INSIDE PAGE FINAL-23-10-2017 Hindi 1

Hkkjr esa vkokl dh izo`fÙk ,oa izxfr fjiksVZ

2016

01

jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

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varj.k i=jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

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Hkkjr esa vkokl dh ço`fÙk ,oa çxfr fjiksVZ 2016

fo"k; lwph

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fo"k; lwph

fooj.k i`"B la-

1-1 vkoklh; ra=&,d n`f"Vdks.k 09

1-2 oSf’od vkfFkZd ifjn`’; 10

1-3 Hkkjrh; vFkZO;oLFkk ,oa vkokl dk fogaxkoyksdu 13

1-4 jk"Vªh; vkokl cSad dh Hkwfedk 15

2-1 vkokl izsjd ds :i esa 19

2-2 Hkkjr esa vkokl laca/kh igysa 19

2-3 foÙkh; lq/kkj 37

2-4 fof/kd lq/kkj 39

2-5 Hkw lEink ¼fofu;e ,oa fodkl½ vf/kfu;e] 2016 vkSj izHkkfor {ks= 40

3-1 vkokl foRr esa izkFkfed _.knkrk laLFkku 43

3-2 oS;fäd vkokl _.k ij lkoZtfud {ks= ds cSadksa ¼ih,lch½ dh dk;Z&fu"ikndrk 47

3-3 vkokl foÙk daifu;ka ,oa mudk dkjksckj 49

3-4 vkokl foRr esa vU; i{k 61

4-1 i`"BHkwfe 66

4-2 o"kZ 2022 rd lcds fy, vkokl 66

rkfydk la- 1-1% foxr rhu o"kksZa esa laLFkku&okj iqufoZÙk laforj.k 16

rkfydk la- 2-1 % xzkeh.k {ks=ksa esa vkoklksa dh deh ds fofHkUu dkj.k 20

rkfydk la- 2-2 % 'kgjh {ks=ksa esa vkokl dh deh ds dkj.k 23

rkfydk la- 2-3 % lh,y,l,l ds rgr bZMCY;w,l@,yvkbZth Jsf.k;ksa ds ykHkkfFkZ;ksa ij ykxw ekunaM 25

rkfydk la- 3-1 % lkoZtfud {ks= ds cSadksa ¼ih,lch½ ds oS;fäd vkokl _.kksa dh dk;Z&fu"ikndrk 47

rkfydk la- 3-2 % vkokl foÙk daifu;ksa ds eq[; foÙkh; ladsrd 51

rkfydk la- 3-3 % vk-fo-da- dh tek,a Lohdkj djus dh fLFkfr ds vk/kkj ij vk-fo-da- ds eq[; foRrh; ekinaM 52

v/;k; 1% n`f"Vdks.k ,oa uhfrxr ekgkSy

v/;k; 2% Hkkjr esa vkokl

v/;k; 3% izkFkfed _.knkrk laLFkkuksa }kjk vkokl foÙk dkjksckj

v/;k; 4% o"kZ 2022 rd lcds fy, vkokl

v/;k; 5% Hkkoh ifjn`’; 70

rkfydk


fooj.k i`"B la-

Rkkfydk 3-4 % vkokl foRr daifu;ksa dh m/kkj jkf'k;ksa dk la?kVu 54

rkfydk la- 3-5 % vkokl foÙk daifu;ksa ds cdk;k _.k ,oa vfxze rFkk fuos’k 56

rkfydk la- 3-6 % vkokl foÙk daifu;ksa ds dqy _.kksa ds lkFk vkokl _.kksa dh rqyuk 57

rkfydk la- 3-7 % vkokl foÙk daifu;ksa ds [kaM&okj oS;fäd vkokl _.k 57

rkfydk la- 3-8 % vk-fo-da- }kjk oS;fDrdksa dks u, ?kjksa ds vf/[email protected] gsrq vkokl _.kksa 59ds laforj.k dh rqyuk

rkfydk la- 3-9 % vk-fo-da- }kjk oS;fDrdksa dks mUu;u ¼eq[; ejEerksa lfgr½ gsrq vkokl _.kksa ds 59laforj.k dh rqyuk

rkfydk la- 3-10 % vk-fo-da- }kjk oS;fDrdksa dks iqjkus@ekStwnk ?kjksa ¼iqufoZØ;½ ds vf/kxzg.k 59gsrq vkokl _.kksa ds laforj.k dh rqyuk

rkfydk la- 3-11 % vk-fo-da- }kjk oS;fDrdksa dks vkokl _.kksa ds dqy laforj.k dh rqyuk 60

rkfydk la- 3-12 % vkokl _.kksa dk jkT;@dsUnz 'kkflr&okj laforj.k 60

rkfydk la- 3-13 % foxr rhu o"kksZa dh 'kh"kZ lgdkjh vkokl ifjla?kksa ¼lap;h½ ds m/kkj 61jkf’k;ksa] laLohd`fr;ksa ,oa laforj.kksa dh izo`fÙk

rkfydk la- 3-14 % foxr rhu o"kksZa ds laforfjr vkokl _.k ,oa ,lh,p,Q ¼jkT; okj½ }kjk 62fufeZr bdkbZ;ksa dh izo`fÙk

xzkQ 1-1 % laoguh;rk c<+kus ds rjhds 13

xzkQ 1-2 % lhvkjvkj] cSad nj] jsiks nj ,oa 10 o"kZ ds ljdkjh {ks= ds izfrQy esa izo`fÙk 14

xzkQ 1-3 % 30 twu] 2016 dks ;kstuk&okj iqufoZÙk laforj.k ¼izfr’kr esa½ 17

xzkQ 1-4 % 30 twu] 2016 dks vofèk&okj iqufoZÙk laforj.k ¼izfr’kr esa½ 17

xzkQ 1-5 % ifj;kstuk foÙk ds laforj.k esa izo`fÙk 17

xzkQ 3-1 % cSadksa ,oa vk-fo-da- ds vkokl _.k cdk;k 44

xzkQ 3-2 % cSadksa ,oa vk-fo-da- ds chp vkokl _.k cktkj va’k 45

xzkQ 3-3 % dyq [kk|rs j ikVs QZ kfs y;k s grs q vulq fw pr okf.kfT;d cdaS k as ¼,llhch½ vkjS 45vkokl foRr dia uh ¼vk-fo-d-a ½ dk vkokl iksVZQksfy;ks

xzkQ 3-4 % cSadksa vkSj vk-fo-daifu;ksa ds cdk;k vkokl _.kksa esa ço`fÙk 46

xzkQ 3-5 % ;Fkk 31-03-2016 dks 'kh"kZ lkoZtfud {ks= ds cSadksa ¼ih,lch½ ds oS;fäd vkokl _.k cdk;k ¼[kaM&okj½ 48

xzkQ 3-6 % lkoZtfud {ks= ds cSadksa ¼ih,lch½ dk [kaM&okj cdk;k oS;fäd vkokl _.k vkadM+s 49

xzkQ 3-7 % iathd`r vkokl foÙk daifu;ksa dk oxhZdj.k 49

xzkQ 3-8 % foxr 2 o"kksaZ eas iathd`r vk-fo-da- dh 'kk[kkvksa@dk;kZy;ksa dk jkT;@dsUn 'kkflr izns’k&okj forj.k 50

xzkQ 3-9% foxr rhu o"kksZa esa vk-fo-da- ds cdk;k lalkèkuksa dh izo`fÙk 53

xzkQ 3-10% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh vkdkj&okj izo`fÙk 54

la-

xzkQ



06


fooj.k i`"B la-

xzkQ 3-11% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh C;kt nj&okj izo`fÙk 55

xzkQ 3-12% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh ifjiDork izo`fÙk 55

xzkQ 3-13% foxr rhu o"kksZa esa vk-fo-da- ds cdk;k _.k ,oa vfxze rFkk fuos’k dh izo`fÙk 56

xzkQ 3-14% vk-fo-da- ds oS;fDrdksa gsrq vkokl _.kksa dh ifjiDork Lo:i&okj izo`fÙk 57

xzkQ 3-15% vk-fo-da- ds oS;fDrdksa gsrq vkokl _.kksa dh mÌs’;&okj izo`fÙk 58

xzkQ 3-16% vkokl _.kksa dh m/kkjdrkZ ds izdkj&okj laforj.k dh izo`fÙk 58

xzkQ 3-17% foÙkh; o"kZ 2015&16 ds nkSjku oS;fDrdksa dks vkokl _.kksa ds laforj.k dk jkT;&okj foHkktu 63

xzkQ 3-18% oS;fDrdksa gsrq cdk;k vkokl _.kksa dk jkT;&okj foHkktu 63

xzkQ 3-19% foÙkh; o"kZ 2015&16 ds nkSjku Hkou fuekZrkvksa dks vkokl _.kksa ds laforj.k dk jkT;&okj foHkktu 64

xzkQ 3-20% Hkou fuekZvksa gsrq cdk;k vkokl _.kksa dk jkT;&okj foHkktu 64

xzkQ 3-21% foÙkh; o"kZ 2015&16 ds nkSjku oS;fDrdksa dks u, ?kjksa ds vf/kxzg.k@ 65fuekZ.k gsrq vkokl _.kksa ds lafoj.k dk jkT;&okj foHkktu

xzkQ 4-1% ?kVd ftlds ek/;e ls ih,e,okbZ&’kgjh dk;kZfUor fd;k x;k gS 68

xzkQ 4-2% ;Fkk frfFk 31 fnlEcj] 2016 dk s ih,e,okb&Z lh,y,l,l d s rgr jkT;@dUs n z 'kkflr inz ’s k okj inz ’kuZ 69

xzkQ 5-1 % ^^o"kZ 2022 rd lcds fy, vkokl fe’ku** ds rgr u, ra= dk mn~Hko 71

ckWDl 1-1% oSf’od vkokl 10

ckWDl 1-2% oSf’od 'kgjhdj.k dh izo`fÙk 11

ckWDl 1-3% vkokl ds fy, fuos’k ,oa foÙkh; lgk;rk 14

ckWDl 1-4% vkokl {ks= ds fy, dsUnzh; ctV dh ?kks"k.kk,a 14

ckWDl 1-5% vkokl {ks= ds fy, uhfrxr <kapk ,oa foèkk;h leFkZu 14

ckWDl 1-6% vkokl ds fy, uoksUes"kh izkS|ksfxdh ,oa {kerk fuekZ.k esa lgk;rk 15

ckWDl 2-1% xqtjkr 27

ckWDl 2-2 % jktLFkku 29

ckWDl 2-3 % vksfM'kk 30

ckWDl 2-4 % egkjk"Vª 31

ckWDl 2-5 % if’pe caxky 32

ckWDl 2-6 % NÙkhlx<+ 34

ckWDl 2-7 % dukZVd 35

ckWDl 2-8 % e/; izns’k 36

ckWDl 2-9 % mÙkj izns’k 37

ckWDl 3-1 % vkokl foÙk daifu;ksa dk dk;Z&fu"iknu 50

ckWDl

fo"k; lwph

07


1 Hkkjr i;kZokl III jk"Vªh; fjiksVZ] 2016 vkokl ,oa 'kgjh xjhch mi’keu ea=ky;

vè;k;

1-1 vkoklh; ra=&,d n`f"Vdks.k

1 % n`f"Vdks.k ,oa uhfrxr ekgkSy

ekuuh; foÙk ea=h us vius dsUnzh; ctV Hkk"k.k 2015&16 esa Hkkjr ds gj ifjokj dks vn~n Nr dh igqap rd leFkZ cukus ds egRo dks js[kkafdr fd;k Fkk ,oa ̂ ^o"kZ 2022 rd lcds fy, vkokl** ds y{; ds izfr Hkkjr ljdkj dh izfrc)rk nksgjkbZ ftlds fy, Vhe bafM;k dks 'kgjh {ks=ksa esa 2 djksM+ vkokl ,oa xzkeh.k {ks=ksa esa 4 djksM+ vkoklksa dk fuekZ.k djus dh vko’;drk gksxhA

vkokl dh deh esa vlj Mkyus okys dqN egRoiw.kZ dkjdksa] eas vkokl fo’ks"k rkSj ij fdQk;rh vkokl ds fy, Hkwfe dh i;kZIr vkiwfrZ ,oa ekax ds vykok vkiwfrZ i{k ds o`gr Lrj ij fufèk;ksa dh nh?kkZofèk o vYi ykxr ds lzksrksa dh vuqiyCèkrk 'kkfey gSA vr% ,slh uhfr;ka ,oa dk;ZØe ftudk mn~ns’; lexz rjhds esa bu leL;kvksa dk fuokj.k djuk gS] ns’k ds fdQk;rh vkokl LVkWd esa mUu;u dh fn’kk esa O;kid izHkko MkysaxsA

dsUnzh; ctV esa dh xbZ gky dh uhfrxr ?kks"k.kkvksa ds vykok dsUnz ljdkj vFkok jkT; ljdkj@Hkkjrh; fjtoZ cSad@jk"Vªh; vkokl cSad }kjk 'kq: fd, x;s vU; fofu;ked ,oa foÙkh; igyksa dk mn~ns’; bl {ks= dks mPpre Lrj rd igq¡pkus ds fy, vko’;d izksRlkgu nsuk gSA izR;sd Hkkjrh; ifjokj dks iDdk vkokl miyCèk djkus dh lksp dks iwjk djus ds fy, ̂o"kZ 2022 rd lcds fy, vkokl fe’ku* dk 'kqHkkjaHk lfgr dbZ i.kèkkjd 'kkfey djuk ,oa fdQk;rh vkokl {ks= dks izHkkfor djus okys fofHkUu eqn~nksa dk fuokj.k djuk] tSls cgq&vk;keh n`f"Vdks.k viuk;s x;s gSaA

iqufoZÙk iznku djus okys laLFkku ,oa ^^izèkkuea=h vkokl ;kstuk ¼ih,e,okbZ½** ds rgr _.k lgc) lfClMh ;kstuk ¼lh,y,l,l½ ds dk;kZUo;u ds fy, dsUnzh; uksMy ,tsalh ds rkSj ij jk"Vªh; vkokl cSad ns’k esa vkokl foÙk dh miyCèkrk] vfHkxE;rk ,oa laoguh;rk lqfuf’pr djus esa egRoiw.kZ Hkwfedk fuHkk jgk gSA

1-1-1 vkokl dk O;fDr ,oa jk"Vª ij O;kid izHkko gksrk gS pwafd bldk vkfFkZd] lkekftd ,oa jktuhfrd ifjos’k ls xgjk lacaèk gksrk gSA foxr n’kd ds nkSjku izeq[k oSf’od ifjfLFkfr;ksa ls oSf’od vkfFkZd fodkl ij dkQh izHkko iM+k gSA blfy, tc Hkkjr esa vkokl dh fLFkfr dh tkap dh tk jgh gS rks oSf’od vFkZO;oLFkk ,oa vkokl ifjn`’; dks lanHkZ esa j[kuk vR;ar vko’;d gks tkrk gSA

1-1-2 vkokl {ks= us Hkkjr ds uhfr fuekZrkvksa dk è;ku viuh vksj vkdf"kZr fd;k gSA bls vf/kdkfjd ekU;rk nh x;h fd vkokl {ks= ds fodkl dk ns’k ds vkfFkZd fodkl ij lh/kk izHkko iM+rk gS] yksxksa dh lkekftd fLFkfr] lqj{kk ,oa laj{kk ds vuqlkj ;g etcwr lkekftd izHkko iSnk djrk gS] ns’k dh fodkl ;k=k esa ns’k dh vkcknh ds cM+s oxZ ds lekos’ku dks lqfoèkkijd cukrk gS ,oa blds vykok ;g xjhch mUewyu o ekuo

1fodkl lwpdkad esa lqèkkj ds izfr dkQh ;ksxnku nsrk gSA Hkw&laink ,oa vkokl esa fd;s x;s fuos’k dk 250 ls vfèkd vuq"kaxh m|ksxksa ij ;k rks izR;{k rkSj ij vFkok vizR;{k rkSj ij izHkko iM+rk gSA blds nwjxkeh izHkko dks ns[krs gq, vkokl {ks= esa fodkl lkekftd ,oa foÙkh; lekos’ku dks lqfoèkkijd cukrs gq, o dbZ yksxksa ds vk; Lrj esa lqèkkj ykrs gq, lexz fodkl dks c<+kok nsrh gSA Bhd blh rjg vkokl {ks= esa eanh lexz vkfFkZd fodkl dh j¶rkj de dj nsrk gSA

1-1-3 Hkkjr esa vkokl dh fLFkfr dks okLrfod :i ls le>us ds fy, mu pqukSfr;ksa dh lhek le>uk vR;ar vko’;d gks tkrk gS ftudk lkeuk ns’k dj jgk gSA vkokl dh c<rh ekax ds lkFk Hkkjr vkokl dh deh dk

09

vè;k; 1 % n`f"Vdks.k ,oa uhfrxr ekgkSyjk"Vªh; vkokl cSadNATIONAL HOUSING BANK

2 'kgjh vkokl dh deh ij rduhdh lewg dh fjiksVZ ¼Vhth&12½&¼o"kZ 2012&2017½3 ckjgoha iapo"khZ; ;kstuk ds fy, xzkeh.k vkokl ij dk;Zdkjh ny

lkeuk dj jgk gSA ns’k esa cnyrs lkekftd ,oa tulkaf[;dh Lo:i] lkaLd`frd o vkfFkZd fofoèkrk ,oa c<+rh vkcknh tSls dkjdksa us Hkkjr esa vkokl dh fLFkfr dks vkSj Hkh tfVy cuk fn;k gSA 'kgjhdj.k] ewy ifjokjksa dk ,dhdj.k] f’k{kk] vk; Lrj ,oa laoguh;rk bR;kfn us ns’k esa vkokl dh ekax dks vkSj Hkh c<+k fn;k gSA ckjgoha iapo"khZ; ;kstukofèk ¼o"kZ 2012&2017½ esa Hkkjr esa 'kgjh {ks=ksa ,o xzkeh.k {ks=ksa esa Øe’k% 1-88

2 3djksM+ ,oa 4-37 djksM+ vkokl bdkbZ;ksa dh deh dk vuqeku yxk;k x;k gSA a

1-1-4 Hkkjr ljdkj us Hkkjr dh Lora=rk dh 75oha o"kZxkaB ij izR;sd Hkkjrh; ifjokj dks vkokl ds LokfeRo dh lqfo/kk iznku djus ds fy, ̂o"kZ 2022 rd lcds fy, vkokl fe'ku* vkjaHk fd;k gSA vrhr esa Øexr ljdkjksa }kjk fd;s x;s fofHkUu mik;ksa us vkokl dh fLFkfr esa lqèkkj ykus ds vusd fØ;kdykiksa dks xfr iznku dh ysfdu vlyh pqukSfr;ka tks vkt Hkh ekStwn gSa muesa tehuh Lrj ij ;kstukvksa ds izHkkoh fu"iknu ds fy, lHkh iz;klksa ,oa lalkèkuksa dk ,dhdj.k 'kkfey gSA

oSf’od foÙkh; ladV ftlus o"kZ 2007&08 dh vofèk esa iwjs fo’o dks izHkkfor fd;k] dk fofHkUu ns’kksa dh vkokl ifjfLFkfr;ksa ij nh?kZdkfyd izHkko iM+kA vkokl dh dherksa esa gksus okys mrkj&p<+ko ,oa izo`fÙk ls fo’o Hkj dh vFkOZ ;oLFkkvk as e as fofoèkrk Hkjh vkokl i)fÙk n[s kh x;hA vkb,Z e,Q Xykcs y okpW fjikVs Z fo’o dh vFkOZ ;LFkk dk s rhu vyx&vyx oxk aZs e as oxhdZ r̀ djrh g S ,o a vFkOZ ;oLFkk dh mu oxk aZs d s lca èa k e as vkokl dher lwpdkad dh izo`fÙk dk fo’ys"k.k djrh gSA mDr dk lkj fuEufyf[kr ckWDl 1-1 esa izLrqr fd;k tkrk gSA

Û vkbZ,e,Q dh oSf’od vkokl dher lwpdkad ds vuqlkj o"kZ 2016 esa lHkh ns’kksa esa okLrfod vkokl dher dk vkSlr yxHkx mlh Lrj ij vk x;k gS tks foÙkh; ladV dh 'kq:vkr ls iwoZ FkkA

Û 21 vFkZO;oLFkk,a ,slh Fkh ftUgsa ̂ rsth* okyh vFkZO;oLFkkvksa ds rkSj ij lanfHkZr fd;k x;k] tgka o"kZ 2007&2012 dh foÙkh; ladV dh vofèk esa dherksa esa ekewyh fxjkoV Fkh ,oa blds i’pkr fQj ls Rofjr mNky vk x;k FkkA Hkkjr dks ̂rsth* okyh vFkZO;oLFkkvksa esa oxhZd`r fd;k x;k FkkA

Û 18 vFkOZ ;oLFkk, a ,ls h Fkh ftUg as ^[kjkc ,o a rts h* okyh vFkOZ ;oLFkkvk as da s rkjS ij lna fHkrZ fd;k x;k tgk a o"k Z2007&2012 dh vofèk e as rts h l s fxjkoV vku s d s i’pkr o"k Z 2013 d s i’pkr fQj l s mNky vk;kA

Û 18 vFkZO;oLFkk,a ,slh Fkh ftUgsa ^fujk’kkHkjh* vFkZO;oLFkkvksa ads rkSj ij lanfHkZr fd;k x;k ftlesa ladV ds 'kq:vkr esa gh vkokl dh dherksa esa Hkkjh fxjkoV vkbZ ,oa fujarj fxjrh gh jghA

Û vU; vFkZO;oLFkkvksa dh rqyuk esa ̂rsth* okyh vFkZO;oLFkkvksa esa vfèkd rsth ls _.k iznku fd;kA

Û o"kZ 2007 ls o"kZ 2012 dh vofèk esa ̂/kheh ,oa rsth* okyh vFkZO;oLFkkvksa esa fuekZ.k {ks= esa ;ksftr ldy ewY; ,oa tkjh Hkou ijfeVksa dh la[;k esa rsth ls fxjkoV vkbZ ,oa o"kZ 2013 ds i’pkr ml Lrj ij vfèkd ;k de jguk tkjh jgkA

Û ^fujk’kkHkjh* vFkZO;oLFkkvksa esa o"kZ 2013 dh ckn dh vofèk esa fuekZ.k {ks= esa ;ksftr ldy ewY; ,oa Hkou ijfeVksa dh la[;k esa fxjkoV vkbZA blls igys Hkh bu vFkZO;oLFkkvksa esa o"kZ 2000 ds ckn ds o"kksZa esa dsoy lhekar Lrj dh o`f) ns[kh x;h ,oa muesa o"kZ 2008 ls fxjkoV vkuh 'kq: gks x;hA

1-2 oSf’od vkfFkZd ifjn`’;

ckWDl 1-1% oSf’od vkokl

L=ksr % vkbZ,e,Q Xykscy gkWmflax okWp% tqykbZ] 2016 rFkk vkbZ,e,Q Xykscy gkmflax okWp] uoEcj 2016

10

Hkkjr esa vkokl dh ço`fÙk ,oa çxfr fjiksVZ 2016jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

1-2-1 'kgjhdj.k ,oa vkokl

csjkstxkjh ,oa fuEu vk; Lrj dqN ,sls egRoiw.kZ dkjdksa esa ls ,d gSa ftuds dkj.k yksx 'kgjksa o uxjksa dh vksj vkdf"kZr gksrs gSa ftlds ifj.kkeLo:i 'kgjh {ks=ksa esa vkokl dh ekax c<+rh gSA 'kgjksa ,oa uxjksa dh izfr O;fDr vk; ,oa ldy ?kjsyw mRikn ¼thMhih½ ds izfr ;ksxnku esa egRoiw.kZ fgLlsnkjh gksrh gSA 'kgj fujarj vkfFkZd fodkl ds izeq[k dkjd ,oa lekos’ku o uoksUes"k ds mRizsjd cus gq, gSaA gkykafd vR;fèkd ?kuh vkcknh ds dkj.k vkokl ,oa cqfu;knh lqfoèkkvksa ds izkoèkkuksa esa vi;kZIrrk vkrh gS ftlds ifj.kkeLo:i efyu cfLr;ksa dk izlkj] xjhch ,oa i;kZoj.k lacaèkh {kj.k gksrk gSA vkokl ,oa lrr 'kgjh fodkl ij è;ku dsfUnzr djus ls 'kgjksa dks vkSj vfèkd lekos’kh] lqjf{kr ,oa fVdkÅ cukus okys lekèkku miyCèk gksaxs tks vkfFkZd fodkl dks Hkh lqfoèkkijd cuk,axsA ckWDl 1-2 esa fo’o Hkj esa 'kgjhdj.k ds fo"k; ls lacafèkr dqN izeq[k rF;ksa dh lwph iznku dh x;h gSA

Û fo’o dh yxHkx 54 izfr’kr vkcknh 'kgjksa esa jgrh gS ,oa bl lnh ds eè; rd blesa 66 izfr’kr rd dh c<ksÙkjh gks ldrh gSA

Û o"kZ 2030 rd de ls de ikap yk[k fuokfl;ksa ds lkFk gj rhu O;fDr esa ls ,d O;fDr 'kgjksa eas jgsxk ,oa yxHkx 5-4 fcfy;u 'kgjh vkcknh dh rqyuk esa 'kgjh vkcknh yxHkx 3 fcfy;u ds Lrj rd jgsxhA

Û 10 fefy;u ifjokj ls vfèkd dh vkcknh okys 'kgj o"kZ 1995 esa 13 dh rqyuk esa o"kZ 2015 esa 25 rd c<+sA

Û oSf’od Lrj ij fo’o Hkj ds 330 fefy;u 'kgjh ifjokj fuEu vkokl esa jgrs gSa vFkok vkfFkZd :i ls vkokl dh ykxrksa ds vuqlkj QSys gq, gSaA

Û fodkl’khy fo’o esa yxHkx 200 fefy;u ifjokj efyu cfLr;ksa eas fuokl djrs gSa ,oa la;qDr jkT; vesfjdk] ;wjksih; la?k] tkiku ,oa vkWLVªsfy;k esa 60 fefy;u ls vfèkd ifjokj vkfFkZd :i ls vkokl dh ykxrksa ds vuqlkj QSys gq, gSaA

Û 'kgjh iyk;u ,oa vk; o`f) esa orZeku izo`fÙk;ksa ds vkèkkj ij ;g vuqeku yxk;k tkrk gS fd o"kZ 2025 rd fo’o Hkj esa yxHkx 440 fefy;u 'kgjh ifjokj HkhM+HkkM+ Hkjs] vi;kZIr ,oa vlqjf{kr vkokl esa jgsaxs vFkok vkfFkZd :i ls QSys gksaxsA

4 Û vkokl laoguh;rk varj izfro"kZ 650 fcfy;u vejhdh MkWyj vFkok oSf’od ldy ?kjsyw mRikn dk 1 izfr’kr ds cjkcj gksrk gSA dqN lcls de fdQk;rh 'kgjksa esa ;g varj LFkkuh; ldy ?kjsyw mRikn ls 10 izfr’kr ls vfèkd gS tSls ,f’k;k o vÝhdk egk}hiksa esa vfèkdka’k ns’kksa esa laLFkkxr vkokl foÙk fuos’k cgqr de gSA

lzksr% oYMZ vcZukbts’ku izkWlisDV~l] 2014& ;w,u fjiksVZ] ;w,u 2016 }kjk fo’o ds ‘kgjksa dh fjiksVZ ,oa eSfdUls Xykscy baLVhV~;wV fjiksVZ] vDrwcj] 2014

1-2-2 vkokl {ks= dh fofo/k izHkko

1-2-2-1 vkokl vR;fèkd Je&izèkku {ks= gS ,oa vFkZO;oLFkk esa O;kid jkstxkj ds volj miyCèk djkrk gSA vkokl 5fodkl cM+h la[;k esa lw{e ,ao lef"V Lrjh; m|ksx ls tqM+k gqvk gSA ,ulh,bZvkj vè;;u ] ds vuqlkj

ckWDl 1-2% oSf’od 'kgjhdj.k dh izo`fÙk

4 laoguh;rk varj fdlh Lohdk;Z ekud vkokl bdkbZ dh ykxr ¼tks vofLFkfr ds vuqlkj fHkUu gks ldrh gS½ ,oa ifjokj 30 izfr’kr ls vufèkd vk; dk bLrseky djrs gq, Hkqxrku djus esa [kpZ dj ldrkk gS ds chp varj ds rkSj ij ifjHkkf”kr fd;k tkrk gSA 5 Hkkjrh; vFkZO;oLFkk esa ldy ?kjsyw mRikn ,oa jkstxkj ij vkokl {ks= esa fuos’k ds izHkko ij vè;;u] ,ulh,bZvkj] 2014A

11


vkokl {ks= ldy ?kjsyw mRikn dk 1 izfr’kr ds vykok dqy jkstxkj dk 6-9 izfr’kr cSBrk gSA vkokl ns’k esa jkstxkj iSnk djus okyk pkSFkk lcls cM+k {ks= gSA vkokl {ks= esa fd;s x;s izR;sd ,d yk[k #i;s ds fuos’k us pkj u;s jkstxkj iSnk fd, ,oa blds xq.kd izHkko ls ldy ?kjsyw mRikn esa 2-9 yk[k #i;s tqM+sA blfy, Hkkjr esa vkokl fuekZ.k dks izksRlkgu nsus ds ifj.kkeLo:i blls tqM+s m|ksxksa esa cM+s jkstxkj ,oa vk; iSnk djus ds vykok vkS|ksfxd mRiknu dh {kerk Hkh c<+sxhA tSlk fd iwoZ esa ifjppkZ dh x;h gS] vkokl us vkfFkZd xfrfofèk dks c<+kok nsus esa ,oa 269 lgk;d m|ksxksa ds mRiknu esa ;k rks izR;{k rkSj ij vFko vizR;{k rkSj ij

6dbZ xquk izHkko Mkyk gSA fuekZ.k {ks= ftlesa vkokl {ks= Hkh 'kkfey gS] dk Hkkjr ds ldy ?kjsyw mRikn esa 8-2 dk ;ksxnku gSA

1-2-2-2 ^o"kZ 2022 rd lcds fy, vkokl* fe’ku ds 'kqHkkjaHk ls ns’k Hkj esa xzkeh.k o 'kgjh nksuksa {ks=ksa esa vkokl dh xfrfofèk dks nks ;kstukvksa ;Fkk ih,e,okbZ ¼’kgjh½ ,oa ih,e,okbZ ¼xzkeh.k½ ds rgr lkFkZd c<+kok feysxkA bl fe’ku dk eq[; mn~ns’; yf{kr ifjokjksa dks cqfu;knh ukxfjd lq[k&lqfoèkkvksa ds lkFk Lo;a dk leqfpr ,oa LFkk;h vkokl bdkbZ dh igqap iznku djus esa l{ke cukuk gSA blesa o"kZ 2022 rd lHkh ik= ykHkkFkhZ ifjokjksa dks lkeF;Zdkjh fdQk;rh vkokl dk dk;kZUo;u djus okyh ,tsafl;ksa ds ekè;e ls iwathxr vFkok C;kt lfClMh ds Lo:i esa dsUnzh; lgk;rk iznku djus dk igys ls gh vuqeku yxk;k x;k gSA ih,e,okbZ esa lfClMh] izksRlkgu] izkS|ksfxdh ,oa dkS’ky fodkl ds ekè;e ls ekax ds vykok vkiwfrZ dh ckèkkvksa dk lekèkku djus] LFkkuh; lalkèkuksa ds iz;ksx ,oa fofHkUu i.kèkkjdksa dh lgHkkfxrk bR;kfn dks c<+kok nsus okys lexz cgq&vk;keh n`f"Vdks.k dks viuk;k x;k gSA ;g fe’ku dsfUnzr n`f"Vdks.k ds lkFk ns’k esa vkokl dh deh dk fuokj.k djus esa izeq[k izsj.kk 'kfDr ds rkSj ij dk;Z dj jgk gSA

1-2-3 fdQk;rh vkokl

1-2-3-1 'kgjh {ks=ksa esa c<+rh vkcknh ds ifj.kkeLo:i iyk;u djus okyksa dh cM+h vkcknh efyu cfLr;ksa vFkok fuEu vkokl esa cl tkrh gSaA ,slk gksus dk eq[; dkj.k ;g gS fd vfèkdka’k yksx viuh laoguh;rk ds Hkhrj vkokl izkIr djus esa la?k"kZjr gSaA bl lanHkZ esa Hkkjr ds ekuuh; jk"Vªifr] laln ds nksuksa lnuksa dks lacksfèkr djrs le; ;g dgrs gq, vkokl dh egÙkk ij cy fn;k fd vkokl lEekutud thou ;kiu ds fy, ewyHkwr vko’;drk gS ,oa ljdkj gekjh Lora=rk ds 75 o"kZ iwjs gksus ds miy{; esa ̂o"kZ 2022 rd lcds fy, vkokl* fe’ku ds rgr lHkh ifjokj] fo’ks"k rkSj ij xjhc ls xjhc yksxksa dh viuh vkokl bdkbZ gksus dh vkdka{kk,a iwjh djus ds fy, izfrc) gSA mudh ;g n`f"V o"kZ 2022 rd lcds fy, vkokl fe’ku esa ifjyf{kr gqbZA ;|fi bl lacaèk esa ljdkj }kjk fofHkUu igysa dh xbZ rFkkfi vkokl dh dherksa ,oa yksxksa dh laoguh;rk ds chp dh [kkbZ dks ikVuk vHkh Hkh cgqr cM+k dk;Z gS ftldk fuokj.k fe’ku dks iwjk djrs gq, fd;s tkus dh vko’;drk gSA

1-2-3-2 eSfdUls Xykscy baLVhV~;wV }kjk fd;k x;k fo’ys"k.k n’kkZrk gS fd fdQk;rh vkokl lqiqnZ djus dh ykxr de djus ds pkj rjhds gSa ,oa ;s fofèk;ka ekud vkokl bdkbZ dh dqy ykxr esaa 20 izfr’kr ls 50 izfr’kr rd dh deh yk ldrh gSaA ;s fofèk;ka fuEukuqlkj gSa%

Û lgh vofLFkfr ij Hkwfe [kksyuk(Û uoksUes"kh ,oa rnuqdwy rduhd ds ekè;e ls fuekZ.k ykxr esa deh ykuk(Û ifjpkyu c<+kuk ,oa n{krk cuk;s j[kuk] ,oa Û miHkksDrkvksa ,oa fodkldksa ds fy, foÙkiks"k.k dh ykxrksa dks de djuk

xzkQ 1-1 esa ekud bdkbZ dh dqy ykxr ij bu izR;sd dk;Z ;kstukvksa ds izHkko dh ek=k fuèkkZfjr dh xbZ gS@n’kkbZ x;h gSA tSlk fd fuEu xzkQ esa fn[kkbZ nsrk gS Hkwfe dh vkiwfrZ [kksyus ls ykxr esa 8 ls 23 izfr’kr

6 Hkkjr i;kZokl III jk"Vªh; fjiksVZ] 2016 vkokl ,oa 'kgjh xjhch mi’keu ea=ky;

12


dh fxjkoV vk ldrh gS ,oa fuekZ.k ykxr dks rdZlaxr cukus ls laoguh; {kerk 12 ls 16 izfr’kr rd c<+ ldrh gSA mUur ifjpkyu ,oa foÙkh; ykxr dks de j[kus ls ykxr esa Øe’k% 2 izfr’kr ,oa 7 izfr’kr rd dh fxjkoV vk ldrh gSA

xzkQ 1-1% laoguh;rk c<+kus ds rjhds ¼çfr'kr esa½

lzksr% eSfdUls Xykscy baLVhV~;wV dk fo’ys”k.k] fdQk;rh vkokl dh oSf’od pquksfr;ksa dk lekèkku djus dk [kkdk] vDrwcj] 2014

1-3-1 vis{kkd`r èkheh fodkl nj ls oSf’od ifjos’k dh i`"BHkwfe ds le{k o"kZ 2015&16 esa Hkkjrh; vFkZO;oLFkk esa 77-6 izfr’kr dh i;kZIr ldy ?kjsyw mRikn nj ntZ dh x;hA ;g nh?kZdkfyd fodkl laHkkoukvksa ds lkFk

lcls rsth ls c<+us okyh izeq[k vFkZO;oLFkk ds rkSj ij mHkjh gSA vkfFkZd xfrfofèk us xfr idM+h ,oa fodkl dh xfr dks etcwr uhfr;ka ,oa vk’kkoknh iqu#)kj dh enn ls lhfer jktdks"kh; o pkyw [kkrk ?kkVk] detksj iM+rh eqnzkLQhfr esa lfUufgr lef"Vxr vkfFkZd fLFkjrk dks etcwrh feyhA nf{k.k&if’pe ekulwu dk vkxeu d`f"k ,oa xzkeh.k vFkZO;oLFkk ds fy, 'kqHk ladsr gSA lkrosa osru vk;ksx dk fu.kZ; ljdkjh miHkksx O;; ds xq.kd izHkkoksa ds ekè;e ls yf{kr jktdks"kh; ?kkVs ds Hkhrj miHkksx O;; dks c<+k ldrh gSA gkykafd fofHkUu dkjdksa ij vkfFkZd fodkl dh fLFkjrk dkQh egRo j[krh gSA i;kZIr] fdQk;rh ,oa lqjf{kr vkokl Hkh ,slk gksus ds egRoiw.kZ dkjdksa esa ls ,d gSA blesa ns’k dk cM+k ,oa ukStoku dk;Zcy vfèkd mRiknd gks ldrk gS ,oa i;kZIr vkokl nsrs gq, gekjs ns’k ds vkfFkZd fodkl esa vfèkd ls vfèkd ;ksxnku ns ldrk gSA

1-3-2 foÙkh; cktkjksa ds lacaèk esa Hkkjrh; fjtoZ cSad us vizSy] 2016 esa uhfrxr nj ?kVk nhA foÙk o"kZ 2015&16 esa lhihvkbZ eqnzkLQhfr 4-9 izfr’kr jgh ftlls Hkkjrh; fjtoZ cSad dks eq[; njsa ?kVkus esa enn feyhA jsiks nj esa Hkkjrh; fjtoZ cSad }kjk dh xbZ dVkSrh ls cSadksa dks viuk _.k nj vkSj vfèkd ?kVkus esa enn feyhA fiNys dqN o"kksZa ls Hkkjrh; fjtoZ cSad us èkhjs&èkhjs uhfrxr njksa ,oa vkjf{kr ekax dks ?kVk fn;k ftlds ifj.kkeLo:i vkokl foÙk {ks= esa mPprj +_.k ds mBko dks lqfoèkkijd cukrs gq, izkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ us C;kt njksa esa dVkSrh dhA C;kt nj esa dh xbZ dVkSrh ls vkokl ifj;kstukvksa esa fufèk ds izokg dks lqfoèkkijd cukrs gq, Hkw laink {ks= esa _.k mBko esa Hkh lgk;rk feyhA xzkQ 1-2 esa o"kZ 2012 ls o"kZ 2016 rd dh vofèk esa jsiks nj] cSad nj] 10 o"kZ dh ljdkjh {ks= dh izfrQy nj ,oa lhvkjvkj esa ?kVrh gqbZ izo`fÙk dks n’kkZ;k x;k gSA jsiks nj esa o"kZ 2012 esa 8-5 izfr’kr ls o"kZ 2016 esa 6-25 izfr’kr rd dh fxjkoV vkbZA cSad nj esa o"kZ 2012 esa 9-5 izfr’kr ls o"kZ 2016 esa 6-75 izfr’kr rd dh fxjkoV vkbZA lhvkjvkj esa o"kZ 2012 esa +6 izfr’kr ls o"kZ 2016 esa 4 izfr’kr rd dh fxjkoV vkbZA 10 o"kksZa ljdkjh {ks= ds izfrQy esa Hkh 8-47 izfr’kr ls o"kZ 2016 esa 6-73 izfr’kr rd dh fxjkoV vkbZA

1-3 Hkkjrh; vFkZO;oLFkk ,oa vkokl dk fogaxkoyksdu

7 vkfFkZd losZ{k.k] 2015&16

13

100%

80%

8 ls 23%

12 16%ls

2%

7%

52 78%ls

ekud bdkbZ dh ykxr

60%

40%

20%

100%

Hkwfe vkiwfÙkZ [kksyuk

fuekZ.k ykxr esa deh

mUur ifjpkyu,oa vuqj{k.k

foÙkh; ykxrde djuk

vuqdwfyr ykxr


8 Hkkjr i;kZokl III jk"Vªh; fjiksVZ] 2016] vkokl ,oa 'kgjh xjhch mi'keu ea=ky; rFkk Hkkjrh; fjtoZ cSad

10,00

9,00

8,00

7,00

6,00

5,00

4,00

3,002012 2013 2014 2015 2016

xzkQ 1-2% lhvkjvkj] cSad nj] jsiks nj ,oa 10 o"kZ ds ljdkjh {ks= ds izfrQy esa izo`fÙk

lzksr% Hkkjrh; fjtoZ cSad

81-3-3 vkokl ds fodkl ds fy, gky dh igysa

fuEufyf[kr ckWDl esa Hkkjr ljdkj }kjk 'kq: dh xbZ dqN igysa nh xbZ gSa tks vkokl LVkWd esa lqèkkj ykus ds fy, izklafxd gSaA

Û izR;{k fons’kh fuos’k ¼,QMhvkbZ½% U;wure {ks=Qy ,oa iwathdj.k vis+{kkvksa ,oa vU; 'krksZa dks gVkuk] ljdkjh ekè;e ds ctk; Lopkfyr ekè;e ls ns’k esa fons’kh fuos’k dk ljyhdj.k djuk

Û cká okf.kfT;d mèkkj ¼bZlhch½% fodkldksa@Hkou fuekZrkvksa ,oa jk"Vªh; vkokl cSad@fofufnZ"V vkokl foÙk daifu;ksa dks nh?kZdkfyd fufèk miyCèk djkrs gq, fdQk;rh vkokl ,oa efyu cLrh dk mUu;u djus ds fy, leFkZ cukukA

Û Hkw laink fuos’k U;kl ¼vkjbZvkbZVh½% fuos’kdksa dks fu;fer vk; ds lzksr] fofoèkrkHkjh ,oa nh?kZdkfyd iwath o`f) miyCèk djkrs gq, Hkw laink esa fuos’k tqVkus dks vuqefr nsukA

Û dsUnzh; ctV 2016 esa C;kt Hkqxrku dVkSrh dh vuqefr] fdQk;rh vkokl bdkbZ;ksa dk fuekZ.k djus okys Hkou fuekZrkvksa dks ykHk] fdjk;s okys vkokl ds fy, ykHk] vkjbZvkbZVh ds fy, ykHkka’k forj.k dj ¼MhMhVh½ ls NwV bR;kfn ds {ks= esa dbZ ennxkj ?kks"k.kk,a dh x;hA d`i;k dsUnzh; ctV 2016 esa vkokl {ks= ls lacafèkr ?kks"k.kkvksa ds fofufnZ"V fooj.k ds fy, [kaM 2-3-1 dk lanHkZ ysaA

Û Hkw laink ¼fu;eu ,oa fodkl½ vfèkfu;e] 2016% miHkksDrk ds fgrksa dh j{kk djus esa leku fofu;ked ekgkSy iznku djus] fooknksa dk Rofjr fu.kZ; ysus esa enn djus ,oa Hkw laink {ks= dk lqO;ofLFkr fodkl lqfuf’pr djus ds mn~ns’; ls Hkw laink ¼fofu;eu ,oa fodkl½ vfèkfu;e] 2016 dks vfèkfu;fer fd;kA

Û ekWMy Hkou fuekZ.k mi&fu;e] 2016% Hkkjr ljdkj us ekpZ] 2016 esa i;kZoj.k lacaèkh lqj{kk ds izkoèkku lfgr ekWMy Hkou fuekZ.k mi&fu;e izdkf’kr fd;k gS ftls jkT;ksa }kjk Hkh viuk;k tkuk gSA ;s Hkou fuekZ.k mi&fu;eksa dks muds vfèkd ls vfèkd lekos’kh ,oa mi;ksxdrkZ vuqdwy cukus ds mn~ns’; ls le&lkef;d 'kgjh izo`fÙk;ksa ds vuqlkj vn~;rhr fd;k x;k gSA

ckWDl 1-3% vkokl ds fy, fuos’k ,oa foÙkh; lgk;rk

ckWDl 1-4% vkokl {ks= ds fy, dsUnzh; ctV dh ?kks"k.kk,a

ckWDl 1-5% vkokl {ks= ds fy, uhfrxr <kapk ,oa foèkk;h leFkZu

vkjf{kr udn fuf/k vuqikr uhfr jsiks nj cSad nj 10 o"kZ ljdkjh çfrHkwfr;ka çfrQy

14


Û fdjk;s dk vkokl% vkokl ,o a 'kgjh xjhch mi’keu e=a ky; u s jk"Vhª ; 'kgjh fdjk;k vkokl uhfr] 2016 dk elknS k r;S kj fd;k tk s vyx&vyx vk; ox Z d s ykxs k as d s fy, fdjk; s dk s ikz Rs lkgu nxs h ,o a lkekftd fdjk;k vkokl ¼,lvkj,p½ dk s c<k+ ok nrs s g,q i;kIZ r fdjk;k vkokl LVkdW r;S kj djxs hA vfr fiNM s+ ox Zd s ykxs k as dk s vkokl dh lfq oèkkvk as dk s c<k+ ok nrs s g,q ,o a fofufn"Z V yf{kr ox Z d s ykxs k as d s fy, fdjk;k vkokl dh vko’;drk d s vkèkkj ij vfr fiNM s+ ox Z d s ykxs k as dh loa guh;rk ij fo’k"s k è;ku fn;k x;k gAS

Û ekMW y jkT; vkokl uhfr jkT; ,o a dUs n z 'kkflr inz ’s kk as dk s viu s uhfr;k as dk l=w hdj.k dju@s leh{kk dju se as leFk Z cuku s d s mnn~ ’s ; l s tuw ] 2016 e as 'kgjh {k=s k as e as vkokl uhfr dk ueuw k tkjh fd;k x;kA

Û dkjksckj djus dks vklku cukuk ¼bZvksMhch½ RkFkk Hkou fuekZ.k&;kstuk&vuqeksnu izfØ;k dks ;qfDrlaxr cukuk vkokl ,oa fuekZ.k ifj;sktukvksa dh vuqeksnu izfØ;k dks vU; lacafèkr ea=ky; tSls i;kZoj.k] ou ,oa tyok;q ifjorZu] ukxj foekuu] laLd`fr] j{kk ,oa miHkksDrk ekeys ds lkFk ijke’kZ djrs gq, ljy ,oa ;qfDrlaxr cuk;k x;k gSA bl fn’kk esa ih,e,okbZ ds fn’kk&funsZ’kksa eas Hkh dqN vkns’k fn;s x;s gSa tSls fuekZ.k ds ijfeVksa ds fy, ,dy f[kM+dh dh LFkkiuk djuk] ekun Hkou fuekZ.k dh vueq fr dh voèkkj.kk ,o a [kkl ifjfLFkfr;k as e as uD’k s dk vueq kns u bR;kfnA

Û izkS|ksfxdh mi&fe’ku% mUur fuek.Z k ikz |S kfs xdh ,o a dk;iZ )fr vkokl ifj;kts ukvk as dk s vfèkd l{kerk l s ,o a de l s de le; e as ijw k dju s e as lgk;rk dj ldrh gAS iow fZ uferZ ,o a ekMW ;~ yw j fuek.Z k tlS h fuek.Z k rduhdh ,o a uokUs e"s kh fuek.Z k lkexhz ifj;kts ukvk as dk s de l s de le; e as rFkk cgrq de lla kèkuk as d s lkFk ijw k dju s e as lgk;rk dj ldrh gAS bl fn’kk e as rts h ,o a x.q koÙkkijd vkoklk as dk fuek.Z k dju s d s fy, vkèkfq ud] uokUs e"s kh ,o a gfjr rduhdh o Hkou fuek.Z k lkexhz viuku s dh lfq oèkk inz ku djr s g,q ièz kkue=a h vkokl ;kts uk ¼’kgjh½ d s rgr ikz |S kfs xdh mi&fe’ku dh LFkkiuk dh x;h gAS

Û izn’kZu ifj;kstuk,a% ns’k esa ukS jkT;ksa us LFkkuh; lw{e&tyok;q ifjfLFkfr;ksa dks è;ku esa j[krs gq, ubZ ,oa mUur fuekZ.k izkS|ksfxfd;ksa ds izn’kZu esa #fp fn[kkbZ gSA cM+s ea=ky;@foHkkx ¼jsyos] j{kk] dsUnzh; yksd fuekZ.k foHkkx ,ao lkoZtfud {ks= ds miØe½ deZpkfj;ksa ds vkokl ,oa vU; dkexkjksa ds fy, ubZ rduhdh viukus ds fy, vkxs c<+ jgs gSaA p;fur izkS|ksfxfd;ksa ds fy, njksa dh ekudhd`r vuqlwph fodflr dh tk jgh gSA

Û fuekZ.k ls lacafèkr dkexkjksa dk dkS’ky fodkl% ;g vueq ku yxk;k x;k g S fd fuek.Z k {k=s e a s dke dju s oky s45 fefy;u ykxs k a s e a s l s 6 ifz r’kr ykxs k a s d s ikl gh lOq ;ofLFkr ifz ’k{k.k ,o a dk’S ky fuek.Z k dh lfq oèkk gAS bl fLFkfr dk s n[s kr s g,q oreZ ku e as c<h+ gbq Z mRikndrk ,o a 'kgjh vFkOZ ;oLFkk e as dk; Z cy dk vfèkd l s vfèkd ;kxs nku nus s e a s fuek.Z k dkexkjk a s d s dk’S ky fodkl ifz ’k{k.k ij T;knk l s T;knk è;ku dfs Unrz fd;k tk jgk gAS

lzksr% Hkkjr i;kZokl III jk”Vªh; fjiksVZ] 2016 vkokl ,oa ‘kgjh xjhch mi’keu ea=ky;

jk"Vªh; vkokl cSad dh LFkkiuk jk"Vªh; vkokl cSad] 1987 ds rgr dh x;h Fkh ftldk mn~ns’; vkokl foÙk laLFkkuksa dks c<+kok nsus ds fo’ks"kkfèkdkj ds lkFk&lkFk bu laLFkkuksa dks Hkkjr esa vkokl foÙk iz.kkyh ds fodkl dh fn’kk esa fofu;ked ekxZn’kZu] foÙkh; lgk;rk] tkudkjh o 'kksèk dh lgk;rk nsuk gSA Hkkjrh; fjtoZ cSad ds iw.kZLokfeRokèkhu jk"Vªh; vkokl cSad vkokl {ks= ds fy, cgq&vk;keh fodkl foÙk laLFkku gSA blds fØ;k&dykiksa esa vkokl foÙk daifu;ksa dk fofu;eu ,oa i;Zos{k.k] Hkkjr esa vkokl foÙk dk foÙkiks"k.k ,oa laoèkZu o fodkl 'kkfey gSA jk"Vªh; vkokl cSad ds mn~ns’;ksa esa lHkh oxZ ds yksxksa dh vkokl dh vko’;drkvksa dh iwfrZ djus esa lqn`<+] ;Fks"V] vFkZ{ke ,oa fdQk;rh vkokl foÙk dk laoèkZu djuk ,oa vkokl foÙk dk lexz foÙkh; iz.kkyh ds lkFk ,dhdj.k djuk 'kkfey gSA

ckWDl 1-6% vkokl ds fy, uoksUes"kh izkS|ksfxdh ,oa {kerk fuekZ.k esa lgk;rk

1-4 jk"Vªh; vkokl cSad dh Hkwfedk

15


fofu;eu ,oa i;Zos{k.k

å vkokl foÙk daifu;ksa ¼vk- fo- da-½ dk iathdj.k ,oa fuxjkuh

å vkokl foÙk daifu;ksa dks LFkk;h ,oa lqn`<+ vkokl foÙk iz.kkyh ds fodkl ds fy, funsZ’k] fn’kk&funsZ’k] lafgrk bR;kfn tkjh djukA

