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60THANNUAL REPORT
2019-2020
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NATIONAL COOPERATIVE AGRICULTURE & RURAL
DEVELOPMENT BANKS' FEDERATION LTD.
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BOARD OF MANAGEMENT(As on September 2020)
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Chairman
Vice Chairpersons
Managing Director
Directors
Shri K. Sivadasan Nair
Shri K Shadakshari
Shri Bijay Kumar Singh
Shri K. Ravinder Rao
Shri Marchynna Syiem
Shri K.K. Ravindran
Shri Parbatbhai Patel,
Dr. Bijender Singh
Shri R. Parimel Azhagan
Shri Moinul Hassan,
Shri Balwinder Singh
Shri Arvind Kumar Singh
Shri Jitendra Prasad
Shri V.M. Chaudhari
Shri Naresh Goyal
Shri Vivek Chauhan,
Shri Mohammad Aslam Bhat
Shri Pramod Reang,
Director, Kerala SCARDB
Vice Chairman, Karnataka SCARDB
Vice Chairman, Multi SCLDB (Bihar-Jharkhand)
Vice Chairman, Telangana SCAB
Vice Chairman, Meghalaya CAB
MP(Co-opted)
President, Delhi SCB
Chairman, Tamil Nadu CSARDB
Ex-MPSpecial Officer, West-Bengal SCARDB
Director, Punjab SCADB
MD, Uttar Pradesh SGVB
MD, Rajasthan RSBVB
GM, Gujarat SCARDB
MD, Haryana SCARDB
(HPAS)MD, HP SCARDB
MD, Jammu & Kashmir SCARDB
MLAPresident, Tripura CARDB
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SIXTIETH
ANNUAL REPORT
2019-20
NATIONAL CO-OPERATIVE AGRICULTURE AND RURALDEVELOPMENT BANKS' FEDERATION LIMITED701, A-wing, BSEL Tech Park, Plot No. 39, Sector 30 A, Opp. Railway Station
Vashi, Navi Mumbai 400 703 (Maharashtra)Tel. (022) 27814 114 / 226 / 426 Fax : (022) 2781 4225
E-mail : [email protected] Website : www.nafcard.org
NATIONAL CO-OPERATIVE AGRICULTURE &RURAL DEVELOPMENT BANKS' FEDERATION LTD.
ANNUAL GENERAL MEETING OF THE FEDERATION
NOTICE
60thAnnual Report2019-20
Notice is hereby given, that the Annual General Meeting of the National Co-operative Agriculture and
Rural Development Banks’ Federation Ltd., for the year 2019-20 will be held at on
to transact the following business.
1. To confirm the proceedings of the Annual General Meeting of the Federation held on 10 June
2019 in Mumbai.
2. Consideration ofAudited Statement ofAccounts for the year 2019-20.
3. Disposal of surplus for the year 2019-20.
4. Consideration of theAudit Report for the year ended 31.03.2020.
5. Consideration ofAudit Compliance Report for 2019-20.
6. Consideration ofAnnual Report for the year 2019-20
7. Appointment ofAuditors for the year 2020-21 and fixingAudit Fees.
8. Consideration ofAnnual Budget for the year 2021-22.
In view of inability of delegates who are located at different parts of the country to attend a physical
meeting due to prevailing situation arising out of Covid19 pandemic, the meeting will be held in virtual
mode.Password and related information for joining the meeting shall be informed in due course.
Hard copies of agenda notes and connected documents shall be circulated in advance to facilitate
fruitful deliberations.
In accordance with the provisions of Multi State Cooperative Societies Act, 2002 and the Byelaws of the
Federation,
Accordingly,
member banks are advised to inform the Federation the name of their representative to the General
Body along with the resolution of the Board at least 10 days before the General Body Meeting.
11.00 AM
26 October 2020,
the General Body shall consist of one representative of each member bank of the
Federation who shall be either Chairman/President or the Chief Executive or a member of the Board of
the member bank nominated by the Board of Directors of the respective Bank by a resolution, or the
Administrator, by whatever name called, of a member bank where there is no Board.
Place :Date :
Navi MumbaiSeptember, 202030
th
By Order of the Board of Management
(K.K. Ravindran)Managing Director
Sd/-
Shri K. ShadakshariVice Chairman
Shri K. Ravinder RaoVice Chairman
Shri Bijay Kumar SinghVice Chairman
BOARD OF MANAGEMENT
OFFICE BEARERS(As of September 2020)
60thAnnual Report2019-20
Shri Marchynna SyiemVice Chairman
Shri K. Sivadasan NairChairman
Shri K. K. RavindranManaging Director
BOARD OF MANAGEMENT(As of September 2020)
60thAnnual Report2019-20
Shri K. Sivadasan NairChairman, NAFCARD
Shri Bijay Kumar Singh(Chairman, Multi SCLDB, Bihar-Jharkhand)
Vice Chairman
Shri Jitendra PrasadManaging DirectorRajasthan RSBVB
Shri Marchynna Syiem(Chairman - Meghalaya CAB)
Vice Chairman
Shri K. Ravinder Rao(President - Telangana SCAB)
Vice Chairman
Shri Arvind Kumar SinghManaging Director
Uttar Pradesh SGVB
Dr. Bijender SinghPresident, Delhi SCB
Shri Moinul Hassan,Ex-MP, Special Officer,
WB SCARDB
Shri Balwinder SinghDirector - Punjab SCARDB
Shri R. Parimel AzhaganChairman,
Tamil Nadu CSARDB
Shri K. Shadakshari(President - Karnataka SCARDB)
Vice Chairman
Shri Parbat Bhai Patel, MP(Co-opted)
Shri V.M. ChaudhariGeneral ManagerGujarat SCARDB
Shri Naresh GoyalManaging DirectorHaryana SCARDB
Shri K. K. RavindranManaging Director
Shri Pramod Reang, MLAPresident, Tripura CARDB
Shri Vivek Chauhan (HPAS)Managing Director
HP SCARDB
Shri Mohammad Aslam BhatManaging Director
Jammu & Kashmir SCARDB
MEMBER BANKSChairmen & Chief Executives
(As of September 2020)
Jammu & KashmirState Co-operative Agriculture &
Rural Development Bank Ltd.
Shri Mohammad Aslam BhatManaging Director
KarnatakaState Co-operative Agriculture &
Rural Development Bank Ltd.
Shri K. Shadakshari, Ex-MLAPresident
Dr. K.C. Yathish Kumar, (KCS)Managing Director
KeralaState Co-operative Agricultural &
Rural Development Bank Ltd.
Shri Soloman AlexPresident
Shri V. Ratheesan, (IAS)Managing Director
MeghalayaCo-operative Apex Bank Ltd.
Shri Marchynna SyiemChairman
Shri O.E.J. NongbriManaging Director
Shri Naresh GoyalManaging Director
HaryanaState Co-operative Agriculture &
Rural Development Bank Ltd.
OdishaSate Co-operative Agricultural &
Rural Development Bank Ltd.
Shri Jogendra SwainPresident
Shri Krushna C. S. DasManaging Director
Himachal PradeshState Co-operative Agriculture &
Rural Development Bank Ltd.
Smt. Mamta SinghChairman
Multi State Co-operative LandDevelopment Bank Ltd.
(Bihar - Jharkhand)
Shri Ajay Kumar SinghManaging Director
Shri V.M. ChaudhariGeneral Manager
Gujarat State Co-operativeAgriculture & Rural
Development Bank Ltd.
Shri Chetan N.ParmarCustodian
PunjabState Co-operative Agricultural
Development Bank Ltd.
Shri Kamaldeep SinghChairman
Shri Charandev Singh MaanManaging Director
PondicherryCo-operative Central Land
Development Bank Ltd.
AdministratorSmt. V. SarojiniShri A. Irysappan
Managing Director
Shri Vivek Chauhan (HPAS)Managing Director
60thAnnual Report2019-20
DelhiState Co-operative Bank Ltd.
Dr. Bijender SinghPresident
Smt. Anita RawatManaging Director
Smt. Sashi BalaChairman
MEMBER BANKS(As of September 2020)
Shri Apurba Krishna ChakrabortyGeneral Manager
RajasthanRajya Sahakari Bhoomi
Vikas Bank Ltd.
Shri G.L. SwamiAdministrator
Shri Jitendra PrasadManaging Director
TelanganaState Co-operative Apex Bank Ltd.
Shri Konduru Ravinder RaoPresident
Dr. Nethi MuralidharManaging Director
Chairmen & Chief Executives
AssamState Co-operative Agriculture &
Rural Development Bank Ltd.
Uttar PradeshSahakari Gram Vikas Bank Ltd.
Shri Santraj YadavChairman
Shri Arvind Kumar SinghManaging Director
Tamil NaduCo-operative State Agriculture &
Rural Development Bank Ltd.
West BengalState Co-operative Agriculture &
Rural Development Bank Ltd.
60thAnnual Report2019-20
ChairmanShri R. Parimel Azhagan Smt. R. Brindha
Managing Director
Shri Amlan BhattacharyaManaging Director
Shri Moinul Hassan, Ex-MPSpecial Officer
Shri Ghana PeguManaging DirectorChairman
Shri A.B. Das
Shri Pramod Reang, MLAPresident, Tripura CARDB
TripuraCo-operative Agriculture &
Rural Development Bank Ltd.
- 1 -
Economic survey 2019-20 estimated a GDP growth
rate of about 5% for the year 2019-20 compared to
6.8% in 2018-19 which is projected to grow in the
range of 6% to 6.5% in 2020-21. Deceleration in the
growth rate was attributed to declining consumption
and investments. The survey also noted that 2019
was a difficult year globally, with world output
growing at its lowest pace of 2.9% since the global
financial crisis in 2009. The weak global environment
impacted Indian economy as well. Following are the
major highlights of economic survey 2019-20 based
on the performance of economy during April 2019 –
December 2019 (first three quarters of financial year
2019-20).
The Wholesale Price Index (WPI) based inflation
decreased from 4.3% in 2018-19 to 1.5% in 2019-
20.
Current account deficit decreased from 2.1% of
GDP to 1.5%.
Fiscal deficit jumped the target by 20%.
Gross fixed capital formation in agriculture
decreased from 17.7% of GVA in 2013-14 to
15.2% of GrossValueAdded (GVA) in 2017-18.
Volatility in agriculture growth continues from
-0.2% in 2014-15 to 6.3% in 2016-17 and then
declined to 2.8% in 2019-20.
The contribution of agriculture to GVA decreased
from 18.2% in 2014-15 to 16.5% in 2019-20.
Access to credit, insurance coverage and
investment in agriculture continue to be major
issues to be addressed in doubling farmer’s
income.
Industrial sector growth declined from 2.5% in
2019-20 compared to 6.9% in 2018-19.
Share of industrial sector in GA stands at 29.6%.
Services sector contributes 55.3% of GVA in
2019-20. The sector registered a growth rate of
6.9% in 2019-20 compared to 7.5% in 2018-19.
B a n k i n g s e c t o r c o n t i n u e s t o b e
disproportionately under developed given the
size of economy. India has only one bank in the
global top 100. Public sector banks account for
70% of the market share but are inefficient in
various performance parameters as compared
to private banks.
Government plans aggressive disinvestment of
public sector enterprises with the objective of
making them more efficient and profitable.
According to IMF estimates, the global economy is
moving to the worst recession since great
depression due to Covid 19 pandemic which
disrupted economic activities world over. The loss of
global GDP in 2020-21 is estimated at 9 Trillion US$
which is about 10% of global GDP in 2019. India’s
GDP growth estimated earlier at 5% for 2019-20 is
projected to be lower by at least 1 to 2% due to
disruptions started in March 2020. While global
economies are heading to the zone of negative
growth in the range of 5 - 10% in 2020 India is
projected to be among the handful of countries still
maintaining positive growth though at a nominal rate
of below 2%. IMF projects a ‘V’ shape recovery of
about 9% growth in global GDP during 2021 with an
expected growth rate of Indian economy at 7.4% in
2021-22. The actual impact of Covid 19 slow down
on various sectors in the economy and also how long
the slowdown will continue are yet to be known.
Covid 19 impact
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60thAnnual Report2019-20
ECONOMIC SCENE
Agriculture is a key sector in terms of its contribution
to both employment and GDP. Agriculture is the
primary source of livelihood for about 48% of
population. Improved access to inputs such as
fertilizers and seeds, as well as better irrigation and
credit contributed to a higher average annual growth
rate in recent years. The average annual growth rate
remained at around 2.88% during 2014-15 to 2018-19
though with high volatility in different years.
During 2018-19 crop year, food grain production was
estimated at 283.37 million tons and projected at
291.1 million tons in 2019-20. Milk production was
estimated at 176.3 million tons during FY18, while
meat production was 7.4 million tons. India is the
second largest fruit producer in the world with
horticulture production touching a record high of
313.9 million metric tons (MMT) in 2018-19.
The Sector underwent significant diversification from
grains towards pulses, fruits vegetables and livestock
products largely driven by evolving demographic,
urbanization and demand patterns. India could also
achieve remarkable reduction in the proportion of
population that is undernourished from around 24%in
1990-91 to 14% in 2019-20.The country has also
emerged as a major exporter of several key
commodities, currently being the largest exporter of
rice globally and the second largest of cotton. Total
agricultural exports of India grew at compounded
annual rate of 16.45 per cent in 2019 over previous
year to reach US$ 38.54 billion. India is also the largest
producer, consumer and exporter of spices and spice
products.
However, India’s agriculture sector while employing
42% of country’s work force accounts only for around
14% of the economy.The share of Agriculture, Forestry
and Fisheries Sector in GVA (at 2011-12 prices) has
seen a steady decrease over the years from 15.4% in
2015-16 to 14.4% in 2018-19.Agricultural production is
also highly fluctuating year to year as around 55% of
India’s arable lands are rain fed where crop production
depends on the amount of rainfall during the monsoon
season.
Prevalence of very large number of small holder
farmers with declining average size of their holding,
decliningrate of gross capital formation in the sector,
low productivity, climate change, pressure on natural
resources such as water, under developed food
processing and retail sector, continuing impediments
in market resulting in big gap between prices paid by
the consumer and return realized by the farmer are
some of the other major challenges inAgriculture.
Agricultural policies in India are designed and
implemented by a complex system of institutions
consisting of Central and State governments, public
agencies such as RBI, NABARD etc. Constitutionally
agriculture is a state subject. But Central Government
plays an important role in policy formulation at
national level and funding state governments for
implementing such policies and programmes. Having
achieved the goal of food security the thrust has
changed to remunerative prices to producers and safe
guarding the interest of consumers in terms of quality
and affordability.
The development strategy for agriculture outlined in
Government of India’s Economic survey 2020 prioritise
small holder agriculture in order to promote
sustainable livelihood and poverty reduction by
achieving higher productivity and realizing better
returns. Farm productivity in turn depends on the use
of inputs like fertilizer, access to irrigation, technology,
crop intensity and choice crops at the farm. Efficiency
in the use of these resources is a major factor
determining productivity. Improving resource use
efficiency covers following aspects,
AGRICULTURE 2019-20
- 2 -
60thAnnual Report2019-20
i) sustainable water use in agriculture by adopting
improved methods of irrigation and irrigation
technologies Water management initiatives like
watershed management, drip irrigation and water
user associations can play an important role in the
strengthening the agricultural sector. Considering the
scarcity of water, end users need to be aware of and
work towards conserving water. Farmers should be
encouraged and given incentives measures for using
water judiciously. Government agencies, too need to
be empowered to fix and enforce norms for water
usage in agriculture. Risk proofing farmer’s losses by
expanding the insurance net, effective claim
management, effective market interventions by
government agencies to avoid distress sale and
oversupply of agricultural commodities during the
peak season are other measures to stabilize prices and
income. The Government bodies, private players and
the growing agriculture start up community can
together transform the sector’s outlook.
ii) Economising use of Fertilizers and Pesticides :
Fertilizer cost is a major part of total cost of crop
production. Per Ha fertilizer consumption after
showing steady increase till 2011 started declining
after that. Statistics also show a declining trend of
fertilizer response ratio or impact of fertilizer on soil
fertility. This is attributed to lack of knowledge among
farmers about the right quantity, right mix and right
method of application as well as time of application of
fertilizers based on soil specific and crop specific
requirements. Optimal dose based on soil health
status, promotion of neem coated urea, promotion of
micro nutrients, promotion of organic fertilizers and
water soluble fertilizers are suggested to increase
fertilizer response ratio.
iii) Organic and natural farming for increasing
sustainability in agriculture. National Mission for
Sustainable Agriculture (NMSA) aims to make
agriculture more productive and sustainable by
promoting location specific integrated farming system
involving appropriate soil and moisture conservation
measures. Government launched Paramparagat Krishi
Vikas Yojaya (PKVY) and Rashtriya Krishi Vikas Yojana
(RKVY) to promote various organic farming models
such as Zero Budget National Farming (ZBNF). Main
aspects of ZBNF are eliminating chemical fertilizers
and pesticides and promotion of good agronomic
practices. It also aims to promote eco-friendly
agriculture for producing chemical free crops. States
like Karnataka, Himachal Pradesh and Andhra Pradesh
where ZBNF is gaining popularity witnessed sharp
decline in input costs and improvement in yields.
iv) Adopting appropriate technology for small holder
farming. Use of high end technology and farm
machinery are not economically feasible in small
holder farming. The thrust should be on promoting
environment friendly automated farm machinery and
tools suited for small scale operations and setting up
custom hiring centers for accessing high-tech
machinery by small and marginal farmers. Information
and communication technology, especially spread of
mobile phones with internet in rural areas has
improved access to information by small farmers on
prices and weather. ICT also helps to increase market
access and financial inclusion.
v) Extension Services. Agricultural extension plays a
key role in boosting agricultural productivity,
improving rural livelihoods and in adopting better
farming practices. Studies show that about 40% of
agricultural households access technical advise on
agriculture from various available sources.
Progressive farmers and media including newspapers,
T.V. and internet are the 3 most accessed sources.
Among households that adopted the advise, majority
found it beneficial which reflects significance of
extension services. Advise received from Agriculture
and Veterinary Departments are seen to have greater
acceptability and are more likely to be adopted.
vi) Agricultural Credit : Timely credit greatly impact
agricultural production. Though there has been
- 3 -
60thAnnual Report2019-20
impressive growth in agricultural credit in the last 10
years, large number of farmers are still left out from the
formal credit system. Moreover, the Regional
Distribution of Agricultural Credit in India is highly
skewed. Distribution of agricultural credit is
disproportionately low in North-East, hilly and Eastern
States. The share of north eastern states is less than
1% of total agricultural credit disbursements by formal
credit system. Financial inclusion in north east and
eastern India is also relatively less as compared to
South and West, which warrants greater distribution of
agricultural credit disbursement to this region.
Allied sectors consisting of livestock, poultry, dairy and
fisheries are a major sub-sector of agriculture. India
has about 300 millions bovines, 65 million sheeps, 135
million goats and 10 million pigs. Livestock farming in
India is mostly done as a part of composite farming
system comprising of crop production and livestock
rearing which complement each other in terms of
input output relationship.
Animal husbandry and Dairying : Globally, India ranks
first in milk production accounting for 20% of world
production. Milk production increased from 55.6
million tonnes in 1991-92 to 176.3 Million tonnes in
2017-18, at an average annual growth rate of 4.5%.
India’s per capital milk availability is 375 grams which
however, varies widely from state to state with 71
grams per day in Assam to 1120 gram per day in
Punjab. Of the total milk produced in rural areas about
52% is marketable surplus. Of this, only less than 50%
is handled by organized sector including Dairy
Cooperatives.
Small Ruminant Sector : Sheep and goat are
collectively known as small ruminants. India has 16.1%
of world’s goat population and 6.4% of sheep
population. Of the total livestock population of 512.1
million, sheep and goat at 200 million account for 39%
of country’s total livestock population. Sheep and goat
rearing is an important source of income for resource
poor families and supplementary source of income for
farmers in general during lean seasons. Small
ruminants have higher survival rate under drought
conditions as they require less water and survive on
available shrubs and trees in adverse environment in
low fertility lands where most of the crops and other
animal do not survive.
Fishery Sector : Fisheries is a fast growing sector in
India, providing nutrition and food security to a large
population. The sector provides income and
employment to more than 14.5 million people. India is
the second largest fish producer in the world with total
production of 13.7 million metric tons in 2018-19 of
which 65% was from inland sector. Almost 50% of
inland production is from culture fisheries. The sector
accounts for 5.23% of total agricultural GDP. Fish and
fish products exports were valued at 47620 crores in
2018-19. Realising the high potential of fisheries, Govt
has created a separate Department for Fisheries in
February 2019 and merged all schemes in fishery
sector in an umbrella scheme of ‘Blue Revolution’.
Government also created Aquaculture Infrastructure
Development Fund (AIDF) starting with an allocation of
7522 crores for fisheries development. Thrust is also
given to integrate Sustainable Development Goals in
the development of Fisheries to avoid over
exploitation/depletion of marine resources while
providing incomes and livelihoods for the poor.
India has set the ambitious goal of doubling farm
incomes by 2022. The agriculture sector in India is
expected to generate better momentum in the next
few years due to increased investments in the sector.
Increasing production through enhanced crop
productivity, cropping intensity and livestock
productivity, lowering cost of production by increased
resource use efficiency, diversification towards high
value crops, market reforms and MSP based on total
cost of production and minimum surplus required, for
better price realization by farmers and substantially
reducing people dependent on agriculture by shifting
them to non farm occupations are the important
strategies adopted for doubling farmers income. FPOs
`
`
- 4 -
60thAnnual Report2019-20
offer tremendous potential to maximize incomes of
small holder farmers by involving them deeper in the
value chain. The FPO structure is currently in need of
support services to enable them to secure business
acumen and market linkages. Other key issues such
as better insurance terms, quality assessment
infrastructure, precision agriculture solutions for
better crop management, access to finance, etc.
needs to be addressed for the success of the FPO’s.
Climate change is a major challenge for agriculture.
There should be an effective climate risk adaptation
and mitigation strategy at policy level and farm level
by developing drought tolerant verities of crops,
effective water management and innovations in
farming practices to adapt to minimize the impact of
rising temperatures. Solutions for early warning
system can play a vital role in estimating and
minimizing the risk due to erratic climate change
events.
Union Budget 2020-21 made an allocation of 2.83
lakh crore for agriculture and rural development, of
which Agriculture, Irrigation and Allied activities
accounted for 1.60 lakh crore and Rural
Development and Panchayati Raj 1.23 lakh crore.
• The Budget proposes to continue PM – KISAN,
the income support scheme to farmers under
which 6000 is paid to eligible farmer families in
three quarterly instalments of 2000 each.
• Encouraging State Governments to adopt Model
Agricultural Land Lease Act of 2016, APMC Act
2017 and Contract Farming Act 2018 to
strengthen agricultural marketing.
• Inorder to promote Solar Energy in agriculture 20
lakh farmers being assisted to set up stand-
alone solar pumps for irrigation and 15 lakh
farmers to be assisted to solarise their grid
connected irrigation pump sets.
• KrishiUdaan Scheme by Ministry of Civil Aviation
to facilitate farmers to access domestic as well
as international markets for their perishable
produce like fruits, vegetables, flowers etc.
• Mapping and geo-tagging of agricultural
warehousing and cold storages which has an
estimated capacity of 162 million MT through
NABARD.
• Strengthening Village Storage Facilities through
SHGs with the objective of reducing
transportation cost and food losses.
• Setting up Kisan Rail through PPP Model for
quick transportation of perishables including
milk,meat and fish.
• Milk processing capacity to be doubled from
53.5 million tonnes to 108 million tonnes by
2025.
• Increasing fish production to 200 lakh tonne by
2022-23. Involving youth in fishery extension
through 3477 SagarMitras and 500 Fish Farmer
Producing Organisations with the objective of
raising fishery exports to one lakh crore by 2024-
25.
• To encourage farmers to use all types of
fertilizers to change the incentive regime for
chemical fertilizers.
• PM Fasal Bima Yojana to be extended to 6.11
crore families.
• Focus on micro irrigation through Krishi Sinchai
Yojana to be continued.
• One Product One District Programme for better
marketing and exports of Horticultural produce.
• Integrated farming system in rain fed areas shall
be expanded with focus on multi-tier cropping,
bee keeping, Zero Budget Natural Farming and
strengthening online national organic products
market.
Agriculture in Union Budget 2020-21
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Historically, farmers in India are resource poor who
depend heavily on borrowings to facilitate production
and smoothening of consumption pattern. With
customary uncertainties of farming under rainfed
conditions increasing indebtedness of farmers at
exploitative interest rates has been a continuous
characteristics of Indian agriculture. Institutional
credit was virtually absent till the end of 19th Century
though farmers occasionally were given loans by the
Govt, especially during drought years. The idea of
forming Cooperative Societies to give loans to farmers
came only in the beginning of 20th Century. This
thinking finally resulted in the enactment of
Cooperative Societies Act in 1904. Cooperatives
gradually became an important source of agriculture
credit throughout the country. Rural credit also
received continuous attention of the Govt in the early
part of 20th Century. The original Act of 1904 was
followed by a new CooperativeAct in 1912 to give legal
recognition to Cooperative Credit Societies.
Establishment of Provincial Cooperative Banks,
resulting in the creation of 3-tier Cooperative credit
structure was another important development during
this period. The operations of credit cooperatives
however, confined to short term loans. At the same
time, farmers were in need of long term loans to
redeem their land after liquidating prior debts, which
claimed a major portion of crops they produced by
way of interest on such debts. Land Mortgage Banks
were established in early 1920s to meet such long
term credit needs of farmers. The establishment of
first Land Mortgage Bank in Punjab in 1920 was
followed by formation of such banks at provincial and
primary levels in the provinces. Inspite of all these
efforts by 1951, only 3.3% of farmers had accessed
credit from Cooperatives and only less than 1% of
farmers managed to get loans from Commercial
Banks. All India Rural Credit Survey Committee in 1954
observed that agricultural credit fell short of right
quantity,was not of the right type and did not serve the
right purpose and often failed to go to the right people.
Committee observed several deficiencies in the
performance of cooperatives in meeting the credit
needs of farmers, but found that cooperatives had a
vital role in channelizing credit to the farmers and
summed up that ‘Cooperation has failed, but
Cooperation must succeed’. Agricultural Refinance
Corporation was established in 1963 to make long
term funds available to Cooperative Rural Credit
Structure, particularly Land Development Banks. All
India Rural Credit Review Committee was set up in
1966 to review the availability of rural credit and to
recommend measures to improve flow of agricultural
credit. The Committee recommended that
Commercial Banks should play a complementary role
along with cooperatives in extending rural credit.
Bank nationalisation and introduction of the concept
of priority sector lending in 1969 acted as a catalyst to
bring commercial banks in the Rural Credit System in a
big way. Lead Bank Scheme was also introduced in the
same year for decentralized planning under which
each district was placed with one of the commercial
banks. All these initiatives however, failed to bring
desirable improvement in credit flow to agriculture
mainly because commercial banks were not tuned to
the needs of small and marginal farmers, while
cooperatives lacked resources to meet the growing
demand for credit. It was on the above background
that Regional Rural banks (RRBs) were set up in 1975
based on the recommendations of NarsimhanWorking
Group. RRBs were conceived as a separate banking
structure, combining the co-operative advantages of
local feel and familiarity of rural problems and the
professionalism and resource base of commercial
banks. Thus, towards the end of 70s a Multi-Agency
System comprising of Cooperatives, Commercial
banks and RRBs was emerged for rural credit.
Subsequently, following recommendations of the
Committee to Review Arrangements for Institutional
Credit for Agriculture and Rural Development, National
RURAL CREDIT SCENARIO
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60thAnnual Report2019-20
Bank for Agriculture & Rural Development (NABARD)
was set up in 1982, which took over the entire
operations of ARDC and the refinancing functions of
RBI with regard to agriculture and rural credit.
NABARD plays a central role in providing financial
assistance and facilitating institutional development in
the area of rural credit. 1990s witnessed initiation of
financial sector reforms based on the report of
Committee on the financial system (Chairman Shri M.
Narsimhan 1991). Several committees on Rural
Financial System were also constituted during this
period including High level Committee on Agricultural
Credit through commercial Banks (R.V. Gupta, 1998),
Task Force Study on functions of Cooperative credit
system and to suggest measures for strengthening
(Jagdish Kapoor, 1999), Expert Committee on Rural
Credit (V.S.Vyas,2001),VaidyanathanTask Force I & II in
early 2000s etc. The financial sector reforms in India
since 1990s were carried out mainly on the basis of the
recommendations of the above Committees.
However, i t i s observed that whi le the
recommendations relating to Commercial banks and
RRBs were mostly implemented those relating to
strengthening of Rural Cooperative Credit Structure
were not given required attention. Vaidyanathan Task
Force Report on STCCS was not fully implemented
whereas Vaidyanathan Task Force Report on LTCCS
was ignored and not implemented at all.
There has been phenomenal growth in the credit flow
to agriculture in the last 15 years as may be seen from
the table below showing yearly targets and
achievements for agricultural credit from 2005-06 to
2020-21.
Note:Figures in parentheses indicate percentage change over previous year
Source:Budget document & Economic Surveys of Gol (2005-06 to 2018-19) & NABARDAnnual Reports
*Fig.17:Agriculture Credit,Pp.157 (Economic Survey 2016-17,Gol).
Out of 12,54,762 crores disbursed during 2018-19, as
much as 6,26,087.53 crores (provisional) were
disbursed to small and marginal farmers forming
49.90% of the total.
Small and marginal farmers, who operate 85% of
holdings and account for more than half of the total
area cultivated are not getting proportionate share of
institutional credit. Farmers require credit for short
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Year Target Achievement ( Crs)`
2005-06 1,41,500 (34.76%) 1,80,486 (44.03%)
2006-07 1,75,000 (23.67%) 2,29,401 (27.10%)
2007-08 2,25,000 (28.57%) 2,50,000 (8.98%)
2008-09 2,80,000 (24.44%) 3,02,908 (20.76%)
2009-10 3,25,000 (16.07%) 3,84,541 (26.94%)
2010-11 3,75,000 (15.38%) 4,68,291 (21.79%)
2011-12 4,75,000 (26.66%) 5,11,029 (9.13%)
2012-13 5,75,000 (21.05%) 6,07,375 (18.85%)
2013-14 7,00,000 (21.74%) 7,30,765 (20.31%)
2014-15 8,00,000 (14.28%) 8,45,328 (15.68%)
2015-16 8,50,000 (6.25%) 9,15,509 (8.30%)
2016-17 9,00,000 (5.88%) 10,65,755 (18.42%)*
2017-18 10,00,000 (11.11%) 11,62,617 (16.26%)
2018-19 11,00,000 (10%) 12,54,762 (14.06%)*
2019-2020 12,00,000 -
2020-2021 15,00,00 -
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60thAnnual Report2019-20
term uses such as purchasing inputs, weeding,
harvesting, sorting and transporting, or long term uses
such as investing in agricultural machinery and
equipment, or irrigation. Small and marginal farmers
reply mostly informal sources of credit, at higher rates
of interests.
Over the past few decades, especially since 1990-91,
the share of long term credit has been constantly
decreasing implying that farmers are taking loans for
recurring expenditures rather than to fund long term
investments. Although the flow of production credit
has been on the increase year after year, it has not
resulted in proportionate increase in agricultural
production, due to falling share of investment credit
and slowdown in the rate of capital formation and
productivity enhancement.
It is estimated that 75% of the total credit to agriculture
has been contributed by Commercial Banks and
balance by Cooperatives and RRBs with a share of 15%
and 10% respectively. The reported growth in credit,
however, is hardly reflected in the field. Nearly half of
India’s 1540 million farming households are excluded
from the formal credit system. Ordinary farmers still
find it difficult to access credit from banking system. In
spite of domination of Commercial Banks in the
statistics of agricultural lending, cooperatives
continue to be the source of credit for 60% of
borrowing farmers. RRBs have significantly increased
their share in agriculture lending accounting for 10% of
the total credit and about 20% of total borrowers. The
fact that Cooperatives and RRBs together cover nearly
80% of borrowing farm households leaves Commercial
banks to finance just 20% of borrowing farmers.
Evidently, the direct loans of Commercial Banks to
farmers should be much less than what is actually
reported. This over counting of agricultural lending by
Commercial Banks has caused to vitiate Govt policies
in rural credit and drastically diminished the
importance of cooperatives in Govt policies and
programmes to augment credit flow to the sector.
Agricultural yield (in terms of average per hectare
production) is found to be much lower in the case of
most crops, as compared to other top producing
countries such as China, Brazil and the United States.
Key issues affecting agricultural productivity include
the decreasing size of agricultural land holdings,
continued dependence on the monsoon due to
inadequate access to irrigation, imbalance in theuse of
soil nutrients resulting in loss of fertility of soil, uneven
access to modern technology in different parts of the
country, lack of access to formal agricultural credit
issues in market blocking.
Profitability of agriculture vis-a-vis other sectors
influences private investment in agriculture and
relative profitability of different crops determines the
inter-crop allocation of land and other resources.
Public investment in agricultural infrastructure is an
important factor deciding profitability in agriculture.
However, public investments in agriculture has been
declining sharply in the last few decades. Reversal of
the declining trend in public investment in agricultural
infrastructure is necessary to resolve the present
crisis in agriculture and farmer’s distress.
Shifting a large chunk of workforce from agriculture by
creating productive work opportunities in the non-
farm sector is also required to check the disturbing
trend of increasing income disparities between
agricultural and non-agricultural occupations.
The most important pre-requisite in the agricultural
sector is the need to encourage farmers to make long-
term investments. Inevitably, public support is
required not only through an increased flow of credit
and creation of infrastructural investments but also
through the development of agri-markets and
investment in agro-processing. The investment needs
may differ across countries /regions given their
diverse agro-climatic conditions, and the level of
agricultural development, and the crop and allied
activities being undertaken by them.
Credit acts as an enabling and critical input in the
production process. Studies reveal that loans from
institutional sources, viz., commercial banks, regional
rural banks and cooperatives, provide access to and
usage of fertilisers, seeds and other inputs, and are
also highly correlated with capital formation. Seen
from the demand side, this indicates that nearly 86% of
the farm investment in India is undertaken through
borrowed money from both institutional and non-
institutional sources. The existing institutional finance
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60thAnnual Report2019-20
mechanism takes care of more than 65% of the total
production credit requirements and the balance goes
for investment credit.The short term loans provided by
all banks largely support for production of crop and
lesser share goes towards investment in agriculture.
This has affected the capital formation in agriculture
which should have been increased substantially over
the years mainly because of farmers not getting
adequate returns for their investments made by
borrowing through institutional credit agencies.
The current estimates suggest that long-term credit is
not just declining but also that it constitutes less than a
quarter of total agricultural credit. The policy thrust,
therefore, has to be on incentivizing banks through
adequate budgetary support. Similarly, reviving public
sector investment is critical due to its multiplier effect
on the overall GCF in the sector.
In India the investment requirements have not been
estimated for agricultural growth at state level but only
made at national level. The Planning Commission
estimated that a 20.41% rate of investment was
required to achieve a growth target of 3.5–4.2%
during the Twelfth Five Year Plan (2012-17). This
investment rate, based on the incremental capital
output ratio (ICOR) of 5.32%, is to be met through the
public and private (farm household) sectors. Based on
the average ICORs from 2007-08 to 2011-12 and 2012-
13 to 2013-14 and the targeted 9.23% annual increase
in real farm income, the required rate of
investment on private account is at 6.62%. In case of
public investment (‘for’ agriculture) the targeted
investment rate is assessed at 6.92% per year. In
absolute terms, in order to enable the doubling of
farmers’ real income by generating higher farm
incomes, the private investment in India should
increase from 296 billion ( 29,559 crore) in 2015-16 to
cumulative 463 billion ( 46,299 crore) in 2022-23, at
2004-05 prices.
Studies undertaken for the earlier periods also
reported higher ICORs in agriculture, varying between
2.2 and 4%, which indicates that a one-rupee increase
in output per year requires an one-time investment of
2.2 to 4. The capital requirement would almost
double if public investment in infrastructure and
supportive investments are also taken into account.
With increased fragmented land holdings, it is quite
unlikely that marginal farmers would be willing to take
investment credit when the adequate return is not
assured by such investments. Thus, the risk and return
ratio on investment credit being quite high, there will
be hesitancy on the part of the small/marginal farmers
to borrow at a high cost where the return is going to be
far less. As indicated above unless the investment risk
return ratio becomes positive, farmers may not be
willing to take any risk for putting additional
investment by taking loans from institutional agencies.
The institutional credit delivery mechanism does not
have long term resources. The refinance facility from
NABARD is only by way of liquidity support to the
banks. Commercial Banks generally squeeze the
repayment period for their investment credit support
thereby compelling the farmers to repay their loans
even without any income. Hence, they are forced to
approach informal sources for their financial needs
which carry exorbitant rate of interest. Cooperative
banks and RRBs do not have adequate long term
resources to augment their share in investment credit.
ARDBs are the only source to support the investment
credit needs of their members sometimes even with
or without NABARD’s refinance support. If the share of
investment credit byARDBs need to be expanded, they
should be provided with liberalised funding from
NABARD or any other higher financing agencies as the
ARDBs are the only channel purposely created by the
policy makers for providing long term investment
credit support. It, therefore, calls for a relook on the
refinancing policy of NABARD which should play the
proactive role of supporting the ARDBs liberally
without any strings instead of adopting restricted
lending policies. In fact, NABARD has been first
recovering its refinance dues from ARDBs even when
they are not in a position to recover from the
borrowing members, since its inception. This policy of
NABARD needs to be relooked and it should adopt
later-end repayment of its refinance instalments by
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the ARDBs. Such an approach would give adequate
cushion to ARDBs in meeting unfavourable recovery
climate arising out of various socio-political reasons
and NABARD would also take part in risk sharing
approach.
The revamping of LTCCS is badly delayed affecting its
ability to meet the Long Term credit needs of farmers.
Govt. should implement the revival package for LTCCS
recommended by Vaidyanathan Task Force II without
further delay.
High interest rates payable by farmers for investment
credit is another issue that should be addressed on
priority. Central Govt. has taken steps for keeping
interest rate of crop loans at affordable rates.After the
interest subvention of 3% the maximum interest rate
on crop loans is 4% per annum.With additional interest
subvention by State Governments crop loans are now
available at zero interest rate in some states.
However, none of these measures to reduce the cost
of agriculture credit has been extended to loans given
for farm investments. NABARD’s refinance support to
banks for investment credit carries interest rates of
about 8.50% per annum, making the cost of loans at
ultimate borrower level in the range of 12-14% per
annum. The huge gap between interest rates of crop
loans and investment loans has become a major
disincentive for farm investments.
Govt. has set up Long Term Rural Credit Fund in
NABARD with annual contributions out of deficit in
commercial banks’ lending to agriculture. NABARD
has been using this Fund for giving investment credit
refinance at a lower rate for a maximum period upto 5
years. However, SCARDBs were getting only a small
share of LTRCF as their loans are mostly of longer term
than 5 years. Based on the recommendations of the
Working Group for Enhancing the Share of Investment
Credit by ARDBs and subsequent to the discussions
with the Chairman, NABARD on 06th March 2019,
NABARD has extended the period of refinance for long
term loans to 9 years partly with LTRCF assistance
upto 5 years and for the remaining period NABARD
would charge interest as applicable to its Normal
lendings. This relaxation would go a long way in
availing more refinance by providing necessary
cushioning for ARDBs to meet the resources crunch to
a certain extent.
Financing agriculture, especially under rain-fed
conditions, which accounts for 63% of the total area
under cultivation, involves high risk. At present, the
entire risk involved in farm financing is borne by
lending institutions resulting in high level of NPAs with
them. For large number of institutions in the
cooperative credit structure including ARDBs which
cater mainly to small and marginal farmers, the NPAs
are beyond tolerable level.
Implementation of DebtWaiver Scheme by Central and
State Govts, continued to vitiate the climate of loan
recovery. Govt. support to farmers for agriculture
insurance should be extended for insuring farm assets
also apart from crops. Govt. should also refrain from
actions that vitiated recovery climate and restrain
from interference in the recovery process ofARDBs.
Most part of the institutional credit goes to a few
developed states in the South and North-west regions
of India. Consequently, rural areas in Eastern and
North-eastern states with huge potential for
agricultural growth are not getting adequate credit.
Addressing the skewed distribution of credit between
various regions as well as between rural communities
within each region is another major challenge for rural
financial system.
60thAnnual Report2019-20
Overview of Long-Term Cooperative Credit Structure as on 31 March 2020
At present the structure comprises of 16 SCARDBs of
which only 13 are fully functional with a network of
1722 PCARDBs/branches of SCARDBs at ground level.
These banks have a total membership of 1,02,44,345
rural households of which 56,55,969 have outstanding
loans. The Total Loans Outstanding and Borrowings
Outstanding of these banks as on 31.03.2020 were
20102.57 crores and 13437.20 crores respectively.
Fully functional SCARDBs have total deposits of
2129.21 crores as on 31.3.2020 as against 2113.92
crores as on 31.3.2019.Their total lending during 2019-
20 stood at 4214.40 crores as against 4242.50
crores during the previous year. Aggregate recoveries
were 38.59% (As on 31 March 2020) as against 36.37%
last year.
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60thAnnual Report2019-20
Sr.
No.Particulars
During the year
2018-19 2019-20
1. No. of SCARDBs
i Fully Functional 13 13
ii Others 3 3
2. Network of outlets
i Branches of SCARDBs 660 660
ii PCARDBs and its branches 1,063 1,062
TOTAL 1,723 1,722
3. Membership of individuals
i Borrowing Members 55,53,215 56,55,969
ii Non-borrowing Members 46,51,291 45,88,376
TOTAL 1,02,04,506 1,02,44,345
4. Loans Outstanding 19,76,087.43 20,10,257.27
5. Loans Disbursed 4,24,250.14 4,21,439.89
6. Borrowings Outstanding 14,87,110.14 13,43,719.94
7. Deposit Outstanding 2,11,392.21 2,12,920.86
8. Loan Recovery Position
As on 2018-19 2019-20
i Demand 13,18,364.13 14,47,361.95
ii Recovery 4,79,428.14 5,58,488.85
iii Recovery % 36.37 38.59
9. Amount of Profit (As on 31st
March) 12,391.75 15,382.18
In Profit (Nos.) 8 8
10. Amount of Losses 24,435.10 18,591.17
In Loss (Nos.) 5 5
11. Staff Position
i SCARDB Level 4,779 4,576
ii PCARDB level 4,658 4,493
TOTAL 9,437 9,069
COOPERATIVE LONG TERM CREDIT STRUCTURE – OVERVIEW
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60thAnnual Report2019-20
Issues and Challenges in the Long Term
Cooperative Credit Structure (LTCCS)
The LTCCS is primarily designed as non-resource
based specialized term lending agency. The structure
consists of Agriculture and Rural Development Banks
at State and Primary levels. These institutions are not
given license to function as Banks coming under the
purview of Banking Regulations Act. Hence they are
not allowed to take deposits from public like other
Rural Financial Institutions (RFIs). As a result, they are
dependent heavily on borrowed funds for advancing
loans. Before Independence, Government was the
main source of funds for their operations. In 1961,
Agriculture Refinance Corporation (ARC) was
established to mobilize Long Term resources for the
operations of Land Development Banks (LDBs). In
1963, ARC was renamed as ARDC. Till formation of
NABARD in 1982, Agricultural Refinance and
Development Corporation (ARDC) and Agricultural
Credit Department (ACD) of RBI together provided
funds for the operations of LTCCS. In July 1982,
NABARD was formed by merging ARDC and ACD.
