Central Bank of India-Annual Report 2011-12

meHeuelee kes meesHeeve
ùeesiees' efkemeer Yeer mebieve kes JewefMe<e kees meceeefnle kejlee nw Deewj
yeenjer ogefveee kes mece#e Fmes Heefleefyeefcyele kejlee nw. GYejleer Yeejleere
DeLe&JeJemLee kes HeefjJeefle&le HeefleceeveeW kes HeefjHes#e ceW, mesvûe yeQke
Dee@He Fbef[ee kee meceie mJeHe Yeer Je<e&-oj-Je<e& Heebleefjle neslee jne
nw, pees mecee kes meeLe meecebpeme yeveees jKeves keer Fmekeer #ecelee kee
meteke nw.
The logo captures the personality of an organization

and projects it to the outside world. In keeping
with the shifting paradigms and the evolving Indian
Economy, Central Bank of India's personality has also
morphed through the years to represent the Bank's
ability to keep up with the times.
THE MARK OF SUCCESS
mesvûe yeQke Dee@He Fbef[ee efyeefu[bie kee Meeveoej yeee mJeHe oMee&ves Jeeuee en
ùeesiees' efJeemeveerelee Deewj cepeyetleer kees efeef$ele kejlee nw.
Logo in the form of magnificent Central Bank of India
building structure depicted dependability and solidity.
yeQke keer Heneeve oMee&ves Jeeues Deeee#ejeW kees efeef$ele

kejves kes efueS ùeesiees' kees mebMeesefOele efkeee ieee.
Logo was revised to depict its initials identifiable with the Bank
ùeesiees' kees veee yeveeee ieee, efpememes Deewj DeefOeke

kee@Heexjs SJeb mece-meeceeefeke efJe Hemlegle keer pee mekes.
Logo was given a make-over to give it a more
corporate and contemporay look.
ùeesiees' ceW HeefeeW meefnle eej Jeie& Jeefkele, efJee, Geesie SJeb je<^ kes yeere HejmHej HeYeeJeer
Debleme&cyebOeeW kees Gpeeiej kejles ngS yeQke eje Heoe mesJeeDeeW leLee osMe keer DeLe&JeJemLee ceW Gmekeer
Yetefcekee kees HeefleeEyeefyele kejlee nw.
The four Squares in the logo with bars that represent the Man, Finance,
Industry and Nation evolving their two way effective interrelationship
reflects the services rendered by the bank and its role in the economy.
Jeeef<e&ke efjHees& 2011-12
efJe<ee-meteer/Contents
DeOe#e SJeb HeyebOe efveosMeke kee mebosMe............................................................................................... 2
efveosMeke ceb[ue / Board of Directors ....................................................................................... 4
veesefme.................................................................................................................................... 5
efveosMeke efjhees& 2011-12............................................................................................................ 7
HeyebOeleb$e efJeeej-efJeceMe& leLee efJeMues<eCe........................................................................................... 11
kee@heexjs ieJeveXme....................................................................................................................... 35
Yeejle kes je^heefle kees uesKee hejer#ekeeW keer efjhees&............................................................................... 51
efoveebke 31 ceee&, 2012 kee legueve he$e.......................................................................................... 52
efoveebke 31 ceee&, 2012 kees meceehle Je<e& kes efueS ueeYe SJeb neefve Keelee . ................................................. 53
legueve he$e keer Devegmetefeeeb........................................................................................................... 54
ueeYe SJeb neefve Keeles keer Devegmetefeeeb.............................................................................................. 59
cegKe uesKeebkeve veerefleeeb.............................................................................................................. 60
uesKeeW mes mecyebefOele efhheefCeeeb....................................................................................................... 63
efoveebke 31 ceee&, 2012 kees meceehle Je<e& kes efueS vekeo HeJeen efJeJejCe..................................................... 82
efoveebke 31 ceee&, 2012 kee mecesefkele legueve he$e.............................................................................. 98
Hee@kemeer Hee@ce&.......................................................................................................................... 121
GheefmLeefle heeea, HeJesMe he$e........................................................................................................ 122
Chairman & Managing Director's Message................................................................... 124
Notice............................................................................................................................... 126
Directors' Report 2011-2012........................................................................................... 129
Management Discussion and Analysis........................................................................... 133
Corporate Governance.................................................................................................... 157
Auditors' Report to the President of India.................................................................... 173
Balance Sheet as on 31st March, 2012........................................................................... 174
Profit & Loss Account for the year ended 31st March, 2012........................................ 175
Schedules to Balance Sheet............................................................................................ 176
Schedules to Profit & Loss Account................................................................................ 181
Principal Accounting Policies.......................................................................................... 182
Notes Forming Part of the Accounts.............................................................................. 185
Cash Flow Statement for the year ended March 31, 2012........................................... 204
Consolidated Balance Sheet as on March 31, 2012....................................................... 220
Proxy Form....................................................................................................................... 243
Attendance form, Entry Form........................................................................................ 244
DeOe#e SJeb HeyebOe efveosMeke kee mebosMe
efee Mesejnesu[j,
en cesje meewYeeie nw efke cegPes efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS Jeeefe&ke efjHees& emlegle kejves kee DeJemej eoeve efkeee ieee nw.
meyemes Henues, ceQ DeeHekees Fme yeele keer yeOeeF& oslee ntb efke DeeHekes Fme ceneve yeQke ves nceejs ceneve osMe kes nj leyekes kes ueesieeW keer
ye][er levceeleeHetJe&ke mesJee kejles ngS DeHeves keee&keeue kes 100 Jee& Hetjs efkees nQ. yeQke ves Hetjs osMe ceW efmLele DeHeves meYeer keeee&ueeeW SJeb
MeeKeeDeesb kes ceeOece mes Meleeyoer ceneslmeJe ceveeee nw. Meleeyoer Jee& kes oewjeve, osMe keer jepeOeeveer, veF& efouueer Deewj DeeefLe&ke jepeOeeveer,
cegbyeF& ceW efJeMese meebmkeefleke keee&ece kee Deeeespeve efkeee ieee Lee. efouueer ceW efoveebke 21 efomecyej, 2011 kees Deeeesefpele keee&ece ceW
eer eCeye cegKepeea, ceeveveere efJelle ceb$eer, Yeejle mejkeej, eer vecees veejeeCe ceerCee, efJelle jepe ceb$eer, Yeejle mejkeej, eer [er.kes.efcelleue
(DeeF&SSme), meefeJe, efJelleere mesJeeSb efJeYeeie, efJelle ceb$eeuee, Yeejle mejkeej keer ieefjceecee GHeefmLeefle jner. Fme DeJemej Hej efvecve DeefYeveJe
Henue keer ieF& :
100 MeeKeeDeesb kee MegYeejbYe.
yeQke keer Fefleneme Hegefmlekee kee efJeceeseve.
efJelleere mee#ejlee SJeb $eCe HejeceMe& kesv, keese kee GoIeeve.
iesJes t eeFce efceefvemj efjueerHe Heb[ JesyemeeF kee MegYeejbYe.
DeHeves peerJeve kes 8 mes DeefOeke oMekeeW kee He][eJe meHeueleeHetJe&ke Heej kej egkes nceejs meoeyenej ieenkeeW kee melkeej.
cegbyeF& ceW Yeer efoveebke 26 efomecyej, 2011 kees Ske YeJe meceejesn kee Deeeespeve efkeee ieee, efpemekes cegKe DeefleefLe ceneje^ jepe kes cegKeceb$eer,
eer HeLJeerjepe eJneCe Les. Fme meceejesn kes oewjeve Gvekes kejkeceueeW mes 100JeW SerSce kee GoIeeve, yeQke keer iegceveece eefleYeeDeesb SJeb meebieJeer
ceesne[er ieebJe kes ieece eOeeve kee melkeej efkeee ieee. Fme DeJemej Hej eefleefle JeerDeeF&Heer ieenkeeW SJeb HetJe& Meere& keee&HeeuekeeW kees Yeer mecceeefvele
efkeee ieee. Fve meceejesneW kes Deeeespeve kee megHeefjCeece en jne efke nce DeHeveer Fme ceneve mebmLee keer yeeb[ efveefce&efle kes eeespeve ceW meHeue jns.
Deye DeeHekee yeQke, osMe ceW Ske meJeexlke yeQefkebie yewb[ nesves kee oeJee kej mekelee nw.
yeerles ngS Jee& kes oewjeve Jewefeke SJeb nceejs osMe kes DeeefLe&ke SJeb jepevewefleke Heue Hej keF& eefleketue IeveeSb Ieefle ngF&b pewmes, Yegieleeve meblegueve SJeb
kees lesue kes cetue ceW eefleketuelee, etSme [e@uej kes mece#e HeS kee DeJecetueve, peer[erHeer Jeef oj ceW ueieeleej efiejeJe, cegemHeerefle - efkemeer
Yeer Henuet mes Fve Hej ieewj kejW lees efmLeefle egveewleerHetCe& ner Leer. Fve leceece eefleketue HeefjefmLeefleeeW kes yeeJepeto, DeeHekes yeQke ves Heefjeeueve ueeYe kes
#es$e ceW Heee&Hle Jeef oMee&F& nw, neueebefke pecee SJeb DeefieceeW kes Debleie&le Jeef oj meeceeve jner. mebmeeOeveeW Hej yeepe oj ceW ngF& Jeef Yeer Deee Hej
ceeefpe&ve ceW ngF& keceer kee Ske keejCe yeveer. HeCe JemlegDeesb kes cetue ueieeleej Gemlejere yeves jns Deewj Fmekeer Jepen mes Yeejleere efj]peJe& yeQke kees
cepeyetjve veerefleiele ojeW ceW eefceke He mes Jeef kejveer He][er. etjes ]peesve ueieeleej kecepeesj neslee jne Deewj mebYeJele: Jen DeHeves meJee&efOeke kecepeesj
mlej leke Hengbe ieee.
cegemHeerefle ceW peyejomle Jeef Deewj cetue cegemHeerefle (keesj FvHeuesMeve) ves DeLe&JeJemLee keer efJekeeme eefeee kees Deewj DeefOeke #eefle HengbeeF&.
Yeejleere efj]peJe& yeQke kes cegemHeerefle HeeflejesOeer GHeeeeW ves efJelleere Jee& kes oewjeve DeefOekeebMe mecee veerefleiele ojeW kees kece kejves keer efmLeefle
GlHevve veneR nesves oer. efHeues Jee& kes oewjeve 5.4% keer Jeef kes meeLe keefe SJeb Devegebieer ieefleefJeefOeeeW kes Debleie&le jskee@[& Keeeevve keer HewoeJeej
kes yeeJepeto, DeeHetefle& SJeb Yeb[ejCe mebyebOeer eefleketue HeefjefmLeefleeeW keer Jepen mes cenbieeF& kees jeskee veneR pee mekee. Hetjs Jee& kes oewjeve Deeweesefieke
GlHeeove ceW Jeef yengle kece jner. mekeue Iejsuet GlHeeo (peer[erHeer) eespeskeMeve kees eefceke He mes Ieeles ngS 6.9% kes mlej Hej ueeee ieee,
peyeefke Jee& 2010-11 kes oewjeve Jeef oj 8.6% Leer.
2

DeeHekes yeQke ves ` 3,46,898 kejes][ kee kegue JeJemeee Deefpe&le efkeee. yeQke ves DeHeveer keee&veerefleeeW ceW yeoueeJe ueeles ngS mHe He mes efjsue
JeJemeee kees eeLeefcekelee oer. Ge ueeiele keer peceeDeesb (DeLee&le kee[& js mes THej) SJeb pecee eceeCeHe$e kees petve, 2011 kes mlej leke ner
eefleyebefOele jKee ieee. ueeiele eyebOeve kes GsMe mes en keoce Geee ieee. efjsue $eCe Jeef kees DeefOeke cenlJe efoee ieee. efpeme yeQke keer 4000
MeeKeeDeesb mes DeefOeke MeeKeeSb nQ, Gmes efjsue yeQke nesvee ner eeefnS. nceejer keee&veerefleeeW kes HeefjCeece Deeves ueies nQ Deewj nce Deeieeceer efJelleere Jee&
ceW GuuesKeveere Jeef oMee&Sbies.
Jee& 2010-11 ceW yeQke keer efveefOe ueeiele 5.82% Leer, pees Jee& 2011-12 ceW ye{ kej 7.28% leke Hengbe ieF&. en ye{eslejer keceesyesMe yeQefkebie
Geesie ceW Heefjueef#ele ye{eslejer kes DeemeHeeme Leer. leLeeefHe, efveefOe ueeiele ceW leerJe Jeef kes yeeJepeto Meg yeepe Deee ceW cee$e ceecetueer keceer ope& ngF&
Deewj en ` 5326 kejes][ mes Ie kej ` 5169 kejes][ kes mlej leke Hengbe ieF&. SveHeerS ceW Deefleefjkele efmueHespe kes cesvepej efkees ieS ` 403
kejes][ kes yeepe efjJeme&ue kes keejCe en efmLeefle GlHevve ngF&.
DeeHekes yeQke kee Heefjeeueve ueeYe Jee&-oj-Jee& DeeOeej Hej 8.65% keer Jeef ope& kejles ngS, ` 2591 kejes][ mes ye{ kej ` 2815 kejes][ nes
ieee. leLeeefHe, SveHeerS SJeb Hegveie&efle KeeleeW ceW efkees ieS Ge eeJeOeeve keer Jepen mes, Meg ueeYe ` 1252 kejes][ mes Ie kej ` 533 kejes][
leke Hengbe ieee. Fmekee cegKe keejCe 100%efmemce peefvele SveHeerS Deewj ef[mkee@cme SJeb Jewceeefvekeer (SefJeSMeve) #es$e ceW nceeje Gemlejere
SkemHeespej Lee. #es$e ceW Deeweesefieke SJeb efJelleere yeepeej #es$eesb kees eYeeefJele kejves Jeeueer DeeefLe&ke efmLeefleeeW keer YeeeJenlee ves ve kesJeue DeeHekes
yeQke kees, yeefuke osMe kes meYeer yeQkeeW kees yegjer lejn mes eYeeefJele efkeee nw. Jee& kes oewjeve kegue ` 2685 kejes][ kee eeJeOeeve SJeb yeepe-eefleuesKeve
efkeee ieee.
3000
2815
Heefjeeueve ueeYe (` kejes[ ceW)
2591
2500
2058
2000
1437
1500
1266
1268
1000
500
ceee& 07
(efJe.Je.)
ceee& 08
(efJe.Je.)
ceee& 09
(efJe.Je.)
ceee& 10
(efJe.Je.)
ceee&11
(efJe.Je.)
ceee& 12
(efJe.Je.)
osMe kes meJee&efOeke ye][s meeJe&peefveke #es$e kes yeQkeeW ceW mes Ske yeQke DeLee&le mesvûe yeQke Dee@@He Fbef[ee kee veslelJe kejles ngS, ceQ ieewjJeeefvJele cenmetme
kejlee ntb. cegPes Fme yeele keer KegMeer nw efke ceQ peye Fme ceneve mebmLee mes peg][e, leye Jen DeHevee Meleeyoer ceneslmeJe cevee jner Leer. Fme leLe kes yeeJepeto
efke efJelleere HeefjCeece yengle ner ceecetueer jns nQ, Fme mebmLee ceW keF& iegCeelceke yesnlejer Heefjueef#ele ngF& nw. osMe kes Hetjs YetYeeie ceW 4011 MeeKeeDeesb kee
Hewuee ngDee vesJeke& Deewj 35000 mes DeefOeke ueesieeW kee keee&yeue DeeHekes yeQke kees Deeieeceer Jee& ceW Ske veF& TbeeF& eoeve kejsiee. yeQke kes meYeer
mskenesu[jeW kes efueS cetueJeOe&ve kes cetue ue#e kes GsMe kees Oeeve ceW jKeles ngS Deeieeceer efJelleere Jee& kes oewjeve efJeefYevve efJelleere HewjeceerjeW kee
Deekeueve efkeee ieee nw. DeeHekes eje efoes ieS efveyee&Oe meceLe&ve kes efueS ceQ DeeHekes eefle lensefoue mes DeeYeej Jekele kejlee ntb.
MegYekeeceveeDeesb meefnle,
DeeHekee,
ceesnve Jeer. ebkemeeues
mLeeve : cegbyeF&
efoveebke : 24 ceF&, 2012
3
efveosMeke ceb[ue
eer ceesnve Jeer. ebkemeeues

eerceleer Jeer. Deej. Deej
eer Deej. kes. ogyes
eer Deeueeske C[ve
eer meueerce iebieeOejve
eer jescesMe meYejJeeue
cespej (mesJeeefveJe=e) Jeso HekeeMe
eer iegceeve efmebn
Hees. Sve. yeeueke=<Ceve
eer ye=peueeue #eef$ee
eer yeer. Sme. jeceyeeyet
uesKee hejer#eke
ces. meeiej SC[ DemeesefMeSdme

ces. peer. Sme. S. SC[ DemeesefMeSdme
ces. [er. jbieemJeeceer SC[ kebheveer
ces. kes. Sme. Deej SC[ kebheveer
ces. efIeee SC[ kebheveer
ces. mewcemebo SC[ DemeesefMeSdme
jefpemêj SC[ Mesej êbmeHej Spesvdme
efuebke FveeFce Fbef[ee Hee. efue.

meer-13, hevveeueeue efmeuke efceume kebheeGv[
ueeue yeneogj Meem$eer ceeie&, Yeeb[ghe (heefMece),
cegcyeF& - 400 078
sueerHeesve vebyej : 022-25946970
Hewkeme vebyej : 022-25946969
F&-cesue : rnt.helpdesk@linkintime.co.in
yeQke kes meeLe he$eeeej kejves kes efueS helee
kebheveer meefeJe / SpeerSce SJeb Devegheeueve DeefOekeejer

mesvûe yeQke Dee@He Fbef[ee
16 JeeR cebefpeue, evojcegKeer,
vejerceve hee@Fb, cegbyeF& - 400 021
mecHeke& veb. 022-66387818
Hewkeme veb.: 022-22835198
F&-cesue DeeF&[er:1) compsec@centralbank.co.in
BOARD OF DIRECTORS
SHRI M. V. TANKSALE
SMT. V. R. IYER
SHRI R.K. DUBEY
SHRI ALOK TANDON
SHRI SALIM GANGADHARAN
SHRI ROMESH SABHARWAL
MAJOR (RETD.) VED PRAKASH
SHRI GUMAN SINGH
PROF. N. BALAKRISHNAN
SHRI BRIJLAL KSHATRIYA
SHRI B. S. RAMBABU
AUDITORS
M/s Sagar & Associates
M/s G. S. A. & Associates
M/s D. Rangaswamy & Co.
M/s K. S. Aiyar & Co.
M/s Ghiya & Co.
M/s Samsand & Associates
REGISTRAR AND SHARE TRANSFER AGENTS

Link Intime India Pvt. Ltd.
C-13, Pannalal Silk Mills Compound
LBS Marg, Bhandup (West)
Mumbai - 400 078
Tel : 022-25946970
Fax : 022-25946969
Email id : rnt.helpdesk@linkintime.co.in
ADDRESS FOR CORRESPONDENCE WITH THE BANK

Company Secretary / AGM and Compliance Officer
Central Bank of India
16th Floor, Chandermukhi,
Nariman Point, Mumbai- 400 021
Contact No. 022-66387818
Fax No. : 022-22835198
Email Id:
2) investors@centralbank.co.in
1) compsec@centralbank.co.in
2) investors@centralbank.co.in
HeOeeve keeee&uee, ebojcegKeer, vejerceve Hee@Fb, cegbyeF& - 400 021
metevee
Sleodeje en metefele efkeee peelee nw efke meWûe yeQke Dee@He Fbef[ee kes MesejOeejkeeW keer hee@eJeeR Jeee|<eke meeOeejCe yewke yegOeJeej, efoveebke 27 petve, 2012 kees meeeb:
4.00 yepes mej meesjeyepeer heeseKeeveeJeeuee yeQkeme& heefMe#eCe ceneefJeeeuee, kethej ne@eqmheue / efjueeebme Svepeea keeee&uee kes heeme, pes.Jeer.heer.[er. mkeerce, efJeues heeuex
(heefMece), cegbyeF& - 400 056 ceW efvecveefueefKele keejesyeej kes mebheeove nsleg Deeeesefpele keer peeSieer.
1.
efoveebke 31 ceee&, 2012 kee uesKeehejeref#ele leguevehe$e, efoveebke 31 ceee&, 2012 kees meceehle Je<e& kes efueS ueeYe-neefve Keelee, uesKeeW eje DeeJe=le DeJeefOe ceW yeQkeeW
kes keeeeX SJeb ieefleefJeefOeeeW hej efveosMeke ceb[ue keer efjhees& SJeb uesKeeW leLee leguevehe$e hej uesKeehejer#eke keer efjhees& hej eee&, Devegceesove leLee FvnW mJeerkeej kejvee.
2.
efJeeere Je<e& 2011-12 kes efueS ueeYeebMe keer Iees<eCee kejvee.
efveosMeke ceb[ue kes DeeosMe mes
(S. kes. oeme)
meneeke ceneheyebOeke-Sceyeer[er/
kebheveer meefeJe
mLeeve: cegbyeF&
efoveebke: 08.05.2012
vees :
1.
2.
3.
4.
5.
6.
hee@kemeer keer efveegefe:

yewke ceW GheeqmLele nesves SJeb celeoeve kejves kes hee$e MesejOeejke, Deheves yeoues yewke ceW GheeqmLele nesves SJeb celeoeve kejves nsleg efkemeer hee@kemeer kees efveege kej
mekeles nQ Deewj Ssmes efveegkee hee@kemeer kee, yeQke kee MesejOeejke nesvee DeeJeMeke veneR nw.
hee@kemeer kees efveege kejves mebyebOeer efueKele, evojcegKeer, vejerceve hee@bFb cegbyeF& - 400 021 eqmLele heOeeve keeee&uee ceW yewke keer leejerKe mes kece mes kece eej efove
hetJe& DeLee&le efoveebke 22 petve , 2012 kees meeeb. 5.00 yepes ee Fmekes hetJe& pecee keer peeveer eeefnS.
heeefOeke=le heefleefveefOe keer efveegefe:
yeQke kes MesejOeejke efkemeer kebheveer DeLeJee efveieefcele efvekeee kes efJeefOeJele heeefOeke=le heefleefveefOe kes he ceW keesF& Jeeqkee mesvûe yeQke Dee@He Fbef[ee kes MesejOeejkeeW
keer yewke ceW GheeqmLele nesves DeLeJee celeoeve kejves nsleg leye leke hee$e veneR nesiee, peye leke efke Gme yewke, efpemeceW Gmes efJeefOeJele he mes heeefOeke=le heefleefveefOe
efveege efkeee ieee nes, kes DeOe#e eje heceeefCele mebkeuhe keer heefle evojcegKeer, vejerceve hee@Fb, cegbyeF& - 400 021 ceW eqmLele yeQke kes heOeeve keeee&uee ceW yewke
keer efveele leejerKe mes kece mes kece eej efove hetJe& DeLee&le efoveebke 22 petve, 2012 kees meeeb. 5.00 yepes ee Gmekes hetJe& leke hemlegle ve kej oer peeS.
yeQke kes efkemeer Yeer DeefOekeejer ee kece&eejer kees efkemeer MesejOeejke kee hee@kemeer ee heeefOeke=le heefleefveefOe efveegkee veneR efkeee peeSiee.
GheeqmLeefle heeea-men-heJesMe heeme:
MesejOeejkeeW keer megefJeOee kes efueS Fme metevee kes meeLe GheeqmLeefle heeea-men-heJesMe heeme mebueive efkeee ieee nw. MesejOeejkeeW/hee@kemeer OeejkeeW/heeefOeke=le
heefleefveefOeeeW mes DevegjesOe nw efke FmeceW GheueyOe kejeS ieS mLeeve hej Deheves nmlee#ej kejW Deewj yewke mLeue hej Fmes meeQhe oW. MesejOeejkeeW kes hee@kemeer/heeefOeke=le
heefleefveefOeeeW kees GheeqmLeefle heeea-men heJesMe heeme ceW Hee@kemeer DeLeJee HeeefOeke=le HeefleefveefOe, pewmee Yeer ceeceuee nes, kee GuuesKe kejvee eeefnS leLee GvnW,
MesejOeejke mes Deheves nmlee#ej meleeefhele keje kej Deheveer heefneeve kee mee#e meeLe ceW jKevee eeefnS.
MesejOeejkeeW kes jefpemj kee yebo nesvee :
MesejOeejkeeW kes ueeYeebMe keer hee$elee lee kejves kes efueS MesejOeejkeeW kee jefpemj SJeb Mesej DeblejCe yeefneeb, efoveebke 23 petve, 2012 (MeefveJeej) mes 27 petve,
2012 (yegOeJeej) (oesveeW efove Meeefceue nw) leke yebo jnWieer. Fueskeê@efveke mJehe ceW jKes ieS MesejOeejkeeW kees ueeYeebMe kee Yegieleeve MegeJeej, efoveebke 22 petve,
2012 kees ef[hee@efpejer eje GheueyOe kejeS ieS [ee kes Devegmeej SJeb Gve MesejOeejkeeW, efpevekes heeme Yeewefleke he ceW Mesej nw, kees ueeYeebMe kee Yegieleeve, yeQke
keer Jeee|<eke meeOeejCe yewke keer leejerKe kees jefpemêj SJeb êbmeHej SpeW eje GheueyOe kejeF& ieF& meteer kes Devegmeej efkeee peeSiee. ueeYeebMe yewke keer leejerKe
mes Ske ceen kes Deboj hesef<ele efkeS peeSbies.
ueeYeebMe DeLeJee Fueskeê@efveke eqkeueeeEjie mee|Jeme (F&meerSme) kes efueS yeQke-DeefOeosMe:
ueeYeebMe kes kehehetJe&ke Yegieleeve mes MesejOeejkeeW kees yeeeves kes efueS, MesejOeejkeeW mes DevegjesOe nw efke Jes Gme yeQke kee veece, MeeKee leLee Deheveer Keelee mebKee
metefele kejW, efpemeceW Jes ueeYeebMe Jeejb kees Yegveeves nsleg pecee kejevee eenles nQ.
5
7.
8.
9.
MesejOeejke kes veece meefnle Fve efJeJejCeeW kees ueeYeebMe Jeejb kes eske Jeeues efnmmes hej cegefle efkeee peeSiee, leeefke ueeYeebMe efkemeer Deve kes eje ve Yegveeee pee
mekes.
Gheeg&kee efJeJejCe heLece / Skeue MesejOeejke eje he= mebKee DeLeJee [erheerDeeF&[er vecyej SJeb ieenke veb leLee Oeeefjle MesejeW keer mebKee kee GuuesKe kejles ngS
meerOes jefpemêj SJeb êbmeHej SpeW / [erheer kees efoveebke 22 petve, 2012 kees ee Gmekes hetJe& metefele efkeee peeS.
eefo MesejOeejke keesF& Yeer mebMeesOeve metefele veneR kejles nQ lees [erces MesejOeejke kes ceeceues ceW hetJe& ceW jefpemêj mes heehle yeQke DeefOeosMe DeLeJee SveSme[erSue/
meer[erSmeSue mes efkeS ieS [eGveuees[ keer efoveebke 22 petve, 2012 keer eqmLeefle kes DeeOeej hej ueeYeebMe cegefle efkeee peeSiee. en Gve meYeer MesejOeejkeeW hej
ueeiet nesiee, efpevneWves F&meerSme DeefOeosMe veneR efoS nQ.
efJeefvee|o MenjeW ceW jnves Jeeues Ssmes MesejOeejke, efpevekee mesvûe yeQke keer MeeKeeDeeW ceW Keelee nw, GvnW yeQke, F&meerSme keer meerOeer pecee megefJeOee heoeve kejlee nw.
Ssmes MesejOeejke ueeYeebMe keer pecee heeeqhle kes efueS yeQke DeefOeosMe heCeeueer kes mLeeve hej Fme megefJeOee kee Gheeesie kej mekeles nQ. MesejOeejkeeW kees eeefnS efke Jes
Dehevee Keelee vebyej Deewj Deheves yeQke keer MeeKee kee DeeF&SHeSme kees[ F&meerSme DeefOeosMe ceW oW, leeefke ueeYeebMe Gvekes efJeefvee|o Keeles ceW Debleefjle efkeee pee mekes.
efpeve egeEveoe kesveW hej SveF&SHeer / SveF&meerSme megefJeOee GheueyOe nw, Jeneb Gvekes ceeOece mes Yegieleeve efkeee peeSiee.
DeoeJeeke=le ueeYeebMe, eefo keesF& nw:
Jes MesejOeejke, efpevneWves efheues Je<e& DeLee&le 2010-2011 mes Deeies kes Deheves ueeYeebMe veneR YegveeS nQ ee efpevnW ueeYeebMe heehle veneR ngS nQ, Gvemes DevegjesOe nw efke
Jes yeQke kes jefpemêj SJeb Mesej êbmeHej SpeW mes [ghueerkes ueeYeebMe peejer kejves kes efueS mebheke& kejW.
yeQeEkeie kebheveer (GheeceeW kee DeefOeienCe SJeb DeblejCe), DeefOeefveece 1970 keer Oeeje 10 yeer ceW ngDee mebMeesOeve en heeJeOeeve kejlee nw efke Deheoe ueeYeebMe Keeles
ceW DeblejCe keer leejerKe mes 7 Je<eeX keer DeJeefOe leke eefo ueeYeebMe keer jeefMe Deoe DeLeJee DeoeJeeke=le jnleer nw lees Jen jeefMe kebheveer DeefOeefveece, 1956 keer Oeeje
205 meer kes Debleie&le kesv mejkeej eje mLeeefhele efveJesMeke efMe#ee SJeb megj#ee efveefOe (DeeF&F&heerSHe) ceW Debleefjle kej oer peeSieer Deewj lelheeele Fme Yegieleeve
kes meboYe& ceW keesF& oeJee ve lees yeQke Deewj ve ner DeeF&F&heerSHe hej ueeiet nesiee.
heles SJeb ueeYeebMe DeefOeosMe ceW heefjJele&ve :
pees MesejOeejke Deheves Mesej Yeewefleke he ceW jKes ngS nQ, Gvemes DevegjesOe nw efke eefo Jes ueeYeebMe Jeejb ceW Deheves heles, ueeYeebMe DeefOeosMe leLee yeQke kes efJeJejCe,
MeeKee Deewj yeQke Keelee vebyej ceW keesF& heefjJele&ve meceeefJe kejvee eenles nQ, lees Jes yener yebo nesves mes hetJe& efvecve heles hej metefele kejW:
eEueke FveeFce Fbef[ee hee. efue.
etefve: mesvûe yeQke Dee@He Fbef[ee
meer-13, heVeeueeue efmeuke efceume kebheeGb[
SueyeerSme ceeie&, Yeeb[ghe (heeqece),
cegbyeF& - 400 078
Heesve: (022) 25946970
Hewkeme: (022) 25946969
F&-cesue: rnt.helpdesk@linkintime.co.in
efpeve MesejOeejkeeW ves Deheves Mesej Fueskeê@efveke mJehe ceW jKes ngS nQ, Gvemes DevegjesOe nw efke Jes Deheves heles, ueeYeebMe DeefOeosMe SJeb yeQke kee efJeJejCe, MeeKee Deewj
yeQke Keelee vebyej ceW mes eefo keesF& Yeer heefjJele&ve, ueeYeebMe, Jeejb ceW meceeefJe kejvee eenles nw, lees efmeHe& Deheves menYeeieer ef[hee@efpejer kees ner metefele kejW keeeWefke
kesJeue efoveebke 22 petve, 2012 leke ef[hee@efpejer eje GheueyOe kejeF& ieF& metevee hej ner ueeYeebMe kes Yegieleeve SJeb mebefJelejCe hej efJeeej efkeee peeSiee.
MesejOeejkeeW mes DevegjesOe:
MesejOeejkeeW mes DevegjesOe nw efke Jes Jeee|<eke efjhees& keer mebueive heefle Deheves meeLe ueeSb.
efveosMeke ceb[ue kes DeeosMe mes
(S. kes. oeme)
meneeke ceneheyebOeke-Sceyeer[er/
kebheveer meefeJe
mLeeve: cegbyeF&
efveosMeke efjHees& 2011-12

mecceeveveere meomeieCe,
DeeHekes efveosMekeeW kees efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS yeQke keer Jeeefe&ke efjHees& kes meeLe uesKeeW kee uesKee Hejeref#ele efJeJejCe, ueeYe SJeb neefve Keeles leLee
vekeo eJeen efJeJejCe kees emlegle kejles ngS emevvelee nw.
1.
keee&-efveHeeove JewefMede
yeQke kee kegue JeJemeee 11.63 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS ` 36135 kejes][ keer Jeef kes meeLe iele Jee& kes ` 310763
kejes][ mes ye{kej ` 346898 kejes][ nes ieee.
kegue peceejeefMeeeb 9.38 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS ` 16817 kejes][ keer Jeef kes meeLe ` 196173 kejes][ nes ieF&.
yeQke kee mekeue Deefiece 14.70 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS ` 19318 kejes][ keer Jeef kes meeLe ` 150725 kejes][ nes ieee.
Heefjeeueve ueeYe 8.65 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS Jee& 2010-11 kes ` 2591 mes ye{kej ` 2815 kejes][ nes ieee.
Meg ueeYe Jee& 2010-11 kes ` 1252 kejes][ keer leguevee ceW Jee& 2011-12 ceW ` 533 kejes][ ngDee.
Hetbpeer Heee&Hlelee DevegHeele (yesmeue-II kes Devegmeej) efHeues Jee& kes 11.68 eefleMele mes ye{kej 12.40 eefleMele nes ieee.
ves JeLe& ` 6909.54 kejes][ mes ye{kej ` 10550.44 kejes][ nes ieF&.
yeQke kee mekeue SveHeerS ` 4879 kejes][ keer Jeef kes meeLe iele Jee& kes ` 2394 kejes][ mes ye{kej ` 7273 kejes][ nes ieee. eefleMele kes efuenepe mes
mekeue SveHeerS iele Jee& kes 1.82 eefleMele mes ye{kej 4.83 eefleMele nes ieee.
Meg SveHeerS pees efHeues Jee& ` 847 kejes][ Lee, ye{kej ` 4557 kejes][ nes ieee. Meg SveHeerS pees iele Jee& 0.65 eefleMele Lee, ye{kej 3.09 eefleMele
nes ieee.
Meg yeepe ceeefpe&ve Jee& 2011 kes 3.31 eefleMele mes Iekej 2.78 eefleMele nes ieee.
eefle kece&eejer Deewmele JeJemeee, pees efHeues Jee& ` 835 ueeKe Lee, ye{kej ` 862 ueeKe nes ieee.
eefle kece&eejer Meg ueeYe ceee& 2011 kes ` 3.96 ueeKe mes Iekej ` 1.51 ueeKe nes ieee.
eeLeefcekelee#es$e kes $eCe ceW 8.76 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS, en ` 37469 kejes][ mes ye{kej ` 40749 kejes][ nes ieS.
yeQke kes keefe $eCe Jee& 2010-11 kes ` 18545 kejes][ mes ye{kej ` 18950 kejes][ nes ieS.
ceeFees esef[ kes Debleie&le (eefle GOeejkelee& ` 50000 leke $eCe), yeQke eje ` 216 kejes][ kes $eCe eoeve efkeS ieS.
meceer#ee Jee& kes oewjeve, met#ce SJeb ueIeg GeefceeeW (SceSmeF&) kees $eCe iele Jee& kes ` 10999 kejes][ mes ye{kej ` 13518 kejes][ nes ieS.
Jee& kes oewjeve, 13256 vees mJeeb meneelee mecetn (SmeSepeer) yeveeS iees, efpemeceW mes 6797 SmeSepeer $eCe mebcye efkeS ieS.
Jee& 2011-12 kes oewjeve, mejkeej eje eeeesefpele eespeveeDeesb kes Debleie&le, yeQke ves 13525 SmepeerSmeJeee efnleieeefneeW, 4137 SmepesSmeDeejJeee
efnleieeefneeW SJeb 6244 HeerSceF&peerHeer GOeejkelee&Deesb kees efJelleere meneelee eoeve keer.
yeQke ves meceepe kes kecepeesj Jeie& kes GOeejkelee&Deesb kees ` 13214 kejes][ kes $eCe eoeve efkeS.
Jee& kes oewjeve Mew#eefCeke $eCe 32.95 eefleMele keer Jeef kes meeLe ` 2058 kejes][ nes ieee.
yeQke ves osMe Yej ceW 46 ieeceerCe mJejespeieej SJeb eefMe#eCe mebmLeeveeW (Deejmeser) keer mLeeHevee keer nw.
yeQke eje eeeesefpele 7#es$eere ieeceerCe yeQkeW (DeejDeejyeer) nQ, efpevekeer 7 jepeeW kes 57 efpeueeW kees keJej kejleer ngF& 1806 MeeKeeSb nQ.
efJelleere meceeJesMeve eespevee kes Debleie&le 3725 ieebJeeW (2000 mes DeefOeke pevemebKee Jeeues) kee ue#e Deeyebefle efkeee ieee Lee. yeQke ves ue#eebefkele efoveebke
31 ceee&, 2012 mes keeHeer Henues DeLee&le efoveebke 21 efomecyej, 2011 leke ner Fve meYeer ieebJeeW kees keJej kej efueee.
yeQke kee kee@Heexjs $eCe 25.61 eefleMele keer Jee&-oj-Jee& keer Jeef ope& kejles ngS ` 84,995 kejes][ mes ye{ kej ` 1,06,758 kejes][ nes ieee.
efjsue $eCe 39.72 eefleMele keer Jeef kes meeLe Jee& 2010-11 kes ` 12,522 kejes][ mes ye{ kej Jee& 2011-12 ceW ` 17,496 kejes][ nes ieee.
yeQke ves meMem$e mesvee SJeb meneeke yeueeW kes efueS efJeMese He mes efve:Meguke Oeve eseCe, efjeeeleer yeepe ojeW Hej efjsue $eCe Deewj kemceeFp[ esef[
kee[& Fleeefo pewmeer efJeMeseleeDeesb egkele `mesv Hejce' veeceke Jesleve Keelee eespevee eejbYe keer.
Jee& 2011-12 kes oewjeve, yeQke ves peerJeve yeercee mes ` 13.53 kejes][ SJeb iewj-peerJeve yeercee JeJemeee mes ` 6.30 kejes][ kee keceerMeve Deefpe&le efkeee.
Yeejleere peerJeve yeercee efveiece eje nceejs 67#es$eesb kees yeercee#es$e Deewj 800 MeeKeeDeesb kees yeercee yeQke kes He ceW Ieesefele efkeee ieee.
yeQke ves pevejue FvMeesjsvme Hee&vej eesuee SceSme mes eF&-DeHe kej Hewefceueer Heueesj jue nwuLe FbMeesjWme eespevee keer MegDeele keer.
^wkej/keefe $eCeeW kes SveHeerS KeeleeW ceW Jemetueer nsleg keeke jenle eespevee veeceke veF& Jemetueer eespevee eejbYe keer Deewj Jee& kes oewjeve ` 15.51
kejes][ keer jeefMe Jemetue keer ieF&.
Jee& kes oewjeve osMe Yej ceW efJeefYevve mLeeveeW Hej 7303 mLeeveeW Hej Jemetueer efMeefJej ueieees ieS SJeb ` 745 kejes][ keer jeefMe Jemetue keer ieF&.
efoveebke 31 ceee&, 2012 kees yeQke kee osMe Yej ceW 4011 MeeKeeDeeW kee vesJeke& Lee. Jee& kes oewjeve, 283 MeeKeeSb Keesueer ieF&b, efpeveceW 121 efJemleej
HeueeW SJeb 5 messueeF MeeKeeDeesb kee HetCe& MeeKeeDeesb ceW HeefjJele&ve Meeefceue nw.
efoveebke 31 ceee&, 2012 leke yeQke eje 1682 SerSce mLeeefHele efkeS ieS nQ.
mebie"veelceke Hegveme&jbevee kes Delebie&le, efveCe&e uesves keer eefeee kees lJeefjle yeveevee megefveefMele kejves nsleg #es$eere eyebOekeeW kees Deewj DeefOeke Meefkeleeeb
eleeeesefpele keer ieF& nQ leLee kee@Heexjs ue#eeW keer eeefHle nsleg Deebeefueke eyebOeke,#es$eere keeee&ueeeW kes efyepevesme Hesefmeefuesj kes leewj Hej keee& kejWies.
7
2.
Deee SJeb Jee

Jee& 2011-12 keer DeJeefOe kes efueS Deee-Jee kee yeewje efvecveJele nw :
kejes][ ceW
31.03.2011
keceer/ye{eslejer
`
31.03.2012
19150
15221
3929
25.81
yeepe Deee
14421
11254
3167
-Deefiece
28.14
4347
3767
580
-efveJesMe
15.40
382
200
182
-Deve
91.00
2
1395
1265
130
10
Deve Deee
.28
(efveJesMeeW keer efyeeer Hej ueeYe)
3
20545
16486
4059
24.62
kegue Deee (1+2)
4
13981
9895
4086
41.29
eolle yeepe
12996
9063
3933
-peceeSb
43.40
985
832
153
-Deve
18.39
3749
4000
5
Heefjeeueve Jee
-251
-6.28
2506
2964
-mLeeHevee
-458
-15.45
1243
1036
207
-Deve
19.98
6
17730
13895
3835
27.60
kegue Jee (4+5)
7
5169
5326
mes[ (1-4)
-157
-2.95
8
2815
2591
224
Heefjeeueve ueeYe (3-6)
8.65
2169
932
1237
9
eeJeOeeve-SveHeerS/efveJesMe/Deve
132.73
113
407
10
kej kes efueS eeJeOeeve
-294
-72.24
11
533
1252
Meg ueeYe
-719
-57.43
Jee& kes oewjeve, yeepe Deee ceW 25.81 eefleMele keer Jeef ngF&.
peceeDeesb Hej yeepe Jee ceW 43.40% keer Jeef kes meeLe, ceee& 2012 ceW en ` 12,996 kejes][ nes ieee, pees efke iele Jee& ceW ` 9063
kejes][ Lee.
Jee& kes oewjeve, kece&eeefjeeW Hej Jee ceW ` 458 kejes][ keer keceer DeeF& Deewj en iele Jee& kes ` 2964 kejes][ mes Ie kej ` 2506 kejes][ nes ieee. Ssmee
HeWMeve eeJeOeeve keer DeeJeMekeleeDeesb ceW keceer kes keejCe ngDee.
eeJeOeeve
efHeues Je<e& keer leguevee ceW Jee& 2011-12 kes oewjeve, ueeYe SJeb neefve Keeles kees eYeeefjle ` 2282 kejes][ kes kegue eeJeOeeve kee efJemlele yeewje efvecveevegmeej nw :
(` kejes][ ceW)
31.03.2012
31.03.2011
keceer/ye{eslejer
54
106
ceeveke DeeefmleeeW kes efueS eeJeOeeve
-52
1962
632
1330
SveHeerS kes efueS eeJeOeeve
151
154
efveJesMeeW Hej DeJecetueve/eeJeOeeve
-3
113
407
kejeW kes efueS eeJeOeeve
-294
2
40
Deve
-38
2282
1339
943
kegue
1
3.

4.
mew[ efJeMueseCe
(eefleMele ceW)
31.03.2012
31.03.2011
7.20
5.71
7.28
5.82
11.36
10.29
7.53
7.45
2.78
3.31
57.11
60.68
peceeDeesb keer ueeiele

efveefOeeeW keer ueeiele
DeefieceeW Hej eefleHeue
efveJesMeeW Hej eefleHeue
Meg yeepe ceeefpe&ve
ueeiele-Deee DevegHeele
5.
peceeDeesb keer ueeiele Jee& 2011 kes 5.71 eefleMele mes ye{ kej Jee& 2012 ceW 7.20 eefleMele nes ieF&.
Jee& 2011-12 ceW DeefieceeW Hej eefleHeue 11.36 eefleMele jne Deewj efveJesMeeW Hej eefleHeue Jee& 2010-11 kes 7.45 eefleMele keer leguevee ceW 7.53 eefleMele
jne.
Meg yeepe ceeefpe&ve iele Jee& kes 3.31 eefleMele mes Ie kej 2.78 eefleMele jne.
meceer#ee Jee& kes oewjeve ueeiele-Deee DevegHeele Jee& 2011 kes 60.68 eefleMele mes Ie kej 57.11 eefleMele nes ieee.
yeQefkebie DevegHeele
(eefleMele ceW)
yeepe Deee-Deewmele keee&Meerue efveefOe (S[yuetSHe) DevegHeele

iewj-yeepe Deee S[yuetSHe DevegHeele
Heefjeeueve ueeYe S[yuetSHe DevegHeele
Deewmele DeeefmleeeW Hej eefleHeue
eefle kece&eejer JeJemeee (` ueeKe ceW)
eefle kece&eejer Meg ueeYe (` ueeKe ceW)
6.
2011-12
2010-11
9.22
8.49
0.67
0.71
1.36
1.45
0.26
862
0.70
835
1.51
3.96
Hetbpeer-peesefKece Yeeefjle Deeefmle DevegHeele (meerDeejSDeej)

Hetbpeer Heee&Hlelee DevegHeele kes Ieke efvecveJele Les :
yeemeue-I
peesefKece Yeeefjle Deeefmleeeb (` kejes][ ceW)
Hetbpeeriele efveefOeeeb (eefleMele ceW)
efej -I
efej-II
Hetbpeer Heee&Hlelee DevegHeele
7.
31.03.2012
31.03.2011
yeemeue -II
yeemeue -I
yeemeue -II
147958
140823
128587
116619
7.50
7.79
5.81
6.31
4.46
4.61
4.93
5.33
11.96
12.40
10.74
11.64
Meg ueeYe SJeb ueeYeebMe

efJelleere Jee& 2011-12 ceW yeQke ves ` 533 kejes][ kee Meg ueeYe Deefpe&le efkeee. ueeYe kece nesves kes yeeJepeto, yeQke keer DebleYe&tle Meefkele Hej efJeMJeeme kejles
ngS, efveosMeke ceb[ue kees FefkeJeer Mesej Hetbpeer Hej 20 eefleMele keer oj mes DeLee&le eleske ` 10/- kes FefkeJeer Mesej Hej ` 2/- kee ueeYeebMe mebmlegle kejles ngS
emevvelee nw.
9
8.
Jee& kes oewjeve efveosMeke ceb[ue ceW HeefjJele&ve

meceer#ee Jee& kes oewjeve, yeQke kes efveosMeke ceb[ue ceW efvecveefueefKele HeefjJele&ve ngS nQ :
eer ceesnve Jeer. ebkemeeues yeQke kes DeOe#e SJeb eyebOe efveosMeke kes He ceW efveegkele efkees ieS. FvnW eer Sme. eerOej kes mLeeve Hej efveegkele efkeee ieee, pees
efoveebke 31.05.2011 kees DeOe#e SJeb eyebOe efveosMeke kes Heo mes mesJeeefveJelle ngS Les. eer ceesnve Jeer. ebkemeeues ves efoveebke 29.06.2011 kees yeQke kee
keee&Yeej ienCe efkeee.
eer Deeueeske b[ve efoveebke 15.11.2011 mes Yeejle mejkeej kes veeefceleer efveosMeke kes He ceW efveegkele efkees ieS. FvnW [e@. MeMeebke mekemesvee kes mLeeve
Hej efveegkele efkeee ieee nw, efpevekee keee&keeue efoveebke 14.11.2011 kees yeQke kes yees[& ceW efveosMeke kes He ceW meceeHle nes ieee nw.
MesejOeejke efveosMeke kes He ceW eer yepeueeue #eef$ee SJeb eesHesmej Sve. yeeuekeCeve kee keee&keeue MesejOeejkeeW kes efveosMeke kes He ceW efoveebke
19.11.2011 kees meceeHle ngDee. Jes oesveeW efveosMeke efoveebke 10.01.2012 mes Hegve: MesejOeejke efveosMeke kes He ceW efveJee&efele ngS nQ.
eer iegceeve efmebn, efoveebke 08.08.2011 mes DebMe-keeueerve iewj-mejkeejer mJeleb$e efveosMeke kes He ceW efveegkele efkees ieS nQ.
9.
efveosMekeeW kes oeefelJe mebyebOeer efJeJejCe :

efveosMeke-ieCe en Hegef kejles nQ efke efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS Jeeefe&ke uesKeeW kees leweej kejles mecee;
10.
cenlJeHetCe& efJeeueve, eefo keesF& nw, kes mecyebOe ceW mecegefele mHeerkejCe kes meeLe ueeiet uesKeebkeve ceevekeeW kee DevegHeeueve efkeee ieee nw;
Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej, leweej keer ieF& uesKeebkeve veerefleeeW kees megmebiele He mes ueeiet efkeee ieee nw;
mecegefele SJeb efJeJeskemeccele efveCe&e leLee eekekeueve efkeS ieS nQ, leeefke efJelleere Jee& keer meceeefHle Hej yeQke kes keejesyeej kee SJeb efoveebke 31 ceee&, 2012
kees meceeHle efJelleere Jee& kes Deble ceW yeQke kes ueeYe kee mener SJeb mHe efe$eCe emlegle efkeee pee mekes;
Yeejle ceW yeQkeeW kees DeefOeMeeefmele kejves Jeeues efveeceeW kes eeJeOeeveeW kes Devegmeej Heee&Hle uesKeebkeve DeefYeuesKe jKeves ceW mecegefele SJeb Heee&Hle meeJeOeeefveeeb
yejleer ieF& nQ ; Deewj
uesKes ueeYekeejer keejesyeej Jeeues mebmLeeve kes DeeOeej Hej leweej efkeS ieS nQ.
kee@Heexjs ieJeveXme
yeQke kee efveosMeke ceb[ue kee@Heexjs ieJeveXme keer eLeeDeesb kees De#ejMe: DeHeveeves kes efueS eefleye nw. yeQke ves kee@Heexjs ieJeveXme Hej megmHe efueefKele eCeeueer Deewj
eLeeDeesb kees DeHeveeee nw.
11.
DeeYeej
efveosMeke ceb[ue Yeejle mejkeej, Yeejleere efjpeJe& yeQke Deewj Yeejleere eefleYetefle SJeb efJeefvecee yees[& kes Decetue ceeie&oMe&ve SJeb meneesie kes eefle DeeYeej Jekele kejlee
nw. efveosMeke ceb[ue DeHeves ieenkeeW SJeb MesejOeejkeeW eje efoS ieS efveyee&Oe meceLe&ve Deewj efJeMJeeme kes efueS Gvekee Yeer DeeYeej Jekele kejlee nw. efveosMeke ceb[ue
yeQke kes meceie keee& efveHeeove nsleg meHe meomeeW kes eesieoeve SJeb meceefHe&le mesJeeDeesb keer eMebmee kejlee nw.
efveosMeke ceb[ue keer Deesj mes
DeOe#e SJeb eyebOe efveosMeke
mLeeve : cegbyeF&
10
HeyebOeleb$e efJeeej-efJeceMe& leLee efJeMues<eCe

Yeeie S DeeefLe&ke HeefjMe
Jewefeke ieefleefJeefOeeeb
Jee& 2008 kes efJelleere mebke kes HeMe eYeeJe mes Jewefeke DeLe&JeJemLee kee eYeeefJele nesvee peejer nw. leye mes DeejbYe ngF& Gyejves keer eefeee b[er He][veer Meg nes ieF&
nw leLee etjes ]peesve ceW JeeHle Meemekeere $eCe mebke mes etjes ]peesve kes DeefmlelJe Hej ner Keleje ceb[jeves ueiee nw. Jewefeke DeeefLe&ke JeJemLee Jee& 2010 ceW 5.3% keer oj
kes cegkeeyeues Jee& 2011 ceW efmeHe& 3.9% keer oj mes ye{er nw leLee Jeu[& Fkeesvee@efceke DeeGuegke ([yeuet F& Dees) kes Deewue 2012 keer Deblej&eêre cegekeese (DeeF& Sce
SHe) keer peevekeejer kes Devegmeej Jee& 2012 ceW Fmekes Deewj kece neskej 3.5% jnves keer DeeMebkee nw. efJekeefmele DeLe&JeJemLeeDeesb kee mekeue Iejsuet GlHeeo (peer [er Heer),
Jee& 2010 kes 3.2% keer leguevee ceW Jee& 2011 ceW Iekej 1.6% jn ieee leLee Jee& 2012 ceW FmeceW Deewj efiejeJe neskej 1.4% jnves keer DeeMebkee nw. Fmeer ekeej
keer eJeefe GYejleer ngF& DeLe&JeJemLeeDeesb keer Yeer nw, efpeveceW mekeue Iejsuet GlHeeo Jee& 2010 kes 7.5% keer leguevee ceW Jee& 2011 ceW kece neskej 6.2% ngDee Deewj Jee&
2012 ceW Fmekes Deewj efiejkej 5.7% nesves keer DeeMebkee nw.
Iejsuet DeLe&JeJemLee
Jee& 2011-12 ceW Yeejle keer DeLe&JeJemLee, Ge cegemHeerefle, jepekeeseere Iees leLee eeuet KeeleeW ceW leerJe Iees mes efIejer jner. Jee& 2010-11 kes efueS meerSmeDees kes
mebMeesefOele HetJee&vegceeveeW kes DeeOeej Hej DeeefLe&ke efJekeeme oj 8.4% kes cegkeeyeues efmeHe& 6.5% leke meerefcele jner. en Jeef efJeeceeve Deefveefele Jewefeke HeefjefmLeefleeeW kes
keejCe efvejeMeepeveke nw leLee Iejsuet Deeweesefieke#es$e ceW en Deleble Kejeye keee& efveHeeoveeW ceW mes nw.
Jee& 2011-12 ceW, leerveeW ner #es$e DeLee&le keefe, Geesie leLee mesJeeDeesb ceW yengle ner Oeerceer eieefle jner. Jee& 2011-12 ceW 250 efceefueeve ve Keeeevve kes efjkee@[& GlHeeove
kes yeeJepeto keefe SJeb keefe mebye#es$e keer Jeef oj, pees 2010-11 ceW 7% kes Ge mlej Hej Leer, Jen efiejkej 2.8% jn ieF&. neueebefke keefe SJeb mebye efeeekeueeHeeW
kee peer[erHeer ceW eesieoeve cee$e 14% nw, Hejbleg keefe kes efJekeeme ceW efiejeJe kee eYeeJe Fme #es$e kes jespeieej Hej He][lee nw, efpemekeer kegue jespeieej ceW 55% keer ye][er
efnmmesoejer nw. efJeefvecee&Ce#es$e meefnle mesJee#es$e ceW efJekeeme oj 2010-11 kes 9.2% keer leguevee ceW Jee& 2011-12 ceW 8.5% jnvee Devegceeefvele nw, pees efJeefvecee&Ce eieefle
ceW efiejeJe oMee&lee nw.
Keoeve SJeb efJeefvecee&Ce#es$e kes efvejeMeepeveke keee&-efveHeeove kes keejCe Deeweesefieke efJekeeme ceW efiejeJe DeeF&. Jee& 2011-12 ceW Deeweesefieke GlHeeove Fb[skeme 2.8% jne,
pees Jee& 2010-11 ceW 8.2% Lee. en etSme leLee etjesHe ceW ngF& Oeerceer Jemetueer SJeb ke][er ceewefke veerefle kes keejCe meceie efveJesMekeeW kee DeelceefJeMJeeme eYeeefJele nesves kes
keejCe nw. Hetbpeeriele JemlegDeesb keer Jeef ceW DeeS Gleej-e{eJeeW kes keejCe DeeF&DeeF&Heer keer ceen Jeej Jeef ceW Yeejer DeefmLejlee Heefjueef#ele ngF&. Hetpeeriele JemlegDeesb ceW Jeef petve
2011 kes 37% mes Iekej Dekeletyej 2011 ceW 25% vekeejelceke jner. keeseuee, keee lesue eekeefleke iewme, Fleeefo pewmes Dee ecegKe Geesie efpevekee DeeF&DeeF&Heer
ceW eesieoeve 38% nw. Gvekeer Fb[skeme Jeef efHeues Jee& keer mebiele DeJeefOe ceW 6.6% kes cegkeeyeues Deewue-ceee& 2011-12 kes oewjeve Iekej 4.3% jner. Deewue-veJecyej
2011-12 kes oewjeve, meerceW leLee Lece&ue Hee@Jej pewmes efJeefYevve yegefveeeoer #es$eesb keer#ecelee kes GHeeesie ceW Yeer efiejeJe DeeF&.
efJeosMeer JeeHeej kes Debleie&le, Jee& 2011-12 kes oewjeve HeCe efveee&le Jee& kes efueS efveOee&efjle ue#e 300 efyeefueeve [e@uej kes ue#e kees Heej kejles ngS $304 efyeefueeve
leke Hengbe ieee, pees 21% keer Jeef oMee&lee nw. uesefkeve Deeeele Yeer 32% ye{ kej $488 efyeefueeve nesves mes $184 efyeefueeve kee JeeHeeefjke Ieee ngDee. Fmemes Deewueefomebyej 2010 ceW eeuet Keelee Ieee etSme $39.6 efyeefueeve (peer[erHeer kee 3.3%) mes ye{kej etSme $53.7 efyeefueeve (peer[erHeer kee 4.0%) nes ieee.
efJelleere Jee& 2012 kes oewjeve, ecegKe efeblee kee efJeee cegemHeerefle jne. Jee& Yej [yuetHeerDeeF& megefKe&eeW ceW jner, pees ueieYeie 9% kes Ge mlej Hej yeveer jner, neueebefke
Jee& kes Deble ceW FmeceW keg keceer DeeF& Leer. Deewue 2011 ceW en 9.7% mes Meg neskej efmelebyej 2011 ceW meJeexe 10% leke Hengbeer Deewj Gmekes yeeo ceee& 2012 ceW
efiejkej 6.9% ngF&. cegemHeerefle keer Fme Ge Jeef kes efueS efpeccesJeej keejkeeW ceW keee lesue, eeLeefceke JemlegSb, Oeeleg leLee kesefcekeue kes cetue ecegKe jns.
Jee& kes oewjeve, [e@uej keer leguevee ceW Hees ceW Yeejer efiejeJe DeeF&. efJelleere Jee& kes eejbYe ceW efJeefvecee oj ` 44.37/$ Lee, pees efomebyej 2011 ceW efiejkej $52.68/$
ngF& Deewj ceee& 2012 ceW keg megOejkej ` 51.76/$ leke Hengbeer. Ssmee cegKele: eeuet Keelee SJeb Yegieleeve Mese ceW Yeejer Iees kes keejCe ngDee.
ceewefke HeefjefmLeefleeeb
efJelleere Jee& 2010-11 kes oewjeve ceewefke veerefle kee cegKe Oeeve cegemHeerefle kees efveebef$ele kejvee leLee cegemHeereflekeejke DeeMebkeeDeesb kees efveoxefMele kejvee Lee. Yeejleere
efj]peJe& yeQke eje ceee& 2010 mes jsHees oj ceW 13 yeej Jeef kejvee cegemHeerefle efJejesOeer meMekele keej&JeeF& kees eoefMe&le kejlee nw. Jee& kes oewjeve, lejuelee keer efmLeefle meceie
leewj Hej lebie yeveer jner, owefveke lejuelee megefJeOee kes Debleie&le, Deewmele lejuelee Deble:#esHeCe Jee& kes DeejbYe ceW yengle kece ` 4000 kejes][ mes Meg ngDee, pees efmebleyej 2011
ceW ` 50000 kejes][ leke ye{e Deewj HejJejer 2012 ceW ye{kej ` 1.4 ueeKe kejes][ leLee ceee& 2012 ceW ` 1.6 ueeKe kejes][ leke Hengbe ieee. lejuelee DeYeeJe kees kece
kejves kes efueS, Yeejleere efj]peJe& yeQke ves Kegues yeepeej kee Heefjeeueve (DeesSceDees) kejles ngS leermejer efleceener keer ceewefke veerefle meceer#ee ceW meerDeejDeej 6% mes kece kej
5.5% efkeee leLee efoveebke 10 ceee&, 2012 kees Deewj kece kej 4.75% DeLee&le 75 yesefmeme Hee@Fb kece kej efoee.
11
ceee& 2012 kes Deble leke cege DeeHetefle& (Sce3) keer eieefle meeOeejCe 13% Hej jner, pees Yeejleere efj]peJe& yeQke kes e#esHeCe oefMe&le 15.5% keer leguevee ceW kece jner, efpememes
peceejeefMeeeW ceW Jeef Yeer Oeerceer jner.
yeQefkebie
efJelleere Jee& ceW mekeue peceejeefMeeeW ceW Je=ef Yeejleere efj]peJe& yeQke eje efveoxefMele ue#e 17% mes ceecetueer ye{kej 17.4% jner nw. peceeDeesb ceW Oeerceer peceeJeef kee cegKe
keejCe Ge cegemHeerefle leLee peceekelee&Deesb eje DeHeveer jeefMeeeb mJeCe& SJeb efjeue Fms pewmes yesnlej efveJesMeeW keer Deesj cees][vee jne nw. $eCe Jeef 19.4% jner, pees
efveoxefMele ue#e 16% kees Heej kej ieF& (Jee& ceW 18% mes Ieekej mebMeesefOele keer ieF& Leer). uesefkeve en DeeefLe&ke Jeef ceW ceboer leLee skemeeFue, merue, ceeFefvebie,
FvHeem^keej Fleeefo pewmes peerCe&-MeerCe& GeesieeW kes keejCe efHeues Je<e& kes leguevee ceW kece jner.
Yeejleere efj]peJe& yeQke ves yesmeue III Hej efoMeeefveoxMeeW keer IeeseCee kej oer nw, pees efoveebke 01 peveJejer, 2013 mes ejCeye He ceW efoveebke 31 ceee&, 2018 mes HetCe&le:
eYeeJeer neWies. Fve efoMeeefveoxMeeW kes Devegmeej, ceee& 2018 leke yeQkeeW kees vetvelece meceie Hetbpeer Heee&Hlelee 11.5% (Jele&ceeve ceW 9% kes cegkeeyeues) yeveees jKeveer nesieer.
Yeeie yeer yeQke kee keee&-efveHeeove
JeJemeee
efoveebke 31 ceee&, 2012 kees yeQke kee kegue JeJemeee ` 346896 kejes][ Lee, pees efHeues Jee& kes ` 310763 kejes][ keer leguevee ceW 11.63% keer Jeef oMee&lee nw.
Heefjeeueve ueeYe efHeues Jee& kes ` 2591 kejes][ keer leguevee ceW Fme Jee& 8.65% keer Jeef oMee&les ngS ` 2815 kejes][ nes ieee. yeQke ves Jee& 2011-12 ceW ` 533 kejes][
kee Meg ueeYe Deefpe&le efkeee, pees efHeues Jee& ceW ` 1252 kejes][ Lee.
mebmeeOeve mebienCe
efoveebke 31 ceee&, 2012 kees kegue peceejeefMeeeb efHeues Jee& keer jeefMeeeW ceW 9.38% keer Jeef kes meeLe ` 196173 kejes][ Leerb. yeele pecee jeefMeeeb efHeues Jee& kes
` 47645 kejes][ mes ye{kej ` 52595 kejes][ nes ieF&. eeuet peceejeefMeee@b, pees Jee& 2010-11 ceW ` 15431 kejes][ Leerb Jes Jee& 2011-12 ceW Iekej ` 12680 kejes][
nes ieF&b. kegue peceejeefMeeeW ceW keemee keer efnmmesoejer 33.27% LeeR. ceereeoer peceejeefMeeeb 12.57% keer Jee&-oj-Jee& Jeef kes meeLe Jee& 2010-11 kes ` 116280 kejes]
[ mes ye{kej ` 130898 kejes][ nes ieF&.
$eCe
efoveebke 31.03.2012 kees yeQke kes mekeue $eCe efHeues Jee& kes ` 131407 kejes][ mes ye{kej ` 150725 kejes][ nes iees, pees 14.70% keer Jee&-oj-Jee& Jeef oMee&lee
nw. $eCeeW ceW en Jeef meYeer Keb[eW mes SJeb efjsue leLee Deeejve SC[ merue, meYeer efjsue Je GeesieeW; eLee Fbpeerefveeefjbie, Deve skemeeFue Fleeefo ceW Ge Jeef kes
keejCe ngF&. efjsue $eCeeW leLee kee@Heexjs $eCeeW ceW efvecveevegmeej GuuesKeveere Jeef ope& keer ieF& nw:
(` kejes][ ceW)
kee@Heexjs $eCe
efjsue $eCe
eeLeefcekelee#es$e $eCe
31.03.2011
kees
31.03.2012
kees
84995
106758
12522
17496
37467
40749
Jeef (%)
25.61
39.72
8.76
$eCe efveiejeveer efJeYeeie

yeQke ves Ske mHe HeefjYeeefele efveiejeveer veerefle ueeiet keer nw, efpemeceW SmeSceS eyebOeve kes meYeer#es$eesb, eejbefYeke esleeJeveer mebkesleke, efveiejeveer leLee DevegJele&ve GHeeeeW
SJeb metevee eCeeueer meefnle, SmeSceS (efJeMese GuuesefKele Keeles) eyebOeve Hej efJemlele efoMeeefveoxMe meceeefJe nQ.
en veerefle ceF&, 2011 ceW yees[& eje Devegceesefole keer ieF& Leer leLee efoveebke 01 pegueeF&, 2011 kees Hetjs yeQke ceW ueeiet keer ieF&. Fme veerefle keer Jeeefe&ke meceer#ee keer
peeSieer.
efoveebke 01 Deiemle, 2011 mes cegKe ceneHeyebOeke kes mJeleb$e eYeej ceW mJeleb$e $eCe efveiejeveer efJeYeeie yeveeee ieee nw.
efveiejeveer veerefle efoMeeefveoxMeeW kes Devegmeej SmeSceS KeeleeW keer DeeJeefOeke He mes meceer#ee leLee efveiejeveer kejves nsleg kesvere keeee&uee kes meeLe-meeLe Heeru[ mlej
Hej Yeer efveiejeveer meefceefle kee ieve efkeee ieee nw.
SmeSceS KeeleeW ceW Jemetueer leLee Gvveeve kes efueS SmeSceS GOeejkelee&Deesb kes meeLe Deeceves-meeceves yeeleeerle kejves nsleg #es$eere keeee&ueeeW leLee Deebeefueke
keeee&ueeeW kes efJeefYevve mLeeveeW Hej yewkeeW kee Deeeespeve efkeee ieee.
12

kee@Heexjs SmeSceF&, efjsue leLee eeLeefcekelee eeHle#es$eesb kes $eCeeW keer efjeue eFce efveiejeveer kes efueS yeQke eje kesverkele $eCe cetueebkeve eCeeueer leLee Hee&Jes#eCe
(keueeme) mee@HeJesej kees Yeer efeeeefvJele efkeee pee jne nw.
yeQke ves efHeueer meYeer SSHeDeeF& efjHeeseX He&j efyevogJeej DevegHeeueve emlegle kej efoee nw leLee Jee& 2010 leke keer SSHeDeeF& efjHeesx yebo keer pee egkeer nQ SJeb SSHeDeeF&
2011 kes meYeer DeJeueeskeveeW kee peJeeye os efoee ieee nw.
eeLeefcekelee eeHle#es$e
eeLeefcekelee#es$e kes Debleie&le $eCe eleeeespeve Jee& 2011-12 ceW ` 37467 kejes][ mes ye{kej ` 40749 kejes][ nes ieee leLee FmeceW Jee&-oj-Jee& DeeOeej Hej 8.76%
keer Jeef ope& keer ieF&. FveceW mes ele#e keefe $eCeeW ceW efJelleere Jee& 2010-11 kes DeeOeej Hej 20.60%keer efjkee[& Jeef ope& keer ieF&. efoveebke 31.03.2012 kees
eeLeefcekelee eeHle#es$e kes efJeefJeOe DevegYeeieeW kes Debleie&le yeQke kee keee& efveHeeove efvecveevegmeej jne :
(` kejes][ ceW)
Jeef (%)
ece efJeJejCe
ceee& 2011
ceee& 2012
mebKee
SSHeDeeF& mebMeesefOele Deebke][s
106146
131277
meceeeesefpele Meg yeQke $eCe (SSveyeermeer)
1
eeLeefcekelee eeHle#es$e Deefiece
37467
40749
8.76
SSveyeermeer kee eefleMele
35.30
31.04
2
kegue keefe $eCe
18545
18950
2.18
17.47
14.43
3
ele#e keefe $eCe
12561
15148
20.60
11.83
11.54
4
Deele#e keefe $eCe
5984
-36.46*
3802
5.64
2.90
5
10999
13518
met#ce SJeb ueIeg Geceer
22.90
1548
2058
6
Mew#eefCeke $eCe
32.95
6106
6006
7
DeeJeeme $eCe (` 25.00 ueeKe leke)
-1.64
269
216
8
met#ce $eCe SJeb Deve
-19.70
*JeieeakejCe ceeveob[eW ceW HeefjJele&veeW kes keejCe $eCeelceke
keefe
kegue keefe $eCe efoveebke 31.03.2011 kes ` 18545 kejes][ kes mlej mes ye{kej efoveebke 31.03.2012 kees ` 18950 kejes][ ngS Deewj FveceW 2.18% keer Jeef ope&
ngF&.
keefe yeQefkebie Hees&ue
nceejer meYeer keefe $eCe eespeveeDeesb leLee mejueerkele GYee DeeJesove Hee@ce& kee meceeJesMe kejles ngS Fmes nceejer JesyemeeF ceW Meg efkeee ieee nw.
met#ce $eCe
eefle GOeejkelee& ` 50000 leke keer $eCe jeefMe Jeeues ueeYeeefLe&eeW kees ` 216 kejes][ kes $eCe eoeve efkees iees nQ.
met#ce SJeb ueIeg Geceer (SceSmeF&) kesJeue eeLeefceke #es$e Hees&Heesefueees
eeuet efJelleere Jee& kes Deble ceW SceSmeF& kes $eCe ye{kej ` 13518 kejes][ ngS, pees efoveebke 31.03.2011 kees ` 10999 kejes][ Les. SceSmeF& $eCeeW Hej Oeeve kesefvle
kejves nsleg 202 MeeKeeSb efeefvnle keer ieF& nQ. Fve MeeKeeDeesb kes MeeKee eyebOekeeW kees cegbyeF& efmLele nceejer Meere& eefMe#eCe mebmLee ceW ienve eefMe#eCe efoee ieee. es MeeKeeSb Deye
SceSmeF& kes Debleie&le lJeefjle Jeef nsleg mecetn-DeeOeeefjle efkeesCe DeHevee jner nQ. Fmekes DeueeJee yeQke eje met#ce SJeb ueIeg Geceer#es$e kes Debleie&le FkeeFeeW keer mLeeHevee
kes efueS ` 100 ueeKe leke mebHeeefe&kelee cegkele $eCe eoeve efkeS pee jns nQ, pees meerpeererSceSmeF& eespevee kes Debleie&le keJej Heeves kes efueS Yeer Hee$e nQ. yeQke ves veS, egJee
meeLeer SceSmeF& GeefceeeW kes efueS osMe Yej ceW 9 GeceMeerue efJekeeme keee&eceeW SJeb 12 mebieesefeeW kee Deeeespeve efkeee.
SceSmeF& Hees&ue
meYeer $eCe eespeveeDeesb SJeb mejueerkele DeeJesove Hee@ce& meceeefJe kej yeQke keer yesJemeeF& Hej Hees&ue Meg efkeee ieee nw.
13
mJeeb meneelee mecetn

eespevee kes Debleie&le yeQke eje Jee& kes oewjeve 13256 mecetn mLeeefHele efkeS ieS, efpeveceW mes 6797 mecetn $eCe mes mebye efkees iees nQ. eespevee kes eejbYe mes Deye leke
yeQke ves 152190 mecetneW keer mLeeHevee keer nw, efpemeceW mes 95128 mecetn $eCe mebye nQ, Jee& kes Deble ceW FveceW ` 766.57 kejes][ kee yekeeee $eCe Mese Lee. $eCe-mebye
mecetneW ceW mes 76953 ceefnuee mecetn nQ, efpevekeer kegue mJeerkele meercee ` 603.26 kejes][ nQ, pees kegue $eCe mebye mecetneW kee 80.90% nw.
DeieCeer yeQke kes Debleie&le keee&-efveHeeove
nceeje yeQke osMe kes 48 efpeueeW ceW DeieCeer yeQke kee GllejoeefelJe mebYeeue jne nw. mecyebefOele efpeueeW ceW nceejs DeieCeer yeQke keeee&uee Deve yeQkeeW kes meeLe, efJeMese He mes,
MeeKee efJemleej leLee $eCe Deeeespevee ceW mecevJee kejves kee keee& kej jns nw. Jes efJeefYevve mejkeejer keeee&ueeeW kes meeLe Yeer mecevJee kee keee& kej jns nQ.
keefe $eCe DeefOeleeie SJeb $eCe jenle eespevee-2008
yeQke ves keefe $eCe DeefOeleeie SJeb $eCe jenle eespevee 2008 kes Debleie&le Gvekeer eefleHetefle& kes efueS HeLeke-HeLeke oeJes Yeejleere efj]peJe& yeQke kees emlegle efkeS nQ,
efpevekee efJeJejCe Fme ekeej nw :(` kejes][ ceW)
$eCe DeefOeleeie eespevee
Keeles
jeefMe
447000
978.54
$eCe jenle eespevee

Keeles
kegue
jeefMe
147.77
67072
Keeles
514072
jeefMe
1126.31
Yeejleere efj]peJe& yeQke ves yeQke kees mebHetCe& jeefMe ` 1126.31 kejes][ keer eefleHetefle& kej oer nw.
jepe mlejere yeQkej meefceefle (SmeSueyeermeer)
nceeje yeQke ceOe eosMe jepe ceW SmeSueyeermeer kee mecevJeeke nw. Jee& 2011-12 kes oewjeve, Deueie-Deueie efJekeeme SpeWefvmeeeW eje mejkeej eeeesefpele keee&eceeW meefnle
efJeefYevve HewjeceerjeW kes Debleie&le jepe ceW keer ieF& eieefle keer meceer#ee leLee Gme Hej efveiejeveer jKeves nsleg 4 SmeSueyeermeer yewkeW Deeeesefpele keer ieF&b.
mejkeejer eeeesefpele keee&ece (2011-12)
Jee& kes oewjeve, yeQke ves Deueie-Deueie mejkeej eeeesefpele keee&eceeW kes Debleie&le efvecveevegmeej $eCe mJeerkele efkeS nQ :
(` kejes][ ceW)
e.meb. eespevee
2011-12
Keelee
kes oewjeve mebefJelejCe

jeefMe
SmepeerSmeJeeF&
13525
134.18
SmepesSmeDeejJeeF&
4137
26.01
HeerSceF&peerHeer
6244
185.97
kecepeesj JeieeX kees Deefiece

Jee& kes oewjeve, kecepeesj JeieeX kes efJeefYevve esefCeeeW kes ueesieeW kees ` 13214.22 kejes][ kes $eCe mebefJeleefjle efkeS, pees SSveyeermeer kee 10.07% nw SJeb mejkeej eje
efveOee&efjle ue#e (10%) mes DeefOeke nw.
DeuHemebKeke mecegoeeeW kees Deefiece
Yeejle mejkeej ves DeuHemebKeke mecegoeeeW kes keueeCe kes efueS DeHeves veS 15 met$eer eOeeveceb$eer keee&ece ceW DeuHemebKeke mecegoeeeW kees eeLeefcekelee eeHle#es$e $eCeeW kee
15% $eCe osves kee ue#e efveOee&efjle efkeee nw. yeQke ves efJeefYevve DeuHemebKeke mecegoeeeW kes 541224 ueeYeeefLe&eeW kees ` 6179.54 kejes][ keer efJeefYevve $eCe megefJeOeeSb
eoeve keer nw, pees efoveebke 31.03.2012 kees eeLeefcekelee eeHle#es$e $eCeeW kee 15.16% nw.
14

ceefnuee ueeYeeefLe&eeW kees Deefiece
ceefnuee ueeYeeefLe&eeW kes $eCe mebefJelejCe ceW efHeues JeeeX ceW keeHeer megOeej ngDee nw, HeefjCeecemJeHe, efoveebke 31.03.2012 kees ceefnueeDeesb kes yekeeee $eCe ` 6585.14
kejes][ Les. en Yeejleere efj]peJe& yeQke eje efveOee&efjle ue#e SSveyeermeer kes 5% kes cegkeeyeues 5.02% nw.
efJeYesoke yeepe oj ([erDeejDeeF&)
[erDeejDeeF& eespevee kes Debleie&le efoveebke 31.03.2012 kees mebefJeleefjle $eCe ` 35.18 kejes][ Les.
mesvûe efkemeeve esef[ kee[& (meerkesmeermeer)
yeQke ves efoveebke 31 ceee&, 2012 leke 1369858 ueeYeeefLe&eeW kees ` 8428.05 kejes][ keer jeefMe kes efkemeeve esef[ kee[& peejer efkeS nQ.
meeceeefpeke megj#ee eespevee
1.
peveeer yeercee eespevee

en eespevee Yeejleere peerJeve yeercee efveiece kes meneesie mes Heefjeeefuele keer peeleer nw, efpemekes eje Gve iejerye ieeceerCe SJeb Menjer ceefnueeDeesb kees peerJeve yeercee
keJej GHeueyOe kejeee peelee nw, pees iejeryeer jsKee mes veeres ee Lees][er THej nQ Deewj pees nceejs yeQke kes $eCe mebye ceefnuee mJeeb meneelee mecetn keer meome nQ,
Jee& 2011-12 kes oewjeve ` 21.26 ueeKe kes Heerefceece mes 21267 ueeYeeefLe&eeW kees keJej efkeee nw.
2.
jeêre keefe yeercee eespevee

Fme eespevee kes Debleie&le, DeHeefjnee& peesefKeceeW pewmes eekeefleke DeeHeoe Fleeefo kes keejCeeW mes nesvesJeeueer neefve kes efueS efkemeeveeW kees megj#ee eoeve keer peeleer nw.
GHee&gkele eespevee mebHetCe& osMe ceW DeefOemetefele jepeeW/#es$eesb ceW Deveepe SJeb efleuenve kes efueS GHeueyOe nw.
3.
mesv pevelee esef[ kee[& (meerpesmeermeer)

ieeceerCe leLee DeOe& Menjer#es$eesb ceW jnvesJeeues ueeYeeefLe&eeW keer efJeefYevve DeeJeMekeleeDeesb kees Hetje kejves kes efueS yeQke ves ` 34.75 kejes][ kes 34261 (DeesJej[êHe
KeeleeW meefnle) kee[& peejer efkeS nQ.
4.
ieeceerCe ieesoece leLee ceeue ieesoece/Meerleien

ieeceerCe ieesoeceeW leLee ceeue ieesoeceeW/MeerleieneW kes efvecee&Ce kes efueS yeQke ves 362 KeeleeW ceW ` 685.75 kejes][ kes $eCe efoS nQ, efpememes efkemeeveeW kees ceewmece kes
ejcekeeue ceW DeHeves GlHeeo n][ye][en ceW yeseves kes efueS yeeOe ve nesvee He][s. yeQke ves efJeefYevve KeeleeW ceW ieesoece leLee MeerleieneW kes efueS Deefiece eoeve efkeS nQ,
efpevekee efkemeeve ueeYe ues jns nw. FveceW ieesoece jmeeroeW kes efJe $eCe Meeefceue veneR nQ.
5.
mesvûe yeQke Dee@@He Fbef[ee meeceeefpeke GlLeeve SJeb eefMe#eCe mebmLeeve (meeryeerDeeF&-SmeetSHeerSme)
yeQke ves 49 SHeSuemeermeer Keesues nQ. SHeSuemeermeer, ieeceJeeefmeeeW kees efJeefYevve yeQefkebie GlHeeoeW Hej efve:Meguke efJelleere mee#ejlee mesJeeSb eoeve kejleer nw leLee
mebkeiemle keekeeW/GOeejkelee&Deesb, Jes eens nceejs ieenke neW DeLeJee ve neW, GvnW HejeceMeea mesJeeSb osleer nQ.
6.
ieeceerCe mJejespeieej leLee eefMe#eCe mebmLeeve (Deejmeser)

yeQke ves 46 (44 DeieCeer efpeueeW ceW leLee 2 SmeSueyeermeer kes Debleie&le Deebyeefle iewj DeieCeer efpeues ceW) ieeceerCe mJe-jespeieej leLee eefMe#eCe mebmLeeve mLeeefHele efkeS
nQ. Fmekes Debleie&le 715 eefMe#eCe keee&ece Deeeesefpele efkeS ieS leLee 23289 DeYeefLe&eeW kees eefMeef#ele efkeee ieee.
7.
Fbefoje DeeJeeme eespevee

Fme eespevee kes Debleie&le yeQke ves DeeJeeme FkeeFeeW kes efvecee&Ce nsleg 509 ueeYeeefLe&eeW kees ` 101.15 ueeKe kes $eCe eoeve efkeS nw.
efJelleere meceeJesMeve
efJelleere meceeJesMeve keee&ece (SHeDeeF&Heer) kes Debleie&le ceee& 2012 leke meceeefJe kejves nsleg yeQke kees 2000 mes DeefOeke keer pevemebKee Jeeues 3725 ieebJe Deebyeefle ngS
nQ. yeQke ves efoveebke 21 efomebyej, 2011 leke meYeer Deeyebefle ieebJeeW kees keJej kej efueee nw. kegue 3629 ieebJeeW kees efyepevesme kee@jmHeeW[W cee@[ue kes ceeOece mes leLee 96
ieebJeeW kees MeeKeeDeesb kes ceeOece mes keJej efkeee ieee nw.
15
yeQke eje 2000 mes kece pevemebKee Jeeues ieebJeeW meefnle kegue 8012 ieebJeeW kees efJelleere meceeJesMeve kes Debleie&le keJej efkeee ieee nw leLee 4701 efyepevesme kee@jmHeeW[W
efveegkele efkeS ieS nQ. Fve ieebJeeW ceW nceves 30.93 ueeKe mcee& kee[& peejer efkeS nQ leLee Fve meYeer KeeleeW kees nceejer meeryeerSme eCeeueer ceW mLeeefHele kej efoee ieee nw.
nceves yeermeer cee@[ue kes ceeOece mes eueeS peeves kes efueS efJeMese leewj Hej efvecveefueefKele 5 GlHeeo efJekeefmele efkeS nQ:
mesv yeele Keelee - Oeve-eseCe kejves leLee eeHle kejves nsleg vees-efHeue Keelee.
mesv efJekeeme Keelee - ` 2500/- leke keer meerefcele DeesJej[êHe megefJeOee meefnle yeele Keelee.
mesv mcee& efkemeeve esef[ kee[& - keekeeW keer Geceer/ GHeYeeskelee DeeJeMekeleeDeesb kes efueS ` 25000/- leke $eCe.
mesv mcee& pevejue esef[ kee[& - iewj-keekeeW kees Geceer/GHeYeeskelee DeeJeMekeleeDeesb kes efueS ` 10000/- leke $eCe.
mesv HeefjJele&veere DeeJeleea pecee eespevee - 3 Jee& keer DeJeefOe kes efueS HeefjJele&veere efkemleeW Jeeueer Meg pecee eespevee.
yeQke ves efouueer leLee SvemeerDeej ceW Menjer meceeJesMeve Heefjeespevee Yeer Meg keer nw.
efJelleere meceeJesMeve eespevee kes Debleie&le nceejer 7 eeeesefpele #es$eere ieeceerCe yeQkeeW kees Deebyeefle 2000 mes DeefOeke pevemebKee Jeeues meYeer 3662 ieebJeeW kees keJej kej
efueee ieee nw.
efjsue $eCe
efjsue $eCe eespevee kes Debleie&le kegue $eCe efoveebke 31.03.2011 kes ` 12522 kejes][ mes ye{kej efoveebke 31.03.2012 kees ` 17496 kejes][ nes ieS, Fme
ekeej FveceW ` 4974 kejes][ keer Jeef ngF&, pees Jee& 2011 keer leguevee ceW 39.72% Jeef oMee&leer nw. yeQke kee efjsue Hees&Heesefueees kegue $eCeeW kee 11.61% Lee.
efjsue Deefiece mebJeef Ske Peueke (` kejes][ ceW)
31/03/2010
31/03/2011
31/03/2012
JeemleefJeke
JeemleefJeke
JeemleefJeke
Jee&-oj-Jee& Jeef
Jee&-oj-Jee& Jeef
Jee&-oj-Jee& Jeef
9%
26%
40%
9902
12522
17496
efjsue $eCe
107319
24%
131407
22%
150725
15%
kegue $eCe
9%
10%
12%
kegue $eCeeW kee%
17496
18000
16000
14000
12522
9902
12000
10000
8000
6000
4000
2000
0
31/03/2010
31/03/2011
efjsue $eCe
16
31/03/2012

kegue $eCe Hees&Heesefueees ceW efjsue $eCe kee efnmmee (` kejes][ ceW)
ceee& 2011
efjsue $eCe
kegue $eCe
efjsue kee efnmmee
ceee& 2012
12522
17496
131407
150725
9.53%
11.61%
150725
131407
160000
140000
120000
100000
80000
60000
17496
12522
40000
20000
0
ceee&, 2011
ceee&,2012
kegue $eCe
efjsue $eCe
veF& efjsue eespeveeDeesb kee eejbYe

1.
ueIeg GeefceeeW kes efJelleHeeseCe kes efuees mesv meneesie eespevee kee MegYeejbYe - yeQke ves esef[ ieejber Heb[ ^m Hee@j ceeFees SC[ mcee@ue SbjeeFpespe
kes j#eCe kes meeLe efJeMese leewj Hej ceeFees SJeb ueIeg GeefceeeW (SceSmeF&) kes efuees vees efjsue $eCe GlHeeo mesv meneesie kee DeejbYe efkeee nw. Fme eespevee
kee GsMe SceSmeF&#es$e, pees efke yengle efJeMeeue SJeb DeefOekeebMele: yeQke jefnle#es$e nw, kees Ske kejes][ Hees leke keer DeeJeMekeleeDeesb kes efueS DemegefJeOeecegkele
efJelleere meneelee eoeve kejvee nw. ess GeesieeW kees ` 10 ueeKe leke keer efJelleere meneelee kes efuees efJeMese Oeeve efoee ieee nw. eespevee efoveebke 2 Deketyej,
2011 mes ueeiet keer ieF& nw.
Fme eespevee kees SceSmeF& Keb[ eje mecegefele He mes mJeerkeej efkeee ieee nw, pees Fme leLe mes mHe nw efke 6 ceen kes ess mes meceeevlejeue ceW ner Fme
eespeveebleie&le 2834 KeeleeW ceW ` 200 kejes][ kee mebefJelejCe efkeee pee egkee nw.
2.
DeeJeeme $eCeeW kes ekeej -
mesv nesce mJeeefYeceeve Hueme

en GlHeeo JeefjeW/Jeefj veeieefjkeeW kees efjJeme& cee@iexpe megefJeOee kes meeLe DeeJeeme $eCe megefJeOee osves kes efuees yeveeee ieee nw. nceves Jeefj veeieefjkeeW/55 Jee& mes
DeefOeke Deeeg kes veeieefjkeeW nsleg DeeJeemeere Heefjeespevee kes efueS ee neGefmebie [sJeuesHeceW efueefces[ kes meeLe eF&-DeHe efkeee nw.
kesv/jepe mejkeej SJeb kesv mejkeej kes meeJe&peefveke#es$e kes kece&eeefjeeW kes efuees efJeMese DeeJeeme $eCe eespevee.
Fme eespevee kes Debleie&le, kesv/jepe mejkeej kes kece&eeefjeeW SJeb kesv mejkeej kes meeJe&peefveke#es$e kes kece&eeefjeeW kees Yeer yesme js Hej DeeJeeme $eCe megefJeOee
kee efJemleej efkeee ieee nw.
meHe meomeeW kes DeeJeeme $eCe ceW mesJeeefveJelle keer leejerKe kees yekeeee Mese kees ele#e DeeJeeme $eCe ceW HeefjJele&ve keer meHe meomeeW kes efuees
eespevee.
eespevee kee ue#e nw efke mesJeeefveJelle kes HeMeele Yeer meHe DeeJeeme $eCe yeQke kes Heeme ner jns.
17
3.
mesv Hejce
meMem$e mesvee SJeb Hewje-efceefueêr yeueeW kes efueS yengle meer Deekee&ke megefJeOeeDeesb; pewmes efve:Meguke Oeve-eseCe, efjeeeleer ojeW Hej efjsue $eCe, esef[ kee[& Deeefo mes
HeefjHetCe& efJeMese He mes yeveeF& ieF& en Ske Jesleve Keelee eespevee nw.
4.
ewveue efJee HeeseCe keer JeeHeke eespevee

ye][er kebHeefveeeW kes meeLe JeeJemeeefeke mecyebOe jKeves Jeeues [eruejeW kees keee&Meerue Hetbpeer kes efJeeHeeseCe nsleg ewveue efJeeHeeseCe Ske veJeesvcese efJekeuHe nw. en Ske Ssmee
leb$e Yeer nw, efpemekes ceeOece mes yeQke/efJeeere mebmLeeSb DeeHetefle& ebKeuee kes DeeHetefle&kelee&Deesb keer efJeefYevve efJelleere DeeJeMekeleeDeesb kees Hetje kejlee nw. en efJelejkeeW
keer keee&Meerue Hetbpeer mecyebOeer keefveeF& otj kej, Gvekes JeJemeee kees DeyeeefOele jKeves ceW meneelee eoeve kejleer nw.
Jele&ceeve efjsue $eCe eespeveeDeesb ceW mebMeesOeve:
eespevee
mesv nesce ueesve Hueme
mesv cee@iexpe
mesv jWue
mesv efJeeeLeea
SkepeerkeetefJe SceyeerS eespevee
DeeF&DeeF&SceSme kes efJeeeefLe&eeW kees Mew#eefCeke
$eCe
HeWMevejeW kees $eCe
Jeefkeleiele ieesu[ $eCe
mebMeesOeve
meceie meercee ceW Jeef keer ieF&.

Hee$elee ceeveoC[ HeefjJeefle&le efkees iees.
ieeceerCe#es$e ceW efmLele HeefjmebHeefe kees efJeeHeeseCe nsleg Hee$e efkeee ieee.
MeeKee eyebOekeeW keer eleeeesefpele $eCe MeefkeleeeW ceW mecegefele Jeef.
Deve eefleyebOe neS ieS.
MeeKee eyebOekeeW keer eleeeesefpele $eCe MeefkeleeeW ceW mecegefele Jeef.
Deve eefleyebOe neS ieS.
DeeF&yeerS cee@[ue Mew#eefCeke $eCe eespevee kee eejbYe.
eespevee ceW mebMeesOeve leLee keJejspe ye{eee ieee.
$eCe keer Hee$e jeefMe ` 12.5 ueeKe mes ye{ekej ` 20 ueeKe keer ieF&.
keesF& mebHeeefe&ke/ieejber DeeJeMeke veneR nw.
$eCe keer Hee$e jeefMe Gefele He mes ye{eF& ieF&.
Deeeg DeeOeeefjle Hee$elee ceW megOeej ngDee.
eefle ieece $eCe meercee ye{eF& ieF&.
eespevee keer leke&mebielelee : yeQke eje mecee-mecee Hej yeepeej keer ceebie kes DevegHe efHeues Je<eeX ceW keF& Hekeej keer ieenkeesvcegKeer DeLeJee GsMe Hejke efjsue
$eCe eespeveeSb Meg keer ieF& nQ. efjsue $eCe eespeveeDeeW kes mecetn kees leke& mebiele yeveeee ieee nw.
yeepe ojeW ceW Jeef kes keejCe F&SceDeeF& keer jeefMe ceW DeefmLej ye{esllejer mes $eefCeeeW kees jenle osves kes efueS Deye $eCeeW leLee Deve efjsue $eCeeW keer ceeefmeke efkemleeW
ceW HeefjJele&ve ve kejles ngS HegveYe&gieleeve DeJeefOe kees ye{eee pee mekelee nw.
DeeGmeesefme&bie veerefle: meermeerHeermeer eje mJeerkele efkeS ieS efjsue $eCe emleeJeeW kes efueS JeefkeleMe: mecHeke& (meerHeerJeer) SJeb omleeJespe meleeHeve efjHees&
([erJeerDeej) keer DeeGmeesefme&bie Deye keer pee mekeleer nw. meermeerHeermeer kes efueS Debeue kes Devleie&le Debeue mlej Hej emleeJe kes efueS DevegjesOe kee Deeceb$eCe kej
megefJeKeele #es$e peebe mebmLee kees en keee& DeeGmeesme& efkeee pee mekelee nw. DeeGmeesefme&bie keer eCeeueer HetCe&le: yeQke keer DeeGmeesefme&bie veerefle keer MeleeX kes
DevegHe nesveer eeefnS.
mesvûe jefpemêr: mejHesmeer DeefOeefveece, 2002 kes eeJeOeeveeW kes Debleie&le n]keefJeuesKe kes pecee mes efkeS peeves Jeeues meYeer yebOekeeW kee, yebOeke efkeS peeves keer efleefLe
mes 30 efove kes Yeerlej mesvûe jefpemêr ceW HebpeerkejCe efkeee peevee DeeJeMeke nw. etbefke Yeejle mejkeej eje en efoveebke 31.02.2011 kees DeefOemetefele efkeee
ieee Lee. Dele: efoveebke 31.03.2011 kees ee Fmekes HeMeele n]keefJeuesKe keer pecee mes efkeS ieS/efkeS peeves Jeeues meYeer yebOekeeW kee mesvûe jefpemêr ceW HebpeerkejCe
kejevee DeeJeMeke nw. efJeYeeie ves eefeee kes megee mebeeueve nsleg DeeJeMeke keoce GeS nQ, leeefke [ee eefJeef keWerkele He mes #es$eere keeee&ueeeW ceW nes
mekes. eskejeW kes efueS ef[peerue eceeCeHe$e keer DeeJeMekelee kes meeLe eskej/ceskej DeJeOeejCee Hej DeeOeeefjle mesvûe jefpemêr kee Ske veee mebmkejCe efoveebke
01.04.2012 mes Meg efkeee ieee nw. efJeYeeie ves ef[peerue eceeCe He$e peejer kejves kee keee& skevee@ueepeer efue. kees meeQHee nw. Jele&ceeve ceW yeQke ceW veee mebmkejCe
keeee&vJeeeve keer eefeee ceW nw.
18
efjsue $eCe veerefle - osMe ceW leerJe mHebefole

