dm{f©H$ 輂VdoXZ 2013-2014 - IIS Windows Server

www.sidbi.in ANNUAL REPORT 2013 - 2014

dm{f©H$ à{VdoXZ 2013-2014

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by

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mb

ai-2

. Tel

.: 4

3667

171

0

10000

20000

30000

40000

50000

60000

70000

1991 2011 2012 2013 2014

5177

46054

5378556060

61271

0

1000

2000

3000

4000

5000

6000

7000

8000

9000

1991 2011 2012 2013 2014

480

59796399

7046

7991

Percent

As at March 31During the year ended March 31

0

1000

2000

3000

4000

5000

6000

7000

1991 2011 2012 2013 2014

425

3867

4607

54015808

36

514 567837

1118

0

20

40

60

80

100

2011 2012 2013 2014

99.72 99.66 99.47 99.55

0.28 0.34 0.53 0.45

HighlightsCëboIZr¶ VÏ¶

Portfolio Sizeg{d^mJ AmH$ma

Net Worth{Zdb gn{Îm

` Crore

` H$amo‹S>

As at March 31

`Wm 31 ‘mM©As at March 31

`Wm 31 ‘mM©

` Crore

` H$amo‹S>

Standard Assets & Net NPAs

‘mZH$ AmpñV`m§ VWm {Zdb J¡a-{ZînmXH$ AmpñV`m§Income & Profit

Am` Ed§ bm^` Crore

` H$amo‹S> à{VeV

`Wm 31 ‘mM©31 ‘mM© H$mo g‘má df© Ho$ Xm¡amZ

Income ProfitAm` bm^

Standard Assets Net NPAs‘mZH$ AmpñV`m§ {Zdb J¡a-{ZînmXH$ AmpñV`m§

SIDBI BRANCH NETWORKHead Office : SIDBI Tower, 15, Ashok Marg, Lucknow – 226001, Uttar Pradesh, India

Tel. : 0522-2288546-50 Fax : 0522-2288455-59 Telegram : LAGHUVIKAS

Regional Office Branch Name

Ahmedabad Ahmedabad, Baroda, Gandhidham, Jamnagar, Morbi,

Rajkot, Surat, Vatva

Bangalore Bangalore, Hosur, Hubli, Mysore, Peenya

Chandigarh Chandigarh, Jalandhar, Jammu, Ludhiana, Shimla

Chennai Ambattur, Chennai, Puducherry

Coimbatore Coimbatore, Erode, Kochi, Madurai, Tirupur, Trichy

Faridabad Faridabad, Gurgaon

Guwahati Agartala, Aizawl, Dimapur, Gangtok, Guwahati, Imphal,

Itanagar, Shillong

Hyderabad Balanagar, Hyderabad, Rajahmundry, Vijayawada,

Visakhapatnam

Indore Bhopal, Bilaspur, Indore, Nagpur, Raipur

Jaipur Alwar, Jaipur, Jodhpur, Kishengarh, Udaipur

Kolkata Bhubaneshwar, Jamshedpur, Kolkata, Patna, Ranchi,

Rourkela

Lucknow Agra, Kanpur, Lucknow, Varanasi

Mumbai Andheri, BKC, Mumbai Metro, Panaji, Thane

New Delhi Bahadurgarh, Dehradun, Ghaziabad, Greater Noida,

Kundli, New Delhi, Noida, Okhla, Rudrapur

Pune Ahmednagar, Aurangabad, Chinchwad, Kolhapur,

Nasik, Pune

i


AÜ`m`

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{ZXoeH$ ‘§S>b

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àJ{V H$s EH$ PbH$

{ZXoeH$m| H$s [anmoQ>©

^maVr¶ bKw CÚmoJ {dH$mg ~¢H$ A{Y{Z¶‘, 1989 H$s Ymam 30 (5) Ho$ AZwgma 31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ g§~§Y ‘| Ho$ÝÐ gaH$ma H$mo OwbmB© 21, 2014 H$mo àñVwV {ZXoeH$ ‘§S>b H$s [anmoQ>© &

1. Am{W©H$ Ed§ gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘-H$m`©{ZînmXZ Ed§ Ñ{ï>H$moU

2. ì`dgm` gå~ÝYr aUZr{VH$ nhbH$X{‘`m± Am¡a g‘J« n[aMmbZ

3. {dÎmr` g‘mdoeZ Ed§ XrK©H$m{bH$ g¨d¥{Õ

4. {gS>~r H$s ghm`Vm H$m à^md

5. à~§YZ Ed§ {ZJ{‘V A{^emgZ

6. {gS>~r H$s ghm`H$ Ed§ gh`moJr g¨ñWmE§

7. VwbZnÌ Ed§ boIm-{ddaU

{gS>~r H$m boImnar{jV VwbZ-nÌ Am¡a bm^-hm{Z ImVm VWm ZH$Xr àdmh {ddaU (AZw~§Y - I)

{gS>~r VWm CgH$s ghm¶H$ d gh¶moJr g§ñWmAm| H$m g‘o{H$V VwbZ-nÌ Am¡a bm^-hm{Z ImVm Ed§ ZH$Xr àdmh {ddaU (AZw~§Y - II)

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^maVr¶ bKw CÚmoJ {dH$mg ~¢H$ A{Y{Z¶‘ 1989 H$s Ymam 30(5) Ho$ àmdYmZm| Ho$ AZwgma ‘¢ {ZåZ{b{IV XñVmdoO

ào{fV H$a ahm hÿ±:

(1) ‘mM© 31, 2014 H$mo g‘mßV df© Ho$ {bE ^maVr¶ bKw CÚmoJ {dH$mg ~¢H$ Ho$ dm{f©H$ boIm| H$s à{V VWm

(2) ‘mM© 31, 2014 H$mo g‘mßV df© Ho$ Xm¡amZ ^maVr¶ bKw CÚmoJ {dH$mg ~¢H$ Ho$ H$m‘H$mO Ho$ ~mao ‘| {ZXoeH$ ‘§S>b

H$s [anmoQ>© H$s à{V

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(31 OwbmB©, 2014 H$mo)

lr A‘aoÝÐ {gÝhm

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lr EZ. Ho$. ‘¡Zr

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lr Oo. M§ÐeoIaZ

gyMZm àm¡Úmo{JH$s aUZr{V g{‘{Vlr ~r. ‘{UdÞZlr EZ. Ho$. ‘¡Zrlr A{Zb AJ«dmblr gwYra goR> (~mø {deofk)

J«mhH$ godm g{‘{Vlr EZ. Ho$. ‘¡Zrlr Oo. M§ÐeoIaZlr A{Zb AJ«dmb

‘mZd g¨gmYZ g¨MmbZ g{‘{Vlr EZ. Ho$. ‘¡Zrlr AmbmoH$ Q>§S>Zlr Oo. M§ÐeoIaZlr gË`mZÝX {‘lS>m. {MÌm amd (~mø {deofk)

dgybr g‘rjm g{‘{Vlr EZ. Ho$. ‘¡Zrlr AmbmoH$ Q>§S>Zlr Eg. Ho$. dr. lr{ZdmgZlr Ama. am‘M§ÐZ

n[aga g{‘{Vlr ~r. ‘{UdÞZlr EZ. Ho$. ‘¡Zrlr gË`mZÝX {‘lmboâQ>rZ|Q> H$Z©b Ama. Eg. Mmoa{S>`m (godm{Zd¥Îm) (~mø {deofk)

nm[al{‘H$ g{‘{Vlr AmbmoH$ Q>§S>Zlr ~r. ‘{UdÞZlr gË`mZÝX {‘l

{ZXoeH$ ‘§S>b H$s g{‘{V¶m±

(31 OwbmB©, 2014 H$mo)

v


{‘eZE‘EgE‘B© H$mo F$U H$s CnbãYVm gw{dYmOZH$ ~ZmZm d gwÑ‹T> H$aZm VWm E‘EgE‘B© nm[apñW{VH$s V§Ì Ho$ {dÎmr` d {dH$mgnaH$, XmoZm| A§Vambm| H$s ny{V© H$aZm &

( ` H$amo‹S> )

{dÎmr¶ df© 1990-91 2010-11 2011-12 2012-13 2013-14

~H$m¶m g§{d^mJ 5176.8 46,053.6 53,785.1 56,059.8 61270.7

¶Wm 31 ‘mM©

{ddaU 1991 2011 2012 2013 2014

ny±Or - àm{YH¥$V 500.0 1,000.0 1,000.0 1,000.0 1,000.0

- àXÎm 450.0 450.0 450.0 450.0 450.0

Ama{j{V¶m± d {Z{Y¶m± 44.9 5,868.4 6,327.9 7,053.3 8,042.3

Hw$b Am¶ (àmdYmZ KQ>mH$a) 425.1 3,442.8 3,870.4 4,557.6 5,186.0

{Zdb bm^ 35.6 513.8 566.9 837.4 1,118.3

eo¶aYmaH$m| H$mo bm^m§e 5.0 112.5 112.5 112.5 112.5

Am¡gV ~H$m¶m g§{d^mJ na à{Vbm^ (%) 0.7 2.0 2.2 2.3 2.7

{Zdb ~H$m¶m g§{d^mJ na ‘mZH$ AmpñV¶m| H$m à{VeV

100 99.72 99.66 99.47 99.55

Omo{I‘ AmpñV¶m| Ho$ à{V ny±Or AZwnmV (%) 13.9 30.6 28.9 28.1 30.8

àJ{V H$s EH$ PbH$

vi


{ZXoeH$m| H$s [anmoQ>©- {dÎmr` df© 2013-14

~¢H$ H$m {ZXoeH$-‘ÊS>b 31 ‘mM© 2014 H$mo g‘má {dÎmr` df© Ho$ {bE AmnHo$ ~¢H$ Ho$ ì`dgm` Ed§ n[aMmbZm| Ho$ gå~ÝY

‘| AnZr [anmoQ>© AmnHo$ g‘j ghf© àñVwV H$a ahm h¡&

AmnHo$ ~¢H$ H$s ñWmnZm g¨gX Ûmam nm[aV A{Y{Z`‘ Ho$ AÝVJ©V 1990 ‘| H$s JB©& `h ^maV Ho$ E‘EgE‘B© joÌ Ho$ g¨dÕ©Z,

{dÎmnmofU Ed§ {dH$mg Ho$ {bE à‘wI {dÎmr` g¨ñWm h¡& `h joÌ Omo {H$ hmb Ho$ dfm] ‘| gwÑ‹T>Vmnyd©H$ {dH$mg H$aVm ahm h¡,

Xoe H$s Am{W©H$ g¨d¥{Õ, CÚ{‘Vm {dH$mg, joÌr` àJ{V, {dÎmr` g‘mdoeZ VWm amoOJma g¥OZ Ho$ ‘m‘bo ‘| AË`{YH$ `moJXmZ

H$aVm h¡& VWm{n, Bg joÌ Ho$ gm‘Zo ~hþV-gr MwZm¡{V`m± r h¢, O¡go- g‘` na n`m©á F$U H$s CnbãYVm H$m A^md, F$U H$s

D$§Mr bmJV, B©p³dQ>r ny±Or VH$ gr{‘V nhþ±M, àmß` am{e`m| Ho$ ^wJVmZ ‘| {db§~, H$ÀMo ‘mb H$s à{VñnYu H$s‘V na IarX,

d¡{œH$ ~mOmam| VH$ nhþ±M H$m A^md, ‘yb^yV gw{dYmAm| H$s An`m©áVm, àm¡Úmo{JH$s AmYw{ZH$sH$aU H$s {ZåZ ñVar`Vm, Am{X&

{gS>~r H$s ì`dgm`-aUZr{V E‘EgE‘B© nm[aV§Ì Ho$ {dÎmr` Ed§ J¡a-{dÎmr` AÝVambm| H$mo âZo H$s {Xem ‘| CÝ‘wI h¡& AmnH$m

~¢H$ {OZ MwqZXm {dÎmr` AÝVambm| H$m g‘mYmZ H$a ahm h¡ do h¢- OmopI‘ ny±Or/B©p³dQ>r ghm`Vm, {Q>H$mD$ {dÎm `mZr D$Om©

XjVm Am¡a ñdÀN> CËnmXZ àm¡Úmo{J{H$`m| H$mo ~‹T>mdm XoZm, ’¡$ŠQ>[a¨J Ed§ [adg© ’¡$ŠQ>[a¨J, godm joÌ {dÎmr`Z Am{X& BZ MwqZXm

joÌm| H$mo {gS>~r Ûmam àXmZ {H$E Om aho àË`j {dÎm go ~¢H$m| Ho$ à`mgm| H$s ny{V©/AZwny{V© hmo ahr h¡, Vm{H$ E‘EgE‘B© H$s

{d{dY F$U-Amdí`H$VmAm| H$mo nyam {H$`m Om gHo$& BgHo$ Abmdm {gS>~r dm{UÁ` ~¢H$m|, amÁ` {dÎmr` {ZJ‘m|, Aën {dÎm

g¨ñWmAm| VWm AÝ` {Q>H$mD$ ‘Ü`d{V©`m| Ho$ ‘mÜ`‘ go E‘EgE‘B© joÌ H$mo AàË`j {dÎm àXmZ H$aVm h¡&

ì`mdgm{`H$ H$m`©-{ZînmXZ

AmnHo$ ~¢H$ H$m Hw$b g¨{dVaU {dÎmr` df© 2012-13 Ho$ 40,520 H$amo‹S> go ~‹T>H$a 2013-14 ‘| 52,191 H$amo‹S> hmo J`m

Am¡a Cg‘| 29% H$s d¥{Õ hþB©& Wm 31 ‘mM© 2014, ~¢H$ H$m ~H$m`m g¨{d^mJ 56,060 H$amo‹S> go 9.3% ~‹T>H$a Bgr Ad{Y ‘|

`61,271 H$amo‹S> hmo J`m& `Wm 31 ‘mM© 2014 g¨M`r g¨{dVaU `3.37 bmI H$amo‹S> ahm, {Oggo 340 bmI go A{YH$

BH$mB`m±/ì`{º$ bm^mpÝdV hþE&

nmoQ>©’$mo{b`mo ‘| g‘J«V… d¥{Õ hmoZo Ho$ H$maU, df© Ho$ Xm¡amZ ~¢H$ H$s Hw$b Am` {nN>bo df© Ho$ `5,401 H$amo‹S> H$s VwbZm ‘|

A{YH$, `mZr `5,808 H$amo‹S> ahr& VËgå~ÝYr Ad{Y ‘| Hw$b ì`` VwbZmË‘H$ ê$n go A{YH$ `mZr `3,646 H$amo‹S> ahm,

O~{H$ {nN>bo df© `h `3,361 H$amo‹S> ahm Wm& df© H$m H$a-nyd© bm^ `1,539 H$amo‹S> ahm, O~{H$ {nN>bo df© `h `1,196

H$amo‹S> Wm& H$a-nümV VWm AmñW{JV H$a-g‘m`moOZ Ho$ ~mX df© H$m {Zdb bm^ 1,118 H$amo‹S> ahm, O~{H$ {nN>bo df© h

`837 H$amo‹S> ahm Wm& AmnHo$ ~¢H$ Zo Bg df© 25% H$m bm^m§e Kmo{fV {H$`m h¡ Am¡a àmaå^ go hr AZdaV bm^m§e ^wJVmZ

H$aVo ahZo H$s naånam Omar aIr h¡&

ì`mdgm{`H$ nhbH$X{‘`m±

AmnH$m ~¢H$ {OZ MwqZXm {dÎmr` AÝVambm| H$m g‘mYmZ Xo ahm h¡, CZ‘| go Hw$N> h¢- OmopI‘ ny±Or/B©p³dQ>r ghm`Vm, {Q>H$mD$

{dÎm, àmß` {dÎm, godm joÌ {dÎmr`Z Am{X& ò E‘EgE‘B© H$s Eogr µOê$aV| h¢, {OZH$s ny{V© Am‘ Vm¡a na ~¢qH$J àUmbr go

Zht hmo nmVr& BgHo$ gmW hr gmW, AmnH$m ~¢H$ Eogo Zò {dÎmr` CËnmXm| H$s nm¡Y-embm Ho$ ê$n ‘| ^r H$m‘ H$aVm h¡, {OZH$mo

AÝVV… ~¢qH$J CÚmoJ H$s ‘w»` Ymam ‘| em{‘b {H$`m Om gH$Vm h¡&

vii


OmopI‘ ny±Or… B©p³dQ>r {ZYr`Z Ho$ AÝVamb H$mo nyam H$aZo Ho$ {bE {gS>~r Zo EH$ {deofkVmnyU© CËnmX Ho$ µO[aE E‘EgE‘B©

H$mo OmopI‘ ny±Or/AY©-B©p³dQ>r àXmZ H$aZm Ama§^ {H$`m, Omo E‘EgE‘B© Ho$ {bE g¨d¥{Õ ny±Or Ed§ B©p³dQ>r ghm`Vm `moOZm

(Ooåg) H$hbmVm h¡& Bg `moOZm Ho$ AÝVJ©V {gS>~r E‘EgE‘B© H$mo B©p³dQ>r, A{Y‘mÝ` ny±Or, AYrZñW F$U, {dH$ënV…

n[adV©Zr` F$U-nÌm|, {dH$ënV… n[adV©Zr` F$U Am{X Ho$ ê$n ‘| OmopI‘ ny±Or ghm`Vm àXmZ H$aVm h¡&

ewê$AmVr MaU Am¡a àmapå^H$ AdñWm dmbo CÚ‘m| H$s {dÎmr`Z gå~ÝYr Ed§ AÝ` Amdí`H$VmAm| H$s ny{V© Ho$ {bE ~¢H$ Zo

"amï´>r` ZdmoÝ‘of {dÎm H$m`©H«$‘' Amaå^ {H$`m h¡& Xoe ‘| ZdmoÝ‘of-{dÎmr`Z Ho$ {bE gj‘VmH$mar dmVmdaU {Z{‘©V H$aZo H$s

{Xem ‘| amï´>r` gh`moJ H$m `h EH$ AZyR>m H$m`©H«$‘ hmoJm&

{Q>H$mD$ {dÎm… E‘EgE‘B© joÌ Ho$ CÚ‘m| H$s g¨d¥{Õ H$mo XrK©H$m{bH$ ê$n go {Q>H$mD$ ~ZmZo H$s Ñ{ï> go D$Om© XjVm VWm

{Q>H$mD$ {dH$mg H$mo ~‹T>mdm XoZo H$s Amdí`H$Vm H$mo XoIVo hþE, {gS>~r Zo E‘EgE‘B© joÌ ‘| {deofrH¥$V F$U CËnmXm| VWm

g¨dÕ©ZnaH$ J{V{d{Y`m| Ho$ µO[aE D$Om© XjVm/ ñdÀN>Va CËnmXZ H$mo ~‹T>mdm XoZo dmbr H$B© nhbH$X{‘`m± H$s h¢&

{gS>~r H$B© ~hþ-njr` EO|{g`m| Ho$ gmW H$s JB© F$U-ì`dñWmAm| Ho$ µO[aE g¨Ho$pÝÐV [a`m`Vr F$U `moOZmE§ n[aMm{bV

H$aVm ahm h¡, O¡go- OmnmZ B§Q>aZoeZb H$moAm°naoeZ EO|gr (OmBH$m), EOoÝgr ’«¡$ÝH$mBOr {S> S>odbn‘|Q> (EE’$S>r) VWm

H«o${S>Q>mÝñQ>mëQ> ’$a drS>a’$~mC (Ho$E’$S>ãë`y)& BZ `moOZmAm| H$m ‘w»` CÔoí` D$Om© XjVm ‘| d¥{Õ H$aZm VWm ^maVr`

E‘EgE‘B© Ûmam H$m~©Z S>mB Am°ŠgmBS> Ho$ CËgO©Z ‘| H$‘r bmZm h¡& E‘EgE‘B© joÌ ‘| ñdÀN>Va CËnmXZ {dH$ënm| ‘| {Zdoe

H$mo ~‹T>mdm XoZo Ho$ {bE {gS>~r Zo Ho$E’$S>ãë`y go 53.74 {‘{b`Z `yamo H$s F$U-ì`dñWm Ho$ {bE g¨{dXm H$s h¡&

àmß` {dÎm… {dbå~ go ^wJVmZ {‘bZm E‘EgE‘B© H$s EH$ Am¡a {MÝVm ahr h¡& E‘EgE‘B© H$mo CZH$s àmß` am{e`m| H$s

erK«Vmnyd©H$ dgybr ‘| ‘XX H$aZo Ho$ CÔoí` go AmnHo$ ~¢H$ Zo àmß` {dÎm `moOZm (AmaE’$Eg) Zm‘H$ `moOZm V¡`ma H$s h¡,

{OgHo$ AÝVJ©V AÀN>o H$m`©-{ZînmXZ dmbr H«o$Vm H§$n{Z`m| Ho$ {bE EŠñnmoOa gr‘mE§ AZw‘mo{XV H$s OmVr h¢ Am¡a {~bm| H$s

^wZmB© H$s OmVr h¡&

{dÎmr` df© 2013-14 Ho$ Xm¡amZ ^maVr` [aµOd© ~¢H$ Zo `5,000 H$amo‹S> H$s EH$ ZB© nwZ{d©Îm gw{dYm àXmZ H$s, Omo 14

Zdå~a 2013 go EH$ df© H$s Ad{Y Ho$ {bE à^mdr h¡& Bg gw{dYm H$m CÔoí` gyú‘ Ed§ ‘Ü`‘ CÚ‘m| H$s àmß` am{e`m| Ho$

à{V àË`j ê$n go VWm MwqZXm ‘Ü`d{V©`m| O¡go ~¢H$m|, J¡a ~¢qH$J {dÎmr` H§$n{Z`m| Am¡a amÁ` {dÎmr` {ZJ‘m| Ho$ ‘mÜ`‘ go

VabVm ghm`Vm àXmZ H$aZm Wm& `h {Xgå~a 2013 go {H«$`mpÝdV H$s JB©& H$m`m©Ýd`Z Ho$ ~mX H$s N>moQ>r-gr Ad{Y ‘| ~¢H$

Zo Bg gw{dYm H$m nyU© Cn`moJ H$a {b`m Am¡a ^maVr` [aµOd© ~¢H$ go `5,000 H$amo‹S> H$s am{e Amh[aV H$a br& Bg gw{dYm

Ho$ AÝVJ©V 31 ‘mM© 2014 VH$ g¨M`r ê$n go 9,718 E‘EgE‘B© H$da {H$E Om MwHo$ Wo, Am¡a g‘ñV ghm`Vm ‘| go 89%

{hñgm gyú‘ Ed§ bKw CÚ‘m| ‘| bJm`m J`m Wm&

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viii


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ix


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df© Hw$b H$m`©aV CÚ‘ (bmI)

amoOJma (bmI)

2006-07 361.76 † 805.23 †

2007-08# 377.37 842.23

2008-09# 393.70 881.14

2009-10# 410.82 922.19

2010-11# 428.77 965.69

2011-12# 447.73 1012.59

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# AZw‘m{ZV

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3


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5


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6


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9


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10


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11


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Zdå~a 2005 ‘| Amaå^ H$s JB©& BgHo$ AÝVJ©V g¨M`r ê$n go 1633 BH$mB`m| Ho$ Hw$b `251.78 H$amo‹S> Ho$ Xmdm| H$m {ZnQ>mZ {H$`m

J`m, {OZ‘| {dÎmr` df© 2013-14 Ho$ Xm¡amZ {ZnQ>mE JE 305 BH$mB`m| Ho$ `44.36 H$amo‹S> Ho$ Xmdo ^r em{‘b h¢& E’$nrQ>âg H$m

Aà¡b 2007 ‘| {dHo$ÝÐrH$aU hþAm& CgHo$ ~mX go BgHo$ AÝVJ©V (82 {H$ñVm| dmbo) 54 àñVmdm| Ho$ à{V `12.71 H$amo‹S> H$s AZwXmZ

ghm`Vm XoZo H$s g¨ñVw{V ‘ÝÌmb` go H$s JB© h¡& BZ‘| go {gS>~r go ghm`Vm-àmá 38 BH$mB`m| H$mo Hw$b `8.96 H$amo‹S> H$s gpãgS>r

Omar H$s Om MwH$s h¡&

12


II OmopI‘ à~ÝYZ

{gS>~r Zo EH$ ì`mnH$ OmopI‘ à~ÝYZ àUmbr H$m`‘ H$s h¡, Omo BgHo$ ì`dgm` VWm AÝ` n[aMmbZm| go CËnÞ hmoZo dmbo {d{^Þ

OmopI‘m| Ho$ à{V g¨doXZerb VWm AZw{H«$`merb h¡& ~¢H$ Ho$ OmopI‘ à~ÝYZ gå~ÝYr VÝÌ ‘| Zr{V`m±, g¨JR>ZmË‘H$ g¨aMZm, àUmbr

VWm nÕ{V`m± h¢, Vm{H$ ~¢H$ Ho$ {d{^Þ OmopI‘m| H$m {ZYm©aU, ‘yë`m§H$Z/ AmH$bZ, e‘Z Am¡a {ZJamZr hmo gHo$& ~¢H$ Zo CÚ‘ OmopI‘

à~ÝYZ (B©AmaE‘) Zr{V ~ZmB© h¡, {OgH$s g‘rjm dm{f©H$ ê$n go H$s OmVr h¡& B©AmaE‘ Zr{V EH$ gd©ì`mnr XñVmdoµO h¡, {Og‘| ~¢H$

Ûmam OmopI‘ à~ÝYZ go gå~pÝYV gm‘mÝ`/gmYmaU Am`m‘m| H$m g‘mdoe h¡& `h ghm`H$ Zr{VJV XñVmdoOm|, O¡go F$U Zr{V, F$U

dgybr Zr{V, {Zdoe Zr{V, AmpñV-Xo`Vm à~ÝYZ (EEbE‘) Zr{V, n[aMmbZJV OmopI‘ à~ÝYZ (AmoAmaE‘), ì`dgm` gmVË`

à~ÝYZ (~rgrE‘) Zr{V, gyMZm àm¡Úmo{JH$s gwajm Zr{V, e{º$`m| Ho$ àË`m`moOZ Am{X go gå~Õ h¡& {d{^Þ Zr{V`m| Ho$ AÝVJ©V g‘m{hV

F$U, {dnUZ Ed§ n[aMmbZJV OmopI‘m| Ho$ Abmdm AÝ` OmopI‘m|, O¡go ~¢qH$J ImVm-~{h`m| ‘| Adeof F$U, F$U g¨Ho$ÝÐU, ã`mO

Xa OmopI‘, {d{YH$, à{Vð>m Am{X gå~ÝYr OmopI‘m| H$m g‘mYmZ AmÝV[aH$ ny±Or n`m©áVm ‘yë`m§H$Z à{H«$`m (AmB©grEEnr) Zr{V ‘|

{H$`m J`m h¡&

~¢H$ Ho$ F$U Ed§ amOH$mofr` n[aMmbZm| go gå~pÝYV OmopI‘m| H$s bJmVma {ZJamZr, ‘yë`m§H$Z Ed§ à~ÝYZ {ZXoeH$ ‘ÊS>b H$s OmopI‘

à~ÝYZ g{‘{V Ho$ g‘J« n`©dojU Ed§ ‘mJ©-Xe©Z ‘| {H$`m OmVm h¡& BZ‘| VwbZ-nÌoVa ‘X| ^r em{‘b h¢& hmbm§{H$ `h ~¢H$ Ho$ {bE

A{Zdm`© Zht h¡, {’$a ^r ~ogb II ‘mZXÊS>m| Ho$ AZwnmbZ Ho$ {bE gÞÕ ahZo Ho$ ñdV…ñ’y$V© Cnm` Ho$ Vm¡a na ~¢H$ Zo EH$sH¥$V

OmopI‘ à~ÝYZ àUmbr AmB©AmaE‘Eg ñWm{nV H$s h¡& Bg‘| F$U OmopI‘ à~ÝYZ grAmaE‘, ~mµOma OmopI‘ à~ÝYZ, AmoAmaE‘

Am¡a AmB©grEEnr em{‘b h¢& ~¢H$ Zo ì`mnH$ n[aMmbZ OmopI‘ ‘yë`m§H$H$ (grAmoAmaB©) àUmbr H$m`m©pÝdV H$s h¡, {Ogo ImoE hþE S>mQ>m

H$mo dmng nmZo, ‘w»` OmopI‘ g¨Ho$VH$ (Ho$AmaAmB©) VWm OmopI‘ Ed§ {Z`ÝÌU ñd-‘yë`m§H$Z (AmagrEgE) Ho$ {bE BñVo‘mb {H$`m

OmVm h¡& ~¢H$ Zo ì`dgm` gmVË` à~ÝYZ (~rgrE‘) Zr{V ^r H$m`m©pÝdV H$s h¡& Bgo AmnXm-H$mb ‘| ‘hÎdnyU© ì`dgm`-n[aMmbZm|

‘| gmVË` gw{Z{üV H$aZo H$s Ñ{ï> go V¡`ma {H$`m J`m h¡& BamXm `h h¡ {H$ ~¢H$ ì`dgm` gmVË` H$s EH$ Eogr aUZr{V d T>m±Mm V¡`ma

H$ao Omo geº$ hmoZo Ho$ gmW-gmW AmKmV ghZo ‘| gj‘ hmo, Vm{H$ ‘hÎdnyU© n[aMmbZm| ‘| éH$mdQ> H$mo à~ÝYZ Ho$ {bE ñdrH$m`©

Ý`yZV‘ ñVa na amoH$m Om gHo$&

III. J¡a-{ZînmXH$ AmpñV à~ÝYZ

~¢H$ H$s AmpñV-JwUdÎmm ‘| g‘J« ê$n go gwYma H$aZo Ho$ CÔoí` go J¡a-{ZînmXH$ AmpñV`m| Ho$ dV©‘mZ ñVa ‘| H$‘r bmZo, Am¡a ImVm|

Ho$ {’$gbH$a J¡a-{ZînmXH$ AmpñV loUr ‘| OmZo go ~MmZo VWm dgybr Ho$ Cn`wº$ gmYZm| H$m g‘w{MV BñVo‘mb H$aHo$ J¡a-{ZînmXH$

AmpñV`m| go A{YH$V‘ dgybr H$aZo H$mo àmW{‘H$Vm Xr OmVr h¡& àË`j Am¡a AàË`j g¨{d^mJ, XmoZm| Ho$ X~mdJ«ñV/MyH$H$Vm© ImVm|

H$s ~¢H$ Ûmam gKZ {ZJamZr H$s Om ahr h¡ Am¡a ‘m‘bm Xa ‘m‘bm `Wmo{MV dgybr-aUZr{V AnZmB© Om ahr h¡& ^maV gaH$ma Ho$

{ZXoemZwgma `3 H$amo‹S> AWdm Cggo A{YH$ Ho$ ‘ybYZ ~H$m`m dmbo J¡a-{ZînmXH$ AmpñV dmbo ‘m‘bm| H$s g‘rjm Ho$ {bE {ZXoeH$-

‘ÊS>b ñVa H$s dgybr g‘rjm g{‘{V' ^r J{R>V H$s JB© h¡&

J¡a-{ZînmXH$ AmpñV ImVm| H$s {ZJamZr Ho$ {bE n[aMmbZ H$m`m©b` ‘| AmÝV[aH$ MyH$ g‘rjm g{‘{V (S>rAmagr) ñWm{nV H$aZo H$s

nÕ{V ^r {ZJamZr H$m H$maJa gmYZ {gÕ hþB© h¡& àmß` am{e`m| H$s dgybr VWm {MÝVmñnX Am¡a/AWdm J¡a-{ZînmXH$ AmpñV Ho$ ê$n

‘| dJuH¥$V ImVm| Ho$ g‘mYmZ Ho$ gå~ÝY ‘| {ZU©` H$aZo Ho$ {bE {d{^Þ n[aMmbZ-H$m`m©b`m| ‘| MyH$ g‘rjm g{‘{V`m| H$s {Z`{‘V

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{dÎmr` df© 2013-14 Ho$ Xm¡amZ àË`j ghm`Vm g¨{d^mJ Ho$ AÝVJ©V J¡a-{ZînmXH$ AmpñV`m| H$m ñVa ({ddoH$mZwgma ~Å>o ImVo

S>mbZo Ho$ ~mX) `Wm 31 ‘mM© 2014 `394 H$amo‹S> ahm& AmË‘mdbmoH$Z Am¡a OmZH$mar Ho$ AmXmZ-àXmZ Ho$ Cnm` Ho$ Vm¡a na ~¢H$ Zo

{’$gbH$a J¡a-{ZînmXH$ AmpñV loUr ‘| nhþ±MZodmbo ZE ImVm| H$s g‘rjm Ho$ {bE ^r EH$ àUmbr {dH${gV H$s h¡, Vm{H$ Cn`w©º$ H$s

13


{d’$bVm Ho$ H$maUm| H$mo g‘Pm Am¡a CZH$m {dûcofU {H$`m Om gHo$& ZE EZnrE ~ZZo Ho$ H$maU ‘w»`V`m CYmaH$Vm©Am| go gå~pÝYV

Wo, O¡go- à~ÝYZ H$s g‘ñ`mE±, à~ÝYZ-Xb H$s AZw^d-hrZVm, l{‘H$m| d ‘µOXyam| H$s g‘ñ`mE§, g‘` A{YH$ bJ OmZm, bmJV

~‹T> OmZm Am{X, VWm ~mhar H$maU O¡go Zr{V`m| ‘| ~Xbmd, {~Obr H$s g‘ñ`m, CÚmoJ ‘| ‘ÝXr, AW©-ì`dñWm ‘| Am‘ ‘ÝXr, n`m©á

H$m`©erb ny±Or H$s H$‘r, ~mOma-e{º$`m| ‘| à{VHy$b n[adV©Z, Am{X& Hw$N> ‘m‘bo OmZ-~yPH$a MyH$ H$aZo/ Xw{d©{Z`moOZ/ {Z{Y`m| Ho$

An`moOZ Ho$ ^r aho&

CYmaH$Vm©Am| H$s VabVm gå~ÝYr g‘ñ`mAm| H$mo Xya H$aZo Ho$ {bE Ohm± Oê$ar nm`m J`m dhm± ~¢H$ Amdí`H$ H$ma©dmB© H$a ahm h¡, {Og‘| (grS>rAma àUmbr VWm {gS>~r H$s `moOZm Ho$ AÝVJ©V) nwZgªaMZm Ho$ Cnm` ^r em{‘b h¢& gmW hr, àË`j F$U g¨{d^mJ Ho$ AÝVJ©V J¡a-{ZînmXH$ AmpñV`m| go ~¢H$ Zo `157.83 H$amo‹S> H$s dgybr ^r H$s h¡, {Og‘| go `36.91 H$amo‹S> {ddoH$mZwgma ~Å>o ImVo S>mbo JE ImVo go gå~pÝYV h¢, {OZH$s dgybr H$s g¨^mdZm {dab AWdm eyÝ` Wr&

AàË`j ghm`Vm g¨{d^mJ (Aën {dÎm g{hV) Ho$ ‘m‘bo ‘| J¡a-{ZînmXH$ AmpñV`m| H$m ñVa ~‹T>H$a 31 ‘mM© 2014 H$mo `732 H$amo‹S>

hmo J`m& amÁ` {dÎmr` {ZJ‘m| H$s J¡a-{ZînmXH$ AmpñV`m| Ho$ gå~ÝY ‘| AnZo {hVm| H$s gwajm Ho$ {bE ~¢H$ H$B© àH$ma Ho$ à`mg H$a ahm

h¡, {Og‘| gå~pÝYV amÁ` gaH$mam| go ~mVMrV ^r em{‘b h¡&

~¢H$ Ho$ {Zdb ~H$m`m Ho$ AZwnmV Z| {Zdb J¡a-{ZînmXH$ AmpñV`m± ‘mM© 2013 ‘| 0.53% Wt& BZ‘| VwbZmË‘H$ gwYma hþAm Am¡a do

‘mM© 2014 Ho$ AÝV ‘| 0.40% aht&

IV. g‘J« n[aMmbZ

`Wm 31 ‘mM© 2014 ~¢H$ H$m Hw$b E‘EgE‘B© ~H$m`m F$U 9.3% ~‹T>H$a `61,271 H$amo‹S> hmo J`m, O~{H$ 2013 ‘| `h 4.2% ~‹T>m

Wm (Vm{bH$m 2.1)& ñWmnZm go boH$a A~ VH$ {gS>~r Zo E‘EgE‘B© joÌ H$mo g¨M`r ê$n go `3.37 bmI H$amo‹S> H$m g¨{dVaU {H$`m

h¡, {Oggo E‘EgE‘B© joÌ Ho$ 340 bmI ì`{º$`m|/BH$mB`m| H$mo bm^ nhþ±Mm h¡&

Vm{bH$m 2.1- g‘J« n[aMmbZ (` H$amo‹S>)

{ddaU{dÎmr` df© 2013 {dÎmr` df© 2014

g¨{dVaU ~H$m`m am{e g¨{dVaU ~H$m`m am{e

AàË`j F$U

H$. nwZ{d©Îm 22,870 37,193 34,255 40,383

I. Aën F$U 323 1,132 651 1,170

J. AÝ` 4,243 5,469 4,672 7,705

Hw$b AàË`j F$U 27,435 43,794 39,578 49,258

àË`j F$U

H$. àË`j F$U Ho$ A§VJ©V gmd{Y F$U

1,557 8,021 3,215 9,144

I. E‘EgE‘B© àmß` {~b 11,528 4,244 9,398 2,869

Hw$b àË`j F$U 13,085 12,265 12,613 12,013

gH$b `moJ 40,520 56,060 52,191 61,271

ZmoQ>:- ~H$m`m am{e Ho$ `o Am§H$‹S>o {ddoH$nyU© ~Å>o ImVo S>mbZo Am¡a J¡a-{ZînmXH$ ApñV g¨~§Yr àmdYmZ H$aZo Ho$ ~mX Ho$ h¢ &

14


AàË`j F$U

{gS>~r Ho$ gH$b F$U ~H$m`m ‘| AàË`j F$U H$m {hñgm 80% h¡& Bg‘| ~¢H$m|, amÁ` {dÎmr` {ZJ‘m| H$mo nwZ{d©Îm ghm`Vm, ~¢H$m| H$mo

{~b nwZ^w©ZmB© ghm`Vm, Aën {dÎm g¨ñWmAm| H$mo ghm`Vm VWm {d{^Þ g¨ñWmAm| d EO|{g`m| H$mo g¨gmYZ ghm`Vm em{‘b h¡& 31

‘mM© 2014 H$mo AàË`j F$U-~H$m`m 12.5% ~‹T>H$a `49,258 H$amo‹S> hmo J`m, O~{H$ 2013 ‘| Bg‘| Ho$db 3% H$s d¥{Õ hþB©

Wr (Vm{bH$m 2.1)&

gyú‘ Ed§ bKw CÚ‘ joÌ hoVw nwZ{d©Îm `moOZm (AmaE‘EgB©-V)

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[aµOd© ~¢H$ Zo E‘EgB© (nwZ{d©Îm) {Z{Y Ho$ AÝVJ©V {gS>~r H$mo `10,000 H$amo‹S> H$s g‘yh {Z{Y Amd§{Q>V H$s& Amd§{Q>V H$s JB©

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~¢H$ Zo `h eV© aIr {H$ {gS>~r `h gw{Z{üV H$ao {H$ nwZ{d©Îm Ho$db Eogo ‘m‘bm| ‘| àXmZ {H$`m OmE Ohm± ~¢H$m| Ûmam ApÝV‘ CYmaH$Vm©

go br OmZodmbr ã`mO-Xa Cn`wº$ hmo, `mZr nwZ{d©Îm boZodmbo ~¢H$m| H$s AmYma Xa go A{YH$ Z hmo& {gS>~r H$mo `h ^r gw{Z{üV H$aZm

Wm {H$ amÁ` {dÎmr` {ZJ‘m|/AÝ` Ûmam ApÝV‘ CYmaH$Vm©Am| go à^m[aV ã`mO Xa {gS>~r Ûmam CZgo br JB© ã`mO-Xa go Xmo à{VeV

go A{YH$ Z hmo& My§{H$ BZ Amdí`H$VmAm| H$s eVm] Ho$ {bE n`m©á g¨»`m dmbo ‘m‘bo CnbãY Zht Wo, `10,000 H$amo‹S> H$s g‘yh

{Z{Y H$m g‘rjmYrZ df© Ho$ Xm¡amZ nyU© Cn`moJ Zht hmo gH$m&

Aën {dÎm

{gS>~r Ho$ Aën {dÎm à`mgm| Ho$ AÝVJ©V 31 ‘mM© 2014 VH$ ñdrH¥$V g¨M`r ghm`Vm `9,308.01 H$amo‹S> Wr, O~{H$ Hw$b g¨M`r

g¨{dVaU `8,121.57 H$amo‹S> ahm& Bg‘| F$U, B©p³dQ>r Ed§ AY©-B©p³dQ>r em{‘b h¢, {H$ÝVw BpÊS>`m ‘mBH«$mo’$m`ZoÝg B©p³dQ>r ’$ÊS>

(AmB©E’$B©E’$) VWm nwAaoñQ> ñQ>oQ> BÝŠby{gd J«moW (nrEgAmB©Or) em{‘b Zht h¡& ~¢H$ Ho$ Aën F$U H$m ~H$m`m g¨{d^mJ 31 ‘mM©

2014 H$mo `1,924.00 H$amo‹S> Wm& {gS>~r go ghm`Vm-àmá Am¡a ~¢H$ Ho$ ~H$m`m F$U dmbr Aën {dÎm g¨ñWmAm| H$s g¨»`m 31 ‘mM©

2014 H$mo 84 Wr& {gS>~r Ho$ ‘mÜ`‘ go àXÎm ghm`Vm go bJ^J 326 bmI Cno{jV bmoJm| H$mo bm^ hþAm h¡, {OZ‘| go A{YH$Va

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Vm{bH$m 2.2 : Aën F$U `moOZm VWm B©p³dQ>r/AY© B©p³dQ>r ghm`Vm Ho$ AÝVJ©V ghm`Vm

(` H$amo‹S>)

H«$‘m§H$ {ddaU{dÎmr` df© 2012-13 {dÎmr` df© 2013-14 g¨M`r

g¨{dVaU ~H$m`m g¨{dVaU ~H$m`m g¨{dVaU

1 Aën {dÎm g¨ñWmAm| H$mo gmd{Y F$U 335.02 1,222.22 581.00 1,276.31 7,693.58

2 {ZOr {dÎm g¨ñWmAm|/ J¡a ~¢qH$J {dÎmr` H§$n{Z`m| H$mo "Ny>Q> JE ‘Ü`-KQ>H$' ghm`Vm

50.00 50.00 33.00 75.29 136.14

3 E‘B©Eb-àË`j CYma 0.04 3.54 0.00 1.42 12.25

4 ê$nmÝVaU F$U (Q>rEb)/ ê$nmÝVaU Ho$ {bE g‘yh-{Z{Y ghm`Vm

0.00 1.85 0.00 1.85 19.05

15


5 AYrZñW F$U 0.00 100.00 0.00 100.00 175.00

6 B©p³dQ>r ghm`Vm 0.00 86.48 0.00 84.89 85.55

7 {dH$ënV… n[adV©Zr` g¨M`r A{Y‘mÝ` eoà 0.00 287.63 0.00 275.04 0.00

8 A{Zdm`©V… n[adV©Zr` A{Y‘mÝ` eoà 0.00 109.20 0.00 109.20 0.00

`moJ 385.06 1,860.92 614.00 1,924.00 8,121.57

^maV Aën-{dÎm B©p³dQ>r {Z{Y

Ho$ÝÐr` ~OQ> 2011-12 ‘| H$s JB© KmofUm Ho$ CnamÝV ^maV Aën-{dÎm B©p³dQ>r {Z{Y (AmB©E‘B©E’$) H$s ñWmnZm H$s JB©& BgH$m

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AÝVJ©V `92.25 H$amo‹S> ~H$m`m Wm (Vm{bH$m 2.3)&

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`moOZm {dÎmr` df© 2013 {dÎmr` df© 2014

g¨{dVaU ~H$m`m g¨{dVaU ~H$m`m

AYrZñW F$U 44.50 44.50 3.00 47.50

B©p³dQ>r 8.25 8.25 3.00 11.25

AmogrnrEg 20.50 20.50 13.00 33.50

`moJ 73.25 73.25 19.00 92.25

~¢H$ Zo {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ H$m`©H«$‘ ({S>nmQ>©‘oÊQ> Am°’$ BÊQ>aZoeZb S>odbn‘oÊQ>) Ho$ AÝVJ©V ^r ghm`Vm àXmZ H$s&

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17


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21


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^maV gaH$ma Zo g¨{d^mJ OmopI‘ {Z{Y (nrAmaE’$) `moOZm Ho$ A§VJ©V `150 H$amo‹S> H$s ghm`Vm H$s à{V~ÕVm H$s h¡& ~¢H$ Cº$ {Z{Y H$m Cn`moJ Aën F$U moOZm Ho$ A§VJ©V Aën{dÎm g¨ñWmAm| go Ano{jV à{V^y{V gwajm Ho$ à{V gmd{Y F$U Ho$ 7.5% {hñgo (gm‘mÝ` 10% H$s Anojm Ho$ ñWmZ na) H$s ny{V© Ho$ {bE H$a ahm h¡& `h `moOZm ‘ybV: g‘J« Xoe Ho$ {bE bmJy H$s JB© Wr, qH$Vw A~ Bgo 01 OwbmB©, 2008 go Aëngo{dV amÁ`m| Am¡a AÝ` amÁ`m| Ho$ Aëngo{dV BbmµH$m| / {µObm| Ho$ {bE (AZwgy{MV Om{V, AZwgy{MV OZOm{V, Aëng¨»`H$, AÝ` {nN>‹S>m dJ© VWm ‘{hbmAm| na {deof ~b Ho$ gmW) bmJy {H$`m J`m h¡& g¨{d^mJ OmopI‘ {Z{Y H$s g‘yh-{Z{Y {dÎm df© 2007 go 5 df© H$s Ad{Y Ho$ {bE CnbãY Wr VWm BgH$m bú` Xoe ^a ‘| 50 bmI bm^m{W©`m| H$mo Bg‘| em{‘b H$aZm Wm&

g¨M`r ê$n go, `Wm 31 ‘mM©, 2014 H$mo, g¨{d^mJ OmopI‘ {Z{Y Ho$ A§VJ©V nmÌ Aën{dÎm g¨ñWmAm| H$mo g¨{dV[aV F$U `2,059.16 H$amo‹S> ahm VWm g¨{d^mJ OmopI‘ {Z{Y ‘| go `154.44 H$amo‹S> H$s am{e (nmÌ F$U g¨{dVaU H$s 7.5% am{e) H$m Cn`moJ {H$`m J`m& 31 ‘mM©, 2014 VH$, ^maV gaH$ma Zo `32.92 H$amo‹S> H$s ã`mO am{e O‘m H$aZo Ho$ gmW-gmW, g¨{d^mJ OmopI‘ {Z{Y Ho$ A§VJ©V `116.10 H$amo‹S> H$s am{e Omar H$s h¡& df© Ho$ Xm¡amZ, ^maV gaH$ma Zo {gS>~r H$mo `57.72 H$amo‹S> én`o H$s Cg am{e H$m nwZ: Cn`moJ H$aZo H$s AZw‘{V Xr h¡, Omo {dJV ‘| g¨{d^mJ OmopI‘ {Z{Y Ho$ A§VJ©V {XE JE F$Um| H$s nyU© MwH$m¡Vr ‘| go CnbãY hþB© h¡&

^maV Aën{dÎm B©p³dQ>r {Z{Y

^maV gaH$ma Zo 2011-12 Ho$ Ho$ÝÐr` ~OQ> ‘| `100 H$amo‹S> g‘yh-{Z{Y Ho$ gmW ^maV Aën{dÎm B©p³dQ>r {Z{Y H$s ñWmnZm H$s KmofUm H$s, {OgH$m à~§Y {gS>~r H$mo H$aZm h¡& Bg {Z{Y H$m CÔoí`, bKwVa Aën{dÎm g¨ñWmAm| H$mo B©p³dQ>r VWm AÕ©-B©p³dQ>r àXmZ H$aZm h¡, Vm{H$ CÝh| AnZo n[aMmbZm| ‘| d¥{Õ ~ZmE aIZo VWm CÝh| ~‹S>o n¡‘mZo na bo OmZo Am¡a CZ‘| XjVm àmá H$aZo ‘| ‘XX {‘b gHo$& VËnümV, {dÎmdf© 2013-14 Ho$ ~µOQ> ‘|, {dÎm‘§Ìr Zo bú`JV Aën{dÎm g¨ñWmAm| Ho$ {ZYr`Z Ho$ {bE `200 H$amo‹S> H$s A{V[aº$ am{e H$s KmofUm H$s&

‘mM©, 2014 H$s g‘m{á VH$, ~¢H$ Zo Bg `moOZm Ho$ A§VJ©V 45 Aën{dÎm g¨ñWmAm| H$mo 126.75 H$amo‹S> H$s am{e H$s à{V~ÕVm Xr h¡& dV©‘mZ ‘|, maV Aën{dÎm B©p³dQ>r {Z{Y Ho$ A§VJ©V ghm`Vmàmá Aën{dÎm g¨ñWmAm| H$mo g¨{dVaU H$m H$m`© à{H«$`mYrZ h¡& O¡go hr Aën{dÎm g¨ñWmE± Amdí`H$ Am¡nMm[aH$VmE±, XñVmdoµOrH$aU VWm g¨{dVaU-nyd© /{Zdoe-nyd© eVm] H$m AZwnmbZ nyam H$a|Jr, d¡go hr g¨{dVaU H$m H$m`© g¨nÞ {H$`m OmEJm& 31 ‘mM©, 2014 VH$ Cº$ à{V~Õ am{e ‘| go `92.25 H$amo‹S> H$s am{e g¨{dV[aV H$s JB© h¡& B© S>r AmB© H$m 14dm§ Xrjm§V g‘mamoh H$m¶©H«$‘

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A§VaamîQ´r` gh`moJ• ~¢H$ Zo ^maV ‘| Aën{dÎm g¨ñWmAm| Ho$ ‘mÜ`‘ go {ZY©Zm|, {deofH$a ‘{hbmAm| H$s {dÎm VH$ nhþ±M ~ohVa ~ZmZo Ho$ {bE 850

bmI `yamo H$s F$U ghm`Vm Am¡a 16.9 bmI `yamo Ho$ {dÎmr` `moJXmZ hoVw H«o${S>Q>m§ñQ>mëQ> µ’$a drS>am°µ’$~mC (Ho$ Eµ’$ S>ãë`y Ho$), O‘©Zr Ho$ gmW H$ama na hñVmja {H$E&

• ~¢H$ Zo 500 bmI A‘o[aH$s S>m°ba H$s F$U ghm`Vm Ho$ {bE E{e`mB© {dH$mg ~¢H$ (ES>r~r) Ho$ gmW H$ama {H$`m h¡& `h H$ama {gS>~r H$mo XrKm©d{Y {Z{Y`m± CnbãY H$amEJm, {OZgo {gS>~r {d{e{ï> {dÎmnmofU H$m`©H«$‘m| Ho$ ‘mÜ`‘ go ‘hÎdnyU© Ny>Q>o hþE ‘Ü`dVu CÚ‘m|' H$mo ghm`Vm àXmZ H$aoJm& Bg n[a`moOZm Ho$ AYrZ ‘Ü` àXoe, ‘hmamï´>, Amo{S>em, amOñWmZ Am¡a CÎma àXoe amÁ` em{‘b {H$E JE h¢ VWm BgH$m bú` M`{ZV amÁ`m| ‘| {ZåZ Am` dJ© H$s ‘{hbmAm| Ho$ {bE {dÎmr` gmjaVm Ed§ AÝ` ghm`H$ Cnm` ñWm{nV H$aZm h¡&

• Aën F$U g¨{d^mJ ‘| d¥{Õ H$aZo Ho$ à`moOZ go, {gS>~r Zo {dœ ~¢H$ go 3,000 bmI A‘o[aH$s S>m°ba Ho$ F$U Ho$ {bE g¨{dXm H$s h¡, {Og‘| B§Q>aZoeZb ~¢H$ µ’$m°a [aH§$ñQ´ŠeZ E§S> S>odbn‘|Q> (AmB©~rAmaS>r) go 2,000 bmI A‘o[aH$s S>m°ba VWm B§Q>aZoeZb S>odbn‘oÝQ> Egmo{gEeZ (AmB©S>rE) go 1,000 bmI A‘o[aH$s S>m°ba Ho$ g‘Vwë` EgS>rAma em{‘b h¡& XrK©H$m{bH$ VWm CÎmaXm`r Aën {dÎm ‘| d¥{Õ Zm‘H$ Bg n[a`moOZm H$m CÔoí` AÝ` Ho$ gmW-gmW, ZdmoÝ‘ofr {dÎmr` CËnmXm| H$s ewê$AmV H$a Ed§ nmaX{e©Vm d CÎmaXm{`Ëd nyU© {dÎmnmofU H$mo ~‹T>mdm XoH$a, {deofH$a Xoe Ho$ Aëngo{dV joÌm| Ho$ J«mhH$m| H$mo XrK©H$m{bH$ Aën{dÎm godmAm| H$s CnbãYVm ‘| d¥{Õ H$aZm h¡&

• ~¢H$ Zo maV ‘| E‘EgE‘B© joÌ Ho$ "Nw>Q>o hþE ‘Ü¶ KQ>H$m|' (`50,000 go 10 bmI VH$ H$m F$U) H$mo ghm`Vm {XE OmZo Ho$ {bE 1,000 bmI `yamo H$s F$U ghm`Vm Am¡a 5 bmI `yamo Ho$ {dÎmr` `moJXmZ Ho$ {bE H«o${S>Q>mñQ>mëQ> µ’$a drS>am°µ’$~mC (Ho$Eµ’$S>ãë¶yy), O‘©Zr Ho$ gmW EH$ AÝ` H$ama na hñVmja {H$E h¢&

g¨dÕ©Z Ed§ {dH$mgnaH$ J{V{d{Y`m±{gS>~r Zo AnZo ZE ì`dgm` ‘m°S>b Ho$ {hñgo Ho$ ê$n ‘|, "F$U go A{YH$' Ñ{ï>H$moU AnZm`m h¡ Am¡a gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘m| H$mo {d{^Þ g¨dÕ©Zerb Ed§ {dH$mgnaH$ gh`moJ CnbãY H$amE± h¢, {OZH$m ‘w»` CÔoí` gyú‘, bKw Ed§ ‘Ü‘ CÚ‘m| H$s j‘Vm H$m {Z‘m©U H$aZm h¡& ~¢H$ H$s {d{^Þ g¨dÕ©Zerb Ed§ {dH$mgnaH$ J{V{d{Y`m| H$m {ddaU ZrMo {X`m J`m h¡ :

i. F$U nam‘e© H|$Ð : F$U àmá H$aZo ‘| gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘m| Ûmam AZw d H$s Om ahr {d{^Þ MwZm¡{V`m| Ho$ g‘mYmZ Ho$ {bE {gS>~r Zo F$U gbmh Ho$ÝÐ ñWm{nV {H$E h¢ Omo dm{UÁ` ~¢H$m| H$s `moOZmAm|, gaH$mar gpãg{S>`m|/bm^m| H$s CnbãYVm Ho$ ~mao ‘| ZE/‘m¡OyXm CÚ{‘`m| H$m ‘mJ©Xe©Z H$aVo h¢, CYmaH$Vm©Am| H$mo F$U-nam‘e© XoVo h¢, ~¢H$m| Ûmam H$s JB© nyN>VmN> H$m CÎma XoVo h¢& o F$U gbmh Ho$ÝÐ CÚmoJ gKm| H$s gmPoXmar ‘| Xoe ^a Ho$ 306 ŠbñQ>am| ‘| H$m ©aV h¢& H$da {H$E Om aho ŠbñQ>am| H$s g»`m H$mbmÝVa ‘| ~‹T>mB© OmEJr& F$U gbmh Ho$ÝÐm| ‘| ~¡R>Zo Ho$ {bE {gS>~r Zo kmZ gh^m{J`m| H$s {Z w{º$ H$s h¡, Omo godm-{Zd¥Îm ~¢H$ A{YH$mar h¢ Am¡a Bg CÔoí` Ho$ {bE Cn wº$ à{ejU àmá h¢& A^r VH$ F$U gbmh Ho$ÝÐm| go 8,200 go A{YH$ E‘EgE‘B© bm^mpÝdV hmo MwHo$ h¢&

ii. F$U g‘yhZ godmE± : {gS>~r Zo F$U g‘yhZ godmE§ Bg CÔoí` go Amaå^ H$s h¢ {H$ ~¢H$m|, aoqQ>J EO|{g`m| VWm ‘mÝ`Vm-àmá nam‘e©XmVmAm| H$s ^mJrXmar go EH$ nm[aV§Ì ñWm{nV {H$`m OmE, Vm{H$ ghm`VmW© {dMma Ho$ {bE ~¢H$m|/ {dÎmr` gñWmAm| ‘| àñVwV {H$E OmZo Ho$ CÔoí` go gnyU©, aoqQ>J wº$ Am¡a d¡YrH¥$V àñVmd V¡ ma H$aHo$ E‘EgE‘B© H$mo g‘` go n`m©á F$U H$s CnbãYVm gw{Z{üV H$s Om gHo$& {dÎmr` df© 2014 Ho$ Xm¡amZ F$U g‘yhZ godmE§ Zo {gS>~r VWm g‘Pm¡Vm kmnZ dmbo ~¢H$m| H$mo A~ VH$ 160 go A{YH$ àñVmd ào{fV {H$E&

iii. `wdm CÚ{‘`m| H$mo àmoËgmhZ - ñ‘mb~r.BZ : {gS>~r Zo www.smallB.in do~gmBQ> àma§^ H$s h¡, Omo H$s g¨^m{dV/CXr`‘mZ Am¡a `hm± VH$ {H$ dV©‘mZ CÚ{‘`m| Ho$ {bE ^r EH$ gË`m^mgr ‘|Q>a VWm ghm`H$ ‘§M h¡, Vm{H$ ZB© BH$mB`m± ñWm{nV hmo gH|$ Am¡a ‘m¡OyXm BH$mB`m| H$m {dH$mg hmo gHo$& `h do~gmBQ> H$m’$s ì`mnH$ h¡, {Og‘| {d{^Þ Am`m‘ g‘m{dï> h¢, O¡go- ì`dgm` Ho$ Adgam| Ho$ {bE ‘mJ©Xe©Z, ì`mdgm{`H$ g¨JR>Zm| Ho$ {d{^Þ ê$nm|, {d{Y H$s ~w{Z`mXr ~mVm| H$mo g‘PZm, ì`dgm`-`moOZm V¡`ma H$aZm, ~¢H$m|/{dÎmr` g¨ñWmAm| go F$U àmá H$aZo Ho$ {bE {d{^Þ Amdí`H$VmAm| H$mo g‘PZm, Zr{V`m| d {d{Z`‘m|, Ho$ÝÐ Ed§ amÁ` gaH$mam| Ûmam CnbãY `moOZmAm| Ed§ àmoËgmhZm| H$mo OmZZm Am{X& Bg àH$ma `h do~gmBQ> g¨^m{dV `wdm CXr`‘mZ CÚ{‘`m|/ì`{º$`m| H$mo AnZo ì`dgm` Amaå^ H$aZo ‘| Am ahr {hMH$ H$mo Xya H$aVr h¡ Am¡a amoOJma-àm{á Ho$ d¡H$pënH$ gmYZ Ho$ ê$n ‘| CÚ{‘Vm H$mo ~‹T>mdm XoVr h¡&