Since then, NABARD is the main source of funds for the
structure for carrying out its lending operations.
The refinance support of NABARD, however, has been
steadily declining since the beginning of 2000.This has
severely restricted the lending operations of SCARDBs.
Moreover, SCARDBs in some States which could not
access NABARD’s refinance due to non-availability of
Govt. guarantee or failure to meet the eligibility
conditions for refinance based on its Risk Rating norms
had to suspend lending operations for want of
resources. SCARDBs are bearing guarantee fee
ranging from 0.25% to 2%. Thus, effectively, the
margin available forARDBs is getting reduced affecting
their viability. In this context, the Working Group on
Enhancing the Share of ARDBs in Investment Credit
under the chairmanship of Shri Y.C. Nanda,
recommended NABARD to introduce a new additional
refinance product to extend refinance to SCARDBs on
the basis of their unencumbered quality assets and
other qualitative norms without govt guarantee or
collaterals.
Inability to meet Short Term production credit/working
capital needs of Long Term borrowers has been
another major deficiency in the working of ARDBs.
Because of restrictions in the Act, SCARDBs in general,
were unable to diversify lending to short term
purposes until recently. In recent years,ARDBs in most
of the States are also meeting short term credit needs
of long term borrowers out of funds mobilized as
deposits from members and short term borrowings
from NCDC and banking system. However, ARDBs still
are unable to advance crop loans at 7% interest p.a. as
crop loan interest subvention scheme of Government
of India is not extended toARDBs.
The financial performance of institutions in the
structure started declining since 90s due to heavy
overdues and losses in Govt sponsored schemes, long
regime of regulated interest rates without allowing
adequate margins to meet their transaction and risk
costs and implementation of debt waiver scheme in
1990 by Central Govt without fully reimbursing the
loans written off under the scheme. In fact, all rural
financial institutions including Commercial banks,
RRBs and Short Term Cooperative Credit Structure also
incurred heavy financial losses due to the above
reasons. While such losses of the Commercial banks,
RRBs and STCCS have been compensated by the
government through various revamping processes,
the losses of ARDBs continue to remain
uncompensated. Even though Task Force No.2 for
LTCCS headed by Prof. Vaidyanathan recommended a
revival package comprising of one time assistance by
Central and State Govts for recapitalisation ofARDBs in
2006, it has not been operationalised so far.
The undue delay in implementing the revival package
has considerably affected the ability of the structure to
meet the credit needs of its members. In spite of these
setbacks, the structure continues to be relevant and
needs to be strengthened to arrest the rapid fall in the
proportion of investment credit in the total flow of
farm credit. The revitalization of the structure involves
transformation of SCARDBs and PCARDBs into self-
reliant member driven organizations capable of
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60thAnnual Report2019-20
delivering financial services to the rural sector
effectively, in a competitive environment with focus on
capital formation in agriculture.
Deteriorating recovery climate is another major
challenge faced by ARDBs. Aggregate average loan
recovery at the ground level has been hovering around
50% in the last few years.Though loans are secured by
mortgage of land recovery of loan by selling
agricultural land is difficult in many States. Inability of
the structure to give production credit/working capital
loans along with investment credit results in full
benefits of investments not accruing to borrowers
who are not able to access short term loans from other
agencies. Further, ARDBs which have not introduced
short term loan products and saving products are
unable to maintain regular contacts with borrowers
which is necessary for high rate of repayment. Loan
waivers though may be done as an one time measure,
gives rise to expectations of further waivers in the
future leading to total break-down of agricultural
credit system which cannot function without recycling
of resources.
A significant event in the history of Long Term
Cooperative Credit Structure (LTCCS) in India has been
the establishment of the National Co-operative
Agriculture and Rural Development Banks’ Federation
Ltd (NCARDBF) in 1960. Since its inception, the
Federation has been playing an important role in the
growth of institutions in the sector. It has established
effective coordination and promoted understanding
among member banks and liaison with Central and
State Governments, NABARD and financing agencies
of SCARDBs.
Activities of the Federation also include organizing
Seminars and Workshops, undertaking research
studies and formulation of Plans and programmes
through its Planning, Research and Development Cell,
compilation and publishing of statistics of member
banks’ operations, sponsoring of study teams,
coordinating investments in debentures, undertaking
special training programmes, publicity work, providing
guidance and advice on issues relating to operations
and governance. The quarterly Land Bank Journal
published by the Federation since last 56 years has
gained considerable popularity. The Federation is also
assisting member banks in business development and
expansion by designing new products.
Lobbying with the Government for implementing
revival package comprising of recapitalisation and
reforms, guiding SCARDBs in self-driven reform
initiatives and guidance and support to member banks
in resource mobilization, recovery and NPA
management, business expansion and diversification
continued to be the thrust areas of Federation’s
activities during the year.
Demand for revival package has been the main focus
of Federation’s lobbying with Central Govt in the last
few years. Vaidyanathan Task Force recommended
revival package for LTCCS in 2006 and Government
announced its implementation in the Union Budget for
2008-09. Subsequently, a revival scheme was also
approved by Union Budget 2009 which,however,could
not be circulated due to Lok Sabha election of 2009
was notified soon after that. After elections, Ministry
of Finance appointed a Committee headed by Shri
Chaturvedi, then Additional Secretary (Finance) to
review the revival scheme in the light of
implementation of Agricultural Debt Waiver & Debt
Waiver Scheme of 2008. Chaturvedi Committee
submitted its report in February 2010 recommending
implementation of this revival scheme for long term
cooperative credit structure with certain minor
Lobbying
Revival package forARDBs
FEDERATION DURING 2019-20
modifications. However, no further action was taken
to implement this scheme thereafter. Federation has
been taking up this matter with various authorities in
the Government including Prime Minister and Finance
Minister from time to time. Federation has also
convened Meetings of Parliamentarians on this issue.
Federation has submitted fresh memorandum on this
issue to Hon’ble Prime Minister in the eve of this year’s
Union Budget pointing out the need to revive
institutions in the long term cooperative credit
structure to boost capital formation in agriculture and
to address the credit crisis faced by their member
farmers.
The delay in implementing the package aggravated
financial weakness of ARDBs and drastically reduced
their capacity to meet the credit requirements of
about 107 lakh farmers who by and large are unable to
access credit from other agencies since their land is
already mortgaged with ARDBs. Implementation of
the proposed revival package is the only solution to
address credit crisis faced by them. The structure
which is present in all major states with a network of
2600 outlets has the potential of expanding its annual
lending at least by 5 times in the short run from the
present level of about 5000 crs, if revived.
There is consensus among institutions in the LTCCS as
well as their stakeholders including State Govt and
NABARD that ARDBs should be converted as regular
banks to make them resource based institutions
capable of meeting the credit needs of their members
adequately and restoring its relevance in the rural
financial system. Converting ARDBs into full-fledged
banking institutions was one of the major
recommendations of Capoor Committee which
submitted its report in 1999. Based on the
recommendations of Capoor Committee, the RBI in
May 2002 constituted a Working Group to consider
norms for conversion of ARDBs into full-fledged banks.
However, after a few meetings the Working Group was
dissolved, before submitting its report with the
observation that, looking at their financial strength and
performance time did not come for ARDBs to become
full-fledged banks.
Later on, Vaidyanathan Task Force II in its report also
suggested that “if on date, or in the future any entity
within this structure fulfils the conditions necessary
for obtaining a banking licence, the banking regulator
may consider it on merit.” However, the banking
regulator has not prescribed the conditions necessary
for obtaining a banking licence byARDBs,so far.
Another issue in licensing ARDBs is its structural
pattern. As per the provisions of Banking Regulations
Act, only a state cooperative bank or a district central
cooperative bank or a primary cooperative bank is
eligible for banking licence. A state cooperative bank
and a district central cooperative bank are defined as
principal cooperative society for the state or district
respectively as notified by the State Govt. Since none
of the SCARDBs or PCARDBs are notified as principal
cooperative society for any state or district they are
not eligible for banking licence in the category of a
state cooperative bank or a district central cooperative
bank. However, under the extant provisions of BR Act,
ARDBs can still be licensed as Primary Cooperative
Banks. Unitary SCARDBs are qualified to be licensed
as Primary Cooperative Banks without any structural
change while there is consensus among federal
SCARDBs to adopt unitary structure if it becomes
necessary for getting banking licence.
In response to Federation’s representation on the
subject, RBI has recently informed that the suggestion
could not be considered favourably without assigning
any specific reasons. Federation continues to pursue
the proposal with GOI and RBI.
The interest subvention scheme for crop loans
implemented by Govt of India is presently not
extended to farmers who avail crop loans from ARDBs.
The Federation has been persistently taking up with
Ministry of Finance to address this issue by including
Restructuring ofARDBs into Banks
Crop loan interest subvention scheme
`
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60thAnnual Report2019-20
SCARDBs in the list of institutions through which the
crop loan interest subvention scheme is implemented.
Another option is to channelize the crop loan refinance
to SCARDBs through SCBs by providing a special
additional allocation in the limit for crop loan refinance
sanctioned to SCARDBs. NABARD Chairman in his
meeting with representatives of the Federation on 6th
March 2019 informed that such a proposal is under its
active consideration which, if implemented, will help
SCARDBs to give crop loans to their long term
borrowers at interest rates on par with other banks.
Core Group for Reform Initiatives constituted by
SCARDBs continue to have regular meetings in most of
the banks. CGRI has been concentrating on deepening
of self-driven reforms at the ground level. CGRI also
reviews the impact of reforms already initiated in the
core areas of new avenues of mobilising resources,
introduction of new products, identifying critical areas
and taking corrective actions to improve the rating of
SCARDBs, preparation of manuals on functional areas
with a view to evolve consistent policies and well
documented procedure specifying authority and
accountability at various levels as well as recovery and
NPA management.
The focus of CGRI meetings during 2018-19 was
preparation and implementation of special revival
plans by SCARDBs with thrust on resource
augmentation, business expansion, NPA management
and computerisation. During 2019-2020, the Managing
Director had attended the two CGRI meetings
convened by Gujarat and Rajasthan SCARDBs and
guided the banks.
The two Conferences of Principal Secretaries of
Cooperation and Registrars of Cooperative Societies
organised by the Federation in 2012 and 2014 made
several important recommendations for improving
legal and policy environment of ARDBs and improving
their working in general. Priority to SCARDBs in giving
govt guarantee along with simplifying the procedure
thereto and waiving guarantee fee or keeping such
fees at lower rate in case waiver not possible,waiver of
stamp duty and registration fee which is yet to be done
in some States, introducing the system of loan
documents being executed by the bank and sending
the same to sub registrar directly by the bank without
involving the borrower which also needs to be
introduced in a few more States, removing restrictions
on legal recovery measures with regard to wilful
defaulters, vesting sale powers with bank officials
which also has not yet been implemented in some
States, giving permission for accepting deposits by
ARDBs in a couple of States where it has not been done
so far, amendment in the ARDB/State Cooperative
Societies Act to enable ARDBs to meet short term
credit needs of members, doing away with separate
approval by the Govt for recruitment of staff as per the
approved staff pattern etc. were among the important
recommendations relating to State Govts made by the
above Conferences. The Federation is continuously
following up these recommendations with State Govts
concerned.
Absence of further financial support to supplement
investment credit is a major shortcoming in the
working of ARDBs.ARDBs generally give only long term
loans leaving the short term credit needs of their
members unattended and making them dependent on
informal sources for such credit at exorbitant interest
rates. Inadequate availability of short term credit also
leads to sub-optimum utilisation of long term assets
financed by ARDBs which affects borrowers’ income
and repaying capacity. Further, high cost of informal
credit reduces the capacity of members to repay loans
availed from the bank. Frequent contact of the
borrower with the bank is necessary for timely
repayment of loan is also not possible in the absence
of further credit support after issuing investment
credit.
Reform initiatives
Follow-up with State Governments for enhancing
policy support to SCARDBs
Credit Limit to meet Short term credit needs of
long term borrowers
Core Group for Reform Initiatives (CGRI)
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60thAnnual Report2019-20
Fixing supplementary credit limit which can be
operated like a revolving cash credit to borrowers of
long term loans will serve the twin purpose of meeting
short term credit needs and improving loan recovery
by increased borrower contact and reduced
dependence of borrowers on informal sources of
credit. Following are the salient aspects of the
scheme.
• To start with SCARDB needs to assess the
requirement of funds to finance the scheme and
arrange for mobilising required funds through
deposits, borrowings from NCDC, short term
credit structure,commercial banks etc.
• Depending on the availability of funds, credit
limits may be fixed as a certain percentage of
investment credit sanctioned to a member.
• In the case of fresh long term loans, credit limit
should be an essential additional component. In
the case of existing loans credit limit being
sanctioned in the case of non-overdue loans.
• The quantum of credit limit to be fixed on the
basis of requirement, repaying capacity, security
and availability of funds which can be used for the
purpose.
• Credit limit can be sanctioned on the basis of
residual market value of security given for long
term loan.
• Credit limit can be operated by the borrower like a
revolving cash credit subject to payment of
quarterly interest and repayment of outstanding
principal at the end of its tenure.
• Credit limit which is sanctioned for one year is
renewed in subsequent years subject to
fulfilment of terms and conditions including
timely payment of instalment in other loans.
• The interest on credit limit is being charged on the
basis of actual drawals on a quarterly basis.
• Interest rate on drawals from credit limit be fixed
based on cost of funds plus reasonable margin to
meet transaction and risk costs for both SCARDB
and PCARDBs.
The model Recovery Policy for member banks finalized
by the Board of the Federation recently, envisages
significant changes in the loan and recovery systems.
Banks need to view recovery as an essential part of
credit cycle and not just as the final step, so that loan
officers remain responsible for recovery of loans
during the life of the loan. Timely detection of issues in
the loan account can avoid default in repayment to a
great extent. The system of quarterly/half
yearly/annual due dates generally followed in
agricultural term loan makes early detection difficult
since by the time a loan account is identified as
problematic when one or more instalments are
defaulted, the amount of arrears surges beyond the
capacity of the borrower to pay in the normal course.
Agriculture is prone to specific risks such as climate
risk, price risk, risk of pests and diseases. In spite of
reforms introduced in crop insurance through Pradhan
Mantri Fasal Bima Yojana the coverage of Crop
Insurance at peak level in the last two years was
limited to 40-45% of farmers. Similarly, there is a
growing feeling that huge amount of Central and State
Government subsidy going into crop insurance
scheme actually benefits only the Insurance
Companies as annual compensation payouts under
crop insurance scheme is only to the extent of 60-65%
of gross premium collected, that too with huge delay in
disbursements. The total payouts under PMFBY in the
last two years were only 31613 crores against gross
premium collection of 470408 crores. It is reported
that crop insurance enrolment has come down by 15%
this year, which is attributed to a great extent to issues
in claim approvals and getting compensations. Apart
from crop loss, farmers often suffer substantial losses
due to destruction and damage of farm assets in
extreme weather events, which have become
Model Recovery Policy
`
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60thAnnual Report2019-20
frequent in recent times. At the same time, farmers
generally are shy of insuring farm assets due to high
costs. Like crop insurance scheme, there is need for a
Farm Assets Insurance scheme with the financial
support of Government to address this problem. In
fact, a portion of the huge surplus generated under
Crop Insurance scheme at present, can be used for
implementing such a scheme. Presently farm assets
by and large remain uninsured. The uncompensated
losses of farmers on this account significantly
increase the risks for banks which finance such
assets. The model recovery policy suggests that the
banks should endeavor to make clients aware of
these risks and should take such risks into account in
the loan design. It is necessary to make a provision
for rescheduling instalments due under agriculture
term loan in a bad crop year either partly or wholly
depending on the extent of losses and the impact of
such losses on overall repaying capacity of the
clients.
Lack of financial literacy among rural clients is
another issue coming in the way of timely
repayment. It is observed that clients who do not
keep records of income and expenses, in spite of
having capacity and will, fail to pay on time due to
poor management of cash flow. ARDBs should also
help such clients to accumulate their routine savings
by extending the facility of thrift and saving accounts.
Adequate arrangements for financing working
capital/production credit needs of clients who avail
investment credit, sanctioning of loan and fixing loan
period and due dates strictly based on repaying
capacity, regular monitoring of activities undertaken
by clients using the loan, introducing incentive
scheme to clients for timely repayment,
incentive/penalty systems for loan officers for their
performance in recovery, cluster based group
approach, especially in sanctioning small loans to
facilitate regular and continuous follow up, avoiding
wasteful expenditure on the part of the borrowers to
complete loan procedure, intensive pre-due date
follow up and following a prescribed standard
procedure for carrying out post-due date recovery
follow up are the other major highlights of the model
recovery policy.
The model recovery policy views legal recovery more
as a deterrent than as a means to achieve recovery
targets. While rescheduling and restructuring with
additional period with lower instalments and waiving
a portion of charges are recommended for making
overdue loan accounts regular when reasons for
default are genuine, legal recovery is the only option
in the case of clients who avoid repayment in spite of
having ability to pay. It is seen that completing legal
recovery process effectively in a few cases can
drastically bring down the incidence of wilful default.
Giving state wide publicity to auction for sale of
mortgage property, ensuring participation of
prospective buyers from other districts in the
auction, sanctioning loans to prospective buyers
wherever required, outsourcing legal support for
completing sale procedure in case of shortage of
staff etc. are some of the suggestions to make legal
recovery effective.
ARDBs have been mobilizing deposits under two
schemes as below.
1) Acceptance of term deposits from public
including individuals and institutions based on
NABARD/RBI guidelines in 1997, subject to
following conditions.
(i) Tenure of deposits should be more than
one year.
(ii) Deposits outstanding should not exceed
networth of the work at any time.
2) Acceptance of member deposits without tenure
restriction or ceiling including thrift deposits,
based on schemes approved by the Board.
Deposit Mobilisation by ARDBs suffered setback
Deposit Mobilisation byARDBs –
Scheme of Deposit Mobilisation
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60thAnnual Report2019-20
during the last 2 years due to unreasonable
restrictions imposed by NABARD on accepting short
term deposits from members. NABARD has since
withdrew the restrictions after the enactment of
Banning of Unregulated Deposit Schemes Act (BUDS)
Act 2019.
With the enactment of BUDS Act 2019, the powers to
regulate deposit schemes of ARDBs now solely vest
with State Govt concerned. Under the provisions of
BUDS Act, ARDBs can collect deposits from their
voting members as well as from others based on
schemes approved by State Govt.
Based on the recommendations of the Working
Group for increasing the share of Investment Credit
by ARDBs under the chairmanship of Shri Y.C, Nanda,
ex-Chairman, NABARD and subsequent discussions
held with the Chairman, NABARD on 06th March
2019, NABARD has decided to increase the
repayment period of LTRCF refinance given to
SCARDBs to 9 years from the current financial year.
This will help banks to avoid Asset Liability mismatch
on account of using short tenure refinance for
issuing long tenure loans. However, on the
restructured refinance product the concessional
interest as applicable to LTRCF shall be available only
for the first 5 years. For the balance outstanding
after 5 years, NABARD will charge interest as
applicable to normal refinance prevailing in the
beginning of 6th year, which will continue as such till
completion of repayment. The Federation vide its
circular No.11(Refinance)/2019-20/149 dated 28th
June 2019 advised the SCARDBs to fix the rate of
interest on loans based on average cost of funds
used for farm sector lending to make available the
benefit of lower interest rate of LTRCF to all farm
sector borrowers since LTRCF funding support
cannot be confirmed against a particular loan at the
time of sanction and disbursement when rate of
interest of loan has to be fixed.
Even though NABARD allows LTRCF refinance upto 9
years, it will be beneficial for the bank and the
borrower to issue 5 year loans and continue to avail 5
year LTRCF as much as possible in view of the
substantially higher interest rate n such refinance
after 5 years, which will also negatively impact
repayment/ recovery of the loan after the initial 5
years.
The National Cooperative Agriculture & Rural
Development Banks’ Federation organized the
National Conference of ARDBs 2019 at New Delhi on
21st November 2019. The participants of the
Conference consisted of State Cooperative
Agriculture & Rural Development Banks as well as
member State Cooperative Banks of the Federation,
114 PCARDBs from var ious States and
representatives of NABARD, NCUI, NCDC, National
Informatics Centre and various National Federations.
“Deepening of Internal Reforms for Enhancing the
Role of ARDBs in Agriculture and Rural Credit” was
the theme of the Conference. The Inaugural Session
was followed by presentations of the Conference
theme and subthemes in the three business
sessions.
The Conference was inaugurated by Shri Parshottam
Rupala, Hon’ble Minister of State for Agriculture and
Farmers Welfare. The function was chaired by Dr.
Chandra Pal Singh, MP, President, NCUI. Shri K.
Sivadasan Nair, Chairman, NCARDBF welcomed the
Guests and delegates to the Conference.
The business sessions of the Conference consisted
of seminars on Deepening of Internal Reforms for
Enhancing the Role of ARDBs in Agriculture and Rural
Credit, internal reforms in LTCCS, NABARD’s vision on
the future of LTCCS, HR scenario in LTCCS, farmer
producer organisations, rating and risk management
in the context of LTCCS, sustainable development
Restructured Refinance Product including LTRCF
and normal refinance
National Conference ofARDBs 2019
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60thAnnual Report2019-20
and agricultural cooperatives, computerization in
ARDBs. Shri Y.C. Nanda, Ex.Chairman, NABARD, Smt.
SaritaArora,Chief General Manager,NABARD,Dr.A.V.
Bhawani Shankar, Dy. General Manager, NABARD,
Shri D.K. Dekatey, Asst. General Manager, FSDD,
NABARD, Shri P.V. Prabhu, Ex.Chief Executive,
NCARDBF & Trustee-Secretary, NIRB, Shri N.
Satyanarayana, Chief Executive, NCUI, Prof. Alok
Mishra, Management Development Institute,
Gurugram, Shri D.N. Thakur, Ex. Dy. Managing
Director, NCDC, Shri Vaibhav Agarwal, Deputy
Diector, National Informatics Centre made
presentations in the seminar sessions.
Major recommendations/action points of the
Conference are listed below.
• State and Central Government support and
cooperation is necessary in implementing the
structural reforms suggested in the
Vaidyanathan Task Force II Report.
• Government of India should consider
recapitalization of ARDBs without further delay
as they are the only agency helping in creation
of capital formation in agriculture which has
been left out in the restructuring process.
• Interest subvention scheme for crop loans need
to be extended to borrowers of ARDBs to enable
them to get crop loans at affordable cost.
• RBI/GoI need to evolve norms for granting of
licensing to eligible SCARDBs as banks.
• The State Government may be requested to
appoint a Committee at State level consisting of
representatives of stakeholders, NABARD to
study the working of ARDBs and to suggest
measures to strengthen them.
• Consequent upon the enactment of Banning
Unregulated Deposits Schemes (BUDS) Act,
2019, State Governments to help ARDBs in
drawing up deposit schemes to augment short
term resources.
• NABARD to consider refinance support for
advancing crop loans at affordable rate.
Increased support from LTRCF to moderate
average cost of funds. Waiving risk cost of
refinance in case of refinance risk proofed by
government guarantee.
• Qualitative change in the governance through
introduction of ‘Fit & Proper’ criteria and
management and ensuring active member
participation.
• Accelerated Recovery drive initiated by the
Federation need to be continued with renewed
vigour with the support of State Government.
• The Federation need to constitute a high level
team to study various aspects of the functioning
of LTCCS and bring out remedial measures for
their revival by preparing a road map for follow-
up indicating the areas for different
stakeholders. GOI would favourably consider
the legitimate demands of the structure based
on the above exercise.
ARDBs to take following measures to step up
investment credit.
i) Increasing coverage and outreach by opening
customer service points and ultra-small
branches and appoint business correspondents
in potential areas.
State Government/Govt of India/RBI
NABARD
Federation
SCARDBs/PCARDBs
(Action:
State Govts/GoI)
(Action:GoI)
(Action:GoI)
(Action:
RBI/GoI)
(Action: State
Governments)
(Action :State Govts)
(Action:NABARD)
(Action: NABARD)
( A c t i o n : A R D B s / F e d e r a t i o n / S t a t e
Governments)
(Action:Federation)
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60thAnnual Report2019-20
ii) Diversifying to agricultural value chain
financing.
iii) Addressing on priority critical issues affecting
risk rating and eligibility for NABARD’s refinance.
Augmenting resources for lending by
i) Expanding avenues for borrowings and
strengthening capital base for higher borrowing
capacity.
ii) Introducing deposit schemes with the approval
of State Govts and enhancing mobilization with
consistent growth in deposits outstanding.
Introducing short term loan products to meet
production/working capital/contingent credit
needs of members.
Speeding up technology adoption and setting
time frame for completing the process.
Initiate steps to enable PCARDBs to function as
Multi Service Centres.
To promote FPOs by providing credit support to
private initiatives as well as directly undertaking
storage, processing and marketing of produce
of members to increase their income.
To streamline and revamp credit delivery
process to face competition from other RFIs.
Financially strong SCARDBs to go for rating by
accredited rating agencies to borrow from
commercial banks on favourable terms.
Banks to continue with renewed vigour
accelerated recovery drive based on guidelines
of the Federation to bring down overdues and
NPAs within tolerable limits.
Banks to institutionalise reforms in lending and
recovery systems by proper documentation and
incorporating them in their byelaws and rules.
Augmenting capital base for attaining desirable
CRAR by increasing the minimum shareholding
of non-borrowing members to Rs. 500 and
accepting long term deposits which qualify for
Tier II capital and unlocking capital funds locked
up in provisions against NPAs.
Revamping/reviving JLTCs by all SCARDBs as per
guidelines for accreditation by C-PEC.
Strengthening middle management in SCARDBs
by recruiting a team of 3-4 professionals
(Chartered Accountants, Chartered Financial
Analysts, MBAs from reputed management
schools etc.).
Revamping recruitment policy for avoiding
delay in filling up vacancies.
In the meeting held on 04th December 2019, the
Chairman and other representatives of the
Federation brought to the notice certain serious
issues requiring the intervention of the Government
like extending crop loan interest subvention of the
Government to SCARDBs,no budgetary allocation for
investment in the debentures of SCARDBs during
2018-19 and 2019-2020 and requested for restoring
the scheme for investment in the debentures of
LDBs.
Outstanding issues relating to refinance policy of
NABARD with respect of SCARDBs were discussed in
the meeting. The Federation welcomed the funding
support to PCARDBs for extending refinance support
to unitary SCARDBs also for developing Multi Service
Centres. Making available short term refinance to all
SCARDBs which is now restricted to SCARDBs in low
risk category and allocated a portion of LTRCF
refinance for advancing crop loans as an essential
Meeting with Shri Vivek Agarwal, IAS, Joint
Secretary & Central Registrar of Cooperative
Societies
Meeting with Chairman, NABARD on 6 February
2020
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60thAnnual Report2019-20
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60thAnnual Report2019-20
component of composite term loans were the
important suggestions made by the Federation in the
discussions with NABARD.
A delegation from the Federation met Shri
ParshottamRupala, Hon’ble MoS for Agriculture &
Farmers Welfare on 12 March 2020 to represent on
outstanding issues in the sector requiring the
support of the Govt. The delegation was headed by
Federation’s Board Member Shri Parbatbhai Patel,
MP, Shri K. Shadakshari, Vice Chairman, NCARDBF,
Shri K.K. Ravindran, Managing Director, NCARDBF,
Shri Charandev Singh Mann, Managing Director,
Punjab SCARDB and Shri V.M. Chaudhari, General
Manager,Gujarat SCARDB. The delegation requested
the intervention of Hon’ble Minister for reactivising
the proposal regarding revival package for LTCCS
based on the recommendations of VTF II, extending
Govt of India’s crop loan interest subvention scheme
to SCARDBs, evolving norms for tor giving banking
licence to ARDBs and reviving budget allocation for
contributions to the debentures of SCARDBs on
matching basis with State Govts.
Initial 3 year contract between SCARDBs and NIC has
now been expired in some States. The National
Informatic Centre (NIC) has now agreed in principle
to renew the contract, subject to terms and
conditions being discussed and mutually agreed
upon and suggested the Federation to arrange a
meeting of representatives of concerned SCARDBs
with NIC sometime in the second week of April 2020.
In the meantime, Member banks were advised to
inform the Federation issues and disputes, if any, to
be discussed and sorted out with NIC at the earliest.
Federation publishes Land Bank Journal since 1962.
Journal publishes research articles and news on
Agriculture Rural Credit and Cooperation. We also
cover important events in the sector and reports on
activities of member banks in the publication.
Collection and compilation of statistics relating to
member banks' operations and publication of Annual
Statistical Bulletin is also undertaken by the Cell.
Federation is trying to make this important
publication up to date by streamlining the reporting
system in order to remove the delay in getting
ground level data.
Federation collects and compiles data on member
banks' key operations on a monthly basis for review
at its level and reporting to Govt. of India. Loan
disbursements, Recovery performance, Borrowings
and Deposit Mobilisation are the main areas covered
in the monthly progress report.
Delegation to Shri Parshottam Rupala, Hon’ble
MoS for Agriculture & Farmers Welfare on 12
March 2020
Computerisation of ARDBs – Renewal of
Contract with NIC
Publications
LAND BANK JOURNAL
Annual Statistical Bulletin
Monthly Progress Report ofARDBs
At National level
National Cooperative Union of India (NCUI)
Cooperative Bank of India (COBI)
Centre for International Cooperation and Training
inAgricultural Banking (CICTAB)
International CooperativeAlliance (ICA)
Asia and Pacific Regional Agricultural Credit
Association (APRACA)
International Raiffeisen Union (IRU)
Federation is affiliated to the following organizations
at the national level.
Federation is a member of NCUI and associates
actively with its programmes. Shri K. Sivadasan Nair,
Chairman, is Federation’s representative in the
General Body of NCUI, who is also elected to the
Governing Council.
Federation is one of the founder members of COBI.
Shri K. Sivadasan Nair, Chairman of the Federation was
nominated to the General Meeting of COBI and is also
an elected member in the Board.
National Film and Fine Arts Cooperatives Ltd.
(NAFFAC)
Shri K. Ravinder Rao, Vice Chairman of the Federation
represents the General Body and Board of NAFFAC.
National Cooperative Development Corporation
(NCDC)
Shri K.K. Ravindran, MD, Federation has been
nominated as a Member of General Council of NCDC by
Govt of India under Section 3(4)(XVII) of NCDC Act
1962.
Federation is also holding associate membership with
the following organizations.
• Indian Merchants Chamber (IMC)
• Indian Banks'Association (IBA)
• Indian Society for Studies in Cooperation
• IndianTourism Cooperative Ltd. (ITC)
MD, Federation is a member of General Council of
CICTAB.
Federation is a member of ICA global as well as ICA
Asia-Pacific Region. Federation also associates with
various Committees of ICA.
Shri K. Sivadasan Nair, Chairman is elected as
Chairman of ICAAP Committee on Banking and Credit.
Shri Nair was also elected as Vice President of
International Cooperative Banking Association (ICBA)
which was reconstituted in the ICA Global Assembly
held in Kigali in October 2019.
Federation is a founder member of APRACA. Shri K.K.
Ravindran, MD, Federation is a member of its General
Body since 1996.
Federation is a member of IRU. Chairman represents
the Federation in the General Body of IRU.
At International level
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60thAnnual Report2019-20
AFFILIATIONS
General Body
The General Body consists of members of the
Federation, represented by the Delegates nominated
by the Board of Directors of the respective bank.
Following is the list of members of the Federation.
1. Assam State Co-operative Agriculture & Rural
Development Bank Ltd.,Guwahati.
2. The Multi State Cooperative Land Development
Bank Ltd. (Bihar- Jharkhand)
3. Gujarat State Co-operative Agriculture & Rural
Development Bank Ltd.,Ahmedabad.
4. Haryana State Co-operative Agriculture & Rural
Development Bank Ltd.,Panchkula.
5. Himachal Pradesh State Co-operative Agriculture
& Rural Development Bank Ltd.,Shimla.
6. Jammu & Kashmir State Co-operative Agriculture
& Rural Development Bank Ltd.,Srinagar.
7. Karnataka State Co-operative Agriculture & Rural
Development Bank Ltd.,Bangalore.
8. Kerala State Co-operative Agricultural & Rural
Development Bank Ltd.,Thiruvananthapuram.
9. Orissa State Co-operative Agricultural & Rural
Development Bank Ltd.,Bhubaneshwar.
10. Pondicherry Co-operative Central Land
Development Bank Ltd.,Pondicherry.
11. Punjab State Co-operative Agricultural
Development Bank Ltd.,Chandigarh.
12. Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.,
Jaipur.
13. Tamil Nadu Co-operative State Agriculture &
Rural Development Bank Ltd.,Chennai.
14. Tripura Co-operative Agriculture & Rural
Development Bank Ltd.,Agartala.
15. Uttar Pradesh Sahakari Gram Vikas Bank Ltd.,
Lucknow.
16. West Bengal State Co-operative Agriculture &
Rural Development Bank Ltd.,Kolkata.
17. Delhi State Cooperative Bank Ltd.,New Delhi.
18. Meghalaya Co-operativeApex Bank Ltd.,Shillong.
19. Telangana State Co-operative Apex Bank Ltd.,
Hyderabad.
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Sr.No. Name of Board Member Member Bank representing
Board of Management
As per Byelaw No. 20 (iii), the Board of Management of the Federation consists of 19 Directors elected by the
General Body, 1 Director being nominated by the Central Govt., 2 Directors co-opted by the Board apart from
Managing Director, who is ex-officio member of the Federation. 4 positions of elected members representing
member banks are vacant.
The Board of Management of the Federation consists of the following persons :- (As of September 2020)
60thAnnual Report2019-20
1. Shri K. Sivadasan Nair Kerala State Cooperative Agricultural & RuralChairman Development Bank Ltd.
2. Shri K. Shadakshari Karnataka State Cooperative Agriculture &Vice Chairman Rural Development Bank Ltd.
3. Shri Bijay Kumar Singh Multi State Cooperative Land DevelopmentVice Chairman Bank Ltd. (Bihar-Jharkhand)
MANAGEMENT OF THE FEDERATION
- 24 -
Sr.No. Name of Board Member Member Bank representing
4. Shri K. Ravinder Rao Telangana State Cooperative Apex Bank Ltd.Vice Chairman
5. Shri Marchynna Syiem Meghalaya Cooperative Apex Bank Ltd.Vice Chairman
6. Shri Parbatbhai Patel, MP Co-opted
7. Dr. Bijender Singh Delhi State Cooperative Bank Ltd.
8 Shri R. Parimel Azhagan Tamil Nadu Cooperative State agriculture &Rural Development Bank Ltd.
9 Shri Moinul Hassan West Bengal State Cooperative Agriculture & RuralDevelopment Bank Ltd.
10 Shri Balwinder Singh Punjab State Co-operative AgricultureDevelopment Bank Ltd.
11. Shri Arvind Kumar Singh Uttar Pradesh Rajya Sahakari Gram Vikas Bank Ltd.
12. Shri Jitendra Prasad Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.
13. Shri V.M. Chaudhari Gujarat State Cooperative Agriculture & RuralDevelopment Bank Ltd.
14. Shri Naresh Goyal Haryana State Cooperative Agriculture &Rural Development Bank Ltd.
15. Shri Vivek Chauhan (HPAS) Himachal Pradesh State CooperativeAgriculture & Rural Development Bank Ltd.
16. Shri Mohammad Aslam Bhat Jammu & Kashmir State CooperativeAgriculture & Rural Development Bank Ltd.
17. Shri Pramod Reang, MLA Tripura Cooperative Agriculture &Rural Development Bank Ltd.
18. Shri K.K. Ravindran Managing Director, NCARDB Federation
60thAnnual Report2019-20
Executive Committee
(1) Shri K.Sivadasan Nair,
(2) Shri K.Shadakshari,
(3) Shri Bijay Kumar Singh,
(4) Shri K.Ravinder Rao,
(5) Shri M.Syiem,
(6) Shri K.K.Ravindran,
Administrative Committee
As per Byelaw No. 26(a), Executive Committee shall
consist of Chairman, 4 Vice Chairmen, Managing
Director and 5 Board members elected by the Board.
Chairman
(Kerala State Cooperative Agriculture & Rural
Development Bank Ltd.)
Vice Chairman
(Karnataka State Cooperative Agriculture & Rural
Development Bank Ltd.)
Vice Chairman(Multi State Cooperative Land Development Bank
Ltd. Bihar - Jharkhand)
Vice Chairman(Telangana State Cooperative Bank Ltd.)
Vice Chairman(Meghalaya CooperativeApex Bank Ltd.)
As per Byelaw No. 27(a), the Administrative Committee
consists of Chairman, 4 Vice Chairmen and the
Managing Director. Following are the members of
Administrative Committee as of September 2020.
Managing Director,NCARDBF
(3 positions remained vacant as of September 2020)
- 25 -
Important issues discussed in Board Meetings
The Board Meetings continued to be the main forum
for discussing the policy and operational issues related
to rural credit apart from reviewing the operations of
member banks.
During the year under report, the Board, besides
discussing regular items related to business
operations of member banks and periodical review of
performance under NABARD refinance, advances,
recovery etc. also considered and discussed the
following subjects in its meetings.
1. Report of the Working Group on enhancing the
share of ARDBs in Investment Credit – Action
points for Federation and Member banks.
2. Model Recovery Policy for farm and non-farm
term loans.
3. Communication to SCARDBs regarding actions
required to step up lending and drawalof
refinance.
4. Review of the sub – Committee on Undertaking
Income generating activities through Subsidiaries
under Byelaw No.3(b)(xiii).
5. Interest rates on NABARD’s refinance with effect
from May10,2019.
6. Organising Training programmes for Non-Official
Directors of SCARDBs and Directors in the Branch
advisory Committees of PCARDBs during
2019-20.
7. The calendar of Programmes for the financial year
2019-20.
8. Review of performance of SCARDBs during
April’18 – March’19 in key operational areas.
9. Long term Refinance Policy for PCARDB’s as Multi
service Centers through SCARDBs- Refinance
policy for 2019-20.
10. Banning of Unregulated Deposit Schemes (BUDS)
Act 2019.
11. National Conference of ARDB- Proceedings and
action Points.
12. Action Plan to enhance market share of ARDBs in
Investment credit.
13. Long Term Refinance for Investment Credit for
Agriculture- Long Term Rural Credit Fund 2019-20
(LTRCF) – SCARDBs
14. Interest rate on NABARD Refinance.
15. Licensing State Cooperative Agriculture & Rural
Development Banks (SCARDBs) within the
Purview of BR Act. – Letter from RBI Dt. 7 August
2019.
16. Dairy Entrepreneurship Development Scheme
(DEDS) - Contribution of the scheme for the
financial year 2019-20- Revision in the margin
requirement.
17. Review of performance of SCARDBs during
April’19 – October’19 in key operational areas.
(1) Shri K.Sivadasan Nair,
(2) Shri K.Shadakshari,
(3) Shri Bijay Kumar Singh,
(4) Shri K.Ravinder Rao,
(5) Shri M.Syiem,
(6) Shri K.K.Ravindran,
Chairman
Vice Chairman
Vice Chairman
Vice Chairman
Vice Chairman
Managing Director
Meeting of General Body, Board and Executive Committee during the financial year 2019-20
The Meetings of the General Body, Board and Administrative Committee during the year under report with dates
and venues are listed below :
60thAnnual Report2019-20
Meetings Place Date
(a) Annual General Meeting
(b) Board of Management
Mumbai 10 June 2019
158 Boardth
Mumbai 10 June 2019
159 Board Hyderabad 18 January 2020th
The summary ofAssets and Liabilities and Income & ExpenditureAccounts for the year 2019-20 are given below:
ASSETS AND LIABILITIES ( in Lakhs)`
INCOME AND EXPENDITURE
Particulars
1. AMS & Additional contributions from member banks 84.90 77.97
2. Interest & Dividend Incomes 205.58 199.15
3. Grants received (GOI,NCUI, NABARD) 11.00 8.00
4. Miscellaneous Income / Guest House service charges 0.15 0.15
5. Recovery from BDDR, Excess Provision reversed & old Payables written off 0.46 24.96
1. Management Cost 125.80 114.86
2. Other Office Expenses 30.70 60.74
3. Meetings/Seminar/Conference Expenses/Award Function 18.32 8.09
4. Premises Maintenance Expenses 8.58 8.12
5. Provisions /Reserves 102.58 103.85
INCOME 2019-20 2018-19
TOTAL (1 to 5) 302.09 310.23
EXPENDITURE
TOTAL (1 to 5) 285.98 295.66
Surplus 16.11 14.57
( in Lakhs)`
- 26 -
Sr.No.
Amount
Sr.No. LIABILITIES As on Sr.No. ASSETS As on
TOTAL 2267.02 2233.11 TOTAL 2267.02 2233.11
31.3.20 31.3.19 31.3.20 31.3.19
1. Reserves & 2171.37 2143.37 1. Cash & Bank 15.03 12.38Other Funds Balances
2. Secured Loans 0.00 0.00 2. Investments 1919.12 1863.99
3. Other Liabilities 79.55 75.17 3. FixedAssets 212.11 218.85& Provisions
4. Surplus transferred 16.10 14.57 4. Sundry Debtors 116.33 94.33from Income & Exp.A/C & Receivables
5. Loans &Advances 0.98 6.25
6. LongTerm Capital 0.00 33.73Loss (c/f)
7. Sundry Deposits & 3.45 3.58Prepaid Exps.
60thAnnual Report2019-20
FINANCE AND ACCOUNTS
- 27 -
60thAnnual Report2019-20
BRIEF PROFILE OF MEMBER BANKS
Gujarat State Cooperative Agriculture & Rural Dev. Bank Ltd.