å LFkyh; fujh{k.k ,oa LFkysÙkj fuxjkuh ds ekè;e ls i;Zos{k.kA

å miHkksDrkvksa dks tkx:d djuk ,ao muds fgrksa dh j{kk djukA

å varj&fofu;ked leUo;

o"kZ 2015&16 ds nkSjku jk"Vªh; vkokl cSad us 11 vkokl foÙk daifu;ksa dks iathdj.k izek.ki= ¼lhvksvkj½ iznku fd;sA 31 fnlacj] 2016 rd 82 vkokl foÙk daifu;ka jk"Vªh; vkokl cSad ls iathd`r FkhaA ;g lqfuf’pr djus ds fy, fd vkokl foÙk daifu;ka vius dkjksckjh ekeyksa ds lapkyu ls tekdrkZvksa] xzkgdksa ,oa tu lkèkkj.k ds fgr ds izfr vfgrdj u gksa] jk"Vªh; vkokl cSad vkokl foÙk daifu;ksa ds fu"iknd ,oa vfHk’kklu <kaps esa gLr{ksi djrk gSA vkokl foÙk daifu;kasa ds fofu;ked ds rkSj ij jk"Vªh; vkokl cSad vkokl foÙk daifu;ksa dk ekxZn’kZu] fuxjkuh o fujh{k.k djrk gS rkfd muds lHkh iz;kl mlh fn’kk esa gksaA i.kèkkjdks dks egRo nsus ds mn~ns’; ls jk"Vªh; vkokl cSad us vkol foÙk daifu;ksa ds fo#) xzkgdksa dh f’kdk;rk as dk irk yxku s d s fy, vkuW ykbu f’kdk;r ita hdj.k ,o a lpw uk MkVkcls i.z kkyh ¼fxMz l~ ½ dh LFkkiuk dh gSA ,d vU; izeq[k {ks=] tgka jk"Vªh; vkokl cSad lfØ; :i ls gLr{ksi djrk gS og vkokl foÙk m|ksx esa èkks[kkèkM+h dks dkcw esa j[kuk gSA jk"Vªh; vkokl cSad vkokl foÙk m|ksx esa gksus okyh èkks[kkèkfM+;ksa ds ckjs esa tkudkjh ,df=r djrk gS ,oa psrkouh lwpuk ds ekè;e ls lHkh vkokl foÙk daifu;ksa dks fu;fer :i ls /kks[kkèkM+h ij lesfdr lwpuk dk izlkj djrk gSA blls vkokl foÙk daifu;ksa dks cktkj dh ifjfLFkfr;ksa ,oa vius fuos’k dh lqj{kk ds izfr vkSj tkx:d gksus esa enn feyrh gSA jk"Vªh; vkokl cSad lwpuk lk>k djus ,oa leUo; djus ds fy, ns’k ds vU; fofu;kedksa ds lkFk fu;fer rkSj ij ifjppkZ djrk gSA

foÙkiks"k.k

å iqufoZÙk ds ekè;e ls lrr vkokl foÙk iz.kkyh ftlesa lkekU; C;kt nj ij miyCèk dsUnzh; iqufoZÙk ;kstuk ds vfrfjDr jk"Vªh; vkokl cSad esa LFkkfir fufèk;ksa ds ekè;e ls fj;k;rh C;kt nj ij miyCèk fo’ks"k iqufoZÙk ;kstuk,a 'kkfey gSA

å o"kZ 2015&16 ds nkSjku vkokl foÙk daifu;ksa ,oa vuqlwfpr okf.kfT;d cSadksa ds chp vfèkd vFkok de ;k cjkcj fgLlsnkjh ds lkFk dqy 21]590 djksM+ #i;s dk iqufoZÙk laforfjr fd;k x;kA foxr rhu o"kksZa ds nkSjku fd;s x;s iqufoZÙk laforj.k ds laLFkku&okj fo’ys"k.k dks fuEufyf[kr rkfydk 1-1 e as n’kk;Z k x;k gAS ;kts uk&okj ,o a vofèk&okj fooj.k fuEufyf[kr xkz Q 1-3 ,o a 1-4 e as n’kk;Z k x;k gAS

rkfydk 1-1% foxr rhu o"kksZa esa laLFkku&okj iqufoZÙk laforj.k ¼jkf’k djksM+ #i;s eas½

Û

Û

16

izkFkfed _.knkrk laLFkku

2013-14 2014-15 2015-162016-17 (01.07.2016-

31.12.2016)

laforfjr jkf’k

laforfjr jkf’k

dqy dk izfr’kr

dqy dk izfr’kr

dqy dk izfr’kr

laforfjr jkf’k

laforfjr jkf’k

dqy dk izfr’kr

vkokl foÙk daifu;ka 9,633 53.9 7,390 33.8 10,852 50.3 4,614 88.0

vuqlwfpr okf.kfT;d cSad 7,943 44.5 14,114 64.6 10,275 47.6 600 11.4

{ks=h; xzkeh.k cSad 280 1.6 253 1.2 463 2.1 30 0.6

lgdkjh {ks= - - 90 0.4 - - -

dqy 17,856 100.0 21,847 100.0 21,590 100.0 5,244 100.0


2000

1600

1200

800

400

0

2004

-200

5 rd

2005

-200

6

2006

-200

7

2007

-200

8

2008

-200

9

2009

-201

0

2010

-201

1

2011

-201

2

2012

-201

3

2013

-201

4

2014

-201

5

2015

-201

6

laLohÑr jkf'k

laforfjr jkf'k

1 o"kZ rd

1 o"kZ ls 3 o"kZ

3 o"kZ ls 5 o"kZ

5 o"kZ ls 7 o"kZ

7 o"kZ ls 10 o"kZ

10 o"kZ ls T;knk

xzkQ 1-3% 30 twu] 2016 dks ;kstuk&okj iqufoZÙk laforj.k ¼izfr’kr esa½

xzkQ 1-4% 30 twu] 2016 dks vofèk&okj iqufoZÙk laforj.k ¼izfr’kr esa½

lkoZtfud ,tsalh tSls vkokl cksMZ ,oa fodkl izkfèkdj.k dks izR;{k rkSj ij vFkok tu futh Hkkxhnkjh fof/k ds ekè;e ls Hkwfe fodkl ,oa vkokl ifj;sktukvksa ds fy, lkekU; C;kt nj ds vfrfjDr efyu cLrh iqufoZdkl ,oa fuEu vk; okys vkokl ds fy, jk"Vªh; vkokl cSad esa LFkkfir fufèk;ksa ds ekè;e ls fj;k;rh nj ij miyCèk ifj;kstuk foÙkA

å foxr ikap o"kksZa ds nkSjku jk"Vªh; vkokl cSad us vkfFkZd :i ls detksj oxZ ¼bZMCY;w,l½@fuEu vk; oxZ ¼,yvkbZth½ dh lgk;rk djus ds vius iz;klksa ls lkoZtfud ,tsafl;ksa dk foÙkiks"k.k djrs gq, yxHkx 24]000 vkoklksa dk fuekZ.k djus esa enn dhA lap;h :i ls 30 twu] 2016 rd 9]590 djksM+ #i;s dh ykxr dh ifj;kstuk ,oa 5]522 djksM+ #i;s ds _.k ?kVd ds lkFk 448 ifj;kstukvksa dks eatwjh nh x;hA 31 fnlacj] 2016 rd lap;h ifj;kstuk foÙk laforj.k 2]406 djksM+ #i;s jgkA foxr 10 o"kksZa dh izo`fÙk dks xzkQ 1-5 esa n’kkZ;k x;k gSA

xzkQ 1-5% ifj;kstuk foÙk laforj.k esa izo`fÙk ¼jkf’k djksM+ #i;s eas½

å

75

17

17

fu;fer

xzkeh.k vkokl fuf/k

'kgjh vkokl fuf/k

'kgjh&fuEu vk; vkokl

17


Û

Û

Û

Û

laoèkZu ,oa fodkl

bfDoVh lgHkkfxrk ds ekè;e ls u;s i{kksa dk l`tu

å _.knkrk laLFkkuksa ds ekStwnk usVodZ dk lqn`<+hdj.kA

å {ks= dk {kerk fuekZ.k

å izf’k{k.k] laxks"Bh bR;kfn ds ekè;e ls miHkksDrkvksa esa tkx:drk QSykukA

å fofHkUu i.kèkkjdksa dk Kku dk lk>hnkj cuukA

å fofHkUu ljdkjh ;kstukvksa ds fy, uksMy ,tsalh cuuk] ,oa

å mRikn fodkl esa lgk;rk djuk ,oa {ks= dk ekxZn’kZu djukA

bfDoVh lgHkkfxrk% ns’k esa vkokl foÙk iz.kkyh ds laoèkZu ,oa fodkl ds fy, jk"Vªh; vkokl cSad dks fn;s x;s vfèkns’k ds vuqlkj jk"Vªh; vkokl cSad vkokl foÙk daifu;ksa ,oa vU; lacafèkr daifu;ksa dh bfDoVh 'ks;j iwath esa lgHkkfxrk djrk gSA orZeku esa jk"Vªh; vkokl cSad dh ikap daifu;ksa dh bfDoVh 'ks;j iwath esa lgHkkfxrk gSA

ljdkjh ;kstukvksa dk dk;kZUo;u% jk"Vªh; vkokl cSad Hkkjr ljdkj dh ;kstukvksa ds dk;kZUo;u ds fy, dsUnzh; uksMy ,tsalh ¼lh,u,½ ds rkSj ij dk;Z djrk gSA os ;kstuk,a ftuesa jk"Vªh; vkokl cSad bl Hkwfedk dk fuoZgu djrk gS muesa fuEufyf[kr 'kkfey gS%

vkokl ,oa 'kgjh xjhch mi’keu ea=ky; dh 'kgjh xjhc ds vkokl gsrq C;kt lfClMh ;kstuk] jktho +_.k ;kstuk ,oa ̂o"kZZ 2022 rd lcds fy, vkokl fe’ku* ds rgr izèkkuea=h vkokl ;kstuk ¼’kgjh½A

foÙk ea=ky; ds vèkhu ,d izfr’kr C;kt jkgr ;kstuk] ,oa

uohu ,oa uohdj.kh; ÅtkZ ea=ky; ds vèkhu ?kjksa es lkSj ty rkid ,oa lkSj izdk’k iz.kkfy;ksa ds vfèk"Bkiu gsrq iwathxr lfClMh ;kstuk

blds vfrfjDr jk"Vªh; vkokl cSad vkokl ,oa 'kgjh xjhch mi’keu ea=ky; dh vksj ls fuEu vk; vkokl ds fy, _.k tksf[ke xkjaVh fufèk U;kl dk Hkh lapkyu djrk gSA

{kerk fuekZ.k% jk"Vªh; vkokl cSad bl {ks= ds fofHkUu i.kèkkjdksa ds izf’k{k.k ,oa {kerk fuekZ.k dh fn’kk esa fu;fer rkSj ij fofHkUu mik; djrk gSA blesa eq[; dk;Zikyd vfèkdkjh ¼lhbZvks½ cSBd ,oa xksy est lEesyu tSls eapksa esa fofHkUu izkFkfed _.knkrk laLFkkuksa ds lkFk fu;fer ifjppkZ djus ds vykok izf’k{k.k dk;ZØeksa esa Hkkx ysuk o lapkyu djuk 'kkfey gSA o"kZ 2015&16 esa jk"Vªh; vkokl cSad us lewps Hkkjr o"kZ esa 11 izf’k{k.k dk;ZØe vk;ksftr fd;s ftuesa fofHkUu izkFkfed _.knkrk laLFkkuksa ds 443 izfrHkkfx;ksa us Hkkx fy;kA bu 11 izf’k{k.k dk;ZØeksa esa ls eè; izns’k esa dke dj jgs nks {ks=h; xzkeh.k cSadksa ds fy, nks rnuqdwy dk;ZØe fganh esa vk;ksftr fd;s x;sA izkFkfed _.knkrk laLFkkuksa ,oa jkT; Lrjh; uksMy ,stsafl;ksa ¼,l,y,u,½ esa tkx:drk iSnk djus ,oa laosnu’khy cukus ds mn~ns’; ls jk"Vªh; vkokl cSad us o"kZ 2015&16 esa izèkkuea=h vkokl ;kstuk & +_.k lgc) lfClMh ;kstuk ij vfHk;ku pyk;k ,oa 12 {ks=h; dk;’Z kkyk, a vk;kfs tr dhA tu tkx:drk vfHk;ku dk s fiVaz ] byDS Vkª fW ud ,o a lk’s ky ehfM;k e as Hkh pyk;k x;kA

1-4-1 bu lg;ksxiw.kZ ,oa ikjLifjd lqn`<+ Hkwfedkvksa dk fuoZgu djrs le; jk"Vªh; vkokl cSad us vkokl foÙk cktkj ds fodkl ,oa foLrkj ds vykok bldh fLFkjrk esa Hkh Hkkjh ;ksxnku fn;kA dsUnz ,oa jkT; Lrj ij vU; laLFkkuksa o uhfr fuekZrkvksa ds lkFk lk>snkjh djrs gq, jk"Vªh; vkokl cSad us vusd ;kstuvksa o dk;ZØeksa dk lw=ikr fd;k tks fuEu ,oa eè;e&vk; oxZ ds yksxksa esa iSB cukus ij yf{kr gSaA

å


18


vè;k;

2-1 vkokl izsjd ds :i esa

2-2 Hkkjr esa vkokl laca/kh igysa

2 % Hkkjr esa vkokl ljdkj us 'kgjh vkSj xzkeh.k xjhcksa ds fy, lLrs edkuksa dh vkiwfrZ c<+kus ds fy, vusd ;kstuk,a ykxw dh gSa] fdarq budh vkiwfrZ vf/kdka’kr% ljdkjh ,tsafl;ksa ds ek/;e ls gh dh tkrh gSA ns’k esa vkokl dh cM+h pqukSrh dk lkeuk djus ds fy, futh {ks= dks 'kkfey djus dh vko’;drk gSA ns’k ds lkekftd& vkfFkZd <kaps esa fHkUurk ds dkj.k bl leL;k dks lexzrk ds lkFk gy djus dh t:jr gSA ljdkjh ra= 'kgjh vkokl ds fy, iz/kkuea=h vkokl ;kstuk&’kgjh vkSj xzkeh.k vkokl ds fy, iz/kkuea=h vkokl ;kstuk&xzkeh.k ds fØ;kUo;u esa lfØ; :i ls dk;Z dj jgk gSA vusd jkT; ljdkjksa us fo’ks"k :i ls viuh LFkkuh; vkokl ekaxksa dks iwjk djus ds fy, futh {ks= ds lg;ksx ls vkSj lg;ksx ds fcuk vusd ;kstuk,a vkjaHk dh gSaA ljdkjksa }kjk vusd foRrh; izksRlkguksa dh ?kks"k.kk dh xbZ gS vkSj Hkkjrh; fjtoZ cSad dh ekSfnzd uhfr ls vkokl foRr iz.kkyh esa _.k tksf[ke rFkk O;ogk;Zrk esa larqyu cuk;s j[kus esa lgk;rk feyrh gS ftlls fdQk;rh vkokl vf/kd ek=k esa miyC/k djkus dks izksRlkgu feykA ^jsjk^ dkuwu cuus ds ckn vkokl lsDVj dks dkuwuh bdksflLVe ls cgqr etcwrh feyh gS ftlesa Hkou fuekZrkvksa dks viuh ;kstuk ds vuqikyu vkSj fd;s x;s ok;ns iwjs djus ds izfr tckonsg cuk;k x;k gSA

2-1-1 vkokl {ks= vU; vusd m|ksxksa ds lkFk cgqr vf/kd tqM+k gqvk gS vkSj vkokl esa o`f) ls mu lHkh m|ksxksa esa Hkh o`f) gksrh gSA blds lkFk&lkFk] vkokl izR;sd euq"; dh vko’;drk gS] vkokl ij fopkj djrs le; ns’k esa O;kIr vusd eqÌksa dh tfVyrk ij Hkh /;ku j[kuk gksxk tSls csjkstxkjh] xjhch] vk;] 'kSf{kd vlekurk vkSj ogu{kerkA blh dkj.k vkokl laca/kh xfrfof/k;ksa ls ns’k esa] izR;{k ;k ijks{k :i ls] jkstxkj ds volj c<+rs gSa] csgrj f’k{kk] csgrj vk; Lrj ikus vkSj xjhch nwj djus esa enn feyrh gSA

2-1-2 ns’k esa vkokl laca/kh leL;kvksa dks nwj djus ds fy;s cgqeq[kh dk;Z djus vkSj futh {ks= dks 'kkfey djus dh t:jr gS] ljdkj us fofHkUu Jsf.k;ksa ds yksxksa dh t:jrksa dks iwjk djus ds fy;s oSfo/; fo’ks"k vkokl dk;ZØeksa dks 'kq: fd;k gSA xzkeh.k {ks=ksa ds fy;s rS;kj dk;ZØeksa dks 'kgjh {ks=ksa ds dk;ZØeksa ls fHkUu izdkj ls rS;kj fd;k x;k gSA blds vfrfjDr] ljdkj us vkokl {ks= ds fodkl esa lqfo/kk gsrq vusd foRrh; vkSj fof/kd lq/kkj Hkh fd;s gSa vkSj ljdkj ?kksf"kr dk;ZØeksa ds lQy fØ;kUo;u esa lgk;rk Hkh dj jgh gSA

2-2-1 dsUnz ljdkj }kjk 'kq: dh xbZ xzkeh.k vkokl igysa

2-2-1-1 xzkeh.k vkokl dk vusd dkj.kksa ls cgqr vf/kd egRo gSA lHkh cs?kj yksxksa dks vkSj fo’ks"kdj mu yksxksa dks tks ttZj edkuksa esa jg jgs gSa] lqjf{kr vkSj csgrj vkokl miyC/k djkuk igyh vkSj lokZf/kd egRoiw.kZ t:jr gSA lqjf{kr vkokl feyus ds ckn O;fDr vius thou ds nwljs igyqvksa ij /;ku nsrk gS tSls vk; c<+kuk] ifjokj ds fy;s f’k{kk vkSj LokLF; dh ns[kHkkyA nwljh ckr] Hkkjrh; xzkeh.k vFkZO;oLFkk eq[;r% d`f"k rFkk lacaf/kr fØ;kdykiksa tSls i’kqikyu o erL; ikyu ij vk/kkfjr gSA d`f"k ls xzkeh.kksa dks jkstxkj feyus esas u dsoy lgk;rk feyrh gS fdarq mls Hkkjrh; vFkZO;oLFkk dh jh<+ Hkh ekuk tkrk gS D;ksafd vFkZO;oLFkk ds vU; {ks=ksa ls mldh Hkkjh ekax vkSj vkiwfrZ tqM+h gksrh gSA vFkZO;oLFkk ds fodkl ds fy;s d`f"k esa o`f) egRoiw.kZ gksrh gSA blesa lgk;rk ds fy;s ,d lqjf{kr mik; ;g lqfuf’pr djuk gS fd fdlkuksa vkSj [ksrksa esa dke djus okys Jfedksa dks jgus ds fy;s lqjf{kr vkokl miyC/k gksaA rhljh ckr] pwafd d`f"k {ks= ds egRo dks ekU;rk nh xbZ gS] xkaoksa esa d`f"k ls brj Hkh voljksa dks ryk’kuk pkfg, rkfd os vU; vkfFkZd xfrfof/k;ksa ls lEc) gksdj

{ks=

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vè;k; 2 % Hkkjr esa vkokl jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

viuh vk; c<+k ldsaA xkaoksa esa vk; ds vU; lk/kuksa dh vuqiyC/krk ds dkj.k xzkeh.k yksx jkstxkj ds fy;s 'kgjksa dh vksj Hkkxrs gSaA bl ifjizs{; esa] xzkeh.k {ks=ksa esa vkokl ds fodkl ds QyLo:i vkfFkZd xfrfof/k;ksa esa Hkkjh o`f) gksxh D;ksafd mlds fiNM+s gksus vkSj fodkl gksus dk vFkZO;oLFkk ls xgjk laca/k gksrk gSA xzkeh.k {ks=ksa esa xjhch mUewyu ds fy;s fd;s x;s iz;klksa esa vkoklh; xfrfof/k;ksa ls cgqr lgk;rk feysxhA

2-2-1-2 ckjgoha iapo"khZ; ;kstuk ds fy;s dk;Z lfefr ds izkDdyu ds vuqlkj] dqy xzkeh.k vkoklksa dh deh vuqekur% 4-37 djksM+ bdkbZ;ka FkhA blesa xjhch js[kk ls uhps ifjokjksa ds fy;s deh yxHkx 3-93 djksM+ bdkbZ;ksa dh FkhA bl deh ds fofHkUu dkj.kksa dks n’kkZus okyh rkfydk uhps nh xbZ gSA

rkfydk la- 2-1 % xzkeh.k {ks=ksa esa vkoklksa dh deh ds fofHkUu dkj.k

lzksr% ckjgoha iapo"khZ; ;kstuk ds fy;s xzkeh.k vkokl ij xfBr dk;Z xzqi dh fjiksVZ] xzkeh.k fodkl ea=ky;] 2011

2-2-1-3 xzkeh.k vkoklksa dh deh dks nwj djus ds fy,] bafnjk vkokl ;kstuk ¼vkbZ,okbZ½] xzkeh.k vkokl ds fy;s igyh ;kstuk] Hkkjr ljdkj] xzkeh.k fodkl ea=ky; }kjk twu 1985 esa 'kq: dh xbZA ;kstuk dk izeq[k mÌs’; xjhch js[kk ls uhps ds ifjokjksa dks lqjf{kr vkSj iDdk vkokl miyC/k djkus esa lgk;rk djuk FkkA twu 2015 esa] ljdkj us ̂ ^2022 rd lc ds fy;s vkokl^^ fe’ku dh ?kks"k.kk dhA bl fe’ku dh ?kks"k.kk ds ckn vkSj xzkeh.k vkokl dh ekax vkSj vkiwfrZ esa Hkkjh varj dh pqukSrh dk lkeuk djus ds fy;s] bafnjk vkokl ;kstuk dks iqu% rS;kj fd;k x;k vkSj mls ̂iz/kkuea=h vkokl ;kstuk & xzkeh.k^ ds vUrxZr 01 vizSy] 2016 ls 'kq: dj fn;k x;kA

2-2-1-4 bafnjk vkokl ;kstuk & bafnjk vkokl ;kstuk ,d lkoZtfud vkokl ;kstuk Fkh tks cs?kj vkSj xjhc ifjokjksa dks tks ttZj ;k dPps ?kjksa esa jg jgs Fks] ljdkj }kjk mUgssa vkcafVr Hkwfe ij iDdk edku cukus ds fy;s volj iznku djus gsrq FkhA ;g ;kstuk] fØ;kUo;u dh j.kuhfr ds Hkkx Lo:i] ,sls ykHkkfFkZ;ksa dks ljdkj ls rduhdh vkSj foRrh; lgk;rk miyC/k djkrh FkhA tqykbZ 2013 esa bafnjk vkokl ;kstuk ds la’kksf/kr fn’kkfunsZ’kksa ds vuqlkj] ;kstuk ds vUrxZr fufnZ"V ifjokjksa dks u;s vkokl ds fuekZ.k gsrq lgk;rk miyC/k djkbZ tkrh gS] lgk;rk vof/k de ls de 30 o"kZ gksrh gSA blds vUrxZr ttZj vkSj dPps edkuksa dk mUu;u djkus ds fy;s iqu%iz;ksT; lkexzh dk bLrseky fd;k tkrk gSA blesa mu Hkwfeghu xjhcksa dks Hkwfe miyC/k djkus dk Hkh izko/kku gS ftuds ikl dksbZ vkJ; ugha gS vkSj u gh edku fuekZ.k gsrq Hkwfe gSA bl ;kstuk esa uohu vkSj xzhu izkS|ksfxdh dk iz;ksx djds lLrs edku fuekZ.k djus dk Hkh izLrko gSA iz/kkuea=h vkokl ;kstuk&xzkeh.k vkjaHk gksus ij] bafnjk vkokl ;kstuk dks blesa 'kkfey dj fn;k x;kA bafnjk vkokl ;kstuk dh fo’ks"krkvksa dks lq/kkjksa ds lkFk iz/kkuea=h vkokl ;kstuk&xzkeh.k esa lfEefyr dj fn;k x;kA

20

xzkeh.k {ks=ksa esa vkoklksa dh deh ds fofHkUu dkj.k bdkbZ;ka ¼djksM+½

ifjokjksa dh la[;k ftuds ikl 2012 esa vkokl ugha Fkk 0-42

2012 esa vLFkk;h vkoklksa dh la[;k 2-02

2012 esa HkhM+HkkM+ ds dkj.k deh 1-13

2012 esa vkokl viz;ksT; gksus ds dkj.k deh 0-75

2012 ls 2017 ds nkSjku vfrfjDr vkoklksa dh deh 0-05

2012&2017 esa dqy xzkeh.k vkoklksa dh deh 4-37

2012&2017 esa chih,y ifjokjksa ds fy;s dqy xzkeh.k vkoklksa dh vuqekfur 3-9390 izfr’kr deh


9 xzkeh.k fodkl eaa=ky;] okf"kZd fjiksVZ 2016&17] vkSj dk;kZUo;u gsrq ] ih,e,okbZ&th] ,evks;wMh] flrEcj 2016ÝseodZ

92-2-1-5 iz/kkuea=h vkokl ;kstuk &xzkeh.k ¼ih,e,okbZ&xzkeh.k½

ih,e,okbZ&xzkeh.k dk mÌs’; xzkeh.k {ks=ksa esa fuokl dj jgs lHkh cs?kj ifjokjksa vkSj ttZj gkyr esa fuokl dj jgs ifjokjksa dks lHkh cqfu;knh lqfo/kkvksa ls ;qDr iDds edku miyC/k djkuk gSA dk;ZØe dk mÌs’; xzkeh.k {ks=ksa ds lHkh ifjokjksa dks o"kZ 2022 rd vkokl miyC/k djkuk gSA bl dk;ZØe dh eq[; fo’ks"krk,a fuEukuqlkj gSa %

ih,e,okbZ&xzkeh.k dk iz;kstu xzkeh.k {ks=ksa esa ,d djksM+ vkokl o"kZ 2016&17 ls 2018&19 rd 3 o"kZ ds nkSjku miyC/k djkuk gSA bu ,d djksM+ vkoklksa dh fuekZ.k ykxr dk vuqeku 1]30]075 djksM+ :i;s gS ftlesa Hkkjr ljdkj vkSj jkT; ljdkj dh fgLlsnkjh 60%40 ds vuqikr esa gksxhA ;|fi] iwoksZRrj jkT;ksa ds ekeys esa] jkT; ljdkj dh fgLlsnkjh dsoy 10 izfr’kr gksxhA dsUnz }kjk 'kkflr izns’kksa esa Hkkjr ljdkj }kjk iw.kZ foRr iks"k.k fd;k tk,xkA

eSnkuh bykdksa esa foRrh; lgk;rk 1]20]000 #i;s izfr bdkbZ vkSj igkM+h {ks=ksa esa 1]30]000 #i;s izfr bdkbZ nh tk,xhA

ykHkkFkhZ 'kkSpky; fuekZ.k gsrq LoPN Hkkjr vfHk;ku&xzkeh.k] ,eth,uvkjbZth, ;k fdlh vU; foRr iks"k.k lzakssr ls 12]000 #i;s dh lgk;rk jkf’k izkIr djsxkA

edku fuekZ.k ds fy;s eujsxk ds rgr vdq’ky Jfed etnwjh ds crkSj 90@95 O;fDr fnol ikfjJfed ikus dk izko/kku gS tks mDr bdkbZ lgk;rk ds vfrfjDr gksxkA

ykHkkFkhZ edku fuekZ.k ds fy;s 70]000 #- rd ,sfPNd _.k izkIr dj ldsxkA

;kstuk ds rgr bdkbZ dk fuEure vkdkj 25 oxZ ehVj j[kk x;k gSA

ykHkkfFkZ;ksa dh igpku xzke lHkk vk/kkfjr lkekftd&vkfFkZd vkSj tkfrxr tux.kuk ¼,lbZlhlh 2011½ vkadM+ksa ds vk/kkj ij dh tk,xhA blls ykHkkfFkZ;ksa ds p;u esa ikjnf’kZrk vkSj mÌs’; ijdrk vk,xh rFkk p;u esa vyx fu.kZ; dh vk’kadk de gksxhA

dk;ZØe ds rgr y{;ksa dh izkfIr esa rduhdh lgk;rk iznku djus ds fy;s jk"Vªh; Lrj ij ^jk"Vªh; rduhdh lgk;rk ,tsalh& ¼,uVh,l,½ dk xBu djukA ih,e,okbZ&xzkeh.k ds ykHkkfFkZ;ksa dks] ifj;kstukxr lgk;rk ds vfrfjDr] edku fuekZ.k ds fy;s rduhdh lgk;rk Hkh miyC/k djkbZ tk,xhA

vafre ykHkkfFkZ;ksa dks fuf/k;ksa dk 'krizfr’kr bySDVªkWfud fof/k ls varj.k djus ds fy;s] jkT;ksa@dsUnz’kkflr izns’kksa dks ykHkkfFkZ;ksa ds cSad@Mkd[kkuk [kkrs esa foRrh; lgk;rk lh/ks varfjr djus ds fy;s ,d ,dy jkT; uksMy cSad [kkrk [kksyus dk ijke’kZ fn;k x;k gSA blls ykHkkfFkZ;ksa dks Hkqxrku djus esa nsjh ugha gksxh] xM+cM+h ugha gksus dh laHkkouk de gksxhA

edkuksa ds fujh{k.k ds fy;s xzkeh.k fodkl ea=ky; }kjk ,d ,uMªkW;M vk/kkfjr eksckby ,Iyhds’ku ^^vkokl,i^^ ykap fd;k x;k gSA bl ,Iyhds’ku dh lgk;rk ls edku fuekZ.k ds fofHkUu Lrjksa ij rLohjsa Vkbe LVSEi vkSj ft;ks&VSfxax ls yh tk ldsaxh ftuds vk/kkj ij vf/kdkfj;ksa }kjk tkap iM+rky dh tk ldsxhA mlds ckn og fiDpj ̂^vkokllkW¶V^^ ij viyksM dj nh tk,xhA ykHkkfFkZ;ksa dks ;kstuk ds rgr foRrh; lgk;rk tkjh djus ds fy;s ;g 'krZ vfuok;Z gSA

;kstuk ds rgr edku dk vkcaVu ifr vkSj iRuh ds uke la;qDr :i ls fd;k tk,xk ;fn og fo/kok@vfookfgr@lEcU/k foPNsn O;fDr u gksA jkT; ljdkj ;g vkcaVu dsoy iRuh ds uke Hkh dj ldrh gSA

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edku fuekZ.k dh xq.koRrk dks cuk;s j[kus vkSj xzkeh.k bykdksa esa izf’kf{kr jktfeL=h ugha feyus ds dkj.k] ea=ky; xzkeh.k jkt fefL=;ksa dks fo’ks"k izf’k{k.k nsus esa lgk;rk Hkh djsxhA bl mÌs’; dh izkfIr ds fy;s] xzkeh.k fodkl ea=ky; us Hkkjrh; fuekZ.k n{krk fodkl ifj"kn ¼lh,lMhlhvkbZ½ ls lg;ksx fd;k gS vkSj xzkeh.k jktfeL=;ksa ds fy, ,d DokyhfQds’ku iSd rS;kj fd;k gSA bl DokyhfQds’ku iSd dks jk"Vªh; dkS’ky fodkl fuxe }kjk vuqeksfnr fd;k x;k gSA

;w,uMhih ds lg;ksx ls] xzkeh.k fodkl ea=ky; us ifj;kstuk vfHk’kklu ,oa of/kZr thfodk lgk;rk ¼thvks,,y,l½ ds rgr 18 jkT;ksa esa edkuksa ds fMtkbu tks ogka dh ekSleh ifjfLFkfr;ksa] lkaLd`frd ifjfLFkfr;ksa] ykxr de djus okyh mfpr izkS|ksfxfd;ksa rFkk LFkkuh; miyC/k lkexzh ds iz;ksx tks vkink jks/kh gksrk gS] dk v/;;u djk;k gSA xzkeh.k fodkl ea=ky; us jkT;ksa@dsUnz’kkflr izns’kksa ds lkFk fodflr fMtkbu izkS|ksfxfd;ksa esa tkudkjh gkfly dh tks ykHkkfFkZ;ksa ds fy;s ykHknk;d gS rkfd os vius edku vf/kd etcwr vkSj de ykxr ij cuk ldsaA

bl ;kstuk ds rgr 31 fnlEcj] 2016 rd gqbZ izxfr dks la{ksi esa uhps n’kkZ;k x;k gS %

o"kZ 2016&17 ds fy;s ih,e,okbZ&xzkeh.k ds rgr 15]000 djksM+ #i;s dh vkacfVr jkf'k esa ls 14]290 djksM+ #i;s dh jkf’k tkjh dh tk pqdh gSA bl jkf’k esa ls jkT;ksa@dsUnz 'kkflr izns’kksa }kjk 4645 djksM+ #i;s dh jkf’k dk mi;ksx fd;k x;kA

,lbZlhlh&2011 vkadM+ksa ds vk/kkj ij] bl dk;ZØe ds vUrxZr 1-68 djksM+ ykHkkfFkZ;ksa dks xzke lHkk }kjk lR;kiu vkSj vihyh; izkf/kdj.k }kjk lR;kiu ds ckn ik= ik;k x;kA

xzkeh.k fodkl ea=ky; }kjk jkT;ksa@dsUnz 'kkflr izns’kksa dks 32-64 yk[k vkokl dk y{; lkSaik x;k ftlesa ls 19 jkT;ksa@dsUnz 'kkflr izns’kksa }kjk ftyk vkSj CykWd&okj y{; 24-14 yk[k fu/kkZfjr fd;k x;kA

31 fnlEcj] 2016 rd dqy 21-18 yk[k edkuksa dk fuekZ.k fd;k x;kA

ih,e,okbZ&th ds rgr edkuksa dh eatwjh ds fy;s ̂vkokllkW¶V^ ij 10-44 yk[k ifjokjksa }kjk iathdj.k djk;k x;kA

o"kZ ds nkSjku ih,e,okbZ&th ds rgr 3-5 yk[k vkoklksa dks laLohd`fr nh xbZA

dk;ZØe ds rgr fuekZ.k fd;s tkus okys 4-67 yk[k vkoklksa dks ft;ksVSXM fd;k x;k ¼ykHkkfFkZ;ksa dh ekStwnk vkokl bdkbZ;ksa ds ft;ks&dksvkfMZusV dSIpj lfgr½A

;gka ;g mYys[k djuk vko’;d gS fd ekuuh; iz/kkuea=h us 31 fnlEcj] 2016 dks jk"Vª ds uke vius lacks/ku esa ^xzkeh.k vkokl C;kt lfClMh ;kstuk^ ¼vkj,pvkbZ,l,l½ dks 'kkfey fd;k rkfd lHkh xzkeh.k ifjokj viuk iDdk edku cuok ldsaA xzkeh.k fodkl ea=ky; us bl ;kstuk dks izkFkfed _.knkrk laLFkkuksa ds ek/;e ls fØ;kfUor djkus ds fy;s jk"Vªh; vkokl cSad dks dsUnzh; uksMy ,tsalh ds :i esa mi;qDr ik;kA

2-2-2 dsUnz ljdkj dh 'kgjh vkokl igysa

ns’k esa foxr dqN o"kksZa esa rsth ls 'kgjhdj.k gksrs gq, ns[kkA 1996 ls 2015 dh vof/k esa] 'kgjh tula[;k esa 17-1 djksM+ dh o`f) gqbZA 2011 dh tula[;k ds vkadM+ksa ds vuqlkj] 'kgjh tula[;k dk vuqeku yxHkx 37-7 djksM+ yxk;k x;k Fkk tks fo’o esa nwljh lcls cM+h tula[;k gSA Hkkjr esa 'kgjksa vkSj uxjksa dh la[;k c<+ dj 7]933 gks xbZA egkuxjksa dh la[;k o"kZ 2001 esa 35 Fkh tks o"kZ 2011 esa c<+dj 52 gks xbZ tgka dqy 'kgjh

10tula[;k ds yxHkx 43 izfr’kr yksx gSaA blh vof/k ds nkSjku uxjksa dh la[;k c<+dj 2]532 'kgj gks xbZA

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10 Hkkjr esa vkokl dh fLFkfr] lkaf[;dh ladyu 2013] ,e,p;wih,

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'kgjksa vkSj uxjksa dh la[;k esa bl rst o`f) ds dkj.k vkokl laca/kh leL;k,a c<+ xbZaA 'kgjh vkokl deh ij xfBr rduhdh lewg }kjk 12oha iapo"khZ; ;kstuk ¼2012&17½ esa 1-88 djksM+ bdkbZ;ksa dh deh dk vuqeku

11yxk;kA bl deh dk C;ksjk uhps rkfydk esa n’kkZ;k x;k gSA

rkfydk la- 2-2% 'kgjh {ks=ksa esa vkokl dh deh ds dkj.k

lzksr% 'kgjh vkokl deh ij rduhdh xzqi dh fjiksVZ ¼Vhth&12½¼2012&17½] 2011 vkSj okf"kZd fjiksVZ 2016&17] ,e,p;wih,

122-1-2-1 jktho vkokl ;kstuk

jktho vkokl ;kstuk dks o"kZ 2011 esa 'kq: fd;k x;k Fkk vkSj fØ;kUo;u ds fy;s bls nks pj.kksa esa cuk;k x;kA pj.k 1 ¼twu 2011&13½] rS;kjh okyk pj.k Fkk vkSj pj.k 2 ¼2013 ls 2022½ fØ;kUo;u okyk pj.k FkkA bl ;kstuk dk mÌs’; ̂Lye eqDr Hkkjr^ dk Fkk tgka 'kgjksa ds leku lqfo/kk,a miyC/k gksaxh rFkk tgka lHkh ukxfjdksa dks ,d csgrj vkokl ds lkFk cqfu;knh flfod rFkk lkekftd lsok,a miyC/k gksaxhA ;kstuk ds rgr jkT;ksa @dsUnz 'kkflr izns’kksa dks lHkh Lye {ks=ksa dks vkSipkfjd flLVe ds vanj ykus] ekStwnk vkSipkfjd flLVe dh dfe;ksa dks nwj djus ds fy;s dke djus gsrq izsfjr fd;k rkfd u, Lye u cus vkSj mfpr gLr{ksi djds 'kgjksa esa Hkwfe dh deh dh leL;k dks gy djsaA jktho vkokl ;kstuk vkjaHk gksus ij] ts,u,u;wvkj,e dh ch,l;wih vkSj vkbZ,p,lMhih ds rgr fdlh ubZ ifj;kstuk dks laLohd`r ugha fd;k x;k tcfd ekStwnk ifj;kstukvksa dks ;kstuk vuqlkj dsUnz ls lgk;rk izkIr gksrh jghA 12oha iapo"khZ; ;kstuk dh lekfIr rd] jktho vkokl ;kstuk 250 'kgjksa esa dke dj jgh gksxhA

2-1-2-1-1 jktho vkokl ;kstuk ds fØ;kUo;u esa dsUnz ls jkT;ksa@ dsUnz 'kkflr izns’kksa@ ;w,ych@ vU; dsUnzh; ,tsafl;ksa ls lgk;rk feyrh gSA ifjpkyukRed vk/kkj ij ;g fØ;kUo;u ds fy;s f}Lrjh; iz.kkyh viukrh gS & ̂lEiw.kZ 'kgj^ vk/kkj ij Lye&eqDr 'kgjh ;kstuk dkjZokbZ ¼,l,Qlhihvks,½ dh rS;kjh vkSj p;fur Lyeksa ds fy;s ̂lEiw.kZ Lye^ vk/kkj ij foLr`r ifj;kstuk fjiksVsZa ¼Mhihvkj½ rS;kj djrh gSA ,l,Qlhihvks, dh lq/kkjkRed vkSj fujks/kkRed igy gSA lq/kkjkRed igy ds rgr] ,d izfØ;k ds rgr fodklkRed fodYiksa dks rS;kj fd;k tkrk gS ftlesa Lyeksa dh igpku djuk] eSi cukuk] izksQkby rS;kj djuk] iz;ksT;rk dk fo’ys"k.k fd;k tkrk gS vkSj vkokl ,oa cqfu;knh dfe;ksa ds vk/kkj ij izkFkfedrk fu/kkZfjr dh tkrh gSA fujks/kkRed igy ds rgr vkiwfrZ fodYiksa] vkoklksa dh deh ds ewY;kadu ds vk/kkj ij fopkj fd;k tkrk gS rkfd u, Lye u cusA Mhihvkj rS;kj djrs le; lexzrk ds vk/kkj ij vFkkZr LokLF;] f’k{kk] lkekftd lqj{kk] vkthfodk vkSj 'kgjh ukxfjd cqfu;knh lqfo/kkvksa ls lEc)rk dks /;ku esa j[kk tkrk gSA Mhihvkj esa vk/kkjHkwr flfod cqfu;knh <kaps vkSj lkekftd lqfo/kkvksa tSls tykiwfrZ] lhojst] ukfy;ksa] Bksl dpjk izca/ku igy] vanj dh lM+dksa] lM+dksa ij ykbfVax vkSj lkeqnkf;d lqfo/kkvksa ;Fkk izh&Ldwy] f’k’kq ns[kHkky dsUnzksa] LokLF; dsUnzksa@mi&dsUnzksa] vkthfodk dsUnzksa vkfn dks Hkh 'kkfey fd;k tkrk gSA

11 Hkkjr esa vkokl dh fLFkfr] lkaf[;dh ladyu 2013] ,e,p;wih,12 ,e,p;wih, osclkbV vkSj vkj,okbZ fn’kkfunsZ’k nLrkost] ,e,p;wih,

'kgjh {ks=ksa esa vkokl dh deh & dkj.k bdkbZ;ka ¼djksM+½

lqfo/kk ghu dPps ?kjksa esa jgus okys ifjokj 0-10

ttZj edkuksa esa jgus okys ifjokj 0-23

?kuh cLrh ds ?kjksa ftUgsa u, cukus dh t:jr gS] esa jgus okys ifjokj 1-50

cs?kj fLFkfr esa jgus okys ifjokj 0-05

dqy 'kgjh vkoklksa dh deh ¼2012&2017½ 1-88

2012&2017 dh vof/k esa bZMCY;w,l vkSj ,yvkbZth Jsf.k;ksa esa 'kgjh vkokl esa 1-80dqy deh 96 izfr’kr

23


13 okf"kZd fjiksVZ 2016&17 ,e,p;wih,

2-1-2-1-2 ;kstuk ds rgr edkuksa ds Vkbi esa 'kkfey gSa] Lye fuokfl;ksa ftuds ikl iDds edku ugha gS] ds fy;s u, edku] ekStwnk edkuksa esa mUu;u ;Fkk vfrfjDr dejk cukuk ;k 'kkSpky; cukuk] tykiwfrZ vkSj lQkbZ O;oLFkk djukA ;g lqfo/kk mu ?kjksa ds fy;s gS ftudk {ks=Qy 21&27 oxZ ehVj gSA fdjk;s ds edku ,d vU; fodYi gS tks Lye fuokfl;ksa] Jfedksa] 'kgjh xjhcksa vkSj vU; izoklh yksxksa ds fy;s miyC/k gSA csgrj fuxjkuh vkSj dk;kZUo;u ds fy;s vkoklh; bdkb;ksa ds fuekZ.k esa ykHkkfFkZ;ksa dks 'kkfey djus dk izko/kku gSA ykHkkfFkZ;ksa dks vf/kdre pkj fdLrksa esa /ku miyC/k djk;k tkrk gS& 'kq:vkr djus ij 10 izfr’kr] dqlhZ {ks= ¼fIyaFk½ ij 30 izfr’kr] Nr ysoy rd igaqpus ij 40 izfr’kr] vkSj iwjk gksus ij 20 izfr’kr jkf’k nh tkrh gSA ;g dk;Z ;w,ych] vkokl cksMksZa ;k fodkl izkf/kdj.kksa ds ek/;e ls fd;k tkrk gSA izLrko fd;k x;k gS fd izR;sd Lrj ij lkeqnkf;d Hkkxhnkjh gks rkfd yksxksa dh lgHkkfxrk vkSj lkeqnkf;d LokfeRo lqfo/kktud gks rFkk ;kstuk pyrh jgsA

2-1-2-1-3 jktho vkokl ;kstuk }kjk 'kgjh vfHk’kklu esa {kerkvksa dks mUur djds] ekSfnzd fuiq.krk] Hkwfe cSad cukus] lLrs edku cukus dh izfdz;k dks ljy djuk] Iykfuax vkSj vof/k dh lqj{kk c<+kdj lq/kkj djuk gSA dqN izdkj ds lq/kkj vfuok;Z gSa] buesa 'kkfey gSa &

Lye okfl;ksa tks 5 o"kZ ls vf/kd le; ls fuokl dj jgs gksa] dks nh?kZdkyhu iV~Vk vf/kdkj nsuk ftldk uohudj.k gks lds] ftlds fy;s 'kiFk i= vkSj bPNki= fy;k tk,A

bZMCY;w,l@,yvkbZth Jsf.k;ksa ds fy;s vkokl bdkb;ksa dk 35 izfr’kr ;k fjgk;’kh ,Q,vkj@,Q,lvkbZ ds 15 izfr’kr ls vf/kd vkj{k.k gks rFkk lHkh Hkkoh vkokl ifj;kstukvksa esa ,e,p;wih, }kjk izLrkfor fn’kkfunsZ’kksa ds vuqlkj ØkWl lfClMkbts’ku dh O;oLFkk gksA

uxjikfydk ctV esa 'kgjh xjhcksa dks cqfu;knh lqfo/kkvksa ds fy, 25 izfr’kr fu/kkZfjr djukA

;kstuk vof/k ds nkSjku lkekftd@lkeqnkf;d fodkl vkSj 'kgjh xjhch mUewyu ds fy;s ,d uxjikfydk dSMj cukuk vkSj LFkkfir djukA

2-1-2-1-4 jktho vkokl ;kstuk ds Hkkx Lo:i] lLrs edkuksa dh miyC/krk c<+kuk ^Hkkxhnkjh ds lkFk lLrs vkokl^ ¼,,pih½ ds ek/;e ls laHko gks ldsxkA blds rgr bZMCY;w,l@,yvkbZth bdkb;ksa dh Jsf.k;ksa ds fy;s 75]000 #i;s dh dsUnzh; lgk;rk izkIr gksxhA fdQk;rh vkokl ifj;kstukvksa esa vUn:uh fodkl ds fy;s vusd izdkj dh Hkkxhnkjh] futh Hkkxhnkjh lfgr] dh tk,xhA ,,pih ds rgr ifj;kstukvksa esa de ls de 250 vkokl bdkbZ;ka gksuh pkfg,A ,Q,vkj@,Q,lvkbZ dk de ls de 60 izfr’kr vkokl bdkb;ksa ds fy;s iz;ksx fd;k tk,xk ftudk dqlhZ {ks= 60 oxZ ehVj ls vf/kd ugha gksA

132-1-2-2 iz/kkuea=h vkokl ;kstuk & 'kgjh ¼ih,e,okbZ&’kgjh½

2-1-2-2-1 iz/kkuea=h vkokl ;kstuk & 'kgjh ¼ih,e,okbZ&’kgjh½ dh ?kks"k.kk 25 twu] 2015 dks dh xbZA ljdkj dh rRdkyhu jktho vkokl ;kstuk dk;Zdze dks ih,e,okbZ&’kgjh esa 'kkfey dj fn;k x;kA bl dk;ZØe dks 17 twu] 2015 ls 31 ekpZ] 2022 rd dk;kZfUor djuk gS vkSj 'kgjh xjhcksa vkSj Lye fuokfl;ksa ds fy;s tux.kuk 2011 esa lwphc) 4041 lkafof/kd uxjksa esa nks lkS yk[k bdkbZ;ka fuekZ.k djus dk y{; gSA dk;ZØe ds rgr] 'kgjh {ks=ksa esa vkoklh; cqfu;knh <kapk pkj fo’ks"k fu;ksftr mik;ksa }kjk rS;kj fd;k tk,xk tks bl izdkj gSa & d- izkbosV fodkldksa dh Hkkxhnkjh ls Lye iquokZl ftlesa Hkwfe dks lzksr ds :i esa iz;ksx fd;k tk,xk] [k- lLrs edkuksa ds fodkl ds fy;s _.k lgc) lfClMh nsuk] x- lLrh vkoklh; ifj;kstuk ds fodkl gsrq lkoZtfud {ks= vkSj futh {ks= ls Hkkxhnkjh djuk vkSj ?k- ykHkkfFkZ;ksa dks vkokl fuekZ.k vkSj mUu;u ds fy;s lfClMh nsukA

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2-1-2-2-2 ih,e,okbZ&’kgjh esa Hkh _.k lgc) lfClMh dk izko/kku dsUnzh; lsDVj dh ;kstuk ds :i esa gS] blds rgr bZMCY;w,l@,yvkbZth Jsf.k;ksa ds fy;s edku [kjhnus vkSj edku fuekZ.k gsrq fy;s x, vkokl _.k ij C;kt esa lfClMh nh tkrh gSA ;gka ;g mYys[k djuk vko’;d gS fd ekuuh; iz/kkuea=h us 31 fnlEcj] 2016 dks jk"Vª ds uke vius lEcks/ku esa ;g Hkh dgk Fkk fd bl ;kstuk esa ,evkbZth Js.kh Hkh 'kkfey gSA ;kstuk ds rgr] ,d ykHkkFkhZ ifjokj esa ifr] iRuh vkSj vfookfgr cPps 'kkfey gSaA ykHkkFkhZ ifjokj dk u rks vius ;k vius ifjokj ds fdlh lnL; ds uke Hkkjr ds fdlh Hkh Hkkx esa iDdk edku ¼lHkh ekSle ;ksX; edku½ ugha gksuk pkfg,A bZMCY;w,l@,yvkbZth Jsf.k;ksa ds ykHkkfFkZ;ksa ij ykxw ekunaM uhps rkfydk esa fn;s x;s gSa%

rkfydk la- 2-3 % lh,y,l,l ds rgr bZMCY;w,l@,yvkbZth Jsf.k;ksa ds ykHkkfFkZ;ksa ij ykxw ekunaM

2-1-2-2-3 jkT;ksa@dsUnz’kkflr izns’kksa dks Hkh dqN vfuok;Z 'krksZa dks iwjk djuk gksrk gS tSls vkoklh; tksuksa ds fy;s vyx xSj d`f"k vuqefr dh t:jr dks gVkuk] lLrs vkoklksa ds fy;s Hkwfe dk fu/kkZj.k djuk] ,dy&foaMks le;c) Lohd`fr] Hkkoh Hkou fuekZ.k dh vuqefr vkSj bZMCY;w,l@,yvkbZth vkokl ds fy, ysvkmV laLrqfr] ekStwnk fdjk;k dkuwuksa esa la’kks/ku] vfrfjDr ,Q,vkj@,Q,lvkbZ@VhMhvkj vkSj Lye fodkl vkSj fuEu ykxr ds vkokl ds fy;s ?kuRo ekunaMksa esa <hy nsukA

14 2-1-2-2-4 ;Fkk 31 fnlEcj] 2016 dks ih,e,okbZ&;w ds rgr gqbZ izxfr uhps n’kkZbZ xbZ gS %

29 jkT;ksa vkSj 5 dsUnz’kkflr izns’kksa ds lkFk 34 djkj Kkiuksa ij gLrk{kj fd;s x;s gSaA

bl dk;ØZ e e as 'kkfey dju s d s fy; s 34 jkT;k as vkjS dUs n’z kkflr inz ’s kk as e as 3]619 'kgjk as dk p;u fd;k x;kA

1]808 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 2]874 ifj;kstukvksa esa 14-7 yk[k edkuksa ds fuekZ.k dks fe’ku ds rgr ljdkj }kjk Lohd`fr iznku dh xbZA

14-70 yk[k edkuksa ds fuekZ.k dk;Z iwjk gksus esa yxHkx 23]239 djksM+ #i;s dh dsUnz ljdkj ls lgk;rk feysxhA blesa ls dsUnzh; lgk;rk ds :i esa 6]478 djksM+ #- dh jkf’k lacaf/kr jkT;ksa dks vuqeksfnr ifj;kstukvksa ds fy;s tkjh dj nh xbZ gSA

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14 ,e,p;wih, izxfr fjiksVZ

C;ksjk lh,y,l,l&bZMCY;w,l lh,y,l,l&

1- ykHkkFkhZ ifr $ iRuh vfookfgr cPps

2- ifjokj dh vk; 3]00]000 #i;s rd 3]00]001&6]00]000 #i;s rd

3- dqlhZ {ks= ¼oxZ ehVj½ 30 60

4- vf/kdre _.k jkf’k ftl ij C;kt 6]00]000 #i;s lfClMh miyC/k gS

5- lEifRr dk LFkku tux.kuk 2011 ds vuqlkj lHkh lkafof/kd 'kgj rFkk ckn esa

vf/klwfpr 'kgj

6- iDds edku ij iz;ksT;rk uohuhdj.k@mUu;u ds fy;s ugha

7- efgyk LokfeRo@lg LokfeRo ekStwnk ds fy;s ugha vkSj u;k ysus ds fy, okafNr

8- mi;qDr dk;Z izfØ;k ih,yvkbZ izfØ;k ds vuqlkj

9- ik= _.k jkf’k ih,yvkbZ }kjk ykxw uhfr ds vuqlkj

10- igpku izek.k ;Fkk mfYyf[krA vk/kkj uEcj dks izkFkfedrk

11- vuqikyu vuqeksnu] cqfu;knh flfod cqfu;knh <kapk vkSj ,uchvks] chvkbZ,l rFkk ,uMh,e,] vafre iz;ksx