23


iv. joÌr` J«m‘rU ~¢H$m| /ehar ghH$mar ~¢H$m| / {Obm ghH$mar ~¢H$m| H$m j‘Vm {Z‘m©U : J«m‘rU /AÕ©-ehar Ed§ XyaXamO Ho$ BbmH$m| go g‘rnVm Am¡a CZ‘| CnpñW{V Ho$ H$maU gyú‘ Ed§ bKw CÚ‘m| H$mo F$U CnbãY H$amZo ‘| joÌr` J«m‘rU ~¢H$m| H$s y{‘H$m AË`§V ‘hÎdnyU© h¡& {gS>~r Zo BZ g¨ñWmAm| H$mo CZH$s j‘Vm Ho$ {Z‘m©U Ho$ {bE ghm`Vm CnbãY H$amZm ewê$ {H$`m h¡, Vm{H$ gyú‘ CÚ‘m| H$mo A{YH$m{YH$ F$U CnbãY hmo gHo$& A~ VH$ 4 gwJ«m{hVm H$m`©H«$‘ Am`mo{OV {H$E JE h¢, {OZ‘| 27 jo.J«m.~¢H$m| Am¡a 10 e.g.~¢H$m| H$mo em{‘b {H$`m J`m& H$m`©H«$‘ ‘| {XImB© JB© é{M Ho$ AmYma na, 27 jo.J«m.~¢H$m| Am¡a 10 e.g.~¢H$m| Ho$ gmW g‘Pm¡Vm kmnZ na hñVmja {H$E JE h¢& Hw$N> ~¢H$m| ‘| à{ejU g¨~§Yr µOê$aVm| Ho$ {dñV¥V {dûcofU Ho$ ~mX, EH$ 2 {Xdgr` à{ejU ‘m°S>çyb {dH${gV H$a, CgH$m àm`mo{JH$ narjU {H$`m J`m h¡& à{ejU ‘m°S>çyb Ho$ AmYma na, ""à{ejH$ à{ejU'' H$m`©H«$‘m| H$m Am`moOZ {H$`m J`m h¡, {OZgo 40 jo.J«m.~¢H$m| /e.g.~¢H$m| Ho$ bJ^J 350 A{YH$mar bm^mpÝdV hþE&

v. J«m‘rU CÚmoJrH$aU : gyú‘ CÚ‘ g¨dÕ©Z H$m`©H«$‘ H$m bú` AÕ©-ehar /J«m‘rU ^maV ‘| ì`dhm`© gyú‘ CÚ‘m| H$mo ~‹T>mdm XoZm h¡, Vm{H$ BZ joÌm| ‘| amoµOJma g¥OZ {H$`m Om gHo$ Am¡a Bg CÔoí` H$s ny{V© Ho$ {bE H$m`©H«$‘ Ho$ AYrZ M`{ZV H$m`m©Ýd`Z EOopÝg`m| Ho$ ‘mÜ`‘ go {dñV¥V CÚ‘ gh`moJ godmE± CnbãY H$amB© OmVr h¢& `h H$m`©H«$‘ gyú‘ CÚ‘m| H$s ñWmnZm Ho$ {bE, CÚ{‘`m| H$s nhMmZ H$aZo, CÝh| àmoËgm{hV H$aZo VWm CZH$m ‘mJ©Xe©Z H$aZo ‘| ‘XX H$aVm h¡& `Wm 31 ‘mM©, 2014 VH$, gyú‘ CÚ‘ g¨dÕ©Z H$m`©H«$‘ 24 amÁ`m| Ho$ 121 {µObm| ‘| H$m`m©pÝdV {H$`m J`m h¡& Mmby df© Ho$ Xm¡amZ 1000 CÚ‘m| g{hV, g¨M`r ê$n ‘|, bJ^J 41,000 CÚ‘ g¨d{Õ©V {H$E JE h¢&

vi. CÚ{‘Vm {dH$mg H$m¶©H«$‘ (B© S>r nr) : ~¢H$ {deof ê$n go Xya-XamµO Ed§ J«m‘rU joÌm| ‘| ‘{hbmAm|, Aëng¨»`H$m| VWm AZwgy{MV Om{V d OZOm{V O¡go g‘mO Ho$ H$‘ {deofm{YH$ma-àmá dJm] ‘| g~b CÚ{‘`m| H$s loUr (H¡$S>a) V¡`ma H$aZo VWm amoµOJma Ho$ Adga n¡Xm H$aZo ‘| gj‘ ñdamoµOJma CÚ‘m| Ho$ g¨dÕ©Z Ho$ gmW-gmW, ~‹S>r g¨»`m ‘| CÚ‘r V¡`ma H$aZo Am¡a CÝh| {dH${gV H$aZo Ho$ CÔoí` go CÚ{‘Vm {dH$mg H$m`©H«$‘m| H$mo ghm`Vm àXmZ H$aVm h¡& ~¢H$ Zo Ama§^ go 31 ‘mM©, 2014 VH$, {d{^Þ bú`-g‘yhm| Ho$ {bE Hw$b 3028 CÚ{‘Vm {dH$mg H$m`©H«$‘m| Ho$ {bE ghm`Vm àXmZ H$s h¡, {OZgo 75,000 go A{YH$ à{V^mJr bm^mpÝdV hþE& ~¢H$ go ghm`Vmàmá CÚ{‘Vm {dH$mg H$m`©H«$‘m| H$s g’$bVm Xa 50% go 55% Ho$ ~rM ahr h¡& g¨M`r ê$n ‘|, bJ^J 38,000 à{V^m{J`m| Zo Bg joÌ ‘| `m Vmo AnZr BH$mB`m± ñWm{nV H$s h¢ `m bm^àX amoµOJma àmá {H$`m h¡&

vii. H$m¡eb {dH$mg : E‘EgE‘B© CÚ{‘`m| H$s VH$ZrH$s Ed§ à~§YH$s` j‘VmAm| H$mo gwÑ‹T> H$aZo H$s Ñ{ï> go, ~¢H$ à{V{ð>V à~§Y/àm¡Úmo{JH$s gñWmZm| H$mo ghm`Vm àXmZ H$aVm h¡, Vm{H$ do H${Vn` ga{MV à~§Y/H$m¡eb {dH$mg H$m ©H«$‘, O¡go-H$m¡eb-gh-àm¡Úmo{JH$s CÞ`Z H$m ©H«$‘ (ñQw>n) VWm bKw CÚmoJ à~§Y ghm`H$ H$m ©H«$‘ ({g‘¡n) gMm{bV H$a gH|$& ~¢H$ Zo Ama§ go 31 ‘mM©, 2014 VH$, 1532 ñQw>n VWm 300 {g‘¡n H$m ©H«$‘m| Ho$ {bE ghm`Vm àXmZ H$s, {OZgo 41,000 go A{YH$ à{V^mJr bm^mpÝdV hþE&

viii. CÚ‘-g‘yhm| H$m {dH$mg : {gS>~r Zo nyao ^maV ‘| {d{^Þ CÚ‘-g‘yhm| Ho$ {bE 85 go A{YH$ CÚ‘-g‘yh {dH$mg H$m`©H«$‘m| H$mo ghm`Vm àXmZ H$s h¡& {nN>bo Hw$N> dfm] ‘| ~¢H$ Ho$ CÚ‘-g‘yh {dH$mg H$m`©H«$‘ ‘| Omo Ðï>ì` n[adV©Z hþAm h¡, dh ‘yb ê$n go àm¡Úmo{JH$s-CÝ‘wI H$m`©H«$‘ Ho$ ñWmZ na A{YH$ {dñV¥V CÚ‘-g‘yh Ñ{ï>H$moU H$m AnZm`m OmZm h¡, {Og‘| à~§YH$s` nÕ{V`m±, ~mµOma g¨~§Yr ì`dñWmAm| H$s ñWmnZm, CËnmX /{S>µOmBZ {dH$mg, {d{^Þ VH$ZrH$s ì`mnmam| ‘| H$m¡eb CÞ`Z, Am{X em{‘b h¢&

ix. Aëng¨»`H$ dJm] H$m {dH$mg : gÀMa g{‘{V H$s {g’$m[aem| Ho$ AZwê$n, emIm H$m`m©b`m| H$mo gy{MV {H$`m J`m h¡ {H$ {d{^Þ g¨dÕ©Zerb Ed§ {dH$mgnaH$ J{V{d{Y`m| Ho$ A§VJ©V Aëng¨»`H$ g‘wXm`m| go A{YH$V‘ g¨»`m ‘| à{V^mJr em{‘b {H$E OmE±& {~hma Ho$ {H$eZJ§O {µObo ‘| gyú‘ CÚ‘ {dH$mg H$m`©H«$‘ {H«$`mÝd`ZmYrZ h¡, {Ogo gaH$ma Zo Aëng¨»¶H$ H|${ÐV {µObm A{Ygy{MV {H$`m h¡& Bg {µObo ‘| df© Ho$ Xm¡amZ bJ^J 160 BH$mB`m± ñWm{nV H$s JBª& g¨M`r ê$n go, {d{^Þ {dH$mgnaH$ J{V{d{Y`m| go Aëng¨»`H$ g‘wXm` Ho$ bJ^J 6,200 ì`{º$ àË`jV: bm^mpÝdV hþE h¢&

x. ZdmoÝ‘of Am¡a g¨nmofU H$mo ~‹T>mdm : Xoe ^a ‘| µO‘rZr ñVa H$s ZdmoÝ‘ofr J{V{d{Y`m| H$m nVm bJmZo Am¡a CÝh| dm{UpÁ`H$ ñdê$n àXmZ H$aZo H$s Ñ{ï> go, {gS>~r Zo 10 df© H$s Ad{Y Ho$ {bE AË`§V bKw CÚ‘ ZdmoÝ‘of {Z{Y ñWm{nV H$aZo Ho$ {bE 2003 ‘| amï´>r` ZdmoÝ‘of H$mof, Ah‘Xm~mX H$mo g‘yh-{Z{Y Ho$ ê$n ‘| `400 bmI VWm àemg{ZH$ AZwXmZ Ho$ ê$n ‘| `100 bmI H$s ghm`Vm Xr h¡& Cº$ {Z{Y Zo 31 ‘mM©, 2014 VH$ 194 ZdmoÝ‘of Ho$ {bE ghm`Vm Xr h¡&

BgHo$ Abmdm, g’$b CÚ{‘`m| H$mo ~‹T>mdm XoZo VWm bKw CÚ‘m| Ho$ kmZ d àm¡Úmo{JH$s AmYm[aV joÌm| ‘| CÚmoJ {dH${gV H$aZo H$s Ñ{ï> go, ~¢H$ Zo 2002 ‘| ^maVr` àm¡Úmo{JH$s g¨ñWmZ, H$mZnwa ‘| {gS>~r ZdmoÝ‘of Ed§ g¨nmofU H|$Ð H$s ñWmnZm Ho$ {bE ghm`Vm Xr Wr& {gS>~r ZdmoÝ‘of Ed§ g¨nmofU H|$Ð Zo A~ VH$ ZdrZV‘ àm¡Úmo{J{H$`m| dmbo {d{^Þ joÌm| ‘| 48 Zdma§^ CÚ‘m| H$m g¨dÕ©Z {H$`m h¡, {OZ‘| go 22 CÚ‘ g’$bVmnyd©H$ {ZH$b MwHo$ h¢& Bg H|$Ð H$mo amï´>r` {dkmZ Ed§ àm¡Úmo{JH$s CÚ{‘Vm {dH$mg ~moS>©, {dkmZ Ed§ àm¡Úmo{JH$s {d^mJ Zo df© 2011 Ho$ {bE amï´>r` àm¡Úmo{JH$s ì`dgm` g¨dÕ©H$ nwañH$ma àXmZ {H$`m h¡&

24


xi. {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ (nrEgAmB©Or)

{gS>~r {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ H$m`©H«$‘ H$m {H«$`mÝd`Z H$a ahm h¡& `h gmV dfu` H$m`©H«$‘ h¡ Am¡a BgH$m bú` {ZåZ Am` dmbo 4 amÁ`m| ({~hma, Amo{S>em, ‘Ü` àXoe Am¡a CÎma àXoe) ‘| {ZY©Z ‘{hbmAm| Ed§ nwéfm| Ho$ {bE Am` VWm amoµOJma Ho$ Adgam| ‘| d¥{Õ H$aZm h¡& `h bú` CÝh| ì`mnH$ Am{W©H$ g¨d¥{Õ ‘| ^mJrXmar H$aZo Am¡a CgH$m bm^ CR>mZo ‘| gj‘ ~ZmH$a àmá {H$`m OmEJm& df© Ho$ Xm¡amZ, H$m`©H«$‘ Ho$ A§VJ©V {ZåZ{bpIV à‘wI J{V{d{Y`m± MbmB© JBª :

• VabVm {Z{Y H$s ñWmnZm (bJ^J `100 H$amo‹S>), Vm{H$ Aën{dÎm joÌ ‘| VabVm (Mb{Z{Y) ‘| gwYma hmo Am¡a gmW hr àË`j à^md n¡Xm H$a ~¢H$am| H$mo Bg ~mV Ho$ {bE àmoËgm{hV {H$`m Om gHo$ {H$ do Aën{dÎm g¨ñWmAm| H$mo A{YH$ CYma X|& Bg {Z{Y Ho$ A§VJ©V, CZ amÁ`m| Ho$ {bE Aën{dÎm g¨ñWmAm| H$mo {XE OmZo dmbo CYma Ho$ à{V g¨ñWmAm| H$mo OmopI‘ gwajm Xr OmVr h¡, {OZ‘| {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ H$m`©H«$‘ Mbm`m Om ahm h¡ Am¡a gmW hr AmJo CYma XoZo Ho$ {bE bKwVa Aën{dÎm g¨ñWmAm| H$mo àË`jV: F$U {Z{Y`m± ^r CnbãY H$amB© OmVr h¢& BgHo$ Abmdm, Bg {Z{Y Ho$ A§VJ©V ‘Ü`‘ Ed§ ~‹S>r Aën{dÎm g¨ñWmAm| H$mo {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ H$m`©H«$‘ dmbo amÁ`m| ‘| emImV§Ì H$m {dñVma H$aZo, n[aMmbZ bmJV H$‘ H$aZo Ho$ {bE {dÎmr` godmAm| Ho$ {dVaU Ho$ {bE àm¡Úmo{JH$s AmYm[aV ‘m°S>b AnZmZo, ZE Am¡a ZdmoÝ‘ofr CËnmXm| H$m àm`mo{JH$ narjU H$aZo d CÝh| {H«$`mpÝdV H$aZo VWm AÝ` {dÎmr` godmAm| (O¡go AË`ën noÝeZ, ~r‘m, Am{X) H$m {dñVma H$aZo O¡go H$m`m] Ho$ {bE gwb^ F$U {X`m OmVm h¡&

• {ZY©ZV‘ amÁ` g‘mdoer g¨d¥{Õ H$m`©H«$‘ dmbo amÁ`m| ‘| n[aMmbZaV Aën{dÎm g¨ñWmAm| H$mo j‘Vm {Z‘m©U Ho$ {bE AZwXmZ ghm`Vm CnbãY H$amZm&

• {d{^Þ J{V{d{Y`m| Ho$ {bE g‘J«V: aUZr{VH$ {Xem Am¡a ‘mJ©Xe©Z àXmZ H$aZo Ho$ {bE Aën{dÎm /{dH$mg H$m`m] go Ow‹S>o gwà{gÕ {deofkm| H$s amï´>r` qMVZ nrR> H$s ñWmnZm&

• Aën{dÎm g¨ñWmAm| Ho$ à‘wI ZoQ>dH©$ ""gm-YZ'' H$mo ghm`Vm XoZm, Vm{H$ dh Aën{dÎm g¨ñWm ZoQ>dH©$ (E‘Eµ’$AmB©EZ) Ho$ gmW {‘bH$a, {hVYmaH$m|, O¡go amÁ` gaH$ma, ~¢H$, Am{X go g¨dmX H$aVo hþE, Aën{dÎm joÌ H$s gmI nwZñWm©{nV H$aZo Ho$ {bE g‘pÝdV joÌr` nhb H$ao&

• {~hma ‘| g’$bVm Ho$ ‘hÎdnyU© H$maH$ nhMmZZo Ho$ {bE, gwnwX©Jr T>m±Mo, bmJV-{H$µ’$m`V Ed§ ì`dhm`©Vm, n[aMmbZ-ñVa Am¡a XjVm, Am{X Ho$ ~mao ‘| AJ«Ur ~¢qH$J g¨dmhH$ ‘m°S>bm| H$m AÜ``Z H$amZm&

xii. nydm}ËVa joÌ hoVw {gS>~r H$s ghm`Vm

~¢H$ Aën{dÎm, J«m‘rU CÚmoJrH$aU, hñV-{eën g‘yh {dH$mg, CÚ{‘Vm {dH$mg, {dnUZ ghm`Vm, Am{X Ho$ ‘mÜ`‘ go nydm}Îma joÌ Ho$ {dH$mg na {deof Ed§ H|${ÐV ê$n go Ü`mZ XoVm h¡& Bg g¨~§Y ‘|, à‘wI J{V{d{Y`m| H$m {ddaU {ZåZdV h¡ :

• ~¢H$ Ho$ gyú‘ CÚ‘ g¨dÕ©Z H$m`©H«$‘ Ho$ A§VJ©V, nydm}Îma joÌ ‘| A~ VH$ 23 {Obm| H$mo em{‘b {H$`m Om MwH$m h¡, {Og‘| {dÎm df© 2013-14 ‘| Ag‘ Ho$ gmo{ZVnwa {µObo Ho$ {bE ‘§Oya 1 gyú‘ CÚ‘ g¨dÕ©Z H$m`©H«$‘ ^r g‘m{hV h¡& BZ gyú‘ CÚ‘ g¨dÕ©Z H$m`©H«$‘m| Ho$ AYrZ A~ VH$ g¨M`r ê$n go 2,400 BH$mB`m| H$m g¨dÕ©Z {H$`m J`m h¡&

• ~¢H$ Zo nydm}Îma joÌ Ho$ {d{^Þ amÁ`m| ‘| 43 CÚ‘-g‘yh {dH$mg H$m`©H«$‘m| H$mo ghm`Vm Xr h¡, {OZ‘| ~m±g MQ>mB© H$s ~wZmB©, H$mn}Q> ~wZmB©, hñV{eën, hWH$aKm ~wZmB©, nm°Q>ar, ‘Yw‘ŠIr nmbZ, ‘N>{b`m| Ho$ {bE ImÚ CËnmX ~ZmZm, Am{X J{V{d{Y`m± em{‘b h¢& BZ CÚ‘-g‘yh {dH$mg à`mgm| go bJ^J 6,400 H$marJa bm^mpÝdV hþE h¢&

• ~¢H$ Zo nydm}Îma joÌ ‘| 339 CÚ{‘Vm {dH$mg H$m`©H«$‘m| H$m Am`moOZ {H$`m h¡, {OZgo 15,000 go A{YH$ à{V^mJr bm^mpÝdV hþE h¢& ~¢H$ Zo A~ VH$ bJ^J 132 H$m¡eb-gh-àm¡Úmo{JH$s CÞ`Z H$m`©H«$‘ (ñQw>n) /H$m¡eb {dH$mg H$m`©H«$‘ Am`mo{OV {H$E h¢, {OZgo g‘J« nydm}Îmma joÌ ‘| 4,500 go A{YH$ à{V^mJr bm^mpÝdV hþE h¢&

• CÎma nyd© {dH$mg {dÎm {ZJ‘ {b{‘Q>oS> (ZoS>’$s) Ho$ gmW ‘mM© 2012 ‘| EH$ g‘Pm¡Vm kmnZ {Zînm{XV {H$`m J`m Wm, {OgH$m bú` gyú‘, bKw d ‘Ü`‘ CÚ‘ {dÎm, Aën{dÎm g{hV {d{^Þ {dÎmr` Ed§ {dH$mgnaH$ godmE± CnbãY H$amZm Ed§ nydm}Îma joÌ ‘| {d{dY g¨dÕ©Zerb Ed§ {dH$mgnaH$ J{V{d{Y`m± g¨Mm{bV H$aZm Wm& Bg ì`dñWm Ho$ A§VJ©V, {ebm§J (‘oKmb`), {gbMa (Ag‘), AmBOm°b ({‘Omoa‘), J§JQ>moH$ ({gp³H$‘), AJaVbm ({Ìnwam), H$mo{h‘m (ZmJmb¢S>), B©Q>mZJa (AéUmMb àXoe) Ed§ B§’$mb (‘{Unwa) ‘| Hw$b 8 F$U nam‘e© H|$Ð /ì`dgm` gwJ‘Vm H|$Ð Imobo JE h¢&

4

{gS>~r H$s ghm`Vm H$m à^md

26


{gS>~r H$s ghm`Vm H$m à^md

{gS>~r EH$ erf© g¨ñWm hmoZo Ho$ ZmVo, gyú‘, bKw Ed§ ‘Ü`‘ (gyb‘) CÚ‘m| VH$ nhþ±M ~‹T>mZo Ho$ {bE gyú‘, bKw Ed§ ‘Ü`‘ (gyb‘) CÚ‘m| H$mo {dÎmr` Ed§ {dH$mgmË‘H$ ghm`Vm godmE§ àXmZ H$aHo$ A{Vg{H«$` ^y{‘H$m H$m {Zdm©h H$a ahm h¡& BgHo$ Am{W©H$, gm‘m{OH$ VWm n`m©da{UH$ à^md Bg àH$ma go h¢ :

Am{W©H$ à^md

• ‘mM©, 2014 H$s g‘m{á VH$, {gS>~r H$s {d{eï> `moOZmAm| O¡go- OmopI‘ ny±Or, {Q>H$mD$ {dÎm, D$Om© XjVm VWm n`m©daU AZwHy$b CËnmX, àm¡Úmo{JH$s ZdmoÝ‘ofU, àmß` {dÎm `moOZm H$mo em{‘b H$aVo hþE, AàË¶j Ed§ àË`j {dÎm, XmoZm| Vah H$s `moOZmAm| Ho$ A§VJ©V bJ^J 340 bmI ì`{º$`m|/BH$mB`m| H$mo Hw$b `3.37 bmI H$amo‹S> H$m g¨M`r g¨{dVaU àXmZ {H$`m Om MwH$m h¡&

• g¨Vw{bV joÌr` {dH$mg bmZo Ho$ {bE, {gS>~r Ûmam AnojmH¥$V ê$n go Aën {dH${gV Am¡Úmo{JH$ amÁ`m| ‘| F$U àdmh ~‹T>mZo Ho$ {bE H$X‘ CR>mE JE h¢& {nN>bo dfm] Ho$ Xm¡amZ, Aën go{dV amÁ`m|o ‘| àË`j {dÎmr` ghm`Vm àdmh ‘| d¥{Õ hþB© h¡& {dÎmr` df© 2013-14 Ho$ Xm¡amZ, àË`j {dÎm Ho$ A§VJ©V Hw$b `12,613 H$amo‹S> H$m g¨{dVaU hþAm& àË`j {dÎm `moOZm ‘| EH$ ‘hËdnyU© àJ{V `h hþB© {H$ Am¡Úmo{JH$ ê$n go Aën {dH${gV amÁ`m| ‘| CÀM F$U àdmh ahm, O¡go- N>ÎmrgJ‹T> (177%), {h‘mMb àXoe (327%), CÎma àXoe (131%), CÎmamI§S> (265%), amOñWmZ (8%) VWm C‹S>rgm (13%)& Am¡Úmo{JH$ ê$n go H$‘ {dH${gV amÁ`m| ‘| àË`j ghm`Vm ‘| A{^d¥{Õ {nN>bo H$B© dfm] Ho$ Xm¡amZ bJmVma Omar h¡& {dÎmr` df© 2005-14 Ho$ Xm¡amZ BZ‘| go A{YH$Va amÁ`m| ‘| {dÎmr` ghm`Vm H$B© JwZm ~‹T>r h¡& BZ‘| {dÎmr` df© 2005-14 Ho$ Xm¡amZ, C‹S>rgm (31 JwZm d¥{Õ), N>ÎmrgJ‹T> (12.8), amOñWmZ (5.7), CÎmamI§S> (5.3), ‘Ü` àXoe (4.9), PmaI§S> (4.4), CÎma àXoe (4), n{ü‘ ~§Jmb (11.9) Am{X em{‘b h¢&

• Bgr àH$ma AàË¶j {dÎm Ho$ ‘m‘bo ‘| ^r, Aën {dH${gV amÁ`m| VWm {Obm| ‘| F$U-àdmh ‘| d¥{Õ hþB© h¡& joÌr` {dH$mg ‘| hmoZo dmbo Ag¨VwbZ H$mo {Z`§{ÌV H$aZo ‘| ^r BgH$m `moJXmZ ahm h¡&

• gmW hr, {gS>~r H$s Aën {dÎm ghm`Vm ‘w»`V: J«m‘rU ^mJm| ‘| h¡ {Og‘| Ago{dV Ed§ Aëngo{dV amÁ`m| na A{YH$ µOmoa {X`m Om ahm h¡& g¨{d^mJ OmopI‘ {Z{Y, ^maV Aën{dÎm B©p³dQ>r {Z{Y, {ZY©ZV‘ amÁ` g‘mdoer g¨{dH$mg H$m`©H«$‘, Am{X H$m bú` BZ Ago{dV/Aëngo{dV amÁ`m| ‘| F$U-àdmh H$mo ~‹T>mZm h¡& {gS>~r Ûmam AnZr VH$ZrH$s ghm`Vm Ed§ g¨dÕ©ZmË‘H$ Cnm`m| Ho$ ‘mÜ`‘ go BZ Aëngo{dV joÌm| VWm Am{W©H$ ê$n go H$‘ {dH${gV joÌm|/amÁ`m| ‘| Aën-{dÎm `moOZmAm|/ghm`Vm H$s nhþ±M H$mo gwYmaZo H$m H$m`© {H$`m Om ahm h¡&

• ~¢H$ nydm}Îma joÌ H$m {dH$mg H$aZo Ho$ {bE ^r Aën-{dÎm ghm`Vm, J«m‘rU Am¡ÚmoJrH$aU, hñVH$bm Ho$ {dH$mg, g‘yh {dH$mg, CÚ{‘Vm {dH$mg, ‘mH}$qQ>J ghm`Vm Am{X Ho$ ‘mÜæ‘ go {deof Ed§ Ho$pÝÐV ê$n go Ü`mZ Xo ahm h¡&

• ~¢H$ Zo AnZo gyú‘ CÚ‘ g¨dY©Z H$m`©H«$‘ (E‘B©nrnr) Ho$ ‘mÜ`‘ go, ‘mM© 2014 H$s g‘m{á VH$ g¨M`r ê$n go bJ^J 41,000 CÚ‘m| H$m g¨dY©Z {H$`m h¡& nydm}Îma joÌ ‘|, A~ VH$ 23 {Obm| H$mo Bg‘| em{‘b H$a {b`m J`m h¡& nydm}Îma joÌ ‘| BZ gyú‘ CÚ‘ g¨dY©Z H$m`©H«$‘m| (E‘B©nrnr) Ho$ n[aUm‘ñdê$n A~ VH$ g¨M`r ê$n go bJ^J 2,425 J«m‘rU CÚ‘m| H$m g¨dÕ©Z {H$`m Om MwH$m h¡&

• AnZr àË`j {dÎm `moOZmAm| Ho$ A§VJ©V {gS>~r ghm`Vm H$m AmYma^yV bú`, ~¢H$m| Ûmam {XE OmZo dmbo F$Um| ‘| AmZo dmbo F$U A§Vambm| H$s AZwny{V©/n[any{V© H$aZm h¡&

• ~¢H$ Ûmam AnZr ñWmnZm go boH$a 31 ‘mM©, 2014 VH$ {d{^Þ bú` g‘yhm| H$mo ghm`Vm-àXÎm CÚ{‘Vm {dH$mg H$m`©H«$‘m| (B©S>rnr) H$s Hw$b g¨»`m 3,028 Wr, {Og‘| 75,000 go A{YH$ à{V^m{J`m| Zo bm^ àmá {H$`m&

• g¨M`r ê$n go, bJ^J 38,000 à{V^mJr `m Vmo AnZr ñd`§ H$s BH$mB`m§ ñWm{nV H$a MwHo$ h¢ `m Bg joÌ ‘| bm^nyU© amoµOJma àmá H$a MwHo$ h¢& AnZr ñWmnZm go boH$a ~¢H$ Ûmam A~ VH$ nydm}Îma joÌ ‘| 339 go A{YH$ CÚ{‘Vm {dH$mg H$m`©H«$‘ (B©S>rnr) Am`mo{OV {H$E Om MwHo$ h¢, {OZ‘| 15,000 go A{YH$ à{V^mJr bm^ àmßV H$a MwHo$ h¢&

27


• AnZr ñWmnZm Ho$ ~mX go `Wm 31 ‘mM©, 2014, ~¢H$ Ûmam ghm`VmàXÎm H$m¡eb-gh-àm¡Úmo{JH$s {dH$mg H$m`©H«$‘ (EgQ>r`ynr) VWm bKw CÚmoJ à~§YZ H$m`©H«$‘m| (EgAmB©E‘Enr) H$s Hw$b g¨»`m H«$‘e: 1,532 Am¡a 300 Wr, {Og‘| 41,000 go A{YH$ à{V^m{J`m| Zo bm^ àmá {H$`m& BZ H$m`©H«$‘m| Zo H$mµ’$s ~‹S>r g¨»`m ‘| Cƒ g¨^mdZmAm| dmbo `wdm CÚ{‘`m| H$mo bm^mpÝdV {H$`m VWm CZ‘| go A{YH$Va à{V^m{J`m| Zo gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘ (gyb‘) joÌ ‘| H$m`© àmaå^ H$a {X`m h¡&

• {gS>~r Ûmam nyao ^maVdf© ‘| pñWV {d{^Þ CÚmoJ g‘yhm| ‘| 85 go A{YH$ g‘yh {dH$mg H$m`©H«$‘m| (grS>rnr) H$mo ghm`Vm àXmZ H$s JB©& BZ g‘yh {dH$mg nhb H$m`©H«$‘m| go bJ^J 6,400 H$marJa bm^mpÝdV hþE&

n`m©daUr` à^md

gyú‘, bKw Ed§ ‘Ü`‘ (gyb‘) CÚ‘ joÌ Ho$ n`m©daU-AZwHy$b {dH$mg H$s Amdí`H$Vm H$mo nhMmZVo hþE, {gS>~r H$s H$mamo~mar aUZr{V gyb‘ joÌ ‘| D$Om© XjVm (B©B©) VWm ñdÀN>oVa CËnmXZ (grnr) H$mo ~‹T>mdm XoZo H$s ahr h¡& {gS>~r Ho$ BZ {Q>H$mD$ à`mgm| H$m à^md ZrMo d{U©V h¡ :

• 31 ‘mM©, 2014 VH$, D$Om© XjVm (B©B©) VWm ñdÀN>oVa CËnmXZ (grnr) Ho$ {bE 6,600 go A{YH$ gyú‘, bKw Ed§ ‘Ü`‘ (gyb‘) CÚ‘m| H$mo bJ^J `4,800 H$amo‹S> H$m g{dVaU {H$`m Om MwH$m h¡, {OgHo$ n[aUm‘ñdê$n 920 {‘{b`Z {H$bmo dm°Q> K§Q>o (MkWh) H$s {dÚwV H$s ~MV hþB© VWm H$m~©ZS>mB© Am°ŠgmBS> (CO2) Ho$ CËgO©Z ‘| 850 {H$bmo Q>Z (kT) H$s dm{f©H$ H$‘r AmB©&

• H$B© ZdmoÝ‘ofr {dÎmr`Z CËnmXm|, O¡go- grEZOr Q>¡Šgr /grEZOr Am°Q>mo [aŠem hoVw F$U, gm¡a ~ë~m| Ho$ {bE gyú‘ F$U, J¡a-~¢qH$J {dÎmr` H§$n{Z`m| Ho$ ‘mÜæ‘ go M¡Zb {dÎm, ‘yb CnH$aU Amny{V©H$Vm©Am| (AmoB©E‘) Ho$ gmW g¨a{MV ì`dñWm, h[aV ^dZm| H$m {dÎmr`Z Am{X H$mo AnZm`m J`m h¡& Bg nhb go ñdÀN> àm¡Úmo{JH$s Ho$ g¨dY©Z VWm àXyfU-{Z`§ÌU ‘| ghm`Vm {‘br h¡&

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• {gS>~r D$Om© XjVm ã`yamo (OrB©Eµ’$) Ho$ gmW, nm±M CÚmoJ g‘yhm| ‘|, {dœ ~¢H$ d¡{œH$ n`m©daU gw{dYm (OrB©Eµ’$) go {Z{Y-àmá n[a`moOZm, gyú‘, bKw d ‘Ü¶‘ (gyb‘) CÚ‘m| ‘| XjVm D$Om© {dÎmnmofU H$m`m©pÝdV H$a ahm h¡& `o nm±M g‘yh h¢ - H$moëhmnwa ‘| T>bmB©ImZm (µ’$mC§S´r), {VéÞo„do{b ‘| MyZm^Å>r, A§H$boœH$a ‘| agm`Z, nwUo ‘| T>bmB© VWm µ’$arXm~mX ‘| {‘{lV g‘yô& Amem h¡ {H$ Bg n[a`moOZm go 500 gyú‘, bKw d ‘Ü`‘ BH$mB`m| H$mo D$Om©-Xj ~Zm`m Om gHo$Jm&

gm‘m{OH$ à^md

Aën{dÎm, gm‘mÝ` Vm¡a na g‘mO Ho$ {ZY©Z dJm] Ho$ gm‘m{OH$ {dH$mg Ho$ gdm©{YH$ gj‘ Ed§ à^mdr CnH$aUm| ‘| go EH$ gm{~V hþAm h¡& g¨M`r ê$n go, {gS>~r Ho$ ‘mÜ`‘ go Xr JB© ghm`Vm go 326 bmI (bJ^J) gw{dYmd§{MV ì`{º$ bm^mpÝdV hþE h¢, {OZ‘| go A{YH$Va ‘{hbmE§ h¢& {gS>~r H$s Aën {dÎm `moOZm, ghòmpãX {dH$mg bú`m| (E‘S>rOr) H$mo àmá H$aZo H$s Amoa Vrd«Vm go CÝ‘wI hmo ahr h¡& (AZwb¾H$) {gS>~r Ûmam df© 2008 ‘| H$amE JE à^md-AÜ``Z Ho$ AZwgma, Aën{dÎm `moOZm Zo {ZY©Zm| H$mo {dÎmr` godmAm| VH$ nhþ±MZo ‘| ghm`Vm H$s h¡ VWm OrdZ`mnZ Ho$ A{V[aº$ Adgam| H$m g¥OZ H$aHo$, emofU H$aZo dmbo AZm¡nMm[aH$ F$U-òmoVm| na CZH$s {Z^©aVm H$mo KQ>m H$a CZHo$ OrdZ ‘| JwUmË‘H$ gwYma {H$`m h¡ VWm gmW hr, CZHo$ ñdmñÏ` d e¡{jH$ ‘mZX§S>m| ‘| ^r gwYma {H$`m h¡& Bg à^md-AÜ``Z Ho$ Hw$N> à‘wI {~ÝXw ZrMo àñVwV h¢ :

28


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• à{VXe© J«mhH$m| ‘| bJ^J 80% ‘{hbmE§ em{‘b aht&

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30


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31


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eoàYm[aVm H$m ñdê$n

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32


à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$ VWm ~¢H$ Ho$ OmopI‘ à~§YZ, F$U, g¨gmYZ Am¡a amOH$mofr` VWm gyMZm àm¡Úmo{JH$s CX-^mJm| Ho$

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Ho$ ‘mÜ`‘ go CYmar, ~¢H$ H$s ewÕ ã`mO Am` Am¡a ewÕ ã`mO ‘m{O©Z ‘| hþE n[adV©Z VWm {dXoer F$U gr‘mAm| Ho$ A§VJ©V AmhaUm|

Ho$ g¨X^© ‘| ‘wÐm OmopI‘ Ho$ ~Mmd Am{X na MMm© hþB© &

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CÚ‘ OmopI‘ à~§Y g{‘{V

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CÎmaXm`r h¡ &

OmopI‘ Ed§ gyMZm gwajm g{‘{V

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AÀN>o à{V‘mZ Am¡a Zr{V`m| Ho$ AZwnmbZ H$mo àmoËgm{hV H$ao &

Am§V[aH$ boIm-narjm

~¢H$ ‘| Z¡J‘ A{êmgZ H$mo ‘O~yV ~ZmZo Am¡a Am§V[aH$ {Z`§ÌU H$mo gwÑ‹T> H$aZo VWm OmopI‘ à~§YZ ‘| gwYma bmZo Ho$ {bE ~¢H$ Ho$

à~§YZ Ho$ CÔoí`m| H$m AZwnmbZ H$aZo ‘| ~¢H$ H$s Am§V[aH$ boIm narjm H$s ‘hËdnyU© ^y{‘H$m h¡& {dÎmr` df© 2013-14 Ho$ Xm¡amZ

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33


‘mZd g¨gmYZ {dH$mg - EH$ {dh§JmdbmoH$Z

H$m{‘©H$

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à{ejU Ed§ H°$[aà {dH$mg

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ñQ>m’$ H$ë`mU g¨~§Yr J{V{d{Y`m±

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H§$ß`yQ>arH$aU

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34


~Zm`m J`m & H$B© ZB© J{V{d{Y`m| hoVw Am§V[aH$ AmB©Q>r g‘mYmZm| H$mo {dH${gV Ed§ H$m`m©pÝdV {H$`m J`m, BZ‘| em{‘b h¢ - gmd{Y O‘m d E‘EgE‘B© O‘mAm| hoVw g¨gmYZ à~§Y gm°âQ>doà, ‘erZar Amny{V©H$Vm© S>mQ>m~og, Ama~rAmB© {Xem{ZX}em| Ho$ AZwgma é½U BH$mB©-{ZJamZr, ‘mZH$ ImVm| H$s gabrH¥$V {ZJamZr, {dH«o$Vm-dma àmß` {dÎm , ~rOH$m| H$s B©-^wZmB©, Cƒ ‘yë` VWm AndmXr boZXoZm| H$s {ZJamZr Am{X & ~¢H$ Ho$ B©-‘ob g‘mYmZ hoVw gd©a g‘oH$Z {H$`m J`m VWm ‘ob g‘mYmZ H$s ~ohVa CnbãYVm VWm à^mdH$m[aVm gw{Z{üV H$aZo hoVw hmW ‘| aIo OmZo dmbo ZdrZV‘ CnH$aUm| Ho$ ‘mÜ`‘ go ‘ob VH$ nhþ§M CnbãY H$amB© JB© & {H$gr A{à` KQ>Zm go {ZnQ>Zo ‘| ~¢H$ H$s V¡`mar H$s Om§M hoVw df© ‘| Xmo ~ma OrdÝV AmnXm ~Mmd narjU g’$bVmnyd©H$ {H$`m J`m & ~XbVr àm¡Úmo{JH$s Ho$ AZwê$n V¡`ma ahZo hoVw Amdí`H$Vm AmYm[aV AmB©Q>r H$s ‘yb^yV gäMZm H$m CÞ`Z {H$`m J`m &

gVH©$Vm {d^mJ H$s J{V{d{Y`m±

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~¢H$ ‘| amO^mfm Zr{V H$m H$m`m©Ýd`Z

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35


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2012 ‘| `671 H$amo‹S> H$s g‘yh {Z{Y go hþB©& AmB©AmoE’$ ‘| {gS>~r, OrdZ ~r‘m {ZJ‘, Ho$Zam ~¢H$, àm¡Úmo{JH$s {dH$mg ~moS>© (Q>rS>r~r)

VWm ^maV Ho$ AÝ` AJ«Ur dm{UÁ` ~¢H$m| d ~r‘m H§$n{Z`m| Zo {Zdoe {H$`m h¡& AmB©AmoE’$ joÌ-{Zanoj {Z{Y h¡, {Og‘| ‘w»`V… ^maV

Ho$ ~‹T>Vo hþE VWm J¡a-gyMr~Õ E‘EgE‘B© H$s g¨d¥{Õ ny±OrJV

Amdí`H$VmAm| na Ü`mZ Ho$pÝÐV {H$`m OmVm h¡, Omo CâVo hþE

joÌm| ‘| n[aMmbZaV h¢, O¡go {ejm-godmE§, AmB©Q>r/ AmB©Q>rB©Eg,

hëH$s B§Or{Z`[a¨J, ñdÀN> àm¡Úmo{JH$s, H¥${f-AmYm[aV CÚmoJ,

bm°{OpñQ>Šg, ‘yb^yV gäMZm Am{X& AmB©AmoE’$ àma§{^H$, d¥{Õ

AmYm[aV Ed§ A§{V‘ MaU H$s Mw{ZÝXm H§$n{Z`m| ‘| {Zdoe H$aoJr&

`Wm 31 ‘mM© 2014, AmB©AmoE’$ Zo 15 H§$n{Z`m| ‘| `182

H$amo‹S> H$s dMZ~ÕVm H$s h¡, {Og‘| go 9 H§$n{Z`m| ‘| `58 H$amo‹S>

H$m {Zdoe nyam hmo MwH$m h¡& g^r {Zdoe E‘EgE‘B© ‘| hþE h¢&dmamUmgr ‘| grOrQ>rE‘EgB© ~¡R>H$

40


g‘¥{Õ {Z{Y (EgE’$)

S>rE’$AmB©S>r, `yHo$ gaH$ma H$m EH$ g¨ñWmZ h¡ Omo {~«Q>oZ gaH$ma Ûmam Jar~ Xoem| H$mo Xr OmZo dmbr ghm`Vm H$m à~§YZ H$aVm h¡&

S>rE’$AmB©S>r Zo 7 dfm] Ho$ {bE AnZo nwAaoñQ> ñQ>oQg BÝŠby{gd J«moW (nrEgAmB©Or) H$m`©H«$‘ Ho$ A§VJ©V 65 {‘{b`Z nmCÝS> VH$ H$s

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Ñ{ï> go ì`dhm`© hm|, Jar~m| H$s ~mOma VH$ nhþ±M àXmZ H$aVo hm|, gm‘m{OH$ Ñ{ï> go àmg¨{JH$ hm| Am¡a Jar~m| H$mo CËnmXH$/Cn^moº$m

VWm/AWdm H$‘©Mmar Ho$ ê$n ‘| à^m{dV H$aVo hm| Am¡a Omo AnojmH¥$V A{YH$ Jar~ AmR> amÁ`m|- {~hma, ‘Ü` àXoe, Amo{‹S>em, CÎma

àXoe, amOñWmZ, PmaI§S>, N>ÎmrgJ‹T> VWm n{ü‘ ~§Jmb na Am{W©H$ à^md S>mbVo hm|&

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H$amo‹S> Ho$ A§eXmZ XoZo H$s gh‘{V Xr h¡& {Z{Y Ûmam df© 2013-14 Ho$ Xm¡amZ 7 H§$n{Z`m| ‘| `111 H$amo‹S> H$s dMZ~ÕVm H$s J`r

h¡, {Og‘| go 5 H§$n{Z`m| ‘| `39 H$amo‹S> H$m {Zdoe nyam hmo MwH$m h¡& A^r VH$ g^r {Zdoe E‘EgE‘B© ‘| hþE h¢&

EgdrgrEb H$m VwbZ-nÌ

EgdrgrEb H$m 31 ‘mM© 2014 H$m g¨{já VwbZ-nÌ VWm 01 Aà¡b 2013 go 31 ‘mM© 2014 VH$ H$s bm^-hm{Z {ddaUr

{ZåZ{bpIV Vm{bH$mAm| ‘| Xr Om ahr h¡…

Vm{bH$m 6.1 Eg dr gr Eb H$m g¨{jßV VwbZ-nÌ (` bmI)

`Wm 31 ‘mM© 2013

(A§Ho${jV)EgdrgrEb H$m g¨{jßV VwbZ-nÌ

`Wm 31 ‘mM©2014

(A§Ho${jV)

B©p³dQ>r Am¡a Xo`VmE±

1,500.00 eo`a ny±Or 1,500.00

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34.88 J¡a-Mmby Xo`VmE± 96.14

786.86 Mmby Xo`VmE± 787.35

3,203.05 `moJ 3,485.86

AmpñV`m±

2,103.00 J¡a-Mmby AmpñV`m± 2,227.49

1,100.05 Mmby AmpñV`m± 1,258.37

3,203.05 `moJ 3,485.86

41


Vm{bH$m 6.2 Eg dr gr Eb H$m g¨{jßV bm^ - hm{Z ImVm (` bmI)

31 ‘mM© 2013 H$mo g‘mßV df© hoVw (A§Ho${jV)

EgdrgrEb H$s g¨{jßV bm^-hm{Z {ddaUr 31 ‘mM© 2014 H$mo g‘mßV

df© hoVw (A§Ho${jV)

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1,443.56 n[aMmbZm| go amOñd 1,539.49

119.05 AÝ` Am` 74.62

1,562.61 `moJ 1,614.11

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602.40 n[aMmbZ ì`` 613.78

7.46 ‘yë`-õmg 6.34

609.86 `moJ 620.12

952.75 AndmXñdén ‘X| VWm H$a-nyd© bm^ 993.99

2.40 Omo‹S>|: AgmYmaU ‘X| 0.44

0.90 KQ>mE§: nhbo H$s Ad{Y Ho$ g‘m`moOZ 0.15

954.25 AgmYmaU ‘X| Ed§ H$a-nyd© bm^ 994.28

2.00 KQ>mE§ : AgmYmaU ‘X ({Zdoem| Ho$ ‘yë` ‘| H$‘r hoVw àmdYmZ) 0.00

952.25 H$a-nyd© bm^ 994.28

320.00 Mmby H$a 327.00

(5.20) AmñW{JV H$a 7.50

0.00 Am`-H$a hoVw A{V[aº$ àmdYmZ 0.00

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{gS>~r Q´ñQ>r H§$nZr {b{‘Q>oS>

{gS>~r Zo {gS>~r Q´ñQ>r H§$nZr {b{‘Q>oS> (EgQ>rgrEb) H$s ñWmnZm EH$ Q´ñQ>r H§$nZr Ho$ ê$n ‘| 19 OwbmB© 1999 H$mo H$s

Am¡a `h dV©‘mZ ‘| ZoeZb d|Ma ’§$S> ’$m°a gm°âQ>do`a E§S> Q>oŠZm°bOr B§S>ñQ´r (EZE’$EgAmB©Q>r),EgE‘B© J«moW ’§$S> (EgOrE’$),

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{b{‘Q>oS> (EgdrgrEb) H$mo EZE’$EgAmB©Q>r, EgOrE’$, AmB©AmoE’$ VWm EgE’$ Ho$ {Zdoe-à~§YH$ Ho$ ê$n ‘| H$m‘ H$aZo H$m Xm{`Ëd

{X`m h¡&

42


EgQ>rgrEb H$m VwbZ-nÌ

EgQ>rgrEb H$m 31 ‘mM© 2014 H$m g¨{jßV VwbZ-nÌ VWm 01 Aà¡b 2013 go 31 ‘mM© 2014 VH$ H$s bm^-hm{Z {ddaUr {ZåZ{bpIV Vm{bH$mAm| ‘| Xr Om ahr h¡ …

Vm{bH$m 6.3 EgQ>rgrEb H$m g¨{jßV VwbZ-nÌ (` bmI)

`Wm ‘mM© 31, 2013 (A§Ho${jV)

EgQ>rgrEb H$m g¨{jßV VwbZ-nÌ`Wm ‘mM© 31, 2014

(A§Ho${jV)

B©p³dQ>r Ed§ Xo`VmE±

5.00 eo`a ny±Or 5.00

393.90 Ama{j{V`m± Ed§ A{Yeof 455.58

0.00 J¡a-Mmby Xo`VmE± 0.00

0.74 Mmby Xo`VmE± 0.73

399.64 `moJ 461.31

AmpñV`m±

3.31 J¡a-Mmby AmpñV`m± 55.85

396.33 Mmby AmpñV`m± 405.46

399.64 `moJ 461.31

Vm{bH$m 6.4 EgQ>rgrEb H$s g¨{jßV hm{Z - bm^ ImVm (` bmI)

‘mM© 31 2013H$mo g‘mßV df© hoVw (A§Ho${jV)

EgQ>rgrEb H$s g¨{jßV bm^-hm{Z {ddaUr ‘mM© 31 2014 H$mo g‘mßV df© hoVw (A§Ho${jV)

amOñd

56.82 n[aMmbZm| go amOñd 58.93

36.21 AÝ` Am` 36.20

93.03 `moJ 95.13

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5.97 `moJ 6.45

87.06 AgmYmaU ‘Xm| VWm H$a-nyd© bm^ 88.68

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87.04 H$a-nyd© bm^ 89.18

27.00 Mmby H$a 27.50

43


‘mM© 31 2013H$mo g‘mßV df© hoVw (A§Ho${jV)

EgQ>rgrEb H$s g¨{jßV bm^-hm{Z {ddaUr ‘mM© 31 2014 H$mo g‘mßV df© hoVw (A§Ho${jV)

0.00 AmñW{JV H$a 0.00

0.00 Am`-H$a hoVw A{V[aº$ àmdYmZ 0.00

60.04 Ad{Y ‘| bm^ / (hm{Z) 61.68

gh`moJr

gyú‘ Ed§ bKw CÚ‘ F$U Jma§Q>r {Z{Y Q´ñQ>

gyú‘ Ed§ bKw CÚ‘ F$U Jma§Q>r {Z{Y Q´ñQ> (grOrQ>rE‘EgB©) gyú‘ Ed§ bKw CÚ‘m| Ho$ {bE F$U Jma§Q>r `moOZm n[aMm{bV H$aVm h¡,

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g¨nm{œ©H$ à{V^y{V Am¡a/AWdm V¥Vr`-nj Jma§{Q>`m± CnbãY Zht hmoVt& {dÎmr` df© 2013-14 Ho$ Xm¡amZ grOrQ>rE‘EgB© H$s g‘yh

{Z{Y ‘| gyú‘, bKw Ed§ ‘Ü`‘ CÚ‘ ‘§Ìmb`, ^maV gaH$ma Am¡a {gS>~r Zo H«$‘e… `74.99 H$amo‹S> VWm `18.75 H$amo‹S> H$m `moJXmZ

{H$`m& Bggo g‘yh {Z{Y H$m AmH$ma ~‹T>H$a `2,295.30 H$amo‹S> hmo J`m&

F$U Jma§Q>r `moOZm Ho$ n[aMmbZ

F$U Jma§Q>r `moOZm Ho$ n[aMmbZm| ‘| d¥{Õ Omar ahr& Ohm± {dÎmr` df© 2000-01 ‘| g{H«$` gXñ` F$UXmÌr g¨ñWmAm| H$s g¨»`m Ho$db

9 Wr, dht 31 ‘mM© 2014 VH$ Jma§Q>r H$da boZodmbr g{H«$` gXñ` F$UXmÌr g¨ñWmAm| H$s g¨»`m 117 VH$ nhþ±M JB©& {dÎmr` df©

2013-14 Ho$ Xm¡amZ `18,188.12 H$amo‹S> H$s am{e Ho$ {bE Hw$b 3,48,475 Jma§{Q>`m± AZw‘mo{XV H$s Om MwH$s h¢, Am¡a Bg àH$ma

{nN>bo {dÎmr` df© H$s VwbZm ‘| Bg df© g¨»`m H$s Ñ{ï> go 21% VWm am{e H$s Ñ{ï> go 13% H$s d¥{Õ XµO© hþB© h¡& g¨M`r ê$n go 31

‘mM© 2014 VH$ Hw$b 14,19,807 ImVm| H$mo `70,026.29 H$amo‹S> Ho$ Jma§Q>r AZw‘moXZ àXmZ {H$E Om MwHo$ h¢& F$U Jma§Q>r `moOZm

Ho$ A§VJ©V ñb¡~-dma H$daoO Vm{bH$m ‘| Xem©B© JB© h¡&

Vm{bH$m 6.5 - ñb¡~-dma Jma§Q>r AZw‘moXZ (`Wm 31 ‘mM© 2014 H$mo g¨M`r) H«$‘m§H$ gr‘m àñVmdm| H$s g¨»`m am{e (` bmI)

1 1 bmI énò VH$ 4,94,688 2,43,018.95

2 1 bmI EH$ go 2 bmI énò VH$ 3,29,209 4,96,243.01




6 25 bmI EH$ go 50 bmI énò VH$ 30,383 11,58,491.51

7 50 bmI EH$ go 100 bmI énò VH$ 13,618 10,44,379.02

`moJ 14,19,807 70,02,628.61

{Q>ßnUr… ~rM ‘| gëmoYZ Ed§ {ZagZ Ho$ H$maU dmñV{dH$ Am§H$‹S>m| ‘| n[adV©Z g¨^d h¡&

44


F$U Jma§Q>r `moOZm Ho$ A§VJ©V H$daoO H$s 31 ‘mM© 2014 VH$ H$s g¨M`r pñW{V Ho$ {dûcofU go nVm MbVm h¡ {H$ `10,419.26 H$amo‹S> (14.88%) Ho$ 2,62,611 (18.50%) àñVmd ‘{hbm CÚ{‘`m|, `1,512.03 H$amo‹S> (2.16%) Ho$ 73,671 (5.19%) àñVmd AZwgy{MV Om{V`m|, `949.23 H$amo‹S> (1.35%) Ho$ 28,949 (2.04%) àñVmd AZwgy{MV OZOm{V VWm `3,149.32 H$amo‹S> (4.50%) Ho$ 1,02,229 àñVmd (7.20%) Aëng¨»`H$ g‘wXm`m| Ho$ CÚ{‘`m| go g¨~§{YV Wo&

g‘J« à^md

grOrQ>rE‘EgB© Ho$ n[aMmbZm| go F$U H$s Jma§Q>r-àmá gyú‘ Ed§ bKw CÚ‘m| ‘| Hw$b H$mamo~ma, {Z`m©V Am¡a amoOJma H$s Ñ{ï> go

AW©ì`dñWm na gH$mamË‘H$ à^md n‹S>m h¡, O¡gm{H$ ZrMo {X`m J`m h¡…

Vm{bH$m 6.6 - F$U Jma§Q>r `moOZm H$m à^md

‘mnX§S> `Wm 31 ‘mM© 2014

g¨M`r AZw‘mo{XV Jma§{Q>`m± (g¨»`m) 14,19,807

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AZw‘m{ZV amoOJma g¥OZ (bmI ‘|) 49.94

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OmopI‘ ‘| gh^m{JVm H$s gw{dYm

~¢H$ Zo OmopI‘ gh^m{JVm gw{dYm-II (AmaEgE’$-II) Zm‘H$ moOZm Ho$ àm`mo{JH$ AmYma na, EH$ gr{‘V Ad{Y Ho$ n[aMmbZ Ho$ {bE,

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45


~ygZ, H$mo[a¶m ‘| 26dm§ E. gr. E‘. AmB©. gr. gå‘obZ

ñ‘oam aoqQ>J {b{‘Q>oS>

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AZwgyMr II :Ama{j{V`m§, A{Yeof Am¡a {Z{Y`m§ (H$) Ama{j{V`m§ i) gm‘mÝ` Ama{j{V`m§

- AW eof 5503,31,73,555 4963,31,73,555 - df© Ho$ Xm¡amZ n[adY©Z 935,00,00,000 540,00,00,000 - df© Ho$ Xm¡amZ Cn`moJ - - - B{V eof 6438,31,73,555 5503,31,73,555 ii) {deof Ama{j{V`m§ H$) {Zdoe Ama{j{V - AW eof 55,19,63,645 55,19,63,645 - df© Ho$ Xm¡amZ n[adY©Z - -

- df© Ho$ Xm¡amZ Cn`moJ - - - B{V eof 55,19,63,645 55,19,63,645 I) Am`H$a A{Y{Z`‘, 1961H$s Ymam 36 (1) (viii) Ho$ AZwgma {Z{‘©V Ed§ gwa{jV {deof Ama{j{V`m§

- AW eof 1117,00,00,000 1037,00,00,000 - df© Ho$ Xm¡amZ n[adY©Z 80,00,00,000 80,00,00,000 - df© Ho$ Xm¡amZ Cn`moJ - - - B{V eof 1197,00,00,000 1117,00,00,000 J) AÝ` Ama{j{V`m±

i) {Zdoe CVma-M‹Tµ>md Ama{j{V

- AW eof 78,82,93,354 - - df© Ho$ Xm¡amZ n[adY©Z - 78,82,93,354 - df© Ho$ Xm¡amZ Cn`moJ 32,18,01,399 - - B{V eof 46,64,91,955 78,82,93,354

(I) bm^ Am¡a hm{Z ImVo ‘| A{Yeof 35,92,46,808 33,09,21,258

(J) {Z{Y`m± H$) amï´>r¶ B©pŠdQ>r {Z{Y

- AW eof 243,22,48,570 222,39,66,690 - df© Ho$ Xm¡amZ n[adY©Z/à{VboIZ 3,88,71,453 20,82,81,880 - df© Ho$ Xm¡amZ Cn`moJ - - - B{V eof 247,11,20,023 243,22,48,570

53


I) ñQ>m’$ H$ë`mU {Z{Y 31 ‘mM©, 2014 31 ‘mM©, 2013

- AW eof 22,63,72,265 22,80,55,066 - df© Ho$ Xm¡amZ n[adY©Z 1,00,00,000 1,00,00,000

- df© Ho$ Xm¡amZ Cn`moJ 1,55,75,145 1,16,82,801 - B{V eof 22,07,97,120 22,63,72,265 J) AÝ` - - `moJ 8042,27,93,107 7053,29,72,648

AZwgyMr III :O‘m

H$) gmd{Y O‘m 928,26,37,419 2604,86,19,905

I) ~¢H$m| go

H$) gyú‘ bKw Ed§ ‘Ü`‘ CÚ‘ nwZ{d©Îm {Z{Y Ho$ A§VJ©V 15000,00,00,000 14000,01,00,000

I) gyú‘ bKw Ed§ ‘Ü`‘ CÚ‘ OmopI‘ ny±Os {Z{Y Ho$ A§VJ©V 1000,00,00,000 1000,00,00,000

J) AÝ` - {dXoer Am¡a {ZOs joÌ Ho$ ~¢H$m| go - - K) E‘ Eg E‘ B© B§{S>`m Am°nMw©{ZQ>rO d|Ma ’$ÊS> Ho$ A§VJ©V 500,00,00,000 500,00,00,000 Cn-`moJ (I) 16500,00,00,000 15500,01,00,000 `moJ 17428,26,37,419 18104,87,19,905

AZwgyMr IV :

CYm[a`m§

I) ^maV ‘| CYm[a`m§

1. ^maVr¶ [a‹Od© ~¢H$ go 5000,00,00,000 -

2. ^maV gaH$ma go (^maV gaH$ma Ûmam A{^XËV `2,172.80 H$amo‹S> Ho$ ~m°ÊS> g{hV)

3161,79,92,413 3137,79,96,461

3. ~m°ÊS> Ed§ {S>~|Ma 13066,60,00,000 11871,60,00,000

4. AÝ` òmoVm| go

- dm{UpÁ`H$ nÌ 3650,00,00,000 625,00,00,000

- O‘m à‘mU nÌ - -

- ~¢H$m| go gmd{Y F$U 905,17,89,999 5638,96,39,669

- gmd{Y ‘wÐm CYm[a`m± - -

- AÝ` 49,93,25,569 -

Cn-`moJ (I) 25833,51,07,981 21273,36,36,130 II) ^maV go ~mha CYm[a`m±

(H$) Ho$E’$S>ãë`y, O‘©Zr 1314,99,52,598 1041,42,91,583

(I) OmnmZ B§Q>aZoeZb H$mo-AmnaoeZ EO|gr (OmBH$m) 4277,84,46,222 4210,88,01,924

(J) AmB©E’$ES>r, amo‘ 128,37,60,894 120,82,06,342

(K) {díd ~¢H$ 3503,91,84,661 2856,98,98,451

(S>) AÝ` 559,38,64,032 345,67,32,482

Cn-`moJ (II) 9784,52,08,407 8575,79,30,782 `moJ (I d II) 35618,03,16,388 29849,15,66,912


(`)

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31 ‘mM©, 2014 31 ‘mM©, 2013

AZwgyMr V :

AÝ` Xo`VmE§ d àmdYmZ

Cn{MV ã`mO 362,34,55,627 518,27,52,253

AÝ` (àmdYmZ g{hV) 4179,32,70,087 4111,61,27,707

{dXoer ‘wÐm Xa CVma-M‹Tµ>md hoVw àmdYmZ 1283,11,87,410 1247,01,13,635

‘mZH$ AmpñV`m| Ho$ {bE {H$E JE AmH$pñ‘H$ àmdYmZ 315,37,55,628 265,31,69,655

àñVm{dV bm^m§e (bm^m§e na H$a g{hV) 131,61,93,750 131,61,93,750

`moJ 6271,78,62,502 6273,83,57,000

AmpñV`m±

AZwgyMr VI :

ZH$Xs Am¡a ~¢H$ A{Veof

1. hmW ‘| ZH$Xr Am¡a ^maVr` [aOd© ~¢H$ ‘| A{Veof 7,05,464 5,85,949

2. AÝ` ~¢H$m| ‘| A{Veof - -

(H$) ^maV ‘|

i) Mmby ImVm| ‘| 36,64,76,226 25,44,93,925

ii) AÝ` {Zjon ImVm| ‘| 347,51,06,947 100,00,00,000

(I) ^maV Ho$ ~mha

i) Mmby ImVm| ‘| 8,63,47,523 1,00,00,675

ii) AÝ` O‘m ImVm| ‘| 1534,85,91,641 1389,23,89,789

`moJ 1927,72,27,801 1515,74,70,338

AZwgyMr VII :

{Zdoe[ àmdYmZm| H$mo KQ>mH$a ]

H$) amOH$mofs` n[aMmbZ

1. Ho$ÝÐ Am¡a amÁ` gaH$mam| H$s à{V^y{V`m± 378,83,78,095 276,73,22,178

2. ~¢H$m| Am¡a {dÎmr` g¨ñWmAmo§ Ho$ eo`a 23,95,12,137 24,03,41,237

3. ~¢H$m| Am¡a {dÎmr` g¨ñWmAmo§ Ho$ ~m°ÊS>²g Am¡a {S>~|Mg© 556,38,92,000 623,38,92,000

4. Am¡Úmo{JH$ à{Vð>mZm| Ho$ ñQ>m°H$, eo`a, ~m°ÊS>²g Am¡a {S>~|Mg© 250,24,16,342 253,01,08,526

5. Aënmd{Y {~b nwZ^w©ZmB© `moOZm - -

6. AÝ` 825,44,66,583 784,71,38,259

Cn-`moJ (H$) 2034,86,65,157 1961,88,02,200


(`)

55



(`)

31 ‘mM©, 2014 31 ‘mM©, 2013

I) ì`dgm` n[aMmbZ

1. ~¢H$m| Am¡a {dÎmr` g¨ñWmAmo§ Ho$ eo`a 62,56,61,440 62,56,61,440

2. ~¢H$m| Ed§ {dÎmr` g¨ñWmAmo§ Ho$ ~m°ÊS>²g Am¡a {S>~|Mg© 26,77,312 26,77,312

3. Am¡Úmo{JH$ à{Vð>mZm| Ho$ ñQ>m°H$, eo`a, ~m°ÊS>²g Am¡a {S>~|Mg© 607,02,49,879 631,94,46,870

4. ghm`H$ g¨JR>Zm| ‘| {Zdoe 1,04,98,800 1,04,98,800

5. AÝ` 241,33,96,897 206,16,99,657

Cn-`moJ (I) 912,24,84,328 901,99,84,079

`moJ (H$+I) 2947,11,49,485 2863,87,86,279

AZwgyMr VIII :

F$U Ed§ A{J«‘ [àmdYmZ Ho$ ~mX]

H$) {ZåZ{bpIV H$mo nwZ{d©ËV

- ~¢H$ Ed§ {dÎmr` g¨ñWmE± 40383,09,61,127 37193,36,56,036

- Aën {dÎm g¨ñWmE± 1169,52,05,368 1132,48,81,543

- J¡a ~¢{§H$J {dÎmr` H§$n{Z`m± 4749,13,22,100 5468,77,05,100

- {~bm| H$s nwZ^w©ZmB© 2956,00,00,000 -

- AÝ` (g¨gmYZ ghm`Vm) - -

Cn-`moJ (H$) 49257,74,88,595 43794,62,42,679

I) àË`j F$U

- F$U Ed§ A{J«‘ 9144,11,95,442 8021,15,56,128

- àmß` {dÎm `moOZm 2841,83,77,451 4166,07,07,253

- ^wZmE JE {~b 26,99,33,596 77,90,67,772

Cn-`moJ (I) 12012,95,06,489 12265,13,31,153

`moJ (H$+I) 61270,69,95,084 56059,75,73,832

AZwgyMr IX :

pñWa AmpñV`m§[‘yë`õmg KQ>mH$a]

1. n[aga 192,70,47,584 196,50,76,099

2. AÝ` 1,93,46,875 1,78,23,773

`moJ 194,63,94,459 198,28,99,872

56



(`)

31 ‘mM©, 2014 31 ‘mM©, 2013

AZwgyMr X :

AÝ` AmpñV`m§

Cn{MV ã`mO 704,74,90,615 538,80,83,962

A{J«‘ H$a (àmdYmZ Ho$ ~mX) 103,40,26,063 259,68,97,059

AÝ` (`64,03,96,446 H$s AmñW{JV H$a AmpñV ^r em{‘b h¡) 540,89,67,745 299,46,39,736

ì`` {Og gr‘m VH$ ~Å>o ImVo ‘| Zht S>mbm J`m h¡ 121,13,58,164 112,62,00,507

`moJ 1470,18,42,587 1210,58,21,264

AZwgyMr XI :

AmH$pñ‘H$ Xo`VmE±

i) ~¢H$ na do Xmdo, {OÝh| F$U Zht ‘mZm J`m h¡ 135,28,35,372 94,34,05,384

ii) Jma§{Q>`m| / gmI-nÌm| Ho$ ’$bñdê$n 337,45,25,203 142,36,70,719

iii) dm`Xm g¨{dXmAmo§ Ho$ ’$bñdê$n 52,69,03,816 9,59,10,287

iv) hm‘rXmar à{V~ÕVmAmo§ Ho$ ’$bñdê$n - -

v) Am§{eH$ ê$n go MwH$Vm eo`am|, {S>~|Mam| na Z ‘m§Jr JB© am{e`m| Ho$ ’$bñdê$n - -

vi) AÝ` ‘X|, {OZHo$ {bE ~¢H$ H$s AmH$pñ‘H$ Xo`Vm h¡ 5993,93,23,562 5039,76,16,268

`moJ 6519,35,87,953 5286,06,02,658

57


31 ‘mM©, 2014 31 ‘mM©, 2013

AZwgyMr XII :

ã`mO Am¡a ~Å>m

1. F$U, A{J«‘m| Am¡a {~bm| na ã`mO Ed§ ~Å>m 5383,48,58,138 4624,83,61,648

2. {Zdoe / ~¢H$ A{Veof na Am` 235,49,83,510 509,27,90,549

`moJ 5618,98,41,648 5134,11,52,197

AZwgyMr XIII :

AÝ` Am` :