489, Ashram Road, Opp. Nehru Bridge, Navrangpura, Ahmedabad - 380 009
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 57965.12 58196.20 56001.13
Loans Disbursed 17762.88 14956.81 13652.26
Total Paid up Capital 4590.85 4532.39 4445.99
Free Reserves 54874.66 56036.78 25017.33
Capital to Asset Ratio (%) 49.07 49.05 56.95
Deposit Outstanding 26078.30 27041.55 26711.86
Borrowings Outstanding 39201.55 34226.78 40217.36
Net Profit 2100.14 2101.52 2525.00
Accumulated Loss, If Any - - -
CustodianShri Chetan N. Parmar
General Manager:Shri V. M. Chaudhari
On Loans : 11.00% to 13.00%On Deposit Collection : 5.75% to 6.00%
Interest RateStaff PositionAt SCARDB (HO & Branches) – 317+230(Contract/Fixed Bade)
Email [email protected] Telephone Nos. 079-26585365/70/71
Haryana State Cooperative Agriculture & Rural Dev. Bank Ltd.
Shakarita Bhavan, Bay No. 31-34, Sector 2, Panchkula – 134 112
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 196679.28 193118.05 187944.16
Loans Disbursed 7721.39 2644.00 7246.73
Total Paid up Capital 4509.36 4509.36 4361.02
Free Reserves 42144.90 42144.90 49587.18
Capital to Asset Ratio (%) NR NR NR
Deposit Outstanding 15.16 10.33 538.97
Borrowings Outstanding 165209.22 157359.64 136331.61
Net Profit/Loss* (3188.11) (7638.23) 6392.30
Accumulated Loss, If Any 37788.30 45426.53 39034.23NR - Not Reported. *Figures in Bracket indicate Loss.
Telephone No. 0172-2587040Email – [email protected]
Chairman Managing Director:Shri Naresh Goyal
Staff PositionAt SCARDB : 68At PCARDB : 743
On Loans :Interest Rate
12.00% to 13.00%On Deposit Collection : NR
- 28 -
60thAnnual Report2019-20
Himachal Pradesh State Cooperative Agri. & Rural Dev. Bank Ltd.
Block No. D-3, SDA Complex, Kasumpti,Shimla-171 009
Telephone No. 0177-2621437Email: [email protected]
ChairpersonSmt. Sashi Bala
Managing DirectorShri Vivek Chauhan, (HPAS)
Interest Rate
on Loans: NRon Deposit Collection: NR
Staff PositionAt SCARDB (HO & Branches): 170At PCARDB: 50
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 42423.13 45388.81 44091.67
Loans Disbursed 8217.82 8498.79 5813.49
Total Paid up Capital 2440.36 2606.35 2618.92
Free Reserves 2121.95 2121.95 2121.95
Capital to Asset Ratio (%) 10.76 10.58 10.24
Deposit Outstanding 10095.17 9910.55 10200.40
Borrowings Outstanding 27083.93 27716.86 24227.08
Net Profit/Loss* 127.43 22.80 (185.41)
Accumulated Loss, If Any - - 35.18NR - Not Reported. *Figures in Bracket indicate Loss.
Jammu & Kashmir State Cooperative Agri. & Rural Dev. Bank Ltd.
House No. 12, Post Office Lane, Hyderpora, Near Mubarak Hospital, Srinagar - 190 014.
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 5663.61 5788.43 5766.49
Loans Disbursed 1268.75 1182.79 904.43
Total Paid up Capital 2999.25 3016.92 NR
Free Reserves 14.05 237.63 NR
Capital to Asset Ratio (%) NR 51.12 NR
Deposit Outstanding 15059.47 16645.93 18033.67
Borrowings Outstanding 616.00 641.00 616.00
Net Loss 693.10 7993.97 9602.86
Accumulated Loss, If Any 6800.34 NR NR
NR - Not Reported.
Telephone No. 0194-2431892/2431965Email: [email protected]
Managing DirectorShri Mohammad Aslam Bhat
Staff PositionAt SCARDB (HO & Branches) - 239
Interest RateOn Loans – 14.50%On Deposit Collection – 7.75%
- 29 -
60thAnnual Report2019-20
Karnataka State Cooperative Agriculture & Rural Dev. Bank Ltd.
Tippu Sultan Palace Road, Chamrajpet, P.O. Box No.1811, Fort, Bangalore - 560 018.
Telephone No. 080-26702024/74Email – [email protected]
Interest Rate
on Loans – 3.00% to 6.00%
on Deposit Collection – 9.40%
Staff Position
At SCARDB : 306
At PCARDB : 575
President:
Shri K. Shadakshari, Ex. MLA
Managing Director:
Dr. K. C. Yathish Kumar, KCS
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
NR - Not Reported.
Loans Outstanding 179600.41 178226.78 177906.21
Loans Disbursed 19858.13 23377.07 26439.46
Total Paid up Capital 7662.56 7854.87 8228.55
Free Reserves 4829.59 4939.20 4657.36
Capital to Asset Ratio (%) 6.23 6.38 NR
Deposit Outstanding 36878.30 41469.07 47860.33
Borrowings Outstanding 148731.22 141693.40 125547.86
Net Profit 68.69 75.67 NR
Accumulated Loss, If Any - - -
Kerala State Cooperative Agricultural & Rural Dev. Bank Ltd.
Land Bank Building, Post Box No. 56,Statue Junction, Thiruvananthapuram - 695 001
Telephone No. 0471-2460595Email: [email protected]
President
Shri Soloman Alex
Interest RateOn Loans – NROn Deposit Collection – 6.75%
Staff PositionAt SCARDB: 177At PCARDB: NR
Managing Director
Shri V. Ratheesan, IAS
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 636161.04 665853.77 711836.63
Loans Disbursed 232755.01 220951.61 221763.38
Total Paid up Capital 18843.28 19152.83 20432.36
Free Reserves 30201.41 40933.05 43324.02
Capital to Asset Ratio (%) 10.71 11.98 12.14
Deposit Outstanding 59378.94 47978.40 40963.75
Borrowings Outstanding 577682.28 622408.42 596333.18
Net Profit 2753.18 2565.50 2780.50
Accumulated Loss, If Any - - -NR - Not Reported.
- 30 -
60thAnnual Report2019-20
Punjab State Cooperative Agricultural Development Bank Ltd.
SCO No.51-54, Bank Square, Sector 17-B, Chandigarh-160 017
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 269209.05 253854.60 227362.68
Loans Disbursed 28562.51 17486.17 1254.23
Total Paid up Capital 7853.15 7888.15 7888.15
Free Reserves 12791.19 23397.92 23128.40
Capital to Asset Ratio (%) 12.96 12.92 14.26
Deposit Outstanding 34495.46 23518.03 25485.80
Borrowings Outstanding 240564.22 204885.55 180378.87
Net Profit 828.95 120.49 227.34
Accumulated Loss, If Any - - -
Telephone Nos. 0172-2708134/5011708Email – [email protected]
Chairman:
Shri Kamaldeep Singh
Managing Director:
Shri Charandev Singh Maan
Staff PositionAt SCARDB: 192At PCARDB: 632
Interest RateOn Loans – 10.95% to 11.80%On Deposit Collection – 6.75% to 6.95%
Pondicherry Cooperative Central Land Dev. Bank Ltd., P-106
No. 24, Colas Nagar, Uppalam, Puducherry - 605 001
Telephone Nos. 0413-2357985/2358827Email – [email protected]
Managing Director –Thiru A. Iryasappan
Interest RateOn Loans: 11.50% to 13.50%On Deposit Collection: 8.50%
Staff PositionAt SCARDB (HO & Branches) : 30
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Administrator :Smt. V. Sarojini
NOT REPORTED
Loans Outstanding 3021.58 3188.84
Loans Disbursed 2381.76 2441.57
Total Paid up Capital 463.69 484.67
Free Reserves 270.89 136.01
Capital to Asset Ratio (%) NR NR
Deposit Outstanding 2691.86 2989.27
Borrowings Outstanding 534.66 385.70
Net Loss 41.75 50.64
Accumulated Loss, If Any 383.86 434.50NR - Not Reported.
- 31 -
60thAnnual Report2019-20
Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.
Nehru Sahakar Bhawan, Western Block, 22- Godown Circle, Bhavani Singh Road, Jaipur - 302 005
Telephone Nos. 0141-2740760Email: [email protected]
Administrator:Shri G. L. Swami
Interest RateOn Loans – 15.59%On Deposit Collection – Not accepting Deposit
Staff Position :At SCARDB: 58At PCARDB: 271
Managing Director :Shri Jitendra Prasad
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 162972.89 157159.70 147638.65
Loans Disbursed 24372.30 13932.53 7939.28
Total Paid up Capital 3930.53 3988.06 3991.06
Free Reserves 51656.97 52057.40 56990.47
Capital to Asset Ratio (%) 8.79 12.80 15.59
Deposit Outstanding 1328.00 1242.15 579.70
Borrowings Outstanding 123744.00 113791.84 96674.69
Net Profit/Loss* (4391.65) 4420.46 2992.90
Accumulated Loss, If Any - - --
*Figure in Bracket indicate Loss.
Tamil Nadu Cooperative State Agriculture & Rural Dev. Bank Ltd.
No. 181 & 183, Luz Church Road, Mylapore, Chennai - 600 004
Telephone No. 9445034060/9445034070Email – [email protected] /[email protected]
Chairman :Shri R. Parimel Azhagan
Interest RateOn Loans – 8.25% to 9.00%On Deposit Collection: 7.00% to 7.25%
Staff PositionAt SCARDB : 93At PCARDB : 455
Managing Director :Smt. R. Brindha
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 68652.15 73647.60 92846.82
Loans Disbursed 69702.35 77322.15 97474.75
Total Paid up Capital 4120.26 4324.00 4324.00
Free Reserves 7773.00 12223.00 12356.00
Capital to Asset Ratio (%) 44.08 38.21 NR
Deposit Outstanding 22443.00 23249.00 24130.55
Borrowings Outstanding 6395.00 6397.00 6424.49
Net Profit 1043.54 2762.39 30.77
Accumulated Loss, If Any - - -NR - Not Reported.
- 32 -
60thAnnual Report2019-20
Uttar Pradesh Sahakari Gram Vikas Bank Ltd.
10, Mall Avenue, Lucknow - 226 001
Telephone Nos. 0522-2238844 / 2238855Email – [email protected]
ChairmanShri Santraj Yadav
Interest Rateon Loans – 13.00% to 13.50%on Deposit Collection – 6.00%
Staff PositionAt SCARDB (HO & Branches): 2855
Managing DirectorShri Arvind Kumar Singh
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 336079.54 313280.48 280706.46
Loans Disbursed 6251.27 15180.32 5113.32
Total Paid up Capital 31822.82 30413.10 28692.41
Free Reserves 79628.27 79109.55 79006.00
Capital to Asset Ratio (%) 23.76 25.01 25.00
Deposit Outstanding 6033.79 5474.32 5161.62
Borrowings Outstanding 151300.53 137592.72 70876.54
Net Profit/Loss* 191.80 (8451.20) NR
Accumulated Loss, If Any 2504.05 10955.26 NRNR - Not Reported. *Figures in brackets indicate Loss.
Tripura Cooperative Agriculture & Rural Dev. Bank Ltd.
Office Lane, Agartala - 799 001
Telephone No. 0381-2323972Email – [email protected]
PresidentShri Pramod Reang, MLA
On Loans : 14.25% to 16.25%Interest RateStaff Position
At SCARDB (HO & Branches) : 23
General ManagerShri Apurba Krishna Chakraborty
Key Financial Parameters ( Lakhs)`
Particulars 2017-18 2018-19 2019-20
Loans Outstanding 1646.94 1322.58
Loans Disbursed 13.70 0.00
Total Paid up Capital 1019.35 1000.43
Free Reserves 8.85 8.85
Capital to Asset Ratio (%) 39.53 NR
Borrowings Outstanding 961.02 559.83
Net Profit/Loss* 19.68 (301.26)
Accumulated Loss, If Any 1645.38 1946.64NR - Not Reported. *Figures in brackets indicate Loss.
NOT REPORTED
- 33 -
60thAnnual Report2019-20
West Bengal State Coop. Agriculture & Rural Dev. Bank Ltd.
25-D, Shakespeare Sarani, Kolkata - 700 017
Telephone Nos. 033-22871786/87Email – [email protected]
Special Officer:Shri Moinul Hassan, Ex-MP
Interest Rateon Loans – 7.88% (Tentative)on Deposit Collection – 6.89% (Tentative)
Staff PositionAt SCARDB (HO & Branches) : 80At PCARDB : 585
Key Financial Parameters ( Lakhs)`
Managing Director:Shri Amlan Bhattacharya
Particulars 2017-18 2018-19 2019-20
Loans Outstanding 110015.55 114462.63 124690.55
Loans Disbursed 22333.84 25090.39 29223.46
Total Paid up Capital 4161.11 4173.11 4247.27
Free Reserves 1059.89 1170.47 1266.74
Capital to Asset Ratio (%) 3.44 3.25 3.16
Deposit Outstanding 20577.52 22198.50 22764.85
Borrowings Outstanding 84030.41 89367.46 93950.26
Net Profit 244.05 322.93 357.70
Accumulated Loss, If Any 1211.27 1044.13 865.92
Chairman:Dr. Bijender Singh
On Loans : 7.00% to 18.50%On Deposit Collection: 3.00% to 6.50%
Interest RateStaff PositionAt HO: 65At Branches: 453
Managing Director:Smt. Anita Rawat
Delhi State Cooperative Bank Ltd.
31, Netaji Subhash Marg, Darya Ganj, New Delhi – 110 002
Telephone No. 011-41705038Email: [email protected]/[email protected]
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 76965.33 80292.92 83041.38
Loans Disbursed 20697.26 17553.40 23403.41
Total Paid up Capital 1335.99 1612.46 1674.56
Free Reserves 22861.97 24992.27 26888.98
Capital to Asset Ratio (%) 46.67 49.86 50.18
Deposit Outstanding 114154.35 118577.85 122044.43
Borrowings Outstanding 1103.29 248.58 NR
Net Profit 2913.17 3009.64 3038.47
Accumulated losses, if any - - -NR - Not Reported.
SCBs
- 34 -
60thAnnual Report2019-20
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 117302.21 137200.27 167311.99
Loans Disbursed 18806.52 NR NR
Total Paid up Capital 935.75 939.31 939.31
Free Reserves 12123.90 13085.60 14085.28
Capital to Asset Ratio (%) 19.68 19.10 NR
Deposits Outstanding 245979.01 265676.69 281319.75
Borrowings Outstanding 5004.53 5405.10 4824.04
Net Profit 944.95 1025.24 1500.00
Accumulated Loss, If Any - - -NR - Not Reported.
Meghalaya Cooperative Apex Bank Ltd.
M. G. Road, Head Office, Shillong – 793 001
Telephone Nos. 0364-2224160/2225190Email – [email protected] / [email protected]
Chairman:
Shri Marchynna Syiem
Managing Director:
Shri Osmand E. J. Nongbri
Staff PositionAt HO: 145At Branches: 430
Interest RateOn Loans – 9.00% to 10.00%On Deposit Collection – 4.00% to 7.25%
Telangana State Cooperative Apex Bank Ltd.
4-1-441, Bank Street, Troop Bazar, Abids, Hyderabad - 500 001
Telephone Nos. 040-24685567Email – [email protected]/[email protected]
President :
Shri Konduru Ravinder Rao
Staff PositionAt HO : 226At Branches : 252
Managing Director:
Dr. Nethi Muralidhar
Interest Rateon Loans – 5.00% to 14.00%on Deposit Collection – 4.75% to 6.60%
Particulars 2017-18 2018-19 2019-20
Key Financial Parameters ( Lakhs)`
Loans Outstanding 519575.61 559680.95 620283.37
Loans Disbursed 604400.18 608112.82 782100.84
Total Paid up Capital 14410.03 15729.62 17199.25
Free Reserves 31859.82 34753.77 37703.99
Capital to Asset Ratio (%) 10.49 10.76 10.89
Deposits Outstanding 385125.24 362225.81 464489.11
Borrowings Outstanding 338843.19 350198.80 356432.44
Net Profit 4061.25 4436.36 4894.12
Accumulated Loss, If Any - - -
- 35 -
60thAnnual Report2019-20
Other SCARDBs
Assam State Cooperative Agriculture & Rural Development Bank Ltd.
Ashram Road, Ulubari, Guwahati – 781 007.
Key Financial Parameters ( Lakhs)`
Particulars 2017-18 2018-19 2019-20
Loans Outstanding 996.22 1095.77 1178.60
Loans Disbursed 182.28 226.94 208.33
Total Paid up Capital 660.44 674.42 686.37
Free Reserves 1061.39 1061.39 1061.39
Capital to Asset Ratio (%) 46.32 46.67 NR
Deposit Outstanding 266.15 357.71 316.78
Borrowings Outstanding 2952.17 2952.17 2952.17
Net Profit/Loss * 16.166 (1.21) NR
Accumulated Loss, If Any 7635.38 7636.60 7636.60NR - Not Reported. *Figures in brackets indicate Loss.
ChairmanShri Ananda Bhuban Das
Chief Executive Director :Shri Ghana Pegu
Interest RateOn Loans : NROn Deposit Collection: NR
Staff PositionAt SCARDB (HO & Branches): 184
Email – [email protected] Telephone No. 0361-2522201
Key Financial Parameters ( Lakhs)`
Multi State Cooperative Land Development Bank Ltd.
Budh Marg, Patna – 800 001
Telephone No. 0612-2226221/22Email – [email protected]
ChairpersonSmt. Mamta Singh
Managing Director:Shri Ajay Kumar Singh
Staff PositionAt SCARDB (HO & Branches): 478 On Loans – 11.00%
Interest Rate
Particulars 2017-18 2018-19 2019-20
Loans Outstanding 5032.95 NR
Loans Disbursed 175.00 169.00
Total Paid up Capital 2833.32 NR
Free Reserves 1554.78 NR
Capital to Asset Ratio (%) 3.20 NR
Deposit Outstanding 471.26 NR
Borrowings Outstanding 860.66 860.66
Net Loss 2485.60 NR
Accumulated Losses If any, - -NR - Not Reported
NOT REPORTED
Data on operations of fully functional SCARDBs during
2019-20 are furnished in Statements given in the
Annexures of this Report.
Aggregate advances by 13 fully functional SCARDBs
were 4214.40 crores compared to 4242.50 crores
during the previous year. Aggregate lending by
SCARDBs flattened around this level for the last few
years mainly on account of stagnating funding sources.
Further, 4 out of 13 fully functional SCARDBs could not
access NABARD’s refinance for a long time and also
there has been no growth in the drawal of refinance by
others except Kerala which continues to account for
more than 50% of the aggregate advances. Kerala
SCARDB is the only Bank which registered significant
growth in lending in recent years which also helped to
keep the aggregate level not going down drastically.
West Bengal, Karnataka and Tamil Nadu SCARDBs are
the other 3 SCARDBs which performed better than
previous year. Haryana SCARDB after near stoppage
during 2018-19 revived lending during the year to
some extent. Punjab, Uttar Pradesh and Rajasthan are
among major banks whose lending during the year was
significantly lower than the previous year.
Total loan outstanding of SCARDBs as on 31.3.2020 is
stood at 20102.57 crores as against 19760.87 crores
during the previous year indicating only a slight
increase in business level.
Total borrowings of SCARDBs during 2019-20 stood at
4077.74 crores as against 3513.21 crores during
2018-19. 51% of borrowings was sourced from
NABARD while NCDC and banking system accounted
for 46% and the balance 3% came from government
sector.
Aggregate borrowings outstanding of fully functional
SCARDBs came down to 13437.20 crores as on
31.3.2020 as against 14871.10 crores as the same
during the previous year. NABARD’s refinance at
11514.16 crores accounted for 86% of the total
borrowings outstanding. Outstanding refinance of
NABARD Slightly increased by 0.78% during the year
from 11514.16 crores to 11604.44 crores. Haryana
SCARDB reduced its borrowing outstanding
significantly by fully redeeming short term loans taken
from NCDC in the previous year and annual
redemption of NABARD’s refinance without availing
fresh refinance during the year.
Total deposits of fully functional SCARDBs, outstanding
as on 31.3.2020 were 2129.21 crores as against
2113.92 crores as of March 31, 2019. Kerala and
Karnataka SCARDBs, occupy first two positions in
deposit mobilization followed by Gujarat, Punjab,Tamil
Nadu andWest Bengal while deposit mobilization is yet
to pick up momentum in Haryana and Uttar Pradesh.
Out of 12 banks for which details are available, 8 banks
increased outstanding deposits at the end of 2019-20
and 4 banks suffered negative growth compared to the
position in the previous year.
DCB Position of SCARDBs slightly improved during the
year 2019-20 Aggregate average recovery of SCARDBs
increased to 42.06% from 40.70% during the period. At
the Ultimate Borrower level average recovery of banks
increased from 36.37% to 38.59%. However, recovery
position is yet to return to pre-demonetization level in
most of the States.
Aggregate demand of SCARDBs during 2019-20
increased by 10.5% from 10766 crores to 11898
crores during the previous year. Absolute amount of
collections increased by 14% from 4381 crores to
5004 crores. Inspite of better recovery, aggregate
amount of overdues at SCARDB level increased to
6894 crores from 6384 crores registering a growth of
8% over the previous year.
` `
` `
` `
`
`
`
` `
`
`
` `
`
`
` `
- 36 -
60thAnnual Report2019-20
MEMBER BANKS’ OPERATIONS DURING 2019-20
60thAnnual Report2019-20
At the Ultimate Borrowers level, aggregate demand
increased from 13183 crores in 2018-19 to 14473
crores in 2019-20 registering a growth of 9.8%.
Against this, recoveries during 2019-20 were 5585
crores compared to 4797 crores in the previous year
registering a growth of 16.4%. However, absolute
amount of overdues at Ultimate Borrowers level
increased by 6% from 8389 crores in 2018-19 to
8889 crores in 2019-20.
Aggregate average of gross NPAs of SCARDBs
increased to 29.50% in 2019-20 from 27.08% in the
previous year. Only Kerala and Pondicherry have gross
NPA at tolerable levels of 5.81% and 2.22%
respectively. Tamil Nadu also could contain NPA at
15.64%, while gross NPAs of all other SCARDBs stood
above 20% and even crossed 80% in the case of Tripura
and Haryana.
According to pre-audited data, among fully functional
SCARDBs, 8 banks posted net profits during 2019-20.
Haryana SCARDB which was in losses last year made a
turn-around this year. However, Himachal Pradesh
SCARDB which was in profit continuously for many
years till last year incurred net losses of about 1.85
crores during the year. Total profits earned by these
banks during 2019-20 increased to 153.82 crores
from 123.92 crores in the previous year. Total losses
of 5 SCARDBs which incurred net losses during 2019-
20 also could reduce aggregate losses from 244.35
crores to 185.91 crores during the year.
` `
`
`
`
`
`
`
`
`
`
- 37 -
The Federation continues to maintain close contacts
and liaison with Central and State Govts.,NABARD,RBI,
NCDC, NCUI and various other agencies and
institutions in its endeavour to strengthen the
structure and expand the operations of member
banks. The Board of Management places on record its
gratitude to all these agencies and institutions for the
support and cooperation extended to the Federation.
The Federation as well as its member institutions have
been receiving financial and policy support from
Government of India, Ministry of Agriculture & Farmers
Welfare. The Board of Management places on record
its gratitude to Shri Parshottam Rupala, Minister of
State for Agriculture & Farmers Welfare, the Ministry
for their continued support and guidance to the
Federation and to the Long Term Cooperative Credit
Structure.
NABARD from its inception has been extending
refinance as well as development support to
SCARDBs. The Board of Management conveys its
gratitude to NABARD for its continued refinance
support to SCARDBs and the role it has been playing
over the years to strengthen the Long Term Rural
Cooperative Credit Structure.
We also extend our gratitude to NCDC,NHB,Scheduled
Commercial Banks and State Cooperative Banks for
continuing to provide funding support to SCARDBs
which helped them to meet the credit needs of their
members better.
The NCUI has been providing active support to the
Federation in its activities. The Federation places on
record its appreciation and gratitude to Dr.Chandrapal
Singh Yadav, President and Shri N. Satyanarayana,
Chief Executive.
The Federation continued to receive financial and
other supports as well as active cooperation from its
member banks during the year under report. We
express our profound gratitude to the management
and staff of all our member banks particularly to the
Chairmen and Chief Executives of SCARDBs for their
cooperation and support. The Board of Management
also places on record the valuable contributions of
Shri K. Sivadasan Nair, Chairman who with the able
support of Vice Chairpersons Shri K. Shadakshari, Shri
K. Ravinder Rao, Shri Bijay Kumar Singh and Shri
Marchynna Syiem who gave effective leadership to
the Federation and the LT credit sector.
The Board also places on record its gratitude and
appreciation to Shri Parbatbhai Patel, MP, for his
valuable support in taking up various issues in LTCCS
with appropriate authorities in Government of India
and also his guidance to the Federation as a Co-opted
Member on the Board.
The Board appreciates the services of Shri K.K.
Ravindran, Managing Director, who ably discharged
the responsibilities of Chief Executive with dedication.
The Management also appreciates the services of its
officers and staff during the year.
On behalf of the Board of Management
ChairmanK. Sivadasan Nair
- 38 -
60thAnnual Report2019-20
ACKNOWLEDGEMENT
- 39 -
(in
Lak
hs)
`
TA
BL
E1
-L
OA
NS
DIS
BU
RS
ED
AN
DL
OA
NS
OU
TS
TA
ND
ING
Nam
eo
fS
CA
RD
B
12
34
56
78
910
1.
Guja
rat
9887.0
93765.1
713652.2
614956.7
851795.4
64205.6
756001.1
358196.1
9
2.
Hary
ana
6649.8
82298.5
78948.4
52643.5
996724.8
826887.2
5123612.1
3147602.2
7
3.
Him
achal P
radesh
4637.8
711
75.6
25813.4
98498.7
9311
11.2
612980.4
144091.6
745388.8
1
4.
Jam
mu &
Kashm
ir661.3
6243.0
7904.4
311
82.7
94233.9
81532.5
15766.4
95788.4
3
5.
Karn
ata
ka
26463.1
0530.2
126993.3
124563.4
6174609.2
93296.9
2177906.2
11411
84.0
8
6.
Kera
la79288.6
0142474.7
8221763.3
8220951.6
0238917.4
2472919.2
1711
836.6
3665853.7
7
7.
Pondic
herr
y $
0.0
02375.8
62375.8
62441.5
70.0
03590.2
23590.2
23188.8
4
8.
Punja
b1010.3
3243.9
01254.2
317486.1
7142024.0
581085.9
3223109.9
8248012.0
5
9.
Raja
sth
an
7258.2
8681.0
07939.2
813932.5
3128964.5
437134.4
4166098.9
8158159.7
0
10.
Tam
il N
adu
0.0
097474.7
597474.7
577322.1
50.0
092846.8
292846.8
273647.6
0
11.
Tripura
NR
NR
NR
0.0
0N
RN
RN
R1322.5
8
12.
Uttar
Pra
desh
4281.0
1827.5
25108.5
315180.3
2N
RN
R280706.4
6313280.4
8
13.
West B
engal
24694.5
84517.3
429211
.92
25090.3
992800.4
831890.0
7124690.5
511
4462.6
3
TO
TA
L[1
to 1
3]
164832.1
0256607.7
9421439.8
9424250.1
49611
81.3
6768369.4
52010257.2
71976087.4
3
Note
: (1
) N
R -
Not R
eport
ed.
(2)
$ L
oans d
isburs
ed a
nd o
uts
tandin
g p
ositio
n U
pto
January
2020.
Sr.
No
.F
arm
Secto
rN
on
Farm
Secto
r(i
ncl.
of
RH
S/S
.T.
Lo
an
s/O
thers
)
Lo
an
sD
isb
urs
ed
du
rin
g2019-2
0L
oan
sO
uts
tan
din
gas
on
31
Marc
h2020
To
talL
oan
sD
isb
urs
ed
(3+
4)
Lo
an
sD
isb
urs
ed
du
rin
g2018-1
9
Farm
Secto
rN
on
Farm
Secto
r(i
ncl.
of
RH
S/S
.T.
Lo
an
s/O
thers
)
To
talL
oan
Ou
tsta
nd
ing
(7+
8)
Lo
an
sO
uts
tan
din
gas
on
31
Marc
h2019
60thAnnual Report2019-20
TABLE 3 - BORROWINGS OUTSTANDING - DURING THE YEAR ( in Lakhs)`
1 2 3 4 5 6 7 8
1. Gujarat 11329.52 0.38 100.09 0.00 11429.99 6911.63
2. Haryana 33868.23 3441.13 98522.00 0.00 135831.36 157359.64
3. Himachal Pradesh 23446.04 610.06 23.70 147.28 24227.08 27716.86
4. Jammu & Kashmir 0.00 279.28 336.72 0.00 616.00 641.00
5. Karnataka 119253.37 2005.62 5288.87 0.00 126547.86 141693.40
6. Kerala 583290.93 179.96 179.96 12682.33 596333.18 622408.42
7. Pondicherry $ 0.00 0.00 0.00 451.89 451.89 385.70
8. Punjab 136620.90 128.39 7.31 43600.00 180356.60 204885.56
9. Rajasthan 88067.73 1228.80 1228.81 6149.35 96674.69 113791.84
10. Tamil Nadu 0.00 0.00 6389.87 34.62 6424.49 6396.77
11. Tripura NR NR NR NR NR 2003.34
12. Uttar Pradesh 61592.84 109.28 109.28 9065.14 70876.54 113548.52
13. West Bengal 93946.69 1.79 1.78 0.00 93950.26 89367.46
Note: $ Outstanding position upto January 2020.
TOTAL [1 to 13] 1151416.25 7984.69 112188.39 72130.61 1343719.94 1487110.14
Name of SCARDBNABARD
Borrowings Outstanding as on 31 March 2020
State Govt.Others (NCDC/NHB/ SCB etc.)
As on31/03/2019
CentralGovt.
Grand TotalSr.No.
As on31/03/2020(3+4+5+6)
- 40 -
60thAnnual Report2019-20
TABLE 2 - BORROWINGS DURING THE YEAR ( in Lakhs)`
1 2 3 4 5 6 7 8
1. Gujarat 10000.00 0.00 0.00 0.00 10000.00 0.00
2. Haryana 0.00 0.00 10000.00 0.00 10000.00 20000.00
3. Himachal Pradesh 3851.60 0.00 0.00 0.00 3851.60 6830.60
4. Jammu & Kashmir 0.00 0.00 0.00 0.00 0.00 0.00
5. Karnataka 16909.00 0.00 1000.00 0.00 17909.00 29094.83
6. Kerala 135000.00 0.00 0.00 116720.00 251720.00 192555.00
7. Pondicherry NR NR NR NR NR -148.96
8. Punjab 3564.00 0.00 0.00 46900.00 50464.00 33102.14
9. Rajasthan 11420.00 0.00 0.00 17670.37 29090.37 32423.55
10. Tamil Nadu 0.00 0.00 0.00 27.72 27.72 4.20
11. Tripura NR NR NR NR NR 0.00
12. Uttar Pradesh 7012.00 0.00 0.00 700.00 7712.00 12459.93
13. West Bengal 27000.00 0.00 0.00 0.00 27000.00 25000.00
TOTAL [1 to 13] 214756.00 0.00 11000.00 182018.09 407774.09 351321.29
Note: NR - Not Reported.
Name of SCARDBNABARD
Raised During 2019-20
State Govt.Others (NCDC/NHB/ SCB etc.)
2019-20(3+4+5+6) 2018-19
CentralGovt.
Grand TotalSr.No.
- 41 -
60thAnnual Report2019-20
TABLE 4 - DEPOSIT MOBILIZATION ( in Lakhs)`
Name of SCARDB31.03.2019 31.03.2018
Deposit Outstanding as at the end ofSr.No.
1. Gujarat 27041.55 26711.79
2. Haryana 10.33 538.97
3. Himachal Pradesh 9934.52 10375.29
4. Jammu & Kashmir 16645.93 18033.67
5. Karnataka 31110.12 34885.26
6. Kerala 47978.40 40963.75
7. Pondicherry $ 2989.27 3289.61
8. Punjab 23518.03 25485.80
9. Rajasthan 1242.15 579.70
10. Tamil Nadu 23249.09 24130.55
11. Uttar Pradesh 5474.32 5161.62
12 West Bengal 22198.50 22764.85
TOTAL [1 to 12] 211392.21 212920.86
Note: $ Outstanding position upto January 2020.
31.03.2020 31.03.2019 31.03.2020
Profit / Loss as on
31.03.2019
1. Gujarat 2101.51 2525.00 0.00 0.00
2. Haryana (7638.23) 6392.30 45426.53 39034.23
3. Himachal Pradesh 22.80 (185.41) 0.00 35.18
4. Jammu & Kashmir (7993.97) (9602.86) NR NR
5. Karnataka * 75.67 75.67 0.00 0.00
6. Kerala 2565.50 2780.50 0.00 0.00
7. Pondicherry * (50.64) (50.64) 434.50 434.50
8. Punjab 120.49 227.34 0.00 0.00
9. Rajasthan 4420.46 2992.90 0.00 0.00
10. Tamil Nadu 2762.39 30.77 0.00 0.00
11. Tripura * (301.26) (301.26) 1946.64 1946.64
12. Uttar Pradesh * (8451.00) (8451.00) 10955.26 10955.26
13. West Bengal 322.93 357.70 1044.13 865.92
Note:- (1) Figures in brackets indicate loss.
(2) * Position as on 31.03.2019 is considered for review.
(3) NR - Not Reported.
TABLE 5 - PROFIT / LOSS (AT APEX BANK LEVEL) ( in Lakhs)`
Name of SCARDBAccumulated Loss as on
Sr.No.
TA
BL
E6
-N
ON
-PE
RF
OR
MIN
GA
SS
ET
S(N
PA
)
To
talL
oan
sO
uts
tan
din
gTo
talN
PA
sN
PA
as
%o
fL
oan
sO
uts
tan
din
g
As
on
31
Marc
h2020
(in
Lak
hs)
`
Sr.
No
.N
am
eo
fS
CA
RD
BTo
talL
oan
Ou
tsta
nd
ing
To
talN
PA
sN
PA
as
%o
fL
oa
ns
Ou
tsta
nd
ing
As
on
31
Marc
h2019
1.
Guja
rat
58196.2
032252.6
855.4
256000.5
631582.7
256.4
0
2.
Hary
ana
19311
8.0
51611
55.7
983.4
5187944.1
6152321.3
181.0
5
3.
Him
achal P
radesh
45388.8
211
575.3
125.5
044091.6
813663.0
930.9
9
4.
Jam
mu &
Kashm
ir5788.4
31559.0
726.9
35766.4
91598.3
627.7
2
5.
Karn
ata
ka
178253.0
252257.5
929.3
2177906.2
157693.7
532.4
3
6.
Kera
la665853.7
714918.7
92.2
4711
836.6
341346.4
05.8
1
7.
Pondic
herr
y *
3188.8
470.6
52.2
23188.8
470.6
52.2
2
8.
Punja
b253854.6
143423.3
117.1
1227362.6
862882.7
727.6
6
9.
Raja
sth
an
157159.7
069713.5
044.3
6147638.6
575488.2
651.1
3
10.
Tam
il N
adu *
73647.6
011
517.6
115.6
473647.6
011
517.6
115.6
4
11.
Tripura
*1322.5
811
90.3
290.0
01322.5
811
90.3
290.0
0
12.
Uttar
Pra
desh *
272480.1
4120736.5
744.3
1272480.1
4120736.5
744.3
1
13.
West B
engal
114462.6
327316.7
723.8
7124690.5
529906.2
323.9
8
TO
TA
L[1
to13]
2022714.3
9547687.9
627.0
82033876.7
7599998.0
429.5
0
Note
:- *
Positio
n a
s o
n 3
1.0
3.2
019 is c
onsid
ere
d for
revie
w.
- 42 -
60thAnnual Report2019-20
- 43 -
60thAnnual Report2019-20
TA
BL
E7
-D
EM
AN
D,C
OL
LE
CT
ION
,B
AL
AN
CE
PO
SIT
ION
Sr.
No
.N
ame
of
SC
AR
DB
Dem
and
Dem
and
Co
llect
ion
Co
llect
ion
Bal
ance
Bal
ance
Rec
ove
ry(%
)R
eco
very
(%)
Rec
ove
ry(%
)as
on
31.0
3.20
19
Rec
ove
ry(%
)as
on
31.0
3.20
19
At
Ap
exB
ank
Lev
elas
on
31M
arch
2020
At
Ult
imat
eB
orr
ow
ers'
Lev
elas
on
31M
arch
2020
(in
Lak
hs)
`
1.G
ujar
at61
339.
0021
249.
4340
089.
5734
.64
32.6
561
339.
0021
249.
4340
089.
5734
.64
32.6
5
2.H
arya
na18
1220
.53
2416
1.50
1570
59.0
313
.33
6.67
2070
58.2
243
744.
9616
3313
.26
21.1
35.
58
3.H
imac
hal P
rade
sh15
342.
8848
49.0
710
493.
8131
.60
31.8
716
664.
6461
70.8
310
493.
8137
.03
37.0
0
4.Ja
mm
u&
Kas
hmir
@32
10.6
112
38.3
919
72.2
238
.30
45.6
632
10.6
112
38.3
919
72.2
238
.30
45.6
6
5.K
arna
taka
1364
19.5
735
304.
8110
1114
.76
25.8
822
.24
9997
5.77
4001
2.23
5996
3.54
40.0
230
.69
6.K
eral
a20
3073
.14
1787
57.6
224
315.
5288
.03
95.3
628
8075
.88
1574
17.1
713
0658
.71
54.6
464
.36
7.P
ondi
cher
ry@
2925
.19
2707
.36
217.
8392
.55
93.9
029
25.1
927
07.3
621
7.83
92.5
593
.90
8.P
unja
b10
1497
.12
2999
3.06
7150
4.06
29.5
531
.00
2113
15.3
630
650.
4518
0664
.91
14.5
017
.88
9.R
ajas
than
@11
3380
.40
3534
5.33
7803
5.07
31.1
725
.89
1239
63.6
841
984.
9581
978.
7333
.87
30.1
1
10.
Tam
ilN
adu
9061
6.22
7817
0.02
1244
6.20
86.2
685
.65
1287
74.1
212
0083
.49
8690
.63
93.2
590
.98
11.
Trip
ura
NR
NR
NR
NR
NR
NR
NR
NR
NR
NR
12.
Utta
rP
rade
sh21
7919
.31
6250
5.34
1554
13.9
728
.68
19.1
621
7919
.31
6250
5.34
1554
13.9
728
.68
19.1
6
13.
Wes
t Ben
gal
6288
1.47
2613
6.91
3674
4.56
41.5
740
.38
8614
0.17
3072
4.25
5541
5.92
35.6
739
.98
TO
TAL
[1to
13]
1189
825.
4450
0418
.84
6894
06.6
042
.06
40.7
014
4736
1.95
5584
88.8
588
8873
.10
38.5
936
.37
No
te:-
(1)
NR
-N
otR
epor
ted.
(2)
@30
.06.
2019
Pos
ition
cons
ider
edfo
rre
view
.
- 44 -
60thAnnual Report2019-20
1.G
ujar
at18
118
1N
AN
AN
AN
A42
641
3710
075
7273
97N
oN
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60thAnnual Report2019-20
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60thAnnual Report2019-20
Inaugural Address by Shri Parshottam Rupala, MoS for Agriculture and Farmers Welfare atthe National Conference of ARDBs-2019 at New Delhi on 21st November 2019.
Welcome address by Shri K. Sivadasan Nair, Chairman, NCARDBF at the inaugural session ofNational Conference of ARDBs-2019 on 21st November 2019, New Delhi.
60thAnnual Report2019-20
159 Meeting of the Board of Management and Workshop on Revival Road Map on LTCCS,18th January, 2020 at Hyderabad
th
Discussion on Cooperative Banking in India on the sidelines of ICA Global Assemblyin Kigali, Rwanda, 15th Oct 2019
Shri K. K. Ravindran, MD, NCARDBF, addressing National Women's Cooperative Workshopin Ahmedabad jointly organised by SEWA & ICA Asia Pacific - 8th August, 2019.
