NHB Inside Hindi

okf"kZd fjiksVZ 2018-19

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jk"V™h; vkokl cSad NATIONAL HOUSING BANK

okf"kZd fjiksVZ2018&19


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5


7

fo"k; i`"B la-

1- ifjp; 9

2- fu"ikndrk 17

3- vFkZO;oLFkk dk fogaxkoyksdu 21

4- ifjpkyu 31

5- os QkWoZMZ 67

okf"kZd ys[kk 2018&19 70

vuqca/k 155

ckWDl

ckWDl 2-1 %

ckWDl 3-1 %

ckWDl 3-2 %

ckWDl 3-3 %

ckWDl 4-1 %

1-1 jk"Vªh; vkokl cSad ds ckjs esa 10

1-2 vfHk'kklu dk <kapk 11

1-3 funs'kd eaMy 12

2-1 ifjpkyu fo'ks"krk,a 18

2-2 izeq[k eSfVªDl 19

4-1 lalk/ku laxzg.k 32

4-2 iqufoZÙk 34

4-3 ifj;kstuk foÙk 39

4-4 fofu;eu ,oa i;Zos{k.k 41

4-5 lao/kZu ,oa fodkl 48

4-6 tksf[ke izca/ku 58

4-7 lwpuk izkS|ksfxdh 59

4-8 ekuo lalk/ku 60

4-9 jktHkk"kk 62

4-10 Kku dsUnz 63

4-11 vuqikyu izdks"B 64

4-12 lrdZrk izdks"B 64

4-13 vkjVhbZ izdks"B 64

4-14 dkjiksjsV lkekftd mRrjnkf;Ro 65

4-15 {ks=h; dk;kZy; vkSj {ks=h; izfrfuf/k dk;kZy; 65

4-16 ys[kk ijh{kk 65

lalnh; lfefr;ksa ds le{k mifLFkfr 18

oSf'od n`f"Vdks.k 22

vkfFkZd losZ{k.k 2018&19 25

dsUnzh; ctV 2019&20 28

u, ,oa ekStwnk vkokl esa laifRr chek 54


v/;k; 1%ifjp;

njoktk----- ,d u;s vk;ke esa izos'k%ifjp; ds v/;k; ls vkjEHk

1- ifjp;

1-1 jk"Vªh; vkokl cSad dk ifjp;

dh xbZ gSA jk-vk- cSad dks vkokl foÙk laLFkkuksa ds usVodZ dks fodflr djus dh ftEEksnkjh Hkh lkSaih xbZ gS rkfd oss fofHkUu {ks=ksa vkSj fofHkUu vk; lewgkas dh i;kZIr :Ik ls lgk;rk dj ldsaA ;g {ks= ds fy, lalk/kuksa dks jk"Vªh; vkokl cSad ¼jk-vk- cSad½ ,d fodkl foÙkh; lqxe cukus rFkk mUgsa vkokl ds fy, pSuykbt djus laLFkku gS ftldh LFkkiuk laln ds vf/kfu;e ;Fkk gsrq Hkh ftEEksnkj gSA jk-vk- cSad vkokl _.k dks vf/kd jk"Vªh; vkokl cSad vf/kfu;e] 1987 ¼1987 dk dsanzh; fdQk;rh vkSj vke vkneh ds fy, lqxe cukus gsrq vf/kfu;e la- 53½ ds rgr o"kZ 1988 esa gqbZ gSA jk-vk-cSad vk'kkoknh gSA jk-vk-cSad dh LFkkiuk jk-vk-cSad vkokl foÙk laLFkkuksa dk lao/kZu djus vkSj ,sls vU; vf/kfu;e 1987 ds rgr O;qRiUu fofu;ked vkSj laLFkkuksa dks foÙkh; lgk;rk rFkk vU; lgk;rk iznku i;Zos{kh çkf/kdj.k ds vk/kkj ij vkokl foÙk daifu;ksa djus ds fy;s ,d çeq[k ,tsalh ds :i esa dk;Z djrk gSA dh xfrfof/k;ksa dks fofu;fer djus ds dk;Z ds lkFk dh jk-vk- cSad Hkkjrh; fjt+oZ cSad ds iw.kZ LokfeRok/khu esa xbZ gSAgSA jk-vk- cSad rhu O;kid dk;Z djrk gS & vkokl foÙk

1daifu;ksa ¼vk-fo-da-½ dk fofu;eu ,oa i;Zos{k.k] foÙk jk-vk- cSad dh LFkkiuk vU; dk;ksaZ ds lkFk&lkFk iks"k.k rFkk lao/kZu vkSj fodklA jk-vk-cSad laLFkkxr fuEufyf[kr mís';ksa dh çkfIr ds fy;s dh xbZ gS &<kaps vkSj cktkjksUeq[k <kaps dks c<+kok nsrs gq, ns'k esa

] vkokl foÙk ç.kkyh dks etcwr djus vkSj LFkkf;Ro lekos’kh] vkSj fdQk;rh vkokl foÙk ç.kkyh dks çnku djus ds çfr opuc) gSA fodflr djuk vkSj vkokl foÙk ç.kkyh dks lexz

fot+u jk"Vªh; foÙkh; ç.kkyh ls lEc) djuk(

vkokl foÙk cktkj esa LFkkf;Ro ;qDr lekos’kh foLrkj lefiZr vkokl foÙk laLFkkuksa ds usVodZ dks dks c<+kok nsukA fodflr djuk rkfd os lekt ds fofHkUu {ks=ksa vkSj

oxksaZ dh i;kZIr :Ik ls lgk;rk dj ldsa( fe'ku

vkokl ds fodkl gsrq foÙk iks"k.k ,oa vU; lalk/kuksa fuEu ,oa e/;e vk; vkokl ij tksj nsrs gq, vkcknh ds dks lqxe cukuk rFkk _.k ,oa oguh;rk dh lHkh oxksZa dh vkoklh; vko’;drkvksa dh iwfrZ ds fy, xq.koÙkk dks c<+kus ds fy, laLFkkuksa gsrq ÝseodZ cktkj {kerkvksa dks ryk’kuk ,oa fodflr djukAfufeZr djuk(

mís';vkcknh ds fofHkUu oxksZa dh fof'k"V t:jrksa dks iwjk

jk-vk- cSad dh LFkkiuk vkcknh ds lHkh oxksaZ ds fy;s ,d djus ds fy, vkokl foÙk esa u, mRikn uoksUesf"kr lq–<+] ]LoLFk] O;ogk;Z vkSj ykxr izHkkoh fdQk;rh ,oa fodflr djuk(vkokl foÙk ç.kkyh dks fodflr djus vkSj vkokl foÙk

?kjsyw ,oa cgqi{kh; ,tsafl;ksa ds lkFk lk>snkjh ,oa ç.kkyh dks lexz foÙkh; ç.kkyh ls lEc) djus ds fy;s lgHkkfxrk ds }kjk ÅtkZ n{k ,oa lrr dk;Zfof/k;ksa

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vkcknh ds lHkh oxksaZ ds fy;s ,d lq–<+] ]LoLFk

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dsaæh; ctV 2019 esa dh xbZ ?kks"k.kk ds vuqlkj] jk"Vªh; vkokl cSad vf/kfu;e 1987 esa vko';d la'kks/ku çLrkfor fd, x, FksA fnukad 09-08-2019 dh vf/klwpuk la- ,l-vks-2902 ¼bZ½ esa foÙkh; lsok;sa foHkkx] foÙk ea=ky; us 09-08-2019 vf/klwfpr fd;k ftl frfFk ls foÙk ¼la-2½ vf/kfu;e] 2019 dk v/;k; VI dk Hkkx VII ds çko/kku ykxw gksaxsA rnuqlkj] 09-08-2019 ls] vk-fo-da- dk fofu;eu vkjchvkbZ dks gLrkarfjr fd;k x;k gSA

ifjp;

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ds mi;ksx ls i;kZoj.k vuqdwy vkokl ds ek/;e ls dsoy izfØ;kvksa dks ljy cukuk ugha gS vfirq lrr i;kZokl ,oa vkokl foÙk iz.kkyh ds fodkl blds lkFk csgrj lwpuk izlkj Hkh gSA jk-vk-cSad us gsrq mi;qDr okrkoj.k rS;kj djukA dsanz ,oa dqN jkT;ksa dh jkT; vkokl ,oa i;kZokl

uhfr;ksa dks cukus esa lg;ksx iznku fd;k gS vkSj dk;Z yf{kr oxksZa ds vkokl gsrq ljdkjh ;kstukvksa ds

dk;kZUo;u esa dsanzh; uksMy ,tsalh dh Hkwfedk fuHkk • jk-vk- cSad vius mís';ksa dh çkfIr ds fy;s rhu

jgk gSA 2çeq[k dk;ksaZ uker% fofu;eu ,oa i;Zos{k.k] foÙk iks"k.k rFkk lao/kZu ,oa fodkl ds rgr fofHkUu • jk-vk-cSad _.k vk/kkfjr lfClMh ;kstuk çdkj ds izdk;Z djrk gSA vkokl foÙk daifu;kas ¼lh,y,l,l½] tks ^^iz/kkuea=h vkokl ;kstuk ¼vk-fo-da-½ ds ,d fofu;ked ds rkSj ij] jk-vk-cSad &lcds fy, vkokl ¼'kgjh½ ;kstuk** fn'kk&funsZ'k dks Hkkjr esa vkokl foÙk ds dkjksckj dks vkjaHk djus dk nwljk mikax gS] rFkk Hkkjr ljdkj ds 2022 rd ,oa tkjh j[kus gsrq vk-fo-da- dks iathdj.k izek.ki= lcds fy, vkokl fe'ku ds rgr xzkeh.k vkokl tkjh djus dh ftEesnkjh lkSaih xbZ gSA LFkyh; ,oa C;kt lfClMh ;kstuk ¼vkj,pvkbZ,l,l½ gsrq ,d LFkysÙkj fuxjkuh] cktkj vklwpuk ,oa vU; dsUæh; uksMy ,tsalh gSAfofu;kedksa ds lkFk leUo; ds ek/;e ls jk"Vªh; vkokl cSad }kjk vk-fo-da- dk i;Zos{k.k fd;k tkrk • fuEu vk; vkokl gsrq _.k tksf[ke xkjaVh fuf/k gSA foÙk iks"k.k ds ekspsZ ij] jk-vk-cSad vkokl foÙk U;kl ¼lhvkjth,QVh,yvkbZ,p½ dks 1 ebZ] 2012 daifu;ksa ,oa cSadksa lfgr izkFkfed _.knkrk dks vkoklu ,oa 'kgjh dk;Z ea=ky;] Hkkjr ljdkj laLFkkuksa ¼ih,yvkbZ½ dks muds }kjk oS;fDrdksa dks }kjk LFkkfir fd;k x;k Fkk rkfd yf{kr {ks=ksa fn, tkus okys vkokl _.kksa gsrq iqufoZÙk lgk;rk ¼bZMCY;w,l@,yvkbZth m/kkjdrkZ½ dh t:jrksa iznku djrk gSA xzkeh.k ,oa 'kgjh {ks=ksa esa dks iwjk djus ds fy, 'kgjh {ks=ksa esa vkokl gsrq m/kkjdrkZvksa] fuEu vk; ,oa vukSipkfjd vk; laLFkkxr _.k dk csgrj çokg lqfuf'pr fd;k tk m/kkjdrkZvksa ,oa izkd``frd vkinkvksa ls izHkkfor ldsA U;kl dk çca/ku jk-vk-cSad }kjk fd;k tk jgk O;fDr;ksa dks fn, x, vkokl _.kksa gsrq fj;k;rh gSA njksa ij iqufoZÙk iznku fd;k x;k gSA jk-vk-cSad lkoZtfud ,tsafl;ksa ,oa lkoZtfud futh lgHkkfxrk bdkbZ;ksa dks Hkh mudh vkokl dkjiksjsV vfHk'kklu dk lkj rRo izca/ku ds ifj;kstukvksa ds fy;s ifj;kstuk foÙk lgk;rk mPpre Lrj ij lR;fu"Bk] ikjnf'kZrk vkSj iznku djrk gSA jk-vk-cSad dh lao)Zu ,oa fodkl tckons;rk dks c<+kok nsuk vkSj vuqj{k.k esa fufgr xfrfof/k;ksa dk y{; vkokl foÙk {ks= ds ifjpkyu gksrk gSA dkjiksjsV vfHk'kklu esa izfØ;kvksa vkSj ifjos'k dks etcwr djus ds lkFk&lkFk u, mRikn csgrj i)fr;ksa ds ,d lsV }kjk lqfuf'pr djuk ,oa cktkj volajpuk dks fodflr djuk gSA {ks= gksrk gS fd laxBu ds dk;ksZa dk lapkyu bl izdkj ds dkfeZdksa gsrq izf'k{k.k ,oa {kerk fuekZ.k dk mÌ';

1-2 vfHk'kklfud <kapk

dsaæh; ctV 2019 esa dh xbZ ?kks"k.kk ds vuqlkj] jk"Vªh; vkokl cSad vf/kfu;e 1987 esa vko';d la'kks/ku çLrkfor fd, x, FksA fnukad 09-08-2019 dh vf/klwpuk la- ,l-vks-2902 ¼bZ½ esa foÙkh; lsok;sa foHkkx] foÙk ea=ky; us 09-08-2019 vf/klwfpr fd;k ftl frfFk ls foÙk ¼la-2½ vf/kfu;e] 2019 dk v/;k; VI dk Hkkx VII ds çko/kku ykxw gksaxsA rnuqlkj] 09-08-2019 ls] vk-fo-da- dk fofu;eu vkjchvkbZ dks gLrkarfjr fd;k x;k gSA


fd;k tk, ftlls ikjnf'kZrk vkSj dkjksckjh uhfr;ksa • M‚- pj.k flag] Hkkjrh; fjtoZ cSad ds vFkZ'kkL= ds dk mPpre Lrj o dkuwuksa dk vuqikyu lqfuf'pr ps;j çksQslj ] Hkkjrh; çca/k laLFkku vkbZvkbZ,e gksA jk-vk-cSad vius i.k/kkjdksa ds fy;s yxkrkj cSaxyksj] 08&05&2017 dks Lora= funs'kd ds :i vkSj LFkk;h vk/kkj ij fu"i{krk ,oa tckons;rk ds esa inHkkj xzg.k fd;kAfl)kUrksa dks nh?kZdky rd etcwr cuk;s j[ksxkA

