr2 _| ímm{_b Zht HŸr J`r am{ím (_moMZ VÏmm n{anŠdVmAm|HoŸ ~mX CÀMVa gr_m go A{V{aŠV am{ím) bmJy Zht

113

~ogb III - ny§Or HŸr g§aMZm(` {_{b`Z _|)

Xo VmE§ `Ïmm 31.03.2014 HŸmo g_o{HŸV {dËVr` g§Xäm© g§.{ddaÊmm| HoŸ AZwgma VwbZ nÍm

ny§Or

B©{ŠdQr ímo a ny§Or 8591.19 »m

Ama{úm{V`m§ Am¡a A{Ümímoîm

I gm§{d{ÜmHŸ Ama{úm{V 13377.20 MII ny§Or Ama{úm{V 3518.95 NII ny§Or Ama{úm{V 0.00 Âm

III ímo a n«r{_`_ 16793.98 JIII nwZ_y©b`m§HŸZ Ama{úm{V 2489.93 \Ÿ

gm_mÝ` Ama{úm{V 127.96 ÄmIV amOñd Am¡a AÝ` Am{úm{V`m§

HŸ {d{ZÜmmZ ¿mQ-~T Ama{úm{V 0.00

»m {d{Z_` ¿mQ-~T Ama{úm{V 0.00

J AmñÏm{J_ HŸa Ama{úm{V 0.00

¿m A{Üm{Z`_ 36(1)(viii) HoŸ AZwgma {dímoîm AmaúmÊm 4637.27 QL bmäm d hm{Z bo»mm 9342.76 ¿m

HwŸb ny§Or, Ama{úm{V`m§ Am¡a A{Ümímoîm 58879.24

HwŸb O_m 1242961.59

CÜmma

(i) ämm.{a.~¢. go 3500.00

(ii) AÝ` ~¢HŸm| go 0.00

(iii) AÝ` g§ñÏmmAm| VÏmm EO|{g`m| go 16197.99

aonmo »mmVm 10250.00

(vii) {Q`a II ~m§S90 _hrZo ~m§S 2010 - 7.50% 0.00 T123 _hrZo ~m§S 2015 - 7.15% 2500.00 Êm

120 _hrZo ~m§S 2016 - 9.25% 2500.00 V

180 _hrZo ~m§S 2022 - 10.10% 3000.00 Ïm

123 _hrZo ~m§S 2017 - 9.50% 2000.00 X

124 _hrZo ~m§S 2018 - 9.35% 2000.00 Üm

180 _hrZo ~m§S 2023 - 9.45% 3000.00 Z

120 _hrZo ~m§S 2023 - 9.73% 2500.00 R

HwŸb CÜmma 47447.99

114

(` in million)

Xo VmE§ `Ïmm 31.03.2014 HŸmo g_o{HŸV {dËVr` g§Xäm© g§.{ddaÊmm| HoŸ AZwgma VwbZ nÍm

AÝ` Xo VmE§ Am¡a n«mdÜmmZ

I Xo {~b 4171.54

Ii n«moØyV ã`mO 3252.22

Iv drAmaEg ~m§S 0.00

V _mZHŸ Am{ñV`m| HoŸ n«{V n«mdÜmmZ 4240.15 ~

Vi 90 {XZm| HoŸ _mZX§S HoŸ {bE n«mdÜmmZ 0.00

Vi AÝ` (n«mdÜmmZ g{hV) 10514.51

HwŸb AÝ` Xo VmE§ 22178.43

Xo VmAm| HŸm gHŸb HwŸb 1371467.25

Am{ñV`m§ `Ïmm 31.03.2014 HŸmo g_o{HŸV {dËVr` g§Xäm© g§.{ddaÊmm| HoŸ AZwgma VwbZ nÍm

ämm.{a.~¢. _| HwŸb ZHŸX d ~¡§HŸ ímoîm 55402.08

~¢HŸm| _| HwŸb ímoîm Am¡a n«{VXo am{ím 39174.48

HwŸb {d{ZÜmmZ 425853.85

HwŸb {Zdb A{J«_ 815040.32

HwŸb AMb Am{ñV`m§ 5289.46

AÝ` Am{ñV`m§I A§Va HŸm`m©b` g_m`moOZ (Zm_o) -1367.63

Ii n«moØyV ã`mO 8956.15

Iii A{J«_ êŸn go n«XËV HŸa 16857.39

Iv. AmñÏm{JV HŸa Am{ñV`m§ -751.25

V bo»mZgm_J«r Am¡a ñQ¡ån 13.79

Vi J¡a ~¢{H§ŸJ Am{ñV`m§ 0.76

Vii J«oÀ wQr n{aímmoÜmZ 245.68 äm

n|ímZ n{aímmoÜmZ 945.45 _

Vii AÝ` 5806.73

HwŸb AÝ` Am{ñV`m§ (AZwgyMr 11) 30707.07

Am{ñV`m| HŸm gHŸb HwŸb 1371467.25

115

HŸ«_ {ddaÊm B©{ŠdQr ímo a Aßna {Qà II 1 Aßna {Qà II 2 bmoAa {Qà II bmoAa {Qà II bmoAa {Qà II bmoAa {Qà II {Qà II Eg8 g§. Eg4 Eg5 Eg6 Eg7 ~ogb III

1 OmarHŸVm© {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ {dO`m ~¢HŸ

2 {dímoîm nhMmZHŸVm© AmB©EZB© AmB©EZB© AmB©EZB© AmB©EZB© AmB©EZB© AmB©EZB© AmB©EZB© AmB©EZB©705E01016 705E09076 705E09100 705E09050 705E09068 705E09084 705E09092 705E08029

3 {b»mVm| na {Z`_Z HŸaZodmbr {d{Üm bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr` bmJy ämmaVr`g§{d{Üm d g§{d{Üm d g§{d{Üm d g§{d{Üm d g§{d{Üm d g§{d{Üm d g§{d{Üm d g§{d{Üm d{d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ {d{Z`m_HŸ

Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE§ Amdí`HŸVmE

{d{Z`m_HŸ CnMma

4 g§HŸ«_ÊmHŸmbrZ ~ogb III {Z`_ gm_mÝ` B©{ŠdQr {Qà 2 {Qà 2 {Qà 2 {Qà 2 {Qà 2 {Qà 2 {Qà 2{Qà 1

5 g§HŸ«_ÊmHŸmbrZmoËVa ~ogb III {Z`_ gm_mÝ` B©{ŠdQr AZh© AZh© AZh© AZh© AZh© AZh© {Qà 2{Qà 1

6 EHŸb/g_yh _| Ah© EHŸb EHŸb EHŸb EHŸb EHŸb EHŸb EHŸb EHŸb

7 {b»mV HŸm n«HŸma gm_mÝ` ímo a {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV {Qà 2 FÊm {b»mV

8 {d{Z`m_HŸ ny§Or _| nhMm{ZV am{ím 859.12 240 240 50 100 120 160 250(`Ïmm 31.03.2014 HŸmo é. HŸamoSm| _| )

9 {b»mV HŸm g_ _yë` (é. HŸamoSm| _|) bmJy Zht 300 300 250 250 200 200 250

10 bo»mmHŸaÊm dJr©HŸaÊm ímoàÜmmaHŸm| Xo`Vm Xo`Vm Xo`Vm Xo`Vm Xo`Vm Xo`Vm Xo`VmHŸr B©{ŠdQr

11 Omar HŸaZo HŸm _yb {XZm§HŸ {d{ämÝZ 3/20/2007 3/17/2008 3/15/2005 8/1/2006 7/31/2007 12/31/2007 12/23/2013

12 ~o{_`mXr AÏmdm {XZm§{HŸV ~o{_`mXr {XZm§{HŸV {XZm§{HŸV {XZm§{HŸV {XZm§{HŸV {XZm§{HŸV {XZm§{HŸV {XZm§{HŸV

13 _yb n{anŠdVm {XZm§HŸ HŸmoB© n{anŠdVm Zht 3/20/2022 3/17/2023 6/15/2015 8/1/2016 10/31/2017 4/30/2018 12/23/2023

14 nyd© n ©doúmr AZw_moXZ HŸr ímV© na OmarHŸVm© Zht Zht Zht Zht Zht Zht Zht ZhtHŸr _m§J

15 d¡HŸ{ënHŸ _m§J {XZm§HŸ, AZwîm§Jr _m§J {XZm§H bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht VÏmm _moMZ am{ím

16 nadVr© _m§J {XZm§HŸ, `{X bmJy hmo Vmo bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

HyŸnZ/bmämm§ím

17 {ñÏma AÏmdm A{ñÏma bmämm§ím/HyŸnZ bmJy Zht {ñÏma {ñÏma {ñÏma {ñÏma {ñÏma {ñÏma {ñÏma

18 HyŸnZ Xa VÏmm HŸmoB© g§~§{ÜmV gyMHŸm§HŸ bmJy Zht 10.10% 9.45% 7.15% 9.25% 9.50% 9.35% 9.73%

19 bmämm§ím amoHŸHŸVm© HŸr _m¡OyXJr bmJy Zht hm§ hm§ hm§ hm§ hm§ hm§ hm§

~ogb III – {d{Z`m_HŸ ny§Or {b»mV HŸr n«_w»m {d{ímîQVmE§

116

HŸ«_ {ddaÊm B©{ŠdQr ímo a Aßna {Qà II 1 Aßna {Qà II 2 bmoAa {Qà II bmoAa {Qà II bmoAa {Qà II bmoAa {Qà II {Qà II Eg8 g§. Eg4 Eg5 Eg6 Eg7 ~ogb III

20 nyÊm© {ddoHŸm{ÜmHŸma, Am§{ímHŸ {ddoHŸm{ÜmHŸma nyÊm© {ddoHŸm{ÜmHŸma A{Zdm`© A{Zdm`© A{Zdm`© A{Zdm`© A{Zdm`© A{Zdm`© A{Zdm`©AÏmdm A{Zdm ©

21 _moMZ HoŸ {bE ñQon-An AÏmdm AÝ` HŸmoB©n«moËgmhZ HŸr _m¡OyXJr Zht Zht Zht Zht Zht Zht Zht Zht

22 Ag§M`r AÏmdm g§M`r Ag§M`r g§M`r g§M`r g§M`r g§M`r g§M`r g§M`r g§M`r

23 n{adV©Zr` AÏmdm An{adV©Zr` bmJy Zht An{adV©Zr` An{adV©Zr` An{adV©Zr` An{adV©Zr` An{adV©Zr` An{adV©Zr` An{adV©Zr`

24 `{X n{adV©Zr` h¡ Vmo, n{adV©Z HoŸ CËn«oaHŸ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

25 `{X n{adV©Zr` h¡ Vmo, nyÊm© AÏmdm Am§{ímHŸ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

26 `{X n{adV©Zr` h¡ Vmo, n{adV©Z Xa bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

27 `{X n{adV©Zr` h¡ Vmo, A{Zdm © `m d¡HŸ{ënHŸ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zhtn{adV©Z

28 `{X n{adV©Zr` h¡ Vmo, n{adV©Z`mo½` {b»mV bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zhtn«HŸma {Z{X©îQ HŸa|

29 `{X n{adV©Zr` h¡ Vmo, n{adV©Z {HŸE OmZodmbo{b»mV HoŸ OmarHŸVm© HŸmo {Z{X©îQ HŸa| bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht

30 Adbo»mZ {d{ímîQVm Zht Zht Zht Zht Zht Zht Zht hm§

31 `{X Adbo»mZ hmo Vmo, Adbo»mZ HoŸ CËn«oaHŸ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht ** hm{Z Am_obZ{d{ímîQVmE§

(Adbo»mZ VÏmm~TmZm)

32 `{X Adbo»mZ hmo Vmo, nyÊm©V: AÏmdm Am§{ímHŸ bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht nyÊm© AÏmdm Am§{ímHŸ

33 `{X Adbo»mZ hmo Vmo, ñÏmm`r AÏmdm AñÏmmB© bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht AñÏmm`r d ñÏmm`r

34 `{X Adbo»mZ hmo Vmo, Adbo»mZ V§Ím HŸm bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht bmJy Zht ** hm{Z Am_obZ{ddaÊm {d{ímîQVmE§

(Adbo»mZ VÏmm~TmZm

35 n{ag_mnZ _| Jm¡Êm nXmZwHŸ«_ HŸr {ñÏm{V ~o{_`mXr FÊm ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr ~¢HŸ HoŸ AÝ` gämr({b»mV HoŸ CÀM AmgÝZ {b»mV n«HŸma {b»mV boZXma VÏmm boZXma VÏmm boZXma VÏmm boZXma VÏmm boZXma VÏmm boZXma VÏmm boZXma VÏmm

O_mHŸVm© O_mHŸVm© O_mHŸVm© O_mHŸVm© O_mHŸVm© O_mHŸVm© O_mHŸVm©

36 J¡a-AZwnmbZ g§HŸ«_ÊmHŸmbrZ {d{ímîQVmE§ Zht Zht Zht Zht Zht Zht Zht Zht

37 `{X hm§ Vmo, J¡a-AZwnmbZ {d{ímîQVmE§ bmJy Zht hm{Z Am_obZ hm{Z Am_obZ hm{Z Am_obZ hm{Z Am_obZ hm{Z Am_obZ hm{Z Am_obZ bmJy Zht{Z{X©îQ HŸa| {d{ímîQVmE§ Zht h¡ {d{ímîQVmE§ Zht h¡ {d{ímîQVmE§ Zht h¡ {d{ímîQVmE§ Zht h¡ {d{ímîQVmE§ Zht h¡ {d{ímîQVmE§ Zht h¡

117

PERFORMANCE HIGHLIGHTS: 2013-14

Business Growth

v Total Business crossed a milestone level of 2 lakhcrore to reach 206721 crore with a Y-o-Y growth of23.40 %.

v Total Deposits grew by 28.12 % to reach ` 124296crore from ` 97017 crore last year.

v Retail term deposits grew by 14.92 % to reach` 43106 crore.

v CASA deposits grew by 12.41% in FY 2013-14 toreach 22860 crore.

v Gross advances reached ` 82425 crore with aY-o-Y growth of 17%.

v Productivity measured by Business per employeeimproved from `13.87 crore to ` 16.74 crore.

v Business per branch increased to 136.72 crore asagainst ` 123.28 crore recorded as at March 2013.

Profits and Profitability

v Net profit for the year ended March 2014 stood at` 416 crore.

v Interest income for FY 2013-14 was up by 18.27%to reach ` 10707 crore.

v Total Income for FY 2013-14 increased by 18.20%to reach ` 11417 crore

Non Performing Assets

v The Gross NPA level of the Bank stood at ` 1986crore as at March 31, 2014.

v Gross NPA ratio as on March 31, 2014 was 2.41%.

v The Net NPA level stood at ` 1262 crore as atMarch 31, 2014.

v The Net NPA ratio as on March 31, 2014 was 1.55%.

Priority Sector Operations

v Priority Sector Advances aggregated to ` 25855crore.

v Agriculture advances stood at ` 9665 crore.

v Education loan portfolio reached ` 760 crore,covering 38,013 students, a growth of 13%.

v Advances to MSME segments recorded a healthygrowth of 23.80% to reach ` 13115 crore.

v Advances to weaker sections increased by 29.26%to ` 7214 crore

v Advances to women beneficiaries registered agrowth of 12.06% to reach ` 5072 crore.

Financial Inclusion

v The Bank has covered all the 378 allotted villageshaving population of above 2000 with 89 branchesand 289 Business Correspondents/Ultra SmallBranches.

v The Bank covered 2240 villages with below 2000population through 32 branches, 457 BCAs and 20offsite ATMs.

v The Bank is actively participating in the DirectBenefit Transfer (DBT) programme of theGovernment of India.

Delivery Channels

v The Bank’s total Delivery Channels crossed the3000 mark with 1512 branches and 1528 ATMs

v The Bank opened 1 GeNext Branch, 4 HNI branchesand 3 all women branches during 2013-14.

InfoTech Progress

v The Bank introduced technology services such asV-e-passbook+ and Missed Call service to itscustomers.

v The debit card base of the Bank increased to 32.20lakh as at March 2014 from 24.60 lakh last year.

Capital Adequacy

v Capital to Risk Weighted Assets ratio (CRAR) ofBasel II stood at 10.97% and Basel III stood at10.56% vis-à-vis the Reserve Bank of India normof 9%.

v Tier-I Capital Adequacy Ratio worked out to 8.3%(Basel-II) and 8.12 (Basel-III) whereas the Tier –IICapital Adequacy Ratio were 2.67% (Basel-II) and2.44(Basel-III).

118

PERFORMANCE AT A GLANCE

(` in crore)

KEY PARAMETERS 2011-12 2012-13 2013-14

No. of Branches 1300 1359 1512

No. of ATMs 750 874 1528

Reserves & Surplus 3557 3863 5029

Gross Profit 1230 1122 1104

Net Profit 581 586 416

Total Deposits 83056 97017 124296

% growth 13.39 16.81 28.12

CASA Deposits 18288 20336 22860

% to Aggregate Deposit 22.02 20.54 18.44

Gross Credit 58671 70514 82425

% growth 19.20 20.19 16.89

Total Business 141727 167531 206721

% growth 15.72 18.21 23.40

Gross NPA 1718 1533 1986

(%) 2.93 2.17 2.41

Net NPA 998 910 1262

(%) 1.72 1.30 1.55

Investments 28644 31285 42585

Advances to Priority Sector 16700 19505 25855

% to ANBC 33.87 33.23 35.55

Total Staff 11838 12601 12822

Business per Employee 12.31 13.87 16.74

KEY RATIO (%)

Cost of Deposits 7.68 8.07 7.98

Yield on Advances 11.73 11.54 11.26

Net Interest Margin 2.47 2.13 2.02

Return on Assets 0.66 0.59 0.35

Capital Adequacy Ratio % (Basel II) 13.06 11.32 10.97

Capital Adequacy Ratio % (Basel III) NA NA 10.56

119

It is my pleasure to share with you a review of activitiesand the highlights of the performance of our Bank for thefinancial year 2013-14.

2013-14 was relatively a good year for the globaleconomy. After a marked down turn over the past fewyears, global economic and financial conditions generallyimproved, especially during the second half of 2013.However, during FY 2013-14, both the Indian economyand the banking sector faced several challenges. India’sGDP growth in 2013-14 has moderated sequentially overthe quarters mainly as a cumulative impact of globaluncertainties, past monetary policy tightening and weakinvestment demand. GDP growth for FY 2013-14 wasestimated at 4.9% compared to 4.5% in FY2012-13.However, on the positive side, headline inflation hastrended down to reach 5.70% in March 2014.

Indian banking sector had to face a number of challengesduring FY 2013-14 as a result of subdued economicactivity. The credit and deposit growth of SCBs showedmoderate growth and lagged behind the indicativeprojection of RBI. Aggregate deposits of ScheduledCommercial Banks grew by 15% Y-o-Y in 2013-14 andbank credit grew by 14%. The Credit-Deposit (CD) ratioof SCBs stood at 77.69% as at end March 2014.Slowdown in loan growth weighted on the Net InterestMargins (NIMs) of banks. The slowdown in the economyhas resulted in deterioration in asset quality andprofitability of many banks.

Banks in India are expected to play a vital role in theeconomic revival and to promote growth and developmentacross the broad spectrum of economic activities. ForVijaya Bank, the main challenges in FY 2013-14 were tostay competitive in a challenging business environmentand to capitalize on its strengths to grow faster andstronger. Over the course of the year, the Bank focusedon its strengths, continuing to develop products andservices and expanding delivery channels to meet thecustomer’s needs and maintain our reputation as apremier nationalized bank in India. Vijaya Bank’sperformance in FY 2013-14 was broadly in line with theseexpectations.

Against this background, I would like to place beforeyou the highlights of the Bank’s performance during theyear 2013-14.

Vijaya Bank responded to the challenging economicenvironment by maintaining its conservative businesssetting. For the Bank, 2013-14 was a year of reckoningand crossing milestones as the Bank crossed threesignificant milestones during the year. First, our aggregatebusiness level has crossed 2 lakh crore mark, second,aggregate deposits crossed 1 lakh crore mark and third,the Bank’s branch network crossed the 1500 mark. Duringthe year, the Bank has taken several initiatives to furtherstrengthen its business portfolio, to improve presenceacross geographies and to increase the clientele base.

Continued buoyancy in core business operations andefficient management of costs helped the Bank to sustainand enhance the topline earnings while maintaining astronger bottomline. Net profit for the year ended March2014 stood at 416 crore. Net profit for the year is aftermaking all necessary provisions to the tune of` 688 crore.

Total Business of the Bank grew by 23.4% to reach` 206721 crore as at March 2014. The Bank has added` 39000 crore to the total business during the year. Totaldeposits of the Bank reached Rs.124296 crore, a Y-o-Ygrowth of 28.1%. The Bulk deposits/CDs in total depositsbrought down from 22.3% in March 2013 to 15% in March2014. Retail term deposits grew by 15% to reach 43106crore. CASA deposits grew by 12.4% in FY 2013-14 toreach ` 22860 crore. The share of CASA deposits inaggregate deposits stood at 18.44% in March 2014.

The Bank's credit portfolio increased to ` 82425 crorewith a Y-o-Y growth of 16.9% with the credit-deposit ratioat 66.31%. The Bank’s diversified credit portfolio includesall productive segments of the economy like agriculture,industry, Micro Small and Medium Enterprises (MSMEs),exposure to corporate and infrastructure segments, tinysector and retail credit.

On the Priority Sector front, total Priority SectorAdvances have aggregated to 25855 crore as at March2014. The Priority Sector advances constituted 35.55%of Adjusted Net Bank Credit (ANBC). AgriculturalAdvances of the Bank stood at ` 9665 crore. Educationloan portfolio reached ` 760 crore. Loans to WeakerSections increased by 29.26% to 7214 crore and loansto women beneficiaries registered a growth of 12.06% toreach ` 5072 crore.

MESSAGE FROM THE CHAIRMAN & MANAGING DIRECTOR TO SHAREHOLDERS

120

With Micro Small and Medium Enterprises (MSMEs)emerging as the potential growth drivers of the Indianeconomy, our Bank’s MSME portfolio recorded a healthygrowth of 23.8% to reach 13115 crore. The Bank tookseveral measures during the year to expand retail creditand outstanding advances under retail lending portfolioincreased by 16.1% to reach 15617 crore, accountingfor 18.9% of the gross credit.

To address the growing asset quality concerns, the Bankhas laid emphasis on diligent monitoring of the health ofcredit portfolio and recovery of the non-performing assetsportfolio. The Bank ensured a better and efficient NPAmanagement by checking the inflow to NPA segmentand recovery of non-performing assets. The gross NPAlevel of the Bank stood at 1986 crore (` 1533 crore) ata ratio of 2.41% (2.17%) as at March 2014. The netNPA level was ` 1262 crore (` 910 crore) and the netNPA ratio was at 1.55% (1.30%). The Provision CoverageRatio stood at 64.05% as at March 2014.

In tune with the Bank’s strategic focus, delivery channelshave been further expanded to strengthen the Bank’sposition. The Bank added 153 branches in FY 2013-14,taking the total branch network to 1512 branches. As at31st March 2014, the Bank had 1528 ATMs including654 ATMs opened during this year. The Bank has morethan 3040 customer touch points.

Keeping customer convenience at the forefront, the Bankfurther expanded its products and services portfolioduring 2013-14. The Bank launched several attractivedeposit products such as V-Siddhi, a term depositproduct, V-Lakhpati Recurring Deposit Scheme andV-Samruddhi, a specially designed term deposit schemewith defined maturity value and issued at a discount.The Bank also introduced innovative retail creditschemes such as, MSE Vijay, Vijay Kisan Home Loan,Vijaya Mangala and V-Cashew.

In line with the country’s inclusive growth framework,the Bank has been actively pursuing the agenda ofFinancial Inclusion. The Bank’s initiatives in this directionaim at financial empowerment and reaching bankingservices to the rural masses. The Bank has covered allthe 378 allotted villages having population of above 2000

with 89 branches and 289 Business Correspondents/Ultra Small Branches. The Bank also covered 2240villages with below 2000 population through 32 branches,457 BCAs and 20 Offsite ATMs.

The Bank has developed sound risk managementarchitecture to ensure sustainable and consistent growthand to attain global best practices for effectiveimplementation of risk management initiatives consistentwith the Basel frameworks and RBI guidelines. TheBank’s technology initiatives have also been quitesignificant and rewarding and playing a dominant role indriving down costs, building efficiency and working asan enabler in achieving business growth and excellencein customer service.

For the financial year 2014-15, we have envisaged abusiness growth of 18.5% Y-o-Y. We propose to increasethe branch strength to 1700 and to substantially increasethe number of ATMs. We will continue the retail centricfocus in our business mix so as to ensure a profitablegrowth trajectory. On the asset quality front, our corporategoal is to progressively bring down gross non-performingassets, amount-wise and percentage-wise and alsoimprove the coverage ratio.

The Bank will benefit from the expected improvement incorporate business sentiments and in domestic economicenvironment. The Bank will continue to grow its businesssustainably and the Bank has a clear growth strategy inplace to capitalize on the opportunities. I will remaincommitted to attain our objectives for the coming year.With your continued support and patronage, I amconfident that our Bank would reach greater heights duringthe current year.

I sincerely thank all valued shareholders for yourcontinuous support and trust.

With Best Wishes

Yours Sincerely,

V. KANNANChairman & Managing Director

121

The Notice of the 14th Annual General Meeting including the e-Votingprocedure is being sent to the Shareholders separately

VIJAYA BANK HEAD OFFICE: BENGALURU - 560 001

NOTICE

122

The Board of Directors have pleasure in presenting the34th Annual Report of the Bank along with the AuditedBalance Sheet as on March 31, 2014 and the Profit andLoss Account for the year ended March 31, 2014.

Management Discussion and Analysis:

Economic Scenario

After a marked down turn over the past few years, globaleconomic and financial conditions generally improvedduring the second half of 2013. The major features of theglobal economy in 2013 were the continued structuralshift of global balance of economic power from thedeveloped world towards the emerging world and thecyclical climb up of a prolonged recession.

According to International Monetary Fund (IMF), globaleconomy witnessed a moderate growth of 3.0% in 2013,as compared with 3.2% in 2012. While advancedeconomies grew by 1.3% in 2013 compared to 1.4% in2012, emerging economies grew by 4.7% in 2013compared to 5% in 2012.

India’s GDP growth in 2013-14 has moderatedsubstantially as a cumulative impact of globaluncertainties, monetary policy tightening and weakinvestment demand. The growth slowdown was broad-based reflecting moderation in the services andagriculture sectors, and contraction in the industrialsector. As per the advanced estimates released by theCentral Statistical Organization (CSO), GDP growth forFY14 was estimated at 4.9% compared to 4.5% in FY13.Risks to growth have increased from lower global tradeand domestic supply bottlenecks. Agriculture, Industryand Services sectors showed signs of moderation in2013-14.

Inflation, as measured by the consumer price index (CPI)and the wholesale price index (WPI), moderated slightlyin early 2013-14, but started increasing thereafter.Headline inflation started increasing since May 2013 andstood at elevated levels in 2013-14 driven primarily byfood and fuel prices. However, WPI and CPI inflationshowed a moderating trend since December 2013.Weakening domestic demand and lower food prices werethe major contributory factors to the softening of inflation.WPI inflation started with 4.6%, which was increased to7.5% in November 2013 before declining to 5.70% in

DIRECTORS’ REPORT 2013-14

March 2014. Retail inflation as measured by ConsumerPrice Indices (CPI) also continued to remain elevatedand reached an all time high of 11.2% in November 2013before moderating to 8.31% in March 2014.

India’s export performance showed subdued performancein 2013-14 as a result of the adverse impact of low growthand uncertainties in the global markets. As per theprovisional data released by the Directorate General ofCommercial Intelligence and Statistics (DGCI&S), duringApril-March 2013-14 merchandise exports of Indiaincreased to US $312.34 billion, recording a growth of3.98%.

Trade deficit during April–March 2013-14 was lower thanlast year owing to the adjustment of the rupee exchangerate and disincentives on gold imports. Consequent tolower trade deficit, CAD-GDP ratio declined from 4.9%of GDP in Q1 of FY 14 to 1.2 % of GDP in Q2 of FY14.CAD-GDP ratio for FY 2013-14 estimated at around 2%compared to 5.1% during FY 2012-13.

The financial markets in India responded to the overalldevelopments witnessed in the global and domesticfront. Spillovers from global financial marketuncertainties and waning investor confidence keptdomestic currency and equity markets under pressure.The rupee depreciated by nearly 17% during the firsthalf of 2013-14, before staging some recovery in October2013. The Indian Rupee ended at 59.91 against the USDollar at the end of March 2014. Equity marketsremained range bound during 2013-14.

Money supply (M3), which was 12.4% at the beginningof the financial year 2013-14, increased during the courseof the year to 13.5% by end-March 2014 as a result offaster pace of deposit mobilisation backed by large flowof FCNR (B) deposits.

Fiscal Deficit during 2013-14 is estimated at 4.6% GDP.

Banking Scenario

The banking sector in India remained healthy and resilientduring 2013-14. However, the slowdown in macroeconomy has resulted in marked deterioration in assetquality of banks. Lower credit growth and higherprovisioning on account of weakening credit qualityimpacted the profitability of banks.

123

Monetary policy in 2013-14 has sought to balance growthinflation dynamics through a combination of liquiditytightening measures and policy rate changes. The RBIeased policy rates in early May 2013 but undertookexceptional liquidity tightening measures since July 2013to address macro-financial risks from exchange ratevolatility. Liquidity conditions were tightened considerablytill the exchange rates were stabilized. The RBI increasedrepo rate by 75 bps in 2013-14.

Scheduled Commercial Bank’s credit witnessed highergrowth in 2013-14 as a result of steady growth in creditto services, personal loans, and credit to agriculture.Overall, SCBs credit growth was 14% during FY 2013-14 compared to 13.6% during FY 2012-13. Aggregatedeposits of Scheduled Commercial Banks registered aY-o-Y growth of 15% during FY 2013-14.

Outlook

Global growth prospects are moderately strengtheningsince the second half of 2013, but downside risks remainelevated. The International Monetary Fund, in its latestWorld Economic Outlook, projected global growth at 3.6%for 2014 and 3.9% for 2015. Emerging and DevelopingEconomies will continue to lead global growth.

India’s GDP growth is expected to improve in 2014-15 inview of the improving domestic economic environmentand the expansionary monetary policy stance.Improvement in saving and investment rate, favourablefinancial market conditions, higher capital flows,moderating inflation and positive business outlook wouldhelp the economy to broad base the growth momentum.On the domestic front the major challenges in 2014-15will be to address the issues of high fiscal and currentaccount deficits, low industrial growth, lower exportgrowth and anchoring inflation expectations.Notwithstanding the concerns, Indian economy wouldremain one of the fastest growing economies in the world.

Indian Banking sector is expected to perform well in2014-15 in view of the positive domestic outlook andfavourable policy environment.

PERFORMANCE HIGHLIGHTS OF THE BANKDURING THE YEAR 2013-14

Capital, Reserves & Networth

The Authorized Capital of the Bank at present is 3000Crore divided into 300 Crore shares of ` 10 each. Atpresent, Government of India holds 74.06% Equity ShareCapital of the Bank. The total paid up (Equity Share)capital of the Bank is ` 859.12 crore.

During 2013-14, Bank added ` 1165.69 crore in toReserves & surplus and the total Reserves and surplusis 5028.80 crore. The Networth of the Bank increasedfrom ` 4081.49 crore to ` 5638.93 crore this year.

Working Results

Net profit for the year 2013-14 is 416 crore as comparedto 586 crore for 2012-13. On the deposit front, averagecost of deposits decreased from 8.07% in 2012-13 to7.98 % in 2013-14. Yield on advances for 2013-14 is11.26% as against 11.54% for the previous year.

The trends in financial results of the Bank are highlightedin the tables below:

(` in crore)

Sl. Item 2012-13 2013-14 AnnualNo. increase (%)

1. Interest Income 9052 10707 18.27

2. Interest Expenditure 7174 8623 20.20

3. Net Interest Income (1-2) 1878 2084 10.97

4. Non-Interest Income 607 710 16.97

i. Profit on sale of investments 113 190 68.14

ii. Other non-interest income 494 520 5.26 5. Net Total Income (3+4) 2485 2794 12.43

6. Operating Expense 1363 1690 23.99

i. Staff Expenses 849 1040 22.50

ii. Other Operating Expenses 514 650 26.46

7. Operating Profit 1122 1104 -1.60

8. Operating Profit (excl. Treasury profit) 1009 914 -9.42

9. Provisions and Contingencies 536 688 28.3610. Net Profit 586 416 -28.89

124

Important Profitability RatiosSl. Item 2012-13 2013-14No. (%) (%)1 Yield on funds 9.27 9.08

2 Cost of funds 7.35 7.31

3 Interest spread (1-2) 1.92 1.77

4 Yield on advances 11.54 11.26

5 Cost of deposits 8.07 7.98

6 Yield on investments (including RIDF)- excluding Trading Profit 7.10 7.22- including Trading Profit 7.47 7.75

7 Other operating expenses to Averageworking funds 0.53 0.55

8 Cost-Income Ratio 54.85 60.49

9 Establishment cost to average working funds 0.87 0.88

Dividend

Taking into consideration the overall profitability, theBoard of Directors has recommended a final dividend of` 1.00 per share (10%), [in addition to interim dividendof 1.00 per share (10%) declared during January 2014]for the year 2013-14. The total amount of equity dividendincluding dividend tax for 2013-14 is ` 165.38 crore.

Deposit Mobilization

Total deposits of the Bank increased from 97017 croreto ` 124296 crore, recording an annual growth rate of28.12%. CASA deposits recorded a 12.41% growth,accounting for 18.44% in aggregate deposits. CASAdeposit growth was driven by 12% growth in SB deposits,to reach ` 16978 crore during the year. The averageaggregate deposits stood at ` 104437 crore during2013-14, compared to 84804.14 crore during 2012-13.

Employees Productivity

Business per employee as of March 2014 is ` 16.74crore against 13.87 crore for the financial year endingMarch 2013. Profit per employee of the Bank as of March2014 is 0.03 crore against 0.05 crore for the financialyear ending March 2013.

Branch Network

With the opening of 153 branches during the year2013-14, the network of branches reached the level of1512 from 1359 during the previous fiscal. There are 46Extension Counters and 2 Satellite Offices at the end ofthe year 2013-14.

Retail Credit

Retail Lending is viewed as a viable business propositionand continue to be the thrust area for credit expansionin view of its inherent advantages such as risk spread,better yield and large volume credit buildup.

The Bank has disbursed 8920 crores under Retail creditduring the year & the amount outstanding as at March2014 stood at ` 15617 crores, recording an Y-o-Y of16.14%. The Retail Credit Portfolio accounted for18.90% of the Bank's Gross Credit.

The Balance outstanding under Housing loan, Educationloan, Vehicle loan & Jewel Loan schemes, as on31st March 2014, are 5392 crore, 760 crores, 2212Crores and ` 3265 crore respectively.

During the year, Bank launched special campaigns like‘Summer Bonanza’ ‘Grand Festival Bonanza’ etc.offering attractive benefits to customers.

Bank is continuously striving to make the retail lendingproducts more competitive in the market by revampingthe existing products. Bank also came out with new tailormade product ‘Vijaya Kisan Home Loan’ catering to thehousing need of farming community.

Bank has also launched Vijaya Mangala, a personal loanproduct exclusively for Women and MSE Vijay to caterthe needs of Micro and Small Enterprises.

Credit Expansion

The Gross Credit of the Bank registered a growthof 16.89% from ` 70513.53 crore on 31.03.2013 to` 82424.75 crore on 31.03.2014. Considering theeconomic down trend the Bank had been selective inthe approval of big ticket credit proposal.

The Bank has put in place an efficient due diligencemechanism for screening of credit proposals and followingthe guidelines in this regard from Department of Financial

125

Services and Reserve Bank of India. In terms of extantguidelines from Ministry of Finance, the Bank hasadopted committee approach for credit approvals atRegional Office and Head Office levels. The committeesmeet as frequently as possible to reduce turnaroundtime for credit decisions. The Bank has continued withits strategy to recruit professionals from CA/ICWA/CS/MBA for ensuring good standard credit processing .

Bank’s Credit Department is accredited with ISO/IEC27001:2005 certification for information securitymanagement system by British Standard Institute (BSI).

Large & Mid Corporate

The Large Corporate segment constituted 43.94 % sharein total domestic advances as on 31.03.2014. In orderto have more focused attention and to reduce turnaroundtime, 8 specialised Corporate Banking Branches havebeen functioning at different geographically locations.Apart from Corp. Banking Branches, 3 Industrial financebranches are catering all corporate needs of thecustomers including financing for infra/non infra projects.In addition, the Bank has SME branches spread acrossthe country, catering to the needs of mid-corporate andSME clients including their cash management, forex,treasury products, trade finance, deposits, retail bankingetc.

Bank’s Corporate/SME/IFB Banking Division offers anarray of loan products and services, such as Term Loans,Demand Loans, Corporate Loan, Short-Term Loans,Working Capital Facilities(FB+NFB), Trade FinanceProducts, Bridge Loans, Syndicated Loans,Infrastructure Loans, Foreign Currency Loans, LoanAgainst Future Rent Receivables and many more to itscorporate clients depending upon their needs. Over theyears, Bank has made significant progress inestablishing healthy business relations with severalmultinationals, domestic business houses and primepublic sector companies.

Infrastructure Finance

During the year, the Bank has sanctioned fund basedlimits of ` 8096 crore and Non Fund Based limits of` 254 crore under infrastructure category covering power,telecommunications, ports, roads etc. Our exposure toinfrastructure sector is 25.85 % of gross advances andis well within the prescribed sectoral exposure cap.

Project Finance and Syndication Group

The Bank has commenced Project Finance andSyndication Cell at its Head Office, Bengaluru. Thefunctions of the Cell include preparation of ProjectInformation Memorandum, arranging for TechnoEconomic Viability Study of the projects and Syndicationfor credit requirements of the entrepreneurs. TheSyndication Cell is well equipped with good manpowerincluding senior executives and qualified professionals.