DeLe&JeJemLee ves efJeMeeue ee Mekeefle egkele Ske yengle
ye][e ceOece Jeie& efveefce&le efkeee nw. efjsue yeepeej kes
Fme ye{les ngS#es$e kees YeebHe kej Yeejle ceW yeQkeeW ves
DeHeves efkeesCe ceW Deecetue HeefjJele&ve efkeee nw, pees
Deye SveDeeF&Sce kes Ieves mes DeHeveer eceke Keesves
Jeeues kee@Heexjs#es$e kes mLeeve Hej Fve Jeefkeleiele
GOeejkelee&Deesb kees efJelleHeeseCe nsleg ue#e ceW jKe
jns nQ. nceejs kee@Heexjs ue#eeW ceW efveefnle efjsue
$eCeeW kes cenJe kees osKeles ngS efjsue $eCe veerefle
keer DeeJeMekelee cenmetme ngF& nw. efJeYeeie ves efjsue
$eCe veerefle (2011-12) yeveeF& nw. Fme veerefle kee
GsMe Heeru[ mlejere DeefOekeeefjeeW kees efjsue $eCeeW
kes mecyebOe ceW Ske meceeve SJeb PebPecegkele cetueebkeve
efJeefOe GHeueyOe kejeves kes meeLe-meeLe efjsue $eCe
keer ecegKe efJeMeseleeDeesb SJeb peesefKece kece kejves Jeeues
GHeeeeW kees jsKeebefkele kejvee nw.
DeOe#e SJeb eyebOe efveosMeke eer ceesnve Jeer. ebkemeeues, keee&Heeueke efveosMekeieCe eerceleer Jeer.Deej.Deej SJeb eer Deej.kes.ogyes
keer YeJe GHemefLeefle ceW [e@. jece Sme. mebieeHegjs, ceneeyebOeke efjsue yeQefkebie, mesvûe yeQke Dee@@He Fbef[ee, eer kes.eerefveJeemeve,
JeeFme esmeer[W erJeerSme ceesme& mes SceDeeset kee Deeoeve eoeve kejles ngS, eer yeerJeerJeeryeerSme jeJe, GHeceneeyebOeke, efjsue
yeQefkebie mesvûe yeQke Dee@@He Fbef[ee Yeer Heeses ceW efoKeeeer os jns nQ
Deve HenueW
osMe Yej ceW ecegKe #es$eere keeee&uee cegKeeueeeW ceW efoveebke 31 ceee&, 2012 kees 23 kesverkele $eCe emebmkejCe kesv (meermeerHeermeer) keee&jle Les.
yeQke ves Mese #es$eere keeee&uee cegKeeueeeW Hej 54 meermeerHeermeer Keesueves nsleg DeeJesove efkeee nw.
efJeeere Jee& keer otmejer :ceener ceW efjsue $eCe emebmkejCe, KeeleeW keer efveiejeveer SJeb SveHeerS kes eYeeJeer eyebOeve kes efueS yeQke eje veee mee@HeJesej keueeme
neefmeue efkeee ieee nw.
nceejs efjsue $eCe GlHeeoeW kees veS mee@HeJesej ceW meHeueleeHetJe&ke eeefuele kej 16 meermeerHeermeer ceW Fmekeer MegDeele keer ieF&. meYeer meermeerHeermeer/MeeKeeDeesb ceW
meYeer GlHeeoeW kes efueS Fme mee@HeJesej kees Deewue-ceF&, 2012 kes oewjeve Meg efkeee peeSiee.
efJelle Jee& 2012-13 ceW meYeer #es$eere cegKeeueeeW ceW efjsue Smes MeeKeeSb Keesueves keer eespevee nw.
ee neGefmebie, ceeefle megpeg]keer Fbef[ee efue. SJeb erJeerSme ceesme& kes meeLe ieyebOeve efkeee ieee.
yeQke kees DeHeves veJeesvcese efjsue GlHeeo mesv meneesie, efpemekeer MegDeele 2 Dekeletyej 2011 kees keer ieF& Leer. kes efueS ìeesu[ve Heerkee@ke' Hegjmkeej eeHle ngDee,
lJeefjle SJeb PebPecegkele $eCe efJelejCe eefeee kes ceeOece mes met#ce SJeb ueIeg Geceer SJeb mesJee eoelee kees cepeyetle kejves nsleg en GlHeeo leweej efkeee ieee nw. yeQefkebie jefnle
Fme yengle ye][s Jeie& kees yeQefkebie ceW Meeefceue kejvee Fme GlHeeo kee GsMe nw. Fme GlHeeo kees DeYetleHetJe& meHeuelee eeHle ngF& Deewj : ceen ceW Fmekes ceeOece mes ` 200
kejes][ kee HeefjceeCeelceke JeJemeee eeHle ngDee.
veF& Henue:
GlHeeo/mesJeeeW
Geesie SJeb meceke#e yeQkeeW kes mlej leLee ieenkeeW keer efJeefYevve efJelleere ceebieeW kes DevegHe yeQke DeHeveer Jele&ceeve efjsue $eCe eespeveeDeesb eLee mesv ^s[, mesv
cee@iexpe, ele#e DeeJeeme $eCe, Ske]peerkeetefJe SceyeerS kes efuees Mewef#eCeke $eCe, mebMeesefOele DeeF&yeerS cee@[ue kes Debleie&le mesv efJeeeLeea ceW efvejblej megOeej kej jne nw.
nceejs ieenkeeW keer Debleefve&efnle ceebie keer Hetefle& nsleg nceves veF& eespeveeeW pewmes mesv meneesie, mesv Hejce SJeb mejkeejer/meeJe&peefveke #es$e kes GHeece kes kece&eeefjeeW
kes efuees efJeMese DeeJeeme $eCe eespeveeeW eejbYe keer nQ.
19
Hegjeveer DeeJeemeere meesmeeFefeeW kes HegveefJe&keeme, Jeefj veeieefjkeeW kes efuees mesv nesce leLee Dees[er megefJeOee meefnle DeeJeeme $eCe pewmeer veeer eespeveeeW Meg kejves
keer eefeee peejer nw.
eeweesefiekeer HenueW : meermeerHeermeer Deewj keueeme mee@HeJesej kee MegYeejbYe
$eCe cetueebkeve eefeee leLee $eCe KeeleeW keer efveiejeveer kes efuees megJeJemefLele mebjevee yeveeves keer Deesj Ske ye][s keoce kes leewj Hej yeQke ves efjsue $eCeeW kes
emebmkejCe, mJeerkeefle SJeb efveiejeveer kes efuees keueeme mee@HeJesej neefmeue efkeee nw.
en mee@HeJesej $eCe emleeJe kes eejbYe SJeb mJeerkeefle mes Debeflece efveiejeveer leLee SveHeerS eyebOeve leke keer mebHetCe& eefeee kee Oeeve jKelee nw. en $eCe cetueebkeve
mecee kees kece kejves leLee DeeJesoveeW kes keeiepe jefnle emebmkejCe ceW ceoo kejlee nw.
ieyebOeve JeJemLeeeW
efjsue $eCe ye{eves kes efuees, nceves 160 mes DeefOeke Mew#eefCeke mebmLeeDeesb, Jeenve efvecee&leeDeesb pewmes ee ceesme&, ceeefle megpegkeer, erJeerSme ceesme& mes DevegyebOe
efkees nQ.
oble-efeefkelmekeeW SJeb Gvekes HeefjpeveeW kees efjsue $eCe GHeueyOe kejeves kes uees nceves Fbef[eve [Wue SmeesefmeSMeve (DeeF&[erS) mes Yeer ieyebOeve efkeee nw.
efJeosMeer Mew#eefCeke $eCe Hees&Heesefueees ye{eves kes efuees, nce efJeosMeer Mew#eefCeke mebmLeeveeW mes ieyebOeve mLeeefHele kejves keer eefeee ceW nQ.
Deve HenueW
efjsue GOeej veerefle kes efeeevJeeve kes yeeo, Heeru[ DeefOekeeefjeeW kees Deye nQ[ yegke GHeueyOe kejeF& ieF& nw, efpemeceW efjsue ueQef[bie mes mebyeefOele meYeer ecegKe
Hewjeceerj meceeefnle efkeS ieS nQ.
cee@iexpe [ee kes yewe DeHeueesef[bie kes eeJeOeeve meefnle mesvûe jefpemêr kes vees mebmkejCe kee efeeevJeeve, leeefke eleske MeeKee mJeleb$e leewj Hej [ee DeHeuees[
kejves ceW me#ece nes mekes.
nceejs DeeJeemeere $eCeeW ceW ieefle ueeves kes efueS nceves eefleefle efyeu[jeW pewmes SveJeeF&SerDeeF&, ScemeerSeDeeF&, uees{e iegHe SJeb ee neGefmebie ee@peske mes
ieyebOeve efkeee nw.
nceejs ieenkeeW keer yeercee mecyebOeer efJeefYevve DeeJeMekeleeDeesb keer Hetefle& nsleg Mew#eefCeke $eCeeW kes efueS yepeepe Sueeebme, efJeMese Hewkespe DeeJeeme $eCeeW kes efueS
keeske ceefnbe mes ieyebOeve efkeee nw.
keee&veerefleeeb
efjsue $eCeeW kes Debleie&le SveHeerS eyebOeve keer keee&veerefleeeb
efveiejeveer, eejbefYeke esleeJeveer mebkeslekeeW mes mueerHespe jeskeves SJeb Heee&Hle Jemetueer GHeeeeW meefnle otjieeceer SveHeerS eyebOeve eCeeueer ueeiet kejves kes efuees efvecveefueefKele
keee&veerefle yeveeF& ieF& nw.
efoveebke 01.04.2012 mes meYeer efjsue GlHeeoeW kes efuees keueeme mee@HeJesej Meg kejves mes meYeer MeeKeeDeesb kees efjsue $eCeeW kes Deefleose nesves kes Henues efove mes
ner efveiejeveer kejves ceW ceoo efceuesieer.
Fme mee@HeJesej mes #es$eere/Deebeefueke keeee&uee DeHeves keeee&ueeeW mes DeesJej[êHe keer efveiejeveer kej mekeWies.
yekeeee jeefMeeeW keer Jemetueer kes efuees mejHesmeer DeefOeefveece meefnle DeeJeMeke keej&JeeF& kes efuees MeeKeeDeesb kees efveoxMe efoes peeSbies.
SveHeerS jeefMeeeW keer Jemetueer kes efuees efveeefcele Deblejeue Hej Jemetueer kewcHe Deeeesefpele kejvee leLee Ske yeejieer mecePeewlee eespevee kes Debleie&le meceeOeeve kes efuees
Jemetueer keQHe Deeeesefpele kejvee.
efjsue yeQefkebie efJeYeeie ceW efJemlele efveiejeveer leLee kesvere keeee&uee eje ienve efveiejeveer.
[ee HeefjMeesOeve SJeb efmemce peefvele SveHeerS kece kejves kes efueS #es.kee. ceW erceeW kee ie"ve.
efpeve SveHeerS KeeleeW ceW eefleYetefle kes He ceW Deeue HeefjmebHeefe GHeueyOe nw. GveceW Oeeje 13(2) kes Debleie&le legjble veesefme Yespevee, HeefjmebHeefe kees keypes ceW ueskej
Gmekeer veerueeceer megefveefele kejvee.
meYeer efyebOeke HeefjmebHeefeeeW kee mesvûe jefpemêr ceW HebpeerkejCe kejvee.
20

efjsue esef[ ceW DeefYeJeef keer keee&eespeveeSb
Jesleve KeeleeW/DeeJeeme $eCeeW Je Deve efjsue GlHeeoeW kes eeej Je mebienCe nsleg, jepe mejkeej/kesv mejkeej/meeJe&peefveke#es$e kes GHeeceeW, j#ee/Hewje-efceefueêr
yeueeW kes efJeYeeieeW ceW peekej ceekexefbie oueeW eje mebHeke& kejvee.
efjsue $eCeeW keer mJeerkeefle SJeb SveHeerS KeeleeW ceW Jemetueer kes efueS yengGsMeere kewcHeeW kee Deeeespeve.
kee@Heexjs mes mebHeke& kej Gvekes Jesleve Keeles eeHle kejvee Deewj Gvekes ceeOece mes GlHeeoeW keer ee@me-mesefuebie kejvee.
DeeJeeme $eCe:- eefleefle efyeu[jeW; eLee uees{e efyeu[me&, MeeHetjpeer Heuueve peer, Meen efyeu[me&, iee@ojspe ee@Heea, yee@cyes efjeefueer Fleeefo mes ieyebOeve leLee efjeue
Sms SkemeHees, ^s[ Heseme&/ee@Heea cesueeW ceW Yeeie uesvee.
Jeefj" veeieefjkeeW kees DeeJeeme $eCe osves nsleg ee neGefmebie HeeeveWme kes meeLe ieyebOeve.
efJeosMeer Mew#eefCeke $eCe:- efJeosMeer Mew#eefCeke $eCe pees meeceevele: mecegefele mebHeeefe&ke eefleYetefle mes jef#ele jnles nQ, Hej peesj efoee peeSiee. efJeosMeer efJeMJeefJeeeueeeW
mes DevegyebefOele mebmLeeDeesb, Mew#eefCeke HejeceMe&oeleeDeesb mes ieyebOeve kes DeJemej leueeMes pee jns nQ leLee efJeosMeer Mew#eefCeke Hesej ceW Yeeie uesvee.
mesv Hejce : mesv Hejce kes Deekee&ke HeeeoeW kes ceeOece mes j#ee Je Hewje-efceefueêr yeueeW ceW eegj yeQefkebie JeJemeee keer mebYeeJeveeSb leueeMevee. mesvee keeefce&keeW kees
DeeJeeme $eCeeW kes efueS SveJeeF&SerDeeF& efyeu[j mes ieyebOeve
mesv meneesie : SceSmeF& JeeJemeeFeeW kes efueS %eeveepe&ve kewcHe leLee ^s[ Hesej eeeesefpele kej SceSmeF& #es$e ceW Hew ye{eves kes eeeme kejvee.
efjsue GlHeeoeW kee efJeHeCeve: ceekexefbie ef[Jeerpeve kees Deewj meg{ yeveeee peeSiee leLee ceekexefbie Je efjsue efJeYeeieeW kes leeuecesue mes efjsue GlHeeoeW kee YejHetj eeej
kej menpe GHeueyOe yeveeee peeSiee.
Deblej&eêre eYeeie
yeQke kee efJeosMeer efJeefvecee JeJemeee osMeYej ceW Hewueer 97 eeefOekele MeeKeeDeesb eje mebHevve efkeee peelee nw. Heefjeeueve kegMeuelee kes efueS cegbyeF& ceW yeQke kee kesverkele [erefuebie
ce nw leeefke keese eyebOeve Je Heefjeeueve megefJeOee ceW yesnlejer neefmeue keer pee mekes. Jele&ceeve efJee Jee& kes oewjeve yeQke kee efveee&le Hees&Heesefueees efoveebke 31.03.2011 kes
` 3865 kejes][ mes ye{kej efoveebke 31.03.2012 kees ` 4626 kejes][ nes ieee nw. yeQke ves HetCe&le: SveDeejDeeF& ieenkeeW keer mesJee kes efueS DeeCebo, ce[ieebJe, nwojeyeeo
leLee Yegpe ceW efJeMeseerkele SveDeejDeeF& MeeKeeSb eejbYe keer nQ. yeQke ves osMe keer meYeer MeeKeeDeesb kes GHeeesie nsleg F&-ueefve&bie leLee efveCe&e kejves nsleg mee@HeJesej FbmW
SveDeejDeeF& leLee FbmW Suemeer++ DeHeves Fbjves Hej Fbme@ue efkeS nQ.
eeuet efJee Jee& ceW yeQke ves, Yeejleere efj]peJe& yeQke mes osMeere efJeefveeeceke vewjesyeer efjHeefyueke Dee@@He kesvee ceW eefleefveefOe keeee&uee Keesueves keer Devegceefle ceebieer nw leLee es
eefleefveefOe keeee&uee efJeeere Jee& 2012-13 keer otmejer efleceener mes keee&jle nes peeSbies. yeQke eje [erDeeF&SHemeer ogyeF& ceW MeeKee leLee SejHees& Hej efJemleej Heue Keesuevee
emleeefJele nw.
^spejer, keese SJeb efveJesMe
yeQke kee efveJesMe Hees&Heesefueees efoveebke 31 ceee&, 2012 kees ye{kej ` 59577 kejes][ nes ieee nw, pees ceee&, 2011 ceW ` 58287 kejes][ Lee. Fme ekeej efHeues Jee& keer
leguevee ceW 2.21% keer Jeef ope& keer ieF& nw. efoveebke 31 ceee&, 2012 kees ome Jeeeae yeWeceeke& eefleHeue 8.57% jne nw.
DeejyeerDeeF& eje Hee@efuemeer ojeW ceW ueieeleej Jeef leLee GOeeefjeeW ceW Jeef kes keejCe $eCe yeepeej kes eefleHeue kece ngS. ye{leer ngF& cegemHeerefle kees efveebef$ele kejves kes efueS
DeejyeerDeeF& eje jsHees Je efjJeme& jsHees oj 6.75% mes ye{ekej 8.50%kej oer ieF&. Fme DeJeefOe kes oewjeve yeWeceeke& eefleHeue efoveebke 31 ceee&, 2011 kes 7.98% mes
ye{kej efoveebke 31 ceee&, 2012 ceW 8.57% nes ieee.
mejkeej eje GOeeefjeeW ceW Jeef kejves mes lejuelee Hej oyeeJe ye{e, pees Jee& kes DeefOekeebMe Yeeie ceW keceer Jeeues cees[ Hej jner. efmemce ceW Fme lejuelee oyeeJe kees kece kejves
kes efueS veJebyej, 2011 mes ceee&, 2012 kes oewjeve DeejyeerDeeF& ves DeesSceDees Kejerooejer eejbYe keer. DeejyeerDeeF& ves ` 135000 kejes][ keer eefleYetefleeeb KejeroeR Deewj Gleveer
lejuelee efmemce ceW eJeeefnle keer. Fmekes DeueeJee meerDeejDeej ceW 125 efyebogDeesb keer keceer kej Deefleefjkele ` 80000 kejes][ efmemce ceW GHeueyOe kejeS.
lejuelee oyeeJeiemle HeefjefmLeefleeeW leLee eefleHeueeW ceW keceer kes Heefjes#e ceW efHeues Jee& kes ^sef[bie cegveeHee ` 311.93 kejes][ keer leguevee ceW ceecetueer ye{le kes meeLe
kejes][ jne. en mebmeeOeveeW keer jCeveerefleke Deeeespevee leLee o#elee kes meeLe yeepeej kes DeJemejeW kee GHeeesie kejves mes neefmeue nes mekee. efveJesMeeW ceW efmeHe&
2.21% keer Jeef ngF& leLee efveJesMeeW kes eefleHeue 7.45% mes ye{kej 7.53% ngS.
` 320.06
21
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeeW kes DevegHeeueve ceW, yeQke ves mejkeej leLee jepe mejkeejeW keer ` 4064.25 kejes][ keer eefleYetefleeeb SSHeSme mes SeerSce ceW Debleefjle
keer leLee FveceW ` 159.75 kejes][ kee cetueeme o]pe& efkeee. efoveebke 31 ceee&, 2012 kees yeQke kes efveJesMe Hees&Heesefueees kee mebIeve Fme ekeej Lee:
(` kejes][ ceW)
e.meb. mebIeve
SmeSueDeej
1.
iewj SmeSueDeej
2.
kegue
efoveebke 31.03.2011
48054.94
10232.14
58287.08
efoveebke 31.03.2012
50977.43
8599.33
59576.76
Jee& kes oewjeve, yeQke ves yesKeeleeW ceW ` 24.29 kejes][ keer Jemetueer keer.
[sjerJesefJ]pe
yeQke ves yeepe oj SJeb cege [sjerJesefJ]pe oesveeW ceW meefee ^sef[bie keer nw. yeepe oj [sjerJesefJ]pe ceW yeQke ves DeesJejveeF Fb[skeme mJewHe ceW ^sef[bie keer nw. yeQke ves ceewefke [sjerJesefJ]pe
Debleie&le kejWmeer Heeteme& SJeb Hee@jJe[&med ceW Yeer meefee ^sef[bie keer. yeQke ves nsefpe]bie kes efueS Yeer ef[efjJe@efJemed kee GHeeesie efkeee. yeQke ves [sjerJesefJ]pe uesveosveeW mes ` 3.31
kejes][ Deefpe&le efkeS.
peesefKece eyebOeve
peesefKece eyebOeve eCeeueer/mebieveelceke mebjevee
yeQke ceW Deye megmLeeefHele peesefKece eyebOeve eCeeueer ceewpeto nw. $eCe, yeepeej leLee Heefjeeueve peesefKeceeW kes Debleie&le yeQke keer peesefKece eyebOeve veerefleeeW/eLeeDeesb kee efveosMeke
ceb[ue keer peesefKece eyebOeve meefceefle eje efveeefcele Hee&Jes#eCe efkeee peelee nw. GlHeeoeW kes keercele efveOee&jCe leLee yeepeej keer IeveeDeesb mes mecyebefOele peesefKece cee@[ue kes
efveOee&jCe mecyebOeer veerefleeeW keer meceer#ee kes meeLe meefceefle veF& peesefKeceeW keer Heneeve Je Gvekee efveeb$eCe Yeer kejleer nw. kee@Heexjs mlej Hej mecyebefOele efJeYeeieeW eje efJeefYevve
peesefKece HewjeceerjeW Hej Yeer meefceefle eje efveeefcele efveiejeveer jKeer peeleer nw.
peesefKece eyebOeve mebjevee
Heefjeeueve mlej Hej efJeefYevve meefceefleeeb; eLee yeepeej peesefKece kes efueS Deeefmle oselee meefceefle (Deeukees) $eCe peesefKece kes efueS esef[ peesefKece veerefle meefceefle
(meerDeejHeermeer) leLee Heefjeeueve peesefKece kes efueS Heefjeeueve peesefKece eyebOeve meefceefle (DeesDeejmeerDees) ieefle keer ieF& nw. efpemeceW Meere& eyebOe erce kes meome Meeefceue nQ.
es meefceefleeeb efJeefYevve yeQke HeefjeeueveeW kes Debleie&le peesefKece kes mlej keer efveiejeveer kes efueS Jee& Yej efveeefcele yewkeW kejleer nQ leLee DeeJeMekeleevegHe Gefele peesefKece
vetveerkejCe kes GHeee ueeiet kejleer nQ. meYeer #es$eere keeee&ueeeW ceW yeQke ves Jeefj eyebOeke/eyebOeke esCeer kes DeefOekeeefjeeW kees `peesefKece eyebOeke' kes leewj Hej DeefYeefeefvnle
efkeee ieee nw. es peesefKece eyebOeke,#es$eere keeee&uee mlej Hej kesvere keeee&uee kes peesefKece eyebOeve keer efJemleeefjle YegpeeDeesb kes leewj Hej keee& kejWies. yeQke ves kesvere
keeee&uee kes efJeefYevve efJeYeeieeW ceW Jeefj esCeer kes DeefOekeejer Yeer DeefYeefeefvnle efkeS nQ, pees peesefKece eyebOeve mes mecyebefOele Deebke][esb kes emlegleerkejCe SJeb peesefKece eyebOeve
keer meneelee kes efueS vees[ue DeefOekeejer kes He ceW keee& kejWies.
yeepeej peesefKece eyebOeve
efce[-Dee@@efHeme, yeepeej keer efmLeefle, efJeeHeeseCe Heefle keer meceer#ee kej SkemeHeespej, DeJeefOe eefle-He#e meercee SJeb efJeefYevve mebJesoveMeerue HewjeceerjeW kes mecyebOe ceW DevegHeeueve
megefveefele kejlee nw leLee efveeefcele Deblejeue Hej Meere& eyebOeve kees efjHees& kejlee nw. JeerSDeej pewmes tume leLee [etjsMeve efJeMueseCe kee GHeeesie, DeuHekeeue ceW yeQke keer
SveDeeF&DeeF& keer peesefKece Jenve kejves kes GHeee nsleg leLee oerIe&keeue ceW FefkeJeer cetue kes efueS efvejblej efkeee peelee nw. melele He mes ^sef[bie Hees&Heesefueees Hej Hetbpeeriele
eYeej kee Devegceeve ueieeves kes efueS ermeerSme eje yeveeS ieS cee@[ue kee efeeevJeeve yeepeej peesefKece kes mecyebOe ceW yeemeue II kes efoMeeefveoxMeeW kes Devegmeej efkeee pee jne
nw. yeQke eje Jele&ceeve efveJesMe SJeb yeepeej peesefKece eyebOeve veerefle keer meceer#ee keer ieF& nw. efJeosMeer cege keejesyeej kes efueS eefle-He#e meerceeDeesb kees Gvekeer veJeervelece eeflee
SJeb yeepeej ceW jsefbie kes DevegHe lee/mebMeesefOele keer ieF& nw.
$eCe peesefKece eyebOeve
yeQke ceW megmHe efueefKele $eCe peesefKece eyebOeve veerefle nw. efpemekeer Debeflece meceer#ee efoveebke 30.05.2011 kees efveosMeke ceb[ue eje keer ieF&. yeQke ves efeefmeue efue. mes Hetbpeer
Hej peesefKece meceeeesefpele eefleHeue (DeejSDeej Deesmeer), Suepeer[er SJeb F&S[er efveOee&jke tume meefnle Hewefmeefueer jsefbie cee@[etue eeHle kejvee Devegceesefole kej efoee nw.
Fme tue kees mLeeefHele kej Jee& 2011-12 keer Henueer efleceener ceW Fmes Meg kej efoee ieee nw. efjsue $eCe Hees&Heesefueees, efpemeceW Jeweefkeleke $eCe FkeeFeeW keer melele
DeeOeej Hej jsefbie JeJenee& veneR nw, Gvekes esCeerkejCe kes efueS Hees&Heesefueees jsefbie cee@[ue efJekeefmele efkeee pee jne nw. $eCe peesefKece eyebOeve keer eieefle keer efjHees&
keee&Heeueke efveosMeke keer DeOe#elee Jeeueer $eCe peesefKece veerefle meefceefle kees efveiejeveer nsleg emlegle keer peeleer nw.
22

Heefjeeueve peesefKece eyebOeve
yeQke ceW JeJemeee keer Heefjeeueve peesefKece efveeb$eCe kes efueS megmHe Heefjeeueve peesefKece eyebOeve veerefle eje ceeie&oefMe&le meg{ Skeerkele peesefKece eyebOeve mebjevee ceewpeto nw.
Heefjeeueve peesefKece eyebOeve meefceefle (DeesDeejmeerDees) efleceener Deblejeue ceW yeQke keer peesefKece eesHeeFue keer meceer#ee kejleer nw SJeb efveosMeke ceb[ue eje efkeee peeves Jeeuee
Hee&Jes#eCe Heefjeeueve peesefKece mes mecyebefOele iegCeelceke HenuegDeesb kees Deewj cepeyetle kejlee nw. Heefjeeueve peesefKece kes lenle Gvvele ceeHe efkeesCe keer Deesj ye{ves kes
efueS yeQke cee@[ue efJekeefmele kej jne nw leLee Gmekes efueS Yeejleere efj]peJe& yeQke kees DeeJesove efkeee peeSiee. veF& GlHeeo Devegceesove veerefle kee keeee&vJeeve veS GlHeeoeW
DeLeJee ieefleefJeefOeeeW mes peg][er peesefKece kees vetve kejves nsleg yeQke kees ceeie&oefMe&le kejleer nw.
Hetbpeer Deeeespevee
yeQke kes Heeme meg{ Deebleefjke Hetbpeer Heee&Hlelee cetueebkeve eefeee (DeeF&meerSSHeer) GHeueyOe nw yeQke kes efueS Hetbpeer DeeJeMekelee kee efveOee&jCe 4 JeeeX kes mecee Deblejeue kes
efueS efkeee peelee nw. Hetbpeer DeeJeMekelee kee efveOee&jCe, vetvelece efJeefveeeceke Hetbpeer DeeJeMekelee kees yeveeS jKeves kes efiele efkeee peelee nw. Hetbpeer SJeb eekekeueveeW keer
meceer#ee efleceener DeeOeej Hej keer peeleer nw.
Deeefmle SJeb oselee eyebOeve Heefleeeb
SSueSce ecegKeleee yeQke kes ueeYe kees DeefOekelece kejves kes GsMe mes Gmekeer lejuelee SJeb yeepe oj peesefKece kees ceeHeves leLee Gvekees JeJeefmLele jKeves mes mecyebefOele nw.
Deeuekees (Deeefmle SJeb oselee meefceefle) ves Jee& kes oewjeve yeQke keer lejuelee SJeb Deve mecyebefOele ceeceueeW mes mecyebefOele efmLeefle keer meceer#ee kejves kes efueS 24 yeej yewkeW keer.
efJeefveeeceke efjHees& kes DeueeJee, peceeDeesb Hej yeepe efveOee&jCe kejves kes meeLe-meeLe yesme js Deewj yeerHeerSueDeej kee efveOee&jCe Yeer SSueSce eje efkeee peelee nw. Jee& 201112 kes oewjeve pecee yeepe ojeW kees 7 yeej Deewj yesme js kees oes yeej mebMeesefOele efkeee ieee.
SSueSce efJeYeeie, efveefee HeefjmebHeefeeeW (nmles vekeoer, Deve yeQkeeW kes Heeme Mese jeefMe Fleeefo), $eCeeW kee yeepe oj /yesme js/yeerHeerSueDeej/efmLej oj Jeej JeieeakejCe,
nceejs yeQke Je nceejs meceke#e yeQkeeW kes keee&keejer HeefjCeeceeW mes mecyebefOele efJeefYevve efJeMueseCe efjHeesx, leke&mebiele SJeb DeLe&HetCe& efveCe&eeW kes efueS Meere& eyebOeve kes mece#e jKelee
nw.
yeemeue II efoMeeefveoxMeeW kee keeee&vJeeve
Yeejleere efj]peJe& yeQke ves pegueeF& 2011 ceW Hetbpeer Heee&Hlelee {ebes kes keeee&vJeeve Hej Deeleve ceemj HeefjHe$e peejer efkeee nw. Fve efoMeeefveoxMeeW kes Devegmeej yeQke ves efoveebke
31 ceee&, 2009 mes yeemeue II ceeveob[eW kees DeHeveeee nw leLee $eCe peesefKece nsleg ceevekeerkele efkeesCe, Heefjeeueve peesefKece kes efueS cetue mebkesleke efkeesCe
Deewj yeepeej peesefKece nsleg ceevekeerkele DeJeefOe Heefle kes DeeOeej Hej Hetbpeer kee eeJeOeeve efkeee nw.
yeQke ves mebHetCe& yeQke ceW yeemeue II ceeveob[eW kees Hetje kejves kes efueS Deblej&eêre Keeefle eeHle SmeSSme peesefKece eyebOeve me@uetMe@ve kes efeeevJeeve nsleg Ske
me@uetMe@ve eesJeeF[j keer efveegefkele keer nw. Gvvele efkeesCe leke Gejesej ye{ves kes efueS Yeejleere efj]peJe& yeQke ves JeeefCeefpeke yeQkeeW kes efueS mecee meercee efveOee&efjle keer
nw. yeQkeeW kees HejeceMe& efoee ieee Lee efke Jes Gvvele efkeesCe DeHeveeves kes efueS DeHeveer leweejer kee Deebleefjke cetueebkeve kejW. Heefjeeueve peesefKece kes Debleie&le ceevekeerkele
efkeesCe (erSmeS) DeHeveeves kes efueS meYeer JeeefCeefpeke yeQkeeW ceW mes nceejs yeQke ves meJe&eLece Yeejleere efj]peJe& yeQke kees DeeJesove emlegle efkeee nw. yeQke ves meYeer peesefKeceeW
kes mecyebOe ceW yeQke keer leweejer kee cetueebkeve/efveOee&jCe kejves leLee efJeeceeve peesefKece eyebOeve eCeeueer, HeefleeeW, eefeeeDeesb, SceDeeF&Sme, efJeMueseCeeW kees yesnlej/meMekele
yeveeves leLee yeQke ceW Skeerkele peesefKece eyebOeve eCeeueer kes keeee&vJeeve nsleg Ske meueenkeej efveegkele efkeee nw. meYeer DeeJeMeke veerefleeeb, pewmes $eCe peesefKece eyebOeve
veerefle, $eCe peesefKece vetveerkejCe leLee mebHeeefe&ke eyebOeve veerefle, yeepeej DevegMeemeve leLee eieerkejCe veerefle, DeeF&meerSSHeer Fleeefo megJeJeefmLele Deewj yees[& eje efJeefOeJele
Devegceesefole nw.
yeemeue III kes efueS nceejs yeQke keer leweejer
Yeejleere efj]peJe& yeQke ves efoveebke 2 ceF&, 2012 kees yeemeue III kes keeee&vJeeve Hej Debeflece efoMeeefveoxMe peejer efkeS nQ.
es efoMeeefveoxMe efoveebke 01 peveJejer, 2013 mes ejCeye He mes eYeeefJele neWies. yeemeue III DevegHeele efoveebke 31.03.2018 mes HetCe&le: keeee&efvJele neWies. efoveebke
31.03.2013 kees meceeHle Jee& mes yeQkeeW kees efJeeceeve efoMeeefveoxMe (yeemeue II) kes meeLe-meeLe yeemeue III Hetbpeer Heee&Hlelee HesceJeke& kes Debleie&le Hetbpeeriele DevegHeele eoefMe&le
kejves neWies.
yeemeue III efoMeeefveoxMeeW kee GsMe Hetbpeer keer iegCeJellee ceW megOeej leLee lejuelee efmLeefle Hej Oeeve osvee SJeb Gmekeer DeefYeJeef ceW meneelee eoeve kejvee nw. yeQke eje
yeemeue III kes DevegHe Hetbpeer, lejuelee DevegHeele SJeb ueerJejspe DevegHeeleeW kes efveOee&jCe keer Deebleefjke eefeee peejer nw SJeb DeHesef#ele Heefle kees mLeeefHele kejves kes efueS meefee
keoce GeS pee jns nQ.
Jemetueer
Devepe&ke DeeefmleeeW kes eyebOeve kes efueS efJemlele efoMeeefveoxMeeW kes meeLe yeQke keer megHeefjYeeefele Jemetueer veerefle nw, FmeceW SveHeerS eyebOeve kes meYeer#es$e, efveiejeveer, DevegJeleea
GHeee, meHe peJeeyeosner, mejHesmeer DeefOeefveece Fjeoleve etkekelee& leLee eyebOeve metevee eCeeueer Meeefceue nw. Fme veerefle keer mecee-mecee Hej meceer#ee keer peeleer nw,
efpememes FmeceW veJeervelece HeefjJele&ve/megOeej leLee SveHeerS meceeOeeve keer eJeefeeeb meceeefJe keer pee mekeW.
23
nceves efJelle ceb$eeuee, Yeejle mejkeej kes efoMeeefveoxMeeW kes Devegmeej efoveebke 30.09.2011 leke SveHeerS keer efmemce DeeOeeefjle Heneeve SJeb efceueeve Heefle DeHevee ueer nw.
nceeje yeQke efomecyej 2010 ceW ner 100%meeryeerSme HuesHee@ce& Hej keee&jle nes mekee, peyeefke nceejs meceke#e yeQkeeW ves ncemes keeHeer Henues ner en eefeee HetCe& kej ueer Leer.
Fme ekeej nceves [ee efkeueefvmebie kee keee&, nceejs meceke#e yeQkeeW kees GHeueyOe 2-3 Jee& keer leguevee ceW cee$e 9 ceen ceW ner kej efueee. FmeefueS Fme Jee& mekeue SveHeerS ceW
Jeef ngF& nw. nceves Fme ekeej keer $egefeeb megOeejves kes efueS mecegefele melele keee&veerefle ueeiet keer nw SJeb efJeMJeeme nw efke Deieues efJelle Jee& ceW Dee Gvveeve efoKeeF& osiee.
1.
Jee& 2011-12 kes oewjeve, yeQke ves Jemetueer kes keee&efveHeeove ceW megOeej efkeee nw, efkevleg efmemce peefvele SveHeerS DeHeveeves SJeb efJeHejerle DeeefLe&ke HeefjefmLeefleeeW kes
keejCe DeleefOeke efmueHespe nesves keer Jepen mes, SveHeerS mlej ye{ ieee nw.
S. mekeue SveHeerS kee mlej ` 2394 kejes][ mes ye{kej ` 7273 kejes][ nes ieee.
yeer. Meg SveHeerS efHeues Jee& kes ` 847 kejes][ mes ye{kej ` 4557 kejes][ nes ieee.
meer. mekeue SveHeerS leLee Meg SveHeerS DevegHeele ceW eceMe: 1.82% mes 4.83% SJeb 0.65% mes 3.09% Jeef ngF&.
[er. vekeo Jemetueer ` 736 kejes][ (` 177.74 kejes][ keer Deeefmle meefnle efyeeer) mes ye{kej ` 754 kejes][ (` 75 kejes][ keer Deeefmle meefnle efyekeer) nes ieF&.
2.
` 1.00
ueeKe leke keer meercee kes DeefieceeW kes efueS, efJeMese Ske yeejieer efveHeeve eespevee efoveebke
kejes][ keer jeefMe Jemetue keer ieF&.
31/03/2012
leke efJemleeefjle keer ieF& leLee
` 37.73
3.
` 1.00 ueeKe mes DeefOeke; Hejbleg ` 10.00 ueeKe leke keer yekeeee jeefMe kes efueS SveHeerS KeeleeW kes efueS mejueerkele DeeserSme eespevee kes lenle, yeQke ves Jee& kes
oewjeve ` 18.17 kejes][ Jemetue efkeS.
4.
Jee& 2012 kes oewjeve, ` 10.00 ueeKe leke keer mJeerkele $eCe meercee Jeeues ^wkej/keefe $eCeeW ceW Jemetueer kes efueS Ske veF& eespevee- keeke jenle eespevee keer
MegDeele keer nw Deewj ` 15.51 kejes][ keer jeefMe Jemetue keer nw.
5.
Jee& kes oewjeve, MeeKeeDeesb kes mecetn yeveekej #es$eere keeee&ueeeW/Deebeefueke keeee&ueeeW kes efJeefYevve mLeeveeW Hej [erDeejer ueeske Deoeuele leLee efpeuee mlejere ueeske
Deoeuele leLee Deve Jemetueer efMeefyejeW kee Deeeespeve efkeee ieee, efpemeceW DeeHemeer yeeleeerle kes ceeOece mes mecePeewles Hej ecegKe He mes peesj efoee ieee.
6.
ueIeg $eCeeW ceW Ge mebIeefvele SveHeerS Jeeueer MeeKeeDeesb/#es$eesb kees DeefYeefeefvnle kej Fve MeeKeeDeesb/#es$eesb Hej ecegKe Oeeve efoee pee jne nw. Fve MeeKeeDeesb/#es$eesb ceW
SveHeerS kes lelkeeue meceeOeeve nsleg MeeKee/#es$eJeej keee& eespevee leweej keer ieF& nw.
7.
Jee& kes oewjeve, MeeKee/#es$eere keeee&uee mlej Hej 7303 meeHleeefnke/ceeefmeke Jemetueer kewcHe Deeeesefpele efkeS ieS, FveceW ` 745 kejes][ keer jeefMe kes 64275
ceeceues efveHeeS ieS.
Jee& 2012-13 kes oewjeve, meIeve Jemetueer eeemeeW leLee Deeefmle iegCeJeee ceW megOeej ueeles ngS SveHeerS mlej kees kece kejves kes efueS yeQke eefleye nw.
DeefYeveJe Henue
yeQkeeMegjWme
peerJeve yeercee kes efueS Yeejleere peerJeve yeercee efveiece leLee iewj-peerJeve yeercee GlHeeoeW kes efueS eesuee SceSme pevejue FbMeesjWme kebHeveer keer kee@Heexjs SpeWmeer kes Devleie&le nceejs
yeQke eje yeercee meesJeeSb GHeueyOe kejeF& pee jner nw.
Jee& 2011-12 kes efueS keee&efveHeeove keer ecegKe efJeMeseleeSb efvecveevegmeej jneR.:
Yeejleere peerJeve yeercee efveiece eje meYeer 16 DebeueeW kees yeercee Debeue kes He ceW Ieesefele efkeee ieee.
Yeejleere peerJeve yeercee efveiece eje 67#es$eesb kees yeercee#es$e leLee 800 MeeKeeDeesb keer yeercee MeeKeeDeesb kes He ceW Ieesefele efkeee ieee.
Jee& kes oewjeve, yeQke ves 127540 peerJeve yeercee Hee@efueefmeeeb yese kej ` 184.70 kejes][ keer eerefceece jeefMe mebieefnle keer, pees efHeues Jee& kes cegkeeyeues efjkee@[& 72%
DeefOeke Leer.
yeQke ves peerJeve yeercee JeJemeee mes ` 13.53 kejes][ kee keceerMeve Deefpe&le efkeee.
yeQke ves pevejue FbMeesjWme JeJemeee kes lenle 164181 Hee@efuemeer yeseer leLee ` 6.30 kejes][ kee keceerMeve Deefpe&le efkeee.
yeQke ves pevejue FbMeesjbme Hee&vej eesuee SceSme pevejue FbMeesjWme kebHeveer kes meeLe eF&-DeHe JeJemLee kes peefjS Hesefceueer Heueesj jue nsuLe FbMeesjWme eespevee
keer MegDeele keer.
cetegDeue Heb[ kee mebefJelejCe
yeQke ves 11 DeieCeer cetegDeue Heb[ kes meeLe eF&-DeHe JeJemLee keer nw Deewj Jee& 2011-12 kes oewjeve ` 0.63 kejes][ kee keceerMeve Deefpe&le efkeee.
24

ef[Hee@efpejer mesJeeSb
yeQke 145 DeefYeefveOee&efjle MeeKeeDeesb kes ceeOece mes 23709 [er-cew KeeleeOeejkeeW kees ef[Hee@efpejer mesJeeSb GHeueyOe keje jne nw. meerScemeer efueefces[ eje eoe JesyeDeeOeeefjle me@uetMe@ve kes ceeOece mes mesvûe ef[Hee@efpejer meefJe&mesme efue. (meer[erSmeSue) kes meeLe JeJemLee kes lenle ef[Hee@efpejer Heeef&efmeHeW kes He ceW ef[Hee@efpejer mesJee
cegnwee kejeF& peeleer nQ.
Dee@@ve ueeFve ^sef[bie
yeQke, DeHeves ^s[ veece mesv-F&-^s[ kes meeLe Leer-Fve-Jeve Dee@@ve ueeFve ^sef[bie megefJeOee GHeueyOe keje jne nw, efpeve ieenkeeW kee yeQke kes Heeme Keelee nw leLee
pees [ercew Keelee jKeles nQ, GvnW eefleefle yeesbefeie Hece& cesmeme& Sefvpeue yeesefkebie efue. kes meeLe eF&-DeHe JeJemLee kes peefjS FefkeJeer Meseme& SJeb [sjerJesefJpe ceW ^sef[bie
kejves nsleg Dee@@ve ueeFve ^sef[bie megefJeOee GHeueyOe keje jne nw.
kesefHeue ceekex megefJeOeeSb pewmes Demeyee, [er-cew, efkeueeefjbie yeQke Fleeefo eoeve kejves nsleg cegcyeF& ceW kesefHeue ceekex meefJe&mesme MeeKee Keesueer ieF& nw leLee en Dee@@ve
ueeFve ^sef[bie nsleg efveeb$eke MeeKee nw.
metevee eeweesefiekeer
1. keesj yeQefkebie me@uetMe@ve:
meYeer MeeKeeDeesb kees keesj yeQefkebie HuesHee@ce& kes Debleie&le ueeee ieee nw. yeQke ves meYeer #es$eere ieeceerCe yeQkeeW ceW meeryeerSme kee 100% keJejspe neefmeue kej efueee nw. Keesueer
ieF& meYeer veF& MeeKeeDeesb kees Gvekes Henues efove mes ner meeryeerSme kes lenle ueeee ieee nw.
efoveebke 31.03.2012 kees meeryeerSme kee mLeeve Jeej keJejspe efvecveevegmeej nw:MeeKeeSb
4006
efJemleej Heue
18
efJemleeefjle mesJeeSb/mesueeF
19
Deeefmle Jemetueer MeeKee (SDeejyeer)
9
iewj JeJemeee keeee&uee (SveyeerDees)
21
SmemeerSHeer (Keelee emebmkejCe kes efueS efJeMeseerkele MeeKeeSb):
4
kesverkele $eCe emebmkejCe kesv (meermeerHeermeer)
15
Deebeefueke keeee&uee:
16
#es$eere keeee&uee:
75
eefMe#eCe ceneefJeeeuee:
3
vekeoer eyebOeve eCeeueer (meerSceSme)
9
2. vesJeke& SJeb kevesefkeefJeer.
vesJeke& kevesefkeefJeer kegue 4201 ueeskesMeveeW kees eoeve keer ieF& nw. MeeKeeDeesb kes vesJeke& kes efueS yeerSmeSveSue ecegKe mesJee eoelee nw. efJeefYevve mesJee eoelee pewmes cesmeme&
netpesme eje 800 MeeKeeDeesb kees Jeer-mes yeQke DeHe GHeueyOe kejeee ieee nw leLee veF& Keesueer ieF& MeeKeeDeesb kes efueS 300 efuebke eeHle efkeS ieS nQ. efpeve MeeKeeDeesb ceW
meskeC[jer efuebke meer[erSceS efmeiveue kecepeesj nw, GveceW eeFcejer efuebke kes He ceW 275 Jeer-mes mLeeefHele efkeS ieS nQ.
veF& metevee Heeweesefiekeer HeefjeespeveeDeesb Sme[erDeej, SueSHeerSme, SHeDeeF& Fleeefo kes megueYe keee& kes efueS leLee ueeriesmeer DeeJesoveeW nsleg Ge#ecelee Jeeues veS eske HeeFb
HeeejJee@ue [ermeer SJeb [erDeejmeer ceW ueieeS ieS nQ. vesJeke& DeHe-eFce, iele Jee& kes 96% mes megOejkej 98% nes ieee nw.
Iebs mes DeefOeke kes efueS DemebHeefke&le MeeKeeDeesb keer mebKee Iekej, Deewmeleve 3 mes 4 jn ieF& nw, pees efHeues Jee& ceW ueieYeie 20 Leer. meYeer #es$eere keeee&ueeeW kes
yewC[efJe[ kees DeHeies[ kejles ngS 1 SceyeerHeerSme kej efoee ieee nw.
24
[ermeer SJeb [erDeejmeer kes yeere efuebke, efJeeceeve 44 SceyeerHeerSme mes ye{ekej 60 SceyeerHeerSme efkeee ieee nw.
nce meYeer #es$eere keeee&ueeeW/kece&eejer eefMe#eCe kesvesb/kee@Heexjs efJee MeeKeeDeesb ceW Jeer[erDees keevHesbefmebie megefJeOee GHeueyOe keje jns nQ Deewj Fbjves yewC[efJe[ SHueerkesMevme
kes efueS 2 SceyeerHeerSme mes ye{ekej 8 SceyeerHeerSme Fvjves yewC[efJe[ kej jns nQ.
25
3.
Fbjves yeQefkebie
Fbjves yeQefkebie megefJeOee kee keeee&vJeeve Jeweefkeleke SJeb kee@Heexjs ieenkeeW kes efueS efkeee ieee nw. Fbjves yeQefkebie kes ceeOece mes ieenkeeW kees efJeefYevve mesJeeSb GHeueyOe
kejeF& peeleer nQ. pewmes efveefOe DeblejCe, Dee@@ve ueeFve kej pecee efmLeefle, etefefueer efyeue HesceW, kesv mejkeej kes efJeYeeieeW leLee efJeefYevve jepe mejkeejeW kes efueS Dee@@ve ueeFve
wkeme Yegieleeve, SejueeFvme yegefkebie, cetJeer efefkeefbie, Mee@efHebie, cebefoj ceW oeve osves, eOeeveceb$eer jeêre jenle keese ceW oeve, efj]peesveWme SJeb Suesve ke@efjej Fbmeret Meguke
mebienCe, eskeeW kes Yegieleeve Hej jeske, Keeles kee efveeefcele efJeJejCe kes DeueeJee kemceeFp][ Keelee efJeJejCe Fleeefo. Fmekes DeueeJee efjsue ieenkeeW kes efueS Dee@@ve ueeFve
HeemeJe[& mepeve megefJeOee Yeer nw. kee@Heexjs ieenkeeW kes efueS Fbjves yeQefkebie kes ceeOece mes DeejerpeerSme/SveF&SHeer megefJeOee Yeer GHeueyOe nw.
yeQke kes Yeerlej 100 kejes][ keer owefveke meercee leke efveefOe DeblejCe megefJeOee leLee kee@Heexjs Fbjves yeQefkebie kes lenle SveF&SHeer keer Leeske jeefMe DeHeuees[ nsleg GHeueyOe nw.
ieenkeeW keer DeeJeMekeleevegmeej, efcekeme SJeb cees[ Seese ceW kee@Heexjs Fbjves yeQefkebie GHeueyOe nw. MeeKeeDeesb kees Fbjves yeQefkebie kes ceeOece mes kej Yegieleeve kees eeefuele
kejves nsleg metefele efkeee ieee nw. Fbjves yeQefkebie kes GHeeesiekelee& DeeOeej ceW melele Jeef nes jner nw Deewj efoveebke 31.03.2012 kees en ueieYeie 181540 leke Hengbe
egkeer nw. ceF& 2011 ceen ceW kemcej efjmee& Hebefej cewipeerve eje Ske mJeleb$e meJex#eCe efkeee ieee Deewj GvneWves GuuesKe efkeee nw efke meYeer meceke#e yeQkeeW ceW nceeje
Fbjves yeQefkebie eeflemeeo mecee meyemes lespe nw.
4.
Dee@@ve ueeFve kej Yegieleeve.
ele#e kej GlHeeo, mesJee, [erpeerSHeer ueeFmeWme Meguke, Heefece yebieeue jepe mejkeej kej, ceneje^ jepe efyeeer kej, Jew SJeb JeeJemeeefeke kej Yegieleeve, Gej
HeosMe jepe kes kejeW, DeeFmeies meercee Meguke Yegieleeve, PeejKeb[ kej, efouueer efyeeer kej kes F&-Yegieleeve nsleg Fbjves yeQefkebie kes ceeOece mes Dee@@ve ueeFve Yegieleeve keer
megefJeOee GHeueyOe nw. Dees][erMee SJeb efyenej mejkeej kes kej mebienCe kes efueS veee cee@[etue GHeueyOe nw, peneb 40 mes DeefOeke yeQkeeW kes ieenkeieCe iesJes mesJeeDeesb kes meeLe
kejeW kee Yegieleeve mesvûe yeQke Dee@@He Fbef[ee keer meneelee mes kej mekeles nQ. efmeefJeue mesJee ceb$eeuee, Keee SJeb Deve F&-HeerSDees keer Yegieleeve eCeeueer Meg kej oer ieF& nw.
5.
SmeSceSme yeQefkebie :
SmeSceSme yeQefkebie kes ceeOece mes ieenkeeW eje efkeS ieS uesveosve Hej GvnW lelkeeue meleke&lee mebosMe meefnle Keeles keer metevee GHeueyOe kejeF& peeleer nw. Jele&ceeve ceW ieenkeeW
kes efJekeuHe kes Devegmeej 15 efJeefYevve Yeejleere YeeeeDeesb ceW efvecve kes efueS SmeSceSme Deue& Yespes peeles nQ. i) yeele Keeles ceW ` 1,000/- mes DeefOeke leLee eeuet/Dees[er
Keeles ceW ` 50,000/- mes DeefOeke veeces/pecee kes efueS, ii) meceeMeesOeve eske vekeejs peeves Hej, iii) Keeles keer Mese jeefMe efveOee&efjle vetvelece mlej mes veeres eues peeves Hej,
iv) meeJeefOe pecee keer HeefjHekeJelee mes 7 efove Henues.
MeeKee eyebOekeeW kees efveeb$eCe leLee cee@efveefjbie eeespeveeLe& leLee F&Dees[er kes mecee Yeewefleke vekeoer kee efceueeve veneR nesves Hej Deewj MeeKeeDeesb ceW efveOee&efjle efoveeW leke
skeveerkeue kee@vê ceW yekeeee Mese Hej, Oeeve veneR efoS peeves Hej, Ge eeefOekeeefjeeW kees Yeer SmeSceSme Deue& Yespes peeles nQ. SmeSceSme-Deue& Deewmele meeHleeefnke
vekeoer Mese, Deewmele peceeDeesb kee 0.35% nesves Hej #es$eere eyebOeke kees Yeer SmeSceSme Deue& Yespevee emleeefJele nw.
6.
ceesyeeFue yeQefkebie :
Hetlee SJeb efveefOeeeW kes DevlejCe kes HeefjeeueveeW nsleg ceesyeeFue yeQefkebie Meg keer ieF& nw. ceesyeeFue yeQefkebie kes ceeOece mes efkeS ieS uesveosve, SC[-t-Sv[ FvmeefeHMeve Deewj
t Heskej Dee@LeefvkesMeve efJeMeseleeDeesb kes meeLe megjef#ele nesles nQ. Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeevegmeej, ` 5,000/- leke kes uesveosveeW kes efueS nceves ceesyeeFue
yeQefkebie kes uees-efmekeegefjer Je]pe&ve kee keeee&vJeeve efkeee nw. ceesyeeFue yeQefkebie Devegeeesie ceW SveF&SHeer efveefOe DeblejCe megefJeOee Yeer GHeueyOe nw.
7.
sueer yeQefkebie:
Heesve yeQefkebie me@uetMe@ve kee keeee&vJeeve Debiespeer SJeb efnvoer ceW DeeJeepe keer efjkee@ef[&bie kes meeLe efkeee peelee nw Deewj meeryeerSme MeeKeeDeesb kes meYeer ieenkeeW kees en megefJeOee
GHeueyOe nw.
8.
efcem[ kee@ue Deue& :
en megefJeOee nceejs keemee ieenkeeW kes efueS GHeueyOe nw, efpemekes eje ieenke Mese jeefMe keer peevekeejer Deewj efJeefMe vebyej Hej efcem[ kee@ue osles ngS Debeflece leerve uesveosveeW
keer efve:Meguke peevekeejer eeHle kej mekeles nQ. Fme veF& DeefYeveJe ieenkeesvcegKeer Henue kes efueS nceW Yeejleere yeQke mebIe mes eMebmee Yeer eeHle ngF& nw.
9.
SHueerkesMeve meHeesx[ yeee yuee@ke[ jeefMe (Demeyee):
Yeejleere eefleYetefle Deewj efJeefvecee yees[& ves kebHeefveeeW eje Meseme& kes eejbefYeke meeJe&peefveke efveie&ce keer efJeeceeve eefeee kees mêrceueeFve efkeee nw Deewj SHueerkesMeve meHeesx[
yeee yuee@ke[ jeefMe (Demeyee) veeceke Hetjke eefeee Meg keer nw. nceves DeHeves meYeer ieenkeeW kes efueS Demeyee megefJeOeeDeesb keer MegDeele keer nw, efpemekes eje yeQke kees Gvekes
yeQke Keeles mes SHueerkesMeve kees yuee@ke kejves nsleg eeefOekele kejles ngS, yeQke kes ceeOece mes efveJesMeke meeJe&peefveke efveie&ce (DeeF&HeerDees/SHeHeerDees/jeF FMet) kees meymeeeFye
kej mekelee/mekeleer nw Deewj lelHeMeele Deeyebve jeefMe kees Yespe efoee peelee nw. ieenkeieCe meeJe&peefveke efveie&ce kes efueS ner Fvjves yeQefkebie kes ceeOece mes Demeyee nsleg
Yeer DeeJesove kej mekeles nQ.
26

10.
keerDee@@mke yeQefkebie :
F&-uee@yeer/keerDee@@mke ceW vekeo-pecee, eske pecee, Heemeyegke efeefvbie, uesveosve keer Hetlee, Fbjves yeQefkebie keer megefJeOeeSb GHeueyOe nw. en F&uee@yeer/keerDee@mke eej mLeeveeW
DeLee&le cegbyeF& cegKe keeee&uee, meeryeer[er yesueeHegj, HegCes kewcHe SJeb esme Sefjee MeeKee, efouueer ceW ueieeF& ieF& nw.
keerDee@@mke/F&-uee@yeer 25 mLeeveeW Hej ueieeves kes efueS Devegceesove eeHle efkeee ieee nw. leovegmeej, eleske ye][s Debeue DeLee&le cegbyeF&, efouueer, esvvew, keesuekeelee, Denceoeyeeo,
YeesHeeue, ueKeveT, HegCes, nwojeyeeo ceW 2-2 leLee veeieHegj, jeeHegj, Hevee, iegJeeneer, cegpeHeHejHegj, eb[erie{ leLee Deeieje ceW Ske-Ske keerDee@@mke mLeeefHele kejves keer
eespevee nw. Fve keerDee@@mke kee keeee&vJeeve efoveebke 30 petve, 2012 leke Hetje nes peeves keer mebYeeJevee nw.
11.
F&-JeeGej :
efmemce êvpeskeMeve kes Debleie&le efoveebke 21.12.2011 kees F&-JeeGej keee& keer MegDeele keer ieF& nw Deewj en HeerDeesSme ceMeerve kes ceeOece mes efkeee peelee nw, efpememes
ieenkeieCe yeQke ceW ner Skeue efKe][keer Heefjeeueke (Sme[yuetDees) keer meercee leke vekeo pecee/DeenjCe, efveefOe DeblejCe kej mekeles nQ.
Jele&ceeve efJelleere Jee& ceW keer peeves Jeeueer veF& HenueeW ceW ceneje^ mejkeej kes peerDeejSSme meJe&j mes peg][vee, 100 keerDee@@mke/F&-uee@yeer keer mLeeHevee, jsueJes kes efueS F&-Hes
mes peg][vee, kee@Heexjs Fbjves yeQefkebie kes ceeOece mes Yeejleere peerJeve yeercee efveiece kes efueS Yegieleeve eCeeueer mLeeefHele kejvee nw. Devlej yeQke ceesyeeFue Yegieleeve eCeeueer kes
efueS SveHeermeerDeeF& kes meeLe SkeerkejCe. Fbjves yeQefkebie kes ceeOece mes jsueJes efefke yegefkebie kes efueS DeeF&Deejmeerermeer kes meeLe peg][eJe Meeefceue nw.
12.
JesyemeeF :
JesyemeeF keer efoKeeJe SJeb DevegYetefle ceW veS HeefjJele&ve Hetjs kej efueS ieS nQ Deewj en GlHeeoeW kes Heeej nsleg leweej nw. JesyemeeF ceW Dee@@ve-ueeFve efMekeeele cee@[etue ceW
mebMeesOeve kees HetCe& kej efueee ieee nw Deewj JeJemeee efJeYeeie kees metefele kej efoee ieee nw. Fbjves yeQefkebie leLee yeQke keer DeefOekeeefjke JesyemeeF kes efueS, cesmeme& SSS
skeveesuee@efpeme eeFJes efueefces[ ves eewLeer efleceener kes efueS megj#ee uesKeeHejer#ee Hetjer kej ueer nw.
13.
Yeejleere efj]peJe& yeQke HeefjeespeveeSb :
m^s Let eesmesefmebie (SmeerHeer) kee GHeeesie kejles ngS meYeer meeryeerSme MeeKeeDeesb kees DeejerpeerSme leLee SveF&SHeer meceefLe&le efkeee ieee nw. efoveebke 31 ceee&, 2012 kees
4151 MeeKeeDeesb/efJemleej HeueeW/SveyeerDees/keeee&ueeeW kees DeejerpeerSme kes efueS leLee 4150 MeeKeeDeesb/efJemleej HeueeW/SveyeerDees/keeee&ueeeW kees SveF&SHeer meceefLe&le
efkeee ieee nw. en megefJeOee Fbjves yeQefkebie eCeeueer ceW Yeer GHeueyOe nw.
meYeer 7 #es$eere ieeceerCe yeQkeeW ceW meeryeerSme kes efeeevJeeve mes 1811 MeeKeeDeesb Deewj efJemleej HeueeW kees SveF&SHeer kes Debleie&le ueeee ieee nw.
14.
eske ^bkesMeve eCeeueer (meererSme)
esvvew ceW yeee meesle Hej meererSme efkeeeefvJele efkeee ieee nw. efoveebke 24.03.2012 kees yeWieueg ceW eeeesefieke DeeOeej Hej meererSme kee keeee&vJeeve efkeee ieee nw leLee
keesecyeletj ceW meererSme kes keeee&vJeeve kes efueS yeee meesle cee@[ue nsleg Devegceesove eeHle efkeee nw.
15.
kee@ue mesvj
efoveebke 6 pegueeF&, 2011 mes DeeF&[eryeerDeeF& Fvske eje DeeGmeesme& cee@[ue Hej kee@ue mesvj Heefjeeefuele efkeee pee jne nw. eefleyebefOele Jet-Dee@@HMeve kes meeLe kee@ue
mesvj ceW meeryeerSme FvjHesme eoeve efkeee ieee nw, Fmemes kee@ue mesvj Spesv ieenkeeW kees efJeefYevve KeeleeW mecyebOeer peevekeejer osves ceW me#ece nes mekes nQ. kee@ue mesvj
kes ceeOece mes ieenkeeW kees efvecveefueefKele mesJeeSb eoeve keer pee jner nQ.
yeQke kes GlHeeoeW SJeb mesJeeDeesb keer peevekeejer
MeeKee/SerSce mLeeveeW keer peevekeejer
yeepe oj SJeb mesJee eYeejeW keer peevekeejer
Mese jeefMe keer Hetlee
uesveosve keer Hetlee
eske mebKee mecyebOeer Hetlee
[sefye kee[& ne@-efueefmbie
Deefpe&le yeepe/eolle yeepe keer Hetlee
er[erSme Hetlee
uesveosve efJeJejCe
peejer DeLeJee pecee efkeS ieS eske keer efmLeefle
meer[er/meermeer/Dees[er meercee SJeb yeepe keer Hetlee

27
ieenkeeW mes eeHle efkemeer Deve Hetlee kee peJeeye osvee

efMekeeeleeW keer efjkee@ef[&bie kejvee leLee yeQke keer ieenke efMekeeele eCeeueer ceW Fmes Heer[ kejvee, leeefke GHeegkele mlej Hej Fmekee efvejekejCe nes mekes.
ieenke mesJeeDeesb kees Deewj DeefOeke mJeeeefuele kejves leLee peJeeyeer mecee kece kejves kes efueS Dee@@ve ueeFve HeefjJesMe ceW FbjSefkeJe Jee@Fme efjmeHee@vme (DeeFJeerDeej) kes ceeOece
mes efvecveefueefKele mesJeeSb eoeve keer pee jner nw.
Mese jeefMe keer Hetlee
Debeflece 4 uesveosve
eske keer efmLeefle
eske kee Yegieleeve jeskevee
êbpeskeMeve-efHeve mepeve
16. efmebieue [ee efjHee@efpejer (Sme[erDeej)
efmebieue [ee efjHee@efpejer (Sme[erDeej) efjHees& keer DeHes#eeDeesb kees Debeflece He efoee ieee nw leLee Fmekes eeHe leweej kejves kes efueS 564 efjHeesX Dee&F&yeerSce kees oer ieF&
nQ. ceF& 2012 mes efjHeeseX kes ekeeMeve keer eespevee yeveeF& ieF& nw leLee SveHeerS [wMe yees[& keer eeseseFHe leweej keer ieF& nw. Hueeefvebie SJeb yepeefbie keee& nsleg efoveebke 5 ceee&,
2012 kees kee@Heexjs keee&efveHeeove eyebOeve (meerHeerSce) leweej efkeee nw. SSueSce msefke SmeDeejSme kees Debeflece He efoee ieee nw. SSueSce mes mecyebefOele [ee
efvekee&Ce keee& eefeeeiele nw, efpemekes ceF&, 2012 leke eeeueve ceW Deeves keer DeHes#ee nw.
17. SeDeejSceSme :
HeerHegue mee@He SeDeejSceSme me@uetMe@ve kes ceeOece mes HejJejer, 2012 ceW kesvere keeee&uee leLee 16 DebeueeW kes efueS meceeveeblej Hes-jesue eefeee Hetjer nes egkeer nw, Deewj
Ssmeer eespevee nw efke Deewue 2012 mes meYeer kece&eeefjeeW kes Jesleve kee emebmkejCe HeerHegue mee@He SeDeejSceSme kes Debleie&le kesverkele efkeee peeS. DeJekeeMe ien/êbefpe
nesce keer Dee@@ve ueeFve yegefkebie keer megefJeOeeSb SeDeejSceSme kes ceeOece mes GHeueyOe kejeF& ieF& nQ.
18. DeeF&er ieJeveXme
yeQke ceW DeeF&er keee&veerefle, DeeF&er mebeeueve SJeb DeeF&er peesefKece eyebOeve meefceefleeeW kes ieve mes yeQke ceW DeeF&er ieJeveXme nsleg DeeJeMeke mebjevee efveefce&le kej ueer ieF& nw.
mebeeueve meefceefle, JeeJemeeefeke keee&veerefle kes meeLe DeeF&er keee&veerefle kes mecevegHeve Hej iebYeerjleeHetJe&ke efJeeej-efJeceMe& kejsieer. meceie He mes HeefjeespeveeDeesb SJeb DeeF&er
kes efueS meblegefuele mkeesjkee[& leweej efkeS ieS SJeb efveosMeke ceb[ue ves FvnW Devegceesefole kej efoee nw Deewj ceeefmeke Deeleve kee keee& HeejbYe nes egkee nw leLee peveJejer,
2012 leke kes veJeervelece Debke emlegle kej efoS ieS nQ.
DeeF&er mebeeueve meefceefle keer Deeeesefpele Henueer yewke ceW efvecveefueefKele efveCe&e efueS ieS.
DeeF&er veerefle Devegceesefole keer ieF& nw.
JeJemeee meelele eespevee Hej eee& keer ieF& Deewj en lee efkeee ieee efke MeeKeeDeesb kes efueS JeJemeee meelele eespevee (yeer.meer.Heer.) yeveeF& peeS, efpemeceW Gve
ieefleefJeefOeeeW kee GuuesKe efkeee peee, pees vesJeke& efJeHeue jnves kes oewjeve keer peeveer nw leLee Fmes meYeer JeeJemeeefeke keeee&ueeeW kees Heefjeeefuele kejves kes meeLemeeLe ieenkeeW nsleg veesefme yees[& Hej Yeer eoefMe&le kejeee peeS.
Heermeer, efebj, SerSce Deeefo kes efveHeeve nsleg ne[&Jesej efveHeeve veerefle, efpemeceW mHe DevegosMe SJeb Mee.e./#es.e./Deeb.e./Deeefo keer Meefkeleeeb meceeefnle neW.
vesJeke& kevesefkeefJeer ceW megOeej keer DeeJeMekelee Hej efJeMese peesj efoee ieee nw.
uesKeeHejer#ee SJeb efvejer#eCe

yeQke ceW Jee& kes oewjeve DevegHeeueve mebmkeefle ceW GuuesKeveere megOeej ngDee nw. meg{ uesKeeHejer#ee eCeeueer yeveeves kes efueS cenlJeHetCe& Henue keer nw. Fme Henue ceW metevee eCeeueer,
uesKeeHejer#ee veerefle, Deebleefjke uesKeeHejer#ee veerefle ceW mebMeesOeve SJeb mebieeceer uesKeeHejer#ee veerefle kees eer yemeble mes keceser keer DevegMebmee eeHe kes DevegHe yeveevee meefcceefuele
nw. MeeKeeDeesb keer mebieeceer uesKeeHejer#ee kejves kes Fgke meveoer uesKeekeej HeceeX kes efueS Jesye-DeeOeeefjle DeeJesove eefkeee keer MegDeele, Dee@@He-meeF cee@efveefjbie, OeveMeesOeve jeskeves kes efueS oeejs kees ye{evee, meeryeerSme ceW 100%kesJeeF&meer Deeleve kejvee, meceeHeve kes efueS efveele meYeer uesKeeHejer#ee efjHeeseX kees yevo kejvee, efJeeere peebe
kes oewjeve HeeS ieS jepemJe efjmeeJe keer Jemetueer, Fleeefo keee& efkeS ieS. MeeKeeDeesb ceW ieenkeeW kees yesnlej mesJee eoeve kejves kes efueS keee& eCeeueer mes mecyebefOele ceeceueeW kes
efveHeeve ceW Yeer uesKeeHejer#ee keee& meneeke neslee nw.
MeeKee efJemleej
efoveebke 31 ceee&, 2012 kees, yeQke kes vesJeke& ceW 4011 MeeKeeSb SJeb 29 messueeF keeee&uee Les. Jee& kes oewjeve, 283 MeeKeeSb Keesueer ieF&b, efpemeceW 121 efJemleej
HeueeW kee Gvveeve SJeb 5 messueeF MeeKeeDeesb kees mebHetCe& MeeKee ceW HeefjJeefle&le kejvee, 4 efJeMeseerkele SveDeejDeeF& MeeKeeSb, 1 kesHeerue ceekex meefJe&mesme MeeKee, 1
Deeefmle Jemetueer MeeKee SJeb 7 efce[ kee@Heexjs MeeKeeSb Meeefceue nQ. Yeewieesefueke efmLeefle kes Devegmeej, ieeceerCe#es$eesb ceW 1497 MeeKeeSb, De& - MenjeW ceW 1037, MenjeW ceW 781
MeeKeeSb SJeb ceneveiejeW kesvesb ceW 696 MeeKeeSb nQ. Meleeyoer efoJeme kees eeoieej yeveeves kes efueS yeQke eje efoveebke 21 efomecyej, 2011 kees 100 MeeKeeSb Keesueer ieF&b.
28

efJemleej Heue
Jee& keer MegDeele ceW 139 efJemleej Heue Les, efpeveceW mes 121 efJemleej HeueeW kes mebHetCe& MeeKee ceW HeefjJele&ve kes GHejeble efJee Jee& 2011-12 kes Deble ceW 18 efJemleej
Heue Mese nQ.
Heefjeeueve
ieenke efMekeeeleW
yeQke ves Fme efJee Jee& kes oewjeve ieenke mesJee megOeejves nsleg keF& mebkeuHeveeDeesb keer MegDeele keer nw.
keesF& ieenke nceejer MeeKee ceW efJeeceeve ieenke kes Heefjee kes efyevee Keelee Keesue mekelee nw.
yeQke ves veeyeeefueieeW kees Yeer SerSce kee[& peejer kejves keer MegDeele keer nw.
nceejer yeQke ves Ske veF& eespevee Jeefj veeieefjkeeW/DeHebie/De#ece KeeleeOeejke -2012 keer MegDeele keer nw.
nceejer yeQke ves ieenke mesJee Hej oeceesojve keceser keer DevegMebmeeDeesb kees keeee&efvJele efkeee nw.
ieenke efMekeeeleW
nceejer yeQke ves ieenkeeW kees Gvekeer efMekeeeleeW kes efveJeejCe nsleg yesnlej DeJemej GHeueyOe kejeves kes efueS 24X7 Iebs kee@ue meWj eejbYe efkeee nw. efpemekee esue Heer vecyej
1800 200 1911 nw. efMekeeeleeW kes lJeefjle efveJeejCe nsleg ieenke efMekeeele efveJeejCe eCeeueer kees HetCe&le: Dee@@ve ueeFve efkeee ieee nw. DeeGuegke HeeFveWefMeeue eje
ieenke meblegef Hej kejeS ieS Ske meJex#eCe ceW nceejer efMekeeele efveJeejCe eCeeueer kees meyemes yesnlej ceevee ieee nw.
DeeF&yeerDeej
meYeer MeeKeeDeesb kees keesj yeQefkebie HuesHee@ce& kes Debleie&le ueeves kes GHejeble, efoveebke 01.01.2012 mes Ske veF& DeeF&yeerDeej eCeeueer `meer2meer' (keesj t keesj) efkeeeefvJele
keer ieF& nw. Fme veF& eCeeueer ceW eefJeef-oj-eefJeef efceueeve (Dee@@es meceecesueve) keer megefJeOee nw, pees efke efHeueer Hegjeveer eCeeueer ceW GHeueyOe veneR Leer. Fmekes DeueeJee, ceebie
[êHe kes peejer Je Yegieleeve, Deblej MeeKee uesveosve SJeb Deblej-yeQke vekeo DeblejCe mes mecyebefOele Deve keF& efJeMeseleeSb nQ.
jepeYeeee :
mesvûe yeQke Dee@@He Fbef[ee kees Yeejle mejkeej keer jepeYeeee veerefle kes Glke keeee&vJeeve nsleg jepeYeeee efJeYeeie, ien ceb$eeuee, Yeejle mejkeej eje Fme efJelleere Jee&
ceW Fbefoje ieebOeer jepeYeeee Meeru[ mes Hegjmkele efkeee ieee. yeQke kes DeOe#e SJeb eyebOe efveosMeke eer ceesnve Jeer. ebkemeeues ves Yeejle keer je^Heefle ceneceefnce eerceleer
eefleYee osJeerefmebn Heeefue kes MegYenmles efJe%eeve YeJeve, veF& efouueer ceW Deeeesefpele Ske YeJe meceejesn ceW en Meeru[ eeHle keer.
yeQkeeW SJeb efJelleere mebmLeeveeW kes efueS es jepeYeeee keeee&vJeeve kes efueS Yeejleere efj]peJe& yeQke eje jepeYeeee veerefle kes Glke keeee&vJeeve kes#es$e ceW `Yeejleere
efj]peJe& yeQke ieJeve&j Meeru[ eefleeesefielee' kes Debleie&le Yeeefeke#es$e ke SJeb Ke ceW nceejs yeQke kees Hegjmkeej eeHle ngDee nw.
Fmekes Deefleefjkele, Fme Jee& ceneje^ ceW yesnlej jepeYeeee keeee&vJeeve kes efueS ceneje^ jepe mlejere yeQkeme& meefceefle eje SJeb iegpejele ceW iegpejele jepe mlejere yeQkeme&
meefceefle eje nceejs yeQke kees Hegjmkeej eoeve efkeee ieee nw.
efJelle Jee& kes oewjeve, jepeYeeee efJeYeeie, Yeejle mejkeej, ien ceb$eeuee kes DeOeerve keee&jle efJeefYevve veiej jepeYeeee keeee&vJeeve meefceefleeeW (vejekeeme) eje nceejer
efJeefYevve MeeKeeDeesb/#es$eere/Deebeefueke keeee&ueeeW kees kegue 30 Hegjmkeej/Meeru[ eeHle ngF& nQ. veiej jepeYeeee keeee&vJeeve meefceefle, YeesHeeue SJeb veiej jepeYeeee
keeee&vJeeve meefceefle, jeeHegj, efpevekee mebeespeke nceeje yeQke nw, kees Yeejle mejkeej, ien ceb$eeuee, jepeYeeee efJeYeeie eje Hegjmkeej eoeve efkeee ieee nw.
Fme Jee&, jepeYeeee veerefle kes keeee&vJeeve kes mebyebOe ceW mebmeoere jepeYeeee meefceefle eje nceejs keesuekeelee Debeue keer ke@efuecHeebie MeeKee SJeb kegefme&eebie MeeKee, leLee
Deebeefueke keeee&uee, eb[erie{ kes DeOeerve, ceveeueer MeeKee kee efvejer#eCe efkeee ieee. nceejs yeQke eje jepeYeeee veerefle kes keeee&vJeeve ceW efkeS pee jns eeemeeW kees yengle
mejene ieee.
nceejs yeQke ves keesj yeQefkebie me@uetMe@ve ceW efnvoer ceW keee& kejves keer megefJeOee GHeueyOe kejeF& nw. ieenkeeW kes DevegjesOe Hej nceeje yeQke Heemeyegke, [êHe, meeJeefOe pecee jmeeroW
SJeb Keelee-efJeJejCeer efnboer ceW GHeueyOe kejelee nw. nceejs yeQke eje mecceeveveere ieenkeeW kees efnboer SJeb 7 efJeefYevve #es$eere YeeeeDeesb ceW SmeSceSme Yespes peeles nQ.
Jee& kes oewjeve, yeQke ves Deiemle, efmelecyej SJeb Dekeletyej 2011 ceen ceW eceMe: YeesHeeue, efouueer SJeb cegbyeF& ceW mesefceveej Deeeesefpele efkeS ieS. Fmekes Deefleefjkele, meYeer
jepeYeeee DeefOekeeefjeeW nsleg oes efoJemeere leerve efJeMese mesefceveej YeesHeeue SJeb cegbyeF& ceW Deeeesefpele efkeS ieS. Fvekes DeueeJee, efoveebke 27 peveJejer, 2012 kees jepeYeeee
DeefOekeeefjeeW kes efueS cegbyeF& ceW efJeMese jepeYeeee mesefceveej Deeeesefpele efkeee ieee.
29
jepeYeeee efJeYeeie, kesvere keeee&uee ves nceejs yeQke keer Fefleneme Hegefmlekee kes efnboer ekeeMeve ceW cenllJeHetCe& Yetefcekee Deoe keer. Fme Hegefmlekee kee ueeskeeHe&Ce, efoveebke
29 ceee&, 2012 kees evojcegKeer kes Dee@@ef[esefjece ceW Deeeesefpele Ske keee&ece ceW eer Deevebo efmevne, GHe ieJeve&j, Yeejleere efj]peJe& yeQke eje efkeee ieee.
Fme efJelle Jee& kes oewjeve, efeeeefvJele efkeS peeves Jeeues ecegKe keee&efyebog efvecveevegmeej nQ :
1.
Jesye yesm[ efjHeesef&bie kes Debleie&le, efleceener eieefle efjHees& kee Dee@@ve-ueeFve emlegleerkejCe.
2.
Heemeyegke, ceebie [êHe, meeJeefOe pecee jmeero SJeb Keelee-efJeJejCeer keer efJeeceeve efebefbie megefJeOee kees DeefOekeebMe MeeKeeDeesb ceW efJemleeefjle kejvee. leeefke nceejs
DeefOekelece ieenke Fme megefJeOee kee ueeYe Ge mekeW.
3.
Yeejle mejkeej, jepeYeeee efJeYeeie, ien ceb$eeuee SJeb Yeejleere efj]peJe& yeQke eje efoS peeves Jeeues DeefOeke mes DeefOeke Hegjmkeej HeeHle kejvee.
4.
keee&o#elee SJeb keee&-efveHeeove ye{eves nsleg meYeer jepeYeeee DeefOekeeefjeeW kees eefMe#eCe eoeve kejvee.
kee@Heexjs kecegefvekesMeve
Jee& kes oewjeve, jeêre SJeb#es$eere meceeeej He$eesb kes ceeOece mes nceejer kee@Heexjs yewbef[bie keer eefeee kes Debleie&le nce ` 819.56 ueeKe kes Kee& mes 2013.60 ueeKe keer
emeej mebKee leke Hengbes nQ; DeLee&le efjkee@ue ueeiele efmeHe& ` 0.40 jner nw. keee&HeeuekeeW SJeb JeeJemeeFeeW kes yeere yewb[ FefkeJeer mLeeefHele SJeb eJeefle&le kejves nsleg, ceee&
2012 kees meceeHle meceer#eeOeerve Jee& kes oewjeve mecee-mecee Hej Gemlejere mebeej ceeref[ee kee GHeeesie efkeee ieee.
nceejs Meleeyoer Jee& kees Oeeve ceW jKeles ngS, nceejs yewb[, mesJeeDeesb SJeb GlHeeoeW kes yeejs ceW efvejblej mepeielee yeveeS jKeves kes efueS efeb Fueskeê@efvekeme leLee yeee ceeref[ee
eje kee@Heexjs eeej kee keee& kee@Heexjs keeee&uee eje efkeee ieee. Fme eefeee kes oewjeve, yeQke kes efJeHeCeve GsMeeW kees eeHle kejves nsleg yepe SJeb iewj yepe oesveeW
ekeej mes DeefYeeeve/eeej-emeej efkeee ieee Lee. Meleeyoer Jee& kes oewjeve, DeHeveer efJeefpeefyeuer ye{eves nsleg nceejer meYeer MeeKeeDeesb/keeee&uee HeefjmejeW kees jesMeve efkeee
ieee SJeb nceejer Meleeyoer ee$ee kees eoefMe&le kejves nsleg ecegKe nesef[&bime mLeeve efueS ieS.
Meleeyoer Jee& kes oewjeve, meYeer kesvesb Hej efJeefYevve keee&ece Deeeesefpele efkeS ieS. meceeHeve meceejesn keee&ece veF& efouueer SJeb cegcyeF& ceW Deeeesefpele efkeS ieS. efouueer ceW
efoveebke 21.12.2011 kees Deeeesefpele keee&ece ceW ceeveveere efJee ceb$eer, Yeejle mejkeej eer eCeye cegKepeea, eer veceesveejeeCe ceerCee, jepe ceb$eer, Yeejle mejkeej, eer
[er.kes.efceeue (DeeF&SSme), meefeJe, efJeeere mesJeeSb efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej keer GHeefmLeefle mes keee&ece keer ieefjcee ye{er. Fme MegYe DeJemej Hej nceejer
Fefleneme Hegefmlekee kee efJeceeseve efkeee ieee. efoveebke 26.12.2011 kees cegcyeF& ceW Deeeesefpele keee&ece ceW ceneje^ kes cegKeceb$eer eer HeLJeerjepe eJneCe keer GHeefmLeefle
ves keee&ece keer MeesYee ye{eF& Deewj keee&ece kes oewjeve, Yetues efyemejs veeekeeW, cenllJeHetCe& ieenkeeW SJeb HetJe& Ge keee&HeeuekeeW kees mecceeefvele efkeee ieee.
Jee& kes oewjeve, yeQke eje je^ keer eieefle kes meeLe yeQke keer 100 Jee& keer Ssefleneefmeke ee$ee kee eoMe&vekeejer erJeermeer keee&ece sueerefJe]peve Hej sueerkeem efkeee ieee.
Fme erJeermeer keee&ece ves yeepeej ceW Oetce ceeeF&. eleske oMe&ke ves Fmekeer mejenvee keer. nceves Jee& kes oewjeve efvecveefueefKele erJeermeer emeeefjle efkeS leerve GlHeeo DeLee&le, mesv nesce, mesv Jnerkeue, mesv pJesue
Meleeyoer Jee& Hej erJeermeer - 45 meskeb[ keer yeQke keer kee@Heexjs efHeuce
efoveebke 21 efomecyej, 2011 kees jsef[ees Hej meerSce[er kee GodyeesOeve
efoveebke 26 efomecyej, 2011 kees sueerefJepeve Hej nceejs yeQke kee ueIeg efe$e emeeefjle efkeee ieee.
efvecveefueefKele JesyemeeF Hej nceejer GHeefmLeefle nw www.legalera.in
efJeefOeke ceeceueeW Hej meteveeSb GHeueyOe kejeves kes efueS.
www.eaclubdelhi.in- efouueer
SJeb DeemeHeeme kes FueekeeW ceW efJeefYevve GlHeeoeW kes yeejs ceW meteveeDeeW kes efueS.
Jee& kes oewjeve, nceejs yewbef[bie eeemeeW ves cenllJeHetCe& Heieefle oMee&les ngS yewb[ HeeFveWme keer e@He 500 iueesyeue HeeFveWefMeeue yewb[dme ceW Dee HeoMe&ve efkeee nw, yeQke ves Jee&
2012 ceW jQefkebie kece ceW 61 mLeeveeW keer TBeer ueebie ueiee kej Je<e& 2011 kes 390 JeW mLeeve mes 329 Jeeb mLeeve neefmeue efkeee nw.
meleke&lee
Jee& 2011-12 kes oewjeve, yeQke ves meYeer #es$eesb ceW GuuesKeveere meHeuelee kes meeLe engbcegKeer eieefle keer; pewmes efke meleke&lee kes ceeceueeW leLee efMekeeeleeW kee efveHeeve
leerJelee mes efkeee ieee. DeefOekeejer mesJee efJeefveeceve kes efJeefveece 20.3(iii) kees Deye leke keer leguevee ceW vetvelece ceeceueeW ceW ueeiet efkeee ieee. Fmekes Deefleefjkele, meleke&lee
DeefOekeeefjeeW SJeb [erefuebie DeefOekeeefjeeW kees meeryeerSme JeeleeJejCe ceW ceeceueeW kees eYeeJeer He ceW lespeer mes efveHeeves nsleg eefMeef#ele efkeee ieee.
30

veF& Henue kes leewj Hej OeesKeeOe[er kes efJeefMe ceeceueeW SJeb keee&eCeeueer keer KeeefceeeW mes efveHeves kes eYeeJeer GHeeeeW kes yeejs ceW efJeeej efJeceMe& kejves kes efueS Deebeefueke mlej
Hej OeesKeeOe][er jeskeLeece meefceefleeeW kee ieve efkeee ieee. Fme meefceefle kee ieve Deebeefueke eyebOeke, #es$eere eyebOeke Deewj ieeceerCe, De&-Menjer SJeb Menjer MeeKee kes
Ske-Ske MeeKee eyebOeke kees Meeefceue kej efkeee ieee nw. Fmekes DeueeJee MeeKeeDeesb ceW meHe meomeeW meefnle Ge jeefMeeeW kes uesveosve kees osKeves keer megefJeOee efveeb$eke
keeee&ueeeW kees eoeve keer ieF& nw.
meleke&lee peeiekelee meHleen kes oewjeve, keoeeejeW kes efveeb$eCe kes GsMe mes efJeYeeie ves meHe meomeeW keer Heneeve iegHle jKeles ngS Gvekes keoeeejesb keer efjHeesefie kes
efueS Jesye Hej Ske veS Hees&ue keer MegDeele keer nw, efpemekeer peevekeejer kesJeue cegKe meleke&lee DeefOekeejer kees ner nesieer. Fme Hees&ue kees mesv efJeefpeue veece efoee ieee
nw, efpemekee GodIeeve efoveebke 24 veJebyej, 2011 kees kesvere meleke&lee Deeeesie kes meleke&lee Deeegkele eer pes.Sce. ieie& eje efkeee ieee.
Yeejleere efjpeJe& yeQke kees OeesKeeOe[er kes ceeceueeW keer efjHeesef&bie efveOee&efjle DeJeefOe ceW kejvee megefveefele kejves kes efueS pegueeF& 2011 mes efjHees& (SHeSceDeej-1) kee
emlegleerkejCe Dee@@ve ueeFve efkeee ieee nw. HeefjCeecemJeHe Jee& 2011-12 kes oewjeve Fme mecyebOe ceW Yeejleere efj]peJe& yeQke kees keer peeves Jeeueer efjHeesef&bie ceW ueieYeie keesF&
efJeuecye veneR ngDee.
Heeru[ kece&eeefjeeW kes GlmeenJe&ve kes efueS veJecyej-2011 ceW Deeeesefpele meleke&lee peeiekelee meHleen kes oewjeve meleke&lee Deeegkele, meerJeermeer SJeb meerSce[er eje Gve
kece&eeefjeeW kees mecceeefvele efkeee ieee, efpevneWves OeesKeeOeef[]eeb jeskeves/OeesKeeOe[er] keer jeefMeeeb Jemetue kejves ceW DevegkejCeere meenme kee Heefjee efoee nw.
ceeveJe mebmeeOeve efJekeeme
1.
ceeveJeMeefkele
ceee& 2012 keer meceeefHle Hej, yeQke kes meHe keer mebKee efHeues Jee& keer 34,015 keer leguevee ceW 35,901 (HeererSmekes meefnle) nw. meHe kee esCeerJeej JeieeakejCe
efvecveevegmeej nw :
esCeer
DeefOekeejer
efueefHeke
DeOeervemLe kece&eejer
kegue eesie
2.
ceee& 2012
ceee& 2011
12375
12883
15167
12770
8359
8362
35901
34015
ceeveJe mebmeeOeve efJekeeme

I.
yeQke ceW es ceeveJe mebmeeOeve eLeeDeesb keer mebmLeeHevee kes efueS Hegjmkele:
nceejs DeOe#e SJeb eyebOe efveosMeke kees ceeveJe mebmeeOeve efJekeeme, veslelJeMeeruelee SJeb #ecelee efvecee&Ce ceW Glke eesieoeve kees jsKeebefkele kejves nsleg efJee
SeDeej[er keebiesme kes meccesueve ceW eefleefle ueer[jefMeHe DeJee[& meerF&Dees efJeLe Se Deej DeesefjSbsMeve eoeve efkeee ieee.
yeQke kes mecHetCe& mebie"ve ceW Glke SJeb DeefYeveJe SeDeej veerefleeeb megmLeeefHele kejves keer Henue kejves kes mecceeve mJeHe, mej vetpe SeDeej SC[
ueer[jefMeHe DeJee[& Hee@j SeDeej SkemeerueWme Hee@j FveesJesefJe SeDeej esefkemespe SC[ MeeFve.kee@ce, efnvogmleeve eFcme SeDeej ueer[jefMeHe DeJee[& Hee@j
ueeref[bie SeDeej esefkemespe Fve keJeeefueer Jeke&-ueeFHe, efHeefpekeue SC[ ceWue Jesue-yeeRFie oes mebIeveelceke Hegjmkeej eeHle ngS.
II.
keee&-efveHeeove cetueebkeve kes veS eeHe keer MegDeele:

meeJe&peefveke#es$e kes yeQkeeW ceW meYeer mlej kes DeefOekeefjeeW kes efueS Jeeefe&ke keee&-efveHeeove cetueebkeve efjHeeseX ceW meceHelee ueeves nsleg, Yeejle mejkeej
eje megPeeS ieS keee&-efveHeeove cetueebkeve kes veS eeHe Meg efkeS ieS nQ. leovegmeej, efJee Jee& 2011-12 mes DeefOekeeefjeeW kes efueS mebMeesefOele keee&efveHeeove cetueebkeve eeHe ueeiet efkeS ieS nQ.
III.
cegKeOeeje SJeb efJeMese%e esCeer DeefOekeefjeeW kes efueS ke@efjej-HeeLe-kece-Heoesvveefle veerefle:

Yeejle mejkeej kes efoMeeefveoxMe efoveebke 05.12.2011 kees meceeefnle kejles ngS yees[& kes Devegceesove mes cegKeOeeje SJeb efJeMese%e esCeer DeefOekeefjeeW kes
efueS veF& Heoesvveefle veerefle yeveeF& ieF& nw. en mebMeesefOele Heoesvveefle veerefle efoveebke 31.01.2012 mes eYeeJeer nw leLee Yeejle mejkeej mes Hegve: efoveebke
14.03.2012 kes mebeseCe kes efoMeeefveoxMeevegmeej Fmes Hegve: mebMeesefOele efkeee ieee nw.
31
IV.
Jesleveceeve I, II SJeb III kes DeefOekeeefjeeW kes mLeeveeblejCe ceeveob[eW ceW mebMeesOeve :
meceer#eeOeerve DeJeefOe kes oewjeve, DeefOekeeefjeeW ceW ye{leer Deekeeb#eeDeesb kees Oeeve ceW jKeles ngS DeefOekeeefjeeW kes efnle ceW DeefOekeeefjeeW kes mLeeveeblejCe ceeveob[eW
kes efJeeceeve eeJeOeeveeW ceW keg mebMeesOeve efkeS ieS nQ. Fve HeefjJele&veeW mes DeefOekeeefjeeW ceW veJe-eslevee peeiele ngF& nw SJeb FvnW DeefOekeeefjeeW eje mejene ieee
nw.
V.
mesv meceeOeeve veeceke Jesye-Hees&ue kee MegYeejbYe

yeQke ves meHe meomeeW keer Jeefkeleiele efMekeeeleeW kes meceeOeeve nsleg mesv meceeOeeve veeceke Jesye-Hees&ue keer MegDeele keer nw. Fme Hees&ue kes ceeOece
mes eeHle efMekeeeleW meerOes meerSce[er/F&[er kes Oeeve ceW ueeF& peeleer nQ. GHee&gkele Henue kece&eeefjeeW keer Jeefkeleiele efMekeeeleeW kes legjble efveJeejCe SJeb meHe
meomeeW ceW efJeeeme SJeb HeejoefMe&lee kee JeeleeJejCe mLeeefHele kej, meHe SJeb mebmLee keer GlHeeokelee Deewj keee&efveHeeove ceW Jeef kejves keer meose mes
keer ieF& nw.
VI.
yeQke ces keee&ienCe kes GHejeble DeHeveer Mewef#eefCeke eesielee ceW Jeef kejves nsleg DeOeervemLe kece&eeefjeeW kes efueS eeslmeenve eespevee:
yeQke ceW keee&ienCe kejves kes Heeele DeHeveer Mewef#eefCeke eesieleeDeesb ceW megOeej ueeves nsleg DeOeervemLe meHe meomeeW kees eeslmeeefnle SJeb esefjle kejves kes
efueS, eyebOeve eje eeslmeenve eespevee keer MegDeele keer nw. Fme eespevee kes Debleie&le efkemeer Yeer jepe/kesvere yees[& mes SmeSmemeer (10JeeR/ces^wkeguesMeve)
Deewj/ee SeSmemeer (10 + 2) DeLeJee etpeermeer eje ceevelee eeHle efJeMJeefJeeeuee mes efkemeer Yeer efJeee ceW mveeleke Hejer#ee GeerCe& kejves Hej eeslmeenve
GHeueyOe nw. eeslmeenveeW ceW mebHetCe& Hejer#ee Meguke keer eefleHetefle&, ceeveose kee Yegieleeve SJeb eMeefmle He$e Meeefceue nw.
VII.
SeDeej veerefleeeW kes Glke keeee&vJeeve nsleg #es$eere eyebOekeeW kees SeDeej SkemeerueWme DeJee[& mes mecceeefvele kejvee:
kee@Heexjs keeee&uee eje DeejbYe keer ieF& SeDeej veerefleeeW SJeb eLeeDeesb kes keeee&vJeeve keer DeeMekeleeDeesb mebyebOeer peeiekelee ye{eves Deewj #es$e/Debeue
eje Gvekes keeee&vJeeve keer efmLeefle kee Deekeueve kejves kes GsMe mes SeDeej eefeee kes es keeee&vJeeve ceW Glkelee oMee&ves Jeeues #es$eere eyebOekeeW
kees mecceeefvele kejves kes efueS SeDeej SkemeerueWme DeJee[& veeceke eeslmeenve eespevee eejbYe keer ieF& nw.
IX.
ceefnuee kece&eeefjeeW kees DeHeves ke@efjej kes oewjeve efJeMese mecemeeDeesb mes efveHeves kes efueS efJeeece DeJekeeMe keer MegDeele:
Yeejle mejkeej kes mebeseCe efoveebke 28.02.2012 kes ceeOece mes eeHle efoMeeefveoxMeevegmeej ceefnuee kece&eeefjeeW kees Gvekes ke@efjej kes oewjeve efJeMese
mecemeeDeesb mes efveHeves nsleg nceejer yeQke ves efoveebke 01.04.2012 mes efJeeece DeJekeeMe eespevee keer MegDeele keer nw.
X.
kece&eeefjeeW kes efueS Yeeesb/megefJeOeeDeesb kee efJemleej:

mebmLee kes efueS Glke keee& kejves nsleg kece&eeefjeeW kee ceveesyeue ye{eves kes efueS DeeJeeme efvecee&Ce $eCe, Deefleefjkele DeeJeeme $eCe, efkejeee eefleHetefle&
Deeefo keer jeefMe ceW ye{esejer keer ieF&.
3.
eefMe#eCe:
meg{ eyebOeve erce kes HeefjHeeseCe SJeb Gemlejere GejJeefle&eeW kes Heefjefvecee&Ce ceW iegCeJeeeegkele eefMe#eCe DeeOeejefMeuee kee keee& kejlee nw, leovegmeej, Jee& 2011-12
kes oewjeve, èefMe#eCe SJeb efJekeeme' keee&ece Hej Hegjpeesj Oeeve osvee peejer jKee ieee nw. Fme Heefjes#e ceW yeQke kees ueefve&bie Dee@@iee&veeFpesMeve ceW HeeblejCe kes melele eeemeeW
kees ye{eles ngS mebHetCe& eefMe#eCe ieefleefJeefOeeeb, efpeveceW eefMe#eCe cee@[etue Oeeefjlee Je Mewueer meefcceefuele nw, ceW HeefjJele&ve ueeS ieS nQ.
Jee& 2011-12 kes oewjeve, nceejs keee&HeeuekeeW/Jeefj mlej kes DeefOekeeefjeeW kes %eeve Heueke kees efJemleeefjle kejves Je yeQke keer yeewefke Hetbpeer ces Jeef kejves kes efueS, [e@.
eerlece efmebn SJeb eerceleer DeeMee Yeb[ejkej, Deblej&eêre Keeefle eeHle eefleefle eyevOeve JeeJemeeefekeeW eje HeejmHeefjke efJeceMe& me$e SJeb ceeFb[ cesefHebie me$e Deeeesefpele
efkeS ieS, efpeveceW mecemeeceefeke JeeJemeeefeke #es$eesb kes mece DevegYeJeeW kee Deeoeve-eoeve Je efJeeej efJeceMe& efkeee ieee. Fmekes Deefleefjkele, yeenjer efJeMese%eesb/SpeWefmeeeW
eje cetegDeue Heb[ kes efJelejCe, eyevOeve efJekeeme keee&ece, ieenke mesJee Hej keefve DeefOekeeefjeeW kes efueS Ge iegCeJeee kes efJeMese eefMe#eCe keee&ece Deeeesefpele efkeS.
Fmekes DeueeJee, Deejmeser, efJeeere meceeJesMeve, efmeb[erkes Demeyee, veS Heoesvvele cegKe eyevOekeeW kes HeefMe#eCe Fleeefo keee&ece Deeeesefpele efkeS ieS. Jee& 2011-12
yeQkeeW keer efJeefYevve keee&eCeeueer mes Heefjefele kejeves kes oewjeve Yeleea ngS efueefHeke Jeie& kes meHe kees efJemlele eefMe#eCe efoS ieS. Jee& 2011-12 kes oewjeve, 3 eefMe#eCe
kee@uespeeW Deewj 9 Deebeefueke eefMe#eCe kesvesb eje 14766 mes DeefOeke eefleYeeefieeeW SJeb 92206 ceeveJe efoJemeeW kees meefcceefuele kejles ngS ueieYeie 884 keueeme ce
eefMe#eCe keee&ece Deeeesefpele efkeS ieS. Jee& 2011-12 kes oewjeve, 54 DeefOekeeefjeeW kees efJeosMeer eefMe#eCe/DevegYeJeeW/oewjs kes efueS Yespee ieee. Fmekes Deefleefjkele, yeenjer
eefMe#eCe SpeWefmeeeW eLee SveDeeF&yeerSce, meerSyeer, ye[&, Hes[eF&, DeeF&[eryeerDeejer, DeeF&DeeF&yeerSce Fleeefo eje Deeeesefpele eefMe#eCe keee&eceeW ceW efJeefYevve Jesleveceeve
kes DeefOekeeefjeeW kees Yespee ieee. Jee& 2011-12 kes oewjeve, 9 Hejer#ee HetJe& keee&ece Deeeesefpele efkeS, efpeveceW 104 Devegmetefele peeefle SJeb 48 Devegmetefele peve-peeefle
DeefOekeeefjeeW ves eefleYeeefielee keer.
32

4.
Yeleea SJeb Heoesvveefle:
cegKe Oeeje SJeb efJeefMe esCeer HeoeW Hej efveeefcele Yeleea kes Deefleefjkele mebmLee ceW DeeJeMeke JeeJemeeefekelee ueeves kes efueS, efJeefYevve efJeeeeW ceW SceyeerS OeejkeeW kees Yeleea kejves
keer eefeee efJee Jee& 2011-12 kes oewjeve Yeer peejer jner. leovegmeej, Jesleveceeve-I ceW 6 vees SceyeerS, Jesleveceeve-II ceW 98 SJeb Jesleveceeve-III ceW 7 vees SceyeerS DeYeLeea
efJeefYevve JeeJemeeefeke/eyevOeve mebmLeeveeW; pewmes SveDeeF&DeeF&Sce, DeeF&DeeF&SHeer, Jesefuebiekej mebmLeeve, JeerDeeF&er Deeefo mes kewcHeme eeve kes ceeOece mes Yeleea efkeS ieS.
es DevegYeJe SJeb mecemeeceefeke %eeve/keewMeue kes yesnlej mebeespeve kes efueS kewcHeme eeve kes ceeOece mes SceyeerS keer Yeleea YeefJee ceW Yeer peejer jnsieer.
Jee& 2011-12 ceW, 4219 HeoeW keer Yeleea kes efueS eeve eefeee keer ieF&, efpemeceW Jesleveceeve-I, II SJeb III kes Debleie&le SceyeerS, Fbpeerefveeme&, ueeFyesefjeve, megj#ee DeefOekeejer
(meYeer Jesleveceeve-II) cegKe [eruej (Jesleveceeve-V) meneeke ceneeyebOeke (DeeF&er), efueefHeke meHe, [êFJej Deewj meMee j#eke (DeOeervemLe meHe mebJeie&) keer Yeleea
Meeefceue nw.
kee@Heexjs ue#e kes DevegHe, meHe kees DeefOeke mes DeefOeke eeslmeeefnle kejves nsleg en efveee efkeee ieee efke meYeer mebJeie&/esCeer ceW Heoesvveefle eefeee eLeemebYeJe yeejcyeej
Deeeesefpele keer peeS. leovegmeej, Jee& 2011-12 kes oewjeve, Deblej-Jesleveceeve SJeb Deblej-mebJeie& Heoesvveefle eefeeeSb mebeeefuele keer ieF& leLee 3028 mes DeefOeke kece&eejer/
DeefOekeejer Ge mebJeie&/esCeer ceW Heoesvvele efkeS ieS, efpeveceW mes 743 DeOeervemLe kece&eejer efueefHeke mebJeie& ceW Heoesvvele efkeS ieS. meYeer DebMekeeueerve meHeeF& kece&eeefjeeW
(ueieYeie 2500) kees HetCe&keeefueke meHeeF&-kece&eejer-men-DeOeervemLe kece&eejer kes He ceW Heoesvvele efkeee ieee.
5.
Deej#eCe veerefle kee efeeevJeeve:
yeQke eje Deej#eCe veerefle kes mecyebOe ceW Yeejle mejkeej/DeeF&yeerS mes eeHle efoMeeefveoxMeeW SJeb DevegosMeeW kee keeee&vJeeve efkeee peelee nw leLee Deej#eCe veerefle ceW Devegcele t
SJeb efjeeeleW Smemeer/Smeer/Deesyeermeer/Heer[yet[er/YetleHetJe& meQefvekeeW kees eoeve keer ieF& nQ. nceejs yeQke ceW Devegmetefele peeefle/Devegmetefele pevepeeefle kee eefleefveefOelJe peebeves
kes efueS eer ieesefJevo ev vemkej keer DeOe#elee ceW mebmeoere meefceefle ves efoveebke 15.11.2011 mes efoveebke 17.11.2011 leke oerJe kee oewje efkeee. Fmekes Deefleefjkele,
nceejs yeQke ceW Deej#eCe veerefle kes efkeeevJeeve nsleg je<êre Devegmetefele peeefle Deeeesie kes ceeveveere meome eer jepet Hejceej ves efJeefYevve mLeeveeW Hej 5 yewkeW Deeeesefpele keerb.
6.
etefveeveeW/DemeesefmeSMeveeW kes eefleefveefOeeeW kes meeLe JeeJemeeefeke yewkeW :
meceer#eeOeerve Jee& kes oewjeve, JeeJemeeefeke efJekeeme keer jCeveerefle Hej eee& kejves kes GsMe mes kee@Heexjs mlej Hej ecegKe etefveeveeW/SmeesefmeSMeveeW kes meeLe efoveebke 12
efmelecyej, 2011 SJeb efoveebke 23 HejJejer, 2012 kees yewkeW Deeeesefpele keer ieF&b. HeyebOeveleb$e DeHes#ee Jekele keer efke meYeer kece&eeefjeeW kee en eeeme nesvee eeefnS efke
yeQke keer JeeJemeeefeke eieefle ceW mecegefele megOeej nes Deewj meYeer etefveeveeW kees eeefnS efke Jes DeHeves meomeeW kees mebmLee kes efueS DeHevee Glke eesieoeve osves nsleg esefjle kejW.
7.
kece&eejer keueeCe eespevee :
meHe SJeb Gvekes HeefjJeejeW kee keueeCe eyebOeve kee eefleye eeeme jne nw leLee es eeeme ncesMee yeQke ceeveJe mebmeeOeve meteer ceW Meere& Hej jnWies. leovegmeej, Jee& kes
oewjeve, meHe keueeCe keer efJeefYevve eespeveeDeesb kes efueS ` 15 kejes][ kee eeJeOeeve efkeee ieee nw leLee Fve eespeveeDeesb ceW ecee$ee leLee keJejspe oesveeW kes efiele Heee&Hle
megOeej efkeS ieS nQ.
8.
Deeweesefieke mecyebOe :
Jee& kes oewjeve, Deeweesefieke mecyebOe Deleble meewneo&HetCe& jns.

