abridged annual report 2013-14 annual... · 2019. 12. 17. · h¡. ` ` ` `` ``` ` ` `` `` `` `` ``...

g§{jßV dm{f©H$ [anmoQ>©Abridged Annual Report

2013-14

goÝQ´>b ~¢H$ Am°’$ B§{S>¶mHo$ÝÐr¶ H$m¶m©b¶ : MÝXa‘wIr, Zar‘Z nm°BªQ>, ‘w§~B© - 400 021. ‘hmamï´>

CENTRAL BANK OF INDIACentral Office : Chandermukhi, Nariman Point, Mumbai - 400 021. Maharashtra

g§{jßV dm{f©H$ [anmoQ>© 2013-14

{ZXoeH$ ‘§S>b lr amOrd F${f lr Ama.Ho$. Jmo`b lr A{Z‘of Mm¡hmZ lr ~r.Ho$. {XdmH$aS>m°. gm¡a^ JJ©lr eoIa ^Q>ZmJa lr Jw‘mZ qgh àmo. EZ. ~mbH¥$îUZ lr H¥$îU goR>r lr E‘.nr. emoamdmbm lr Eg.~r. amoS>o lr Jwa~»e Hw$‘ma Omoerlr‘Vr EZ.Eg. aËZà^m

BOARD OF DIRECTORS

SHRI RAJEEV RISHI

SHRI R.K. GOYAL

SHRI ANIMESH CHAUHAN

SHRI B.K. DIVAKARA

Dr. SAURABH GARG

SHRI SHEKHAR BHATNAGAR

SHRI GUMAN SINGH

PROF. N. BALAKRISHNAN

SHRI KRISHAN SETHI

SHRI M.P. SHORAWALA

SHRI S. B. RODE

SHRI GURBAX KUMAR JOSHI

SMT. N. S. RATHNAPRABHA

boIm narjH$ ‘o. Hw$‘ma Mmon‹S>m E§S> Egmo{eEQ²g ‘o. nr.Ho$. gw~«‘{U`‘ E§S> H§$nZr. ‘o. XyJ‹S> E§S> Egmo{eEQ²g ‘o. EZ gaH$ma E§S> H§$nZr. ‘o. EZ. Mm¡Yar E§S> H§$nZr. ‘o. ~r.EZ. {‘lm E§S> H§$nZr.

AUDITORS

M/s Kumar Chopra & Associates

M/s P.K. Subramaniam & Co.

M/s Doogar & Associates

M/s N. Sarkar & Co.

M/s N. Chaudhuri & Co.

M/s B.N. Misra & Co.

a{OñQ´ma Ed§ eo`a A§VaU EOoÝQ> qbH$ BZQ>mB‘ B§{S>`m àm.{b. gr-13, nÞmbmb {gëH$ {‘ëg H§$nmC§S> Eb~rEg ‘mJ©, ^m§Sw>n (n{ü‘) ‘wå~B© -400078 Q>obr’$moZ: 022-25946970 ’¡$Šg : 022-25946969 B©-‘ob AmB©S>r: [email protected]

REGISTRAR AND SHARE TRANSFER AGENTS

Link Intime India Pvt. Ltd.

C-13, Pannalal Silk Mills Compound

LBS Marg, Bhandup (West)

Mumbai-400078

Tel: 022-25946970

Fax: 022-25946969

E-mail ID: [email protected]

~¢H$ go nÌ ì`dhma H$aZo H$m nVmghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md Ed§ AZwnmbZ A{YH$margoÝQ´b ~¢H$ Am°’$$ B§{S>`m9dt ‘§{Ob, M§Xa‘wIrZar‘Z nm°B§Q>‘w§~B©-400 021g§nH©$ Z§. 022- 6638 7818’$¡Šg : 022- 2283 5198B©-‘ob AmB©S>r: [email protected]; [email protected]

ADDRESS FOR CORESSPONDENCE WITH THE BANK

AGM-MBD / Company Secretary and Compliance officer

Central Bank of India

9th Floor, Chandermukhi

Nariman Point

Mumbai 400 021

Contact No. 022- 6638 7818

Fax No.: 022- 2283 5198

Email id: [email protected]; [email protected]

1


{à` eo`aYmaH$

{dÎmr` df© 2013-14, ~¢H$ Ho$ {bE gwÑT>rH$aU H$m df© ahm h¡. ~mOma n[aÑí` H$mo XoIVo hþE ì`mdgm{`H$ d¥{Õ `Wmo{MV ahr h¡. ~¢H$ Zo AnZm Ü`mZ H¥${f, EgE‘B© Ed§ [aQ>ob A{J«‘m| O¡go ì`mdgm{`H$ H$m`©joÌm| ‘| Ho$pÝÐV {H$`m, {OgHo$ gwn[aUm‘ df© Ho$ Xm¡amZ {XImB© {XE.

d¡{œH$ AW©ì`dñWm ‘| Xygao gmb AWm©V df© 2013-14 ‘| ̂ r d¥{Õ Xa ‘m‘ybr hr ahr. A§Vam©ï´>r` ‘wÐm H$mof (AmB©E‘E’$) Ho$ AmH$bZ Ho$ ‘wVm{~H$ df© 2013 H$s 3.0 à{VeV AZw‘m{ZV d¥{Õ H$s VwbZm ‘| df© 2014 ‘| 3.6 à{VeV Ed§ df© 2015 ‘| 3.9 à{VeV H$s Xa go d¥{Õ hmoZm AZw‘m{ZV h¡. ̂ maV H$m Am{W©H$ H$m`©-{ZînmXZ Cå‘rX go H$‘Va ahm h¡, {OgHo$ n[aUm‘ñdê$n {dÎmr` df© 2013-14 Ho$ {bE nydm©Zw‘mZm| H$mo g§emo{YV H$aVo hþE H$‘ {H$`m J`m h¡. Yr‘r àJ{V, CƒVa ‘wÐmñ’$s{V Ed§ ~‹T>Vm hþAm amOH$mofr` KmQ>m h‘mar AW©ì`dñWm H$mo H$‹S>r MwZm¡{V`m§ Xo aho h¢. Ho$ÝÐr` gm§p»`H$s` g§ñWmZ (grEgAmo) Ho$ VmOm AZw‘mZm| Ho$ AZwgma, ^maV H$s OrS>rnr d¥{Õ àJ{V, df© 2012-13 ‘| XO© H$s JB© 5 à{VeV d¥{Õ H$s VwbZm ‘| {dÎm df© 2013-14 ‘| 4.9 à{VeV ahZo H$m AZw‘mZ h¡.

‘m{gH$ WmoH$ ‘yë` gyMH$m§H$ na AmYm[aV, ‘wÐmñ’$s{V H$s dm{f©H$ Xa ‘mM© 2014 ‘| (‘mM© 2013 H$s VwbZm ‘|) 5.70 à{VeV ahr, Omo JV ‘mh ‘| 4.68 à{VeV Ed§ JV df© Ho$ g§~§{YV ‘mh ‘| 5.65 à{VeV Wr. Bg df© Ho$ Xm¡amZ ^maVr` [aOd© ~¢H$ H$m ‘m¡{ÐH$ ZO[a`m àJ{V Ed§ ‘wÐmñ’$s{V H$s J{VerbVm Ho$ ~rM g§VwbZ ñWm{nV H$aZo hoVw EH$ gw{dMm[aV Ñ{ï>H$moU àX{e©V H$aVm h¡. df© Ho$ Xm¡amZ g‘J« Mb{Z{Y pñW{V ^r V§J hr ~Zr ahr. `hr Zht, Bg df© énE ‘| ^mar CVma-M‹T>md H$s pñW{V n[ab{jV hþB© VWm JV df© H$s VwbZm ‘| `yEg S>m°ba Ho$ ‘wH$m~bo BgH$m Ad‘yë`Z hþAm.

Am{W©H$ d¥{Õ XeH$ Ho$ Ý`yZV‘ ñVa na nhþ§M OmZo Am¡a ‘wÐmñ’$s{V Ed§ ã`mO Xam| Ho$ CƒVa ñVa na ~Zo ahZo go {nN>bo Xmo dfm] go ~¢H$m| H$s AmpñV-JwUdÎmm ~XVa hmoVr Om ahr h¡. gH$b AemoÜ` F$U, Vrd«Vm Ho$ gmW ~‹T>H$a Hw$b F$Um| Ho$ 4% VH$ hmo JE h¢, Omo VrZ df© nyd© 2.36 à{VeV Wo.

BZ {df‘ n[apñW{V`m| Ho$ ~mdOyX, ~¢H$ H$m Hw$b ì`dgm` 5.25% H$s d¥{Õ XO© H$aVo hþE ` 4,23,390 H$amo‹S> VH$ ~‹T> J`m, Omo {dÎm df© 2012-13 ‘| 4,02,272 H$amo‹S> Wm. ~¢H$ H$s O‘mAm| Ed§ A{J«‘m| ‘| H«$‘e… 6.21% VWm 4.02% H$s d¥{Õ ahr h¡. Hw$b O‘mAm| ‘| H$mgm H$m à{VeV 33.33% hmo J`m, Omo {dÎm df© 2012-13 ‘| 32.55% Wm. H$mamo~ma ‘| bm^àX d¥{Õ gw{Z{üV H$aZo Ho$ {bE Cƒ bmJV dmbr O‘mam{e`m| H$mo H$m’$s H$‘ {H$`m J`m h¡. Hw$b O‘mAm| ‘| Cƒ bmJV dmbr O‘mAm| H$m AZwnmV ‘mM© 2014 ‘| KQ>H$a 21.84% hmo J`m, O~{H$ ‘mM© 2013 ‘| `h ~hþV A{YH$ AWm©V² 24.37% Wm. g§H${bV H$moa O‘mAm| ‘| 9.48% H$s d¥{Õ go `h ^br^m§{V n[ab{jV hmoVm h¡.

AÜ¶j Ed§ à~§Y {ZXoeH$ H$m g§Xoe

2


~¢H$ H$m n[aMmbZ bm^ {dÎmr` df© 2012-13 Ho$ ` 3173 H$amo‹S> go ~‹T> H$a ` 3238 H$amo‹S> hmo J`m, Omo 2.05% d¥{Õ Xem©Vm h¡, O~{H$ AZO©H$ AmpñV`m| Ho$ {bE {H$E JE CƒVa àmdYmZm| Ho$ H$maU ~¢H$ H$m ewÕ bm^ {dÎmr` df© 2012-13 Ho$ `1015 H$amo‹S> go KQ>H$a ` (1263) H$amo‹S> hmo J`m.

~¢H$ H$s O‘m-bmJV {dÎmr` df© 2012-13 Ho$ 7.42% go KQ>H$a 7.24% hmo JB© h¡. ~¢H$ H$s ewÕ ã`mO Am` 13.16% H$s d¥{Õ XO© H$aVo hþE {dÎmr` df© 2012-13 Ho$ ` 5738 H$amo‹S> go ~‹T>H$a ` 6493 H$amo‹S> hmo JB© h¡. ~¡H$ H$s AÝ` Am` AWdm ewëH$ AmYm[aV Am` 15.35% H$s d¥{Õ XO© H$aVo hþE {dÎmr` df© 2012-13 Ho$ ` 1667 H$amo‹S> go ~‹T>H$a ` 1923 H$amo‹S> hmo JB© h¡.

AmpñV`m| H$s JwUdÎmm {nN>bo Hw$N> dfm] go ~¢H$ Ho$ {bE qMVm H$m {df` ahm h¡. gH$b A{J«‘m| ‘| gH$b EZnrE H$m à{VeV ~‹T>H$a 6.27% hmo J`m h¡, Omo {dÎmr` df© 2012-13 ‘| 4.80% Wm Ed§ ewÕ A{J«‘m| ‘| ewÕ EZnrE H$m à{VeV ~‹T>H$a 3.75% hmo J`m, Omo {dÎmr` df© 2012-13 ‘| 2.90% Wm. ~w{Z`mXr g§aMZm, Q>oŠgQ>mBëg, bm¡h Ed§ BñnmV, àm¡Úmo{JH$s Ed§ {d{Z‘m©U, aËZ Ed§ Am^yfU O¡go ì`mdgm{`H$ joÌm| ‘| ì`má X~mdnyU© n[apñW{V`m| Ho$ H$maU Eogm hþAm h¡. EZnrE à~§YZ Ho$ ‘m‘bo ‘| AmnH$m ~¢H$ ñd`§-g{H«$` ahVm h¡ Ed§ {dÎmr` df© 2014-15 ‘| ~¢H$ AnZo gH$b EZnrE H$m à{VeV 5.5% Ed§ ewÕ EZnrE H$m à{VeV 3.00% go H$‘ aIZo Ho$ AnZo à`mg Omar aIoJm.

AW©ìæmdñWm Ho$ ""A§{V‘ N>moa'' VH$ nhþ§MZo Ho$ {bE {d{^Þ {dÎmr` g‘mdoeZ nhb Ho$ ‘mÜ`‘ go ~¢H$ g‘mdoer {dH$mg ‘| nyU©V`m g{H«$` h¡. gaH$ma H$s àË`j bm^ A§VaU (S>r~rQ>r) H$m H$m`m©Ýd`Z H$B© {Obm| ‘| {H$`m Om ahm h¡, {OZ‘| go AmR> {Obm| ‘| h‘ AJ«Ur ~¢H$ h¢, {dÎmr>` df© 2014-15 ‘| BZ {Obm| Ho$ gmW- gmW, Zò {Obm| ‘| Am¡a A{YH$ àJ{V H$s OmEJr. ~¢H$ H$s H$mgm O‘m ~‹T>mZo Ed§ F$U {dñVma H$s {Xem ‘| ^r `h H$m`©H«$‘ h‘mam ‘mJ© àeñV H$aoJm.

‘mM© 2014 ‘| AnZr 4573 emImAm|, {OZ‘| go 2/3 J«m‘rU Ed§ AY©ehar joÌ ‘| h¢ Ed§ 3677 A{V bKw emImE§ h¢, Ho$ gmW `h ~¢H$ [aQ>ob ~¢H$ hmoZo H$s AnZr N>{d H$mo ~aH$ama aIoJm. AmnH$m ~¢H$ `h Oê$a gw{Z{üV H$aoJm {H$ [aQ>ob Ed§ àmW{‘H$Vm joÌ nmoQ>©’$mo{b`mo {dÚ‘mZ J{V go AnojmH¥$V Am¡a VoO J{V go àJ{V H$ao.

df© Ho$ Xm¡amZ, ~¢H$ H$mo ^maV gaH$ma Ûmam df© 2012-13 Ho$ {bE ""ZoeZb AdmS©> ’$m°a EŠgrb|g BZ E‘EgE‘B© b|qS>J'' Ho$ {bE {ÛVr` nwañH$ma go ZdmOm J`m. J«rZQ>oH$ ’$mC§So>eZ Ûmam ~¢H$ H$mo "QóqZJ EŠgrb|g' Ho$ {bE "EMAma AdmS©> (JmoëS> AdmS©>) àXmZ {H$`m J`m. H$m°ñQ> EH$mCÝQ>oÝg Am°’$ B§{S>`m Ûmam ~¢H$ H$mo "EŠgrb|g BZ H$m°ñQ> ‘¡ZoO‘|Q>' Ho$ {bE {ÛVr` nwañH$ma go ZdmOm J`m. ~¢H$ H$mo grEZ~rgr Q>rdr E§S> `wQ>rAmB© å`wÀ`wAb ’§$S> Ûmam "~oñQ> ’$mBZ|{e`b ES>dmBOa AdmS©> A§S>a nrEg`y H¡$Q>oJar' go gå‘m{ZV {H$`m J`m VWm ~¢H$ H$mo J«rZQ>oH$ goâQ>r AdmS©>-2013 ^r àmá hþAm. ~¢H$m°Z 2013 Ho$ Xm¡amZ, ~¢H$ Zo "‘moñQ> BZmodo{Q>d ~«m°S> ~oñS> àmoS>ŠQ> Am°’$[a¨J' loUr Ho$ A§VJ©V ñnoeb ‘|eZ AdmS©> OrVm. Moå~a Am°’$ B§{S>`Z ‘mBH«$mo ñ‘m°b E§S> ‘r{S>`‘ E§Q>aàmBOog Ûmam Am`mo{OV EH$ ^ì` g‘mamoh ‘| ~¢H$ Zo Xmo lo{U`m| ‘| CËH¥$ï> ~¢qH$J AdmS©> `Wm 1) B©H$mo-Q>oŠZm°bm°Or AdmS©>-aZa An Ed§ 2) Á`yar AdmS©> ’$m°a Ý`y B{Z{eE{Q>ìO àmá {H$E. ò gå‘m>Z `h Xem©Vo h¢ {H$ AmnHo$ ~¢H$ Ûmam {H$ò JE à`mg Ed§ nhb g~Ho$ Ûmam gamho Om aho h¢.

~¢H$ H$s 31 ‘mM© 2014 H$mo g‘má df© H$s dm{f©H$ [anmoQ>© àñVwV H$aVo hþE ‘wPo àgÞVm h¡.

ew^H$m‘ZmAm| g{hV

AmnH$m

amOrd F${f

ñWmZ : ‘w§~B© {XZm§H$ : 20 ‘B©, 2014

3


gyMZm

EVX Ûmam `h gy{MV {H$`m OmVm h¡ {H$ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ eoàYmaH$m| H$s gmVdt dm{f©H$ gm‘mÝ` ~¡R>H$ gmo‘dma, {XZm§H$ 30 OyZ 2014 H$mo nydm©• 11.00 ~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na hm°pñnQ>b/ [abm`§g EZOu H$m`m©b` Ho$ nmg, Oo.dr.nr.S>r. ñH$s‘, {dbo nmb} (n.), ‘w§~B© 400056 ‘| {ZåZ{bpIV H$mamo~ma Ho$ g§nmXZ hoVw Am`mo{OV H$s OmEJr.

{XZm§H$ 31 ‘mM© 2014 H$m boImnar{jV VwbZnÌ , {XZm§H$ 31 ‘mM© 2014 H$mo g‘má df© Ho$ {bE bm^-hm{Z ImVm, boIm| Ûmam Amd¥V Ad{Y ‘| ~¢H$m| Ho$ H$m`m] Ed§ J{V{d{Y`m| na {ZXoeH$ ‘§S>b H$s [anmoQ>© Ed§ boIm| VWm VwbZnÌ na boImnarjH$ H$s [anmoQ>© na MMm©, AZw‘moXZ VWm BÝh| ñdrH$ma H$aZm.

{ZXoeH$ ‘§S>b Ho$ AmXoe go hñVmja

ñWmZ: ‘w§~B© (E. Ho$. Xmg)

{XZm§H$: 20.05.2014 ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md

--------------------------------------------------------------------------------

ZmoQ> :

1. àm°Šgr- H$s {Z`w{º$

~¡R>H$ ‘| CnpñWV hmoZo Ed§ ‘VXmZ H$aZo Ho$ nmÌ eoàYmaH$, AnZo ~Xbo ~¡R>H$ ‘| CnpñWV hmoZo Ed§ ‘VXmZ H$aZo hoVw {H$gr àm°Šgr H$mo {Z`wº$ H$a gH$Vo h¢ Am¡a Eogo {Z`wº$ àm°Šgr H$m ~¢H$ H$m eoàYmaH$ hmoZm Amdí`H$ Zht h¡.

àm°Šgr H$mo {Z`wº$ H$aZo g§~§Yr {bIV, MÝXa‘wIr, Zar‘Z nm±B§Q> ‘w§~B©, 400021 pñWV àYmZ H$m`m©b` ‘| ~¡R>H$ H$s VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V {XZm§H$ 25 OyZ, 2014 H$mo gm`§: 5.00 ~Oo `m BgHo$ nyd© O‘m {H$`m OmZm Mm{hE.

2. àm{YH¥$V à{V{Z{Y H$s {Z`w{º$

{H$gr H§$nZr Ho$ {d{YdV àm{YH¥$V à{V{Z{Y Ho$ ê$n ‘| H$moB© ì`{º$ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ eoàYmaH$m| H$s ~¡R>H$ ‘| CnpñWV hmoZo AWdm ‘VXmZ H$aZo hoVw V~ VH$ nmÌ Zht hmoJm, O~ VH$ {H$ Cg ~¡R>H$, {Og‘| Cgo {d{YdV ê$n go àm{YH¥$V à{V{Z{Y {Z`wº$ {H$`m J`m hmo, Ho$ AÜ`j Ûmam à‘m{UV àñVmd H$s à{V MÝXa‘wIr, Zar‘Z nm°B§Q>, ‘w§~B©, 400021 ‘| pñWV ~¢H$ Ho$ àYmZ H$m`m©b` ‘| ~¡R>H$ H$s {Z`V VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V {XZm§H$ 25 OyZ, 2014 H$mo gm`§: 5.00 ~Oo `m CgHo$ nyd© VH$ àñVwV Z H$a Xr OmE.

3. ~¢H$ Ho$ {H$gr ^r A{YH$mar `m H$‘©Mmar H$mo {H$gr eoàYmaH$ H$m àm°Šgr `m àm{YH¥$V à{V{Z{Y {Z`wº$ Zht {H$`m OmEJm.

4. CnpñW{V nMu-gh-àdoe nmg

eoàYmaH$m| H$s gw{dYm Ho$ {bE Bg gyMZm Ho$ gmW CnpñW{V nMu-gh-àdoe nmg g§b¾ {H$`m J`m h¡. eoàYmaH$m|/àm°Šgr YmaH$m|/à{V{Z{Y`m| go AZwamoY h¡ {H$ Bg‘| CnbãY H$amE JE ñWmZ na AnZo hñVmmja H$a| Am¡a ~¡R>H$ ñWb na Bgo gm¢n X|. eoàYmaH$m| Ho$ àm°Šgr / à{V{Z{Y`m| H$mo CnpñW{V nMu-gh àdoe nmg ‘| àm°Šgt AWdm à{V{Z{Y, O¡gm ^r ‘m‘bm hmo, H$m CëboI H$aZm Mm{hE VWm CÝh|, eoàYmaH$ go AnZo hñVmja gË`m{nV H$am H$a AnZr nhMmZ H$m gmú` gmW ‘| aIZm Mm{hE.

5 eoàYmaH$m| Ho$ a{OñQ>a H$m ~§X hmoZm :

eo¶aYmaH$m| Ho$ bm^m§e H$s nmÌVm V¶ H$aZo Ho$ {bE eoàYmaH$m| H$m a{OñQ>a Ed§ eoà A§VaU ~{h`m§, {XZm§H$ 25 OyZ, 2014 (~wYdma ) go 30 OyZ, 2014 (gmo‘dma) (XmoZm| {XZ em{‘b h¡) VH$ ~§X ahoJr.

6. ‘VXmZ H$m A{YH$ma

A{Y{Z`‘ H$s Ymam 3(2B©) Ho$ Cn~§Ym| Ho$ AZwgma, gÑe ZE ~¢H$ H$m Ho$ÝÐ gaH$ma go {^ÝZ H$moB© ^r eoàYmaH$, AnZo Ûmam Ym[aV eoàm| Ho$ gå~§Y ‘|, ~¢H$ Ho$ eoàYmaH$m| Ho$ Hw$b ‘Vm{YH$ma Ho$ Xg à{VeV go A{YH$ Ho$ ‘VXmZ-A{YH$ma H$m à`moJ H$aZo H$m nmÌ Zht hmoJm.

Cn`w©º$ Ho$ AYrZ, {d{Z`‘Z 68 Ho$ AZwgma, àËòH$$ eoàYmaH$, Omo eoàYmaH$ Ho$ én ‘| n§OrH¥$V h¡, AnZm hmW Xem©H$a EH$ ‘V Xo

4


gHo$Jm Am¡a ‘VXmZ H$s pñW{V ‘| CgHo$ Ûmam Ym[aV àËòH$ eoà Ho$ {bE Cgo EH$ dmoQ> XoZo H$m A{YH$ma hmoJm.

7. g§`wº$ YmaH$m| Ho$ A{YH$mam| H$m Cn`moJ

{d{Z`‘Zm| Ho$ {d{Z`‘ 10 Ho$ AZwgma, `{X H$moB© eoà Xmo AWdm A{YH$ ìæm{º$`m| Ho$ Zm‘ na h¡, Vmo ‘VXmZ Ho$ ‘m‘bo ‘| a{OñQ>a ‘| C{ëbpIV àW‘ Zm‘ Ho$ ì`{º$ H$mo EH$‘mÌ YmaH$ ‘mZm OmEJm. AV: `{X eoà g§`wº$ YmaH$m| Ho$ Zm‘ ‘| h¢ Vmo Ho$db àW‘ Zm‘m§{H$V ì`{º$ hr ~¡R>H$ ‘| ^mJ boZo Ed§ ‘V XoZo (hmW Xem©H$a AWdm ‘VXmZ Ûmam) H$m hH$Xma hmoJm.

8. eoàYmaH$m| go AZwamoY h¡ {H$ do ~¡R>H$ ‘| dm{f©H$ [anmoQ>©> H$s à{V gmW bmE§.

9.1 ̂ m¡{VH$ ñdê$n ‘| eoà aIZo dmbo eoàYmaH$m| H$mo gyMZm :

O¡gm {H$ Amn OmZVo hr h¢ {H$ ^m¡{VH$ ñdê$n ‘| eoàm| H$m H«$`-{dH«$` Zht {H$`m Om gH$Vm, AV: eoàYmaH$m| H$mo VabVm àXmZ H$aZo Ho$ {bE h‘ Amngo {ZdoXZ H$aVo h¢ {H$ Amn AnZo eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$a b|. Amn ~¢H$ H$s {H$gr ^r ZOXrH$s emIm Omo S>r‘oQ> godm àXmZ H$aVr hmo, ‘| ImVm ImobH$a AnZo eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$a gH$Vo h¢. ~¢H$ H$s do~gmBQ> na S>r‘oQ> godmE§ àXmZ H$aZo dmbr emImAm| H$s gyMr CnbãY h¡. eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$aZo Ho$ AZoH$ ’$m`Xo h¢ O¡go j{V AWdm JbV gwnwX©Jr go ~Mmd, Vrd« {ZnQ>mZ, H$mJOa{hV boZ-XoZ Am{X. gmW hr nVo ‘| n[adV©Z, ~¢H$ A{YXoe, Zm‘m§H$Z Ed§ boZXoZ Ho$ AZwamoY H$s gyMZm ^r EH$ hr ñWmZ na AWm©V dh emIm, Ohm§ AmnZo AnZm S>r‘oQ> ImVm Imobm h¡, ‘| hr XoZr hmoVr h¡, Mmho AmnHo$ nmg EH$ go A{YH$ H§$n{Z`m|/g§ñWmAm| Ho$ eoà hm|.

VXm{n, `{X Amn eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V Z H$a CÝh| ^m¡{VH$ ñdê$n ‘| hr aIZo hoVw BÀNw>H$ h¢ Vmo H¥$n`m h‘| {ZåZ{bpIV ~¢H$ {ddaU àXmZ H$a|, Vm{H$ h‘ bm^m§e H$mo (O~ ^r Kmo{fV {H$`m OmE) grYo AmnHo$ ImVo ‘| O‘m H$a gH|$.

v ~¢H$ H$m Zm‘

v emIm H$m nVm

v ~¢H$ ImVm g§»`m

v emIm H$m 9 A§H$s` E‘AmB©grAma H$moS>

v emIm H$m AmB©E’$Eggr H$moS>

(A{Y‘mZV: h‘| EH$ {ZañV MoH$/ MoH$ nÞo H$s à{V{b{n ào{fV H$a|).

H¥$n`m ZmoQ> H$a| {H$ ~¢H$ ImVm, eoàm| Ho$ àW‘ YmaH$ Ho$ Zm‘ go hmoZm Mm{hE.

9.2 S>r‘oQ> ñdê$n ‘| eoà aIZo dmbo eoàYmaH$m| H$mo gyMZm :

h‘mam gX¡d à`mg ahm h¡ {H$ AnZo gå‘mZZr` eoàYmaH$m| H$mo gdm}Îm‘ godmE§ àXmZ H$s OmE§. h‘Zo nm`m h¡ {H$ Hw$N> eoàYmaH$ Eogo h¢, {OZHo$ nmg S>r‘oQ> ñdê$n ‘| eo`g© h¢; na§Vw CÝhm|Zo AnZo ~¢H$ ImVm| ‘| grYo bm^m§e am{e àmá H$aZo Ho$ {bE, CZHo$ {S>nm°{OQ>ar nm{Q©>{gn|Q> (S>rnr) Ho$ nmg AnZo ~¢H$ ImVo gå~§Yr {ddaU n§OrH¥$V/AÚVZ Zht H$amE h¢. VXZwgma, nyd© ‘| Kmo{fV {H$E JE bm^m§e CÝh|, CZHo$ Ûmam {S>nm°{OQ>arµO Ho$ nmg XO© H$amE JE nVo na bm^m§e dma§Q> (S>r.S>ãby) Ho$ Ûmam ôOo JE h¢.

`h CëboI H$aZm ‘hËdnyU© h¡ {H$ `{X Eogo eoàYmaH$m| Zo CZHo$ S>rnr Ho$ nmg CZHo$ ~¢H$ ImVo Ho$ {ddaU n§OrH¥$V/AÚVZ H$amE hmoVo Vmo bm^m§e H$s am{e grYo CZHo$ ~¢H$ ImVo ‘| O‘m H$am Xr JB© hmoVr, Bggo {Z`V {V{W na bm^m§e H$s ÐþVJ{V go àm{á gw{Z{üV hmo OmVr Am¡a Bggo S>mH$ Ûmam bm^m§e dma§Q> àmá H$aZo ‘| bJo g‘` H$s ~MV hmoVr VWm bm^m§e dma§Q> O‘m H$aZo Ho$ {bE ~¢H$ ‘| OmZo H$s Amdí`H$Vm Zht hmoVr VWm bm^m§e dma§Q> ‘mJ© ‘| Jw‘/Mmoar hmo OmZo H$s Ame§H$m go AWdm CgHo$ H$nQ>nyU© ZH$XrH$aU H$s g§^mdZm go ~Mm Om gH$Vm Wm.

VXZwgma, h‘ BZ eoàYmaH$m| H$mo CZHo$ ~¢H$ ImVm {ddaU O¡go ~¢H$ H$m Zm‘, emIm H$m nVm, ImVm g§»`m, ImVo H$m àH$ma, CZHo$ ~¢H$ Ûmam Omar MoH$ na {dÚ‘mZ Zm¡ A§H$s` E‘AmB©grAma H$moS> g§. H$mo CZHo$ {S>nm°{OQ>ar nm{Q©>{gn|Q>, Ohm§ do S>r‘oQ> ImVm aIVo hm|, Ho$ nmg n§OrH¥$V/AÚVZ H$aZo H$m gwPmd XoVo h¢, Vm{H$ {Z`V {V{W na CZHo$ ~¢H$ ImVo ‘| bm^m§e am{e (O~ ^r Kmo{fV {H$`m Om`) grYo O‘m H$s Om gHo$. BgHo$ A{V[aº$, do ~¢H$ `m AnZo AmaQ>rE, Omo {H$ qbH$ BZQ>mB‘ B§{S>`m àm.{b. h¡, H$mo g^r ^mdr bm^m§e am{e, dmngr am{e `m AÝ` àofUm|, `{X H$moB© hmo, H$mo bm^m§e dma§Q>, MoH$, ‘m§J S´mâQ> Am{X Ûmam ôOo OmZo Ho$ ñWmZ na CZHo$ ~¢H$ ImVo ‘| O‘m {H$E OmZo hoVw A{YXoe Cn`w©º$ ~¢H$ {ddaU Ho$ gmW grYo ôO gH$Vo h¢.

5


10. AXmdmH¥$V bm^m§e, `{X H$moB© h¡:

do eoàYmaH$, {OÝhm|Zo AnZo bm^m§e Zht ^wZmE h¢ `m {OÝh| {nN>bo dfm] ‘| {H$gr ^r df© Ho$ bm^m§e àmá Zht hþE h¢, CZgo AZwamoY h¡ {H$ do AnZo ~¢H$ ImVo ‘| grYo ^wJVmZ {H$E OmZo `m Sw>ßbrHo$Q> bm^m§e/‘m§J S´mâQ> Omar H$aZo Ho$ {bE ~¢H$ Ho$ a{OñQ´ma Ed§ eoà Q´m§g’$a EO|Q> go g§nH©$ H$a|. ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU), A{Y{Z`‘ 1970 H$s Ymam 10 ~r Ho$ AZwgma AàXÎm bm^m§e ImVo ‘| A§VaU H$s VmarI go 7 dfm] H$s Ad{Y VH$ `{X bm^m§e H$s am{e AXÎm AWdm AXmdmH¥$V ahVr h¡ Vmo dh am{e H§$nZr A{Y{Z`‘, 1956 H$s Ymam 205 gr Ho$ A§VJ©V Ho$ÝÐ gaH$ma Ûmam ñWm{nV {ZdoeH$ {ejm Ed§ gwajm {Z{Y (AmB©B©nrE’$) ‘| A§V[aV H$a Xr OmEJr Am¡a VËnümV Bg ^wJVmZ Ho$ g§X^© ‘| H$moB© Xmdm Z Vmo ~¢H$ Am¡a Z hr AmB©B©nrE’$ na bmJy hmoJm.

11. BboŠQ´m°{ZH$ ‘mÜ`‘ go dmoqQ>J

I. H§$nZr {Z`‘ 20 (à~§YZ Ed§ àemgZ) Ho$ gmW n{R>V ñQ>m°H$ EŠgM|O Ho$ gmW hþE gyMr~Õ H$ama Ho$ I§S> 35 ~r Ho$ AZwnmbZ ‘| ~¢H$ dmoqQ>J Ho$ d¡H$pënH$ ‘mÜ¶‘ Ho$ Vm¡a na B© dmo{Q>J gw{dYm ghf© àñVm{dV H$aVm h¡ Vm{H$ gXñ`JU AnZo dmoQ> BboŠQ´m°{ZH$ ê$n go H$a nmE§. ~¢H$ Ûmam goÝQ´b {S>nm°{OQ>ar g{d©goO (B§{S>`m) {b. Ho$ gmW B©-dmoqQ>J H$mo gwb^ ~ZmZo Ho$ {bE Amdí`H$ ì`dñWmE§ H$a br J`r h¢.

B©-dmoqQ>J g§~§Yr à{H«$`m Ed§ AZwXoe {ZåZmZwgma h¢ :

I) dmoqQ>J Ad{Y Ho$ Xm¡amZ AnZm do~ ~«mCOa Imob| Ed§ B©-dmoqQ>J do~gmBQ> www.evotingindia.com na bm°J Am°Z H$a|.

II) A~ AnZm dmoQ> S>mbZo Ho$ {bE eoàhmoëS>g© na pŠbH$ H$a|.

III) A~ S´m°n S>mCZ ‘oÝ`y go BboŠQ´m°{ZH$ dmoqQ>J gr¹|$g Z§~a B©drEgEZ H$mo goÝQ´>b ~¢H$ Am°’$ B§{S>`m Ho$ gmW {gboŠQ> H$a| Ed§ gpå~Q> na pŠbH$ H$a|.

IV) A~ Cn`wº$ ImZm| ‘| {ZåÝm{bpIV {ddaU â|.

`yOa AmB©S>r do gXñ` {OZHo$ eoà S>r‘oQ> ê$n ‘| h¡ :-

E) EZEgS>rEb Ho$ {bE :- 8 A§H$m| Ho$ S>rnr AmB©S>r Ho$ ~mX 8 A§H$m| H$m ŠbmB§Q> AmB©S>r

~r) grS>rEgEb Ho$ {bE :- 16 A§H$m| H$m bm^mWu AmB©S>r

gXñ` {OZHo$ eoà ^m¡{VH$ ê$n ‘| h¢ :-

v ~¢H$ ‘| n§OrH¥$V ’$mo{b`mo Z§~a

nmgdS©> AmnH$m nmgdS©> Bg Zmo{Q>g Ho$ gmW g§b¾ CnpñW{V pñbn-H$‘-E§Q´r nmg ‘| ‘w{ÐV h¡.

n¡Z* Am`H$a {d^mJ go Omar AnZm 10 A§H$s` Eë’$m Ý`y‘o[aH$ n¡Z Z§~a â|.

* {OZ gXñ`m|§ Zo ~¢H$/{S>nm°{OQ>ar gh^m{J`m| ‘| AnZo n¡Z Z§ AÚVZ Zht {H$ò h¢ CZgo AZwamoY h¡ {H$ do n¡Z ’$sëS> ‘| {S>’$m°ëQ> Z§~a CBIMB1234B â|.

v) g‘w{MV ê$n go Cº$ {ddaU à{dï>§ H$aZo Ho$ níMmV, gpå~Q> Q>o~ na pŠbH$ H$a|.

vi) Eogo eoàYmaH$, {OZHo$ eo`g© ^m¡{VH$ ê$n ‘| h¢, CZHo$ {bE grYm dmoqQ>J ñH«$sZ CnbãY hmo OmEJm.

vii) S>r‘oQ> eoàYmaH$m| Ho$ {bE nmgdS©> n[adV©Z ‘oÝ`yy IwboJm Am¡a CÝh|o nmgdS©> ’$sëS>mo ‘| A{Zdm`©V: AnZm bm°{JZ nmgdS©> n[ad{V©V H$aZm hmoJm. ZE nmgdS©> ‘| Ý`y²ZV‘ AmR> H¡$aoŠQ>a hmoZo Mm{hE, {Og‘| H$‘ go H$‘ EH$ Ana Ho$g (E-OoS>), EH$ bmoAa Ho$g (E-OoS>), EH$ Ý`y‘[aH$ doë`y (0-9) Am¡a EH$ {deof H¡$aoŠQ>a (@,#,$ BË`m{X) hmoZm Mm{hE. H¥$n`m ZmoQ> H$a| `{X {H$gr AÝ` g§ñWm/H§$nZr ‘| ‘VXmZ Ho$ {bE nmÌ hm| Am¡a ‘VXmZ H$aZm MmhVo hm| Vmo dhm§ ^r do Bgr nmgdS©> H$m Cn`moJ H$a|Jo, ~eV} {H$ H§$nZr/g§ñWm, Ûmam grS>rEgEb ßboQ>’$m°‘© Ho$ ‘mÜ`‘ go B©-dmoqQ>J H$m {dH$ën MwZm J`m hmo. `h nwaOmoa AZwe§gm H$s OmVr h¡ {H$ Amn AnZm nmgdS©> {H$gr ^r AÝ` ì`{º$ H$mo Z ~VmE§ Am¡a Bgo JmonZr` aIZo Ho$ {bE n`m©á gmdYmZr ~aV|.

viii) Amn ’$mo{b`mo Ho$ `yOa àmo’$mBb {ddaU ‘| AnZm ‘mo~mBb Zå~a Ed§ B©-‘ob AmB©S>r ^r AÚVZ aI gH$Vo h¢, {OgH$m Cn`moJ ^{dî` ‘| grS>rEgEb B©-dmoqQ>J àUmbr Ho$ ~mao ‘| g§àofU ôOZo Ho$ {bE {H$`m Om gH$Vm h¡. gXñ` Ho$ nmgdS©> ^ybZo Am¡a Bgo argoQ> H$aZo H$s pñW{V ‘| ^r BgH$m Cn`moJ {H$`m Om gH$Vm h¡.

ix) `{X AmnHo$ eoà S>r‘oQ> ñdê$n ‘| h¢ Ed§ AmnZo nyd© ‘| {H$gr H§$nZr/g§ñWm Ho$ B©drEgEZ Ho$ {bE www.evotingindia.com na bm°J Am°Z {H$`m h¡ Vmo {dÚ‘mZ bm°{JZ AmB©S>r Am¡a nmgdS©> hr à`wº$ {H$`m Om`.

6


x) ^m¡{VH$ ñdê$n ‘| eoàYm[aV H$aZo dmbo gXñ` AnZo nmgdS©> Ed§ {S>’$m°ëQ> Zå~a, {g’©$ Bg gyMZm ‘| {XE JE àñVmd na B©-dmoqQ>J Ho$ {bE H$a gH$Vo h¡.

xi) dmoqQ>J n¥ð> na AmnH$mo àñVmd {ddaU Ed§ BgHo$ g‘j dmoqQ>J Ho$ {bE `g/Zmo H$m {dH$ën {XImB© XoJm. `g/Zmo (YES/NO) Ho$ A§VJ©V eoàm| H$s g§»`m (Omo dmoQ>m| H$s g§»`m> H$mo ì`º$ H$aVr h¡) à{dï> H$a| AWdm {dH$ënV: Amn `g (YES) ‘| H$moB© Am§{eH$ g§»`m§ Ed§ Zmo (NO) ‘| H$moB© Am§{eH$ g§»`m à{dï> H$a gH$Vo h¢, bo{H$Z `g (YES) Ed§ Zmo (NO) ‘| à{dï> Hw$b g§»`m AmnHo$ Ûmam Ym[aV eoàm| H$s g§»`m go A{YH$ Zht hmoZr Mm{hE.

xii) `{X Amn g§nyU© Zmo{Q>g dmng XoIZm MmhVo hm| Vmo [aOmoë`yeZ ’$mBb qbH$ na pŠbH$ H$a|.

xiii) [aOmoë`yeZ H$m M`Z H$aZo Ho$ Cnam§V, AmnZo dmoQ> S>mbZo H$m {ZU©` {b`m h¡, gpå~Q> na pŠbH$ H$a|. EH$ H$Ý’§$a‘oeZ ~m°Šg àX{e©V hmoJm. `{X Amn AnZo dmoQ> H$s nw{ï> H$aZm MmhVo h¢ Vmo Amo.Ho$. na pŠbH$ H$a|, AÝ`Wm AnZm dmoQ> n[ad{V©V H$aZo hoVw H|${gb na pŠbH$ H$a| Am¡a VXZwgma AnZm dmoQ> g§emo{YV H$a|.

xiv) àñVmd na AnZm dmoQ> H$Ý’$‘© H$aZo Ho$ nümV AmnH$mo AnZm dmoQ> g§emo{YV H$aZo H$s AZw‘{V Zht hmoJr.

xv) H$m°nm}aoQ>/g§ñWm JV gXñ` (AWm©V d¡`{º$H$, {hÝXy A{d^m{OV n[adma, EZAmaAmB© Am{X Ho$ Abmdm) go Ano{jV h¡ {H$ do g§~§{YV ~moS©> g§H$ën/àm{YH$ma nÌ Am{X H$s ñH¡$Z H$s JB© à{V (nrS>rE’$/OonrOr àmê$n ‘|), dmoQ> XoZo hoVw nmÌ {d{YdV àm{YH¥$V hñVmH$jaH$Vm©Am| Omo dmoQ> XoZo Ho$ {bE A{YH¥$V hmo, Ho$ à‘m{UV Z‘yZm hñVmjam| Ho$ gmW [email protected] na EH$ à{V ̂ oOVo hþE Om§MH$Vm© H$mo B©-‘ob AmB©S>r : [email protected] na ào{fV H$a|. Cº§$ {Z{X©ï> XñVmdoOm| H$s ñH¡$Z H$s JB© à{V`m| H$mo H$m°nm}aoQ> Zo‘-B©drEgEZ Zm‘ {X`m OmE.

II. B©-dmoqQ>J g‘`md{Y {XZm§H$ 24 OyZ 2014 (10:00 EE‘) go àma§^ hmo H$a {XZm§H$ 26 OyZ 2014 (5:00 nrE‘) H$mo g‘má hmoJr. Bg g‘`md{Y Ho$ Xm¡amZ {XZm§H$ 23 ‘B© 2014 H$s H$Q> Am°’$ VmarI H$mo ~¢H$ Ho$ eoàYmaH$, {OZHo$ eoà ^m¡{VH$ ê$n ‘| hmo AWdm S>r‘oQ> ê$n ‘| hm|, AnZo dmoQ> Bb¡ŠQ´m°{ZH$ ‘mÜ`‘ go Xo gH$Vo h¢. BgHo$ nümV grS>rEgEb Ûmam B©-dmoqQ>J ‘m°S>çyb H$mo {ZpîH«$` H$a {X`m OmEJm. eoàYmaH$ Ûmam àñVmd na AnZm dmoQ> XoZo Ho$ nümV Cgo AnZm ‘V n[ad{V©V H$aZo H$m A{YH$ma Zht hmoJm. `{X AmnH$mo B©-dmoqQ>J Ho$ g§~§Y ‘| H$moB© àý hmo AWdm H$moB© ‘wÔm hmo Vmo H¥$n`m [email protected] go g§nH©$ H$a|.

III. eoàYmaH$m| Ho$ dmoqQ>J A{YH$ma, H$Q>-Am°’$ VmarI ([aH$mS©> VmarI) {XZm§H$ 23 ‘B© 2014 H$mo ~¢H$ H$s MwH$Vm B{¹$Q>r eoà ny§Or ‘| CZHo$ eoàm| Ho$ AZwnmV ‘| hm|Jo. VWm{n ~¢qH$J H§$nZrO (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 3(2B©) Ho$ àmdYmZm| H$s eVm] Ho$ AZwgma, Ho$ÝÐ gaH$ma Ho$ A{V[aº$ ~¢H$ H$m H$moB© ^r eoàYmaH$, ~¢H$ Ho$ g^r eoàYmaH$m| Ho$ Hw$b dmoqQ>J A{YH$mam| Ho$ 10 à{VeV go A{YH$Vm H$s pñW{V ‘| ñd`§ Ho$ Ûmam Ym[aV {H$gr ^r eoàm| Ho$ g§~§Y ‘| dmoqQ>J A{YH$ma H$m à`moJ H$aZo hoVw nmÌ Zht hmoJm.

IV. Bg gyMZm H$s EH$ à{V ~¢H$ H$s do~gmBQ> Ed§ grS>rEgEb H$s do~gmBQ> na àX{e©V H$s JB© h¡.

V. B©-dmoqQ>J à{H«$`m H$mo C{MV Ed§ nmaXeu VarHo$ go g§nÞ H$aZo hoVw lr à‘moX Eg. emh, H$m`©aV H§$nZr g{Md (à¡pŠQ>g Z. 3804 H$m à‘mUnÌ) H$mo Om§MH$Vm© Ho$ ê$n ‘| {Z`wº$ {H$`m J`m h¡.

VI. B©-dmoqQ>J Ad{Y H$s g‘m{á go VrZ (3) H$m`©{Xdgm| Ho$ ^rVa Om§MH$Vm© H$‘ go H$‘ Xmo (2) gm{j`m|, Omo ~¢H$ Ho$ H$‘©Mmar Z hm|, H$s CnpñW{V ‘| dmoQ>m| H$mo AZãbm°H$ H$aoJm Ed§ nj VWm {dnj ‘| {XE JE dmoQ>m| `{X hmo, H$s Om§M [anmoQ>© VËH$mb AÜ`j H$mo àñVwV H$aoJm.

VII. ~¢H$ Ho$ EOrE‘ ‘| àñVmd nm[aV hmoZo Ho$ Xmo (2) {XZm| Ho$ ^rVa Om§MH$Vm© H$s [anmoQ>© g{hV Kmo{fV n[aUm‘ ~¢H$ H$s do~gmBQ> www.centralbankofindia.co.in Ed§ grS>rEgEb H$s do~gmBQ> na àX{e©V {H$E OmE§Jo Ed§ ~rEgB© {b{‘Q>oS> VWm ZoeZb ñQ>m°H$ E³gM|O {b{‘Q>oS> H$mo ^r gy{MV {H$E OmE§Jo.

{ZXoeH$ ‘§S>b Ho$ AmXoe go hñVmja

ñWmZ: ‘w§~B© (E. Ho$. Xmg)

{XZm§H$: 20.05.2014 ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md

7


ì¶dgm¶(` H$amo‹S> ‘|)

n¡am‘rQ>a ‘mM© 07 ‘mM© 08 ‘mM© 09 ‘mM© 10 ‘mM© 11 ‘mM© 12 ‘mM© 13 ‘mM© 14

Hw$b ì`dgm` 1,36,265 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390

df©-Xa-df© d¥{Õ 35.48% 18.10% 23.49% 15.43% 11.63% 15.96% 5.25%

Hw$b O‘m 82,776 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069

df©-Xa-df© d¥{Õ 33.28% 18.99% 23.49% 10.64% 9.38% 15.22% 6.21%

Hw$b F$U Ed§ A{J«‘ 53,489 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321

df©-Xa-df© d¥{Õ 38.88% 16.76% 23.49% 22.67% 14.70% 16.92% 4.02%

{Zdoe 29,037 32,646 44,445 52,008 54,847 59,577 72,662 86,384

df©-Xa-df© d¥{Õ 12.43% 36.14% 17.02% 5.46% 8.62% 21.96% 18.88%

grS>r AZwnmV 64.62% 67.34% 66.08% 66.08% 73.27% 76.83 77.97 76.36

AmpñV`m| na à{V’$b 0.62% 0.54% 0.45% 0.66% 0.70% 0.26% 0.44% (0.47)%

bm^àXÎmm(` H$amo‹S> ‘|)

n¡am‘rQ>a ‘mM© 07 ‘mM© 08 ‘mM© 09 ‘mM© 10 ‘mM© 11 ‘mM© 12 ‘mM© 13 ‘mM© 14

gH$b Am` 6,710 8,787 11,525 13,799 16,486 20,545 23,528 26,350

df©-Xa-df© d¥{Õ 30.94% 31.17% 19.73% 19.47% 24.62% 14.52% 11.99%

gH$b ì`` 5,444 7,518 10,088 11,741 13,895 17,730 20,355 23,112

df©-Xa-df© d¥{Õ 38.10% 34.18% 16.38% 18.35% 27.60% 14.81% 13.54%

n[aMmbZ bmJV 1,266 1,268 1,437 2,058 2,591 2,815 3,173 3,238

df©-Xa-df© d¥{Õ 0.20% 13.28% 43.24% 25.90% 8.65% 12.72% 2.05%

ewÕ bm^ 498 550 571 1,059 1,252 533 1,015 (1,263)

df©-Xa-df© d¥{Õ 10.47% 3.83% 85.36% 18.24% (57.43%) 90.43% (224.43)

{Z‘ (%) 3.28 2.53 1.97 1.86 3.31% 2.78 2.65 2.73

ewÕ ã`mO Am` 2,474 2,223 2,228 2,545 5,326 5,169 5,738 6,493

df©-Xa-df© d¥{Õ (10.16%) 0.22 14.23% 109.27% (2.95%) 11.01% 13.16%

J¡a ã`mO Am` 476 791 1,070 1,735 1,265 1395 1,667 1,923

df©-Xa-df© d¥{Õ 66.31% 35.26% 62.15% (27.09%) 10.28% 19.50% 15.35%

8


{ZXoeH$ [anmoQ>© 2013-14AmnHo$ {ZXoeH$m| H$mo {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE ~¢H$ H$s dm{f©H$ [anmoQ>© Ho$ gmW boIm nar{jV boIm {ddaU, bm^ Ed§ hm{Z ImVo VWm ZH$X àdmh {ddaU H$mo àñVwV H$aVo hþE àgÞVm h¡.