,yvkbZth

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15- lhvkjth,Q,yvkbZ,p fn’kkfunsZ’k] okf"kZd fjiksVZ 2016&17] ,e,p;wih,16- ts,u,u;wvkj,e & fn’kkfunsZ’k o VwyfdV] okf"kZd fjiksVZ 2016&17] ,e,p;wih,

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14-7 yk[k edkuksa esa ls 2-4 yk[k ?kjksa dks u, fuekZ.k ds fy;s rksM+ fn;k x;k vkSj 44]103 ?kjksa dk fuekZ.k dk;Z iwjk gks x;kA

lh,y,l,l ds rgr] dqy 17]634 nkoksa ds fy;s 316-2 djksM+ #- dh jkf’k laforfjr dj nh xbZA

ih,e,okbZ&’kgjh ds rgr izkS|ksfxdh lc&fe’ku ij] 31 fnlEcj] 2016 rd X;kjg ubZ izkS|ksfxfd;ksa dks viukus ds fy;s fu/kkZfjr dj fn;k x;k gSA

fiNyh jktho vkokl ;kstuk ds rgr 183 ifj;kstukvksa ds izfr nkf;Ro] tks fofHkUu jkT;ksa esa 'kq: gks pqdh Fkha] ih,e,okbZ&’kgjh esa 'kkfey dj fn;k x;kA vizSy 2016 ls fnlEcj 2016 vof/k ds nkSjku] 13]881 vkokl bdkbZ;ksa dk fuekZ.k iwjk gks x;k rFkk 9]940 ij ykHkkfFkZ;ksa dks dCtk ns fn;k x;kA

15 2-1-2-3 fuEu vk; vkokl ds fy;s _.k tksf[ke xkjaVh fuf/k ;kstuk

2-1-2-3-1 fuEu vk; vkokl ds fy;s _.k tksf[ke xkjaVh fuf/k ;kstuk ¼lhvkjth,QVh½ dh LFkkiuk dks dsUnz ljdkj ds eaf=eaMy }kjk 12oha iapo"khZ; ;kstuk ds rgr 1]000 djksM+ #- dh 'kq:vkrh jkf’k ds lkFk laLohd`fr ns nh xbZA ;kstuk ds rgr] U;kl bZMCY;w,l rFkk ,yvkbZth Jsf.k;ksa ds yksxksa dks 8 yk[k #- rd _.kksa ds fy;s fdlh r`rh; i{k dh xkjaVh ;k laikf’oZd izfrHkwfr ds fcuk _.knkrk laLFkkuksa dks _.k tksf[ke xkjaVh iznku djsxkA ;g /;ku fn;k tk, fd ;kstuk ds rgr x`g _.k dh lhek 15 yk[k #- gS] fdarq xkjaVh dsoy 8 yk[k #- dh miyC/k gksxhA 71 cSadksa] vkokl foRr daifu;ksa vkSj ,uch,Qlh us lhvkjth,Q U;kl ds lkFk le>kSrk Kkiu ij gLrk{kj fd;s gSA U;kl us vHkh rd bZMCY;w,l rFkk ,yvkbZth ifjokjksa dks laforfjr 55-85 djksM+ #- ds _.kksa ds fy;s 1]970 vkokl _.kksa ds fy;s xkjaVh doj fn;k gSA jk"Vªh; vkokl cSad fuf/k U;kl dk izca/ku dj jgk gSA

162-1-2-4 tokgjyky usg: jk"Vªh; 'kgjh uohdj.k fe’ku

2-1-2-4-1 ljdkj us tokgjyky usg: jk"Vªh; 'kgjh uohdj.k fe’ku ¼ts,u,u;wvkj,e½ dks 3 fnlEcj] 2005 dks 'kq: fd;k FkkA bl fe’ku dk iz;kstu 'kgjh xjhcksa@Lye fuokfl;ksa ds fy;s vkokl ,oa cqfu;knh lqfo/kk,a miyC/k djkus ds fy;s jkT; ljdkjksa dks lgk;rk iznku djuk FkkA 'kgjh xjhcksa dks cqfu;knh@ewyHkwr lqfo/kkvksa ¼ch,l;wih½ ds rgr lgk;rk ds fy;s 65 'kgjksa dks fpfUgr fd;k x;k tks ts,u,u;wvkj,e ds rgr ,d mi&fe’ku FkkA vU; 'kgjksa vkSj uxjksa ds fy;s] lesfdr vkokl ,oa Lye fodkl dk;ZØe ¼vkbZ,p,lMhih½ ds rgr lgk;rk iznku dh tk,xhA bl fe’ku dh vof/k 2005&06 ls 7 o"kZ Fkh ftls 31 ekpZ] 2017 rd c<+k fn;k x;k rkfd py jgh ifj;kstukvksa dk dke iwjk gks lds ftUgsa 31 ekpZ] 2012 rd eatwjh nh xbZ FkhA

2-1-2-4--2 vkJ; miyC/k djkus ds fy;s fofHku ifj;kstukvksa ds ek/;e ls] fe’ku dk /;ku Lyeksa dk lesfdr fodkl djus dh vksj gS] tgka 'kgjh xjhcksa dks cqfu;knh lqfo/kk,a vkSj lacaf/kr flfod lqfo/kk,a miyC/k djkbZ tk ldsaA fe’ku ds ch,l;wih dk;ZØe ds rgr mÌs’; tSls fd fe’ku VwyfdV esa ifjHkkf"kr fd;k x;k gS] fuEukuqlkj gSa %

'kgjh xjhcksa ds fy;s cqfu;knh lqfo/kkvksa ds lesfdr fodkl ij /;ku dsfUnzr djukA

de dher dks dk;Zdky esa cuk, j[kuk] mUur vkokl] tykiwfrZ] lQkbZA

f’k{kk] LokLF; vkSj lkekftd lqj{kk ds {ks= esa lsok,a miyC/k djkukA

'kgjh xjhcksa dks dk;Z LFky ds lehi] ;Fkk laHko] vkokl miyC/k djkukA

vkfLr l`tu vkSj vkfLr izca/ku ds chp izHkkoh laca/k cukuk rkfd dk;Z{kerk lqfuf’pr gksA

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17- 'kgjh fodkl ,oa 'kgjh vkokl foHkkx] xqtjkr] lEesyu izLrqrhdj.k

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ckWDl 2-1 % xqtjkr

'kgjh xjhcksa dh ewyHkwr lqfo/kkvksa esa dfe;ksa dks nwj djus ds fy;s i;kZIr fuos’k lqfuf’pr djukA

2-1-2-4-3 mÌs’; ftu ij fe’ku lesfdr vkokl vkSj Lye fodkl dk;ZØe ¼vkbZ,p,lMhih½ ;kstuk ds rgr /;ku nsrk gS] fuEukuqlkj gSa %

lexz Lye fodkl vkSj lewg igaqp

LokLF;izn vkSj mi;qDr 'kgjh okrkoj.k vkSj

Lye fuokfl;ksa ds fy, i;kZIr vkJ; vkSj cqfu;knh lqfo/kk,a

fnlEcj 2016 rd fe’ku ds rgr izxfr fuEukuqlkj gS %

ch,l;wih ds rgr 62 'kgjksa vkSj vkbZ,p,lMhih ds rgr 877 'kgjksa dks 'kkfey fd;k x;k gSA

ch,l;wih ds rgr] 62 'kgjksa esa py jgh 478 ifj;kstukvksa dh dqy ykxr 23]126 djksM+ #- ls 7-89 yk[k vkokl bdkbZ;kas ds fuekZ.k gsrq laLohd`fr nh xbZ gSA

vkbZ,p,lMhih ds rgr] 877 'kgjksa esa 1030 ifj;kstukvksa dh dqy ykxr 9]592 djksM+ #- ls 4-52 yk[k vkokl bdkbZ;kas ds fuekZ.k gsrq laLohd`fr nh xbZ gSA

12-41 yk[k vuqeksfnr vkoklksa esa ls] 10-56 yk[k vkoklksa dk fuekZ.k fd;k tk pqdk gS vkSj buesa ls 8-86 yk[k vkoklksa dk ykHkkfFkZ;ksa }kjk dCtk ys fy;k x;k gSA 1-59 yk[k vkokl bdkbZ;ka fuekZ.kk/khu gSaA

ts,u,u;wvkj,e ¼ch,l;wih ,oa vkbZ,p,lMhih½ dss rgr ifj;kstukvksa ds fy;s jkT;ksa@dsUnz’kkflr izns’kksa dks dsUnzh; fgLlsnkjh dh jkf’k 17]907 djksM+ #- laforfjr dh tk pqdh gSA

vizSy 2016 ls fnlEcj 2016 rd vof/k ds nkSjku] ch,l;wih vkSj vkbZ,p,lMhih ds rgr 47]735 vkoklh; bdkbZ;ksa dk fuekZ.k iwjk gks pqdk gS vkSj fiNys o"kZ ds [kkyh iM+s vkoklksa lfgr 79]197 vkoklksa dks dCtk/khu fd;k tk pqdk gSA

2-2-5 vkokl {ks= esa jkT; Lrjh; igysa

jkT; ljdkjksa us vius Lrj ij viuh uhfr;ksa vkSj dk;ZØeksa ds ek/;e ls vkokl miyC/k djkus ds fy;s vusd igysa dh gSaA ;s uhfr;ka vkSj dk;ZØe dsUnz ljdkj dh uhfr;ksa vkSj dk;ZØeksa ds vuq:i gksaxs ;k muds iwjd gksaxsA dqN jkT;ksa ds jkT; Lrjh; dk;ZØe uhps ckDlksa esa fn;s x;s gSaA

17eq[; ea=h x`g ;kstuk

bZMCY;w,l@,yvkbZth Jsf.k;ksa ds fy;s vkokl bdkbZ;ksa dh ek=k c<+kus dh vksj fo’ks"k /;ku nsus vkSj fdQk;rh edkuksa ds fuekZ.k dk;Z esa futh {ks= dh Hkkxhnkjh dks Hkh c<+kus ds fy;s] xqtjkr ljdkj us o"kZ 2013 esa eq[; ea=h x`g ;kstuk ¼,e,ethokbZ½ vkjaHk dhA ;kstuk ds rgr ykHkkfFkZ;ksa ds fy, bdkbZ;ksa dk dqlhZ {ks= bZMCY;w,l Js.kh ds fy, 30 oxZ ehVj] ,yvkbZth&1 Js.kh ds fy;s 40 oxZ ehVj] ,yvkbZth&2 Js.kh ds fy, 50 oxZ ehVj vkSj ,evkbZth Js.kh ds fy, 65 oxZ ehVj gksxkA ,e,ethokbZ ds rgr fofHkUu uhfrxr igysa bl izdkj gSa %

ukxfjd lqfo/kk,a eqgS;k djkuk vkSj 'kgjh xjhcksa dh loZ= igqqap esa lsokvksa dh vksj /;ku nsuk vkSj

27


18- 'kgjh fodkl ,oa 'kgjh vkokl foHkkx] xqtjkr]] fdQk;rh vkokl uhfr19- jkT; esa vPNs dk;ksZ dk ladyu] 2015] ,e,p;wih,

18fdQk;rh vkokl fe’ku 2014 %

Lye iquokZl uhfr 2013 %

,yvkbZth ds fy;s fdQk;rh vkokl gsrq iwathxr lfClMh %

bl fe’ku dss rgr jkT; ljdkj us ikap o"kZ esa 50 yk[k vkokl fuekZ.k dh ;kstuk rS;kj dh gSA buesa ls 22 yk[k edku 'kgjh {ks=ksa esa cuk, tk,axsA bl ;kstuk ds Hkkx Lo:i] bZMCY;w,l@,yvkbZth&1 o 2 rFkk ,evkbZth&1 Jsf.k;ksa ds rgr vkus okys ykHkkfFkZ;ksa dks fdQk;rh ewY; ij cqfu;knh lqfo/kkvksa ls ;qDr HkyhHkkafr fufeZr edku feysaxsA ifj;kstukvksa ij futh {ks= vkSj xqtjkr vkokl cksMZ ds chp lgHkkfxrk ls dke gksxkA futh {ks= dks izksRlkgu nsus ds fy,] ftu Hkw[kaMksa ij oguh; Jsf.k;ksa ds vkoklksa dk fuekZ.k fd;k tk,xk os 3 rd ,Q,lvkbZ ds fy, ik= gksaxsA dqy Hkwfe esa ls tks iz;ksx gsrq miyC/k gksxh] oguh; vkoklksa ds fy, fpfUgr Hkwfe ls vfrfjDr Hkwfe ij fodkld fdlh Hkh izdkj dk fuekZ.k djkus ds fy, Lora= gksxk ftlesa dqy fufeZr {ks= ds 10 izfr’kr rd okf.kfT;d fuekZ.k djk ldsxkA

Û bl ;kstuk esa Lo&LFkkus ij Lye iquokZl dh lqfo/kk gksxhA bldk edln bZMCY;w,l Js.kh ds fy;s oguh; vkokl dh lqfo/kk iznku djuk gSA bl ;kstuk dk fØ;kUo;u xqtjkr 'kgjh fodkl fe’ku ds vUrxZr fofHkUu uxjikfydkvksa] uxj fuxeksa] {ks=h; fodkl izkf/kdj.kksa vkSj xqtjkr vkokl cksMZ }kjk fd;k tk jgk gSA bdkbZ dk {ks= 25 ls 30 oxZ ehVj gksxk ftlesa nks dejs] jlksbZ] Lukukxkj vkSj 'kkSpky; gksxkA bl fHkUu izdkj dh ihihih ;kstuk ds rgr] futh {ks= dks VhMhvkj ds }kjk Hkkx ysus ds fy;s izksRlkfgr fd;k x;k gSA ljdkj ls foRr iksf"kr ;kstuk ds rgr] foRr iks"k.k esa dsUnz ljdkj] jkT; ljdkj@;w,ych vkSj ykHkkfFkZ;ksa ds chp 50 izfr’kr] 38 izfr’kr vkSj 12 izfr’kr ds vuqikr esa Øe’k% fgLlsnkjh gksxhA ;kstuk ds vUrxZr 1]00]000 #- rd foRrh; lgk;rk dk izko/kku gSA

Û ,yvkbZth ds fy;s fdQk;rh vkokl gsrq iwathxr lfClMh % bl ;kstuk dk mÌs’; ,yvkbZth Js.kh ds fy, fdQk;rh vkokl esa lqfo/kk iznku djuk gSA ;kstuk ds rgr bdkbZ dk vkdkj 50 oxZ ehVj rd gks ldrk gSA ;g ;kstuk iw.kZr;k jkT; ljdkj }kjk foRr iksf"kr gSA ;kstuk ds vUrxZr 1]00]000 #- izfr bdkbZ rd foRrh; lgk;rk dk izko/kku gSA

19Û miyfC/k;ka %

å ,e,ethokbZ ds rgr mldh fofHkUu ifj;kstukvksa ds }kjk 4-71 yk[k ls vf/kd vkoklksa ij dke py jgk gS ftuesa ls 1-37 yk[k vkokl ykHkkfFkZ;ksa dks vkcafVr fd;s tk pqds gSaA

å yxHkx 1-16 yk[k vkoklksa dk fuekZ.k iwjk gks pqdk gSA

å yxHkx 60]500 vkoklksa dk <kapk iwjk cu pqdk gS] yxHkx 79]000 vkoklksa dk fuekZ.k dk;Z py jgk gS vkSj yxHkx 62]800 vkokl fufonk izfØ;k ds v/khu gSaA ;s lHkh dk;Z ,d o"kZ ds nkSjku fd;s x;s gSaA

å ihihih iz.kkyh ds rgr 54]000 vkoklksa esa ls Lye iquokZl ds fy, fu/kkZfjr fd;s x;s gSa] 1]000 ls vf/kd edkuksa dk fuekZ.k iwjk gks pqdk gS] 4]000 vkoklksa dk <kapk iwjk cu pqdk gS vkSj yxHkx 4]600 fuekZ.kk/khu gSaA

å fdQk;rh vkoklksa ds fy, 2]13]000 vkoklksa esa ls] 5]000 ls vf/kd vkokl fufeZr gks pqds gSa] 45]000 vkoklksa dk <kapk iwjk cu pqdk gS vkSj yxHkx 57]600 fuekZ.kk/khu gSaA

å Lo&LFkkus Lye iquokZl ;kstuk ds rgr] 2]04]000 ls vf/kd vkokl iquokZl ds fy;s rS;kj fd;s tk jgs gSaA vf/kdka’kr% dk dk;Z 2013&14 vkSj 2014&15 esa 'kq: fd;k x;kA 88]300 ls vf/kd Lye ifjokjksa dks iDds edkuksa esa iquokZflr fd;k tk pqdk gSA

Û


Û


18fdQk;rh vkokl fe’ku 2014 %

28


21 ;Fkk 31 fnlEcj] 2016 dks jkT; esa ih,e,okbZ&’kgjh ds rgr izxfr

20xjhc le`f) ;kstuk

bl ;kstuk dk mÌs’; 'kgjh xjhcksa dks vkoklksa dk LokfeRo iznku djuk gSA bl ;kstuk ds rgr 2]200 djksM+ #- dh jkf’k vkcafVr dh xbZ gSA 2]50]000 bdkb;ksa dk fuekZ.k izLrkfor gSA ;kstuk esa fufeZr izFke vkokl dh Lokfeuh efgyk gksxhA ;kstuk ds vUrxZr ekStwnk bdkb;ksa esa vfrfjDr lqfo/kk,a iznku djuk gS vkSj ;gka cgq eaftyk bekjrsa gkasxhA

21 ;Fkk 31 fnlEcj] 2016 dks jkT; esa ih,e,okbZ&’kgjh ds rgr izxfr

Û bl dk;ZØe ds rgr jkT; esa 171 'kgjksa dk p;u fd;k x;k gSA

Û fe’ku ds rgr 49 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 163 ifj;kstukvksa esa 1]33]347 vkokl fuekZ.k dks Lohd`fr iznku dh xbZ gSA

Û 1]33]347 vkokl fuekZ.k ds fy;s dsUnzh; lgk;rk ds :i esa 1]806 djksM+ #- dk vuqeku yxk;k x;k gSA bl jkf’k esa ls] dsUnzh; lgk;rk ds 695 djksM+ #- jkT; ljdkj dks vuqeksfnr ifj;kstukvksa ds fy, tkjh fd;s tk pqds gSaA

Û 1]33]347 vkoklksa esa ls] 58]824 edkuksa dks uo fuekZ.k ds fy;s fxjk;k x;k vkSj 9]070 vkoklksa dk fuekZ.k dk;Z iwjk gks pqdk gSA

jkT; esa vkokl deh dks nwj djus ds fy,] 'kgjh fodkl vkokl foHkkx vkSj LFkkuh; Lo’kklh ljdkj] jktLFkku us ,d ubZ uhfr & eq[; ea=h tu vkokl ;kstuk&2015 'kq: dhA bl uhfr dh eq[; fo’ks"krk ;g gS fd jkT; esa bZMCY;w,l@,yvkbZth vkokl esa futh {ks= dh Hkkxhnkjh dks c<+kok nsus ds fy;s vusd izko/kku fd;s x;s gSa] blds vfrfjDr vkokl cksMZ] fodkl izkf/kdj.kksa] fodkl U;klksa vkSj 'kgjh LFkkuh; fudk;ksa dh Hkkxhnkjh Hkh gksxhA

22eq[;ea=h tu vkokl ;kstuk&2015

eq[;ea=h tu vkokl ;kstuk&2015 ds eq[; y{; uhps fn;s x;s gSa %

Û jkT; esa bZMCY;w,l@,yvkbZth Js.kh esa vkoklksa dh deh dks nwj djus ds fy, ^lc ds fy, fdQk;rh vkokl^ dk y{; izkIr djukA

Û lekt esa bZMCY;w,l@,yvkbZth oxZ ds fy;s futh fodkldksa dks izksRlkgu nsdj vkoklksa ds fuekZ.k esa futh fuos’k djus ds fy, vkdf"kZr djukA

Û fdQk;rh vkoklksa ds fuekZ.k dk;Z dks djus ds fy, ljdkjh ,tsafl;ksa vkSj futh fodkldksa dks c<+kok nsukA

Û fdQk;rh vkokl ds fy;s Hkwfe dh igpku djuk ftls cM+s vk/kkj ij futh Hkkxhnkjh dks c<+kok nsdj fd;k tk ldrk gSA

Û 'kh?kzrk ds lkFk laLrqfr lqfo/kk nsdj fuekZ.k fodkldksa dh izfØ;k esa rsth ykukA

jkT; ljdkj us bl dk;ZØe ds rgr fodkl ds fuEufyf[kr izk:iksa ds fy, foLr`r fn’kkfunsZ’k rS;kj fd;s gSa &

Û ;w,ych@;wVhvkbZ@fodkl izkf/kdj.k@vkj,pch vkSj futh fodkldksa dh vkoklh; ;kstukA

ckWDl 2-2 % jktLFkku

20- 'kgjh fodkl ,oa 'kgjh vkokl foHkkx] xqtjkr] lEesyu izLrqrh21- ,e,p;wih,] izxfr fjiksVZ22- eq[; ea=h tu vkokl ;kstuk] 2015] uhfr nLrkost 29


Û futh Hkwfe ij izkbosV fodkldksa }kjk Hkkxhnkjh esa oguh; vkoklksa dk fodklA

Û futh Hkwfe ij futh fodkldksa }kjk gh bZMCY;w,l@,yvkbZth ¶ySVksa dk fuekZ.k ¼¶ySV] Hkwry o 3 çk:i ½A

Û futh Hkwfe ij futh fodkldksa }kjk gh bZMCY;w,l@,yvkbZth ¶ySVksa dk fuekZ.k ¼Hkwry o 3 ry ds lkFk IykV rS;kj djuk½

Û Hkwry o 3 eafty vkSj cgq eafty bekjr esa futh Hkou fuekZrk }kjk ljdkjh Hkwfe ij bZMCY;w,l@,yvkbZth vkoklksa dk fuekZ.k djukA

Û 1&3 yk[k vkcknh okys 'kgjksa esa futh fodkldksa }kjk ljdkjh Hkwfe ij fdQk;rh vkoklksa dk fuekZ.kA

futh fodkldksa dks mPp ,Q,vkj vkSj VhMhvkj ds :i esa lqfo/kk nsdj vusd izdkj ls izksRlkgu fn;s tk jgs gSaaA buds vfrfjDr] mUgsa ljdkjh laLohd`fr] laLohd`fr dh QkLV&VªSfdax] Hkwfe ds ØkWl lfClMkbts’ku ds izHkkjksa ls NwV vkSj vkcafVr dqy Hkwfe {ks= ds 10 izfr’kr HkwHkkx dk okf.kfT;d iz;ksx djus vkSj ljdkj dh uksMy ,tsalh }kjk iwoZ fu/kkZfjr njksa ij ¶ySVksa dks okil [kjhnus dh Lohd`fr nh tk jgh gSA

23;Fkk 31 fnlEcj] 2016 dks jkT; esa ih,e,okbZ&;w ds rgr izxfr

Û bl dk;ZØe esa 'kkfey djus ds fy, jkT; esa 183 'kgjksa dk p;u fd;k x;kA

Û bl fe’ku ds rgr 31 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 36]575 vkoklksa ds fuekZ.k gsrq 56 ifj;kstukvksa dks Lohd`fr iznku dh xbZ gSA

Û 670 djksM+ #- dh vuqekfur ykxr ls 36]575 vkoklksa ds fuekZ.k ds fy;s dsUnzh; lgk;rk dks eatwjh nh xbZA bl dsUnzh; lgk;rk jkf’k esa ls 329 djksM+ #- dh jkf’k jkT; ljdkj dks vuqeksfnr ifj;kstukvksa ds fy;s tkjh dj nh xbZA

Û 36]575 vkoklksa esa ls iqufuZekZ.k ds fy, 13]508 edkuksa dks fxjk;k vkSj 9]779 edku cu dj rS;kj gks x;sA

24'kgjh {ks=ksa esa lc ds fy, vkokl uhfr & vksfM'kk 2015

;g uhfr ftldh ?kks"k.kk vksfM'kk ljdkj }kjk dh xbZ] Hkkjr ljdkj dh ^^2022 rd lc ds fy, vkokl^^ dh o`f)r uhfr gSA 12oha iapo"khZ; ;kstuk ¼2012&2017½ esa ’kgjh vkokl deh ij rduhdh xzqi us vksfM'kk jkT; esa yxHkx 4-10 yk[k vkokl bdkbZ;ksa dh deh dk vuqeku yxk;kA bl la[;k esa] Hkqous’oj& dVd {ks= dh yxHkx 3-60 vkokl bdkbZ;ka tqM+ tk,axh D;ksafd vkxkeh n’kd esa bl {ks= esa vkfFkZd o`f) gks pqdh gksxhA vf/kd ekax bZMCY;w,l vkSj ,yvkbZth Jsf.k;ksa esa gksxhA uhfr esa varfuZfgr gh izksRlkgu ç.kkyh dks 'kkfey dj fn;k x;k gS ftlls futh fodkldksa lfgr lHkh i.k/kkjdksa dks vksfM'kk jkT; esa 'kgjh {ks=ksa esa bZMCY;w,l vkSj ,yvkbZth Js.kh ds vkoklksa dk fuekZ.k djus ds fy;s ikz Rs lkgu feyxs kA ljdkj }kjk vkjHa k e as 1]00]000 edkuk as dk fuek.Z k dju s dk y{; fu/kkfZ jr fd;k x;k gAS

uhfr ds rgr fuEufyf[kr igyksa ds }kjk vkokl fuekZ.k gksxk %

Û bZMCY;w,l vkoklksa dk fuekZ.k djuk vfuok;Z gSA

ckWDl 2-3 % vksfM'kk

23- ,e,p;wih, izxfr fjiksVZ 24- 'kgjh {ks=ksa esa lc ds fy, vkokl uhfr] vksfM'kk 2015

30


25- ,e,p;wih, izxfr fjiksVZ 26 egkjk"Vª jkT; ubZ vkokl uhfr ,oa dk;Z ;kstuk 2015

bZMCY;w,l vkSj ,yvkbZth ds vkokl fuekZ.k ds fy,] ljdkj cktkj vk/kkfjr ds fy, izksRlkgu nsrh gSA

Û fdQ;krh vkokl ifj;kstukvksa ds fuekZ.k dh vksj vf/kd /;ku nsukA

Û iqu% vkcaVu vkSj iquokZl

Û fdjk;k vkokl

Û ;Fkk LFkku Lye iqufoZdkl

Û ykHkkFkhZ mUeq[k oS;fDrd vkokl fuekZ.k ;k mUu;u

vksfM'kk vkokl uhfr dh vU; igyksa esa 'kkfey gSa & d½ lHkh izdkj dh vuqefr flaxy foaMks iz.kkyh ls gksxh] [k½ vkosndksa vkSj YkkHkkfFkZ;ksa dk iathdj.k vkWuykbu ck;kseSfVªd oS/krk ls gksxk] blds ckn nLrkostksa dh tkap gksxh] x½ vksfM'kk vkokl fe’ku mu vkosndksa dh lqfo/kk dsUnzksa ds ek/;e ls lgk;rk djsxk ftudh daI;wVj vkSj baVjusV rd igaqp ugha gS vkSj ?k½ lHkh ykHkkFkhZ iathd`r lfefr ds ifj;kstuk Lrj ij lnL; gksaxsA

2531 fnlEcj] 2016 rd ih,e,okbZ&’kgjh ds rgr izxfr

Û bl dk;ZØe esa 'kkfey djus ds fy, jkT; esa 112 'kgjksa dk p;u fd;k x;kA

Û bl fe’ku ds rgr 40 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 46]626 vkoklksa ds fuekZ.k gsrq 63 ifj;kstukvksa dks Lohd`fr iznku dh xbZ gSA

Û 791 djksM+ #- dh vuqekfur ykxr ls 46]626 vkoklksa ds fuekZ.k ds fy;s dsUnzh; lgk;rk dks eatwjh nh xbZA bl dsUnzh; lgk;rk jkf’k esa ls 280 djksM+ #- dh jkf’k jkT; ljdkj dks vuqeksfnr ifj;kstukvksa ds fy;s tkjh dj nh xbZA

Û 46]626 vkoklksa esa ls fuZekZ.k ds fy, 4]025 edkuksa dks fxjk;k x;k vkSj 1]001 edku cu dj rS;kj gq,A

26egkjk"Vª jkT; ubZ vkokl uhfr vkSj dk;Z ;kstuk 2015

ubZ vkokl uhfr dh ?kks"k.kk jkT; ljdkj dh o"kZ 2022 rd 19 yk[k vkokl miyC/k djkus dh i`"BHkwfe esa dh xbZ ftlesa bZMCY;w,l] ,yvkbZth vkSj ,evkbZth vkokl dh vksj vf/kd /;ku fn;k tk,xkA bl uhfr ds rgr eqEcbZ egkuxj {ks= esa 11 yk[k vkoklksa vkSj bl {ks= ls 8 yk[k vkoklksa dk fuekZ.k djus dk y{; fu/kkZfjr fd;k x;kA bl ubZ uhfr dk mÌs’; ̂ ^lc ds fy, vkokl^^ FkkA bl mÌs’; ds vuq:i uhfr ds funsZ’kksa dk uhps n’kkZ;k x;k gS%

Û fdQk;rh vkoklksa ds fy;s Hkwfe cSad dk lrr l`tu ftlesa ljdkjh Hkwfe vkSj futh {ks= dh Hkwfe dks j[kk tk,xkA

Û cktkj esa fdQk;rh vkoklksa dh miyC/krk c<+kuk rkfd miHkksDrk dks fdQk;rh vkokl fey ldsaA

Û iqufoZdkl dks izksRlkgu nsdj miyC/k Hkwfe dk vf/kdre mi;ksxA

Û fuekZ.k

ckWDl 2-4 % egkjk"Vª

31



xhrkatfy

Û i;kZoj.k dk /;ku j[krs gq, thou dks mUur cukuk] thou Lrj esa lq/kkj djukA

Û dkjksckj djuk vklku cukukA

bl uhfr ds rgr vusd fo’ks"k mik;ksa dh ?kks"k.kk dh xbZ rkfd bZMCY;w,l@,yvkbZth oxksZa dh vkokl leL;k gy gks ldsA bl oxZ dh lgk;rk gsrq] egkjk"Vª vkokl ,oa {ks= fodkl izkf/kdj.k ¼EgkMk½ 1]000 djksM+ #- ds izkjfEHkd dks"k ds lkFk LFkkiuk djsxkA vkoklksa dh fcØh vkSj [kjhn ij LVkEi M~;wVh vkSj iathdj.k 'kqYd Hkh ?kVkdj bZMCY;w,l] ,yvkbZth vkSj ,evkbZth ds fy, Øe’k% 1 izfr’kr] 2 izfr’kr vkSj 3 izfr’kr dj fn;k x;kA U;wure iathdj.k 'kqYd 1]000 #- olwyk tk,xkA

bZMCY;w,l@,yvkbZth vkoklksa ds fy;s U;wure ewY; ij vkSj ,evkbZth @,pvkbZZth vkokl ds fy, ekStwnk lfdZy nj ij ljdkjh Hkwfe dks vkcafVr djds vkoklksa dh miyC/krk c<+kbZ tk,xhA uhfr ds rgr fdQk;rh vkoklksa ds fy,s egkMk] lhvkbZMhlhvks vkSj ,e,evkjMh, tSlh ,tsafl;ksa }kjk futh Hkwfe dk vf/kxzg.k djus dk Hkh izko/kku gSA oguh; vkoklh; ifj;kstukvksa ds fy;s mPp ,Q,lvkbZ nsdj] dqN 'krksZa ds lkFk] izkbosV fodkldksa dh Hkkxhnkjh dks Hkh c<+kok fn;k tk jgk gSA jkT; ljdkj us Hkwfe lalk/kuksa dk vf/kdre iz;ksx djus ds fy;s egkMk] 'kgjh uohdj.k ;kstukvksa] ̂^pkWy^^ ds iqufoZdkl rFkk Lye mUu;u d s fy;]s iuq oklZ o iuq fodZ kl d s fy; s vuds ub Z vkjS iuq fodZ kl igyk as dh ?kk"s k.kk dh gAS

27;Fkk 31 fnlEcj] 2016 rd jkT; esa ih,e,okbZ&’kgjh ds rgr izxfr

Û dk;ZØe esa 'kkfey djus ds fy, jkT; esa 142 'kgjksa dk p;u fd;k x;kA

Û 22 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 1]19]102 vkoklksa dk fuekZ.k djus ds fy, 49 ifj;kstukvksa dks fe’ku ds rgr Lohd``fr nh xbZA

Û 1]19]102 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 1]775 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 372 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s tk pqds gSaA

if’pe caxky ljdkj }kjk vius vkokl foHkkx ds ek/;e ls jkT; esa fdQk;rh vkoklksa dh ekax dks iwjk djus vkSj fo’ks"kdj 'kgjh xjhcksa vkSj lekt ds bZMCY;w,l Js.kh ds yksxksa ds fy;s vkoklksa ds fuekZ.k gsrq vusd ;kstukvksa dks vkjaHk fd;k gSA jkT; ljdkj }kjk miyC/k djkbZ xbZ dqN ;kstuk,a fuEukuqlkj gSa %

xhrkatfy % ;g ;kstuk vU; ljdkjh foHkkxksa ds lg;ksx ls xzkeh.k bykdksa vkSj xSj&uxjikfydk 'kgjh {ks=ksa esa miyC/k djkbZ tk jgh gSA 2014 esa] if’pe caxky ljdkj us ,d Kkiu ds }kjk ?kks"k.kk dh Fkh fd bl ;kstuk dks bafnjk vkokl ;kstuk ds vk/kkj ij iqu% rS;kj fd;k tk,xkA bl ;kstuk dk mÌs’; bZMCY;w,l Js.kh ds yksxksa dks vkokl miyC/k djus rFkk Hkou fuekZ.k Jfedksa ds fy, vfrfjDr jkstxkj ds volj miyC/k djkuk gSA ;kstuk ds rgr] ykHkkFkhZ Lo;a edku cuok,axs vkSj chp esa fdlh fufonk ,tsalh dks ugha yk;k tk,xkA 6]000 #- rd ;k de vk; okys ifjokj blds ik= gksaxsA chih,y Js.kh ds yksxksa dks izkFkfedrk nh tk,xhA ;g ;kstuk jkT; ds 'kgjh rFkk xzkeh.k nksuksa {ks=ksa esa ykxw gksxhA

xzkeh.k {ks=ksa esa ykHkkfFkZ;ksa dh Hkwfe ij ,sls u, vkokl ds fuekZ.k ij ykxr ogka dh HkkSxksfyd] fHkUu izdkj dh feV~Vh vkSj tyok;q ds vuqlkj fHkUu&fHkUu gksxh%

Û i;kZoj.k dk /;ku j[krs gq, thou dks mUur cukuk] thou Lrj esa lq/kkj djukA

Û dkjksckj djuk vklku cukukA

bl uhfr ds rgr vusd fo’ks"k mik;ksa dh ?kks"k.kk dh xbZ rkfd bZMCY;w,l@,yvkbZth oxksZa dh vkokl leL;k gy gks ldsA bl oxZ dh lgk;rk gsrq] egkjk"Vª vkokl ,oa {ks= fodkl izkf/kdj.k ¼EgkMk½ 1]000 djksM+ #- ds izkjfEHkd dks"k ds lkFk LFkkiuk djsxkA vkoklksa dh fcØh vkSj [kjhn ij LVkEi M~;wVh vkSj iathdj.k 'kqYd Hkh ?kVkdj bZMCY;w,l] ,yvkbZth vkSj ,evkbZth ds fy, Øe’k% 1 izfr’kr] 2 izfr’kr vkSj 3 izfr’kr dj fn;k x;kA U;wure iathdj.k 'kqYd 1]000 #- olwyk tk,xkA

bZMCY;w,l@,yvkbZth vkoklksa ds fy;s U;wure ewY; ij vkSj ,evkbZth @,pvkbZZth vkokl ds fy, ekStwnk lfdZy nj ij ljdkjh Hkwfe dks vkcafVr djds vkoklksa dh miyC/krk c<+kbZ tk,xhA uhfr ds rgr fdQk;rh vkoklksa ds fy,s egkMk] lhvkbZMhlhvks vkSj ,e,evkjMh, tSlh ,tsafl;ksa }kjk futh Hkwfe dk vf/kxzg.k djus dk Hkh izko/kku gSA oguh; vkoklh; ifj;kstukvksa ds fy;s mPp ,Q,lvkbZ nsdj] dqN 'krksZa ds lkFk] izkbosV fodkldksa dh Hkkxhnkjh dks Hkh c<+kok fn;k tk jgk gSA jkT; ljdkj us Hkwfe lalk/kuksa dk vf/kdre iz;ksx djus ds fy;s egkMk] 'kgjh uohdj.k ;kstukvksa] ̂^pkWy^^ ds iqufoZdkl rFkk Lye mUu;u d s fy;]s iuq oklZ o iuq fodZ kl d s fy; s vuds ub Z vkjS iuq fodZ kl igyk as dh ?kk"s k.kk dh gAS




Û 1]19]102 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 1]775 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 372 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s tk pqds gSaA

if’pe caxky ljdkj }kjk vius vkokl foHkkx ds ek/;e ls jkT; esa fdQk;rh vkoklksa dh ekax dks iwjk djus vkSj fo’ks"kdj 'kgjh xjhcksa vkSj lekt ds bZMCY;w,l Js.kh ds yksxksa ds fy;s vkoklksa ds fuekZ.k gsrq vusd ;kstukvksa dks vkjaHk fd;k gSA jkT; ljdkj }kjk miyC/k djkbZ xbZ dqN ;kstuk,a fuEukuqlkj gSa %

xhrkatfy % ;g ;kstuk vU; ljdkjh foHkkxksa ds lg;ksx ls xzkeh.k bykdksa vkSj xSj&uxjikfydk 'kgjh {ks=ksa esa miyC/k djkbZ tk jgh gSA 2014 esa] if’pe caxky ljdkj us ,d Kkiu ds }kjk ?kks"k.kk dh Fkh fd bl ;kstuk dks bafnjk vkokl ;kstuk ds vk/kkj ij iqu% rS;kj fd;k tk,xkA bl ;kstuk dk mÌs’; bZMCY;w,l Js.kh ds yksxksa dks vkokl miyC/k djus rFkk Hkou fuekZ.k Jfedksa ds fy, vfrfjDr jkstxkj ds volj miyC/k djkuk gSA ;kstuk ds rgr] ykHkkFkhZ Lo;a edku cuok,axs vkSj chp esa fdlh fufonk ,tsalh dks ugha yk;k tk,xkA 6]000 #- rd ;k de vk; okys ifjokj blds ik= gksaxsA chih,y Js.kh ds yksxksa dks izkFkfedrk nh tk,xhA ;g ;kstuk jkT; ds 'kgjh rFkk xzkeh.k nksuksa {ks=ksa esa ykxw gksxhA

xzkeh.k {ks=ksa esa ykHkkfFkZ;ksa dh Hkwfe ij ,sls u, vkokl ds fuekZ.k ij ykxr ogka dh HkkSxksfyd] fHkUu izdkj dh feV~Vh vkSj tyok;q ds vuqlkj fHkUu&fHkUu gksxh%

ckWDl 2-5 % if’pe caxky

32


xSj uxjikfydk v/kZ 'kgjh {ks=ksa esa u, fuekZ.k ds fy, ,sls vkokl dh ykxr fuEukuqlkj gksxh %

fiNM+k {ks= vuqnku fuf/k ds rgr vkokl ;kstuk,a ¼chvkjth,Q½ %

Û eSnkuh bykds ds xzkeh.k {ks=ksa ds fuoklh ykHkkfFkZ;ksa dks 1-67 yk[k #i;sA

Û xSj rVh; {ks=ksa ds fuoklh eNqvkjksa dks 1-23 yk[k #i;s ftls erL; foHkkx }kjk ykxw fd;k tk,xkA

Û lqUnjcu ds ou {ks=ksa ds fuoklh ykHkkfFkZ;ksa dks ¼ftls ou foHkkx }kjk ykxw fd;k tk,xk½] vkSj vU; xSj&ou rVh; {ks=ksa ds fuoklh ykHkkfFkZ;ksa dks 1-94 yk[k #i;s ftls lqUnjcu ekeys foHkkx ,oa erL; foHkkx }kjk ykxw fd;k tk,xkA

Û nkftZfyax ftyk ds taxy ds fudVorhZ {ks=ksa vkSj igkM+h {ks=ksa esa taxy ds xkaoksa ds fuoklh ykHkkfFkZ;ksa dks 2-51 yk[k #- ftls ou foHkkx }kjk ykxw fd;k tk,xkA

Û tyikbZxqM+h ftyk ds taxy ds xkaoksa ds fuoklh ykHkkfFkZ;ksa dks 3 yk[k #- ftls ou foHkkx }kjk ykxw fd;k tk,xkA

xSj uxjikfydk v/kZ 'kgjh {ks=ksa esa u, fuekZ.k ds fy, ,sls vkokl dh ykxr fuEukuqlkj gksxh %

Û ykHkkFkhZ dh Hkwfe ij ,d eafty vkokl fuekZ.k ds fy, 1-67 yk[k #-A

Û dk;kZUo;udkjh ljdkjh ,tsalh dh viuh Hkwfe ij ;k ljdkjh tehu ij cgq eaftyh bekjr ds fy, 3-30 yk[k #-A

;kstuk ds rgr o"kZ 2014&15 rd 42]535 bdkbZ;ksa ds fuekZ.k gsrq laLohd`fr nh xbZ vkSj 300 djksM+ #- dh jkf’k tkjh dh xbZA

fiNM+k {ks= vuqnku fuf/k ds rgr vkokl ;kstuk,a ¼chvkjth,Q½ % chvkjth,Q ds fo’ks"k vuqnku ds rgr jkT; ds 11 fiNM+s ftyksa ¼iq:fy;k] if’pe esfnuhiqj] iwoZ esfnuhiqj] cadqjk] tyikbZxqM+h] chjHkwe] nf{k.kh 24&ijxuk] ekYnk] eqf’kZnkckn] mRrjh fnuktiqj vkSj nf{k.kh fnuktiqj½ rFkk ys¶V foax mxzoknh {ks= esa 34]758 vkokl fuekZ.k dk izLrko fd;k x;kA bl izLrko dks Hkkjr ds ;kstuk vk;ksx }kjk laLohd`fr nh xbZA dsUnz ljdkj us bl ifj;kstuk ds fy, dsUnzh; dks"k ls 117 djksM+ #i;s dh jkf’k eatwj dj nh vkSj izFke pj.k esa 40 djksM+ #- dh jkf’k vkcafVr Hkh dj nhA ifj;kstuk dk dqy ykxr O;; 160 djksM+ #- gSA bu vkokl bdkb;ksa dk dqlhZ {ks= 20 oxZ ehVj gksxkA ioZrh;] rVh; {ks= vkSj taxy egy {ks= esa ,d bdkbZ dh ykxr 48]500 #- gksxhA vU; {ks=ksa esa bdkbZ ykxr 45]000 #- gksxhA chih,y Js.kh esa lwphc) ifjokj mDr ;kstuk ds ik= gksaxsA




Û 1]22]731 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 1]849 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 461 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s x;sA

Û 1]22]731 vkoklksa esa ls] 27]568 vkokl u, fuekZ.k gsrq fxjk;s x;s vkSj 1]649 vkoklksa dk fuekZ.k iwjk gks pqdk gSA


33


vVy vkokl ;kstuk %

nhun;ky vkokl ;kstuk %

dq’kkHkkÅ Bkdjs vkokl ;kstuk %

vVy fogkj vkokl ;kstuk %

ckWDl 2-6 % NÙkhlx<+

NÙkhlx<+ jkT; ljdkj us bZMCY;w,l] ,yvkbZth vkSj ,evkbZth Js.kh ds yksxksa ds fy, vkokl fuekZ.k dk fotu viuk;k gSA blds dk;kZUo;u esaa] jkT; ljdkj us i;kZIr la[;k esa cqfdax izkIr gksus ds ckn gh ,d ifj;kstuk dk 'kqHkkjaHk fd;kA bdkb;ksa ds fMtkbuksa ij HkyhHkkafr fopkj] v/;;u vkSj fd;k x;k rFkk csgrj fMtkbZuksa dks Lohdkj fd;k x;kA ljdkj us NÙkhlx<+ vkokl cksMZ dks lkekftd vkoklh; ifj;kstukvksa ds fy, fj;k;rh nj ij Hkwfe miyC/k djkbZA jkT; esa ykxw ;kstuk,a fuEukuqlkj gSa %

vVy vkokl ;kstuk % ;g bZMCY;w,l ds fy, jkT; izk;ksftr ;kstuk gSA bl ;kstuk ds rgr] CykWd eq[;ky; esa 60]000 #- ls de okf"kZd vk; okys ifjokj ik= gksaxsA 560 oxZ QqV {ks= esa fufeZr vkokl Lora= bdkbZ gksxk ftlesa fufeZr {ks= 280 oxZ QqV gksxkA vkokl dh dher 1-10 yk[k #- gksxhA bl ;kstuk ds rgr 19]000 vkoklh; bdkbZ;ksa dk fuekZ.k ;k rks iwjk gks pqdk gS ;k fuekZ.kk/khu gSaA

nhun;ky vkokl ;kstuk % ;g ,yvkbZth Js.kh ds fy, jkT; izk;ksftr ;kstuk gSA bl ;kstuk ds rgr] ftyk eq[;ky; esa 1]20]000 #- ls de okf"kZd vk; okys ifjokj ik= gksaxsA vkokl Lora= bdkbZ gksaxs ;k ,d bekjr esa Hkwry lfgr nks vkokl gksaxsA izR;sd bdkbZ dk dqlhZ {ks= 455 ls 487 oxZ QqV gksxkA vkokl dh dher 2-25 yk[k #- gksxhA bl ;kstuk ds rgr 14]700 vkoklh; bdkbZ;ksa dk fuekZ.k ;k rks iwjk gks pqdk gS ;k fuekZ.kk/khu gSaA

dq’kkHkkÅ Bkdjs vkokl ;kstuk % ;g ,evkbZth Js.kh ds fy, NÙkhlx<+ vkokl cksMZ }kjk izk;ksftr ;kstuk gSA bl ;kstuk ds rgr] ftyk eq[;ky; esa 2]00]000 #- ls de okf"kZd vk; okys ifjokj ik= gksaxsA vkokl MqiysDl bdkbZ gksaxsA izR;sd bdkbZ dk dqlhZ {ks= 600 oxZ QqV gksxkA vkokl dh dher 4-50 yk[k #- ls 6-00 yk[k #- rd gksxhA bl ;kstuk ds rgr 700 vkoklh; bdkbZ;ksa dk fuekZ.k ;k rks iwjk gks pqdk gS ;k fuekZ.kk/khu gSaA

vVy fogkj vkokl ;kstuk % ;g fefJr vkoklksa dh jkT; izk;ksftr ;kstuk gSA bl ;kstuk dk mÌs’; CykWd eq[;ky; esa vkokl miyC/kr c<+kuk gSA ;kstuk ds rgr] bZMCY;w,l ds fy;s 80]000 #- vkSj ,yvkbZth ds fy;s 40]000 #- dh lfClMh izfr vkoklh; bdkbZ dk izko/kku gSA ljdkj }kjk 1 #- izfr oxZ QqV dh nj ls tehu miyC/k djkbZ tkrh gSA



Û 16 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 29]268 vkoklksa dk fuekZ.k djus ds fy, 51 ifj;kstukvksa dks fe’ku ds rgr Lohd``fr nh xbZA

Û 29]268 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 437 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 162 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s x;sA

Û 29]268 vkoklksa esa ls] 3]129 vkokl u, fuekZ.k gsrq fxjk;s x;s vkSj 834 vkoklksa dk fuekZ.k iwjk gks x;kA


34


ckWDl 2-7 % dukZVd

dukZVd jkT; ljdkj jktho xka/kh xzkeh.k vkokl fuxe fy0 ¼vkjthvkj,plh,y½ ds ek/;e ls lekt ds bZMCY;w,l Js.kh ds yksxksa dks vkokl miyC/k djkus esa lgk;rk djrh gSA ;g ,lihoh gS ftlls jkT; ljdkj dks ykHkkfFkZ;ksa rd ;kstuk dk ykHk igaqpkus esa enn feyrh gSA vkjthvkj,plh,y ds eq[; mÌs’; fuEukuqlkj gSa %

Û jkT; Hkj esa bZMCY;w,l Js.kh ds fy;s fdQk;rh vkokl vkokl miyC/k djkukA

Û xzke iapk;rksa vkSj ,uthvks ls lgHkkfxrkA

Û edkuksa ds fMtkbu] lkexzh vkSj izkS|ksfxdh esa Lo&lgk;rk ls yksxksa dks fodYi miyC/k djkukA

Û ^^fufeZrh dsUnzksa^^ dks etcwr djds vkSj u, dsUnz LFkkfir djds fo’ks"k :i ls xzkeh.k {ks=ksa esa fdQk;rh Hkou fuekZ.k izkS|ksfxdh dks c<+kok nsukA

Û lalk/kuksa dks c<+kuk vkSj fuf/k;ksa ds iqu% ifjpkyu dks lqfuf’pr djukA

Û ykHkkfFkZ;ksa dks vkokl ds fy;s cpr djus vkSj vkokl _.k pqdkus esa leFkZ cukus ds fy;s pyrs jgus okys vkokl dk;ZØe dks c<+kok nsukA

Û izca/ku esa ikjnf’kZrk vkSj l{kerkA

daiuh ykHkkfFkZ;ksa ds :i esa dsoy efgykvksa dk p;u djrh gSA daiuh Lo&lgk;rk vkokl dks c<+kok nsrh gS vkSj ykHkkfFkZ;ksa dh igyksa esa lg;ksx djrh gSA ;g laforfjr _.k dh olwyh ds fy;s ykHkkFkhZ ls fe=rk iw.kZ ra= vkSj cprksa dks c<+kok nsrh gSA fofHkUu ;kstukvksa ds rgr py jgh xfrfof/k;ksa dks fu;af=r djus ds fy;s lwpuk izkS|ksfxdh dk iz;ksx fd;k tkrk gSA vkjthvkj,plh,y dh ;kstukvksa ds ek/;e ls fd;s lesfdr iz;klksa ls izkIr ykHk fuEukuqlkj gSa %

Û bZMCY;w,l Js.kh ds fy, fofHkUu ;kstukvksa ds rgr 28 yk[k vkoklksa dk fuekZ.k fd;k x;kA Û dqN vPNs mik;ksa tSls lgh ykHkkfFkZ;ksa dk p;u] ykHkkfFkZ;ksa dk 'kh?kz vuqeksnu] ,d ekg ds vanj

vkokl dk fuekZ.k dk;Z 'kq: djuk] vkSj vk/kkj uEcj ysdj ykHkkfFkZ;ksa dks iqu% ykHk ysus ls jksduk] dks ykxw fd;k x;k gSA

Û ykHkkfFkZ;ksa dks cYd eSlst ds ekè;e ls vkoklh; ;kstukvksa ds dk;kZUo;u ds fo"k; esa lwfpr fd;k tkrk gS tks fd ;kstuk esa ikjnf'kZrk dks n'kkZrh gSA

Û yksxksa@ykHkkfFkZ;ksa dks muds njokts ij lsok,a miyC/k djkds vkokl ;kstukvksa dk mfpr vkSj izHkkoh <ax ls dk;kZUo;u fd;k tk jgk gSA

Û daiuh }kjk yh xbZa vusd igyksa ds dkj.k rhljs i{k dh gLr{ksi iw.kZr;k lekIr gks xbZ gSA 30;Fkk 31 fnlEcj] 2016 rd jkT; esa ih,e,okbZ&;w ds rgr izxfr



Û 1]14]455 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 2009 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 587 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s x;sA


35


vVy vkJ; ;kstuk %

Lyeksa ds Lo&LFkkusa ij iqufoZdkl ds fy;s ihihih ;kstuk %

xzhuQhYM fdQk;rh vkokl ifj;kstukvksa ds fy;s ihihih ;kstuk& 2014 %

Mªk¶V fdQk;rh vkokl uhfr&2015 %

Hkwfe iwfyax ds fy, Mªk¶V fu;ekoyh& 2015 %

1]14]455 vkoklksa esa ls] 18]413 vkokl u, fuekZ.k gsrq fxjk;s x;s vkSj 8]756 vkoklksa dk fuekZ.k iwjk gks x;kA

jkT; ljdkj dh vkokl ;kstuk fuEufyf[kr dk lekos’k gS %

Û e/; izns’k fotu nLrkost &2018 esa e/; izns’k esa 'kgjh {ks=ksa 5 yk[k oguh; vkokl bdkbZ;ka fuekZ.k dk y{; fu/kkZfjr fd;k x;k gSA