Devegebieer SJeb mebegkele Gece
mesv yeQke nesce HeeFveWme efueefces[
ceee& 2012 kees kebHeveer kee Meg ueeYe ` 5.72 kejes][ jne. pees ceee& 2011 ceW ` 9.36 kejes][ Lee. ueeYe ceW keceer kee cegKe keejCe GOeej efveefOe keer ueeiele ceW Jeef nesvee
DeLee&le, mesvûe yeQke DeeHe Fbef[ee eje oer ieF& GOeej efveefOe keer DeeOeej oj ceW Jeef Deewj mLeeHevee SJeb Deve KeeeX ceW meceie Jeef nesvee nw. ceee& 2011 ceW $eCe jeefMeeeb
ye{kej ` 290.30 kejes][ nes ieF& nw, pees ceee& 2011 ceW ` 282.13 kejes][ LeeR.
kebHeveer ves Deejef#ele efveefOeeeW ceW ueeYe kees pees][les ngS DeHeveer Meg mJe-efveefOe ceW ueieeleej megOeej efkeee nw. leLee vesJeLe& ceee& 2011 kes ` 55.21 kejes][ mes ye{kej ceee&
2012 ceW ` 57.44 kejes][ nes ieF& nw. pevelee SJeb mebmLeeveeW mes HeeHle peceejeefMeeeb ceee& 2011 kes ` 48.03 kejes][ mes ye{kej ceee& 2012 ceW ` 48.34 kejes][ nes ieF& nw.
mesv yeQke HeeFveWefMeeue meefJe&mespe
mesv yeQke HeeFveWefMeeue meefJe&mespe efueefceef[ ecegKeleee Devegebieer kee@Heexjs efJeeere mesJeeSb GHeueyOe kejelee nw. Jee& 2011-12 kes oewjeve, meerSHeSmeSue ves DeHeves
JeJemeee keee&#es$e ceW GuuesKeveere yeoueeJe kej Fmes Ske HetCe&-mesJee efveJesMe yeQke yevee efoee nw. meerSHeSmeSue mesJeeDeesb ceW efvecveefueefKele Meeefceue nQ33
ee@peske cetueebkeve SJeb $eCe mecetnve

kesefHeue ceekex uesveosve (FefkeJeer SJeb GOeej SJeb oesveeW)
Sce SC[ S, $eCe Hegveie&"ve, ee@peske HejeceMe&, eefleYeteflekejCe, peesefKece eyevOeve, JeJemeee cetueebkeve, eeFJes FefkeJeer Deewj erF&Jeer efjHees& meefnle kee@Heexjs
S[JeeFpejer mesJeeSb.
veemeOeeefjle mesJeeDeesb meefnle ef[yeWej/eefleYetefle veemeer, efveHeeoke veemeer, Oecee&Le& veeme kee eyebOeve
kebHeveer ves efHeues Jee& kes ` 7.24 kejes][ Meg ueeYe kes cegkeeyeues, ceee& 2012 ceW ` 9.30 kejes][ kee Meg ueeYe Deefpe&le efkeee.
Fb[es-]peeefcyeee yeQke efue.
]peeefcyeee mejkeej SJeb leerve Yeejleere yeQkeeW eLee mesvûe yeQke DeeHe Fbef[ee, yeQke Dee@@He ye[ewoe Deewj yeQke Dee@@He Fbef[ee eje mebegkele He mes ]peeefcyeee ceW yeQke kee mebegkele
Gece eJeefle&le efkeee nw. FmeceW 3 Yeejleere yeQkeeW keer FefkeJeer 20%leLee ]peeefcyeee epeeleebef$eke mejkeej keer FefkeJeer 40%nw. en yeQke meYeer HewjeceerjeW ceW GuuesKeveere
keee& kej jne nw. ceee& 2012 ceW yeQke kee kegue JeJemeee ` 1552.70 kejes][ nes ieee nw Deewj yeQke ves ` 36.14 kejes][ kee Meg ueeYe Deefpe&le efkeee nw.
#es$eere ieeceerCe yeQke (DeejDeejyeer)
ceee& 2012 ceW 180 MeeKeeDeesb kes vesJeke& kes meeLe osMe kes 57 efpeueeW kees keJej kejles ngS, yeQke kes 7 eeeesefpele #es$eere ieeceerCe yeQke nQ. efoveebke 31 ceee&, 2012 kees
meYeer 7 #es$eere ieeceerCe yeQkeeW kee ecegKe HewjeceerjeW kee meecetefnke keee&-efveHeeove Fme ekeej jne :S. MeeKee efJemleej: Jee& 2011-12 kes oewjeve,#es$eere ieeceerCe yeQkeeW keer 46 veF& MeeKeeSb Keesueer ieF&b, efpememes ceee& 2012 kees kegue MeeKeeSb ye{kej 1806 nes ieF&b, pees
efoveebke 31.03.2011 kees 1760 LeeR. meYeer #es$eere ieeceerCe yeQke meeryeerSme HuesHeece& Hej nQ Deewj ieenkeeW kees SveF&SHeer mesJeeSb Yeer GHeueyOe keje jner nQ.
yeer. peceejeefMeeeb:#es$eere ieeceerCe yeQkeeW keer peceejeefMeeeb ceee&
kejes][ nes ieF& nQ.
2011
kes
`15844
kejes][ mes ye]{kej ceee&
2012
ceW
12.30%
keer Jeef oMee&les ngS
`17793
meer. Deefiece : #es$eere ieeceerCe yeQkeeW kee Deefiece efoveebke 31 ceee&, 2011 kes ` 7709 kejes][ mes ye]{kej efoveebke 31 ceee&, 2012 ceW 15.03% keer Jee&-oj-Jee& keer
Jeef oMee&les ngS ` 8867 kejes][ nes ieS nQ.
[er. ueeYeeolee : #es$eere ieeceerCe yeQkeeW ves Jee& 2011-12 ceW efHeues Jee& kes ueeYe ` 146.58 kejes][ kes cegkeeyeues Jee& 2011-12 kes oewjeve 20.85% keer Jee&-oj-Jee&
Jeef oMee&les ngS ` 177.15 kejes][ kee ueeYe Deefpe&le efkeee nw.
Hegjmkeej SJeb mecceeve
Fkee@veesefceke eFcme eje efkees iees meJex kes Devegmeej yewb[ FefkeJeere@He 100 ceesm ^ms[ yewb[me 2011 kes Debleie&le meeJe&peefveke #es$e kes yeQkeeW ceW 4Lee
meJe&es yeQke jne Deewj Jee& 2011 ceW Fbef[eepe ceesm ^ms[ meefJe&me yewb[me esCeer kes Debleie&le 16Jeeb mLeeve eeHle efkeee.
yeQke kees ceneceefnce je^Heefle eerceleer eefleYee osJeerefmebn Heeefue kes MegYenmles Yeejle mejkeej keer jepeYeeee veerefle kes Glke meHeuelece keeee&vJeeve kes efueS
`Fbefoje ieebOeer jepeYeeee DeJee[&' eeHle ngDee.
yeQke kees SceSmeSceF& kes efueS Hegjmkeej DeHeves efjsue GlHeeo mesv meneesie kes efuees DeefYeveJe GlHeeo/mesJee esCeer kes Debleie&le Fbmeret Dee@@He [eejskeme&
(DeeF&Dees[er) mes eefleefle Hegjmkeej ieesu[ve Heerkee@ke DeJee[& 2011 eeHle ngDee.
yeQke kees efyepevesme SC[ Fkeesvee@ceer cewipeerve eje yesm yeerSHeSmeDeeF& kebHeveer DeJee[& mes veJee]pee ieee.
yeQke kees osMe ceW DeHeveer Glke yewb[ Fcespe yeveeves kes efueS Fbe iegHe Dee@@He Fbmeret, HegCes eje SipewcHeuejer yewb[ ueer[j DeJee[& mes mecceeefvele efkeee ieee.
yeQke kees ieerveske HeeGv[sMeve, veF& efouueer eje `yesm SeDeej m^speerme' SJeb `FveesJesMeve Fve ScHeueeF& efjWMeve m^speerme' kes efueS 2 HegjmkeejeW mes veJeepee
ieee.
efveosMeke ceb[ue keer Deesj mes
mLeeve : cegbyeF&
34
kee@heexjs ieJeveXme
yeQke kes kee@heexjs ieJevexme kee GsMe
yeQke kes kee@heexjs ieJevexme kee hecegKe GsMe JeJemeee kes mebeueve ceW vewefleke mebJeJenej mes MesejOeejkeeW keer Deee ceW Je=ef kejvee leLee hekeerkejCe SJeb heejoe|Melee kes
Ge ceevekeeW kee DevegmejCe kejvee nw. yeQke ves meJeexece mebJeJenej kees Deheveeee nw SJeb ieJevexme kes ceevekeeW keer efveiejeveer yees[& keer efJeefYeVe meefceefleeeW eje keer peeleer
nw. kee@heexjs ue#eeW keer heeeqhle, keee&-efve<heeove ceW megOeej SJeb MesejOeejkeeW keer Deee ceW Je=ef nsleg yees[&, keee&heeuekeeW SJeb Deve heoeefOekeeefjeeW keer efJeefMe YetefcekeeeW nQ.
yeQke kes FeqkeJeer Meseme& yee@cyes me@ke SkemeeWpe efue. SJeb vewMeveue me@ke Skemeesvpe Dee@He Fbef[ee efue. ceW meteerye nw. efHej Yeer, yeQke Ske kebheveer veneR nw, efkevleg yeQkekeejer
kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 kes lenle efveieefcele efvekeee nw, pees Yeejleere efj]peJe& yeQke eje efveebef$ele nw. Dele yeQke me@ke SkemeeWpe
kes meeLe ngS meteerye kejej kes Keb[ 49 kes heeJeOeeveeW kes Gme meercee leke, peneb leke efke yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 SJeb
Yeejleere efj]peJe& yeQke eje Fme mebyebOe ceW peejer efoMeeefveoxMeeW kes heeJeOeeveeW kee GuuebIeve veneR neslee nw, Devegheeueve kejsiee.
efveosMeke ceb[ue
yeQke kee ieve yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 (mecee-mecee hej eLee-mebMeesefOele), kes Deveghe efkeee ieee nw. meeceeve
osKejsKe, efoMeeefveoxMe SJeb yeQke kes JeJemeee heyebOeve kes DeefOekeej efveosMeke ceb[ue kes heeme efveefnle nQ, efpevekeer DeOe#elee, DeOe#e SJeb heyebOe efveosMeke eje keer peeleer nw.
yeQke kes efveosMeke ceb[ue kee ieve yeQkekeejer efJeefveece, DeefOeefveece kes HeeJeOeeveeW 1949, yeQkekeejer kebheveer (GheeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970, eLee
mebMeesefOele SJeb jeêreke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve) eespevee, 1970, eLee mebMeesefOele kes eje DeefOeMeeefmele neslee nw.
meceer#eeOeerve Je<e& DeLee&le 2011-12 kes oewjeve, efveosMeke ceb[ue kee mebeespeve efvecveJele Lee:
eer Sme.eerOej (efoveebke 31.05.2011 leke)
eer ceesnve Jeer.ebkemeeues (efoveebke 29.06.2011 mes)
eerceleer Jeer.Deej.Deej (efoveebke 01.09.2010 mes)
eer Deej.kes. ogyes (efoveebke 01.09.2010 mes)
[e@. MeMeebke mekemesvee (efoveebke 14.11.2011 leke)
eer Deeueeske b[ve (efoveebke 15.11.2011 mes)
eer meueerce iebieeOejve (efoveebke 30.07.2010 mes)
eer ye=peueeue #eef$ee (efoveebke 20.11.2008 mes 19.11.2011 leke) Deewj (efoveebke 10.01.2012 mes)
hees. Sve.yeeueke=<Ceve (efoveebke 20.11.2008 mes 19.11.2011 leke) Deewj (efoveebke 10.01.2012 mes)
eer jescesMe meYejJeeue (efoveebke 06.10. 2009 mes)
cespej (mesJeeefveJe=e) Jeso hekeeMe (efoveebke 20.10.2009 mes)
eer yeer.Sme.jeceyeeyet (efoveebke 16.03.2010 mes)
eer iegceeve eEmen (efoveebke 08.08.2011 mes)
DeOe#e SJeb heyebOe efveosMeke

DeOe#e SJeb heyebOe efveosMeke
keee&heeueke efveosMeke
keee&heeueke efveosMeke
Yeejle mejkeej eje veeefcele efveosMeke
Yeejle mejkeej eje veeefcele efveosMeke
Yeejleere efj]peJe& yeQke eje veeefcele efveosMeke
MesejOeejke efveosMeke
MesejOeejke efveosMeke
DebMekeeueerve iewj-mejkeejer efveosMeke
kece&keej kece&eejer efveosMeke
DeOe#e SJeb heyebOe efveosMeke leLee keee&heeueke efveosMeke ieCe yeQke kes hetCe&keeueerve efveosMeke nQ.
veS efveosMekeeW kee mebef#ehle heefjee
1.
eer ceesnve Jeer. ebkemeeues, DeOe#e SJeb heyebOe efveosMeke (pevce efleefLe 31.07.1953)
eer ceesnve Jeer. ebkemeeues ves efoveebke 29 petve, 2011 kees mesvûe yeQke Dee@]He Fbef[ee kes DeOe#e SJeb heyebOe efveosMeke kes he ceW keee&Yeej ienCe efkeee.
Deehekees Fvmeret Dee@]He kee@m SC[ Jekeme& SkeeGCdme Dee@]He Fbef[ee (SDeeF&meer[yuetS), kecheveer mesesjer (Fbj) Dee@]He Fvmeret Dee@]He kecheveer
mesesjerpe Dee@]He Fbef[ee, meerSDeeF&DeeF&yeer, efJe%eeve ceW mveeleke leLee Debiespeer meeefnle ceW mveelekeesej pewmeer JeeJemeeefeke heoefJeeeb heehle nQ.
eer ebkemeeues kee pevce efoveebke 31 pegueeF&, 1953 kees, ceneje^ jepe kes veeiehegj ceW ngDee Lee. Deeheves efoveebke 26 Deiemle, 1974 kees Yeejle kes ceOe heosMe
jepe kes iJeeefueej ceW etefveeve yeQke Dee@]He Fbef[ee ceW meneeke heyebOeke kee keee&Yeej ienCe efkeee. Deehekees Heeru[ mlej Deewj heMeemeefveke keeee&uee mlej, oesveeW
kee ienve DevegYeJe heehle nw Deewj Deehe Gmeer yeQke ceW ceneheyebOeke kes heo leke hengbes Les.
Ske otje yeQkej kes he ceW 36 Je<eeX mes DeefOeke kes keee&keeue ceW, Deeheves [sheger/hecegKe esef[ cee@efveeEjie, FbjvewMeveue yeQeEkeie Deewj hueeeEveie, efjmee&
SC[ ef[JeueheceW, Fleeefo pewmes keF& cenlJehetCe& #es$eeW SJeb HeMeeefmeveke heoeW hej keee& efkeee nw.
35
ceneheyebOeke kes he ceW Deheves Debeflece keee&keeue ceW Deeheves F&-yeQeEkeie Glheeo leLee yeercee SJeb cetegDeue HeC[, Fleeefo pewmes le=leere he#e kes GlheeoeW kes mebJe&ve ceW
ienve heeeme efkees nQ. Deeheves yeQke kes `êbpeskeMeve yeQeEkeie ef[efJepeve' keer mLeehevee keer, efpemekes lekeveerke DeeOeeefjle huesHee@ce& kes yeue hej, yeQke Deheves ieenkeeW
kes efueS GlheeoeW SJeb mesJeeDeeW keer Jeeheke e=bKeuee GheueyOe keje mekee.
eer ebkemeeues, efoveebke 26 ceee&, 2009 kees hebpeeye vewMeveue yeQke (heerSveyeer) ceW keee&heeueke efveosMeke kes heo hej efveege ngS Les. hebpeeye vewMeveue yeQke ceW
keee&heeueke efveosMeke kes he ceW, Deeheves, eespevee SJeb efJekeeme, ceekexeEie, ceeveJe mebmeeOeve, heeLeefcekelee heehle #es$e SJeb efJeeere meceeJesMeve, DeeF&er, efvejer#eCe
SJeb uesKeehejer#ee, peesefKece heyebOeve ef[Jeerpeve, ^spejer ef[Jeerpeve, FbjvewMeveue yeQeEkeie ef[Jeerpeve, Jemetueer efJeYeeie, efJeeere meceeJesMeve, Fleeefo pewmes keee&cetueke
#es$eeW ceW meHeueleehetJe&ke keee& efkeee. petve 2009 ceW Yeejleere efj]peJe& yeQke ceW Ghe ieJeve&j kes heo hej heomLe nesves kes efueS [e@. kes.meer. eeJeleea keer efyeoeF& leLee
Jele&ceeve meerSce[er eer kes.Deej. keeceLe eje keee&Yeej ienCe kejves mes hetJe& kes 4 ceen keer mebef#ehle DeJeefOe kes efueS Deeheves hebpeeye vesMeveue yeQke kes hecegKe kes he
ceW Yeer keee& efkeee.
2.
eer Deeueeske b[ve (pevce efleefLe 22.09.1962)

eer Deeueeske b[ve Yeejleere heMeemeefveke mesJee (Yee.he.mes.) mes nQ leLee efce[-kewefjej JeeJemeeefeke nw. Mew#eefCeke heefMe#eCe keer eq mes Deehe Fueweqke^keue
Fbpeerefveej nQ. Je<e& 1984 ceW Deeheves Fbef[eve Fmeret Dee@He skeveesuee@peer, keevehegj mes meYeer FbpeerefveeeEjie JeieeX ceW meJeexe mLeeve heehle kejles ngS Fueweqke^keue
FbpeerefveeeEjie ceW mveeleke ef[ieer neefmeue keer. Deehekees Deheveer Fme GheueeqyOe kes efueS je^heefle kes kejkeceueeW mes mJeCe& heoke heoeve efkeee ieee Lee. leLeeefhe,
Deheves kewefjej kes mece= DevegYeJe Deewj meceepe mesJee keer leerJe Fe ves Je<e& 1986 ceW GvnW DeeF&SSme yeveves kes efueS hesefjle efkeee.
DeeF&SSme ceW Deye leke 25 Je<e& mes DeefOeke keer DeJeefOe kes oewjeve Deehe meye-ef[Jeerpeveue cewefpem^s, cegKe efJekeeme DeefOekeejer, mebege meefeJe SJeb efpeuee cewefpem^s,
pewmes cenlJehetCe& heoeW hej meHeueleehetJe&ke keee& kej egkes nQ. Fueeneyeeo kes efpeuee cewefpem^s kes he ceW hee&Jes#eCe kejles ngS, Deeheves iebiee veoer kes metKes hee ceW
ueieYeie Ske efceefueeve YeeeW kees njves keer JeJemLee kee Deeeespeve cee$e 4 ceen keer efjkee@[& DeJeefOe ceW kejeves kee DeodYegle keee& efkeee. Deehe 5 pevejseEie
msMeve Jeeueer 1 efyeefueeve [e@uej mes DeefOeke kes kegue jepemJe Jeeueer Lece&ue hee@Jej pevejsMeve kebheveer kes cegKe keee&heeueke kes heo hej keee& kej egkes nQ. Fve meyekes
meeLe Mew#eefCeke #es$e ceW Yeer GvneWves Deheves Deehekees Deeleve jKee nw. Deehe Je<e& 2005 mes 2007 leke Deheves keeeeX mes otj jns Deewj Meer<e& etSme efJeeefJeeeueeeW mes
(efhevmeve etefveJee|meer leLee kesefueHeese|veee etefveJee|meer, mewve ef[Siees) mes Deee|Leke leLee meeJe&peefveke veerefleeeW kes Gemlejere tume ceW %eeveepe&ve efkeee. Jele&ceeve
ceW, Deehe efJeefveJesMe efJeYeeie, efJee ceb$eeuee, Yeejle mejkeej ceW mebege meefeJe kes heo hej heomLe nQ.
3.
eer iegceeve eEmen, DebMekeeueerve iewj-mejkeejer efveosMeke (pevce efleefLe 24.03.1937)

eer iegceeve eEmen kees efoveebke 08.08.2011 kees mesvûe yeQke Dee@He Fbef[ee kes efveosMeke ceb[ue ceW DebMekeeueerve iewj-mejkeejer efveosMeke kes he ceW efveege efkeee
ieee nw. Deehe Ske mesJeeefveJe=e jsue DeefOekeejer nQ Deewj Jele&ceeve ceW Deehe vewMeveue Hew[jsMeve Dee@He Fbef[eve jsueJescesve kes hesefme[sv Fbef[eve vewMeveue ^s[ etefveeve
keebiesme, jepemLeeve jepe kes hesefme[sv, Gej heeqece jsueJes cepeotj mebIe kes hesefme[sv, vewMeveue keeweqvmeue pJeeFb kevmeusefJe keefceer, veF& efouueer kes meome
leLee Fbef[eve vewMeveue ^s[ etefveeve kee@biesme (jeêre mlej) kes meefeJe nQ.
4.
eer ye=peueeue #eef$ee, MesejOeejke efveosMeke (pevce efleefLe 23.09.1936)

eer ye=peueeue #eef$ee, MesejOeejke efveosMeke, merue hueev heyebOeve kes efJeMes<e%e nQ leLee Deehekees Yeejle Deewj efJeosMe ceW keee& leLee ceeveJe mebmeeOeve keeeeX ceW Jeeheke
heefMe#eCe kee DevegYeJe nw. Deehe yeerSeet mes cesuee|pekeue FbefpeveereeEjie ceW mveeleke nQ. Deeheves merue DeLee@efjer Dee@He Fbef[ee efueefces[ kes efJeefYeVe mebeb$eeW ceW Meer<e&
heMeemeve kes heoeW hej keee& kejves kes heeele yeeskeejes merue hueev ceW heyebOe efveosMeke kee heo ienCe efkeee. Deehekees 1993 ceW jepeerJe ieebOeer Skemeuevme DeJee[&,
efomecyej 1993 ceW SveDeejDeeF& Jeu[& keer Deesj mes ceoj Fbef[ee FbjvewMeveue DeJee[& Deewj efomecyej 1993 ceW iueesjer Dee@He Fbef[ee Debleje&êre hegjmkeej heehle
ngS nQ. Deehe efoveebke 20 veJecyej, 2008 kees mesvûe yeQke Dee@He Fbef[ee kes efveosMeke ceb[ue ceW MesejOeejke efveosMeke kes he ceW efoveebke 19 veJecyej, 2011 leke
kes efueS efveJee&efele ngS. lelheeele efoveebke 10.01.2012 mes leerve Je<e& keer DeJeefOe kes efueS Deehe hegve MesejOeejke efveosMeke kes he ceW efveJee&efele ngS.
5.
heesHesmej Sve.yeeueke=<Ceved, MesejOeejke efveosMeke (pevce efleefLe 01.06.1950)

MesejOeejke efveosMeke hees. Sve.yeeueke=<Ceved meJeexe Debleje&êre Keeefleheehle Jew%eeefveke nQ. Deehe ceeme efJeeefJeeeuee mes yeer.F&.(Fueskeê@efvekeme ceW) nQ Deewj Je<e&
ceW Deeheves Fbef[eve Fbmeret Dee@He meeFvme mes heer.Se.[er. keer nw. Fme mecee Deehe Fbef[eve Fbmeret Dee@He meeFvme kes meneesieer efveosMeke Deewj
ef[hee&cesv Dee@He Ssjesmhesme FbpeerefveeeEjie ceW heesHesmej nQ. Yeejle kee henuee meghej kechetj kesv yeveeves ceW Deehekeer cenJehetCe& Yetefcekee jner nw. Debleje&êre peve&ueeW
SJeb heefj<eoeW ceW Deehekes 200 mes DeefOeke hekeeMeve hekeeefMele ngS nQ. Je<e& 2002 ceW Yeejle kes ceneceefnce je^heefle mes heeeer hegjmkeej, Je<e& 2004 ceW ShueeF[
meeFbme kes efueS nesceer pes. YeeYee DeJee[& Je Je<e& 2007 ceW pes.meer.yeesme.vesMeveue HewueesefMehe, pewmes heefleeqle hegjmkeejeW mes Deehe mecceeefvele nes egkes nQ. Fme mecee Deehe
jeêre megj#ee meueenkeej yees[& kes meome nQ. metevee heeweesefiekeer Deeeespevee leLee metevee megj#ee mes mebyebefOele Deveske hecegKe jeêre heJele&veeW ceW Deeheves cenJehetCe&
eesieoeve efoee nw. mesvûe yeQke Dee@He Fbef[ee kes efveosMeke ceb[ue ceW MesejOeejke efveosMeke kes he ceW Deehe 20 veJecyej, 2008 kees 19 veJecyej, 2011 leke kes
efueS efveJee&efele ngS Les leLee efoveebke 10.01.2012 mes leerve Je<e& keer DeJeefOe kes efueS MesejOeejke efveosMeke kes he ceW hegve efveJee&efele ngS nQ.
1979
36

Deve efveosMekeeW kes efJeJejCe
1.
eerceleer Jeer. Deej.Deej, keee&heeueke efveosMeke (pevce efleefLe 01.06.1955), kees kee@ceme& (Sce.kee@ce.) ceW mveelekeesej ef[ieer heehle nw Deewj Deehe
meerSDeeF&DeeF&yeer nQ. efomecyej 1975 ceW Deehe ves etefveeve yeQke Dee@He Fbef[ee ceW keee& ienCe efkeee Deewj yengle ye[er SJeb DeleefOeke ye[er MeeKeeDeeW keer yeQeEkeie, cegbyeF&
Deewj hegCes kes heefleeqle DebeueeW kes $eCe efJeYeeie ceW eceMe 9 Je<e& SJeb 15 Je<e& kes Jeeheke mesJee DevegYeJe kes meeLe efheues 30 Je<eeX ceW keF& egveewleerhetCe& heoeW hej keee&
efkeee nw. heefjeeueveelceke yeQeEkeie leLee $eCe yeQefkebie kee efJemle=le DevegYeJe jKeves Jeeueer eerceleer efJepeeue#ceer Deej kees Je<e& 2000 ceW yeQke kes peesefKece heyebOeve
efJeYeeie keer mLeehevee kee cenJehetCe& keee& meeQhee ieee. Deeheves Je<e& 2006-07 kes oewjeve Ghe ceneheyebOeke (metevee heeweesefiekeer) kes he ceW heoYeej mebYeeuee leLee
peveJejer, 2008 ceW Deehekeer heoesVeefle ceneheyebOeke kes heo hej ngF& leLee metevee lekeveerke SJeb peesefKece heyebOeve, oesveeW ner cenJehetCe& hees&HeesefueeeW kee oeefelJe efoee
ieee. Deeheves 2500 MeeKeeSb keesj yeQeEkeie meceeOeeve kes Debleie&le mLeeefhele keer. efJeefYeVe ef[ueerJejer ewveueeW, Jeeheke kesverke=le SceDeeF&Sme heCeeueer kees megJeJeeqmLele
efkeee leLee mebhetCe& $eCe heyebOeve kees mJeeefuele kejves ceW meHeuelee heehle keer. nceejs yeQke ceW keee&heeueke efveosMeke kes heo hej eeefvele nesves mes hetJe& Deehe SceSmeSceF&
efJeYeeie keer hecegKe LeeR.
Deeheves efoveebke 01 efmelecyej, 2010 kees mesvûe yeQke Dee@He Fbef[ee ceW keee&heeueke efveosMeke kes he ceW keee&Yeej mebYeeuee leLee ^spejer, efJeeere mesJeeSb,
Debleje&<êre heYeeie, Sceyeer[er, DeeF&er, eespevee-efJekeeme, kesvere uesKee, yewuesvme Meer, peesefKece HeyebOeve, veJeesvces<eer efJeYeeie, vee@uespe cewvespecesv, uesKeehejer#ee,
Fleeefo efJeYeeieeW keer Meer<e& heYeejer nQ.
2.
eer Deej.kes.ogyes, keee&heeueke efveosMeke (pevce efleefLe 10.09.1954), Debiespeer meeefnle ceW ceemj ef[ieer nesves kes meeLe-meeLe Deehe SceyeerS iewpegS
Yeer nQ. Deehe efJeefOe mveeleke nesves kes meeLe-meeLe meerSDeeF&DeeF&yeer Yeer nQ. Deehe Ske wkevees-mesJeer yeQkej nQ, efpevnW hebpeeye vesMeveue yeQke ceW 30 Je<e& mes DeefOeke kes
yengDeeeeceer heefjeeueveelceke yeQeEkeie kee efJemle=le DevegYeJe nw. Deheves keee&keeue ceW Deehe 10 Je<eeX leke #es$eere/Deebeefueke/meke&ue hecegKe jns. efJeefYeVe MeeKee
heeeueveeW kes yegefveeeoer mlej hej 9 Je<e& heYeejer jnves kes DeueeJee yeQke kes heefMe#eCe ceneefJeeeuee kes heYeejer kes he ceW 4 Je<e& heefMe#eCe kee oeefelJe efveYeeee leLee
yeQke kes kee@heexjs keeee&uee kes metevee heeweesefiekeer heYeeie ceW Ghe heYeejer kes he ceW 1 Je<e& Deewj Debeflece 5 ceen hebpeeye vesMeueve yeQke kes kee@heexjs keeee&uee kes
ceekexeEie mesJeeSb heYeeie kes hecegKe kes he ceW meHeueleehetJe&ke keee&Yeej mebYeeuee.
Deeheves efoveebke 01 efmelecyej, 2010 kees mesvûe yeQke Dee@He Fbef[ee kes keee&heeueke efveosMeke kee keee&Yeej mebYeeuee leLee Deehe mebieveelceke Deeeespevee, ceeveJe
mebmeeOeve, heefjeeueve, Deveg<ebefieeeW, heeLeefcekelee #es$e, efJeeere meceeJesMeve, efjsue yeQeEkeie, Jemetueer, meeceeve heMeemeve, Fleeefo kes Meer<e& heYeejer nQ.
3.
eer meueerce iebieeOejve, Yeejleere efj]peJe& yeQke eje veeefcele efveosMeke (pevce efleefLe 13.10.1953), Deehe SceS, meerSDeeF&DeeF&yeer nQ leLee 30 Je<e& mes Yeer
DeefOeke mecee mes Yeejleere efj]peJe& yeQke ceW keee&jle nQ leLee Fme mecee Yeejleere efj]peJe& yeQke efleJeveblehegjce kes #es$eere efveosMeke nQ. Yeejleere efj]peJe& yeQke ceW Deheves
kewefjej kes oewjeve Deeheves efJeefYeVe heefjeeueve efJeYeeieeW, efJeMes<e leewj hej yeQke hee&Jes#eCe leLe efJeeere yeepeej ceW keee& efkeee nw. Deehe Yeejleere efj]peJe& yeQke kes yeQkeme&
heefMe#eCe ceneefJeeeuee ceW mebkeee meome kes he ceW heebe Je<e& keee&jle Les Deewj Deeheves peesefKece heyebOeve, Yegieleeve heCeeueer leLee ^spejer heyebOeve hej keF& mesefceveejeW
SJeb heefj<eoeW kee Deeeespeve efkeee nw. Deehe mesvûe yeQke Dee@He Deesceeve ceW heebe Je<eeX kes efueS efJeosMeer keeee&uee ceW heefleefveege Les. hemleeefJele, ceewefke etefveeve kes
Ske efnmmes kes he ceW peermeermeer osMeeW ceW hee&Jes#eCe JeJenejeW ceW DeefYecegKelee keer DeeJeMekelee kee cetueebkeve kejves kes efueS Deehe DeeF&SceSHe erce kes meneesieer
jns nQ. Deehe Yeejleere efj]peJe& yeQke/Yeejle mejkeej kes keF& Deebleefjke keee& mecetneW kee efnmmee jns nQ. mesvj Hee@j mesvûe yeQeEkeie m[erpe, yeQke Dee@He FbiueQ[
meefnle keF& mesefceveejeW ceW Deeheves DeeuesKe hemlegle efkeS nQ.
Deehekees efoveebke 30.07.2010 mes mesvûe yeQke Dee@]He Fbef[ee kes efveosMeke ceb[ue ceW Yeejleere efjpeJe& yeQke kes veeefcele efveosMeke kes he ceW efveege efkeee ieee nw.
4.
eer jescesMe meYejJeeue, DebMekeeueerve iewj-mejkeejer efveosMeke (pevce efleefLe 19.08.1963), Deehe efmeeqkekece ceefCeheeue etefveJee|meer mes SceyeerS nQ Deewj
hetmee hee@efueskeefveke, efouueer mes FbpeerefveeeEjie ceW ef[hueesceeOeejke nQ. mesvûe yeQke Dee@He Fbef[ee kes yees[& ceW DebMekeeueerve iewj-mejkeejer efveosMeke kes he ceW Deehe
efoveebke 03 ceee&, 2006 mes, efoveebke 02.03.2009 leke keer DeJeefOe kes efueS efveege efkees iees Les. Deehekees efoveebke 06.10.2009 mes DebMekeeueerve
iewj mejkeejer efveosMeke kes he ceW hegvee|veege efkeee ieee. Deehe efouueer hee&ve heefjJenve efJekeeme efveiece efueefces[ kes hetJe& DeOe#e leLee efouueer GheYeesee
mebj#eCe heefj<eo kes hetJe& GheeOe#e nQ. Deehe Ske meceepe mesJeke Yeer nQ.
5.
cespej (mesJeeefveJe=e) Jeso hekeeMe, DebMekeeueerve iewj-mejkeejer efveosMeke (pevce efleefLe 02.06.1938) Deehe Gmceeefveee efJeeefJeeeuee mes keuee ceW
mveelekeesej leLee efyepevesme SC[ S[Jeevme FbsefuepeWme keesme& kes ef[hueescee Oeejke nw. Deehekees nceejs yees[& ceW DebMekeeueerve iewj-mejkeejer efveosMeke kes he ceW
efoveebke 06.10.2005 kees, efoveebke 05.10.2008 leke keer DeJeefOe kes efueS efveege efkeee ieee Lee. Deehekees efoveebke 20.10.2009 mes DebMekeeueerve iewjmejkeejer efveosMeke kes he ceW hegvee|veege efkeee ieee. Deehe Yeejleere mesvee ceW cespej jWke kes DeefOekeejer jn egkes nQ.
6.
eer yeer.Sme.jeceyeeyet, kece&keej kece&eejer efveosMeke (pevce efleefLe 03.08.1956) Deehe JeeefCepe leLee efJeefOe kes mveeleke nQ leLee Fbef[eve Fbmeret
Dee@He yeQkeme& kes petefveej SmeesefMeS nQ. Deehekees kece&keej kece&eejer efveosMeke kes he ceW efoveebke 16 ceee&, 2010 kees efveege efkeee ieee. Deehe nceejer yeQke ceW
nwojeyeeo ceW kece&keej kece&eejer kes he ceW keee&jle nQ. Deehe (1) mesvûe yeQke Dee@He Fbef[ee Scheuee@F]pe SmeesefmeSMeve, DeevOe heosMe kes cenemeefeJe (2) DeevOe
heosMe yeQke Scheuee@F]pe Hew[jsMeve kes cenemeefeJe (3) Dee@ue Fbef[ee mesvûe yeQke Dee@He Fbef[ee Scheuee@F]pe Hew[jsMeve kes cenemeefeJe SJeb (4) Dee@ue Fbef[ee yeQke
Scheuee@F]pe SmeesefmeSMeve kes mebege meefeJe nQ.
37
efveosMekeeW kes Deve efJeJejCe

efveosMekeeW kes veece efveosMeke kes he efJeMes<e%elee
ceW efveegefe keer Jeeues #es$e
leejerKe
eer Sme.eerOej
02.03.2009 mes
31.05.2011
yeQeEkeie
leke
mesvûe yeQke Dee]He Fbef[ee keer yees[& meefceefle kes meome
meome
Scemeeryeer, DeejScemeer,
SueJeerSHemeer, meerSmemeer, DeeF&erheer,
SmeDeeF&peermeer,
DeeF&SHeDeejSme DeeF&erheerS,
JeerDeeF&peer
mesvyeQke HeeFveWefMeeue mee|Jemespe efue.

Fv[es-]peeeqcyeee yeQke efue.
Sieerkeuej yeQke HeeFveQme
kee@heexjsMeve efue.
iv) Fbef[eve Fbeqmet Dee@]He Hee@jsve ^s[
v) ueeFHe FvMeesjWme kee@heexjsMeve Dee@]He
Fbef[ee
vi) mesv yeQke nesce HeeFveQme efue.
vii) Fbef[eve Fvmeret Dee@]He yeQeEkeie SC[
HeeFveQme
Scemeeryeer, DeejScemeer, SueJeerSHemeer, Scemeeryeer, DeejScemeer, i) mesvyeQke HeeFveWefMeeue mee|Jemespe efue.
meerSmemeer, DeeF&erheer,
SueJeerSHemeer,
ii) Fv[es-]peeeqcyeee yeQke efue.
SmeDeeF&peermeer,
meerSmemeer, DeeF&erheer, iii) ueeFHe FvMeesjWme kee@heexjsMeve Dee@]He
DeeF&SHeDeejSme, DeeF&erheerS,
DeeF&SHeDeejSme
Fbef[ee
JeerDeeF&peer, meerSmeer, heermeer, heerSmeer DeeF&erheerS,
iv) mesv yeQke nesce HeeFveQme efue.
JeerDeeF&peer, meerSmeer,
heermeer, heerSmeer
Scemeeryeer, Smeeryeer, DeejScemeer,
DeejDeeF&
mesvyeQke HeeFveWefMeeue mee|Jemespe efue.
SmeDeeF&peermeer, DeeF&SHeDeejSme
DeeF&erheerS, DeejDeeF&, meerSmeer,
heermeer, heerSmeer
efvejbke
Scemeeryeer, Smeeryeer, DeejScemeer,
i) mesv yeQke HeeFveWefMeeue mee|Jemespe efue.
ii) mesv yeQke nesce HeeFvesvme efue.
SmeDeeF&peermeer, DeeF&SHeDeejSme,
DeeF&erheerS, meerSmeer,heermeer,heerSmeer
Smeeryeer, DeejScemeer, SueJeerSHemeer, Deejmeer
i) Fb[efmêue FvJesmceW yeQke DeeHe
Deejmeer mele&kelee
Fbef[ee efue.
ii) ef[hee@efpe FbMeesjWme SC[ ewef[
ieejber keeheexjsMeve efue.
Smeeryeer, DeejScemeer, SueJeerSHemeer., Svemeer
efvejbke
JeerDeeF&peer, Svemeer
Scemeeryeer, Smeeryeer, Deejmeer, efJepe efvejbke
efvejbke
eer ceesnve Jeer.

ebkemeeues
29.06.2011
yeQeEkeie
eerceleer Jeer.Deej.
Deej
01.09.2010
yeQeEkeie
01.09.2010
yeQeEkeie
[e@. MeMeebke
mekemesvee
10.06.2008 mes
14.11.2011
DeLe&Meem$eer
eer Deeueeske b[ve
15.11.2011 mes
heMeemeve
eer meueerce
iebieeOejve
30.07.2010
yeQefkebie
20.11.2008 mes
19.11.2011
ceeveJe mebmeeOeve Smeer, DeejScemeer,

efJekeeme
meerSmemeer, SmeDeeF&peermeer
leke
leke SJeb
DeOe#e
Scemeeryeer,
DeejScemeer,
SueJeerSHemeer,
meerSmemeer, DeeF&erheer,
DeeF&SHeDeejSme,
DeeF&erheerS,
JeerDeeF&peer
20.11.2008 mes
19.11.2011
leke SJeb
metevee
heeweesefiekeer
DeejScemeer,DeeF&erheer,
i)
ii)
iii)
SmeDeeF&peermeer
i)
efvejbke
ii)
iii)
i)
10.01.2012 mes
hees.Sve yeeueke=<Ceve
Deve kebheefveeeW ceW efveosMeke
ii)
10.01.2012 mes
38
F&kees-wke cewvespeceW mee|Jemespe hee.

efueefces[
m^wsefpeke SeDeej mee|Jemespe hee.efue.
mesvemeve FbjvesMeveue (Hece&)
meer-[e@ Deukeesue efjmee& mesvj hee.
efue.
[ee efmekeetefjer keeGeqvmeue Dee@He
Fbef[ee.

efveosMekeeW kes veece efveosMeke kes he efJeMes<e%elee
ceW efveegefe keer Jeeues #es$e
leejerKe
eer jescesMe
meYejJeeue
cespej(mesJeeefveJe=e)
Jeso hekeeMe
eer yeer Sme jeceyeeyet
eer iegceeve eEmen
06.10.2009
20.10.2009
16.03.2010
08.08.2011
meeceeefpeke
keee&kelee&
meeceeefpeke
keee&kelee&
yeQeEkeie
mesJeeefveJe=e
jsueJes DeefOekeejer
mesvûe yeQke Dee]He Fbef[ee keer yees[& meefceefle kes meome
meome
SmeDeeF&peermeer,DeeF&SHeDeejSme,
DeeF&erheerS, Smeeryeer,Svemeer
DeejScemeer, DeeF&erheerS, Svemeer
Deve kebheefveeeW ceW efveosMeke
DeOe#e
Smeeryeer
efvejbke
efvejbke
efvejbke
SueJeerSHemeer, DeeF&erheerS
efvejbke
Scemeer, DeejScemeer, SueJeerSHemeer, efvejbke
meerSmemeer, DeeF&erheer, DeeF&erheerS,
Svemeer
efvejbke
efvejbke
Scemeer
- yees[& keer heyebOeve meefceefle
Smeeryeer
- yees[& keer uesKee hejer#ee meefceefle
DeejScemeer
- peesefKece heyebOeve meefceefle
SueJeerSHemeer
- ye[er jeefMe keer OeesKeeOe[er mebyebOeer meefceefle
meerSmemeer
- ieenke mesJee meefceefle
DeeF&erheer
- metevee heeweesefiekeer heefjeespevee meefceefle
SmeDeeF&peermeer - MesejOeejkeeW/efveJesMekeeW keer efMekeeele meefceefle
Deejmeer
- heeefjeefceke meefceefle
DeeF&SHeDeejSme - Debleje&êre efJeeere efjheese\ie ceeveke meefceefle
DeeF&erheerS
- Deebleefjke heefMe#eCe veerefle hejeceMe& oe$eer meefceefle
DeejDeeF&
- jeF& FMet meefceefle
JeerDeeF&peer
- meleke&lee meefceefle
meerSmeer
- $eCe Devegceesove meefceefle
SeDeej
- ceeveJe mebmeeOeve meefceefle
heermeer
- heefjmej meefceefle
heerSmeer
- DeefOeceeve Deeyebve meefceefle
Svemeer
- veeceebkeve meefceefle
efveosMekeeW kee heeefjeefceke :
iewj DeefOekeeefjke mJeleb$e efveosMekeeW kees meeceeve ee$ee SJeb efJejece Yeee Jee kes hegveYeg&ieleeve kes DeueeJee, yees[& keer heleske yewke ceW GheeqmLele jnves kes efuees efoveebke
17.10.2011 leke ` 5000/- SJeb 18.10.2011 mes ` 10000/- yewke Meguke efoee peelee Lee SJeb yees[& keer efJeefYeVe meefceefleeeW keer yewke ceW GheeqmLele jnves kes efuees
efoveebke 17.10.2011 leke ` 2500/- SJeb 18.10.2011 mes ` 5000/- efoee peelee Lee.DeOe#e SJeb heyebOe efveosMeke,keee&heeueke efveosMeke leLee efveosMeke, pees
Yeejle mejkeej/Yeejleere efjpeJe& yeQke kes DeefOekeejer nQ,kees yewke Meguke kee Yegieleeve veneR efkeee peelee nw
efJeeere Je<e& 2011-12 kes oewjeve, DeOe#e SJeb HeyebOe efveosMeke Deewj keee&heeueke efveosMekeeW kees kegue Jesleve, Yees leLee heefjueeqyOeeeW kes he ceW efvecveefueefKele jeefMe kee
Yegieleeve efkeee ieee.
e.
` ueeKe ceW
veece
9.00
eer Sme.eerOej
2.
12.10
eer Sce.Jeer.ebkemeeues
2.
13.08
eerceleer Jeer.Deej.Deej
3.
13.05
eer Deej.kes.ogyes
Ge Jesleve, YeeeW leLee heefjueeqyOeeeW kes Deefleefje, yees[& keer heeefjeefceke meefceefle ves efJeeere Je<e& 2010-11 kes efuees eer Sme.eerOej, YetlehetJe& DeOe#e SJeb heyebOe efveosMeke
kees ` 700,000/-, eer jeceveeLe heoerhe, YetlehetJe& keee&heeueke efveosMeke kees ` 2,30,000/-, eer DeCe keewue, YetlehetJe& keee&heeueke efveosMeke kees ` 2,30,000/-,
1.
39
eerceleer Jeer.Deej.Deej,keee&heeueke efveosMeke kees ` 3,20,000/-, eer Deej.kes.ogyes, keee&heeueke efveosMke kees ` 3,20,000/- keee& efve<heeove mes mecye heeslmeenve
jeefMe kes Yegieleeve kee Devegceesove efkeee.
meceer#ee Je<e& kes oewjeve, yeQke ves hee$e efveosMekeeW kees yees[& keer yewkeeW ceW GheeqmLele jnves kes efuees ` 3,95,000/- (` leerve ueeKe HebeeveJes npeej cee$e) leLee yees[& keer
Ghe-meefceefle keer yewkeeW ceW GheeqmLele jnves kes efuees ` 3,65,000/- (` leerve ueeKe heQme npeej cee$e) kes yewke Meguke kee Yegieleeve efkeee.
yees[& keer yewkeeW kee Deeeespeve
Je<e& kes oewjeve,yees[& keer 13 yewkeW efvecveefueefKele leejerKeeW kees Deeeesefpele keer ieF&
20.04.2011
29.06.2011
29.09.2011
21.12.2011
28.03.2012
06.05.2011
29.07.2011
01.11.2011
31.01.2012
30.05.2011
29.08.2011
26.11.2011
29.02.2012
yees[& keer yewkeeW ceW efveosMekeeW keer GheeqmLeefle kee efJeJejCe:

efveosMeke kee veece
ope& keer ieeer

GheeqmLeefle
Gvekes keee&keeue
kes oewjeve
Deeeesefpele yewkeW
DeJeefOe (mes - leke)
keee efoveebke 29 pegueeF& 2011 kees

Deeeesefpele efheueer SpeerSce ceW Yeeie efueee
eer Sme. eerOej

eer Sce.Jeer. ebkemeeues
eerceleer Jeer.Deej. Deej
eer Deej.kes. ogyes
[e@. MeMeebke mekemesvee
eer Deeueeske b[ve
03
03
01.04.2011 30.05.2011
10
10
29.06.2011 31.03.2012
12
13
01.04.2011 - 31.03.2012
12
13
01.04.2011 31.03.2012
01
08
01.04.2011 -14.11.2011
05
05
15.11.2011 31.03.2012
10
13
01.04.2011 31.03.2012
07
03
08
03
01.04.2011 mes 19.11.2011

10.01.2012 mes 31.03.2012
hees. Sve. yeeueeke=<Ceve
06
03
08
03
01.04.2011 mes 19.11.2011

10.01.2012 mes 31.03.2012
veneR

cespej (mesJeeefveJe=e) Jeso hekeeMe
eer yeer.Sme. jeceyeeyet
eer iegceeve eEmen
13
13
01.04.2011 mes 31.03.2012
13
13
01.04.2011 mes 31.03.2012
12
13
01.04.2011 mes 31.03.2012
08
08
08.08.2011 mes 31.03.2012
neb
neb
veneR
SpeerSce keer efleefLe kees efveosMeke veneR Les

neb
neb
neb
veneR
neb
neb
efveosMeke ceb[ue keer heyebOeve meefceefle:

efveosMeke ceb[ue keer heyebOeve meefceefle kee ieve jeêreke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve)eespevee, 1970 menheefle yeQkekeejer kebheveer(GheeceeW kee Depe&ve SJeb
DeblejCe)DeefOeefveece, 1970 kes Devegmeej efkeee ieee nw SJeb en yees[& ceW efveefnle efJeeere mJeerke=efleeeW, mecePeewleeW/yes Keeles hemleeJeeW Deewj Jeeo oeej/Deheerue Fleeefo mebyebOeer
MeefeeeW kee heeesie kejleer nw,efoveebke 31.03.2012 kees Fme meefceefle ceW DeOe#e SJeb heyebOe efveosMeke, 2 keee&heeueke efveosMeke, Yeejleere efjpeJe& yeQke kes veeefceleer efveosMeke
SJeb 2 iewj mejkeejer DebMekeeueerve efveosMekeieCe meefnle kegue 6 meome nQ.
Je<e& kes oewjeve, efveosMeke ceb[ue keer Fme heyebOeve meefceefle keer efvecveevegmeej 23 yewkeW Deeeesefpele keer ieF&:
21.04.2011
07.05.2011
20.05.2011
30.05.2011
18.06.2011
28.06.2011
18.07.2011
30.07.2011
18.08.2011
29.08.2011
16.09.2011
29.09.2011
13.10.2011
01.11.2011
18.11.2011
40
30.11.2011
17.12.2011
27.12.2011
16.01.2012
30.01.2012
28.02.2012
19.03.2012
27.03.2012

meomeeW keer GheeqmLeefle kee DeefYeuesKe efvecveevegmeej nw:
efveosMekeeW kes veece
eer Sme. eerOej
eer Deej.kes. ogyes
GheeqmLeefleDeefYeuesKe
keee&keeue kes oewjeve

Deeeesefpele yewkeW
heyebOeve meefceefle keer DeJeefOe(mes-leke)
04
04
01.04.2011 30.05.2011
17
17
29.06.2011 31.03.2012
23
23
01.04.2011 31.03.2012
22
23
01.04.2011 31.03.2012
14
23
01.04.2011 31.03.2012
03
04
01.04.2011 09.06.2011
06
05
06
05
01.04.2011 01.07.2011
02.01.2012 31.03.2012
12
12
10.06.2011 09.12.2011
cespej(mesJeeefveJe=e) Jeso hekeeMe
08
12
02.07.2011 01.01.2012
eer yeer.Sme. jeceyeeyet
06
07
10.12.2011 31.03.2012
eer iegceeve eEmen
$eCe Devegceesove meefceefle:
jeêreke=le yeQke (heyebOeve SJeb efJeefJeOe heeJeOeeve)eespevee,1970 ceW pees[s iees vees Keb[ 13S kes Devegmeej, efoveebke 31.01.2012 mes yees[& keer Ske $eCe Devegceesove meefceefle
kee ieve efkeee ieee, efpemeceW DeOe#e SJeb heyebOe efveosMeke,keee&heeueke efveosMeke, cegKe ceneheyebOeke SJeb ceneheyebOeke $eCe,efJee kes heYeejer ceneheyebOeke SJeb peesefKece
heyebOeve kes heYeejer ceneHeyebOeke Meeefceue nQ.
Je<e& kes oewjeve, $eCe Devegceesove meefceefle keer efvecveefueefKele leejerKeeW kees 4 yewkeW Deeeesefpele keer ieF&:
12.03.2012
19.03.2012
26.03.2012
30.03.2012
yees[& keer uesKee hejer#ee meefceefle

yees[& keer uesKee hejer#ee meefceefle(Smeeryeer) kee ieve Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeeW kes Devegmeej,efveosMeke ceb[ue eje efkeee ieee nw. Smeeryeer efoMeeefveoxMe osves kes
meeLe-meeLe yeQke ceW Deebleefjke uesKee hejer#ee Deewj efvejer#eCe kes mebieve, heefjeeueve heefle leLee iegCeJeee efveeb$eCe Deewj yeQke keer meebefJeefOeke/yeee uesKee hejer#ee leLee
Yeejleere efjpeJe& yeQke kes efvejer#eCeeW keer DevegJeleea keej&JeeF& meefnle yeQke kes meceie uesKee keee& kes heefjeeueveeW kee hee&Jes#eCe kejleer nw. uesKee hejer#ee meefceefle keer meboYe& MeleX nQ:
S. Deblej-MeeKee meceeeespeve KeeleeW,Deblej-yeQke SJeb vee@mês KeeleeW ceW uebyes mecee mes yekeeee hegjeveer heefJeeqeeW,yener meblegueve kee hegjevee yekeeee keee&,OeesKeeOe[er SJeb
neGmekeereEheie kes Deve hecegKe #es$eeW hej efJeMes<e Oeeve keseqvle kejles ngS yeQke keer Deebleefjke uesKee hejer#ee,Deebleefjke efvejer#eCe/uesKee hejer#ee keer meceer#ee:
yeer. Yeejleere efjpeJe& yeQke kes DevegosMeevegmeej yeQke ceW efveege Devegheeueve DeefOekeejer mes DeOe&Jeee|<eke efjhees& heehle kejvee leLee Gvekeer meceer#ee kejvee.
meer. yees[& kees hemlegle kejves kes hetJe& uesKee hejer#ekeeW kes DeJeueeskeveeW meefnle mJeleb$e uesKeehejer#ee kes keee&#es$e keer meceer#ee Deewj efleceener, DeOe& Jeee|<eke SJeb Jeee|<eke
efJeeere efjheeseX keer meceer#ee kejvee
[er. efleceener/De&Jeee|<eke/Jeee|<eke efJeeere KeeleeW Deewj efjheeseX kees Debeflece he osves kes hetJe& meebefJeefOeke uesKee hejer#ee kes mebyebOe ceW, ueeBie Hee@ce& Dee@ef[ efjhees& ceW GeS
iees mecemle cegeW SJeb yeee uesKee hejer#ekeeW mes eee& kejles ngS DevegJeleea keej&JeeF& kejvee
F&. uesKeeW, uesKeebkeve veerefleeeW SJeb hekeerkejCeeW keer efveeefcele meceer#ee;
SHe. heyebOeleb$e kes efveCe&e keer keej&JeeF& hej DeeOeeefjle hecegKe heefJeeqeeW keer meceer#ee SJeb uesKee hejer#ee mes GlheVe cenlJehetCe& meceeeespeveeW keer meceer#ee kejvee.
peer. cemeewoe uesKee hejer#ee efjhees& ceW oMee&F& ieF& keefceeeb;
Se. uesKee hejer#ee kes heeele efkemeer cenlJehetCe& Oeeve osves eesie #es$e kee helee ueieeves kes efuees uesKee hejer#ekeeW kes meeLe eee& kejvee.
DeeF&. Deebleefjke uesKee hejer#ee kes keee&#es$e DeeJeMekelee Deewj yeejbyeejlee efveeqele kejvee, Deebleefjke uesKee hejer#ekeeW kes efve<ke<eeX keer meceer#ee Deewj Deebleefjke efveeb$eCe
heCeeueer keer heee&hlelee megefveeqele kejvee
pes. peneb leke ueeiet nes, efJeeere efJeJejCeeW kes mebyebOe ceW ueeiet me@ke SkemeeWpe keer efJeefOeke DeeJeMekeleeDeeW kee Devegheeueve
kes. meebefJeefOeke, DevegyebefOele DeLeJee efJeefveeecekeeW keer mecee-mecee Hej Dehes#eeSb hetjer kejves kes keee& uesKee hejer#ee meefceefle osKesieer.
yees[& keer uesKee hejer#ee meefceefle ceW keee&heeueke efveosMekeieCe, Yeejle mejkeej kes veeefcele efveosMeke, Yeejleere efjpeJe& yeQke kes veeefcele efveosMeke SJeb oes iewj mejkeejer iewj
keee&heeueke efveosMeke, efpeveceW mes kece mes kece Ske meveoer uesKeekeej nesvee eeefnes Meeefceue neWies. meHe efveosMeke Smeeryeer ceW Meeefceue veneR efkees peeeWies
41
uesKee hejer#ee meefceefle kes Jele&ceeve meome efvecveevegmeej nQ:

1.
DeOe#e
2.
eerceleer Jeer. Deej, Deej
meome
3.
meome
4.
eer Deeueeske b[ve
meome
5.
meome
6.
meome
Je<e& kes oewjeve, uesKee hejer#ee meefceefle keer efvecveevegmeej 11 yewkeW Deeeesefpele ngF&:
06.05.2011
30.05.2011
29.06.2011
29.07.2011
18.08.2011
29.09.2011
01.11.2011
24.11.2011
31.01.2012
meomeeW keer GheeqmLeefle kee DeefYeuesKe efvecveevegmeej jne nw:

GheeqmLeefle DeefYeuesKe
keee&keeue kes oewjeve

Deeeesefpele yewkeW
14.02.2012
10.03.2012
uesKee hejer#ee meefceefle keer

DeJeefOe(mes leke)
11
11
01.04.2011 - 31.03.2012
eerceleer Jeer. Deej. Deej
11
11
01.04.2011 - 31.03.2012
01
06
01.04.2011 -14.11.2011
[e.MeMeebke mekemesvee
02
04
15.11.2011
31.03.2012
eer Deeueeske b[ve
09
11
01.04.2011
- 31.03.2012
03
03
19.01.2012 31.03.2012
06
07
01.04.2011 - 19.11.2011
hees.Sve yeeueeke=<Ceve
08
08
19.01.2012
31.03.2012
eer iegceeve eEmen
08
08
11.07.2011 31.03.2012
eer jescesMe meYejJeeue (efoveebke11.07.2011 mes)
yeQke kes iewj-uesKee hejeref#ele efleceener heefjCeece Deewj Je<e& kes uesKee hejeref#ele heefjCeeceeW keer meceer#ee yees[& keer uesKee hejer#ee meefceefle eje keer ieF& leLee efveosMeke ceb[ue kes
mece#e DevegceesoveeLe& hemlegle keer ieeer.
MesejOeejkeeW/efveJesMekeeW keer efMekeeele meefceefle
kee@heexjs ieJevexme hej Yeejleere heefleYetefle Deewj efJeefvecee yees[& (mesyeer) kes efoMee efveoxMeeW kes lenle meteerkejCe kejej kes Keb[ 49 kes Devegheeueve ceW MesejeW kes DeblejCe,Jeee|<eke
efjhees& keer heeeqhle ve nesvee, ueeYeebMe keer heeeqhle ve nesves Fleeefo mes mebyebefOele MesejOeejkeeW/efveJesMekees keer efMekeeeleeW kes efveJeejCe kes efuees MesejOeejkeeW/efveJesMeke efMekeeele
meefceefle kee ieve efkeee ieee nw. Je<e& kes oewjeve efveJesMekeeW mes heehle meYeer meboYeeX/ efMekeeeleeW kee Gej efoee pee egkee nw/efveheeve efkeee pee egkee nw.meeceevele: efveJesMekeeW
keer efMekeeeleeW hej keej&JeeF&,mecye peevekeejer heehle nesves kes meele efoveeW kes Yeerlej kej ueer peeleer nw. Fme meefceefle ceW DeOe#e SJeb heyebOe efveosMeke, keee&heeueke efveosMekeieCe
SJeb oes mJeleb$e efveosMeke nQ. Fmekes DeOe#e nceejs yeQke kes efveosMeke ceb[ue kes MesejOeejke efveosMeke eer ye=peueeue #eef$ee nQ.
Je<e& kes oewjeve, meefceefle keer efvecveefueefKele 5 yewkeW Deeeesefpele ngF&
20.05.2011
28.06.2011
meomeeW kee GHeefmLeefle DeefYeuesKe efvecveevegmeej nw

eer Sme. eerOej
eer Deej kes ogyes
cespej (mesJeeefveJe=e) Jeso hekeeMe
18.08.2011
01.11.2011
GHeefmLeefle-DeefYeuesKe Gvekes keee&keeue ceW Deeeesefpele

yewkeW
01
03
05
05
04
01
01
04
01
03
05
05
04
01
01
04
42
30.01.2012
meefceefle keer keeueeJeefOe (mes-leke)

01.04.2011 30.05.2011
29.06.2011 31.03.2012
01.04.2011 - 31.03.2012
01.04.2011 - 31.03.2012
01.04.2011 19.11.2011
10.01.2012 31.03.2012
19.01.2012 31.03.2012
01.04.2011 - 20.12.2011

Je<e& 2011-12 (01.04.2011 mes 31.03.2012) kes efueS efveJesMekeeW keer efMekeeeleeW kes efJeJejCe efvecveevegmeej nQ
1
2
3
4
5
6
7
8
9
Je<e& kes eejbYe ceW uebefyele efMekeeeleW

ueeYeebMe Jeejb eeHle ve nesves mebyebOeer
[erces esef[/efjHeb[ Dee@[&j eeHle ve nesves mebyebOeer
Jeeef<e&ke efjHees& eeHle ve nesves mebyebOeer
Mesej eceeCeHe$e eeHle ve nesves mebyebOeer
DemJeerke=le [erces DevegjesOe Heece& eeHle ve nesves mebyebOeer
Deve
kegue eeHle efMekeeeleW
kegue Oeeve oer / efveHeeF& ieF& efMekeeeleW
Je<e& keer meceeefHle Hej kegue uebefyele efMekeeeleW
efvejbke
196
10
05
9
03
15
238
238
efvejbke
nce Hegef< kejles nwb efke efveJesMeke keer keesF& Yeer efMekeeele 30 efove mes DeefOeke DeJeefOe nsleg efyevee Oeeve efoS / uebefyele venerb jner nw.
DevegHeeueve DeefOekeejer
eer Deevebo kegceej oeme, meneeke ceneeyebOeke-Sceyeer[er/kebHeveer meefeJe, me@ke SkemeeWpe kes meeLe efkeS ieS FefkeJeer meteerkejCe kejej kes Devegmeej yeQke kes DevegHeeueve
DeefOekeejer nQ.
Heeefjeefceke meefceefle
HetCe&keeefueke efveosMekeeW kes efueS keee&efve<Heeove mebyeb eeslmeenve jeefMe kes Yegieleeve kes efueS, efveosMeke ceb[ue keer Heeefjeefceke meefceefle kee ieve efJee ceb$eeuee kes mebes<eCe
SHe. veb. 20.1.2005-yeerDees-I efoveebke 09.03.2007 kes Devegmeej efkeee ieee. Fme meefceefle ceW 14.11.2011 leke [e@. MeMeebke mekemesvee, Yeejle mejkeej kes veeefceleer
efveosMeke (DeOe#e), eer Deeueeske b[ve, Yeejle mejkeej kes veeefceleer efveosMeke (efoveebke 15.11.2011 mes), eer meueerce iebieeOejve, Yeejleere efj]peJe& yeQke kes veeefceleer
efveosMeke, eer ye=peueeue #eef$ee SJeb cespej (mesJeeefveJe=e) Jeso ekeeMe Meeefceue nQ.
efJeeere Je<e& 2010-11 kes efueS HetCe&keeefueke efveosMekeeW kees keee&efve<Heeove-mebyebOeer eeslmeenve osves Hej efJeeej kejves kes efueS Fme Heeefjeefceke meefceefle keer yewke kee
Deeeespeve efoveebke 29.06.2011 kees efkeee ieee.
meeJe&peefveke efveie&ceeW, jeF efveie&ceeW, DeefOeceeve efveie&ceeW Fleeefo mes eeefHleeeb
Je<e& kes oewjeve, yeQke ves Mesej OeejkeeW kees jeF efveie&ce DeeOeej Hej ` 103/- eefle FefkeJeer Mesej (eefle Fefkeer Mesej ` 93/- kes eerefceece meefnle) kes efveie&ce cetue Hej,
eefle ` 10/- kes Debefkele cetue kes 242,464,866 FefkeJeer Meseme& kes Deeyebve mes ` 2497.39 kejes[ (eerefceece meefnle) pegeS nQ. yeQke ves DeefOeceeve DeeOeej Hej,
` 10/- Debefkele cetue kes FefkeJeer Mesej, ` 105.61 eefle FefkeJeer efveie&ce cetue (eefle FefkeJeer Mesej ` 95.61 kes eerefceece meefnle) Yeejle mejkeej kees 64,009,090
FefkeJeer Meseme& kes Deeyebve mes, SJeb Yeejleere peerJeve yeercee efveiece kees 25,500,000 FefkeJeer Meseme& kes Deeyebve mes ` 945.31 kejes[ (eerefceece meefnle) pegeS nQ.
meeLe ner, yeQke ves ueesDej efej II yee@C[dme kes He ceW ` 500 kejes[ Yeer pegeS nQ. efveefOeeeW kees pegeves kee cegKe GsMe efej-I SJeb efej-II Hetbpeer Heee&Hlelee DevegHeele
cepeyetle kejvee leLee yeQke kes oerIee&JeefOe m$eesleeW ceW DeefYeJe=ef kejvee nw. pegeF& ieF& efveefOeeeW kee GHeeesie GHeeg&kele GsMeeW nsleg efkeee pee jne nw.
mebes<eCe kes ceeOece
efleceener efJeeere HeefjCeece (iewj-uesKeeHejeref#ele Hejbleg meebefJeefOeke uesKeeHejer#ekeeW keer meerefcele meceer#ee kes DeOeerve) leLee uesKeeHejeref#ele Jeeef<e&ke HeefjCeece meeceeveleee
Fkee@veeefceke eFcme, HeeFveWefMeeue Skemeesme, efyepevesme mwC[[&, Heg{ejer (cejeer), Fleeefo pewmes Debespeer, efnboer, cejeer SJeb Deveske mLeeveere Yee<ee kes efJeefYeVe eefleef<le
meceeeej He$eeW ceW ekeeefMele efkeS ieS Les. Fve HeefjCeeceeW kees yeQke keer JesyemeeF www.centralbankofindia.co.in. Hej Yeer eoefMe&le efkeee ieee.
Deeeej mebefnlee
yeQke ves efveosMeke ceb[ue SJeb Jeefj< eyebOeleb$e kes efueS Deeeej mebefnlee DeHeveeF& nw. Gvekee Hee yeQke keer JesyemeeF www.centralbankofindia.co.in Hej GHeueyOe
nw. meceer#eeOeerve Je<e& kes efueS meYeer efveosMekeeW SJeb Jeefj< eyebOeleb$e eje Deeeej mebefnlee kes DevegHeeueve keer Hegef< keer ieF& nw Deewj DevegHeeueve keer Hegef< kee eceeCeHe$e
Devegueiveke I ceW efoee ieee nw.
yewbke keer eefleYetefle ceW FvemeeF[ ^sef[bie kees jeskeves kes efueS, yeQke ves DeHeves efveosMekeeW SJeb veeefcele kece&eeefjeeW kes efueS Deeeej mebefnlee yeveeF& nw.
43
efoveebke 31 ceee& 2012 kees efveosMekeeW eje Oeeefjle yeQke kes Meseme& keer mebKee efvecveevegmeej nw
e. meb.
MesejOeejke kee veece
mebKee
Oeeefjle kegue Meseme&

mekeue eesie kee %
549
0.000075
eer yeer.Sme. jeceyeeyet (meerlee jeceyeeyet yegje& kes meeLe mebegkele He mes)
320
0.000043
160
0.000022
ees. Sve. yeeueke=<Ceve
116
0.000016
1145
0.000156
kegue
Deve ekeerkejCe
yeQefkebie keejesyeej kes meeceeve JeJenejeW kes DeueeJee, yeQke ves Fmekes eJele&keeW, efveosMekeeW DeLeJee eyebOeleb$e, Gvekeer meneeke kebHeefveeeW DeLeJee mebyebefOeeeW Fleeefo kes meeLe
efkemeer cenJeHetCe& uesveosve veneR efkeee nw. efpememes efke yeQke kes JeeHeke efnleeW Hej eefleketuelee mebYeeefJele nes. Je<e& kes oewjeve, yeQke Deewj Fmekes iewj-keee&Heeueke efveosMekeeW kes
yeere keesF& DeeefLe&ke mebyebOe DeLeJee mebJeJenej veneR ngDee nw.
yewbke ceW en megmLeeefHele eLee nw efke efpeve efveosMeke, efpeveceW mebyebefOele ee Gvekes efjMlesoejeW mes mebyebefOele peye keesF& ceeceuee yees[& ceW eee&Oeerve neslee nw, leye Jes yees[& keer GHemeefceefleeeW keer eee& ceW Yeeie veneR uesles nQ.
yeQke ves Hetbpeer yeepeej mes mebyebefOele Yeejleere efj]peJe& yeQke, mesyeer, me@ke SkemeeWpe ee Deve meebefJeefOeke eeefOekeejer kees ueeiet efveeceeW SJeb efJeefveeceeW kee DevegHeeueve efkeee nw.
meceer#ee Je<e& kes oewjeve, Hetbpeer yeepeej mes mebye efkemeer Yeer ceeceues ceW, efkemeer Yeer me@ke SkemeeWpe, mesyeer DeLeJee efkemeer meebefJeefOeke eeefOekeejer eje yeQke Hej keesF& DeLe&ob[
DeLeJee eefleketue efHHeCeer veneR keer ieF& nw.
yeQke ves meteerkejCe kejej kes Keb[ 49 keer Devegye DeeJeMekeleeDeeW kee, peneb leke Keb[ leke keer DeeJeMekeleeDeeW mes, yeQefkebie efJeefveece DeefOeefveece, 1949, yeQefkebie kebHeveer
(GHeeceeW kee Depe&ve SJeb DeblejCe) DeefOeefveece, 1970 Deewj je<êreke=le yeQke (eyebOeve SJeb efJeefJeOe eeJeOeeve) eespevee SJeb Yeejleere efj]peJe& yeQke eje peejer efoMee-efveoxMeeW,
eeJeOeeveeW, efJeefveeceeW kee GuuebOeve veneR neslee nw, DevegHeeueve efkeee nw.
iewj-DeefveJeee& DeeJeMekeleeSb (meteerkejCe kejej kee Devegueiveke DeeF& [er)
yeQke ves meteerkejCe kejej kes Keb[ 49 kes Devegueiveke DeeF&[er ceW efveefo&< iewj-DeefveJeee& DeeJeMekeleeDeeW kees Jele&ceeve ceW Debieerkeej veneR efkeee nw.
meeceeve MesejOeejke metevee
yeQke keer HeebeJeer Jeeef<e&ke meeOeejCe yewke
efoveebke 27 petve, 2012 kees meeeb 4.00 yepes mej meesjeyepeer HeeseKeeveeJeeuee yeQkej eefMe#eCe ceneefJeeeuee, ketHej ne@efmHeue/efjueeebme Svepeea keeee&uee kes Heeme,
pesJeerHeer[er mkeerce, efJeues Heeuex (Heefece), cegbyeF&-400 056.
1.
meeOeejCe Jeeef<e&ke yewke efJeeere Je<e& 2011-12 mes mebyebefOele nw.
2.
yener-yeboer keer leejerKe efoveebke 23 petve, 2012 mes 27 petve, 2012 (oesveeW efoJeme meefnle)
3.
ueeYeebMe Yegieleeve leejerKe efoveebke 27 pegueeF&, 2012 kees DeLeJee Gmemes HetJe&
4.
me@ke SkemeeWpe ceW meteerkejCe.
yeQke kes Mesej yee@cyes me@ke SkemeeWpe efueefces[ SJeb vewMeveue me@ke SkemeeWpe Fbef[ee efueefces[, oesveeW ceW meteerye efkeS peeles nQ. efmeHe kees[ efvecveJele nw
1
2
3
4
532885
yee@cyes me@ke SkemeeWpe efueefces[ (yeerSmeF&)
vewMeveue me@ke SkemeeWpe Dee@He Fbef[ee efueefces[ (SveSmeF&)
meerF&SveerDeejSSueyeerkes
DeeF&SmeDeeF&Sve vebyej
DeeF&SveF& 483A01010
oesveeW me@ke SkemeeWpe kees Je<e& 2012-13 kes efueS Jeeef<e&ke meteerkejCe Meguke Deoe kej efoee ieee nw.
yeQke ves mecee-mecee Hej Jeeve-He$eeW kes He ceW iewj-HeefjJele&veere yee@C[ (efej-II Hetbpeer) peejer efkeS nQ. lelmebyebOeer yekeeee efJeJejCe efvecveJele nQ
efoveebke 31.03.2012 kees mesvûe yeQke Dee@He Fbef[ee yee@C[me-efej-II Hetbpeer keer efmLeefle
meerjerpe efJeJejCe
ueesDej efej II-meerjerpe IX
ueesDej efej II-meerjerpe X
ueesDej efej II-meerjerpe XI
peejer efoveebke
kegue cetue (` kejes[ ceW)
08.10.2004
200.00
28.03.2006
578.20
04.10.2006
700.00
44
DeeF&SmeDeeF&Sve
DeeF&SveF&483A09138
DeeF&SveF&483A09146
DeeF&SveF&483A09153

meerjerpe efJeJejCe
peejer efoveebke
kegue cetue (` kejes[ ceW)
DeeF&SmeDeeF&Sve
03.03.2008
389.10
ueesDej efej II-meerjerpe XII
DeeF&SveF&483A09161
10.02.2009
270.00
ueesDej efej II-meerjerpe XIII
DeeF&SveF&483A09187
21.12.2011
500.00
ueesDej efej II-meerjerpe XIV
DeeF&SveF&483A09245
14.11.2008
300.00
DeHej efej II-meerjerpe I
DeeF&SveF&483A09179
17.02.2009
285.00
DeHej efej II-meerjerpe II
DeeF&SveF&483A09195
23.06.2009
500.00
DeHej efej II-meerjerpe III
DeeF&SveF&483A09203
20.01.2010
500.00
DeHej efej II-meerjerpe IV
DeeF&SveF&483A09211
11.06.2010
1000.00
DeHej efej II-meerjerpe V
DeeF&SveF&483A09229
21.01.2011
300.00
DeHej efej II-meerjerpe VI
DeeF&SveF&483A08015
5522.30
kegue
es meYeer yee@C[ vewMeveue me@ke SkemeeWpe Dee@He Fbef[ee efueefces[ DeLeJee yee@cyes me@ke SdkemeeWpe efueefces[ ceW meteerye efkeS ieS nw. yeQke ves Je<e& 2012-13 kes efueS
SkemeeWpe kees Jeeef<e&ke meteerkejCe Meguke kee Yegieleeve efkeee nw.
yeepeej cetue Deebke[s
ceeefmeke Ge SJeb vetve YeeJe SJeb SveSmeF& Hej MesejeW kes ee-efJeee keer ecee$ee (yeQke kes Mesej cetue keer SveSmeF& efveHeer mes leguevee meefnle) efvecveJele nw
ceen
DeefOekelece cetue (`)
SveSmeF&
vetvelece cetue (`)
Meseme& keer mebKee
ceen
DeefOekelece cetue (`)
yeerSmeF&
vetvelece cetue (`)
Meseme& keer mebKee
SveSmeF& efveHeer
DeefOekelece
vetvelece
150.70
132.80
18268629
5944.45
5693.25
Deewue 2011
145.00
111.00
15361926
5775.25
5328.7
ceF& 2011
125.50
112.00
13633438
5657.9
5195.9
petve 2011
132.90
113.10
14893968
5740.4
5453.95
pegueeF& 2011
119.95
95.00
15675838
5551.9
4720
Deiemle 2011
107.40
96.50
11425195
5169.25
4758.85
efmelecyej 2011
109.25
91.65
6746454
5399.7
4728.3
Dekeletyej 2011
109.85
84.25
10147781
5326.45
4639.1
veJecyej 2011
95.15
65.40
7379164
5099.25
4531.15
efomecyej 2011
87.00
63.10
19382037
5217
4588.05
peveJejer 2012
111.00
82.65
27997485
5629.95
5159
HejJejer 2012
111.95
92.50
13854492
5499.4
5135.95
ceee& 2012
ceeefmeke Ge SJeb efvecve YeeJe SJeb yeerSmeF& Hej Meseme& kes ee-efJeee keer ecee$ee (yeQke kes Mesej cetue keer meWmeskeme mes leguevee meefnle) efvecveJele nw
Deewue 2011
ceF& 2011
petve 2011
pegueeF& 2011
Deiemle 2011
efmelecyej 2011
Dekeletyej 2011
veJecyej 2011
efomecyej 2011
peveJejer 2012
HejJejer 2012
ceee& 2012
150.60
138.00
125.35
132.65
118.30
107.35
109.20
109.90
94.10
87.65
111.00
111.80
132.60
111.15
111.90
113.00
95.15
96.50
95.50
84.20
65.55
63.25
82.00
92.10
45
62,36,798
38,08,785
29,83,064
35,43,799
41,60,248
36,65,312
17,62,413
27,01,501
18,48,478
50,80,243
64,20,483
28,42,935
meWmeskeme
DeefOekelece
19811.14
19253.87
18873.39
19131.7
18440.07
17211.8
17908.13
17702.26
17003.71
17258.97
18523.78
18040.69
vetvelece
18976.19
17786.13
17314.38
18131.86
15765.53
15801.01
15745.43
15478.69
15135.86
15358.02
17061.55
16920.61
Mesej DeblejCe SJeb MesejOeejkeeW/efveJesMekeeW keer efMekeeeleeW kee efveJeejCe

Mesej DeblejCe, Oeve-JeeHemeer DeeosMe, ueeYeebMe Yegieleeve SJeb efveJesMekeeW mes mebyebefOele Deve meYeer ieefleefJeefOeeeW Hej keej&JeeF& nceejs jefpemêj SJeb êbmeHej SpeW kes keeee&uee
ceW keer peeleer nw. FveceW mes efkemeer Yeer omleeJespe kees pecee kejves Deewj efkemeer Yeer Hetlee/efMekeeeleeW/keefveeFeeW kes mebyebOe ceW MesejOeejkeeW SJeb efveJesMekeeW mes efvecve Heles
Hej mebHeke& kejves kee DevegjesOe nw
efuebke FveeFce Fbef[ee eeFJes efueefces[
meer-13, Hevveeueeue efmeuke efceume kebHeeGb[
SueyeerSme ceeie&, Yeeb[gHe (Heefece)
cegbyeF& 400 078
sueer.: 022-25946970
Hewkeme: 022-25946969
F&-cesue DeeF&[er: rnt.helpdesk@linkintime.co.in
yeQke kes meeLe He$eeeej kejves kee Helee
meneeke ceneeyebOeke-Sceyeer[er/kebHeveer meefeJe SJeb DevegHeeueve DeefOekeejer
16JeeR cebefpeue, ebojcegKeer
vejerceve Hee@Fb
cegbyeF& - 400 021
mebHeke& veb. 022- 6638 7818
Hewkeme veb. 022- 2283 5198
F&-cesue DeeF&[er compsec@centralbank.co.in; investors@centrabank.co.in
efoveebke 31.03.2012 kees MesejOeeefjlee kee mebefJelejCe
8.
Meseme& keer MesejOeeefjlee
1-500
MesejOeeefjlee kee mebefJelejCe (Meseme&)

MesejOeejkeeW keer mebKee
kegue kee eefleMele
Meseme&
kegue kee eefleMele
176888
93.48
19746552
2.68
501-1000
7097
3.75
5421037
0.74
1001-2000
2819
1.49
4188856
0.57
2001-3000
801
0.42
2016287
0.27
3001-4000
468
0.25
1671128
0.23
4001-5000
236
0.12
1103196
0.15
5001-10000
482
0.25
3474837
0.47
10001 SJeb
436
0.23
698493523
94.89
DeefOeke
189227
100 736115416
kegue
``meeJe&peefveke'' keer esCeer ceW Deeves Jeeues JeefkeleeeB keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 1% mes DeefOeke nw.
100.00
``meeJe&peefveke'' keer esCeer ceW Deeves Jeeues JeefkeleeeB keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 1% mes DeefOeke nw, kees oMee&ves
Jeeuee efJeJejCe
%
Meseme& keer mebKee
73586024
10
Yeejleere peerJeve yeercee efveiece
``meeJe&peefveke'' keer esCeer ceW Deeves Jeeues JeefkeleeeB keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 5% mes DeefOeke nw.
``meeJe&peefveke'' keer esCeer ceW Deeves Jeeues JeefkeleeeB keer MesejOeeefjlee, efpevekeer MesejOeeefjlee kegue Meseme& keer mebKee kes 5% mes DeefOeke nw, kees oMee&ves
Jeeuee efJeJejCe
%
Meseme& keer mebKee
73586024
10
Yeejleere peerJeve yeercee efveiece
46

efoveebke 31.03.2012 kees MesejOeeefjlee kee mJeHe
MesejOeejkeeW keer eCeer
kesv mejkeej
efkeueeefjbie meome
Deve kee@Heexjs efvekeee
kee@Heexjs efveosMekeieCe
efJeeere mebmLeeSb
efJeosMeer efveJesMeke mebmLeeSb
efnbot DeefJeYeeefpele HeefjJeej
cegetDeue Heb[
je<êreke=le yeQke
iewj-je<êreke=le yeQke
DeefveJeemeer Yeejleere
DeefveJeemeer (DeeleeJele&veere)
pevemeeceeve
^m
peerDeeF&meer SJeb Gmekeer Deveg<ebefieeeb
kegue
efoveebke 31.03.2012 kees MesejOeeefjlee kee mJeHe

Meseme& keer mebKee
[erces
Yeewefleke
[erces
Yeewefleke
kegue Meseme& Oeefjlee kee %
518626336
64009090
582635426
79.1500
998981
352
998981
0.1357
10210488
90
1306
10210578
1.3871
1145
1145
0.0002
48086024
25500000
16
73586024
9.9965
18310435
65
18310435
2.4874
94622
94622
0.0129
1356928
1356928
0.1843
788570
788570
0.1071
177608
177608
0.0241
871443
1111
871443
0.1184
218752
288
218752
0.0297
42347848
18331
185895
139
42366179
5.7554
44810
25
44810
0.0061
4453915
4453915
0.6051
646587905
89527511
189085
142
736115416
100
Meseme& kes yeewjs oMee&lee efJeJejCe

e. MesejOeejkeeW kes veece
meb.
1
Yeejle kes je<^Heefle
2
peerJeve yeercee efveiece
kegue
Meseme& keer mebKee
kegue Meseme& kes eefleMele kes He ceW Meseme& DeLee&le

(S) + (yeer) + (meer) kee eesie
582635426
79.15
25500000
3.46
608135426
82.61
ef[Hee@efpejer jmeero ([erDeej) kes yeewjs oMee&lee ngDee efJeJejCe

e. yekeeee [erDeej (S[erDeej,
meb.
peer[erDeej, Sme[erDeej
Deeefo) kes ekeej
efvejbke
yekeeee [erDeej keer

mebKee
yekeeee [erDeej kes

efJeeejeOeerve Meseme& keer
mebKee
efvejbke
efvejbke
kegue Meseme& (DeLee&le (S) + (yeer) + (meer) kes kegue

eesie) kes eefleMele kes He ceW efJeeejeOeerve yekeeee
[erDeej
efvejbke
ef[Hee@efpejer jmeero ([erDeej) kes yeewjs oMee&lee ngDee efJeJejCe, peneb efJeeejeOeerve Meseme&, kegue Meseme& kes 1% mes DeefOeke nw.
e. [erDeej Oeejke kee veece yekeeee [erDeej (S[erDeej, efJeeejeOeerve yekeeee
kegue Meseme& (DeLee&le (S) + (yeer) + (meer) kes kegue
meb.
peer[erDeej, Sme[erDeej
[erDeej Meseme& keer
eesie) kes eefleMele kes He ceW efJeeejeOeerve yekeeee
Fleeefo) kes ekeej
mebKee
[erDeej
efvejbke
efvejbke
efvejbke
efvejbke
Meseme& kee ef[cessefjeuee]FpesMeve
yeQke kes Meseme& kee ee-efJeee DeefveJeee&le [erces He ceW efkeee peelee nw, yeQke ves Henues mes ner Meseme& kes [erces efjeueeFpesMeve kes efueS oesveeW ef[Hee@efpejer vewMeveue
efmekeetefjerpe ef[Hee@efpejerpe efueefces[ (SveSme[erSue) SJeb mesvûe ef[Hee@efpejer meefJe&mesme (Fbef[ee) efueefces[ (meer[erSmeSue) kes meeLe kejej efkeee nw.
47
efoveebke 31.03.2012 kees MesejOeejkeeW eje [erces SJeb Yeewefleke mJeHe ceW Oeeefjle Meseme& kes efJeJejCe
Meseme& keer mebKee
Oeeefjlee kee %
Yeewefleke mJeHe ceW

122225
SveSme[erSue
66860
meer[erSmeSue*
189225
kegue
* kesv mejkeej eje [erces He mes Oeeefjle 518626336 (70.46%) meefnle.
keesF& Yeer peer[erDeej/S[erDeej/JeejC DeLeJee HeefjJele&veere efueKele yekeeee veneR nw.
DeoeJeeke=le Geble KeeleeW ceW Meseme&
meteerkejCe kejej kes KeC[ mebKee 5S keer MeleeX kes Devegmeej, efoveebke 31 ceee&,
89527511
12.16
109217812
14.84
537370093
73.00
736115416
100
140
2012 kees
``DeoeJeeke=le Geble Keelee'' ceW yekeeee Meseme& efvecveJele nQ
e. efJeJejCe
MesejOeejkeeW keer mecee mebKee
meb.
(i) Je<e& kes eejbYe ceW DeoeJeeke=le Geble Keelee ceW mecee MesejOeejkeeW keer mebKee SJeb
296
yekeeee Meseme&
30
(ii) Je<e& kes oewjeve, MesejOeejkeeW keer mebKee, efpevneWves DeoeJeeke=le Geble KeeleeW mes
Meseme& kes DeblejCe kes efueS peejerkelee& mes mebHeke& efkeee.
30
(iii) Je<e& kes oewjeve, MesejOeejkeeW keer mebKee, efpevnW DeoeJeeke=le Geble KeeleeW mes Mesej
Debleefjle efkeS ieS.
266
(iv) Je<e& kes Deble ceW DeoeJeeke=le Geble KeeleeW ceW yekeeee kegue MesejOeejkeeW SJeb Meseme&
keer mebKee
meceie yekeeee Meseme&

35284
35047
kee@Heexjs ieJeveXme kes DeefveJeee& DevegyebOeeW kes DevegHeeueve kee eceeCeHe$e

me@ke SkemeeWpe kes meeLe efkeS ieS meteerkejCe kejej keer MeleeX kes Devegmeej kee@Heexjs ieJeveXme kes DeefveJeee& DevegyebOeeW kes DevegHeeueve mes mebyebefOele yeQke kes meebefJeefOeke
uesKeeHejer#ekeeW eje peejer eceeCeHe$e mebueive nw.
Devegueiveke I
Deeeej mebefnlee kes DevegHeeueve keer Iees<eCee

ceQ Hegef< kejlee nbt efke yees[& kes meYeer meomeeW SJeb Jeefj< eyebOeleb$e ves efJeeere Je<e& 2011-12 kes efueS yeQke keer Deeeej mebefnlee kee efveefele He mes DevegHeeueve efkeee nw.
[ceesnve
Jeer. ebkemeeues]
mLeeve cegbyeF&
efoveebke 24 ceF&, 2012
48

eefle,
efveosMeke ceb[ue
mesvûe yeQke Dee@@He Fbef[ee
meteerkejCe kejej kes Keb[ 49 kes Debleie&le eceeCeve
en eceeefCele efkeee peelee nw efke:

S. nceves mesvûe yeQke Dee@@He Fbef[ee kes efJelleere Jee& 2011-12 kes efJelleere efJeJejCeeW SJeb vekeo eJeen efJeJejCe keer peebe keer nw leLee nceejer DeefOekelece peevekeejer
SJeb efJeMJeeme kes Devegmeej:
i.
Fve efJeJejefCeeeW ceW leLele: keesF& ieuele efJeJejCe DeLeJee keesF& cenllJeHetCe& leLe veneR te nw DeLeJee Ssmee efJeJejCe veneR nw, peesefke Yeeceke nw.
ii.
es efJeJejCe meceie He ceW yeQke keer keee&-Heefle kee mele SJeb mener efe$eCe kejles nQ Deewj efJeeceeve uesKee ceevekeeW, ueeiet keevetve SJeb efJeefveeceeW kes Devegmeej
nQ.
yeer. nceejer DeefOekelece peevekeejer SJeb efJeMJeeme kes Devegmeej yeQke ves Jee& 2011-12 kes oewjeve Ssmee keesF& mebJeJenej veneR efkeee nw, pees efke keHeHetCe&, DeJewOeeefveke
DeLeJee yeQke keer Deeeej mebefnlee kee GuuebIeve kejlee nes.
meer. efJelleere efjHeesef&bie kes efueS Deebleefjke efveeb$eCe mLeeefHele SJeb Fmes JeJeefmLele kejves keer efpeccesoejer nce mJeerkeejles nQ leLee en efke efJelleere efJeJejCeeW keer efjHeesef&bie
kes mecyebOe ceW nceves yeQke keer Deebleefjke efveeb$eCe eCeeueer keer eYeeJelee kee cetueebkeve efkeee nw leLee nceves uesKeeHejer#ekeeW SJeb uesKeeHejer#ee meefceefle kees eefeee
DeLeJee Heefjeeueve keer Deebleefjke efveeb$eCe keer keefceeeB, eefo keesF& nQ, efpememes nce Heefjefele nQ, kee ekeve efkeee leLee Fve keefceeeW kees otj kejves kes efueS Gve
GHeeeeW keer peevekeejer oer, efpevnW nceves efkeee nw DeLeJee efkeee peevee emleeefJele nw.
[er. nceves uesKeeHejer#ekeeW SJeb uesKeeHejer#ee meefceefle kee Oeeve efvecve Hej Deeke efkeee nw:
i.
efJelleere efjHeesef&bie kes Deebleefjke efveeb$eCe ceW Jee& kes oewjeve efkeS ieS cenllJeHetCe& HeefjJele&ve;
ii.
uesKeebkeve veerefleeeW ceW Jee& kes oewjeve efkeS ieS cenllJeHetCe& HeefjJele&ve leLee Fvekee ekeve efJelleere efJeJejefCeeeW ceW Yeer efkeee ieee nw; SJeb
iii.
OeesKeeOeef[]eeW keer Denced IeveeSb, efpevekeer nceW peevekeejer eeHle ngF& nw leLee GveceW eyebOeve DeLeJee efkemeer kece&eejer, efpemekeer efJelleere efjHeesef&bie Hej yeQke
keer Deebleefjke efveeb$eCe eCeeueer ceW cenllJeHetCe& Yetefcekee nw, keer mebefueHlelee, eefo keesF& nes.
Se.kes.Jesmegvee
cegKe ceneeyebOeke

mLeeve : cegbyeF&
49
kee@Heexjs ieJeveXme Hej uesKee Hejer#ekeeW kee HeceeCeHe$e
eefle,
mesvûe yeQke Dee@@He Fbef[ee kes meomeieCe,

nceves efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS mesvûe yeQke Dee@@He Fbef[ee eje kee@Heexjs ieJeveXme& keer MeleeX kes DevegHeeueve keer peebe kej ueer nw, pewmee efke
me@ke SkemeeWpe kes meeLe keefLele kebHeveer kes meteerkejCe-kejej kes Keb[ 49 ceW efveOee&efjle nw.
kee@Heexjs ieJeveXme keer MeleeX kes DevegHeeueve kee oeefeleJe eyebOeleb$e kee nw. kee@Heexjs ieJeveXme keer MeleeX kes DevegHeeueve kees megefveefele kejves kes efueS kebHeveer eje Debieerkele
eefeeeDeesb leLee Gvekes keeee&vJeeve leke ner nceejer en peebe meerefcele Leer. en kebHeveer kes efJelleere efJeJejCeeW Hej ve lees uesKeeHejer#ee nw Deewj ve ner Gve Hej DeefYeJeefkele nw.
nceejer jee leLee nceejer DeefOekelece peevekeejer kes Devegmeej Deewj nceW efoS ieS mHeerkejCeeW kes DevegHe, nce en eceeefCele kejles nQ efke GefuueefKele meteerkejCe kejej ceW
efveOee&efjle kee@Heexjs ieJeveXme keer MeleeX kee kebHeveer ves DevegHeeueve efkeee nw.
nce en eceeefCele kejles nQ efke MesejOeejke meefceefle eje jKes ieS efjkee@[& kes Devegmeej, kebHeveer kes efJe keesF& Yeer efveJesMeke efMekeeele Ske ceen mes DeefOeke DeJeefOe leke
uebefyele veneR nw.
meeLe ner, nceeje en Yeer keLeve nw efke Fme lejn kee DevegHeeueve ve lees yeQke keer YeeJeer JeJenee&lee kee Deewj ve ner eyebOeleb$e eje yeQke kes keejesyeej mecyebOeer Gvekes keewMeue
leLee eYeeefJelee kee DeeMJeemeve nw.
keles ces. meeiej SC[ DemeesefMeSdme
meveoer uesKeekeej
SHe.Deej.veb.-003510Sme
(meerS yeer. eerefveJeeme jeJe )
Yeeieeroej
meomelee meb.202352
keles ces. kes.Sme.Deej SC[ kebHeveer
meveoer uesKeekeej
SHe.Deej.veb.100186[yeuet
(meerS Meebleveg Ieese )
Yeeieeroej
meomelee meb.050927
keles ces. peerSmeS SC[ DemeesefMeSdme

meveoer uesKeekeej
SHe.Deej.veb.-000257Sve
(meerS megveerue DeieJeeue)
Yeeieeroej
meomelee meb.083899
keles ces. efIeee SC[ kebHeveer.
meveoer uesKeekeej
SHe.Deej.veb.001088meer
(meerS peer.Heer.iegHlee)
Yeeieeroej
meomelee meb.075000
mLeeve : cegcyeF&
leejerKe : 24 ceF&, 2012
50
keles ces. [er.jbieemJeeceer SC[ kebHeveer

meveoer uesKeekeej
(meerS yeer.jeceeveer )
Yeeieeroej
meomelee meb.019603
keles ces.mewcemebo SC[ DemeesefMeSdme
meveoer uesKeekeej
(meerS efceueve eerceeueer )
Yeeieeroej
meomelee meb.088578
Yeejle kes je^Heefle kees uesKee Hejer#ekeeW keer efjHees&
1.
2.
3.
4.
5.
6.
7.
8.
nceves mesvûe yeQke Dee@@He Fbef[ee kes efoveebke 31 ceee&, 2012 kes mebueive legueve He$e leLee GmeceW mebueive Gkele efoveebke kees meceeHle Jee& kes ueeYe SJeb neefve Keeles
leLee vekeo eJeen efJeJejCe keer uesKee Hejer#ee keer nw. FveceW 20 MeeKeeDeesb, kegue 74 #es$eere keeee&ueeeW ceW mes nceejs eje uesKee Hejeref#ele 37 #es$eere keeee&ueeeW keer
efJeJejefCeeeb, Deve MeeKee uesKee Hejer#ekeeW eje uesKee Hejeref#ele 2540 MeeKeeDeesb, 20 SveyeerDees leLee 9 meerSceSme MeeKeeSb Yeer Meeefceue nQ, Fmekes meeLe ner, 1454
MeeKeeDeesb SJeb 37 #es$eere keeee&ueeeW kes legueve-He$e leLee ueeYe SJeb neefve Keeles Yeer Meeefceue efkeS ieS nQ, peesefke uesKee Hejer#ee kes DeOeerve veneR Les. Fve DeuesKeeHejeref#ele MeeKeeDeesb ceW DeefieceeW kee 3.29 eefleMele, peceeDeesb kee 12.5 eefleMele, yeepe Deee kee 12.51 eefleMele Deewj yeepe KeeeX kee& 11.14 eefleMele nw.
nceejs eje uesKee Hejeref#ele MeeKeeSb leLee Deve uesKee Hejer#ekeeW eje uesKee Hejeref#ele MeeKeeSb Yeejleere efj]peJe& yeQke eje yeQke kees peejer efoMee-efveoxMeeW kes Devegmeej
yeQke eje egveer ieF& nQ. Fve efJeeere efJeJejefCeeeW keer efpeccesoejer yeQke kes eyebOeleb$e keer nw. nceejer efpeccesoejer Fve efJeeere efJeJejefCeeeW kes yeejs ceW nceejer uesKee-Hejer#ee
kes DeeOeej Hej jee Jekele kejvee nw.
nceves meeceeveleee Yeejle ceW mJeerkeee& uesKee Hejer#ee ceevekeeW kes DeeOeej Hej DeHeveer uesKee Hejer#ee keer nw. Fve ceevekeeW kes Devegmeej en DeHesef#ele nw efke nce uesKee
Hejer#ee Fme lejn mes megefveeesefpele Deewj mecHevve kejW efke nceW en leke&mebiele Deeeemeve efceues efke es efJeeere efJeJejefCeeeb nj ekeej keer cenJeHetCe& ieueefleeeW mes cegkele
nQ. efJeeere efJeJejCeeW ceW oer ieF& jeefMeeeW kes mee#eeW SJeb ekeerkejCe kes vecetves kes leewj Hej peebe kejvee uesKee Hejer#ee ceW Meeefceue nw. uesKee Hejer#ee ceW, eyebOeleb$e eje
efkees iees cenJeHetCe& Devegceeve Deewj uesKee efmeebleeW kes Deekeueve kes meeLe meceie efJeeere efJeJejCe keer emlegefle kee cetueebkeve Yeer Meeefceue nw.
yeQke eje ueeYeebMe keer IeeseCee HeWMeve keer DeHeefjMeesefOele jeefMe (` 719.95 kejes[) leLee iesegFer oseleeSb (` 166.20 kejes[), kesv mejkeej keer Devegceefle
kes DeOeerve, yes Keeles [eues efyevee keer ieF& nw.
nceejer jee kees GHeegkele njees efyevee, nce efJelleere efJeJejefCeeeW keer Devegmeteer 18 kes vees meb. 12 keer Deesj Oeeve Deekeefe&le kejles nQ, pees yeQke kes HeWMeve
oselee SJeb iesegFer oselee kes DeemLeieve kes mebyebOe ceW, `meeJe&peefveke #es$eesb kes yeQkeeW kes kece&eeefjeeW kees HeWMeve efJekeuHe kee Hegve: Keguevee leLee iesegFer
meerceeDeesb ceW Jeef' efJeJeskeHetCe& efJeefveeeceke JeJenej Hej kece&eejer ueeYe mebyebOeer HeefjHe$e mebKee [eryeerDees[er.yeerHeer.yeermeer/80/21.04.018/2010-11 efoveebke
09.02.2011 kes ceeOece mes uesKeebkeve ceeveke (SSme) 15 kes eeJeOeeveeW kees ueeiet kejves mes meeJe&peefveke #es$e kes yeQkeeW kees Yeejleere efj]peJe& yeQke eje eolle t
kes DevegmejCe ceW nQ. leovegmeej, efoveebke 01.04.2011 kees DeHeefjMeesefOele jeefMe ` 1181.53 kejes[ ceW mes yeQke eje efoveebke 31 ceee&, 2012 kees meceeHle Je<e&
kes efueS HeWMeve nsleg ` 239.89 kejes[ leLee iesegFer kes efueS ` 55.40 kejes[ keer DeevegHeeefleke jeefMe HeefjMeesefOele keer nw.
legueve He$e Deewj ueeYe SJeb neefve Keelee, yeQefkebie efJeefveeceve DeefOeefveece, 1949 keer leleere Devegmeteer kes eceMe: Hee@ce& `S' Deewj `yeer' ceW yeveeS ieS nQ.
GHee&gkele Hewje 1 ceW oMee&S uesKee Hejer#ee keer meerceeDeesb kes DeOeerve SJeb yeQkekeejer kecHeveer (GHeeceeW kee Depe&ve Deewj DeblejCe) DeefOeefveece, 1970 leLee meeLe ner
GveceW Jeebefle ekeerkejCe keer meerceeDeesb kes DeOeerve, nce metefele kejles nQ efke :
S) nceves meYeer peevekeejer Deewj mHeerkejCe eeHle kej efueS nQ, pees nceejs eslece %eeve Deewj efJeeeme kes Devegmeej uesKee Hejer#ee kes nceejs eeespeveeW keer ef
mes DeeJeMeke Les Deewj nceves GvnW mebleesepeveke Heeee nw.
yeer) yeQke kes keejesyeej mes mecyebefOele pees peevekeejer nceejs meeceves DeeF& nw, Jes yeQke kes DeefOekeej-#es$e kes Debleie&le ner nw.
meer) yeQke keer MeeKeeDeesb leLee keeee&ueeeW mes eeHle efJeJejefCeeeb, pees peevekeejer meefnle eyebOeleb$e eje emlegle keer ieF& nw, nceejs uesKee Hejer#ee eeespeveeW kes efueS
Heee&Hle HeeF& ieF& nQ.
nceejer jee ceW, legueve He$e, ueeYe-neefve Keelee leLee vekeo eJeen efJeJejCe ueeiet uesKeebkeve ceevekeeW kes Devegmeej nQ.
nceejer jee ceW leLee nceejer eslece peevekeejer SJeb nceW efoS ieS mHeerkejCe kes Devegmeej Deewj yeQke keer HegmlekeeW ceW eLee eoefMe&le :
S) legueveHe$e, menHeefle cetue uesKeebkeve veerefleeeW SJeb Gve Hej efHHeefCeeeW kes meeLe, DeeJeMeke efJeJejCeeW kees Meeefceue kejles ngS HetCe& SJeb mHe legueve-He$e nw,
efpememes efke efoveebke 31 ceee&, 2012 kees, meeceeveleee Yeejle ceW mJeerkeee& uesKeebkeve efmeebleeW kes DevegHe yeQke kes keee&keueeHeeW kee mele SJeb mHe
efe$eCe emlegle efkeee pee mekes.
yeer) ueeYe SJeb neefve Keelee men Heefle cenllJeHetCe& uesKeebkeve veerefleeeW SJeb Gve Hej efHHeefCeeeW kes meeLe, meeceeveleee, Yeejle ceW mJeerkeee& uesKeebkeve efmeebleeW
kes DevegHe uesKee eje keJej efkees ieS Jee& kes efueS ueeYe kee JeemleefJeke Mese oMee&lee nw, SJeb
meer) vekeo eJeen efJeJejCe, Gme efoveebke kees meceeHle Jee& kes efueS vekeo eJeen kee mHe SJeb JeemleefJeke efe$eCe kejlee nw.
keles ces.peerSmeS SC[ DemeesefMeSdme
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHe.Deej.veb.003510Sme
SHe.Deej.veb.000257Sve
(meerS yeer. DeCee)
(meerS Devegee eerefveJeemeve)
Yeeieeroej
Yeeieeroej
Yeeieeroej
meomelee meb. 083899
keles ces.kes.Sme.Deej SC[ keHebveer
keles ces. efIeee SC[ kebHeveer
keles ces. mewcemebo SC[ DemeesefMeSdme
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
SHe.Deej.veb.100186[yuet
(meerS meleerMe kes. kesuekej)
(meerS peer.Heer.iegHlee )
(meerS efceueve eerceeueer)
Yeeieeroej
Yeeieeroej
Yeeieeroej
mLeeve : cegbyeF&
51
efoveebke 31 ceee&, 2012 kee legueveHe$e

efJeJejCe
Devegmeteer
mebKee
Hetbpeer SJeb oseleeSb

Hetbpeer (vees 1 kee meboYe& ueW)
Mesej DeeJesove jeefMe
Deejef#ele efveefOeeeb SJeb DeefOeMese
peceejeefMeeeb
GOeej jeefMeeeb
Deve oseleeSb SJeb eeJeOeeve
2,35,31,154
2,02,11,415
2,02,56,836
10,09,84,104
6,82,65,778
1,96,17,33,268
1,79,35,60,153
12,91,95,961
12,88,79,794
8,25,52,905
6,63,99,293
2,29,79,97,392
2,09,75,73,269
13,11,41,772
14,08,19,916
1,01,24,236
1,20,08,097
59,24,32,651
54,50,44,883
1,47,51,28,503
1,29,72,54,066
10
2,47,39,090
2,42,53,862
11
6,44,31,140
7,81,92,445
2,29,79,97,392
2,09,75,73,269
59,39,13,114
43,35,11,073
5,67,71,907
3,57,60,905
kegue
Deeefmleeeb
Yeejleere efj]peJe& yeQke kes Heeme vekeo SJeb Mese jeefMe
yeQkeeW ceW peceejeefMeeeb SJeb ceebie Je DeuHe metevee Hej jeefMeeeb
efveJesMe
Deefiece
Deeue Deeefmleeeb
Deve Deeefmleeeb
kegue
Deekeefmceke oseleeSb
Jemetueer nsleg efyeue
cegKe uesKeebkeve veerefleeeb
uesKeeW Hej efHHeefCeeeb
Gkele meboefYe&le Devegmetefeeeb legueveHe$e kee cenllJeHetCe& Yeeie nQ
(000 es[kej)
efoveebke
efoveebke
31 ceee&, 2012 kees 31 ceee&, 2011 kees
12
17
18

efJepeeue#ceer Deej. Deej
jepeerJe efkeMeesj ogyes
keee&Heeueke efveosMeke
Deeueeske b[ve
meueerce iebieeOejve
jescesMe meYejJeeue
cespej(mesJeeefveJee) Jeso ekeeMe
efveosMeke
efveosMeke
efveosMeke
efveosMeke
iegceeve efmebn
Sve.yeeueekeCeve
ye=peueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
SHe.Deej. veb. 003510Sme
(meerS yeer. DeCee)
Yeeieeroej
meomelee meb 216454
keles ces. kes.Sme.Deej SC[ keb.
meveoer uesKeekeej
SHe.Deej. veb.-100186[yuet
Yeeieeroej
meomelee meb.038934
Fmeer leejerKe keer nceejer efjHees& kes Devegmeej

mLeeve : cegbyeF&

meveoer uesKeekeej
Yeeieeroej
keles ces. [er. jbieemJeeceer SC[ keb.

meveoer uesKeekeej
Yeeieeroej
keles ces.efIeee SC[ keb.

meveoer uesKeekeej
SHe.Deej. veb.-001088meer
Yeeieeroej

meveoer uesKeekeej
SHe.Deej. veb.-003708Sve
Yeeieeroej
meomelee meb.083899
52
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS ueeYe SJeb neefve Keelee
efJeJejCe
I.
II.
III.
efoveebke 31 ceee&
2012 kees meceeHle
Jee& kes efueS
(000 es[kej)
efoveebke 31 ceee&
2011 kees meceeHle
Jee& kes efueS
13
14
19,14,94,994
1,39,53,016
20,54,48,010
15,22,05,661
1,26,50,414
16,48,56,075
15
16
13,98,08,592
3,74,89,952
2,28,19,075
20,01,17,619
9,89,52,287
3,99,89,883
1,33,89,804
15,23,31,974
53,30,391
14,789
53,45,180
1,25,24,101
11,287
1,25,35,388
13,32,598
4,39,466
1,50,000
2,05,630
12,85,921
14,72,231
4,44,545
14,789
53,45,180
5.95
31,48,525
10,00,000
1,50,000
52,77,293
11,155
11,48,706
13,74,051
4,10,869
14,789
1,25,35,388
22.04
Devegmeteer
mebKee
Deee
Deefpe&le yeepe
Deve Deee
Jee
eolle yeepe
Heefjeeueve Jee
eeJeOeeve SJeb DeekeefmcekeleeSb
ueeYe/neefve
Jee& kes efueS Meg ueeYe
Deeies ueeee ieee ueeYe
kegue
kegue
kegue
efJeefveeespeve
efvecve kees Debleefjle :
meebefJeefOeke Deejef#ele efveefOe
efveJesMe Deejef#ele efveefOe
efJeMese Deejef#ele efveefOe Oeeje 36(1)(viii) kes DeOeerve
kece&eejer keueeCe efveefOe
Deee Deejef#ele efveefOe
pesHeerJeee mJesHe ketHeve Hej yeepe nsleg Deejef#ele efveefOe
emleeefJele ueeYeebMe - DeefOeceeveer Hetbpeer
emleeefJele ueeYeebMe - FefkeJeer Hetbpeer
ueeYeebMe kej
legueveHe$e ceW ues peeF& ieF& Mese jeefMe
kegue
eefle Mesej Deee (yesefmeke SJeb [eFuets[) (`)
cegKe uesKeebkeve veerefleeeb
GHee&gkele meboefYe&le Devegmetefeeeb ueeYe SJeb neefve Keeles kee DeefveJeee& Ieke nQ.
IV.
17
18

Deeueeske b[ve
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
efveosMeke
iegceeve efmebn
Sve.yeeueekeCeve
ye=peueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
(meerS yeer. DeCee)
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej
meomelee meb.038934

mLeeve : cegbyeF&
meomelee meb.083899
53
efoveebke 31 ceee&, 2012 kees legueve He$e keer Devegmetefeeeb

efJeJejCe
(000 es[kej)
efoveebke
31/03/2011 kees
efoveebke
kees
31/03/2012
`
Devegmeteer 1 : Hetbpeer
eeefOekele Hetbpeer
eleske 10/- kes 300,00,00,000 Mesej
efveie&efcele, DeefYeolle SJeb eolle Hetbpeer :
eleske ` 10/- kes 73,61,15,416 FefkeJeer Mesej
(kesv mejkeej eje Oeeefjle 58,26,35,426 Meseme& meefnle )
(iele Jee& eleske ` 10/- kes 40,41,41,460 FefkeJeer Mesej)
yesefceeeoer Demebeeer DeefOeceeveer Mesej Hetbpeer
(eleske 10/- kes 161,70,00,000 DeefOeceeveer Mesej )
kegue
Devegmeteer 2 : eejef#ele efveefOeeeb SJeb DeefOeMese
I. meebefJeefOeke eejef#ele efveefOeeeb
efHeues legueveHe$e kes Devegmeej Mese jeefMe
Jee& kes oewjeve HeefjJeOe&ve
3,00,00,000
3,00,00,000
73,61,154
40,41,415
1,61,70,000
1,61,70,000
2,35,31,154
2,02,11,415
2,35,31,154
2,02,11,415
1,52,49,882
1,21,01,357
13,32,598
31,48,525
1,65,82,480
II.
Hetbpeeriele eejef#ele efveefOeeeb

i) Hegvece&tueve eejef#ele efveefOe
efHeues legueve He$e kes Devegmeej Mese jeefMe
Jee& kes oewjeve keewleer
1,92,84,291
1,52,49,882
1,96,20,223
3,14,722
3,35,932
1,89,69,569
ii)
efveJesMe eejef#ele efveefOe

1,92,84,291
36,31,035
36,31,035
4,39,466
40,70,501
III.
Mesej eerefceece
Jee& kes oewjeve HeefjJeOe&ve/meceeeespeve
36,31,035
73,60,000
73,60,000
3,11,07,132
3,84,67,132
IV.
V.
V.
Deee SJeb Deve eejef#ele efveefOeeeb

i) Deee eejef#ele efveefOeeeb
IeeSb : Jee& kes oewjeve keewefleeeb
73,60,000
2,17,25,781
1,64,87,153
2,05,630
52,88,448
51,778
49,820
Deeekej DeefOeefveece keer Oeeje 36(1)(viii) kes Debleie&le

efJeMese eejef#ele efveefOeeeb
ueeYe SJeb neefve Keeles ceW Mes<e jeefMe
kegue
54
2,18,79,633
2,17,25,781
10,00,000
10,00,000
14,789
14,789
10,09,84,104
6,82,65,778

efJeJejCe
(000 es[kej)
efoveebke
31/03/2011 kees
efoveebke
kees
31/03/2012
`
Devegmeteer 3 : peceejeefMeeeb
S. I. ceebie peceejeefMeeeb
i) yeQkeeW mes
ii) Deve mes
II.
III.
yeele yeQke peceejeefMeeeb

meeJeefOe pecee jeefMeeeb
i) yeQkeeW mes
ii) Deve mes
kegue
yeer. i) Yeejle ceW efmLele MeeKeeDeesb keer peceejeefMeeeb
ii) Yeejle kes yeenj efmLele MeeKeeDeesb keer peceejeefMeeeb
Devegmeteer 4 : GOeejjeefMeeeb
I. Yeejle ceW GOeejjeefMeeeb
i) Yeejleere efj]peJe& yeQke
ii) Deve yeQke
iii) Deve mebmLeeve SJeb SpeWefmeeeb
iv) Dejef#ele eefleose yee@C[ (ieewCe $eCe)
v) DeHej efej II yee@C[
vi) veJeesvcese yesceereeoer $eCe efueKele
Yeejle kes yeenj mes GOeej jeefMeeeb
kegue
GHee&gkele I SJeb II ceW Meeefceue jef#ele GOeej jeefMeeeb
Devegmeteer 5 : Deve oseleeSb SJeb eeJeOeeve
I. ose efyeue
II. Deblej keeee&uee meceeeespeve (Meg)
III. GHeefele yeepe
IV. DeemLeefiele kej oselee
V. Deve (eeJeOeeve meefnle)
kegue
Devegmeteer 6 : Yeejleere efj]peJe& yeQke ceW vekeoer SJeb Mese jeefMe
I. nmles vekeoer (efJeosMeer cege veeseW meefnle)
II. Yeejleere efj]peJe& yeQke ceW Mese jeefMe
eeuet KeeleeW ceW
Deve KeeleeW ceW
21,56,771
35,79,786
12,46,47,165
15,07,33,764
12,68,03,936
52,59,46,590
3,28,34,428
15,43,13,550
47,64,49,389
2,68,55,783
1,27,61,48,314
1,13,59,41,431
1,30,89,82,742
1,96,17,33,268
1,96,17,33,268
1,16,27,97,214
1,79,35,60,153
1,79,35,60,153
25,00,700
25,604
64,770
3,74,14,716
5,80,90,269
2,63,73,000
2,13,73,000
2,88,50,000
2,88,50,000
58,30,000
58,30,000
II.
10,09,94,020
2,82,01,941
11,42,08,039
1,46,71,755
12,91,95,961
12,88,79,794
efvejbke
efvejbke
88,78,315
34,40,230
1,30,58,828
92,86,641
45,50,200
14,63,000
5,60,65,562
5,22,09,422
8,25,52,905
6,63,99,293
1,66,76,309
92,57,589
11,34,65,463
13,05,62,327
10,00,000
1000000
11,44,65,463
13,11,41,772
kegue
55
13,15,62,327
14,08,19,916

efJeJejCe
(000 es[kej)
efoveebke
31/03/2011 kees
efoveebke
kees
31/03/2012
`
Devegmeteer 7 : yeQkeeW ceW pecee jeefMeeeb Deewj ceebie Je DeuHe

metevee Hej jeefMe
I. Yeejle ceW
i) yeQkeeW kes Heeme Mese jeefMe
S) eeuet KeeleeW ceW
yeer) Deve pecee KeeleeW ceW
ii) ceebie Je DeuHe metevee Hej jeefMe
S) yeQkeeW kes Heeme
yeer) Deve mebmLeeDeesb kes Heeme
64,81,831
78,32,950
37,229
65,19,060
II.
Yeejle kes yeenj

meer) ceebie Je DeuHe metevee Hej jeefMe
kegue
Devegmeteer 8 : efveJesMe
I. Yeejle ceW efveJesMe : *
i) mejkeejer eefleYetefleeeW ceW
ii) Deve Devegceesefole eefleYetefleeeb
iii) Meseme&
iv) ef[yeWeme& SJeb yee@C[me
v) DevegebefieeeW SJeb eeeesefpele mebmLeeveeW ceW
vi) Deve (eterDeeF& Meseme& SJeb JeeefCeefpeke HesHeme& cetegDeue Heb[
Deeefo)
II.
**
Yeejle kes yeenj efveJesMe**

Devegebefieeeb SJeb/DeLeJee efJeosMe ceW efmLele DemeesefMeSdme
kegue
Yeejle ceW efveJesMe
mekeue cetue
IeeSb : cetueeme nsleg eeJeOeeve
Meg cetue
Yeejle kes yeenj efveJesMe
mekeue cetue
Meg cetue
78,32,950
36,03,834
41,73,805
1,342
1,342
36,05,176
1,01,24,236
41,75,147
1,20,08,097
50,72,38,240
47,75,74,297
6,03,668
8,43,682
94,24,314
80,80,675
4,10,16,662
3,52,68,008
25,41,662
24,71,662
3,16,01,511
2,07,99,965
59,24,26,057
54,50,38,289
6,594
6,594
59,24,32,651
54,50,44,883
59,57,65,455
54,84,64,246
33,39,398
34,25,957
59,24,26,057
6,594
54,50,38,289
6,594
6,594
56
6,594

efJeJejCe
(000 es[kej)
efoveebke
31/03/2011 kees
efoveebke
kees
31/03/2012
`
Devegmeteer 9 :Deefiece
S. i) Kejeros ieS Deewj YegveeS ieS efyeue
ii) vekeo-GOeej, DeesJej[êHe SJeb ceebie Hej eefleose $eCe
iii) ceereeoer $eCe
kegue
yeer. DeefieceeW kee efJeJejCe :
i) cetle& DeeefmleeeW eje jef#ele (yener $eCe kes mece#e DeefieceeW
meefnle)
ii) yeQke/mejkeejer ieejber eje jef#ele
iii) Dejef#ele
kegue
meer. DeefieceeW kee #es$eJeej Jeieer&kejCe
(I) Yeejle ceW Deefiece
i) eeLeefcekelee #es$e
ii) meeJe&peefveke #es$e
iii) yeQke
iv) Deve
kegue
(II) Yeejle kes yeenj Deefiece
Devegmeteer 10 : Deeue Deeefmleeeb
I. Heefjmej
(ueeiele /Hegvece&tueebefkele ueeiele Hej)
efHeues Jee& kes 31 ceee& kees Mese jeefMe
kegue
Fme efoveebke kees cetueeme
kegue
II. Deve Deeue Deeefmleeeb
(Heveer&ej SJeb peg[veej meefnle)
efHeues Jee& keer 31 ceee& keer ueeiele Hej
kegue
Jee& kes oewjeve keewefleeeb/meceeeespeve
kegue
Fme efoveebke kees cetueeme
kegue
kegue (I SJeb II)
2,25,38,880
1,93,76,090
49,06,09,919
96,19,79,704
37,94,16,161
89,84,61,815
1,47,51,28,503
1,29,72,54,066
1,03,33,47,079
7,88,38,452
95,40,87,520
9,49,38,235
36,29,42,972
24,82,28,311
1,47,51,28,503
1,29,72,54,066
38,52,21,816
40,50,95,096
9,76,03,765
9,86,81,204
7,49,653
1,74,388
99,15,53,269
79,33,03,378
1,47,51,28,503
1,29,72,54,066
efvejbke
efvejbke
2,38,58,143
2,38,30,114
1,15,269
28,029
2,39,73,412
2,38,58,143
40,43,752
37,01,847
1,99,29,660
2,01,56,296
1,17,34,975
95,09,577
21,55,582
23,27,349
1,38,90,557
1,18,36,926
1,55,962
1,01,951
1,37,34,595
1,17,34,975
89,25,165
76,37,409
57
48,09,430
40,97,566
2,47,39,090
2,42,53,862

efJeJejCe
(000 es[kej)
efoveebke
31/03/2011 kees
efoveebke
kees
31/03/2012
`
Devegmeteer 11 Deve Deeefmleeeb