1. H$m`©{ZînmXZ d¡{eï²`

~¢H$ H$m Hw$b ì`dgm` ` 21118 H$amo‹S> H$s d¥{Õ Ho$ gmW ` 4,23,390 H$amo‹S> hmo J`m, Omo {nN>bo df© ` 4,02,272 H$amo‹S> Wm, `h df© Xa df© AmYma na 5.25% H$s d¥{Õ Xem©Vm h¡;

Hw$b O‘mam{e`m§ ` 14,031 H$amo‹S> H$s d¥{Õ Ho$ gmW ` 2,40,069 H$amo‹S> hmo JBª, Omo 6.21% H$s df© Xa df© d¥{Õ Xem©Vm h¡.

~¢H$ H$m gH$b A{J«‘ ` 7087 H$amo‹S> H$s d¥{Õ Ho$ gmW ~‹T>H$a ` 1,83,321 H$amo‹S> hmo J`m, Omo 4.02% H$s df©-Xa-df© d¥{Õ Xem©Vm h¡.

~¢H$ H$m n[aMmbZ bm^ ~‹T>H$a ` 3238 H$amo‹S> hmo J`m, Omo {dÎmdf© 2012-13 ‘| ` 3173 H$amo‹S> Wm. `h 2.05% H$s df© Xa df© d¥{Õ Xem©Vm h¡. VWm{n, {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má {dÎmr` df© Ho$ {bE EZnrE ‘| CƒVa àmdYmZ Ho$ H$maU, ~¢H$ Zo ` 1263 H$amo‹S> H$s ewÕ hm{Z Xem©B© h¡.

ny§Or n`m©áVm AZwnmV 8.12 {Q>¶a I ny§Or Ho$ gmW (~ogb- II Ho$ AZwgma) 11.96 à{VeV ahm, O~{H$ JV df© ¶h 11.49 à{VeV Wm. ny§Or n`m©áVm AZwnmV (~ogb- III Ho$ AZwgma) 9.87 à{VeV Wm {Og‘| {Q>¶a I 7.37 à{VeV h¡.

ewÕ ‘m{b`V ` 13443 H$amo‹S> go ~‹T>H$a ` 13918 H$amo‹S> hmo JB©.

~¢H$ H$m gH$b EZnrE ` 3044 H$amo‹S> go ~‹T>H$a ` 11500 H$amo‹S> hmo J`m, Omo JV df© ` 8456 H$amo‹S> Wm. à{VeVVm H$s Ñ{ï> go gH$b EZnrE {dÎm df© 2013-14 ‘| ~‹T>H$a 6.27 à{VeV hmo J`m, O~{H$ JV df© `h 4.80 à{VeV Wm.

ewÕ EZnrE JV df© Ho$ ` 4988 H$amo‹S> go ~‹T>H$a ` 6649 H$amo‹S> hmo J`m. ewÕ EZnrE à{VeV JV df© Ho$ 2.90 à{VeV go ~‹T>>H$a 3.75 à{VeV hmo J`m.

àmdYmZ H$daoO AZwnmV (nrgrAma) ~‹T>H$a 50.68% hmo J`m, Omo ‘mM© 2013 ‘| 47.75% Wm.

ewÕ ã`mO ‘m{O©Z ({Z‘) {dÎm df© 2012-13 Ho$ 2.65 à{VeV go ~‹T>H$a 2.73 à{VeV hmo J`m.

à{V H$‘©Mmar ì`dgm` KQ>H$a ` 1025 bmI hmo J`m, Omo JV df© ` 1067 bmI Wm.

{dÎmr` df© 2013-14 Ho$ {bE, ~¢H$ H$mo hm{Z hmoZo Ho$ H$maU, AmpñV`m| H$m à{V’$b (AmaAmoE) F$UmË‘H$ ahm.

àmW{‘H$Vm joÌ H$m F$U df© Xa df© 33.92 à{VeV H$s d¥{Õ XO© H$aVo hþE, JV df© Ho$ ` 51259 H$amo‹S> go ~‹T>H$a ` 68648 H$amo‹S> hmo J`m.

~¢H$ H$m H¥${f F$U df© Xa df© 43.49% H$s d¥{Õ XO© H$aVo hþE, ` 24658 H$amo‹S> go ~‹T>H$a ` 35382 H$amo‹S> hmo J`m.

gyú‘ F$U Ed§ AÝ` (à{V CYmaH$Vm© ` 50,000 VH$ F$U) Ho$ A§VJ©V, ~¢H$ Zo ` 261 H$amo‹S> H$m F$U àXmZ {H$`m h¡.

g‘rjm df© Ho$ Xm¡amZ, gyú‘ Ed§ bKw CÚ‘ (E‘EgB©) A{J«‘ ~‹T>H$a ` 21515 H$amo‹S> hmo J`m, O~{H$ JV df© `h ` 17300 H$amo‹S> Wm.

df© Ho$ Xm¡amZ, 65939 ZE ñd`§ ghm`Vm g‘yh (EgEMOr) J{R>V {H$E JE, {OZ‘| go 60278 EgEMOr H$mo F$U g§~§Õ {H$`m J`m.

gaH$ma àm`mo{OV H$m`©H«$‘m| Ho$ A§VJ©V, ~¢H$ Zo df© 2013-14 Ho$ Xm¡amZ, 31658 EZAmaEbE‘/EgOrEgdm` bm^m{W©`m|, 13195 EgOoEgAmadm` bm^m{W©`m| Ed§ 7474 nrE‘B©Ornr CYmaH$Vm©Am| H$mo ghm`Vm àXmZ H$s.

~¢H$ Zo g‘mO Ho$ H$‘Omoa dJ© go gå~§{YV CYmaH$Vm©Am| H$mo ` 20953 H$amo‹S> Ho$ F$U àXmZ {H$E.

df© Ho$ Xm¡amZ, e¡j{UH$ F$U 16.09 à{VeV go ~‹T>H$a Hw$b F$U ` 2980 H$amo‹S> hmo J`m.

9


~¢H$ Zo nyao Xoe ‘| 46 J«m‘rU ñd-amoOJma Ed§ à{ejU g§ñWmZ (AmagoQ>r) ñWm{nV {H$E. df© 2013-14 Ho$ Xm¡amZ, Ama-goQ>r Zo 677 à{ejU H$m`©H«$‘ Am`mo{OV {H$E Ed§ 18837 à{V^m{J`m| H$mo à{ejU àXmZ {H$`m. Bg‘| go 10550 (56%) à{ejwAm| H$mo ~¢H$ Ho$ F$U go g§~§Õ {H$`m J`m.

df© Ho$ àma§^ ‘|, ~¢H$ Ho$ nmg 54 {Obm| H$mo H$da H$aVo hþE 1799 emImAm| Ho$ ZoQ>dH©$ Ho$ gmW 5 àm`mo{OV joÌr` J«m‘rU ~¢H$ (AmaAma~r) Wo, BZ‘| go 2 AmaAma~r H$m AÝ` ~¢H$m| Ûmam àm`mo{OV AmaAma~r ‘| {db` hmo J`m. n[aUm‘ñdê$n, A^r h‘mao nmg {XZm§H$ 31 ‘mM©, 2014 H$mo 3 AmaAma~r h¡ {OZH$m amÁ`m| Ho$ 46 {Obm| ‘| 1609 emImAm| H$m ZoQ>dH©$ h¡.

~¢H$ H$mo 2000 go A{YH$ H$s OZg§»`m dmbo 4330 Jm§d Am¡a 2000 go H$‘ H$s OZg§»`m dmbo 6743 Jm§d Am~§{Q>V {H$E JE Wo. ~¢H$ Zo BZ g^r Jm§dm| H$mo 5588 ~rgr EOoÝQ>m|o Ho$ ‘mÜ`‘ go H$da H$a {b`m h¡. ~¢H$ Zo AnZr g^r 3677 A{Vgyú‘ emImE§ Imobr h¢. ~¢H$ Zo {XZm§H$ 31 ‘mM©, 2014 VH$ ~rgr EOoÝQ>m| Ho$ ‘mÜ`‘ go 92.27 bmI ~o{gH$ goqdJ ~¢H$ {S>nm°{OQ> ImVo Imobo h¢.

~¢H Ho$ H$m°nm}aoQ> F$U, df© Xa df© 12.90% H$s H$‘r Ho$ gmW, JV df© Ho$ ` 112067 H$amo‹S> go KQ>H$a ` 97613 H$amo‹S> ah J`o.

[aQ>ob F$U 29.73% go ~‹T>H$a, {dÎm df© 2012-13 Ho$ ` 22209 H$amo‹S> go ~‹T>H$a, {dÎm df© 2013-14 ‘| ` 28811 H$amo‹S> hmo J`m.

~¢H$mí`w>a|g ì`dgm` go Hw$b Am`, df© Xa df© 8% H$s d¥{Õ Ho$ gmW ` 26.65 H$amo‹S> hmo JB©.

{XZm§H$ 31 ‘mM©, 2014 H$mo, ~¢H$ Ho$ nmg Xoe ^a ‘| 4573 emImAm|, 29 g¡Q>obmBQ> emImAm| Am¡a 4 {dñVma nQ>b H$m ZoQ>dH©$ {dÚ‘mZ h¡.

~¢H$ Zo {XZm§H$ 31 ‘mM©, 2014 VH$ 3628 EQ>rE‘ ñWm{nV {H$E.

2. Am` Ed§ ì``

df© 2013-14 H$s Ad{Y Ho$ {bE, Am` Ed§ ì`` Ho$ {ddaU {ZåZmZwgma {XE Om aho h¢ :

` H$amo‹S> ‘|31.03.2014 31.03.2013 {dMbZ %

1 ã`mO Am` 24427 21861 2566 11.74-A{J«‘ 18620 16922 1698 10.03-{Zdoe 5764 4779 985 20.61-AÝ` 43 160 (117) (73.13)

2 AÝ` Am` 1923 1667 256 15.363 Hw$b Am` (1+2) 26350 23528 2822 11.994 àXÎm ã`mO 17933 16123 1810 11.23

-O‘mam{e`m§ 16374 14940 1434 9.60-AÝ` 1559 1183 376 31.78

5 n[aMmbZ ì`` 5179 4232 947 22.38-ñWmnZm 3537 2891 646 22.35-AÝ`. 1642 1341 301 22.45

6 Hw$b ì`` (4+5) 23112 20355 2757 13.547 ñà¡S> (1-4) 6494 5738 756 13.188 n[aMmbZ bm^ (3-6) 3238 3173 65 2.059 àmdYmZ-EZnrE/{Zdoe/AÝ` 4233 1853 2380 128.4410 H$a Ho$ {bE àmdYmZ 268 305 (37) (12.13)11 ewÕ bm^ (1263) 1015 (2278) (224.43)

10


df© Ho$ Xm¡amZ, ã`mO Am` ‘| 11.74 à{VeV H$s d¥{Õ hþB©.

O‘mAm| na àXÎm, ã`mO 9.60% go ~‹T>H$a, ‘mM© 2014 ‘| ` 16374 H$amo‹S> hmo J`m, Omo JV df© ` 14940 H$amo‹S> Wm.

df© Ho$ Xm¡amZ, àË`m{eV doVZ nwZarjU Ho$ {bE ` 140 H$amo‹S> Ho$ dm§{N>V àmdYmZ Ho$ H$maU, H$‘©Mm[a`m| na ì`` ` 646 H$amo‹S> go ~‹T>H$a ` 3537 H$amo‹S> hmo J`m, Omo JV df© ` 2891 H$amo‹S> Wm.

3. àmdYmZ

JV df© H$s VwbZm ‘| df© 2013-14 Ho$ Xm¡amZ, bm^ Ed§ hm{Z ImVo H$mo à^m[aV ` 4501 H$amo‹S> Ho$ Hw$b àmdYmZ H$m {dñV¥V {ddaU {ZåZmZwgma h¡ :

(` H$amo‹S> ‘|)31.03.2014 31.03.2013 {dMbZ

‘mZH$ AmpñV`m| Ho$ {bE àmdYmZ (7) 91 (98)EZnrE Ho$ {bE àmdYmZ 3989 1930 2059{Zdoe na ‘yë¶õmg/àmdYmZ 258 (163) 421H$am| Ho$ {bE àmdYmZ 268 305 (37)AÝ` (7) (5) (2)Hw$b 4501 2158 2343

4. bm^àXVm AZwnmV

(à{VeV ‘|)31.03.2014 31.03.2013

O‘mAm| H$s bmJV 7.24 7.42{Z{Y`m| H$s bmJV 7.37 7.53A{J«‘m| na Am` 10.79 11.14{Zdoem| na Am` 7.84 7.61ewÕ ã`mO ‘m{O©Z 2.73 2.65bmJV Am` AZwnmV 61.53 57.16

df© 2013-14 ‘| A{J«‘m| go Am` H$m à{VeV 10.79 Wm Am¡a df© 2012-13 ‘| {Zdoe go Am` Ho$ 7.60 à{VeV Ho$ g‘j 7.84 à{VeV ahm.

ewÕ ã`mO ‘m{O©Z JV df© Ho$ 2.65 à{VeV go ~T>H$a 2.73 ahm.

g‘rjm df© ‘| bmJV Am` AZwnmV JV df© Ho$ 57.16 à{VeV go ~‹T>H$a 61.53 à{VeV hmo J`m.

5. ~¢qH$J AZwnmV

(à{VeV ‘|)2013-14 2012-13

Am¡gV H$m`©erb {Z{Y (ES>ãbyE’$) H$s ã`mO Am` 9.18 9.46ES>ãbyE’$ H$s J¡a ã`mO Am` 0.72 0.72ES>ãbyE’$ H$m n[aMmbZ bm^ 1.22 1.37Am¡gV AmpñV`m| na à{V’$b -- 0.44à{V H$‘©Mmar ì¶dgm` (` bmI ‘|) 1025 1067à{V H$‘©Mmar ewÕ bm^ (` bmI ‘|) -- 2.83

11


6. OmopI‘ ^m[aV AmpñV`m§ Ed§ ny§Or H$m AZwnmV (grAmaEAma)

ny§Or n`m©áVm AZwnmV Ho$ g§{d^mJ {ZåZmZwgma h¢ :

31.03.2014 31.03.2013~ogb-II ~ogb-III ~ogb-II ~ogb-III

{Q>`a-I 8.12 7.37 8.09 bmJy Zht{Q>`a-II 3.84 2.50 3.40 bmJy Zhtny§Or n`m©áVm AZwnmV 11.96 9.87 11.49 bmJy Zht

7. ewÕ hm{Z

~¢H$ Zo {dÎmr` df© 31 ‘mM©, 2014 Ho$ {bE, ` 1263 H$amo‹S> H$s hm{Z Xem©B© h¡. {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má {dÎmr` df© ‘| ~¢H$ H$mo ewÕ hm{Z hmoZo Ho$ H$maU, B{¹$Q>r eo`g© Ed§ ~o{‘`mXr J¡a-g§M`r A{Y‘mZ eo`g© na {ZXoeH$ ‘§S>b Zo bm^m§e Kmo{fV H$aZo H$s AZwe§gm Zht H$s h¡.

8. df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b ‘| n[adV©Z

g‘rjm df© Ho$ Xm¡amZ, ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| {ZåZ{bpIV n[adV©Z hþE h¢ :

lr Eg.~r. amo‹S>o H$mo {XZm§H$ 02.04.2013 go A{YH$mar-H$‘©Mmar {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

lr Jwé~»e Hw$‘ma Omoer H$mo {XZm§H$ 10.07.2013 go H$‘©H$ma {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

S>m°. Ho$.nr. H¥$îUZ H$mo {XZm§H$ 26.07.2013 go lr AmbmoH$ Q>§S>Z, {OZH$m {XZm§H$ 25.07.2013 H$mo gaH$ma Zm{‘Vr {ZXoeH$ Ho$ nX H$m H$m`©H$mb g‘má hmo J`m h¡, Ho$ ñWmZ na gaH$ma Zm{‘Vr {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

lr ‘mohZ dr. Q>m§H$gmbo H$m AÜ`j Ed§ à~§Y {ZXoeH$ Ho$ nX H$m H$m`©H$mb {XZm§H$ 31.07.2013 H$mo g‘má hmoZo na, {XZm§H$ 01.08.2013 go lr amOrd F${f H$mo AÜ`j Ed§ à~§Y {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

lr A{Z‘of Mm¡hmZ H$mo {XZm§H$ 05.08.2013 go H$m`©nmbH$ {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

lr ‘b` ‘wIOu H$m H$m`©nmbH$ {ZXoeH$ Ho$ nX H$m H$m`©H$mb {XZm§H$ 11.12.2013 H$mo g‘má hmo J`m h¡.

lr‘Vr EZ.Eg. aËZà^m H$mo A§eH$m{bH$ J¡a-H$m¶m©b¶rZ {ZXoeH$ Ho$ nX na {XZm§H$ 19.12.2013 go {Z`wº$ {H$`m J`m h¡.

lr ~r.Ho$. {XdmH$a H$mo {XZm§H$ 23.01.2014 go H$m`©nmbH$ {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

S>m°. Ho$.nr. H¥$îUZ Ho$ gaH$ma Zm{‘Vr {ZXoeH$ Ho$ nX H$m H$m`©H$mb {XZm§H$ 18.02.2014 H$mo g‘má hmoZo na, {XZm§H$ 19.02.2014 go S>m°. gm¡a^ JJ© H$mo ~¢H$ Ho$ gaH$ma Zm{‘Vr {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

lr gbr‘ J§JmYaZ H$m Ama~rAmB© Zm{‘Vr {ZXoeH$ Ho$ nX H$m H$m`©H$mb {XZm§H$ 12.03.2014 H$mo g‘má hmoZo na, {XZm§H$ 13.03.2014 go lr eoIa ^Q>ZmJa H$mo Ama~rAmB© Zm{‘Vr {ZXoeH$ Ho$ nX na {Z`wº$ {H$`m J`m h¡.

{ZXoeH$ ‘§S>b, lr AmbmoH$ Q>§S>Z, lr E‘.dr. Q>m§H$gmbo, lr ‘b` ‘wIOu, S>m°.Ho$.nr. H¥$îUZ Ed§ lr gbr‘ J§JmYaZ, Omo {dÎmro` df© 2013-14 Ho$ Xm¡amZ ~¢H$ Ho$ {ZXoeH$ nX na Zht aho h¢, Ûmam àXÎm ~hþ‘yë` `moJXmZ H$s gamhZm H$aVo hþE CZH$s godmAm| H$mo aoIm§{H$V H$aVm h¡.

9. {ZXoeH$m| Ho$ CÎmaXm{`Ëd g§~§Yr {ddaU

{ZXoeH$JU `h nw{ï> H$aVo h¢ {H$ {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE dm{f©H$ boIm| H$mo V¡`ma H$aVo g‘` ;

‘hÎdnyU© {dMbZ, `{X H$moB© h¢, Ho$ g§~§Y ‘| g‘w{MV ñnï>rH$aU Ho$ gmW, bmJy boIm§H$Z ‘mZH$m| H$m AZwnmbZ {H$`m J`m h¡;

^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}emZwgma V¡`ma boIm§H$Z Zr{V`m| H$mo gwg§JV ê$n ‘| bmJy {H$`m J`m h¡;

g‘w{MV Ed§ {ddoH$gå‘V {ZU©` Ed§ àm³H$bZ {H$E JE h¢, Vm{H$ {dÎmr` df© H$s g‘m{á na ~¢H$ Ho$ H$mamo~mar ‘m‘bm| H$m VWm {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ A§V ‘| ~¢H$ Ho$ bm^ H$m ghr Ed§ ñnï> {MÌU àñVwV {H$`m Om gHo$;

^maV ‘| ~¢H$m| H$mo A{Yem{gV H$aZo dmbo {Z`‘m| Ho$ àmdYmZm| Ho$ AZwê$n n`m©á boIm§H$Z A{^boI aIZo ‘| g‘w{MV Ed§ n`m©á> gmdYm{Z`m§ ~aVr JB© h¢; Ed§

boIo, bm^H$mar H$mamo~ma dmbo g§ñWmZ Ho$ AmYma na V¡`ma {H$E JE h¢.

12


10. H$m°nm}aoQ> JdZ]g

~¢H$ H$m {ZXoeH$ ‘§S>b, H$m°nm}aoQ> JdZ]g àWmAm| H$mo Ajae: AnZmZo Ho$ {bE à{V~Õ h¡. ~¢H$ Zo H$m°nm}aoQ> JdZ]g na gwñnï {bpIV àUmbr VWm àWmAm| H$mo AnZm`m h¡.

11. Am^ma

{ZXoeH$ ‘§S>b ^maV gaH$ma, ^maVr` [aµOd© ~¢H$ Am¡a ^maVr` à{V^y{V Ed§ {d{Z‘` ~moS©> Ho$ A‘yë` ‘mJ©Xe©Z Ed§ gh`moJ Ho$ à{V Am^ma ì`º$ H$aVm h¡; {ZXoeH$ ‘§S>b AnZo J«mhH$m| Ed§ eo`aYmaH$m| Ûmam àXÎm {Z~m©Y g‘W©Z Ed§ {dœmg Ho$ {bE CZHo$ à{V ^r Am^ma ì`º$ H$aVm h¡. {ZXoeH$ ‘§S>b ~¢H$ Ho$ g‘J« H$m`©-{ZînmXZ hoVw ñQ>m’$ gXñ`m|o Ho$ `moJXmZ Ed§ g‘{n©V godmAm| H$s àe§gm H$aVm h¡.

{ZXoeH$ ‘§S>b H$s Amoa go

ñWmZ : ‘w§~B© amOrd F${f{XZm§H$ : 20 ‘B©, 2014 AÜ`j Ed§ à~§Y {ZXoeH$

13


à~§YV§Ì {dMma-{d‘e© Ed§ {díbofU^mJ E : Am{W©H$ n[aÑí`

d¡{œH$ J{V{d{Y`m§

df© 2013-14 ‘| d¡{œH$ AW©ì`dñWm ‘| nwZ: Xygar ~ma ‘§Xr H$m ‘mhm¡b ~Zm ahm. `yamo joÌ A§VV: à~§{YV ‘§Xr ‘| {Ka J`m. g§`wº$ amÁ` ‘| Hw$N> hX VH$ àJ{V ^r hþB©. MrZ Ed§ ^maV g{hV Hw$N>oH$ ~‹S>r CâVr AW©ì`dñWmAm| Zo {nN>bo Xmo dfm} go ‘hgyg H$s Om ahr {JamdQ> H$mo Wm‘Zo ‘| g’$bVm nmB© Am¡a CgHo$ éI H$mo D$na H$s Amoa ‘mo‹S>H$a CgH$s J{V Hw$N> ~‹T>mB©.

A§Vam©ï´>r` ‘wÐm H$mof (AmB©E‘E’$) Zo AZw‘mZ bJm`m h¡ {H$ d¡{œH$ AW©ì`WdñWm df© 2013 Ho$ {bE 3.0 à{VeV H$s AZw‘m{ZV d¥{Õ H$s VwbZm ‘|, df© 2014 ‘| 3.6 à{VeV VWm df© 2015 ‘| 3.9 à{VeV H$s Xa go àJ{V H$aoJr. CÞrV AW©ì`dñWmAm| ‘|, df© 2013 H$s VwbZm ‘|, 1 à{VeV {~ÝXw Ho$ gwYma Ho$ gmW df© 2014-15 ‘| bJ^J 21/

4 à{VeV d¥{Õ hmoZo H$s g§^mdZm h¡. CâVo ~mOma Ed§ {dH${gV

AW©ì`dñWm ‘|, `h d¥{Õ df© 2013 Ho$ 4.7 à{VeV go H«${‘H$ gwYma Ho$ gmW df© 2014 ‘| bJ^J 5 à{VeV Am¡a df© 2015 ‘| 51/4

à{VeV ahZo H$s Cå‘rX h¡.

`y.Eg. ’o$S>ab [aµOd© (’o$S>) Ho$ n[a‘mUmË‘H$ gwYma H$m`©H«$‘m| go g§^m{dV AñV-ì`ñV {ZH$mgr go Ow‹S>r OmopI‘m| Zo d¡{œH$ AW©ì`dñWm H$mo Ame§{H$V H$a {X`m h¡. df© 2013 H$s J«rî‘ F$Vw Ho$ Xm¡amZ, BgH$s PbH$ {XImB© n‹S>r Wr {H$ n[a‘mUmË‘H$ gwYma H$m`©H«$‘m| go ~mha {ZH$bZo Ho$ ’o$S> Ho$ à`mgm| go {dH${gV Ed§ {dH$mgerb Xoem| ‘| XrK©H$m{bH$ ã`mO Xam| ‘| Amdoe Am gH$Vm h¡. Q>on[a¨J go d¡{œH$ B{¹$Q>r ~mOma ‘| A’$am-V’$ar H$s {~H$dmbr H$m dmVmdaU ~Z gH$Vm h¡. CâVr AW©ì`ddñWm ‘| ny§Or àdmh ‘| VoOr go H$‘r AmZo go ’$m°aoŠg ~mOma ‘| Vrd« CVma-M‹T>md Am¡a CâVr AW©ì`dñWm H$s ‘wÐmAm| H$m Ad‘yë`Z hmoVm OmEJm.

Kaoby AW©ì`dñWm

1. gH$b Kaoby CËnmX (OrS>rnr) ‘| g§d¥{Õ

^maV H$m Am{W©H$ H$m`©{ZînmXZ Cå‘rX H$s Anojm H$‘Omoa ahm h¡, {OgHo$ n[aUm‘ñdê$n, {dÎmr` df© 2013-2014 Ho$ {bE, Xoe H$s àJ{V Ho$ nydm©Zw‘mZm| H$mo g§emo{YV H$a CÝh| H$‘ H$aZm n‹S>m. Yr‘r g§d¥{Õ, Cƒ ‘wÐmñ’$s{V Am¡a ~‹T>Vm hþAm {dÎmr` KmQ>m, BgH$s g§H$Q>J«ñV AW©ì`dñWm Ho$ {bE ^mar MwZm¡Vr nyU© hmo ahm h¡.

Ho$ÝÐr` gm§p»`H$s` g§JR>Z (grEgAmo) Ho$ VmOm àm¸$bZ Ho$ AZwgma, ^maV H$s OrS>rnr d¥{Õ df© 2012-13 ‘| XO© 5.0% H$s g§d¥{Õ H$s VwbZm ‘| {dÎmr` df© 2013-14 ‘| 4.9% Am§H$s JB© h¡.

df© 2013-14 Ho$ Xm¡amZ, BgH$s OrS>rnr ‘| H¥${f, dm{ZH$s Am¡a ‘Ëñ¶ joÌ ‘| d¥{Õ 4.6 à{VeV AZw‘m{ZV h¡, Omo {nN>bo df© 1.4 à{VeV Wr.

df© 2012-13 Ho$ Xm¡amZ, "{d{Z‘m©Ur' "IXmZ Am¡a CËIZZ', "{dÚwVU, "J¡g Am¡a Ob-Amny{V©' VWm dmñVw ‘| hþB© d¥{Õ, H«$‘e: 1.1 à{VeV, (-) 2.2 à{VeV, 2.3 à{VeV Am¡a 1.1 à{VeV H$s VwbZm ‘| df© 2013-14 Ho$ Xm¡amZ, H«$‘e: (-) 0.2 à{VeV, (-) 1.9 à{VeV, 6.0 à{VeV Am¡a 1.7 à{VeV d¥{Õ hmoZm AZw‘m{ZV h¡.

df© 2013-14 Ho$ Xm¡amZ, godm joÌ (ì`mnma, hmoQ>b, n[adhZ Ed§ g§àofU joÌ) Ho$ {bE OrS>rnr ‘| AZw‘m{ZV g§d¥{Õ, {nN>bo df© H$s 5.1 à{VeV H$s g§d¥{Õ H$s VwbZm ‘| 3.5 à{VeV ahr h¡.

2. ~¢qH$J CÚmoJ ‘| J{V{d{Y`m§

~¢H$m| H$s AmpñV JwUdÎmm {nN>bo Xmo dfm] go {~J‹S>Vr Om ahr h¡, Š`m|{H$ AW©ì`dñWm H$s aâVma {nN>bo EH$ XeH$ ‘| AnZo Ý`yZV‘ ñVa na nhþ§M JB© h¡, O~{H$ ‘wÐmñ’$s{V Am¡a ã`mO Xa| Cƒ ñVa na ~Zr aht. gH$b AemoÜ` F$U ~‹T>H$a Hw$b F$Um| Ho$ 4 à{VeV hmo JE h¢, Omo VrZ df© nyd© 2.36 à{VeV Wo.

Ama~rAmB© Zo ~ogb III ny§Or {d{Z`‘Z H$mo nyU©V`m bmJy H$aZo H$s g‘` gr‘m {XZm§H$ 31 ‘mM©, 2019 VH$ ~‹T>m Xr h¡. AVEd, ~ogb III ny§Or {d{Z`‘Zm| H$mo nyar Vah go {H«$`mpÝdV H$aZo Ho$ {bE A§Vam©ï´>r` gh‘V g‘`-gr‘m ‘| ~¢H$m| H$mo ny§Or CJmhZo Ho$ {bE Hw$N> g‘` {‘b J`m h¡.

14


~¢qH$J àUmbr H$s nwZJ©{R>V AmpñV`m§, N>h à{VeV go A{YH$ Ho$ {MÝVmOZH$ Cƒ ñVa na h¢. Ama~rAmB© Am§H$‹S>m| Ho$ AZwgma, 7 ‘mM© VH$ df©-Xa-df© H$s O‘m g§d¥{Õ 15.6% Wr, Omo EH$ df© nyd© 13.1% Wr, O~{H$ F$Um| ‘| g§d¥{Õ nyd© H$s 15.4% H$s VwbZm ‘| 14.7% Wr.

Ama~rAmB© Zo à{V^yVrH$aU Am¡a nwZ{Z©‘mU H§$n{Z`m| H$mo CZHo$ Ûmam A{YJ«{hV {dÎmr` AmpñV`m| Ho$ nwZJ©R>Z Ho$ {bE "³dmbr’$mBS> B§ñQ>rQ>çyeZb ~m`a (Š`yAmB©~r)' go {H$gr `moOZm Ho$ A§VJ©V OwQ>mB© JB© {Z{Y`m| Ho$ EH$ ^mJ H$m Cn`moJ H$aZo H$s AZw‘{V àXmZ H$s h¡.

^mJ ~r - ~¢H$ H$m H$m`©{ZînmXZ

ì`dgm`

{XZm§H$ 31 ‘mM©, 2014 H$mo ~¢H$ H$m Hw$b ì`dgm` ` 423390 H$amo‹S> ahm, Am¡a ` 4,02,272 H$amo‹S> Ho$ {nN>bo df© Ho$ Am§H$‹S>m| ‘| 5.25 à{VeV H$s d¥{Õ XO© hþB© h¡. n[aMmbZ bm^ {nN>bo df© Ho$ ` 3173 H$amo‹S> go ~‹T>H$a, ` 3238 H$amo‹S> hmo J`m, Bg‘| 2.05 à{VeV H$s d¥{Õ XO© hþB© h¡. ~¢H$ Zo df© 2013-14 ‘| ` 1263 H$amo‹S> H$s ewÕ hm{Z Xem©B© h¡, O~{H$ {nN>bo df© ` 1015 H$amo‹S> H$m bm^ hþAm Wm.

g§gmYZ g§J«hU

{XZm§H$ 31 ‘mM©, 2014 H$mo Hw$b O‘mE§ ` 240069 H$amo‹S> Wr, Bg‘| {nN>bo df© H$s VwbZm ‘| 6.21 à{VeV H$s Xa go d¥{Õ XO© hþB©. ~MV ~¢H$ O‘mE§ {nN>bo df© Ho$ ` 59090 H$amo‹S> go ~‹T>H$a df© 2013-14 ‘| ` 66474 H$amo‹S> hmo JBª. VWm{n, Mmby O‘m am{e`m§ df© 2012-13 Ho$ ` 14491 go KQ>H$a, df© 2013-14 ‘| ` 13537 H$amo‹S> hmo JB©. Hw$b O‘mAm| ‘| H$mgm O‘mAm| H$m AZwnmV 33.33 à{VeV h¡. Hw$b H$moa O‘mE§ df© 2012-13 Ho$ ` 170953 H$amo‹S> go ~‹T>H$a, df© 2013-14 ‘| ` 187164 H$amo‹S> hmo JBª, Cg‘| df© Xa df© 9.48 à{VeV d¥{Õ XO© hþB©. O~{H$ H$moa gmd{Y O‘mE§ df© 2012-13 Ho$ ` 97372 H$amo‹S> go ~‹T>H$a, df© 2013-14 ‘| ` 107624 H$amo‹S> hmo JB©, Bg‘| df©-Xa-df© 10.53 à{VeV H$s d¥{Õ XO© hþB©.

F$U

{XZm§H$ 31.03.2014 H$mo, ~¢H$ H$m gH$b F$U ` 183321 H$amo‹S> ahm, O~{H$ JV df© `h ` 176234 H$amo‹S> Wm. Bg‘| df©-Xa-df© 4.02 à{VeV H$s d¥{Õ XO© hþB©. g^r joÌm| ‘| `h d¥{Õ {ZåZmZwgma ahr :

` H$amo‹S> ‘|

{XZm§H$ 31.03.2013 H$mo {XZm§H$ 31.03.2014 H$mo d¥{Õ (%)H$m°nm}aoQ> F$U 112067 97613 (12.90)H¥${f 24658 35382 43.49E‘EgB© 17300 21515 24.36[aQ>ob F$U 22209 28811 29.73

F$U {ZJamZr {d^mJ

~¢H$ Zo EH$ gwn[a^m{fV {ZJamZr Zr{V bmJy H$s h¡, {Og‘| EgE‘E à~§YZ Ho$ g^r nhbwAm|, àma§{^H$ MoVmdZr g§Ho$VH$, {ZJamZr VWm AZwdV©Z Cnm`m| Ed§ gyMZm àUmbr g{hV, EgE‘E ({deof C„opIV ImVo) à~§YZ na {dñV¥V {Xem{ZX}e g‘m{dï> h¢.

àmW{‘H$Vm joÌ F$U

^m[a~¡ Ho$ {Xem{ZX}emZwgma, g‘m`mo{OV ~¢H$ ew× F$U H$m 40% `m BVa VwbZ-nÌ OmopI‘ Ho$ g‘H$j F$U, Omo ^r A{YH$ hmo, àmW{‘H$Vm àmá joÌ Ho$ A§VJ©V àXmZ {H$`m Om`oJm. AV: Bg joÌ Ho$ A§VJ©V F$U àdmh ~¢H$ Ho$ {bE AË`§V ‘hËd H$m joÌ h¢. h‘Zo H¥${f, E‘EgB©, Amdmg, e¡{jH$ Ed§ AÝ` joÌ Omo àmW{‘H$Vm joÌ Ho$ à‘wI KQ>H$ h¢ ‘| F$U àdmh ~T>mµZo na {deof Ü`mZ {X`m h¡ . BgHo$ n[aUm‘ ñdê$n, àmW{‘H$Vm joÌ Ho$ A§VJ©V h‘mar d¥{× à^mdnyd© ahr h¡.

15


{XZm§H$ 31.03.2014 H$mo àmW{‘H$Vm àmá joÌ Ho$ {d{dY AZw^mJm| Ho$ A§VJ©V ~¢H$ H$m H$m`©-{ZînmXZ {ZåZmZwgma h¡-

` H$amo‹S> ‘|

H«$‘ g§»`m

{ddaU ‘mM© 2013 ‘mM© 2014 d¥{Õ (%)

g‘m`mo{OV ewÕ ~¢H$ F$U (EEZ~rgr) 151116 179152 1 àmW{‘H$Vm àmá joÌ A{J«‘

EEZ~rgr H$m à{VeV51259 33.92

68648 38.32

33.92

2 Hw$b H¥${f F$U EEZ~rgr H$m à{VeV

24658 16.31

35382 16.32

43.49

3 àË`j H¥${f F$U EEZ~rgr H$m à{VeV

19849 13.13

24388 13.61

22.87

4 AàË`j H¥${f F$U EEZ~rgr H$m à{VeV

4809 3.18

10994 6.14

128.61

5 gyú‘ Ed§ bKw CX²¶‘r 17300 21515 24.366 e¡j{UH$ F$U 2525 3072 21.667 Amdmg F$U (` 25.00 bmI VH$) 6545 8418 28.628 gyú‘ F$U Ed§ AÝ` 240 261 8.759 àmjo Ho$ A§VJ©V ‘Ü`‘ ({d{Z‘m©U) CX²¶‘ - 3 -10 àmjo Ho$ A§VJ©V ‘Ü`‘ (godm) CX²¶‘ - 35 -

àmW{‘H$Vm àmá joÌ

df© 2013-14 Ho$ Xm¡amZ àmW{‘H$Vm joÌ Ho$ A§VJ©V F$U àdmh {nN>bo df© ` 51,259 H$amo‹S>> go ~T>H$a ` 68,648 H$amo‹S>> hmo J`m h¡ Bg‘| {nN>bo df© Ho$ AmYma na 33.92% XO© hþB©.

H¥${f

{XZm§H$ 31.03.2014 H$mo Hw$b H¥${f F$U ` 35382 H$amo‹S> hmo JE Am¡a BZ‘| {nNbo df© {XZm§H$ 31.03.2013 Ho$ ` 24658 H$amo‹S> Ho$ AmYma na 43.49% H$s d¥{Õ XO© hþB©. df© Ho$ Xm¡amZ g‘m`mo{OV ewÕ ~¢H$ F$U(EEZ~rgr) ‘| H¥${f F$U H$m à{VeV ^r 16.31% go ~‹T>H$a 19.75% hmo J`m h¡.

gyú‘ F$U

~¢H$ Ûmam 42,560 bm^m{W©`m| H$mo à{V CYmaH$Vm© ` 50,000 Ho$ {hgm~ go Hw$b ` 261 H$amo‹S> Ho$ F$U àXmZ {H$E JE h¢.

ñd`§ ghm`Vm g‘yh

dV©‘mZ df© Ho$ Xm¡amZ Bg `moOZm Ho$ A§VJ©V ~¢H$ Ûmam 65939 g‘yh J{R>V {H$E JE. {OZ‘| go 60278 g‘yh F$U g§~Õ {H$E JE h¢. {XZm§H$ 31 ‘mM©, 2014 H$mo Hw$b 145296 g‘yh Wo, {OZ‘| go 89974 g‘yh F$U g§~Õ h¢ {OZ‘| ~H$m`m F$U ` 879.17 H$amo‹S> h¡. F$U-g§~Õ g‘yhm| ‘| go 78769 ‘{hbm g‘yh h¢, {OZH$s Hw$b ñdrH¥$V F$U gr‘m ` 733.57 H$amo‹S> h¢, Omo Hw$b F$U g§~Õ g‘yhm| H$m 83.44% h¡.

gaH$ma àm`mo{OV H$m`©H«$‘ (2013-14)

~¢H$ Zo df© Ho$ Xm¡amZ, {d{^Þ gaH$ma àm`mo{OV H$m`©H«$‘m| Ho$ A§VJ©V {ZåZmZwgma F$U ñdrH¥$V {H$E h¢ :(` H$amo‹S> ‘|)

H«$.g§. `moOZm df© 2013-14 Ho$ Xm¡amZ g§{dVaUImVm| H$s g§. am{e

1 EZAmaEbE‘/EgOrEgdmB© 31658 304.212 EgOoEgAmadmB© 13195 201.643 nrE‘B©Ornr 7474 155.63

16


H$‘Omoa dJm] H$mo A{J«‘

df© Ho$ Xm¡amZ, ~¢H$ Ûmam H$‘Omoa dJ© H$s {d{^Þ loUr Ho$ bmoJm| H$mo ` 20953 H$amo‹S> Ho$ F$U g§{dV[aV {H$E, Omo EEZ~rgr H$m 11.70% h¡ Ed§ Omo gaH$ma Ûmam {ZYm©[aV bú` (10%) go A{YH$ h¡.

Aëng§»`H$ g‘wXm`m| H$mo A{J«‘

~¢H$ Zo {d{^Þ Aëng§»`H$ g‘wXm`m| Ho$ 6,69,940 bm^m{W©`m| H$mo ` 8,988.00 H$amo‹S> H$s {d{^Þ F$U gw{dYmE§ àXmZ H$s h¡, Omo {XZm§H$ 31.03.2014 H$mo àmW{‘H$Vm àmá joÌ Ho$ F$Um| H$m 13.09% h¡.

‘{hbm bm^m{W©`m| H$mo A{J«‘

‘{hbm bm^m{W©`m| Ho$ F$U g§{dVaU Ho$ A§VJ©V {nN>bo df© Ho$ 679418 bm^m{W©`m| H$mo ` 7,587.00 H$amo‹S>> H$s VwbZm ‘| Bg df© 6,52,446 ‘{hbm bm^m{W©`m| H$mo ` 11,313.00 H$amo‹S>> g§{dVaU H$s gwYmamË‘H$ pñW{V ahr h¡, n[aUm‘ñdê$n, `h EEZ~rgr H$m 6.31% h¡ Omo ^m[a~¢ Ûmam {ZYm©[aV Ý`yZV‘ ‘mZX§S> 5% go A{YH$ h¡.

{dÎmr` g‘mdoeZ

~¢H$ Zo 2000 go A{YH$ H$s Am~mXr dmbo 4330 Jm§d VWm 2000 go H$‘ Am~mXr dmbo 6743 Jm§d H$da {H$E h¢. ~¢H$ Zo `o Jm§d 5588 ~rgr EO|Q>m| Ho$ ‘mÜ`‘ go Amd¥Îm {H$E h¢. h‘Zo ~¢H$ a{hV J«m‘rU Ho$ÝÐm| ‘| 215 emImE§ ^r Imobr h¡.

1. ~¢H$ Zo g^r 3677 A{V gyú‘ emImE§ Imob Xr h¡ Omo 1427 AmYma emImAm| go g§~Õ h¡..

2. ~¢H$ Zo EZgrAma joÌ ‘| 17 VWm ^monmb joÌ ‘| 9 ehar {dÎmr` g‘mdoeZ Ho$ÝÐ Imobo h¢.

3. ~rgr Ho$ ‘mÜ`‘ go {dÎmr` g‘mdoer ImVm| ‘| boZXoZ H$s g§»`m {dÎm df© 2012-13 Ho$ 22.42 bmI go ~‹T>H$a {dÎmdf© 2013-14 ‘| 31.65 bmI hmo JE h¢. (df© Xa df© 41.17% d¥{× XO©)

4. {dÎmdf© 2012-13 ‘| ~rgr Ho$ ‘mÜ`‘ go Imobo JE {dÎmr` g‘mdoeZ ImVm| ‘| boZXoZ H$s am{e 154.39 H$amo‹S>> go ~T>H$a {dÎmdf© 2013-14 ‘| `h 338.86 H$amo‹S>> hmo JB© h¡ (df©-Xa-df© d¥{× 119.48%).

5. {dÎmdf© 31 ‘mM©, 2013 ‘| ~rgr Ho$ ‘mÜ`‘ go àmá ì`dgm` ` 24.67 bmI go ~T>H$a 31 ‘mM©, 2014 H$mo ` 74.99 bmI hmo J`m h¡: 204% H$s d¥{×.

6. ~rgr Ho$ ‘mÜ`‘ go Imobo JE Hw$b ImVm| H$s g§»`m 31 ‘mM©, 2013 Ho$ 37.3 bmI go ~T>H$a 31 ‘mM©, 2014 H$mo 51.00 bmI hmo JB©.: 36.73% H$s d¥{×.

7. ~¢H$ Zo ~rgr Ed§ emImAm| Ho$ ‘mÜ`‘ go 92.27 bmI "~o{gH$ ~MV ImVo (~rEg~rS>rE)' Imobo h¢. BZ ImVm| ‘| Hw$b O‘m eof ` 445.58 H$amo‹S> h¡.

8. h‘mao g^r {dÎmr` g‘mdoeZ ImVm| H$mo ~¢H$ Ho$ gr~rEg ‘| ‘mBJ«oQ> H$a {X`m J`m h¡.

9. 70% J«mhH$m| Ho$ q’$Ja qàQ²g ~¢H$ Ho$ Ho$ÝÐr` ~m`mo‘o{Q´H$ A{Yà‘mUZ gd©a ‘| ‘m¡OyX h¢.

àË`j bm^ A§VaU

S>r~rQ>r Ho$ A§VJ©V, h‘mam ~¢H$ AmR> {Obm| hmoe§Jm~mX (‘.à.), A‘amdVr (‘hm.), Hy$M{~hma (n.~.), BQ>mdm (C.à.), ObJm§d (‘hm.), O~bnwa (‘.à.), H$mo[a`m (N>ÎmrgJ‹T>>) Ed§ H$moQ>m (amO.) ‘| AJ«Ur ~¢H$ h¡.

gaH$ma go àmá 4.43 bmI S>r~rQ>r bm^m{W©`m| H$s gyMr ‘| go, g^r 4.43 bmI (100%) bm^m{W©`m| Ho$ ImVo ~¢H$ ×mam nhbo hr Imob {XE JE h¢.

[aQ>ob F$U

[aQ>ob F$U `moOZmAm| Ho$ A§VJ©V Hw$b ~H$m`m F$U 31.03.2013 Ho$ ` 22209 H$amo‹S> go 29.73% H$s d¥{× Ed§ ` 6602 H$s n[a‘mUmË‘H$ d¥{× Ho$ gmW ~‹T>>H$a {XZm§H$ 31.03.2014 H$mo ` 28811 H$amo‹S> hmo J`m h¡. ~¢H$ H$m [aQ>ob nmoQ>©’$mo{b`mo Hw$b A{J«‘m| H$m 15.72% Wm.

17


31/03/12 31/03/13 31/03/2014[aQ>ob F$U 16915 22209 28811Hw$b F$U 1,50,725 1,76,234 1,83,321Hw$b F$U H$m % 11.22% 12.60% 15.72%

A§Vam©ï´>r` à^mJ

~¢H$ H$m {dXoer {d{Z‘` ì`dgm` Xoeâ ‘| ’¡$br 116 àm{YH¥$V S>rba emImAm| ×mam g§nm{XV {H$`m OmVm h¡. n[aMmbZr` XjVm Ho$ {bE ~¢H$ H$m ‘wå~B© ‘| EH$ Ho$ÝÐrH¥$V S>rqbJ ê$‘ h¡ Vm{H$ H$mof à~ÝYZ d n[aMmbZr` gw{dYm ‘| ~ohVar hm{gb H$s Om gHo$.

Mmby {dÎm df© ‘|, ~¢H$ H$m {Z`m©V F$U nmoQ>©’$mo{b`mo {XZm§H$ 31.03.2013 Ho$ ` 5258 H$amo‹S> go ~‹T>H$a {XZm§H$ 31.03.2014 H$mo ` 5509 H$amo‹S>> hmo J`m h¡.

{dÎmr` df© 2013-14 ‘| {dXoer {d{Z‘` ì`dgm` ‘| Hw$b Q>Z©Amoda ` 43,783 H$amo‹S> hmo J`m. O~{H$ {dÎmdf© 2012-13 ‘| `h ` 36,758 H$amo‹S> Wm.

31.03.2014 H$mo ~¢H$ H$s A{Zdmgr O‘m am{e`m§ {nN>bo df© {XZm§H$ 31.03.2013 Ho$ 1716.15 na 44.82% H$s d¥{Õ Ho$ gmW ~TH$a ` 2485.28 H$amo‹S>> hmo JB© h¡.