Û ihihih ds rgr futh {ks= ds lg;ksx ls 2-5 yk[k bdkbZ;ksa dk fuekZ.k djukA

Û dsUnz }kjk izk;ksftr ;kstuk ds rgr 1-5 yk[k bdkbZ;ksa dk fuekZ.k djukA

Û jkT; }kjk izk;ksftr ;kstuk ds rgr 1 yk[k bdkbZ;ksa dk fuekZ.k djukA

jkT; ljdkj us vius yksxksa ds fy, vusd dk;ZØeksa dh ?kks"k.kk dh gS %

Û vVy vkJ; ;kstuk % ;g dk;ZØe bZMCY;,l vkSj ,yvkbZth Jsf.k;ksa ds fy;s gSA bl ;kstuk ds rgr ljdkjh Hkwfe ifj;kstukvksa ds fy;s cgqr gh de ewY; ij miyC/k djkbZ tkrh gSA

Û Lyeksa ds Lo&LFkkusa ij iqufoZdkl ds fy;s ihihih ;kstuk % jkT; ljdkj us Lye LFkyksa ij bZMCY;,l vkSj ,yvkbZth Jsf.k;ksa ds fy;s vkokl fuekZ.k ds fy;s ihihih ekWMy dk iz;ksx djus dk izLrko fd;k gSA

Û xzhuQhYM fdQk;rh vkokl ifj;kstukvksa ds fy;s ihihih ;kstuk& 2014 % bl ;kstuk ds rgr ljdkj iw.kZr;k fufeZr bZMCY;,l vkSj ,yvkbZth vkoklksa ds cnys Hkwfe miyC/k djkrh gSA

Û Mªk¶V fdQk;rh vkokl uhfr&2015 % ;g jkT; ljdkj dh ,d izeq[k uhfr gS ftlds }kjk jkT; ljdkj ̂ ^2022 rd lcds fy;s vkokl^^ dk;ZØe ds rgr Hkkjr ljdkj ds vuq:i viuh vksj ls igyksa dk izLrko djrh gSA

Û Hkwfe iwfyax ds fy, Mªk¶V fu;ekoyh& 2015 % fu;eksa ds bl lsV esa] jkT; ljdkj us vkokl vkSj cqfu;knh ifj;kstukvksa ds fy;s Hkwfe iwfyax djus gsrq VsDuks&yhxy <kapk rS;kj fd;k gSA




Û 1]08]729 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 1]729 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 527 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s x;sA

Û 1]08]729 vkoklksa esa ls] 34]593 vkokl u, fuekZ.k gsrq fxjk;s x;s vkSj 1]296 vkoklksa dk fuekZ.k iwjk gks x;kA

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ckWDl 2-8- e/; izns’k


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ckWDl 2-9 % mÙkj izns’k

2-3 foÙkh; lq/kkj

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jkT; ljdkj us fnukad 9 vxLr] 2016 dks ,d ifji= tkjh djds ?kks"k.kk dh fd mlds lHkh vkokl dk;ZØeksa dks Hkkjr ljdkjh dh ih,e,okbZ ;kstuk ds vuq:i cuk;k tk,xkA dk;ZØe ds rgr bZMCY;w,l vkSj ,yvkbZth Jsf.k;ksa dks lgk;rk nh tk,xhA Hkkjr ljdkj visf{kr fuf/k;ksa ds 60 izfr’kr rd foRrh; lgk;rk iznku djsxh tcfd 'ks"k visf{kr jkf’k dh O;oLFkk jkT; ljdkj }kjk dh tk,xhA jkT; ljdkj us lwfpr fd;k fd uxj fuxeksa@uxjikfydk {ks=ksa esa ifj;kstukvksa ds fy;s jkT; 'kgjh fodkl izkf/kdj.k dks uksMy ,tsalh ds :i esa dk;Z djuk pkfg, vkSj mls fofHkUu ljdkjh foHkkxksa vkSj lfefr;ksa ls lEidZ djds visf{kr t:jrksa dks iwjk djuk gksxkA vU; {ks=ksa ds fy;s] ̂ ^vkokl ca/kq^^ dks leUo; djuk pkfg,A vkokl ,oa 'kgjh ;kstuk foHkkx ds v/khu vkokl ca?kq ,d 'kh"kZ laLFkku gS tks vkokl {ks= esa dk;Z fu"ikndrk dks ns[krk gS rFkk v/khuLFk foHkkxksa@,tsafl;ksa ;Fkk Vkmu ,aM daVªh ;kstuk foHkkx] fodkl izkf/kdj.kksa rFkk mRrj izns’k vkokl ,oa fodkl cksMZ ds dk;Zdykiksa esa leUo; djrk gSA



Û 48 'kgjksa esa bZMCY;w,l Js.kh ds fy;s 19]695 vkoklksa dk fuekZ.k djus ds fy, 53 ifj;kstukvksa dks fe’ku ds rgr Lohd``fr nh xbZA

Û 19]695 vkoklksa dk fuekZ.k iwjk gksus ds fy;s dsUnzh; lgk;rk ds :i esa 449 djksM+ #- dk vuqeku yxk;k x;kA blesa ls] dsUnzh; lgk;rk ds :i esa 128 djksM+ #- vuqeksfnr ifj;kstukvksa ds fy;s jkT; ljdkj dks tkjh fd;s x;sA

Û 19]695 vkoklksa esa ls] 787 vkokl u, fuekZ.k gsrq fxjk;s x;s vkSj 2]934 vkoklksa dk fuekZ.k iwjk gks x;kA

ns’k esa foÙkh; lq/kkjksa dh n`f"V ls vusd cnyko ns[ks x;s gSa ftudk izHkko vkokl vkSj vkokl foÙk ij izR;{k ;k ijks{k :i ls iM+kA buesa ls dqNsd dh ?kks"k.kk dsUnzh; ctV esa dh xbZ tcfd vU; dh ?kks"k.kk Hkkjrh; fjtoZ cSad }kjk dh xbZA

2-3-1 dsUnzh; ctV 2016

o"kZ 2016 ds dsUnzh; ctV esa] ekuuh; foRr ea=h us vkokl vkSj vkokl foRr {ks= esa vusd cnykoksa dks izLrkfor fd;kA mudk mYys[k fd;k x;k gS %

vkokl _.k ij C;kt Hkqxrku ij dj dVkSrh ds fy;s jkf’k 2]00]000 #- ls c<+k dj 2]50]000 #- dj nh xbZ ftlls igyh ckj edku Øsrkvksa dks izksRlkgu feysA ;g vfrfjDr dj jkgr muds fy;s Hkh miyC/k gksxh tks 50 yk[k #- ewY; rd dk edku [kjhnrs gSa vkSj 35 yk[k #- ls vf/kd _.k ugha ysrs gSaA

lEink fuos’k U;kl ¼vkjbZvkbZVh½ dks lEink lsDVj esa fuos’k ykus ds mÌs’; ls lfØ; fd;k x;kA vkjbZvkbZVh dks mPp QqVdj ek=k esa lEink {ks= esa NksVs fuos’kksa dks lqO;ofLFkr djus ds fy;s cuk;k


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x;k gSA vkjbZvkbZVh esa fuos’k] oLrqr% lEink esa fuos’k ds :i esa leku ykHk nsrh gS] blds vfrfjDr lqj{kk] rjyrk vkSj fuf/k;ksa ds vf/kd fu;ksftr iz;ksx dks lqfuf’pr djrh gSA vkjbZvkbZVh dks vius fuos’kdksa dks ykHkka’k dk Hkqxrku djrs le;] 17 izfr’kr ykHkka’k laforj.k ij dj nsus ls NwV nh xbZ gSA ;g ,d cM+k dne gS vkSj blls fodkldksa vkSj fuf/k izca/kdksa fuf/k;ka tqVkus esa enn feysxhA

os fodkld tks jkT; vkSj dsUnz dh vkokl ;kstukvksa ds rgr fdQk;rh vkokl bdkb;ksa dk fuekZ.k djrs gSa] mUgsa ykHk ij dj vnk;xh esa 100 izfr’kr NwV gSA vikVZesaVksa dk vkdkj pkj eq[; eSVªks 'kgjksa esa 30 oxZ ehVj vkSj vU; 'kgjksa esa 60 oxZ ehVj ls vf/kd ugha gksuk pkfg,A bu ¶ySVksa dks twu 2016 ls ekpZ 2019 rd eatwjh iznku dh tk,xh vkSj eatwjh feyus ls rhu o"kZ esa iwjs gks tkus pkfg,A

fdjk;k vkokl dks c<+kok nsus ds fy;s /kkjk 80 thth esa ,d la’kks/ku fd;k x;k ftlds vuqlkj fdlh O;fDr }kjk tks vkokl fdjk;k HkRrk ugha ik jgk gS rFkk Lo&fu;ksftr lfgr] }kjk O;; dh xbZ jkf’k ds ckjs esa dVkSrh dh lhek] dks 24]000 #- izfr o"kZ ls c<+kdj 60]000 #- izfr o"kZ dj fn;k x;kA

dsUnz ;k jkT; ljdkj] ihihih ;kstukvksa lfgr] dh fdlh Hkh ;kstuk ds rgr 60 oxZ ehVj rd oguh; vkoklksa ds fuekZ.k ij lsok dj ls NwV gksxhA

vc rd Lo&dCtk/khu lEifRr ij dj nkrkvksa dks 2]00]000 #- rd dVkSrh feyrh gS] tc os fuekZ.k iwjk dj ysrs gSa ;k dj ns; o"kZ ds var ls rhu o"kZ ds vanj lEifRr dk dCtk ys ysrs gSa] vkSj tc os fuf/k;ka izkIr djrs gSaA bl varjky vof/k dks c<+kdj ikap o"kZ dj fn;k x;k gSA

jk"Vªh; Hkwfe vfHkys[k vk/kqfudhdj.k dk;ZØe ds rgr lesfdr Hkwfe lwpuk izca/ku iz.kkyh dk fuekZ.k djuk] fMftVy bafM;k buhf’k,fVo ds vUrxZr dsUnzh; lsDVj dh ;kstuk 01 vizSy] 2016 ls ykxw gSA

2-3-2 Hkkjrh; fjtoZ cSad dh uhfr;ka

izkFkfedrk {ks= _.k

Hkkjrh; fjtoZ cSad us vius ifji= ̂^ekLVj funsZ’k & izkFkfedrk {ks= dks _.k & y{; vkSj oxhZdj.k^^ fnukad 7 tqykbZ] 2016 esa izkFkfedrk lsDVj oxZ esa vkokl rFkk vkokl foRr dks c<+kok nsus ds fy;s vusd mik;ksa dk mYys[k fd;kA uhps fn;s x;s ekunaMksa dk iz;ksx izkFkfedrk {ks= ds fy, cSadksa }kjk fuosf’kr fuf/k;ksa ds oxhZdj.k djus ds fy;s fd;k tk,xk vkSj cSadksa dks izkFkfedrk {ks= esa vius y{;ksa dks Kkr djus esa enn feysxhA

egkuxj ds dsUnzksa ¼tgka dh tula[;k 10 yk[k ;k vf/kd gS½ esa O;fDr;ksa dks _.k 28 yk[k #- rd vkSj vU; dsUnzksa esa 20 yk[k #-A egkuxjksa rFkk vU; dssUnzksa esa vkokl dk ewY; Øe’k% 35 yk[k #- vkSj 25 yk[k #- ls vf/kd ugha gksuk pkfg,A

egkuxjh; dsUnzksa esa vkokl dh ejEer ds fy;s 5 yk[k #- vkSj vU; dsUnzksa esa 2 yk[k #- rd _.k dk izko/kku gSA

cSadksa }kjk fdlh ljdkjh ,tsalh dks vkoklksa ds fuekZ.k ;k Lye dh lQkbZ vkSj Lye fuokfl;ksa ds iquokZl ds fy;s _.k 10 yk[k #- izfr bdkbZ rd fn;k tk ldrk gSA

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2-4 fof/kd lq/kkj

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bZMCY;w,l vkSj ,yvkbZth oxksZa ds fy;s gh vkoklksa ds fuekZ.k gsrq _.k dh lhek 10 yk[k #- izfr bdkbZ ds vuqlkj dqy _.k fn;k tk,xkA

vkokl foRr daifu;ksa dks _.k ftls QqVdj xzkgdksa dks viuk edku [[email protected] [email protected] djkus ;k Lye fuokfl;ksa ds iquokZl vkSj Lye lQkbZ ds fy;s fn;k tkrk gS] 10 yk[k #- izfr m/kkjdrkZ rd ds vuqlkj gks ldrk gSA

vkokl foRr daifu;ksa dks izkFkfedrk lsDVj ds _.k dh lhek izR;sd cSad ds dqy izkFkfedrk lsDVj vfxzeksa ds 5 izfr’kr rd gksxhA

jk"Vªh; vkokl cSad esa tek jkf’kA

izkFkfedrk lsDVj dks _.k ds rgr vkokl dks 'kkfey djuk ,d egRoiw.kZ ?kVd gS ftlls vkokl fodkl vkSj vkokl foRr dks lh/ks ykHk igaqp jgk gSA

foRrh; lq/kkjksa ds lkFk lkFk] Hkkjr ljdkj us Hkkjr esa vkokl vkSj vkokl foRr ds dk;ZØe dks lgk;rk nsus ds fy;s vusd fof/kd lq/kkj fd;s gSaA fof/kd la’kks/kuksa dh eq[;rk t:jr Hkwfe dks fookn ls NqM+kus] fuekZ.k laca/kh fofu;eksa vkSj lkafof/kd laLohd`fr nsus esa gksrh gSA bl [kaM esa ljdkj }kjk fd;s x;s fof/kd lq/kkj dkjZokbZ dh leh{kk dh xbZ gSA

2-4-1 Hkw lEink ¼fofu;ekoyh vkSj fodkl½ vf/kfu;e] 2016

Hkw lEink ¼fofu;ekoyh vkSj fodkl½ vf/kfu;e] 2016 dks iz[;kfir djuk Hkw lEink lsDVj ls lacaf/kr fof/kd bdksflLVe la’kksf/kr djuk ,d vR;f/kd egRoiw.kZ igy gSA lexz Hkw lEink bdksflLVe ds fy;s bl vf/kfu;e dk egRo vkSj izHkko vR;f/kd gSA ftls [kaM 2-5 esa vyx ls fn;k x;k gSA

2-4-2 Hkwfe vf/kxzg.k iquokZl vkSj iquLFkkZiu ¼la'kks/ku½ vè;kns'k] 2015 ¼,y,,vkj½ esa mfpr eqvkots vkSj ikjnf'kZrk dk vf/kdkj

;g vè;kns'k blh uke ds vf/kfu;e 2013 esa la'kks/ku Fkk vkSj og lkoZtfud ç;ksx ds fy;s vf/kxzg.k dks fofu;fer djrk gSA oguh; vkokl dh dqN ifj;kstukvksa dks bl vè;kns'k ds dqN çko/kkuksa ls NwV çkIr gSA fuEufyf[kr çko/kku oguh; vkokl ifj;kstukvksa ij ykxw ugha gksaxs &

tc çkbosV ifj;kstuk ds fy;s Hkwfe vf/kxzghr dh tk,xh rks 80 çfr'kr Hkw Lokfe;ksa dh lgefr visf{kr ugha gksxh vkSj tc lkoZtfud&futh Hkkxhnkjh ifj;kstuk ds fy;s Hkwfe vf/kxzghr dh tk,xh rks 70 çfr'kr Hkw Lokfe;ksa dh lgefr visf{kr ugha gksxhA

lkekftd çHkko dk ewY;kadu djuk] vkSj

Ñf"k vkSj cgq Qlyh Hkwfe vf/kxzg.k dh lhekA•

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2-4-3 fMthVy Hkkjr Hkw vfHkys[k vk/kqfudhdj.k dk;ZØe ¼MhvkbZ,yvkj,eih½ vkSj bZ&LVSEi@ bZ&iathdj.k

bl dk;ZØe dh :ijs[kk xzkeh.k fodkl ea=ky; }kjk Hkwfe vfHkys[k ds izca/ku dks vk/kqfud djus] Hkwfe@ lEifRr fooknksa dks U;wure djus] Hkwfe vfHkys[k j[kj[kkc iz.kkyh esa ikjnf’kZrk c<+kus vkSj vpy lEifRr ds LokfeRo gLrkarj.k dks ljy cukus ds fy, o"kZ 2008&09 esa rS;kj dh xbZ FkhA dk;ZØe ds eq[; ?kVdksa esa lHkh Hkw vfHkys[kksa ;Fkk gLrkarj.k] uD’kksa fMthVykbt djuk] fyf[kr fo'ks"k vkadM+ksa dk lesdu] lHkh losZ{k.kksa dk iqu% losZ{k.k vkSj mUgsa v|ru djuk rFkk fuiVku vfHkys[k o ewy HkwuD’kk vfHkys[k cukuk tgka visf{kr gks] 'kkfey gSA ,d nwljk egRoiw.kZ ?kVd iathdj.k dks daI;wVjhd`r djuk vkSj Hkw vfHkys[k vuqj{k.k flLVe ds lkFk lesdu djuk gSA

blh ds lkFk gh fQthdy LVkEi isij dks lekIr djuk] LVkEi M;wVh vkSj iathdj.k 'kqYd dk bySDVªkWfud Hkqxrku djuk 'kkfey gSA bZ&LVkfEiax dk dke dbZ jkT;ksa ;Fkk fnYyh] gfj;k.kk] xqtjkr] dukZVd] rfeyukMq] egkjk"Vª] fgekpy izns’k] vka/kz izns’k] vle rFkk dqN vU; LFkkuksa ij 'kq: gks pqdk gSA

2-4-4 'kgjh {ks=ksa ds fy;s Hkwfe iwfyax iz.kkyh

fnYyh] iatkc vkSj gfj;k.kk lfgr vusd jkT;ksa esa fHkUu fHkUu izdkj dh Hkwfe iwfyax iz.kkyh viukbZ xbZ gSA 'kgjh {ks=ksa esa vkokl fodkl ij bu ;kstukvksa dk lh/kk izHkko iM+rk gSA fnYyh ds fy;s fnYyh fodkl izkf/kdj.k }kjk izLrkfor Hkw iwfyax uhfr bl fl)kUr ij vk/kkfjr gS ftlesa dksbZ Hkw Lokeh ;k Hkw Lokfe;ksa dk oxZ Hkwfe iwfyax ,tsalh dks vius Hkw LokfeRo ds vf/kdkj dk gLrkarj.k dj nsrk gS tks ckn esa ml Hkwfe ds dqN Hkkx dks fodkl ds fy;s Hkw Lokfe;ksa dks LokfeRo okil ns nsrh gS] bl izdkj Hkw Lokfe;ksa dks fodkl izfØ;k esa Hkkxhnkj gksus dk fodYi fey tkrk gSA

2-5-1 fiNys dqN o"kksZa ls tehu dh c<+rh ekax ds dkj.k Hkw laink lsDVj dh Hkwfedk cgqr egRoiw.kZ gks xbZ gS D;ksafd mlls Hkkjr ds mi;ksxh cqfu;knh <kaps dk lexz fodkl gksrk gSA foxr vusd o"kksZa ds nkSjku] ifj;kstukvksa ds iwjk gksus vkSj fodkldksa }kjk dCtk nsus esa nsjh dh cgqr ?kVuk,a gqbZ gSaA xzkgdksa ls fodkldksa }kjk lgeR; 'krksZa ds mYya?ku ds ekeys c<+rs jgs gS tks Hkkjh vlarks"k dks n’kkZrk gSA Hkw laink fodkldksa }kjk fuf/k;ksa ds xyr iz;ksx djds /kks[kk/kM+h djus] dkuwuh izko/kkuksa ds mYya?ku ds Hkh vusd ekeys lkoZtfud :i ls lkeus vk, gSaA vr% Hkw laink lsDVj ds vkSipkfjd fofu;eu dh ekax c<+h gS tks jksd yxkus dk dke gh ugha cfYd lq/kkj Hkh djsxhA bl i`"BHkwfe esa Hkw lEink ¼fofu;e ,oa fodkl½ vf/kfu;e] 2016 dks ekpZ 2016 esa iz[;kfir fd;k x;kA bl vf/kfu;e ls fuEufyf[kr mÌs’; iwjk gksus dh laHkkouk gS &

Øsrkvksa ds izfr Hkou fuekZrkvksa dh tckonkjh lqfuf’pr gks vkSj Øsrkvksa ds fgrksa dh j{kk gksA

fuekZ.k dk;Z esa ikjnf’kZrk] bZekunkjh gks] ?kks[kk/kM+h de gks vkSj nsjh u gksA

iwjs ns’k esa Hkw laink esa O;kolkf;drk vkSj ekudhdj.k 'kq: gksA

Hkou fuekZrkvksa vkSj Øsrkvksa ds chp lwpuk ra= LFkkfir gksA

Hkou fuekZrkvksa vkSj Øsrkvksa nksuksa ij mRrjnkf;Ro gksA

vuqca/kksa dks ykxw djus ds fy;s fofu;ked ra= LFkkfir gksA

332-5 Hkw lEink ¼fofu;e ,oa fodkl½ vf/kfu;e] 2016 vkSj izHkkfor {ks=

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33 Hkw laink ¼fofu;e ,oa fodkl½ vf/kfu;e] 2016& vkerkSj ls iwNs tkus okys ç'u] ,e,p;wih, 2016

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fooknksa ds fuiVkjs ds fy;s ,d QkLV&VªSd ra= LFkkfir gksA

Hkw laink lsDVj esa csgrj vfHk’kklu gks ftlls fuos’kdksa dk fo’okl c<+sxkA

2-5-2 ,e,p;wih, us vf/kfu;e dh dqN fo’ks"k /kkjkvksa dks 1 ebZ] 2016 ls ykxw djus ds fy;s vf/klwfpr fd;k rkfd fu;e cukus vkSj fofu;ked izkf/kdj.k rFkk vihyh; U;k;kf/kdj.k dh LFkkiuk esa lqfo/kk gksA lHkh jkT; ljdkjksa dks bl vf/kfu;e ds rgr fu;e cukuk vkSj fofu;ked izkf/kdj.k rFkk vihyh; U;k;kf/kdj.k dh LFkkiuk djuk visf{kr gS rkfd jkT; vius {ks= esa Hkw laink lsDVj dks fofu;fer vkSj fodflr dj ldsaA

2-5-3 vf/kfu;e dh dqN eq[; fo’ks"krk,a bl izdkj gSa %

vf/kfu;e ds rgr vkoklh; vkSj okf.kfT;d nksuksa ifj;kstuk,a vkrh gSaA

vf/kfu;e ds nk;js esa py jgh@ v/kwjh vkSj Hkkoh ifj;kstuk,a vkrh gSaA vf/kfu;e esa izko/kku gS fd ^^lHkh py jgh ifj;kstuk,a ftUgksaus vHkh dEyh’ku izek.ki= ugha fy;k gS] mUgsa fofu;eu izkf/kdj.k ds ;gka blds ykxw gksus ls 3 ekg ds vanj iathd`r djkuk gksxkA^^

vf/kfu;e esa izko/kku gS fd 'kCn ^^foKkiu^^ esa fcØh ds fy, viuk;k x;k dksbZ Hkh ek/;e ;Fkk izkLisDVl ds }kjk] bZesy vkSj ,l,e,l Hkstdj ;k fdlh vU; izdkj ls] 'kkfey gSA fodkld foKkiuksa esa fn;s fooj.k ds fy;s mRrjnk;h gksrk gS vkSj fdlh xyr tkudkjh ds dkj.k ;fn Øsrk dks gkfu gksrh gS rks fodkld }kjk mldh iwfrZ dh tk,xhA

vf/kfu;e esa iz;qDr 'kCn ^fodkld^ esa futh vkSj lkoZtfud Hkwlaink fodkld nksuksa gh 'kkfey gSaA vr,o] lHkh fodkld] futh Hkou fuekZrk] fodkl izkf/kdj.k vkSj vkokl cksMZ lfgr] tc ifj;kstuk ds fodkl vkSj fcØh ls lacaf/kr gksa rks os bl vf/kfu;e ds rgr vk,axsA

vf/kfu;e esa izko/kku gS fd ̂^fodkld^^ vkSj ̂ ^vkcafVrh^^ ds chp fu"ikfnr djkj esa dksbZ pwd gksrh gS rks nksuksa esa ls fdlh ds Hkh }kjk ns; C;kt nj leku gksxhA

fodkld laLohd`r Iyku ;k ifj;kstuk ds fofunsZ’kksa esa l{ke izkf/kdkfj;ksa vkSj vkcafVfr;ksa dks lwfpr djds la’kksf/kr dj ldrs gSaA

fodkld ifj;kstuk ds ckjs esa foKkiu fofu;ked izkf/kdj.k }kjk iathdj.k gksus] lacaf/kr lHkh vkSipkfjdrkvksa dks iwjk djus] visf{kr 'kqYd dk Hkqxrku djus vkSj ;Fkk visf{kr lHkh lacaf/kr nLrkost izLrqr djus ds ckn gh tkjh dj ldrk gSA

fodkld dks izR;sd ifj;kstuk dk vyx [kkrk cukuk gksxk vkSj vkcafVfr;ksa ls izkIr jkf’k dk 75 izfr’kr va’k bl [kkrs esa fuekZ.k dk;Z vkSj Hkwfe ykxr ds fy;s tek djuk gksxkA ;g ̂ ^fuyEc^^ [kkrk ugha gksxk vkSj fodkld bl [kkrs ls ifj;kstuk ds iwjk gksus ds izfr’kr ds vuqikr esa gh jkf’k vkgfjr dj ldrk gSA

2-5-4 vusd jkT; ljdkjksa us bl vf/kfu;e ds rgr dke 'kq: dj fn;k gSA vHkh rd fd;s x;s dqN dk;Z fuEukuqlkj gSa&

mÙkj izns’k ljdkj] xqtjkr ljdkj vkSj e/; izns’k ljdkj us Hkw lEink ¼fofu;e ,oa fodkl½ vf/kfu;e] 2016 ds rgr v/khuLFk fu;eksa dks vf/klwfpr dj fn;k gSA

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41


egkjk"Vª ljdkj vkSj dukZVd ljdkj us mDr vf/kfu;e ds rgr v/khuLFk fu;eksa dk izk:i rS;kj dj fy;k vkSj ml ij i.k/kkjdksa dh fVIif.k;ka@lq>ko vkeaf=r fd;s gSaA

dsUnz ’kkflr izns’k iqMqpsjh us izk:i fu;e vDrwcj] 2016 esa izdkf’kr djds turk vkSj i.k/kkjdksa ls fVIif.k;ka@lq>ko vkeaf=r fd;s gSaA

dsUnz ’kkflr izns’k paMhx<+ ds lfpo ¼vkokl½] paMhx<+ iz’kklu us varfje fofu;ked ds :i esa vf/klwfpr fd;k gSA paMhx<+ ds dsUnz’kkflr izns’k ds oSV U;k;kf/kdj.k dks varfje vihyh; izkf/kdj.k ds :i esa vf/klwfpr fd;k gSA

dsUnz ’kkflr izns’k nknj vkSj uxj gosyh us] viuk NksVk iz’kklu gksus ds dkj.k] Lo;a dks Hkwlaink fofu;ked izkf/kdj.k vkSj vihyh; U;k;kf/kdj.k] egkjk"Vª jkT; ds lkFk layXu dj fy;k gSA

dsUnz ’kkflr izns’k vaMeku vkSj fudksckj }hilewg us iz/kku lfpo ¼;wMh½] vaMeku vkSj fudksckj iz’kklu dks varfje fofu;ked izkf/kdj.k vkSj varfje vihyh; U;k;kf/kdj.k izLrkfor fd;k gSA

Û

Û

Û

Û

Û

42


vè;k; 3% izkFkfed _.knkrk laLFkkuksa }kjk vkokl foÙk dkjksckj

3-1 vkokl foRr esa izkFkfed _.knkrk laLFkku

jk"Vªh; vkokl cSad us viuh lao/kZukRed ,oa fofu;ked Hkwfedkvksa ds rgr uhfr ,oa fofu;ked ÝseodZ ij vius buiqV ds ek/;e ls fiNys dqN o"kksZa esa cktkj mUeq[k vkokl foRr i)fr dks fodflr fd;k gSA izkFkfed _.knkrk laLFkku ¼vkokl foRr daifu;ka] vuqlwfpr okf.kfT;d cSad] lgdkjh laLFkku½ cktkj esa lfØ;rk ls layXu gS rFkk ml dkj.k vkokl _.k dh o`f) esa cM+k ;ksxnku fn;k gSA ;Fkk ekpZ 2016 dks ns’k esa lHkh izkFkfed _.knkrk laLFkkuksa }kjk fufeZr vkokl _.k cgh 10]63]000 djksM+ #i;s FkkA fiNyh izo`fRr;ksa ds vk/kkj ij] vxys ikap o"kksZa esa ns’k esa vkokl foRr cktkj esa vkSlr 15 izfr’kr dh okf"kZd o`f) dk vuqeku gSA vkokl foRr daifu;ka vkokl foRr cktkj esa vius va’k ¼’ks;j½ dks rsth ls c<+k jgh gSA

3-1-1 izkFkfed _.knkrk laLFkku ftlesa vkokl foRr daifu;k ,oa vuqlwfpr okf.kfT;d cSad 'kkfey gSa] us fiNys dqN o"kksZa esa vkokl foRr gsrq _.k m/kkj nsus ds fy, viuh igqap LFkkfir dh gSA fiNys rhu n’kdksa esa vkokl foRr ds fodkl esa izkFkfed _.knkrk laLFkku cktkj esa lfØ;rk ls 'kkfey gq, gSa rFkk ml dkj.k vkokl _.k dh o`f) esa cM+k ;ksxnku fn;k gSA ;|fi vk-fo-da ds fy, vkokl foRr mudh izkFkfed dkjksckjh xfrfof/k gS] vyx vkokl foRr 'kh"kksZa dk fuekZ.k rFkk vius O;kid czkap usVodZ dks yhojst djds cM+h la[;k esa vuqlwfpr okf.kfT;d cSadksa dk Hkh Qksdl vkokl foRr gSA cktkj esa fofo/krk rFkk ekeyksa dh tfVy izd`fr ds dkj.k ckt+kj dks fodflr gksus esa FkksM+k le; yxrk gSA vkt ls] vkokl foRr vusdksa daifu;ksa ds fy, ,d lQy dkjksckjh ekWMy cuus ds fy, fodflr gqvk gS rFkk vkokl ikfjfLFkfrdh ra= ds eq[; igyw ds :i esa mHkjk gSA

3-1-2 o"kZ 1988 esa jk-vk-cSad dh LFkkiuk ns’k esa vkokl foRr daifu;ksa dks fofu;fer ,oa fu;af=r djus ds fy, ,d 'kh"kZ laLFkku cuus ds fy, gqbZ FkhA jk-vk-cSad dh izLrkouk bl izdkj gS ̂ ^LFkkuh; ,oa {ks=h; nksuksa Lrjksa ij vkokl foRr laLFkku dks izksRlkfgr djus ds fy, ,d eq[; ,tsalh ds :i esa lapkyu djus rFkk ,sls laLFkkuksa dks foRrh; ,oa vU; lgk;rk iznku djus ,oa muls lacaf/kr ;k muls vfrfjDr ekeyksa ds fy,^^A fiNys dqN o"kksZa esa blds uoksUes"kh mik;ksa] lfØ; fn’kk&funsZ’k ,oa mi;qDr fu;ked gLr{ksi ds ek/;e ls jk-vk-cSad us ns’k esa vkokl foRr cktkj dks foLrkj ,oa etcwrh iznku djus esa dkQh lgk;rk dh gSA jk-vk-cSad us 82 fo’ks"k vkokl foRr laLFkkuksa dks iathdj.k iznku fd;k gSA bl {ks= esa jk-vk-cSad dh lfØ; Hkkxhnkjh us Hkkjr esa u, foRr ikfjfLFkfrdh ra= dh jpuk dh gS ftlesa vkokl foRr dks lHkh eq[; izkFkfed _.knkrk laLFkkuksa ds fy, ,d egRoiw.kZ [kqnjk m/kkj mRikn ds :i esa ns[kk tkus yxk gSA

3-1-3 vuqlwfpr okf.kfT;d cSad ges’kk ls vius xzkgdksa dks vkokl _.k izLrqr djrs jgs gSa ysfdu ;g o"kZ 1990 ds var rd vkSj 2000 ls igys ugha Fkk] tc mUgksaus vuqdwy rjhds ls bl m|ksx esa izos’k fd;kA vkokl foRr izLrqr djus okyh bdkbZ;ksa dh la[;k rsth ls c<+us ds dkj.k cktkj esa mRlkg c<+kA bl dkj.k fo’ks"kdj ns’k ds Lrj 2 ,oa 3 'kgjksa ds ekStwnk cktkjksa dh etcwrh esa ,oa u, cktkjksa esa foLrkj dks lgk;rk feyhA o"kZ 1990 ds var rFkk 2000 dh 'kq:vkrh vof/k esa] ns’k esa csgrj vkfFkZd o`f) Hkh fn[kkbZ nh ftlus vkokl m|ksx rFkk cnys esa vkokl foRr {ks= dh o`f) dks rsth feyhA vFkZO;oLFkk dh bl o`f) rFkk blds rgr futh fcYMjksa ds

vè;k; 3 % izkFkfed _.knkrk laLFkkuksa }kjk vkokl foÙk dkjksckj

43


ek/;e ls vkokl LVkWd dh o`f) 'kgjh dsUnzksa esa lfØ; gks jgh gS ftlus ns’k esa vkokl foRr m|ksx dh lexz o`f) dks izsfjr fd;k gSA fiNys dqN o"kksZa esa] Hkkjr ljdkj dh uhfr;ksa dh lgk;rk ls rFkk Hkkjrh; fjt+oZ cSad ,oa jk"Vªh; vkokl cSad }kjk fofu;ked i;Zos{k.k] fn’kk&funsZ’k ,oa gLr{ksi ls vuqlwfpr okf.kfT;d cSadksa ,oa vkokl foRr daifu;ksa nksuksa ds vkokl _.k iksVZQksfy;ks dkQh fodflr gq, gSA vkjf{kr fuf/k vis{kkvksa] ØsfMV o`f) lhek] pyfuf/k vis{kkvksa] ,oa vU; ds lkFk uhfr nj ds laca/k esa Hkk-fj-cSad dh ekSfnzd uhfr dk;Zokgh dk vkokl foRr ØsfMV ij izR;{k izHkko FkkA Hkk-fj-cSad us vkokl foRr ds fy, foosdiw.kZ ekunaM fu/kkZfjr fd, gSa rFkk jk-vk-cSad us Hkh mlh vuqlkj ekunaM fu/kkZfjr fd, gSaA ;s ekunaM vkfLr oxhZdj.k] izko/kkuhdj.k] tksf[ke Hkkj] iwath i;kZIrrk vis{kk,a rFkk ewY; vuqikr gsrq _.k dks doj djrs gSaA bUgksaus ;g lqfuf’pr djus esa lgk;rk dh gS fd cuk;k tk jgk vkokl foRr iksVZQksfy;ks mu iz.kkyhxr tksf[ke gsrq etcwr ,oa yphyk gS tks fdlh oSf’od rFkk@;k LFkkuh; fo?kVu ds dkj.k vFkZO;oLFkk esa mRiUu gks ldrs gSA

3-1-4 Hkk-fj-cSad ,oa jk-vk-cSad }kjk lfØ; fofu;eu dh 25 o"kksZa dh bl i`"BHkwfe esa rFkk ns’k }kjk ns[kh xbZ dkQh fLFkj vkfFkZd o`f) us cSadksa] vk-fo-da- ,oa lgdkjh laLFkkuksa ls feydj cuh laLFkkxr foRr iz.kkyh us dkQh foLrkj fd;k gSA fiNys dqN o"kksZa esa cSadksa ,oa vk-fo-da- }kjk fufeZr vkokl _.k iksVZQksfy;ks dh o`f) uhps xzkQ 3-1 esa n’kkZ;h xbZ gSA xzkQ thMhih gsrq cdk;k vkokl _.kksa ds c<+rs ;ksxnku dks Hkh n’kkZrk gSA

xzkQ 3-1% cSadksa ,oa vk-fo-da- ds vkokl _.k cdk;k

lzksr% Hkk-fj-cSad ,oa jk-vk-cSad

thMhih ds izfr’kr ds :i esa cdk;k vkokl _.k o"kZ 1996&97 esa 1-8 izfr’kr ls o"kZ 2015&16 esa 9-3 izfr’kr rd c<+ x;k gSA o"kZ 1996&97 esa 3]00]000 djksM+ #i;s ls de ls cdk;k vkokl _.k o"kZ 2015&16 esa 12]00]000 djksM+ #i;s ls vf/kd rd c<+ x, gSA

3-1-5 vkokl cktkj ds fodkl dh izkFkfed voLFkk esa] vk-fo-da dk vuqlwfpr okf.kfT;d cSadksa dh ,d NksVs lh Hkwfedk ds lkFk laiw.kZ cktkj dk dkQh T;knk va’k FkkA ;g cktkj dh /kheh o`f) dk Hkh ,d egRoiw.kZ dkjd Fkk] ftldk dkj.k ml le; vk-fo-da ds ikl lhfer usVodZ ,oa igqap FkkA o"kZ 2003&2004 ls vuqlwfpr okf.kfT;d cSadksa dh c<+rh Hkkxhnkjh ls vkokl foRr cktkj vf/kd rst xfr ls c<+uk 'kq: gqvk ,oa vxys dqN o"kksZa ds fy, ,d cM+k cktkj va’k vuqlwfpr okf.kfT;d cSadksa ds vf/kdkj esa FkkA gkykafd] /khjs&/khjs vk-fo-da- us


44

cSad rFkk vkokl foRr dEifu;ksa dk cdk;k vkokl _.k ¼djksM+ :i;s esa½

cSad rFkk vk- fo- dk- dk ldy ?kjsyw mRikn ds lkis{k cdk;k vkokl _.k ¼izfr'kr½


Hkh viuk laforj.k c<+k;k ftlls cktkj va’k esa iqufoZHkktu vk;kA fiNys nks n’kdksa esa vuqlwfpr okf.kfT;d cSadksa ,oa vk-fo-da- ds chp vkokl foRr cktkj ds foHkktu dks uhps xzkQ 3-2 esa n’kkZ;k x;k gSA

xzkQ 3-2% cSadksa ,oa vk-fo-da- ds chp vkokl _.k cktkj va’k


3-1-6 dqy cdk;k [kk|srj _.k ds izfr’kr ds rkSj ij vuqlwfpr okf.kfT;d cSadksa ¼,llhch½ vkSj vkokl foRr daiuh ¼vk-fo-da-½ ds cdk;k vkokl _.k dk dqy 'ks;j fiNys dqN o"kksZa esa fujarj c<+dj o"kZ 2015&16 esa 17-4 izfr’kr gks x;h gSA xzkQ 3-3 dqy cdk;k [kk|srj _.k esa cdk;k vkokl _.k dh o`f) dks n'kkZrk gSA

xzkQ 3-3 % dqy [kk|srj iksVZQksfy;ks gsrq vuqlwfpr okf.kfT;d cSadksa ¼,llhch½ vkSj vkokl foRr daiuh ¼vk-fo-da-½ dk vkokl iksVZQksfy;ks



45


vkokl foRr dEifu;ksa ds cdk;k vkokl _.kvuqlwfpr okf.kfT;d cSadksa ds cdk;k vkokl _.k

3-1-7 cSadksa ,oa vk-fo-daifu;ksa us fiNys nks n’kdksa esa iksVZQksfy;ks dh fLFkj o`f) n’kkZ;h gSA cSadksa ,oa a vk-fo-daifu;ksa ds o"kZ nj o"kZ vkokl _.k iksVZQksfy;ks dks uhps xzkQ 3-4 esa n’kkZ;k x;k gSA

xzkQ 3-4 & cSadksa vkSj vk-fo-daifu;ksa ds cdk;k vkokl _.kksa esa ço`fÙk ¼yk[k djksM+ :i;s esa½


3-1-8 cSad vkSj vkokl foRr daifu;ka mn~;ksx txr ds egRoiw.kZ i{k gSA lgdkjh laLFkku] xSj&cSafdax foÙkh; daifu;ka ¼,uch,Qlh½ vkSj lw{e foRr laLFkku ¼,e,QvkbZ½ os vU; i{k gS tks cktkj esa dk;Z dj jgs gSaA ;g {ks= fdQk;rh vkSj fLFkjrk ds laca/k esa cktkj&vk/kkfjr lek/kku viukus ds fy, fofu;kedksa vkSj uhfr fuekZrkvksa }kjk lnSo izsfjr gksrk jgk gSA ;g] ,d lq–<+] izxfr’khy vkSj mÙkjnk;h fofu;ked i)fr ds lkFk feydj bl ckr dks lqfuf'pr djrk gS fd flLVe laiw.kZ foÙkh; cktkj esa fLFkj vkSj vPNh rjg ls ,dh—r gksA dsUæh; vkSj jkT; ljdkjksa ds dkuwuh ,oa jktdks"kh; lq/kkjksa] vkSj Hkkjrh; fjt+oZ cSad us fdQk;rh vkSj fuEu vk; vkokl dks c<+kok nsus ds fy, ifjfLFkfr dks vf/kd vuqdwy cuk;k gSA blls c<+s –<+ fo'okl ls lexz lef"V vFkZO;oLFkk ds lkFk vkokl {ks= ds vuqdyu esa Hkh lg;ksx feyk gS vkSj fuos’kdksa ds O;kid lewg ls fdQk;rh vkokl ds fy, vf/kd fuos'k çokg dks lgk;rk izkIr gqbZ gSA gky ds o"kksZa esa vusdksa ubZ vk-fo-daifu;ksa dk lapkyu fdQk;rh vkokl ij fo’ks"k /;ku ds lkFk bl rF; ds fy, lk{; gS fd mn~;ksx txr fdQk;rh vkokl izkIr djus ds bPNqd xzkgd gsrq foRriks"k.k dh pqukSrh dk tokc nsus ds fy, iwjh rjg ls rS;kj gSA vkt [kqnjk vkokl foRr fofHkUu laLFkkuksa ls çfrLi/khZ 'krksaZ ij miyC/k gSA ;g {ks= Hkkjrh; izfrHkwfrdj.k ifjlaifRr iqufuZekZ.k vkSj izfrHkwfr LoRo dh dsUnzh; jftLVªh ¼ljlkbZ½] ca/kd xkjaVh mRikn] vkokl _.k çkIr djus ds fy, chek doj dk O;kid mi;ksx ds :i esa ,d vVSuMsaV ikfjfLFkfrdh ç.kkyh ls tqM+k gqvk gS tks iksVZQksfy;ks xq.koRrk esa lgk;rk djrk gSA foRrh; vkfLr;ksa dk izfrHkwfrdj.k vkSj iqujZpuk ,oa izfrHkwfr fgr dk izorZu vf/kfu;e] 2002 ¼ftls ljQslh vf/kfu;e ds uke ls Hkh tkuk tkrk gS½ Hkqxrku u djus okys xzkgdksa ls _.kksa dh olwyh lqfuf’pr djus ds fy, m/kkjnk=h laLFkk gsrq mi;qDr dkuwuh baÝkLVªDpj iznku djrk gSA

3-1-9 fiNyh izo`fRr ds vk/kkj ij] vxys ikap o"kksaZ esa ns'k esa vkokl foÙk cktkj ds lkykuk 15 Qhlnh dh vkSlr ls c<+us dh mEehn gSA vkus okys o"kksZa esa vkokl foRr mn~;ksx dh o`f) vkiwfrZ ,oa ekax] nksuksa i{kksa esa o`f) dh ,d fØ;k gSA cSad vkSj vk-fo-da- u dsoy ekax i{k esa cfYd vkiwfrZ i{k esa Hkh egRoiw.kZ Hkwfedk vnk dj jgs gSaA fuEu] e/;e ,oa mPp&vk; ifjokjksa esa oS;fDrdksa dks [kqnjk _.k izLrqr djds ekax i{k dks lacksf/kr fd;k tkrk gSA fodkldksa dks fuekZ.k&dk;Z foRr izLrqr djds vkiwfrZ i{k dks lacksf/kr fd;k tkrk gSA tks fodkld fjgk;’kh ifj;kstukvksa dk fuekZ.k djrs gSa] mUgsa izk;% viuh ifj;kstukvksa dks iwjk djus ds fy, fuf/k dh

vuwlwfpr okf.kfT;d cSad

vkokl foRr dEiuh


46


vko’;drk gksrh gSA vusdksa cSad ,oa vk-fo-da- fodkldksa dks viuh ifj;kstukvksa dks iwjk djus ds fy, fuekZ.k&dk;Z foRr izLrqr djrs gSa] tks fodkldksa dh mudh ifj;kstukvksa dks iwjk djus rFkk bdkbZ;ksa dks fcØh gsrq miyC/k djkus esa lgk;rk djrs gSaA

3-2-1 lkoZtfud {ks= ds cSadksa ds ekeys esa] o"kZ 2015&16 esa vkokl _.kksa ds fy, _.k dkQh gn rd c<+ x;kA ih,lch ls oS;fäd vkokl _.k ds vkadM+ksa dks okf"kZd vk/kkj ij ikap fofHkUUk [kaMksa & 2 yk[k #i;s rd] 2 yk[k #i;s ls 5 yk[k #i;s rd] 5 yk[k #i;s ls 10 yk[k #i;s rd] 10 yk[k #i;s ls 25 yk[k #i, rd vkSj 25 yk[k ls Åij dks rkfydk 3-1 esa n’kkZ;k x;k gSA ;Fkk 31 ekpZ] 2016 dks lkoZtfud {ks= ds cSadksa ¼ih,lch½ dk dqy oS;fäd vkokl _.k cdk;k 520]722 djksM+ #i, rFkk ;Fkk 31 fnlEcj] 2016 dks 565]241 djksM+ #i, FkkA o"kZ 2015&16 ds nkSjku ih,lch }kjk oS;fäd vkokl _.k laforj.k 129]727 djksM+ #i;s FkkA ;g fiNys foRrh; o"kZ ds laforj.k esa 15 izfr’kr dh o`f) vkSj dqy cdk;k esa 19 izfr’kr dh o`f) dks crkrk gSA T;knkrj o`f) 10 yk[k #i;s ls 25 yk[k #i, rd vkSj 25 yk[k ls Åij ds [kaMksa esa ns[kh xbZ gSA

rkfydk 3-1 & lkoZtfud {ks= ds cSadksa ¼ih,lch½ ds oS;fäd vkokl _.kksa dh dk;Z&fu"ikndrk

¼djksM+ #i;s esa½

lzksr% lkoZtfud {ks= ds cSadksa }kjk çLrqr vkadM+ksa ds ladyu ds vk/kkj ij

xzkQ 3-5 ls irk pyrk gS fd lHkh [kaMksa esa mPpre vkokl foÙk O;kiu ds laca/k esa lHkh jkT;ksa vkSj dsaæ 'kkflr çns'kksa esa egkjk"Vª lcls Åij gSA vkokl _.k [kaM O;kiu ¼10 yk[k #i;s ds [kaM rd½ esa] egkjk"Vª ds ckn dukZVd] rfeyukMq vkSj mÙkj çns'k dk LFkku gSA

3-2 oS;fäd vkokl _.k ij lkoZtfud {ks= ds cSadksa ¼ih,lch½ dh dk;Z&fu"ikndrk


47

2 yk[k rd 1,424 5,864 11.6 1,365 -4.0 5,854 -0.2 12.0

> 2 yk[k ls 3,807 31,041 3.0 3,581 -6.0 28,229 -9.0 3.4

5 yk[k

> 5 yk[k ls 10 yk[k 12,557 78,787 1.5 12,866 +2.0 81,875 +4.0 1.8

> 10 yk[k ls 25 yk[k 40,939 171,954 1.0 49,341 +21.0 202,138 +18.0 1.2

> 25 yk[k 53,636 153,315 0.7 62,574 +17.0 202,626 +32.0 1.2

dqy 112,364 440,960 1.1 129,727 +15.0 520,722 +19.0 1.5

vkokl _.k [kaM ( )`

o`f) o"kZ nj o"kZ (%)

2014-15 2015-16

laforj.k cdk;k ,uih,(%)


laforj.k cdk;k o`f) o"kZ nj o"kZ (%)

,uih,(%)

vka/kz izns’k

v#.kkpy izns’k

NÙkhl

x<+xqtjkr

dukZVddsjy

e/; izns’k

egkjk"Vª

ef.kiqj es?kky;

fetksje

ukxkySaM

vksfM’kk

flfDde

rfeyukMq

f=iqjk if’pe caxky

vaMeku ,oa fudksckj

y{k}hi iqMqpsjh

rsyaxkuk

gfj;k.kkfnYyh

jktLFkkufcgkj

>kj[kaM

vle

caxky dh [kkM+h

vjc lkxj

xksok

fgan egklkxj

tEew ,oa d’ehj

fgekpy izns’k

iatkc paMhx<+ mÙkjk[kaM

mÙkj çns'k

nknj ,oa uxj gosyh

neu ,oa nho

lQsn ¼fuEu½] ihyk ¼eè;e½] gjk ¼mPp½

10 yk[k #i;s rd

ekufp= Ldsy vuqlkj ugha gSA

xzkQ 3-5 & ;Fkk 31&03&2016 dks 'kh"kZ lkoZtfud {ks= ds cSadksa ¼ih,lch½ ds oS;fäd vkokl _.k cdk;k ¼[kaM&okj½




48



tEew ,oa d’ehj

fgekpy izns’k

iatkc paMhx<+ mÙkjk[kaM

gfj;k.kkfnYyh

jktLFkku mÙkj çns'k

e/; izns’k

fcgkj

>kj[kaM

vksfM’kkNÙkhl

x<+

egkjk"Vª

if’pe caxky

caxky dh [kkM+h

vaMeku ,oa fudksckj

y{k}hi

xksokvjc lkxj

flfDdev#.

kkpy izns’

k

ukxkySaM

ef.kiqj

fetksje f=iqjk

es?kky; vle

xqtjkr

nknj ,oa uxj gosyh

neu ,oa nho

dukZVd vka/kz izns’k

rsyaxkuk

rfeyukMq iqMqpsjh

dsjy

fgan egklkxj

caxky dh [kkM+

y{k}hi

mÙkjk[kaMiatkc paMhx<+

gfj;k.kkfnYyh

jktLFkku mÙkj çns'kfcgkj

>kj[kaM

NÙkhl

x<+

vksfM’kk

e/; izns’k xqtjkrif’pe caxky

flfDdev#.k

kpy izns’k

vlees?kky;

f=iqjk fetksje

ef.kiqj

ukxkySaM

egkjk"Vª

dukZVd

rsyaxkuk

vka/kz izns’k

iqMqpsjh

vjc lkxj xksok

fgan egklkxj

vaMeku ,oa fudksckj

neu ,oa nho

nknj ,oa uxj gosyh

rfeyukMq dsjy

tEew ,oa d’ehj

fgekpy izns’k

50 yk[k ls Åij



caxky dh [kkM+h

y{k}hi

y{k}hi

fgan egklkxj

xksok

iatkc

gfj;k.kk

tEew ,oa d’ehj

fgekpy izns’kpaMhx<+

mÙkjk[kaM

fnYyh

jktLFkku mÙkj çns'kfcgkj

>kj[kaMe/; izns’k xqtjkr

NÙkhl

x<+

vksfM’kk

if’pe caxky

flfDde v#.kkpy

izns’k

vlees?kky;

f=iqjk fetksje

ef.kiqj

ukxkySaM

caxky dh [kkM+h

egkjk"Vª

rsyaxkuk

vka/kz izns’k

dukZVd

iqMqpsjh rfeyukMq dsjy


vaMeku ,oa fudksckj

vjc lkxj

nknj ,oa uxj gosyh

neu ,oa nho

y{k}hi

25 yk[k #i;s ls 50 yk[k #i;s rd

10 yk[k #i;s ls 25 yk[k #i;s rd


xzkQ 3-6 & lkoZtfud {ks= ds cSadksa ¼ih,lch½ dk [kaM&okj cdk;k oS;fäd vkokl _.k vkadM+s


3-3 vkokl foÙk daifu;ka ,oa mudk dkjksckj

;Fkk 31 ekpZ] 2016 dks uhps fn, x, xzkQ 3-7 ds 71 vkokl foÙk daifu;ksa dks iathdj.k izek.k i= iznku fd;k x;k FkkA

xzkQ 3-7 % iathd`r vkokl foÙk daifu;ksa dk oxhZdj.k

;Fkk 31 fnlEcj] 2016 dks vkokl foÙk daifu;ksa dh la[;k 82 rd c<+ xbZ gSA buesa ls 64 vkokl foÙk daifu;ksa dks fcuk vuqefr ds lkoZtfud tek Lohdkj djus dk iathdj.k izek.k i= fn;k x;k FkkA