TREASURY AND INTERNATIONAL OPERATIONS

Investment and Fund Management

Total Investment portfolio of the Bank increased from` 31,504.02 crore (SLR Investment: ` 26,064.87crore & Non-SLR Investment: ` 5,439.15 crore) as onMarch 31, 2013 to ` 42833.78 crore (SLR investment:` 33319.60 crore & Non-SLR Investment: ` 9514.18crore) as on March 31, 2014.

The 10 year benchmark yield closed at 8.81% as onMarch 31, 2014 against 7.96% as on March 31, 2013.

The average yield on investment (Including profit on saleof Investments and RIDF) during the year worked out to7.75% as against 7.47% in FY 2012-13.

The Bank also complied with CRR and SLR requirementsas stipulated by RBI consistently during the year.

International Banking

Bank’s export credit as at 31.03.2014 registered a Y-o-Ygrowth of 12.25% and stood at 1269.38 crore. Out of theabove, quantum of export credit extended by the Bank inforeign currency was USD 31.24 million. As at March 2014,foreign exchange business turnover of the Bank stood at` 21065 crore, recording an annualized growth of 42.91%over the previous financial year.

Bank has operationalised Centralized Forex ProcessingCell (CFPC) at Head Office to process all the forex relatedtransactions of our designated branches. Bank has alsosuccessfully implemented on-line submission project ofXOS to RBI.

Bank’s total NRI deposits as at 31.03.2014 stood at` 2398.57 crore, as against ` 1839.12 crore as at theend of previous financial year, thereby recording a growth

126

of 30.42%. During the financial year, the Bank hasextended ‘Speed/Flash Remittance’ facility to UAEExchange Centre LLC, Al Ansari Exchange UAE, WallStreet Exchange, UAE and Al Bader Exchange, UAE toenable the NRIs from Gulf Countries to electronically remitfunds to their account with our branches anywhere inIndia. In addition to the above, the Bank also has RupeeDrawing Arrangement (RDA) with Oman United CompanyLLC, Oman to facilitate rupee remittances to the accountsin India. The Bank has set up a NRI Customer Cell atHead Office, Bengaluru exclusively for responding to thequeries of our NRI customers. The Bank has alsolaunched Vijaya NRI Digest, a fortnightly e-newslettercovering area of interest to NRIs.

Export & Import Credit

The Bank is active in meeting the importers and exporterclients’ financial requirements both in domestic and inforeign currency. Bank’s 47 branches across the countryare designated to handle foreign exchange business.

ASSET QUALITY

The Bank continued its focus on maintaining quality assetsalong with thrust on preventing fresh slippages. It initiatedand continued to emphasize various measures in thisdirection, including the following:

• Accounts showing signs of stress/likely default indues are identified and treated as Special Mentionaccounts and are closely monitored. Whereverfeasible, such assets are restructured, withadditional need-based credit limits considered indeserving cases, to prevent fresh slippages. A SickUnit Rehabilitation Cell is formed to exclusivelyconcentrate on the nursing programme of all sickviable MSME units both at Head Office andRegional Offices.

• Special Recovery Cells are formed at RO's forsystematic follow up of NPA accounts. Centreswherever DRT's are functioning, Nodal Officers aredesignated, who keeps regular liaison with thepresiding officer and the Bank’s advocate forspeedy disposal of the cases.

• The services of retired officials of our Bank/PublicSector banks/Public Sector Entreprise/GovernmentDepartments are also engaged for recovery of thedues of the bank as per the latest policy of theBank.

• In case of willful defaulters, stringent recoverymeasures, including legal actions like Securitizationand submitting the names to RBI are done.

• Services of Lok Adalats / DRT Adalats are resortedfor speedy recoveries of impaired assets.

• To facilitate speedy recovery, ‘Vijaya Adalats’ underthe Recovery Policy of the Bank are regularlyconducted at various centres by involving a clusterof branches and accounts are settled on the spot.During the year, Bank could settle ` 90.92 crorein 6058 accounts by way of settlements till31.03.2014.

• A special One Time Settlement Scheme for smallborrowers with liabilities up to ` 5 lacs withliberalized terms was introduced during 2013-14which was in force till 31.03.2014.

• A special One Time Settlement Scheme for chronictractor loan NPAs was introduced during the yearand the same was in force upto 31.03.2014.

The gross Non-Performing Assets of the Bank ason March 2014 stood at 2.41% of total advances,while net NPA ratio was 1.55% of net advances.During the year 2013-14, Bank could effect total cashrecovery of ` 704.13 crore (including interest) andupgraded NPAs amounting to 989.15 crore. Further,the Bank also made provision of 567.21 crore forthe unexpected defaults, apart from having a floatingprovision of ` 142.71 crore as on March 31, 2014.The Provision Coverage Ratio (including PWO) asat March 2014 worked out to 64.05%.

RISK MANAGEMENT

Credit Risk:

Lending Policy as well as Credit Risk ManagementPolicy of the Bank are being revised from time to time,to include aspects such as risk appetite, risk basedpricing, risk diversification/mitigation strategy, prudentiallimit, substantial exposure ceiling, preferred sector growthstrategies, credit approval process, documentation andsecurity standards, security valuation etc., in tune withthe corporate goal and plan of the Bank.

Stress Test on Credit Risk by subjecting the creditportfolio to stress like downgrade in the rating, higher

127

provisioning requirement, slippage in asset status, etcis carried out on annual basis, in terms of the StressTest Policy of the Bank.

The Bank has put in place a comprehensive risk rating/scoring system that serves as a single point indicator ofdiverse risk factors on the counterparty and for takingcredit decision in a consistent manner. A separate riskscoring models for Housing and other Retail sectors hasalso been evolved and put in place so as to ensure highercoverage of risk rating exercise. Migration analysis isalso carried out on half yearly basis in respect ofexposures of ` 1.00 crore and above. From Sept 09,2013, Bank has introduced a Credit Risk rating softwarewhich is Basel II compliant procured from CRISIL forconducting risk rating of all retail and non retail loans.This software enables the Bank to ensure that all typesof exposures are covered under risk rating beforesanctioning of any loan so as to maintain the credit qualityand also to move towards Basel II advanced approachescompliance.

Asset Liability Management (ALM) and Market Risk:

ALM and Market Risk of the Bank is managed by theAsset Liability Management Committee (ALCO)and Market Risk Management Committee (MRMC)respectively. Appropriate tolerance limits have beenstipulated for mismatches in different time buckets, bothfor managing liquidity and interest rate risks and theseare being monitored at fortnightly intervals and alsoappraised to the Board.

The market risk exposure is measured by tools like VaR(Value at Risk), AGL (Aggregate Gap Limit), and DurationGap Analysis. Exposure limits for all countries have beenput in place to manage and monitor the country risk.Mid-office reports on treasury operations are placedbefore the General Manager, Risk ManagementDepartment on a daily basis and before MRMC on amonthly basis, covering information about exceptions /reviews and compliance.

Interest Rate Risk on entire portfolio is identified andmeasured through Earnings at Risk (EAR). Sensitivityanalysis is also conducted and reviewed by the topmanagement. Contingency Funding Plans, PrudentialRatios/Limits have been set and actual position ismonitored as part of Liquidity Risk Management. StressTest on Interest Rate Risk, Liquidity Risk, Forex, etc on

different scenarios are carried out on quarterly basis andappraised to ALCO. To monitor short term liquidity, theBank is preparing the ALM statement of StructuralLiquidity on daily basis.

The Duration Gap Analysis is implemented for assessingthe possible impact on market value of equity (net worth)using 200 basis points shock on interest rate curve.

The Bank has applied to RBI for seeking permission toimplement Internal Model Approach (Advanced Approach)for Market Risk.

The Funds Transfer Pricing, a new technology on transferpricing mechanism, has been implemented forassessment of branch profitability in a scientific manner.

Operational Risk:

With a view to mitigate Operational Risk, several studieshave been conducted for fraud cases in order to identifysystemic deficiencies from Risk Management angle.These include analysis of major frauds reported underconsortium finance, various VKC, Auto and Housing loanaccounts. Further, to minimize operational risk, varioussuggestions have been implemented for improvement inexisting systems and procedure. For assessment ofOperational Risk, the Bank has been conducting Riskand Control Self-Assessment (RCSA) for critical businessprocesses and identifying Key Risk Indicators (KRI’s)for tracking problem areas in key operations in order toavoid potential future operational losses. The Risk ControlSelf-Assessment (RCSA) and Key Risk Indicators (KRI)are being reviewed annually. Further, RCSA for criticalareas such as Commercial Banking, Treasury Operations,Payment and Settlements, Financial Inclusion wereconducted during the period 2013-14.

The Bank has applied to RBI for seeking approval forimplementation of The Standardized Approach (TSA).

Basel-II & Basel III Compliance:

As the Bank requires corporate clients’ risk rating statusawarded by RBI approved rating agencies, the Bank hasentered into MOU with all the six rating agencies vizCRISIL, ICRA, CARE, Brickwork, SMERA and Fitch sothat borrowers can avail the rating services at acompetitive fee and Bank also benefits on lower capitalcharge depending on the rating status. The Bank hasformulated its ICAAP policy and the same is submittedto RBI on half yearly basis.

128

In compliance to the RBI guidelines and adoptingStandardised Approach for Credit Risk, StandardisedDuration Gap for Market Risk and Basic Indicator Approachfor Operational Risk, Bank has complied with Basel IInorms and the overall Capital Adequacy Ratio as at31st March ‘14 works out to 10.97%, which is above theminimum stipulated norm of 9%. Bank has also compliedwith Basel III norms and the overall Capital AdequacyRatio as at 31st March ‘14 works out to 10.56%, which isabove the minimum stipulated norm of 9%.

Integrated Risk Management System (IRMS) Project:

In order to facilitate smooth and effective compliance tothe Basel-II norms, the Bank has taken up implementationof Integrated Risk Management System (IRMS).

The unique IRMS Project consists of six solutions, viz.Credit Risk Management (CRM), Market RiskManagement (MRM), Operational Risk Management(ORM), Credit Risk Rating Solution (CRR) (Retail & Non-Retail), Asset Liability Management (ALM) and FundsTransfer Pricing (FTP) Solution.

ISO – 27001- Certification for Risk ManagementDepartment

The Risk Management Department of the Bank has beenconferred with prestigious ISO/IEC 27001 Certification.The compliance with the ISO standards wascertified by the British Standards Institution (BSI). Thiscertification is the part of the Bank’s commitment toadopt best practices in security management for system,technology and processes serving Risk ManagementSystems. Bank’s Risk Management Department beingISO/IEC -27001 certified is committed to systematicallyevaluate information security risks, taking into accountthe impact of threats and vulnerabilities from InformationSecurity angle.

Capital Adequacy

The capital adequacy ratio stood at 10.97% under BaselII and 10.56% under Basel III as on 31.03.2014 vis-à-vis the Reserve Bank of India norm of 9%. As on31.03.2014, the Tier I capital of the Bank is ` 5638.93crore under Basel II and ` 5517.65 crore under BaselIII. The Tier II capital stood at ` 1816.07 crore underBasel II and ` 1653.29 crore under Basel III.

NATIONAL PRIORITY

Priority Sector Lending

Total Priority Sector advances of the Bank stood at` 25855 crore as at the end of March 2014. PrioritySector Credit of the Bank constitutes 35.55% of theAdjusted Net Bank Credit.

Agricultural Finance

Direct Agricultural advances of the Bank as at March2014 stood at 6392 crore. Total Agricultural advancesstood at ` 9665 Crore which formed 13.29 % of theAdjusted Net Bank Credit.

During the year, Bank has rolled out a new Pledge loanScheme for farmers against Warehouse Receipt issuedby Ware Houses registered with WarehouseDevelopment & Regulatory Authority (WDRA) and finetuned Vijaya Planters Card Scheme for coffee growers.Bank has put in place web based application for filingand tracking of agricultural loans through which thecustomers can apply online for any type of Agriculturalcredit by logging on to our website.

Disbursements to Agriculture:

Under Special Agricultural Credit Plan, Bank hasdisbursed 6695 crore during the year 2013-14, therebyachieving the target of ` 6634 crore.

Kisan Credit Card Scheme:

In terms of the guidelines of RBI/GOI, the Bank hasrevised Vijaya Kisan Card (VKC) scheme. The revisedVKC scheme has provision for both production credit(Short term crop loans) and Investment Credit (Termloans). The validity of the card has been extended to5 years and the beneficiaries are issued with ATMenabled Kisan cards.

Under Vijaya Kisan Card Scheme (VKC), during 2013-14, the Bank has issued 67192 Kisan Cards amountingto ` 765 crore. The Outstanding level of VKCs stood at` 1593 crore through 127477 accounts as at 31.03.2014.The Bank’s Kisan Cards are now ATM enabled underRUPAY platform and out of 88598 operative VKC A/cs,81716 farmers have been so far issued with ATM enabledKisan cards.

129

Vijaya Krishi Vikas Kendra (VKVK):

Vijaya Krishi Vikas Kendras (VKVK), headed by ChiefManagers have been set up during the FY 2013-14 inSangli (Pune Region) and Bagalkot (Hubli Region) tofocus exclusively on high value/Hi-tech Agriculturalprojects through a cluster of branches in those centres.

Financing Micro, Small & Medium Enterprises(MSME):

The advances to Micro and Small Enterprises increasedto 10691 crore as at March 2014 from ` 8716 crore asat March 2013, signifying Y-o-Y growth of 22.66 %.

The advances to Micro, Small and Medium Enterprisesincreased to ` 13115 crore as at March 2014 from` 10594 crore as at March 2013, signifying Y-o-Y growthof 23.80%.

Bank has come out with new tailor made product ‘MSE-Vijay’ exclusively for MSE customers under CGTMSEScheme and ‘V-Cashew’ to cater to Cashew industry.

Online registration of MSME loan applications andtracking system is in place for speedy disposal ofproposals under MSME. Further, MSME loan borrowersare also getting acknowledgement through SMS alertsas soon as they apply online.

Advances to Weaker Sections:

As at March 2014, the outstanding weaker sectionadvances of the Bank stood at ` 7214 crore, whichconstitutes 9.92% of the ANBC against the norm of 10%.The Weaker Section advances grew by ` 1633 crore,registering a growth of 29.26 % over March 2013.

Self Help Groups (SHGs)/Joint Liability Group (JLGs)/Micro Finance Institutions (MFIs):

Bank has accorded top priority to lending to SHGs/JLGs/MFIs. While the Bank has disbursed ` 368 crore toSHGs/JLGs/MFIS, the outstanding level of advancesto this segment stood at ` 719 crore as at 31.03.2014.

Bank is actively participating in the National RuralLivelihood Mission (NRLM) Scheme launched by Govt.of India by replacing the existing SGSY Scheme.

Credit to Women Beneficiaries:

Advances to Women beneficiaries stood at 5072 croreas at March 2014 as against ` 4526 crore as at March2013, registering a growth of 12.06%. Against thestipulated benchmark level of 5% of Adjusted Net BankCredit (ANBC), the Bank’s achievement stood at 6.97%.

Lead Bank Scheme:

Our Bank is having Lead Bank responsibility in threedistricts i.e. in Mandya, Dharwad and Haveri districts ofKarnataka State. The Lead District Managers of all thethree districts have been coordinating with all the bankbranches in the concerned Districts to ensureachievement of targets under Annual Credit Plan, Govtsponsored schemes, Financial Inclusion, Direct BenefitTransfer Scheme etc. In these three Districts, total creditshare of our Bank through Annual Credit Plan is ` 613crore against the target of 623 crore as at March 2014.

Lending under Government Sponsored Schemes:

Implementation of Government sponsored schemesreceives the utmost attention of the Bank. The Bank’slending under various Government sponsored schemesis furnished below:

(` in crore)

Sl. Schemes No of Loan amount outstandingNo. beneficiaries as at March 2014

1. PMEGP 7093 89.95

2. SGSY 1540 9.08

3. SJSRY 4058 24.12

4. NRLM 4247 89.60

Advances to SC / STs:

Total advances to SC / STs stood at `1125 crore as atMarch 2014, against ` 1015 crore as at March 2013,with a growth of 10.84%. The interest rates on all loansup to ` 5 lakhs coming under Priority Sector & Retailloans extended to SC/STs is reduced by 1%.

Credit to Minority Communities:

Advances to Minority Communities stood at 3143 croreas at March 2014, constituting 12.16% of total prioritysector advances.

130

VIBSETIs (Vijaya Bank Self-Employment TrainingInstitutes):

The Bank has established Vijaya Bank Self EmploymentTraining Institutes [VIBSETIs] in Mandya and Haveri ofKarnataka state and in Indore of Madhya Pradesh. TheInstitutes have been conducting various vocationaltraining/skill upgradation/awareness programmes/Entrepreneur Development Programmes etc. During theyear 2013-14, VIBSETIs have conducted 125programmes and trained 3416 beneficiaries. Sinceinception, totally 1145 programmes have beenconducted, training 41469 beneficiaries with an overallsettlement rate of 73%.

VIBSETIs at Mandya & Haveri have been graded “AA”and VIBSETI Indore has been graded “A” for the year2012-13 by Ministry of Rural Development (MoRD).VIBSETI, Mandya has emerged as one of the topperforming Institutes in the country based on overallperformance and has been awarded Certificate ofExcellence by MoRD.

Vijaya Rural Development Foundation (VRDF):

With a view to focus the attention of rural masses onthe need to modernize agricultural practices, for upgradation of skills and knowledge in various venturesand for achieving all-round socio-economicdevelopment, Vijaya Rural Development Foundation(VRDF) was promoted by our Bank in the year 1990 atMangalore. VRDF is conducting various activities liketraining /awareness programmes, covering a wide rangeof subjects, through the Village Development Councils(VDC). At present 32 such VDCs are functioning underVRDF. During the year, VRDF has conducted 157programmes benefiting 7996 persons. Free health campshave also been organized for the benefit of rural poor.The Foundation has also granted scholarships to poormeritorious students hailing from villages and studyingin government schools. The Foundation has expandedits activities to other districts like Haveri, Dharwad andMandya, where the Bank has Lead Bank Responsibility.

Visit of Parliamentary Committee:

1. Parliamentary committee on Govt. assurances,Rajya Sabha visited on 09.07.2013 and discussedabout Agriculture Debt Waiver & Debt ReliefScheme 2008 & liberal lending by Banks.

2. Parliamentary committee on welfare of SC/STsvisited the Bank on 28.10.2013 and discussed

about Organisational set-up and reservation inservices & credit facilities extended for ScheduledCastes/Tribes in our Bank.

3. The Department related Parliamentary Committeeon Industry visited on 11.01.2014 and discussedthe various issues pertaining to credit flow to MSMEof our Bank.

Education Loan

The Bank has provided utmost importance to educationloan as it views this as an investment in human capital.During the year, the portfolio grew by 89 crore in absoluteterms from a level of ` 671 crore as on 31.03.2013 toreach a level of ` 760 crore as on 31.03.2014.

The Bank has taken several initiatives during the yearto improve education loan portfolio. MoU was enteredinto with several reputed educational institutions/colleges/universities for extending education loans. Bankparticipated in several expos and conducted campsduring admission season to bring out the awarenessamongst student community about the availability ofeducation loan facility.

Financial Inclusion:

Our Bank has been allotted with 378 villages with above2000 population on a pan India basis. We have providedbanking facilities to these villages before the target dateof 31.03.2012 through 89 Branches and 289 Businesscorrespondent Agents ( BCAs).

During the year 2013-14, we have covered 2240 villagesof below 2000 population through 32 branches, 457Business Correspondent Agents(BCAs)/ Village LevelEntrepreneurs(VLEs) and 20 ATMs.

Bank has engaged totally 789 BCAs to cover both the aboveand below 2000 population villages allotted to the bank.

Bank has floated Jnana Jyothi Literacy & CreditCounseling Trust (JJFLCCT), jointly with Syndicate Bankto set up and manage Financial Literacy Centers (FLCs)at District and Taluk level. During the year 2013-14, theBank has opened 5 Taluk level FLCs, taking the totalnumber of FLCs opened up to March-2014 to 11.

Financial Inclusion Resource Centres (FIRCs) have beenopened in Bank’s Lead Districts.

131

Five Mobile Vans are provided for taking up FinancialLiteracy Campaigns in FI villages and are placed inMandya, Dharwad, Haveri, Udupi and Mangalore and ourrural branches are also conducting Financial Literacycamps in the allotted villages. Financial Literacy is spreadthrough pamphlets, TV scrolls and street plays.

We have conducted “Financial Inclusion RuralOut-reach” programme at Adichunchanagiri inNagamangala Taluk of Mandya District, (our LeadDistrict) on 24.09.2013. Dr. K.C. Charabarty, DeputyGovernor, Reserve Bank of India, Smt. Uma Shankar,Regional Director, Reserve Bank of India,Shri H. S. Upendra Kamath, the then Chairman &Managing Director, Vijaya Bank & Shri K. R. Shenoy,Executive Director, participated in the programme. Theprogramme marked the launch of Micro Insurance andMicro Recurring Deposit Schemes for the FinancialInclusion Villages. 10 girl children were adopted on thisoccasion and loan sanction letters were handed over tothe beneficiaries. More than 2000 rural customers of ourBank participated in the programme. Eleven Ultra Smallbranches (USBs) were upgraded in to Low cost brickand Mortar branches on this occasion in Mandya District.

Bank has opened 10.17 lakhs Basic Savings Bankdeposit accounts having a balance of 97.63 crore andissued a total 3.86 lakh smart cards under FinancialInclusion. We have mobilised 5353 micro RD accountsand enrolled 3608 beneficiaries under micro insurance.

In the Pilot Districts under Electronic Benefit Transfer(EBT) in Karnataka, Bank has issued smart cards tomore than 3.04 lakh beneficiaries of Social SecurityPension (SSP) and Mahatma Gandhi National RuralEmployment Generation Programme (MGNREGP). InMandya District (Karnataka), Bank is disbursing SocialSecurity Pensions to more than one lakh beneficiariesthrough smart cards under “one district one Bank Model”amounting to ` 5.20 crore per month.

Bank is actively participating in the Direct BenefitTransfer (DBT) programme of the Government of Indiaby opening the accounts of the beneficiaries, seedingtheir Aadhaar numbers and mapping the same to NPCI.

Our Bank is one of the Founder Trustees of the KarnatakaFarmers’ Resource Centre (KFRC) set up for impartingtraining to farmers and agricultural labourers at Bagalkot.

Roadmap for 2014-15

We will be covering 293 villages of below 2000 populationas per the Financial Inclusion Plan, through 52 BCAs/VLEs during the year 2014-15. With this, Bank will becovering in all 2911 villages of both above and below2000 population.

Bank will be opening 8 more taluk level FLCs inKarnataka during the year 2014-15 taking up the totalnumber of FLCs to 19.

INFORMATION & TECHNOLOGY

Core Banking Solution and its Progress

The Bank achieved 100% CBS which facilitates serviceslike anywhere banking, Internet Banking, onlinetransactions etc. to its customers. With 100% CBS, theBank has moved closer to offer real time banking facilitiesto its customers. Passbook Kiosk has been implementedin 21 locations. Cash Deposit Kiosk has beenimplemented in 231 locations. Aadhaar Enabled PaymentSystem was implemented for smooth implementation ofGOIs Direct Cash Transfer Project. To minimize thefrauds, bio-metric access for CBS users has beenimplemented at all locations.

The Bank has implemented Integrated Human ResourcesManagement System, Integrated Treasury Managementsystem and Integrated Risk Management system andare integrated with the Core Banking System. ITMSproject has met all the objectives with the setting up aDR setup at Mumbai. HRMS has also met most of theobjectives with the setting up a DR set up at Mumbai.IRMS is expected to be fully implemented by the end ofthis financial year.

ATMs

654 ATMs were operationalised during the year 2013-14,taking the number of ATMs to 1528 as at the end ofMarch 2014. Bank’s customers can also access over1,50,000 ATMs connected under National financial Switch(NFS) across the country. We are one of the few Bankswho have installed ATMs in equal to the number ofbranches as per the directions of Ministry of Finance,Government of India.

Internal Control

The Bank has well documented policies like IT & ISSecurity, Internet Banking Policy, IT Procurement Policy,Internet usage Policy, e-mail policy, Business Continuity

132

Policy, Disaster Recovery Policy, Outsourcing Policyetc. covering wide range of functions at the field andadministrative levels. Adequate controls are also builtin to mitigate the risks associated with each of theactivities. IT policy and IS policy was revised during2013-14. Separate policies have been brought out forIncident management, Vulnerability and penetration testas part of IS Security policy.

Networking

Bank has brought all its branches, extension countersand offices under the corporate WAN and achieved 100%networking of the branches. It has also used the latesttechnologies like MPLS, Radio frequency, CDMA etc.for establishing connectivity.

RTGS & NEFT Services:

The centralized payment systems, viz. Real Time GrossSettlement System (RTGS) and National ElectronicFunds transfer (NEFT), currently provide for only directmembership. It has been decided by the RBI to expandthe sub-membership route to enable all licensed banksto participate in NEFT and RTGS systems. The sub-member/s would participate in the centralized paymentsystems through their sponsor bank which is a directmember of the centralised payment system. Bank hasentered into an agreement with ShimshaSahakara BankNiyamitha, Maddur and LokapavaniMahilaSahakariBank, Mandya for using our RTGS/NEFT services assub-members.

Having brought all branches under Core Banking Solution,RTGS and NEFT services are available to the Bank’scustomers from all its branches. Since STP has beenenabled in RTGS and NEFT, the customers can enjoythe benefit of immediate inter-bank and intra bank fundtransfer facility.

Missed Call Services (FreeBuzz):

Bank is providing missed call services to the customers& enable them to know the account balance and ministatement. The ease of giving missed calls with zerocharges provides a huge advantage to the customers.

V-Fee Hive :

Our in-house software development team has developeda unique application for collection of fees for EducationalInstitutions, collection of monthly maintenance fee by

Apartments and collection of fees by Clubs, etc. It isequipped with unique features like integration of otherpayment channels like debit card, credit card and internetbanking.

V-epassbook+:

Our in-house software development team has developedmobile application for accessing account details / to gettransaction details. The application is loaded withadditional customer friendly features like facility to addnotes to each transaction, facility to maintain variouspersonal account heads and to add pass booktransactions to these accounts on a single click,facilityto add notes to each transaction, etc. A Page with latestofferings and information like interest rate of the bankwith links to reach the website of the Bank and facilityto refer us to a friend is also available in this application.33902 Customers have registered for availing this facilityas on 31.03.2014.

Cheque Truncation system:

As directed by the Reserve Bank of India, the Bank hasimplemented cheque truncation system in Southern andWestern Grid covering all MICR centres and in Northerngrid covering MICR centres of Delhi, Chandigarh, Punjaband Rajasthan states during 2013-14.

Security Operation Center

Setting up of Security Operation Center with SecurityInformation and Event Management Solution (SIEM) &Correlation tool, which will help in analyzing all eventsand detect attack patterns, if any is under progress.Our Bank has been identified as Lead Bank forimplementation of SOC for PSBs as per the new initiativeof GOI under common RFP.

INTERNAL INSPECTION

The Bank has put in place a well-defined Internal AuditPolicy. The Audit Committee of the Board oversees theperformance of audit functions on a regular basis,providing guidance and directions for improvement inthe audit system and internal controls in the Bank.

During the financial year, the Bank has conducted RiskBased Internal Audit (RBIA) of 937 branches out of 1115branches programmed. Upon assessment of Risk rating,53.95 % of these branches have secured “Low Risk”

In addition, inspection of 12 service branches, 15RACPCs, 6 Regional Offices and 10 Head Office

133

Departments was conducted during the year. Besides,1529 branches were programmed for IS Audit and auditof all these programmed branches were completedexcept 346 branches before 31.03.2014.

Bank has covered 83.62% of its business underConcurrent Audit in 419 branches/offices as against RBIstipulation to cover at least 50% of business. Bank ismaking use of Information Technology in its audit systemincluding Risk Based Internal Audit (RBIA) for generatingvarious value added reports.

Know Your Customer (KYC), Anti Money Laundering(AML) and Combating of Financial Terrorism (CFT):

Bank has in place a policy on ‘Know Your Customer’‘Anti Money Laundering’ and ‘Combating of Financing ofTerrorism’ and is being overseen by the KYC Cellconstituted at H.O. and at Regional Offices by adesignated Nodal Officer. The Policy Guidelines werefirst issued in the year 2005 and are being updated fromtime to time.

Necessary instructions have been passed on to the fieldfunctionaries for the implementation of KYC Norms, AMLguidelines and CFT procedures. Further guidelines onthese are being passed on to them, as and wheninstructions are received from RBI, GOI and IBA. Thefield functionaries have been given the required technicalsupport to carry out the policies.

It is ensured that the branches have implementedinstructions of KYC Norms and other guidelines in truespirit. Branches are not opening any new accountwherever it is found to be short of KYC compliance. Asystem support is provided to check the level of KYCcompliance in any account before a cheque book isissued for the same.

Branches are instructed to monitor transactions of largevalue in the accounts consistence with the declaredbusiness. The transactions are being overseen at HeadOffice, by robust AMLock software which throws alertson given parameters for monitoring on Anti MoneyLaundering guidelines. The transactions are monitoredand large value cash transactions are reported to FIU-IND in the monthly CTR. Apart from this, if any transactionis found to be suspicious, irrespective of the amount, isbeing reported to FIU-IND in the form of SuspiciousTransaction Report (STR).Large Value transactions foundin the accounts of Non-Profit Organisations is beingreported through monthly NTR. Any Counterfeit Currencyfound at the branches or currency chests is also beingreported to FIU-IND through monthly CCR.

A system support to check the customers’ names withthat of those, in the UN list of terrorists is made available.This enables branches not to open accounts for terroristsand connected entities.

The ongoing implementation of KYC Norms and AMLguidelines is being checked by the Internal Inspectors,Concurrent Auditors, Vigilance Inspectors and Executiveson their branch visit. Every Regional Office has a NodalOfficer to overlook the implementation at branches andsubmit a monthly certificate confirming implementationof KYC norms. The Top Management is being informedof the compliance periodically.

Offsite Surveillance Cell

In compliance with the guidelines of Govt of India onModel Audit Policy of the Bank, communicated vide theirletter No.F.No./7/112/2011-BOA dated 28/06/2012,OffsiteSurveillance Cell was set up in the Bank. The Cell ismonitoring the exceptional transactions at branches/offices on an ongoing/daily basis and also reviewingManagement Information System (MIS) on critical itemson daily basis to sensitize the controlling offices as wellas branches / departments for corrective action.

Vigilance

The Vigilance Department at Head Office is headed byChief Vigilance Officer of the rank of General Managerwho is on deputation from State Bank of India. TheVigilance Department overseas all vigilance works ofthe Bank as per the guidelines given by Central VigilanceCommission. In addition, Vigilance Department carriesout surprise inspection of branches, concentrating onpreventive vigilance. These are done by field VigilanceOfficers stationed at Regional Offices. All efforts are madeto plug the loopholes in the existing system to preventrecurrence of similar frauds and to strengthen thepreventive vigilance.

Compliance

Board approved Compliance Policy is a requirement underthe extant RBI guidelines and accordingly, the Bank hasadopted Compliance Policy. The Compliance Department,H.O. ensures compliance with various communicationsreceived at Head Office from Govt of India, Reserve Bankof India, IBA and others by sending all suchcommunications to the concerned operationalDepartments for necessary action. The ComplianceDepartment is headed by the Chief Compliance Officerwho is of the Rank of a General Manager.

134

Right to Information Act 2005

Government of India enacted Right to Information Act,2005 which came into force on October 12, 2005. TheAct provides right to every citizen to secure/access toinformation under the control of Public Authorities. Itaims to promote openness, transparency andaccountability in administration and in relation to matterconnected therewith or incidental thereto.

Bank has designated all the Branch Managers asAssistant Public Information Officers, Second lineExecutives of all the 26 Regional Offices as PublicInformation Officers and Regional Head as AppellateAuthorities under the Right to Information Act, 2005. AtHead Office, a Deputy General Manager is designatedas Public Information Officer and a General Manager ofthe Bank as Appellate Authority. Bank as a whole 27offices are provided with Public Information officer andAppellate Authority respectively under Right toinformation Act 2005.

Information sought under the Act is being provided withinthe prescribed time frame. During 2013-14, Bank as awhole has received and disposed of 873 Applicationsand 109 Appeals under the RTI Act 2005.

Housekeeping

Reconciliation with regard to all inter-bank transactionshave been drawn upto 31.03.2014. As against theReserve Bank of India Benchmark of six months forreconciliation of outstanding inter branch entries, wehave no outstanding pending for reconciliation.

Security Arrangement

The Bank has a well established security set up withinthe Bank’s organizational structure with clear cutdelegation of authority and responsibility.

The Department has reviewed and strengthened securityarrangements at all Currency Chests and Bank branches.The Regional Security Officers carryout branchinspection visits at regular intervals to assess thesecurity arrangements in vogue and suggest means forstrengthening these arrangements. The RegionalSecurity Officers maintain close liaison with the lawenforcing agencies. The security arrangements in theBank have been geared up to meet the prevailingsecurity scenario.

Bank security is being strengthened to be more effective,modern and an unobtrusive Security System. Access

Control meassures at all Banks Currency chests hasbeen strengthened in terms of RBI guidelines. A propersystem of regulating access to Currency chest strongrooms and proper records of entry into/exit from the VaultRoom of the chest is being maintained. Biometricaccess control systems have been installed at allcurrency chest of the Bank to strengthen access controlmeasures.

Essential and mandatory security arrangements in termsof RBI/IBA guidelines are provided to almost allbranches. Security Alarm Systems are installed at allbranches and currency chests. Strong room conformingto RBI specification is provided to 1400 branches.

The Bank has a total of 27 (twenty seven) currencychests. Police guards have been provided to26 currency chests. The Bank has outsourced roundthe clock guarding of Bhubaneshwar Chest to a PrivateSecurity Agency sponsored by DGR. Efforts arecontinuing for deployment of Armed Police Guards atBhubaneshwar Currency chest.

Training including firing practice for Armed Guardsdeployed at currency chests/branches is imparted onan annual basis. Security Committees formed atRegional Offices and at Head Office meet periodicallyto review security aspects.

CCTV Surveillance System has been installed at 832branches, CCTV system is being installed in a phasedmanner, all branches will be provided CCTV surveillancesystem by 31.03.2015.

HUMAN RESOURCES DEVELOPMENT

Manpower & Staff Productivity:

The total staff strength of the Bank stood at 12822 inMarch 2014 as compared to 12601 in March 2013. Ofthe total staff, 5947 are Officers, 4357 Clerical Staff,2045 Sub-staff, and 473 Part-time Employees in thesubordinate cadre. The number of women employeesas at the end of March 2014 stood at 3125 consisting of1291 Officers and 1834 Award Staff constituting 24.37%of total employees in the Bank. As at the end of March2014, there were 248 employees belonging toHandicapped Category and 658 employees belongingto Ex-Servicemen Category.

Recruitment:

During the year the Bank has appointed 604 Officers indifferent Grades/Scales and 444 Probationary Clerks.Bank has also appointed 45 armed guards.

135

Promotions:

The promotions effected during the year 2013-2014 arefurnished hereunder:

SI. Promotion Promotion Total No. from to promoted

1 TEGS-VI TEGS-VII 5

2 SMGS-V TEGS-VI 11

3 SMGS-IV SMGS-V 30

4 MMGS-III SMGS-IV 60

5 MMGS-II MMGS-III 241

6 JMGS-I MMGS-II 215

7 Clerical JMGS-I 173

8 Substaff Clerk Underprocess

“Bank introduced the policy on disclosure of APARmarks/ratings and the Appeal procedure from the reviewyear -2012-13”

Training:

The training system in the Bank has been strengthenedby providing additional competent manpower. Thecourses have been redesigned keeping in mind theessential inputs required for the employees to effectivelyhandle the present & future assignments and to performtheir duties and responsibilities effectively in the highlycompetitive tech-based customer-driven bankingenvironment. The Bank is also imparting training to itsemployees through some reputed external traininginstitutions in certain specialized areas like Credit,FOREX, Treasury Management, Risk Management, HR,Marketing, etc. During the financial year, the Bank hasimparted training to 8135 employees constituting 63.44%of the total employees. Out of which, 7383 employeeshad undergone training in the Bank’s own establishmentsand 752 were trained at the reputed external traininginstitutions including some overseas institutions.

SC/ST/OBC Employees:

Out of the total manpower of 12822 as at the end ofMarch-2014, 2468 employees belong to SC category,896 to ST category and 2300 to OBC category.

SC/ST CELL:

SC/ST cell has been functioning at all the 26 RegionalOffices and a Senior Officer belonging to SC/ST isdesignated as Liaison Officer. At Head Office, the Cellis functioning under the control of Chief Liaison Officer .

The grievances of SC/ST employees are looked intoand prompt remedial action is taken. The Chief LiaisonOfficer meets the SC/ST Employees Welfare Associationand their representatives to hear their grievances at HeadOffice and refers the matters if any, to the concerneddepartment at Head Office for redressal. SimilarlyRegional Heads/Liaison Officers are attending to theirgrievances at Regional Office Level.

Further Quarterly meeting of SC/ST representatives withthe Chairman & Managing Director of the Bank are heldregularly in terms of Govt. guidelines. In these meetings,the grievances, if any, pertaining to SC/ST employeesare discussed with the representatives of theSC/ST Welfare Association and sorted out. All therepresentations received are entered in a Registershowing therein the action taken on each representation.The Register is inspected by the Chief Liaison Officerperiodically.

In the similar manner, OBC Cell is also functioningseparately at all the 26 Regional Offices & at Head Officeunder the control of Chief Liaison Officer appointedseparately for OBCs.

Bank is arranging pre-recruitment/ pre-promotion trainingfor SCs/STs & OBC regularly.

Bank is complying with all the Policy Guidelines laiddown by the Govt. of India pertaining to reservation ofposts for SC/ST employees, OBC & Minority employeesincluding Persons with Disability.