E’$grEZAma O‘mE§ {nN>bo df© 31.03.2013 Ho$ `yEgS>r 117.82 {‘{b`Z Ho$ ‘wH$m~bo {XZm§H$ 31.03.2014 H$mo 20% d¥{× Ho$ gmW `yEgS>r 142.12 {‘{b`Z hmo JB© h¡.

QóOar, H$mof Ed§ {Zdoe

~¢H$ H$m {Zdoe nmoQ>©’$mo{b`mo {XZm§H$ 31 ‘mM© 2014 H$mo ~‹T>H$a ` 86384 H$amo‹S> hmo J`m h¡, Omo {XZ§H$ 31 ‘mM©, 2013 ‘| 72662 H$amo‹S> Wm. Bg àH$ma {nN>bo df© Ho$ AmYma na Bg‘| 18.88% H$s d¥{× XO© H$s JB© h¡. Xgdfu` ~|M‘mH©$ à{V’$b {XZm§H$ 31.03.2013 Ho$ 7.95% H$s VwbZm ‘| {XZm§H$ 31 ‘mM©, 2014 H$mo 8.83% ahm h¡.

^maVr` [aOd© ~¢H$ Zo énò H$m Ad‘yë`Z amoH$Zo H$s {Xem ‘| {d{^Þ H$X‘ CR>mE h¢ {OZ‘| AmodaS´mâQ> Xam| ‘| d¥{Õ ×mam ‘m§J na {Z`§ÌU em{‘b h¡. AJñV 2013 ‘| E‘EgE’$ Xam| H$mo aonmoaoQ> go 3% D$na 10.25% H$a {X`m J`m Wm Ed§ ~mX ‘| Cgo nwZ: ~¢H$ aoQ> Ho$ AZwê$n H$a {X`m J`m Wm.

OmopI‘ à~ÝYZ

OmopI‘ à~ÝYZ àUmbr/g§JR>ZmË‘H$ g§aMZm

~¢H$ ‘| A~ gwñWm{nV à~ÝYZ àUmbr ‘m¡OyX h¡. ~¢H$ Ho$ {ZXoeH$ ‘§S>b H$s OmopI‘ à~ÝYZ g{‘{V F$U ~mOma, VWm n[aMmbZ OmopI‘m| Ho$ A§VJ©V ~¢H$ H$s OmopI‘ à~ÝYZ Zr{V`m|/àWmAm| H$m {Z`{‘V n`©dojU H$aVr h¡. g{‘{V CËnmXm| Ho$ H$s‘V {ZYm©aU, ~mOma H$s KQ>ZmAm| go g§~§{YV OmopI‘ ‘m°S>b H$m {ZYm©aU Zr{V`m| Ed§ à{H«$`mAm| H$s g‘rjm Ho$ Abmdm ZB© OmopI‘m| H$s nhMmZ d CZH$m {Z`§ÌU ^r H$aVr h¡. H$m°anmoaoQ> ñVa na g§~§{YV {d^mJm| Ho$ {d{^Þ OmopI‘ n¡am‘rQ>am| na ^r g{‘{V ×mam {Z`{‘V {ZJamZr aIr OmVr h¡.

dgybr

AZO©H$ AmpñV`m| Ho$ à~ÝYZ Ho$ {bE ~¢H$ ‘| {dñV¥V {Xem{ZX}em|`wº$ gwn[a^m{fV dgybr Zr{V ‘m¡OyX h¡. Bg‘| EZnrE à~ÝYZ Ho$ g^r joÌ, {ZJamZr, AZwdVu Cnm`, g‘Pm¡Vm g‘mYmZ, ñQ>m’$ Odm~Xohr, ga’o$gr A{Y{Z`‘ àdV©Z EO|{e`m| H$s {Z`w{º$, EAma~r H$mo AmpñV`m| H$s {~H«$s BamXVZ MyH$H$Îmm© VWm à~ÝYZ gyMZm àUmbr em{‘b h¡. AW©ì¶dñWm ‘| hþE ZdrZV‘ n[adV©Z/J{V{d{Y`m| Ed§ EZnrE {ZnQ>mZ H$s àd¥{Îm`m| BË`m{X H$mo g‘m{hV H$aZo Ho$ {bE Bg Zr{V H$s g‘`-g‘` na g‘rjm H$s OmVr h¡.

{dÎmdf© 2013-14 Ho$ Xm¡amZ, `Ú{n, ~¢H$ Zo ZH$X dgybr ` 1104 H$amo‹S>, ` 766 H$amo‹S> H$m AnJ«oSo>eZ, ` 1278 H$amo‹S> H$s AZO©H$ AmpñV`m| H$s {~H«$s VWm ~Å>mH¥$V ImVm| ‘| ` 290 H$amo‹S> H$s dgybr Ho$ gmW Hw$b {‘bmH$a ` 3438 H$amo‹S> H$m gwYma {H$`m h¡ na§Vw Cƒ am{e`m| Ho$ ZE ImVm| Ho$ Ow‹S> OmZo go (` 50.00 H$amo‹S> Ed§ Bggo A{YH$ Ho$ 24 ImVo, Hw$b am{e ` 4176 H$amo‹S>) H$m`© {ZînmXZ na {dnarV à^md nS>m h¡.

18


gyMZm àm¡Úmo{JH$s

~¢H$ Zo {Xgå~a 2010 ‘| Ho$ÝÐrH¥$V ~¢qH$J gmoë`yeZ (gr~rEg) Ho$ A§VJ©V emImAm| H$m 100% H$daoO hm{gb H$a {b`m h¡. H$moa ~¢qH$J gmoë`yeZ Ho$ {bE {gñQ>‘ B§Q>rJ«oQ>a ‘ogg© Q>rgrEg Ho$ gmW {XZm§H$ 1 Aºy$~a, 2012 go 5 df© Ho$ {bE g§{dXm H$m ZdrZrH$aU {H$`m J`m h¡. g§{dXm ZdrZrH$aU à{H«$`m ‘| AmJm‘r ì`dgm` àm¸$bZm| Am¡a AÝ` gm§{d{YH$ VWm gwajm A{Zdm`©VmAm| Ho$ AZwê$n gr~rEg H$m`m©Ýd`Z Ho$ {bE, {dX²¶‘mZ g§JUZm g§gmYZ AWm©V hmS©>doà, ZoQ>d{Hª$J, gm°âQ>doà, gwajm Ed§ AÝ` gå~Õ Amdí`H$VmAm| H$m g§dY©Z/CÞm`Z dñVwV: em{‘b h¡. A~, {gVå~a 2017 VH$ ~¢H$ H$s Amdí`H$Vm Ho$ AZwê$n g§nyU© T>m§Mm ì`dpñWV hmo MwH$m h¡.

boImnarjU Ed§ {ZarjU

{XZm§H$ 31.03.2013 H$mo ‘Ü`‘ OmopI‘ aoqQ>J dmbr 2481 emImE§ Ed§ Aën OmopI‘ aoqQ>J dmbr 1648 emImE§ Wt. {XZm§H$ 31.03.2014 H$mo ‘Ü`‘ OmopI‘ aoqQ>J dmbr 2245 emImE§, Aën OmopI‘ aoqQ>J dmbr 2130 emImE§ h¢ VWm Cƒ OmopI‘ aoqQ>J dmbr {g’©$ 13 emImE§ h¢. Bg àH$ma, g§nyU© ~¢H$ ‘| emImAm| Ho$ OmopI‘ {ZYm©aU ‘| Hw$b-{‘bmH$a gwYma hþAm h¡.

emIm {dñVma

{XZm§H$ 31 ‘mM©, 2014 H$mo ~¢H$ Ho$ nmg 4573 emImAm|, 3677 A{V gyú‘ emImAm|, 3628 EQ>rE‘, 29 g¡Q>obmBQ> H$m`m©b`m| Am¡a 4 {dñVma nQ>b H$m ZoQ>dH©$ h¡. Xoe Ho$ g^r 28 amÁ`m|, 7 g§K em{gV joÌm| ‘| go 6 ‘|, 561 {Obm ‘w»`mb`m| Ed§ 642 {Obm| ‘| go 568 {Obm| ‘| {dX²¶‘mZ ZoQ>dH©$ Ho$ gmW ~¢H$ H$s Xoeì`m>nr CnpñW{V h¡.

J«mhH$ {eH$m`V|

h‘mao ~¢H$ Zo J«mhH$m| H$s {eH$m`Vm| Ho$ {ZdmaU hoVw, ~ohVa gw{dYm àXmZ H$aZo Ho$ {bE Q>mob ’«$s Zå~a 1800 200 1911 Ho$ gmW 24X7 K§Q>o H$m°b goÝQ>a àma§^ {H$`m h¡. {eH$m`Vm| Ho$ Ëd[aV {ZamH$aU hoVw J«mhH$ {eH$m`V {ZdmaU àUmbr H$mo nyU©V: Am°Z-bmBZ {H$`m J`m h¡. g^r àmá {eH$m`Vm| H$mo QóqH$J gw{dYm Ho$ gmW `y{ZH$ AmBS|>{Q>{’$Ho$eZ Zå~a Am~§{Q>V {H$`m OmVm h¡.

amO^mfm

{dÎmr` df© 2013-14 Ho$ Xm¡amZ gaH$ma H$s amO^mfm Zr{V Ho$ CËH¥$ï> H$m`m©Ýd`Z Ho$ {bE amO^mfm {d^mJ, J¥h ‘§Ìmb`, ^maV gaH$ma Ûmam ~¢H$ H$mo "B§{Xam Jm§Yr amO^mfm erëS>' go ZdmOm J`m. `h erëS> {dkmZ ^dZ, ZB© {X„r ‘| Am`mo{OV EH$ ^ì` g‘mamoh ‘| ‘hm‘{h‘ amï´>n{V lr àU~ ‘wIOu Ho$ H$a-H$‘bm| go AÜ`j Ed§ à~§Y {ZXoeH$ lr amOrd F${f Zo àmá H$s.

~¢H$ H$mo ^m{fH$ joÌ "H$' Ed§ "I' ‘| amO^mfm Zr{V Ho$ CËH¥$ï H$m`m©Ýd`Z Ho$ {bE "[aµOd© ~¢H$ Am°’$ B§{S>`m JdZ©a erëS'> ^r àmá hþB©.

gmW hr, df© 2013-14 ‘| h‘| ‘hmamï´> amÁ` ‘| amO^mfm Zr{V Ho$ CËH¥$ï> H$m`m©Ýd`Z Ho$ {bE ‘hmamï´> amÁ` ñVar` ~¢H$g© g{‘{V Ûmam VWm JwOamV amÁ` ‘| amO^mfm Zr{V Ho$ CËH¥$ï> H$m`m©Ýd`Z Ho$ {bE JwOamV amÁ` ñVar` ~¢H$g© g{‘{V Ûmam ^r nwañH¥$V {H$`m J`m.

H$m°nm}aoQ> H$å`y{ZHo$eZ

~¢H$ Zo df© Ho$ Xm¡amZ, ~¢H$ Ho$ CËnmXm| Ed§ godmAm| H$m ì`mmnH$ àMma-àgma H$aZo Am¡a ~¢H$ Ho$ {bE Z`m ì`dgm` àmá H$aZo hoVw H$m°nm}aoQ> ~«|qS>J H$m`©dmhr Ho$ A§VJ©V AnZo gVV à`mg Omar aIo h¢. ‘mH}$qQ>J Ed§ ~«¡S> CÔoí`m| H$mo hm{gb H$aZo Ho$ {bE, qàQ>, BboŠQ´m{ZH$ Ed§ AmCQ>S>moa ‘r{S>`m Ho$ gmYZm| H$m Cn`moJ H$aVo hþE A{^`mZ MbmE JE.

gVH©$Vm

df© 2013-14 H$s Ad{Y Ho$ Xm¡amZ, gVH©$Vm ‘m‘bm| Ed§ {eH$m`Vm| H$m H$m’$s erK«Vm go {ZdmaU {H$`m J`m h¡. {XZm§H$ 31.03.2013 H$mo N>: ‘mh H$s A{YH$ g‘` go ~H$m`m ‘m‘bm| H$s g§»`m 60 go KQ>H$a, {XZm§H$ 31.03.2014 H$mo 23 ah JB© h¡.

Am§M{bH$ H$m`m©b`m| ‘| {ZamoYmË‘H$ gVH©$Vm ‘wÔm| Ed§ {gñQ>‘ H$s Im{‘`m| H$mo XwañV H$aZo Ho$ à^mdr Cnm`m| na MMm© H$aZo Ho$ {bE àËòoH$ {V‘mhr ‘| YmoImY‹S>r amoH$Wm‘ g{‘{V H$s ~¡R>H$ Am`mo{OV H$s OmVr h¡. Bg g{‘{V ‘| Am§M{bH$ à~§YH$/joÌr` à~§YH$/gVH©$Vm A{YH$mar VWm J«m‘rU/AÕ©-ehar/ehar emImAm| go EH$ emIm à~§YH$ hmoVo h¢.

19


‘mZd g§gmYZ {dH$mg

1. ‘mZde{º$ :

‘mM© 2014 H$s g‘m{á na, ~¢H$ ‘| H$‘©Mm[a`m| H$s g§»`m 40,661 Wr, O~{H$ JV df© `h 37,113 Wr. ñQ>m’$ gXñ`m| H$m loUrdma {dKQ>Z {ZåZmmZwgma h¡ :

loUr ‘mM© 2014 ‘mM© 2013A{YH$mar 16,180 14,043{b{nH$ 15,424 13,475AYrZñW H$‘©Mmar 9,057 9,595Hw$b `moJ 40,661 37,113

2. à{ejU :

ñdñÏ¶ nXmamohU V¡`ma H$aZo Ed§ gwÑ‹T> à~§YH$s` Q>r‘ Ho$ {bE, JwUdÎmmnyU© à{ejU EH$ ‘yb ~w{Z`mX h¡. VXZwgma, df© 2013-14 Ho$ Xm¡amZ, "à{ejU Ed§ {dH$mg' H$m`©H«$‘ na ~b XoZm Omar aIm J`m. df© 2013-14 H$mo "H¡$no{gQ>r {~pëS§>J B©à' Ho$ ê$n ‘| A{^{MpÝhV {H$`m J`m. Bg n¥ð>^y{‘ Am¡a ~¢H$ H$mo "b{ZªJ Am°J©ZmBOoeZ' Ho$ ê$n ‘| ê$nm§V[aV H$aZo Ho$ gVV à`mgm| H$mo J{V XoZo Ho$ {bE à{ejU J{V{d{Y H$s g§nyU© ì`dñWm, {Og‘| à{e{jU ‘m°S>çyëg, {df`dñVw² Am¡a {S>{bdar {gñQ>‘ BË`m{X h¢. ‘| A{^Zd n[adV©Z {H$E JE h¢.

df© 2013-14 Ho$ Xm¡amZ, VrZ à{ejU ‘hm{dÚmb`m| VWm 16 Am§M{bH$ H$‘©Mmar à{ejU Ho$ÝÐm|o ‘| 163687 H$m`©-{Xdg Ho$ Cn`moJ go Šbmgê$‘, bmoHo$eZb, AmaAma~r VWm {deof à{ejU g{hV 1490 H$m`©H«$‘ Am`mo{OV {H$E JE. BgHo$ Abmdm EZAmB©~rE‘, grE~r, AmB©AmB©~rE‘, AmB©S>rAma~rQ>r, ~rAmB©AmaS>r, AmB©AmB©~rE’$ BË`m{X O¡gr ~mhar à{ejU EOopÝg`m| Ûmam Am`mo{OV {deofrH¥$V à{ejU H$m`©H«$‘m| ‘| {d{^Þ doVZ‘mZm| Ho$ 316 A{YH$m[a`m| H$mo Zm{‘V {H$`m J`m, {OZ‘| 33179 à{V^m{J`m| Zo gh^m{JVm H$s.

gmW hr, df© 2013-14 ‘| ’o$S>mB©, ~¢H$mí`wa|g, brS>a{en àmoJ«m‘, ES>dm§g brS>a{en àmoJ«m‘, BZ’$m°a‘oeZ {gŠ`y[aQ>r, n[aMmbZ OmopI‘ à~§YZ, grAmaE‘/EZm{b{Q>Šg, CÞV à~§YZ H$m`©H«$‘, CËnmX ZdmoÝ‘ofr CËH¥$ï>Vm ~¢qH$J Ed§ {dÎm ‘| CËH¥$ï>Vm Ho$ {bE brS>a{en, EZm{bQ>rH$b Ed§ {H«$ò{Q>d àm°ãb‘ gm°pëd¨J, gm‘m{OH$-Am{W©H$ àJ{V Ho$ {bE {H«${Q>H$b B§Q>aZoQ> [agmog}O BZo~ba, EJ«mo {~OZog Ed§ H¥${f àg§ñH$aU na A§Vam©ï´>r` EŠgnmoOa àmoJ«m‘m| Ho$ {bE {d{^Þ {dXoer à{ejU H$m`©H«$‘m|/EŠgmonmoOa hoVw 54 A{YH$m[a`m| H$mo ôOm J`m Wm.

AZwf§Jr Ed§ g§`wº$ CX²¶‘

i. goÝQ>~¢H$ hmo‘ ’$mBZ|g {b{‘Q>oS>

eoàYmaH$m| H$mo amBQ> Bí`yQ> eoà Am~§{Q>V H$aZo go ñdm{YH¥$V {Z{Y`m§ ‘mM© 2014 H$mo ` 82.82 H$amo‹S> hmo JBª, O~{H$ ‘mM© 2013 ‘| ò ` 64.01 H$amo‹S> Wt.

df© Ho$ Xm¡amZ, H§$nZr H$m Hw$b A{J«‘ ‘mM© 2013 Ho$ ` 401.60 H$amo‹S> go ~‹T>H$a ‘mM© 2014 H$mo ` 487.60 H$amo‹S> hmo J`m, Bg‘| df©-Xa-df© 21.41% H$s d¥{Õ hþB©. Amdmg F$U ‘mM© 2013 Ho$ ` 289.11 H$amo‹S> go ~‹T>H$a, ‘mM© 2014 H$mo ` 356.03 H$amo‹S> hmo JE, BZ‘| 64.60% H$s d¥{Õ XO© hþB©. J¡a-Amdmg F$U ` 112.49 H$amo‹S> go ~‹T>H$a, ` 131.38 H$amo‹S> hmo JE, BZ‘| 16.79% H$s d¥{Õ XO© hþB©.

[aQ>ob O‘mAm| Ed§ g§ñWmJV O‘mAm| ‘| df©-Xa-df© 38.68% H$s d¥{Õ XO© hþB© VWm ò ‘mM© 2013 Ho$ ` 227.60 H$amo‹S> go ~‹T>H$a, ‘mM© 2014 ‘| ` 315.65 H$amo‹S> hmo JB©.

df© 2013-14 Ho$ g§nyU© df© Ho$ {bE H§$nZr H$m ewÕ bm^ ` 11.29 H$amo‹S> ahm, O~{H$ df© 2012-13 Ho$ g§X^© df© Ho$ {bE `h ` 10.06 H$amo‹S> Wm. Am` ‘| `h d¥{Õ ZE g§{dVaUm| Ho$ H$maU ã`mO Am` ‘| hþB© d¥{Õ Ho$ H$maU h¡.

à{V eoà Am` ` 48.41 (` 100 à{V eoà) JV df© ` 50.32 h¡, H§$nZr Zo df© Ho$ Xm¡amZ àXV² ny§Or ` 20.00 H$amo‹S> go ~‹T>mH$a ` 25.00 H$amo‹S> H$s h¡.

‘mM© 2014 ‘| EZnrE ` 16.02 H$amo‹S> ahm, O~{H$ ‘mM© 2013 ‘| `h ` 14.86 H$amo‹S> Wm.

20


‘mM© 2014 H$mo ewÕ A{J«‘ ‘| ewÕ EZnrE H$m AZwnmV 1.12% ahm.

AmpñV`m| na à{V’$b 2.41% (JV df© 2.45%) ahm.

{XZm§H$ 31 ‘mM©, 2014 H$mo grEAma 24.27% Wm.

ii. goÝQ>~¢H$ ’$mBZ|{e`b g{d©goO {b{‘Q>oS>

goÝQ>~¢H$ ’$mBZ|{e`b g{d©goO {b{‘Q>oS> ‘w»` ê$n go AZwf§Jr H$m°nm}aoQ> {dÎmr` godmE§ àXmZ H$a ahm h¡. grE’$EgEb {ZåZ{bpIV joÌm| ‘| ì`dgm` H$a ahm h¡:

l n[a`moOZm ‘yë`m§H$Z Ed§ F$U g‘yhZ

l ny§Or ~mOma boZXoZ (B{¹$Q>r Ed§ F$U XmoZm|)

H$m°nm}aoQ> nam‘e©XmÌr godmE§, {Og‘| {db` Ed§ A{YJ«hU VWm H$O© nwZJ©R>Z, n[a`moOZm nam‘e©XmÌr, à{V^yVrH$aU, OmopI‘ à~§YZ, ì`dgm` ‘yë`m§H$Z, {ZOr B{¹$Q>r VWm Q>rB©dr [anmoQ>© em{‘b h¡.

{S>~|Ma/à{V^y{V Q´ñQ>r g{hV Q´ñQ>r{en godmE§, EŠOrŠ`yQ Q´ñQ>r Ed§ à~§YZ Mo[aQ>o{~b Q´ñQ>r godmE§ h¢.

{dÎmr` AÚVZ OmZH$mar :

H§$nZr Zo ‘mM© 2014 ‘| ` 2.82 H$amo‹S> H$m ewÕ bm^ A{O©V {H$`m, Omo JV df© ` 7.88 H$amo‹S> Wm.

g‘yhZ go Am`, JV df© Ho$ ` 10.31 H$amo‹S> H$s VwbZm ‘| df© 2013-14 ‘| ` 4.51 H$amo‹S> hþB©. g‘yhZ ewëH$ ‘| H$‘r H$m à‘wI H$maU, {dnarV ~mOma n[apñW{V`m| H$m hmoZm Wm.

dV©‘mZ {dÎmr` df© ‘| nam‘e©XmÌr d{Q©>H$b go H§$nZr Zo ` 2.85 H$amo‹S> H$m ewëH$ A{O©V {H$`m, Bg‘| AÝ` Q>rB©dr [anmoQ>© Ho$ Abmdm, H$m°nm}aoQ> H$O© nwZJ©R>Z H$m`m] go ` 1.50 H$amo‹S> Am¡a amBQ> Bí`y H$m`© go ` 60.00 bmI em{‘b h¡, O~{H$ {dÎmr` df© 2013 ‘| `h ` 77 bmI Wm.

Q´ñQ>r{en d{Q©>H$b go H§$nZr Zo {nN>bo {dÎmr` df© Ho$ ` 1.61 H$amo‹S> H$s VwbZm ‘| Bg df© ` 2.13 H$amo‹S> H$m ewëH$ A{O©V {H$`m.

iii. B§S>mo-Ompå~`m ~¢H$ {b{‘Q>oS>

Ompå~`m gaH$ma VWm ^maV Ho$ VrZ ~¢H$m| AWm©V goÝQ´b ~¢H$ Am°’$ B§{S>`m, ~¢H$ Am°’$ ~‹S>m¡Xm, ~¢H$ Am°’$ B§{S>`m Ûmam g§`wº$ ê$n go Ompå~`m ‘| ~¢H$ H$m g§`wº$ CÚ‘ ñWm{nV {H$`m J`m h¡. Bg‘| BZ VrZm| ^maVr` ~¢H$m| ‘| go àË`oH$ H$s 20% B{¹$Q>r h¡, O~{H$ eof 40% B{¹$Q>r Ompå~`m JUamÁ` gaH$ma H$s h¡.

~¢H$ g^r n¡am‘rQ>am| ‘| ~ohVa H$m`©{ZînmXZ Xem© ahm h¡ Am¡a ` 2634 H$amo‹S> Ho$ Hw$b ì`dgm` {‘l Ho$ gmW A^r Ompå~`m H$m N>R>m g~go ~‹S>m ~¢H$ h¡.

~¢H$ Zo {XZm§H$ 31 {Xgå~>a, 2013 H$mo g‘má df© Ho$ {bE g§`wº$ CÚ‘ ‘| ` 60 bmI Ho$ Hw$b {Zdoe go ` 37.69 H$amo‹S> H$m ewÕ bm^ A{O©V {H$`m. {nN>bo nm§M dfm] Ho$ Xm¡amZ Ho$db h‘mao ~¢H$ Ûmam ` 440 bmI go A{YH$ H$m Hw$b bm^m§e A{O©V {H$`m h¡.

iv. joÌr` J«m‘rU ~¢H$

l h‘mao ~¢H$ Ho$ 5 joÌr` J«m‘rU ~¢H$ (AmaAma~r) h¢. Bg ZoQ>dH©$ ‘| {XZm§H$ 31 ‘mM©, 2013 H$mo Xoe Ho$ 5 amÁ`m| Ho$ 54 {Obm| ‘| pñWV 1799 emImE§ h¢.

l AmaAma~r Ho$ g‘m‘obZ Ho$ H$maU, 2 AmaAma~r AWm©V ~{b`m BQ>mdm J«m‘rU ~¢H$ H$m {XZm§H$ 01.04.2013 H$mo {db` H$a nydmªMb ~¢H$ (Eg~rAmB© Ûmam àd{V©V) ~Zm`m J`m VWm {XZm§H$ 02.09.2013 H$mo {db` H$a gaJwOm joÌr` J«m‘rU ~¢H$ H$mo N>ÎmrgJ‹T> amÁ` J«m‘rU ~¢H$ (Eg~rAmB© Ûmam àd{V©V) ~Zm`m J`m. Bg àH$ma BZ Xmo ~¢H$m| ‘| h‘mam àdV©Z g‘má hmo J`m h¡.

l A~, h‘mao nmg {XZm§H$ 31 ‘mM©, 2014 H$mo 3 AmaAma~r h¢, {OZH$m 3 amÁ`m| Ho$ 46 {Obm| ‘| 1609 emImAm| H$m ZoQ>dH©$ h¡.

l joÌr` J«m‘rU ~¢H$dma H$m`©{ZînmXZ {ZåZmZwgma h¡ :

21


(am{e ` H$amo‹S> ‘|)

AmaAma~r Ed§ ‘w»`mb` H$m Zm‘ {Obm| Ed§ emImAm| H$s g§»`m

Hw$b O‘m am{e`m§

Hw$b A{J«‘ gH$b EZnrE

ewÕ bm^

goÝQ´b ‘Ü` àXoe J«m‘rU ~¢H$, qN>Xdm‹S>m (‘.à.) 25/451 5329.55 3101.36 287.22 10.00CÎma {~hma J«m‘rU ~¢H$(‘wOâ’$anwa) {~hma 18/1020 9342.85 5164.31 114.39 65.21CÎma~§J joÌr` J«m‘rU ~¢H$ Hy$M{~hma (n.~§Jmb) 3/138 1752.75 1075.76 152.53 15.63Hw$b 46/1609 16425.15 9341.43 554.14 90.84

H$m°nm}aoQ> gm‘m{OH$ Xm{`Ëd

grEgAma, H$m`©~b Ed§ CZHo$ n[admam| Ho$ gmW gmW g‘wXm` Ed§ g‘mO Ho$ OrdZ ñVa ‘| gwYma bmVo hþE AW©ì`dñWm Ho$ {dH$mg ‘| ì¶dgm` H$s gVV à{V~ÕVm h¡.

grEgAma Ho$ A§VJ©V {ZY©Z, g‘mO Ho$ d§{MV dJ© Ho$ {ejm, ñdmñÏ¶ Ho$ ñVa H$mo ~T>mZo àmH¥${VH$ AmnXmAm| Ed§ g‘mO Ho$ g‘J« H$ë`mU Ho$ {bE H$m`© H$aZo dmbr g§ñWm/Q´ñQ> Ho$ ‘mÜ`‘ go Am{W©H$ XmZ XoZm h‘mar gVV à{V~ÕVm h¡.

CnbpãY`m§

df© Ho$ Xm¡amZ ~¢H$ Ûmam 1099 ZE EQ>rE‘ ñWm{nV {H$E JE {OÝh| {‘bmH$a Hw$b 3628 EQ>rE‘ hmo JE h¢.

df© Ho$ Xm¡amZ Hw$b boZ XoZ ‘| B© boZ XoZ 30% go ~‹T>H$a 39% hmo JE.

{XZm§H$ 31 ‘mM© 2014 H$mo ~¢H$ H$m So>{~Q> H$mS©> AmYma 42 bmI go ~T>H$a 72 bmI hmo J`m.

df© Ho$ Xm¡amZ 225% H$s O~aXñV d¥{Õ XO© H$aVo hþE B§Q>aZoQ> ~¢qH$J J«mhH$ AmYma 6.02 bmI go ~T>H$a 19.62 bmI hmo J`m.

EbAmB©gr Ho$ g^r ~¢H$ Eí`ya|g ^mJrXmam| ‘| h‘mam ~¢H$ ~r‘m àr{‘`‘ Ed§ nm°{bgr g§»`m g§J«hU ‘| àW‘ ahm h¡. ~¢H$ Zo ` 176 H$amo‹S> Ho$ àr{‘`‘ Ho$ gmW 1,08,036 nm°{b{g`m§ g§J«{hV H$s. ~¢H$ Eí`ya|g ì`dgm` df© Xa df© 8% H$s d¥{Û Ho$ gmW ` 26.65 H$amo‹S> ahm.

gm‘mÝ` ~r‘m ì`dgm` Ho$ A§VJ©V, ~¢H$ Zo df© Xa df© 27% H$s d¥{Û Ho$ gmW 5,59846 nm°{b{g`m| ‘| `105 H$amo‹S> Ho$ àr{‘`‘ H$m g§J«hU {H$`m.

EgE‘Eg Ûmam So>{~Q>/H«o${S>Q> H$mS©> H$s hm°Q> {bpñQ>§J H$m H$m`m©Ýd`Z {H$`m J`m.

H«o${S>Q> H$mS©> J«mhH$m| Ho$ {bE {‘ñS> H$m°b gw{dYm H$m H$m`m©Ýd`Z.

~OmO Ebm`§g Ho$ {bE h‘mar emImAm| ‘| àr{‘`‘ g§J«hU H$m H$m`m©Ýd`Z.

‘mo~mBb ~¢qH$J H$m ew^maå^

150 emImAm| ‘| ZJX O‘m {H$`moñH$ (grS>rHo$) H$s ñWmmnZm.

~¢H$ Zo àrnoS> H$mS©> na N>ÎmrgJ‹T> N>mÌd¥{Îm H$m`©H«$‘ {H«$`mpÝdV {H$¶m h¡. BgH$m Xygam MaU H$m`m©Ýd`Z H$s à{H«$`m ‘| h¡.

~‹T>Vo H$X‘

H$mgm O‘mAm| H$s ^mJrXmar ~T>mB© OmEJr.

H$m°nm}aoQ> Ed§ Zm°Z H$m°nm}aoQ> Ho$ H$‘©Mm[a`m| Ho$ {bE goÝQ> gobar O‘m `moOZm {Z`moº$m Ho$ H$m°nm}aoQ> ImVo H$mo bmZo ‘| àoaH$ e{º$ H$m H$m‘ H$aoJr.

B§S>ñQ´r H$s àWmAm| Ho$ AZwgma {dÚ‘mZ CËnmXm|, {deof ê$n go Am°Z bmBZ CËnmXm| ‘| CÞ`Z h‘mam ‘w»` bú` h¡ - Am°Z bmBZ ~MV ImVm ImobZo go BgH$s ewê$AmV H$s JB© h¡.

àmaå^ H$s JB© ZB© AmdVu O‘m `moOZm-goÝQ bIn{V "O~ Mmhmo bIn{V ~Zmo' ‘| C„oIZr` O‘m H$m g§J«hU.

{JâQ> H$mS©> Ho$ {dnUZ na Ü`mZ Ho$pÝÐV H$aZm-AmYma H$mo 50000 VH$ {dñVm[aV H$aZm.

~¢H$ Ho$ Hw$b EZnrE H$mo 5.50% Ed§ ewÕ EZnrE H$mo 3.00% go H$‘ H$aZo H$s gwÑT> ¶moOZm.

22


{dÎmr¶ df© 2014-15 ‘| 2022 ZE EQ>rE‘ ñWm{nV H$a Hw$b EQ>rE‘ H$s g§»`m 5650 H$aZo H$s ¶moOZm. Bggo h‘mar g^r emImAm| ‘| EQ>rE‘ H$s CnbãYVm hmo OmEJr.

A{V[aº$ ì`dgm` Ho$ {bE Q´m§OoŠeZ ~¢qH$J J{V{d{Y`m| na {deof Ü`mZ.

{dÎmr` df© 2014-15 ‘| ~¢H$ Eí`y§a|g Ho$ ‘mÜ`>‘ go ewëH$ AmYm[aV Am` ‘| 40% H$s d¥{Õ hm{gb H$aZm.

OrdZ ~r‘m ì¶dgm¶ ‘| ‘¥V ~r‘m nm{b{g¶m| Ho$ ZdrZrH$aU na {ZJamZr Ûmam gmVË¶Vm AZwnmV H$mo 50% VH$ ~‹T>mZm.

~¢H$ Eí`ya|g ì`dgm` Ho$ {bE 2650 {d{eï> ì`{º$`m| H$m nyb V¡`ma H$aZm.

g^r emImAm|/Cn`moJH$Vm©Am| H$mo ~m`mo‘o{Q´H$ àUmbr ‘| H$da H$aZm.

B©- Ho$dm`gr H$m H$m`m©Ýd`Z.

Bg {dÎmr` df© ‘| 600 ~hþH$m`m©Ë‘H$ {H$`moñH$ (E‘E’$Ho$) Ed§ ZJX O‘m {H$`moñH$ (grS>rHo$) H$s ñWmnZm.

nwañH$ma Ed§ àe§gm

^maV gaH$ma Ûmam goÝQ´>b ~¢H$ Am°’$ B§{S>¶m H$mo df© 2012-13 Ho$ {bE ""ZoeZb AdmS©> ’$m°a EŠgrb|g BZ E‘EgE‘B© b|qS>J'' hoVw {ÛVr` nwañH$ma go ZdmOm J`mµ. nwañH$ma ‘mZZr` àYmZ‘§Ìr lr ‘Z‘mohZ qgh Ho$ H$aH$‘bm| Ûmam àXmZ {H$`m J`m.

J«rZQ>oH$ ’$mC§So>eZ Ûmam ~¢H$ H$mo à{ejU Ed§ b{ZªJ àUmbr VWm àWmAm| ‘| CËH¥$ï>Vm hm{gb H$aZo hoVw "à{ejU EŠgrb|g' (JmoëS> AdmS©>) Ho$ {bE "EMAma AdmS©>' àXmZ {H$`m J`m.

~¢H$ Zo ^maVr` gZXr boImH$ma g§ñWmZ go gmd©O{ZH$ godm joÌ (~‹S>m) loUr ‘| : "EŠgrb|g BZ H$m°ñQ ‘¡ZoO‘|Q'> Ho$ {bE {ÛVr` nwañH$ma àmá {H$`m.

~¢H$ H$mo grEZ~rgr Q>rdr Ed§ ¶yQ>rAmB© å`wÀ`wb ’§$S> Ûmam "~oñQ ’$mBZ|{e`b ES>dmBOa AdmS©> A§S>a nrEg`y H¡$Q>oJar' àXmZ {H$`m J`m.

~¡H$ H$mo "J«rZQ>oH$ goâQ>r AdmS©>-2013' àXmZ {H$`m J`m.

~¢H$m°Z 2013 Ho$ Xm¡amZ, ~¢H$ Zo "‘moñQ> BZmodo{Q>d ~«m°S> ~oñS> àm°S>ŠQ Am°’$[a¨J' loUr Ho$ A§VJ©V {deof CëboIZr¶ nwañH$ma àmá {H$`m.

Moå~a Am°’$ B§{S>`Z ‘mBH«$mo ñ‘m°b E§S> ‘r{S>`‘ E§Q>aàmBOoO Ûmam Am`mo{OV ^ì` g‘mamoh ‘| ~¢H$ H$mo Xmo lo{U`m| ‘| CËH¥$îQ> ~¢qH$J AdmS©> `Wm 1) B©H$mo- VH$ZrH$s AdmS©>-aZa An Ed§ 2) ZdrZ nhbm| Ho$ {bE Á`yar AdmS©>, S>m°. ‘moÝQ>oH$ qgh Ahbwdm{b`m, `moOZm Am`moJ Ho$ ‘mZZr` CnmÜ`j, lr Oo.S>r.gbr‘, ‘mZZr` amÁ` {dÎm‘§Ìr Ed§ lr Aê$U ‘¡am, gXñ` `moOZm Am`moJ H$s CnpñW{V ‘| àXmZ {H$E JE.

23


H$m°nm}aoQ> JdZ}g

~¢H$ Ho$ H$m°nm}aoQ> JdZ}g H$m CÔoí`:

~¢H$ Ho$ H$m°nm}aoQ> JdZ}g H$m à‘wI CÔoí` ì`dgm` Ho$ g§MbZ ‘| Z¡{VH$ g§ì`dhma go eo`aYmaH$m| H$s Am` ‘| d¥{Õ H$aZm VWm àH$Q>rH$aU Ed§ nmaX{e©Vm Ho$ Cƒ ‘mZH$m| H$m AZwgaU H$aZm h¡. ~¢H$ Zo gdm}ËV‘ g§ì`dhma H$mo AnZm`m h¡ Ed§ JdZ}g Ho$ ‘mZH$m| H$s {ZJamZr ~moS©> H$s {d{^Þ g{‘{V`m| Ûmam H$s OmVr h¡. H$m°nm}aoQ> bú`m|§ H$s àm{á, H$m`©-{ZînmXZ ‘| gwYma Ed§ eo`aYmaH$m| H$s Am` ‘| d¥{Õ hoVw ~moS©>, H$m`©nmbH$m| Ed§ AÝ` nXm{YH$m[a`m| H$s {d{eï> ^y{‘H$mE§ h¢.

~¢H$ Ho$ B{¹$Q>r eo`g© ~m°å~o ñQ>m°H$ EŠgM|O {b. Ed§ ZoeZb ñQ>m±H$ EŠgMoÝO Am°’$$ B§{S>`m {b. ‘| gyMr~Õ h¡. hmbm§{H$, ~¢H$ EH$ H§$nZr Zht h¡, {H$ÝVw ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘ 1970 Ho$ VhV {ZJ{‘V {ZH$m` h¡, Omo ^maVr` [aµOd© ~¢H$ Ûmam {Z`§{ÌV h¡. AV… ~¢H$ ñQ>mH$ EŠgM|O Ho$ gmW hþE gyMr~Õ H$ama Ho$ I§S> 49 Ho$ àmdYmZm| Ho$ Cg gr‘m VH$, Ohm§ VH$ {H$ ~¢qH$J H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 Ed§ ^maVr` [aµOd© ~¢H$ Ûmam Bg g§~§Y ‘| Omar {Xem{ZX}em| Ho$ àmdYmZm| H$m C„§KZ Zht hmoVm h¡, AZwnmbZ H$aoJm.

BH«$m {b{‘Q>oS> Zo h‘mao ~¢H$ H$mo H$m°nm}aoQ> JdZ]g àWmAm| Ho$ {bE ‘‘grOrAma3+’’ (CXKmo{fV grOrAma 3 ßbg) aoqQ>J àXmZ H$s h¡. Bg aoqQ>J go `h àH$Q> hmoVm h¡ {H$ BH«$m H$s dV©‘mZ am` `h h¡ {H$ aoqQ>J àXÎm H§$nZr Zo Bg Vah H$s àWmE§, naån>am Ed§ g§{hVm H$mo ñdrH$ma H$aVo hþE AnZm`m h¡, {Oggo dh H$m°nm}aoQ> JdZ]g H$s JwUdÎmm na AnZo {dÎmr` ñQ>oH$YmaH$m| H$mo AmœmgZ H$m Cƒ ñVa àXmZ H$a gHo$.

{ZXoeH$ ‘§S>b

~¢H$ H$m JR>Z ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 (g‘`-g‘` na `Wm-g§emo{YV), Ho$ AZwê$n {H$`m J`m h¡. gm‘mÝ` XoIaoI, {Xem{ZX}e Ed§ ~¢H$ Ho$ ì`dgm` à~§YZ Ho$ A{YH$ma {ZXoeH$ ‘§S>b Ho$ nmg {Z{hV h¢, {OZH$s AÜ`jVm AÜ`j Ed§ à~§Y {ZXoeH$ Ûmam H$s OmVr h¡.

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

g‘rjmYrZ df© AWm©V 2013-14 Ho$ Xm¡amZ, {ZXoeH$ ‘§S>b H$m g§`moOZ {ZåZdV Wm:

24


H«$. {ZXoeH$m| H$m {ddaU ~moS©> H$s ~¢R>H$ ‘| CnpñW{V (CZHo$ H$m¶©H$mb Ho$ Xm¡amZ Am¶mo{OV ~¡R>H|$)

à~§YZ g{‘{V H$s ~¡R>H$ ‘| CnpñW{V(CZHo$ H$m¶©H$mb Ho$ Xm¡amZ Am¶mo{OV ~¡R>H|$)

boImnarjm g{‘{V H$s ~¡R>H$ ‘| CnpñW{V(CZHo$ H$m¶©H$mb Ho$ Xm¡amZ Am¶mo{OV ~¡R>H|$)

{XZm§H$ 31.03.2014 H$mo ~¢H$ Ho$ Ym[aV B{¹$Qr> eo`a H$s g§»`m

{XZm§H$ 31.03.2014 H$mo goÝQ´b ~¢H$ Am°’$$ B§{S>`m ~moS©> H$s g{‘{V H$s gXñ`Vm/AÜ`jVm

{XZm§H$ 31.03.2014 H$mo AÝ` H§$nZr H$s {ZXoeH$Vm

Š`m {X. 29 OyZ 2013 H$s A§{V‘ EOrE‘ ‘| CnpñW{V Wr

gXñ` AÜ`j1. lr E‘.dr. Q>>m§H$gmbo.

AÜ`j Ed§ à~§Y {ZXoeH$ (29.06.2011- 31.07.2013)XjVm H$m joÌ-~¢qH$J

05 (05)

05 (05)

--- {Za§H$ E‘gr~r, AmaE‘gr, EbdrE’$$gr, grEggr, AmB©Q>rEg, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, drAmB©Or, grEgr,EMAma E‘Amagr

E‘gr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©E’$, AmaEg, AmB©Q>rnrE, drAmB©Or, grEgr, nrgr,nrEgr

i) goÝQ~¢H$ ’$mBZ|{e`b g{d©goO {b.ii) BÝS>mo-µOmpå~`m ~¢H$ {b.iii) bmB’$$ BÝí`moa|g H$mnm}aoeZ Am°µ’$$ B§{S>`miv) goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.

hm±

2. lr amOrd F${f. AÜ`j Ed§ à~§Y {ZXoeH$(01.08.2013 go) XjVm H$m joÌ-~¢qH$J

10 (10)

10 (10)

--- {Za§H$ E‘gr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©Q>rEg, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, drAmB©Or, grEgr,EMAma, E‘Amagr,

E‘gr ~r, AmaE‘grEbdrE’$gr, grEggr, AmB©E’$, AmaEg, AmB©Q>rnrE, drAmB©Or, grEgr, nrgr, nrEgr

BÝS>mo -µOmpå~`m ~¢H$ {b.

EOrE‘ H$s VmarI ‘| {ZXoeH$ Zht

3. lr ‘b` ‘wIOu. H$m`©nmbH$ {ZXoeH$ (05.11.2012 11.12.2013) XjVm H$m joÌ-~¢qH$J

10 (10)

10 (10)

07 (07)

{Za§H$ E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©Q>rnr, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, grEgr, grAmagr, E‘Amagr, EMAma

{Za§H$ goÝQ> ~¢H$ ’$mBZ|{e`b g{d©goO {b.

hm±

25









gXñ` AÜ`j4 lr Ama.Ho$.Jmo`b.

H$m`©nmbH$ {ZXoeH$ (11.01.2013 go) XjVm H$m joÌ-~¢qH$J

14 (15)

13 (15)

07 (08) {Za§H$ E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©Q>rEg, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, grEgr, EMAma, E‘Amagr,

{Za§H$ - goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.- goÝQ> ~¢H$ ’$mBZ|{e`b g{d©goO {b.

hm±

5 lr A{Z‘of Mm¡hmZ. H$m`©nmbH$ {ZXoeH$ (05.08.2013 go) XjVm H$m joÌ-~¢qH$J

10(10)

10 (10)

05 (05)

{Za§H$ E‘gr, Egr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©Q>rEg, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, grEgr, EMAma, E‘Amagr,

{Za§H$ goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.

EOrE‘ H$s VmarI H$mo {ZXoeH$ Zht

6 lr ~r.Ho$. {XdmH$a. H$m`©nmbH$ {ZXoeH$ (23.01.2014 go) XjVm H$m joÌ-~¢qH$J

04 (04)

04 (04)

01 (01)

{Za§H$ E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$$gr grEggr, AmB©Q>rEg, EgAmB©Orgr, AmB©E’$$AmaEg, AmB©Q>rnrE, grEgr, EMAma, E‘Amagr,

{Za§H$ - goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.- goÝQ> ~¢H$ ’$mBZ|{e`b g{d©goO {b.