2 yk[k #i, rd > 2 yk[k #i, ls 5 yk[k #i, rd

> 5 yk[k #i, ls

10 yk[k #i, rd

> 10 yk[k #i, ls 25 yk[k #i, rd

> 25 yk[k #i,

70

60

50

40

30

20

10

031-03-2014 31-03-2015 31-03-2016

50

55

63

8 9 8

lkoZtfud dEifu;ka futh dEifu;ka

iathd`r vkokl foÙk daifu;ksa dk oxhZdj.k


49


3-3-1 vk-fo-d- dh ’kk[kkvksa@dk;kZy;ksa dk usVodZ

vkokl foÙk daifu;ksa dh 'kk[kkvksa@dk;kZy;ksa esa yxHkx 19 izfr’kr dh okf"kZd o`f) ds lkFk ;Fkk 31 ekpZ] 2015 dks 2]958 ls ;Fkk 31 ekpZ] 2016 dks 3]512 rd dh o`f) gqbZA xzkQ 3-8 vk-fo-da- dk jkT;@dsUnz 'kkflr izns’k&okj 'kk[kkvksa@dk;kZy;ksa dk fooj.k izLrqr djrk gSA

xzkQ 3-8 & foxr 2 o"kksaZ eas iathd`r vk-fo-da- dh 'kk[kkvksa@dk;kZy;ksa dk jkT;@dsUnz 'kkflr izns’k&okj forj.k

3-3-2 vkokl foÙk daifu;ksa dh foÙkh; :ijs[kk

jk"Vªh; vkokl cSad ds lkFk iathd`r vkokl foÙk daifu;kas dk foÙk o"kZ 01 vizSy ls 31 ekpZ gksrk gS vkSj rnuqlkj fn;s x, vkadM+s 31 ekpZ] 2016 ds vuqlkj gSaA

ckWDl 3-1 & vkokl foÙk daifu;ksa dk dk;Z&fu"iknu

dk;Z&fu"iknu vkokl foÙk daifu;ksa dh dqN eq[; fof'k"Vrk,a bl izdkj gSa&

Û vk-fo-da- dk dqy _.k iksVZQksfy;ks ;Fkk 31 ekpZ] 2015 ds 5]62]315 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 rd 6]81]118 djksM+ #i;s gks x;k ftlls 21-13 izfr’kr dh o`f) gqbZA ftlesa ls]

Û vkokl _.k ;Fkk 31 ekpZ] 2015 ds 4]23]346 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 rd 5]12]589 djksM+ #i;s gks x;k ftlls 21-08 izfr’kr dh o`f) gqbZ] rFkk

Û xSj&vkokl _.k ;Fkk 31 ekpZ] 2015 ds 1]38]970 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 rd 1]68]529 djksM+ #i;s gks x;k ftlls 21-27 izfr’kr dh o`f) gqbZA

Û bld s vfrfjDr _.k ikVs QZ kfs y;k s ;Fkk 31 fnlEcj] 2016 dk s c<d+ j 7]66]009 djkMs + #i; s gk s x;kA ftle as l]s

Û vkokl _.k ;Fkk 31 fnlEcj] 2016 dks c<+dj 5]75]728 djksM+ #i;s gks x;k rFkk

Û xSj&vkokl _.k ;Fkk 31 fnlEcj] 2016 dks c<+dj 1]90]281 djksM+ #i;s gks x;kA

31-03-2015

31-03-2016

700650600550500450400350300250200150100

500

vka/kz izns’k

v#.kkpy

izns’k

vle

fcgkj

NÙkhl

x<+

xksok

xqtjkr

gfj;k.kk

fgekpy

izns’k

tEew ,oa d’ehj

>kj[kaM

dukZVd dsjy

e/; izn

s’k eg

kjk"Vª

ef.ki

qj es?kky

;

fetksje

ukxkySaM

vksfM’kk

iatkc

jktLFkku

flfDde

rfey

ukMq

f=iqjk

mÙkjk[kaM

mÙkj

izns’k

if’p

e cax

ky

vaMeku ,oa fud

ksckj

paM

hx<+

nknj ,oa ux

j go

syh

ne

u ,o

a nho

y{k}

hi

iqMqpsj

h

fnYy

h

rsyaxkuk

vf[ky Hkkjrh; vkSlr % 98

vf[ky Hkkjrh; vkSlr % 82


50


Û tgka dqy _.kksa vkSj vfxzeksa ds fy, vkokl _.k lhekar :i ls ;Fkk 31 ekpZ] 2015 ds 75-29 izfr’kr ls ?kVdj ;Fkk 31 ekpZ] 2016 rd 75-26 izfr’kr gks x, ogha dqy _.kksa vkSj vfxzeksa ds fy, xSj&vkokl _.k ;Fkk 31 ekpZ] 2015 dks 24-71 izfr’kr ls FkksM+k lk c<+dj ;Fkk 31 ekpZ] 2016 rd 24-74 izfr’kr gks x,A

Û ;Fkk 31 ekp]Z 2016 dk s th,uih,] tk s fiNy s o"k Z ¼;Fkk 31 ekp]Z 2015 dk s 6]070 djkMs + #i;½s e as yxHkx 23 ifz r’kr dh of̀) gkds j 7]452 djkMs + #i; s gk s x;k FkkA ;Fkk 31 fnlEcj] 2016 dk s vkjS c<d+ j 9]553 djkMs +#i; s gk s x;kA gkykfa d] ifz r’kr d s fglkc l s dyq _.kk as vkjS vfxez k as d s fy, th,uih, lhekra :i l s ;Fkk 31 ekp]Z 2015 d s 1-08 ifz r’kr l s c<d+ j ;Fkk 31 ekp]Z 2016 rd 1-09 ifz r’kr gk s x;kA

Û ;Fkk 31 ekpZ] 2016 dks ,u,uih, tks fiNys o"kZ ¼;Fkk 31 ekpZ] 2015 dks 2]638 djksM+ #i;s½ esa yxHkx 34 izfr’kr dh o`f) gksdj 3]537 djksM+ #i;s gks x;k FkkA ;Fkk 31 fnlEcj] 2016 dks ,u,uih, vkSj c<+dj 4]912 djksM+ #i;s gks x;kA gkykafd] izfr’kr ds fglkc ls dqy _.kksa vkSj vfxzeksa ds fy, ,u,uih, lhekar :i ls ;Fkk 31 ekpZ] 2015 ds 0-47 izfr’kr ls c<+dj ;Fkk 31 ekpZ] 2016 rd 0-52 izfr’kr gks x;kA

Û vk-fo-da- dh dqy fuoy Lokfèkd`r fufèk;ksa esa 20-84 izfr'kr dh o`f) gqbZ] vFkkZr ;Fkk 31 ekpZ] 2015 ds 61]790 djksM+ #i;s ls ;Fkk 31 ekpZ] 2016 dks 74]665 djksM+ #i;sA

Û ;Fkk 31 ekpZ] 2015 dks 21-36 izfr'kr dh o`f) ds lkFk vk-fo-da- dh cdk;k mèkkj jkf’k;ka ¼lkoZtfud tekvksa lfgr½ 5]09]016 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 rd 6]17]761 djksM+ #i;s gks x;h FkhA ;Fkk 31 fnlEcj] 2016 dks vk-fo-da- dh cdk;k mèkkj jkf’k;ka ¼lkoZtfud tekvksa lfgr½ vkSj c<+dj 7]13]823 djksM+ #i;s gks x;hA

Û ;Fkk 31 ekpZ] 2015 dks 16-55 izfr’kr dh o`f) ds lkFk cdk;k lkoZtfud tek,a 63]681 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 dks 74]222 djksM+ #i;s FkhA ;Fkk 31 fnlEcj] 2016 dks cdk;k lkoZtfud tek,a vkSj c<+dj 83]456 djksM+ #i;s gks xbZA

rkfydk 3-2 & vkokl foÙk daifu;ksa ds eq[; foÙkh; ladsrd ¼djksM+ #i;s esa½

;Fkk 31 ekpZ] 2016 dks vuqlwfpr okf.kfT;d cSadksa }kjk izk;ksftr ikap vk-fo-daifu;ka Fkh ,oa ,d vk-fo- daiuh dks cgq&jkT; lgdkjh cSad }kjk izk;ksftr fd;k x;k%


51

fooj.k 31-03-2014 31-03-2015 o`f) (%) 31-03-2016 (%) 31-12-2016

pqdrk iwath 6,014 6,629 10.23 7,904 19.23

fucaZ/k vkjf{kr fuf/k;ka 55,179 62,994 14.16 74,673 18.54 miyC/k ugha

fuoy Lokf/kd`r fuf/k;ka 51,785 61,790 19.32 74,665 20.84 miyC/k ugha

lkoZtfud tek,a 51,981 63,681 22.51 74,222 16.55 83,456

cdk;k vkokl _.k 347,858 423,346 21.70 512,589 21.08 5,75,728

cdk;k dqy _.k 463,942 562,315 21.20 681,118 21.13 7,66,009

cdk;k dqy _.kksa dk 1.18 1.08 0.10 1.09 0.01 1.24

th,uih,

Ckdk;k dqy _.kksa dk 0.56 0.47 0.09 0.52 0.05 0.64

,uih,

o`f)

miyC/k ugha



52

dsufQu gksEl fy- & dsujk cSad }kjk izk;ksftr

lsaV cSad gkse Qkbusal fy- & lsUVªy cSad vkWQ bafM;k }kjk izk;ksftr

vkbZlhvkbZlhvkbZ gkse Qkbusal da- fy- & vkbZlhvkbZlhvkbZ cSad fy- }kjk izk;ksftr

baM cSad gkmflax fy- & bafM;u cSad }kjk izk;ksftr

ih,uch gkmflax Qkbusal fy- & iatkc us’kuy cSad }kjk izk;ksftr

jsidks gkse Qkbusal fy- & jsidks cSad ¼cgq&jkT; lgdkjh cSad½ }kjk izk;ksftr

;Fkk 31 ekpZ] 2015 ,oa 31 ekpZ] 2016 dks 18 vkokl foÙk daifu;ksa dks lkoZtfud tek,a Lohdkj djus dh vuqefr ds lkFk iathdj.k izek.k i= fn;k x;k FkkA 18 vk-fo-daifu;ksa esa ls 6 dks lkoZtfud tek,a Lohdkj djus ls igys jk-vk-cSad ls fyf[kr vuqefr ysuk vko’;d gSA fiNys rhu o"kksaZ ds vk-fo-da- ds eq[; foRrh; ekinaM] ftUgsa lkoZtfud tek,a Lohdkj djus ,oa lkoZtfud tek,a Lohdkj u djus okyh vk-fo-daifu;ksa ds oxhZdj.k ds vk/kkj ij vyx&vyx dj rkfydk 3-3 esa n’kkZ;k x;k gSA

Û

Û

Û

Û

Û

Û

rkfydk 3-3 % vk-fo-da- dh tek,a Lohdkj djus dh fLFkfr ds vk/kkj ij vk-fo-da- ds eq[; foRrh; ekinaM

¼djksM+ #i;s esa½

3-3-3 vkokl foRr daifu;kas ds lalk/kuksa dh :ijs[kk

vkokl fodkl dia fu;k as dh pdq rk itaw h ¼ojh;rk 'k;s j itaw h lfgr tk s vfuok; Z rkjS ij bfDoVh e as ifjofrrZ gkrs h g½S e as ;Fkk 31 ekp]Z 2015 dk s 6]629 djkMs + #i; s l s ;Fkk 31 ekp]Z 2016 dk s 7]904 djkMs + #i; s dh of̀) gbq Z ;kuh 19-23

cdk;k vkokl _.k

4,138 1,876 6,014 4,240 2,389 6,629 4,577 3,327 7,904

48,239 6,940 55,179 54,358 8,636 62,994 60,894 13,779 74,673

43,772 8,013 51,785 51,091 10,699 61,790 57,916 16,749 74,665

51,981 -- 51,981 63,681 -- 63,681 74,222 -- 74,222 83,456 -- 83,456

311,111 36,747 347,858 370,191 53,155 423,346 432,666 80,323 512,589 472,507 103,221 575,728

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha

miyC/k ugha


ifz r’kr ifz r o"k Z dh of̀)A gkykfa d] vkokl foÙk dia fu;k as d s fuoy Lokfèkdr̀ fufèk;k as e as 20-84 ifz r’kr ifz r o"k Z dh of̀) gbq Z Fkh ;kuh ;Fkk 31 ekp]Z 2015 dk s 61]790 djksM+ #i; s l s ;Fkk 31 ekp]Z 2016 dk s 74]665 djkMs + #i;As

3-3-3-1 vkokl foÙk daifu;k¡ vius Lokfèkd`r fufèk;ksa ds vfrfjDr eq[; rkSj ij cSadksa ,oa foÙkh; laLFkkuksa ls _.kksa ,oa fMcsapjksa ij vkfJr gSaA vkokl foÙk daifu;ksa ds fy, ckW.M ,oa fMcsapj ds ekè;e ls mèkkj jkf’k;ka] vUrj&lkewfgd tek,a ¼vkbZlhMh½] okf.kfT;d i=] vèkhuLFk _.k ,oa lkoZtfud tek,a fufèk;ksa ds vU; lzksr gSaA lkoZtfud tekvksa dks NksM+dj] vkokl foÙk daifu;ksa ds cdk;k mèkkj jkf’k;ksa esa 22 izfr’kr dh o`f) gqbZ ;kuh ;Fkk 31 ekpZ] 2015 dks 445]335 djksM+ #i;s ls ;Fkk 31 ekpZ] 2016 dks 543]538 djksM+ #i;sA cSafdax iz.kkyh ls yh x;h mèkkj jkf’k;ka ;Fkk 31 ekpZ] 2015 dks 136]746 djksM+ #i;s ds ,ot esa ;Fkk 31 ekpZ] 2016 dks 166]744 djksM+ #i;s jgkA vU; mèkkj jkf’k;ka ;Fkk 31 ekpZ] 2015 ds 308]589 djksM+ #i;s ls c<+dj ;Fkk 31 ekpZ] 2016 dks 376]794 djksM+ #i;s gqbZ ftlus 22 izfr’kr dh o`f) ntZ dhA vkokl foÙk daifu;ksa ds lkFk dqy cdk;k lkoZtfud tekvksa esa 17 izfr’kr dh o`f) ntZ dh x;h ;kuh ;Fkk 31 ekpZ] 2015 dks 63]681 djksM+ #i;s ls ;Fkk 31 ekpZ] 2016 dks 74]222 djksM+ #i;sA

3-3-3-2 ;Fkk 31 ekpZ] 2015 dks vk-fo-da- dh dqy fuoy Lokfèkd`r fufèk 61]790 djksM+ #i;s Fkh tks ;Fkk 31 ekpZ] 2016 rd 74]665 djksM+ #i;s rd c<+ x;h ftlls fiNys o"kZ ls 20-84 izfr’kr dh o`f) ntZ dh x;hA vk-fo-da- ds fy, lkoZtfud tekvksa esa 16-55 izfr’kr dh o`f) gqbZ tks ;Fkk 31 ekpZ] 2015 dks 63]681 djksM+ #i;s Fkk og ;Fkk 31 ekpZ] 2016 rd 74]222 djksM+ #i;s gks x;kA vk-fo-da- ds cdk;k lalkèku vkadM+ksa ij izo`fÙk fo’ys"k.k ls irk pyrk gS fd vk-fo- daifu;ksa us mèkkj ,oa fMcsapjksa ds vfHknku ¼lClfØI’ku½ ds ekè;e ls cSadksa ls yxHkx 39 izfr’kr lalkèku tqVk;k( dqy lalkèkuksa dk yxHkx 28 izfr’kr vU;ksas }kjk vfHknRr fMcsapj gSA ;|fi vkokl foÙk daifu;ksa ds cdk;k lalkèkuksa esa yxHkx 4 izfr’kr jk-vk- cSad dh iqufoZÙk lgk;rk 'kkfey gS ysfdu mèkkj dh ykxr dks fu;af=r djus esa jk"Vªh; vkokl cSad egRoiw.kZ Hkwfedk fuHkkrk gSA xzkQ 3-9 foxr rhu o"kksZa esa vk-fo-da- ds cdk;k lalkèkuksa dh izo`fÙk n’kkZrk gS%

xzkQ 3-9% foxr rhu o"kksZa esa vk-fo-da- ds cdk;k lalkèkuksa dh izo`fÙk


53

fuoy Lokf/kd`r fuf/k

lkoZtfud tek,a

jk-vk- cSad ls m/kkj jkf’k;ka

cSadksa ls m/kkj jkf’k;ka

fons’kh m/kkj jkf’k;ka

vU; m/kkj jkf’k;ka

cSadksa }kjk vfHknRr fMcsapj

vU; }kjk vfHknRr fMcsapj


Rkkfydk 3-4 % vkokl foRr daifu;ksa dh m/kkj jkf'k;ksa dk la?kVu ¼djksM+ #i;s esa½

3-3-4 vkokl foÙk daifu;ksa esa lkoZtfud tek,a

3-3-4-1 vk-fo-da- dh vkdkj&okj lkoZtfud tek,a% o"kZ 2015&16 ds nkSjku vkokl foÙk daifu;ksa esa cdk;k lkoZtfud tekvksa us o`f) dh izo`fÙk n’kkZ;h gSA ;Fkk 31 ekpZ] 2016 dks dqy lkoZtfud tekvksa ds 89-32 izfr’kr 'ks;j ds lkFk vfèkdre 100]000 #i;s ls vfèkd lkoZtfud tek,a FkhA foxr rhu o"kksZa ds var esa lkoZtfud tekvksa dh vkdkj&okj cdk;s dh izo`fÙk dks xzkQ 3-10 esa n’kkZ;k x;k gSA izeq[k vkokl foÙk daifu;ka & gkmflax MsoyiesaV Qkbusal dkWiksZjs’ku fyfeVsM] gkmflax ,aM vcZu MsoysiesaV dkWiksZjs’ku fy-] nhoku gkmflax Qkbusal dkWiksZjs’ku fyfeVsM] ih,uch gkmflax Qkbusal fyfeVsM] x`g Qkbusal fyfeVsM] lqanje ch,uih ifjckl gkse Qkbusal fy-] ,yvkbZlh gkmflax Qkbusal fyfeVsM] bR;kfn us o"kZ 2015&16 ds nkSjku lkoZtfud tekvksa dh egRoiw.kZ jkf’k tqVkbZA

xzkQ 3-10% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh vkdkj&okj izo`fÙk

70000

60000

50000

40000

30000

20000

10000

0

31-03-2014 31-03-2015 31-03-2016

5000 :i, rd

10]001 :i, ls 25]000 :i,

50]001 :i, ls 100]000 :i,

5]001 :i, ls 10]000 :I,

25]001 :i, ls 50]000 :i,

100]000 :i, ls vf/kd


54

fooj.k 2013-14 2014-15 o`f) 2015-16

jk"Vªh; vkokl cSad 19,376 23,027 19 26,440 15

fons’kh ljdkj] fons’kh izkfèkdj.k ,oa fons’kh 3,314 5,261 59 9,398 79

ukxfjd vFkok O;fDr

cSad 128,407 136,746 6 166,744 22

vpy laifÙk;ksa vFkok ifjorZu’khy fMcsapj 169,015 200,804 19 247,863 23

ds caèkd }kjk lqjf{kr fMcsapj

cSadksa }kjk vfHknÙk fMcsapj 40,795 62,941 54 73,258 16

vU; }kjk vfHknÙk fMcsapj 128,220 137,863 8 174,606 27

vU; 49,466 79,497 61 93,093 17

lkoZtfud tek,a 51,981 63,681 23 74,222 17

dqy 421,559 509,016 21 617,761 21

(%) o`f) (%)


3-3-4-2 vkokl foÙk daifu;ksa dh C;kt nj&okj lkoZtfud tek,¡ & ;Fkk] 31 ekpZ] 2016 dks vkokl foÙk daifu;ksa }kjk la?kfVr dqy lkoZtfud tekvksa dk dqy 63 izfr’kr] 9 ls 11 izfr’kr izfro"kZ ds nj [kaM esa vkrk gSA vkokl foÙk daifu;ksa ds ikl 6 ls 9 izfr’kr izfro"kZ dh C;kt nj Js.kh esa lkoZtfud tekvksa dk 34 izfr’kr Fkk] tks fiNys o"kZ dh rqyuk esa Hkkjh o`f) dks n’kkZrk gSA fiNys rhu o"kksZa esa cdk;k lkoZtfud tekvksa ds C;kt nj&okj oxhZdj.k dh izo`fRr dks xzkQ 3-11 esa n’kkZ;k x;k gSA

xzkQ 3-11% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh C;kt nj&okj izo`fÙk

3-3-4-3 vkokl foÙk daifu;ksa dh ifjiDork&okj lkoZtfud tek,¡% foxr rhu o"kksZa esa lkoZtfud tekvksa dk ifjiDork&okj oxhZdj.k dk fo’ys"k.k ;g ladsr nsrk gS fd vf/kdrj lkoZtfud tekdrkZvksa us 24 eghus vFkok mlls vfèkd] ysfdu 48 eghus ls de dh ifjiDork vofèk dks ojh;rk nhA o"kZ 2014&15 dh rqyuk esa o"kZ 2015&16 ds nkSjku bl oxZ esa lkoZtfud tekvksa ds 'ks;j esa o`f) dh izo`fÙk ns[kh xbZA foxr rhu o"kksZa ds var esa cdk;k lkoZtfud tekvksa ds ifjiDork&okj oxhZdj.k dh izo`fÙk dks xzkQ 3-12 esa n’kkZ;k x;k gSA

xzkQ 3-12% foxr rhu o"kksZa esa vk-fo-da- dh lkoZtfud tekvksa dh ifjiDork izo`fÙk

84 eghus ls vf/kd

84 eghus

60 eghus ls vf/kd ysfdu 84 eghus ls de

60 eghus

48 eghus ;k vf/kd ysfdu 60 eghus ls de



12 eghus ls de

Ekakx vkSj lwpuk ij pqdkSrh&;ksX;

80000

70000

60000

50000

40000

30000

20000

10000

0

31-03-2014 31-03-2015 31-03-2016

0

60000

50000

40000

30000

10000

20000

0

31-03-2014 31-03-2015 31-03-2016

11 izfr’kr vFkok vf/kd ysfdu 12-5 izfr’kr ls de

C;kt eqDr

6 izfr’kr ls de

6 izfr’kr vFkok vf/kd ysfdu 9 izfr’kr ls de

9 izfr’kr vFkok vf/kd ysfdu 11 izfr’kr ls de

12-5 izfr’kr ij

12-5 izfr’kr ls vf/kd ysfdu 14 çfr'kr ls de

14 izfr’kr ls vf/kd


55


31-03-2016

31-03-2015

31-03-2014

vkokl _.k

fuos'k

vU; _.k ,oa vfxze

3-3-5 vkokl foÙk daifu;kasa dh vkfLr :ijs[kk

vkokl foÙk daifu;ksa dh vkfLr :ijs[kk esa eq[; rkSj ij vkokl _.k] vU; _.k ,oa fuos’k 'kkfey gSa( ;Fkk 31 ekpZ] 2016 dks cdk;k jkf’k 720]555 djksM+ #i;s FkhA o"kZ 2015&16 esa] vkokl _.k us yxHkx 21 izfr’kr dh okf"kZd o`f) ds lkFk ¼o"kZ 2014&15 esa 22 izfr’kr dh rqyuk esa½ vkokl foÙk daifu;ksa dh dqy vkfLr iksVZQksfy;ks dk yxHkx 71 izfr’kr dk ;ksxnku fn;kA vkokl foÙk daifu;ksa dh vkfLr :ijs[kk esa vkokl _.kksa ds i’pkr yxHkx 23 izfr’kr ds va’k ds lkFk vU; _.kksa ,oa vfxze dk LFkku vkrk gSA fuos’k dk va’k fxjkoV dh izo`fÙk esa Fkk & o"kZ 2015&16 esa vkokl foÙk daifu;ksa dh dqy vkfLr;ksa dk dsoy 6 izfr’kr jgkA vkokl foÙk daifu;ksa }kjk izLrqr vkadM+ksa ds ladyu ls izkIr dh xbZ izeq[k vkfLr;ksa dh cdk;k fLFkfr rkfydk 3-5 esa n’kkbZ x;h gSA

rkfydk 3-5 vkokl foÙk daifu;ksa ds cdk;k _.k ,oa vfxze rFkk fuos’k ¼djksM+ #i;s esa½

xzkQ 3-13 foxr rhu o"kksZa esa vk-fo-da- ds cdk;k _.k ,oa vfxze rFkk fuos’k dh izo`fRr

3-3-6 vkokl foÙk daifu;kasa ds vkokl _.k

vkokl foÙk daifu;ksa dk cdk;k vkokl _.k ;Fkk 31 ekpZ] 2015 ds 423]346 djksM+ #i;s ds cdk;k dh rqyuk esa 31 ekpZ] 2016 dks 512]589 djksM+ #i;s Fks( mlesa 21-08 izfr’kr dh o`f) ns[kh x;hA vkokl foÙk daifu;ksa ds cdk;k vU; _.k ,oa vfxze ;Fkk 31 ekpZ] 2015 ds 138]970 djksM+ #i;s dh rqyuk esa 31 ekpZ] 2016 dks 168]529 djksM+ #i;s Fks] mlesa 21-27 izfr’kr dh o`f) ns[kh x;hA


56

fooj.k 2013-14 2014-15 o`f) 2015-16 (%)

vkokl _.k

vU; _.k ,oa vfxze 116,084 138,970 19.7 168,529 21.3

fuos'k 34,228 33,817 (1.2) 39,437 16.6

dqy 498,170 596,132 19.7 720,555 20.9

(%)

347,858 423,346 21.7 512,589 21.1

o`f)



57

rkfydk 3-6 % vkokl foÙk daifu;ksa ds dqy _.kksa ds lkFk vkokl _.kksa dh rqyuk ¼djksM+ #i;s esa½

rkfydk 3-7 % vkokl foÙk daifu;ksa ds [kaM&okj oS;fäd vkokl _.k ¼djksM+ #i;s esa½

3-3-7 vkokl foRr daifu;kasa ds vkokl _.kksa dk ifjiDork Lo:i

vkokl foÙk daifu;ksa ds oS;fDrdksa gsrq cdk;k vkokl _.kksas dh ifjiDork Lo:i dh izo`fÙk dk fo’ys"k.k djus ij ;g ns[kk x;k Fkk fd yxHkx 97 izfr’kr vkokl _.kksa dh ifjiDork lkr o"kksZa ls vfèkd FkhA ;g ladsr nsrk gS fd vkokl foÙk daifu;ksa ds oS;fDrd vkokl _.k xzkgd] vkokl _.kksa ds fy, vYi vFkok eè;e vofèk dh rqyuk esa yEch vofèk dks vfèkd egRo nsrs FksA foxr rhu o"kksZa ds var esa oS;fDrdksa gsrq cdk;k vkokl _.kksa ds ifjiDork Lo:i dks xzkQ 3-14 esa n’kkZ;k x;k gSA

xzkQ 3-14% vk-fo-da- ds oS;fDrdksa gsrq vkokl _.kksa dh ifjiDork Lo:i&okj izo`fÙk

fooj.k 2013-14 2014-15 o`f) (%) 2015-16 o`f) (%)

cdk;k vkokl _.k 347,858 423,346 21.7 512,589 21.08

Ckdk;k dqy _.k 463,942 562,315 21.2 681,118 20.13

dqy _.kksa ls vkokl _.k 75.0 % 75.29% 0.3 75.26 0.6

vkokl _.k [kaM( )`

2014-15 2015-162016-17

¼31 fnlEcj] 2016 rd½

laofrj.k cdk;k ,uih,(%)

2 yk[k rd 869 3,656 4.8 1,434 3,574 6.1 1,263 4,287 10.1

> 2 yk[k ls 2,257 14,106 1.8 2,870 14,083 1.5 2,261 14,060 2.2

5 yk[k

> 5 yk[k ls 9,997 43,388 0.5 12,706 47,978 0.4 10,564 51,825 0.6

10 yk[k

> 10 yk[k ls 45,331 133,367 0.4 53,562 158,090 0.3 41,693 172,499 0.5

25 yk[k

> 25 yk[k 63,102 163,026 0.4 89,586 214,049 0.3 71,273 239,118 0.6

dqy 121,556 357,543 0.6 160,158 437,775 0.4 127,054 481,788 0.7



1 o"kZ rd 1 ls 3 o"kZ >3 ls 5 o"kZ >5 ls 7 o"kZ 7 o"kZ ls Åij


oS;fDrdksa gsrq vkokl _.k

Hkou fuekZrkvksa gsrq vkokl _.k

dkWjiksjsV fudk;ksa ,oa vU; gsrq vkokl _.k

31-03-2014

31-03-2015

31-03-2016

u;s ?kjmUu;u

ekStwnk ?kj

1200000

100000

80000

60000

40000

20000

0

31-03-2014 31-03-2015 31-03-2016

u;s ?kjmUu;u

ekStwnk ?kj

> 10 yk[k #i, vkSj 15 yk[k #i, rd


> 25 yk[k #i,

2 yk[k #i, rd



mUu;uekStwnk ?kj

u;s ?kj

3-3-8 oS;fDrdksa gsrq vkokl _.kksa dk mÌs’;&okj laforj.k

laforfjr _.kksa dk yxHkx 70 izfr’kr u;s ?kjksa ds vf/[email protected] ds fy, Fkk( 27 izfr’kr iqjkus@ekStwnk ?kjksa dh [kjhn ¼iqufoZØ;½ ds fy, Fkk( rFkk 'ks"k 3 izfr’kr eq[; ejEer lfgr mUu;u ds fy, FkkA ;g n’kkZrk gS fd vkokl foÙk daifu;ksa }kjk laforfjr vkokl _.kksa ls u;s vkfLr;ksa dk l`tu eq[; xfrfofèk FkhA foxr rhu o"kksZa ds nkSjku laforj.k dh mÌs’;okj izo`fÙk dks xzkQ 3-15 esa n’kkZ;k x;k gSA

xzkQ 3-15% vk-fo-da- ds oS;fDrdksa gsrq vkokl _.kksa dh mÌs’;&okj izo`fÙk

3-3-9 vkokl _.kksa dk m/kkjdrkZ ds izdkj&okj laforj.k

o"kZ 2014&15 dh rqyuk esa o"kZ 2015&16 esa yxHkx 18 izfr’kr dh o`f) nj ls vkokl foÙk daifu;ksa }kjk vkokl _.kksa dk laforj.k fd;k x;k FkkA o"kZ 2015&16 esa vkokl _.kksa ds laforj.k dk mèkkjdrkZvksa ds izdkj&okj fo’ys"k.k ls izrhr gksrk gS fd vkokl _.kksa dk yxHkx 73 izfr’kr oS;fDrdksa] 25 izfr’kr Hkou fuekZrkvksa ,oa 2 izfr’kr dkWjiksjsV fudk;ksa ,oa vU; ds fy, laforj.k fd;k x;k FkkA blls Li"V gksrk gS fd vkokl foÙk daifu;ksa ds vkokl _.kksa dh eq[; lsok oS;fDrdksa ij dsfUnzr FkhA foxr rhu o"kksZa esa fd;k x;k laforj.k xzkQ 3-16 esa n’kkZ;k x;k gSA

xzkQ 3-16% vkokl _.kksa dh m/kkjdrkZ ds izdkj&okj laforj.k dh izo`fRr


58


Ok"kZ 2015&16 esa vkokl foÙk daifu;ksa us u;s ?kjksa ds vfè[email protected]] mUu;u ¼eq[; ejEer lfgr½ ,oa iqjkus@ekStwnk ?kjksa dh [kjhn ¼iqufoZØ;½ ds fy, 12]38]185 _.k [kkrksa ds fy, 1]46]479 djksM+ #i;s laforfjr fd,A vyx&vyx ,oa lesfdr fooj.k dks rkfydk 3-8 ls 3-11 esa n’kkZ;s x;s gSaA

rkfydk 3-8% vk-fo-da- }kjk oS;fDrdksa dks u, ?kjksa ds vf/[email protected] gsrq vkokl _.kksa ds laforj.k dh rqyuk ¼djksM+ #i;s esa½

rkfydk 3-9% vk-fo-da- }kjk oS;fDrdksa dks mUu;u ¼eq[; ejEerksa lfgr½ gsrq vkokl _.kksa ds laforj.k dh rqyuk ¼djksM+ #i;s esa½

rkfydk 3-10% vk-fo-da- }kjk oS;fDrdksa dks iqjkus@ekStwnk ?kjksa ¼iqufoZØ;½ ds vf/kxzg.k gsrq vkokl _.kksa ds laforj.k dh rqyuk ¼djksM+ #i;s esa½


59

fooj.k 2013-14 2014-15 o`f) 2015-16 o`f) ¼izfr’kr½ ¼izfr’kr½

` 2 yk[k rd 566 826 45.9 1,324 60.3

> ` 2 yk[k ls ` 5 yk[k 1,385 1,386 0.1 1,549 11.8

> ` 5 yk[k ls ` 10 yk[k 7,199 7,088 -1.5 8,166 15.2

> ` 10 yk[k ls ` 15 yk[k 13,240 12,502 -5.6 12,623 1.0

> ` 15 yk[k ls ` 25 yk[k 17,031 21,144 24.2 24,954 18.0

` 25 yk[k ls Åij 37,281 44,384 19.1 53,750 21.1

dqy ¼1½ 76,702 87,330 13.9 1,02,366 17.2

fooj.k 2013-14 2014-15 o`f) 2015-16 o`f)¼izfr’kr½ ¼izfr’kr½

` 2 yk[k rd 57 49 -14.04 59 20.4

> ` 2 yk[k ls ` 5 yk[k 490 559 14.08 735 31.5

> ` 5 yk[k ls ` 10 yk[k 919 1,176 27.97 1,757 49.5

> ` 10 yk[k ls ` 15 yk[k 467 653 39.83 895 37.1

> ` 15 yk[k ls ` 25 yk[k 317 501 58.04 696 38.9

` 25 yk[k ls Åij 152 279 83.55 459 69.5

dqy ¼2½ 2,402 3,216 33.89 4,601 43.1


` 2 yk[k rd 28 25 -10.7 23 -8.0

> ` 2 yk[k ls ` 5 yk[k 291 301 3.4 325 8.0

> ` 5 yk[k ls ` 10 yk[k 1,720 1,722 0.1 1,960 13.8

> ` 10 yk[k ls ` 15 yk[k 2,919 3,367 15.4 3,810 13.2

> ` 15 yk[k ls ` 25 yk[k 5,948 7,237 21.7 8,985 24.2

` 25 yk[k ls Åij 14,048 18,466 31.5 24,409 32.2

dqy ¼3½ 24,954 31,118 24.7 39,512 27.0


rkfydk 3-11% vk-fo-da- }kjk oS;fDrdksa dks vkokl _.kksa ds dqy laforj.k dh rqyuk ¼djksM+ #i;s esa½

3-3-10 vkokl _.kksa dk jkT;@dsanz 'kkflr&okj laforj.k

oS;fDrdksa dks vkokl _.kksa ij] laforj.k ,oa cdk;k ij] vkSj xzkeh.k ,oa 'kgjh {ks=ksa esa Hkh vkokl _.k laforj.k ds jkT;@dsanz 'kkflrokj vkadM+ksa dks uhps rkfydk 3-12 esa n’kkZ;k x;k gSA

rkfydk 3-12% oS;fDrdksa dks vkokl _.kksa dk jkT;@dsUnz 'kkflr&okj laforj.k ¼djksM+ #i;s esa½


60


` 2 yk[k rd 651 900 38.3 1,406 56.1

> ` 2 yk[k ls ` 5 yk[k 2,166 2,246 3.7 2,609 16.2

> ` 5 yk[k ls ` 10 yk[k 9,838 9,986 1.5 11,883 19.0

> ` 10 yk[k ls ` 15 yk[k 16,625 16,522 -0.6 17,328 4.9

> ` 15 yk[k ls ` 25 yk[k 23,295 28,882 24.0 34.635 19.9

` 25 yk[k ls Åij 51,481 63,129 22.6 78,618 24.54

dqy (4) = (1) + (2) + (3) 104,057 121,665 16.9 146,479 20.4

jkT;@dsUnz 'kkflr izns'k

foRrh; o"kZ 2015&16 ds nkSjku laforj.k ;Fkk 31 ekpZ] 2016 dks cdk;k

'kgjh

la[;k jkf'k

xzkeh.k dqy

la[;k jkf'k la[;k jkf'k jkf'k

vka/kz izns’k 24,529 3,462 14,447 1,063 38,976 4,524 15,558

v#.kkpy izns’k - - - - - - 2

vle 3,428 351 51 7 3,479 358 1,551

fcgkj 2,755 409 1,682 37 4,437 446 1,268

NÙkhlx<+ 11,735 1,105 1,974 135 13,709 1,240 3,227

fnYyh 21,861 6,273 753 101 22,614 6,374 16,223

xksok 902 181 468 73 1,370 254 786

xqtjkr 72,579 7,144 41,326 2,734 113,905 9,878 22,432

gfj;k.kk 34,560 6,642 5,256 419 39,816 7,060 19,108

fgekpy izns’k 372 34 193 13 565 47 183

tEew ,oa d’ehj 575 24 1 0 576 24 86

>kj[kaM 3,846 508 496 69 4,342 577 1,822

dukZVd 45,485 9,773 46,348 5,036 91,833 14,810 44,006

dsjy 16,352 1,908 27,077 1,837 43,429 3,746 12,194

e/; izns’k 44,637 4,242 23,305 963 67,942 5,205 13,595

egkjk"Vª 221,143 32,803 122,778 8,569 343,921 41,372 117,709

ef.kiqj 104 5 6 0 110 6 62

es?kky; - - - - - - -



61

3-4 vkokl foRr esa vU; i{k

3-4-1 Hkkjrh; jk"Vªh; lgdkjh vkokl ifjla?k] Hkkjrh; lgdkjh vkokl vkanksyu dk jk"VªO;kih laxBu gSA blds xBu dh cqfu;knh t:jr ;g Fkh fd jk"Vªh; Lrj ij ,d ,slk laxBu gks tks ns’k esa vkokl lgdkjh lfefr;ksa dh xfrfof/k;ksa ds lao/kZu] fodkl ,oa leUo; dh ftEesnkjh xzg.k dj ldsA Lkgdkjh vkokl lajpuk dk fuekZ.k] tehuh Lrj ij izkFkfed vkokl lgdkjh lfefr;ksa vkSj 'kh"kZ lgdkjh vkokl ifjla?kksa ls feydj fd;k x;k gSA o"kZ 2015&16 ds nkSjku] bu ifjla?kksa us vHkh rd vius lnL;ksa ds fy, vkokl bdkbZ;ksa ds fuekZ.k gsrq izkFkfed vkokl lgdkjh lfefr;ksa dks 12]581 djksM+ :- laforfjr fd, gSaA budk cdk;k _.k iksVZQksfy;ks 1]629 djksM+ :- FkkA

rkfydk 3-13 & foxr rhu o"kksZa dh 'kh"kZ lgdkjh vkokl ifjla?kksa ¼lap;h½ ds m/kkj jkf’k;ksa] laLohd`fr;ksa ,oa laforj.kksa dh izo`fÙk ¼djksM+ #i;s esa½

çdkj 2013-14 2014-15 2015-16

m/kkj yh xbZ jkf’k

laLohd`r _.k 12,574 12,851 13,008

laforfjr _.k 12,128 12,390 12,581

10,755 10,888 11,062

fetksje 113 5 3 0 116 5 40

ukxkySaM 1 0 - - 1 0 6

vksfM’kk 7,402 697 2,692 58 10,094 755 2,405

iatkc 14,328 1,715 7,667 615 21,995 2,330 6,538

jktLFkku 53,381 4,839 17,997 1,028 71,378 5,868 15,142

flfDde 1,183 156 2 0 1,185 156 474

rfeyukMq 86,933 12,643 41,518 3,055 128,451 15,698 55,201

rsyaxkuk 38,810 6,600 8,924 1,252 47,734 7,852 22,068

f=iqjk 2 0 - - 2 0 1

mÙkjk[kaM 15,949 1,345 2,930 245 18,879 1,590 3,740

mÙkj izns’k 111,134 11,411 6,745 820 117,879 12,231 37,345

if’pe caxky 22,232 2,977 1,818 213 24,050 3,190 9,692

mi dqy 856,331 117,254 376,457 28,342 1,232,788 145,596 422,461

dsUnz 'kkflr %

paMhx<+ 1,940 552 176 24 2,116 576 -

iqMqpsjh 1,807 218 222 18 2,029 236 1,377

nknj ,oa uxj 904 54 9 1 913 55 794

gosyhneu ,oa nho 253 16 7 1 260 16 151

y{k}hi - - - - - - 50

vaMeku ,oa fudksckj - - - - - - -

}hi lewg

mi dqy 4,904 839 414 44 5,318 883 2,372

dqy 861,235 118,093 376,871 28,386 1,238,106 146,479 424,834


rkfydk 3-14 & foxr rhu o"kksZa ds laforfjr vkokl _.k ,oa ,lh,p,Q ¼jkT; okj½ }kjk fufeZr bdkbZ;ksa dh izo`fÙk ¼djksM+ #i;s esa½

3-4-2 xSj caSfdax foRrh; daifu;ka ,oa lw{e foRr laLFkku os vU; laLFkku gS tks oS;fDrdksa dks vkokl _.k iznku djus esa 'kkfey gSa] gkykafd mudk O;kiu dkQh de gSA xSj cSafdax foRrh; daifu;ksa dk vkokl _.kksa gsrq izR;{k ,Dlikst+j o"kZ 2012&13 ds 5]613 djksM+ #i, dh rqyuk esa o"kZ 2013&14 esa 17 izfr’kr dh okf"kZd o`f) nj ds lkFk 6]548 djksM+ #i, FkkA


62

jkT; 2013-14 2015-162014-15

fufeZr@foÙk iksf"kr bdkbZ;ka

jkf'k fufeZr@foÙk iksf"kr bdkbZ;ka

vka/kz izns’k miyC/k ugha miyC/k ugha 2404 32.3 miyC/k ugha miyC/k ugha

vle 815 miyC/k ugha - - - -

fcgkj - - - - - -

p.Mhx<+ miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha

fnYyh miyC/k ugha 67.3 239 52.4 238 5,966.0

xksok 26 2.6 28 2.2 30 432.8

xqtjkr - - - - - -

gfj;k.kk 840 1.9 miyC/k ugha 6.3 25 180.3

fgekpy izns’k miyC/k ugha 1.2 miyC/k ugha 1.1 miyC/k ugha 112.8

tEew ,oa d’ehj miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha

dukZVd 139 15.0 miyC/k ugha miyC/k ugha 347 974.4

dsjy 18,940 66.6 1977 84.6 2921 9,878.8

e/; izns’k miyC/k ugha miyC/k ugha - - - -

egkjk"Vª - - - - - -

ef.kiqj miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha

es?kky; miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha miyC/k ugha

vksfM’kk - - - - - -

iqMqpsjh 43 3.3 40 1.5 7 277.9

iatkc miyC/k ugha miyC/k ugha 1267 55.0 - -

jktLFkku 4 0.1 16 1.5 6 48.8

rfeyukMq miyC/k ugha miyC/k ugha 539 24.2 180 920.0

mÙkj izns’k - - - - - -

if’pe caxky - - miyC/k ugha miyC/k ugha 1,803 300.0

vU; - - - - - -

dqy 20,807 157.4 6510 261.1 5,557 19,092

jkf'k fufeZr@foÙk iksf"kr bdkbZ;ka

jkf'k


xzkQ 3-17% foÙkh; o"kZ 2015&16 ds nkSjku oS;fDrdksa dks vkokl _.kksa ds laforj.k dk jkT;&okj foHkktu

xzkQ 3-18% oS;fDrdksa gsrq cdk;k vkokl _.kksa dk jkT;&okj foHkktu

izo`fÙk% NRrhlx<+ us fiNys o”kZ dh rqyuk esa viuh fLFkfr esa lq/kkj fd;k gS rFkk gjh ls ihyh Js.kh esa pyk x;k gSA

izo`fÙk% fcgkj vkSj vaMeku ,oa fudksckj }hi lewg us fiNys o"kZ dh rqyuk esa viuh fLFkfr esa lq/kkj fd;k gSA fcgkj gjh ls ihyh Js.kh esa tcfd vaMeku ,oa fudksckj }hi lewg lQsn ls gjh Js.kh esa pyk x;k gSA

> 1,000 <= 10,000 djksM+ :i;s djksM+ :i;s

> 10,000 <= 50,000 djksM+ :i;s djksM+ :i;s

'kwU;

1000 djksM+ :i;s rd

mÙkjk[kaM

> 50,000 djksM+ :i;s

tEew ,oa d’ehj

fgekpy izns’k

iatkcpaMhx<+

gfj;k.kkfnYyh

mÙkj çns'k

jktLFkku

xqtjkr

neu ,oa nhonknj ,oa

uxj gosyh

e/; izns’k

egkjk"Vª

xksok

dukZVd

y{k}hi¼Hkkjr½ dsjy

rfeyukMq iqMqpsjh

vka/kz izns’k

rsyaxkuk

NÙkhl

x<+

vksfM’kk

>kj[kaM

fcgkj

if’pe caxky

flfDde

es?kky;

f=iqjk fetksje

ef.kiqj

v#.kkpy

izns’k

vaMeku ,oa fudksckj

vle

'kwU;

1000 djksM+ :i;s rd

> djksM+ :i;s djksM+ :i;s 1,000 <= 10,000

> djksM+ :i;s djksM+ :i;s 10,000 <= 50,000

tEew ,oa d’ehj

fgekpy izns’k

iatkcpaMhx<+

mÙkjk[kaM

fnYyhmÙkj çns'k

fcgkj

flfDdev#.

kkpy izns’

k

ukxkySaM vle

ef.kiqj

fetksje f=iqjk

es?kky;

if’pe caxky

>kj[kaM

NÙkhl

x<+

e/; izns’k

jktLFkku

xqtjkr

neu ,oa nho

nknj ,oa uxj gosyh

xksok

dukZVd

rfeyukMq

iqMqpsjh

vka/kz izns’k

rsyaxkuk

egkjk"Vª

vksfM’kk

y{k}hi

¼Hkkjr½ dsjy

gfj;k.kk

vaMeku ,oa fudksckj

vè;k; 3 % izkFkfed _.knkrk laLFkkuksa }kj vkokl foÙk dkjksckj

63



64

xzkQ 3-19% foÙkh; o"kZ 2015&16 ds nkSjku Hkou fuekZrkvksa dks vkokl _.kksa ds laforj.k dk jkT;&okj foHkktu

xzkQ 3-20 Hkou fuekZvksa gsrq cdk;k vkokl _.kksa dk jkT;&okj foHkktu

izo`fÙk% mRrj izns’k rFkk gfj;k.kk us fiNys o”kZ dh rqyuk esa viuh fLFkfr esa lq/kkj fd;k gSA mRrj izns’k gjh ls ihyh Js.kh esa pyk x;k gS tcfd gfj;k.kk ihyh ls uhyh Js.kh esa pyk x;k gSA f=iqjk gjh ls lQsn Js.kh esa uhps pyk x;k gSA

izo`fÙk% vle] iqMqpsjh] gfj;k.kk rFkk mRrj izns’k us fiNys o"kZ dh rqyuk esa viuh fLFkfr esa lq/kkj fd;k gSA vle vkSj iqMqpsjh lQsn ls gjh Js.kh esa tcfd gfj;k.kk ihyh ls uhyh Js.kh esa pyk x;k gSA

mRrj izns’k gjh ls ihyh Js.kh esa pyk x;k gSA jktLFkku ihyh ls gjh Js.kh esa uhps pyk x;k gSA

mÙkjk[kaM

jktLFkku

'kwU;

1000 djksM+ :i;s rd

> 1,000 <= 10,000 djksM+ :i;s djksM+ :i;s

> 10,000 <= 50,000 djksM+ :i;s djksM+ :i;s

tEew ,oa d’ehj

fgekpy izns’k

paMhx<+ iatkc

gfj;k.kk

fnYyhmÙkj çns'k

fcgkj

e/; izns’k

NÙkhl

x<+

egkjk"Vª

xqtjkr

neu ,oa nhonknj ,oa

uxj gosyh

xksok

dukZVd

rfeyukMq iqMqpsjh

vka/kz izns’k

dsjy

y{k}hi

¼Hkkjr½

rsyaxkuk

vksfM’kk

rsyaxkuk

>kj[kaMif’pe caxky

f=iqjk

es?kky;

flfDdev#.k

kpy izns’k

vle

ef.kiqj

fetksje

vaMeku ,oa fudksckj

vaMeku ,oa fudksckj

'kwU;

1000 djksM+ :i;s rd

> 1,000 <= 10,000 djksM+ :i;s djksM+ :i;s

> 10,000 <= 50,000 djksM+ :i;s djksM+ :i;s

tEew ,oa d’ehj

fgekpy izns’k

gfj;k.kkfnYyh

mÙkjk[kaM

mÙkj çns'k

jktLFkku

e/; izns’k xqtjkr

neu ,oa nhonknj ,oa

uxj gosyh

xksok

dukZVd

egkjk"Vª

rsyaxkuk

vka/kz izns’k

iqMqpsjh

rfeyukMq

dsjy

y{k}hi

¼Hkkjr½

fcgkj


vksfM'kk

f=iqjk fetksje

ef.kiqj es?kky;

flfDdev#

.kkpy i

zns’k

vle

paMhx<+ iatkc

NÙkhl

x<+



65

xzkQ 3-21% foÙkh; o"kZ 2015&16 ds nkSjku oS;fDrdksa dks u, ?kjksa ds vf/[email protected] gsrq vkokl _.kksa ds lafoj.k dk jkT;&okj foHkktu

izo`fÙk% f=iqjk us fiNys o”kZ dh rqyuk esa viuh fLFkfr esa lq/kkj fd;k gS rFkk lQsn ls gjh Js.kh esa pyk x;k gSA

tEew ,oa d’ehj

fgekpy izns’k

iatkcpaMhx<+

gfj;k.kkfnYyh

jktLFkku

mÙkj çns'k

e/; izns’k xqtjkr

nknj ,oa uxj gosyh

neu ,oa nho

xksok

dukZVd

y{k}hi

¼Hkkjr½

iqMqpsjh

vka/kz izns’k

rsyaxkuk

egkjk"Vª

rfeyukMq

NÙkhl

x<+

vksfM'kk


fcgkj

flfDdev#.

kkpy izn

s’k

vlees?kky;

f=iqjk fetksje

ef.kiqj

dsjy

vaMeku ,oa fudksckj

mÙkjk[kaM

'kwU;

1000 djksM+ :i;s

> 1,000 <= 10,000 djksM+ :i;s djksM+ :i;s

> 10,000 <= 50,000 djksM+ :i;s djksM+ :i;s


vè;k; 4%

4-1 i`"BHkwfe

4-2 ^ô"kZ 2022 rd lcds fy, vkokl**

o"kZ 2022 rd lcds fy, vkokl

fnukad 25 twu] 2015 dks Hkkjr ds ekuuh; ç/kkuea=h us ̂ ô"kZ 2022 rd lcds fy, vkokl fe’ku^^ dh ?kks"k.kk dhA bl fe'ku dk y{; Hkkjr dh vktknh ds 75 osa o"kZ rd ns'k ds lHkh ukxfjdksa dks fdQk;rh vkokl çnku djuk gSA ;g fe'ku ykxr ,oa vPNh xq.koÙkkiw.kZ fuekZ.k gsrq ,oa fofHkUu xfrfof/k;ka] tks blfe’ku ds Hkkx gS] ds dk;kZUo;u gsrq fofHkUu ç'kklfud varj&laca/kksa gsrq Hkh izkS|ksfxdh ds mi;ksx dks izksRlkfgr djrk gSA iz/kkuea=h vkokl ;kstuk & _.k vk/kkfjr lfClMh ;kstuk ¼ih,e,okbZ& lh,y,l,½ tks fd ,d dsaæh; {ks= ;kstuk gS] ds dk;kZUo;u ds fy, jk-vk-cSad] gMdks ds lkFk] Hkkjr ljdkj }kjk dsUnzh; uksMy ,tsalh ds :i esa fpfUgr fd;k x;k gSA bl mn~ns'; ds fy,] jk-vk-cSad us 145 çkFkfed _.knkrk laLFkkuksa ds lkFk le>kSrk Kkiu ij gLrk{kj fd;k gSA ;Fkk 31 fnlEcj] 2016 dks jk-vk-cSad us 17]032 ykHkkafor ifjokjksa ds fy, 307 djksM+ #i;s dh lfClMh tkjh dh gSA

Hkkjr ds ekuuh; jk"Vªifr us fnukad 9 twu] 2014 dks laln ds la;qä l= ds vius lacks/ku esa ?kks"k.kk dh Fkh fd ̂^tc ns'k viuh vktknh ds 75 o"kZ iwjs dj ysxk] Þgj ifjokj ds ikl ikuh ds dusD'ku ds lkFk ,d iDdk ?kj] 'kkSpky; dh lqfo/kk] 24x7 fctyh dh vkiwfrZ vkSj igqap gksxhßA bl ?kks"k.kk us ,d o`gr fe'ku ds fy, y{; fu/kkZfjr fd;k tks mu lHkh yksxksa dks vkokl vkSj lac) lqfo/kk,a miyC/k djkus dh çeq[k pqukSrh dks gy djus ds fy, gS] ftuds ikl iDdk ?kj vkSj lac) lqfo/kk,a ugha gSaA bl çdkj] fnukad 25 twu] 2015 dks Hkkjr ds ekuuh; ç/kkuea=h us ̂ ô"kZ 2022 rd lcds fy, vkoklß uked fe'ku dh ?kks"k.kk dhA ;g fe’ku Hkkjr esa gj ifjokj ds ikl jgus ds fy, ,d fVdkÅ edku gks] bls lqfuf’pr djus ds ljdkj ds n`<+ bPNk dks okLrfodrk esa cnyus dks ysdj d`r ladYi gSA