Meeting with Shri Parshottam Rupala, MoS for Agriculture and Farmers’ Welfareand Panchayati Raj on 12th March, 2020
60thAnnual Report2019-20
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5 izfr”kr izkDdfyr dh xbZ] 2020&21 es ftldh o`f) nj]
6 izfr”kr ls 6-5 Qhlnh ds ifjf/k esa iz{ksfir dh xbZ gS o`f) nj esa
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2018&19 esa 4-3 izfr”kr ls fxjdj 2019&20 esa 1-5 izfr”kr
ds U;wure Lrj ij vk xbZA
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ldy ewY; 17-7 izfr”kr ls ?kVdj 2017&18 esa ;ksftr
ldy ewY; 15-2 izfr”kr ds fupys Lrj ij vk x;kA
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viuk ;ksxnku fn;kA 2014&15 ls 2018&19 rd vkSlr okf’kZd
o`f) dqN o’kksaZ esa vfLFkjrk ds ckotwn nj 2-88 izfr”kr ds vklikl
gh jghA
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nwljk lokZf/kd Qy mRiknd ns”k gSA
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cnyrs ekax ds Lo:i dss dkj.k vukt mRiknu ls nkyksa] Qyksa
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xbZ] dh mYys[kuh; fxjkoV dks Hkh ik ldkA ns”k izeq[k oLrqvkasa ds
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lokZf/kd pkoy rFkk nwljk lokZf/kd dikl dk fu;kZrdA Hkkjr dk
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dk ;ksxnku j[krh gSA
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okfudh rFkk eRL; ikyu dk ;ksxnku esa 2015&16 esa 15-4 izfr”kr
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dj ldrs gSa]A ty dh vYirk ij fopkj dj ty laj{k.k
djus ds fy;s ltx jguk vkSj ml ij dk;Z djus rd
mi;ksxdÙkkZ dh vko”;drk ij la;eA fdlkuksa dks izsfjrwww
i)
- 2 -
—f"k 2019&20
60dr¨dm{f©H [anmoQ ©2019-2020
fd;k tk;s rFkk muds }kjk U;k;ksfpr <ax ls ty ds mi;ksx
fd;s tkus ij mUgsa izksRlkgu jkf”k nh tk;A ljdkjh
vfHkdj.kksa dks Hkh d`f’k dk;ksZ esa ty mi;ksx ds ekun.Mksa ds
fu/kkZj.k rFkk fdz;kUo;u ds fy;s mUgsa vf/kd`r fd;s tkus dh
vko”;drk gSA chek ds dk;Z {ks= dks c<+k dj] izHkkoh nkos
dk izcU/ku] ekSleh vkiwfrdh vf/kdrk ds nkSjku ihM+knk;d
foØ; d`f’k inkFkksZs dh vfr vkiwfrZ ls fdlkuksa dks cpkus ds
fy;s ljdkjh vfHkdj.kksa }kjk izHkkoh foi.ku e/;Lrrk dj]
fdlkuksa dh gkfu;ksa dk tksf[ke laj{k.k fd;k tkuk dqN vU;
mik; gS ftlls ewY; vkSJs vk; dks fLFkj fd;k tk ldrk
gSA ljdkjh fudk;] futh izfr’Bku rFkk fodkl”khy d`f’k
miØe ,d lkFk fey dj d`f’k {ks= ds n`f’Vdks.k dks cny
ldrs gSaA
moZjdksa ,oa dhVuk”kdksa ds mIk;ksx esa ferO;f;rk &
moZjdksa dk ewY; d`f’k mRikn dh dqy Qly dh ykxr dk
izeq[k fgLlk gksrk gSA izfr gsDVs;j moZjd mi;ksx esa ns[kh
tk jgh 2011 rd /kheh o`f) mlds ckn uhps fxjuk “kq: gks
xbZA vkadM+s Hkh moZjd mi;ksx vkSlr ds fxjrs #>ku vFkok
d`f’k Hkwfe dh mRikndrk ij moZjdksa ds izHkko dks Hkh n”kkZrs
gSaA ;g fdlkuksa dh e`nk fof”k’Vrk rFkk fof”k’V Qly dh
visf{kr ekax ij vk/kkfjr Qly moZjd dh mfpr ek=k]
mfpr lfEeJ.k rFkk mi;ksx dh mfpr i)fr dh tkudkjh
u gksus ds dkj.k gksrk gSA e`nk LokLF; vuqdwy b’Vre ek=k]
uhe foysfir ;wfj;k dks c<+kok] lw{e iks’kdksa dks izksRlkgu]
tSfod moZjdksa rFkk ikuh esa ?kqyu”khy moZjdksa ds izksRlkgu
ds lq>ko moZjd mi;ksx vuqikr c<+kus ds fy;s fn;s x;sA
tSfod d`f"k esa la/kkj.kh;rk c<+kus ds fy;s tSfod ,oa
LokHkkfod [ksrhA us'kuy fe'ku Qkj lLVsuscy ,xzhdYpj
¼,u,e,l,½ dk y{; LFkku fo'ks’k ds vuqdwy lèku d`f"k
iz.kkyh ftlesa mi;qDr e`nk rFkk ueh laj{k.k rduhd
lfEefyr gS] ds }kjk d`f"k dks vis{kkd`r vf/kdkf/kd
mRiknd ,oa la/kkj.kh; cukuk gSA ljdkj us ijEijkxr d`f"k
fodkl ;kstuk ¼ihdsohok;½ rFkk jk"Vªh; d`f"k fodkl ;kstuk
dks vusd tSfod d`f"k ekWMy tSls t+hjks ctV us'kuy QkfeZax
¼t+sMch,u,Q½ dks izksRlkfgr djus ds fy;s izkjEHk dh gSaA
jk;k;fud moZjdksa rFkk dhVuk'kdksa ds mi;ksx dks lekIr
djuk rFkk LoLFk d`f"k iz.kkyh ds iz;ksx dks izksRlkgu]
t+sMch,u,Q ds izeq[k igyw gSaA jlk;u eqDr Qly ds fy;s
Ik;kZoj.k vuqdwy d`f"k dks izksRlkfgr djuk Hkh bldk y{;
gSA dqN jkT; tSls fd dukZVd] fgekapy izns”k vkSj vka/kz
izns”k tgka t+sMch,u,Q rsth ls yksdfiz; gksrk tk jgk gS] esa
mRikndrk esa lq/kkj ds lkFk d`f"k ykxr esa deh gksuk ik;k
x;k gSA
NksVs d`f"k tksr ds fy;s mi;qDr rduhd vaxhdkj fd;k
tkukA mPp rduhd vkSj e”khuksa dk mi;ksx NksVs d`f’k
tkrksa ds fy;s vkfFkZd :i ls lk/; ugha gSA Ik;kZoj.k ds
vuqdwy Lolapkfyr d`f’k ;a= ,oa midj.kksa dk mi;ksx tks
y?kq Lrjh; d`f’k dk;ksaZ rFkk mPp rduhd ds d`f’k ;a=ksa dks
NksVs vkSj e>ksys fdlkuksa ds fy;s ijEijkxr rkSj ij fdjk;s
ij lqyHk gks ldus okys d`’kd dsUnz dh LFkkiuk ij vf/kd
tksj fn;k tkuk pkfg;sA lwpuk ,oa izkS|ksfxdh] fo”ks’k:i ls
b.VjusV lfgr eksckby lqfo/kk dk xzkeh.k {ks= esa O;kid
izlkj gksus ls NksVs fdlkuksa dks ekSle vkSj d`f’k mRikn ds
ewY; tkuus esa cgqr vklkuh gqbZ gSA vkbZlhVh ¼lwpuk ,oa
lapkj rduhd½ Hkh cktkj ,oa foÙkh; lekos”ku rd igqpkus
esa lgk;rk dj jgk gSA
izlkj lsok;sa & d`f’k izlkj d`f’k mRikndrk] xzkeh.k
vkthfodk rFkk mPprj d`f’k iz.kkyh dks vkxs c<+kus esa eq[;
Hkwfedk fuoZgu djrk gSA v/;;u ls Kkr gksrk gS fd yxHkx
40 izfr”kr d`’kd ifjokj [ksrh lEcU/kh rduhdh lykg
vusd miyC/k ek/;eksa] mUur”khy d`’kd rFkk lekpkj
ek/;eksa ftuesa lekpkj i= Hkh lfEefyr gSa] ls izkIr djrs gSaA
Vh-oh- rFkk b.VjusV lokZf/kd mi;ksx fd;s tkus okys ek/;e
gSaA d`’kd ifjokjksa us ftUgksus lq>koksa dks vaxhdkj fd;k]
vf/kdka”k yksxksa us bls mi;ksxh ik;k ftlls izlkj lsokvksa
dk egRo izdV gksrk gSA d`f’k ,oa i”kq fpfdRlk foHkkxksa ls
izkIr lq>koksa dh Lohdk;Zrk vis{kkd`r vf/kd gS ftldks
vaxhdkj fd;s tkus dh izcy laHkkouk gSA
d`f’k _.k & le; ls feyk _.k d`f’k mRikndrk dks
lokZf/kd izHkkfor djrk gSA ;|fi foxr nl o’kkZsa esa d`f’k
lk[k esa izHkko”kkyh o`f) gqbZ gS] fQj Hkh cgqla[; d`’kd
vkSipkfjd lk[k iz.kkyh ls vHkh Hkh oafpr gSaA blds
vfrfjDr Hkkjr esa d`f’k lk[k dk {ks=h; forj.k cgqr
vlkekU; gSA d`f’k lk[k dk forj.k mÙkj&iwoZ] igkM+h rFkk
iwohZ jkT;ksa esa vlaxfr :i ls cgqr de gSA mÙkj&iwoZ jkT;ksa
dh vkSipkfjd lk[k O;oLFkk }kjk forfjr _.k easa Hkkxhnkjh
dqy d`f’k lk[k dk 1 izfr”kr ls de gSA Hkkjr ds mÙkj iwoZ
vkSj iwohZ jkT;ksa esa foÙkh; lekos”ku Hkh nf{k.k rFkk if”peh
ii)
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vi)
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60dr¨dm{f©H [anmoQ ©2019-2020
jkT;ksa ds lkis{k cgqr de gS blls bl {ks= esa d`f’k lk[k ds
vis{kkd`r vf/kd forj.k dh vko”;drk Lor% ifjyf{kr gSA
lEc) {ks=] ftlesa i”kq/ku] eqxhZikyu] nqX/k ,oa eRL; ikyu
lfEefyr gSa] d`f’k dk izeq[k mi {ks= gSA Hkkjr esa yxHkx 300
fefy;u nq/kk# i”kq gSa ftuesa 65 fefy;u HksM+] 135 fefy;u
cdfj;ka] rFkk 10 fefy;u lqvj gSaA Hkkjr esa i”kq ikyu]
ftlesa Qly mRiknu vkSj i”kq ikyu&iks’k.k nksuksa gh
lfEefyr gSa] tks fuos”k vkSj izfrQy ds :i esa ,d nwljs ds
iwjd gSa] vf/kdka”kr% lexz d`f’k iz.kkyh ds fgLls ds :i esa
fd;k tkrk gSA
i”kq ikyu vkSj nqX/k fodkl & iwjs fo”o ds dqy nqX/k dk 20
izfr”kr nqX/k mRiknu dj Hkkjr fo”o dk lokZf/kd nqX/k mRiknd
ns”k gSA nqX/k mRiknu esa izfro’kZ 4-5 izfr”kr okf’kZd dh o`f) nj ls
o’kZ 1991&92 esa 55-6 fefy;u Vu ls 2017&18 rd 176-3
fefy;u Vu dh o`f) gqbZ gSA Hkkjr dh izfr O;fDr nw/k dh
miyC/krk 375 xzke izfrfnu gS tks vle esa 71 xzke ls iatkc esa
1120 xzke izfr O;fDr ds vkSlr varj ls ;|fi vyx vyx jkT;ksa
esa vyx vyx gSSA xzkeh.k {ks= esa dqy mRikfnr nqX/k dk 52 izfr”kr
fodzs; vf/k”ks’k gSA blesa ls ek= 50 izfr”kr ls de laxfBr {ks=
ftlesa nqX/k lgdkfjrk;as Hkh lfEefyr gSa] }kjk fu;af=r gSA
NksVs tqxkyh djus okyk eos”kh {ks= & HksM+ ,oa cdjh lkewfgd :i
ls NksVs eos”kh ¼tqxkyh djus okys½ tkus tkrs gSaA Hkkjr esa cdfj;ksa
dh la[;k fo”o dh 16-1 izfr”kr rFkk HksM+ksa dh 6-4 izfr”kr gSA i'kq
/ku dh dqy tula[;k 512-1 fefy;u esa HksM+ksa vkSj cdfj;ksa dh
la[;k 200 fefy;u gS tks ns”k ds dqy i'kq /ku tula[;k dk 39
izfr”kr gSA HksM+ vkSj cdjh dk ikyu iks’k.k lalk/ku foghu lkekU;
xjhc d`’kd ifjokjksa dk muds [kkyh ekSle esa U;wurk iwjd
egRoiw.kZ vk; dk L=ksr gSA NksVs eosf”k;ksa dh vuko`f’V dh fLFkfr
esa thfor jgus dh nj vis{kkd`r vf/kd gksrh gS D;kasfd thfor jgus
ds fy;s de ikuh dh vko”;drk gksrh gS rFkk ;s izfrdwy i;kZoj.k
esa U;wure moZjd Hkwfe ij tgka nwljh Qlys o i'kq thfor ugha jg
ldrs gSa] ;s dsoy ?kkl Qwl isM+ ikS/kksa dh ifÙk;ka [kk dj thfor cus
jgrs gSA
eRL; ikyu {ks= & cgqla[; tula[;k dks iks’k.k ,oa [kk| lqj{kk
iznku djus okyk eRL; ikyu Hkkjr esa rhozrk ls c<+us okyk {ks= gSA
;g {ks= 14-5 fefy;u ls vf/kd yksxksa dks vkthfodk vkSj vk;
iznku djrk gSA 2018&19 esa 13-7 fefy;u ehfVªd Vu ftldk 65
izfr”kr varn¢Zf'k; {ks= ds lkFk fo”o ds dqy eRL; mRiknu dk
Hkkjr fo”o dk nwljk lokZf/kd eNyh mRiknd ns”k gSA varn¢Zf'k;
mRiknu dk yxHkx yxHkx 50 izfr”kr mUur eNfy;ksa ls gSA d`f’k
ds dqy ldy ?kjsyw mRikn ¼thMhih½ esa bl {ks= dk ;ksxnku 5-23
izfr”kr gSA o’kZ 2018&19 esa eRL; ,oa eRL; mRikn dk fu;kZrd
ewY; # 47620 djksM+ FkkA eRL; ikyu dh iz[kj lEHkkoukvksa dks
ns[krs gq;s ljdkj us Qjojh 2019 esa eRL; ikyu dk ,d i`Fkd
foHkkx l`ftr fd;k rFkk lHkh ;kstukvksa dks ^^uhyh dzkfUr** dh ,d
Nrjh ;kstuk esa foy; dj fn;kA ljdkj us # 7522 djksM+ ds
fofu/kku ls vkjEHk djrs gq;s eRL; ikyu fodkl gsrq ,DokdYpj
bUQzkLVªDpj Msoyies.V Q.M ¼,vkbMh,Q½ Hkh l`ftr fd;k gSA
eRL; fodkl esa xjhcksa dks vk; vkSj vkthfodk iznku djus ds
lkFk gh leqnzh lalk/kuksa ds vfrmiHkksx@âkl ls cpkus gsrq
laaoguh; fodkl y{; dkss ,dhd`r djus ij Hkh cy fn;k x;k gSA
Hkkjr ljdkj us o’kZ 2022 rd d`’kdks dh vk; dks nqxuk dj nsus
dk egRokdka{kh y{; fu/kkZfjr fd;k gSA Hkkjr esa d`f’k {ks= ls]
vkxkeh dqN o’kksZ esas] bl {ks=a esa fuos”k esa dh xbZ o`f) ds dkj.k
csgrj xfr ls izxfr dh vis{kk;sa gSaA Qlyks dh mRikndrk esa]
Qlyksa dh ek=k rFkk i'kq /ku mRikndrk ls mRiknu esa o`f)]
lalk/ku mi;ksx n{krk esa o`f) ls mRiknu ykxr esa deh] mPp
ewY; dh Qlyksa dh vksj ifjorZu] foi.ku lq/kkj] rFkk dqy
mRiknu ykxr rFkk mPprj ewY; ds fy;s visf{kr U;wure vf/k”ks’k
vk/kkfjr U;wure leFkZu ewY;] fdlkuksa }kjk csgrj ewY; izkfIr
rFkk ewyr% yksxksa dh d`f’k ij fuHkZjrk dks de djus ds fy;s mUgsa
vd`f’k {ks= ds O;olk;ksa dh vksj ifjofrZr djuk] vkfn dqN
egRoiw.kZ uhfr;ka gSSa ftUgsa d`’kdksa dh vk; dks nqxuk djus ds fy;s
viuk;k x;k gSA ,Qihvks ¼fdlku mRiknd laxBu½ NksVs fdlkuksa
dks mUgsa ewY; Jaq[kyk esa xgurk ls “kkfey dj viuh vk; dks
vf/kdre djus ds fy;s izpqj lEHkkouk;sa izLrkfor djrk gSA
fdlku mRiknd laxBu ¼QkeZj izskM~;wlj vkxsZukbjs”ku½ lajpuk
dks O;olkf;d dq”kkxzrk rFkk cktkj ds lEidZ lqn`<+ cukus ds fy;s
orZeku esa leFkZu lsokvksa dh vko”;drk gSaA vU; izeq[k eqn~ns tSls
fd csgrj chek “krsZa] xq.koÙkk ewY;kadu] vk/kkjHkwr lajpuk] Qly
izcU/ku ds fy;s ;FkkFkZr% d`f’k lek/kku] foÙk dh miyC/krk bR;kfn
dks ,Qihvks dh lQyrk ds fy;s lgh <ax ls le>us dh
vko”;drk gSaA
tyok;q ifjorZu d`f’k ds le{k ,d izeq[k pqukSrh gSaA uhfr fuekZ.k
Lrj rFkk d`f’k Lrj ij c<+rs gq;s rkieku dks de djus gsrq
vuko`f’V lfg’.kq Qlyksa dh fdLeksa dks viukuk] izHkkoh ty
izcU/ku rFkk d`f’k dk;ksZa esa uohurk ds fy;s ,d izHkkoh tyok;q
tksf[ke vuqdwyu ,oa “keu uhfr gksuh pkfg,A lek/kku gsrq iwoZ
psrkouh iz.kkyh vfu;fer tyok;q ifjorZu dh ?kVukvksa dk
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60dr¨dm{f©H [anmoQ ©2019-2020
vuqeku yxkus ,oa tksf[ke de djus esa ,d vge Hkwfedk fuoZgu
dj ldrh gSA
dsUnzh; ctV 2020&21 esa # 2-83 yk[k djksM+ dk izko/kku d`f’k ,oa
xzkeh.k fodkl ds fy;s fd;k x;k gSa ftlesa d`f’k] flapkbZ] rFkk
lEc) fdz;kdyki ds fy;s # 1-60 yk[k djksM+ rFkk xzkeh.k
fodkl ,oa iapk;rh jkt ds fy;s # 1-23 yk[k djksM+ fu/kkZfjr
fd;k x;k gSA
ctV esa iz/kkuea=h&fdlku] fdlkuksa dh vk; leFkZu ;kstuk
dks cuk;s j[kus dk izLrko gS ftlds vUnj # 6000-00 ik=
d`’kd ifjokj dks izR;sd # 2000-00 dh rhu =Sekfld fd”rksa
esa Hkqxrku fd;k tkuk gSA
jkT; ljdkjksa dks d`f’k foi.ku dks lqn`<+ djus ds fy;s ekWMsy
,xzhdYpj yS.M yht+ vf/kfu;e 2016] ,ih,elh ,DV 2017
rFkk dkUVªSDV QkWfeZax ,DV 2018 vaxhdkj djus gsrq
izksRlkfgr djukA
d`f’k esa lkS;Z ÅtkZ dks c<+kok nsus ds fy;s 20 yk[k d`’kdksaa dks
flapkbZ ds fy;s LVS.M vyksu lksyj iEi ;kstuk lgk;rk
iznku dh tk jgh gS rFkk 15 yk[k d`’kdksa dks fxzM ls tqM+s
lfapkbZ iEi lsV dks lkS;Z ÅtkZ lapkfyr cukusa ds fy;s
lgk;rk iznku djkbZ tk;sxhA
d`’kdks dks “kh?kz u’V gksus okys mRiknksa tSls Qy] lfCt;ka]
Qwy vkfn ds fy;s ?kjsyw vkSj varjkZ’Vªh; cktkjksa esa lqyHkrk
ls igqpusa ds fy;s ukxj foekuu ea=ky; }kjk d`f’k mM+ku
;kstukA
,sls d`f’k ds xksnkeksa rFkk “khr x`gksa ds izfrfp=.k rFkk ft;ks
VSfxax ftudh {kerk dk vkadyu 162 fefy;u ehfVªd Vu
ukckMZ }kjk fd;k x;k gSA
Lo;a lgk;rk lewgksa ds ek/;e ls ifjogu ykxr rFkk [kk|
inkFkksa ds {k; ls cpkus gsrq xzkeh.k Hk.Mkj.k lqfo/kk dks lqn`<+
cukukA
nw/k] ekal rFkk eNyh lfgr “kh?kz u’V gksus okyh oLrqvksa ds
Rofjr ifjogu O;oLFkk ds fy;s ihihih ekMy ds ek/;e ls
fdlku jsy ;kstuk dh LFkkiukA
nqX/k izlaLdj.k {kerk 2025 rd 53-5 fefy;u Vu ls c<+k
dj 108 fefy;u Vu nqxuh dh tk,xhA
2022&23 rd eNyh mRiknu 200 yk[k Vu rd c<k;k
tk;sxkA 3477 lkxj fe=ksa rFkk 500 eRL; d`’kd mRiknd
laxBuksa ds ek/;e ls ;qokvksa dks eRL; ikyu izlkj es
lfEefyr djrs gq;s eRL; fu;kZr dks 2024&25 rd ,d
yk[k djksM+ rd c<kus dk y{;A
jklk;fud moZjdksa ds nkSj ds izksRlkgu dks ifjofrZr djus ds
fy;s d`’kdksa dks lHkh izdkj ds moZjdksa ds mi;ksx djus ds
fy;s izksRlkfgr djukA
iz/kkuea=h Qly chek ;kstuk dk 6-11 djksM+ ifjokjksa rd
foLrkj fd;k tkukA
d`f’k flapkbZ ;kstuk dks tkjh j[krs gq, blh ek/;e ls lw{e
flapkbZ ij ladsfUnzr djukA
vkS|fud mRiknksa ds csgrj foi.ku ,oa fu;kZr ds fy;s ,d
mRikn ,d tuin dk;ZdzeA
eYVh fV;j dzkfiax] e/kqeD[kh ikyu] thjks ctV uspqjy
QkfeZax rFkk vkWu ykbu jk’Vªh; tSfod mRikn cktkj dks
l”kDr cukus ij ladsfUnzr y{; ds lkFk o’kkZ flafpr {ks= esa
lesfdr d`f’k iz.kkyh dk foLrkj fd;k tk,xkA
dsUnzh; ctV 2020&21 esa d`f’k
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dsUnzh; ctV 2020&21 esa d`f’k
- 5 -
60dr¨dm{f©H [anmoQ ©2019-2020
,sfrgkfld n`f’V ls] Hkkjr esa fdlku lk/kughu gS tks mRiknu dks
lqlk/; cukus rFkk miHkksx iz.kkyh ds lqpkj lapkyu ds fy;s cqjh
rjg ls _.k ij fuHkZj djrk gSA o’kkZ flafpr ifjfLFkfr;ksa ,oa d`f’k
dh ijEijkxr vfuf”prkvksa ds lkFk “kks’k.kdkjh C;kt njksa ds lkFk
fdlkuksa dh c<+rh _.kxzLrrk Hkkjrh; d`f’k dh lrr pyh vk jgh
fo”ks’krk gSA oLrqr% laLFkkxr lk[k 19oha “krkCnh ds vUr rd Fkk
gh ugha ;|fi d`’kdksa ;nk&dnk ljdkj dh vksj ls] fo”ks’krkSj ij
vuko`f’V o’kksZa ds nkSjku _.k ns fn;s tkrs FksA fdlkuksa dks _.k nsus
ds fy;s lgdkjh lfefr;ksa dh lajpuk dk fopkj dsoy 20oha
“krkCnh ds izkjEHk esa vk;kA bl fopkj ds ifj.kkeLo:i lgdkjh
lfefr vf/kfu;e 1904 ds :Ik esa vf/kfu;fer gqvkA “kuS “kuS
lgdkfjrk;sa iwjs ns”k esa d`f’k lk[k dk egRoiw.kZ L=ksr gks xbZA 20oha
“krkCnh ds izkjfEHkd dky esa xzkeh.k lk[k us fujUrj ljdkj dk
/;ku vkdf’kZr fd;kA 1904 dk vkjfEHkd vf/kfu;e ds ckn
lgdkjh lk[k lfefr;ksa dks oS/kkfud ekU;rk nsus gsrq lgdkjh
vf/kfu;e 1912 ykxw fd;k x;kA izknsf”kd lgdkjh cSadksa dh
LFkkiuk ds ifj.kkeLo:Ik f=&Lrjh; lgdkjh lk[k lajpuk bl
vof/k dh nwljh egRoiw.kZ miyfC/k jghA ;|fi lgdkjh lk[k dk
ifjpkyu vYidkyhu _.kks rd gh lhfer jgkA blds lkFk gh
fdlkuksa dks vius iwoZ _.kksa ds ifjlekiu ds fy;s viuh d`f’k Hkwfe
esa Qly dh mit dk cgqr cM+k Hkkx C;kt ds :i nsuk iM+ jgk Fkk]
esa ftlls efqDr ikus ds fy;s nh?kZdkyhu _.kksa dh vko”;drk FkhA
bl izdkj ds nh?kZdkyhu _.k dh vko”drk dh iwfrZ ds fy;s Hkwfe
cU/kd cSad dh LFkkiuk 1920 ds izkjEHk esa dh xbZ FkhA 1920 esa
iatkc esa izFke Hkwfe ca/kd cSad dh LFkkiuk ds ckn izknsf”kd ,oa
izkFkfed Lrj ij bl izdkj ds cSadksa dh LFkkiuk vU; jkT;ksa esa gqbZA
bu iz;klksa ds ckn Hkh 1951 rd dsoy 3-3 izfr”kr fdlku gh
lgdkfjrkvksa ls _.k izkIr dj ik;s rFkk ek= 1 izfr”kr d`’kd
okf.fT;d cSadksa ls _.k dk izkIr dj ldsA vf[ky Hkkjrh; xzkeh.k
losZ{k.k fjiksVZ 1954 us ik;k fd d`f’k lk[k u rks ifjek.k esa lgh Fkk
u gh izdkj ls fn;k tk jgk Fkksa vkSj u gh lgh mn~ns”; ds fy;s
fdlkuksa dks fey ik jgk Fkk vkSj izk;% ;g lgh yksxksa rd igqap ikus
esa vlQy FkkA lfefr us lgdkfjrkvksa ds fdlkuksa dh d`f’k
vko”;drkvksa dk;ksZ dks iwjk dj ikus esa vusd dfe;ka ik;ha ysfdu
;g vuqHko fd;k fd fdlkuksa ds fy;s _.k dks lgh fn”kk esa ys
tkus esa lgdkfjrkvksa dh vge Hkwfedk gS] varr% fu’d’kZ fudkyk
fd ^lgdkfjrk vlQy jgh fdUrq lgdkfjrk dks lQy gksuk
pkfg;sA 1963 esa lgdkjh lk[k lajpuk] fo”ks’k :i ls Hkwfe fodkl
cSad dks nh?kZdkyhu dks’k miyC/k djkus ds fy;s d`f’k iquZfoÙk
fuxe dh LFkkiuk dh xbZA xzkeh.k lk[k dh miyC/krk dh leh{kk
rFkk d`f’k lk[k ds izokg dks lq/kkjus ds fy;s leqfpr mik;ksa dh
laLrqfr ds fy;s 1966 esa vf[ky Hkkjrh; xzkeh.k lk[k losZ{k.k
lfefr dk xBu fd;k x;kA lfefr us laLrqfr dh fd
lgdkfjrkvksa ds lkFk gh okf.kfT;d cSad xzkeh.k _.k forj.k esa
iwjd Hkwfedk fuoZgu djsaA 1969 esa cSad jk’Vªh;dj.k rFkk izkFkfed
{ks= dks _.k forj.k dh vo/kkj.kk ds fdz;kUo;u us okf.kfT;d
cSadksa dks o`gn:i ls xzkeh.k lk[k O;oLFkk esa ykus esa mRizsjd dk
dk;Z fd;kA
vxz.kh cSad ;kstuk Hkh fodsUnzhd`r ;kstuk ds fy;s mlh o’kZ ykxw
dh xbZ] ftlds vUrxZr izR;sd tuin dks ,d okf.kfT;d cSad ds
lkFk j[kk x;kA fQj Hkh ;s lHkh midze d`f’k ds fy;s _.k izokg esa
visf{kr lq/kkj yk ikus esa blfy;s vlQy jgs D;ksafd okf.kfT;d
cSad y?kq ,oa lhekUr d`’kdksaa dh vko”;drkvksa dks iwjk dj ikus ds
fy;s izf”kf{kr ugha fd;s x;s Fks tcfd lgdkfjrkvksa ds ikl
fdlkuksa dh c<+h gqbZ _.k dh ekax dks iwjk djus ds fy;s lalk/kuksa
dk vHkko Fkk vkSj blh i`f’BHkwfe ij] ujflagu dk;Z ny dh
laLrqfrvksa ds vk/kkj ij 1975 esa {ks=h; xzkeh.k cSadksa dh LFkkiuk dh
xbZA {ks=h; xzkeh.k cSad dh dYiuk ,d i`Fkd cSfdax lajpuk ds
:Ik esa dh xbZ ftlesa lgdkfjrk ds ykHk] LFkkuh;rk Hkkouk vkSj
xzkeh.k leL;kvksa dh vPNh tkudkjh o O;kolkf;drk rFkk
lalk/ku vk/kkj okf.kfT;d cSad lekfgr FkkA bl izdkj 70 ds
n”kd dk vUr cgq vfHkdj.k iz.kkyh ftlesa lgdkfjrk] okf.kfT;d
cSad rFk {ks=h; xzzkeh.k cSad lfEefyr Fks] xzkeh.k lk[k O;oLFkk ds
:i esa mHkjsA rnuUrj] lfefr ds lq>koksa dk vuqlj.k djrs gq,]
gsrq laLFkkxr lk[k dh leh{kk dh O;oLFkk ds fy;s 1982 esa d`f’k
,oa xzkeh.k fodkl cSad ¼ukckMZ½ dh LFkkiuk dh xbZ ftlus
,vkjMhlh ds lHkh dk;Z rFkk Hkkjrh; fjtoZ cSad ds d`f’k rFkk
xzkeh.k lk[k lEcU/kh lHkh dk;ksZsa dk nkf;Ro ys fy;kA ukckMZ
foÙkh; lgk;rk iznku djus esa egRoiw.kZ Hkwfedk fuoZgu djrk gS
rFkk xzkeh.k lk[k ds {ks= esa laLFkkxr fodkl dks lqxe cukrk gSA
- 6 -
60dr¨dm{f©H [anmoQ ©2019-2020
xzkeh.k lk[k ifjn`';
- 7 -
1990 us foÙkh; iz.kkyh ds lq/kkjksa ij xfBr lfefr ds lq>koksa ij
vk/kkfjr ¼v/;{k Jh ,e ujflagu 1991½ foÙkh; {ks= ds lq/kkjksa dks
HkyhHkkafr ns[kk gSA
Okkf.kfT;d cSadksa ds ek/;e ls d`f’k lk[k ij mPp Lrjh; lfefr
lfgr vusd xzkeh.k foÙkh; iz.kkyh lfefr;ka ¼vkj-oh- xqIrk]1998½]
lgdkjh lk[k iz.kkyh ,oa dk;ksaZ ij dk;Z cy v/;;u rFkk mldks
lqn`<+ djus mik; ¼txnh”k diwj 1999½] xzkeh.k lk[k ij fo”ks’kK
lfefr ¼oh-,l-O;kl] 2001½] oS|ukFku dk;Zcy&A vkSj AA] ¼2000
ds izkjEHk esa½] bR;kfn ml nkSjku xfBr dh xbZa FkhA 1990 ls Hkkjr
esa foÙkh; {ks= esa lq/kkjksa dh izfdz;k mi;qZDr lfefr;ksa dh laLrqfr;ksa
ds vk/kkj ij izkjEHk dh xbZA rFkkfi] ;g ns[kk x;k fd ,d vksj
okf.fT;d cSadksa rFkk {ks=h; xzkeh.k cSadksa ls lEcfU/kr laLrqfr;ksa dks
vf/kdak”kr% fdz;kfUor fd;k x;k ogha nwljh vksj xzkeh.k lgdkjh
lk[k lajpuk ij visf{kr /;ku ugha fn;k x;kA ,d vksj
vYidkyhu lgdkjh lk[k lajpuk ¼,lVhlhlh,l½ ij oS|kukFku
dk;Z cy fjiksVZ ij iwjh rjg ls /;ku ugha fn;k x;k tcfd
nh?kZdkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ dks iwjh rjg ls
misf{kr fd;k x;k rFkk mls fcYdqy gh fdz;kfUor ugha fd;k x;kA
d`f’k {ks= ds _.k izokg esa vlk/kkj.k o`f) xr 15 o’kZksa esa gqbZ gS
tSlk fd uhps nh xbZ o’kZ 2005&06 ls 2020&21 rd dh d`f’k lk[k
ds o’kZokj y{; ,oa miyfC/k;ka bafxr rkfydk esa ns[kk tk ldrk
gS%&
•
•
dks’Bd ds vUnj vkadM+s xro’kZ ds lkis{k gq;s izfr”kr ifjorZu bafxr djrs gSA
L=ksr % ctV lays[k rFkk Hkkjr ljdkj dk vkfFkZd losZ{k.k ¼2005&06 ls 2018&19½ rFkk ukckMZ okf’kZd fjiksVZA
vkdM+s&17 d`f’k lk[k xr i`’B 157 ¼vkfFkZd losZ{k.k 2016&17 Hkkjr ljdkj½*
o"kZ y{; miyfC/k
2005-06 1,41,500 (34.76%) 1,80,486 (44.03%)
2006-07 1,75,000 (23.67%) 2,29,401 (27.10%)
2007-08 2,25,000 (28.57%) 2,50,000 (08.98%)
2008-09 2,80,000 (24.44%) 3,02,908 (20.76%)
2009-10 3,25,000 (16.07%) 3,84,541 (26.94%)
2010-11 3,75,000 (15.38%) 4,68,291 (21.79%)
2011-12 4,75,000 (26.66%) 5,11,029 (09.13%)
2012-13 5,75,000 (21.05%) 6,07,375 (18.85%)
2013-14 7,00,000 (21.74%) 7,30,765 (20.31%)
2014-15 8,00,000 (14.28%) 8,45,328 (15.68%)
2015-16 8,50,000 (06.25%) 9,15,509 (08.30%)
2016-17 9,00,000 (05.88%) 10,65,755 (18.42%)*
2017-18 10,00,000 (11.11%) 11,62,617 (16.26%)
2018-19 11,00,000 (10%) 12,54,762 (14.06%)*
2019-2020 12,00,000 -
2020-2021 15,00,000 -
60dr¨dm{f©H [anmoQ ©2019-2020
¼/kujkf #- esa½'k djksM+
2018&19 esa forfjr # 12]54]762 djksM esa ls vf/kdre lhek rd
# 6]26]087-53 djksM+ ¼vfUre½+ y?kq ,oa lhekUr d`’kdksa dks forfjr
fd;k x;k tks dqy forfjr _.k dk 49-90 izfr”kr gSA
Yk?kq ,oa lhekUr d`’kd tks 85 izfr”kr d`f’k tksr ifjpkfyr djrs
gSa rFkk dqy {ks=Qy ds vk/ks ls vf/kd d`f’k {ks= ds fy;s mÙkjnk;h
gksrs gq;s Hkh ml vuqikr esa laLFkkxr _.k dk ;Fkksfpr Hkkx izkIr
ugha dj ik jgs gSaA fdlkuksa dks vYidkyhu _.k tSls vknkuksa dh
[kjhn] fujkbZ] dVkbZ] NVkbZ rFkk <qykbZ ds fy;s _.k dh
vko”;drk gksrh gS vFkok nh?kZdkyhu mi;ksx tSls d`f’k ;a=hdj.k
,oa la;=ksa vFkok flapkbZ esa fuos”kA y?kq ,oa lhekUr d`’kd
vf/kdka”kr% Åaph C;kt nj ds _.k izkfIr ds vukSipkfjd L=ksarkas
ij fuHkZj jgrs gSaA
fiNys dqN n”kdksa ls] fo”ks’k:i ls 1990&91 ls] nh?kZdkyhu _.k
ds va”k esa fujUrj fxjkoV vk jgh gS ftldk vFkZ gS fd d`’kd
nh?kZdkyhu fuos”k ds fy;s _.k ds LFkku ij vkorhZ [kpksZa ds fy;s
_.k ys jgk gSA ;|fi mRiknu _.k ds izokg esa izR;sd o’kZ o`f) gks
jgh gS fdUrq d`f’k fuos”k _.k dh Hkkxhnkjh esa fxjkoV rFkk iWwth
fuekZ.k rFkk mRikndrk o`f) dh /khehxfr dkj.k d`f’k mRiknu esa
lekuqikfrd o`f) ifjyf{kr ugha gqbZ gSA
vuqeku gS fd d`f’k esa dqy _.k dk 75 izfr”kr okf.kfT;d cSadksa
}kjk rFkk vo”ks’k lgdkfjrkvksa ,oa {ks=h; xzkeh.k cSadksa va”k dze”k%
15 izfr”kr vkSj 10 izfr”kr }kjk vfHknÙk gSA rFkkfi _.k esa
izfrosfnr o`f) {ks= esa ugha fn[kkbZ ugha iM+hA yxHkx 1540 fefy;u
d`f’k ifjokj vkSipkfjd _.k iz.kkyh dh ifjf/k ls ckgj gSaA
lk/kkj.k fdlku vHkh Hkh cSafdax O;oLFkk ls _.k izkIr dj ikus esa
dfBukbZ vuqHko djrk gSA okf.kfT;d cSadksa ds vkf/kiR; ds ckotwn
d`f’k _.k ds vkadM+ksa es lgdkfjrk;s vHkh Hkh 60 izfr”kr d`f’k _.k
dk izeq[k L=ksr cuh gqbZ gSaA
{ks=h; xzkeh.k cSadksa us d`f’k _.k forj.k esa dqy _.k forfjr _.k
esa 10 izfr”kr rFkk dqy _.kh lnL;ksa dh yxHkx 20 izfr”kr
Hkkxhnkjh esa mYys[kuh; o`f) ntZ dh gSA lPpkbZ ;g gS fd
lgdkfjrk,a ,oa {ks=h; xzkeh.k cSad nksauksa gh ,d lkFk d`f’k {ks= ds
80 izfr”kr _.k forj.k dks vkPNkfnr djrh gSa rFkk okf.kfT;d
cSadksa }kjk d`f’k {ks= fdlkuksa ds fy;s ek= 20 izfr”kr _.k forj.k
fd;k tkuk “ks’k cprk gSA fuLlUnsg okf.kfT;d cSadksa ds ek/;e ls