26









gXñ` AÜ`j7 lr AmbmoH$ Q>§S>Z, ^maV

gaH$ma Ûmam Zm{‘V {ZXoeH$ (15.11.2011 25.07.2013)XjVm H$m joÌ-àemgZ

04 (04)

--- 03 (03)

{Za§H$ Egr~r, AmaE‘gr, EbdrE’$$gr Amagr, drAmB©Or, E‘Amagr, EMAma,

Amagr {Za§H$ Zht

8 S>m°. Ho$.nr. H¥$îUZ, ^maV gaH$ma Ûmam Zm{‘V {ZXoeH$ (26.07.2013 18.02.2014) XjVm H$m joÌ-àemgZ

07 (09)

--- 04 (05) {Za§H$ Egr~r, AmaE’$gr, EbdrE‘$grAmagr, drAmB©Or, E‘Amagr, EMAma,

Amagr {Za§H$ EOrE‘ H$s VmarI H$mo {ZXoeH$ Zht

9 S>m°. gm¡a^ JJ©, ^maV gaH$ma Ûmam Zm{‘V {ZXoeH$ (19.02.2014 go) XjVm H$m joÌ àemgZ

01 (02)

--- --- {Za§H$ Egr~r, AmaE’$gr, EbdrE‘$gr Amagr, drAmB©Or, E‘Amagr, EMAma,

Amagr {X„r- ‘w§~B© B§S>pñQ´`b H$m°[aS>moa Q´ñQ>


10 lr gbr‘ J§JmYaZ, ^m[a~¢ Ûmam Zm{‘V {ZXoeH$ (30.07.2010 12.03.2014) XjVm H$m joÌ-~¢qH$J

04 (14)

05 (13)

03 (08)

{Za§H$ E‘gr, Egr~r, Amagr, drAmB©Or

{Za§H$ {Za§H$ Zht

11 lr eoIa ^Q>ZmJa, ^m[a~¢ Ûmam Zm{‘V {ZXoeH$ (13.03.2014 go) XjVm H$m joÌ ~¢qH$J

00 (11)

01 (02)

--- {Za§H$ E‘gr, Egr~r, Amagr, drAmB©Or

{Za§H$ {Za§H$ EOrE‘ H$s VmarI H$mo {ZXoeH$ Zht

27









gXñ` AÜ`j12 àmo. EZ. ~mbH¥$îUZ,

eo`aYmaH$ {ZXoeH$ (20.11.2008 19.11.2011 Ed§ 10.01.2012 go) XjVm H$m joÌ-gyMZm àmoÚmo{JH$s

10 (15)

02 (03)

--- 160 AmaE‘gr, grEggr, AmB©Q>rEg, AmB©EgOrgr

AmB©Q>rEg, AmB©EgOrgr

I) gr-S>m°Q> AëH$m Q>ob [agM© goÝQ>H$a àm.{b.II) S>mQ>m {gŠ`w[aQ>r H$m°CpÝgb Am°’$$ B§{S>`m

hm±

13 lr Jw‘mZ qgh,A§eH$mbrZ J¡a- gaH$mar {ZXoeH$(08.08.2011 go)XjVm H$m joÌ-godm{Zd¥Îm aobdo A{YH$mar

15 (15)

09 (09)

08 (08)

{Za§H$ E‘gr, Egr~r, grEggr, AmB©E’$$AmaEg

{Za§H$ {Za§H$ hm±

14 lr E‘.nr. emoamdmbm, A§eH$mbrZ J¡a- gaH$mar {ZXoeH$ (03.01.2013 go) XjVm H$m joÌ-dH$sb

13 (15)

07 (08)

--- {Za§H$ EgAmB©Orgr, Amagr, AmB©E’$$AmaEg

EZgr {dœ bú‘r EŠgnmoQ>©g² (àm.) {b.

hm±

15 lr H¥$îU goR>r, A§eH$mbrZ J¡a- gaH$mar {ZXoeH$ (28.02.2013 go) XjVm H$m joÌ-ì¶dgm{`H$

15 (15)

08 (08)

08 (08)

{Za§H$ Egr~r, AmB©Q>rEg, EgAmB©Orgr, Amagr, AmB©E’$$AmaEg, AmB©Q>rnrE, EZgr


16 lr Eg.~r.amoSo>, A{YH$mar H$‘©Mmar {ZXoeH$ (02.04.2013 go) XjVm H$m joÌ ~¢H$a

15 (15)

04 (04)

--- 133 E‘gr, AmaE‘gr, AmB©Q>rnrE


28









gXñ` AÜ`j17 lr Jwa~»e Hw$‘ma Omoer,

H$‘©H$ma H$‘©Mmar {ZXoeH$ (10.07.2013 go)XjVm H$m joÌ ~¢H$a

12 (12)

--- --- {Za§H$ AmaE‘gr, EbdrE‘$gr


18 gwlr EZ.Eg. aËZà^m, A§eH$mbrZ J¡a-gaH$mar {ZXoeH$ (19.12.2013 go) XjVm H$m joÌ g‘mOgodm

04 (05)

01 (01)

--- {Za§H$ E‘gr, EbdrE’$$gr, grEggr, EZgr


E‘gr~r - ~moS©> H$s à~§YZ g{‘{VEgr~r - ~moS©> H$s boIm narjm g{‘{VAmaE‘gr - OmopI‘ à~§YZ g{‘{VEbdrE’$$gr - Cƒ ‘yë¶ H$s YmoImY‹S>r g§~§Yr g{‘{VgrEggr - J«mhH$ godm g{‘{VAmB©Q>rEg - gyMZm àm¡Úmo{JH$s H$m`©Zr{V g{‘{VEgAmB©Orgr - eo`aYmaH$m|/{ZdoeH$m| H$s {eH$m`V g{‘{VAmagr - nm[al{‘H$ g{‘{VAmB©E’$$AmaEg - A§Vam©ï´>r` {dÎmr` [anmo{Qª>J ‘mZH$ g{‘{VAmB©Q>rnrE - Am§V[aH$ à{ejU Zr{V nam‘e© g{‘{VdrAmB©Or - gVH©$Vm g{‘{VgrEgr - F$U AZw‘moXZ g{‘{VEMAma - ‘mZd g§gmYZ g{‘{VE‘Amagr - dgybr g{‘{V H$s {ZJamZrEZgr - Zm‘m§H$Z g{‘{V

{ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V:

v {ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V H$m JR>Z amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 ghn{R>V ~¢H$H$mar H§$nZr(CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 Ho$ AZwgma {H$`m J`m h¡ Ed§ ̀ h ~moS©> ‘| {Z{hV Cƒ ‘yë`² F$U àñVmdm| H$s ñdrH¥${V g‘Pm¡Vm|/~Å>o ImVo àñVmdm|, n[aga,{Zdoe Ed§ dmX Xm`a/Anrb BË`m{X g§~§Yr e{º$`m| H$m à`moJ H$aVr h¡, {XZm§H$ 31.03.2014 H$mo Bg g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, 3 H$m`©nmbH$ {ZXoeH$, ^maVr` [aOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ Ed§ 3 J¡a H$m¶m©b¶rZ A§eH$mbrZ {ZXoeH$JU g{hV Hw$b 8 gXñ` h¢.df© Ho$ Xm¡amZ, {ZXoeH$ ‘§S>b H$s Bg à~§YZ g{‘{V H$s {ZåZmZwgma 15 ~¡R>H|$ Am`mo{OV H$s JB© :

29


F$U AZw‘moXZ g{‘{V:

v amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm,1970 ‘| Omo‹S>o Jò Zò I§S> 13E Ho$ AZwgma, {XZm§H$ 31.01.2012 go {ZXoeH$ ‘§S>b H$s EH$ F$U AZw‘moXZ g{‘{V H$m JR>Z {H$`m J`m. `400 H$amo‹S> VH$ Ho$ F$U àñVmd, ` 10.00 H$amo‹S> VH$ Ho$ g‘Pm¡Vm/~Å>o ImVo àñVmd, `15.00 bmI> VH$ Ho$ à{V df© (J«m‘rU joÌ), `25.00 bmI VH$ Ho$ à{V df© (AY©ehar joÌ),`50.00 bmI VH$ Ho$ à{Vdf© (ehar joÌ) E§d `1.00 H$amo‹S>> VH$ Ho$ à{V df© (‘oQ´mo joÌ) Ho$ n[aga àñVmd g§~§Yr ~moS©> ‘| {Z{hV e{º$`m| H$m à`moJ H$aVr h¡. dV©‘mZ g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$, ‘w»` ‘hmà~§YH$ (OmopI‘ à~§YZ) Ed§ F$U Ho$ à^mar ‘hmà~§YH$,{dÎm$ Ho$ à^mar ‘hmà~§YH$,n[aga Ho$ à^mar ‘hmà~§YH$ Ed§ dgybr Ho$ à^mar ‘hmà~§YH$ em{‘b h¢.F$U AZw‘moXZ g{‘{V H$s df© Ho$ Xm¡amZ32 ~¢R>H|$ Am`mo{OV H$s J`t.

~moS©> H$s boIm narjm g{‘{V

~moS©> H$s boIm narjm g{‘{V(Egr~r) H$m JR>Z ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma, {ZXoeH$ ‘§S>b Ûmam {H$`m J`m h¡. Egr~r {Xem{ZX}e XoZo Ho$ gmW-gmW ~¢H$ ‘| Am§V[aH$ boIm narjm Am¡a {ZarjU Ho$ g§JR>Z, n[aMmbZ nÕ{V VWm JwUdÎmm {Z`§ÌU Am¡a ~¢H$ H$s gm§{d{YH$/~mø boIm narjm VWm ^maVr` [aOd© ~¢H$ Ho$ {ZarjUm| H$s AZwdVu H$ma©dmB© g{hV ~¢H$ Ho$ g‘J« boIm H$m`© Ho$ n[aMmbZm| H$m n`©dojU H$aVr h¡

~moS©> H$s boIm narjm g{‘{V ‘| H$m`©nmbH$ {ZXoeH$JU, ^maV gaH$ma Ho$ Zm{‘V {ZXoeH$, ^maVr` [aOd© ~¢H$ Ho$ Zm{‘V {ZXoeH$ Ed§ Xmo J¡a gaH$mar J¡a-H$m`©nmbH$ {ZXoeH$, {OZ‘| go H$‘ go H$‘ EH$ gZXr boImH$ma hmoZm Mm{hò, em{‘b hm|Jo. ñQ>m’$$ {ZXoeH$ Egr~r ‘| em{‘b Zht {H$ò Om`|Jo, df© Ho$ Xm¡amZ boIm narjm g{‘{V H$s 8 ~¡R>H|$ Am`mo{OV H$s J`r.

OmopI‘ à~§YZ g{‘{V

^maVr` [aOd© ~¢H$ Ho$ n[anÌ H«§$.S>r~rAmoS>r Z§.S>rnr (Eggr)~rgr/98/21.04.103/39 {XZm§H$ 7 AŠQy>~a 1999 Ed§ {XZm§H$ 20.04.2002 H$mo Am¶mo{OV ~moS>© ~¡R>H$ H$s H$m`©gyMr g§»`m ~rE‘/01/2002-03/3.2 Ed§ {XZm§H$ 25.11.2002 H$s ~moS©> ~¡R>H$ H$s H$m`©gyMr g§»`m ~rE‘/09/2002-03/3.9 Ho$ AZwgma ~moS©> H$s OmopI‘ à~§YZ H$s g{‘{V H$m JR>Z {H$`m J`m. g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$JU, ^maV gaH$ma go Zm{‘V {ZXoeH$, ^maVr` [aOd© ~¢H$ go Zm{‘V {ZXoeH$ Ed§ VrZ J¡a H$m¶m©b¶rZ A§eH$mbrZ {ZXoeH$ em{‘b h¢. df© Ho$ Xm¡amZ g{‘{V H$s 4 ~¡R>H|$ Am`mo{OV H$s J`t.

nm[al{‘H$ g{‘{V

v nyU©H$m{bH$ {ZXoeH$m| Ho$ {bE H$m`©{ZînmXZ g§~Õ àmoËgmhZ am{e Ho$ ^wJVmZ Ho$ {bE, {ZXoeH$ ‘§S>b H$s nm[al{‘H$ g{‘{V H$m JR>Z {dÎm ‘§Ìmb` Ho$ g§àofU E‘$.Z§.20.1.2005-~rAmo-I {XZm§H$ 09.03.2007 Ho$ AZwgma {H$`m J`m. Bg g{‘{V ‘| ^maV gaH$ma Ho$ Zm{‘Vr {ZXoeH$, ^maVr` [aµOd© ~¢H$ Ho$ Zm{‘Vr {ZXoeH$ Ed§ 2 ñdV§Ì {ZXoeH$ em{‘b h¢.

{dÎmr` df© 2013-14 Ho$ {bE nyU©H$m{bH$ {ZXoeH$m| H$mo H$m`©{ZînmXZ-gå~Õ àmoËgmhZ XoZo na {dMma H$aZo Ho$ {bE Bg nm[al{‘H$ g{‘{V H$s ~¡R>H$ H$m Am`moOZ {XZm§H$ 29.09.2013 Ed§ 23.07.2013 H$mo {H$`m J`m.

{ZXoeH$m| H$m nm[al{‘H$ :

J¡a H$m¶m©b¶rZ ñdV§Ì {ZXoeH$m|/J¡a H$m`©nmbH$ {ZXoeH$ H$mo ‘§S>b H$s àËòoH$ ~¡R>H$ ‘| CnpñWV hmoZo Ho$ {bE `10,000/- ~¡R>H$ ’$sg Am¡a ~moS©> H$s {d{^Þ Cn g{‘{V`m| H$s àËòH$ ~¡R>H$ ‘| ^mJ boZo Ho$ {bE `5000/- H$m ^wJVmZ {H$`m OmVm h¡, Omo{H$ gm‘mÝ` `mÌm Ed§ {dam‘ ^Îmm ì`` Ho$ Abmdm h¡. AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$JU Ed§ {ZXoeH$JUm|, Omo ^maV gaH$ma/^maVr` [aOd© ~¢H$ Ho$ A{YH$mar h¢, H$mo ~¡R>H$ ’$sg H$m ^wJVmZ Zht {H$`m OmVm h¡.

{dÎmr` df© 2013-14 Ho$ Xm¡amZ, AÜ`j Ed§ à~§Y {ZXoeH$ Ed§ H$m`©nmbH$ {ZXoeH$m| H$mo Hw$b doVZ, ^Îmo VWm n[abpãY`m| Ho$ ê$n ‘| {ZåZ{bpIV am{e H$m ^wJVmZ {H$`m J`m.

30


H«$. Zm‘ é bmI ‘|1. lr ‘mohZ. dr. Q>m§H$gmbo (^yVnyd© grE‘S>r) 18.362. lr amOrd F${f (grE‘S>r) 11.573. lr ‘b` ‘wIOu (^yVnyd© B©S>r) 14.154. lr‘Vr dr.Ama.Aæà (^yVnyd© B©S>r) 2.405. lr Ama.Ho$.Xw~o (^yVnyd© B©S>r) 3.156. lr amO Hw$‘ma Jmo`b (B©S>r) 18.377. lr A{Z‘of Mm¡hmZ (B©S>r) 9.818. lr ~r. Ho$. {XdmH$a (B©S>r) 2.78g‘rjm df© Ho$ Xm¡amZ, ~¢H$ Zo nmÌ {ZXoeH$m| H$mo ~moS©> H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bò ` 8,40,000/-(énò AmR> bmI Mmbrg hOma ‘mÌ) VWm ~moS©> H$s Cn-g{‘{V H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bò `4,90,000/-(énò Mma bmI Zã~o hOma ‘mÌ) Ho$ ~¡R>H$ ewëH$ H$m ^wJVmZ {H$`m.

eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`V g{‘{V

H$m°nm}aoQ> JdZ}g na ^maVr` à{V^y{V Am¡a {d{Z‘` ~moS©> (go~r) Ho$ {Xem{ZX}em| Ho$ VhV gyMrH$aU H$ama Ho$ I§S> 49 Ho$ AZwnmbZ ‘| eoàm| Ho$ A§VaU, dm{f©H$ [anmoQ>© H$s àm{á Z hmoZm, bm^m§e H$s àm{á> Z hmoZo BË`m{X go g§~§{YV eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`Vm| Ho$ {ZdmaU Ho$ {bò eoàYmaH$m|/{ZdoeH$ {eH$m`V g{‘{V H$m JR>Z {H$`m J`m h¡. df© Ho$ Xm¡amZ {ZdoeH$m| go àmá g^r g§X^m]/{eH$m`Vm| H$m CÎma {X`m Om MwH$m h¡/{ZnQ>mZ {H$`m Om MwH$m h¡. gm‘mÝ`V: {ZdoeH$m| H$s {eH$m`Vm| na H$ma©dmB©, gå~Õ OmZH$mar àmá hmoZo Ho$ gmV {XZm| Ho$ ^rVa H$a br OmVr h¡. Bg g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$JU Ed§ Xmo ñdmV§Ì {ZXoeH$ h¢.dV©‘mZ ‘| Bg g{‘{V Ho$ AÜ`j ~¢H$ Ho$ EH$ ñd~V§Ì J¡a gaH$mar {ZXoeH$ àmo.EZ.~mbH¥$îUZ h¢. g{‘{V H$s df© Ho$ Xm¡amZ 4 ~¡R>H|$ Am`mo{OV H$s J`t.

df© 2013-14 (01.04.2013 go 31.03.2014) Ho$ {bE {ZdoeH$m| H$s {eH$m`Vm| Ho$ {ddaU {ZåZmZwgma h¢.

1. df© Ho$ àma§^ ‘| b§{~V {eH$m`V| {Za§H$2. eoà à‘mUnÌ àmá Z hmoZo Ho$ nÌ 023. bm^m§e dmaÊQ> àmá Z hmoZo g§~§Yr 15204. dm{f©H$ [anmoQ>© àmá Z hmoZo g§~§Yr 465. [a’$§S> AmS©>a àmá Z hmoZo g§~§Yr 056. [a’$§S> {bIV ‘| g§emoYZ 057. AÝ` {Za§H$8. EZEggr 019. ~rEgB© 01

10. go~r 0511. Hw$b àmá {eH$m`V| 21712. Hw$b Ü`mZ Xr/{ZnQ>mB© JB© {eH$m`V| 21713. df© H$s g‘m{á na Hw$b b§{~V {eH$m`V| {Za§H$

h‘ nw{ï> H$aVo h¢ {H$ {ZdoeH$ H$s H$moB© ^r {eH$m`V 30 {XZ go A{YH$ Ad{Y hoVw {~Zm Ü`mZ {XE/b§{~V Zht h¢

AZwnmbZ A{YH$mar

lr AmZ§X Hw$‘ma Xmg, ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md, ñQ>m°H$ EŠgM|O Ho$ gmW {H$E JE B{¹$Q>r gyMrH$aU H$ama Ho$ AZwgma ~¢H$ Ho$ AZwnmbZ A{YH$mar h¢.

31


gmd©O{ZH$ {ZJ©‘m|, amBQ> {ZJ©‘m|, A{Y‘mZ {ZJ©‘m| BË`m{X go àm{á`m§.

df© Ho$ Xm¡amZ, ~¢H$ Zo ^maV gaH$ma H$mo 30,58,62,361 B{¹$Q>r eo`g© Ho$ Am~§Q>Z go, A{Y‘mZ AmYma na, `10/- A§{H$V ‘yë` Ho$ B{¹$Q>r eoà, `58.85 à{V B{¹$Q>r {ZJ©‘ ‘yë` (à{V B{¹$Q>r eoà `48.85 Ho$ àr{‘`‘ g{hV) eo`g© Ho$ Am~§Q>Z go `1800.00 H$amo‹S> (àr{‘`‘ g{hV) OwQ>mE h¢. gmW hr, ~¢H$ Zo ~mgb III AZwnm{bV {Q>à II ~m°ÊS²g (grarO I) Ho$ ê$n ‘| `1000 H$amo‹S> ^r OwQ>mE h¢. {Z{Y`m| H$mo OwQ>mZo H$m ‘w»` CÔoí` {Q>à-I Ed§ {Q>à-II ny§Or ~‹T>mH$a ny§Or n`m©áVm AZwnmV ‘O~yV H$aZm VWm ~¢H$ Ho$ XrKm©d{Y òmoVm| ‘| A{^d¥{Õ H$aZm h¡. OwQ>mB© JB© {Z{Y`m| H$m Cn`moJ Cn`w©º$ CÔoí`m| hoVw {H$`m Om ahm h¡.

g§àofU Ho$ ‘mÜ`‘ :

{V‘mhr {dÎmr` n[aUm‘ (J¡a-boImnar{jV; na§Vw gm§{d{YH$ boImnarjH$m| H$s gr{‘V g‘rjm Ho$ AYrZ) VWm boImnar{jV dm{f©H$ n[aUm‘ gm‘mÝ`V`m BH$m°Zm{‘H$ Q>mBåg, ’$mBZ|{e`b EŠgàog, {~OZog ñQ>¡ÊS>S©>, nwT>mar (‘amR>r), BË`m{X O¡go A§J«oOr, qhXr, ‘amR>r Ed§ AZoH$ ñWmZr` ^mfm Ho$ {d{^Þ à{V{ð>V g‘mMma nÌm| ‘| àH$m{eV {H$E JE Wo. BZ n[aUm‘m| H$mo ~¢H$ H$s do~gmBQ> www.centralbankofindia.co.in na ^r àX{e©V {H$`m J`m.

gm‘mÝ` eoàYmaH$ gyMZm

~¢H$ H$s 7dt dm{f©H$ gmYmaU ~¡R>H$:

{XZ Ed§ {XZm§H$ : gmo‘dma, 30 OyZ, 2014 H$mo gw~h 11.00 ~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na hm°pñnQ>b/[abm`§g EZOu H$m`m©b` Ho$ nmg, OodrnrS>r ñH$s‘, {dbo nmb} (n{ü‘), ‘w§~B©-400056

1. gmYmaU dm{f©H$ ~¡R>H$ {dÎmr` df© 2013-14 go g§~§{YV h¡.

2. ~hr-~§Xr H$s VmarI : 21 OyZ, 2014 go 30 OyZ, 2014 (XmoZm| {Xdg g{hV)

3. bm^m§e ^wJVmZ VmarI : {XZm§H$ 30 OwbmB©, 2014 H$mo AWdm Cggo nyd©

gmYmaU ~¡R>H$:

H«$.g§. ~¡R>H$ H$s àH¥${V {XZm§H$ Ed§ g‘` ñWmZ1. N>R>r dm{f©H$ gmYmaU ~¡R>H$ 29 OyZ, 2013, àmV: 11.00 ~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`,

Hy$na hm°pñnQ>b/[abm`§g EZOu H$m`m©b` Ho$ nmg, OodrnrS>r ñH$s‘, {dbo nmb} (n{ü‘), ‘w§~B©-400056

2. nm§Mdt dm{f©H$ gmYmaU ~¡R>H$ 27 OyZ, 2012, AnamÝh 4.00 ~Oo -----VX¡d------3. Mm¡Wr dm{f©H$ gmYmaU ~¡R>H$ 29 OwbmB©, 2011, AnamÝh 3.00 ~Oo -----VX¡d------

ñQ>m°H$ EŠgM|O na gyMrH$aU :

~¢H$ Ho$ eoà ~m°å~o ñQ>m°H$ EŠgM|O {b{‘Q>oS> Ed§ Z¡eZb ñQ>m°H$ EŠgM|O B§{S>`m {b{‘Q>oS>, XmoZm| ‘| gyMr~Õ {H$E OmVo h¢. pñH«$n H$moS> {ZåZdV h¡:

~rEgB© {b{‘Q>oS> (~rEgB©) 532885

ZoeZb ñQ>m°H$ EŠgM|O Am°’$$ B§{S>`m {b{‘Q>oS> (EZEgB©) CENTRA LBK

AmB©EgAmB©EZ Z§~a AmB©EZB© 483A 01010

XmoZm| ñQ>m°H$ EŠgM|O H$mo df© 2014-15 Ho$ {bE dm{f©H$ gyMrH$aU ewëH$ AXm H$a {X`m J`m h¡.

~¢H$ Zo g‘`-g‘` na dMZ-nÌm| Ho$ ê$n ‘| J¡a-n[adV©Zr` ~m°ÊS> ({Q>à-II ny§Or) Omar {H$E h¢. VËg§~§Yr ~H$m`m {ddaU {ZåZdV h¡:

32


{XZm§H$ 31.03.2014 H$mo goÝQ´b ~¢H$ Am°’$$ B§{S>`m ~m°ÊS²g-{Q>à-II ny§Or H$s pñW{V:

grarO {ddaU Omar {XZm§H$ Hw$b ‘yë` (é.H$amo‹S> ‘|) AmB©EgAmB©EZbmoAa {Q>à II-grarO IX 08.10.2004 200.00 AmB©EZB©483A 09138bmoAa {Q>à II- grarO X 28.03.2006 578.20 AmB©EZB©483 A09146bmoAa {Q>à II- grarO XI 04.10.2006 700.00 AmB©EZB©483 A09153bmoAa {Q>à II- grarO XII 03.03.2008 389.10 AmB©EZB©483 A09161bmoAa {Q>à II- grarO XIII 10.02.2009 270.00 AmB©EZB©483A 09187bmoAa {Q>à II- grarO XIV 21.12.2011 500.00 AmB©EZB©483A 09245Ana {Q>à II- grarO I 14.11.2008 300.00 AmB©EZB©483A 09179Ana {Q>à II- grarO II 17.02.2009 285.00 AmB©EZB©483A 09195Ana {Q>à II- grarO III 23.06.2009 500.00 AmB©EZB©483A 09203Ana {Q>à II- grarO IV 20.01.2010 500.00 AmB©EZB©483A 09211Ana {Q>à II- grarO V 11.06.2010 1000.00 AmB©EZB©483A 09229Ana {Q>à II- grarO VI 21.01.2011 300.00 AmB©EZB©483A 08015~mgb III AZwnm{bV H«$. I 08.11.2013 1000.00 AmB©EZB©483 A09260Hw$b 6522.30

ò g^r ~m°ÊS> Z¡eZb ñQ>m°H$ EŠgM|O Am°’$$ B§{S>`m {b{‘Q>oS> AWdm ~m°å~o ñQ>m°H$ EŠgM|O {b{‘Q>oS> ‘| gyMr~Õ {H$E JE h¢. ~¢H$ Zo df© 2014-15 Ho$ {bE EŠgM|O H$mo dm{f©H$ gyMrH$aU ewëH$ H$m ^wJVmZ {H$`m h¡.

~mOma ‘yë` Am§H$‹S>o:

EZEgB© Ed§ ~rEgB© na ‘m{gH$ Cƒ Ed§ Ý`yZV‘ {ZåZdV h¡:

‘mh EZEgB© ~rEgB©Cƒ ‘yë` (`) {ZåZ ‘yë` (`) Cƒ ‘yë` (`) {ZåZ ‘yë` (`)

Aà¡b, 2013 72.30 64.65 72.30 64.75‘B©, 2013 76.40 65.05 76.40 65.10OyZ, 2013 68.40 59.60 68.50 59.75OwbmB©, 2013 65.35 53.00 65.30 53.00AJñV., 2013 58.40 48.75 58.40 48.90{gVå~a, 2013 63.40 49.65 63.85 49.70Aºy$~a, 2013 56.25 50.00 56.30 50.00Zdå~a, 2013 68.50 51.30 68.75 50.60{Xgå~a, 2013 54.80 49.25 54.70 49.30OZdar, 2014 53.30 44.30 53.35 44.50’$adar, 2014 48.50 43.60 48.40 43.05‘mM©, 2014 52.20 43.25 52.15 43.25eoà A§VaU Ed§ eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`Vm| H$m {ZdmaU:

eoà A§VaU, YZ-dmngr AmXoe, bm^m§e ^wJVmZ Ed§ {ZdoeH$m| go g§~§{YV AÝ` J{V{d{Y`m| na H$ma©dmB© h‘mao a{OñQ´ma Ed§ Q´m§g’$a EO|Q> Ho$ H$m`m©b` ‘| H$s OmVr h¡. BZ‘| go {H$gr ^r XñVmdoO H$mo O‘m H$aZo Am¡a {H$gr ^r nyN>VmN>/{eH$m`Vm|/H${R>ZmB`m| Ho$ g§~§Y ‘| eoàYmaH$m| Ed§ {ZdoeH$m| go {ZåZ nVo na g§nH©$ H$aZo H$m AZwamoY h¡:

33


qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS>

gr-13, nÞmbmb {gëH$ {‘ëg H§$nmC§S>

Eb~rEg ‘mJ©, ^m§Sw>n (n{ü‘)

‘w§~B©-400 078

Q>obr.: 022-25963838

’$¡Šg: 022-25946969

B©-‘ob AmB©S>r : [email protected]

~¢H$ go nÌmMma H$aZo H$m nVm:

ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md Ed§ AZwnmbZ A{YH$mar

goÝQ´b ~¢H$ Am°’$$ B§{S>`m

9dt ‘§{Ob, M§Xa‘wIr

Zar‘Z nm°B§Q>

‘w§~B©-400 021

g§nH©$ Z§. 022- 6638 7818

’$¡Šg : 022- 2283 5198

B©-‘ob AmB©S>r: [email protected]; [email protected]

{XZm§H$ 31.03.2014 H$mo eoàYm[aVm H$m ñdê$n

{XZm§H$ 31.03.2014 H$mo eoàYm[aVm H$m ñdê$neoàYmaH$m| H$s loUr eo`g© H$s g§»`m eoàYmaH$m| H$s g§»`m Hw$b eo`g© Ym[aVm H$m

%S>r‘oQ> ^m¡{VH$ S>r‘oQ> ^m¡{VH$Ho$ÝÐ gaH$ma 1196959325 0 1 0 1196959325 88.63pŠb`[a¨J gXñ` 1911965 0 465 0 1911965 0.14AÝ` H$m°nm}aoQ> {ZH$m` 7623540 90 1232 1 7623630 0.56H$m°nm}aoQ> {ZXoeH$JU 160 0 1 0 160 0.00{dÎmr` g§ñWmE§ 73420914 0 16 0 73420914 5.44{dXoer {ZdoeH$ g§ñWmE§ 11833770 0 40 0 11833770 0.88gaH$mar H§$n{Z`m§ 700 0 1 700 0.00qhXy A{d^m{OV n[adma 101822 0 2 0 101822 0.01å`wÀ`wAb ’$§S> 12517 0 2 0 12517 0.00amï´>r`H¥$V ~¢H$ 1025176 0 7 0 1025176 0.08J¡a-amï´>r`H¥$V ~¢H$ 517479 0 5 0 517479 0.04A{Zdmgr ^maVr` 1224459 69600 1053 1 1294059 0.09A{Zdmgr (AàË`mdV©Zr`) 174809 0 284 0 174809 0.01OZgm‘mÝ` 50099868 15957 188600 125 50115825 3.71Q´ñQ> 112925 0 20 0 112925 0.01OrAmB©gr Ed§ CgH$s AZwf§{J`m§

5334239 0 5 0 5334239 0.40

Hw$b 1350353668 85647 191734 127 1350439315 100.00

34


eo`g© H$m {S>‘oQ>o[a`bmBOoeZ

~¢H$ Ho$ eo`g© H$m H«$`-{dH«$` A{Zdm`©V: S>r‘oQ> ê$n ‘| {H$`m OmVm h¡, ~¢H$ Zo nhbo go hr eo`g© Ho$ S>r‘oQ> [a`bmBOoeZ Ho$ {bE XmoZm| {S>nm°{OQ>ar ZoeZb {gŠ`y[aQ>rµO {S>nm°{OQ>arµO {b{‘Q>oS> (EZEgS>rEb) Ed§ goÝQ´b {S>nm°{OQ>ar g{d©gog (B§{S>`m) {b{‘Q>oS> (grS>rEgEb) Ho$ gmW H$ama {H$`m h¡. {XZm§H$ 31.03.2014 H$mo eoàYmaH$m| Ûmam S>r‘oQ> Ed§ ^m¡{VH$ ñdê$n ‘| Ym[aV eo`g© Ho$ {ddaU {ZåZmZwgma h¢ :

eoàYmaH$m| H$s g§»`m eo`g© H$s g§»`m Ym[aVm H$m %

^m¡{VH$ ñdê$n ‘| 127 85647 0.01

EZEgS>rEb 122470 132365442 9.80

grS>rEgEb* 69264 1217988226 90.19

Hw$b 191861 1350439315 100.00* Ho$ÝÐ gaH$ma Ûmam S>r‘oQ> ê$n go Ym[aV 1196959325 (88.63%) g{hV.

H$moB© ^r OrS>rAma/ES>rAma/dmaÊQ> AWdm n[adV©Zr` {bIV ~H$m`m Zht h¡.

AXmdmH¥$V CM§V ImVm| ‘| eo`g©:

gyMrH$aU H$ama Ho$ IÊS> 5E H$s eVm] Ho$ AZwgma, {XZm§H$ 31 ‘mM©, 2014 H$mo “AXmdmH¥$V” CM§V ImVm ‘| ~H$m`m eo`g© {ZåZdV h¢:

H«$.g§.

{ddaU eoàYmaH$m| H$s g‘J« g§»`m

g‘J« ~H$m`m eo`g©

(i) df© Ho$ àma§^ ‘| AXmdmH¥$V CM§V ImVm ‘| g‘J« eoàYmaH$m| H$s g§»`m Ed§ ~H$m`m eo`g© 264 34,851(ii) df© Ho$ Xm¡amZ, eoàYmaH$m| H$s g§»`m, {OÝhm|Zo AXmdmH¥$V CM§V ImVm| go eo`g© Ho$ A§VaU Ho$

{bE OmarH$Vm© go g§nH©$ {H$`m.2 126

(iii) df© Ho$ Xm¡amZ, eoàYmaH$m| H$s g§»`m, {OÝh| AXmdmH¥$V CM§V ImVm| go eoà A§V[aV {H$E JE. 2 126(iv) df© Ho$ A§V ‘| AXmdmH¥$V CM§V ImVm| ‘| ~H$m`m Hw$b eoàYmaH$m| Ed§ eo`g© H$s g§»`m. 262 34,725

H$m°nm}aoQ> JdZ]g Ho$ A{Zdm`© AZw~§Ym| Ho$ AZwnmbZ H$m à‘mUnÌ

ñQ>m°H$ EŠgM|O Ho$ gmW {H$E JE gyMrH$aU H$ama H$s eVm] Ho$ AZwgma H$m°nm}aoQ> JdZ]g Ho$, A{Zdm`© AZw~§Ym| Ho$ AZwnmbZ go g§~§{YV ~¢H$ Ho$ gm§{d{YH$ boImnarjH$m| Ho$ Ûmam Omar à‘mUnÌ g§b¾ h¡.

35


AZwb¾H$ I

AmMma g§{hVm Ho$ AZwnmbZ H$s KmofUm

‘¢ nw{ï> H$aVm hÿ§ {H$ ~moS©> Ho$ g^r gXñ`m| Ed§ d[að> à~§YV§Ì Zo {dÎmr` df© 2013-14 Ho$ {bE ~¢H$ H$s AmMma g§{hVm H$m {Z{üV ê$n go AZwnmbZ {H$`m h¡.

(amOrd F${f) AÜ`j Ed§ à~§Y {ZXoeH$

ñWmZ: ‘w§~B©{XZm§H$: 10 ‘B©, 2014

36


à‘mU nÌà{V,goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ gXñ`JU,

h‘Zo {XZm§H$ 31 ‘mM© 2014, H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m Ûmam H$m°nm}aoQ> JdZ}g H$s eVm] Ho$ AZwnmbZ H$s Om§M H$a br h¡, O¡gm {H$ ñQ>m°H$ EŠgM|O Ho$ gmW H${WV H§$nZr Ho$ gyMrH$aU-H$ama Ho$ I§S> 49 ‘| {ZYm©[aV h¡.

H$m°nm}aoQ> JdZ}g H$s eVm] Ho$ AZwnmbZ H$m Xm{`Ëd à~§YV§Ì H$m h¡. H$m°nm}aoQ> JdZ}g H$s eVm} Ho$ AZwnmbZ H$mo gw{Z{üV H$aZo Ho$ {bE H§$nZr Ûmam A§JrH¥$V à{H«$`mAm| VWm CZHo$ H$m`m©Ýd¶Z VH$ hr h‘mar `h Om§M gr{‘V Wr. `h H§$nZr Ho$ {dÎmr` {dda{U`m| na Z Vmo boImnarjm h¡ Am¡a Z hr CZ na A{^ì`{º$ h¡.

h‘mar am` VWm h‘mar A{YH$V‘ OmZH$mar Ho$ AZwgma Am¡a h‘| {XE JE ñnï>rH$aUm| Ho$ AZwê$n, h‘ `h à‘m{UV H$aVo h¢ {H$ C{„pIV gyMrH$aU H$ama ‘| {ZYm©[aV H$m°nm}aoQ> JdZ}g H$s eVm] H$m H§$nZr Zo AZwnmbZ {H$`m h¡.

h‘ `h à‘m{UV H$aVo h¢ {H$ eo`aYmaH$ g{‘{V Ûmam aIo JE [aH$m°S©> Ho$ AZwgma, H§$nZr Ho$ {dê$Õ H$moB© ^r {ZdoeH$ {eH$m`V EH$ ‘mh go A{YH$ Ad{Y VH$ b§{~V Zht h¡.

gmW hr, h‘mam `h ^r H$WZ h¡ {H$ Bg Vah H$m AZwnmbZ Z Vmo ~¢H$ H$s ^mdr ì`dhm`©Vm H$m Am¡a Z hr à~§YV§Ì Ûmam ~¢H$ Ho$ H$mamo~ma g§~§Yr CZHo$ H$m¡eb VWm à^m{dVm H$m AmœmgZ h¡.

H¥$Vo Hw$‘ma Mmon‹S>m EÊS> Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS >H§$. gZXr boImH$ma

E’$.Ama.Z§.-004135Eg

H¥$Vo XÿJ‹S> EÊS Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000561EZ

(grE gwZrb O¡Z) ^mJrXma

gXñ`Vm g§. 080990

(grE Eg. d|H$Q>H¥$îUZ) ^mJrXma

gXñ`Vm g§. 023488

(grE ‘wHo$e Jmo`b) ^mJrXma

gXñ`Vm g§. 081810

H¥$Vo EZ. gaH$ma EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 301075B©

H¥$Vo EZ. Mm¡Yar EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 301032B©

H¥$Vo ~r.EZ.{‘lm EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 321095B©

(grE E‘. am`) ^mJrXma

gXñ`Vm g§. 012940

(grE AZyn {dœmg) ^mJrXma

gXñ`Vm g§. 050708

(grE Eg.Eg.‘mohnmÌm) ^mJrXma

gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014

37


Hw$‘ma Mmon‹S>m EÊS>> Egmo{eòQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ‘hmamZr ~mJ Ho$ nmg ZB© {X„r 110 065

nr.Ho$. gw~«‘{U`‘ EÊS> H§$. 11-5-23, H$m{V©H$ H$m°ånboŠg {dO`m ~¢H$ Ho$ D$na, ~«oñR>dmanoR> am`Mya - 584 101, H$Zm©Q>H$.

XÿJ‹S> EÊS>> Egmo{eòQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {X„r 110 065

EZ.gaH$ma EÊS> H§$. 21, à’w$„ gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm 700 072 n{ü‘ ~§Jmb

EZ. Mm¡Yar EÊS>> H§$. 10 AmoëS> nmoñQ> Am°{’$g ñQ´rQ> {×Vr` Vb, ê$‘ Z§. 61 H$mobH$mVm 700 001 n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS> H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>dbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

ñdV§Ì boIm narjH$m| H$s [anmoQ>©à{V,

^maV Ho$ ‘hm‘{h‘ amï´>n{V

{dÎmro` {dda{U`m| na [anmoQ>©

1. h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m H$s {XZm§H$ 31 ‘mM©, 2014 H$s g§b¾ {dÎmr` {dda{U`m| {OZ‘| {XZm§H$ 31 ‘mM©, 2014 H$m VwbZ-nÌ, Cº$ {XZm§H$ H$mo g‘má df© Ho$ {bE bm^ hm{Z ImVo VWm ZH$X àdmh {ddaU Ed§ ‘hËdnyU© boIm§H$Z Zr{V`m§ VWm AÝ`> ì`m»`mË‘H$ gyMZmE§ g{Þ{hV h¢, H$s boIm narjm H$s h¡. BZ {dÎmr¶ {dda{U`m| ‘| Hw$b 4550 emImAm| Ed§ 80 joÌr` H$m`m©b`m| ‘| go h‘mao Ûmam boImnar{jV 20 emImAm|, 38 joÌr` H$m`m©b`m| H$s {dda{U`m§, AÝ` boIm narjH$m| Ûmam boIm nar{jV 1441 emImAm|/ godm gh`moJ emImAm| H$s {dda{U`m§ g‘m{hV h¡. BgHo$ Abmdm BZ‘| CZ 3089 emImAm|, 42 joÌr` H$m`m©b`m| Ho$ VwbZ-nÌ Ed§ bm^ hm{Z ImVo ^r em{‘b h¢, Omo {H$ boIm narjmYrZ Zht h¡. BZ AboImnar{jV emImAm| ‘| Hw$b A{J«‘m| H$m 9.98%, O‘mAm| H$m 38.61%, ã`mO Am` H$m 8.78% VWm ã`mO ì`` H$s 31.70% {hñgoXmar h¡. h‘mao Ûmam VWm AÝ` boIm narjH$m| Ûmam boIm nar{jV emImAm| H$m ~¢H$ Ûmam M`Z, ^maVr` [aµOd© ~¢H$ Ûmam Omar {Xem{ZX}em| Ho$ AZwê$n {H$`m J`m h¡.

{dÎmr` {dda{U`m| Ho$ à{V à~§YV§Ì H$m Xm{`Ëd

2. ~¢H$ H$m à~§YV§Ì BZ {dÎmr` {dda{U`m|, Omo ~¢qH$J A{Y{Z`‘, 1949 Ho$ AZwgaU VWm g‘`-g‘` na Omar ^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwnmbZ ‘| ~¢H$ H$s {dÎmr` pñW{V Ed§ {dÎmr` H$m`©-{ZînmXZ H$m ghr Ed§ {Zînj {MÌU àX{e©V H$aZo Ho$ {bE V¡`ma H$aZo Ho$ à{V CÎmaXm`r h¡. Bg CÎmaXm{`Ëd ‘| g‘o{H$V {dÎmr` {ddaUm| Ho$ {Z‘m©U Ed§ àñVw{V go g§~§{YV Am§V[aH$ {Z`§ÌU H$s g§aMZm, {H«$`mÝd`Z Ed§ aIaImd g{Þ{hV h¡, Omo EH$ ghr Ed§ {Zînj pñW{V àñVwV H$aVo h¢ VWm {H$gr ^r àH$ma Ho$ Ìw{Q>de AWdm H$nQ>Vm go ‘hËdnyU© AnH$WZ go ‘wº$ h¢.

boIm narjH$m| H$m Xm{`Ëd

3. h‘mam Xm{`Ëd h‘mao Ûmam H$s JB© boIm narjm Ho$ AmYma na BZ g‘o{H$V {dÎmr` {dda{U`m| na h‘mam A{^‘V ì`º$ H$aZm h¡. h‘Zo h‘mar boIm narjm BpÝñQ>Q>çyQ> Am°’$ MmQ>©S©> AH$mCÝQ>oÝQ²g Am°’$ B§{S>`m Ûmam Omar boIm§H$Z ‘mZH$m| Ho$ AZwê$n H$s h¡. ò ‘mZH$ Anojm H$aVo h¢ {H$ h‘ Amdí`H$ Z¡{VH$Vm H$m AZwnmbZ H$aVo hþE boIm narjm H$mo Bg àH$ma gw{Z`mo{OV Am¡a g§nÞ H$a| {H$ BZ g‘o{H$V {dÎmr` {dda{U`m| Ho$ ghr Ed§ {H$gr ^r àH$ma Ho$ ‘hËdnyU© AnH$WZ go ‘wº$ hmoZo H$m g‘w{MV AœmgZ àH$Q> hmo gHo$.

4. EH$ boIm narjm ‘| do à{H«$`mE§ gpå‘{bV hmoVr h¡, {OZgo g‘o{H$V {dÎmr` {dda{U`m| ‘| Xr JB© am{e`m§ Ed§ àH$Q>rH$aU Ho$ ~mao ‘| boImnar{jV gmú` àmá {H$E Om gH|$. BZ à{H«$`mAm| H$m M`Z boIm narjH$ Ho$ {ZU©` na AmYm[aV hmoVm h¡, {Og‘| g‘o{H$V {dÎmr` {dda{U`m| Ho$ ‘hËdnyU© AnH$WZ, Mmho Ìw{Q>de AWdm H$nQ>VmnyU© hm|, go hmoZo dmbr OmopI‘ H$m AmH$bZ ^r em{‘b hmoVm h¡. BZ OmopI‘m|

38


Ho$ AmH$bZm| ‘| boIm narjm H$s g‘o{H$V {dÎmr` {dda{U`m| Ho$ {Z‘m©U Ed§ àñVwVrH$aU ‘| ~¢H$ Ho$ g§~§{YV Am§V[aH$ {Z`§ÌU na ^r {dMma H$aVo h¢, Omo{H$ ~¢H$ Ho$ Am§V[aH$ {Z`§ÌU H$s à^m{dVm na ‘V Ho$ àH$Q>rH$aU Ho$ CÔoí` Ho$ {~Zm àXÎm n[apñW{V`m| ‘| Bg àH$ma H$s Cn`wº$ boIm narjm à{H«$`m ~ZmZo Ho$ {bE h¢, Omo ghr Ed§ {Zînj {MÌU H$a gH|$. EH$ boIm narjm ‘| AnZmB© JB© Zr{V`m| H$s Cn`wº$Vm H$m AmH$bZ Ed§ à~§YV§Ì Ûmam {H$E JE boIm§H$Z AZw‘mZm| Ho$ Am¡{MË` Ho$ gmW-gmW g‘o{H$V {dÎmr` {dda{U`m| Ho$ g‘J« àñVwVrH$aU H$m ‘yë`m§H$Z ^r em{‘b hmoVm h¡.

5. h‘ {dœmg ì`º$ H$aVo h¢ {H$ h‘mao Ûmam àmá boIm narjm gmú`, h‘mao boIm narjm A{^‘V Ho$ n`m©á Ed§ Cn`wº$ hmoZo Ho$ {bE AmYma CnbãY H$aVm h¡.

{df` H$m ‘hËd

6. boIm narjU (EgE) 706 {df` H$m ‘hËd n¡am na ‘mZH$ Ho$ AZwgma AnZo ‘V Ho$ àH$Q>rH$aU Ho$ {~Zm AmnH$m Ü`mZmH$f©U H$aVo h¢-

(i) h‘ g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 Ho$ ZmoQ> g§.10(gr) H$s Amoa Ü`mZ AmH${f©V H$aVo h¢, Omo ~¢H$ H$s n|eZ XoVm Ed§ J«oÀ`wQ>r Xo`Vm Ho$ AmñWJZ Ho$ g§~§Y ‘| gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ H$‘©Mm[a`m| Ho$ {bE n|eZ {dH$ën nwZ: IwbZm VWm J«oÀ`wQ>r gr‘mAm| ‘| d¥{Õ {ddoH$nyU© {d{Z`m‘H$ ì`dhma na H$‘©Mmar bm^ g§~§Yr ^maVr` [aµOd© ~¢H$ Ûmam Omar n[anÌ g§»`m S>r~rAmonr.~rnr. ~rgr./80/21.04.018/2010-11 {XZm§H$ 09.02.2011 Ho$ ‘mÜ`‘ go boIm§H$Z ‘mZH$ (EEg) 15 H$‘©Mm[a`m| Ho$ bm^mW© Ho$ àmdYmZm| H$mo bmJy H$aZo ‘| gmd©O{ZH$ joÌ Ho$ ~¢H$m| H$mo ̂ maVr` [aµOd© ~¢H$ Ûmam àXÎm Ny>Q> Ho$ AZwgaU ‘| h¢, H$s Amoa Ü`mZ AmH${f©V H$aVo h¢. VXZwgma {XZm§H$ 01 Aà¡b, 2013 H$mo An[aemo{YV am{e `590.77 H$amo‹S> ‘| go ~¢H$ Zo `239.98 H$amo‹S> n|eZ Ho$ {bE VWm `55.40 H$amo‹S> J«oÀ`wQ>r Ho$ {bE n[aemo{YV {H$E h¢, Omo 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE AmZwnm{VH$ am{e h¡ VWm n|eZ Ho$ {bE eof `239.98 H$amo‹S> VWm J«oÀ`wQ>r Ho$ {bE eof `55.40 H$amo‹S> H$mo AmJm‘r dfm] ‘| n[aemo{YV {H$`m OmEJm.

(ii) g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 H$m ZmoQ> g§»`m 10 (Or), Omo {H$ {XZm§H$ 20 {Xgå~a 2013 Ho$ ^m.[a.~¢. Ho$ n[anÌ g§. S>r~rAmoS>r.EZAmo.~rnr.~rgr.77/21.04.018/2013-14 Ho$ AmbmoH$ ‘| 31 ‘mM© 2013 Ho$ Am`H$a A{Y{Z`‘, 1961 H$s Ymam 36 (1) (viii) Ho$ A§VJ©V {dfof àma{jV na AmñW{JV H$a Xo`VmAm| Ho$ g¥OZ na ì`` Ho$ boIm§H$Z CnMma H$m dU©Z H$aVm h¡.

A{^‘V

7. ~¢H$ H$s nwñVH$m| ‘| `Wm àX{e©V Ed§ h‘mar gdm}Îm>‘ OmZH$mar Ho$ AZwgma VWm h‘| {Xò JE ñnï>rH$aU Ho$ AZwgma h‘mao A{^‘V ‘| h‘ [anmoQ>© H$aVo h¢ {H$ :

(i) ‘hËdnyU© boIm§H$Z Zr{V`m| Ed§ CZ na {Q>ßn{U`m| Ho$ gmW n{R>V VwbZ-nÌ EH$ g§nyU© Ed§ {Zînj VwbZ-nÌ h¡, {Og‘| g^r Amdí`H$ {ddaU g‘m{hV h¢, H$mo g‘w{MV VarHo$ go V¡`ma {H$`m J`m h¡ Vm{H$ ^maV ‘| gm‘mÝ`Vm ñdrH$m`© boIm§H$Z {gÕm§Vm|§ Ho$ AZwê$n {XZm§H$ 31 ‘mM©, 2014 H$mo ~¢H$ Ho$ {H«$`mH$bmnm| H$m ghr Ed§ {Zînj {MÌU àX{e©V {H$`m Om gHo$.

(ii) ‘hËdnyU© boIm§H$Z Zr{V`m| Ed§ CZ na {Q>ßn{U`m| Ho$ gmW n{R>V bm^ hm{Z ImVm ^maV ‘| gm‘mÝ`V¶m ñdrH$m`© boIm§H$Z {gÕmÝVm|§ Ho$ AZwê$n Cg df© H$da {H$ò JE boIm| ‘| hm{Z H$s ghr pñW{V Xem©Vm h¡.

(iii) ZH$X àdmh {ddaUr Cg VmarI H$mo g‘má df© Ho$ {bE ghr Ed§ {Zînj ZH$X àdmh H$mo àX{e©V H$aVr h¡.

AÝ` d¡Ym{ZH$ Ed§ {d{Z`m‘H$ AnojmE§

8. VwbZ-nÌ Ed§ bm^ Ed§ hm{Z ImVm, ~¢qH$J {d{Z`‘ A{Y{Z`‘, 1949 H$s Vrgar AZwgyMr Ho$ H«$‘e: ’$m°‘© E Ed§ ’$m°‘© ~r ‘| V¡`ma {H$ò JE h¢.

9. Cn`wº$ n¡am 1 go 5 ‘| {Z{X©ï> boIm narjm gr‘mAm| Ho$ AYrZ Ed§ ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘, 1970 VWm CZ‘| Ano{jV àH$Q>rH$aU H$s gr‘mAm| Ho$ AYrZ h‘ [anmoQ>© H$aVo h¢ {H$ :

(E) h‘Zo CZ g^r gyMZmAm| Ed§ ñnï>rH$aUm| H$mo àmá {H$`m h¡, Omo h‘mar gdm}Îm‘ OmZH$mar Ed§ {dœmg ‘| h‘mar boIm narjm Ho$ {bE Amdí`H$ Wo ËmWm do g§VmofàX nmE JE.

39


(~r) h‘mao g§kmnZ ‘| AmE ~¢H$ Ho$ boZXoZ ~¢H$ H$s e{º$`m| Ho$ A§VJ©V hþE h¢.

(gr) à~§YV§Ì Ûmam àñVwV gyMZmAm| Ho$ gmW ~¢H$ H$s emImAm| Ed§ H$m`m©b`m| go àmá {dda{U`m| H$mo h‘mar boIm narjm Ho$ CÔoí` go n`m©á nm`m J`m.

10. h‘mar am` ‘| VwbZ-nÌ, bm^ hm{Z ImVm Ed§ ZH$X àdmh {ddaUr bmJy boIm§H$Z ‘mZH$m| H$m nmbZ H$aVo h¢.