I. GHeefele yeepe
II. Deefiece kej Yegieleeve/eesle Hej keee ieee kej
(Meg eeJeOeeve)
III. msMevejer SJeb mecHe
IV. oeJeeW keer Hetefle& mes Deefpe&le iewj yeQefkebie Deeefmleeeb
V. Deblej keeee&uee meceeeespeve
VI. Deve
kegue
Devegmeteer 12 : Deekeefmceke oseleeSb
I. S) yeQke kes efJe oeJes efpevnW $eCe kes He ceW veneR ceevee ieee nw
yeer) DeHeerue, mebMeesOeve Deeefo kes Debleie&le efJeJeeefole Deeekej ceebie
II. DeebefMeke eolle efveJesMeeW kes efueS oselee
III. yekeeee Jeeeoe efJeosMeer cege mebefJeoeDeesb kes keejCe oselee
IV. ieenkeeW keer Deesj mes eoe ieejbefeeb
S) Yeejle ceW
yeer) Yeejle kes yeenj
V.
VI.
1,26,76,296
1,07,79,172
2,33,10,995
2,28,32,448
1,31,680
1,23,474
29,46,039
1,53,11,881
2,53,66,130
6,44,31,140
2,91,45,470
7,81,92,445
15,56,441
18,15,342
1,42,45,860
60,16,360
578,649
41,64,74,984
28,80,54,433
6,36,70,949
55,18,890
30,78,445
58
7,81,92,445
6,44,31,140
7,06,31,212
mJeerkeefleeeb, Heebkeve leLee Deve oeefelJe

Deve ceoW, efpevekes efueS yeQke Deekeefmceke He mes osveoej nw
kegue
7,61,50,102
6,67,49,394
8,50,62,529
6,17,96,895
4,23,198
85,00,000
59,39,13,114
43,35,11,073
efoveebke 31 ceee&, 2012 kees meceeHle Je<e& kes efueS ueeYe SJeb neefve Keeles keer Devegmetefeeeb
(000 es[kej)
31 ceee&, 2012 kees 31 ceee&, 2011 kees
meceeHle Jee& nsleg
meceeHle Jee& nsleg
efJeJejCe
Devegmeteer 13 : Deefpe&le yeepe

I.
DeefieceeW/efyeueeW Hej yeepe/yee
II.
efveJesMeeW Hej Deee
III.
Yeejleere efj]peJe& yeQke SJeb Deve Deblej- yeQke efveefOeeeW ceW Mese jeefMe Hej yeepe
IV.
Deve
kegue
Devegmeteer 14 : Deve Deee
I.
keceerMeve, efJeefvecee SJeb oueeueer
II.
efveJesMeeW keer efyeeer Hej ueeYe (Meg)
III.
efveJesMeeW kes Hegvece&tueebkeve Hej ueeYe/(neefve)
IV.
Yetefce, YeJeveeW SJeb Deve DeeefmleeeW keer efyeeer Hej ueeYe/neefve (Meg)
V.
efJeefvecee uesveosveeW Hej ueeYe (Meg)
VI. efJeosMe/Yeejle ceW mLeeefHele DevegebefieeeW Deewj DemeesefMeSdme mes ueeYeebMeeW Deeefo kes He ceW Deefpe&le Deee
VII. efJeefJeOe Deee
kegue
Devetmeeer 15 : eolle yeepe
I.
peceejeefMeeeW Hej yeepe
II.
Yeejleere efj]peJe& yeQke/Deblej- yeQke GOeejjeefMeeeW Hej yeepe
III.
Deve
kegue
Devegmeteer 16 : Heefjeeueve Jee
I.
kece&eeefjeeW kees Yegieleeve SJeb Gvekes efueS eeJeOeeve
II.
efkejeee, kej SJeb efyepeueer
III.
cegCe SJeb uesKeve meeceieer
IV.
efJe%eeHeve SJeb eeej-emeej
V.
yeQke keer mebHeefe Hej cetueeme
VI. efveosMekeeW keer Heerme Yelles SJeb Keex
VII. uesKee Hejer#ekeeW keer Heerme, SJeb Keex (MeeKee uesKeeHejer#ekeeW meefnle)
VIII. efJeefOe eYeej
IX. [eke Kee&, leej, sueerHeesve Deeefo
X.
cejccele SJeb jKe-jKeeJe
XI. yeercee
XII. Deve Keex
kegue
59
14,42,04,764
11,25,38,023
4,34,73,461
3,76,70,956
33,93,498
3,33,698
4,23,271
16,62,984
19,14,94,994
15,22,05,661
66,34,990
62,05,058
32,00,628
31,19,229
(4,167)
(1,105)
18,68,242
5,60,926
23,560
15,545
22,29,763
27,50,761
1,39,53,016
1,26,50,414
12,99,61,070
9,06,26,409
14,90,560
14,44,291
83,56,962
68,81,587
13,98,08,592
9,89,52,287
2,50,62,428
2,96,42,232
25,67,790
19,15,037
2,64,764
2,15,661
3,52,177
9,69,396
14,35,363
11,86,898
9,359
12,955
2,05,152
2,25,414
1,15,701
1,49,382
3,94,471
3,53,313
8,33,115
6,48,609
16,45,970
15,57,480
46,03,662
31,13,506
3,74,89,952
3,99,89,883
Devegmeteer 17 - cegKe uesKeebkeve veerefleeeb
1.
2.
2.1
2.2
2.3
2.4
3.
3.1
3.2
3.3
3.4
uesKeebkeve jerefleeeb :
Heefjmej kes Hegvece&tueve eje mebMeesOeve kes DeueeJee efJelleere efJeJejefCeeeb HejbHejeiele ueeiele DeeOeej Hej ueeYekeejer keejesyeej Jeeues mebmLeeve keer DeJeOeejCee kee
DevegmejCe kejles ngS leweej keer ieF& nQ leLee meYeer leeeflJeke HenuegDeesb mes, Yeejle ceW meeceeveleee mJeerkele uesKeebkeve efmeebleeW (peerSSHeer) kes DevegHe nQ, pees ueeiet
meebefJeefOeke eeJeOeeveeW, Yeejleere efj]peJe& yeQke (DeejyeerDeeF&) eje efJeefveefo& efJeefveeeceke ceeveob[eW, uesKeebkeve ceevekeeW (SSme) leLee Fbmeret Dee@He ee&[&
DekeeGvW Dee@He Fbef[ee (DeeF&meerSDeeF&) eje peejer GodIeeseCeeDeesb leLee Yeejle kes yeQefkebie Geesie ceW eeefuele eLeeDeesb kees meceeefJe kejleer nQ.
efJeosMeer cege mes mecyebefOele uesve-osve :
efJeosMeer cegeDeesb ceW ceewefke DeeefmleeeW Je oseleeDeesb kee efveOee&jCe Yeejleere efJeosMeer cege JeeHeej mebIe (Hes[eF&) eje Jee& keer meceeefHle Hej DeefOemetefele eeefuele
efJeefvecee oj Hej efkeee peelee nw leLee HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles ceW oMee&ee peelee nw.
Deee SJeb Jee keer ceoeW kee efveOee&jCe uesve-osve keer leejerKe kees ueeiet efJeefvecee ojeW Hej efkeee peelee nw.
efJeosMeer cege ceW ieejber, meeKeHe$e, mJeerkeefleeeb, Heebkeve, leLee Deve oeefelJe Jee& keer meceeefHle Hej Hes[eF& eje DeefOemetefele ojeW Hej efveOee&efjle keer peeleer nQ.
yekeeee Jeeeoe mebefJeoeSb Jee& keer meceeefHle Hej Hes[eF& eje DeefOemetefele ojeW Hej efveOee&efjle keer peeleer nQ Deewj HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles ceW
oMee&ee peelee nw.
efveJesMe :
Yeejleere efj]peJe& yeQke eje peejer efoMee-efveoxMeeW kes Devegmeej efveJesMeeW kees `HeefjHekeJelee leke Oeeefjle', `JeeHeej nsleg Oeeefjle' leLee èfJeee kes efueS GHeueyOe' esefCeeeW
ceW Jeieeakele efkeee ieee nw. leLeeefHe, legueveHe$e ceW oMee&ves kes efueS efveJesMeeW kees efvecve Meere&keeW kes Debleie&le Jeieeakele efkeee ieee nw :
i)
mejkeejer eefleYetefleeeb
ii)
Deve Devegceesefole eefleYetefleeeb
iii) Meseme&
iv)
ef[yeWeme& SJeb yee@C[dme
v)
Devegebieer SJeb eeeesefpele mebmLeeve, SJeb
vi)
Deve (eterDeeF& MesejeW, JeeefCeefpeke HesHej SJeb cetegDeue Heb[ keer etefvedme).
JeieeakejCe kee DeeOeej :
Kejero kes mecee efveJesMe kee JeieeakejCe efvecve esefCeeeW ceW efkeee peelee nw :
i)
HeefjHekeJelee leke Oeeefjle
FveceW Jes efveJesMe Meeefceue nQ, efpevnW yeQke HeefjHekeJelee leke jKevee eenlee nw.
ii)
JeeHeej kes efueS Oeeefjle
eefleYetefleeeb, pees cegKe He mes Kejero keer leejerKe mes 90 efove kes Yeerlej Hegve: efyeeer kes efueS jKeer peeleer nQ.
iii) efJeee kes efueS GHeueyOe
Jes efveJesMe pees GHee&gkele oes esefCeeeW ceW Jeieeakele veneR efkeS pee mekeles nQ.
esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe :
efveJesMeeW keer leerve esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe/yeoueeJe DeblejCe keer leejerKe Hej DeefOeienCe ueeiele/yener cetue leLee yeepeej cetue, FveceW mes pees kece
nw, Hej uesKeeiele efkeee peelee nw. Ssmes DeblejCe Hej cetueeme, eefo keesF& nw, lees Gmekee HetCe&leee eeJeOeeve efkeee peelee nw.
cetueebkeve :
S) HeefjHekeJelee leke Oeeefjle :
Fme esCeer kes Debleie&le Jeieeakele efveJesMe kees DeefOeienCe ueeiele Hej cetueebefkele efkeee peelee nw. Debefkele cetue mes DeefOeke DeefOeienCe ueeiele/yener cetue kee
DeeefOekee Mese HeefjHekeJelee keer Mese DeJeefOe kes THej HeefjMeesefOele efkeee peelee nw.
yeer) efJeee kes efueS GHeueyOe :
Fme esCeer kes Debleie&le efveJesMeeW kees efleceener Deblejeue Hej yeepeej ceW, efmeHeJeej efvecveJele Debefkele efkeee peelee nw :
i)
kesv mejkeej keer eefleYetefleeeb
yeepeej cetue Hej me@ke SkemeeWpe/ SHeDeeF&SceSce[erS / Heer[erSDeeF& eje efvekeeues ieS
keessMeve kes Devegmeej
ii)
jepe mejkeej keer eefleYetefleeeb, kesv/jepe mejkeej HeefjHekeJelee kes DeeOeej Hej Gefele Deee kes Devegmeej
eje ieejverkele eefleYetefleeeb, HeerSmeet yee@C[
iii)
^spejer efyeue/pecee-eceeCeHe$e/
JeeefCeefpeke HesHej
jKeeJe ueeiele Hej
iv)
FefkeJeer Mesej
S ) Gle :
60
yeepeej cetue Hej
3.5
3.6
4.
5.
yeer) Devegle : eefle Mesej yener cetue Hej, eefo, veJeervelece (Ske Jee& mes Hegjevee veneR)
legueve He$e GHeueyOe nes, ee ` 1.00 eefle kebHeveer, eefo, veJeervelece
legueveHe$e GHeueyOe ve nes lees.
v)
DeefOeceeveer Mesej
S ) Gle : yeepeej cetue Hej
yeer) Devegle : HeefjHekeJelee Hej Gefele Deee
vi)
ef[yeWej SJeb yee@C[
vii) cetegDeue Heb[
yeer) Devegle : Hegve: ee cetue Hej ee Meg Deeefmle cetue (peneb Hegve: ee cetue
GHeueyOe ve nes)
viii) Jesvej Hetbpeer
Ieesefele Meg HeefjmecHeefe cetue DeLeJee uesKee Hejeref#ele legueve-He$e kes
DeeOeej Hej, Meg HeefjmecHeefe kes efJeMuesefele Deebke[s, peesefke 18 ceen
mes Hegjeves ve neW. eefo Meg HeefjmebHeefe cetue / uesKee Hejeref#ele efJeeere
HeefjCeece ueieeleej 18 ceen mes DeefOeke keer DeJeefOe kes efueS GHeueyOe ve
neW, leye eefle Jesvej Hetbpeer efveefOe (JeermeerSHe) kes efueS ` 1/-.
eefleYetefle kes yener cetue kees meceeeesefpele efkeS yeiewj, eleske JeieeakejCe kes Debleie&le Meg cetueeme kee eeJeOeeve efkeee ieee nw leLee eefo keesF& cetue Jeef
nw, lees Gmes ieCevee ceW veneR efueee ieee nw.
meer) JeeHeej kes efueS Oeeefjle :
Fme esCeer kes Debleie&le Jeieeakele efveJesMeeW kee cetueebkeve ceeefmeke Deblejeue Hej yeepeej ojeW Hej, peneb GHeueyOe nQ, DeLeJee SHeDeeF&SceSce[erS eje Ieesefele
cetueeW Hej efkeee peelee nw. eefleYetefle kes yener cetue kees meceeeesefpele efkeS yeiewj eleske JeieeakejCe kes Debleie&le Meg cetueeme kee eeJeOeeve efkeee ieee nw
leLee eefo keesF& cetue Jeef nw, lees Gmes ieCevee ceW veneR efueee ieee nw.
ueeiele efveOee&jCe :
Yeeefjle Deewmele ueeiele Heefle kes DeeOeej Hej efveJesMe ueeiele efveOee&efjle keer ieF& nw.
Deee efveOee&jCe :
i)
efveJesMeeW keer efyeeer/eefleoeve Hej ueeYe DeLeJee neefve kees ueeYe SJeb neefve Keeles ceW efueee ieee nw. leLeeefHe `HeefjHekeJelee kes efueS Oeeefjle' esCeer kes efveJesMeeW keer
efyeeer/eefleoeve Hej ueeYe kes ceeceues ceW, mecelegue jeefMe `Hetbpeer eejef#ele efveefOe' ceW efJeefveeesefpele keer ieeer nw.
ii)
efveJesMeeW keer leerve esefCeeeW ceW mes efkemeer ceW Yeer Meeefceue eefleYetefleeeW kes mecyebOe ceW, peneb yeepe/cetue Oeve 90 efove mes DeefOeke mecee kes efueS yekeeee nw,
Jeneb Deee keer ieCevee veneR keer ieF& nw leLee iewj efveHeeoke DeefieceeW Hej ueeiet efJeJeskeHetCe& ceeveob[eW kes Devegmeej efkeS ieS efveJesMeeW kes cetueeme nsleg GHeegkele
eeJeOeeve efkeee ieee nw. Deefiece keer ekeefle kes ef[yeWej/yee@C[, DeefieceeW Hej ueeiet meeceeve efJeJeskeHetCe& ceeveob[eW kes DeOeerve jKes ieS nQ.
iii) eefo yeQke kees ose yeepe SJeb/DeLeJee cetue Oeve ee Deve keesF& jeefMe 90 efove mes DeefOeke keer DeJeefOe kes efueS Deefleose jnleer nes, jepe mejkeej eje
ieejberkele $eCe peesefKece kees DeJeceeveke/mebefoiOe/neefve kes He ceW, pewmee Yeer ceeceuee nes, Jeieeakele efkeee ieee nw leLee efJeJeskemeccele ceeveob[eW kes Devegmeej
DeeJeMeke eeJeOeeve efkees ieS nQ.
iv)
eefleYetefleeeW keer Kejero Hej eeHle oueeueer, eeslmeenve jeefMe, $eCe mebyebOeer eejbefYeke Meguke Deeefo kees efveJesMeeW keer ueeiele ceW mes Ieeee ieee nw.
v)
eefleYetefleeeW kes DeefOeienCe kes mecee efkeS ieS KeeeX pewmes oueeueer, Heerme, keceerMeve ee kejeW kees Deee ceW eYeeefjle efkeee ieee nw.
vi)
eefleYetefleeeW kes ee ee efyeeer Hej Kebef[le DeJeefOe kee yeepe, Deee ceo ceevee ieee nw.
[sefjJesefJpe
efJeeere neefve mes yeeeJe-JeJemLee kes efueS eegkele [sefjJesefJpe kee efvecveevegmeej uesKeebkeve efkeee ieee nw.
i)
owefveke yeepeej-cetue - peneb DeefYeefeefvnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue Hej Debefkele keer ieF& nQ, HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles
ceW efueee ieee nw.
ii)
peneb DeefYeefeefvnle Deeefmleeeb/oseleeSb owefveke yeepeej cetue Hej Debefkele vener keer ieF& nQ, Gve ceeceueeW ceW, yeepe oj mJewHe, pees yeepe Oeeefjle DeeefmleeeW/
oseleeDeesb kee efJeeere neefve mes yeeeJe kejles nQ, GvnW GHeefele DeeOeej Hej uesKeeiele efkeee ieee nw.
iii) mJewHe meceeefHle Hej ngS ueeYe DeLeJee neefve kees mJewHe kes Mese mebefJeoeiele DeJeefOe DeLeJee DeeefmleeeW/oseleeDeesb keer Mese DeJeefOe ceW mes, pees Yeer kece nes, kes
DeeOeej Hej efveOee&efjle efkeee peelee nw.
Deefiece :
5.1 DeefieceeW kees ceeveke, DeJeceeveke, mebefoiOe DeLeJee neefve DeeefmleeeW kes He ceW Jeieeakele efkeee ieee nw leLee Fme mecyebOe ceW DeHesef#ele eeJeOeeve Yeejleere
efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe& ceeveob[eW kes Devegmeej efkeS iees nQ.
61
5.2
6.
7.
8.
9.
Devepe&ke DeeefmleeeW (SveHeerS) ceW ngF& Jemetueer kees Henues yeepe ceW efJeefveeesefpele efkeee peelee nw. leLeeefHe, Jeeo oeej, ef[eerkele KeeleeW leLee mecePeewlee
ceeceueeW ceW Jemetueer Henues cetue Oeve ceW DeLeJee ef[eer/mecePeewles keer MeleeX kes Devegmeej efJeefveeesefpele keer ieF& nw.
5.3 DeefieceeW kees, HeeJeOeeveeW (SveHeerS kes ceeceues ceW), DeeeHle yeepe SJeb GOeejkelee&Deesb mes Jemetue keer ieF& jeefMe, pees efJeefJeOe Keeles ceW jKeer ieF& nw leLee
meerpeererSmeDeeF&/F&meerpeermeer mes Jemetue keer ieF& jeefMe kee HeefjMeesOeve kej oMee&ee ieee nw.
ceeveke DeeefmleeeW kes efueS efkeee ieee eeJeOeeve, Deve oseleeSb SJeb eeJeOeeve - (DeveeW) ceW Meeefceue nQ.
5.4 yeseer ieF& efJelleere DeeefmleeeW kee efveOee&jCe efvecveevegmeej efkeee ieee nw:
eefo efyeeer efveJeue yener cetue (SveyeerJeer) mes kece keercele Hej nw lees Jen keceer ueeYe SJeb neefve Keeles kees eYeeefjle keer ieF& nw.
eefo efyeeer SveyeerJeer mes Gelej keercele Hej nw lees DeefOeMese eeJeOeeve Deve iewj-efveHeeoke efJelleere DeeefmleeeW keer efyeeer kes keejCe ngF& keceer/neefve kees Hetje
kejves kes efueS jKee ieee nw.
Deeue Deeefmleeeb/cetueeme :
6.1 Deeue DeeefmleeeW (kecHetjeW kes Deefleefjkele, efpevekee cetueeme meerOeer jsKee Heefle Hej efkeee ieee nw) kee cetueeme `cetueeefmele cetue eCeeueer' kes
Debleie&le efvecve ojeW Hej efkeee ieee nw :
i)
Heefjmej
Devegceeefvele peerJeve Hej DeeOeeefjle HeefjJele&veere ojeW Hej
ii)
Heveeaej, efueHe, megefj#ele ke#e
10%
iii) Jeenve
20%
iv)
Jeeleevegketueve eb$e,
ketuej, eFHejeFj Deeefo
15%
v)
efmemce mee@HeJesej meefnle kebHetj
33.33%
(DeefYeienCe Jee& kes oewjeve SefHuekesMeve mee@HeJesej kees Deee ceW eYeeefjle efkeee peelee nw.)
6.2 Gve DeeefmleeeW kes ceeceues ceW, efpevekee Hegvece&tueebkeve efkeee ieee nw, cetueeme Hegvece&tueve jeefMe Hej efkeee ieee nw leLee JeefMeerue cetueeme, pees Hegvece&tueve
jeefMe kes efueS Gejoeeer nw, Gmes `Hegvece&tueve eejef#ele efveefOe' ceW meceeeesefpele efkeee ieee nw.
6.3 30 efmelebyej leke DeeefmleeeW ceW HeefjJeOe&ve kes efueS Hetjs Jee& cetueeme kee eeJeOeeve efkeee ieee nw leLee Gmekes yeeo HeefjJeefOe&le DeeefmleeeW nsleg DeeOes Jee& kes
efueS eeJeOeeve efkeee ieee nw. 30 efmelebyej mes HetJe& yeseer ieF& DeeefmleeeW Hej cetueeme kee eeJeOeeve veneR efkeee ieee nw leLee 30 efmelebyej kes yeeo yeseer ieF&
DeeefmleeeW kes efueS DeOe& Jee& kes efueS cetueeme kee eeJeOeeve efkeee ieee nw.
6.4 HesJeeueer YetefceeeW kee cetue Hes keer DeJeefOe Hej HeefjMeesefOele efkeee peelee nw. Hegvece&tueve kes ceeceues ceW, cetue ueeiele Deewj Hegvece&tueve cetueeW kes Deblej kees Hes
keer yeekeer DeJeefOe kes efueS HeefjMeesefOele efkeee ieee nw Deewj `Hegvece&tueve eejef#ele efveefOe' ceW meceeeesefpele efkeee ieee nw.
6.5 peneb Hej Yetefce Je Heefjmej kes cetue kees Deueie-Deueie kejvee mebYeJe veneR nw, Jeneb meefcceefele ueeiele Hej cetueeme ueieeee ieee nw.
kece&eejer - ueeYe :
7.1 ie@egFer SJeb HeWMeve efveefOeeeW ceW Jeeefe&ke DebMeoeve kee efveOee&jCe yeerceebefkeke cetueebkeve DeeOeej Hej efkeee nw. HeWMeve efveefOe kes efueS DebMeoeve HeefjYeeefele ueeYe
eespevee kes Debleie&le efkeee ieee nw.
7.2 Deefpe&le ger kes efueS oseleeDeesb kee eeJeOeeve yeerceebefkeke cetueebkeve kes DeeOeej Hej efkeee ieee nw.
7.3 Gve kece&eeefjeeW kes mecyebOe ceW, efpevneWves YeefJee efveefOe eespevee nsleg efJekeuHe efoee nw, mecelegue kee DebMeoeve efkeee ieee nw.
7.4 yeQke ves DeHeveer uesKee yeefneeW ceW, kece&eejer ueeYe mes GlHevve oseleeDeesb kees yeeOeleeDeesb kes Jele&ceeve cetue mes legueve He$e ceW eespevee DeeefmleeeW kes Gefele cetue
kees Ieekej oMee&ee nw.
Deee SJeb Jee kee efveOee&jCe :
8.1 peye leke DeveLee metefele veneR efkeee ieee nes, Deee SJeb Jee keer ceoeW kees GHeefele DeeOeej Hej uesKeeiele efkeee peelee nw.
8.2 Jemetueer Hej Devepe&ke DeeefmleeeW Hej Deee keer ieCevee Yeejleere efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe& ceeveob[eW kes Devegmeej keer ieF& nw.
8.3 Yeejleere efj]peJe& yeQke kes HeefjHe$e meb. [eryeerDees[er meb. yeerpeer. yeermeer. 89/21.4.018/2002-03/ efoveebke 29.03.2003 kes eje peejer efoMeeefveoxMeeW kes
DevegHe, eefo keesF& Yeer ceo pees ueeYe SJeb neefve uesKes ceW uesKeeiele efkeS kegue Deee/kegue Keex kes Ske eefleMele mes DeefOeke nw lees Gmekee DeJeefOe HetJe&
ekeerkejCe efkeee peelee nw.
8.4 Deefleose peceeDeesb Hej ose yeepe nsleg eeJeOeeve Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kes DevegHe eeJeOeeve efkeS peeles nQ.
8.5 keceerMeve (mejkeejer JeJemeee kees es[kej), efJeefvecee, uee@kej efkejeee leLee yeercee oeJes Jemetueer/efveHeeve nesves Hej uesKeeiele efkeee peelee nw.
8.6 Mesej efveie&ce kes JeeeW kees 5 JeeeX kes efueS efleceener DeeOeej Hej HeefjMeesefOele efkeee peelee nw.
Deee kej :
Fme Jee& kes efueS kej nsleg eeJeOeeve ceW DeemLeefiele kej leLee ueeiet kej keevetve kes Devegmeej Jele&ceeve kej oselee keer ieCevee keer ieF& nw, pees kej eesie Deee leLee
uesKee Deee kes yeere mecee Deblej keer Heneeve kejles nQ, pees Ske mecee ceW eejbYe nesles nQ leLee Ske ee DeefOeke leovevlej DeJeefOe ceW eleeJeefle&le nesles nQ. DeemLeefiele
kej DeeefmleeeW keer leye leke Heneeve veneR keer peeleer nw peye leke efke `JeemleefJeke efveefelelee' ve nes, Heee&Hle YeeJeer kej eesie Deee, Ssmes DeemLeefiele kej DeeefmleeeW
keer Jemetueer kes mece#e GHeueyOe nesieer.
62
Devegmeteer 18 : uesKeeW mes mecyebefOele efHHeefCeeeb

1.
2.
3.
4.
5.
6.
Hetbpeer:
yeQke keer eeefOekele Hetbpeer ` 3000 kejes[ nw.
yeQke keer eoe Hetbpeer ` 2021.14 kejes[ mes ye{kej Deye ` 2353.11 kejes[ nw, pees ` 242.46 kejes[ kes jeF FMet kes ceeOece mes Jele&ceeve MesejOeejkeeW
kees eefle Mesej ` 93/- kes eerefceece Hej FefkeJeer Mesej peejer kejves mes ngF& nw, efpevekee Deeyebve Deewue 2011 ceW MesejOeejkeeW kees ngDee Lee. Fmekes meeLe ner
yeQke ves Yeejle mejkeej SJeb Yeejleere peerJeve yeercee efveiece kees eefle Mesej ` 95.61 kes eerefceece mes ` 89.51 kejes[ kes FefkeJeer MesejeW kes DeefOeceeveer efveie&ce kes
ceeOece mes Yeer DeHeveer FefkeJeer ye{eF& nw.
yeefneeW kee mecelegueve / efceueeve :
efvecveefueefKele ceoeW kee mecelegueve eieefle Hej nw :
- Deblej MeeKee/keeee&uee Mese
- mejkeejer (kesv SJeb jepe) uesve-osve Keeles
- Deblej yeQke Keeles
- eCeeueer Geble Keelee
- Geble Keelee
- meceeMeesOeve SJeb Deve meceeeespeve Keeles
- SerSce mes mebyebefOele Mese
- vee@efceveue KeeleeW ceW jKes efJeefMe Mese
HeyebOeleb$e kee cele nw efke KeeleeW Hej meceie eYeeJe, eefo keesF& nw, lees Jen DeefOeke cenllJeHetCe& veneR nesiee.
Deee kej / DeemLeefiele kej :
3.1 Fme Jee& kes efueS Deee kej kee eeJeOeeve, mebiele meebefJeefOeke eeJeOeeveeW SJeb efJeJeeefole ceeceueeW Hej veeefeke efveCe&eeW, efJeiele JeeeX keer DeefOeke eeJeOeeefvele keer
ieF& jeefMe ` 112.38 kejes[ (meboYe& vees 8(yeer)) kes efjJeme&ue mes Meg jeefMe kes Heefjes#e ceW efJeefOeJele efJeeej-efJeceMe& kes yeeo efkeee ieee nw.
3.2 Deve Deeefmleeeb (Devegmeteer 11 (ii)) ceW ` 1424.58 kejes[ (efHeues Jee& ` 601.64 kejes[) Meeefceue nQ, pees yeQke eje Yegieleeve efkeS ieS ee Deeekej
efJeYeeie eje meceeeesefpele efJeJeeefole Deee kej kes meboYe& ceW nQ. Ssmes efJeJeeefole ceeceueeW Hej efJeefYevve veeefeke efveCe&eeW/keeGbmeue kes celeeW kes DeeOeej Hej
GHee&gkele efJeJeeefole ceebieeW kes efueS kej keer efJeJeeefole jeefMe kee eeJeOeeve efkeee peevee yeQke eje DeeJeMeke veneR mecePee ieee nw.
3.3 efJeJeeo kes Debleie&le Yegieleeve efkeS ieS ` 1424.58 kejes[ kes kej ceW mes, efJeefYevve efveOee&jCe JeeeX mes mecyebefOele efJeJeeoeW ceW Meeefceue ` 4.82 kejes[ keer
kej jeefMe, DeHeeruekelee& eeefOekeeefjeeW eje yeQke kes He#e ceW efveCeeale keer ieF& nw. Fmekes efueS DeHeerue kee eYeeJe ueefcyele nw.
Mesej efveie&ce kes Kee& :
Mesej efveie&ce KeeeX keer ` 1.31 kejes[ (iele Jee& ` 6.72 kejes[) keer DeHeefjMeesefOele jeefMe Deve DeeefmleeeW ceW Meeefceue keer ieF& nw.
Heefjmej :
5.1 efoveebke 31.03.2008 kees yeepeej cetue oMee&ves kes efueS yeQke kes HeefjmejeW kee Hegvece&tueebkeve efJeeere Jee& 2007-08 kes oewjeve efkeee ieee. Deefleefjkele
cetue JeefOo jeefMe ` 1565.97 kejes[ kees Hegvece&tueebkeve eejef#ele efveefOe Keeles ceW pecee efkeee ieee nw.
5.2 yeQke kes mJeeefcelJe Jeeues HeefjmejeW ceW ` 9.95 kejes[ (iele Jee& ` 12.21 kejes[) keer ueeiele keer mebHeefe Meeefceue nw, efpemes ` 122.31 kejes[ (iele Jee&
` 198.46 kejes[) Hej Hegvece&tueebefkele efkeee ieee nw. Fmekes efueS HebpeerkejCe DeewHeeeefjkeleeSb DeYeer Yeer Heieefle Hej nw.
Deefiece / eeJeOeeve :
6.1 HeeseCe / HegveJe&meve / HegveefJe&veeme keee&ece kes Debleie&le Deeves Jeeueer FkeeFeeW meefnle iCe FkeeFeeW kees efoS ieS Deefiece Deewj mebefoiOe / neefve DeeefmleeeW ceW
Jeieeakele Deve DeefieceeW kees, yeQke kes Heeme yebOeke jKeer ieF& mecHeefleeeW /DeeefmleeeW kes cetueebkekeeW eje efoS ieS leLee yeQke kes Heeme GHeueyOe Deve Deebke[esb
kes DeeOeej Hej eLece DeLeJee efleere eYeej OeejCe kejves Jeeueer eefleYetefleeeW kes Devegceeefvele Jemetueer eesie cetue leke eefleYetle / Jemetueer eesie ceevee peeSiee.
6.2 yeQke ves eeuet Jee& ceW, Yeejleere efj]peJe& yeQke eje peejer efoMee-efveoxMeeW kes DevegHe ` 312.42 kejes[ (iele Jee& ` 312.42 kejes[ ) kes DemLeeeer eeJeOeeve
kees Meg SveHeerS keer ieCevee kejves kes efueS mekeue SveHeerS mes ves efkeee nw.
6.3 Des SJeb jef#ele ceeves ieS DeefieceeW ceW DeeF&yeerS eje peejer (iewj eeLeefcekelee#es$e) etefveHee@ce& kees[ ieJeefve&bie Fbj yeQke Heeef&efmeHesMeve eje DeefOeMeemeer
DeeF&yeerHeermeer ceW ` 3000 kejes[ (iele Jee& ` 2000 kejes[) SJeb DeejDeejyeer eje peejer DeeF&yeerHeermeer ceW kegue ` 2080 kejes[ ( iele Jee& ` 1440 kejes[)
eeLeefcekelee#es$e/ele#e keefe kee efveJesMe Meeefceue nw.
63
ieewCe $eCe:
Jee& kes oewjeve, yeQke ves efej II Hetbpeer (ieewCe $eCe) kes Debleie&le Dejef#ele ceeseveere yee@C[dme peejer kej ` 500 kejes[ keer jeefMe pegekej, Fmes ` 2637.30
kejes[ (iele Jee& ` 2137.30 kejes[) Hej Hengbeeee nw SJeb DeHej efej II yee@C[dme ` 2885.00 kejes[ (iele Jee& ` 2885.00 kejes[) nw.
8.
Yeejleere efj]peJe& yeQke eje peejer efoMee-efveoxMeeW kes Devegmeej efvevceefueefKele HekeerkejCe efkeS ieS nQ :
S.
Hetbpeer Heee&Hlelee DevegHeele :

e.meb.
ceoW
31.03.2012
31.03.2011
11.96
12.40
10.74
11.64
1.
meerDeejSDeej (%)
yeemeue-I
yeemeue-II
2.
meerDeejSDeej-efej-I Hetbpeer (%)

yeemeue-I
yeemeue-II
7.50
7.79
5.81
6.31
3.
meerDeejSDeej-efej-II Hetbpeer (%)

yeemeue-I
yeemeue-II
4.46
4.61
4.93
5.33
4.
Yeejle mejkeej keer FefkeJeer Mesej Oeeefjlee kee eefleMele
79.15%
80.20%
5.
Jee& kes oewjeve eeHle keer ieF& DeHej efej-II efueKeleeW keer jeefMe
500
1300
6.
Jee& kes oewjeve efej-I Hetbpeer kes He ceW eeHle keer ieF& veJeesvceseer yesefceeeoer $eCe efueKeleeW
(DeeF&Heer[erDeeF&) keer jeefMe
(` kejes[ ceW)
keetDeeF&Heer kes ceeOece mes FefkeJeer MesejeW kee efveie&ce
(` kejes[ ceW)
Mesej Hetbpeer
Mesej eerefceece
efvejbke
efvejbke
efvejbke
efvejbke
7.
(` kejes[ ceW)
GHee&gkele Deebke[esb kee mebkeueve Yeejleere efj]peJe& yeQke kes efoMee-efveoxMe Deewj legueveHe$e ceW Meeefceue nesves Jeeueer keg ceoeW ceW eyebOeleb$e eje efkeS ieS DevegceeveeW
kes DeeOeej Hej efkeee ieee nw Deewj uesKee Hejer#ekeeW ves Fme Hej efJeMJeeme efkeee nw. yeemeue II kes meboYe& ceW eCeeueeriele keefceeeb/Oeeve ceW DeeF&/efjHees& keer
ieF& Deebke[esb keer $egefeeb kesvere keeee&uee mlej Hej erke keer ieF& nQ. DeHeveeF& ieF& JeeHeke keee& eCeeueer kes DeeOeej Hej yeQke kee cele nw efke DemebMeesefOele
keefceeeb, eefo keesF& nQ, lees Gvekee cenllJeHetCe& eYeeJe efjHees& keer ieF& meceie Hetbpeer Heee&Hlelee Hej veneR nesiee.
yeer.
eeJeOeeve SJeb DeekeefmcekeleeSb :

ueeYe SJeb neefve Keeles ceW oMee&S ieS eeJeOeeve SJeb DeekeefmcekeleeDeesb kee efJeJejCe efvecveevegmeej nw :
(` kejes[ ceW )
S.
yeer.
meer.
[er.
F&.
ceeveke DeefieceeW kes efueS eeJeOeeve

SveHeerS kes efueS eeJeOeeve
efveJesMeeW Hej eeJeOeeve / cetueeme (HeefjHekeJe efveJesMe meefnle)
kej/DeemLeefiele kej kes efueS eeJeOeeve (efJeiele JeeeX kes DeefOeke eeJeOeeve
` 112.38 kejes[ kes efjJeme&ue kee ves)
Deve
kegue
64
2011-12
2010-11
53.59
106.14
1374.99
631.79
149.33
154.35
113.30
406.76
590.70
39.94
2281.91
1338.98

meer. (i)
efveJesMe
ceoW
efveJesMeeW kee cetue
i)
efveJesMeeW kee mekeue cetue
S) Yeejle ceW
cetueeme kes efueS eeJeOeeve
ii)
S) Yeejle ceW
iii) efveJesMeeW kee Meg cetue
S) Yeejle ceW
efveJesMeeW Hej cetueeme kes efueS jKes ieS eeJeOeeveeW ceW mebeueve
2)
i)
eejbefYeke Mese
ii)
pees[sb : Jee& kes oewjeve efkeS ieS eeJeOeeve
iii) IeeSb : yes Keeles [eues ieS HeeJeOeeve/HeefleuesKeve HeeJeOeeve
iv) Debeflece Mese
(ii) jsHees uesve-osve
31.3.2012
1)
efJeJejCe
(` kejes[ ceW )
31.3.2011
59577.21
59576.55
0.66
333.94
333.94
0.00
59243.27
59242.61
0.66
58287.08
58286.42
0.66
342.60
342.60
0.00
57944.48
57943.82
0.66
342.60
0.00
8.66
333.94
1445.43
-1102.83
0.00
342.60
Jee& kes oewjeve

Jee& kes oewjeve
Jee& kes oewjeve owefveke
vetvelece yekeeee DeefOekelece yekeeee
Deewmele yekeeee
0.00
5500.00
616.12
0.00
8000.00
269.67
jsHees kes Debleie&le yeseer ieF& eefleYetefleeeb

efjJeme& jsHees kes Debleie&le Kejeroer ieF& eefleYetefleeeb
(iii) iewj-SmeSueDeej efveJesMe Hees&HeesefueDees
iewj-SmeSueDeej efveJesMeeW kee peejerkelee&-Jeej mebkeueve
ke. meb peejerkelee&
(` kejes[ ceW)
ceee&, 2012
kees yekeeee
5500.00
1700.00
31
(` kejes[ ceW)
jeefMe
(1)
i)
ii)
iii)
iv)
v)
vi)
efvepeer
efveJesMe esCeer mes
iewjefveeespeve
kece meercee leke esCeerkele
meercee
eefleYetefleeeb
eefleYetefleeeb
(4)
(5)
(6)
220.88
0.00
0.00
342.06
0.00
0.00
235.43
0.00
0.00
2544.30
25.00
4.80
254.17
0.00
254.17
3120.50
0.00
3184.30
1855.22
0.00
1855.22
888.10
0.00
286.69
0.00
0.00
27.75
93.21
0.00
93.21
283.97
0.00
921.43
6717.34
25.00
3443.27
( 2)
(3)
meeJe&peefveke#es$e kes GHeece
363.91
efJeeere mebmLeeSb
546.39
yeQke
452.93
efvepeer kee@Heexjs
2805.09
Devegebefieeeb/mebegkele Gece
254.17
Deve
4176.84
DeejDeeF&[erSHe/ DeejSe[erSHe/ efme[yeer
1855.22
meerHeer/meer[er/DeeF&yeerHeermeer/SmeDeej
1180.97
cetegDeue Heb[
27.75
Jesvej Hetbpeer
93.21
Mesej (^mer MesejeW meefnle)
1019.69
eesie
8599.33
IeeeW : cetueeme kes efueS eeJeOeeve
117.86
efveJeue eesie
8481.47
6717.34
kee@uece mebKee 4, 5, 6 SJeb 7 kes DeOeerve metefele jeefMeeeb HeejmHeefjke He mes Deueie veneR nQ.
65
25.00
3443.27
iewjmeteerye
eefleYetefleeeb
(7)
2.88
78.96
0.00
75.99
254.17
3449.25
1855.22
1180.97
27.75
93.21
292.10
3861.25
3861.25
(iv) iewj efveHeeoke iewj-SmeSueDeej efveJesMe

(` kejes[ ceW )
(HeefjHekeJe efveJesMeeW meefnle)

eejbefYeke Mese
Jee& kes oewjeve ye{eslejer
Jee& kes oewjeve keceer
Debeflece Mese
Oeeefjle kegue eeJeOeeve
[er. [sefjJesefJpe
(i)
efJeJejCe
31.3.2012
31.3.2011
0.37
3.18
29.31
28.06
13.91
1.93
15.77
29.31
15.77
24.45
Jeeeoe oj kejej / yeepe oj mJewHe

(` kejes[ ceW )
ceoW
i)
ii)
iii)
iv)
v)
31.3.2012
mJewHe kejejeW kee Deevegceeefveke cetueOeve

kejejeW kes Debleie&le eefo eefle Heeefee DeHeveer yeeOeleeSb Hetjer veneR kejleer nw lees Fme meboYe& ceW
nesves Jeeueer neefve.
mJewHe ceW Meeefceue nesves kes efueS yeQke eje Jeebefle mebHeeefe&ke eefleYetefle
mJewHe mes GlHevve $eCe peesefKece kee keWerkejCe
- efJeosMeer yeQke
- Iejsuet yeQke
mJewHe yener kee Gefele cetue
31.3.2011
1046.10
850.00
efvejbke
efvejbke
933.60
737.50
112.50
112.50
(-) 47.45
(-) 53.60
(ii) Mesej yeepeej ceW Kejeroer/yeseer ieF& yeepe oj [sefjJeserJpe :

e.meb
efJeJejCe
i)
Jee& kes oewjeve, Mesej yeepeej ceW Kejeroer/yeseer ieF& yeepe oj [sefjJeserJpe
kes efueS efueee ieee Deevegceeefveke cetueOeve (efueKele-Jeej)
ii) 31ceee&, 2012 kees Mesej yeepeej ceW Kejeroer/yeseer ieF& yeepe oj [sefjJesefJpe keer Deevegceeefveke cetue jeefMe (efueKele-Jeej)
iii) Mesej yeepeej ceW Kejeroer/yeseer ieF& yeepe oj [sefjJesefJpe keer yekeeee Deevegceeefveke cetue jeefMe leLee pees DeleefOeke
eYeeJeer veneR Leer (efueKele-Jeej)
iv) eefleYetefleeeW kes owefveke yeepeej cetue keer yekeeee Mesej yeepeej ceW Kejeroer/yeseer ieF& yeepe oj [sefjJeserJpe leLee pees
DeleefOeke eYeeJeer veneR jneR (efueKele-Jeej)
(` kejes[ ceW )
jeefMe
efvejbke
efvejbke
ueeiet veneR
ueeiet veneR
[sefjJesefJpe ceW peesefKece SkemeHeespej Hej ekeerkejCe

iii)
iegCeelceke ekeerkejCe
Jeeeoe yeepeej ceW yeeeJe JeJemLee / JeeHeej ceW [sefjJesefJe efueKeleeW kes eeesie Hej efveosMeke ceb[ue eje Devegceesefole ^spejer peesefKece eyebOeve veerefle
GHeueyOe nw.
yeQke kes efveJesMe Hees&Heesefueees ceW mLeeeer yeepe oj, Metve ketHeve leLee DemLeeeer yeepe ojeW kes JewefMede Jeeueer Deeefmleeeb Meeefceue nQ Deewj Jen yeepe
oj peesefKece kes DeOeerve nQ. yeQke kes Heeme yeepe oj mJewHe nsleg efej II yee@C[ Yeer nQ, efpeveceW efvekeeme efJekeuHe GHeueyOe veneR nQ. en veerefle Fme
oselee Hej yeepe oj peesefKece kes efueS yeeeJe JeJemLee Yeer Devegcele kejleer nw.
66
Jeeeoe oj kejej, yeepe oj mJewHe, cege -Jeeeos leLee yeepe oj JeeeoeW kee efveJesMe Hees&Heesefueees ceW eeesie yeepe oj peesefKece keer eeflej#ee kes
efueS Deewj yeepeej ye{eves kes efueS Yeer Gvekee GHeeesie efkeee peelee nw.
efveosMeke ceb[ue eje Devegceesefole, peesefKece eyebOeve veerefleeeb leLee ecegKe efveeb$eCe meerceeSb pewmes neefve jesOe meerceeSb, keeGvj Heeea SkemeHeespej
meerceeSb Fleeefo, ceewpeto nQ. Fve peesefKeceeW keer efveiejeveer leLee meceer#ee efveeefcele He mes keer peeleer nw. eyebOe metevee eCeeueer, efjHeesX peexefKece eyebOeve
meefceefle kees DeeJeefOeke He mes emlegle keer peeleer nw.
efJelleere neefve mes yeeeJe keer efmLeefle

-
yeepe oj mJewHe DeeF&DeejSme Hej yeepe Kee&/Deee kes keejCe GHeee kees uesKeeiele efkeee peelee nw leLee Deee/Jee kes He ceW
DeefYeefeefvnle efkeee peelee nw.
eefo mJewHe kees HeefjHekeJelee kes HetJe& meceeHle efkeee peelee nw, lees owefveke SceerSce neefve/ueeYe leLee GHeee kes Ssmes Deebke[esb kee yeepe oj
mJewHe Hej eoe/eeHle yeepe kes lenle Jee/Deee kes He ceW uesKee-peesKee efkeee peelee nw.
JeeHeeefjke efmLeefle
iv)
ScemeerSkeme-Skeme leLee SveSmeF& SJeb etveeFs[ me@ke SkemeeWpe kes efJeefveece efoMeeefveoxMeeW kes Devegmeej, cege Jeeeos leLee yeepe oj
Jeeeos owvebefove DeeOeej Hej yeepeej cetue keer efmLeefle Hej Debefkele efkeS peeles nQ.
ceeefpe&ve Keeles kees owefveke DeeOeej Hej pecee/veeces kejles ngS, SceerSce ueeYe/neefve kee uesKee efkeee peelee nw leLee Gmes yeQke kes ueeYe SJeb
neefve Keeles ceW uesKeeiele efkeee peelee nw.
JeeHeeefjke mJewHe kees Lees[s-Lees[s DeblejeueeW ceW yeepeej cetue keer efmLeefle kes Devegmeej Debefkele efkeee peelee nw. keesF& Yeer SceerSce neefveeeb
uesKeeiele leLee ueeYe, eefo keesF& nw, kee efnmeeye veneR jKee peelee nw.
mJewHe kes Kelce nesves Hej ueeYe DeLeJee neefve kees GHee&gkele Meere& ceW lelkeeue Deee/Jee kes He ceW ope& efkeee peelee nw.
e.
meb.
i)
ii)
(` kejes[ ceW)
efJeJejCe
kejWmeer
[sefjJesefJpe
yeepe oj
[sefjJesefJpe
[sefjJesefJpe (Deevegceeefveke cetue Oeve jeefMe)

S)
yeeeJe JeJemLee kes efueS
efvejbke
821.10
yeer)
JeeHeej kes efueS
efvejbke
225.00
eefleYetefleeeW kes owefveke yeepeej cetue keer efmLeefle (1)

S)
Deeefmle (+)
yeer)
oselee (-)
47.45
iii)
$eCe peesefKece (2)
57.67
iv)
yeepe oj ceW Ske eefleMele kes HeefjJele&ve mes mebYeeJe eYeeJe (100*HeerJeer01)
v)
S)
yeeeJe JeJemLee Hej [sefjJesefJpe
0.23
yeer)
JeeHeej Hej [sefjJesefJpe
0.08
Jee& kes oewjeve vees efkeS ieS DeefOekelece SJeb vetvelece 100*HeerJeer01
S)
yeeeJe JeJemLee Hej
0.28/ 0.20
yeer)
JeeHeej Hej
0.09/ 0.03
67
F&.
Deeefmle iegCeJeee
(i) iewj efveHeeoke Deeefmleeeb
( ` kejes[ ceW)
ceoW
i)
Meg DeefieceeW kee Meg SveHeerS (%)

SveHeerS ceW mebeueve (mekeue)
ii)
S) eejbefYeke Mese
yeer) Jee& kes oewjeve HeefjJeOe&ve
meer) Jee& kes oewjeve keceer
[er) Debeflece Mese
iii)
Meg SveHeerS ceW keceer/ye{esejer
S) eejbefYeke Mese
yeer) Jee& kes oewjeve HeefjJeOe&ve
meer) Jee& kes oewjeve keceer
[er) Debeflece Mese
iv)
Meg SveHeerS nsleg eeJeOeeveeW ceW keceer/ye{esllejer (ceeveke DeeefmleeeW kes eeJeOeeveeW kees es[kej)
S) eejbefYeke Mese
yeer) Jee& kes oewjeve efkeS ieS eeJeOeeve
meer) yes Keeles [eues ieS/eefleuesKeve/DeblejCe
[er) Debeflece Mese
* ` 312.43 kejes[ kes DemLeeeer eeJeOeeve kees es[kej ( efJeiele Jee& ` 312.43 kejes[)
(ii) Hegveie&efle KeeleeW kes efJeJejCe :
meer[erDeej
JeJemLee
31.3.2012
31.3.2011
3.09%
0.65%
2394
2458
6849
1409
1970
1473
7273
2394
847
727
4879
183
1169
63
4557
847
1085
1211
1379
1142
244
1268
2220
1085
( ` kejes[ ceW)
SmeSceF&
$eCe Hegveie&ve
Deve
9
315
GOeejkelee&Deesb keer mebKee
yekeeee jeefMe
1499.26
62.92
DeefOeleeie jeefMe
300.63
2.97
0
13
Hegveie&efle DeJeceeveke Deefiece
yekeeee jeefMe
-1.98
DeefOeleeie jeefMe
-0.10
1
2
Hegveie&efle mebefoiOe Deefiece
yekeeee jeefMe
151.27
0.02
DeefOeleeie jeefMe
--10
330
kegue
yekeeee jeefMe
1650.53
64.92
DeefOeleeie jeefMe
300.63
3.07
` 1.00 kejes[ mes kece keer Mese jeefMe kes KeeleeW kes efueS `DeefOeleeie' jeefMe kegue yekeeee jeefMe kes 5% leke ueer ieF& nw.
3210
Hegveie&efle ceeveke Deefiece
68
10062.24
63.00
592.00
1030.10
0.27
38
0.34
0.02
3840
11092.68
63.29

(yeer) Jee& kes oewjeve, SmeSceF& kes lenle 330 KeeleeW kees Hegveie&ve kes DeOeerve jKee ieee Lee SJeb efoveebke 31 ceee&, 2012 kees yekeeee Mese jeefMe ` 64.92
kejes[ Leer (efHeues Jee& 219 Keeles - jeefMe ` 27.45 kejes[ Leer).
(iii) Deeefmle Hegvemejevee kes efueS eefleYeteflekejCe/Hegveie&efle kecHeveer kees yeseer ieF& efJeeere DeeefmleeeW kee efJeJejCe
(` kejes[ ceW)
ceoW
i)
KeeleeW keer mebKee

Smemeer/Deejmeer kees efyeeerle KeeleeW kee kegue cetue (eeJeOeeve Ieekej)
iii)
kegue eefleHeue
iv)
HetJe& JeeeX ceW Debleefjle KeeleeW kes efueS Deeiele Deefleefjkele eefleHeue
v)
Meg yener cetue Hej kegue ueeYe/neefve
(iv) ee/efJeee keer ieF& iewj-efveHeeoke efJeeere DeeefmleeeW kes efJeJejCe
S. ee keer ieF& iewj-efveHeeoke efJeeere DeeefmleeeW kes efJeJejCe
ii)
efJeJejCe
S Jee& kes oewjeve ee efkeS ieS KeeleeW keer mebKee
yeer kegue yekeeee jeefMe
2
S FveceW mes Jee& kes oewjeve Hegveie&efle KeeleeW keer mebKee
yeer kegue yekeeee
yeer. efyeeer keer ieF& iewj-efveHeeoke efJeeere DeeefmleeeW kes efJeJejCe
1
KeeleeW keer mebKee

2
kegue yekeeee
3
eeHle kegue eefleHeue
(v) ceeveke DeeefmleeeW Hej eeJeOeeve
ceoW
(i)
(ii)
(iii)
(iv)
(v)
(vi)
*
**
***
31.3.2011
54215
62.03
131.49
74.80
295.40
efvejbke
12.77
efvejbke
163.90
31.3.2012
efvejbke
efvejbke
efvejbke
efvejbke
31.3.2012
3
Oeeefjle ceeveke DeeefmleeeW kes efueS eeJeOeeve

SHe. JeeJemeeefeke DevegHeele
31.3.2012
3
ceoW
( ` kejes[ ceW)
31.3.2011
efvejbke
efvejbke
efvejbke
efvejbke
( ` kejes[ ceW)
31.3.2011
54215
70.90
525.59
74.80
295.40
31.3.2012
574.59
( ` kejes[ ceW)
31.3.2011
521.00
ceoW
2011-12
2010-11
keee&Meerue efveefOeeeW kes eefleMele kes He ceW yeepe Deee *
9.22
8.49
keee&Meerue efveefOeeeW kes eefleMele kes He ceW iewj-yeepe Deee *
0.67
0.71
keee&Meerue efveefOeeeW kes eefleMele kes He ceW Heefjeeueve ueeYe *
1.36
1.45
DeeefmleeeW Hej eefleHeue **
0.26
0.70
eefle kece&eejer JeJemeee *** ( pecee + Deefiece ) (` ueeKe ceW)
861.56
835.17
eefle kece&eejer ueeYe (` ueeKe ceW)
1.51
3.96
keee&Meerue efveefOe ceW efJeeere Jee& kes 12 cenerveeW kes oewjeve kegue DeeefmleeeW kee Deewmele (Hegvece&tueebkeve Heejef#ele kees es[kej) Meeefceue nw.
keee&Meerue efveefOeeeW ceW kegue DeeefmleeeW kee Deewmele (Hegvece&tueebkeve Heejef#ele kees es[kej) Meeefceue nw.
peceeDeesb (Deblej-yeQke peceeDeesb kees es[kej) SJeb Deefiece kes Heeef#eke Deewmele kes DeeOeej Hej
69
peer. Deeefmle oselee eyebOeve

Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeevegmeej efJeefJeOe HeefjHekeJelee DeJeefOe mecetn kes Debleie&le efoveebke 31ceee&, 2012 kees kegue Iejsuet peceeDeesb, Iejsuet GOeej,
Iejsuet DeefieceeW SJeb kegue efveJesMe kee HeefjHekeJelee Hewve&
( ` kejes[ ceW)
1 efove
2 efove mes 8 efove mes 15 efove mes 29 efove mes

7 efove 14 efove 28 efove
3 ceen
3 ceen mes
6 ceen mes
1 Jee& mes
3 Jee& mes
DeefOeke Je 6 DeefOeke Je 12 DeefOeke Je 3 DeefOeke Je 5 Jee&
ceen leke ceen leke
Jee& leke
leke
24133.02 46021.45
37196.80
23121.20
6026.25 11340.69
73463.61
18399.57
1506.54
1092.12
10208.04
8995.10
249.24
1093.27
1990.85
342.80
5 Jee& mes
DeefOeke
eesie
kegue Iejsuet peceeSb

401.39 3600.46 2871.74 3667.46 31648.18
22699.48 195361.18
kegue Iejsuet Deefiece 1835.17 849.16 1697.20 2089.01 10953.67
21953.32 148607.66
kegue efveJesMe
12.48 2528.82 189.19 251.65 1216.77
33242.55 59243.26
kegue Iejsuet GOeejer*
2.64
0.00
0.00
0.00
315.16
0.15 3994.11
efJeosMeer cege ceW
497.96
0.00
0.00
62.83
551.72
1539.38
8.50
17.75
2.90
0.00 2681.04
Deeefmleeeb
efJeosMeer cege ceW
179.83
10.89
9.61
15.01
109.26
97.78
235.07
136.83
17.87
0.00
812.15
oseleeSb
vees : - * efej II Hetbpeer ceW meefcceefuele efkeS ieS kes DeueeJee
GHee&gkele Deebke[s Yeejleere efj]peJe& yeQke kes efoMee-efveoxMeeW kes Devegmeej SJeb HeyebOeleb$e kes ecegKe DevegceeveeW kes DeeOeej Hej mebkeefuele efkeS ieS nQ leLee uesKeeHejer#ekeeW eje Fve Hej efJeeeme Jekele efkeee ieee nw.
Se. mebJesoveMeerue #es$e kees GOeejer
(i) mLeeJej mecHeoe #es$e mecyebOeer SkemeHeespej
( ` kejes[ ceW)
esCeer
S)
31.3.2012
31.3.2011
ele#e SkemeHeespej
(i)
yeer)
DeeJeemeere ceeBiexpe DeeJeemeere mecHeefe Hej yebOeke kes eje $eCe Hetjer lejn mes jef#ele nw, DeLee&le ee lees
GOeejkelee& kes keypes ceW nw DeLeJee efkejees Hej nw :
(GHee&gkele ceW Meeefceue Jeefkeleiele DeeJeeme $eCe eeLeefcekelee #es$e ceW Meeefceue kejves kes efueS
Hee$e nw)
(ii) JeeefCeefpeke mLeeJej mebHeoe (iii) cee@iexpe DeeOeeefjle eefleYetefleeeb (SceyeerSme) SJeb Deve eefleYeteflekele SkemeHeespejeW ceW efveJesMe
DeeJeemeere
JeeefCeefpeke mLeeJej mebHeoe.
Deele#e SkemeHeespej
(i)
jeêre DeeJeeme yeQke (SveSeyeer) SJeb DeeJeeme efJee kebHeefveeeW (SeSHemeer) ceW efveefOe
DeeOeeefjle SJeb iewj-efveefOe DeeOeeefjle efveJesMe.
(ii) Deve
eesie
70
6281.61
8128.23
(5237.36)
7940.94
(7361.57)
8384.81
2.29
0.00
3.43
0.00
4381.02
174.46
667.32
167.20
18780.32
17350.99

(ii) Hetbpeer yeepeej SkemeHeespej
( ` kejes[ ceW)
ceoW
i)
FefkeJeer MesejeW, HeefjJele&veere ef[yeWejeW SJeb FefkeJeer GvcegKe cetegDeue Heb[ keer etefveeW ceW ele#e
efveJesMe efpevekeer cetue efveefOe kesJeue kee@Heexjs $eCe ceW efveJesMe veneR keer ieF& nes.
ii)
JeweefkelekeeW kees Mesej/yee@C[/ef[yeWej DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee iewj-eefleYetefle
DeeOeej Hej (DeeF&HeerDees/F&SmeDeesHeer meefnle), HeefjJele&veere ef[yeWejeW SJeb cetegDeue Heb[ keer FefkeJeer
GvcegKe FkeeFeeW ceW efveJesMe nsleg Deefiece.
iii)
efkemeer Yeer Deve eeespeve nsleg Deefiece efpeveceW Mesej DeLeJee HeefjJele&veere yee@C[ DeLeJee HeefjJele&veere
ef[yeWej DeLeJee FefkeJeer GvcegKe cetegDeue Heb[ kes etefveeW kees eeLeefceke eefleYetefle kes He ceW
efueee ieee nw.
(iv) Deve eeespeve kes efueS MesejeW DeLeJee HeefjJele&veere yee@C[ DeLeJee HeefjJele&veere ef[yeWejeW DeLeJee
FefkeJeer GvcegKe cetegDeue Heb[ keer etefveeW keer meercee leke jef#ele Deefiece DeLee&le peneb Hej MesejeW/
HeefjJele&veere yee@C[/HeefjJele&veere ef[yeWejeW/FefkeJeer GvcegKe cetegDeue Heb[ keer etefve DeefieceeW kees
Hetjer lejn jef#ele veneR kejleer nQ.
(v)
me@ke-yeeskejeW kees eefleYetle leLee DeeefleYetle Deefiece leLee me@ke-yeeskejeW SJeb ieewCe yeepeej kes
ecegKe keer Deesj mes peejer ieejbefeeb.
vi)
kee@Heexjs kees MesejeW/yee@C[eW/ef[yeWejeW DeLeJee Deve eefleYetefleeeW kes mece#e DeLeJee yespeceeveleer
DeeOeej Hej eJele&keeW kes YeeJeer mebmeeOeveeW keer eleeMee kes lenle Gvekes FefkeJeer DebMeoeve kees Hetje
kejves kes efueS mJeerkele $eCe
vii)
FefkeJeer eJeen/efveie&ce keer eleeMee kes mece#e kebHeefveeeW kees Hetjke efJee.
viii)
MesejeW kes eeLeefceke efveie&ce DeLeJee HeefjJele&veere yee@C[eW DeLeJee HeefjJele&veere ef[yeWejeW DeLeJee FefkeJeer
GvcegKe cetegDeue Heb[eW keer etefveeW kes mecyebOe ceW yeQkeeW eje efueS ieS neceeroejer Jeeeos.
ix)
me@ke-yeeskejeW kees ceeefpe&ve ^sef[bie kes efueS efJeeHeeseCe
x)
Jesvej Hetbpeer Heb[ ( Hebpeerkele leLee DeHebpeerkele oesveeW ) mecyebefOele meYeer efveJesMe, FefkeJeer kes meeLe
mececetue Hej ceeves peeSbies, Dele: Fmekee Hetbpeer yeepeej efveJesMe keer Gelece meercee (Deele#e SJeb
Deele#e oesveeW) kes meeLe DevegHeeueve nsleg ieCevee ceW efueee peeSiee.
Hetbpeer yeepeej kee kegue SkemeHeespej
(iii) peesefKece esCeerJeej osMeere efveJesMe:
31.3.2012
31.3.2011
882.00
773.65
6.18
6.87
1016.44
1286.98
133.38
119.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
128.52
121.41
2166.52
2307.91
(` kejes[ ceW)
peesefKece esCeer
efoveebke 31ceee&, 2012 efoveebke 31ceee&, 2012 efoveebke 31 ceee&, 2011 efoveebke 31 ceee&, 2011
kees SkemeHeespej (Meg)
kees Oeeefjle eeJeOeeve
kees SkemeHeespej (Meg)
kees Oeeefjle eeJeOeeve
962.01
efvejbke
1541.24
efvejbke
Deeeespe
518.59
efvejbke
479.61
efvejbke
efvecve
ceOece
130.84
efvejbke
250.12
efvejbke
6.96
efvejbke
6.93
efvejbke
Ge
DeleefOeke
55.57
efvejbke
38.36
efvejbke
0.19
efvejbke
0.31
efvejbke
meerefcele
$eCeslej
0.00
efvejbke
0.00
efvejbke
eesie
1674.16
2316.57
etbefke Jee& nsleg yeQke kee efveJeue efveefOe efveJesMe, efJeosMeer efJeefvecee uesveosve kes mecyebOe ceW yeQke keer kegue DeeefmleeeW kes 1% mes kece nw, Dele: eeJeOeeve DeeJeMeke
veneR nw.
71
(iv) $eCe peesefKece kee efJeJejCe, peneb Jee& kes oewjeve yeQke ves efJeJeskeHetCe& ceeveob[eW mes DeefOeke efveJesMe efkeee nw leLee efpemekes efueS yees[& kee
DeeJeMeke Devegceesove eeHle efkeee ieee.
e.
me.
1.
2.
GOeejkelee& kee veece
DeeF&SHemeerDeeF& efue.
Se[erSHemeer efue.
(` kejes[ ceW)
efoveebke 31.3.2012 efoveebke 31.03.2012 efoveebke
efoveebke yeQke keer Hetbpeer
31.03.12 31.03.12 efveefOe kee @
kees $eCe SkemeHeespej
kees yekeeee
15% Hej
efveefOe
iewj efveefOe
efveefOe
iewj efveefOe kees efveJesMe kees kegue
Devegcele
Ske
m
eHees
p
ej
DeeOeeefjle DeeOeeefjle DeeOeeefjle DeeOeeefjle
1950.00
- 1925.12
216.79
2141.91
2036.62
2012.22
- 2012.22
32.04
2044.26
2036.62
(v) $eCe SJeb DeefieceeW kee efJeJejCe, peesefke Decetle& DeeefmleeeW pewmes DeefOekeej, ueeFmeWme, DeefOeeceeCeve Deeefo eje jef#ele nw, pees Devegmeteer - 9
ceW Dejef#ele kes He ceW oMee&S ieS nQ
` 291.52 kejes[ kes $eCe (iele Jee& ` 231.22 kejes[), efpevekee eYeej Decetle& eefleYetefleeeW pewmes DeefOekeej, ueeFmeWme, DeefOeeceeCeve Fleeefo Hej nw,
GvnW Dejef#ele ceevee ieee nw.
(vi) Jee& kes Deble Hej sueerkee@ce kebHeefveeeW kes $eCe SkemeHeespej ceW yekeeee Mese ` 2038.15 kejes[ nw SJeb eyebOeleb$e kes celeevegmeej, FvnW Jemetueer eesie Deer
esCeer ceW ceevee ieee nw. 2peer ueeemeWme kes DeefOeienCe Hej keesF& $eCe SkemeHeespej veneR nw. Fmekes Deefleefjkele Jee& kes Deble ceW sueerkee@ce kebHeefveeeW ceW Mesej,
yee@C[dme, ef[yesvej Fleeefo mJeHe ceW yeQke kee kegue efveJesMe ` 1355.51 kejes[ nw.
(vii) Jee& kes oewjeve Deee kej nsleg eeJeOeeve keer ieF& jeefMe :
efJeJejCe
Deee kej/DeemLeefiele kej nsleg eeJeOeeve ( ` 112.38 kejes[ kes DeefOeke eeJeOeeve kes efjJeme&ue kee ves )
2011-12
113.30
(` kejes[ ceW)
2010-11
406.75
yeQke kee eeJeOeeve keJejspe DevegHeele (HeermeerDeej) 40.62% nw.

9.
Yeejleere efjpeJe& yeQke eje ueieeS ieS oC[eW kee ekeerkejCe

Yeejleere efjpeJe& yeQke ves yeQefkebie efJeefveeceve DeefOeefveece, 1949 keer 46(4) Oeeje kes Debleie&le keesF& Yeer oC[ veneR ueieeee nw.
10.
peceeSb, Deefiece, SkemeHeespej SJeb SveHeerS kes mebkesvCe mes meyebefOele ekeerkejCe :
10.1
peceeDeesb kee mebkesverkejCe

(S) yeerme ye[s peceekelee&Deesb keer kegue peceejeefMeeeb
(yeer) yeerme ye[s peceekelee&Deesb keer peceejeefMe kee yeQke keer kegue pecee ceW eefleMele
10.2
DeefieceeW kee mebkesverkejCe

(S) yeerme ye[s GOeejkelee&Deesb kee kegue Deefiece
(yeer) yeerme ye[s GOeejkelee&Deesb kes kegue Deefiece kee yeQke kes kegue Deefiece ceW eefleMele
10.3
31551.92
20.85
SkemeHeespej kee mebkesverkejCe

(S) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kee kegue SkemeHeespej
(yeer) yeerme ye[s GOeejkelee&Deesb/ieenkeeW kes kegue SkemeHeespej kee yeQke kes kegue SkemeHeespej ceW eefleMele
10.4
(` kejes[ ceW)
21569.23
10.96
33804.89
16.11
SveHeerS kee mebkesverkejCe

(S) Meere& eej SveHeerS KeeleeW kee kegue SkemeHeespej
1457.78
72

II.
#es$eJeej SveHeerS
ke.meb
1
2
3
4
III.
#es$e
Fme#es$e kes kegue DeefieceeW ceW SveHeerS kee eefleMele

5.59
8.86
13.97
8.30
keefe SJeb mebye ieefleefJeefOeeeb

Geesie (met#ce SJeb ueIeg, ceOece SJeb ye[s)
mesJeeSb
Jeefkeleiele $eCe
SveHeerS ceW mebeueve

(` kejes[ ceW)
mekeue SveHeerS kee eejbefYeke Mese
Jee& kes oewjeve ye{eslejer
GHe-eesie (S)
IeeSb:(i) DeHeies[sMeve
(ii) Jemetueer
(iii) yes Keeles [eueer ieF& jeefMe
(iv) etDeejDeeF& ceW Deblej
mekeue SveHeerS
IV.
efJeJejCe
31.03.2012
2394
1409
3867
163
754
736
226
554
1970
20
1473
7273
2394
DeesJejmeerpe Deeefmleeeb, SveHeerS leLee Deee

jeefMe ( ` kejes[ ceW)
efvejbke
efvejbke
efvejbke
legueve-He$e yeene eeeesefpele SmeHeerJeer (efpevnW uesKeebkeve ceeveob[eW kes DevegHe mecesefkele kejvee pejer nw.)
osMeere
efvejbke
11
6849
9243
587
403
efJeJejCe
kegue Deeefmleeeb
kegue SveHeerS
kegue Deee
V.
31.03.2011
2458
Heeeesefpele SmeHeerJeer kee veece
efJeosMeer
efvejbke
Deve ekeerkejCe
11. S
Jele&ceeve Je<e& kes oewjeve yeQkeeMegjwvme JeJemeee kes mebyebOe ceW Meguke/HeefjueefyOeeeb efvecveevegmeej jneR:
(` kejes[ ceW)
2011-12
Hee@efueefmeeeW keer mebKee

peerJeve
iewj peerJeve
eesie
2010-11
jeefMe
Hee@efueefmeeeW keer mebKee
jeefMe
127540
13.53
74422
10.59
164181
6.30
128527
5.14
19.83
73
15.73
12.
efo Fbefmet Dee@@He ee&[& DekeeGbWme Dee@@He Fbef[ee kes eje peejer uesKee ceevekeeW kes meboYe& ceW efvecveefueefKele metevee eoefMe&le keer ieF& nw:
S) uesKeebkeve ceeveke - 9
cetue uesKeekejCe veerefle e 8 kes Devegmeej Deee keer keg ceoeW keer Heneeve Jemetueer kes DeeOeej Hej keer peeSieer. leLeeefHe keefLele Deee kees GuuesKeveere veneR
ceevee ieee nw.
yeer) uesKeebkeve ceeveke - 15 (mebMeesefOele)
iele Jee& ceW, Yeejleere efjpeJe& yeQke kes HeefjHe$e meb [eryeerDees[er meb yeerHeer:yeermeer:80/21.04.018/2010-11 efoveebke 09.02.2011 kes Devegmeej yeQke ves
Gve Jele&ceeve kece&eeefjeeW, efpevneWves HetJe& ceW HeWMeve kee efJekeuHe veneR efueee Lee, GvnW Hegve: HeWMeve kee efJekeuHe osves SJeb ieseger ceW DeefYeJeef mes GlHevve
Deefleefjkele oselee kees 31.03.2011 kees meceeHle Jee& mes 5 meeue keer DeJeefOe ceW HeefjMeesOeve kejves kee yeQke ves efJekeuHe egvee nw. leovegmeej, 01.04.2011
kees DeHeefjMeesefOele jeefMe ` 1181.53 kejes][ HeWMeve keer DevegHeeefleke jeefMe ` 239.98 kejes][ SJeb ieseger kes efueS DevegHeeefleke jeefMe ` 55.40 kejes][
efoveebke 31.03.2012 kees meceeHle Jee& kes oewjeve HeefjMeesefOele keer nw. Mese HeWMeve SJeb ieseger kes efueS YeefJee ceW HeefjMeesefOele keer peeves Jeeueer eceMe:
` 719.95 kejes][ SJeb ` 166.20 kejes][ nw. eefo Gkele uesKeekejCe kees Yeejleere efjpeJe& yeQke eje Devegceesefole ve efkeee peelee lees SSme-15 keer
DeHes#eeDeesb kees ueeiet kejves kes keejCe yeQke kee ueeYe ` 886.15 kejes][ Deewj kece nes peelee.
kece&eejer ueeYe :
yeerceebefkeke cetueebkeveeW kes DeeOeej Hej HeWMeve SJeb ieseger ueeYeeLe& megHeefjYeeefele ueeYe oeefelJeeW kee Jele&ceeve cetue kee eejbefYeke SJeb Debeflece Mese kee efceueeve
veeres efoee ieee nw :
(` kejes[ ceW)
efJeJejCe
efoveebke 31 ceee&, 2012 kees megmHe< ueeYeeLe& DeefveJeee&lee oselee
eejbefYeke oeefelJe
mesJee ueeiele
yeepe ueeiele
yeerceebefkeke [ueeYe]/neefve
eolle ueeYe
iele mesJee ueeiele (HeefjMeesefOele/ De-efveefnle)
iele mesJee ueeiele (efveefnle ueeYe)
oselee DeblejCe
efoveebke 31 ceee&, 2012 kees oeefelJe
efJeJejCe
efoveebke 31 ceee&, 2012 kees Gefele cetue Hej eespevee Deeefmleeeb
Gefele cetue Hej eejbefYeke eespevee Deeefmleeeb
eespevee DeeefmleeeW Hej DeHesef#ele eefleHeue
DebMeoeve
eolle ueeYe
Deve veeme mes DeblejCe
efoveebke 31 ceee&, 2012 kees Gefele cetue Hej eespevee Deeefmleeeb
74
efoveebke 31 ceee&, 2012 kees efoveebke 31 ceee&, 2011 kees

meceeHle Jee&
meceeHle Jee&
HeWMeve
iesegFer
HeWMeve
iesegFer
5997.12
1047.34
2856.49
751.89
125.72
39.70
70.54
40.78
498.13
83.24
222.98
58.39
441.59
(63.58)
335.48
44.95
(525.00)
(215.48)
(279.44)
(125.67)
1199.91
277.00
569.62
-1021.54
-6537.56
891.22
5997.12
1047.34
(` kejes[ ceW)
efoveebke 31 ceee&, 2012 kees
meceeHle Jee&
HeWMeve
iesegFer

meceeHle Jee&
HeWMeve
iesegFer
4228.00
832.89
2269.03
808.40
413.53
72.41
(14.29)
180.00
(215.48)
855.53
257.54
(130.67)
1090.00
(279.44)
1021.54
4228.00
65.25
29.25
1203.61
(525.00)
5349.39
14.91
70.00
(125.67)
-832.89

(` kejes[ ceW)
efJeJejCe

meceeHle Jee&
HeWMeve

meceeHle Jee&
iesegFer
HeWMeve
iesegFer
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS ueeiele

mesJee ueeiele
125.72
39.70
70.54
40.78
yeepe ueeiele
498.13
83.24
222.98
58.39
(413.53)
(72.41)
(257.54)
(65.25)
240.00
55.40
239.98
55.40
569.62
--
412.34
(49.29)
466.15
30.04
862.66
56.64
1311.73
119.36

iele mesJee ueeiele (HeefjMeesefOele/ De-efveefnle)
iele mesJee ueeiele (efveefnle ueeYe)
Meg ueeiele
HetJe&OeejCeeSb:
efJeJejCe

meceeHle Jee&

meceeHle Jee&
HeWMeve
iesegFer
HeWMeve
iesegFer
yeepe oj
8%
8%
8%
8%
Jesleve Jeef oj
4%
4%
4%
4%
8%
8%
8%
8%
eespevee DeeefmleeeW Hej eefleHeue keer Devegceeefvele oj
yeer) uesKeebkeve ceeveke 17 - Keb[Jeej efjHeesef&bie
i)
Yeejleere efj]peJe& yeQke kes mebMeesefOele efoMeeefveoxMeeW kes Devegmeej, yeQke ves eeLeefceke efjHeesef&bie #es$e kes He ceW ^spejer Heefjeeueve, kee@Heexjs/Leeske yeQefkebie,
efjsue yeQefkebie leLee Deve yeQefkebie JeJemeee kee efveOee&jCe efkeee nw. efleereke efjHeesef&bie #es$e kes efueS keesF& JeJemLee veneR nw.
75
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS Keb[Jeej efjHees&
ece
efJeJejCe
meb.
S. Keb[Jeej Deee
1. ^spejer Heefjeeueve
2. efjsue yeQefkebie Heefjeeueve
3. Leeske yeQefkebie Heefjeeueve
4. Deve yeQefkebie Heefjeeueve
5. iewj Deeyebefle
kegue
yeer. Keb[Jeej HeefjCeece
kegue
meer. iewj -Deeyebefle Deee / (Jee )
[er. Heefjeeueve ueeYe
F&. eeJeOeeve SJeb DeekeefmcekeleeSb
SHe. Deee kej
peer. Meg ueeYe
Se. Deve peevekeejer
Deee Keb[Jeej Deeefmleeeb
5. iewj-Deeyebefle Deeefmleeeb
kegue
pes Keb[Jeej oseleeSb
5. iewj-Deeyebefle oseleeSb
kegue
ii)
iii)
(` ueeKe ceW )
efoveebke 31.03.12 kees meceeHle Jee& efoveebke 31.03.11 kees meceeHle Jee&
(uesKee Hejeref#ele)
(uesKee Hejeref#ele)
496407
264456
465064
538922
1088778
828553
4233
16630
2054482
1648561
265687
160895
3463
32164
8108
49450
277258
242509
4233
16630
281491
259139
216857
93222
11330
40676
53304
125241
2674274
2534145
5764848
5239956
14307743
12973308
233110
228323
22979975
20975732
7373961
3305900
4101742
4766574
10180090
11801287
1324182
1101971
22979975
20975732
^spejer HeefjeeueveeW ceW mejkeejer leLee Deve eefleYetefleeeW, cege yeepeej Heefjeeueve leLee Hee@jskeme Heefjeeueve Meeefceue nQ.
efjsue yeQefkebie#es$e ceW ` 5 kejes[ (efveefOe DeeOeeefjle leLee iewj-efveefOe DeeOeeefjle efveJesMe meefnle) keer meercee leke kes meYeer efveJesMe Meeefceue nQ, en
DeefYecegKeleeSb, GlHeeo, iesvegueefjer ceeveob[ leLee Jeweefkeleke efveJesMe kes DeOeerve nw.
76
iv)
kee@Heexjs/^meW kes meYeer $eCeeW kee meceie KeC[/Yeeieeroej Hece&, kecHeefveeeW leLee meebefJeefOeke efvekeeeeW kes Jes meYeer Deefiece Meeefceue nQ, pees efke
efjsue yeQefkebie kes lenle Meeefceue veneR efkeS ieS nQ.
iv)
Deve yeQefkebie #es$e ceW Jes meYeer Deve yeQefkebie Heefjeeueve Meeefceue nQ, pees GHee&gkele leerveeW esefCeeeW ceW Meeefceue veneR nQ.
v)
meeceeve yeQefkeie Heefjeeueve ecegKe mebmeeOeve mebienCe FkeeF& nw leLee ^spejer Keb[, eegkele Deewmele efveefOeeeW kees ieCevee ceW uesles ngS GOeej oer ieF&
efveefOeeeW kes efueS Hetjke kee keee& kejlee nw.
vii)
ueeiele kee Deeyebve :

S
Ske efJeefMe Keb[ mes mebyebefOele Keex meerOes Gme Keb[ kees Deeyebefle efkeS peeles nQ.
yeer Ske efJeefMe Keb[ mes meerOes mecyebOe ve jKeves Jeeues KeeeX kees efveeesefpele efveefOeeeW ceW meceevegHeele He ceW Deeyebefle efkeee peelee nw.
meer) uesKee ceeveke 18 kes Devegmeej mebye Heeea ekeerkejCe - mebye Heeea
1
mebye Heeef&eeW keer meteer:
(S) ecegKe eyebOekeere HeoeefOekeejer
veece
Heoveece
eer Sme.eerOej (31.05.2011 leke )

ii)
eer ceesnve.Jeer.ebkemeeues (29.06.2011 mes )
iii)
eerceleer Jeer.Deej.Deej
iv)
eer Deej.kes.ogyes
(yeer) Devegebefieeeb
i)
mesv yeQke nesce HeeFveWme efueefces[.
ii) mesv yeQke HeeFvewefvMeeue SC[ kemesef[eue meefJe&mesme efueefces[.
(meer) DemeesefMeSdme (I) #es$eere ieeceerCe yeQke i)
meleHeg[e vece&oe #es$eere ieeceerCe yeQke, efboJee[e
ii)
mejiegpee #es$eere ieeceerCe yeQke, DeefcyekeeHegj
iii) Gej efyenej ieeceerCe yeQke, cegpeHeHejHegj
iv) efJeoYe& #es$eere ieeceerCe yeQke, Dekeesuee
v)
yeefueee FeJee ieeceerCe yeQke, yeefueee
vi) ne[esleer #es$eere ieeceerCe yeQke, keese
vii) Gejyebie #es$eere ieeceerCe yeQke, kete efyenej
(II) Fb[es - peeefcyeee yeQke efueefces[.
mebye Heeef&eeW kes meeLe uesve-osve:
i)
2.
(S)
ceo
(` ueeKe ceW)
ecegKe eyebOekeere HeoeefOekeejer

2011 -12
2010-11
66.50
58.14
eoe Heeefjeefceke
77
(yeer) mebye Heeef&eeW kes uesve-osve kee efJeJejCe

(` kejes[ ceW)
ece
mebKee
mebye Heeef&eeb
efvecve
efoveebke kees
meleHeg[e vece&oe #es$eere ieeceerCe yeQke
31.03.12
34.64
34.64
0.00
0.00
0.00
0.00
0.00
0.00
380.00
7.40
380.00
8.51
31.03.11
27.64
27.64
0.00
6.63
0.00
6.63 200.23
5.67
150.00
0.00
150.00
0.00
31.03.12
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
80.00
2.22
80.00
2.55
31.03.11
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
45.00
0.00
45.00
0.00
31.03.12
159.09
159.09
0.00
0.00
0.00
0.00
-0.04
2.62
1160.00
41.92 1160.00
48.21
31.03.11
159.09
159.09
0.00 13.44
0.00
0.00 326.11
2.74
850.00
0.00
850.00
0.00
31.03.12
6.22
6.22
50.29
2.07
130.00
4.93
130.00
5.67
31.03.11
6.22
6.22
50.00
0.10
100.00
0.00
100.00
0.00
31.03.12
11.72
11.72
110
5.42
110
6.24
31.03.11
11.72
11.72
0.00
110.00
0.00
110.00
0.00
31.03.12
2.45
2.45
185.00
7.89
185.00
9.07
31.03.11
2.45
2.45
0.00
0.00
0.00
0.00
160.00
0.00
160.00
0.00
31.03.12
20.58
20.57
35
1.23
35
1.42
31.03.11
20.58
20.58
0.00
0.00
0.00
0.00
0.00
0.00
25.00
0.00
25.00
0.00
31.03.12
237.27
237.27
50.29
4.69
2080
71.01
2080
81.67
31.03.11
230.27
230.27
0.00 20.07
0.00
0.00 576.34
8.51
1440.00
0.00 1440.00
0.00
mejiegpee #es$eere ieeceerCe yeQke

Gej efyenej ieeceerCe yeQke,
efJeoYe& #es$eere ieeceerCe yeQke
yeefueee-FeJee ieeceerCe yeQke
ne[esleer #es$eere ieeceerCe yeQke
Gejyebie #es$eere ieeceerCe yeQke
kegue
(meer) uesKeebkeve ceeveke
20
efveJesMe
$eCe DeeefmleeeW $eCe DeeefmleeeW keer #es.iee.yeQ.kees $eCe

DeeF&yeerHeermeer kes Debleie&le menYeeefielee
keer Kejero
efyeeer
JeJemLee
mebeeer Jee& kes yekeeee eeHle efyeeer eoe jeefMe eoe eJele&ke yeQke kees ele#e eJele&ke yeQke mes iewjoewjeve jeefMe yeepe jeefMe yeepe
yeepe keefe DeeefmleeeW keer efyeeer eeLeefcekelee#es$e ee
DeefOekelece
yekeeee jeefMe eJele&ke yekeeee eJele&ke yeQke
yeQke kees jeefMe mes eeHle
eoe yeepe
yeepe
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
- eefle Mesej Deee
uesKeebkeve ceeveke 20 kes Devegmeej, eefle Mesej Deee efvecveevegmeej ngF& nw:
31.3.2012
FefkeJeer Mesej Oeejke kes efueS kej kes yeeo GHeueyOe Meg ueeYe (` kejes[ ceW)
31.3.2011
383.59
1118.90
644194814
404141460
eefle Mesej cetue Deee (` )
5.95
22.04*
eefle Mesej keer [eFuets[ Deee (` )
5.95
22.04*
10.00
10.00
Yeeefjle Deewmele FefkeJeer Mesej (mebKee)
eefle Mesej veececee$e Deee (` )

* Deewue 2011 ceW
jeF FMet kes FefkeJeer MesejeW kes keejCe uesKeebkeve ceeveke 20 kees HegvemLee&efHele efkeee ieee nw.
78

([er) uesKeebkeve ceeveke 22 - Deee Hej kej kee uesKeebkeve
yeQke ves DeemLeefiele kej Deeefmleeeb/oseleeSb ceeve keer nQ.
DeemLeefiele kej Deeefmleeeb SJeb DeemLeefiele kej oseleeDeesb kes ecegKe Ieke efvecveevegmeej nQ:
( ` kejes[ ceW)
DeemLeefiele kej Deeefmleeeb :
DeJekeeMe vekeoerkejCe kes efueS eeJeOeeve
HeWMeve SJeb iesegFer kes efueS eeJeOeeve
Deve
Deeue DeeefmleeeW Hej cetue eme
eesie (S):
DeemLeefiele kej oseleeSb :

Deeue DeeefmleeeW Hej cetue eme
GHeefele yeepe Hejbleg efveJesMe Hej eeHe veneR
efveJesMeeW Hej cetue eme
eesie (yeer):
Meg DeemLeefiele kej oselee

(F&) uesKeebkeve ceeveke 28 - DeeefmleeeW keer neefve
31.3.2012
31.3.2011
84.36
71.76
145.28
301.53
23.71
---
6.24
259.59
373.29
--
19.80
411.28
353.41
303.33
146.38
714.61
455.02
519.59
146.30
yeQke keer DeeefmleeeW kee Ske ye[e Yeeie Jes efJeeere Deeefmleeeb nw, efpevnW DeeefmleeeW Hej neefve kee uesKeebkeve ceeveke - 28 ueeiet veneR nw. eyebOeleb$e kes cele ceW, efoveebke
31 ceee&, 2012 kees efJeeere DeeefmleeeW kes DeueeJee Deve DeeefmleeeW Hej keesF& ye[er neefve Heefjueef#ele veneR ngF& nw. efpemes ceeve kejves keer DeeJeMekelee nw.
(SHe) eeJeOeeveeW, Deekeefmceke oseleeDeesb SJeb Deekeefmceke DeeefmleeeW Hej - uesKeebkeve ceeveke 29
i)
eeJeOeeve ceW mebeueve :
(` kejes[ ceW)
efJeJejCe
ii)
GOeej kes He ceW Heneeve ve efkeS ieS

oeJeeW kes efJe Deekeefmceke eeJeOeeve
Deefleefjkele ekeerkejCe
efoveebke 01.04.2011 Jee& kes oewjeve efkeS

kees eejbefYeke Mes<e
ieS eeJeOeeve
3.83
eleeJeefle&le/
meceeeesefpele eeJeOeeve
0.07
efoveebke
31.03.2012 kees
Debeflece Mese
--
3.90
(` kejes[ ceW)
efveJesMe Hej eeJeOeeve/cetueeme
SveHeerS nsleg eeJeOeeve
ceeveke Deeefmle nsleg eeJeOeeve
kej nsleg efkeS ieS eeJeOeeve ( iele Jee& kes DeefOeke eeJeOeeve ` 112.38 kejes[ kes efjJeme&ue kee ves)
Deve eeJeOeeve SJeb DeekeefmcekeleeSb
eesie
79
31.3.2012
31.3.2011
149
154
1375
632
54
106
113
407
591
40
2282
1339
iii)
DeefmLej eeJeOeeve
(` kejes[ ceW )
efJeJejCe
S
yeer
meer
[er
iv)
13
31.3.2012
DeefmLej eeJeOeeve Keeles ceW eejbefYeke Mese

uesKee Jee& ceW efkeS ieS DeefmLej eeJeOeeveeW keer jeefMe
uesKee Jee& kes oewjeve DeenjCe eje keceer keer ieF& jeefMe
DeefmLej eeJeOeeve Keeles ceW Debeflece Mese
312.43
---
---
312.43
312.43
(` kejes[ ceW)
Deve efJeefOeke ceeceues
31.3.2012
31.3.2011
3.83
3.83
0.07
3.90
3.83
ueeiet veneR
ueeiet veneR
efMekeeeleeW keer mebKee
31.03.2012
31.03.2011
ieenkeeW keer efMekeeeleW

Jee& kes eejbYe ceW ueefcyele
Jee& kes oewjeve eeHle
Jee& kes oewjeve efveJeejCe
Jee& kes Deble ceW ueefcyele
yeQefkebie ueeskeHeeue eje efoS ieS DeefOeefveCe&e
514
596
5793
12745
6073
12827
234
514
mebKee
S)
Jee& keer MegDeele ceW ueeiet ve efkeS ieS DeefOeefveCe&eeW keer mebKee
yeer) Jee& kes oewjeve yeQefkebie ueeskeHeeue eje efoS ieS DeefOeefveCe&eeW keer mebKee
meer) Jee& kes oewjeve ueeiet DeefOeefveCe&eeW keer mebKee
[er) Jee& kes Deble ceW ueeiet ve efkeS ieS DeefOeefveCe&eeW keer mebKee
eyebOeleb$e eje mecesefkele SJeb uesKee Hejer#ekeeW eje efJeeeme efkeS ieS Devegmeej
efveJesMekeeW keer efMekeeeleW
S)
yeer)
meer)
[er)
312.43
oseleeDeesb nsleg eeJeOeeve ceW keceer/ye{esejer :
eejbefYeke Mese
DeJeefOe kes oewjeve eegkele jeefMe
Debeflece Mese
HeefjCeeceer DeeGHeuees kee mecee
efMekeeeleeW kee efJeJejCe
S)
yeer)
meer)
[er)
31.3.2011
Jee& kes eejbYe ceW ueefcyele

Jee& kes oewjeve eeHle
Jee& kes oewjeve efveJeejCe
Jee& kes Deble ceW ueefcyele
80
31.03.2012
2
31.03.2011
2
efMekeeeleeW keer mebKee

31.03.2012
31.03.2011
0
326
425
326
425

14
efoveebke 31.03.2012 kees peejer efkeS ieS egkeewleer Deeeemeve He$e SJeb yekeeee kee efJeJejCe
kegue mebKee
yekeeee jeefMe (` kejes[ ceW)

1669.24
409
GHee&gkele GuuesefKele egkeewleer Deeeemeve He$e, mJeerkele JeeHeej meeKe meercee kes lenle peejer efkeS ieS nQ
15. eyebOeleb$e eje mebkeefuele metevee kes Devegmeej JeW[me&, efpevekeer mesJeeSb yeQke eje GHeeesie ceW ueer ieF&b SJeb efpevemes Kejero keer ieF& nw, Jes Jeef, ueIeg SJeb ceOece Gece
efJekeeme DeefOeefveece, 2006 kes lenle Hebpeerkele veneR nQ. Fme Hej uesKeeHejer#ekeeW eje efJeeeme efkeee ieee nw.
16. peneb keneR Yeer DeeJeMeke mecePee ieee nw Jeneb Hej efHeues Jee& kes Deebke[esb kees Hegveme&cetefnle/Hegve:Jeieeakele efkeee ieee nw, efpememes efke Jele&ceeve Jee& kes JeieeakejCe mes
meceHeCe nes mekes.
Deeueeske b[ve
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
efveosMeke
iegceeve efmebn
Sve.yeeueekeCeve
ye=peueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
(meerS yeer. DeCee)
Yeeieeroej
meomelee meb 216454
meveoer uesKeekeej
Yeeieeroej
meomelee meb.038934

mLeeve : cegbyeF&

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej
meomelee meb.083899
81
efoveebke 31 ceee&, 2012 kees meceeHle Je<e& kes efueS vekeo HeJeen efJeJejCe
e.
S
I
II
yeer
meer
efJeJejCe
Heefjeeueve ieefleefJeefOeeeW mes vekeo eJeen
kej mes HetJe& Meg ueeYe
efvecve kes efueS meceeeespeve :
Deeue DeeefmleeeW Hej cetueeme
efveJesMe Hej cetueeme (HeefjHekeJe ef[yeWeme& meefnle)
yes Keeles ieS DeMeesOe $eCe/Devepe&ke DeeefmleeeW kes mecyebOe ceW eeJeOeeve
Hegveie&efle ceeveke DeeefmleeeW kes efueS eeJeOeeve
Deve ceoeW kes efueS eeJeOeeve (Meg)
Deeue DeeefmleeeW keer efyeeer mes ueeYe/neefve (Meg)
ieewCe $eCeeW kes yeepe kee Yegieleeve/eeJeOeeve (Deueie mes ceevee peeS )
Deeekej Oeve JeeHemeer Hej yeepe
DevegebefieeeW/Deve mes eeHle ueeYeebMe (Deueie mes ceevee peeS)
GHe-eesie
peceejeefMeeeW ceW Jeef/(keceer)
GOeeefjeeW ceW Jeef/(keceer)
Deve oseleeDeesb SJeb eeJeOeeve ceW Jeef/(keceer)
Deefiece ceW (Jeef)/keceer
efveJesMe ceW (Jeef)/keceer
Deve DeeefmleeeW ceW (Jeef)/keceer
ele#e kejeW kee Yegieleeve (Meg Oeve JeeHemeer Deeefo)
Heefjeeueve ieefleefJeefOeeeW mes Meg vekeoer (S)
efveJesMe ieefleefJeefOeeeW mes vekeo eJeen
Deeue DeeefmleeeW kee efveHeeve/efJeee
Deeue DeeefmleeeW kee ee
DevegebefieeeW SJeb DemeesefMeSdme mes ueeYeebMe Deeefo kes He ceW eeHle Deee
efveJesMe mes mebyebefOele JeJemeee ceW HeefjJele&ve (Devegebefieeeb SJeb Deve)
efveJesMe ieefleefJeefOeeeW mes Meg vekeo eJeen
efJelleere ieefleefJeefOeeeW mes vekeo eJeen
Mesej Hetbpeer /DeeJesove jeefMe
ieewCe $eCe efej II Hetbpeer mes eefleoeve / HeeefHleeeb
eolle ueeYeebMe (HetJe& Jee& kes Debeflece ueeYeebMe meefnle)
82
(` kejes[ ceW)
31- 03- 2012
31-03-2011
646.37
1,627.18
143.54
118.69
153.72
150.98
1,374.98
631.79
640.91
106.14
(1.05)
43.31
(0.41)
(0.11)
522.54
470.99
43.00
(2.35)
(1.55)
3,521.25
3,147.41
16,817.31
17,248.54
(468.38)
4,531.35
1,527.49
181.83
(19,803.33)
(24,341.56)
(4,892.50)
(3,941.62)
1,329.33
(2,558.06)
(108.65)
(633.14)
(5,598.74)
(9,512.66)
(2,077.49)
(6,365.25)
3.19
1.27
(227.32)
(235.54)
2.35
1.55
(221.78)
(232.71)
1,417.01
2,275.68
500.00
1,030.00
(211.86)
(142.00)

(` kejes[ ceW)
e.
[er
F&
SHe
efJeJejCe
eolle ueeYeebMe kej
pesSveJeee mJewHe ketHeve Hej yeepe
ieewCe $eCeeW Hej yeepe
efJelleere ieefleefJeefOeeeW mes Meg vekeo eJeen
vekeoer SJeb vekeoer legue ceW Meg Jeef (S + yeer + meer ) DeLeJee (SHe-F&)
Jee& kes eejbYe ceW vekeoer SJeb vekeo legue
Yeejleere efj]peJe& yeQke kes Heeme vekeoer SJeb yeQke Mese
yeQkeeW kes Heeme Mese SJeb ceebie Je DeuHe metevee Hej jeefMe
Jee& keer eejbYe ceW Meg vekeoer SJeb vekeo legue
Jee& keer meceeefHle Hej vekeoer SJeb vekeo legue
yeQkeeW kes Heeme Mese SJeb ceebie Je DeuHe metevee Hej jeefMe
Jee& keer meceeefHle Hej Meg vekeoer SJeb vekeo legue
31- 03- 2012
31-03-2011
(34.37)
(23.96)
(5.18)
(4.98)
(522.54)
(470.99)
1,143.07
2,663.75
(1,156.20)
(3,934.21)
14,081.99
17,011.93
1,200.81
2,205.09
15,282.80
19,217.01
13,114.18
14,081.99
1,012.42
1,200.81
14,126.60
15,282.80

Deeueeske b[ve
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
efveosMeke
iegceeve efmebn
Sve.yeeueekeCeve
ye=peueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
(meerS yeer. DeCee)
Yeeieeroej
meomelee meb 216454
meveoer uesKeekeej
Yeeieeroej
meomelee meb.038934

mLeeve : cegbyeF&

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej

meveoer uesKeekeej
Yeeieeroej
meomelee meb.083899
83
syeue [erSHe -1
1.
mebYeeefJele eeespe #es$e
iegCeelceke ekeerkejCe:
S
cetue yeQke: mesvûe yeQke Dee@@He Fbef[ee
Fme Meer ceW mesvûe yeQke Dee@@He Fbef[ee kee Skeue DeeOeej ceW ekeerkejCe ceW nw.
yeer mecesefkele KeeleeW ceW, yeQke keer Devegebieer/meneesieer mebmLeeSb efvecveevegmeej nw.
(yeer i) yeQke keer Deveg<ebieer : yeQke keer Deveg<ebefieeeW kee efJeJejCe efvecveevegmeej nw:
e.meb.
1
2
Devegebieer kee veece

mesv yeQke nesce HeeFvesvme efueefces[
mesv yeQke HeeFvesefvmeeue meefJe&mes]pe efueefces[
mJeeefcelJe
59.50%
100%
cetue yeQke keer DevegebefieeeW kee meceskeve, cetue yeQke keer mebyebefOele ceoeW kes meceeve DevegebefieeeW keer DeeefmleeeW, oseleeSb, Deee SJeb KeeeX kes ceoJeej meceecesueve
ceW mes uesKeebkeve veerefleeeW keer Hegef kejves kes efueS Deble: mecetn MeeKeeDeeW/ uesveosveeW, iewj Jemetues ueeYe/neefve DeeJeMeke meceeeespeveeW, DevegebefieeeW mes
mebyebefOele uesKeejer#ekeeW eje eceeefCele Deebke[esb kes DeeOeej Hej efkeee ieee nw. DevegebefieeeW kes efJelleere efJeJejCeeW keer efjHeesef&bie leejerKe cetue yeQke kes
Devegmeej ner DeLee&le 31.03.2012 jKeer ieF& nw. DevegebefieeeW kes efJelleere efJeJejefCeeeW kes meceskeve ceW SSme - 21 uesKeebkeve ceeveke DeHeveeS ieS nQ.
(yeer ii) meneesieer mebmLeeSb: yeQke keer meneesieer mebmLeeSb efvecveevegmeej nQ:
e.meb.
I
#es$eere ieeceerCe yeQke kee veece

#es$eere ieeceerCe yeQke
mJeeefcelJe
35%
mejiegpee #es$eere ieeceerCe yeQke, DeefcyekeeHegj
35%
Gllej efyenej ieeceerCe yeQke, cegpeHeHejHegj, efyenej
35%
efJeoYe& #es$eere ieeceerCe yeQke, Dekeesuee
35%
35%
ne[ewleer #es$eere ieeceerCe yeQke, keese
35%
Gllejyebiee #es$eere ieeceerCe yeQke, kete efyenej
35%
II
Fb[es-peeefcyeee yeQke efueefces[, peeefcyeee
20%
mecesefkele efJelleere efJeJejefCeeeW ceW DemeesefMeSdme ceW efveJesMeeW kes uesKeekejCe kes efueS DeeF&meerSDeeF& eje peejer uesKeebkeve ceeveke SSme23 DeHeveeS ieS nw.
Fb[es-peeefcyeee yeQke efueefces[ Ske DemeesefMeSdme kes efJelleere efJeJejCe Deblej&eêre uesKeebkeve ceevekeeW kes DevegHe leweej efkeS ieS nQ. meYeer #es$eere
ieeceerCe yeQke Deewj Ske DemeesefMeSdme efJelleere mebmLeeDeeW keer ekeefle keer nw.
yeQke kes meerDeejSDeej keer ieCevee kes efueS, DevegebefieeeW SJeb #es$eere ieeceerCe yeQkeeW ceW, yeQke kes efveJesMe kees efej I SJeb efej II Hetbpeer ceW mes meceeve He
mes Ieeee ieee nw.
meerDeejSDeej keer ieCevee yeQke kes Skeue DeeOeej Hej keer ieF& nw.
HeefjceeCeelceke ekeerkejCe
meer. meYeer DevegebefieeeW ceW Hetbpeer keer keceer keer kegue jeefMe, pees meceskeve ceW Meeefceue veneR nw DeLee&le pees IeeF& ieF& nw leLee Ssmeer DevegebefieeeW kes veece: efvejbke
[er. yeercee mebmLeeDeesb ceW yeQke kes kegue efnmmes keer meceie jeefMe (GoenjCeeLe& Jele&ceeve yener cetue), pees peesefKece-Yeeefjlee Jeeues nw leLee Gvekes veece, efveieceve DeLeJee
efveJeeme kes Gvekes osMe, mJeeefcelJe efnle kee meceevegHeele Deewj, eefo Deueie nw, Fme mebmLeeveeW ceW celeeefOekeej kee meceevegHeele nw: efvejbke
84
syeue [erSHe -2
2.
Hetbpeer efJeveeme
S) FefkeJeer Hetbpeer
efoveebke 31 ceee& 2012 ceW yeQke keer DeefOekele Hetbpeer ` 3000.00 kejes[ nw. yeQke eje peejer 10 ` cetue kes 736115416 MesejeW kes meeLe, DeefYeolle
leLee eolle FefkeJeer Hetbpeer ` 736.12 kejes[ nw.
efoveebke 31.03.2012 keer efmLeefle kees Gkele ceW mes 79.15% MesejOeeefjlee Yeejle mejkeej kes DeOeerve nw. efpemeceW kegue 582635426 Meseme& nQ.
2.1 $eCe Hetbpeer efueKele
2.2.1 efej I Hetbpeer kee efJeJejCe
efej I Hetbpeer
peejer efleefLe
DeJeefOe
ceen ceW
DeefJejle
eefleose keer
efleefLe
DeefJejle
jeefMe
(` kejes[ ceW)
DeeF&Heer[erDeeF&
30.03.2009
HeerSvemeerHeerSme
26.11.2006
DeefJejle
DeefJejle
800.00
HeerSvemeerHeerSme
30.03.2009
DeefJejle
DeefJejle
117.00
HeerSvemeerHeerSme
31.03.2010
DeefJejle
DeefJejle
450.00
HeerSvemeerHeerSme
04.06.2010
DeefJejle
DeefJejle
250.00
kegue
2200.00
2.2.2
583.00
yeepe oj
mejkeejer eefleYetefle + 250 yeerHeerSme eefle Jee&, ceee&
Hegvece&tueebefkele
jsHees + 100 yeerHeerSme eefle Jee& Ske mebiele efleefLe
Hegvece&tueebefkele
Hegvece&tueebefkele
Hegvece&tueebefkele
Hegvece&tueebefkele
ceW
ceW
ceW
ceW
ceW
DeHej efej II yee@C[ kee efJeJejCe
meerjerpe
DeHej efej
(meer I)
DeHej efej
(meer II)
DeHej efej
(meer III)
DeHej efej
(meer IV)
DeHej efej
(meer V)
DeHej efej
(meer VI)
peejer efleefLe
eefleose keer efleefLe
jeefMe
yeepe oj
(` kejes[ ceW)
II
14.11.2008
14.11.2023
300.00
11.45% Jeeefe&ke
11JeW Jee& mes 50 DeeOeej efyebogDeesb leke Jeef (HeefjHekeJelee leke 11.95%)
II
17.02.2009
17.02.2024
285.00
9.40%Jeeefe&ke
II
23.06.2009
23.06.2024
500.00
8.80%Jeeefe&ke
II
20.01.2010
20.01.2025
500.00
8.63% Jeeefe&ke
II
11.06.2010
11.06.2025
1000.00
8.57% Jeeefe&ke
II
21.01.2011
21.01.2026
300.00
9.20%Jeeefe&ke
kegue
2885.00
85
eefleose leke
2.2.3
ieewCe yee@C[ kee efJeJejCe

peejer efleefLe
eefleose keer efleefLe
jeefMe (` kejes[ ceW)
IX
meerjerpe
08.10.2004
08.06.2014
200.00
28.03.2006
28.06.2015
578.20
XI
04.10.2006
04.10.2016
700.00
XII
03.03.2008
03.05.2017
389.10
ueesDej efej II (meer-XIII)
10.02.2009
10.04.2018
270.00
XIV
21.12.2011
21.12.2026
500.00
kegue
2637.00
yeepe oj
7.05% Jeeefe&ke
8.15% Jeeefe&ke
8.95% Jeeefe&ke
9.20%Jeeefe&ke
9.35% Jeeefe&ke
9.33% Jeeefe&ke
`
yeer) efej I Hetbpeer

efvecve kes Deueie ekeerkejCe kes meeLe:
eolle Mesej Hetbpeer
Deejef#ele efveefOeeeb
veJeesvcese efueKele: DeeF&Heer[erDeeF& HeerSvemeerHeerSme
efej I Hetbpeer mes IeeF& ieF& jeefMe

efveJesMe
Decetle& Deeefmleeeb meer) efej 2 Hetbpeer (efej 2 Hetbpeer mes keewleer kee Meg )
[er) DeHej efej 2 Hetbpeer ceW Meeefceue kejves kes efueS Hee$e $eCe Hetbpeer efueKele
kegue yekeeee jeefMe
FmeceW mes Jele&ceeve Jee& kes oewjeve Gieener ieF& jeefMe
Hetbpeer keese kes He ceW Heefjkeefuele keer peeves Jeeueer Hee$e jeefMe F&) ueesDej efej 2 Hetbpeer ceW Meeefceue kejves kes efueS ieewCe $eCe
kegue yekeeee jeefMe
FmeceW mes Jele&ceeve Jee& kes oewjeve Gieener ieF& jeefMe
Hetbpeer keese kes He ceW Heefjkeefuele keer peeves Jeeueer Hee$e jeefMe SHe) Hetbpeer mes Deve keewefleeeb peer) kegue Hee$e Hetbpeer
86
kejes[ ceW
10978.41
736.12
8173.50
583.00
1617.00
127.09
4.13
6485.64
2885.00
efvejbke
2885.00
2637.00
500.00
2146.02
127.09
17464.04
syeue [erSHe -3
Hetbpeer Heee&Hlelee
(S) Jele&ceeve leLee YeeJeer ieefleefJeefOeeeW kees mebeeefuele kejves kes efueS yeQke keer Hetbpeer Heee&Hlelee kes efveOee&jCe nsleg yeQke kes efkeesCe keer eee& kee meejebMe:
Hetbpeer peesefKece DeeOeeefjle Deeefmle DevegHeele (meerDeejSDeej) kees Jeebefle mlej Hej yeveeS jKeves kes efueS yeQke efveeefcele He mes mecee mecee Hej Hetbpeer keer
DeeJeMekelee kee cetueebkeve kejlee nw. JeJemeee Jeef leLee meerDeejSDeej kees Oeeve ceW jKe kej Hetbpeer Deeeespevee keer meceer#ee Jeeefe&ke DeeOeej Hej keer peeleer nw.
yeQke ves $eCe peesefKece kes efueS ceevekeerkele efkeesCe, Heefjeeueve peesefKece kes efueS cetue mebkesleke efkeesCe leLee yeepeej peesefKece kes efueS ceevekeerkele
DeJeefOe efkeesCe DeHeveeee.
yeQke kes Heeme Deebleefjke Hetbpeer Heee&Hlelee efveOee&jCe eefeee nw pees yeQke kees Gmekes JeJemeee e#esHeCe kes mebyebOe ceW Deeves Jeeueer Hetbpeer DeeJeMekeleeDeesb keer eespevee
kes efueS leLee JeJemeee ceW efveefnle peesefKeceeW mes efveHeves kes efueS me#ece yeveeleer nw. DeeF&meerSSHeer eeeme kee ecegKe GsMe nw Gve peesefKeceeW keer Heneeve leLee
efveOee&jCe kejvee pees efHeuej I ceW efJeefveefo& vetvelece Hetbpeer DevegHeele kes Debleie&le Hetjer lejn mes Heke[ ceW ve DeeSb, Ssmes peesefKece pees efHeuej kes lenle efyeukegue
Oeeve ceW ve ueer ieF& leLee pees yeQke kes yeenjer Ieke nes leLee Fme ekeej kes Deefleefjkele peesefKeceeW kes efueS Hetbpeer kee eeJeOeeve kejvee leLee yeQke kes peesefKece
eesHeeFue kes mebyebOe ceW Deebleefjke HetBpeer kes GHeegkele mlej kees ceeHevee. yeQke ves efHeuej II kes Debleie&le DeHeves meerDeejSDeej Hej eefleketue oyeeJe kes eYeeJe kees
ceeHeves kes efueS m^wme Hejer#eCe veerefle ueeiet keer nw.
yeQke DeeF& meer S S Heer keer meceer#ee efleceener DeeOeej Hej kej jne nw.
(` kejes[ ceW)
(yeer) 9% $eCe peesefKece kes efueS Hetbpeer-DeeJeMekeleeSb :
ceevekeerkele efkeesCe kes DeOeerve Hees&Heesefueees
efveefOe DeeOeeefjle
iewj-efveefOe DeeOeeefjle
eefleYetefle SkemeHeespej
(meer) yeepeej peesefKece kes efueS Hetbpeer-DeeJeMekeleeSb:
ceevekeerkele DeeJeefOeke efkeesCe:

- yeepe oj peesefKece
- efJeosMeer cege peesefKece (mJeCe& meefnle)
- FefkeJeer peesefKece
([er) Heefjeeueve peesefKece kes efueS Hetbpeer-DeeJeMekeleeSb:
cetue mebkesleke efkeesCe

(F&) kegue Hetbpeer DevegHeele
efej 1 Hetbpeer DevegHeele
10705.32
578.89
efvejbke
439.73
25.46
239.32
685.35
12.40%
7.79%
87
meeceeve iegCeelceke ekeerkejCe keer DeeJeMekelee

efveosMeke ceb[ue keer Ske meefceefle yeQke kes efJeefJeOe peesefKece kes Debleie&le peesefKece eyebOeve veerefleeeW/keee&eCeeueer kee efveeefcele He mes DeJeueeskeve kejleer nw pewmes $eCe,
Heefjeeueve, yeepeej Deeefo, yeQke ves eleske peesefKece kes mecePeewles kes efueS Meere& eyebOeleb$e keer efpemeceW DeOe#e SJeb eyebOe efveosMeke/keee&Heeueke meefceleer efveosMeke kees
erce ceW Meeefceue kejles nS Deueie meefceefle kee ieve efkeee nw, pewmes Deeefmleeeb oselee eyebOeve meefceefle, $eCeveerefle meefceefle, Heefjeeueve peesefKece meefceefle. Fve meefceefleeeW
eje efJeefYevve yeQefkebie Heefjeeueve kes Debleie&le peesefKece mlej kee efveOee&jCe leLee cee@efveefjbie kejves nsleg Hetjs Je<e& efveeefcele yewkeW keer peeleer nQ leLee peneb DeeJeMeke nes,
Jeneb peesefKece kece kejves nsleg Gefele GHeee efkeS peeles nw.
kesvere keeee&uee mlej Hej peesefKece eyebOeve efJeYeeie kes Meere&mLe ceneeyebOeke nQ, pees efke yees[& eje efveOee&efjle ceeHeob[ efveeb$eCe leLee peesefKece keer meercee kes Deboj
eyebOe kejevee nw leLee efJeefJeOe meefceefleeeW eje efveOee&efjle peesefKece Hewjeceerj kes meeLe DevegHeeueve kejeles nw. ceneeyebOeke kees meneeke ceneeyebOeke, cegKe eyebOeke leLee
Jeefj eyebOekeeW keer erce kes meeLe GHe ceneHeyebOeke eje meneesie eoeve efkeee peelee nw.
Deebeefueke keeee&uee mlej Hej es DeefYeefveOee&efjle peesefKece eyebOeke, kesvere keeee&uee kes peesefKece eyebOeve efJeYeeie keer efJemleefjle YegpeeDeesb kes He ceW keee& kejWies.
yeQke ceW efJeefJeOe veerefleeeb nw pewmes $eCe peesefKece eyebOeve veerefleeeb, $eCe peesefKece vetveerkejCe leLee mebHeeefe&ke eyebOeve veerefle, m^wme wm veerefle, ekeerkejCe veerefle,
Heefjeeueve peesefKece veerefle, SSueSce veerefle leLee yeepeej peesefKece veerefle.
Fmekes DeueeJee, $eCe veerefle Meemeer $eCe keee&-Heefle kes yeno ceeHeob[, $eCe emleeJeeW kes cetueebkeve SJeb cetueceeHeve, eleeeesefpele eeefOekeejer kes $eCe DeefOekeejeW,
ekeerkejCe ceeveob[, efJeJeskeHetCe& meerceeSb leLee $eCe Hees&Heesefueees omleeJespeerkejCe keer efveiejeveer SJeb efveeb$eCe Hej efoMeeefveoxMe Yeer megJeJeefmLle nw.
$eCe cee@efveefjbie efJeYeeie kes HecegKe cegKe ceneHeyebOeke nQ, pees $eCe HemleeJeeW keer iegCeJeee, efJeMes<e GefuueefKele KeeleeW keer Heneeve SJeb Gvekes megOeejke GHeee, efJeefYevve
#es$eeW kes efueS cee@efvej SkemeHeespej ceeveoC[ leLee efJeJeskemeccele ceeveoC[, $eCe meerceeDeeW keer meceer#ee leLee veJeerkejCe keer cee@efveefjbie Fleeefo kejles nQ.
yeQke ves Kegoje $eCe eCeeueer kes meeLe GOeejieefnleeDeesb kes efJeefJeOe Keb[eW kes efueS jsefbie cee@[ue keer MegDeele keer nw, pees efke keeGbj ieenke kes meeLe peesefKece keer
peebe kejleer nw leLee $eCe SJeb cetue efveOee&jCe ceW ceoo kejleer nw. ye[s $eCeer kes ceeceues ceW $eCe peesefKece cetueebkeve cee@[ue keeGvj ieenke kes efJelleere peesefKece,
Geesie peesefKece, eyebOeve peesefKece leLee JeJemeee peesefKece kee cetueebkeve kejleer nw leLee eleske Ssmes peesefKece kee HeLeke He mes cetueebkeve kejleer nw leLee efHej meceie
jsefbie, keeGvj Heeea kees Heoeve keer peeleer nw.
88
syeue [erSHe -4
$eCe peesefKece : meYeer yeQkeeW kes efueS meeceeve ekeerkejCe

$eCe peesefKece
iele ose leLee Devepe&ke keer HeefjYeeeeSb
Devepe&ke Deeefmleeeb Jen nw pene@b $eCe ee Deefiece (i)
efceeeoer $eCe kes mebyebOe ceW 90 efove mes DeefOeke keer DeJeefOe kes efueS yeepe Deewj/ee cetueOeve keer efkemle yekeeee jns;
(ii) 90 efoveeW kes efueS Keelee Deefveeefcele jns,
(iii) Kejeros ieS leLee YegveeS ieS efyeueeW kes ceeceues ceW eefo efyeue 90 efove mes DeefOeke keer DeJeefOe kes efueS Deefleose jnlee nes,
(iv) keefe kes GsMe mes mJeerkele Deefiece kes ceeceues ceW
S) DeuHeeJeefOe Hemeue kes ceeceues ceW cetueOeve keer efkemle ee yeepe oes Hemeue ceewmece leke Deefleose jnleer nes,
yeer) oerIee&JeefOe Hemeue kes ceeceues ceW cetueOeve keer efkemle ee yeepe Ske Hemeue ceewmece leke Deefleose jnleer nes,
(v)
180 efoveeW mes DeefOeke DeJeefOe kes efueS Keelee Deefleose jnlee nes,
(vi) me@ke efJeJejCeer keer emlegefle 90 efoveeW mes DeefOeke DeJeefOe kes efueS Deefleose nes.
Deefveeefcele:
keesF& Keelee leye Deefveeefcele oMee&ee peelee nw, peye yekeeee Mese ueieeleej mJeerkele meercee/DeenjCe Meefkele mes DeefOeke nes, eefo cetue Heefjeeueve Keeles ceW yekeeee
Mese mJeerkele meercee, DeenjCe Meefkele mes kece nes, Hejbleg legueve-He$e keer efleefLe kees ueieeleej 90 efoveeW leke keesF& pecee veneR nes ee Fme DeJeefOe ceW veeces yeepe kees keJej
kejves eesie Heee&Hle pecee ve nes.
Deefleose:
efkemeer Yeer $eCe megefJeOee kes Debleie&le yeQke kees ose keesF& Yeer jeefMe Deefleose kenueeSieer, eefo Jen yeQke eje efveOee&efjle ose efleefLe kees Deoe veneR keer peeleer nw.
$eCe peesefKece eyebOeve veerefle
yeQke ves yees[& eje Devegceesefole Ske megmHe $eCe peesefKece veerefle kees DeHeveeee nw, efpemekeer Jeeefe&ke DeeOeej Hej meceer#ee keer peeleer nw. en veerefle efvecveefueefKele #es$eesb
ceW keee& kejleer nw.
$eCe peesefKece efveOee&jCe, veerefle SJeb keee&veerefle
peesefKece Heneeve leLee ceeHeve,
peesefKece esCeerkejCe leLee meceskeerkejCe
$eCe peesefKece jsefbie, HejsKee leLee efjHeesef&bie
peesefKece efveeb$eCe leLee Hees&Heesefueees eyebOeve
vetveerkejCe lekeveerke
mecemeecetueke KeeleeW kee eyebOeve,
ue#e yeepeej leLee DeeefLe&ke ieefleefJeefOeeeW kes ekeej,
$eCe Devegceesove eeefOekeejer,
efkemeer osMe ceW efkemeer yeQke kee $eCe SJeb cege
HeefjHekeJelee kee mJeHe, efJeefJeOeerkejCe kee mlej,
DeLe&JeJemLee kee eeere Henuet,
Dee@@]He yewueWme Meer SkemeHeespej ceW $eCe peesefKece,
$eCe peesefKece efveiejeveer HeefkeeeSb
Deblej yeQke SkemeHeespej ceW $eCe peesefKece eyebOeve,
efkemeer osMe ceW efkemeer yeQke kes $eCe leLee Heefjeeueve mecyebOeer ceeceues
89
(` kejes[ ceW)
HeefjceeCeelceke ekeerkejCe:
(S) kegue mekeue $eCe peesefKece SkemeHeespej:
efveefOe DeeOeeefjle:
iewj-efveefOe DeeOeeefjle:
(yeer) SkemeHeespej kee Yeewieesefueke mebefJelejCe:
efJeosMeer
Iejsuet
(meer)SkemeHeespej kee GeesieJeej mebefJelejCe
keeseuee
Keoeve
ueesne SJeb FmHeele
Deve Oeeleg SJeb Oeeleg GlHeeo
meYeer ekeej Fbpeerefveeefjbie
efJeegle
metleer Jem$eeseesie
pet skemeeFue
Deve skemeeFue
eerveer
eee
Keee emebmkejCe
JevemHeefle lesue SJeb JevemHeefle
lecyeeket SJeb lecyeeket GlHeeo
keeiepe SJeb keeiepe GlHeeo
jye[ SJeb jye[ GlHeeo
kesefcekeue, [ee SJeb Hesv
meercesv
ece[e SJeb ece[s kes GlHeeo
jlve SJeb mJeCe& DeeYeteCe
efvecee&Ce
Hesêsefueece
^ke meefnle Dee@@esceesyeeFue
kecHetj mee@HeJesej
mebjeveelceke #es$e
Deve Geesie
DeJeefMe Deefiece Mese efveefOe
216213.78
60195.65
361.41
276148.02
90
efveefOe
iewj-efveefOe
29.65
0.0
14.70
0.0
5044.09
457.22
1032.95
11.88
2997.63
2555.24
384.75
7.39
1199.39
160.43
171.87
0.30
2853.77
41.99
1213.16
138.03
189.09
0.22
1010.90
114.45
703.05
91.03
63.59
0.03
410.26
25.79
190.69
14.93
2058.07
282.38
1308.65
154.09
103.84
2.59
1026.76
524.61
2115.80
911.52
1945.08
791.36
476.73
54.77
540.95
0.00
31185.80
533.94
6686.87
1790.66
85766.75
3868.38
([er) DeeefmleeeW kee DeJeefMe mebefJeoelceke HeefjHekeJelee mebyebOeer efJeMueseCe:

1 efove:
02 efoveeW mes 07 efoveeW leke:
08 efoveeW mes 14 efoveeW leke:
15 efoveeW mes 28 efoveeW leke :
29 efoveeW mes 3 ceeneW leke :
3 ceeneW mes DeefOeke, Hejbleg 6 ceeneW leke :
6 ceeneW mes DeefOeke, Hejbleg 12 ceeneW leke:
60 ceeneW mes DeefOeke :
(F&) Devepe&ke DeeefmleeeW keer jeefMe (mekeue)
DeJeceeveke
mebefoiOe
neefve
(SHe)efveJeue Devepe&ke Deeefmleeeb
(peer) Devepe&ke DeeefmleeeW kee DevegHeele
mekeue DeefieceeW keer leguevee ceW mekeue Devepe&ke Deeefmleeeb
efveJeue DeefieceeW keer leguevee ceW efveJeue Devepe&ke Deeefmleeeb

(Se) Devepe&ke DeeefmleeeW (mekeue) ceW mebeueve
eejefcYeke Mese
HeefjJeOe&ve
keefceeeb
Devepe&ke Deeefmleeeb (mekeue)

(DeeF&) Devepe&ke DeeefmleeeW kes HeeJeOeeveeW (Meg) ceW HeefjJele&ve
eejefcYeke Mese
DeJeefOe kes oewjeve efkeee ieee eeJeOeeve
DeefOeke eeJeOeeve kees JeeHeme uesvee/ yes Keeles [euevee
Debeflece Mese
(pes) Devepe&ke efveJesMe keer jeefMe
(kes) Devepe&ke efveJesMe kes efueS Oeeefjle eeJeOeeve keer jeefMe
(Sue) efveJesMe Hej eeJeOeeve/cetueeme ceW HeefjJele&ve:
eejefcYeke Mese
Fme DeJeefOe kes oewjeve efkeee ieee eeJeOeeve
DeefOeke eeJeOeeve kees yes Keeles [euevee/JeeHeme uesvee
Debeflece Mese
91
2345.61
3377.98
1886.39
2403.5
12722.16
9072.17
12441.31
83689.84
27397.54
55195.87
7273.46
4736.75
2498.03
38.68
4556.77
4.83
3.09
2394.53
6849.29
1970.36
7273.46
1085.00
1379.00
244.00
2220.00
15.77
15.77
344.37
409.61
260.28
493.70
syeue [erSHe -5
$eCe peesefKece : ceevekeerkele ef<keesCe kes DeOeerve Hees&Heesefueees kes efuees ekeerkejCe
(S) Yeejleere efjpeJe& yeQke kes efoMeeefveoxMeevegmeej $eCe peesefKece kes efuees Hetbpeer eYeej keer ieCevee nsleg yeQke ves ceevekeerkele ef<keesCe kees DeHeveeee nw. es
efoMeeefveoxMe efJeefYevve Deeefmle JeieeakejCe kes efuees Deueie-Deueie peesefKece Yeeefjlee eoeve kejles nQ, efpevnW efJeefOeJele He mes ueeiet efkeee ieee nw.
(yeer) yeQke ves Yeejleere efjpeJe& yeQke eje DeefYeefeefvnle eej yeee $eCe jsefbie SpesvefmeeeW eLee, efeefmeue efue.,kesej, Fee efue. leLee efHee jsefbie(DeeF&)
efue. kes meeLe menceefle-%eeHeve Hej nmlee#ej efkees nQ, pees yeemeue II ceeveob[eW kes lenle DeHeves ieenkeeW kes SkemeHeespej kee efveOee&jCe kejles nQ
(meer) es Spesefvmeeeb meYeer efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle SkemeHeespej keer jsefbie kejleer nQ. Fve SpesefvmeeeW eje yeQke kes ieenkeeW kees eolle
jsefbie, peesefKece Yeeefjlee efveOee&efjle kejves kes efuees mJeerkeej keer peeleer nQ.
([er) kee@Heexjs kes efkemeer efJeefMe efveie&ceeW ceW yeQke kes efveJesMe kes ceeceues ceW,jsefbie SpeWmeer keer efJeefMe efveie&ce jsefbie keer ieCevee Yeejleere efjpeJe& yeQke eje
eolle efJelleere efmLeefle Hewceeves kes Devegmeej keer peeesieer.
` kejes[ ceW
HeefjceeCeelceke ekeerkejCe:
(yeer) ceevekeerkele ef<keesCe kes DeOeerve peesefKece vetveerkejCe kes HeMeele SkemeHeespej jeefMe kes efuees, yeQke keer
yekeeee(esCeerkele leLee DeesCeerkele) jeefMe leLee Jes, efpeveceW keewleer keer peeleer nw, efvecve leerve peesefKece esefCeeeW ceW
efvecveJele nw.
100 % peesefKece Yeeefjlee mes kece:
100 % peesefKece Yeeefjlee:
100 % peesefKece Yeeefjlee mes DeefOeke :
IeeF& ieF& jeefMe- meerDeejSce
177076.54
70311.04
25862.18
11565.84
syeue [erSHe -6
$eCe peesefKece vetveerkejCe : ceevekeerkele ef<keesCe 1 kes efuees ekeerkejCe

mebHeeefMJe&ke cetueebkeve SJeb eyebOeve kes efuees veerefleeeb SJeb eefeeeeW;

yeQke kes Heeme megHeefjYeeefele $eCe peesefKece vetveerkejCe leLee mebHeeefMJe&ke eyebOeve veerefle nw. vekeoer leLee vekeoerlegue eefleYetefleeeb, Yetefce SJeb YeJeve leLee mebeb$e
SJeb ceMeervejer Fleeefo yeQke eje mJeerkeej keer peeves Jeeueer ecegKe mebHeeefMJe&ke nQ.
yeQke eje ueer peeves Jeeueer ecegKe mebHeeefMJe&ke kee efJeJejCe;

yeQke eje, Jeefkeleiele ieejbefeeb,kee@Heexjs ieejbefeeb leLee Meemeve SJeb yeQkeeW eje peejer ieejbefeeb mJeerkeej keer peeleer nQ. veerefle efoMeeefveoxMeeW kes Devegmeej,
mebHeeefMJe&ke eefleYetefleeeW kee cetueebkeve efveeefcele Deblejeue ceW Gefele yeepeej cetue Hej efkeee peelee nw.
Yeejleere efjpeJe& yeQke kes veF& Hetbpeer Heee&Hlelee HejsKee Hej efoMeeefveoxMe, $eCe peesefKece vetveerkejCe kes eeespeve kes efuees efJeefYevve ekeej kes efJelleere mebHeeMefJe&ke
kee DeefYeefveOee&jCe kejles nQ, meeLe ner, es efoMeeefveoxMe ieejber kees Ske $eCe peesefKece vetveerkejCe kes He ceW ceevelee eoeve kejles nQ Fme ekeej kes lelJeeW kee
Helee ueieeves kes efuees yeQke ves Gefele veerefleiele GHeee efkees nQ.
` kejes[ ceW
(yeer) ceevekeerkele ef<keesCe kes Debleie&le $eCe peesefKece Hees&Heesefueees kes Debleie&le ekeerkejCe kes efuees, kegue SkemeHeespej
keJej efkeee ieee nw:
nsejkedme DevegHeeesie kes yeeo; Hee$e efJeeere mebHeeefMJe&ke

efveefOe DeeOeeefjle
iewj-efveefOe DeeOeeefjle
92
9556.42
1907.09
syeue [erSHe -7
eefleYeteflekejCe: ceevekeerkele efkeesCe kes efueS ekeerkejCe

iegCeelceke ekeerkejCe:
efvejbke
kejes[ ceW
yeQefkebie yener
([er) yeQke eje eefleYeteflele SkemeHeespej keer kegue jeefMe.
(F&) SkemeHeespej ekeefle eje efJeKebef[le Jele&ceeve DeJeefOe, (DeLee&le esef[ kee[&, DeeJeeme $eCe,Dee@@es $eCe Fleeefo Debleefve&efnle
eefleYetefle) ceW efeefvnle SkemeHeespej eefleYeteflele neefveeeb
(SHe) Ske Jee& kes Yeerlej DeeefmleeeW keer jeefMe kees eefleYeteflele efkees peeves keer cebMee.
(peer) GHeeg&kele (SHe) ceW mes eefleYeteflekejCe kes HetJe& Ske Jee& kes Yeerlej meefpele keer ieF& DeeefmleeeW keer jeefMe
(Se) eefleYeteflele SkemeHeespej(SkemeHeespej kes Hekeej eje) keer kegue jeefMe leLee SkemeHeespej Hekeej eje efyeeer Hej iewj DeefYeefeefvnle
ueeYe ee neefveeeb.
(DeeF&) efvecve keer mecesefkele jeefMe :
jeskes ieS DeLeJee Kebef[le mJeHe ceW ee efkeS ieS, legueve He$e eefleYeteflekejCe SkemeHeespej, SJebSkemeHeespej eFHe eje efJeKebef[le legueve He$e Flej eefleYeteflekejCe SkemeHeespej, SJeb
(pes) jeskeer ieF& DeLeJee ee keer ieF& leLee meneeke Hetbpeer eYeejeW kes yeere efJeYeeefpele efkeee ieee Deewj eleske efJeefveeeceke Hetbpeer efkeesCe
kes efueS efJeefYevve peesefKece Yeeefjlee mecetneW ceW efJeYeeefpele, Ssmeer eefleYeteflekejCe SkemeHeespej keer mecesefkele jeefMe.
Ssmes SkemeHeespej, efpevns efej 1 Hetbpeer mes HetCe&le: Ieeee ieee nw, kegue Hetbpeer mes Je=efiele $eCe DeeF&/Dees kees Ieeee ieee leLee
kegue Hetbpeer kes Deve SkemeHeespejeW kees Ieeee ieee (SkemeHeespej ekeej eje)
^sef[bie yener:
(kes) yeQke eje eefleYeteflele mecesefkele SkemeHeespej jeefMe, efpemekes efueS yeQke ves keg SkemeHeespej jeskes jKes nQ SJeb pees SkemeHeespej eFHe
eje yeepeej peesefKece efkeesCe kes DeOeerve nw.
(Sue) efvecve keer meceie jeefMe :
jeskes ieS DeLeJee Kebef[le mJeHe ceW ee efkeS ekeej kes, legueve He$e eefleYeteflekejCe SkemeHeespej, SJeb
SkemeHeespej eFHe eje efJeKebef[le legueve He$e Flej eefleYeteflekejCe SkemeHeespej
(Sce) efvecve kes efueS HeLeke mes jeskes DeLeJee ee efkeS ieS eefleYeteflekejCed keer kegue jeefMe:
efJeefMe peesefKece kes efueS JeeHeke peesefKece GHeee kes DeOeerve jeskes DeLeJee ee efkeS ieS eefleYeteflekejCe SkemeHeespej:leLee
efJeefYevve peesefKeceeW kes efJeefYevve Yeeefjle mecetneW ceW efJeKebef[le eefleYeteflekejCe {ebes kes DeOeerve eefleYeteflekejCe SkemeHeespej
(Sve) efvecve keer meceie jeefMe :
efJeefYevve peesefKece Yeeefjle mecetneW ceW efJeKebef[le eefleYeteflekejCe {ebes kes DeOeerve eefleYeteflekejCe SkemeHeespej kes efueS DeHesef#ele
Hetbpeer.
Ssmes SkemeHeespej, efpevnw efej 1 Hetbpeer mes HetCe&le: Ieeee ieee nw, kegue Hetbpeer mes Jeefiele $eCe DeeF&/Dees kees Ieeee ieee
leLee kegue Hetbpeer kes Deve SkemeHeespejeW mes Ieeee ieee(SkemeHeespej ekeej eje)
93
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
efvejbke
syeue [erSHe -8
^sef[bie yener ceW yeepeej peesefKece

yeQke kes Heeme megmHe efveJesMe SJeb yeepeej peesefKece eyebOeve veerefle nw. pees yeepeej peesefKece eyebOeve kes cenlJeHetCe& #es$eesb kees keJej kejleer nw.
yeQke, yeepeej peesefKece kees JeeHeej-eefeee ceW ieefleefJeefOeeeW efJeMese He mes, yeepe ojeW ceW HeefjJele&ve, efJeefvecee ojeW leLee FefkeJeer SJeb HeCe cetueeW ceW HeefjJele&ve mes legueve
He$e leLee legueveHe$e yeee efmLeefleeeW ceW neefve nesves keer peesefKece kes He ceW HeefjYeeefele kejlee nw.
yeepeej peesefKece kes efueS Yeejleere efjpeJe& yeQke eje efveOee&efjle Hetbpeer keer DeeJeMekelee kes ceeHeve nsleg yeQke ves ceeveke DeJeefOe efkeesCe kees DeHeveeee nw.
yeepeej peesefKece kes eyebOeve kes efueS veerefleeeb:
yeQke ves yeepeej peesefKece kes eYeeJeer eyebOeve kes efueS yees[& eje Devegceesefole efveJesMe SJeb yeepeej peesefKece eyebOeve veerefle ueeiet keer nw, pees yeepeej peesefKece eyebOeve kes efueS
GHeeesieer nw, Deeefmle-oselee eyebOeve veerefle SJeb efJeosMeer efJeefvecee Heefjeeueve veerefle, Ssmeer Deve veerefleeeb nw, pees yeepeej peesefKece eyebOeve mes mebyebefOele nw.
veerefleeeW ceW efJeefYevve efJeJeskemeccele SkemeHeespej meercee efveOee&efjle keer ieF& nw, pees en megefveefele kejleer nw, efke mecegefele yeepeej peesefKece eyebOeve SJeb Deeefmle oselee
eyebOeve kes peefjS yeepeej peesefKece kes mece#e yeQke kees DeHesef#ele eefleHeue eeHle kejves kes efueS Heefjeeueve eLeeefmLeefle ceW nw.
Deeefmle-oseleeSb eyebOeve :
SSueSce veerefle, SSueSce eefeee keer Ske HejsKee nw. yeQke kes legueveHe$e ceW efJeeere peesefKece kes efJeefYevve mlejeW kes SkemeHeespej kee efceeCe nw. yeQke kee ue#e DeHeveer
ueeYeeolee kees DeefOekelece kejvee nw, Hejvleg Fmes Fme lejerkes mes efkeee ieee, efpememes yeQke kees peesefKece kes Gve DeleefOeke mlejeW kee meecevee ve kejvee He[s, pees
DevleleesielJee ueeYeeolee Hej eYeeJe [eueles nQ. en veerefle, peesefKece meercee kes ecegKe GHeeeeW kes efueS, Gve meerceeDeesb kees HeefjYeeefele kejleer nw, pees efJeMese He mes yeQke
keer SkecesJe MesejeefMe peefuelee, veerefleiele efoMee leLee peesefKece eJe=efe kes meceeeespeve kes efueS yeveeF& ieF& nw.
lejuelee peesefKece:
lejuelee peesefKece kee eyebOe DeeefmleeeW leLee oseleeDeesb keer DeJeefMe HeefjHekeJelee /efmLeefle Hej DeeOeeefjle Deblej efJeMueseCe kes ceeOece mes efkeee peelee nw. yeQke kes
Heeme DeuHeeJeefOe ieefleMeerue lejuelee eyebOeve leLee Deekeefmceke efveefOe JeJemLee eespevee eCeeueer ceewpeto nw. yeQke keer kegMeue Deeefmle oselee eyebOeve lejuelee eesHeeFue
nsleg efJeefYevve DeJeefMe HeefjHekeJelee efveOee&jCe DeJeefOe kes efueS efJeJeskemeccele meerceeSb efveOee&efjle keer ieF& nw. FvnW efJeefYevve lejuelee DevegHeeleeW kes ceeOece mes Yeer yeQke keer
lejuelee eesHeeFue keer peebe keer peeleer nw.
yeepe oj peesefKece :
yeepe oj peesefKece kee eyebOe oj-mebJesoer DeeefmleeeW SJeb oseleeDeesb kes Deblej efJeMueseCe mes efkeee peelee nw SJeb efJeJeskemeccele meerceeDeesb kes eje Fvekeer efveiejeveer keer
peeleer nw. FefkeJeer kes DeeefLe&ke cetue SJeb Meg yeepe Deee Hej eYeeJe kes cetueebkeve nsleg yeepe oj ceW efJeHejerle HeefjJele&ve kes meeHes#e Yeer yeQke peesefKece kee DeeJeefOeke
eekekeueve kejlee nw
yeepeej peesefKece nsleg Hetbpeer keer DeeJeMekelee
Hetbpeer eYeej
yeepe oj kee peesefKece
` 439.72 kejes[
FefkeJeer efmLeefle peesefKece
` 239.31 kejes[
efJeosMeer cege kee peesefKece
` 25.46 kejes[
eesie
`704.50 kejes[
94
syeue [erSHe -9
Heefjeeueve peesefKece
Heefjeeueve peesefKece, neefveeeW mes mecyebefOele peesefKece nw, pees yeenjer IeveeDeeW mes DeLeJee Deebleefjke eefeee, JeefkeleeeW leLee eCeeefueeeW keer efJeHeuelee DeLeJee
DeHeee&Hlelee mes eke nesleer nw. Heefjeeueve peesefKece ceW efJeefOe peesefKece Meeefceue neslee nw, Hejbleg FmeceW veerefleiele Je eeflee peesefKece Meeefceue veneR nesleer nw. yeQke ceW
Heefjeeueve peesefKece eyebOeve kes yeejs ceW ceeie&oMe&ve osves kes efueS megmHe Heefjeeueve peesefKece eyebOeve veerefle GHeueyOe nw, efpemekeer eleske Jee& meceer#ee keer peeleer nw.
yeQke ves Heefjeeueve peesefKece kes lenle mecegvvele oMee ceW Hengbeves kes efueS DeHeves DeeHekees me#ece yeveeves nsleg Devegketue mekeejelceke keoce GeS nQ leLee neefve Deebke[e
eyebOeve, peesefKece SJeb efveeb$eCe mJe-cetueebkeve (DeejmeerSmeS), ecegKe peesefKece mebkeslekeeW (kesDeejDeeF&) SJeb HeefjefmLeefleeeW kee efJeMueseCe kes ceeOece mes Heefjeeueve
peesefKece neefve keer IeveeDeesb mes mecyebefOele Deebke[eW kee mebienCe kejvee eejbYe kej efoee nw. yeQke yeee neefve [ee DeeOeej kes efueS neefve [ee kevmeesef&ece /
keesj[skeme/ kee meome Yeer nw.
yeQke ves ceevekeerkele efkeesCe kees DeHeveeves kes efueS Henues mes ner DeejyeerDeeF& mes mebHeke& meeOee ngDee nw Deewj S[Jeevme ces]pejceW Seese DeHeveeves kes efueS meerOes eeemejle
nw.
yeQke ves cetue mebkesleke mebkeuHevee kes Devegmeej Heefjeeueve peesefKece nsleg Hetbpeer GHeueyOe kejeF& nw. leovegmeej, efoveebke 31.03.2012 kees Heefjeeueve peesefKece kes efueS
` 685.35 kejes[ keer Hetbpeer keer DeeJeMekelee nw.
syeue [erSHe -10
yeQefkebie yener ceW yeepe oj peesefKece (DeeF&DeejDeejyeeryeer)

yeepe oj peesefKece kee ceeHeve SJeb efveiejeveer kejves keer oes Heefleeeb nw :
1.
peesefKece Hej Deee (HejcHejeiele Deblej efJeMues<eCe)
Fme Heefle kes Debleie&le Meg yeepe Deee Hej yeepe ojeW ceW HeefjJele&ve kes HeYeeJe kee efJeMues<eCe efkeee peelee nw Deewj eeru[ keJe& Heefle mes Fmekeer ieCevee keer
peeleer nw. Fme Heefle kes Debleie&le 1% kee meceeveevlej DeblejCe, DeeefmleDeeW SJeb oseleeDeeW oesveeW ceW ner ceeve efueee peelee nw.
2.
FefkeJeer kee DeeefLe&ke cetue :
FefkeJeer keer mebMeesefOele DeJeefOe HeeHle kejves kes efueS DeeefmleeeW SJeb oseleeDeeW keer mebMeesefOele DeJeefOe kee Deueie mes Heefjkeueve efkeee peelee nw. FefkeJeer kes
DeeefLe&ke cetue keer ieCevee kes efueS eeru[ keJe& ceW 200 yesefmeme HeeFb kee meceeveevlej DeblejCe ceeve efueee peelee nw.
HeefjJele&ve kes Hewjeceerj
1.
2.
` kejes[
DeeefmleeeW SJeb oseleeDeesb ceW yeepe oj ceW 200 DeeOeej efyebogDeesb mes Deee ceW HeefjJele&ve
FefkeJeer kee yeepeej cetue : 200 yeerHeerSme kee HeefjJele&ve
2306.96
peer.yeer.meesveieebJekej
ceneeyebOeke-peeseefJe
(ceesnve Jeer. ebkemeeues)

(Jeer.Deej.Deej)
95
ceW
48.65
(Deej.kes.ogyes)
mecesefkele efJeeere efJeJejCeeW Hej uesKee Hejer#ekeeW keer efjHees&

Heefle
mesvûe yeQke Dee@@He Fbef[ee kee efveosMeke ceb[ue

1.
nceves efoveebke 31 ceee&, 2012 keer efmLeefle kes efueS mesvûe yeQke Dee@@He Fbef[ee (o yeQke), Fmekeer DevegebefieeeW Deewj DemeesefMeSdme (meecetefnke He mes Fmes
mecetn kes He ceW mebyeesefOele efkeee ieee nw) kes mebueive mecesefkele legueve-He$e leLee Gkele efoveebke kees meceeHle Jee& kes mecesefkele ueeYe SJeb neefve Keeles SJeb mecesefkele
vekeo eJeen efJeJejCe Gvekes DevegueivekeeW kee Hejer#eCe efkeee, efpemeceW efvecve efueefKele meceeefnle nQ:
(i)
nceejs eje uesKee Hejeref#ele, mesvûe yeQke Dee@@He Fbef[ee (o yeQke) kes uesKeeHejeref#ele uesKes,
(ii)
Deve uesKee Hejer#ekeeW eje uesKee Hejeref#ele 2 DevegebefieeeW, 7 #es$eere ieeceerCe yeQkeeW SJeb 1 Deve DemeesefMeS kes uesKeeHejeref#ele uesKes.
Fve efJeleere efJeJejCeeW keer efpeccesoejer yeQke kes eyebOeleb$e keer nw Deewj es Gvekes eje Gvekeer DevegebefieeeW SJeb DemeesefMeSdme kes HeLeke efJelleere efJeJejCeeW SJeb Deve
efJelleere metevee kes DeeOeej Hej leweej efkeS ieS nQ. nceejer efpeccesoejer uesKee Hejer#ee kes DeeOeej Hej Fve efJelleere efJeJejefCeeeW Hej DeHevee cele Jekele kejves keer nw.
2.
nce metefele kejles nQ efke es mecesefkele efJelleere efJeJejCe yeQke kes eyebOeleb$e ves Fbmeret Dee@@He ee&[& DekeeGbWme Dee@@He Fbef[ee eje peejer uesKeebkeve ceeveke
21-`mecesefkele efJelleere efJeJejCe' SJeb uesKeebkeve ceeveke 23-`mecesefkele efJelleere efJeJejCeeW ceW DemeesefMeSdme ceW efveJesMe kes efueS uesKeebkeve' leLee Yeejleere efj]peJe& yeQke
eje peejer efoMeeefveoxMeeW kes Devegmeej leweej efkees iees nQ.
3.
nceves meeceevele: Yeejle ceW mJeerkeee& uesKee Hejer#ee ceevekeeW kes DeeOeej Hej DeHeveer uesKee Hejer#ee keer nw. Fve ceevekeeW kes Devegmeej en DeHesef#ele nw efke nce uesKee
Hejer#ee Fme lejn mes megefveeesefpele Deewj mecHevve kejW efke nceW en leke&mebiele DeeMJeemeve efceues efke es efJelleere efJeJejefCeeeb meYeer ecegKe HenuegDeesb Hej efeefvnle efJelleere
efjHeesef&bie He jsKee ceW yeveeS ieS nQ leLee nj ekeej keer cenllJeHetCe& ieueefleeeW mes cegkele nQ. efJelleere efJeJejCeeW ceW oer ieF& jeefMeeeW kes mee#eeW SJeb ekeerkejCeeW
keer vecetves kes leewj Hej peebe kejvee uesKee Hejer#ee ceW Meeefceue nw. uesKee Hejer#ee ceW eegkele uesKee efmeebleeW leLee eyebOeleb$e eje efkeS ieS cenllJeHetCe& DeekeueveeW kes
efveOee&jCe kes meeLe-meeLe meceie efJelleere efJeJejCeeW keer emlegefle kee cetueebkeve Yeer Meeefceue nw. nceeje efJeMJeeme nw efke nceejs eje keer ieF& uesKee Hejer#ee nceejer jee
kee leke&mebiele DeeOeej nw.
4.
nceves efvecveefueefKele kes efJelleere efJeJejCeeW keer uesKeeHejer#ee veneR keer nw:
(i)
yeQke keer DevegebefieeeB, efpevekes efJelleere efJeJejCe ceW efoveebke 31 ceee&, 2012 kees ` 351.68 kejes][ keer kegue Deeefmleeeb leLee Gme efleefLe kees meceeHle Jee&
kes efueS ` 53.70 kejes][ keer kegue Deee SJeb ` 9.84 kejes][ kee Meg vekeo eJeen oMee&les nQ.
(ii)
DemeesefMeSdme (7 #es$eere ieeceerCe yeQke leLee 1 Deve DemeesefMeS), pees Fme efleefLe kees meceeHle Jee& kes efueS Meg ueeYe ` 213.30 kejes][ (yeQke kee efnmmee
` 69.28 kejes][) oMee&les nQ.
5.
yeQke keer DevegebefieeeW SJe DemeesefMeSdme kes mebyebOe ceW meefcceefuele jeefMeeeB, efpevekeer uesKee Hejer#ee Gvekes mecyebefOele uesKee Hejer#ekeeW eje keer ieF& nw, efpemekeer efjHees&
nceW emlegle keer ieF& nw Deewj nceejer jee HetCe&le: Gve uesKee Hejer#ekeeW keer efjHeeseX kes DeeOeej Hej nw.
6.
yeQke eje ueeYeebMe keer IeeseCee kesv mejkeej keer Devegceefle kes DeOeerve, HeWMeve keer DeHeefjMeesefOele jeefMe ` 719.95 kejes][ leLee iesegFer oselee ` 166.20 kejes][
yes Keeles [eues efyevee keer ieF& nw.
7.
nceejer jee kees GHeegkele njees efyevee, nce efJelleere efJeJejefCeeeW keer Devegmeteer 18 kes vees mebKee 4.2.1 keer Deesj Oeeve Deekeefe&le kejles nQ, pees
` 886.15 kejes][ keer meercee leke yeQke keer HeWMeve oselee SJeb iesegFer oselee kes DeemLeieve kes mebyebOe ceW meeJe&peefveke #es$eesb kes yeQkeeW kes kece&eeefjeeW kes efueS
HeWMeve efJekeuHe Hegve: Keguevee leLee iesegFer meerceeDeesb ceW Jeef-efJeJeskeHetCe& efJeefveeeceke JeJenej Hej kece&eejer ueeYe mebyebOeer Yeejleere efj]peJe& yeQke eje peejer HeefjHe$e
mebKee [eryeerDees[er, yeerHeer.yeermeer/80/21.04.018/2010-11 efoveebke 09.02.2011 kes ceeOece mes uesKeebkeve ceeveke (SSme) 15 kece&eeefjeeW kes ueeYeeLe&
kes eeJeOeeveeW kees ueeiet kejves ceW meeJe&peefveke #es$e kes yeQkeeW kees Yeejleere efj]peJe& yeQke eje eolle t kes DevegmejCe ceW nw.
96

8.
nceejer uesKee Hejer#ee leLee 2 DevegebefieeeW, 7 #es$eere ieeceerCe yeQkeeW Je 1 Deve DemeesefMeS kes HeLeke efJelleere efJeJejCeeW Hej mebyebefOele uesKee Hejer#ekeeW keer efjHees& kes
DeeOeej Hej SJeb DevegebefieeeW, #es$eere ieeceerCe yeQkeeW Deewj DemeesefMeSdme kes Deve efJelleere efJeJejCeeW kes DeeOeej Hej efJeeej kejles ngS Deewj nceejs meJeexllece peevekeejer
kes DeeOeej Hej leLee nceW efoes ieS mHeerkejCe kes Devegmeej nceejer jee nw efke mebueive mecesefkele efJelleere efJeJejCe menHeefle ecegKe uesKeebkeve veerefleeeW SJeb uesKeeW Hej
efHHeefCeeeW, DeHesef#ele lejerkes mes meteveeSb eoeve kejlee nw leLee Yeejle ceW Deeceleewj Hej mJeerkele uesKeebkeve efmeebleeW kes DevegHe efvecveefueefKele ceeceueeW ceW JeemleefJeke
SJeb mHe efe$eCe emlegle kejlee nw.
i.
mecetn keer efoveebke 31 ceee&, 2012 keer efmLeefle kes mecesefkele legueve He$e kes ceeceues ceW;
ii.
Gkele leejerKe kees meceeHle Jee& kes efueS mecetn kes mecesefkele ueeYe kes yeejs ceW mecesefkele ueeYe SJeb neefve uesKee efJeJejCe kes ceeceues ceW; leLee
iii.
Gkele efleefLe kees meceeHle Jee& kes efueS mecetn kes vekeo eJeen kes mecesefkele vekeo HeJeen efJeJejCe kes ceeceues ceW.

meveoer uesKeekeej
Yeeieeroej
meomelee meb.202352
meveoer uesKeekeej
SHe.Deej.veb. 100186[yeuet
(meerS Meebleveg Ieese)
Yeeieeroej
meomelee meb.050927

meveoer uesKeekeej
Yeeieeroej
meomelee meb.083899
meveoer uesKeekeej
Yeeieeroej
meomelee meb.075000
mLeeve : cegcyeF&
97

meveoer uesKeekeej
(meerS yeer.jeceeveerr)
Yeeieeroej
meomelee meb.019603
meveoer uesKeekeej
Yeeieeroej
meomelee meb.088578
efoveebke 31 ceee&, 2012 kee mecesefkele legueveHe$e

efoveebke 31 ceee&,
2012 kees
(000 es[kej)
efoveebke 31 ceee&,
2011 kees
2,35,31,154
2,02,11,415
2,02,56,836
10,30,92,369
6,95,80,255
2S
3
2,44,766
2,35,744
1,96,23,53,203
1,79,37,85,456
12,91,85,961
12,88,69,794
8,33,55,336
6,67,93,645
2,30,17,62,789
2,09,97,33,145
13,11,42,476
14,08,21,053
1,01,24,236
1,20,08,744
Devegmeteer
meb.
Hetbpeer SJeb oseleeSb
Hetbpeer
Deejef#ele efveefOeeeb SJeb DeefOeMese
ceeF&veesefjer efnle
peceejeefMeeeb
GOeej jeefMeeeb
Deve oseleeSb SJeb eeJeOeeve
kegue
Deeefmleeeb
Yeejleere efj]peJe& yeQke kes Heeme vekeo SJeb Mese jeefMe
yeQkeeW ceW peceejeefMeeeb SJeb ceebie Je DeuHe metevee Hej jeefMeeeb
efveJesMe
$eCe SJeb Deefiece
Deeue Deeefmleeeb
Deve Deeefmleeeb
meceskeve Hej meeKe
kegue
59,38,76,959
54,58,02,127
1,47,71,80,831
1,29,84,05,738
10
2,47,47,203
2,42,62,591
11
6,46,33,076
7,83,74,884
58,008
58,008
2,30,17,62,789
2,09,97,33,145
12
59,41,26,254
43,37,24,213
Deekeefmceke oseleeSb
5,67,71,907
3,57,60,905
Jemetueer nsleg efyeue
17
HecegKe uesKeebkeve veerefleeeB
18
GHee&gkele Devegmetefeeeb legueveHe$e kes cenllJeHetCe& Ieke nQ
ceesnve.Jeer.ebkemeeues
Jeer.Deej.Deej
Deej.kes.ogyes
jescesMe meYejJeeue
cespej (mes.efve.) Jeso ekeeMe
Deeueeske b[ve
efveosMeke
efveosMeke
efveosMeke
efveosMeke
iegceeve efmebn
ees.Sve.yeeuekeCeved
yepeueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
(meerS yeer.jeceeveerr )
Yeeieeroej
Yeeieeroej
Yeeieeroej
meomelee meb.083899
meomelee meb.019603
meomelee meb.202352
meveoer uesKeekeej
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
Yeeieeroej
meomelee meb.075000
meomelee meb.088578
meomelee meb.050927
mLeeve : cegcyeF&
98
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS mecesefkele ueeYe SJeb neefve Keelee
Devegmeteer
meb.
I.
Deee
Deefpe&le yeepe SJeb ueeYeebMe
Deve Deee
II.
Jee
kegue
ueeYe/neefve
ceeFveesefjer efnle kes HetJe& cetue SJeb DevegebefieeeW kes Jee& nsleg mecesefkele Meg ueeYe
IeeSb : ceeFveesefjer efnle
ceeFveesefjer kes efnle keer keewleer kes yeeo Jee& kes efueS mecesefkele Meg ueeYe
pees[sb: DemeesefMeSdme kes Depe&ve ceW efnmmesoejer
IeeSb : DemeesefMeSdme ceW HetJe& DeJeefOe meceeeespeve - vees meb 7 kee meboYe& ueW
mecetn kee Jee& kes efueS mecesefkele ueeYe
pees[s: Deeies ueeee ieee mecetn kee mecesefkele ueeYe
efJeefveeespeve kes efueS GHeueyOe ueeYe
IV. efJeefveeespeve
efvecve kees Debleefjle :
meebefJeefOeke Deejef#ele efveefOe
jepemJe Deejef#ele efveefOe
kece&eejer keueeCe efveefOe
emleeefJele ueeYeebMe - DeefOeceeveer Mesej Hetbpeer
emleeefJele ueeYeebMe - FefkeJeer Mesej Hetbpeer
ueeYeebMe kej
pesHeerJeee mJewHe ketHeve Hej yeepe nsleg Deejef#ele efveefOe
efJeMese Deejef#ele efveefOe Oeeje 36(1)(viii) kes DeOeerve
legueveHe$e ceW ues peeF& ieF& Mese jeefMe
kegue
HeefleMesej Deee (` ceW)
HecegKe uesKeebkeve veerefleeeB
uesKeeW Hej efHHeefCeeeB
GHee&gkele meboefYe&le Devegmetefeeeb ueeYe SJeb neefve Keeles keer cenllJeHetCe& Ieke nQ.
Deeueeske b[ve
efveosMeke
iegceeve efmebn
efveosMeke
meveoer uesKeekeej
Yeeieeroej
meomelee meb.202352
meveoer uesKeekeej
Yeeieeroej
meomelee meb.050927
mLeeve : cegcyeF&
(000 es[kej)
31 ceee&, 2012
kees meceeHle Jee&
`
13
14
19,16,89,278
1,40,93,724
20,57,83,002
15,27,41,610
1,23,94,906
16,51,36,516
15
16
13,98,60,499
3,75,57,007
2,29,01,447
20,03,18,953
9,89,75,660
4,00,49,219
1,34,33,180
15,24,58,059
54,64,049
23,143
54,40,906
6,92,774
61,33,680
15,34,061
76,67,741
1,26,78,457
38,051
1,26,40,406
5,04,166
15,30,884
1,16,13,688
24,65,972
1,40,79,660
13,32,598
4,39,466
2,17,530
1,50,000
12,85,921
14,72,231
4,44,545
17,060
23,08,390
76,67,741
31,68,525
52,82,293
1,50,000
11,48,706
13,74,051
4,10,869
11,155
10,00,000
15,34,061
1,40,79,660
7.20
25.43
III.
ceee&, 2012 kees

meceeHle Jee&
`
kegue
eolle yeepe
Heefjeeueve Jee
31
17
18
Jeer.Deej.Deej
Deej.kes.ogyes
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
yepeueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.083899
meomelee meb.019603
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.075000
meomelee meb.088578
99
efoveebke 31 ceee&, 2012 kees mecesefkele legueve He$e keer Devegmetefeeeb

efJeJejCe
Devegmeteer 1 : Hetbpeer
DeefOekele Hetbpeer
efveie&efcele, DeefYeolle SJeb eolle Hetbpeer :
(kesv mejkeej eje Oeeefjle 582635426 iele Je<e&
324141460 Meseme&) meefnle Heefle ` 10 kes 736115416
FefkeJeer Meseme& (iele Je<e& 404141460)
Demebeeer, DeefJejle DeefOeceeve Mesej Hetbpeer
kegue
Devegmeteer 2 : Deejef#ele efveefOeeeb SJeb DeefOeMese
I. meebefJeefOeke Deejef#ele efveefOeeeb
(000 es[kej)
`
3,00,00,000
73,61,154
1,61,70,000
3,00,00,000
40,41,415
2,35,31,154
1,61,70,000
2,35,31,154
1,53,63,034
Hetbpeeriele Deejef#ele efveefOeeeb

i) Hegvece&tueve Deejef#ele efveefOe
efHeues legueve He$e kes Devegmeej Mese jeefMe
Jee& kes oewjeve keewleer
1,21,94,509
13,32,598
31,68,525
1,53,63,034
1,92,84,291
1,96,20,223
3,14,722
3,35,932
1,89,69,569
ii)

36,31,035
1,92,84,291
36,31,035
4,39,466
40,70,501
III.
Mesej eerefceece
73,60,000
36,31,035
73,60,000
3,11,07,132
3,84,67,132
IV.
Deee SJeb Deve Deejef#ele efveefOeeeb

Deee Deejef#ele efveefOeeeb
IeeSb : Jee& kes oewjeve keewefleeeb
pees[sb: Deve HeefjJeOe&ve
Oeeje 36 (1) (viii) Debleie&le efJeMes<e Deejef#ele efveefOeeeb

ueeYe SJeb neefve Keeles ceW Mese jeefMe
kegue
Devegmeteer 2 S: ceeFveesefjer efnle
peye cetue/Devegebieer mecyebOe efJekeefmele ngS,
Gme leejerKe kees ceeFveesefjer efnle
leoveblej Jeef/keceer
legueveHe$e keer leejerKe kees ceeFveesefjer efnle
73,60,000
2,14,07,834
1,61,47,295
2,17,530
52,93,448
51,778
49,820
16,911
2,15,73,586
10,17,060
22,98,889
10,30,92,369
V.
VI.
24,500
2,20,266
2,14,07,834
10,00,000
15,34,061
6,95,80,255
24,500
2,44,766
100
2,02,11,415
2,02,11,415
1,66,95,632
II.
2,11,244
2,35,744

efJeJejCe
Devegmeteer 3 : peceejeefMeeeb
S.I. ceebie peceejeefMeeeb
i) yeQkeeW mes
ii) Deve mes
II.
III.
yeele yeQke peceejeefMeeeb

meeJeefOe pecee jeefMeeeb
i) yeQkeeW mes
ii) Deve mes
kegue
yeer. i) Yeejle ceW efmLele MeeKeeDeesb keer peceejeefMeeeb
ii) Yeejle kes yeenj efmLele MeeKeeDeesb keer peceejeefMeeeb
Devegmeteer 4 : GOeejjeefMeeeb
I. Yeejle ceW GOeejjeefMeeeb
i) Yeejleere efj]peJe& yeQke
ii) Deve yeQke
iii) Deve mebmLeeve SJeb SpeWefmeeeb
iv) Dejef#ele eefleose yee@C[ (ieewCe $eCe)
v) DeHej efej (II)yee@C[
vi) veJeesvcese yesefceeeoer $eCe efueKele
Yeejle kes yeenj mes GOeejjeefMeeeb
kegue
GHee&gkele I SJeb (ii) ceW jef#ele GOeej jeefMeeeb Meeefceue nQ
Devegmeteer 5 : Deve oseleeSb SJeb eeJeOeeve
I. ose efyeue
II. Deblej keeee&uee meceeeespeve (Meg)
III. GHeefele yeepe
IV. DeemLeefiele kej oseleeSb (Meg)
V. Deve (eeJeOeeve meefnle)
kegue
Devegmeteer 6 : Yeejleere efj]peJe& yeQke kes Heeme vekeoer SJeb Mese
jeefMe
I. nmles vekeoer (efJeosMeer cege veeseW meefnle)
II. Yeejleere efj]peJe& yeQke ceW Mese jeefMe
eeuet KeeleeW ceW
Deve KeeleeW ceW
(000 es[kej)
`
21,56,771
35,79,786
12,49,25,021
15,06,27,180
12,70,81,792
52,59,46,590
15,42,06,966
47,64,49,389
3,33,25,436
2,70,66,607
1,27,59,99,385
1,13,60,62,494
1,30,93,24,821
1,96,23,53,203
1,96,23,53,203
-
1,16,31,29,101
1,79,37,85,456
1,79,37,85,456
-
25,00,700
25,604
64,770
3,74,04,716
5,80,80,269
2,63,73,000
2,13,73,000
2,88,50,000
2,88,50,000
58,30,000
58,30,000
10,09,84,020
2,82,01,941
12,91,85,961
Nil
II.
11,41,98,039
1,46,71,755
12,88,69,794
Nil
88,78,315
34,40,230
1,30,66,480
92,86,641
4552,028
14,64,918
5,68,58,513
8,33,55,336
5,26,01,856
6,67,93,645
1,66,77,013
92,58,726
13,05,62,327
10,00,000
10,00,000
11,44,65,463
13,11,42,476
101
6,67,93,645
8,33,55,336
11,34,65,463
kegue
13,15,62,327
14,08,21,053

efJeJejCe
Devegmeteer 7 : yeQkeeW ceW peceejeefMeeeb Deewj ceebie Je DeuHe metevee

Hej jeefMe
I. Yeejle ceW
i) yeQkeeW kes Heeme Mese jeefMe
(000 es[kej)
`
64,81,831
78,33,219
37,229
378
65,19,060
ii)
ceebie Je DeuHe metevee Hej jeefMe

S) yeQkeeW kes Heeme
yeer) Deve mebmLeeveeW kes Heeme
kegue.... I
Yeejle kes yeenj
meer) ceebie Je DeuHe metevee Hej jeefMe
kegue.... II
kegue.. (I + II)
Devegmeteer 8 : efveJesMe
I. *Yeejle ceW efveJesMe
i) mejkeejer eefleYetefleeeW ceW
ii) Deve Devegceesefole eefleYetefleeeb
iii) Meseme&
iv) ef[yeWeme& SJeb yee@C[me
v) DemeesefMeSdme ceW efveJesMe
vi) Deve (eterDeeF& Meseme& SJeb JeeefCeefpeke HesHeme& cetegDeue Heb[
etefvedme Deeefo)
78,33,597
-
65,19,060
78,33,597
II.
36,03,834
41,73,805
1,342
1,342
36,05,176
1,01,24,236
50,72,83,560
41,75,147
1,20,08,744
47,76,19,617
6,03,668
8,43,682
94,24,314
80,80,675
4,10,16,662
3,52,68,008
35,62,053
28,71,564
3,16,01,514
2,07,99,968
59,34,91,771
i)
ii)
kes yeenj efveJesMe

DemeesefMeSdme ceW efveJesMe
54,54,83,514
II. **Yeejle
kegue
* Yeejle ceW efveJesMe :
efveJesMe kee mekeue cetue
Meg efveJesMe
** Yeejle kes yeenj efveJesMe :
efveJesMe kee mekeue cetue
Meg efveJesMe
3,85,188
3,18,613
3,85,188
59,38,76,959
59,68,31,169
3,18,613
54,58,02,127
54,89,09,471
33,39,398
34,25,957
59,34,91,771
3,85,188
3,18,613
3,85,188
102
54,54,83,514
3,18,613

efJeJejCe

`
Devegmeteer 9 : $eCe SJeb Deefiece

S. i) Kejeros SJeb YegveeS ieS efyeue
ii) vekeo-GOeej, DeesJej[êHe SJeb ceebie Hej eefleose $eCe
iii) efceeeoer $eCe
kegue
yeer. DeefieceeW kes efJeJejCe :
i) cetle& DeeefmleeeW eje jef#ele
(yener $eCe kes efJe Deefiece meefnle)
ii) yeQke/mejkeejer ieejber eje jef#ele
iii) Dejef#ele
kegue
meer. DeefieceeW kee #es$eJeej JeieeakejCe
(I) Yeejle ceW Deefiece
i) eeLeefcekelee #es$e
ii) meeJe&peefveke #es$e
iii) yeQke
iv) Deve
kegue
(II) Yeejle kes yeenj Deefiece
Devegmeteer 10 : Deeue Deeefmleeeb
I. Heefjmej
(ueeiele Hej/Hegvece&tueebkeve ueeiele Hej)
efHeues Jee& 31 ceee& kees Mese jeefMe
kegue
Gkele efoveebke leke cetueeme
kegue. I
II. Deve Deeue Deeefmleeeb
(Heveeaej SJeb peg[veej meefnle)
efHeues Jee& keer 31 ceee& keer ueeiele Hej
kegue
Jee& kes oewjeve keewefleeeb/meceeeespeve
kegue
Gkele efoveebke leke cetueeme
kegue. II
kegue. (I + II)
(000 es[kej)
`
2,25,38,880
1,93,76,090
49,05,54,536
37,94,16,576
96,40,87,415
1,47,71,80,831
89,96,13,072
1,47,71,80,831
95,51,96,035
7,88,38,452
9,49,37,869
1,47,71,80,831
24,82,71,834
1,47,71,80,831
40,34,31,346
9,76,03,765
9,86,81,204
7,49,653
1,74,388
1,47,71,80,831
79,61,18,800
1,29,84,05,738
1,47,71,80,831
1,29,84,05,738
2,38,58,143
2,38,30,114
1,15,269
28,029
2,39,73,412
2,38,58,143
40,43,752
37,01,847
1,99,29,660
2,01,56,296
1,17,55,970
95,25,925
21,57,248
23,32,821
1,39,13,218
1,18,58,746
1,56,858
1,02,865
1,37,56,360
1,17,55,881
89,38,817
103
1,29,84,05,738
1,29,84,05,738
38,69,26,254
99,19,01,159
1,29,84,05,738
1,29,84,05,738
1,03,54,21,382
3,62,920,997
76,49,586
48,17,543
41,06,295
2,47,47,203
2,42,62,591

efJeJejCe

`
Devegmeteer 11 : Deve Deefmleeeb

I. GHeefele yeepe
II. Deefiece kej Yegieleeve/meesle Hej keee ieee kej (efveJeue eeJeOeeve)
III. msMevejer SJeb mwcHe
IV. oeJeeW kes efveHeeve Deefpe&le iewj yeQefkebie Deeefmleeeb
V. Deblej keeee&uee meceeeespeve (Meg)
VI. Deve
1,26,78,895
1,07,81,681
2,34,71,741
2,29,68,263
1,31,680
1,23,474
29,46,039
1,53,11,880
2,54,04,721
2,91,89,586
kegue
Devegmeteer 12 : Deekeefmceke oseleeSb
I. (S) yeQke kes efJe oeJes, efpevnW $eCe kes He ceW veneR ceevee ieee nw
(yeer) DeHeerue, Hegvejer#eCe Deeefo kes lenle Deee kej ceebie
II. DeebefMeke eolle efveJesMeeW kes efueS oselee
III. yekeeee Jeeeoe efJeosMeer cege mebefJeoeDeesb kes keejCe oselee
IV. ieenkeeW keer Deesj mes oer ieF& ieejbefeeb
S) Yeejle ceW
yeer)Yeejle mes yeenj
(000 es[kej)
6,46,33,076
7,83,74,884
6,46,33,076
7,83,74,884
15,56,441
18,15,342
1,42,45,860
60,16,360
5,78,649
41,64,74,984
28,80,54,433
7,06,31,212
6,36,70,949
55,18,890
30,78,445
mJeerkeefleeeb, Heebkeve leLee Deve oeefelJe

VI. Deve ceoW, efpevekes efueS yeQke Deekeefmceke He mes osveoej nw
kegue
V.
104
7,61,50,102
6,67,49,394
8,50,62,529
6,17,96,895
6,36,338
87,13,140
59,41,26,254
43,37,24,213
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS mecesefkele ueeYe SJeb neefve Keeles keer mebIeke Devegmetefeeeb
(000 es[kej)
efJeJejCe
efo.31ceee&, 2012
kees meceeHle Jee& nsleg
efo.31ceee&, 2011 kees

meceeHle Jee& nsleg
14,43,94,011
11,26,78,469
4,34,78,276
3,76,73,646
33,93,498
3,33,698
4,23,493
20,55,797
19,16,89,278
15,27,41,610
66,61,523
62,05,058
32,00,628
31,19,229
18,68,242
5,60,926
(4,092)
(1,084)
23,560
15,545
23,43,863
24,95,232
1,40,93,724
1,23,94,906
12,99,49,040
9,06,49,962
15,54,497
14,44,111
83,56,962
68,81,587
13,98,60,499
9,89,75,660
2,50,90,425
2,96,57,952
25,69,786
19,11,338
2,65,484
2,16,097
3,53,376
9,70,075
14,36,879
11,87,836
9,678
12,955
2,05,578
2,25,706
1,19,151
1,50,716
3,95,197
3,54,066
8,33,692
6,53,662
16,46,939
15,58,265
46,30,822
31,50,551
3,75,57,007
4,00,49,219
Devegmeteer 13 : Deefpe&le yeepe SJeb ueeYeebMe

I. DeefieceeW/efyeueeW Hej yeepe/yee
II. efveJesMeeW Hej Deee
III. Yeejleere efj]peJe& yeQke SJeb Deve Deblej yeQke efveefOeeeW keer MesejeefMe Hej yeepe
IV. Deve
kegue
Devegmeteer 14 : Deve Deee
I. keceerMeve, efJeefvecee SJeb oueeueer
II. efveJesMeeW keer efyeeer Hej ueeYe/(neefve) (Meg)
III. efJeefvecee uesveosveeW Hej ueeYe /(neefve) (Meg)
IV. Yetefce, YeJeveeW SJeb Deve DeeefmleeeW keer efyeeer mes ueeYe/(neefve) (Meg)
V. efveJesMeeW kes Hegvece&tueebkeve Hej ueeYe/(neefve)
VI. efJeosMe/Yeejle ceW mLeeefHele DevegebefieeeW Deewj DemeesefMeSdme mes ueeYeebMeeW Deeefo kes He ceW Deefpe&le Deee
VII. efJeefJeOe Deee
kegue
Devegmeteer 15 :eolle yeepe
I. peceejeefMeeeW Hej yeepe
II. Yeejleere efj]peJe& yeQke/Deblej yeQke GOeejjeefMeeeW Hej yeepe
III. Deve
kegue
Devegmeteer 16 :Heefjeeueve yee
I. kece&eeefjeeW kees Yegieleeve SJeb Gvekes efueS eeJeOeeve
II. efkejeee, kej SJeb efyepeueer
III. cegCe SJeb uesKevemeeceieer
IV. efJe%eeHeve SJeb eeej-emeej
V. yeQke keer mebHeefe Hej cetueeme
VI. efveosMekeeW keer Heerme, Yelles SJeb Keex
VII. uesKee Hejer#ekeeW keer Heerme SJeb Keex (MeeKee uesKeeHejer#ekeeW keer Heerme Je KeeeX meefnle)
VIII. efJeefOe eYeej
IX. [eke Kee&, leej, sueerHeesve Deeefo
X. cejccele SJeb jKe-jKeeJe
XI. yeercee
XII. Deve Keex
kegue
105
Devegmeteer 17 mecesefkele KeeleeW keer cenllJeHetCe& uesKeebkeve veerefleeeb

1.
leweej kejves kee DeeOeej :
mebueive mecesefkele efJelleere efJeJejefCeeeb (meerSHeSme) ueeYekeejer keejesyeej Jeeues mebmLeeve keer DeJeOeejCee kee DevegmejCe kejles ngS meeceeveleee HejbHejeiele ueeiele
efmeeble Hej leweej keer ieF& nQ. Jes Yeejle ceW meeceeveleee mJeerkele uesKeebkeve efmeebleeW (peerSSHeer) kes DevegHe nw, pees ueeiet meebefJeefOeke eeJeOeeveeW, Yeejleere efj]peJe&
yeQke (DeejyeerDeeF&) eje efJeefveefo& efJeefveeeceke ceeveob[eW, uesKeebkeve ceevekeeW (SSme) leLee Fbmeret Dee@@He ee&[& DekeeGvWmed (DeeF&meerSDeeF&) eje peejer
GoIeeseCeeDeesb leLee Yeejle kes yeQefkebie Geesie ceW eeefuele eLeeDeesb kees meceeefJe kejles nQ.
2.
eekekeueveeW kee GHeeesie :

eyebOeleb$e kees efJelleere efJeJejCeeW keer leweejer kejves ceW efJelleere efJeJejCe keer efleefLe kees metefele DeeefmleeeW SJeb oseleeDeesb (Deekeefmceke oseleeDeesb meefnle) keer jeefMe
leLee efjHeesef&bie DeJeefOe kes efueS metefele Deee SJeb JeeeW ceW eekekeueveeW Deewj HetJee&vegceeve kejves keer DeeJeMekelee nesleer nw. eyebOeleb$e kees en efJeMJeeme nw efke efJelleere
efJeJejCeeW keer leweejer ceW GHeeesie efkeS ieS eekekeueve efJeJeskemeccele SJeb mecegefele nQ.
3.
meceskeve eefkeee :
3.1
mecetn (2 DevegebefieeeW SJeb 8 DemeesefMeSdme kes meeLe [ 7 #es$eere ieeceerCe yeQkeeW meefnle ]) kes mecesefkele efJelleere efJeJejCeeW kees efvecveefueefKele DeeOeej Hej leweej efkeee
ieee nw:
S.
mesvûe yeQke Dee@@He Fbef[ee (cetue yeQke) keer uesKeeHejeref#ele efJelleere efJeJejefCeeeb
yeer.
DeeF&meerSDeeF& eje peejer uesKeebkeve ceeveke-21 mecesefkele efJelleere efJeJejCeeW kes Devegmeej, meYeer cenllJeHetCe& Deble:mecetn MeseeW/uesveosveeW, iewj Jemetues
ueeYe/neefveeeW kees meceeHle kejves kes HeMeele SJeb Fve DevegebefieeeW mes Gvekes mecyebefOele uesKeeHejer#ekeeW eje efJeefOeJele uesKeeHejeref#ele Deebke[esb kes DeeOeej Hej
cetue yeQke keer meceHe uesKeebkeve veerefleeeW kes DevegHe, peneb keneR DeeJeMeke jne nw, kee meceeeespeve kejves kes yeeo DeeefmleeeW, oseleeDeesb, Deee SJeb Jee
keer mebiele ceoeW kes meeLe Hebefkele oj Hebefkele meceskeve efkeee ieee nw.
meer. DemeesefMeSdme ceW efveJesMe, peneb mecetn kes Heeme 20% DeLeJee Gmemes DeefOeke kee celeoeve DeefOekeej eeHle nw Deewj Fmes DeeF&meerSDeeF& eje peejer uesKeebkeve
ceeveke-23 mecesefkele efJelleere efJeJejCeeW ceW DemeesefMeSdme ceW efveJesMe kes efueS uesKeebkeve kes Devegmeej FefkeJeer eCeeueer kee GHeeesie kejves kes efueS efvekeeuee
ieee nw leLee peneb meceeeespeve kejvee DeeJeMeke ngDee nw, meceeeespeve kejves kes HeMeele cetue yeQke keer SkeHe uesKeebkeve veerefleeeW kes meceveHe. Fb[es
peeefcyeee yeQke efueefces[, Ske DemeesefMeSdme, keer efJelleere efJeJejefCeeeb mLeeveere efJeefveeeceke DeeJeMekeleeDeesb/Deblej&eêre efJelleere efjHeesef&bie ceevekeeW kes
DevegHe leweej keer ieF& nQ. Fve DemeesefMeSdme mes eeHle efJelleere efJeJejefCeeeb ner Gvekes Fve mecesefkele efJeJejefCeeeW ceW meceeJesMeve kee mebHetCe& DeeOeej leweej
kejleer nQ.
3.2
4.
5.
mecesefkele DevegebefieeeW keer efveJeue DeeefmleeeW ceW ceeFveesefjer efnleeW ceW efvecve Meeefceue nw:
S.
Devegebieer ceW efkeS ieS efveJesMe keer efleefLe kees ceeFveesefjer kees DeejesHe FefkeJeer keer jeefMe, SJeb
yeer.
cetue yeQke SJeb Devegebieer kes mecyebOe DeefmlelJe ceW Deeves keer efleefLe mes FefkeJeer ceW ceeFveesefjer kes efnmmes ceW mebeueve.
efJeosMeer cege mes mecyebefOele uesve-osve :

S.
efJeosMeer cegeDeesb ceW ceewefke DeeefmleeeW Je oseleeDeesb kee efveOee&jCe Yeejleere efJeosMeer cege JeeHeej mebIe (Hes[eF&) eje Jee& keer meceeefHle Hej DeefOemetefele eeefuele
efJeefvecee oj Hej efkeee peelee nw leLee HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles ceW oMee&ee peelee nw.
yeer.
Deee SJeb Jee keer ceoeW kee efveOee&jCe uesve-osve keer leejerKe kees ueeiet efJeefvecee ojeW Hej efkeee peelee nw.
meer.
efJeosMeer cege ceW ieejber, meeKeHe$e, mJeerkeefleeeb, Heebkeve, leLee Deve oeefelJe Jee& keer meceeefHle Hej Hes[eF& eje DeefOemetefele ojeW Hej efveOee&efjle keer peeleer
nQ.
[er.
yekeeee Jeeeoe mebefJeoeSb Jee& keer meceeefHle Hej Hes[eF& eje DeefOemetefele ojeW Hej efveOee&efjle keer peeleer nQ Deewj HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles
ceW oMee&ee peelee nw.
efveJesMe :
5.1
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kes Devegmeej efveJesMeeW kees HeefjHekeJelee leke Oeeefjle, JeeHeej nsleg Oeeefjle leLee efJeee kes efueS GHeueyOe
esefCeeeW ceW Jeieeakele efkeee ieee nw. leLeeefHe, legueveHe$e ceW oMee&ves kes efueS efveJesMeeW kees efvecve Meere&keeW kes Debleie&le Jeieeakele efkeee ieee nw :
106
5.2
5.3
5.4
i)
ii)
iii)
iv)
v)
vi)
Deve Devegceesefole eefleYetefleeeb
Meseme&
ef[yeWeme& SJeb yee@C[dme
Devegebieer SJeb eeeesefpele mebmLeeveeW ceW efveJesMe SJeb
Deve (eterDeeF& MesejeW, JeeefCeefpeke HesHej SJeb cetegDeue Heb[ keer etefveme).
JeieeakejCe kee DeeOeej :
Kejero kes mecee efveJesMe kee JeieeakejCe efvecve esefCeeeW ceW efkeee peelee nw :
S) HeefjHekeJelee leke Oeeefjle
FveceW Jes efveJesMe Meeefceue nQ, efpevnW yeQke HeefjHekeJelee leke jKevee eenlee nw.
yeer) JeeHeej kes efueS Oeeefjle
eefleYetefleeeb, pees cegKe He mes Kejero keer leejerKe mes 90 efoveeW kes Yeerlej Hegve: efyeeer kes efueS jKeer peeleer nQ.
meer) efJeee kes efueS GHeueyOe
Jes efveJesMe pees GHee&gkele oes esefCeeeW ceW Jeieeakele veneR efkeS pee mekeles nQ.
esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe :
Yeejleere efj]peJe& yeQke kes efoMeeefveoxMeevegmeej, efveJesMeeW keer leerve esefCeeeW kes yeere eefleYetefleeeW kee DeblejCe/yeoueeJe DeblejCe keer leejerKe Hej DeefOeienCe ueeiele/yener
cetue leLee yeepeej cetue, FveceW mes pees kece nw, Hej uesKeeiele efkeee peelee nw. Ssmes DeblejCe Hej cetueeme, eefo keesF& nes, lees Gmekee HetCe&leee eeJeOeeve efkeee peelee nw.
cetueefveOee&jCe :
S) HeefjHekeJelee leke Oeeefjle :
Fme esCeer kes Debleie&le Jeieeakele efveJesMe kees DeefOeienCe ueeiele Hej cetueebefkele efkeee peelee nw. Debefkele cetue mes DeefOeke DeefOeienCe ueeiele/yener cetue kes
DeeefOekee kees HeefjHekeJelee keer Mese DeJeefOe kes efueS HeefjMeesefOele efkeee peelee nw.
yeer) efJeee kes efueS GHeueyOe :
Fme esCeer kes Debleie&le efveJesMeeW kees efleceener Deblejeue Hej efmeHeJeej yeepeej kes efueS efvecveJele efeefvnle efkeee peelee nw :
i)
kesv mejkeej keer eefleYetefleeeb
me@ke SkemeeWpe/SHeDeeF&SceSce[erS/ Heer[erSDeeF& eje Ieesefele yeepeej cetue Hej
HeefjHekeJelee Deee Hej efJeefveeespeve kes DeeOeej Hej
ii)
jepe mejkeej keer eefleYetefleeeb, kesv/
jepe mejkeej eje ieejverkele eefleYetefleeeb,
HeerSmeet yee@C[
iii) ^spejer efyeue/pecee-eceeCeHe$e/
jKeeJe ueeiele Hej
JeeefCeefpeke HesHej
iv) FefkeJeer Mesej
S ) Gle :
yeepeej cetue Hej
yeer) Devegle : eefle Mesej yener cetue Hej, eefo, veJeervelece (Ske Jee& mes Hegjevee veneR)
legueve He$e GHeueyOe nes, ee ` 1.00 eefle kebHeveer, eefo, veJeervelece
legueveHe$e GHeueyOe ve nes lees.
v)
DeefOeceeveer Mesej
S ) Gle :
yeepeej cetue Hej
vi) ef[yeWej SJeb yee@C[
S ) Gle :
yeepeej cetue Hej
vii) cetegDeue Heb[
S ) Gle :
yeepeej cetue Hej
yeer) Devegle : Hegve: ee cetue Hej ee Meg Deeefmle cetue (peneb Hegve: ee cetue
GHeueyOe ve nes)
viii) JeWej Hetbpeer
Ieesefele Meg HeefjmecHeefe cetue DeLeJee uesKee Hejeref#ele legueve-He$e kes DeeOeej Hej, Meg
HeefjmecHeefe kes efJeMuesef<ele Deebke[s, peesefke 18 ceen mes Hegjeves ve neW. eefo Meg HeefjmebHeefe
cetue / uesKee Hejeref#ele efJeeere HeefjCeece ueieeleej 18 ceen mes DeefOeke keer DeJeefOe kes efueS
GHeueyOe ve neW, leye eefle JeWej Hetbpeer efveefOe (JeermeerSHe) kes efueS ` 1/-.
eefleYetefle kes yener cetue kees meceeeesefpele efkeS yeiewj, eleske JeieeakejCe kes Debleie&le Meg cetueeme kee eeJeOeeve efkeee ieee nw SJeb Meg cetue Jeef kees
ieCevee ceW veneR efueee ieee nw.
107
meer. JeeHeej kes efueS Oeeefjle :

Fme esCeer kes Debleie&le Jeieeakele efveJesMeeW kee cetueebkeve ceeefmeke Deblejeue Hej yeepeej ojeW Hej, peneb GHeueyOe nQ, DeLeJee SHeDeeF&SceSce[erS eje Ieesefele
cetueeW Hej efkeee peelee nw. eefleYetefle kes yener cetue kees meceeeesefpele efkeS yeiewj eleske JeieeakejCe kes Debleie&le Meg cetueeme kee eeJeOeeve efkeee ieee nw
SJeb Meg cetue Jeef nw, kees ieCevee ceW veneR efueee ieee nw.
[er. DevegebefieeeW kes ceeceues ceW, efveJesMeeW kees Gvekeer ueeiele Hej efueee peelee nw.
5.5
ueeiele efveOee&jCe :
Yeeefjle Deewmele ueeiele Heefle kes DeeOeej Hej efveJesMe ueeiele efveOee&efjle keer ieF& nw.
5.6 Deee
efveOee&jCe :
S.
efveJesMeeW keer efyeeer/eefleoeve Hej ueeYe DeLeJee neefve kees ueeYe SJeb neefve Keeles ceW efueee ieee nw. leLeeefHe HeefjHekeJelee kes efueS Oeeefjle esCeer kes efveJesMeeW keer
efyeeer/eefleoeve Hej ueeYe kes ceeceues ceW, mecelegue jeefMe Hetbpeer eejef#ele efveefOe ceW efJeefveeesefpele keer ieeer nw.
yeer.
efveJesMeeW keer leerve esefCeeeW ceW mes efkemeer ceW Yeer Meeefceue eefleYetefleeeW kes mecyebOe ceW, peneb yeepe/cetue Oeve 90 efove mes DeefOeke mecee kes efueS yekeeee nw,
Jeneb Deee keer ieCevee veneR keer ieF& nw leLee iewj efveHeeoke DeefieceeW Hej ueeiet efJeJeskeHetCe& ceeveob[eW kes Devegmeej efkeS ieS efveJesMeeW kes cetueeme nsleg GHeegkele
eeJeOeeve efkeee ieee nw. Deefiece keer ekeefle kes ef[yeWej/yee@C[, DeefieceeW Hej ueeiet meeceeve efJeJeskeHetCe& ceeveob[eW kes DeOeerve jKes ieS nQ.
meer.
eefo yeQke kees ose yeepe SJeb/DeLeJee cetue Oeve ee Deve keesF& jeefMe 90 efove mes DeefOeke keer DeJeefOe kes efueS Deefleose jns, jepe mejkeej eje ieejberkele
$eCe peesefKece kees DeJeceeveke/mebefoiOe/neefve kes He ceW, pewmee Yeer ceeceuee nes, Jeieeakele efkeee ieee nw leLee efJeJeskemeccele ceeveob[eW kes Devegmeej DeeJeMeke
eeJeOeeve efkees ieS nQ.
[er.
eefleYetefleeeW keer Kejero Hej eeHle oueeueer, eeslmeenve jeefMe, $eCe mebyebOeer eejbefYeke Meguke Deeefo kees efveJesMeeW keer ueeiele ceW mes Ieeee ieee nw.
F&.
eefleYetefleeeW kes DeefOeienCe kes mecee efkeS ieS KeeeX pewmes oueeueer, Heerme, keceerMeve ee kejeW kees Deee ceW eYeeefjle efkeee ieee nw.
SHe. eefleYetefleeeW kes ee ee efyeeer Hej Kebef[le DeJeefOe kes yeepe kees Deee ceo ceevee ieee nw.
6.
[sjerJesefJpe
efJeeere neefve mes yeeeJe-JeJemLee kes efueS eegkele [sjerJesefJpe kees efvecveevegmeej uesKeebkeve efkeee ieee nw.
7.
S.
efpeveceW Debleefve&efnle Deeefmleeeb/oseleeSb yeepeej kees efeefvnle nQ, GvnW yeepeej efeefvnle ceevee ieee nw leLee HeefjCeeceer ueeYe/neefve kees ueeYe SJeb neefve Keeles ceW
efueee ieee nw.
yeer.
peneb Debleefve&efnle Deeefmleeeb/oseleeSb yeepeej cetue kees efeefvnle veneR keer ieF& nQ Gve ceeceueeW ceW, yeepe oj mJewHe, pees yeepe Oeeefjle DeeefmleeeW/oseleeDeesb
kee efJeeere neefve mes yeeeJe kejles nQ, GvnW GHeefele DeeOeej Hej uesKeeiele efkeee ieee nw.
meer.
mJewHe meceeefHle Hej ngS ueeYe DeLeJee neefve kees mJewHe kes Mese mebefJeoeiele DeJeefOe DeLeJee DeeefmleeeW/oseleeDeesb keer Mese DeJeefOe ceW mes, pees Yeer kece nes, kes
DeeOeej Hej efveOee&efjle efkeee peelee nw.
Deefiece :
S.
DeefieceeW kees ceeveke, DeJeceeveke, mebefoiOe DeLeJee neefve DeeefmleeeW kes He ceW Jeieeakele efkeee ieee nw leLee Fme mecyebOe ceW DeHesef#ele eeJeOeeve Yeejleere
efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe& ceeveob[eW kes Devegmeej efkeS iees nQ.
yeer.
Devepe&ke DeeefmleeeW (SveHeerS) ceW ngF& Jemetueer kees Henues yeepe ceW efJeefveeesefpele efkeee peelee nw. leLeeefHe, Jeeo oeej, ef[eerkele KeeleeW leLee mecePeewlee
ceeceueeW ceW Jemetueer Henues cetue Oeve ceW DeLeJee ef[eer/mecePeewles keer MeleeX kes Devegmeej efJeefveeesefpele keer ieF& nw.
meer.
Deefiece eeJeOeeveeW, DeeeHle yeepe SJeb GOeejkelee&Deesb mes Jemetue keer ieF& jeefMe pees efJeefJeOe Keeles ceW jKeer ieF& nw leLee meerpeererSmeDeeF&/F&meerpeermeer mes Jemetue
keer ieF& jeefMe kees Ieekej Deefiece oMee&es iees nQ.
ceeveke DeeefmleeeW kes efueS efkeee ieee eeJeOeeve Deve oseleeSb SJeb eeJeOeeve - (Deve) ceW Meeefceue nQ.
[er.
yeseer ieF& efJelleere DeeefmleeeW kee efveOee&jCe efvecveevegmeej efkeee ieee nw:
eefo efyeeer eeefHleeeb efveJeue yener cetue (SveyeerJeer) mes kece keercele Hej nw, lees Jen keceer ueeYe SJeb neefve Keeles kees eYeeefjle keer ieF& nw.
108

eefo efyeeer eeefHleeeb Meg yener cetue mes Gelej keercele Hej nw lees DeefOeMese eeJeOeeve Deve iewj-efveHeeoke efJelleere DeeefmleeeW keer efyeeer kes keejCe ngF&
keceer/neefve kees Hetje kejves kes efueS jKee ieee nw.
F&. mesv yeQke nesce HeeFveQme efueefces[ kes ceeceues ceW, jeêre DeeJeeme yeQke (SveSeyeer) eje efveOee&efjle efJeJeskemeccele ceeveob[eW kes DeeOeej Hej Deee efveOee&jCe
SJeb $eCe leLee DeefieceeW Hej eeJeOeeve efkeS peeles nQ.
SHe. mesv yeQke nesce HeeFveQme efueefces[ kes ceeceues ceW, DeeJeeme $eCeeW, nesce FefkeJeer $eCe, e@He-DeHe $eCe leLee mebHeefe kes efJe $eCe kee Yegieleeve cetueOeve
SJeb yeepe kees efceueekej meceeve ceeefmeke efkemleeW (F&SceDeeF&) kes eje efkeS peeles nQ. efmLej oj Jeeues $eCeeW kes mecyebOe ceW, efJelleere Jee& kes eejbYe ceW yekeeee
Mese jeefMe Hej yeepe keer ieCevee keer peeleer nw; DeefmLej oj Jeeues $eCeeW kes ceeceues ceW, efHeues ceen kes Debeflece efove kes yekeeee Mese jeefMe Hej eleske ceen
keer Henueer leejerKe kees yeepe keer ieCevee keer peeleer nw. pewmes ner mebHetCe& $eCe mebefJeleefjle nes peelee nw, F&SceDeeF& Meg nes peeleer nw. F&SceDeeF& Meg nesves kes
uebefyele jnles, HetJe&-F&SceDeeF& yeepe eleske ceen ose neslee nw.
8. Deeue Deeefmleeeb/cetueeme :
S. Deeue DeeefmleeeW (kecHetjeW kes Deefleefjkele, efpevekee cetueeme meerOeer keewleer Heefle Hej efkeee ieee nw) kee cetueeme cetueeefmele cetue eCeeueer
kes Debleie&le efvecve ojeW Hej efkeee ieee nw :
Heefjmej
Devegceeefvele peerJeve keeue kes DeeOeej Hej DeeOeeefjle HeefjJele&veere ojeW Hej
ii)
10%
Heveeaej, efueHe, megjef#ele pecee ke#e
iii)
20%
Jeenve
iv)
15%
Jeeleevegketueve eb$e, ketuej, eFHejeFj Deeefo
v)
33.33%
efmemce mee@HeJesej meefnle kebHetj
(DeefYeienCe Jee& kes oewjeve SefHuekesMeve mee@HeJesej kees Deee ceW eYeeefjle efkeee peelee nw.)
yeer. Gve DeeefmleeeW kes ceeceues ceW, efpevekee Hegvece&tueebkeve efkeee ieee nw, cetueeme Hegvece&tueve jeefMe Hej efkeee ieee nw leLee JeefMeerue cetueeme, pees Hegvece&tueve
jeefMe kes efueS Gejoeeer nw, Gmes Hegvece&tueve eejef#ele efveefOe ceW meceeeesefpele efkeee ieee nw.
meer. 30 efmelebyej leke DeeefmleeeW ceW HeefjJe&ve kes efueS Hetjs Jee& cetueeme kee eeJeOeeve efkeee ieee nw leLee Gmekes yeeo HeefjJeef&le DeeefmleeeW nsleg DeeOes Jee& kes
efueS eeJeOeeve efkeee ieee nw. 30 efmelebyej mes HetJe& yeseer ieF& DeeefmleeeW Hej cetueeme kee eeJeOeeve veneR efkeee ieee nw leLee 30 efmelebyej kes yeeo yeseer ieF&
DeeefmleeeW kes efueS De& Jee& kes efueS cetueeme kee eeJeOeeve efkeee ieee nw.
[er. HesJeeueer YetefceeeW kee cetue Hes keer DeJeefOe kes efueS HeefjMeesefOele efkeee peelee nw. Hegvece&tueve kes ceeceues ceW, cetue ueeiele Deewj Hegvece&tueve cetueeW kes Deblej kees
Hes keer yeekeer DeJeefOe kes efueS HeefjMeesefOele efkeee ieee nw Deewj Hegvece&tueve eejef#ele efveefOe ceW meceeeesefpele efkeee ieee nw.
F&. peneb Hej Yetefce Je Heefjmej kes cetue kees Deueie-Deueie kejvee mebYeJe veneR nw, Jeneb meefcceefele ueeiele Hej cetueeme ueieeee ieee nw.
SHe. DevegebefieeeW kes ceeceues ceW, Deeue DeeefmleeeW Hej cetueeme kebHeveer DeefOeefveece, 1956 keer Devegmeteer XIV ceW efJeefveefo& ojeW Hej meerOeer ueeFve eCeeueer Hej
ueieeee peelee nw.
9.
kece&eejer - ueeYe :
S. iesegFer SJeb HeWMeve efveefOeeeW ceW Jeeefe&ke DebMeoeve kee efveOee&jCe yeerceebefkeke cetueebkeve DeeOeej Hej efkeee nw. HeWMeve efveefOe kes efueS DebMeoeve HeefjYeeefele ueeYe
eespevee kes Debleie&le efkeee ieee nw.
yeer. Deefpe&le ger kes efueS oseleeDeesb kee eeJeOeeve yeerceebefkeke cetueebkeve kes DeeOeej Hej efkeee ieee nw.
meer. Gve kece&eeefjeeW kes mecyebOe ceW efpevneWves YeefJee efveefOe eespevee nsleg efJekeuHe efoee nw, mecelegue kee DebMeoeve efkeee ieee nw.
[er. yeQke ves DeHeveer uesKee yeefneeW ceW, kece&eejer ueeYe mes GlHevve oseleeDeesb kees yeeOeleeDeesb kes Jele&ceeve cetue legueve He$e ceW eespevee DeeefmleeeW kes Gefele cetue
kees Ieekej oMee&ee nw.
F&. mesv yeQke nesce HeeFveQme efue. kes ceeceues ceW iesegFer jeefMe kee eeJeOeeve yeerceebefkeke cetueebkeve kes DeeOeej Hej efkeee ieee nw Deewj Yeejleere peerJeve yeercee
efveiece kes mecetn HeefjHekeJelee eespevee ceW efveJesMe efkeee ieee nw.
10. Deee SJeb Jee keer Heneeve :
S. peye leke DeveLee metefele veneR efkeee ieee nes, Deee SJeb Jee keer ceoeW kees GHeefele DeeOeej Hej uesKeeiele efkeee peelee nw.
yeer. Yeejleere efj]peJe& yeQke eje efveOee&efjle efJeJeskeHetCe& ceeveob[eW kes Devegmeej Devepe&ke DeeefmleeeW Hej Deee eeHle nesves Hej Gmekeer ieCevee Deee ceW keer ieF& nw.
i)
109
meer.
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kes DevegHe, eefo keesF& Yeer ceo, pees ueeYe SJeb neefve uesKes ceW uesKeeiele efkeS kegue Deee/kegue Keex kes Ske
eefleMele mes DeefOeke nw, lees Gmekee DeJeefOe HetJe& ekeerkejCe efkeee peelee nw.
[er.
Yeejleere efj]peJe& yeQke eje peejer efoMeeefveoxMeeW kes DevegHe Deefleose peceeDeesb Hej ose yeepe nsleg eeJeOeeve efkeS peeles nQ.
F&.
keceerMeve (mejkeejer JeJemeee kes es[kej), efJeefvecee, uee@kej efkejeee leLee yeercee oeJes Jemetueer/ efveHeeve nesves Hej uesKeeiele efkeee peelee nw.
SHe. Mesej efveie&ce kes JeeeW kees 5 JeeeX kes efueS efleceener DeeOeej Hej HeefjMeesefOele efkeee peelee nw.
11.
Deee kej :
Fme Jee& kes efueS kej nsleg eeJeOeeve ceW DeemLeefiele kej leLee ueeiet kej keevetve kes Devegmeej Jele&ceeve kej oselee keer ieCevee keer ieF& nw, pees kej eesie Deee leLee
uesKee Deee kes yeere mecee Deblej keer Heneeve kejles nQ, pees Ske mecee ceW eejbYe nesles nQ leLee Ske ee DeefOeke leovevlej DeJeefOe ceW eleeJeefle&le nesles nQ. DeemLeefiele
kej DeeefmleeeW keer leye leke Heneeve veneR keer peeleer nw peye leke efke JeemleefJeke efveefelelee ve nes, Heee&Hle YeeJeer kej eesie Deee, Ssmes DeemLeefiele kej
DeeefmleeeW keer Jemetueer kes mece#e GHeueyOe nesieer.
12.
eefle Mesej Deee :

Yeeefjle Deewmele eCeeueer Hej DeeF&.meer.S.DeeF&. eje peejer uesKeebkeve ceeveke 20 kes Devegmeej, cetue yeQke DeeOeejYetle SJeb [eFuets[ eefle FefkeJeer Mesej Deee
keer ieCevee keer peeleer nw.
110
Devegmeteer 18 - mecesefkele KeeleeW keer mebIeke efHHeefCeeeb:

1.
mecesefkele efJelleere efJeJejefCeeeW kees leweej kejves ceW Meeefceue Devegebefieeeb SJeb DemeesefMeSdme.
Fve mecesefkele efJelleere efJeJejefCeeeW ceW mesvûe yeQke Dee@@He Fbef[ee(cetue yeQke), Fmekeer oes Devegebefieeeb SJeb cetue yeQke eje eeeesefpele 7 #es$eere ieeceerCe yeQkeeW(DeejDeejyeer)
kes DemeesefMeSdme leLee Fb[es ]peeefcyeee yeQke efueefces[ (meecetefnke He mes Fmes mecetn kes He ceW meboefYe&le efkeee ieee nw) kees Meeefceue efkeee ieee nw, efpevekee
efJeJejCe efvecveevegmeej nQ :
Devegebieer/DemeesefMeSdme kee veece
efveieceve-osMe
efoveebke 31 ceee& 2012

kees mJeeefcelJe efnle
efoveebke 31 ceee& 2011

kees mJeeefcelJe efnle
mesv yeQke nesce HeeeveWme efueefces[(meeryeerSeSHe)(Devegebieer)
Yeejle
59.50%
59.50%
meW yeQke HeeeveWefMeeue meefJe&mespe efueefces[(Devegebieer)
Yeejle
100.00%
100.00%
meleHeg[e vece&oe #es$eere ieeceerCe yeQke(DemeesefMeSdme) efboJee[e
Yeejle
35.00%
35.00%
mejiegpee #es$eere ieeceerCe yeQke (DemeesefMeSdme) DebefyekeeHegj
Yeejle
35.00%
35.00%
Gllej efyenej ieeceerCe yeQke(DemeesefMeSdme) cegpeHeHejHegj
Yeejle
35.00%
35.00%
efJeoYe& #es$eere ieeceerCe yeQke (DemeesefMeSdme) Dekeesuee,
Yeejle
35.00%
35.00%
yeefueee FeJee ieeceerCe yeQke (DemeesefMeSdme) yeefueee
Yeejle
35.00%
35.00%
ne[ewleer #es$eere ieeceerCe yeQke (DemeesefMeSdme) keese
Yeejle
35.00%
35.00%
Gllejyebie #es$eere ieeceerCe yeQke (DemeesefMeSdme) keteefyenej
Yeejle
35.00%
35.00%
peeefcyeee
20.00%
20.00%
Fb[ess ]peeefcyeee yeQke efueefces[(DemeesefMeSdme)
DevegebefieeeW SJeb DemeesefMeSdme keer efJelleere efJeJejefCeeeb efpevekee meceskeve ceW GHeeesie efkeee ieee nw GvnW Yeer cetue yeQke keer efjHeesef&bie efleefLe DeLee&le 31.03.2012
kes efuees nw.
2.
mecesefkele efJelleere efJeJejefCeeeW kees leweej kejves ceW keg ceeceueeW ceW meceeve uesveosve ceoeW kes efuees mebyebefOele Devegebieer keer efYevve uesKeebkeve veerefleeeW kees DeHeveeee
ieee nw, efpevekeer mecegefele peevekeejer kes DeYeeJe ceW mecegefele meceeeespeve veneR efkeee ieee nQ, eyebOeleb$e keer ef ceW en cenlJeHetCe& veneR nw.cetue yeQke keer leguevee ceW
Deveg<ebefieeeW eje efpeve ceoeW kes mebyebOe ceW efYevve uesKeebkeve veerefleeeb DeHeveeF& ieeer nQ Gvekes efJeJejCe efvecveevegmeej nw:
efJeJejCe
cetue yeQke
mesv yeQke nesce HeeeveWme efue.

(Deveg.)
mesv yeQke HeeeveWefMeeue

meefJe&mespe efue.(Deveg)
cetueeme
cetueeme keer ieCevee meerOeer jsKee

kecHetjeW kes DeueeJee efuees efpeveceW
cetueeme keer meerOeer jsKee Heefle kees Heefle kes DeeOeej Hej keer ieeer nw
DeHeveeee nw. yeQke ves cetueeefmele cetue eYeeefjle cetueeme ` 8.86 ueeKe
eCeeueer kees DeHeveeee nw,
cetueeme keer ieCevee meerOeer jsKee

Heefle kes DeeOeej Hej keer ieeer
nw eYeeefjle cetueeme ` 6.30
ueeKe
DeJekeeMe vekeoerkejCe kes efuees

eeJeOeeve
yeerceebefkeke DeeOeej Hej
Deieues Jee& mes ueeiet
3.
cetue yeQke
3.1
Hetbpeer :
3.1.1 yeQke
kebHeveer eje cetueebefkele ` 3.03

ueeKe
keer DeefOekele Hetbpeer ` 3000 kejes[.

111
yeQke keer eolle Hetbpeer ` 2021.14 kejes[ mes ye{kej Deye ` 2353.11 kejes[ nw pees ` 242.46 kejes[ kes jeF FMet kes ceeOece mes Jele&ceeve MesejOeejkeeW
kees eefle Mesej ` 93/- eerefceece Hej FefkeJeer Mesej peejer kejves mes ngF& nw. Deewue 2011 ceW MesejOeejkeeW kees Fvekee Deeyebve ngDee Lee. Fmekes meeLe ner yeQke ves
Yeejle mejkeej SJeb Yeejleere peerJeve yeercee efveiece kees eefle Mesej ` 95.61 kes eerefceece mes ` 89.51 kejes[ kes FefkeJeer MesejeW kes DeefOeceeveer efveie&ce kes ceeOece
mes DeHeveer FefkeJeer ye{eF& nw.
3.1.2 ieewCe $eCe :
Jee& kes oewjeve, yeQke ves Dejef#ele eefleose yee@C[ peejer kej iele Jee& efej II Hetbpeer(ieewCe $eCe) kes Debleie&le ` 500 kejes[ eeHle efkees efpememes en ye{kej
2637.30 kejes[ ngF& (iele Jee& 2137.30 kejes[) SJeb DeHej efej II yee@C[me ` 2885.00 kejes[ kes nw(iele Jee& 2885.00 kejes[)
3.2 yeefneeW kee meblegueve /efceueeve:
efvecveefueefKele ceoeW kee efceueeve eieefle Hej nw :
- Deblej MeeKee/keeee&uee Mese
- mejkeejer (kesv SJeb jepe) uesve osve kes Keeles
- Deblej yeQke Keeles
- eCeeueer Geble Keelee
- Geble Keelee
- meceeMeesOeve SJeb Deve meceeeespeve Keeles
- SerSce mes mebyebefOele Mese
- meebkesefleke KeeleeW ceW efJeefMe Mese
eyebOeve kee cele nw efke KeeleeW Hej meceie eYeeJe, eefo keesF& nw lees Jen DeefOeke cenlJeHetCe& veneR nesiee.
3.3 Deeekej / DeemLeefiele kej :
3.3.1 Fme Jee& kes efuees Deeekej kee eeJeOeeve mebiele meebefJeefOeke eeJeOeeveeW Deewj efJeJeeefole ceeceueeW Hej veeemebiele efveCe&eeW kes Heefjes#e ceW efJeeej efJeceMe& kes yeeo efkeee
ieee nw, iele Jee& kes Meg DeeefOekee eeJeOeeve ` 112.38 kejes[ kees JeeHeme efueee ieee nw.
3.3.2 Deve DeeefmleeeW [Devegmeteer 11(ii)] ceW ` 1424.58 kejes[ (efHeues Jee& ` 601.64 kejes[) Meeefceue nQ, pees yeQke eje efJeJeeefole Deeekej nsleg Yegieleeve efkeee
ieee DeLeJee Deeekej efJeYeeie eje meceeeesefpele efkeee ieee, kes meboYe& ceW nw. kejejesHeCe kes Ssmes efJeJeeefole ceeceueeW Hej eeJeOeeve kee efJeeej veneR efkeee ieee nw pees
Gkele efJeefYevve veeefeke efveCe&eeW/HejeceMe&keeW DeeOeej Hej DeeJeMeke veneR mecePee ieee nw.
3.3.3 efJeJeeo kes Debleie&le Yegieleeve efkees iees ` 1424.58 kejes[ kes kej ceW mes, efJeefYevve efveOee&jCe JeeeX mes mebyebefOele efJeJeeoeW ceW Meeefceue ` 4.82 kejes[ keer kej
jeefMe,DeHeeruekelee& eeefOekeeefjeeW eje yeQke kes He#e ceW efveCeeale keer ieeer nw. Fmekes efuees DeHeerue kee eYeeJe uebefyele nw.
3.4 Mesej efveie&ce kes Kee&:
Mesej efveie&ce KeeeX keer ` 1.31 kejes[(efHeues Jee& ;6.72 kejes[) keer DeHeefjMeesefOele jeefMe Deve DeeefmleeeW ceW Meeefceue keer ieeer nw.
3.5 Heefjmej:
3.5.1 efoveebke 31.03.2008 kees yeepeej cetue oMee&ves kes efuees yeQke kes HeefjmejeW kee Hegvece&tueebkeve efJelleere Jee& 2007.08 kes oewjeve efkeee ieee. cetue Jeef jeefMe `
1565.97 eejef#ele efveefOe Keeles ceW pecee keer ieeer nw.
3.5.2 yeQke kes mJeeefcelJe Jeeues HeefjmejeW ceW ` 9.95 kejes[ (efHeues Jee& 12.21 kejes[,) keer ueeiele keer mebHeeflle Meeefceue nw, efpemes ` 122.31 kejes[ (efHeues Jee&
`198.46 kejes[) Hej Hegvece&tueebefkele efkeee ieee nw. Fmekes efuees HebpeerkejCe DeewHeeeefjkeleeeW DeYeer eieefle Hej nQ.
3.6 Deefiece / eeJeOeeve :
3.6.1 HeeseCe/HegveJe&meve/HegveefJe&veeme keee&ece kes Debleie&le Deeves Jeeueer FkeeFeeW meefnle iCe FkeeFeeW kees efoes iees Deefiece Deewj mebefoiOe/neefve DeeefmleeeW ceW Jeieeakele
Deve DeefieceeW kees Gme meercee leke jef#ele/Jemetueer eesie ceevee peelee nw, efpelevee yeQke kes Heeme yebOeke jKeer ieeer mecHeefleeeW/DeeefmleeeW efpeve Hej yeQke kee eLece
DeLeJee efleere eYeej nw, Gve eefleYetefleeeW kes cetueebkekeeW eje oMee&es Devegceeefvele Jemetueer eesie cetue SJeb yeQke ceW GHeueyOe Deve Deebke[esb kes Devegmeej cetue
Devegceeefvele nw.
3.6.2 eeuet Jee& ceW, Yeejleere efjpeJe& yeQke eje peejer efoMeeefveoxMeeW kes DevegHe Meg SveHeerS keer ieCevee kes efuees mekeue SveHeerS ceW mes ` 312.42 kejes[ (efHeues Jee&
312.42 kejes[) kes DemLeeeer eeJeOeeve kee MegefkejCe meceeeespeve efkeee ieee nw.
112

3.6.3 Des SJeb jef#ele ceeves iees DeefieceeW ceW DeeF&yeerS eje peejer (iewj eeLeefcekelee #es$e) etefveHee@ce& kees[ ieJeefve&ie Fbj yeQke Heeef&efmeHesMeve eje DeefOeMeemeer DeeF&yeerHeermeer
ceW ` 3000 kejes[(efHeues Jee& ` 2000 kejes[) SJeb DeejDeejyeer eje peejer DeeF&yeerHeemeer ceW kegue ` 2080 kejes[(efHeues Jee& 1440 kejes[) (eeLeefcekelee
#es$e/ele#e keefe) kee efveJesMe Meeefceue nw.