fdlkuksa dks lh/ks fn;s tkus okys _.k dh ek=k muds }kjk ;FkkFkZr%
izfrosfnr okLrfod _.k forj.k ls dkQh de gksrh gSA okf.kfT;d
cSadksa }kjk d`f’k _.kksa dh vfrx.kuk ds dkj.k xzkeh.k lk[k esa
ljdkj dh uhfr;ka fu’Qy gqbZ gSa lkFk gh ljdkjh uhfr;ksa esa
lgdkfjrkvksa ds ek/;e ls _.k izokg ds iks’k.k djus dh uhfr ,oa
dk;Zdzeksa dks vkxs c<kus esa ck/kd gksus rFkk muds egRo cgqr rsth
ls ?kVk fn;k gSA
d`f’k iSnkokj ¼vkSlr izfr gsDVj mRiknu dh n`f’V ls½ vf/kdka”k
Qlyksa dh lokZf/kd mRiknu djus okys ns”kksa tSls phu] czkt+hy
rFkk la;qDr jkT; vesfjdk ls rqyuk djus ij dkQh de ik;h xbZaA
d`f’k mRikndrk dks izHkkfor djus okys izeq[k eqn~nksa esa d`f’k tksr
dk vkdkj de gksuk] fujUrj vuqi;qDr flapkbZ lalk/kukas dh
miyC/krk ds dkj.k ekUlwu ij fuHkZjrk] e`nk iks’kd rRo ds mi;ksx
esa vlUrqyu ds dkj.k Hkwfe moZjk”kfDr dk {k;] vk/kqfud
izkS|kfxdh dh ns”k ds dbZ Hkkxksa esa vfu;fer miyC/krk] vkSipkfjd
d`f’k _.k rd visf{kr igqaqp dk vHkko] cktkj vojks/ku esa _.k
lEcU/kh eqn~nsA
vU; {ks=ksa dh rqyuk esa d`f’k dh ykHkiznrk d`f’k esa futh fuos”k dks
izHkkfor djrk gS rFkk fofHkUu Qlyksa dh lkisf{kd ykHkiznrk Hkwfe
,oa vU; lalk/kuksa ds vUrj Qly vkoaVu dks fu/kkZfjr djrh gSA
d`f’k dh vk/kkjHkwr lajpuk esa lkoZtfud fuos”k d`f’k esa ykHkiznrk
fu/kkZfjr djus okyk ,d egRoiw.kZ dkjd gSA fQj Hkh d`f’k esa
lkoZtfud fuos”k xr n”kdksa esa rsth ls fxj jgk gSA d`f’k esa orZeku
ladV rFkk fdlkuksa dh ihM+k dk gy fudkyus ds fy;s lkoZtfud
fuos”k esa d`f’k ds vk/kkjHkwr lajpuk ds fxjrs gq;s #>ku esa cnyko
ykuk vfuok;Z gSA
d`f’k ,oa xSj d`f’k {ks= esa c<+rh gqbZ vk; vlekurk ds d’Vnk;d
#>ku dks mRiknd volj l`tu ds }kjk d`f’k ls Je cy ds ,d
cM+s Hkkx dks vd`f’k {ks= esa ifjofrZr fd;s tkus dh Hkh vko”;drk
gSA
d`f’k {ks= dh lokZf/kd egRoiw.kZ igyh vko”;drk fdlkuksa dks
nh?kZdkyhu fuos”k djus ds fy;s mRizsfjr fd;s tkus dh gSaA
fulansg] u dsoy _.k ds izokg vkSj vk/kkjHkwr fuos”k l`tu dks
c<k dj oju d`f’k&foi.ku rFkk d`f’k&izd`e.k ds fodkl ds }kjk
tuekul ds lg;ksx dh vko”;drk gksxhA fuos”k vko”;drkvksa
dh iwjs ns”k@{ks= esa] d`f’k tyok;q vk/kkfjr LFkkfud ifjfLFkfr;ksa
,oa d`f’k fodkl ds Lrj ij o d`’kdksa }kjk Qly vkSj d`f’k
lEcfU/kr dh tk jgh vU; xfrfof/k;ksa ds vuq:i fHkUurk gks ldrh
gSA
- 8 -
60dr¨dm{f©H [anmoQ ©2019-2020
lk[k] mRiknu izfdz;k esa] leFkZdkjh ,oa fodV fuos”k ds :i esa
dk;Z djrk gSA v?;;u ls ;g rF; mtkxj gksrk gS fd laLFkkxr
L=ksarksa] ;Fkk okf.kfT;d cSadksa] {ks=h; xzkeh.k cSad ,oa lgdkfjrkvksa
ls fuxZfer _.k moZjdksa] cht rFkk vU; fufo’V lkefxz;ksa ds
lgt miyC/krk iznku djkrk gS rFkk i¡wth fuekZ.k ls cgqr vf/kd
lEcfU/kr gksrk gSA ekax i{k dh vksj ls voyksdu djus ij] ;g
Li’V gksrk gS fd Hkkjr esa yxHkx 86 izfr”kr d`f’k esa fuos”k]
laLFkkxr rFkk xSj laLFkkxr L=ksarks ls izkIr _.k ds /ku ds ek/;e
fd;k tkrk gSaA ekStwnk laLFkkxr foÙk ra= dqy mRiknu _.k
vko”;drkvksa dk 65 izfr”kr ls vf/kd dks gh lajf{kr dj jgk gS]
vo”ks’k dh vkiwfrZ fuos”k _.k ls gksrh gSA lHkh cSadksa }kjk iznku
djk;s tk jgs vYidkyhu _.k vf/kdak”kr% Qly mRiknu ds fy;s
gh lgk;rk ns jgs gSa rFkk d`f’k fuos”k _.k esa mudk lg;ksx cgqr
de gSA blls d`f’k {ks= esa i¡wth fuekZ.k izHkkfor gqvk gS ftls
oLrqr% fiNys dqN o’kksZa easa blfy, c<k;k tkuk pkfg, Fkk D;ksafd
fdlkuksa dks laLFkkxr _.k vfHkdj.kksa ls izkIr _.kksa ls mudks
vius fuos”k dk Ik;kZIr ykHk ugha fey ikrk gSA orZeku vuqeku
Li’V djrs gSa fd nh?kZdkyhu lk[k u dsoy de gks jgk gS ;g dqy
d`f’k _.k dk ,d pkSFkkbZ ls Hkh de jg x;k gSA vr% uhfrxr
ncko ds lkFk Ik;kZIr ctVh; lg;ksx ls cSadksa dks izksRlkfgr fd;k
tkuk gksxkA blh izdkj] lkoZtfud fuos”k dk bl {ks= ds lcls
cM+s lk>kdkjd ij xq.kd izHkko ds dkj.k iquZthfor fd;k tkuk
nqlk/; gksxkA
Hkkjr esa jkT; Lrj ij fuos”k fuf/k vko”;drkvksa dk vkadyu d`f’k
fodkl ds fy;s ugha fd;k x;k] bls dsoy jk’Vªh; Lrj ij gh fd;k
x;kA ;kstuk vk;ksx us vuqeku fd;k fd ckjgoha iapo’khZ; ;kstuk
¼2012&2017½ ds nkSjku 3-5&4-2 izfr”kr o`f) ds y{; dks ikus
ads fy;s 20-41 izfr”kr ds fuos”k dh nj dh vko”;drk FkhA 5-32
izfr”kr dh o`f)”khy iWwath mRiknu vuqikr ¼vkbZlhvksvkj½ ij
vk/kkfjr ;g fuos”k nj dh iwfrZ lkoZtfud ,oa futh ¼d`f’k
ifjokjksa½ {ks= ls dh tkuh gSA 2007&08 ls 2011&12 arFkk 2012&-
13 ls 2013&14 rd ,oa okLrfod d`f’k vk; esa 9-23 izfr”kr ds
okf’kZd ds o`f) y{;ij vk/kkfjro`f)”khy i¡wth mRiknu vuqikr
¼vkbZlhvksvkj½] futh [kkrksa esa visf{kr fuos”k dh nj 6-62 izfr”kr
gSA lkoZtfud fuos”k ds ekeyksa esa ¼d`f’k ds fy;s½ fuos”k nj 6-92
izfr”kr okf’kZd gSA lexz :i ls fdlkuksa dh okLrfod vk; dks
d`f’k dh mPprj vk; ds }kjk nqxuk djus esa l{ke cukusa ds fy;s
Hkkjr esa futh fuos”k 2015&16 esa 296 fcfy;u ¼# 29]559 djksM+½
ls c<+ dj 2004&05 ds ewY; ij 2022&23 esa 463 fcfy;u
¼# 46]299 djksM+½ gks tkuk pkfg,A
iwoZ vof/k ds fd;s x;s v/;;uksa us d`f’k esa 2-2 vkSj 4 izfr”kr ds
e/; ?kVrs c<+rs o`f)”khy i¡wth mRiknu vuqikr ¼vkbZlhvksvkj½ dks
mPprj izfrosfnr fd;k gS tks bafxr djrk gS fd izfr o’kZ mRiknu
esa ,d #i;s dh o`f) ds fy;s # 2-2 ls # 4 rd ,d eq”r fuos”k
fd;k tkuk visf{kr gSA i¡wthxr vis{kk,a yxHkx nksxquh gks tk,xh
;fn vk/kkjHkwr lajpuk vkSj lgk;d fuos”k esa lkoZtfud fuos”k
fd;s tkus ij fopkj fd;k tkrk gSaA VqdM+ksa esa cVs d`f’ktksrksa dh
c<rh ek=k ds lkFk ml fLFkfr esa tc fd ,sls fuos”k ij i;kZIr
izfrQy lqfuf”pr u fd;k x;k gks] lhekUr d`’kd ds fy;s ml ij
fuos”k _.k ysuk fcYdqy vlEHko gksxkA bl izdkj] fuos”k lk[k
ij tksf[ke ,oa izfrQy vuqikr dkQh vf/kd gksus dh fLFkfr esa]
,slk _.k ftlesa ykHk Hkh cgqr de gks] y?kq ,oa lhekUr d`’kdsk ds
le{k Åaph nj ij _.k ysus esa la”k; jgsxkA tSlk fd mi;qZDr
bafxr fd;k x;k gS tc rd tksf[ke ykHk vuqikr ldkjkRed ugha
gksrs] d`’kd laLFkkxr vfHkdj.k ls _.k ys dj vfrfjDr fuos”k
djus dk dksbZ Hkh tksf[ke ysuk ugha pkgsaxsA
laLFkkxr lk[k lapj.k ra= ds ikl nh?kZdkfyd lalk/ku ugha gksrs
gSA ukckMZ ls iznÙk iqufoZÙk lqfo/kk dsoy cSadksa ls rjyrk lg;ksx
ds ek/;e ls gh lqyHk gSA okf.kfT;d cSad lkekU;r;k iquZHkqxrku
vof/k dks vius fuos”k _.k leFkZu esa nck nsrs gS QyLo:i
fdlkuksa dks ml _.k ds Hkqxrku ds fy;s ncko Mkyrs gSa ftl ij
mUgsa dksbZ vk; l`ftr ugha dh gSA QyLo:i d`’kd viuh foÙkh;
vko”;drkvksa ds fy;s vukSipkfjd L=ksrksa ls lEidZ djus ds fy;s
ck/; dj fn;k tkrk gS] ftudh C;kt dh njsa cgqr T;knk gksrh gSaA
lgdkjh cSadksa ,oa {ks=h; xzkeh.k cSadksa ds ikl i;kZIr nh?kZdkyhu
lalk/ku ugha gksrs gSa ftlls og fuos”k _.k esa viuh fgLlsnkjh c<+k
ldsaA ,vkjMhcSad vius lnL;ksa dh fuos”k _.k vko”;drkvksa dks
dHkh dHkh ukckMZ ds iqufoZÙk ds lg;ksx ds fcuk Hkh lnL;ksa dh ekax
dks iwjk djus okys dsoy ,dek= L=ksr gSaA ;fn ,vkjMh cSadksa }kjk
fuos”k _.k ds va”k dks c<k;s tkus dh vko”;drk gks] mUgsa ukckMZ
vFkok vU; mPp vfHkdj.k ls mnkjhd`r foÙk iznku fd;k tkuk
pkfg, D;kasfd ,vkjMhcSad gh uhfr fuekZrkvksa }kjk nh?kZdkyhu
fuos”k _.k iznku djkus okyk l`ftr dsoy mn~ns”;ijd L=ksr gSA
vr% ;g ukckMZ dh iqufoZÙk uhfr ds iqujkoyksdu dh vihy djrk
gS ftls ,vkjMh cSaadks dks lhfefr _.k forj.k uhfr;ksa esa ckf/kr
- 9 -
60dr¨dm{f©H [anmoQ ©2019-2020
60dr¨dm{f©H [anmoQ ©2019-2020
djus ds LFkku ij mudk leFkZu djrs gq;s mnkjrkiwoZd fcuk
fdlh cU/ku ds vxzlfdz; Hkwfedk dk fuoZgu djuk pkfg,A oLrqr%
ukckMZ loZizFke viuk iqufoZÙk cdk;k Hkqxrku dh olwyh dj jgk gS
tc fd izkjEHk ls ;s vius _.kh lnL;ksa dks fn;s x;s _.k dh
olwyh dj ikus esa vleFkZ gSaA ukckMZ dks viuh uhfr;ksaa ij
iqufoZpkj djusa dh vko”;drk gS rFkk bls vius iqufoZÙk dh fd”rksa
dks ,vkjMh cSadksa }kjk ysVj ,.M fjises.V ¼ckn esa & vfUre
Hkqxrku½ uhfr vaxhdkj dj olwyh djuh pkfg;sA bl izdkj dk
n`f’Vdks.k ,vkjMh cSadksa dks vusd lkekftd ,oa jktuSfrd dkj.kksa
ls mRiUu gksus okyh izfrdwy olwyh ifjfLFkfr;kas dk lkeuk djus
ds fy;s i;kZIr xqatkb”k iznku djsxk rFkk ukckMZ Hkh tksf[ke
Hkkxhnkjh n`f’Vdks.k esa lgHkkxh gksxkA
,yVhlhlh,l ¼nh?kZdkyhu lgdkjh lk[k laajpuk½ dk iqu#)kj
cqjh rjg ls foyfEcr gqvk gS ftlls bldh fdlkuksa dh
nh?kZdkyhu vko”;drkvksa dks iwjk djus dh {kerk izHkkfor gqbZ gSA
ljdkj dks ,yVhlhlh,l ¼nh?kZdkyhu lgdkjh lk[k laajpuk½ dk
oS|ukFku dk;Zcy&AA }kjk laLrqr fd;s x;s iqu#)kj iSdst dks
vfoyEc ykxw djk nsuk pkfg,A
fdlkuksa dks Åaph C;kt nj ij miyC/krk fuos”k lk[k dk nwljk
egRoiw.kZ eqn~nk gS ftlij izkFkfedrk ds vk/kkj ij fopkj fd;k
tkuk pkfg,A dsUnz ljdkj us Qlyh _.kksa dks ogu djus ;ksX;
njka ij cuk;s j[kus ds fy;s dne mBk;s gSaA C;kt esa 3 izfr”kr ds
vuqnku fn;s tkus ds mijkUr Qlyh _.k ij vf/kdre C;kt nj
4 izfr”kr okf’kZd gSaA jkT; ljdkjksa }kjk vfrfjDr vuqnku fn;s
tkus ds ckn dqN jkT;ksa esa Qlyh _.k vc “kwU; C;kt nj ij
miyC/k djk;k tk jgk gSA fQj Hkh d`f’k lk[k dh ykxr dks de
djus ds fy;s d`f’k fuos”k ds fy;s fn;s x;s _.kksa gsrq buesa ls dksbZ
Hkh mik; ugha fd;s x;s gSaA
ukckMZ dk cSadks dks fuos”k lk[k ds fy;s iqufoZÙk lg;ksx dh
8-50 izfr”kr okf’kZd C;kt nj vfUre _.kh lnL; Lrj ij ykxr
esa o`f) ds lkFk O;kt nj 12 ls 14 izfr”kr ds Lrj ij igqp tkrh
gSA Qlyh _.k ,oa fuos”k _.k dh C;kt njksa esa cgqr cM+k vUrj
d`f’k fuos”k ds fy;s vR;Ur grksRlkfgr djus okyk gks x;k gSA
ljdkj us okf.kfT;d cSadksa esa d`f’k gsrq forfjr _.k esa gqbZ gkfu;ksa
dks ns[krs gq;s ukckMZ esa nh?kZdkyhu xzkeh.k lk[k ds fy;s ,d dks’k
dk l`tu fd;k gSA ukckMZ bl dks’k dk mi;ksx fuos”k _.k iqufoZÙk
de C;kt nj ij 5 o’kZ dh vof/k gsrq nsus ds fy;s dj jgk gSA
;|fi ,llh,vkjMh cSaDl dks muds vf/kdka”k _.k 5 o’kZ ls vf/kd
yEch vof/k ds gksus ds dkj.k ,yVhvkjlh,Q ls cgqr NksVh
/kujkf”k nh xbZA ,vkjMh cSadksa }kjk fuos”k _.k ds va”k dks c<+kus
ds fy;s dk;Zny dh laLrqfr;ksa ds vk/kkj ij rFkk fnukad 6 ekpZ
2019 dks v/;{k ukckMZ ls fopkj foe”kZ ds ckn] ukckMZ us
nh?kZdkyhu _.kksa ds fy;s iqufoZÙk dh vof/k 9 o’kZ ds fy;s rFkk
,yVhvkjlh,Q ds lkFk vkaf”kd lg;ksx ds lkFk 5 o’kZ rd rFkk
vo”ks’k vof/k ds fy;s ukckMZ lkekU; _.k ij ns; C;kt tks ykxw
gksxk] pktZ djsxkA ;g NwV yEch vof/k rd ,vkjMh cSadksa dks
fof”k’V lhek rd lalk/kuksa dh deh dks iwjk djus ds fy;s visf{kr
xqatkb”k nsrs gq;s vkSj vf/kd iqufoZÙk mi;ksx ds fy;s tkjh jgsxhA
d`f’k gsrq foÙk iks’k.k fo”ks’k:i ls o’kkZ flafpr ifjfLFkfr;ksa esa]
ftlds vUrxZr d`y d`f’kxr {ks= dk 63 izfr”kr {ks= gS] esa cgqr
vf/kd tksf[ke gSA orZeku esa d`f’k foÙk iks’k.k easa tks tksf[ke
lfEefyr gS] og _.knkrk laLFkku }kjk ogu fd;k tkrk gS tks
muds mPpLrjh; ,uih, dk dkj.k gSaA ,vkjMh cSadksa lfgr
lgdkjh lk[k lajpuk esa cgqr cM+h la[;k esa laLFkk,a tks eq[; :Ik
ls NksVs ,oa lhekUr d`’kdksa dh vko”;drkvksa dk /;ku j[krh gSa]
mudk ,uih, lguh;s Lrj ls ijs gSA
dsUnz ,oa jkT; ljdkjksa }kjk _.k ekQh ;kstukvksa ds fdz;kUo;u
vHkh Hkh _.k olwyh ds okrkoj.k dks nwf’kr dj jgh gSaA d`f’k chek
gsrq ljdkj dk fdlkuksa dks fd;s x;s leFkZu dks Qly chek ls
vyx d`f’k ifjlEifÙk;ksa ds chekdj.k ds fy;s Hkh c<+k;k tkuk
pkfg,A ljdkj dks ,slh dk;Zokgh ftlls olwyh dk okrkoj.k
nwf’kr gksus ls cpuk pkfg, rFkk ,vkjMh cSadksa dh olwyh izfdz;k esa
gLr{ksi djus ls cpuk pkfg,A
laLFkkxr _.kksa dk cgqr cM+k fgLlk nf{k.k o mÙkj if”pe {ks= ds
dqN fodflr jkT;ksa rd gh tkrk gSA ifj.kkeLo:i d`f’k fodkl
dh vikj lEHkkoukvksa okys iwohZ vkSj mÙkj&iwohZ jkT; i;kZIr _.k
izkIr ugha dj ik jgs gSaA vusd jkT;ksa ds e/; vkSj mlds lkFk gh
{ks= ds vUnj xzkeh.k leqnk;ks ds e/;a _.k ds vleku forj.k dk
Lo:i xzkeh.k foÙk iks’k.k iz.kkyh ds fy;s cgqr cM+h pqukSrh gSaA
- 10 -
31 ekpZ 2020 rd nh?kZdkyhu lgdkjh lk[k lajpuk dh o`f) ¼# yk[k esa½
dzela[;k fooj.k
2018 19- 2019 20-
1- ,llh,vkjMh cSadksa dh la[;k
1]723 1]722
1]02]04]506 1]02]44]345
bl frfFk dks 2018&19 2019&20
9]437 9]069
iw.kZr;k dk;kZRed 13 13
vU; 3 3
2- vkmVysV dk usVodZ
,llh,vkjMh cSadksa dh “kk[kk,a
ihlh,vkjMh cSad ,oa bldh “kk[kk,a 1]063 1]062
3- O;fDr;ksa dh lnL;rk
_.kh lnL; 55]53]215 56]55]969
xSj&_.kh lnL; 46]51]291 45]88]376
4- Ckdk;k _.k 19]76]087]43 20]10]257-27
5- forfjr _.k 4]24]250-14 4]21]439-89
6- vnÙk m/kkj jkf”k;ka 14]87]110-14 13]43]719-94
7- vnÙktek 2]11]392-21 2]12]920-86
8- _.k olwyh fLFkfr
ekax 13]18]364-13 14]47]361-95
olwyh 4]79]428-14 5]58]488-85
olwyh 36-37 38-59
9- ykHk dh /kujkf”k 12]391-75 15]382-18
ykHk esa ¼la[;k½ 8 8
10- gkfu dh /kujkf”k 24]435-10 18591-17
gkfu esa ¼la[;k½ 5 5
11- deZpkfj;ksa dh fLFkfr
,llh,vkjMh cSad Lrj ij 4]779 4]576
ihlh,vkjMh cSad Lrj ij 4]658 4]493
i
ii
i
ii
i
ii
i
ii
iii
i
ii
%
660 660
;ksx
;ksx
;ksx
o’kZ ds nkSjku
orZeku esa lajpuk esa 16 ,llh,vkjMh cSad gSa ftuesa cqfu;knh Lrjij 1722 ihlh,vkjMh cSad@,llh,vkjMh cSadksa dh ”kk[kkvksa dsusVodZ ds lkFk 13 iw.kZr;k dk;kZRed gSaA bu cSadksa dh dqy lnL;la[;k 1]02]44]345 xzkeh.k ifjokj ftuesa 56]55]969 ij cdk;kvo”ks’k gSaA 31-03-2020 dks iwjh rjg dk;kZRed ,llh,vkjMh cSadksadk dqy _.k vo”ks’k rFkk vnÙk cdk;k dze”k% # 20102-57 djksM+rFkk # 13437-20 djksM+ FkkA iw.kZr;k dk;kZRed ,llh,vkjMh
cSadksa ds ikl 31-03-2019 dks # 2113-92 djksM+ ds lkis{k 31-03-2020 rd bu cSadksa dh dqy tek jkf”k # 2129-21 djksM+ Fkh tcfd budh dqy forfjr _.k jkf”k xr o’kZ ds # 4242-50 djksM+ dslkis{k 2019&20 ds nkSjku # 4214-40 djksM+ FkhA bu cSadksa dh dqyolwyh xr o’kZ ds 36-37 izfr”kr dh rqyuk esa 38-59 izfr”kr¼31 ekpZ 2020 rd½ jghA
- 11 -
nh?kZdkyhu lgdkjh lk[k lajpuk & fogaxkoyksdu
60dr¨dm{f©H [anmoQ ©2019-2020
nh?kZ dkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ esas eqn~ns ,oa
pqukSfr;ka
,yVhlhlh,l dks ,d xSj L=ksr vk/kkfjr fof”k’V vof/k ds _.k
iznku djus okyh laLFkk ds :i esa vkdfYir fd;k x;kA lajpuk esa
jkT; Lrjh; ,oa izkFkfed Lrjh; d`f"k ,oa xzkE; fodkl cSad
lfEefyr gSaA bu laLFkkvksa dks cSafdax fu;ked vf/kfu;e ds
vUrxZr vkus okyh cSadksa ds :i] esa dk;Z djus dk ykblsUl ugha
fn;k x;k gSA QyLo:i bUgsa vU; xzkeh.k foÙkh; laLFkkuksa
¼vkj,QvkbZ½ dh rjg vke yksxksa ls tek ysus dh vuqefr iznku
ugha dh xbZ gSA ifj.kkeLo:i bUgsa _.k forj.k ds fy;s Hkkjh ek=k
esa m/kkjhd`r fuf/k;ksa ij gh fuHkZj jguk iM+rk gSA Lora=rk ls iwoZ
vius dk;ksZ ds lapkyu gsrq ljdkj dk dks"k buds foÙk iks"k.k dk
iazeq[k L=ksr FkkA Hkwfe fodkl cSadksa ds dk;ksZ ds nh?kZ dkyhu
lalk/ku tqVkus gsrq o"kZ 1961 esa d`f’k iquZfoÙk fuxe ¼,vkjlh½ dks
LFkkiuk dh xbZA o’kZ 1963 esa d`f’k iquZfoÙk fuxe ¼,vkjlh½ dks
,vkjMhlh ds :i esa uke fn;k x;kA o’kZ 1982 esa ukckMZ dh
LFkkiuk gksus rd Hkkjrh; fjtoZ cSad ds d`f’k iquZfoÙk fodkl fuxe
¼,vkjMhlh½ rFkk d`f"k _.k foHkkx ¼,lhMh½ nksuksa nh?kZ dkyhu
lk[k lajpuk ¼,yVhlhlh,l½ ds dk;ksZa ds fy;s dks’k dh O;oLFkk
djrs FksA tqykbZ 1982 esa d`f’k iquZfoÙk fodkl fuxe ¼,vkjMhlh½
rFkk d`f"k _.k foHkkx ¼,lhMh½ nksuksa dks feykdj ukckMZ cuk;k
x;kA rc ls bl lajpuk ds _.k forj.k dk;Z lapkyu gsrq ukckMZ
gh dks"kksa dk izeq[k L=ksr gSA
rFkkfi] o’kZ 2000 ds izkjEHk ls ukckMZ }kjk fn;k tk jgk iquZfoÙk
lg;ksx 'kuS “kuS de gksrk tk jgk gSA blls ,llh,vkjMh cSadksa
dk _.k lapkyu xEHkhj :i ls izfrcfU/kr gqvk gSA blds
vfrfjDr dqN jkT;ksa ds ,llh,vkjMh cSad tks 'kkldh; xkj.Vh u
fey ikus vFkok vkjEHk fd;s x;s tksf[ke ewY;kadu ekun.Mksa ij
vk/kkfjr iquZfoÙk ds fy, ik=rk dh “krksZa dks iwjk dj ikus esa
vlQy jgus ds dkj.k ukckMZ ls iquZfoÙk izkIr ugha dj lds] mUgsa
lalk/kuksa ds vHkko esa _.k forj.k dk;ksaZ dks LFkfxr djuk iM+k FkkA
,llh,vkjMh cSad 0-25 izfr”kr ls ysdj 2 izfr”kr rd xkj.Vh
“kqYd ogu dj jgs gSaA bl izdkj] izHkkoiw.kZ <ax ls ,vkjMh cSadksa dh
O;ogk;Zrk dks izHkkfor djrs gq;s mudhs miyC/k ykHk dh lhekUrrk
dks fujUrj de fd;k tk jgk gSA bl ifjizs{; esa] ,vkjMh cSadksa dh
fuos”k _.k esa Hkkxhnkjh dks c<+kus ds fy;s Jh okb lh uUnk dh
v/;{krk esa xfBr dk;Zny us ,llh,vkjMh cSadkss dks mudh
HkkjeqDr xq.koÙkk okyh ifjlEifÙk;ksa rFkk vU; xq.kkRed ekin.Mksa
ds vk/kkj ij fcuk xkj.Vh vFkok tekur ds iqufoZÙk fn;s tkus gsrq
iqufoZÙk dh ,d ubZ o vfrfjDr iz.kkyh l`ftr djus gsrq ukckMZ dks
laLrqfr dh gSA
nh?kZdkyhu _.kh lnL;ksa dh vYidkyhu mRiknu _.k@
dk;Z”khy iwWath vko”;drkvksa dks iwjk djus esa v{ke jguk] ,vkjMh
cSadksa dh dk;Zi)fr ,d vU; nwljk izeq[k nks’k jgk gSA vf/kfu;e esa
izfrcU/k gksus ds dkj.k] lkekU; rkSj ij ,llh,vkjMh cSad] vHkh
gky gh rd _.k forfjr dj ikus vYidkyhu mn~ns”; gsrq esa
vleFkZ FksA gky ds o’kksZa esa] vf/kdka”k jkT;ksaa esa ,vkjMh cSad vius
nh?kZdkyhu _.kh lnL;ksa dh vYidkyhu _.k vko”;drkvksa dks
Hkh lnL;ksa ds tek laxzg.k ls vftZr dks’k rFkk ,ulhMhlh ls
vYidkyhu iquZfoRr o cSafdsx iz.kkyh ds ek/;e ls iwjk dj jgsa gSaA
fQj Hkh ,vkjMh cSad vHkh Hkh Qlyh _.k 7 izfr”kr okf’kZd dh nj
ij nsus esa vleFkZ gSa D;ksafd Hkkjr ljdkj dh Qlyh _.k C;kt
vuqnku ;kstuk ,vkjMh cSadksa ij ykxw ugha fd;k x;k gSA
Hkkjh cdk;k rFkk ”kklu }kjk izk;ksftr ;kstukvksa esa gkfu] ysu&nsu
vkSj tksf[ke ykxr esa i;kZIr ekftZu dh vuqefr fn;s fcuk
fofu;fer C;kt njksa dh yEch vof/k rFkk ;kstuk ds vUrxZr
[kkfjt fd;s x;s _.kksa dh izfriwfrZ fd;s fcuk 1990 esa dsUnz
ljdkj }kjk _.kekQh ;kstuk ds fdz;kUo;u ds dkj.k 90 ds
n”kd ls lajpuk ds laLFkkuksa esa foÙkh; fu’iknu esa fxjkoV vkuk
“kq: gks xbZA oLrqr% mi;qZDr dkj.kksa ls okf.kfT;d cSad] {ks=h;
xzkeh.k cSad rFkk vYidkfyd lgdkjh lk[k laLFkkvksa lfgr lHkh
xzkeh.k foÙkh; laLFkkuksa dks Hkh Hkkjh foÙkh; gkfu mBkuh iM+hA
;|fi okf.kfT;d cSadksa] {ks=h; xzkeh.k cSad rFkk vYidkfyd
lgdkjh lk[k laLFkkvksa dh gkfu;ka ljdkj dh vusd iquZfuekZ.k
izfdz;k ds varxZr iwfjr dj nh xbZa] fdUrq d`f’k ,oa xzkeh.k fodkl
cSada ¼,vkjMhch,l½ dh gkfu;kasa dh {kfriwfrZ vHkh rd ugha gks ikbZ
gSA ;|fi nh?kZdkfyd _.k lajpuk ¼,yVhlhlh,l½ ds fy;s
izksQslj oS|ukFku dh v/;{krk esa xfBr dk;Zny&2 us] ftlesa
,vkjMh cSadksa ds iquiwZathdj.k gsrq dsUnz ,oa jkT; ljdkj }kjk
2006 esa ,dckj lgk;rk ds fy;s iqu#)kj iSdst fn;k tkuk
lfEefyr gS] dh flQkfj”k dh tks vHkh rd fdz;kfUor ugha gks ldk
gSA
iqu#)kj iSdst ds fdz;kUo;u esa vuisf{kr foyEc us vius lnL;ksa
dh _.k vko”;drkvksa dks iwjk dj ikus dh bl lajpuk dh {kerk
dks cgqr vf/kd izHkkfor fd;k gSA bu vlQyrkvksa ds ckotwn ;g
lajpuk vHkh Hkh izkalafxd gS ftls d`f’k _.k ds dqy izokg esa
fuos”k _.k ds vuqikr esa vkbZ rhoz fxjkoV dks jksdus ds fy, lqn`<+
nh?kZ dkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ esas eqn~ns ,oa
pqukSfr;ka
- 12 -
60dr¨dm{f©H [anmoQ ©2019-2020
cuk;s tkus dh vko”;drk gSA lajpuk ds iqu#)kj esa
,llh,vkjMh cSadksa vkSj ihlh,vkjMh cSadksa dk xzkeh.k {ks= esa
izfrLi/kkZRed ifjos”k esa d`f’k esa izHkkoh <ax ls i¡wth fuekZ.k ij
dsfUnzr foÙkh; lsok;sa iznku djus okys vkRe fuHkZj lnL; lapkfyr
laLFkku esa :ikUrj.k fd;k tkuk lfEefyr gSAa
olwyh dh fujUrj fcxM+rh fLFkfr;ka ,vkjMhcSadksa ds le{k nwljh
izeq[k pqukSrh gSA cqfu;knh Lrj ij dqy vkSlr _.k olwyh dqN
o’kksaZ ls 50 izfr”kr ds vkl&ikl gh cuh gqbZ gSA ;|fi Hkwfe ca/kd
fd, tkus ls _.k lqjf{kr gSa fdUrq dqN jkT;ksa esa d`f’k Hkwfe ds
fodz; ds }kjk olwyh djuk dfBu gSA lajpuk dh fuos”k _.k ds
lkFk mRiknu _.k@dk;Z”khy iwWath _.k ns ikus esa vleFkZrk ds
ifj.kkeLo:i mu _.k ykHkkfFkZ;ksa dks tks nwljh vU; laLFkkvksa ls
vYidkyhu _.k ugha ys ikrs gSa] dks iwjk ykHk ugha fey ikrk gSA
blds vfrfjDr ftu ,vkjMh cSadksa usa vYidkyhu _.k vkSj cpr
[kkrk lqfo/kk;sa izkjEHk ugha dh gSa] os vius _.k ykHkkfFkZ;ksa ls
fu;fer lEidZ cuk ikus eas vleFkZ gSa tks Åaph njksa dh _.k olwyh
ds fy, vko”;d gSA ;|fi _.k ekQh ,d ckj ds mik; ds :i esa
dh tk ldrh gS fdUrq ;gh Hkfo’; esa vkxs _.k ekQ gks tkus dh
vis{kkvksa dks Hkh c<+krh gS fdUrq blls d`f’k _.k O;oLFkk] tks
lalk/kuksa ds iqukorZu ds fcuk dk;Z ugha dj ldrh] iwjh rjg
/oLr gks ldrh gSA
- 13 -
60dr¨dm{f©H [anmoQ ©2019-2020
d`f’k ,oa xzkeh.k fodkl cSafdax ds bfrgkl esa egRoiw.kZ ?kVuk 1960
esa jk’Vªh; lgdkjh d`f’k ,oa xzkewh.k fodkl cSaDl QsMjs”ku fy-
¼,ulh,vkjMhch,Q½ dh LFkkiuk jgh gSA vius LFkkiuk dky ls gh
QsMjs”ku bl {ks= ds fodkl ds fy;s egRoiw.kZ Hkwfedk dk fuoZgu
dj jgk gSA blus ,d izHkkoh leUo; LFkkfir fd;k gS rFkk lnL;
cSad ds e/; vkilh le> dks c<k;k gS rFkk dsUnz vkSj jkT;
ljdkjksa] ukckMZ rFkk ,llh,vkjMh cSadksa dks foÙk iks’k.k djus okyh
laLFkkvksa ls fudV lEcU/k fodflr fd;s gSaA QsMjs'ku dh vU;
xfrfof/k;ksa esa & laxksf’B;ksa ,oa dk;Z”kkykvksa dk vk;kstu]
vuqla/kku v/;;u djkuk rFkk vius fu;kstu vuqla/kku ,oa
fodkl ¼ihvkjMh½ izdks’B ds ek/;e ls ;kstuk ,oa dk;Zdzeksa dk
fuekZ.k] lnL; cSadksa ds fdz;k dykiksa lEcU/kh vkadM+ksa dk ladyu
,oa izdk”ku] v/;;u nyksa dk izk;kstu] _.k i=ksa ds fuos”k esa
lgleUo; LFkkfir djuk] fo”ks’k izf”k{k.k dk;Zdzeksa dk vk;kstu]
izpkj dk;Z] lapkyu ,oa iz”kklu ls lEcfU/kr ekeyksa esa ekxZn”kZu
,oa lykg nsuk] lfEefyr gSA foxr 56 o’kksZa ls QsMjs”ku }kjk
izdkf”kr djk;s tk jgs =Sekfld yS.M cSad tjuy us fo”ks’k [;kfr
vftZr dh gSA QsMjs”ku vius lnL; cSadksa dks u;s mRiknksa ds
:ikadu ds }kjk O;olk; fodkl vkSj foLrkj esa Hkh lgk;rk iznku
djrk gSA
iquZi¡wthdj.k ,oa lq/kkj] Lo&izsfjr lq/kkjksa dh igy ds fy,
,llh,vkjMh cSadksa dk ekxZn”kZu rFkk lalk/kuks ds laxzg.k ds fy;s]
lnL; cSadksa dk ekxZn”kZu ,oa lg;ksx] olwyh ,oa vutZd
ifjlEifÙk;ksa dk izcU/ku rFkk O;olk; lao/kZu ,oa fofo/khdj.k
lfgr iqu#)kj iSdst ds fdz;kUo;u ds fy, ljdkj ls iSjoh]
QsMjs”ku dh xfrfo/k;ksa ds egRo okys {ks= o’kZ ds nkSjku Hkh cus
jgsA
dqN o’kksZa ls dsUnz ljdkj ls iqu#)kj iSdst dh fujUrj ekax djrs
jguk] QsMjs”ku dh iSjoh dk izeq[k dsUnz fcUnq cuk gqvk gSA
nh?kZdkyhu lgdkjh lk[k lajpuk ds fy, iqu#)kj iSdst fn,
tkus dh laLrqfr oS|ukFku VkLd QkslZ }kjk 2006 esa dh xbZ Fkh
rFkk Hkkjr ljdkj us 2008&09 ds dsUnzh; ctV esa blds
fdz;kUo;u dh ?kks’k.kk dh FkhA rnuUrj dsUnzh; ctV 2009 }kjk
iqu#)kj ;kstuk dk vuqeksnu Hkh dj fn;k x;k Fkk tks ml le;
gh dnkfpr 2009 ds yksdlHkk pquko dh ?kks’k.kk gks tkus ds
ifjpkfyr ugha fd;k tk ldk Fkk] dks mlds rqjUr ckn vf/klwfpr
fd;k x;k FkkA pquko ds ckn foÙk ea=ky; us _.k ekQh ;kstuk ds
fdz;kUo;u rFkk 2008 dh _.k ekQh ;kstuk ds ifjizs{; es
iqu#)kj ;kstuk dh leh{kk djus gsrq rRdkyhu vij lfpo ¼foÙk½
Jh prqosZnh dh v/;{krk esa ,d lfefr dk xBu dj fn;kA prqosZnh
desVh us nh?kZdkyhu lgdkjh lk[k lajpuk ds fy, iqu#)kj
;kstuk ds fdz;kUo;u dh laLrqfr dqN ekewyh la”kks/kuksa ds lkFk
viuh vk[;k Qjojh 2010 dks lkSaihA rFkkfi] mlds ckn ls mlds
fdz;kUo;u gsrq vHkh rd dksbZ vfxze dk;Zokgh ugha dh xbZ gSA
aQsMjs”ku le; le; ij bl ekeys dks ljdkj esa iz/kkuea=h ,oa
i{k tqVko @iSjoh djuk
,vkjMh cSadksa ds fy, iqu#)kj iSdst
i{k tqVko @iSjoh djuk
,vkjMh cSadksa ds fy, iqu#)kj iSdst
2019&20 ds nkSjku QsMjs”ku
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60dr¨dm{f©H [anmoQ ©2019-2020
foÙk ea=h lfgr vusd vf/kdkfj;ksa ds le{k Hkh mBkrk jgk gSA bl
fo’k; ij QsMjs”ku us ekuuh; lkalnksa dh ,d cSBd Hkh vk;ksftr
dhA QsMjs”ku us bl o’kZ ds dsUnzh; ctV ds volj ij d`f’k {ks= esa
i¡wth fuekZ.k dks c<+kok nsus rFkk lnL; fdlkuksa }kjk _.k ds ladV
dk lkeuk djus ds fy, nh?kZdkyhu lgdkjh lk[k lajpuk dh
laLFkkvksa ds iqu#)kj dh vko”;drk dk mYys[k djrs gq, bl
ekeys esa ,d u;k Kkiu ekuuh; iz/kkuea=h dks fn;k gSA iSdst ds
fdz;kUo;u esa foyEc us ,vkjMh cSadksa dh foÙkh; detksfj;ksa dks
vkSj vf/kd fod`r dj fn;k gS rFkk mudh yxHkx 107 yk[k d`’kd