E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§.-004135Eg

H¥$Vo XÿJ‹S> EÊS> Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 080990


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810

H¥$Vo EZ. gaH$ma EÊS H§$. gZXr boImH$ma

E’$.Ama.Z§. 301075B©

H¥$Vo EZ. Mm¡Yar EÊS>> H§$. gZXr boImH$ma

E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014

40


g§{já {dÎmr¶ {ddaUr na boIm narjH$m| H$s [anmoQ>©

Hw$‘ma Mmon‹S>m EÊS> Egmo{eEQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ‘hmamZr ~mJ Ho$ nmg ZB© {X„r 110 065


XÿJ‹S> EÊS Egmo{eEQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {X„r 110 065

EZ.gaH$ma EÊS H§$. 21, à’w$„ gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm 700 072 n{ü‘ ~§Jmb

EZ. Mm¡Yar EÊS H§$. 10 AmoëS> nmoñQ> Am°{’$g ñQ´rQ> {×Vr` Vb, ê$‘ Z§. 61 H$mobH$mVm 700 001 n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS> H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>odbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

goÝQ´²>b ~¢H$ Am°’$ B§{S>`m Ho$ gXñ¶JU

h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m ({X ~¢H$) Ho$ {XZm§H$ 31 ‘mM©, 2014 H$m g§{já VwbZnÌ VWm Bg VmarI H$mo g‘má df© Ho$ g§{já bm^ Ed§ hm{Z ImVm VWm ZH$X àdmh {ddaU VWm CZHo$ g§b¾ {Q>ßn{U`m| (BgHo$ ~mX BÝh| g§{já {dÎmr` {dda{U`m§ Ho$ Zm‘ go gå~mo{YV {H$`m J`m h¡) H$s Om§M H$s JB©.

~¢H$ Ûmam `o g§{já {dÎmr` {dda{U`m§ H§$nZr (Ho$ÝÐ gaH$ma H$s) gm‘mÝ¶ {Z`‘ Ed§ ’$m°‘©, 1956 Ho$ {Z`‘ 7 E Ed§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam AnZo nÌm§H$ E’$Z§.7/116/2012-~rAmoE, {XZm§H$ 1 AJñV, 2012 Ho$ Ûmam A{Ygy{MV Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢ VWm {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE ~¢H$ H$s boImnar{jV {dÎmr` {dda{U`m| na AmYm[aV h¢, Omo ~¢H$H$mar {d{Z`‘Z A{Y{Z`‘, 1949 H$s Ymam 29, {Ogo H§$nZr A{Y{Z`‘, 1956 H$s Ymam 211 Ho$ gmW n‹T>m OmE, Ho$ àmdYmZm| Ho$ AZwê$n V¡`ma {H$`m J`m h¡ Am¡a {XZm§H$ 10 ‘B©, 2014 H$mo ~¢H$ Ho$ gXñ`JUm| H$mo àñVwV h‘mar [anmoQ>© ‘| H$da {H$E JE h¡, Omo BgHo$ gmW g§b¾ h¡.

H¥$Vo Hw$‘ma Mmon‹S>m EÊS Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 080990


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708

(grE Eg.Eg. ‘mohnmÌm) ^mJrXma

gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014

41


{XZm§H$ 31 ‘mM©, 2014 H$mo goÝQ´>b ~¢H$ Am°µ’$ B§{S>¶m H$m g§{já VwbZ-nÌ

(am{e bmIm| ‘| )

{ddaU31 ‘mM© 2014 H$mo

(dV©‘mZ df© )31 ‘mM© 2013 H$mo

(JV df© )ny§Or Ed§ Xo`VmE§ny§Or 296,743.93 266,157.69àma{jV {Z{Y`m§ Ed§ A{Yeofgm§{d{YH$ àma{jV {Z{Y`m§ 191,198.79 191,198.79ny§OrJV àma{jV {Z{Y`m§ 232,722.89 231,215.38eoà àr{‘`‘ 743,838.93 594,425.17amOñd Ed§ AÝ` àma{jV {Z{Y`m§ 234,731.30 238,130.30{deof àma{jV {Z{Y`m§ Am`H$a A{Y{Z`‘ Ho$ `y/Eg 36 (1)(viii) 10,000.00 10,000.00bm^ Ed§ hm{Z ImVo ‘| eof am{e (130,380.08) 157.79Hw$b 1,282,111.83 1,265,127.43O‘mam{e`m§‘m§J O‘mam{e`m§ 1,353,698.53 1,449,119.35~MV ~¢H$ O‘mam{e`m§ 6,647,374.61 5,909,046.49gmd{Y O‘mam{e`m§ 16,005,825.73 15,245,665.64Hw$b 24,006,898.87 22,603,831.48CYma am{e`m§1. ^maV ‘| CYma am{e`m§(E)^maVr` [aµOd© ~¢H$ 633,898.35 554,307.52(~r) AÝ` ~¢H$ 319.04 1,369.60(gr) AÝ` g§ñWmZ Ed§ EOopÝg`m§ 426,740.21 466,259.04(S>r) AZma{jV à{VXo` ~m°ÝS²g (Jm¡U F$U) 263,730.00 263,730.00(B©) Ana {Q>à II ~m°ÝS²g 288,500.00 288,500.00(E’$) ZdmoÝ‘of ~o{‘`mXr F$U {bIV 108,300.00 108,300.00(Or) Agwa{jV nwZ‘m}MZr` EZgr ~mgb III ~m°ÊS²g ({Q>à II) 100,000.00 -2. ^maV Ho$ ~mha CYmaam{e`m§ 386,490.00 148,085.01Hw$b (1 Ed§ 2) 2,207,977.60 1,830,551.17AÝ` Xo`VmE§ Ed§ àmdYmZXo` {~b 76,552.24 70,212.99A§Va-H$m`m©b` g‘m`moOZ (ewÕ) -Cn{MV ã`mO 166,092.09 136,942.87‘mZH$ AmpñV`m| hoVw àmdYmZ 65,793.78 66,528.14AmñW{JV H$a Xo`Vm (ewÕ) 59,660.00 25,875.00AÝ` 787,792.10 547,728.13Hw$b 1,155,890.21 847,287.13

Hw$b ny§Or Ed§ Xo`VmE§ 28,949,622.44 26,812,954.90

42



(am{e bmIm| ‘| ){ddaU 31 ‘mM© 2014 H$mo

(dV©‘mZ df© )31 ‘mM© 2013 H$mo

(JV df© )ApñV`m§^maVr` [aµOd© ~¢H$ Ho$ nmg ZH$Xr Ed§ eof am{e 1,192,662.93 1,356,016.67~|H$m| ‘| O‘mam{e`m§ Ed§ ‘m§J d Aën gyMZm na am{e~¢H$m| Ho$ nmg eof am{e 26,045.09 42,517.48‘m§J d Aën gyMZm na am{e - 5,000.00^maV Ho$ ~mha eof am{e`m§ 19,095.28 5,687.01Hw$b 45,140.37 53,204.49{Zdoe1. ^maV ‘|

(E) gaH$mar à{V^y{V`m§ 6,789,112.10 6,013,024.67(~r) AÝ` AZw‘mo{XV à{V^y{V`m§ - 4,400.80(gr) eo`g© 140,055.81 143,163.32(S>r) {S>~|Ma Ed§ ~m§Sg² 981,904.67 444,119.87(B©) AZwf§{J`m§ Ed§ /AWdm g§`wº$ CÚ‘ 30,399.87 26,291.50(E’$) AÝ` 671,975.60 629,313.27

2. ^maV Ho$ ~mha 65.94 65.94Hw$b (1 Ed§ 2) 8,613,513.99 7,260,379.37A{J«‘1. ^maV ‘|

(E) IarXo JE Ed§ ^wZmE JE {~b 223,493.15 229,967.55(~r)ZH$X CYma, Amoda S´mâQ> Ed§ ‘m§J na à{VXo` F$U 6,667,215.79 6,274,689.95(gr) ‘r`mXr F$U 10,840,808.23 10,688,926.83

2. ^maV Ho$ ~mha - -Hw$b (1 Ed§ 2) 17,731,517.17 17,193,584.33AMb AmpñV`m§ 280,438.93 268,475.46AÝ` AmpñV`m§A§Va H$m`m©b` g‘m`moOZ (ewÕ) 308,897.55 90,216.95Cn{MV ã`mO 175,750.83 137,991.94A{J«‘ H$a ^wJVmZ/òmoV na H$mQ>m J`m H$a 284,997.10 209,347.46AmñW{JV H$a AmpñV`m§ (ewÕ) -Xmdm| H$s g§Vw{ï> ‘| àmá H$s JB© J¡a-~¢qH$J AmpñV`m§ñQ>oeZar Ed§ ñQ>mån 1,779.97 1,361.05AÝ` 314,923.60 242,377.18Hw$b 1,086,349.05 681,294.58

Hw$b AmpñV`m§ 28,949,622.44 26,812,954.90

43



(dV©‘mZ df© )31 ‘mM© 2013 H$mo

(JV df© )AmH$pñ‘H$ Xo`VmE§~¢H$ Ho$ {dê$Õ Xmdo {OÝh| F$U Ho$ ê$n ‘| Zht ‘mZm J`m h¡. 11,963.46 6,356.71Anrb, g§emoYZ Am{X Ho$ A§VJ©V {ddm{XV Am`H$a ‘m§J 140,058.95 91,260.21~H$m`m dm`Xm {dXoer ‘wÐm g§{dXmAm| Ho$ H$maU Xo`Vm 6,406,023.89 3,576,968.28J«mhH$m| H$s Amao go àXËV Jma§Q>r 1,090,367.93 1,007,968.65ñdrH¥${V`m§, n¥îR>m§H$Z VWm AÝ` Xm{`Ëd 1,123,326.17 1,263,724.90AÝ` ‘X|, {OZHo$ {bE ~¢H$ AmH$pñ‘H$ ê$n go XoZXma h¡ 83,511.07 5,624.64Hw$b 8,855,251.47 5,951,903.39

g§J«hU hoVw {~b 767,173.57 609,557.07

ZmoQ>- 1 : ` 184012.04 (JV df© ` 186758.21 ) Ho$ nyZ‘y©ë`m§H$Z àma{jV {Z{Y g{hV

~r. Ho$. {XdmH$a H$m`©nmbH$ {ZXoeH$

A{Z‘of Mm¡hmZ H$m`©nmbH$ {ZXoeH$

Ama. Ho$. Jmo`b H$m`©nmbH$ {ZXoeH$

amOrd F${f AÜ`j Ed§ à~§Y {ZXoeH$

gm¡a^ JJ© {ZXoeH$ eoIa ^Q>ZmJa {ZXoeH$

Jw‘mZ qgh {ZXoeH$

àmo. EZ. ~mbH¥$îUZ {ZXoeH$

E‘.nr. emoamdmbm {ZXoeH$

H¥$îU goR>r {ZXoeH$

gwlr EZ.Eg. aËZà^m {ZXoeH$

Eg.~r. amoSo> {ZXoeH$

Jwa~»e Hw$‘ma Omoer {ZXoeH$


E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 080990


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014


44


{XZm§H$ 31 ‘mM© 2014 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m H$m g§{já bm^-hm{Z ImVm

(am{e bmIm| ‘|){ddaU 31 ‘mM© 2014 H$mo

g‘má df© Ho$ {bE (dV©‘mZ df© )

31 ‘mM© 2013 H$mo g‘má df© Ho$ {bE

(JV df© )Am`A{O©V ã`mOA{J«‘m|/{~bm| na 1,861,999.27 1,692,253.50{Zdoem| na 576,385.23 477,866.09^maVr` [aOd© ~¢H$ Ed§ AÝ` A§Va-~¢H$ {Z{Y`m| ‘| eof am{e na 3,283.88 7,868.62AÝ` 1,086.59 8,076.84Hw$b 2,442,754.97 2,186,065.05AÝ` Am`H$‘reZ, {d{Z‘` Ed§ Xbmbr 82,167.12 81,566.81{Zdoem| H$s {~H«$s na ewÕ bm^ 45,536.69 38,287.50^y{‘, ^dZm| Ed§ AÝ` AmpñV`m| H$s {~H«$s go ewÕ bm^ (119.30) (65.36){d{Z‘` boZ XoZm| na ewÕ bm^ 19,872.37 6,087.72^maV/{dXoe ‘| AZwf§Jr H§$n{Z`m| Ed§ AWdm g§`wº$ CÚ‘m| go bm^m§e BË`m{X Ho$ Ûmam Am` 278.50 278.50{d{dY Am` 44,522.67 40,577.79Hw$b 192,258.05 166,732.96Hw$b Am` 2,635,013.02 2,352,798.01ì``àXÎm ã`mOO‘mam{e`m| na 1,637,456.53 1,493,988.80^maVr` [aOd© ~¢H$ / A§Va ~¢H$ CYma am{e`m| na 38,088.35 17,456.34AÝ` 117,771.58 100,862.93Hw$b 1,793,316.46 1,612,308.07n[aMmbZ ì``H$‘©Mm[a`m| H$mo ^wJVmZ Ed§ CZHo$ {bE àmdYmZ 353,700.97 289,154.88{H$am`m, H$a Ed§ {~Obr 33,356.13 26,647.09‘wÐU Ed§ boIZgm‘J«r 4,718.32 3,039.76{dkmnZ Ed§ àMma- àgma 2,654.35 2,869.38~¢H$ H$s g§n{Îm na ‘yë`õmg 20,854.74 18,444.97{ZXoeH$m| H$s ’$sg, ^Îmo Ed§ IM] 89.81 87.51boImnarjH$m| H$s ’$sg Ed§ IM} (emIm boImnarjH$m| g{hV) 1,734.54 1,081.59{d{Y à^ma 1,848.23 1,474.06S>mH$, Vma, Q>obr’$moZ BË`m{X 5,285.37 3,666.54‘aå‘V Ed§ aIaImd 5,876.88 5,739.50~r‘m 19,612.64 17,124.03AÝ` 68,161.56 53,903.42Hw$b 517,893.54 423,232.73

45


(am{e bmIm| ‘|){ddaU 31 ‘mM© 2014 H$mo

g‘má df© Ho$ {bE (dV©‘mZ df© )

31 ‘mM© 2013 H$mo g‘má df© Ho$ {bE

(JV df© )àmdYmZ Ed§ AmH$pñ‘H$VmE§{Zdoem| Ho$ Ad‘yë`Z na àmdYmZ 25,655.74 (16,224.47)J¡a {Zînm{XV AmpñV`m| hoVw àmdYmZ 329,201.15 135,826.02‘mZH$ AmpñV`m| hoVw àmdYmZ (734.36) 9,069.15AÝ` (Am`H$a N>mo‹S>H$a ) 69,143.02 56,616.56Hw$b 423,265.55 185,287.26

Hw$b ì`` Ed§ àmdYmZ 2,734,475.55 2,220,828.06

H$anyd© bm^/(hm{Z) (99,462.53) 131,969.95Mmby H$a - 50,101.00AmñW{JV H$a 26,821.66 (19,627.00)H$a nümV bm^/(hm{Z) (126,284.19) 101,495.95bm^ / hm{Z AmJo bo OmB© JB© 157.79 147.89Hw$b (126,126.40) 101,643.84{d{Z`moOZ{ZåZ H$mo A§V[aV :gm§{d{YH$ àma{jV - 25,373.99{Zdoe àma{jV 4,253.68 3,752.16H$‘©Mmar H$ë`mU {Z{Y - 4,047.00amOñd àma{jV - 20,000.00àñVm{dV bm^m§e - A{Y‘mZr ny§Or - 15,049.93àñVm{dV bm^m§e - B{¹$Q>r ny§Or - 26,114.42~r‘m Ho$ ~Xbo {Z{Y - 200.00bm^m§e H$a - 6,948.55VwbZnÌ ‘| bo Om`m J`m eof (130,380.08) 157.79





gm¡a^ JJ© {ZXoeH$

eoIa ^Q>ZmJa {ZXoeH$

Jw‘mZ qgh {ZXoeH$








46



E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 080990


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

AmO H$s VmarI H$mo h‘mao A{^boI Ho$ AZwgma

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014


47


{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m H$s g§{já {dÎmr` {dda{U`m| na {Q>ßn{U`m§

1. V¡`ma H$aZo H$m AmYma : {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE g§{jßV {dÎmr` {dda{U`m§ ~¢H$ H$s boImnar{jV ñQ>¡oÊS >AbmoZ {dÎmr` {dda{U`m|

Ho$ AmYma na V¡`ma H$s JBª h¢ (BgHo$ ~mX BÝh|o "dm{f©H$ ñQ>¡¡ÊS> AbmoZ {dÎmr` {dda{U`m§' Ho$ Zm‘ go g§~mo{YV {H$`m OmEJm) `o g§{já {dÎmr` {dda{U`m§ H§$nZr (Ho$ÝÐ gaH$ma H$s) gm‘mÝ` {Z`‘ Ed§ ’$m°‘©, 1956 Ho$ {Z`‘ 7 E Ed§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam AnZo nÌm§H$ E’$ Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 H$s A{YgyMZm Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢.

2. ‘hÎdnyU© boIm§H$Z Zr{V`m§: ~¢H$ H$s ‘hÎdnyU© boIm§H$Z Zr{V`m§ "dm{f©H$ ñQ>¡ÊS> AbmoZ {dÎmr` {dda{U`m§' H$s AZwgyMr 17 ‘| g{Þ{hV h¢.

3. boIm| Ed§ AÝ` àH$Q>rH$aU go g§~§{YV {Q>ßn{U`m§: boIm| Ed§ AÝ` àH$Q>rH$aU go g§~§{YV {Q>ßn{U`m§ dm{f©H$ ñQ>¡ÊS> AbmoZ {dÎmr` {dda{U`m| H$s AZwgyMr 18 ‘| Xr JB© h¢. VWm{n,

Ohm§ boIm§H$Z Zr{V`m| ‘| n[adV©Z h¡ AWdm Ohm§ boImnarjH$ H$s [anmoQ>© ‘| A{V[aº$ gyMZmE§ AWdm Ü`mZ AmH${f©V H$aVr hm|, dhm§ H$moB© {Q>ßnUr Ed§ àH$Q>rH$aU Zht h¡.





gm¡a^ JJ© {ZXoeH$


Jw‘mZ qgh {ZXoeH$







ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014

48


{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© H$s ZH$X àdmh {ddaUr

(H$amoS> `)H«$.g§. {ddaU 31- 03- 2014 31-03-2013E n[aMmbZ J{V{d{Y`m| go ZH$X àdmh

H$am| nyd© bm^ (994.55) 1,319.76I g‘m`moOZ hoVw :

AMb AmpñV`m| na ‘yë`õmg 208.55 184.45{Zdoem| na ‘yë`õmg (n[anŠd {S>~|Mam| g{hV) 256.56 (169.28)J¡a {ZînmXZ AmpñV`m| Ho$ ‘m‘bm| ‘| AemoÜ` H$O© An{bpIV H$O© 3,292.01 1,358.26‘mZH$ AmpñV`m| Ho$ {bE àmdYmZ 689.57 662.63AÝ` ‘Xm| (ewÕ) Ho$ {bE àmdYmZ (5.57) 1.19Am`H$a na ã`mO (ewÕ) (10.87) (80.77)AMb AmpñV`m| (ewÛ) H$s {~H«$s na bm^/hm{Z 1.19 (0.65)Jm¡U F$U na ã`mO Ho$ {bE ^wJVmZ/àmdYmZ (AbJ go ‘mZm OmE§) 642.26 582.86AZwf§{J`m| go àmá bm^m§e (2.79) (2.79)OoEZdmB© Hy$nZ na ã`mO 5.17 -

Cn `moJ 4,081.53 3,855.66II g‘m`moOZ hoVw :

O‘m ‘| d¥{Õ (H$‘r) 14,030.67 29,864.98CYmam| ‘| d¥{Õ/(H$‘r) 3,774.26 5,385.91AÝ` Xo`VmAm| Ed§ àmdYmZm| ‘| d¥{Õ/(H$‘r) 3,285.57 14.24A{J«‘m| ‘| (d¥{Õ)/H$‘r (9,360.91) (26,443.88){Zdoem| ‘| (d¥{Õ)/H$‘r (13,777.91) (13,191.24)AÝ` AmpñV`m| ‘| (d¥{Õ)/H$‘r (3,355.52) (437.53)àË`j H$am| H$m ^wJVmZ (dmngr H$m ewÕ Am{X ) (700.54) (156.86)

n[aMmbZ J{V{d{Y`m| go ewÕ ZH$X(E) (6,104.37) (4,964.38)n[aMmbZ J{V{d{Y`m| go ZH$X ewÕ àdmh (2,022.84) (1,108.72)

~r {Zdoe J{V{d{Y`m| go ZH$X àdmhAMb AmpñV`m| H$s {~H«$s/{ZnQ>mZ 49.45 1.27AMb AmpñV`m| H$s IarX (405.01) (425.95)

gh`moJr/AZwf§{J`m| go àmá bm^m§e 2.79 2.79gh`moJr/AZwf§{J`m| ‘| {Zdoe (10.00){Zdoe J{V{d{Y`m| go ewÕ ZH$X àdmh (362.77) (421.89)

gr {dÎmnmo{fV J{V{d{Y`m| go ZH$X àdmheo`a ny§Or 1,799.99 2,406.00Jm¡U F$U H$s àmpßV`m§ /nwZ: àmpßV {Q>`a II ny§Or - -A§V[a‘ bm^m§e g{hV BpŠd{Q> eo`g© (411.64) (275.81)bm^m§e H$a (69.49) (44.45)OoEZdmB© ñd¡n Hy$nZ na ã`mO (5.17) (6.66)Jm¡U H$O© na ã`mO (642.26) (582.86)

{dÎmnmo{fV J{V{d{Y`m| go ewÕ ZH$X àdmh 671.43 1,496.22

49


(H$amoS> `)H«$.g§. {ddaU 31- 03- 2014 31-03-2013S>r ZH$X Ed§ ZH$X Vwë` (E+~r+gr ) `m ( E‘$ -B©) ‘| ewÕ d¥{× (1,714.17) (34.39)B© df© Ho$ àma§^ na ZH$X VWm ZH$X Vwë`

ZH$X Ed§ ^m[a~¡ Ho$ gmW eof 13,560.17 13,114.18~¢H$ ‘| VWm ‘m§J na YZ Ed§ Aën gyMZm ‘| eof 532.04 1,012.42

df© Ho$ àma§^ na ewÕ ZH$X VWm ZH$X g‘H$j 14,092.21 14,126.60E‘$ df© H$s g‘m{á na ZH$X Ed§ ZH$X g‘H$j

ZH$X Ed§ ^m[a~¡ Ho$ gmW eof 11,926.63 13,560.17~¢H$ Ed§ ‘m§J na YZam{e VWm Aën gyMZm ‘| eof 451.40 532.04

df© Ho$ A§V ‘| ewÕ ZH$X VWm ZH$X g‘H$j 12,378.03 14,092.21





gm¡a^ JJ© {ZXoeH$


Jw‘mZ qgh {ZXoeH$








E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ

(grE gw{Zb O¡Z) ^mJrXma

gXñ`Vm g§. 080990


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 10 ‘B©, 2014

{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© H$s ZH$X àdmh {ddaUr

50


Hw$‘ma Mmon‹S>m EÊS>> Egmo{eEQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ZB© {X„r 110 065


XÿJ‹S> EÊS> Egmo{eEQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {X„r 110 065

EZ.gaH$ma EÊS>>> H§$. 21, à’w$„ gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm 700 072 n{ü‘ ~§Jmb

EZ. Mm¡Yar EÊS>> H§$. 10 AmoëS> nmoñQ> Am°{’$g ñQ´rQ> {×Vr` Vb, ê$‘ Z§. 61 H$mobH$mVm 700 001 n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS>> H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>dbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

g‘o{H$V {dÎmr¶ {dda{U¶m| na ñdV§Ì boIm narjH$m| H$s [anmoQ>©

goÝQ´²>b ~¢H$ Am°’$ B§{S>`m H$m {ZXoeH$ ‘§S>b

1. h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m (X ~¢H$), BgH$s AZwf§{J`m| Am¡a Egmo{eEQ²g (gm‘y{hH$ ê$n go BÝh| g‘yh Ho$ ê$n ‘| g§~mo{YV {H$`m J`m h¡) Ho$ g‘o{H$V {dÎmra` {ddaUm|, {OZ‘| {XZm§H$ 31 ‘mM©, 2014 H$m g‘o{H$V VwbZ-nÌ VWm Bg VmarI H$mo g‘má df© Ho$ {bE g‘o{H$V bm^ hm{Z ImVm Ed§ g‘o{H$V ZH$X àdmh {ddaUr Ed§ à‘wI boIm§H$Z Zr{V`m§ Ed§ AÝ` ì`m»`mË‘H$ gyMZmE§ em{‘b h¢, H$m boIm narjU {H$`m h¡, {OZ‘| {ZåZ{bpIV g‘m{hV h¡ :

(i) h‘mao Ûmam boImnar{jV goÝQ´b ~¢H$ Am°’$ B§{S>`m ("{X ~¢H$') Ho$ boImnar{jV boIo.

(ii) AÝ` boIm narjH$m| Ûmam BgH$s 2 AZwf§{J`m|, Ed§ 3 joÌr` J«m‘rU ~¢H$m|, Omo g^r AÝ` boIm narjH$m| ×mam boIm nar{jV hþE h¢.

(iii) Zm¡ ‘mh H$s Ad{Y Ho$ {bE Egmo{eEQ²g H$m AÝ` boIm narjH$m| ×mam boIm nar{jV VWm 31 ‘mM© 2014 H$mo g‘má {V‘mhr Ho$ {bE Cº$ Egmo{eEQ²g H$m AboImnar{jV boIo.

{dÎmr` {dda{U`m| Ho$ {bE à~§YV§Ì H$m Xm{`Ëd

2. à~§YV§Ì BZ g‘o{H$V {dÎmr` {dda{U`m|, Omo g‘yh H$s g‘o{H$V {dÎmr` pñW{V, g‘o{H$V {dÎmr` H$m`©-{ZînmXZ Ed§ ZH$X àdmh H$m ghr Ed§ {Zînj {MÌU H$aVr h¢, VWm Omo ^maV ‘| gm‘mÝ`V: ñdrH$m`© boIm§H$Z Zr{V`m| Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢, {OZ‘| g‘o{H$V {dÎmr` {ddaUm| Ho$ {Z‘m©U Ed§ àñVw{V go g§~§{YV Am§V[aH$ {Z`§ÌU H$s g§aMZm, {H«$`mÝd`Z Ed§ aIaImd g{Þ{hV h¡ VWm Omo EH$ ghr Ed§ {Zînj pñW{V àñVwV H$aVo h¢ VWm Omo {H$gr ^r àH$ma Ho$ H$nQ> AWdm Ìw{Q>de ‘hËdnyU© AnH$WZ go ‘wº$ h¡.

boIm narjH$m| H$m Xm{`Ëd

3.1 h‘mam Xm{`Ëd h‘mao Ûmam H$s JB© boIm narjm Ho$ AmYma na BZ g‘o{H$V {dÎmr` {dda{U`m| na h‘mam A{^‘V ì`º$ H$aZm h¡. h‘Zo h‘mar boIm narjm "B§ñQ>rQ>çyQ>>> Am°’$ MmQ>©S©> AH$mCÝQ>oÝQ²g Am°’$ B§{S>`m Ûmam Omar boIm§H$Z ‘mZH$m| Ho$ AZwê$n H$s h¡. `o ‘mZH$ Anojm H$aVo h¢ {H$ h‘ Amdí`H$ Z¡{VH$Vm H$m AZwnmbZ H$aVo hþE boIm narjm H$mo Bg àH$ma gw{Z`mo{OV Am¡a g§nÞ H$a| {H$ BZ g‘o{H$V {dÎmr` {dda{U`m| Ho$ ghr Ed§ {H$gr ^r àH$ma Ho$ ‘hËdnyU© AnH$WZ go ‘w{º$ hmoZo H$m g‘w{MV AmœmgZ {d{XV hmo gHo$.

3.2 EH$ boIm narjm ‘| do à{H«$`mE§ gpå‘{bV hmoVr h¡, {OZgo g‘o{H$V {dÎmr` {dda{U`m| ‘| Xr JB© am{e`m§ Ed§ àH$Q>rH$aU Ho$ ~mao ‘| boImnar{jV gmú` àmá {H$E Om gH|$. BZ à{H«$`mAm| H$m M`Z boIm narjH$ Ho$ {ZU©` na AmYm[aV hmoVm h¡, {Og‘| g‘o{H$V {dÎmr` {dda{U`m| Ho$ ‘hËdnyU© AnH$WZ, Mmho Ìw{Q>de AWdm H$nQ>VmnyU© hm|, go hmoZo dmbr OmopI‘ H$m AmH$bZ ^r em{‘b hmoVm h¡. CZ OmopI‘m| Ho$ {ZYm©aU ‘|, boImnarjH$, àXÎm n[apñW{V`m| ‘| Cn`wº$ boImnarjm à{H«$`mAm| Ho$ {Z‘m©U ‘|, CZ g‘o{H$V {dÎmr` {dda{U`m| Ho$ {Z‘m©U Ed§ àñVwVrH$aU ‘| ~¢H$ H$s V¡`mar go g§~§{YV Am§V[aH$ {Z`§ÌUm| na ghr Ed§ {Zînj {MÌU àñVwV H$aVm h¡. bo{H$Z g‘yh H$s Am§V[aH$ {Z`§ÌU H$s à^m{dVm na am` ì`º$ H$aZo Ho$ CÔoí` Ho$ {bE Zht. EH$ boIm narjm ‘|, AnZmB© JB© Zr{V`m| H$s Cn`wº$Vm H$m AmH$bZ Ed§

51


à~§YV§Ì Ûmam {H$E JE boIm§H$Z AZw‘mZm| Ho$ Am¡{MË` Ho$ gmW-gmW, g‘o{H$V {dÎmr` {dda{U`m| Ho$ g‘J« àñVwVrH$aU H$m ‘yë`m§H$Z ^r em{‘b hmoVm h¡.

3.3 h‘ {dœmg ì`º$ H$aVo h¢ {H$ h‘mao Ûmam àmá boIm narjm gmú`, h‘mao boIm narjm A{^‘V Ho$ n`m©á Ed§ Cn`wº$ hmoZo Ho$ {bE AmYma CnbãY H$amVm h¡.

A{^‘V

4. h‘mar am` ‘| Ed§ h‘mar gdm}Îm‘ OmZH$mar Ho$ AZwgma h‘| {XE JE ñnï>rH$aUm| VWm AZwf§{J`m| d Egmo{eEQ²g H$s {dÎmr` {dda{U`m| na AÝ` boIm narjH$m| H$s ZrMo Xr JB© [anmoQ>m] Ho$ AdbmoH$Z Ho$ AmYma na `o g‘o{H$V {dda{U`m§ ^maV ‘| gm‘mÝ`V`m ñdrH$m`© boIm§H$Z Zr{V`m| Ho$ AZwê$n EH$ ghr d {Zînj {MÌU àñVwV H$aVr h¢ :

(i) g‘o{H$V VwbZ-nÌ Ho$ ‘m‘bo ‘| {XZm§H$ 31 ‘mM©, 2014 H$mo g‘yh Ho$ {H«$`mH$bmnm| H$s pñW{V,

(ii) g‘o{H$V bm^-hm{Z ImVm Ho$ ‘m‘bo ‘| Cº$ VmarI H$mo df© H$s hm{Z

(iii) g‘o{H$V ZH$X àdmh {ddaUr Ho$ ‘m‘bo ‘| Cg VmarI H$mo g‘má df© Ho$ {bE ZH$X àdmh

{df` H$m ‘hËd

5. boIm§H$Z (EgE) 706 Ho$ ‘mZH$ na ‘mZH$ Ho$ AZwgma ""{df`dñVw n¡amJ«m’$ na ~b'' h‘mar am` H$mo n[ad{V©V {H$E {~Zm, h‘ {ZåZmZwgma Ü`mZ AmH${f©V H$aVo h¢:

(i) h‘ g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 Ho$ ZmoQ> g§.5.3.1 H$s Amoa Ü`m²Z AmH${f©V H$aVo h¢, Omo ~¢H$ H$s n|eZ Xo`Vm Ed§ J«oÀ`wQ>r Xo`Vm Ho$ AmñWJZ Ho$ g§~§Y ‘| ""gmd©O{ZH$ joÌ Ho$ ~¢H$m| Ho$ H$‘©Mm[a`m| Ho$ {bE n|eZ {dH$ën nwZ: IwbZm VWm J«oÀ`wQ>r gr‘mAm| ‘| d¥{Õ {ddoH$nyU© {d{Z`m‘H$ ì`dhma'' na H$‘©Mmar bm^ g§~§Yr ^maVr` [aµOd© ~¢H$ Ûmam Omar n[anÌ g§»`m S>r~rAmoS>r. ~rnr.~rgr./80/21.04.018/2010-11 {XZm§H$ 09.02.2011 Ho$ ‘mÜ`‘ go boIm§H$Z ‘mZH$ (EEg) 15 ""H$‘©Mm[a`m| Ho$ bm^mW©'' Ho$ àmdYmZm| H$mo bmJy H$aZo ‘| gmd©O{ZH$ joÌ Ho$ ~¢H$m| H$mo ^maVr` [aµOd© ~¢H$ Ûmam àXÎm Ny>Q> Ho$ AZwgaU ‘| h¢. VXZwgma {XZm§H$ 01 Aà¡b, 2013 H$mo An[aemo{YV am{e `590.77 H$amo‹S> ‘| go ~¢H$ Zo `239.99 H$amo‹S> n|eZ Ho$ {bE VWm `55.40 H$amo‹S> J«oÀ`wQ>r Ho$ {bE n[aemo{YV {H$E h¢, Omo 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE AmZwnm{VH$ am{e h¡ VWm n|eZ Ho$ {bE eof `239.98 H$amo‹S> VWm J«oÀ`wQ>r Ho$ {bE eof `55.40 H$amo‹S> H$mo AmJm‘r dfm] ‘| n[aemo{YV {H$`m OmEJm.

(ii) g‘o{H$V {dÎmr` {ddaUr, {Og‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V g|ÝQ´b ‘Ü` àXoe J«m‘rU ~¢H$ (grE‘nrOr~r, EH$ Agmo{eEQ>) Ho$ bm^ H$s {hñgoXmar `5.95 H$amo‹S> em{‘b h¡, na Ho$ÝÐr` gm§{d{YH$ boIm narjH$ Zo AnZr am` H$mo gr{‘V {H$E {~Zm, Hw$N> A{J«‘m| na An`m©á àmdYmZ, Xmo joÌm| Ho$ ì`m`m| H$m àmdYmZ Z H$aZo, Am`H$a/godmH$a H$m An`m©á àmdYmZ Ho$ H$maU grE’$nrOr~r H$s {dÎmr` {ddaUr na hþE ewÕ à^md H$m {ZYm©aU Zht {H$`m Om gH$m h¡.

6. AÝ` ‘m‘bo

h‘Zo AJ«{bpIV {dÎmr` {dda{U`m| H$s boIm narjm Zht H$s h¡ (i) Xmo AZwf§{J`m§, {OZH$s {dËVr` {dda{U`m| ‘| 31 ‘mM©, 2014 H$mo Hw$b AmpñV`m§ `554.53 H$amo‹S> VWm Hw$b amOñdd `66.98 H$amo‹S> VWm ewÕ ZH$X àdmh Cg VmarI H$mo g‘má df© Ho$ {bE `1.28 H$amo‹S> Xem©`m J`m h¡ VWm (ii) Egmo{eEQ²g (3 joÌr` J«m‘rU ~¢H$ Ed§ 1 AÝ` Egmo{eEQ>), {OZH$m Cg VmarI H$mo g‘má df© Ho$ {bE ewÕ bm^ `138.14 H$amo‹S> (~¢H$ H$s {hñgoXmar ` 42.31 H$amo‹S>) Xem©`m J`m h¡. `o {dÎmr` {dda{U`m§ AÝ` boIm narjH$m| Ûmam boIm nar{jV h¢ VWm {OZH$s [anmoQ>] h‘| à~§YV§Ì Ûmam CnbãY H$amB© JB© h¡, VWm h‘mar am` CZ AÝ` boIm narjH$m| H$s [anmoQ>m] na nyU©V: AmYm[aV h¡. Bg ‘m‘bo ‘| h‘mar [anmoQ>© gr{‘V Zht h¡.


E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS H§$. gZXr boImH$ma

E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ

52


(grE Ama. Ho$. AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810

H¥$Vo ‘o. EZ. gaH$ma EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 301075B©

H¥$Vo ‘o. EZ. Mm¡Yar EÊS> H§$. gZXr boImH$ma

E’$.EZ.Z§. 301032B©

H¥$Vo ‘o. ~r.EZ.{‘lm EÊS> H§$. gZXr boImH$ma

E’$.EZ.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©

{XZm§H$ : 20 ‘B©, 2014

53


g§{já g‘o{H$V {dÎmr¶ {dda{U¶m| na boIm narjH$m| H$s [anmoQ>©

Hw$‘ma Mmon‹S>m EÊS> Egmo{eEQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ZB© {X„r 110 065


XÿJ‹S> EÊS Egmo{eEQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {X„r 110 065

EZ.gaH$ma EÊS> H§$. 21, à’w$„ gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm 700 072 n{ü‘ ~§Jmb

EZ. Mm¡Yar EÊS H§$. 10 AmoëS> nmoñQ> Am°{’$g ñQ´rQ> {×Vr` Vb, ê$‘ Z§. 61 H$mobH$mVm 700 001 n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>dbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

goÝQ´²>b ~¢H$ Am°’$ B§{S>`m Ho$ {ZXoeH$ ‘§S>b H$mo

h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m Ed§ BgH$s AZwf§{J`m| Ed§ gh`mo{J`m| (gm‘y{hH$ ê$n go BÝh| g‘yh Ho$ ê$n ‘| ‘mZm J`m h¡) Ho$ {XZm§H$ 31 ‘mM©, 2014 H$m g§{já g‘o{H$V VwbZnÌ VWm Bg VmarI H$mo g‘má df© Ho$ g§{já g‘o{H$V bm^ Ed§ hm{Z ImVm VWm g‘o{H$V ZH$X àdmh {ddaU VWm CZHo$ g§b¾ {Q>ßn{U`m| (BgHo$ ~mX BÝh|o g§{já g‘o{H$V {dÎmr` {dda{U`m§ Ho$ Zm‘ go gå~mo{YV {H$`m J`m h¡) H$s Om§M H$s JB©.

~¢H$ Ûmam `o g§{já g‘o{H$V {dÎmr` {dda{U`m§ H§$nZr (Ho$ÝÐ gaH$ma H$s) gm‘mÝ` {Z`‘ Ed§ ’$m°‘©, 1956 Ho$ {Z`‘ 7 E Ed§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam AnZo nÌm§H$ E’$Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 Ho$ Ûmam A{Ygy{MV Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢ VWm {XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE ~¢H$ H$s boImnar{jV {dÎmr` {dda{U`m| na AmYm[aV h¢, BñQ>rQ>çyQ>> Am°’$ MmQ©>S©> AH$mC§Q>oQ²g Am°’$ BpÊS>`m Ûmam Omar AH$mC§qQ>J ñQ>|S>S©> 21 g‘o{H$V {dÎmr` {dda{U`m§ Ed§ AH$mC§qQ>J ñQ>|S>S©> 23-g‘o{H$V {dÎmr` {dda{U`m| ‘| Egmo{eEQ²g ‘| {Zdoem| H$m boIm§H$Z H$s Amdí`H$VmAm| Ho$ AZwê$n ~¢H$ Ûmam V¡`ma {H$E JE h¢ Am¡a {XZm§H$ 20 ‘B©, 2014 H$mo ~¢H$ Ho$ {ZXoeH$ ‘ÊS>b H$mo àñVwV h‘mar [anmoQ>© ‘| H$da {H$`m J`m h¡, Omo BgHo$ gmW g§b¾ h¡.


E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 20 ‘B©, 2014

54


{XZm§H$ 31 ‘mM©, 2014 H$mo goÝQ´>b ~¢H$ Am°µ’$ B§{S>¶m H$m g§{já g‘o{H$V VwbZ-nÌ


(dV©‘mZ df© )31 ‘mM© 2013 H$mo

(JV df© )ny§Or 296,743.93 266,157.69àma{jV {Z{Y`m§ Ed§ A{Yeof - -gm§{d{YH$ àma{jV {Z{Y`m§ 192,330.31 192,330.31ny§OrJV àma{jV {Z{Y`m§ 232,722.90 231,215.38eoà àr{‘`‘ 743,838.93 594,425.17amOñd Ed§ AÝ` àma{jV {Z{Y`m§ 231,865.83 235,185.83{deof àma{jV {Z{Y`m§ Am`H$a A{Y{Z`‘ Ho$ `y/Eg 36 (1)(viii) 10,705.17 10,392.47bm^ Ed§ hm{Z ImVo ‘| eof am{e (107,187.33) 24,136.67Hw$b 1,304,275.81 1,287,685.83Aëng§»`H$m| Ho$ {hV 3,081.98 2,714.05O‘mam{e`m§‘m§J O‘mam{e`m§ 1,352,775.27 1,447,213.51~MV ~¢H$ O‘mam{e`m§ 6,647,374.61 5,909,046.49gmd{Y O‘mam{e`m§ 16,034,302.73 15,265,646.97Hw$b 24,034,452.61 22,621,906.97CYma am{e`m§1. ^maV ‘| CYma am{e`m§(E)^maVr` [aµOd© ~¢H$ 633,898.35 554,307.52(~r) AÝ` ~¢H$ 319.04 1,369.60(gr) AÝ` g§ñWmZ Ed§ EOopÝg`m§ 432,518.08 475,336.74(S>r) AZma{jV à{VXo` ~m°ÝS²g (Jm¡U F$U) 263,630.00 263,630.00(B©) Ana {Q>à II ~m°ÝS²g 288,500.00 288,500.00(E’$) ZdmoÝ‘of ~o{‘`mXr F$U {bIV 108,300.00 108,300.00(Or) Agwa{jV nwZ‘m}MZr` EZgr ~mgb III ~m°ÊS²g ({Q>à II) 100,000.00 -2. ^maV Ho$ ~mha CYma am{e`m§ 386,490.00 148,085.01Hw$b (1 Ed§ 2) 2,213,655.47 1,839,528.87AÝ` Xo`VmE§ Ed§ àmdYmZXo` {~b 76,552.24 70,212.99A§Va-H$m`m©b` g‘m`moOZ (ewÕ)Cn{MV ã`mO 166,100.29 136,849.68‘mZH$ AmpñV`m| hoVw àmdYmZ 66,039.66 66,743.72AmñW{JV H$a Xo`Vm (ewÕ) 59,667.07 25,894.99AÝ` 788,895.30 548,885.59Hw$b 1,157,254.56 848,586.97

Hw$b ny§Or Ed§ Xo`VmE§ 29,009,464.36 26,866,580.38

55




(dV©‘mZ df© )31 ‘mM© 2013 H$mo

(JV df© )ApñV`m§^maVr` [aµOd© ~¢H$ Ho$ nmg ZH$Xr Ed§ eof am{e 1,192,663.08 1,356,016.91~|H$m| ‘| O‘mam{e`m§ Ed§ ‘m§J d Aën gyMZm na am{e ~¢H$m| Ho$ nmg eof am{e 26,873.26 42,544.33‘m§J d Aën gyMZm na am{e - 5,000.00^maV Ho$ ~mha eof am{e`m§ 19,095.28 5,687.01Hw$b 45,968.54 53,231.34{Zdoe 1. ^maV ‘|

(E) gaH$mar à{V^y{V`m§ 6,789,466.02 6,013,378.59(~r) AÝ` AZw‘mo{XV à{V^y{V`m§ - 4,400.80(gr) eo`g© 140,055.81 142,794.74(S>r) {S>~|Ma Ed§ ~m§S²g 981,904.67 444,119.87(B©) AZwf§{J`m| ‘| {Zdoe 37,532.27 36,259.43(E’$) AÝ` 671,975.62 629,681.87

2. ^maV Ho$ ~mha 5,306.04 4,500.70Hw$b (1 Ed§ 2) 8,626,240.43 7,275,136.00A{J«‘1. ^maV ‘|

(E) IarXo JE Ed§ ^wZmE JEo {~b 223,493.15 229,967.55(~r)ZH$X CYma, Amoda S´mâQ> Ed§ ‘m§J na à{VXo` F$U 6,665,875.27 6,274,715.80(gr) ‘r`mXr F$U 10,886,092.41 10,725,920.31

2. ^maV Ho$ ~mha - -Hw$b 1 Ed§ 2 17,775,460.83 17,230,603.66AMb AmpñV`m§ 280,544.54 268,587.96AÝ` AmpñV`m§A§Va H$m`m©b` g‘m`moOZ (ewÕ) 308,897.55 90,216.95Cn{MV ã`mO 176,005.26 137,997.26A{J«‘ H$a ^wJVmZ/ñÌmoV na H$mQ>m J`m H$a 285,718.17 210,042.73AmñW{JV H$a AmpñV`m§ (ewÕ) - -Xmdm| H$s g§Vw{ï> ‘| àmá H$s JB© J¡a-~¢qH$J AmpñV`m§ - -ñQ>oeZar Ed§ ñQ>mån 1,779.98 1,361.05AÝ` 315,297.02 242,806.44Hw$b 1,087,697.98 682,424.43g‘oH$Z na JwS>{db 888.96 580.08Hw$b AmpñV`m§ 29,009,464.36 26,866,580.38

56


AmH$pñ‘H$ Xo`VmE§~¢H$ Ho$ {dê$Û Xmdo {OÝh| F$U Ho$ ê$n ‘| Zht ‘mZm J`m h¡. 11,963.46 6,356.71Anrb, g§emoYZ Am{X Ho$ A§VJ©V {ddm{XV Am`H$a ‘m§J 140,058.94 92,823.60~H$m`m dm`Xm {dXoer ‘wÐm g§{dXmAm| Ho$ H$maU Xo`Vm 6,406,023.89 3,576,968.28J«mhH$m| H$s Amao go àXËV Jma§Q>r 1,090,367.93 1,007,968.65ñdrH¥${V`m§, n¥îR>m§H$Z VWm AÝ` Xm{`Ëd 1,123,326.17 1,263,724.90AÝ` ‘X|, {OZHo$ {bE ~¢H$ AmH$pñ‘H$ ê$n go XoZXma h¡ 83,831.28 5,624.64Hw$b 8,855,571.67 5,953,466.78

g§J«hU hoVw {~b 767,173.57 609,557.07





Jw‘mZ qgh{ZXoeH$




gm¡a^ JJ© {ZXoeH$






E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 20 ‘B©, 2014


57


{XZm§H$ 31 ‘mM© 2014 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m H$m g§{já g‘o{H$V bm^-hm{Z ImVm

(am{e bmIm| ‘| )

{ddaU {X.31 ‘mM© 2014 H$mo g‘má df© Ho$ {bE

(dV©‘mZ df© )

{X.31 ‘mM© 2013 H$mo g‘má df© Ho$ {bE

(JV df© )

Am`

A{O©V ã`mO

A{J«‘m|/{~bm| na 1,866,956.40 1,695,737.45

{Zdoem| na 576,505.26 477,896.72

^maVr` [aOd© ~¢H$ Ed§ AÝ` A§Va-~¢H$ {Z{Y`m| ‘| eof am{e na 3,283.88 7,968.10

AÝ` 1,086.00 8,073.77

Hw$b 2,447,831.54 2,189,676.04

AÝ` Am`

H$‘reZ, {d{Z‘` Ed§ Xbmbr 82,168.47 81,625.56

{Zdoem| H$s {~H«$s na ewÕ bm^ 45,536.69 38,287.50

^y{‘, ^dZm| Ed§ AÝ` AmpñV`m| H$s {~H«$s go ewÕ bm^ (119.30) (64.71)

{dZ‘` boZ XoZm| na ewÕ bm^ 19,872.37 6,087.72

^maV/{dXoe ‘| AZwf§Jr H§$n{Z`m| Ed§/AWdm g§`wº$ CÚ‘m| go bm^m§e BË`m{X Ho$ Ûmam Am`

- -

{d{dY Am` 45,679.49 41,730.60

Hw$b 193,137.72 167,666.67

Hw$b Am` 2,640,969.25 2,357,342.71

ì``

àXÎm ã`mO

O‘mam{e`m| na 1,639,692.52 1,494,664.55

^maVr` [aOd© ~¢H$ / A§Va ~¢H$ CYma am{e`m| na 38,844.29 18,562.99

AÝ` 117,771.59 100,862.93

Hw$b 1,796,308.40 1,614,090.47

n[aMmbZ ì``

H$‘©Mm[a`m| H$mo ^wJVmZ Ed§ CZHo$ {bE àmdYmZ 354,148.61 289,522.18

{H$am`m, H$a Ed§ {~Obr 33,580.85 26,674.05

‘wÐU Ed§ boIZgm‘J«r 4,729.80 3,050.77

{dkmnZ Ed§ àMma- àgma 2,660.24 2,878.36

~¢H$ H$s g§n{Îm na ‘yë`õmg 20,880.30 18,467.00

{ZXoeH$m| H$s ’$sg, ^Îmo Ed§ IM] 129.11 138.81

boImnarjH$m| H$s ’$sg Ed§ IM} (emIm boImnarjH$m| g{hV) 1,738.45 1,086.39

58


(am{e bmIm| ‘| )


(dV©‘mZ df© )


(JV df© )

{d{Y à^ma 1,897.89 1,537.69

S>mH$, Vma, Q>obr’$moZ BË`m{X 5,296.63 3,678.37

‘aå‘V Ed§ aIaImd 5,884.00 5,748.67

AnbopIV {H$E JE AemoÕ F$U 131.21 -

~r‘m 19,612.80 17,128.66

AÝ` 68,317.79 54,086.98

Hw$b 519,007.68 423,997.93

àmdYmZ Ed§ AmH$pñ‘H$VmE§

{Zdoem| Ho$ Ad‘yë`Z na àmdYmZ 10,618.10 16,224.47

J¡a {Zînm{XV AmpñV`m| hoVw àmdYmZ 329,111.46 135,827.02

‘mZH$ AmpñV`m| hoVw àmdYmZ (681.84) 9,176.06

AÝ` (Am`H$a N>mo‹S>H$a ) 84,173.10 23,874.22

Hw$b 423,220.82 185,101.77

Hw$b ì`` Ed§ àmdYmZ 2,738,536.90 2,223,190.17

H$anyd© bm^/(hm{Z) (97,567.64) 134,152.54

Mmby H$a 27,647.70 50,766.19

AñW{JV H$a (64.13) (19,625.29)

H$a nümV bm^/(hm{Z) (125,151.21) 103,011.64

Omo‹S>o : gh`moJr g§ñWmZm| ‘| Am` H$m ^mJ 4,230.89 4,134.25

KQ>mE§: Aëng§»`H$ {hV (402.16) (407.59)

KQ>mE§: A{YJ«hU nyd© bm^ (14.71) -

g‘yh bm^ (121,337.19) 106,738.29

bm^ / hm{Z AmJo bo OmB© JB© 24,136.67 22,988.89

KQ>mE§: Egmo{e`Q²g ‘| {Zdoe Ho$ H$maU AmJo bmE JE g‘o{H$V bm^ ‘| H$‘r (5,261.48) (3,721.42)

Hw$b (102,462.00) 126,005.76

{d{Z`moOZ

{ZåZ H$mo A§V[aV :

gm§{d{YH$ àma{jV - 25,373.99

{Zdoe àma{jV 4,253.68 3,752.16


59


(am{e bmIm| ‘| )


(dV©‘mZ df© )


(JV df© )

H$‘©Mmar H$ë`mU {Z{Y - 4,047.00

amOñd àma{jV 79.00 20,116.00

àñVm{dV bm^m§e - A{Y‘mZr ny§Or - 15,049.93

àñVm{dV bm^m§e - B{¹$Q>r ny§Or - 26,114.42

~r‘m Ho$ ~Xbo {Z{Y - 200.00

bm^m§e H$a 79.95 6,993.72

Ymam 36(1) (viii) Ho$ A§VJ©V {deof àma{jV 312.70 221.87

VwbZnÌ ‘| bo Om`m J`m eof (107,187.33) 24,136.67





Jw‘mZ qgh {ZXoeH$




gm¡a^ JJ© {ZXoeH$






E’$AmaZ§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS H§$. gZXr boImH$ma

E’$AmaZ§.-004135Eg


E’$AmaZ§. 000561EZ

(grE Ama.Ho$. AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810

H¥$Vo EZ. gaH$ma EÊS H§$. gZXr boImH$ma

E’$AmaZ§. 301075B©

H¥$Vo EZ. Mm¡Yar EÊS H§$. gZXr boImH$ma

E’$AmaZ§. 301032B©

H¥$Vo ~r.EZ.{‘lm EÊS H§$. gZXr boImH$ma

E’$AmaZ§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 20 ‘B©, 2014


60


{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°µ’$ B§{S>`m H$s g§{já g‘o{H$V {dÎmr` {dda{U`m| na {Q>ßn{U`m±

1. V¡`ma H$aZo H$m AmYma :

{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE g§{já g‘o{H$V {dÎmr` {dda{U`m§, BgHo$ ~mX BÝh| g‘o{H$V {dÎmr` {dda{U`m§ Ho$ Zm‘ go g§~mo{YV {H$`m OmEJm. H§$nZr (H|$Ð gaH$ma H$s) Ho$ gm‘mÝ` {Z`‘ 7 E Ed§ ’$m°‘©, 1956 Ed§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam AnZo nÌm§H$ E’$Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 H$s A{YgyMZm Ho$ AZwgaU ‘| ~¢H$, BgH$s AZwf§{J`m| Ed§ Egmo{eEQ²g H$s boIm nar{jV g‘o{H$V {dÎmr` {dda{U`m| Ho$ AmYma na,V¡`ma H$s JB© h¢.