Staff Relation:

The pro-active and humanistic approach undertaken bythe Bank has yielded positive results and the Bank isshowing progressive growth consistently with thecollective efforts of the management and employees ofthe Bank. The climate is positive and the same is echoedin the form of exponential growth of the Bank during thefinancial year ending March 2014. The industrial relationsin the Bank have been cordial and harmonious. Therewas no agitation or unrest during the year by theemployees relating to issues pertaining to our Bank. Theconsultative committee meetings and negotiating

136

committee meetings were held with the representativesof the recognized unions at regular intervals to sort outthe grievances of the employees and settle the disputes,if any, amicably and the said meetings are attended bythe top executives of the Bank.

Sports Activities:

Vijaya Bank has been encouraging sports andcontributed generously to sporting activities all over thecountry. The Bank has recruited outstanding sportspersonnel in various disciplines like, Cricket, Basketballand Kabaddi. During the year, many of the sports personshave participated in the events organized at the national/international levels. International Cricketer Shri R. VinayKumar and national players like Shri C. M. Gautam(Cricket) and Shri Sukesh Hedge (Kabaddi) arepresently in the Bank’s fold. Shri Vinay Kumar andShri C. M. Gautam were named Captain andVice-Captain respectively of the Karnataka State CricketTeam for the year 2013-14, which won the Ranji Trophyand Irani Trophy for 2013-14. The Bank has sports teamsin Cricket, Basketball and Kabaddi. During the year2013-14, the Bank’s sports teams have performed welland brought a host of laurels to the institution. TheBasketball Team won the all India Basketball Tournamentheld at Kottayam, Kerala. The Kabaddi team won theAll India Kabaddi Tournament held at Karaikudi,Tamil Nadu.

Staff Welfare Measures:

As per the directions of Ministry of Finance, Departmentof Economic Affairs Governments of India, 3% of NetProfit with the maximum ceiling of `15 crore is to beearmarked for the welfare of its employees.

The Bank is having various staff welfare schemes such as:

1. Canteen Subsidy

2. Conveyance expenses reimbursement

3. Newspaper reimbursement

4. Annual Health Check up

5. Health Clinic at HO and at MSR Nagar, Bengaluru

6. Annual Medical Aid to the employees retired onsuperannuation

7. Grant of Silver Jubilee awards

8. Cash incentive to meritorious wards of staff

9. Awarding scholarship of 5000/- for the girl childrenunder V-Shakti, V-Subodhini and V- Pragati

10. Group Mediclaim Insurance

11. Holiday Homes at Bengaluru, Mysore, Ooty, Delhi& Mumbai, etc.

The Vijaya Bank Staff Welfare Fund Trust

After adjusting the expenses incurred on various staffwelfare measures (i.e. from 3% of the net profit ofprevious financial year with a cap of ` 15 crore) thebalance amount is being transferred to the trust.

The Bank is having various schemes under Staff WelfareFund Trust such as:

1. Awarding scholarships to the wards of theemployees.

2. Reimbursement of residual claim of hospitalizationexpenses.

3. Reimbursement of cost of spectacles.

4. Funeral expenses to the family members on deathof the employees.

5. Cash incentives to retirees on superannuation.

The Bank is also administering Family Welfare Schemeunder which amounts collected from the members ofscheme are distributed among the family members(nominees) of deceased employees.

Human Resources Management System:

With a view to streamline the process of faster decisionmaking and enable error-free data management pertainingto the employees at a centralized location at Head Office,the Bank has implemented HRMS (Peoplesoft) Software.

The HRMS software combines many human resourcesfunctions including Benefits Administration, Payroll, andTraining integrated into a single package.

OTHER SERVICES

Merchant Banking & Allied Activities

The Bank is registered with Securities and ExchangeBoard of India (SEBI) for Merchant activities like:Category I Merchant Banker, Bankers to the Issue,Debenture Trusteeship and Depository Participant. The

137

Bank is also registered as Self Certified Syndicate Banksfor accepting IPO/Rights issue applications underApplications Supported by Blocked Amount (ASBA).

The Bank undertakes Payment Bankers Assignmentsfor payment of Interest/Dividend/Refund orders ofCorporates. Bank also offers Depository and online tradingservices to its clients.

Government Business:

Among various Government business, Bank is collectingDirect tax through 276 branches and Indirect tax through37 branches. The Bank has also introduced onlinepayment of taxes of CBDT&CBEC through V-net bankingfor all customers of all branches. 338 branches of thebank are designated to open Public Provident Fundaccounts. Besides, all our branches are authorised todisburse Central Civil, Defence, Telecom pensions andState pensions in the states of Karnataka, AndhraPradesh, Kerala and 4 Metro Cities. A separate cell calledCentralized Pension Processing Center/CPPC has beenset-up in HO for centralized payment of pensions ofCentral Government pensioners. 1385 branches aredesignated as NPS-Lite collection center (NL-CC) toaccept subscription under NPS- Swavalamban scheme.

Corporate Agency with LIC:

Bank has entered into the Corporate Agency agreementwith LIC of India to cater to the life insurance needs ofthe customers.

Corporate Agency with UIIC:

Bank has entered into the Corporate Agency agreementwith United India Insurance Company Limited to cater tothe non-life insurance needs of the customers.

Group Insurance Coverage for borrowers:

Bank has entered into an agreement with M/s Bajaj AllianzLtd for Group coverage of individual borrowers.

Money Transfer Services (Conventional and Online):

Bank is a sub-agent for money transfer services ofMoneyGram and XpressMoney.Under Moneygram theBank has tie-up with both UAE Exchange & FinancialServices and Thomas cook (India) Ltd. Bank has enteredinto a tie-up with TimesofMoney Ltd for online transfer offunds (Remit2lndia) as an additional service to NRIs.

Tie-up with Payment Gateways:

Bank has entered into tie-up with Times of Money Ltd forour Internet Banking Customers for Online payment ofgoods and services purchased/availed. Besides, the Bankalso has tie-up with other Payment Gateways namelyBill Desk, C C Avenue and Tech Process Solutions Ltdetc.

Credit Card Business

At the end of the financial year, the total card issued bythe bank stood at 1.56 lakhs, the Credit Card turnover is` 458.20 crore as against the turnover of ` 451.22 croreduring 2012-13. The Bank has started issuing chip basedcards with effect from December 1, 2013.

The total number of merchants enrolled by the Bank forthe year 2013 – 2014 stood at 1293. The Bank is alsoproviding cordless card swiping machines and theterminals are EMV/UKPT/TLE compliant and PIN @POS. The Bank makes direct payments to merchantsmaintaining account at our Core Banking branches.

Debit Card

There has been substantial increase in the issuance ofDebit Cards. We have issued 32.20 lakh Debit Cardsduring the FY 2013-14 as against 24.60 lakh cards issuedduring 2012-13 . The Debit Card turnover was ` 464.96crore during 2013-14 as against ` 326.43 crore as onMarch 31, 2013.

The Bank is issuing Aadhar based Rupay cards underFinancial Inclusion and ATM enabled Kisan Cards linkedto VKC accounts. 77017 Cards under FI have beenissued as on March 31, 2014. During the year, the Bankhas started issue of Rupay branded Debit Card & alsochip based Debit Cards. The Bank has launchedPre-paid domestically valid Gift Cards.

Depository Participant Account and Online Trading:

Vijaya Bank is a Depository Participant (DP) with NationalSecurities Depository Limited.

Vijaya Bank DP offers the following depository services.

l Account Opening

l Dematerialization of securities (shares, Debentures,Mutual funds etc.)

l Electronic settlement of trades in stock exchangesconnected to NSDL and CDSL.

138

l Pledge/hypothecation of demat security holdingsagainst bank loan

l Electronic credit of securities allotted in publicissues.

l Freezing of accounts whenever required so thatdebits from the account are not permitted.

l Nomination facility for demat accounts.

l Services related to change of address, bankaccount details etc.

l Effecting transmission of securities.

l NSDL IDeAS facility.

The Bank provides Depository Services to customersand Tied up with IDBI Capital for providing Online Trading.

Government Business Module (GBM)

Government Business module is implemented with thefollowing modules.

l OLTAS Module which deals with Direct and IndirectTaxes and remittance of tax amount to RBI throughlink cell, Nagpur.

l Public Provident Fund - PPF is being accepted atthe designated branches of the Bank.

Centralized Payment of Pension - A dedicatedCentralized Pension payment processing cell has beencreated at HO. All types of pension like State, Central,Civil, Telecom, Defence, Judges and Freedom Fighterspension is being paid centrally by the CPPC cell at HO.

Senior Citizens Savings Scheme as per the governmentguidelines is also implemented in the Bank.

Marketing Setup

Marketing cell at the Bank’s Head Office with activeinvolvement of all Marketing Officers posted across thecountry in various Regional Offices / RACPCs & MSMEcell is actively engaged in popularizing and marketingof Bank’s various products and services.

Publicity and Public Relations

During FY 2013-14, the Bank has carried out severalmajor advertisement campaigns in Print & Electronicmedia in English, Hindi and in regional languagesthroughout the country to elevate the visibility of theBank and its products. This year, major Publicity

Campaigns were carried out through OutdoorAdvertisement media, such as, translites at airports andDelhi Metro Railway station, Kolkata Metro Stations.Outdoor Advertisement hoardings were taken in metrocities, glow sign/sign board advertisements at Railwaystations/Bus stands besides ad campaign through FMradios – RADIO ONE, RADIO CITY & RADIO MIRCHI.

Implementation of Official Language

Bank is implementing the Government's OfficialLanguage Policy in letter and spirit since Nationalization.With the efforts of staff members, Bank could achieveHindi correspondence of 90.10% in Region “A” againstthe target of 100%, 78.57% in Region “B” against thetarget of 90% and 61.26 % in Region “C” against thetarget of 55% as on 31.03.2014.

Under the banner of “V-Gen UTH” – A savings bank productfor children, all 26 Regional Offices & Head Office hasconducted Hindi Elocution Competition and Hindi singingCompetition for High School students. Every RegionalOffice has conducted Hindi Symposium, Hindi QuizPrograms and Hindi Elocution competitions in whichteachers & students of various Colleges/Universities,customers and staff members have participated.21 Special Hindi workshops were conducted in which212 Executives participated. 102 Hindi workshops wereconducted for staff members in which 1863 staffmembers were trained.

The Parliamentary Committee on Official Language (IIIrd Sub Committee) inspected our Head Office on05.07.2013 and appreciated the efforts of the Bank inHindi Implementation.

Our Head Office was inspected by the Joint Secretaryand Joint Director (OL) of Dept. of Financial Serviceson O.L. Implementation on 14.09.2013 and reviewed theprogress made in this direction. Our Head Office hosteda program on “ Rajbhasha Prayog - Aapasi SamwadSartak Disha” on 16.09.2013 chaired by the Joint Director(OL) in which representatives of Nationalised Banksparticipated.

Hindi Day was celebrated by Head Office on 18.09.2013and a noting Sahayika in the form of a Desk Calendarwas released on the occasion.

The exclusive intra-net Rajbhasha website has been mademore user friendly for the staff members by providingletter heads of all branches/offices, office notes lettersetc.

139

The Bank hosted the 91st meeting of CCTH of CABReserve Bank of India Pune, on 13.12.2013 at the Bank’sHead Office, in which representatives from allNationalised Banks were present. Rajbhasha AdhikarisConference was conducted on 01.02.2014 at the Bank’sHead Office.

Our Bank conducted inter-bank competitions under theaegis of various Town Official Language ImplementationCommittees all over India and a number of staff membershave also won prizes.

The Head Office along with various Regional Offices ofthe Bank have received prizes for Official LanguageImplementation for the year 2012-2013 awarded by therespective Town Official Language ImplementationCommittees which were distributed during the currentfinancial year. Bank's Head Office, Bengaluru; RegionalOffice-Hassan and Regional Office-Kolkata have beenawarded First Prize, Regional Office-Calicut - SecondPrize, Regional Offices – Mangalore & Vijaywada - ThirdPrize and Regional Office-Bengaluru (North) has beenawarded Consolation Prize.

ALTERNATE DELIVERY CHANNELS:

A number of activities were undertaken to ensure thattechnology driven Alternate Delivery Channels are utilizedto the mutual advantage of the customers and the Bank.Mailers were sent to customers highlighting theadvantages of using Alternate Delivery Channels likeinternet banking, use of Debit Card, on-line purchases,and funds transfer through RTGS/NEFT etc. Trainingprogrammes are conducted by Staff College tofamiliarize/ sensitize the staff members with the productsso that these facilities percolate to the customer in aprofessional manner.

TeleBanking Facility

TeleBanking facility was started during 2012-13.TeleBanking facility provides a number of advantagesto customers as support services are available 24/7.

Internet Banking:

V-Net Banking, an Internet Banking channel of the Bankis providing services like balance enquiry, accountstatement, intra-bank and inter-bank fund transfersthrough RTGS/NEFT, transactions related SMS alerts,payment of Indirect/Direct taxes, State commercialTaxes, utility bill payments, online temple donations &online donations to Prime Ministers Relief Fund (PMRF)and others.

• Password can be reset online

• Creation of User-id and Password credentials online.

• Customers can view their PPF account and transferfunds to PPF Account from their linked operativeaccounts using V-Net Banking facility.

• Customer can View their Vijaya Bank Credit Cardstatement.

Mobile Banking:

V-Mobile Banking, the channel of the Bank for performingbanking activities like balance enquiry, account statement,mobile recharge, intra and interbank funds transfer usingNEFT, Airline ticket booking, Movie Ticket booking etc.,with their mobile handset using SMS/ GPRS modes ofcommunication. “Immediate Payment Service” – IMPS(P2P-Person to Person), an initiative from NPCI (NationalPayment Corporation of India) has been implemented forthe benefit of the customers using Mobile Bankingservices to perform the transactions 24x7 within andacross the banks using MMID (Mobile Money Identifier).IMPS (P2A – Person to Account) is implemented in ourexisting Mobile Banking services, wherein the customerscan do funds transfer using beneficiary’s A/c No. andIFSC code, without the use of MMID.

SMS Alerts/e-mail

The Bank also offers SMS alert service. Messages aresent for all transactions of ` 2000 and above and whencheques are returned with irrespective of the amount.Monthly statement of account through e-mail to accountholders who have registered the e-mail ID has beenimplemented.

SMS alert facility is also used for

• Adding beneficiaries in V-Net Banking through SMS- OTP(One Time Password)

• Online Resetting of Password in V-Net BankingSMS - OTP (One Time Password).

• Self User Creations for Retail Customers using SMS- OTP (One Time Password) along with othersecurity features.

140

CUSTOMER SERVICE

Customer Service and Redressal of Complaints

There is a robust Grievances Redressal Mechanism inthe Bank and vigorous efforts are made for a time boundresolution of all complaints.

A few of the steps taken by the Bank to ensure thequality of Customer Service/ Redressal of Complaintsare as below:

l C3O Workshops:- “Creating a Customer CentricOrganization” – Continuous workshops for all thefrontline staff of the Bank to inculcate and sensitisethem to the necessity of customer service,inculcate a sense of belonging, provide latesttechnical knowhow and continuous knowledgeenhancement on the Bank’s products, etc.

l Incognito Visits: - Incognito visits were conductedto evaluate branches in a discreet manner aboutthe

1. Ambience of the branches

2. Product knowledge of the staff

3. Reception & Acknowledgement of the customers

4. Overall Service level of the staff.

The findings of the study were used to analyse the focusareas of the visits and to improve the customer service.

• SPGRS (Standardized Public Grievance RedressalSystem):- The Bank instantaneously followed thedirections of the Department of Financial Servicesto implement the SPGRS. Under SPGRS, thecomplaints received through multiple channels willbe registered and digitalized in order to have anintegrated information system for customergrievances. All grievances are classified undervarious heads and sub-heads and automaticallyrouted to the concerned Departments for easy andtimely redressal.

• Call Centre: - The Bank has an exclusive call centreto help the customers for attending to the mattersof Alternate delivery channels, ATM/ Credit Cards,customer service, product promotions etc.

• Unhappy SMS: - The Bank has introduced“Unhappy SMS” for the customers. A customer cansend an “Unhappy SMS” from his mobile to us, bytyping : HPY [space] N and send to 9844213910.Our Call Centre officials will immediately call them,enquire the reason for the unhappy condition andoffer solution to cater to their needs.

Banking Codes and Standards Board of India(BCSBI)

The Bank, being a member of BCSBI, has adopted thevoluntary Codes formulated by BCSBI i.e. (i) ‘Code ofBank’s Commitment to Customers’ (ii) ‘Code of Bank’sCommitment to Micro and Small Enterprises.’ Bank hasformulated and complied with several policies as perthe guidelines of BCSBI. A session on Customer Serviceincorporating the provisions of the Codes has beenincluded in the staff general banking training programmesin order to comply with the Codes in true letter and spirit.The Bank conducted BCSBI Customers’ meet on21st June 2013 at the Bank’s Head Office, Bengaluru.The meeting was chaired by Shri A. C. Mahajan,Chairman, BCSBI in the presence of the Chairman &Managing Director and Executive Director of the Bank.

CORPORATE SOCIAL RESPONSIBILITY

For the benefit of the society and to ensure inclusivegrowth, several Corporate Social Responsibility (CSR)initiatives have been taken up by the Bank during theFY 2013-14. During the FY 2013-14, Bank has adopted35 girl students for financial support to pursue educationupto graduation level. On the occasion of 83rd foundationday, donations were given for the purchase of anAmbulance and medical support, 183 water purifiers toGovernment Schools, construction of building fororphanages and disabled, sewing machines for destitutewomen. Bank has continued in extending services inrural health centres at villages that have been adoptedin the year 2011-12. Also, Bank has taken initiatives toconstruct Bus shelters, Solar lights/lamps installations,assistance to orphanages, old age home centres,differently abled persons , assistance to Rural and Govt.Schools for creation of better facilities, organizing healthcamps, relief to victims of natural calamities,infrastructure support for rural schools and villages andactivities that are aimed towards positive developmentof society.

141

Awards & Achievements

In recognition of varied initiatives, the Bank was conferredseveral awards and accolades during 2013-14.

• ‘Best Banker – HR’ award by Sunday Standard ofThe New Indian Express group for excellence inhuman resources management practices.

• ‘Amity Leadership award for business excellenceby leveraging IT’ by Amity University for excellencein IT initiatives.

• The Chairman of the Bank received the ‘CEO withHR Orientation’ award by Institute of PublicEnterprises.

• Bank’s Credit Department is accredited with ISO/IEC27001:2005 certification for information securitymanagement system by British Standard Institute (BSI).

BOARD MEETING AND MEETING OF OTHER SUBCOMMITTEES OF THE BOARD

During the year 2013-14, the Board of Directors met 20times. The details of Committee Meetings are as under:-

Name of the Committee No. of Meetings

Management Committee of the Board 15

Audit Committee of the Board 13

Directors’ Promotion Committee 04

Risk Management Committee of the Board 05

Committee to review Large Value Frauds 05

Remuneration Committee of the Board, 01

Nomination Committee of the Board, 01

Customer Service Committee of the Board, 03

Shareholders’ / Investors Grievances Committee 04

Share Transfer 09

Head Office Level Credit Approval Committee 53

Special Committee to consider appeals preferred byemployees against final orders passed by Chairman &Managing Director as Disciplinary Authority 02

I.T Strategy Committee 02

Supporting candidates in the Election 02

Credit Monitoring recovery management of NPA 05

Allotment Committee 02

Board of Directors

During the year 2013-14, the following changes have takenplace.

1. Shri H. S. Upendra Kamath, Chairman & ManagingDirector demitted the Office of Chairman &Managing Director on 31.12.2013, on attainingsuperannuation.

2. Shri V. Kannan has assumed charge as Chairman& Managing Director of our Bank on 01.01.2014.

3. Shri B. S. Rama Rao has been appointed asExecutive Director of the Bank w.e.f. 27.09.2013.

4. Shri Y. Muralikrishna has been appointed asWorkmen Director w.e.f. 02.11.2013 viceShri Suresh Kamath.

5. Shri Nishank Kumar Jain, Shareholder Directordemitted the Directorship w.e.f 05.11.2013.

The Bank’s Board as on date consists of the followingDirectors:-

1. Shri V. Kannan, Chairman & Managing Director

2. Shri K. R. Shenoy, Executive Director

3. Shri B. S. Rama Rao, Executive Director

4. Shri V. K. Chopra, Director

5. Smt. Suma Varma, Director

6. Shri P. C. Nalwaya, Non Official Director

7. Shri P. Vaidyanathan, Shareholder Director

8. Smt. Bharati Rao, Shareholder Director

9. Shri Ashok Gupta, Non Official Director

10. Shri H. Harish Ballal, Officer-employee Director

11. Shri Y. Muralikrishna, Workmen Director

Acknowledgement

The Board of Directors placed on record its appreciationof the valuable services rendered by Shri H. S. UpendraKamath as Chairman & Managing Director, Shri SureshKamath and Shri Nishank Kumar Jain as Directors of theBank.

For and on behalf of the Board of Directors

Head Office, Bengaluru V. KannanDated the 06.05.2014 Chairman & Managing Director

142

REPORT OF THE BOARD OF DIRECTORS OF VIJAYA BANK ONCORPORATE GOVERNANCE 2013-14

1. INTRODUCTION

Corporate Governance reflects the built in value system of the Bank in conducting its day to day affairs in anefficient, ethical and transparent way with the ultimate objective of maximizing shareholders wealth whileensuring fairness to all the stakeholders including the Customers, Shareholders’, Employees, General Public,Society, Patrons, Government and Regulators. The existence of sound Corporate Governance in bankingorganizations is fundamental to their own sound functioning and to the stability of the banking system as awhole and no amount of controls, systems and relations can be a replacement for sound Corporate Governance.Bank endeavors to attain highest standard of Corporate Governance mandated by the Listing Agreemententered into with Stock Exchanges and also as per the recommendations of Dr. Ganguly Committee Reporton Corporate Governance. Bank has adopted the best practices in terms of disclosures, transparency, businessethics that are aimed at adding to the intrinsic value of the stakeholders of this great institution.

2. BANK’S PHILOSOPHY ON CODE OF GOVERNANCE

Bank defines Corporate Governance as a systematic process by which Organizations are directed and controlledto enhance their wealth generating capacity. Since Corporate employ a vast quantum of resources of thesociety, it is necessary that these resources are utilized in a manner that meets stakeholders' aspirations andsociety's expectations.

Bank believes that sound principles of corporate governance are important key to success, as these enhancethe ability to secure the confidence of its stakeholders. The Bank strives for total commitment to ethicalpractices in the conduct of its business, while being determined to enhance shareholders’ value. We believethat Corporate Governance stands for responsible and value creating management and control of the Bank.Bank's policies and practices are not only consistent with statutory requirements, but are also based on itscommitment to operate in the best interest of the Stakeholders.

Our Bank seeks to proclaim corporate excellence by –

1. Generating profitable growth to ensure sustainable success. This helps wealth maximization of ourstakeholders.

2. Satisfying the spirit of the law and not just the letter by maintaining high degree of transparency anddisclosure level.

3. Maintaining a work force as a network of knowledge and learning. Our corporate culture is open dialogue,mutual respect, clear goals and decisive leadership.

4. A management which is open, transparent, proactive, merit based and free from bias ensuring fair justiceto all sections of the society.

5. Proclaiming congenial environment for employees, customers and society at large.

Thus bank considers itself as a Trustee of the Shareholders and Stakeholders and acknowledges the fiduciaryresponsibility towards them by creating and safeguarding their wealth. Bank adopts this through efficientcorporate strategies, proactive business plans, policies and procedures to satisfy ethical and legalresponsibilities.

Green Initiatives in Corporate Governance taken by Ministry of Corporate Affairs (MCA)

Ministry of Corporate Affairs has issued circulars giving clarification regarding service of documents/noticesincluding copies of Annual Financial Results to shareholders in electronic form rather than sending throughphysical mode. This will benefit the society at large through reduction in paper consumption and in turn protectour trees which would contribute towards a sustainable greener environment. Sending of documents /communications through electronic mode also ensure prompt communication and avoids their loss in transit.

143

We have requested all our shareholders to register their e mail address with us to enable us to comply with theGreen Initiatives envisaged by the GOI.

3. BOARD OF DIRECTORS

Good Corporate Governance starts at the top, with the Board of Directors and the Top Management whichtakes appropriate decisions and guides the Bank in achieving highest standards of excellence. Bank’s Board isconstituted in accordance with The Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980 andNationalized banks (Management & Miscellaneous Provisions) Scheme, 1980.

3.1. Composition of Board of Directors as on 31.03.2014

Executive 3

Non-Executive 4

Non Executive Independent 4

TOTAL 11

The Directors have been contributing their diversified knowledge, experience and expertise in respective areasof their specialization for the development of the Bank. The composition of the Board is in conformity of theListing Agreements entered into with Stock Exchanges.

3.2. Composition of Board of Directors as on 31.03.2014 was as under:

Sl.No Name of Director Designation Nature of Directorship Date ofAssuming Office

1. Shri V. Kannan Chairman & Managing Director Executive 01.01.2014

2. Shri K. R. Shenoy Executive Director Executive 18.06.2012

3. Shri B. S. Rama Rao Executive Director Executive 27.09.2013

4. Shri V.K. Chopra Government Nominee Non Executive 02.12.2011

5. Smt. Suma Varma RBI Nominee Non Executive 30.07.2010

6. Shri P. C. Nalwaya Non Official Director Non Executive Independent 20.05.2011

7. Smt. Bharati Rao Nominee-Shareholders Non Executive Independent 08.08.2011

8. Shri P. Vaidyanathan Nominee-Shareholders Non Executive Independent 08.08.2011

9. Shri Ashok Gupta Non Official Director Non Executive Independent 11.11.2011

10. Shri H. Harish Ballal Officer-Employee Director Non Executive 25.01.2012

11. Shri Y. Muralikrishna Workmen Director Non Executive 02.11.2013

Appointment /Cessation of Directors during the year

Shri V. Kannan, has been appointed as Chairman & Managing Director w.e.f. 01.01.2014.

Shri H. S. Upendra Kamath, has demitted the office of Chairman and Managing Director on 31.12.2013 onattaining superannuation.

Shri B. S. Rama Rao, has been appointed as Executive Director w.e.f. 27.09.2013.

Shri Suresh Kamath, Workmen Director has been ceased to be Director of the Bank on completion of his termon 01.11.2013

Shri Y. Muralikrishna, has been appointed as Workmen employee Director w.e.f. 02.11.2013.

Shri N. K. Jain, has demitted the Office of Nominee shareholder Director w.e.f. 05.11.2013.

144

3.3 Profile of Directors appointed during the Year 2013-2014

NAME Shri V. Kannan

DATE OF BIRTH 25.12.1954

AGE 59 Years

QUALIFICATIONS B.Sc. (Hons.) CAIIB, P G Diploma in Business Administration

NATURE OF APPOINTMENT Chairman & Managing DirectorAS DIRECTOR

Shri V. Kannan was appointed as Chairman & Managing Director ofthe Bank by Government of India, under sub section (3) of Section9 of Banking Companies (Acquisition & Transfer of Undertakings)Act, 1970/1980, vide notification No.F.No.4/4/2012-BO.Idated.22.08.2013.

EXPERIENCE Shri V. Kannan holds Degree in B.Sc., (Hons), CAIIB, P.G. Diplomain Business Administration.

He has to his credit over 37 years of illustrious banking experienceaccredited with several rewards and recognition in diverse fields.It is his eruditeness in banking, high professional mettle andimpeccable administrative acumen that have contributed to hiselevation as the Chairman & Managing Director of Vijaya Bank.

He held Directorship – On the Board of SBI Global Factors Ltd. asubsidiary of SBI in the capacity of Nominee Director for the period2007 – 2010

On the Board of Canara HSBC OBC, Life Insurance Co. sinceAugust 2012 till December 2013.

He has undergone various training programmes in India and abroad,the recent being the training programme held in February 2012 -the Advanced Management Programme conducted by IMI, Delhi atDelhi and Europe. He has also attended various trainingprogrammes and seminars at institutes of national repute in Indiaand abroad.

NAME Shri B. S. Rama Rao


AGE 56 Years

QUALIFICATIONS M A (Economics), JAIIB

145

NATURE OF APPOINTMENT Executive DirectorAS DIRECTOR

Shri B. S. Rama Rao was appointed as Executive Director of theBank by Government of India, under sub section (3) of Section 9 ofBanking Companies (Acquisition & Transfer of Undertakings) Act,1970/1980, read with sub-clause (1) of clause 3 and sub- clause(1) of Clause 8 of The Nationalized Banks (Management andMiscellaneous Provisions) Scheme, 1970/1980, vide notificationNo.F.No.4/5/2012-BO.I dated 27.09.2013.

EXPERIENCE Shri B. S. Rama Rao holds a masters degree in Economics fromOsmania University and is JAIIB. He started his career as aprobationary officer in the year 1978 and served Andhra Bank invarious capacities at different parts of the country for around 35 yearsand was elevated as a General Manager in Andhra Bank since01.12.2010. As recognition for his achievements, Shri B. S. RamaRao has been elevated to the post of Executive Director of our Bank

In his illustrious banking career he has attended various seminars/conferences both in India and abroad. He has held various positionsin areas like Recovery, Priority Sector, Merchant Banking, Audit &Inspection and he brings rich and vast experience as a professionalbanker in different fields of Banking.

NAME Shri Y. Muralikrishna


AGE 55 Years

QUALIFICATIONS B.com.

NATURE OF APPOINTMENT Workmen Employee DirectorAS DIRECTOR

Shri Y. Muralikrishna was appointed as Workmen Employee Directorof the Bank by Government of India under sub section 3 of section9 of The Banking Companies (Acquisition and Transfer ofUndertakings) Act, 1970/1980 with sub clause (1) & (2) of clause 9of The Nationalized Banks (Management and MiscellaneousProvisions) Scheme vide notification F.No.6/10/2013- BO-I dated16.08.2013.

EXPERIENCE Shri Y. Muralikrishna joined Vijaya Bank on 12th May 1982 as aClerk and served in Regional Office, Vijayawada and Vijayawadabranch. He was an active student union leader. He acquired tradeunion spirit, ideology and conviction in his college days itself andtook interest in the activities of VBWO and AIBEA and started takingactive role and became Regional leader of VBWO. He has been theCentral Office Bearer of the VBWO in various capacities and is atpresent Deputy General Secretary of Vijaya Bank WorkersOrganization.

146

3.4. Board Meetings:

During the year under review, 16 Board Meetings were held on following dates as against minimum of 6 meetingsprescribed under Clause 12 of Nationalized Banks (Management and Miscellaneous Provisions) Scheme,1980.

25.04.2013 26.04.2013 07.06.2013 28.06.2013 28.07.2013 29.07.2013 26.08.2013 14.09.2013

23.10.2013 11.11.2013 28.12.2013 17.01.2014 03.02.2014 19.02.2014 10.03.2014 24.03.2014

In addition to the above Board Meetings, Bank has conducted 4 Special Board Meetings for each quarter as perthe directions of the Ministry of Finance vide their letter dated 10.07.2012 as under for discussing major policyand strategic issues

25.04.2013 28.07.2013 23.10.2013 17.01.2014

The details of attendance of the Directors at the Board Meetings including Special Board Meetings held duringtheir respective tenure are as under.

3.5. Details of Attendance of the Directors at the Board Meetings:

Sl. Name of Director Period Meetings held during the Meetings Attendance inNo. period of their tenure Attended last AGM

1. Shri V. Kannan*1 01.01.2014 - 31.03.2014 6 6 NA

2. Shri H. S. Upendra Kamath*2 01.04.2013 - 31.12.2013 14 14 YES

3. Shri K. R. Shenoy 01.04.2013 - 31.03.2014 20 20 YES

4. Shri B. S. Rama Rao*3 27.09.2013 - 31.03.2014 10 10 NA

5. Shri V.K. Chopra 01.04.2013 - 31.03.2014 20 19 NO

6. Smt. Suma Varma 01.04.2013 - 31.03.2014 20 18 NO

7. Shri Suresh Kamath*4 01.04.2013 - 01.11.2013 12 12 NO

8. Shri P. C. Nalwaya 01.04.2013 - 31.03.2014 20 20 YES

9. Smt. Bharati Rao 01.04.2013 - 31.03.2014 20 17 YES

10. Shri N.K. Jain*5 01.04.2012 - 05.11.2013 12 10 YES

11. Shri P. Vaidyanathan 01.04.2013 - 31.03.2014 20 16 NO

12. Shri Ashok Gupta 01.04.2013 - 31.03.2014 20 14 YES

13. Shri H. Harish Ballal 01.04.2013 - 31.03.2014 20 20 YES

14. Shri Y. Muralikrishna*6 02.11.2013 - 31.03.2014 8 8 NA

*1 Shri V. Kannan, has been appointed as Chairman & Managing Director w.e.f. 01.01.2014.

*2 Shri H. S. Upendra Kamath, has demitted the office of Chairman and Managing Director on 31.12.2013 onattaining superannuation.

147

*3 Shri B. S. Rama Rao, has been appointed as Executive Director w.e.f. 27.09.2013.

*4 Shri Suresh Kamath, Workmen Director has been ceased to be Director of the Bank on completion of his

term on 01.11.2013

*5 Shri N. K. Jain, has demitted the Office of Nominee shareholder Director w.e.f. 05.11.2013.

*6 Shri Y. Muralikrishna, has been appointed as Workmen employee Director w.e.f. 02.11.2013.

4. COMMITTEES OF BOARD

In line with the requirements/ directions of SEBI, RBI and Ministry of Finance, the Board has constituted the

following Committees of Directors. These Committees provide specific and focused governance for the activities

falling within their terms of reference and as per the stipulated guidelines.

1. Management Committee 9. Customer Service Committee

2. Audit Committee 10. Remuneration Committee

3. Shareholders' / Investors' Grievances Committee 11. Nomination Committee

4. Share Transfer Committee 12. Committee to decide on supporting candidates in electionof shareholder directors

5. Risk Management Committee 13. IT Steering Committee

6. Committee to Review High Value Frauds 14. Committee For Monitoring of Recovery

7. Head Office Level Credit Approval Committee 15. Committee to consider appeals preferred by employees againstfinal orders by the chairman and managing director asDisciplinary Authority

8. Directors’ Promotion Committee 16. Allotment Committee

4.1. Management Committee of Board:

The Management Committee of the Board is constituted in pursuance of Clause 13 of Nationalized Banks’

(Management and Miscellaneous Provisions) Scheme, 1980, read with the directives of the Ministry of Finance,

Government of India. Management Committee of the Board has been constituted to consider various business

matters of material significance like approval for introduction of new deposit schemes, sanction of limits whether

fund based or non fund based, compromise/ write-off, sanction of capital and revenue expenditure, investments,

donations etc. The Committee exercises such powers as may be delegated to it by the Board with the approval

of Central Government and concurrence of Reserve Bank of India.

During the period under review, the Management Committee of the Board (MCB) met 15 times. The details of

meetings of MCB held during the year & the attendance of Director Members are as detailed below:

25.04.2013 07.06.2013 28.06.2013 28.07.2013 26.08.2013 16.09.2013 22.10.2013 11.11.2013

12.12.2013 28.12.2013 17.01.2014 03.02.2014 19.02.2014 10.03.2014 24.03.2014

148

4.1.1 Details of Attendance of the Directors at the MCB Meetings:

Sl. Name of Director Designation Period Meetings held during the MeetingsNo. period of their tenure Attended

1. Shri V. Kannan*1 Chairman 01.01.2014 - 31.03.2014 5 5Chairman & Managing Director

2. Shri H. S. Upendra Kamath*2 Chairman 01.04.2013 - 31.12.2013 10 10Chairman & Managing Director

3. Shri K. R. Shenoy Executive 01.04.2013 - 31.03.2014 15 14Executive Director Director

4. Shri B. S. Rama Rao*3 Executive 27.09.2013 - 31.03.2014 9 8Executive Director Director

5. Smt. Suma VarmaRBI Nominee Director Member 01.04.2013 - 31.03.2014 15 14-Non Executive

6. Shri P. C. NalwayaNon Official Director Member 01.04.2013 - 31.03.2014 15 14- Non Executive

7. Shri Suresh Kamath*4Workmen Director- Member 01.04.2013 - 20.09.2013 6 6Non Executive

8. Shri Ashok GuptaNon Official Director- Member 01.04.2013 - 20.09.2013 & 7 5Non Executive 21.03.2014 - 31.03.2014

9. Shri H. Harish BallalOfficer Employee Director- Member 01.04.2013 - 20.09.2013 & 7 7Non Executive 21.03.2014 - 31.03.2014

10. Smt. Bharati RaoShareholder Director- Member 21.09.2013 - 20.03.2014 8 5Non Executive

11. Shri N.K. Jain*5Shareholder Director- Member 21.09.2013 - 05.11.2013 1 1Non Executive

12. Shri P. VaidyanathanShareholder Director- Member 21.09.2013 - 20.03.2014 8 8Non Executive’

13. Shri Y. Muralikrishna*6Workmen Director- Member 28.12.2013 - 31.03.2014 6 6Non Executive




*4 Shri Suresh Kamath, Workmen Director has been ceased to be Director of the Bank on completion of histerm on 01.11.2013



149

4.2 Audit Committee of the Board

The directives of Reserve Bank of India, provisions of Companies Act, 1956 and Listing Agreements governthe formation and functioning of Audit Committee of the Board (ACB). The ACB provides direction as alsooverseas the operation of the total audit function in the Bank comprising the organization and quality control ofinternal audit and inspection within the Bank and follows up the statutory/external audit of the Bank and inspectionsof Reserve Bank of India. All the members of the Committee are financially literate.

The functions of Audit Committee include the following:

• Overseeing the Bank’s financial reporting process and ensuring correct, adequate and credible disclosureof financial information.

• Reviewing with the Management, Quarterly Financial Statements with special emphasis on accountingpolicies and practices, compliance of accounting standards and other legal requirements concerning financialstatements, qualifications in the audit report, compliance with Stock Exchange and legal requirementsconcerning financial institutions, related party transactions etc.

• Reviews the findings of investigation by the internal auditors into matters where fraud is suspected orirregularity or failure of internal control system is observed and suggests strengthening of control mechanism.

• Interacts with Statutory Central Auditors before the finalization of the annual / half yearly and quarterlyaccounts and reports, focusing on the changes in accounting policies and practices, qualification in thedraft Audit Report etc.