;Fkk 30&06&2019 dks] jk"Vªh; vkokl cSad jk-vk-cSad ds dkjksckj ds dk;ksaZ dk lkekU; vf/kfu;e] 1987 dh /kkjk 6¼1½ ¼d½ ds rgr Hkkjr v/kh{k.k] funsZ'ku vkSj çca/ku funs'kd eaMy esa ljdkj }kjk fu;qä jk-vk-cSad ds çca/k funs'kd ds fufgr gSa] tks lkoZtfud fgr ds laca/k esa vfrfjä] cksMZ esa fuEufyf[kr lajpuk ds vuqlkj O;kolkf;d fl)karksa ij dk;Z djrk gSA funs'kd lkr vU; funs'kd Fks%eaMy dk xBu jk"Vªh; vkokl cSad vf/kfu;e] 1987

• vf/kfu;e dh /kkjk 6¼1½ ¼[k½ ds rgr dsaæ ljdkj ds çko/kkuksa ds vuqlkj fd;k tkrk gSA cksMZ dh }kjk fu;qä ,d xSj&dk;Zdkjh funs'kdv/;{krk Jherh nf{krk nkl] vij lfpo] Hkkjr

ljdkj] foÙk ea=ky;] foÙkh; lsok;sa foHkkx }kjk dh • vf/kfu;e dh /kkjk 6¼1½ ¼x½ ds rgr dsaæ ljdkj xbZ Fkh tks 27 twu] 2019 ds iwokZà rd jk-vk-cSad

}kjk fu;qä ,d xSj& dk;Zdkjh funs'kddh çca/k funs'kd ,oa eq[; dk;Zdkjh vf/kdkjh dk vfrfjä çHkkj laHkkys gqbZ FkhA rRi'pkr Hkkjr

• vf/kfu;e dh /kkjk 6¼1½ ¼?k½ ds rgr Hkkjrh; fjtoZ ljdkj] foÙk ea=ky;] foÙkh; lsok;sa foHkkx ds 27

cSad }kjk ukfer Hkkjrh; fjtoZ cSad ds funs'kd twu] 2019 ds vf/klwpuk la- F-No-

eaMy ls ,d funs'kd24/10/2018&IF-II ds vuqlkj] Jh 'kkjnk dqekj gksrk us 27 twu] 2019 ls jk"Vªh; vkokl cSad ¼jk-vk- • vf/kfu;e dh /kkjk 6¼1½ ¼M½ ds rgr dsaæ ljdkj cSad½ ds çca/k funs'kd ¼ç-fu-½ ds :i esa inHkkj }kjk fu;qä dsaæ ljdkj ds vf/kdkfj;ksa ls nks xzg.k fd;k gSA funs'kd] vkSj

o"kZ 2018&19 ds nkSjku jk-vk-cSad ds funs'kd eaMy • vf/kfu;e dh /kkjk 6¼1½ ¼p½ ds rgr dsaæ ljdkj

dh lajpuk esa fuEufyf[kr ifjorZu gq,%}kjk fu;qä jkT; ljdkj ds vf/kdkfj;ksa esa ls nks funs'kdA• Jh 'kkjnk dqekj gksrk dks 27&06&2019 ls jk-vk-

cSad ds ds :i esa fu;qä fd;k x;kA

• M‚- çlUu dqekj eksgarh] funs'kd] Hkkjrh; fjtoZ cksMZ us lkr lfefr;ksa dk xBu fd;k gS rkfd jk-cSad ds dsaæh; cksMZ] us 07&03&18 dks vkjchvkbZ vk- cSad ds dk;Zdykiksa ij csgrj <ax ls /;ku fn;k ukfer funs'kd ds :i esa inHkkj xzg.k fd;kA tk lds] ;Fkk

(i) funs'kdksa dh dk;Zikyd lfefr ¼bZlh½] • Jh deyfd'kksj paæonu tkuh] iwoZ dk;Zikyd funs'kd vkbZMhchvkbZ cSad] 06&04&2017 dks

(ii) cksMZ dh ys[kk ijh{kk lfefr ¼,lhch½]Lora= funs'kd ds :i esa inHkkj xzg.k fd;kA

1-3 funs'kd eaMy1-2-1 cksMZ dh lajpuk

1-3-1 cksMZ }kjk xfBr lfefr;kaçca/k funs'kd

12

ifjp;

(iii) funs'kdksa dh ifjyfC/k;ka lfefr ¼vkjlh½] Jh iadt tSu

vij lfpo] Hkkjr ljdkj] (iv) cksMZ dh ekuo lalk/ku lfefr ¼,pvkjlh½]foÙk ea=ky;] foÙkh; lsok;sa foHkkx

(v) cksMZ dh fofu;ked lfefr] Jh çlkar dqekj

(vi) cksMZ dh i;Zos{kh lfefr] rFkk vij lfpo] Hkkjr ljdkj]

xzkeh.k vkokl] xzkeh.k fodkl foHkkx] (vii) cSad dh xSj&lgdkjh m/kkjdrkZvksa ,oa bjknru pwddrkZvksa ij leh{kk lfefr xzkeh.k fodkl ea=ky;

cksMZ dh dk;Zikyd lfefrcksMZ dh fofHkUu lfefr;ksa ds dk;ksaZ dh Li"V O;k[;k dh xbZ gSaA cksMZ@lfefr;ksa dh cSBdsa

(i) Jh ,l-ds- gksrk] çca/k funs'kd] fu;fer varjky ij vk;ksftr dh tkrh gSaA

(ii) MkW- pj.k flag] lnL; o"kZ 2018&19 ds nkSjku] cksMZ dh lkr cSBd gqbZ] cksMZ ds ys[kk ijh{kk lfefr dh pkj cSBdsa vkSj (iii) Jh deyfd'kksj lh- tkuh] lnL;dk;Zikyd lfefr] ekuo lalk/ku lfefr dh

(iv) çlkar dqekj] lnL;rhu&rhu cSBdsa ,oa cksMZ dh fofu;ked lfefr lfefr dh nks cSBd vk;ksftr gqbZA cksMZ dh ys[kk ijh{kk lfefr

;Fkk 22@08 2019 rd lfefr;ksa dk iquxZBu ,oa (i) Jh iadt tSu] v/;{k

cksMZ ds ?kVd fuEufyf[kr gS%

(ii) Jh f'ko nkl eh.kk] lnL; jk-vk- cSad ds funs’kd eaMy dh lajpuk

(iii) Jh deyfd'kksj lh- tkuh] lnL;Jh ,l-ds- gksrk

çca/k funs'kd] jk"Vªh; vkokl cSad (iv) Jh izlkar dqekj] lnL;

Jh deyfd'kksj lh- tkuh cksMZ dh ekuo lalk/ku lfefr

va'kdkfyd xSj &dk;Zdkjh funs'kd(i) Jh ,l- ds- gksrk] v/;{k M‚- pj.k flag

va'kdkfyd xSj & dk;Zdkjh funs'kd (ii) tkuh] lnL;

M‚ çlUuk dqekj eksgarh(iii) Jh izlkar dqekj] lnL;

dsaæh; funs'kd eaMy] Hkkjrh; fjtoZ cSad(iv) Jh f'ko nkl eh.kk] lnL;

Jh f'ko nkl eh.kk

vij lfpo] Hkkjr ljdkj]

vkoklu ,oa 'kgjh dk;Z ea=ky;

@

Jh deyfd'kksj lh-

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cksMZ dh i;Zos{kh lfefr (ii) MkW- pj.k flag] lnL;

(i) Jh ,l- ds- gksrk] v/;{k (iii) tkuh] lnL;

(ii) MkW- çlUuk dqekj eksgarh] lnL; (iv) Jh f'ko nkl eh.kk] lnL;

(iii) MkW- pj.k flag] lnL; cksMZ dh ifjyfC/k;ka lfefr

(iv) Jh iadt tSu] lnL; (i) MkW- çlUuk dqekj eksgarh] v/;{k

(v)Jh izlkar dqekj] lnL; (ii) Jh iadt tSu] lnL;

xSj&lgdkjh m/kkjdrkZvksa ,oa bjknru (iii) MkW- pj.k flag] lnL; pwddrkZvksa ij leh{kk lfefr

(iv) Jh deyfd'kksj lh- tkuh] lnL; (i) Jh ,l- ds- gksrk] v/;{k

Jh deyfd'kksj lh-

ifjp;

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funs’kd eaMy

Jh deyfd'kksj lh- tkuh MkW- pj.k flag

Jh iadt tSu Jh f'ko nkl eh.kk Jh izlkar dqekj

MkW- izlUuk dqekj eksgarh

Jh ,l- ds- gksrk


v/;k; 2% fu"ikndrk

lhf<+;k¡---- izxfr dh |ksrd%fu"ikndrk dh pqukSfr;ksa dk lkj

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2- fu"ikndrk fo’ks"krk,a

2-1 ifjpkyu fo’ks"krk,a

ckWDl 2-1 % lalnh; lfefr;ksa ds le{k mifLFkfr

?fofHkUu izkFkfed _.knkrk laLFkkuksa ds 437 ls vf/kd izfrHkkfx;ksa dks doj djrs gq, ns'k Hkj esa 12 izf'k{k.k dk;ZØe vk;ksftr fd, x,A

'ks;j iwath vfHk’kklu

? ?v/khuLFk fo/kku ij lalnh; lfefr rFkk 'kgjh xbZ tksfd Hkkjr ljdkj }kjk iw.kZr% vfHknÙk gSA fodkl ij LFkkbZ lfefr ds le{k mifLFkr gqvkA

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

?o"kZ ds nkSjku] jk"Vªh; vkokl cSad vf/kfu;e] 1987 o"kZ ds nkSjku] jk-vk- cSad fuEufyf[kr lalnh; lfefr dh /kkjk 29d ds rgr 7 vkokl foÙk daifu;ksa dks ds le{k mifLFkr gqvk% iathdj.k çek.ki= fn, x,A ;Fkk 30 twu] 2019 dks jk- vk- cSad ls iath—r vkokl foÙk daifu;ksa • fnukad 17-01-2019 dks gSnjkckn esa v/khuLFk dh dqy la[;k 101 gks xbZA fo/kku dh lalnh; lfefr dk v/;;u nkSjkA

foÙkiks"k.k • fnukad 17-01-2019 ls 22-01-2019 rd xqokgkVh] dksydkrk] iksVZ Cys;j vkSj fo'kk[kkiÙkue esa 'kgjh ?o"kZ ds nkSjku 25]177 djksM+ #i, dk iqufoZRr fodkl ij LFkk;h lfefr dk v/;;u nkSjkA laforj.k fd;k x;kA

• fnukad 28-02-2019 ls 03-03-2019 rd eqacbZ vkSj ?iqufoZÙk xzkgdksa dh lwph esa rhu vkokl foÙk gSnjkckn ds fy, 'kgjh fodkl ij LFkk;h lfefr daifu;ka 'kkfey dh xbZA dk v/;;u nkSjkA

?,uih, Js.kh esa vkxs fcuk fdlh _.k pwd ds iqjLdkj ,oa lEekuvuqekfur 0-43 djksM+ :- dh vutZd vkfLr;ka

olwyh gSA• jk-vk-cSad dh x`g if=dk ^vkokl Hkkjrh* us o"kZ

2017&18 gsrq fnYyh uxj jktHkk"kk dk;kZUo;u ?̂'kwU;* ,u,uih, ¼fuoy vutZd vkfLr½ laLFkku lfefr VkWfyd ls izFke iqjLdkj izkIr fd;kAdh fLFkfr cuk, j[kh xbZA

lao/kZu ,oa fodkl • ^vkokl Hkkjrh* us Ok"kZ 2017&18 gsrq Hkkjrh; fjt+oZ cSad ls Hkh r`rh; iqjLdkj izkIr fd;kA

?,u,pch jsthMsDl & vkokl ewY; lwpdkad vc Ok"kZ 2017&18 ds vk/kkj o"kZ ds lkFk frekgh varjky ij 50 'kgjksa gsrq izdkf'kr dh tkrh gSA

?vkfFkZd :i ls detksj oxZ@fuEu vk; oxZ ¼bZMCY;w,l@,yvkbZth½ ds fy, iz/kkuea=h vkokl ;kstuk& _.k vk/kkfjr lfClMh ;kstuk ¼ih,e,okbZ&lh,y,l,l½ ds rgr 2]77]614 ifjokjksa dks 6]620 djksM+ #- rFkk e/;e vk; oxZ ¼,evkbZth½ ds fy, ih,e,okbZ&lh,y,l,l ds rgr 1]49]207 ifjokjksa dks 3]155 djksM+ #- dh C;kt lfClMh laforfjr dh xbZA

jk-vk-cSad dh bfDoVh 'ks;j iwath 1]450 djksM+ #- gks

fu"ikndrk

2-2 çeq[k eSfVªDl

rqyu&i= eSfVªDl

19

21,847

21,687

22,759

24,921

25,177

2014-15

2015-16

2016-17

2017-18

2018-19

44,737

53,573

54,385

57,684

69,805

2014-15

2015-16

2016-17

2017-18

2018-19

2,951

2,909

1,528

3,645

3,501

2014-15

2015-16

2016-17

2017-18

2018-19

43,859

50,674

48,437

52,686

63,489

2014-15

2015-16

2016-17

2017-18

2018-19

50,285

59,262

58,254

63,273

75,598

2014-15

2015-16

2016-17

2017-18

2018-19

0.50

0.09

0.06

0.01

0.01

2014-15

2015-16

2016-17

2017-18

2018-19

3,860

4,213

4,518

4,430

5,276

2014-15

2015-16

2016-17

2017-18

2018-19

2,688

2,899

2,987

3,103

3,465

2014-15

2015-16

2016-17

2017-18

2018-19

747

792

848

751

733

2014-15

2015-16

2016-17

2017-18

2018-19

16

19

17

19

16

2014-15

2015-16

2016-17

2017-18

2018-19

101

106

117

116

109

2014-15

2015-16

2016-17

2017-18

2018-19

7.39

7.47

7.25

6.48

6.72

2014-15

2015-16

2016-17

2017-18

2018-19

laforj.k ¼djksM+ :-esa½

_.k ,oa vfxze ¼djksM+ :-esa½

fuos'k ¼djksM+ :-esa½

dqy m/kkj ¼djksM+ :-esa½

_.k ,oa vfxze th,uih,¼% esa½

dqy vk; ¼djksM+ :-eas½

ifjpkyu O;; ¼djksM+ :-eas½

dj i'pkr YkkHk

¼djksM+ :-esa½

n{krk eSfVªDl

lhvkj,vkj

¼%esa½

dfeZ;ka dh la[;k izfr dehZ dj i'pkr ykHk¼djksM+ :-esa½

dqy vkfLr;ka ¼djksM+ :-esa½

ykHk ,oa gkfu eSfVªDl


v/;k; 3 vkokl izo`fÙk dk fogaxkoyksdu

ckyduh----- Hkfo"; ds voyksdu dk lqfo/kktud LFkku%vkokl ,oa vFkZO;oLFkk dk fogaxkoyksdu