2. ‘hÎdnyU© boIm§H$Z Zr{V`m§ :

g‘o{H$V ImVo V¡̀ ma H$aZo Ho$ AmYma g{hV, ~¢H$ H$s ‘hÎdnyU© boIm§H$Z Zr{V`m±, g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 17 ‘| g{Þ{hV h¡.

3. boIm| Ed§ AÝ` àH$Q>rH$aU go gå~§{YV {Q>ßn{U`m±, g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 ‘| Xr JB© h¢. VWm{n, Ohm± H$ht boIm§H$Z Zr{V`m| ‘| n[adV©Z h¡ `m Omo boImnarjH$m| H$s [anmoQ>m] ‘| n[adV©Z AWdm Ü`mZ AmH${f©V H$aVr h¢, do {Q>ßn{U`m§ Ed§ àH$Q>rH$aU {ZåZ{bpIV n¡am 4, 5 Ed§ 6 ‘| {XE JE h¢.

4. EZnrE H$s dgybr :

{XZm§H$ 01.07.2013 go EZnrE H$s dgy{b`m| H$m g‘m`moOZ nhbo ã`mO H$s ~Om` ‘ybYZ H$s A{Z`{‘VVmAm| ‘| H$aZo gå~ÝYr g‘o{H$V {dÎmr` {ddaUr H$s boIm§H$Z Zr{V g§. 7(~r) ‘| hþE n[adV©Z Ho$ H$maU, df© ‘| ã`mO Am` Ed§ F$U H$‘ h¡ VWm hm{Z ` 223.50 H$amo‹S> go A{YH$ h¡.

^maVr` [aµOd© ~¢H$ Ho$ n[anÌ g§.^m[a~¢/2013-14/502, {XZm§H$ 26.02.2014 Ho$ AmbmoH$ ‘|, EZ~rdr go A{YH$ ‘yë` na EggrAmagr H$mo {~H«$s Ho$ ‘m‘bo ‘|, ` 77 H$amo‹S> H$s ZH$X dgybr Ho$ Vwë¶ àmdYmZ Am{YŠ` H$mo bm^-hm{Z ImVo ‘| S>mbm J`m h¡, Omo dÎm©‘mZ boIm§H$Z Zr{V Ho$ AZwgma àmdYmZ Am{YŠ` ‘| aIm OmEJm. BgH$m n[aUm‘ ¶h ahm {H$ df© H$m bm^ ` 77 H$amo‹S> go A{YH$ Ed§ àmdYmZ Bgr AZwnmV ‘| H$‘ ahm.

5. ^maVr` [aOd© ~¢H$ Ûmam Omar n[anÌ g§»`m S>r~rAmoS>r g§. ~rnr.~rgr.80/21.04.018/2010-11, {XZm§H$ 09.02.2011 Ho$ AZwgaU ‘| ~¢H$ Zo nyd© ‘| n|eZ H$m {dH$ën Zht boZo dmbo dÎm©‘mZ H$‘©Mm[a`m| H$mo n|eZ H$m {dH$ën {’$a go XoZo VWm J«oÀ`yQ>r gr‘m ‘| d¥{Õ Ho$ H$maU CËnÞ A{V[aº$ Xo`VmAm| H$mo {XZm§H$ 31 ‘mM©, 2011 H$mo g‘má {dÎmr` df© go AJbo nm§M dfm] H$s Ad{Y ‘| n[aemo{YV H$aZo H$m {dH$ën MwZm h¡. VXZwgma, {XZm§H$ 01 Aà¡b, 2013 H$mo An[aemo{YV am{e`m| ‘| go ~¢H$ Zo 31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE n|eZ hoVw ` 239.99 H$amo‹S> Ed§ J«oÀ`yQ>r Ho$ {bE 55.40 H$amo‹S> H$s AmZwnm{VH$ am{e n[aemo{YV H$s. ^{dî` ‘| n|eZ Ho$ {bE ` 239.98 H$amo‹S> VWm J«oÀ`yQ>r Ho$ {bE ` 55.40 H$amo‹S> H$s eof am{e n[aemo{YV H$s OmEJr.

6. ^maVr` [aµOd© ~¢H$ Ho$ n[anÌ g§. S>r~rAmoS>r. g§.~rnr.~rgr.77/21.04.018/2013-14, {XZm§H$ 20 {Xg§~a, 2013 Ho$ AZwê$n g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 Ho$ ZmoQ> g§.5.4 (Or), Omo {XZm§H$ 31 ‘mM©, 2013 H$mo Am` H$a A{Y{Z`‘, 1961 H$s Ymam 36(1)(viii) Ho$ A§VJ©V {deof àmajr na AmñW{JV H$a Xo`VmAm| Ho$ g¥OZ na hþE ì`` Ho$ boIm§H$Z ì`dhma H$mo n[a^m{fV H$aVr h¡.

7. Egmo{eEQ²g `Wm-B§S>mo-Ompå~`m ~¢H$ H$m boIm df© H¡$boÊS>a df© h¡.

(g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 17 H$m ZmoQ> g.3.1 S>r)





Jw‘mZ qgh {ZXoeH$




gm¡a^ JJ© {ZXoeH$


61






E’$AmaZ§. 000131EZ


E’$AmaZ§.-004135Eg


E’$AmaZ§. 000561EZ


gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$AmaZ§. 301075B©


E’$AmaZ§. 301032B©


E’$AmaZ§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 20 ‘B©, 2014

62


{XZm§H$ 31 ‘mM©, 2014 H$mo g‘má df© H$s g‘o{H$V ZH$X àdmh {ddaUr

(H$amo‹S> `)

H«$.g§. {ddaU 31- 03- 2014 31-03-2013

E n[aMmbZ J{V{d{Y`m| go ZH$X àdmh

H$a nyd© ewÕ bm^ (975.67) 1,341.59I g‘m`moOZ hoVw :

AMb AmpñV`m| na ‘yë`õmg 208.81 184.67

{Zdoem| na ‘yë`õmg (n[an¹$ {S>~|Mam| g{hV) 256.56 (162.25)

An{bpIV AemoÜ` F$U/J¡a {Zînm{XV AmpñV`m| ‘| àmdYmZ 3,291.16 1,358.27

‘mZH$ AmpñV`m| /{Z~m©{YV Ho$ {bE àmdYmZ 690.10 663.70

AÝ` ‘Xm| (ewÕ) Ho$ {bE àmdYmZ (5.62) 5.85

Am`H$a na ã`mO (10.87) 80.77

AMb AmpñV`m| (ewÕ) H$s {~H«$s na bm^/hm{Z 1.19 0.65

Jm¡U F$U na ã`mO Ho$ {bE ^wJVmZ/àmdYmZ 642.26 582.86

{Zdoem| Ho$ ‘moMZ na hm{Z 0.01 -

OoEZdmB© Hy$nZ na ã`mO 5.17 -

Cn `moJ 4,103.10 4,056.11II g‘m`moOZ hoVw

O‘m ‘| d¥{Õ/ (H$‘r) 14,125.44 29,983.75

CYmam| ‘| d¥{Õ/H$‘r 3,741.26 5,476.69

AÝ` Xo`VmAm| Ed§ àmdYmZm| ‘| d¥{Õ/H$‘r 2,760.79 (38.50)

A{J«‘m| ‘| (d¥{Õ)/H$‘r (9,429.83) (26,625.83)

{Zdoem| ‘| (d¥{Õ)/H$‘r (13,778.82) (13,188.54)

AÝ` AmpñV`m| ‘| (d¥{Õ)/H$‘r (3,301.86) (120.04)

àË`j H$am| H$m ^wJVmZ (dmngr H$m ewÕ Am{X ) (709.80) (638.99)

n[aMmbZ J{V{d{Y`m| go ewÕ ZH$X(E) (6,592.82) (5,151.45)

n[aMmbZ J{V{d{Y`m| go ZH$X ewÕ àdmh (2,489.72) (1,095.35)

~r {Zdoe J{V{d{Y`m| go ZH$X àdmh

AMb AmpñV`m| H$s {~H«$s/{ZnQ>mZ 49.51 43.37

AMb AmpñV`m| H$s IarX (405.14) (469.67)

AmaAma~r ‘| {Zdoe (13.41)

{Zdoe J{V{d{Y`m| go ewÕ ZH$X àdmh (369.04) (426.30)

63


(H$amo‹S> `)

H«$.g§. {ddaU 31- 03- 2014 31-03-2013

gr {dÎmnmo{fV J{V{d{Y`m| go ZH$X àdmh

eo`a ny§Or 1,801.90 2,406.00

BpŠd{Q> eo`g© na bm^m§e- A§V[a‘ bm^m§e g{hV (1.22) (275.82)

bm^m§e H$a (0.65) (44.45)

OoEZdmB© ñd¡n Hy$nZ na ã`mO (5.17) (6.66)

Jm¡U H$O© na ã`mO (642.26) (582.86)

{dÎmnmo{fV J{V{d{Y`m| go ewÕ ZH$X àdmh 1,152.60 1,496.21

S>r ZH$X Ed§ ZH$X Vwë` (E+~r+gr ) `m ( E’$$-B©) ‘| ewÕ d¥{Õ (1,706.16) (25.44)

B© df© Ho$ àma§^ na ZH$X VWm ZH$X Vwë`

ZH$X Ed§ ^m[a~¢ Ho$ gmW eof 13,560.17 13,114.25

~¢H$ ‘| VWm ‘m§J na YZ Ed§ Aën gyMZm ‘| eof 532.31 1,012.42

df© Ho$ àma§^ na ewÕ ZH$X VWm ZH$X g‘H$j 14,092.48 14,126.67

E’$$ df© H$s g‘m{á na ZH$X Ed§ ZH$X g‘H$j

ZH$X Ed§ ^m[a~¢ Ho$ gmW eof 11,926.63 13,560.17

~¢H$ Ed§ ‘m§J na YZam{e VWm Aën gyMZm ‘| eof 459.69 532.31

df© Ho$ A§V ‘| ewÕ ZH$X VWm ZH$X g‘H$j 12,386.32 14,092.48





Jw‘mZ qgh {ZXoeH$




gm¡a^ JJ© {ZXoeH$






64



E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ

(gr E Ama Ho$ AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510


gXñ`Vm g§. 023488


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 301032B©


E’$.Ama.Z§. 321095B©


gXñ`Vm g§. 012940


gXñ`Vm g§. 050708


gXñ`Vm g§. 061619

ñWmZ : ‘wå~B©{XZm§H$ : 20 ‘B©, 2014


65


goÝQ´b ~¢H$ Am°’$ B§{S>`màYmZ H$m`m©b`… MÝXa‘wIr, Zar‘Z nm±BªQ>, ‘w§~B© 400 021

’$m°‘© ~ràm°Šgr ’$m°‘©

(eoàYmaH$ Ûmam âm Ed§ hñVmj[aV {H$`m OmE)

7dt dm{f©H$ gm‘mÝ` ~¡R>H$

nÞm g§. `m S>rnr AmB©S>r/J«mhH$ AmB©S>r

eoàm| H$s g§»`m

‘¢/h‘ {Zdmgr {Obm ,

amÁ` , goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$/ H$s eoàYmaH$ H$s h¡{g`V go

lr/gwlr {Zdmgr {Obm ,

amÁ` , H$mo AWdm CgH$s AZwnpñW{V ‘| lr/gwlr

{Zdmgr {Obm , amÁ` , H$mo gmo‘dma, 30 OyZ, 2014 nydm©• 11.00 ~Oo, ñWmZ… ga gmoam~Or nmoMImZmdmbm ~¢H$g© QóqZJ H$m°boO, Hy$na AñnVmb/[abm`§g EZOu H$m`m©b` Ho$ nmg, OodrnrS>r ñH$s‘ {dbonmb} (n{ü‘), ‘w§~B© - 400 056 ‘| goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ eoàYmaH$m| H$s Am`mo{OV hmoZo dmbr 7dt dm{f©H$ gm‘mÝ` ~¡R>H$ ‘| ‘oao/h‘mao {bE Am¡a ‘oar/h‘mar Amoa go ‘V XoZo Ho$ {bE {Z`wŠV H$aVm/H$aVr hÿ§/H$aVo h¢.

VmarI ‘mh df© 2014 H$mo `h hñVmj[aV {H$`m J`m.

àm°Šgr Ho$ hñVmja

àW‘/EH$b eoàYmaH$ Ho$ hñVmja

Zm‘ (ñnï> Ajam| ‘|)

nVm

H¥$n¶m aodoÝ¶y ñQ>¡n {MnH$mE§

66


àm°Šgr ’$m°‘© H$mo hñVmj[aV Ed§ àñVwV H$aZo hoVw AZwXoe

1. àm°Šgr H$m H$moB© ^r ànÌ V~ VH$ d¡Y Zht hmoJm, O~ VH$ {H$;

(E) d¡`{º$H$ eoàYmaH$ H$s pñW{V ‘|, `h CgHo$ ñd`§ Ho$ `m CgHo$ Ûmam {bpIV ‘| {d{YdV àm{YH¥$V {H$E JE AQ>mZu Ûmam hñVmj[aV

Z hmo.

(~r) g§`wº$ YmaH$m| H$s pñW{V ‘|, `h a{OñQ>a na {bIo hþE àW‘ Zm‘ dmbo eoàYmaH$ Ûmam ñd`§ `m {bpIV ‘| {d{YdV àm{YH¥$V AQ>mZu

Ûmam hñVmj[aV Z hmo.

(gr) H$m°nm}aoQ> {ZH$m` H$s pñW{V ‘|, `h CgHo$ A{YH$mar `m {bpIV ‘| {d{YdV àm{YH¥$V AQ>mZu Ûmam hñVmj[aV Z hmo.

2. Eogo eoàYmaH$ Omo {H$gr ^r H$maU go AnZm Zm‘ {bIZo ‘| Ag‘W© hmo, CZHo$ àm°Šgr ’$m‘© n`m©á ê$n go hñVmj[aV ‘mZo OmE§Jo `{X

CZ ànÌm| na CZHo$ A§JyR>o H$s N>mn bJr hmo Ed§ {Ogo Ý`m`mYre, ‘¡{OñQóQ>, Aí`moa|g Ho$ a{OñQ´ma `m g~-a{OñQ´ma `m gaH$mar amOn{ÌV

A{YH$mar `m goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ A{YH$mar Ûmam gmú`m§{H$V {H$`m J`m hmo.

3. H$moB© ^r àm°Šgr V~ VH$ d¡Ú Zht ‘mZr OmEJr O~ VH$ {H$ dh {d{YdV ñQ>¡pånV Zht h¡ Am¡a Cgo ~¢H$ Ho$ MÝXa‘wIr, Zar‘Z nm°B§Q>,

‘w§~B© 400021 pñWV àYmZ H$m`m©b` ‘| ~¡R>H$ H$s V` VmarI go H$‘ go H$‘ 4 {XZ nyd© AWm©V 25 OyZ, 2014 H$mo gm`§: 5.00 ~Oo go

nyd© ‘w»VmaZm‘m (nm°da Am°’$ AQ>mZu) `m AÝ` àm{YH$ma, (`{X H$moB© h¡), {OgHo$ A§VJ©V `h hñVmj[aV H$s JB© hmo `m ZmoQ>ar npãbH$ `m

‘¡{OñQóQ> Ûmam à‘m{UV ‘w»VmaZm‘m (nm°da Am°’$ AQ>mZu) `m àm{YH$ma H$s à{V Ho$ gmW àñVwV Z H$a {X`m OmE.

4. ~¢H$ ‘| O‘m {H$`m J`m àm°Šgr H$m ànÌ An[adV©Zr` VWm A§{V‘ hmoJm.

5. àm°Šgr H$m ànÌ `{X {dH$ën Ho$ gmW Xmo bmoJm| Ho$ nj ‘| {X`m J`m h¡ Vmo Ho$db EH$ hr ànÌ {Zînm{XV {H$`m OmEJm.

6. {Og eoàYmaH$ Zo àm°Šgr H$m {bIV {Zînm{XV H$a {X`m hmo, dh Cg ~¡R>H$ ‘| ñd`§ ‘VXmZ hoVw nmÌ Zht hmoJm, {OgHo$ {bE {bIV {Zînm{XV

{H$`m J`m hmo.

7. ~¢H$ Ho$ A{YH$mar `m H$‘©Mmar H$mo {d{YdV àm{YH¥$V à{V{Z{Y `m àm°Šgr Ho$ ê$n ‘| {Z`wº$ Zht {H$`m Om gH$Vm.

8. àm°Šgr ’$m‘© H$s g^r H$m§Q>-N>m§Q>m| na {ZînmXZH$Vm© Ûmam AnZo bKw hñVmja {H$E OmZo Mm{hE.

9. àm°Šgr H$m ànÌ ’$m‘© ~r ‘| Z hmoZo na d¡Ú ‘mZm Zht OmEJm.

67

Abridged Annual Report 2013-14

Dear Shareholder,

The Financial Year 2013-14 has been a year of consolidation for the Bank. Growth has been moderated to align it with the market scenario. The Bank strategized its focus on business segments like Agriculture, SME & Retail Advances, which has started yielding results during the year.

The world economy experienced subdued growth for a second year in 2013-14. The International Monetary Fund (IMF) has estimated that the global economy is expected to grow at a pace of 3.6 per cent in 2014 and 3.9 per cent in 2015, compared to an estimated growth of 3.0 per cent for 2013. India’s economic performance has been weaker than expected, resulting in a downward revision of the country’s growth forecast for FY 2013–2014. Slower growth, high inflation, and rising fiscal deficit are posing significant challenges to the economy. As per the Advance Estimates of the Central Statistical Organisation (CSO), India’s GDP growth is estimated to be at 4.9 % in FY 2013-14 as compared to 5.0 % growth registered in 2012-13.

The annual rate of inflation, based on monthly WPI, stood at 5.70% for the month of March, 2014(over March 2013) as compared to 4.68% for the previous month and 5.65% during the corresponding month of the previous year. The RBI monetary stance during the year reflected a calibrated approach to balance growth and inflation dynamics. The overall liquidity position during the year remained tight. Apart from it, the rupee during the year witnessed high volatility and depreciated against US$ as compared to the previous year.

The asset quality of banks has been deteriorating for the past two years as economic growth slipped to its lowest level in a decade while inflation and interest rates remained high. Gross bad loans have spiked to nearly four per cent of total lending from 2.36 per cent three years ago.

Despite all these odds, business of the Bank increased to Rs 4,23,390 crore from Rs 4,02,272 crore in Financial Year 2012-13 registering a growth of 5.25%. The Deposit and Credit growth of the Bank stood at 6.21% and 4.02% respectively. The CASA share as a percentage of Total Deposits stood at 33.33% as against 32.55% in Financial Year 2012-13. To ensure profitable growth in Business, High Cost Deposits have been shed considerably. The share of high cost deposits as a proportion of Total deposits has been reduced to 21.84% as on Mar-2014 from as high as 24.37% as on March-2013. This is well reflected in growth of Aggregate Core Deposits at 9.48 %.

The operating profit of the Bank increased to Rs 3238 crore from Rs 3173 crore in Financial Year 2012-13 registering a growth of 2.05% whereas the Net profit of the Bank decreased to Rs (1263) crore from Rs 1015 crore in Financial Year 2012-13 due to higher provisions on Non Performing Assets.

The Bank’s Cost of Deposits reduced to 7.24% from 7.42% in Financial Year 2012-13, the Net Interest Income of the Bank increased to Rs 6493 crore from Rs 5738 crore in Financial Year 2012-13 registering a growth of 13.16%. The Other Income or Fee – based Income of the Bank has increased to Rs 1923 crore from Rs 1667 crore in Financial Year 2012-13 registering a growth of 15.35%.

CHAIRMAN AND MANAGING DIRECTOR’s MESSAGE

68


Asset Quality has been the concern of the Bank for last couple of years. The percentage of Gross NPA to Gross Advances increased to 6.27% from 4.80% in Financial Year 2012-13 and percentage of Net NPA to Net Advances increased to 3.75% from 2.90% in Financial Year 2012-13. This is on account of stress in some sectors like Infrastructure, Textiles, Iron & Steel, Engineering & Manufacturing, Gems & Jwellery etc. Your Bank has been proactive in respect of NPA Management and shall continue its effort to contain the percentage Gross NPA below 5.5% and Net NPA below 3.00% for Financial Year 2014-15.

The Bank is fully engaged in inclusive growth through various Financial Inclusion initiatives to reach ‘the last mile’ of economy. The Direct Benefit Transfer (DBT) programme of the government is being implemented in various districts out of which we are lead bank in eight districts .Further progress in these districts and in new districts will be made during the FY-2014-15. This programme paves the way for the Bank to canvass more CASA Deposits and also for Credit Expansion.

A Bank with 4573 branches as on March 2014, of which 2/3 rd of the Branches are in rural and semi urban areas and 3677 Ultra Small Branches shall continue to position itself as a Retail Bank. Your Bank shall be ensuring that the retail and priority sector portfolios grow much faster than they have been so far.

During the year, Government of India has awarded the second ranked “National Award for Excellence in MSME Lending” for the year 2012-13. Bank was conferred ‘HR AWARD’ for ‘Training Excellence’ (Gold Award) by Greentech Foundation, Bank received second award in the category: Public – Service Sector (Large) for ‘Excellence in Cost Management’ by Institute of Cost Accountants of India. Bank was conferred ‘BEST FINANCIAL ADVISOR AWARD UNDER PSU CATEGORY’ by CNBC TV & UTI Mutual Fund and also received ‘Greentech Safety Award – 2013’. During BANCON 2013, Bank won Special Mention Award under the category ‘Most Innovative Broad-based Product Offering’. Bank has received Banking Excellence Awards in two categories viz. 1) ECO– Technology Award – Runner Up and 2) Jury Award for New Initiatives in a glittering function organized by Chamber of Indian Micro Small & Medium Enterprises. These accolades reflect how your Bank’s efforts and initiatives are being perceived by one and all.

I am happy to present the Annual Report of the Bank for the year ended 31st March 2014.

With best wishes,

Yours sincerely,

Sd/- Rajeev Rishi

Place : Mumbai Date : May 20, 2014

69


NOTICENotice is hereby given that the Seventh Annual General Meeting of the shareholders of Central Bank of India will be held on Monday, 30th June, 2014 at 11.00 A.M. at Sir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital/Reliance Energy Office, JVPD Scheme, Vile Parle (west), Mumbai, 400056 to transact the following business :To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2014, Profit and Loss Account of the Bank for the year ended 31st March 2014, the report of the Board of Directors on the working and activities of the Bank for the period covered by the accounts and the Auditors’ report on the Balance Sheet and Accounts.

BY ORDER OF THE BOARD OF DIRECTORS

Sd/- Place: Mumbai A K DASDate: 20.05.2014 Assistant General Manager-MBD/ Company Secretary

NOTES:1. APPOINTMENT OF PROXY: A SHAREHOLDER ELIGIBLE TO ATTEND AND VOTE, IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE

INSTEAD OF HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK. The instrument appointing proxy should, however be deposited at the Head Office of the Bank situated at Chandermukhi,

Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on or before 5.00 PM on 25th June, 2014.

2. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE: No person shall be entitled to attend or vote at any meeting of the shareholders of Central Bank of India as the duly

authorized representative of a company unless a copy of the resolution appointing him as a duly authorized representative, certified to be a true copy by the chairman of the meeting at which it was passed, has been deposited at the Head Office of the Bank situated at Chandermukhi, Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e., on or before 5.00 PM on 25th June, 2014.

3. NoofficeroremployeeoftheBankshallbeappointedasAuthorisedRepresentativeorproxyofashareholder.4. ATTENDANCE SLIP-CUM-ENTRY PASS: For the convenience of the shareholders, attendance slip-cum-entry pass is enclosed with this notice. Shareholders/proxy

holders/representatives are requested to affix their signature at the space provided therein and surrender the same at the venue. Proxy holders / representatives should state on the attendance slip-cum-entry pass as “proxy or representative” as the case may be and should have proof of their identity by getting their signature attested by the shareholder.

5. CLOSURE OF REGISTER OF SHAREHOLDERS: The Register of Shareholders and Share Transfer Books of the Bank will remain closed from 25th June, 2014 (Wednesday)

to 30th June, 2014 (Monday) (both days inclusive).6. VOTING RIGHTS In terms of the provisions of Section 3(2E) of the Act, no shareholder of the corresponding new Bank, other than the

Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of ten per cent of the total voting rights of all the shareholders of the Bank.

Subject to the above, as per Regulation 68, each shareholder who has been registered as a shareholder shall have one vote on show of hands and in case of a poll shall have one vote for each share held by him.

7. EXERCISE OF RIGHTS OF JOINT HOLDERS As per Regulation 10 of the Regulations, if any share stands in the names of two or more persons, the person first named

in the register shall, as regards voting, be deemed to be the sole holder thereof. Hence if shares are in the name of joint holders, then first named person is only entitled to attend the meeting and is only eligible to vote (by poll or by show of hands) in the meeting.

8. Shareholders are requested to bring their copies of the Annual Report to the Meeting.9.1 Intimation to shareholders holding shares in physical form: As you may be aware that the shares cannot be traded in physical form and in order to impart liquidity to the shareholders,

70


we request you to convert your shares into Dematerialised form. You may convert your shares into Demat by opening an Account with the nearest bank’s branch providing Demat Service. The list of branches providing Demat services is available on website of the Bank. There are various advantages associated with converting your shareholding in Demat form viz. avoidance of loss, bad deliveries, faster settlements, paperless trading, etc. Further, intimations regarding change of address, bank mandate, nomination and request for transaction are required to be given only at one place i.e. with the branch where you open your Demat Account even if you hold shares of more than one Company/entity. However, if you are still interested in holding the shares in physical form and not opting for demat, please provide us

with the following Bank details to enable us to credit your Account with the dividend (as and when declared) directly. Name of the Bank Address of the Branch Bank Account Number 9 digit MICR code of the branch IFSC code of the Branch(preferably, send us a cancelled cheque/ copy of a cheque leaf).Please note that the bank Account should be in the name of the 1st holder of shares.

9.2 Intimation to shareholders holding shares in dematerialised form: It is our constant endeavor to provide the best services to our valued shareholders. We observe that there are some

shareholders who are holding shares in demat form but have not registered/updated their Bank account details with their Depository Participants (DPs) for getting Dividend amount directly credited to their Bank accounts. Accordingly, Dividend declared earlier, was paid to them by sending Dividend Warrant (DW) to the address maintained by them with Depositories.

It is worth noting that if such shareholders had registered / updated their Bank Account particulars with their DPs, the Dividend Amount would have been credited directly to their bank account thus, ensuring faster receipt of Dividend right on due date, saving time spent on receiving dividend warrant by post, no requirement for visiting bank for depositing the Dividend Warrant, non-apprehension of loss / theft of dividend warrant in transit or the likelihood of fraudulent encashment thereof.

We accordingly suggest these shareholders to register/ update their Bank Account details i.e. Bank Name, Branch Address, Account No., Account Type, Nine Digit MICR Code Number as appearing on cheque issued by their banks, with their Depository Participant with whom they are maintaining their Demat Account, to facilitate credit of dividend amount (as and when declared) directly to their Bank accounts right on due date. In addition to this, they may also send directly to the Bank or its RTA namely, Link Intime India Pvt. Limited abovesaid bank details with mandate to credit all future dividend amounts, refund amounts or other remittances, if any, to their bank accounts instead of sending any Dividend warrant, cheque, Demand Draft , etc.

10. UNCLAIMED DIVIDEND, IF ANY The shareholders who have not encashed their Dividend Warrants / or have not received dividend for any of the previous

years are requested to contact the Registrar and Share Transfer Agent or the Bank for arranging payment thereof directly to their Bank A/c or for issue of duplicate dividend warrant/Demand Draft.

As per Section 10B of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the amount of dividend remaining unpaid or unclaimed for a period of seven years from the date of transfer to the Unpaid Dividend Account is required to be transferred to the Investor Education and Protection Fund (IEPF) established by the Central Government under Section 205C of The Companies Act, 1956 and thereafter no claim for payment shall lie in respect thereof either to the Bank or to the IEPF.

11. Voting through electronic meansI. In compliance with clause 35B of the Listing Agreement entered into with the Stock Exchanges read with Rule 20 of

the Companies (Management and Administration) Rules, 2014, the Bank is pleased to offer e-voting facility as an alternative mode of voting which will enable the Members to cast their votes electronically. Necessary arrangements have been made by the Bank with Central Depository Services (India) Limited (CDSL) to facilitate e-voting.

The process and instructions for e-voting are as under :i) Open your web browser during the voting period and log on to the e-voting website www.evotingindia.comii) Now click on “Shareholders” to cast your votesiii) Now, select the Electronic Voting Sequence Number – “EVSN” along with “CENTRAL BANK OF INDIA” from the

drop down menu and click on ‘SUBMIT”iv) Now, fill up the following details in the appropriate boxes:

71


User-ID For Members holding shares in Demat Form:-a) For NSDL :- 8 Characters DP ID followed by 8 Digits Client IDb) For CDSL :- 16 digits beneficiary IDFor Members holding shares in Physical Form:-• Folio Number registered with the Bank

Password Your Unique password is printed on the Attendance Slip-cum-Entry Pass annexed to this Notice

PAN * Enter your 10 digit alphanumeric PAN No. issued by Income Tax Department.

* Members who have not updated their PAN with the Bank/Depository Participant are requested to use default number “CBIMB1234B” in the PAN field.

v) After entering these details appropriately, click on “SUBMIT” tab.vi) Members holding shares in Physical form will then reach directly to the voting screen.vii) Members holding shares in Demat form will now reach Password Change menu wherein they are required to

mandatorily change their login password in the new password field. The new password has to be minimum eight characters consisting of atleast one upper case (A-Z), one lower case (a-z), one numeric value (0-9) and a special character (@,#,$,etc). Kindly note that this password is to be also used by the Demat holders for voting for resolution of any other Company/Entity on which they are eligible to vote, provided that Company/Entity opts for e-voting through CDSL platform. It is strongly recommended not to share your password with any other person and take utmost care to keep your password confidential.

viii) You can also update your mobile number and e-mail ID in the user profile details of the folio which may be used for sending communication(s) regarding CDSL e-voting system in future. The same may be used in case the Member forgets the password and the same needs to be reset.

ix) If you are holding shares in Demat form and had logged on to www.evotingindia.com and casted your vote earlier for EVSN of any company/entity, then your existing login id and password are to be used.

x) For members holding shares in physical form, the password and default number can be used only for e-voting on the resolutions contained in this Notice.

xi) On the voting page, you will see Resolution Description and against the same the option ‘YES/NO’ for voting. Enter the number of shares (which represents number of votes) under YES/NO or alternatively you may partially enter any number in YES and partially in NO, but the total number in YES and NO taken together should not exceed your total shareholding.

xii) Click on the Resolution File Link if you wish to view the entire Notice.xiii) After selecting the resolution you have decided to vote on, click on “SUBMIT”. A confirmation box will be displayed.

If you wish to confirm your vote, click on “OK”, else to change your vote, click on “CANCEL” and accordingly modify your vote.

xiv) Once you ‘CONFIRM’ your vote on the resolution, you will not be allowed to modify your vote.xv) Corporate/Institutional members (i.e. other than individuals, HUF, NRI etc.) are required to send scanned copy

(PDF/JPG Format) of the relevant Board Resolution / Authority letter etc. together with attested specimen signature(s) of the duly authorized signatory/(ies) who are authorized to vote, to the Scrutinizer at email ID : [email protected] with a copy marked to [email protected]. The scanned copy image of the above mentioned documents should be in the naming format “Corporate Name-EVSN.”

II. The e-voting period commences on 24th June, 2014 (10:00 am) and ends on 26th June, 2014 (5:00 pm). During this period shareholders of the Bank, holding shares either in physical form or in dematerialized form, as on the cut-off date of 23rd May, 2014, may cast their vote electronically. The e-voting module shall be disabled by CDSL for voting thereafter. Once the vote on a resolution is cast by the shareholder, the shareholder shall not be allowed to change it subsequently. In case you have any queries or issues regarding e-voting, please contact [email protected].

III. The voting rights of shareholders shall be in proportion to their shares of the paid up equity share capital of the Bank as on the cut-off date (record date) of 23rd May, 2014. However, in terms of the provisions of Section 3(2E) of the Banking Companies (Acquisition and Transfer of Undertakings) Act , 1970 no shareholder of the Bank other than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of ten per cent of the total voting rights of all the shareholders of the Bank.

IV. A copy of this notice has been placed on the website of the Bank and the website of CDSL.

72


V. Shri Pramod S. Shah, Practising Company Secretary (Certificate of Practice Number 3804) has been appointed as the Scrutinizer for conducting the e-voting process in a fair and transparent manner.

VI. The Scrutinizer shall within a period not exceeding three (3) working days from the conclusion of the e-voting period unblock the votes in the presence of at least two (2) witnesses not in the employment of the Bank and make a Scrutinizer’s Report of the votes cast in favour or against, if any, forthwith to the Chairman.

VII. The Results declared alongwith the Scrutinizer’s Report shall be placed on the Bank’s website www.centralbankofindia.co.in and on the website of CDSL within two (2) days of passing of the resolution at the AGM of the Bank and communicated to the BSE Limited and National Stock Exchange Limited.

BY ORDER OF THE BOARD OF DIRECTORS

Sd/- Place: Mumbai A K DASDate: 20.05.2014 Assistant General Manager-MBD/ Company Secretary

73


TOTAL BUSINESS(` IN CRORES)

PARAMETERS MAR.07 MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14

Total Business 1,36,265 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390

YoY Growth 35.48 % 18.10 % 23.49 % 15.43 % 11.63 % 15.96 % 5.25 %

Total Deposits 82,776 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069

YoY Growth 33.28 % 18.99 % 23.49 % 10.64 % 9.38 % 15.22 % 6.21 %

Total Loans & Advances 53,489 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321

YoY Growth 38.88 % 16.76 % 23.49 % 22.67 % 14.70 % 16.92 % 4.02 %

Investments 29,037 32,646 44,445 52,008 54,847 59,577 72,662 86,384

YoY Growth 12.43 % 36.14 % 17.02 % 5.46 % 8.62 % 21.96 % 18.88 %

CD Ratio 64.62 % 67.34 % 66.08 % 66.08 % 73.27 % 76.83 % 77.97 % 76.36 %

Return on Assets 0.62 % 0.54 % 0.45 % 0.66 % 0.70 % 0.26 % 0.44 % (0.47 %)

PROFITABILITY(` IN CRORES)

PARAMETERS MAR.07 MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14

Gross Income 6,710 8,787 11,525 13,799 16,486 20,545 23,528 26,350

YoY Growth 30.94 % 31.17 % 19.73 % 19.47 % 24.62 % 14.52 % 11.99 %

Gross Expenses 5,444 7,518 10,088 11,741 13,895 17,730 20,355 23,112

YoY Growth 38.10 % 34.18 % 16.38 % 18.35 % 27.60 % 14.81 % 13.54 %

Operating Profit 1,266 1,268 1,437 2,058 2,591 2,815 3,173 3,238

YoY Growth 0.20 % 13.28 % 43.24 % 25.90 % 8.65 % 12.72 % 2.05 %

Net Profit 498 550 571 1,059 1,252 533 1,015 (1,263)

YoY Growth 10.47 % 3.83 % 85.36 % 18.24 % (57.43 %) 90.43 % (224.43 %)

NIM (%) 3.28 2.53 1.97 1.86 3.31 2.78 2.65 2.73

Net Interest Income 2,474 2,223 2,228 2,545 5,326 5,169 5,738 6,493

YoY Growth (10.16 %) 0.22 % 14.23 % 109.27 % (2.95 %) 11.01 % 13.16 %

Non Interest Income 476 791 1,070 1,735 1,265 1,395 1,667 1,923

YoY Growth 66.31 % 35.26 % 62.15 % (27.09 %) 10.28 % 19.50 % 15.35 %

74


DIRECTORS’ REPORT 2013-14

Your Directors have pleasure in presenting the Annual Report of the Bank along with the Audited statement of Accounts, the Profit and Loss accounts and the cash flow statement for the year ended March 31, 2014.

1. PERFORMANCE HIGHLIGHTS

Total Business of the Bank increased by ̀ 21118 crore to ̀ 423390 crore from ̀ 402272 crore in previous year, registering y-o-y growth of 5.25 per cent.

Total Deposits increased by `14031 crore to ` 240069 crore, registering y-o-y growth of 6.21 per cent.

Total Advances of the Bank grew by ` 7087 crore to ` 183321 crore, registering y-o-y growth of 4.02 per cent.

Operating Profit increased to ` 3238 crore from ` 3173 crore in FY 2012-13, registering y-o-y growth of 2.05 per cent. However, the Bank incurred Net Loss of ̀ 1263 Crore in the financial year ended 31st March, 2014 due to higher provisions on NPAs.

Capital Adequacy Ratio (as per Basel-II) stood at 11.96 per cent with Tier I at 8.12 percent as against 11.49 per cent in previous year. Capital Adequacy Ratio ( as per Basel III) stood at 9.87 per cent with Tier I at 7.37 percent

Net worth increased to ` 13918 crore from ` 13443 crore.

Gross NPA of the Bank increased by ` 3044 crore to ` 11500 crore from ` 8456 crore in previous year. In percentage term Gross NPA increased to 6.27 per cent in FY 2013-14 from 4.80 per cent in last year.

Net NPA increased to ̀ 6649 crore from ̀ 4988 crore in previous year. Net NPA percentage increased to 3.75 per cent from 2.90 per cent in previous year.

Provision Coverage Ratio (PCR) increased to 50.68 per cent from 47.75 per cent in March 2013.

Net Interest Margin (NIM) improved to 2.73 per cent from 2.65 per cent in FY 2012-13.

Business per Employee reduced to ` 1025 lakh from ` 1067 lakh in previous year.

Return on Assets (ROA) is negative for the financial year 2013-14 as the Bank incurred losses.

Credit to Priority Sector increased to ` 68648 crore from ` 51259 crore in previous year, recording y-o-y growth of 33.92 per cent.

Agriculture Advance of the Bank increased to ` 35382 crore from ` 24658 crore in FY 2012-13 registering y-o-y growth of 43.49 per cent.

Under the micro credit & other (credit upto ` 50,000 per borrower), Bank has extended credit of ` 261 crore.

Advances to Micro & Small Enterprises (MSE) increased to ̀ 21515 crore during the year under review from ̀ 17300 crore in previous year.

During the year 65939 new Self Help Groups (SHGs) were formed, out of which 60278 SHGs have been credit-linked.

Under the Government Sponsored Programmes, Bank has provided assistance to 31658 NRLM/SGSY beneficiaries, 13195 SJSRY beneficiaries & 7474 PMEGP borrowers during the year 2013-14.

Bank has extended loan of ` 20953 crore to the borrowers belonging to the weaker section of the society.

Education Loan grew by 16.09 per cent during the year and the total loan reached to ` 2980 crore.

Bank has established 46 Rural Self Employment and Training Institute (RSETI) across India. During the year 2013-14, the RSETIs conducted 677 training programmes and imparted training to 18837 candidates. Out of this, 10550 (56%) trainees were linked to Bank’s credit.

At the beginning of the year, the Bank had 5 sponsored Regional Rural Banks (RRBs) covering 54 Districts with a network of 1799 Branches, out of which 2 RRBs were merged with other RRBs, sponsored by other Banks. As a result now we have 3 RRBs as on 31st March, 2014 in 3 States covering 46 Districts with a network of 1609 Branches.

Under Financial Inclusion Bank has covered 4330 villages with population above 2000 and 6743 villages with population below 2000. Bank has covered all these villages through 5588 BC Agents. Bank has opened all its 3677 Ultra Small Branches. Bank has opened 92.27 lac Basic Saving Bank Deposit Accounts through BCs and Branches upto 31st March, 2014.

The corporate credit of the Bank decreased to ` 97613 crore from ` 112067 crore in previous year registering y-o-y reduction of 12.90%.

The retail credit grew by 29.73% from ` 22209 crore in FY 2012-13 to ` 28811 crore in FY 2013-14.

75


Total earning from Bancassurance business is ` 26.65 crore with y-o-y growth of 8%.

As on 31st March 2014, Bank has a network of 4573 branches, 29 Satellite Offices & 4 Extension Counters across the country.

Bank has installed 3628 ATMs till 31st March 2014.

2. INCOME & EXPENDITURE

Details of income and expenditure for the period 2013-14 are given hereunder:

` In Crores

31.03.2014 31.03.2013 Variation %1 INTEREST INCOME 24427 21861 2566 11.74

-Advances 18620 16922 1698 10.03

-Investments 5764 4779 985 20.61

-Others 43 160 (117) (73.13)

2 OTHER INCOME 1923 1667 256 15.36

3 TOTAL INCOME (1+2) 26350 23528 2822 11.99

4 INTEREST EXPENDED 17933 16123 1810 11.23

-Deposits 16374 14940 1434 9.60

-Others 1559 1183 376 31.78

5 OPERATING EXPENSES 5179 4232 947 22.38

-Establishment 3537 2891 646 22.35

-others 1642 1341 301 22.45

6 TOTAL EXPENSES (4+5) 23112 20355 2757 13.54

7 SPREAD (1-4) 6494 5738 756 13.18

8 OPERATING PROFIT (3-6) 3238 3173 65 2.05

9 PROVISIONS-NPA/INVST./OTHERS 4233 1853 2380 128.44

10 PROVISIONS FOR TAX 268 305 (37) (12.13)

11 NET PROFIT (1263) 1015 (2278) (224.43)

Interest Income grew by 11.74 per cent during the year

Interest expenses on Deposits increased by 9.60 % to ` 16374 crore in March 2014 from ` 14940 crore in previous year.

Expenses on employees increased by ` 646 crore during the year to ` 3537 crore from ` 2891 crore in previous year, which includes ` 140 crore towards provision for Wage settlement.

3. PROVISIONS

Details of Total Provisions of ` 4501 crore charged to the Profit and Loss Account during the year 2013-14 vis-a-vis previous year are detailed as under:

(` in crore)31.03.2014 31.03.2013 Variation

Provisions for Standard Assets (7) 91 (98)

Provisions for NPAs 3989 1930 2059

Depreciation/Provision on Investments 258 (163) 421

Provisions for Taxes 268 305 (37)

Others (7) (5) (2)

TOTAL 4501 2158 2343

76


4. PROFITABILITY RATIO

(In percentage)

31.03.2014 31.03.2013Cost of Deposits 7.24 7.42

Cost of Funds 7.37 7.53

Yield on Advances 10.79 11.14

Yield on Investments 7.84 7.61

Net Interest Margin 2.73 2.65

Cost Income Ratio 61.53 57.16

The yield on advances was 10.79 per cent in 2013-14 and yield on investments was 7.84 per cent against 7.60 per cent in 2012-13.

Net Interest Margin increased to 2.73 per cent from 2.65 per cent in previous year.

Cost to Income Ratio increased from 57.16 per cent in 2013 to 61.53 per cent in the year under review.

5. BANKING RATIOS

(In percentage)

2013-14 2012-13Interest Income to Average Working Fund (AWF) 9.18 9.46

Non-Interest Income to AWF 0.72 0.72

Operating Profit to AWF 1.22 1.37

Return on Average Assets -- 0.44

Business Per Employee (` in lakh) 1025 1067

Net Profit per Employee (` in lakh) -- 2.83

6. CAPITAL TO RISK WEIGHTED ASSETS RATIO (CRAR)

The components of Capital Adequacy Ratio were as under:

31.03.2014 31.03.2013Basel-II Basel-III Basel-II Basel-III

Tier-I 8.12 7.37 8.09 Not ApplicableTier-II 3.84 2.50 3.40 Not ApplicableCapital Adequacy Ratio 11.96 9.87 11.49 Not Applicable

7. NET LOSS

The Bank has incurred loss amounting to `1263 crore during the financial year March 31, 2014. Board of Directors has not recommended any dividend on equity shares and Perpetual Non cumulative Preference Shares due to the net loss incurred by the Bank during the Financial Year ended 31st March, 2014.

8. CHANGES IN THE BOARD DURING THE YEAR

During the year under review, the following changes took place in the Board of Directors of the Bank:

Shri S B Rode was appointed as Officer Employee Director w.e.f 02.04.2013.

Shri Gurbax Kumar Joshi was appointed as Workmen Employee Director w.e.f 10.07.2013.

Dr. K P Krishnan was appointed as Government Nominee Director of the Bank w.e.f 26.07.2013 in place of Shri Alok Tandon who ceased to be the Government Nominee Director on 25.07.2013.