• Looking into the reasons for substantial defaults in the payments to the depositors, shareholders, debentureholders and creditors, if any.

• Reviewing with the management, the performance of statutory and internal auditors and adequacy ofinternal control system, discussion with internal auditors of any significant findings and follow up there on.

• The Committee specially focuses on the follow up on:

a) Inter Branch Adjustment Accounts

b) Unreconciled long standing entries in Inter Branch Accounts & NOSTRO Accounts

c) Arrears in balancing of books at various branches.

d) Frauds

e) Major areas of house keeping.

The Bank in its appreciation of the fundamentals of Corporate Governance and in pursuance of directives ofReserve Bank of India has constituted an Audit Committee of the Board comprising of 5 Directors, with Non-Executive Independent Director with financial knowledge as the Chairman of the Committee.

As per the requirements of RBI, the meetings of the Audit Committee should ordinarily be held at least once ina quarter and not less than six times in a year. During the year, the Audit Committee met 13 times on thefollowing dates:

150

25.04.2013 26.04.2013 21.06.2013 28.07.2013 29.07.2013 26.08.2013 22.10.2013

11.11.2013 13.12.2013 28.12.2013 03.02.2014 19.02.2014 24.03.2014

4.2.1. Details of Attendance of the Directors at the ACB Meetings:


1. Shri P. C. Nalwaya Chairman 01.04.2013 - 31.03.2014 13 13Non Official Director-Non Executive(Chartered Accountant)



4. Shri V.K. ChopraGOI Nominee Director- Member 01.04.2013 - 31.03.2014 13 13Non Executive

5. Smt. Suma VarmaRBI Nominee Director- Member 01.04.2013 - 31.03.2014 13 13Non Executive

6. Smt. Bharati RaoShareholder Director- Member 01.04.2013 - 16.03.2014 12 9Non Executive

7. Shri P. VaidyanathanShareholder Director- Member 17.03.2014 - 31.03.2014 1 1Non Executive


4.3 Shareholders’/Investors’ Grievances Committee:

The Shareholder's/Investors' Committee was constituted by the Bank with the purpose of redressal ofShareholders’ and Investors' complaints on matters of their interest.

The Committee monitors the shareholders’ grievances with respect to transfers, transmission, splitting andconsolidation of shares issued by the bank and any other grievances of the shareholders. The Committeefurther monitors the redressal of investors’ complaints in a time bound manner.

The Committee met 4 times during the year under review on the following dates.

25.04.2013 28.07.2013 22.10.2013 17.01.2014

151

4.3.1. Details of Attendance of the Directors at the Shareholders’/Investors’ Grievances Committee


1. Shri P. Vaidyanathan Chairman 01.04.2013 - 31.03.2014 4 3Shareholder Director-Non Executive



4. Smt. Bharati Rao Member 01.04.2013 - 31.03.2014 4 3Shareholder Director-Non Executive

5. Shri N.K. Jain*2 Member 01.04.2013 - 05.11.2013 3 2Shareholder Director-Non Executive

6. Shri H. Harish Ballal Member 01.04.2013 - 20.09.2013 2 2Officer Employee Director-Non Executive

7. Shri Ashok Gupta Member 21.09.2013 - 31.03.2014 2 1Non Official Director-Non Executive

8. Shri P. C. Nalwaya Member 28.12.2013 - 31.03.2014 1 1Non Official Director-Non Executive



Smt. K. Renu, Company Secretary has been functioning as Compliance Officer for the purpose of complyingwith various provisions of Securities & Exchange Board of India, Listing Agreements with Stock Exchangesand for monitoring the share transfer process etc.

4.4. Share Transfer Committee:

Besides the Directors' Sub Committee on Share holders’/ Investors’ Grievances, the Bank has constituted aShare Transfer Committee of Directors with Chairman and Managing Director or Executive Director (in theabsence of CMD) and two non-executive Directors as its members. The Committee met 9 times during theperiod under review with details as under. Further, some of the share transfers were approved by agendassent to the Committee members by circulation, which were subsequently approved and ratified in the regularmeetings.

25.04.2013 07.06.2013 28.06.2013 28.07.2013 26.08.2013

22.10.2013 12.12.2013 17.01.2014 10.03.2014

152

4.4.1. Details of Attendance of the Directors at the Share Transfer Committee




3. Shri Suresh Kamath*3 Member 01.04.2013 - 20.09.2013 5 5Workmen Director-Non Executive

4. Shri P. Vaidyanathan Member 01.04.2013 - 20.09.2013 5 3Shareholder Director-Non Executive





*3 Shri Suresh Kamath, Workmen Director has ceased to be Director of the Bank on completion of his termon 01.11.2013

4.5. Risk Management Committee:

In terms of the recommendations of Dr. Ganguly Committee, the Risk Management Committee of the Boardwas constituted on 23.07.2003, to devise Bank’s Risk Management Policies and strategies for Integrated RiskManagement and to co-ordinate with different Risk management Committees in the Bank.

Functions of the Committee

1. To devise the Risk Management Policies and strategies for Integrated Risk Management and toco-ordinate with the different Risk Management Committees in the Bank.

2. Framing policies and guidelines for risk measurement.

3. Management and reporting in all the areas of risk.

4. Ensuring that risk management process (including people, system, operation, limit and control) satisfiesBank’s policy.

5. Ensuring robustness of financial models and the effectiveness of all systems used to calculate risk.

The Committee met 5 times during the period under review with details as under.

07.06.2013 26.08.2013 22.10.2013 28.12.2013 10.03.2014

153

4.5.1. Details of Attendance of the Directors at the Risk Management Committee











10. Shri Y. Muralikrishna*5 Member 02.11.2013 - 31.03.2014 2 2Workmen Director-Non Executive





*5 Shri Y. Muralikrishna, has been appointed as Workmen Director w.e.f. 02.11.2013.

4.6. Committee to Review High Value Frauds

With a view to provide focused attention on monitoring of frauds involving amounts of rupee One Crore andabove, a Committee of the Board was constituted in terms of the guidelines of Reserve Bank of India.

154

The Committee met 5 times during the period under review, as under:

28.07.2013 22.10.2013 28.12.2013 03.02.2014 19.02.2014

4.6.1 Details of Attendance of the Directors at the Committee to Review High Value Fraud Cases






5. Shri V. K. Chopra Member 28.12.2013 - 31.03.2014 3 3GOI Nominee Director-Non Executive






11. Shri N.K. Jain*5 Member 21.09.2013 - 05.11.2013 1 1Shareholder Director-Non Executive


*1 Shri V. Kannan, has been appointed as Chairman & Managing Director w.e.f. 01.01.2014


155




4.7 HEAD OFFICE LEVEL CREDIT APPROVAL COMMITTEE (HLCC)

Board of Directors in its meeting held on 28.12.2011 had approved the constitution of Credit Approval Committeeof the Board as per the direction of Government of India vide communication bearing reference no 13/1/2006-BO.1 dated 5th December, 2011. As per the notification, the Committee shall exercise powers of Board withregard to sanction of credit proposals upto ` 400 Crore in case of category ‘A’ Banks having business of` Three Lakh Crore or more and credit proposals upto ` 250 Crore in case of other nationalized Banks. Creditproposals exceeding the delegated powers of Officials of the Bank including C&MD shall be placed to thisCommittee for approval. Credit proposals above this limit shall continue to be placed before the ManagementCommittee of the Board for sanctions. Besides sanctioning the credit proposals (funded and non funded), loancompromise/ write of proposals upto an amount of ` 4 crore (excluding fraud cases which will continue to beplaced to the MCB) will also be placed to this Committee. The meetings of HLCC shall be attended by theC&MD and one Executive Director. The minutes of the HLCC shall be placed in the next meeting of the Board.

During the year 53 meetings of HLCC were held on the following dates:

02.04.2013 05.04.2013 08.04.2013 15.04.2013 24.04.2013 26.04.2013 07.05.2013

14.05.2013 17.05.2013 21.05.2013 24.05.2013 01.06.2013 05.06.2013 13.06.2013

20.06.2013 27.06.2013 06.07.2013 19.07.2013 26.07.2013 02.08.2013 10.08.2013

14.08.2013 17.08.2013 26.08.2013 29.08.2013 05.09.2013 18.09.2013 26.09.2013

08.10.2013 24.10.2013 29.10.2013 07.11.2013 14.11.2013 22.11.2013 26.11.2013

30.11.2013 05.12.2013 10.12.2013 11.12.2013 12.12.2013 20.12.2013 26.12.2013

27.12.2013 08.01.2014 18.01.2014 30.01.2014 17.02.2014 18.02.2014 03.03.2014

10.03.2014 17.03.2014 24.03.2014 29.03.2014

4.7.1 Details of Attendance of the Members in HLCC meetings:





156



5. Shri N. Devadas*4 Member 01.04.2013 - 30.09.2013 28 27General Manager, Credit (O)

6. Shri T. Jayanth Pai Member 01.10.2013 - 31.03.2014 25 25General Manager, Credit (O)

7. Shri H. Narayan Shetty Member 01.04.2013 - 31.03.2014 53 48General Manager, Accts

8. Shri Y. Nageswara Rao*5 Member 01.04.2013 - 21.01.2014 45 41General Manager, Risk Mgt

9. Shri A. C. Swain*5 Member 22.01.2014 - 31.03.2014 8 8General Manager, Risk Mgt




*4 Shri N. Devadas, General Manager, Credit (Operations) has demitted office on his retirement on 30.09.2013.

*5 Shri A. C. Swain, General Manager took the charge of Risk Management Department w.e.f 22.01.2014vice Shri Y. Nageswara Rao, General Manager.

4.8. Directors’ Promotion Committee

A Special Committee was formed in terms of Regulation 19(2) of the Vijaya Bank (Officers’) Service Regulations,1982 to review the cases of executives in SMG Scale-V and above. The Committee oversees disciplinarycases and promotions of top executives (Scale VII) of the Bank.

It was constituted for the purpose of review and retirement of officer employees on or at any time after thecompletion of 55 years of age or at any time after completion of 30 years of total service. The membershipcomprises of CMD, Executive Directors, Government Director and RBI Nominee Director.

The Committee met 4 times during the period under review as under:

28.07.2013 23.10.2013 28.12.2013 10.03.2014

4.8.1. Details of Attendance of the Directors at the Directors Promotion Committee




157




5. Shri V. K. ChopraGOI Nominee Director- Member 01.04.2013 - 31.03.2014 4 4Non Executive

6. Smt. Suma Varma Member 01.04.2013 - 31.03.2014 4 4RBI Nominee Director-Non Executive




4.9 Customer Service Committee

Pursuant to directives of RBI, Customer Service Committee has been constituted by the Board on 08.09.2004.

The Customer Service Committee of the Board is expected to:

1. Oversee the functioning of the Bank’s Adhoc Committee on Procedures and Performance Audit on CustomerServices.

2. Address the formulation of a Comprehensive Deposit Policy, incorporating issues such as the treatmentof death of a depositor for operations of his account, product approval process, annual survey of depositorsatisfaction and triennial audit of such services.

3. Introduce innovative measures for enhancing the quality of customer service and

4. Improve the level of customer satisfaction for all categories of clientele at all times.

The Committee met 3 times during the period under review as under:

28.07.2013 28.12.2013 19.02.2014

4.9.1 Details of Attendance of the Directors at the Customer Service Committee




158







8. Shri Suresh Kamath*4 Member 21.09.2013 - 01.11.2013 — —Workmen Director-Non Executive

9. Shri Y. Muralikrishna*5 Member 02.11.2013 - 31.03.2014 2 2Workmen Director-Non Executive

10. Shri Amarnath Hegde Member 01.11.2013 - 31.03.2014 2 2Representative of Customers

11. Shri T. Rudrappa Member 01.04.2013 - 31.10.2013 1 1Representative of Customers






4.10.REMUNERATION COMMITTEE

Remuneration to Whole Time Directors is paid as per Government of India guidelines. In terms of the GOI letterF.No.20/1/2005-BO.1 Dt.09.03.2007, Board of Directors of the Bank constituted the Remuneration Committeeon 30.07.2007.The Committee is formed to evaluate the performance linked incentives to whole time Directors,viz., Chairman & Managing Director and the Executive Director, and to award eligible incentive as on31st March of the relevant year.

159

The details of remuneration including performance linked incentive paid to CMD and ED’s during the year 2013-2014 are as detailed below:

Particulars Shri V. Kannan Shri H.S. Upendra Kamath Shri K. R. Shenoy Shri B. S. Rama Rao(CMD) (CMD) (ED) (ED)

Salary ` 4,30,350 ` 13,50,595 ` 15,11,445 ` 7,57,467

Allowances — — — —

Contribution on PF ` 22,650 ` 71,329 ` 79,755 ` 39,867

Other-performanceLinked Incentive — ` 6,00,000 ` 4,00,000 —

Other (LFC, Medical, etc.) ` 83 ` 4,15,914 ` 2,27,478 ` 32,950

Other Perquisites — ` 14,364 ` 19,152 ` 9,576

Total ` 4,53,083 ` 24,52,202 ` 22,37,830 ` 8,39,860

Stock Option — — — —

The Non Executive/Independent Directors are not being paid any remuneration, except the Sitting Fees, travelingand halting expenses for attending the meetings of the Board / Committees as per the guidelines of Governmentof India. The sitting fees are paid as per Government of India directives.

The Committee met on 07.06.2013 during the period under review.

4.10.1. Details of Attendance of the Directors at the Remuneration Committee






5. Smt. Bharati Rao Member 16.03.2014 - 31.03.2014 — —Shareholder Director-Non Executive

4.11. NOMINATION COMMITTEE

As directed by the Reserve Bank of India, vide their letter DBOD.No.BC.No.47/29.39001 /2007-08 dated01.11.2007, the Nomination Committee of the Board was constituted on 28.12.2007, to undertake process ofdue diligence to determine the 'fit and proper' status of existing elected Directors/the persons to be elected asDirectors under Sec.9 (3) (i) of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980.The Committee consists of three Directors as members:

160

The Committee met once during the period under review on 07.06.2013 and found that the persons elected asDirectors fulfill the 'fit and proper' criteria stipulated by the Reserve Bank of India.

4.11.1. Details of Attendance of the Directors at the Nomination Committee





4.12 COMMITTEE TO DECIDE ON SUPPORTING CANDIDATES IN ELECTION OF SHAREHOLDERDIRECTORS

In line with the Ministry of Finance, GOI directives, the Board in its meeting held on 31.05.2012, approved theconstitution of the committee, to take a decision on supporting candidates in the election of shareholderdirectors, where the Bank has invested in the shares of those companies.

The committee consists of the following members:

1. Chairman & Managing Director- Chairman of the Committee

2. Executive Director/s- Member

3. One Non-Official Director- Member

During the year the Committee met two times as under:

19.07.2013 25.09.2013

4.12.1. Details of Attendance of the Directors at the Committee to decide on supporting candidates in election of Shareholder Directors


1. Shri V. Kannan*1Chairman & Managing Director Chairman 01.01.2014 - 31.03.2014 — —

2. Shri H. S. Upendra Kamath*2Chairman & Managing Director Chairman 01.04.2013 - 31.12.2013 2 2


4. Shri B. S. Rama Rao*3 Executive 27.09.2013 - 31.03.2014 — —Executive Director Director


161




4.13 IT STEERING COMMITTEE:

In line with the guidelines issued by the RBI and IBA recommendations, Board of Directors at its meeting heldon 18.02.2012 has constituted the IT Steering Committee with an outside technical expert as a special invitee.

Scope of the functions of the IT Steering Committee is as under:-

1. To advise the Bank on strategic direction on IT and to review IT investments on Board’s behalf.

2. To approve IT Strategy and Policy documents and ensure that Business Strategy is aligned to IT Strategy.

3. To ascertain that management has implemented processes and practices that ensures that IT deliversvalue to the business.

4. Monitoring the method, the management uses to determine the IT resources needed to achieve strategicgoals and provide high level direction for sourcing and use of IT resources.

5. To evaluate effectiveness of management’s monitoring of IT risks and management’s performance in ITimplementation.

6. Issuing high level policy guidance related to risk.

During the year the Committee met two times on 11.06.2013 and 31.12.2013.

11.06.2013 31.12.2013

4.13.1. Details of Attendance of the Directors at the IT Steering Committee

Sl. Name of Director Designation Period Meetings held during the MeetingsNo. period of their tenure Attended1. Shri V. Kannan*1 Chairman 01.01.2014 - 31.03.2014 — —

Chairman & Managing Director

2. Shri H. S. Upendra Kamath*2 Chairman 01.04.2013 – 31.12.2013 2 2Chairman & Managing Director







162

4.14 COMMITTEE FOR MONITORING OF RECOVERY

In line with the Ministry of Finance letter dated 21.11.2012; the Board has constituted the committee forMonitoring of recovery to monitor / review the progress in recovery/ management of NPAs in general and ofhigh value accounts of ` 1 Crore and above in particular.


08.06.2013 28.07.2013 26.08.2013 27.12.2013 10.03.2014

4.14.1 Details of Attendance of the Directors at the Committee for Monitoring of Recovery





4. Shri B. S. Rama Rao*3 Executive 27.09.2013- 31.03.2014 2 2Executive Director Director

5. Shri V. K. ChopraGOI Nominee Director- Member 01.04.2013 - 31.03.2014 5 5Non Executive




4.15 COMMITTEE TO CONSIDER APPEALS PREFERRED BY EMPLOYEES AGAINST FINAL ORDERS BYTHE CHAIRMAN AND MANAGING DIRECTOR AS DISCIPLINARY AUTHORITY

The Committee was formed on 29.03.2010 to consider appeals from employees against final order by theCMD as Disciplinary Authority to protect the interest of employees. The committee consists of GOI NomineeDirector, RBI Nominee Director and Non official Director (Chairman of the Audit Committee of the Board)


07.06.2013 28.12.2013

4.15.1 Details of Attendance of the Directors at the Committee to consider appeals preferred by employeesagainst final orders by the Chairman and Managing Director as Disciplinary Authority



163




4.16 ALLOTMENT COMMITTEE

A special sub-committee of Board was formed to complete the formalities regarding the issue and allotment ofequity shares to Govt. of India which met on two occasion i.e. on 19.12.2013 to issue and allot 5,89,34,464equity shares of 10 each at a premium of 32.42 per share (issue price of 42.42/- per share) to Governmentof India on preferential basis against infusion of 249,99,99,963/- to Tier I Capital of the Bank and on 21.02.2014to issue and allot 30,46,45,849 equity shares of ` 10 each at a premium of ` 29.39 per share (issue price of` 39.39/- per share) to Government of India on preferential basis by way of conversion of existing PerpetualNon-Cumulative Preference Shares (PNCPS) aggregating to ` 1200 Crore.

5. Particulars of Shareholdings of Non-Executive/Shareholder Directors as on 31.03.2014:

Name of Director Number of shares held

1. Smt. Bharati Rao, Shareholder Director 100

2. Shri P. Vaidyanathan, Shareholder Director 2,100

3. Shri H. Harish Ballal, Officer Employee Director 1,000

6. CODE OF CONDUCT:Bank has been following the Code of Conduct as stipulated in clause 49 of the Listing Agreement. Accordingly,confirmation has been obtained from all Directors/ top management personnel on an annual basis for complianceof the same.

7. GENERAL BODY MEETING

The details of the last three Annual General Meeting held are furnished below:

Date Time Venue

29.07.2011 10.15 A.M Mulki Sunder Ram Shetty Auditorium, Vijaya Bank, M.G. Road, Bengaluru.

29.06.2012 4.00 P.M Mulki Sunder Ram Shetty Auditorium, Vijaya Bank, M.G. Road, Bengaluru.

28.06.2013 4.00 P.M Mulki Sunder Ram Shetty Auditorium, Vijaya Bank, M.G. Road, Bengaluru.

The following Directors were present during the Thirteenth Annual General Meeting. There was noSpecial Resolution passed in this meeting:

1. Shri H.S.Upendra Kamath Chairman & Managing Director

2. Shri K. R. Shenoy Executive Director

3. Shri P.C.Nalwaya Non Official Director & Chairman of ACB

4. Smt. Bharathi Rao Shareholder Director

5. Shri N.K. Jain Shareholder Director

6. Shri Ashok Gupta Non Official Director

7. Shri H. Harish Ballal Officer Employee Director

164

Shri. Gaurav Shukla, Under Secretary, Ministry of Finance and Government of India was present at the Meeting asan Observer of the Government of India.

Extraordinary General Meeting

During the year 2013-2014 two Extraordinary General Meetings of the Shareholders of the Bank were held at MulkiSunder Ram Shetty Auditorium at Vijaya Bank Head Office.

The first Extraordinary General Meeting was held on 12.12.2013 for obtaining shareholders approval for preferentialissue of 5,89,34,464 equity shares of ` 10/- each at a premium of ` 32.42 per share (i.e. total issue price of` 42.42/- per share) against the infusion of ` 249,99,99,963/- into the Tier I capital of the Bank.

The following Directors were present during this Extraordinary General Meeting:

1. Shri H.S. Upendra Kamath, Chairman & Managing Director

2. Shri B.S. Rama Rao, Executive Director


4. Shri Ashok Gupta, Non-Official Director


Shri S. D. Sharma, Section Officer, Ministry of Finance, Government of India was present at the Meeting as anobserver, representing the Government of India.

The second Extraordinary General Meeting was held on 19.02.2014 for obtaining shareholders approval for preferentialissue of 30,46,45,849 equity shares of 10/- each at a premium of 29.39 per share (i.e. total issue price of 39.39/- per share) by way of conversion of existing Perpetual Non Cumulative Preferential Shares (PNCPS) aggregating to` 1200 Crore into Equity Shares of the Bank.

The following Directors were present during the Extraordinary General Meeting:

1. Shri V. Kannan, Chairman & Managing Director

2. Shri K.R. Shenoy, Executive Director

3. Shri B.S. Rama Rao, Executive Director

4. Shri P.C. Nalwaya, Non-Official Director & ACB Chairman

5. Smt. Bharati Rao, Shareholder Director


7. Shri Ashok Gupta, Non-Official Director


Shri M.M. Dawla, Under Secretary, Ministry of Finance, Government of India was present at the Meeting as anobserver, representing the Government of India, Ministry of Finance.

8. SHARE TRANSFER SYSTEM & REDRESSAL OF INVESTORS' GRIEVANCES:

Share transfers, dividend payments and all other investor related activities are attended to and processed atthe office of our Registrar and Share Transfer Agent. The Bank ensures that all transfer of shares is dulyeffected within the stipulated period from the date of their lodgments. The Board has constituted Shareholders’

165

& Investors' Grievances Committee and Share Transfer Committee to redress shareholders’ grievances, toconsider transfer of shares and other related matters. The Committees meet at regular intervals and reviewsthe status of Investors' Grievances besides confirming transfer of shares.

The Bank has appointed M/s Link Intime India Pvt Limited as its Registrar & Share Transfer Agent whose dutyis to process share transfers, dividend payments, recording of shareholders' requests, and resolution ofinvestors’ grievances amongst other activities connected with the issue of shares. The Investors may lodgetheir transfer deeds/requests/complaints with the Registrar at the following address:

M/s Link Intime India Private Limited(Unit: Vijaya Bank)C-13, Pannalal Silk Mills Compound,L.B.S.Road, Bhandup (West)MUMBAI - 400 078Tel: (022) 2594 6970Fax: (022) 2594 6969 & 2596 2691E-mail: [email protected] and [email protected]

For the convenience of investors, requests for the share transfers and grievances / complaints from shareholdersare also accepted at the Bank’s Head Office in Bengaluru at the following address:

General Manager,Board Secretariat (Shares Division)Vijaya Bank, Head Office,41/2, M.G.Road, BengaluruKarnataka – 560 001Telephone : 080 25584066 Extn.514Fax : 080 25594737.e-mail : [email protected] : www.vijayabank.com

The prompt response and immediate redressal of grievances of shareholders is the utmost concern of theBank and is fully ensured.

Share Transfer System:

The transfers of Bank’s Equity Shares are effected by our Share Transfer Agent- M/s Link Intime India PrivateLimited, Mumbai. The share transfer requests, as and when received by them, are scrutinized and if found inorder, are processed and sent to Bank's Head Office for approval.

The lists of requests for share transfers/ dematerialization/ rematerialization/ split/ replacement/ consolidationetc., are placed before the Share Transfer Committee of the Board for approval. After getting the approval fromthe Share Transfer Committee, M/s Link Intime India Private Limited effects the transfers, demat etc., andsends it to the shareholders. The Bank ensures that all transfers of shares are duly effected within the stipulatedperiod from the date of their lodgment.

As per Clause 47 of the Listing Agreement with Stock Exchanges, a report on share transfers effected by theR & T Agent and approved by the Share Transfer Committee is placed before the Board of Directors of the Bankfor information.

166

Number of Complaints received, resolved and pending

All the complaints from shareholders are received directly by M/s. Link Intime India Private Limited, Mumbaiand those received by the bank are forwarded to them. The details of requests / complaints received andresolved during 2013-2014 and pending as on 31.03.2014 are as follows:

Particulars Pending As on Received Resolved Pending As on01.04.2013 31.03.2014

a) No. of Requests NIL 7884 7884 NIL

b) No. of Complaints NIL 2489 2489 NIL

None of the above complaints were pending for more than one month. As on 31.03.2014, no share transferrequests were pending at our end.

9. DISCLOSURE, COMMUNICATION AND RELATIONSHIP WITH SHAREHOLDERS

There are no materially significant Related Party Transactions of the Bank with its Promoters/ Directors,Management, their Subsidiaries and/or Relatives that would have potential conflict with the interests of theBank at large.

The Bank has complied with all the requirements regarding capital market related matters and has not beenimposed any penalty or stricture by the Stock Exchanges or SEBI or any other statutory authorities during thefinancial year 2013-14. The Bank has conducted the Annual General Meeting and paid dividend to the eligibleshareholders within the statutory time frame.

Information relating to Bank is sent mainly through the Annual Report which includes the Chairman’s Statement,the Directors Report, Audited Accounts, Cash Flow Statements etc. The shareholders are also intimated onthe quarterly, half yearly and annual performances through publication in news papers, intimation to stockexchanges, press releases and also through Bank’s website www.vijayabank.com.

During the financial year the quarterly financial results were published in leading newspapers namely BusinessStandard (English), Business Line (English), Economic Times (English), The New Indian Express (English),Deccan Herald (English), Prajavani (Kannada), Udayavani (Kannada), Kannada Prabha (Kannada) and VijayaKarnataka (Kannada). The results are also displayed on the web site of the bank www.vijayabank.com

10. MANDATORY AND NON-MANDATORY REQUIREMENTS

10.1 The Bank has complied with all the applicable mandatory requirements as provided in Clause 49 of theListing Agreement entered into with the Stock Exchanges.

10.2 The extent of implementation of non-mandatory requirements is furnished hereunder.

REQUIREMENT COMPLIANCE

10.2.1 A Non-Executive Chairman should be The Bank is headed by an Executive Chairmanentitled to maintain the Chairman’s office appointed by Government of India and as suchat the company’s expense and also be this requirement is not applicable.allowed reimbursement of expensesincurred in performance of his duties.

167

10.2.2 The half-yearly declaration of financial The Bank sends yearly financial results along withperformance including summary of the the summary of significant developments during thesignificant events in last six-months, year, to all the shareholders. Bank’s quarterlyshould be sent to each household of financial results are published through Newspapers,shareholders. Stock Exchanges and also through Bank’s Website,

after approval of the same by the Board of Directors.

10.2.3 Postal Ballot The Bank has not taken up for consideration any ofthe critical matters, which require to be decided bypostal ballot.

11. SHAREHOLDERS' INFORMATION:

The Bank is a Scheduled Commercial Bank having its Head Office at Bengaluru. The Bank has its presence inall parts of the country with 1512 network of Branches as on 31.03.2014. The Bank's shares are listed on thefollowing major Stock Exchanges:

1) Bombay Stock Exchange LimitedCorporate Relationship Department,1st Floor, New Trading Ring,Phiroze Jeejeebhoy Towers,Dalal Street, Fort, Mumbai-400 001BSE CODE: 532401

2) National Stock Exchange of India LtdExchange Plaza, 5th Floor,Plot No.C/1, G Block,Bandra-Kurla Complex,Bandra (East), Mumbai-400051NSE CODE : Vijaya Bank EQ AE BE BT

3) Banglore Stock Exchange LimitedP.B.No.27024,No.51, Stock Exchange Towers,1st cross, J.C.Road,Bengaluru-560027

The annual listing fees to the Stock Exchanges for the year 2013-14 has been paid within prescribed due dates.

11.1. Dematerialisation of Securities:

Dematerialization of shares of the Bank is not compulsory but the Bank has its shares Demated with NationalSecurities Depository Ltd and Central Depository Services (India) Limited. Bank has been allotted ISIN Code No.INE705A01016 for the Dematerialized Equity Shares. There is normal liquidity as the shares of the Bank are dealtwith at three Stock Exchanges. Bank has complied with SEBI requirements with regard to Share Capital Audit forthe purpose of reconciliation of the total admitted capital with both the depositories i.e. NSDL and CDSL and thetotal issued and listed capital of the Bank and in respect of other matters covered under the directions of SEBI, bya practising Company Secretary

168

Particulars of shares held in Demat and Physical form held by the Equity Shareholders as of 31.03.2014are as under:

No of share holders No. of shares PercentageShareholding

DEMAT

President of India 1 63,62,47,049 74.06

Others in NSDL 162483 16,89,91,479 19.67

Others in CDSL 67309 2,90,17,836 3.38

Total 83,42,56,364 97.11

PHYSICAL

OTHERS 73254 2,48,62,943 2.89

Grand Total 3,03,047 85,91,19,307 100

11.2. Dividend paid by the Bank during the year 2013-2014:

During the year 2013-14, Bank paid a dividend of 25% to the shareholders pertaining to the financial year 2012-13.The dividend was recommended by the Board of Directors of the Bank in its Board Meeting held on 26.04.2013and the same was declared by the shareholders in the Thirteenth Annual General Meeting held on 28.06.2013.Book closure for the purpose of AGM and payment of final dividend for the year 2012-13 was fixed from 25.06.2013to 28.06.2013. All the Dividend Warrants were dispatched/ECS credit was effected by 10.07.2013.

Further, the Board of Directors of the Bank in its Board Meeting dated 17.01.2014 declared a dividend of 10% onthe equity shares of the Bank i.e. a dividend of ` 1/- per share. The Record Date for the payment of the dividendwas 29.01.2014 and the all the Dividend Warrants were dispatched/ECS credit was effected by 08.02.2014.

11.3 Share Capital of the Bank:

As per section 3 (2A) of Banking Companies (Acquisition and Transfer of Undertaking) Act 1980, the CentralGovernment, may after consultation with RBI and by notification in the Official Gazette, increase or reduce theAuthorized Capital as it thinks fit, and after such increase or reduction, the Authorized Capital shall not exceedthree thousand Crore of rupees or should not be less than one thousand five hundred Crore of rupees.

The Government of India vide notification dated 10/11/2009 increased the Authorized Capital of the Bank from `1500 Crore to 3000 Crore. Accordingly Authorized Capital of the Bank at present is 3000 Crore divided into 300Crore fully paid shares of 10 each.

At present, Government of India holds 74.06% Equity Share Capital of the Bank and is the major shareholder ofthe Bank. The details of present Paid up Capital of the Bank is as follows:

(` in crore)Authorised Capital:

300 Crore Shares of 10 each ` 3000.00

Total Paid up Capital:

85,91,19,307 Equity Shares of ` 10 each ` 859.12

169

Table 1: Category wise Distribution of Equity Shareholding as on 31.03.2014

Category No. of Percentage ofShares held Shareholding

A Promoter’s Holding

1 Promoters

- Indian Promoters(Govt Of India) 63,62,47,049 74.06

- Foreign Promoters — —

2 Persons Acting In Concert — —

Sub-Total 63,62,47,049 74.06B Non-Promoters’ Holding3 Institutional Investors

a) Mutual Funds & UTI 13,840 0.0016

b) Banks, Financial Institutions, Insurance

Companies, (Central/state Institutions/

Non-Government Institutions) 6,80,10,958 7.92

c) FIIs/FMFs 1,73,95,895 2.02

Sub- Total 8,54,20,693 9.94C Others

a) Private Corporate Bodies 1,93,89,941 2.25b) Indian Public 11,30,96,649 13.16c) NRIs/OCBs 34,26,297 0.40d) Any Other (Clg Member & Market Maker) 15,38,078 0.18e) Foreign Nationals 600 0.0001

Sub -Total 13,74,51,565 16.00GRAND TOTAL 85,91,19,307 100.00

Table 2: Total Foreign shareholding as on 31.03.2014

Sl No. Particulars Number of Shares Percentage of Shareholding

1 GDR & ADR holding Nil Nil

2 Foreign Promoters Nil Nil

3 Foreign Institutional Investors 1,73,95,895 2.02

4 Foreign Mutual Funds Nil Nil

5 NRIs 34,26,297 0.40

6 Foreign Banks Nil Nil

7 Foreign National 600 0.0001

Total 2,08,22,792 2.42

Table 3: List of Shareholders holding more than 1% of equity shares of the bank as on 31.03.2014.

Sl. No Name of share Holders No. of shares Held Percentage of CategoryShareholding

1 President of India 63,62,47,049 74.06 Indian promoter2 LIC of India 5,94,74,712 6.92 Govt. Sponsored Financial Institution

170

11.4.Whistle Blower Policy:

Bank has reiterated time and again through internal circulars, that staff members can address genuine informationof significant value to the organization in the form of complaints/ suggestions / grievances through proper channel.In case of urgency/exigency it can be addressed directly to the appropriate authority without any reservation orfear. Staff members can thus effectively perform the role of a genuine ‘Whistle Blower’ in bringing to the noticeof the management, in writing duly signed, any deviation which is in the interest of the organization and needs tobe checked/rectified.

11.5.Stock Market Data

The monthly high & low quotations and the volume of shares traded on for NSE and BSE for the periodApril 2013 to March 2014 are as follows:

NATIONAL STOCK EXCHANGE OF INDIA LIMITED (NSE) Month High Low Close Close Date Volume of NSE

(`) (`) (`) Shares Traded NIFTY

April 2013 54.50 46.95 52.55 30.04.2013 28594762 5930.20May 2013 56.10 50.85 51.15 31.05.2013 26346070 5985.95June 2013 52.60 42.80 44.95 28.06.2013 22850615 5842.20July 2013 47.75 38.10 40.20 31.07.2013 35641627 5742.00August 2013 40.90 33.35 34.80 30.08.2013 33881828 5471.80September 2013 41.40 34.15 35.90 30.09.2013 31283674 5735.30October 2013 41.55 35.85 41.30 31.10.2013 26580965 6299.15November 2013 46.15 37.80 39.40 29.11.2013 43720631 6176.10December 2013 41.45 37.70 39.30 31.12.2012 12981163 6304.00January 2014 41.50 36.00 37.00 31.01.2014 12281780 6089.50February 2014 38.20 33.50 35.00 28.02.2014 6909876 6276.95March 2014 40.50 34.80 39.90 31.03.2014 9799316 6704.20

BANK'S SHARE PRICE Vs NSE INDEX

0

1000

2000

3000

4000

5000

6000

7000

8000

0

10

20

30

40

50

60

NSE NIFTY

SHARE PRICE

Apr-

13

May

-13

Jun-1

3

Jul-1

3

Aug-1

3

Sep

-13

Oct

-13

Nov-

13

Dec

-13

Jan-1

4

Feb-1

4

Mar

-14

171

BOMBAY STOCK EXCHANGE OF INDIA LIMITED (BSE)

Month High Low Close Close Date Volume of BSE(`) (`) (`) Shares Traded SENSEX

April 2013 54.40 47.00 52.45 30.04.2013 4509403 19504.18

May 2013 56.15 50.95 51.15 31.05.2013 4659039 19760.30

June 2013 52.60 42.80 45.05 28.06.2013 3486399 19395.81

July 2013 47.75 38.20 40.25 31.07.2013 6124600 19345.70

August 2013 40.85 33.40 34.75 30.08.2013 4867261 18619.72

September 2013 41.40 34.25 35.90 30.09.2013 4313350 19379.77

October 2013 41.55 35.90 41.25 31.10.2013 3576322 21164.52

November 2013 46.10 38.00 39.35 29.11.2013 6894741 20791.93

December 2013 41.50 37.85 39.20 31.12.2012 2577348 21170.68

January 2014 41.50 36.05 37.15 31.01.2014 3117719 20513.85

February 2014 38.20 33.90 34.85 28.02.2014 1753302 21120.12

March 2014 40.45 34.75 39.75 31.03.2014 2326276 22386.27

BANK'S SHARE PRICE Vs BSE INDEX

0

50 0 0

10 0 0 0

150 0 0

2 0 0 0 0

2 50 0 0

0

10

2 0

3 0

4 0

50

6 0

BSE SENSEX

SHARE PRICE

Apr-

13

May

-13

Jun-1

3

Jul-1

3

Aug-1

3

Sep

-13

Oct

-13

Nov-

13

Dec

-13

Jan-1

4

Feb-1

4

Mar

-14

172

11.6. Value wise Distribution of Share holding of Vijaya Bank as on 31.03.2014

Shareholding of Shareholders Shares

Nominal value. ` Nos. Percentage Amt in ` Percentage

1 to 5000 262767 86.70 419520080.00 4.88

5001 to 10000 25489 8.41 219372540.00 2.55

10001 to 20000 8721 2.87 133495320.00 1.55

20001 to 30000 2212 0.72 56658780.00 0.65

30001 to 40000 1137 0.37 41637100.00 0.48

40001 to 50000 729 0.24 34668990.00 0.40

50001 to 100000 1109 0.36 82268940.00 0.95

100001 and above 883 0.29 7603571320.00 88.50

TOTAL 303047 100.00 8591193070.00 100.00

V. Kannan K. R. Shenoy B. S. Rama RaoChairman & Managing Director Executive Director Executive Director

V. K. Chopra Suma Varma P C NalwayaDirector Director Director

Ashok Gupta H. Harish Ballal Y. MuralikrishnaDirector Director Director

Place : BengaluruDate : 06.05.2014

173

AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE

To

The Members of Vijaya Bank

We have examined the compliance of conditions of Corporate Governance by VIJAYA BANK for the year endedon 31st March 2014, as stipulated in Clause 49 of the Listing Agreement of the said Bank with Stock Exchanges.