4.
uesKeebkeve ceevekeeW kee DevegHeeueve
Fbmeret Dee@@He ee&[& DekeeGvW Dee@@He Fbef[ee eje peejer uesKeebkeve ceevekeeW kes eeJeOeeveeW kee efvecveefueefKele ekeerkejCe efkeee nw:
4.1 uesKeebkeve ceeveke 9
cetue uesKeebkeve veerefle veb. 10 kes Devegmeej Gieener kes DeeOeej Hej keg Deee keer efJeefMe ceoeW kees efeefvnle efkeee ieee nw, eeefHe Fme Deee kees DeefOeke cenlJeHetCe&
veneR ceevee ieee nw.
4.2 uesKeebkeve ceeveke 15 (mebMeesefOele) cetue yeQke
4.2.1 efHeues Jee& Yeejleere efjpeJe& yeQke kes HeefjHe$e veb. [eryeerDees[er veb.yeerHeer.yeermeer.80/21.04.018/2010-11 efoveebke 09.02.11 kes Devegmeej,yeQke ves HeWMeve efJekeuHe
kees Hegve: Gve Jele&ceeve kece&eeefjeeW kes efuees, efpevneWves HetJe& ceW HeWMeve eespevee kes efuees efJekeuHe veneR efoee Lee, Keesueves mes GlHevve Deefleefjkele oseleeesb kes meeLe meeLe
ieseter meercee Jeef keer oseleeesb kees 31 ceee& 2011 mes DeejcYe efJelleere Jee& mes Heebe JeeeX kes efuees kes HeefjMeesOeve kes efJekeuHe kees egvee nw, leoevegmej 1 Deewue
2011 kees DeHeefjMeesefOele jeefMe ` 1181.53 kejes[ kes efJe yeQke ves 31 ceee& 2012 kees meceeHle Jee& kes efuees ` 239.98 kejes[ keer DevegHeeefleke jeefMe HeWMeve
kes efuees SJeb ` 55.44 kejes[ ieseter kes efuees HeefjMeesefOele keer nw. YeefJe<e ceW HeWMeve kes efuees ` 719.95 kejes[ SJeb ieseter kes efuees ` 166.20 kejes[ keer
jeefMe HeefjMeesefOele keer peeveer nw. eefo Yeejleere efjpeJe& yeQke ves Fme uesKeebkeve HeCeeueer kees ueeiet veneR efkeee neslee lees SSme-15 keer DeHes#eeDeesb kes Devegmeej yeQke kee
ueeYe ` 886.15 kejes[ kece nes peelee.
4.2.2 kece&eejer ueeYe - cetue yeQke
yeerceebefkele cetueebkeveeW kes DeeOeej Hej HeWMeve SJeb ieseter ueeYeeLe& HeefjYeeefele ueeYe oeefelJeeW kes Jele&ceeve cetue kee eejbefYeke SJeb Debeflece Mese efceueeve veeres
efoee ieee nw:
(` kejes[ ceW)
efJeJejCe
efoveebke 31 ceee& 2012 kees
meceeHle Jee&
meceeHle Jee&
HeWMeve
ieseter
HeWMeve
ieseter
efoveebke 31 ceee& 2012 kees HeefjYeeefele ueeYe oeefelJe oseleeeW
eejbefYeke oeefelJe
5997.12
1047.34
2856.49
751.89
mesJee ueeiele
125.72
39.70
70.54
40.78
yeepe ueeiele
498.13
83.24
222.98
58.39
yeerceebefkeke (ueeYe/neefve)
441.59
(63.58)
335.48
44.95
eolle ueeYe
(525.00)
(215.48)
(279.44)
(125.67)
iele mesJee ueeiele(HeefjMeesefOele/Deefveefnle)
1199.91
277.00
iele mesJee ueeiele(efveefnle ueeYe)
569.62
-kees oselee DeblejCe
1021.54
-efoveebke 31 ceee& 2012 kees oeefelJe
6537.56
891.22
5997.12
1047.34
(` .kejes[ ceW)
meceeHle Jee&
meceeHle Jee&
efJeJejCe
HeWMeve
ieseter
HeWMeve
ieseter
efoveebke 31ceee& 2012 kees Gefele cetue Hej eespevee Deeefmleeeb
Gefele cetue Hej eejbefYeke eespevee Deeefmleeeb
4228.00
832.89
2269.03
808.40
413.53
72.41
257.54
65.25
29.25
(14.29)
(130.67)
14.91
DebMeoeve
1203.61
180.00
1090.00
70.00
eolle ueeYe
(525.00)
(215.48)
(279.44)
(125.67)
Deve veeme mes DeblejCe
1021.54
-Gefele cetue Hej eejbefYeke eespevee DeeefmleeeWb
5349.39
855.53
4228.00
832.89
113
(` kejes[ ceW )
efJeJejCe

meceeHle Jee&
HeWMeve
ieseter
efoveebke 31 ceee& 2011 kees meceeHle Jee& kes efuees ueeiele

mesJee ueeiele
yeepe ueeiele
iele mesJee ueeiele(HeefjMeesefOele/Deefveefnle)
iele mesJee ueeiele(efveefnle ueeYe)
Meg ueeiele
HetJee&vegceeve
125.72
498.13
(413.53)
240.00
412.34
862.66
efJeJejCe
39.70
83.24
(72.41)
55.40
(49.29)
56.64

meceeHle Jee&
HeWMeve
ieseter

meceeHle Jee&
HeWMeve
ieseter
70.54
222.98
(257.54)
239.98
569.62
466.15
1311.73
40.78
58.39
(65.25)
55.40
--
30.04
119.36

meceeHle Jee&
HeWMeve
ieseter
8%
8%
8%
8%
yeepe oj
4%
4%
4%
4%
Jesleve Jeef oj
8%
8%
8%
8%
eespevee DeeefmleeeWW Hej eefleHeue keer Devegceeefvele oj
4.2.3 meeryeerSeSHe efue. ves DeHeves kece&eeefjeeW keer mecesefkele ieseter oselee kees keJej kejves kes efuees Yeejleere peerJeve yeercee efveiece kes Heeme mes Hee@efuemeer ueer nw leLee Fme
Hee@efuemeer Hej eolle eerefceece jeefMe kees ueeYe SJeb neefve Keeles ceW eYeeefjle efkeee ieee nw, efoveebke 31 ceee& 2011 kees kece&eeefjeeW kes meeefOekeej DeJekeeMe kes Mese
Hej DeJekeeMe vekeoerkejCe oselee kes eeJeOeeve keer ieCevee keer ieeer nw.
4.3 uesKee ceeveke 17 - Keb[ efjHeesef&bie
31 ceee& 2012 kees meceeHle Jee& keer Keb[ efjHees&
(` ueeKe ceW)
e.
efJeJejCe
31.03.12 kees meceeHle
31.03.11 kees meceeHle
uesKeeHejeref#ele
uesKeeHejeref#ele
S. Keb[ Deee
496407
264456
469530
538433
2. efjsue yeQefkeie Heefjeeueve
1092507
829577
3. meceefiele yeQefkeie Heefjeeueve
2078
3383
4. Deve yeQefkeie Heefjeeueve
4004
20177
5. Deveeyebefle
2064526
1656026
kegue
yeer. Keb[ HeefjCeece
265688
160895
7574
20487
11008
47412
2078
1498
286348
230292
kegue
4004
20177
meer. Deveeyebefle Deee/(Jee)
290352
250469
[er. Heefjeeueve ueeYe
216957
93223
F&. eeJeOeeve SJeb DeekeefmcekeleeeW
12058
41109
SHe. Deeekej
61337
116137
peer. efveJeue ueeYe
114

e.
efJeJejCe
31.03.12
kees meceeHle
uesKeeHejeref#ele
Se.
i.
1.4
31.03.11
kees meceeHle
uesKeeHejeref#ele
Deve peevekeejer
Keb[ Deeefmleeeb
2674274
2534145
5766990
5251988
14341066
12974138
0
1774
235298
235304
5. Deveeyebefle Deeefmleeeb
23017628
20997349
kegue
pes. Keb[ oeefelJe
7373961
3305900
4109690
4647783
10219774
11923613
0
1268
1314203
1118785
5. Deveeyebefle oeefelJe
23017628
20997349
kegue
i)
Yeejleere efjpeJe& yeQke kes mebMeesefOele efoMeeefveoxMeeW kes Devegmeej mecetn ves ^spejer HeefjeeueveeW,kee@Heexjs/Leeske yeQefkeie, efjsue yeQefkeie Deewj Deve yeQefkebie
JeJemeee kees eeLeefceke efjHeesef&ie Keb[eW ceW Meeefceue efkeee nw.keesF& Yeer efleereke efjHeesef&ie Keb[ veneR nw.
ii)
^spejer HeefjeeueveeW ceW mejkeejer leLee Deve eefleYetefleeeW,cege yeepeej Heefjeeueve leLee Hee@jskeme mebyebOeer HeefjeeueveeW kes uesveosve Meeefceue nw.
iii) Kegoje yeQefkeie #es$e ceW ` 5 kejes[ (efveefOe DeeOeeefjle leLee iewj efveefOe DeeOeeefjle efveJesMe meefnle) keer meercee leke kes meYeer efveJesMe Meeefceue nw,en DeefYecegKeleeSb,
GlHeeo, iesvegueefjer ceeveob[ leLee Jeweefkeleke efveJesMe kes DeOeerve nw.
iv) kee@Heexjs/meceie #es$e ceW ^m/Yeeieeroej Hece&, kebHeefveeeW leLee meebefJeefOeke efvekeeeeW kes Jes meYeer Deefiece Meeefceue nw, pees efke Kegoje yeQefkebie kes lenle Meeefceue
veneR efkeS iees nQ .
v)
Deve yewefkebie #es$e ceW Jes meYeer Deve yeQefkebie Heefjeeueve Meeefceue nw, pees GHee&gkele leerveeW esefCeeeW ceW Meeefceue veneR nw.
vi) meeceeve yeQefkebie Heefjeeueve ecegKe mebmeeOeve mebienCe FkeeF& nw leLee ^spejer #es$e, eegkele Deewmele Heb[ kees ieCevee ceW uesles ngS GOeej oer ieeer efveefOeeeW kes
efuees Hetjke kee keee& kejlee nw.
vii) ueeiele kee Deeyebve :
S
Ske efJeefMe #es$e mes mebyebefOele Keex meerOes Gme #es$e kees Deeyebefle efkees iees nQ.
yeer Ske efJeefMe #es$e mes meerOes mebyebOe ve jKeves Jeeues Keex kees efveeesefpele Heb[ kes meceevegHeele ceW Deebyeefle efkeee ieee nw.
uesKeebkeve ceeveke 18 - mebyebefOele Heeea ekeerkejCe:
I.
mebyebefOele Heeef&eeW keer meteer - cetue yeQke
(S) ecegKe eyebOekeere HeoeefOekeejer veece
Heoveece
i)
eer Sme.eerOej ( 31.05.2011 leke)
ii)
eer ceesnve Jeer.ebkemeeues( 29.06.2011 mes)
iii) eerceleer Jeer.Deej.Deej
iv) eer Deej.kes.ogyes
(yeer) Devegebefieeeb i)
ii)
mesv yeQke nesce Heeevesvme efueefces[.

mesv yeQke HeeeveWefMeeue meefJe&mespe efueefces[.
115
(meer) DemeesefMeSdme
(I)
#es$eere ieeceerCe yeQke i)
ii)
mejiegpee #es$eere ieeceerCe yeQke,DebefyekeeHegj
iii) Gllej efyenej ieeceerCe yeQke, cegpeHeHejHegj
iv)
efJeoYe& #es$eere ieeceerCe yeQke,Dekeesuee
v)
vi)
ne[ewleer #es$eere ieeceerCe yeQke,keese
vii) Gllejyebie #es$eere ieeceerCe yeQke,keteefyenej
(II) Fb[es - peeefcyeee yeQke efueefces[.
II.
mecye Heeef&eeW kes meeLe uesve osve:

(S)
ceo
ecegKe eyebOekeere DeefOekeejer
2011 -2012
eolle Heeefjeefceke
(yeer) mecye Heeef&eeW kes uesve-osve kee efJeJejCe:
ece
mebKee
mebye Heeef&eeb
(` ueeKe ceW)
2010-2011
66.50
58.14
(` kejes[ ceW)
efvecve
efveJesMe
$eCe DeeefmleeeW keer $eCe DeeefmleeeW keer efyeeer #es.iee.yeQ.kees $eCe
DeeF&yeerHeermeer kes Debleie&le menYeeefielee
efoveebke
Kejero
JeJemLee
kees mebeeer Jee& kes yekeeee eeHle efyeeer jeefMe eoe yeepe jeefMe eoe eJele&ke yeQke kees ele#e eJele&ke yeQke mes iewjoewjeve jeefMe yeepe
yeepe keefe DeeefmleeeW keer efyeeer eeLeefcekelee#es$e ee
DeefOekelece
yekeeee eJele&ke yeQke yekeeee eJele&ke yeQke
jeefMe kees eoe jeefMe mes eeHle
yeepe
yeepe
meleHeg[e vece&oe #es$eere

ieeceerCe yeQke
31.03.12
34.64
34.64
0.00
0.00
0.00
0.00
0.00
0.00
380.00
7.40
380.00
8.51
31.03.11
27.64
27.64
0.00
6.63
0.00
6.63 200.23
5.67
150.00
0.00
150.00
0.00
mejiegpee #es$eere ieeceerCe yeQke
31.03.12
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
80.00
2.22
80.00
2.55
31.03.11
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
45.00
0.00
45.00
0.00
31.03.12 159.09
159.09
0.00
0.00
0.00
0.00
-0.04
2.62
1160.00
41.92
1160.00
48.21
31.03.11 159.09
159.09
0.00
13.44
0.00
0.00 326.11
2.74
850.00
0.00
850.00
0.00
50.29
2.07
130.00
4.93
130.00
5.67
100.00
0.00
100.00
0.00
Gej efyenej ieeceerCe yeQke

efJeoYe& #es$eere ieeceerCe yeQke
yeefueee FeJee ieeceerCe yeQke
ne[esleer #es$eere ieeceerCe yeQke
Gejyebie #es$eere ieeceerCe yeQke
kegue
31.03.12
6.22
6.22
31.03.11
6.22
6.22
31.03.12
11.72
11.72
31.03.11
11.72
11.72
31.03.12
2.45
2.45
0.00
0.00
0.00
0.00 50.00
0.10
0
110
5.42
110
6.24
0.00
0.00
0.00
0.00
0.00
110.00
0.00
110.00
0.00
185.00
7.89
185.00
9.07
160.00
0.00
160.00
0.00
35
1.23
35
1.42
31.03.11
2.45
2.45
0.00
0.00
0.00
0.00
31.03.12
20.58
20.57
31.03.11
20.58
20.58
0.00
0.00
0.00
0.00
31.03.12 237.27
237.27
31.03.11 230.27
230.27
0.00
20.07
116
0.00
0.00
0.00
0.00
0.00
25.00
0.00
25.00
0.00
0 50.29
4.69
2080
71.01
2080
81.67
0.00
0.00 576.34
8.51
1440.00
0.00
1440.00
0.00

(meer) efJelleere Jee& 2011-12 kes oewjeve 2010-11 mes mebyebefOele efJelleere Jee& ceW 57.10 uee&Ke kee ueeYeebMe cetue yeQke ves Fb[es peeefcyeee yeQke efueefces[ mes
(SmeesefMeS) eeHle efkeee.
4.5. uesKeebkeve ceeveke 20 mecetn keer eefle Mesej Deee
uesKeebkeve ceeveke 20 kes Devegmeej eefle Mesej Deee efvecveevegmeej ngF& nw:
31.3.2012
31.3.2011
FefkeJeer Mesej Oeejke kes efuees kej kes yeeo GHeueyOe Meg ueeYe (` kejes[ ceW)
463.92
1175.64
644194814
404141460
Yeeefjle Deewmele FefkeJeer Mesej (mebKee)
eefle Mesej cetue Deee (`)
7.20
25.43*
eefle Mesej [eFuets[ Deee (`)
7.20
25.43*
10
10
eefle Mesej meebkesefleke cetue (`)
* uesKeebkeve ceeveke 20 kes Debleie&le Deewue 2011 ceW FefkeJeer kes jeF FMet kes Devegece ceW HegveefveOee&efjle.
4.6 uesKeebkeve ceeveke 22 Deee Hej kej kee uesKeebkeve (mecetn kee)
yeQke ves DeemLeefiele kej Deeefmleeeb/oseleeeW DeefYeefeefvnle keer nw.
DeemLeefiele kej Deeefmleeeb SJeb DeemLeefiele kej oseleeDeesb kes ecegKe Ieke efvecveevegmeej nQ:
(` .kejes[ ceW)
31.3.2012
31.3.2011
DeemLeefiele Deeefmleeeb:
84.41
71.80
DeJekeeMe vekeoerkejCe kes efuees eeJeOeeve
145.29
301.54
HeWMeve SJeb ieseter kes efuees eeJeOeeve
23.71
-Deve
6.24
-Deeue mebHeeflleeeW Hej cetue eme
259.65
373.34
kegue (S):
DeemLeefiele kej oseleeeW :
0.24
20.04
Deeue mebHeeflleeeW Hej cetue eme
411.28
353.41
GHeefele yeepe Hejbleg efveJesMe Hej efveele veneR
303.33
146.38
efveJesMe Hej cetue eme
714.85
519.83
kegue (yeer):
455.20
146.49
Meg DeemLeefiele kej oseleeeW
4.7 uesKeebkeve ceeveke - 28 - DeeefmleeeWW keer neefve
yeQke keer DeeefmleeeWW kee Ske ye[e Yeeie Jes efJelleere Deeefmleeeb nw, efpevekes efuees DeeefmleeeWW Hej neefve kee uesKeebkeve ceeveke 28 ueeiet veneR nw, eyebOeve
kes cele ceW , efoveebke 31 ceee& 2011 kees efJelleere DeeefmleeeWW kes DeueeJee Deve DeeefmleeeWW Hej keesF& ye[er neefve Heefjueef#ele veneR ngF& nw, efpemes ceevekeeW kes
Devegmeej ceeve kejves keer DeeJeMekelee nw.
4.8 uesKeebkeve ceeveke 29 - eeJeOeeve, Deekeefmceke oseleeDeesb SJeb Deekeefmceke DeeefmleeeWW Hej eeJeOeeve(cetue yeQke)
i)
eeJeOeeve ceW mebeueve :
(` kejes[ ceW)
efoveebke
Jee& kes oewjeve
eleeJeefle&le /
efJeJejCe
efoveebke
meceeeesefpele
01.04.2011kees efkees iees eeJeOeeve
31.3.2012 kees
eeJeOeeve
eejbefYeke Mese
Debeflece Mese
$eCe kes He ceW ve ceeves iees oeJeeW kes efJe Deekeefmceke
eeJeOeeve
3.83
0.07
-3.90
117
5.
6.
eyebOeleb$e eje mebkeefuele keer ieF& peevekeejer kes Devegmeej, yeQke eje efJekesleeDeeW, efpevekeer mesJeeeW ueer peeleer nQ Deewj Kejeroer peeleer nQ Je met#ce, ueIeg SJeb ceOece
Gece efJekeeme DeefOeefveece, 2008 kes Debleie&le Hebpeerkele veneR nw, Fme Hej uesKee Hejer#ekeeW ves efJeMJeeme efkeee nw
peneb keneR Yeer DeeJeMeke mecePee ieee nw Jeneb Hej efHeues Jee& kes Deebke[esb kees Jele&ceeve Jee& kes JeieeakejCe mes meceHeCe kes efuees Hegveme&cetefnle/Hegve:Jeieeakele efkeee
ieee nw.
Deeueeske b[ve
efveosMeke
iegceeve efmebn
efveosMeke
meveoer uesKeekeej
Yeeieeroej
meomelee meb.202352
meveoer uesKeekeej
Yeeieeroej
meomelee meb.050927
mLeeve : cegcyeF&
Jeer.Deej.Deej
Deej.kes.ogyes
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
yepeueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.083899
meomelee meb.019603
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.075000
meomelee meb.088578
118
efoveebke 31 ceee&, 2012 kees meceeHle Jee& kes efueS mecesefkele vekeo-eJeen efJeJejCe
e.meb. efJeJejCe
S
kej mes HetJe& Meg ueeYe
I
Deeue mebHeefeeeW Hej cetueeme
efveJesMe Hej cetueeme (HeefjHekeJe ef[yeWeme& meefnle)
yes Keeles [eues ieS DeMeesIe $eCe/Devepe&ke DeeefmleeeW kes mecyebOe ceW eeJeOeeve
ceeveke DeeefmleeeW kes efueS eeJeOeeve
Deve ceoeW kes efueS eeJeOeeve (Meg)
Deeekej Hej yeepe (Meg)
Deeue DeeefmleeeW keer efyeeer mes ueeYe/neefve (Meg)
Deveg<ebefieeeW mes ueeYeebMe Deee (He=Leke ceeveer ieF&)
ieewCe $eCeeW kes yeepe kee Yegieleeve/eeJeOeeve (He=Leke ceeveer ieF&)
GHe-eesie
II
peceejeefMeeeW ceW Jeef/(keceer)
GOeejer ceW Jeef/(keceer)
Deve oseleeDeesb SJeb eeJeOeeve ceW Jeef/(keceer)
Deefiece ceW (Jeef)/keceer
efveJesMe ceW (Jeef)/keceer)
Deve DeeefmleeeW ceW (Jeef)/keceer
ele#e kejeW kee Yegieleeve (Meg Oeve JeeHemeer Deeefo)
Heefjeeueve ieefleefJeefOeeeW mes Meg ueeYe (S)
yeer
efveJesMe ieefleefJeefOeeeW mes vekeo eJeen
Deeue DeeefmleeeW kee efveHeeve/efJeee
Deeue DeeefmleeeW kee ee
#esieeyeQ ceW efveJesMe
Deveg<ebefieeeW mes HeeHle ueeYeebMe
efveJesMe ieefleefJeefOeeeW mes Meg vekeo eJeen
meer
efJelleere ieefleefJeefOeeeW mes vekeo eJeen
Mesej Hetbpeer
ieewCe $eCe efej II Hetbpeer mes eeefHleeeb/ eefleoeve
ueeYeebMe - Debleefjce ueeYeebMe meefnle FefkeJeer Meseme&
ueeYeebMe kej
pesSveJeee mJewHe ketHeve Hej yeepe
ieewCe $eCeeW Hej yeepe
efJelleere ieefleefJeefOeeeW mes Meg vekeo eJeen
119
(` kejes[ ceW)
31- 03- 2012
31-03-2011
666.99
1,640.63
143.69
118.78
153.72
150.98
1,376.26
631.79
641.87
106.14
1.05
43.31
43.00
0.41
(0.11)
(2.36)
(1.55)
522.54
470.99
3,547.18
3,160.95
16,856.77
17,248.70
(468.38)
4,531.34
1,564.86
215.94
(19,895.64)
(24,378.04)
(4,884.93)
(3,942.88)
1,322.78
(2,560.50)
(113.32)
(639.64)
(5,617.85)
(9,525.08)
(2,070.68)
(6,364.13)
3.28
1.27
(227.33)
(235.54)
(7.00)
2.36
1.55
(228.69)
(232.71)
1,417.01
250.00
2,025.68
500.00
1,030.00
(211.86)
(143.10)
(34.37)
(24.15)
(5.18)
(4.98)
(522.54)
(470.99)
1,143.06
2,662.47
e.meb. efJeJejCe
[er
vekeoer SJeb vekeoer legue ceW Meg Jeef (S yeer meer ) DeLeJee (SHe-F&)
F&
Jee& kes eejbYe ceW vekeoer SJeb vekeo legue
yeQke kes Heeme Mese SJeb ceebie Je DeuHe metevee Hej jeefMe
Jee& kes eejbYe ceW Meg vekeoer SJeb vekeo legue
SHe Jee& keer meceeefHle Hej vekeoer SJeb vekeo legue
yeQke kes Heeme Mese SJeb ceebie Je DeuHe metevee Hej jeefMe
Jee& keer meceeefHle Hej Meg vekeoer SJeb vekeo legue
Deeueeske b[ve
efveosMeke
iegceeve efmebn
efveosMeke
meveoer uesKeekeej
Yeeieeroej
meomelee meb.202352
meveoer uesKeekeej
Yeeieeroej
meomelee meb.050927
mLeeve : cegcyeF&
31- 03- 2012
31-03-2011
(1,156.31)
(3,934.38)
14,082.11
17,012.08
1,200.87
2,205.28
15,282.98
19,217.36
13,114.25
14,082.11
1,012.42
1,200.87
14,126.67
15,282.98
Jeer.Deej.Deej
Deej.kes.ogyes
jescesMe meYejJeeue
efveosMeke
efveosMeke
efveosMeke
yepeueeue #eef$ee
yeer.Sme.jeceyeeyet
efveosMeke
efveosMeke
efveosMeke
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.083899
meomelee meb.019603
meveoer uesKeekeej
meveoer uesKeekeej
Yeeieeroej
Yeeieeroej
meomelee meb.075000
meomelee meb.088578
120
heOeeve keeee&uee evojcegKeer, vejerceve hee@bF, cegbyeF& - 400 021

Hee@ce& `yeer'
hee@kemeer kee Hee@ce&
(MesejOeejke eje Yeje SJeb nmlee#eefjle efkeee peeS)

5JeeR Jeee|<eke meeOeejCe yewke
heVee meb. ee [erHeer DeeF&[er # / eenke DeeF&[er #
Oeeefjle MesejeW keer mebKee
ceQ/nce __________________________________________ efveJeemeer ________________________________________________________
efpeuee ___________________________ jepe ___________________________ mesvûe yeQke Dee@He Fbef[ee kes/keer MesejOeejke keer nwefmeele
mes eer/megeer ____________________________________________________________________________ efveJeemeer ______________________
___________________________________ efpeuee ____________________ jepe _____________________ kees DeLeJee Gmekeer DevegheeqmLeefle ceW
eer/megeer _______________________________________________ efveJeemeer _____________________________________________________
___________ efpeuee ____________________ jepe ________________________ kees yegOeJeej, 27 petve, 2012 meeeb: 04.00 yepes, mej meesjeyepeer
heeseKeeveeJeeuee yeQkeme& ^seEveie kee@uespe, kethej Demheleeue / efjueeebme Svepeea keeee&uee kes heeme, pesJeerheer[er mkeerce efJeuesheeuex (heeqece), cegbyeF& - 400 056 ceW Deeeesefpele
nesves Jeeueer mesvûe yeQke Dee@He Fbef[ee kes MesejOeejkeeW keer 5JeeR Jeee|<eke meeOeejCe yewke ceW cesjs/nceejs hee@kemeer, cesjer/nceejer Deesj mes cele osves kes efueS efveege kejlee/
kejleer ntb/kejles nQ.
ke=Heee 15 Hewmes
leejerKe _________________ ceen __________________ Je<e& 2012 kees nmlee#eefjle
kee jsJesvet
hee@kemeer kes nmlee#ej _______________________________
mwcHe efeHekeeSb
veece ___________________________________________
(mhe De#ejeW ceW)
helee _________________________________________
heLece veece Jeeues /Skeue MesejOeejke kes nmlee#ej
_________________________________________
_________________________________________
1.
2.
3.
4.
5.
6.
7.
8.
9.
hee@kemeer Hee@ce& kees nmlee#eefjle SJeb hemlegle kejves nsleg DevegosMe

hee@kemeer kee keesF& Yeer hehe$e leye leke JewOe veneR nesiee peye leke efke :
ke) Jeweefeke MesejOeejke keer eqmLeefle ceW, en Gmekes mJeeb kes ee Gmekes eje efueefKele ceW efJeefOeJele heeefOeke=le efkeS ieS Deeveea eje nmlee#eefjle ve nes.
Ke) mebegkee OeejkeeW keer eqmLeefle ceW, en jefpemj ceW ope& heLece veece Jeeues MesejOeejke eje mJeeb ee efueefKele ceW efJeefOeJele heeefOeke=le Deeveea eje nmlee#eefjle
ve nes.
ie) kee@heexjs efvekeee keer eqmLeefle ceW en Gmekes DeefOekeejer ee efueefKele ceW efJeefOeJele heeefOeke=le Deveea eje nmlee#eefjle ve nes.
Ssmes MesejOeejke pees efkemeer Yeer keejCe mes Dehevee veece efueKeves ceW DemeceLe& nes, Gvekes heekemeer Heece& heee&hle he mes nmlee#eefjle ceeves peeSbies eefo Gve hehe$eeW hej
Gvekes Debiets keer ehe ueieer nes SJeb efpemes veeeeOeerMe cewefpem^s DeMeesjWme kes jefpemêj ee meye jefpemêj ee mejkeejer jepeheef$ele DeefOekeejer ee mesvûe yeQke
Dee@He Fbef[ee kes DeefOekeejer eje mee#eebefkele ieee nes.
keesF& Yeer hee@kemeer leye leke Jewe veneR ceeveer peeSieer peye leke efke Jen efJeefOeJele mweqchele veneR nw Deewj Gmes yeQke kes evojcegKeer, vejerceve hee@Fb, cegbyeF& 400 021 eqmLele
heOeeve keeee&uee ceW yewke keer lee leejerKe mes kece mes kece 4 efove hetJe& DeLee&le 22 petve, 2012 kees meeeb: 5.00 yepes mes hetJe& cegKleejveecee (hee@Jej Dee@He Deeveea) ee
Deve heeefOekeej (eefo keesF& nw) efpemekes Debleie&le en nmlee#eefjle keer ieF& nes ee veesjer heeqyueke ee cewefpem^s eje heceeefCele cegKleejveecee (hee@Jej Dee@He Deeveea)
ee heeefOekeej keer mele Heefle kes meeLe yeQke ceW henues mes hemlegle Je hebpeerke=le ve kejeF& ieF& nes.
yeQke ceW pecee efkeee ieee hee@kemeer kee hehe$e DeheefjJele&veere leLee Debeflece nesiee.
hee@kemeer kee hehe$e eefo Jewkeequheke leewj hej oes ueesieeW kes he#e ceW efoee ieee nes, lees kesJeue Ske ner hehe$e efve<heeefole efkeee peeSiee.
efpeme MesejOeejke ves hee@kemeer kee efueKele efve<heeefole kej efoee nes, Jen Gme yewke ceW mJeeb celeoeve nsleg hee$e veneR nesiee, efpemekes efueS efueKele efve<heeefole efkeee
ieee nes.
yeQke kes DeefOekeejer ee kece&eejer kees efJeefOeJele heeefOeke=le heefleefveefOe ee hee@kemeer kes he ceW efveegkee veneR efkeee pee mekelee.
hee@kemeer Heece& keer meYeer kee-eb hej efve<heeovekelee& eje Deheves ueIeg nmlee#ej efkeS peeves eeefnS.
hee@kemeer kee hehe$e `Heece& yeer' ceW ve nesves hej JewOe veneR ceevee peeSiee.
121
heOeeve keeee&uee evojcegKeer, vejerceve hee@bF, cegbyeF& - 400 021

5JeeR
GHeefmLeefle Heeea
Jeee|<eke meeOeejCe yewke 27 petve, 2012
efoveebke
27 petve, 2012
mLeeve
mej meesjeyepeer heeseKeeveeJeeuee yeQkeme& ^seEveie kee@uespe kethej Demheleeue/

efjueeebme Svepeea keeee&uee kes heeme, pesJeerheer[er mkeerce, efJeues heeuex (heeqece),
cegbyeF& - 400 056
meome kee veece (mhe De#ejeW ceW)

MesejeW keer mebKee
heVee mebKee ee [erheer DeeF&[er
#/
ieenke DeeF&[er #
hee@kemeerOeejke / GheeqmLele heeefOeke=le heefleefveefOe (eefo keesF& nes) kee veece,

mhe De#ejeW ceW
GheeqmLele meome / hee@kemeer / heeefOeke=le heefleefveefOe kes nmlee#ej
heJesMe heeme
(yewke kes oewjeve hetjs mecee Deheves heeme jKeW)

heVee mebKee ee [erheer DeeF&[er
#/
ieenke DeeF&[er #
meome kee veece

MesejeW keer mebKee
GheeqmLele meome /hee@kemeer / heeefOeke=le heefleefveefOe

kes veece SJeb nmlee#ej
yeQke keer cegnj SJeb nmlee#ej
MesejOeejkeeW/hee@kemeerOeejkeeW heefleefveefOeeeW mes DevegjesOe nw efke Jes ceereEie mLeeve ceW heJesMe kejves kes efueS Fme efJeefOeJele nmlee#eefjle-men-GheeqmLeefle-men-heJesMehe$e hemlegle
kejW. heJesMe heeme Jeeuee Yeeie MesejOeejkeeW/ hee@kemeerOeejkeeW heefleefveefOeeeW kees Jeeheme efkeee peeSiee, efpemes Jes ceereEie kes meceeheve leke Deheves heeme jKeWies. leoeefhe DeeJeMeke
mecePes peeves Jeeues meleeheve/peebe kes DeeOeej hej ner heJesMe Devegcele nesiee. efkemeer Yeer heefjeqmLeefle ceW ceereEie ne@ue ceW heJesMe nsleg [ghueerkes GheeqmLeefle-heeea-men-heJesMe
heeme peejer veneR efkeee peeSiee.
122
veesdme
123
CHAIRMAN & MANAGING DIRECTORS MESSAGE
Dear Shareholder,
It is my pleasure to present the Annual Report for the year ended 31st March, 2012.
At the outset, let me congratulate you on your great Bank completing 100 years of yeomen services to
the people of this great nation. The Bank celebrated the centenary year across the country through all its
offices and branches. During the centenary year, special cultural programme was organized at countrys
capital, New Delhi and at the financial capital, Mumbai. The programme held on 21.12.2011 at Delhi
was graced by Shri Pranab Mukherjee, Honorable Finance Minister, GOI, Shri Namo Narain Meena, MOS,
GOI, Shri D.K.Mittal (IAS), Secretary, Dept. of Financial Services, MOF, GOI. On this occasion following new
initiatives were taken:
Opening of 100 branches
Release of History Book on the Bank
Inauguration of Financial Literacy and Credit Counseling Centre, Kota
Launching of websites Gateway to Prime Minister Relief Fund

Felicitation of octogenarian Customers living legend of the Bank
The programme held in Mumbai on 26.12.2011 was graced by Chief Minister of Maharashtra, Shri
Prithviraj Chavan and during the event opening of 100 ATMs , felicitation of unsung Heroes, faliciation
of Gram Pradhan of Sangvi Mohadi village . VIP customers and Ex-Top Executives were also felicitated.
The celebrations reaped a huge benefit by way of building a heightened brand-building of this great
institution. Your bank can now boast as of one of the best Banking Brand in the country.
The year gone by has seen many negatives in the Economic and Political scenario both globally and locally.
The adverse Balance of Payment, the crude oil price, the falling Rupee against the USD, the sliding GDP
growth, the inflation look from any angle, the situation looked challenging. Against all the adverse
conditions, your bank showed a respectable growth in the operating profit, albeit under moderate
growth in Deposit and Advances. The interest rate hike on resources also did its bit in reducing the margin
on income. The commodity prices remained constantly high thereby forcing RBI to resort to successive
hiking of policy rates. The Euro Zone continues to falter and possibly has reached the worst possible level.
The headline inflation and the core inflation still threaten the growth machinery of the economy. RBIs
anti-inflationary stance may not allow it to soften the policy rates for greater part of this financial year.
Despite a record food grain production in the Agriculture & Allied activities which recorded growth of 5.4
per cent during the last year, the supply and storage constraints worked adversely and could not contain
inflation. Industrial production throughout the year showed a very tardy growth. The GDP projection was
lowered successively to a level of 6.9%, as against a growth of 8.6 per cent during 2010-11.
124
Annual Report 2011-12
Your Bank has achieved a total business level of ` 346898 crore. The Bank changed its strategies by clearly
diversifying in favour of retail business. The High cost deposits (i.e above card rate) and CDs have been
contained at the June2011 level. This step was taken as a measure of cost management. There is a clear
shift towards the retail credit growth. A bank with more than 4000 branches needs to be a Retail Bank.
Our strategies have started yielding results and would show significant growth in the coming financial
year.
Cost of fund of the Bank has gone up from 5.82 per cent for 2010-11 to 7.28 per cent for 2011-12, which
is in line with the industry. However, despite the sharp increase in cost of funds, Net Interest Income
was only marginally impacted from ` 5326 crore to ` 5169 crore. This was in the backdrop of an interest
reversal amounting to ` 403 crore due to additional slippage in NPA.
Operating profit of your bank increased y-o-y by 8.65% from ` 2591 crore to ` 2815 crore. However, Net
profit showed a fall from ` 1252 crore to ` 533 crore on account of provisioning in NPA and restructured
accounts .The main factor was recognition of 100% system driven NPA and high exposure to Discoms
and aviation sector. The severity of the economic conditions affecting the industrial and financial market
sectors did not only affect your bank but all the banks in the country. Provisions and write back of interest
amounted to ` 2685 crore during the year.
3000
2815
OPERATING PROFIT (` in crore)
2591
2500
2058
2000
1437
1266
1500
1268
1000
500
0
Mar 07
(FY)
Mar 08
(FY)
Mar 09
(FY)
Mar 10
(FY)
Mar 11
(FY)
Mar 12
(FY)
I really feel privileged to lead one of the largest Public Sector banks, that too joining this great institution
at a time when it celebrated its centenary year. Despite the fact that the financial results have been
only moderate, there have been a lot of qualitative improvements. The strong branch network of 4011
branches spread across entire geography of the country with matching workforce of over 35000 will lead
your Bank to a greater height in the coming year. The guidance on financial parameters for the coming
financial year aimed at achieving enhanced value for all the stakeholders in the Bank. I express my sincere
gratitude for your unstinted support.
With best wishes,
Yours sincerely,
Mohan V Tanksale
Place : Mumbai
Date : May 24, 2012
125

Head Office, Chandermukhi Nariman Point, Mumbai - 400021.
NOTICE
Notice is hereby given that the Fifth Annual General Meeting of the shareholders of Central Bank of India will be held
on Wednesday, 27th June, 2012 at 4.00 P.M. at Sir Sorabji Pochkhanawala Bankers Training College, Near Cooper Hospital/
Reliance Energy Office, JVPD Scheme, Vile Parle (west), Mumbai - 400056 to transact the following business :
1.
To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March, 2012, Profit and Loss Account
of the Bank for the year ended 31st March, 2012, 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.
2.
To declare dividend for the financial year 2011-12.

BY ORDER OF THE BOARD OF DIRECTORS
Place: Mumbai
A K DAS
Date: 08.05.2012
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 22nd June, 2012.
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 22nd June, 2012.
3.
No officer or employee of the Bank shall be appointed as Authorised Representative or proxy of a

shareholder.
4.
ATTENDANCE SLIP-CUM-ENTRY PASS:

For the convenience of the shareholders, attendance slip-cum-entry pass is annexed to 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.
126
5.
CLOSURE OF REGISTER OF SHAREHOLDERS :

The Register of Shareholders and Share Transfer Books of the Bank will remain closed from 23rd June, 2012 (Saturday)
to 27th June, 2012 (Wednesday) (both days inclusive) for determining eligibility of shareholders for the purpose
of dividend. Dividend will be paid to shareholders holding shares in electronic form as per the data provided by
the Depositories on Friday, 22nd June, 2012 and to the shareholders holding shares in physical form as per the list
provided by the Registrar and Transfer Agent as on the date of the Annual General Meeting of the Bank. Dividend
Warrant shall be mailed within one month from the date of the Meeting.
6.
BANK MANDATE FOR DIVIDEND OR ELECTRONIC CLEARING SERVICE (ECS) :

With a view to protect shareholders from fraudulent encashment of warrants, shareholders are requested to furnish
their bank account number, the name of the bank and the branch where they would like to deposit the dividend
warrants for encashment.
These particulars along with the name of the shareholder will be printed on the cheque portion of the dividend
warrants, so that these warrants cannot be encashed by anyone else.
The above mentioned details should be furnished by the first / sole shareholder directly to the Registrar and Transfer
Agent / DPs quoting the Folio No. or DP ID No. & Client ID No. and the number of shares held on or before 22.06.2012.
If shareholders choose not to submit any modification, the warrants will be printed based on bank mandate earlier
received by the Registrar or data downloaded from NSDL / CDSL as on 22nd June, 2012 for Shareholders holding
shares in dematerialized form. This is applicable for all shareholders who have not submitted ECS mandate(s).
The Bank is also offering ECS Direct Credit facility for those shareholders who maintain accounts with Central Bank of
India branches residing in specified cities. This facility could be used by the shareholder instead of the Bank Mandate
system for receiving the credit of dividend. Shareholders are required to give details of their Account numbers and
IFS Code No. of their bank branch in their ECS Mandate to facilitate the transfer of dividend to their designated
account. For selected Centres, payment through NEFT/NECS will be effected wherever such facility is available.
7.
UNCLAIMED DIVIDEND, IF ANY

The shareholders who have not encashed their Dividend Warrants / or have not received dividend from previous
years viz. 2010-2011 onwards are requested to contact the Registrar and Share Transfer Agent of the Bank for issue
of duplicate.
Pursuant to the amendment of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, Section
10B provides that 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 Govt. 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.
8.
CHANGE OF ADDRESS AND DIVIDEND MANDATE:

In case of shareholders holding shares in physical form, they are requested to intimate to the Registrar and
Share Transfer Agent of the Bank any change in their address, dividend mandate and the particulars of the bank,
branch and bank account number which the shareholder desires to incorporate on the dividend warrant, before
commencement of the Book Closure at the following address:
127
Link Intime India Private Limited

Unit : Central Bank of India
Mumbai, 400078
Phone: (022) 2594 6970
Fax: (022) 2594 6969
E-Mail: rnt.helpdesk@linkintime.co.in
In case of shareholders holding shares in Electronic form, they are requested to intimate any change in their address,
dividend mandate and the particulars of the bank, branch and bank account number which the shareholder desires to
incorporate on the dividend warrant etc., only to their depository participants as the aforesaid information provided
by the Depository as on 22nd June, 2012 would only be considered for the purpose of payment and distribution of
dividend.
9.
REQUEST TO SHAREHOLDERS:
Shareholders are requested to bring their copies of the Annual Report enclosed herewith.
BY ORDER OF THE BOARD OF DIRECTORS
Place: Mumbai
A K DAS
Date: 08.05.2012
Assistant General Manager-MBD/

Company Secretary
128
DIRECTORS REPORT 2011-12

To the Members,
Your Directors have pleasure in presenting the Banks 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, 2012.
1.
PERFORMANCE HIGHLIGHTS
Total Business of the Bank increased by ` 36135 crore to ` 346898 crore from ` 310763 crore in previous year,
registering y-o-y growth of 11.63 per cent.
Total Deposits increased by ` 16817 crore to ` 196173 crore, registering y-o-y growth of 9.38 per cent.
Gross Advance of the Bank grew by ` 19318 crore to ` 150725 crore, registering y-o-y growth of 14.70 per cent.
Operating Profit increased to ` 2815 crore from ` 2591 crore in 2010-11 , registering y-o-y growth of 8.65 per
cent
Net Profit stood at ` 533 crore in 2011-12 as against ` 1252 crore in 2010-11.
Capital Adequacy Ratio (as per Basel-II) improved to 12.40 per cent from 11.68 per cent in previous year.
Net worth increased to ` 10550.44 crore from ` 6909.54 crore.
Gross NPA of the Bank increased by ` 4879 crore to ` 7273 crore from ` 2394 crore in previous year. In percentage
term Gross NPA increased to 4.83 per cent in 2011-12 from 1.82 per cent in last year.
Net NPA increased to ` 4557 crore from ` 847 crore in previous year. Net NPA percentage increased to 3.09 per
cent from 0.65 per cent in previous year.
Net Interest Margin (NIM) reduced to 2.78 per cent from 3.31 per cent in 2011.
Average Business per Employee increased to ` 862 lakh from ` 835 lakh in previous year.
Net Profit per Employee reduced to ` 1.51 lakh from ` 3.96 lakh in March 2011.
Credit to Priority Sector increased to ` 40749 crore from ` 37469 crore in previous year, recording y-o-y growth
of 8.76 per cent.
Agriculture Advance of the Bank increased to ` 18950 crore from ` 18545 crore in 2010-11.
Under the micro credit (credit up to ` 50,000 per borrower), Bank has extended credit of ` 216 crore.
Advances to Micro & Small Enterprises (MSE) increased to ` 13518 crore during the year under review from
` 10999 crore in previous year.
During the year 13256 new Self Help Groups (SHGs) were formed, out of which 6797 SHGs have been creditlinked.
Under the Government Sponsored Programmes, Bank has provided assistance to 13525 SGSY beneficiaries,
4137 SJSRY beneficiaries & 6244 PMEGP borrowers during the year 2011-12.
Bank has extended loan of ` 13214 crore to the borrowers belonging to the weaker section of the society.
Education Loan grew by 32.95 per cent during the year and the total loan reached to ` 2058 crore.
Bank has established 46 Rural Self Employment and Training Institute (RSETI) across India.
Bank has sponsored 7 Regional Rural Banks (RRBs) covering 57 districts of 7 states with 1806 branches.
A target of 3725 villages (having population over 2000) have been allotted under Financial Inclusion Plan. Bank
has covered all the villages by 21st December 2011, well before the targeted time of 31st March 2012.
The corporate credit of the Bank increased to ` 106758 crore from ` 84995 crore in previous year registering
y-o-y growth of 25.61%.
The retail credit grew by 39.72% from ` 12522 crore in 2010-11 to ` 17496 crore in 2011-12.
Cent Param Salary Account Scheme introduced specially for the armed and para military force with attractive
features like free remittances, retail loans at concessional rates, customized credit cards etc.
During the year 2011-12, Bank has earned commission of ` 13.53 crore in life insurance & ` 6.30 crore in non-life
insurance business.
Our 67 Regions have been declared as BIMA Region and 800 branches as BIMA Banks by LIC.
Bank has introduced Family Floater Rural Health Insurance Scheme with the tie-up arrangement with general
insurance partner Chola MS.
A new recovery scheme Krishak Rahat Yojana introduced for the recovery in NPA accounts of Tractor/
Agriculture Loans and ` 15.51 crore has been recovered during the year.
During the year, 7303 recovery camps were organized at different locations across the country and recovered
` 745 crore.
As on 31st March 2012, Bank has a network of 4011 branches across the country. During the year 283 branches
have been opened, which includes 121 extension counters and 5 satellite offices converted to full-fledged
branches.
Bank has installed 1682 ATMs till 31st March 2012.
Under the organizational re-structuring process, Bank has delegated more powers to the Regional Managers
to ensure decision making faster and Zonal Managers will work as Business Facilitator for Regional Offices for
achieving Corporate Goals.
129
2.
INCOME & EXPENDITURE

Details of income and expenditure for the period 2011-12 are given hereunder:
` in crore
1
31.03.2012
31.03.2011
Variation
INTEREST INCOME
19150
15221
3929
25.81
-Advances
14421
11254
3167
28.14
4347
3767
580
15.40
382
200
182
91.00
1395
1265
130
10.28
-Investments
-Others
2
OTHER INCOME
(Profit on Sale of Investments)

3
TOTAL INCOME (1+2)
20545
16486
4059
24.62
INTEREST EXPENDED
13981
9895
4086
41.29
-Deposits
12996
9063
3933
43.40
985
832
153
18.39
OPERATING EXPENSES
3749
4000
-251
-6.28
-Establishment
2506
2964
-458
-15.45
-others
1243
1036
207
19.98
-Others
5
3.
TOTAL EXPENSES (4+5)
17730
13895
3835
27.60
SPREAD (1-4)
5169
5326
-157
-2.95
OPERATING PROFIT (3-6)
2815
2591
224
8.65
PROVISIONS-NPA/INVST./OTHERS
2169
932
1237
132.73
10
PROVISIONS FOR TAX
113
407
-294
-72.24
11
NET PROFIT
533
1252
-719
-57.43
Interest Income grew by 25.81 per cent during the year
Interest expenses on Deposits increased by 43.40 % to ` 12996 crore in March 2012 from ` 9063 crore in
previous year.
Expenses on employees reduced by ` 458 crore during the year to ` 2506 crore from ` 2964 crore in previous
year, due to reduced provisioning requirement for pension.
PROVISIONS
Details of Total Provisions of ` 2282 crore charged to the Profit and Loss Account during the year 2011-12 vis-a-vis
previous year are detailed as under:
(` in crore)
31.03.2012
31.03.2011
Variation
54
106
-52
1962
632
1330
Depreciation/Provision on Investments
151
154
-3
Provisions for Taxes
Provisions for Standard Assets

Provisions for NPAs
113
407
-294
Others
40
-38
TOTAL
2282
1339
943
130
4.
SPREAD ANALYSIS
(In percentage)
31.03.2012
31.03.2011
Cost of Deposits
7.20
5.71
Cost of Funds
7.28
5.82
11.36
10.29
Yield on Investments
7.53
7.45
Net Interest Margin
2.78
3.31
57.11
60.68
Yield on Advances
Cost Income Ratio
5.
Cost of Deposits increased from 5.71 per cent in 2011 to 7.20 per cent in 2012.
The yield on advances was 11.36 per cent in 2011-12 and yield on investments was 7.53 per cent against 7.45
per cent in 2010-11.
Net Interest Margin reduced to 2.78 per cent from 3.31 per cent in previous year.
Cost to Income Ratio decreased from 60.68 per cent in 2011 to 57.11 per cent in the year under review.
BANKING RATIOS
(In percentage)
6.
2011-12
2010-11
Interest Income to Average Working Fund (AWF)
9.22
8.49
Non-Interest Income to AWF
0.67
0.71
Operating Profit to AWF
1.36
1.45
Return on Average Assets
0.26
0.70
Business Per Employee (` in lakh)
862
835
Net Profit per Employee (` in lakh)
1.51
3.96
CAPITAL TO RISK WEIGHTED ASSETS RATIO (CRAR)

The components of Capital Adequacy Ratio were as under:
31.03.2012
31.03.2011
Basel-I
Basel-II
Basel-I
Basel-II
147958
140823
128587
116619
Tier-I
7.50
7.79
5.81
6.31
Tier-II
4.46
4.61
4.93
5.33
11.96
12.40
10.74
11.64
Risk Weighted Assets(` in crore)

Capital Funds (in percentage)
Capital Adequacy Ratio

7.
NET PROFIT & DIVIDEND

The Bank earned Net Profit of ` 533 crore for the financial year 2011-12. Despite lower profit, believing in the
intrinsic strength of the Bank, the Board of Directors are pleased to recommend dividend @ 20 per cent on the Equity
share Capital i.e. ` 2/- per Equity Share of ` 10/- each.
131
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 Mohan V. Tanksale was appointed as Chairman & Managing Director of the Bank in place of Shri S. Sridhar
who retired as Chairman & Managing Director on 31.05.2011. Shri Mohan V. Tanksale took over the charge of
the Bank w.e.f. 29.06.2011.
Shri Alok Tandon was appointed as Govt. of India Nominee Director w.e.f. 15.11.2011 in place of Dr. Shashank
Saksena who ceased to be a Director on the Board of the Bank on 14.11.2011.
The term of Shri Brijlal Kshatriya and Prof. N. Balakrishnan as Shareholders Director completed on 19.11.2011.
Both the Directors were re-elected as Shareholders Director w.e.f. 10.01.2012.
Shri Guman Singh was appointed as Part Time Non Official Independent Director w.e.f. 08.08.2011.
9.
DIRECTORS RESPONSIBILTY STATEMENT

The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 2012;
10.
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 and of the profit of the Bank for the year ended March
31,2012;
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.
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 and 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

Place : Mumbai
Date : May 24, 2012
Mohan V Tanksale
Chairman & Managing Director
132
MANAGEMENT DISCUSSION AND ANALYSIS

Part A ECONOMIC SCENARIO
GLOBAL DEVELOPMENTS
The after effects of the financial crisis of the 2008 have continued to impact global economy. The recovery process which
started since then is beginning to freeze and the sovereign debt crisis in the euro zone area has started threatening the
very survival of the Euro Zone. The global economy grew by 3.9% in 2011 against 5.3% in 2010 and expected to further
fall to 3.5% in 2012 as per the International Monetary Funds (IMF) April 2012 update of the World Economic Outlook
(WEO). Gross domestic product (GDP) growth in advanced economies declined to 1.6 % in 2011 compared to 3.2 % in 2010
and again expected to fall to 1.4% in 2012. Similar trend is seen in emerging economies as they slowed to 6.2 % in 2011
compared to 7.5 % in 2010 and likely to fall to 5.7% in 2012.
DOMESTIC ECONOMY
Indian Economy in 2011-12 was surrounded by concerns of high inflation, bourgeoning fiscal deficit and pronoucing
current account deficit. The Economic growth moderated to 6.5% as per revised estimates of CSO against 8.4% seen in
2010-11. The growth has been disappointing on account of current uncertain global conditions and one of the worst
performances in domestic industrial sector.
All the three sectors viz. agriculture, industry and services slowed down in 2011-12. Agriculture and allied agriculture
growth fell to 2.8% against a high achievement of 7% in 2010-11, despite a record food grain production of 250 million tons
in 2011-12.The contribution of agriculture and allied activities to GDP is only 14% but slow-down in agriculture growth
has severe impact on the employment in this sector, that has a share in employment as high as 55%. The growth in services
sector including construction sector is estimated to grow at 8.5 % in 2011-12 as against 9.2% in 2010-11 reflecting the
down-turn in construction growth.
The industrial growth slackened due to the disappointing performance of mining and manufacturing. The index of
industrial production for the 2011-12 grew at 2.8% as against 8.2% in 2010-11.This is on account of slow recovery in the
US and Europe and due to tight monetary policy affecting the overall investors confidence. The month-wise growth in
IIP exhibited high volatility on account of fluctuation in growth of capital goods. The growth in capital goods declined
from 37% in June 2011 to negative 25% in October 2011. The growth in Index of eight core industries viz. Coal, Crude oil,
Natural gas etc. contributing 38% to the IIP has also fell to 4.3% during April-March 2011-12 compared to 6.6% during
the corresponding period of the previous year. There has also been decline in capacity utilization in various infrastructure
sectors, to name a few like cement and thermal power during April-November 2011-12.
On external front, the merchandise exports in 2011-12 has increased by 21% amounting to $304 billion, thereby surpassing
the indicative target of $300 billion set for the year. The imports however too increased by 32% amounting to $488 billion
resulting in trade deficit of $184 billion. This has widened current account deficit (CAD) to US$ 53.7 billion (4.0% of GDP)
from US$ 39.6 billion (3.3 % of GDP) in April-December 2010.
The major concern during FY 2012 has been the inflation. For the whole year headline WPI Inflation remained high at
around 9%, although it showed some moderation toward the end of the financial year. It started with 9.7% in April 2011
reached its peak at 10% in September 2011 and then declined to 6.9% in March 2012. The major contributors to the high
level of inflation are crude oil, primary articles, metal and chemical prices.
The Rupee against dollar has fallen sharply during the year. In beginning of the financial year the exchange rate was at `
44.37 /$ fell to ` 52.68/$ in December11 rose moderately to ` 51.76 /$ in March12. This has been primarily because of the
large current account deficit and balance of payments deficit.
MONETARY DEVELOPMENTS
For the FY 2011-12, the main focus of Monetary Policy was to curb inflation and anchoring inflationary expectation. It was
reflected in strong anti-inflation stance, RBI raised the repo rate 13 times since March 2010. The overall liquidity position
during the year has remained in a squeezed mode. Average net injection of liquidity under the daily liquidity adjustment
facility (LAF) surged from a low ` 4000 crore at the beginning of financial year to ` 50 thousand crore in September 2011 to
around ` 1.4 Lakh crore during February 2012 and further to ` 1.6 Lakh crore during March 2012. To ease liquidity deficit,
the RBI conducted Open Market Operations (OMOs) and cut CRR from 6% to 5.5% in Third Quarter Monetary Policy
Review to further 4.75% i.e. by 75 bps on March 10, 2012.
133
Money supply (M3) growth moderated to 13 % at end-March 2012, lower than the Reserve Banks indicative trajectory of
15.5 % resulting in slower deposit growth.
BANKING
The Aggregate deposit growth for the financial year has been 17.4%, that is marginally above the 17% indicative target
set by the RBI. The main reasons behind the slow deposits growth were high inflation and depositors moving their funds to
better avenues like gold and real estate. The credit growth was 19.4%, that surpassed the indicative target of 16% (revised
downward from 18% set earlier in the year). However, the credit growth has slowed in comparison to last year due to
slowdown in economic growth and battered sector of industries like textile, steel, mining, infrastructure etc.
The RBI has unveiled the guidelines on Basel III .These guidelines would become effective from January 1, 2013 in a phased
manner and will be fully implemented by March 31, 2018. As per these guidelines, Banks have to maintain a minimum
overall capital adequacy of 11.5% (against the current 9%) by March 31, 2018.
Part B PERFORMANCE OF THE BANK
BUSINESS
As on 31st March 2012, the total business of the Bank was ` 346898 crore, registering a growth of 11.63% from the previous
year figure of ` 310763 crore. The operating profit reached to ` 2815 crore from previous year figure of ` 2591 crore,
marking a growth of 8.65%. The Bank has posted net profit of ` 533 crore in 2011-12 as against ` 1252 crore in previous
year.
RESOURCE MOBILISATION
The total deposits as on March 31, 2012 stood at ` 196173 crore, registering a growth rate of 9.38 % over previous year.
Savings Bank Deposits increased to ` 52595 crore in 2011-12 from ` 47645 crore in last year. Current Deposits declined from
` 15431 crore in 2010-11 to ` 12680 crore in 2011-12. The share of CASA deposits to total deposits was 33.27 per cent. Term
Deposits increased to ` 130898 crore with y-o-y growth of 12.57 per cent from ` 116280 crore in 2010-11.
CREDIT
As of 31.03.2012, the gross credit of the Bank stood at ` 150725 crore as against ` 131407 crore in the previous year,
registering y-o-y growth of 14.70%. The growth in credit is diversified in all segments with higher growth in retail lending
and industries viz. Iron & Steel, All Engineering, Other Textiles etc. Retail lending and Corporate Credit have registered
sizable growth as under:
` in crore
As on 31.03.2011
As on 31.03.2012
Growth (%)
Corporate Credit
84995
106758
25.61
Retail Lending
12522
17496
39.72
Priority Sector Credit
37467
40749
8.76
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.
The policy was approved by the Board in May 2011 and implemented across the Bank with effect from 1st July 2011.
The policy will be reviewed annually.
An independent vertical under an independent charge of Chief General Manager has been created for Credit
Monitoring w.e.f. 1st August 2011.
As per Monitoring Policy guidelines, Monitoring Committee is formed at Central Office level as well as at the field
level to review and monitor SMA accounts periodically.
Meetings were also conducted at different locations at Regional Offices and Zonal Offices to have one-to-one
interaction with the SMA borrowers to chalk out strategies for recovery/up-gradation of the accounts.
134
The Bank is also implementing Centralized Loan Appraisal System & Supervision (CLASS) software for monitoring
Corporate, SME, Retail and Priority Sector advances on real-time basis.
The Bank has also submitted point-wise compliance to all the earlier Annual Financial Inspection (AFI) Reports and
the AFI Reports up to 2010 are closed and all the observations of AFI 2011 have been replied to.
PRIORITY SECTOR CREDIT
The credit deployed under priority sector increased form ` 37467 crore to Rs40749.crore in 2011-12, recording a y-o-y growth
of 8.76% Out of this, the direct Agriculture advance has record a growth of 20.60% over 2010-11. The performance
recorded by the Bank under various segments of priority sector as on 31.03.2012 is as under:` in crore
S
Particulars
No.
March 2011
AFI corrected figures
March 2012
106146
131277
Adjusted Net Bank Credit (ANBC)
Growth (%)
Priority Sector Advance

Percent to ANBC
37467
35.30
40749
31.04
8.76
Total Agriculture Advance

Percent to ANBC
18545
17.47
18950
14.43
2.18
Direct Agriculture Advances

Percent to ANBC
12561
11.83
15148
11.54
20.60
Indirect Agricultural Advances

Percent to ANBC
5984
5.64
3802
2.90
-36.46*
Micro & Small Enterprises
10999
13518
22.90
Education Loan
1548
2058
32.95
Housing Loan (upto ` 25.00 lacs)
6106
6006
-1.64
Micro Cr. & other
269
216
-19.70
* Negative due to change in classification norms

AGRICULTURE
Total Agriculture credit increased by 2.18% from a level of ` 18545 crore as on 31.3.2011 to ` 18950 crore as on 31.03.2012.
The share to adjusted net bank credit (ANBC) stood at 14.43% .
AGRI BANKING PORTAL
It is started in the Banks website incorporating all our agricultural lending schemes and simplified Common Application
Forms.
MICRO CREDIT
The Bank has extended credit of ` 216 crore to beneficiaries where the loan amount does not exceed ` 50000 per borrower.
MICRO & SMALL ENTERPRISES (MSE) - ONLY PRIORITY SECTOR PORTFOLIO
The advances to MSE increased to ` 13518 crore at the end of the current year from ` 10999 crore as on 31.03.2011. 202
branches have been identified for focused attention on MSE credit. Extensive training has been provided to Branch
Managers of these branches at our Apex Training Institute in Mumbai. These branches are now adopting cluster-based
approach for accelerated growth under the MSE. Further, the Bank is extending collateral free loans up to ` 100 lakhs
for setting up units under Micro & Small Enterprises sector, which are also eligible for cover under CGTMSE scheme. Bank
has organized 9 Entrepreneurship Development Programmes and 12 symposiums across the country, for new, young and
budding MSE entrepreneurs.
MSE PORTAL
Started on the Banks website incorporating all our lending schemes and simplified Common Application Forms.
135
SELF HELP GROUPS

During the year 13256 groups were formed under the scheme by the Bank. Out of which 6797 groups have been creditlinked. Since inception of the scheme the Bank has formed 152190 SHGs out of which 95128 groups are credit-linked with
outstanding balance of ` 766.57 crore at the end of the year. Out of the credit-linked groups, 76953 are women SHGs with
total sanctioned limits of ` 603.26 crore which comes to 80.90% of total credit linked groups.
PERFORMANCE UNDER LEAD BANK:
Our Bank is shouldering the responsibility of Lead Bank in 48 districts of the country. Our Lead Bank officers are
coordinating with other banks in the district. Particularly in matters like branch expansion and credit planning. They are
also coordinating with Govt. offices.
AGRICULTURAL DEBT WAIVER AND DEBT RELIEF SCHEME 2008
Bank has lodged the claim under Debt Waiver and Debt Relief scheme 2008 separately with RBI for their reimbursement,
the position is as under :` in crore
Debt Waiver scheme
Debt Relief Scheme
Total
A/cs
Amount
A/cs
Amount
A/c
Amount
447000
978.54
67072
147.77
514072
1126.31
RBI/Government of India reimbursed the full amount of ` 1126.31 crore to Bank.

STATE LEVEL BANKERS COMMITTEE (SLBC)
Bank is convener of SLBC in the state of Madhya Pradesh. During the year 2011-12, four SLBC meetings were held to review
and monitor the progress made in the State under various parameters including Government sponsored programmes by
different development agencies.
GOVERNMENT SPONSORED PROGRAMME (2011-12)
During the year, the Bank has sanctioned loan under different Government sponsored programme as under :
` in crore
Sr.No.
Scheme
Disbursement during 2011-12

A/c.
Amount
SGSY
13525
134.18
SJSRY
4137
26.01
PMEGP
6244
185.97
ADVANCES TO WEAKER SECTIONS

During the year, the Bank has extended loans of ` 13214.22 crore to various categories of weaker sections which constitutes
10.07% of ANBC, which is above the target (10%) envisaged by Government.
ADVANCE TO MINORITY COMMUNITIES
Govt. of India in its new Prime Ministers 15 point programme for welfare of Minorities has envisaged a target of 15% of
priority sector lending to minority communities. Bank has extended various loan facilities amounting to ` 6179.54 crore to
541224 beneficiaries, belonging to different Minority communities which accounts for 15.16% of Priority Sector lending
as on 31.03.2012.
136
ADVANCES TO WOMEN BENEFICIARIES

Credit disbursement to women beneficiaries, has improved over the past year resulting the outstanding credit to women
as on 31st March 2012 at ` 6585.14 crore. This is 5.02 % of ANBC as against the stipulated RBI norms of 5% of ANBC.
DIFFERENTIAL RATE OF INTEREST (DRI)
Advances under DRI scheme were ` 35.18 crore on 31st March 2012.
CENTRAL KISAN CREDIT CARD (CKCC)
Bank has issued Kisan Credit Cards to 1369858 beneficiaries till 31st March 2012, amounting to ` 8428.05 crore.
SOCIAL SECURITY SCHEMES
1.
JANSHREE BIMA YOJANA

The scheme is operated in association with LIC of India to provide life insurance cover to rural and urban poor
women, who are below or marginally above the poverty line and who are members of credit linked women SHGs of
our Bank. Bank has already covered 21267 women beneficiaries with premium amounting to ` 21.26 lakhs during
the year 2011-12.
2.
RASHTRIYA KRISHI BIMA YOJANA

Under the scheme, cover is extended to the farmers for the losses due to non-preventable risks like natural calamities
etc. The above scheme is available throughout the country for cereals, oilseeds in the notified states / areas.
3.
CENT JANATA CREDIT CARDS (CJCC)

Bank has issued 34261 cards (including Overdraft accounts) amounting to ` 34.75 crore to beneficiaries residing in
the rural and semi urban areas to meet their requirements.
4.
RURAL GODOWNS AND WAREHOUSES / COLD STORAGES

Bank has extended advances for construction of rural godowns and warehouses / cold storages to 362 accounts
amount is ` 685.78 crore so that farmers are not compelled to make distress sale of their produce during peak season.
Bank has extended advance for warehouse and cold storage in various accounts and farmers are taking benefits of
these schemes. This does not include advance against warehouse receipts.
5.
CENTRAL BANK OF INDIA SAMAJIK UTTHAN AVAM PRASHIKSHAN SANSTHAN (CBI-SUAPS)

Bank has opened 49 FLCCs. FLCCs to provide free Financial Literacy to the villagers on the various banking products
and counseling to distressed farmers / borrowers, irrespective of clientele.
6.
RURAL SELF EMPLOYMENT AND TRAINING INSTITUTE (RSETI)

Bank has established 46 RSETIs (44 in lead districts and two in non lead district allotted under SLBCs). Under this 715
training programmes conducted and 23289 candidates were trained.
7.
INDIRA AWAS YOJANA

Bank has extended loan of ` 101.15 lakh to 509 beneficiaries under the scheme for construction of dwelling units.
FINANCIAL INCLUSION
3725 villages having population more than 2000 have been allotted to the Bank to cover under Financial Inclusion Plan by
March 2012. Bank has covered all these villages by 21 December 2011, 3629 villages have been covered through Business
Correspondent model and 96 villages have been covered through brick and mortar branches.
137
A total of 8012 villages, including villages with population less than 2000, have been covered under financial inclusion and
4701 Business Correspondents were appointed. We have issued 30.93 lacs Smart Cards in these villages. All the accounts
have been migrated to our CBS.
We have developed five tailor made products exclusively to be delivered through BC Model.
Cent Bachat khata - No Frill Account for making and receiving remittances.
Cent Vikas khata - SB a/c with limited OD facility up to ` 2500/-
Cent Smart Kisan Credit Card - Entrepreneurial/consumption credit to farmers up to ` 25000.
Cent Smart General Credit Card - Entrepreneurial/consumption credit to non-agriculturist up to `10000.
Cent Variable Recurring Deposit Scheme - Pure deposit product for term up to 3 years with variable installments.
Bank has also launched an urban inclusion project at Delhi and NCR.
All 3662 villages, with population above 2000, allotted to our 7 sponsored RRBs under Financial Inclusion Plan have also
been covered.
RETAIL CREDIT
Total outstanding under Retail Lending Schemes increased from ` 12522 crore as on 31.03.2011 to ` 17496 crore as on
31.03.2012, registering quantum growth of ` 4974 crore and percentage growth of 39.72% over March 2011. The retail
portfolio of the Bank was 11.61 per cent of total advances.
RETAIL LENDING GROWTH AT A GLANCE (` in crore)
31/03/2010
31/03/2011
31/03/2012
Actuals
Y-O-Y
Growth
Actual
Y-O-Y
Growth
Actual
Y-O-Y
GROWTH
Retail Advances
9902
9%
12522
26%
17496
40%
Total Advances
107319
24%
131407
22%
150725
15%
% of Total Advances
9%
10%
12%
17496
18000
16000
14000
12522
9902
12000
10000
8000
6000
4000
2000
0
31/03/2010
31/03/2011
Retail Advances
138
31/03/2012
SHARE OF RETAIL CREDIT IN TOTAL CREDIT PORTFOLIO
(` in crore)
MAR11
MAR12
RETAIL CREDIT
12522
17496
TOTAL CREDIT
131407
150725
SHARE OF RETAIL
9.53%
11.61%
150725
131407
160000
140000
120000
100000
80000
60000
17496
12522
40000
20000
0
MAR11
MAR12
RETAIL CREDIT
TOTAL CREDIT
Introduction of new Retail Loan schemes

1.
Launching of Scheme for financing small entrepreneurs Cent Sahyog- Bank has introduced a new Retail
Loan Product CENT SAHYOG, particularly for the (MSE) Micro and Small Enterprises sector (Manufacturing & Services)
with Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) cover. The objective of the Scheme is to offer
hassle free financial requirement up to ` one crore to the MSE segment which is large and mostly unbanked. Special
emphasis has been given to tiny entrepreneurs with financial assistance up to ` 10 lacs. The scheme has become operative
from October 2nd, 2011.
The scheme has been very well received by the MSE segment which is evident from the fact that ` 200 crore encompassing
2834 accounts has already been disbursed under the scheme within a short span of 6 months despite its small ticket size.
2.
Housing Loan Variants-
Cent Home Swabhiman Plus

This product is introduced to facilitate Seniors/Senior Citizens to avail Home Loan with reverse mortgage
facility and we also tied-up with Tata Housing Development Ltd for a project of houses for Senior Citizens/
citizen above 55 years of age.
Special Housing loan scheme for employees of Central / State Govt. and employees of PSUs of
Central Govt.
Under the Scheme, Housing loan was extended to Central/ State Govt. employees and employees of PSUs of
Central Government at base rate.
Scheme for staff members for conversion of outstanding balance in staff housing loan scheme into
direct housing loan scheme on the day of retirement.
The scheme is aimed at retaining the staff housing loans with the Bank after retirement.
139
3.
Cent Param
Salary account scheme with many attractive features like free remittance, Retail Loans at concessional rates,
customized credit cards etc. was specially designed for the armed and para military forces.
4.
Comprehensive Scheme on Channel Financing

Channel Financing is an innovative option for extending working capital finance to dealers who have business
relationships with large companies. It is also a mechanism through which a Bank / Financial Institution meets the
various funds related requirements along the Supply Chain at the suppliers end. This thereby helps the supplier in
sustaining a seamless business flow and avoiding working capital related difficulties.
Modification in the existing Retail Loan Schemes:

Schemes
Modifications
Cent Home Loan Plus
Overall limit was enhanced.

Eligibility criteria changed.
Cent Mortgage
Property situated at rural location was made eligible for finance.

Delegated lending powers of Branch Managers suitably increased.
Other constraints removed.
Cent Rental
Delegated lending powers of Branch Managers suitably increased.

Other constraints removed.
Cent Vidyarthi
IBA Model education loan scheme introduced.
Executive MBA Scheme
Scheme modified and coverage widened.
Educational Loans to
students of IIMS
Eligible quantum of loan enhanced from ` 12.5 lakh to ` 20 lakh.

No collateral / guarantee required .
Loans to pensioners
Eligible quantum of loan suitably enhanced.

Age based eligibility improved.
Personal Gold loan
Loan Limit per gram increased.
Rationalization of Schemes: Several Retail Lending Schemes have been launched by the Bank over the years which
were either client specific or purpose specific, in order to cater to the demand of the market at various points of time.
The product basket under Retail Lending have been rationalised.
In order to provide relief to the borrowers from the fluctuating amount of EMI due to upward revision in interest
rates, the repayment period can now be readjusted accordingly and EMI will remain unchanged.
Outsourcing Policy: Out sourcing of Contact Point Verification (CPV) and Document Verification Reports (DVR)
for the Retail Loan proposals sanctioned through CCPC can now be done. The work is to be outsourced to the wellknown Field Investigating Agency (FIA) by calling for Request for Proposal (RFP) at Zonal level for the CCPCs under
the Zone. The methodology of outsourcing should strictly be in terms of the OUTSOURCING POLICY of the Bank.
Central Registry: In terms of rules framed under the Central Registry under the provisions of SERFAESI Act, 2002,
all mortgages created by deposit of title deeds are required to be registered with the Central Registry within 30 days
from the date of creation of mortgage. As the notification was made by Govt. of India on 31.03.2011, it effectively
means that all mortgages created/ to be created by our Branches by deposit of Title Deeds on or after 31.03.2011
need to be registered with the Central Registry. The Department has taken all necessary steps to stream line the
process so that data entry can be done centrally at the Regional Offices. A new version of the Central Registry has
now been introduced from 01.04.2012 based on the Checker / Maker concept requiring Digital Certificates for the
Checkers. Department has assigned the job of issuing Digital Certificates to Sify Technologies Ltd. Currently, the new
version is under implementation in the Bank.
140
Retail Lending Policy - A vibrant

economy has created a large middle
class segment with a huge purchasing
power in the country. Sensing the
scope of this burgeoning retail
market, there has been a paradigm
shift in the approach of Banks in
India, who are now targeting these
individual borrowers for affording
financial assistance rather than the
corporate segment, which of late has
lost its sheen due to decreasing NIM.
Considering the importance ascribed
to Retail Lending in our corporate
Dr. Ram S Sangapure, GM-Retail Banking, Central Bank of India, exchanging MoU with Sri K.
goal, need for a Retail Lending Policy Srinivasan, Vice President, TVS Motors in the august presence of Sri Mohan V. Tanksale, Chairman
was felt. The department has come up & Managing Director, Smt. V.R. Iyer, Executive Director & Sri R. K. Dubey, Executive Director and
Sri BVVSB Rao, Dy. General Manager, Retail Banking, of Central Bank of India are also seen in the
with a Retail Lending Policy (2011-12). photograph.
The Policy aims at providing a uniform
and hassle free appraisal method for Retail Loans to the field level functionaries, as well as outlining major features
of Retail Lending schemes and risk mitigating measures.
Other Initiatives
As on 31st March 2012, 23 Centralized Credit Processing Centers (CCPCs) are functioning at major Regional headquarters
across the country.
Bank has applied for opening of 54 CCPCs at remaining Regional headquarters.
In the second half of the financial year, Bank acquired new software CLASS for processing retail loans, monitoring
accounts and managing NPAs effectively.
Successfully customized our Retail Loan products in the new software and launched in 16 CCPCs. It will be launched
for all the products at all CCPCs / branches during April May, 2012.
Bank has planned to open Retail Asset Branches (RABs) in Financial Year 2012-13 at all Regional headquarters.
Entered into tie-up with TATA Housing, Maruti Suzuki India Ltd. and TVS Motors.
Bank received the Golden Peacock Award for Innovative Product/Service for its retail product Cent Sahayog, which was
launched on 2nd October, 2011. The product has been designed to strengthen the micro and small manufacturers and
service providers (MSE) through a process of fast and hassle-free credit delivery, this product aims to bring this largely
unbanked segment into banking fold. The product has achieved unprecedented success and within six months of launch,
has garnered sizeable business of ` 200 crore.
FUTURE PLANS
Initiatives
Products/ Services
To keep pace with the Industry standards and peer Banks and to meet the diverse financial demands of the customers,
Bank is continuously modifying and revamping the existing retail lending schemes like Cent trade, Cent Mortgage,
Direct Housing Finance, Education loan for Executive MBA, Cent Vidyarthi Scheme under revised IBA Model Education
Loan Scheme.
To cater to the latent demand of our customers we have also introduced new schemes like Cent Sahyog, Cent Param,
and Special Housing Loan for Govt. / PSU employees.
141
We are also in process of devising new schemes like Redevelopment of old Housing Society, Cent Home for Senior
Citizens and Housing Loan with OD facility.
Technological Initiatives: Introduction of CCPCs and CLASS software
In a major step towards streamlining loan appraisal process and for creating a robust framework for monitoring the
loan accounts our Bank has obtained CLASS (Computerized Loan Appraisal System and Supervision) Software for
loan processing, sanctioning and monitoring of retail advances.
The software takes care of the entire process starting from origination & sanction of the proposal to final monitoring
and NPA management in the product. This also helps to reduce the turnaround time in loan appraisal and facilitates
paperless processing of applications.
Tie Up Arrangements
To give a boost to our retail credit we have tied up with more than 160 educational institutes, vehicle manufacturers
namely Tata Motors, Maruti Suzuki, TVS Motors.
We also tied up with Indian Dental Association (IDA) to provide our retail advances to Dentists and their family
members.
We are also in process of tie up with Foreign Educational Institutes to boost our Foreign Education Loan portfolio.
Other Initiatives
With the introduction of the Retail Lending Policy, field functionaries now have been provided with a hand book
containing all major parameters related to Retail Lending.
Implementation of the new version of Central Registry with provision for batch uploading of mortgage data, so that
eventually every Branch will be able to upload data independently.
To boost our Housing Loans we are in process of tie up with reputed builders like NYATI, MCHI, and Lodha
Group and Tata Housing Projects etc.
For meeting the different insurance needs of our clients we have tied up with Bajaj Alliance for Education
Loans, Kotak Mahindra Life Insurance for Special Package Housing loans.
STRATEGIES
NPA MANAGEMENT STRATEGIES UNDER RETAIL LENDING
In order to implement a sustainable NPA management mechanism which would include monitoring, prevention of
slippages through early warnings and adequate recovery measures, the following strategy has been formulated:
Introduction of CLASS software for all the retail products w.e.f. 01/04/2012 will help the branches in monitoring the
retail advances from the 1st day of overdue.
The software allows Regional Offices/ Zonal Offices to monitor the overdue from their offices.
Branches will be advised to take necessary steps including action under SARFAESI Act to recover the dues.
Conducting recovery camps on regular basis to recover the NPA amount and settle the accounts in the recovery
camps under OTS.
Close monitoring from Central Office and exclusive monitoring team at Retail Banking Department.
Forming Teams at RO for DATA Cleansing and to reduce system driven NPAs.
Ensuring Notices under Section13 (2) are issued immediately, possession of property taken and property auctioned,
in NPA accounts, where immovable property is held as security.
All the Mortgaged properties are registered with Central Registry.
142
STRATEGIES FOR INCREASING RETAIL CREDIT

Marketing Teams to visit various departments of State Governments/Central Government/PSUs/Defence /Paramilitary
forces to canvass salary accounts / Housing Loan & other Retail products.
Conducting multipurpose camps for sanction of Retail loans & recovery in NPA accounts.
Cross selling of the Product by approaching corporate for opening their salary Account.
Housing Loan: - Tie up with reputed builders such as LODHA builders, Shapoorji Pallonji ,Shah Builders, Godrej
Property, Bombay Reality etc., participating in real estate expo and trade fairs/ Property Mela.
Tie up with TATA Housing Finance for financing housing loans for senior citizens.
Overseas Educational Loans: - Thrust will be given for overseas education loans which are generally secured by
suitable collateral security. We are also exploring opportunities for tie up with Educational Consultants, Institutes
having collaboration with foreign universities and participating in foreign education fairs.
Cent Param : Exploring the vast banking potential of defense and para Military personnel through lucrative benefits
of Cent Param. Tie up with NYATI builders to provide Housing loans to defense personnel.
Cent Sahyog: Explore opportunities to penetrate more into MSE sector by arranging knowledge camps and sponsoring
trade fairs for MSE businessmen.
Marketing of Retail Products: The marketing division will be strengthened and the Retail Products will be given more
visibility through greater synergy between the Marketing and Retail Departments.
INTERNATIONAL DIVISION
Foreign Exchange Business of the Bank is carried out through 97 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
` 3865 crore as on 31.03.2011 to ` 4262 crore as on 31.03.2012. Bank has opened specialized NRI Branches in Anand,
Margao, Hyderabad and Bhuj to cater exclusively to the NRI clients. Bank has installed e-learning and decision making
software Instant NRI and Instant LC++ on its intranet for use across branches.
In the Financial Year Bank has obtained permission for opening of its Representative Office at Nairobi, Republic of Kenya
from the home regulator Reserve Bank of India and Representative Office will become functional during 2nd Quarter of
FY 2012-13. Bank has also proposed to open Branch in DIFC Dubai and counters at airports.
TREASURY, FUNDS AND INVESTMENT
The investment portfolio of the Bank has increased to ` 59577 crore as on 31st March 2012 as against ` 58287 crore as on
31st March 2011 thereby recording an increase of 2.21% over the previous year. The ten year benchmark yield stood at
8.57% as on 31st March 2012.
In debt market, yields hardened on account of consistent increase of policy rates by RBI and increase in borrowings. RBI
raised Repo and Rev Repo rate to 8.50% from 6.75% as a measure to curtail increasing inflation. During the period
benchmark yield scaled up from 7.98% as on 31st March 2011 to 8.57% as on 31st March 2012.
Increase in borrowing by Govt. put pressure on liquidity and it was in deficit mode for most part of the year. RBI came out
with OMO purchases to ease mounting liquidity pressure in the system during the period from November 2011 to March
2012. RBI purchased securities worth ` 135000 crore and infused liquidity to that extent. RBI also cut CRR by 125 bps which
infused approx. ` 80000 crore in the system.
In the liquidity stressed conditions and hardening yield scenario, treasury recorded trading profit of ` 320.06 crore
marginally higher as compared to previous year trading profit of ` 311.93 crore. This was achieved by strategic planning
of resources and grabbing the market opportunities with proper analytical views. Investment increased just by 2.21% and
yield on investment increased from 7.45% to 7.53%.
143
In compliance with the Reserve Bank of India guidelines, the Bank has transferred Govt. and State Govt. securities
amounting to ` 4064.25 crore from AFS to HTM and booked depreciation of ` 159.75 crore. The composition of
investment portfolio of the Bank as on 31st March 2012 is as under:
(` in crore)
Sr. No.
1.
2.
Composition
SLR
Non-SLR
TOTAL
31.03.2011
48054.94
10232.14
58287.08
31.03.2012
50977.43
8599.33
59576.76
During the year, Bank has recovered an amount of ` 24.29 crore in written off accounts.
DERIVATIVES
Bank has actively traded in both interest rate and currency derivatives. Among the Interest rate derivatives Bank has
traded in Overnight Indexed Swaps. Bank also traded actively in currency futures and forwards in the currency derivative
segment. Bank has also used derivatives for hedging purpose. Bank has earned ` 3.31 crore in derivatives transactions.
RISK MANAGEMENT
Risk Management System/Organizational Set Up
Risk Management systems are now well established in the Bank. Risk Management Committee of the Board of Directors
regularly oversees the Banks 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.
Risk Management Structure
At operational level, various Committees like Asset Liability Management Committee (ALCO) for Market Risk, Credit Risk
Policy Committee (CRPC) for Credit Risk and Operational Risk Management Committee (ORCO) for Operational Risk have
been constituted comprising of members from the top management team. These Committees meet at regular intervals
throughout the year to assess and monitor the level of risk under various Bank operations and initiate appropriate
mitigation measures wherever necessary. The Bank has identified officers in the rank of Senior Managers/Managers to
act as Risk Managers at all the Regional Offices. The Risk Managers act as the Extended Arms of the Risk Management
Department of the Central Office at the Regional Level. The Bank has also identified officers at the senior level in various
functional departments of Central Office to act as Nodal Officers in the matter of submission of data relating to Risk
Management and support risk management in the Bank.
Market Risk Management
The Mid Office reviews the market position, funding patterns and ensures compliance in terms of exposure, duration,
counter party limits and various sensitive parameters and the reports are presented at regular intervals to the top
management. The tools such as VaR and Duration analysis are used on an ongoing basis to measure and manage the risk
to Banks NII in the short run and equity value in the long run. A model to estimate Capital charge on trading portfolio on
ongoing basis is developed by TCS which is being implemented as per the Basel II guidelines on the Market Risk. The Bank
has reviewed the existing Investment and Market Risk Management Policy. Counter party limits for Forex dealings have
been fixed / reviewed as per their latest standing and rating in the market.
Credit Risk Management
Bank has a well-documented Credit Risk Management Policy, which was last reviewed by the Board on 30.05.2011. The
Bank has approved procurement of Facility Rating Module with Risk Adjusted Return on Capital (RAROC), Loss Given
Default (LGD) and Exposure At Default (EAD) assessment tools from CRISIL Ltd. The tool is installed and made operational
in the first quarter of 2011-12. The Bank is also developing Portfolio Rating Models for grading retail loan portfolios where
ratings of individual loan entities are not feasible on an on-going basis. The developments in credit risk management are
being reported to and monitored by the Credit Risk Policy Committee headed by the Executive Director. As preparedness
for moving to advanced approaches, bank is in the process of developing models for calculating PD, EAD & LGD for both
Corporate & Retail portfolio.
144
Operational Risk Management

Sound Integrated Risk Management Structure encompassing Operational Risk in the business is guided in the Bank by a
well laid down Operational Risk Management Policy.
Operational Risk Management Committee (ORCO) reviews the risk profile of the Bank on quarterly intervals and the
oversight by the Board of directors strengthens the qualitative aspects related to Operational Risk. Bank is developing
models and will apply to RBI for graduating to Advanced Measurement Approach under Operational Risk. Implementation
of New Product Approval Policy Framework guides the Bank for mitigating the risk associated with new products or
activities.
Capital Planning
Bank has a robust ICAAP (Internal Capital Adequacy Assessment Process) in place. Capital requirement for bank is drawn for
a time horizon of 4 years. Capital requirement is seen in relation of maintaining minimum regulatory capital requirement.
Review of the capital vis a vis the estimates are undertaken on a quarterly basis.
Asset & Liability Management Systems
ALM mainly deals with measuring and managing the liquidity and Interest rate risk of the Bank with an objective of profit
maximization. ALCO (Asset & Liability Committee) met 24 times during the year to review the position of the Bank with
regard to liquidity and other related matters.
Besides regulatory reporting, ALM is also engaged in Interest determination on Deposits as well as Base rate and BPLR
fixation. During the year 2011-12, revision was made seven times in deposit interest rates and the Base Rate was revised
twice.
ALM department presents different analysis with regard to position of idle assets (Cash in hand, Balance with other banks
etc.), rate of interest wise/ Base Rate/BPLR/ Fixed Rate wise classification of advances, comparative working results of peer
banks vis--vis our bank etc. before top team for making meaningful decisions.
Implementation of Basel II Guidelines
Reserve Bank of India has issued updated master circular on implementation of the New Capital Adequacy Framework
in July 2011. As per the guidelines, the Bank has adopted Basel II norms with effect from 31st March 2009 and provided
capital as per Standardized Approach for Credit Risk, Basic Indicator Approach for Operational Risk and Standardized
Duration method for Market Risk.
Bank has appointed a solution provider for implementation of the internationally reputed SAS Risk Management solution
throughout the bank to meet Basel II norms. Reserve Bank of India has set out timelines to the commercial banks for
graduation to advanced approaches. Banks were advised to undertake an internal assessment of their preparedness for
migration to advanced approaches. Our Bank is the first among all commercial banks to have submitted its application to
RBI for graduating to The Standardized Approach (TSA) under Operational Risk. The Bank has appointed a consultant to
evaluate /assess the preparedness of the Bank for moving to advanced approaches in respect of all risks and to enhance
/ Strengthen existing Risk Management Systems, Policies, Procedures, Process, MIS, Analytics etc and also to implement
integrated risk management system in the Bank. All necessary policies such as Credit Risk Management Policy, Operational
Risk Management policy, Market Risk Management Policy, Credit Risk Mitigation and Collateral Management Policy,
Market Discipline and Disclosures Policy, ICAAP etc are in place duly approved by the Board.
Our Banks preparedness for Basel - III
RBI has issued final guidelines on Implementation of Basel III on 2nd May 2012. These guidelines would become effective
from January 1, 2013 in a phased manner. The basel III ratios will be fully implemented as on 31.3.2018.
For the financial year ending 31.3.2013, banks will have to disclose the capital ratios computed under the existing guidelines
(Basel II) on capital adequacy as well as those computed under the Basel III capital adequacy framework.
Basel III guidelines aim at improving the quality of the capital, address the liquidity position in addition to the leverage.
The bank is in the process of internal assessment of the capital, liquidity ratio and the leverage ratio under Basel III regime
and steps are afoot for putting the requisite system, in place.
RECOVERY
The 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, Staff Accountability, SARFAESI Act, 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.
145
As per directives of Ministry of Finance, Government of India, we have switched over to 100% system based identification
and collation of NPAs by 30.09.2011. Our Bank had moved to 100% CBS platform in December 2010 only, whereas peer
banks had completed the exercise much earlier. As such, we have completed the data cleansing exercise in 9 months,
compared to 2 to 3 years available to peer banks. Hence, there is increase in Gross NPA during the year. We have put in
place proper on-going strategies to rectify such errors and hopeful of a handsome up-gradation in the next fiscal.
1.
During the year 2011-12, the Bank has improved recovery performance but due to high slippage on account of
adoption of system driven NPA and adverse economic conditions, the NPA level has gone up.
a.
Gross NPA level has gone up from ` 2394 crore to ` 7273 crore
b.
Net NPA has increased to ` 4557 crore from ` 847 crore in previous year.
c.
Gross NPA and Net NPA Ratios have increased from 1.82% to 4.83% and 0.65% to 3.09% respectively.
d.
Cash Recovery has increased from ` 736 crore (including sale of assets ` 177.74 crore) to ` 754 crore (including
sale of assets ` 75 crore).
2.
Special OTS Scheme for NPA accounts up to outstanding ` 1.00 lac was extended up to 31/03/2012. An amount of `
37.73 crore has been recovered.
3.
Under the Simplified OTS Scheme for NPA accounts of outstanding above Rs1.00 lac up to ` 10.00 lacs , Bank has
recovered ` 18.17 crore during the year.
4.
A new scheme Krishak Raahat Yojna was introduced during the year 2012 for recovery in NPA of Tractor/
Agriculture loans of sanctioned limit Up to ` 10.00 lacs and an amount of Rs15.51 crore has been recovered.
5.
DRT LOK ADALATs and District Level LOK ADALATs and other recovery Camps were conducted at different locations
at Regional/Zonal Offices forming cluster of branches during the year ,where major thrust was given to recovery
through negotiated settlements.
6.
Branches/Regions with high concentration of NPAs in small loans have been identified & focused attention is paid
to these Branches /Regions. Branch/Region wise action plan has been drawn for quick resolution of NPAs in these
Branches/Regions.
7.
A total number of 7303 weekly/monthly recovery camps were held at Branches /Regional Offices in which 64275
cases were settled amounting to ` 745 crore.
The Bank is committed to contain NPA level by concerted recovery efforts and also by improving the assets quality during
the year 2012-13.
NEW INITIATIVES
BANCASSURANCE
Insurance service is provided by our Bank under Corporate Agency of LIC of India for life insurance and Chola MS General
Insurance Company for non-life insurance products.
The performance highlights for the year 2011-12 ;
All 16 Zones declared as BIMA Zones by LIC of India
67 Regions declared as BIMA Regions and 800 Branches declared as BIMA Banks by LIC.
Bank has sold 127540 Life Insurance policies during the year and collected premium of ` 184.70 crore recording a
growth of 72% over previous year.
Bank earned commission of Rs13.53 crore from Life Insurance business.
Bank has sold 164181 policies under general insurance business and earned commission of ` 6.30 crore.
Bank introduced family floater Rural Health Insurance Scheme with tie up arrangements with general insurance
partner Chola MS general insurance company.
DISTRIBUTION OF MUTUAL FUND
Bank has tie up arrangement with leading 11 mutual fund houses and earned commission of ` 0.63 crore during
2011-12.
146
DEPOSITORY SERVICES
Bank is offering depository services through 145 identified branches to 23709 demat account holders. Depository service
is offered as a Depository participant under arrangement with Central Depository Services Ltd. (CDSL) through web-based
solutions provided by CMC Ltd.
ON LINE TRADING
Bank is offering three in one On-Line Trading facility with Trade name Cent e-trade. Customers maintaining
bank account and Demat account with the bank are offered on-line-trading facility for trading in Equity Shares and
Derivatives under arrangement with leading broking firm, M/s. Angel Broking Ltd.
Capital Market Services Branch opened in Mumbai for offering capital market facilities such as ASBA, Demat, Clearing
Bank etc. is the controlling branch for on-line trading.
INFORMATION TECHNOLOGY
1. CORE BANKING SOLUTIONS:
All branches and other offices were brought under Core Banking platform. Bank has achieved 100% coverage of CBS at all
RRBs. All branches were opened under CBS from day one.
Location wise coverage of CBS as on 31.03.2012, are given hereunder:
Branches
4006
Extension Counters
18
Extended Service / Satellite
19
Asset Recovery Branch (ARB)
Non- Business Office (NBO)
21
Specialized Centre for Account Processing) SCAP
Centralised Credit Processing Centers (CCPC)
15
Zonal Office:
16
Regional Offices:
75
Training College:
Cash Management System (CMS)
2. NETWORK & CONNECTIVITY.

Network connectivity has been provided to a total of 4201 locations. BSNL is the principal service provider for network of
the branches. 800 branches are provided with VSAT backup from different service provider, namely, M/S Hughes. 300 Links
procured for newly opened branches. 275 VSAT have been installed as the primary links at branches where secondary link
CDMA signal is weak.
New Check Point Firewall with higher capacity has been installed at DC & DRC for smooth functioning of new IT Projects
,SDR, LAPS, FI etc. as well as for the legacy applications. Network uptime has increased to 98% from 96% in the previous
year.
Number of branches isolated more than 24 hours has reduced to an average of 3 to 4 branches. Bandwidth of all the
Regional Offices has been upgraded to 1 Mbps.
The link between DC & DRC has been increased to 60Mbps from the existing 44 Mbps.
We are providing Video conferencing facility at all the Regional offices/ Staff Training Centers/ Corporate Finance Branches
and increasing the Internet Bandwidth to 8 Mbps from 2 Mbps for the internet bandwidth applications.
147
3. INTERNET BANKING
Internet banking facility has been implemented for individual and corporate customers. Through Internet Banking
customers can avail various facilities like Funds transfer, On line Tax credit view, Utility bill payment, On line Tax payment
for Central Govt. departments and various state Govts., Airlines booking Movie ticketing, shopping, temple donations,
Prime Ministers National Relief fund donations, Resonance and Allens carrier Institute fees collection, stop payment of
cheques, view cheque status, customized account statements in addition to regular statement of account, etc. Besides,
there is also facility for on-line password generation for Retail customers. RTGS/NEFT facility is also available through
Internet Banking for corporate customers.
Funds transfer facility up to a daily limit of 100 crore within Bank as well as facility for bulk upload of NEFT available under
Corporate Internet Banking. Corporate Internet Banking is available in mix and mode approach as per the requirement
of customer. Branches are advised to promote tax payments through Internet Banking. User base for Internet Banking
has been steadily increasing and reached about 181540 as on 31.03.2012. An independent survey conducted by Customer
Research Frontier magazine in the Month of May 2011 quoted that our Internet Banking response time is the fastest
among all the peer banks.
4. ON-LINE TAX PAYMENTS.
E-payment of Direct taxes, excise, service, DGFT license fee, West Bengal State Government tax, Maharashtra Government
Sale tax, VAT and Professional TAX, UP State Tax payment, ICEGATE customs payment, Jharkhand Tax, Delhi Sales Tax, are
available through Internet Banking for on-line payment using Internet Banking. A new module for tax collection of Odisha
and Bihar Govt. where customers of more than 40 banks can pay taxes with payment gateway services provided with the
help of Central Bank Of India, has also been made available. E-Payment system for Ministry of civil services, Food and other
e-PAOs has been made operational.
5. SMS BANKING:
SMS banking provides account information to the customers with real-time alerts on business transactions carried out by
them. Presently, SMS alerts are sent to customers in 15 different Indian languages as per their choice for i) Debit / Credit in
account above ` 1000/- in saving account and ` 50,000/- in Current / OD accounts ii) clearing cheque is bounced iii) account
balance is below the prescribed minimum level iv) fixed deposit maturity before 7 days.
SMS alerts are also sent to branch managers for maintaining control and monitoring purposes and also to higher officials
when physical cash is not tallied before EOD and when the outstanding balance in Technical contra at branches are
unattended for certain prescribed numbers of days. SMS alerts is also proposed for Average weekly cash holding above
0.35% of average weekly deposit to Regional Manager.
6. MOBILE BANKING:
Mobile Banking is implemented using GPRS with enquiry and funds transfer operations. The transaction done through
Mobile Banking is secured with end to end inscription and two factor authentication features. As per RBI guidelines for
transaction up to ` 5,000 we have implemented low security version of Mobile Banking. NEFT fund transfer facility is also
available in Mobile Banking application.
7. TELE BANKING:
Phone banking solution is implemented with voice recording in English and Hindi and the facility is available to all the
customers of CBS branches.
8. MISSED CALL ALERTS:
This facility is available to our CASA customers, whereby customers can get balance and last three transactions free of cost
by giving missed call to specific number. We have received appreciation from Indian Banks Association for this innovative
initiative.
9. APPLICATION SUPPORTED BY BLOCKED AMOUNT (ASBA):
Securities and Exchange Board of India has streamlined the existing process of Initial Public offer of shares by companies
and introduced a supplementary process called as Application supported by Blocked amount (ASBA). We have launched
the ASBA facilities to all our customers by which an investor can subscribe to public issues (IPO/FPO/Rights Issues) through
the Bank by authorizing the bank to block the application from his/her bank account and thereafter remit the allotment
amount. Customers can also apply ASBA through Internet banking application for public issues only.
148
10. KIOSK BANKING:

E-Lobby / Kiosk have facilities of cash deposit, cheque deposit, passbook printing, transaction enquiry, internet banking.
It has been deployed at four locations i.e. Mumbai Main Branch, CBD Belapur, Pune Camp and Press Area Branch at Delhi.
Approval is obtained for installing Kiosk/ E-Lobby at 25 Centers. Accordingly ,we have planned to install two Kiosks each
at bigger Zones viz. Mumbai, Delhi, Chennai, Kolkata, Ahmedabad, Bhopal, Lucknow, Pune & Hyderabad and one each at
smaller zones viz. Nagpur, Raipur, Patna, Guwahati, Muzaffarpur, Chandigarh and Agra. Implementation of these Kiosks is
expected to be completed by 30th June 2012.
11. E-VOUCHER :
E-Voucher Functionality has been implemented on 21.12.2011 under the system transaction are done through POS machine,
facilitating customers to deposit / withdraw cash and also to do fund transfer within the bank up to the limit of Single
Window Operator (SWO).
Other initiatives are planned for current financial year are: integration of GRAS server of Govt. of Maharashtra, installation
of 100 kiosks /e-lobby, integration of E-fright for railways, payment system for LIC of India through Corporate Internet
Banking. Integration with NPCI for Inter Bank Mobile Payment system, integration with IRCTC for railway ticket booking
through Internet Banking.
12. WEB SITE:
Change in look and feel of the website has been done and ready for the production promotion. Modification in the on-line
complaint module in the website is completed and informed to the business department. For Internet Banking and Banks
official website, M/s AAA Technologies Pvt. Ltd. has completed the Security Audit for the 4th quarter.
13. RBI PROJECTS:
All CBS branches are enabled for RTGS and NEFT facility using the Straight through Processing (STP). As on 31st March
2012, 4151 branches/EC/NBOs/offices have been enabled for RTGS and 4150 Branches/ECs/NBOs/offices enabled for NEFT.
NEFT facility is also available through Internet Banking System.
Consequent upon implementing CBS in all 7 RRBs, total number of 1811 RRB branches and extension counters have been
brought under NEFT.
14. CHEQUE TRUNCATION SYSTEM (CTS)
CTS implemented in Chennai on an outsourced model. CTS implementation in Bangalore on pilot basis was done on
24.03.2012 using outsourced model. Approval obtained for implementation of CTS in Coimbatore, using outsourced model.
15. CALL CENTER
Call Centre is operated on outsourced Model by IDBI Intech since July 6, 2011. CBS interface has been provided at Call Centre
with restricted view option enabling the Call Centre agents to provide various accounts level information to customers.
Following services are being offered to customers through Call Centre.
Information on Banks products and services.
Information on Branch/ ATM Location.
Information on Interest Rates and Services Charges.
Balance Enquiry.
Transaction Enquiry.
Enquiry on Cheque Number.
Debit Card Hot-listing.
Enquiry on Interest Earned / Interest Paid.
TDS Enquiry.
Transaction Details
Status of Cheque issued or deposited
CD/CC/OD limit and Interest enquiry
149
Responding to any other calls received from customers.