Øe'k% ç/kkuea=h vkokl ;kstuk&'kgjh ¼ih,e,okbZ&’kgjh½ ,oa ç/kkuea=h vkokl ;kstuk&xzkeh.k ¼ih,e,okbZ&xzkeh.k½ uked ;kstukvksa ds ek/;e ls fe'ku dk 'kqHkkjaHk Øe’k% 'kgjh rFkk xzkeh.k nksuksa {ks=ksa esa fd;k x;k FkkA fe'ku ds rgr 'kkfey ?kjksa ds fy, lHkh lkafof/kd uxjksa vkSj xkaoksa esa lHkh ik= ifjokjksa@ykHkkfFkZ;ksa dks dsaæh; lgk;rk çnku djus ds fy, ;g ;kstuk,a cukbZ xbZ gSaA jkT;ksa@dsaæ 'kkflr çns'kksa ds ikl lkafof/kd uxjksa ds laca/k esa tks lacaf/kr uxjikfydk {ks= ds pkjksa vksj gS] vf/klwfpr ;kstuk {ks= ds :i esa fe'ku esa 'kkfey djus dh NwV gksxhA

4-2-1 ç/kkuea=h vkokl ;kstuk&xzkeh.k ¼ih,e,okbZ&xzkeh.k½

4-2-1-1 xzkeh.k {ks=ksa esa vkokl dh deh dk fuokj.k djus vkSj 2022 rd lcds fy, vkokl fe’ku ds rgr çR;sd ifjokjksa dks iDdk ?kj miyC/k djkus ds mn~ns'; dks gkfly djus ds fy, fnukad 23 ekpZ] 2016 dks ç/kkuea=h vkokl ;kstuk ¼xzkeh.k½ dh 'kq#vkr dh xbZA ;g ;kstuk xzkeh.k vkokl dh deh dk fuokj.k djus ds fy, ,d cksyh esa i;kZIr lqfo/kkvksa ls ySl gSA ;kstuk ds fy, ,d lajfpr lM+d ekufp= vkSj ,d dk;kZUo;u j.kuhfr dks ;kstuk lajpuk esa cuk;k x;k gSA ;kstuk fMtkbu ,d oSKkfud vkSj ,d O;ofLFkr –f"Vdks.k dh ekax djrk gS rkfd ykHk lgh ykHkkfFkZ;ksa rd igqap ldsaA

4-2-1-2 ;kstuk esa ?kksf"kr mik;ksa ds lQy dk;kZUo;u esa enn djus ds fy, ih,e,okbZ&th dk;ZØe esa rS;kj fuEufyf[kr çeq[k fo'ks"krk,a gSa%


66


34 vkokl ,oa 'kgjh xjhch mi'keu ea=ky;] okf"kZd fjiksVZ 2016&17

dsUæ vkSj jkT; ljdkjksa ds chp lfØ; lg;ksx ds ek/;e ls nh xbZ vof/k esa Li"V :i ls ifjHkkf"kr y{; çkIr fd, tk ldrs gSaA

?kj ds fuekZ.k dks vklku cukus ds fy, ukfer ykHkkFkhZ dks dsaæ vkSj jkT; ljdkjksa }kjk fu/kkZfjr ;ksxnku ds lkFk mfpr foÙkh; lgk;rkA 'kkSpky;ksa ds fuekZ.k ds fy, vyx lgk;rk miyC/k gSA

ykHkkfFkZ;ksa ds p;u esa fdlh Hkh izdkj ds HksnHkko ls cpus ds fy, ,d lVhd vkSj ikjn'khZ rjhds ls ykHkkfFkZ;ksa dh igpku dh tk,xhA

bysDVª‚fud fuf/k gLrkarj.k ra= ds ek/;e ls ykHkkfFkZ;ksa dks fuf/k ds gLrkarj.k esa ikjnf'kZrkA

utnhdh fuxjkuh dks l{ke cukus ds fy, bdkbZ;ksa ds ft;ks&VSfxax ,oa ft;ks&lanHkhZdj.k tSls fofHkUu mn~ns';ksa gsrq izkS|ksfxdh dk mi;ksxA

fuekZ.k ds fy, dkS'ky fodkl esa ykHkkfFkZ;ksa dh lgk;rk djus ds fy, fo'ks"k lgk;rk ;kstuk,a vkSj vf/kdka'k lalk/kuksa dks cukus ds fy, de ykxr okyh vkoklh; çkS|ksfxdh vkfn ds fy, Kku gLrkarj.kA

ifr vkSj iRuh ds la;qä ukeksa ;k ?kj dh efgyk ds ,dek= uke ij ?kj dk vkcaVu] rkfd bl ;kstuk ds rgr çnku fd, x, fuf/k;ksa ds mfpr mi;ksx vkSj vU; lgk;rk ds çfr vf/kd tokcnsgh dk fuekZ.k fd;k tk ldsA

;kstuk ds ckjs esa foLr`r tkudkjh vkSj fnlacj 2016 rd ;kstuk ds rgr gqbZ çxfr dks dsaæ ljdkj }kjk xzkeh.k vkokl igy ds rgr v/;k; 2 esa 'kkfey fd;k x;k gSA

4-2-2 ç/kkuea=h vkokl ;kstuk&'kgjh ¼ih,e,okbZ&’kgjh½

4-2-2-1 fnukad 25 twu] 2015 dks ç/kkuea=h vkokl ;kstuk&'kgjh dh ?kks"k.kk dh xbZ FkhA bl ;kstuk dk mn~ns'; ljdkj ds –f"Vdks.k dks lekfgr djrk gS] tks ns'k ds uxjksa vkSj 'kgjksa esa lHkh ds fy, ?kj ds LokfeRo dks forfjr djrk gSA

fe'ku dks dsaæ ljdkj vkSj jkT; ljdkj nksuksa ls lk>snkjh ds lkFk foÙkh; vkSj rduhdh lgk;rk çnku djus dh ifjdYiuk dh xbZ gSA fe'ku ds varxZr 'kkfey lHkh lkafof/kd uxjksa ds lHkh ik= ifjokjksa@ykHkkfFkZ;ksa rd igqapus vkSj mUgsa doj djus dh vko';drk gSA tc ;g ;kstuk fnukad 25 twu] 2015 dks ?kksf"kr dh xbZ Fkh] rks ;g dsoy bZMCY;w,l vkSj ,yvkbZth Jsf.k;ksa ij yf{kr FkhA blfy,] ekuuh; ç/kkuea=h us fnukad 31 fnlacj] 2016 dks jk"Vª dks fn, x, vius lacks/ku esa bl fe'ku ds {ks= esa Hkh ,evkbZth Js.kh dks 'kkfey fd;k gSA ,evkbZth Js.kh ds fy, lqfo/kkvksa dk iwjk fooj.k mfpr le; ij 'kq: gks tk,xkA

34 4-2-2-2 ih,e,okbZ&’kgjh ds fy, dk;kZUo;u j.kuhfr

Hkkjr ljdkj pkj dk;Z{ks=ksa ds ek/;e ls fe'ku dks dk;kZfUor dj jgh gS tSlk fd uhps xzkQ 4-1 esa fn[kk;k x;k gS%

Û

Û

Û

Û

Û

Û

Û

vè;k; 4 % o"kZ 2022 rd lcds fy, vkokl

67


efyu cLrh dk^^Lo&LFkkus** iqufoZdkl¼^ik= ykHkkFkhZ ds fy, 1yk[k :i;s çfr vkokl*½

_.k vk/kkfjr lfClMh;kstuk ¼ik= ykHkkfFZk;ksads fy, 2-2 yk[k :i;s rd C;kt lfClMh½

lk>snkjh esa fdQk;rhvkokl

¼` 1-5 yk[k çfr vkokldh dsUæh; lgk;rk½

ykHkkFkhZuhr oS;fädvkokl dk

fuekZ.k@lao`f)¼` 1-5 yk[k çfr vkokldh dsUæh; lgk;rk½

xzkQ 4-1% ?kVd ftlds ek/;e ls ih,e,okbZ&’kgjh dk;kZfUor fd;k x;k gS

efyu cLrh dk Þ;FkkLFkkuß iqufoZdkl% 'kgjh bykdksa esa tula[;k dk ,d cM+k fgLlk] tks xkaoksa ls pyk x;k gS] efyu cLrh esa jgrk gSA bu efyu cfLr;ksa esa tks orZeku esa de LoPNrk vkSj LokLF; dh lqfo/kk ls ySl gS] dks vius fuokfl;ksa ds fy, ,d leqfpr vkokl ifjra= çnku djus gsrq iqufoZdkl dh vko';drk gSA bl ;kstuk esa ik= efyu cfLr;ksa ds fuokfl;ksa ds fy, cuk, x, lHkh ?kjksa ds fy, 1 yk[k :i;s çfr ?kj dh efyu cLrh iqufoZdkl vuqnku dh ifjdYiuk dh xbZ gSA futh fodkld ds lkFk lgHkkfxrk esa Hkwfe dk bLrseky lalk/ku ds :i esa fd;k x;k gSA

_.k vk/kkfjr lfClMh ;kstuk ¼lh,y,l,l½% lh,y,l,l ;kstuk mu yksxksa ds fy, gS ftUgksaus çkFkfed _.knkrk laLFkku ls Hkkjr esa viuk igyk ?kj [kjhnus ;k fuekZ.k djus ds fy, vkokl _.k dh lqfo/kk dk ykHk mBk;k gks ;k vius ekStwnk vkokl bdkbZ esa dqN foLrkj djuk pkgrs gksA ;kstuk ds rgr ykHkkfFkZ;ksa dks ,d ?kj [kjhnus ;k cukus ds fy,] fy, x, _.k ij ̂ C;kt lfClMh* fn;k x;k gSA m/kkjrdrkZ vf/kdre 15 o"kZ dh vof/k ds fy, 6-50 çfr'kr dh nj ls C;kt lfClMh ds fy, ik= gksaxsA C;kt lfClMh yxHkx 2-2 yk[k :i;s çfr ?kj gSA çkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ dks ;g lfClMh miyC/k djkus gsrq jk"Vªh; vkokl cSad ¼jk-vk-cSad½ vkSj gMdks dks dsUnzh; uksMy ,tsalh ds :i esa ukfer fd;k x;k gSaA

lkoZtfud ;k futh {ks= ds lkFk lk>snkjh esa fdQk;rh vkokl% fe'ku dk ;g ?kVd vkiwfrZ dh rjQ ls gLr{ksi gSA ;g ifjdYiuk dh xbZ gS fd 1-5 yk[k :i;s çfr ?kj dh dsaæh; lgk;rk] ljdkjh ,tsafl;ksa ;k futh {ks= ds vf/kdkfj;ksa ds lkFk lk>snkjh esa fdQk;rh vkokl ds rgr çnku dh tk,xhA

ykHkkFkhZuhr oS;fäd vkokl dk fuekZ.k@lao`f)% bl ?kVd dks mu ykHkkfFkZ;ksa dks doj djus ds fy, 'k: fd;k x;k gS tks ;kstuk ds vU; ?kVdksa dk ykHk ysus esa l{ke ugha gSaA ,sls ifjokj u, ?kjksa ds fuekZ.k ds fy, ;k fe'ku ds rgr ekStwnk ?kjksa dh o`f) ds fy, 1-5 yk[k :i;s dh dsaæh; lgk;rk dk ykHk mBk ldrs gSaA

Û

Û

Û

Û


68


4-2-2-3 çkS|ksfxdh mi&fe'ku

ns'k ds fofHkUu {ks=ksa ds fy, i;kZoj.k ds vuqdwy] vkink çfrjks/kh çkS|ksfxfd;ksa vkSj mfpr ;kstuk@fLFkfr dks c<+kok nsus ds fy,] ih,e,okbZ&’kgjh ds Hkkx ds :i esa ,d çkS|ksfxdh mi&fe'ku 'kq: fd;k x;k gSA ;g ifjdYiuk dh xbZ gS fd dsaæ vkSj jkT; ljdkj bPNqd vkbZvkbZVh] ,uvkbZVh vkSj ;kstuk ,oa okLrqdyk laLFkkuksa ds lkFk rduhdh lek/kku] {kerk fuekZ.k vkSj jkT;ksa vkSj 'kgjksa ds fodkl ds fy, lk>snkjh djsxhA

4-2-3 fe'ku ds rgr jk-vk-cSad dh Hkwfedk

ih,e,okbZ&lh,y,l,l dks dk;kZfUor djus ds fy, Hkkjr ljdkj] ,e,p;wih, }kjk jk-vk-cSad dh gMdks ds lkFk] dsUnzh; uksMy ,tsalh ds :i esa fpfUgr fd;k x;k gSA bl ;kstuk ds dk;kZUo;u ds fy, jk-vk-cSad us 145 çkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ ds lkFk le>kSrk Kkiu ¼,evks;w½ ij gLrk{kj fd;k gSA bUgksusa çkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ }kjk lfClMh nkoksa dks tek djus ds fy, ,d 24x7 v‚uykbu iksVZy dk fodkl fd;k gSA jk-vk-cSad bl ;kstuk ds ckjs esa çkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ vkSj ,l,y,u, dks tkx:d cukus ds fy, {ks=h; dk;Z’kkykvksa dk Hkh vk;kstu djrk gSA ;Fkk fnukad 31 fnlEcj] 2016 dks] 307 djksM+ :i;s dh lfClMh 17]032 ykHkkFkhZ ifjokjksa dks forfjr dh xbZ gS vkSj xzkQ 4-2 ds :i esa jkT;@dsaæ 'kkflr çns'kksa&okj ekufp= uhps n’kkZ;k x;k gSA

xzkQ 4-2% ;Fkk frfFk 31 fnlEcj] 2016 dks ih,e,okbZ&lh,y,l,l ds rgr jkT;@dsUnz 'kkflr izns’k okj izn’kZu

tEew ,oa d’ehj

caxky dh [kkM+h

iqMqpsjh rfeyukMq dsjy

y{k}hi

fgan egklkxj

vaMeku ,oa fudksckj

es?kky;

f=iqjk

vle

fgekpy izns’k

iatkc

gfj;k.kk

paMhx<+ mÙkjk[kaM

fnYyh

mÙkj çns'kjktLFkku

fcgkj

flfDde

if’pe caxky

>kj[kaM

NÙkhl

x<+

vksfM’kk

ef.kiqj

fetksje

ukxkySaM

v#.kkpy

izns’k

xqtjkr

vka/kz izns’kxksok

nknj ,oa uxj gosyh

neu ,oa nho

vjc lkxj

e/; izns’k

rsyaxkuk

egkjk"Vª

dukZVd


jax oxhZdj.k fuEure ¼lQsn½ ls vf/kdre ¼gjk½

69


vè;k; 4 % o"kZ 2022 rd lcds fy, vkokl

vè;k; 5 % Hkkoh ifjn`’;

5-1 5-1 vkokl 250 ls vf/kd vuq"kaxh m|ksxksa ds lkFk mudh mRiknuksÙkj vkSj mRiknu&iwoZ lgc)rk ds ek/;e ls gekjs ns’k esa vkfFkZd fodkl ds fy, ,d batu gS vkSj vkokl foÙk mDr ds fy, bZa/ku ds :i esa dk;Z djrh gSA ,ulhbZ,vkj tkap fjiksVZ ds vuqlkj] vkokl {ks= esa fd, x, izR;sd ̀ 1-00 fuos’k] ?kjsyw vk; esa ̀ 0-41 rd o`f) dj ldrs gSa] thMhih esa ̀ 1-54 tksM+ ldrs gSa] vkSj ̀ 0-12 dks vizR;{k dj ds :i esa ,d= fd;k tk ldrk gSA vr% vkokl ,oa vkokl foÙk LFkkuh; vkSj jk"Vªh; vFkZO;oLFkk nksuksa ds fy, vR;ar egRoiw.kZ gSaA tSlk fd vkokl foÙk fodkl jkstxkj] mRikndrk vkSj thMhih ij xq.kd izHkko iznku djrk gS] vkokl foÙk dk ykHk u dsoy dbZ yksxksa ds fy, jkstxkj ds fuekZ.k esa enn djrk gS cfYd yk[kksa yksxksa ds fy, lH; vkSj LFkk;h ?kjksa ds izko/kku dks Hkh l{ke cukrk gSA 1990 ds var ls O;olk; esa cSadksa vkSj ubZ vk-fo-d- ds izos’k ds lkFk mRiUu xfr] cSadksa ds cdk;k vkokl _.k ds lkFk vkokl foÙk laforj.k dh xfr etcwr vkSj fLFkj fn’kk esa vkxs c<+h gSa vkSj ;Fkk 31 ekpZ] 2016 dh fLFkfr ds vuqlkj vkokl foÙk daifu;ka 12 [kjc MkWyj rd igqap xbZ gSA

5-2 fdQk;rh vkokl dh deh vkSj mHkjrh gqbZ vko’;drkvksa dks iwjk djus ds fy,] vkokl foÙk dh xfr dks rsth ls fodkl ds iFk ij j[ks tkus dh vko’;drk gS ftlesa O;kid uhfr midj.k vkSj mfpr tksf[ke izca/ku ,oa U;wuhdj.k ds lkFk foLrkfjr fe’ku 'kkfey gSA fdQk;rh vkokl esa Hkwfe dh miyC/krk] fofu;ked izko/kku] vuqefr vkSj vuqeksnu esa foyac] fdQk;rh vkokl foÙk rd igqap vkfn ds dkj.k pqukSfr;ka gSaA Hkkjr ljdkj }kjk 'kq: fd;k x;k ^^o"kZ 2022 rd lcds fy, vkokl fe’ku** pqukSfr;ka dk lkeuk djus ds fy, lgh volj] fn’kk vkSj mfpr foÙkh; ,oa rduhdh lgk;rk iznku djrk gSA fe’ku dk eq[; fo"k; fdQk;rh vkokl esa lq/kkj }kjk izR;sd ifjokj ds fy, ,d iDdk ?kj l{ke djuk gSA egRoiw.kZ mRiknuksÙkj vkSj mRiknu&iwoZ lgc)rk dks ns[krs gq,] vU; dk;ZØeksa ds lkFk izklafxd laca/kksa ds ek/;e ls ljdkj }kjk 'kq: dh xbZ igy ds lkFk vkokl ds {ks= esa lHkh mik;ksa ds vfHklj.k lqfuf’pr djuk egRoiw.kZ gSA

5-3 ns’k esa vkokl ,d fo’kky cnyko ds f’k[kj ij gS D;ksafd 'kgjhdj.k vkokl dh vkiwfrZ dh rqyuk esa rst nj ij gksrk gSA pwafd Hkkjr yxkrkj c<+ jgk gS] fdQk;rh vkokl dh i;kZIr vkiwfrZ vius jk"Vªh; fodkl y{;ksa dks izkIr djus vkSj ns’k ds mPp fodkl nj dks l{ke cuk, j[kus ds fy, vfuok;Z gksxhA fdQk;rh vkokl dks nks rjQk dk;Zuhfr vFkkZr~ LokfeRo vkokl vkSj fdjk;s ds vkokl ds ek/;e ls iwjk fd;k tk ldrk gSA Hkkjr esa ;qok izoklh tula[;k vf/kd gS vkSj fdjk;s dk vkokl ,d cnyko yk ldrk gS tks u dsoy fdQk;rh vkokl iznku djsxk cfYd thou dh xq.koÙkk] cqfu;knh lajpuk dh miyC/krk] lalk/kuksa dk b"Vre mi;ksx vkfn ds ekeys esa Hkh lekt esa ,d vkn’kZ cnyko yk,xkA fdjk;s ds vkokl ds lkFk ̂ ^o"kZ 2022 rd lcds fy, vkokl fe’ku** ns’k ds lkekftd vkSj vkfFkZd fodkl dks lqfo/kktud cukus ds fy, ,d vuqdwy ikfjfLFkfrdh iz.kkyh dk fodkl djsxhA 'kq:vkr esa] fdls ;k D;k vkfFkZd lgk;rk izkIr gS] ds vk/kkj ij ge la;qDr jkT; vesfjdk dh rjg ;k rks ifj;kstuk vk/kkfjr ;k fdjk;snkj vk/kkfjr & fdjk;s ds vkokl ds fodYi dk irk yxk ldrs gSaA u, ikfjfLFkfrdh iz.kkyh ds ?kVd uhps xzkQ 5-1 esa fn, x, gSa%


70


xzkQ 5-1 % ^^o"kZ 2022 rd lcds fy, vkokl fe’ku** ds rgr u, ra= dk mn~Hko

5-4 vkxs gksus okyh dk;Zuhfr ,d ubZ vkokl foÙk u, ra= dks fodflr djsxh tks

vkWuykbu vkSj vkWQykbu lsokvksa ds lesfdr ,dhdj.k ds fy, osc] LekVZQksu] ,si] lks’ky ehfM;k vkfn ds c<+rs mi;ksx ds lkFk fMftVy ekdsZfVax vkSj Hkqxrku dks vkxs c<+krk gS(

mfpr fofu;eksa vkSj ljdkjh lgk;rk ds lkFk jf{kr ckaM] vkj,ech,l tSls midj.kksa ds ek/;e ls etcwr ek/;fed ca/kd cktkj ds mn~Hko ds fy, vkWuykbu izfrHkwfrdj.k IysVQkWeZ ds izko/kku dh lqfo/kk iznku djrk gS(

vkjbZvkbZVh vkfn ds ek/;e ls fdjk;k vkokl foÙkiks"k.k l{ke cukrk gS(

c<+h gqbZ ikjnf’kZrk ds ek/;e ls foÙkh; {ks= vkSj fof/k lq/kkjksa dk mi;ksx djrs gq, cM+s lkoZtfud {ks= ds lkFk&lkFk futh {ks= ds fuos’k vkdf"kZr djrk gSA

fdQk;rh vkokl foÙk dh dk;Zuhfr dks ns[krs gq,] jk-vk-cSad vius cgqewY; vuqHko ds lkFk ,d mRizsjd Hkwfedk fuHkk ldrk gSA jk-vk-cSad fdQk;rh vkokl iznku djus ds iz;klksa dh fn’kk esa viuh Je’kfDr] vkbZVh {kerkvksa vkSj Kku lalk/ku dk ykHk mBk ldrk gS vkSj fofHkUu fgr/kkjdksa ds lkFk lk>snkjh esa ,oa dsUnz@jkT; ljdkjksa] Hkkjrh; fjtoZ cSad vkSj vU; {ks=h; fofu;kedksa ds uhfr;ksa dk leFkZu dj ̂ ^o"kZ 2022 rd lcds fy, vkokl** ,oa fdjk;k vkokl ds lQy dk;kZUo;u esa ;ksxnku dj ldrk gSA

Û

Û

Û

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esd bu bafM;k %jkstxkj

mRikndrk ,oa fodkl

'kgjhdj.k vkSjcqfu;knh lajpuk

fodkl

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¼LokfeRo ,oa fdjk;sij½

tula[;k o`f)

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f'k{kk ,oa dkS'kyfodkl

LokLF; lsok

vè;k; 5 % Hkkoh ifjn`’;

71


73

REPORT ON TREND AND PROGRESS OF HOUSING IN INDIA

2016

REPORT ON TREND AND PROGRESS OF HOUSING IN INDIA

2016


75

Letter of Transmittaljk"Vªh; vkokl cSadNATIONAL HOUSING BANK

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TABLE OF CONTENTS

77

Particulars Page No.

Chapter 1: Perspective and Policy Environment

Chapter 2: Housing in India

Chapter 3: Housing Finance Business by Primary Lending Institutions

Chapter 4: Housing for All by 2022

Chapter 5: Future Outlook 146

1.1 Housing Ecosystem – A Perspective 85

1.2 Global Housing Scenario 86

1.3 Outlook on India Economy and Housing 89

1.4 Role of National Housing Bank 91

2.1 Housing as a catalyst 95

2.2 Housing Initiatives in India 95

2.3 Financial Reforms 113

2.4 Legal Reforms 115

2.5 The Real Estate (Regulation and Development) Act, 2016 and Impact areas 116

3.1 Primary Lending Institutions in Housing Finance 119

3.2 Performance of Public Sector Banks on Individual Housing Loans 123

3.3 Housing Finance Companies and their Business 125

3.4 Other Players in Housing Finance 137

4.1 Background 142

4.2 Housing for All by 2022 142

Table 1.1: Institution-wise Refinance Disbursements for the last three years 92

Table 2.1: Factors leading to shortage of houses in Rural areas 96

Table 2.2: Factors leading to shortage of houses in Urban areas 99

Table 2.3: Norms applicable for EWS and LIG segments under CLSS 101

Table 3.1: Performance of PSBs on Individual Housing Loans 123

Table 3.2: Key Financial Indicators of HFCs 127

Table 3.3: Key Financial Parameters of HFCs based on Deposit Acceptance Status of HFCs 128

Tables

Table of Contentsjk"Vªh; vkokl cSadNATIONAL HOUSING BANK


Table 3.4: Composition of Borrowings of HFCs 130

Table 3.5: Outstanding Loans & Advances and Investments of HFCs 132

Table 3.6: Comparison of Housing Loans with Total Loans of HFCs 133

Table 3.7: Slab-wise Individual Housing Loans of HFCs 133

Table 3.8: Comparison of Disbursement of Housing Loans by HFCs to Individuals for 133acquisition / construction of new houses

Table 3.9: Comparison of Disbursement of Housing Loans by HFCs to Individuals, for up 135gradation (including major repairs)

Table 3.10: Comparison of Disbursement of Housing Loans by HFCs to Individuals, for 135Acquisition of Old / Existing Houses (Resale)

Table 3.11: Comparison of Total Disbursement of Housing Loans by HFCs to Individuals 136

Table 3.12: State / UT-wise Disbursement of Housing Loans 136

Table 3.13: Trend in Borrowings, Sanctions and Disbursements of Apex Cooperative Housing Federations (Cumulative) for the last 3 years 137

Table 3.14: Trend in Housing Loan Disbursed and Units constructed by ACHFs (State wise) for the last 3 years 138

Graph 1.1: Ways to increase Affordability 89

Graph 1.2: Trends in CRR, Bank Rate, Repo Rate and 10 year G-Sec Yield 90

Graph 1.3: Scheme-wise Refinance Disbursements (in %) as on June 30, 2016 93

Graph 1.4: Tenure-wise Refinance Disbursements (in %) as on June 30, 2016 93

Graph 1.5: Trend in Project Finance Disbursements 93

Graph 3.1: Housing Loans Outstandings of Banks and HFCs 120

Graph 3.2: Housing Loans Market Share between Banks and HFCs 121

Graph 3.3: Housing Portfolio of SCBs & HFCs to Total Non-food Portfolio 121

Graph 3.4: Trend in Outstanding Housing Loans of banks and HFCs 122

Graph 3.5: Outstanding Individual Housing Loans of Top PSBs as on 31st March 2016 (Slab-wise) 124

Graph 3.6: Slab Wise Outstanding Individual Housing Loan Data of PSBs 125

Graph 3.7: Classification of Registered Housing Finance Companies 125

Graph 3.8: State/UT wise Distribution of Branches/Offices of Registered HFCs in the last 126two years

Graph 3.9: Trend of Outstanding Resources of HFCs in the last three years 129

Graph 3.10: Size-wise Trend of Public Deposits of HFCs in the preceding three years 130

Graph 3.11: Interest Rate-wise Trend of Public Deposits of HFCs in the preceding three years 131

Graph 3.12: Maturity-wise Trend of Public Deposits of HFCs in the preceding three years 131

Graphs

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Graph 3.13: Trend of Outstanding Loans & Advances and Investments of HFCs in the preceding three years

Graph 3.14: Maturity Pattern-wise Trend of HFCs’ Housing Loans to Individuals 133

Graph 3.15: Purpose-wise Trend of HFCs’ Housing Loans to Individuals 134

Graph 3.16: Borrower Type-wise Disbursement Trend of Housing Loans 134

Graph 3.17: State-wise distribution of disbursements of housing loans to Individuals during 139FY 2015-16

Graph 3.18: State-wise distribution of outstanding housing loans to individuals 139

Graph 3.19: State-wise distribution of disbursements of housing loans to Builders during 140FY 2015-16

Graph 3.20: State-wise distribution of outstanding housing loans to Builders 140

Graph 3.21: State-wise distribution of disbursement of housing loans for acquisition/ 141construction of new houses to individuals during FY 2015-16

Graph 4.1: Verticals through which PMAY-U is implemented 144

Graph 4.2: State/UT wise Performance under PMAY-CLSS as on December 31, 2016 145

Graph 5.1: Emergence of new eco-system around “Housing for All by 2022” Mission 147

Box 1.1: Global Housing 86

Box 1.2: Global Urbanisation Trends 87

Box 1.3: Investment and Financial Support to Housing 90

Box 1.4: Union Budget Announcements for the Housing Sector 90

Box 1.5: Policy Framework and Legislative Support to Housing 90

Box 1.6: Innovative Technologies and Capacity Building Support to Housing 91

Box 2.1: Gujarat 103

Box 2.2: Rajasthan 105

Box 2.3: Odisha 106

Box 2.4: Maharashtra 107

Box 2.5: West Bengal 108

Box 2.6: Chhattisgarh 110

Box 2.7: Karnataka 111

Box 2.8: Madhya Pradesh 112

Box 2.9: Uttar Pradesh 113

Box 3.1: Performance of Housing Finance Companies 126

132

Boxes

79

Table of Contents jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

ABBREVIATIONS

ACHF Apex Cooperative Housing Federation

AML Anti-Money Laundering

AMRUT Atal Mission for Rejuvenation and Urban Transformation

ARC Asset Reconstruction Company

AEGR Annual Exponential Growth Rate

AHTF Affordable Housing Task Force

AHP Affordable Housing in Partnership

BPL Below Poverty Line

BREXIT Britain’s Exit from European Union

BRGF Backward Region Grant Fund

BSUP Basic Services to the Urban Poor

CBLO Collateralized Borrowing and Lending Obligation

CBS Core Banking Solution

CERSAI Central Registry of Securitisation Asset Reconstruction and Security Interest of India

CIDCO City and Industrial Developmental Corporation

CLSS Credit Linked Subsidy Scheme

CNA Central Nodal Agency

CoR Certificate of Registration

CPI Consumer Price Index

CRAR Capital to Risk (Weighted) Assets Ratio

CRGF Credit Risk Guarantee Fund

CSDCI Construction Skill Development Council of India

DAY-NULM Deendayal Antyodaya Yojana—National Urban Livelihoods Mission

DAY-NRLM Deendayal Antyodaya Yojana—National Rural Livelihoods Mission

DILRMP Digital India Land Records Modernization Programme

DPR Detailed Project Report

DU Dwelling Units

ECB External Commercial Borrowing

EMDE Emerging Markets and Developing Economy

EME Emerging Markets Economy

EWS Economically Weaker Sections

FAR Floor Area Ratio

FDI Foreign Direct Investment

FSI Floor Space Index

GDP Gross Domestic Product

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Abbreviationsjk"Vªh; vkokl cSadNATIONAL HOUSING BANK

GNPA Gross Non Performing Asset

GOALS Governance and Accelerated Livelihood Support

GRIDS Grievance Registration & Information Database System

HFC Housing Finance Company

HMF Housing Micro Finance

HPI House Price Index

IAP Integrated Action Plan

ICD Inter Corporate Deposit

ICDS Integrated Child Development Services

IHSDP Integrated Housing and Slum Development Programme

IIR Instalment to Income Ratio

IIT Indian Institute of Technology

INVIT Infrastructure Investment Trust

KYC Know Your Customer

LIC Low Income Country

LIG Lower Income Group

LTV Loan To Value

MFI Micro Finance Institution

MGNREGA Mahatma Gandhi National Rural Employment Guarantee Act

MHADA Maharashtra Housing and Area Development Authority

MHUPA Ministry of Housing and Urban Poverty Alleviation, Government of India

MMR Mumbai Metropolitan Region

MMRDA Mumbai Metropolitan Region Development Authority

MoA Memorandum of Agreement

MoUD Ministry of Urban Development

MoU Memorandum of Understanding

NABARD National Bank for Agriculture and Rural Development

NBFC Non-Banking Financial Company

NCAER National Council for Applied Economic Research

NERDPM National Electronic Record Database for Property Management

NGO Non-Governmental Organisation

NHB National Housing Bank

NIIF National Investment and Infrastructure Fund

NIT National Institute of Technology

NNPA Net Non-Performing Asset

NOF Net Owned Funds

NPA Non-Performing Asset

NPV Net Present Value

82


83

NRSC National Remote Sensing Centre

NSDC National Skill Development Corporation

OECD Organization for Economic Co-operation and Development

ORMIS Online Reporting Management Information System

PAT Profit After Tax

PDS Public Distribution System

PLI Primary Lending Institution

PMAY-G Pradhan Mantri Awaas Yojana –Gramin

PMAY-U Pradhan Mantri Awas Yojana-Urban

PPP Public Private Partnership

PSB Public Sector Bank

PSLC Priority Sector Lending Certificate

RBI Reserve Bank of India

REIT Real Estate Investment Trust

RERA Real Estate (Regulation and Development) Act, 2016

RHB Rajasthan Housing Board

RHF Rural Housing Fund

RGRHCL Rajiv Gandhi Rural Housing Corporation Limited

RMC Rental Management Company

SAAP State Annual Action Plans

SBN Specified Bank Notes

SCB Scheduled Commercial Bank

SEBI Securities and Exchange Board of India

SECC Socio Economic and Caste Census

SFCPoA Slum-free City Plans of Action

SHG Self Help Group

SLNA State Level Nodal Agency

SPV Special Purpose Vehicle

SUH Shelter for Urban Homeless

TDR Transferable Development Rights

TOLIC Town Official Language Implementation Committee

UHF Urban Housing Fund

ULB Urban Local Body

UIT Urban Improvement Trust

UT Union Territory

WTE Waste to Energy

WTF Waste to Compost

Abbreviationsjk"Vªh; vkokl cSadNATIONAL HOUSING BANK

85

Chapter 1: Perspective and Policy Environment

1.1 Housing Ecosystem - A Perspective

The Hon’ble Finance Minister, in the Union Budget Speech 2015-16, underlined the importance

of enabling a roof over every Indian family, and reiterated the commitment of the Government of

India to the goal of Housing for All by 2022, which would require Team India to complete 2 crore

houses in urban areas and 4 crore houses in rural areas.

Some of the important factors having a bearing on the housing shortage include adequate supply of

land for housing specifically affordable housing and availability of long term and low cost sources

of funds on the demand as well as supply side of the spectrum. Therefore, policies and programmes

which are aimed at addressing these issues in a holistic manner would provide maximum impact

for improvement in the affordable housing stock of the country.

Recent policy announcements made in the Union Budget as well as other regulatory and fiscal

initiatives taken by Central or State Governments/ RBI/ NHB are aimed at providing the required

fillip to the sector for reaching to a higher plane. With the launch of the Housing for All by 2022

Mission, a multi-pronged approach, involving multiple stakeholders and addressing the various

issues affecting the affordable housing sector, has been adopted to fulfil the dream of providing a

pucca home to every Indian household.

NHB as a refinancing institution and a Central Nodal Agency for the implementation of the

Credit Linked Subsidy Scheme (CLSS) under the Pradhan Mantri Awas Yojana (PMAY) is

playing an integral role in ensuring the availability, accessibility and affordability of housing

finance in the country.

1.1.1 Housing has influence on the individual and the nation, since it is closely inter-connected with economic, social and political environment. Over the last decade, major global events that happened have left a notable impact on the global economic growth. Therefore when housing situation in India is being examined, it is important to keep the global economic and housing scenario in context.

1.1.2 Housing sector has attracted a large mindshare of the policy makers in India. It has been rightfully recognised that development of the housing sector has a direct impact on economic growth of the country; it creates a substantial social impact by according social status, safety and security of people; facilitates inclusion of a larger segment of population in country’s growth journey; and it contributes substantially towards poverty alleviation and improving the Human

1 Development Index. The investments in real estate and housing have an impact on over 250 ancillary industries either directly or indirectly. Given this far reaching impact, growth in the housing sector fuels the overall growth of the economy by facilitating social and financial inclusion and improving the income levels of many. Likewise, a downturn in the housing sector is bound to slow down the overall economic growth.

1.1.3 To get the right perspective on the housing situation in India, it is necessary to understand the extent of challenge that faces the country. With growing demand for housing, India is facing a

1 India Habitat III National Report 2016, MHUPA

Chapter 1 : Perspective and Policy Environment jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

significant housing shortage. Factors such as the shifting social and demographic patterns in the country, the cultural and economic diversity and the growing population have further complicated the housing situation in India. Urbanisation, nuclearisation of families, education, income levels and affordability, etc. have added further to the housing requirements in the country. For the twelfth plan period (2012 to 2017), shortage of housing units in India has been

2 3estimated to be 1.88 crore and 4.37 crore in urban areas and rural areas, respectively.

1.1.4 The Government of India has launched the Housing for All by 2022 Mission to facilitate home ownership for every Indian household by 75th year of India’s Independence. Various measures taken by successive governments in the past did set in motion several activities to improve the housing situation. But the real challenges that continue to exist today are consolidation of all efforts and resources for effective execution of the schemes on the ground.

The global financial crisis that hit the world in the period 2007-08, had a long lasting effect on the housing situation in different countries. The movement and trend in falling housing prices, showed diverse housing patterns across the world economies. The IMF Global Watch Report classifies the world economies into three different categories and analyses the behaviour of house price index in respect of those categories of economies. The same is summarised in Box 1.1 below.

Source: IMF Global Housing Watch, July 2016 and IMF Global Housing Watch, November 2016

1.2 Global Housing Scenario

Box 1.1: Global Housing

• As per the IMF’s Global House Price Index, average of real house prices across countries in 2016, is almost back to the level it was before the onset of the financial crisis.

• There were 21 economies, referred to as “Boom” economies, where the drop in prices in the financial crisis period of 2007-2012 was modest and was followed by a quick rebound. India was categorised amongst the “Boom” economies.

• There were 18 economies, referred to as “Bust and Boom” economies where housing markets rebounded post 2013, after falling sharply in the period 2007-2012.

• There were 18 economies referred to as “Gloom” economies in which house prices fell substantially at the onset of the crisis and have remained on a downward path

• Credit expanded much faster in “Boom” economies compared to others.

• During the period 2007 to 2012, the Gross Value Added for construction sector and number of building permits issued, fell sharply in the Bust and Boom economies and continued to remain more or less at that level post 2013.

• In the Gloom economies, the Gross Value Added for construction sector and number of building permits have fallen in the period post 2013. Even prior to that these economies witnessed only marginal levels of increase in the years after 2000 and they started falling from 2008 onwards.

2 Report of Technical Group on Urban Housing Shortage (TG-12) – (2012-17)3 Working Group on Rural Housing for the 12th Five Year Plan

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1.2.1 Urbanisation and Housing

Unemployment and lower income levels are some of the key factors due to which people gravitate towards cities and towns, leading to increased housing requirements in the urban areas. Cities and towns do have a significant share of contribution towards increasing per capita income and GDP. Even as cities remain major drivers for economic growth and catalysts for inclusion and innovation. However, higher population density causes inadequacies in housing and infrastructure provisions, leading to proliferation of slums, poverty and environmental degradation. Focus on housing and sustainable urban development, will provide solutions for making cities more inclusive, safe, resilient and sustainable and thereby facilitate economic growth. Box 1.2 lists some of the key facts about the phenomenon of urbanisation across the world.

Sources: World Urbanisation Prospects 2014- UN report, World Cities Report by UN 2016 and Mckinsey Global Institute report, October 2014.

1.2.2 Multiplier effect of the Housing Sector

1.2.2.1 Housing is highly labour intensive and provides major employment opportunity in the economy. Housing development is linked to a large number of micro and macro level industries.

5As per NCAER Study , housing sector accounts for 1% of the GDP as well as 6.9 % of the total employment. Housing was the fourth largest employment generation sector in the country. For every ̀ 1 lakh invested in the housing sector, 4 new jobs were created and ̀ 2.9 lakh got added to

Box 1.2: Global Urbanisation Trend

•may rise to 66 per cent.

• By 2030, one in every three people will live in cities with at least half-a-million inhabitants and the rural population will be maintained at about the 3 billion level, as against the urban population reaching about 5.4 billion.

• Cities with a population of more than 10 million households have increased to 25 in 2015, as compared to 13 in 1995.

• Globally, 330 million urban households around the world live in substandard housing or are financially stretched by housing costs.

• Around 200 million households in the developing world live in slums; and in US, EU, Japan and Australia more than 60 million households are financially stretched by housing costs.

• Based on current trends in urban migration and income growth, it is estimated that, by 2025, about 440 million urban households around the world, would occupy crowded, inadequate and unsafe housing or will be financially stretched.

4• The housing affordability gap is equivalent to US$650 billion per year, or 1 per cent of the global GDP. In some of the least affordable cities, this gap exceeds 10 per cent of the local GDP with a majority of the countries in the Asian and African continents having very low institutional housing finance penetration.

About 54 per cent of the world’s population lives in cities and by the middle of this century this

4 affordability gap is defined as the difference between the cost of an acceptable standard housing unit (which varies by location) and what households can afford to pay using no more than 30 percent of income5 Study on Impact of Investment in the Housing Sector on GDP and Employment in Indian Economy, NCAER, 2014

87


88

the GDP through multiplier effect. A fillip to housing construction in India, therefore, will also result in adding industrial production capacities in connected industries, besides generating large employment and income. Housing, as discussed earlier, has a significant multiplier effect in

6boosting economic activity and output in 269 ancillary industries either directly or indirectly . The construction sector, which includes housing, accounts for 8.2 per cent of India’s GDP.

1.2.2.2 With the launch of Housing for All by 2022 Mission, the housing activity across the country, both in rural and urban areas, would get a significant stimulus under the two schemes, namely, PMAY (Urban) and PMAY (Gramin). The aim of the Mission is to enable target households to own a decent and permanent DU with basic civic amenities. It foresees extending of central assistance in the form of capital or interest subsidy, through implementing agencies for enabling affordable houses to all eligible beneficiary households by 2022. The PMAY has adopted a multi-pronged holistic approach of addressing demand as well as supply constraints, through a combination of subsidy, incentive, technology and skill development, encouraging the use of local resources, participation of various stakeholders and so on. The Mission is acting as a major driving force in addressing the housing shortage in the country in a focussed approach.

1.2.3 Affordable Housing

1.2.3.1 Increasing population in urban areas is leading to a large number of migrants settling down in slums or substandard housing. The primary reason being that a good majority of people struggle to acquire a house within their affordability. In this context, the Hon’ble President of India, while addressing both houses of Parliament, emphasized on the importance of housing by saying that housing is a fundamental requirement for dignified living and that the Government is steadfast in fulfilling the aspirations of all households, particularly the poorest of the poor, to have a DU, under the Mission “Housing for All” by 2022, marking 75 years of our independence. This vision of his was transformed into the Housing for All by 2022 Mission. Although, various initiatives have been taken by the Government in this regard, bridging the gap between housing prices and affordability of the masses is still a gigantic task that needs to be addressed to fulfil the Mission.

1.2.3.2 An analysis by McKinsey Global institute shows that there are four ways to reduce the cost of delivering affordable housing and these methods can reduce the overall cost of the standard DU by 20 per cent to 50 per cent. These are as below :

Unlocking land at the right location;Reducing construction cost through innovation and adaptable techniques;Increasing operations and maintaining efficiency; and Reducing financing costs for consumers and developers.

Graph 1.1 quantifies and depicts the impact of each of these actions on the overall cost of the standard unit. As seen in graph below, unlocking of land supply can reduce the cost in the range of 8 to 23 per cent and rationalizing of construction costs can increase affordability by 12 to 16 per cent. Improved operations and lowering of finance costs can reduce the cost by 2 per cent and 7 per cent respectively.

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6 India Habitat III National Report 2016, MHUPA


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Graph 1.1: Ways to Increase Affordability (in %)

Source: McKinsey Global Institute Report, A blueprint for addressing the global affordable housing challenge, October 2014

1.3.1 Against the backdrop of a global environment characterised by relatively slow growth, the 7

Indian economy posted a comfortable GDP growth of 7.6 per cent in 2015-16. It has emerged as the fastest growing major economy with long-term growth prospects. Economic activity picked up pace and the trajectory of growth was underpinned by macroeconomic stability embodied in narrowing fiscal and current account deficits, ebbing inflation, on the back of strong policies and revived optimism. The progress of the southwest monsoon augurs well for agriculture and the rural economy. The Seventh Pay Commission award may provide a stimulus to consumption spending within the targeted fiscal deficit through the multiplier effects of Government consumption expenditure. However, sustainability of the economic growth weighs significantly on various factors. Adequate, affordable and safe housing is one of key factors in making it happen. The large and young workforce of the country can be more productive and contribute more to economic growth of our country when given adequate shelter.

1.3.2 With respect to the financial markets, the Reserve Bank of India reduced policy rates in April 2016. CPI Inflation stood at 4.9 per cent in FY 2015-16 that helped the RBI to reduce the key rates. The Repo rate cuts by RBI enabled the banks to further reduce their lending rates. Over the last few years, RBI has gradually reduced the policy rates and reserve requirements, leading to reduction in interest rates by the Primary Lending Institutions (PLIs), facilitating higher credit offtake in the housing finance sector. A reduction in interest rates also helps in credit offtake into the real estate sector through facilitating fund flow to housing projects. The Graph 1.2 shows reducing trends in Repo rate, Bank rate, 10 Years G-Sec Yield rate and CRR over the period 2012 to 2016. Repo rate has dropped from 8.5 per cent in 2012 to 6.25 per cent in 2016. Bank rate has dropped from 9.5 per cent in 2012 to 6.75 per cent in 2016. CRR has reduced from 6 per cent in 2012 to 4 per cent in 2016. The 10 year G-Sec yield has fallen from 8.47 per cent to 6.73 per cent in 2016.

1.3 Outlook on India Economy and Housing

7 Economic Survey, 2015-16

100%

80%

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2%

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Cost to the Standard Unit

Unlocking land supply

Reducingconstruction

costs

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8 India Habitat III National Report, 2016, MHUPA and Reserve Bank of India

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Cash Reserve Ratio Policy Repo Rate Bank Rate 10- Year Government Securities Yield

2012 2013 2014 2015 2016

Source: Reserve Bank of India

Graph 1.2: Trends in CRR, Bank Rate, Repo Rate and 10 year G-Sec Yield

81.3.3 Recent Initiatives for Development of Housing

The boxes given below, capture some of the initiatives taken by the Government of India that are relevant to improve housing stock.

Box 1.3: Investment and Financial Support to Housing

Box 1.4: Union Budget Announcements for the Housing Sector

Box 1.5: Policy Framework and Legislative Support to Housing

•requirements and other conditions, simplification of foreign investments in the country through automatic route instead of the government route.

• Enabled for affordable housing and slum improvement projects to facilitate the availability of long term funds for developers/builders and NHB/ specified Housing Finance Companies.

• Real Estate Investment Trusts (REITs): Allowed to garner investment in the real estate sector by providing regular income streams, diversification and long-term capital appreciation to investors.

• Several supportive announcements have been made in the Union Budget 2016 in the areas of interest payment deductions allowed, benefits for builders who construct affordable housing units, benefits for rental housing, exemption from Dividend Distribution Tax (DDT) for REITs etc. Please refer to section 2.3.1 for specific details of the announcements in Union Budget 2016 that relate to the housing sector.

• Real Estate (Regulation and Development) Act, 2016: In order to provide uniform regulatory environment to protect consumer interests, help speedy adjudication of disputes and ensure orderly growth of real estate sector, the Government has enacted the Real Estate (Regulation and Development) Act, 2016.

• Model Building Bye-laws, 2016: Government of India has brought out Model Building Bye-laws including provisions for environmental safeguards in March 2016 for adoption by the States. These building bye-laws have been updated in terms of contemporary urban trends to make them more inclusive and user friendly.

Foreign Direct Investment (FDI): Removal of minimum area and capitalization

External Commercial Borrowing (ECB):

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•would encourage promotion of rental housing for various segments of incomes and create adequate rental housing stock by promoting Social Rental Housing (SRH). The special focus is on affordability of vulnerable groups and urban poor through promoting shelter facilities for the most vulnerable groups and need based rental housing for specific target groups.

• Model State Housing Policy: A template for housing policy in urban areas has been released in June 2016 to enable the States and Union Territories to formulate/review their policies.

• Ease of Doing Business (EoDB) and Streamlining of Building-Plan-Approval Process: Approval procedures for housing and construction projects have been simplified and streamlined in consultation with other line ministries viz. Environment, Forests and Climate Change, Civil Aviation, Culture, Defence, and Consumer Affairs. PMAY Guidelines also mandate certain steps in this direction such as setting up of single window for construction permits, concept of deemed building permission and layout approval in certain circumstances, etc.

• Technology Sub-Mission: Improved construction technology and methodologies can help execute housing projects more efficiently and in lesser time. Construction techniques such as prefabricated and modular construction and innovative construction materials can further help execute projects in lesser time and with reduced resources. Towards this, a technology sub-mission has been set up under Pradhan Mantri Awas Yojana (Urban) to facilitate adoption of modern, innovative and green technologies and building materials for faster and quality construction of houses.

• Demonstration Projects: Nine states in the country evinced interest in demonstration of new and improved construction technologies keeping in view local micro-climatic conditions. Major ministries/ departments (Railways, Defence, Central Public Works Department and Public Sector Undertakings) are moving forward to adopt new technologies for employee housing and other workers. Standardized Schedule of Rates is being developed for selected technologies.

• Skill Development for Construction Workers: It is estimated that out of 45 million people employed in construction sector, less than 6 per cent have the benefit of structured training and skill building. In view of this, the current focus is to intensify skill development training for construction workers for increased productivity and more contribution of labour force to urban economy.

Rental Housing: MHUPA has drafted a National Urban Rental Housing Policy, 2016, which

Box 1.6 Innovative Technologies and Capacity Building Support to Housing

1.4 Role of National Housing Bank

Source: India Habitat III National Report, 2016, MHUPA

The National Housing Bank was established under the National Housing Bank Act, 1987, with the charter to promote housing finance institutions, provide regulatory guidance, financial support, knowledge and research support to these institutions for the development of the housing finance system in India. The NHB, which is a wholly-owned subsidiary of the Reserve Bank of India, is a multi-functional Development Finance Institution for the housing sector. Its functions include regulation & supervision of housing finance companies, financing, and promotion & development of housing finance in India. The NHB aims to promote a sound, healthy, viable and cost effective housing finance system to cater to all segments of the population and to integrate the housing finance system with the overall financial system.

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Regulation & Supervision

o Registration and surveillance of the Housing Finance Companies (HFCs)

o Issuing directions, guidelines, codes and so on to the HFCs for development of stable and sound housing finance system

o Supervision through on-site inspections and off-site surveillance

o Consumer awareness and protection of their interest

o Inter-regulators coordination

During the year 2015-16, the NHB granted Certificate of Registration (CoR) to 11 HFCs. As of 31st December 2016, there were 82 HFCs registered with the NHB. To ensure that HFCs are conducting their business affairs in a manner that is not detrimental to the interest of depositors, customers and the public at large, NHB intervenes in the executional and governance frameworks of HFCs. NHB as the regulator of HFCs, guides, monitors and inspects the activities of HFCs so that their efforts are channelized in that direction. To provide value to the stakeholders, an online Grievance Registration and Information Database System (GRIDS) has been set up by NHB to look into the grievances of customers against HFCs. Another key area where NHB actively intervenes is fraud containment in the housing finance industry. NHB collects information about frauds in the housing finance industry and regularly disseminates consolidated information on frauds to all the HFCs through caution advices. This helps the HFCs become more aware of the market events and safeguard their exposures. NHB regularly interacts with other regulators in the country for information sharing and coordination.

Financing

o Sustainable housing finance system through Refinance which includes General Refinance Scheme available at normal interest rate, as well as Special Refinance Schemes available at concessional interest rate through funds established at NHB.

o During the year 2015-16, aggregate refinance disbursements of ̀ 21,590 crore were made with more or less equal shares between HFCs and Scheduled Commercial Banks (SCBs). Institution-wise breakup of refinance disbursements made during last three years are shown in Table 1.1 below, and the scheme-wise and tenure-wise details are captured in the Graphs 1.3 and 1.4 below.