lnL;ksa tks lkekU;r% fdlh nwljh laLFkk ls _.k izkIr dj ikus esa
vleFkZ gSa D;kasfd mudh d`f’k ;ksX; Hkwfe ,vkjMh cSadksa ds ikl igys
las gh cU/kd gS] dh _.k vko”;drkvksa dks iwjk djus dh {kerk dks
Hkkjh ek=k esa de dj fn;k gSA muds }kjk lkeuk fd, tk jgs _.k
ds ladV ds fuokj.k dk ,dek= mik; izLrkfor iqu#)kj iSdst
dk fdz;kUOk;u gSA ;fn iqu#)kj fd;k x;k rks orZeku esa izeq[k
jkT;ksa esa dk;Zjr 2600 cSad 'kk[kkvksa ds usVodZ dh orZeku _.k
forj.k {kerk tks yxHkx 5000 djksM+ gS] dks brus de le; esa Hkh
de ls+ de 5 xquk c<+k;k tk ldrk gSA
jkT; ljdkjksa vkSj ukckMZ nh?kZdkyhu lgdkjh lk[k lfefr;ksa¼,yVhlhlh,l½ dh laLFkkvksa ,oa fgr /kkjdksa ds e/; vke /kkj.kk gSfd ,vkjMh cSadksa dks] mUgsa vius lnL;ksa dh _.k dh vko”drkvksadks iwjk djus dh {kerk;qDr cukus ds fy;s lalk/ku vk/kkfjri;kZIr:i ls fu;fer cSadksa ds :i esa ifjofrZr dj fn;k tkukpkfg;s rFkk xzkeh.k lk[k lapkyu O;oLFkk esa budh izklafxdrk dksiquLFkkZfir dj fn;k tkuk pkfg;sA diwj lfefr] ftUgksus viuhfjiksVZ 1999 esa izLrqr dh Fkh] dh lcls izeq[k laLrqfr ,vkjMh cSadksadks iw.kZ:is.k cSafdax laLFkku ds :i esa ifjorZfr fd;k tkuk FkhAdiwj lfefr dh flQkfj”k ds vk/kkj ij] Hkkjrh; fjt+oZ cSad us ebZ2002 esa ,vkjMh cSadkasa ds iw.kZ:is.k cSad esa ifjofrZr fd;s tkus dsekin.M fu/kkZfjr djus gsrq ,d dk;Zny dk xBu fd;k FkkArFkkfi] dqN cSBdksa ds mijkUr] bl vkadyu ds lkFk fd mudhfoÙkh; fLFkfr rFkk dk;Z fu’iknu “kSyh dks ns[krs gq, ,vkjMh cSadksadks iw.kZ:is.k cSad esa ifjofrZr fd;s tkus dk le; ugha vk;k gS] lslEcf/kr mudh vk[;k izLrqr fd;s tkus ls igys gh dk;Zny Hkaxdj fn;k x;kA ckn esa oS|kukFku dk;Zny&AA us Hkh viuh fjiksVZesa flQkfj”k dh fd] ^^;fn fu/kkZfjr frfFk rd vFkok Hkfo’; esalajpuk dh dksbZ laLFkk cSafdax ykblsUl ikus ds fy;s fu/kkZfjr “krksZadks iwjk djrh gS] cSafdax fu;ked mls mldh ;ksX;rk ds vk/kkj ijfopkj dj ldrk gS**A ;|fi cSafdax fu;ked us ,vkjMh cSdksa }kjk
cSafdax ykblsUl izkIr djus ds fy;s vko”;d “krsZa vHkh rdfu/kkZfjr ugha dh gSaA ,vkjMh cSadks dks ykblsUl fn;s tkus esa nwljhleL;k blds vius lajpukRed Lo:i dh gSA cSafdax fu;kedvf/kfu;e ds izko/kkuksaa ds vuqlkj dsoy jkT; lgdkjh cSad vFkokizkFkfed lgdkjh cSad cSafdsx ykblsal izkIr djus ds ik= gSaA jkT;ljdkj }kjk dsoy ,d jkT; lgdkjh cSad rFkk ,d ft+yk dsUnzh;lgdkjh cSad dks dze”k% jkT; vkSj tuin dh izeq[k lgdkjhlfefr ds :i esa ifjHkkf’kr] dj vf/klwfpr fd;k x;k gSA pwafdfdlh Hkh ,llh,vkjMh cSad vFkok ihlh,vkjMh cSad dks fdlh HkhjkT; vFkok tuin gsrq izeq[k lgdkjh lfefr ds :i esa jkT;ljdkj }kjk vf/klwfpr ugha fd;k x;k gS] ;s jkT; lgdjh cSadvFkok ft+yk lgdkjh cSad dh Js.kh ds cSafdax ykblsal ds fy;s ik=ugha gSaA ;|fi cSafdax fu;ked ds fo|eku izkfo/kku ds vUrxZr],vkjMh cSadksa dks vHkh Hkh izkFkfed lgdkjh cSad ds :i esa ykblsUlfn;k tk ldrk gSA ,dkRed ,llh,vkjMh cSad fcuk fdlhlajpukRed Qsj cny ds izkFkfed lgdkjh cSad dk ykblsal izkIrdjusa ds ;ksX; gSa vkSj la?kh; ,llh,vkjMh cSdksa ds e/;] ;fncSafdax ykblsal izkIr djus ds fy;s vko”;d gqvk rks muesa,dkRed lajpuk dks vaxhdkj dj ysus ds izfr vke lgefr gSAQsMjs”ku }kjk bl eqn~ns ij fd;s x, izfrfuf/kRo ds izfrmÙkj esa]Hkkjrh; fjt+oZ cSad us vHkh gky gh esa] fcuk dksbZ fo”ks’k dkj.k crk;s;g lwfpr fd;k gS fd lq>ko ds i{k esa fopkj ugha fd;k tk ldkgSA QsMjs”ku Hkkjr ljdkj ,ao Hkkjrh; fjtoZ cSad ds le{k yxkrkjvius izLrko dk vuqlj.k dj jgk gSA
Qly _.k fdz;kUo;u ds fy, Hkkjr ljdkj dh C;kt vuqnku
;kstuk orZeku esa ,vkjMh cSadksa ls Qly _.k lqfo/kk izkIr djus
okys fdlkuksa ij ykxw ugha dh xbZ gSA QsMjs”ku mu laLFkkuksa
ftuds ek/;e ls Qlyh _.k vuqnku ;kstuk ykxw gksrh gS] dh
lwph esa ,llh,vkjMh cSadksa dks lfEefyr djkus gsrq foÙk ea=ky;
ls fujUrj bl eqn~ns ij fopkj djus ds fy;s iz;kljr gSA
,llh,vkjMh cSadks dks Qly _.k iqufoZÙk iznku djkus dk nwljk
fodYi ,l lh cSaadksa ds ek/;e ls ,llh,vkjMh cSadksa dks Lohd`r
Qly _.k dh lhek rd fof”k’V vfrfjDr vkoaVu miyC/k
djkuk gSA ukckMZ ds v/;{k us QsMjs”ku ds izfrfuf/k;ksa ds lkFk
fnukad 6 ekpZ 2019 dks lEiUu cSBd esa lwfpr fd;k fd bl
izLrko ds fdz;kUo;u ij cgqr rsth fopkj fd;k tk jgk gS] vxj
bls ykxw fd;k x;k rks ,llh,vkjMh cSad vU; cSadksa }kjk fn;s tk
jgs C;kt nj ij gh vius nh?kZdkyhu _.kh lnL;ksa dks Qly _.k
iznku djk ldsxkA
,vkjMh cSadksa dk cSadks ds :i esa iquxZBu
Qlyh _.k vuqnku ;kstuk
- 15 -
60dr¨dm{f©H [anmoQ ©2019-2020
lq/kkj dh igy
lq/kkj dh igy gsrq dksjxzqi ¼lhthvkjvkbZ½
,llh,vkjMh cSadksa }kjk xfBr lq/kkj dh igy gsrq dksjxzqi
¼lhthvkjvkbZ½ dh fu;fer cSBds vf/kdka”k cSadksa esa lEiUu gks jgh
gSaA lhthvkjvkbZ cqfu;knh Lrj ij Lo&izsfjr lq/kkjksa dks etcwr
djus ij /;ku ns jgk gSA lhthvkjvkbZ lalk/ku tqVkus rFkk u;s
mRiknksa dks ykus] egRoiw.kZ {ks=ksa dh igpku rFkk ,llh,vkjMh
cSadksa dh Js.kh lq/kkj gsrq lq/kkjkRed dk;Zokgh vusd Lrjksa ij
izkf/kdkj ,oa tokcnsgh ds lkFk lkFk ,uih, izcU/ku ,oa olwyh
dk;kZRed {ks=ksa dh lqlaxr uhfr;ksa ,oa vPNh rjg ls izysf[kr
izfdz;k fodflr djus dh n`f’V ls fu;ekoyh fuekZ.k lfgr
lalk/ku tqVkus ds u;s ekxksZa ds izHkko dh Hkh leh{kk dj jgk gSA
2018&19 ds nkSjku lhthvkjvkbZ cSaBdksa dk dsUnz fcUnq
,llh,vkjMh cSadksa }kjk lalk/ku o`f) ij tksj nsus] O;kikj foLrkj]
,uih, izcU/ku rFkk dEI;wVªhdj.k ds lkFk fo”ks’k iqu#)kj dh
;kstukvksa dh rS;kjh vkSj mudk fdz;kUo;u FkkA 2019&2020 ds
nkSjku izcU/k funs”kd us ,llh,vkjMh cSad xqtjkr vkSj jktLFkku
}kjk vk;ksaftr lhthvkjvkbZ dh nks cSBdksa esa Hkkx fy;k rFkk
mudk ekxZn”kZu fd;kA
2012 rFkk 2014 esa QsMjs”ku }kjk vk;ksftr djk, x;s lgdkfjrk
ds izeq[k lfpoksa vkSj fucU/kd lgdkjh lfefr;ksa ds nks lEesyuksa esa
,vkjMh cSadksa dh fof/kd ,oa uhfrxr okrkoj.k dks lq/kkjus rFkk
viuh lkekU; dk;Ziz.kkyh esa lq/kkj ykus ds fy, vusd egRoiw.kZ
laLrqfr;ka dh xbZaA ljdkj dh xkj.Vh fn;s tkus esa ,llh,vkjMh
cSadksa dks izkFkfedrk ds lkFk lkFk izfdz;k dks ljyhd`r fd;k
tkuk] blds vykok xkj.Vh “kqYd esa NwV vFkok NwV fn;s tkus dh
lEHkkouk u gksus ij bl “kqYd dks U;wure j[kuk] ukckMZ }kjk iznÙk
iquZfoÙk dh deh dks iwjk djus gsrq Hkkjr ljdkj ds lkFk leku
;ksxnku ds fy, i;kZIr ctV vkoaVu djkuk] LVkEi M~;wVh rFkk
iathdj.k “kqYd ekQ djkuk&tks vHkh dqN jkT;ksa }kjk fd;k tkuk
gS] _.k izys[k iz.kkyh dh “kq#vkr ftls cSad }kjk fu’ikfnr djus
rFkk mUgsa lh/ks gh fcuk d`’kd dks “kkfey fd;s cSad }kjk gh lc
jftLVªkj dks Hkstuk & bls vHkh dqN jkT;ksa }kjk 'kq: fd;k tkuk
gS] gBh cdk;snkjksa ds ifjizs{; esa olwyh fof/kd mik;ksa esa izfrjks/kksa
dks nwj djuk] cSad vf/kdkfj;ksa esa Hkwfe fodz; ds vf/kdkj dh
“kfDr;ka fufgr djuk ftldk fdz;kUo;u vHkh dqN jkT;ksa }kjk
vHkh rd ugha fd;k x;k gS] dqN jkT;ksa }kjk tgka vHkh ;g ykxw
ugha fd;k x;k gS] ,vkjMh cSadksa dks fu{ksi tek Lohdkj djus dh
vuqefr fnyk;k tkuk ,vkjMh cSad@jkT; lgdkjh lfefr
vf/kfu;e esa la”kks/ku djrs gq, ,vkjMhcSadksa dks vYidkyhu _.k
vko”;drkvksa dks iwjk djus ds fy;s l{ke cukuk] vuqeksfnr LVkQ
iSVuZ ij dfeZ;ksa dh HkrhZ ds fy, ljdkj ds i`Fkd vuqeksnu fn,
tkus dh izFkk dks lekIr djkuk vkfn jkT; ljdkj ls lEcfU/kr
dqN egRoiw.kZ laLrfrq;ka mijksDr lEesyu esa dh xbZA QsMjs”ku
jkT; ljdkjksa ds lkFk fujUrj bu laLrqfr;ksa dk vuqorZu dj jgk
gSA
vuqiwjd fuos”k _.k ds fy;s vkSj vfrfjDr foÙkh; lg;ksx dk
vHkko d`f’k ,oa xzkeh.k fosdkl cSadksa dh dk;Ziz.kkyh dh cgqr cM+k
nks’k gSA d`f’k ,oa xzkeh.k fodkl cSad lk/kkj.kr;k vius lnL;ksa dks
dsoy nh?kZdkyhu _.k iznku djkrs gSa rFkk mUgsa vYidkyhu
vko”;drkvksa ds izfr vyH; j[k dj mUgsa Åaph C;kt njksa ij
_.k ds vukSipkfjd L=ksarksa ij fuHkZj cuk jgus nsrs gSaA
vYidkyhu _.kksa dh vi;kZIr miyC/krk ls d`f’k ,oa xzkeh.k
fodkl cSadksa }kjk foÙkiksf’kr nh?kZdkyhu ifjlEifÙk;ksa dk
mi&b’Vre mi;ksx gksrk gS ftlls _.kh lnL; dh vk; rFkk
iquZHkqxrku {kerk izHkkfor gksrh gSA blds vfrfjDr] vukSipkfjd
_.k dh Åaph ykxr lnL; }kjk cSad ls fy;s x;s _.k ds
iquZHkqxrku djus dh {kerk dks de dj nsrk gSaA le; ls _.k ds
Hkqxrku fy;s _.kh lnL; dk cSad ds lkFk yxkrkj lEidZ cuk;s
j[kuk cgqr vko”;d gSa] tks fuos”k _.k fuxZeu ds mijkUr vkxs
_.k dk lg;ksx u fey ikus ds dkj.k Hkh lEHko ugha gks ikrk gSA
vuqiwjd _.k dh lhek fu/kkZfjr djuk ftlls nh?kZdkyhu _.kh
lnL; dkss pdzh; uxn _.k dh rjg lapkfyr fd;k tk ldrk gS]
vYidkfyd vko”;drkvksa dks iwjk djus ds lkFk _.kh lnL;ksa ls
c<+s lEidZ ds dkj.k olwyh esa lq/kkj rFkk _.kh lnL; dh _.k ds
fy;s vukSipkfjd L=ksrksa ij fuHkZjrk esa deh nksuksa mn~ns”;ksa dh
iwfrZ gksxhA ;kstuk ds eq[; igyw fuEuor gSa %&
lcls igys] ,llh,vkjMh cSadksa dks foÙkiks’k.k ds fy, /ku
dh vko”;drk dk vkadyu djuk pkfg;s rFkk ¼lkof/k½ tek
,ulhMhlh ls _.k] vYidkyhu lk[k lajpuk] okf.kfT;d
cSadks vkfn ls visf{kr /ku ds laxzg.k dh O;oLFkk djuk
pkfg;sA
,llh,vkjMh cSadksa dks uhfrxr lacy c<+kus ds fy, jkT; ljdkjksa
ds lkFk vuqorZu
nh?kZdkfyd _.kh lnL;ksa dh vYidkfyd _.k vko”;drkvksa ds
fy;s _.k lhek
�
,llh,vkjMh cSadksa dks uhfrxr lacy c<+kus ds fy, jkT; ljdkjksa
ds lkFk vuqorZu
nh?kZdkfyd _.kh lnL;ksa dh vYidkfyd _.k vko”;drkvksa ds
fy;s _.k lhek
- 16 -
60dr¨dm{f©H [anmoQ ©2019-2020
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/ku dh miyC/krk ij fuHkZj jgrs gq, _.k lhek dk fu/kkZj.k
lnL; dks Lohd`r fuos”k _.k dh fu/kkZfjr izfr”krrk ds
vuqlkj fd;k tk ldrk gSaA
u, nh?kZdkyhu _.kksa ds lEcU/k esa] _.k lhek ,d vfuok;ZvfrfjDr ?kVd gksuk pkfg,A fo|eku _.kksa ds ekeyksa esa;fn _.k dk cdk;k@vfr ns; ugha gSa rks _.k lhek Lohd`rdh tkuh pkfg,A
_.k lhek dh ek=k dk fu/kkZj.k vko”;drk] iquHkZqxrku{kerk] lqj{kk rFkk /ku dh miyC/krk ds vk/kkj gksuk pkfg,ftls fu/kkZfjr mn~ns”; ds fy;s mi;ksx fd;k tk ldrk gSA
_.k lhek nh?kZ dkyhu _.k ij nh tk jgh lqj{kk dsvfof”k’V cktkj ewY; ds vk/kkj Lohd`fr dh tk ldrh gSA
_.k lhek dk lapkyu frekgh C;kt ds Hkqxrku rFkk vnÙkewy/ku ds iquZHkqxrku dh le; lhek lekfIr ij _.khlnL; }kjk pdzh; uxn _.k dh Hkkafr lapkfyr fd;kldrk gSA
_.k lhek] tks ,d o’kZ ds fy;s Lohd`r dh tk;] mls vU;_.kksa ds le; ij Hkqxrku fd, tkus ds lkFk fu/kkZfjr fu;evkSj “krksZa dks iwjk djus dh n”kk easa gh mls vkxkeh o’kksZa dsfy;sa uohuhd`r fd;k tk;A
_.k lhek ij C;kt =Sekfld vk/kkj ij okLrfod vkgj.kds vk/kkj ij izHkkfjr fd;k tk;A
,llh,vkjMh cSadks rFkk ihlh,vkjMh cSadkas nksukas ds fy;s]_.k lhek ls vkgj.k ij C;ktnj dk fu/kkZj.k] ysu&nsudk;Z vkSj tksf[ke ykxr dks iwjk djus ds fy;s dks’kksa dhykxr esa mfpr ekftZu dks tksM+ dj fu/kkZfjr dh tk;A
QsMjs”ku ds izcU/ku e.My }kjk vHkh gky gh esa lnL; cSadksa dsfy;s fu/kkZfjr vkn”kZ olwyh uhfr fu/kkZfjr dh xbZ] tks _.k ,oaolwyh iz.kkyh esa egRoiw.kZ ifjorZu fd;s x;s gSA cSadksa }kjk _.kolwyh dks] ,d vafre dne ds :i esa ugha ojuk _.k pdz ds ,dvko”;d vax ds :i esa ns[kus dh vko”;drk gS ftlls _.kvf/kdkjh _.k dh iwjh vof/k ds nkSjku ml _.k dh olwyh ds fy;smÙkjnk;h cuk jgsA _.k [kkrksa esa leL;kvksa dh lkef;d Nkuchudjrs jgus ls _.k vnk;xh esa cdk;s ls cgqr gn rd cpk tkldrk gSA d`f’k ds vkof/kd _.kksa esa viukbZ tk jgh ns; frfFk dhfrekgh@Nekgh@okf’kZd fdLr iz.kkyh ls “kq#vkrh igpkueqf”dy gks tkrh gS D;kasfd tc _.k dh /kujkfZ”k dk leL;kxzLrgksuk irk py ikrk gS rc rd ,d ;k vf/kd fdLrsa cdk;k gks
tkrh gSa] _.kh lnL; dh lkekU; fLFkfr esa Hkqxrku dj ikus dh{kerk ls ijs cdk;k /kujkf”k c<+ tkrh gSA d`f’k vusd fof”k’Vtksf[keksa] tSls tyok;q&tksf[ke] dher&tksf[ke] dhVksa ,oachekfj;ksa dh tksf[ke ls xzLr gS]A iz/kkuea=h Qly chek ;kstuk dsek/;e ls Qly chek esa lq/kkjksa ds ckotwn foxr nks o’kksaZ esa Qlychek dk vko`Ùk {ks= fdlkuksa dk 40&45 izfr”kr rd gh lhferjgkA blh rjg ,slh /kkj.kk Hkh c<+ jgh gS fd dsUnz vkSj jkT;ljdkjksa dh vuqnku dh cgqr cM+h /kujkf”k Qly chek ;kstuk dsvUrxZr Qly chek esa tk jgh tksa dsoy chek dEifu;ksa dks ykHkigqWapkrh gSa tc fd Qly chek ;kstuk ds varxZr okf’kZd {kfrifrZds Hkqxrku ds :i esa] oks Hkh _.k forj.k esa dkQh foyEc ds ckndsoy ldy izhfe;e dk 60&65 izfr”kr gh tek fd;k tk ldkgS]A fiNys nks o’kksZa esa iz/kkuea=h Qly chek ;kstuk ¼ih,e,Qokb½ds varxZr ldy izhfe;e dh dqy /kujkf”k #- 470408 djksM+ dslkis{k dqy vnk;xh ek= #- 31613 djksM+ dh gqbZA ;g Hkh ik;kx;k fd bl o’kZ Qly chek ukekadu 15 izfr”kr uhps vk x;k gS]ftlds fy;s cgqr gn rd nkoksa dh laLrqfr rFkk mudas {kfriwfrZikus ds fy;s fd;s x;s ekeyksa dks mRrjnk;h ekuk x;k gSA Qlydh gkfu ds vfrfjDr fdlkuksa dh ifjlEifÙk;ksa dks ekSle dhdBksj vkinkvksa] tks vc cgqr vke gks xbZ gSa] esa izk;% d`f’k lEifÙkds fouk”k o rckgh ds dkj.k dkQh {kfr mBkuh iM+rh gSaA bldslkFk gh lkekU;r;k chek djkus njksa dss dkj.k fdlku d`f’kifjlEifÙk;ksa dk chek djus ls drjkrs gSaA bl leL;k ds funku dsfy;s Qly chek ;kstuk dh gh Hkkafr ljdkj ds vkfFkZd lg;ksxds lkFk d`f’k lEifRRk chek ;kstuk ykxw fd, tkus dh vko”;drkgSA oLrqr% Qly chek ;kstuk ds varxZr l`ftr fd;s x;s cM+svf/k”ks’k ds fgLls dks orZeku esa] bl izdkj dh ;kstukvksa dsfdz;kUo;u ds fy;s iz;qDr fd;k tk ldrk gSA orZeku esa d`f’kifjlEifÙk;ka dqy feykdj chek jfgr gSaA fdlkuksa dh {kfriwfrZfoghu gkfu;kas ds dkj.k cSadks dh] tks bu ifjlEifÙk;ksas ds vk/kkjij foÙk iznku djkrs gSa]muds tksf[ke esa mYys[kuh; o`f) gks tkrhgSA vkn”kZ olwyh uhfr dk lq>ko gS fd cSad dks vius xzkgdksa dksbu tksf[keksa ds izfr tkx#d cukus dk iz;kl djuk pkfg, vkSj_.k dh :i js[kk cukrs le; bu rF;ksa ij /;ku nsuk pkfg;sAvkaf”kd vFkok iw.kZ:is.k [kjkc Qly o’kZ esa] bl izdkj dhgkfu;kas dh lhek vkSj mldk xzkgd dh lEiw.kZ _.k Hkqxrku {kerkij izHkko ij vk/kkfjr d`f’k ds lkof/k _.kksa ds fy, fdLrksa dksiqufuZ/kkfjr djus gsrq izko/kku fd;k tkuk cgqr vko”;d gSAxzkeh.k xzkgdksa esa foÙkh; lk{kjrk dak vHkko gksuk le; ls fdLrksa dsHkqxrku esa vkus okyh nwljh izeq[k ck/kk gSA ,slk ns[kk x;k gS fd tksxzkgd viuh vk; vkSj O;; dk ys[kk&tks[kk ugha j[krs] bPNk vkSj
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- 17 -
60dr¨dm{f©H [anmoQ ©2019-2020
lkeF;Z gksus ds ckotwn le; ls vkenuh ds izokg ds [kjkc izcU/kuds dkj.k le; ls _.k vnk;xh dj ikus esa vlQy jgrs gSA,vkjMh cSadksa dks ,sls xzkgdksa dh cpr vkSj cpr [kkrksa dh lqfo/kkiznku djkrs gq;s mudh fu;fer cpr dks lafpr djkus esa lgk;rkdjuh pkfg,A os xzkgd tks fuos”k _.k dh lqfo/kk izkIr dj jgsa gSa]ds _.kksa dh Lohd`fr] dk;Z”khy i¡wth@mRiknu _.kvko”;drkvksa ds foÙkiks’k.k ds fy;s i;kZIr O;oLFkk] xzkgdksa }kjkfy;s x;s _.k ds mi;ksx dh xfrfof/k;ksa dk fu;fer fujh{k.k]le; ls Hkqxrku djus ij izksRlkgu Hkqxrku ;kstuk dk “kqHkkjEHkfd;s tkus dh O;oLFkk] _.k vf/kdkjh dks mlds _.k olwyh dk;Zfu’iknu ij [email protected] O;oLFkk] fu;fer vkSj fujUrjvuqorhZ lqfo/kk ds fy;s fo”ks’k:i ls NksVs _.kksa dh Lohd`fr dsfy;s la?k vk/kkfjr lewg vo/kkj.kk] _.kh lnL; dh _.k izfdz;kdks iwjk djkus esa fujFkZd O;;ksa dks cpkuk] ns; frfFk ls iwoZ vnk;xhij izksRlkgu ds ckjs esa lwfpr djuk] vkSj ns; frfFk ds ckn olwyhds fy;s ,d fu/kkZfjr ekud izfdz;k ds ikyu fd;s tkus ds ckjs esavkxkg djuk] vkn”kZ olwyh uhfr ds vU; izeq[k ckrsa gSaA vkn”kZolwyh uhfr fof/kd olwyh izfdz;k dks olwyh y{;ksa dks izkIr djusds lk/ku dh vis{kk ,d fuokjd ds :i esa vf/kd ekurh gSA defdLrksa esa vfrfjDr vof/k ds fy;s iqufuZ/kkj.k vkSj iquxZBu rFkkvf/kHkkj ds ,d va”k dks ekQ djrs le; vfrns; [kkrksa dksfu;fer djus ds fy;s vuq”kkflr fd;k x;k gS] tc cdk;k iM+usds dkj.k izkekf.kd gSa] mu ekeyksa esa tc xzkgd Hkqxrku djus dhlkeF;Z j[krs gq, Hkh _.k vnk;xh ls cprk gS] bl fLFkfr esafof/kd olwyh izfdz;k gh ,dek= fodYi gSA ;g Hkh ns[kk x;k gSfd _.k olwyh ds fy;s fof/kd izfdz;k dks izHkkoh <ax ls iwjk djysus ij dqN ekeyksa esa nqjkxzgiw.kZ cdk;s dh ?kVukvksaa esa deh ykbZtk ldrh gSA ca/kdxzLr lEifÙk ds fodz; gsrq uhykeh dk jkT;O;kih izpkj djkuk] uhykeh esa vU; tuinksa ds lEHkkfordz;dÙkkZvksa dh Hkkxhnkjh dks lqfuf”pr djuk] tgka vko”;drk gks]lEHkkfor dszrkvksa ds _.kksa dh Lohd`fr djuk] deZpkfj;ksa vkfn dhdeh gksus dh fLFkfr esa fodz; izfdz;k dks iwjk djus ds fy;s ckº;fof/kd L=ksrksa dh enn ysuk vkfn dqN lq>ko gSa tks olwyh esafof/kd izfdzz;k ds fd;kUo;u dks vkSj vf/kd izHkkoh cuk ldrs gSaA
,vkjMh cSad uhps nh xbZ nks ;kstukvksa ds vUrxZr tek laxzg.k dj
jgs gSa %&
1½ ukckMZ vkSj Hkkjrh; fjt+oZ cSad ds 1997 esa fuxZr fuEukfadr
fLFkfr;ks ds v/khu] fn”kk funsZ”kksa ij vk/kkfjr tu lkekU;
rFkk laLFkkvksa dh vkof/kd tekA
vkof/kd tek ,d o’kZ ls vf/kd dk gksuk pkfg,A
vnÙk tek fdlh Hkh le; dqy dk;Z{kerk ds fuoy
ewY; ls vf/kd ugha gksuk pkfg,A
2½ cksMZ ds vuqeksnu ij vk/kkfjr fcuk vkof/kd izfrcU/k vFkok
lhek ds lnL;ksa dh cpr tek o tek Lohdk;ZrkA
lnL;ksa dh vYivof/k tek dh Lohdk;Zrk ij ukckMZ ds }kjk
yxk;s x;s vuqfpr izfrcU/kksa ds dkj.k ,vkjMh cSadksa dks tek
laxzg.k esa fiNys nks o’kZ vuko”;d vojks/k >syuk iM+kA ukckMZ us
vfu;af=r tek ;kstuk 2019 ij izfrcU/k ¼ch;wMh,l,½ ds
vf/kfu;eu ds ckn ;g izfrcU/k gVk fy;kA vfu;af=r tek
;kstuk vf/kfu;e 2019 ds vf/kfu;eu ds lkFk ,vkjMh cSadksa dh
tek ;kstuk ds fofu;eu dk vf/kdkj iw.kZ:i ls lEcf/kr jkT; dh
ljdkj esa fufgr gks x;k gSA vfu;af=r tek ;kstuk vf/kfu;e
2019 ds izko/kkuksa ds vUrxZr] ,vkjMhcSad vius ernku djus okys
lnL;ksa ds lkFk jkT; ljdkj }kjk vuqeksfnr vU; nwljs yksxksa dh
tek dk Hkh laxzg.k dj ldrs gSaA
,vkjMh cSadks }kjk fuos”k _.k ds va”k dks c<+kus ds fy;s Jh okbZ lh
uUnk] HkwriwoZ v/;{k ukckMZ dh v/;{krk esa xfBr dk;Zny dh
laLrqfr;ksa rFkk rnqijkUr 6 ekpZ 2019 dks ukckMZ ds v/;{k ds lkFk
fopkj foe”kZ ds vk/kkj ij] ukckMZ us ,llh,vkjMh cSadksa dks fn;s
tkus okys ,yVhvkjlh,Q iqufoZÙk ds iquZHkqxrku dh vof/k pkyw
foÙk o’kZ ls 9 o’kZ rd ds fy;s c<k;s tkus dks fu”p; fd;k gSA ;s
cSadks dks vYidkyhu vkof/kd iqufoZÙk dks nh?kZdkfyd _.kksa ds
fy;s fuxZfer djus ds dkj.k vfLr;ksa ,oa ns;rkvksa ds vlarqyu ls
cpkus esa lgk;d gksxkA
;|fi iquxfBr iqufoZÙk mRikn ij fj;k;rh C;kt tks
,yVhvkjlh,Q ij ykxw gS] dsoy izFke ikap o’kksZa ds fy;s gh
miyC/k gksxkA ikap o’kZ ds ckn ds vf/k”ks’k cdk;s ij ukckMZ
lkekU; iquZfoZÙk ij izpfyr ns; C;kt NBosa o’kZ ds izkjEHk ls ekax
djsxk tks iquHkqZxrku ds iw.k gksu rd tkjh jgsxkA QsMjs”ku us
vius ifji=kad% 11 ¼fjQkbusUl½ 2019&20@149 fnukad 28 twu
2019 ds }kjk ,llh,vkjMh cSadks dks d`f’k {ks= ds lHkh _.k
vH;fFkZ;ksa dks ,yVhvkjlh,Q dh vis{kkd`r U;wu C;kt njksa ds
ykHk dh miyC/krk cuk;s j[kus ds fy;s d`f’k {ks= esa _.k forj.k ds
fy;s mi;ksx fd;s tk jgs dks’k dh vkSlr ykxr C;kt nj dks
,vkjMh cSadksa }kjk tek laxzg.k&
tek laxzg.k dh ;kstuk
,yVhvkjlh,Q rFkk lkekU; iqufoZÙk lfgr iquxZfBr iqufoZÙk
mRikn
(i)
(iI)
,vkjMh cSadksa }kjk tek laxzg.k&
tek laxzg.k dh ;kstuk
,yVhvkjlh,Q rFkk lkekU; iqufoZÙk lfgr iquxZfBr iqufoZÙk
mRikn
- 18 -
60dr¨dm{f©H [anmoQ ©2019-2020
fu/kkZfjr djus dh lykg nh gSa D;ksafd ,yVhvkjlh,Q ds /ku ds
lg;ksx dh iqf’V fof”k’V _.k ds lkis{k] _.k ds C;kt nj dc
fu/kkZfjr gksxh] mldh Lohd`fr vFkok Hkqxrku ds le; ugha dh tk
ldrhA ;|fi ukckMZ ,yVhvkjlh,Q iqufoZÙk 9 o’kksZ rd ds fy;s
fn;s tkus dh vuqefr iznku djrk gS fQj Hkh cSadksa o _.kh lnL;ks
ds fy;s 5 o’kksZsa ds fy;s _.k fuxZeu ykHkdkjh gksxk rFkk ewy:i
ls mPprj C;kt nj dks /;ku esa j[krs gq;s tgka rd lEHko gks 5 o’kZ
ds ,yVhvkjlh,Q iqufoZÙk dk ykHk mBkuk tkjh j[ksaa D;ksafd ;g
iqufoZÙk izkjEHk ds ikap o’kksZ ds ckn udkjkRed :i ls iquHkZqxrku@
_.k vnk;xh dks izHkkfor djsxkA
jk’Vªh; lgdkjh d`f’k ,oa xzkeh.k fodkl cSaDl QsMjs”ku us 21uoEcj 2019 dks ubZ fnYyh esa ,vkjMh cSadksa dh jk’Vªh; laxks’Bh dkvk;kstu fd;kaA lgHkkfx;ksa esa jkT; lgdkjh d`f’k ,oa xzkeh.kfodkl cSadksa ds lkFk jkT; lgdkjh cSdksa ds QsMjs”ku ds lnL;]vusd jkT;ksa ds 114 ihlh,vkjMh cSad rFkk ukckMZ] ,ulh;wvkbZ],ulhMhlh] us”kuy bUQkesZ”ku ls.Vj rFkk vusd jk’Vªh; QsMjs”kuksads izfrfuf/k FksA ^^d`f’k ,oa xzkeh.k _.k O;oLFkk esa ,vkjMh cSadksa dhHkwfedk dks c<+kus gsrq vkUrfjd lq/kkjksa dk l?kuhdj.k** laxks’Bh dkewy fo’k; FkkA mn?kkVu l= ds ckn laxks’Bh ds ewy fo’k; vkSjrhu O;olkf;d l=ksa esa mifo’k;ksa dk izLrqrhdj.k fd;k x;kaAlaxks’Bh dk mn?kkVu ekuuh; d`f’k jkT; ea=h d`f’k ,oa d`’kddY;k.k Jh iqj’kksÙke :ikyk }kjk fd;k x;kA vk;kstu dhv/;{krk MkDVj pUnziky flag lkaln] v/;{k ,ulh;wvkbZ us dhA,ulh,vkjMhch,Q ds v/;{k Jh ds f”konklu uk;j us laxks’Bh esavk;s vfrfFk;ksa ,oa izfrfuf/k;ksaa Lokxr fd;kA laxks’Bh dsO;kolkf;d l= esa ewy fo’k; d`f’k ,oa xzkeh.k lk[k esa ,vkjMhcSadksa dh Hkwfedk dks c<+kus gsrq vkUrfjd lq/kkjksa dk l?kuhdj.k ijfopkj xks’Bh] ,yVhlhlh,l ds Hkfo’; ds ckjs esa ukckMZ dkn`f’Vdkas.k] ,yVhlhlh,l esa ekuo lalk/ku ifjn`”;] d`’kdmRiknd laxBu] ,yVhlhlh,l ds lanHkZ esa nj&fu/kkZj.k rFkktksf[ke izcU/ku] d`f’k lrr fodkl ,oa d`f’k lgdkfjrk,a] ,vkjMhcSadksa es dEI;wVªhdj.k lfEefyr FksA Jh okbZ lh uUnk] HkwriwoZ v/;{kukckMZ] Jherh lfjrk vjksjk eq[; egk izcU/kd ukckMZ] MkDVj ,-oh- Hkokuh”kadj] mi egkizcU/kd ukckMZ] Jh Mh-ds- Msdkrs] lgk;degkizcU/kd] ,Q,lMhMh & ukckMZ] Jh ih-oh- izHkw] HkwriwoZ eq[;dk;Zdkjh vf/kdkjh ,ulh,vkjMhch,Q ,oa VªLVh lfpo,uvkbZvkjch] Jh lR; ukjk;.k eq[; dk;Zdkjh vf/kdkjh,ulh;wvkbZ] izksQslj vkyksd feJk] eSustes.V Msoyies.VbaLVhV~;wV] xq#xzke] Jh Mh- ,u- Bkdqj] HkwriwoZ mi izcU/k funs”kd]
,ulhMhlh] Jh oSHko vxzoky] mi funs”kd] us”kuy bUQkesZs”kuls.Vj us laxks’Bh l= esa esa vius fopkj izLrqr fd;sA
oS|ukFku VkLd QkslZ&AA }kjk fn;s x;s lq>koksa lajpukRed
lq/kkjksa ds fdz;kUo;u esa dsUnz vkSj jkT; ljdkj dk leFkZu
,oa lg;ksx vko”;d gSA
Hkkjr ljdkj dks vfoyEc ,vkjMh cSadksa ds iquZi¡wthdj.k ij
fopkj djuk pkfg;s D;ksafd dsoy ;gh d`f’k esa i¡wth fuekZ.k esa
lgk;rk iznku djkus okys mfpr ek/;e gSa ftUgsa iqufuZek.k
izfdz;k esa cfg’d`r j[kk x;k gSA
Qlyh _.k C;kt jktdh; vuqnku ;kstuk dks ,vkjMh cSadksa
ds _.kh d`’kdksa dks oguh; ykxr ij Qlyh _.k fnykus
gsrq foLrkfjr fd;k tk;A
Hkkjrh; fjt+oZ cSad@Hkkjr ljdkj dks ik= ,llh,vkjMh
cSadksa dks cSad ds :i esa vf/kekU; dj ykblsUl nsus gsrq
ekun.M fu/kkZfjr djus dh vko”;drk gSA
jkT; ljdkj ls fgr/kkjd ds lkFk feydj ,d jkT; Lrjh;
lfefr xfBr djus gsrq vkxzg fd;k tk ldrk gS] ukckMZ
,vkjMhcSadks dh dk;Z iz.kkyh dk v/;;u djsa rFkk mUgsa
lqn`<+ cukusa ds mik; crk;sA
vfu;af=r tek ;kstuk ij izfrcU/k ¼ch;wMh,l,½ ds
vf/kfu;e 2019 ykxw gks tkus ds ifj.kkeLo:i vYidkyhu
L=ksrksa ds foLrkj gsrq jkT; ljdkjksa dks tek ;kstukvksa
izkRlkgu esa lg;ksx djuk pkfg,A
ukckMZ fdQk;rh C;kt nj ij Qlyh _.k fn;s tkus ds fy;s
iqufoZÙk lg;ksx nsus ij fopkj djsA dks’k dh vkSlr ykxr esa
deh djus gsrq ,yVhvkjlh,Q ls lg;ksx c<+kA ;fn ljdkj
dh xkj.Vh ds }kjk tksf[ke izfrjf{kr gS rks iqufoZÙk dh
tksf[ke ykxr dks lekIr djukA
,vkjMh cSadksa dh jk’Vªh; laxks’Bh 2019
laxks’Bh dh izeq[k laLrqfr;ka@dk;ZfcUnq uhps lwphc) gSaA
¼dk;Z visf{kr&jkT; ljdkj@
Hkkjr ljdkj½
¼dk;Z visf{kr&Hkkjr
ljdkj½
¼dk;Z visf{kr& Hkkjr ljdkj½
¼dk;Z visf{kr&
Hkkjr ljdkj@Hkkjrh; fjt+oZ cSad½
¼dk;Z visf{kr& jkT; ljdkj½
¼dk;Z visf{kr&jkT;
ljdkj½
¼dk;Zokgh visf{kr &
ukckMZ½
jkT; ljdkj@Hkkjr ljdkj@ fjtoZ cSad vkWQ bf.M;k
ukckMZ
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laxks’Bh dh izeq[k laLrqfr;ka@dk;ZfcUnq uhps lwphc) gSaA
¼dk;Z visf{kr&jkT; ljdkj@
Hkkjr ljdkj½
¼dk;Z visf{kr&Hkkjr
ljdkj½
¼dk;Z visf{kr& Hkkjr ljdkj½
¼dk;Z visf{kr&