Shri Rajeev Rishi was appointed as Chairman & Managing Director of the Bank w.e.f 01.08.2013 in place of Shri Mohan V Tanksale who ceased to be the Chairman & Managing Director on 31.07.2013.

77


Shri Animesh Chauhan was appointed as Executive Director of the Bank w.e.f 05.08.2013.

Shri Malay Mukherjee ceased to be the Executive Director w.e.f 11.12.2013.

Smt N S Rathnaprabha was appointed Part Time Non-official Director w.e.f 19.12.2013.

Shri B K Divakara was appointed as Executive Director of the Bank w.e.f 23.01.2014.

Dr. Saurabh Garg was appointed as Government Nominee Director of the Bank w.e.f 19.02.2014 in place of Dr. K P Krishnan who ceased to be the Government Nominee Director on 18.02.2014.

Shri Shekhar Bhatnagar was appointed as RBI Nominee Director of the Bank w.e.f 13.03.2014 in place of Shri Salim Gangadharan who ceased to be the RBI Nominee Director on 12.03.2014.

The Board places on record its appreciation of valuable contribution extended by Shri Alok Tandon, Shri M V Tanksale, Shri Malay Mukherjee, Dr. K P Krishnan and Shri Salim Gangadharan who ceased to be the directors of the Bank during Financial Year 2013-14.

9. DIRECTORS’ RESPONSIBILTY STATEMENT

The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 2014;

The applicable accounting standards have been followed along with proper explanation relating to material departure, if any;

The accounting policies framed in accordance with the guidelines of the Reserve Bank of India were consistently applied;

Reasonable and prudent judgement and estimates were made so as to give a true and fair view of the state of affairs of the Bank at the end of the financial year ended March 31,2014;

Proper and sufficient care was taken for the maintenance of adequate accounting records in accordance with the provisions of the applicable laws governing banks in India ; and

The accounts have been prepared on a going concern basis.

10. CORPORATE GOVERNANCE

The Board of the Bank is committed to adapt Corporate Governance practices in letter and spirit. The Bank has adopted well documented system and practice on Corporate Governance.

11. ACKNOWLEDGEMENT

The Board of Directors places on record its gratitude to the Government of India, Reserve Bank of India and the Security Exchange Board of India for their valuable guidance and support. The Board acknowledges with gratitude the unstinted support and faith of its customers and shareholders. The Board wishes to place on record its appreciation of the dedicated services and contribution made by members of staff for the overall performance of the Bank.

For and on behalf of the Board of Directors

Sd/-Place : Mumbai Rajeev RishiDate : May 20, 2014 Chairman & Managing Director

78


MANAGEMENT DISCUSSION AND ANALYSIS

Part A: ECONOMIC SCENARIO

Global Developments The world economy experienced subdued growth for a second year in 2013-14. The euro area has finally ended in a

protracted recession. Growth in the United States strengthened to some extent. A few large emerging economies, includ-ing China and India, managed to backstop the deceleration they experienced in the past two years and veered upwards moderately.

The International Monetary Fund (IMF) has estimated that the global economy is expected to grow at a pace of 3.6 per cent in 2014 and 3.9 per cent in 2015, compared to an estimated growth of 3.0 per cent for 2013. In advanced economies, growth is expected to increase to about 2¼ percent in 2014–15, an improvement of about 1 percentage point compared with 2013.In emerging market and developing economies, the growth is projected to pick up gradually from 4.7 percent in 2013 to about 5 percent in 2014 and 5¼ percent in 2015.

The risks associated with a possible bumpy exit from the quantitative easing programs by the U.S Federal Reserve (Fed) threaten the global economy. As already seen somewhat during the summer of 2013, efforts by the Fed to pull out of quantitative easing programs could lead to a surge in long term interest rates in developed and developing countries. Tapering could also lead to a sell-off in global equity markets, a sharp decline of capital inflows to emerging economies leading to increased fluctuation in Forex Market and depreciation of currencies of emerging economies.

Domestic Economy

1. Gross Domestic Product (GDP) Growth India’s economic performance has been weaker than expected, resulting in a downward revision of the country’s growth

forecast for FY 2013–2014. Slower growth, high inflation, and rising fiscal deficit are posing significant challenges to its troubled economy.

As per the Advance Estimates of the Central Statistical Organisation (CSO), India’s GDP growth is estimated to be at 4.9 % in FY 2013-14 as compared to 5.0 % growth registered in 2012-13.

The ‘agriculture, forestry and fishing’ sector growth is estimated of 4.6 per cent in its GDP during 2013-14, as against the previous year’s growth rate of 1.4 per cent.

The estimated growth in the ‘manufacturing’ ‘mining and quarrying’, ‘electricity, gas and water supply’, and ‘construction’ is estimated to be (-) 0.2 per cent, (-) 1.9 per cent, 6.0 percent and 1.7 per cent, respectively, during 2013-14 as compared to growth of 1.1 percent, (-) 2.2 per cent, 2.3 per cent and 1.1 per cent, respectively, in 2012-13.

The estimated growth in GDP for the Service Sector (trade, hotels, transport and communication sectors) during 2013-14 is placed at 3.5 per cent as against growth of 5.1 percent in the previous year.

2. Developments in Banking Industry

The asset quality of banks has been deteriorating for the past two years as economic growth slipped to its lowest level in a decade while inflation and interest rates remained high. Gross bad loans have spiked to nearly four per cent of total lending from 2.36 per cent three years ago.

RBI has extended the timeline for full implementation of Basel III capital regulations to March 31, 2019. Therefore Banks got some time to raise capital within the internationally agreed timeline for full implementation of the Basel III capital regulations.

The banking system’s restructured assets are at an alarmingly high level of more than six per cent. As per RBI data, the y-o-y deposit growth till March 7 was 15.6% vis-à-vis 13.1% a year before; whereas credit growth was 14.7% vis-à-vis 15.4 % earlier.

RBI has allowed securitisation and reconstruction companies to utilize a part of the funds raised under a scheme from the Qualified Institutional Buyers (QIBs)for restructuring of financial assets acquired by them.

Part B – PERFORMANCE OF THE BANKBUSINESSAs on 31st March 2014, the total business of the Bank was `423390 crore, registering a growth of 5.25 per cent from the previous year figure of `4,02,272 crore. The operating profit reached to `3238 crore from previous year figure of `3173 crore, marking a growth of 2.05 per cent. The Bank has posted net loss of `1263 crore in 2013-14 as against `1015 crore profit in previous year.

79


RESOURCE MOBILISATIONThe total deposits as on March 31, 2014 stood at `240069 crore, registering a growth rate of 6.21 per cent over previous year. Savings bank deposits increased to `66474 crore in 2013-14 from `59090 crore in last year. However current deposits decreased to `13537 crore in 2013-14 from `14491 crore in 2012-13. The share of casa deposits to total deposits was 33.33 per cent. Total core deposits increased to `187164 crore in 2013-14 with y-o-y growth of 9.48 per cent from `170953 crore in 2012-13 whereas core term deposits grew by 10.53 per cent to `107624 crore in 2013-14 from `97372 crore in 2012-13.

CREDITAs of 31.03.2014, the gross credit of the Bank stood at ̀ 183321 crore as against ̀ 176234 crore in the previous year, registering y-o-y growth of 4.02 per cent. The growth in credit is diversified in all segments as under:

` in crore

As on 31.03.2013

As on 31.03.2014

Growth (%)

Corporate Credit 112067 97613 (12.90)Agriculture 24658 35382 43.49MSE 17300 21515 24.36Retail Lending 22209 28811 29.73

CREDIT MONITORING DEPARTMENT

Bank has introduced a well-defined Monitoring Policy, containing detailed guidelines on SMA (Special Mention Accounts) Management which encompasses all areas of SMA management, Early Warning Signals, Monitoring & Follow-up Measures and Reporting System.

PRIORITY SECTOR CREDITAs per RBI directives, 40% of adjusted net bank credit or credit equivalent amount of off-balance sheet exposure, whichever is higher, is to be lent to priority sector. Lending under this sector is therefore, the thrust area of the Bank. We have focused on the growth in lending to Agriculture, MSE, Housing, Education and others which are the major constituents of Priority Sector. As a result, our growth under Priority Sector lending has been quite impressive.

The performance of the Bank under various segments of priority sector as on 31.03.2014 is as under:-

` In crore

S No. Particulars March 2013 March 2014 Growth (%)Adjusted Net Bank Credit (ANBC) 151116 179152

1 Priority Sector AdvancePercent to ANBC

5125933.92

6864838.32

33.92

2 Total Agriculture AdvancePercent to ANBC

2465816.31

3538219.75

43.49

3 Direct Agriculture AdvancesPercent to ANBC

1984913.13

2438813.61

22.87

4 Indirect Agricultural AdvancesPercent to ANBC

48093.18

109946.14

128.61

5 Micro & Small Enterprises 17300 21515 24.366 Education Loan 2525 3072 21.667 Housing Loan (upto `25.00 lacs) 6545 8418 28.628 Micro Cr. & other 240 261 8.759 Medium (Mfg.) Enterprises under PS - 3 -

10 Medium (Serv.) Enterprises under PS - 35 -PRIORITY SECTORThe credit deployment under priority sector increased from `51,259 crore to `68,648 crore during 2013-14, recording a growth of 33.92% over previous year.

AGRICULTURETotal Agricultural credit increased by 43.49% from the level of ̀ 24658 crore as on 31.03.2013 to ̀ 35382 crore as on 31.03.2014. The percent of agricultural credit to adjusted net bank credit (ANBC) also increased from 16.31% to 19.75% during the year.

80


MICRO CREDITThe Bank has extended credit of `261 crores to 42,560 beneficiaries where the loan amount sanctioned was up to `50,000/- per borrower.

SELF HELP GROUPSDuring the year 65939 groups were formed by the Bank out of which, 60278 groups have been credit-linked. Total 145296 groups exist as on 31st March, 2014 out of which, 89974 are credit linked with total outstanding of `879.17 crores. Out of the credit-linked groups, 78769 are women SHGs with total sanctioned limits of `733.57 crore which comes to 83.44% of total credit linked groups.

GOVERNMENT SPONSORED PROGRAMME (2013-14)

During the year, the Bank has sanctioned loan under different Government sponsored programme as under :

(` in crore)

Sr. No. Scheme Disbursement during 2013-14A/c. Amount

1 NRLM / SGSY 31658 304.212 SJSRY 13195 201.643 PMEGP 7474 155.63

ADVANCES TO WEAKER SECTIONS

During the year, the Bank has extended loans of `20953 crore to various categories of weaker sections which constitutes 11.70% of ANBC, which is above the target (10%) envisaged by Government.

ADVANCE TO MINORITY COMMUNITIES

Bank has extended various loan facilities amounting to `8,988 crores to 6,69,940 beneficiaries, belonging to different Minority communities which accounts for 13.09% of Priority Sector lending as on 31.03.2014.

ADVANCES TO WOMEN BENEFICIARIES

Credit disbursement to women beneficiaries has improved over the past year from `7,587 crores to 679418 beneficiaries to `11,313 crores to 6,52,446 women beneficiaries. This is 6.31 % of ANBC, well above the norms of minimum 5% of ANBC stipulated by RBI.

FINANCIAL INCLUSION (FI) Bank has covered 4330 villages with population above 2000 and 6743 villages with population below 2000. Bank has

covered all these villages through 5588 BC Agents. We have also opened 215 Branches in unbanked rural centres.

1. Bank has opened all its 3677 Ultra Small Branches attached to 1427 Base Branches.

2. We have opened 17 Urban Financial Inclusion centres in NCR region and 9 in Bhopal Region.

3. Transactions in FI Accounts opened through BCs have increased to 31.65 lacs in FY 2013-14 from 22.42 lacs in FY 2012-13 (YoY growth of 41.17%)

4. Amount of transactions in FI Accounts opened thorugh BCs have increased to 338.86 Crores in FY 2013-14 from 154.39 Crores in FY 2012-13 (YoY growth of 119.48%)

5. Business through BCs increased from ` 24.67 crores on 31 March 2013 to ` 74.99 Crores on 31 March 2014: an increase of 204%

6. No. of accounts opened through BCs increased from 37.3 lacs on 31 March 2013 to 51.00 lacs on 31 March 2014 : increase of 36.73%

7. Bank has opened 92.27 lacs Basic Saving Bank Deposit Account (BSBDA) accounts through its BCs and Branches. Total balance in these accounts is 445.58 crores

8. All our FI accounts have been migrated to Bank’s CBS.

9. 70% of customer’s Finger Prints are on Central Biometric Authentication server of Bank

DIRECT BENEFIT TRANSFER Under DBT, we are lead bank in eight districts Hoshangabad (MP) , Amravati (MH), Cooch Behar (WB), Etawah (UP),

Jalgaon (MH), Jabalpur (MP), Koriya (Chattisgarh) and Kota (Rajasthan)

Out of 4.43 lacs DBT beneficiaries list received from the Government, accounts of all 4.43 lacs (100%) beneficiaries have already been opened by the bank.

81


RETAIL CREDIT

Total outstanding under Retail Lending Schemes increased from `22209 crore as on 31.03.2013 to `28811 crore as on 31.03.2014, registering quantum growth of `6602 crore and percentage growth of 29.73% over March 2013. The retail port-folio of the Bank was 15.72per cent of total advances.

31/03/12 31/03/13 31/03/2014RETAIL CREDIT 16915 22209 28811TOTAL CREDIT 1,50,725 1,76,234 1,83,321% OF TOTAL CREDIT 11.22% 12.60% 15.72%

INTERNATIONAL DIVISION Foreign Exchange Business of the Bank is carried out through 116 Authorized Dealer Branches spread across the country.

For operational efficiency, Bank has a centralized Dealing Room at Mumbai for attainment of better funds management and operational convenience.

During the current Financial Year, the Export Credit portfolio of the Bank increased from `5258 crore as on 31.03.2013 to `5509 crore as on 31.03.2014.

Merchant trade foreign exchange turnover was ` 43,783 crore in FY 2013-14 as against ` 36,758 crore in FY 2012-13.

NRE Deposits increased from Rs 1716.15 crore as on 31.03.2013 to Rs 2485.28 crore as on 31.3.2014 an increase of 44.82% over the previous year.

FCNR Deposits increased from USD 117.82 million as on 31.3.2013 to USD 142.12 million as on 31.03.2014, an increase of over 20% over the previous year.

TREASURY, FUNDS AND INVESTMENT The investment portfolio of the Bank has increased to ̀ 86384 crore as on 31st March 2014 as against ̀ 72662 crore as on

31st March 2013 thereby recording an increase of 18.88% over the previous year. The ten year benchmark yield closed at 8.83% as on 31st March 2014 vis-à-vis 7.95% on 31.03.2013.

RBI took a slew of measures to control rupee depreciation which involved demand curb by increasing overnight rates. The MSF rates were increased to 10.25% , three percent above the repo rate in August 2013 and later on realigned with bank rate .

RISK MANAGEMENTRisk Management System/Organizational Set UpRisk Management systems are now well established in the Bank. Risk Management Committee of the Board of Directors regularly oversees the Bank’s Risk Management policies/practices under Credit, Market and Operational risks. The Committee reviews the policies and procedures for pricing of products and assessing the risk models relative to market developments and also identifies and controls new risks. The committee also regularly monitors compliance of various risk parameters by the concerned departments at the corporate level.

RECOVERYThe bank has a well-defined Recovery Policy containing detailed guidelines for NPA Management. It encompasses all areas of NPA Management, Monitoring and Follow-up measures, Compromise settlements, Staff Accountability, SARFAESI Act, appointment of Recovery/Enforcement Agencies, Sale of assets to ARCs, Willful Defaulters and MIS. The Policy is reviewed from time to time to incorporate the latest changes/developments in Economy and trends in NPA Resolution.

During the year 2013-14, though Cash Recovery of `1104 crore, Upgradation of `766 crore, Sale of NPAs `1278 crores and recovery in written off accounts of `290 crore, aggregating to `3438 crore, the performance was impacted by the fresh accretion of some high ticket accounts. (24 accounts of `50.00 crore and above amounting to `4176 crores).

INFORMATION TECHNOLOGY

The bank achieved 100% coverage of branches under Centralised Banking Solution (CBS) in December 2010. The contract with System Integrator M/s TCS for Core Banking Solution has been renewed for 5 years starting from 1st October 2012. The contract renewal process essentially involved augmentation/upgradation of the existing computing resources viz. hardware, networking, software, security and other associated requirements for CBS implementation in tune with future business projections and other statutory and security obligations. The entire set up is now geared to cope up with the Bank’s requirement till September 2017.

AUDIT AND INSPECTION There were 2481 Medium Risk & 1648 Low Risk rated branches as on 31.03.2013. As on 31.03.2014 there are 2245

Medium Risk Rated branches and 2130 Low Risk Rated branches with only 13 High Risk rated branches. Thus there is overall improvement in risk assessment of branches of the Bank as a whole.

82


BRANCH EXPANSION

As on 31st March 2014, Bank has network of 4573 branches, 3677 Ultra Small Branches, 3628 ATMs, 29 satellite offices and 4 Extension Counters. Bank is having pan India presence covering all 28 States, 6 out of 7 Union Territories, 561 District Head Quarters and 568 Districts out of 642 districts in the country.

Customer Grievances

Our Bank has started 24x7 hours Call Centre with Toll Free Number 1800 200 1911 for providing a better avenue for redressal of grievances to Customers. The Customer Grievances Redressal Mechanism has been made fully on-line for quick disposal of grievances. All grievances received are allotted a Unique Identification Number with tracking facility.

RAJBHASHA

Bank is honoured with ‘Indira Gandhi Rajbhasha Shield’ for the best implementation of Official Language Policy of Government by Official Language Department, Ministry of Home Affairs, Government of India during the financial year 2013-14. The Shield was received by Shri Rajeev Rishi, Chairman and Managing Director from the Hon’ble President Shri Pranab Mukharjee in a glittering function organized at Vigyan Bhawan, New Delhi.

Bank has also received Reserve Bank of India Governor Shield for the best Implementation of Official Language Policy in Linguistic Region ‘A’ and ‘C’.

Further, we have also received award for the best performance in implementation of Official Language Policy in the state of Maharashtra by Maharashtra State Level Bankers Committee and in the state of Gujarat by Gujarat State Level Bankers Committee during the year 2013-14.

CORPORATE COMMUNICATIONS The Bank continued to get publicity mileage during the year as efforts were taken under corporate branding exercise to

give wide publicity of Bank’s products and services and garner business out of the Bank. In order to achieve the marketing and brand objectives campaigns were carried out using Print, Electronic and Outdoor media vehicles.

VIGILANCE During the period 2013-14 the vigilance cases as also complaints have been disposed off much faster. The cases

outstanding beyond six months have been considerably reduced from 60 as on 31.03.2013 to 23 as on 31.03.2014.

Fraud Prevention Committees are meeting every quarter at Zonal Offices to discuss preventive vigilance issues and effective measures to tackle the lacuna in the system. The committee comprises of Zonal Manager/Regional Manager/Vigilance Officers and one Branch Manager from Rural/Semi Urban/ Urban Branches.

HUMAN RESOURCE DEVELOPMENT

1. MANPOWER:

At the end of March 2014 the staff strength of the Bank stood at 40,661, as against 37,113 in the previous year. The category-wise break-up of staff is given below:

Category March 2014 March 2013Officers 16180 14043Clerks 15424 13475Sub-staff 9057 9595Grand Total 40,661 37113

2. TRAINING: Quality training is the cornerstone for building healthy succession and to nurture a sound managerial team. Accordingly,

during the year 2013-14 ‘Training & Development’ function continued to be given major thrust. The year 2013-14 was identified as ‘Capacity Building Year’. With this backdrop and in furtherance to the constant endeavour to transform the Bank as a ‘Learning Organisation’, vibrant changes are brought about in the entire gamut of the training activity encom-passing training modules, contents and delivery systems etc.

During the year 2013-14, about 1490 programmes including Classroom, Locational, RRB and Special training were conducted covering 33179 participants and 163687 man-days by three training colleges and 16 Zonal Staff Training Centres. This apart 316 officers in various scales were nominated for specialized training programmes conducted by external training agencies like NIBM, CAB, IIBM, IDRBT, BIRD, IIBF etc. Further 54 officers have been sent for various Foreign training programmes/exposure visit in the year 2013-14 such as FEDAI, Bancassurance, Leadership Programme, Advance Leadership Programme, Information Security, Operational Risk Management, CRM/Analytics, Advanced Management Programme, Product Innovation Excellence, Leadership for Excellence in Banking & Finance, Analytical & Creative Problem Solving, Critical internet Resources enabler for socio-economic growth, International exposure programme on Agro business and Agro Processing.

83


SUBSIDIARIES AND JOINT VENTURESi. CENTBANK HOME FINANCE LIMITED

Owned funds have increased from Rs 64.01 crore as on March 2013 to Rs 82.82 crore as on March 2014 due to rights issue share allotment to share holders.

During the year the total advances of the company improved from ` 401.60 Crores in March, 2013 to `487.60 Crores as on March, 2014, Y-o-Y growth of 21.41%. Housing loans have increased from Rs 289.11 crore in March 2013 to Rs 356.03 crore as on March 2014 registering growth of 64.60%. Non Housing loans increased to Rs 131.38 crore from Rs 112.49 crore registering growth of 16.79%.

The retails deposits and institutional deposits have increased from Rs 227.60 crore in March 2013 to Rs 315.65 crore in March 2014, a Y-o-Y growth of 38.68%.

The Net Profit of the Company stood at `11.29 Crore for full year 2013-14, as against the level of `10.06 Crore for full year 2012-13. The reason for increase in profit is due to increase in interest income on account of fresh disbursements.

Earning per Share is `48.41 (`100 per share) [Previous Year `50.32], The company has increased paid up capital from `20.00crores to ` 25.00crores during the year.

NPA stands at Rs 16.02 crore in March 2014 as against Rs 14.86 crore in March 2013.

Net NPA to Net Advances is at 1.12% as on March 2014.

Return on Assets is 2.41%. [Previous year 2.45%]

CAR works out at 24.27% as on 31st March 2014.

ii. CENTBANK FINANCIAL SERVICES LIMITED

Centbank Financial Services Limited is essentially providing ancillary Corporate Financial Services. CFSL was en-gaged in the business of the following segments:

Project Appraisal and Loan Syndication

Capital Market Transactions (both equity and debt)

Corporate Advisory Services including M&As and Debt Restructuring, Project Advisory, Securitisation, Risk Manage-ment, Business Valuations, Private Equity and TEV Report

Trusteeship Services including Debenture/Security Trustee, Executor Trustee and Managing Charitable Trusts etc.

Financial Update:

The company earned a Net Profit of `2.82 crore as of March 2014 against Net Profit of `7.88 crore in the previous year,

The income from syndication in 2013-14 is `4.51 crore vis-à-vis `10.31 crore during previous year. The decline in the syndication fees is mainly because of the poor market conditions.

On the Advisory vertical, in the Current FY, company earned a fee of ` 2.85 Crore which includes ` 1.50 Crore from a Corporate Debt Restructuring assignment and ` 60.00 Lacs from a Rights Issue assignment along with some other TEV reports whereas in FY 2013, it was ` 77 Lacs.

On the Trusteeship vertical, company earned a fee of ` 2.13 Crore as against ` 1.61 Crore in the previous Financial Year.

iii. INDO-ZAMBIA BANK LTD. The Bank’s Joint Venture in Zambia is promoted jointly by Government of Zambia and three India Banks viz. Central

Bank of India, Bank of Baroda and Bank of India. While each of the 3 Indian Banks hold 20% equity, Govt. of Republic of Zambia holds the balance 40% equity.

The Bank has been performing well in all parameters and is presently the sixth largest bank in Zambia with a total business mix of Rs 2634 crore.

The Bank earned a net profit of Rs 37.69 crore for the year ended 31st December 2013 as against total investment of Rs 60 lacs made in the Joint Venture, the total dividends earned by our Bank during the last five years alone has been in excess of 440 lacs.

84


iv. REGIONAL RURAL BANKS :

lWe had 5 RRBs as on 31st March 2013 in 5 states covering 54 districts with a network of 1799 Branches.

lDue to amalgamation of RRBs, 2 RRBs namely, Ballia Etawah Gramin Bank had been merged to form Purvanchal Bank (Sponsored by SBI) on 01/04/2013 & Surguja Kshetriya Gramin Bank had been merged to form Chhattisgarh Rajya Gramin Bank (Sponsored by SBI) on 02/09/2013. As such our sponsorship had been ceased in these two RRBs.

lNow we have 3 RRBs as on 31st March 2014 in 3 states covering 46 districts with a network of 1609 Branches.

lRRBwise performance is given as below ;

( Amount ` in Crore)

Name of RRBs with its HO & State No. of Dist. &

Branches

Total Deposits

Total Advance

Gross NPA Net Profit

Central Madhya Pradesh GB. Chhindwara (M.P). 25 / 451 5329.55 3101.36 287.22 10.00Uttar Bihar GB. Muzaffarpur (Bihar) 18 / 1020 9342.85 5164.31 114.39 65.21Uttarbanga Kshetriya GB. Coochbehar (West Bengal) 3 / 138 1752.75 1075.76 152.53 15.63Total 46 / 1609 16425.15 9341.43 554.14 90.84

CORPORATE SOCIAL RESPONSIBILITY

CSR is the continuing commitment by business to contribute to economic development while improving the quality of life of the workforce and their families as well as of the community and society at large.

It is our continuing commitment to donate under CSR through the organization/Trust working for poor, downtrodden people of society for their upliftment for education, health, natural calamities and overall social welfare of the society

ACHIEVEMENTS DURING THE YEAR BANK HAS ADDED 1099 ATMS TO REACH 3628 ATMS.

E-TRANSACTION INCREASED FROM 30% TO 39% OF TOTAL TRANSACTIONS DURING THE YEAR.

THE DEBIT CARD BASE OF THE BANK HAS INCREASED FROM 42 LACS TO 72 LACS AS ON 31ST MARCH 2014.

DURING THE YEAR INTERNET BANKING CUSTOMER BASE INCREASED FROM 6.02 LACS TO 19.62 LACS REGISTERING AN IMPRESSIVE GROWTH OF 225%.

BANK STOOD 1ST IN MOBILIZING INSURANCE PREMIUM AND IN NUMBER OF POLICIES AMONGST ALL BANCASSURANCE PARTNERS OF LIC. BANK HAS CANVASSED 1,08,036 POLICIES WITH PREMIUM OF `176 CRORES. TOTAL EARNING FROM BANCASSURANCE BUSINESS IS `26.65 CRORE WITH Y-O-Y GROWTH OF 8%.

UNDER GENERAL INSURANCE BUSINESS, BANK HAS MOBILIZED 5,59,846 POLICIES WITH PREMIUM COLLECTION OF `105 CRORE WITH Y-O-Y GROWTH OF 27%.

HOT-LISTING OF DEBIT CARD / CREDIT CARD THROUG SMS IMPLEMENTED.

MISSED CALL FACILITY FOR CREDIT CARD CUSTOMERS IMPLEMENTED.

COLLECTION OF PREMIUM AT OUR BRANCHES FOR BAJAJ ALLIANZ IMPLEMENTED.

MOBILE BANKING LAUNCHED

CASH DEPOSIT KIOSKS ( CDK’S) INSATLLED IN 150 BRANCHES.

BANK HAS IMPLEMENTED CHATTISGARH SCHOLARSHIP PROGRAMME ON PREPAID CARDS. SECOND PHASE IS CURRENTLY UNDER IMPLEMENTATION.

WAY FORWARD

SHARE OF CASA DEPOSITS TO BE IMPROVED.

CENT SALARY SAVING SCHEME FOR EMPLOYEES OF CORPORATES & NON CORPORATES WILL BE A DRIVING FORCE TO BRING IN THE EMPLOYER’S CORPORATE ACCOUNTS.

UPGRADATION OF EXISTING PRODUCT IN LINE WITH THE INDUSTRY PRACTICES ESPECIALLY ONLINE PRODUCTS IS THE PRIME TARGET- BEGINNING WITH ONLINE OPENING OF SAVINGS ACCOUNTS.

GARNERING OF SUBSTANTIAL DEPOSIT UNDER NEWLY INTRODUCED RDS- CENT LAKHPATI “JAB CHAHO LAKHPATI BANO”.

85


FOCUS ON MARKETING OF GIFT CARDS – BASE TO BE INCREASED TO 50000.

BANK HAS ROBUST PLAN TO CONTAIN GROSS NPA BELOW 5.50% AND NET NPA AT LESS THAN 3.00%.

PLANNED TO OPEN ADDITIONAL 2022 ATMS DURING FY 2014-15 TO REACH A LEVEL OF 5650 ATMS. THIS WILL ENABLE ATM PRESENCE IN ALL OUR BRANCHES.

THRUST IN TRANSACTION BANKING ACTIVITIES TO GENERATE ADDITIONAL BUSINESS.

TO ACHIEVE 40% GROWTH IN FEE BASED INCOME THROUGH BANCASSURANCE BUSINESS IN FINANCIAL YEAR 2014-15.

BY MONITORING REVIVAL OF LAPSED POLICIES ENHANCE PERSISTENCY RATIO TO 50% IN LIFE INSURANCE BUSINESS

TO CREATE POOL OF 2650 SPECIFIED PERSONS TO CARRY BANCASSURANCE BUSINESS.

COVERAGE OF ALL BRANCHES/USERS UNDER BIOMETRIC SYSTEM

IMPLEMENTATION OF E-KYC

600 MORE MULTI FUNCTIONAL KIOSK (MFK) AND CASH DEPOSIT KIOSKS (CDK’S) TO BE INSTALLED DURING THIS FINANCIAL YEAR.

AWARDS & ACCOLADES

Government of India has awarded the second ranked “National Award for Excellence in MSME Lending” for the year 2012-13 to Central Bank of India. The award was given at the benign hands of Hon’ble Prime Minister Shri Manmohan Singh.

Bank was conferred ‘HR AWARD’ for ‘Training Excellence’ (Gold Award) towards achieving excellence in Training and Learning systems and practices, by Greentech Foundation.

Bank has received second award in the category: Public – Service Sector (Large) for ‘Excellence in Cost Management’ by Institute of Cost Accountants of India.

Bank was conferred ‘BEST FINANCIAL ADVISOR AWARD UNDER PSU CATEGORY’ by CNBC TV & UTI Mutual Fund.

Bank was conferred ‘Greentech Safety Award – 2013’.

During BANCON 2013, Bank won Special Mention Award under the category ‘Most Innovative Broad-based Product Offering’.

Bank has received Banking Excellence Awards in two categories viz. 1) ECO– Technology Award – Runner Up and 2) Jury Award for New Initiatives in a glittering function organized by Chamber of Indian Micro Small & Medium Enterprises in the august presence of Dr. Montek Singh Ahluwalia, Hon’ble Dy. Chairman, Planning Commission, Mr. J.D. Seelam, Hon’ble Minister of State for Finance and Mr. Arun Maira, Member Planning Commission.

86


CORPORATE GOVERNANCE

Bank’s Philosophy of Corporate Governance

Thrust of the Corporate Governance of the Bank is to enhance shareholders’ value by pursuing ethical practices in the conduct of its business and maintaining high standard of disclosure and transparency. The Bank has adopted best practices, and standards of governance are monitored by various Committees of the Board. The Board, the Executives and other functionaries have distinctly demarcated roles in achieving the Corporate goals – improved performance and enhanced shareholders’ value.

The equity shares of the Bank are listed at BSE Limited and National Stock Exchange of India Limited. However, the Bank is not a company but a body corporate under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and is regulated by Reserve Bank of India. Therefore, the Bank shall comply with the provisions of clause 49 of the Listing Agreement entered into with Stock Exchanges to the extent it does not violate the provisions of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and the Guidelines issued by Reserve Bank of India in this regard.

ICRA Limited has reaffirmed the “CGR3+” (pronounced CGR 3 plus) rating to the Corporate Governance practices of our Bank. This rating implies that in ICRA’s current opinion, the rated company has adopted and follows such practices, conventions and codes as would provide its financial stakeholders adequate level of assurance on the quality of Corporate Governance.

Board of Directors

The Bank is constituted under the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (as amended from time to time). The general superintendence, direction and management of the affairs and business of the Bank is vested in the Board of Directors presided over by the Chairman and Managing Director.

The composition of the Board of Directors of the Bank is governed by the provisions of the Banking Regulation Act, 1949, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 as amended and the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, as amended.

During the year under review i.e. 2013-14, the composition of the Board was as under:

Sr. No.

Particulars of Directors

Attendance at the Board Meetings (Meetings held during their tenure)

Attendance at the Management Committee Meetings (Meetings held during their tenure)

Attendance at the Audit Committee Meetings (Meetings held during their tenure)

No. of Equity Shares of the Bank held as on 31.03.2014

Membership / Chairmanship of Committees of Board of Central Bank of India as on

31.03.2014

Directorship of other Companies as on 31.03.2014

Whether attended last AGM on June 29, 2013

Member Chairman

1. ShriM.V.Tanksale, Chairman and Managing Director,(29.06.2011- 31.07.2013)Area of Expertise - Banking

05(05)

05(05)

--- NIL MCB,RMC,LVFC,CSC,ITS.

SIGC,IFRS,ITPA,VIG

CAC,HR,MRC

MCB,RMC,LVFC,CSC,IFRS,ITPA,VIGCACPC,PAC

i) Centbank Financial Services Ltd.ii) Indo Zambia Bank Ltd.iii) Life Insurance Corporation of Indiaiv)Cent Bank Home Finance Ltd.

Yes

87


Sr. No.







31.03.2014



Member Chairman

2. Shri Rajeev Rishi,Chairman and Managing Director(From01.08.2013)Area of Expertise - Banking

10(10)

10(10)

--- NIL MCB,RMC,LVFC,CSC,ITS.

SIGC,IFRS,ITPA,VIG

CAC,HR,MRC

MCB,RMC,LVFC,CSC,IFRS,ITPA,VIGCACPC,PAC

Indo Zambia Bank Ltd.

Not a Director on the date of

AGM

3. Shri Malay Mukherjee,Executive Director(05.11.2012 -11.12.2013)Area of Expertise - Banking

10(10)

10(10)

07(07)

NIL MCB,ACB,RMC,LVFC,CSC,ITP,

SIGC,IFRS,ITPA,CAC,CRC,MRC,HR

NIL Centbank FinancialServices Ltd.

Yes

4. Shri R.K.Goyal,Executive Director(From11.01.2013)Area of Expertise - Banking

14(15)

13(15)

07(08)

NIL MCB,ACB,RMC,LVFC,CSC,ITS,

SIGC,IFRS,ITPA,CAC,HR,MRC

NIL Cent Bank Home Fin. Ltd.Cent Bank Financial Services Ltd.

Yes

88


Sr. No.







31.03.2014



Member Chairman

5. Shri Animesh Chauhan,Executive Director(From05.08.2013)Area of Expertise - Banking

10(10)

10(10)

05(05)

NIL MC,ACB,RMC,LVFC,CSC,ITS,


NIL Cent BankHome Finance Ltd.


AGM

6. Shri B.K. Divakara,Executive Director(From23.01.2014)Area of Expertise - Banking

04(04)

04(04)

01(01)

NIL MCB,ACB,RMC,LVFC,CSC,ITS,


NIL -Cent Bank Home Finance Ltd.-Cent Bank Financial Services Ltd.


AGM

7. Shri Alok Tandon,Government of India Nominee Director(15.11.2011 - 25.07.2013)Area of Expertise - Administration

04(04)

--- 03(03)

NIL ACB,RMC,LVFC,RC,VIG,MRC,HR

RC NIL No

8. Dr. K. P. Krishnan,Government of India Nominee Director(26.07.2013 - 18.02.2014)Area of Expertise - Administration

07(09)

--- 04(05)

NIL ACB,RMC,LVFC,RC,VIG,MRC,HR

RC NIL Not a Director on the date of

AGM

89


Sr. No.







31.03.2014



Member Chairman

9. Dr. Saurabh Garg,Government of India Nominee Director(From19.02.2014)Area of Expertise - Administration

01(02)

--- --- NIL ACB,RMC,LVFC,RC,VIG,MRC,HR

RC Delhi-Mumbai Industrial Corridor Trust


AGM

10. Shri Salim Gangadharan,RBI Nominee Director(30.07.2010 -12.03.2014)Area of Expertise - Banking

04(14)

05(13)

03(08)

NIL MC,ACB,RC,VIG

NIL NIL No

11. Shri Shekhar Bhatnagar,RBI Nominee Director(From13.03.2014)Area of Expertise – Banking

00(01)

01(02)

--- NIL MC,ACB,RC,VIG

NIL NIL Not a Director on the date of

AGM

12. Prof. N. Balakrishnan,Shareholder Director(20.11.2008

- 19.11.2011 and from

10.01.2012)Area of Expertise – Information Technology

10(15)

02(03)

--- 160 RMC,CSC,ITS,

SIGC

ITS, SIGC i) C-DOT Alcatel Research Centre Pvt. Ltd.ii) Data Security Council of India.

Yes

13. Shri Guman Singh,Part Time Non-official Director( From08.08.2011)Area of Expertise – Retired Railway official

15(15)

09(09)

08(08)

NIL MC,ACB,CSC,IFRS

NIL NIL Yes

90


Sr. No.







31.03.2014



Member Chairman

14. Shri M.P. Shorawala,Part Time Non-official Director(From 03.01.2013)Area of Expertise – Lawyer

13(15)

07(08)

--- NIL SIGC,RC,IFRS

NC Vishwa Lakshmi Exports (P) Ltd.

Yes

15. Shri Krishan Sethi,Part Time Non-official Director(From 28.02.2013)Area of Expertise –Professional

15(15)

08(08)

08(08)

NIL ACB,ITS,

SIGC,RC,

IFRS,ITPA,NC

NIL NIL Yes

16. Shri S.B. Rode,Officer Employee Director(From 02.04.2013)Area of Expertise –Banker

15(15)

04(04)

--- 133 MC,RMC,ITPA

NIL NIL Yes

17. Shri Gurbax Kumar Joshi,Workmen Employee Director(From 10.07.2013)Area of Expertise –Banker

12(12)

--- --- NIL RMC,LVFC


AGM

18. Smt. N.S. Rathnaprabha,Part Time Non-official Director(From 19.12.2013)Area of Expertise –Social Service

04(05)

01(01)

--- NIL MC,LVFC,CSC,NC


AGM

The Chairman and Managing Director and the Executive Directors are whole time Directors of the Bank.

MCB - Management Committee of the Board

ACB - Audit Committee of the Board

RMC - Risk Management Committee

LVFC - Large Value Fraud Committee

CSC - Customer Service Committee

ITS - Information Technology Strategy Committee

SIGC - Shareholders’/Investors’ Grievances Committee

91


RC - Remuneration Committee

IFRS - International Financial Reporting Standards Committee

ITPA - Internal Training Policy Advisory Committee

VIG - Vigilance Committee

CAC - Credit Approval Committee

HR - Human Resources Committee

MRC - Monitoring of Recovery Committee

NC - Nomination Committee

Management Committee of the Board:

The Management Committee of the Board has been constituted under The Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 read with the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and it exercises all the powers vested in the Board in respect of sanction of high value credit proposals, compromises/write off proposals, premises, investments and filing of suits/appeals etc. As on 31.03.2014, it comprised 8 members consisting of the Chairman & Managing Director, 3 Executive Directors, Reserve Bank of India Nominee Director, and 3 part time non-official Directors. The Management Committee of the Board met 15 times during the year.

Credit Approval Committee:

Pursuant to newly added clause 13A of the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, a Credit Approval Committee of the Board of Directors has been constituted w.e.f. 31.01.2012. The Committee exercises the powers of the Board with regards to credit proposals upto `400.00crs, compromise / write off proposals upto `10.00crs, premises proposals upto `15.00lacs per annum (Rural Area), upto `25.00lacs per annum (Semi-urban Area), upto `50.00lacs per annum (Urban Area) and upto `1.00crs per annum (Metro Area). The Present Committee comprises of Chairman and Managing Director, Executive Directors, Chief General Manager (Risk Management) & General Manager/s in charge of Credit, General Manager In Charge of Finance, General Manager In Charge of Premises and General Manager In Charge of Recovery. The Credit Approval Committee met 32 times during the year.

Audit Committee of the Board

The Audit Committee of the Board (ACB) has been constituted by the Board of Directors as per the guidelines of the Reserve Bank of India. The ACB provides direction as well as overseeing the operation of the total audit function of the Bank, which includes the organisation, operationalisation and quality control of internal audit and inspection within the Bank and follow-up on the statutory/external audit of the Bank and inspections of the RBI.

The Audit Committee of the Board shall comprise of Executive Directors, Government of India Nominee Director, Reserve Bank of India Nominee Director and two non-official non-executive directors, at least one of them should be a Chartered Ac-countant. Directors from staff will not be included in the ACB. During the year, the Audit Committee met 8 times.

Risk Management Committee

In terms of Reserve Bank of India circular DBOD NO.DP(SC)BC/98/21.04.103/39 dated 7th October, 1999 and vide Board Agenda No. BM/01/2002-03/3.2 of meeting dated 20.04.2002 and vide Board Agenda No.BM/09/2002-03/3.9 of meeting dated 25.11.2002, the Risk Management Committee of the Board is formed. The committee comprises of Chairman & Managing Director, Executive Directors, GOI Nominee Director, RBI Nominee Director and three Non Official Part Time Directors. The Committee met 4 times during the year.

Remuneration Committee

The Remuneration Committee of the Board of Directors was constituted as per Ministry of Finance Communication F.No.20.1.2005-Bo-I dated 09.03.2007 for payment of performance-linked incentive to wholetime Directors. The Committee consists of Govt. of India Nominee Director, Reserve Bank of India Nominee Director and 2 Independent Directors.

The Remuneration Committee met on 29.06.2013 & 23.07.2013 for considering the performance-linked incentive to wholetime directors for the Financial Year 2013-14.

Remuneration of Directors:

The Non Official Independent Directors / Non Executive Director were paid sitting fees of `10,000/- for attending every meeting of the Board of Directors and `5,000/- for attending every meeting of various Sub-Committees of the Board, apart from the Bank incurring the usual travelling and stay expenses. Sitting fees are not paid to the Chairman & Managing Director, Executive Directors and Directors who are officials of Government of India / Reserve Bank of India.

92


During the financial year 2013-14, the following amounts have been paid to the Chairman & Managing Directors and Executive Directors as total salary, allowances and perks:

Sr Name Rupees in lacs1. Shri M.V.Tanksale (Ex-CMD) 18.362. Shri Rajeev Rishi (CMD) 11.573. Shri Malay Mukherjee (Ex-ED) 14.154. Smt.V.R.Iyer (Ex-ED) 2.405. Shri R.K.Dubey (Ex-ED) 3.156. Shri Raj Kumar Goyal (ED) 18.377. Shri Animesh Chauhan (ED) 9.818. Shri B K Divakara (ED) 2.78

During the year under review, the Bank has paid `8,40,000/- (Rupees Eight Lakh forty thousand only) to the eligible Directors towards sitting fees for attending Board Meetings and `4,90,000/- (Rupees Four Lakh Ninety thousand only) towards attending the Sub-Committee Meetings of the Board.

Shareholders’/Investors’ Grievance Committee

In compliance with SEBI guidelines on Corporate Governance as provided in Clause 49 of the Listing Agreement, Shareholders’/ Investors Grievances Committee has been constituted, for redressal of the grievances of the shareholders/ investors with regard to the transfer of shares, non-receipt of Annual Report, non- receipt of dividends, etc. All the references/ complaints received from the investors during the year have been replied/ redressed till date. Investors’ grievances are normally attended to within seven days, on receipt of the relevant information. The Committee comprises of Chairman & Managing Director, Executive Directors and two independent Directors. Presently, it is headed by Prof. N. Balakrishnan, Independent Non-Official Director of the Bank.The Committee met 4 times during the year.

The details of Investor Grievances for the year 2013-14 (01.04.2013 to 31.03.2014) is as under:

1 Grievances pending at the beginning of the year NIL

2 Letters Non Receipt of Share Certificate (s) 02

3 Non Receipt of Dividend Warrants 152

4 Not Receipt of Annual Report 46

5 Non Receipt of Refund Order 05

6 Correction in Refund Instrument 05

7 Others NIL

8 NSE 01

9 BSE 01

10 SEBI 05

11 Total Grievances received 217

12 Total Grievances attended/resolved 217

13 Total complaints pending at the end of the year NIL

We confirm that no investor’s complaints remained unattended/pending for more than 30 days.

ComplianceOfficer

Shri Anand Kumar Das, Assistant General Manager-MBD/Company Secretary is the Compliance Officer of the Bank as per Equity Listing Agreement with Stock Exchanges.

Proceeds from Public Issues, Right Issues, Preferential Issues, etc.

During the year, Bank has raised ` 1800.00 crores (including premium) from allotment of 30,58,62,361 equity shares to Government of India of the face value of ` 10/- each at issue price of ` 58.85 per equity share (including premium of ` 48.85 per equity share) on preferential basis. Further, Bank has also raised Rs 1000 crores in the form of Basel III Complaint Tier II Bonds (Sr I). The funds are raised with the primary objective of augmenting Tier-I and Tier-II Capital for strengthening capital adequacy ratio and for enhancing the long-term resources of the Bank. The funds raised, are being utilized for the above purpose.

93


Means of Communications

The quarterly financial results (unaudited but subject to limited review by Statutory Auditors) and audited Annual Results were normally published in English, Hindi, Marathi and many regional languages in various leading newspapers, such as, Economic Times, Financial Express, Business Standard, Pudhari (Marathi), etc. The results were also displayed on the Bank’s website at www.centralbankofindia.co.in.

General Shareholder Information

7th Annual General Meeting of the Bank:

Day and Date: Monday, 30th June, 2014 at 11:00 AM at Sir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital/Reliance Energy Office, JVPD Scheme, Vile Parle (West), Mumbai, 400056

1. The Annual General Meeting is relevant for the financial year 2013-14

2. Date of Book Closure: 21st June 2014 to 30th June, 2014 (Both days inclusive)

3. Dividend Payment Date: on or before 30th July 2014

General Body Meetings:

Sr. No. Nature of Meeting Date & Time Venue1. Sixth Annual General Meeting 29th June, 2013, 11:00

AMSir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital / Reliance Energy Office, JVPD Scheme, Vile Parle (West), Mumbai, 400056

2. Fifth Annual General Meeting 27th June, 2012, 4:00 PM ------ Same as above ------3. Fourth Annual General Meeting 29th July, 2011 3:00 PM ------ Same as above ------

Listing on Stock Exchanges:

The shares of the Bank are listed on BSE Limited and National Stock Exchange of India Limited. The scrip codes are as follows:

BSE Ltd. (BSE) 532885National Stock Exchange of India Ltd. (NSE) CENTRALBKISIN Number INE483A01010

Annual Listing fee for 2014-15 has been paid to both the stock exchanges.

The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes (Tier-II Capital) from time to time. The relevant outstanding details thereof are as under:

Central Bank of India Bonds-Tier-II Capital position as on 31.03.2014

Series Particulars Issue date Total Value(` in crores)

ISIN

Lower Tier II-Series IX 08.10.2004 200.00 INE483A09138Lower Tier II-Series X 28.03.2006 578.20 INE483A09146Lower Tier II-Series XI 04.10.2006 700.00 INE483A09153Lower Tier II-Series XII 03.03.2008 389.10 INE483A09161Lower Tier II-Series XIII 10.02.2009 270.00 INE483A09187Lower Tier II-Series XIV 21.12.2011 500.00 INE483A09245Upper Tier II-Series I 14.11.2008 300.00 INE483A09179Upper Tier II-Series II 17.02.2009 285.00 INE483A09195Upper Tier II-Series III 23.06.2009 500.00 INE483A09203Upper Tier II-Series IV 20.01.2010 500.00 INE483A09211Upper Tier II-Series V 11.06.2010 1000.00 INE483A09229Upper Tier II-Series VI 21.01.2011 300.00 INE483A08015Basel III Complaint Sr I 08.11.2013 1000.00 INE483A09260

Total 6522.30

All these bonds are listed either on National Stock Exchange of India Ltd. or BSE Ltd. The Bank has paid the Annual Listing fee for 2014-15 to the Exchanges.