The compliance of conditions of Corporate Governance is the responsibility of the Management. Our examinationwas limited to procedures and implementation thereof, adopted by the Bank for ensuring the compliance of theconditions of Corporate Governance. It is neither an audit nor an expression of opinion on the financial statementsof the Bank.

In our opinion and to the best of our information and according to the explanations given to us, we certify that theBank has complied with the conditions of Corporate Governance as stipulated in the above mentioned ListingAgreement to the extent these do not violate RBI guidelines.

We state that no investor grievance is pending for a period exceeding one month, against the Bank, as per therecords maintained by the Shareholder's and Investor's Grievances Committee and as certified by the Registrar& Share Transfer Agent of the Bank.

We further state that such compliance is neither an assurance as to the future viability of the Bank nor the efficiencyor effectiveness with which the Management has conducted the affairs of the Bank.

For M/s Mukund M Chitale & Co For N C Mittal & CoChartered Accountants Chartered Accountants

Abhay V Kamat N C MittalChartered Accountants Chartered AccountantsMembership No.039585 Membership No. 014213

For M/s Karra & Co For M/s. KPMC & AssociatesChartered Accountants Chartered Accountants

R Sundar Sanjay MehraMembership No. 022448 Membership No. 075488


174

BALANCE SHEET AS ON 31ST MARCH, 2014

PARTICULARS

Schedule [` 000's omitted]No. As on 31.03.2014 As on 31.03.2013

CAPITAL AND LIABILITIESCapital 1 859 11 94 1695 53 91Reserves and Surplus 2 5028 80 44 3863 11 18Deposits 3 124296 15 93 97017 23 68Borrowings 4 4744 79 86 6391 81 65Other Liabilities and Provisions 5 2429 73 11 2014 04 60

TOTAL 137358 61 28 110981 75 02

ASSETSCash and Balance with Reserve Bank of India 6 5540 20 76 3917 69 72Balance with Banks and Money at Call and Short Notice 7 3917 44 83 2727 05 28Investments 8 42585 38 48 31284 96 53Advances 9 81504 03 21 69765 76 21Fixed Assets 10 528 94 55 476 73 66Other Assets 11 3282 59 45 2809 53 62

TOTAL 137358 61 28 110981 75 02

Contingent Liabilities 12 13130 99 95 15114 53 07Bills for Collection 2227 43 58 1882 54 50Accounting Policies 17Notes on Accounts 18

Significant Accounting Policies and the Schedules referred to above form an integral part of the Balance Sheet.

V. KANNAN K. R. SHENOY B. S. RAMA RAOChairman & Managing Director Executive Director Executive Director

V. K. CHOPRA SUMA VARMA P. C. NALWAYADirector Director Director

ASHOK GUPTA H. HARISH BALLAL Y. MURALIKRISHNADirector Director Director

H. NARAYAN SHETTYGeneral Manager

AS PER OUR REPORT OF EVEN DATEFor M/s MUKUND M CHITALE & CO For M/s KARRA & CO.

Chartered Accountants Chartered AccountantsRegistration No: 106655W Registration No: 001749S

[ABHAY V. KAMAT] [R SUNDAR]Partner Partner

Membership No:39585 Membership No:22448

For M/s N C MITTAL & CO. For M/s KPMC & ASSOCIATESChartered Accountants Chartered Accountants

Registration No: 000237N Registration No: 05359C

[N C MITTAL] [SANJAY MEHRA]Partner Partner



175

PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2014

PARTICULARSSchedule [` 000's omitted]

No. For the year ended For the year ended31.03.2014 31.03.2013

I. INCOMEInterest Earned 13 10706 55 69 9051 88 45Other Income 14 709 87 43 606 99 80

TOTAL 11416 43 12 9658 88 25II. EXPENDITURE

Interest Expended 15 8623 14 76 7173 88 39Operating Expenses 16 1689 55 33 1362 97 39Provisions and Contingencies 687 82 17 536 41 55

TOTAL 11000 52 26 9073 27 33III. PROFIT / LOSS

Net Profit for the year 415 90 86 585 60 92Add: Profit brought forward 958 98 84 934 97 27Less: Creation of DTL on Special Reserve U/s 36(1)(viii) 157 62 10 —Add: Transfer from General Reserve — 5

TOTAL 1217 27 60 1520 58 24IV. APPROPRIATIONS

Transfer to Statutory Reserve 103 97 72 146 40 23Transfer to Special Reserve in terms of Sec. 36 (1) (viii)of the Income Tax Act — 90 00 00Transfer to Capital Reserve 13 64 01 60 91 78Transfer to General Reserve — —Interim Dividend (inclusive of tax) 64 87 06 —Proposed Dividend - Equity Share Capital (inclusive of tax) 100 51 27 144 93 90Proposed Dividend Preference Share Capital (inclusive of tax) — 119 33 49Balance carried forward to Balance Sheet 934 27 54 958 98 84

TOTAL 1217 27 60 1520 58 24Earnings Per Share - Basic (In `) 7.64 9.41 - Diluted (In `) 7.64 9.41Accounting Policies 17Notes on Accounts 18

Significant Accounting Policies and the Schedules referred to above form an integral part of the Profit & Loss Account.





AS PER OUR REPORT OF EVEN DATEFor M/s MUKUND M CHITALE & CO For M/s KARRA & CO.

Chartered Accountants Chartered AccountantsRegistration No: 106655W Registration No: 001749S








176

SCHEDULES TO BALANCE SHEET AND PROFIT & LOSS ACCOUNT[` 000's omitted]

PARTICULARS As on 31.03.2014 As on 31.03.2013

SCHEDULE - 1 :CAPITALAUTHORISED CAPITAL 3000 00 00 3000 00 00300,00,00,000 Shares of ` 10/- each

ISSUED, SUBSCRIBED AND CALLED UP CAPITAL85,91,19,307 Equity Shares of ` 10/- each(Previous year 49,55,38,994 Equity shares of ` 10/- each) 859 11 94 495 53 91Previous year 120,00,00,000 Perpetual Non-CumulativePreference Shares of ` 10/- each — 1200 00 00

PAID UP CAPITAL(a) Held by Central Government 63,62,47,049 Equity Shares of ` 10/- each

(Previous year 27,26,66,736 Equity shares of `10/- each) 636 24 71 272 66 68

(b) Held by the Public and Others 22,28,72,258 Equity Shares of ` 10/- each(Previous year 22,28,72,258) 222 87 23 222 87 23

(c) (Previous year 120,00,00,000 perpetual Non-Cumulative PreferenceShares of ` 10/- each at annual floating coupon to be benchmarkedto repo rate with a spread of 100 basis points to be readjustedannually based on prevailing repo rate on the relevant date.) — 1200 00 00In December 2014 quarter the Bank has issued 5,89,34,464 equityshares of ` 10 each to Government of India at a premium of ` 32.42per share. In March’14 quarter, the Bank has converted the PerpetualNon-Cumulative Preference Share Capital of 1200 crores held byGovernment of India into equity share capital at a premium of` 29.39 Per share with face value of `10/- each.

TOTAL 859 11 94 1695 53 91

SCHEDULE - 2 :RESERVES AND SURPLUSI. STATUTORY RESERVE

Balance as per last Balance Sheet 1233 74 25 1087 34 02Add : Additions during the year 103 97 71 146 40 23

TOTAL 1337 71 96 1233 74 25

II. CAPITAL RESERVEBalance as per last Balance Sheet 338 25 45 277 33 67Add : Additions during the year 13 64 01 60 91 78

TOTAL 351 89 46 338 25 45

III. SHARE PREMIUMBalance as per last Balance Sheet 592 97 88 592 97 88Add : Additions during the year 1086 41 97 —

TOTAL 1679 39 85 592 97 88

IV. REVALUATION RESERVEBalance as per last Balance Sheet 262 62 40 277 52 74Add : Additions during the year — —Less : Deduction on account of depreciation adjusted from

Profit & Loss Account 13 63 13 14 90 34

TOTAL 248 99 27 262 62 40

177

[` 000's omitted]


SCHEDULE - 2 : (Contd...)

V. REVENUE AND OTHER RESERVES[a] Special Reserve in terms of Sec.36 (1) (viii) of the Income Tax Act

Balance as per last Balance Sheet 463 72 74 373 72 74

Add : Additions during the year — 90 00 00

TOTAL 463 72 74 463 72 74

[b] General Reserve

Balance as per last Balance Sheet 12 79 62 12 79 67

Add/(Less) : Transfer during the Year — (5)

TOTAL 12 79 62 12 79 62

[c] Balance in Profit & Loss Account 934 27 54 958 98 84

TOTAL 934 27 54 958 98 84

TOTAL [a+b+c] 1410 79 90 1435 51 20

TOTAL { I+II+III+IV+V} 5028 80 44 3863 11 18

SCHEDULE - 3 :

DEPOSITS

DEPOSITS IN INDIA

I. Demand Depositsi) From Banks 15 57 53 13 33 37

ii) From Others 5881 67 32 5203 10 67

II. Savings Bank Deposits 16977 97 64 15132 77 32

III. Term Depositsi) From Banks 323 10 63 303 52 66

ii) From Others 101097 82 81 76364 49 66

TOTAL 124296 15 93 97017 23 68

SCHEDULE - 4 :

BORROWINGS

I. BORROWINGS IN INDIAi) Reserve Bank of India 350 00 00 350 00 00

ii) Other Banks — 350 00 00

iii) Other Institutions & Agencies 2644 79 86 4191 54 51

178

[` 000's omitted]


SCHEDULE - 4 : (Contd...)

iv) Sub-ordinated Debts - Bonds raised as Tier- II Capital

1) 10 Years & 3 months Bonds 2015 @ 7.15% 250 00 00 250 00 00

2) 10 Years Bonds 2016 @ 9.25% 250 00 00 250 00 00

3) 15 Years Bonds 2022 @ 10.10% 300 00 00 300 00 00

4) 10 Years & 3 months Bonds 2017 - 9.50% 200 00 00 200 00 00

5) 10 Years & 4 months Bonds 2018 - 9.35% 200 00 00 200 00 00

6) 15 Years Bonds 2023 - 9.45% 300 00 00 300 00 00

7) 10 Years Bonds 2023 - 9.73% 250 00 00 —

II. BORROWINGS OUTSIDE INDIA — 27 14

TOTAL 4744 79 86 6391 81 65

SCHEDULE - 5 :OTHER LIABILITIES AND PROVISIONS(i) Bills Payable 417 15 42 386 38 89

(ii) Interest Accrued 325 22 24 262 08 16

(iii) Provision against standard assets 424 01 53 342 18 53

(iv) Others [including Provisions] 1051 45 13 1023 39 02

(v) Inter Office Adjustments [net] 136 76 30 —

(vi) Deffered Tax Liability (Net) 75 12 49 —

TOTAL 2429 73 11 2014 04 60

SCHEDULE - 6 :CASH AND BALANCES WITH RESERVE BANK OF INDIAI. Cash in Hand [including foreign currency notes] 373 49 97 417 56 30

II. Balances with Reserve Bank of India in Current Accounts 5166 68 72 3500 13 42

III. Balances with Reserve Bank of India in Other Accounts 2 07 —

TOTAL 5540 20 76 3917 69 72

SCHEDULE - 7 :BALANCES WITH BANKS AND MONEY AT CALL AND SHORT NOTICEI. IN INDIA

(i) Balances with Banks’

a) in Current Accounts 76 37 89 92 32 25

b) in Other Deposit Accounts 63 69

(ii) Money at Call and Short Notice

a) with Banks 22 48 13 61 5 19 94 25

b) with Other Institutions 8 79 43 25 2050 00 00

TOTAL 3203 95 38 2662 27 19

179

[` 000's omitted]


SCHEDULE - 7 : (Contd...)II. OUTSIDE INDIA *

a) in Current Accounts 97 09 76 16 73 42b) in Other Deposit Accounts 616 39 69 48 04 67

TOTAL 713 49 45 64 78 09

TOTAL {I+II} 3917 44 83 2727 05 28*Includes pipeline and unadjusted items in Nostro Mirror Balances

SCHEDULE - 8 :INVESTMENTSINVESTMENTS IN INDIA [GROSS] 42833 77 92 31504 02 47Less : Provision for Depreciation and Non Performing Investments 248 39 44 219 05 94

Net Investments in India 42585 38 48 31284 96 53Break up :i) Government Securities 33263 69 52 26061 07 42ii) Other Approved Securities 2 53 17 3 57 85iii) Shares 188 24 54 187 39 58iv) Debentures & Bonds 3710 53 42 1617 48 23

v) Investments in Associates (on Equity Method) — 1 94 52vi) Others (Units, Kissan/Indira Vikas Patra, NABARD- RIDF, PSU Deposits) 5420 37 83 3413 48 93

TOTAL 42585 38 48 31284 96 53

SCHEDULE - 9 :ADVANCES[A] i) Bills Purchased & Discounted 1921 78 92 1752 84 50

ii) Cash Credits, Overdrafts & Loans Repayable on Demand 32786 52 05 31467 31 72iii) Term Loans 46795 46 45 36545 34 07iv) Claim receivable under Agricultural Debt Waiver Scheme - 2008 25 79 25 92

TOTAL 81504 03 21 69765 76 21

[B] i) Secured by Tangible Assets [includes advance against book debts] 62369 86 51 49692 51 19ii) Covered by Bank/Government Guarantees 3732 86 76 5096 16 30iii) Unsecured 15401 04 15 14976 82 80iv) Claim receivable under Agricultural Debt Waiver Scheme - 2008 25 79 25 92

TOTAL 81504 03 21 69765 76 21

[C] Advances in Indiai) Priority Sector 22070 55 72 19215 39 11ii) Public Sector 15002 61 12 8725 00 42iii) Banks 1173 01 69 755 33 01iv) Others 43257 58 89 41069 77 75v) Claim receivable under Agricultural Debt Waiver Scheme 2008 25 79 25 92

TOTAL 81504 03 21 69765 76 21

180

[` 000's omitted]


SCHEDULE - 10 : 31.03.2014 31.03.2013

FIXED ASSETS

I. PREMISESGross Block [at cost/re-valued amount]As per last Balance Sheet 591 25 90 591 13 36

Additions during the year 16 08 89 12 54

Deductions during the year — —

607 34 79 591 25 90

DepreciationBalance as per last Balance Sheet 263 67 20 245 66 16

Add : Depreciation charged during the year 17 05 88 18 01 04

Less : Deduction during the year — —

Depreciation to date - includes on account ofrevaluation Rs. 21,11,559 thousands

(Previous year : 19,62,527 thousands) 280 73 08 263 67 20

Written Down Value 326 61 71 327 58 70

II. OTHER FIXED ASSETS[including Furniture & Fixture]

Gross Block (at cost)

As per last Balance Sheet 536 41 76 497 92 68

Additions during the year 115 32 31 48 10 36

651 74 07 546 03 04

Deductions during the year 18 06 26 9 61 28

633 67 81 536 41 76

DepreciationBalance as per last Balance Sheet 387 26 80 356 45 09

Add : Depreciation charged during the year 60 91 88 39 32 76

448 18 68 395 77 85

Less : Deduction during the year 16 83 71 8 51 05

Depreciation to date 431 34 97 387 26 80

Written Down Value* 202 32 84 149 14 96

* Previous Year Includes WDV of leased assets amounting to ` 10/-

TOTAL 528 94 55 476 73 66

181

[` 000's omitted]


SCHEDULE - 11 :

OTHER ASSETS

i. Interest accrued 895 61 50 724 65 98

ii. Tax paid in Advance/Tax Deducted at Source [net of provision] 1685 73 94 1505 53 41

iii. Deferred Tax Asset (Net) — 14 53 78

iv. Stationery & Stamps 1 37 89 86 78

v. Non-banking assets acquired in satisfaction of claims 7 62 7 62

vi. Others [net of provision] 580 67 25 286 03 35

vii. Unamortisation-Gratuity & Pension 119 11 25 238 22 50

viii. Inter-office adjustments (Net) — 39 60 20

TOTAL 3282 59 45 2809 53 62

SCHEDULE - 12 :

CONTINGENT LIABILITIES

i. Claims against the Bank not acknowledged as debts 77 84 56 71 18 37

ii. Liability for Partly Paid Investments — —

iii. Liability on account of Outstanding Forward Exchange Contracts 5098 90 86 7344 57 36

iv. Guarantees given on behalf of Constituents- in India 5210 36 72 4966 19 88

v. Acceptances, Endorsements and Other Obligations 1403 25 72 1594 63 55

vi. Other items for which the Bank is contingently liable 1314 50 86 1112 67 46

vii. Capital contracts remaining to be executed 26 11 23 25 26 45

TOTAL 13130 99 95 15114 53 07

182

[` 000's omitted]

PARTICULARS For the For theyear ended year ended31.03.2014 31.03.2013

SCHEDULE - 13 :

INTEREST EARNED

i. Interest/Discount on advances/bills 7713 61 27 6809 27 79

ii. Income on Investments 2605 01 89 2158 42 97

iii. Interest on Balances with Reserve Bank of India & other Inter-bank funds 3 04 91 2 77 09

iv. Others 384 87 62 81 40 60

TOTAL 10706 55 69 9051 88 45

SCHEDULE - 14 :

OTHER INCOME

i. Commission, Exchange & Brokerage 100 37 54 95 62 79

ii. Profit on Sale of Investments 234 15 97 160 97 67

Less: Loss on Sale of Investments 43 90 98 47 85 86

190 24 99 113 11 81

iii. Profit/(Loss) Net on revaluation of Investments — —

Less: Amortisation of premium on HTM securities — —

— —

iv. Profit on Sale of Land, Building & Other Assets 16 79 24 50

Less: Loss on Sale of Land, Building & Other Assets 37 62 37 23

(20 83) (12 73)

v. Profit on Exchange Transactions 69 12 09 61 05 35

Less: Loss on Exchange Transactions 1 70 1 96

69 10 39 61 03 39

vi. Miscellaneous Income 350 35 34 337 34 54

TOTAL { i+ii+iii+iv+v+vi } 709 87 43 606 99 80

SCHEDULE - 15 :

INTEREST EXPENDED

i. Interest on Deposits 8355 53 12 6848 89 65

ii. Interest on Reserve Bank of India/Inter-Bank borrowings 1 32 37 5 58 40

iii. Others 266 29 27 319 40 34

TOTAL 8623 14 76 7173 88 39

183

[` 000's omitted]

PARTICULARS For the For theyear ended year ended31.03.2014 31.03.2013

SCHEDULE - 16 :OPERATING EXPENSESi. Payments to and provisions for employees 1039 80 47 848 58 75ii. Rent, Taxes and Lighting 128 12 31 109 71 31iii. Printing & Stationery 13 43 67 10 29 09iv. Advertisement and Publicity 10 90 49 10 22 31

31.03.2014 31.03.2013v. Depreciation on Banks’ Property 77 77 74 56 36 06

Less: Depreciation adjusted fromRevaluation Reserve 13 63 12 14 90 33 64 14 62 41 45 73

vi. Directors’ Fees, Allowances & Expenses 81 09 83 00vii. Auditors’ Fees & Expenses [inclusive of Branch Auditors] 15 20 62 10 79 35viii. Law charges 63 61 81 48ix. Postage, Telegrams, Telephones etc., 21 14 62 17 44 78x. Repairs and Maintenance 3 66 03 3 27 03xi. Insurance 94 70 33 65 70 51xii. Other Expenditure 296 97 47 243 84 05

TOTAL 1689 55 33 1362 97 39





AS PER OUR REPORT OF EVEN DATE

For M/s MUKUND M CHITALE & CO For M/s KARRA & CO.Chartered Accountants Chartered Accountants

Registration No: 106655W Registration No: 001749S








184

SCHEDULE – 17

SIGNIFICANT ACCOUNTING POLICIES 2013-14

1) ACCOUNTING CONVENTION

The financial statements have been prepared byfollowing the going concern concept on historicalcost basis except as otherwise stated and inaccordance with Companies (AccountingStandards) Rules, 2006 to the extent applicableread with guidelines issued by the Reserve Bankof India (RBI) and conform to the statutoryprovisions and practices prevailing within thebanking industry in India.

The preparation of the financial statements, inconformity with generally accepted accountingprinciples requires management to make estimatesand assumptions that affect the reported amountsof assets, liabilities, revenues, expenses anddisclosure of contingent liabilities in the financialstatements. Management believes that theestimates used in the preparation of the financialstatements are prudent and reasonable. Anyrevisions to the accounting estimates arerecognised prospectively in current and futureperiods.

2) FOREIGN EXCHANGE TRANSACTIONS

I. Transactions other than FCNR/EEFC/RFCAccounts

a) Foreign Currency balances both underassets and liabilities and outstandingforward exchange contracts and swapsare evaluated at the year end rates asquoted by Foreign Exchange Dealers'Association of India (FEDAI). Theresultant profit/loss is included in Profit /Loss Account.

b) Income and expenditure items have beentranslated at the exchange rates ruling onthe dates of the transactions.

c) Contingent liabilities on account ofacceptances, endorsements and otherobligations including guarantees andLetters of Credit issued in ForeignCurrencies, shown in the Balance Sheet

are valued at the exchange rates prevailingat the year end.

II. Transactions relating to FCNR/EEFC/RFCaccounts

Foreign Currency Deposits in FCNR/EEFC/RFC accounts including interest accrued andalso the corresponding assets are recordedat market related notional rates, which areperiodically reviewed. Assets and Liabilitiesat the year end are revalued at rates quotedby Foreign Exchange Dealers' Association ofIndia. The resultant profit / loss is shown asincome / loss.

3) INVESTMENTS

I. Investments are accounted for inaccordance with the extant RBI guidelineson investment classification and valuationand are regrouped, shown in balance sheetunder the following six groups:

a) Government Securities

b) Other Approved Securities

c) Shares

d) Debentures and Bonds

e) Investments in Subsidiaries/JointVentures

f) Others (Commercial Paper, Units ofMutual Fund, NABARD- RIDF, VentureCapital Funds etc.)

II. The Investment portfolio of the Bank isclassified into the following threecategories:

a) Held to Maturity

b) Available for Sale

c) Held for Trading

Bank decides the category of each investmentat the time of acquisition and classifies thesame accordingly. Transfer of securities fromone category to another is done at the least ofthe acquisition cost/book value/ market valueon the date of transfer. The depreciation, ifany, on such transfer is fully provided for andthe book value of the security is accordinglychanged.

185

III. Valuation

a) Held to Maturity

i) Investments classified under thiscategory are valued at the year endat the acquisition cost, except wherethe acquisition cost is more than theface value, in which case the premiumis amortized on constant yieldmethod.

ii) In the case of investments insubsidiaries/joint ventures, anydiminution in value, other thantemporary, is recognized and providedfor each investment individually.Investments in RRB and venturecapital funds is valued at cost ofacquisition.

iii) Profit on sale of investments in thiscategory is first taken to Profit andLoss Account and there afterappropriated to the “Capital ReserveAccount”. Loss on sale is recognisedin the Profit and Loss Account.

b) Available for Sale

A Govt. Securities At market prices / YTM asi) Central Govt published by Fixed Income Securities Money Market and

Derivatives Association ofIndia (FIMMDA) onperiodical basis.

ii) State Govt As per FIMMDA / RBI Securities guidelines.

B Securities guaranteed On appropriate yield toby Central / State maturi ty basis as perGovt. PSU Bonds FIMMDA / RBI guidelines.(Not in the nature ofadvances)

C Treasury Bills At carrying cost

D Equity Shares At market price, if quoted,otherwise at break upvalue of the shares as perlatest balance sheet (Notmore than one year old)otherwise at ` 1/- percompany

E Preference Shares At market price, if quotedor on appropriate yield tomaturity basis notexceeding redemptionvalue as per RBI /FIMMDA guidelines. Incase of preferences h a r e s , w h e r epreference dividends arein arrears, no credit istaken for accrueddividends and the valuedetermined on YTM isdiscounted by at least15% if the arrears are for1 year and more. Thedepreciation/provisionrequirement arrived at inthe above manner inr e s p e c t o f n o n -performing shares wheredividends are in arrearsis not set off againstappreciation on otherperforming preferenceshares.

F Bonds and At market price, if quoted,Debentures (Not in or on appropriate yield tothe nature of advance) maturity as per RBI/

FIMMDA guidelines.

G Units of mutual funds As per Stock Exchangequotation, if quoted; atrepurchase price / NAV,if unquoted.

H Commercial Papers At carrying cost

I Security Receipts At net asset value of theasset declared by theAsset ReconstructionCompany.

J Venture Capital At net asset value (NAV)Funds declared by the VCF

K Other Investments At carrying cost lessdiminution in value.

186

The above valuation in category of Availablefor Sale and Held for Trading is done scripwise and depreciation / appreciation isaggregated for classification. Net depreciationfor each classification if any, is provided forwhile net appreciation is ignored.

Provisions on account of depreciation on netbasis if found to be in excess, is first taken toProfit & Loss Account and thereafterappropriated to the “Investment ReserveAccount” as per the extant RBI guidelines.

Profit/Loss on sale of investments in AFS/HFTcategory is recognised in Profit and LossAccount.

IV. Prudential Norms

(a) i) Securities with guarantees ofthe Central Government are treatedas p e r f o r m i n g i n v e s t m e n t s ,notwithstanding arrears of principal/interest payments. However, interestif not realized for more than 90 daysis recognized as income only on cashbasis.

ii) Securities guaranteed by the StateGovernment, where the principal/interest is due but not paid for aperiod of more than 90 days, aretreated as Non PerformingInvestments and provided for as perthe RBI guidelines. Further, forsecurities guaranteed by the StateGovernments, where the principal/interest is due but not paid for aperiod of more than 90 days, interestis recognized as income only on cashbasis.

(b) Securities not guaranteed by the CentralGovernment/State Governments/Preference Shares: Where the Principal/Interest/Fixed Dividend is due but not paidfor a period of more than 90 days aretreated as Non Performing Investmentsand provided for as per the Reserve Bankof India guidelines.

(c) In the case of debentures/bonds whereprincipal/ interest is in arrears, provisionis made as in the case of advances.

(d) If any credit facility availed by the issuerfrom the Bank is NPA, investments in anyof the securities issued by the same issueris also treated as Non PerformingInvestments.

(e) The depreciation/provision requirement inrespect of non-performing investments isnot set off against the appreciation inrespect of other performing investments.

(f) In the case of Equity Shares, in the eventthe investment in the shares of anycompany is valued at 1 per company onaccount of the non availability of thequotation or latest balance sheet inaccordance with the RBI guidelines, suchequity shares would also be reckoned asNon Performing Investment on case tocase basis.

(g) In case of preference shares, wherepreference dividends are in arrears, nocredit is taken for accrued dividends andthe value determined on YTM isdiscounted by at least 15% if arrears arefor 1 year, and more if arrears are for morethan one year. The depreciation/provisionrequirement arrived at in the abovemanner in respect of non-performingshares where dividends are in arrears isnot set off against appreciation on otherperforming preference shares.

4) TRANSACTIONS RELATING TO DERIVATIVES

Derivative contracts are designated as hedging ortrading and accounted for as follows:

a) Hedge Swaps: The interest rate swaps whichhedges interest bearing assets and liabilitiesare accounted for on accrual basis except theswaps designated with an asset or liability thatis carried at market value or lower of cost ormarket value in the financial statements. Insuch cases the swaps are marked to market

187

with the resulting gain or loss recorded as anadjustment to the market value of designatedasset or liability.

The gain or loss on the terminated swaps isdeferred and recognized over the shorter of theremaining contractual life of the swap or theremaining life of the asset/liability.

b) Re-designation of Hedge items: If a hedge isredesignated from one item of asset/liabilityto another item of asset/liability, suchredesignation is accounted for as the terminationof one hedge and acquisition of another. Onthe date of redesignation, the swap is markedto market and the mark to market value isamortized over the shorter period of theremaining life of the swap or remaining life ofthe asset/liability. The offsetting mark to marketentry adjustments would be treated as premiumreceived or paid for hedge on the newlydesignated item of asset/liability and this wouldbe amortized over the life of the redesignatedasset/liability or remaining term of the swapwhichever is shorter.

c) Trading Swaps: The trading swaps are markedto market with the resulting gain or loss recordedin the income statement. Gain or loss ontermination of the swap is recorded as immediateincome or expense.

5) FIXED ASSETS/DEPRECIATION

I) Fixed Assets

a) Premises of the bank include free hold aswell as lease hold properties. Land andbuildings purchased or allotted have beencapitalised based on agreements/letters ofallotment and physical possession. OtherFixed Assets are capitalized on the dateof put to use. Premises and other FixedAssets are stated at their historical cost,except those which have been re-valued.Such Fixed Assets are stated on therevalued amount.

b) Advance payments made for acquisitionof capital assets and deposits made inrespect of properties taken on lease/rentare included under ‘Other Assets’.

II) Depreciation / Amortization

a) Fixed Assets (other than computers andsoftware) are depreciated at the ratesprescribed under the ‘Income Tax Rules’on reducing balance method, includingon the composite cost of certainproperties, where it is not possible tosegregate the land cost. Computers(including operating software) aredepreciated on Straight Line Method atthe rate of 33.33% per annum. Othersoftware expenses, treated as intangibleassets are amortized at 100% in the yearof acquisition. Depreciation on additionsto Fixed Asset during the financial yearis provided at 100% of the rate ofdepreciation prescribed, if the asset is putto use for 180 days and above during theyear and at 50% of the rate ofdepreciation prescribed, if the asset is putto use for less than 180 days during theyear. No depreciation is provided in theyear of sale/disposal of fixed assets.

b) Incremental depreciation on revaluedamount in respect of premises is adjustedfrom Revaluation Reserve account.

6) LEASED OUT ASSETS

Accounting for leased assets is done as perAccounting Standard 19. Provision in respect ofnon-performing assets, is made by applying theasset classification norms prescribed by the RBIfor advances.

7) NON BANKING ASSETS

Non-Banking assets are shown at cost.

8) ADVANCES

Advances are classified as per the RBI guidelinesinto standard, sub-standard, doubtful and lossassets after considering subsequent recoveries to

188

date. Provision for non-performing assets is madein conformity with the RBI guidelines.

a) In terms of the guidelines of the Reserve Bankof India, advances are classified as"Performing" and "Non-Performing" assetsbased on recovery of principal/interest andadvances are classified as "Non PerformingAssets" with 90 days delinquency norms. Incase of State Government Guaranteedadvances, requirement of invocation of theGuarantee has been de-linked for classificationof an account as NPA. Non PerformingAdvances (NPAs) are categorized as Sub-Standard, Doubtful and Loss Assets for thepurpose of computing provision requirements.

Advances shown in the Balance Sheet are netof provisions [including floating provisions] inrespect of non-performing advances, interestsuspense and ECGC/DICGC claims received.

b) Advances include the Bank’s participation in/contributions to Pass Through Certificates(PTCs) and /or to the asset-backed assignmentof loan assets of other banks/ financialinstitutions where the Bank has participatedon risk-sharing basis.

c) Amounts recovered against bad debts writtenoff in earlier years are recognised in the Profitand Loss account.

d) Provisions no longer considered necessary incontext of the current status of the borroweras a performing asset, are written back to theProfit and Loss account to the extent suchprovisions were charged to the Profit and Lossaccount.

e) Provisions on Standard Advances are shownunder "Other Liabilities and Provisions".

f) Provision on advances is made as per the RBIguidelines as under:

1. Standard Assets: 1% in respect ofstandard advances to Commercial RealEstate Sector, 0.25% in respect of theoutstanding advances under direct

agricultures & SME sectors, 3.50% inrespect of accounts under standardcategory as of 31.03.2014 and restructuredprior to 01.06.2013, 5% in respect accountsunder standard category restructured after31.05.2013 and 0.40% on all otheroutstanding standard advances.

2. Sub Standard Assets: 15% of theoutstanding advances. However, in caseof sub standard assets which are identifiedab-initio as "unsecured exposures"provision at 25% of the outstandingbalance is made.

3. Doubtful assets: 25% to 100% asapplicable on the secured portion ofadvances, depending upon the period forwhich the asset has remained doubtful and100% of the unsecured portion of theoutstanding advance after netting realizedamount in respect of DICGC scheme andrealized/realizable amount of guaranteecover under the ECGC/CGSTI Schemes.

4. Loss Assets: 100% of the outstandingadvances.

g) Restructured / rescheduled accounts:

In case of restructured / rescheduled accountsprovision is made for the sacrifice againsterosion/ diminution in fair value of restructuredloans, in accordance with the generalframework of restructuring of advances issuedby RBI vide circular dated August 27, 2008and Master Circular dated July 02, 2012.

The erosion in fair value of the advances iscomputed as the difference between fair valueof the loan before and after restructuring.

Fair value of the loan before restructuring iscomputed as the present value of cash flowsrepresenting the interest at the existing ratecharged on the advance before restructuringand the principal, discounted at a rate equal tothe Bank’s Base Rate as on the date ofrestructuring plus the appropriate term premiumand credit risk premium for the borrowercategory on the date of restructuring.

189

Fair value of the loan after restructuring iscomputed as the present value of cash flowsrepresenting the interest at the rate charged onthe advance on restructuring and the principal,discounted at a rate equal to Bank’s Base Rateas on the date of restructuring plus theappropriate term premium and credit riskpremium for the borrower category on the dateof restructuring.

The diminution in the fair value is recomputedon each balance sheet date till satisfactorycompletion of all repayment obligations and fullrepayments of the outstanding, so as to capturethe changes in the fair value on account ofchanges in base rate, term premium and creditcategory of the borrower.

The restructured accounts have been classifiedin accordance with RBI guidelines, includingspecial dispensation wherever allowed.

9) REVENUE RECOGNITION

Income is accounted on accrual basis except in thefollowing cases:

a) In the case of Non Performing Assets, incomeis recognized on cash basis, in terms ofguidelines of the Reserve Bank of India. Whererecovery is not adequate to upgrade the NonPerforming Assets accounts by way ofregularization, such recovery is beingappropriated towards the principal/book balancein the first instance and towards interest duesthereafter. In respect of Non PerformingInvestments, the same accounting treatmentas above is followed.

b) Income from Units of Mutual Funds,Commission on Insurance and DepositaryParticipant business, Merchant Bankingtransactions, General Insurance business,Money transfer services, Sale of Mutual Fundproducts, Locker Rent, Commission onGovernment business, etc. are accounted oncash/realisation basis.

c) Commission earned from Non-fund basedbusiness viz., Letter of Credits and BankGuarantees is accounted on cash basis.

d) Interest on securities which is due and not paidfor a period of more than 90 days is recognizedon realisation basis as per RBI guidelines.

e) In the case of suit filed accounts, legalexpenses are charged to the profit and lossaccount. Similarly, at the time of recovery oflegal expenses in respect of such suit filedaccounts, the amount recovered is accountedas income.

10) NET PROFIT

The net profit is arrived at after

a) Provisions for Income Tax & Wealth Tax inaccordance with statutory requirements

b) Provision on advances/investments

c) Adjustments to the value of investments

d) Transfers to provisions and contingencies

e) Provision for Inter Branch accounts lyingunadjusted for more than six months as perRBI norms

f) Other usual and necessary provisions

11) EMPLOYEE BENEFITS

a) Expenses arising out of claims in respect ofemployee matters under dispute/negotiationare accounted during the year of finalsettlement/determination.

b) In respect of employees who have opted forProvident Fund scheme, matching contributionas applicable is made by the Bank to therecognised Provident Fund. For others whohave opted for pension scheme, contributionto Pension Fund is made based on actuarialvaluation, as per Accounting Standard 15.

190

c) Contribution to Gratuity Fund is made based

on actuarial valuation, as per Accounting

Standard 15.

d) Liability towards leave encashment, privilege

leave is provided based on actuarial valuation,

as per Accounting Standard 15.

Details are as under:

Long term employee benefits:

Long term employee benefits (benefits which

are payable after the end of twelve months from

the end of the period in which employees render

service), and post employment benefits

(benefits which are payable after completion

of employment), are measured on a discounted

basis by the projected Unit Credit Method, on

the basis of annual third party actuarial

valuations. The bank provides for the following

long term employee benefits as per actuarial

valuation:

1. Leave encashment: The Bank provides

for liability accruing on account of deferred

entitlement towards leave encashment in

the year in which the employees concerned

render their services based on third party

actuarial valuation obtained as of each year

end balance sheet date.

2. Pension: The Bank provides for liability

accruing on account of the employees who

have opted for pension based on the

actuarial valuation obtained as of each year

end balance sheet date.

3. Gratuity: The Bank provides for gratuity

liability based on the actuarial valuation

obtained as of each year end balance sheet

date.

The pension and gratuity contributions are

transferred to self-managed trusts.

12) PROVISION FOR TAXATION

Tax expenses comprise current and deferred taxes.Current income tax is measured at the amountexpected to be paid to the tax authorities inaccordance with the Income Tax Act, 1961.Deferred income taxes reflect the impact of currentyear timing differences between taxable income andaccounting income for the year and reversal oftiming differences of earlier years. Deferred tax ismeasured based on the tax rates and the tax lawsenacted or substantively enacted at the balancesheet date.

13) IMPAIRMENTS

The carrying amounts of assets are reviewed ateach Balance Sheet date for any indication ofimpairment based on internal/external factor. Animpairment loss is recognized whenever the carryingamount of an asset exceeds its estimatedrecoverable amount.

14) SEGMENT REPORTING:

In accordance with the guidelines issued by RBI,Bank has adopted Segment Reporting as under:

1. Treasury includes all investment portfolio,profit/ loss on sale of investments, profit/losson foreign exchange transactions, equities,income from derivatives and money marketoperations. The expenses of this segmentconsist of interest expenses on funds borrowedfrom external sources as well as internalsources and depreciation / amortisation ofpremium on Held to Maturity categoryinvestments.

2. Corporate/ Wholesale Banking includeslending and deposits from corporate customersand identified earnings and expenses of thesegment.

3. Retail Banking includes lending and depositsfrom retail customers and identified earningsand expenses of the segment.

4. Other Banking Operations includes all otheroperations not covered under Treasury,Wholesale Banking and Retail Banking.