1. An’«§$Q> Am¡a H$ma©dmB© ewëH$ 36,76,63,903 22,67,36,460

2. H$‘reZ Am¡a Xbmbs 2,09,46,605 2,36,29,982

3. {Zdoem| H$s {~H«$s go bm^ 80,65,45,243 104,58,78,339

4. ghm`H$ g¨ñWmAmo§ /gh`moJr g¨ñWmAmo§ go bm^m§e, Am{X Ho$ O[a`o A{O©V Am` 3,74,97,750 3,74,97,750

5. {nN>bo dfm] Ho$ nwZam§H$Z H$m àmdYmZ - -

6. AÝ` (g¨X^© : {Q>ßnUs g¨ µµµ14) 66,06,68,727 133,72,31,505

`moJ 189,33,22,228 267,09,74,036

AZwgyMr XIV :

n[aMmbZ ì`` :

H$‘©Mm[a¶m| Ho$ {bE {H$E JE ^wJVmZ Am¡a àmdYmZ 190,24,08,098 223,53,72,788

{H$am`m, H$a Am¡a {~Obs 16,62,40,563 21,70,09,341

‘wÐU Ed§ boIZ-gm‘J«r 91,79,577 92,88,164

{dkmnZ Am¡a àMma 2,76,13,901 2,73,00,920

~¢H$ H$s g¨n{Îm ‘| ‘yë`õmg /n[aemoYZ 11,82,74,218 12,87,73,913

{ZXoeH$m| H$s ’$sg, ^Îmo d ì`` 46,69,019 42,01,771

boImnarjH$m| H$s ’$sg 44,30,761 32,18,265

{d{Y à^ma 1,26,28,111 92,17,056

S>mH$, Hw$[a`a, Xya^mf, Am{X 33,28,005 31,89,560

‘aå‘V Am¡a aIaImd 9,73,95,929 6,95,47,260

~r‘m 44,51,363 52,35,173

grOrQ>rE‘EgB© H$mo A§eXmZ 18,74,75,000 7,77,50,000

AÝ` ì`` 55,56,62,592 43,06,36,443

`moJ 309,37,57,137 322,07,40,654

^maVr¶ bKw CÚmoJ {dH$mg ~¢H$31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ bm^-hm{Z ImVo H$s AZwgy{M¶m±

(`)

58


AZwgyMr XV - ‘hÎdnyU© boIm§H$Z Zr{V¶m±1. V¡`ma H$aZo Ho$ AmYma

{dÎmr` {ddaU g^r ‘hËdnyU© X¥pîQ>`m| go ^maVr` b¿mw CÚmoJ {dH$mg ~¢H$ A{Y{Z`‘, 1989, ^maVr` [aOd© ~¢H$ Ûmam {ZYm©[aV {ddoH$nyU© ‘mZXÊS>m|, ^maVr` gZXr boImH$ma g¨ñWmZ Ûmam bmJy Omar boIm ‘mZH$m| Am¡a ~¢qH$J CÚmoJ ‘| àM{bV nÕ{V`m| Ho$ AZwnmbZ ‘| V¡`ma {H$E JE h¢& O~ VH$ AÝ`Wm C{„pIV Z hmo, {dÎmr` {ddaU Eo{Vhm{gH$ bmJV nÕ{V Ho$ A§VJ©V CnM` AmYma na V¡`ma {H$E JE h¢& ~¢H$ Ûmam bmJy H$s JB© boIm Zr{V`m± {nN>bo df© à`moJ H$s JB© Zr{V`m| Ho$ AZwê$n h¢&

AmH$bZm| H$m Cn`moJ

{dÎmr` {ddaU V¡`ma H$aZo Ho$ {bE à~§YZ go Ano{jV hmoVm h¡ {H$ dh Eogo AmH$bZ Am¡a AZw‘mZ H$a|, Omo {dÎmr` {ddaU H$s VmarI ‘| AmpñV`m| Am¡a Xo`VmAm| H$s [anmoQ>© H$s JB© am{e`m|, AmH$pñ‘H$ Xo`VmAm| Ho$ àH$Q>Z Am¡a [anmoQ>© H$s Ad{Y ‘| amOñd Am¡a ì`` H$s [anmoQ>© H$s JB© am{e`m| H$mo à^m{dV H$aVo h¢& dmñV{dH$ n[aUm‘ CŠV AZw‘mZm| go {^ÝZ hmo gH$Vo h¢& boIm AZw‘mZm| ‘| {H$gr g¨emoYZ H$m {ZYm©aU g¨~§{YV boIm ‘mZH$ H$s AnojmAm| Ho$ AZwê$n {H$`m OmVm h¡&

2. amOñd {ZYm©aU

H$) Am`

i XmpÊS>H$ ã`mO g{hV ã`mO Am` H$mo CnM` AmYma na {hgm~ ‘| {b`m J`m h¡, {gdm` CZ ‘m‘bm| Ho$, Ohm§ ^maVr` [aOd© ~¢H$ Ho$ ‘mZX§S>m| Ho$ AZwgma ã`mO Am¡a/AWdm ‘ybYZ H$s {H$ñV/{~b MwH$m¡Vr VwbZnÌ H$s VmarI H$mo 90 {XZ go A{YH$ g‘` go Xo` hmo& Eogo G$U ImVm| H$s àmß` am{e/{~b {dÎm nmofU Ho$ g¨~§Y ‘| ã`mO H$mo dmñV{dH$ àm{á Ho$ AmYma na {hgm~ ‘| {b`m J`m h¡& J¡a {ZînmXH$ {Zdoem| na Am` H$mo N>mo‹S>H$a {Zdoe na ã`mO Am` H$mo CnM` AmYma na {hgm~ ‘| {b`m J`m h¡&

ii bm^ Am¡a hm{Z boIm ‘| Am`, gH$b ê$n ‘| AWm©V ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma àmdYmZm| VWm ~¢H$ H$s Am§V[aH$ Zr{V Ho$ AZwgma X~mdJ«ñV AmpñV`m| hoVw àmdYmZ O¡go AÝ` àmdYmZm| go nhbo Xem©`r JB© h¡&

iii {~bm| H$s ämwZmB©/nwZämw©ZmB© VWm O‘m à‘mUnÌ VWm dm{UpÁ`H$ nÌm| Ho$ g¨~§Y ‘| àmá ~Å>m am{e H$mo {bIVm| H$s ‘r`mX Ho$ AZwgma g¨{d^m{OV H$a {X`m J`m h¡&

iv ‘mZH$ ({ZînmXH$) AmpñV`m| Ho$ g¨~§Y ‘| dMZ~ÕVm à^ma, ~rO ny§Or/gwb^ G$U ghm`Vm na godm à^ma Am¡a am°`ëQ>r Am` H$mo CnM` AmYma na {hgm~ ‘| {b`m J`m h¡&

v Am¡Úmo{JH$ à{Vð>mZm| Am¡a {dÎmr` g¨ñWmAm| ‘| Ym[aV eo`am| na bm^m§e H$mo dgybr Ho$ níMmV Am` ‘mZm J`m h¡&

vi CÚ‘ ny§Or {Z{Y`m| go Am` H$mo dgybr AmYma na {hgm~ ‘| {b`m J`m h¡&

vii J¡a-{ZînmXH$ AmpñV`m| H$s dgybr H$mo {ZåZ{bpIV H«$‘ go {d{Z`mo{OV {H$`m J`m h¡:

(H$) J¡a-{ZînmXH$ AmpñV hmoZo H$s VmarI VH$ A{VXo` ã`mO

(I) ‘ybYZ

(J) bmJV Am¡a à^ma

(K) ã`mO Am¡a

(S>.) Xm§{S>H$ ã`mO

viii grYo g‘ZwXoeZ Ûmam G$U Am¡a A{J«‘ H$s {~H«$s go A{^bm^/hm{Z H$mo {~H«$s Ho$ g‘` {hgm~ ‘| {b`m J¶m h¡&

ix {Zdoe H$s {~H«$s ‘| bm^ `m hm{Z: {H$gr ^r loUr Ho$ {Zdoem| H$s {~H«$s ‘| bm^ `m hm{Z H$mo bm^-hm{Z boIm ‘| bo Om`m J`m h¡& VWm{n ""n[an¹$Vm VH$ Ym[aV'' loUr Ho$ {Zdoem| H$s {~H«$s na bm^ Ho$ ‘m‘bo ‘|, g‘Vwë` am{e H$mo ny§Or Ama{jV ImVo ‘| {d{Z`mo{OV H$a {X`m J`m h¡&

I) ì``

i. {dH$mg ì`` H$mo N>mo‹S>H$a eof g^r ì`` CnM` AmYma na {hgm~ ‘| {bE JE h¢& {dH$mg ì`` H$mo ZH$X AmYma na {hgm~ ‘| {b`m J`m h¡&

ii. Omar {H$E JE ~m°ÊS>m| Am¡a dm{UpÁ`H$ nÌm| na ~Å>o H$mo ~m°ÊS>m| Am¡a dm{UpÁ`H$ nÌm| H$s ‘r`mX Ho$ AZwgma n[aemo{YV H$a {X`m J`m h¡& ~m°ÊS> Omar H$aZo g¨~§Yr ì``m| H$mo ~m°ÊS>m| H$s ‘r`mX Ho$ AZwgma n[aemo{YV H$a {X`m J`m h¡&


59


3. {Zdoe

i ^maVr` [aOd© ~¢H$ Ho$ ‘m¡OyXm {Xem{ZX}em| Ho$ AZwgma, g¨nyU© {Zdoe g¨{d^mJ H$mo ""n[an¹$Vm VH$ Ym[aV'' ""{~H«$s hoVw CnbãY'' VWm ""ì`mnma hoVw Ym[aV'' H$s lo{U`m| ‘| {d^m{OV H$a {X`m J`m h¡& {Zdoem| H$m ‘yë`m§H$Z ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {H$`m J`m h¡& àËòH$ loUr Ho$ {Zdoem| H$mo nwZ: {ZåZ{bpIV ê$n ‘| dJr©H¥$V {H$`m J`m h¡ :

H$) gaH$mar à{Vämy{V`m§,

I) AÝ` AZw‘mo{XV à{Vämy{V`m§,

J) eoà,

K) {S>~|Ma VWm ~m°ÊS>,

L>) ghm`H$ g¨ñWmE§/g¨`wŠV CnH«$‘ Am¡a

M) AÝ` (dm{UpÁ`H$ nÌ, å`yMwAb ’§$S> `y{ZQ>, O‘m à‘mU nÌ Am{X)

(H$) n[an³dVm VH$ Ym[aV

n[an¹$Vm VH$ ~ZmE aIZo Ho$ CÔoí` go {H$E JE {Zdoem| H$mo ""n[an¹$Vm VH$ Ym[aV'' loUr Ho$ A§VJ©V aIm J`m h¡& Eogo {Zdoem| H$mo AO©Z bmJV na Xem©`m J`m h¡, ~eV} dh A§{H$V ‘yë` go A{YH$ Z hmo& Eogm hmoZo na àr{‘`‘ H$mo n[an¹$Vm H$s eof Ad{Y ‘| n[aemo{YV H$a {X`m J`m h¡& Bg loUr Ho$ A§VJ©V ghm`H$ H§$n{Z`m|/g¨`wŠV CnH«$‘m| ‘| {Zdoem| Ho$ ‘yë` ‘| H$‘r, AñWm`r H$mo N>mo‹S>H$a, hoVw àËòH$ {Zdoe Ho$ g¨~§Y ‘| AbJ-AbJ àmdYmZ {H$`m J`m h¡&

(I) ì`mnma hoVw Ym[aV

Aënmd{Y ‘yë`/ã`mO Xa n[adV©Z H$m bm^ CR>mVo hþE ì`mnma H$aZo Ho$ CÔoí` go {H$E JE {Zdoem| H$mo ""ì`mnma hoVw Ym[aV'' loUr ‘| aIm J`m h¡& Bg dJ© Ho$ {Zdoem| H$m g‘J« ê$n go nwZ‘y©ë`m§H$Z {H$`m J`m h¡ Am¡a {Zdb ‘yë`d¥{Õ/‘yë`õmg H$mo bm^ Am¡a hm{Z boIm ‘| {hgm~ ‘| {b`m J`m h¡ Am¡a AbJ-AbJ pñH«$nm| Ho$ ~hr ‘yë` ‘| VXZwê$n n[adV©Z H$a {X`m J`m h¡&

(J) {~H«$s hoVw CnbãY

Cn`w©ŠV Xmo lo{U`m| Ho$ A§VJ©V Z AmZo dmbo {Zdoem| H$mo ""{~H«$s hoVw CnbãY'' loUr ‘| aIm J`m h¡& Bg loUr Ho$ A§VJ©V AbJ-AbJ pñH«$nm| H$m nwZ‘y©ë`m§H$Z {H$`m J`m h¡ Am¡a CŠV dJr©H$aU ‘| go {H$gr Ho$ ^r A§VJ©V hþE {Zdb ‘yë`õmg H$mo bm^ Am¡a hm{Z boIo ‘| {hgm~ ‘| {b`m J`m h¡& {H$gr ^r dJr©H$aU Ho$ A§VJ©V {Zdb ‘yë`d¥{Õ H$mo ZOaA§XmO H$a {X`m J`m h¡& AbJ-AbJ pñH«$nm| Ho$ ~hr ‘yë` ‘| n[ad©VZ Zht {H$`m J`m h¡&

ii Omo {S>~|Ma/~m°ÊS>/eoà A{J«‘ H$s àd¥{Îm Ho$ ‘mZo JE h¢, do G$U Am¡a A{J«‘m| na bmJy gm‘mÝ` {ddoH$nyU© ‘mZX§S>m| Ho$ AYrZ h¢&

iii ~rO ny§Or `moOZm Ho$ A§VJ©V Am¡Úmo{JH$ à{Vð>mZm| ‘| gyMr go BVa {Zdoem| Ho$ g¨~§Y ‘| nyU© àmdYmZ {H$`m J`m h¡&

iv Am§V[aH$ AZw‘mo{XV Zr{V Ho$ AZwgma X~mdJ«ñV AmpñV àmdYmZ H${Vn¶ {Zdoem| na {H$`m OmVm h¡&

4. {dXoer ‘wÐm g¨ì`dhma

{dXoer ‘wÐm g¨ì`dhmam| H$mo boIm ~{h`m| ‘| g¨~§{YV {dXoer ‘wÐm ‘| XO© {H$`m J`m h¡& {dXoer ‘wÐm g¨ì`dhmam| H$m boIm§H$Z ^maVr` gZXr boImH$ma g¨ñWmZ Ûmam Omar boIm§H$Z ‘mZH$ (EEg)-11 Ho$ AZwgma {H$`m J`m h¡&

1. AmpñV`m| Am¡a Xo`VmAm| H$mo df© Ho$ A§V ‘| ^maVr` {dXoer ‘wÐm ì`mnmar g¨K Ûmam A{Ygy{MV A§{V‘ Xam| Ho$ AZwgma n[ad{V©V {H$`m J`m h¡&

2. Am` Am¡a ì`` H$mo dmñV{dH$ {dH«$`/H«$` Ho$ O[aE ‘m{gH$ A§Vambm| na n[ad{V©V {H$`m J`m h¡ Am¡a bm^ Am¡a hm{Z boIo ‘| VXZwgma {hgm~ ‘| {b`m J`m h¡&

3. {dXoer ‘wÐm Omo{I‘ Ho$ à~§YZ hoVw {dXoer ‘wÐm F$U-ì¶dñWm na nwZ‘y©ë¶m§H$Z AÝVa H$mo ^maV gaH$ma Ho$ nam‘e© go Imobo JE EH$ {deof ImVo ‘| g‘m¶mo{OV Am¡a [aH$m°S>© {H$¶m OmVm h¡&

4. ì`wËnÝZr g¨ì`dhmam| Ho$ g¨~§Y ‘| ~¢H$ ^maVr` [aOd© ~¢H$ Ho$ {Xem-{ZX}em| Ho$ AZwgma ~Mmd (hoO) boIm§H$Z H$m AZwgaU H$aVm h¡&

5. ì`wËnÝZr g¨ì`dhma

~¢H$ AnZr {dXoer ‘wÐm Xo`VmAm| Ho$ ~Mmd Ho$ {bò dV©‘mZ ‘| ‘wÐm ì`wËnÝZr g¨ì`dhmam| O¡go A§Va ‘wÐm ã`mO Xa {d{Z‘`, ‘| ì`dhma H$aVm h¡& ^maVr` [aµOd© ~¢H$ Ho$ {Xem {ZX}emZwgma ~Mmd Ho$ CÔoí` go {H$E JE CŠV ì`wËnÝZr g¨ì`dhmam| H$mo CnM` AmYma na {hgm~ ‘| {b`m OmVm h¡& AZw~§{YV én`m am{e na ì`wËnÝZr g¨ì`dhma AZw~§Ym| na AmYm[aV Xo`VmAm| H$mo VwbZ nÌ H$s VmarI na [anmoQ>© {H$`m J`m h¡&


60


6. G$U Am¡a A{J«‘

1 AmpñV`m|, AWm©V G$U VWm AÝ` ghm`Vm g¨{d^mJm| H$mo CZHo$ dgybr [aH$m°S>© Ho$ AmYma na ‘mZH$, Ad‘mZH$, g¨{X½Y Am¡a hm{Z AmpñV`m| Ho$ ê$n ‘| dJr©H¥$V {H$`m J`m h¡& AmpñV`m| Ho$ {bE àmdYmZ ^maVr` [aOd© ~¢H$ Ûmam Omar {ddoH$nyU© ‘mZX§S>m| ‘| {d{hV ‘mZX§S>m| Ho$ AZwgma {H$`m J`m h¡&

2 VwbZ nÌ ‘| C{„pIV A{J«‘, J¡a-{ZînmXH$ AmpñV`m| Ho$ {bE {H$E JE àmdYmZm| H$mo KQ>mH$a h¢&

3 ‘mZH$ AmpñV`m| Ho$ g¨~§Y ‘| gm‘mÝ` àmdYmZ ^maVr` [aOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwgma {H$E JE h¢&

4 ^maVr¶ [a‹Od© ~¢H$ Ho$ {Xem-{ZX}em| Ho$ AZwgma ‘mZH$ AmpñV¶m| na gm‘mÝ¶ àmdYmZm| Ho$ A{V[a³V {ddoH$nyU© Cnm¶ Ho$ Vm¡a na ~¢H$ Am§V[aH$ AZw‘mo{XV Zr{V Ho$ AZwgma H${Vn¶ Eogr ‘mZH$ AmpñV¶m| Ho$ g§~§Y ‘| A{V[a³V àmdYmZ H$a ahm h¡, Omo X~mdJ«ñV AmpñV¶m| Ho$ dJ© ‘| AmVr h¢ & X~mdJ«ñV AmpñV¶m| hoVw àmdYmZ H$s Am§V[aH$ Zr{V H${Vn¶ g§{d^mJm| Ho$ g§~§Y ‘| Omo{I‘ ~moY/Omo{I‘ j‘Vm VWm bm^ H$s CnbãYVm na AmYm[aV h¡ & ^maVr¶ [a‹Od© ~¢H$ Ho$ {ZXoemZwgma 31 {Xgå~a 2013 Ho$ ~mX go amÁ¶ {dËVr¶ {ZJ‘m|, Aën {dËV g§ñWmAm| VWm àË¶j {dËV g§{d^mJ Ho$ ‘mZH$-{d{eîQ> X~mdJ«ñV ImVm| ‘| ImVm-{d{eîQ> àmdYmZ H$aZo H$s àUmbr g‘mßV H$aZo H$m {ZU©¶ {H$¶m J¶m h¡ & (XoI| boIm Ed§ ^maVr¶ [a‹Od© ~¢H$ àH$Q>Z g§. I (O) H$s {Q>ßnUr H$s {Q>ßnUr g§. 16 &)

7. H$amYmZ

(i) H$a g¨~§Yr ì`` ‘| dV©‘mZ H$a Am¡a AmñW{JV H$a, XmoZm| em{‘b h¢& dV©‘mZ Am`H$a H$s JUZm Am`H$a A{Y{Z`‘ Ho$ AZwgma Am`H$a àm{YH$m[a`m| H$mo AXm H$s OmZo dmbr g¨^m{dV am{e Ho$ AmYma na H$s OmVr h¡&

(ii) AmñW{JV Am`H$a, df© H$s H$a-`mo½` Am` VWm boIm§H$Z Am` Ho$ ‘Ü` dV©‘mZ df© Ho$ g‘`m§Vamb Am¡a nyd©dVr© dfm] Ho$ g‘`m§Vambm| Ho$ àË`mdV©Z Ho$ à^md H$mo Xem©Vm h¡& AmñW{JV H$a H$s JUZm VwbZnÌ H$s VmarI VH$ A{Y{Z`‘ AWdm `Woï> ê$n ‘| A{Y{Z`{‘V H$a-H$mZyZm| Am¡a H$a H$s Xam| Ho$ AmYma na H$s JB© h¡&

(iii) AmñW{JV H$a AmpñV`m± Ho$db Cg gr‘m VH$ {ZYm©[aV H$s JB© h¢, {Og gr‘m VH$ `h g‘w{MV {dídmg h¡ {H$ ^{dî` ‘| n`m©á H$a-`mo½` Am` hmoJr, {OgHo$ à{V Eogo AmñW{JV H$a H$s dgybr hmo gH$Vr h¡& nyd©dVr© dfm] H$s A{ZYm©[aV AmñW{JV AmpñV`m| H$m Cg gr‘m VH$ nwZ‘y©ë`m§H$Z Am¡a {ZYm©aU {H$`m J`m h¡, {Og gr‘m VH$ `h g‘w{MV {dídmg h¡ {H$ ^{dî` ‘| n`m©á H$a-`mo½` Am` hmoJr, {OgHo$ à{V Eogr AmñW{JV H$a AmpñV`m| H$s dgybr hmo gH$Vr h¡&

8. à{VämyVrH$aU

~¢H$ H«o${S>Q> aoqQ>J `wŠV gyú‘, b¿mw Am¡a ‘Ü`‘ CÚ‘ AmpñV g‘yhm| H$mo ~¢H$m|/J¡a-~¢qH$J {dÎmr` H§$n{Z`m| go {deof à`moOZ g¨ñWm Ûmam Omar nmg-W«y-à‘mUnÌm| Ho$ O[aE IarXVm h¡& Bg àH$ma Ho$ à{VämyVrH$aU g¨ì`dhma {Zdoe Ho$ ê$n ‘| dJr©H¥$V {H$`o OmVo h¢ Am¡a {Zdoe Ho$ CÔoí` Ho$ AmYma na CZH$m AmJo dJr©H$aU ì`mnma hoVw Ym[aV/{dH«$` hoVw CnbãY Ho$ ê$n ‘| {H$`m OmVm h¡&

~¢H$ {Ûnjr` grYo g‘ZwXoeZ Ho$ A§VJ©V gyú‘, b¿mw Ed§ ‘Ü`‘ CÚ‘m| Ho$ loUr{ZYm©[aV AmpñV g‘yh IarXVm h¡& Eogo grYo g‘ZwXoeZ g¨ì`dhmam| H$mo ~¢H$ Ûmam "A{J«‘' Ho$ ê$n ‘| boIm§{H$V {H$`m OmVm h¡&

~¢H$ grYo g‘ZwXoeZ Ûmam G$U Ed§ A{J«‘ H$s {~H«$s H$aVm h¡& A{YH$Va ‘m‘bm| ‘| ~¢H$ BZ boZ-XoZm| Ho$ A§VJ©V ~oMo JE G$U Ed§ A{J«‘ H$s g{d©g H$aZm Omar aIVm h¡ VWm ~oMo JE G$U Ed§ A{J«‘ na Adeof ã`mO H$m hH$Xma hmoVm h¡& AmpñV`m| na {Z`§ÌU Ho$ g‘n©U Ho$ {gÕm§V Ho$ AmYma na grYo g‘ZwXoeZ Ho$ A§VJ©V ~oMr JB© AmpñV`m| H$mo ~¢H$ H$s ~{h`m| Ho$ {hgm~ go {ZH$mb {X`m OmVm h¡& ~¢H$ dMZ nÌ Ho$ ê$n ‘| ^r G$U-d¥{Õ àXmZ H$aVm h¡& ~¢H$ Ûmam G$U-d¥{Õ àXmZ {H$E OmZo `m Aml` Xm{`Ëd ñdrH$ma {H$E OmZo Ho$ g¨~§Y ‘| ""EEg29- àmdYmZ, AmH$pñ‘H$ Xo`VmAm| Am¡a AmH$pñ‘H$ AmpñV`m|'' Ho$ AZwgma Cn`wŠV àH$Q>Z {H$`m OmVm h¡&

~oMo JE G$Um| Ed§ A{J«‘m| na Adeof Am` H$mo A§V{Z{h©V G$Um| Ed§ A{J«‘m| Ho$ OrdZH$mb Ho$ AZwgma {hgm~ ‘| {b`m Om ahm h¡&

9. AmpñV nwZ{Z©‘m©U H§$n{Z`m| (E Ama gr) H$mo {dÎmr` AmpñV`m| H$s {~H«$s

(i) J¡a {ZînmXH$ AmpñV`m| H$s {~H«$s ZH$X AmYma na AWdm à{Vämy{V àm{á (EgAma) ‘| {Zdoe AmYma na H$s OmVr h¡& EgAma AmYma na {~H«$s Ho$ ‘m‘bo ‘|, {~H«$s à{V’$b AWdm CgHo$ ^mJ H$mo à{Vämy{V àm{á Ho$ ê$n ‘| {Zdoe g‘Pm OmVm h¡&

(ii) `{X AmpñV H$s {~H«$s {Zdb ~hr ‘yë` (AWm©V ~hr ‘yë` ‘| go Ym[aV àmdYmZ KQ>mZo na àmá ‘yë`) go H$‘ na H$s OmVr h¡, Vmo H$‘r H$mo bm^-hm{Z boIm Ho$ Zm‘o {H$`m OmVm h¡& `{X {~H«$s ‘yë` {Zdb ~hr ‘yë` go A{YH$ h¡, Vmo Ym[aV ~oer àmdYmZ H$mo à{Vd{V©V Zht {H$`m OmVm h¡, ~pëH$ CgH$m Cn`moJ AÝ` J¡a-{ZînmXH$ AmpñV`m| H$s {~H«$s go CËnÝZ H$‘r/hm{Z H$s ny{V© Ho$ {bE {H$`m OmVm h¡&


61


10. ñQ>m’$ Ho$ {hVmW© àmdYmZ

H$. godm{Zd¥{Îm níMmV bm^

(i) ^{dî` {Z{Y ~¢H$ Ûmam MbmB© Om ahr EH$ {ZYm©[aV A§eXm`r `moOZm h¡ Am¡a Cg‘| {H$E JE A§eXmZ df© Ho$ bm^ Am¡a hm{Z boIo na à^m[aV hmoVo h¢&

(ii) J«oÀ`wQ>r Xo`Vm VWm n|eZ Xo`Vm {ZYm©[aV bm^H$mar Xm{`Ëd h¢ Am¡a AÝ` XrK©H$m{bH$ H$‘©Mmar bm^, O¡go- j{Vny[aV AZwnpñW{V`m§, godm{Zd¥{Îm níMmV {M{H$Ëgm bm^, Nw>QQ>r {H$am`m [a`m`V Am{X H$m àmdYmZ EH$ ~r‘m§{H$H$ ‘yë`m§H$Z Ho$ AmYma na ha {dÎmr` df© Ho$ A§V ‘| {H$`m OmVm h¡, Omo AZw‘m{ZV BH$mB© O‘m nÕ{V na AmYm[aV hmoVm h¡&

(iii) ~r‘m§{H$H$ bm^/hm{Z VËH$mb bm^-hm{Z boIo ‘| XO© {H$E OmVo h¢ Am¡a AmñW{JV Zht {H$E OmVo h¢&

(iv) ñd¡pÀN>H$ godm{Zd¥{Îm `moOZm Ho$ A§VJ©V {H$E JE ämwJVmZ H$m ì`` {Og df© hmoVm h¡, Cgr df© Ho$ bm^-hm{Z boIo ‘| Cgo à^m[aV {H$`m OmVm h¡&

I. godm - H$m{bH$ (Aënmd{Y) bm^

Aënmd{Y bm^m| go CËnÝZ Xo`Vm H$m {ZYm©aU J¡a-~Å>m AmYma na hmoVm h¡ Am¡a Cg godm Ad{Y Ho$ g¨~§Y ‘| hmoVm h¡, {OgHo$ H$maU H$‘©Mmar Eogo bm^ H$m hH$Xma ~ZVm h¡&

11. pñWa AmpñV`m§ Am¡a ‘yë`õmg

H$) pñWa AmpñV`m§ ‘yë`õmg KQ>mH$a Xem©B© JB© h¢&

I) nyao df© Ho$ {bE ‘yë`õmg H$m àmdYmZ, ny§OrH$aU H$s {V{W H$moB© ^r hmoZo na, {ZåZdV {H$`m J`m h¡:

(i) ’$Zr©Ma Am¡a {’$ŠñMa: ~¢H$ Ho$ ñdm{‘Ëd dmbr AmpñV`m§ - 100 à{VeV H$s Xa go

(ii) H$åß`yQ>a VWm H§$ß`yQ>a gm°âQ>doà - 100 à{VeV H$s Xa go

(iii) ^dZ-‘yë`õm{gV ‘yë` nÕ{V na - 5 à{VeV H$s Xa go

(iv) {dÚwV g¨ñWmnZmE§: ~¢H$ Ho$ ñdm{‘Ëd dmbr AmpñV`m§ - ‘yë`õm{gV ‘yë` nÕ{V na - 50 à{VeV H$s Xa go

(v) ‘moQ>a H$ma - grYr aoIm nÕ{V - 50 à{VeV H$s Xa go

J) dñVwAm| Ho$ Ow‹S>md na ‘yë¶õmg H$m àmdYmZ nyao df© Ho$ {bE hmoVm h¡ {H$ÝVw {~H«$s/{ZnQ>mZ Ho$ df© Ho$ {bE ‘yë¶ømg Zhr hmoVm&

K) nÅ>mYm[aV ämy{‘ H$m n[aemoYZ nÅ>o H$s Ad{Y n`ªV {H$`m OmVm h¡&

12. AmH$pñ‘H$ Xo`VmAm| hoVw àmdYmZ Am¡a AmH$pñ‘H$ AmpñV`m§

O~ {nN>br KQ>ZmAm| Ho$ ’$bñdê$n H$moB© dV©‘mZ Xm{`Ëd ~ZVm h¡, g¨gmYZm| Ho$ ì`` H$s g¨^mdZm ahVr h¡ Am¡a Xm{`Ëd H$s am{e Ho$ {df` ‘| {dídgZr` AZw‘mZ {H$`m Om gH$Vm h¡, V~ JUZm ‘| n`m©á gr‘m VH$ AZw‘mZ H$aVo hþE àmdYmZ {H$ò OmVo h¢& {dÎmr` {ddaUm| ‘| AmH$pñ‘H$ AmpñV`m| H$m Z Vmo {ZYm©aU hmoVm h¡ Z hr àH$Q>Z& AmH$pñ‘H$ Xo`VmAm| hoVw àmdYmZ Zht {H$`m OmVm Am¡a VwbZ nÌ ‘| CZH$m àH$Q>Z hmoVm h¡ VWm {ddaU VwbZ nÌ H$s AZwgy{M`m| ‘| {XE OmVo h¢&

13. AZwXmZ Ed§ gpãgS>r

gaH$ma VWm AÝ` EO|{g`m| go àmá AZwXmZ Ed§ gpãgS>r H$m boIm§H$Z, H$ama H$s eVm] Ho$ AZwgma {H$`m OmVm h¡&

14. n[aMmbZJV nÅ>m

nÅ>m g¨~§Yr {H$amò H$mo, ämwJVmZ Ho$ {bE Xo` hmoZo na, bm^ Ed§ hm{Z ImVo ‘| IM© / Am` Ho$ ê$n ‘| Xem©`m OmVm h¡&

15. AmpñV`m| H$s hm{Z

àËòH$ VwbZ-nÌ H$s {V{W H$mo AmpñV`m| H$s aI-aImd am{e`m| H$s g‘rjm H$s OmVr h¡, Vm{H$ Am§V[aH$ d ~mø H$maUm| Ho$ AmYma na {H$gr AZO©Z H$m g¨Ho$V hmo Vmo {ZåZ{bpIV H$m {ZYm©aU {H$`m Om gHo$&

A) AZO©H$ hm{Z, `{X H$moB© hmo, hoVw Ano{jV àmdYmZ, AWdm

Am) nyd©dVr© Ad{Y ‘| {MphZV AZO©Z, `{X H$moB© hmo, hoVw Ano{jV àË`mdV©Z {ZYm©aU

`{X {H$gr AmpñV H$s aI-aImd am{e dgybr `mo½` am{e go A{YH$ hmoVr h¡ Vmo AZO©H$ hm{Z H$m {ZYm©aU {H$`m OmVm h¡&


62



(`)

31 ‘mM©, 2014 31 ‘mM©, 2013

AZwgyMr XVI boIm H$s {Q>ßn{U`m§

1 AZwgyMr IV ‘| CYm[a`m| Ho$ A§VJ©V~m°ÊS> d {S>~|Ma ‘| {ZåZ{bpIV em{‘b h¢ :

H$) à{V^y{Va{hV ~m°ÊS> 13066,60,00,000 11871,60,00,000

I) ny§OsJV A{^bm^ ~m°ÊS> - -

2 AZwgyMr V ‘| AÝ` Xo`VmAmo§ Am¡a àmdYmZm| Ho$ A§VJ©V AÝ` ‘| {ZåZ{bpIV em{‘b h¢ :

H$) {gS>~s Aj‘Vm ghm`Vm {Z{Y 2,54,46,152 2,32,58,426

I) {gS>~s ñd¡pÀN>H$ ñdmñÏ` `moOZm 11,12,62,156 10,64,61,844

3 AZwgyMr ‘| AÝ` AmpñV`m| Ho$ A§VJ©V ì``, Ohm§ VH$ ~Å>o ImVo Zht S>mbo JE, ‘| {ZåZ{bpIV em{‘b h¢ :

H$) Ama~rAmB© EZAmB©gr (EbQ>rAmo) Ho$ ^maV gaH$ma Ho$ ~m°ÊS>m| ‘| A§VaU na àr{‘`‘ 51,69,43,890 58,15,61,877

I) A{J«‘ ê$n go AXm {H$`m J`m ~Å>m - dm{UÁ` nÌ 63,71,54,031 48,34,57,839

J) Aà{V^yV ~m°ÊS> Omar H$aZo na ì`` 572,60,243 6,11,80,791

4 ã`mO d {dËVr` à^ma

H$) CYm[a`m| na ã`mO 1923,30,15,964 1769,86,27,543

I) O‘m na ã`mO 1053,18,29,112 962,24,56,338

J) {dËVr` à^ma 360,60,67,023 307,14,39,307

`moJ 3337,09,12,099 3039,25,23,188

5 AàmdYm{ZV ny§Os ImVo na {Zînm{XV {H$E OmZo Ho$ {bE eof g¨{dXmAmo§ H$s AZw‘m{ZV am{e (àXËV A{J«‘ H$mo N>mo‹S>H$a)

3,16,59,234 11,60,52,657

6 n[aga ‘| n[aga A{^J«hU go g¨~§{YV A{J«‘ am{e`m§ `22,26,552 ({nN>bo df© - `42,11,298) Ed§ à{H«$`mYrZ ny§OrJV H$m`© go g¨~§{YV `7,99,28,334 ({nN>bo df© - `16,76,89,229) em{‘b h¢ &

7 OmnmZ B§Q>aZoeZb H$moAm°naoeZ EO|gr (OmBH$m) ({Ogo nhbo OmnmZ ~¢H$ Am’$ B§Q>aZoeZb H$moAm°naoeZ -Oo~rAmB©gr Ho$ Zm‘ go OmZm OmVm Wm) go F$U ì`dñWm V Ho$ A§VJ©V àmßV 30 {~{b`Z OmnmZr `oZ Ho$ {dXoer ‘wÐm CYma Ho$ g¨~§Y ‘| ^maV gaH$ma Ho$ gmW gh‘V eVm}§ Ho$ AZwgma {d{Z‘` Xa CVma-M‹T>md {Z{Y (B©AmaE’$E’$) g¥{OV H$s JB© h¡ Ed§ Cgo {dXoer ‘wÐm CVma M‹T>md Ama{j{V {Z{Y ‘| em{‘b {H$`m J`m h¡ & {dXoer ‘wÐm ‘| CVma-M‹T>md Ho$ H$maU ‘ybYZ ImVo ‘| AmE `4,62,85,94,913 ({nN>bo df© - ` 4,94,20,18,504) Ho$ A§Va H$mo ^maV gaH$ma H$s AZw‘{V Ho$ AZwê$n {d{Z‘` Xa CVma-M‹T>md {Z{Y ‘| g‘m`mo{OV {H$`m J`m h¡ & `{X ^{dî` ‘| Oê$ar hwAm, Vmo {Z{Y ImVo ‘| ^maV gaH$ma Ho$ {ZXoemZwgma g‘m`moOZ {H$`m OmEJm & `{X {Z{Y ‘| A{Veof An`m©ßV ahVm h¡, Vmo BgH$m Xmdm ^maV gaH$ma go {H$`m OmEJm &

8 OmBH$m F$U IV Ho$ A§VJ©V ^maV gaH$ma go àmßV `4,36,08,88,828 ({nN>bo df© - ` 4,79,69,77,710) H$s CYmar H$mo VwbZnÌ ‘| AZwgyMr IV - CYm[a`m| ‘| AnZo Eo{Vhm{gH$ én¶o ‘yë` ‘| AJ«oZrV {H$`m J`m h¡, Š`m|{H$ H$ama Ho$ A§VJ©V {gS>~s H$s ‘ybYZ MwH$m¡Vr H$s Xo`Vm én`o ‘| F$U Am¡a Bg F$U Ho$ {bE aIo JE B©AmaE’$E’$ Ho$ eof Ho$ `moJ go A{YH$ hmoZo H$s Anojm Zht H$s OmVr h¡ & Bg F$U Ho$ {bE aIo B©AmaE’$E’$ ‘| 31 ‘mM©, 2014 H$mo eof ` 3,68,63,08,330 ({nN>bo df© - `3,98,57,63,489) h¡ &

9 AZwgyMr XIII ‘| Xr JB© - {dÎm df© 2013-14 hoVw "AÝ` Am`' ‘| nyd© Ad{Y H$s Am` `1,39,39,865 ({nN>bo df© - `2,21,88,707) em{‘b h¡ VWm AZwgyMr XIV Ho$ AÝ` ì`` {dËV df© 2013-14 hoVw "n[aMmbZJV ì``m|' ‘| nyd© Ad{Y H$s ì`` am{e `4,87,92,475 {nN>bo df© - `1,42,12,033 em{‘b h¡ &

63


10 ~¢H$ Zo {díd ~¢H$ go 300 {‘{b`Z S>mba H$s F$U-ì`dñWm H$s g¨{dXm H$s h¡& `h {Q>H$mD$ Am¡a CËVaXm{`Ëd nyU© Aën{dÎm n[a`moOZm H$mo ~‹S>o n¡‘mZo na MbmZo Ho$ {bE h¡ & Bg‘| 65.9 {‘{b`Z EgS>rAma (100 {‘{b`Z A‘o[aH$s S>mba Ho$ ~am~a) H$m AmB©S>rE H$m {hñgm ^r em{‘b h¡ & AmB©S>rE F$U-ì`dñWm Ho$ A§VJ©V ^maV gaH$ma CYmaH$Vm© h¡ Am¡a ^maV gaH$ma {gS>~s H$mo én`m F$U XoVr h¡, `Ú{n H$ama H$s eVm}§ Ho$ AZwê$n {d{Z‘` OmopI‘ H$m dhZ {gS>~s Ûmam {H$`m OmZm Ano{jV h¡ & Bg àH$ma `Ú{n ^maV gaH$ma Zo {gS>~s H$mo én`m X§S> Omar {H$`m, Bgo {gS>~s Ho$ ImVm| ‘| ghr pñW{V Xem©Zo hoVw EgS>rAma Xo`Vm Ho$ ê$n ‘| XO© {H$`m J`m, Vm{H$ df© Ho$ A§V ‘| Am§H$‹S>m| ‘| nwZ‘y©ë`m§H$Z A§Va Cn`wŠV ê$n go àX{e©V hmo & VXZwgma CŠV F$U-ì`dñWm Ho$ A§VJ©V 31 ‘mM© 2013 VH$ 94.59 {‘{b`Z A‘o[aH$s S>mba (`485.30 H$amo‹S> Ho$ ~am~a) JV df© 94.47 {‘{b`Z A‘o[aH$s S>mba (`469.69 H$amo‹S> Ho$ ~am~a) Ho$ AmhaU H$mo ^maV gaH$ma Ho$ à{V én`m Xo`Vm Ho$ ê$n ‘| XO© {H$`m J`m h¡ VWm {d{Z‘` OmopI‘ H$m ~Mmd {gS>~s Ûmam ‘wÐm ã`mO Xa {d{Z‘` Ho$ O[aE {H$`m Om ahm h¡ & Bgo AZwgyMr IV - ^maV ‘| CYm[a`m§ Ho$ A§VJ©V g‘y{hV {H$`m J`m h¡ &

11 ^maV gaH$ma Zo {gS>~s ‘| `300 H$amo‹S> H$s g‘yh {Z{Y dmbs ""B§{S>`m ‘mBH«$mo’$mBZmÝg B©p³dQ>r {Z{Y'' g¥{OV H$s h¡ & Bg {Z{Y H$m Cn`moJ gm‘m{OH$ éPmZ dmbs N>moQ>r ‘mBH«$mo’$mBZmÝg H§$n{Z`m| na Ü`mZ Ho|${ÐV H$aVo hwE, {Q>à - II VWm {Q>à - III H$s CZ J¡a ~¢qH$J {dËVr` H§$n{Z`m| d ‘mBH«$mo’$mBZmÝg g¨ñWmAmo§ VWm ZmZ-J¡a ~¢qH$J {dËVr` H§$n{Z`m| d ‘mBH«$mo’$mBZmÝg g¨ñWmAmo§ H$mo B©pŠdQ>r ghm`Vm AWdm {H$gr AÝ` ê$n ‘| ny§Os àXmZ H$aVo hwE {H$`m OmEJm, {OZH$m bú` Jar~s CÝ‘ybZ VWm Xoe Ho$ Ago{dV Am¡a Aëngo{dV ^mJm| ‘| n[aMmbZm| H$m XrKm©d{Y {Q>H$mD$nZ hm{gb H$aZm h¡ & Bg {Z{Y H$m n[aMmbZ/à~§YZ {gS>~s Ûmam {H$`m OmVm h¡, {Og hoVw {gS>~s H$mo EH$ àemg{ZH$ ewëH$ àmßV hmoVm h¡ & gmW hs, AmJ‘ d {ZJ©‘ am{e`m| H$mo X§S> ‘| S>o{~Q>/H«o${S>Q> {H$`m OmVm h¡ & AV:, {Zdoe H$mo hQ>mH$a AmB©E‘B©E’$ X§S> H$m eof, VwbZnÌ H$s ""AÝ` Xo`VmAmo§'' Ho$ A§VJ©V dJr©H¥$V {H$`m J`m h¡ VWm g^s bm^ / hm{Z`m§ /Am`/ì`` Bg {Z{Y H$m {hñgm h¢ &

12 ~¢H$ Zo Hw$b `379,00,00,000 (~hs ‘yë` `366,00,14,453) JV df© `1,04,00,00,000 (~hs ‘yë` `1,02,34,03,203) H$s ^maV gaH$ma H$s à{V^y{V`m| Am¡a QóOar {~bm| H$mo g¨nmíduH¥$V CYma Ed§ F$U ~mÜ`Vm (gr~sEbAmo) hoVw Šbs`[a¨J H$mnm}aoeZ Am°’$ B§{S>`m {b. Ho$ nmg {Jadr aIm h¡& gmW hs, ~¢H$ Zo AmB©S>r~sAmB© ~¢H$ Ho$ gmW H$m`©erb ny§Os ì`dñWm Ho$ A§VJ©V AnZo n[aMmbZm| Ho$ {bE AmB©S>r~sAmB© ~¢H$ Ho$ nmg gmd{Y O‘m am{e`m§ aIs h¢ &

13 hoqOJ aUZr{V Ho$ {hñgo Ho$ ê$n ‘| ~¢H$ Zo {d{^ÝZ F$U ì`dñWmAmo§ Ho$ A§VJ©V Amh[aV {dXoer ‘wÐm {Z{Y`m| H$mo AZwgy{MV dm{UÁ` ~¢H$m| ‘| aIm h¡ Am¡a BZ {Zjonm| Ho$ à{V ^maVr` énò ‘| F$U AmodaS´>mâQ> H$s gw{dYm bs h¡& BZ CYmam| Ho$ A§VJ©V 31 ‘mM©, 2014 H$mo ~H$m`m am{e `9,051,790,000 (JV df© `9,39,96,39,669) Wr & BZ {Zjonm| na àmß` ã`mO AÝV{Z©{hV Xo`VmAmo§ na Xo` ã`mO go ‘ob ImVm h¡ &

14 AÝ` Am` ‘| - {dJV dfm}§ ‘| ~Å>o ImVo S>mbo JE A{J«‘m| go dgyb hwE `52.33 H$amo‹S> (JV df© `73.26 H$amo‹S>) em{‘b h¢ &

15 H${Vn` A{YH$mar âb¡Q>m| Ho$ hñVm§VaU {dboI {d{YH$ ‘m‘bo b§{~V hmoZo Ho$ H$maU {Zînm{XV Zht {H$E JE h¢ & 31 ‘mM©, 2014 H$mo BZ âb¡Q>m| H$m {Zdb ‘yë`õm{gV ‘yë` `9,17,84,508 (JV df© - `9,66,15,272) h¡ &

16 ^maVr` [a‹Od© ~¢H$ Ho$ {ZXoemZwgma 31 {Xg§~a 2013 Ho$ ~mX go amÁ` {dËVr` {ZJ_m|, Aën {dËV g§ñWmAm| VWm àË`j {dËV g§{d^mJ Ho$ _mZH$ {d{eîQ> X~mdJ«ñV ImVm| _| ImVm {d{eîQ> àmdYmZ H$aZo H$s àUmbr H$mo g_mßV H$aZo H$m {ZU©` {b`m J`m h¡. `Wm 31 {Xg§~a 2013 H$mo Ym[aV X~mdJ«ñV AmpñV`m| H$m àmdYmZ ` 3249.70 H$amo‹S> Ho$ Mb àmdYmZ Ho$ ê$n _| dJuH¥$V {H$`m J`m h¡ {Og_| go ` 615.48 H$amo‹S> Ho$ Mb àmdYmZ H$m Cn`moJ EH$ amÁ` {dËV {ZJ_ H$s J¡a {ZînmXH$ AmpñV`m| (` 609.79 H$amo‹S>) Ed§ EH$ Aën {dËV g§ñWm (` 5.70 H$amo‹S>) H$s J¡a {ZînmXH$ AmpñV`m| Ho$ àmdYmZ _| ^maVr` [a‹Od© ~¢H$ Ho$ {ZXoem| H$s àmpßV Ho$ nyd© {H$`m J`m. ^maVr` [aµOd© ~¢H$ Ho$ 7 \$adar 2014 Ho$ n[anÌ g§»`m S>r ~r Amo S>r g§ ~r nr 95/21.4.48 Ho$ AZwê$n `h df© 2014 _| J¡a {Zînm{XV AmpñV _| ê$nm§V[aV hmo J`m Am¡a `h Ym[aV Mb àmdYmZ Ho$ 33% gr_m Ho$ ^rVa h¡. AmJo 31 _mM© 2014 H$mo g_mßV df© Ho$ {bE bm^ hm{Z ImVo Ho$ A§VJ©V {H$ò JE àmdYmZm| H$mo nwZam§H$Z H$aZo Ho$ níMmV g_m`mo{OV {H$`m J¶m h¢&

17 AmB©E’$ES>r Zo, 18 ’$adar, 2002 Ho$ F$U H$ama Ho$ ‘mÜ`‘ go, {gS>~s H$mo 16.35 {‘{b`Z EgS>rAma H$m {dXoer ‘wÐm F$U {X`m h¡ & F$U H$ama H$s eVm] Ho$ AZwgma, AmB©E’$ES>r Zo `yEg S>mba ‘| F$U g¨{dVaU {H$`m h¡ Am¡a BgH$s MwH$m¡Vr EgS>rAma Ho$ g‘Vwë` `yEg S>mba ‘| H$s OmZr h¡ & ~¢H$ Zo AnZr boIm ~{h`m| ‘| VXZwgma boIm§H$Z {H$`m h¡ &

18 ~¢H$ Zo àË`j g‘ZwXoeZ Ho$ A§VJ©V AnZo A{J«‘ g¨{d^mJ (àË`j) H$m {dH«$` H$a {X`m & {ZåZ{bpIV gma{U`m§, {Z{X©îQ> Ad{Y`m| Ho$ {bE, ~¢H$ Ûmam àdV©H$ Ho$ ê$n ‘| {H$E JE àË`j g‘ZwXoeZ H$m`©H$bmn Xem©Vr h¢& (`)

{ddaU 31 ‘mM©, 2014 31 ‘mM©, 2013

Ama§{^H$ eof 86,78,63,862 197,46,04,691

àË`j ê$n go g‘ZwXo{eV Hw$b F$U AmpñV`m| H$s g¨»`m - -

àË`j ê$n go g‘ZwXo{eV F$U AmpñV`m| H$m ~hs ‘yë` - -

àË`j ê$n go g‘ZwXo{eV F$U AmpñV`m| go àmßV {dH«$` ‘yë` am{e - -

àË`j g‘ZwXoeZ Ho$ H$maU {Zdb bm^ / (hm{Z) - -

^maVr¶ bKw CÚmoJ {dH$mg ~¢H$31 ‘mM©, 2014 H$m VwbZ-nÌ H$s AZwgy{M¶m±

64


19

(H$)

H$‘©Mmar bm^""H$‘©Mmar bm^'' (EEg 15) (2005 ‘| g¨emo{YV) na B§ñQ>rQ>çyQ> Am°’$ MmQ>©S>© EH$mC§Q>|Q²g Am°’$ B§{S>`m Ûmam Omar boIm ‘mZH$ Ho$ AZwgma ~¢H$ Ûmam AnZo H$‘©Mm[a`m| H$mo Xr Om ahs gw{dYmAmo§ H$mo {ZåZ àH$ma go dJr©H¥$V {H$`m J`m h¡ :

gwn[a^m{fV A§eXmZ `moOZm

^{dî` {Z{Y

~¢H$ Zo {ZåZ{bpIV am{e`m| H$mo bm^ Ed§ hm{Z ImVo ‘| {ZYm©[aV {H$`m h¡, {OÝh| ^{dî` {Z{Y ‘| A§eXmZ Ho$ A§VJ©V em{‘b {H$`m J`m h¡ : (`)

{ddaU 31 ‘mM©, 2014 31 ‘mM©, 2013

^{dî` {Z{Y ‘| {Z`moŠVm H$m A§eXmZ 4,50,21,831 4,43,46,490

(I) ~¢H$ H$s gwn[a^m{fV bm^ n|eZ Ed§ J«oÀ`wQ>r `moOZmE§ h¢, {OZH$m à~§YZ Q´ñQ> Ho$ O[aE {H$`m OmVm h¡ &(` H$amo‹S>)

n|eZ J«oÀ¶wQ>r

{dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2014 {dÎmr¶ df© 2013

1. nydm©Zw‘mZ

^wZmB© Xa - {nN>bs 8.00% 8.50% 8.00% 8.50%

`moOZmJV AmpñV`m| na à{V’$b H$s Xa - {nN>bs 8.70% 8.60% 8.70% 8.60%

doVZ ~‹Tµ>moVar - {nN>bs 7.00% 5.50% 7.00% 5.50%

^wZmB© Xa - Mmby 9.29% 8.00% 9.32% 8.00%

`moOZmJV AmpñV`m| na à{V’$b H$s Xa - Mmby 8.70% 8.70% 8.70% 8.70%

doVZ ~‹T>moVar - Mmby 7.00% 7.00% 7.00% 7.00%

2. bm^ Xo`Vm ‘| n[adV©Z Xem©Zo dmbs Vm{bH$m

df© Ho$ Ama§^ ‘| Xo`Vm 218.85 155.95 68.08 56.24

ã`mO bmJV 17.51 13.26 5.45 4.78

dV©‘mZ godm bmJV 10.26 13.84 4.26 2.42

{nN>bs godm bmJV (J¡a {Z{hV bm^) 0.00 0.00 0.00 0.00

{nN>bs godm bmJV ({Z{hV bm^) 0.00 0.00 0.00 0.00

Xo`Vm A§VaU AmJ‘ 0.00 0.00 0.00 0.00

(Xo`Vm A§VaU {ZJ©‘) 0.00 0.00 0.00 0.00

(àXËV bm^) (4.75) (2.83) (3.46) (1.99)

Xo`VmAmo§ na ~r‘m§{H$H$ (bm^) / hm{Z (20.77) 38.64 (11.75) 6.63

df© Ho$ A§V ‘| Xo`Vm 221.08 218.85 62.57 68.08


65


n|eZ J«oÀ¶wQ>r


3. `moOZmJV AmpñV`m| Ho$ C{MV ‘yë` g¨~§Yr Vm{bH$mE§

df© Ho$ Ama§^ ‘| `moOZmJV AmpñV`m| H$m C{MV ‘yë` 74.12 66.58 68.86 44.92

`moOZmJV AmpñV`m| na Ano{jV à{V’$b 6.45 5.73 5.99 3.86

A§eXmZ 4.13 3.94 23.20 21.41

AÝ` H§$nZr go A§VaU 0.00 0.00 0.00 0.00

(AÝ` H§$nZr H$mo A§VaU) 0.00 0.00 0.00 0.00

(àXËV bm^) (4.75) (2.83) (3.46) (1.99)

`moOZmJV AmpñV`m| na ~r‘m§{H$H$ bm^ / (hm{Z) 0.32 0.70 0.62 0.65

df© Ho$ A§V ‘| `moOZmJV AmpñV`m| H$m C{MV ‘yë` 80.27 74.12 95.21 68.86

{ZYm©[aV {H$`m OmZo dmbm Hw$b ~r‘m§{H$H$ bm^ (hm{Z) 21.09 (37.94) 12.37 (5.97)

4. `moOZmJV AmpñV`m| na dmñV{dH$ à{V’$b

`moOZmJV AmpñV`m| na Ano{jV à{V’$b 6.45 5.73 5.99 3.86

`moOZmJV AmpñV`m| na ~r‘m§{H$H$ bm^ / (hm{Z) 0.32 0.70 0.62 0.65

`moOZmJV AmpñV`m| na dmñV{dH$ à{V’$b 6.77 6.43 6.61 4.51

5. VwbZnÌ ‘| {ZYm©[aV H$s JB© am{e

df© Ho$ A§V ‘| Xo`Vm 80.27 74.12 95.21 68.86

df© Ho$ A§V ‘| `moOZmJV AmpñV`m| H$m C{MV ‘yë` (221.08) (218.85) (62.57) (68.08)

A§Va (140.82) (144.72) 32.64 0.78

df© Ho$ A§V ‘| A{ZYm©[aV {dJV godm bmJV 0.00 0.00 0.00 0.00

df© Ho$ A§V ‘| A{ZYm©[aV n[adVr© Xo`Vm 0.00 0.00 0.00 0.00

VwbZnÌ ‘| {ZYm©[aV H$s JB© {Zdb am{e (140.82) (144.72) 32.64 0.78

6. Am` {ddaUs ‘| {ZYm©[aV ì``

Mmby godm bmJV 10.26 13.84 4.26 2.42

ã`mO bmJV 17.51 13.26 5.45 4.78

`moOZmJV AmpñV`m| na g¨^m{dV à{V’$b (6.45) (5.73) (5.99) (3.86)

df© Ho$ Xm¡amZ {ZYm©aU ‘| bs JB© {dJV godm bmJV (J¡a {Z{hV bm^) 0.00 0.00 0.00 0.00

df© Ho$ Xm¡amZ {ZYm©aU ‘| bs JB© {dJV godm bmJV ({Z{hV bm^) 0.00 0.00 0.00 0.00

df© Ho$ Xm¡amZ n[adVr© Xo`Vm H$m {ZYm©aU 0.00 0.00 0.00 0.00

~r‘m§{H$H$ (bm^) / hm{Z (21.09) 37.94 (12.37) 5.97

bm^ Am¡a hm{Z boIm ‘| {ZYm©aU ‘| {bE JE ì`` 0.22 59.30 (8.66) 9.31


(` H$amo‹S>)

66


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7. VwbZnÌ g‘mYmZ

Ama§{^H$ {Zdb Xo`Vm 144.72 89.37 (0.08) 11.32

`WmoŠV ì`` 0.22 59.30 (8.66) 9.31

{Z`moŠVm H$m A§eXmZ (4.13) (3.94) (23.20) (21.41)

VwbZnÌ ‘| {ZYm©[aV am{e 140.82 144.72 (32.64) (0.78)

8. AÝ` {ddaU

~¢H$ H$s gyMZm Ho$ AZwgma doVZ ~‹T>moVar H$mo Ü`mZ ‘| aIm OmVm h¡, Omo H$‘©Mm[a`m| H$s nXmoÝZ{V, ‘m§J d Amny{V© Ho$ g¨~§Y ‘| CÚmoJ ‘| àM{bV na§nam Ho$ AZwê$n hmoVm h¡ &

AJbo df© (12 ‘hsZo) Ho$ {bE AZw‘m{ZV A§eXmZ 19.94 16.31 0.00 3.48

9. AmpñV`m| H$s loUs

^maV gaH$ma AmpñV`m§ 0.00 0.00 0.00 0.00

H$manmoaoQ> ~m°ÊS> 0.00 0.00 0.00 0.00

{deof O‘m `moOZm 0.00 0.00 0.00 0.00

gyMr~Õ H§$n{Z`m| Ho$ B©pŠdQ>r eo`a 0.00 0.00 0.00 0.00

g¨npËV 0.00 0.00 0.00 0.00

~r‘mH$Vm© Ûmam à~§{YV {Z{Y`m§ (^maVr` OrdZ ~r‘m {ZJ‘) 80.27 74.12 95.21 68.86

AÝ` 0.00 0.00 0.00 0.00

`moJ 80.27 74.12 95.21 68.86


(` H$amo‹S>)

10. AZw^d g‘m`moOZ

n|eZ J«oÀ¶wQ>r

{dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2012 {dÎmr¶ df© 2011 {dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2012 {dÎmr¶ df© 2011

¶moOZmJV Xo¶Vm bm^ / (hm{Z) na 24.34 (2.72) 35.64 6.91 (3.72) (0.11) 14.18 3.45

¶moOZmJV AmpñV (hm{Z) / bm^ na 0.32 0.70 5.78 1.62 0.62 0.65 (0.78) (0.26)

(J) ñdV§Ì ~r‘m§H$H$ Ûmam àXËV ~r‘m§{H$H$ ‘yë`m§H$Z na AmYm[aV AÝ` XrKm©d{Y bm^ `moOZmAmo§ go g¨~§{YV am{e`m§, Omo bm^ - hm{Z ImVo ‘| à^m[aV H$s JB©§, Bg àH$ma h¢

H«$‘m§H$ {ddaU 31 ‘mM©, 2014 H$mo 31 ‘mM©, 2013 H$mo

1 gmYmaU AdH$me ZH$XrH$aU 5.00 10.15

2 Nw>Å>r {H$am`m [a`m`V 0.45 2.58

3 ~r‘mar AdH$me 2.60 0.94

4 nwZdm©g ì`` 0.00 0.00

5 ñd¡pÀN>H$ ñdmñÏ` `moOZm (drEMEg)* 0.10 0.69

* A{Ydmg g¨~§Yr Xmdm| Ho$ 2% ~Tµ>Zo H$m AZw‘mZ {H$`m J`m h¡ &

67


H$mamo~mar I§S> àË`j {dËV AàË`j {dËV QóOar `moJ

{ddaU {dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2014 {dÎmr¶ df© 2013 {dÎmr¶ df© 2014 {dÎmr¶ df© 2013

1 I§S> amOñd 1437 1365 4118 3420 253 616 5,808 5,401

AgmYmaU ‘X| - -

`moJ 5,808 5,401

2 IÊS> n[aUm‘ 346 348 1208 825 91 111 1,645 1,284

AgmYmaU ‘X| -

`moJ 1,645 1284

A{d{ZYmZr` IM} 106 88

n[aMmbZJV bm^ 1,539 1,196

Am`H$a (nwZam§H$Z Ho$ ~mX) 421 359

{Zdb bm^ 1,118 837

3 AÝ` gyMZmE§

I§S> AmpñV`m§ 15103 12433 48355 45970 3416 2573 66,874 60,976

A{d{ZYmZr¶ AmpñV`m§ 936 872

Hw$b AmpñV`m§ 67,810 61,848

I§S> Xo`VmE§ 13246 9774 42299 41517 3104 2102 58,649 53,393

A{d{ZYmZr` Xo`VmE§ 670 820

`moJ 59,319 54,213

ny§Os / Ama{j{V`m§ 1930 2668 6179 4491 382 476 8,491 7,635

`moJ 8,491 7,635

Hw$b Xo`VmE§ 67,810 61,848

21 g¨~§{YV nmQ>r© g¨ì`dhma""g¨~§{YV nmQ>r© àH$Q>Z'' Ho$ g¨~§Y ‘| B§ñQ>rQ>çyQ>> Am°’$ MmQ>©S>© EH$mC§Q>|Q²>g Am°’$ B§{S>`m Ûmam Omar boIm ‘mZH$-18 Ho$ AZwgma, ~¢H$ Ho$ g¨~§{YV nj {ZåZdV h¢ -

H$

12

ghm`H$ g¨ñWmE§ :

{gS>~s d|Ma H¡${nQ>b {b{‘Q>oS> (EgdrgrEb)

{gS>~s Q´ñQ>r H§$nZr {b{‘Q>oS> (EgQ>rgrEb)

I

123

gh`moJr g¨JR>Z

^maVr` bKw Ed§ ‘Ü`‘ CÚ‘ AmpñV nwZ{Z©‘m©U H§$nZr (AmB©EgEAmagr)

EgE‘B© aoqQ>J EO|gr Am°’$ B§{S>`m {b{‘Q>oS> (ñ‘oam)

^maVr` bKw Ed§ ‘Ü`‘ CÚ‘ àm¡Úmo{JH$s godm {b{‘Q>oS> (AmB©EgQ>rEgEb)

20. O¡gm {H$ boIm§H$Z ‘mZH$-17 I§S> [anmo{Q>ªJ Ho$ A§VJ©V Ano{jV h¡, ~¢H$ Zo ""ì`dgm` I§S>'' H$m àH$Q>Z àmW{‘H$ I§S> Ho$ ê$n ‘| {H$`m h¡ & My§{H$ ~¢H$ ^maV ‘| n[aMmbZaV h¡, AV: [anmo{Q>ªJ `mo½` ^m¡Jmo{bH$ I§S> Zht h¢ & ~¢H$ Zo ì`dgm` I§S> Ho$ A§VJ©V àË`j {dËV, AàË`j {dËV Am¡a QóOar - ò VrZ [anmo{Q>ªJ I§S> {ZYm©[aV {H$E h¢ & ò I§S> CËnmXm| Am¡a godmAmo§ H$s àH¥${V Am¡a OmopI‘ ñdê$n, g¨JR>ZmË‘H$ T>m§Mo VWm ~¢H$ H$s Am§V[aH$ [anmo{Q>ªJ ì`dñWm na {dMma Ho$ ~mX {ZYm©[aV {H$E JE h¢ & {nN>bo df© Ho$ Am§H$‹S>m| H$mo Mmby df© H$s nÕ{V Ho$ AZwgma ~ZmZo Ho$ {bE nwZg©‘y{hV VWm nwZd©JuH¥$V {H$`m J`m h¡ & (` H$amo‹S>)