Table 1.1: Institution-wise Refinance Disbursements for the last three years ` in crore)(

Primary Lending Institutions

2013-14 2014-15 2015-162016-17 (01.07.2016-

31.12.2016)

Amount Disbursed

Amount Disbursed

% to Total

% to Total

% to Total

Amount Disbursed

Amount Disbursed

% to Total

Housing Finance 9,633 53.9 7,390 33.8 10,852 50.3 4,614 88.0Companies

Scheduled Commercial 7,943 44.5 14,114 64.6 10,275 47.6 600 11.4Banks

Regional Rural Banks 280 1.6 253 1.2 463 2.1 30 0.6

Cooperative Sector - - 90 0.4 - - - -

Total 17,856 100.0 21,847 100.0 21,590 100.0 5,244 100.0


Graph 1.3: Scheme-wise Refinance Disbursements (in %) as on June 30, 2016

Graph 1.4: Tenure-wise Refinance Disbursements (in %) as on June 30, 2016

o Project Finance directly to Public Agencies such as Housing Boards, and Development Authorities or through the Public Private Partnership Mode for land development and housing projects available at normal interest rate, as well as at concessional interest rate through fund established at NHB for slum redevelopment and low income housing.

o During the past five years, the NHB in its efforts to support EWS/LIG projects facilitated construction of about 24,000 houses, through funding to public agencies. Cumulatively, till 30th June 2016, 448 projects were sanctioned with a project cost of ` 9,590 crore and a loan component of ̀ 5,522 crore. The cumulative project finance disbursement till 31st December 2016, stood at ̀ 2,406 crore. The trend in the last 10 years is shown in Graph 1.5.

Graph 1.5: Trend in Project Finance Disbursements (` in crore)

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Promotion & Development

o Creating new players through equity participation;

o Strengthening the existing network of lending institutions;

o Capacity building for the sector;

o Spreading consumer awareness through training, seminars and so on;

o Becoming knowledge partners to various stakeholders;

o Being a nodal agency for various Government schemes; and

o Assisting in product development and hand-holding for the sector.

Equity Participation: In terms of the mandate given to the NHB towards the promotion and development of the housing finance system in the country, the NHB participates in the equity share capital of HFCs and other related companies. Currently, NHB is a participant in the equity share capital of five companies.

Implementation of Government Schemes: The NHB acts as a CNA for the implementation of the Government of India’s schemes. The schemes where NHB performs this role include

Interest Subsidy Scheme for Housing the Urban Poor, Rajiv Rinn Yojana, and Pradhan Mantri Awas Yojana (Urban) under the Mission for Housing for All by 2022 of the Ministry of Housing and Urban Poverty Alleviation,

1 per cent Interest Subvention Scheme under the Ministry of Finance, and

Capital Subsidy Scheme for the Installation of Solar Water Heating and Solar Lighting Systems in Homes under the Ministry of New and Renewable Energy.

In addition, the NHB also manages the Credit Risk Guarantee Fund Trust for low-income housing on behalf of the Ministry of Housing and Urban Poverty Alleviation.

Capacity Building: The NHB regularly undertakes measures towards the training and capacity building of various stakeholders in the sector. This includes regular interaction with various PLIs in forums such as the CEO meetings and round tables, as well as imparting and conducting training programmes. In 2015–16, the NHB conducted 11 training programmes across India, which were attended by 443 participants from various PLIs. Out of these 11, two customised programmes for two RRBs operating in Madhya Pradesh were conducted in Hindi. With a view to creating awareness and sensitising PLIs and SLNAs, the NHB undertook a campaign in 2015–16 and conducted 12 regional workshops on the Pradhan Mantri Awas Yojana - Credit Linked Subsidy Scheme. A public awareness drive was also carried out in the print, electronic and social media.

1.4.1 While performing these synergistic and mutually reinforcing roles, the NHB has contributed immensely to the growth and expansion of the housing finance market, as well as to its stability. Partnering with other institutions and policy-makers at the Centre and State levels, the NHB has formulated a number of schemes and programmes, which target at penetrating the low and middle-income segments.


Chapter

2.1 Housing as a Catalyst

2.2 Housing Initiatives in India

2: Housing in India

The Governments have implemented various schemes to enhance the supply of affordable housing to the urban and rural poor, but it was largely delivered through Government Agencies. It is necessary to involve private sector to address the challenge of housing shortage in the country. The diversity in the socio-economic fabric of the country makes it necessary to address the situation in a more inclusive manner. The Government machinery has been actively involved in implementation of PMAY-U for urban housing and PMAY-G for rural housing. Different State Governments have launched various schemes with or without the participation of private sector to specifically address their local housing needs. Several financial incentives announced by the Governments, and RBI’s monetary policy interventions to maintain the balance of risk and viability in credit in the housing finance system have encouraged the supply of more affordable housing. Legal ecosystem for the housing sector got significantly strengthened after the enactment of RERA that clearly establishes the accountability of builders towards compliance and fulfilment of promises towards home-buyers.

2.1.1 Housing sector is closely inter-connected with various other industries and any growth in housing results in growth of all those industries. At the same time, housing being a basic need for an individual, a narrative around housing has to but take into consideration the complexity of issues in the country such as unemployment, poverty, income, educational inequalities and affordability. This is because housing act as a catalyst to boost other activities in the country, either directly or indirectly, that lead to increase in employment opportunities, better education, improved income levels and alleviation of poverty.

2.1.2 Given the need for a multi-faceted approach and private sector involvement in addressing housing issues in the country, the Government has brought out a basket of special housing programmes with appropriate variants to cater to different sets of people. The programmes for rural areas are structured differently from those of the urban areas, incorporating the diversities therein. Further, Government has also initiated a set of financial and legal reforms to facilitate growth of housing sector and also to aid successful implementation of the programmes announced.

2.2.1 Rural Housing Initiatives launched by the Central Government

2.2.1.1 Rural housing acquires enormous significance for many reasons. First and foremost is to provide a safe and secured shelter to all homeless people and to those who live in dilapidated houses. The safety and protection offered by a shelter helps the individuals focus more productively on other aspects of their life such as income generation, education and health for family. Secondly, rural economy in India is still predominantly dependant on agriculture and allied activities such as livestock and fisheries. Agriculture not just supports the rural populace by providing employment, but is also considered the backbone of the Indian economy given its vital demand and supply linkages with other sectors of the economy. Growth of agriculture is critical to the growth of the economy. One of the ways to support this is to make sure that the farmers and

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Chapter 2 : Housing in India jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

agriculture field labourers in rural India are provided with safe and secure shelter to live in. Thirdly, even as the importance of agricultural sector is recognised, it opportunities outside of agriculture are also required in rural areas to help people engage in other income and value creating economic activities. Absence of other income earning opportunities is a key reason for people to move to urban areas in search of employment. In this context, development of housing in rural areas will trigger a significant amount of economic activity due to its backward and forward linkages with the economy. Efforts towards poverty alleviation in rural areas, would get much support from the housing activities.

2.2.1.2 As per the estimates of the working committee for the twelfth five year plan, total rural housing shortage was estimated to be 4.37 crore units. Within this the shortage for BPL families was estimated to be 3.93 crore units. The break-up of different factors leading to the shortage is given in the table below:

Table No. 2.1: Factors leading to shortage of houses in Rural Areas

Source: Report of Working Group on Rural Housing for Twelfth Five Year Plan, MoRD, 2011

2.2.1.3 To address the problem of rural housing shortage, Indira Awaas Yojana (IAY), the flagship scheme for rural housing, was launched by the Government of India, Ministry of Rural Development (MoRD) in June 1985. The primary objective of the scheme was to assist the Below Poverty Line (BPL) families to get a safe and durable shelter. In June 2015, the Government announced the “Housing for All by 2022” Mission. Consequent to announcement of the Mission, and with a specific purpose to consolidate all efforts going into addressing gaps and challenges in rural housing, the IAY was restructured and subsumed under the Pradhan Mantri Awaas Yojana – Gramin (PMAY-G), with effect from April 1, 2016.

2.2.1.4 Indira Awaas Yojana - IAY was a public housing scheme to assist homeless and poor families, living in dilapidated or kutcha shelters, by giving them an opportunity to build houses on land allotted to them by the Government. The scheme, as a part of the implementation strategy, accorded technical and financial assistance from the Government to such beneficiaries. As per the IAY Revised Guidelines brought out in July 2013, the scheme aimed to provide assistance for construction of a new house to a target household, which could last for at least 30 years. It envisaged using recyclable material for upgradation of dilapidated and kutcha houses. There was also a provision to provide land to the landless poor who bear the double disadvantage of being unsheltered and with no land to build a house on. The scheme also proposed to demonstrate construction of affordable units using new and green technologies. With the launch of PMAY-G, IAY got subsumed under it. The specifics of the features of IAY underwent modifications under PMAY -G.

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Factors leading to shortage of houses in Rural Areas Units (crore)

No. of Households not having houses in 2012 0.42

No. of Temporary Houses in 2012 2.02

Shortage due to Congestion in 2012 1.13

Shortage due to Obsolescence in 2012 0.75

Additional Housing Shortage arising between 2012 to 2017 0.05

Total Rural Housing Shortage 2012 – 2017 4.37

Assuming 90% of total Rural Housing Shortage for BPL families 2012 -2017 3.93


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92.2.1.5 Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) : PMAY-G aims to provide pucca houses

with basic amenities to all homeless families and households living in dilapidated houses in rural areas. The objective of the programme is to make housing available for all in rural areas by 2022. The salient features of this programme are as below:

The PMAY-G envisages to provide one crore houses in the Rural areas over the period of 3 years from 2016-17 to 2018-19. The total cost of construction these one crore houses is estimated at ̀ 1,30,075 crore, which would be arranged in the proportion of 60:40 between Government of India and State Government. However in case of North-Eastern States, the State Government share would only be 10%. In case of Union Territories, Government of India will fully fund it.

Financial assistance of ̀ 1,20,000 per unit in plain areas and ̀ 1,30,000 in hilly areas will be available.

The beneficiary would get ` 12,000 as assistance for construction of toilet through convergence under Swachh Bharat Mission-Gramin, MGNREGA or any other dedicated source of funding.

Provision of 90 / 95 person days of un-skilled labour wage under MGNREGA for construction of the house, over and above the unit assistance.

The beneficiary would be facilitated to avail an optional loan of upto ` 70,000 for construction of the house.

The minimum unit size under the scheme has been kept at 25 sq.m.

The beneficiaries would be identified through Gram Sabhas based on the Socio-Economic and Caste Census (SEC 2011) data. This brings in objectivity and transparency in selection of beneficiaries and reduces scope for discretion in selection.

Setting up of National Technical Support Agency (NTSA) at national level to provide technical support in achieving the targets set under the programme. The beneficiaries of PMAY-G, in addition to being provided project assistance, will also be given technical assistance in construction of the house.

To facilitate 100 per cent electronic transfer of funds to the ultimate beneficiaries, the States / UTs have been advised to open a single State Nodal Bank Account for direct transfer of financial assistance to the beneficiary’s Bank / Post Office Account. This is helping in cutting down any leakages, inefficiencies and delays in payments to the beneficiaries.

An Android based mobile application “AwaasApp” has been launched by the MoRD for inspection of houses. With the help of this application pictures of the house at various stages of construction can be captured with time stamps and geo-tagging to enable verification of the same by the officials. These pictures are then uploaded into “AwaasSoft”. This is mandatory under the scheme for release of assistance to the beneficiaries.

Allotment of the house under the scheme shall be made jointly in the name of husband and wife except in case of widow / unmarried / separated person. The State Government can also allot it solely in the name of the woman.

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9 Ministry of Rural Development, Annual Report 2016-17 and Framework for Implementation, PMAY-G, MoUD, September 2016.


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To address the issue of quality of houses constructed and to fill the gap of availability of trained masons in rural areas, the Ministry undertook the initiative to train the rural masons by providing them specialised training assistance. Towards this end, the MoRD has engaged with the Construction Skill Development Council of India (CSDCI) and developed a Qualification pack for the rural masons. This qualification pack has been approved by the National Skill Development Corporation (NSDC).

In collaboration with UNDP, the MoRD under Project Governance and Accelerated Livelihood Support (GOALS) had undertaken State specific studies in 18 States to identify house design typologies that are durable, suited to local geo-climatic, cultural conditions, cost saving through appropriate technologies and use of locally available materials that are disaster resilient. The MoRD has further shared the developed design typologies with the States / UTs for sharing that knowledge and expertise with the beneficiaries so that they could construct stronger and cost-effective houses.

The progress under the scheme till December 31, 2016 is summarised below:

Against an allocation of ̀ 15,000 crore under PMAY-G for the year 2016-17, the MoRD has released an amount of ` 14,290 crore. Out of this an amount of ` 4,645 crore has been utilised by the States / UT.

Based on SECC-2011 data, 1.68 crore beneficiaries have been identified as eligible to receive assistance under the programme after due verification by Gram Sabha and verification by Appellate Authority.

A target of 32.64 lakh houses has been communicated to States/UTs by the MoRD out of which District and Block-wise target of 24.14 lakh has been fixed by 19 States/UTs.

A total of 21.18 lakh houses have been constructed until December 31, 2016.

10.44 lakh households have been registered on AwaasSoft for sanctioning of houses under PMAY-G.

During the year 3.5 lakh houses have been sanctioned under PMAY-G.

4.67 lakh houses to be constructed under the programme have been geo-tagged (including capture of geo-coordinates of existing DU of the beneficiary).

It may be pertinent to mention here that the Hon’ble Prime Minister in his address to the nation on December 31, 2016, added Rural Housing Interest Subsidy Scheme (RHISS) to enable all rural households to own their pucca houses. MoRD has identified, NHB as Central Nodal Agency to implement the said Scheme through Primary Lending Institutions.

2.2.2 Urban Housing Initiatives of the Central Government

The country has seen rapid urbanisation in the last few decades. Over a period from 1996 to 2015, the urban population increased by over 17.1 crore people. As per the Census 2011 data, the urban population has been estimated to be approximately 37.7 crore, which is the second largest in the world. The number of urban cities and towns in India has gone up to 7,933. The metropolitan cities have gone up from 35 in 2001 to 52 in 2011 and they cover approximately 43 per cent of the total urban population. The Census towns in the same period have increased by

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102,532 towns. Such growth in the number of cities and towns has significant implications for housing. The total housing shortage as estimated by the Technical Group on Urban Housing Shortage for the twelfth plan period (2012-17) was 1.88 crore units. The break-up of the shortage is

11given in the table below.

Table No. 2.2: Factors leading to shortage of houses in Urban Areas

Source: Report of the Technical Group on Urban Housing Shortage (TG- 12) (2012- 17), 2011 and Annual Report 2016-17, MHUPA

122.1.2.1 Rajiv Awas Yojana

Rajiv Awas Yojana (RAY) was launched in the year 2011 and was structured for implementation in two phases. Phase 1 (June 2011-2013), was a preparatory phase and phase 2 (2013 to 2022) was the implementation phase. The scheme envisaged a ‘Slum-Free India’ with inclusive and equitable cities wherein all citizens would have access to the basic civic and social services along with a decent shelter. The scheme encouraged States / Union Territories to work towards bringing all slums within the formal system, address failures of existing formal system that lead to creation of slums and tackle the shortages of urban land through appropriate interventions. With the launch of RAY, no new projects under the BSUP and IHSDP of JNNURM were sanctioned, while the existing projects continued to receive central assistance as per plan. By the end of the twelfth plan period RAY envisaged covering 250 cities.

2.1.2.1.1 RAY implementation was structured with financial support from the Centre to States / UTs / ULBs / Other Central Government agencies. Operationally, it followed a two-stage approach for implementation - preparation of Slum-free City Plans of Action (SFCPoAs) on ‘whole city’ basis and Detailed Project Reports (DPRs) on ‘whole slum’ basis for selected slums. SFCPoA had a curative and preventive approach. Under the curative approach, development options were formulated through a process where in slums were identified, mapped, profiled, analysed for tenability and prioritised based on housing and infrastructure deficiencies. The preventive approach would look at supply options, based on an assessment of housing shortage so as to prevent newer slum formations. DPRs were prepared in an inclusive manner to cover all aspects of health, education, social security, livelihoods and connectivity to city civic infrastructure. DPRs also covered basic civic infrastructure and social amenities like water supply, sewerage, drainage, solid waste management approach, internal roads, street lighting and community facilities such as pre-schools, child care centres, health centres/sub-centres, livelihood centres etc.

10 State of Housing in India, A Statistical Compendium 2013, MHUPA11 State of Housing in India, A Statistical Compendium 2013, MHUPA12 MHUPA website and RAY Guidelines document, MHUPA

Factors leading to shortage of houses in Urban Areas Units (crore)

Households living in non-serviceable Katcha houses 0.10

Households living in Obsolescent Houses 0.23

Households living Congested Houses requiring new houses 1.50

Households in homeless conditions 0.05

Total Urban Housing Shortgage (2012-2017) 1.88

96% of total Urban Housing Shortage in the EWS and LIG categories in the 1.80period 2012-2017


13 Annual Report 2016-17, MHUPA

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2.1.2.1.2 Types of houses under the scheme included new housing for slum-dwellers without pucca houses, incremental housing in terms of improvements such as additional rooms or toilet facilities, water supply and sanitation. This is available for units with a carpet area in the range of 21 to 27 sq.m. Rental housing was another option made available to accommodate slum-tenants, labourers, urban homeless and other floating population. The approach envisaged involving beneficiaries in construction of the DUs for better monitoring and implementation. The funds to beneficiaries were to be released in a maximum of four instalments of 10% on commencement, 30% on plinth, 40% on reaching roof level and 20% on completion. Execution was through ULBs, Housing Boards or Development Authorities. It was proposed to involve the community at every stage so as to ensure people’s participation and facilitate community ownership and sustainability of the scheme.

2.1.2.1.3 RAY envisages reforms in urban governance by way of improving capacities, bringing in fiscal prudence, creation of land bank, simplifying processes to create affordable housing stock, inclusive planning and security of tenure. Certain types of reforms were Mandatory by nature. These included

Commitment and willingness to assign mortgageable and renewable long term inheritable lease rights to slum dwellers who have been resident for more than 5 years.

Reservation of higher of 15% of residential FAR / FSI or 35% of DUs for EWS / LIG categories with a system of cross-subsidisation of all future housing projects in accordance with guidelines to be prescribed by MHUPA.

Earmarking 25% of municipality budget for basic services to urban poor.

Creating and establishing a municipal cadre for social/community development and urban poverty alleviation during the plan period.

2.1.2.1.4 As a part of RAY, increase in affordable housing stock would be enabled through Affordable Housing in Partnership (AHP). Under this a Central support of up to ̀ 75,000 would be provided for EWS / LIG categories of DUs. Internal development components in affordable housing projects would be taken up under different partnerships, including private partnerships. The projects under AHP should have a minimum of 250 DUs. At least 60 per cent of FAR / FSI would be used for DUs with carpet area not exceeding 60 sq.m.

132.1.2.2 Pradhan Mantri Awas Yojana - Urban (PMAY-U)

2.1.2.2.1 Pradhan Mantri Awas Yojana – Urban (PMAY-U) was announced on June 25, 2015. The erstwhile Rajiv Awas Yojana programme of the government has been subsumed under PMAY-U. This programme is to be implemented from June 17, 2015 to March 31, 2022 and aims to construct two hundred lakh units for urban poor and slum households across 4,041 statutory towns listed in Census 2011. Under this programme, housing infrastructure in urban areas would get augmented through four specific planned measures. These are (a) slum rehabilitation with participation of private developers using land as a resource (b) offering credit-linked subsidy for development of affordable housing (c) partnering with public sector and private sector for developing affordable housing project and (d) subsidies for beneficiary-led housing construction and enhancement.

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14 MHUPA progress report

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2.1.2.2.2 The PMAY-U also has a credit linked subsidy component as Central Sector Scheme, whereby interest subsidy is provided to beneficiaries taking home loans under Economically Weaker Section (EWS) / Lower Income Group (LIG) category for purchase of property and construction of house. It may be pertinent to mention here that the Hon’ble Prime Minister in his address to the nation on December 31, 2016, added MIG category within this scheme. Under the scheme, a beneficiary family will comprise husband, wife and unmarried children. The beneficiary family should not own a pucca house (an all-weather DU) either in his/her name or in the name of any member of his/her family in any part of India. The norms applicable to EWS and LIG categories of beneficiaries is given in the table below:

Table No. 2.3: Norms applicable for EWS and LIG segments under CLSS

2.1.2.2.3 States/UTs would also need to fulfil certain mandatory conditions such as obviating the need for separate Non Agricultural (NA) Permission for residential zones, earmarking land for Affordable Housing, Single-window time bound clearances, deemed building permission and layout approvals for EWS/LIG housing, amendments in existing rental laws, additional FAR/FSI/TDR and relaxed density norms for slum redevelopment and low cost housing.

142.1.2.2.4 The progress under the PMAY-U as on December 31, 2016 is given as below :

34 MoAs have been signed with 29 States and 5 UTs;

3,619 cities have been selected in 34 States /UTs for inclusion under the programme.

2,874 projects for construction of 14.7 lakh houses for Economically Weaker Section (EWS) category in 1,808 cities have been accepted by the Government under the mission.

The Central Assistance involved in completing the 14.70 lakh houses has been estimated at ` 23,239 crore. Out of this, Central assistance of ` 6,478 crore, has been released to the concerned States against approved projects.

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Details CLSS – EWS CLSS – LIG

Beneficiary Husband+Wife+Unmarried Children

Household Income (`) Upto 3,00,000 3,00,001-6,00,000

Carpet Area (Sq.m.) 30 60

Maximum Loan amount upto 6,00,000

which Interest subsidy is available (`)

Property Location All Statutory Towns as per Census 2011 and townsnotified subsequently

Applicability of No Pucca House Not for Renovation/Upgradation

Women Ownership/Co-ownership Not for existing and required for new acquisition

Due diligence Process As per the process of the PLI

Eligible Loan Amount As per the policy applied by the PLI

Identity Proof As specified. Aadhaar Number Preferred

Compliances with Approvals, Basic Civic Infrastructure, and NBO, BIS& NDMA, End-use


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Out of the 14.7 lakh houses, 2.4 lakh houses have been grounded for construction and 44,103 houses have been completed.

Under CLSS vertical, a total of 17,634 claims for subsidy amounting to ` 316.2 crore were disbursed.

On the Technology sub-mission under PMAY-U, till December 31, 2016, eleven new technologies have been earmarked to be adopted.

Liabilities of 183 projects under the earlier Rajiv Awas Yojana (RAY), which had started on ground in various States, were subsumed in PMAY-U. During the period April 2016 to December 2016, 13,881 DUs were completed and 9,940 were occupied.

152.1.2.3 Credit Risk Guarantee Fund Scheme for Low Income Housing

2.1.2.3.1 The Union cabinet approved the establishment of Credit Risk Guarantee Fund Trust (CRGFT) for low income housing with an initial corpus of ̀ 1,000 crore under the twelfth five year plan. Under this scheme, the Trust would provide credit risk guarantee to lending institutions for loans upto ` 8 lakh given to EWS and LIG categories of people without any third party guarantee or collateral security. It may be noted that the ceiling on the home loan limit under the scheme is ` 15 lakh, but the guarantee available is only up to ` 8 lakh. 71 Banks, HFCs and NBFCs have signed MoU with the CRGF Trust. The Trust has so far issued the guarantee cover for 1,970 housing loan accounts for loan amount of ̀ 55.85 crore provided to EWS/LIG households. NHB is managing the fund trust.

162.1.2.4 Jawaharlal Nehru National Urban Renewal Mission

2.1.2.4.1 The Government launched the Jawaharlal Nehru National Urban Renewal Mission (JNNURM) on December 3, 2005. The purpose of this Mission was to assist State Governments in providing housing and basic services to urban poor/ slum dwellers. 65 cities were identified for assistance under Basic Services to the Urban Poor (BSUP), which is a sub-mission under JNNURM. For other cities and towns, assistance would be provided under the Integrated Housing and Slum Development Programme (IHSDP). The duration of the Mission was 7 years from 2005-06 which has been extended upto March 31, 2017 for completion of ongoing work in projects that have been sanctioned upto March 31, 2012.

2.1.2.4.2 Through its various projects for providing shelter, the Mission focusses on integrated development of slums, providing utilities to urban poor, other basic services and related civic amenities. The objectives under the BSUP programme of the Mission as defined in the Mission toolkit are as follows:

Focused attention to integrated development of basic services to the urban poor.

Security of tenure at affordable price, improved housing, water supply, sanitation.

Convergence of services in the fields of education, health and social security.

Providing housing near the place of occupation of urban poor, as far as possible.

Effective linkage between asset creation and asset management to ensure efficiency.

Scaling up delivery of civic amenities and provision of utilities with emphasis on universal access to urban poor and

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15 CRGFLIH Guidelines, Annual Report 2016-17, MHUPA 16 JNNURM – Guidelines and Toolkits, Annual Report 2016-17, MHUPA


17 Urban Development and Urban Housing Department, Gujarat, Summit Presentation

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Box 2.1: Gujarat

Ensuring adequate investment of funds to fulfil deficiencies in the basic services to the urban poor.

2.1.2.4.3 The objectives that the Mission focusses on under its Integrated Housing and Slum Development Programme (IHSDP) scheme are as follows:

Holistic slum development and cluster approach;

Healthy and enabling urban environment; and

Adequate shelter and basic infrastructure facilities to the slum dweller.

The progress under the Mission, till December 2016 is as below:

62 cities under BSUP and 877 cities under IHSDP have been covered.

Under BSUP, 478 on-going projects in the 62 Cities have been approved with total project cost of ̀ 23,126 crore for construction of 7.89 lakh DUs.

Under IHSDP, 1030 projects in 877 cities have been approved with total project cost of ` 9,592 crore for construction of 4.52 lakh DUs.

Out of 12.41 lakh houses approved, 10.56 lakh houses have been constructed and out of these, 8.86 lakh houses have been occupied by the beneficiaries. Construction of about 1.59 lakh DUs is under progress.

Central share of ` 17,907 crore has been disbursed to States/ UTs for the projects under JNNURM (BSUP & IHSDP).

During the period April 2016 to December 2016, under BSUP and IHSDP 47,735 DUs were completed and 79,197 DUs including unoccupied DUs of preceding years were occupied.

2.2.5 State-Level initiatives in Housing

State Governments, at their level take various initiatives to provide housing through their own policies and programmes. These policies and programmes would be in alignment with the Central Government policies and schemes or would complement them. The State level programs of some of the States are given in the boxes below

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17Mukhya Mantri GRUH Yojana

To accord special emphasis on enhancing housing stock for EWS / LIG categories and also to promote private sector participation in construction of affordable housing, Government of Gujarat introduced Mukhya Mantri GRUH Yojana (MMGY) in 2013. Besides private sector participation, use of new and cost effective technologies has also been considered in this scheme. The sizes of units in terms of built up area under the Yojana would be 30 sq.m. for EWS category, 40 sq.m. for category for LIG-1, 50 sq.m. for LIG-2 and 65 sq.m. for MIG category of beneficiaries. The different policy initiatives under the MMGY are as below:


18 Urban Development and Urban Housing Department, Gujarat, Affordable Housing Policy19 Compendium of best practices in States, 2015, MHUPA

18• Affordable Housing Mission 2014 : Under this Mission the State Government plans to construct 50 lakh houses in five years. Out of this 22 lakh houses are planned in urban areas. As a part of this plan, beneficiaries who fall under EWS/LIG I and II and MIG I, will get well planned houses having basic civic amenities at affordable price. The projects would be developed in a partnership between private sector and Gujarat Housing Board. To incentivise the private sector, the plots on which affordable categories of houses are built will be eligible for FSI up to 3. Out of the total land that is available for use, on the portion of land other than that earmarked for affordable housing, the developer is free to undertake any type of construction including constructing commercial up to 10 per cent of total construction.

• Slum Rehabilitation Policy 2013 : This scheme facilitates in-situ slum rehabilitation on public land parcels. The objective is to facilitate affordable housing for the EWS category. The scheme is implemented under Gujarat Urban Development Mission through various Municipalities, Municipal Corporations, Regional Development Authorities and Gujarat Housing Board. The area of units would be 25 to 30 sq.m. covering two rooms, kitchen, bathroom and toilet. Under the PPP variant of the scheme, private sector is incentivised through TDRs to participate. Under the Government funded variant, the funding is shared by Central Government, State Government / ULBs and beneficiaries in the proportion of 50 per cent, 38 per cent and 12 per cent respectively. Financial assistance of up to ̀ 1,00,000 is envisaged under the scheme.

• Capital Subsidy for affordable housing for LIG: This scheme is to facilitate affordable housing for LIG category. The unit size can go up to 50 sq.m. under the scheme. This scheme is fully funded by the State Government. Financial assistance of up to ̀ 1,00,000 per unit is envisaged under the scheme.

19• Achievements:

o MMGY got more than 4.71 lakh houses initiated under its various components, out of which about 1.37 lakh houses have been allotted to beneficiaries.

o About 1.16 lakh houses have been completed.

o Building structure is completed for about 60,500 houses, about 79,000 houses are under construction, and about 62,800 houses are under tender process. All this has happened within a span of one year.

o Out of 54,000 houses planned for slum rehabilitation in PPP mode, more than 1,000 houses are completed, building structure completed for about 4,000 houses and about 4,600 under construction.

o Out of 2,13,000 houses planned for Affordable housing , more than 5,000 houses are completed, building structure completed for about 45,000 houses, about 57,600 under construction.

o Under the in-situ Slum Rehabilitation scheme, more than 2,04,000 houses are in the process of rehabilitation. These have been mostly taken up in 2013- 14 and 2014-15. More than 88,300 slum families in all have already been rehabilitated with pucca houses and civic amenities.

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20Garib Samruddhi Yojana

The objective of this scheme is to provide ownership dwellings for urban poor. An amount of ` 2,200 crore has been earmarked under the scheme. 2,50,000 units are proposed to be constructed. The lady of the house would be the first owner of the DU. The scheme proposes to augment the current dwellings with additional facilities and where necessary convert into multi-storied buildings.

21Progress under PMAY-U in the State as of 31st December 2016

• 171 cities have been selected in the State for inclusion under the programme.

• 163 projects for construction of 1,33,347 houses for Economically Weaker Section (EWS) category in 49 cities have been accepted under the mission.

• The Central Assistance involved in completing the 1,33,347 houses has been estimated at ` 1,806 crore. Out of this, Central assistance of ` 695 crore, has been released to the State against approved projects.

• Out of the 1,33,347 houses, 58,824 houses have been grounded for construction and 9,070 houses have been completed.

To address the housing shortage in the State, the Department of Urban Development Housing and Local Self Government, Rajasthan, came out with a new policy – Chief Minister’s Jana Awas Yojana – 2015. The key feature of this policy was that it had several provisions to encourage private sector participation in EWS / LIG housing in the State, in addition to involving Housing Board, Development Authorities, Improvement Trusts and Urban Local Bodies.

22Chief Minister’s Jana Awas Yojana-2015

The principal goals of Chief Minister's Jan Awas Yojana – 2015 are as below:

• To achieve the objective of Affordable Housing for All, by creation of EWS/LIG housing stock to fulfil housing shortage in the State.

• To attract private investment for construction of houses for EWS/LIG segment of the society, by giving incentives to the private developers.

• To motivate Government agencies and private developers to take up construction of Affordable Housing.

• To identify land for affordable housing which can be monetized by inviting private participation on a large scale.

• To expedite the process of construction developers by facilitating fast track approvals.

The State Government has formulated detailed guidelines for the following formats of development under this programme:

Box 2.2: Rajasthan

20 Urban Development and Urban Housing Department, Gujarat, Summit Presentation 21 MHUPA Progress Report22Chief Minister’s Jana Awas Yojana – 2015, Policy document

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• Residential Schemes of ULBs / UITs / Development Authorities / RHB and Private Developers.

• Development of Affordable Houses by Private Developer on Private Land in Partnership.

• Development of EWS/LIG flats by Private Developer on whole of Private Land (flatted development, above G+3 format).

• Development of EWS/LIG houses by Private Developer on whole of Private Land (Plotted development with G+3 format).

• Construction of EWS/LIG Houses on Government Land by private builder in G+3 format and multi-storied format.

• Affordable Housing on Government Land by Private Developer in cities with population 1 to 3 lakh.

Private developers are being offered various incentives in the form of higher FAR and TDR facility. In addition, they are also being given waiver of charges for Government Approvals, Fast-Tracking of approvals, cross subsidization of land and commercial use of up to 10 per cent of the total area allotted and buy-back of flats at a pre-determined rate by Nodal agency of the Government.

23 Progress under PMAY-U in the State as of December 31, 2016


• 56 projects for construction of 36,575 houses for Economically Weaker Section (EWS) category in 31 cities have been accepted under the mission.

• The Central Assistance involved in completing the 36,575 houses has been estimated at ` 670 crore. Out of this, Central assistance of ` 329 crore, has been released to the State against approved projects.

• Out of the 36,575 houses, 13,508 houses have been grounded for construction and 9,779 houses have been completed.

24 Policy for Housing for All in Urban Areas – Odisha 2015

This policy that has been announced by the Government of Odisha, is an extension of the “Housing for All by 2022” programme of the Indian Government. The technical Group on Urban Housing Shortage for the twelfth five year plan (2012-2017) estimated a shortfall of about 4.10 lakh housing units in Odisha. Out of this number, about 3.60 lakh units would have to be added in the Bhubaneswar – Cuttack region to support the economic growth in this region over the next decade. Much of this requirement is for the EWS and LIG categories. The policy construct has a built-in incentive mechanism that would encourage all stakeholders, including the private developers to take up construction of houses for EWS and LIG households in urban areas of Odisha. The initial target fixed by the government is to construct 1,00,000 houses.

Box 2.3: Odisha

23 MHUPA Progress Report24 Policy for Housing for All in Urban Areas, Odisha 2015

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The policy envisages development of housing through the following initiatives:

• Development of EWS housing to be mandatory.

• For development of EWS and LIG housing, Government offers incentives for market-based development.

• Focus on development of affordable housing projects.

• Relocation and rehabilitation.

• Rental housing.

• In-situ slum redevelopment.

• Beneficiary-led individual housing construction or enhancement.

Other initiatives of the Odisha housing policy include (a) All clearances to happen through a Single-window system (b) Registration of applicants and beneficiaries to be done online, coupled with biometric validations; these would be followed by social audit of documents (c) Odisha housing mission to help through facilitation centres to those applicants who do not have access to computer and internet and (d) Beneficiaries will all be members of the Registered society at the project level.





• Out of the 46,626 houses, 4,025 houses have been grounded for construction and 1,001 houses have been completed.

26 Maharashtra State New Housing Policy and Action Plan 2015 The New Housing Policy was announced on the backdrop of the State Government’s resolve to provide 19 lakh houses by the year 2022, with main thrust on EWS, LIG and MIG housing. The Policy, has set a target to create 11 lakh homes in the Mumbai Metropolitan Region (MMR) and 8 lakh homes outside MMR by 2022. The over-arching policy objective is “Housing for All”. In line with this objective, the policy defines directives as below:

• Continuous creation of land bank for affordable housing by using both Government lands as well as lands belonging to the private sector.

• Increase supply of affordable housing in the market leading to reduction in price to the consumer.

Box 2.4: Maharashtra

25MHUPA Progress Report26 Maharashtra State New Housing Policy and Action Plan 2015

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• Optimum use of existing land resource by encouraging redevelopment.

• Improving quality of life, overall living standards with due concern for environment.

• Ease of doing business.

Various specific steps have been announced under the scheme to facilitate housing for the EWS / LIG segments. To help this segment, Maharashtra Housing and Area Development Authority (MHADA) would set up a corpus with an initial fund of ` 1,000 crore. The stamp duty and registration charges for sale and purchase of homes has also been reduced to 1 per cent, 2 per cent and 3 per cent of the market value respectively for EWS, LIG and MIG houses. A nominal registration charge of ̀ 1000 would be charged.

Supply of units is proposed to be increased through allotment of Government Land at nominal prices for EWS / LIG housing and at prevailing circle rates for MIG / HIG housing. The policy also paves way for acquisition of private land by agencies like MHADA, CIDCO and MMRDA for affordable housing. Private developer participation is being encouraged through making provisions for granting higher FSI for affordable housing projects with some accompanying conditions. The State Government has also announced schemes for optimum use of land resources, various new and redevelopment initiatives under MHADA, urban renewal schemes, schemes for redevelopment of “chawls” and Slum upgradation, rehabilitation and redevelopment.




• The Central Assistance involved in completing the 1,19,102 houses has been estimated at ̀ 1,775crore. Out of this, Central assistance of ` 372 crore, has been released to the State against approved projects.

The Government of West Bengal, through its Housing Department, has initiated several schemes targeted to address the State’s needs for affordable housing and in particular for construction of houses for urban poor and economically weaker sections of the society. Some of the schemes that the State Government is offering are as below:

Gitanjali: This scheme is being offered in rural areas and non-Municipal urban areas in coordination with other Government departments. In 2014, the Government of West Bengal, through a Memorandum announced that this scheme would be re-cast along the lines of IAY. The scheme aims to facilitate shelters to the economically weaker sections of the society as well as to create additional employment opportunities for the construction workers. Under the scheme, the beneficiaries would construct the houses themselves and no contracting agency would be engaged. People with a family income of ` 6000 or less would be eligible. People in the BPL

Box 2.5: West Bengal

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category would be given priority. The scheme was envisaged to be applicable in both rural and urban areas of the State.

The cost of such DU for new construction on beneficiary’s land in rural areas varies across the span and terrain of the state as given below owing to different soil and climatic conditions:

• ̀ 1.67 lakh for beneficiaries residing in rural areas of plains.

• ` 1.23 lakh for fishermen residing in non-coastal areas to be implemented by Fisheries Department.

• ` 1.94 lakh for beneficiaries residing in the forest fringe areas of Sunderbans (to be implemented by Forest Department), and, for beneficiaries residing in other non-forest Coastal areas to be implemented by Sundarban Affairs Department & Fisheries Department.

• ̀ 2.51 lakh for beneficiaries residing within the forest fringe areas and forest villages in hill areas of Darjeeling district to be implemented by Forest Department.

• ` 3 lakh within the forest villages of Jalpaiguri district to be implemented by Forest Department.

The cost of such DU for new construction in Non-Municipal Semi- Urban areas are as follows:

• ̀ 1.67 lakh for single–storied building on beneficiary’s land

• ` 3.30 lakh for multi-storied building on the own land of implementing Government agencies or on Government land.

Under this scheme till 2014-15, 42,535 units have been sanctioned and a sum of ` 300 crore has been released.

Housing Schemes under Backward Region Grant Fund (BRGF): Construction of 34,758 houses has been proposed under Special Grant from BRGF in 11 backward districts of the state (Purulia, Paschim Medinipur, Purba Medinipur, Bankura, Jalpaiguri, Birbhum, South 24-parganas, Malda, Mursidabad, North Dinajpur and South Dinajpur) including Left Wing Extremist areas. The proposal has been sanctioned by the Planning Commission of India. The Central Government has approved an amount of ` 117 crore from Central Fund for the project and already allotted ̀ 40 crore in the 1st phase. The total project cost is ̀ 160 crore. The area of these DUs will be 20 sq. m. The unit cost will be ̀ 48,500 for Hill, Coastal area and Jungal Mahal area. Unit cost for other areas will be ` 45,000. Families enlisted under BPL category will be eligible for the above scheme.

28Progress under PMAY-U in the State as of December 31, 2016




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• The Central Assistance involved in completing the 1,22,731 houses has been estimated at ` 1,849 crore. Out of this, Central assistance of `461 crore, has been released to the State against approved projects.


Box 2.6: Chhattisgarh

The State Government of Chattisgarh adopted a vision to enable social housing for EWS, LIG and MIG category of people. In its implementation, the State Government launched a project on the field only after sufficient bookings were received. The designs of units were properly reviewed, studied and revised and better designs were adopted. The Government provided land on concessional rates for social housing projects of Chhattisgarh Housing board. The schemes implemented in the state are as below:

Atal Awas Yojana: This is a State-sponsored scheme for EWS category. Under this scheme a household with an annual income of less than ` 60,000 at Block Headquarters would be eligible. The houses would be independent houses on a plot of 560 sq.ft. with a built up area of 280 sq.ft. Cost of the DU would be ` 1.10 lakh. Under the scheme 19,000 DUs have been either fully completed or under construction.

Deendayal Awas Yojana: This is a State-sponsored scheme for LIG category. Under this scheme a household with an annual income of less than ` 1,20,000 at District Headquar-ters would be eligible. The houses would be independent houses or in buildings with Ground plus two structures. The carpet area of the units would be in the range of 455 to 487 sq.ft. Cost of the DU would be ` 2.25 lakh. Under the scheme 14,700 DUs have been either fully completed or under construction.

Kushabhau Thakre Awas Yojana: This is a Chhattisgarh Housing Board sponsored scheme for MIG category. Under this scheme a household with an annual income of less than ` 2,00,000 at District Headquarters would be eligible. The houses would be duplex units. The carpet area of the units would be 600 sq.ft. Cost of the DU would be ` 4.50 lakh to ` 6.00 lakh. Under the scheme 700 DUs have been either fully completed or under construction.

Atal Vihar Awas Yojana: This is a State sponsored scheme for mixed housing. The objective of this scheme is to create housing stock in Block Head Quarters. Under this scheme subsidy of ` 80,000 for EWS and ̀ 40,000 for LIG per DU is being made available. The land is allotted by the Government at ̀ 1 per sq.ft.




• The Central Assistance involved in completing the 29,268 houses has been estimated at


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437 crore. Out of this, Central assistance of 162 crore, has been released to the State against approved projects.

• Out of the 29,268 houses, 3,129 houses have been grounded for construction and 834 houses have been completed.

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Box 2.7: Karnataka

The Karnataka State Government intervenes in the State to provide housing for socially and economically weaker sections of the society through Rajiv Gandhi Rural Housing Corporation Limited (RGRHCL). This is a Special Purpose Vehicle (SPV) which helps in reaching the schemes conceived by the State Government to the beneficiaries. The primary objectives of RGRHCL are:

• To Provide affordable housing for EWS throughout the State.

• Partnership with Gram Panchayats and NGOs.

• Provide choice to people in housing design, materials and technologies through self-help.

• Promote Cost-effective building technologies especially in Rural areas through strengthening of “Nirmithi Kendras” and establishing new Kendras.

• Raise resources and ensure recirculation of the funds.

• Promote sustainable housing program through encouraging beneficiaries to save for housing and repay housing loans.

• Transparency and Efficiency in Management.

The company selects only women as beneficiaries. The Company promotes Self-Help housing and supports the initiative of the beneficiaries. It encourages savings linked and beneficiary friendly recovery mechanism for the funds lent. There is extensive use of Information Technology to monitor the activities under its various schemes. The consolidated effort through schemes of RGRHCL has resulted in following benefits:

• Under various schemes 28 lakh houses have been constructed for EWS.

• Good practices such as selection of right beneficiaries, quick approval of beneficiaries, commencement of house construction within a month, and avoidance of duplications of beneficiaries through capturing Adhaar number, have been implemented.

• There is transparency in implementation of housing schemes by keeping the beneficia-ries informed at each stage through bulk SMS messages.

• There is quick, effective and proper implementation of housing schemes by delivering the services at the door step of citizens/beneficiaries.

• The company due to its various initiatives has been able to completely eradicate third party intervention.



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• The Central Assistance involved in completing the 1,14,455 houses has been estimated at ̀ 2,009 crore. Out of this, Central assistance of ̀ 587 crore, has been released to the State against approved projects.


The State Government has a vision for housing that incorporates the following:

• Madhya Pradesh (MP) Vision Document – 2018, targets creation of 5 Lakh Affordable Housing units in urban areas in MP.

• Creation of 2.5 lakh units using private sector under PPP.

• Creation of 1.5 lakhs units under Centrally Sponsored Scheme.

• Creation of 1 lakh units under State Sponsored Schemes.

The State Government has announced various programmes for its people as below:

• Atal Ashraya Yojana: This programme is targeted at EWS and LIG categories. Under this scheme the Government land is made available at very nominal rate for the projects.

• PPP scheme for In-Situ Redevelopment of Slums – 2012: The State Government proposes to use the PPP model to create units for EWS and LIG categories at slum locations.

• PPP scheme for Greenfield Affordable Housing Projects – 2014: Under this scheme the Government provides land in lieu of constructed and completed EWS and LIG units.

• Draft Affordable Housing Policy - 2015: This is a principal policy of the State Government through which the State Government proposes to align its initiatives for housing with the overall Government of India vision under the “Housing for All by 2022” programme.

• Draft Rules for Land Pooling - 2015: In these set of rules, the State Government has structured a techno-legal framework for undertaking land pooling for housing and infrastructure projects.




Box 2.8: Madhya Pradesh


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• The Central Assistance involved in completing the 1,08,729 houses has been estimated at ` 1,729 crore. Out of this, Central assistance of ̀ 527 crore, has been released to the State against approved projects.


Box 2.9: Uttar Pradesh

2.3 Financial Reforms

The State Government has announced through its circular dated August 9, 2016 that all its housing programmes will get aligned to the PMAY scheme of the Government of India. The EWS and LIG categories of people would be given assistance under this programme. Government of India would provide financial assistance upto 60 per cent of the funds required, while the balance is required to be arranged by the State Government. The State Government has advised that for projects in Municipal Corporation / Municipality areas, State Urban Development Authority (SUDA) should work as the nodal agency and coordinate fulfilment of requirements with various government departments and committees. For other areas, “Awaas Bandhu” should do the coordination. Awaas Bandhu is an apex institution under the Housing and Urban Planning Department to oversee the performance of housing sector and coordinate the activities of subordinate department/agencies viz. Town & Country Planning Department, Development Authorities and U.P. Housing & Development Board.





• Out of the 19,695 houses, 787 houses have been grounded for construction and 2,934 houses have been completed.

The country has seen several changes from a perspective of financial reforms, which have had an impact on housing and housing finance, either directly or indirectly. Some of these are driven by the announcements made in the Union Budget, while others are driven by the actions announced by the Reserve Bank of India.

2.3.1 Union Budget 2016

In the Union Budget for 2016, the Finance Minister had proposed several changes for housing and housing finance. These are listed below:


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The tax deduction available for interest payment on a housing loan was increased from ` 2,00,000 to ` 2,50,000, to encourage first time home buyers. This additional tax relief would be available for those who buy a house that costs within ` 50 Lakh and avails a loan not exceeding ̀ 35 lakh.

Real Estate Investment Trusts (REIT) have been made functional, with the objective of getting investments into the real estate sector. The REITs are structured to channelize smaller investments into real estate through higher retail volumes and thereby get big funds for real estate. Investments in REIT, while giving similar benefits as investments in physical real estate, also provide safety, liquidity and a more regulated nature of usage of funds. REITs are exempt from paying the Dividend Distribution Tax (DDT) of 17 per cent, when they give dividends to investors. This is a major step and will help developers and fund managers to raise funds.

Developers who build affordable housing units under the State and Central housing scheme, are eligible for a 100 per cent tax exemption on profits. The sizes of the apartments should not exceed 30 sq.m. in the four major metro cities and 60 sq.m. in other cities. The flats are to be approved in the period June 2016 to March 2019 and completed within three years of approval.

To promote rental housing an amendment was made in Section 80 GG, where the limit for the deduction in respect of expenses incurred by individual not receiving House Rent Allowance, including self-employed, increased from ̀ 24,000 per annum to ̀ 60,000 per annum.

Exemption of Service Tax on construction of affordable houses up to 60 sq.m. under any scheme of the Central or State Government including PPP Schemes.

Hitherto a deduction of upto ` 2,00,000 was available to tax payers on self-occupied property, when they complete the construction or acquisition of the property within three years from the end of the tax year, when they borrowed the funds. This gestation period has been increased to five years.

Building of an integrated Land Information Management system under the National Land Record Modernization Programme, a Central Sector Scheme under the Digital India Initiative effective from April 1, 2016.

2.3.2 Reserve Bank of India Policies

Priority Sector Lending

The Reserve Bank of India (RBI), in its Circular on “Master Direction – Priority Sector Lending-Targets and Classifications” dated July 7, 2016, has prescribed various measures to boost housing and housing finance in the priority sector segment. Norms given as below would be used to classify exposures by banks as funds deployed for priority sector and help banks meet their priority sector targets.

Loans to individuals upto ̀ 28 lakh in metropolitan centres (cities with population of 10

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lakhs and above) and 20 lakh in other centres. The overall cost of the unit in metropolitan centres and other centres should not exceed ` 35 lakh and ` 25 lakh respectively.

Loans for repairs to damaged DUs of families upto ̀ 5 lakh in metropolitan centres and upto ̀ 2 lakh in other centres.

Loans given by banks to any governmental agency for construction of DUs or for slum clearance and rehabilitation of slum dwellers subject to a ceiling of ̀ 10 lakh per DU.

Loans for housing projects exclusively for the purpose of construction of houses for EWS and LIG groups subject to total cost of unit not exceeding ̀ 10 lakh per unit.

Loans to HFCs for onward lending to retail customers for purchase / construction / reconstruction of individual DUs or for slum clearance and rehabilitation of slum dwellers, subject to a limit of ̀ 10 lakh per borrower.

Priority sector loans to HFCs to be restricted to 5 per cent of individual bank’s total priority sector advances.

Deposits with NHB.

Inclusion of housing as an important component under priority sector lending is directly contributing to the development of housing and housing finance.

Alongside the Financial Reforms, the Government of India has over the years initiated several Legal Reforms to support the agenda of housing and housing finance in India. Legal Reforms are primarily required in the area of unlocking land, regulations in construction and process of giving statutory approvals. This section reviews some of the Legal Reform actions taken by the Government.

2.4.1 Real Estate (Regulation and Development) Act, 2016

The promulgation of the Real Estate (Regulation and Development) Act, 2016, has been one of the most powerful initiatives towards reforming the legal ecosystem governing the real estate sector. Given the importance of this Act and its impact on the entire real estate ecosystem, it has been covered as a separate section in 2.5.

2.4.2 Right to Fair Compensation and Transparency in Land Acquisition Rehabilitation and Resettlement (Amendment) Ordinance, 2015 (LAAR)

This Ordinance was an amendment to the 2013 Act of the same name and it regulates acquisition of land for public purposes. Projects for affordable housing are exempt from certain provisions of this Ordinance. The following provisions would not apply to affordable housing projects:

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2.4 Legal Reforms

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33 Real Estate (Regulation and Development) Act, 2016 – Frequently Asked Questions (FAQ), MHUPA, 2016

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• Obtaining the consent of 80 per cent of land owners when land is acquired for a private project and the consent of 70 per cent of land owners when land is acquired for the public-private partnership project;

Conducting a Social Impact Assessment; and

Limits on acquiring agricultural and multi-cropped land. 2.4.3 Digital India Land Records Modernisation Programme (DILRMP) and E-Stamps / E-

Registrations

This programme was conceptualised in 2008-09 by the Ministry of Rural Development to modernize management of land records, minimize scope of land / property disputes, enhance transparency in land records maintenance system and facilitate moving eventually towards guaranteed conclusive titles to immovable properties in the country. The major components of the programme are computerisation of all land records including mutations, digitalisation of maps and integration of textual and spatial data, survey / re-survey and updating of all survey and settlement records including creation of original cadastral records wherever necessary. Another important component was computerisation of registration and its integration with land records maintenance system.

Linked to this is the initiative on abolition of physical stamp-papers, electronic payment of stamp duty and registration fees. E-stamping solutions have been implemented in a number of States such as Delhi, Haryana, Gujarat, Karnataka, Tamil Nadu, Maharashtra, Himachal Pradesh, Andhra Pradesh, Assam and others.

2.4.4 Land Pooling Schemes for Urban areas

Various states, including Delhi, Punjab and Haryana have come up with different Land Pooling Schemes. These schemes directly impact development of housing in urban areas. The land pooling policy proposed by Delhi Development Authority (DDA) for Delhi is based on the concept wherein the land parcels owned by individuals or group of owners would be legally consolidated by transfer of ownership rights to the designated land pooling agency which would later transfer the ownership of the part of land back to the land owners for undertaking development of such areas, thus giving land owners an option to become partners in the development process.

2.5.1 The growing demand for space over the years made the role of real estate sector, immensely significant as they play a crucial role in the overall development of India’s core infrastructure. During the past several years, there have been several instance of delays in project completion and delivery by the developers. The customer complaints about developers violating agreed terms, have been on the rise, indicating high levels of dissatisfaction. Various instances of frauds by real estate developers in terms of mis-allocation of funds, violation of legal statutes also got highlighted in the public domain. Thus rose the need for a formal regulation for real estate sector which was just not preventive, but curative in nature. In this backdrop, The Real Estate

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332.5 The Real Estate (Regulation and Development) Act, 2016 and Impact Areas


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(Regulation and Development) Act, 2016 was promulgated in March 2016. The objectives that the Act intends to achieve are as below:

Ensure accountability of builders towards buyers and protect interest of buyers.

Bring in transparency, fair-play, reduce frauds and delays in construction.

Introduce professionalism and standardisation in real estate across the country.

Establish symmetry of information between the builders and buyers.

Impose responsibilities on both builders and buyers.

Establish a regulatory mechanism for enforcement of contracts.

Establish a fast- track dispute resolution mechanism.

Promote good governance in the real estate sector which in turn would create investor confidence.

2.5.2 MHUPA notified specific Sections of the Act for implementation with effect from May 1, 2016, so as to facilitate making of rules and establishment of regulatory authorities and appellate tribunals. All the State Governments are required to frame Rules under this Act and establish the Real Estate Regulatory Authority and Appellate Tribunal, to regulate and develop the real estate sector, for their respective States.

2.5.3 The Some of the salient features of the Act are as below:

The Act covers both residential and commercial projects.