22

3- vFkZO;oLFkk dk fogaxkoyksdu

Hkkjrh; ifjn`';

;ksxnku yxHkx 1-3% c<+k gS vkSj oSf'od vFkZO;oLFkk esa yxHkx 0-7% c<+k gSA o"kZ 2018 esa bZ,eMhbZ dh thMhih esa Hkkjr dh fgLlsnkjh 8% jghA MCY;wbZvks ds vuqlkj] vizSy 2019 esa Hkkjr vkSj phu dh o`f) vkSj oSf'od vkSj lexz ekbØksbdkWuksfed dh foijhr oSf'od vFkZO;oLFkk esa buds c<+rs ;ksxnku ds dkj.k ifjfLFkfr;ksa ds dkj.k o"kZ 2017&18 esa ldy ?kjyw oSf'od vFkZO;oLFkk dh o`f) vkSj etcwr gksxhA mRikn dh o`f) nj 7-2% ls ?kVdj o"kZ 2018&19 esa bZ,eMhbZ lewg esa phu vkSj Hkkjr fodkl ds izeq[k 6-8% jgus ds ckotwn] Hkkjr nqfu;k esa lcls rsth ls lapkyd gSaA oSf'od vFkZO;oLFkk&[kklrkSj ij oSf'od c<+rh izeq[k vFkZO;oLFkkvksa esa ls ,d FkkA vkfFkZd izxfr izeq[k lapkyd] phu esa vlarqyu gS

Hkkjr oSf'od vFkZO;oLFkkvksa dk oks fgLlk gS ftlds ftlds dkj.k Hkkjr dh Hkwfedk c<+rh tk jgh gSA mUur 3fodkl esa o"kZ 2019 esa fxjkoV dk vuqeku ugha gSA o"kZ vFkZO;oLFkkvksa vkSj mHkjrs cktkj ,oa fodkl'khy

2014&15 ls 2017&18 rd Hkkjr dh vkSlr o`f) nj u vFkZO;oLFkkvksa ¼bZ,eMhbZ½ gsrq 2019 dh oSf'od vkfFkZd dsoy phu ls vf/kd Fkh cfYd vU; 'kh"kZ izeq[k o`f) dks ckWDl 3-1 esa fn;k x;k gSA vFkZO;oLFkkvksa ¼ekStwnk vesfjdh MkWyj 'krksZa ij thMhih ds :i esa ekis x,½ dh rqyuk esa cgqr vf/kd FkhA mHkjrs cktkj ,oa fodkl'khy vFkZO;oLFkkvksa bZ,eMhbZ vkSj fo'o vFkZO;oLFkk ds thMhih esa Hkkjrh; vFkZO;oLFkk dk ;ksxnku fiNys dqN o"kksZa esa fujarj c<+rk jgk gSA ,d n'kd ls de le; esa] bZ,eMhbZ dh thMhih esa Hkkjr dk

4ckWDl 3-1& oSf'od ifjn`';

o"kZ 2019 ds fy, 3-2 izfr'kr dh nj ls oSf'od vkfFkZd o`f) dk vuqeku yxk;k x;k gS tks o"kZ 2020 esa lq/kjdj 3-5 izfr'kr gksus dh laHkkouk gSA o"kZ 2020 esa vuqekfur o`f) egRoiw.kZ rjhds ls dqN dkjdksa ij fuHkZj djrh gS%

• foÙk cktkj Hkko ldkjkRed cuk jgs(

• vLFkkbZ ck/kkvksa esa fujarj fxjkoV] [kklrkSj ij ;wjks {ks= esas(

• dqN rukoxzLr mHkjrh cktkj vFkZO;oLFkkvksa tSls fd vtsZaVhuk vkSj VdhZ esa LFkkbZRo( vkSj

• bZjku vkSj osustq,yk tSlh vU; vFkZO;oLFkkvksa esa Hkh rsth ls fxjkoV ls cpkoA

o"kZ 2019 dh rqyuk esa 2020 gsrq oSf'od o`f) vuqeku esa c<+ksÙkjh dk yxHkx 70 izfr'kr rukoxzLr vFkZO;oLFkkvksa esa LFkkbZRo ;k lq/kkj ij fuHkZj djrk gSA tcfd] ;s dkjd vuqdwy oSf'od uhfr i`"BHkwfe ij fuHkZj djrs gSa tks lqfuf'pr djrk gS fd dsanzh; cSadksa dk >qdko vkSj phu esa izksRlkgu uhfr dk fuekZ.k O;kikfjd ruko esa o`f) vkSj vO;ofLFkfr czsfDtV ds dkj.k ean ugha iM+sxkA

mUur vFkZO;oLFkkvksa gsrq o"kZ 2019 esa 1-9 izfr'kr vkSj o"kZ 2020 esa 1-7 izfr'kr o`f) dk vuqeku gSA

3 vkbZ,e,Q&oSf'od vkfFkZd ifjn`'; viMsV vizSy 2019 4 vkbZ,e,Q&oSf'od vkfFkZd ifjn`'; viMsV tqykbZ 2019

vkokl izo`fÙk dk fogaxkoyksdu

23

• la;qDr jkT; esa] 2019 esa o`f) nj 2-6 izfr'kr jgus dh mEehn gS tksfd o"kZ 2020 esa jktdks"kh; izksRlkgu de gks tkus ds dkj.k 1-9 izfr'kr jgus dh mEehn gSA 2019 dh o`f) esa la'kks/ku izR;k'kk ls vf/kd etcwr igyh frekgh ds izn'kZu dks n'kkZrk gSA gkykafd etcwr fu;kZr vkSj LVkWd lap; dh i`"BHkwfe esa la[;k etcwr Fkh ysfdu ?kjsyw ekax vis{kk ls de Fkh vkSj vk;kr Hkh detksj jgk tks vkaf'kd rkSj ij VSfjQ ds izHkko dks n'kkZrk gSA ;s fodkl 'ks"k cps o"kZ esa /kheh xfr dh vksj b'kkjk djrk gSA

• ;wjks esa o"kZ 2019 esa 1-3 izfr'kr vkSj o"kZ 2020 esa 1-6 izfr'kr o`f) dk vuqeku yxk;k x;k gSA o"kZ ds 'kq:vkr esa etcwr fuos'k vkSj detksj vk;kr dks ns[krs gq, teZuh ds fy, o"kZ 2019 ds vuqeku dks la'kksf/kr dj FkksM+k de dj fn;k x;k gSS tcfd Ýkal ds fy, blesa dksbZ cnyko ugha fd;k x;k gSA Lisu ds fy, o"kZ 2019 ds vuqeku dks la'kksf/kr dj FkksM+k vf/kd dj fn;k x;k gSA ckgjh ekax esa lq/kkj vkSj vLFkkbZ dkjdksa ds fujarj lekIr gksus ds dkj.k bl o"kZ ds 'ks"k le; ds fy, ;wjks {ks= dh o`f) c<+us dk vuqeku gSA

• ;wukbVsM fdaxMe ds o"kZ 2019 esa 1-3 izfr'kr vkSj o"kZ 2020 esa 1-4 izfr'kr dh nj ls c<+us dh rS;kjh esa gSA o`f) esa lq/kkj cszfDtV&iwoZ LVkWd lap;u vkSj LVkWdfifyax ds }kjk c<+k, x, igyh frekgh ds mRiknu ds dkj.k vuqeku ls vf/kd etcwr fn[krk gSA iqokZuqeku esa O;ofLFkr rjhds ls czsfDtV ds ckn Øfed ifjorZu ds lkFk u;h voLFkk esa tkus dh laHkkouk gSA

• tkiku dh vFkZO;oLFkk o"kZ 2019 esa 0-9 izfr'kr dh nj ls c<+us dh rS;kjh esa gSA etcwr igyh frekgh dh thMhih LVkWd lap;u vkSj vk;kr esa deh ds dj.k fuoy fu;kZr esa vk;h o`gr c<+ksrjh n'kkZrh gS fodklesa vfLFkjrk dks djus dh mEehn gsrq jktdks"kh; mik; ds lkFk o"kZ 2020 esa o`f) 0-4 izfr'kr ij fxjus dk vuqeku gSA

mHkjrs cktkj vkSj fodkl'khy vkfFkZd lewg ds o"kZ 2019 esa 4-1 izfr'kr vkSj o"kZ 2020 esa 4-7 izfr'kr dh nj ls o`f) dk vuqeku yxk;k x;k gSA

• mHkjrk vkSj fodkl'khy ,f'k;k ds o"kZ 2019&20 esa 6-2 izfr'kr dh nj ls fodkl djus dh laHkkouk gSA nksuksa o"kksZa ds fy, iwokZuqeku 0-1 izfr'kr de gS] tks O;kid rkSj ij O;kikj vkSj fuos'k ij VSfjQ ds izHkko dks n'kkZrk gSA phu esa] c<+rh VSfjQ vkSj detksj gksrh ckgjh ekax ds udkjkRed izHkko us bl vFkZO;oLFkk ij vkSj ncko Mky fn;k gS tks igys ls gh dtZ ij mPp fuHkZjrk ij yxke ykxus ds fy, lajpukRed eanh vkSj t:jh fofu;ked etcwrh ds chp esa gSA foijhr ckgjh >Vds ds lkeus xfrfof/k dks lgk;rk iznku djus gsrq visf{kr uhfr izksRlkgu ds lkFk o"kZ 2019 esa 6-2 izfr'kr vkSj o"kZ 2020 esa 6-0 izfr'kr o`f) dk iwokZuqeku gS vFkkZr nksuksa o"kksZa ds fy, vis{kk ls 0-1 izfr'kr deA Hkkjr dh vFkZO;oLFkk o"kZ 2019 esa 7-0 vkSj o"kZ 2020 esa 7-2 izfr'kr dh nj ls c<+us dh rS;kjh esa gSA nksuksa o"kksZa ds fy, 0-3 izfr'kr fcanq dh fxjkoV la'kks/ku detksj ?kjsyw ekax dks n'kkZrk gSA

• nf{k.k ,f'k;kbZ ns'k% o"kZ 2019 esa 7 izfr'kr dh o`f) ds lkFk nf{k.k ,f'k;k us fo'o esa lcls rsth ls c<+rs {ks= dk LFkku cuk, j[kk gS ysfdu bl {ks= ds ns'kksa dks mPPk o`f) Lrj dks cuk, j[kus vkSj vius iw.kZ vkfFkZd {kerk ij igqapus ds fy, vius fu;kZr dks c<+kus dh t:jr gSA bl {ks= dh o`f) eq[;rkSj ij ?kjsyw ekax ij pyrh gS ftlds QyLo:i vk;kr c<+k gS vkSj fu;kZr ihNs NwV x;k gS] O;kikj varj vkSj pkyw [kkrk ?kkVk vkSj c<+k gS vkSj dqN ns'kksa esa eqnzk dk voewY;u 'kq: gqvk gSA yacs le; ds fy, o`f) dks lqfuf'pr djus gsrq ,dhdj.k dh t:jr gSA o`f) dks izksRlkfgr djus gsrq visf{kr iz;klksa esa O;kikj mnkjhdj.k vkSj m|e'khyrk dks c<+kok nsuk 'kkfey gSA


24

vkfFkZd losZ{k.k 2018&19 pkyw [kkrk ?kkVk 2-6 izfr'kr FkkA vkbZ,e,Q us o"kZ 2019 vkSj 2020 esa Hkkjr ds fy, /kheh o`f) nj dk

Hkkjr ljdkj ds vkfFkZd losZ{k.k 2018&19 ds vuqlkj vuqeku yxk;k gS ftls nksuksa o"kksZa ds fy, 0-3 izfr'kr foÙk o"kZ 2020 esa 7 izfr'kr o`f) nj dh laHkkouk gSA deh dk la'kks/ku fd;k x;k x;k] thMhih ds Øe'k% 7 ?kjsyw vkSj ckgjh nksuksa ekax esa deh dks /;ku esa j[krs gq, izfr'kr vkSj 7-2 izfr'kr dh nj ls c<+us dh laHkkouk gS vxLr] 2019 esa Hkkjrh; fjtoZ cSad dh ekSfnzd uhfr tks vis{kk ls detksj ?kjsyw ekax dks n'kkZrk gSA o"kZ lfefr ¼,eihlh½ us o"kZ 2019&20 ds fy, Hkkjr dh ewy 2018&19 esa lkof/k fuos'k nj esa c<+ksÙkjh FkhA thMhih o`f) ds vuqeku dks la'ksf/kr dj 7 izfr'kr jktdks"kh; fLFkfr vuqdwy cuh gqbZ gS vkSj lkoZtfud ¼twu 2019 esa vk;ksftr ,eihlh cSBd esa vuqekfur½ ls _.k dks uhps ykus ds fy, lesdu izfØ;k fujarj tkjh ?kVkdj 6-9 izfr'kr dj fn;kA o`f) dh xfr esa ;g gSA miHkksDrk ewY; eqnzkLQhfr Hkk-fj-cSad dh ekSfnzd fxjkoV eq[;rkSj ij d`f"k vkSj lac)] O;kikj] gksVy] uhfr lfefr }kjk fu/kkZfjr yf{kr lhekvksa ds Hkhrj gSA ifjogu] HkaMkj.k] lapkj vkSj izlkj.k laca/kh lsokvksa vkSj pkyw [kkrk ?kkVk o"kZ 2017&18 esa thMhih ds 1-9 yksd iz'kklu ,oa j{kk {ks= esa de o`f) ds dkj.k gqbZ gSA izfr'kr ls c<+dj vizSy&fnlacj] 2018 esa 2-4 izfr'kr ekax i{k esa] o"kZ 2018&19 esa thMhih dh de o`f) gks x;k gSA ljdkjh miHkksx dh o`f) esa deh] LVkWd esa cnyko vkSj ewY;eku de gksus ds dkj.k gqbZA LFkkbZ fuos'k esa O;kikj djus esa vklkuh vkSj ldy ,QMhvkbZ varokZg c<+ksÙkjh o"kZ 2016&17 ds 8-3 izfr'kr ls c<+dj o"kZ esa lq/kkj tSls ladsrdksa ls Hkkjrh; vFkZO;oLFkk ij 2017&18 esa 9-3 izfr'kr vkSj vkxs o"kZ 2018&19 esa 10-0 oSf'od fo'okl esa lq/kkj gqvk gSA fo'o cSad ds bt vkWQ izfr'kr gks xbZA Mwbax fctusl 2019 fjiksVZ ds vuqlkj Hkkjr dh jSfdax

esa 23 vadksa dk lq/kkj gqvk gS vkSj 2018 esa Hkkjr 77osa Hkkjr us eqnzkLQhfr dks 4 izfr'kr ds Hkhrj cuk, j[kdj LFkku ij gSA vFkZO;oLFkk ds e/;kof/k o`f) iwokZuqeku vkSj thMhih ds vuqikr esa pkyw [kkrk ?kkVk dks lguh; fiNys dqN o"kksZa esa 'kq: fd, x, egRoiw.kZ lajpukRed fLFkfr esa ykdj vius eSØksbdkWuksfed fLFkjrk dks cuk, lq/kkjksa ds dkj.k ldkjkRed gSaA vkfFkZd losZ{k.k j[kkA o"kZ 2018&19 esa dsanz ljdkj dk jktdks"kh; ?kkVk 2018&19 dk lkj ckWDl 3-2 esa fn;k x;k gSA thMhih dk 3-4 izfr'kr gSA vizSy&fnlacj] 2018 esa