(`)

68


{dÎmr¶ df© 2013-14 {dÎmr¶ df© 2012-13

1) lr Eg. ‘whZmoV, AÜ`j Ed§ à~§Y {ZXoeH$ (08 Zd§~a, 2013 VH$) 10,92,533 26,42,975

2) lr EZ. Ho$. ‘¡Zr, Cn à~§Y {ZXoeH$ 23,79,136 21,13,512

3) lr Q>r. Ama. ~Om{b`m, Cn à~§Y {ZXoeH$ (31 {Xg§~a, 2013 VH$) 11,86,352 7,17,450

I) Cn`w©ŠV ì`pŠV`m| H$mo ‘§Ámya F$Um| H$s 31 ‘mM© H$mo ~H$m`m am{e`m§ eyÝ` eyÝ`

J) à‘wI à~§Y H$m{‘©H$m| H$mo {dËV df© Ho$ Xm¡amZ ‘§Ámya {H$E JE F$Um| na ã`mO eyÝ` eyÝ`

K) ~¢H$ Ho$ à‘wI à~§Y H$m{‘©H$m| Ho$ g¨~§Y ‘| `Wm 31 ‘mM© H$mo gmd{Y O‘m Ho$ A§VJ©V ~H$m`m eof :

{ddaU {dÎmr¶ df© 2013-14 {dÎmr¶ df© 2012-13

df© Ho$ Xm¡amZ ñdrH$ma O‘m 16,04,134 37,58,628

df© Ho$ Xm¡amZ dmngr AXm`Jr 11,25,000 8,22,743

B{V eof 56,22,762 51,43,628

df© Ho$ Xm¡amZ A{O©V ã`mO 5,90,384 4,68,552

J

1

2

3

~¢H$ Ho$ à‘wI à~§Y H$m{‘©H$ :

ls Eg. ‘whZmoV, AÜ`j Ed§ à~§Y {ZXoeH$ (8 Zd§~a, 2013 VH$)

ls EZ. Ho$. ‘¡Zr, Cn à~§Y {ZXoeH$ - à^mar

ls Q>r. Ama. ~Om{b`m, Cn à~§Y {ZXoeH$ (31 {Xg§~a, 2013 VH$)

CnamoŠV gyMr ‘| gaH$ma {Z`§{ÌV CÚ‘ em{‘b Zht h¢, Š`m|{H$ `o B§ñQ>rQ>çyQ> Am°’$ MmQ>©S>© EH$mC§Q>|Q²g Am°’$ B§{S>`m Ûmam Omar boIm ‘mZH$-18 Ho$ n[aÀN>oX 9 Ûmam Ny>Q> àmßV h¢ &

K g¨~Õ njm| Ho$ boZXoZ go g¨~§{YV {ddaU H$m àH$Q>rH$aU :

H$) df© Ho$ Xm¡amZ ~¢H$ Ho$ à‘wI à~§Y H$m{‘©H$m| H$mo àXËV gH$b doVZ, {Og‘| AZwbm^ ^r em{‘b h¢, {ZåZdV h¢ :

(`)


L> g¨~Õ nj ghm`H$ g¨ñWmE§ gh`moJr g¨ñWmE§

{ddaU EgdrgrEb EgQ>rgrEb ñ‘oam AmB©EgEAmagr AmB©EgQ>rEgEb

eo`am| ‘| {Zdoedf© Ho$ Xm¡amZ g¨ì`dhma -

(-) -

(-) -

(-) -

(-) -

(-)

df© Ho$ A§V ‘| ~H$m`m 1,00,00,000 (1,00,00,000)

5,00,000 (5,00,000)

5,10,00,000 (5,10,00,000)

15,00,00,000 (15,00,00,000)

1,00,00,000 (1,00,00,000)

àmßV Am`~¢H$ Ûmam àmßV am{e 4,88,44,394

(4,65,13,178) 90,000

(1,00,000) 62,38,551

(60,98,446) 81,96,299

(70,77,717) - -

df© Ho$ A§V ‘| àmß` am{e`m§ - (-)

- (-)

- (-)

- (-)

- (-)

ì``m| H$s à{Vny{V© ~¢H$ Ûmam XmdmH¥$V am{e 23,12,964

(5,41,674) -

(-) -

(-) 43,45,513 (6,48,640)

18,61,469 (38,52,852)

df© Ho$ AÝV ‘| àmß` am{e`m± - (960)

- (-)

- (-)

15,178 (6,34,576)

39,44,583 (34,90,794)

69


22 à{V eoà AO©Z (B©nrEg) (boIm§H$Z ‘mZH$ 20)* : 31 ‘mM©, 2014 31 ‘mM©, 2013

à{V eoà AO©Z n[aH$bZ Ho$ {bE {Zdb bm^ (`) 1118,27,17,901 837,35,26,906

`10 àËòH$ Ho$ A§{H$V ‘yë` Ho$ B©pŠdQ>r eoàm| H$s g¨»`m 45,00,00,000 45,00,00,000

à{V eoà AO©Z (`) 24.85 18.61

* ‘yb^yV à{Veoà AO©Z VWm Ad{‘{lV à{V eoà AO©Z g‘mZ h¢, Š`m|{H$ Ad{‘lUs` g¨^m{dV B©pŠdQ>r eoà Zht h¢ &

23 boIm§H$Z ‘mZH$ 22-Am` na H$a hoVw boIm§H$Z H$s AnojmAmo§ Ho$ AZwgma, ~¢H$ Zo AmñW{JV H$a ì`` / ~MV H$s g‘sjm H$s h¡ Am¡a 31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ bm^ hm{Z boIo ‘| `1,81,13,31,566/- H$s am{e ({nN>bo df© AmñW{JV H$a Xo`Vm `20,70,65,580 Wr) AmñW{JV H$a AmpñV ‘mZr h¡ & `Wm 31 ‘mM©, 2014 H$mo AmñW{JV H$a AmpñV/(Xo`Vm) Ho$ AbJ-AbJ KQ>H$ {ZåZ{bpIV h¢ :

g‘` A§Va 31.03.2014 H$mo AmñW{JV H$a AmpñV

/(Xo`Vm)

31.03.2013 H$mo AmñW{JV H$a AmpñV

/(Xo`Vm)

H$) ‘yë`õmg Ho$ {bE àmdYmZ (4,48,16,723) (4,80,06,842)

I) Am`H$a A{Y{Z`‘, 1961 H$s Ymam 36(1)(viii) Ho$ A§VJ©V {deof Ama{j{V (334,41,91,476) (306,00,03,750)

J) AemoÜ` VWm g¨{X½Y F$Um| hoVw àmdYmZ 333,22,13,509 125,78,32,600

K) ^maV gaH$ma Ho$ ~m°ÊS>m| na àr{‘`‘ H$m n[aemoYZ (17,57,09,228) (19,76,72,882)

L>) ImVm| H$s nwZgªaMZm hoVw àmdYmZ 16,46,37,417 16,46,37,417

M) AÝ` 70,82,62,948 71,22,78,338

{Zdb AmñW{JV H$a AmpñV /(Xo`Vm) 64,03,96,447 (117,09,35,120)

L> g¨~Õ nj ghm`H$ g¨ñWmE§ gh`moJr g¨ñWmE§

{ddaU EgdrgrEb EgQ>rgrEb ñ‘oam AmB©EgEAmagr AmB©EgQ>rEgEb

ì``m| H$m ^wJVmZ~¢H$ Ûmam àXËV am{e - ewëH$ /H$‘reZ 24,19,510

(22,27,423) - -

- (4,00,000)

- -

- (7,25,239)

- ã`mO - (46,45,503)

- (16,40,452)

- (-)

- (79,74,179)

- -

df© Ho$ A§V ‘| Xo`- ewëH$ /H$‘seZ -

(-) -

(-) -

(-) -

(-) -

(-)

- ã`mO - (-)

- (-)

- (-)

- (-)

- (-)

O‘mdf© Ho$ Xm¡amZ àmßV -

(-) -

(-) -

(-) -

(-) -

(-)

df© Ho$ Xm¡amZ dmngr - (4,78,10,000)

- (1,68,83,000)

- (-)

- (8,07,58,957)

- (-)

df© Ho$ AÝV ‘| ~H$m`m - (-)

- (-)

- (-)

- (-)

- (-)

(H$moîR>H$m| ‘| Xr JB© am{e`m§ {nN>bo df© H$s h¢)


70


24 Am`H$a hoVw àmdYmZ ‘| em{‘b h¡ :

H«$‘m§H$ {ddaU {dËVr` df© 2013-14 {dËVr` df© 2012-13

(i) Mmby Am`H$a àmdYmZ 602,99,57,094 521,55,64,002

(ii) JV dfm}§ hoVw {H$E JE H$‘ /(~oer) Am`H$a àmdYmZ (63,72,742) (141,91,88,870)

25 AmH$pñ‘H$ Xo`Vm§E `1,30,17,60,225 (JV df© - `88,70,74,231) H$s h¢, {Og‘| Am`H$a Ed§ godmH$a H$s Xo`Vm em{‘b h¡& ~¢H$ Bggo gh‘V Zht h¡ Am¡a [deofk H$s am` Ho$ AmYma na àmdYmZ Amdí`H$ Zht g‘Pm J`m h¡& Bg‘| `50,66,98,988/- (JV df© - `50,66,51,835) em{‘b h¢, Omo Am`H$a {d^mJ Ûmam ~¢H$ Ho$ {déÕ Xm`a Ansb go g¨~§{YV h¡ &

26 à~§YZ H$s am` ‘|, boIm§H$Z ‘mZH$ 28 - AmpñV`m| H$s hm{Z Ho$ ZO[aE go, ~¢H$ H$s pñWa AmpñV`m| H$s H$moB© ^m¡{VH$ hm{Z Zht hwB© h¡ &

27 AmH$pñ‘H$ Xo`VmAmo§ Ho$ àmdYmZ Ho$ g¨~§Y ‘| boIm§H$Z ‘mZH$ - 29 Ho$ A§VJ©V àH$Q>Z (`)

{ddaU ~H$m`m doVZ/ àmoËgmhZ

AÝ` àmdYmZ

Ama§^ eof 99,59,800 4,36,60,598

n[adY©Z : 29,10,00,000 0.00

Cn`moJ : 16,321 0.00

nwZam§H$Z : 0.00 0.00

A§{V‘ eof 30,09,43,479 4,36,60,598

AÝ` àmdYmZ ‘| gm‘mÝ¶ ì¶dgm¶ H$s à{H«$¶m ‘| ~¢H$ na {H$E JE do Xmdo em{‘b h¢ Omo {d{^ÝZ {d{YH$ ‘m‘bm| Am¡a Eogo AÝ¶ Xmdm| go g¨~§{YV h¢, {OZHo$ {bE ~¢H$ AmH$pñ‘H$ ê$n go CËVaXm¶r h¡&

28 df© Ho$ Xm¡amZ ~¢H$ Zo {ddoH$nyU© OmopI‘ gr‘mAmo§ H$m A{VH«$‘U Zht {H$`m h¡ &

29 31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ {bE J«mhH$m| go àmßV, {ZnQ>mB© JB© VWm b§{~V {eH$m`Vm| Ho$ {ddaU

{ddaU {dËVr` df© 2014 {dËVr` df© 2013

df© Ho$ Ama§^ ‘| {eH$m`Vm| H$s g¨»`m 8 3

Omo{‹S>E : df© Ho$ Xm¡amZ àmßV {eH$m`Vm| H$s g¨»`m 52 55

KQ>mBE : df© Ho$ Xm¡amZ {ZnQ>mB© JB© {eH$m`Vm| H$s g¨»`m 52 50

df© Ho$ A§V ‘| b§{~V {eH$m`V| 8 8

30 {ZdoeH$m| H$s {eH$m`V| :{XZm§H$ 1 Aà¡b, 2013 VH$, ~¢H$ Ho$ nmg {ZdoeH$m| go àmßV VrZ {eH$m`V| b§{~V Wt & dV©‘mZ {dËVr` df© ‘|, {ZdoeH$m| go VrZ {eH$m`V| àmßV hwB h¢ VWm df© Ho$ Xm¡amZ VrZ {eH$m`Vm| H$m {ZnQ>mZ {H$`m J`m& Bg àH$ma ‘mM© 31, 2014 H$mo ~¢H$ Ho$ nmg VrZ {eH$m`V| {ZnQ>mZ hoVw b§{~V h¢ &

31 ^maVr` bKw CÚmoJ {dH$mg ~¢H$ gm‘mÝ` {d{Z`‘, 2000 Ho$ {d{Z`‘ 14 ‘| ^maVr` bKw CÚmoJ {dH$mg ghm`Vm {Z{Y (EgAmB©S>rEE’$) VWm gm‘mÝ` {Z{Y Ho$ A§VJ©V boIm| Ho$ àñVwVrH$aU hoVw AbJ àmê$n {d{Z{X©ï> h¡ & My§{H$ Ho$ÝÐ gaH$ma Zo AbJ go H$moB© EgAmB©S>rEE’$ A{Ygy{MV Zht {H$`m h¡, AV: {gS>~s Cgo Zht aIVm h¡ &

32 Ohm§ Oê$aV n‹S>r h¡, dhm± JV df© Ho$ Am§H$‹Sµ>m| H$m nwZg©‘yhZ Am¡a nwZd©Jr©H$aU {H$`m J`m h¡, Vm{H$ CÝh| Mmby df© Ho$ Am§H$‹S>m| go VwbZm-`mo½` ~Zm`m Om gHo$ &


(`)

71



(` H$amo‹S>)

^maVr` [aOd© ~¢H$ Ho$ {Xem-{ZX}emZwgma A{V[aŠV àH$Q>rH$aU

H$. ny±Or {dÎmr` df© 2013-14 {dÎmr` df© 2012-13

H$) OmopI‘ AmpñV`m| Ho$ à{V ny§Or AZwnmV (grAmaEAma) 30.75% 28.14%

‘w»` grAmaEAma 29.65% 27.02%

AZwnyaH$ grAmaEAma 1.10% 1.12%

I) ÁmwQ>mE JE Jm¡U F$U H$s am{e VWm {Q>à-II ny±Or Ho$ ê$n ‘| ~H$m`m am{e eyÝ` eyÝ`

J) OmopI‘ m[aV AmpñV`m±-VwbZ-nÌ ‘| g‘m{hV Am¡a Bggo BVa ‘Xm| hoVw n¥WH$-n¥WH$

VwbZ-nÌ ‘| 30,092.50 30,566.65

VwbZ-nÌ Ho$ Abmdm 645.06 350.53

K) VwbZ-nÌ H$s {V{W H$mo eoà Ym[aVm H$m ñdê$n eoàm| H$s g¨»`m eoà Ym[aVm H$m à{VeV

{dÎmr` g¨ñWmE§ 2,39,00,000 5.31

~r‘m H§$n{Z`m§ 9,84,50,000 21.88

gmd©O{ZH$ joÌ Ho$ ~¢H$ 32,76,50,000 72.81

`moJ 45,00,00,000 100.00

I. AmpñV JwUdËVm Am¡a F$U g¨Ho$ÝÐU

{dÎmr` df© 2013-14 {dÎmr` df© 2012-13

H$) {Zdb F$U Am¡a A{J«‘m| Ho$ à{V {Zdb J¡a-{ZînmH$ AmpñV`m| H$m à{VeV 0.45 0.53

I) àmdYmZ H$daoO AZwnmV 88%* 84%

* àmdYmZ H$daoO AZwnmV H$s JUZm H$aVo g‘¶ 31 ‘mM© 2014 H$mo Ym[aV Mb àmdYmZ H$mo {hgm~ ‘| Zht {b¶m J¶m &

J) {ZYm©[aV AmpñV dJr©H$aU lo{U`m| Ho$ A§VJ©V, {Zdb A{J«‘m| H$s VwbZm ‘| {Zdb J¡a-{ZînmXH$ AmpñV`m| H$s am{e Am¡a CZH$m à{VeV

{dÎmr` df© 2013-14 {dÎmr` df© 2012-13

loUs am{e à{VeV am{e à{VeV

Ad-‘mZH$ AmpñV`m± * 206.82 0.34 277.07 0.49

g¨{X½Y AmpñV`m± * 70.23 0.11 22.08 0.04

`moJ 277.05 0.45 299.15 0.53

* J¡a {ZînmXH$ AmpñV Ho$ ê$n ‘| dJr©H¥$V nwZgªa{MV ImVm| go g¨~§{YV g‘m`mo{OV àmdYmZ. {dÎmr¶ df© 2013-14 H$s {Zdb J¡a {ZînmXH$ AmpñV¶m§ eyÝ¶ hm|Jr, ¶{X Mb àmdYmZ am{e H$mo CgHo$ gmW g‘m¶mo{OV {H$¶m OmE &

K) df© Ho$ Xm¡amZ, ‘mZH$ AmpñV¶m|, J¡a-{ZînmXH$ AmpñV¶m|, {Zdoem| (A{J«‘ H$s àH¥${V go BVa {Zdoe) Am¡a Am¶ H$a Ho$ {bE {H$E JE àmdYmZm| H$s am{e

{ddaU {dÎmr` df© 2013-14 {dÎmr` df© 2012-13

‘mZH$ AmpñV`m± * 411.77 673.36

J¡a-{ZînmH$ AmpñV`m± ** 784.09 350.09

{Zdoe 41.98 159.40

ImVm| H$s nwZgªaMZm - 19.02

Am`H$a (AmñW{JV H$a VWm A{V[aŠV àmdYmZm|, ¶{X hm|, Ho$ nwZam§H$Z g{hV) 421.23 358.93

* Ama~rAmB© Ho$ {Xem{ZX}em| Ho$ AZwgma ‘mZH$ AmpñV`m| Ho$ g¨~§Y ‘| {H$`m J`m ` 50.06 H$amo‹S> ({nN>bo df© ` 31.02 H$amo‹S>) H$m gm‘mÝ` àmdYmZ Bg‘| em{‘b h¡&

** àmdYmZ H$m nwZam§H$Z KQ>m H$a `116.22 H$amo‹S> (JVdf© `68.86 H$amo‹S>)

72



(` H$amo‹S>)

L>) J¡a {ZînmXH$ AmpñV¶m| ‘| n[adV©Z


{dÎmr` df© Ho$ àmaå^ ‘| gH$b J¡a {ZînmXH$ AmpñV`m± 554.29 373.51

Omo{‹S>ò : df© Ho$ Xm¡amZ n[adY©Z 995.48 621.81

Cn Omo‹S> (H$) 1549.78 995.32

KQ>mBò :-

i) CÝZ`Z 49.15 69.29

ii) dgy{b`m± (CÝZ`Z ImVm| go dgy{b`m| H$mo N>mo‹S>H$a) 183.40 79.86

iii) ~Å>o ImVo S>mbo JE 161.24 291.87

iv) Cn¶w©³V (iii) Ho$ A{V[a³V Omo ~Å>o ImVo S>mbo JE 2.87 0.00

Cn Omo‹S> (I) 396.66 441.02

{dÎmr` df© H$s g‘m{á na gH$b J¡a {ZînmXH$ AmpñV`m± (H$-I) 1153.12 554.29

M) J¡a {ZînmXH$ AmpñV`m| Ho$ àmdYmZ ‘| n[adV©Z (‘mZH$ AmpñV`m| na {H$ò Jò àmdYmZm| H$mo N>mo‹S>H$a)


{dÎmr` df© H$s ewéAmV ‘| AW eof 247.02 188.80

Omo{‹S>ò : df© Ho$ Xm¡amZ {H$ò Jò àmdYmZ 900.31 418.94

KQ>mBò : ~Å>o ImVo S>mbo Jò/nwZam§{H$V A{V[aŠV àmdYmZ 280.32 360.72

{dÎmr` df© H$s g‘m{á na B{V eof 867.01 247.02

N>) {Zdb J¡a {ZînmXH$ AmpñV`m| ‘| n[adV©Z


{dÎmr` df© H$s ewéAmV ‘| AW eof 299.15 183.92

Omo{‹S>ò : df© Ho$ Xm¡amZ n[adY©Z 95.18 202.86

KQ>mBò : df© Ho$ Xm¡amZ H$‘s 116.34 80.30

KQ>mBò : J¡a-{ZînmXH$ AmpñV Ho$ ê$n ‘| dJr©H¥$V nwZgªa{MV ImVm| Ho$ C{MV ‘yë` {JamdQ> hoVw àmdYmZ * 0.94 7.33

{dÎmr` df© H$s g‘m{á na B{V eof 277.05 299.15

* J¡a {ZînmXH$ AmpñV Ho$ ê$n ‘| dJr©H¥$V nwZgªa{MV ImVm| Ho$ C{MV ‘yë` ‘| {JamdQ> hoVw àmdYmZ H$s am{e `Wm 31 ‘mM©, 2014, ` 9.06 H$amo‹S> Wr, O~{H$ 31 ‘mM© 2013 H$mo Ama§{^H$ eof ‘| go nhbo hs g{H«$` am{e 8.12 H$amo‹S>, Wr& VXZwgma {dÎmr` df© 2013-14 Ho$ Am§H$‹S>m| H$s JUZm H$s JB© h¡&

73


O) Mb àmdYmZm| ‘| n[adV©Z


{dÎmr` df© H$s ewéAmV ‘| AW eof - -

Omo{‹S>ò : df© Ho$ Xm¡amZ {H$ò Jò àmdYmZ/df© Ho$ Xm¡amZ X~mdJ«ñV AmpñV àmdYmZm| go A§V[aV àmdYmZ * 3249.7 -

KQ>mBò : df© Ho$ Xm¡amZ AmhaU Ûmam H$s JB© H$‘r H$m CÔoí` d am{e 609.79 -

{dÎmr` df© H$s g‘m{á na B{V eof 2,639.91 -

* ^maVr¶ [a‹Od© ~¢H$ Ho$ {ZXoemZwgma 31 {Xg§~a 2013 Ho$ ~mX go amÁ¶ {dÎmr¶ {ZJ‘m|, Aën {dÎm g§ñWmAm| VWm àË¶j {dÎm g§{d^mJ Ho$ ‘mZH$ {d{eîQ> X~mdJ«ñV ImVm| ‘| ImVm {d{eîQ> àmdYmZ H$aZo H$s àUmbr H$mo g‘mßV H$aZo H$m {ZU©¶ {b¶m J¶m h¡. ¶Wm 31 {Xg§~a 2013 H$mo Ym[aV X~mdJ«ñV AmpñV¶m| H$m àmdYmZ ` 3249.70 H$amo‹S> Ho$ Mb àmdYmZ Ho$ ê$n ‘| dJuH¥$V {H$¶m J¶m h¡ {Og‘| go ` 615.48 H$amo‹S> Ho$ Mb àmdYmZ H$m Cn¶moJ EH$ amÁ¶ {dÎm {ZJ‘ H$s J¡a {ZînmXH$ ApñV¶m| (` 609.79 H$amo‹S>) Ed§ EH$ Aën {dÎm g§ñWm (` 5.70 H$amo‹S>) H$s J¡a {ZînmXH$ AmpñV¶m| Ho$ àmdYmZ ‘|, ^maVr¶ [a‹Od© ~¢H$ Ho$ {ZXoem| H$s àmpßV Ho$ nyd© {H$¶m J¶m. ^maVr¶ [a‹Od© ~¢H$ Ho$ 7 ’$adar 2014 Ho$ n[anÌ g§»¶m S>r~rAmoS>rg§~rnr 95/21.04.048 Ho$ AZwê$n ¶h df© 2014 ‘| J¡a {Zînm{XV AmpñV ‘| ê$nm§V[aV hmo J¶m Am¡a ¶h Ym[aV Mb àmdYmZ Ho$ 33% gr‘m Ho$ ^rVa h¡. AmJo 31 ‘mM© 2014 H$mo g‘mßV df© Ho$ {bE bm^ hm{Z ImVo Ho$ ""àmdYmZ Ed§ AmH$pñ‘H$ Xo¶VmE±'' Ho$ A§VJ©V {H$¶o JE àmdYmZm| H$mo nwZam§H$Z H$aZo Ho$ níMmV g‘m¶mo{OV {H$¶m J¶m h¢&


(` H$amo‹S>)

J. F$U EŠgnmoOa

H$) {ZåZ{bpIV Ho$ ~mao ‘| ny±Or {Z{Y`m| Am¡a Hw$b AmpñV`m| Ho$ à{V F$U EŠgnmoOa H$m à{VeV :

H«$.g¨. {ddaU {dËVr` df© 2013-14 {dËVr` df© 2012-13

Hw$b AmpñV`m| Ho$ % Ho$ ê$n ‘|

ny±Or {Z{Y`m| Ho$ % Ho$ ê$n ‘|

Hw$b AmpñV`m| Ho$ % Ho$ ê$n ‘|

ny±Or {Z{Y`m| Ho$ % Ho$ ê$n ‘|

1 g~go ~‹S>m EH$b CYmaH$Vm© 12.77 82.19 10.51 67.70

g~go ~‹S>m CYmaH$Vm© g‘yh My±{H$ ~‹S>o CYmaH$Vm© àmW{‘H$ F$UXmÌs g¨ñWmE± h¢, AV: AmpñV CYmaH$Vm© g‘yh H$s AdYmaUm bmJy Zht h¡&

2 10 g~go ~‹S>o EH$b CYmaH$Vm© 50.86 327.24 43.69 281.45

10 g~go ~‹S>o CYmaH$Vm© g‘yh My±{H$ ~‹S>o CYmaH$Vm© àmW{‘H$ F$UXmÌs g¨ñWmE± h¢, AV: CYmaH$Vm© g‘yh H$s AdYmaUm bmJy Zht h¡&

I) Hw$b F$U AmpñV`m| Ho$ à{VeV Ho$ ê$n ‘| nm±M g~go ~‹S>o Am¡Úmo{JH$ joÌm| (`{X bmJy hmo) H$mo àXËV F$U

CÚmoJ H$m Zm‘ {dËVr` df© 2013-14 {dËVr` df© 2012-13

~H$m`m am{e Hw$b F$U AmpñV`m| Ho$ à{V %

~H$m`m am{e Hw$b F$U AmpñV`m| Ho$ à{V %

YmVw CËnmX 3,242.65 5.29 739.51 6.03

n[adhZ CnH$aU 1,820.46 2.97 1,608.59 13.12

{dÚwV CËnmXZ 1,497.07 2.44 1,404.44 11.45

Bbo³Q´>m°{ZH$ CnH$aU * 1,444.00 2.36 571.93 4.66

dñÌ CÚmoJ (ÁmyQ> g{hV) 1,254.14 2.05 1,323.89 10.79

* {dÎmr¶ df© 2012-13 Ho$ Xm¡amZ Bbo³Q´>m°{ZH$ CnH$aU nm±M g~go ~‹S>o CÚmoJm| ‘o em{‘b Zht Wm&

74



(` H$amo‹S>)

K. O‘m, A{J«‘, EŠñnmoµOa Ed§ EZnsE H$m g§H|$ÐU

H$) O‘m g§H|$ÐU {dÎmr` df© 2013-14 {dÎmr` df© 2012-13

~rg g~go ~‹S>o O‘mH$Vm©Amo§ Ho$ Hw$b O‘m (` H$amo‹S>) 702.28 2361.71

~¢H$ Ho$ Hw$b O‘m Ho$ à{V ~rg g~go ~‹S>o O‘mH$Vm©Amo§ Ho$ O‘m H$m à{VeV 75.66 90.66

I) A{J«‘m| H$m g§H|$ÐU FY 2013-14 FY 2012-13

~rg g~go ~‹S>o CYmaH$Vm©Amo§ H$mo Hw$b A{J«‘ (` H$amo‹S>) 46,628.32 34,471.25

~¢H$ Ho$ Hw$b A{J«‘ Ho$ à{V ~rg g~go ~‹S>o CYmaH$Vm©Amo§ Ho$ A{J«‘ H$m à{VeV 76.10 61.49

J) EŠñnmoµOa H$m g§H|$ÐU FY 2013-14 FY 2012-13

~rg g~go ~‹S>o CYmaH$Vm©Amo§/J«mhH$m| Ho$ à{V Hw$b EŠñnmoµOa (` H$amo‹S>) 46,634.80 34,472.03

CYmaH$Vm©Amo§ / J«mhH$m| ‘| ~¢H$ Ho$ Hw$b F$U EŠñnmoµOa Ho$ à{V ~rg g~go ~‹S>o CYmaH$Vm©Amo§/J«mhH$m| ‘| F$U OmopI‘ H$m à{VeV

55.32 53.60

K) J¡a {ZînmXH$ AmpñV`m| H$m g§H|$ÐU - erf© Mma EZnsE ImVm| ‘| Hw$b EŠñnmoµOa (` H$amo‹S>) 815.73 204.17

L>) joÌdma J¡a-{ZînmXH$ AmpñV`m±


Cg joÌ Ho$ Hw$b A{J«‘m| ‘| J¡a-{ZînmXH$ AmpñV`m| H$m à{VeV

H¥${f Am¡a ghdVr© J{V{d{Y`m±/CÚmoJ (gyú‘, bKw, ‘Ü`‘ Ed§ ~‹S>o) - -

CÚmoJ (gyj‘, bKw, ‘Ü`‘ Am¡a ~‹S>o) 2.12 0.74

godmE± 0.95 6.37

d¡`pŠVH$ F$U - -

M) {ddoH$nyU© ~Å>o ImVo dmbo ImVm| ‘| n[adV©Z


{dÎmr¶ df© H$s ewéAmV ‘| {ddoH$nyU© ~Å>o ImVo 1,312.61 1,107.30

Omo{‹S>E : df© Ho$ Xm¡amZ {ddoH$nyU© ~Å>o ImVo 161.24 291.87

Cn Omo‹S> (H$) 1,473.85 1,399.17

KQ>mBE : dmñV{dH$ ~Å>o ImVo 210.91 13.39

KQ>mBE : df© Ho$ Xm¡amZ JVdfm] Ho$ {ddoH$nyU© ~Å>o ImVo go H$s J¶r dgy{b¶m± 52.33 73.17

Cn Omo‹S> (I) 263.24 86.56

{dÎmr¶ df© H$s g‘mpßV na {ddoH$nyU© ~Å>o ImVo (H$ - I) 1,210.61 1,312.61

N>) {dXoem| ‘| AmpñV`m±, J¡a-{ZînmXH$ AmpñV`m± VWm amOñd


Hw$b AmpñV¶m± - -

Hw$b J¡a-{ZînmXH$ AmpñV¶m± - -

Hw$b amOñd - -

75


J) {H$E JE {Zdoe Ho$ g¨~§Y ‘| OmarH$Vm© lo{U`m± :OmarH$Vm© am{e {ZåZ{bpIV H$s am{e

{ZOr ßbog‘|Q> Ho$O[aE {Zdoe

{Zdoe J«oS> go ZrMo H$s Ym[aV à{V^y{V`m±

{~Zm aoqQ>J dmbs Ym[aV à{V^y{V`m±

J¡a gyMr~Õ à{V^y{V`m±

gmd©O{ZH$ joÌ Ho$ CnH«$‘ 469.52 0.00 - - 0.00{dÎmr` g¨ñWmE± 349.98 269.98 - - 235.16~¢H$ 664.93 161.00 - - 0.00{ZOr H§$n{Z`m± 727.66 656.74 - 9.73 544.02ghm`H$ g¨ñWmE±/g¨`wŠV CnH«$‘ 1.05 1.05 - - 1.05AÝ` 737.17 0.00 - - 352.50Cn-Omo‹S> 2,950.31 1,088.77 - 9.73 1,132.72 ‘yë`õmg Ho$ à{V Ym[aV àmdYmZ (72.80) - - - -`moJ 2,877.51 1,088.77 - 9.73 1,132.72

{dËVr` df© 2013-14 {dËVr` df© 2012-13

àm`mo{OV Egnrdr H$m Zm‘ àm`mo{OV Egnrdr H$m Zm‘

Kaoby {dXoem| ‘| Kaoby {dXoem| ‘|

O) VwbZ nÌ go BVa àm`mo{OV Egnrdr ({OÝh| boIm§H$Z ‘mZH$m| Ho$ AZwgma g‘o{H$V {H$`m OmZm h¡)

- - - -


(` H$amo‹S>)

S>. {ZdoeH$) ^maVr` [aµOd© ~¢H$ Ho$ {Xem-{ZX}em| H$s Anojm AZwgma {Zdoem| H$mo {ZåZmZwgma dJr©H¥$V {H$`m J`m h¡:

{ddaU {dËVr` df© 13-14 {dËVr` df© 12-13

i) n[anŠdVm hoVw Ym[aV 796.57 762.37ii) {~H«$s hoVw CnbãY 2,542.40 2,363.42iii) ì`mnma hoVw Ym[aV - 92.65iv) AÝ` - -`moJ 3,338.97 3,218.44

I) {Zdoem| ‘| ‘yë`õmg Ho$ {bE {H$E JE àmdYmZ{ddaU {dËVr` df© 13-14 {dËVr` df© 12-13

{dÎmr` df© Ho$ àmaå^ ‘| AW eof 40.62 119.45Omo{‹S>E : df© Ho$ Xm¡amZ {H$E JE àmdYmZ 32.18 -78.83Omo{‹S>E : {Zdoe CVma-M‹T>md Ama{j{V boIm go {d{Z`moJ, `{X H$moB© hmo - -KQ>mBE : df© Ho$ Xm¡amZ ~Å>o ImVo ‘| S>mbs JB© am{e 0.93 -KQ>mBE : {Zdoe CVma-M‹T>md Ama{j{V boIm ‘| A§VaU, `{X H$moB© hmo - -KQ>mBE : {dÎmr` df© Ho$ Xm¡amZ Or-goH$ H$mo EE’$Eg go EMQ>rE‘ ‘| AV§[aV H$aZo Ho$ H$maU {H$E JE {d{Z`moJ - -{dÎmr` df© H$s g‘m{á na B{V eof 71.87 40.62

K) J¡a {ZînmXH$ {Zdoe :{ddaU {dËVr` df© 13-14 {dËVr` df© 12-13

{dÎmr` df© Ho$ Ama§^ ‘| AW eof 319.14 132.431 Aà¡b go df© Ho$ Xm¡amZ n[adY©Z 4.40 188.54CŠV Ad{Y ‘| H$‘s 3.54 1.83{dÎmr` df© H$s g‘m{á na B{V eof 319.99 319.14Ym[aV Hw$b àmdYmZ 297.89 291.84

L>) EMQ>rE‘ loUs go/H$mo à{V^y{V`m| H$s {~H«$s d A§VaU :

^maVr` [a‹Od© ~¢H$ Ho$ dV©‘mZ {Xem{ZX}emZwgma ~¢H$ Zo Mmby {dÎmr` df© Ho$ Xm¡amZ CÚ‘ ny§Or {Z{Y`m| ‘| {Zdoem| H$mo EMQ>rE‘ go EE’$Eg loUs ‘| A§V[aV {H$`m& Cn©`wŠV Ho$ Abmdm EMQ>rE‘ loUs go/H$mo {Zdoe H$m H$moB© A§VaU Zht hwAm&

76



(` H$amo‹S>)M. nwZgªa{MV ImVo

H«$‘ nwZgªaMZm H$m àH$ma u grS>rAma àUmbs Ho$ A§VJ©V EgE‘B© nwZgªaMZm V§Ì Ho$ A§VJ©V AÝ` Hw$b

AmpñV dJr©H$aU u ‘mZH$ Ad ‘mZH$

g¨{X½Y hm{Z Hw$b ‘mZH$ Ad ‘mZH$



g¨{X½Y hm{Z Hw$b

{ddaU v

1 {d.d. Ho$ {bE 1 Aà¡b H$mo nwZgªa{MV ImVo (àma§{^H$ g¨»`m)*

CYmaH$Vm©Amo§ H$s g¨»`m

11 4 1 - 16 - - - - - 136 41 16 - 193 147 45 17 - 209

~H$m`mam{e

666.31 90.87 1.38 - 758.56 - - - - - 1,048.32 89.40 25.91 - 1,163.63 1,714.63 180.27 27.30 - 1,922.20

CZna àmdYmZ

13.02 7.08 - - 20.10 - - - - - 2.79 0.56 0.32 - 3.67 15.82 7.64 0.32 - 23.78

2 df© Ho$ Xm¡amZZE nwZgªa{MV ‘m‘bo


- 1 1 - 2 - - - - - 83 7 2 - 92 83 8 3 - 94

~H$m`mam{e

2.27 15.05 68.97 - 86.29 - - - - - 152.08 19.64 6.05 - 177.77 154.35 34.69 75.02 - 264.06

CZna àmdYmZ

- - 7.92 - 7.92 - - - - - 1.55 0.29 0.07 - 1.91 1.55 0.29 7.99 - 9.83

3 {d.d. Ho$ Xm¡amZnwZgªa{MV ‘mZH$dJ© ‘| CÝZ`Z


- - - - - - - - - - 6 -2 -4 - - 6 -2 -4 - -

~H$m`mam{e

- - - - - - - - - - 32.83 (24.52) (8.31) - - 32.83 (24.52) (8.31) - -

CZna àmdYmZ

- - - - - - - - - - 0.30 (0.09) (0.21) - - 0.30 (0.09) (0.21) - -

4 nwZgªa{MV ImVo {OZna {dÎmr` df© Ho$ A§V ‘| CÀMVa àmdYmZ Am¡a / `m A{V[aŠV OmopI‘ ^ma Zht h¡, VWm AJbo {dÎmr` df© Ho$ Ama§^ ‘| nwZgªa{MV ImVm| Ho$ ê$n ‘| Zht {XImZm h¡&


-1 -1 - - -19 -19 -20 -20

~H$m`mam{e

(103.66) (103.66)

- - (51.72) (51.72) (155.38) (155.38)

CZna àmdYmZ

- - - - (0.20) (0.20) (0.20) (0.20)

5 {d.d. Ho$ Xm¡amZnwZgªa{MV ImVm|H$m XOm© KQ>mZm


-1 1 - - - - - - - - -19 4 15 - - -20 5 15 - -

~H$m`mam{e

(40.65) 40.65 - - - - - - - - (50.69) (4.05) 54.74 - - (91.34) 36.60 54.74 - -

CZna àmdYmZ

(1.96) 1.96 - - - - - - - - (0.40) 0.32 0.08 - - (2.36) 2.28 0.08 - -

6 {d.d. Ho$ Xm¡amZnwZgªa{MV ImVm|H$mo ~Å>o ImVo‘| S>mbZm


-2 -2 -1 - -5 - - - - - -20 -22 -7 - -49 -22 -24 -8 - -54

~H$m`mam{e

(108.32) (62.30) (1.38) - (172.00)

- - - - - (46.68) (7.20) (9.49) - -63.37 (155.00) (69.50) (10.88) - (235.38)

CZna àmdYmZ

(11.06) (8.63) - - (19.69) - - - - - (1.17) (0.60) (0.11) - -1.88 (12.24) (9.23) (0.11) - (21.58)

7 {d.d. H$s ‘mM© 31H$mo nwZgªaMZm ImVo(A§{V‘ g¨»`m*)


7 4 1 - 12 - - - - - 167 28 22 - 217 174 32 23 - 229

~H$m`mam{e

415.95 84.27 68.97 - 569.19 - - - - - 1,084.14 73.27 68.90 - 1,226.31 1,500.09 157.54 137.87 - 1,795.50

CZna àmdYmZ

- 0.41 7.92 - 8.33 - - - - - 2.87 0.48 0.15 - 3.50 2.87 0.89 8.07 - 11.83

* ‘mZH$ nwZªa{MV A{J«‘m| Ho$ Am±H$‹Sµ>m| H$mo N>moSµ> {OZ na CÀMVa àmdYmZ `m OmopI‘ ^ma Zht bJVm (`{X bmJy hmo)&

{Q>ßnUr : H«$_m§H$ 2 Ho$ Am§H$‹‹S>mo _| dV©_mZ _| nwZgªa{MV CYmaH$Vm©Amo Ho$ ` 7.07 H$amo‹S> (12 ImVm|) H$s Z`r A{V[a³V _Oy[a`m± Am¡a dV©_mZ CYmaH$Vm©Amo Ho$ gX§^© _| .......... am{e ` 7.52 H$amo‹S> Ed§ ` 0.24 H$amo‹S> Ho$ à{dMma em{_b h¢ H«$_ g§. 6 na {XE JE Am§H$‹‹S>mo _| `164.07 H$amo‹S> em{_b h¡ (29 F$UH$Vm© VWm `14..87 H$amo‹S> Ho$ àmdYmZ) Omo {H$ dgybr Ho$ ê$n _| _m¡OyXm nwZgªa{MV ImVm| _| go H$_r / dgybr h¡ &

N>. H$) à{V^yVrH$aU H§$nZr/nwZ{Z©‘mU H§$nZr H$mo ~oMr JB© AmpñV`m±


ImVm| H$s g¨»`m - -

à{V^yVrH$aU H§$nZr/nwZ{Z©‘mU H§$nZr H$mo ~oMo JE ImVm| H$m Hw$b ‘yë` (àmdYmZ Ho$ ~mX) - -

Hw$b à{V’$b - -

nyd© dfm}§ ‘| A§V[aV ImVm| Ho$ g¨~§Y ‘| A§V[aV A{V[aŠV àmá à{V’$b - -

{Zdb ~hs ‘yë` na Hw$b bm^/hm{Z - -

77


I) {ZJ{‘V F$U nwZgªaMZm


(i) grS>rAma Ho$ A§VJ©V nwZgªaMZm Ho$ AYrZ F$U AmpñV`m| H$s Hw$b am{e 673.74 758.56

(ii) grS>rAma Ho$ AYrZ ‘mZH$ AmpñV`m| H$s Hw$b am{e 520.5* 666.31

(iii) grS>rAma Ho$ AYrZ Ad‘mZH$ AmpñV`m| H$s Hw$b am{e 153.24 92.25

* Bg‘| boIm hoVw `104.55 H$amo‹S> H$s am{e em{‘b h¡, {OgHo$ {b¶o CÀMVa àmdYmZ Oê$ar Zht h¢&


(` H$amo‹S>)

O. VabVm

én`m Am¡a {dXoer ‘wÐm AmpñV`m| VWm Xo`VmAmo§ H$m n[anŠdVm ñdê$n (O¡gm à~§YZ Ûmam g¨H${bV {H$`m J`m Am¡a boIm narjH$m| Zo {Og na {dídmg {H$`m)

‘X| 1 df© go H$‘ `m CgHo$ ~am~a

1 df© go A{YH$ Am¡a 3 df© VH$



7 df© go A{YH$ `moJ

én`m AmpñV`m± 46,918 16,442 4,586 1,572 3,586 73,104

{dXoer ‘wÐm AmpñV`m± (g‘Vwë` énò)

S>m°ba 1,328 551 270 1,068 1,025 4,242

`yamo 552 699 473 190 162 2,076

òZ 441 488 594 590 1,254 3,367

{~«{Q>e nmC§S> 1 67 - - - 68

Hw$b AmpñV`m± 49,240 18,247 5,923 3,420 6,027 82,857

én`m Xo`VmE± 26,686 23,589 2,993 3,552 17,454 74,274

{dXoer ‘wÐm Xo`VmE± (g‘Vwë` énò)

S>m°ba 938 211 209 926 1,680 3,964

`yamo 294 540 519 135 342 1,830

òZ 179 505 653 649 1,348 3,334

{~«{Q>e nmC§S> - - - - - -

Hw$b Xo`VmE± 28,097 24,845 4,374 5,262 20,824 83,402

P. n[aMmbZ n[aUm‘


H$) Am¡gV H$m`©erb {Z{Y Ho$ à{VeV Ho$ ê$n ‘| ã`mO Am`* 8.88 8.62

I) Am¡gV H$m`©erb {Z{Y Ho$ à{VeV Ho$ ê$n ‘| J¡a-ã`mO Am` 0.21 0.32

J) Am¡gV H$m`©erb {Z{Y Ho$ à{VeV Ho$ ê$n ‘| n[aMmbZ bm^ (àmdYmZ nyd©)

3.38 3.38

K) Am¡gV AmpñV`m| na à{V’$b (H$amYmZ Ho$ {bE àmdYmZ nyd©) 2.41 1.98

L>) à{V H$‘©Mmar {Zdb bm^ (` H$amo‹S>) 1.07 0.79

* ã`mO Am` ‘| AemoÜ` F$Um| go dgybs JB© am{e ^r em{‘b h¡&

78



(` H$amo‹S>)

Äm. dm`Xm Xa H$ama Am¡a ã`mO Xa {d{Z‘`


i) ~H$m`m boZ-XoZm| H$s g¨»`m - -

ii) Hw$b ~H$m`m AZw‘m{ZV ‘ybYZ (` H$amo‹S>) - -

iii) {d{Z‘`m| H$s àH¥${V - -

iv) eV}§ - -

v) boIm§H$Z Zr{V - -

vi) Xm{`Ëd nyam H$aZo ‘| à{V-njH$mam| Ho$ {d’$b ahZo na hmoZo dmbs hm{Z (` H$amo‹S>) - -

vii) {d{Z‘` H$aZo Ho$ {bE Ano{jV g¨nm{œ©H$ à{V^y{V - -

viii) {d{Z‘` go CËnÝZ F$U OmopI‘ H$m g§H|$ÐU - -

ix) {d{Z‘` ~hr H$m C{MV ‘yë` (` H$amo‹S>) - -

Q>. ã`mO Xa ì`wËnÝZm| Ho$ g¨~§Y ‘| {ddaU :


df© Ho$ Xm¡amZ {bE JE EŠgM|O QóS>oS> ã`mO Xa ì`wËnÝZm| H$s AmZw‘m{ZH$ ‘yb am{e

({bIV-dma)

- -

`Wm 31 ‘mM©, ~H$m`m EŠgM|O QóS>oS> ã`mO Xa ì`wËnÝZm| H$s AmZw‘m{ZH$ ‘yb am{e

({bIV-dma)

- -

~H$m`m Am¡a AË`ÝV à^mdr Zht EŠgM|O QóS>oS> ã`mO Xa ì`wËnÝZm| H$s AmZw‘m{ZH$ ‘yb am{e

({bIV-dma)

- -

~H$m`m Am¡a AË`ÝV à^mdr Zht EŠgM|O QóS> ã`mO Xa ì`wËnÝZm| H$m ‘mH©$ Qy> ‘mHo$©Q> ‘yë`

({bIV-dma)

- -

R>. ì`wËnÝZm| ‘| OmopI‘ H$m àH$Q>rH$aU

H$. JwUmË‘H$ àH$Q>rH$aU

(i) ~¢H$ AnZr AmpñV`m| Ed§ Xo`VmAmo§ ‘| Ag¨VwbZ go hwE ã`mO Xa VWm {d{Z‘` OmopI‘ H$s ~Mmd-ì`dñWm ì`wËnÝZ H$m BñVo‘mb H$aHo$ H$aVm h¡& ~¢H$

Ho$ g^s ì`wËnÝZ CZ {dXoer ‘wÐm CYma Ho$ à{V OmopI‘ ~Mmd Ho$ {bE h¢, Omo E‘Q>rE‘ Zht h¢ {H$ÝVw Ho$db n[ad{V©V h¢& ~¢H$ ì`wËnÝZm| H$m ì`mnma Zht

H$aVm h¡&

(ii) Am§V[aH$ {Z`§ÌU {Xem-{ZX}e VWm boIm§H$Z Zr{V`m§ ~moS>© Ûmam {ZYm©[aV Ed§ AZw‘mo{XV H$s OmVr h¢& ì`wËnÝZ gäMZmAmo§ H$m à`moJ gj‘ àm{YH$mar go

AZw‘moXZ àmá hmoZo Ho$ ~mX hr {H$`m OmVm h¡& ì`wËnÝZm| Ho$ gm¡Xm| g¨~§Yr {ddaUm| H$s OmZH$mar AmpñV Xo`Vm à~§Y g{‘{V/~moS>© H$mo ^r Xr OmVr h¡&

(iii) ~¢H$ Zo ì`wËnÝZ gm¡Xm| go hwE OmopI‘ go {ZnQ>Zo Ho$ {bò àUm{b`m§ {ZYm©[aV H$s h¢& ~¢H$ ì`wËnÝZ gm¡Xm| go hmoZo dmbo boZ-XoZm| H$m boIm§H$Z CnM` nÕ{V

Ho$ AZwgma H$aVm h¡&

(iv) df© H$s g‘m{á na ‘mH©$ Qw> ‘mHo$©Q> hm{Z`m|, `{X H$moB© h¡, Ho$ {bò àmdYmZ {H$ò OmVo h¢&

79


I. ‘mÌmË‘H$ àH$Q>rH$aU {dËVr` df© 2013-14 {dËVr` df© 2012-13

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{ddaU ‘wÐmì`wËnÝZ

ã`mO Xa ì`wËnÝZ

‘wÐm ì`wËnÝZ

ã`mO Xa ì`wËnÝZ

1 ì`wËnÝZ (AmZw‘m{ZH$ ‘ybYZ am{e)

(i) ~Mmd Ho$ {bE 5,993.93 - 5,039.76 -

(ii) ì`mnma Ho$ {bE - - - -

2 ‘mHo$©Q> pñW{V`m| Ho$ {bE {M{•V [1]

(i) AmpñV (+) 537.71 - 236.16 -

(ii) Xo`Vm (-) - - - -

3 F$U OmopI‘ [2] 857.99 - 568.26 -

4 ã`mO Xa ‘| EH$ à{VeV ~Xbmd go hmoZo dmbm à^md ( 100* nrdr 01)

(i) ~Mmd ì`wËnÝZm| na 114.49 - 293.00 -

(ii) ì`mnma ì`wËnÝZm| na - - - -

5 df© Ho$ Xm¡amZ n[ab{jV A{YH$V‘ Ed§ Ý`yZV‘ 100 * nrdr 01

(i) ~Mmd na 114.49 / 68.51 - 343.21 / 293.00 -

(ii) ì`mnma na - - - -


(` H$amo‹S>)

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1. n[aMmbZ J{V{d{Y`m| go ZH$Xr àdmh

1196,28,36,459 bm^-hm{Z ImVo Ho$ AZwgma H$a nyd© {Zdb bm^ 1539,49,70,687

{ZåZ{bpIV Ho$ {bE g‘m`moOZ

12,87,73,913 ‘yë`õmg 11,82,74,218

80,57,41,833 {Zdoem| ‘| {Zdb õmg Ho$ {bE àmdYmZ 41,97,88,782

844,03,97,261 {H$`m J`m àmdYmZ (nwZam§H$Z Ho$ ~mX) 605,74,79,501

(104,58,78,339) {Zdoe {~H«$s go bm^ ({Zdb) (80,65,45,244)

(23,47,79,638) {Zdoem| na àmá bm^m§e (17,27,26,300) 561,62,70,957

2005,70,91,489 n[aMmbZm| go Cnm{O©V ZH$Xr 2101,12,41,644

(n[aMmbZ AmpñV`m| d Xo`VmAmo§ ‘| n[adV©Z go nhbo)

{ZåZ{bpIV ‘o§ {Zdb n[adV©Z hoVw g‘m`moOZ

309,43,07,039 Mmby AmpñV`m± (351,84,95,873)

(923,57,89,581) Mmby Xo`VmE± 7,59,87,970

(1609,71,55,388) {d{Z‘` {~b 1390,83,70,439

(710,48,70,474) F$U Ed§ A{J«‘ (7218,81,99,997)

(438,61,21,510) ~m§S>m| d F$UnÌm| VWm AÝ` CYm[a`m| go {Zdb àm{á`m± 5768,87,49,475

2364,20,28,167 àmá O‘m (676,60,82,486)

(1008,76,01,747) (1079,96,70,472)

996,94,89,742 1021,15,71,172

(580,71,27,230) H$a H$m ^wJVmZ (447,40,86,098) (447,40,86,098)

416,23,62,512 n[aMmbZ-J{V{d{Y`m| go {Zdb ZH$Xr àdmh 573,74,85,074

2. {Zdoe J{V{d{Y`m| go ZH$Xr àdmh

(10,04,30,449) pñWa AmpñV`m| H$m {Zdb (H«$`)/{dH«$` (8,17,68,805)

(125,62,63,862) {Zdoem| H$m {Zdb (H«$`)/{dH«$`/emoYZ (39,88,64,098)

23,47,79,638 {Zdoem| na àmá bm^m§e 17,27,26,300

(112,19,14,673) {Zdoe J{V{d{Y`m| ‘| à`wŠV {Zdb ZH$Xr (30,79,06,603)

^maVr¶ bKw CÚmoJ {dH$mg ~¢H$31 ‘mM©, 2014 H$mo g‘mßV df© H$m ZH$Xr àdmh {ddaU

31 ‘mM©, 2014 H$mo g‘mßV df© H$m ZH$Xr àdmh {ddaU (`)

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(130,14,20,053) {dÎmr` J{V{d{Y`m| ‘| à`wŠV {Zdb ZH$Xr (130,98,21,008)

173,90,27,786 4. ZH$Xr Ed§ ZH$Xr g‘Vwë` ‘| {Zdb ~‹Tµ>moËVar/(H$‘s) 411,97,57,463

1341,84,42,552 5. Ad{Y Ho$ àma§^ ‘| ZH$Xr Ed§ ZH$Xr g‘Vwë` 1515,74,70,338

1515,74,70,338 6. Ad{Y H$s g‘m{á na ZH$Xr Ed§ ZH$Xr g‘Vwë` 1927,72,27,801

{Q>ßnUs : ZH$Xr àdmh {ddaU B§ñQ>rQ>çyQ> Am°’$ MmQ>©S>© EH$mCÊQ>|Q>²g Am°’$ B§{S>`m (AmB©grEAmB©) Ûmam Omar boIm ‘mZH$-3 (g¨eo{YV) ZH$Xr àdmh {ddaU ‘| {ZYm©[aV AàË`j {d{Y Ho$ AZwgma V¡`ma {H$`m J`m h¡&

‘hËdnyU© boIm Zr{V`m± XV

boIm {Q>ßn{U`m± XVI

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g‘o{H$V {dÎmr` {ddaUm| Ho$ g¨~§Y ‘| à~§YZ H$m CËVaXm{`Ëd

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H$mo V¡`ma H$aZo Ho$ g¨~§Y ‘| à~§YZ CËVaXm¶r h¡& BZ‘| g‘o{H$V {dÎmr` {ddaUm| H$mo V¡`ma d àñVwV H$aZo Ho$ {bE àmg¨{JH$ Am§V[aH$ {Z`§ÌU-ì`dñWm, H$m`m©Ýd`Z VWm

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boIm-narjH$ H$m CËVaXm{`Ëd

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boIm-narjm ‘mZH$m| Ho$ AZwê$n g¨nÝZ H$s& CZ ‘mZH$m| Ho$ A§VJ©V `h Ano{jV h¡ {H$ h‘ Z¡{VH$ AnojmAmo§ H$m AZwnmbZ H$a| Am¡a boIm-narjm H$s `moOZm d {ZînmXZ

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boIm-narjm Ho$ A§VJ©V {dÎmr` {ddaUm| ‘| C{„pIV am{e`m| VWm àH$Q>Zm| Ho$ g¨~§Y ‘| boIm-narjm {df`H$ à‘mU àmá H$aZo go g¨~§{YV à{H«$`mE± H$s OmVr h¢& BZ à{H«$`mAmo§

Ho$ M`Z H$m {ZU©` boIm-narjH$ H$aVm h¡, {Og‘| g‘o{H$V {dÎmr` {ddaUm| Ho$ YmoImY‹S>r AWdm Ìw{Q>de VÏ`JV {‘Ï`mH$WZ Ho$ OmopI‘ g¨~§Yr AmH$bZ ^r em{‘b h¢&

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àñVwVrH$aU Ho$ {bE àmg¨{JH$ hmoVo h¢, Vm{H$ g¨~§{YV n[apñW{V`m| ‘| C{MV boIm-à{H«$`mAmo§ H$m {ZYm©aU hmo gHo$& à~§YZ Ûmam AnZmB© JB© boIm-Zr{V`m| H$s Cn`wŠVVm

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h‘| {dœmg h¡ {H$ h‘Zo boIm-narjm g¨~§Yr Omo à‘mU àmá {H$E h¢, do boIm-narjm g¨~§Yr h‘mar am` Ho$ {ZYm©aU Ho$ {bE n`m©á Ed§ C{MV AmYma àXmZ H$aVo h¢&

A{^‘V

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g¨ñWmAmo§ Ho$ AbJ-AbJ {dÎmr` {ddaUm| Ho$ AmYma na, ~¢H$ Ho$ à~§YZ Zo g‘o{H$V {dÎmr` {ddaUm| H$mo {dÎmr` {ddaU boIm§H$Z ‘mZH$ (EEg) 21, ""g‘o{H$V {dÎmr`

{ddaU'', boIm§H$Z ‘mZH$ (EEg) 23, ""gh`moJr g¨ñWmAmo§ ‘| {Zdoe H$m g‘o{H$V {dÎmr` {ddaUm| ‘| boIm§H$Z'' H$r AnojmAmo§ Ho$ AZwê$n V¡`ma {H$`m h¡&

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ny±Or I 450,00,00,000 450,00,00,000

Ama{j{V¶m§, A{Yeof Am¡a {Z{Y¶m§ II 8090,14,30,165 7096,41,96,768

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AÝ¶ Xo¶VmE§ Ed§ àmdYmZ V 6273,59,98,347 6275,11,03,349

AmñW{JV H$a Xo¶VmE± - 117,02,71,145

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pñWa AmpñV¶m§ IX 194,76,96,169 198,48,27,654

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¶moJ 67860,03,82,318 61892,58,58,079

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¶moJ 5820,51,53,471 5412,76,51,256

ì¶¶

ã¶mO Ed§ {dÎmr¶ à^ma 3337,09,12,099 3038,90,95,335

n[aMmbZJV ì¶¶ XIV 314,50,24,235 327,35,08,578

àmdYmZ VWm AmH$pñ‘H$ ì¶¶ 622,34,50,042 843,57,81,390

¶moJ 4273,93,86,376 4209,83,85,303

H$a nyd© bm^ 1546,57,67,095 1202,92,65,953

Am¶H$a Ho$ {bE àmdYmZ 605,89,83,886 383,10,75,132

AmñW{JV H$a g‘m¶moOZ [(AmpñV)/(Xo¶Vm)] (181,05,81,963) (20,75,85,928)

gh¶moJr g§ñWmAm| ‘| AO©Z/(hm{Z) H$m {hñgm 1,91,79,124 65,25,081

H$a nümV bm^ 1123,65,44,296 841,23,01,830

bm^ AJ«mZrV 47,01,05,408 38,51,63,808

Hw$b bm^ / (hm{Z) 1170,66,49,704 879,74,65,638

{d{Z¶moJ

gm‘mÝ¶ Ama{j{V ‘| A§V[aV 935,66,00,000 540,65,00,000

Am¶H$a A{Y{Z¶‘, 1961 H$s Ymam 36 (1) (viii) Ho$ A§VJ©V {deof Ama{j{V ‘| A§V[aV 80,00,00,000 80,00,00,000

AÝ¶

H$) {Zdoe CVma-M‹T>md Ama{j{V¶m| ‘| A§V[aV (32,18,01,399) 78,82,93,354

ñQ>m’$ H$ë¶mU {Z{Y ‘| A§V[aV 1,00,00,000 1,00,00,000

eo¶am| na bm^m§e 112,50,00,000 112,50,00,000

bm^m§e na H$a 19,75,66,875 19,75,66,875

bm^-hm{Z boIm H$m AJ«oZrV A{Yeof 53,92,84,228 47,01,05,408

¶moJ 1170,66,49,704 879,74,65,638

‘yb^yV / Ad{‘{lV à{V eo¶a AO©Z 24.97 18.69

‘hËdnyU© boIm Zr{V¶m± Ed§ boIm {Q>ßn{U¶m± (AZw~§Y I)C³V AZwgy{M¶m± bm^-hm{Z boIm H$m A{^ÝZ A§J h¢&


H¥$Vo h[a^p³V EÊS> H§$. ¶y. Oo. bmbdmZr EZ. am‘Z EZ. Ho$. ‘¡ZrgZXr boImH$ma Xoe-à‘wI H$m¶©nmbH$ {ZXoeH$ Cn à~§Y {ZXoeH$-à^mar E’$AmaEZ : 103523S>ãë¶y ({ZJ{‘V boIm d{Q>©H$b)

amHo$e amR>rgmPoXmaE‘. g§. 045228 A{Zb AJ«dmb ~r. ‘{UdÝZZ {ZXoeH$ {ZXoeH$ ‘w§~B©, ‘B© 23, 2014


31 ‘mM©, 2014 Ho$ g‘mßV df© H$m bm^ hm{Z ImVm

31 ‘mM©, 2014 Ho$ g‘mßV df© H$m bm^ hm{Z ImVm(`)

86


^maVr¶ bKw CÚmoJ {dH$mg ~¢H$31 ‘mM©, 2014 H$mo g‘mßV df© H$m bm^-hm{Z ImVm

(`)

ny§Or Ed§ Xo¶VmE§ 31 ‘mM©, 2014 31 ‘mM©, 2013

AZwgyMr I :

ny§Or

(H$) àm{YH¥$V ny§Or

- B©p³dQ>r eo¶a ny±Or (`10/- à{V eo¶a H$s Xa go 75,00,00,000 B©p³dQ>r eo¶a) 750,00,00,000 750,00,00,000

- A{Y‘mZ eo¶a ny§Or (`10/- à{V eo¶a H$s Xa go 25,00,00,000 emoÜ¶ A{Y‘mZ eo¶a) 250,00,00,000 250,00,00,000

(I) Omar, A{^XÎm Am¡a MwH$Vm ny§Or

- B©p³dQ>r eo¶a ny±Or (`10/- à{V eo¶a H$s Xa go 45,00,00,000 B©p³dQ>r eo¶a) 450,00,00,000 450,00,00,000

- A{Y‘mZ eo¶a ny°§Or - -

¶moJ 450,00,00,000 450,00,00,000

AZwgyMr II :Ama{j{V¶m§, A{Yeof Am¡a {Z{Y¶m§

(H$) Ama{j{V¶m§

i) gm‘mÝ¶ Ama{j{V¶m§

- AW eof 5532,52,13,526 4992,45,62,762

- df© Ho$ Xm¡amZ n[adY©Z 935,65,59,667 540,06,50,764

- df© Ho$ Xm¡amZ Cn¶moJ - -

- B{V eof 6468,17,73,193 5532,52,13,526

ii) {deof Ama{j{V¶m§

(H$) {Zdoe Ama{j{V¶m§

- AW eof 55,19,63,645 55,19,63,645

- df© Ho$ Xm¡amZ n[adY©Z - -


- B{V eof 55,19,63,645 55,19,63,645

I) Am¶H$a A{Y{Z¶‘, 1961 H$s Ymam 36 (1) (viii) Ho$ AZwgma Ed§ gwa{jV {deof Ama{j{V¶m§

- AW eof 1117,00,00,000 1037,00,00,000

- df© Ho$ Xm¡amZ n[adY©Z 80,00,00,000 80,00,00,000


- B{V eof 1197,00,00,000 1117,00,00,000

J) AÝ¶ Ama{j{V¶m§

i) {Zdoe CVma M‹T>md Ama{j{V¶m§

- AW eof 78,82,93,354 -

- df© Ho$ Xm¡amZ n[adY©Z - 78,82,93,354

- df© Ho$ Xm¡amZ Cn¶moJ 32,18,01,399 -

- B{V eof 46,64,91,955 78,82,93,354

(I) bm^ Am¡a hm{Z ImVo ‘| A{Yeof 53,92,84,228 47,01,05,408

87



31 ‘mM©, 2014 Ho$ g‘o{H$V VwbZ-nÌ H$s AZwgy{M¶m±(`)