191

15) EARNINGS PER SHARE:

Earnings per share are calculated by dividing thenet profit or loss for the period attributable to equityshareholders (after deducting preference dividendand attributable taxes thereto) by the weightedaverage number of equity shares outstanding duringthe period. Diluted earnings per equity share havebeen computed using the weighted average numberof equity shares and dilutive potential equity sharesoutstanding as at the end of the year.

16) CONTINGENT LIABILITIES AND PROVISIONS:

1. A provision is recognised when there is anobligation as a result of past event if it isprobable that an outflow of resources will berequired to settle the obligation, in respect ofwhich a reliable estimate can be made.Provisions are not discounted to their present

value and are determined based on bestestimate required to settle the obligation atthe balance sheet date. These are reviewedat each balance sheet date and adjusted toreflect the current best estimates.

2. Transactions in Government securities andothers which were pending for settlement onthe balance sheet date are shown as offbalance sheet items under contingent assetsand liabilities head.

17) Cash and cash equivalents in the cash flowstatement comprise cash and balances with RBIand balances with banks and money at call andshort notice.

18) The Bank has followed the same accountingpolicies as in the previous year’s subject toregulatory Changes, if any.






For M/s MUKUND M CHITALE & CO For M/s KARRA & CO. For M/s N C MITTAL & CO.Chartered Accountants Chartered Accountants Chartered Accountants

Registration No: 106655W Registration No: 001749S Registration No: 000237N

For M/s KPMC & ASSOCIATES [ABHAY V. KAMAT] [R SUNDAR]Chartered Accountants Partner PartnerRegistration No: 05359C Membership No:39585 Membership No:22448


Membership No:14213 Membership No:075488Place : BengaluruDate : 06.05.2014

192

SCHEDULE – 18 : NOTES ON ACCOUNTS

1. Reconciliation of entries outstanding as on 31.03.2014 in the inter-branch and other accounts has been drawn.Matching of entries outstanding in inter-branch and inter-bank accounts including balances in drafts accounts,suspense accounts, branch adjustment accounts, clearing transactions, funds transfers, balances pertaining todividends / interest / refund orders paid / payable accounts, advances paid for acquisition of assets, etc. iscomplete upto 31.12.2013 and is under progress for the remaining period. In the opinion of the Bank, consequentialeffect of the above on the revenue / assets / liabilities is not material.

2. In respect of certain premises acquired by the Bank having written down value of ` 5.43 crore, (previous year` 6.03 crore) documentation / registration are yet to be completed pending legal or other formalities.

3. In the case of un-audited branches, the returns / classification of advances as reported by the concernedbranches have been adopted.

4. Claims pending and to be preferred with ECGCI Limited amounting to ` 205.73 crore (previous year` 17.36 crore) have been considered as realisable for the purpose of computing provisions.

5. No provision other than those made, have been considered necessary by the Management in respect of disputedtax liabilities in view of the judgements in favour of the Bank. Further, certain deductions have been consideredwhile working out tax provisions in respect of some claims under Income Tax Act based on the legal opinionsobtained.

6. In terms of the guidelines issued by the Reserve Bank of India, the following disclosures are made:

i) Capital

Sl. No. Particulars 31.03.2014 31.03.2013 1. CRAR (%)

Basel II 10.97 11.32Basel III 10.56 —

2. CRAR – Tier I Capital (%)Basel II 8.30 8.54Basel III 8.12 —

3. CRAR – Tier II Capital (%)Basel II 2.67 2.78Basel III 2.44 —

Basel III

Sl. No. Particulars 31.03.2014 31.03.2013

i) Common Equity Tier 1 capital ratio (%) 8.12% —

ii) Tier 1 capital ratio (%) — —

iii) Tier 2 capital ratio (%) 2.44% —

iv) Total Capital ratio (CRAR) (%) 10.56% —

v) Percentage of the shareholding of Government of India in public sector banks 74.06% 55.02%

vi) Amount of Equity Capital raised (` In Crores) Refer item No. 10 363.58 NIL

vii) Amount of Additional Tier 1 capital raised; of whichPNCPS:PDI: NIL NIL

Amount of Tier 2 capital raised; of whichDebt capital instrument (` In crores): 250.00 NIL

Preference Share Capital Instruments: [Perpetual CumulativePreference Shares (PCPS)/ Redeemable Non-CumulativePreference Shares (RNCPS)/ Redeemable CumulativePreference Shares (RCPS)] NIL NIL

193

ii) Investments (` in crore)

Sl. No. Particulars 31.03.2014 31.03.2013

1. Value of Investments

Gross value of investments 42833.78* 31504.02

In India 42833.78* 31504.02

Outside India NIL NIL

Provisions for depreciation and NPI (Non Performing Investment) 248.39 219.06

In India 248.39** 219.06


Net value of investments 42585.38 31284.96

In India 42585.38 31284.96


2. Movement of provisions held towards depreciation on investmentsOpening balance 207.79 285.03

Add:i) Provision made during the year 0.00 0.00

ii) Diminution on shifting of investments 77.08 27.89

Less: Write off 48.94 105.13

Closing balance 235.93 207.79

* Includes LAF Repo of ` 575 Cr (PY ` 2000 Cr) and MSF of ` 450 Cr (PY ` 800 Cr) outstanding as on31.03.2014

** Includes provision of ` 12.47 Cr (PY ` 11.27 Cr) made on NPI.

RBI circular DBOD.BP/BC.No. 41/21.04.141/2013-14 dated Aug 23, 2013 on “Investment Portfolio of Banks– Classification, Valuation and Provisioning” interalia provides Banks an option to distribute the netdepreciation on the entire Available for Sale (AFS) and Held for Trading (HFT) portfolios on each of thevaluation dates in the current financial year 2013-14, in equal instalments. The Bank has fully provided forthe depreciation on the AFS and HFT portfolios as on 31.03.2014.

iii) The particulars of repo transactions (including those from RBI under LAF Repo) are as under:

(` in crore)

Particulars Outstanding during the year As on

Minimum Maximum Daily average 31.03.2014

Securities sold under Repos

1) Govt. Securities NIL 2800.00 634.08 1025.00

2) Corporate debt securities NIL NIL NIL NIL

Securities purchased under reverse Repos



194

Repo Transactions 31.03.2013 (Previous Year) (` in crore)

Particulars Outstanding during the year As on

Minimum Maximum Daily average 31.03.2013

Securities sold under Repos

1) Govt. Securities NIL 3100.00 436.82 2800.00#


Securities purchased under reverse Repos



# ` 800.00 Cr borrowed under Marginal Standing Facility (MSF) from RBI as on 31.03.2013.

iv) Non-SLR Investment Portfolio

Issuer composition of Non-SLR Investments -31.03.2014 (` in crore)

Sl. Issuer Amount Extent of Extent of Extent of Extent ofNo. Private ‘Below ‘Unrated’ ‘Unlisted’

Placement Investment Securities SecuritiesGrade’

Securities (1) (2) (3) (4) (5) (6) (7)

(i) PSUs 2749.58 2684.07 2313.72 177.10 —

(ii) FIs** 4358.21 675.06 50.50 3683.14 50.50

(iii) Banks 1919.17 209.93 25.00 53.56 —

(iv) Private Corporate 355.11 226.60 162.23 112.01 —

(v) Subsidiaries/ Joint Ventures — — — — 32.67

(vi) Others 132.10 15.83 — 132.10 —

(vii) Provision held towards depreciationand NPI 195.02 X X X X X X X X X X X X

Total 9319.15 3811.49 2551.45 4157.91 83.17

Note:

Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.

** Includes the investment under RIDF of ` 3615.57 Cr.

195

Issuer composition of Non-SLR Investments -31.03.2013 (` in crore)

Sl. Issuer Amount Extent of Extent of Extent of Extent ofNo. Private ‘Below ‘Unrated’ ‘Unlisted’

Placement Investment Securities SecuritiesGrade’

Securities (1) (2) (3) (4) (5) (6) (7)

(i) PSUs 585.55 549.46 - - -

(ii) FIs** 3,279.39 3,216.72 60.00 - 55.50

(iii) Banks 754.66 256.03 10.00 - -

(iv) Private Corporate 428.79 347.16 130.89 13.77 37.79

(v) Subsidiaries/ Joint Ventures 8.06 8.06 - - -

(vi) Others 382.69 306.05 26.40 4.82 -

(vii) Provision held towards depreciationand NPI (218.84) X X X X X X X X X X X X

Total 5,220.30 4683.48 227.29 18.59 93.29

Note:

Amounts reported under columns 4, 5, 6 and 7 above may not be mutually exclusive.

** Includes the investment under RIDF of ` 2795.40 Cr

v) a) Non-Performing Non-SLR Investments (` in crore)

Particulars 31.03.2014 31.03.2013

Opening balance 11.27 17.50

Additions during the year 5.85 0.00

Reductions during the above period 0.00 6.23


Total provisions held 12.47 11.27

b) Movement in provision for Non Performing Investments (` in crore)

Particulars 31.03.2014 31.03.2013


Add: Provision made during the year 1.20 0.00

Less: Write off / write back of excess provisions 0.00 1.09


196

vi) Derivatives:

a) Forward Rate Agreement / Interest Rate Swap (` in crore)

Particulars 31.03.2014 31.03.2013

a. The notional principal of swap agreements NIL 150.00

b. Losses which would be incurred if counterparties failed to fulfiltheir obligations under the agreements NIL 0.69

c. Collateral required by the bank upon entering into swaps NIL NIL

d. Concentration of credit risk arising from the swaps NIL NIL

e. The fair value of the swap book NIL 0.02

1. Interest Rate Swaps were undertaken for the purpose of hedging interest rate risk on assets/liabilitiesand for trading purpose.

2. The terms of swaps are to receive fixed interest rate against floating interest rate or vice versa.

3. The counterparties for the swaps are banks and the exposure with each bank is within the approvedcredit exposure limits.

b) Exchange Traded Interest Rate Derivatives (` in crore)

Sl. Particulars 31.03.2014 31.03.2013No.

(i) Notional principal amount of exchange traded interest rate NIL NILderivatives undertaken during the year (instrument wise)

(ii) Notional principal amount of exchange traded interest rate NIL NIL derivatives outstanding as on 31st March 2014(instrument-wise)

(iii) Notional principal amount of exchange traded interest rate NIL NILderivatives outstanding and not “highly effective” (instrument-wise)

(iv) Mark-to-Market value of exchange traded interest rate NIL NILderivatives outstanding and not “highly effective” (instrument–wise)

vii) Disclosures on risk exposure in derivatives

a) Qualitative Disclosure

Bank has put in place a comprehensive derivative policy for undertaking derivative transactions forhedging, trading and servicing customers’ purpose as per RBI guidelines duly approved by the Board.The policy lays down the type, scope and usage with appropriate limits for derivative transactions.From the view point of operational efficiency and risk oversight the Derivatives desk is segregatedinto Front Office, Mid Office and Back Office with clear segregation of portfolio. The derivative hedgesare continuously monitored for effective performance as per laid down policy and corrective measuresare taken for mitigating the risk.

197

b) Quantitative Disclosures (` in crore)

Sl Particulars Currency Interest RateNo. Derivatives Derivatives

(i) Derivatives (Notional Principal Amount) NIL NIL

a) For Hedging NIL NIL

b) For Trading NIL NIL

(ii) Marked to Market Positions(1) NIL NIL

a) Asset(+) NIL NIL

b) Liability(-) NIL NIL

(iii) Credit Exposure(2) NIL NIL

(iv) Likely impact of one percentage change in interest rate (100*PV01) NIL NIL

a) On hedging derivatives NIL NIL

b) On trading derivatives NIL NIL

(v) Maximum and Minimum of 100*PV01 observed during the year NIL NIL

a) On hedging - Maximum - Minimum NIL NIL

b) On trading - Maximum - Minimum NIL NIL

viii) Asset Quality

a) Non Performing Asset (` in crore)

Particulars 31.03.2014 31.03.2013

(i) Net NPAs to Net Advances (%) 1.55 1.30

(ii) Movement of NPAs (Gross)


Additions during the year 2173.87 1601.42

Reductions during the year 1720.95 1786.94


(iii) Movement of Net NPAs


Additions /( reductions) during the year 352.68 (88.32)


198

Particulars 31.03.2014 31.03.2013

(iv) Movement of provisions for NPAs*


Provisions made during the year 400.29 437.80

Write-off 309.61 534.75


(*excluding provisions on standard assets and including floating provision)

b) Details of Loan Assets subjected to Restructuring (` in crore)


a. Total amount of loan assets subjected to restructuring,re-scheduling, re-negotiation 4234.51 4635.71

Of which under CDR 1505.42 920.91

b. The amount of Standard assets subjected to restructuring,re-scheduling, re-negotiation 3979.17 4233.47

Of which under CDR 1381.38 920.91

c. The amount of sub-standard assets subjected torestructuring, rescheduling, renegotiation 71.71 112.10

Of which under CDR 52.73 NIL

d. The amount of doubtful assets subjected to restructuring,rescheduling, renegotiation 183.63 290.14

Of which under CDR 71.31 NIL

Note: (a = b + c + d)

(` in crore)

Debt restructuring for SME accounts 31.03.2014 31.03.2013

a. Total amount of assets of SMEs subjected to restructuring (b+c+d) 115.03 123.75

b. Amount of standard assets of SMEs subjected to restructuring 31.67 56.72

c. Amount of sub-standard assets of SMEs subjected to restructuring 8.39 1.54

d. Amount of doubtful assets of SMEs subjected to restructuring 74.97 65.49

199

c) Particulars of Accounts Restructured (` in crore)

No. of borrowers 27 0 2 0 29 29 85 1436 182 1732 2860 416 2982 169 6427 2916 501 4420 351 8188

Amount 824.93 0 26.24 0 851.17 15.44 1.55 14.32 51.16 82.47 3173.51 96.63 192.85 5.56 3468.55 4013.88 98.18 233.41 56.72 4402.19outstanding

Provision there- (74.53) 0 0 0 (74.53) (1.3) 0 0 0 (1.3) (24.09) (0.1) (0.58) (0.08) (24.85) (99.92) (0.1) (0.58) (0.08) (100.68)on (Economicloss)

No. of borrowers 13 0 9 0 22 26 1 8 0 35 614 22 5 0 641 653 23 22 0 698

Amountoutstanding 417.47 0 41.68 0 459.15 10.99 0 9.23 0 20.22 849.78 0.16 0 0 849.94 1278.24 0.16 50.91 0 1329.31

Provisionthereon 57.88 0 4.71 0 62.59 0.15 0 0.07 0 0.22 6.63 0 0 0 6.63 64.66 0 4.78 0 69.44

No. of borrowers 0 0 0 0 0 2 6 25 0 33 43 18 3 0 64 45 24 28 0 97

Amountoutstanding 0 0 0 0 0 3.21 0.2 1.8 0 5.21 34.55 26.04 12.15 0 72.74 37.76 26.24 13.95 0 77.95

Provisionthereon 0 0 0 0 0.00 0.00 0.01 0.17 0.00 0.18 22.05 0.73 0.29 0.00 23.07 22.05 0.74 0.46 0.00 23.25

No. of borrowers 10 0 0 0 10 272 0 0 0 272 2626 0 0 0 2626 2908 0 0 0 2908

Amountoutstanding 287.51 0 0 0 287.51 17.26 0 0 0 17.26 1154.55 0 0 0 1154.55 1459.32 0 0 0 1459.32

Provisionthereon 62.46 0 0 0 62.46 0.13 0 0 0 0.13 17.78 0 0 0 17.78 80.37 0 0 0 80.37

No. of borrowers 0 1 0 0 1 5 11 2 0 18 23 30 17 1 71 28 42 19 1 90Amountoutstanding 0 3.39 0 0 3.39 0.33 0.621 0.01 0 0.961 66.56 2.737 0.39 0.03 69.72 66.89 6.748 0.4 0.03 74.07Provisionthereon 0 0.97 0 0 0.97 0 0 0 0 0 0 0 0 0 0.00 0 0.97 0 0 0.97

No. of borrowers 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Amountoutstanding 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.00 0 0 0 0 0.00

No. of borrowers 30 0 11 0 41 (220) 0 0 0 (220) 914 0 0 0 914 724 0 11 0 735

Amountoutstanding 954.89 0 67.92 0 1022.81 12.05 0 0 0 12.05 2969.85 0 0 0 2969.85 3936.79 0 67.92 0 4004.71

Provisionthereon (79.11) (0.97) 4.71 0 (75.37) (1.28) 0.01 0.24 0 (1.03) (13.19) 0.63 (0.29) (0.08) (12.85) (93.58) (0.33) 4.66 (0.08) (89.25)

Sl.No. Details

Under CDR Mechanism (Part C)Stand-

ardSub-

StandardDoubt-

fulLoss Total Stand-

ardSub-

StandardDoubt-

fulLoss Total Stand-

ardSub-

StandardDoubt-

fulLoss Total

Under SME Debt Restructuring Mechanism Others (Part A & B) TotalStand-

ardSub-

StandardDoubt-

fulLoss Total

1 RestructuredAccountsas on April 1, 2013(Excluding theaccounts restructedbefore 31st March,2010)

2 Fresh restructuringduring theFY 2013-14

3 Upgradations torestructuredstandard categoryduring theFY 2013-14

4 Restructuredstandard advanceswhich cease to attracthigher provisioningand/or additional riskweight at the end ofthe FY 2014 andhence need not beshown as restructuredstandard advancesat the beginning ofthe next FY 2013-14(accounts restructuredbefore 31st March, 2011)

5 Downgradations ofrestructuredaccounts during theFY 2013-14

6 Write-offs ofrestructuredaccounts during theFY 2013-14

7 RestructuredAccounts as onMarch 31 of FY2014

200

d) In respect of the advances restructured under the Prudential Guidelines of the Reserve Bank of Indiadated 27th August 2008 and the subsequent clarifications / guidelines issued from time to time in thisrespect, the Bank has provided a sum of ` 84.42 Crores (previous year ` 81.36 Crores) during theyear as diminution in the fair value of advances on account of such restructuring which in the Bank'sopinion is considered adequate on such restructured advances. The full implementation of the conditionslaid down for restructuring in the said Circular are being complied with.

e) Details of Assets sold to Securitisation Company (SC) / Reconstruction Company (RC), for AssetsReconstruction

(` in crore)


1 Number of accounts 9 NIL

2 Aggregate Value (net of provisions) of accounts sold to SC/ RC 37.68 NIL

3 Aggregate consideration 110.36 NIL

4 Additional consideration realised in respect of accountstransferred in earlier years NIL NIL

5 Aggregate gain / loss over net book value 72.68 NIL

f) Details of non-performing financial assets purchased/sold

i) Details of non-performing financial assets purchased (` in crore)

Particulars 31.03.2014 31.03.2013

1 (a) No. of accounts purchased during the year NIL NIL

(b) Aggregate outstanding NIL NIL

2 (a) Of these, number of accounts restructured during the year NIL NIL

(b) Aggregate outstanding NIL NIL

ii) Details of non-performing financial assets sold (` in crore)

Particulars 31.03.2014 31.03.2013

1. No. of accounts sold 9 NIL

2. Aggregate outstanding 83.34 NIL

3. Aggregate consideration received 110.36 NIL

g) Provision on Standard Asset (` in crore)

Particulars 31.03.2014 31.03.2013

Provisions towards Standard Assets 424.02 342.19

TOTAL 424.02 342.19

201

h) Business Ratios (` in crore)

Particulars 31.03.2014 31.03.2013

Interest Income as a percentage to Working Funds 9.08% 9.27%

Non-interest income as a percentage to Working Funds 0.60% 0.62%

Operating Profit as percentage to Working Funds 0.94% 1.15%

Return on Average Assets 0.35% 0.59%

Average Business [Deposits + Advances] per employee 13.82 12.40

Net profit per employee 0.03 0.05

ix) Asset Liability Management : Maturity pattern of certain items of assets and liabilities:(` in crore)

1 day 2-7 8-14 15-28 29 days to Over 3 Over 6 Over 1 Over 3 Over 5 Totaldays days days 3 months months to months to year to years to years

6 months 1 year 3 years 5 years

Deposits 494.28 4037.35 2341.25 3783.15 26275.54 11030.34 44080.03 9343.92 22368.52 541.78 124296.16

Advances* 752.31 368.84 679.59 777.28 5553.56 4364.71 5206.63 43700.82 9668.03 10432.26 81504.03

Investments* 195.15 1744.95 148.72 1211.48 1782.72 842.48 2069.35 6927.47 9845.15 17817.91 42585.38

Borrowings** 350.00 2552.76 0.00 0.00 0.00 45.38 45.73 500.93 400.00 850.00 4744.80

Foreign CurrencyAssets 124.62 609.07 5.99 23.63 57.21 90.31 14.41 0.00 0.00 0.65 925.89

Foreign CurrencyLiabil i t ies 709.97 0.96 5.04 0.94 16.73 28.23 72.17 39.67 52.17 0.00 925.89

Assets and Liabilities are classified as per the guidelines issued by the Reserve Bank of India, compiledby the management and relied upon by the auditors.

* Figures are broadly net of provision

** Borrowings in India

x) Lending to Sensitive Sectors

a) Exposure to Real Estate Sector (` in crore)

Particulars 31.03.2014 31.03.2013

1) Direct exposure

a. Residential mortgages

(i) Lendings fully secured by mortgages on residential 7659.72 6468.16property that is or will be occupied by the borroweror that is rented

(ii) Individual housing loans eligible for inclusion in 4627.85 4377.15priority sector advances (included in the above)

202

Particulars 31.03.2014 31.03.2013

b. Commercial Real Estate and Income Producing Real Estate 5725.31 3833.86Lendings secured by mortgages on commercial real estates(office buildings, retail space, multi-purpose commercialpremises, multi-family residential buildings, multi-tenantedcommercial premises, industrial or warehouse space, hotels,land acquisition, development and construction, etc.)Exposure also includes non-fund based (NFB) limits:

c. Investments in Mortgage Backed Securities (MBS) andother securitised exposures -

i) Residential NIL NIL

ii) Commercial Real Estate 1.91 3.33

2) Indirect Exposure

Fund based and non-fund based exposures on NationalHousing Bank (NHB) and Housing Finance Companies (HFCs) 3820.73 1415.00

Total exposure to real estate sector 17207.67 11720.35

b) Exposure to Capital Market (` in crore)

Sl Particulars 31.03.2014 31.03.2013No.

(i) Direct investment in equity shares, convertible bonds, convertible 229.18 225.25

debentures and units of equity oriented mutual funds the corpus

of which is not exclusively invested in corporate debt.

(ii) Advances against shares/bonds/debentures or other securities NIL 0.07

or on clean basis to individuals for investment in shares

(including IPOs/ESOPs), convertible bonds, convertible

debentures, and units of equity oriented mutual funds.

(iii) Advances for any other purpose where shares or convertible NIL NIL

bonds or convertible debentures or units of equity oriented

mutual funds are taken as primary security.

(iv) Advances for any other purpose to the extent secured by the NIL NIL

collateral security of shares or convertible bonds or convertible

debentures or units of equity oriented mutual funds i.e., where

the primary security other than shares/ convertible bonds/

convertible debentures/units of equity oriented mutual funds

does not fully cover the advances.

(v) Secured and unsecured advances to stockbrokers and guarantees 50.00 75.00

issued on behalf of stock brokers and market markers.

203

Sl Particulars 31.03.2014 31.03.2013No.

(vi) Loans sanctioned to corporates against the security of shares/ NIL NIL

bonds/debentures or other securities or on clean basis for

meeting promoter’s contribution to the equity of new companies

in anticipation of raising resources.

(vii) Bridge loans to companies against expected equity flows/issues. NIL NIL

(viii) Underwriting commitments taken up by the banks in respect

of primary issue of shares or convertible bonds or convertible

debentures or units of equity oriented mutual funds. NIL NIL

(ix) Financing to stock brokers for margin trading. NIL NIL

(x) All exposures to Venture Capital Funds (both registered and

unregistered) 15.83 14.50

Total exposure to capital market 295.01 314.82

xi) Risk Category-wise Country Exposure (` in crore)

Risk Category Exposure (net) Provision held Exposure (net) Provision held

as at 31.03.2014 as at 31.03.2014 as at 31.03.2013 as at 31.03.2013

Insignificant 1022.08 NIL 500.66 NIL

Low 234.16 NIL 226.62 NIL

Moderate 43.54 NIL 29.06 NIL

High 14.98 NIL 1.20 NIL

Very High 1.62 NIL NIL NIL

Restricted NIL NIL NIL NIL

Off credit NIL NIL NIL NIL

Total 1316.38 NIL 757.54 NIL

The net funded exposure of the Bank in respect of foreign exchange transactions with each country is

within 1% of the total assets of the Bank and hence no provision is required to be made as per the

Reserve Bank of India Circular DBOD. BP.BC.71/21.01.103/2002-03 dated 19.02.2003 read with

DBOD.BP.BC.96/21.04.103/2003-04 dated 17.06.2004.

204

xii) Details of Credit Exposures where the Bank had exceeded the Prudential Exposure during the year

(A) INDIAN FARMERS FERTILISER COOPERATIVE LTD (IFFCO):(` in crore)

1 1359.45 1255.00 553.99 April-13 NIL

307.01 May-13 NIL

1.03 June-13 NIL

0.00 July-13 NIL

0.00 August-13 NIL

0.00 September-13 NIL

0.70 October-13 NIL

0.00 November-13 NIL

2 1431.00 1255.00 0.00 December-13 NIL

0.00 January-14 NIL

3 1431.00 1259.07 4.06 February-14 NIL

4 1073.25 504.07 501.30 March-14 NIL

SlNo.

Exposure ceiling@ 15% as applicable toindividual borrowers

LimitSanctioned

BalanceOutstand-

ing Month Amount

Period during whichlimit exceeded Board Sanction details:

BalanceOutstanding

as on31.03.2014

PRUDENTIAL EXPOSURE CEILING: 15%+5% [subject to compliance of Conditions required under“Exceptional circumstances”] ; [`1019.59 crores + 339.86 crores i.e., 1359.45 crores from April 2013 toNovember 2013 ; and ` 1073.25 crores + ` 357.75 crores i.e, ` 1431.00 crores from December 2013 toMarch 2014 ]

The Board of Directors has accorded approval under the guidelines on "Prudential Exposure Norms", uponcompliance of conditions relating to "Exceptional Circumstances" vide Board Resolution No.02/2013 dated01.03.2013. However, there has been no utilization of the limit from June 2013 to February 2014 and theutilization during April 2013, May 2013 and March 2014 is within the Prudential Exposure Norms.

xiii) Concentration of Deposits, Advances, Exposures and NPAs (as compiled by the Bank)

a) Concentration of Deposits (` in crore)

Total Deposits of twenty largest depositors 16985

Percentage of Deposits of twenty largest depositors to Total Deposits of the bank 13.66%

Board Sanction details:v Line of Credit by way of OD

enhanced from 925.00 crores to 1255.00 crore at our Nehru Place

Branch, Delhi. [Approved videProceedings No. MC: A: 22 &27:2013 Dated 23.02.2013 for aperiod of one year from the dateof sanction.

v Ratification of action of Branch inallowing operations beyond the duedate 23.02.2014 upto the24.03.2014 videMC: A: 65/2014 dated24.03.2014

v Line of Credit by way of ODrenewed with reduction from

1255.00 crores to 500.00 croreat our Nehru Place Branch, Delhi.[Approved vide Proceedings No.MC: A: 65/2014 Dated 24.03.2014for a period of one year from thedate of sanction.

501.30

205

b) Concentration of Advances (` in crore)

Total Advances of twenty largest borrowers 16900.83

Percentage of Advances to twenty largest borrowers to Total Advances of the bank 16.57%

c) Concentration of Exposures (` in crore)

Total Exposure of twenty largest borrowers/customers 18649.94

Percentage of Exposures to twenty largest borrowers/customers toTotal Exposure of the bank on borrowers/customers 18.28%

d) Concentration of NPAs (` in crore)

Total Exposure of top four NPA accounts 399.84

xiv) Sector-wise NPAs

Sl. Sector Percentage of NPAs toNo. Total Advances in that sector

1 Agriculture & allied activities 4.63

2 Industry (Micro & small, Medium and Large) 4.71

3 Services 2.74

4 Personal Loans 2.52

xv) Movement of NPAs

Particulars ` in crore

Gross NPAs as on 1st April 2013 (Opening Balance) 1532.94

Additions (Fresh NPAs) during the year 2173.87

Sub-total (A) 3706.81

Less:-

(i) Upgradations 989.15

(ii) Recoveries (excluding recoveries made from upgraded accounts) 435.94

(iii) Write-offs & Others 295.86

Sub-total (B) 1720.95

Gross NPAs as on 31st March 2014 (A-B) 1985.86

206

(xvi) Technical written off and recoveries made thereon: (` in crore)

Particulars 31.03.2014 31.03.2013

Opening balance of technical/prudential written-off accounts 1337.62 929.38

Add: Technical/Prudential writeoff during the year 293.36 534.75

Sub Total 1630.98 1564.13

Less: Recoveries made from previously technical/prudential written-off accounts during the year 94.30 173.49


xvii) Overseas Assets, NPAs and Revenue : NIL

xviii) Off-balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)

Name of the SPV sponsored

Domestic Overseas

NIL NIL

xix) Provision coverage ratio (PCR): Provision Coverage ratio as of 31.03.2014 is 64.05% (previous year68.31%) as per RBI guidelines. However, the Bank has achieved the PCR as envisaged in RBI circularDBOD. No.BP.BC.87-21.048/2010-11 dt.21.04.2011.

xx) Unsecured advances: The Bank has no unsecured advances wherein intangible securities have beentaken as collateral securities.

xxi) During the year 2013 - 2014, the bank had issued 211 letters of comfort amounting to USD 13,07,85,850.77covering import of goods into India. These letters of comfort have been issued after due assessment of itsfinancial impact on the bank and with the approval of the competent authorities. As on the date of thebalance sheet 81 letters of comfort amounting to USD 3,83,48,781.36 (approximately ` 229.78 crores@ USD 1 = 59.92) are outstanding which, in the opinion of the management, will not have any significantimpact on the bank's financial position.

xxii) Fees / remuneration from insurance business during 2013-14

Sl No Nature of Income 2013-14 (` in crore)

1 For selling life insurance policies 3.05

2 For selling non-life insurance policies 2.09

3 For selling mutual fund products NIL

4 Others (Specify) NIL

7. Compliance with information to be disclosed under Accounting Standards notified by the Ministry ofCorporate Affairs under Companies(Accounting Standards) Rules, 2006:

i) There were no material prior period income/ expenditure required to be disclosed as per AS-5.

ii) In terms of accounting policy No.9 of the Bank, some items are recognised on cash basis. However, themanagement is of the view that since the amount involved is not material, it does not require any disclosureunder AS-9.

207

iii) The Bank is revaluing foreign currency transactions consistently at the weekly average rate of the lastweek of the preceding month, prescribed by FEDAI, instead of the rate at the date of the transaction as perAS 11. The management is of the view that there is no material impact on the accounts for the year.

iv) The following information is disclosed under AS-15. (` in crore)

Sl. Particulars Pension Pension Pension Pension Pension No. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10

I. Principal Actuarial Assumptions

Discount Rate 8.50% 8.00% 9.00% 8.50% 8.40%

Salary escalation rate 5.50% 5.50% 1.50% 4.25% 5.50%

Attrition rate 1.00% 1.00% 1.00% 0.75% 1.50%

Expected rate of return on Plan Assets 9.50% 8.70% 8.30% 8.30% 8.70%

II. Changes in the Present Value of the Obligation (PVO)

PVO as at the beginning of the period 2009.65 1908.35 1832.94 651.12 525.50

Interest Cost 161.48 146.22 158.98 50.37 40.58

Current Service Cost 268.90 307.99 18.55 35.81 28.90

Benefits Paid (219.72) (161.16) (132.97) (102.84) (36.58)

Actuarial (gain) / loss on obligation (balancing figure) (87.47) (191.75) 30.85 120.17 92.72

PVO as at the end of the period 2132.84 2009.65 1908.35 1832.94 651.12

III. Changes in the Fair Value of Plan Assets

Fair Value of Plan Assets as at the beginning of the period 1963.99 1876.33 1739.28 541.35 403.87

Expected return on Plan Assets 186.58 163.24 144.07 96.49 38.36

Contributions 271.58 92.01 116.53 1238.37 118.90

Benefits Paid (219.72) (161.16) (132.97) (102.84) (36.58)

Actuarial gain / (loss) on Plan Assets 43.64 (6.43) 9.42 (34.09) 16.81

Fair Value of Plan Assets as at the end of the period 2246.06 1963.99 1876.33 1739.28 541.35

IV. Actual Return on Plan Assets

Expected return on Plan Assets 186.58 163.24 144.07 96.49 38.36

Actuarial gain / (loss) on Plan Assets 43.64 (6.43) 9.42 (34.09) 16.81

Actual return on Plan Assets 230.22 156.81 153.49 62.40 55.17

V. Actuarial gain / (loss) recognised

Actuarial gain / (loss) for the period – Obligation 87.47 191.75 (30.85) (120.17) (92.72)

Actuarial gain / (loss) for the period – Plan Assets 43.64 (6.43) 9.42 (34.09) 16.81

Total gain / (loss) for the period 131.11 185.32 (21.43) (154.26) (75.91)

Actuarial gain / (loss) recognised in the period 131.11 185.32 (21.43) (154.26) (75.91)

208

Sl. Particulars Pension Pension Pension Pension Pension No. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10

VI. Amounts recognised in the Balance Sheet and related analysisPresent Value of the obligation 2132.84 2009.65 1908.35 1832.94 651.12Fair Value of Plan Assets 2246.06 1963.99 1876.34 1739.28 541.35Funded Status [Surplus/(Deficit)] 113.22 (45.66) (32.02) (93.66) (109.77)Amount recognised in the Balance Sheet 113.22 (45.66) (32.02) 268.58 (109.77)

VII. Expenses recognised in the Statement of Profit and LossCurrent Service Cost 268.90 307.99 18.55 35.81 28.90Interest Cost 161.48 146.22 158.98 50.37 40.58Expected return on Plan Assets (186.58) (163.24) (144.07) (96.49) (38.36)Net Actuarial (gain) / loss recognised in the year (131.11) (185.32) 21.43 154.26 75.91Expenses recognised in the statement of Profit and Loss 112.69 105.65 54.88 860.01 107.03

VIII. Movements in the liability recognised in the Balance SheetOpening net liability 45.66 32.02 93.67 109.77 121.64Expense as above 112.70 105.65 54.88 860.01 107.03Contribution Paid (271.58) (92.01) (116.53) (1238.36) (118.90)Closing Net Liability (113.22) 45.66 32.02 (268.58) 109.77

IX. Amount for the Current PeriodPresent Value of obligation 2132.84 2009.65 1908.35 1832.95 651.12Plan Assets 2246.06 1963.99 1876.34 1739.28 541.35Surplus / (Deficit) 113.22 (45.66) (32.02) (93.67) (109.77)Experience adjustments on Plan Liabilities – gain / (loss) 87.47 191.75 (30.85) (343.33) (24.50)Experience adjustments on Plan Assets – gain / (loss) 43.64 (6.43) 9.42 34.09 16.81

Sl. Particulars Gratuity Gratuity Gratuity Gratuity Gratuity No. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10

I. Principal Actuarial AssumptionsDiscount Rate 8.50% 8.00% 8.00% 8.20% 8.20%Salary escalation rate 5.50% 5.50% 4.00% 4.25% 5.50%Attrition rate 1.00% 1.00% 1.50% 0.75% 1.50%Expected rate of return on Plan Assets 8.50% 8.50% 8.30% 8.30% 8.30%

II. Changes in the Present Value of the Obligation (PVO)

PVO as at the beginning of the period 343.85 392.95 400.74 241.22 226.10

Interest Cost 26.49 28.51 29.24 17.67 15.78

Current Service Cost 17.45 17.01 15.08 8.44 13.56

Benefits Paid (64.50) (73.09) (70.45) (51.51) (19.83)

Actuarial (gain) / loss on obligation (balancing figure) (7.36) (21.53) 18.34 53.04 5.60

PVO as at the end of the period 315.93 343.85 392.95 400.74 241.22

209

Sl. Particulars Gratuity Gratuity Gratuity Gratuity Gratuity No. 31.03.14 31.03.13 31.03.12 31.03.11 31.03.10

III. Changes in the Fair Value of Plan AssetsFair Value of Plan Assets as at the beginning of the period 368.24 402.80 407.96 263.06 251.24Expected return on Plan Assets 31.30 34.24 31.70 26.63 19.47Contributions 21.00 31.50 16.00 167.16 4.00Benefits Paid (64.50) (73.09) (70.45) (51.52) (19.83)Actuarial gain / (loss) on Plan Assets (1.90) (27.21) 17.59 2.63 8.18Fair Value of Plan Assets as at the end of the period 354.14 368.24 402.80 407.96 263.06

IV. Actual Return on Plan AssetsExpected return on Plan Assets 31.30 34.24 31.70 26.63 19.47Actuarial gain / (loss) on Plan Assets (1.90) (27.21) 17.59 2.63 8.17Actual return on Plan Assets 29.40 7.03 49.29 29.26 27.64

V. Actuarial gain / (loss) recognisedActuarial gain / (loss) for the period – Obligation 7.36 21.53 (18.33) (53.04) (5.60)Actuarial gain / (loss) for the period – Plan Assets (1.90) (27.21) 17.59 2.63 8.17Total gain / (loss) for the period 5.46 (5.68) (0.74) 50.41 (2.57)Actuarial gain / (loss) recognised in the period 5.46 (5.68) (0.74) 50.41 (2.57)

VI. Amounts recognised in the Balance Sheet and related analysisPresent Value of the obligation 315.93 343.85 392.95 400.74 241.22Fair Value of Plan Assets 354.14 368.24 402.80 407.96 263.06Funded Status [Surplus/(Deficit)] 38.21 24.39 9.85 7.22 21.84Amount recognised in the Balance Sheet 38.21 24.39 9.85 104.18 —

VII. Expenses recognised in the Statement of Profit and LossCurrent Service Cost 17.45 17.01 15.08 8.44 13.57Interest Cost 26.49 28.51 29.24 17.67 15.78Expected return on Plan Assets 31.30 (34.24) (31.70) (26.63) (19.47)Net Actuarial (gain) / loss recognised in the year (5.46) 5.68 0.75 50.42 (2.57)Expenses recognised in the statement of Profit and Loss 7.18 16.96 13.37 84.81 29.14

VIII. Movements in the liability recognised in the Balance SheetOpening net liability (24.39) (9.85) (7.22) (21.83) (25.14)Expense as above 7.18 16.96 13.37 84.81 29.14Contribution Paid (21.00) (31.50) (16.00) (167.16) (4.00)Closing Net Liability (38.21) (24.39) (9.85) (104.18) --

IX. Amount for the Current PeriodPresent Value of obligation 315.93 343.85 392.95 400.73 241.22Plan Assets 354.14 368.24 402.80 407.96 263.06Surplus / (Deficit) 38.21 24.39 9.85 7.22 21.83Experience adjustments on Plan Liabilities – gain / (loss) 7.36 21.53 (18.33) (77.05) (11.65)Experience adjustments on Plan Assets – gain / (loss) (1.90) (27.21) 17.59 2.63 8.18

210

v) Details of Provisions as per AS-15 made for various Long Term Employee Benefits during the yearare as follows:

(` in crore)

Sl.No. Other Long Term Benefits 31.03.2014 31.03.2013

1. Pension 258.37* 210.212. Leave Encashment NIL 6.333. Gratuity 31.74 36.544. Sick Leave -17.38# 1.91

(*includes 51.12 cr towards additional liability considering 10% hike in wages under 10th bipartite settlementas per the actuarial estimation.)