25

ckWDl 3-2& vkfFkZd losZ{k.k 2018&19

vkfFkZd losZ{k.k 2018&19 us foÙk o"kZ 2019 esa 6-8 izfr'kr dh o`f) nj dh rqyuk esa foÙk o"kZ 2020 esa 7 izfr'kr o`f) nj vuqeku yxk;k gSA ?kjsyw vkSj ckgjh nksuksa ekax esa deh dks /;ku esa j[krs gq, vxLr] 2019 esa Hkkjrh; fjtoZ cSad dh ekSfnzd uhfr lfefr ¼,eihlh½ us o"kZ 2019&20 ds fy, Hkkjr dh okLrfod thMhih dh o`f) nj ds vuqeku dks la'kksf/kr dj 7 izfr'kr ¼twu 2019 esa vk;ksftr ,eihlh cSBd esa vuqekfur½ ls ?kVkdj 6-9 izfr'kr dj fn;kA ewy thMhih o`f) 2019&20 dh igyh Nekgh esa 5-8 ls 6-6 izfr'kr ds chp vkSj nwljh Nekgh esa 7-3 ls 7-5 izfr'kr ds chp jgus dh laHkkouk trkbZ xbZ gS tksfd tksf[keksa ds lkFk dqN gn rd uhps dh vksj gSA

jktdks"kh; ?kkVk%

• foÙk o"kZ 2018&19 esa jktdks"kh; ?kkVk thMhih ds 3-4 izfr'kr vkSj thMhih ds lkis{k _.k ds 44-5 izfr'kr ¼vuafre½ ds lkFk lekIr gqbZA

• dqy dsanz ljdkj ds O;; esa 2017&18 dh rqyuk esa 2018&19 esa thMhih ds 0-3 izfr'kr dh deh vkbZA

• foÙk o"kZ 2020&21 rd thMhih dk 3 izfr'kr jktdks"kh; ?kkVk vkSj dsanz ljdkj dk _.k foÙk o"kZ 2024&25 rd thMhih dk 40 izfr'kr djus ds y{; dks izkIr djuk gSA

thMhih o`f)%

• o"kZ 2019&20 gsrq thMhih dh vuqekfur o`f) nj 7 izfr'kr gSA

• o"kZ 2017&18 dh 7-2 izfr'kr dh rqyuk esa o"kZ 2018&19 esa thMhih o`f) nj 6-8 izfr'kr jghA

• foÙk o"kZ 2017&18 esa ewy dherksa ij thoh, o`f) nj 6-1 izfr'kr jgus dh laHkkouk gSA

eqnzkLQhfr vkSj ekSfnzd uhfr%

• 2018&19 esa miHkksDrk ewY; lwpdkad ¼lhihvkbZ½ }kjk ekih xbZ vkSlr [kqnjk eqnzkLQhfr 3-4 izfr'kr ns[kh xbZA

• vkSlr Fkksd ewY; lwpdkad ¼MCY;wihvkbZ½ eqnzkQLQhfr 2017&18 dh 3-0 izfr'kr dh rqyuk esa 2018&19 esa 4-3 izfr'kr ns[kh xbZA


vkokl foÙk uhps xzkQ esa thMhih ds lkis{k cdk;k oS;fDrd vkokl _.k ds c<+rs izfr'kr dks n'kkZ;k x;k gSA

thMhih ds izfr'kr ds rkSj ij vkokl foÙk dh o`f) ns'k esa vkokl foÙk {ks= dh xgjkbZ ds fo'ys"k.k djus dk ,d gkykafd vkokl foÙk {ks= esa o"kZ 2018&19 ds nkSjku vPNk mik; gSA ljdkj dh Li"V lfØ; mik; ,oa lexz vkfFkZd ifjn`'; ds i`"BHkwfe esa c`f) esa gYdh o`f) fofHkUu vU; mik;ksa ls thMhih esa oS;fDrd vkokl _.k ns[kh xbZ ysfdu fQj Hkh lkoZtfud {ks= ds cSadksa vkSj ¼cktkj ewY;½ dh lexz fgLlsnkjh o"kZ 2010&11 ds 6-6 vkokl foÙk daifu;ksa dk oS;fDrd vkokl _.k izfr'kr ls c<+dj 2018&19 esa 9-6 izfr'kr rd c<+ xbZ laforj.k igyh ckj 4-5 yk[k djksM+ :i, dks ikj dj gSA blesa vk-fo-da- dh o`f) vkSj ;ksxnku ljkguh; jgh x;kA rkfydkokj vkadMs+a vuqca/k&I esa miYkC/k gSaAgSA lrr ,sfrgkfld fodkl ds vuq:i] cktkj dh orZeku xfr'khyrk ds ckotwn] ge lexz vkokl foÙk m|ksx ds fy, e/;e vof/k esa ekewyh o`f) dh mEehn dj ldrs gSaA

vkokl {ks= dks izksRlkfgr djus gsrq ljdkjh x;k Fkk vkSj ;g 31 ekpZ] 2022 rd dk;kZfUor jgsxhA mik; ^^o"kZ 2022 rd lcds fy, vkokl** dks nks izeq[k Jsf.k;ksa

uker% iz/kkuea=h vkokl ;kstuk ¼'kgjh½ vkSj iz/kkuea=h ^^o"kZ 2022 rd lcds fy, vkokl** fe'ku ds varxZr vkokl ;kstuk ¼xzkeh.k½ ds varxZr dk;kZfUor fd;k iz/kkuea=h vkokl ;kstuk Hkkjr ljdkj dh ,d izeq[k x;k gSA igy gSA bl ;kstuk dk vkjaHk 17 twu] 2015 dks fd;k

26

cSadksa vkSj vkokl foÙk daifu;ksa dk cdk;k oS;fDrd vkokl _.k

cSadksa vkSj vkokl foÙk daifu;ksa dk cdk;k oS;fDrd vkokl _.k ¼? djksM+ esa½thMhih ds lkis{k cSadksa vkSj vkokl foÙk daifu;ksa dk cdk;k oS;fDrd vkokl _.k ¼% esa½


ljdkj us varfje ctV vkSj dsanzh; ctV 2019&20 • fdjk;k vkokl dks izksRlkfgr djus gsrq lq/kkj ¼ckWDl 3-3½ esa fofHkUu mik;ksa dh ?kks"k.kk dj vkokl {ks= dne mBk, x, gSaA rnuqlkj vkoklu ,oa 'kgjh dh fn'kk esa viuk tksj nsuk tkjh j[kk gSA ctVh; dk;Z ea=ky; us fnukad 11 tqykbZ 2019 dks ?kks"k.kk esa 'kkfey gSa% izk:i ekWMy fdjk;k vkokl vf/kfu;e tkjh dh

ftlesa edku ekfyd vkSj fdjk,nkj nksuksa ds • nwljs Lo&LokfeRo okys ?kj ij dfYir fdjk, ij fgrksa ,oa vf/kdkjksa dks larqfyr djus vkSj

dj esa NwVA vuq'kkflr ,oa n{k rjhds ls ifjljksa dks fdjk, ij nsus gsrq mÙkjnk;h vkSj ikjn'khZ ikfjfLFkfrdh

• vk;dj vf/kfu;e dh /kkjk 54 ds rgr iwathxr ra= rS;kj djus dh ifjdYiuk dh xbZ gSA

ykHk ds iqufuZos'k ij feyus okyh NwV dk nk;jk 2 djksM+ : rd ds iwathxr ykHk vftZr djus • ØsfMV xkjaVh bugSa'kesaV dkWjiksjs'ku dh LFkkiuk okys djnkrkksa ds fy, d, vkoklh; edku ls nks ,d vU; izeq[k ?kks"k.kk gSA ;g volajpuk {ks= esa vkoklh; edku esa iqufuZos'k rd c<+k;k x;kA fuf/k;ksa dh miyC/krk esa lgk;rk djsxk vkSj ;g NwV thou&dky esa ,d gh ckj izkIr dh tk fdQk;rh vkokl gsrq fuEu ykxr nh?kkZof/k foÙk ldsxhA dh miyC/krk Hkh lqfuf'pr djsxkA

• fdQk;rh vkokl ds varxZr vkSj vf/kd vkokl • blds vfrfjDr] o"kZ 2018&19 ds nkSjku dh miyC/krk dks c<+kus gsrq vk;dj vf/kfu;e ,uch,Qlh lsDVj esa mFky&iqFky dks ns[krs gq, dh /kkjk 80&>[kd ds rgr fn, tkus okys ykHk Hkkjr ljdkj us lkoZtfud {ks= ds cSadksa ls foÙk dh vof/k ,d o"kZ rd vkSj c<+kbZ xbZ vFkkZr ;g iks"k.k gsrq ,uch,Qlh dh igqap ij leFkZu iznku ykHk vc 31 ekpZ] 2020 rd vuqeksfnr vkoklh; djus gsrq foÙkh; :i ls etcwr ,uch,Qlh@vk-ifj;kstukvksa gsrqA fo-da- ls 1 Vªhfy;u :i, jkf'k rd dh mPp jsV

okys iwy vkfLr;ksa dh [kjhn gsrq lkoZtfud {ks= • ugha fcdh laifÙk;ksa ds dfYir fdjk, ij dj dh

ds cSadksa dks 10 izfr'kr rd igyh gkfu gsrq NwV dh vof/k ifj;kstuk iwjh gksus okys o"kZ ds

ou&Vkbe vkaf'kd ØsfMV xkjaVh iznku djus gsrq var ls ,d c<+kdj nks o"kZ dj fn;k x;k gSA

,d ;kstuk cukbZ gSA

• 45 yk[k :i, rd ds ewY; ds fdQk;rh vkokl ds [kjhn gsrq 31 ekpZ] 2020 rd fy, x, _.kksa ij ns; C;kt gsrq 1-50 yk[k :i, rd vfrfjDr NwV dk izLrko fd;k x;k gSA

27


5ckWDl 3-3& dsanzh; ctV 2019&20

volajpuk

• volajpuk foÙk iks"k.k gsrq iawth ds lzksrksa ds foLrkj gsrq mik; fuEu gSa%

i. o"kZ 2019&2020 esa ØsfMV xkjaVh bugSa'kesaV dkWjiksjs'ku dh LFkkiuk dh tkuh gS ¼fdQk;rh vkokl vuqdwyhdj.k lwph dk ,d fgLlk rS;kj djrk gS½

ii. voljapuk ij /;ku dsanz.k lfgr nh?kkZof/k ckW.M gsrq cktkj dks etcwr cukus ds fy, dk;Z ;kstuk cukbZ tkuh pkfg, vkSj

iii. volajpuk _.k dks"k&xSj cSafdax foÙkh; daiuh ¼vkbZMh,Q&,uch,Qlh½ }kjk tkjh _.k izfrHkwfr;ksa esa ,QvkbZvkbZ@,QihvkbZ }kjk fd, x, fuos'k dks fof'k"V ykWd&bu ihfj;M ds Hkhrj fdlh ?kjsyw fuos'kd dks varfjr djus@cspus dh vuqefrA

• vxys ikap o"kksZa esa volajpuk {ks= esa 100 yk[k djksM+ :i, ds fuos'k dk bjknk gSA fodkl foÙk laLFkkuksa ds ek/;e ls fuf/k;ksa dh lajpuk vkSj visf{kr izokg dh vuq'kalk gsrq ,d lfefr ds xBu dk izLrko fd;k x;k gSA

vkokl

• fdjk;k vkokl dks izksRlkfgr djus gsrq lq/kkj ds dne mBk, tk,axsA

• ,d ekWMy fdjk;k dkuwu dks vafre :i fn;k tk,xk vkSj jkT;ksa dks izsf"kr fd;k tk,xkA

• dsanz ljdkj vkSj lhih,lbZ }kjk /kkfjr Hkwfe [kaMksa ij lkoZtfud volajpuk vkSj fdQk;rh vkokl gsrq la;qDr fodkl ,oa fj;k;r fØ;kfof/k dk mi;ksx fd;k tk,xkA

• ih,e,okbZ&th ds varxZr fiNys ikap o"kksZa esa dqy 1-54 djksM+ xzkeh.k vkokl cudj rS;kj gq, gSaA o"kZ 2019&20 ls 2021&22 ds nkSjku ih,e,okbZ ds nwljs pj.k esa ik= ykHkkfFkZ;ksa dks 1-95 djksM+ vkokl iznku djus dk izLrko gSA

• ih,e,okbZ&'kgjh ds varxZr] yxHkx 4-83 yk[k djksM+ ds fuos'k ds lkFk 81 yk[k ls vf/kd vkoklksa dks Lohd`fr nh xbZ ftlesa ls yxHkx 47 yk[k vkoklksa esa fuekZ.k dk;Z vkjaHk gks pqdk gSA