Hkkjr ljdkj@Hkkjrh; fjt+oZ cSad½
¼dk;Z visf{kr& jkT; ljdkj½
¼dk;Z visf{kr&jkT;
ljdkj½
¼dk;Zokgh visf{kr &
ukckMZ½
- 19 -
60dr¨dm{f©H [anmoQ ©2019-2020
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^mi;qDr ,oa mfpr* ekin.M ,oa izcU/ku ls lapkyu esa
xq.kkRed ifjorZu rFkk lfdz; lnL;ksa dh Hkkxhnkjh
lqfuf”pr djukA
QsMjs”ku }kjk vkjEHk fd;s x;s Rofjr _.k olwyh vfHk;ku
jkT; ljdkj ds lg;ksx ds lkFk] u;s mRlkg ds lkFk tkjh
j[kus dh vko”;drk gSA
QsMjs”ku dks ,yVhlhlh,l dh dk;Ziz.kkyh ds vusd
igyqvksa ds v/;;u djus rFkk fofo/k fgr/kkjdksa ds fHkUu
fHkUu {ks=ksa dh foLr`r :Ik js[kk ij vfxze dk;Zokgh djus ds
fy;s muds iquZ#)kj ds mipkjkRed funku ikus ds fy;s
mPpLrjh; xfBr djus dh vko”;drk gSA Hkkjr ljdkj]
bl v/;;u ij vk/kkfjr lajpuk ds rdZlaxr ekaxksa ij
vuqdwy:i ls fopkj djsxhA
,vkjMh cSadksa dks fuos”k _.k dks vkxs c<+kus gsrq fuEukfdr
mik; djus gksxs %&
xzkgd lsok dsUnz rFkk uohu “kSyh dh NksVh “kk[kk,a [kksyuk
rFkk lEHkkouk okys {ks=kksa esa O;kolkf;d laoknnkrk fu;qDr
dj vko`Ùk {ks= vkSj igqap dks c<+kukA
d`f’k ewY; J`a[kyk foÙk iks’k.k esa fofo/krk ykuk ij /;ku nsuk
tksf[ke ewY;kadu rFkk ukckMZ ds iqufoZÙk ds fy;s ik=rk dks
izHkkfor djus okys izkFkfedrk;qDr lEosnu”khy ekeyksa ij
/;ku nsukA
fuEu ds }kjk _.k forj.k ds lalk/kuksa dks c<+kuk %&
_.k forj.k ds voljksa dk foLrkj djuk rFkk mPprj _.k
forj.k {kerk ds fy;s i¡wth vk/kkj dks lqn`<+ djukA
jkT; ljdkj ds vuqeksnu ds lfgr Tkek ;kstukvksa dks
izkjEHk djuk rFkk tek vf/k”ks’k esa fujUrj laxzg.k o`f)
djukA
mRiknu@dk;Z”khyi¡wth@lnL;ksa dh vkdfLed _.k
vko”;drkvksa dks iwjk djus ds fy, vYidkyhu _.k
mRiknksa dks izkjEHk djukA
izkS|ksfxdh dks viukus esa rsth ykuk rFkk izfdz;k dks iwjk
djus ds fy;s le; c)rk dk fu/kkZj.k djuk A
ihlh,vkjMh cSadksa dks cgq&lsok dsUnzksa ds :i esa l{ke cukus
gsrq dne mBkukA
mudh vk; esa o`f) ds fy;s futh igyksa ds lkFk lkFk lnL;ksa
ds mRikn dk izR;{kr% Hk.Mkj.k] izlaLdj.k rFkk foi.ku dk
nkf;Ro ogu djus ds lkFk _.k lgk;rk iznku dj ,Qihvksa
izksRlkfgr djukA
vU; vkj,QvkbZ ls izfrLi/kkZ dk lkeuk djus ds fy;s _.k
vkiwfrZ izfdz;k dks ljy cukukA
foÙkh; :i ls lqn~`<+ ,llh,vkjMh cSad dks okf.kfT;d cSadks
ls vuqdwy “krksZa ij _.k izkIr djus ds fy;s ekU;rk izkIr
ewY;kadu vfHkdj.kksa ls dk ewY;kadu djk;k tk;A
_.k cdk;k vkSj ,uih, dks larks’ktud lhek eas de djus
ds fy;s QsMjs”ku ds fn”kk funsZ”k ij vk/kkfjr Rofjr olwyh
vfHk;ku cSad u;s tks”k ds lkFk tkjh j[ksaA
cSad _.k forj.k ,oa olwyh iz.kkyh esa fd;s x, lq/kkjksa dk
leqfpr izys[khdj.k rFkk mUgsa vius mifu;eksaa ,oa fu;eksa esa
lekfo’V dj laLFkkxr djsaA
visf{kr i¡wth Ik;kZIr vuqikr ¼lhvkj,vkj½ izkIr djus ds
fy;s _.k izkIr u djus okys lnL;ksa dh U;wure va”k /kkj.k
/kujkf”k dks #- 500@& rd c<+k dj rFkk tks Js.kh&AA i¡wth
rFkk ,uih, ds lkis{k izko/kkuksa lajf{kr i¡wth dks’k dks [kksyus
ds fy;s ik= gSa] ds nh?kZdkfyd vkof/kd tek dks Lohdkj
dj i¡wth vk/kkj dks c<+kukA
lHkh ,llh,vkjMh cSadksa }kjk lh&ihbZlh }kjk ewY;kadu ds
fy;s tkjh fn”kk funsZ”kksa ds vuq:i ts,yVhlh dk iqauZ#)kj
@iquthZfor djukA
3&4 is”ksoj ¼izfrf’Br izcU/ku laLFkkuksa ls izf”kf{kr pkVZMZ
,dkm.Vs.V~l] vf/kd`r foÙkh; fo”ys’kd] ,ech,] vkfn½ dh
Vhe dk p;u dj ,llh,vkjMh cSadksa esa e/;e izcU/ku dks
l”kDr cukukA
fjDr gq;s LFkkuksa esa Hkjrh esa gksus okys foyEc ls cpus ds fy;s
Hkjrh uhfr esa lq/kkj A
¼dk;Zokgh visf{kr& ukckMZ½
¼dk;Zokgh visf{kr&,vkjMh cSad@
QsMjs”ku@jkT; ljdkjsa½
¼dk;Zokgh & QsMjs”ku½
QsMjs”ku
,llh,vkjMh cSaDl@ihlh,vkjMh cSaDl
i)
ii)
iii)
i)
ii)
¼dk;Zokgh visf{kr& ukckMZ½
¼dk;Zokgh visf{kr&,vkjMh cSad@
QsMjs”ku@jkT; ljdkjsa½
¼dk;Zokgh & QsMjs”ku½
QsMjs”ku
,llh,vkjMh cSaDl@ihlh,vkjMh cSaDl
- 20 -
60dr¨dm{f©H [anmoQ ©2019-2020
Jh foosd vxzoky] vkbZ,,l la;qDr lfpo rFkk dsUnzh; fucU/kd
lgdkjh lfefr;ka ds lkFk cSBd
6 Qjojh 2020 dks ukckMZ ds v/;{k ds lkFk cSBd
Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh iqj"kksÙke :ikyk ls
okrkZ gsrq fnukad 12 ekpZ 2020 dks izfrfuf/k e.My
,vkjMh cSadksa dk dEI;wVªhdj.k&,uvkbZlh ds lkFk vuqcU/k
uohuhdj.k
izdk”ku
yS.M cSad tjuy
okf’kZd lka[;dh; cqysfVu
,vkjMh cSadksa dk ekfld izxfr izfrosnu
4 fnlEcj 2019 dks lEiUu cSBd esa QsMjs”ku ds v/;{k ,oa
izfrfuf/k;ksa }kjk dqN egRoiw.kZ eqn~nksa] tSls fd Qlyh _.k C;kt
vuqnku ;kstuk esa ,llh,vkjMh cSadks dks Hkh lfEefyr fd;k tkus]
2018&19 esa ,llh,vkjMh cSadksa ds _.ki= fuos”k ds fy;s fdlh
izdkj dk ctVh; izko/kku u fd, tkus rFkk Hkwfe fodkl cSadksa ds
_.k i=kksa ij fuos”k dks iwoZ dh Hkkafr ;Fkkor ykxw fd, tkus ds
vuqjks/k ij ljdkj ds gLr{ksi fd;s tkus dh vko”;drk dks
laKku es yk;k x;kA
,llh,vkjMh cSadksa ds lnHkZ esa ukckMZ dh iqufoZÙk uhfr ls
lEcfU/kr izeq[k eqn~nksa ij cSBd esa fopkj foe”kZ fd;k x;kA
QsMjs”ku us ,dkRed iz.kkyh ds ,llh,vkjMh cSdksa dks iqufoZÙk
lg;ksx c<+k;s tkus ds lkFk lkFk cgq lsok dsUnz fodflr fd;s tkus
ds fy;s Hkh ihlh,vkjMh cSadksa dks’kh; lgk;rk dk LOkkxr fd;kA
lHkh ,llh,vkjMh cSadksa dks vYidkyhu iqufoZÙk miyC/k djk;k
tkuk] tks vHkh rd U;wure tksf[ke Js.kh okys ,llh,vkjMh cSadksa
rd gh lhfer gS] rFkk ,yVhvkjlh,Q iqufoZÙk ds ,d Hkkx dks
vkof/kd _.k ds ,d vfuok;Z ?kVd ds :i esa Qlyh _.k gsrq
_.k iznku djus ds fy;s vkoafVr gS] vkfn dqN egRoiw.kZ lq>ko
QsMsj”ku dh vksj ls ukckMZ ds lkFk lEiUu okrkZ esa fn;s x;sA
QsMjs”ku ds ,d izfrfuf/k e.My us fnukad 12 ekpZ 2020 dks bl
{ks= ds izeq[k eqn~nksa ij ljdkj ds lg;ksx dh ekax ds lkFk
Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh :ikyk ls
HksaV dhA izfrfuf/k e.My dk usr`Ro QsMjs”ku ds funs”kd e.My ds
lnL; Jh icZr HkkbZ iVsy] lkaln] Jh ds- lnk{kjh] mik/;{k
,ulh,vkjMhch QsMjs”ku] Jh ds-ds-jfoUnzu] izcU/k funs”kd&
,ulh,vkjMhch QsMjs”ku] Jh pjunso flag eku] izcU/k funs”kd
iatkc ,llh,Mh cSad rFkk Jh oh-,e pkS/kjh] egkizcU/kd xqtjkr
,llh,vkjMh cSd }kjk fd;k x;kA izfrfuf/k e.My us ekuuh;
ea=h egksn; ls oS|ukFku VkLdQkslZ dh flQkfj”kksa ij vk/kkfjr
,yVhlhlh,l ds iqu#)kj iSdst ds izLrko dks iqu% iVjh ykus]
Hkkjr ljdkj ds Qlyh _.k ij C;kt vuqnku ;kstuk dks
,llh,vkjMhcSadksa ds fy;s c<+k;s tkus] ,vkjMh cSdksa dks cSafdax
ykblsUl fn, tkus gsrq ekud fu/kkZfjr djus rFkk ,llh,vkjMh
cSadksa ds _.k i=ksa ds fy;s jkT; ljdkjksa ls feyku ds vk/kkj ij
ctV vkoaVu dks iquZthfor djus gsrq viuk gLr{ksi djus ds fy;s
vkxzg fd;kA
dqN jkT;ksa esa ,llh,vkjMh cSadksa ,oa ,uvkbZlh ds e/; gq,izkjfEHkd rhu o’khZ; vuqcU/k dh le; lhek lekIr gks pqdh gSaAjk’Vªh; lwpuk foKku dsUnz ¼,uvkbZlh½ us fl)kUrr% ppkZ esa ijLijgqbZ lgefr ds vk/kkj ij fu/kkZfjr fu;e vkSj “krksZa ds v/khuvuqcU/k ds ufouhdj.k fd;s tkus ij lgefr O;Dr dh gS rFkkQsMjs”ku dks lEcfU/kr ,llh,vkjMh cSadksa ds izfrfuf/k;ksa ds lkFkvizSy 2020 ds f}rh; lIrkg esa fdlh fnu ,d cSBd vk;ksftrdjus dk lq>ko fn;kA blh e/; lnL; cSadksa ds egRoiw.kZ eqn~nsvkSj fookn ;fn dksbZ gSa] ftUgsa ,uvkbZlh ds lkFk fopkj foe”kZ djgy fd;k tk lds] “kh?kzkfr”kh?kz QsMjs”ku dks lwfpr djus dhlykg nh xbZA
QsMjs”ku 1962 ls yS.M cSad tjuy dk izdk”ku dj jgk gSA
tjuy es “kks/k&ys[k rFkk d`f’k ,oa xzkeh.k lk[k o lgdkfjrk
lEcU/kh lekpkj izdkf”kr gksrs gSaA ge bl {ks= dh egRoiw.kZ
?kVukvksa rFkk lnL; cSadksa ds fØ;kdykiksa dh ?kVukvksa dks Hkh
vkPNkfnr djrs gSaA
lnL; cSadksa ls lEcfU/kr fdz;kdykiksa ds vkadM+ksa dk ladyu ,oa
laxzg.k rFkk okf’kZd lka[;dh; cqysfVu dk izdk”ku dk dk;Z Hkh
izdks’B }kjk fd;k tkrk gSA QsMjs”ku bl egRoiw.kZ izdk”ku dks
,vkjMh cSadksa ds fØ;kdykiksa ds cqfu;knh Lrj ds vkadMksa ls
lEcfU/kr ;qDrlaxr lwpuk ra= ls v|ru fd;s tkus ds fy;s
iz;Ru”khy gSA
QsMjs”ku lnL; cSadksa dh vius Lrj ij rFkk Hkkjr ljdkj dks
izfrosfnr djus gsrq leh{kk ds fy;s eq[; fdz;kdykiksa ds vkadM+ksa
dk laxzg.k ,oa ladyu ekfld vk/kkj ij djrk gSA _.k forj.k]
olwyh fu’iknu] m/kkj jkf”k;ka rFkk tek laxzg.k vkfn eq[; {ks= gSa]
tks bl ekfld izxfr izfrosnu esa vUrfuZfgr gSaA
iqj"kksÙke
Jh foosd vxzoky] vkbZ,,l la;qDr lfpo rFkk dsUnzh; fucU/kd
lgdkjh lfefr;ka ds lkFk cSBd
6 Qjojh 2020 dks ukckMZ ds v/;{k ds lkFk cSBd
Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh iqj"kksÙke :ikyk ls
okrkZ gsrq fnukad 12 ekpZ 2020 dks izfrfuf/k e.My
,vkjMh cSadksa dk dEI;wVªhdj.k&,uvkbZlh ds lkFk vuqcU/k
uohuhdj.k
izdk”ku
yS.M cSad tjuy
okf’kZd lka[;dh; cqysfVu
,vkjMh cSadksa dk ekfld izxfr izfrosnu
jk’Vªh; Lrj ij
vUrjkZ’Vªh; Lrj ij
jk’Vªh; Lrj ij QsMjs”ku fuEukafdr laxBuksa ls lEc) gS%&
QsMjs”ku ,ulh;wvkbZ dk lnL; gS rFkk blds dk;Zdzeksa ls
lfdz; :i ls tqM+k gSA Jh ds f”konklu uk;j v/;{k]
,ulh;wvkbZ dh lkekU; lHkk esa QsMjs”ku ds izfrfuf/k gSa ftUgsa
,ulh;wvkbZ dh lapkyd ifj’kn ds fy, pquk x;k gSA
QsMjs'ku lhvkschvkbZ ds laLFkkid lnL;ksa esa ls ,d gSA QsMjs”ku
ds v/;{k Jh ds- f”konklu uk;j QsMjs”ku ds v/;{k dks
lhvkschvkbZ dh lkekU; lHkk esa ukfer fd;k x;k vkSj og
funs”kd e.My ds fuokZfpr lnL; Hkh gSaA
Jh ds- jfoUnj jko] QsMjs”ku ds milHkkifr bldh lkekU; lHkk
rFkk ,u,,Q,Q,lh ds funs”kd e.My ds lnL; gSaA
Jh ds- d-s jfoUnzu izcU/k funs”kd QsMjs”ku dks Hkkjr ljdkj
}kjk ,ulhMhlh vf/kfu;e 1962 dh /kkjk 3¼4½¼ ½ ds vUrxZr
,ulhMhlh dh lkekU; ifj’kn dk lnL; ukfer fd;k x;k gSA
QsMjs'ku fuEukafdr laxBuksa ls Hkh ,lksfl,V lnL;rk cuk, gq,
gS%&
bf.M;u epsZ.V~l psEcj ¼vkb,elh½
bf.M;u cSaDl ,lksfl,”ku ¼vkbch,½
bf.M;u lkslkbVh QkWj LVMht+ bu dksvkijs”ku
bf.M;u VwfjT+e dksvkijsfVo fy- ¼vkbVhlh½
QsMjs”ku ds izcU/k funs”kd bldh lkekU; ifj’kn ds lnL; gSaA
QsMjs”ku oSf”od vkblh, ds lkFk gh vkbZlh, ,f”k;k iSflfQd
jhtu dk lnL; gSA
QsMjs”ku vkblh, dh vusd lfefr;ksa ls Hkh lEc) gSA
Jh ds- f”konklu uk;j] QsMjs”ku v/;{k] vkblh,&,ih desVh
vkWu cSafdax ,oa dzsfMV ds fuokZfpr v/;{k gSaA Jh uk;j dks
b.Vjus”kuy dksvkijsfVo cSafdx ,lksfl,”kuu] ¼vkbZlh,ch½ dk]
ftldk iquZxBu vDVwcj 2019 esa fdxkyh esa lEiUu vkbZlh,
Xykscy ,lsEcyh esa gqvk] mik/;{k ds :i esa fuokZfpr fd;k x;k
FkkA
QsMjs”ku ,izkdk dk laLFkkid lnL; gSA Jh ds-ds-jfoUnzu izcU/k
funs”kd QsMjs”ku 1996 ls bldh lkekU; lHkk ds lnL; gSaA
QsMjs”ku vkbZvkj;w dk lnL; gSA vkbZvkj;w dh lkekU; lHkk esa
QsMjs”ku dk izfrfuf/kRo v/;{k djrs gSaA
us”kuy dksvkijsfVo ;wfu;u vkWQ bf.M;k ¼,ulh;wvkbZ½
dksvkijsfVo cSasd vkWQ bf.M;k ¼lhvkschvkbZ½
us”kuy fQYe ,.M Qkbu vkVZ~l dksvkijsfVOl fy- ¼usQsd½
jk’Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½
ls.Vj QkWj b.Vjus”kuy dksvkijs”ku ,.M Vªsfuax bu
,xzhdYpjy cSafdax ¼lhvkblhVh,ch½
b.Vjus”kuy dksvkijsfVo ,yk,Ul ¼vkbZlh,½
,f”k;k isflfQd jhtuy ,xzhdYpjy dzsfMV ,lksfl,”ku
¼,izkdk½
b.Vjus”kuy jSfQlu ;wfu;u ¼vkbZvkj;w½
XVII
•
•
•
•
jk’Vªh; Lrj ij
vUrjkZ’Vªh; Lrj ij
us”kuy dksvkijsfVo ;wfu;u vkWQ bf.M;k ¼,ulh;wvkbZ½
dksvkijsfVo cSasd vkWQ bf.M;k ¼lhvkschvkbZ½
us”kuy fQYe ,.M Qkbu vkVZ~l dksvkijsfVOl fy- ¼usQsd½
jk’Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½
ls.Vj QkWj b.Vjus”kuy dksvkijs”ku ,.M Vªsfuax bu
,xzhdYpjy cSafdax ¼lhvkblhVh,ch½
b.Vjus”kuy dksvkijsfVo ,yk,Ul ¼vkbZlh,½
,f”k;k isflfQd jhtuy ,xzhdYpjy dzsfMV ,lksfl,”ku
¼,izkdk½
b.Vjus”kuy jSfQlu ;wfu;u ¼vkbZvkj;w½
- 21 -
lEc)hdj.k
60dr¨dm{f©H [anmoQ ©2019-2020
lkekU; fudk; esa QsMjs”ku dsa lnL; gksrs gSa ftlesa izfrfuf/k cSadksa
ds funs”kd e.My }kjk ukfer izfrfuf/k;ksa dk izfrfuf/kRo gksrk gSA
QsMjs”ku ds lnL;ksa dh lwph fuEuor gS%&
1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]xqokgVhA
2- cgq&jkT;h; lgdkjh Hkwfe fodkl cSad fy- ¼fcgkj&>kj[k.M½iVukA
3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]vgenkcknA
4- gfj;k.kk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]iapdqykA
5- fgekapy izns”k jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSadfy-] f”keykA
6- tEew&d”ehj jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]JhuxjA
7- dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]cSaxyksjA
8- dsjy jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]fFk#ouUriqjeA
9- mM+hlk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]Hkqous”ojA
10- ikf.Mpsjh dsUnzh; Hkwfe fodkl cSad fy- ikf.MpsjhA
11- iatkc jkT; lgdkjh d`f’k fodkl cSad fy- p.Mhx<+A
12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy-]t;iqjA
13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodkl cSad fy-]psUubZA
14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-] vxjrykA
15- mÙkjizns”k lgdkjh xzke fodkl cSad fy-]y[kuÅA
16- if”pe caxky jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]dksydrkA
17- fnYyh jkT; lgdkjh cSad fy- ubZ fnYyhA
18- es?kky; lgdkjh ,isDl cSad fy- f”kykWaxA
19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy- gSnjkcknA
mifof/k la[;k 20¼ ½ ds vuqlkj QsMjs”ku ds izcU/ku e.My esa
lkekU; fudk; ls fuokZfpr 19 funs”kd] dsUnz ljdkj }kjk ukfer
1 funs”kd] izcU/k funs”kd tks QsMjs”ku dkinsu lnL; gS] ds
vfrfjDr funs”kd e.My }kjk lg;ksftr 2 funs”kd gksrs gSaA
lnL; cSadks dk izfrfuf/kRodjuokys 4 fuokZfpr lnL;ksa ds in
fjDrgSaA
¼flrEcj 2020 dh fLFkfr½s
funs”kd e.My
iii
QsMjs”ku ds izcU/ku e.My esa fuEukafdr O;fDr lfEefyr Fks%&
funs”kd e.My
QsMjs”ku ds izcU/ku e.My esa fuEukafdr O;fDr lfEefyr Fks%&
- 22 -
Øela[;k izcU/ku e.My ds lnL; dk uke lnL; cSad ftldk izfrfu/kRo dj jgs gSa
1- Jh ds- f”konklu uk;j] v/;{k dsjy jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
2- Jh ds- “knk{kjh] mik/;{k dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
3- Jh fct; dqekj flag] mik/;{k cgqjkT;h; jkT; lgdkjh Hkwfe fodkl cSad fy- ¼fcgkj&>kj[k.M½
4- Jh d-s jfoUnj jko] mik/;{k rsyaaxkuk jkT; lgdkjh ,isDl cSad fy-
5- Jh efpZUuk fl;ke] mik/;{k es?kky; jkT; lgdkjh ,isDl cSad fy-
6- Jh ijHkkr HkkbZ iVsy ¼lkaln½ lg;ksftr
7- Mk- fctsUnz flag fnYyh jkT; lgdkjh cSad fy-
8- Jh vkj- ifjey vt+kxu rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodkl cSad fy-
9- Jh eksbuqy glu Ikf”pe caxky jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
QsMjs'ku dk izcU/ku
60dr¨dm{f©H [anmoQ ©2019-2020
dk;Zdkfj.kh lfefr
Jh ds- f”konklu uk;j]
Jh ds- “knk{kjh]
Jh fct; dqekj flag]
Jh ds- jfoUnj jko]
Jh ,e- fl;ke]
Jh ds-ds-jfoUnzu]
iz”kklfud lfefr
Jh ds- f”konklu uk;j]
Jh ds- “knk{kjh]
Jh fct; dqekj flag]
Jh ds- jfoUnj jko]
Jh ,e- fl;e]
Jh ds- ds- jfoUnzu]
foÙkh; o’kZ 2019&20 ds nkSjku lkekU; fudk;] lapkyd e.My
rFkk dk;Zdkfj.kh lfefr dh cSBd
mifof/k la[;k 26¼,½ ds vuqlkj ]dk;Zdkj.kh lfefr esa v/;{k] 4
mik/;{k] izcU/k funs”kd rFkk lapkyd e.My }kjk fuokZfpr 5
cksMZ ds lnL; gksaxsA
¼1½ v/;{k
¼dsjy LVsV dksvkijsfVo ,xzhdYpjy ,.M :jy Msoyies.V
cSad fy-½
¼2½ mik/;{k¼dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-½
¼3½ mik/;{k¼cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy-] fcgkj&>kj[k.M½
¼4½ mik/;{k¼rsyaxkuk jkT; lgdkjh ,isDl cSad fy-½
¼5½ mik/;{k¼es?kky; jkT; lgdkjh ,isDl cSad fy-½
¼6½ izcU/k funs”kd¼,ulh,vkjMhch,Q½
mifof/k la[;k 27¼,½ ds vuqlkj] iz”kklfud lfefr esa v/;{k] 4
mik/;{k] rFkk izcU/k funs”kd gksaxsA flrEcj 2020 dks iz”kklfud
lfefr esa fuEukafdr lnL; gSa %&
1- v/;{k
2- mik/;{k
3- mik/;{k
4- mik/;{k
5- mik/;{k
6- izcU/k funs”kd
frfFk LFkku ds lkFk izfrosnu ds vUrxZr o’kZ ds nkSjku lkekU;
fudk;] lapkyd e.My rFkk dk;Zdkfj.kh lfefr dh cSBd uhps
lwphc) gSa%&
dk;Zdkfj.kh lfefr
Jh ds- f”konklu uk;j]
Jh ds- “knk{kjh]
Jh fct; dqekj flag]
Jh ds- jfoUnj jko]
Jh ,e- fl;ke]
Jh ds-ds-jfoUnzu]
iz”kklfud lfefr
Jh ds- f”konklu uk;j]
Jh ds- “knk{kjh]
Jh fct; dqekj flag]
Jh ds- jfoUnj jko]
Jh ,e- fl;e]
Jh ds- ds- jfoUnzu]
foÙkh; o’kZ 2019&20 ds nkSjku lkekU; fudk;] lapkyd e.My
rFkk dk;Zdkfj.kh lfefr dh cSBd
- 23 -
60dr¨dm{f©H [anmoQ ©2019-2020
Øela[;k izcU/ku e.My ds lnL; dk uke lnL; cSad ftldk izfrfu/kRo dj jgs gSa
10- Jh cyfoUnj flag iatkc jkT; lgdkjh d`f’k fodkl cSad fy-
11- Jh vjfoUn dqekj flag mÙkj izns”k lgdkjh xzke fodkl cSad fy-
12- Jh ftrsUnz izlkn jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy-
13- Jh oh-,e- pkS/kjh Xkqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
14- Jh ujs”k xks;y gfj;k.kk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
15- fgekapy izns”k jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
16- Jh eksgEen vlye HkV~V tEew d”ehj jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
17- Jh izeksn fj;kax] /kk;d f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-
18- Jh ds-ds- jfoUnzu izcU/k funs”kd] ,ulh,vkjMhch QsMjs”ku
Jh foosd pkSgku ,pih,,l
fo
( )
cSBdas LFkku frfFk
¼,½ okf’kZd lkekU; fudk; eqEcbZ 10 twu 2019
¼ch½ izcU/ku e.My cksMZ
158oha cksMZ eqEcbZ 10 twu 2019
159oha cksMZ gSnjkckn 18 tuojh 2020
¼flrEcj 2020 esa rhu in fjDr jgsA½
- 24 -
60dr¨dm{f©H [anmoQ ©2019-2020
egRoiw.kZ eqn~ns ftu ij funs”kd e.My esa fopkj fd;k x;k
cksMZ dh cSBdsa] lnL; cSadksa ds fdz;kdykiksa dh leh{kk ds vykok
uhfrxr ,oa xzkeh.k lk[k ls lEcfU/kr ifjpkyu ds eqn~nksa ij
fopkj foe’kZ ds fy;s vHkh Hkh izeq[k okDihB gSA
o’kZ ds nkSjku izfrosnu ds vUrxZr cksMZ us lnL; cSadksa ds
O;kolkf;d fdz;k dykiksa rFkk ukckMZ ls iquZfoÙk ds vUrxZr _.k
forj.k olwyh bR;kfn dh vkof/kd leh{kk ls lEcfU/kr fu;fer
fo’k;ksa ij fopkj foe"kZ ds vfrfjDr fuEukafdr fo’k;ksa ij Hkh ppkZ
dh%&
1- fuos”k _.k esa ,vkjMh cSadksa dh Hkkxhnkjh c<+kus ds fy;s
dk;Zny dh fjiksVZ&QsMjs”ku vkSj lnL;ksa ds fy, dk;Z
ladsrA
2- d`f’k ,oa vd`f’k ds vkof/kd _.kksa ds fy, vkn”kZ _.k olwyh
uhfrA
3- _.k forj.k esa vkxs vkus rFkk iqufoZÙk vkgj.k ds ifjizs{; esa
,llh,vkjMh cSadksa ls lEizs’k.kA
4- lgk;d laLFkkvksa ds ek/;e ls mi&fof/k la[;k 3¼ch½
ds vUrxZr vk; mRiknu xfrfof/k;ksa ds vkjEHk djus lEcU/kh
& mi lfefr dh leh{kkA
5- ukckMZ ds iqufoZÙk ij fnukad 10 ebZ 2019 ls izHkkoh C;kt
njA
6- 2019&20 ds nkSjku ,llh,vkjMh cSadksa ds xSj “kkldh;
funs”kdksa rFkk ihlh,vkjMh cSadksa dh lykgdkj lfefr ds
funs”kdksa ds izf”k{k.k dk;Zdzeksa dk vk;kstuA
7- foÙkh; o’kZ 2019&20 ds fy;s dk;Zdzeksa dk dSys.MjA
8- izeq[k ifjpkyu {ks=ksa esa ,llh,vkjMh cSadks ds vizSy 2018&
ekpZ 2019 ds nkSjku dk;Z fu’iknu dh leh{kkA
9- ,llh,vkjMh cSadksa dh 2019&20 ds fy, iquZfoÙk uhfr ds
ek/;e ls cgq lsok dsUnzksa ds :i esa ihlh,vkjMh cSadksa dh
nh?kZdkfyd iquZfoÙk uhfrA
10- vfu;af=r tek ;kstuk izfrcU/k vf/kfu;e 2019¼ch;wMh,l½A
11- dk;Zokgh vkSj dk;Z;kstuk & ,vkjMh cSadksa ds jk’Vªh;
lEesyuA
12- fuos”k _.k esa ,vkjMh cSadksa esa cktkj dh Hkkxhnkjh c<+kus ds
fy;s dk;Z ;kstukA
13- d`f’k esa fuos”k _.k ds fy, nh?kZdkyhu iqufoZÙk& nh?kZdkyhu
xzkeh.k lk[k fuf/k 2019&20 ¼,yVhvkjlh,Q½ &
,llh,vkjMh cSadksa ds fy,A
14- ukckMZ ds iqufoZÙk ij C;kt&njA
15- cSafdax fu;ked vf/kfu;e ds nk;js esa jkT; lgdkjh d`f’k ,oa
xzkEkh.k fodkl cSadksa ¼,llh,vkjMhch,l½ dks ykblsUl
nsuk&fnukad 7 vxLr 2019 dk vkjchvkbZ ls i=A
16- Ms;jh b.VjizsU;ksjf”ki Msoyies.V Ldhe ¼MhbZMh½ nqX/k
m|ferk fodkl ;kstuk&foÙkh; o’kZ 2019&20 esa ;kstuk dk
;ksxnku&lhekUr vko”;drkvks esa la”kks/kuA
17- izeq[k ifjpkyu {ks=ksa esa vizSy 2019 ls vDVwcj 2019 rd
,llh,vkjMh cSadksa ds dk;Z fu’iknu dh leh{kkA
(xiii)
egRoiw.kZ eqn~ns ftu ij funs”kd e.My esa fopkj fd;k x;k
Øela[;k nkf;Ro bl frfFk dks Fkk
Øela[;k vfLr;ka tSlk fd bl frfFk dks Fkk
¼/kujkf'k yk[k # esa½-
31-3-20 31-3-19 31-3-20 31-3-19
Øela[;k fooj.k /kujkf'k
vk; 2019&20 2018&19
O;;
Ok’kZ 2019&20 ds lEifÙk ,oa nkf;Roa] vk; ,oa O;; [kkrksa dk lkjka”k uhps fn;k x;k gS %
vkfLr;ka ,oa nkf;Ro
1 lnL; cSadksa ls ,,e,l rFkk vfrfjDr ;ksxnku 84-90 77-972 C;kt vkSj ykHkka”k vk; 205-58 199-15
3 izkIr vuqnku ¼Hkkjr ljdkj] ,ulh;wvkbZ ,oa ukckMZ½ 11-00 8-00
4 fofo/k vk;@vfrfFkx`g lsok izHkkj 0-15 0-15
5 chMhMhvkj ls olwyh] vfrfjDr izko/kku myVs x;s 0-46 24-96rFkk iqjkus ns; [kkfjt fd;sx;s
;ksx ¼1 ls 5½ 302-09 310-23
--
-
-
-
1 vkjf{kra ,oa vU; 2171 2143 37 1 uxn ,oa cSad 15 12dks’k vo”ks’k
2 izfrHkwr _.k 0 00 0 00 2 fuos”k 1919 12 1863 99
3 vU; nkf;Ro ,oaizko/kku 79 55 75 17 3 vpy laEifÙk 212 11 218 85
4 vk; ,oa O;; [kkrs 16 10 14 57 4 fofo/k nsunkj vkSj 116 33 94 33ls LFkkukUrfjr izkfIr;kavf/k”ks’k
5 _.k ,oa vfxze 0 98 6 25
6- nh?kZ dkyhu i¡wth 0-00 33-73gkfu ¼lh,Q½
7 fofo/k tek ,oa 3 45 3 58iwoZnÙk O;;
;ksx 2267 02 2233 11 ;ksx 2267 02 2233 11
- -37 - - -03 -38
- - - - - -
-- - - - -
- - - - - -
- - -
- - -
- - - -
vk; ,oa O;; ¼/kujkf'k yk[k # esa½-
1 izcU/ku ykxr 125 80 114 86
2 vU; dk;kZy; O;; 30 70 60 74
3 ;k cSBd@lsfeukj@laxks’Bh O;;@iqjLdkj lekjksg 18 32 8 09
4 ifjlj j[k&j[kko O;; 8 58 8 12
5 izko/kku @fuf/k;ka 102 58 103 85
-
-
-
-
-
;ksx ¼1 ls 5½ 285 98 295 66
16-11 14-57vf/k'ks’k
- -
- -
- -
- -
- -
- -
vf/k'ks’k
- 25 -
foÙk ,oa ys[kk
60dr¨dm{f©H [anmoQ ©2019-2020
- 26 -
lnL; cSadks dk laf{kIr fooj.k
60dr¨dm{f©H [anmoQ ©2019-2020
lnL; cSadksa dk laf{kIr fooj.k
fooj.k 2017&18 2018&19 2019&20
nwjHkk’k&0172 2587040bZesy& [email protected]
izeq[k foÙkh; ekun.M
izcU/k funs'kdJh ujs”k xks;y
lgdkfjrk Hkou] cs la[;k 31&34] lsDVj 2] iapdqyk&134 112
gfj;k.kk jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij 68ihlh,vkjMh cSad ij 743
&&
_.k ij C;kt nj&12-00 ls 13-00Tkek laxzg.k ij C;kt nj&,uvkj
% %_.k ij C;kt nj&12-00 ls 13-00Tkek laxzg.k ij C;kt nj&,uvkj
% %
¼/kujkf'k yk[k # esa½-
_.k cdk;k 196679-28 193118-05 187944-16
forfjr _.k 7721-39 2644-00 7246-73dqy iznÙk 4509-36 4509-36 4361-02fuckZ/k vkjf{kr fuf/k;ka 42144-90 42144-90 49587-18
ij ifjlEifÙk;ksa dk vuqikr ,uvkj ,uvkj ,uvkjTkek cdk;k 15-16 10-33 538-97m/kkj cdk;k 165209-22 157359-64 136331-61
“kq) yk @gkfu ¼3188-11½ ¼7638-23½ 6392-30Lakfpr gkfu;ka] ;fn dksbZ gksa 37788-30 45426-53 39034-23
(%)
*
,uvkj dk rkRi;Z ukWV fjiksVZsM¼lwpuk vizkIr½ *dks’Bd esa vafdr vad gkfu n”kkZrs gSaA
i¡wth
i¡wth
Hk
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½-
_.k cdk;k 57965-12 58196-20 56001-13forfjr _.k 17762-88 14956-81 13652-26dqy iznÙk 4590-85 4532-39 4445-99fuckZ/k vkjf{kr fuf/k;k 54874-66 56036-78 25017-33
ij ifjlEifÙk;ksa dk vuqikr 49-07 49-05 56-95vnÙk tek 26078-30 27041-55 26711-86m/kkj cdk;k 39201-55 34226-78 40217-36“kq) ykHk 2100-14 2101-52 2525-00Lakfpr gkfu;ka] ;fn dksbZ gksa & & &
(%)
i¡wth
i¡wth
nwjHkk’k&079&26585365@70@71bZesy&[email protected]
egk izcU/kdJh oh-,ae pkS/kjhegk izcU/kd
489] vkJe jksM] usg: fczt ds ikl] uojaxiqjk] vgenkckn&380 009
xqtjkr jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
_.k ij C;kt nj&11-00 ls 13-00Tkek laxzg.k ij C;kt nj & 5-75 ls 6-00
% %
% %
_.k ij C;kt nj&11-00 ls 13-00Tkek laxzg.k ij C;kt nj & 5-75 ls 6-00
% %
% %
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½% 317$+230¼izlafonk@fuf”pr csM½
deZpkfj;ksa dh fLFkfr
ifjj{kdJh psru ,u- ijekjifjj{kd
- 27 -
60 dr¨dm{f©H [anmoQ ©2019 - 20
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½-
_.k cdk;k 42423-13 45388-81 44091-67forfjr _.k 8217-82 8498-79 5813-49dqy iznÙk 2440-36 2606-35 2618-92fuckZ/k vkjf{kr fuf/k;ka 2121-95 2121-95 2121-95
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 10-76 10-58 10-24vnÙk tek 10095-17 9910-55 10200-40m/kkj cdk;k 27083-93 27716-86 24227-08“kq) ykHk@gkfu 127-43 22-80 ¼185-41½Lakfpr gkfu;ka] ;fn dksbZ gksa & & 35 18
%
.