(J) {Z{Y¶m± 31 ‘mM©, 2014 31 ‘mM©, 2013 (H$) amï´>r¶ B©p³dQ>r {Z{Y - AW eof 243,22,48,570 222,39,66,690 - df© Ho$ Xm¡amZ n[adY©Z/nwZam§H$Z 3,88,71,453 20,82,81,880 - df© Ho$ Xm¡amZ Cn¶moJ - - - B{V eof 247,11,20,023 243,22,48,570 (I) ñQ>m’$ H$ë¶mU {Z{Y - AW eof 22,63,72,265 22,80,55,066 - df© Ho$ Xm¡amZ n[adY©Z/nwZam§H$Z 1,00,00,000 1,00,00,000 - df© Ho$ Xm¡amZ Cn¶moJ 1,55,75,145 1,16,82,801 - B{V eof 22,07,97,120 22,63,72,265 J) AÝ¶ - - ¶moJ 8090,14,30,165 7096,41,96,768

AZwgyMr III :O‘m H$) gmd{Y O‘m 928,26,37,419 2604,86,19,905 I) ~¢H$m| go H$) gyú‘, bKw Ed§ ‘Ü¶‘ CÚ‘ nwZ{d©Îm {Z{Y Ho$ A§VJ©V 15000,00,00,000 14000,01,00,000 I) gyú‘, bKw Ed§ ‘Ü¶‘ CÚ‘ Omo{I‘ n±yOr {Z{Y Ho$ A§VJ©V 1000,00,00,000 1000,00,00,000 J) AÝ¶ - {dXoer Am¡a {ZOr joÌ Ho$ ~¢H$m| go 500,00,00,000 500,00,00,000

Cn-¶moJ (I) 16500,00,00,000 15500,01,00,000 ¶moJ 17428,26,37,419 18104,87,19,905

AZwgyMr IV :CYm[a¶m§I) ^maV ‘| CYm[a¶m§ 1. ^maVr¶ [aµOd© ~¢H$ go 5000,00,00,000 - 2. ^maV gaH$ma go

(^maV gaH$ma Ûmam A{^XÎm ` 2,172.80 H$amo‹S> Ho$ ~m°ÊS> g{hV) 3161,79,92,413 3137,79,96,461

3. ~m°ÊS> Ed§ {S>~|Ma 13066,60,00,000 11871,60,00,000 4. AÝ¶ òmoVm| go

- dm{UpÁ¶H$ nÌ 3650,00,00,000 625,00,00,000 - O‘m à‘mU nÌ - - - ~¢H$m| go gmd{Y F$U 905,17,89,999 5638,96,39,669 - gmd{Y ‘wÐm CYm[a¶m± - - - AÝ¶ 49,93,25,568 - Cn-¶moJ (I) 25833,51,07,980 21273,36,36,130 II) ^maV go ~mha CYm[a¶m± (H$) Ho$E’$S>ãë¶y, O‘©Zr 1314,99,52,598 1041,42,91,583 (I) OmnmZ B§Q>aZoeZb H$mo-AmnaoeZ EO|gr (OmBH$m), OmnmZ 4277,84,46,222 4210,88,01,924 (J) AmB©E’$ES>r, amo‘ 128,37,60,894 120,82,06,342 (K) {díd ~¢H$ 3503,91,84,661 2856,98,98,451 (S>) AÝ¶ 559,38,64,032 345,67,32,482 Cn-¶moJ (II) 9784,52,08,407 8575,79,30,782 ¶moJ (I d II) 35618,03,16,387 29849,15,66,912

88


^maVr¶ bKw CÚmoJ {dH$mg ~¢H$31 ‘mM©, 2014 Ho$ g‘o{H$V VwbZ-nÌ H$s AZwgy{M¶m±

(`)AZwgyMr V : 31 ‘mM©, 2014 31 ‘mM©, 2013

AÝ¶ Xo¶VmE§ d àmdYmZ :

Cn{MV ã¶mO 362,34,55,627 518,27,52,253

AÝ¶ (àmdYmZ g{hV) 4180,50,32,807 4112,25,00,931

{dXoer ‘wÐm Xa CVma-M‹T>md hoVw àmdYmZ 1283,11,87,410 1247,01,13,635

‘mZH$ AmpñV¶m| Ho$ {bE {H$E JE AmH$pñ‘H$ àmdYmZ 315,37,55,628 265,31,69,655

àñVm{dV bm^m§e (bm^m§e na H$a g{hV) 132,25,66,875 132,25,66,875

¶moJ 6273,59,98,347 6275,11,03,349

AmpñV¶m±

AZwgyMr VI :ZH$Xr Am¡a ~¢H$ A{Veof

1. hmW ‘| ZH$Xr Am¡a ^maVr¶ [aµOd© ~¢H$ ‘| A{Veof 7,06,969 5,86,438

2. AÝ¶ ~¢H$m| ‘| A{Veof - -

(H$) ^maV ‘|

i) Mmby ImVm| ‘| 36,70,55,087 25,45,43,513

ii) AÝ¶ {Zjon ImVm| ‘| 363,42,95,947 113,76,81,176

(I) ^maV Ho$ ~mha

i) Mmby ImVm| ‘| 8,63,47,523 1,00,00,675

ii) AÝ¶ {Zjon ImVm| ‘| 1534,85,91,641 1389,23,89,789

¶moJ 1943,69,97,167 1529,52,01,591

AZwgyMr VII :{Zdoe(àmdYmZm| H$mo KQ>mH$a)

H$) amOH$mofr¶ n[aMmbZ

1. Ho$ÝÐ Am¡a amÁ¶ gaH$mam| H$s à{V^y{V¶m± 378,83,78,095 276,73,22,178

2. ~¢H$m| Am¡a {dÎmr¶ g§ñWmAm| Ho$ eo¶a 23,95,12,137 24,03,41,237

3. ~¢H$m| Am¡a {dÎmr¶ g§ñWmAmo Ho$ ~m°ÊS>²g Am¡a {S>~|Mg© 556,38,92,000 623,38,92,000

4. Am¡Úmo{JH$ à{Vð>mZm| Ho$ ñQ>m°H$, eo¶a, ~m°ÊS>²g Am¡a {S>~|Mg© 250,24,16,342 253,01,08,526

5. Aënmd{Y {~b nwZ^©wZmB© ¶moOZm - -

6. AÝ¶ 825,44,66,583 784,71,38,259

Cn-¶moJ (H$) 2034,86,65,157 1961,88,02,200 I) ì¶dgm¶ n[aMmbZ

1. ~¢H$m| Am¡a {dÎmr¶ g§ñWmAm| Ho$ eo¶a 62,56,61,440 62,56,61,440

2. ~¢H$m| Ed§ {dÎmr¶ g§ñWmAm| Ho$ ~m°ÊS>²g Am¡a {S>~|Mg© 5,26,77,321 5,26,77,317

3. Am¡Úmo{JH$ à{VîR>mZm| Ho$ ñQ>m°H$, eo¶a, ~m°ÊS>²g Am¡a {S>~|Mg© 607,02,49,879 631,94,46,870

4. ghm¶H$ g§JR>Zm| ‘| {Zdoe - -

5. AÝ¶ 268,17,36,194 230,53,54,981

Cn-¶moJ (I) 943,03,24,834 930,31,40,608 ¶moJ (H$-I) 2977,89,89,991 2892,19,42,808

89



(`)AZwgyMr VIII : 31 ‘mM©, 2014 31 ‘mM©, 2013

F$U Ed§ A{J«‘ (àmdYmZ Ho$ ~mX)

H$) {ZåZ{b{IV H$mo nwZ{d©Îm

- ~¢H$ Ed§ {dÎmr¶ g§ñWmE± 40383,09,61,127 37193,36,56,036

- Aën {dÎm g§ñWmE± 1169,52,05,368 1132,48,81,543

- J¡a ~¢qH$J {dÎmr¶ H§$n{Z¶m± 4749,13,22,100 5468,77,05,100

- {~bm| H$s nwZ^w©ZmB© 2956,00,00,000 -

- AÝ¶ (g§gmYZ ghm¶Vm) - -

Cn-¶moJ (H$) 49257,74,88,595 43794,62,42,679

I) àË¶j F$U

- F$U Ed§ A{J«‘ 9144,11,95,442 8021,15,56,128

- àmß¶ {dÎm ¶moOZm 2841,83,77,451 4166,07,07,253

- ^wZmE JE {~b 26,99,33,596 77,90,67,772

Cn-¶moJ (I) 12012,95,06,489 12265,13,31,153 ¶moJ (H$+I) 61270,69,95,084 56059,75,73,832

AZwgyMr IX :pñWa AmpñV¶m§(‘yë¶õmg KQ>mH$a)

1. n[aga 192,70,47,584 196,70,03,881

2. AÝ¶ 2,06,48,585 1,78,23,773

¶moJ 194,76,96,169 198,48,27,654

AZwgyMr X :AÝ¶ AmpñV¶m§ :

Cn{MV ã¶mO 705,16,93,538 539,41,84,988

A{J«‘ H$a (àmdYmZ Ho$ ~mX) 103,40,26,063 259,68,97,059

AÝ¶ (`64,03,10,817 H$s AmñW{JV H$a AmpñV¶m| g{hV) 543,26,26,142 300,90,29,641

ì¶¶ {Og gr‘m VH$ ~Å>o ImVo ‘| Zht S>mbm J¶m h¡ 121,13,58,164 112,62,00,506

¶moJ 1472,97,03,907 1212,63,12,194

AZwgyMr XI :AmH$pñ‘H$ Xo¶VmE±

i) ~¢H$ na do Xmdo, {OÝh| F$U Zht ‘mZm J¶m h¡ 135,28,35,372 94,34,05,384

ii) Jma§{Q>¶m| / gmI-nÌm| Ho$ ’$bñdê$n 337,45,25,203 142,36,70,719

iii) dm¶Xm g§{dXmAm| Ho$ ’$bñdê$n 52,69,03,816 9,59,10,287

iv) hm‘rXmar à{V~ÕVmAm| Ho$ ’$bñdê$n - -

v) Am§{eH$ ê$n go MwH$Vm eo¶am|, {S>~|Mam| Am{X na Z ‘m§Jr JB© am{e¶m| Ho$ ’$bñdê$n - -

vi) AÝ¶ ‘X|, {OZHo$ {bE ~¢H$ H$s AmH$pñ‘H$ Xo¶Vm h¡ 5993,93,23,562 5039,76,16,268

¶moJ 6519,35,87,953 5286,06,02,658

90



(`)

AZwgyMr XII : 31 ‘mM©, 2014 31 ‘mM©, 2013

ã¶mO Am¡a ~Å>m

1. F$U, A{J«‘m| Am¡a {~bm| na ã¶mO Ed§ ~Å>m 5383,48,58,138 4624,83,61,648

2. {Zdoe/~¢H$ A{Veof na Am¶ 236,59,63,446 510,48,39,812

¶moJ 5620,08,21,584 5135,32,01,460

AZwgyMr XIII :

AÝ¶ Am¶ :

1. An’«§$Q> Am¡a H$ma©dmB© ewëH$ 52,74,42,851 36,71,38,725

2. H$‘reZ Am¡a Xbmbr 2,09,46,605 2,36,29,982

3. {Zdoem| H$s {~H«$s go bm^ 80,65,45,243 104,58,78,339

4. ghm¶H$ g§ñWmAm|/gh¶moJr g§ñWmAm| go bm^m§e, Am{X Ho$ O[a¶o A{O©V Am¶ - -

5. {nN>bo dfm] Ho$ n«mdYmZm| H$m nwZam§H$Z - -

6. AÝ¶ 64,93,97,188 133,78,02,750

¶moJ 200,43,31,887 277,44,49,796

AZwgyMr XIV :

n[aMmbZ ì¶¶ :

H$‘©Mm[a¶m| Ho$ {bE {H$E JE ^wJVmZ Am¡a àmdYmZ 194,02,81,544 227,34,05,560

{H$am¶m, H$a Am¡a {~Obr 17,55,86,600 22,66,60,384

‘wÐU Ed§ boIZ gm‘J«r 96,47,881 96,15,216

{dkmnZ Am¡a àMma 2,78,41,993 2,77,90,920

~¢H$ H$s g§n{Îm ‘| ‘yë¶õmg/n[aemoYZ 11,89,37,818 12,95,25,576

{ZXoeH$m| H$r ’$sg, ^Îmo d ì¶¶ 49,04,019 46,61,771

boImnarjH$m| H$s ’$sg 45,60,761 33,48,265

{d{Y à^ma 1,40,64,035 1,06,97,056

S>mH$, Hw$[a¶a Xÿa^mf Am{X 37,56,065 35,77,639

‘aå‘V Am¡a aIaImd 9,74,36,363 6,95,86,796

~r‘m 47,01,355 54,47,114

grOrQ>rE‘EgB© H$mo A§eXmZ 18,74,75,000 7,77,50,000

AÝ¶ ì¶¶ 55,58,30,801 43,14,42,281

¶moJ 314,50,24,235 327,35,08,578

91



(`)

g‘o{H$V boIo Ho$ {bE A{V[a³V {Q>ßn{U¶m±

AZw~§Y-I-‘hÎdnyU© boIm Zr{V¶m±

1 EH$b {dÎmr¶ {ddaUm| H$s AZwgyMr XV ‘| Cpëb{IV g^r ‘hÎdnyU© boIm Zr{V¶m| H$m nmbZ g‘o{H$V {dÎmr¶ {ddaU V¡¶ma H$aZo ‘| ^r {H$¶m J¶m h¡&

2 EEg21- g‘o{H$V {dÎmr¶ {ddaU Ho$ AZwén A§V:g‘yh A{Veof Ed§ A§Va-g‘yh g§ì¶dhma nyU©ê$noU hQ>m XoZo Ho$ ~mX, AmpñV¶m|, Xo¶VmAm|, Am¶ Ed§ ì¶¶ O¡gr ‘Xm| Ho$ ~hr ‘yë¶ EH$ gmW Omo‹S>H$a ~¢H$ Ed§ BgH$s ghm¶H$ H§$n{Z¶m| Ho$ {dÎmr¶ {ddaU n§p³V na n§p³V AmYma na EH$sH¥$V {H$E JE h¢& O¡gm {H$ EEg23- g‘o{H$V {dÎmr¶ {ddaUm| ‘| gh¶moJr g§JR>Zm| ‘| {Zdoe g§~§Yr boIm§H$Z ‘| {d{Z{X©îQ> h¡, gh¶moJr g§JR>Zm| H$m boIm§H$Z B©p³dQ>r nÕ{V H$m BñVo‘mb H$aHo$ {H$¶m J¶m h¡&

3 g‘o{H$V {dÎmr¶ {ddaU ‘| em{‘b ghm¶H$ g§ñWmAm| H$m {ddaU {ZåZdV h¡ :

H«$‘m§H$ ghm¶H$ g§ñWm H$m Zm‘ {ZJ‘Z H$m Xoe ñdm{‘Ëd AZwnmV bm^/hm{Z

1 {gS>~r d|Ma H¡${nQ>b {b. ^maV 100% 6,59,78,879

2 {gS>~r Q´>ñQ>r H§$nZr {b. ^maV 100% 61,68,392

¶moJ 7,21,47,271

ghm¶H$ g§ñWmAm| Ho$ {dÎmr¶ {ddaU boImnar{jV h¢

4.H$) g‘o{H$V {dÎmr¶ {ddaU ‘| em{‘b gh¶moJr g§ñWmAm| Ho$ {ddaU {ZåZdV h¢ :

H«$‘m§H$ gh¶moJr g§ñWm H$m Zm‘ (%) Ym[aVm {ddaU {Zdoe bm^/(hm{Z) H$m {hñgm

Ama{jV {Z{Y ‘| {hñgm

1 ñ‘oam 34.29 EgE‘B© H$s H«o${S>Q> aoqQ>J EOoÝgr 5,10,00,000 96,46,047 (18,61,115)

2 AmB©EgQ>rEgEb 22.73 EgE‘B© H$s àm¡Úmo{JH$s ghm¶Vm 1,00,00,000 2,79,287 20,89,103

3 AmB©EgEAmagr 26.00 ** AmpñV nwZ{Z©‘m©U H§$nZr 26,00,00,000 74,73,028 1,50,28,357

4 S>rE’$gr 23.92 amÁ¶ {dÎmr¶ {ZJ‘ 3,13,87,500 17,80,762 11,09,06,260

¶moJ 35,23,87,500 1,91,79,124 12,61,62,605

* g‘o{H$V VwbZnÌ H$s AZwgyMr II H$ (i) ‘| ` 64,68,17,73,193 (`55,32,52,13,526/-) H$s Ama{j{V {Z{Y ‘| em{‘b&** Bg‘| EgdrgrEb ({gS>~r H$s 100% ghm¶H$ g§ñWm) H$s 11% Ym[aVm em{‘b h¡&

I) g‘o{H$V {dÎmr¶ {ddaUm| ‘| {ZåZ{b{IV gh¶moJr g§ñWmAm| Ho$ n[aUm‘ gpå‘{bV Zht h¢& VWm{n, {dÎmr¶ {ddaUm| ‘| hm{Z¶m| Ho$ {hñgo Ho$ {bE nyU© àmdYmZ {H$¶m J¶m h¡&

H«$‘m§H$ gh¶moJr g§ñWm (%) Ym[aVm {ddaU {Zdoe bm^/(hm{Z) H$m {hñgm

1 ~rEgE’$gr 48.43 amÁ¶ {dÎmr¶ {ZJ‘ 18,84,88,500 (18,84,88,500)

2 OrEgE’$gr 28.42 amÁ¶ {dÎmr¶ {ZJ‘ 12,66,00,000 (12,66,00,000)

3 OoHo$EgE’$gr 23.00 amÁ¶ {dÎmr¶ {ZJ‘ 10,46,20,000 (10,46,20,000)

4 E‘EgE’$gr 39.99 amÁ¶ {dÎmr¶ {ZJ‘ 12,52,41,750 (12,52,41,750)

5 nrE’$gr 25.92 amÁ¶ {dÎmr¶ {ZJ‘ 5,23,51,850 (5,23,51,850)

6 ¶ynrEgE’$gr 24.18 amÁ¶ {dÎmr¶ {ZJ‘ 21,67,59,000 (21,67,59,000)

¶moJ 81,40,61,100 (81,40,61,100)

J) {ZåZ{b{IV {ZH$m¶m| Ho$ ‘m‘bo ‘|, hmbm±{H$ ~¢H$ Ho$ nmg 20% go A{YH$ H$m ‘Vm{YH$ma h¡, VWm{n, BÝh| Eg 23 g‘o{H$V {dÎmr¶ {ddaUm| ‘| gh¶moJr g§ñWmAm| ‘| {Zdoe Ho$ {bE boIm§H$Z Ho$ A§VJ©V gh¶moJr g§ñWmAm| ‘| {Zdoe Zht ‘mZm J¶m h¡, ³¶m|{H$ BÝh| Eogm ‘hÎdnyU© {Zdoe Zht g‘Pm J¶m h¡, {OgH$m g‘oH$Z {H$¶m OmE&

92


5 gh¶moJr g§ñWmAm| Ho$ gmW ‘hÎdnyU© boZ-XoZ H$m {ddaU {ZåZdV h¡ &

H«$‘m§H$ gh¶moJr g§ñWm H$m Zm‘ {ddaU g§{dVaU MwH$m¡Vr

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AnnuAl RepoRt 2013-14

i

Chapters

Small Industries Development Bank of India

1. Economic and Micro, Small and Medium Enterprises – Performance and Outlook.

2. Strategic Business Initiatives and Overall Operations.

3. Financial Inclusion and Sustainable Growth.

4. Impact of SIDBI’s Assistance.

5. Management and Corporate Governance.

6. Subsidiaries and Associate Organisations of SIDBI.

7. Balance Sheet & Statement of Accounts

AuditedBalanceSheetalongwithProfitandLossAccountandCashFlowStatementofSIDBI (Appendix – I).

ConsolidatedBalanceSheetalongwithProfitandLossAccountandCashFlowStatementof SIDBI including its associates and subsidiaries (Appendix – II).

ContentsLetterofTransmittalBoard of Directors

CommitteesofDirectorsProgress at a Glance

Directors Report

ReportoftheBoardofDirectorsfortheyearendedMarch31,2014submittedtotheCentralGovernment on July 21, 2014 in terms of Section 30 (5) of the Small Industries Development Bank of India Act, 1989.


ii

Letter of Transmittal

July 21, 2014

TheSecretary,Ministry of Finance, Government of India, New Delhi.

Dear Sir,

Annual Accounts and Report of the Board on the working of SIDBI – FY 2013-14

In accordance with the Provisions of Section 30(5) of the Small Industries Development Bank of India Act, 1989, I forward herewith the following documents:

(1) Copy of Annual Accounts of Small Industries Development Bank of India for the year ended March 31, 2014 and

(2) A copy of the Report of the Board on the working of Small Industries Development Bank of India during the year ended March 31, 2014.

Yours faithfully,

(N. K. Maini)

Deputy Managing Director

Encl.: as above


iii

Board of Directors of SIDBI

(As on July 31, 2014)

Shri Amarendra Sinha

Shri Anil Agrawal

Shri R. Ramachandran

Shri Alok Tandon

Shri B. Manivannan

Shri S. K. V. Srinivasan

Shri Satyananda Mishra

Shri J. Chandrasekaran

Shri N. K. Maini


iv

Executive CommitteeShri N.K. MainiShri J. ChandrasekaranShri B. ManivannanShri Anil AgrawalShri Satyananda Mishra

Audit CommitteeShri Anil Agrawal, ChairmanShri N.K. MainiShriAlokTandonShri S.K.V. SrinivasanShri R. Ramachandran

Risk Management CommitteeShri R. Ramachandran, Chairman Shri N.K. MainiShri S.K.V. SrinivasanShri J. Chandrasekaran

Committee for Supervision of SFCsShri N.K. MainiShri Anil AgrawalShri Satyananda MishraShri R. Ramachandran

Special Committee to Monitor Large Value FraudsShri N.K. MainiShriAlokTandonShri S.K.V. SrinivasanShri J. Chandrasekaran

Information Technology Strategy CommitteeShri B. Manivannan, ChairmanShri N.K. MainiShri Anil AgrawalShri Sudhir Seth (External Expert)

Customer Service CommitteeShri N.K. MainiShri J. ChandrasekaranShri Anil Agrawal

HR Steering Committee Shri N.K. MainiShriAlokTandonShri J. ChandrasekaranShri Satyananda MishraDr. Chitra Rao (External Expert)

Recovery Review Committee Shri N.K. MainiShriAlokTandonShri S.K.V. SrinivasanShri R. Ramachandran

Premises CommitteeShri B. Manivannan, ChairmanShri N.K. MainiShri Satyananda MishraLt.Col.(Retd)R.S.Chordia(ExternalExpert)

Remuneration Committee ShriAlokTandonShri B. ManivananShri Satyananda Mishra

Committees of Directors

(As on July 31, 2014)


v

Mission

Progress at Glance

To facilitate and strengthen creditflow toMSMEand addressbothfinancialanddevelopmentalgapsintheMSMEeco-system.

( ` Crore )

Financial Year 1990-91 2010-11 2011-12 2012-13 2013-14

Outstanding Portfolio 5176.8 46,053.6 53,785.1 56,059.8 61270.7

As on March 31

Items 1991 2011 2012 2013 2014

Capital -Authorised 500.0 1,000.0 1,000.0 1,000.0 1,000.0

- Paid-up 450.0 450.0 450.0 450.0 450.0

Reserves and Funds 44.9 5,868.4 6,327.9 7,053.3 8,042.3

TotalIncome(Netofprovisions) 425.1 3,442.8 3,870.4 4,557.6 5186.0

NetProfit 35.6 513.8 566.9 837.4 1,118.3

Dividend to Shareholders 5.0 112.5 112.5 112.5 112.5

Return on Avg. Outstanding Portfolio (%) 0.7 2.0 2.2 2.3 2.7

Standard Assets as percentage of net outstanding portfolio

100 99.72 99.66 99.47 99.55

Capital to Risk Assets Ratio (%) 13.9 30.6 28.9 28.1 30.8


vi

Directors’ Report FY 2013-14

TheBoardof Directors of the Bank takes pleasure in presenting its Report on the business and operations ofyourBankforthefinancialyearendedMarch31,2014.

YourBankwassetupin1990underanActoftheParliamentastheprincipalfinancialinstitutionforthepromotion,financinganddevelopmentoftheMSMEsectorinIndia.Thissector,whichhasbeengrowing strongly in the recent years, contributes immensely to the economic growth, entrepreneurship development, regional dispersions, financial inclusion and employment creation in the country.Nevertheless, the sector is beset with a number of challenges like lack of availability of adequate and timely credit, high cost of credit, limited access to equity capital, delayed payments of receivables, procurement of raw materials at a competitive cost, lack of access to global markets, inadequate infrastructure facilities, low level of technology modernization, lack of skilled manpower, etc.

SIDBI’sbusinessstrategyisorientedtowardsfillingupthefinancialandnon-financialgapsintheMSMEeco-system.SomeofthenichefinancialgapsbeingaddressedbyyourBankareriskcapital/equityassistance, sustainablefinance, i.e., promoting energy efficiencyand cleanproduction technologies,reverse factoring, services sector financing, etc. The direct finance to these niche areas by SIDBI issupplementing and complementing the efforts of the banks tomeet the varied credit needs of theMSMEs.Besides,SIDBIchannelisesindirectfinancetotheMSMEsectorthroughcommercialbanks,SFCs, NBFCs, MFIs and other sustainable intermediaries.

Business Performance

Your Bank’s total disbursement increased from `40,520croreinFY2012-13to`52,191croreinFY2013-14; recording a growth of 29%. Outstanding portfolio of the Bank increased by 9.3% to `61,271 crore as on March 31, 2014 from `56,060croreduringthesameperiod.ThecumulativedisbursementsasonMarch 31, 2014 stood at `3.37lakhcrore,benefitingmorethan340lakhunits/persons.

ThetotalincomeoftheBankduringtheyearwashigherat`5,808 crore as compared to `5,401 crore during the previous year, due to growth in the overall portfolio. The total expenditure during thecorresponding period was higher at `3,646 crore as compared to `3,361 crore during the previous year. TheProfitbeforeTaxfortheyearwas`1,539 crore, compared to `1,196croreinthepreviousyear.ThenetprofitaftertaxandDeferredTaxAdjustmentfortheyearwas 1,118 crore as against 837 crore in the previous year. Your Bank has declared a dividend of 25% for the year and continues its uninterrupted dividend payment record since inception.

Business Initiatives

Someof thenichefinancialgapsbeingaddressedbyyourBankare riskcapital / equityassistance,sustainablefinance, receivablefinance, services sectorfinancing, etc. These are the requirements ofMSMEs which are not generally catered to by the banking system. Simultaneously, your Bank acts as anurseryfornewfinancialproducts,whichcaneventuallygetmainstreamedinthebankingindustry.


vii

Risk Capital:Inordertoaddressthegapinequityfunding,SIDBIstartedprovidingriskcapital/quasiequity to MSMEs through a specialized product called Growth Capital & Equity Assistance Scheme for MSMEs (GEMS). Under this scheme, SIDBI provides risk capital assistance to MSMEs by way of equity, preference capital, subordinated debt, optionally convertible debentures, optionally convertible debt, etc.

A“National InnovationFinanceProgramme”hasbeen initiatedby theBank tomeet thefinancingandotherneedsoftheearlystageandstart-upenterprises.Itwillbeauniquenationalcollaborativeprogrammeforcreatinganenablingenvironmentforinnovationfinancinginthecountry.

Sustainable Finance: Recognizing the need for promoting Energy Efficiency (EE) and sustainabledevelopment in the MSME sector for their sustained growth in the long run, SIDBI has taken a number ofinitiativestopromoteEnergyEfficiency/CleanerProductionintheMSMEsectorthroughspecializedloan products and promotional activities.

SIDBIhasbeenoperatingfocusedconcessionallendingschemesforEEoutofLinesofCredit(LoC)from various multi-lateral agencies, viz. Japan International Cooperation Agency (JICA), AgenceFrançaisedeDéveloppement (AFD)andKreditanstalt furWiederaufbau (KfW).Themainobjectiveof these schemes is to enhance energy efficiency and reduceCO2 emissions by the Indian MSMEs. SIDBIhascontractedLoCsaggregatingtoanamountofEUR53.74millionfromKfWforpromotinginvestment in cleaner production options in the MSME sector.

Receivable Finance : Delayed payments is another concern of the MSME sector. In order to help the MSMEs in quicker realization of their receivables, your Bank has designed a scheme called Receivable Finance Scheme (RFS) under which, exposure limits are approved for well-performing purchasercompanies and MSME bills are discounted.

DuringtheFY2013-14,anewrefinancefacilityof`5,000 crore was extended by the Reserve Bank of IndiaeffectivefromNovember14,2013foraperiodofoneyear.Thefacilityaimedatprovidingliquiditysupport against the receivables of MSMEs directly and through select intermediaries like Banks, Non Banking Finance Companies (NBFCs) and State Financial Corporations (SFCs), was implemented witheffectfromDecember2013.Inashortspanfromtheimplementation,theBankfullyutilizedanddrew the facility amount of `5,000 crore from the RBI. A cumulative number of 9,718 MSMEs had been covered upto March 31, 2014 under the facility and out of the total assistance, 89% share had been deployed in micro and small enterprises.

Services Sector Financing : The services sector occupies a dominant position in India’s nationaleconomybyaccountingformorethan60%ofGDP.Thesectorwasalsothefastestgrowingsegmentofthe economy during the last decade. In view of the growing share and importance of services sector in thenationalincomeanditslimitedaccesstofinance,SIDBIhasincreasinglyfocusedonthissectorinitsbusiness.InFY2013-14,theexistingproductsweremodifiedandcertaintailor-madenewproductsintroduced for the sector. A Scheme was also devised, aimed at timely payment to MSME suppliers in construction sector.


viii

Micro Finance :Microfinance,whichpromotesinclusivegrowth,hasbeenathrustareaofyourBank.Thecumulativeassistance includingloans,equityandquasi-equity,sanctionedunderSIDBI’smicrofinance initiativesuptoMarch31,2014aggregated`9,308.01 crore, while cumulative disbursements aggregated `8,121.57crore.TheoutstandingmicrocreditportfoliooftheBankstoodat`1,170 crore as on March 31, 2014. The assistance through SIDBI has cumulatively benefited around 326 lakhdisadvantaged persons, most of them being women.

Addressing Non-financial Gaps

YourBankhasalso takenstrategic initiatives foraddressingvariousnon-financialgapsforcapacitybuilding of the MSME sector, as well as for bankers.

Information Dissemination : With a view to address the information gap by ensuring availability of relevant information to MSMEs,your Bank set up a website www.smallB.in to handhold and guide new entrepreneursonhowtosetupabusiness,accesstofinance,availbenefitsundergovernmentschemes,etc.

Credit Advisory Centres : With a view to mitigate the various challenges faced by MSMEs in Obtaining credit,SIDBIhassetupCreditAdvisoryCentres(CACs)guidingnew/existingentrepreneursregardingavailabilityofschemesofcommercialbanks,governmentsubsidies/benefits,provideborrowerswithdebtcounselling,answeringqueriesraisedbybanksetc.TheCACshavebeenservicing306clustersacrossthecountryinpartnershipwithIndustryAssociations.Thenumberofclusterscoveredwouldbe increased over a period. For manning the CACs, SIDBI has appointed Knowledge Partners (KPs) whoareretiredBankofficials,suitablytrainedforthepurpose.Sofarmorethan8200MSMEshavebenefitedthroughCACs.

Loan Syndication Services :SIDBIhaslaunchedtheLoanSyndicationServices(LSS)withtheobjectiveofsettingupanecosysteminpartnershipwithBanks,RatingAgenciesandAccreditedConsultantstoensuretimelyandadequatecreditflowtotheMSMEsbygeneratingcomplete,ratedandvalidatedproposalstobeofferedtobanks/FIsforconsiderationofassistance.TheLSShasreferredover160proposals to SIDBI and MoU Banks during the FY 2014.

Poorest State Inclusive Growth (PSIG): The PSIGprogramme, being implemented by SIDBIwithfinancialsupportfromDFID,UK,isasevenyearprogrammewhichaimstoenhancetheincomeandemployment opportunities of poor women and men in the 4 low income states (Bihar, Odisha, Madhya PradeshandUttarPradesh)byenablingthemtoparticipateandbenefitfromwidereconomicgrowth.

Entrepreneurship Development : In its endeavour towards promotion and development of the MSME sector, SIDBI adopts a twin approach of creation of enterprises and strengthening of existing enterprises. TheBankhasalsoreorienteditspromotionalactivitiestowardsentrepreneurshipdevelopment,ruralindustrialisation,skillupgradation,clusterdevelopment,whichhavebenefittedtheMSMEsectorbywayofsettingupofnewenterprises,generationofemploymentandincomeinruralareasforlowerstrata of the society.


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Resources Management

Your Bank raised resources aggregating 32,281 crore (` 31,156 crore domestic and 1,125 crore foreign) during FY 2014.

DuringFY2014,CreditAnalysisandResearchLtd.(CARE)retained‘CAREAAA’(TripleA)ratinginrespect of outstanding debt issues of your Bank , the Fixed Deposit Programme of `3,000 crore and ‘CAREA1+’(AOnePlus)ratingfortheCP/CDProgrammeof`6,000crore.Similarly,CRISILalsoretained‘CRISILAAA/Stable’ratinginrespectofoutstandingbondsand‘FAAA/stable’ratingfortheFixed Deposit Programme. During the year, your Bank had raised `2,530 crore by way of bonds using theaboveratingsassignedbyCRISIL/CARE.Instrumentscarryingtheaboveratingsareconsideredtobe of the best quality and carrying negligible investment risk.

Human Resources

AsonMarch31,2014,YourBankhadonitsrolls1043activefulltimestaffcomprising880officers,99ClassIIIstaffand64Subordinatestaff.Thestrengthofwomenemployeesis224.Trainingofemployeeshas always been pivotal for upgrading the quality of manpower and to cope with the changing business environment.Duringtheyearunderreview,yourBankmade1,578nominationsforvariousinland,in-houseandinternationaltrainingprogrammes,organizedin-houseorbyrenownedtraining/academicinstitutions.

Associates and Subsidiaries

Your Bank has been constantly working on building various institutional mechanisms to cater to the emergingneedsoftheMSMEsectorandhassetupvarioussubsidiaries/associates.Theoperationsofthe your Bank’s subsidiaries and associates have been satisfactory during the year under review.

Venture Capital Support: SIDBIVentureCapitalLimited(SVCL)isanassetmanagementcompany.It was established in 1999 with the `100croreNationalVentureFundforSoftwareand IT Industry(NFSIT).In2004,the`500croreSMEGrowthFundwasset-upandthe`671 crore India Opportunities Fundwasset-upintheyear2012.Duringtheyear,SamridhiFundwithafocusonfosteringinclusivegrowthinthe8poorerstatesofIndiaviz.Bihar,MadhyaPradesh,Odisha,UttarPradesh,Rajasthan,Jharkhand,ChhattisgarhandWestBengalcommencedoperations.

Credit Guarantee :SIDBI,alongwithGovt.ofIndia,setupCreditGuaranteeFundTrustforMicroandSmallEnterprisesinyear2000toprovidecreditguaranteecoveragetocollateralfree/third-partyguarantee free loans up to `100lakhextendedbybanks/FIstomicroandsmallenterprises.UnderCredit Gurantee Scheme (CGS), cumulatively, as on March 31, 2014, 14.20 lakh guarantees (69% for loans below `25 lakh) for an amount of `70,026 crore have been approved.

SME Ratings : SIDBI, along with few public sector banks and Dun & Bradstreet (D&B), set up SMERARatingLimitedinSeptember2005–aMSMEdedicatedthird-partyratingagencytoprovidecomprehensive,transparentandreliableratingsandriskprofiling.CumulativelyasonMarch31,2014,SMERA has assigned ratings to more than 27,000 MSME units, out of which MSEs constituted 98%.


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Asset Reconstruction : SIDBIhasalsosetup,IndiaSMEAssetReconstructionCompanyLtd.(ISARC),country’sfirstMSMEfocusedARCstriving for speedier resolutionofnon-performingassets (NPA)byunlockingtheidleNPAsforproductivepurposeswhichwouldfacilitategreaterandeasierflowofcredit from the banking sector to the MSMEs. It started operations in April 2009. As on March 31, 2014, ISARC has assets under management of around `385 crore.

Awards

Duringtheyear2013-14, theBankreceivedthe“VigilanceExcellenceAward”intheBankingSectorcategoryinstitutedbyInstituteofPublicEnterprises,Hyderabad.TheawardcameasarecognitionofthegoodworkdonebySIDBIinthefieldofVigilanceAdministration.YourBankalsobaggedaconsolationprizefromtheReserveBankofIndiaforexcellenceinthefieldofOfficialLanguageimplementationintheregion‘C’classificationforthepurpose.

Acknowledgements

TheBoardofDirectorsofyourBankacknowledgesthevaluablesupportreceivedfromtheGovernmentofIndiaandtheReserveBankofIndia.TheBoardisalsothankfultotheWorldBankGroup;JapanInternationalCo-operationAgency(JICA),Japan;DepartmentforInternationalDevelopment(DfID),U.K.;KreditanstaltfurWiederaufbau(KfW),Germany;TheDeutscheGesellschaftfürInternationaleZusammenarbeit (GIZ) Germany; International Fund for Agricultural Development (IFAD), Rome; Agence Française de Développement (AFD), France and Asian Development Bank for their continued resource support and technical co-operation. The Board places on record its appreciation for theco-operation extended to SIDBI by banks, state level institutions, industry associations and otherstakeholders engaged in the promotion and development of the MSME sector.

TheBank also thanks all its clients and investors for their co-operation and looks forward to theircontinuedsupportintheyearstocome.TheBoardplacesonrecorditsappreciationfortheservicesofSIDBIstaff,atalllevels,whoshowedstrongcommitment,integrityanddedicationtotaketheBankonto a higher growth path.

(N. K. Maini)Deputy Managing Director

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Economic and Micro, Small and Medium Enterprises – Performance and Outlook


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Economic and Micro, Small and Medium Enterprises – Performance and Outlook

RecoveryintheglobaleconomywasontrackinFY2013-14onthebackofstrengtheningofeconomicactivityduringthesecondhalfofFY2012-13.Onthecurrentreckoning,globalgrowthrateislikelytobe around 3.6% in 2014, higher than that of 3% in 2013. Growth in output in advanced economies is expected to improve, whereas growth in emerging market and developing economies will be under some pressure.

As per the Advance Estimates of the Central Statistical Organisation (CSO), the growth in Gross Domestic Product (GDP)at factor cost at constant (2004-05prices)was estimatedat 4.7% inFY2013-14withagriculture, industry and services sector registering growth rates of 4.7%, 0.4% and 6.8%, respectively. Moderationofinflationarypressure,improvementonexternalfrontbywayofimprovementinCurrentAccountDeficit(CAD)andlargerexternalcapitalflowswouldimprovethegrowthenvironment.

Micro, Small and Medium Enterprises Sector

Micro, Small and Medium Enterprises (MSMEs) across the world, including India, are the vehicle for faster,sustainableandmoreinclusivegrowth.Thereareover6000productsrangingfromtraditionaltohigh-tech items,which arebeingmanufacturedby theMSMEsector, in addition toproviding awide range of services. With 45 million enterprises, the MSME sector generates more than 100 million jobs–thesecondlargestafteragriculture[Table1.1].Italsocontributes40percentoftotalindustrialmanufacturing and 36 per cent of India’s total exports.

Table 1.1: Performance of MSMEs

Year Total Working

Enterprises (In Lakh)

Employment (In Lakh)

2006-07 361.76 † 805.23 †

2007-08# 377.37 842.23

2008-09# 393.70 881.14

2009-10# 410.82 922.19

2010-11# 428.77 965.69

2011-12# 447.73 1012.59

† Including activities of wholesale/retail trade, legal, education & social services, hotel & restaurants, transports and storage & warehousing (except cold storage) for which data were extracted Economic Census 2005, Central Statistics Office, M/o SPI.

# Projected

Source: Annual Report FY 2012-13, Ministry of MSME, Govt. of India


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Policy Environment

In order to promote growth and competitiveness in the MSME sector, the Government of India and the Reserve Bank of India have been initiating a number of supportive measures. Some of the recent measures are given below:

Union Budget 2014-15 (Interim)

• TheinterimBudgetenvisagesthatMinistryofMSMEwillcreatethe“IndiaInclusiveInnovationFund” to promote grass root innovations in MSME sector with an initial contribution of `100 crore to the corpus of the fund.

• TheNationalSkillCertificationwithanallocationof`1,000 crore was launched in August 2013. Additional contribution of `1,000croreisproposedtotheNationalSkillDevelopmentTrust.

• Notification for Public Procurement Policy, launching of Khadi Mark and establishment oftechnologyandcommonfacilityareexpectedtobenefitMSMEs.

• Additionalcapacitiesarebeinginstalledinmajormanufacturing industries such as steel, cement, refinery,powerandelectronics.

Union Budget 2014-15

• Inordertocreateaconduciveeco-systemfortheventurecapitalintheMSMEsectoritisproposedto establish a `10,000crorefundtoactasacatalysttoattractprivatecapitalbywayofprovidingequity,quasiequity,softloansandotherriskcapitaltoimprovetheentrepreneurshipcultureinthecountryandencouragestartups.Theprovisionofriskcapitaltostartupswillenablemoreinnovative ideas to take shape in the MSME sector.

• A“StartUpVillageEntrepreneurshipProgramme”withaninitialsumof 100 crore for encouraging rural youth to take up local entrepreneurship programme announced.

• Financing to theMSME sector is of critical importance, particularly as it benefits theweakestsections.Acommitteeistobesetuptoexaminethefinancialarchitectureofthesectorandgivesuggestions in three months.

• The definition of MSME will be reviewedto provide for a higher capital ceiling. A programme to facilitate forward and backward linkages with multiple value chain of manufacturing and service delivery will also be put in place.

• Entrepreneur friendly legal bankruptcyframework will also be developed for SMEs to enableeasyexit.Anationwide“DistrictLevelIncubation and Accelerator Programme” Annual Performance Review meeting of PSBs & FIs


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would be taken up for incubation of new ideas and providing necessary support for accelerating entrepreneurship.

RBI Monetary and Credit Policy

• InordertoeasetheliquiditystresstoMSEsector,RBIhadmadeavailablerefinanceassistanceof`5,000croretoSIDBI.ThisfundwasavailablefordirectliquiditysupporttofinancereceivablesbySIDBI as well as for liquidity support to Banks, SFCs and NBFCs.

• Tomitigatetheliquidityconstraintofmediumsector,RBIhasdecidedtoincludecredittomediumsectorbyscheduledcommercialbanksasprioritysectorlending.ThisrelaxationwasavailableforincrementalcreditflowtothesectorovertheoutstandingasonNovember13,2013andthiswasavailable upto March 31, 2014.

• InApril2013,thelimitofbankloanstomicroandsmallserviceenterprisesincreasedfrom`2 crore to `5 crore for the purpose of treating it as priority sector lending.

Exim Policy

Annual supplement FY 2014 to Foreign Trade Policy 2009-14, inter alia, envisages the following:

• ZerodutyEPCGschemeand3%EPCGschemehavebeenharmonized intooneschemewhichwill be Zero duty EPCG scheme covering all sectors. It means that Zero duty EPCG scheme which was in operation till 31.3.2013 is now continued and shall be available for all the sectors. Export Obligation of 6 times the duty saved amount needs to be completed in a period of 6 years and the period for import would be 18 months, which was earlier 9 months for Zero duty EPCG scheme and 36 months for 3% EPCG scheme.

• ExporterswhoareavailingbenefitsunderTechnologyUp-gradationFundScheme (TUFS)willalso be eligible for Zero Duty EPCG Scheme.

• Theimportofmotorcars,SUVs,allpurposevehiclesforhotels,travelagents,ortourtransportoperatorsandcompaniesowning/operatinggolfresortswillnotbeallowedunderthenewZeroDuty EPCG Scheme, which was earlier allowed with some conditions.

• Domestic procurement against EPCG authorization has been promoted by reducing 10% Export Obligation for sourcing of capital goods domestically.

• The2%InterestSubventionSchemehasbeenextendedupto31.3.2014.

• Scope of 2% Interest Subvention Scheme iswidened to include 134 sub-sectors of engineeringsector.

• 126newproductshavebeenaddedunderFocusProductScheme.

• About47newproductshavebeenaddedunderMarketLinkedFocusProductScheme(MLFPS).


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• IncrementalExportsIncentivisationSchemehasbeenextendedfortheyear2013-14.Thecalculationofthebenefitshallbeonannualbasisundertheextendedperiod.

• AonetimefacilityisprovidedtoclosecaseswherethereisadefaultinExportObligationpertainingtoAdvanceAuthorizationsandEPCGauthorizations.Exporterwillhavetopayduty+ interestwithin a limitedperiodof 6months from thedate of notification of the scheme subject to thecondition that the total payment shall not exceed two times the duty saved amount on default in Export Obligation.

• Service exporterswhoare also engaged inmanufacturing activity arepermitted touse ServedFromIndiaScheme(SFIS)dutycreditscripforimporting/domesticallyprocuringcapitalgoodsasdefinedinPara9.12ofFTPincludingsparesrelatedtomanufacturingsectorbusinessoftheserviceprovider.

• Hotels,travelagents,touroperatorsortourtransportoperatorsandcompaniesowning/operatinggolf resorts having SFIS scrip can import or domestically procure motor cars, SUVs and all purpose vehicles using SFIS Scrips for payment of duties. Such vehicles need to be registered for “tourist purpose” only.

• 5additionalitems(embroidery/sewingthreads/poly/quiltedbeddingmaterialsandprintedbags)are included in the list of items which are allowed duty free within the existing limits upto 5% FOB valueofexportsofhandloommade-upsinprecedingyearorwithintheexistinglimitofupto1%ofFOBvalueofexportsofcotton/man-made-upsinprecedingyear.

• Similarly,5additionalitemshavebeenaddedpertainingtosportsgoodsexports.These5itemsare(i)PVCLeatherClot(tobeusedinthemanufactureofInflatableBalls&SportsGloves),(ii)LatexFoam (to be used in the manufacture of Shin Guard & Goal Keeper Gloves & other Sports Gloves), (iii)Peva/EvaFoil(tobeusedinthemanufactureofShinGuard&SportsGloves),(iv)StitchingThread(tobeusedinthemanufactureofInflatableballs&SportsGloves),and(v)PrintingInk(tobeusedinthemanufactureofInflatableballs&SportsGloves).

MSME Outlook

With the bottoming out of economic slowdown,the prospects of the Indian economy and MSMEs have improved. The economy is expected tomove on a slow but steady recovery path during FY 2014-15, touching a high growth rate in therangeof5.4%-5.9%aspertheEconomicSurvey2013 – 14. Thereafter, the growth is expectedto accelerate on the basis of certain positive indications like considerable decline in current accountdeficit,highercapitalinflows,moderation NationalTextileSeminar-2013


6

ininflationarypressure,stabilityinexchangerate,etc.Thesegreenshootsareexpectedtoprovideacongenialatmospherefortheeconomytogrowatfasterrate.Similarly,highercreditflow,notificationof public procurement policy, higher outlays on skill development and for promoting venture funding, establishment of common facility centers, etc. will help MSMEs to consolidate their growth potential andmoveonahighergrowthtrajectory.

2

Strategic Business Initiatives and Overall Operations


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Strategic Business Initiatives and Overall Operations

SIDBI has reoriented its business strategy towards filling up the financial and non-financial gapsin the MSME eco-system. Some niche financial gaps addressed by SIDBI are equity/ risk capital,receivablefinance,sustainablefinancewhichincludesenergyefficiency/cleanproductiontechnology,servicessectorfinancing,factoringandreversefactoring,etc.Thedirectfinancetothesenicheareasissupplementingandcomplementingtheeffortsofthebanks/FIstomeetvariedfinancialneedsoftheMSMEs.

SIDBIhasalsotakenstrategicinitiativesforaddressingvariousnon-financialgapsforcapacitybuildingoftheMSMEsectors,aswellasbankers.Theseactivitiesincludeentrepreneurshippromotionthroughadedicatedwebsite ‘www.smallB.in’,CreditAdvisoryServices,LoanFacilitation,capacitybuildingof banks, particularly Regional Rural Banks towards micro enterprise lending, etc. Brief highlights of some important business initiatives are enumerated in the following paragraphs:

I Business Strategy

i Equity/Risk Capital

Risk Capital Fund:One of themajor problems faced byMSME entrepreneurs is lack of adequateequityrequiredforraisingfundsfrombanksandinstitutions.Thereislimitedavailabilityofventurecapital for smaller companies due to a host of factors, valuation complexities, limited exit options, corporategovernanceissues,rating, transparency,etc.Thus,a largenumberofentrepreneursresortto borrowings from informal sources at a very high cost to meet their requirements. Further, a large number ofMSMEs are partnership / proprietorship firmswhich do not have the required capitalstructure to absorb external equity investments.

With a view to ameliorating the problems faced by the MSMEs in accessing capital and facilitating extensionofbankfinancetoMSMEs,SIDBIhadstartedtheriskcapitaloperationsinFY2008-09undertheMSMERiskCapitalFund(MSME-RCF)withacommittedcorpusof`2,000 crore. An amount of `1,500crorehasbeendrawnoutofMSME-RCFsofar.Subsequently,IndiaOpportunitiesVentureFund(IOVF) of `5,000crorehadbeensetupintermsoftheannouncementintheUnionBudgetforFY2012-13. However, due to the inherent asset liability mismatch, the facility being in the nature of a three year loan,operationsunderIOVFhavenottakenoffadequately.

Riskcapital/equityassistanceisprovidedtoMSMEsdirectlyusingvariousmezzaninestructuresaswellasthroughFundofFundsoperation(i.e.throughVentureCapitalFunds-VCFs).Theriskcapitalassistance isofferedonthebackingof futurecashflowsandprospectsof theunitrather thanassetcoverage/collateralsapplicableunderconventionalloans.

Riskcapitalassistance,therefore,hassignificantbenefitsforMSMEswhosegrowthplansgetconstraineddue to shortage of capital and limitations in offering collaterals. The assistance has supported thegrowth requirements of a number of MSMEs including leveraging of senior loans, funding intangible requirements like expenditure for R&D, marketing / brand building, technical knowhow, energyefficiency, quality control, working capital (WC) margin, etc. where bank loans are generally notavailableassuchinvestmentsarenon-assetcreating.


9

SIDBI has also piloted a scheme to assist start-ups and early stage ventures, selectively, operatingin innovative / technologyspace, including thosebeing incubatedat technology incubationcentres.Suchunitsfinddifficultyinraisingfinancefromtheformalbankingsystemduetohighperceivedrisk(couldbeinpre-commercialisationstage,pre-profitstage,etc.),besidesabsenceoftangiblesecurity/collateralstooffer.TheBankhasbeenworkingwithincubatorsandotherAngelNetworkstoidentifyandsupportdeservingstart-ups.

TIFAC-SIDBI Technology Innovation Programme

SIDBIhasexecutedaMemorandumofUnderstanding(MoU)withTechnologyInformation,ForecastingandAssessmentCouncil(TIFAC),MinistryofScience&Technology,Govt.ofIndiaforimplementingtheTechnologyInnovationProgramme(SrijanScheme).Arevolvinginnovationfundof`30 crore has been createdbyTIFACunder the scheme.Themainobjective of the scheme is to supportMSMEstowards development, up-scaling, demonstration and commercialization of innovative technologybasedproject.TheSchemeprovidesdevelopmentalloanatflexibletermsandinterestratetoencourage/promotedevelopment/innovationofnewtechnology/process/productanditscommercialization.Under the scheme, assistance is provided upto `1croreatasofterinterestratenotmorethan5%p.a.As on March 31, 2014, an amount aggregating to `8.43crorehasbeencommittedto10innovativeunitsunder the Scheme.

ii Sustainable Development

RecognizingtheneedforpromotingEnergyEfficiency(EE)andsustainabledevelopmentintheMSMEsector for their survival and growth in the long run, SIDBI has taken a number of initiatives to promote EnergyEfficiency/CleanerProduction in theMSME sector through loanproducts andpromotionalactivities.

SIDBIhasbeenoperating focusedconcessional lendingschemes forEEoutofLinesofCredit fromvariousmultilateral/bilateralagencies,viz.JapanInternationalCooperationAgency(JICA)PhaseI-JPY30billion&Phase-II–JPY30billion,AgenceFrançaisedeDéveloppement(AFD)–EUR50millionandKreditanstaltfurWiederaufbau(KfW)–EUR50million.ThemainobjectiveoftheseschemesistoenhanceenergyefficiencyandreduceCO2 emissions of the Indian MSMEs.

SIDBIhascontractedLoCsaggregatingtoanamountofEUR53.74millionfromKfWforpromotinginvestment in cleaner production options in the MSMEsector.Themainobjectiveof the line is toachieve a reduction or avoidance of emission and pollution through cleaner production investments.

During the FY 2012-13, a new product, viz.Sustainable Finance Scheme (SFS) was launched withtheobjectivetowidenthescopeoftheBank’sofferings for sustainable development projectswhich lead to significant improvements in EE /CP/sustainabledevelopment,butarenotcoveredunderanyLoCfrom international agencies. SIDBI’s Business Review Meet at Ahmedabad


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Programmatic Clean Development Mechanism project (PcDM)

SIDBI, being the apex development financial institution for MSMEs in India, is implementing aprogrammaticproject,viz.“EnergyEfficiencyImprovementsinFurnacesusedinSMESteelindustryclustersinIndia”.ItisthefirstPcDMprojectforEnergyEfficiencyinMSMEsintheWorld.Ithasbeenregistered with United Nations Framework Convention on Climate Change (UNFCCC).

WB-GEF Project

SIDBI,alongwithBureauofEnergyEfficiency(BEE)isexecutingaWorldBank-GlobalEnvironmentalFacility (GEF) project, viz. “Financing Energy Efficiency in MSMEs” in five MSME clusters, viz.,Kolhapur- foundry, Tirunelveli- lime kilns, Ankleshwar- chemicals, Pune- forging and Faridabad-mixedcluster.Theobjectiveoftheprojectis“toincreasedemandforenergyefficiencyinvestmentsinthetargetMSMEclustersandtobuildtheircapacitytoaccesscommercialfinance”.

iii. Receivable Finance

Receivable Finance Scheme (RFS), launched in the year 1991, is one of the lead schemes of the Bank. Under the scheme, the Bank provides assistance to MSMEs to address their problems of delayed paymentinrespectofcreditsalesmadetopurchasercompanies.SIDBIoffersfinancetoMSMEsagainsttheBillsofExchange/Invoicesarisingoutofsuchsales.

DuringtheFY2013-14,anewrefinancefacilityof`5,000 crore was extended by the Reserve Bank of IndiaeffectivefromNovember14,2013foraperiodofoneyear.Thefacilityaimedatprovidingliquiditysupport against the receivables of MSMEs directly and through select intermediaries like banks, NBFCs andSFCs,wasimplementedwitheffectfromDecember2013.Theavailabilityofrefinanceunderthefacility was restricted to 90 days’ period reckoned from the date of utilization and could be rolled over uptoNovember13,2014.Thefacilitywasexecutedbywayofdirectandindirectassistancethroughvarious products, including bills rediscounting against the MSME bills discounted by the banks.

In a short span of its implementation, the Bank fully utilized and drew the facility amount of `5,000 crore from the RBI. Of this, an aggregate sum of `4,003crorewasdeployed throughpublic/privatesector banks (`2,956 crore under bills rediscounting and `1,047croreunder refinance).Thebalanceamount of `997 crore was accounted for against the Bank’s RFS portfolio. A cumulative number of 9,718 MSMEs had been covered upto March 31, 2014 under the facility and out of the total assistance, 89% share had been deployed to micro and small enterprises.

With a view to improving the quality of RFS portfolio, the Benchmark for Sanction was introduced duringtheyearinlinewithreviseddelegationofpowerframework.TheStandardOperatingProcedureforverificationofenduseoffundswasformalized.Basedonthecustomerrequirements,e-discountingmodulewasrolledoutinadditiontoNTREES.Toexpandtheoperationofseller-wisereceivablefinancescheme,anin-housemodulewassuccessfullyexecutedduringtheyear.

TheexperiencegainedfromNTREESwassharedwiththeReserveBankofIndiawhichhasnowinitiatedtheprocesstotakethisagendaintothemainstreamoffinancingbybuildingnecessaryinfrastructureat the national level.


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Factoring

PursuanttobudgetannouncementforFY2013-14oncreationofcreditguaranteefundof`500 crore for promotion of factoring business in India, SIDBI has conducted 12 seminars to enhance awareness on factoring services for MSMEs and other stakeholders.

iv. Service Sector Financing

TheservicesectoroccupiesadominantpositioninIndia’snationaleconomybyaccountingforabove60%ofGDP.Thesectorisalsothefastestgrowingsegmentoftheeconomyduringthelastdecade.

In view of the growing share and importance of service sector to national income, SIDBI has focused onincreasingtheshareofservicesectorportfolioinitsbusiness.InFY2013-14,theexistingproductsweremodifiedandcertaintailor-madenewproductsintroducedforthesector.Thenewschemeshaveprovision for cash-flowbased fundingwith lower collateral.A schemewas alsodevised aiming attimely payment to MSME suppliers in construction sector.

Inthecurrentfinancialyear,theverticalwouldfocusonintroducingmoresectorspecificproducts,strivetowardsdevisingaworkablemodelforfinancingthefranchiseemodelofbusinesses,andfinancingofinfrastructureprojects,amongotherthings.

SIDBI as Nodal Agency for Government Schemes

In addition to its direct and indirect operations, SIDBI also plays a nodal agency role in implementation ofvariousschemesforMSMEsectorundertakenbytheGovernmentofIndia(GoI),viz.CreditLinkedCapital Subsidy Scheme (CLCSS) [Ministry ofMSME], Technology Upgradation Fund Scheme forTextileIndustry(TUFS)[MinistryofTextiles],IntegratedDevelopmentofLeatherSectorScheme(IDLSS)[MinistryofCommerce&Industry],SchemeofTechnologyUpgradation/Settingup/Modernisation/ Expansion of Food Processing Industries (FPTUFS) [Ministry of Food Processing Industries] andTechnologyandQualityUpgradation(TEQUP)Scheme[MinistryofMSME]toencourageMSMEsinadoptingmodern/energyefficienttechnologies.

DuringtheFY2013-14,capitalsubsidyclaimsof754eligibleMicroandSmallEnterprises(MSEs)directlyassisted by SIDBI aggregating `43.02croreweresettledunderCLCSS.Further,subsidyclaimsof2748MSEs amounting to `167.76croreinrespectofco-optedPrimaryLendingInstitutionswerealsosettled.Since the launch of the Scheme in October 2000, capital subsidy claims of 14,833 units aggregating `829.69crore(cumulative)weresettled.SimilarlyunderTUFS,subsidyclaims(bothinterestincentivesubsidy&capital /marginmoney subsidy)of 357 eligible textileunits forSIDBI’sdirectlyassistedcases amounting to `9.78 crore and subsidy claims aggregating `2.94croreweresettledinrespectoftheco-optedPLIsfortheirassistancetoMSEs.SincethelaunchoftheTUFSinApril1999,capitalsubsidyand interest incentive claims for an amount of `682.72 crore (cumulative)havebeen settled.UnderIDLSS,whichwaslaunchedinNovember2005,cumulativeclaimsof1633unitsaggregating`251.78 croreweresettledincluding305unitsamountingto`44.36croreduringFY2013-14.UnderFPTUFS,subsequent to decentralization of the scheme from April 2007, 54 cases (involving 82 installments) have beenrecommendedforgrant-in-aidamountingto`12.71 crore to the Ministry, against which subsidy aggregating `8.96 crore has been released to 38 units assisted by SIDBI.


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II. Risk Management

SIDBI has put in place a comprehensive Risk Management system which is sensitive and responsive to variousrisksemanatingfromitsbusinessandotheroperations.Theframeworkofriskmanagementin the Bank encompasses policies, organization structure, system and practices for identification,assessment/measurement,mitigationandmonitoringofvariousrisksoftheBank.TheBankhasputinplaceanEnterpriseRiskManagement[ERM]Policywhichisreviewedannually.TheERMPolicyis an umbrella document that covers the general/common aspects pertaining to risk managementby theBank and links to the subsidiarypolicydocuments, viz. LoanPolicy, LoanRecoveryPolicy,InvestmentPolicy,Asset-LiabilityManagement[ALM]Policy,OperationalRiskManagement[ORM]Policy,BusinessContinuityManagement[BCM]Policy,ITSecurityPolicy,DelegationofPowers,etc.Besides credit, market and operational risks covered in various policies, the other risks, viz. residual credit, credit concentration, interest rate risk in banking book, legal, reputation, etc., are addressed in the Internal Capital Adequacy Assessment Process (ICAAP) Policy.

The risks associated with the Bank’s lending and treasury operations, including off-balance sheetitems, are constantly monitored, measured and managed under the overall supervision and guidance oftheRiskManagementCommitteeoftheBoard.ThoughnotenjoinedupontheBank,asaproactivemeasure to be in preparedness of compliance to Basel II norms, the Bank has put in place Integrated Risk ManagementSystem[IRMS],whichincludespoliciesandsystemsforCreditRiskManagement[CRM],MarketRiskManagement,ORMandICAAP.TheBankhasimplementedComprehensiveOperationalRiskEvaluator(CORE)systemwhichisusedforLossDataCapture,KeyRiskIndicator(KRI),andRiskandControlSelfAssessment(RCSA).TheBankhasalsoimplementedBusinessContinuityManagement(BCM) Policy which is designed to ensure continuity of critical business operations during disasters. TheintentionistoensurethattheBankisabletominimizethedisruptiontocriticaloperationsatalevelwhichisacceptabletoManagementbyputtinginplacearobustandresilientbusinesscontinuitystrategy and framework.

III. NPA Management

In order to improve the overall quality of assets of the Bank, the priority is to reduce the present level ofNon-PerformingAssets (NPAs), toprevent further slippagesof accounts intoNPAcategoryandtomaximise recovery ofNPAs by proper application of appropriate recovery tools. The stressed /defaulting accounts, both in indirect as well as direct portfolios, are being monitored intensively and appropriaterecoverystrategyisbeingadoptedbytheBankonacase-to-casebasis.AsperthedirectivesofGoI, aBoard level ‘RecoveryReviewCommittee’hasalsobeen constituted to reviewNPAcaseshaving principal outstanding of `3 crore and above.

Thesystemofconstitutinganin-houseDefaultReviewCommittee(DRC)attheOperatingOfficestomonitortheNPAaccountsandotheraccountscausingconcernhasbecomeaneffectivemonitoringtool.ThemeetingsofDRCsatvariousOperatingOfficeswereheldregularlytodecideaboutthestrategyforrecoveryofduesandresolutionofaccountscausingconcernand/orcategorisedasNPA.