5 dsanzh; ctV] 2019&20] foÙk ea=ky;] Hkkjr ljdkj

28


,uch,Qlh

• orZeku foÙk o"kZ ds nkSjku dqy 1 yk[k djksM+ :i, jkf'k ds foÙkh; rkSj ij etcwr ,uch,Qlh ds mPp Js.kh ds iwy vkfLr;ksa dh [kjhn gsrq ljdkj 10 izfr'kr dh igyh gkfu gsrq lkoZtfud {ks= ds cSadksa dks Ng ekg dh ou Vkbe vkaf'kd ØsfMV xkjaVh miyC/k djk,xhA

• ,uch,Qlh ds Åij Hkk-fj-cSad dh fofu;ked izkf/kdkj dks etcwr djus gsrq mi;qDr izLrko foÙk fcy esa izLrqr fd, x, gSaA

• jk-vk-cSad ls vkokl foÙk daifu;ksa ij fofu;eu izkf/kdkj dks Hkk-fj-cSad dks ykSVkus dk izLrko gSA

• ifCyd bZ';w esa fuf/k mxkgh gsrq ,uch,Qlh dks vuqefr iznku djus gsrq Mhvkjvkj rS;kj djus dh vko';drk dks nwj fd;k tk,xkA

• tek jkf'k Lohdkj djus okyh ds lkFk&lkFk iz.kkyhxr rkSj ij egRoiw.kZ tek Lohdkj ugha djus okyh ,uch,Qlh ds }kjk lk[k Mwacr ;k lanfX/k _.k ds C;kt ij bl o"kZ dj yxk;k tk,xk ftlesa vly esa C;kt izkIr fd, x, gSaA

Hkk-fj-cSad us fnukad 29 uoacj] 2018 dh viuh izfr/kkj.k t:jr izfrHkwfrd`r@lequnsf'kr fd, tkus vf/klwpuk ds ek/;e ls vk-fo-da- lfgr ,uch,Qlh okys _.kksa dh cgh ewY; dk 20 izfr'kr fu/kkZfjr fd;k }kjk lkeuk fd, x, udnh dh deh dks vklku cukus x;k FkkA rnuqlkj] Hkk-fj-cSad us fnukad 29 ebZ] 2019 ds ds Øe esa muds _.k cgh ds izfrHkwfrdj.k gsrq vk-fo-da vius ifji= ds ek/;e ls bl NwV dks 31 fnlacj] 2019 lfgr ,uch,Qlh gsrq 'krksZa esa NwV nhA izorZd rd c<+k fn;kA ,uch,Qlh gsrq U;wre /kkfjrk vof/k t:jr dks 5 o"kZ

fdQk;rh vkokl dh etcwr ekax] ljdkj }kjk ?kksf"kr ls vf/kd ds ewy ifjiDork ds _.kksa ds laca/k esa iwoZ ds mik; vkSj ekax dh mNky dh i`"BHkwfe esa ge mEehn ,d lky ls ?kVkdj Ng ekg dj fn;k x;kA ,sls djrs gSa fd vkokl foÙk cktkj lexz vkfFkZd fodkl esa izfrHkwfrdj.k@lequns'ku ysu&nsuksa gsrq U;wure LoLFk o`f) vkSj ;ksxnku nsxkA

29

v/;k; 4 ifjpkyu


v/;k; 4 ifjpkyu

jlksbZ---- pqukSfr;ksa dk lq[kn ifj.kke%ifjpkyu ij v/;k;

4-1-1 lalk/ku laxzg.k nkSjku tqVk, fuoy lalk/kuksa dk fy[kr&okj fooj.k n'kkZ;k x;k gSA fofHkUu fy[krksa ds }kjk

foÙk o"kZ 2018&19 ds nkSjku] cSad us fuoy laxzfgr jkf'k vuqca/k &II esa nh xbZ gSAo`f)'khy lalk/kuksa dk dqy laxzg.k 21]852 djksM+ :Ik;s dk fd;kA pkVZ 4-1 esa o"kZ ds

4- ifjpkyu4-1lalk/ku laxzg.k

xzkeh.k vkokl fuf/k ¼vkj,p,Q½ ds rgr tek okf.kfT;d cSad ¼,llhch½ }kjk va'knku dh tkus okyh fuf/k;ksa dh ek=k vkSj ml ij C;kt nj dk fu/kkZj.k

o"kZ 2008&09 esa ¼jk-vk-cSad esa½ xzkeh.k vkokl fuf/k fjtoZ cSad }kjk lacaf/kr vuqlwfpr okf.kfT;d cSad ¼vkj,p,Q½ dh LFkkiuk dh xbZ Fkh rkfd izkFkfed ¼,llhch½ esa izkFkfedrk {ks= esa deh ds vk/kkj ij fd;k _.knkrk laLFkku ¼ih,yvkbZ½ xzkeh.k {ks=ksa esa yf{kr x;kA xzkeh.k vkokl fuf/k ¼vkj,p,Q½ ds rgr tekvksa oxksZa dks lLrh njksa ij vkokl foÙk iznku djus ds fy;s dh vof/k lkr o"kZ gSA LFkkiuk gksus ls vc rd] xzkeh.k fuf/k;ka miyC/k dj ldsaA xzkeh.k vkokl fuf/k vkokl fuf/k ¼vkj,p,Q½ ds rgr dqy jkf'k 31]278 ¼vkj,p,Q½ dh ewy fuf/k esa vuqlwfpr okf.kT; cSadksa djksM+ :Ik;s izkIr gqbZA ;Fkk 30 twu] 2019 dks xzkeh.k ¼,llhch½ }kjk vius izkFkfedrk lsDVj esa _.k nsus esa vkokl fuf/k ¼vkj,p,Q½ ds varxZr dqy cdk;k gqbZ deh ls ;ksxnku fd;k x;kA izR;sd vuqlwfpr 22]500 djksM+ :- gSA 'kgjh vkokl fuf/k ds rgr tek

32

pkVZ 4-1 & laxzfgr fuoy lalk/ku ¼%esa½

& dj ;ksX; ckW.M

& okf.kfT;d i=

& vYikof/k _.k

& ,,p,Q d s vra xrZ tek jkf'k;ka

& fons'kh m/kkj

ifjpkyu

33

'kgjh vkokl fuf/k ds rgr tek ¼;w,p,Q½ ifjpkyuksa esa lgk;rk djuk gksxkA o"kZ 2019&20 gsrq] fdQk;rh vkokl fuf/k ¼,,p,Q½ ds varxZr 10]000

o"kZ 2013&14 esas ¼jk-vk-cSad esa½ 'kgjh vkokl fuf/k djksM+ :i, dh jkf'k dk vkcaVu fd;k x;k gSA ;Fkk 30 ¼;w,p,Q½ LFkkiuk dh xbZ Fkh rkfd izkFkfed _.knkrk twu] 2019 rd fdQk;rh vkokl fuf/k ¼,,p,Q½ ds laLFkku ¼ih,yvkbZ½ 'kgjh {ks=ksa esa yf{kr oxksZa dks lLrh varxZr izkIr dqy jkf'k 7]500 djksM+ :- gSA njksa ij vkokl foÙk iznku djus ds fy;s fuf/k;ka izkIr dj ldsaA 'kgjh vkokl fuf/k ¼;w,p,Q½ dh ewy fuf/k esa fons'kh m/kkj ¼,,QMh _.k½% vuqlwfpr okf.kT; cSadksa }kjk vius izkFkfedrk {ks= esa

cksMZ us viuh 127oha cSBd ¼ fnukad 18 tqykbZ] 2017½ esa _.k deh ls va'knku fd;k x;kA izR;sd vuqlwfpr 100 fefy;u ;wjks dk m/kkj vkSj 12 fefy;u vuqnku okf.kfT;d cSad ¼,llhch½ }kjk va'knku dh tkus okyh ftlesa C;kt ykxr dks ?kVkus ds fy, 9 fefy;u ;wjks fuf/k;ksa dh ek=k vkSj ml ij C;kt nj dk fu/kkZj.k vkSj fjgk;'kh {ks= esa izkd`frd lalk/ku ,oa ÅtkZ dsanz fjtoZ cSad }kjk lacaf/kr vuqlwfpr okf.kfT;d cSad dk lrr mi;ksx@lLVuscy ;wt vkWQ uspqjy ¼,llhch½ esa izkFkfedrk lsDVj esa deh ds vk/kkj ij fjlkslsZt ,aM ,uthZ QSflfyVh bu n jsthMsafl;y fd;k x;kA 'kgjh vkokl fuf/k ¼;w,p,Q½ ds rgr lsDVj ¼lujsQ½ ds varxZr ,,QMh] Ýkal ls ,u,pch tekvksa dh vof/k lkr o"kZ gSA LFkkiuk gksus ls vc rd] lujsQ vkoklh; dk;ZØe esa rduhdh lgk;rk gsrq 'kgjh vkokl fuf/k ¼;w,p,Q½ ds rgr dqy jkf'k ijke'kZ 'kqYd ds izfriwfrZ gsrq 3 fefy;u ;wjks 'kkfey gS] 10]500 djksM+ :Ik;s izkIr gqbZA ;Fkk 30 twu] 2019 dks dks vuqeksfnr fd;kA o"kZ 2018&19 ds nkSjku] cSad us 'kgjh vkokl fuf/k ¼;w,p,Q½ ds varxZr dqy cdk;k 100 fefy;u ;wjks dh iwjh _.k O;oLFkk vkSj 9 fefy;u 10]500 djksM+ :- gSA;wjks dk vuqnku vkgfjr dj fy;kA ,u,pch&lujsQ

fdQk;rh vkokl fuf/k ds rgr tek ¼,,p,Q½ vkoklh; dk;ZØe dh rduhdh lgk;rk ds dk;kZUo;u ds izHkkj esa ijke'kZ daiuh ds rkSj ij fØfly dks ukfer

ekuuh; foÙk ea=h us dsUnz ljdkj ds ctV Hkk"k.k fd;k x;kA 2018&19 esa jk-vk-cSad esa lefiZr fdQk;rh vkokl fuf/k ¼,,p,Q½ LFkkiuk djus dh ?kks"k.kk dh] izkFkfedrk {ks= esa _.k deh ls foÙkiksf"kr vkSj Hkkjr

pkVZ 4-2 esa ;Fkk 30 twu] 2019 dks jk-vk-cSad dh cdk;k ljdkj }kjk izkf/kd`r iwjh rjg Ø; foØ; gksus okys _.k jkf'k 63]500 djksM+ :Ik;s dk fy[kr&okj fooj.k ck.Mksa ls fuf/k;u fd;k x;kA fdQk;rh vkokl fuf/k n'kkZ;k x;k gSA fofHkUu fy[krksa ds rgr cdk;k jkf'k ¼,,p,Q½ ewy fuf/k esa vuqlwfpr okf.kfT;d cSad vuqca/k&III esa nh xbZ gSA¼,llhch½ }kjk va'knku fd;k tk,xk ftu ij

izkFkfedrk {ks= ds y{;ksa@mi y{;ksa dks izkIr djus esa deh jgh gSA bl fdQk;rh vkokl fuf/k ¼,,p,Q½ dk iz;kstu xzkeh.k rFkk 'kgjh {ks=ksa esa yf{kr oxksZa ds fdQk;rh vkokl ds fy;s jk-vk-cSad ds iqufoZÙk iks"k.k

4-1-2 cdk;k _.k


34

4-2 iqufoZÙk

4-2-1

4-2-2

• vkUrfjd ØsfMV jsfVax ekWMy ¼vkbZlhvkj,e½ dh LFkkiuk(

jk-vk-cSad }kjk o"kZ 1989 esa izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ ds fy, iqufoZÙk lqfo/kk 'kq: dh • cgqeq[kh C;kt nj ds fodYi tSls fLFkj] vfLFkj] xbZA izkjafHkd o"kksZa ds nkSjku vkokl foÙk laLFkkuksa rFkk ifjiDork vk/kkfjr(vuqlwfpr cSadksa ds fy, vyx&vyx iqufoZÙk ;kstuk,a cukbZ xbZ Fkha ftuesa cktkj ds fofHkUu i.k/kkjdksa ls • Hkkoh laforj.kksa ds fy;s iqufoZÙk lgk;rk( izkIr tkudkjh ds vk/kkj ij vusd la'kks/ku fd;s x;sA iqufoZÙk laforj.k esa cktkj lacaf/kr i{kksa ds fgr esa • ,dy foaMks ds rgr yf{kr oxksaZ dks C;kt nj esa dkjZokbZ gksus vkSj i.k/kkjdksa dh t:jrksa ds vuqlkj fj;k;r( oxZokj dkjZokbZ ls yxkrkj o`f) ns[kh xbZA