Recording of grievances and feeding it in Banks Customer Grievances system for its redressal at an appropriate
level.
In order to make the customer services more automated and reduce the response time. Following services are offered
through Interactive Voice Response (IVR) in online environment.
Balance enquiry
Last 4 transactions
Cheque Status
Stop Cheque payment
Transaction PIN generation
16. SINGLE DATA REPOSITORY (SDR):

SDR report requirement finalized and 564 reports given to IBM for designing. Planned to publish reports by May,2012
onwards and a prototype of NPA dash board is built. Corporate Performance Management (CPM) rolled out on 5th March,
2012 for Planning & Budgeting exercise. ALM- Static SRS is finalized, ALM related data extraction is in process and
expected to go live by May, 2012.
17. HRMS:
Parallel Payroll processing for Central Office and all 16 Zones completed for the Month of February 2012 through People
Soft HRMS solution. It is planned to process the salary of all employees for the month of April-2012 centrally under People
Soft HRMS. On-line holiday home/ transit home booking facilities made live through HRMS.
18. IT GOVERNANCE.
The necessary structure for IT Governance in the bank has been set up with the formation of IT Strategy, IT Steering & IT
Risk management committees in the Bank. Steering committee as also the alignment of IT strategy with business strategy
would be discussed at length. Balanced scorecard for projects and IT as a whole has been prepared & approved in Board
and the process of monthly updating has been initiated with latest scoring as of Jan 2012 submitted.
The 1st meeting of the IT Steering committee was held with the following decision taken:
IT policy approved.
Business continuity plan discussed and it was decided to have the BCP for branches enumerating the activities that
shall be performed at branches during network failure and the same to be circulated to all business offices as well as
displayed as notice for the customers.
Hardware disposal policy to incorporate clear instructions and powers of BM/RM/ZM/etc. for steps for disposal of PC,
Printers, ATM, etc.
The need for improvement in Network connectivity was stressed
AUDIT AND INSPECTION
The compliance culture has improved significantly in the Bank during the year. Initiatives were taken to put in place
a robust audit mechanism. The initiatives include - adoption of Information Systems Audit policy, revision of Internal
Audit policy and Concurrent Audit policy falling in line with the draft recommendations of Shri Basant Seth Committee.
Introduction of web-based application system for firms of Chartered Accountants seeking concurrent audit of branches,
off-site monitoring, increasing the ambit to check money laundering, 100% KYC up-dation on CBS, closure of all audit
reports due for closure, recovery of revenue leakage detected during the fiscal, etc. The audit function also helps in
redressing the systemic issues for rendering better customer service at branches.
BRANCH EXPANSION
As on 31st March 2012, Bank is having network of 4011 branches and 29 satellite offices. During the year 283 branches
were opened including up gradation of 121 Extension Counters and conversion of 5 Satellite branches in to full-fledged
branches, 4 specialized NRI Branches, 1 Capital Market Service Branch, 1 Asset Recovery Branch and 7 Mid Corporate
Branches . The demographic distribution was 1497 branches in Rural, 1037 branches in Semi- Urban, 781 branches in Urban
and 696 branches in Metro centers. To commemorate the Centenary Day, Bank has opened 100 branches on 21st December
2011.
150
Extension Counters
In the beginning of the year there were 139 Extension Counters. After conversion of 121 Extension Counters into fullfledged branches it remained 18 at the end of financial year 2011-12.
OPERATIONS
Customer Grievance
Bank has introduced many new concepts during this financial year for improving Customer Services.
A customer can open an account in our bank without introduction from existing customer.
Bank has started issuing ATM card to minors also.
Our Bank has introduced new policy for Senior Citizens/Disabled/ Incapacitated Account Holders-2012 .
Our bank has implemented recommendations of Damodaran Committee on Customer Service.
Customer Grievances
Our Bank has started 24x7 hours Call Center 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. Our Grievances Redressal Mechanism has been adjudged as the best in the Customer Satisfaction
survey conducted by Outlook Financial.
IBR
Consequent upon brining all the branches under Core Banking Platform, a new IBR System C2C(Core-to-Core) implemented
w.e.f. 01.02.2012. The new System has One-to-One matching of entries (Auto Reconciliation) which was not available in
the old system and many other features regarding issue and payment of Demand Drafts, Inter Branch Transactions and
Inter- Bank Cash Transfer.
RAJBHASHA
Bank has been awarded 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. The Shield was received by Shri Mohan V.Tanksale, Chairman and Managing Director from the Honble President Smt.
Pratibha Devisingh Patil in a grand function organized at Vigyan Bhawan, New Delhi.
Our Bank has also received an award shields/prizes meant for Banks and Financial Institutions by Reserve Bank of India
under the Reserve Bank of India Governor Shield Competition for the best Implementation of Official Language in
Linguistic Region A and B.
Further, in this year our Bank has been awarded for the best performance in implementation of Official Language Policy
in Maharashtra by Maharashtra State Level Bankers Committee and in Gujrat by Gujrat State Level Bankers Committee.
During financial year, various Town Official Language Implementation Committee (TOLIC) working under the Government
of India, Ministry of Home Affairs, Official Language Department have given in all 30 awards/prizes to our various Regional
Offices, Zonal Offices and Branches. Town Official Language Implementation Committee, Bhopal and Town Official
Language Implementation Committee Raipur, for which our Bank is convener, have been awarded by Government of India,
Ministry of Home Affairs, Official Language Department.
Committee of Parliamentary on Official Language inspected our Kalimpong Branch and Kursiang Branch under Zonal
Office, Kolkata and Manali Branch under Zonal Office, Chandigarh in respects Implementation of Official Language, this
year. The efforts and steps for implementing Official Language Policy by our Bank were very well appreciated.
Our Bank has also provided facilities to work in Hindi under Core Banking Solutions. Our Bank is providing passbook, draft,
fixed deposit receipts and statements in Hindi to our customers on their demand. Our Bank sending the SMS in Hindi as
well as in 7 different regional languages to our esteemed customers.
During this year, Bank has organized Rajbhasha Seminar in Bhopal, Delhi and Mumbai in the month of August, September
and October, 2011 respectively. Besides this, three 2 days Special Seminar were arranged in Bhopal and Mumbai for all our
Rajbhasha Officers. Further, Special Rajbhasha Seminar was organized for Rajbhasha Officers in Mumbai on 27th January, 2012.
151
Rajbhasha Department, Central Office has played an important role in publishing our Banks History Book in Hindi. This
book was released by Dy. Governor, Shri Anand Sinha, Reserve Bank of India on 29th March, 2012 at the function organized
at the Chandermukhi auditorium.
Some of the important points to be implemented during this financial year are as under:
1.
On-line submission of Quarterly Progress Report under web base reporting.
2.
Extant facilities of printing the Passbook, Demand Draft, Fixed Deposit Receipt and Statements in Hindi to be
extended in most of the branches so that maximum number of our customers can utilize this facility.
3.
To win maximum prizes awarded by Rajbhasha Department, Ministry of Home Affairs, Government of India and
Reserve Bank of India.
4.
To increase potentiality and enhancement in performance, training will be imparted to all the Rajbhasha Officers.
CORPORATE COMMUNICATIONS
During the year, under our corporate branding exercise through national and regional newspapers in absolute terms, we
have reached to a circulation of 2013.60 lacs with an expenditure of ` 819.56 lacs providing us a minimum recall value of
` 0.40. For creating and enforcing brand equity among executives and businessman, niche publications were used as a
media of communications time to time during the review yearly period ended March 2012.
Looking to our Centenary Year Corporate Publicity for creating continuous awareness about our brand, services and
products through Print, Electronic and Outdoor Media has been carried out by the corporate office. During the process,
both budgeted and non-budgeted campaigns/ publicity were carried out for achieving the marketing objective of the
Bank. To increase the visibility during Centenary year all our office premises have been illuminated and we have taken
prime hoarding sites for display of our Centenary journey.
During the Centenary year different programmes were organized at all the centres. Concluding programme was organized
at New Delhi and Mumbai. The programme held on 21.12.2011 at Delhi was graced by Shri Pranab Mukherjee, Honourable
Finance Minister, GOI, Shri Namo Narain Meena, MOS, GOI, Shri D.K.Mittal (IAS), Secretary, Dept. of Financial Services, MOF,
GOI . Our History Book was released during this auspicious event. The programme held in Mumbai on 26.12.2011 was
graced by Chief Minister of Maharasthra, Shri Prithviraj Chavan and during the event Unsung Heroes, Valued VIP customers
and Ex-Top Executives were felicitated.
During the year Bank has telecasted TVC showcasing a 100 years journey of our Bank coinciding with the progress of the
nation. This TVC has created buzz in the market. It was liked by every viewer. We have telecasted following TVCs during
the year:
Three products viz. Cent Home, Cent Vehicle, Cent Jewel
TVC on Centenary Year Banks Corporate film 45 seconds
CMDs Speech on Radio on 21st Dec. 2011
Vignette of our Bank on TV on 26th Dec. 2011
We have our presence on following websites:
www.legalera.in for providing information on legal matters
www.eaclubdelhi.in - information of various things in and around Delhi
Our branding efforts during the year has shown a marked progress in its brand performance in Brand Finances Top 500
Global Financial Brands, Bank has moved up from its ranking of 390 in 2011 to 329 in 2012 , a jump of 61 places in overall
ranking
VIGILANCE
During the period 2011-12, Bank worked to bring further improvement in all spheres of activities with remarkable degree
of success, like Vigilance cases as also complaints have been disposed off much faster, invocation of regulation 20.3 [iii] of
Officers Service Regulations has been lowest ever, etc. Further, Vigilance Officers and Dealing Officers have been trained
in CBS environment for effective and expeditious handling of matters.
152
As a new initiative, Fraud Prevention Committees have been formed at Zonal level to discuss the specific issues of frauds with
effective measures to tackle the lacunae in the system. The Committee comprises of Zonal Manager, Regional Managers
and one Branch Manager each of rural, semi urban and urban/metro branches. Also facility for viewing the large value
transactions including those of staff members at the Branches is now provided to controlling offices.
During the Vigilance Awareness Week, with an aim to curb the malpractices, the department has initiated a new portal on
our web to facilitate reporting malpractices by our employees without revealing their identities which would be known
to the Chief Vigilance Officer only. This portal in the name of Cent Vigil was inaugurated by Shri J M Garg, Vigilance
Commissioner, Central Vigilance Commission on 24th November 2011.
To ensure reporting of the fraud cases to Reserve Bank of India within stipulated period, now submission of report [FMR-l]
has been made online from July 2011 resulting in almost no delay in our reporting to RBI on this count, during the year
2011-12.
In an effort to boost the morale of field functionaries, the employees who have exhibited exemplary courage in prevention
of frauds/recovery of fraud amount, have been felicitated at the hands of the Vigilance Commissioner, CVC and the CMD
during Vigilance Awareness Week in November 2011.
HUMAN RESOURCE DEVELOPMENT
1.
MANPOWER
At the end of March 2012, the staff strength of the Bank stood at 35901 (including PTSK) as against 34,015 in the previous
year. The category-wise break-up of staff is given below:
Category
March 2012
March 2011
Officers
12375
12883
Clerks
15167
12770
8359
8362
35901
34015
Sub-staff
Grand Total
2.
HUMAN RESOURCES DEVELOPMENT

I.
Awards Conferred in Appreciation of Best HR Practices Institutionalized by the Bank:
Our CMD has been conferred with an Award CEO WITH HR ORIENTATION, a prestigious leadership Award
in recognition of his outstanding contribution to Human Resources Development, Leadership and Capability
building, in the conference of World HRD Congress.
In recognition of the Banks initiative in evolving and rolling out excellent and innovative, HR practices across
the Organization, Bank has been conferred 2 Organizational Awards viz. STAR NEWS HR & Leadership Award
for HR Excellence for INNOVATIVE HR PRACTICES & SHINE.COM, HINDUSTAN TIMES HR Leadership Award for
Leading HR Practices in Quality Work-Life, Physical & Mental Well-Being.
II.
Introduction of New Performance Appraisal Formats:

New formats of Performance Appraisal have been introduced as suggested by Government of India, to bring
uniformity in the Annual Performance Appraisal Reports for officers at all levels in Public Sector Banks.
Accordingly, the revised formats are applicable for appraising the Performance of officers for the Financial
Year 2011-12 and onwards.
III.
Career Path-cum- Promotion Policy for Mainstream & Specialist Category Officers:
The new Promotion Policy for Mainstream & Specialist Category Officers has been formulated with the approval
of the Board after incorporating the Government of India guidelines dated 5.12.2011. The revised Promotion
Policy shall be applicable w.e.f 31.01.2012. These provisions have been further amended as per the further
guidelines received from Government of India vide its communication dated 14.03.2012.
153
IV.
Amendments in Norms for Transfer of Officers in Scale I, II & III:

During the period under review having regard to growing aspiration of officers, certain officer-friendly changes
have been made in existing provisions of the Transfer Norms for officers. These changes have injected new
rejuvenation among officers and the same were greatly lauded by all officers.
V.
Launching of a web-portal christened Cent-Samadhan :

Bank has launched a web-portal christened CENT-SAMADHAN for seeking redressal of individual grievances
by staff members. The grievances received through this portal will receive the attention of CMD/ED. The above
initiative has been taken with a genuine intention of quick resolution of employees individual grievances
and to create an environment of confidence, transparency amongst the staff so as to benefit them as well the
Institution in terms of productivity & performance.
VI.
Incentive scheme for Sub-ordinate staff who improve their Educational qualifications after joining
the Bank:
In order to encourage and motivate the sub-ordinate staff members to improve their educational qualifications
after joining the Bank, an Incentive Scheme has been evolved by the management. Incentives are available
under the scheme for passing SSC (Xth Standard/Matriculation) and/or HSC (10+2) from any State/Central Board
and/or Graduation in any discipline from any approved University recognized by UGC. Incentives comprise of
reimbursement of examination fee in full, payment of honorarium and Letter of Appreciation.
VII. HR Excellence Award to felicitate Regional Managers who excel in implementing HR practices:
In order to raise awareness of the necessity for implanting the HR Policies & Practices which are being rolled
out by Corporate Office and also to assess the state of implementation of the same by Regions/Zones, a Scheme
with the name and style HR Excellence Award to felicitate Regional Managers who excel in implementing
HR Practices, has since been launched.
VIII. Introduction of Sabbatical leave to women employees to meet their special problems during their
career.
Sabbatical leave to women employees has been introduced in our bank w.e.f. 1.4.2012 to meet their special
problems during their career on the lines of broad guidelines received from Government of India vide its
communication dated 28.02.2012.
IX.
Benefits/facilities extended to employees:

Enhancement in quantum of House Building Advance, Additional Housing loan, Rent reimbursement etc., were
brought about to motivate the employees to do the best for the institution.
3.
TRAINING:
Quality training is the cornerstone for building healthy succession and to nurture a sound managerial team. Accordingly,
during the year 2011-12 Training & Development function continued to be given major thrust. 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 encompassing training modules, contents and delivery systems etc.
During the year 2011-12, in order to increase the horizons of knowledge of our executives/senior level officers so as to
enhance the intellectual capital of the bank, the interactive sessions and Mind mapping sessions with Dr. Pritam Singh
& Mrs. Asha Bhandarkar, eminent management professionals of International repute, were conducted wherein the
rich experiences were shared and contemporary business areas discussed and deliberated. Special training programmes
were conducted exclusively by outside experts/agencies of high repute on Distribution of Mutual Fund, Management
Development Programme, Sensitization of Junior Level Officers on Customer Service etc., Further, internal training
programmes were conducted on RSETI, Financial Inclusion, Hand on experience on Syndicate ASBA, Programme for Newly
Promoted Chief Managers etc. In order to familiarize with various bank functioning, Clerical Staff appointed during 201112 were imparted extensive training programme. During the year 2011-12 around 884 classroom training programmes
were conducted covering more than 14766 participants and 92206 man-days by three Training Colleges and nine Zonal
Training Centers. In the year 2011-12, 54 officers have been sent for overseas training/exposure/ visit. This apart, officers in
various scales were sent for specialized programmes conducted by external training agencies like NIBM, CAB, BIRD, FEDAI,
IDBRT, IIBM etc. During the year 2011-12, 9 pre-promotion programmes for officers were conducted covering 104 SC and
48 ST candidates.
154
4.
RECRUITMENT & PROMOTIONS:
In order to inject required professionalism in the Institution, process of inducting MBAs in various fields continued during
the Financial Year 2011-12 as well and accordingly, 6 fresh MBAs in Scale-I, 98 in Scale II & 7 in Scale-III have been recruited
through campus mode from the Professional/Management institutions like NIIM, IIFT, Wellingkar Institute, VIT,etc besides
the regular recruitment processes in respect of Specialists and Mainstream posts. In order to ensure a good blend of
experience and contemporary knowledge/skills, the system of campus recruitment of MBAs will be continued in future as
well.
In the year 2011-12, recruitment process was held for 4219 posts encompassing MBAs in Scale-I, II & III, Engineers, Librarian,
Security Officers (all in Scale-II), Chief Dealer (Scale V), Asst. General Manager (IT), Clerical Staff, Drivers and Armed Guards
(Sub-staff cadre).
The promotional exercise has been made more motivating and as such as a corporate goal, it has been resolved to hold the
promotion processes as frequently as possible for all scales/categories. Accordingly, during the year 2011-12 inter-scale and
inter-cadre promotion processes were conducted and as many as 3028 employees/officers were elevated to higher cadre/
scale, out of which 743 sub-staff were promoted to clerical cadre. All PTSKs (around 2500) have been elevated as SafaiKarmachari-cum-substaff in full time.
5.
IMPLEMENTATION OF RESERVATION POLICY:
The Bank has been implementing the guidelines/instructions received from Government of India/Indian Banks Association
on Reservation Policy and concessions and relaxations are extended to SCs/STs/OBCs/PWDs/Ex-servicemen as admissible in
the Reservation Policy. The Parliamentary Committee under the Chairmanship of Shri. Gobinda Chandra Naskar visited at
Diu from 15.11.2011 to 17.11.2011 to examine the representation of Schedule Castes and Scheduled Tribes in our Bank.
Further, Shri Raju Parmar, Honorable Member of National Commission for Schedule Castes had 5 meetings with our Bank
at different places to undertake study of implementation of Reservation Policy in our Bank.
6.
BUSINESS MEETINGS WITH REPRESENTATIVES OF UNIONS / ASSOCIATIONS:
During the year under review, exclusive meeting was held on 12th September 2011 & 23rd February 2012 at Corporate
Office level with major Unions/Associations to discuss solely on the strategies of business development. The Management
expressed that it should be endeavour of all employees to improve the business status of the bank and exhorted the unions
to prevail upon their members to give their best to the institution.
7.
STAFF WELFARE SCHEMES:
Welfare of Staff and their families continues to be the committed endeavour of the management and this endeavour
is always kept on the top of the HR agenda of the Bank. Accordingly, during the year, an amount of ` 15 crore has been
apportioned for expending towards various Staff Welfare Schemes and the schemes have been thoroughly improved upon
both in terms of ceilings and coverage.
8.
INDUSTRIAL RELATIONS:
The Industrial Relations during the year remained very cordial.

SUBSIDIARIES AND JOINT VENTURES
CENTBANK HOME FINANCE LIMITED
The Net Profit of the Company stood at ` 5.72 crore as at March 2012, as against the level of ` 9.36 crore as of March 2011.
The main reason for decrease in profit is on account of increase in cost of funds borrowed i.e. hike in Base Rate of funds
lent by Central Bank of India and overall increase in establishment and other expenses. The loan outstanding increased
from ` 282.13 crore as on March 2011 to ` 290.30 crore as on March 2012.
The Company has consistently improved its Net Own Fund by adding Profit to the Reserves. Net worth has gone up from
` 55.21 crore in March 2011 to ` 57.44 crore in March 2012. Deposits from public and institutions have increased from
` 48.03 crore as on March 2011 to ` 48.34 crore as on March 2012.
CENTBANK FINANCIAL SERVICES
Centbank Financial Services Limited is essentially providing ancillary corporate financial services. During the year 2011-12,
CFSL has significantly diversified its business profile to make CFSL a full-service investment bank. CFSL services include:
155
Project Appraisal and Loan Syndication

Capital market Transactions(both equity and debt)
Corporate Advisory Services including M&As and Debt Restructuring, Project Advisory, Securitization, Risk
Management, Business Valuations, Private Equity and TEV Report
Trusteeship Services including debenture/security Trustee, Executor Trustee, Managing Charitable Trusts
The company earned a Net Profit of ` 9.30 crore as of March 2012 against Net Profit of ` 7.24 crore in the previous
year.
INDO-ZAMBIA BANK LTD.
The Banks 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. While the total business of the bank
stood at ` 1552.70 crore. As on 31st March 2012, the Bank earned a Net Profit of ` 36.14 crore .
REGIONAL RURAL BANKs (RRBs)
Bank has 7 sponsored RRBs as on 31.03.2012 covering 57 districts with a network of 1806 branches. The cumulative
performance of all the 7 RRBs under major parameters as on 31.03.2012 is as under:
A. Branch Expansion: During the year 2011-12, the RRBs have opened 46 new branches raising the total number of
branches from 1760 as on 31.03.2011 to 1806 branches. All RRBs are on CBS platform and are also providing NEFT facility
to customers.
B. Deposits: The deposits of RRBs increased from ` 15844 crore as on 31.03.2011 to ` 17793 crore as on 31.03.2012,
registering a growth of 12.30%.
C. Advances: The advances of RRBs have increased from ` 7709 crore as on 31.03.2011 to ` 8867 crore as on 31.03.2012
showing a y-o-y growth of 15.03%.
D. Profitability: The RRBs have earned profit of ` 177.15 crore during the year 2011-12 against the previous years profit
of ` 146.58 crore recording a y-o-y growth of 20.85%.
AWARDS & ACCOLADES
Bank has been ranked 4th best Public Sector Bank in India under Brand Equity-Top 100 most trusted Brands 2011
and ranked at 16th position in 2011 under Indias Most Trusted Service Brands category as per survey conducted by
Economic Times.
Bank won Indira Gandhi Rajbhasha Award for successful implementation of Official Language Policy at the hands of
President Smt. Pratibha Devi Singh Patil.
Bank has received the prestigious Golden Peacock Award 2011 instituted by Institute of Directors (IODs) under
innovative product/service category for retail product Cent Sahyog for MSME segment.
Bank has been awarded as Best BFSI Company by Business & Economy magazine.
Bank was awarded with Exemplary Brand Leader Award for projecting excellent Brand image in the country by Indra
Group of Institute, Pune .
Bank was conferred 2 Awards for Best HR Strategies & Innovation in Employee Retention Strategies by Greentech
Foundation, New Delhi.
For and on behalf of the Board of Directors

Place : Mumbai
Date : May 24, 2012
Mohan V Tanksale
156
CORPORATE GOVERNANCE
Banks Philosophy of Corporate Governance
The 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 Bombay Stock Exchange 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.
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. 2011-12, the composition of the Board was as under:
Shri S. Sridhar (UPTO 31.05.2011)
Chairman and Managing Director
Shri M.V.Tanksale (From 29.06.2011)
Smt.V.R.Iyer (From 01.09.2010)
Executive Director
Shri R.K.Dubey (From 01.09.2010)
Executive Director
Dr. Shashank Saksena (Upto 14.11.2011)
Government of India Nominee Director
Shri Alok Tandon (w.e.f. 15.11.2011)
Government of India Nominee Director
Shri Salim Gangadharan (From 30.07.2010)
RBI Nominee Director
Shri Brijlal Kshatriya (From 20.11.2008 to 19.11.2011) and

(w.e.f. 10.01.2012)
Shareholder Director
Prof. N. Balakrishnan (From 20.11.2008 to 19.11.2011)

and(w.e.f. 10.01.2012)
Shareholder Director
Shri Romesh Sabharwal (From 06.10. 2009)
Part Time Non-official Director
Major (Retd) Ved Prakash (From 20.10.2009)
Shri B. S. Rambabu (From 16.03.2010)
Workmen Employee Director
Shri Guman Singh (From 08.08.2011)
The Chairman and Managing Director and the Executive Directors are whole time Directors of the Bank.
Brief Profile of the New Directors
1.
Shri M.V.Tanksale, Chairman & Managing Director (D.O.B. 31.07.1953)

Shri M. V. Tanksale assumed charge as Chairman & Managing Director of Central Bank of India on June 29, 2011.
Shri Tanksale is backed by professional credentials like Associate member of the Institute of Cost & Works Accountants
of India (AICWA); Company Secretary (Inter) of the Institute of Company Secretaries of India; CAIIB; Bachelors degree
of Science and Masters degree in English Literature.
Shri Tanksale was born on 31st July, 1953 at Nagpur in the State of Maharashtra. He joined Union Bank of India as an
Assistant Manager on August 26, 1974 at Gwalior, Madhya Pradesh, India. He is a person having extensive experience
both at the field level and Administrative office and rose upto the level of General Manager of the same Bank.
As a Visionary Banker for a span of more than 36 years, he has held several important fields and administrative
positions, such as Deputy/Head- Credit Monitoring, International Banking and Planning, Research & Development, etc.
157
He also made extensive efforts in promoting e-banking products and third party products, viz, insurance and mutual
funds, etc. In his last assignment as General Manager he had set up Transaction Banking Division of the bank,
wherein on the strength of technology based platform, the bank could put forth a wide array of products and
services for the customers.
Shri Tanksale was appointed as Executive Director of Punjab National Bank (PNB) on March 26, 2009. As Executive
Director in Punjab National Bank, Shri Tanksale had effectively driven functional areas like Planning & Development,
Marketing, Human Resources, Priority Sector & Financial Inclusion, IT, Inspection & Audit, Risk Management Division,
Treasury Division, International Banking Division, Recovery Division, Financial Inclusion etc.. After the exit of Dr. K.
C. Chakrabarty as Deputy Governor of RBI in June09 and prior to joining of Shri K. R. Kamath the present CMD, Shri
Tanksale headed PNB successfully for a brief period of 4 months.
2.
Shri Alok Tandon (D.O.B. 22.09.1962)

Shri Alok Tandon is a mid-career professional belonging to the Indian Administrative Service (IAS) of the Government
of India. Hes an electrical engineer by academic training. In 1984, he graduated at the top of his batch, which
is across all engineering disciplines, from Indian Institute of Technology at Kanpur with a bachelors degree in
Electrical Engineering. He received the Presidents Gold Medal, awarded personally by the President of India for this
achievement. However, the richness of experience in a career coupled with the strong desire to contribute to public
service motivated him to join the IAS in 1986.
During his more than 25 years of service in IAS till date, Shri Tandon has held various assignments as Sub Divisional
Magistrate, Chief Development Officer, Joint Secretary and District Magistrate. As District Magistrate of Allahabad,
he supervised the setting up of a temporary township on the dry bed of river Ganges in a record time of 4 months
to accommodate over one million devotees. Shri Tandon worked as Chief Executive of a thermal power generation
company having 5 generating stations and a combined revenue exceeding $ 1 billion. He has kept himself updated in
the academic front too. He took 2 years off from his work in the years 2005-07 and spent this time gainfully in academic
pursuits in top US universities ( Princeton University and University of California, San Diego) learning advanced tools
of economic and public policy. He is presently holding the post of Joint Secretary, Dept. of Disinvestment, Ministry of
Finance, Government of India.
3.
Shri Guman Singh, Non-Official Part-Time Director (D.O.B. 24.03.1937)

Shri Guman Singh is appointed as Part-Time Non-Official Director on the Board of Central Bank of India on 08.08.2011.
He is a retired Railway Official and is presently holding the post of President, National Federation of Indian Railway
men, President Indian National Trade Union Congress, Rajasthan State, President Uttar Paschim Railway Mazdoor
Sangh, Member - National Council Joint Consultative Committee, New Delhi, Secretary (National Level), Indian
National Trade Union Congress.
4.
Shri Brijlal Kshatriya, Shareholder Director (D.O.B. 23.09.1936)

Shri Brijlal Kshatriya, Shareholder Dierctor is a specialist in Management of Steel Plant and has an extensive training
experience in works and HR functions in India and abroad. He has a bachelors degree in Metallurgical Engineering
from BHU. He has served in the top administration of different plants of SAIL, ultimately taking charge as MD of
Bokaro Steel Plant. He was accorded with Rajiv Gandhi Excellence Award in 1993, Mother India International Award
from NRI World in December 1993 and Glory of India International Award of India in December 1993. He was elected
on November 20, 2008 as a Shareholder Director on the Board of Central Bank of India upto November 19, 2011. He
was re-elected as a Shareholder Director w.e.f. 10.01.2012 for a period of three years.
5.
Prof N. Balakrishnan, Shareholder Director (D.O.B. 01.06.1950)

Prof N. Balakrishnan, Shareholder Director is a scientist of highest international repute. He holds a degree in BE (in
Electronic curriculum) from University of Madras with Ph.D from Indian Institute of Science in 1979. He is at present
an Associate Director of Indian Institute of Science and a Professor at Rep of Aerospace Engineering. He played a
crucial role in building Indias first Super Computer Centre. He has over 200 publications in the International journals
and Conferences. He was honoured with Padmashree from the President of India in 2002, Homi J. Bhabha Award
for Applied Science in 2004, J. C. Bose National Fellowship in 2007. He is currently a member of National Security
Advisory Board. Prof. N. Balakrishnan has provided his critical inputs in many major National initiatives in IT planning
and Information Security. He was elected on November 20, 2008 as a Shareholder Director on the Board of Central
Bank of India upto November 19, 2011. He was re-elected as a Shareholder Director w.e.f. 10.01.2012 for a period of
three years.
158
DETAILS OF OTHER DIRECTORS

1.
Smt V.R.Iyer, Executive Director (D.O.B. 01.06.1955), is having Masters Degree in Commerce (M.Com) and CAIIB.
She has joined the services of Union Bank of India in December 1975 and was engaged in various challenging
assignments in the past thirty years with good stint of experience in branch banking of very large and extra large
branches 9 years and 15 years in Credit Department of prestigious zones of Mumbai and Pune. Ms. Vijayalakshmi
Iyer, with a rich experience and combination of operational banking and credit experience was assigned setting up
of Risk Management Department for the Bank in 2000. She had also served as Deputy General Manager (Information
Technology) during 2006-07 and in January 2008, she was promoted as General Manager for holding and managing
both the portfolios of Information Technology and Risk Management. She managed to establish 2500 branches
under Core Banking Solution, putting in place different delivery channels, a comprehensive centralised MIS Solution
and also automated the entire Credit Management. Prior to being elected as Executive Director with our Bank she
was heading MSME Department.
She joined Central Bank of India on September 01, 2010 as Executive Director and has been placed as incharge of
verticals of Treasury, Financial Services, International Division, MBD, IT, Planning & Development, Central Accounts,
Balance Sheet, Risk Management, New Initiative Department, Knowledge Management, Audit etc.
2.
Shri R.K.Dubey, Executive Director (D.O.B. 10.09.1954) is having Masters Degree in English Literature and is also
an MBA Graduate. He is qualified Law Graduate and CAIIB. He is a techno-savvy banker having an extensive multi
dimensional banking operational experience of more than 30 years in Punjab National Bank, encompassing 10 years
as Regional/Zonal/Circle Head, 9 years in branch operations at grass root level as incumbent of branches, besides 4
years of training assignment as incharge of Banks Training College and 1 year as 2nd in command of Information
Technology Division at Banks Corporate Office and the last five months as Head of Marketing Services Division at
PNBs Corporate Office.
He joined Central Bank of India on September 01, 2010 as Executive Director and has been placed as incharge of
verticals of Organisational Planning, Human Resources, Operations, Subsidiaries, Priority Sector, Financial Inclusion,
Retail Banking, Recovery, General Administration etc.
3.
Shri Salim Gangadharan, RBI Nominee Director(D.O.B. 13.10.1953) is MA, CAIIB and has been working with the
Reserve Bank of India (RBI) over 30 years and is currently Regional Director of RBI Thiruvananthapuram. During his
career in Reserve Bank of India, he has worked in various Operational Departments, particularly in bank supervision
and financial markets. He was also a Member Faculty in the Bankers Training College of the Reserve Bank of India,
for five years and handled several seminars and conferences on Risk Management, Payment Systems, and Treasury
Management etc. He was also on secondment to the Central Bank of Oman for five years. He was associated with
the IMF Team to assess the need for convergence in supervisory practices across the GCC countries, as part of the
proposed Monetary Union. He was part of several internal Working groups in Reserve Bank of India / Government of
India. He has also presented papers in several seminars, including at the Centre for Central Banking Studies, Bank of
England.
He was appointed as RBI Nominee Director on the Board of Central Bank of India w.e.f. 30.07.2010.
4.
Shri Romesh Sabharwal, Non-Official Part-Time Director (D.O.B. 19.08.1963) holds MBA from the Sikkim
Manipal University and a diploma in Engineering from Pusa Polytechnic, Delhi. He was appointed on March 03,
2006 as a Part-Time Non-Official Director on the Board of Central Bank of India upto March 02, 2009. He was
reappointed as a Part-Time Non-Official Director on our Board of the Bank from October 06, 2009. He is
Ex-Chairman, Delhi Tourism Transportation Development Corporation. Ltd. and Ex-Vice Chairman, Delhi Consumers
Protection Council. He is a social worker.
5.
Major (Retd.)Ved Prakash, Non-Official Part-Time Director (D.O.B. 02.06.1938) holds a masters degree in arts
from the Osmania University and also holds Diploma in Business & Advance Intelligence course. He was appointed on
October 06, 2005 as a Part-Time Non-Official Director on the Board of Central Bank of India upto October 05, 2008.
He was reappointed as a Part-Time Non-Official Director on our Board of the Bank from October 20, 2009.
He was formerly an officer in the rank of Major in the Indian Army.
6.
Shri B. S. Rambabu, Workmen Employee Director (D.O.B. 03.08.1956) holds Bachelors Degree in Commerce
and Law and is Junior Associate of the Indian Institute of Bankers. He is appointed as Workmen Employee Director
on March 16, 2010. He is a workmen employee of our Bank working at Hyderabad. He is (1) General Secretary, Central
Bank of India Employees Association, Andhra Pradesh, (2) General Secretary, Andhra Pradesh Bank Employees
Federation (3) General Secretary, All India Central Bank of India Employees Federation and (4) Jt.Secretary, All India
Bank Employees Association.
159
OTHER PARTICULARS OF DIRECTORS

Names of
Directors
Date of
Area of
Appointment Expertise
as Director
Shri S. Sridhar 02.03.2009

upto
31.05.2011
Banking
Member of Committees of
Directorship of other
Board of Central Bank of India
Companies
Member
Chairman
MCB, RMC, LVFC,

CSC, ITP. SIGC,
IFRS, ITPA, VIG
MCB, RMC,
LVFC, CSC, ITP,
IFRS, ITPA, VIG
i)
Centbank Financial Services Ltd.
ii) Indo Zambia Bank Ltd.

iii) Agriculture Finance
Corporation Ltd.
iv) Indian Institute of Foreign
Trade.
v) Life Insurance Corporation of
India
vi) Cent Bank Home Finance Ltd.
vii) Indian Institute of Banking &
Finance
Shri M.V.
Tanksale
29.06.2011
Banking
MCB, RMC, LVFC,

CSC, ITP. SIGC,
IFRS, ITPA, VIG
CAC PC PAC
MCB, RMC,
LVFC, CSC, ITP,
IFRS, ITPA, VIG
CAC PC, PAC
i)
ii) Indo Zambia Bank Ltd.

iii) Life Insurance Corporation of
India
iv) Cent Bank Home Finance Ltd.
Smt. V.R. Iyer
01.09.2010
Banking
MCB, ACB, RMC,

LVFC, CSC, ITP,
SIGC, IFRS, ITPA,
RI, CAC, PC, PAC
RI
Shri R.K.
Dubey
01.09.2010
Banking
MCB, ACB, RMC,

LVFC, CSC, ITP,
SIGC, IFRS, ITPA,
CAC, PC, PAC
Nil
Dr. Shashank
Saksena
10.06.2008
Upto
14.11.2011
Economist
ACB, RMC, LVFC,

RC Vigilance
RC
w.e.f.,
15.11.2011
Administration ACB, RMC, L.V.F.C., NC

RC, VIG., NC
Nil
Shri Salim
30.07.2010
Gangadharan
Banking
MCB, ACB, RC,

VIG
Nil
Nil
Shri Brijlal
Kshatriya
Human
Resources
Development
AC, RMC, CSC,

SIGC,
SIGC
i)
Shri Alok
Tandon
Prof N.
Balakrishnan
20.11.2008
upto
19.11.2011
and w.e.f.
10.01.2012
i)
ii) Cent BankHome Finance Ltd.
i)
Industrial Investment Bank of

India Ltd.
ii) Deposit Insurance and Credit

Guarantee Corporation Limited
20.11.2008 upto Information

19.11.2011
Technology
and w.e.f.,
10.01.2012
Eco-Tech Management
Services Pvt. Ltd.
ii) Strategic HR Services Pvt. Ltd.

iii) Sanson International (Firm)
RMC, ITP,
Nil
i)
C-DOT Alcatel Research

Centre Pvt. Ltd.
ii) Data Security Council of India.
160
Names of
Directors
Date of
Area of
Appointment Expertise
as Director
Member of Committees of
Directorship of other
Board of Central Bank of India
Companies
Member
Chairman
Shri Romesh
Sabharwal
06.10.2009
Social Worker
SIGC, IFRS, ITPA,

ACB, NC
ACB
Nil
Major (Retd.)
Ved Prakash
20.10.2009
Social Worker
RMC, ITPA, NC
Nil
Nil
Shri B. S.
Rambabu
16.03.2010
Banking
LVFC, ITPA
Nil
Nil
Shri Guman
Singh
08.08.2011
Retired
MC, RMC, LVFC,
Nil
Railway official CSC, ITP, ITPA, NC
Nil
MC
Management Committee of the Board
ACB
Audit Committee of the Board
RMC
Risk Management Committee
LVFC
Large Value Fraud Committee
CSC
Customer Service Committee
ITP
Information Technology Project Committee
SIGC
Shareholders/Investors Grievances Committee
RC
Remuneration Committee
IFRS
International Financial Reporting Standards Committee
ITPA
Internal Training Policy Advisory Committee
RI
Rights Issue Committee
VIG
Vigilance Committee
CAC
Credit Approval Committee
HR
Human Resources Committee
PC
Premises Committee
PAC
Preferential Allotment Committee
NC
Nomination Committee
Remuneration of Directors:
The Non Official Independent Directors were paid sitting fees of ` 5,000/- upto 17.10.2011 and ` 10,000/- w.e.f., 18.10.2011
for attending every meeting of the Board of Directors and ` 2,500/- upto 17.10.2011 and ` 5,000/- w.e.f. 18.10.2011 for
attending every meeting of various Committees of the Board, apart from reimbursement of usual travelling and halting
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.
During the financial year 2011-12, the following amounts have been paid to the Chairman & Managing Directors and
Executive Directors as total salary, allowances and perks:
Sr
Name
Rupees in lacs
1.
Shri S. Sridhar
2.
Shri M.V.Tanksale
12.10
2.
Smt.V.R.Iyer
13.08
3.
Shri R.K.Dubey
13.05
9.00
In addition to the above salary, allowances and perquisites, the Remuneration Committee of the Board approved the
payment of performance-linked incentive amounting to ` 7,00,000/- to Shri S.Sridhar, Ex-Chairman & Managing Director,
161
` 2,30,000/- to Shri Ramnath Pradeep, Ex-Executive Director, ` 2,30,000/- to Shri Arun Kaul, Ex-Executive Director,
` 3,20,000/- to Smt. V. R. Iyer, Executive Director and ` 3,20,000/- to Shri R. K .Dubey, Executive Director, in respect of the
financial year 2010-11.
During the year under review, the Bank has paid ` 3,95,000 (Rupees Three lacs Ninety Five Thousand only) to the eligible
Directors towards sitting fees for attending Board Meetings and ` 3,65,000 (Rupees Three lacs sixty five thousand only)
towards attending the Sub-Committee Meetings of the Board.
Conduct of Board Meetings
During the year, 13 Board Meetings were held on the following dates:
20.04.2011
29.06.2011
29.09.2011
21.12.2011
28.03.2012
06.05.2011
29.07.2011
01.11.2011
31.01.2012
30.05.2011
29.08.2011
26.11.2011
29.02.2012
Details of attendance of the Directors at the Board Meetings are:

Name of the Director
Attendance
Recorded
Meetings
Period (From - To)
held during
their tenure
Whether attended last AGM

on July 29, 2011
Shri S.Sridhar
03
03
01.04.2011 30.05.2011
Not a Director on the date of AGM
Shri M.V.Tanksale
10
10
29.06.2011 31.03.2012
Yes
Smt.V.R.Iyer
12
13
01.04.2011 - 31.03.2012
Yes
Shri R.K.Dubey
12
13
01.04.2011 31.03.2012
Yes
Dr Shashank Saksena
01
08
01.04.2011 -14.11.2011
No
Shri Alok Tandon
05
05
15.11.2011 31.03.2012
Not a Director on the date of AGM
Shri Salim Gangadharan
10
13
01.04.2011 31.03.2012
Yes
Shri Brijlal Kshatriya
07
03
08
03
01.04.2011 to 19.11.2011
10.01.2012 to 31.03.2012
Yes
Prof N. Balakrishnan
06
03
08
03
01.04.2011 to 19.11.2011
10.01.2012 to 31.03.2012
No
Shri Romesh Sabharwal
13
13
01.04.2011 to 31.03.2012
Yes
Major (Retd.) Ved Prakash
13
13
01.04.2011 to 31.03.2012
Yes
Shri B. S. Rambabu
12
13
01.04.2011 to 31.03.2012
No
Shri Guman Singh
08
08
08.08.2011 to 31.03.2012 Not a Director on the date of AGM
Management Committee of the Board:

The Management Committee of the Board is 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 financial sanctions, compromises/write off proposals and filing of
suits/appeals etc. As on 31.03.2012, it comprised 6 members consisting of the Chairman & Managing Director, 2 Executive
Directors, Reserve Bank of India Nominee Director, and 2 part time non-official Directors.
The Management Committee of the Board met 23 times during the year on the following dates:
21.04.2011
28.06.2011
16.09.2011
30.11.2011
28.02.2012
07.05.2011
18.07.2011
29.09.2011
17.12.2011
19.03.2012
20.05.2011
30.07.2011
13.10.2011
27.12.2011
27.03.2012
30.05.2011
18.08.2011
01.11.2011
16.01.2012
18.06.2011
29.08.2011
18.11.2011
30.01.2012
162
Attendance record of the members is shown below:

Attendance Record
Shri S.Sridhar
Shri M.V.Tanksale
Smt.V.R.Iyer
Shri R.K.Dubey
04
17
23
22
14
03
06
05
12
08
06
Major(Retd) Ved Prakash

Shri B.S.Rambabu
Shri Guman Singh
Meetings held during

their tenure
04
17
23
23
23
04
06
05
12
12
07
Period on the Management

Committee (From To)
01.04.2011 30.05.2011
29.06.2011 31.03.2012
01.04.2011 31.03.2012
01.04.2011 31.03.2012
01.04.2011 31.03.2012
01.04.2011 09.06.2011
01.04.2011 01.07.2011
02.01.2012 31.03.2012
10.06.2011 09.12.2011
02.07.2011 01.01.2012
10.12.2011 31.03.2012
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 comprising of Chairman and Managing Director, Executive
Directors, Chief General Manager & General Manager in charge of credit, General Manager in charge of Finance and
General manager in charge of Risk Management was constituted w.e.f. 31.01.2012.
The Credit Approval Committee met 4 times during the year on the following dates:
12.03.2012
19.03.2012
26.03.2012
30.03.2012
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 followup on the statutory/external audit of the Bank and inspections of the RBI. The terms of reference to the Audit Committee are:
a.
Reviewing, in respect of Internal Audit, the Internal Inspection/Audit function in the Bank, with specific focus on the
follow-up on inter-branch adjustment accounts, un-reconciled long outstanding entries in inter-bank accounts and
nostro accounts, arrears in balancing of books, frauds and all other major areas of house-keeping;
b.
Obtaining and reviewing half-yearly reports from the Compliance Officers appointed in the Bank in terms of the
instructions of the RBI
c.
Reviewing the scope of the independent audit including the observations of the auditors and reviewing the quarterly,
half-yearly and annual financial statements before submission to the Board;
d.
Following-up, in respect of Statutory Audits, on all the issues raised in the Long Form Audit Report and interacting
with the External Auditors before finalisation of the quarterly/half yearly/annual financial accounts and reports;
e.
Reviewing regularly the accounts, accounting policies and disclosures;
f.
Reviewing the major accounting entries based on exercise of judgment by management and reviewing any significant
adjustments arising out of the audit;
g.
Qualifications in the Draft Audit Report;
h.
To have post-audit discussions with the Auditors to ascertain any area of concern;
i.
Establishing the scope and frequency of Internal Audit, reviewing the findings of the Internal Auditors and ensuring
the adequacy of internal control systems;
j.
Compliance with the Stock Exchanges legal requirements concerning financial statements, to the extent applicable;
k.
Such other matters as may from time to time be required by any statutory, contractual or regulatory requirements to
be attended to, by the Audit Committee.
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
Accountant. Directors from staff will not be included in the ACB.
163
The present members of the Audit committee are as under:

1.
Chairman
2.
Smt.V.R.Iyer
Member
3.
Shri R.K.Dubey
Member
4.
Shri Alok Tandon
Member
5.
Member
6.
Member
During the year, the Audit Committee met 11 times on the following dates:
06.05.2011
29.07.2011
30.05.2011
18.08.2011
29.06.2011
29.09.2011
The attendance record of the members is shown below:
01.11.2011
24.11.2011
31.01.2012
14.02.2012
10.03.2012
Attendance
Record
their tenure
Smt.V.R.Iyer
11
11
Shri R.K.Dubey
11
11
Dr. Shashank Saksena
01
06
Shri Alok Tandon
02
04
09
11
03
03
Prof N. Balakrishnan
06
07
Shri Guman Singh
08
08
Shri Romesh Sabharwal (w.e.f. 11.07.2011)
08
08
Unaudited quarterly results of the Bank and audited results for the year were reviewed by
Board and placed before the Board of Directors for approval.
Period on the Audit

Committee (From To)
01.04.2011 - 31.03.2012
01.04.2011 - 31.03.2012
01.04.2011 -14.11.2011
15.11.2011 31.03.2012
01.04.2011 - 31.03.2012
19.01.2012 31.03.2012
01.04.2011 - 19.11.2011
19.01.2012 31.03.2012
11.07.2011 31.03.2012
the Audit Committee of the
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. It is headed by Shri Brijlal Kshatriya, Shareholder Director on
the Board of our Bank.
The Committee met 5 times during the year on the following dates:
20.05.2011
28.06.2011
18.08.2011
01.11.2011
30.01.2012
The attendance record of the members is shown below:

Shri S.Sridhar
Shri M. V. Tanksale
Smt.V.R.Iyer
Shri R.K.Dubey
Major (Retd.) Ved Prakash
Attendance
Record
01
03
05
05
04
01
01
04
164

their tenure
01
03
05
05
04
01
01
04
Period on the Committee

(From To)
01.04.2011 30.05.2011
29.06.2011 31.03.2012
01.04.2011 - 31.03.2012
01.04.2011 - 31.03.2012
01.04.2011 19.11.2011
10.01.2012 31.03.2012
19.01.2012 31.03.2012
01.04.2011 - 20.12.2011
The details of Investor Grievances for the year 2011-12 (01.04.2011 to 31.03.2012) is as under:
1
2
3
4
5
6
7
8
9
Grievances pending at the beginning of the year

Non Receipt of Dividend Warrants
Non Receipt of Demat Credit/Refund Order
Not Receipt of Annual report
Non Receipt of Share Certificate
Non Receipt of Rejected Demat Request Form
Others
Total Grievances received
Total Grievances attended/resolved
Total complaints pending at the end of the year
NIL
196
10
05
9
03
15
238
238
NIL
We confirm that no investors complaints remained unattended/pending for more than 30 days.
Compliance Officer
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.
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 Dr. Shashank Saksena, Government of India Nominee Director (in the Chair) upto 14.11.2011, Shri Alok Tandon,
Govt. of India Nominee Director (w.e.f 15.11.2011), Shri Salim Gangadharan Reserve Bank of India Nominee Director, Shri
Brijlal Kshatriya and Major (Retd.) Ved Prakash.
The Remuneration Committee met on 29.06.2011 for considering the performance-linked incentive to wholetime directors
for the Financial Year 2010-11.
Proceeds from Public Issues, Right Issues, Preferential Issues, etc.
During the year, Bank has raised ` 2497.39 crores (including premium) from allotment of 242,464,866 equity shares of the
face value of ` 10/- each at issue price of ` 103/- per equity share (including premium of ` 93/- per equity share) to the
shareholders on rights basis. Bank has also raised ` 945.31 crore (including premium) from allotment of 64,009,090 equity
shares to Government of India, and allotment of 25,500,000 equity shares to Life Insurance Corporation of India, of the
face value of ` 10/- each at issue price of ` 105.61 per equity share (including premium of ` 95.61 per equity share) on
preferential basis. Further, Bank has also raised ` 500 crores in the form of Lower Tier II Bonds. 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.
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 Banks
website at www.centralbankofindia.co.in.
Code of Conduct
The Bank has adopted a Code of Conduct for the Board of Directors and Senior Management. The text of the same is
available on the website of the Bank i.e. www.centralbankofindia.co.in. All the Directors and Senior Management have
affirmed their Compliance of code of conduct during the year under review and a certificate affirming the compliance is
given in Annexure I.
The Bank has also framed a Code of Conduct for its Directors and designated employees for prevention of insider trading
in Banks security.
165
Number of shares of Bank held by Directors as on March 31, 2012 is as under:

Sr. No.
1
2
3
4
Name of Shareholder
Shri B. S. Rambabu (jointly with Seetha Rambabu Burra)
Prof. N. Balakrishnan
Smt. V. R. Iyer
Total
Total Shares held

Number
As a % of grand total
549
0.000075
320
0.000043
160
0.000022
116
0.000016
1145
0.000156
Other Disclosures
Other than those in the normal course of banking business, the Bank has not entered into any materially significant
transaction with its promoters, directors or the management, their subsidiaries or relatives etc that may have potential
conflict with the interests of the Bank at large. There was no pecuniary relationship or transactions of the Non-Executive
Directors vis--vis the Bank during the year.
It is an established practice in the Bank that the Directors do not take part in the deliberations of the Board and other SubCommittees of the Board, when matters relating to them or to their relatives are discussed.
The Bank has complied with applicable rules and regulations prescribed by RBI, SEBI, Stock Exchanges or any other statutory
authority relating to Capital Market. No penalties or strictures were imposed on the Bank by any of the Stock Exchanges,
SEBI or any statutory Authority on any matter relating to capital markets during the year under review.
The Bank has complied with the stipulated requirement of Clause 49 of Listing Agreement to the extent that the
requirements of the clause do not violate the provision of Banking Regulation Act, 1949, Banking Companies (Acquisition
and Transfer of Undertaking) Act, 1970 and Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970
and guidelines, provisions, regulations or directives issued by Reserve Bank of India.
Non-Mandatory Requirements (Annexure I D of Listing Agreement)
The Bank has presently not adopted the non-mandatory requirement set out in Annexure-ID to the Clause 49 of the Listing
Agreement.
General Shareholder Information
5th Annual General Meeting of the Bank:
Date: 27th June, 2012 at 4.00 PM at Sir Sorabji Pochkhanawala Bankers 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 2011-12
2.
Date of Book Closure: 23rd June, 2012 to 27th June, 2012 (Both days inclusive)
3.
Dividend Payment Date: on or before 27th July, 2012
4.
Listing on Stock Exchanges:
The shares of the Bank are listed on Bombay Stock Exchange Limited and National Stock Exchange of India Limited. The
scrip codes are as follows:
Bombay Stock Exchange Ltd. (BSE)
National Stock Exchange of India Ltd. (NSE)
ISIN Number
532885
CENTRALBK
INE483A01010
Annual Listing fee for 2012-13 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 31.03.2012
Series Particulars
Lower Tier II-Series IX
Lower Tier II-Series X
Lower Tier II-Series XI
Issue date
08.10.2004
28.03.2006
04.10.2006
Total Value (` in crores)

200.00
578.20
700.00
166
ISIN
INE483A09138
INE483A09146
INE483A09153
Series Particulars
Lower Tier II-Series XII
Lower Tier II-Series XIII
Lower Tier II-Series XIV
Upper Tier II-Series I
Upper Tier II-Series II
Upper Tier II-Series III
Upper Tier II-Series IV
Upper Tier II-Series V
Upper Tier II-Series VI
Total
Issue date
03.03.2008
10.02.2009
21.12.2011
14.11.2008
17.02.2009
23.06.2009
20.01.2010
11.06.2010
21.01.2011
Total Value (` in crores)

389.10
270.00
500.00
300.00
285.00
500.00
500.00
1000.00
300.00
5522.30
ISIN
INE483A09161
INE483A09187
INE483A09245
INE483A09179
INE483A09195
INE483A09203
INE483A09211
INE483A09229
INE483A08015
All these bonds are listed either on National Stock Exchange of India Ltd. or Bombay Stock Exchange Ltd. The Bank has paid
the Annual Listing fee for 2012-13 to the Exchanges.
Market Price Data:
The monthly high and low quotation and the volume of shares traded on NSE (with comparison of share price of Bank
with NSE Nifty) are as under:
Month
April 2011
May 2011
June 2011
July 2011
August 2011
September 2011
October 2011
November 2011
December 2011
January 2012
February 2012
March 2012
High Price (` )
150.70
145.00
125.50
132.90
119.95
107.40
109.25
109.85
95.15
87.00
111.00
111.95
NSE
Low Price (` )
132.80
111.00
112.00
113.10
95.00
96.50
91.65
84.25
65.40
63.10
82.65
92.50
No. of Shares
18268629
15361926
13633438
14893968
15675838
11425195
6746454
10147781
7379164
19382037
27997485
13854492
NSE Nifty
High
5944.45
5775.25
5657.9
5740.4
5551.9
5169.25
5399.7
5326.45
5099.25
5217
5629.95
5499.4
Low
5693.25
5328.7
5195.9
5453.95
4720
4758.85
4728.3
4639.1
4531.15
4588.05
5159
5135.95
The monthly high and low quotation and the volume of shares traded on BSE (with comparison of share price of Bank with
Sensex) are as under:
Month
April 2011
May 2011
June 2011
July 2011
August 2011
September 2011
October 2011
November 2011
December 2011
January 2012
February 2012
March 2012
High Price (` )
150.60
138.00
125.35
132.65
118.30
107.35
109.20
109.90
94.10
87.65
111.00
111.80
BSE
Low Price (` )
132.60
111.15
111.90
113.00
95.15
96.50
95.50
84.20
65.55
63.25
82.00
92.10
167
No. of Shares
62,36,798
38,08,785
29,83,064
35,43,799
41,60,248
36,65,312
17,62,413
27,01,501
18,48,478
50,80,243
64,20,483
28,42,935
SENSEX
High
19811.14
19253.87
18873.39
19131.7
18440.07
17211.8
17908.13
17702.26
17003.71
17258.97
18523.78
18040.69
Low
18976.19
17786.13
17314.38
18131.86
15765.53
15801.01
15745.43
15478.69
15135.86
15358.02
17061.55
16920.61
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.
Mumbai 400 078
Tel: 022-25946970
Fax: 022-25946969
Email Id: rnt.helpdesk@linkintime.co.in
Address for correspondence with the Bank:
AGM-MBD / Company Secretary and Compliance officer
16th Floor, Chandermukhi
Nariman Point
Mumbai - 400 021
Contact No. 022- 6638 7818
Fax No.: 022- 2283 5198
Email id: compsec@centralbank.co.in; investors@centralbank.co.in
8.
Distribution of shareholdings as on 31.03.2012

DISTRIBUTION OF SHAREHOLDING (SHARES)
Shareholding of Shares
Number of shareholders
Percentage of Total
Shares
Percentage of Total
176888
93.48
19746552
2.68
501-1000
7097
3.75
5421037
0.74
1001-2000
2819
1.49
4188856
0.57
2001-3000
801
0.42
2016287
0.27
3001-4000
468
0.25
1671128
0.23
4001-5000
236
0.12
1103196
0.15
5001-10000
482
0.25
3474837
0.47
10001 and above
436
0.23
698493523
94.89
100 736115416
100.00
1-500
Total
189227
Share Holding of persons belonging to the category Public and holding more than 1% of the total number
of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY PUBLIC AND HOLDING
MORE THAN 1% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder
Life Insurance Corporation of India
No. of Shares
73586024
10
Share Holding of persons belonging to the category Public and holding more than 5% of the total number
of shares
STATEMENT SHOWING SHAREHOLDING OF PERSONS BELONGING TO THE CATEGORY PUBLIC AND HOLDING
MORE THAN 5% OF THE TOTAL NUMBER OF SHARES
Name of the Shareholder
Life Insurance Corporation of India
168
No. of Shares
73586024
10
Shareholding pattern as on 31.03.2012

SHAREHOLDING PATTERN AS ON 31.03.2012
Category of Shareholders
No. of Shares
Central Government
Demat
Physical
Demat
Physical
Total
Shares
518626336
64009090
582635426
79.1500
Clearing Member
No. of Shareholders
% of
holding
998981
352
998981
0.1357
10210488
90
1306
10210578
1.3871
1145
1145
0.0002
Financial Institutions
48086024
25500000
16
73586024
9.9965
FIIs
18310435
65
18310435
2.4874
94622
94622
0.0129
1356928
1356928
0.1843
788570
788570
0.1071
Other Bodies Corporate

Corporate Directors
Hindu Undivided Family

Mutual Fund
Nationalized Banks
Non Nationalized Banks
177608
177608
0.0241
Non Resident Indians
871443
1111
871443
0.1184
Non Resident (Non Repatriable)
218752
288
218752
0.0297
42347848
18331
185895
139
42366179
5.7554
Public
Trusts
44810
25
44810
0.0061
4453915
4453915
0.6051
646587905
89527511
189085
142
736115416
100
G I C & Its Subsidiaries

Total
Statement showing details of locked-in shares

Sr. Name of the Shareholder
No.
Number of locked-in
shares
Locked-in shares as a percentage of total

number of shares (i.e. Grand Total of (A) +
(B) + (C)
582635426
79.15
PRESIDENT OF INDIA
LIFE INSURANCE CORPORATION
25500000
3.46
TOTAL
608135426
82.61
Statement showing details of Depository Receipts (DRs)

Sr. Type of outstanding
No.
DR (ADRs, GDRs,
SDRs, etc)
NIL
Number of
outstanding DRs
Number of shares
underlying
outstanding DRs
Shares underlying outstanding DRs as

a percentage of total number of shares
(i.e. Grand Total of (A) + (B) + (C)
NIL
NIL
NIL
Statement showing holding of Depository Receipts (DRs) where underlying shares are in excess of 1% of the total number
of shares.
Sr.
No.
Name of the DR
holder
Type of outstanding
DR (ADRs, GDRs,
SDRs, etc)
Number of shares
underlying
outstanding DRs
Shares underlying outstanding DRs as

a percentage of total number of shares
(i.e. Grand Total of (A) + (B) + (C)
NIL
NIL
NIL
NIL
Dematerialization of Shares
The Banks 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.
169
Particulars of shares in Demat and Physical form held by shareholders as on 31.03.2012 are as under:
No. of shareholders
No. of shares
% shareholding
140
89527511
12.16
NSDL
122225
109217812
14.84
CDSL*
66860
537370093
73.00
Total
189225
736115416
100
Physical
* Including 518626336 (70.46%) 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,
2012 are as under:
Sr. Particulars
No.
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
296
35284
(ii)
Number of shareholders who approached the issuer for

transfer of shares from Unclaimed Suspense Account during
the year
30
(iii)
Number of shareholders to whom shares were transferred

from the Unclaimed Suspense Account during the year
30
(iv)
Aggregate number of shareholders and the outstanding

shares lying in the Unclaimed Suspense Account at the end
of the year
266
35047
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.
Annexure I
Declaration of Compliance with Code of Conduct

I confirm that all Board Members & Senior Management have affirmed Compliance with the Banks Code of Conduct for
the financial year 2011-12.
Place: Mumbai
Date : May 24, 2012
[M V Tanksale]
170
Certification under Clause 49 of the Listing Agreement

To,
The Board of Directors
This is to certify that:
a.
We have reviewed financial statements and the cash flow statement of Central Bank of India for the year 2011-12
and to the best of our knowledge and belief:
I.
These statements do not contain any materially untrue statement or omit any material fact or contain
statements that might be misleading
II.
These statements together present a true and fair view of the Banks affairs and are in compliance with existing
Accounting Standards, applicable law and regulations.
b.
There are, to the best of our knowledge and belief, no transactions entered into by the Bank during the year 201112, which are fraudulent, illegal or violative of the Banks code of conduct.
c.
We accept responsibility for establishing and maintaining internal controls for the financial reporting and that we
have evaluated the effectiveness of the internal control systems of the Bank pertaining to financial reporting and we
have disclosed to the auditors and the Audit Committee, deficiencies in the design or operation of internal control,
if any, of which we are aware and the steps we have taken or propose to take to rectify these deficiencies
d.
We have indicated to the auditors and the Audit Committee

I.
Significant changes in internal control over financial reporting during the year;
II.
Significant changes in accounting policies during the year and that the same have been disclosed in the notes
to the financial statement and
III.
Instances of significant fraud of which we have become aware and the involvement therein, if any, of the
management or any employee having a significant role in the Banks internal control system over financial
reporting.
H K Vesuna
Chief General Manager
M V Tanksale
Place : Mumbai
Date : May 08, 2012
171
Auditors Certificate on Corporate Governance

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, 2012 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 Central Bank of India nor the
efficiency or effectiveness with which the management has conducted the affairs of Central Bank of India.
For M/s. SAGAR & ASSOCIATES

CHARTERED ACCOUNTANTS
F.R.NO.-003510S
For M/s. GSA AND ASSOCIATES

F.R.NO.-000257N
For M/s. D. RANGASWAMY & CO.

F.R.NO.-003073S
(CA B. SRINIVASA RAO )

PARTNER
M. NO.202352
(CA SUNIL AGGARWAL )

PARTNER
M. NO.083899
(CA B. RAMANI )
PARTNER
M. NO.019603
For M/s. K.S. AIYAR & CO.

F.R.NO.-100186W
For M/s. GHIYA & CO.

F.R.NO.-001088C
For M/s. SAMSAND & ASSOCIATES

F.R.NO.-003708N
(CA SANTANU GHOSH )

PARTNER
M. NO.050927
(CA G.P. GUPTA)

PARTNER
M. NO.075000
(CA MILAN SHRIMALI )

PARTNER
M. NO.088578
Place : Mumbai
Date : May 24, 2012
172
Auditors Report to the President of India

1.
2.
3.
4.
5.
6.
7.
8.
We have audited the attached Balance Sheet of Central Bank of India as at 31st March, 2012, the Profit and Loss
Account and the Cash Flow Statement annexed thereto for the year ended on that date in which are incorporated
the returns of 20 Branches, 37 Regional offices audited by us out of a total of 74 Regional offices, 2540 Branches, 20
non-business offices and 9 CMS branches audited by other branch auditors. Also incorporated in the Balance Sheet and
Profit and Loss Account are the returns of 1454 branches, 37 regional offices which have not been subjected to audit.
The unaudited branches account for 3.29% of advances, 12.50% of deposits, 12.51% of interest income and 11.14%
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. These financial Statements are the responsibility of
Banks Management. Our responsibility is to express an opinion on these financial statements based on our audit.
We conducted our audit in accordance with the auditing standards generally accepted in India. Those standards require
that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free
from material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and
disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant
estimates made by the management, as well as evaluating the overall presentation of financial statements.
Dividend has been declared by the Bank without writing off un-amortized amount of pension (` 719.95 Crore) and
gratuity liability (` 166.20 Crore), subject to permission of Central Government.
Without qualifying our opinion, we draw attention to Note no. 12 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. DBOD.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 ` 1181.53 crore as on 1/04/2011, the Bank has amortized ` 239.98 crore
for Pension and ` 55.40 crore for Gratuity being proportionate amount for the year ended March 31, 2012.
The Balance Sheet and the Profit and Loss Account have been drawn up in Form A and B respectively of the Third
Schedule to the Banking Regulation Act, 1949.
Subject to the limitations of the audit indicated in paragraph 1 above and as required by the Banking Companies
(Acquisition and Transfer of Undertakings) Act, 1970, and also subject 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 the same 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 purpose of our audit.
In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable
accounting standards.
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
a.
The Balance Sheet read with the Significant Accounting Policies and Notes thereon, is a full and fair Balance Sheet
containing all the necessary particulars and is properly drawn up so as to exhibit a true and fair view of the state
of affairs of the Bank as at 31st March, 2012 in conformity with accounting principles generally accepted in India.
b.
The Profit and Loss Account read with Significant Accounting Policies and Notes thereon shows a true balance of
Profit for the year ended on that date in conformity with accounting principles generally accepted in India and
c.
The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.
F.R.NO.-003510S

F.R.NO.-000257N

F.R.NO.-003073S
(CA B. ARUNA )
PARTNER
M. NO.216454

PARTNER
M. NO.083899
(CA ANUSHA SREENIVASAN )

PARTNER
M. NO.204567

F.R.NO.-100186W

F.R.NO.-001088C

F.R.NO.-003708N
(CA SATISH K. KELKAR )

PARTNER
M. NO.038934
(CA G.P. GUPTA)

PARTNER
M. NO.075000

PARTNER
M. NO.088578
Place : Mumbai
Date : May 8, 2012
173
Balance Sheet as at March 31, 2012

(000s Omitted)
Particulars
Schedule
No.
As at
31-Mar-12
`
As at
31-Mar-11
`
2,35,31,154
2,02,11,415
2,02,56,836
CAPITAL & LIABILITIES

Capital (refer note 1)
Share Application Money

Reserves and Surplus
10,09,84,104
6,82,65,778
Deposits
1,96,17,33,268
1,79,35,60,153
Borrowings
12,91,95,961
12,88,79,794
Other Liabilities and Provisions
8,25,52,905
6,63,99,293
2,29,79,97,392
2,09,75,73,269
TOTAL
ASSETS
Cash and Balances with Reserve Bank of India
13,11,41,772
14,08,19,916
Balances with Banks and Money at Call and Short Notice
1,01,24,236
1,20,08,097
Investments
59,24,32,651
54,50,44,883
Advances
1,47,51,28,503
1,29,72,54,066
Fixed Assets
10
2,47,39,090
2,42,53,862
Other Assets
11
6,44,31,140
7,81,92,445
2,29,79,97,392
2,09,75,73,269
59,39,13,114
43,35,11,073
5,67,71,907
3,57,60,905
TOTAL
Contingent Liabilities
12
Bills for Collection
Principal Accounting Policies
17
Notes on Accounts
18
The schedules referred to above form an integral part of the Balance Sheet.
M. V. Tanksale
V. R. Iyer
Executive Director
R. K. Dubey
Executive Director
Alok Tandon
Director
Salim Gangadharan
Director
Romesh Sabharwal
Director
Major (Retd) Ved Prakash

Director
Guman Singh
Director
N. Balakrishnan
Director
Brijlal Kshatriya
Director
B. S. Rambabu
Director
For M/s Sagar Associates

Chartered Accountants
F.R.No. 003510S
For M/s. GSA and Associates

F.R.No. 000257N
For M/s. D. Rangaswamy& Co

F.R.No. 003073S
(CA B. Aruna)
Patner
M.No. 216454
(CA Sunil Aggarwal)

Partner
M.No.083899
(CA Anusha Sreenivasan)

Partner
M.No. 204567
For M/s. K.S. Aiyar & Co

F.R.No. 100186W
For M/s. Ghiya & Co

F.R.No. 001088C
For M/s.Samsand & Associates

F.R.No. 003708N
(CA G.P.Gupta)
Partner
M.No.075000
(CA Milan Shrimali)

Partner
M.No.088578
(CA Satish K. Kelkar)

Partner
M.No.038934
As per our report of even date
Place : Mumbai
Date : May 08, 2012
174
Profit and Loss Account for the Year Ended March 31, 2012
Particulars
I.
Year Ended
31-Mar12
`
(000s Omitted)
Year Ended
31-Mar-11
`
13
14
19,14,94,994
1,39,53,016
20,54,48,010
15,22,05,661
1,26,50,414
16,48,56,075
15
16
13,98,08,592
3,74,89,952
2,28,19,075
20,01,17,619
9,89,52,287
3,99,89,883
1,33,89,804
15,23,31,974
53,30,391
14,789
53,45,180
1,25,24,101
11,287
1,25,35,388
13,32,598
4,39,466
1,50,000
2,05,630
12,85,921
14,72,231
4,44,545
14,789
53,45,180
5.95
31,48,525
10,00,000
1,50,000
52,77,293
11,155
11,48,706
13,74,051
4,10,869
14,789
1,25,35,388
22.04
Schedule
No.
INCOME
Interest Earned
Other Income
TOTAL
EXPENDITURE
Interest Expended
Operating Expenses
Provisions and Contingencies
TOTAL
III. PROFIT/ LOSS
Net Profit for the year
Profit brought forward
TOTAL
IV. APPROPRIATIONS
Transfer to :
Statutory Reserve
Investment Reserve
Special Reserve u/s 36(1)(viii)
Staff Welfare Fund
Revenue Reserve
Reserve for Interest on JPY Swap Coupon
Proposed Dividend - Preference Capital
Proposed Dividend - Equity Capital
Dividend Tax
Balance Carried Over to Balance Sheet
TOTAL
II.
EPS (Basic & Diluted) (`)

Principal Accounting Policies
17
Notes on Accounts
18
The schedules referred to above form an integral part of the Profit and Loss Account
M. V. Tanksale
V. R. Iyer
Executive Director
R. K. Dubey
Executive Director
Alok Tandon
Director
Salim Gangadharan
Director
Romesh Sabharwal
Director

Director
Guman Singh
Director
N. Balakrishnan
Director
Brijlal Kshatriya
Director
B. S. Rambabu
Director

F.R.No. 003510S

F.R.No. 000257N

F.R.No. 003073S
(CA B. Aruna)
Patner
M.No. 216454
(CA Sunil Aggarwal)

Partner
M.No.083899

Partner
M.No. 204567

F.R.No. 100186W
For M/s. Ghiya & Co

F.R.No. 001088C

F.R.No. 003708N
(CA G.P.Gupta)
Partner
M.No.075000
(CA Milan Shrimali)

Partner
M.No.088578

Partner
M.No.038934
Place : Mumbai
Date : May 08, 2012
175
Schedules Forming Part of the Balance Sheet as at March 31, 2012

(000s Omitted)
PARTICULARS
As at
31-Mar-12
`
As at
31-Mar-11
`
SCHEDULE 1 : CAPITAL
3,00,00,000
Authorised Capital
3,00,00,000
300,00,00,000 shares of ` 10/- each

Issued, Subscribed and Paid up Capital :
73,61,154
40,41,415
73,61,15,416 equity shares of ` 10/- each (includes

58,26,35,426 shares of `10/- each held by Central
Govt)
(Previous year 40,41,41,460 equity shares of
` 10 each)
Perpetual non-cumulative Preference Share capital
(161,70,00,000 Preference shares of ` 10/- each)
1,61,70,000
TOTAL
1,61,70,000
2,35,31,154
2,02,11,415
2,35,31,154
2,02,11,415
SCHEDULE 2 : RESERVES AND SURPLUS

I.
Statutory Reserves
Balance as per last Balance Sheet
Additions during the year
1,52,49,882
1,21,01,357
13,32,598
31,48,525
1,65,82,480
1,52,49,882
II. Capital Reserves

i)
Revaluation Reserve
Deductions during the year
1,92,84,291
1,96,20,223
3,14,722
3,35,932
1,89,69,569
1,92,84,291
ii) Investment Reserve

36,31,035
36,31,035
4,39,466
40,70,501
36,31,035
III. Share Premium

Additions/ Adjustments during the year
73,60,000
73,60,000
3,11,07,132
3,84,67,132
73,60,000
IV. Revenue and Other Reserves

i)
Revenue Reserves
Less: Deductions during the year
2,17,25,781
1,64,87,153
2,05,630
52,88,448
51,778
V. Special Reserve U/s 36(1)(viii) of Income Tax Act

V. Balance in Profit and Loss Account
TOTAL
176
49,820
2,18,79,633
2,17,25,781
10,00,000
10,00,000
14,789
14,789
10,09,84,104
6,82,65,778

(000s Omitted)
PARTICULARS
As at
31-Mar-12
`
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
i) From Banks
ii) From Others
II. Savings Bank Deposits
III. Term Deposits
i) From Banks
ii) From Others
TOTAL
B. i) Deposits of Branches in India
ii) Deposits of Branches outside India
SCHEDULE 4 : BORROWINGS
I. Borrowings in India
i) Reserve Bank of India
ii) Other Banks
iii) Other Institutions & Agencies
iv) Unsecured Redeemable Bonds (Subordinated
Debt)
v) Upper Tier II bonds
vi) Innovative Perpetual Debt Instrument
II. Borrowings outside India
TOTAL
Secured Borrowings included in I & II above
SCHEDULE 5 : OTHER LIABILITIES AND PROVISIONS
I. Bills Payable
II. Inter Office Adjustments (Net)
III. Interest Accrued
IV. Deferred Tax Liability
V. Others(including provisions)
TOTAL
SCHEDULE 6 : CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I. Cash in Hand (including foreign currency notes)
II. Balances with Reserve Bank of India
In Current Accounts
In Other Accounts
21,56,771
12,46,47,165
As at
31-Mar-11
`
35,79,786
15,07,33,764
12,68,03,936
52,59,46,590
3,28,34,428
1,27,61,48,314
15,43,13,550
47,64,49,389
2,68,55,783
1,13,59,41,431
1,30,89,82,742
1,96,17,33,268
1,96,17,33,268
_
1,16,27,97,214
1,79,35,60,153
1,79,35,60,153
_
25,00,700
25,604
3,74,14,716
2,63,73,000
64,770
5,80,90,269
2,13,73,000
2,88,50,000
58,30,000
2,88,50,000
58,30,000
10,09,94,020
2,82,01,941
12,91,95,961
Nil
11,42,08,039
1,46,71,755
12,88,79,794
Nil
88,78,315
1,30,58,828
45,50,200
5,60,65,562
8,25,52,905
34,40,230
92,86,641
14,63,000
5,22,09,422
6,63,99,293
1,66,76,309
92,57,589
11,34,65,463
10,00,000
13,05,62,327
1000000
11,44,65,463
13,11,41,772
TOTAL
177
13,15,62,327
14,08,19,916

(000s Omitted)
PARTICULARS
As at
31-Mar-12
`
As at
31-Mar-11
`
SCHEDULE 7 : BALANCES WITH BANKS AND

MONEY AT CALL & SHORT NOTICE
I.
In India
i)
Balances with Banks

a) In Current Accounts
64,81,831
78,32,950
37,229
a) With Banks
b) With Other Institutions
b) In Other Deposit Accounts

ii) Money at Call and Short Notice
65,19,060
78,32,950
II. Outside India

36,03,834
41,73,805
1,342
1,342
c) Money at Call & Short Notice

TOTAL
36,05,176
41,75,147
1,01,24,236
1,20,08,097
SCHEDULE 8 : INVESTMENTS
I.
Investments in India in : *
i)
Government Securities
ii) Other approved Securities

iii) Shares
iv) Debentures and Bonds
v) Subsidiaries and Sponsored Institutions
vi) Others (UTI Shares & Commercial Papers,
Mutual Fund Units etc.)
50,72,38,240
47,75,74,297
6,03,668
8,43,682
94,24,314
80,80,675
4,10,16,662
3,52,68,008
25,41,662
24,71,662
3,16,01,511
2,07,99,965
59,24,26,057
54,50,38,289
6,594
6,594
59,24,32,651
54,50,44,883
II. Investments outside India in **

Subsidiaries and / or Associates abroad
TOTAL
*
Investments in India
Gross Value
Less: Provision for Depreciation
59,57,65,455
54,84,64,246
33,39,398
34,25,957
Net Value
59,24,26,057
54,50,38,289
** Investments outside India

Gross Value
Less: Provision for Depreciation
Net Value
6,594
6,594
6,594
178
6,594

(000s Omitted)
PARTICULARS
As at
31-Mar-12
`
As at
31-Mar-11
`
SCHEDULE 9 : ADVANCES
A. i)
2,25,38,880
1,93,76,090
ii) Cash Credits, Overdrafts & Loans

repayable on demand
Bills Purchased and Discounted
49,06,09,919
37,94,16,161
iii) Term Loans
96,19,79,704
89,84,61,815
1,47,51,28,503
TOTAL
1,29,72,54,066
B. Particulars of Advances :
i)
Secured by Tangible Assets

(including advances against Book Debts)
ii) Covered by Bank / Government Guarantees

iii) Unsecured
1,03,33,47,079
95,40,87,520
7,88,38,452
9,49,38,235
36,29,42,972
24,82,28,311
1,47,51,28,503
TOTAL
1,29,72,54,066
C. Sectoral Classification of Advances

(I) Advances in India
i)
Priority Sectors
ii) Public Sector

iii) Banks
iv) Others
38,52,21,816
40,50,95,096
9,76,03,765
9,86,81,204
7,49,653
1,74,388
99,15,53,269
79,33,03,378
TOTAL
(II) Advances outside India
1,47,51,28,503
1,29,72,54,066
Nil
Nil
SCHEDULE 10 : FIXED ASSETS

I.
Premises
(At cost / revalued cost)
Balance as at 31st March of the preceding year
Total
Depreciation to date
2,38,58,143
2,38,30,114
1,15,269
28,029
2,39,73,412
2,38,58,143
40,43,752
37,01,847
1,99,29,660
TOTAL
2,01,56,296
II. Other Fixed Assets

(Including furniture and fixtures)
At cost as on 31st March of the preceding year
Additions / Adjustments during the year
Total
Deductions / Adjustments during the year
Total
1,17,34,975
95,09,577
21,55,582
23,27,349
1,38,90,557
1,18,36,926
1,55,962
1,01,951
1,37,34,595
1,17,34,975
89,25,165
76,37,409
TOTAL
TOTAL (I & II)
179
48,09,430
40,97,566
2,47,39,090
2,42,53,862

(000s Omitted)
PARTICULARS
As at
31-Mar-12
`
As at
31-Mar-11
`
SCHEDULE 11 : OTHER ASSETS

I.
Interest accrued
II. Tax paid in advance / Tax deducted at source

(Net of Provisions)
III. Stationery and Stamps
1,26,76,296
1,07,79,172
2,33,10,995
2,28,32,448
1,31,680
1,23,474
29,46,039
1,53,11,881
IV. Non-banking assets acquired in satisfaction

of claims
V. Inter Office Adjustments
2,53,66,130
VI. Others
6,44,31,140
2,91,45,470
7,81,92,445
6,44,31,140
7,81,92,445
(a) Claims against the Bank not acknowledged

as Debts
15,56,441
18,15,342
(b) Disputed income tax demands under appeals,

revisions, etc
1,42,45,860
60,16,360
578,649
41,64,74,984
28,80,54,433
TOTAL
SCHEDULE 12 : CONTINGENT LIABILITIES
I.
II. Liability for partly paid Investments

III. Liability on account of outstanding forward
exchange contracts
IV. Guarantees given on behalf of constituents
a) In India
b) Outside India
7,06,31,212
6,36,70,949
55,18,890
30,78,445
7,61,50,102
6,67,49,394
V. Acceptances, Endorsements and Other Obligations
8,50,62,529
6,17,96,895
VI. Other item for which the bank is contingently

liable
4,23,198
85,00,000
59,39,13,114
43,35,11,073
TOTAL
180
Schedules Forming Part of the Profit & Loss Account

for the Year Ended March 31, 2012
(000s omitted)
PARTICULARS
Year Ended
31-Mar-12
`
Year Ended
31-Mar-11
`
14,42,04,764
11,25,38,023
4,34,73,461
3,76,70,956
33,93,498
3,33,698
SCHEDULE 13 : INTEREST EARNED

I.
Interest / Discount on Advances / Bills
II.
Income on Investments
III.
Interest on balances with Reserve Bank of India and other Inter-Bank funds
IV.
Others
4,23,271
16,62,984
TOTAL
19,14,94,994
15,22,05,661
I.
Commission, Exchange and Brokerage
66,34,990
62,05,058
II.
Profit on Sale of Investments (Net)
32,00,628
31,19,229
III.
Profit / (Loss) on Revaluation of Investments
IV.
Profit / (Loss) on Sale of Land, Buildings and other Assets (Net)
(4,167)
(1,105)
V.
Profit on Exchange Transactions (Net)
18,68,242
5,60,926
VI.
Income earned by way of dividends etc. from Subsidiaries and Associates

abroad / in India
23,560
15,545
22,29,763
27,50,761
1,39,53,016
1,26,50,414
12,99,61,070
9,06,26,409
SCHEDULE 14 : OTHER INCOME
VII.
Miscellaneous Income
TOTAL
SCHEDULE 15 : INTEREST EXPENDED

I.
Interest on Deposits
II.
Interest on Reserve Bank of India / Inter-Bank borrowings
14,90,560
14,44,291
III.
Others
83,56,962
68,81,587
13,98,08,592
9,89,52,287
2,50,62,428
2,96,42,232
25,67,790
19,15,037
TOTAL
SCHEDULE 16 : OPERATING EXPENSES
I.
Payments to and Provisions for employees
II.
Rent, Taxes and Lighting
III.
Printing and Stationery
2,64,764
2,15,661
IV.
Advertisement and Publicity
3,52,177
9,69,396
V.
Depreciation on Banks property
14,35,363
11,86,898
VI.
Directors Fees, Allowances and Expenses
9,359
12,955
VII.
Auditors Fees and Expenses (including Branch Auditors)
2,05,152
2,25,414
VIII. Law Charges
1,15,701
1,49,382
IX.
Postages, Telegrams, Telephones etc.
3,94,471
3,53,313
X.
Repairs and Maintenance
8,33,115
6,48,609
XI.
Insurance
16,45,970
15,57,480
XII.
Other Expenditure
46,03,662
31,13,506
3,74,89,952
3,99,89,883
TOTAL
181
Schedule 17 - Principal Accounting Policies

1.
2.
3.
Accounting Conventions:
The financial statements have been prepared by following the going concern concept on the historical cost basis
except as modified by the Revaluation of Premises and conform, in all material aspects, to Generally Accepted
Accounting Principles (GAAP) in India, which encompasses applicable statutory provisions, regulatory norms
prescribed by Reserve Bank of India (RBI), Accounting Standards (AS) and pronouncements issued by The Institute of
Chartered Accountants of India (ICAI) and the prevailing practices within the Banking industry in India.
Transactions involving Foreign Exchange:
2.1 Monetary Assets and Liabilities in Foreign Currencies are translated at the Exchange Rates prevailing at the
year end as notified by FEDAl and the resultant Profit/ Loss is recognised in Profit and Loss Account.
2.2 Income and Expenditure items are translated at the exchange rates ruling on the respective date of transactions.
2.3 Guarantees, Letters of Credit, Acceptances, Endorsements, and other obligations in Foreign Currencies are
translated at the year end rates notified by FEDAl.
2.4 Outstanding Forward Contracts are translated at the year end rates notified by FEDAI and the resultant profit/
loss is recognized in Profit and Loss Account.
Investments:
3.1 In accordance with the guidelines issued by the Reserve Bank of India, Investments are classified into Held to
Maturity, Held for Trading and Available for Sale categories. However, for disclosure in the Balance Sheet,
investments are classified under the following heads :
i)
ii)
Other Approved Securities
iii) Shares
iv)
Debentures and Bonds
v)
Subsidiaries and sponsored institutions and
vi)
Others (UTI Shares, Commercial Papers and units of Mutual Funds.)
3.2 Basis of Classification :
Classification of an Investment is done at the time of purchase into the following categories:
i)
Held to Maturity
These comprise of investments, the bank intends to hold on till maturity.
ii)
Held for Trading
Securities which are principally held for resale within 90 days from the date of purchase.
iii) Available for Sale
Investments that cannot be classified in the above categories.
3.3 Transfer of Securities between categories :
The transfer/ shifting of securities between the three categories of investments is accounted at the lower of
acquisition cost/ book value or market value on the date of the transfer. The depreciation, if any, on such
transfer is fully provided for.
3.4 Valuation :
a)
Held to Maturity :
The investments classified under this category are valued at acquisition cost. The excess of acquisition cost
/ book value over the face value is amortised over the remaining period of maturity.
b)
Available for sale :
Investments under this category are marked to market, scrip-wise, at quarterly intervals as under:
i)
Central Government Securities
At market price as per quotation put out by Stock Exchange /

FIMMDA / PDAI.
ii)
State Government Securities, On appropriate yield to maturity basis.

Securities Guaranteed by Central
/ State Government, PSU Bonds
iii)
Treasury Bills/ Certificates of At carrying cost.

Deposits/ Commercial Paper
iv)
Equity Share
a) Quoted
182
: At market price.
v)
Preference Share
b) Unquoted : At book value per share, if latest (Not more

than one year old) Balance Sheet is available,
or Re.1.00 per company if latest Balance Sheet
is not available.
a) Quoted
: At market price.
vi)
b) Unquoted : On appropriate yield to maturity.

a) Quoted
: At market price.
vii)
Mutual Fund
b) Unquoted : On appropriate yield to maturity.

a) Quoted
: At market price.
b) Unquoted : At repurchase price or Net Asset Value (where

repurchase price is not available).
viii) Venture Capital
Declared NAV or break up NAV as per audited balance sheet
which is not more than 18 months old. If NAV/ audited financials
are not available for more than 18 months continuously then
at Re.1/- per VCF.
The net depreciation under each classification is provided for, without adjusting the book value of the
securities and net appreciation, if any, is ignored.
c)
Held for Trading :

Investments under this category are valued at monthly intervals at market rates, wherever available, or
as per the prices declared by FIMMDA. The net depreciation under each classification is provided for,
without adjusting the book value of the securities and net appreciation, if any, is ignored.
3.5
Determination of Cost :
3.6
Income Recognition :
Cost of investments is determined on the basis of Weighted Average Cost method.
4.
i)
The Profit or loss on sale/ redemption of investments is taken to the Profit and Loss Account. However, in
case of profit on sale/ redemption of investments from Held to Maturity category, an equivalent amount
is appropriated to the Capital Reserve.
ii)
In respect of securities included in any of the three categories of investments where interest/ principal is
in arrears, for more than 90 days, income is not reckoned and appropriate provision for the depreciation
in the value of the investments is made, as per prudential norms applicable to non-performing advances.
Debentures/ Bonds in the nature of advances are subjected to usual prudential norms applicable to
advances.
iii)
State Government guaranteed exposures is classified as Sub Standard/ Doubtful/ Loss, as the case may be
if interest and/ or principal or any other amount due to the Bank remains overdue for more than 90 days
and necessary provisions are made as per Prudential Norms.
iv)
Brokerage, incentive, front-end fees etc., received on purchase of securities are reduced from the cost of
investments.
v)
Expenses such as brokerage, fees, commission or taxes incurred at the time of acquisition of securities is
charged to revenue.
vi)
The broken period interest on sale or purchase of securities is treated as revenue item.
Derivatives
Derivatives used for hedging are accounted as under :
5.
i)
Marked to market in cases where the underlying Assets/ Liabilities are marked to market. The resultant gain/
loss is recognised in the Profit & Loss Account.
ii)
Interest Rate Swaps which hedges interest bearing assets or liabilities are accounted for on accrual basis in cases
where underlying Asset/ Liabilities are not marked to market.
iii)
Gain or losses on the termination of Swaps are recognised over the shorter of the remaining contractual life of
the Swap or the remaining life of the assets/ liabilities.
Advances:
5.1
Advances are classified as Standard, Sub-Standard, Doubtful or Loss Assets and Provisions required in respect
thereof are made as per the Prudential Norms prescribed by the Reserve Bank of India.
183
5.2
6.
7.
8.
9.
Recoveries against Non-performing Assets (NPA) are first appropriated towards interest. However, recovery in
suit filed, decreed accounts and compromise cases, is first appropriated towards principal or as per the terms of
decree/ settlement.
5.3 Advances are shown net of provisions (in case of NPA), Unrealised Interest and amount recovered from
borrowers held in Sundries and amount recovered from CGTSI/ ECGC.
Provision for Standard Assets is included in Other Liabilities and Provisions- Others.
5.4 Financial Assets sold are recognized as under:
In case the sale is at a price lower than the Net Book Value (NBV) the shortfall is charged to the Profit and Loss
Account.
In case the sale is at a price higher than the NBV, the surplus provision is retained to meet shortfall/loss on
account of sale of other non-performing financial assets.
Fixed Assets/Depreciation:
6.1 Fixed Assets (other than computers which are depreciated on Straight Line Method) are depreciated under
Written Down Value Method at the following rates:
i)
Premises
At varying rates based on estimated life
ii)
Furniture, Lifts, Safe Vaults
10%
iii) Vehicles
20%
iv)
Air conditioners, Coolers, Typewriters etc.
15%
v)
Computers including Systems Software
33.33%
(Application Software is charged to the Revenue during the year of acquisition.)
6.2 In the case of assets, which have been revalued, the depreciation is provided on the revalued amount and the
incremental depreciation attributable to the revalued amount is adjusted to the Revaluation Reserve.
6.3 Depreciation on additions to assets, made upto 30th September is provided for the full year and on additions
made thereafter, is provided for the half year. No depreciation is provided on assets sold before 30th September
and depreciation is provided for the half year for assets sold after 30th September.
6.4 Cost of leasehold land is amortised over the period of lease. In the case of revaluation, the difference between
the original cost and revalued amount is amortised over the remaining period of the lease and is adjusted to
the Revaluation Reserve.
6.5 Where it is not possible to segregate the cost of Land and Premises, Depreciation is charged on the composite
cost.
Staff Benefits:
7.1 Annual contribution to Gratuity and Pension Funds are determined on the basis of actuarial valuation. The
contribution to Pension Fund is made under a defined benefit scheme.
7.2 The liability for earned leave is provided for on the basis of actuarial valuation.
7.3 In respect of employees who have opted for Provident Fund Scheme, a matching contribution is made.
7.4 The Bank recognizes in its Books of Accounts the liability arising out of Employee Benefits as the sum of the
present value of obligations as reduced by fair value of Plan Assets on the Balance Sheet.
Recognition of Income and Expenditure:
8.1 Income/ Expenditure is generally accounted for on accrual basis unless otherwise stated.
8.2 Income on NPA is recognized on realization as per the Prudential Norms prescribed by the Reserve Bank of
India.
8.3 In accordance with the guidelines issued by the Reserve Bank of India vide circular No. DBOD.No.BP.
BC.89/21.4.018/2002-03 dated 29.03.2003, prior period disclosures are made in respect of any item which
exceeds one percent of the total income/total expenditure.
8.4 Provision for interest payable on overdue deposits is made as per Reserve Bank of India guidelines.
8.5 Commission (excluding on Government Business), exchange, locker rent and insurance claims are accounted for
on realization/settlement.
8.6 Expenses for Share Issue are amortized over a period of 5 years on quarterly basis.
Income Tax:
The provision for tax for the year comprises of current tax liability computed in accordance with the applicable tax
laws and the deferred tax which recognizes, timing differences between taxable income and accounting income
that originate in one period and capable of reversal in one or more subsequent periods. Deferred tax assets are not
recognized unless there is virtual certainty that sufficient future taxable income will be available against which such
deferred tax assets will be realized.
184
Schedule 18 - Notes Forming Part of the Accounts

1.
Capital:
The Authorized Capital of the Bank is `3000 crore.
The paid-up Capital of the Bank is `2353.11 crore increased from `2021.14 crore by issue of equity shares by way of
Rights issue to the tune of `242.46 crores to the existing share holders at a premium of `93/- per share, which was
allotted to the share holders in April 2011. Further, the Bank raised equity by way of Preferential Issue of Equity
Shares to Government of India and Life Insurance Corporation of India on March 31, 2012 to the tune of `89.51 crore
at a premium of `95.61 per share.
2.
Balancing of Books / Reconciliation:

The reconciliation of the following items is in progress :
- Inter Branch/Office Balance
- Accounts for Govt. transactions (Central & State)
- Inter Bank Accounts
- System Suspense Account
- Suspense Account
- Clearing & other Adjustment Accounts
- Balances related to ATM
- Certain balances in nominal account
The management is of the opinion that the overall impact, if any, on the accounts will not be significant.
3.
4.
Income Tax / Deferred Tax:

3.1
Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and
judicial decisions on disputed issues, net of reversal of excess provision of earlier years `112.38 crore (Refer Note
8(b)).
3.2
Other Assets [Schedule 11 (ii)] includes `1424.58 crore (previous year `601.64 crore) towards disputed Income
Tax paid by the Bank or adjusted by the Income Tax department. Provision for disputed amount of taxation is
not considered necessary by the Bank in respect of above disputed demands based on various judicial decisions/
counsels opinion on such disputed issues.
3.3
Out of `1424.58 crore of tax paid under dispute, disputes relating to various Assessment Years, involving tax
element of `4.82 crore have been decided by the Appellate authorities in favour of the Bank. The appeal effect
for the same is pending.
Share Issue Expenses:

Unamortized amount of `1.31 crore (Previous Year `6.72 crore) towards share issue expenses are included in Other
Assets.
5.
6.
Premises:
5.1
The premises of the Bank were revalued during financial year 2007-08 to reflect the market value as at March
31, 2008. The appreciation amounting to `1565.97 crore is included in Revaluation Reserve Account.
5.2
Premises owned by the Bank include properties costing `9.95 crore (Previous Year `12.21 crore) revalued at
`122.31 crore (Previous Year `198.46 crore) for which registration formalities are still in progress.
Advances / Provisions:
6.1
Advances to units which have become sick including those under nursing / rehabilitation / restructuring
programme and other advances classified as doubtful / loss assets have been considered secured / recoverable
to the extent of estimated realizable value of securities carrying first or second charge based on valuers
assessment of properties/ assets mortgaged to the Bank and other data available with the Bank.
6.2
In the current year, in accordance with the guidelines issued by Reserve Bank of India, the Bank has netted the
Floating Provision amounting to `312.42 crore (previous year `312.42 crore) from Gross NPAs to arrive at Net
NPAs.
6.3
Advances considered good and secured includes investment of `3000 crore (Previous Year `2000 crore) in IBPCs
(Inter Bank Participation Certificate) governed by the Uniform Code Governing Inter Bank Participations issued
by IBA (Non Priority Sector) and investment in IBPCs issued by RRBs aggregating `2080 crore (Previous Year
`1440 crore) of Priority Sector Advance / Direct Agriculture.
185
7.
Subordinated Debt:
During the year, Bank has raised `500 crore by issue of Unsecured Redeemable Bonds under Tier II Capital (Subordinate
Debt) taking the balance to `2637.30 crore (Previous Year `2137.30 crore) and Upper Tier II Bonds stands at `2885.00
crore (Previous Year `2885.00 crore)
8.
The following information is disclosed in terms of guidelines issued by Reserve Bank of India :
a.
CAPITAL ADEQUACY RATIO :

Sl.No
1.
2.
3.
4.
Items
31.03.2012 31.03.2011
CRAR (%)
Basel-I
Basel-II
11.96
12.40
10.74
11.64
CRAR-Tier-I Capital (%)

Basel-I
Basel-II
7.50
7.79
5.81
6.31
CRAR-Tier-II Capital (%)

Basel-I
Basel-II
4.46
4.61
4.93
5.33
79.15%
80.20%
Percentage of Equity share holding

of Govt. of India.
5.
Amount of Upper Tier-II instruments Raised during the year (` in crore)
500
1300
6.
Amount of Innovative Perpetual Debt Instruments

(IPDI) raised as Tier-I capital during the year
NIL
NIL
NIL
NIL
7.
Issue of Equity shares through QIP route

Share Capital
Share Premium
(` in crore)
(` in crore)
The above data has been compiled on the basis of guidelines of Reserve Bank of India and estimates in respect
of certain Off Balance Sheet items, made by the management and relied upon by the Auditors. In respect of
Basel II, the system deficiencies / data errors noticed / reported were addressed at Central Office. Based on
the extensive exercise undertaken, Bank is of the view that, unrectified deficiencies, if any, will not have a
significant impact on the overall reported Capital Adequacy.
b.
Provisions and Contingencies:

The break up of Provisions and Contingencies appearing in the Profit and Loss Account is as under:
(` in crore)
2011-12
a.
Provision for Standard Advances
b.
Provision for NPA
c.
d.
e.
2010-11
53.59
106.14
1374.99
631.79
Provision / Depreciation on investments (including matured investments)
149.33
154.35
Provision for Taxes/Deferred Tax (net of reversal of excess provision of

earlier years `112.38 crore)
113.30
406.76
Others
590.70
39.94
TOTAL
2281.91
1338.98
186
c.
(i)
( ` in crore)
Investments
Items
1)
2)
(ii)
Value of Investments
i)
Gross Value of Investments
a)
In India
b)
Outside India
ii)
Provisions for Depreciation
a)
In India
b)
Outside India
iii)
Net Value of Investments
a)
In India
b)
Outside India
Movement of Provisions held towards depreciation on Investments.
i)
Opening Balance
ii)
Add: Provisions made during the year
iii)
Less: Write off Prov./ Write Back Provision
iv)
Closing Balance
31.3.2012
31.3.2011
59577.21
59576.55
0.66
333.94
333.94
0.00
59243.27
59242.61
0.66
58287.08
58286.42
0.66
342.60
342.60
0.00
57944.48
57943.82
0.66
342.60
0.00
8.66
333.94
1445.43
-1102.83
0.00
342.60
Repo Transactions
(` in crore)
Particulars
Securities sold under Repo
Securities purchased under Reverse Repo
Minimum
outstanding
during the
year
0.00
0.00
Maximum
Daily Average
outstanding
outstanding
during the
during the
year
year
5500.00
616.12
8000.00
269.67
Out
standing as
on March
31, 2012
5500.00
1700.00
(iii) Non SLR Investment Portfolio

( ` in crore)
Issuer wise composition of Non SLR Investments

No.
Issuer
(1)
i)
ii)
iii)
iv)
v)
vi)
(2)
PSUs
FIs
Banks
Private Corporates
Subsidiaries / Joint Ventures
Others
RIDF / RHDF / SIDBI
CP / CD / IBPC / SR
Mutual Funds
Venture Capital
Shares (incl. Trustee Shares)
TOTAL
Less: Provision held towards
depreciation
Net
Amount
Extent of
Private
Placement
(3)
363.91
546.39
452.93
2805.09
254.17
4176.84
1855.22
1180.97
27.75
93.21
1019.69
8599.33
117.86
(4)
220.88
342.06
235.43
2544.30
254.17
3120.50
1855.22
888.10
0.00
93.21
283.97
6717.34
8481.47
6717.34
Extent of Below Extent of Extent of

Investment
Unrated Unlisted
Securities Securities
Grade
Securities
(5)
(6)
(7)
0.00
0.00
2.88
0.00
0.00
78.96
0.00
0.00
0.00
25.00
4.80
75.99
0.00
254.17
254.17
0.00
3184.30
3449.25
0.00
1855.22
1855.22
0.00
286.69
1180.97
0.00
27.75
27.75
0.00
93.21
93.21
0.00
921.43
292.10
25.00
3443.27
3861.25
Amounts reported under Columns 4, 5, 6 and 7 are not mutually exclusive.
187
25.00
3443.27
3861.25
(iv) Non Performing Non-SLR Investments

(including matured investments)
(` in crore)
Particulars
31.3.2012
Opening Balance
29.31
28.06
0.37
3.18
Reductions during the year
13.91
1.93
Closing balance
15.77
29.31
Total provisions held
15.77
24.45
d.
31.3.2011
Derivatives
(i)
Forward Rate Agreement / Interest Rate Swap

Items
31.3.2012
i)
The Notional Principal of Swap agreements
ii)
Losses which would be incurred if counter parties failed to fulfill their

obligations under the agreements.
850.00
Nil
Nil
-- Foreign Bank
933.60
737.50
-- Domestic Bank
112.50
112.50
(-) 47.45
(-) 53.60
Collateral required by the bank upon entering into swaps
iv)
Concentration of credit risk arising from the swaps
(ii)
31.3.2011
1046.10
iii)
v)
(` in crore)
The fair value of the swap book

Exchange Traded Interest Rate Derivatives:
Sr.
No.
(` in crore)
Particulars
Amount
i)
Notional principal amount of exchange traded interest rate derivatives undertaken

during the year (instrument-wise)
NIL
ii)
Notional principal amount of exchange traded interest rate derivatives outstanding as

on March 31, 2012 (instrument-wise)
NIL
iii)
Notional principal amount of exchange traded interest rate derivatives outstanding

and not highly effective (instrument-wise)
NA
iv)
Mark-to market value of exchange traded interest rate derivatives outstanding and not
highly effective (instrument-wise)
NA
Disclosures on Risk Exposure in Derivatives

iii)
Qualitative Disclosures
Risk Management Policy approved by the Board of Directors for the use of derivative instruments to
hedge/trade is in place.
The investment portfolio of the Bank consists of assets with characteristics of fixed interest rate, zero
coupon and floating interest rates and is subject to interest rate risk. The Bank has also Tier II bonds
hedged for coupon swaps. The policy permits hedging the interest rate risk on this liability as well.
188
Policy for Forward Rate Agreement, Interest Rate Swaps, currency futures and Interest Rate Futures for
hedging the interest rate risk in the investment portfolio and also for market making is in place.
The risk management policies and major control limits like stop loss limits, counter party exposure limits
etc approved by the Board of Directors are in place. The risks are monitored and reviewed regularly. MIS
reports are submitted periodically to Risk Management Committee.
Hedge Positions
iv)
Accrual on account of interest expenses/income on the IRS are accounted and recognized as income/
expense.
If the swap is terminated before maturity, the Mark to Market (MTM loss/gain and accrual till such
date are accounted as expense/income under Interest paid/received on IRS.
Trading positions
Currency future and Interest Rate Future are marked to market on daily basis as per exchange
guidelines of MCX-SX, NSE and United Stock Exchange.
MTM profit/loss are accounted by credit/debit to the margin account on daily basis and the same is
accounted in banks profit & loss account on final settlement.
Trading swaps are marked to market at frequent intervals. Any MTM losses are booked and gains if
any are ignored.
Gains or losses on termination of swaps are recorded as immediate income/expense under the
above head.
Quantitative Disclosures
Sr.
No.
i)
ii)
(` in crore)
Particulars
Interest rate
derivatives
Derivatives (Notional Principal Amount)

a)
For hedging
NIL
821.10
b)
For trading
NIL
225.00
Marked to Market Positions (1)

a)
Asset (+)
b)
Liability (-)
47.45
57.67
iii)
Credit Exposure (2)
iv)
Likely impact of one percentage change in interest rate (100*PV01)
v)
Currency
Derivatives
a)
On hedging derivatives
0.23
b)
On trading derivatives
0.08
Maximum and Minimum of 100*PV01 observed during the year

a)
On hedging
0.28/ 0.20
b)
On trading
0.09/ 0.03
189
e.
Asset Quality
(i)
( ` in crore)
Non Performing Assets

Items
i)
Net NPAs to Net Advances (%)
ii)
Movement of NPAs (Gross)
iii)
iv)
31.3.2012
31.3.2011
3.09%
0.65%
a)
Opening balance
2394
2458
b)
6849
1409
c)
Reduction during the year
1970
1473
d)
Closing balance
7273
2394
847
727
Movement of Net NPAs

a)
Opening balance
b)
4879
183
c)
Reduction during the year
1169
63
d)
Closing balance
4557
847
1211
Movement of Provisions for Net NPAs (excluding provisions on Standard

Assets)
a)
Opening balance
1085
b)
Provisions made during the year
1379
1142
c)
Write off/ write back / Transfer
244
1268
d)
Closing balance
2220
1085
* excluding floating provision of `312.43 crore (previous year 312.43 crore)

(ii)
Particulars of Accounts Restructured:
Standard
Advances
Restructured
CDR
Mechanism
SME Debt
Restructuring
Others
315
3210
1499.26
62.92
10062.24
300.63
2.97
63.00
No. of Borrowers
13
592.00
Amt. Outstanding
--
1.98
1030.10
Sacrifice
--
0.10
0.27
No. of Borrowers
38
151.27
0.02
0.34
--
--
0.02
10
330
3840
1650.53
64.92
11092.68
300.63
3.07
63.29
No. of Borrowers
Amt. Outstanding
Sacrifice
Sub Standard
Advances
Restructured
Doubtful
Advances
Restructured
Amt. Outstanding
Sacrifice
No. of Borrowers
TOTAL
(` in Crore)
Amt. Outstanding
Sacrifice
The amount of Sacrifice for accounts with balance of Less than `1.00 crore is taken at 5% of the outstanding
amount.
190
(b)
During the year, 330 accounts under SME were subjected to Restructuring and the balance outstanding as on
March 31, 2012 was `64.92 crore (Previous Year 219 accounts - Amount `27.45 crore).
(iii) Details of financial assets sold to Securitization / Reconstruction Company for Asset
Reconstruction
(` in Crore)
Items
31.3.2012
31.3.2011
i)
No. of accounts
54215
ii)
Aggregate value (net of provisions) of accounts sold to SC/ RC
62.03
131.49
iii)
Aggregate consideration
74.80
295.40
iv)
Additional consideration realized in respect of accounts transferred

in earlier years.
NIL
Nil
v)
Aggregate gain / loss over net book value
12.77
163.90
(iv) Details of Non Performing Financial Assets purchased/ sold

a.
Details of Non Performing Financial Assets purchased

Particulars
1
2
b.
31.3.2012
31.3.2011
No. of accounts purchased during the year
Nil
Nil
Aggregate outstanding
Nil
Nil
Of these, number of accounts restructured during the

year
Nil
Nil
Nil
Nil
Details of Non Performing Financial Assets sold

Items
(v)
(` in Crore)
(` in Crore)
31.3.2012
31.3.2011
54215
No. of accounts
70.90
525.59
Aggregate consideration received
74.80
295.40
Provision on Standard Assets
(` in Crore)
Items
31.3.2012
31.3.2011
574.59
521.00
2011-12
2010-11
Provisions towards Standard Assets held

f.
Business Ratios
Items
(i)
Interest Income as a percentage to Working Funds *
9.22
8.49
(ii)
Non-interest income as a percentage to Working Funds*
0.67
0.71
(iii)
Operating Profit as a percentage to Working Funds *
1.36
1.45
(iv)
Return on Assets **
0.26
0.70
861.56
835.17
1.51
3.96
(v)
Business (Deposits plus advances) per employee*** (` in lacs)
(vi)
Profit per employee (` in lacs)
Working Funds comprise average of Total Assets (excluding Revaluation Reserve) during the 12 months
of the Financial Year.
**
Working Funds comprise average Total Assets (excluding Revaluation Reserve)
*** Based on fortnightly average of Deposits (other than Inter Bank Deposits) plus Advances.
191
g.
Asset Liability Management

Maturity pattern of Total Domestic Deposits, Domestic Borrowings, Domestic Advances & Total Investments
under various maturity buckets prescribed by Reserve Bank of India as of March 31, 2012
(` in crore)
Day 1
Total Domestic
Deposit
Total Domestic
Advances
Total
Investment
2 to 7
Days
8 to 14
days
15 to 28
days
401.39 3600.46
2871.74
3667.46
31648.18
24133.02
46021.45
37196.80
23121.20
22699.48 195361.18
849.16
1697.20
2089.01
10953.67
6026.25
11340.69
73463.61
18399.57
21953.32 148607.66
12.48 2528.82
189.19
251.65
1216.77
1506.54
1092.12
10208.04
8995.10
33242.55
59243.26
1835.17
29 days Over 3 & Over 6 & Over 1 & Over 3 &

To 3 Up to 6 Up to 12 Up to 3 Up to 5
months months months
years
years
Over 5
years
TOTAL
Total Domestic
Borrowing*
2.64
0.00
0.00
0.00
315.16
249.24
1093.27
1990.85
342.80
0.15
3994.11
Foreign
Currency Assets
497.96
0.00
0.00
62.83
551.72
1539.38
8.50
17.75
2.90
0.00
2681.04
Foreign
Currency
Liabilities
179.83
10.89
9.61
15.01
109.26
97.78
235.07
136.83
17.87
0.00
812.15
Note : - * Excluding those considered under Tier II Capital.

The above data has been compiled on the basis of the guidelines of RBI and certain assumptions made by the
Management has been relied upon by the Auditors.
h.
Lending to Sensitive Sector

(i)
Exposure to Real Estate Sector

(` in crore)
Category
a)
31.3.2012
31.3.2011
Direct Exposure
(i)
(ii)
Residential Mortgages Lending fully secured by mortgages on residential property that is or

will be occupied by the borrower or that is rented:
6281.61
8128.23
(individual housing loans eligible for inclusion in priority sector

advances included above)
(5237.36)
(7361.57)
7940.94
8384.81
Residential,
2.29
3.43
Commercial Real Estate.
0.00
0.00
4381.02
667.32
174.46
167.20
18780.32
17350.99
Commercial Real Estate -
(iii) Investments in Mortgage Backed Securities

(MBS) and other securitized exposures -
b)
Indirect Exposure
(i)
(ii)
Fund based and non-fund based exposures on National Housing

Bank (NHB) and Housing Finance Companies (HFCs).
Others
TOTAL
192
(ii)
Exposure to Capital Market

(` in crore)
Items
31.3.2012
31.3.2011
i)
Direct Investment in equity shares, convertible debentures and units of

equity-oriented mutual funds the corpus of which is not exclusively invested
in corporate debt
882.00
773.65
ii)
Advances against shares/ bonds/ debentures or other securities or on

clean basis to individuals for investment in shares (including IPOs/ ESOPs),
convertible bonds, convertible debentures and units of equities-oriented
mutual funds
6.18
6.87
iii)
Advances for any other purposes where shares or convertible bonds or

convertible debentures or units of equities-oriented mutual funds are taken
as primary security.
(iv)
Advances for other purposes to the extent secured by the collateral securities
of shares or convertible bonds or convertible debentures or units of equityoriented mutual funds i,e, where the primary security other than shares/
convertible bonds/ convertible debentures/ units of equity-oriented mutual
funds does not fully cover the advances.
1016.44
1286.98
(v)
Secured and unsecured advances to stockbrokers and guarantees issued on

behalf of stockbrokers and market makers.
133.38
119.00
vi)
Loans sanctioned to corporates against the securities of shares/ bonds/

debentures or other securities or on clean basis for meeting promoters
contributions to the equity of new companies in anticipation of raising
resources.
0.00
0.00
Bridge Loans to the companies against the expected equity flows/ issues.
0.00
0.00
viii) Underwriting commitments taken up by the banks in respect of primary

issue of shares or convertible bonds or convertible debentures or units of
equity-oriented mutual funds
0.00
0.00
ix)
Financing to stock brokers for margin trading
0.00
0.00
x)
All exposures to Venture Capital funds (both registered and unregistered)

will be deemed to be on par with equity and hence will be reckoned for
compliance with the capital market exposure ceiling (both direct and
indirect).
128.52
121.41
vii)
Total Exposure to Capital Market
2166.52
(iii) Risk Category-wise Country Exposure :

Risk Category
2307.91
(` in crore)
Exposure (net) as at
March 31, 2012
Provision held as
at March 31, 2012
Exposure (net) as
at March 31, 2011
Provision held as
at March 31, 2011
Insignificant
962.01
Nil
1541.24
Nil
Low
518.59
Nil
479.61
Nil
Moderate
130.84
Nil
250.12
Nil
6.96
Nil
6.93
Nil
55.57
Nil
38.36
Nil
High
Very High
Restricted
0.19
Nil
0.31
Nil
Off-credit
0.00
Nil
0.00
Nil
Total
1674.16
2316.57
As the Banks Net funded exposure for the year in respect of Foreign Exchange Transaction is less than 1% of
total assets of the Bank, no provision is considered necessary.
193
(iv) Details of Credit Exposure where the Bank has exceeded Prudential Exposure Norms during the
year for which necessary Board approval has been obtained.
(` in Crore)
Sr.
No
Name of
Borrower
Credit Exposure
As on 31.3.2012
FB
(v)
Outstanding as
on 31.03.2012
NFB
FB
InvestTotal Expoment as on sure as on

31.03.12
31.03.12
Permissible
@ 15%
of banks
capital
funds
NFB
1.
IFCI Ltd.
1950.00
1925.12
216.79
2141.91
2036.62
2.
HDFC Ltd.
2012.22
2012.22
32.04
2044.26
2036.62
Statement of Loans and Advances secured by Intangible Assets viz., Rights, Licenses, Authorizations
etc. which is shown as unsecured in Schedule-9.
Advances amounting to ` 291.52 crore (previous year `231.22 crore) for which charge over intangible security
such as Rights, Licences, Authorisation etc. has been considered as unsecured.
(vi) Balance outstanding under credit exposure to telecom companies as at the year-end amounts to `2038.15
crore and in the opinion of the management the same are considered good for recovery. There are no credit
exposures towards acquisition of 2G Licences. In addition, investment in the form of Shares, Bonds, Debentures
etc. of the bank in telecom companies aggregates `1355.51 crore as at the year-end.
(vii) Amount of Provisions made for Income-Tax during the year :
(` in crore)
Particulars
Provision for Income Tax/Deferred Tax (Net of reversal of excess provision
of ` 112.38 crore)
2011-12
2010-11
113.30
406.75
The Provisioning Coverage Ratio (PCR) of the Bank is 40.62%.