*
*dks’Bd esa vafdr vad gkfu n”kkZrs gSaA
i¡wth
i¡wth
nwjHkk’k&0177 2621437bZesy&[email protected]
v/;{kJherh “k”kh ckyk
izcU/k funs'kdJh foosd pkSgku ¼,p,,l½
Cykd uEcj Mh&3] ,lMh, dkEIysDl] dlqeiVh] f”keyk&171 009
fgekapy izns'k jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 170ihlh,vkjMh cSad ij % 50
_.k ij C;kt nj& lwpuk vizkIrTkek laxzg.k ij C;kt nj&lwpuk vizkIr_.k ij C;kt nj& lwpuk vizkIrTkek laxzg.k ij C;kt nj&lwpuk vizkIr
nwjHkk’k & 0194&2431892@2431965bZesy&[email protected]
izeq[k foÙkh; ekun.M
Hkou la[;k 12] iksLV vkfQl ysu] gSnjiqjk] eqckjd vLirky ds ikl] Jhuxj&190 014
tEew ,oa d'ehj jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
_.k ij C;kt nj & 14-50Tkek laxzg.k ij C;kt nj&7-75
%
%
_.k ij C;kt nj & 14-50Tkek laxzg.k ij C;kt nj&7-75
%
%
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ & 239
¼/kujkf'k yk[k # esa½-
eq[; dk;Zdkjh vf/kdkjhJh eksgEen vlye HkV~V
_.k cdk;k 5663-61 5788-43 5766-49
forfjr _.k 1268-75 1182-79 904-43
dqy iznÙk 2999-25 3016-92 ,uvkj
fuckZ/k vkjf{kr fuf/k;ka 14-05 237-63 ,uvkjij ifjlEifÙk;ksa dk vuqikr¼ ½ ,uvkj 51-12 ,uvkj
vnÙk tek 15059-47 16645-93 18033-67m/kkj cdk;k 616-00 641-00 616-00
“kq) gkfu 693-10 7993-97 9602-86
lafpr gkfu;ka] ;fn dksbZ gksa 6800-34 ,uvkj ,uvkj
%
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wth
fooj.k 2017&18 2018&19 2019&20
- 28 -
60dr¨dm{f©H [anmoQ ©2019-2020
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½-
nwjHkk’k&080&26702024@74bZesy& [email protected]
v/;{kJh ds- “knk{kjh] HkwriwoZ ,e,y,
izcU/k funs'kdMk- ds- lh- ;fr'k dqekj] dslh,l
Vhiw lqYrku iSysl jksM] pejktisV] ih-vks-ckWDl uEcj 1811] QksVZ] cSaxyksj&560 018
dukZVd jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
_.k ij C;kt nj&3-00 ls 6-00Tkek laxzg.k ij C;kt nj& 9-40
% %
%
_.k ij C;kt nj&3-00 ls 6-00Tkek laxzg.k ij C;kt nj& 9-40
% %
%
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 306Ikhlh,vkjMh cSad ij % 575
_.k cdk;k 179600-41 178226-78 177906-21forfjr _.k 19858-13 23377-07 26439-46dqy iznÙk 7662-56 7854-87 8228-55fuckZ/k vkjf{kr fuf/k;ka 4829-59 4939-20 4657-36
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 6-23 6-38 ,uvkjvnÙk tek 36878-30 41469-07 47860-33m/kkj cdk;k 148731-22 141693-40 125547-86“kq) ykHk 68-69 75-67 ,uvkjlafpr gkfu;ka ;fn dksbZ gksa & & &
%
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wth
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½-
_.k cdk;k 636161-04 665853-77 711836-63forfjr _.k 232755-01 220951-61 221763-38dqy iznÙk 18843-28 19152-83 20432-36fuckZ/k vkjf{kr fuf/k;ka 30201-41 40933-05 43324-02
ij ifjlEifÙk;ksa dk vuqikr 10-71 11-98 12-14vnÙk Tkek 59378-94 47978-40 40963-75m/kkj cdk;k 577682-28 622408-42 596333-18“kq) ykHk 2753-18 2565-50 2780-50Lkafpr gkfu;ka] ;fn dksbZ & & &
¼ ½
gksa
%
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wth
nwjHkk’k&0471&2460595bZesy&[email protected]
v/;{kJh lksykseu ,ysDl
izcU/k funs'kdJh oh- jfFklu] vkbZ-,-,l-
ih-ch- uEcj 56] LVspw taD”ku] fFk#ouUFkiqje & 695 001
dsjy jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 117ihlh,vkjMh cSad ij % ,uvkj
tek laxzg.k ij C;kt nj & 6-75%tek laxzg.k ij C;kt nj & 6-75%
_.k ij C;kt nj ,u vkj-_.k ij C;kt nj ,u vkj-
- 29 -
60dr¨dm{f©H [anmoQ ©2019-2020
fooj.k 2017&18 2018&19 2019&20
iatkc jkT; lgdkjh —f"k fodkl cSad fyfeVsM
nwjHkk’k&0172&2708134@5011708bZesy&[email protected]
v/;{kJh deynhi flag
,llhvks uEcj 51&54] cSad LDok;j] lsDVj 17&ch] p.Mhx<+&160 017
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 192ihlh,vkjMh cSad ij % 632
_.k ij C;kt nj % 10-95 ls 11-80tek laxzg.k ij C;kt nj & 6-75 ls 6-95
% %
% %
_.k ij C;kt nj % 10-95 ls 11-80tek laxzg.k ij C;kt nj & 6-75 ls 6-95
% %
% %
izcU/k funs'kdJh pjunso flag eku
izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½
_.k cdk;k 269209-05 253854 60 227362 68
forfjr _.k 28562 51 17486 17 1254 23
dqy iznÙk 7853 15 7888 15 7888 15
fuckZ/k vkjf{kr fuf/k;ka 12791 19 23397 92 23128 40
ij ifjlEifÙk;ksa dk vuqikr 12 96 12 92 14 26
vnÙk Tkek 34495 46 23518 03 25485 80
m/kkj cdk;k 240564 22 204885 55 180378 87
“kq) ykHk 828 95 120 49 227 34
lafpr gkfu;ka] ;fn dksbZ & & &
- -
- - -
- - -
- - -
¼ ½ - - -
- - -
- - -
- - -
gksa
%
i¡wth
i¡wth
fooj.k 2017&18 2018&19 2019&20
IkkWf.Mpsjh dksvkijsfVo ls.Vªy yS.M Msoyie.V cSad fy] ih-106
nwjHkk’k&0413&2357985 2358827/bZesy&[email protected]
v/;{kJherh oh- ljksthuh
uEcj 24] dksykluxj] mIiye] iqMqpsjh&605 001
_.k ij C;kt nj % 11-50 ls 13-50tek laxzg.k ij C;kt nj % 8-50
% %
%
_.k ij C;kt nj % 11-50 ls 13-50tek laxzg.k ij C;kt nj % 8-50
% %
%
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 30
izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½
izcU/k funs'kdfFk#- ,- bj;klIiu
_.k cdk;k 3021-58 3188-84
forfjr _.k 2381-76 2441-57
dqy iznÙk 463-69 484-67
fuckZ/k vkjf{kr fuf/k;ka 270-89 136-01
ij ifjlEifÙk;ksa dk vuqikr¼ ½ ,uvkj ,uvkj
vnÙk Tkek 2691-86 2989-27
m/kkj cdk;k 534-66 385-70
41-75 50-64
Lkafpr gkfu;ka] ;fn dksbZ 383-86 434-50
%
“kq) gkfu
gksa,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wthukWV fjiksVZsM
- 30 -
60dr¨dm{f©H [anmoQ ©2019-2020
jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fyfeVsM
nwjHkk’k&0141&2740760bZesy&[email protected]
iz'kkldJh th-,y-Lokeh
usg: lgdkj Hkou] osLVuZ CykWd 22] xksnke lfdZy] ch-,l-jksM] t;iqj&302 005
deZpkfj;ksa dh fLFkfr &,llh,vkjMh cSad ij % 58ihlh,vkjMh cSad ij % 271
deZpkfj;ksa dh fLFkfr & _.k ij C;kt nj& 15-59tek laxzg.k ij C;kt nj&tek Lohdk;Z ugha
%_.k ij C;kt nj& 15-59tek laxzg.k ij C;kt nj&tek Lohdk;Z ugha
%
izcU/k funs'kdJh ftrsUnz izlkn
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½
_.k cdk;k 162972-89 157159-70 147638-65forfjr _.k 24372-30 13932-53 7939-28dqy iznÙk 3930-53 3988-06 3991-06fuckZ/k vkjf{kr fuf/k;ka 51656-97 52057-40 56990-47
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 8-79 12-80 15-59vnÙk Tkek 1328-00 1242-15 579-70m/kkj cdk;k 123744-00 113791-84 96674-69“kq) ykHk@gkfu ¼4391-65½ 4420-46 2992-90lafpr gkfu;ka] ;fn dksbZ gksa & & &
%
*
*dks’Bd esa vafdr vad gkfu n”kkZrs gSaA-
i¡wth
i¡wth
rfeyukMq lgdkjh jkT; —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
nwjHkk’k&9445034060 9445034070/bZesy&[email protected] /[email protected]
v/;{kJh vkj- ifjey vtkxu
uEcj 181&183] yqt+ ppZ jksM] ekbykiqj] psUuSbZ&600 004
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 93ihlh,vkjMh cSad ij % 455
_.k ij C;kt nj & -25 ls 9-00tek laxzg.k ij C;kt nj & 7-00 ls 7-50
8 % %
% %
_.k ij C;kt nj & -25 ls 9-00tek laxzg.k ij C;kt nj & 7-00 ls 7-50
8 % %
% %
izcU/k funs'kdJherh vkj- c`Unk
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½
_.k cdk;k 68652-15 73647-60 92846-82
forfjr _.k 69702-35 77322-15 97474-75dqy iznÙk 4120-26 4324-00 4324-00fuckZ/k vkjf{kr fuf/k;ka 7773-00 12223-00 12356-00
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 44-08 38-21 ,uvkjvnÙk Tkek 22443-00 23249-00 24130-55m/kkj cdk;k 6395-00 6397-00 6424-49“kq) ykHk 1043-54 2762-39 30-77Lakfpr gkfu;ka] ;fn dksbZ gksa & & &
%
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wth
- 31 -
60dr¨dm{f©H [anmoQ ©2019-2020
ukWVfjiksVZsM
f=iqjk lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
nwjHkk’k& 0381&2323972bZesy&[email protected]
v/;{kfoJh izeksn fj;kax] /kk;d
vkWfQl ysu] vxjryk& 799 001
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk;sa½ % 23 _.k ij C;kt nj & 14-25 ls 16-25% %_.k ij C;kt nj & 14-25 ls 16-25% %
egk izcU/kdJh viwcZ d`’.k pdzorhZegk izcU/kd
izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½
_.k cdk;k 1646-94 1322-58
forfjr _.k 13-70 0-00dqy iznÙk 1019-35 1000-43
fuckZ/k vkjf{kr fuf/k;ka 8-85 8-85ij ifjlEifÙk;ksa dk vuqikr¼ ½ 39-53
m/kkj cdk;k 961-02 559-83
“kq) ykHk@gkfu 19-68 ¼301-26½
lafpr gkfu;ka ;fn dksbZ gksa 1645-38 1946-64
% NR
*
*,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ dks’Bd esa vafdr vad gkfu n”kkZrs gSaA
i¡wth
i¡wth
fooj.k 2017&18 2018&19 2019&20
nwjHkk’k& 0522&2238844@2238855bZesy&[email protected]
v/;{kJh larjkt ;kno
10 eky ,osU;w] y[kuÅ &226 001
_.k ij C;kt nj & 13-00 ls 13-50tek laxzg.k ij C;kt nj & 6-00
% %
%
_.k ij C;kt nj & 13-00 ls 13-50tek laxzg.k ij C;kt nj & 6-00
% %
%
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 2855
izcU/k funs'kdJh ,-ds- flag
mÙkj izns'k lgdkjh xzke fodkl cSad fyfeVsM
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½
_.k cdk;k 336079-54 313280-48 280706-46
forfjr _.k 6251-27 15180-32 5113-32dqy iznÙk 31822-82 30413-10 28692-41
fuckZ/k vkjf{kr fuf/k;ka 79628-27 79109-55 79006-00ij ifjlEifÙk;ksa dk vuqikr¼ ½ 23-76 25-01 25-00
vnÙk Tkek 6033-79 5474-32 5161-62m/kkj cdk;k 151300-53 137592-72 70876-54“kq) ykHk@gkfu 191-80 ¼8451-20½ ,uvkj
lafpr gkfu;ka ;fn dksbZ gksa 2504-05 10955-26 ,uvkj
%
*
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ dks’Bd es vafdr vad gkfu n”kkZrs gSaA*
i¡wth
i¡wth
- 32 -
60dr¨dm{f©H [anmoQ ©2019-2020
nwjHkk’k & 033&22871786@22871787bZesy&[email protected]
fo”ks’k vf/kdkjh %Jh eksbuqy glu] Hkw-iw- lkalnfo”ks’k vf/kdkjh %
25&Mh] “ksDlfi;j ljka;] dksydrk&700 017
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 80ihlh,vkjMh cSad ij % 585
_.k ij C;kt nj& 7-88 ¼vufUre½tek laxzg.k ij C;kt nj& 6-89 ¼vufUre½
%
%
_.k ij C;kt nj& 7-88 ¼vufUre½tek laxzg.k ij C;kt nj& 6-89 ¼vufUre½
%
%
Ikf'pe caxky jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM
fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½
_.k cdk;k 110015-55 114462-63 124690-55forfjr _.k 22333-84 25090-39 29223-46dqy iznÙk i¡wth 4161-11 4173-11 4247-27fuckZ/k vkjf{kr fuf/k;ka 1059-89 1170-47 1266-74i¡wth ij ifjlEifÙk;ksa dk vuqikr 3-44 3-25 3-16vnÙk Tkek 20577-52 22198-50 22764-85m/kkj cdk;k 84030-41 89367-46 93950-26“kq) ykHk 244-05 322-93 357-70lafpr ;fn dksbZ 1211-27 1044-13 865-92
¼ ½
gkfu;ka gksa
%
Jh veykWu HkV~Vkpk;ZizcU/k funs”kd %
fnYyh jkT; lgdkjh cSad fyfeVsM
besy& nwjHkk’k% 011&[email protected] / [email protected]
v/;{k %Mk- fctsUnj flagv/;{k % izcU/k funs'kd
Jherh vfurk jkor
31] usrkth lqHkk’k ekxZ] nfj;kxat] ubZ fnYyh&110 002
fooj.k 2017&18 2018&19 2019&20
izeq[k foÙkh; ekun.M
deZpkfj;ksa dh fLFkfriz/kku dk;kZy; ij % 65“kk[kk Lrj ij % 453
_.k ij C;kt nj &7-00 ls 18-50tek laxzg.k ij C;kt nj & 3-00 ls 6-50
% %
% %
_.k ij C;kt nj &7-00 ls 18-50tek laxzg.k ij C;kt nj & 3-00 ls 6-50
% %
% %
¼/kujkf”k yk[k #- esa½
_.k cdk;k 76965-33 80292-92 83041-38
forfjr _.k 20697-26 17553-40 23403-41dqy iznÙk 1335-99 1612-46 1674-56
fuckZ/k vkjf{kr fuf/k;ka 22861-97 24992-27 26888-98ij ifjlEifÙk;ksa dk vuqikr¼ ½ 46-67 49-86 50-18
vnÙk Tkek 114154-35 118577-85 122044-43m/kkj cdk;k 1103-29 248-58 ,uvkj
“kq) ykHk 2913-17 3009-64 3038-47
lafpr gkfu;ka ;fn dksbZ gksa & & &
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
%
i¡wth
i¡wth
jkT; lgdkjh cSad
- 33 -
60dr¨dm{f©H [anmoQ ©2019-2020
[email protected]/[email protected]&
v/;{k%Jh ekjfpUuk fl;e
,e-th-jksM] iz/kku dk;kZy;] f”kykWax&793 001
deZpkfj;ksa dh fLFkfriz/kku dk;kZy; ij % 145“kk[kk Lrj ij % 430
% %
% %
_.k ij C;kt nj & 9-00 ls 10-00tek laxzg.k ij C;kt nj & 4-00 ls 7-25_.k ij C;kt nj & 9-00 ls 10-00tek laxzg.k ij C;kt nj & 4-00 ls 7-25
% %
% %
Eks?kky; dksvkijsfVo ,isDl cSad fyfeVsM
fooj.k 2017&18 2018&19izeq[k foÙkh; ekun.M
_.k cdk;k 117302-21 137200-27 167311-99
forfjr _.k 18806-52 ,uvkj ,uvkjdqy iznÙk i¡wth 935-75 939-31 939-31
fuckZ/k vkjf{kr fuf/k;ka 12123-90 13085-60 14085-28i¡wth ij ifjlEifÙk;ksa dk vuqikr 19-68 19-10 ,uvkjvnÙk Tkek 245979-01 265676-69 281319-75
m/kkj cdk;k 5004-53 5405-10 4824-04“kq) ykHk 944-95 1025-24 1500-00lafpr ;fn dksbZ & & &,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
¼ ½
gkfu;ka gksa
%
izcU/k funs”kd %Jh vks- bZ- ts- uksaxczh
nwjHkk’k% 0364&2224160@2225190
2019&20¼/kujkf”k yk[k #- esa½
fooj.k 2017&18 2018&19 2019&20
izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½
_.k cdk;k 519575-61 559680-95 620283-37forfjr _.k 604400-18 608112-82 782100-84dqy iznÙk 14410-03 15729-62 17199-25fuckZ/k vkjf{kr fuf/k;ka 31859-82 34753-77 37703-99
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 10-49 10-76 10-89vnÙk Tkek 385125-24 362225-81 464489-11m/kkj cdk;k 338843-19 350198-80 356432-44“kq) ykHk 4061-25 4436-36 4894-12lafpr gkfu;ka ;fn dksbZ gksaSaSa & & &
%
i¡wth
i¡wth
rsyaxkuk jkT; Lkgdkjh ,isDl cSad fyfeVsM
nwjHkk’k uEcj% 040&24685567bZ esy& [email protected] / [email protected]
v/;{kJh dksUMq: jfoUnj jko
4&1&441 cSad LVªhV Vªqi ckt+kj] vkfcn~l gSnjkckn & 500 001
izcU/k funs'kdMk- usfr eqjyh/kj
_.k ij C;kt dh nj & 5-00 ls 14-00tek laxzg.k ij C;kt dh nj & 4-75 ls 6-60
% %
% %
_.k ij C;kt dh nj & 5-00 ls 14-00tek laxzg.k ij C;kt dh nj & 4-75 ls 6-60
% %
% %
deZpkfj;ksa dh fLFkfriz/kku dk;kZy; ij % 226“kk[kk Lrj ij % 252
- 34 -
60dr¨dm{f©H [anmoQ ©2019-2020
cgqjkT;h; lgdkjh yS.M Msoyies.V cSad fyfeVsM ¼fcgkj&>kj[k.M½
nwjHkk’k& @0612&2226221 22bZesy&[email protected]
v/;{k %Jherh eerk flagv/;{k %
cq) ekxZ] iVuk & 800 001
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk;sa½ % 478
ij C;kt nj &% 11-00%_.k_.k ij C;kt nj &% 11-00%
izcU/k funs”kd %Jh vt; dqekj flagizcU/k funs”kd %
izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½
fooj.k 2017&18 2018&19 2019&20
ukWVfjiksVZsM¼lwpuk vizkIr½
_.k cdk;k 5032-95forfjr _.k 175 00 169 00dqy iznÙk 2833 32 ,uvkjfuckZ/k vkjf{kr fuf/k;ka 1554 78 ,uvkj
ij ifjlEifÙk;ksa dk vuqikr¼ ½ 3 20 ,uvkjvnÙk Tkek 471 26 ,uvkjm/kkj cdk;k 860 66 860 66“kq) gkfu 2485 60 ,uvkj
& &
NR
- ------ --
gksa
%
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½
i¡wth
i¡wth
lafpr gkfu;ka ;fn dksbZ
v/;{k%Jh vkuan Hkqou nkl
vkJe jksM] mywckM+h] xkSgkVh & 781 007
deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ & 184
_.k ij C;kt nj % ,uvkjTkek laxzg.k ij C;kt nj & ,uvkj_.k ij C;kt nj % ,uvkjTkek laxzg.k ij C;kt nj & ,uvkj
vle jkT; lgdkjh d`f"k ,oa xzkeh.k fodkl cSad fy-
fooj.k 2017&18 2018&19izeq[k foÙkh; ekun.M
_.k cdk;k 996-22 1095-77 1178-60
forfjr _.k 182-28 226-94 208-33dqy iznÙk i¡wth 660-44 674-42 686-37
fuckZ/k vkjf{kr fuf/k;ka 1061-39 1061-39 1061-39i¡wth ij ifjlEifÙk;ksa dk vuqikr¼ ½ 46-32 46-67 ,uvkjvnÙk tek 266-15 357-71 316-78m/kkj cdk;k 2952-17 2952-17 2952-17“kq) ykHk@gkfu 16-16 ,uvkjlafpr gkfu;ka ;fn dksbZ 7635-38 7636-60 7636-60
%
(1.21)*
,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ *
gksadks’Bd es vafdr vad gkfu n”kkZrs gSaA
eq[; dk;Zdkjh funs'kd %Jh ?kkuk isxw
nwjHkk’k% 0361&2522201
2019&20¼/kujkf”k yk[k #- esa½
1- lkekU; tkudkjh
2019&20 ds nkSjku iw.kZ :ils fØ;k”khy ,llh,vkjMh
cSadksa ds fØ;k dykiksa ds vkadM+ksa fooj.k i= izfrosnu ds vuqyXud
esa fn;k x;k gSA
13 ,llh,vkjMh cSadksa ¼iw.kZ :i ls dk;Z”khy½ }kjk xro’kZ
¼2018&19½ esa # 4242-50 djksM+ ds dqy _.k forj.k ds lkis{k ds
nkSjku pkyw o’kZ ¼2019&20½ eas # 4214-40 djksM+ dk _.k forfjr
fd;k x;kA foxr dqN o’kksZa ls dqy _.k forj.k esa bl Lrj dh
fxjkoV dk izeq[k dkj.k foÙkh; L=ksrksa dha #dkoV dk gksuk jgk
gSA
blds vfrfjDr] 13 iw.kZ :i ls fdz;k”khy ,llh,vkjMh cSadksa esa ls
4 cSad dkQh yEcs le; rd ukckMZ ds iqufoZÙk dh igqap ls ckgj jgsa
blds lkFk gh dsjy] tks dqy forj.k dk 50 izfr”kr ls vf/kd ds
fy;s mÙkjnk;h gS] dks NksM+ dj] “ks’k vU; cSadksa ds iqufoZÙk vkgj.k
esa Hkh o`f) ugh gqbZZA dsoy ,llh,vkjMh cSad dsjy gh ,slk cSad gS
ftlus _.k forj.k esa egRoiw.kZ o`f) vafdr djkbZ vkSj ftlus
dqy _.k forj.k ds Lrj dks cuk;s j[kus es lgk;rk iznku djkbZ
vkSj Lrj dks rsth ls uhps fxjus ugha fn;kAa ,llh,vkjMh cSad
if”pe caxky] duk±Vdk vkSj rfeyukMq bu rhu cSadksa us _.k
forj.k esa xr o’kZ dh rqyuk esa vPNk dk;Z fd;kA 2018&19 esa
_.k forj.k yxHkx cUn dj pqdus ds ckn ,llh,vkjMh cSad
gfj;k.kk us bl o’kZ _.k forj.k dqN lhek rd iquthZfor dj
fy;kA iatkc] mÙkj izns”k vkSj jktLFkku mu izeq[k cSadksa easa gSa tgka
pkyw o’kZ ds nkSjku _.k forj.k xr o’kZ dh rqyuk esa dkQh de
jgkA
,llh,vkjMh cSadksa usa xro’kZ # 19760-87 ds lkis{k 31-03-2020
dks # 20102-57 djksM+ ds dqy _.k cdk;s ds lkFk xr o’kZ ds _.k
ekspu dh rqyuk esa dqy _.k forj.k esa vkbZ deh dks Li’V :i ls
bafxr fd;kA o’kZ 2018&19 esa # 3513-21 djksM+ ds lkis{k
2019&20 ds nkSjku dqy m/kkj jkf”k;ka # 4077-74 djksM+ FkhA buesa
ls 51 izfr”kr dh izkfIr dk L=ksr ukckMZ Fkk tcfd 46 izfr”kr
L+=ksr ,ulhMhlh vkSj vU; cSafdax O;oLFkk ls jgkA vo”ks’k 3
izfr”kr jkT; ljdkjkasa dh vksj ls ,llh,vkjMh cSadks dks rjyrk
lg;ksx ds :i esa lg;ksftr fd;k x;k A
iw.kZr;k fdz;k”khy ,llh,vkjMh cSadksa dk dqy m/kkj cdk;k
xro’kZ ds # 14871-10 djksM+ ls fxj dj 31-03-02020 dks #
13437-20 djksM+ ds fupys Lrj ij vk x;kA dqy m/kkj cdk;s esa
ukckMZ ds iqufoZÙk dk 86 izfr”kr fgLlk FkkA ukckMZ ds iqufoZÙk
cdk;s es o’kZ ds nkSjku 0-78 izfr”kr dh o`f) gqbZ tks xro’kZ ds
# 11]514-16 djksM+ ls c<+ dj o’kZ ds nkSjku # 11]604-44 gks x;kA
,llh,vkjMh cSad gfj;k.kk us vYidkyhu _.k ds xro’kZ
,ulhMhlh ls fy;s x;s _.k ls eqfDr gksdj rFkk ukckMZ ls o’kZ ds
nkSjku u;s iqufoZÙk dk ykHk fy;s fcuk gh foxr o’kZ ds iqufoZÙk dk
ekspu djrs gq;s vius m/kkj cdk;s esa mYys[kuh; deh gkfly dhA
31 ekpZ 2019 dks # 2113-92 djksM+ ds lkis{k iw.kZr;k fdz;k”khy
,llh,vkjMh cSadksa dk 31-03-2020 dks dqy vnÙk tek # 2129-21
djksM+ FkkA tek laxzg.k esa izFke nks LFkku ij ,llh,vkjMh cSad
dsjy vkSj dukZVd blds ckn xqtjkr] iatkc] rkfeYkukMw vkSj
if”pe caaxky gSa] ;|fi gfj;k.kk vkSj mÙkj izns”k ds tek laxzg.k esa
vHkh xfr ykbZ tkuh gSA 12 cSadksaa esa ls] ftuds fooj.k miyC/k gSa] 8
cSadksa us 2019&20 ds vUr esa vius vnÙk tek esa c<+ksÙkjh dhA ,d
cSad us vius Lrj dks ;Fkkor j[kk rFkk 4 cSadks dks xr o’kZ dh
rqqyuk esa udkjkRed o`f) dk lkeuk djuk iM+kA
Ok’kZ 2019&20 ds nkSjku ,llh,vkjMh cSadksa dh Mhlhch ¼ekax
laxzg.k ,oa vo”ks’k½ esa vkaf”kd lq/kkj gqvk gSA ,llh,vkjMh cSadksa
dh vkSlr olwyh xr o’kZ ds 40-70 izfr”kr ls c<+ dj o’kZ ds nkSjku
42-06 izfr”kr gqbZ gSA vafre m/kkjdÙkkZ Lrj ij cSad dh vkSlr
olwyh 36-37 izfr”kr ls c<+ dj 38-59 izfr”kr gqbZ gSA ;|fi
1- lkekU; tkudkjh
- 35 -
2019 & 20 ds nkSjku lnL; cSadksa ds fdz;kdykiksa dk izfrosnu
60dr¨dm{f©H [anmoQ ©2019-2020
- 36 -
vf/kdka”k jkT;ksa esa olwyh dh fLFkfr foeqnzhdj.k ls iwoZ ds Lrj ij
okil yk;k tkuk vHkh “ks’k gSA
,llh,vkjMh cSadksa dh dqy ekax esa 10-5 izfr”kr dh o`f) ds lkFk
# 10766 djksM+ ls c<++ dj 2019&20 esa #11898 gks xbZ gSA laxzg.k
dh dqy /kujkf”k 14 izfr”kr dh o`f) ds lkFk # 4381 djksM+ ls c<+
dj # 5004 djksM+ gks xbZA mRre olwyh ds ckotwn] ,llh,vkjMh
cSadks dk dqy cdk;k xro’kZ ls 8 izfr”kr vf/kd dh o`f) n”kkZrs gq,
# 6384 djksM+ ls c<+dj # 6894 djksM+ gks x;kA
vafre _.k izkIrdÙkkZ Lrj ij 2018&19 esa 9-8 izfr”kr dh o`f) ds
lkFk # 13183 djksM+ ls c<+dj 2019&20 esa dqy ekax # 14473
djksM+ gkas xbZA blds fo#) xro’kZ # 4797 djksM+ ds lkis{k 16-4
izfr”kr dh o`f) ds lkFk 2019&20 esa # 5585 djksM+ dh olwyh dh
xbZA fQj Hkh vafre _.kh lnL; Lrj ij dqy /kujkf”k esa 6
izfr”kr dh o`f) ds lkFk 2018&19 esa # 8389 djksM+ ls c<+ dj
2019&20 esa # 8889 djksM+ igqap xbZA
,llh,vkjMh cSadksa ds lexz ,uih, ds dqy vkSlr esa xr o’kZ ds
27-08 izfr”kr ls 2019&20 esa 29-50 izfr”kr dh o`f)A dsoy dsjy
vkSj ikf.Mpsjh dk dqy ,uih, dze”k% 5-81 izfr”kr vkSj
2-2 izfr”kr ds lUrks’ktud Lrj ij gSA rfeyukMq dk ,uih, Hkh
15-64 izfr”kr ij jksds gq;s gSa tcfd vU; lHkh ,llh,vkjMh cSadksa
dks ,uih, 20 izfr”kr ls vf/kd gS vkSj f=iqjk vkSj gfj;k.kk ds
ekeyks esa rks ,uih, us 80 izfr”kr ls vkxs fudy pqdk gSA
iw.kZr;k dk;kZRed ,llh,vkjMh cSadks esa iwoZ laijhf{kr vkadMksa ds
vuqlkj] 8 cSdksa us 2019&20 ds nkSjku “kq) ykHk n”kkZ;k gSA
,llh,vkMh cSd gfj;k.kk tks xr o’kZ gkfu esa Fkk] us bl o’kZ fLFkfr
myV nhA tcfd ,llh,vkjMh cSad fgekapy izns”k tks foxr dbZ
o’kksaZ ls fiNys o’kZ rd ykHk ij Fkk] dks bl o’kZ # 1-85 djksM+ dh
“kq) gkfu gqbZA bu cSadksa }kjk xr o’kZ vftZr ykHk # 123-92 djksM+
ds lkis{k 2019&20 esasa # 153-82 djksM+ dh o`f) gqbZA 2019&20 esa
5 ,llh,vkjMh cSadksa dks ftUgsa dqy gkfu gqbZ] us viuh dqy
gkfu;ksa dks # 244-35 djksM+ ls de djrs gq, o’kZ ds nkSjku
# 185-91 djksM+ ij uhps ys vk,A
60dr¨dm{f©H [anmoQ ©2019-2020
QsMjs'ku] lajpuk dks lqn`<+ cukus rFkk lnL; cSadksa dh
xfrfof/k;ksa ds foLrkj ds vius iz;klksa ds lkFk dsUnz vkSj jkT;
ljdkjksa] ukckMZ] Hkkjrh; fjtZ+o cSad] ,u‐lh‐Mh‐lh‐]
,u‐lh‐;w‐vkbZ‐ rFkk vU; vfHkdj.kksa ,oa laLFkkvksa ds lkFk fujUrj
lEcU/k vkSj lEidZ cuk;s gq;s gSA izcU/ku e.My bu lHkh
vfHkdj.kksa vkSj laLFkkvksa }kjk QsMjs'ku dks fn;s x;s mudh
vkyEcu ,oa lg;ksx ds fy;s ÑrKrk Kkfir djrk gSA
QsMjs'ku rFkk bldh lnL; laLFkk;sa Ñf"k ,oa d`’kd dY;k.k
ea=ky; Hkkjr ljdkj ls foÙkh; ,oa uhfrxr lg;ksx izkIr djrs
jgs gSaA izcU/ku e.My Jh iqj‘kksÙke :ikyk] jkT;ea=h] d`f’k ,oa
d`’kd dY;k.k o ea=ky; dks QsMjs'ku ,oa nh?kZ dkyhu lgdkjh
lk[k lajpuk dks mld¢ }kjk fujUrj fn;s tk jgs leFkZu ,oa
ekxZn'kZu ds fy;s vkHkkj izn'kZu djrk gSaA
vkjEHk ls gh ukckMZ ,l‐lh‐,‐vkj‐Mh‐ cSadksa dks iquZfoÙk lg;ksx
ds lkFk izxfr esa lg;ksx iznku djrk jgk gS izcU/ku e.My
ukckMZ dks ,l‐lh‐,‐vkj‐Mh‐ cSadksa dks mlds lrr iquZfoÙk
lg;ksx rFkk nh?kZ dkyhu lgdkjh lk[k lajpuk dks lqn`<+ cukus
ds fy;s buds }kjk fuoZgu dh tk jgh egRoiw.kZ Hkwfedk ds fy;s
ÑrKrk Kkfir djrk gSA
ge] ,u‐lh‐Mh‐lh‐],u,pch] vuqlwfpr okf.kfT;d cSad rFkk
jkT; lgdkjh cSadksa ds izfr Hkh viuk vkHkkj Kkfir djrs gSa] tks
,l‐lh‐,‐vkj‐Mh‐ cSadksa dks foÙkh; lg;ksx iznku djrs vk jgs gSa
ftlls mUgsa vius lnL;ksa dks mudh _.k lEcU/kh
vko”;drkvksaa dks vis{kkÑr vPNs <ax ls iwjk djus esa enn
feyh gSA
QsMjs'ku ds fØ;kdykiksa esa ,u‐lh‐;w‐vkbZ‐ viuk lfØ; lg;ksx
djrk jgk gSA QsMjs'ku bl mnkjrk dh ljkguk djrs gq;s MkW-
pUnz iky flag v/;{k rFkk eq[; dk;Zdkjh vf/kdkjh Jh lR;
ukjk;.k ds izfr viuk vkHkkj iznf'kZr djrk gSA
izfrosfnr o"kZ easa QsMjs'ku dks vius lnL; cSadksa ls fujUrj
foÙkh; ,oa vU; nwljs lg;ksx ds lkFk leFkZu feyrk jgk gSaA
ge vius lnL; cSadksa ds izcU/ku] dfeZ;ksa fo'ks"k :i ls
,llh,vkjMh cSadksa ds v/;{k ,oa eq[; dk;Zdkjh vf/kdkfj;ksaa ds
izfr xgu vkHkkj O;Dr djrs gSaA izcU/ku e.My ekuuh;
v/;{k Jh ds f”konklu uk;j ds izfr ÑrKrk Kkfir djrk gS]
ftUgksusa ekuuh; mik/;{kksa Jh ds 'knk{kjh] Jh ds- johUnj jko]
Jh fct; dqekj flag] rFkk Jh ejfpUuk fl;ke ftUgksusa
QsMjs'ku rFkk nh?kZ dkyhu lk[k lajpuk dks izHkko'kkyh usr`Ro
iznku fd;kA
nh?kZdkyhu lk[k lajpuk ds fofHkUu eqn~nksa dks Hkkjr ljdkj ds
mfpr vf/kdfj;ksa ds le{k izLrqr djkus esa cgqewY; lg;ksx rFkk
funs”kd e.My esa lg;ksftr lnL; ds :i ekxZn”kZu ds fy;s
izcU/ku e.My Jh ds ijcr HkkbZ iVsy] ekuuh; lkaln ds izfr]
ÑrKrk Kkfir djrk gSA
izcU/ku e.My Jh ds- ds- jfoUnzu] izcU/k funs'kd dh lsokvksas dh
ljkguk djrk gS ftUgksusa iw.kZ fu"Bk ,oa leiZ.k ds lkFk eq[;
dk;Zdkjh ds nkf;Roksa dk fuoZgu fd;kA izcU/ku vius lHkh
vf/kdkfj;ksa ,oa dfeZ;ksa }kjk izfrosfnr o"kZ esa dh xbZ lsok ,oa
lg;ksx dh ljkguk djrk gSA
izcU/ku e.My dh vksj ls]
v/;{kds- f'konklu uk;j
- 37 -
vkHkkj
60dr¨dm{f©H [anmoQ ©2019-2020
- 38 -
60dr¨dm{f©H [anmoQ ©2019-2020
¼/kujkf'kyk[kksa
esa½
rkfy
dk1&
_.k
forj
.k,o
a _.k
vo'
ks"k
,llh,vkjMh
dkuke
Øe
la[;
kÑf"k
{ks=
2019
&20
esaforf
jr_.k
31ekpZ 2
020
dkscd
k;k_.k
2018
&19
esaforf
jr_.k
d`f"k
{ks=
dqy
cdk;
k_.k
¼7+$8
½
cdk;
k_.k
31ekpZ
2019
dks
vÑf"k
{ks=
¼vkj,p
,l@
,l-Vh_.k@
vU;
lfgr½
dqy
forf
jr_.k
¼3$4
½
vÑf"k
{ks=
¼vkj,p
,l@
,l-Vh_.k@
vU;
lfgr½
12
34
56
78
910
1.
9887.0
93765.1
713652.2
614956.7
851795.4
64205.6
756001.1
358196.1
9
2.
6649.8
82298.5
78948.4
52643.5
996724.8
826887.2
5123612.1
3147602.2
7
3.
4637.8
711
75.6
25813.4
98498.7
9311
11.2
612980.4
144091.6
745388.8
1
4.
661.3
6243.0
7904.4
311
82.7
94233.9
81532.5
15766.4
95788.4
3
5.
26463.1
0530.2
126993.3
124563.4
6174609.2
93296.9
2177906.2
11411
84.0
8
6.
79288.6
0142474.7
8221763.3
8220951.6
0238917.4
2472919.2
1711
836.6
3665853.7
7
7.
0.0
02375.8
62375.8
62441.5
70.0
03590.2
23590.2
23188.8
4
8.
1010.3
3243.9
01254.2
317486.1
7142024.0
581085.9
3223109.9
8248012.0
5
9.
7258.2
8681.0
07939.2
813932.5
3128964.5
437134.4
4166098.9
8158159.7
0
10.
0.0
097474.7
597474.7
577322.1
50.0
092846.8
292846.8
273647.6
0
11.
0.0
01322.5
8
12.
4281.0
1827.5
25108.5
315180.3
2280706.4
6313280.4
8
13.
24694.5
84517.3
429211
.92
25090.3
992800.4
831890.0
7124690.5
511
4462.6
3
164832.1
0256607.7
9421439.8
9424250.1
49611
81.3
6768369.4
52010257.2
71976087.4
3
xqtjkr
gfj;
k.kk
fgekapy i
zns'k
tEew o
d'e
hj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfey
ukMq
f=iqj
k,u
vkj
,uvkj
,uvkj
,uvkj
,uvkj
,uvkj
mÙkj izn
s'k,u
vkj
,uvkj
if'p
e cax
ky
¼1½ ,u
vkj d
k rkRi;Z l
wpuk v
izkIrA
¼2½
_.k
forj
.k,o
a_.k
vo'
ks"kdh fLFkfr
tuo
jh20
20rd
A
$
;ksx
1 ls 1
3
fVIi.kh%
[]
$
- 39 -
rkfydk & m/kkj jkf'k;ka o"kZ ds nkSjku२ ¼/kujkf'k yk[kksa esa½
,llh,vkjMhdk uke ukckMZ
o"kZ 2019&20 ds nkSjku ,df=r
jkT; ljdkj vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½
vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½
2019-20(3+4+5+6) 2018-19dsUnz ljdkj
dqy ;ksxØela[;k
1 2 3 4 5 6 7 8
1. 10000.00 0.00 0.00 0.00 10000.00 0.00
2. 0.00 0.00 10000.00 0.00 10000.00 20000.00
3. 3851.60 0.00 0.00 0.00 3851.60 6830.60
4. 0.00 0.00 0.00 0.00 0.00 0.00
5. 16909.00 0.00 1000.00 0.00 17909.00 29094.83
6. 135000.00 0.00 0.00 116720.00 251720.00 192555.00
7. -148.96
8. 3564.00 0.00 0.00 46900.00 50464.00 33102.14
9. 11420.00 0.00 0.00 17670.37 29090.37 32423.55
10. 0.00 0.00 0.00 27.72 27.72 4.20
11. 0.00
12. 7012.00 0.00 0.00 700.00 7712.00 12459.93
13. 27000.00 0.00 0.00 0.00 27000.00 25000.00
,uvkj ,uvkj ,uvkj ,uvkj ,uvkj
,uvkj ,uvkj ,uvkj ,uvkj ,uvkj
214756.00 0.00 11000.00 182018.09 407774.09 351321.29
xqtjkr
gfj;k.kk
fgekapy izns'k
tEew o d'ehj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfeyukMq
f=iqjk
mÙkj izns'k
if'pe caxky
;ksx ¼1 ls 13½fVIi.kh % ,uvkj dk rkRi;Z lwpuk vizkIrA
rkfydk & m/kkj jkf'k;ksa dk vo'ks"k३ ¼/kujkf'k yk[kksa esa½
,llh,vkjMhdk uke ukckMZ
31 ekpZ 2020 dks m/kkj jkf'k;ksa dk vo'ks"k
jkT; ljdkj vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½
vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½
31 ekpZ 2020dks ¼3$4$5$6½ 31-03-2019 dksdsUnz ljdkj
dqy ;ksxØela[;k
1 2 3 4 5 6 7 8
1. 11329.52 0.38 100.09 0.00 11429.99 6911.63
2. 33868.23 3441.13 98522.00 0.00 135831.36 157359.64
3. 23446.04 610.06 23.70 147.28 24227.08 27716.86
4. 0.00 279.28 336.72 0.00 616.00 641.00
5. 119253.37 2005.62 5288.87 0.00 126547.86 141693.40
6. 583290.93 179.96 179.96 12682.33 596333.18 622408.42
7. 0.00 0.00 0.00 451.89 451.89 385.70
8. 136620.90 128.39 7.31 43600.00 180356.60 204885.56
9. 88067.73 1228.80 1228.81 6149.35 96674.69 113791.84
10. 0.00 0.00 6389.87 34.62 6424.49 6396.77
11. 2003.34
12. 61592.84 109.28 109.28 9065.14 70876.54 113548.52
13. 93946.69 1.79 1.78 0.00 93950.26 89367.46
,uvkj ,uvkj ,uvkj ,uvkj ,uvkj
1151416.25 7984.69 112188.39 72130.61 1343719.94 1487110.14
fVIi.kh % ,uvkj dk rkRi;Z lwpuk vizkIrAvo'ks"k dh fLFkfr tuojh 2020 rdA
(1)
(2) $
xqtjkr
gfj;k.kk
fgekapy izns'k
tEew o d'ehj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfeyukMq
f=iqjk
mÙkj izns'k
if'pe caxky
;ksx ¼1 ls 13½
$
60dr¨dm{f©H [anmoQ ©2019-2020
- 40 -
60dr¨dm{f©H [anmoQ ©2019-2020
rkfydk & tek laxzg.k४ ¼/kujkf'k yk[kksa esa½
31.03.2019 31.03.2020
o"kZ ds vUr esa tek vo'ks"kØela[;k
,llh,vkjMh dk uke
xqtjkr
gfj;k.kk
fgekapy izns'k
tEew o d'ehj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfeyukMq
mÙkj izns'k
if'pe caxky
;ksx ¼1 ls 12½
$
31.03.2020 31.03.2019 31.03.2020
bl frfFk dks ykHk@gkfu
31.03.2019
1. 2101.51 2525.00 0.00 0.00
2. (7638.23) 6392.30 45426.53 39034.23
3. 22.80 (185.41) 0.00 35.18
4. (7993.97) (9602.86)
5. 75.67 75.67 0.00 0.00
6. 2565.50 2780.50 0.00 0.00
7. (50.64) (50.64) 434.50 434.50
8. 120.49 227.34 0.00 0.00
9. 4420.46 2992.90 0.00 0.00
10. 2762.39 30.77 0.00 0.00
11. (301.26) (301.26) 1946.64 1946.64
12. (8451.00) (8451.00) 10955.26 10955.26
13. 322.93 357.70 1044.13 865.92
,uvkj ,uvkj
fVIi.kh %&¼1½ dks"Bd esa vafdr /kujkf'k gkfu n'kkZrh gSA¼2½ 31-03-2019 dh fLFkfr leh{kk ds fy, foPkkj.kh; gSA
,uvkj dk rkRi;Z lwpuk vizkIrA*
(3)
rkfydk 5 ykHk@gkfu ¼‘kh”kZLFk cSad Lrj ij½- ¼/kujkf'k yk[kksa esa½
,llh,vkjMh dk ukebl frfFk dks lafpr gkfuØe
la[;k
xqtjkr
gfj;k.kk
fgekapy izns'k
tEew o d'ehj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfeyukMq
f=iqjk
mÙkj izns'k
if'pe caxky
*
*
*
*
1. 27041.55 26711.79
2. 10.33 538.97
3. 9934.52 10375.29
4. 16645.93 18033.67
5. 31110.12 34885.26
6. 47978.40 40963.75
7. 2989.27 3289.61
8. 23518.03 25485.80
9. 1242.15 579.70
10. 23249.09 24130.55
11. 5474.32 5161.62
12 22198.50 22764.85
211392.21 212920.86
fVIi.kh % vo'ks"k dh fLFkfr tuojh 2020 rdA$
- 41 -
Øe
la[;
k
-44
-
¼/kujkf'kyk[kksa
esa½rkfy
dk
xSjfu"ikfn
rvkfLr;ka¼,uih,½
6-
--
-rkfy
dk
xSjfu"ikfn
rvkfLr;ka¼,uih,½
6-
--
-
31ekpZ 2
020
dks
,llh,vkjMh
cSaddkuke
dqy
_.k
cdk;
kdqy
,uih,
dqy
,uih,
cdk;
k_.k
ds i
zfr'kr
ds
:i
esa,u
ih,
cdk;
k_.k
ds i
zfr'kr
ds
:i
esa,u
ih,
31ekpZ 2
019
dks
1.
58196.2
032252.6
855.4
256000.5
631582.7
256.4
0
2.
19311
8.0
51611
55.7
983.4
5187944.1
6152321.3
181.0
5
3.
45388.8
211
575.3
125.5
044091.6
813663.0
930.9
9
4.
5788.4
31559.0
726.9
35766.4
91598.3
627.7
2
5.
178253.0
252257.5
929.3
2177906.2
157693.7
532.4
3
6.
665853.7
714918.7
92.2
4711
836.6
341346.4
05.8
1
7.
3188.8
470.6
52.2
23188.8
470.6
52.2
2
8.
253854.6
143423.3
117.1
1227362.6
862882.7
727.6
6
9.
157159.7
069713.5
044.3
6147638.6
575488.2
651.1
3
10.
73647.6
011
517.6
115.6
473647.6
011
517.6
115.6
4
11.
1322.5
811
90.3
290.0
01322.5
811
90.3
290.0
0
12.
272480.1
4120736.5
744.3
1272480.1
4120736.5
744.3
1
13.
114462.6
327316.7
723.8
7124690.5
529906.2
323.9
8
2022714.3
9547687.9
627.0
82033876.7
7599998.0
429.5
0
fVIi.kh %&
31-03-20
19 d
h fLFkfr l
eh{kk d
s fy,
foPkkj.kh; g
SA*
dqy
_.k
cdk;
k
xqtjkr
gfj;
k.kk
fgekapy i
zns'k
tEew o
d'e
hj
dukZVd
dsjy
ikf.Mpsjh
iatkc
jktLFkku
rfey
ukMq
f=iqj
k
mÙkj izn
s'k
if'p
e cax
ky
;ksx ¼1
ls 1
3½
* *
*
*
60dr¨dm{f©H [anmoQ ©2019-2020
- 42 -
rkfy
dk7
&eakx]laxzg.
k]vo'
ks"kdhfLFkfRk
rkfy
dk7
&eakx]laxzg.
k]vo'
ks"kdhfLFkfRk
Øe
la[;
k,l
lh,vkjMh
dkuke
ekax
ekax
_.k
olwyh
_.k
olwyh
vo'
ks"kvo'
ks"kol
wyh
izfr'
kr(%
)
olwyh
izfr'kr
(%)
31ekpZ 2
019
dksol
wyh
izfr'
kr(%
)
31ekpZ
2019
dksol
wyh
izfr'
kr(%
)
'kh"kZLFkcSad
Lrj
ij31
ekpZ 2
020
dhfLFkfr
vafr
e_.k
ykHkkF
khZLr
jij
31ekpZ 2
020
dhfLFkfr¼/kujkf'kyk[kksa
esa½
1.61
339.
0021
249.
4340
089.
5734
.64
32.6
561
339.
0021
249.
4340
089.
5734
.64
32.6
5
2.18
1220
.53
2416
1.50
1570
59.0
313
.33
6.67
2070
58.2
243
744.
9616
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LIST OF MEMBERS (31.03.2020)
1. Assam State Co-operative Agriculture & RuralDevelopment Bank Ltd., Guwahati.
2. The Multi State Cooperative Land DevelopmentBank Ltd. (Bihar-Jharkhand), Patna.
3. Gujarat State Co-operative Agriculture & RuralDevelopment Bank Ltd., Ahmedabad.
4. Haryana State Co-operative Agriculture & RuralDevelopment Bank Ltd., Panchkula.
5. Himachal Pradesh State Co-operative Agriculture& Rural Development Bank Ltd., Shimla.
6. Jammu & Kashmir State Co-operative Agriculture& Rural Development Bank Ltd., Srinagar.
7. Karnataka State Co-operative Agriculture & RuralDevelopment Bank Ltd., Bangalore.
8. Kerala State Co-operative Agricultural & RuralDevelopment Bank Ltd., Thiruvananthapuram.
9. Odisha State Co-operative Agricultural & RuralDevelopment Bank Ltd., Bhubaneshwar.
10. Pondicherry Co-operative Central LandDevelopment Bank Ltd., Pondicherry.
11. Punjab State Co-operative AgriculturalDevelopment Bank Ltd., Chandigarh.
12. Rajasthan Rajya Sahakari Bhoomi Vikas BankLtd., Jaipur.
13. Tamil Nadu Co-operative State Agriculture &Rural Development Bank Ltd., Chennai.
14. Tripura Co-operative Agriculture & RuralDevelopment Bank Ltd.,Agartala.
15. Uttar Pradesh Sahakari Gram Vikas Bank Ltd.,Lucknow.
16. West Bengal State Co-operative Agriculture &Rural Development Bank Ltd., Kolkata.
17. Delhi State Cooperative Bank Ltd., New Delhi.
18. Meghalaya Co-operative Apex Bank Ltd.,Shillong.
19. Telangana State Co-operative Apex Bank Ltd.,Hyderabad.
lnL;ksa dh lwph ¼31-03-2020½
1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] xqokgVhA
2- cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy‐]¼fcgkj&>kj[k.M½] iVukA
3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] vgenkcknA
4- gfj;k.kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]iapdqykA
5- fgekapy izns”k jkT; d`f’k ,oa xzkeh.k fodkl cSadfy‐] f”keykA
6- tEew o d”ehj jkT; d`f’k ,oa xzkeh.k fodklcSad fy‐] JhuxjA
7- dukZVd jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]cSaxyksjA
8- dsjy jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]fFk#ouUriqjeA
9- mM+h'kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]Hkqous”ojA
10- ikf.Mpsjh lgdkjh dsUnzh; Hkwfe fodkl cSad fy‐ikf.MpsjhA
11- iatkc jkT; d`f’k ,oa xzkeh.k fodkl cSad fy]p.Mhx<+A
12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy]t;iqjA
13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodklcSad fy] psuSbZA
14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]vxjrykA
15- mÙkj izns”k lgdkjh xzke fodkl cSad fy‐]y[kuÅA
16- if”pe caxky jkT; d`f’k ,oa xzkeh.k fodkl cSadfy] dksydrkA
17- fnYyh jkT; lgdkjh cSad fy‐] ubZ fnYyhA
18- es?kky; lgdkjh ,isDl cSad fy] f”kykaxA
19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy] gSnjkcknA
1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] xqokgVhA
2- cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy‐]¼fcgkj&>kj[k.M½] iVukA
3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] vgenkcknA
4- gfj;k.kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]iapdqykA
5- fgekapy izns”k jkT; d`f’k ,oa xzkeh.k fodkl cSadfy‐] f”keykA
6- tEew o d”ehj jkT; d`f’k ,oa xzkeh.k fodklcSad fy‐] JhuxjA
7- dukZVd jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]cSaxyksjA
8- dsjy jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]fFk#ouUriqjeA
9- mM+h'kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]Hkqous”ojA
10- ikf.Mpsjh lgdkjh dsUnzh; Hkwfe fodkl cSad fy‐ikf.MpsjhA
11- iatkc jkT; d`f’k ,oa xzkeh.k fodkl cSad fy]p.Mhx<+A
12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy]t;iqjA
13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodklcSad fy] psuSbZA
14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]vxjrykA
15- mÙkj izns”k lgdkjh xzke fodkl cSad fy‐]y[kuÅA
16- if”pe caxky jkT; d`f’k ,oa xzkeh.k fodkl cSadfy] dksydrkA
17- fnYyh jkT; lgdkjh cSad fy‐] ubZ fnYyhA
18- es?kky; lgdkjh ,isDl cSad fy] f”kykaxA
19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy] gSnjkcknA
NATIONAL COOPERATIVE AGRICULTURE & RURAL
DEVELOPMENT BANKS' FEDERATION LTD.
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701, 7dr _§{Oµ b, E - qdJ, ~rEgB©Eb Q oH nmH© ,aoëdo ñQ oeZ Ho gm_Zo, dmer, Zdr _w§~B© - 400 703
Q obr\ moZ (H m`m©b`) : 022-2781 4224 / 426 / 226(E_.S r) : 2781 4114\¡ Šg : 91-22-2781 4225B©-_ob :do~gmB©Q :
www.nafcard.org
701, 7th Floor, BSELTech Park, A Wing,
Opp. Railway Station, Vashi, Navi Mumbai-400703
Telephone (Office): 022-27814114 / 426 / 226
(M.D.): 022 - 27814224
Fax: 91-22-27814225
E-mail:
Website: www.nafcard.org
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