• _.k nsus dh C;kt nj dSi ds lkFk lLrh njksa ij o"kZ 2003 esa] jk-vk-cSad us vkokl foÙk daifu;ksa

fof'k"V fj;k;rh fuf/k;ksa ds rgr iqufoZÙk tSls vkSj vuqlwfpr cSadksa ds fy, ,d lesfdr mRikn ;Fkk

xzkeh.k vkokl fuf/k ¼vkj,p,Q½ vkSj 'kgjh mnkjhd`r iqufoZÙk ;kstuk ¼,yvkj,l½ ftlesa

vkokl fuf/k ¼;w,p,Q½A fcYV&bu tksf[ke ra= rFkk mlds ewY;u dh O;oLFkk gS] izkjaHk djus dh ?kks"k.kk dhA foxr o"kksZa ds nkSjku ,yvkj,l esa la'kks/ku gksus ds ckn vc ;g vf/kd mi;ksxh gks xbZ gSA ,yvkj,l dh eq[; fo’ks”krk,a bl izdkj gSa &

pkVZ 4-2 & lalk/ku cdk;k ¼%esa½

& fons'kh m/kkj

& xzkeh.k vkokl fuf/k

& 'kgjh vkokl fuf/k

& fdQk;rh vkokl fuf/k

& vU; ckW.M

& dj eqDr ckW.M

& vYikof/k _.k

& okf.kfT;d i=

& VhvkjbZih

ifjpkyu

35

4-2-3 4-2-5 laforj.k

4-2-4

jk-vk-cSad dk iqufoZÙk dkjksckj dk mÌs'; fofo/k izdkj ds cM+s cktkj esa] {ks= ds vk/kkj ij vkSj lkekftd

foÙk o"kZ 2018&19 ds nkSjku 25]177 djksM+ :Ik;s dk vkfFkZd oxksZa dh lsok djuk gSA jk-vk-cSad us iwjs ns'k esa laforj.k fd;k x;kA laforj.k dk yxHkx 85 izfr'kr] vkokl foÙk ds fy;s lcls fupys ik;nku rd _.k 25 yk[k :Ik;s rd dh _.k jkf'k gsrq FkkA rhu vk-fo-lqfo/kk igaqpkus] fo'ks"kdj fuEu vkSj e/; vk; oxksaaZ ds da- dks iqufoZÙk xzkgd lwph esa tksM+k x;kA fiNys rhu fy;s] dh lqfo/kk gsrq usVodZ dks csgrj vkSj etcwr o"kksaZ ds nkSjku izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ cukus ds fy;s izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dh fofHkUu Jsf.k;ksa dks laLFkku&okj iqufoZÙk laforj.k dks izksRlkfgr fd;kA bu mik;ksa ls ih,yvkbZ] fo'ks"kdj vuqca/k&IV esa n'kkZ;k x;k gSA Ok"kZ 2018&19 ds nkSjku vkokl foÙk daifu;ksa dks muds nh?kZdkyhu lalk/kuksa esa ;kstuk&okj vkSj LySc&okj iqufoZÙk laforj.k Øe'k% lqfo/kk igaqpkbZ xbZAvuqca/k&V vkSj vuqca/k &VI esa n'kkZ;k x;k gSA

jk-vk-cSad us ÅtkZ cpr vkSj gfjr vkokl] fuEu fiNys ikap o"kksZa ds nkSjku izkFkfed _.knkrk laLFkku vk; vkSj vukSipkfjd vk; oxksZa ds fy;s laLFkkxr _.k ¼ih,yvkbZ½ dh fofHkUu Jsf.k;ksa dks iqufoZÙk laforj.k lqfo/kk dks J`a[kykc) djus ds fy;s vusd vUrjkZ"Vªh; pkVZ 4-3 esa n'kkZ;k x;k gSAfodkl ,tsafl;ksa ds lkFk fgLlsnkjh dh gSA jk-vk-cSad

}kjk izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dh lgk;rk vkSj izksRlkfgr djus ds fy;s iqufoZÙk ;kstuk,a 'kq: dh xbZ] mUgksaus u, vkokl foÙk bZdks&iz.kkyh 'kq: djus esa ;ksxnku fd;kA

pkVZ 4-3 & iqufoZÙk laforj.k & laLFkku Js.kh&okj ¼ ?djksM+ esa½

vk-fo-da- vuq- okf.kfT;d cSad vU; dqy


4-2-6 lap;h laforj.k dk lesfdr iqufoZÙk laforj.k fd;kA izfr'kr ds vuqlkj fooj.k pkVZ 4-4 esa fn;k x;k gSA ;Fkk 30 twu]

;Fkk 30 twu] 2019 rd] cSad us izkFkfed _.knkrk 2019 dks laLFkku dk Js.kh&okj lesfdr iqufoZÙk laLFkku ¼ih,yvkbZ½ dh fofHkUu Jsf.k;ksa dks] muds vuqca/k &VII esa fn;k x;k gSA oS;fDrd vkokl _.kksa ds ckjs esa] 2]36]704 djksM+ :Ik;s

36

pkVZ 4-5 & cdk;k iqufoZÙk & laLFkku Js.kh&okj ¼ ?djksM+ esa½

4-2-7 cdk;k Fkk ftlesa vk-fo-da- dh fgLlsnkjh 50]145 djksM+ :i, ¼73 izfr'kr ½ gSA fiNys ikap o"kksZa esa izkFkfed _.knkrk

cSad dk cdk;k iqufoZÙk ;Fkk 30 twu] 2018 ds 7-15 laLFkku ¼ih,yvkbZ½ dh fofHkUu Jsf.k;ksa esa cdk;k izfr'kr o`f) dh rqyuk esa ;Fkk 30 twu] 2019 dks 17-67 iqufoZÙk dh izo`fÙk vuqca/k &VIII vkSj pkVZ 4-5 esa nh izfr'kr c<+ x;k gSA blds vfrfjDr] ;Fkk 30 twu] xbZ gSA2019 dks cSad dk cdk;k iqufoZÙk 69]095 djksM+ :i,

pkVZ 4-4 & lap;h iqufoZÙk laforj.k ¼%esa½

& vkokl foÙk daifu;ka & vuqlwfpr okf.kfT;d cSad& {ks=h; xzkeh.k cSad& vU;

vk-fo-da- vuq- okf.kfT;d cSad vU; dqy

ifjpkyu

37

jkf’k ¼

?djksM+ e

sa½

* foÙk o"kZ 2018&19 ls xzkeh.k vkokl fuf/k vkSj 'kgjh vkokl fuf/k dks fdQk;rh vkokl fuf/k esa lek;ksftr fd;k x;k gSA

4-2-8 iqufoZÙk laforj.k ,oa iqufoZÙk cdk;k dh izo`fÙk

4-2-9 xzkeh.k vkokl fuf/k

vk; 3 yk[k :Ik;s ls vf/kd ugha gS] ds _f.k;ksa dks muds vkokl _.kksa ds ckjs esa iqufoZÙk lgk;rk nsus ds fy;s fd;k x;k ¼tSlsfd ̂ izkFkfedrk izkIr {ks= esa _.k

izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dh fofHkUu nsus ls lacaf/kr ekLVj funs'k & Hkkjrh; fjtoZ cSad }kjk Jsf.k;ksa esa cSad ds iqufoZÙk laforj.k ,oa iqufoZÙk cdk;k y{; vkSj oxhZdj.k^ esa fn;k x;k gS½A blds vfrfjDr] dh izo`fÙk dks pkVZ 4-4 ,oa 4-5 esa n'kkZ;k x;k gSA ;g ;g lqfuf'pr djus ds fy;s fd D;k fuEu C;kt nj dk uksV fd;k tk ldrk gS fd pkVZ 4-4 vkSj pkVZ 4-5 cSad ykHk vafre _f.k;ksa dks fn;k x;k] _.kksa ij C;kt njksa esa futh {ks=] lkoZtfud {ks=] fons'kh cSad vkSj {ks=h; dks ^dSIM^ dj fn;k x;kA xzkeh.k vkokl fuf/k xzkeh.k cSad 'kkfey gSa tcfd vU; esa 'kgjh lgdkjh cSad ¼vkj,p,Q½ 2008&09 ls 2017&18 rd ifjpkyu&jr ¼;wlhch½] LekWy Qkbusal cSad ¼,l,Qch½] d`f"k ,oa jghA xzkeh.k vkokl fuf/k ¼vkj,p,Q½ ds rgr] 19-47 xzkeh.k fodkl cSad ¼,vkjMhch½ ,oa 'kh"kZLFk lgdkjh yk[k vkoklh; bdkbZ;ksa ds fy;s izkFkfed _.knkrk foÙk lkslkbfV;ka ¼,lh,p,Q½ 'kkfey gSaA laLFkku ¼ih,yvkbZ½ dks 31]311 djksM+ :Ik;s dh iqufoZÙk

lgk;rk nh xbZA xzkeh.k vkokl fuf/k ¼vkj,p,Q½ ds rgr lesfdr laforj.k pkVZ 4-6 esa n'kkZ;k x;k gSA

xzkeh.k vkokl fuf/k ¼vkj,p,Q½ dk iz;ksx izkFkfed laLFkku dk Js.kh&okj fooj.k vuqca/k &IX esa fn;k x;k _.knkrk laLFkkuksa ¼ih,yvkbZ½ dks xzkeh.k {ks=ksa esa gSA detksj oxksZa] efgykvksa vkSj xzkeh.k tu ftudh okf"kZd

pkVZ 4-6 & xzkeh.k vkokl fuf/k ds rgr fu"ikndrk


laforfjr lap;h jkf'klap;h foRriksf"kr bdkbZ;ka

bdkbZ;ksa dh la[;k

38

4-2-10 'kgjh vkokl fuf/k ikfjokfjd vk; okys ifjokjksa dks nh xbZA blds vfrfjDr] ;g lqfuf'pr djus ds fy;s fd D;k fuEu

'kgjh vkokl fuf/k ¼;w,p,Q½ dk iz;kstu 'kgjh {ks=ksa esa C;kt nj dk ykHk vafre _f.k;ksa dks fn;k x;k] _.kksa izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ }kjk fn;s ij C;kt njksa dks ̂ dSIM^ dj fn;k x;kA 'kgjh vkokl vkokl _.kksa dss ckjs esa iqufoZÙk lgk;rk vkokl fuf/k ¼;w,p,Q½ 2013&14 ls 2017&18 rd ifjpkyu bdkbZ;ka [kjhnus] [email protected]@mUu;u djkus &jr jghA 'kgjh vkokl fuf/k ¼;w,p,Q½ ds rgr] ;k vkokl dk foLrkj djus ds fy, nsuk gSA 60 oxZ 2-15 yk[k 'kgjh vkoklksa dks oS;fDrd vkokl _.kksa ds ehVj rd dkjisV {ks= okyh vkoklh; bdkbZ;ksa ds fy;s fy, izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dks 10]500 ;k ftu vkoklh; bdkbZ;ksa dh dher 25 yk[k :Ik;s djksM+ :Ik;s dh iqufoZÙk lgk;rk nh xbZA 'kgjh vkokl rd gS ¼egkuxjksa esa 35 yk[k :Ik;s½ ij 01-04-2011 dks fuf/k ¼;w,p,Q½ ds rgr lesfdr laforj.k pkVZ 4-7 esa ;k mlds ckn laforfjr ik= _.k jkf'k 20 yk[k :Ik;s n'kkZ;k x;k gSA laLFkku dk Js.kh&okj fooj.k rd ¼nl yk[k ;k vf/kd vkcknh okys egkuxjksa esa vuqca/k &X esa fn;k x;k gSA28 yk[k :Ik;s½ FkhA 'kgjh vkokl fuf/k ¼;w,p,Q½ bZMCY;w,l vkSj ,yvkbZth Jsf.k;ksa ds rgr vf/kdre vk; lhek ds vk/kkj ij 6 yk[k :i, ls de okf"kZd

* foÙk o"kZ 2018&19 ls xzkeh.k vkokl fuf/k vkSj 'kgjh vkokl fuf/k dks fdQk;rh vkokl fuf/k esa lek;ksftr fd;k x;k gSA

pkVZ 4-7 & 'kgjh vkokl fuf/k ds rgr fu"ikndrk

jkf’k ¼

?djksM+ e

sa½

laforfjr lap;h jkf'k

lap;h foRriksf"kr bdkbZ;ka

bdkbZ;ksa dh la[;k

ifjpkyu

39

4-2-11 fdQk;rh vkokl fuf/k

4-2-12 vYi vk; oxZ ds ifjokjksa gsrq fo’ks"k 'kgjh 4-3 ifj;kstuk foÙkvkokl iqufoZÙk ;kstuk ¼MCY;wch&;w,yvkbZ,p½

¼,u,pch&MCY;wch 'kgjh fuEu vk; vkokl 4-3-1ifj;kstuk ds rgr tkjh iqufoZÙk ;kstuk½

:Ik;s rd gS] vkokl _.kksa ds fy;s iqufoZÙk iznku fd;k x;kA jk-vk-cSad }kjk izkFkfed _.knkrk laLFkku

dsUnzh; ctV 2018&19 esa ?kks"k.kk ds vuqlj.k esa] ¼ih,yvkbZ½ dks muds vkokl _.kksa ds fy;s iqufoZÙk izkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½ dks iqufoZÙk fn;k x;k ftls foÙkiksf"kr laifÙk dh laikf'Zod izfrHkwfr lgk;rk iznku djus ds fy, jk-vk-cSad esa 10]000 djksM+ ;k vU; izdkj ls izfrHkwfrd`r fd;k tkrk gSA iqufoZÙk :Ik;s ls fdQk;rh vkokl fuf/k ¼,,p,Q½ dh LFkkiuk lgk;rk ;kstuk ds rgr 'kgjh {ks=ksa esa izkFkfed dh xbZ rkfd xzkeh.k vkSj 'kgjh {ks=ksa esa yf{kr oxksZa dks _.knkrk laLFkku ¼ih,yvkbZ½ dks muds }kjk fuEu vk; OkS;fDrd vkokl _.k miyC/k djk;k tk ldsA bl oxZ ds ifjokjksa dks vkokl _.kksa tks ;k rks lh/ks ;k fuf/k dk mi;ksx fnukad 01 vizSy] 2017 dks ;k mlds e/;LFkksa tSls ,e,QvkbZ ¼ftuds ;gka ewY;kadu djus ckn Lohd`r vkSj laforfjr ik= oS;fDrd vkokl _.kksa dh mfpr i)fr o izfØ;k vkSj vkokl _.kksa ds fy;s dks iqufoZÙk lgk;rk gsrq fd;k tk,xkA fdQk;rh vuqorhZ dkjZokbZ djus dh mfpr izfØ;k ds lkFk vkokl fuf/k ¼,,p,Q½ 'kgjh {ks=ksa esa 6 yk[k :i, ls izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dh larqf"V de okf"kZd ikfjokfjd vk; okys oS;fDrd m/kkjdrkZvksa vuqlkj mu _.kksa ij dk;Z djus esa l{ke deZpkjh gksrs tcfd xzkeh.k {ks=ksa esa efgykvksa] detksj oxksZa ¼Hkkjrh; gSa½ ds ek/;e ls fuEu fyf[kr dk;Z ds fy;s fn;s x;s] ds fjtoZ cSad dh izkFkfedrk {ks= fn'kk&funsZ'kksa esa ;Fkk fy;s iqufoZÙk lgk;rk iznku dh xbZA ifjHkkf"kr½ ,oa 3 yk[k :i, ls de okf"kZd vk; okys oS;fDrd m/kkjdrkZvksa dh ekax dks iwjk djrh gSA blds • ubZ vkokl bdkbZ ds fuekZ.k@Ø; gsrq vfrfjDr] ;g lqfuf'pr djus ds fy;s fd fuEu C;kt nj dk ykHk vafre m/kkjdrkZvksa rd igqapk gS] izkFkfed • ekStwnk vkoklh; bdkbZ;ksa dks [kjhnus ds fy, _.knkrk laLFkku Js.kh okj _.kksa ij C;kt njksa dks