9.
Disclosure of Penalties imposed by RBI

RBI has not imposed any penalty on the Bank under Section 46(4) of the Banking Regulation Act, 1949.
10.
Disclosure regarding concentration of Deposits, Advances, Exposures and NPAs:

10.1 Concentration of Deposits
(` in Crore)
(a) Total Deposits of twenty largest depositors
(b) Percentage of Deposits of twenty largest depositors to Total Deposits of the bank
21569.23
10.96
10.2 Concentration of Advances

(a) Total Advances to twenty largest borrowers
(b) Percentage of Advances to twenty largest borrowers to Total Advances of the bank
31551.92
20.85
10.3 Concentration of Exposures

(a) Total Exposure to twenty largest borrowers/customers
(b) Percentage of Exposures to twenty largest borrowers/customers to Total Exposure
of the bank on borrowers/customers
33804.89
16.11
10.4 Concentration of NPAs

(a) Total Exposure to top four NPA accounts
194
1457.78
II:
Sector-wise NPAs
Sl.
No.
III.
Sector
Percentage of NPAs to Total

Advances in that sector
Agriculture & allied activities
5.59
Industry (Micro & small, Medium and Large)
8.86
Services
13.97
Personal Loans
8.30
Movement of NPAs
(` in crore)
Particulars
31.03.2012
31.03.2011
Opening Balance of Gross NPA
2394
2458
6849
1409
Sub Total (A)
9243
3867
Less:(i)
Upgradation
587
163
(ii) Recovery
754
736
(iii) Write-off
226
554
(iv) Difference in URI
403
Gross NPA
IV.
20
1473
2394
Overseas Assets, NPAs and Revenue

Amount ( in ` Crore)
Particulars
V.
1970
7273
Total Assets
NIL
Total NPAs
NIL
Total Revenue
NIL
Off-Balance Sheet SPVs sponsored (which are required to be consolidated as per accounting norms)
Name of the SPV sponsored
Domestic
NIL
11
Overseas
NIL
Other Disclosures
11 a Fees/ remunerations received in respect of the Bancassurance Business during the current year is as under :
(` in crore)
2011-12
No. of policies
No. of policies
Amount
Life
127540
13.53
74422
10.59
Non Life
164181
6.30
128527
5.14
Total
12.
2010-11
Amount
19.83
15.73
The following information is disclosed in terms of Accounting Standards issued by The Institute of Chartered
Accountants of India:
a)
Accounting Standard - 9
Certain items of income are recognized on realization basis as per principal accounting policy No. 8. However,
the said income is not considered to be material.
195
b)
Accounting Standard - 15 (Revised)

In previous year, 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 `1181.53 crore as on 1st April, 2011, the Bank has amortized
`239.98 crore for Pension and `55.40 crore for Gratuity being proportionate amount during the year ended
March 31, 2012. The balance amount to be amortized in future periods for Pension is `719.95 crore and for
Gratuity is `166.20 crore. Had such an accounting treatment not been approved by the RBI, the profit of the
bank would have been lower by `886.15 crore pursuant to application of the requirements of AS-15.
Employee Benefits:
Reconciliation of opening and closing balance of the present value of the defined benefit obligation for
pension and gratuity benefits as per actuarial valuations is given below:
(` in crore)
Particulars
Year ended
March 31, 2012
Pension
Year ended
March 31, 2011
Gratuity
Pension
Gratuity
Defined benefit obligation liability at March 31, 2012

Opening obligations
5997.12
1047.34
2856.49
751.89
Service cost
125.72
39.70
70.54
40.78
Interest cost
498.13
83.24
222.98
58.39
Actuarial [gain]/loss
441.59
(63.58)
335.48
44.95
(525.00)
(215.48)
(279.44)
(125.67)
Past Service Cost (Amortised/ Non Vested)
1199.91
277.00
Past Service Cost (Vested Benefit)
569.62
--
Liability Transferred in
1021.54
--
6537.56
891.22
5997.12
1047.34
Benefits paid
Obligations at March 31,2012
(` in Crore)
Particulars
Year ended
March 31, 2012
Pension
Year ended
March 31, 2011
Gratuity
Pension
Gratuity
Plan assets at March 31, 2012, at fair value

Opening Plans assets, at fair value
4228.00
832.89
2269.03
808.40
413.53
72.41
257.54
65.25
29.25
(14.29)
(130.67)
14.91
Contributions
1203.61
180.00
1090.00
70.00
Benefits paid
(525.00)
(215.48)
(279.44)
(125.67)
1021.54
--
5349.39
855.53
4228.00
832.89
Expected return on plan assets

Actuarial gain/[loss]
Transfer from Other Trust

196
(` in Crore)
Particulars
Year ended
March 31, 2012
Pension
Year ended
March 31, 2011
Gratuity
Pension
Gratuity
Cost for the year ended March 31, 2012

Service cost
125.72
39.70
70.54
40.78
Interest cost
498.13
83.24
222.98
58.39
(413.53)
(72.41)
(257.54)
(65.25)
240.00
55.40
239.98
55.40
569.62
--
412.34
(49.29)
466.15
30.04
Net cost
862.66
56.64
1311.73
119.36

Assumptions
Particulars
Year ended
March 31, 2012
Pension
Gratuity
Year ended
March 31, 2011
Pension
Gratuity
Interest rate
8%
8%
8%
8%
Salary escalation rate
4%
4%
4%
4%
Estimated rate of return on plan assets
8%
8%
8%
8%
b)
Accounting Standard 17 - Segment Reporting
i)
As per the revised guidelines of Reserve Bank of India, the Bank has recognised Treasury Operations, Corporate/
Wholesale Banking, Retail Banking and other Banking business as primary reporting segments. There are no
secondary reporting segments.
197
SEGMENT REPORT FOR THE YEAR ENDED MARCH 31, 2012

(` in Lacs)
Sl.
No.
a.
Particulars
Year ended 31.03.11

(Audited)
Segment Revenue
1.
Treasury Operations
496407
264456
2.
Retail Banking Operations
465064
538922
3.
Wholesale Banking Operations
1088778
828553
4.
Other Banking Operations
5.
Unallocated
Total
b.
Year ended 31.03.12

(Audited)
4233
16630
2054482
1648561
265687
160895
Segment Results
1.
Treasury Operations
2.
3463
32164
3.
8108
49450
4.
277258
242509
Total
c.
Unallocated Income/ (Expenses )
4233
16630
d.
Operating Profit
281491
259139
e.
Provisions & Contingencies
216857
93222
f.
Income Tax
11330
40676
g.
Net Profit
53304
125241
h.
Other Information
i.
Segment Assets
2674274
2534145
1.
Treasury Operations
2.
3.
4.
5.
Unallocated Assets
Total
j.
5764848
5239956
14307743
12973308
233110
228323
22979975
20975732
Segment Liabilities
1.
Treasury Operations
7373961
3305900
2.
4101742
4766574
3.
10180090
11801287
4.
5.
Unallocated Liabilities
1324182
1101971
22979975
20975732
Total
ii)
Treasury Operations include dealing in Government and Other Securities, Money Market operations and
Forex operations.
iii)
The Retail Banking Segment consists of all exposures upto a limit of `5 crore (including Fund Based and
Non Fund Based exposures) subject to orientation, product, granularity criteria and individual exposures.
198
c)
iv)
The Corporate/ Wholesale Segment consist of all advances to Trusts/ Partnership Firms Companies and
statutory bodies, which are not included under Retail Banking.
iv)
The other Banking Segment includes all other Banking operations not covered under the above three
categories.
v)
General Banking operations are the main resource mobilizing unit and Treasury Segment compensates
the former for funds lent to it by taking into consideration the average funds used.
vii)
Allocation of Costs:
a
Expenses directly attributable to a particular segment are allocated to the relative segment.
Expenses not directly attributable to a specific segment are allocated in proportion to the funds
employed.
Related Party disclosures as per Accounting Standard 18 - Related Party

1
List of Related Parties:

(a)
(b)
Key Managerial Personnel Name
Designation
i)
Mr. S. Sridhar (till 31.05.2011)
ii)
Mr. M.V. Tanksale (from 29.06.2011)
iii)
Mrs. V. R. Iyer
Executive Director
iv)
Mr. R. K. Dubey
Executive Director
Subsidiaries i) Cent Bank Home Finance Ltd.

ii) Cent Bank Financial & Custodial Services Ltd.
(c)
2.
Associates (I)
Regional Rural Banks -
i)
Satpura Narmada Kshetriya Gramin Bank, Chhindwara
ii)
Surguja Kshetriya Gramin Bank, Ambikapur
iii)
Uttar Bihar Gramin Bank, Muzzaffarpur
iv)
Vidharbha Kshetriya Gramin Bank, Akola
v)
Ballia Etawah Gramin Bank, Ballia
vi)
Hadoti Kshetriya Gramin Bank, Kota
vii)
Uttarbanga Kshetriya Gramin Bank, Cooch Behar
(II)
Indo - Zambia Bank Ltd.
Transactions with Related Parties:

(` in lacs)
(a)
Items
Key Management Personnel
Remuneration paid
199
2011 -12
2010-11
66.50
58.14
b)
Statement of Related Parties Transaction

(` in crore)
Sl.
No.
Related Parties
As on
Investment
Purchase
of Loan
Assets
Sale of
Loan
Assets
Line of
credit to
RRBs
Cumu- Max. Amt Int. Amt Int.

lative during O/s Recd Sold Paid
the
year
Satpura Narmada KGB
Surguja KGB
Uttar Bihar GB
Vidharbha KGB
Ballia Etawah GB
Hadoti KGB
Uttarbanga KGB
TOTAL
(c)
Amt
Participation under IBPC
Int.
recd
Purchase of
Direct Agri.
Assets by
Sponsor Bank
Sale of Non
Priority Sector
Portfolio by
Sponsor Bank
Amt.
O/s
Amt.
O/s
Intt.
Recd. by
Sponsor
Bank
Intt.
Paid by
Sponsor
Bank
31.03.12
34.64
34.64
0.00
0.00
0.00 0.00
0.00
0.00
380.00
7.40
380.00
8.51
31.03.11
27.64
27.64
0.00
6.63
0.00 6.63 200.23
5.67
150.00
0.00
150.00
0.00
31.03.12
2.57
2.57
0.00
0.00
0.00 0.00
0.00
0.00
80.00
2.22
80.00
2.55
31.03.11
2.57
2.57
0.00
0.00
0.00 0.00
0.00
0.00
45.00
0.00
45.00
0.00
31.03.12
159.09
159.09
0.00
0.00
0.00 0.00
-0.04
2.62
1160.00
41.92 1160.00
48.21
31.03.11
159.09
159.09
0.00 13.44
0.00 0.00 326.11
2.74
850.00
0.00
850.00
0.00
31.03.12
6.22
6.22
50.29
2.07
130.00
4.93
130.00
5.67
31.03.11
6.22
6.22
50.00
0.10
100.00
0.00
100.00
0.00
31.03.12
11.72
11.72
110
5.42
110
6.24
31.03.11
11.72
11.72
0.00
110.00
0.00
110.00
0.00
31.03.12
2.45
2.45
185.00
7.89
185.00
9.07
31.03.11
2.45
2.45
0.00
0.00
160.00
0.00
160.00
0.00
31.03.12
20.58
20.57
35
1.23
35
1.42
31.03.11
20.58
20.58
0.00
0.00
31.03.12
237.27
237.27
31.03.11
230.27
230.27
0.00
0.00
0.00
0.00
0.00 20.07
0.00 0.00
0.00 0.00
0.00 0.00
0
0.00
0.00
0.00
0.00 0.00
0.00
0.00
25.00
0.00
25.00
0.00
50.29
4.69
2080
71.01
2080
81.67
0.00 0.00 576.34
8.51
1440.00
0.00 1440.00
0.00
Accounting Standard 20 - Earnings per Share

Earnings per share as per AS 20 has been arrived at as follows:
Net Profit after Tax available for Equity Share Holder (` in Crore)
Weighted Average number of Equity Share (No.)
Basic Earnings per Share (`)
Diluted Earnings per Share (`)
Nominal Value per Share (`)
31.3.2012
31.3.2011
383.59
1118.90
644194814
404141460
5.95
22.04*
5.95
22.04*
10.00
10.00
* As per Accounting Standard 20 reinstated consequent to Right issue of equity shares in April 2011
200
(d)
Accounting Standard 22 -Accounting for Taxes on Income

The Bank has recognized Deferred Tax Assets/ Liabilities.
Major components of Deferred Tax Assets and Deferred Tax Liabilities are as under:
(` in Crore)
31.3.2012
31.3.2011
84.36
71.76
145.28
301.53
23.71
--
6.24
--
259.59
373.29
--
19.80
Interest accrued but not due on Investments
411.28
353.41
Depreciation on Investments
303.33
146.38
714.61
519.59
455.02
146.30
Deferred Tax Asset:

Provision for Leave Encashment
Provision for Pension and Gratuity
Others
Depreciation on Fixed Assets
Total (A):
Deferred Tax Liabilities:
Total (B):
Net Deferred Tax Liability
(e)
Accounting Standard - 28 -Impairment of Assets

A substantial portion of Banks assets comprise financial assets to which Accounting Standard-28 on Impairment of
Assets is not applicable. In the opinion of the management, there is no material impairment on Other Assets other
than financial assets as at March 31, 2012, requiring recognition in terms of the Standard.
(f)
Accounting Standard - 29 on Provisions, Contingent Liabilities and Contingent Assets

i)
Movement of Provision:
(` in Crore)
Particulars
Opening Balance
as on 01.04.2011
Contingencies Provisions
against claim not
acknowledged as debt
ii)
Provision made
Provisions
during the year reversed/ adjusted
3.83
0.07
--
Closing Balance
as on 31.3.2012
3.90
Additional Disclosures
(` in Crore)
31.3.2012
31.3.2011
149
154
1375
632
54
106
Provision made for Taxes (net of reversal of excess provision of earlier

year `112.38 crore)
113
407
Other Provision and Contingencies
591
40
2282
1339
Provisions/ Depreciation on Investment

Provision towards NPA
Provision towards Standard Asset
TOTAL
201
iii)
Floating Provisions
(` in Crore)
Particulars
iv)
31.3.2012
31.3.2011
312.43
312.43
Opening balance in the Floating Provisions account
The quantum of Floating Provisions made in the Accounting Year
--
--
Amount of draw down made during the Accounting Year.
--
--
Closing balance in the Floating Provisions account
312.43
312.43
Movement of Provision for Liabilities:

(` in Crore)
Other Legal Cases
31.3.2012
31.3.2011
Opening Balance
3.83
3.83
0.07
Closing Balance
3.90
3.83
Timing of any resulting outflow
N.A.
N.A.
Amount used during the period
13
Details of Complaints
Customer Complaints
No. of complaints
31.03.2012
31.03.2011
514
596
a)
Pending at the beginning of the year
b)
Received during the year
5793
12745
c)
Redressed during the year
6073
12827
d)
Pending at the end of the year
234
514
Awards Passed by Banking Ombudsman
Numbers
31.03.2012
31.03.2011
a)
No. of unimplemented Awards at the beginning of the year
b)
No. of Awards passed by Banking Ombudsman during the year
c)
No. of Awards implemented during the year
d)
No. of unimplemented awards at the end of the year
As compiled by the Management and relied upon by the auditors.

Investors complaints
No. of complaints
31.03.2012
31.03.2011
a)
Pending at the beginning of the year
b)
Received during the year
326
425
c)
Redressed during the year
326
425
d)
Pending at the end of the year
202
14
Details of Letters of Comfort issued and outstanding as on 31.3.2012

Total Number
Amount outstanding (` in Crores)
409
1669.24
The above mentioned Letters of Comfort are issued within the sanctioned Trade Credit Limits.
15.
As per the information compiled by the Management, the Vendors, whose services are utilized and from whom
purchases were made by the Bank, are not registered under Micro, Small and Medium Enterprises Development Act,
2006. This is relied upon by the Auditors.
16.
Previous year figures have been re-grouped / re-classified wherever considered necessary to conform to current years
classification.
M. V. Tanksale
V. R. Iyer
Executive Director
R. K. Dubey
Executive Director
Alok Tandon
Director
Salim Gangadharan
Director
Romesh Sabharwal
Director

Director
Guman Singh
Director
N. Balakrishnan
Director
Brijlal Kshatriya
Director
B. S. Rambabu
Director

F.R.No. 003510S

F.R.No. 000257N

F.R.No. 003073S
(CA B. Aruna)
Patner
M.No. 216454
(CA Sunil Aggarwal)

Partner
M.No.083899

Partner
M.No. 204567

F.R.No. 100186W
For M/s. Ghiya & Co

F.R.No. 001088C

F.R.No. 003708N
(CA G.P.Gupta)
Partner
M.No.075000
(CA Milan Shrimali)

Partner
M.No.088578

Partner
M.No.038934
Place : Mumbai
Date : May 08, 2012
203
Cash Flow Statement for the Year Ended March 31, 2012
(` In Crore)
Sn
Particulars
31- 03- 2012
31-03-2011
CASH FLOW FROM OPERATING ACTIVITIES

646.37
1,627.18
Depreciation on fixed assets
143.54
118.69
Depreciation on investments (including on matured debentures)
153.72
150.98
1,374.98
631.79
640.91
106.14
Provision for Other items (Net)
(1.05)
43.31
Profit / Loss on sale of fixed assets (Net)
(0.41)
(0.11)
522.54
470.99
Interest on Income tax refund
43.00
Dividend received from subsidiaries / others (treated separately)
(2.35)
(1.55)
3,521.25
3,147.41
16,817.31
17,248.54
Increase / (Decrease) in Borrowings
(468.38)
4,531.35
Increase / (Decrease) in Other Liabilities and Provisions
1,527.49
181.83
(19,803.33)
(24,341.56)
(Increase) / Decrease in Investments
(4,892.50)
(3,941.62)
(Increase) / Decrease in Other Assets
1,329.33
(2,558.06)
Direct Taxes paid (Net of Refund etc)
(108.65)
(633.14)
Net Cash from operating activities (A)
(5,598.74)
(9,512.66)
NET CASH FLOW FROM OPERATING ACTIVITIES
(2,077.49)
(6,365.25)
3.19
1.27
(227.32)
(235.54)
2.35
1.55
(221.78)
(232.71)
1,417.01
2,275.68
500.00
1,030.00
(211.86)
(142.00)
Net Profit before taxes

I
Adjustments for:
Bad Debts written off/Provision in respect of non performing assets

Provision for Standard Assets / Restructed
Payment/ provision for interest on subordinated debt (treated separately)
Sub total
II
Adjustments for :
Increase / (Decrease) in Deposits
(Increase) / Decrease in Advances
CASH FLOW FROM INVESTING ACTIVITIES

Sale / Disposal of Fixed Assets
Purchase of Fixed Assets
Income earned by way of Dividend etc. from subsidiaries and associates
Change in Trade related investments (subsidiaries & Others)
NET CASH FLOW FROM INVESTING ACTIVITIES
CASH FLOW FROM FINANCING ACTIVITIES

Share Capital / Application money
Proceeds / Redemption of Subordinated Debts Tier II Capital
Dividend Paid (Inculding Interim Dividend of Prev year)
204
(` In Crore)
Sn
Particulars
31- 03- 2012
31-03-2011
(34.37)
(23.96)
(5.18)
(4.98)
Interest on Subordinated Debt
(522.54)
(470.99)
NET CASH FLOW FROM FINANCING ACTIVITIES
1,143.07
2,663.75
(1,156.20)
(3,934.21)
14,081.99
17,011.93
1,200.81
2,205.09
15,282.80
19,217.01
13,114.18
14,081.99
1,012.42
1,200.81
14,126.60
15,282.80
Dividend Tax Paid

Interest on JNY Swap coupon
Net increase in cash & cash equivalents (A + B + C) or (F - E)
CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR

Cash and Bank Balance with RBI
Balance with Banks and Money at Call and Short Notice
Net cash and cash equivalents at the beginning of the year
CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR

Net cash and cash equivalents at the end of the year
M. V. Tanksale
V. R. Iyer
Executive Director
R. K. Dubey
Executive Director
Alok Tandon
Director
Salim Gangadharan
Director
Romesh Sabharwal
Director

Director
Guman Singh
Director
N. Balakrishnan
Director
Brijlal Kshatriya
Director
B. S. Rambabu
Director

F.R.No. 003510S

F.R.No. 000257N

F.R.No. 003073S
(CA B. Aruna)
Patner
M.No. 216454
(CA Sunil Aggarwal)

Partner
M.No.083899

Partner
M.No. 204567

F.R.No. 100186W
For M/s. Ghiya & Co

F.R.No. 001088C

F.R.No. 003708N
(CA G.P.Gupta)
Partner
M.No.075000
(CA Milan Shrimali)

Partner
M.No.088578

Partner
M.No.038934
Place : Mumbai
Date : May 08, 2012
205
Table DF-1
1. Scope of application
Qualitative Disclosures:
a.
Parent Bank: Central Bank of India

The disclosure in this sheet pertains to Central Bank of India on solo basis.
b.
In the consolidated accounts, banks subsidiaries/associates are treated as under:

(b.i) Banks Subsidiary: The details of Banks subsidiary are as under:
Sl. No.
Name of Subsidiary
Cent Bank Home Finance Ltd.
Cent Bank Financial Services Ltd
Ownership
59.50%
100%
The subsidiaries of parent bank are consolidated on line by line aggregation of like items of assets,
liabilities, income and expenses of subsidiaries with the respective item of the parent and after eliminating
material intra-group balances/transactions, unrealized profit/loss and making necessary adjustments
wherever possible to confirm to accounting policies, based on data received from these subsidiaries duly
certified by their respective auditors. The financial statements of the subsidiaries have been drawn up to
the same reporting date as that of parent i.e. 31st March, 2012. The accounting standard followed for the
consolidation of the financial statements of subsidiaries is AS- 21.
(b.ii) Associates: The Banks associates are as under:
Sl. No.
Name of Regional Rural Banks
Ownership
Regional Rural Banks
Satpura Narmada Kshetriya Gramin Bank, Chhindwara
35%
35%
35%
35%
35%
35%
Uttarbanga Kshetriya Gram Bank, Cooch Bihar
35%
II
Indo-Zambia Bank Ltd., Zambia.
20%
The accounting standard followed for accounting for investments in Associates in consolidated financial
statements is as per AS-23 issued by ICAI. The method followed is equity.
The financial statement of INDO Zambia Bank Ltd., considered as an associate has been prepared in
accordance with the International accounting Standard. All Regional Rural Bank and one associate are in
the nature of financial entities.
For computation of CRAR of the Bank, investment in Subsidiaries and Regional Rural Banks are deducted
from Tier I and Tier II capital equally.
CRAR is calculated for bank on standalone basis.
c)
The aggregate amount of capital deficiencies in all subsidiaries not included in the consolidation i.e. that are
deducted and the name(s) of such subsidiaries: NIL
(d)
The aggregate amounts (e.g. current book value) of the banks total interests in insurance entities, which are riskweighted as well as their name, their country of incorporation or residence, the proportion of ownership interest
and, if different, the proportion of voting power in these entities is NIL.
206

Table DF-2
2. Capital structure
a)
Equity capital
The bank has authorized capital of `3000.00 Crore as on 31st March, 2012, the bank has issued, subscribed and
paid up equity capital of `736.12 crore, constituting 736115416 Number of shares of `10 each.
Out of this, 79.15% shareholding constituting 582635426 numbers of shares is with the Government of India as
of 31st March, 2012.
2.1
Debt capital instruments
2.2.1 Details of TIER I Capital

TIER I
CAPITAL
ISSUE
DATE
PERIODS
DATE OF
AMOUNT INTEREST RATE
IN MONTH REDEMPTION (` In Crores)
IPDI
30.03.2009
Perpetual
Perpetual
583.00
G-Sec + 250bps to be repriced every year

in March .
PNCPS
26.11.2006
Perpetual
Perpetual
800.00
Repo+100 bps to be repriced every year on

relevant dates.
PNCPS
30.03.2009
Perpetual
Perpetual
117.00

relevant dates.
PNCPS
31.03.2010
Perpetual
Perpetual
450.00

relevant dates.
PNCPS
04.06.2010
Perpetual
Perpetual
250.00
Repo+100 bps to be repriced every year

relevant dates.
TOTAL
2200.00
2.2.2 Details of Upper TIER II Bonds

SERIES
ISSUE
DATE
DATE OF
AMOUNT
REDEMPTION (Ìn Crores)
INTEREST RATE
Upper Tier
II (Sr-I)
14.11.2008
14.11.2023
300.00
11.45% p.a.
Step up of 50bps from 11th year
(11.95% till maturity)
Upper Tier
II (Sr-II)
17.02.2009
17.02.2024
285.00
9.40% p.a
Upper Tier
II (Sr-III)
23.06.2009
23.06.2024
500.00
8.80% p.a.
Upper Tier
II (Sr-IV)
20.01.2010
20.01.2025
500.00
8.63% p.a.
Upper Tier
II (Sr-V)
11.06.2010
11.06.2025
1000.00
8.57% p.a.
Step up of 50bps from 11th year (9.07% till maturity)
Upper Tier
II (Sr-VI)
21.01.2011
21.01.2026
300.00
9.20%p.a.
Till redemption
TOTAL
2885.00
207
2.2.3 Details of Subordinated Bonds

SERIES
ISSUE DATE
DATE OF REDEMPTION
AMOUNT (Ìn Crores)
INTEREST RATE
IX
08.10.2004
08.06.2014
200.00
7.05% p.a.
28.03.2006
28.06.2015
578.20
8.15%p.a.
XI
04.10.2006
04.10.2016
700.00
8.95%p.a.
XII
03.03.2008
03.05.2017
389.10
9.20%p.a.
Lower Tier II (Sr-XIII)
10.02.2009
10.04.2018
270.00
9.35%p.a.
XIV
21.12.2011
21.12.2026
500.00
9.33%p.a.
TOTAL
2637.00
` in crores
b) Tier 1 capital
with separate disclosure of:
10978.41
paid-up share capital
736.12
reserves
innovative instruments : IPDI
8173.50
583.00
PNCPS
1617.00
amounts deducted from Tier 1 capital

investments
127.09
intangibles -
4.13
(c) Tier 2 capital (net of deductions from Tier 2 capital):
6485.64
(d) Debt capital instruments eligible for inclusion in

Upper Tier 2 capital
Total amount outstanding-
2885.00
Of which amount raised during the current year
NIL
Amount eligible to be reckoned as capital funds
2885.00
(e) Subordinated debt eligible for inclusion in Lower

Tier 2 capital
Total amount outstanding
2637.00
Of which amount raised during the current year -
500.00
Amount eligible to be reckoned as capital funds
2146.02
(f) Other deductions from capital
127.09
(g) Total eligible capital.
17464.04
208

Table DF-3
Capital Adequacy
Qualitative disclosures
(a)
A summary discussion of the banks approach to assessing the adequacy of its capital to support current and
future activities:
The bank carries out regular assessment of its capital requirement from time to time to maintain the capital to
Risk Weight Assets Ratio (CRAR) at desired level. The capital plan is reviewed on annual basis to take care of
business growth and CRAR.
The bank has adopted standardized approach for credit risk, basic indicator approach for operational risk and
standardized duration approach for market risk.
The bank has put in place a well laid down Internal Capital Adequacy Assessment Process to enable the bank to
plan its capital requirements in relation to its business projections and to meet the risks inherent in the business.
The main objective of ICAAP exercise is to identify and measure the risks that are not fully captured by the
minimum capital ratio prescribed under Pillar1; the risks that are not at all taken into account by the pillar 1; and
the factors external to the bank and to provide capital for such additional risks and to measure an appropriate
level of internal capital in relation to the banks risk profile. The bank has also put in place the stress testing policy
to measure impact of adverse stress scenario under pillar II on its CRAR.
The bank is reviewing the ICAAP on quarterly basis.
` in crores
Quantitative disclosures
(b) Capital requirements for credit risk at 9%:
Portfolios subject to standardized approach
Fund based
Non-fund based
Securitisation exposures
10705.32
578.89
NIL
(c) Capital requirements for market risk:
Standardised duration approach:

- Interest rate risk
439.73
- Foreign exchange risk (including gold)
25.46
- Equity risk
239.32
(d) Capital requirements for operational risk:
Basic indicator approach
685.35
(e) Total capital ratio
12.40%
Tier 1 capital ratio
7.79%
209
General qualitative disclosure requirement

A committee of board of Directors regularly oversee the Banks Risk Management policies/practices under various risks
viz. credit, operational, market etc. The bank also has separate committees for each risk comprising of top executives of
bank headed by Chairman and Managing Director/ Executive directors such as Asset liability Management committee,
Credit policy Committee, Operational Risk committee. These committees meet at regular intervals throughout the year
to assess and monitor the level of risk under various bank operations and initiate appropriate mitigation measures
wherever necessary.
The Risk Management Department at central office level headed by General Manager measures control and manages
risk within the limits set by the Board and enforces compliance with risk parameters set by various committees. The
General Manager is assisted by Deputy General Manager and a team of Assistant General Managers, Chief Managers
and Senior Managers.
At Zonal offices, the identified Risk Managers are acting as an extended Arms of the Risk Management Department of
the Central Office.
The bank has in place the various policies such as Credit Risk Management Policy, Credit Risk Mitigation and Collateral
Management Policy, Stress testing policy, Disclosure policy, Operational risk policy, ALM policy and Market risk Policy.
Besides this, the Loan Policy prescribing broad parameters governing loan functions, guidelines on appraisal and
evaluation of credit proposals, lending powers of delegated authority, exposure norms, prudential limits and measures
of monitoring and controlling the credit portfolio documentation is also in place.
The Credit Monitoring Department headed by Chief General Manager monitors the quality of loan proposals, identify
special mention accounts and take corrective measures, Monitor exposure norms and prudential norms for various
sectors, monitor review and renew of credit limits etc.
The bank has introduced rating models for various segments of borrowers including retail lending schemes which
measures the risk associated with counterparties and helps in credit and pricing decisions. In case of large borrowers
credit risk assessment models evaluate financial risk, Industry risk, Management risk and business risk of the counter
party and each of these risks are scored separately and then overall rating is accorded to counter party.
210

Table DF-4
Credit risk: General disclosures for all banks
Credit risk
Definitions of past due and impaired
A Non Performing Asset shall be a loan or an advance where(i)
Interest and/or instalment of principal remain overdue for a period of more than 90days in respect of a Term
Loan;
(ii)
The account remains out of order for 90 days
(iii)
The bill remains overdue for a period of more than 90days in the case of bills Purchased and Discounted
(iv)
In case of advances granted for Agricultural purposes

a)
The instalment of principal or interest thereon remains overdue for two crop seasons for short duration
crops
b)
The instalment of principal or interest thereon remains overdue for one crop seasons for long duration
crops
(v)
The account remained overdue for more than 180days
(vi)
Submission for stock statement is overdue for more than 90days
Out of Order:
An account should be treated as out of Order if the outstanding balance remains continuously in excess of the
sanctioned limit/drawing power. In cases where the outstanding balance in the principal operating accounts less than
the sanctioned limit/drawing power, but there are no credits continuously for 90 days as on the date of balance sheet
or credit are not enough to cover the interest debited in the account during the same period.
Overdue:
Any amount due to the bank under any credit facility is overdue if it is not paid on due date fixed by the bank.
Credit Risk Management Policy
Bank has put in place a well-articulated Board approved Credit Risk Policy which is reviewed annually. The policy deals
with the following areas:
Credit risk- definition, Policy and strategy
Risk identification & measurement,
Risk grading and aggregation,
Credit risk rating framework and reporting,
Risk control and portfolio management,
Mitigation techniques,
Management of problem accounts,
Target markets and type of economic activity,
Credit approval authority,
Country and currency exposure,
Maturity patterns, level of diversification,
Cyclical aspect of the economy,
Credit risk in off balance sheet exposure,
Credit risk monitoring procedures
Managing of credit risk in inter Bank Exposure,
Country risk and other operational matters.
211
(` in crores)
Quantitative Disclosures:
(a) Total gross credit risk exposures:
Fund based:
216213.78
Non-fund based:
60195.65
(b) Geographic distribution of exposures:
Overseas
361.41
Domestic
276148.02
(c) Industry type distribution of exposures

Coal
Mining
Fund
Non Fund
29.65
0.0
14.70
0.0
Iron and Steel
5044.09
457.22
Other metal and metal products
1032.95
11.88
All Engineering
2997.63
2555.24
Electricity
384.75
7.39
1199.39
160.43
171.87
0.30
Other Textiles
2853.77
41.99
Sugar
1213.16
138.03
189.09
0.22
1010.90
114.45
703.05
91.03
Cotton Textiles
Jute Textiles
Tea
Food Processing
Vegetable Oil and Vanaspati
Tobacco and tobacco products
63.59
0.03
Paper and paper products
410.26
25.79
Rubber and rubber products
190.69
14.93
Chemical, Dyes and paints
2058.07
282.38
Cement
1308.65
154.09
103.84
2.59
Gems and Jewellery
1026.76
524.61
Construction
2115.80
911.52
Petroleum
Leather and leather products
1945.08
791.36
Automobiles including trucks
476.73
54.77
Computer software
540.95
0.00
31185.80
533.94
6686.87
1790.66
85766.75
3868.38
Infrastructure
Other Industries
Residual Advance to balance
212
(d) Residual contractual maturity breakdown of Assets:

Day 1 :
2345.61
02 days to 07 days:
3377.98
08 days to 14 days:
1886.39
15 days to 28 days:
2403.5
29 days to 3 months:
12722.16
Above 3 months to 6 months:
9072.17
12441.31
83689.84
27397.54
Over 60 month:
55195.87
(e) Amount of NPAs (Gross)
7273.46
Substandard
4736.75
Doubtful
2498.03
Loss
38.68
(f) Net NPAs
4556.77
(g) NPA Ratios
Gross NPAs to gross advances
4.83
Net NPAs to net advances
3.09
(h) Movement of NPAs (Gross)
Opening balance
2394.53
Additions
6849.29
Reductions
1970.36
NPA (Gross)
7273.46
(i) Movement of provisions for NPAs(Net)
Opening balance
1085.00
Provisions made during the period
1379.00
Write-off Write-back of excess provisions
Closing balance
244.00
2220.00
(j) Amount of Non-Performing Investments
15.77
(k) Amount of provisions held for non-performing investments
15.77
(l) Movement of provisions/depreciation on investments:
Opening balance
344.37
Provisions made during the period
409.61
Write-off /write back of excess provision
260.28
Closing balance
493.70
213
Table DF-5
Credit risk: disclosures for portfolios subject to the standardized approach
a.
The Bank has adopted Standardized approach for computation of capital charge for Credit risk as per RBI
guidelines. These guidelines envisage different risk weights for different asset classes, which have been duly
applied.
b.
The Bank has entered into Memorandum of Understanding with four External Credit Rating Agencies identified
by the RBI viz., CRISIL Ltd., CARE, ICRA Ltd., and Fitch Ratings (I) Ltd., to rate the exposures of its clients under
Basel II norms.
c.
These agencies will rate all fund and non fund based exposures. The ratings awarded by these agencies to the
banks clients are adopted for assigning risk-weights.
d.
In case of banks investment in particular issues of Corporate, the issue specific rating of the rating agency is
reckoned to assign the risk weight to comparable exposures as per the mapping scale provided by RBI.
` in crores
Quantitative Disclosures:
(b) For exposure amounts after risk mitigation subject to the standardized approach,
amount of a banks outstanding (rated and unrated) in the following three major risk
buckets as well as those that are deducted:
Below 100 % risk weight:
177076.54
100 % risk weight:
70311.04
More than 100 % risk weight:
25862.18
Amount Deducted-CRM
11565.84
Table DF-6
Credit risk mitigation: disclosures for standardized approaches 1
Policies and processes for collateral valuation and management;

Bank has well defined credit risk mitigation and collateral management policy. The main types of collaterals
accepted by bank are cash and near cash securities, land and building, and plant and machinery etc.
A description of the main types of collateral taken by the bank;

Bank accepts personal guarantees, corporate guarantees and guarantees issued by sovereigns and banks.
Collaterals are valued at fair market value and at regular intervals as per the policy guidelines.
RBI guidelines on New Capital Adequacy Framework recognize various types of financial collaterals for the
purpose of credit risk mitigation. The guidelines further provide recognition of guarantees as one of the credit
risk mitigants. Bank has put in place suitable policy measures to capture these elements.
` in crores
(b) For disclosed credit risk portfolio under the standardized approach, the total exposure
that is covered by:
eligible financial collateral; after the application of haircutsFund based
9556.42
Non fund based
1907.09
214

Table DF-7
Securitisation: disclosure for standardized approach
Qualitative Disclosures:
NIL
` in crores
Banking Book
(d) The total amount of exposures securitised by the bank
NIL
(e) For exposures securitised losses recognized by the bank during the current period broken by the
exposure type (eg. Credit cards, housing loans, auto loans etc. detailed by underlying secutity)
NIL
(f) Amount of assets intended to be securitized within a year
NIL
(g) Of (f), the amount of assets originated within a year before securitization
NIL
(h) The total amount of exposures securitised (by exposure type) and unrecognized gain or losses
on sale by exposure type
NIL
(i)
(j)
Aggregate amount of :
-
On balance sheet securitization exposures retained or purchased broken type and-
NIL
Off balance sheet securitization exposures broken down by exposure type
NIL
Aggregate amount of securitisation exposures retained or purchased and the associated capital
charges broken down between exposures and further broken down into different risk weight
bands for each regulatory capital approach.
NIL
Exposures that have been deducted entirely from Tier 1 capital, credit enhancing I/Os deducted
from Total Capital, and other exposures deducted from total capital (by exposure type)
NIL
Trading Book:
(k) Aggregate amount of exposures securitized by the bank for which the bank has retained some
exposures and which is subject to the market risk approach by exposure type
(l)
NIL
Aggregate amount of :
-
On balance sheet securitization exposures retained or purchased broken type and-
NIL
Off balance sheet securitization exposures broken down by exposure type
NIL
(m) Aggregate amount of securitization exposures retained or purchased separately for :

-
securitization exposures retained or purchased subject to comprehensive risk measure risk

measure for specific risk: and
NIL
securitization exposures subject to the securitization framework for specific risk broken
down into different risk weight bands
NIL
(n) Aggregate amount of :

-
The capital requirements for the securitization exposures, subject to the securitization
framework broken down into different risk weight bands
NIL
Securitization exposures that are deducted entirely from Tier 1 capital, credit enhancing I/O
deducted from total capital, and other exposures deducted from total capital ( by exposure
type)
NIL
215
Table DF-8
Market risk in trading book
The bank has well defined Investment and Market Risk Management Policy. This policy covers all important areas of
market risk measurement.
Bank defines Market Risk as the risk of loss in on-balance sheet and off-balance sheet positions arising from movements
in market process, in particular, changes in interest rates, exchange rates and equity and commodity prices.
The bank has adopted Standardized Duration Approach for measuring the capital requirements for market risk as
prescribed by RBI.
Policies for management of Market Risk:
The bank has put in place board approved Investment and Market Risk Management Policy for effective management of
Market Risk in the bank. Other policies which also deal with Market Risk Management are Asset Liability Management
Policy and Policy on Foreign Exchange Operations.
The policies set various prudential exposure limits and risk limits for ensuring that the operations are in line with banks
expectations of return to market risk through proper Market Risk Management and Asset Liability Management.
Asset-Liability Management
The ALM Policy is the framework of the ALM process. Banks balance sheet has mixed exposure to different levels
financial risk. The goal of bank is to maximize its profitability, but do so in a manner that does not expose the bank to
excessive levels of risk which will ultimately affect the profitability. The Policy defines the limits for key measure of risk
limits that have been established to specifically accommodate a banks unique balance complexion, strategic direction,
and appetite for risk.
Liquidity Risk
Liquidity Risk is managed through GAP analysis, based on residual maturity/behavior pattern of assets and liabilities.
Banks has also put in place mechanism of short term dynamic liquidity management and contingency funding plan.
Prudential limits are prescribed for different residual maturity time buckets for efficient Asset Liability Management
Liquidity profile of the bank is also evaluated through various liquidity ratios.
Interest rate risk
Interest rate risk is managed through Gap analysis of rate sensitive assets and liabilities and is monitored through
prudential limits. Bank also estimates risk periodically against adverse movements in interest rate for assessing the
impact on Net Interest Income and economic Value of Equity.
Quantitative disclosures
Capital Requirement for Market Risk
Capital Charge
Interest Rate Risk
` 439.72 crores
Equity Position Risk
` 239.31 crores
` 25.46 crores
Foreign Exchange Risk
` 704.50 crores
TOTAL
216

Table DF-9
Operational risk
Operational Risk is the risk of losses resulting from inadequate or failed internal processes, people and systems or
from external events. Operational Risk includes legal risk but excludes strategic and reputation risks. Operational Risk
Management in the Bank is guided by a well defined Operational Risk Management Policy which is reviewed every
year. The bank has initiated pro-active steps to equip itself to migrate to advanced approaches under Operational
Risk and has started collation of data pertaining to Operational Risk loss events through Loss Data Management, Risk
& control Self Assessment (RCSA), Key Risk Indicators (KRI) & Scenario Analysis. Bank is also a member of loss data
consortium CORDEx for external loss data base.
The Bank has already approached RBI for moving to The Standardised Approach and is making efforts to move directly
to Advance Measurement Approach.
The bank has provided capital for operational risk as per Basic Indicator Approach. Accordingly the capital requirement
for operational risk as on 31.03.2012 is ` 685.35 Crores.
Table DF-10
Interest rate risk in the banking book (IRRBB)
Qualitative Disclosure:
The interest rate risk is measured and monitored through two approaches:
1)
Earning at risk (Traditional Gap Analysis)

The impact of change in interest rates on net interest income is analyzed under this approach and calculated under
yield curve approach. Under this approach a parallel shift of 1% is assumed both in assets and liabilities.
2)
Economic Value of Equity:

Modified duration of assets and liabilities is computed separately to arrive at modified duration of equity. A
parallel shift in yield curve by 200 basis point is assumed for calculating the economic value of equity.
Quantitative Disclosure:
` Crores
Parameter of Change
1.
Impact on Earnings at 200 bps increase in interest rate across assets and liability
2.
Market value of Equity: 200 bps change
48.65
2306.96
G. B. Songaonkar
General Manager RMD
(M.V. Tanksale)
Chairman &
Managing Director
(V.R. Iyer)
Executive Director
Date: 17.05.2012
217
(R. K. Dubey)
Executive Director
Auditors Report on Consolidated Financial Statements

To
THE BOARD OF DIRECTORS OF CENTRAL BANK OF INDIA
1.
We have audited the attached Consolidated Balance Sheet of Central Bank of India (The Bank), its subsidiaries and
Associates as at March 31, 2012 (collectively referred to as The Group), the Consolidated Profit & Loss Account and
the Consolidated Cash Flow for the year ended on that date, annexed thereto, in which are incorporated:
(i)
Audited Accounts of the Central Bank of India (The Bank), audited by us,
(ii)
Audited Accounts of the 2 Subsidiaries, 7 Regional Rural Banks and 1 Other Associate audited by other auditors.
These consolidated financial statements are the responsibility of the Banks management and have been prepared
by them on the basis of separate financial statements and other financial information regarding subsidiaries and
associates. Our responsibility is to express an opinion on these financial statements based on our audit.
2.
These consolidated financial statements have been prepared by the banks management in accordance with
the requirement of Accounting Standard 21- Consolidated Financial Statements and Accounting Standard 23Accounting for Investments in Associates in Consolidated Financial Statements, issued by the Institute of Chartered
Accountants of India and the guidelines of the Reserve Bank of India.
3.
We conducted our audit of the consolidated financial statements in accordance with auditing standards generally
accepted in India. Those standards require that we plan and perform the audit to obtain reasonable assurance
about whether the financial statements are prepared, in all material respects, in accordance with an identified
financial reporting framework and are free of material misstatements. An audit includes examining on a test basis,
evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the
accounting principles used and significant estimates made by the management, as well as evaluating the overall
financial statement presentation. We believe that our audit provides a reasonable basis for our opinion.
4.
We have not audited the financial statements of the

(i)
subsidiaries whose financial statements reflect total assets of ` 351.68 crore as at March 31, 2012 and Total
Revenue of ` 53.70 crore and net cash flows amounting to ` 9.84 crore for the year ended on that date.
(ii)
Associates (7 Regional Rural Banks and 1 Other Associate) reflecting net profit of ` 213.30 Crore (The banks
share ` 69.28 crore) for the year ended on that date.
5.
Our opinion, in so far as it relates to the amounts included in respect of subsidiaries and associates of the Bank which
have been audited by other auditors and whose reports have been furnished to us, is based solely on the reports of
such auditors.
6.
Dividend has been declared by The Bank without writing off un-amortised amount of pension ` 719.95 Crore and
gratuity liability ` 166.20 Crore, subject to permission of Central Government.
7.
Without qualifying our opinion, we draw attention to Note No. 4.2.1 of Schedule 18 to the financial statements,
regarding deferment of pension liability and gratuity liability of The Bank to the extent of ` 886.15 crore, 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. DBOD.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.
218
8.
Based on our audit and consideration of reports of the respective auditors on separate financial statements of 2
subsidiaries, 7 Regional Rural Banks and 1 Other Associate and on the other financial information of the subsidiaries,
Regional Rural Banks and Associates and to the best of our information and according to the explanations given to
us, we are of the opinion that the attached consolidated financial statements, read with the significant accounting
policies and the notes on accounts, give the information in the manner required and give a true and fair view in
conformity with the accounting principles generally accepted in India:
i.
ii.
In the case of the Consolidated Balance Sheet, of the state of affairs of The Group as at 31st March, 2012;
In the case of the Consolidated Profit & Loss Account of the consolidated profit of the Group for the year ended
on that date; and
iii.
In the case of the Consolidated Cash Flow Statement of the cash flows of the Group for the year ended on that
date.
F.R.NO.-003510S
F.R.NO.-000257N
F.R.NO.-003073S
(CA B. SRINIVASA RAO)
(CA B. RAMANI)
PARTNER
PARTNER
PARTNER
M. NO.202352
M. NO.083899
M. NO.019603
F.R.NO.-100186W
F.R.NO.-001088C
F.R.NO.-003708N
(CA SANTANU GHOSH )
(CA G. P. GUPTA )
PARTNER
PARTNER
PARTNER
M. NO.050927
M. NO.075000
M. NO.088578
Place : Mumbai
Date : May 24, 2012
219
Consolidated Balance Sheet as at March 31, 2012

(000s Omitted)
Schedule
No.
AS AT
31-Mar-2012
`
AS AT
31-Mar- 2011
`
2,35,31,154
2,02,11,415
2,02,56,836
10,30,92,369
6,95,80,255
2,44,766
2,35,744
CAPITAL & LIABILITIES

Capital

Reserves and Surplus
Minorities Interest
2A
Deposits
1,96,23,53,203
1,79,37,85,456
Borrowings
12,91,85,961
12,88,69,794
Other Liabilities and Provisions
8,33,55,336
6,67,93,645
2,30,17,62,789
2,09,97,33,145
TOTAL
ASSETS
Cash and Balances with Reserve Bank of India
13,11,42,476
14,08,21,053
Balances with Banks and Money at Call and Short Notice
1,01,24,236
1,20,08,744
Investments
59,38,76,959
54,58,02,127
Loans & Advances
1,47,71,80,831
1,29,84,05,738
Fixed Assets
10
2,47,47,203
2,42,62,591
Other Assets
11
6,46,33,076
7,83,74,884
Goodwill on Consolidation
58,008
58,008
2,30,17,62,789
2,09,97,33,145
12
59,41,26,254
43,37,24,213
5,67,71,907
3,57,60,905
TOTAL
Contingent Liabilities
Bills for Collection
Significant Accounting Policies
17
Notes to Accounts
18
The schedules referred to above form an integral part of the Balance Sheet.
M. V. Tanksale
V. R. Iyer
R. K. Dubey
Executive Director
Executive Director
Alok Tandon
Salim Gangadharan
Romesh Sabharwal
Director
Director
Director
Director
Guman Singh
N. Balakrishnan
Brijlal Kshatriya
B. S. Rambabu
Director
Director
Director
Director
F.R.No. 003510S
(CA B. Srinivasa Rao)
Patner
M. No.202352
F.R.No. 100186W
(Ca Santanu Ghosh)
Partner
M. No.050927

F.R.No. 000257N
(CA Sunil Aggarwal)
Partner
M.No.083899
For M/s. Ghiya & Co
F.R.No. 001088C
(CA G.P.Gupta)
Partner
M.No.075000
Place : Mumbai
Date : May 24, 2012
220
For M/s. D. Rangaswamy & Co.

F.R.No.-003073S
(CA B. Ramani)
Partner
M. No.019603
F.R.No. 003708N
(CA Milan Shrimali)
Partner
M.No.088578
Consolidated Profit and Loss Account for the Year Ended March 31, 2012
Schedule
No.
INCOME
Interest and Dividend Earned
13
Other Income
14
TOTAL
II. EXPENDITURE
Interest Expended
15
Operating Expenses
16
TOTAL
III. PROFIT/ LOSS
Consolidated Net Profit for the year of the parents & subsidiaries
before Minority Interest
Less: Minorities Interest
Consolidated Net Profit for the year after deducting Minorities Interest
Add: Share of earnings in Associates
Less : Prior Period Adjustment In Associates- Refer Note No.7
Consolidated Profit for the year attributable to the Group
Add: Brought forward consolidated Profit attributable to the Group
Profit Available for Appropriation
IV. APPROPRIATIONS
Transfer to :
Statutory Reserve
Investment Reserve
Revenue Reserve
Staff Welfare Fund
Proposed Dividend -Preference Share Capital
Proposed Dividend -Equity Share Capital
Tax on Dividend
Reserve for interest on JPY swap coupon
Special Reserve U/S 36 (1) (viii)
Balance Carried over to the Balance Sheet
TOTAL
YEAR ENDED
31-Mar-12
`
(000s Omitted)
YEAR ENDED
31-Mar-11
`
19,16,89,278
1,40,93,724
20,57,83,002
15,27,41,610
1,23,94,906
16,51,36,516
13,98,60,499
3,75,57,007
2,29,01,447
20,03,18,953
9,89,75,660
4,00,49,219
1,34,33,180
15,24,58,059
54,64,049
1,26,78,457
23,143
54,40,906
6,92,774
61,33,680
15,34,061
76,67,741
38,051
1,26,40,406
5,04,166
15,30,884
1,16,13,688
24,65,972
1,40,79,660
13,32,598
4,39,466
2,17,530
1,50,000
12,85,921
14,72,231
4,44,545
17,060
23,08,390
76,67,741
31,68,525
52,82,293
1,50,000
11,48,706
13,74,051
4,10,869
11,155
10,00,000
15,34,061
1,40,79,660
7.20
25.43
I.
Earnings Per Share (In ` )

Significant Accounting Policies
17
Notes to Accounts
18
The schedules referred to above form an integral part of the Profit and Loss Account
M. V. Tanksale
V. R. Iyer
R. K. Dubey
Executive Director
Executive Director
Alok Tandon
Salim Gangadharan
Romesh Sabharwal
Director
Director
Director
Director
Guman Singh
N. Balakrishnan
Brijlal Kshatriya
B. S. Rambabu
Director
Director
Director
Director
F.R.No. 003510S
Patner
M. No.202352
F.R.No. 100186W
(Ca Santanu Ghosh)
Partner
M. No.050927

F.R.No. 000257N
(CA Sunil Aggarwal)
Partner
M.No.083899
For M/s. Ghiya & Co
F.R.No. 001088C
(CA G.P.Gupta)
Partner
M.No.075000
Place : Mumbai
Date : May 24, 2012
221

F.R.No.-003073S
(CA B. Ramani)
Partner
M. No.019603
F.R.No. 003708N
(CA Milan Shrimali)
Partner
M.No.088578
Schedules Forming Part of the Consolidated

PARTICULARS
(000s Omitted)
AS AT 31-Mar-12
`
SCHEDULE 1 : CAPITAL
Authorised Capital
Issued Subscribed and Paid up Capital :
AS AT 31-Mar-11
`
3,00,00,000
73,61,154
`
3,00,00,000
40,41,415
736115416 (P. Y. 404141460) Equity Shares of

` 10 each (includes 582635426 (P. Y. 324141460
shares held by Central Govt).
Perpetual non-cumulative Preference Share Capital
1,61,70,000
TOTAL
2,35,31,154
1,61,70,000
2,35,31,154
SCHEDULE 2 : RESERVES AND SURPLUS

I. Statutory Reserves
1,53,63,034
13,32,598
2,02,11,415
1,21,94,509
31,68,525
1,66,95,632
II. Capital Reserves

i) Revaluation Reserve
Deductions during the year
1,92,84,291
3,14,722
1,53,63,034
1,96,20,223
3,35,932
1,89,69,569
ii) Investment Reserve

36,31,035
4,39,466
1,92,84,291
36,31,035
-
40,70,501
III. Share Premium
73,60,000
3,11,07,132
36,31,035
73,60,000
-
3,84,67,132
IV. Revenue and Other Reserves
Revenue Reserves
Less: Deductions during the year
Add: Other Additions
2,14,07,834
2,17,530
51,778
-
V. Special Reserve U/S 36 (1)(viii)

VI. Balance in Profit and Loss Account
TOTAL
2,02,11,415
73,60,000
1,61,47,295
52,93,448
49,820
16,911
2,15,73,586
10,17,060
22,98,889
2,14,07,834
10,00,000
15,34,061
10,30,92,369
6,95,80,255
SCHEDULE 2 A : MINORITIES INTEREST

Minority Interest at the date on which the parent/
24,500
24,500
subsidiary relationship came into existence

Subsequent increase / decrease
2,20,266
Minority interest on the date of Balance-Sheet
2,44,766
222
2,11,244
2,35,744

PARTICULARS
AS AT 31-Mar-12
`
SCHEDULE 3 : DEPOSITS
A. I. Demand Deposits
i) From Banks
ii) From Others
II. Savings Bank Deposits
III. Term Deposits
i) From Banks
ii) From Others
AS AT 31-Mar-11
`
3,33,25,436
1,27,59,99,385
15,42,06,966
47,64,49,389
2,70,66,607
1,13,60,62,494
1,30,93,24,821
1,96,23,53,203
1,16,31,29,101
1,79,37,85,456
1,96,23,53,203
-
1,79,37,85,456
-
25,00,700
25,604
3,74,04,716
2,63,73,000
64,770
5,80,80,269
2,13,73,000
2,88,50,000
58,30,000
2,88,50,000
58,30,000
88,78,315
1,30,66,480
4552,028
5,68,58,513
10,09,84,020
2,82,01,941
12,91,85,961
11,41,98,039
1,46,71,755
12,88,69,794
Nil
Nil
8,33,55,336
8,33,55,336
34,40,230
92,86,641
14,64,918
5,26,01,856
1,66,77,013
11,34,65,463
10,00,000
223
6,67,93,645
6,67,93,645
92,58,726
13,05,62,327
10,00,000
11,44,65,463
13,11,42,476
TOTAL
35,79,786
15,06,27,180
12,70,81,792
52,59,46,590
II. Borrowings outside India

TOTAL
Secured Borrowings included in I & II above
SCHEDULE 5 : OTHER LIABILITIES AND PROVISIONS
I. Bills Payable
II. Inter Office Adjustments (Net)
III. Interest Accrued
IV. Deferred Tax Liabilities (Net)
V. Others(including provisions)
TOTAL
SCHEDULE 6 : CASH AND BALANCES WITH
RESERVE BANK OF INDIA
I. Cash in Hand (including foreign currency notes)
II. Balances with Reserve Bank of India
In Current Accounts
In Other Accounts
21,56,771
12,49,25,021
TOTAL
B. i) Deposits of Branches in India
ii) Deposits of Branches outside India
SCHEDULE 4 : BORROWINGS
I. Borrowings in India
i) Reserve Bank of India
ii) Other Banks
iii) Other Institutions & Agencies
iv) Unsecured Reedeemable Bonds
(Subordinated Debt)
v) Upper Tier II Bonds
vi) Innovative Perpetual Debt Instrument
(000s Omitted)
13,15,62,327
14,08,21,053

PARTICULARS
(000s Omitted)
AS AT 31-Mar-12
`
AS AT 31-Mar-11
`
SCHEDULE 7 : BALANCES WITH BANKS AND

MONEY AT CALL & SHORT NOTICE
I.
In India
i)
Balances with Banks

64,81,831
78,33,219
37,229
378
65,19,060
78,33,597
ii) Money at Call and Short Notice

a) With Banks
b) With Other Institutions
65,19,060
TOTAL....... I
78,33,597
II. Outside India

36,03,834
41,73,805
1,342
1,342
c) Money at Call & Short Notice

TOTAL....... II
TOTAL.... (I + II)
36,05,176
41,75,147
1,01,24,236
1,20,08,744
SCHEDULE 8 : INVESTMENTS
I.
Investments in India in : *
i)
ii) Other approved Securities

iii) Shares
iv) Debentures and Bonds
v) Investment in Associates
vi) Others (UTI Shares & Commercial Papers
Mutual Fund Units etc.)
50,72,83,560
47,76,19,617
6,03,668
8,43,682
94,24,314
80,80,675
4,10,16,662
3,52,68,008
35,62,053
28,71,564
3,16,01,514
2,07,99,968
59,34,91,771
54,54,83,514
II. Investments outside India in **

i)
ii) Investment in Associates
3,85,188
TOTAL
*
3,18,613
3,85,188
3,18,613
59,38,76,959
54,58,02,127
Investments in India :
LESS: Provision for Depreciation
59,68,31,169
54,89,09,471
33,39,398
34,25,957
Net Investments
59,34,91,771
54,54,83,514
** Investments outside India :

3,85,188
3,18,613
LESS: Provision for Depreciation

Net Investments
3,85,188
224
3,18,613

PARTICULARS
(000s Omitted)
AS AT 31-Mar-12
`
AS AT 31-Mar-11
`
SCHEDULE 9 : LOANS AND ADVANCES

A. i)
Bills Purchased and Discounted
2,25,38,880
1,93,76,090
ii) Cash Credits Overdrafts & Loans repayable

on demand
49,05,54,536
37,94,16,576
iii) Term Loans
96,40,87,415
1,47,71,80,831
89,96,13,072
1,47,71,80,831
TOTAL
1,29,84,05,738
1,29,84,05,738
B. Particulars of Advances :
i)
Secured by tangible assets

(including advances against Book Debts)
ii) Covered by Bank/ Government Guarantees

iii) Unsecured
1,03,54,21,382
95,51,96,035
7,88,38,452
9,49,37,869
3,62,920,997
1,47,71,80,831
24,82,71,834
1,47,71,80,831
TOTAL
1,29,84,05,738
1,29,84,05,738
C. Sectoral Classification of Advances

(I) Advances in India
i)
Priority Sector
ii) Public Sector

iii) Banks
iv) Others
38,69,26,254
40,34,31,346
9,76,03,765
9,86,81,204
7,49,653
1,74,388
99,19,01,159
TOTAL
(II) Advances outside India
1,47,71,80,831
79,61,18,800
1,29,84,05,738
1,47,71,80,831
1,29,84,05,738
SCHEDULE 10 : FIXED ASSETS

I.
Premises
( At cost / revalued cost )
Balance as at 31st March of the preceding year
Total
2,38,58,143
2,38,30,114
1,15,269
28,029
2,39,73,412
2,38,58,143
40,43,752
37,01,847
TOTAL. I
1,99,29,660
2,01,56,296
II. Other Fixed Assets

(Including furniture and fixtures)
At cost as on 31st March of the preceding year
Additions/Adjustments during the year
Total
Deductions/Adjustments during the year
Total
1,17,55,970
95,25,925
21,57,248
23,32,821
1,39,13,218
1,18,58,746
1,56,858
1,02,865
1,37,56,360
1,17,55,881
89,38,817
76,49,586
TOTAL. II
TOTAL. (I + II)
225
48,17,543
41,06,295
2,47,47,203
2,42,62,591

PARTICULARS
(000s Omitted)
AS AT 31-Mar-12
`
AS AT 31-Mar-11
`
SCHEDULE 11 : OTHER ASSETS

I.
Interest accrued
II. Tax paid in advance/tax deducted at source (Net

of Provisions)
III. Stationery and Stamps
1,26,78,895
1,07,81,681
2,34,71,741
2,29,68,263
1,31,680
1,23,474
29,46,039
1,53,11,880
2,54,04,721
2,91,89,586
IV. Non-banking assets acquired in satisfaction of

claims
V. Inter office adjutments (Net).
VI. Others
6,46,33,076
7,83,74,884
6,46,33,076
7,83,74,884
(a) Claims against the Bank not acknowledged

as Debts
15,56,441
18,15,342
(b) Disputed income tax demands under appeals,

revisions etc
1,42,45,860
60,16,360
5,78,649
41,64,74,984
28,80,54,433
TOTAL
SCHEDULE 12 : CONTINGENT LIABILITIES
I.
II. Liability for partly paid Investments

III. Liability on account of outstanding forward
exchange contracts
IV. Guarantees given on behalf of constituents
a) In India
b) Outside India
7,06,31,212
6,36,70,949
55,18,890
30,78,445
7,61,50,102
6,67,49,394
V. Acceptances Endorsements and Other Obligations
8,50,62,529
6,17,96,895
VI. Other items for which the bank is contingently

liable
6,36,338
87,13,140
59,41,26,254
43,37,24,213
TOTAL
226
Schedules Forming Part of the Consolidated Profit & Loss Account

for the Year Ended March 31, 2012
(000s omitted)
PARTICULARS
YEAR ENDED
31-Mar-12
`
YEAR ENDED
31-Mar-11
`
14,43,94,011
11,26,78,469
4,34,78,276
3,76,73,646
33,93,498
3,33,698
4,23,493
20,55,797
19,16,89,278
15,27,41,610
Commission, Exchange and Brokerage
66,61,523
62,05,058
II. Profit/ (Loss) on sale of Investments (Net)
32,00,628
31,19,229
III. Profit / (Loss) on Exchange transactions (Net)
18,68,242
5,60,926
(4,092)
(1,084)
23,560
15,545
23,43,863
24,95,232
1,40,93,724
1,23,94,906
SCHEDULE 13 : INTEREST AND DIVIDEND EARNED

I.
Interest/Discount on Advances / Bills
II. Income on Investments

III. Interest on balances with Reserve Bank of India and other inter-bank funds
IV. Others
TOTAL
SCHEDULE 14 : OTHER INCOME
I.
IV. Profit / (Loss) on sale of land, buildings and Other Assets

V. Profit / (Loss) on Revaluation of Investments
VI. Income earned by way of dividends etc. from subsidiaries and Associates
abroad/ in India
VII. Miscellaneous Income
TOTAL
SCHEDULE 15 : INTEREST EXPENDED
I.
12,99,49,040
9,06,49,962
II. Interest on Reserve Bank of India / Inter-Bank borrowings
Interest on Deposits
15,54,497
14,44,111
III. Others
83,56,962
68,81,587
13,98,60,499
9,89,75,660
TOTAL
SCHEDULE 16 : OPERATING EXPENSES
I.
2,50,90,425
2,96,57,952
II. Rent, Taxes and Lighting
Payments to and Provisions for employees
25,69,786
19,11,338
III. Printing and Stationery
2,65,484
2,16,097
IV. Advertisement and Publicity
3,53,376
9,70,075
14,36,879
11,87,836
9,678
12,955
VII. Auditors Fees and Expenses (including Branch Auditors, Fees & expenses)
2,05,578
2,25,706
VIII. Law Charges
1,19,151
1,50,716
V. Depreciation on Banks property

VI. Directors Fees, Allowances and Expenses
IX. Postages, Telegrams, Telephones etc.
3,95,197
3,54,066
X. Repairs and Maintenance
8,33,692
6,53,662
XI. Insurance
16,46,939
15,58,265
XII. Other Expenditure
46,30,822
31,50,551
3,75,57,007
4,00,49,219
TOTAL
227
Schedule 17 Significant Accounting Policies of Consolidated Accounts

1.
Basis of preparation:
The accompanying consolidated financial statements (CFS) have been prepared by following the going concern
concept, generally on the historical cost convention. They conform to Generally Accepted Accounting Principles
(GAAP) in India, which comprises applicable statutory provisions, guidelines prescribed by Reserve Bank of India
(RBI), Accounting Standards and pronouncements issued by the Institute of Chartered Accountants of India (ICAI)
and prevailing practices in Banking industry in India.
2.
Use of estimates:
The preparation of financial statements requires the management to make estimates and assumptions considered in
the reported amount of assets and liabilities (including contingent liabilities) as of date of the financial statements
and the reported income and expenses for the reporting period. Management believes that the estimates used in the
preparation of the financial statements are prudent and reasonable.
3.
Consolidation Procedure:
3.1
Consolidated financial statements of the Group (comprising 2 Subsidiaries and 8 Associates [including 7 RRBs])
have been prepared on the basis of:
3.2
4.
5.
5.1
a.
Audited financial statements of Central Bank of India (Parent)
b.
Line by line aggregation of like items of assets, liabilities, income and expenses of the subsidiaries with the
respective item of the Parent and after eliminating all material intra-group balances/transactions, unrealized
profit/losses as per Accounting Standard -21 Consolidated Financial Statements issued by the ICAI and after
adjustments wherever necessary to conform to uniform accounting policies of the Parent, based on data
received from these subsidiaries duly audited by their respective auditors.
c.
Investments in associates, where the group holds 20% or more of the voting power has been accounted for
using the equity method in terms of Accounting Standard 23 Accounting for Investments in Associates in
consolidated financial statements issued by the ICAI and after adjustments wherever necessary to conform
to uniform accounting policies of the Parent. The financial statements of the Indo Zambia Bank Limited, an
Associate, have been prepared in accordance with the local regulatory requirements / International Financial
Reporting Standards. Financial statements received from these associates form the sole basis for their
incorporation in these consolidated financial statements.
Minority interest in the net assets of consolidated subsidiaries consist of:

a.
The amount of equity attributable to the minority at the date on which investments in a subsidiary is
made, and
b.
The minority share of movements in equity since date of parent- subsidiary relationship came into
existence.
Transactions involving Foreign Exchange:

a.
Monetary Assets and Liabilities in Foreign Currencies are translated at the Exchange Rates prevailing at the
year end as notified by FEDAl and the resultant Profit/ Loss is recognised in Profit and Loss Account.
b.
Income and Expenditure items are translated at the exchange rates ruling on the respective date of transactions.
c.
Guarantees, Letters of Credit, Acceptances, Endorsements and other obligations in Foreign Currencies are
translated at year end rates notified by FEDAl.
d.
Outstanding Forward Contracts are translated at the year end rates notified by FEDAI and the resultant profit/
loss is recognized in Profit and Loss Account.
Investments:
In accordance with the guidelines issued by Reserve Bank of India, Investments are classified into Held to Maturity,
Held for Trading and Available for Sale categories. However, for disclosure in the Balance Sheet, investments are
classified under the following heads :
228
i)
ii)
iii)
iv)
v)
vi)
Other Approved Securities
Shares
Investments in Subsidiaries and sponsored institutions and
Others (UTI Shares, Commercial Papers and units of Mutual Funds)
5.2
Basis of Classification :
Classification of an Investment is done at the time of purchase into the following categories:
a.
Held to Maturity
These comprise of investments, the bank intends to hold on till maturity.
b.
Held for Trading
Securities which are principally held for resale within 90 days from the date of purchase.
c.
Available for Sale
Investments that cannot be classified in the above categories.
5.3
Transfer of Securities between categories :

The transfer/ shifting of securities between the three categories of investments are accounted at the lower of
acquisition cost/ book value or market value on the date of the transfer as per Reserve Bank of India guidelines.
The depreciation, if any, on such transfer is fully provided for.
5.4
Valuation :
a.
Held to Maturity :
Investments classified under this category are valued at acquisition cost. The excess of acquisition cost / book
value over the face value is amortised over the remaining period of maturity.
b.
Available for sale :

Investments under this category are marked to market, scrip-wise, at quarterly intervals as under:
i)
Central Government Securities
ii)
iv)
State Government Securities,

Securities Guaranteed by Central /
State Government, PSU Bonds
Treasury Bills/ Certificates of
Deposits/ Commercial Paper /
Investment in RRBs
Equity Share
v)
Preference Share
vi)
vii)
Mutual Fund
viii)
Venture Capital
iii)
At market price as published by Stock Exchange / FIMMDA /

PDAI.
On appropriate yield to maturity basis.
At carrying cost.
a) Quoted
b) Unquoted
At market price.
At book value per share, if latest (Not more
than one year old.) Balance Sheet is available,
or Re.1.00 per company if latest Balance Sheet
is not available.
a) Quoted
At market price.
b) Unquoted
On appropriate yield to maturity.
a) Quoted
At market price.
b) Unquoted
On appropriate yield to maturity.
a) Quoted
At market price.
b) Unquoted
At repurchase price or Net Asset Value (where
repurchase price is not available).
Declared NAV or break up NAV as per audited balance sheet
which is not more than 18 months old. If NAV/ audited
financials are not available for more than 18 months
continuously then at Re.1/- per VCF.
The net depreciation under each classification is provided for, without adjusting the book value of the
securities and net appreciation, if any, is ignored.
229
c.
Held for Trading :

Investments under this category are valued at monthly intervals at market rates, wherever available, or as
per the prices declared by FIMMDA. The net depreciation under each classification is provided for, without
adjusting the book value of the securities and net appreciation, if any, is ignored.
d.
5.5
In case of subsidiaries, the investments are considered at cost.
Determination of Cost :
Cost of investments is determined on the basis of Weighted Average Cost method.
5.6
6.
Income Recognition :
a.
The Profit or loss on sale/ redemption of investments is taken to the Profit and Loss Account. However, in
case of profit on sale/ redemption of investments from Held to Maturity category, an equivalent amount is
appropriated to the Capital Reserve.
b.
In respect of securities included in any of the three categories of investments where interest/ principal is
in arrears, for more than 90 days, income is not reckoned and appropriate provision for the depreciation
in the value of the investments is made, as per prudential norms applicable to non-performing advances.
Debentures/ Bonds in the nature of advances are subjected to usual prudential norms applicable to advances.
c.
State Government guaranteed exposures are classified as Sub Standard/ Doubtful/ Loss, as the case may be,
if interest and/ or principal or any other amount due to the Bank remains overdue for more than 90 days,
necessary provisions are made as per Prudential Norms.
d.
Brokerage, incentive, front-end fees etc., received on purchase of securities are reduced from the cost of
investments.
e.
Expenses such as brokerage, fees, commission or taxes incurred at the time of acquisition of securities are
charged to revenue.
f.
The broken period interest on sale or purchase of securities is treated as revenue item.
Derivatives :
Derivatives used for hedging are accounted as under:
7.
a.
Marked to market in cases where the underlying Assets/ Liabilities are marked to market. The resultant gain/
loss is recognised in the Profit & Loss Account.
b.
Interest Rate Swaps, which hedges interest bearing assets or liabilities are accounted for on accrual basis in
cases where underlying Asset/ Liabilities are not marked to market.
c.
Gains or losses on the termination of Swaps are recognised over the shorter of the remaining contractual life
of the Swap or the remaining life of the assets/ liabilities.
Advances:
a.
Advances are classified as Standard, Sub-Standard, Doubtful or Loss Assets and Provisions required in respect
thereof are made as per the Prudential Norms prescribed by the Reserve Bank of India.
b.
Recoveries against Non-performing Assets (NPA) are first appropriated towards interest. However, recovery in
suit filed, decreed accounts and compromise cases, is first appropriated towards principal or as per the terms
of decree/ settlement.
c.
Advances are shown net of provisions (in case of NPA), Unrealised Interest and amount recovered from
borrowers held in Sundries and amount recovered from CGTSI/ ECGC.
Provision for Standard Assets is included in Other Liabilities and Provisions- Others.
d.
Financial Assets sold are recognized as under:

In case the sale is at a price lower than the Net Book Value (NBV) the shortfall is charged to the Profit and Loss
Account.
230
In case the sale is at a price higher than the NBV, the surplus provision is retained to meet shortfall/loss on
account of sale of other non-performing financial assets.
8.
e.
In case of Cent Bank Home Finance Limited, Income Recognition and Provisions on Loans & Advances are made
on the basis of prudential norms laid down by National Housing Bank [NHB].
f.
In case of Cent Bank Home Finance Limited, repayment of housing loans, home equity loans, top-up loans
and loan against property are by way of Equated Monthly Installments (EMIs) comprising of principal and
interest. In respect of Fixed Rate loans, interest is calculated on the outstanding balance at the beginning of
the financial year; in case of floating rate loans, interest is calculated on 1st of every month on the outstanding
amount as on the last date of the previous month. EMIs commences once the entire loan is disbursed. Pending
commencement of EMIs, Pre-EMI interest is payable every month.
Fixed Assets/Depreciation:
a.
Fixed Assets (other than computers which are depreciated on Straight Line Method) are depreciated
under Written Down Value Method at the following rates:
i)
Premises
ii)
Furniture, Lifts, Safe Vaults
At varying rates based on estimated life

10%
iii)
Vehicles
20%
iv)
Air conditioners, Coolers, Typewriters etc.
15%
v)
Computers including Systems Software
33.33%
(Application Software is charged to the Revenue during the year of acquisition)
9.
10.
b.
In the case of assets, which have been revalued, the depreciation is provided on the revalued amount and the
incremental depreciation attributable to the revalued amount is adjusted to the Revaluation Reserve.
c.
Depreciation on additions to assets, made upto 30th September is provided for the full year and on additions
made thereafter, is provided for the half year. No depreciation is provided on assets sold before 30th
September and depreciation is provided for the half year for assets sold after 30th September.
d.
Cost of leasehold land is amortised over the period of lease. In the case of revaluation, the difference
between the original cost and revalued amount is amortised over the remaining period of the lease and is
adjusted to the Revaluation Reserve.
e.
Where it is not possible to segregate the cost of Land and Premises, depreciation is charged on the composite
cost.
f.
In case of Subsidiaries depreciation on fixed assets has been provided on straight line method at the rates
specified in Schedule XIV to the Companies Act, 1956.
Staff Benefits:
a.
Annual contribution to Gratuity and Pension Funds are determined on the basis of actuarial valuation. The
contribution to Pension Fund is made under a defined benefit scheme.
b.
The liability for earned leave is provided for on the basis of actuarial valuation.
c.
In respect of employees who have opted for Provident Fund Scheme, a matching contribution is made.
d.
The Bank recognizes in its Books of Accounts, the liability arising out of Employee Benefits, as the sum of the
present value of obligations, as reduced by fair value of Plan Assets on the Balance Sheet.
e.
In case of Cent Bank Home Finance Ltd. gratuity amount has been provided on actuarial basis and invested in
Group Maturity Scheme of the Life Insurance Corporation of India.
Recognition of Income and Expenditure:

a.
Income/ Expenditure are generally accounted for on accrual basis unless otherwise stated.
b.
Income on NPA is recognized on realization as per the Prudential Norms prescribed by the Reserve Bank of
India.
231
11.
c.
In accordance with the guidelines issued by the Reserve Bank of India, prior period disclosures are made in
respect of any item which exceeds one percent of the total income/total expenditure.
d.
Provision for interest payable on overdue deposits is made as per Reserve Bank of India guidelines.
e.
Commission (excluding on Government Business), exchange, locker rent and insurance claims are accounted for
on realization/ settlement.
f.
Expenses for Share Issue are amortized over a period of 5 years on quarterly basis.
Income Tax:
The provision for tax for the year comprises of current tax liability computed in accordance with the applicable tax
laws and the deferred tax which recognizes, timing differences between taxable income and accounting income
that originate in one period and capable of reversal in one or more subsequent periods. Deferred tax assets are not
recognized unless there is virtual certainty that sufficient future taxable income will be available against which such
deferred tax assets will be realized.
12.
Earning per share:

The Parent Bank computes basic and diluted earnings per equity share in accordance with the Accounting Standard
20 issued by I.C.A.I. on weighted average method.
232
Schedule 18 - Notes Forming Part of the Consolidated Accounts:

1.
Subsidiaries and Associates considered in the preparation of the Consolidated financial statements.
The Consolidated Financial Statements comprise the financial statements of Central Bank of India (The Parent
Bank), its two Subsidiaries and Associates consisting of 7 Regional Rural Banks (RRBs) sponsored by the Parent Bank
and Indo Zambia Bank Limited (collectively referred to as the Group) as per details given below :
Name of the Subsidiary/Associate
Country of
Incorporation
Ownership interest
as at March 31, 2012
Ownership interest
as at March 31, 2011
Centbank Home Finance Limited (Subsidiary)

[CBHF]
India
59.50%
59.50%
Centbank Financial Services Limited

(Subsidiary)
India
100.00%
100.00%
Satpura Narmada Kshetriya Gramin Bank,

Chhindwara (Associate)
India
35.00%
35.00%

(Associate)
India
35.00%
35.00%

(Associate)
India
35.00%
35.00%

(Associate)
India
35.00%
35.00%

(Associate)
India
35.00%
35.00%

(Associate)
India
35.00%
35.00%
Uttarbanga Kshetriya Gramin Bank, Cooch

Behar (Associate)
India
35.00%
35.00%
Zambia
20.00%
20.00%
Indo Zambia Bank Limited (Associate)
The financial statements of the Subsidiaries and Associates which are used in the consolidation have been drawn
upto the same reporting date as that of Parent i.e. March 31, 2012.
2.
In the preparation of consolidated financial statements, in some of the cases, different accounting policies for like
transactions have been followed in respect of subsidiaries, for which appropriate adjustments have not been made
in the absence of necessary information. In the opinion of the Management the same is not material. Items in respect
of which different accounting policies have been adopted by the Subsidiaries vis-a-vis the parent Bank are given as
under:
Particulars
Parent Bank
Cent Bank Home Finance

Ltd [Sub]
Cent Bank Financial

Services Ltd (Sub)
Depreciation
Bank followed written

down value method except
for computers where
straight line method is
adopted.
Depreciation is applied
based on straight line
method. Depreciation
charged ` 8.86 lacs
Depreciation is applied
based on straight line
method. Depreciation
charged ` 6.30 lacs.
Provision for leave

encashment
On actuarial basis
Assessed by the Company ` 3.03 lacs.
Applicable from next year
3.
PARENT BANK
3.1
Capital:
3.1.1 The Authorized Capital of the Bank is ` 3000 crore.
233
The paid-up Capital of the Bank is ` 2353.11 crore increased from ` 2021.14 crore by issue of equity shares by way
of Rights issue to the tune of ` 242.46 crores to the existing share holders at a premium of ` 93/- per share, which
was allotted to the share holders in April 2011. Further, the Bank raised equity by way of Preferential Issue of Equity
Shares to Government of India and Life Insurance Corporation of India on March 31, 2012 to the tune of ` 89.51 crore
at a premium of ` 95.61 per share.
3.1.2 Subordinated Debt:
During the year, Bank has raised ` 500 crore by issue of Unsecured Redeemable Bonds under Tier II Capital (Subordinate
Debt) taking the balance to ` 2637.30 crore (Previous Year ` 2137.30 crore) and Upper Tier II Bonds stands at ` 2885.00
crore (Previous Year ` 2885.00 crore)
3.2
Balancing of Books / Reconciliation:

The reconciliation of the following items is in progress :
- Inter Branch/Office Balance
- Accounts for Govt. transactions (Central & State)
- Inter Bank Accounts
- System Suspense Account
- Suspense Account
- Clearing & other Adjustment Accounts
- Balances related to ATM
- Certain balances in nominal account
The management is of the opinion that the overall impact, if any, on the accounts will not be significant.
3.3
Income Tax / Deferred Tax:
3.3.1 Provision for Income Tax for the year is arrived at after due consideration of relevant statutory provisions and judicial
decisions on disputed issues, net of reversal of excess provision of earlier years ` 112.38 crore.
3.3.2 Other Assets [Schedule 11 (ii)] includes ` 1424.58 crore (previous year ` 601.64 crore) towards disputed Income Tax
paid by the Bank or adjusted by the Income Tax department. Provision for disputed amount of taxation is not
considered necessary by the Bank in respect of above disputed demands based on various judicial decisions/ counsels
opinion on such disputed issues.
3.3.3 Out of ` 1424.58 crore of tax paid under dispute, disputes relating to various Assessment Years, involving tax element
of ` 4.82 crore have been decided by the Appellate authorities in favour of the Bank. The appeal effect for the same
is pending.
3.4
Share Issue Expenses:

Unamortized amount of ` 1.31 crore (Previous Year ` 6.72 crore) towards share issue expenses are included in Other
Assets.
3.5
Premises:
3.5.1 The premises of the Bank were revalued during financial year 2007-08 to reflect the market value as at
March 31, 2008. The appreciation amounting to ` 1565.97 crore is included in Revaluation Reserve Account.
3.5.2 Premises owned by the Bank include properties costing ` 9.95 crore (Previous Year ` 12.21 crore) revalued at ` 122.31
crore (Previous Year ` 198.46 crore) for which registration formalities are still in progress.
3.6
Advances / Provisions:
3.6.1 Advances to units which have become sick including those under nursing/ rehabilitation/ restructuring programme
and other advances classified as doubtful/ loss assets have been considered secured/ recoverable to the extent of
estimated realizable value of securities carrying first or second charge based on valuers assessment of properties/
assets mortgaged to the Bank and other data available with the Bank.
3.6.2 In the current year, in accordance with the guidelines issued by Reserve Bank of India, the Bank has netted the
Floating Provision amounting to ` 312.42 crore (previous year ` 312.42 crore) from Gross NPAs to arrive at Net NPAs.
234
3.6.3 Advances considered good and secured includes investment of ` 3000 crore (Previous Year ` 2000 crore) in IBPCs
(Inter Bank Participation Certificate) governed by the Uniform Code Governing Inter Bank Participations issued by
IBA (Non Priority Sector) and investment in IBPCs issued by RRBs aggregating ` 2080 crore (Previous Year ` 1440 crore)
of Priority Sector Advance/ Direct Agriculture.
4.
Compliance with Accounting Standards

The following information is disclosed in terms of Accounting Standards issued by The Institute of Chartered
Accountants of India:
4.1
Accounting Standard 9
Certain items of income are recognized on realization basis as per principal accounting policy No. 10. However, the
said income is not considered to be material.
4.2
Accounting Standard 15 (Revised) Parent Bank
4.2.1 In previous year, 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 ` 1181.53 crore as on 1st April, 2011, the Bank has amortized ` 239.98 crore for Pension
and ` 55.40 crore for Gratuity being proportionate amount during the year ended March 31, 2012. The balance
amount to be amortized in future periods for Pension is ` 719.95 crore and for Gratuity is ` 166.20 crore. Had such
an accounting treatment not been approved by the RBI, the profit of the bank would have been lower by ` 886.15
crore pursuant to application of the requirements of AS-15.
4.2.2 Employee Benefits Parent Bank
Reconciliation of opening and closing balance of the present value of the defined benefit obligation for pension and
gratuity benefits as per actuarial valuations is given below:
(` in crore)
Particulars
Year ended March 31, 2012

Pension
Gratuity
Defined benefit obligation liability at

March 31, 2012
Opening obligations
Service cost
Interest cost
Benefits paid
Liability Transferred in
Obligations at March 31,2012
5997.12
125.72
498.13
441.59
(525.00)
6537.56
1047.34
39.70
83.24
(63.58)
(215.48)
891.22

Pension
Gratuity
2856.49
70.54
222.98
335.48
(279.44)
1199.91
569.62
1021.54
5997.12
751.89
40.78
58.39
44.95
(125.67)
277.00
--1047.34
(` in Crore)
Particulars

Pension
Gratuity

Opening Plans assets, at fair value
Actuarial gain/[loss]
Contributions
Benefits paid
Transfer from Other Trust
4228.00
413.53
29.25
1203.61
(525.00)
5349.39
235
832.89
72.41
(14.29)
180.00
(215.48)
855.53

Pension
Gratuity
2269.03
257.54
(130.67)
1090.00
(279.44)
1021.54
4228.00
808.40
65.25
14.91
70.00
(125.67)
-832.89
(` in Crore)
Particulars
Year ended March 31,

2012
Pension
Gratuity
Cost for the year ended March 31, 2012

Service cost
Interest cost
Net cost
125.72
498.13
(413.53)
240.00
412.34
862.66

2011
Pension
Gratuity
39.70
83.24
(72.41)
55.40
(49.29)
56.64
70.54
222.98
(257.54)
239.98
569.62
466.15
1311.73
40.78
58.39
(65.25)
55.40
-30.04
119.36
Assumptions
Particulars
Interest rate
Salary escalation rate
Estimated rate of return on plan assets

2012
Pension
Gratuity
8%
8%
4%
4%
8%
8%

2011
Pension
Gratuity
8%
8%
4%
4%
8%
8%
4.2.3 The CBHF Ltd has taken a Policy with Life Insurance Corporation of India to cover the accumulated Gratuity Liability
of its employees and the premium paid on this policy has been charged to Profit & Loss Account. The Provision for
Leave Encashment Liability is calculated on the balance of privilege leave of the employees as on March 31, 2012.
4.3
Accounting Standard 17 Segment Reporting

SEGMENT REPORT FOR THE YEAR ENDED MARCH 31, 2012
(` in Lacs)
Sl.
No.
a.
b.
c.
d.
e.
f.
g.
Particulars
Year ended 31.03.12 Year ended 31.03.11

(Audited)
(Audited)
Segment Revenue
1. Treasury Operations
2. Retail Banking Operations
3. Wholesale Banking Operations
4. Other Banking Operations
5. Unallocated
Total
Segment Results
Total
Unallocated Income/ (Expenses )
Operating Profit
Provisions & Contingencies
Income Tax
Net Profit
236
496407
469530
1092507
2078
4004
2064526
264456
538433
829577
3383
20177
1656026
265688
7574
11008
2078
286348
4004
290352
216957
12058
61337
160895
20487
47412
1498
230292
20177
250469
93223
41109
116137
Sl.
No.
h.
i.
Particulars
Other Information
Segment Assets
5. Unallocated Assets
Total
Segment Liabilities
5. Unallocated Liabilities
Total
j.
4.4
Year ended 31.03.12 Year ended 31.03.11

(Audited)
(Audited)
2674274
5766990
14341066
0
235298
23017628
2534145
5251988
12974138
1774
235304
20997349
7373961
4109690
10219774
0
1314203
23017628
3305900
4647783
11923613
1268
1118785
20997349
i)
As per the revised guidelines of Reserve Bank of India, the Group has recognized Treasury Operations, Corporate/
Wholesale Banking, Retail Banking and other Banking business as primary reporting segments. There are no
secondary reporting segments.
ii)
Treasury Operations include dealing in Government and Other Securities, Money Market operations and Forex
operations.
iii)
The Retail Banking Segment consists of all exposures upto a limit of ` 5 crore (including Fund Based and Non
Fund Based exposures) subject to orientation, product, granularity criteria and individual exposures.
iv)
The Corporate/ Wholesale Segment consist of all advances to Trusts/ Partnership Firms, Companies and statutory
bodies, which are not included under Retail Banking.
v)
The other Banking Segment includes all other Banking operations not covered under the above three categories.
vi)
General Banking operations are the main resource mobilizing unit and Treasury Segment compensates the
former for funds lent to it by taking into consideration the average funds used.
vii)
Allocation of Costs:
a
Expenses directly attributable to a particular segment are allocated to the relative segment.
Expenses not directly attributable to a specific segment are allocated in proportion to the funds employed.
Accounting Standard 18 Related Party Disclosure:

I.
List of Related Parties - Parent Bank

(a)
i)
ii)
iii)
iv)
(b)
Key Managerial Personnel Name

Mr. S. Sridhar (till 31.05.2011)
Mr. M. V. Tanksale (from 29.06.2011)
Mrs. V. R. Iyer
Mr. R. K. Dubey
Designation
Executive Director
Executive Director
Subsidiaries
i)
Cent Bank Home Finance Ltd.
ii)
Cent Bank Financial Services Ltd.
237
(c)
(I)
i)
ii)
iii)
iv)
v)
vi)
vii)
(II)
II.
Associates
Regional Rural Banks Satpura Narmada Kshetriya Gramin Bank, Chhindwara
Uttarbanga Kshetriya Gramin Bank, Cooch Behar
Indo Zambia Bank Ltd.
Transactions with Related Parties:

(` in lacs)
(a)
Items
Key Management Personnel

2011 -2012
2010-2011
66.50
58.14
Remuneration paid
(b) Statement of Related Parties Transaction
(` in crore)
S.
No.
Related
Parties
As on
Investment
Cumulative
Purchase of Loan
Assets
Sale of Loan
Assets
Line of credit
to RRBs
Participation under IBPC
Maxi- Amt O/s Interest Amount Interest Amt Interest Purchase of Dimum
ReSold
Paid
rerect Agri. Assets
during
ceived
ceived by Sponsor Bank
the
year
Amt.
Intt.
O/s
Recd. by
Sponsor
Bank
Sale of Non
Priority Sector
Portfolio by
Sponsor Bank
Amt.
O/s
Intt.
Paid by
Sponsor
Bank
1 Satpura
Narmada
KGB
31.03.12
34.64
34.64
0.00
0.00
0.00
0.00
0.00
0.00
380.00
7.40 380.00
8.51
31.03.11
27.64
27.64
0.00
6.63
0.00
6.63 200.23
5.67
150.00
0.00 150.00
0.00
2 Surguja
KGB
31.03.12
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
80.00
2.22
80.00
2.55
31.03.11
2.57
2.57
0.00
0.00
0.00
0.00
0.00
0.00
45.00
0.00
45.00
0.00
3 Uttar Bihar 31.03.12 159.09 159.09

GB
31.03.11 159.09 159.09
0.00
0.00
0.00
0.00
-0.04
2.62 1160.00
41.92 1160.00
48.21
0.00
13.44
0.00
0.00 326.11
2.74
850.00
0.00 850.00
0.00
50.29
2.07
130.00
4.93 130.00
5.67
100.00
0.00 100.00
0.00
5.42
4 Vidharbha
KGB
31.03.12
6.22
6.22
31.03.11
6.22
6.22
5 Ballia
31.03.12
Etawah GB
31.03.11
11.72
11.72
11.72
11.72
6 Hadoti KGB 31.03.12
2.45
2.45
31.03.11
2.45
2.45
7 Uttarbanga 31.03.12
KGB
31.03.11
20.58
20.57
20.58
20.58
0.00
0.00
0.00
0.00
31.03.12 237.27 237.27
31.03.11 230.27 230.27
0.00
20.07
TOTAL
0.00
0.00
0.00
0.00 50.00
0.10
0
110
110
6.24
0.00
0.00
0.00
0.00
0.00
110.00
0.00 110.00
0.00
185.00
7.89 185.00
9.07
0.00 160.00
0.00
0.00
0.00
0.00
0.00
0.00
160.00
35
1.23
35
1.42
0.00
0.00
25.00
0.00
25.00
0.00
0 50.29
4.69
2080
71.01
2080
81.67
0.00
0.00 576.34
0.00 1440.00
0.00
238
0.00
0.00
8.51 1440.00
(c)
During the financial year 2011-12, dividend of ` 57.10 lacs has been received by Parent Bank from Indo
Zambia Bank Ltd. (Associate) relating to the financial year 2010-11.
4.5. Accounting Standard 20 Earnings per Share of the Group

Earnings per share as per AS 20 has been arrived at as follows:
31.3.2012
31.3.2011
463.92
1175.64
644194814
404141460
Basic Earnings per Share (` )
7.20
25.43*
Diluted Earnings per Share (` )
7.20
25.43*
10
10
Net Profit after Tax available for Equity Share Holder (` in Crore)
Weighted Average number of Equity Share (No.)
Nominal Value per Share (` )
*Restated consequent to Right issue of equity shares in April 2011 as per Accounting Standard 20.
4.6
Accounting Standard 22 Accounting for Taxes on Income (of the Group)

The Bank has recognized Deferred Tax Assets/ Liabilities.
Major components of Deferred Tax Assets and Deferred Tax Liabilities are as under:
(` in Crore)
Deferred Tax Asset:

Provision for Leave Encashment
Provision for Pension and Gratuity
Others
Total (A):
Deferred Tax Liabilities:
Interest accrued but not due on Investments
Depreciation on Investments
Total (B):
Net Deferred Tax Liability
4.7
31.3.2012
31.3.2011
84.41
145.29
23.71
6.24
259.65
71.80
301.54
--373.34
0.24
411.28
303.33
714.85
455.20
20.04
353.41
146.38
519.83
146.49
Accounting Standard 28 Impairment of Assets

A substantial portion of Banks assets comprise financial assets to which Accounting Standard-28 on impairment of
assets is not applicable. In the opinion of the management, there is no material impairment on Other Assets other
than financial assets as at March 31, 2012, requiring recognition in terms of the Standard.
4.8
Accounting Standard 29 - Provisions, Contingent Liabilities and Contingent Assets [Parent Bank]
i)
Movement of Provision:
(` in Crore)
Particulars
Contingencies Provisions
against claim not
acknowledged as debt
Opening
Balance as on
01.04.2011
3.83
239
Provision made
during the year
0.07
Provisions
reversed/
adjusted
Closing Balance
as on 31.3.2012
--
3.90
5.
As per the information compiled by the Management, the Vendors, whose services are utilized and from whom
purchases were made by the Bank, are not registered under Micro, Small and Medium Enterprises Development Act,
2006. This is relied upon by the Auditors.
6.
Previous year figures have been re-grouped/ re-classified wherever considered necessary to conform to current years
classification
M. V. Tanksale
V. R. Iyer
R. K. Dubey
Executive Director
Executive Director
Alok Tandon
Salim Gangadharan
Romesh Sabharwal
Director
Director
Director
Director
Guman Singh
N. Balakrishnan
Brijlal Kshatriya
B. S. Rambabu
Director
Director
Director
Director

F.R.No. 003510S
Patner
M. No.202352
F.R.No. 100186W
(Ca Santanu Ghosh)
Partner
M. No.050927

F.R.No. 000257N
(CA Sunil Aggarwal)
Partner
M.No.083899
For M/s. Ghiya & Co
F.R.No. 001088C
(CA G.P.Gupta)
Partner
M.No.075000
Place : Mumbai
Date : May 24, 2012
240

F.R.No.-003073S
(CA B. Ramani)
Partner
M. No.019603
F.R.No. 003708N
(CA Milan Shrimali)
Partner
M.No.088578
Consolidated Cash Flow Statement for the Year Ended March 31, 2012
(` In Crore)
Sn
Particulars
CASH FLOW FROM OPERATING ACTIVITIES

Net Profit before taxes
Depreciation on investments (including on matured debentures)

Bad Debts written off/Provision in respect of non performing assets
Provision for Standard Assets
Provision for Other items (Net)
Interest on Income Tax (Net)
Profit / Loss on sale of fixed assets (Net)
Dividend income from Subsidiaries (Considered Separately)
Payment/ provision for interest on subordinated debt (treated separately)
Sub total
Increase / (Decrease) in Borrowings

Increase / (Decrease) in Other Liabilities and Provisions
1,640.63
143.69
118.78
153.72
150.98
1,376.26
631.79
641.87
106.14
1.05
43.31
43.00
0.41
(0.11)
(2.36)
(1.55)
522.54
470.99
3,547.18
3,160.95
16,856.77
17,248.70
(468.38)
4,531.34
1,564.86
215.94
(19,895.64)
(24,378.04)
(Increase) / Decrease in Investments
(4,884.93)
(3,942.88)
(Increase) / Decrease in Other Assets
1,322.78
(2,560.50)
(Increase) / Decrease in Advances
Direct Taxes paid (Net of Refund etc)
(113.32)
(639.64)
Net Cash from operating activities (A)
(5,617.85)
(9,525.08)
NET CASH FLOW FROM OPERATING ACTIVITIES
(2,070.68)
(6,364.13)
CASH FLOW FROM INVESTING ACTIVITIES

Sale / Disposal of Fixed Assets
Purchase of Fixed Assets
Investment in RRB
Dividend received from Subsidiaries
NET CASH FLOW FROM INVESTING ACTIVITIES
666.99
Adjustments for :
Increase / (Decrease) in Deposits
31-03-2011
Adjustments for:
Depreciation on fixed assets
II
31- 03- 2012
3.28
1.27
(227.33)
(235.54)
(7.00)
2.36
1.55
(228.69)
(232.71)
1,417.01
250.00
2,025.68
CASH FLOW FROM FINANCING ACTIVITIES

Share Capital
Proceeds / Redemption of Subordinated Debts Tier II Capital
Dividend - Equity shares Inculding Interim Dividend
Dividend Tax
Interest on JNY Swap coupon
500.00
1,030.00
(211.86)
(143.10)
(34.37)
(24.15)
(5.18)
(4.98)
Interest on Subordinated Debt
(522.54)
(470.99)
NET CASH FLOW FROM FINANCING ACTIVITIES
1,143.06
2,662.47
241
Sn
Particulars
Net increase in cash & cash equivalents (A + B + C) or (F - E)
CASH AND CASH EQUIVALENTS AT THE BEGINNING OF THE YEAR

Net cash and cash equivalents at the beginning of the year
31- 03- 2012
31-03-2011
(1,156.31)
(3,934.38)
14,082.11
17,012.08
1,200.87
2,205.28
15,282.98
19,217.36
13,114.25
14,082.11
1,012.42
1,200.87
14,126.67
15,282.98
CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR

Net cash and cash equivalents at the end of the year
M. V. Tanksale
V. R. Iyer
R. K. Dubey
Executive Director
Executive Director
Alok Tandon
Salim Gangadharan
Romesh Sabharwal
Director
Director
Director
Director
Guman Singh
N. Balakrishnan
Brijlal Kshatriya
B. S. Rambabu
Director
Director
Director
Director
F.R.No. 003510S
Patner
M. No.202352
F.R.No. 100186W
(Ca Santanu Ghosh)
Partner
M. No.050927

F.R.No. 000257N
(CA Sunil Aggarwal)
Partner
M.No.083899
For M/s. Ghiya & Co
F.R.No. 001088C
(CA G.P.Gupta)
Partner
M.No.075000
Place : Mumbai
Date : May 24, 2012
242

F.R.No.-003073S
(CA B. Ramani)
Partner
M. No.019603
F.R.No. 003708N
(CA Milan Shrimali)
Partner
M.No.088578

Head Office : Chandermukhi, Nariman Point, Mumbai 400021
FORM B
PROXY FORM
(To be filled in and signed by the shareholder)
5th Annual General Meeting
Folio 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 5TH ANNUAL GENERAL
MEETING of the shareholders of CENTRAL BANK OF INDIA to be held on Wednesday, 27th June, 2012, at 04.00 PM 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.
Please
Affix fifteen
paise
Revenue
Stamp
Signed this __________ day of ___________ 2012

Signature of Proxy _________________________
Name _____________________________________
(in Block Letters)
Signature of first named/Sole Shareholder
Address _________________________________________
_________________________________________
INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM

1.
2.
3.
4.
5.
6.
7.
8.
9.
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.
An instrument of Proxy shall be suffuiciently 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 SubRegistrar of Assurance or other Government Gazetted Officer or an officer of Central Bank of India.
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 22nd June, 2012, 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.
An instrument of Proxy deposited with the Bank shall be irrevocable and final.
In the case of an instrument of Proxy granted in favour of of two grantees in the alternative, not more than one form
shall be executed.
The shareholders who has executed an instrument of Proxy shall not be entitled to vote in person at the meeting to
which such instrument relates.
No person shall be appointed a duly authorised representative or a proxy who is an officer or an employee of the Bank.
All alterations in the Proxy Form should be duly initialed by the executant.
No instrument of Proxy shall be valid unless it is in Form B.
243

Head Office : Chandermukhi, Nariman Point, Mumbai 400021
ATTENDANCE SLIP
5TH Annual General Meeting - 27th June, 2012
Date
27th June, 2012
Place
Sir Sorabji Pochkhanwala Banker's Training College, Nr

Cooper Hospital/Reliance Energy Office, JVPD Scheme,
Vile Parle(West), Mumbai - 400 056
Name of the Member (In Block Letters)

No. of Shares
Folio No. or DP ID # / Client ID #
Name of the Proxy-holder/Representative Present in
Block Letters (if any)
Signature of the Member/Proxy/Representative Present
Entry Pass
(To be retained throughout the meeting)
Folio No. or DP ID # /Client ID #

Name of the Member
No. of Shares
Name and Signature of attending Member/

proxy/ Representative Present
Bank Stamp and Signature
Shareholders/Proxy holders/Representatives are requested to produce this Attendance-slip-cum-Entry pass duly signed, for
admission to the venue. The Entry pass portion will be handed back to the shareholders/Proxy holders/Representatives,
who should retain it till the conclusion of the meeting. The admission will, however, be subject to verification/checks, as
may be deemed necessary. Under no circumstances, any duplicate Attendance slip-cum-Entry pass will be issued at the
entrance to the meeting hall.
244

, 2521342
2674020/22/40
/2572508/2559698
2704787
2700647
23464210 - 214
23464200
2jer cebefpeue
2nd floor
23468911 - 18
23468902
ksr
Koti
, 2626301
26132401/4075490
(022) - 40345858
40345828, 40345819
Hees&,
Fort,
2251855
2251784
62/63
LIC Square,
SueDeeemeer mkeJesej
23318964, 23319268/69
23324676, 2311803
23311332, 23712677
07, 2222871
to
4045239
245
246
Notes
247
Notes
248
veee meeFvespe - ieefleMeeruelee kee Heleerke
nceejs yeQke kes vees meeFvespe ceW Gmekes JeemleefJeke mJeHe kes meeLe-meeLe Jele&ceeve HeesHeeFue Peuekeleer nw. meeFvespe
ceW veeruee jbie, Meebefle SJeb efmLejlee kees oMee&lee nQ. ueeue jbie keer efveeueer Heer, Gpe&mJeer efJeeej SJeb mekeejelceke
keee&Heefle kee Heleerke nw. kegue efceueekej, Jes ye[er kegMeueleeHetJe&ke Yeejle kes meJee&efOeke Ssefleneefmeke yeQkeeW keer esCeer
ces Deeves Jeeues nceejs yeQke keer HeieefleMeerue keee&veerefle SJeb DeeOegefveke ef<keesCe kees Gpeeiej kejles nQ. DeHeves efJeeceeve
ùeesiees' kes meeLe meeFvespe kes es vees jbie Fme leLe kee eLeeLe& efe$eCe kejles nQ efke nce DeHeves Hegjeves cetueeW kes meeLe
Deeies ye{ jns nQ. Deewj meeLe ner, Ske meefkee leLee mecekeeueerve mebmLee keer efJe Yeer Hemlegle kejles nQ.
The new signage - a signature of Dynamism

The new signage of the bank projects its true character and present day profile.
The Blue colour in the signage denotes peace and stability. The bottom strip in
red stands for vibrant thought and positive action. Together, they aptly bring
forth the forward-looking approach and new-age outlook of one of India's most
historic banks. The new colours of the signage together with the existing logo is
an apt depiction of carrying forward the old values yet presenting the image of a
dynamic and contemporary organization.
www.sapprints.com

Central Bank of India-Annual Report 2011-12

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Central Bank of India-Annual Report 2011-12

Uploaded by

Copyright:

Available Formats

meHeuelee kes meesHeeve

The logo captures the personality of an organization

THE MARK OF SUCCESS

yeQke keer Heneeve oMee&ves Jeeues Deeee#ejeW kees efeef$ele

`ueesiees' kees veee yeveeee ieee, efpememes Deewj DeefOeke

Jeeef<e&ke efjHees& 2011-12

DeOe#e SJeb HeyebOe efveosMeke kee mebosMe

Jeeef<e&ke efjHees& 2011-12

Heefjeeueve ueeYe (` kejes[ ceW)

eer ceesnve Jeer. ebkemeeues

ces. meeiej SC[ DemeesefMeSdme

jefpem^ej SC[ Mesej ^ebmeHej Spesvdme

efuebke FveeFce Fbef[ee Hee. efue.

yeQke kes meeLe he$eeeej kejves kes efueS helee

kebheveer meefeJe / SpeerSce SJeb Devegheeueve DeefOekeejer

REGISTRAR AND SHARE TRANSFER AGENTS

ADDRESS FOR CORRESPONDENCE WITH THE BANK

Jeeef<e&ke efjHees& 2011-12

mesv^ue yeQke Dee@He Fbef[ee

HeOeeve keeee&uee, ebojcegKeer, vejerceve Hee@Fb, cegbyeF& - 400 021

hee@kemeer keer efveegefe:

Jeeef<e&ke efjHees& 2011-12

efveosMeke efjHees& 2011-12

Deee SJeb Jee

Jeeef<e&ke efjHees& 2011-12

peceeDeesb keer ueeiele

yeepe Deee-Deewmele keee&Meerue efveefOe (S[yuetSHe) DevegHeele

Hetbpeer-peesefKece Yeeefjle Deeefmle DevegHeele (meerDeejSDeej)

Meg ueeYe SJeb ueeYeebMe

Jee& kes oewjeve efveosMeke ceb[ue ceW HeefjJele&ve

efveosMekeeW kes oeefelJe mebyebOeer efJeJejCe :

Jeeef<e&ke efjHees& 2011-12

HeyebOeleb$e efJeeej-efJeceMe& leLee efJeMues<eCe

$eCe efveiejeveer efJeYeeie

Jeeef<e&ke efjHees& 2011-12

mJeeb meneelee mecetn

$eCe jenle eespevee

kes oewjeve mebefJelejCe

kecepeesj JeieeX kees Deefiece

Jeeef<e&ke efjHees& 2011-12

peveeer yeercee eespevee

je^ere keefe yeercee eespevee

mesv pevelee esef[ kee[& (meerpesmeermeer)

ieeceerCe ieesoece leLee ceeue ieesoece/Meerleien

ieeceerCe mJejespeieej leLee eefMe#eCe mebmLeeve (Deejmeser)

Fbefoje DeeJeeme eespevee

Jeeef<e&ke efjHees& 2011-12

veF& efjsue eespeveeDeesb kee eejbYe

DeeJeeme $eCeeW kes ekeej -

mesv nesce mJeeefYeceeve Hueme

ewveue efJee HeeseCe keer JeeHeke eespevee

Jele&ceeve efjsue $eCe eespeveeDeesb ceW mebMeesOeve:

meceie meercee ceW Jeef keer ieF&.

Jeeef<e&ke efjHees& 2011-12

efjsue $eCe veerefle - osMe ceW leerJe mHebefole

eeweesefiekeer HenueW : meermeerHeermeer Deewj keueeme mee@HeJesej kee MegYeejbYe

meYeer efyebOeke HeefjmebHeefeeeW kee mesv^ue jefpem^er ceW HebpeerkejCe kejvee.

Jeeef<e&ke efjHees& 2011-12

Jeeef<e&ke efjHees& 2011-12

leke efJemleeefjle keer ieF& leLee

Jeeef<e&ke efjHees& 2011-12

Dee@@ve ueeFve kej Yegieleeve.

efcem[ kee@ue Deue& :

SHueerkesMeve meHeesx[ yeee yuee@ke[ jeefMe (Demeyee):