DuringFY2013-14,thelevelofNPAsunderDirectAssistanceportfolio(afterPrudentialWriteOff),stoodat `394 crore as at March 31, 2014. As a measure of introspection and sharing of knowledge, the Bank has also devised a system of review of fresh slippage of accounts into the NPA category to understand


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andanalysethefailurecausesthereof.Thereasonsforfreshslippagesrelatedmainlytoborrowerslikemanagement problems, inexperience of management team, labour problems, workers, time overrun, cost overrun, etc. and to external factors like changes in policy, power related problem, recession in the industry,generalslow-downintheeconomy,lackofadequateworkingcapital,unfavourablechangesinmarketforces,etc.Therewerealsoafewcasesofwillfuldefault/misappropriation/diversionoffunds.

TheBank is takingnecessaryaction including restructuringmeasures (underCDRmechanismandSIDBI’s scheme), wherever found necessary to help the borrowers in tiding over their liquidity problems. At the same time, the Bank has recovered 157.83 crore from NPA accounts under Direct Credit portfolio, including `36.91croreoutofprudentiallywrittenoffaccountswheretherewereremoteornilchancesof recovery.

In case of Indirect Assistance portfolio (including Micro Finance) the level of NPAs increased to `732 croreasonMarch31,2014.TheBankhasbeentakinganumberofinitiatives,includingdialogueswiththe State Governments concerned, to safeguard its interests in respect of NPA of SFCs.

ThenetNPAsasaratioofnetoutstandingoftheBankasatendofMarch2014improvedto0.40%ascompared to 0.53% as at end March, 2013.

IV. Overall Operations

ThetotalMSMEoutstandingcreditoftheBankincreasedby9.3%to`61,271 crore as on March 31, 2014 asagainst4.2%in2013(Table2.1).ThecumulativedisbursementbySIDBItotheMSMEsectorsinceinception stood at `3.37lakhcrore,benefitingmorethan340lakhpersons/unitsintheMSMEsector.

Table 2.1 : Overall Operations (` Crore)

ParticularsFY 2013 FY 2014

Disbursement O/s Amt Disbursement O/s Amt

Indirect Credit

a. Refinance 22,870 37,193 34,255 40,383

b. MicroFinance 323 1,132 651 1,170

c. Others 4,243 5,469 4,672 7,705

Total Indirect Credit 27,435 43,794 39,578 49,258

Direct Credit

a. TermLoanunderDirectCredit 1,557 8,021 3,215 9,144

b. MSMEReceivableFinance 11,528 4,244 9,398 2,869

Total Direct Credit 13,085 12,265 12,613 12,013

Grand Total 40,520 56,060 52,191 61,271

Note:- OutstandingfiguresarenetofprudentialwriteoffandNPAprovisions.


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Indirect Credit

Indirectcreditconstitutes80%oftotalcreditoutstandingofSIDBI.Itcomprisesrefinancingsupportto banks, State Financial Corporations (SFCs), Bills Rediscounting support to banks, assistance to Microfinance Institutions (MFIs) and resource support to various institutions and agencies. Theoutstanding of indirect credit increased by 12.5% to `49,258 crore as on March 31, 2014 as against a growthofonly3%in2013(Table2.1).

Refinance Scheme for Micro and Small Enterprises Sector (RMSE - V)InordertofurtherenhancetherefinancecapabilityofSIDBI,theGovernmentofIndia,throughBudgetfor FY 2013-14, increased the allocation from the current level of `5,000 crore to `10,000 crore per year. Accordingly, Reserve Bank of India allocated a corpus of `10,000 crore to SIDBI under the MSE (Refinance)FundFY2013-14.Outofthecorpusof`10,000 crore allocated, SIDBI disbursed `2,047 crore to banks for onward lending to MSEs. Reserve Bank of India stipulated a condition that SIDBI should ensurethattherefinancewasextendedonlyinsuchcaseswheretheinterestratechargedbybankstotheultimateborrowerswasreasonable,i.e.,notmorethanthebaserateofrefinancedbanks.SIDBIwasalsorequiredtoensure that the interest ratechargedbySFCs/others to theultimateborrowerswasnotmorethantwopercentaboveSIDBI’slendingratetothem.Duetonon-availabilityofassetsbythebanks lent at not more than their base rates and well performing assisted SFCs lending on longer terms, the corpus of `10,000 crore could not be fully utilised during the year under review.

Micro FinanceThecumulativeassistanceincludingloans,equityandquasi-equitybutexcludingIndiaMicrofinanceEquityFund(IMEF)&PoorestStateInclusiveGrowth(PSIG)sanctionedunderSIDBI’smicrofinanceinitiatives upto March 31, 2014 aggregated 9,308.01 crore, while cumulative disbursements aggregated `8,121.57crore.TheoutstandingmicrocreditportfoliooftheBankstoodat 1,924.00 crore, as on March 31, 2014.ThenumberofMFIsassistedbySIDBIandhaving loanoutstandingwith theBankasonMarch 31, 2014 stood at 84. The assistance throughSIDBIhas benefited around 326 lakh (approx.)disadvantagedpeople,mostofthembeingwomen.ThecomparativeoperationalhighlightsofSIDBI’sMicro Finance Support are given in the following table 2.2.

Table 2.2 : Assistance under Micro Credit Loans and Equity/ Quasi Equity Assistance

(` Crore)SI. No.

Particulars FY2012-13 FY2013-14 Cumulative

Disb. Outstanding Disb. Outstanding Disb.

1 TermLoanstoMFIs 335.02 1,222.22 581.00 1,276.31 7,693.58

2 Missing Middle Assistance to PFIs/NBFCs

50.00 50.00 33.00 75.29 136.14

3 MEL-DirectLending 0.04 3.54 0.00 1.42 12.25

4 TransformationLoan(TL)/Corpus Support for Transformation

0.00 1.85 0.00 1.85 19.05

5 Subordinate Debt 0.00 100.00 0.00 100.00 175.00


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6 Equity Support 0.00 86.48 0.00 84.89 85.55

7 Optionally Convertible Cumulative Preference Shares

0.00 287.63 0.00 275.04 0.00

8 Compulsory Convertible Preference Shares

0.00 109.20 0.00 109.20 0.00

Total 385.06 1,860.92 614.00 1,924.00 8,121.57

India Microfinance Equity Fund

SubsequenttotheannouncementintheUnionBudget2011-12,theIndianMicrofinanceEquityFund(IMEF)wassetupwiththeprimaryobjectiveofprovidingequityandquasi-equitytosmallerMFIstohelpthemmaintaingrowthandachievescaleandefficiencyintheiroperations.AsattheendofMarch31, 2014 the outstanding under IMEF stood at `92.25crore(Table2.3)

Table 2.3 IMEF Operations (` Crore)

Scheme FY 2013 FY 2014

Disb. Outstanding Disb. Outstanding

Sub-Debt 44.50 44.50 3.00 47.50

Equity 8.25 8.25 3.00 11.25

OCPS 20.50 20.50 13.00 33.50

Total 73.25 73.25 19.00 92.25

TheBankalso extended assistance under Poorest State Inclusive Growth Programme (Department for International Development). Under Debt Fund of the scheme `71.29 crore (`11 crore in FY2013) was sanctioned out of which, `46.01crorewasdisburseduptoMarch31,2014.Theoutstandingunderthescheme stood at `40.35 crore as on March 31, 2014.

Resource Support to Institutions:

TheNBFCsplayacrucialroleinbroadeningaccesstofinancialservices,enhancingcompetitionanddiversificationinthefinancialsector.AsalastmileconnectivitytoMSMEs,SIDBIhasbeenchannelisingcredit toNBFCshaving linkageswith theMSME sector. Thedisbursement andoutstandingunderresource support to such institutions during FY 2013-14 stood at `1,200 crore and `4,739.13 crore, respectively.

Direct MSME Credit

Subsequenttotheconsolidationofitsnewbusinessmodel,SIDBIstrengtheneditsnichefinancingintheareasofriskcapital,receivablefinancing,sustainablefinancingforpromotingenergyefficiencyandcleanerproductionandservicesectorfinancing.Directlendingisprovidedprimarilywheregapsexistorinclustersorinnicheareasasmentionedabove.SIDBIcomplementsandsupplementstheeffortsofbanksinmeetingvariedcreditneedsofMSMEsbythisway.Thehighlightsare:


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AsattheendofFY2013-14,theoutstandingunderRiskCapitalwas`801 crore.

SIDBIalsoextendsassistanceto‘VentureCapitalFunds/PrivateEquityFunds’.ThecumulativenetcommitmentstoVC/PEFundsunderMSMERCF&IOVFasattheendofFY2013-14stoodat`897 crore.

The outstanding portfolio under Receivable Finance Schemes (RFS) as at endMarch 31, 2014aggregated `2,869 crore (`4,244 crore at the end of the previous year).

OveralloperationsunderServiceSectorfinancingregisteredagrowthof51%from`1,452 crore as at the end of March 31, 2013 to `2,191 crore as at the end of March 31, 2014.

Non-Fund Based Facility

TheBankalsoprovidesvariousnon-fundbasedserviceslikeLettersofCredit(bothforeignandinland),Guarantees, services for appraisal, loan syndication, etc., in addition to services provided within the traditionalbankingframework.Summaryofbusinessundernon-fundbasedfacilityduringFY2013-14isprovidedinTable2.4.

Table 2.4 : Non-Fund Based Business (` Crore)

ParticularsFY2012-13 FY2013-14

No. Outstanding No. Outstanding

ForeignLettersofCredit 69 62.19 76 272.62

InlandLettersofCredit 11 2.45 1 1.66

Guarantee Scheme 107 52.90 226 50.55

Total 187 117.54 303 324.83

V. Resources Management

Resources aggregating `32,281.32crorewereraisedbySIDBIduringFY2013-14asagainst`13,245.88 croreduringFY2012-13.TheparticularsofresourcesraisedduringFY2013-14aregiveninthetablebelow:-

Table 2.5 Resources raised by SIDBI (` Crore)

2012-13 2013-14

Domestic Borrowings

MSE(Refinance)Fund 5,289.13 5,000.00

MSME (Risk Capital) Fund 500.00 0.00

RBIRefinanceFacility 0.00 5,000.00

India Opportunities Venture Fund 500.00 0.00

Fixed Deposits 664.71 247.98


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Commercial Paper 2,058.48 16,877.65

TermLoan 2,800.00 1,500.00

Unsecured Bonds 750.00 2,530.00

Sub-total 12,562.32 31,155.63

Foreign Currency Borrowings

JICAVIII# 404.49 208.79

KfW V @ 70.79 198.95

KfW VI @ 23.55 75.02

KfW VIII @ 0.00 11.71

KfW IX @ 0.00 15.77

World Bank II 7.77 108.69

World Bank III (IBRD Portion) 155.05 322.70

World Bank III (IDA Portion) ^ 0.66 0.22

AfD * 0.00 77.55

Asian Development Bank 0.00 81.23

Grant from DFID, UK ** 18.96 22.20

Grant under KfW 0.88 0.72

Grant under World Bank 1.41 1.13

Grant from ADB 0.00 0.02

Grant from GIZ 0.00 0.98

Sub-total 683.56 1,125.69

Total 13,245.88 32,281.32

# Japan International Cooperation Agency. @ Kreditanstalt für Wiederaufbau, Germany.^ International Development Association, * Agence Francaise de Development, France** Department For International Development, U.K.

It may be observed that SIDBI borrowed `31,156 crore during FY 2013-14 from domestic sourcesas compared to `12,562 last year. From international sources, a sum equivalent to `1,126 crore was borrowed/ availed as grantduringFY 2013-14 as against`684 crore last year. The borrowings andgrants frombilateral/multilateral institutions reflect continuedgood relationshipwith these foreigninstitutions. During FY 2013-14, CreditAnalysis and Research Ltd. (CARE) retained ‘CAREAAA’(TripleA)ratinginrespectofoutstandingdebtissuesofSIDBI,theFixedDepositProgrammeof`3,000 croreand‘CAREA1+’(AOnePlus)ratingfortheCP/CDProgrammeof 6,000crore.Similarly,CRISILalsoretained‘CRISILAAA/Stable’ratinginrespectofoutstandingbondsand‘FAAA/stable’ratingforthe Fixed Deposit Programme. During the year, SIDBI had raised `2,530 crore by way of bonds using theaboveratingsassignedbyCRISIL/CARE.Instrumentscarryingtheaboveratingsareconsideredtobe of the best quality and carrying negligible investment risk.


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TotakeSIDBI’sinternationalcooperationtogreaterheightand to share,acrossdifferentgeographies,its learning and experiences gained over more than two decades of its operations, the Bank had setupanInternationalCo-operationVertical.TheVertical interacted with several delegations from Ethiopia, Bangladesh and Bahrain during the year. Thedelegationsdeliberatedondifferentwaysandmeans on improving the MSME ecosystem in their respective countries with SIDBI’s support.

An MoU was signed with Bahrain Development Bank (BDB) group on February 19, 2014 for providing consultancy services in the areas of risk management, credit appraisal, monitoring policy and NPA management, besides training of BDB officialsandsupportindevelopingpolicyforinternationalizationofSMEsinBahrain.Incidentally,anMoU was also signed with the Social Fund for Development (SFD), Egypt in FY 2013 for cooperation in fivethematicareas.Duringtheyear,adelegationfromSFDvisitedSIDBItocrystallizetheactionplan.

Conferenceon‘MSMEFunding-Opportunities and Challenges’ by CII

3

Financial Inclusion and Sustainable Growth


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Financial Inclusion and Sustainable Growth

TheMicroFinance(MF)sectorwitnessedarevivalafterstreamliningofvariousregulatoryguidelines,which have ensured a strong and clear outline for Micro Finance Institutions (MFIs) to operate in the system.TheguidelinesalsoprovideaplatformforMFIlenderstoassesstheMFIsperformanceintermsofsustainabilityaswellasregulatorycompliance.ApromisingdevelopmentinthemicrofinancesectorinrecentperiodhasseentheriseintheflowofbankfundstoMFIs.

In order to further strengthen the corporate governance in themicro finance system, SIDBI has beenrelentlesslypromotingresponsiblemicrofinanceinitiatives.Withthisbackground,aspartofitsinitiatives,SIDBIhascreatedaLenders’ForumcomprisingkeyMFILenderswithaviewtopromotecooperationamongstthemselvesforleveragingsupporttoMFIsacrossthesector.AllthemajorlendersofMFIshaveagreed to work together to impress upon the MFIs to implement responsible lending practices through a commonsetofloancovenants.Bankshavealsoagreedtostrictlyexamineandcontinuouslymonitorfieldlevel practices of their assisted MFIs like adherence to KYC norms etc. Pursuant to initiatives of SIDBI, Regional chapters of “Lenders’ Forum”have been set up for better co-ordination among lenders andcloser interaction with the MFIs. So far, SIDBI has conducted 8 meetings of the Forum.

SIDBI,alongwiththeindustryassociationsformicrofinanceinIndiaviz.,MFINandSa-Dhan,hasputinplacetheunifiedCodeofConductformicrofinanceinstitutionsinthecountry.ThecodemandatesMFIstoprovidelowincomeclientswithaccesstofinancialservicesthataredesignedtomeettheirneedsandare delivered in a manner that is ethical, transparent, and respectful of client’s dignity ensuring right to privacy of information. It is expected that the code will be instrumental in reinstating the faith of the stakeholdersinthemicrofinanceinstitutionsandgivethesectoramuchneededstimulus.

SIDBIhasbeeninvolvedindevelopmentofaCodeofConductAssessment(COCA)Tool,whichappliesto providing credit services, recovery of credit, etc, for MFIs to assess their degree of adherence to the voluntarymicrofinanceCodeofConductformulatedbytheMFIs.Further,theBankhasissuedguidelinestoundergoCOCAbyfiveempanelledagencies,i.e.AccessASSIST,ICRAManagementConsultingServicesLtd.,MicroCreditRatingsInternationalLtd.,PrimeM2iConsultingServicesLtd.andSMERatingAgencyof IndiaLtd.TheBankreimburses75%of thecostofCOCAsubject toamaximumreimbursementof`1,50,000/-.Atotalof61assessmentshavesincebeenundertakenandreportsof56MFIshavebeenplacedinthepublicdomain.Lookingatthegreatersignificanceoftheexerciseinthesector,theBankhastakenupa fresh round of COCA exercise for 16 MFIs including repeat assessments of 8 MFIs who had undergone COCAinthefirstphasethroughaforesaidagencies.

AspartofitsResponsibleLendinginitiativesundertheWorldBankLineofCredit,SIDBIhassupportedtheIndiaMicroFinancePlatform(IMFP)developedbyMIXtoprovideanddisseminatevariousfinancialandoperationalinformationonIndianMFIs.Itisaglobal,web-based,microfinanceinformationplatform,tailoredforIndia.TheMFIsarerequiredtosubmitfinancialandoperationaldata,atperiodicintervalsinastandardizedformat,thusenablinghigherdegreeoftransparency/disclosureswithease.Theprojectis to expand thedepth and breadth of publicly available data on IndianMFIs. The IMFPproject hasalreadyresultedinenhanceddatacoverageforIndia’smicrofinancesectorthroughgrowthinthenumberofreportingMFIsaswellasdevelopmentofgranular,district-leveldata.

Initiatives in the underserved States including North-Eastern RegionTaking cognizanceof the regionalgrowthasymmetry in the sector andwithaview toupscalingandwidening the outreach of the micro-finance operations, the Bank has been constantly taking several


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proactivestepstoincreasetheflowofassistancetohithertounderservedareas,viz.NorthEasternRegion(NER),andinStateslikeRajasthan,UttarPradesh,MadhyaPradesh,Uttarakhand,Bihar,WestBengal,Jharkhand,Odisha,Chattisgarh,etc.TheseincludedevelopmentoflocalMFIs,inducinglargerMFIsfromtheSouthernstatestoexpandoutreachinunderservedareas,intensifyingeffortsinidentifyingsuitableMFIs who have the potential of becoming long term partners and providing need based capacity building support to MFIs.As on March 31, 2014, all the 84 MFIs having outstanding loans from SIDBI had a substantial part of their operationsintheunderservedstates/areasofthecountryincludingNorthEasternRegion.

Portfolio Risk FundTheGovernmentofIndiahascommittedsupportof`150 crore under Portfolio Risk Fund (PRF) Scheme, which is being utilised by the Bank for meeting 7.5% of the term loan towards security cover (against the normalrequirementof10%)oftheMFI’srequirementsunderMicroCreditScheme.Thescheme,whichwas originally extended to cover the entire country, has been made applicable to the underserved States andunderservedpockets/districtsinotherstates(withemphasisonSC,ST,Minority,OBCandwomen)witheffectfromJuly01,2008.ThePRFcorpuswasavailableforaperiodof5yearswitheffectfromFY2007andaimedtocover50lakhbeneficiariesthroughoutthecountry.Cumulatively, as on March 31, 2014, the disbursement to eligible MFIs under PRF stood at `2,059.16 crore, entailing PRF requirement of `154.44 crore (being 7.5% of eligible loan disbursements). Government of India (GoI) had, upto March 31, 2014, released an amount of `116.10 crore under PRF besides interest credit of `32.92 crore. During the year, Govt. of India has allowed SIDBI to redeploy `57.72 crore available out of full repayment of loans covered under PRF earlier.

India Microfinance Equity FundGovt.ofIndiaintheUnionBudget2011-12,announcedthecreationof“IndiaMicrofinanceEquityFund”(IMEF) with corpus of `100crore,tobemanagedbySIDBI.Theobjectiveofthefundistoprovideequityandquasi-equitytosmallerMFIstohelpthemmaintaingrowthandachievescaleandefficiencyintheiroperations.Subsequently,inthebudgetforFY2013-14,anadditionalamountof 200 crore was announced by the Finance Minister for funding targeted MFIs.Till theendofMarch2014, theBankhascommittedanamountof`126.75 crore to 45 MFIs under the Scheme. Disbursements are currently underway for the MFIs assisted out of IMEF, upon completion of necessaryformalities,documentationandcomplianceofpre-disbursement/pre-investmentconditionsbytheMFIs.TillMarch31,2014,anamountof`92.25crorehasbeendisbursedoutofthecommittedamount.

International Collaborations• The Bank has signed agreement with

Kreditanstalt fur Wiederaufbau (KfW),Germany for loan support of EUR 85 million andfinancialcontributionofEUR1.69millionforimprovingaccesstomicrofinanceproductsin India among the poor, particularly women through MFIs.

• The Bank has entered into collaboration withAsian Development Bank (ADB) for loan support of USD 50 million which would provide SIDBI with long tenor funding to support the vital “missing middle” through specific financing 14th Post Graduation Convocation Programme of EDI


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programs.Theproject covers theStatesofMadhyaPradesh,Maharashtra,Odisha,RajasthanandUttarPradeshandisaimedatputtinginplacefinancialliteracyandothersupportmeasuresforthelow income women in select states.

• With a view to upscaling the micro credit portfolio, SIDBI has contracted a loan of USD 300 million from the World Bank, including USD 200 million from International Bank for Reconstruction and Development (IBRD) and SDR equivalent of USD 100 million from International Development Association(IDA).Theprojecttitled“ScalingUpSustainableandResponsibleMicrofinance”aimsatscalingupaccesstosustainablemicrofinanceservices,particularlytoclientsintheunderservedareasofthecountry,throughamongotherthings,introductionofinnovativefinancialproductsandfosteringtransparencyandresponsiblefinance.

• TheBankhassignedanotheragreementwithKfW,GermanyforloansupportofEUR100millionandfinancialcontributionofEUR0.50millionforassistancefor‘MissingMiddle’(i.e.,loanbetween`50,000 to `10 lakh) of the MSME sector in India.

Promotional & Developmental Initiatives As a part of the new business model, SIDBI adopts a ‘Credit Plus’ approach by providing variousPromotional & Developmental (P&D) support primarily aimed at capacity building of the MSME sector. ThebriefhighlightsofvariousP&DactivitiesundertakenbytheBankaregivenbelow:

i. Credit Advisory Centres : With a view to mitigate the various challenges faced by MSMEs in Obtaining credit,SIDBIhassetupCreditAdvisoryCentres(CACs)guidingnew/existingentrepreneursregardingavailabilityofschemesofcommercialbanks,governmentsubsidies/benefits,provideborrowerswithdebtcounselling,answeringqueriesraisedbybanksetc.TheCACshavebeenservicing306clustersacrossthecountryinpartnershipwithIndustryAssociations.Thenumberofclusterscoveredwouldbeincreasedover a period. For manning the CACs, SIDBI has appointed Knowledge Partners (KPs) who are retired Bankofficials,suitablytrainedforthepurpose.Sofarmorethan8200MSMEshavebenefitedthroughCACs.

ii. Loan Syndication Services : SIDBI has launched the Loan Syndication Services (LSS) with theobjective of setting up an ecosystem in partnership with Banks, Rating Agencies and AccreditedConsultantstoensuretimelyandadequatecreditflowtotheMSMEsbygeneratingcomplete,ratedandvalidatedproposalstobeofferedtobanks/FIsforconsiderationofassistance.TheLSShasreferredover160 proposals to SIDBI and MoU Banks during the FY 2014.

iii. Promoting youth entrepreneurship – smallB.in: SIDBI has launched the website www.smallB.in which isavirtualmentorandhandholdingforumforthepotential/buddingandevenexistingentrepreneurstosetupnewunits andgrow theexistingones.Thewebsite isquite exhaustive, coveringvariousaspectssuch as scouting for business opportunities, understanding various forms of business organizations, legal basics,BusinessPlanpreparation,understandingvariousrequirementsforobtainingcreditfromBanks/FinancialInstitutions,knowingPoliciesandRegulations,schemesandincentivesofferedbytheCentralandStategovernmentsetc.Thewebsite,thus,mitigatesthehesitationofyoungpotentialbuddingentrepreneurs/ individuals instarting theirbusinessandencouragesentrepreneurshipasanalternativeavenue to jobseeking.

iv. Capacity Building of RRBs/UCBs/DCBs: RRBs play an important role in providing credit to micro andsmallenterprisesduetotheirproximityandpresenceintherural/semiurbanandremoteareas.SIDBIinitiated capacitybuildingofRRBs/UCBs/DCBswith anobjective to enhance the creditflow tomicroenterprise sector. Four sensitization programmes have been organized, covering 27 RRBs and 10 UCBs. Basedontheinterestevinced,MoUswith27RRBsand5DCBshavebeensigned.Afteradetailedtraining


23

need analysis with a few banks, a comprehensive 2 days training module has been developed and pilot tested.Basedonthetrainingmodule,‘TrainingofTrainers’programmeshavebeenconductedbenefitingabout350officialsof40RRBs/UCBs.

v. Rural Industrialization : Micro Enterprise Promotion Programme (MEPP) aims at promoting viable micro enterprises leading to employment generation in semi urban/rural India by providingcomprehensiveenterprisesupportservicesthroughidentifiedimplementingagencies.Theprogrammehelps in identifying,motivatingandguiding theentrepreneurs in settingupmicroenterprises.MEPPhas so far been implemented in 121 districts in 24 states as on March 31, 2014. Cumulatively, about 41000 enterprises have been promoted, including 1000 during the current year.

vi. Entrepreneurship Development Programmes (EDPs) :TheBanksupporttoEDPsaimatbuildingandnurturing a reservoir of entrepreneurs, while creating a cadre of bolstered entrepreneurs and promotion ofself-employedventurescapableofgeneratingemploymentopportunities,especiallyinfar-flungandruralareastargetinglessprivilegedsectionsofthesocietylikewomen,minoritiesandSC/ST.AsonMarch31, 2014, the total number of EDPs supported by the Bank, since inception, for various target groups was 3028,benefitingmorethan75,000participants.ThesuccessrateofBanksupportedEDPshasbeenintherange of 50% to 55%. Cumulatively, about 38000 participants have either set up their own units or have been gainfully employed in the sector.

vii. Skill Development : With a view to strengthening the technical and managerial capacities of the MSMEentrepreneurs, theBank supports reputedmanagement/technology institutions tooffer certainstructured management/skill development programmes, viz. “Skill-cum-Technology UpgradationProgramme”(STUP)and“SmallIndustriesManagementAssistantsProgramme”(SIMAP).AsonMarch31,2014,thetotalnumberofSTUPsandSIMAPssupportedbytheBanksinceinceptionwere1,532and300,respectivelybenefitingabout41000participants.

viii. Cluster Development : SIDBI has supported more than 85 Cluster Development Programmes (CDPs) in various clusters all over India. The paradigm shift in the Bank’sCDPsduring the last fewyears is basically from technology centric to a more comprehensive cluster development approach which includesmanagementpractices,establishmentofmarketinglinkages,product/designdevelopment,skillupgradationindifferenttechnicaltrades,etc.

ix. Minority Group Development : As per the recommendations of Sachar Committee, the field officeshavebeenadvisedtocovermaximumnumberofparticipantsfromminoritycommunitiesundervariousP&Dactivities.TheMEPP in theGovernmentnotifiedminority focuseddistrictofKishanganjin Bihar is under implementation, wherein about 160 units were set up during the year. Cumulatively, about6200personsfromminoritycommunityhavebeendirectlybenefitedfromvariousdevelopmentalactivities so far.

x. Promoting Innovation and Incubation : With a view to identify and commercialise grassroots innovations all over the country, the Bank had supported the National Innovation Foundation, Ahmedabad by way of corpus support of `400 lakh and administrative grant of `100 lakh to set up Micro Venture InnovationFund(MVIF)in2003foraperiodof10years.Thefundhassupportedabout194innovationsas on March 31, 2014.

Further, with a view to foster successful entrepreneurs and develop industry in the knowledge and technologybased areas in the small enterprises, SIDBIhad supported settingupof SIDBI Innovationand Incubation Centre (SIIC) at Indian Institute of Technology, Kanpur in January 2002. SIIC has sofarincubated48start-upsindiverseareasofstateofthearttechnologiesoutofwhich22havealreadygraduated.TheCentrewasawarded ’NationalAwardforTechnologyBusiness Incubator’ for theyear


24

2011 by National Science&TechnologyEntrepreneurshipDevelopmentBoard,DepartmentofScienceandTechnology.xi. Poorest State Inclusive Growth Poorest State Inclusive Growth (PSIG) Programme being implemented by SIDBI is a seven year programme aimed at enhancing the income and employment opportunities of poor women and men in the4 low incomestates (Bihar,Odisha,MadhyaPradeshandUttarPradesh)byenabling themtoparticipateandbenefitfromwidereconomicgrowth.Duringtheyear,thefollowingkeyinitiativeswereundertaken under the programme : • Setting up of a Liquidity Fund (approximately `100 crore) to improve liquidity in the micro

financesectoraswellas toencourage thebankers toenhance lending to theMFIsbycreatingademonstrationeffect.TheFundoffersriskcoveragetoinstitutionsfortheirlendingtoMFIsinPSIGstatesasalsoprovidedebtfundstosmallerMFIsdirectlyforthepurposeofon-lending.Further,softloanisofferedunderthefundtomediumandlargeMFIsinareassuchasexpansionofbranchnetworkinPSIGstates,adoptionoftechnologybasedmodelsfordeliveryoffinancialservicestoreduce operating costs, pilot testing and roll out of new & innovative product and expansion of otherfinancialservices(viz.micropension,insurance,etc.)etc.

• Providing capacity building grant assistance to MFIs operating in PSIG states • SettingupofaNationalThinkTankconsistingofeminentexpertsinthemicrofinance/development

sector to provide overall strategic direction and guidance to the various initiatives. • SupportingSa-Dhan,aprominentnetworkofMFIs,forlaunchingacoordinatedsectoralinitiative

withMicroFinanceInstitutionsNetwork(MFIN)towardsre-buildingthecredibilityoftheMicroFinance sector by interacting with stakeholders, such as, State Governments, Banks etc.

• Commissioning a study of leadingBankCorrespondentmodels on thedelivery structure, cost-effectivenessandviability,scaleandefficiency,etc.toidentifythecriticalsuccessfactorsinBihar.

xii. SIDBI’s Support for North Eastern Region (NER)TheBankaccordsspecialandfocusedattentiontothedevelopmentofNorthEasternRegion(NER)intermsofmicrofinance,ruralindustrialisation,handicraftclusterdevelopment,entrepreneurshipdevelopment,marketingsupport,etc.Themajorinitiativesaredetailedasunder:• Under the Bank’s Micro Enterprises Promotion Programme (MEPP), 23 districts in NER have so far

beencoveredincluding1MEPPsanctionedinFY2013-14forSonitpurdistrictofAssam.TheseMEPPshave cumulatively resulted in promotion of more than 2,400 units.

• TheBankhas supported 43ClusterDevelopmentProgrammes (CDPs) indifferent states ofNERcovering activities like bamboo mat weaving, carpet weaving, handicrafts, handloom weaving,pottery, bee keeping, making fish feed products, etc. These cluster development initiatives havebenefittedaround6,400artisans.

• TheBankhasconductedmorethan339EDPsinNERbenefitingover15,000participants.TheBankhas so far conducted about 132 Skill cum Technology Upgradation Programmes (STUPs) / SkillDevelopmentProgrammesbenefitingover4500participantsintheentireNER.

• A Memorandum of Understanding was executed with NEDFi in March 2012 for providing variousfinancialanddevelopmentalservicesincludingMSMEfinance,MicroFinanceandalsoforundertakingvariousP&DactivitiesinNER.Underthisarrangement,8CreditCounselingCentres/Business Facilitation Centre (BFC) have been opened in Shillong (Meghalaya), Silchar (Assam), Aizawl(Mizoram),Gangtok(Sikkim),Agartala(Tripura),Kohima(Nagaland),Itanagar(ArunachalPradesh) and Imphal (Manipur).

4

Impact of SIDBI’s Assistance


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Impact of SIDBI’s Assistance

As an apex institution, SIDBI is playing a very proactive role in reaching out to MSMEs by extending financial and developmental support services to MSMEs. Its economic, social and environmentalimpact include :

Economic Impact

• Cumulative disbursement of SIDBI under both its indirect and direct finance including nichefinancinglikeriskcapital,sustainablefinance,energyefficiencyandcleanerproduction,technologyinnovation,receivablefinancingamountedto`3.37lakhcrorebenefittingabout340lakhpersonsasonend-March2014.

• Tobringbalancedregionaldevelopment,SIDBIhastakenstepstoincreasecreditflowtorelativelylessdevelopedindustrialstates.Overtheyears,thereisincreaseindirectcreditflowstomanyoftheunderservedstates.DuringFY2013-14,disbursementunderdirectfinancewas`12,613 crore. TheimportantdevelopmentunderdirectfinanceschemeswashigherflowofcredittoindustriallylessdevelopedstatesofChhattishgarh[177%],HimachalPradesh[327%],UttarPradesh[131%],Uttrakhand [265%], Rajasthan [8%] and Odisha [13%]. The growth in direct assistance to theindustrially less developed states is continuing over the years. Therewasmultiple increase inassistanceformajorityofthesestatesovertheperiodFY2005-14.TheseincludeOdisha[31timesincrease] followed byChhattishgarh [12.8], Rajasthan [5.7], Uttrakhand [5.3],Madhya Pradesh[4.9],Jharkhand[4.4],UttarPradesh[4.0],WestBengal[11.90],etcovertheperiodofFY2005-14.

• Similarly,inthecaseofindirectfinance,therehasbeenincreaseincreditflowtolessdevelopedstatesanddistricts.Thishascontributedtowardsmitigatingimbalancesinregionaldevelopment.

• Furthermore,SIDBI’smicrofinancesupportismainlyintheruralareaswithincreasingthrustonunservedandunderservedstates.ThePortfolioRiskFund,IndiaMicrofinanceEquityFund,PoorestStatesInclusiveGrowthProgramme,etc.,aimatincreasingcreditflowtotheseunderservedareas/states.ThetechnicalassistanceandpromotionalmeasuresbySIDBIimproveaccesstomicrofinanceproducts/assistancetohithertounderservedareasandeconomicallylessdevelopedareas/states.

• TheBankaccordsspecialandfocusedattentiontothedevelopmentofNorthEasternRegion(NER)intermsofmicrofinance,ruralindustrialisation,developmentofhandicraft,clusterdevelopment,entrepreneurship development, marketing support, etc.

• ThroughitsMicroEnterprisePromotionProgramme[MEPP],theBankhascumulativelypromotedabout41,000enterprisesasonend-March2014.IntheNER,23districtshavesofarbeencovered.TheseMEPPsinNERhavecumulativelyresultedinpromotionofabout2,425ruralenterprises.

• SIDBI assistance under its direct finance schemes basically aims at filling the credit gaps andsupplementing/complementinglendingbybanks.

• As on March 31, 2014, the total number of EDPs supported by the Bank, since inception, for various targetsgroupswas3,028,benefitingmorethan75,000participants.

• Cumulatively, about 38,000 participants have either set up their own unit or have been gainfully employed in the sector. Since inception, the Bank has supported more than 339 EDPs in NER benefitingover15,000participants.


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• As on March 31, 2014, the total number of STUPs and SIMAPs supported by the Bank sinceinceptionwere1,532and300respectively,benefitingabout41,000participants.TheprogrammeshavebenefitedalargenumberofyoungbrightpotentialentrepreneursandmostoftheparticipantshavejoinedtheMSMEsector.

• SIDBI has supported more than 85 Cluster Development Programme (CDPs) in various clusters all overIndia.Theseclusterdevelopmentinitiativeshavebenefittedaround6,400artisans.

Environmental Impact Recognizing the need for environmentally friendly development of MSME sector, SIDBI’s business strategy is topromoteenergyefficiency [EE]andcleanerproduction (CP) in theMSMEsector.Theimpact of SIDBI’s sustainable initiatives is mentioned below: • As on March 31, 2014, an aggregate assistance of approximately `4,800 crore has been disbursed to

more than 6,600 MSMEs for promoting EE & CP, which have resulted in saving of 920 Million Kilo WattHour(MkWh)ofelectricityandareductionof850kilotons(kT)ofCO2 annually.

• Certaininnovativefinancingproducts likeLoansforCNGTaxis/CNGAutoRickshaws,MicroLoansforSolarLanterns,ChannelfinancingthroughNBFCs,StructuredarrangementwithOriginalEquipmentSuppliers(OEMs),FinancingGreenBuildingsetc.havebeenadopted.Theinitiativehas helped in promoting clean technology and controlling pollution.

• SIDBIhascontractedLoCsaggregatingtoanamountofEUR53.74millionfromKfWforpromotinginvestmentincleanerproductionoptionsintheMSMEsector.Themainobjectiveofthelineistoachieve a reduction or avoidance of emission and pollution through cleaner production investments. Investment such as Common Effluent Treatment Plants (CETPs),Waste Treatment, Storage &Disposal Facilities,Waste recycling, etc., benefitting large number ofMSMEs in the industrialclusters are also eligible under the assistance. Individual MSMEs going in for investments that will result in the pollution control, waste reduction, improvement in raw material productivity etc., are eligible to be covered under the line. So far, 323 MSMEs have been assisted with an aggregate term loan of more than `402 crore.

• SIDBIalongwithBureauofEnergyEfficiency(BEE)areexecutingaGlobalEnvironmentalFacility(GEF) fundedWorld-Bankproject,viz.“FinancingEnergyEfficiencyatMSMEs” infiveMSMEclustersviz.,Kolhapur-foundry,Tirunelveli-limekilns,Ankleshwar-chemicals,Pune-forgingandFaridabad-mixedcluster.Theprojectisexpectedtomake500MSMEsenergyefficient.

Social Impact

Microfinance, ingeneralhasproven tobeoneof themost efficient andeffective tools of economicdevelopment of the poorer sections of the society. Cumulatively, the assistance through SIDBI has benefitedaround326lakh(approx.)disadvantagedpeople,mostofthembeingwomen.SIDBI’smicrofinance is being increasingly oriented towards achievingMillennium Development Goals (MDGs)(Annexure).AsperanimpactstudyconductedbySIDBIintheyear2008,microfinancehashelpedthepoorinaccessingfinancialservices,improvingthequalityoftheirlifethroughcreationofalternativeadditional livelihood opportunities, reducing their dependence on the exploitative informal sources of credit and improvement in health and education parameters also. Some of the highlights of the Impact Study are listed below:

• SIDBI’smicrofinancehaseffectivelyreachedouttotheunderprivilegedsectionsofsocietywithSC/STsandBackwardClassesaccountingforapproximately73%ofthesample.


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• Theprogrammehaspredominantlyreachedouttotheruralareaswithtwo-thirdofthesamplehouseholds belonging to such areas.

• Women constituted around 80% of sample clients.

• Theoutreachoftheprogrammeisgenerallyfocusedonpoorerareaswith30%ofclientsbeingpoorand 37% being the vulnerable borderline poor.

SIDBI and the Millennium Development Goals (MDGs)Annexure

5

Management and Corporate Governance


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Management and Corporate Governance

SIDBI,being theprincipalfinancial institutionfor theMSMEsector,notonly imbibes thecorporatesocialresponsibilityandgoodcorporategovernancewithin,butalsoattemptstoinculcatethesameinthe MSME sector and the institutions it deals with. SIDBI has constantly been interacting with all its stakeholdersforattendingtothekeyprioritiesandpressingneeds/gapsintheMSMEeco-system.Thehighlights of SIDBI’s good corporate governance system are enumerated in the following paragraphs.

Board of Directors / Committees of the Board

TheSmallIndustriesDevelopmentBankofIndia(Amendment)Act,2000providesforafifteen-memberBoardofDirectors.Outofthese,eightDirectorsareappointed/nominatedbytheCentralGovernmentcomprising Chairman and Managing Director (CMD), two whole time Directors, two Government officialsandthreeexperts(includingonefromStateFinancialCorporations)havingspecialknowledgeor professional experience. Out of the remaining seven Directors, three are nominated by the three largest shareholding institutions, banks and insurance companies owned or controlled by the Central Government,fouraretobeelectedbythepublicshareholdersorcanbeco-optedbytheBoarduntilassumptionofchargebytheelectedDirectors.TheBoard,asonJuly31,2014,comprisednineDirectors,includingoneWholeTimeDirector.IntermsofGovernmentofIndiaNotificationdatedNovember8,2013,ShriSushilMuhnot,Chairman&Managing Director (CMD) was appointed as CMD of Bank of Maharashtra. Accordingly, Shri Muhnot demittedtheofficeasatthecloseofbusinessonNovember8,2013.Further,ShriT.R.Bajalia,DeputyManagingDirector(DMD),onattainingtheageofsuperannuation,demittedtheofficeasatthecloseofbusinessonDecember31,2013.In exercise of powers conferred by Section 6(1)(c) of the Small Industries Development Bank of India Act, 1989, theCentralGovernment,videnotificationdated June10, 2014,hasnominatedShriAlokTandon, Joint Secretary,DepartmentofFinancial Services,MinistryofFinance as aDirectoron theBoardofSIDBI,withimmediateeffectviceShriArvindKumar.TheBoardofSIDBIhasco-optedShriSatyanandaMishra,formerChiefInformationCommissioner&Secretary to Government of India and Shri R. Ramachandran, former CMD, Andhra Bank, as Directors undersection6(1)(f)ofSIDBIActforaperiodofthreeyearswitheffectfromOctober3,2013.S/ShriPrakashBakliwalandSatyanarayanaRao,nominatedasDirectorsu/s6(1)(e)oftheSIDBIActbytheCentralGovernment,retiredfromtheBoardofSIDBIwitheffectfromMay12,2014,oncompletionoftheirtenure.Further,S/ShriP.A.SethiandRaviNarain,co-optedasDirectorsu/s6(1)(f)oftheSIDBIAct,tenderedtheirresignationsfromtheBoardwitheffectfromJune26,2014,whichwasacceptedbythe Board.TheBoardplacedonrecorditshighsenseofappreciationofthevaluablecontributionsmadebytheDirectors who retired from the Board of SIDBI.Withtheobjectiveofgivingfocussedattentiontovariousimportantissues,theBoardhasconstitutedeleven Committees viz., Executive Committee (EC), Audit Committee (AC), Risk ManagementCommittee(RiMC),CommitteeforSupervisionofSFCs(CfS),SpecialCommitteetoMonitorLargeValueFrauds(SCMLVF),InformationTechnologyStrategyCommittee(ITSC),CustomerServiceCommittee(CSC),HRSteeringCommittee(HRSC)RecoveryReviewCommittee(RRC),PremisesCommitteeandRemunerationCommittee.


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Sanctionsrelatingtocreditproposalsaboveathresholdlimitandothersuchoperationalmattersareconsideredby theEC.TheAC, in addition tooverseeing the functioningof theAuditVertical andreviewingitsmajorobservations,alsoprovidesguidanceinmattersrelatingtofinalisationofaccountsoftheBankandobservationsmadeinRBIInspectionreport.TheRiMClaysdownpolicyandstrategyforIntegratedRiskManagementoftheBank.TheCfSguidestheBankinrespectofallthepolicies/matterspertainingtoStateFinancialCorporations.

Withaviewtoprovidefocusedattentiononmonitoringoffraudsinvolvingamountsofrupeesonecroreandabove,SCMLVFhasbeenconstitutedintermsoftheguidelinesofReserveBankofIndia.TheITSCgivesdirectiontotheBank’sITfunction,especiallywithregardtoITvision,policyandstrategysoastoalignwithbusinessobjectives.Inaddition,theCommitteealsoguidestheBankinframingitslongtermITplanandprovidesoversightofITimplementationandmanagement.

ToenabletheBanktoformulatepoliciesandassessthecompliancethereofinternallywithaviewtostrengthening the corporate governance structure and also to bring about ongoing improvements in the quality of customer service provided by the Bank, the Board has constituted CSC. HRSC has been constitutedtoguideandgiverecommendationstotheBoardinHRmatters.Further,toreviewallNPAcases having principal outstanding of `3 crore and above, RRC has been constituted.

Themain functions of PremisesCommittee, amongothers, include approval of larger constructionprojects,acquisitionofproperties,undertakingmajorrenovation/repairworksoftheBank’sproperties,and annual Expenditure Budget (Capital and Revenue) pertaining to Bank’s Premises Vertical.

MinutesofthemeetingsoftheCommittees,containingdecisionsmade,aresubmittedtotheBoard.

TheBoardheldeightmeetingsduringtheyearwhiletheCommitteesoftheBoardviz.,theExecutiveCommittee,Audit Committee, Risk Management Committee, Committee for Supervision of SFCs,Special Committee to Monitor Large Value Frauds, Information Technology Strategy Committee,CustomerServiceCommittee,HRSteeringCommitteeandRecoveryReviewCommitteeheldten,six,three, two, three, four, two, three and three meetings respectively. Besides, SIDBI held its 16th Annual GeneralMeetingonJune27,2014atLucknow.

TheGovernmentofIndia(GoI)introducedperformanceincentiveschemeforthewholetimeDirectorsoftheBankandforthatpurpose,asperthedirectivesofGoI,a“RemunerationCommittee”ofBoardofDirectorshasbeenconstituted.TheCommitteemetonceduringtheyear.

Shareholding Pattern

The shares of SIDBI are held by thirty threeinstitutions / public sector banks / insurancecompanies owned or controlled by the Central Government,with IDBI Bank Ltd., State Bank ofIndia andLife InsuranceCorporation of India asits three largest shareholders. The shareholdingpatternofSIDBIremainedunchangedduring theyear.

Asset Liability Management Committee

IntermsoftheAssetLiabilityManagementPolicyof the Bank, the Asset Liability Management Finnoviti Award


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Committee(ALCO)isheadedbytheChairman&ManagingDirectorandcomprisesDeputyManagingDirectors, Executive Director and other senior executives of the Bank heading Risk Management, Credit, Resources&TreasuryandInformationTechnologyVerticalsasitsmembers.ALCO,interalia,reviewsandmonitorstheliquidityriskandinterestrateriskintheBank.DuringFY2013-14,theCommitteemeton10occasionsanddeliberatedonvariousissuessuchasrevisioninPrimeLendingRate(PLR)ofthe banks, review of Interest Rate under various schemes of assistance, status of resource mobilization, revision in the interest rate structures of Fixed Deposits Scheme, borrowing through CPs, bonds and term loans from banks, movement in Net Interest Income (NII) and Net Interest Margin (NIM) of the Bank and hedging of drawals under foreign lines of credit, etc.

Investment Committee

TheInvestmentCommitteeoftheBankformulatesstrategiesaswellasrecommendsvariousinvestmentoptions with regard to the Bank’s investment portfolio within the scope of the Investment Policy of the BankandrelevantRBIguidelinesissuedfromtimetotime.TheInvestmentCommitteemet7timesduringFY2013-14 to, interalia,deliberateuponvarious investmentanddivestmentproposals,saleof government securities fromAFS, shifting of government securities fromHFT toAFS, review ofmutual fund exposure limits, review of equity investments acquired through primary market, and other investment related issues.

Enterprise Risk Management Committee

TheEnterpriseRiskManagementCommittee (ERMC) is responsible for theoverall implementationand supervision of the risk management framework in the Bank. ERMC is responsible for providing recommendations to formulate the Credit and Operational Risk Management policies and strategies for the Bank and manage the risks on the asset book.

Risk and Information Security Committee (RISC)

RiskandInformationSecurityCommittee[RISC]isacrossfunctionalcommitteeofexecutiveswhichlooksafterinformationsecurity[IS]andmitigatevariousISandITrelatedrisks.RISCensuresalignmentofthesecurityprogrammewithorganizationalobjectives.Itisalsoinstrumentalinachievingorganisationalchange toward a culture that promotes good security practices and compliance with policies.

Internal Audit

Internal Audit of the Bank plays a pivotal role in strengthening Corporate Governance and complying withManagementobjectives to strengthen internal controland improveRiskManagement.DuringtheFY2013-14,433auditscomprising131OperationalAudits,2Special/SnapAudits,12TransactionAuditsofRMV,1TransactionAuditofBKC,12ConcurrentAuditsofMMO&DRO,189CreditAuditsand 275 Concurrent Audits were completed.

AuditVerticalco-ordinatescomplianceofobservationsmadebyStatutoryAuditorsandRBIinspectionteam in close coordination with Corporate Accounts Vertical and RBI Inspection Cell. During an audit activity,interalia,compliancetoKYCguidelines,verificationofenduseoffunds,creationofassets,adherence to policy guidelines, systems & procedures etc. are given due focus.

Human Resources Development – An Overview

AsonMarch 31, 2014, theBankhadon its rolls 1043 active full time staff comprising 880 officers,99Class III staffand64Subordinate staff.Of the total staff, 185belong toScheduledCastes (SCs),


33

76toScheduledTribes(STs)and159toOtherBackwardClasses(OBCs).Thestaffstrengthincluded9employees inex-servicemenand14employees inPersonswithDisabilities (PwD)categories.Thestrength of women employees was 224.

TheParliamenthasenactedtheSexualHarassmentofWomenatWorkplace(Prevention,ProhibitionandRedressal)Act,2013whichhascomeintoforcewitheffectfromDecember09,2013.IntermsoftheprovisionsofthesaidAct,theBankhasconstitutedInternalComplaintsCommittees(ICC)forredressalofcomplaintsofsexualharassmentandformattersconnectedtherewithorincidentaltheretoatfivecentres,viz.Lucknow,Mumbai,Chennai,KolkattaandNewDelhi.NocomplaintofsexualharassmentwasreceivedbytheCommitteesduringtheyear.

Training & Career Development

TheBankrecognizesthatemployeelearninganddevelopmentisasharedresponsibilityofboththeinstitutionandtheemployee.Inviewofthis,theBankhasbeenprovidingopportunitiestoitsstafftoencourage growth and career development, improve skills and knowledge of its employees.

As in the past, the Bank continued to impart training by deputing its employees to (i) in-housetrainingprogrammes,(ii)inlandtrainingprogrammes/workshopsconducted/organizedbyreputednationalinstitutionswithinthecountryand(iii)internationalprogrammes.Thetrainingfunctionhasbeenstreamlinedtogiveanorganizationalfocustothesameandtoensurecomprehensiveall-rounddevelopmentofthestaff.

During the year, Bank hasmade 1,578 nominations for various inland, in-house and internationaltraining programmes organized by renowned training / academic institutions, out of which 257nomineeswerewomenand672nomineesbelongedtoreservedcategories.26officerswerenominatedtoattendinternationaltrainingprogrammesinordertofamiliarizethemwiththecurrentinternationalpractices in different areas viz. Banking and Finance, Banking& Financial Technology Innovation,Forex, Corporate Excellence, Energy Conservation, Intelligence and Security Management, etc.

Staff Welfare Activities

DuringtheFY2013-14,theBankcontinueditssupportformultifariouswelfareactivitiesforthestaffmembersandtheirfamilies.UndertheguidanceofCentralWelfareCommittee,fundswereallocatedtowelfareassociationsofvariousofficesoftheBanktoorganizewelfareactivitiesforstaffandtheirfamilies.

Computerisation

ITVplayedamajorroleforleveragingtechnologyin business operations of the Bank during the year. Emphasis was given to streamline and stabilize several systems. Use of Direct Finance Softwarewas broadened to handle the entire Direct Credit Loan portfolio of the Bank in fully integratedenvironment.In-houseITsolutionsforvariousnewactivitiesviz.,ResourceManagementsoftwareforfixeddeposit&MSMElineofdeposits,MachinerySupplier database, Sick Unit Monitoring as per RBIguidelines,SimplifiedMonitoringofstandard

InspectionvisitbyCommitteeofParliamenton OfficialLanguage


34

accounts,Seller-wiseReceivableFinance,e-discountingofbills,monitoringofhighvalueandexceptionaltransactions,etc.weredevelopedandimplemented.ServerconsolidationwasdoneforBank’se-mailsolution and access extended through hand-held smart devices to ensure better availability andeffectivenessofmailingsolution.SuccessfulliveDisasterRecoveryTest(DRT)wascarriedouttwiceduringtheyeartotestpreparednessoftheBankforuntowardincidents.NeedbasedITinfrastructureupgradation was done to keep pace with the changing technology.

Activities of Vigilance Vertical Thevigilanceset-upinSIDBIisheadedbyafull-timeChiefVigilanceOfficer[CVO]whoisassistedby Regional Vigilance Officers of respective Regions. The Vigilance Vertical lays emphasis on thepreventive vigilance aspects and has taken several initiatives focused on review of extant systems and procedures.Theobjectivehasbeentostrengthenthecreditdeliveryandmonitoringmechanismandtomakethedecision-makingprocesstransparent,fairandequitable.PreventiveVigilanceCommitteesattheZone/BranchOfficesandtheVigilanceCommitteeatHeadOfficehavebeensetuptoreviewthepreventive vigilance measures. ThevigilanceworkisbeingreviewedbytheCMDandtheCVOeveryquarterandallimportant/longpending issues are dealt with in accordance with the Chief Vigilance Commission (CVC) guidelines. AnInternalAdvisoryCommitteeonVigilancehasbeensetupwhichscrutinizesall thecomplaintsor cases arising out of inspections, audit reports, staff accountability reports, etc. and furnishes itsrecommendations to the CVO regarding the existence or otherwise of the vigilance angle in the issues examined by it. Vigilance Vertical also acts as the nodal Vertical for reporting, monitoring and follow-upoffraudsperpetratedontheBankbyunscrupulousborrowers,outsiders,staffetc.Further,the Vertical also acts as the nodal Vertical for evaluating the role of third party entities [TPEs] inperpetrationoffraudsontheBankandgettingtheirnamesincludedinthecautionlistcirculatedbytheIndianBanks’Association[IBA],fordeficiencyobservedinprofessionalserviceprovidedtotheBankby them.Vigilance Vertical also maintains a vigil on the tendering process followed by the Bank in procurement ofgoods,worksandcontractsintermsoftheextantCVCguidelines.Towardsthisend,theVerticalcarriesoutChiefTechnicalExaminersOffice[CTEO]typeinspectionsperiodically,onsamplebasis,toensure that the procurement of goods and services is being carried out as per the norms. TheVigilanceVerticalsubmitsareportonVigilanceActivities,statusofcasesoffraudsandreportsonfreshcasesoffraudtotheAuditCommittee/BoardofDirectors/SpecialCommitteeforMonitoringofLargeValueFraudsatperiodicintervals.ThevigilancefunctionintheBankhasbeenlayingstressonthepro-activeandpreventiveaspectofvigilanceatalllevelsofoperationstoavoid/minimizetheincidents of frauds, corruption and malpractices. Steps have also been taken to strengthen the credit monitoringprocess and spreading knowledge/ awareness about various frauds takingplace in thebanking sector as a whole.Duringtheyear2013-14,VigilanceVerticalofSIDBIreceivedthe“VigilanceExcellenceAward”intheBankingSectorcategoryinstitutedbyInstituteofPublicEnterprises,Hyderabad.TheawardcameasarecognitionofthegoodworkdonebySIDBIinthefieldofVigilanceAdministrationandSIDBIemergedthewinneroutofafieldcomprisingtopPublicSectorBanksofthecountry.

Implementation of the Official Language Policy in the BankAllofficesoftheBankissuedthedocumentsenumeratedundersection3(3)inbilingualandensuredimplementationofRule5oftheOfficialLanguageRules1976,byrespondinginHinditotheletters


35

receivedorsignedinHindi.TheoriginatingcorrespondenceoftheBank’sofficeslocatedintheregions“A”, “B” and “C” stood at 96%, 90% and 77% as against the target of 100%, 90% and 55% stipulated by theGovernment.Likewise,thelevelofHindinotingremainedat85%,67%and52%againstthetargetof75%,50%and30%fortheaboveregions,respectively.MajoritemsofOfficialLanguageimplementationattheHOverticalsandalltheRegionalOfficeswerereviewedinthemeetingsoftheOfficialLanguageImplementationCommitteeattheHeadOffice,andconstantguidancethroughletters,e-messagesetc.wasprovidedtothem.Asmanyas39officesoftheBankhavebeennotifiedintheofficialgazetteofIndiaunderRule10(4)oftheOfficialLanguageRules1976.Thestaff-members(exceptthoseinclass-IV)possessingaproficiencyofHindiintheseofficeswereissuedindividualordersduringtheyeartocarryouttheirentireofficialworkinHindi.ArosterofthestaffnotknowingHindihasbeenpreparedand arrangements have been made to impart regular Hindi training to them either through the Hindi TeachingSchemeorCentralHindiTrainingInstituteorthroughcorrespondence.AllstaffmembershavingworkingknowledgeofHindiwerenominatedtoHindiwork-shopssoasto train them in carryingout their routineofficialwork inHindi.Asamajorportionof theBank’stransactions takesplace throughcomputers,sessionsonUnicodefeaturedessentially ineachwork-shop,whichlaidmoreemphasisonpractice.TheRegionalofficesconductedworkshopsforthestaffattachedtothebranchesundertheirjurisdiction.The quarterlyHindimagazine ‘Sankalp’ continued to be published regularlywith the objective ofmotivatingthestaffmembersoftheBanktoreadandwriteinHindi.Atotalof66issuesofthemagazinehave been brought out so far. This year also all offices of the Bank celebratedHindi Fortnight tocommemorate the Hindi Divas, which was marked with several engrossing activities and competitions. InordertocreateacompetitiveenvironmentforworkinginHindi,twocompetitions,viz.,inter-officeOfficialLanguageShieldcompetitionandSarvottamRajbhashaPratinidhiYojanahavebeendevisedby the Bank. TheBankhasbeenconductinganallIndiaSIDBIHindiEssayCompetitionforthepastfewyearswhichaimsatpromotingHindiintheBanksandtheFinancialInstitutionsonanallIndiabasis.TheThirdSub-CommitteeoftheParliamentmadeaninspectionvisitoftheHeadOffice,LucknowandNashikBranchOfficeandexpresseditssatisfactiononthestateofOfficialLanguageimplementationinboththeseoffices.TheEvidenceandDraftCommitteeoftheParliamentaryCommitteeonOfficiallanguagealsoheldadiscussionwiththeofficersofourHeadOfficeandAhmedabadRegionalOffice.TheJointDirector(Rajbhasha),DepartmentofFinancialServices,MinistryofFinance,GOIalsocarriedoutaninspectionof theHeadOffice.Besides, theHeadOfficeand theRegionalOfficesalsoconducted39OfficialLanguage-relatedinspections.TheBankbaggedaconsolationprizefromTheReserveBankofIndiaforexcellenceinthefieldofOfficialLanguageimplementationintheregion‘C’.TheBank’sChennaiRegionalOffice,PuneRegionalOffice,IndoreRegionalOffice,MumbaiRegionalOfficeandAhmedabadRegionalOfficereceivedprizesfromtheir respective Town Language Implementation Committees/ State Level Bankers Committees forexcellenceintheareaofOfficialLanguageimplementation.

Implementation of Right to Information Act, 2005

TheBank is implementing theRight to InformationAct,2005.Accordingly, theBankhasdisplayedin its website (www.sidbi.in) functions and duties of the organization, norms set by the Bank for dischargeof its functions,powersanddutiesof itsofficersandemployees,organizationchart, sub-ordinatelegislations,etc.asenvisagedunderSection4(1)(b)oftheAct.Theinformationdisplayedonitswebsiteisregularlyupdated.TheBankhasdesignatedaCentralPublicInformationOfficer(CPIO),


36

AlternateCentralPublicInformationOfficer,CentralAssistantPublicInformationOfficersandFirstAppellate Authority and Alternate First Appellate Authority, the details of which are available on the Bank’s website. In terms of the directives of Central Information Commission (CIC), the Bank has also designatedaTransparencyOfficerforthebetterimplementationofSection4oftheActwithaviewtopromotecongenialconditionsfortimelyresponsebyCPIOtoRTIqueries.Duringtheyear,theBankreceived307applicationsseeking informationandall theapplicationsweredisposedoffasper theprovisions of the Act within the stipulated time.

During the year, 40 appeals were made to the First Appellate Authority (FAA) of the Bank, which were disposedoffwithinthestipulatedtimeaspertheprovisionsoftheRTIAct.Againstthedecisionstakenby FAA, two 2ndappealswerepreferredbeforetheCentralInformationCommission.TherehasbeennodelayineitherfurnishinginformationbytheCPIOorindecidingappealsbytheFAA.NoofficeroftheBankhasbeenfined/penalizedforviolationoftheprovisionsoftheRTIAct.

Debenture TrusteesPresently,therearetwodebenturetrusteesforSIDBI’soutstandingbondissues,viz.AxisBankLimitedandAllBankFinanceLtd.Theircontactdetailsare:

ISIN: INE556F08ID4, INE556F08IO1, INE556F08IP8 For rest of the ISINs

AxisBankLimited,AxisHouse,2nd Floor, “E”, Bombay Dyeing Mill Compound, Pandurang Budhkar Marg, Worli, Mumbai.Tel:022-24255215/16Fax:022-24254200E-mail:[email protected] Person: Mr. Kanhu Harichandan

AllBankFinanceLtd.,AllahabadBank, II Floor, 37 Mumbai Samachar Marg, Fort, Mumbai-400023.Tel:02222626283Telefax:022-22677552Contact Person: Ms. Shreya Shah, Company Secretary.

SIDBI MSME International Training Institute

SIDBI,asanapexinstitutionforMSMEsector,hassetup“SIDBIMSMEInternationalTrainingInstitute(SITI)”atBhubaneshwar.SITIaimsatmeetingthetraininganddevelopmentneedsofitsstaff,bankofficers,financialinstitutions,MSMEsandotherstakeholdersdealingwithMSMEs.TheInstitutehassincecommencedthetraininginitiatives/operationssinceMay24,2013.

AcknowledgementsTheBoardacknowledgesthevaluablesupportreceivedfromtheGovernmentofIndiaandtheReserveBankofIndia.TheBoardisalsothankfultotheWorldBankGroup;JapanInternationalCooperationAgency(JICA);DepartmentforInternationalDevelopment(DFID),U.K;KreditanstaltfurWiederaufbau(KfW), Germany; The Deutsche Gesellschaft fur Internationale Zusammenarbeit (GIZ), Germany;International Fund for Agricultural Development (IFAD), Rome; French Development Agency (AfD), FranceandAsianDevelopmentBank (ADB) for their continuedresource supportand technical co-operation.TheBoardplacesonrecorditsappreciationfortheco-operationextendedtoSIDBIbybanks,state level institutions, industry associations and other stakeholders engaged in the promotion and development of the MSME sector.The Bank also thanks all its clients and investors for their co-operation and looks forward to thecontinuedsupportintheyearstocome.TheBoardrecognizesandplacesonrecorditsappreciationfortheservicesofSIDBIstaff,atalllevels,whoshowedstrongandcontinuedcommitment,integrityanddedicationtotaketheBankonahighergrowthtrajectoryduringtheyear.

6

Subsidiaries and Associate Organisations of SIDBI


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Subsidiaries and Associate Organisations of SIDBI

SUBSIDIARIES

I. SIDBI Venture Capital Limited

SIDBIVentureCapitalLimited(SVCL)isanInvestmentManagementCompanyformanagingVentureCapital Funds. Over the years, SVCL has evolved into one of the leading institutional investmentmanagement companies in India managing Venture Capital Funds (VCFs) and Alternative Investment Funds (AIF) having focus on the small and medium sector companies in India.

It was established in 1999 with the `100croreNationalVentureFundforSoftwareand IT Industry(NFSIT).In2004,the`500croreSMEGrowthFundwasset-upandthe`671 crore India Opportunities Fundwasset-upintheyear2012.Duringtheyear,thefourthfundviz.,theapprox. 450 crore Samridhi Fund with a focus on fostering inclusive growth in the 8 poorer states of India viz. Bihar, Madhya Pradesh, Odisha, Uttar Pradesh, Rajasthan, Jharkhand, Chhattisgarh andWest Bengal commencedoperations.