All ongoing / incomplete and future projects are covered under the ambit of the Act. The Act states that promoters of “all ongoing projects which have not received completion certificate will need to register their project with the Regulator Authority, within 3 months of its commencement”.

The Act specifies that the Term “advertisement” would include any medium adopted for sale such as solicitation of sale through prospectus, emails and SMS and any other means. The promoter is responsible for all disclosures made through advertisements and any loss sustained by the buyer due to false information should be made good by the promoter.

The term ‘promoter’ under the Act includes both private and public real estate promoters. Thus, all developers including private builders, Development Authorities and the Housing Boards, when involved in development and sale of projects are covered under the Act.

The Act provides that, in case of default of the terms of agreement between the “Promoter” and “Allottee”, the rate of interest payable by either of them shall be the same.

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The promoter can modify sanctioned plans or project specifications only with approval of the competent authorities and disclosure to allottees.

The promoter can start advertising the project only after the project has been registered with the regulatory authority, completing all the necessary formalities related to that, payment of appropriate fees and submission of all supporting documents as necessary.

The promoter is required to maintain a separate account for each project and is required to deposit 75% of all the money received from the allottees in this account for the purposes of construction and land cost. This is not an “escrow” account and the promoter can withdraw funds from the account in proportion to the percentage completion of the project.

2.5.4 Various State Governments have initiated work under the Act. Some of the actions taken so far are:

Government of Uttar Pradesh, Government of Gujarat and Government of Madhya Pradesh have notified the sub-ordinate Rules under the Real Estate (Regulation and Development) Act, 2016.

Government of Maharashtra and Government of Karnataka have drafted the sub-ordinate Rules under the Act and have invited comments/suggestions from stakeholders.

UT of Puducherry has published the draft Rules in October, 2016 inviting comments/suggestions from public and stakeholders.

In the UT of Chandigarh Secretary (Housing), Chandigarh Administration has been notified as Interim Regulator. VAT Tribunal of UT of Chandigarh is notified as the interim Appellate Tribunal.

UT of Dadra and Nagar Haveli, given its small administration, has been tagged along with the Real Estate Regulatory Authority and Appellate Tribunal of Maharashtra State.

UT of Andaman & Nicobar Islands has proposed the Principal Secretary (UD), Andaman & Nicobar Administration as interim Regulatory Authority and interim Appellate Tribunal.


Chapter Lending Institutions

3.1 Primary Lending Institutions in Housing Finance

3: Housing Finance Business by Primary

3.1.1 Primary Lending Institutions (PLIs) that include Housing Finance Companies and Scheduled Commercial Banks, have over the years, established their approach to lending for housing finance. In the evolution of housing finance over the last three decades, the PLIs have engaged actively in the market and thereby contributed immensely to the growth of housing credit. While for HFCs, housing finance is their primary business activity, a large number of Scheduled Commercial Banks have also focussed on housing finance by creating separate housing finance verticals and leveraging their extensive branch network. Given the diversity in the market and the complex nature of issues, it took some time for the market to evolve. As of today, housing finance has evolved to be a successful business model for many companies and has emerged as a key aspect of the housing ecosystem.

3.1.2 NHB was set up in 1988 to be the apex institution for regulating and controlling housing finance companies in the country. The preamble of NHB reads as “to operate as a principal agency to promote housing finance institutions both at local and regional levels and to provide financial and other support to such institutions and for matters connected therewith or incidental thereto.” Over the years, through its innovative measures, active guidance and appropriate regulatory interventions, NHB has significantly facilitated broadening and deepening of the housing finance market in the country. NHB has facilitated registration of 82 specialised housing finance institutions. NHB’s active engagement in this sector has given shape to a new finance eco-system in India in which housing finance has come to be looked at as an important retail lending product for all major PLIs.

3.1.3 The Scheduled Commercial Banks have always been offering housing loans to their customers, but it was not until the late 1990s and early 2000s, when they forayed into this industry in a concerted manner. The market gathered steam as the number of entities offering housing finance grew fast. This helped in deepening the existing markets and expansion into newer markets, particularly the tier 2 and 3 cities of the country. In that period of late 1990s and early 2000s, the country also witnessed good economic growth that fuelled the growth of the housing industry and in-turn the housing finance sector. This growth of economy and within that the

The National Housing Bank, under its promotional and regulatory roles, has developed the

market oriented housing finance system over the years, through its inputs on policy and

regulatory framework. Primary Lending Institutions (Housing Finance Companies, Scheduled

Commercial Banks, co-operative institutions) have engaged actively in the market and have

thereby contributed immensely to the growth of housing credit. As of March, 2016, the housing

loan book created in the country by all PLIs put together was ` 10,63,000 crore. Based on past

trends, the housing finance market in the country is expected to grow annually at an average of

over 15 per cent, in the next five years. The Housing Finance Companies have steadily growing

their share in the housing finance market.

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Chapter 3 : Housing Finance Business by Primary Lending Institutions jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

growth of housing stock through private builders becoming active in urban centres, led to overall growth of the housing finance industry in the country. Over the years, supported by the policies of the Government of India and regulatory supervision, guidance and interventions by the Reserve Bank of India and National Housing Bank, the housing loan portfolio of both the SCBs and the HFCs has grown significantly. The RBI’s monetary policy measures in terms of reserve requirements, credit growth limits, liquidity requirements, and policy rates, among others have had a direct impact on housing finance credit. RBI has prescribed prudential norms for housing finance and so has NHB along similar lines. These norms cover asset classification, provisioning, risk weights, capital adequacy requirements and loan to value ratios. These have helped in ensuring that the housing finance portfolio that is being built is healthy and resilient to systemic risks which may arise in the economy due to any global and / or local disruptions.

3.1.4 In this backdrop of over twenty five years of active regulation by RBI and NHB and a fairly stable economic growth witnessed by the country, the institutional finance mechanism consisting of Banks, HFCs and Cooperative institutions expanded considerably. The growth of the housing loans portfolio created by Banks and HFCs over the years is depicted in the Graph 3.1 below. The Graph also shows the growing contribution of outstanding housing loans to GDP.

Graph 3.1: Housing Loans Outstandings of Banks and HFCs

Source: RBI and NHB

The outstanding housing loans as a percentage of the GDP have increased from 1.8 per cent in 1996–97 to 9.3 per cent in 2015–16. The outstanding housing loans have grown from less than ` 3,00,000 crore in 1996-97 to more than ̀ 12,00,000 in 2015-16.

3.1.5 In the early stages of the development of the housing market, the HFCs had a much larger share of the overall market, with the SCBs playing a smaller role. This was also an important factor in the slow growth of the market, owing to the limited network and reach which the HFCs had at that time. With the increased participation of the SCBs from 2003–04 onwards, the housing finance market started to grow at a much faster pace, with the SCBs occupying a major market share for the next few years. However, gradually, the HFCs also increased their disbursement,

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O/s Hsg. Loans of Banks & HFCs to GDP (%)


leading to redistribution in the market share. The distribution of the housing finance market between the SCBs and the HFCs over the past two decades is shown in Graph 3.2 below.

Graph 3.2: Housing Loans Market Share between Banks and HFCs

Source: RBI and NHB

3.1.6 The total share of the outstanding housing credit of the SCBs and the HFCs as a percentage of the total outstanding non-food credit has grown steadily over the past few years to 17.4 per cent in 2015–16. Graph 3.3 shows the growth of the outstanding housing credit among total non-food credit.

Graph 3.3: Housing Portfolio of SCBs & HFCs to Total Non-food Portfolio

Source: RBI and NHB

3.1.7 Banks and HFCs have seen a steady growth of the portfolio in the last two decades. The year-on-year housing loan portfolio of banks and HFCs, has been captured in Graph 3.4 below.

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Chapter 3 : Housing Finance Business by Primary Lending Institutions

Graph 3.4: Trends in Outstanding Housing Loans of Banks and HFCs ( in lakh crore)

Source: RBI and NHB

3.1.8 Banks and HFCs are the significant players in the industry. Co-operative Institutions, Non-

Banking Finance Companies (NBFCs) and Micro Finance Institutions (MFIs) are other players

operating in the market. The sector has always been encouraged by the regulators and policy-

makers to adopt market-based solutions with due regard to affordability and stability. This,

coupled with a robust, forward looking and responsive regulatory regime, has ensured that

the system remains stable and well integrated into the overall financial market. The legal and

fiscal reforms of the Central and State Governments, and the RBI have made the environment

more conducive to the promotion of affordable and low-income housing. This has also helped

in the integration of the housing sector with the overall macro economy with enhanced

confidence and has aided more investment flow for affordable housing from a wider group of

investors. The operationalisation of several new HFCs in the recent years, with particular focus

on affordable housing, is testimony to the fact that the industry is geared to respond to the

challenge of funding customer segments looking for affordable housing. Retail housing finance

is now available from a diverse set of institutions at competitive terms. The sector is also

equipped with an attendant ecosystem in the form of Central Registry of Securitisation Asset

Reconstruction and Security Interest of India (CERSAI), mortgage guarantee products,

widespread use of insurance cover for availing housing loans, which helps portfolio quality. The

Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act,

2002 (also known as the SARFAESI Act) provides suitable legal infrastructure to the lending

institutions for ensuring recovery of loans from defaulting customers.

3.1.9 Based on past trends, the housing finance market in the country is expected to grow annually

at an average of over 15 per cent, in the next five years. The growth of the housing finance

industry over the coming years is a function of growth in both the supply side and the demand

side. Banks and HFCs have been playing a key role in not just the demand side, but also the

supply side. The demand side is addressed by offering retail loans to individuals in the low,

middle and high-income households. The supply side is addressed by offering construction

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finance to developers. Developers who build residential projects are often in need of funds to

complete their projects. Several banks and HFCs offer construction finance to developers to

complete their projects, which helps developers complete their projects and make the units

available for sale.

3.2.1 In the case of PSBs, the credit for housing loans increased significantly in 2015–16. The individual

housing loan data from the PSBs on a yearly basis in five different slabs—up to ` 2 lakh, above

` 2 lakh to ` 5 lakh, above ` 5 lakh to ` 10 lakh, above ` 10 lakh to ` 25 lakh and above ` 25

lakh—is shown in Table 3.1. The total individual outstanding housing loans of the PSBs stood at

` 520,722 crore as on March 31, 2016 and at ` 565,241 crore as on December 31, 2016. The

individual housing loans disbursement during 2015–16 by the PSBs was ` 129,727 crore. This

marks a 15 per cent increase in disbursement and a 19 per cent increase in the total outstanding

over the last financial year. Most of the growth was witnessed in the slabs of above ` 10 lakh to

` 25 lakh and above ̀ 25 lakh.

Table 3.1: Performance of PSBs on Individual Housing Loans ( crore)

Source: Based on compilation of data submitted by Public Sector Banks

Graph 3.5 reveals that Maharashtra tops among all States and UTs with respect to more housing finance

penetration in all slabs. In the housing loan slab penetration (up to 10 lakh slab), Maharashtra is followed

by Karnataka, Tamil Nadu and Uttar Pradesh.

3.2 Performance of Public Sector Banks (PSBs) on Individuals Housing Loans

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Up to 2 lakh 1,424 5,864 11.6 1,365 -4.0 5,854 -0.2 12.0

> 2 lakh to 5 lakh 3,807 31,041 3.0 3,581 -6.0 28,229 -9.0 3.4

> 5 lakh to 10 lakh 12,557 78,787 1.5 12,866 +2.0 81,875 +4.0 1.8

> 10 lakh to 25 lakh 40,939 171,954 1.0 49,341 +21.0 202,138 +18.0 1.2

> 25 lakh 53,636 153,315 0.7 62,574 +17.0 202,626 +32.0 1.2

Total 112,364 440,960 1.1 129,727 +15.0 520,722 +19.0 1.5

Housing Loan Slabs(`)

GrowthYoY( per cent)

2014-15 2015-16

Disburse-ments

Outstan-dings

NPA (%) Disburse-ments

Outstan-dings



GrowthYoY( per cent)

NPA (%)

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Graph 3.5: Outstanding Individual Housing Loans of Top PSBs as on March 31, 2016 (Slab-wise)

White (Low), Yellow (Medium), Green (High)

Upto 10 lakh`

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Graph 3.6 - Slab Wise Outstanding Individual Housing Loan Data of PSBs


3.3 Housing Finance Companies and their Business

As on March 31, 2016, there were 71 HFCs that had been given CoR as seen in the Graph 3.7 below.

Graph 3.7: Classification of Registered Housing Finance Companies

The number of HFCs increased to 82 by December 31, 2016. Of these, 64 HFCs had the CoR without permission to accept public deposits.

Classification of Registered Housing Finance Companies

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Public Limited Companies Private Limited Companies

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• Housing loans to total loans & advances marginally decreased from 75.29 per cent as on March 31, 2015 to 75.26 per cent as on March 31, 2016 while non-housing loans to total loans & advances slightly increased from 24.71 per cent as on March 31, 2015 to 24.74 per cent as on March 31, 2016.

• GNPAs as on March 31, 2016, which were ̀ 7,452 crore increased by about 23 per cent over the previous year (` 6,070 crore as on March 31, 2015). GNPAs as on December 31, 2016 further grew to ` 9,553 crore. However, in percentage terms, GNPA to total loans & advances marginally increased to 1.09 per cent as on March 31, 2016 from 1.08 per cent as on March 31, 2015.

• NNPAs as on March 31, 2016, which were ̀ 3,537 crore increased by about 34 per cent over previous year (` 2,638 crore as on March 31, 2015). NNPAs as on December 31, 2016 further grew to ` 4,912 crore. However, in percentage term, NNPA to total loans & advances marginally increased to 0.52 per cent as on March 31, 2016 from 0.47 per cent as on March 31, 2015.

• Total Net Owned Funds of HFCs increased by 20.84 per cent, from ` 61,790 crore as on March 31, 2015 to ̀ 74,665 crore as on March 31, 2016.

• Outstanding Borrowings of HFCs (including Public Deposits) increased by 21.36 per cent from ` 5,09,016 crore as on March 31, 2015 to ` 6,17,761 crore as on March 31, 2016. Outstanding Borrowings of HFCs (including Public Deposits) further increased to ` 7,13,823 crore as on December 31, 2016.

• Outstanding Public Deposits which were ̀ 74,222 crore as on March 31, 2016 increased by 16.55 per cent from ` 63,681 crore as on March 31, 2015. Outstanding Public Deposits further increased to ̀ 83,456 crore as on December 31, 2016.

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NA - Not Available

Table 3.2: Key Financial Indicators of HFCs ( crore)

As on March 31, 2016, there were five HFCs sponsored by the SCBs and one by a Multi-State Co-operative Bank:

Can Fin Homes Limited, sponsored by Canara Bank•

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Particulars 31-03-2014 31-03-2015 Growth (%) 31-03-2016 Growth (%) 31-12-2016

Paid up Capital 6,014 6,629 10.23 7,904 19.23 NA

Free Reserves 55,179 62,994 14.16 74,673 18.54

Net Owned Funds 51,785 61,790 19.32 74,665 20.84

Public Deposits 51,981 63,681 22.51 74,222 16.55 83,456

O/s Housing Loans 347,858 423,346 21.70 512,589 21.08 5,75,728

O/s Total Loans 463,942 562,315 21.20 681,118 21.13 7,66,009

GNPAs to O/s 1.18 1.08 0.10 1.09 0.01 1.24Total Loans (%)

NNPAs to O/s 0.56 0.47 0.09 0.52 0.05 0.64Total Loans (%)

NA

NA



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Cent Bank Home Finance Limited, sponsored by Central Bank of India

ICICI Home Finance Co. Limited, sponsored by ICICI Bank Limited

Ind Bank Housing Limited, sponsored by Indian Bank

PNB Housing Finance Limited, sponsored by Punjab National Bank

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Repco Home Finance Limited, sponsored by REPCO Bank (a Multi-State Co-operative Bank)

As on March 31, 2015 and March 31, 2016, there were 18 HFCs that had been provided the CoR with the permission to accept public deposits. Of the 18 HFCs, six are required to obtain written permission from the NHB before accepting any public deposits. The key financial parameters of the HFCs for the past three years, segregated on the basis of classification into public deposit accepting and non-public deposit accepting HFCs, are shown in Table 3.3.

Table 3.3: Key Financial Parameters of HFCs based on Deposit Acceptance Status of HFCs ( ` crore)

NA - Not Available

3.3.3 Resource Profile of HFCs

The paid-up capital of the HFCs (including the preference share capital, which is compulsorily convertible into equity) increased from ` 6,629 crore as on March 31, 2015, to ` 7,904 crore as on

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O/s Housing Loans

4,138 1,876 6,014 4,240 2,389 6,629 4,577 3,327 7,904 NA

48,239 6,940 55,179 54,358 8,636 62,994 60,894 13,779 74,673

43,772 8,013 51,785 51,091 10,699 61,790 57,916 16,749 74,665

51,981 -- 51,981 63,681 -- 63,681 74,222 -- 74,222 83,456 -- 83,456

311,111 36,747 347,858 370,191 53,155 423,346 432,666 80,323 512,589 472,507 103,221 575,728

NA NA

NA NA NA

NA NA NA


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March 31, 2016, that is, a growth of 19.23 per cent per annum. However, there was an increase of 20.84 per cent per annum in the NOF of the HFCs, that is, from ̀ 61,790 crore as on March 31, 2015, to ̀ 74,665 crore as on March 31, 2016.

3.3.3.1 The HFCs primarily depend on loans and debentures from banks and financial institutions, besides their own funds. Borrowings through bonds and debentures, ICDs, commercial papers, subordinate debts and public deposits are other sources of funds for them. The outstanding borrowings of the HFCs, excluding public deposits, were increased by 22 per cent, that is, from ` 445,335 crore as on March 31, 2015, to ̀ 543,538 crore as on March 31, 2016. Borrowings from the banking system stood at ` 166,744 crore as on March 31, 2016, as against ` 136,746 crore as on March 31, 2015. Other borrowings were increased from ` 308,589 crore as on March 31, 2015 to ` 376,794 crore as on March 31, 2016, thereby registering a growth of 22 per cent. The total outstanding public deposits with the HFCs registered an increase of 17 per cent, that is, from ` 63,681 crore as on March 31, 2015 to ̀ 74,222 crore as on March 31, 2016.

3.3.3.2 The total NOF of the HFCs as on March 31, 2015, was ̀ 61,790 crore, which increased to ̀ 74,665 crore as on March 31, 2016, thereby registering a growth of 20.84 per cent from the preceding year. Public deposits of the HFCs grew by 16.55 per cent, that is, from ` 63,681 crore as on March 31, 2015 to ` 74,222 crore as on March 31, 2016. Trend analysis on outstanding resources data of the HFCs revealed that the HFCs raised about 39 per cent of their resources from banks through borrowings and subscription to debentures; the debentures subscribed by others constituted around 28 per cent of the total resources. The NHB’s refinance support constituted around 4 per cent of the HFCs’ outstanding resources, but it played a crucial role in containing the cost of the borrowings. Graph 3.9 depicts the trend in the HFCs’ outstanding resources in the preceding three years.

Graph 3.9: Trend of Outstanding Resources of HFCs in the last three years



Table 3.4: Composition of Borrowings of HFCs ( in crore)

3.3.4 Public Deposits with HFCs

3.3.4.1 Size -wise Public Deposits of HFCs: Outstanding public deposits with the HFCs showed an increasing trend during 2015–16. As on March 31, 2016, public deposits of over ` 100,000 accounted for the maximum number of deposits, with a share of 89.32 per cent of the total public deposits. The trend in size-wise outstanding public deposits at the end of the last three years is shown in Graph 3.10. Major HFCs—Housing Development Finance Corporation Limited, Housing & Urban Development Corporation Limited, Dewan Housing Finance Corporation Limited, PNB Housing Finance Limited, GRUH Finance Limited, Sundaram BNP Paribas Home Finance Limited, LIC Housing Finance Limited, among others, mobilised a significant amount of the public deposits during 2015–16.

Graph 3.10: Size-wise Trend of Public Deposits of HFCs in the preceding three years

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` 5,001 to ` 10,000

` 25,001 to ` 50,000

Over ` 100,000

Upto ` 5000

` 10,001 to ` 25,000

` 50,001 to ` 100,000

70000

60000

50000

40000

30000

20000

10000

0

31-03-2014 31-03-2015 31-03-2016

130

Particulars 2013-14 2014-15 Growth (%) 2015-16 Growth

National Housing Bank 19,376 23,027 19 26,440 15

Foreign Government, Foreign Authority 3,314 5,261 59 9,398 79 and Foreign Citizen or Person

Banks 128,407 136,746 6 166,744 22

Debentures secured by mortgage of 169,015 200,804 19 247,863 23immovable properties or convertible debentures

Debentures subscribed by banks 40,795 62,941 54 73,258 16

Debentures subscribed by others 128,220 137,863 8 174,606 27

Others 49,466 79,497 61 93,093 17

Public Deposits 51,981 63,681 23 74,222 17

Total 421,559 509,016 21 617,761 21

(%)


3.3.4.2 Interest rate-wise Public Deposits of HFCs - As on March 31, 2016, 63 per cent of the total public deposits held by the HFCs fall in the rate slab of 9 per cent to 11 per cent per annum. HFCs had 34 per cent of public deposits in the interest rate slab of 6 per cent to 9 per cent per annum, which showed a drastic increase over the previous year. The trend in interest rate-wise classification of outstanding public deposits at the end of last three years is shown in the Graph 3.11.

Graph 3.11 - Interest Rate-wise Trend of Public Deposits of HFCs in the preceding three years

3.3.4.3 Maturity-wise public deposits of the HFCs: An analysis of the maturity-wise classification of public deposits in the last three years indicates that the majority of the public depositors’ preference was for a maturity period of 24 months or more, but less than 48 months. The share of the public deposits in this category has shown an increasing trend during the period 2015–16 over 2014–15. The trend in the maturity-wise classification of outstanding public deposits at the end of the last three years is shown in Graph 3.12.

Graph 3.12 - Maturity-wise Trend of Public Deposits of HFCs in the preceding three years

More than 84 months

84 months

More than 60 months but less than 84months

60 months

48 months or more but less than 60 months



Less than 12 months

Repayable on demand or on notice

80000

70000

60000

50000

40000

30000

20000

10000

0

31-03-2014 31-03-2015 31-03-2016

0

60000

50000

40000

30000

10000

20000

0

31-03-2014 31-03-2015 31-03-2016

Free of interest

Below 6%

6% or more but less than 9%

9% or more but less than 11%

11% or more but less than 12.5%

At 12.5%

More than 12.5% but less than 14%

more than 14%

131



3.3.5 Asset Profile of HFCs

The asset profile of the HFCs mainly comprises housing loans, other loans and investments; the outstanding amount, as on March 31, 2016, was ` 720,555 crore. In 2015–16, housing loans contributed around 71 per cent of the total assets portfolio of the HFCs, with a growth of about 21 per cent in 2015–16 (over 22 per cent in 2014–15). Other loans and advances came next to housing loans in the HFCs’ assets profile, with a share of about 23 per cent. The investments’ share was on a decreasing trend—only about 6 per cent of the total assets of the HFCs in 2015–16. The outstanding position of the major assets derived from the compilation of data submitted by the HFCs is shown in Table 3.5.

Table 3.5: Outstanding Loans & Advances and Investments of HFCs

Graph 3.13 - Trend of Outstanding Loans & Advances and Investments of HFCs in the preceding three years

3.3.6 Housing Loans of HFCs

The outstanding housing loans of the HFCs were ̀ 512,589 crore as on March 31, 2016; they saw a growth of 21.08 per cent, compared to an outstanding of ` 423,346 crore as on March 31, 2015. Other loans and advances outstanding of the HFCs stood at ̀ 168,529 crore as on March 31, 2016, as compared to ̀ 138,970 crore as on March 31, 2015, a growth of 21.27 per cent.

(` in crore)

Housing Loans

Investments

Other Loans and Advances

31-03-2016

31-03-2015

31-03-2014

132

Particulars 2013-14 2014-15 Growth 2015-16 Growth ( %)

Housing Loans 347,858 423,346 21.7 512,589 21.1

Other Loans & Advances 116,084 138,970 19.7 168,529 21.3

Investments 34,228 33,817 (1.2) 39,437 16.6

Total 498,170 596,132 19.7 720,555 20.9

( %)


133

Table 3.6: Comparison of Housing Loans with Total Loans of HFCs ( in crore)

Table 3.7: Slab-wise Individual Housing Loans of HFCs ( in crore)

3.3.7 Maturity pattern of Housing Loans of HFCs

Analysing the trend on the maturity pattern of the HFCs’ housing loans outstanding to individuals, it was observed that around 97 per cent of these loans had a maturity of above seven years. This indicates that the preference of the majority of the individual housing loan customers of the HFCs was for housing loans of a long tenure, rather than a short or medium tenure. The maturity pattern of outstanding housing loans to individuals as at the end of the preceding three years is shown in Graph 3.14.

Graph 3.14: Maturity Pattern-wise Trend of HFCs’ Housing Loans to Individuals

`

`

Particulars 2013-14 2014-15 Growth (%) 2015-16 Growth

Outstanding Housing Loans 347,858 423,346 21.7 512,589 21.08

Outstanding Total Loans 463,942 562,315 21.2 681,118 20.13

Housing Loans to Total Loans 75.0 % 75.29 % 0.3 75.26 % 0.6

(%)

Housing Loan Slabs(`)

2014-15 2015-16 2016-17 ( Upto Dec 31, 2016)

Disburse-ment

Outstand-ings

NPA (%)

Disburse-ment

Outstand-ings

NPA (%)

Disburse-ment

Outstand-ings

NPA (%)

Up to 2 lakh 869 3,656 4.8 1,434 3,574 6.1 1,263 4,287 10.1

> 2 lakh to 2,257 14,106 1.8 2,870 14,083 1.5 2,261 14,060 2.25 lakh

> 5 lakh to 9,997 43,388 0.5 12,706 47,978 0.4 10,564 51,825 0.610 lakh

> 10 lakh to 45,331 133,367 0.4 53,562 158,090 0.3 41,693 172,499 0.525 lakh

> 25 lakh 63,102 163,026 0.4 89,586 214,049 0.3 71,273 239,118 0.6

Total 121,556 357,543 0.6 160,158 437,775 0.4 127,054 481,788 0.7



3.3.8 Purpose-wise Disbursements of Housing Loans to Individuals

About 70 per cent of the loans disbursed were for the acquisition/construction of new houses; 27 per cent were for purchase of old/existing houses (resale); and the balance 3 per cent for upgradation, including major repairs. This shows that new asset creation was the main activity from the housing loans disbursed by the HFCs. The trends seen in disbursement purpose-wise during the preceding three years is shown in Graph 3.15.

Graph 3.15: Purpose-wise Trend of HFCs’ Housing Loans to Individuals

3.3.9 Borrower Type-wise Disbursements of Housing Loans

The disbursement of housing loans by the HFCs had a growth rate of about 18 per cent in 2015–16 over 2014–15. The borrowers’ type-wise dissection of the disbursement of the loans in 2015–16 further revealed that around 73 per cent of the housing loans were to individuals, 25 per cent to builders and 2 per cent to corporate bodies and others. This indicates that the HFCs’ main service concentration of housing loans was on individuals. The disbursement in the last three years is shown in Graph 3.16.

Graph 3.16: Borrower Type-wise Disbursement Trend of Housing Loans

Upto ` 2 Lakhs

> 2 Lakh and upto 5 Lakh` `

> ` 5 Lakh and upto ` 10 Lakh



> ` 25 Lakh1200000

100000

80000

60000

40000

20000

0

New Houses

Upgradation

Existing Houses

New Houses

UpgradationExisting Houses

Existing Houses

Upgradation

New Houses

31-03-2014 31-03-2015 31-03-2016

Housing loan to individuals

Housing Loan to Builders

Housing loan to Corporate Bodies and Others

31-03-2014

31-03-2015

31-03-2016

134


In 2015-16, HFCs disbursed 1,46,479 crore for 12,38,185 loan accounts for acquisition / construction of new houses, up gradation (including major repairs), and purchase of old / existing houses (resale). The segregated and consolidated details are captured in the Tables 3.8 to 3.11.

Table 3.8: Comparison of Disbursement of Housing Loans by HFCs to Individuals for acquisition / construction of new houses ( in crore)

Table 3.9: Comparison of Disbursement of Housing Loans by HFCs to Individuals, for up gradation (including major repairs) ( in crore)

Table 3.10: Comparison of Disbursement of Housing Loans by HFCs to Individuals, for Acquisition of Old / Existing Houses (Resale) ( in crore)

`

`

`

`

135

Particulars 2013-14 2014-15 Growth 2015-16 Growth

Upto ` 2 lakh 566 826 45.9 1,324 60.3

> ` 2 lakh to ` 5 lakh 1,385 1,386 0.1 1,549 11.8

> ` 5 lakh to ` 10 lakh 7,199 7,088 -1.5 8,166 15.2

> ` 10 lakh to ` 15 lakh 13,240 12,502 -5.6 12,623 1.0

> ` 15 lakh to ` 25 lakh 17,031 21,144 24.2 24,954 18.0

Above ` 25 lakh 37,281 44,384 19.1 53,750 21.1

Total (1) 76,702 87,330 13.9 1,02,366 17.2

( in %) ( in %)


Upto ` 2 lakh 57 49 -14.04 59 20.4

` 2 lakh to ` 5 lakh 490 559 14.08 735 31.5

` 5 lakh to ` 10 lakh 919 1,176 27.97 1,757 49.5

` 10 lakh to ` 15 lakh 467 653 39.83 895 37.1

` 15 lakh to ` 25 lakh 317 501 58.04 696 38.9

Above ` 25 lakh 152 279 83.55 459 69.5

Total (2) 2,402 3,216 33.89 4,601 43.1

( in %) ( in %)

Particulars 2013-14 2014-15 Growth 2012-13 Growth( in %)

Upto ` 2 lakh 28 25 -10.7 23 -8.0

> ` 2 lakh to ` 5 lakh 291 301 3.4 325 8.0

> ` 5 lakh to ` 10 lakh 1,720 1,722 0.1 1,960 13.8

> ` 10 lakh to ` 15 lakh 2,919 3,367 15.4 3,810 13.2

> ` 15 lakh to ` 25 lakh 5,948 7,237 21.7 8,985 24.2

Above ` 25 lakh 14,048 18,466 31.5 24,409 32.2

Total (3) 24,954 31,118 24.7 39,512 27.0

( in %)



Table 3.11: Comparison of Total Disbursement of Housing Loans by HFCs to Individuals ( in crore)

3.3.10 State / UT-wise Disbursement of Housing Loans

The State / UT-wise data on housing loans to Individuals on disbursement and outstanding, and also housing loan disbursement in rural and urban areas, is given in Table 3.12 below.

Table 3.12: State / UT-wise Disbursement of Housing Loans to individuals ( in crore)

`

`

136


Upto ` 2 lakh 651 900 38.3 1,406 56.1

> ` 2 lakh to ` 5 lakh 2,166 2,246 3.7 2,609 16.2

> ` 5 lakh to ` 10 lakh 9,838 9,986 1.5 11,883 19.0

> ` 10 lakh to ` 15 lakh 16,625 16,522 -0.6 17,328 4.9

> ` 15 lakh to ` 25 lakh 23,295 28,882 24.0 34.635 19.9

Above ` 25 lakh 51,481 63,129 22.6 78,618 24.54

Total (4) = (1) + (2) + (3) 104,057 121,665 16.9 146,479 20.4

( in %) ( in %)

State / Union Territory

Disbursement during FY 2015-16 Outstanding as on March 31, 2016

Urban Rural Total

Andhra Pradesh 24,529 3,462 14,447 1,063 38,976 4,524 15,558

Arunachal Pradesh - - - - - - 2

Assam 3,428 351 51 7 3,479 358 1,551

Bihar 2,755 409 1,682 37 4,437 446 1,268

Chhattisgarh 11,735 1,105 1,974 135 13,709 1,240 3,227

Delhi 21,861 6,273 753 101 22,614 6,374 16,223

Goa 902 181 468 73 1,370 254 786

Gujarat 72,579 7,144 41,326 2,734 113,905 9,878 22,432

Haryana 34,560 6,642 5,256 419 39,816 7,060 19,108

Himachal Pradesh 372 34 193 13 565 47 183

Jammu and Kashmir 575 24 1 0 576 24 86

Jharkhand 3,846 508 496 69 4,342 577 1,822

Karnataka 45,485 9,773 46,348 5,036 91,833 14,810 44,006

Kerala 16,352 1,908 27,077 1,837 43,429 3,746 12,194

Madhya Pradesh 44,637 4,242 23,305 963 67,942 5,205 13,595

Maharashtra 221,143 32,803 122,778 8,569 343,921 41,372 117,709

Manipur 104 5 6 0 110 6 62

Meghalaya - - - - - - -

No. Amt No. Amt No. Amt Amt


137

Mizoram 113 5 3 0 116 5 40

Nagaland 1 0 - - 1 0 6

Odisha 7,402 697 2,692 58 10,094 755 2,405

Punjab 14,328 1,715 7,667 615 21,995 2,330 6,538

Rajasthan 53,381 4,839 17,997 1,028 71,378 5,868 15,142

Sikkim 1,183 156 2 0 1,185 156 474

Tamil Nadu 86,933 12,643 41,518 3,055 128,451 15,698 55,201

Telangana 38,810 6,600 8,924 1,252 47,734 7,852 22,068

Tripura 2 0 - - 2 0 1

Uttarakhand 15,949 1,345 2,930 245 18,879 1,590 3,740

Uttar Pradesh 111,134 11,411 6,745 820 117,879 12,231 37,345

West Bengal 22,232 2,977 1,818 213 24,050 3,190 9,692

Sub Total 856,331 117,254 376,457 28,342 1,232,788 145,596 422,461

Union Territory :

Chandigarh 1,940 552 176 24 2,116 576 -

Puducherry 1,807 218 222 18 2,029 236 1,377

Dadra and Nagar 904 54 9 1 913 55 794 Haveli

Daman and Diu 253 16 7 1 260 16 151

Lakshadweep - - - - - - 50

Andaman and - - - - - - - Nicobar Islands

Sub Total 4,904 839 414 44 5,318 883 2,372

Grand Total 861,235 118,093 376,871 28,386 1,238,106 146,479 424,834

3.4 Other players in Housing Finance

3.4.1 The National Co-operative Housing Federation of India is the nationwide organisation of the Indian co-operative housing movement. The basic intent of its formation was to have an organisation at the national level that will assume the responsibility of promoting, developing and coordinating the activities of housing co-operatives in the country. The co-operative housing structure consists of primary housing co-operatives at the grass-roots level and Apex Cooperative Housing Federations (ACHFs). During 2015–16, these federations have so far disbursed ` 12,581 crore to primary housing co-operatives for the construction of DUs for their members. Their outstanding loan portfolio was ̀ 1,629 crore.

Table 3.13 - Trend in Borrowings, Sanctions and Disbursements of Apex Cooperative Housing Federations (Cumulative) for the last 3 years ( in crore)`

Type 2013-14 2014-15 2015-16

Amount Borrowed 10,755 10,888 11,062

Loan Sanctioned 12,574 12,851 13,008

Loan Disbursed 12,128 12,390 12,581



Table 3.14 - Trend in Housing Loan Disbursed and Units constructed by ACHFs (State wise) for the last 3 years ( in crore)

3.4.2 NBFCs and MFIs are the other institutions involved in providing housing loans to individuals, although their penetration is low. The NBFCs’ direct exposure to housing loans was at ` 6,548 crore in 2013-14 as compared to ̀ 5,613 crore in 2012-13, with an annual growth rate of 17 per cent.

`

138

State 2013-14 2015-162014-15

Units Constructed/ Financed

Amount Units Constructed/ Financed

Amount Units Constructed/ Financed

Amount

Andhra Pradesh NA NA 2404 32.3 NA NA

Assam 815 NA - - - -

Bihar - - - - - -

Chandigarh NA NA NA NA NA NA

Delhi NA 67.3 239 52.4 238 5,966.0

Goa 26 2.6 28 2.2 30 432.8

Gujarat - - - - - -

Haryana 840 1.9 NA 6.3 25 180.3

Himachal Pradesh NA 1.2 NA 1.1 NA 112.8

Jammu & Kashmir NA NA NA NA NA NA

Karnataka 139 15.0 NA NA 347 974.4

Kerala 18,940 66.6 1977 84.6 2921 9,878.8

Madhya Pradesh NA NA - - - -

Maharashtra - - - - - -

Manipur NA NA NA NA NA NA

Meghalaya NA NA NA NA NA NA

Odisha - - - - - -

Puducherry 43 3.3 40 1.5 7 277.9

Punjab NA NA 1267 55.0 - -

Rajasthan 4 0.1 16 1.5 6 48.8

Tamil Nadu NA NA 539 24.2 180 920.0

Uttar Pradesh - - - - - -

West Bengal - - NA NA 1,803 300.0

Others - - - - - -

Total 20,807 157.4 6510 261.1 5,557 19,092


Graph 3.17: State-wise distribution of disbursements of housing loans to Individuals during FY 2015-16

Graph 3.18: State-wise distribution of outstanding housing loans to individuals

139

Trend: Chhattisgarh has improved its positions over previous year and moved from Green to Yellow Category.

Trend: Bihar and Andaman and Nicobar Islands have improved their position over previous year. Bihar moved from Green to Yellow Category while Andaman and Nicobar Islands moved from White to Green Category.

Nagaland

Jammu &Kashmir

HimachalPradesh

Chandigard Punjab

UttarakhandHaryana

Delhi

Uttar Pradesh

Rajasthan

Sikkim

Bihar

Arunach

al

Pradesh

Assam

Madhya PradeshGujarat

Jharkhand

Meghalaya

Manipur

Tripura Mizoram

DiuDaman

Dadra &Nagar Haveli

Maharashtra

Telangana

Chh

attis

garh

Odisha

Goa

Karnataka

AndhraPradesh

Puducherry

Tamil Nadu

Kera

la

Laksh

adw

eep

(India

)

Andam

an a

nd N

icobar Isla

nds

Upto Rs.1000 crore

> Rs. 1,000 crore but <= Rs. 10,000 crore


Nil

Upto Rs. 1000 crore

> Rs. 1,000 crore but <= Rs.10,000 crore


Jammu &Kashmir

HimachalPradesh

Chandigard Punjab

UttarakhandHaryana

Delhi

Uttar Pradesh

Rajasthan

Sikkim

Bihar

Arunach

al

Pradesh

Assam


Jharkhand

Meghalaya

Manipur

TripuraWestBengal

Mizoram

DiuDaman

Dadra &Nagar Haveli

Maharashtra

Telangana

Chh

attis

garh

Odisha

Goa

Karnataka

AndhraPradesh

Puducherry

Tamil Nadu

Kera

la

Laksh

adw

eep

(India

)

Andam

an a

nd N

icobar Isla

nds

Nill

> Rs. 50,000 crore



140

Graph 3.19: State-wise distribution of disbursements of housing loans to Builders during FY 2015-16

Graph 3.20: State-wise distribution of outstanding housing loans to Builders

Trend : Assam, Puducherry, Haryana and Uttar Pradesh have improved their positions over previous year. Assam and Puducherry moved from White to Green category while Haryana moved from Yellow to

Blue Category. Uttar Pradesh moved from Green to Yellow Category. Rajasthan moved down from Yellow to Green Category.

Trend: Uttar Pradesh and Haryana have improved their positions over previous year, Uttar Pradesh has moved from green to yellow category, while Haryana moved from Yellow to Blue category. Tripura moved down from Green to White Category

Jammu &Kashmir

HimachalPradesh

Chandigard Punjab

UttarakhandHaryana

Delhi

Uttar Pradesh

Rajasthan

Sikkim

Bihar

Arunach

al

Pradesh

Assam


Jharkhand

Meghalaya

Manipur

TripuraWestBengal

Mizoram

DiuDaman

Dadra &Nagar Haveli

Maharashtra

Telangana

Chhattis

garh

Odisha

Goa

Karnataka

AndhraPradesh

Puducherry

Tamil Nadu

Kera

la

Lakshadw

eep

(India

)

Andam

an a

nd N

icobar Is

lands

Upto Rs. 1000 crore



Nill

Jammu &Kashmir

HimachalPradesh

Chandigard Punjab

UttarakhandHaryana

Delhi

Uttar Pradesh

Rajasthan

Sikkim

Bihar

Arunach

al

Pradesh

Assam


Jharkhand

Meghalaya

Manipur

Mizoram

DiuDaman

Dadra &Nagar Haveli

Maharashtra

Telangana

Chh

attis

garh

Odisha

Goa

Karnataka

AndhraPradesh

Puducherry

Tamil Nadu

Kera

la

Laksh

adw

eep

(India

)

Andam

an a

nd N

icobar Is

lands

Upto Rs. 1000 crore



Nill


141

Trend: Tripura has improved its position over previous year and moved from White to Green category.

Graph 3.21: State-wise distribution of disbursement of housing loans for acquisition/ construction of new houses to individuals during FY 2015-16

Jammu &Kashmir

HimachalPradesh

Chandigard Punjab

UttarakhandHaryana

Delhi

Uttar Pradesh

Rajasthan

Sikkim

Bihar

Arunach

al

Pradesh

Assam


Jharkhand

Meghalaya

Manipur

Mizoram

DiuDaman

Dadra &Nagar Haveli

Maharashtra

Telangana

Chh

attis

garh

Odisha

Goa

Karnataka

AndhraPradesh

Puducherry

Tamil Nadu

Kera

la

Laksh

adw

eep

(India

)

Andam

an a

nd N

icobar Is

lands

Nill

Upto Rs. 1000 crore





Chapter

4.1 Background

4.2 “Housing for All by 2022”

•

4: Housing For All by 2022

On the June 25, 2015, the Hon’ble Prime Minister of India announced the, “Housing for All by

2022 Mission”. This Mission aimed to provide affordable housing to all citizens of the

country by the 75th year of India’s independence. The Mission advocates use of technology for

cost effective and good quality construction and also for various administrative inter-linkages

for implementation of different activities that are a part of the Mission. NHB, along with

HUDCO has been identified as a CNA by the Government of India, to implement the

PMAY–CLSS, which is a Central Sector Scheme. For this purpose, NHB has entered into

MoUs with 145 PLIs. As on December 31, 2016, NHB has released a subsidy of ` 307 crore

benefitting 17,032 households.

The Hon’ble President of India, in his address to the Joint Session of Parliament on June 9, 2014 had announced that, “By the time the Nation completes 75 years of its Independence, every family will have a pucca house with water connection, toilet facilities, 24x7 electricity supply and access.” This announcement set the tone for a mega Mission to address the major challenge of providing housing and associated facilities to all those who do not have pucca homes and associated facilities. Thus, on the June 25, 2015, the Hon’ble Prime Minister of India announced the Mission known as “Housing for All by 2022”. This Mission brought to reality the deep-rooted intent of the Government to ensure that every family in India has a sustainable shelter to live in.

The Mission was launched in both urban and rural areas through schemes titled Pradhan Mantri Awas Yojana – Urban (PMAY-U) and Pradhan Mantri Awaas Yojana – Gramin (PMAY-G) respectively. These schemes are structured to provide central assistance to all eligible families/beneficiaries across all statutory towns and villages for houses included under the Mission. States/UTs will have flexibility to include in the Mission, the Planning area as notified with respect to Statutory Town and which surrounds the concerned municipal area.

4.2.1 Pradhan Mantri Awaas Yojana – Gramin (PMAY-G)

4.2.1.1 The Pradhan Mantri Awas Yojana (Gramin) was launched on March 23, 2016, to address the housing shortage in rural areas and to achieve the objective of providing a pucca house to every household under the Housing for All by 2022 Mission. The scheme is equipped with adequate features in a bid to address the rural housing shortage. A structured road map for the scheme and an implementation strategy have been built into the scheme structure. The scheme design calls for a scientific and a systematic approach to ensure that the benefits reach the right beneficiaries.

4.2.1.2 PMAY-G has the following salient features built into the programme to help in successful implementation of the measures announced in the scheme:

Clearly defined targets to be achieved in a given period through active collaboration between Central and State Governments.

142


143

•

•

•

Appropriate financial assistance with prescribed contributions from Central and State Governments to the identified beneficiary to facilitate construction of the house. Separate assistance is available for construction of toilets as well.

Identification of beneficiaries to be done in an objective and transparent manner to avoid scope for any discretion in selection of beneficiaries.

Transparency in transfer of funds to the beneficiaries through electronic fund transfer mechanism.

Use of technology for various purposes such as geo-tagging and geo-referencing of units to enable closer monitoring.

Special support schemes to help beneficiaries in skill development for construction and knowledge transfer for low-cost housing technology etc. to make the most of the resources.

Allotment of house in the joint names of husband and wife or in the sole name of the lady of the house, so as to build more accountability towards proper use of funds and other support provided under the scheme.

Detailed information about the scheme and the progress made under the scheme till December 2016, is covered earlier in Chapter 2, under the Rural Housing Initiatives by Central Government.

4.2.2 Pradhan Mantri Awas Yojana – Urban (PMAY-U)

4.2.2.1 The Pradhan Mantri Awas Yojana – Urban, was announced on June 25, 2015. The objective of the scheme encapsulates the vision of the Government which is to deliver house ownership for all in the cities and towns of the country.

The Mission envisages to provide financial and technical assistance with participation from both Central Government and State Government. All eligible families/beneficiaries across all statutory towns that are included under the Mission need to be reached out and covered. When the scheme was announced on June 25, 2015, it was targeted only at EWS and LIG categories. However, the Hon’ble Prime Minister in his address to the nation on the December 31, 2016, has included the MIG category also within the scope of this Mission. Full details of the facilities to the MIG category will get rolled out in due course.

34 4.2.2.2 Implementation Strategy for PMAY-U

The Government of India is implementing the Mission through four verticals as shown in Graph 4.1 below:

•

•

•

34 Ministry of Housing and Urban Poverty Alleviation, Annual Report 2016-17

Chapter 4 : Housing For All by 2022 jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

Graph 4.1: Verticals through which PMAY-U is implemented

“In-situ” Slum Redevelopment: A large part of the population in urban localities that has migrated from villages, lives in slums. These slums, which currently have poor sanitation and hygiene facilities, need to be redeveloped to provide a decent housing ecosystem for its occupants. The scheme envisages a slum redevelopment grant of ` 1 lakh per house for all houses built for eligible slum dwellers. Land is used as resource with participation of private developers.

Credit Linked Subsidy Scheme (CLSS): The CLSS scheme is for those who avail a housing loan facility from PLIs to purchase or construct their first house in India or want to do some extensions in their existing DU. Under the scheme beneficiaries are given “Interest Subsidy” on the loans availed for buying or constructing a house. The borrowers would be eligible for an interest subsidy at the rate of 6.50 per cent for a maximum tenure of 15 years. The Interest Subsidy works out to about ` 2.2 lakh per house. National Housing Bank (NHB) and HUDCO are the designated Central Nodal Agencies (CNAs) to channelize this subsidy to the Primary Lending Institutions (PLIs).

Affordable Housing in Partnership with public or private sector: This component of the Mission is a supply-side intervention. It is envisaged that a central assistance of ` 1.5 lakh per house would be provided under affordable housing in partnership with Governmental agencies or private sector players.

Beneficiary-led individual house construction/enhancements: This component is introduced to cover the beneficiaries who are not able to take advantage of other components of the scheme. Such families may avail of Central assistance of ̀ 1.5lakh for the construction of new houses or for the enhancement of existing houses under the Mission.

•

•

•

•

In-Situ Slum Development

(`1 lakh per house for eligible

beneficiaries)

Credit Linked Subsidy Scheme (Upto ` 2.2 lakh

interest subsidy for eligible

beneficiaries)

Affordable Housing in Partnership

(`1.5 lakh per house Central

Assistance)

Beneficiary-led individual house

construction / enhancements(`1.5 lakh per house Central

Assistance)

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4.2.2.3 Technology Sub-Mission

To promote environment friendly, disaster resistant technologies and planning/ layouts suitable for different areas of the country, a Technology sub-mission has been launched as part of PMAY-U. It is envisaged that Centre and State Governments would partner with willing IITs, NITs and Planning and Architecture institutes for developing technical solutions, capacity building and handholding of States and Cities.

4.2.3 Role of NHB under the Mission

NHB, along with HUDCO has been identified as a CNA by the Government of India, MHUPA, to implement the PMAY–CLSS. For implementing the scheme, the NHB has entered into MoUs with 145 PLIs. It has developed a 24x7 online portal for the submission of subsidy claims by the PLIs. NHB also conducts regional works for sensitising the PLIs and SLNAs about this scheme. As on December 31, 2016, a subsidy of ` 307 crore has been disbursed to 17,032 beneficiary households and the State/UT-wise heat map is shown below as Graph 4.2

Graph 4.2: State/UT wise Performance under PMAY-CLSS as on December 31, 2016

ArabianSea

Bayof

Bengal

Indian Ocean

Maharashtra

AndhraPradesh

Tamil Nadu

Odisha

Lakshadweep

Goa

Puducherry

Andamanand

NicobarIslands


Bihar

Jharkhand

Uttar Pradesh

Uttarakhand

Assam

ArunachalPradesh

Nagaland

Manipur

MizoramTripura

Sikkim

Meghalaya

Rajasthan

Gujarat

Haryana

HimachalPradesh

Punjab

Delhi

Chandigarh

Jammuand

Kashmir

Daman and Diu


Map not to scale

Lowest (White) to Highest (Green)

Colour Gradient

Telangana

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Chapter 4 : Housing For All by 2022 jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

Chapter 5 : Future Outlook

5.1 Housing is an engine for economic growth in our country through its forward and backward linkages with more than 250 ancillary industries and the housing finance acts as fuel for the same. As per the NCEAR Study Report, every ?1.00 investment made in the housing sector can increase household income by ?̀ 0.41, can add ` 1.54 to the GDP, and ?̀ 0.12 can be collected as Indirect Taxes. Hence, housing and housing finance are very important for both local and national economy. As housing finance growth provides multiplier effect on employment, productivity and GDP, leveraging the housing finance not only helps in generation of employment for many but also enables provision of decent and permanent homes for millions. Momentum generated from late 1990s with the entry of banks and new HFCs into the business, the pace of housing finance disbursements increased on sound and stable lines with outstanding housing loans of banks and HFCs reaching over ?̀ 12 trillion as on March 31, 2016.

5.2 To meet the shortage and emerging requirements on affordable housing, housing finance momentum needs to be placed on a trajectory of rapid growth that includes broader policy tools and expanded mission with suitable risk management and mitigants. There are challenges in affordable housing, due to land availability, regulatory provisions, permission and approval delays, accessibility to affordable housing finance, etc. The “Housing for All by 2022” Mission launched by the Government of India provides the right opportunity, direction and appropriate financial and technical support to address the challenges. Thrust of the Mission is to enable a pucca house for every household by improving the affordability. Given the significant forward and backward linkages, it is important to ensure convergence of all measures in the housing sector with the initiatives launched by the Government through relevant linkages with other programmes.

5.3 Housing in the country is on the cusp of an enormous change as the urbanisation takes place at a faster rate than the housing supply. As India continues to grow, an adequate supply of affordable housing will be integral to achieving its national development targets and enabling the country to maintain a high rate of growth. Affordable housing can be tackled through two pronged strategy viz. ownership housing and rental housing. India has a lot of younger migrant population, and rental housing can bring in a transformation that will not only provide affordable housing but will also bring about a paradigm shift in society in terms of quality of life, availability of infrastructure, optimum usage of resources, etc. “Housing for All by 2022” Mission along with Rental Housing would trigger evolution of a favourable ecosystem to facilitate social and economic growth of the country. To start with, we can explore the rental housing options either on project-based or on tenant-based, like in the United States, based on who or what is subsidized. The constituents of the new ecosystem are given in Graph 5.1 below:

`

146


Graph 5.1: Emergence of new eco-system around Housing for All by 2022 Mission

5.4 Challenge going forward will be to evolve a new housing finance eco-system that

pushes digital marketing and payments with increased use of web, smartphones, apps, social media, etc. for the seamless integration of online and offline services;

facilitates the provision of on-line securitization platform for emergence of strong secondary mortgage market through instruments like RMBS, Covered Bonds with appropriate regulations and government support;

enables rental housing financing through REITs, etc.;

attracts large public as well as private sector investments using financial sector and legal reforms through increased transparency.

Given the challenge of housing finance affordability, NHB can play a catalytic role with its rich experience. The NHB can leverage its manpower, IT capabilities, and knowledge resources towards the endeavour of affordable housing and contribute to the successful implementation of “Housing for All by 2022” Mission and Rental Housing in partnership with various stakeholders and supporting policies of Central/State Governments, Reserve Bank of India and other sectoral regulators.

•

•

•

•

Urbananisation & Infrastructure Development

Affordable HousingHealth Care

Education & Skill

Development

Population Growth

Agriculture & Rural

Development

Make in India : Employment,

Productivity & Growth GrowthOrientedHousing

Eco-system(Ownership

& Rental)

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Chapter 5 : Future Outlook jk"Vªh; vkokl cSadNATIONAL HOUSING BANK

148

Note


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