• ekStwnk vkokl dh [email protected]@ ^dSIM^ dj fn;k x;kA fdQk;rh vkokl fuf/k foLrkj@mUu;u ds fy,¼,,p,Q½] 'kgjh vkSj xzkeh.k {ks=ksa ds varxZr vkus okys

yxHkx 1-37 yk[k ifjokjksa dks muds oS;fDrd vkokl MCY;wch&;w,yvkbZ,p 2013&14 ls 2017&18 rd _.k ds laca/k esa o"kZ 2018&19 ds nkSjku izkFkfed ifjpkyujr jghA foÙk o"kZ 2018&19 ds nkSjku] fofHkUu _.knkrk laLFkkuksa dks 7]694-90 djksM+ :i, dh iqufoZÙk izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ dks 24 djksM+ lgk;rk iznku dh xbZ gSA vkoklh; bdkbZ;ksa dh dqy :Ik;s dk laforj.k fd;k x;kA 612 djksM+ :Ik;s ds la[;k ds lkFk izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ lap;h laforj.k ls 16]100 vkoklh; bdkbZ;ksa dk Js.kh okj mi;ksxfxrk vuqca/k &XI esa fn;k x;k gSAfuekZ.k@mUu;u fd;k x;kA

jk"Vªh; vkokl cSad ik= fudk;ksa dks vkoklh; ifj;kstukvksa ds fy;s jk"Vªh; vkokl cSad vf/kfu;e]

1987 dh /kkjk 14¼ch,½ ds rgr _.k vkSj vfxze Hkkjr ljdkj us vUrjkZ"Vªh; fodkl la?k ¼vkbZMh,½ ls miyC/k djkrk gSA vkjaHk ls cSad us ifj;kstuk foÙk foaMks ,d le>kSrk fd;k gS ftlds rgr vkbZMh, us Hkkjr ds rgr fofHkUu igysa dh gSa ftuds }kjk ns'k esa lexz ljdkj dks 100 fefy;u Mkyj ds led{k _.k fn;kA :Ik ls vkoklh;a bdkbZ;ksa dh o`f) djus esa lgk;rk gks] vkbZMh, us ifj;kstuk ds dk;kZUo;u ds fy, jk-vk-cSad vkfFkZd :Ik ls detksj ¼bZMCY;w,l½ vkSj fuEu vk; oxZ ds lkFk Hkh ,d djkj fd;k ftlds rgr vukSipkfjd ¼,yvkbZth½ dh vkokl t:jrksa dh vksj fo'ks"k cy oxksZa vkSj mu ifjokjksa dks ftudh okf"kZd vk; 3 yk[k


40

fn;k tkrk gSA izkjEHk esa] jk-vk-cSad vkokl cksMksZa] fodkl fy;s ifj;kstuk foÙk foaMks ds varxZr ifj;kstuk foÙk ,tsafl;ksa vkSj lgdkjh vkokl lfefr;ksa }kjk fd;s tk lgk;rk miyC/k djkbZ xbZA ifj;kstuk foÙk lgk;rk jgs Hkwfe fodkl vkSj vkJ; ifj;kstukvksa ¼,yMh,lih½ jk-vk-cSad dh uhfr rFkk fjtoZ cSad ds fn'kkfunsZ'kksa ds rFkk vkoklh; cqfu;knh <kaps dk fodkl djus ds fy;s vuqlkj okf.kfT;d n`f"V ls O;ogk;Z ifj;kstukvksa ds viuh iqufoZÙk foaMks ds rgr foÙkh; lgk;rk iznku fy; miyC/k djkbZ xbZA djrk FkkA ckn esa] LoSfPNd tek ¼mUeqfDr ,oa NwV½

lap;h rkSj ij] 30 twu] 2019 rd] cSad us vf/kfu;e] 1991 ds rgr jk-vk-cSad esa efyu cLrh 10]228 djksM+ :i, dh ifj;kstuk ykxr ,oa 5]722 fodkl rFkk de ykxr vkokl fuf/k dh LFkkiuk dh djksM+ :i, dh _.k jkf'k ds lkFk 449 ifj;kstukvksa xbZA bl fuf/k dk iz;ksx efyu cLrh lQkbZ dks foÙkiks"k.k lgk;rk Lohd`r dhA ;Fkk 30 twu] 2019 ifj;kstukvksa] xjhcksa ds fy;s de ykxr dh vkoklh; rd lap;h ifj;kstuk foÙk laforj.k 2]406 djksM+ :i, ifj;kstukvksa] izkd`frd vkinkvksa ls izHkkfor yksxksa ds FkhA jk-vk-cSad ds ifj;kstuk foÙk laforj.k dh izo`fÙk fy;s vkokl fuekZ.k rFkk lkekU; fuf/k ls foÙkiksf"kr dks pkVZ 4-8 esa n'kkZ;k x;k gS%ifj;kstukvksa ds fy;s fd;k x;kA

lkoZtfud ,tsafl;ksa ;Fkk jkT; vkokl cksMksZa] jkT; efyu cLrh lQkbZ cksMksZa@izkf/kdj.kksa] fodkl izkf/kdj.kksa] uxj fuxeksa] 'kgjh LFkkuh; fudk;ksa vkfn dks fjgk;'kh vkoklh; ifj;kstukvksa dks 'kq: djus ds

4-3-3

4-3-2

pkVZ 4-8 & ifj;kstuk foÙk laforj.k ¼ ?djksM+ esa½

laforj.k lap;h laforj.k

ifjpkyu

41

4-3-4 4-3-5 ;Fkk 30 twu] 2019 dks] cSad dk 10 ,tsafl;ksa ij o"kZ 2018&19 ds nkSjku] cSad us viuh olwyh cdk;k ifj;kstuk foÙk ,Dlikstj 97-67 djksM+ :Ik;s iz;klksa ds ,d fgLls ds rkSj ij] vuqorhZ dkjZokbZ vkSj Fkk ftlesa vkokl cksMksZa] jkT; vkokl fuxeksa vkSj lw{e fu;fer nkSjk fd;k ftlds dkj.k ,uih, Js.kh esa fdlh foÙk laLFkkuksa ¼,e,QvkbZ½ dks laforfjr jkf'k 'kkfey u, _.k dks tkus ls jksdus ds lkFk dqy 0-43 djksM+ gSA ;Fkk 30 twu] 2019 dks] th,uih, 4-18 djksM+ :Ik;s :i, dh vutZd vkfLr;ksa ¼,uih,½ dh olwyh dh xbZA Fkk tks ikap lw{e foÙk laLFkkuksa dks fn;s _.k ds dkj.k ;Fkk 30 twu] 2019 dks cdk;k ,uih, ?kVdj 4-18 gSA o"kZ&okj ifj;kstuk foÙk ds varxZr laforj.k djksM+ :i, jg x;kA fiNys Ng o"kksZa ds nkSjku vuqca/k - XII esa fn;k x;k gSA ifj;kstuk foÙk ds rgr ldy ,uih, esa mrkj&p<+ko

dks pkVZ 4-9 esa n'kkZ;k x;k gSA

pkVZ 4-9 & ifj;kstuk foÙk esa ldy ,uih, esa mrkj&p<+ko ¼ ?djksM+ esa½

4-4 fofu;eu rFkk i;Zos{k.k

4-4-1

4-4-2

dh vuqefr ds lkFk iathdj.k izek.k i= iznku fd;s

x;sA 18 vkokl foÙk daifu;ksa ftUgsa lkoZtfud tek jk"Vªh; vkokl cSad vf/kfu;e] 1987 ds izko/kkuksa

jkf'k;ka Lohdkj djus dh vuqefr nh xbZ gS] esa ls 6 ds vuqlkj cSad vkokl foÙk daifu;ksa dk fofu;eu ,oa

daifu;ksa dks lkoZtfud tek jkf'k;ka Lohdkj djus ls i;Zos{k.k djrk gSA ;Fkk 30 twu] 2019 dks] jk-vk-cSad

igys jk-vk-cSad ls fyf[kr vuqefr ysuk vko';d fd;k }kjk iathd`r vkokl foÙk daifu;ksa dh dqy la[;k 101

x;k gSA iathdj.k izek.k i= vkokl foÙk daifu;ksa dh Fkh ftuesa ls 18 vkokl foÙk daifu;ksa dks iathdj.k

v|ru lwph jk-vk-cSad dh osclkbV ij miyC/k gSAizek.k i= ds }kjk lkoZtfud tek jkf'k;ka Lohdkj

djus dh Hkh vuqefr nh xbZ gS vkSj 'ks"k 83 vkokl foÙk jk-vk-cSad ds fofu;eu vkSj Ik;Zos{k.k dk;ksZa dk

daifu;ksa dks lkoZtfud tek jkf'k;ka Lohdkj ugha djus mÌs'; fdlh Hkh vk-fo-da- dh ,slh xfrfof/k;ksa tks


42

tekdrkZvksa ds fgrksa ds fy;s gkfudj gksa] dh jksdFkke dh /kkjk 29d ds varxZr fd, x,A 'ks"k 40 fujh{k.k

djuk gksrk gS vkSj lkFk gh tks ns'k esa vkokl foÙk jk"Vªh; vkokl cSad vf/kfu;e] 1987 ds fofHkUu

lsDVj dh o`f) vkSj ifjpkyuksa esa ck/kd Hkh u gksA fofu;ked izko/kkuksa vkSj le;≤ ij blds rgr

fofu;eksa ds rgr] jk-vk-cSad us le;≤ ij vk-fo- jk-vk-cSad }kjk tkjh funs'k] fn'kk&funsZ'kksa] ifji=ksa ds

da- vkSj muds ys[kk ijh{kdksa ds fy;s funs'k] vuqikyu dks lqfuf'pr djus gsrq iathd`r vk-fo-da- ds

fn'kk&funsZ'k] vkSj ifji= tkjh fd;s gSaA vk-fo-da- dh laca/k esa fd, x,A

lqj{kk ,oa etcwrh dks lqfuf'pr djus gsrq jk-vk-cSad ds

ikl ,d Bksl fuxjkuh iz.kkyh gS ftlesa vk-fo-da- }kjk

izLrqr vkof/kd fjVuZ vkSj cktkj vklwpuk nksuksa ds cSad us vkokl foÙk daifu;ksa }kjk izLrqr vkof/kd ek/;e ls vk-fo-da- dk LFkyh; vkSj LFkysÙkj fujh{k.k foojf.k;ksa ftlesa jk-vk-cSad funs'kksa esa ;Fkk fufnZ"V 'kkfey gSaA frekgh] Nekgh vkSj okf"kZd foojf.k;ka 'kkfey gSa] dh

fuxjkuh vkSj laoh{kk }kjk vk-fo-da- dk LFkysÙkj

i;Zos{k.k fd;k x;kA

o"kZ 2018&19 esa] 7 vkokl foÙk daifu;ksa dks jk-vk-cSad

}kjk iathdj.k izek.k i= ¼lhvksvkj½ fn;k x;k vkSj bu vkokl foÙk daifu;ksa dk dq'kyrk iwoZd fu;eu djus vkokl foÙk daifu;ksa dh lwph vuqca/k - XIII ij nh ds fy;s] ¼d½ vFkZlqyHk vkfLr;ksa dks ugha cuk;s j[kus] xbZ gSA ¼[k½ [email protected];ka izLrqr ugha djus] ¼x½ jk-vk-cSad

funs'kksa dk vuqikyu ugha djus vkfn ij jk-vk-cSad bl o"kZ ds nkSjku] yks<+k gkmflax Qkbusal izk- fy- vkSj

vFkznaM Hkh yxkrk gSA bl o"kZ ds nkSjku] 19 vkokl foÙk dSfiVy QLVZ gkse Qkbusal fyfeVsM us iznRr iathdj.k

daifu;ksa ij fofHkUu xSj&vuqikyu gsrq vFkZnaM yxk;k izek.k i= okil dj fn;kA

x;kA

jk-vk-cSad vkokl foÙk daifu;ksa ds dk;ksZa dh fuxjkuh

LFkyh; fujh{k.k] cktkj vklwpuk vkSj LFkysrj vf/klwpuk,a

fuxjkuh ra=] vkof/kd foojf.k;ksa @lwpuk vkSj vU;

tkap iM+rky djds djrk jgrk gSA 1-vf/klwpuk la- jk-vk-cSad-vk-fo-da-funsZ'k-21@

,eMh,aMlhbZvks@2018 fnukad 12 tqykbZ] 2018& LFkyh; fujh{k.k

vkokl foÙk daifu;ka ¼jk-vk-cSad½ funs'k] 2010 ds

foÙk o"kZ 2018&19 ds nkSjku jk-vk-cSad }kjk 46 vk-fo-da vuqPNsn 2 ,oa 32 esa la'kks/ku

ds LFkyh; fujh{k.k fd, x, ftlesa ls 6 fujh{k.k • vk-fo-da- ¼jk-vk-cSad½ funs'k] 2010 ds vuqPNsn 2 ds daifu;ksa }kjk izLrqr vkosnu ds vk/kkj ij iathdj.k varxZr ̂^,d gh lewg esa daifu;ka** dh ifjHkk"kkizek.ki= iznku djus gsrq jk-vk-cSad vf/kfu;e] 1987