#The bank has reversed provision held for sick leave as the same is considered not required.

vi) During the year 2010-11, the Reserve Bank of India has issued a circular no.DBOD.BP.BC.80/21.04.018/2010-11 on Re-opening of Pension Option to Employees of Public Sector Banks and Enhancement inGratuity Limits – Prudential Regulatory Treatment, dated 9th February, 2011. In accordance with the provisionsof the said Circular, ` 596 crores identified in the year 2010-11 is being amortised over a period of fiveyears. Accordingly, 119 crores (representing one-fifth of 596 crores) has been charged to the Profit andLoss Account. In terms of the requirements of the aforesaid RBI circular, the balance amount carriedforward is ` 119 crores.

The above has resulted in decrease in the profit of the bank for the current year by ` 119 crores andcorresponding increase in accumulated profits of the Bank by ` 119 crores with corresponding increase inthe Current Assets of the Bank by the same amount.

vii) Segment Reporting (AS-17)

(` in crore)

Business Segments# Treasury Corporate/Wholesale Retail Banking Other Banking TotalBanking Operations

31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13 31.03.14 31.03.13

Revenue 3215.20 2375.67 5169.14 4452.88 2547.03 2360.75 485.05 469.58 11416.42 9658.88

Result 560.77 (550.50) (577.98) 1123.65 786.38 198.36 398.71 391.98 1167.88 1163.49Unallocated Expenses 64.15 41.46

Operating Profit 1103.73 1122.03

Provisions & Contingencies 655.78 545.48

Provision for Taxes 32.04 (9.06)

Extraordinary Profit/Loss NIL NIL

Net Profit 415.91 585.61

OTHER INFORMATION

Segment Assets 49097.52 35914.73 59320.90 49577.75 26217.51 23172.42 371.22 320.02 135007.15 108984.92

Unallocated Assets 2139.57 1996.83

Total Assets 137146.72 110981.75

Segment Liabilities 48842.99 35857.31 57239.30 47702.54 25173.54 21860.11 2.98 3.15 131258.81 105423.11

Unallocated Liabilities 5887.91 5558.64

Total Liabilities 137146.72 110981.75

211

# For the purpose of segment reporting in terms of AS-17 and as prescribed in RBI guidelines, thebusiness of the Bank has been classified into four segments i.e., a) Treasury Operations (b) Corporate/Wholesale Banking, (c) Retail Banking and (d)Other Banking Operations

# Since the Bank does not have any Overseas branch, reporting under geographic segment is notapplicable.

# Expenses wherever directly related to segments have been accordingly allocated to segments andwherever not directly related have been allocated on the basis of segment revenue.

# Assets/Liabilities wherever directly related to segments have been accordingly allocated to segmentsand wherever not directly related have been allocated on the basis of segment revenue/segmentsassets ratio.

The above information has been compiled based on data available at Head Office.

viii) The Bank has identified the following as related party as per AS-18 on Related Party Disclosures

a) Key Management Personnel :

1) Shri H.S. Upendra Kamath, Chairman & Managing Director

2) Shri V Kannan, Chairman & Managing Director

3) Shri K.R. Shenoy, Executive Director

4) Shri B.S. Rama Rao, Executive Director

The transactions with Related parties during the year are as under:

a) i) Remuneration paid to Key Management Personnel during the year

Shri H.S. Upendra Kamath, C & MD (01.04.2013 to 31.12.2013) ` 24,52,202.00

Shri V Kannan, C & MD (01.01.2014 to 31.03.2014) ` 4,53,083.00

Shri K.R. Shenoy, ED (01.04.2013 to 31.03.2014) ` 22,37,830.00

Shri B.S. Rama Rao, ED (27.09.2013 to 31.03.2014) ` 8,39,860.00

b) There has been no transaction with the relatives of the Key Management Personnel during the year.

c) Associates: NIL(` in lacs)

Particulars Details of Transaction Amount outstanding Maximumby Associate with Bank as on 31.03.2014 during the year

Borrowings Cash CreditOverdraft N.A. N.A.

Deposits Fixed DepositsCurrent Account N.A. N.A.

Investments SharesBonds N.A. N.A.

Interest received N.A. N.A.

Interest paid N.A. N.A.

Dividend on shares N.A. N.A.

212

ix) Leases (AS -19)

a) Lease rent paid for operating leases are recognized as an expense in the Profit & Loss Account in theyear to which it relates.

b) Future Lease Rent Payable for operating lease :(` in crore)

Particulars 31.03.2014 31.03.2013

Not Later than 1 year 94.03 82.42

Later than 1 year but not Later than 5 years 376.11 329.69

Later than 5 years 282.08 247.27

Total 752.22 659.38

Amount Charged to P&L 95.24 80.58

c) Future lease rents and escalation in the rent are determined on the basis of agreed terms.

d) At the expiry of initial lease term, generally the Bank has an option to extend the lease for a furtherpre-determined period.

e) The Bank does not have any financial lease.

x) Earning Per Share (AS-20)

The Bank reports basic earnings per equity share in accordance with Accounting Standard 20 on “Earningsper Share”. Basic earnings per share for the period is computed by dividing net profit after tax by theweighted average number of equity shares outstanding during the year.

Calculation of Basic EPS/ Dilutive 31.03.2014 31.03.2013

a. Net Profit after tax available for equity share holders ( in Crores) 415.91 466.27

b. Weighted average number of equity shares (Numbers in crore) 54.47 49.55

c. Basic EPS/ Dilutive (in rupees) 7.64 9.41

d. Nominal Value per share (in rupees) 10 10

xi) Accounting for Taxes on Income (AS-22)

The Bank has accounted for Taxes on Income in compliance with Accounting Standard 22 - “Accounting forTaxes on Income” issued by the ICAI. Accordingly, deferred tax assets and liabilities are recognised.

a) The components of deferred tax are as under: (` in crore)

Timing Difference Deferred Tax Asset Deferred tax liability

31.03.2014 31.03.2013 31.03.2014 31.03.2013

1. Provision for leave encashment 4.02 50.41 NIL NIL

2. Fixed Assets 0.92 0.59 NIL NIL

3. Unamortization pension NIL NIL (29.21) 61.35

4. Unamortization gratuity NIL NIL (7.59) 15.94

5. Provision for Restructured Advances 26.21 40.83 NIL NIL

213

b) Pursuant to Reserve Bank of India’s (RBI’s) Circular No. DBOD No.BP.BC.77/21.04.018/2013-14 dated20th December 2013, the Bank has created Deferred Tax Liability on the Special Reserve under section36(1)(viii) of the Income-tax Act, 1961. As required by the said RBI Circular, the expenditure, amountingto 157. 62 crores due to the creation of DTL on Special Reserve as at March 31, 2013, not previouslycharged to the Profit and Loss Account, has now been adjusted directly from the accumulated profitsas on 31.03.2013. Had this amount been charged to the Profit & Loss Account in accordance with thegenerally accepted accounting principles in India, the amount of Profit for year would have been lowerto that extent.

c) Amount of provisions made for Income Tax during the year:(` in crore)

Particulars 31.03.2014 31.03.2013

Provision for Income Tax 210.00* 73.40

Provision for deferred tax (67.96) (82.46)

MAT Credit Entitlement (110.00) Nil

*Provision for Income Tax includes Rs 90.00 crores towards disputed tax of earlier periods.

xii) In the opinion of the Management, there is no material impairment of any of the Fixed Assets of the Bankas per Accounting Standard 28 – Impairment of Assets.

8. I) Customer Complaint

31.03.2014

(a) No. of complaints pending at the beginning of the year 18

(b) No. of complaints received during the year 1603

(c) No. of complaints redressed during the year 1577

(d) No. of complaints pending at the end of the year 44

II) Please find the complaint details related to ATM transactions.

31.03.2014

1 No. of issues pending at the beginning of the year 64

2 No. of issues received during the year 17338

3 No. of issues resolved during the year 17306

4 No. of issues pending at the end of the year 96

9. Awards passed by the Bank’s ombudsman

31.03.2014

(a) No. of unimplemented Awards at the beginning of the year 1

(b) No. of Awards passed by the Banking Ombudsmen during the year 2

(c) No. of Awards implemented during the year 3

(d) No. of unimplemented Awards at the end of the year 0

214

10. In Dec’13 the Bank has issued 5,89,34,464 equity shares of ` 10 each to Government of India at a premium of` 32.42 per share on preferential basis. In the month of Feb’14, the Bank has converted the Perpetual Non-Cumulative Preference Share Capital of ` 1200 crores held by Government of India into equity share capital ata premium of ` 29.39 Per share with face value of ` 10/- each.

11. During the financial year 2013-14, bank has been subjected to a penalty of ` 2 crore by RBI vide letter no. 735/27.01002/2013-14 dated 12th July 2013 issued under Section 46(4)(i) of the Banking Regulation Act 1949 forviolation of its provision which was paid to RBI on 19.07.2013. Also penalty of ` 2.26 crores was levied by RBIon account of shortage of cash in one of its currency chests which was paid on 11.03.2014.

12. Break up of provisions and contingencies(` in crore)

Break up of ‘Provisions and contingencies’ shown under the head 31.03.2014 31.03.2013Expenditure in Profit and Loss A/c

Provision for depreciation on investment 120.01 (48.42)

Provisions towards NPA 380.82 428.36

Provisions towards Standard Assets (including Restructured Std.) 153.21 164.12

Provisions made towards Income Tax (net):

i) Current Tax 210.00 73.40

ii) Deferred Tax (67.96) (82.46)

iii) MAT Credit Entitlement (110.00) Nil

Other Provision and Contingencies :

i) Provision for Contingencies 42.68 0.13

ii) Others (5.01) 7.76

iii) Excess Provision written back (35.93) (6.47)

Total 687.82 536.42

13. Floating Provisions (` in crore)

Particulars 31.03.2014 31.03.2013

(a) Opening balance 213.00 213.00

(b) Floating provisions made during the year NIL NIL

(c) Amount withdrawn during the year 70.29 NIL

(d) Closing balance 142.71 213.00

Note: Floating provision has been utilised for reckoning the provision required in respect of Non-Performing advances.

215

14. The Bank noted excess interest charged in certain advance accounts. On prudential basis, the interest incomehas been reduced by ` 7.00 crore.

15. The Bank has drawn down a sum of ` Nil/- (Previous year ` 5025/-) from General Reserve on account ofpayment of Lapsed Demand Drafts which were taken to general reserve earlier as per RBI approval.

16. Bank is not having adequate information in respect of Suppliers/Service providers covered under Micro, Smalland Medium Enterprises Development Act, 2006. In view of this, information required to be disclosed u/s 22 ofthe said Act is not given.

17. Previous year’s figures have been re-grouped / re-classified / re-cast wherever necessary to conform to currentyear’s classification.















216

STATEMENT OF CASH FLOW FOR THE YEAR ENDED 31ST MARCH, 2014

PARTICULARS[` 000's omitted]

For the year ended For the year ended31.03.2014 31.03.2013

CASH FLOW FROM OPERATING ACTIVITIESNet Profit after tax 415 90 86 585 60 92Provision for depreciation on fixed assets 64 14 62 41 45 73

Profit on sale of Fixed Assets (20 82) (12 74)

Current Deffered Tax (67 95 82) (82 46 47)

Provision for income tax 210 00 00 73 39 82

Mat Credit Entitlement (110 00 00) —

Provision in respect of NPA/restructured adv. 452 19 86 508 50 99

Provision for Standard Assets 81 83 00 83 97 00

Provision for Diminution in the value of Investments 120 01 15 (48 42 49)

Payment/Provision for interest on Subordinate Bonds 144 15 03 137 35 00

Provision for other Items 1 73 99 1 42 68

Sub total:- 1311 81 87 1300 70 45Adjustment for net change in operating assets and liabilitiesDecrease/(Increase) in Investment (11420 43 09) (2592 73 76)

Decrease /( Increase ) in Advances (12190 46 85) (12370 52 92)

Increase / ( Decrease) in Deposits 27278 92 25 13961 72 65

Increase/ ( Decrease) in Borrowings (1897 01 78) 973 41 65

Decrease/(Increase) in other Assets (114 89 48) 2 91 26

Increase/( Decrease) in other Liabilities & Provisions 338 25 54 (29 10 51)

Tax (paid)/ Refund (390 20 53) (544 64 82)

Net Cash from operating Activities (A) 2915 97 94 701 74 00

CASH FLOW FROM INVESTING ACTIVITIESFixed Assets (net) (129 77 84) (46 02 18)

Net cash from investing activities (B) (129 77 84) (46 02 18)

CASH FLOW FROM FINANCING ACTIVITIESIssue of share capital (836 41 97) —

Share Premium 1086 41 97 —

Subordinate bonds issued 250 00 00 —

Interest on subordinate bonds (144 15 03) (137 35 00)

Prefrence dividend paid & tax paid thereon (119 33 49) (132 49 37)

Equity dividend & Tax paid thereon (144 93 90) (143 98 20)

Interim dividend paid & tax paid thereon (64 87 06) —

Net cash from financing activities (C) 26 70 52 (413 82 57)Net cash & cash Equivalents (A+B+C) 2812 90 62 241 89 25Cash & Cash equivalents at the begning of the year 6644 74 98 6402 85 74

217

PARTICULARS

[` 000's omitted]For the year ended For the year ended

31.03.2014 31.03.2013

Cash in Hand 417 56 29 303 75 95

Balances with Reserve bank of India 3500 13 42 4238 77 50

Balances with banks and money at call and short notice 2727 05 27 1860 32 29

Cash & Cash equivalents at the end of the year 9457 65 60 6644 74 99

Cash in Hand 373 49 97 417 56 29

Balances with Reserve bank of India 5166 70 79 3500 13 42

Balances with banks and money at call and short notice 3917 44 84 2727 05 27

The above cash flow statement has been taken on record by the Board of Directors of the Bank at its meeting heldon 06.05.2014.















218

INDEPENDENT AUDITORS’ REPORT

ToThe President of India

Report On the Financial Statements

1. We have audited the accompanying financial statements of Vijaya Bank, which comprise the Balance Sheetas at 31st March, 2014 and the Profit and Loss Account and the Cash Flow Statement for the year then endedand a summary of significant accounting policies and other explanatory information, incorporated in thesefinancial statements are the returns of 20 branches audited by us and 567 branches audited by branch auditors.The branches audited by us and those audited by other auditors have been selected by the Bank in accordancewith the guidelines issued to the Bank by the Reserve Bank of India. Also incorporated in the Balance Sheetand the Profit and Loss Account are the returns from 925 branches which have not been subjected to audit.These unaudited branches account for 7.29% of advances, 37.09% of deposits, 34.07% of interest incomeand 38.55% of interest expenses.

Management Responsibility for the Financial Statements

2. Management is responsible for the preparation of these financial statements, in accordance with BankingRegulation Act, 1949 and Companies (Accounting Standards) Rules, 2006, read with the Significant AccountingPolicies of the Bank. This responsibility includes the design, implementation and maintenance of internalcontrol relevant to the preparation of the financial statements that are free from material misstatement, whetherdue to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conductedour audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants ofIndia. Those Standards require that we comply with ethical requirements and plan and perform the audit toobtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in thefinancial statements. The procedures selected depend on the auditor’s judgment, including the assessment ofthe risks of material misstatement of the financial statements, whether due to fraud or error. In making thoserisk assessments, the auditor considers internal control relevant to the Company’s preparation and fairpresentation of the financial statements in order to design audit procedures that are appropriate in thecircumstances but not for the purpose of expressing an opinion on the effectiveness of the entity’s internalcontrol. An audit also includes evaluating the appropriateness of accounting policies used and thereasonableness of the accounting estimates made by management, as well as evaluating the overallpresentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for ouraudit opinion.

Opinion

6. In our opinion, as shown by books of bank and to the best of our information and according to the explanationsgiven to us :

i) The Balance Sheet, read with the notes thereon is a full and fair Balance Sheet containing all the necessaryparticulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at31st March 2014, in conformity with accounting principles generally accepted in India;

ii) The Profit and Loss Account read with the notes thereon shows a true balance of profit, in conformity withaccounting principles generally accepted in India, for the year covered by the account; and

iii) The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

219

7. Emphasis of Matter

Without qualifying our opinion, we draw attention to

(i) Note 7 (vi) to the financial statements, which describes deferment of pension and gratuity liability of theBank to the extent of ` 119 crores as on 31st March 2014 pursuant to the exemption granted by theReserve Bank of India to the public sector banks from application of the provisions of Accounting StandardAS-15, Employee Benefits vide its circular no. DBOD. BP.BC/80/21.04.018/2010-11 on Re-opening ofPension Option to Employees of Public Sector Banks and Enhancement in Gratuity Limits – PrudentialRegulatory Treatment.” Had such a circular not been issued by RBI, the reserves of the Bank would havebeen lower by ` 119 crores pursuant to application of the requirement of AS-15 with the consequentialeffect on the current assets to the above extent.

(ii) Note 7 (xi) (b) to the financial statements, which describes the accounting treatment of the expenditureon creation of Deferred Tax Liability on Special Reserve under section 36(1)(viii) of the Income Tax Act,1961 as at 31st March 2013, pursuant to RBI’s Circular No. DBOD. No.BP.BC.77/21.04.018/2013-14 dated20th December 2013.

Report on Other Legal and Regulatory Requirements

8. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms ‘A’ and ‘B’ respectively of theThird Schedule to the Banking Regulation Act, 1949.

9. Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required by the BankingCompanies (Acquisition and Transfer of Undertakings) Act 1980 and subject also to the limitations of disclosurerequired therein, we report that:

a) We have obtained all the information and explanations which to the best of our knowledge and beliefwere necessary for the purposes of our audit and have found them to be satisfactory.

b) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank.

c) The returns received from the offices and branches of the Bank have been found adequate for thepurposes of our audit.

10. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicableaccounting standards.










220

BASEL DISCLOSURES DOCUMENT AS AT 31ST MARCH 2014

TABLE DF-1 is not applicable to the Bank and TABLE DF-2 has been withdrawn as per Guidelineson Composition of Capital Disclosure Requirement

TABLE DF-3

CAPITAL ADEQUACY

Qualitative Disclosures(a) A summary discussion of the Bank’s approach to As per RBI directives, our Bank has adopted

assessing the adequacy of its capital to support ‘S t a n d a r d i s e d A p p r o a c h ’ f o r C r e d i t R i s k ,current and future activities. ‘Standardised Duration Approach’ for Market risk

and ‘Basic Indicator Approach’ for Operational riskw.e.f. 31.03.2009. For assessment of additionalCapital to support the current and future activities,the Bank follows ICAAP policy, put in place by theBank. ICAAP is being reviewed on a half yearly basisin order to maintain adequate capital above theregulatory minimum on a continuous basis takingcare of the future growth in business.

Quantitative Disclosures (` in crore)(b) Capital requirements for Credit Risk under

Basel II & Basel III:• Portfolios subject to standardised approach ` 5431.62 (including other assets)• Securitisation exposures NIL - as the Bank has no exposure under

securitisation.(c) Capital requirements for Market Risk

Standardised duration approach:

Under Basel II: 318.83• Interest rate risk 279.61• Foreign Exchange Risk 1.35• Equity Risk 37.87

Under Basel III: 321.96• Interest rate risk 282.74• Foreign Exchange Risk 1.35• Equity Risk 37.87

(d) Capital requirements for Operational Risk – BasicIndicator Approach 364.84

Basel II Basel III Capital required: Min. Cap Required: 6115.30 6113.87* Capital Maintained: Capital Funds: 7455.00 7170.94

(as on 31.03.2014)*Min. Cap. Required under Basel III after crossholding compensation.

(e) Total and Tier 1 Capital Ratio

Basel II Basel III

CRAR as on 31.03.14: 10.97% 10.56%Common Equity Tier 1: — 8.12%Tier 1 Capital : 8.30% 8.12%

• For the top consolidated group Tier 2 Capital : 2.67% 2.44%

• For significant Bank subsidiaries Not applicable, as our Bank has no subsidiary.

221

TABLE DF - 4

CREDIT RISK – GENERAL DISCLOSURES

Qualitative Disclosures

(a) The general qualitative disclosure requirementwith respect to Credit Risk, including

• Definitions of past due and impaired(for accounting purposes)

• Discussion on the Bank’s Credit RiskManagement Policy

The Credit Risk Management Process of the Bank isdriven by sound system, procedures and policies.While the Board of Directors & Risk ManagementCommittee of the Board gives directions, the CreditRisk Management Committee headed by Chairman& Managing Director ensures its implementation.

Policy guidelines for Credit Risk Management,Collateral Management and Credit Risk Mitigants(CRM), Ratings etc. are put in place, wherein the setof objectives, scope and nature of risk reporting, itsmeasurement systems, policies, strategies to beadopted in containing / minimizing the risk throughCRM, processing steps, developing monitoring andsupervision mechanisms for the continuingeffectiveness of mitigants have been detailed.

To move towards advanced approach of Basel IInorms, the Bank has taken up implementation ofintegrated Risk Management System through sixsolutions for Credit Risk Rating, Credit Risk, MarketRisk, Operation Risk, ALM & FTP.

The Bank’s policy on IRAC (Income Recognition& Asset Classification) norms is in tune withguidelines issued by the Reserve Bank of India, asamended from time to time. Ninety days delinquencynorm is being followed in classifying the assets as‘performing’ & ‘non-performing’ assets. The entireIRAC data has been subjected to audit. Adequateprovisions as prescribed have been made on bothStandard Assets (performing) and Non-PerformingAssets. Apart from these, the Bank has created ageneral floating provision and additional provision forrestructured assets.

Definition of impaired assets (for accountingpurposes):

An asset becomes non-performing when it ceases togenerate income for the Bank when (a) interest and/or installment of the loan remains ‘overdue’ (*) for aperiod of more than 90 days in respect of term loan

222

(b) the account remains ‘out of order’ (#) for a period ofmore than 90 days, in respect of operative limits suchas Cash Credit (Hyp./Misc.) (c) the bill remains‘overdue’ for a period of more than 90 days in casesof bills purchased /discounted (d) the interest chargedduring any quarter, not fully serviced within 90 daysfrom the end of the quarter (e) the installment ofprincipal or interest thereon remains overdue for 2 cropseasons in the case of short duration crop loans andif installment of principal or interest thereon remainsoverdue for one crop season in the case of longduration crop loans, as far as agricultural loans areconcerned (f) 90 days from the date of crystallizationof non-fund based commitments expire.

* ‘overdue’ means any amount due to the Bank underany credit facility, if not paid on the due date fixed,or on crystallization of non fund based commitment.

# ‘out of order’ means the outstanding balance remainscontinuously in excess of the sanctioned limit/drawing power or if there are no requisite amount ofcredits continuously for 90 days or where credits inthe account are not enough to cover the interestdebited prior to 90 days.

Discussions on Bank’s Credit Risk ManagementPolicy:

The Bank has formulated a comprehensive Credit RiskManagement Policy and constituted variouscommittees such as Credit Risk ManagementCommittee, Basel II Working Group etc. to addresshost of management techniques which help the Bankin identifying, measuring, monitoring and controllingof credit risks by taking into account both external andinternal factors affecting the credit risk. The Bank hasfine tuned the Risk Management Policies & LendingPolicy, to include credit appraisal standard likebenchmark/hurdle ratios on key financial indicators,internal ceilings, prudential norms for large creditproposals, standards for loan collateral, portfoliomanagement, credit concentration, Loan ReviewMechanism/Credit Audit, special review of high valueborrowal accounts (Comprehensive Credit MonitoringReport), risk concentration/monitoring and pricingbased on risk ratings, and review based on risk ratingsetc, besides covering exposure ceiling for sensitivesectors such as capital market, real estate andcommodity sector. A comprehensive Recovery Policyof the Bank is also put in place and revised from timeto time.

223

Quantitative Disclosures Gross Credit risk exposure :

(b) Total gross Credit Risk exposures Fund based : ` 112965.88 crore

- fund based & non-fund based Non fund based : ` 11139.94 crore

Total: ** ` 124105.82 crore

(c) Geographical distribution of exposures

- fund based & non fund based separately

• Overseas Overseas: Fund based & Non fund based: Nil

• Domestic Domestic : Fund based : ` 112965.88 crore

Non fund based : ` 11139.94 crore

Total ** : ` 124105.82 crore

** Loans & Advances + Investments excludingUndrawn exposure of ` 11,232.94 crore, CCIL/MCX exposure of ` 18.96 crore and Other Assetsexposure of ` 13,436.46 crores.

Geographic distribution of Gross credit is as under:

(` in crore)

State Gross State Grosscredit Credit

Andaman & Nicobar 29.50 Madhya Pradesh 381.30Andhra Pradesh 5913.27 Maharashtra 22893.03Arunachal 74.23 Manipur 22.19Assam 189.82 Meghalaya 76.41Bihar 116.92 Mizoram 44.28Chandigarh 143.16 Nagaland 79.23Chattisgarh 165.46 Orissa 141.17Daman & Diu 8.30 Pondicherry 56.74Delhi 15939.66 Punjab 1105.71Goa 111.29 Rajasthan 1908.62Gujarat 3774.95 Sikkim 13.17Haryana 1687.86 Tamilnadu 4772.85Himachal Pradesh 27.94 Tripura 26.15Jammu & Kashmir 16.76 Uttar Pradesh 2303.55Jharkhand 79.28 Uttaranchal 72.17Karnataka 16337.36 West Bengal 1996.51

Kerala 1916.34 Grand total 82425.18

224

(d) Industry type distribution of credit INDUSTRYWISE DEPLOYMENT OF CREDIT (` in crore)

Energy 14633.40

Transport 4538.27

Communication 837.24

Social & Commercial Infrastructure 1490.40

Water & Sanitation 433.53

Steel & Engineering Industry 4313.74

Cement Industry 547.44

Textile Industry 543.69

Precious Stones & Jewellery 586.70

Electronics 671.90

Sugar Industry 91.86

Refinery 174.42

Aluminum 649.80

Automobiles & Auto Parts 231.75

Construction 1156.29

Pharmaceuticals 448.52

Agro based 295.46

Distillery 229.20

Total 31873.61

(e) Residual maturity breakdown of assets as at 31.03.2014: (` in crore)Period 1 day 2-7 8-14 15-28 29 days Over 3 Over 6 Over 1 Over 3 Over 5 Total

days days days - 3 months months months year to years to yearsto 6 to 12 3 years 5 years

months monthsFC Assets 124.62 609.07 5.99 23.63 57.21 90.31 14.41 0.00 0.00 0.65 925.89Advances 1048.73 363.63 670.73 749.12 5453.51 4250.82 5156.11 43593.45 9578.12 9114.96 79979.18Investments 6737.15 1744.95 148.72 1211.48 1782.72 842.48 2069.35 6927.47 9845.15 11275.92 42585.38

Position as on 31.03.2014 (` in crore)

(f) Amount of NPAs (Gross)• Substandard 905.03• Doubtful 1 468.63• Doubtful 2 558.98• Doubtful 3 39.64• Loss 13.57

(g) Net NPAs 1262.37(h) NPA Ratios:

• Gross NPAs to gross advances 2.41 %• Net NPAs to net advances 1.55 %

225

(i) Movement of NPAs (Gross):• Opening balance 1532.94• Additions 2173.87• Reductions 1720.95• Closing balance 1985.86Movement of NPA (Net)• Opening balance 909.69• Additions 352.68• Reductions 0.00• Closing balance 1262.37

(j) Movement of provisions for NPAs• Opening balance 619.24• Provisions made during the period 384.04• Write off 293.36• Write back of excess provisions 0.00• Closing balance 709.92

(k) Amount of Non-Performing Investments (Under HTM Category) 9.25(l) Amount of provisions for depreciation on Non Performing Investments (NPI) 12.47(m) Movement of provisions for depreciation on Non Performing Investments (NPI):

• Opening balance 11.27• Provisions made during the period 1.20• Write off 0.00• Write back of excess provisions 0.00• Closing balance 12.47

TABLE DF-5CREDIT RISK: DISCLOSURES FOR PORTFOLIOS SUBJECT TO THE STANDARDISED APPROACH

Quantitative disclosures(b) For exposure amounts after risk mitigation subject to the Credit exposure **

standardised approach, amount of a bank’s outstandings (` in crore)(rated and unrated) in the following three major risk bucketsas well as those that are deducted:

• Below 100% risk weight 89968.13• 100% risk weights 31672.30• More than 100% risk weight 13717.28• Deducted - Financial collaterals 8505.04

TOTAL 135357.72** Includes following off B/S exposureNFB Exposure - 11139.94 CrsUndrawn Portion - 11232.94 CrsCCIL & MCX - 18.96 Crs

Qualitative disclosures(a) For portfolios under the standardised approach:

• Names of credit rating agencies used plus reasons forany changes

• Types of exposure for which each agency is used

• A description of the process used to transfer public is-sue ratings onto comparable assets in the banking book

The Bank has used ratings given by RBI approved external creditrating agencies, viz CRISIL / ICRA / FITCH (India Ratings) / CARE/SMERA/Brickwork Rating only. In order to facilitate the process ofexternal rating and enabling the customers to solicit external ratingsfor their exposure, the Bank has entered into a separate MOUwith the credit rating agencies.All Corporate exposure above ` 5 Crore and exposure to publicsector entities.Bank has used only bank ratings which are available in publicdomain. Further the Bank has not used any public issue ratings.

226

TABLE DF - 6

CREDIT RISK MITIGATION: DISCLOSURES FOR STANDARDISED APPROACH

Qualitative disclosures

(a) The general qualitative disclosurerequirement with respect to credit riskmitigation including:

• Policies and processes for and anindication of the extent to which theBank makes use of, on and offbalance sheet netting

• Policies and processes for collateralvaluation and management.

• A description of the main types ofcollateral taken by the bank.

• The main type of guarantorcounterparty and theircreditworthiness.

• Information about (market or credit)risk concentration within themitigation taken.

The general principles, like having a specific lien, requisite minimummargin stipulation, valuation, legal certainty, documentation,periodical inspection, easy liquidity etc. as enumerated in Basel IIfinal guidelines of RBI has been used for credit risk mitigationtechniques. All the prescribed haircuts with adjustments for currencymismatch & maturity mismatch are done. The financial collateralsavailable are netted out of the credit exposure before assigningthe risk weights. The effect of Credit Risk Mitigation (CRM) is notdouble counted.

The financial collaterals taken for the purpose of CRM mainlyincludes Bank’s own term deposits, cash margin, life policies,NSCs, KVPs and gold benchmarked to 99.99 purity.

Guaranteed exposure includes those guaranteed by Central/StateGovernments, ECGC, Bank and CGTSI.

The CRM/Guaranteed exposure are not subject to any marketfluctuation and these exposures are well diversed.

Quantitative disclosures

(b) For each separately disclosed credit riskportfolio, the total exposure (after whereapplicable, on or off balance sheetnetting) that is covered by eligiblefinancial collateral after the applicationof haircuts.

(c) For each separately disclosed portfoliothe total exposure (after, whereapplicable, on or off balance sheetnetting) that is covered by guarantees /credit derivatives (whenever specificallypermitted by RBI)

* Including off balance sheet exposure** Including Undrawn

` in croreCredit risk exposure Loans & Non fund Investment* Total

advance ** basedExposure 93657.69 6613.14 35086.89 135357.72

CRM (fin. collaterals) 7937.69 566.35 0.00 8504.04

Net exposure 85720.00 6046.79 35086.89 126853.68

` in croreGuarantee Status Loans & Non fund Investment* Total

advance ** basedExposure 93657.69 6613.14 35086.89 135357.72Central/ State Govt. 5706.31 0.00 26902.02 32608.33

ECGC/BANK /CGTSI 3244.12 0.00 0.00 3244.12

Guarantee total 8950.43 0.00 26902.02 35852.45Net exposure 84707.26 6613.14 8184.87 99505.27

# this includes bonds/instruments issued by the Central/StateGovernment and/or guaranteed by Central Government.

For the credit risk portfolio under the standardised approach (fund and non-fund based), the total eligible financialcollaterals are reckoned after the application of haircuts wherever applicable.

227

TABLE DF - 7SECURITISATION

DISCLOSURES FOR STANDARDISED APPROACHThe Bank has not securitised any asset during the financial year 2013-14 either in Banking book or in trading book.

TABLE DF - 8MARKET RISK IN TRADING BOOK

Qualitative disclosures (a) The general qualitative disclosure

requirement for market risk including theportfolios covered by the standardisedapproach


(b) The capital requirement for

• Interest rate risk

• Equity position risk

• Foreign Exchange risk

Market Risk is the potential risk due to market movements in interest rates,equity prices, foreign currencies and commodity prices.Basel-II proposes two approaches for Market Risk viz Standarised DurationApproach and Internal Model Approach. At present, the bank has implemented"Standardized Duration Approach" and moving forward to implement InternalModel Approach. The Standardized Duration Approach has got following features.1. The capital requirement under standardized approach is calculated based on

Interest rate risk, Equity price risk, Foreign Exchange risk an Commodity risk.2. The general Market risk is calculated based on modified duration and

change in yield.3. The specific risk is calculated based on external risk rating, duration of the

instrument etc.

For the purpose of calculation of capital charge, the bank has adopted‘Standardised Duration Approach’, as detailed below:

Aggregation of the capital charge for Market Risk underBasel-II as on 31.03.2014 ` in crore Risk Category Capital charge(A) Capital Charge for Market Risk for securities held under HFT

Interest Rate (a+b) 9.07a. General Market Risk 9.07

(i) Net position (parallel shift) 9.07(ii) Horizontal disallowance (curvature) 0.00(iii) Vertical disallowance (basis) 0.00

b. Specific risk 0.00(B) Capital charge for Market Risk for securities held under AFS

Interest Rate (a+b) 270.54a. General Market Risk 184.83

(i) Net position (parallel shift) 184.83(ii) Horizontal disallowance (curvature) 0.00(iii) Vertical disallowance (basis) 0.00

b. Specific risk 85.71(C) Alternative total capital charge for securities

held under AFS 123.88I. Interest rate related instruments

{A+(B or C whichever is more)} 279.61II. Equity (a+b) 37.87

a. General market risk 16.83b. Specific risk 21.04

III. Foreign Exchange & Gold 1.35IV. Total capital charge for Market Risks (I+II+III) 318.83Total Risk Weighted Assets 3542.56

228

Aggregation of the capital charge for Market Risk underBasel-III as on 31.03.2014 ` in crore

Risk Category Capital charge(A) Capital Charge for Market Risk for

securities held under HFT

Interest Rate (a+b) 9.07

a. General Market Risk 9.07

(i) Net position (parallel shift) 9.07

(ii) Horizontal disallowance (curvature) 0.00

(iii) Vertical disallowance (basis) 0.00

b. Specific risk 0.00

(B) Capital charge for Market Risk forsecurities held under AFS

Interest Rate (a+b) 273.67

a. General Market Risk 184.83

(i) Net position (parallel shift) 184.83

(ii) Horizontal disallowance (curvature) 0.00

(iii) Vertical disallowance (basis) 0.00


(C) Alternative total capital charge forsecurities held under AFS 127.55

I. Interest rate related instruments{A+(B or C whichever is more)} 282.74

II. Equity (a+b) 37.87

a. General market risk 16.83


III. Foreign Exchange & Gold 1.35

IV. Total capital charge for Market Risks(I+II+III) 321.96

Total Risk Weighted Assets 3577.33

TABLE DF - 9OPERATIONAL RISK

Qualitative disclosuresAs stipulated in the RBI final guidelines on Basel II, the Bank is adopting Capital charge calculations for OperationalRisk as per ‘Basic Indicator Approach’. The Bank has set up Operational Risk Management Committee to identify,assess ,monitor and control all operational risks apart from measures to mitigate such risks, by putting in placedetailed policy & guidelines on Operational Risk Management(ORM), Loss Data, Risk & Control SelfAssessment(RCSA), Key Risk Indicator (KRI), Business Line Mapping (BLM) policy Business ContinuityPolicy(BCP), Business Continuity & Disaster Recovery Plan, Outsourced Activities, New Product & ActivitiesReview, KYC norms and Anti-Money Laundering etc.