Sinceinception,SVCLhascontinuedtobeasourceofgrowthcapitaltohigh-quality,growth-oriented,primarilymicro,smallandmediumsizedcompanies(MSMEs)acrossdiversifiedsectors.Ithassofarinvestedinmorethan70earlyandgrowthstagecompaniesfromdiversifiedsectorssuchasIT/ITES,services, retail, pharma, auto components, biofuels, textile & garments, logistics etc. It has also fully orpartiallydivesteditsinvestmentin43of56companiesofitsfirst2VCFsviz.NFSITandSGF.Ithasrecovered `593 crore by way of disinvestment of corresponding investment of `305 crore. It has also distributed a sum of `500 crore to its investors (including tax paid on their behalf) in these 2 VCFs.

National Venture Fund for Software & Information Technology Industry (NFSIT)

NFSITisacloseendedventurefundestablishedinAugust1999.TheendofFundlifeisinAugust2016.Thefundhasacommittedcorpusof`100 crore, the contributors being Ministry of Communications andInformationTechnology(`30 crore), IDBI (`20 crore) and SIDBI (`50crore).Themainobjectiveofestablishing the fund was to provide venture capital (VC) support by way of equity and equity linked instrumentstounlistedSMEenterprisesintheareasofsoftwareandinformationtechnology.

Thefundhadinvested`84.40 crore in 31 companies with average investment per unit being less than `3crore.TheunitsweregeographicallyspreadalloverIndiacoveringawiderangeofITindustriesnamelyproducts,services,internetrelatedbusinesses,ITtraining,ITenabledservices,etc.Thefundhasdivestedfrommajorityofitsportfoliocompaniesandhasreturned`219 crore (including tax paid on theirbehalf)bywayofredemptionofunitsaswellasprofitstothecontributorsandyieldedaportfolioIRRof16.79%uptoMarch2013.The investorsobtainedapost-taxrateof returnof8.23%p.a.uptoMarch2013.NFSITinvestmentshaveledtoestablishmentofhi-techenterprisesgivingemploymenttotechnology work force in the country, besides earning precious foreign currency earnings from exports and establishing environment friendly processes.


39

Thespin-offimpactofNFSITinvestmentcanbeassessedfromthefactthattheseinvesteecompanieshave enabled about `600 crore of foreign investment into the country through raising of additional capital from foreign venture capital funds and acquisitions by overseas companies.

SME Growth Fund (SGF)

SME Growth Fund (SGF) is a 8 year close ended Venture Capital Fund, set up in 2004, with a corpus of `500 crore, contributed by SIDBI and 8 scheduled commercial banks. It is a general fund with focus on the growth stage SMEs in the areas of auto components, textiles, life sciences, clean technologies, retailing,lightengineering,informationtechnology,servicesetc.ThefundlifeofSGFhasbeenextendedupto September 2014.

SGF has completed its investment phase. It has invested `456.09 crore in 25 companies in diverse sectors. It has also exited from investments and continue to exit on availability of suitable opportunities. AsatMarch31,2014,SGFhasexited fully/partly from14companies. Ithas received`380 crore by disinvesting original investments aggregating to `237 crore at an IRR of 16.86% on its exited portfolio. Tilldate,theFundhasdistributed`282.09 crore. Further, an amount of `63 crore has been retained by the fund, towards disputed tax liabilities and probable penalties. SGF investee companies have enabled over `1,000 crore of foreign investment into the country through raising additional capital from foreign venture capital funds and acquisitions by overseas companies. A sum of `287 crore (about 63%) was investedinMSMEs/SSIs.

India Opportunities Fund (IOF)

IOFisacloseendedventurefundwithalifeof10yearsestablishedinAugust2011.ThefundhasdoneafinalclosureinApril2012withacorpusof`671crore.ThecontributorsofIOFareSIDBI,LIC,CanaraBank,TechnologyDevelopmentBoard(TDB)andotherleadingIndiancommercialbanksandinsurancecompanies. IOF is a sector agnostic fund focused mainly on meeting growth capital needs of India’s growingandunlistedMSMEsoperatinginemergingsectorssuchaseducationalservices,IT/ITES,lightengineering,cleantech,agro-basedindustries,logistics,infrastructureetc.IOFwillalsoinvestinearly,growth as well as late stage companies selectively.

As of March 31, 2014, IOF has made commitments worth `182 crore in 15 companies out of which investments to the tune of `58 crore in 9 companies has been completed. All investments are in MSMEs.

Samridhi Fund (SF)

Department for International Development (DFID) is a Department of the United Kingdom (UK) Government entity that manages Britain’s aid to poor countries. DFID has decided to provide CGTMSEmeetatVaranasi


40

support upto £ 65 million in India over 7 years under its Poorest States Inclusive Growth (PSIG) ProgrammethroughSIDBI(£30million)andSVCL(£35million).

Theprimaryinvestmentfocusof thefundisearlyandgrowthstage investments incompanies thatare economically viable, provide access to markets for the poor, socially relevant and impact the poor asproducers /consumersand/oremployeesandhaveeconomic impact,withtargetbeneficiaries inthe8poorerstatesofIndiaviz.Bihar,MadhyaPradesh,Odisha,UttarPradesh,Rajasthan,Jharkhand,ChhattisgarhandWestBengal.

DFID,UnitedKingdomisamajorcontributorwitha35millionGBP(approx.`350 crore) contribution. SIDBI has contributed `50crore.LICofIndiaandUnitedIndiaInsuranceCompany(UIIC)haveagreedto contribute 40 crore and 10crorerespectively.During2013-14,theFundhascommittedinvestmentsof `111 crore to 7 companies and invested `39 crore in 5 companies. All investments till date are in MSMEs.

Balance-Sheet of SVCL

TheabridgedBalanceSheetasatMarch31,2014andStatementofProfitandLossofSVCLfor theperiod April 01, 2013 to March 31, 2014 are given in the following tables:

Table: 6.1 Abridged Balance Sheet of SVCL (` lakh)

As on March 31, 2013 (Audited)

Abridged Balance Sheet of SVCLAs on March 31, 2014

(Audited)

EQUITY & LIABILITIES

1,500.00 Share capital 1,500.00

881.31 Reserves and Surplus 1,102.37

34.88 Non-CurrentLiabilities 96.14

786.86 CurrentLiabilities 787.35

3,203.05 Total 3,485.86

ASSETS

2,103.00 Non-CurrentAssets 2,227.49

1,100.05 Current Assets 1,258.37

3,203.05 Total 3,485.86


41

Table: 6.2 Abridged Statement of Profit & Loss of SVCL (` lakh)

For the year ended March 31, 2013 (Audited)

Abridged Statement of Profit & Loss of SVCL

For the year ended March 31, 2014

REVENUE

1,443.56 Revenue from operations 1,539.49

119.05 Other Income 74.62

1,562.61 Total 1,614.11

EXPENSES

602.40 Operating expenses 613.78

7.46 Depreciation 6.34

609.86 Total 620.12

952.75 Profit Before Exceptional Items and Tax 993.99

2.40 Add: Exceptional Items 0.44

0.90 Less:PriorPeriodAdjustments 0.15

954.25 Profit Before Extraordinary Item and Taxation 994.28

2.00 Less:Extraordinaryitem(provisionfordiminution in the value of investments)

0.00

952.25 Profit Before Taxation 994.28

320.00 Current tax 327.00

(5.20) Deferred tax 7.50

0.00 ExcessprovisionforIncomeTax 0.00

637.45 Profit / (loss) for the period 659.78

II. SIDBI Trustee Company Limited

SIDBITrusteeCompanyLimited (STCL)was setupbySIDBIon July19, 1999, to act asTrusteeofNationalVentureFundforSoftware&TechnologyIndustry(NFSIT),SMEGrowthFund(SGF),IndiaOpportunitiesFund(IOF)andSamridhiFund(SF).ThecompanyhasappointedSIDBIVentureCapitalLimited(SVCL)toactastheInvestmentManagertoNFSIT,SGF,IOF&SF.


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Balance-Sheet of STCL

TheabridgedBalanceSheetasatMarch31,2014andStatementofProfitandLossfortheperiodApril01,2013toMarch31,2014forSTCLareasgivenbelow:

Table 6.3: Abridged Balance Sheet of STCL (` lakh)

As on March 31, 2013 (Audited)

Abridged Balance Sheet of STCLAs on March 31, 2014

(Audited)

EQUITY & LIABILITIES

5.00 Share capital 5.00

393.90 Reserves and Surplus 455.58

0.00 Non-CurrentLiabilities 0.00

0.74 CurrentLiabilities 0.73

399.64 Total 461.31

ASSETS

3.31 Non-CurrentAssets 55.85

396.33 Current Assets 405.46

399.64 Total 461.31

Table 6.4: Abridged Statement of Profit & Loss of STCL (` lakh)


(Audited)

Abridged Statement of Profit & Loss of STCL


(Audited)

REVENUE

56.82 Revenue from operations 58.93

36.21 Other Income 36.20

93.03 Total 95.13

EXPENSES

5.97 Operating expenses 6.45

5.97 Total 6.45

87.06 Profit before extraordinary items and tax 88.68

0.00 Add: Extraordinary items 0.50

0.02 Less:PriorPeriodAdjustment 0.00

87.04 ProfitBeforeTaxation 89.18

27.00 Current tax 27.50


43


(Audited)

Abridged Statement of Profit & Loss of STCL


(Audited)

0.00 Deferred tax 0.00

0.00 ExcessprovisionforIncomeTax 0.00

60.04 Profit/(loss)fortheperiod 61.68

ASSOCIATES

III. Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)

CGTMSEoperatestheCreditGuaranteeScheme(CGS)forMicroandSmallEnterprises(MSEs)whichguarantees credit facilities upto `100lakhextendedbyMemberLendingInstitutions(MLIs)tothoseloans,whicharenotbackedbycollateralsecurityand/orthirdpartyguarantees.MinistryofMicro,Small and Medium Enterprises (MSME), Government of India and SIDBI contributed `74.99 crore and `18.75crore,respectively,tothecorpusofCGTMSEduringFY2013-14,raisingthecorpussizeto`2,295.30 crore.

Operations of Credit Guarantee Scheme

TheoperationsunderCGScontinued togrow.Fromonly9activeMLIs inFY2000-01, thenumberofMLIsavailingtheguaranteecoverhasgoneupto117activeMLIsasonMarch31,2014.DuringFY2013-2014a totalof 3,48,475guaranteeshavebeenapproved for anamountof`18,188.12 crore, registering a growth of 21% in terms of number and 13% in terms of amount respectively over the previousfinancialyear.Cumulatively,asatMarch31,2014,a totalof14,19,807accountshavebeenaccorded guarantee approval for `70,026.29crore.Theslab-wisecoverageundertheCreditGuaranteeScheme is given below:

Table 6.5: Slab-wise guarantee approvals as on March 31, 2014 (cumulative)

Sr.No. Range No. of Proposals Loan Amount

(` Lakh)

1 Upto100,000/- 4,94,688 2,43,018.95

2 100,001to200,000/- 3,29,209 4,96,243.01

3 200,001to500,000/- 3,02,718 10,90,476.27

4 500,001to10,00,000/- 1,38,007 10,67,924.38

5 10,00001to25,00000/- 1,11,184 19,02,095.47

6 25,00,001to50,00,000/- 30,383 11,58,491.51

7 50,00,001to100,00,000/- 13,618 10,44,379.02

Total 14,19,807 70,02,628.61

N.B.: Actuals may vary due to intervening cancellations / modifications


44

An analysis of the cumulative coverage under CGS as at March 31, 2014, indicates that 2,62,611 proposals (18.50%) for 10,419.26 crore (14.88%) were in respect of Women Entrepreneurs; 73,671 proposals (5.19%) for `1,512.03 crore (2.16%) to Scheduled Caste; 28,949 proposals (2.04%) for `949.23 crore (1.35%) to ScheduledTribeand1,02,229proposals(7.20%)for`3,149.32 crore (4.50%) to the Minorities.

Overall Impact

CGTMSE’soperationshavehadapositiveimpactontheeconomyintermsofturnover,exportsandemployment of credit guaranteed MSEs as given below:

Table 6.6: Overall Impact CGTMSE

Parameters As on 31/03/2014

Cumulative Guarantees approved (No.) 14,19,807

LoanAmount(extendedbyMLIs)(` crore) 70,026

Expected turnover of guaranteed units (` crore) 8,74,356

Expected exports by guaranteed units (` crore) 6,110

Expected employment generation (No. in lakh) 49.94

NumberofMLIs 132

Risk sharing facility:

TheBankhadsignedaMemorandumofUnderstanding(MoU)withtheCGTMSEon24th January 2013, tooperateaSchemeknownasRiskSharingFacility–II(RSF-II),onapilotbasisforalimitedperiod.TheschemewasaprojectunderSMEFinancingandDevelopmentProjectinIndiabeingimplementedby SIDBI with funding from International Bank for Reconstruction and Development (IBRD) alongwith otherinternationalagenciesviz.DFID-UK,GIZandKfw,GermanywiththeDFS,MinistryofFinanceasthenodalagencyfortheproject.BysharingtheMicroandSmallEnterprise(MSE)creditriskwithbanks/FIs,theRSF–IIisdesignedtohelpbanks/FIsbuildupatrackrecordofgoodMSElending.Agreementswereexecutedwith2MemberLendingInstitutions (MLIs)ofCGTMSEviz.SIDBIandIndian Overseas Bank. Aggregate guarantees of `19.77 crore were approved in respect of 15 accounts (7 in respect of SIDBI and 8 in respect of Indian Overseas Bank) under the Scheme.

Awareness Creation

CGTMSE has adoptedmulti-channel approach for creating awareness of the CGS amongst banks,MSMEindustryassociations,MSMEsector,etc.throughprintmedia,conductingworkshops/seminars,attending theprogrammesorganizedatvariousdistrict / state /national fora, etc.During theyear,CGTMSEconducted/participatedinvariousseminars/workshopsorganizedbyMLIsandIndustryAssociations, exhibitions andmeetings organized byRBI /Govt. in connectionwithMSME sector,acrossthecountrytocreateawarenessaboutCGS.CGTMSEofficialsalsoheldbusinessdevelopmentmeetingswithitsMemberLendingInstitutions.Informationdisseminationcampaignswerevigorouslycarried out amongst various stakeholders.


45

26th ACSIC Conference in Busan, Korea

IV. SMERA Ratings Limited

SMERARatingsLtd. (formerlySMERatingAgencyof IndiaLimited) commenced itsoperations in2005 as an exclusive credit rating agency for Micro, Small and Medium enterprises (MSME) sector in India. SMERA provides comprehensive, transparent and reliable ratings, thus providing comfort and confidencetolendersandinvestorsalikeindecisionmaking.SMERAhasbeendulyaccreditedbyRBIas one of the recognized rating agencies.

Business Operations

SMERA has completed 6,414 ratings during the financial year 2013-14. Cumulatively, since itsincorporation, SMERA has assigned ratings to 27,756 MSME units up to March 31, 2014 spread across variouscategories, industriesandstates.SMERAhasbeenprovidingspecialattention tomicroandsmall enterprises which accounted for 66 % and 32 %, respectively, of its total ratings.

V. India SME Technology Services Limited [ISTSL]

IndiaSMETechnologyServicesLtd.(ISTSL)rendersconsultingsolutionstowardstechnologytransfer,energy conservation and environment management etc.

DuringtheyearendedMarch31,2014,ISTSLattendedmanytechnologybasedenquiriesfromMSMEsandofferedtechnologyfacilitationservicesforthetechnologyrelatedneedsofMSMEs.SuchinitiativesofISTSLareexpectedtostrengthenandacceleratetheprocessoftechnologicalmodernizationleadingto sustainable development in the MSME sector.

VI. India SME Asset Reconstruction Company Limited

India SME Asset Reconstruction Company Limited (ISARC) was promoted by SIDBI with theprincipalobjectiveofacquiringnon-performingassets(NPAs)andtoresolvethemthroughinnovativemechanisms with a special focus on the NPAs of micro, small and medium enterprises sector (MSMEs). TheCompanywasincorporatedonApril11,2008andcommenceditsbusinessoperationsonApril15,2009.

Duringtheyear,ISARCundertookduediligenceinrespectof150accountsandsubmittedbidfor94accounts.ISARCalsoundertookduediligenceof3accountsfrom3banksandsubmittedbidsfor3accountsonbilateralbasis.Duringtheyear,theCompanyacquired42financialassetsfrom3Banks(sellers) for an aggregate purchase consideration of 260.02 crore out of which 18.61 crore was invested by ISARC and balance `241.41 crore came from the other security receipts (SRs) investors (sellers). During the year, ISARC has recovered `26.95 crore as against `17.85 crore and `20.63 crore during the FY2012-13andFY2011-12respectively,fromitsacquiredassets.SRsworth 14.30 crore were redeemed duringtheFY2013-14(previousyear`11.99 crore). ISARC has assets under management of `384.47 crore representing outstanding SRs and balance sheet assets.

7

Balance Sheet & Statement of Accounts


48

Balance Sheet & Statement of Accounts

TheauditedBalanceSheet, alongwithProfitandLossAccountandCashFlowStatementofSmallIndustriesDevelopmentBankofIndia,forthefinancialyear2013-14,aregiveninAppendix–I.TheconsolidatedBalanceSheet,alongwithProfitandLossAccountandCashFlowStatementofSIDBIwithitssubsidiariesviz.,SIDBIVentureCapitalLtd.,(SVCL)andSIDBITrusteeCompanyLtd.,(STCL)andassociatesviz.SMERatingAgencyofIndiaLtd.,(SMERA),IndianSMEAssetReconstructionCompanyLimited(ISARC)andIndiaSMETechnologyServicesLtd.,(ISTSL)andothersaregiveninAppendixII.

ThetotalincomeoftheBankduringtheyearwashigherat`5,808.32 crore as compared to `5,401.21 croreduringthepreviousyearduetogrowthintheoverallportfolio.Thetotalexpenditureduringthecorresponding period was higher at `3,646.47 crore as compared to `3,361.33 crore during the previous year.TheProfitbeforeTaxfortheyearwas`1,539.50 crore, compared to `1,196.28 crore in the previous year.ThenetprofitaftertaxandDeferredTaxAdjustmentfortheyearwas`1,118.27 crore as against `837.35croreinthepreviousyear.Outofthetotaldistributableprofitof`1,151.36crore(netprofitof`1,118.27crore[aftertaxadjustment]fortheyearendedMarch31,2014andbroughtforwardprofitof `33.09 crore), the Bank declared a dividend of 25% on paid up equity capital of `450 crore which worked out to `131.62 crore inclusive of dividend distribution tax, surcharge and cess payable thereon. During the year, a sum of `80 crore was transferred to Special Reserve created under Section 36(1) (viii)ofITAct,1961, 32.18 crore was transferred from Investment Fluctuation Reserve and appropriation of `1crorewasmadetoStaffWelfareFund(SWF).Surplusof`935 crore was transferred to the Reserve Fund and balance `35.92crorewasretainedinProfitandLossAccount.

Table 7.1 : Balance Sheet Size

Auditors

TheaccountsoftheBankforthefinancialyear2013-14wereauditedbyM/sHaribhakti&Co.,CharteredAccountants, Mumbai who were appointed in terms of Section 30(1) of the SIDBI Act, 1989 (as amended) at the Annual General Meeting held on June 13, 2013 for carrying out the statutory audit.ThereportsoftheAuditorsaregivenonPageNos.49and82.


49

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAAuditors’ Report

Independent Auditors’ Report

ToThe ShareholdersSmall Industries Development Bank of India

Report on the Financial StatementsWe have audited the accompanying Financial Statement of Small Industries Development Bank of India (the Bank) which comprises the Balance Sheet as at 31stMarch2014andtheProfit&LossAccountandCashFlowStatementfortheyearendedandasummaryofsignificantaccountingpoliciesandotherexplanatoryinformationonthatdate.Management Responsibility for the Financial StatementsManagementisresponsibleforthepreparationofthesefinancialstatementsthatgiveatrueandfairviewofthefinancialpositionandfinancialperformanceinaccordancewiththeAccountingStandardsreferredtoinsub-section(3C)ofsection211oftheCompaniesAct,1956.Thisresponsibilityincludesthedesign,implementationandmaintenanceofinternalcontrolrelevanttothepreparationandpresentationofthefinancialstatementsthatgiveatrueandfairviewandarefreefrommaterialmisstatement,whetherduetofraud or error.Auditor’s ResponsibilityOurresponsibilityistoexpressanopiniononthesefinancialstatementsbasedonouraudit.WeconductedourauditinaccordancewiththeStandardsonAuditingissuedbytheInstituteofCharteredAccountantsofIndia.ThoseStandardsrequirethatwecomplywithethicalrequirementsandplanandperformtheaudittoobtainreasonableassuranceaboutwhetherthefinancialstatementsare free from material misstatements.Anauditinvolvesperformingprocedurestoobtainauditevidenceabouttheamountsanddisclosuresinthefinancialstatements.Theproceduresselecteddependontheauditor’sjudgment,includingtheassessmentoftherisksofmaterialmisstatementofthefinancialstatements,whetherduetofraudorerror.Inmakingthoseriskassessments,theauditorconsidersinternalcontrolrelevanttotheBank’spreparationandfairpresentationofthefinancialstatementsinordertodesignauditproceduresthatareappropriateinthecircumstances,butnotforthepurposeofexpressinganopinionontheeffectivenessoftheCompany’sinternalcontrol.Anauditalso include evaluating the appropriateness of the accounting policies used and the reasonableness of the accounting estimates madebymanagementaswellasevaluatingtheoverallpresentationofthefinancialstatements.Webelievethattheauditevidencewehaveobtainedissufficientandappropriatetoprovideabasisforourauditopinion.OpinionIn our opinion and to the best of our information and according to the explanations given to us, the aforesaid Financial Statements give the information required by the Small Industries Development Bank of India General Regulations, 2000 in the manner so required to the extent required by the Bank and give a true and fair view in conformity with the accounting principles generally accepted in India. i. InthecaseoftheBalanceSheet,ofthestateofaffairsoftheBankasat31st March 2014, ii. InthecaseoftheProfit&LossAccount,oftheprofitfortheyearended31st March 2014, iii. Inthecaseofcashflowstatement,ofthecashflowsfortheyearendedonthatdate.Report on Other Legal and Regulatory Requirements1. We report that : i. We have obtained all the information and explanations, which to the best of our knowledge and belief were necessary for

the purpose of our audit. ii. In our opinion, proper books of account as required by law have been kept by the Bank so far as appears from our

examination of those books iii. TheBalanceSheet,ProfitandLossAccountandCashFlowStatement,dealtwithbythisReportareinagreementwith

Books of Accounts iv. In our opinion, theBalance Sheet andProfit andLossAccountdealtwith by this report complywith theAccounting

Standardsreferredtoinsub-section(3C)ofsection211oftheCompaniesAct,1956andaredrawnupinaccordancewiththe requirements of the Regulation 14(i) of the Small Industries Development Bank of India General Regulations, 2000.

For Haribhakti & CoChartered AccountantsFirm Registration No : 103523W

Rakesh RathiPartnerM.No : 45228

Place : MumbaiDate : May 23, 2014


50

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIABalance Sheet as at March 31, 2014

Appendix - IBalance Sheet as at March 31, 2014

(`)

CAPITAL AND LIABILITIES SCHEDULES March 31, 2014 March 31, 2013

Capital I 450,00,00,000 450,00,00,000

Reserves, Surplus and Funds II 8042,27,93,107 7053,29,72,648

Deposits III 17428,26,37,419 18104,87,19,905

Borrowings IV 35618,03,16,388 29849,15,66,912

OtherLiabilitiesandProvisions V 6271,78,62,502 6273,83,57,000

DeferredTaxLiability - 117,09,35,120

Total 67810,36,09,416 61848,25,51,585

ASSETS

Cash and Bank Balances VI 1927,72,27,801 1515,74,70,338

Investments VII 2947,11,49,485 2863,87,86,279

Loans&Advances VIII 61270,69,95,084 56059,75,73,832

Fixed Assets IX 194,63,94,459 198,28,99,872

Other Assets X 1470,18,42,587 1210,58,21,264

Total 67810,36,09,416 61848,25,51,585

ContingentLiabilities XI 6519,35,87,953 5286,06,02,658

SignificantAccountingPolicies XV

Notes to Accounts XVI

TheSchedulesreferredtoaboveformanintegralpartoftheBalanceSheet.

BYORDEROFTHEBOARDAs per our report of even date

ForHARIBHAKTI&CO. U.J.Lalwani N.Raman N.K.MainiCharteredAccountants CountryHead ExecutiveDirector DeputyManagingDirector-In-chargeFRN : 103523W (Corporate Accounts Vertical)

Rakesh RathiPartnerM.No : 045228 Anil Agrawal B. Manivannan Director DirectorMumbai, May 23, 2014


51

INCOME SCHEDULES March 31, 2014 March 31, 2013Interest and Discount XII 5618,98,41,648 5134,11,52,197 Other Income XIII 189,33,22,228 267,09,74,036 Total 5808,31,63,876 5401,21,26,233

EXPENDITUREInterest & Financial charges 3337,09,12,099 3039,25,23,188 Operating Expenses XIV 309,37,57,137 322,07,40,654 Provisions & Contingencies (Refer note no.16) 622,35,23,953 843,60,25,933 Total 4268,81,93,189 4204,92,89,775

Profit before Tax 1539,49,70,687 1196,28,36,458 ProvisionforIncomeTax(Refernoteno.24) 602,35,84,352 379,63,75,132 DeferredTaxAdjustment[(Asset)/Liability] (181,13,31,566) (20,70,65,580)ProfitafterTax 1118,27,17,901 837,35,26,906 Profitbroughtforward 33,09,21,258 27,18,81,456 Total Profit / (Loss) 1151,36,39,159 864,54,08,362

AppropriationsTransfertoGeneralReserve 935,00,00,000 540,00,00,000 TransfertoSpecialreserveu/s36(1)(viii)ofTheIncomeTaxAct,1961 80,00,00,000 80,00,00,000 OthersTransferfromInvestmentFluctuationReserve (3,21,801,399) 78,82,93,354 TransfertoStaffWelfareFund 1,00,00,000 1,00,00,000 Dividend on Shares 112,50,00,000 112,50,00,000 TaxonDividend 19,11,93,750 19,11,93,750 SurplusinProfit&Lossaccountcarriedforward 35,92,46,808 33,09,21,258 Total 1151,36,39,159 864,54,08,362 Basic/DilutedEarningPerShare 24.85 18.61 SignificantAccountingPolicies XVNotes to Accounts XVI

TheSchedulesreferredtoaboveformanintegralpartoftheProfit&LossAccount.BYORDEROFTHEBOARD

As per our report of even date


Rakesh RathiPartnerM.No : 045228 Anil Agrawal B. ManivannanMumbai, May 23, 2014 Director Director

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAProfit&LossAccountfortheyearendedMarch31,2014

Profit & Loss Account for the year ended March 31, 2014 (`)


52

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIASchedules to Balance Sheet as at March 31, 2014

(`)

CAPITAL AND LIABILITIES March 31, 2014 March 31, 2013SCHEDULE I:Capital (a) Authorized Capital -EquityShareCapital(75,00,00,000EquitySharesof`10/-each) 750,00,00,000 750,00,00,000 -Preference Share Capital (25,00,00,000 Redeemable Preference Shares of ` 10/- each) 250,00,00,000 250,00,00,000 (b) Issued, Subscribed and Paid-up Capital : -EquityShareCapital(45,00,00,000EquitySharesof`10/-each) 450,00,00,000 450,00,00,000 -PreferenceShareCapital - - Total 450,00,00,000 450,00,00,000

SCHEDULE II:Reserves, Surplus and Funds A) Reserves i) General Reserve -OpeningBalance 5503,31,73,555 4963,31,73,555 -Additionsduringtheyear 935,00,00,000 540,00,00,000 -Utilisationsduringtheyear - - - Closing Balance 6438,31,73,555 5503,31,73,555 ii) Specific Reserves a) Investment Reserve -OpeningBalance 55,19,63,645 55,19,63,645 -Additionsduringtheyear - -

-Utilisationsduringtheyear - - - Closing Balance 55,19,63,645 55,19,63,645 b) Special Reserve created and maintained u/s 36 (1) (viii) of The Income Tax Act, 1961 -OpeningBalance 1117,00,00,000 1037,00,00,000 -Additionsduringtheyear 80,00,00,000 80,00,00,000 -Utilisationsduringtheyear - - - Closing Balance 1197,00,00,000 1117,00,00,000 c) Other Reserves i) Investment Fluctuation Reserve -OpeningBalance 78,82,93,354 - -Additionsduringtheyear - 78,82,93,354 -Utilisationsduringtheyear 32,18,01,399 - - Closing Balance 46,64,91,955 78,82,93,354

B) Surplus in Profit and Loss account 35,92,46,808 33,09,21,258

C) Funds a) National Equity Fund -OpeningBalance 243,22,48,570 222,39,66,690 -Additions/Writebackduringtheyear 3,88,71,453 20,82,81,880 -Utilisationsduringtheyear - - - Closing Balance 247,11,20,023 243,22,48,570


53

b) Staff Welfare Fund March 31, 2014 March 31, 2013 -OpeningBalance 22,63,72,265 22,80,55,066 -Additionsduringtheyear 1,00,00,000 1,00,00,000 -Utilisationsduringtheyear 1,55,75,145 1,16,82,801 - Closing Balance 22,07,97,120 22,63,72,265 c) Others - - Total 8042,27,93,107 7053,29,72,648

SCHEDULE IIIDeposits A) Fixed Deposits 928,26,37,419 2604,86,19,905

B) From Banks a) UnderMSMERefinanceFund 15000,00,00,000 14000,01,00,000

b) Under MSME Risk Capital Fund 1000,00,00,000 1000,00,00,000

c) Others-FromForeign&PrivateSectorBanks - - d) Under MSME INDIA Opportunities Venture Fund 500,00,00,000 500,00,00,000 Subtotal (B) 16500,00,00,000 15500,01,00,000 Total 17428,26,37,419 18104,87,19,905

SCHEDULE IVBORROWINGSI) Borrowings in India 1. From Reserve Bank of India 5000,00,00,000 - 2. From Government of India (including Bonds subscribed by GOI of `2,172.80 crore)

3161,79,92,413 3137,79,96,461

3. Bonds & Debentures 13066,60,00,000 11871,60,00,000

4. From Other Sources -CommercialPaper 3650,00,00,000 625,00,00,000 -CertificateofDeposits - - -TermLoansfromBanks 905,17,89,999 5638,96,39,669 -TermMoneyBorrowings - - -Others 49,93,25,569 -Subtotal (I) 25833,51,07,981 21273,36,36,130 II) Borrowings outside India (a) KFW, Germany 1314,99,52,598 1041,42,91,583 (b) Japan International Cooperation Agency (JICA) 4277,84,46,222 4210,88,01,924 (c) IFAD, Rome 128,37,60,894 120,82,06,342 (d) World Bank 3503,91,84,661 2856,98,98,451 (e) Others 559,38,64,032 345,67,32,482 Subtotal (II) 9784,52,08,407 8575,79,30,782 Total (I & II) 35618,03,16,388 29849,15,66,912


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54

March 31, 2014 March 31, 2013

SCHEDULE V

Other Liabilities and Provisions:

Interest Accrued 362,34,55,627 518,27,52,253

Others (including provisions) 4179,32,70,087 4111,61,27,707

Provisions for Exchange Rate Fluctuation 1283,11,87,410 1247,01,13,635

Contingent provisions against standard assets 315,37,55,628 265,31,69,655

Proposed Dividend (including tax on dividend) 131,61,93,750 131,61,93,750

Total 6271,78,62,502 6273,83,57,000

ASSETS

SCHEDULE VI

Cash & Bank Balances

1. Cash in Hand & Balances with Reserve Bank of India 7,05,464 5,85,949

2. Balances with Other Banks - -

(a) In India

i) in current accounts 36,64,76,226 25,44,93,925

ii) in other deposit accounts 347,51,06,947 100,00,00,000

(b) Outside India

i) in current accounts 8,63,47,523 1,00,00,675

ii) in other deposit accounts 1534,85,91,641 1389,23,89,789

Total 1927,72,27,801 1515,74,70,338

SCHEDULE VII

Investments[net of provisions]

A) Treasury operations

1. Securities of Central and State Governments 378,83,78,095 276,73,22,178

2. Shares of Banks & Financial Institutions 23,95,12,137 24,03,41,237

3. Bonds & Debentures of Banks & Financial Institutions 556,38,92,000 623,38,92,000

4. Stocks, Shares, bonds & Debentures of Industrial Concerns 250,24,16,342 253,01,08,526

5. ShortTermBillsRediscountingScheme - -

6. Others 825,44,66,583 784,71,38,259

Subtotal (A) 2034,86,65,157 1961,88,02,200


(`)


55


(`)

March 31, 2014 March 31, 2013

B) Business Operations

1. Shares of Banks & Financial Institutions 62,56,61,440 62,56,61,440

2. Bonds & Debentures of Banks & Financial Institutions 26,77,312 26,77,312

3. Stocks, Shares, bonds & Debentures of Industrial Concerns 607,02,49,879 631,94,46,870

4. Investment in Subsidiaries 1,04,98,800 1,04,98,800

5. Others 241,33,96,897 206,16,99,657

Subtotal (B) 912,24,84,328 901,99,84,079

Total (A+B) 2947,11,49,485 2863,87,86,279

SCHEDULE VIII

Loans & Advances [Net of Provisions]

A) Refinance to

-BanksandFinancialInstitutions 40383,09,61,127 37193,36,56,036

-MicroFinanceInstitutions 1169,52,05,368 1132,48,81,543

-NBFC 4749,13,22,100 5468,77,05,100

-BillsRediscounted 2956,00,00,000 -

-Others(ResourceSupport) - -

Subtotal (A) 49257,74,88,595 43794,62,42,679

B) Direct Loans

-LoansandAdvances 9144,11,95,442 8021,15,56,128

-ReceivableFinanceScheme 2841,83,77,451 4166,07,07,253

-BillsDiscounted 26,99,33,596 77,90,67,772

Subtotal (B) 12012,95,06,489 12265,13,31,153

Total (A+B) 61270,69,95,084 56059,75,73,832

SCHEDULE IX

Fixed Assets[Net of Depreciation]

1. Premises 192,70,47,584 196,50,76,099

2. Others 1,93,46,875 1,78,23,773

Total 194,63,94,459 198,28,99,872


56


(`)

March 31, 2014 March 31, 2013

SCHEDULE X

Other Assets:

Accrued Interest 704,74,90,615 538,80,83,962

AdvanceTax(Netofprovision) 103,40,26,063 259,68,97,059

Others(IncludesDeferredTaxAssetsof`64,03,96,446) 540,89,67,745 299,46,39,736

Expendituretotheextentnotwrittenoff 121,13,58,164 112,62,00,507

Total 1470,18,42,587 1210,58,21,264

SCHEDULE XI

Contingent Liabilities

i) Claims against the Bank not acknowledged as debts 135,28,35,372 94,34,05,384

ii) OnaccountofGuarantees/LettersofCredit 337,45,25,203 142,36,70,719

iii) On account of Forward Contracts 52,69,03,816 9,59,10,287

iv) On account of Underwriting Commitments - -

v) On account of uncalled monies on partly paid shares, debentures - -

vi) Other items for which the Bank is contingently liable 5993,93,23,562 5039,76,16,268

Total 6519,35,87,953 5286,06,02,658


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March 31, 2014 March 31, 2013

SCHEDULE XII

Interest and Discount

1. InterestandDiscountonLoans,AdvancesandBills 5383,48,58,138 4624,83,61,648

2. IncomeonInvestments/Bankbalances 235,49,83,510 509,27,90,549

Total 5618,98,41,648 5134,11,52,197

SCHEDULE XIII

Other Income:

1. Upfront and Processing Fees 36,76,63,903 22,67,36,460

2. Commission and Brokerage 2,09,46,605 2,36,29,982

3. ProfitonsaleofInvestments 80,65,45,243 104,58,78,339

4. Incomeearnedbywayofdividendsetc.fromSubsidiaries/Associates 3,74,97,750 3,74,97,750

5. ProvisionofEarlierYearswrittenBack - -

6. Others (Refer note no.14) 66,06,68,727 133,72,31,505

Total 189,33,22,228 267,09,74,036

SCHEDULE XIV

Operating Expenses:

Payments to and provisions for employees 190,24,08,098 223,53,72,788

RentTaxesandLighting 16,62,40,563 21,70,09,341

Printing & Stationery 91,79,577 92,88,164

Advertisement and Publicity 2,76,13,901 2,73,00,920

Depreciation/AmortisationonBank’sProperty 11,82,74,218 12,87,73,913

Directors’ fees allowances and expenses 46,69,019 42,01,771

Auditor’s Fees 44,30,761 32,18,265

LawCharges 1,26,28,111 92,17,056

PostageCourier,Telephonesetc 33,28,005 31,89,560

Repairs and maintenance 9,73,95,929 6,95,47,260

Insurance 44,51,363 52,35,173

ContributiontoCGTMSE 18,74,75,000 7,77,50,000

Other Expenditure 55,56,62,592 43,06,36,443

Total 309,37,57,137 322,07,40,654

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIASchedulestoProfit&LossAccountfortheyearendedMarch31,2014

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SCHEDULE XV – SIGNIFICANT ACCOUNTING POLICIES

1. BASIS OF PREPARATION ThefinancialstatementshavebeenpreparedtocomplyinallmaterialrespectswiththeSmallIndustriesDevelopment

Bank of India Act, 1989, prudential norms prescribed by Reserve Bank of India, applicable Accounting Standards issuedbytheInstituteofCharteredAccountantsofIndiaandpracticesprevailingintheBankingIndustry.Thefinancialstatementshavebeenpreparedunderthehistoricalcostconventiononanaccrualbasis,unlessotherwisestated.Theaccounting policies that are applied by the Bank, are consistent with those used in the previous year.

Use of Estimates : The preparation of financial statements requires management to make estimates and assumptions that affect the

reportedamountsofassetsandliabilities,thedisclosureofcontingentliabilitiesonthedateofthefinancialstatementsandthereportedamountsofrevenuesandexpensesduringtheperiodreported.Actualresultscoulddifferfromthoseestimates. Any revision to accounting estimates is recognised in accordance with the requirements of the respective accounting standard

2. REVENUE RECOGNITION A) INCOME : i. Interestincomeincludingpenalinterestisaccountedforonaccrualbasis,exceptwhereinterestand/orinstallment

ofprincipal /billsrepayment isdueformorethan90daysasonthedateofBalanceSheetasperRBInorms.Interestinrespectofsuchloanaccountsandreceivable/billsfinanceistakencreditonactualreceiptbasis.Interestincome from Investments is accounted for on accrual basis, except income on non performing investments.

ii. Income in theProfit andLossAccount is showngross i.e. beforeprovisions asperRBI guidelines andotherprovisions like provision for stressed assets as per Bank’s internal policy.

iii. Discount received in respectofbillsdiscounted / rediscountedandonCertificateofDepositandCommercialPapers is apportioned over the period of usance of the instruments.

iv. Commitmentcharges,servicechargesonseedcapital/softloanassistanceandroyaltyincomeareaccountedforon accrual basis in respect of standard (performing) assets

v. Dividendonsharesheldinindustrialconcernsandfinancialinstitutionsisrecognisedasincomewhenrealized. vi. Income from Venture Capital funds are accounted on realisation basis. vii. Recoveryinnon-performingassets(NPA)istobeappropriatedinthefollowingorder: a) overdue interest upto the date of NPA, b) principal, c) cost & charges, d) interest and e) penal interest. viii. Gain/lossonsaleofloansandadvancesthroughdirectassignmentisrecognizedatthetimeofsale. ix. Profitorlossonsaleofinvestment:Profitorlossonsaleofinvestmentsinanycategoryistakentoprofitand

lossaccount.However,incaseofprofitonsaleofinvestmentsunder“HeldtoMaturity”categoryanequivalentamount is appropriated to Capital Reserves Account.

B) EXPENDITURE : i. All expenditure are accounted for on accrual basis except Development Expenditure which is accounted for on

cash basis. ii. Discount on Bonds and Commercial papers issued are amortized over the tenure of Bonds and Commercial Paper.

TheexpensesrelatingtoissueofBondsareamortizedoverthetenureoftheBonds.



59

3. INVESTMENTS i. In terms of extant guidelines of the Reserve Bank of India, the entire investment portfolio is categorised as “Held to

Maturity”,“AvailableforSale”and“HeldforTrading”.InvestmentsarevaluedinaccordancewithRBIguidelines.Theinvestmentsundereachcategoryarefurtherclassifiedas:

a. Government Securities, b. Other approved securities, c. Shares, d. Debentures & Bonds, e. Subsidiaries/jointventuresand f. Others(CommercialPaper,MutualFundUnits,CertificateofDepositsetc.) (a) Held to Maturity: Investments acquired with the intention to hold till maturity are categorized under Held to Maturity. Such

investments are carried at acquisition cost unless it is more than the face value, in which case the premium is amortized over the period remaining to maturity. Diminution, other than temporary, in the value of investments insubsidiaries/jointventuresunderthiscategoryisprovidedforeachinvestmentindividually.

(b) Held for Trading : Investments acquired with the intention to trade by taking advantage of the short-term price/interest rate

movementsarecategorizedunderHeldforTrading.Theinvestmentsinthiscategoryarerevaluedasawholeandnetappreciation/depreciationisrecognizedintheprofit&lossaccount,withcorrespondingchangeinthebookvalue of the individual scrips.

(c) Available for Sale : Investmentswhichdonot fallwithin the above two categories are categorizedunderAvailable for Sale. The

individualscripunderthiscategoryarerevaluedandnetdepreciationunderanyoftheclassificationmentionedaboveisrecognizedintheprofit&lossaccount.Netappreciationunderanyclassificationisignored.Thebookvalue of individual scrip is not changed.

ii Thedebentures/bonds/sharesdeemedtobeinthenatureofadvance,aresubjecttotheusualprudentialnormsapplicable to loans & advances.

iii In respect of unquoted investments in industrial concerns under Seed Capital Scheme, full provision has been made.

iv Stressed assets provision is made on certain investments as per internal approved policy.

4. FOREIGN CURRENCY TRANSACTIONS Foreign currency transactions are recorded in the books of account in respective foreign currencies. Accounting for

transactionsinvolvingforeignexchangeisdoneinaccordancewithAccountingStandard(AS)-11issuedbyInstituteofChartered Accountants of India:

1. AssetsandLiabilitiesaretranslatedattheclosingratesnotifiedbyFEDAIattheyearend. 2. IncomeandExpenses are translated atmonthly intervals throughactual sale/purchase and recognized in the

profitandlossaccountaccordingly. 3. TherevaluationdifferenceonforeigncurrencyLoCisadjustedandrecordedinaspecialaccountopenedand

maintained, in consultation with GOI for managing exchange risk. 4. TheBankfollowshedgeaccountinginrespectofderivativetransactionsasperRBIguidelines.

5. DERIVATIVES The Bank presently deals in currency derivatives viz., CrossCurrency Interest Rate swaps for hedging its foreign

currency liabilities. Based on RBI guidelines, the above derivatives undertaken for hedging purposes are accounted on



60

an accrual basis. ContingentLiabilitiesonaccountofderivativecontractsatcontractedrupeeamountarereportedonthe Balance Sheet date.

6. LOANS AND ADVANCES

1. AssetsrepresentingloanandotherassistanceportfoliosareclassifiedbasedonrecordofrecoveryasStandard,Sub-standard,DoubtfulandLossAssets.Provisionismadeforassets,asperthenormsinaccordancewiththeprudential norms issued by the Reserve Bank of India.

2. Advances stated in the Balance Sheet are net of provisions made for Non performing assets.

3. General provision on Standard Assets is made as per RBI guidelines.

4. In addition to the General provisions on Standard Assets as per RBI guidelines, as a measure of prudence, the Bank is making additional provision in respect of Standard Assets which are in the Stressed Assets category, as peraninternalapprovedpolicy.TheinternalpolicyforProvisionsforStressedAssetsisbasedonriskperception/riskappetiteandavailabilityofprofitinrespectofcertainportfolio.AsdirectedbyReserveBankofIndia(RBI),ithasbeendecidedtodiscontinuethepracticeofmakingaccountspecificprovisionsinstandardspecificstressedaccounts for SFCs,MFIs anddirect financeportfolio afterDecember 31, 2013. (refer note no - 16 ofNotes toAccount and RBI disclosure no B (h)).

7. TAXATION

(i) Tax expense comprises both current tax and deferred taxes. Current income tax ismeasured at the amountexpectedtobepaidtothetaxauthoritiesinaccordancewithIncomeTaxAct.

(ii) Deferred income taxes reflects the impact of the current year timingdifferences between taxable income andaccountingincomefortheyearandreversaloftimingdifferencesofearlieryears.Deferredtaxismeasuredbasedon the tax rates and the tax laws enacted or substantively enacted at the balance sheet date.

(iii) Deferredtaxassetsarerecognizedonlytotheextentthatthereisreasonablecertaintythatsufficientfuturetaxableincome will be available against which such deferred tax assets can be realised. Unrecognized deferred assets of earlieryearsarere-assessedandrecognizedtotheextentthatithasbecomereasonablycertainthatfuturetaxableincome will be available against which such deferred tax assets can be realised.

8. SECURITISATION TheBankpurchasescreditratedMicro,SmallandMediumEnterprisesAssetpoolsfromBanks/NonBankingFinance

Companiesbywayofpass-throughcertificatesissuedbytheSpecialPurposeVehicle.Suchsecuritisationtransactionsareclassifiedas InvestmentsunderHeld forTrading /AvailableForSalecategorydependingupon the investmentobjective.

TheBankpurchasescreditratedpoolofMicro,SmallandMediumEnterprisesassetsunderbilateraldirectassignment.Suchdirectassignmenttransactionsareaccountedforas‘advances’bytheBank.

TheBankentersintosaleofLoans&Advancesthroughdirectassignment.Inmostofthecases,theBankcontinuestoservicetheLoans&AdvancessoldunderthesetransactionsandisentitledtotheResidualinterestontheLoans&Advances sold. Assets sold under direct assignment are derecognised in the books of the Bank based on the principle of surrenderofcontrolovertheassets.TheBankalsoprovidescreditenhancementintheformofletterofcommitment.Inrespect of credit enhancements provided or recourse obligations accepted by the Bank, appropriate disclosure is made in accordance with AS 29, Provisions, contingent liabilities and contingent assets.

TheresidualincomeontheLoans&AdvancessoldisbeingrecognisedoverthelifeoftheunderlyingLoans&Advances.

9. SALE OF FINANCIAL ASSETS TO ASSET RECONSTRUCTION COMPANIES (ARCs):

(i) ThesaleofNPA’sisoncashbasisorinvestmentinSecurityReceipt(SR)basis.IncaseofsaleonSRbasis,thesaleconsideration or part thereof is treated as investment in the form of SRs.



61

(ii) TheassetsifsoldatapricebelowtheNetBookValue(NBV)(i.e.bookvaluelessprovisionsheld),theshortfallis debitedtotheProfit&LossA/c.IncasethesalevaluebeinghigherthanNBV,theexcessprovisionheldisnotreversedbututilizedtomeettheShortfall/Lossonaccountofsaleofothernon-performingassets.

10. PROVISIONING FOR STAFF BENEFITS A] Post retirement benefits: (i) ProvidentFundisadefinedcontributionschemeadministeredbytheBankandthecontributionsarechargedto

theProfit&LossAccountoftheyear. (ii) GratuityliabilityandPensionliabilityaredefinedbenefitobligationsandotherlongtermemployeebenefitslike

compensatedabsences,postretirementmedicalbenefits,leavefareconcessionetc.areprovidedforonthebasisofanactuarialvaluationmadeattheendofeachfinancialyearbasedontheprojectedunitcreditmethod.

(iii) Actuarialgains/lossesareimmediatelytakentotheprofitandlossaccountandarenotdeferred. (iv) PaymentsmadeundertheVoluntaryRetirementSchemearechargedtotheProfit&Lossaccountintheyearof

expenses incurred. B] Benefits (Short – term) while in service LiabilityonaccountofShorttermbenefitsaredeterminedonanundiscountedbasisandrecognisedovertheperiodof

service,whichentitlestheemployeestosuchbenefits.

11. FIXED ASSETS AND DEPRECIATION a) Fixed Assets are shown at cost less depreciation. b) Depreciation for the full year, irrespective of date of capitalization, is provided on : (i) Furnitureandfixture:ForassetsownedbyBank@100percent (ii) ComputerandComputerSoftware@100percent (iii) Building @ 5 percent on WDV basis (iv) Electrical Installations: For assets owned by Bank @ 50 percent on WDV basis. (v) MotorCar-StraightLineMethod@50percent. c) Depreciationonadditionsisprovidedforfullyearandnodepreciationisprovidedintheyearofsale/disposal. d) Leaseholdlandisamortisedovertheperiodoflease.

12. PROVISION FOR CONTINGENT LIABILITIES AND CONTINGENT ASSETS. Provisions involving substantial degree of estimation in measurement are recognized when there is a present obligation

asaresultofpastevents,itisprobablethattherewillbeanoutflowofresourcesandareliableestimatecanbemadeof theamountof theobligation.ContingentAssetsareneitherrecognizednordisclosedinthefinancialstatements.Contingent liabilities are not provided for and are disclosed in the balance sheet and details given by way of Schedule to the Balance Sheet.

13. GRANTS AND SUBSIDIES Grants and subsidies from the Government and other agencies are accounted as per the terms and conditions of the

agreement.

14. OPERATING LEASE Leaserentalsarerecognizedasanexpense/incomeintheProfitandLossAccountastheybecomedueforpayments.

15. IMPAIRMENT OF ASSETS ThecarryingamountsofassetsarereviewedateachBalanceSheetdate,ifthereisanyindicationofimpairmentbased

oninternal/externalfactors,torecognize, a) the provision for impairment loss, if any required; or b) the reversal, if any, required for impairment loss recognized in the previous periods. Impairment loss is recognized when the carrying amount of an asset exceeds recoverable amount.



62


(`)

March 31, 2014 March 31, 2013

SCHEDULE XVI - NOTES TO ACCOUNTS

1 ‘Bonds and Debentures’ under Borrowings in schedule IV includes the following :

a) Unsecured Bonds 13066,60,00,000 11871,60,00,000

b) Capital Gain Bonds - -

2 ‘Others’ under Other Liabilities and Provisions in schedule V include the following :

a) SIDBI Disability Assistance Fund 2,54,46,152 2,32,58,426

b) SIDBI Voluntary Health Scheme 11,12,62,156 10,64,61,844

3 ‘Expenditure to the extent not written off’ under Other Assets in schedule X includes the following:

a)PremiumontransferofRBINIC(LTO)toGoIBonds 51,69,43,890 58,15,61,877

b)DiscountpaidinAdvance-CommercialPaper 63,71,54,031 48,34,57,839

c) Expenditure on Issuance of Unsecured Bonds 572,60,243 6,11,80,791

4 Interest and Financial Charges

a) Interest on Borrowings 1923,30,15,964 1769,86,27,543

b) Interest on Deposits 1053,18,29,112 962,24,56,338

c) Financial Charges 360,60,67,023 307,14,39,307

Total 3337,09,12,099 3039,25,23,188

5 Estimated amount of contracts remaining to be executed on Capital Account not provided for (net of advance paid)

3,16,59,234 11,60,52,657

6 Premises include advances towards acquisition of Premises `22,26,552(PreviousYear-`42,11,298) and Capital Work in Progress `7,99,28,334(PreviousYear-`16,76,89,229).

7 InrespectofforeigncurrencyborrowingsofJPY30billionunderLineVfromJapanInternationalCooperationAgency(JICA) (previously known as Japan Bank of InternationalCooperation-JBIC), ExchangeRate Fluctuation Fund (ERFF)has been created as per terms agreed with Government of India (GOI) and included in Foreign Currency Fluctuation ReserveFund.Thedifferenceonaccountofexchangefluctuationarisingonprincipalaccountamountingto`4,62,85,94,913 (PreviousYear-`4,94,20,18,504)hasbeennettedoffagainstERFFaspermittedbytheGovernmentofIndia.Adjustmenttothe Fund Account, if necessary, will be made as per directions of Government of India in future. If the balance in the Fund isinsufficient,theclaimwillbeonGovernmentofIndia.

8 Theborrowingof`4,36,08,88,828(PreviousYear-`4,79,69,77,710) from Govt. of India under the JICA IV loan is carried forwardinthe‘scheduleIV-Borrowings’totheBalanceSheetatitshistoricrupeevaluesinceSIDBI’sliabilitytowardsprincipal repayment under the agreement, is not expected to exceed the aggregate of rupee borrowings and the balance in the ERFFmaintainedforthisloan.ThebalanceasonMarch31,2014inERFFmaintainedforthisloanis 3,68,63,08,330(Previous Year-`3,98,57,63,489).

9 Income in schedule XIII - ‘other income’ for FY 2013-14 includes Prior Period Income of `1,39,39,865 [Previous Year`2,21,88,707)]andOtherexpenditureinscheduleXIV-‘OperatingExpenses’forFY2014includesPriorPeriodExpenditureof `4,87,92,475[PreviousYear-`1,42,12,033].


63

10 TheBankhascontractedalineofcreditforUSD300millionfromWorldBankforscalingupSustainableandResponsibleMicroFinanceProjectincludingIDAportionaggregatingSDR65.9million(equivalentofUSD100million).UnderIDAline, Govt. of India is the borrower and rupee funds are lent to SIDBI by GOI though the exchange risk on the underlying is requiredtobebornebySIDBIasperthetermsoftheagreement.Thus,thoughGOIreleasedrupeefundstoSIDBIthesamewasrecordedasSDRliabilityinthebooksofSIDBItodepictcorrectpositionsothatrevaluationdifferencegetssuitablyreflected in theyearendfigures.Accordingly thedrawaleffectedunder theabove lineaggregatingUSD94.63million(equivalent to `552.91cr.)asonMarch31,2014[PreviousYearUSD94.59million(equivalentto`485.30crore)]fromGOIisrecordedasSDRliabilityandtheunderlyingisbeinghedgedthroughCurrencyInterestrateswapsbySIDBI.ThesamehasbeengroupedunderscheduleIV-‘BorrowingsinIndia’.

11 GovernmentofIndia(GOI)hascreated“IndiaMicrofinanceEquityFund”withSIDBIwithacorpusof`300crore.TheFundshallbeutilisedforextendingequityoranyotherformofcapitaltoTier–IIandTier–IIINBFCMFIsandallNon-NBFCMFIs,withafocusonsmallersociallyorientedMFIswiththeobjectiveofpovertyalleviationandachievinglongtermsustainabilityofoperations inunservedandunderservedpartsof thecountry.The fund isoperated/managedbySIDBIforwhichanadministrativefeeformanagingthefundisreceivedbySIDBI.Further,theinflowsandoutflowsaredebited/creditedtothefund.Hence,fundbalanceofIMEF,netofinvestmentisgroupedunder“OtherLiabilities”intheBalanceSheetandallgains/losses/income/expenditurearethepartofthefund.

12 TheBankhaspledgedGovernmentSecurities&TreasuryBillsaggregatingto`379,00,00,000 (book value `366,00,14,453) [Previous Year `1,04,00,00,000 (book value `1,02,34,03,203)]withClearingCorporation of India Ltd. forCollataralisedBorrowingsandLendingObligations(CBLO).TheBankhasplacedFixedDepositwithIDBIBanktocoveritsoperationsunder Working Capital arrangement with IDBI Bank.

13 As a part of hedging strategy, the Bank has placed foreign currency funds drawn under various lines of credit with scheduled commercialbanksandhaveavailedloan/overdraftfacilityinIndianRupeesagainstthesedeposits.Outstandingunderthese borrowings aggregated 9,051,790,000 as on March 31, 2014 (Previous Year 9,39,96,39,669).Theinterestreceivableonthese deposits matches with the interest payable on underlying liabilities.

14 Other incomeincludesrecoveriesonaccountofadvanceswrittenoffinearlieryears`52.33 crore (previous year `73.26 crore]

15 ConveyancedeedinrespectofcertainOfficer’sFlatshasnotbeenexecutedduetopendinglegalmatter,thenetW.D.V.oftheseflatsis`9,17,84,508.(Previousyear-`9,66,15,272) as on March 31, 2014.

16 AsdirectedbyReserveBankof India (RBI), ithasbeendecidedtodiscontinuethepracticeofmakingaccountspecificprovisionsinstandardspecificstressedaccountsforSFCs,MFIsanddirectfinanceportfolioafterDecember31,2013.Thestressed assets provisions, held as on December 31, 2013 amounting to `3,249.70croreisclassifiedasfloatingprovisionandoutofthis,floatingprovisionamountingto`615.48 is utilized towards making NPA provision for one SFC(`609.79 crore) and for one MFI(`5.70 crore utilized before reciept of RBI directive) which has turned NPA in FY 2014 in accordance with RBIcircularNo.DBOD.NO.BP.95/21.04.048/2013-14datedFebruary07,2014whichiswellwithinthelimitof33%ofthefloatingprovisionheld.Further,‘ProvisionsandContingencies’intheProfit&LossAccountfortheyearendedMarch31,2014arenetoffafterwritebackoffloatingprovisionutilizedabove.

17 IFAD had extended a foreign currency loan to SIDBI of SDR 16.35 million, vide loan agreement dated February 18, 2002. Asperthetermsofloanagreement,IFADhaddisbursedloaninUSDanditistoberepaidinUSDequivalenttoSDR.TheBank has accounted accordingly in the books of account.

18 TheBankhassolditsAdvancesportfolio(Direct)underdirectassignment.Thefollowingtablessetforth,fortheperiodsindicated,the information on direct assignment activity of the Bank as an originator.

(`)

Particulars March 31, 2014 March 31, 2013

Opening Balance 86,78,63,862 197,46,04,691

Totalnumberofloanassetsdirectassigned - -

Totalbookvalueofloanassetsdirectassigned - -

Sale consideration received for the direct assigned assets - -

Netgain/(loss)onaccountofdirectassignment - -



64

19

(a)

Employee Benefits

Inaccordancewith theAccountingStandardon“EmployeeBenefits” (AS15) (Revised2005) issuedby the InstituteofCharteredAccountantsofIndia,theBankhasclassifiedthevariousbenefitsprovidedtotheemployeesasunder:

Defined contribution plan

Provident fund

TheBankhasrecognized the followingamounts inProfit&LossAccount,whichare includedunderContributions to

Provident funds: (`)

Particulars March 31, 2014 March 31, 2013

Employer’s contribution to Provident fund 4,50,21,831 4,43,46,490

(b) TheBankishavingdefinedbenefitPensionPlansandGratuitySchemewhicharemanagedbytheTrust.(` Crore)

Pension Gratuity

FY 2014 FY 2013 FY 2014 FY 2013

1. Assumptions

DiscountRate-Previous 8.00% 8.50% 8.00% 8.50%

RateofReturnonPlanAssets-Previous 8.70% 8.60% 8.70% 8.60%

SalaryEscalation-Previous. 7.00% 5.50% 7.00% 5.50%

DiscountRate-Current 9.29% 8.00% 9.32% 8.00%

RateofReturnonPlanAssets-Current 8.70% 8.70% 8.70% 8.70%

SalaryEscalation-Current 7.00% 7.00% 7.00% 7.00%

2. Table showing change in Benefit Obligation

Liabilityatthebeginningoftheyear 218.85 155.95 68.08 56.24

Interest Cost 17.51 13.26 5.45 4.78

Current Service Cost 10.26 13.84 4.26 2.42

PastServiceCost(NonVestedBenefit) 0.00 0.00 0.00 0.00

PastServiceCost(VestedBenefit) 0.00 0.00 0.00 0.00

LiabilityTransferredin 0.00 0.00 0.00 0.00

(LiabilityTransferredout) 0.00 0.00 0.00 0.00

(BenefitPaid) (4.75) (2.83) (3.46) (1.99)

Actuarial(gain)/lossonobligations (20.77) 38.64 (11.75) 6.63

Liability at the end of the year 221.08 218.85 62.57 68.08



65

Pension Gratuity

FY 2014 FY 2013 FY 2014 FY 2013

3. Tables of Fair value of Plan Assets

Fair Value of Plan Assets at the beginning of the year 74.12 66.58 68.86 44.92

Expected Return on Plan Assets 6.45 5.73 5.99 3.86

Contributions 4.13 3.94 23.20 21.41

Transferfromothercompany 0.00 0.00 0.00 0.00

(Transfertoothercompany) 0.00 0.00 0.00 0.00

(BenefitPaid) (4.75) (2.83) (3.46) (1.99)

Actuarialgain/(loss)onPlanAssets 0.32 0.70 0.62 0.65

Fair Value of Plan Assets at the end of the year 80.27 74.12 95.21 68.86

Total Actuarial Gain / (Loss) to be recognised 21.09 (37.94) 12.37 (5.97)

4. Actual Return on Plan Assets

Expected Return on Plan Assets 6.45 5.73 5.99 3.86

ActuarialGain/(Loss)onPlanAssets 0.32 0.70 0.62 0.65

Actual Return on Plan Assets 6.77 6.43 6.61 4.51

5. Amount Recognised in the Balance Sheet

Liabilityattheendoftheyear 80.27 74.12 95.21 68.86

Fair Value of Plan Assets at the end of the year (221.08) (218.85) (62.57) (68.08)

Difference (140.82) (144.72) 32.64 0.78

Unrecognised Past Service Cost at the end of the year 0.00 0.00 0.00 0.00

UnrecognisedTransitionalLiabilityattheendoftheyear 0.00 0.00 0.00 0.00

Net Amount recognised in the Balance Sheet (140.82) (144.72) 32.64 0.78

6. Expenses Recognised in the Income Statement

Current Service Cost 10.26 13.84 4.26 2.42

Interest Cost 17.51 13.26 5.45 4.78

Expected Return on Plan Assets (6.45) (5.73) (5.99) (3.86)

PastServiceCost(NonVestedBenefit)recognisedduringtheyear 0.00 0.00 0.00 0.00

PastServiceCost(VestedBenefit)recognisedduringtheyear 0.00 0.00 0.00 0.00

RecognitionofTransitionLiabilityduringtheyear 0.00 0.00 0.00 0.00

Actuarial(Gain)/Loss (21.09) 37.94 (12.37) 5.97

Expense Recognised in Profit & Loss account 0.22 59.30 (8.66) 9.31


(` Crore)


66

Sr. No. Particulars FY 2014 FY 2013

1 OrdinaryLeaveEncashment 5.00 10.15

2 LeaveFareConcession(LFC) 0.45 2.58

3 SickLeave 2.60 0.94

4 ResettlementExpenses 0.00 0.00

5 Voluntary Health Scheme (VHS)* 0.10 0.69

* Domiciliary claim has been assumed to go up by 2%.

10. Experience Adjustment:

Pension Gratuity

FY 2014 FY 2013 FY 2012 FY 2011 FY 2014 FY 2013 FY 2012 FY 2011

OnPlanLiability(Gain)/Loss 24.34 (2.72) 35.64 6.91 (3.72) (0.11) 14.18 3.45

OnPlanAsset(Loss)/Gain 0.32 0.70 5.78 1.62 0.62 0.65 (0.78) (0.26)

C. ThefollowingaretheamountchargedtoProfit&LossAccountrelatingtoother longtermbenefitsplanbasedontheactuarial valuation provided by independent actuary.

Pension Gratuity

FY 2014 FY 2013 FY 2014 FY 2013

7. Balance Sheet Reconciliation

OpeningNetLiability 144.72 89.37 (0.08) 11.32

Expense as above 0.22 59.30 (8.66) 9.31

Employers Contribution (4.13) (3.94) (23.20) (21.41)

Amount recognised in the Balance Sheet 140.82 144.72 (32.64) (0.78)

8. Other Details

Salary escalation is considered as advised by the Bank which is in line with the industry practice considering promotion, demand and supply of the employees.