94


Market Price Data:

The monthly high and low on NSE & BSE are as under:

Month NSE BSE

High Price (`)

Low Price (`)

High Price (`)

Low Price(`)

April 2013 72.30 64.65 72.30 64.75

May 2013 76.40 65.05 76.40 65.10

June 2013 68.40 59.60 68.50 59.75

July 2013 65.35 53.00 65.30 53.00

August 2013 58.40 48.75 58.40 48.90

September 2013 63.40 49.65 63.85 49.70

October 2013 56.25 50.00 56.30 50.00

November 2013 68.50 51.30 68.75 50.60

December 2013 54.80 49.25 54.70 49.30

January 2014 53.30 44.30 53.35 44.50

February 2014 48.50 43.60 48.40 43.05

March 2014 52.20 43.25 52.15 43.25

Share Transfers and Redressal of Shareholders’/Investors’ Grievances:

Share Transfers, Refund Order, Dividend payments and all other investor related activities are attended to and processed at the office of our Registrar and Transfer Agents. For lodgment of any of these documents and for queries/complaints/ grievances, shareholders and investors are requested to contact the Registrars at the following address:

Link Intime India Pvt. Ltd.C-13, Pannalal Silk Mills CompoundLBS Marg, Bhandup (West) Mumbai – 400 078Tel: 022-25946970Fax: 022-25946969Email Id: [email protected]

Address for correspondence with the Bank:AGM-MBD / Company Secretary and Compliance officerCentral Bank of India9th Floor, ChandermukhiNariman PointMumbai 400 021Contact No. 022- 6638 7818Fax No.: 022- 2283 5198Email id: [email protected]; [email protected]

95


Shareholding pattern as on 31.03.2014

SHAREHOLDING PATTERN AS ON 31.03.2014

Category of Shareholders No. of Shares No. of Shareholders Total Shares % of holdingDemat Physical Demat Physical

Central Government 1196959325 0 1 0 1196959325 88.63Clearing Member 1911965 0 465 0 1911965 0.14Other Bodies Corporate 7623540 90 1232 1 7623630 0.56Corporate Directors 160 0 1 0 160 0.00Financial Institutions 73420914 0 16 0 73420914 5.44FII’s 11833770 0 40 0 11833770 0.88Government Companies 700 0 1 700 0.00Hindu Undivided Family 101822 0 2 0 101822 0.01Mutual Fund 12517 0 2 0 12517 0.00Nationalized Banks 1025176 0 7 0 1025176 0.08Non Nationalized Banks 517479 0 5 0 517479 0.04Non Resident Indians 1224459 69600 1053 1 1294059 0.09Non Resident (Non Repatriable) 174809 0 284 0 174809 0.01Public 50099868 15957 188600 125 50115825 3.71Trusts 112925 0 20 0 112925 0.01G I C & Its Subsidiaries 5334239 0 5 0 5334239 0.40Total 1350353668 85647 191734 127 1350439315 100.00

Dematerialization of SharesThe Bank’s shares are being traded compulsorily in Demat form. The Bank had already entered into agreements with both the Depositories viz., National Securities Depositories Limited (NSDL) and Central Depository Services (India) Ltd. (CDSL) for dematerialization of shares.Particulars of shares in Demat and Physical form held by shareholders as on 31.03.2014 are as under:

No. of shareholders No. of shares % shareholdingPhysical 127 85647 0.01NSDL 122470 132365442 9.80CDSL* 69264 1217988226 90.19Total 191861 1350439315 100.00

* Including 1196959325 (88.63%) held IN DEMAT form by the Central Government.There are no outstanding GDRs / ADRs /warrants or any convertible instruments.Shares in Unclaimed Suspense Account:In terms Clause 5A of Listing Agreements, the Shares outstanding in “Unclaimed Suspense Account” as on 31st March, 2014 are as under:

Sr. No. Particulars Aggregate number of Shareholders

Aggregate outstanding Shares

(i) Aggregate number of shareholders and the outstanding shares lying in the Unclaimed Suspense Account at the beginning of the year

264 34,851

(ii) Number of shareholders who approached the issuer for transfer of shares from Unclaimed Suspense Account during the year

2 126

(iii) Number of shareholders to whom shares were transferred from the Unclaimed Suspense Account during the year

2 126

(iv) Aggregate number of shareholders and the outstanding shares lying in the Unclaimed Suspense Account at the end of the year

262 34,725

Certificate of Compliance of mandatory stipulations of Corporate Governance

The certificate issued by the statutory auditors of the Bank, in compliance of mandatory stipulations of Corporate Governance in the Listing Agreement with the Stock Exchange is attached.

96


Annexure I

Declaration of Compliance with Code of Conduct

I confirm that all Board Members & Senior Management have affirmed Compliance with the Bank’s Code of Conduct for the financial year 2013-14.

Sd/-Place: Mumbai [Rajeev Rishi]Date : May 10, 2014 Chairman and Managing Director

97


C E R T I F I C A T E

To the Members of Central Bank of India

We have examined the compliance of conditions of Corporate Governance by Central Bank of India for the year ended on 31st March, 2014 as stipulated in clause 49 of the Listing Agreement of Central Bank of India with stock exchanges.

The Compliance of conditions of corporate governance is the responsibility of the management. Our examination was limited to procedures and implementation thereof, adopted by Central Bank of India for ensuring the compliance of the conditions of the Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of Central Bank of India.

In our opinion and to the best of our information and according to the explanations given to us, we certify that Central Bank of India has complied with the conditions of Corporate Governance as stipulated in the above mentioned Listing Agreement.

We state that no investor grievance is pending for a period exceeding one month against Central Bank of India as per the records maintained by the Shareholders Committee.

We further state that such compliance is neither an assurance as to the future viability of the company nor the efficiency or effectiveness with which the management has conducted the affairs of Central Bank of India.

For KUMAR CHOPRA & ASSOCIATESCHARTERED ACCOUNTANTS

F.R. No.000131N

For P.K. SUBRAMANIAM & COCHARTERED ACCOUNTANTS

F.R. No.004135S

For DOOGAR & ASSOCIATESCHARTERED ACCOUNTANTS

F.R. No.000561N

(CA SUNIL JAIN)PARTNER

M.No.080990

(CA S. VENKATKRISHNAN)PARTNER

M.No.023488

(CA MUKESH GOYAL)PARTNER

M.No.081810

For N.SARKAR & COCHARTERED ACCOUNTANTS

F.R. No.301075E

For N. CHAUDHURI & CO.CHARTERED ACCOUNTANTS

F.R. No.301032E

For B.N.MISRA & CO.CHARTERED ACCOUNTANTS

F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940

(CA ANUP BISWAS)PARTNER

M.No.050708

(CA S. S. MOHAPATRA )PARTNER

M.No.061619

Place : Mumbai

Date: May 10, 2014

98


KUMAR CHOPRA & ASSOCIATESB-12 (Ground Floor)Kalindi Colony,Near Maharani Bagh,New Delhi- 110065

P K SUBRAMANIAM & CO11-5-23,Kartik ComplexAbove Vijaya Bank, BresthwarpetRaichur- 584101, Karnataka

DOOGAR & ASSOCIATES13, Community Centre,East of Kailash,New Delhi - 110065

N SARKAR & CO21 Prafulla Sarkar Street2nd floorKolkata- 700072,West Bengal

N CHAUDHURI & CO10 Old Post Office Street.2nd floor,Room No 61,Kolkata- 700001,West Bengal

B N MISRA & COS-29 , Maitri Vihar, Phase – IIIn front of Satyam Development CentreBhubaneshwar- 751023 Orissa

INDEPENDENT AUDITORS’ REPORTTo

The President of India

Report On The Financial Statements

1. We have audited the accompanying financial statements of Central Bank of India as at March 31, 2014 which comprise the Balance Sheet as at March 31, 2014 and Profit and Loss Account and Cash Flow Statement for the year then ended and a summary of significant Accounting Policies and other explanatory information. Incorporated in these financial statements are the returns of 20 Branches, 38 Regional Offices audited by us out of a total of 4550 branches, 80 Regional Offices, and 1441 branches/ Service Support Branches audited by other branch auditors. Also incorporated in the Balance Sheet and Profit and Loss Account are the returns of 3089 branches, 42 Regional Offices which have not been subjected to audit. The unaudited branches account for 9.98% of advances, 38.61% of deposits, 8.78% of interest income and 31.70% of interest expense. The branches audited by us and those audited by other auditors have been selected by Bank in accordance with the guidelines issued by the Reserve Bank of India.

Management’s Responsibility for the Financial Statements

2. Management of the Bank is responsible for the preparation of these financial statements that give true and fair view of the financial position and financial performance of the Bank in accordance with Banking Regulation Act, 1949 and complying with Reserve Bank of India Guidelines issued from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the financial statements that are free from material misstatements, whether due to fraud or error.

Auditor’s Responsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statement. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the bank’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Emphasis of Matter

6. In accordance with Standard on Audit (SA) 706 “Emphasis of Matter Paragraph” without qualifying our opinion, we draw attention to –

(i) Note no.10(c) of the Schedule 18 to the financial statements regarding deferment of pension liability and gratuity liability of the Bank, pursuant to the exemption granted by the Reserve Bank of India to the Public Sector banks from application of the provisions of Accounting Standard (AS) 15, Employees Benefits vide circular No.DBOP.BP.BC/80/21.04.018/2010-11 dated 09.02.2011 on “Re-opening of Pension Option to the employees of Public Sector Banks and Enhancement in Gratuity Limits Prudential Regulatory treatment” Accordingly, out of the unamortized amount of `590.77 crore as on 01.04.2013, the Bank has amortised `239.99 crore for Pension and `55.40 crore for

99


Gratuity being proportionate amount for the year ended March 31, 2014 and balance amount to be amortised in future period for Pension is `239.98 crore and for Gratuity is `55.40 crore.

(ii) Note no.10 (g) of Schedule 18 to the financial statements, which describes the accounting treatment of the expenditure on 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 dated 20th December, 2013.

Opinion

7. In our opinion, as shown by the books of the bank, and to the best of our information and according to the explanations given to us, we report that:

i. The Balance Sheet read with the Significant Accounting Policies and Notes thereon, is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at March 31, 2014, in conformity with accounting principles generally accepted in India.

ii. The Profit and Loss Account, read with the Significant Accounting Policies and Notes thereon shows a true balance of loss, in conformity with accounting principles generally accepted in India, for the year covered by the accounts; and

iii. The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

Report on Other Legal and Regulatory requirements

8. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms ‘A’ & ‘B’ respectively of the Third Schedule to the Banking Regulation Act, 1949.

9. Subject to the limitations of the audit indicated in paragraphs 1 to 5 above and as required by the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 and subject also to the limitations of disclosure required therein, we report that:

a) We have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purposes of our audit and have found them to be satisfactory.

b) The transactions of the Bank which have come to our notice have been within the powers of the Bank.

c) The returns received from the Offices and Branches of the Bank, as supplemented with the information furnished by the Management, have been found adequate for the purposes of our audit.

10. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.080990


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 10, 2014

100


AUDITORS’ REPORT ON ABRIDGED FINANCIAL STATEMENTS

KUMAR CHOPRA & ASSOCIATESB-12 (Ground Floor) Kalindi Colony,Near Maharani Bagh,New Delhi- 110065

P K SUBRAMANIAM & CO11-5-23,Kartik ComplexAbove Vijaya Bank, BresthwarpetRaichur- 584101, Karnataka

DOOGAR & ASSOCIATES13, Community Centre,East of Kailash,New Delhi - 110065

N SARKAR & CO21 Prafulla Sarkar Street2nd floorKolkata- 700072,West Bengal

N CHAUDHURI & CO10 Old Post Office Street.2nd floor,Room No 61,Kolkata- 700001,West Bengal

B N MISRA & COS-29 , Maitri Vihar, Phase – IIIn front of Satyam Development CentreBhubaneshwar- 751023, Orissa

To the Members of Central Bank of India

We have examined the attached abridged Balance Sheet of Central Bank of India (‘the Bank’) as at March 31, 2014, the abridged Profit and Loss Account and also the Cash Flow Statement for the year ended on that date annexed thereto together with the notes thereon (hereinafter referred as Abridged Financial Statements).

These abridged financial statements have been prepared by the Bank pursuant to Rule 7 A of the Companies (Central Government’s) General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India vide its letter No.F.No.7/116/2012-BOA dated August 1, 2012 and are based on the audited financial statements of the Bank for the year ended March 31, 2014 drawn up in accordance with the provisions of Section 29 of Banking Regulation Act, 1949 read with Section 211 of the Companies Act, 1956 and covered by our report dated May 10, 2014 to the Members of the Bank, which is attached hereto.


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.080990


M.No.023488


M.No.081810

For M/s. N.SARKAR & COCHARTERED ACCOUNTANTS

F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 10, 2014

101


Abridged Balance Sheet of Central Bank of India as at March 31, 2014

(Amount in lac)

PARTICULARS As at March 31, 2014 (Current Year)

As at March 31, 2013 (Previous Year)

CAPITAL & LIABILITIESCapital 296,743.93 266,157.69Reserves & SurplusStatutory Reserves 191,198.79 191,198.79

Capital Reserve (Note 1) 232,722.89 231,215.38

Share Premium 743,838.93 594,425.17

Revenue and Other Reserves 234,731.30 238,130.30

Special Reserve U/s 36(1)(viii) of Income Tax Act 10,000.00 10,000.00

Balance in Profit & Loss a/c. (130,380.08) 157.79

Total 1,282,111.83 1,265,127.43DepositsDemand Deposits 1,353,698.53 1,449,119.35

Savings Bank Deposits 6,647,374.61 5,909,046.49

Term Deposits 16,005,825.73 15,245,665.64

Total 24,006,898.87 22,603,831.48Borrowings1. Borrowings in India

(a) From Reserve Bank of India 633,898.35 554,307.52

(b) from other banks 319.04 1,369.60

(c) from other institutions and agencies 426,740.21 466,259.04

(d) Unsecured Redeemable Bonds (Subordinated Debt) 263,730.00 263,730.00

(e) Upper Tier II bonds 288,500.00 288,500.00

(f) Innovative Perpetual Debt Instrument 108,300.00 108,300.00

(g) Unsecured Redeemable NC Basel III Bonds 100,000.00 -

2. Borrowings outside India 386,490.00 148,085.01

Total [1 & 2] 2,207,977.60 1,830,551.17Other Liabilities & ProvisionsBills payable 76,552.24 70,212.99

Inter-office adjustments (net) -

Interest accrued 166,092.09 136,942.87

Provisions towards standard assets 65,793.78 66,528.14

Deferred Tax Liability (net) 59,660.00 25,875.00

Others 787,792.10 547,728.13

Total 1,155,890.21 847,287.13

Total Capital and Liabilities 28,949,622.44 26,812,954.90

102



(Amount in lac)



ASSETSCash and balance with Reserve Bank of India 1,192,662.93 1,356,016.67Balances with Banks and money at call and short noticeBalances with Banks in India 26,045.09 42,517.48

Money at call and short notice in India - 5,000.00

Balances outside India 19,095.28 5,687.01

Total 45,140.37 53,204.49Investments1. In India

(a) Government Securities 6,789,112.10 6,013,024.67

(b) Other approved securities - 4,400.80

(c) Shares 140,055.81 143,163.32

(d) Debentures and Bonds 981,904.67 444,119.87

(e) Subsidiaries and/or Joint Ventures 30,399.87 26,291.50

(f) Others 671,975.60 629,313.27

2. Outside India 65.94 65.94

Total [1 & 2] 8,613,513.99 7,260,379.37Advances1. In India

(a) Bills purchased and discounted 223,493.15 229,967.55

(b) Cash credits, overdrafts and loans receivable on demand 6,667,215.79 6,274,689.95

(c) Term loans 10,840,808.23 10,688,926.83

2. Outside India - -

Total [1 & 2] 17,731,517.17 17,193,584.33

Fixed assets 280,438.93 268,475.46Other assetsInter-office adjustments (net) 308,897.55 90,216.95


Tax paid in advance/ deducted at source 284,997.10 209,347.46

Deferred Tax Asset (net) -

Non-banking assets acquired in satisfaction of claims

Stationery and Stamps 1,779.97 1,361.05

Others 314,923.60 242,377.18

Total 1,086,349.05 681,294.58

Total Assets 28,949,622.44 26,812,954.90

103


(Amount in lac)



Contingent LiabilitiesClaims against the bank not acknowledged as debts 11,963.46 6,356.71

Disputed income tax demands under appeals, revisions, etc. 140,058.95 91,260.21

Liability on account of outstanding forward exchange contracts 6,406,023.89 3,576,968.28

Guarantees given on behalf of constituents 1,090,367.93 1,007,968.65

Acceptances, endorsements and other obligations 1,123,326.17 1,263,724.90

Other items for which the bank is contingently liable 83,511.07 5,624.64

Total 8,855,251.47 5,951,903.39

Bills for collection 767,173.57 609,557.07Note 1: Includes Revaluation Reserve of `184012.04 (last year `186758.21)

B. K. DIVAKARA Executive Director

ANIMESH CHAUHAN Executive Director

R. K. GOYAL Executive Director

RAJEEV RISHI Chairman & Managing

Director

SAURABH GARG DIRECTOR

SHEKHAR BHATNAGAR DIRECTOR

GUMAN SINGH DIRECTOR

PROF. N. BALAKRISHNAN DIRECTOR

M. P. SHORAWALA DIRECTOR

KRISHAN SETHI DIRECTOR

Ms.N.S. RATHNAPRABHA DIRECTOR

S. B. RODE DIRECTOR

GURBAX KUMAR JOSHI DIRECTOR

For KUMAR CHOPRA & ASSOCIATES

CHARTERED ACCOUNTANTSF.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.080990


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai Date: May 10, 2014


104


AbridgedProfitandLossAccountofCentralBankofIndia for the year ended March 31, 2014

(Amount in Lac)

PARTICULARS For the year ended March 31, 2014 (Current Year)

For the year ended March 31, 2013 (Previous Year)

IncomeInterest earnedOn advances/ bills 1,861,999.27 1,692,253.50

On investments 576,385.23 477,866.09

On balances with RBI and inter-bank funds 3,283.88 7,868.62

Others 1,086.59 8,076.84

Total 2,442,754.97 2,186,065.05Other incomeCommission, exchange and brokerage 82,167.12 81,566.81

Net profit on sale of investments 45,536.69 38,287.50

Net profit on sale of land, buildings and other assets (119.30) (65.36)

Net profit on exchange transactions 19,872.37 6,087.72

Income by way of dividends etc. from subsidiaries/ companies and/or joint ventures abroad/ in India

278.50 278.50

Miscellaneous income 44,522.67 40,577.79

Total 192,258.05 166,732.96

Total income 2,635,013.02 2,352,798.01ExpenditureInterest expendedOn deposits 1,637,456.53 1,493,988.80

On RBI/ inter-bank borrowings 38,088.35 17,456.34

Others 117,771.58 100,862.93

Total 1,793,316.46 1,612,308.07Operating expensesPayments to and provisions for employees 353,700.97 289,154.88

Rent, taxes and lighting 33,356.13 26,647.09

Printing and stationery 4,718.32 3,039.76

Advertisement and publicity 2,654.35 2,869.38

Depreciation on bank's property 20,854.74 18,444.97

Director's fees, allowances and expenses 89.81 87.51

Auditor's fee and expenses (including branch auditors) 1,734.54 1,081.59

Law charges 1,848.23 1,474.06

Postage, telegrams, telephones etc. 5,285.37 3,666.54

Repairs and maintenance 5,876.88 5,739.50

Insurance 19,612.64 17,124.03

Others 68,161.56 53,903.42

Total 517,893.54 423,232.73

105


(Amount in Lac)

PARTICULARS For the year ended March 31, 2014 (Current Year)

For the year ended March 31, 2013 (Previous Year)

Provisions and contingenciesProvisions for depreciation on investment 25,655.74 (16,224.47)

Provision towards non performing assets 329,201.15 135,826.02

Provision towards standard assets (734.36) 9,069.15

Others (excluding income taxes) 69,143.02 56,616.56

Total 423,265.55 185,287.26

Total expenses and provisions 2,734,475.55 2,220,828.06

Profit/(loss)beforetax (99,462.53) 131,969.95

Current tax - 50,101.00

Deferred tax 26,821.66 (19,627.00)

Profit/(loss)aftertax (126,284.19) 101,495.95

Profit/Lossbroughtforward 157.79 147.89

Total (126,126.40) 101,643.84AppropriationsTransfer to :

Statutory Reserve - 25,373.99

Investment Reserve 4,253.68 3,752.16

Staff Welfare Fund - 4,047.00

Revenue Reserves - 20,000.00

Proposed Dividend - Preference Capital - 15,049.93

Proposed Dividend - Equity Capital - 26,114.42

Fund in lieu of Insurance - 200.00

Dividend Tax - 6,948.55

Balance carried forward to balance sheet (130,380.08) 157.79





Director

AbridgedProfitandLossAccountofCentralBankofIndia for the year ended March 31, 2014

106









S. B. RODE DIRECTOR





F.R. No.004135S


F.R. No.000561N


M.No.080990


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

As per our report of even date

Place : MumbaiDate: May 10, 2014

107


NOTES TO ABRIDGED FINANCIAL STATEMENTS OF CENTRAL BANK OF INDIA FOR THE YEAR ENDED MARCH 31, 2014

1. Basis of Preparation:

The abridged Financial Statements have been prepared on the basis of the audited standalone financial statements of the Bank for the year ended March 31, 2014 (hereinafter referred to as ‘Annual Standalone Financial Statements’) pursuant to Rule 7A of the Companies (Central Government’s) General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India vide its letter No.F.No.7/116.2012-BOA dated August 1, 2012.

2. SignificantAccountingPolicies:

Significant accounting policies of the Bank are contained in Schedule 17 of the ‘Annual Standalone Financial Statements’.

3. Notes to Accounts and other Disclosures:

Notes to Accounts and other disclosures are contained in Schedule 18 of the Annual Standalone Financial Statements. However, as there are no notes and disclosures where there is change in accounting policy or are inviting qualifications or attention in the Auditors’ Report, hence no further note/ disclosure is required herein.





Director








S. B. RODE DIRECTOR



108


CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2014

(` In Crore)Sn Particulars 31- 03- 2014 31-03-2013A CASH FLOW FROM OPERATING ACTIVITIES

NetProfitbeforetaxes (994.55) 1,319.76I Adjustments for:

Depreciation on fixed assets 208.55 184.45

Depreciation on investments (including on matured debentures) 256.56 (169.28)

Bad Debts written off/Provision in respect of non performing assets 3,292.01 1,358.26

Provision for Standard Assets 689.57 662.63

Provision for Other items (Net) (5.57) 1.19

Interest on Income Tax (net) (10.87) (80.77)

Profit / Loss on sale of fixed assets (Net) 1.19 (0.65)

Payment/ provision for interest on subordinated debt (treated separately) 642.26 582.86

Dividend Received from Subsidiaries (2.79) (2.79)

Interest on JNY coupons 5.17 -

Sub total 4,081.53 3,855.66

II Adjustments for :Increase / (Decrease) in Deposits 14,030.67 29,864.98

Increase / (Decrease) in Borrowings 3,774.26 5,385.91

Increase / (Decrease) in Other Liabilities and Provisions 3,285.57 14.24

(Increase) / Decrease in Advances (9,360.91) (26,443.88)

(Increase) / Decrease in Investments (13,777.91) (13,191.24)

(Increase) / Decrease in Other Assets (3,355.52) (437.53)

Direct Taxes paid (Net of Refund etc) (700.54) (156.86)

Net Cash from operating activities (A) (6,104.37) (4,964.38)

NET CASH FLOW FROM OPERATING ACTIVITIES (2,022.84) (1,108.72)

B CASH FLOW FROM INVESTING ACTIVITIESSale / Disposal of Fixed Assets 49.45 1.27

Purchase of Fixed Assets (405.01) (425.95)

Dividend Received from Associates/Subsidiaries 2.79 2.79

Investment in Associate/Subsidiaries (10.00)

NET CASH FLOW FROM INVESTING ACTIVITIES (362.77) (421.89)

C CASH FLOW FROM FINANCING ACTIVITIESShare Capital 1,799.99 2,406.00

Proceeds / Redemption of Subordinated Debts Tier II Capital - -

Dividend - Equity shares Inculding Interim Dividend (411.64) (275.81)

Dividend Tax (69.49) (44.45)

Interest on JNY Swap coupon (5.17) (6.66)

Interest on Subordinated Debt (642.26) (582.86)

NET CASH FLOW FROM FINANCING ACTIVITIES 671.43 1,496.22

109


(` In Crore)Sn Particulars 31- 03- 2014 31-03-2013D Net increase in cash & cash equivalents (A + B + C) or (F - E) (1,714.17) (34.39)

E CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEARCash and Bank Balance with RBI 13,560.17 13,114.18

Balance with Banks and Money at Call and Short Notice 532.04 1,012.42

Net cash and cash equivalents at the beginning of the year 14,092.21 14,126.60

F CASH AND CASH EQUIVALENTS AT THE END OF THE YEARCash and Bank Balance with RBI 11,926.63 13,560.17

Balance with Banks and Money at Call and Short Notice 451.40 532.04

Net cash and cash equivalents at the end of the year 12,378.03 14,092.21

CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2014





Director








S. B. RODE DIRECTOR





F.R. No.004135S


F.R. No.000561N


M.No.080990


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619


110


KUMAR CHOPRA & ASSOCIATESB-12, Ground Floor Kalindi Colony New Delhi – 110 065

P K SUBRAMANIAM & CO11-5-23,Karthik ComplexAbove Vijaya Bank BresthwarpetRaichur-584 101 Karnataka.

DOOGAR & ASSOCIATES13, Community Centre,East of KailashNew Delhi – 110 065

N. SARKAR & CO21, Prafulla Sarkar Street2nd floorKolkata – 700 072West Bengal

N. CHAUDHURI & CO.10, Old Post Office Street2nd floor, Room No. 61Kolkata – 700 001West Bengal

B.N. MISRA & COS-29, Maitri ViharPhase – IIInfront of Satyam Development CentreBhubaneshwar - 751 023Orissa

Independent Auditors’ Report On Consolidated Financial Statements

To The Board of Directors of CENTRAL BANK OF INDIA

1. We have audited the accompanying consolidated financial statements of Central Bank of India (“The Bank”), its subsidiaries and associates (collectively referred to as “The Group”) which comprise of the consolidated Balance Sheet as at 31st March, 2014, and the consolidated Profit & Loss Account and the consolidated Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information, in which are incorporated:

(i) Audited accounts of the Central Bank of India (The Bank), audited by us,

(ii) Audited accounts of two Subsidiaries & three Regional Rural Banks (RRB), all of which are audited by other auditors,

(iii) Accounts of an Associate for a period of nine months audited by other auditor and unaudited accounts of the said Associate for the quarter ended March 31, 2014.

Management’s Responsibility for the Financial Statements

2. Management is responsible for the preparation of these consolidated financial statements that give a true and fair view of the consolidated financial position, consolidated financial performance and consolidated cash flows of the Group in accordance with accounting principles generally accepted in India; this includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the consolidated financial statements that give a true and fair view and are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3.1 Our responsibility is to express an opinion on these consolidated financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement.

3.2 An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and presentation of the consolidated financial statements that give a true and fair view in order to design audit procedures that are appropriate in the circumstances but not for the purpose of expressing an opinion on the effectiveness of the Group’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by the management, as well as evaluating the overall presentation of the consolidated financial statements.

3.3 We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion

4. In our opinion and to the best of our information and according to the explanations given to us and based on the consideration of the reports of the other auditors on the financial statements of the subsidiaries and associates as noted below, the consolidated financial statements give a true and fair view in conformity with the accounting principles generally accepted in India:

i. in the case of the consolidated Balance Sheet, of the state of affairs of the Group as at 31st March, 2014;

ii. in the case of consolidated Profit & Loss Account, of the loss for the year ended on that date; and

iii. in the case of the consolidated Cash Flow Statement, of the cash flows for the year ended on that date.

111


Emphasis of matter

5. In accordance with Standard on Audit (SA) 706 “Emphasis of Matter Paragraph”, without qualifying our opinion, we draw attention to the following :

(i) Note no.5.3.1 of Schedule 18 to the consolidated Financial Statements, regarding deferment of pension liability an gratuity liability of the Bank, pursuant to the exemption granted by the Reserve Bank of India to the public sector banks from application of the provisions of Accounting Standard (AS) 15 ‘Employee Benefits’ vide circular no. DBOD.BP.BC/80/21.04.018/2010-11, dated 09-02-2011 to amortize the additional liability on account of ‘Re-opening of Pension Option for existing employees who had not opted for pension earlier as well as the liability on enhancement in gratuity limit over a period of five years beginning with the financial year ended 31st March, 2011. Accordingly, out of the unamortized amount of Rs 590.77 crore as on 1st April, 20l3, the Bank has amortized Rs 239.99 crore for Pension and Rs 55.40 crore for Gratuity being proportionate amount for the year ended 31st March, 2014 and balance amount to be amortized in future periods for Pension is ` 239.98 crore and for Gratuity is `55.40 crore.

(ii) In the consolidated financial statement which includes share of profit of ` 5.95 crore of one of the RRB viz. Central Madhya Pradesh Gramin Bank (CMPGB), the Statutory Central Auditor has drawn attention to inadequate provision in respect of certain advances, inadequate provision of income tax and service tax, the impact of which on the financial statements of CMPGB could not be ascertained.

6. Other matter

We did not audit the financial statements of (i) two subsidiaries whose financial statements reflect total assets of ` 554.53 crore as at March 31, 2014 and total revenue of ` 66.98 crore and net cash flows amounting to ` 1.28 crore for the year ended on that date; and (ii) Associates (three Regional rural banks and one other associate) reflecting net profit of ` 138.14 crore (the Bank’s share ` 42.31 crore) for the year ended on that date. These financial statements have been audited by other auditors whose reports have been furnished to us by the management, and our opinion is based solely on the reports of the other auditors. Our opinion is not qualified in respect of this matter.


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N

(CA R.K.AGGARWAL)PARTNER

M.No.081510


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 20, 2014

112


AUDITORS’ REPORT ON ABRIDGED CONSOLIDATED FINANCIAL STATEMENTS

KUMAR CHOPRA & ASSOCIATESB-12, Ground Floor Kalindi Colony New Delhi – 110 065

P. K. SUBRAMANIAM & CO11-5-23,Karthik ComplexAbove Vijaya Bank BresthwarpetRaichur-584 101Karnataka.

DOOGAR & ASSOCIATES13, Community Centre,East of KailashNew Delhi – 110 065

N. SARKAR & CO21, Prafulla Sarkar Street2nd floorKolkata – 700 072West Bengal

N. CHAUDHURI & CO.10, Old Post Office Street2nd floor, Room No. 61Kolkata – 700 001West Bengal

B.N. MISRA & COS-29, Maitri ViharPhase – IIInfront of Satyam Development CentreBhubaneswhwar - 751 023Orissa

To the Board of Directors of Central Bank of India

We have examined the attached abridged consolidated Balance Sheet of Central Bank of India & its subsidiaries & associates (collectively known as the “Group”) as at March 31, 2014, the abridged consolidated Profit and Loss Account and also the consolidated Cash Flow Statement for the year ended on that date annexed thereto together with the notes thereon (hereinafter referred as Abridged Consolidated Financial Statements).

These abridged consolidated financial statements have been prepared by the Bank pursuant to Rule 7 A of the Companies (Central Government’s) General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India vide its letter No.FNo.7/116/2012-BOA dated August 1, 2012 and are based on the audited consolidated financial statements of the Bank for the year ended March 31, 2014 prepared by the Bank in accordance with the requirements of Accounting Standard – 21, ‘Consolidated Financial Statements’ and Accounting Standard 23 – ‘Accounting for Investments in Associates in Consolidated Financial Statements’ issued by the Institute of Chartered Accountants of India & covered by our report dated May 20, 2014 to the Board of Directors of the Bank, which is attached hereto.




F.R. No.004135S


F.R. No.000561N

(CA R.K.AGGARWAL)PARTNER

M.No.081510


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY)PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 20, 2014

113


Abridged Consolidated Balance Sheet of Central Bank of India as at March 31, 2014

(Amount in Lac)



CAPITAL & LIABILITIESCapital 296,743.93 266,157.69Reserves & Surplus - -

Statutory Reserves 192,330.31 192,330.31

Capital Reserve (Note 1) 232,722.90 231,215.38

Share Premium 743,838.93 594,425.17

Revenue and Other Reserves 231,865.83 235,185.83

Special Reserve U/s 36(1)(viii) of Income Tax Act 10,705.17 10,392.47

Balance in Profit & Loss a/c. (107,187.33) 24,136.67

Total 1,304,275.81 1,287,685.83

Minorities Interest 3,081.98 2,714.05DepositsDemand Deposits 1,352,775.27 1,447,213.51

Savings Bank Deposits 6,647,374.61 5,909,046.49

Term Deposits 16,034,302.73 15,265,646.97

Total 24,034,452.61 22,621,906.97Borrowings1. Borrowings in India

(a) From Reserve Bank of India 633,898.35 554,307.52

(b) from other banks 319.04 1,369.60

(c) from other institutions and agencies 432,518.08 475,336.74

(d) Unsecured Redeemable Bonds (Subordinated Debt) 263,630.00 263,630.00

(e) Upper Tier II bonds 288,500.00 288,500.00

(f) Innovative Perpetual Debt Instrument 108,300.00 108,300.00

(g) Unsecured Redeemable NC Basel III Bonds(Tier II) 100,000.00 -

2. Borrowings outside India 386,490.00 148,085.01

Total [1 & 2] 2,213,655.47 1,839,528.87Other Liabilities & ProvisionsBills payable 76,552.24 70,212.99

Inter-office adjustments (net)


Provisions towards standard assets 66,039.66 66,743.72

Deferred Tax Liability (net) 59,667.07 25,894.99

Others 788,895.30 548,885.59

Total 1,157,254.56 848,586.97

Total Capital and Liabilities 29,009,464.36 26,866,580.38

114



(Amount in Lac)



ASSETSCash and balance with Reserve Bank of India 1,192,663.08 1,356,016.91Balances with banks and money at call and short noticeBalances with banks in India 26,873.26 42,544.33

Money at call and short notice in India - 5,000.00

Balances outside India 19,095.28 5,687.01

Total 45,968.54 53,231.34Investments1. In India

(a) Government Securities 6,789,466.02 6,013,378.59

(b) Other approved securities - 4,400.80

(c) Shares 140,055.81 142,794.74

(d) Debentures and Bonds 981,904.67 444,119.87

(e) Investments in Associates 37,532.27 36,259.43

(f) Others 671,975.62 629,681.87

2. Outside India 5,306.04 4,500.70

Total [1 & 2] 8,626,240.43 7,275,136.00Advances1. In India

(a) Bills purchased and discounted 223,493.15 229,967.55

(b) Cash credits, overdrafts and loans receivable on demand 6,665,875.27 6,274,715.80

(c) Term loans 10,886,092.41 10,725,920.31

2. Outside India - -

Total [1 & 2] 17,775,460.83 17,230,603.66

Fixed assets 280,544.54 268,587.96Other assetsInter-office adjustments (net) 308,897.55 90,216.95


Tax paid in advance/ deducted at source 285,718.17 210,042.73

Deferred Tax Asset (net) - -

Non-banking assets acquired in satisfaction of claims - -

Stationery and Stamps 1,779.98 1,361.05Others 315,297.02 242,806.44

Total 1,087,697.98 682,424.43

Goodwill on Consolidation 888.96 580.08

Total Assets 29,009,464.36 26,866,580.38

115


(Amount in Lac)



Contingent LiabilitiesClaims against the bank not acknowledged as debts 11,963.46 6,356.71

Disputed income tax demands under appeals, revisions, etc 140,058.94 92,823.60

Liability on account of outstanding forward exchange contracts 6,406,023.89 3,576,968.28

Guarantees given on behalf of constituents 1,090,367.93 1,007,968.65

Acceptances, endorsements and other obligations 1,123,326.17 1,263,724.90

Other items for which the bank is contingently liable 83,831.28 5,624.64

Total 8,855,571.67 5,953,466.78

Bills for collection 767,173.57 609,557.07Note : Includes revaluation reserve of ` 1,84,012.05 (last year ` 1,86,758.21)





Director








S. B. RODE DIRECTOR



F.R. No.000131N

For P.K. SUBRAMANIAM & CO CHARTERED ACCOUNTANTS

F.R. No.004135S

For DOOGAR & ASSOCIATES CHARTERED ACCOUNTANTS

F.R. No.000561N

(CA R.K.AGGARWAL) PARTNER

M.No.081510

(CA S. VENKATKRISHNAN) PARTNER

M.No.023488


M.No.081810

For N. SARKAR & CO CHARTERED ACCOUNTANTS

F.R. No.301075E

For N. CHAUDHURI & CO. CHARTERED ACCOUNTANTS

F.R. No.301032E

For B.N. MISRA & CO. CHARTERED ACCOUNTANTS

F.R. No.321095E

(CA M. RAY) PARTNER

M.No.012940

(CA ANUP BISWAS) PARTNER

M.No.050708

(CA S. S. MOHAPATRA) PARTNER

M.No.061619

Place : Mumbai

Date: May 20, 2014


116


AbridgedConsolidatedProfitandLossAccountofCentralBankofIndia for the year ending March 31, 2014

(Amount in Lac)PARTICULARS For the year

ended March 31, 2014 (Current Year)

For the year ended

March 31, 2013 (Previous Year)

IncomeInterest earnedOn advances/ bills 1,866,956.40 1,695,737.45On investments 576,505.26 477,896.72On balances with RBI and inter-bank funds 3,283.88 7,968.10Others 1,086.00 8,073.77Total 2,447,831.54 2,189,676.04Other incomeCommission, exchange and brokerage 82,168.47 81,625.56Net profit on sale of investments 45,536.69 38,287.50Net profit on sale of land, buildings and other assets (119.30) (64.71)Net profit on exchange transactions 19,872.37 6,087.72Income by way of dividends etc. from subsidiaries/ companies and/or joint ventures abroad/ in India

- -

Miscellaneous income 45,679.49 41,730.60Total 193,137.72 167,666.67

Total income 2,640,969.25 2,357,342.71ExpenditureInterest expendedOn deposits 1,639,692.52 1,494,664.55On RBI/ inter-bank borrowings 38,844.29 18,562.99Others 117,771.59 100,862.93Total 1,796,308.40 1,614,090.47Operating expensesPayments to and provisions for employees 354,148.61 289,522.18Rent, taxes and lighting 33,580.85 26,674.05Printing and stationery 4,729.80 3,050.77Advertisement and publicity 2,660.24 2,878.36Depreciation on bank's property 20,880.30 18,467.00Director's fees, allowances and expenses 129.11 138.81Auditor's fee and expenses (including branch auditors) 1,738.45 1,086.39Law charges 1,897.89 1,537.69Postage, telegrams, telephones etc. 5,296.63 3,678.37Repairs and maintenance 5,884.00 5,748.67Bad Debts Written Off 131.21 -Insurance 19,612.80 17,128.66Others 68,317.79 54,086.98Total 519,007.68 423,997.93

117



(amount in lac)

Provisions and contingenciesProvisions for depreciation on investment 10,618.10 16,224.47

Provision towards non performing assets 329,111.46 135,827.02

Provision towards standard assets (681.84) 9,176.06

Others (excluding income taxes) 84,173.10 23,874.22

Total 423,220.82 185,101.77

Total expenses and provisions 2,738,536.90 2,223,190.17

Profit/(loss)beforetax (97,567.64) 134,152.54Current tax 27,647.70 50,766.19

Deferred tax (64.13) (19,625.29)

Profit/(loss)aftertax (125,151.21) 103,011.64Add: Share of earnings in Associates 4,230.89 4,134.25

Less Minority Interest (402.16) (407.59)

Less:ProfitpreAcquisition (14.71) -

GroupProfit (121,337.19) 106,738.29

Profit/Lossbroughtforward 24,136.67 22,988.89LessDecreaseinbroughtforwardConsolidatedProfitduetotransferofInvestment in Associates

(5,261.48) (3,721.42)

Total (102,462.00) 126,005.76AppropriationsTransfer to :

Statutory Reserve - 25,373.99

Investment Reserve 4,253.68 3,752.16

Staff Welfare Fund - 4,047.00

Revenue Reserves 79.00 20,116.00

Proposed Dividend - Preference Capital - 15,049.93

Proposed Dividend - Equity Capital - 26,114.42

Fund in lieu of Insurance - 200.00

Dividend Tax 79.95 6,993.72

Special Reserve u/s 36 (1) (viii) 312.70 221.87

Balance carried forward to balance sheet (107,187.33) 24,136.67

B.K. DivakaraExecutive Director

Animesh Chauhan Executive Director

R.K. GoyalExecutive Director

Rajeev Rishi Chairman & Managing Director

118








Ms. N.S. RATHNAPRABHA DIRECTOR

S. B. RODE DIRECTOR



F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.023488

(CA MUKESH GOYAL) PARTNER

M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY) PARTNER

M.No.012940


M.No.050708

(CA S. S. MOHAPATRA ) PARTNER

M.No.061619

Place : Mumbai

Date: May 20, 2014


119


NOTES TO ABRIDGED CONSOLIDATED FINANCIAL STATEMENTS OF CENTRAL BANK OF INDIA FOR THE YEAR ENDED MARCH 31, 2014

1. Basis of Preparation:

The abridged Consolidated Financial Statements have been prepared on the basis of the audited consolidated financial statements of the Bank & its subsidiaries & associates for the year ended March 31, 2014 (hereinafter referred to as ‘Consolidated Financial Statements’) pursuant to Rule 7A of the Companies (Central Government’s) General Rules and Forms, 1956 and as notified by Ministry of Finance, Government of India vide its letter No.F.No.7/116.2012-BOA dated August 1, 2012.

2. Significant Accounting Policies:

Significant accounting policies of the Bank including the basis of preparation of consolidated accounts are contained in Schedule 17 of the ‘Consolidated Financial Statements’.

3. Notes to Accounts and other disclosures are contained in Schedule 18 of the Consolidated Financial Statements. However, notes and disclosures where there is change in accounting policy or are inviting qualification or attention in the Auditors’ Report are given in para 4, 5 & 6 below:

4. Recovery in NPA:

Due to change in accounting policy No. 7 (b) of Consolidated Financial Statement regarding appropriation of recoveries in NPAs first towards principal irregularity as against first towards interest w.e.f. 01.07.2013, the interest income for the year and advances are lower and loss for the year is more by ` 223.50 crore.

In view of the RBI circular No. RBI/2013-14/502 dated 26.02.2014, in case of sale to SCRC for a value higher than NBV, the excess provision to the extent of cash recovery amounting to ` 77 crore has been taken to the credit of Profit & Loss Account which as per the extant accounting policy would have been retained in excess provision. The resultant impact is that the profit for the year is more by ` 77 crore and provision is less to that extent.

5. In the year 2010-11, in accordance with circular No. DBOD No. BP.BC.80/21.04.018/2010-11, dated 09-02-2011 issued by Reserve Bank of India, the Bank had opted to amortize the additional liability on account of re-opening of Pension option for existing employees who had not opted for pension earlier, as well as the liability on enhancement in Gratuity limit, over a period of five years beginning with the financial year ended 31st March, 2011. Accordingly, out of the unamortized amount of `590.77 crore as on 1st April, 2013, the Bank has amortized `239.99 crore for Pension and `55.40 crore for Gratuity being proportionate amount during the year ended March 31, 2014. The balance amount to be amortized in future periods for Pension is `239.98 crore and for Gratuity is `55.40 crore.

6. Note No. 5.4 (g) of Schedule 18 to the Consolidated Financial Statement, which describes the accounting treatment of the expenditure on 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 dated 20th December 2013.

7. The accounting year of the Associate, viz. Indo Zambia Bank is calendar year. [Note No. 3.1.d of Schedule 17 to the consolidated Financial Statements]

B.K. Divakara Executive Director

Animesh Chauhan Executive Director

R.K. GoyalExecutive Director

Rajeev Rishi Chairman & Managing Director








S. B. RODE DIRECTOR


120



F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.023488

(CA MUKESH GOYAL) PARTNER

M.No.081810


F.R. No.301075E


F.R. No.301032E

For B.N.MISRA & CO. CHARTERED ACCOUNTANTS

F.R. No.321095E

(CA M. RAY) PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 20, 2014

121


CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2014

(` In Crore)Sn Particulars 31- 03- 2014 31-03-2013A CASH FLOW FROM OPERATING ACTIVITIES

NetProfitbeforetaxes (975.67) 1,341.59I Adjustments for:

Depreciation on fixed assets 208.81 184.67

Depreciation on investments (including on matured debentures) 256.56 (162.25)

Bad Debts written off/Provision in respect of non performing assets 3,291.16 1,358.27

Provision for Standard Assets 690.10 663.70

Provision for Other items (Net) (5.62) 5.85

Interest on Income Tax (net) (10.87) 80.77

Profit / Loss on sale of fixed assets (Net) 1.19 0.65

Payment/ provision for interest on subordinated debt (treated separately) 642.26 582.86

Loss on redemption of investment 0.01 -

Interest on JNY coupons 5.17 -

Sub total 4,103.10 4,056.11II Adjustments for :

Increase / (Decrease) in Deposits 14,125.44 29,983.75

Increase / (Decrease) in Borrowings 3,741.26 5,476.69

Increase / (Decrease) in Other Liabilities and Provisions 2,760.79 (38.50)

(Increase) / Decrease in Advances (9,429.83) (26,625.83)

(Increase) / Decrease in Investments (13,778.82) (13,188.54)

(Increase) / Decrease in Other Assets (3,301.86) (120.04)

Direct Taxes paid (Net of Refund etc) (709.80) (638.99)

Net Cash from operating activities (A) (6,592.82) (5,151.45)NET CASH FLOW FROM OPERATING ACTIVITIES (2,489.72) (1,095.35)

B CASH FLOW FROM INVESTING ACTIVITIESSale / Disposal of Fixed Assets 49.51 43.37

Purchase of Fixed Assets (405.14) (469.67)

Investment in RRBs (13.41)

NET CASH FLOW FROM INVESTING ACTIVITIES (369.04) (426.30)

C CASH FLOW FROM FINANCING ACTIVITIESShare Capital 1,801.90 2,406.00

Dividend - Equity shares Inculding Interim Dividend (1.22) (275.82)

Dividend Tax (0.65) (44.45)

Interest on JNY Swap coupon (5.17) (6.66)

Interest on Subordinated Debt (642.26) (582.86)

NET CASH FLOW FROM FINANCING ACTIVITIES 1,152.60 1,496.21

D Net increase in cash & cash equivalents (A + B + C) or (F - E) (1,706.16) (25.44)

122


(` In Crore)Sn Particulars 31- 03- 2014 31-03-2013

E CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEARCash and Bank Balance with RBI 13,560.17 13,114.25

Balance with Banks and Money at Call and Short Notice 532.31 1,012.42

Net cash and cash equivalents at the beginning of the year 14,092.48 14,126.67

F CASH AND CASH EQUIVALENTS AT THE END OF THE YEARCash and Bank Balance with RBI 11,926.63 13,560.17

Balance with Banks and Money at Call and Short Notice 459.69 532.31

Net cash and cash equivalents at the end of the year 12,386.32 14,092.48





Director








S. B. RODE DIRECTOR



F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.023488


M.No.081810


F.R. No.301075E


F.R. No.301032E


F.R. No.321095E

(CA M. RAY) PARTNER

M.No.012940


M.No.050708


M.No.061619

Place : Mumbai

Date: May 20, 2014

CONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED MARCH 31, 2014

123


FORM ‘B’

PROXY FORM(To be filled in and signed by the shareholder)

7th Annual General MeetingFolio No. or DP Id # / Client-Id #

No. of Shares held

I/We, resident of in the district

of in the State of being a shareholder /shareholders of

Central bank of India hereby appoint Shri/Smt.

resident of

in the district of in the State of or failing him/

her, 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 7th ANNUAL GENERAL MEETING of the shareholders of CENTRAL BANK OF INDIA to be held on

Monday, 30th June, 2014 at 11.00 AM at Sir Sorabji Pochkhanawala Banker’s Training College, Nr. Cooper Hospital/Reliance

Energy Office, JVPD Scheme, Vile Parle (West), Mumbai – 400 056 and at any adjournment thereof.

Signed this day of 2014.

Signature of the Proxy

Signature of the first named/ sole Shareholder

Name

(in Block Letters)

Address

Central Bank of IndiaHead Office : Chandermukhi, Nariman Point, Mumbai 400021

Please affix

revenue stamp

124


INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM1. No instrument of proxy shall be valid unless:

a) in the case of an individual shareholder, it is signed by him or by his/her attorney duly authorised in writing.

b) In case of joint holders, it is signed by the shareholder first named in the Register of Members or by his/her attorney,

duly authorised in writing.

c) In the case of a body corporate, it is signed by its officer or an attorney duly authorised in writing.

2. An instrument of Proxy shall be sufficiently signed by any shareholders who is for any reason , unable to write his/her

name, if his/her thumb impression is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of

Assurance or other Government Gazetted Officer or an officer of Central Bank of India.

3. No Proxy shall be valid unless it is duly stamped and is deposited at the Head Office of the Bank situated at Chandermukhi,

Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on or before 5.00 PM on

25th June, 2014, together with the Power of Attorney or other Authority (if any) under which it is signed or a copy of that

Power of Attorney or other Authority Certified as True Copy by a Notary Public or a Magistrate unless such a Power of

Attorney or any other Authority is previously deposited and registered with the Bank.

4. An instrument of Proxy deposited with the Bank shall be irrevocable and final.

5. In the case of an instrument of Proxy granted in favour of two grantees in the alternative, not more than one form shall be

executed.

6. The shareholders who have executed an instrument of Proxy shall not be entitled to vote in person at the meeting to which

such instrument relates.

7. No person shall be appointed a duly authorised representative or a proxy who is an officer or an employee of the Bank.

8. All alterations in the Proxy Form should be duly initialed by the executant.

9. No instrument of Proxy shall be valid unless it is in ‘Form B’.

Orie

nt P

ress

Ltd

.

abridged annual report 2013-14 annual... · 2019. 12. 17. · h¡. ` ` ` `` ``` ` ` `` `` `` `` ``...

Documents