229

Further the Bank has put in place the following measures to manage, control and mitigate operational risks:-

l Book of Instructions/Manuals are being updated at periodic intervals besides revising various policies onreview at regular/annual interval.

l Operational Risk losses(Fraud & Non-fraud data) are being reported to Operational Risk ManagementCommittee on quarterly basis

l The Bank has put in place IT Security Policy and has implemented various IT security related solutions likeAnti Virus for Data Centre and Branches, Fire Walls, Encryption Technologies, Intrusion Detection Systems,Web filtering solution, forced password change, Router based security policies, Network Security Policies.The Bank has implemented policies relating to application access controls, password security, guidelines toavoid misuse of passwords, etc. in the Core Banking scenario. The Bank has been conducting informationsecurity & network audit for its network, Data Centre, Disaster Recovery Site, Business Units facilities. TheBank has been conducting vulnerability assessment and penetration testing for Critical Service like InternetBanking, Mobile Banking, Core Banking Solution to find the loop holes if any and taking corrective steps. TheBank has been conducting all its third party software applications to the process of IS audit to continuouslyimprove the confidentiality, integrity, and availability of all its IT resources.

l In order to mitigate the probability of system disruptions resulting in the business discontinuity, the Bank hasimplemented various levels of disaster recovery and business continuity mechanisms/measures specially forcritical applications like Core Banking System, Network Facilities, ITMS, IRMS.

l Risk Based Internal Audit (RBIA) is made applicable for all the branches from the year 2008-09 based onthe revised RBIA format.

l Bank has put business units under RCSA exercise in ten operational areas viz. Retail Banking, BranchOperations, Internet Banking, ATM operation, Forex, Currency Chest, Lockers, Remittances, InformationTechnology, Debit Card & Credit Card operation.

l Bank is moving forward for implementation of ‘The Standarised Approach (TSA)’ for computing capital chargefor Operational Risk.

l The department has started preparing scenarios for the unfilled Operational Risk Cells of loss data which arerequired for AMA Implementation.

Quantitative disclosures:Calculation of capital charge on Operational Risk

AVERAGE OF GROSS INCOME FOR THE LAST 3 YEARS

(` in crore)

31.03.11 31.03.12 31.03.2013

1. Net Profit 523.82 580.99 585.61

ADD

2. Provisions & contingencies 522.86 649.07 536.42

3. Operating Expenses 1433.28 1201.36 1362.97

4. Sub Total 2479.96 2431.42 2485.00

LESS

5. Realised Profit / Loss from the sale of securities in the HTM category 11.55 16.29 60.72

6. Income from insurance activities and insurance claims in favour of the Bank 1.07 3.08 3.89

7. Extraordinary / Irregular item of income and expenditure 0.00 0.00 0.00

230

(` in crore)

31.03.11 31.03.12 31.03.2013

8. Reversal during the year in respect of provisions and write offs made during the year 2.88 0.00 0.00

9. Income from the disposal of items of movable and immovable property -0.15 0.29 -0.13

10. Income from legal settlements in favour of the Bank 0.00 0.00 0.00

11. Sub Total 15.35 19.66 64.48

12. GROSS INCOME FOR THE PURPOSE OF COMPUTATION OFOPERATIONAL RISKS 2464.61 2411.76 2420.52

Average of 3 years gross income = ` 2432.30 CroresCAPITAL CHARGE FOR OPERATIONAL RISKS = Average of gross Income * alpha (15%)

= ` 364.84 CroresEquivalent Risk weighted Assets: = ` 4053.83 Crores.

TABLE DF - 10

INTEREST RATE RISK IN THE BANKING BOOK (IRRBB)


The general qualitative disclosure requirement including the nature of IRRBB and key assumptions, includingassumptions regarding loan prepayments and behaviour of non-maturity deposits and frequency of IRRBBmeasurement.

Interest Rate Risk Management:

The process of Interest rate risk management by the Bank involves determination of the business objectives,understanding the money markets and debt capital markets in which it operates and within the context of theseparameters, recognizing and quantifying its appetite for market risk.

The Bank uses two techniques/approaches to manage interest rate risks inherent in the Balance sheet:

1) The first approach is the on-balance sheet Asset Liability Management (ALM) using the results of theTraditional Gap analysis. This involves careful balancing/rebalancing of assets and liabilities, based on theinterest rate view of the Bank, so as to eliminate the interest earnings at risk. This is achieved through anexercise towards minimizing exposure to risks by holding the appropriate combination (type and maturity) ofassets and liabilities so as to meet certain objectives of the Bank (such as achieving targeted earnings whilesimultaneously minimizing risk).

2) The second approach is off-balance sheet Asset Liability Management (ALM) through hedging. Hedgingcreates off-balance sheet positions. The OTC derivative product used by the Bank to hedge its tradingportfolio and certain liabilities are the Interest Rate Swaps (IRS).

The Asset Liability Management techniques are deliberated by the Market Risk Management/Asset LiabilityCommittee (MRMC/ALCO) in its monthly meetings, in addition to the discussions in the Balance SheetManagement Group meetings.

231

Analytics used by the Bank:

The Bank regularly analyses the Duration and Modified duration of Investment portfolio and rebalances the portfolioto minimize interest rate risk. This portfolio management technique is reviewed by the ALCO/MRMC and the Boardat monthly intervals.

The Interest Rate Sensitivity (IRS) Gap statement based on the 1999 Guidelines on Asset Liability Management isprepared on a fortnightly basis. The bucket-wise rate sensitive gaps as a percentage of the rate sensitive assetsare monitored by the MRMC/ALCO, at monthly intervals, against the Board stipulated Tolerance limits.

In the event of the tolerance limit breach, the MRMC/ALCO ratifies the breach with or without directing the operationaldepartments to restructure the maturity profile of the Balance sheet items. This is commensurate with the view oninterest rates and the market scenario. While preparing the Interest Rate Sensitivity statement, the Bank takesinto account the results of the behavioral analysis conducted on the following:

(i) Volatile and Core portion of Savings deposits.

(ii) Repricing character of CC/OD accounts.

(iii) Embedded options in the investment portfolio.

Earnings at Risk (EaR):

The Earnings at Risk (EaR) due to parallel and non-parallel shifts in the yield curve on the interest rate sensitiveasset liability gaps up to the 3 months, 6 months and 1 year horizon is calculated. This analysis is conducted ona fortnightly basis and placed before the MRMC/ALCO in the monthly meetings and later to the Board in itsmonthly meetings.

Based on the gap profile up to 1 year and the Bank's interest rate view, the EaR amount that should trigger onor off balance sheet hedging strategies, is tracked on a fortnightly basis.

Quantitative disclosure:

The increase (decline) in earnings and economic value (or relevant measure used by management) for upwardand downward rate shocks according to management’s method for measuring IRRBB, broken down by currency(where the turnover is more than 5% of the total turnover):

Earnings at Risk (EaR):

For a 100 basis point assumed increase in interest rates, the impact on NII for a ` 55.11 crore1 year gap horizons

The Bank has fixed the tolerance limit at ` 172 crore.

Economic value approach:

The economic value, i.e. impact on Capital Fund due to change in interest rate by 200 bps is assessed throughModified Duration Gap method based on RBI guidelines. As a prudential measure limits have been fixed for netduration gap of the assets and liabilities and the same is monitored at regular intervals based on RBI guidelines.

232

TABLE DF - 11

GENERAL DISCLOSURE FOR EXPOSURES RELATED TO COUNTERPARTY CREDIT RISK


(a) The general qualitative disclosurerequirement with respect to derivativesand CCR, including:

• Discussion of methodology used toassign economic capital and creditlimits for counterparty creditexposures;

• Discussion of policies for securingcollateral and establishing creditreserves;

• Discussion of policies with respectto wrong-way risk exposures;

• Discussion of the impact of theamount of collateral the bank wouldhave to provide given a credit ratingdowngrade.


(b) Gross positive fair value of contracts,netting benefits, netted current creditexposure, collateral held (including type,e.g. cash, government securities, etc.),and net derivatives credit exposure. Alsoreport measures for exposure at default,or exposure amount, under CEM. Thenotional value of credit derivative hedges,and the distribution of current creditexposure by types of credit exposure.

(c) Credit derivative transactions that createexposures to CCR (notional value),segregated between use for theinstitution’s own credit portfolio, as wellas in its intermediation activities, includingthe distribution of the credit derivativesproducts used, broken down further byprotection bought and sold within eachproduct group

Counterparty Credit Risk (CCR) Limits for the banking counterpartiesare assessed based on an internal model that considers theparameters viz. credit rating and net worth of counterparties, networth of the Bank and business requirements. In all other cases,CCR limit is approved based on credit assessment process followedby the Bank as per the Credit Policy and Procedural Manual. CCRlimits are set on the amount and tenor while fixing the limits torespective counterparties with distinct limits for each type ofexposure. Capital for CCR exposure is assessed based onStandardised Approach.

The Bank does not have any credit derivatives exposure at present.

The Bank does not recognize bilateral netting. The derivativeexposure is calculated using Current Exposure Method (CEM)and the balance outstanding as on March 31, 2014 is given below.

(` in crore)

Particulars Notional Amount Current Exposure

Foreign exchange 4526.79 90.54 contracts

233

BASEL III - COMMON DISCLOSURE TEMPLATE(` in million)

Basel III common disclosure template to be used during the transition Amounts Subject

of regulatory adjustments (i.e. from April 1, 2013 to December 31, 2017) to Pre-Basel III Ref No.Treatment

Common Equity Tier 1 capital: instruments and reserves

1 Directly issued qualifying common share capital plus related stock surplus(share premium) 25385.18 a=b+c

2 Retained earnings 9342.76 d

3 Accumulated other comprehensive income (and other reserves) 21661.38 e=f+g+i+j+k

4 Directly issued capital subject to phase out from CET1 (only applicable tonon-joint stock companies) —

Public sector capital injections grandfathered until 1 January 2018 —

5. Common share capital issued by subsidiaries and held by third parties(amount allowed in group CET1) —

6 Common Equity Tier 1 capital before regulatory adjustments 56389.31

Common Equity Tier 1 capital: regulatory adjustments

7 Prudential valuation adjustments —

8 Goodwill (net of related tax liability) —

9 Intangibles other than mortgage-servicing rights (net of related tax liability) —

10 Deferred tax assets —

11 Cash-flow hedge reserve —

12 Shortfall of provisions to expected losses —

13 Securitisation gain on sale —

14 Gains and losses due to changes in own credit risk on fair valued liabilities —

15 Defined-benefit pension fund net assets 476.45 =(x+y)*40%16 Investments in own shares (if not already netted off paid-in capital on

reported balance sheet) —

17 Reciprocal cross-holdings in common equity 8.66

18 Investments in the capital of banking, financial and insurance entities thatare outside the scope of regulatory consolidation, net of eligible shortpositions, where the bank does not own more than 10% of the issuedshare capital (amount above 10% threshold) —

19 Significant investments in the common stock of banking, financial andinsurance entities that are outside the scope of regulatory consolidation,net of eligible short positions (amount above 10% threshold) —

20 Mortgage servicing rights (amount above 10% threshold) —

21 Deferred tax assets arising from temporary differences (amount above10% threshold, net of related tax liability) —

22 Amount exceeding the 15% threshold —

234



23 of which: significant investments in the common stock of financial entities —

24 of which: mortgage servicing rights —

25 of which: deferred tax assets arising from temporary differences —

26 National specific regulatory adjustments (26a+26b+26c+26d) —

26a of which: Investments in the equity capital of the unconsolidated insurance subsidiaries —

26b of which: Investments in the equity capital of unconsolidated non-financial subsidiaries —

26c of which: Shortfall in the equity capital of majority owned financial entitiewhich have not been consolidated with the bank —

26d of which: Unamortised pension funds expenditures —

Regulatory Adjustments Applied to Common Equity Tier 1 in respect ofAmounts Subject to Pre-Basel III Treatment —

of which: [INSERT TYPE OF ADJUSTMENT] For example: filtering out ofunrealised losses on AFS debt securities (not relevant in Indian context) —

of which: [INSERT TYPE OF ADJUSTMENT] —

of which: [INSERT TYPE OF ADJUSTMENT] —27 Regulatory adjustments applied to Common Equity Tier 1 due to

insufficient Additional Tier 1 and Tier 2 to cover deductions 727.66 =(x+y)*60%

28 Total regulatory adjustments to Common equity Tier 1 1212.77

29 Common Equity Tier 1 capital (CET1) 55176.54

Additional Tier 1 capital: instruments

30 Directly issued qualifying Additional Tier 1 instruments plus relatedstock surplus (31+32) —

31 of which: classified as equity under applicable accounting standards(Perpetual Non-Cumulative Preference Shares) —

32 of which: classified as liabilities under applicable accounting standards(Perpetual debt Instruments)

33 Directly issued capital instruments subject to phase out from Additional Tier 1 —34 Additional Tier 1 instruments (and CET1 instruments not included in row 5)

issued by subsidiaries and held by third parties (amount allowed in group AT1) —

35 of which: instruments issued by subsidiaries subject to phase out —

36 Additional Tier 1 capital before regulatory adjustments —

Additional Tier 1 capital: regulatory adjustments

37 Investments in own Additional Tier 1 instruments —

235



38 Reciprocal cross-holdings in Additional Tier 1 instruments —

39 39 Investments in the capital of banking, financial and insurance entitiesthat are outside the scope of regulatory consolidation, net of eligible shortpositions, where the bank does not own more than 10% of the issuedcommon share capital of the entity (amount above 10% threshold) —

40 Significant investments in the capital of banking, financial andinsurance entities that are outside the scope of regulatory consolidation(net of eligible short positions) —

41 National specific regulatory adjustments (41a+41b) —41a Investments in the Additional Tier 1 capital of unconsolidated insurance subsidiaries —41b Shortfall in the Additional Tier 1 capital of majority owned financial entities

which have not been consolidated with the bank —Regulatory Adjustments Applied to Additional Tier 1 in respect of AmountsSubject to Pre-Basel III Treatment —of which: [INSERT TYPE OF ADJUSTMENT e.g. DTAs] —

of which: [INSERT TYPE OF ADJUSTMENT e.g. existing adjustmentswhich are deducted from Tier 1 at 50%] —of which: [INSERT TYPE OF ADJUSTMENT] —

42 Regulatory adjustments applied to Additional Tier 1 due to insufficient Tier 2to cover deductions —

43 Total regulatory adjustments to Additional Tier 1 capital —44 Additional Tier 1 capital (AT1) —44a Additional Tier 1 capital reckoned for capital adequacy —45 Tier 1 capital (T1 = CET1 + AT1) (29 + 44a) 55176.54

Tier 2 capital: instruments and provisions46 Directly issued qualifying Tier 2 instruments plus related stock surplus 2500.00 l

47 Directly issued capital instruments subject to phase out from Tier 2 9100.00 m=n+o+p+q+r+s+t(after Basel IIIphase out)

48 Tier 2 instruments (and CET1 and AT1 instruments not included in rows5 or 34) issued by subsidiaries and held by third parties (amount allowedin group Tier 2) —

49 of which: instruments issued by subsidiaries subject to phase out —

50 Provisions 5360.66

51 Tier 2 capital before regulatory adjustments 16960.66 Tier 2 capital: regulatory adjustments

52 Investments in own Tier 2 instruments —

53 Reciprocal cross-holdings in Tier 2 instruments 427.80

54 Investments in the capital of banking, financial and insurance entities that areoutside the scope of regulatory consolidation, net of eligible short positions,where the bank does not own more than 10% of the issued common sharecapital of the entity (amount above the 10% threshold) —

236



55 Significant investments in the capital banking, financial and insurance entitiesthat are outside the scope of regulatory consolidation (net of eligible short positions) —

56 National specific regulatory adjustments (56a+56b) —

56a of which: Investments in the Tier 2 capital of unconsolidated subsidiaries —

56b of which: Shortfall in the Tier 2 capital of majority owned financial entitieswhich have not been consolidated with the bank —

Regulatory Adjustments Applied To Tier 2 in respect of AmountsSubject to Pre-Basel III Treatment —

of which: [INSERT TYPE OF ADJUSTMENT e.g. existing adjustmentswhich are deducted from Tier 2 at 50%] —

of which: [INSERT TYPE OF ADJUSTMENT —

57 Total regulatory adjustments to Tier 2 capital 427.80

58 Tier 2 capital (T2) 16532.86

58a Tier 2 capital reckoned for capital adequacy 16532.86

58b Excess Additional Tier 1 capital reckoned as Tier 2 capital 0

58c Total Tier 2 capital admissible for capital adequacy (58a + 58b) 16532.86

59 Total capital (TC = T1 + T2) (45 + 58c) 71709.41

Risk Weighted Assets in respect of Amounts Subject to Pre-Basel III Treatment —

of which: [INSERT TYPE OF ADJUSTMENT] —

of which: … —

60 Total risk weighted assets (60a + 60b + 60c) 679318.97

60a of which: total credit risk weighted assets 603513.55

60b of which: total market risk weighted assets 35267.12

60c of which: total operational risk weighted assets 40538.30

Capital ratios

61 Common Equity Tier 1 (as a percentage of risk weighted assets) 8.12%

62 Tier 1 (as a percentage of risk weighted assets) 8.12%

63 Total capital (as a percentage of risk weighted assets) 10.56%

64 Institution specific buffer requirement (minimum CET1 requirementplus capital conservation and countercyclical buffer requirements,expressed as a percentage of risk weighted assets) 5.00%

237



65 of which: capital conservation buffer requirement 0%

66 of which: bank specific countercyclical buffer requirement —

67 of which: G-SIB buffer requirement —

68 Common Equity Tier 1 available to meet buffers (as a percentage of risk weighted assets) —

National minima (if different from Basel III)

69 National Common Equity Tier 1 minimum ratio (if different from Basel III minimum) 5.00%

70 National Tier 1 minimum ratio (if different from Basel III minimum) 6.50%

71 National total capital minimum ratio (if different from Basel III minimum) 9.00%

Amounts below the thresholds for deduction (before risk weighting)

72 Non-significant investments in the capital of other financial entities —

73 Significant investments in the common stock of financial entities —

74 Mortgage servicing rights (net of related tax liability) —

75 Deferred tax assets arising from temporary differences (net of related tax liability) —

Applicable caps on the inclusion of provisions in Tier 2

76 Provisions eligible for inclusion in Tier 2 in respect of exposures subject tostandardised approach (prior to application of cap) 5360.62 u

77 Cap on inclusion of provisions in Tier 2 under standardised approach 7543.92

78 Provisions eligible for inclusion in Tier 2 in respect of exposures subject tointernal ratings-based approach (prior to application of cap) N.A.

79 Cap for inclusion of provisions in Tier 2 under internal ratings-based approach N.A.

Capital instruments subject to phase-out arrangements (onlyapplicable between March 31, 2017 and March 31, 2022)

80 Current cap on CET1 instruments subject to phase out arrangements N.A.

81 Amount excluded from CET1 due to cap (excess over cap afterredemptions and maturities) N.A.

82 Current cap on AT1 instruments subject to phase out arrangements N.A.

83 Amount excluded from AT1 due to cap (excess over cap after redemptions and maturities) N.A.

84 Current cap on T2 instruments subject to phase out arrangements N.A.

85 Amount excluded from T2 due to cap (excess over cap after redemptionsand maturities) N.A.

238

Basel III - Composition of Capital(` in million)

LIABILITIES Balance sheet as in consolidated Ref No.financial statements

as on 31.03.2014

CAPITAL

Equity Share Capital 8591.19 b

Reserves and surplus

I Statutory Reserve 13377.20 f

II Capital Reserve 3518.95 g

II Capital Reserve 0.00 i

III Share Premium 16793.98 c

III Revaluation Reserve 2489.93 v

General Reserve 127.96 j

IV Revenue and other reserves

a Investment fluctuation reserve 0.00

b Exchange fluctuation reserve 0.00

c Deferred tax reserve 0.00

d Special reserve in terms of sec.36(1)(viii) 4637.27 k

e Profit & Loss account 9342.76 d

Total Capital, Reserves and Surplus 58879.24

Total Deposits 1242961.59

Borrowings

(i) From R.B.I. 3500.00

(ii) Other Banks 0.00

(iii) From other institutions and agencies 16197.99

Repo account 10250.00

(vii) Tier II bonds

90 months bonds 2010 - 7.50% 0.00 n

123 months bonds 2015 - 7.15% 2500.00 o

120 months bonds 2016 - 9.25% 2500.00 p

180 months bonds 2022 - 10.10% 3000.00 q

123 months bonds 2017 - 9.50% 2000.00 r

124 months bonds 2018 - 9.35% 2000.00 s

180 months bonds 2023 - 9.45% 3000.00 t

120 months bonds 2023 - 9.73% 2500.00 l

Total Borrowings 47447.99

239

(` in million)

LIABILITIES Balance sheet as in consolidated Reffinancial statements No.

as on 31.03.2014

Other Liabilities and Provisions

I Bills Payable 4171.54

Ii Interest Accrued 3252.22

Iv VRS Bonds 0.00

V Provision for Standard Assets 4240.15 w

Vi Pro. For 90 days Norms 0.00

Vi Others (Including Provisions) 10514.51

Total other Liabilities 22178.43

Grand Total of Liabilities 1371467.25

Assets Balance sheet as in consolidated Reffinancial statements No.

as on 31.03.2014

Total Cash & Bank bal with RBI 55402.08

Total bal with Banks & Money at call 39174.48

Total Investments 425853.85

Total Net Advances 815040.32

Total Fixed Assets 5289.46

Other Assets

I Inter Office Adjustment (dr) -1367.63

Ii Interest Accrued 8956.15

Iii Tax Paid in Advance 16857.39

Iv. Deferred tax assets -751.25

V Stationery and Stamps 13.79

Vi Non Banking Assets 0.76

Vii Gratuity Amortization 245.68 x

Pension Amortization 945.45 y

Vii Others 5806.73

Total Other Assets (Schedule - 11) 30707.07

Grand Total of Assets 1371467.25

240

Sl. Particulars Equity Shares Upper Tier II 1 Upper Tier II 2 Lower Tier II S4 Lower Tier II S5 Lower Tier II S6 Lower Tier II S7 Tier II S8 Basel III

1 Issuer Vijaya Bank Vijaya Bank Vijaya Bank Vijaya Bank Vijaya Bank Vijaya Bank Vijaya Bank Vijaya Bank

2 Unique Identifier INE705A01016 INE705A09076 INE705A09100 INE705A09050 INE705A09068 INE705A09084 INE705A09092 INE705A08029

3 Governing Laws of the Instrument Applicable Indian Applicable Indian Applicable Indian Applicable Indian Applicable Indian Applicable Indian Applicable Indian Applicable Indianstatutes and statutes and statutes and statutes and statutes and statutes and statutes and statutes and

regulatory regulatory regulatory regulatory regulatory regulatory regulatory regulatory

Regulatory Treatment

4 Transitional Basel III Rules Common EquityTier 1 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2 Tier 2

5 Post-transitional Basel III Rules Common EquityTier 1 Ineligible Ineligible Ineligible Ineligible Ineligible Ineligible Tier 2

6 Eligible at Solo/Group Solo Solo Solo Solo Solo Solo Solo Solo

7 Instrument Type Common Shares Tier 2 Debt Tier 2 Debt Tier 2 Debt Tier 2 Debt Tier 2 Debt Tier 2 Debt Tier 2 DebtInstruments Instruments Instruments Instruments Instruments Instruments Instruments

8 Amount Recognised in Regulatory Capital 859.12 240 240 50 100 120 160 250(Rs. in Crs. As on 31.03.2014)

9 Par Value of Instrument (Rs. in Crs.) Not Applicable 300 300 250 250 200 200 250

10 Accounting Classification Shareholder's Liability Liability Liability Liability Liability Liability LiabilityEquity

11 Original date of issuance Various 3/20/2007 3/17/2008 3/15/2005 8/1/2006 7/31/2007 12/31/2007 12/23/2013

12 Perpetual or dated Perpetual Dated Dated Dated Dated Dated Dated Dated

13 Original maturity date No Maturity 3/20/2022 3/17/2023 6/15/2015 8/1/2016 10/31/2017 4/30/2018 12/23/2023

14 Issuer call subject to prior supervisory approvalNo No No No No No No No

15 "Optional call date, contingent call datesand “redemption amount" Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

16 Subsequent call dates, if applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

Coupons/ dividends

17 Fixed or floating dividend/coupon Not Applicable Fixed Fixed Fixed Fixed Fixed Fixed Fixed

18 Coupon rate and any related index Not Applicable 10.10% 9.45% 7.15% 9.25% 9.50% 9.35% 9.73%

19 Existence of a dividend stopper Not Applicable Yes Yes Yes Yes Yes Yes Yes20 "Fully discretionary, partially discretionary

or“mandatory" Fully discretionary Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory Mandatory

21 Existence of step-up or other incentive to redeem No No No No No No No No

22 Non-cumulative or cumulative Non-cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative Cumulative

23 Convertible or non-convertible Not Applicable Nonconvertible Nonconvertible Nonconvertible Nonconvertible Nonconvertible Nonconvertible Nonconvertible

Basel III - Main Features of Regulatory Capital Instruments

241

Sl. Particulars Equity Shares Upper Tier II 1 Upper Tier II 2 Lower Tier II S4 Lower Tier II S5 Lower Tier II S6 Lower Tier II S7 Tier II S8 Basel III

24 If convertible, conversion trigger(s) Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

25 If convertible, fully or partially Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

26 If convertible, conversion rate Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable

27 If convertible, mandatory or optional Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicableconversion

28 If convertible, specify instrument type Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicableconvertible into

29 "If convertible, specify issuer of instrument Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicableit converts“into"

30 Write-down feature No No No No No No No Yes

31 If write-down, write-down trigger(s) Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable ** Loss absorptionfeatures (Write-down

and Write-up)

32 If write-down, full or partial Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable full or partial

33 If write-down, permanent or temporary Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Temporary andPermanent

34 If write-down, description of write-up Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable ** Loss absorptionmechanism features (Write-down

and Write-up)

35 Position in subordination heirarchy in Perpetual Debt All other creditors All other creditors All other creditors All other creditors All other creditors All other creditors All other creditorsliquidationc (specify instrument type Instruments and Depositors of and Depositors of and Depositors of and Depositors of and Depositors of and Depositors of and Depositors ofimmediately senior to“instrument) the Bank the Bank the Bank the Bank the Bank the Bank the Bank

36 Non-compliant transitioned features No Yes Yes Yes Yes Yes Yes No

37 If yes, specify non-compliant features Not Applicable No loss No loss No loss No loss No loss No loss Not Applicableabsorption features absorption features absorption features absorption features absorption features absorption features

Basel III - Main Features of Regulatory Capital Instruments

242

{dO`m ~¢H$àYmZ H$m`m©b`, g§.41/2, E_. Or. amoSµ ~|Jbyé - 560 001

{à` eo aYmaH$,

{dîm` : amîQ—r` BboŠQ—m°{ZH$ g_memoYZ godmAm| (EZB©grEg) Ho O{aE bm^m§e H$m wJVmZ

AJa AmnZo, h_mao a{OñQ—ma, _ogg© {b§HŸ BZQmB©_ B§{S`m n«m. {b. AWdm AmnHoŸ {Zjonr gh^mJrXma (S>r_¡Q> hmopëS>¨J HoŸ _m_bo _|) H$mo EZB©grEg/~¢H$ ImVoHoŸ {ddaU Z oOo hm| Vmo, h_mam AZwamoY h¡ {H$ Amn, ZrMo {XE JE àmê$n _| CŠV {ddaU CnbãY H$amE§ {Oggo {H$ dŠV na, gwa{jV T>§J go Am¡a ghr VarHoŸgo, bm^m§e H$m Kmoo{fV hmoVo hr wJVmZ {H$`m Om gHoŸ.

H¥$n`m gw{ZpíMV H$a| {H$ a{OñQ—ma/{Zjonr gh^mJrXma H$mo àñVwV {H$E JE AmnHoŸ ã`moao ghr hmo§, Š`m|o{H$ Cg_| H$moB© JbVr hmoZo na g§ d h¡ {HŸ$ bm^m§e H$s aH$_JbV ImVo _| O_m hmo OmE.

EZB©grEg HoŸ O{aE Am¡a/AÏmdm Zm_mo{ÔîQ ~¢HŸ ImVo _|, Omo bm^m§e dma§Q> na {XImB© XoJm, bm^m§e H$m wJVmZ H$aZo go bm^m§e dma§Q>m| _| Ymo»mmYS>r go wZmB©Zht hmo gHoŸJr.

H¥$n`m h_|, AmnH$s ~ohVa godm H$aZo H$m _m¡H$m X|.

^dXr`,H¥$Vo {dO`m ~¢H$

àm{YH¥$V hñVmjaH$Vm©----------------------------------------------------------------------------------- ------------------------------------------------------------------------

EZB©grEg AmXoe/~¢H$ ImVo Ho$ {ddaU Ho$ {bE \$m_©

_¢/h_,____________________________________________________________ {dO`m ~¢HŸ H$mo àm{YH$ma XoVm hÿ§/XoVo h¢ {H$ dh

• _oao/h_mao bm^m§e dma§Q> na {ZåZ{b{IV ã`moao NnmE• _oar bm^m§e aH$_, EZB©grEg Ho$ O{aE grYo _oao ~¢H$ ImVo _| O_m H$a| (* Omo bmJy Z hmo Cgo H$mQ> X|) _oam/h_mam \$moob`mo Z§ : __________________________

S>rnrAmB©S>r Z§._______________ J«mhH$ AmB©Sr g§.______________

~¢H$ ImVo Ho$ {ddaUH$. ~¢H$ H$m Zm_ : _____________________________________

I. AmB©E\ŸEggr HyŸQ g{hV emIm H$m Zm_ : _____________________________________

nVm(Ho$db AmXoe HoŸ {bE) : _____________________________________

J. E_AmB©grAma MoH$ na {X»mmB© XoZodmbr$ ~¢H$ VÏmmímm»mm H$s 9 A§H$dmbr Hy$Q> g§. : _____________________________________

K. ImVo H$m àH$ma(~MV/Mmby) : _____________________________________

L.> MoH$ ~wH$ _| {XImB© XoZodmbr ImVm g§»`m : _____________________________________

M. eo aYmaH$ H$s EgQ>rS>r Hy$Q> VWm Q>obr\$moZ g§.> : _____________________________________

AJa EZB©grEg H$mo A_b _| Z bm`m Om gH$m AWdm {H$gr dOh ~¢H$, EZB©grEg H$mo ~§X H$a Xo Vmo, _¢/h_ ~¢H$ H$mo {Oå_oXma Zht R>hamD§$Jm/R>hamE§§Jo.

Bg nVo na oO|----------> ------------------------------------------

eo aYmaH$ Ho$ hñVmja

Zm¡ A§H$modmbr Hy$Q> g§»`m H$s WmVÏ`Vm H$m gË`mnZ H$aZo Ho$ {bE H¥$n`m AmnHo$ CŠV ImVo go g§~§{YV AmnHo$ ~¢H$ Ûmam Omar MoH$ AWdm aX²X {H$E JE MoH$H$s \$moQ>mo à{V g§b½Z H$a|.

AmnHo$ nmg A_yV© êŸn _| ímo a hm| Vmo, H¥Ÿn`m AnZo {ZúmonmJma ghämmJr go HŸho {HŸ dh,AmnHŸo ~¢H$ »mmVo HŸo {ddaÊm/ EZB©grEg AmXoím HŸmo ZmoQ HŸao§.

{b§HŸ BZQmB_ B§{S`m n«mBdoQ {b{_QoS. `y{ZQ : {dO`m ~¢HŸgr-13, nÝZmbmb {gëHŸ {_ëg HŸ§nmCÊS, Eb .~r.Eg amoS

243

VIJAYA BANKHEAD OFFICE, No.41/2, M.G.ROAD, BENGALURU - 560 001

Dear Shareholder(s),

Re.: Payment of dividend through National Electronic Clearing Services (NECS)

In case you have not already sent the NECS/Bank Account particulars to our Registrar, M/s Link Intime IndiaPrivate Limited or to your Depository Participant (in case of demat holdings) we would request you to provide thesaid particulars in the format given below to facilitate prompt, safe and correct payment of dividend as soon as itis declared.

Please ensure that the details submitted by you to the Registrars/ Depository Participant are correct as any errortherein could result in the dividend amount being credited to wrong account.

Payment of dividend through NECS and /or to the designated Bank Account which appear on the dividend warrantwill help to prevent fraudulent encashment of dividend warrants.

Kindly help us in our endeavor to serve you better.

Yours faithfullyFor Vijaya Bank

Authorized Signatory----------------------------------------------------------------------------------- ------------------------------------------------------------------------

FORM FOR NECS MANDATE /BANK ACCOUNT PARTICULARS

I/We____________________________________________________________ do hereby authorize Vijaya Bank

• Print the following details on my /our dividend warrant• Credit my dividend amount directly to my Bank account by NECS (* Strike out whichever is not applicable) My /our Folio No. : __________________________

DPID No._______________ Client ID No.______________

Particulars of Bank Account

A. Bank Name : _____________________________________

B. Branch Name with IFSC Code : _____________________________________

Address (for Mandate only) : _____________________________________

C. 9 Digit Code No. of the Bank & Branch asappearing on the MICR Cheque : _____________________________________

D. Account Type (Saving/Current) : _____________________________________

E. Account No. as appearing in the Cheque Book : _____________________________________

F. STD Code & Telephone No. of Shareholder : _____________________________________

I/We shall not hold the Bank responsible if the NECS could not be implemented or the Bank discontinues the NECS for any reason.

Mail to----------> --------------------------------------

Signature of the shareholder

Please attach the photocopy of a cheque or a blank cancelled cheque issued by your Bank relating to yourabove account for verifying the accuracy of the nine digit code number.

In case you are holding shares in demat form, kindly advice your Depository Participant to take note of your BankAccount particulars/NECS mandate.

Link Intime India Pvt. Limited. Unit : Vijaya BankC-13, Pannalal Silk Mills Compound, L.B.S.Road,Bhandup (West), Mumbai-400078, Maharashtra.

244

{dO`m ~¢H$àYmZ H$m`m©b` : ~|Jbyé - 560 001

\$m_© 'I'

àm°Šgr \$m_©(eo a YmaH$ Ûmam ^am OmE Ed§ hñVmja {H$E OmE§)

n§OrH¥ŸV \Ÿmo{b`mo g§.

-------------------------------------------------------------------------(AJa A_yVuH$aU Z {H$`m J`m hmo Vmo)

SrnrAmB©Sr/J«mhHŸ AmB©Sr g§.

-------------------------------------------------------------------------(AJa A_yVuH$aU {H$`m J`m hmo Vmo)

Ümm{aV ímo am| HŸr g§.

_¢/h_, __________________________{Zdmgr__________________________________{µObm ____________________

amÁ` ______________________, {dO`m ~¢H$ H$m/Ho eo a YmaH$ hÿ±/h¢, lr/lr_Vr___________________________________

{Zdmgr ___________________{Obm ____________________________amÁ` ___________________H$mo m CZHo Z hmoZo na

lr/lr_Vr ____________________________ {Zdmgr ____________________________ {Obm ___________________

amÁ` _________________, _wëHŸr gw§Xa am_ ímoÅr gämmJ¥h, {dO`m ~¢HŸ, n«ÜmmZ HŸm`m©b`, ~|Jbyé – 560 001 _| ímwHŸ«dma, 27 OyZ, 2014 H$mo g§nÞhmoZo dmbr ~¢H$ Ho $eo a YmaH$m| H$s Mm¡Xhdt dm{f©H$ gm_mÝ` ~¡R>H$ _| Am¡a Cg na {H$gr àH$ma Ho H$m ©ñWJZ na, _oar/h_mar Amoa go, _oao/h_mao {bE dmoQ> XoZohoVw, àm°Šgr HoŸ ê$n _| {Z wº$ H$aVm hÿ±/H$aVo h¢$.

_____________ Ho {XZ, _______2014 H$mo hñVmj{aV

_________________ ______________________________(àm°Šgr YmaH$ HoŸ hñVmja) (àW_ YmaH$/EH$_mÌ YmaH$ HoŸ hñVmja)

Zm_ :…………………………................................….

nVm :.……………………………................................

.……………………………..............................

.……………………………..............................

ZmoQ : nyÊm© êŸn go ämao VÏmm ñQ¡åßS d hñVmúm{aV n«m°Šgr \Ÿm_© {dO`m ~¢HŸ, ímo a n«ämmJ, n«.HŸm., E_.Or.amoS, ~|Jbyé – 560 001 _| ~¡RHŸ HŸr {XZm§HŸ go4 {XZ nyd© AÏmm©V e[Zdma 21 OyZ, 2014 HŸmo Xmonha 2.00 ~Oo VHŸ HŸmamo~ma g_m{ßV go nyd© nhw§M OmZo Mm{hE.

H¥$n`m EH$ n§Ðhn¡go H$m amOñd{Q>H$Q> {MnH$mE±

245

VIJAYA BANKHead Office: Bengaluru - 560 001

FORM 'B'

FORM OF PROXY

(To be filled in and signed by the shareholder)

Regd. Folio No:

-------------------------------------------------------------------------(If not Dematerialized)

DPID/ Client ID No.

-------------------------------------------------------------------------(If Dematerialized)

No .of Shares Held

I/We, __________________________________resident of____________________________in the District

of________________in the state of____________________, being a shareholder/ shareholders of Vijaya Bank,

hereby appoint Shri/Smt______________________resident of______________________________________

in the District of________________________________________in the State of_________________________

or failing him, Shri/Smt___________________________________resident of___________________________

_________________in the district of______________________________in the State of___________________

as my/our proxy to vote for me/us and on/my/our behalf at the FOURTEENTH ANNUAL GENERAL MEETINGof the shareholders of the Bank to be held on Friday the 27th June, 2014, at the MULKI SUNDER RAM SHETTYAUDITORIUM, VIJAYA BANK, H.O, Bengaluru and at any adjournment thereof.

Signed this…………………… Day of…………………………..2014

……………………………….. ………………………………................................(Signature of the Proxy) (Signature of the first holder / sole holder)

Name : …………………………................................….

Address : .……………………………................................

.……………………………..............................

.……………………………..............................

Note: Proxy forms duly filled in stamped & signed should reach Vijaya Bank, Shares Division, H.O. M.G. Road,Bengaluru - 560 001 not later than 4 days prior to the date of meeting i.e. on or before the business hour at 2 P.M.on Saturday, the 21st June 2014.

Please affix

Fifteen Paisa

Revenue

Stamp

246

NOTES

247

NOTES

248

pdf processed with cutepdf evaluation edition … · v ghŸ b j¡a [zînmxhŸ ampñv`mo§ hŸm...

Documents