Estimated Contribution for next year (12 months) 19.94 16.31 0.00 3.48

9. Category of Assets

Government of India Assets 0.00 0.00 0.00 0.00

Corporate Bonds 0.00 0.00 0.00 0.00

Special Deposits Scheme 0.00 0.00 0.00 0.00

EquitySharesofListedCompanies 0.00 0.00 0.00 0.00

Property 0.00 0.00 0.00 0.00

InsurerManagedFunds(LICofIndia) 80.27 74.12 95.21 68.86

Other 0.00 0.00 0.00 0.00

Total 80.27 74.12 95.21 68.86


(` Crore)


67

Business Segments Direct Finance Indirect Finance Treasury Total

Particulars FY 2014 FY 2013 FY 2014 FY 2013 FY 2014 FY 2013 FY 2014 FY 2013

1 Segment Revenue 1437 1365 4118 3420 253 616 5,808 5,401

Exceptional Items - -

Total 5,808 5,401

2 Segment Results 346 348 1208 825 91 111 1,645 1,284

Exceptional Items -

Total 1,645 1284

Unallocable Expenses 106 88

Operating profit 1,539 1,196

IncomeTax(Netofwriteback) 421 359

Net profit 1,118 837

3 Other information

Segment Assets 15103 12433 48355 45970 3416 2573 66,874 60,976

Unallocated Assets 936 872

Total Assets 67,810 61,848

SegmentLiabilities 13246 9774 42299 41517 3104 2102 58,649 53,393

UnallocatedLiabilities 670 820

Total 59,319 54,213

Capital / Reserves 1930 2668 6179 4491 382 476 8,491 7,635

Total 8,491 7,635

Total Liabilities 67,810 61,848

21 Related party transactionsAspertheAccountingStandardon“RelatedPartyDisclosures”(AS-18)issuedbyInstituteofCharteredAccountantofIndia, the related parties of the Bank are as follows.

A12

Subsidiaries: SIDBIVentureCapitalLimited(SVCL)SIDBITrusteeCompanyLimited(STCL)

B123

AssociatesIndia SME Asset Reconstruction Company (ISARC)SMERatingAgencyofIndiaLtd.(SMERA)IndiaSMETechnologyServicesLtd.(ISTSL)

20. AsrequiredunderAccountingStandard-17'SegmentReporting'theBankhasdisclosed"Businesssegment"asthePrimarySegment. Since the Bank operates in India, there are no reportable geographical segments. Under Business Segment, the BankhasidentifiedDirectFinance,IndirectFinanceandTreasuryasitsthreereportingsegments.Thesesegmentshavebeenidentifiedafterconsideringthenatureandriskprofileoftheproductsandservices,theorganizationstructureandtheinternalreportingsystemoftheBank.Previousyear'sfigureshavebeenregroupedandreclassifiedtoconformtothecurrentyear'smethodology. (` Crore)



68

e) Related Party Subsidiaries Associates

Particulars SVCL STCL SMERA ISARC ISTSL

Investment in SharesTransactionsduringtheYear -

(-) -(-)

-(-)

-(-)

-(-)

Outstanding at end of the year 1,00,00,000 (1,00,00,000)

5,00,000 (5,00,000)

5,10,00,000 (5,10,00,000)

15,00,00,000 (15,00,00,000)

1,00,00,000 (1,00,00,000)

Income receivedAmount received by Bank 4,88,44,394

(4,65,13,178) 90,000

(1,00,000) 62,38,551

(60,98,446) 81,96,299

(70,77,717)--

Receivables at end of the year -(-)

-(-)

-(-)

-(-)

-(-)

Reimbursement of expenses Amount claimed by Bank 23,12,964

(5,41,674)-(-)

-(-)

43,45,513 (6,48,640)

18,61,469 (38,52,852)

Receivables at end of the year - (960)

-(-)

-(-)

15,178 (6,34,576)

39,44,583 (34,90,794)

FY 2013-14 FY 2012-13

1) Shri S. Muhnot, Chairman & Managing Director (upto Nov 8, 2013) 10,92,533 26,42,975

2) Shri N.K.Maini, Deputy Managing Director 23,79,136 21,13,512

3) ShriT.R.Bajalia,DeputyManagingDirector(uptoDec31,2013) 11,86,352 7,17,450

a) Outstanding balances of loans as on March 31st in respect of above persons: Nil Nil

b) Interest on loans granted to Key Managerial Personnel during the year: Nil Nil

c) Outstanding balances under Fixed Deposits as on March 31st in respect of Key Managerial Personnel of the Bank:

Particulars FY 2013-14 FY 2012-13

Deposits accepted during the year 16,04,134 37,58,628

Repayment during the year 11,25,000 8,22,743

Closing Balance 56,22,762 51,43,628

Interest recognised during the year 5,90,384 4,68,552

C

1

2

3

Key Managerial Personnel of the Bank:

Shri S. Muhnot, Chairman & Managing Director (upto Nov 8, 2013)

ShriN.K.Maini,DeputyManagingDirector-Incharge.

ShriT.R.Bajalia,DeputyManagingDirector(uptoDec31,2013)

The above list does not include StateControlled Enterprises since the same are exempted vide para 9 ofAccountingStandard-18issuedbyInstituteofCharteredAccountantsofIndia(ICAI).

D Disclosures of details pertaining to related party transactions :

a) ThegrosssalaryincludingperquisitespaidtotheKeyManagerialPersonneloftheBankduringtheyearisasunder:

(`)



69

22 Earning Per Share (EPS) (AS-20)* : March 31, 2014 March 31, 2013

NetProfitconsideredforEPScalculation(`) 1118,27,17,901 837,35,26,906

Number of equity shares of face value ` 10 each 45,00,00,000 45,00,00,000

Earning per share (`) 24.85 18.61

* Basic & Diluted EPS are same as there are no dilutive potential Equity Shares.

23 AspertheAccountingStandard22,AccountingforTaxesonIncome,theBankhasreviewedtheDeferredTaxExpenditure/Savingand recognisedanamountof`1,81,13,31,566asDeferredTaxAssets (Previousyear -DeferredTaxAssetwas`20,70,65,580) in theProfitandLossAccount for theyearendedMarch31,2014.TheBreakupofDeferredTaxAsset/(Liability)asonMarch31,2014isasfollows: Timing Difference As at 31.03.2014

Deferred Tax Asset/(Liability)

As at 31.03.2013 Deferred Tax

Asset/(Liability)

a) Provision for Depreciation (4,48,16,723) (4,80,06,842)

b) SpecialReserveu/s36(1)(viii)oftheIncomeTaxAct1961 (334,41,91,476) (306,00,03,750)

c) Provisions for Bad & Doubtful Debts 333,22,13,509 125,78,32,600

d) Amortisation of Premium on GOI Bonds (17,57,09,228) (19,76,72,882)

e) Provision for Restructuring of Accounts 16,46,37,417 16,46,37,417

f) Others 70,82,62,948 71,22,78,338

Net deferred tax Asset/(Liability) 64,03,96,447 (117,09,35,120)

e) Related Party Subsidiaries Associates

Particulars SVCL STCL SMERA ISARC ISTSL

Payment of expensesAmount paid by Bank -Fees/Commission 24,19,510

(22,27,423)--

- (4,00,000)

--

- (7,25,239)

-Interest - (46,45,503)

- (16,40,452)

-(-)

- (79,74,179)

--

Payables at end of the year-Fees/Commission -

(-)-(-)

-(-)

-(-)

-(-)

-Interest -(-)

-(-)

-(-)

-(-)

-(-)

Deposits Received during the Year -

(-)-(-)

-(-)

-(-)

-(-)

Repaid during the year - (4,78,10,000)

- (1,68,83,000)

-(-)

- (8,07,58,957)

-(-)

Outstanding at end of the year -(-)

-(-)

-(-)

-(-)

-(-)

(Figures in brackets represents previous year’s amount)


(`)


70

24 Provision for Income Tax includes:

Sr. No. Particulars FY 2013-14 FY 2012-13

(i) CurrentIncomeTaxProvision 602,99,57,094 521,55,64,002

(ii) Short/(Excess)IncomeTaxProvisionofEarlierYears (63,72,742) (141,91,88,870)

25 Contingent liabilities of 1,30,17,60,225(PreviousYear- 88,70,74,231)representsincometaxandservicetaxliability.ThisisbeingdisputedbytheBankandbasedonexpert'sopiniontheprovisionisnotconsiderednecessary.Itincludesanamountof `50,66,98,988(PreviousYear-`50,66,51,835)pertainingtoappealsfiledbyIncomeTaxDepartmentagainsttheBank.

26 In the opinion of the Management, there is no material impairment of the fixed assets of the Bank in terms of Accounting Standard 28- Impairment of Assets.

27 Disclosures under Accounting Standard 29 for provisions in contingencies.

Particulars Wage Arrears / Incentive

Other Provisions

Opening Balance 99,59,800 4,36,60,598

Additions: 29,10,00,000 0.00

Utilisations: 16,321 0.00

Write back 0.00 0.00

Closing Balance 30,09,43,479 4,36,60,598

Other Provision represents claims filed against the Bank in the normal course of business relating to various legal cases and other claims for which Bank is contingently liable.

28 The bank has not exceeded the prudential exposure limit during the year.

29 Details of Customers complaints received, disposed off and pending for the year ended March 31, 2014.

Particulars FY 2014 FY 2013

No. of Complaints at the beginning of the year 8 3

Add: No. of Complaints received during the year 52 55

Less: No. of Complaints redressed during the year 52 50

No. of Complaints pending at the end of the year 8 8

30 Investor’s Complaints:As on 1st April, 2013, the Bank had three pending investor’s complaints. During the current financial year three complaints were received from Investors and three complaints were disposed off during the year. Thus, three complaints are pending for disposal as on March 31, 2014.

31 Regulation 14 of Small Industries Development Bank of India General Regulations, 2000 prescribes separate format for presentation of accounts under Small Industries Development Assistance Fund(SIDAF) and General Fund. As no separate SIDAFhasbeennotifiedbytheCentralGovernment,thesameisnotbeingmaintainedbySIDBI.

32 Previousyear’sfigureshavebeenre-groupedandre-classifiedwherevernecessary tomake themcomparablewith thecurrentyearsfigures.


(`)


71


(` Crore)

Additional disclosures as per RBI guidelines

A. Capital FY 2013-14 FY 2012-13

a) Capital to Risk Assets Ratio [CRAR] 30.75% 28.14%

Core CRAR 29.65% 27.02%

Supplementary CRAR 1.10% 1.12%

b) The amount of subordinated debt raised and outstanding as Tier II capital Nil Nil

c) Risk weighted assets- separately for on and off-balance sheet items

On Balance sheet 30,092.50 30,566.65

OffBalancesheet 645.06 350.53

d) The share holding pattern as on the date of the Balance sheet No. of shares Percentage of shareholding

Financial Institutions 2,39,00,000 5.31

Insurance Companies 9,84,50,000 21.88

PSU Banks 32,76,50,000 72.81

Total 45,00,00,000 100.00

B. Asset quality and credit concentration

FY 2013-14 FY 2012-13

a) Percentage of net NPAs to net loans and advances 0.45 0.53

b) Provision Coverage Ratio 88%* 84%

* Floating provision held as on March 31, 2014 has not been considered while calculating PCR.

c) Amount and percentage of net NPAs to net advances under the prescribed asset classification categories

FY 2013-14 FY 2012-13

Category Amount Percentage Amount Percentage

Sub-standardassets* 206.82 0.34 277.07 0.49

Doubtful assets* 70.23 0.11 22.08 0.04

Total 277.05 0.45 299.15 0.53

*AdjustedprovisioninrespectofrestructuredaccountsclassifiedasNPA.TheNetNPAforFY2013-14willbeNILiftheamountoffloatingprovisionisadjustedagainstthesame.

d) Amount of provisions made during the year towards Standard assets, NPAs, Investments (other than those in the nature of an advance) and Income Tax


Standard Assets * 411.77 673.36

NPAs** 784.09 350.09

Investments 41.98 159.40

Restructuring of Accounts - 19.02

IncomeTax(includingDeferredtaxandwritebackofexcessprovision,ifany) 421.23 358.93

* Includes general provision of 50.06 crore (previous year 31.02 crore) held in respect of standard assets, as per RBI guidelines.

** Net of write back of provision `116.22 crore , (previous year `68.86 crore)


72


(` Crore)

e) Movement of Non Performing Assets (NPAs)


GrossNPAatthebeginningofthefinancialyear 554.29 373.51

Add : Additions during the year 995.48 621.81

Sub total (A) 1549.78 995.32

Less:-

i) Upgradations 49.15 69.29

ii) Recoveries (excluding recoveries made from upgraded accounts) 183.40 79.86

iii) PrudentialWrite-offs 161.24 291.87

iv) Write-offsotherthanthoseunder(iii)above 2.87 0.00

Sub total (B) 396.66 441.02

Gross NPA at the close of the financial year (A - B) 1153.12 554.29

f) Movement of provisions for NPAs (excluding provisions on standard assets)


OpeningBalanceatthebeginningofthefinancialyear 247.02 188.80

Add: Provisions made during the year 900.31 418.94

Less:Write-off/write-backofexcessprovisions 280.32 360.72

Closing balance at the close of the financial year 867.01 247.02

g) Movement in Net NPAs


OpeningBalanceatthebeginningofthefinancialyear 299.15 183.92

Add: Additions during the year 95.18 202.86

Less:Reductionsduringtheyear 116.34 80.30

Less: Provision for dimunition of fair value of restructured accountsclassifiedasNPA*

0.94 7.33

Closing balance at the close of the financial year 277.05 299.15

*ProvisionfordiminutioninfairvalueofrestructuredaccountsclassifiedasNPAasonMarch31,2014is`9.06 crore, as against `8.12crorealreadyconsideredinopeningasonMarch31,2013.AccordinglythefigurehasbeenworkedoutforFY2013-14.


73

b) Credit exposure to the five largest industrial sectors (if applicable) as percentage to total loan assets :

Name of Industry FY 2013-14 FY 2012-13

Amount. Outstanding

% to total loan assets

Amount. Outstanding

% to total loan assets

Metal Products 3,242.65 5.29 739.51 6.03

TransportEquipment 1,820.46 2.97 1,608.59 13.12

Electricity Generation 1,497.07 2.44 1,404.44 11.45

Electronic Equipment * 1,444.00 2.36 571.93 4.66

Textiles(IncludingJute) 1,254.14 2.05 1,323.89 10.79

*ElectronicEquipmentwasnotintopfivelargestindustrialsectorsinFY2012-13

C. Credit Exposure

a) Credit exposure as percentage to capital funds and as percentage to total assets, in respect of :

Sr. No. Particulars FY 2013-14 FY 2012-13

As % to Total Assets

As % to Capital funds

As % to Total Assets

As % to Capital funds

1 Thelargestsingleborrower 12.77 82.19 10.51 67.70

Thelargestborrowergroup As large borrowers are Primary lending Institutions, the concept of borrower group is not applicable.

2 The10largestsingleborrowers 50.86 327.24 43.69 281.45

The10largestborrowergroup As large borrowers are Primary lending Institutions the concept of borrower group is not applicable.

h) Movement of Floating Provisions


Openingbalanceatthebeginningofthefinancialyear - -

Add: Provisions made during the year/provision transferred during theyear from stressed asset provision *

3249.7 -

Less:Purposeandamountofdrawdownmadeduringtheyear 609.79 -

Closing balance at the close of the financial year 2,639.91 -

*AsdirectedbyReserveBankofIndia(RBI),ithasbeendecidedtodiscontinuethepracticeofmakingaccountspecificprovisionsinstandardspecificstressedaccountsforSFCs,MFIsanddirectfinanceportfolioafterDecember31,2013.The stressed assetsprovisions, held as onDecember 31, 2013 amounting to`3,249.70 crore is classified asfloatingprovisionandoutofthis,floatingprovisionamountingto`615.48 is utilized towards making NPA provision for one SFC (`609.79 crore) and for one MFI (`5.70crore-utilizedbeforerecieptofRBIdirective)whichhasturnedNPAinFY2014inaccordancewithRBIcircularNo.DBOD.NO.BP.95/21.04.048/2013-14datedFebruary07,2014whichiswellwithinthelimitof33%ofthefloatingprovisionheld.Further,‘ProvisionsandContingencies’intheProfit&LossAccountfortheyearendedMarch31,2014arenetoffafterwritebackoffloatingprovisionutilizedabove.


(` Crore)


74


(` Crore)

D. Concentration of Deposits, Advances, Exposures and NPAs

a) Concentration of Deposits FY 2013-14 FY 2012-13

TotalDepositsoftwentylargestdepositors(` Crore) 702.28 2361.71

Percentage of deposits of twenty largest depositors to total deposits of the bank 75.66 90.66

b) Concentration of Advances FY 2013-14 FY 2012-13

TotalAdvancestotwentylargestborrowers(` Crore) 46,628.32 34,471.25

Percentage of advances to twenty largest borrowers to total advances of the bank 76.10 61.49

c) Concentration of Exposures FY 2013-14 FY 2012-13

TotalExposurestotwentylargestborrowers/customers(` Crore) 46,634.80 34,472.03

Percentage of exposures to twenty largest borrowers / customers to totalexposuresofthebankonborrowers/customers

55.32 53.60

d) Concentration of NPAs - Total Exposure to top four NPA accounts (` Crore) 815.73 204.17

e) Sector wise NPAs


PercentageofNPAstoTotal Advances in that Sector

Agriculture & allied activities Industry ( Micro, small, medium and large) - -

Industry ( Micro, small, medium and large) 2.12 0.74

Services 0.95 6.37

PersonalLoans - -

f) Movement of Prudential Write-off (PWO) Accounts


PrudentialWritten-offAccountsatthebeginningofthefinancialyear 1,312.61 1,107.30

Add:Prudentialwrite-offduringtheyear 161.24 291.87

Sub total (A) 1,473.85 1,399.17

Less: Actual write off 210.91 13.39

Less:Recoveriesmadefrompreviouslyprudentialwritten-offaccountsduringtheyear 52.33 73.17

Sub total (B) 263.24 86.56

Prudential Written-off Accounts at the close of the financial year (A-B) 1,210.61 1,312.61

g) Overseas Assets, NPAs and Revenue


TotalAssets - -

TotalNPAs - -

TotalRevenue - -


75

FY 2013-14 FY 2012-13Name of SPV Sponsored Name of SPV Sponsored

Domestic Overseas Domestic Overseash) Off-Balance Sheet SPVs sponsored (which are required to

be consolidated as per accounting norms)- - - -


(` Crore)

E Investmentsa) The Investments have been classified as under, as required by RBI guidelines:

Particulars FY 2013-14 FY 2012-13i) Held to Maturity 796.57 762.37ii) Available for sale 2,542.40 2,363.42iii)HeldforTrading - 92.65iv) Others - -Total 3,338.97 3,218.44

b) Provisions for depreciation in InvestmentsParticulars FY 2013-14 FY 2012-13Openingbalanceasatthebeginningofthefinancialyear 40.62 119.45Add : Provisions made during the year 32.18 -78.83Add: Appropriations, if any, from Investment Fluctuation Reserve account - -Less:Writeoffduringtheyear 0.93 -Less:Transfer,ifany,toInvestmentFluctuationReserveaccount - -Less:AppropriationsmadeonaccountofshiftingofGSecfromAFStoHTMduringFY - -Closing balance at the close of the financial year 71.87 40.62

c) Issuer Categories in respect of Investment made:Issuer Amount Amount of

Investment made through private placement

Below Investment Grade Securities Held

Unrated securities held

Unlisted securities

PSUs 469.52 0.00 - - 0.00FIs 349.98 269.98 - - 235.16Banks 664.93 161.00 - - 0.00Private Corporates 727.66 656.74 - 9.73 544.02Subsidiaries/Jointventures 1.05 1.05 - - 1.05Others 737.17 0.00 - - 352.50Sub-Total 2,950.31 1,088.77 - 9.73 1,132.72 Provision held towards depreciation (72.80) - - - - Total 2,877.51 1,088.77 - 9.73 1,132.72 d) Non-performing Investments:

Particulars FY 2013-14 FY 2012-13Openingbalanceasatthebeginningofthefinancialyear 319.14 132.43Additions during the year since 1st April 4.40 188.54Reductions during the above period 3.54 1.83Closing balance at the close of the financial year 319.99 319.14TotalProvisionsheld 297.89 291.84

e) Sale & transfers of securities to /from HTM category:DuringthecurrentFY,theBankshiftedinvestmentsinVentureCapitalFundsfromHTMtoAFScategoryinaccordancewithextantRBIguidelines.Exceptfortheabove,therewasnoshiftingofinvestmentsto/fromHTMcategory.


76


(` Crore)

f) Disclosure of Restructured Accounts

Sl Type of Restructuring u Under CDR Mechanism Under SME Debt Restructuring Mechanism Others Total

Asset Classification u Standard Sub-Standard

Doubtful Loss Total Standard Sub-Standard



Doubtful Loss Total

Details v

1 Restructured Accounts as on April 1 of the FY (opening figures)*

No. of Borrowers

11 4 1 - 16 - - - - - 136 41 16 - 193 147 45 17 - 209

Amount outstanding

666.31 90.87 1.38 - 758.56 - - - - - 1,048.32 89.40 25.91 - 1,163.63 1,714.63 180.27 27.30 - 1,922.20

Provision thereon

13.02 7.08 - - 20.10 - - - - - 2.79 0.56 0.32 - 3.67 15.82 7.64 0.32 - 23.78

2 Fresh restructuring during the year

No. of Borrowers

- 1 1 - 2 - - - - - 83 7 2 - 92 83 8 3 - 94

Amount outstanding

2.27 15.05 68.97 - 86.29 - - - - - 152.08 19.64 6.05 - 177.77 154.35 34.69 75.02 - 264.06

Provision thereon

- - 7.92 - 7.92 - - - - - 1.55 0.29 0.07 - 1.91 1.55 0.29 7.99 - 9.83

3 Upgradations to restructured standard category during the FY

No. of Borrowers

- - - - - - - - - - 6 -2 -4 - - 6 -2 -4 - -

Amount outstanding

- - - - - - - - - - 32.83 (24.52) (8.31) - - 32.83 (24.52) (8.31) - -

Provision thereon

- - - - - - - - - - 0.30 (0.09) (0.21) - - 0.30 (0.09) (0.21) - -

4 Restructured standard advances which cease to attract higher provisioning and / or additional risk weight at the end of the FY and hence need not be shown as restructured standard advances at the beginning of the next FY

No. of Borrowers

-1 -1 - - -19 -19 -20 -20

Amount outstanding

(103.66) (103.66)

- - (51.72) (51.72) (155.38) (155.38)

Provision thereon

- - - - (0.20) (0.20) (0.20) (0.20)

5 Downgradations of restructured accounts during the FY

No. of Borrowers

-1 1 - - - - - - - - -19 4 15 - - -20 5 15 - -

Amount outstanding

(40.65) 40.65 - - - - - - - - (50.69) (4.05) 54.74 - - (91.34) 36.60 54.74 - -

Provision thereon

(1.96) 1.96 - - - - - - - - (0.40) 0.32 0.08 - - (2.36) 2.28 0.08 - -

6 Write-offs of restructured accounts during the FY

No. of Borrowers

-2 -2 -1 - -5 - - - - - -20 -22 -7 - -49 -22 -24 -8 - -54

Amount outstanding

(108.32) (62.30) (1.38) - (172.00)

- - - - - (46.68) (7.20) (9.49) - -63.37 (155.00) (69.50) (10.88) - (235.38)

Provision thereon

(11.06) (8.63) - - (19.69) - - - - - (1.17) (0.60) (0.11) - -1.88 (12.24) (9.23) (0.11) - (21.58)

7 Restructured Accounts as on March 31 of the FY (closing figures)*

No. of Borrowers

7 4 1 - 12 - - - - - 167 28 22 - 217 174 32 23 - 229

Amount outstanding

415.95 84.27 68.97 - 569.19 - - - - - 1,084.14 73.27 68.90 - 1,226.31 1,500.09 157.54 137.87 - 1,795.50

Provision thereon

- 0.41 7.92 - 8.33 - - - - - 2.87 0.48 0.15 - 3.50 2.87 0.89 8.07 - 11.83

*Excluding the figures of Standard Restructured Advances which do not attract higher provisioning or risk weight (if applicable).

Note: Figures at Sr. No. 2 includes ` 7.07 crore of fresh/additional sanction (12 accounts) to existing restructured borrowers and increase in outstanding of `7.52 crore & provision of `0.24 crore in respect of existing borrowers. Figures at Sr. No.6 includes `164.07 crore (29 borrower & provisions of `14.87 crore) which is reduction/recovery from existing restructured accounts by way of recovery.

G. a) Assets sold to Securitisation Company / Reconstruction Company


Number of Accounts - -

AggregateValue(netofprovisions)ofAccountssoldtoSC/RC - -

Aggregate Consideration - -

Additional Consideration realised in respect of accounts transferred in earlier years - -

AggregateGain/LossovernetBookValue - -


77

b) Corporate Debt Restructuring

Sr. No Particulars FY 2013-14 FY 2012-13

(i) TotalAmountofLoanAssetssubjectedtoRestructuringunderCDR 673.74 758.56

(ii) TheAmountofStandardAssetsSubjecttoCDR 520.5* 666.31

(iii) TheAmountofSub-StandardAssetssubjecttoCDR 153.24 92.25

* Includes amount of `104.55croreforaccountswhichdonotattarcthigherprovisioning


(` Crore)

H Liquidity

Maturity pattern of rupee and foreign currency assets and liabilities (As compiled by the management and relied upon by the auditors)

Items Less than or equal to 1 year

More than 1 year upto 3 years

More than 3 years upto 5 years

More than 5 years upto 7 years

More than seven years

Total

Rupee assets 46,918 16,442 4,586 1,572 3,586 73,104

Foreign currency assets (Rupee Equivalent)

Dollar 1,328 551 270 1,068 1,025 4,242

Euro 552 699 473 190 162 2,076

Yen 441 488 594 590 1,254 3,367

GBP 1 67 - - - 68

Total Assets 49,240 18,247 5,923 3,420 6,027 82,857

Rupee liabilities 26,686 23,589 2,993 3,552 17,454 74,274

Foreign currency liabilities (Rupee Equivalent)

Dollar 938 211 209 926 1,680 3,964

Euro 294 540 519 135 342 1,830

Yen 179 505 653 649 1,348 3,334

GBP - - - - - -

Total Liabilities 28,097 24,845 4,374 5,262 20,824 83,402

I Operating results


a) Interest income as a percentage to average working funds* 8.88 8.62

b) Non-interestincomeasapercentagetoaverageworkingfunds 0.21 0.32

c) Operatingprofitasapercentagetoaverageworkingfunds (before provisions)

3.38 3.38

d) Return on average assets (before provisions for taxation) 2.41 1.98

e) NetProfitperemployee(` crore) 1.07 0.79

* Interset income includes recoveries out of bad bebts


78


(` Crore)

J Forward Rate Agreements & Interest Rate Swaps


i) No. of transactions outstanding - -

ii) Totaloutstandingnotionalprincipal(` Crore) - -

iii) Nature of swaps - -

iv) Terms - -

v) Accounting Policy - -

vi) Losswhichwouldbeincurredincasecounterpartiesfailtofulfilltheir obligations (` Crore)

- -

vii) Collateral required upon entering into swaps - -

viii) Concentraion of credit risk arising from swaps - -

ix) Fair value of swaps book (` Crore) - -

K Details in respect of Interest Rate Derivatives:


Notional principal amount of exchange traded interest rate derivatives undertakenduringtheyear(instrument-wise)

- -

Notional principal amount of exchange traded interest rate derivatives outstandingasonMarch31(instrument-wise)

- -

Notional principal amount of exchange traded interest rate derivatives outstandingandnot“highlyeffective”(instrument-wise)

- -

Mark-to-marketvalueofexchangetradedinterestratederivativesoutstandingandnot“highlyeffective”(instrument-wise)

- -

L Disclosure of risk exposure in derivatives

a) Qualitative Disclosures

(i) The Bank uses Derivatives for hedging of interest rate and exchange risk arising out of mismatch in the assetsand liabilities. All derivatives undertaken by Bank are for hedging purposes with underlying as Foreign Currency borrowings,whicharenotMTM,butonlytranslated.TheBankdoesnotundertaketradinginDerivatives.

(ii) InternalControlguidelinesandaccountingpoliciesareframedandapprovedbytheBoard.Thederivativestructureisundertakenonlyafterapprovalofthecompetentauthority.TheparticularsofderivativedetailsundertakenarealsoreportedtoALCO/Board.

(iii) TheBankhasputsystemsinplaceformitigatingtheriskarisingoutofderivativedeals.TheBankfollowstheaccrualmethod for accounting the transactions arising out of derivative deals.

(iv) ProvisionsaremadeforMarkToMarketlosses,ifany,attheyearend.


79

b) Quantitative Disclosures FY 2013-14 FY 2012-13

Sr. No.

Particulars Currency Derivatives

Interest rate Derivatives

Currency Derivatives

Interest rate Derivatives

1 Derivatives ( Notional Principal Amount )

(i) For hedging 5,993.93 - 5,039.76 -

(ii) For trading - - - -

2 MarkedtoMarketPositions[1]

(i) Asset(+) 537.71 - 236.16 -

(ii) Liability(-) - - - -

3 CreditExposure[2] 857.99 - 568.26 -

4 Likelyimpactofonepercentagechangeininterestrate ( 100* PV01)

(i) On hedging derivatives 114.49 - 293.00 -

(ii) On trading derivatives - - - -

5 Maximum and Minimum of 100*PV01 observed during the year

(i) On hedging 114.49/68.51 - 343.21/293.00 -

(ii) On trading - - - -


(` Crore)





80

March 31 2013 Particulars March 31 2014 March 31 2014

1. Cash Flow from Operating Activities

1196,28,36,459 NetProfitbeforetaxasperP&LAccount 1539,49,70,687

Adjustmentsfor:

12,87,73,913 Depreciation 11,82,74,218

80,57,41,833 Provision for net depreciation in investments 41,97,88,782

844,03,97,261 Provisions made (net of write back) 605,74,79,501

(104,58,78,339) Profitonsaleofinvestments(net) (80,65,45,244)

(23,47,79,638) Dividend Received on Investments (17,27,26,300) 561,62,70,957

2005,70,91,489 Cash generated from operations 2101,12,41,644

(PriortochangesinoperatingAssetsandLiabilities)

Adjustmentsfornetchangesin:

309,43,07,039 Current assets (351,84,95,873)

(923,57,89,581) Current liabilities 7,59,87,970

(1609,71,55,388) Bills of Exchange 1390,83,70,439

(710,48,70,474) Loans&Advances (7218,81,99,997)

(438,61,21,510) Net Proceeds of Bonds and Debentures & other borrowings 5768,87,49,475

2364,20,28,167 Deposits received (676,60,82,486)

(1008,76,01,747) (1079,96,70,472)

996,94,89,742 1021,15,71,172

(580,71,27,230) PaymentofTax (447,40,86,098) (447,40,86,098)

416,23,62,512 Net Cash flow from operating Activities 573,74,85,074

2. Cash Flow from Investing Activities

(10,04,30,449) Net(Purchase)/Saleoffixedassets (8,17,68,805)

(125,62,63,862) Net(Purchase)/sale/redemptionofInvestments (39,88,64,098)

23,47,79,638 Dividend Received on Investments 17,27,26,300

(112,19,14,673) Net cash used in Investing Activities (30,79,06,603)

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIACash Flow Statement for the year ended March 31, 2014

Cash Flow Statement for the year ended March 31, 2014 (`)


81


3. Cash flow from Financing Activities

(130,14,20,053) Dividend on Equity Shares & tax on Dividend (130,98,21,008)

(130,14,20,053) Net cash used in Financing Activities (130,98,21,008)

173,90,27,786 4. Net increase/(decrease) in cash and cash equivalents 411,97,57,463

1341,84,42,552 5. Cash and Cash Equivalents at the beginning of the period 1515,74,70,338

1515,74,70,338 6. Cash and Cash Equivalents at the end of the period 1927,72,27,801

Note:CashFlowstatementhasbeenpreparedaspertheIndirectMethodprescribedinAS-3(Revised)‘CashFlowStatement’issued by the Institute of Chartered Accountants of India (ICAI)

SignificantAccountingPolicies XV

Notes to Accounts XVI

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIACash Flow Statement for the year ended March 31, 2014

(`)





82

Independent Auditors’ Report

ToThe Board of DirectorsSmall Industries Development Bank of India

Report on the Financial Statements

We have audited the accompanying consolidated Financial Statement of Small Industries Development Bank of India (the Bank) and its subsidiaries and associates (the Bank, its subsidiaries and associates constitute “the Group”) which comprises the consolidated BalanceSheetasatMarch31,2014,andtheconsolidatedStatementofProfit&LossandconsolidatedCashFlowStatementfortheyearthenendedandasummaryofsignificantaccountingpoliciesandotherexplanatoryinformation.

Management Responsibility for the Consolidated Financial Statements

Management is responsible for the preparation of these consolidated financial statements on the basis of separate financialstatements and other financial information regarding components that give a true and fair view of the consolidated financialposition,consolidatedfinancialperformanceandconsolidatedcashflowsoftheGroupinaccordancewiththeaccountingprinciplesgenerally accepted in India; this includes the design, implementation and maintenance of internal control relevant to the preparation andpresentationoftheconsolidatedfinancialstatementsthatgiveatrueandfairviewandarefreefrommaterialmisstatement,whether due to fraud or error.

Auditor’s Responsibility

Ourresponsibilityistoexpressanopiniononthesefinancialstatementsbasedonouraudit.WeconductedourauditinaccordancewiththeStandardsonAuditingissuedbytheInstituteofCharteredAccountantsofIndia.ThoseStandardsrequirethatwecomplywithethicalrequirementsandplanandperformtheaudittoobtainreasonableassuranceaboutwhetherthefinancialstatementsare free from material misstatements.

Anauditinvolvesperformingprocedurestoobtainauditevidenceabouttheamountsanddisclosuresintheconsolidatedfinancialstatements.Theproceduresselecteddependontheauditor’sjudgment,includingtheassessmentoftherisksofmaterialmisstatementoftheconsolidatedfinancialstatements,whetherduetofraudorerror.Inmakingthoseriskassessments,theauditorconsidersinternalcontrolrelevanttotheBank’spreparationandfairpresentationoftheconsolidatedfinancialstatementsinordertodesignauditproceduresthatareappropriateinthecircumstances,butnotforthepurposeofexpressinganopinionontheeffectivenessof the Company’s internal control. An audit also include evaluating the appropriateness of the accounting policies used and the reasonableness of the accounting estimates made by management as well as evaluating the overall presentation of the consolidated financialstatements.

Webelievethattheauditevidencewehaveobtainedissufficientandappropriatetoprovideabasisforourauditopinion.

Opinion

We report that the consolidated financial statements have been prepared by the Bank’sManagement in accordance with therequirements of Accounting Standards (AS) 21, “Consolidated Financial Statements”, Accounting Standards (AS) 23, “Accounting forInvestmentsinAssociatesinConsolidatedFinancialStatements”asnotifiedpursuanttotheCompanies(AccountingStandards)Rules,2006andonthebasisoftheseparatefinancialstatementsofSmallIndustriesDevelopmentBankofIndia,itssubsidiariesandassociates.

In our opinion and to the best of our information and according to the explanations given to us and on consideration of the report of the other auditor on separate financial statements and on other financial information of the subsidiaries and associates, asmentionedin“OtherMatter”paragraphbelow,theConsolidatedFinancialStatementsgiveatrueandfairviewinconformitywiththe accounting principles generally accepted in India : i) InthecaseoftheConsolidatedBalanceSheet,ofthestateofaffairsoftheGroupasat31st March 2014, ii) InthecaseoftheConsolidatedStatementofProfit&LossAccount,oftheprofitsoftheGroupfortheyearendedonthat

date, iii) InthecaseofConsolidatedCashFlowStatement,ofthecashflowsoftheGroupfortheyearendedonthatdate.



83


Emphasis of the Matter

Wedrawattentionto:

a) Notenos4Band4DofAnnexureItoConsolidatedAccountswithregardtonon-consolidationof7associateswhereinasper the management the carrying amount of the investments are not realizable and are fully provided for.

b) Notenos4Cand4DofAnnexure1toConsolidatedAccountswithregardtonon-consolidationof8associates,asinviewofthemanagementthesearenotsignificantcomponentsandhencenotconsideredforconsolidation.

Our opinion is not qualified in respect of this matter

Other Matters

Wedidnotauditthefinancialstatementsofthe2subsidiaries,whosefinancialstatementsreflecttotalassetsof`36,19,31,173/-,asatMarch 31, 2014, total revenue of `17,09,23,989/-andnetcashoutflowsamountingto`2,20,38,113/-fortheyearthenended.Wealsodidnotauditthefinancialstatementsofthe1associateinwhoseaggregateshareofnetprofitamountingto`17,80,762/-arealsoincludedintheconsolidatedfinancialstatements.Thesefinancialstatementsandotherfinancialinformationhavebeenauditedbyother auditor whose report has been furnished to us by the Management, and our opinion is based solely on the report of the other auditor.

Wehavereliedontheunauditedfinancialstatementsandotherfinancialinformationfurnishedbythemanagementwithrespectto3associatesinwhoseaggregateshareofnetprofitamountingto`1,73,98,362/-arealsoincludedintheconsolidatedfinancialstatements.Weareunabletocommentuponresultantimpact,ifany,ontheGroup’sshareofprofitasatMarch31,2014,hadtheassociates been audited.

Ouropinionisnotqualifiedinrespectofthismatter.

For Haribhakti & CoChartered AccountantsFirm Registration No : 103523W

Rakesh RathiPartnerM.No : 45228

Place : MumbaiDate : May 23, 2014


84

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAConsolidated Balance Sheet as at March 31, 2014

Appendix - IIConsolidated Balance Sheet as at March 31,2014

(`)

CAPITAL AND LIABILITIES SCHEDULES March 31, 2014 March 31, 2013

Capital I 450,00,00,000 450,00,00,000

Reserves, Surplus and Funds II 8090,14,30,165 7096,41,96,768

Deposits III 17428,26,37,419 18104,87,19,905

Borrowings IV 35618,03,16,387 29849,15,66,912

OtherLiabilitiesandProvisions V 6273,59,98,347 6275,11,03,349

DeferredTaxLiability - 117,02,71,145

Total 67860,03,82,318 61892,58,58,079

ASSETS

Cash and Bank Balances VI 1943,69,97,167 1529,52,01,591

Investments VII 2977,89,89,991 2892,19,42,808

Loans&Advances VIII 61270,69,95,084 56059,75,73,832

Fixed Assets IX 194,76,96,169 198,48,27,654

Other Assets X 1472,97,03,907 1212,63,12,194

Total 67860,03,82,318 61892,58,58,079

ContingentLiabilities XI 6519,35,87,953 5286,06,02,658

SignificantAccountingPoliciesandNotestoAccounts(AnnexureI)TheSchedulesreferredtoaboveformanintegralpartoftheBalanceSheet.





85

INCOME SCHEDULES March 31, 2014 March 31, 2013

Interest and Discount XII 5620,08,21,584 5135,32,01,460

Other Income XIII 200,43,31,887 277,44,49,796

Total 5820,51,53,471 5412,76,51,256

EXPENDITURE

Interest & Financial charges 3337,09,12,099 3038,90,95,335

Operating Expenses XIV 314,50,24,235 327,35,08,578

Provisions & Contingencies 622,34,50,042 843,57,81,390

Total 4273,93,86,376 4209,83,85,303

Profit before Tax 1546,57,67,095 1202,92,65,953

ProvisionforIncomeTax 605,89,83,886 383,10,75,132

DeferredTaxAdjustment[(Asset)/Liability] (181,05,81,963) (20,75,85,928)

Shareofearning/(loss)inassociates 1,91,79,124 65,25,081

ProfitafterTax 1123,65,44,296 841,23,01,830

Profitbroughtforward 47,01,05,408 38,51,63,808

Total Profit / (Loss) 1170,66,49,704 879,74,65,638

Appropriations

TransfertoGeneralReserve 935,66,00,000 540,65,00,000

TransfertoSpecialreserveu/s36(1)(viii)ofTheIncomeTaxAct,1961 80,00,00,000 80,00,00,000

Others

TransfertoInvestmentFluctuationReserve (32,18,01,399) 78,82,93,354

TransfertoStaffWelfareFund 1,00,00,000 1,00,00,000

Dividend on Shares 112,50,00,000 112,50,00,000

TaxonDividend 19,75,66,875 19,75,66,875

SurplusinProfit&Lossaccountcarriedforward 53,92,84,228 47,01,05,408

Total 1170,66,49,704 879,74,65,638

Basic/DilutedEarningPerShare 24.97 18.69 SignificantAccountingPoliciesandNotestoAccounts(AnnexureI)TheSchedulesreferredtoaboveformanintegralpartoftheProfit&LossAccount.




SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAConsolidatedProfit&LossAccountfortheyearendedMarch31,2014

Consolidated Profit & Loss Account for the year ended March 31, 2014 (`)


86

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIASchedules to Consolidated Balance Sheet as at March 31, 2014

(`)

CAPITAL AND LIABILITIES March 31, 2014 March 31, 2013

SCHEDULE I:

Capital

(a) Authorized Capital

-EquityShareCapital(75,00,00,000EquitySharesof`10/-each) 750,00,00,000 750,00,00,000

-Preference Share Capital (25,00,00,000 Redeemable Preference Shares of ` 10/- each) 250,00,00,000 250,00,00,000

(b) Issued, Subscribed and Paid-up Capital :

-EquityShareCapital(45,00,00,000EquitySharesof`10/-each) 450,00,00,000 450,00,00,000

-PreferenceShareCapital - -

Total 450,00,00,000 450,00,00,000

SCHEDULE II:

Reserves, Surplus and Funds

A) Reserves

i) General Reserve

-OpeningBalance 5532,52,13,526 4992,45,62,762

-Additionsduringtheyear 935,65,59,667 540,06,50,764

-Utilisationsduringtheyear - -

- Closing Balance 6468,17,73,193 5532,52,13,526

ii) Specific Reserves

a) Investment Reserve

-OpeningBalance 55,19,63,645 55,19,63,645

-Additionsduringtheyear - -


- Closing Balance 55,19,63,645 55,19,63,645

b) Special Reserve created and maintained u/s 36 (1) (viii) of The Income Tax Act, 1961

-OpeningBalance 1117,00,00,000 1037,00,00,000

-Additionsduringtheyear 80,00,00,000 80,00,00,000


- Closing Balance 1197,00,00,000 1117,00,00,000

c) Other Reserves

i) Investment Fluctuation Reserve

-OpeningBalance 78,82,93,354 -

-Additionsduringtheyear - 78,82,93,354

-Utilisationsduringtheyear 32,18,01,399 -

- Closing Balance 46,64,91,955 78,82,93,354

B) Surplus in Profit and Loss account 53,92,84,228 47,01,05,408


87


(`)

C) Funds March 31, 2014 March 31, 2013 a) National Equity Fund -OpeningBalance 243,22,48,570 222,39,66,690 -Additions/Writebackduringtheyear 3,88,71,453 20,82,81,880 -Utilisationsduringtheyear - - - Closing Balance 247,11,20,023 243,22,48,570 b) Staff Welfare Fund -OpeningBalance 22,63,72,265 22,80,55,066 -Additionsduringtheyear 1,00,00,000 1,00,00,000 -Utilisationsduringtheyear 1,55,75,145 1,16,82,801 - Closing Balance 22,07,97,120 22,63,72,265 c) Others - - Total 8090,14,30,165 7096,41,96,768

SCHEDULE IIIDeposits A) Fixed Deposits 928,26,37,419 2604,86,19,905 B) From Banks a)UnderMSMERefinanceFund 15000,00,00,000 14000,01,00,000

b) Under MSME Risk Capital Fund 1000,00,00,000 1000,00,00,000

c)Others-FromForeign&PrivateSectorBanks 500,00,00,000 500,00,00,000 Subtotal (B) 16500,00,00,000 15500,01,00,000 Total 17428,26,37,419 18104,87,19,905

SCHEDULE IVBORROWINGSI) Borrowings in India 1. From Reserve Bank of India 5000,00,00,000 - 2. From Government of India (including Bonds subscribed by GOI of `2172.80 crore)

3161,79,92,413 3137,79,96,461

3. Bonds & Debentures 13066,60,00,000 11871,60,00,000

4. From Other Sources -CommercialPaper 3650,00,00,000 625,00,00,000 -CertificateofDeposits - - -TermLoansfromBanks 905,17,89,999 5638,96,39,669 -TermMoneyBorrowings - - -Others 49,93,25,568 -Subtotal (I) 25833,51,07,980 21273,36,36,130 II) Borrowings outside India (a) KFW, Germany 1314,99,52,598 1041,42,91,583 (b) Japan International Cooperation Agency (JICA) 4277,84,46,222 4210,88,01,924 (c) IFAD, Rome 128,37,60,894 120,82,06,342 (d) World Bank 3503,91,84,661 2856,98,98,451 (e) Others 559,38,64,032 345,67,32,482 Subtotal (II) 9784,52,08,407 8575,79,30,782 Total (I & II) 35618,03,16,387 29849,15,66,912


88


(`)

SCHEDULE V March 31, 2014 March 31, 2013Other Liabilities and Provisions:

Interest Accrued 362,34,55,627 518,27,52,253 Others (including provisions) 4180,50,32,807 4112,25,00,931 Provisions for Exchange Rate Fluctuation 1283,11,87,410 1247,01,13,635 Contingent provisions against standard assets 315,37,55,628 265,31,69,655 Proposed Dividend (including tax on dividend) 132,25,66,875 132,25,66,875 Total 6273,59,98,347 6275,11,03,349

ASSETSSCHEDULE VICash & Bank Balances 1. Cash in Hand & Balances with Reserve Bank of India 7,06,969 5,86,438 2. Balances with Other Banks - - (a) In India i) in current accounts 36,70,55,087 25,45,43,513 ii) in other deposit accounts 363,42,95,947 113,76,81,176 (b) Outside India i) in current accounts 8,63,47,523 1,00,00,675 ii) in other deposit accounts 1534,85,91,641 1389,23,89,789 Total 1943,69,97,167 1529,52,01,591

SCHEDULE VIIInvestments[net of provisions] A) Treasury operations 1. Securities of Central and State Governments 378,83,78,095 276,73,22,178 2. Shares of Banks & Financial Institutions 23,95,12,137 24,03,41,237 3. Bonds & Debentures of Banks & Financial Institutions 556,38,92,000 623,38,92,000 4. Stocks, Shares, bonds & Debentures of Industrial Concerns 250,24,16,342 253,01,08,526 5. ShortTermBillsRediscountingScheme - - 6. Others 825,44,66,583 784,71,38,259 Subtotal (A) 2034,86,65,157 1961,88,02,200 B) Business Operations 1. Shares of Banks & Financial Institutions 62,56,61,440 62,56,61,440 2. Bonds & Debentures of Banks & Financial Institutions 5,26,77,321 5,26,77,317 3. Stocks, Shares, bonds & Debentures of Industrial Concerns 607,02,49,879 631,94,46,870 4. Investment in Subsidiaries - - 5. Others 268,17,36,194 230,53,54,981 Subtotal (B) 943,03,24,834 930,31,40,608 Total (A+B) 2977,89,89,991 2892,19,42,808


89


(`)

SCHEDULE VIII March 31, 2014 March 31, 2013Loans & Advances [Net of Provisions] A) Refinance to -BanksandFinancialInstitutions 40383,09,61,127 37193,36,56,036 -MicroFinanceInstitutions 1169,52,05,368 1132,48,81,543 -NBFC 4749,13,22,100 5468,77,05,100 -BillsRediscounted 2956,00,00,000 - -Others(ResourceSupport) - -Subtotal (A) 49257,74,88,595 43794,62,42,679

B) Direct Loans -LoansandAdvances 9144,11,95,442 8021,15,56,128 -ReceivableFinanceScheme 2841,83,77,451 4166,07,07,253 -BillsDiscounted 26,99,33,596 77,90,67,772 Subtotal (B) 12012,95,06,489 12265,13,31,153 Total (A+B) 61270,69,95,084 56059,75,73,832

SCHEDULE IXFixed Assets[Net of Depreciation] 1. Premises 192,70,47,584 196,70,03,881 2. Others 2,06,48,585 1,78,23,773 Total 194,76,96,169 198,48,27,654

SCHEDULE XOther Assets:Accrued Interest 705,16,93,538 539,41,84,988 AdvanceTax(Netofprovision) 103,40,26,063 259,68,97,059 Others(IncludesDeferredTaxAssetsof`64,03,10,817) 543,26,26,142 300,90,29,641 Expendituretotheextentnotwrittenoff 121,13,58,164 112,62,00,506

Total 1472,97,03,907 1212,63,12,194

SCHEDULE XIContingent Liabilities i) Claims against the Bank not acknowledged as debts 135,28,35,372 94,34,05,384

ii) OnaccountofGuarantees/LettersofCredit 337,45,25,203 142,36,70,719

iii) On account of Forward Contracts 52,69,03,816 9,59,10,287

iv) On account of Underwriting Commitments - -

v) On account of uncalled monies on partly paid shares, debentures - -

vi) Other items for which the Bank is contingently liable 5993,93,23,562 5039,76,16,268

Total 6519,35,87,953 5286,06,02,658


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SMALL INDUSTRIES DEVELOPMENT BANk OF INDIASchedulestoConsolidatedProfit&LossAccountfortheyearendedMarch31,2014

(`)

SCHEDULE XII March 31, 2014 March 31, 2013

Interest and Discount

1. InterestandDiscountonLoans,AdvancesandBills 5383,48,58,138 4624,83,61,648

2. IncomeonInvestments/Bankbalances 236,59,63,446 510,48,39,812

Total 5620,08,21,584 5135,32,01,460

SCHEDULE XIII

Other Income:

1. Upfront and Processing Fees 52,74,42,851 36,71,38,725

2. Commission and Brokerage 2,09,46,605 2,36,29,982

3. ProfitonsaleofInvestments 80,65,45,243 104,58,78,339

4. Incomeearnedbywayofdividendsetc.fromSubsidiaries/Associates - -

5. ProvisionofEarlierYearswrittenBack - -

6. Others 64,93,97,188 133,78,02,750

Total 200,43,31,887 277,44,49,796

SCHEDULE XIV

Operating Expenses:

Payments to and provisions for employees 194,02,81,544 227,34,05,560

Rent,TaxesandLighting 17,55,86,600 22,66,60,384

Printing & Stationery 96,47,881 96,15,216

Advertisement and Publicity 2,78,41,993 2,77,90,920

Depreciation/AmortisationonBank’sProperty 11,89,37,818 12,95,25,576

Directors’ fees allowances and expenses 49,04,019 46,61,771

Auditor’s Fees 45,60,761 33,48,265

LawCharges 1,40,64,035 1,06,97,056

Postage,Courier,Telephonesetc 37,56,065 35,77,639

Repairs and maintenance 9,74,36,363 6,95,86,796

Insurance 47,01,355 54,47,114

ContributiontoCGTMSE 18,74,75,000 7,77,50,000

Other Expenditure 55,58,30,801 43,14,42,281

Total 314,50,24,235 327,35,08,578


91


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Additional Notes to Consolidated Accounts

Annexure - I - Significant Accounting Policies

1 AllthesignificantaccountingpoliciesasmentionedinScheduleXVofthestandalonefinancialstatementshavealsobeenfollowedinthepreparationofconsolidatedfinancialstatements.

2 ThefinancialstatementsoftheBankanditssubsidiarycompaniesarecombinedonalinetolinebasisbyaddingtogetherthebookvaluesoflikeitemsofAssets,Liabilities,IncomeandExpensesafterfullyeliminatingintragroupbalancesandintergrouptransactionsinaccordancewithAS-21”ConsolidatedFinancialStatements”.TheAssociatesareaccountedforusingtheequitymethodasprescribedbyAS-23“AccountingforInvestmentsinAssociatesinConsolidatedFinancialStatements”.

3 DetailsofSubsidiariesincludedinconsolidatedfinancialstatementsare:

Sr.No. Name of the subsidiary Country of Incorporation Proportion of ownership Profit/Loss

1 SIDBIVentureCapitalLtd. India 100% 6,59,78,879

2 SIDBITrusteeCompanyLtd. India 100% 61,68,392

Total 7,21,47,271

Financial statements of the subsidiaries are audited

4.A DetailsofAssociatesincludedinconsolidatedfinancialstatementsareasfollows:

Sr.No. Name of the Associate (%) Holding Description Investment Share of Profit/(loss)

Share in reserves *

1 SMERA 34.29 CreditRatingAgencyforSME's 5,10,00,000 96,46,047 (18,61,115)

2 ISTSL 22.73 TechnologySupporttoSME's 1,00,00,000 2,79,287 20,89,103

3 ISARC 26.00 ** Asset Reconstruction Company 26,00,00,000 74,73,028 1,50,28,357

4 DFC 23.92 State Financial Corporation 3,13,87,500 17,80,762 11,09,06,260

Total 35,23,87,500 1,91,79,124 12,61,62,605

* Included in Reserve Fund of `64,68,17,73,193/-(`55,32,52,13,526/-)inScheduleIIA(i)oftheConsolidatedBalancesheet.**includes11%holdingbySVCL(100%subsidiaryofSIDBI).

B Theresultsofthefollowingassociatesarenotincludedintheconsolidatedfinancialstatements.However,fullprovisionhasbeenmadeinthefinancialstatementsforshareofthelosses.

Sr.No. Name of the Associate (%) Holding Description Investment Share of profit/(loss)

1 BSFC 48.43 State Financial Corporation 18,84,88,500 (18,84,88,500)

2 GSFC 28.42 State Financial Corporation 12,66,00,000 (12,66,00,000)

3 JKSFC 23.00 State Financial Corporation 10,46,20,000 (10,46,20,000)

4 MSFC 39.99 State Financial Corporation 12,52,41,750 (12,52,41,750)

5 PFC 25.92 State Financial Corporation 5,23,51,850 (5,23,51,850)

6 UPSFC 24.18 State Financial Corporation 21,67,59,000 (21,67,59,000)

Total 81,40,61,100 (81,40,61,100)

C In case of following entities, though the bank holds more than 20% of voting power, they are not treated as investment inassociateunderAS23‘AccountingforInvestmentinAssociatesinConsolidatedFinancialStatements’,becausetheyare not considered as material investments requiring consolidation.


92


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Sr. No. Name of the Associate (%) Holding Description Investment 1 APITCOLtd. 41.29 TechnicalConsultancyOrganisation 54,70,975

2 KITCOLtd. 49.77 TechnicalConsultancyOrganisation 24,95,2963 NorthEasternIndustrialConsultantsLtd. 20.78 TechnicalConsultancyOrganisation 13,4744 NorthEasternIndustrialandTechnical

ConsultancyOrganisationLtd.43.44 TechnicalConsultancyOrganisation 1

5 OrissaIndustrialandTechnicalConsultancyOrganisationLtd.

49.42 TechnicalConsultancyOrganisation 1

6 U.PIndustrialConsultantsLtd. 48.99 TechnicalConsultancyOrganisation 15,33,472

7 WestBengalConsultancyOrganisationLtd. 21.67 TechnicalConsultancyOrganisation 4,86,783Total 1,00,00,002

D Financial statements of the associates other than State Financial Corporations (SFC) mentioned in 4A and 4B are unaudited for theyearendedMarch31,2014.ThefiguresforSFC’sotherthanUPSFCarebasedonauditedresultsfortheyearendedMarch31,2013. In respect of UPSFC, provisional results are available for the year ended March 31,2012.TheBankhasnotincurredanyobligationormadepaymentonbehalfofassociatesmentionedin4Band4Caboveorotherwiseprovided guarantee or commitment for the losses made by the associates in excess of its investment value in the associates.

5 Detailsofsignificanttransactionswithassociatesareasunder:

Sr.No. Name of the Associate Particulars Disbursements Repayments1 DFC Refinanceassistance - 26,10,00,0322 PFC Refinanceassistance - 10,11,00,0003 RFC Refinanceassistance - 40,00,00,000

6 AsagainstdepreciationpolicyofSIDBIwherebyassetsaredepreciatedonSLM/WDVatpre-determinedrates,thesubsidiariesandassociatescomputedepreciationonWDVbasisasperScheduleXIVof theCompaniesAct,1956.Thusoutof the totaldepreciation of `11,89,37,818/-(`12,95,25,576/-)includedinConsolidatedFinancialStatements,0.56%(0.58%)oftheamountisdetermined based on Depreciation provided as per the Companies Act, 1956.

7 AsallsharesofthesubsidiariesareownedbySIDBIdirectlyorindirectly,noseparatedisclosurerelatingtominorityinterestisreflected.

8 AggregateremunerationpaidtowholetimedirectorofSVCLis`45,72,020/-PreviousYear(`45,49,352/-).

9 Earning Per Share (EPS): March 31, 2014 (`) March 31, 2013 (`)NetProfitconsideredforEPScalculation 1123,65,44,296 841,23,01,830

Number of equity shares of face value `10 each 45,00,00,000 45,00,00,000

Earning per share 24.97 18.69 10 Contingent Liabilities

SVCLhasdisputedliabilitytowardsmunicipaltaxes,theamountofwhichcannotbedetermined.11 Additionalstatutoryinformationdisclosedinseparatefinancialstatementsoftheparentandthesubsidiarieshavenobearing

on the true and fair view of the Consolidated Financial Statments and also the information pertaining to the items which are notmaterialhavenotbeendisclosedintheConsolidatedFinancialStatementsinviewofthegeneralclarificationissuedbytheInstitute of Chartered Accountants of India (ICAI).


ForHARIBHAKTI&CO. U.J.Lalwani N.Raman N.K.MainiCharteredAccountants CountryHead ExecutiveDirector DeputyManagingDirector-InchargeFRN : 103523W (Corporate Accounts Vertical)

Rakesh RathiPartnerM.No : 045228 Anil Agrawal B. Manivannan Director Director Mumbai May 23, 2014


93


1. Cash Flow from Operating Activities

1202,92,65,953 NetProfitbeforetaxasperConsolidatedP&LAccount 1546,57,38,030

Adjustmentsfor:

12,95,25,576 Depreciation 11,89,08,228

80,57,41,833 Provision for net depreciation in investments 41,97,88,782

844,24,96,305 Provisions made (net of write back) 605,74,88,779

(104,58,78,339) Profitonsaleofinvestments(net) (80,65,45,244)

(21,27,13,489) Dividend/InterestReceivedonInvestments (14,61,15,075) 564,35,25,470

2014,84,37,839 Cash generated from operations 2110,92,63,500

(PriortochangesinoperatingAssetsandLiabilities)

Adjustmentsfornetchangesin:

309,10,31,943 Current assets (348,86,52,588)

(923,44,76,542) Current liabilities 4,94,25,898

(1609,71,55,388) Bills of Exchange 1390,83,70,439

(710,48,70,474) Loans&Advances (7218,81,99,997)

(438,61,21,510) Net Proceeds of Bonds and Debentures & other borrowings 5768,87,49,475

2370,67,21,167 Deposits received (676,60,82,486)

(1002,48,70,804) (1079,63,89,259)

1012,35,67,035 1031,28,74,241

(584,23,30,850) PaymentofTax (450,94,76,246)

428,12,36,185 Net Cash flow from operating Activities 580,33,97,995

2. Cash Flow from Investing Activities

(10,13,20,471) Net(Purchase)/Saleoffixedassets (8,18,06,334)

(128,88,32,469) Net(Purchase)/sale/redemptionofInvestments (40,98,87,299)

21,21,15,263 Dividend/InterestReceivedonInvestments 14,62,85,346

(117,80,37,677) Net cash used in Investing Activities (34,54,08,287)

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAConsolidated Cash Flow Statement for the year ended March 31, 2014

Cash Flow Statement for the year ended March 31, 2014 (`)


94

SMALL INDUSTRIES DEVELOPMENT BANk OF INDIAConsolidated Cash Flow Statement for the year ended March 31, 2014

(`)


3. Cash flow from Financing Activities

(130,75,03,493) Dividend on Equity Shares & tax on Dividend (131,61,94,132)

(130,75,03,493) Net cash used in Financing Activities (131,61,94,132)

179,56,95,015 4. Net increase/(decrease) in cash and cash equivalents 414,17,95,576

1349,95,06,576 5. Cash and Cash Equivalents at the beginning of the period 1529,52,01,591

1529,52,01,591 6. Cash and Cash Equivalents at the end of the period 1943,69,97,167

Note:CashFlowstatementhasbeenpreparedaspertheIndirectMethodprescribedinAS-3(Revised)‘CashFlowStatement’issued by the Institute of Chartered Accountants of India (ICAI)

SignificantAccountingPoliciesandNotestoAccounts(AnnexureI)


ForHARIBHAKTI&CO. U.J.Lalwani N.Raman N.K.MainiCharteredAccountants CountryHead ExecutiveDirector DeputyManagingDirector-InchargeFRN : 103523W (Corporate Accounts Vertical)

Rakesh RathiPartnerM.No : 045228 Anil Agrawal B. Manivannan Director Director Mumbai May 23, 2014

0

10000

20000

30000

40000

50000

60000

70000

1991

Portfolio Size

2011 2012 2013 2014

` Crore

5177

46054

5378556060

61271

As at March 31

Net Worth

0

1000

2000

3000

4000

5000

6000

7000

8000

9000

` Crore

1991 2011 2012 2013 2014

As at March 31

480

59796399

7046

7991

Standard Assets & Net NPAs

Percent

As at March 31

Income & Profit

During the year ended March 31

Income Profit

0

1000

2000

3000

4000

5000

6000

7000

1991 2011 2012 2013 2014

` Crore

425

3867

4607

54015808

36

514 567837

1118

0

20

40

60

80

100

Standard Assets Net NPAs

2011 2012 2013 2014

99.72 99.66 99.47 99.55

0.28 0.34 0.53 0.45

Highlights SIDBI BRANCH NETWORKHead Office : SIDBI Tower, 15, Ashok Marg, Lucknow – 226001, Uttar Pradesh, India

Tel. : 0522-2288546-50 Fax : 0522-2288455-59 Telegram : LAGHUVIKAS

Regional Office Branch Name

Ahmedabad Ahmedabad, Baroda, Gandhidham, Jamnagar, Morbi,

Rajkot, Surat, Vatva

Bangalore Bangalore, Hosur, Hubli, Mysore, Peenya

Chandigarh Chandigarh, Jalandhar, Jammu, Ludhiana, Shimla

Chennai Ambattur, Chennai, Puducherry

Coimbatore Coimbatore, Erode, Kochi, Madurai, Tirupur, Trichy

Faridabad Faridabad, Gurgaon

Guwahati Agartala, Aizawl, Dimapur, Gangtok, Guwahati, Imphal,

Itanagar, Shillong

Hyderabad Balanagar, Hyderabad, Rajahmundry, Vijayawada,

Visakhapatnam

Indore Bhopal, Bilaspur, Indore, Nagpur, Raipur

Jaipur Alwar, Jaipur, Jodhpur, Kishengarh, Udaipur

Kolkata Bhubaneshwar, Jamshedpur, Kolkata, Patna, Ranchi,

Rourkela

Lucknow Agra, Kanpur, Lucknow, Varanasi

Mumbai Andheri, BKC, Mumbai Metro, Panaji, Thane

New Delhi Bahadurgarh, Dehradun, Ghaziabad, Greater Noida,

Kundli, New Delhi, Noida, Okhla, Rudrapur

Pune Ahmednagar, Aurangabad, Chinchwad, Kolhapur,

Nasik, Pune

www.sidbi.in ANNUAL REPORT 2013 - 2014


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