LFkysrj fuxjkuh

4-4-3 iathdj.k @vkokl foÙk daifu;ksa dks

iznRr iathdj.k izek.k i= dks fujLr djuk

naM

4-4-4 vkokl foÙk daifu;ksa dk Ik;Zos{k.k 4-4-5 tkjh vf/klwpuk,a] ifji= vkSj lrdZrk

lwpuk

ifjpkyu

43

iznÙk pqdrk iwath ds 10 izfr'k;r ;k vf/kd vkSj •vk-fo-da- ¼jk-vk-cSad½ funs'k] 2010 ds vuqPNsn 32 dks 26 izfr'kr ls de 'ks;j/kkfjrk ds bl izHkko gsrq la'kksf/kr fd;k x;k fd _.k ds [email protected] ds le; fu;a=.k@izca/ku esa ladsanz.k@fuos'k dh vf/kdre lhek fu/kkZfjr djus esa] cnyko ds ckjs esa iwoZ lkoZtfud lwpuk ykxw ugha viuh lgk;d daifu;ksa vkSj ,d gh lewg dh daifj;ksa gSA ds 'ks;jksa esa vk-fo-da- ds fuos'k( fdlh vkokl foÙk

daiuh dh lgk;d daifu;ksa vkSj ,d gh lewg dh 3- vf/klwpuk la- jk-vk-cSad-vk-fo-da-,y,&2@

daifu;ksa gsrq vkSj muds lkFk tek fd, x, fMcsaplZ] ,eMh,aMlhbZvks@2019 fnukad 25 ebZ]

ckW.M] cdk;k _.k vkSj vfxze ¼fdjk;k [kjhn vkSj iÍk 2019& vFkZ'kqyHkrk vkfLr;ksa ds U;wure

foÙk lfgr½ ftl lhek bUgsa rd fuoy Lokf/kd`r fuf/k izfr'kr dks cuk, j[kuk

dh x.kuk gsrq Lokf/kd`r fuf/k;ksa ls de dj fn;k x;k

gS] dks vyx j[kuk gksxkA gkykafd] fj;y ,LVsV • jk"Vªh; vkokl cSad vf/kfu;e] 1987 dh /kkjk 29[k fuekZ.k@[kjhn vkSj fj;y ,LVsV xfrfof/k;ksa dh fcØh ds izko/kkuksa ds vuqlkj Hkkj&jfgr vuqeksfnr esa 'kkfey lewg daifu;ksa gsrq vk-fo-da- dk ,Dlikstj izfrHkwfr;ksa esa vk-fo-da- }kjk /kkfjr lkoZtfud ØsfMV@fuos'k ladanz.k 'krksZa ds rgr ykxw lkekU; tekvksa ij vk-fo-da- }kjk cuk, j[kh tkus okyh vf/kdre lhek ds v/khu gSA U;wure vFkZlqyHk vkfLrk;ksa dh vko';drk dks 6

izfr'kr ls c<+kdj 6-5 izfr'kr dj fn;k x;k gSA 2- vf/klwpuk la- jk-vk-cSad-vk-fo-da-,Vhlh-rnuqlkj] lkoZtfud tek /kkfjr djus okyh vk-fo-funsZ'k-2&,eMh,aMlhbZvks&2018 fnukad da- }kjk cuk, j[ks tkus okyh vFkZlqyHk vkfLr;ksa 19 tqykbZ] 2018& fu;a=.k ds vfHkxzg.k ;k dh dqy feykdj vko'drk iwoZ ds 12-5 izfr'kr ls gLrkarj.k dh eatwjh ¼jk"Vªh; vkokl cSad½ c<+dj 13 izfr'kr gks xbZ gSA c<+h gqbZ vko';drk funs'k] 2016 ds vuqPNsn 3 vkSj 5 esa la'kks/ku03 twu] 2019 ls izHkkoh gSA

• 'kh"kkZafdr funs'k ds vuqPNsn 3 dks bl izHkko gsrq 4- vf/klwpuk la- jk-vk-cSad-vk-fo-da-funsZ'k-

la'kksf/kr fd;k x;k fd ,d vk-fo-da- dh 22&,eMh,aMlhbZvks&2019 fnukad 12 twu]

'ks;j/kkfjrk esa fdlh Hkh cnyko gsrq] le; ds lkFk 2019& vkokl foÙk daifu;ka ¼jk-vk-cSad½

izxkeh o`f) lfgr] ftlds ifj.kkeLo:i fdlh funs'k] 2010 ds vuqPNsn 3 ,oa 30 esa la'kks/ku

fons'kh fuos'kd }kjk@dks lkoZtfud tek Lohdkj

djus@/kkfjr djus okyh vk-fo-da- dh iznÙk • vuqPNsn 3 dks bl izHkko gsrq la'kksf/kr fd;k x;k bfDoVh iwath ds 10 izfr'kr ;k vf/kd dh fd ,d vk-fo-da- viuh fuoy Lokf/kd`r fuf/k dh 'ks;j/kkfjrk dk [email protected] gksxk] gsrq rhu xq.kk rd lkoZtfud tek Lohdkj dj ldrh vk-fo-da- ds fu;a=.k ds vfHkxzg.k ;k gLrkarj.k gsrq gS] tks igys fuoy Lokf/kd`r fuf/k dk ikap xq.kk jk-vk-cSad ls iwoZ vuqefr dh vko';drk gksrh gSA FkkA

• vuqPNsn 5 dks bl izHkko gsrq la'kksf/kr fd;k x;k blds vfrfjDr] vkokl foÙk daifu;ksa gsrq

fd ;fn fons'kh fuos'kd }kjk@dks vk-fo-d- ds lkoZtfud tek lfgr tek jkf'k;ksa dh vf/kdre


44

lhek dks uhps fn, vuqlkj fuoy Lokf/kd`r lhek fjdkWMZ dks v|ru :i ls Qkby djsaA vk-fo-da- dks ;g

ds lksyg xq.kk ls la'kksf/kr fd;k x;k% Hkh lwfpr fd;k x;k fd fu;fer vk/kkj ij ljlkbZ ds

lkFk ykxw fjdkWMZ ds iathdj.k ds ekeys esa i½ 31 ekpZ] 2020 dks ;k mlds ckn blds fuoy

lko/kkuhiwoZd vuqikyu lqfuf'pr djsaA Lokf/kd`r fuf/k ds pkSng xq.kk rd(

2-vk-fo-da- esa /kks[kk/kM+h dks fjiksVZ djus ls lacaf/kr pkyw ii½ 31 ekpZ] 2021 dks ;k mlds ckn blds fuoy izfØ;k dks lqfo/kkijd cukus vkSj vk-fo-da- }kjk fjiksVZ

Lokf/kd`r fuf/k ds rsjg xq.kk rd ,oa fd, x, /kks[kk/kM+hiw.kZ ysu&nsuksa ls lacaf/kr fjiksfVZax

vkSj fuxjkuh iz.kkyh dks etcwr cukus gsrq jk-vk-cSad us iii½ 31 ekpZ] 2022 dks ;k mlds ckn blds fuoy ifji= la- jk-vk-cSad¼u-fn-½@Mhvkj,l@uhfr Lokf/kd`r fuf/k ds ckjg xq.kk rd ifji= la- 92@2018&19 fnukafdr 05 Qjojh]

• vuqPNsn 3 dks bl izHkko gsrq la'kksf/kr fd;k x;k 2019 ds ek/;e ls vkokl foÙk daifu;ksa esa fd izR;sd vk-fo-da-] Vh;j&I vkSj Vh;j&II iwath ls /kks[kk/kfM+;ksa dh lwpuk nsus o fuxjkuh ij feydj U;wure iwath vuqikr cuk j[ksxh tks fn'kk&funsZ'k tkjh dhA fuEufyf[kr ls de ugha gksxk%

3-fofu;ked t:jrksa ds mYya?ku@pwd ij i½ 31 ekpZ] 2020 rd ;k mlls igys 13 izfr'kr( jk"Vªh; vkokl cSad }kjk yxk, x, vFkZnaM ds

izdVhdj.k ij jk-vk-cSad¼u-fn-½@Mhvkj,l ii½ 31 ekpZ] 2021 rd ;k mlls igys 14 izfr'kr

@uhfr ifji= la- 93@2018&19 fnukafdr 15 vkSj

Qjojh] 2019 & vk-fo-da- ¼jk-vk-cSad½ funs'k] 2010 ds

vuqPNsn 29¼6½ ds varxZr fofufnZ"V izdVhdj.k iii½ 31 ekpZ] 2022 rd ;k mlls igys vkSj mlds vis{kkvksa ds vfrfjDr] vk-fo-da- dks jk"Vªh; vkokl cSad ckn dh vuqekfur tksf[ke Hkkfjr laifÙk;ksa vkSj }kjk daiuh ij yxk, x, fdlh Hkh izdkj ds vFkZnaM dks rqyu&i=srj en ds tksf[ke lek;ksftr ewY; viuh osclkbV ij izeq[krk ls iznf'kZr djus gsrq lwfpr dk 15 izfr'kr fd;k x;k gSA blds vfrfjDr] ftu vk-fo-da- dh 'ks;j

blds vfrfjDr] Vh;j&I] fdlh Hkh le;] 10 fdlh Hkh LVkWd ,Dlpsat esa lwphc) gS rks mudks ;g Hkh izfr'kr ls de ugha gksuh pkfg,A lqfuf'pr djuk gksxk fd daiuh ij yxk, tk jgs

vFkZnaM gsrq jk-vk-cSad dh i= izkfIr ds nks dk;Zfnol ds uhfrxr ifji=Hkhrj LVkWd ,Dlpsat dks blds laca/k esa lwfpr fd;k

1-ljlkbZ esa izfrHkwfr fgr dh Qkbfyax ij jk-vk- x;k gSA cSad¼u-fn-½@Mhvkj,l@uhfr ifji= la-

4- vk-fo-da- gsrq ^vius xzkgd dks tkfu,* vkSj 91@2018&19 fnukafdr 21 tuojh] 2019 & ^dkyk /ku jks/kd mik; ij fn'kk&funsZ'k** ij jk-vk-vkokl foÙk daifu;ksa dks lwfpr fd;k x;k fd 31 ekpZ] cSad ¼u-fn-½@ Mhvkj,l@uhfr ifji= la- 2019 rd le;≤ ij ljlkbZ }kjk tkjh funsZ'kksa ds 94@2018&19 fnukafdr 11 ekpZ] 2019 & jk-vk-lanHkZ esa lHkh fuokZg ysusnuksa ds laca/k esa ljlkbZ ds lkFk

ifjpkyu

45

cSad }kjk tkjh fd, x, vk-fo-da- gsrq ̂ ^vius xzkgd dks cSad ¼u-fn-½@Mhvkj,l@fofo/k ifji= la-

tkfu,^^ ,oa ̂ ^dkyk /ku jks/kd mik;** ij fn'kk&funsZ'k 20@2018&19 fnukafdr 05 Qjojh] 2019 & ;g

vkSj mlds ckn le;≤ ij bl fo"k; ij tkjh ik;k x;k gS fd fjiksfVZax] izdVu] ,,y,e] fu;a=.k ,oa

ifji=ksa dh /ku'kks/ku fuokj.k vf/kfu;e] 2002 varj & daiuh ysu&nsu tSls ekeyksa ij vf/kd

¼ih,e,y,½ vkSj /ku'kks/ku fuokj.k ¼vfHkys[kksa dk lko/kkuh dh t:jr gSA vk-fo-da- dks vU; ckrksa ds

vuqj{k.k½ fu;e] 2005 esa la'kks/ku lfgr ckn esa gq, lkFk&lkFk lwfpr fd;k x;k fd%

fodklksa ds izdk'k esa jk-vk-cSad }kjk leh{kk dh xbZA • fofu;ked funsZ'kksa ¼jk"Vªh; vkokl cSad vf/kfu;e]

5-tksf[ke izca/ku iz.kkyh & izeq[k tksf[ke 1987] funs'k] ifji= ,oa fn'kk&funsZ'k vkfn½ dk vf/kdkjh dh fu;qfDr** ij jk-vk-cSad ¼u-fn-½ visf{kr vuqikyu lqfuf'pr djsa( @Mhvkj,l@uhfr ifji= la- 95@2018&19

• mPp ewY; okys fcYMj _.k] fuekZ.k foÙk] laifÙk ds fnukafdr 29 ebZ] 2019 & ;|fi vk-fo-da- ds cksMksZa vk/kkj ij _.k ,oa vU; xSj&vkokl _.kksa ij dks tksf[ke izca/ku esa loksZÙke izFkkvksa dk ikyu djus ,Dlikstj ij [kkl lanHkZ ds lkFk ifjpkyu ds Lrj dk iz;kl djuk pkfg,] 5000 djksM+ :i, ls vf/kd ds vuq:i i;kZIr iz.kkyh ,oa fu;a=.k ykxw djsa( laifÙk jkf'k okys vk-fo-da- dks Li"V :i ls fufnZ"V

Hkwfedk vkSj ftEesnkfj;ksa ds lkFk eq[; tksf[ke • fofHkUu iksVZQksfy;ks esa izHkkoh tksf[ke izca/ku gsrq

vf/kdkjh ¼lhvkjvks½ ds fu;qfDr djuk gksxkA izeq[k lexz iz.kkyh ds Hkkx ds rkSj ij vius ,,y,e

lqj{kk vf/kdkjh dks tksf[ke izca/ku ds mPpre ekudksa i)fr;ksa dh leh{kk djsa vkSj jk-vk-cSa dks visf{kr

dks lqfuf'pr djus gsrq Lora= :i ls dk;Z djuk fjiksfVZax dks lqfuf'pr djsa(

vko';d gSA

• vk-fo-da- gsrq lwpuk izkS|ksfxdh <kapk esa fu/kkZfjr fofo/k ifji=izkS|ksfxd tksf[ke lfgr ifjpyukRed tksf[ke dk

1- tkyh uksV dk irk yxkuk vSj tCr djuk & jk- izHkkoh izca/ku lqfuf'pr djsa( vk-cSad dks MsVk dh fjiksfVZax ij jk-vk-cSad ¼u-fn-½

• lqfuf'pr djsa fd mfpr O;ogkj lafgrk v{kj'k% @Mhvkj,l@fofo/k ifji= la- 19@2018&19 viuk, x, gSa( fnukafdr 13 vxLr] 2018 & fnukad 02 tqykbZ]

2018 ds Hkkjrh; fjtoZ cSad ¼Hkk-fj-cSad½ ekLVj ifji= • f'kdk;r dk le; ls fuiVku dks izkFkfedrk nh

& tkyh uksV dk irk yxkuk vkSj tCr djuk ds tk,(

vuqyXud & VI vkSj 30 flracj] 2018 dks lekIr

frekgh dh 'kq:vkr ls le;≤ ij ;Fkk'kksf/kr jk- • ys[kkadu ekudksa ,oa fofu;ked vis{kkvksa ds vuqlkj vk-cSad }kjk tkjh leku funsZ'kksa ds vuqlj.k esa vk-fo-da- lgk;d ,oa lg;ksxh daifu;ksa esa ,Dlikstj ij dks jk-vk-cSad dks frekgh fjiksVZ izLrqr djus gsrq lwfpr lHkh ykxw izdVu djsa( fd;k x;kA

• fujarj vk/kkj ij ljlkbZ ds lkFk ykxw fjdkWMZ ds 2-vkokl foÙk daifu;ksa dks funsZ'k ij ij jk-vk-

iathdj.k ds ekeys esa lko/kkuhiwoZd vuqikyu


lqfuf'pr djsa( ifji= vkSj fn'kkfunsZ'k vkfn jk-vk-cSad dh osclkbV ij

miyC/k gSaA• bl fo"k; ij jk-vk-cSad ds fn'kk&funsZ'k esa ;Fkk

i.k/kkjdksa ds fgrksa dh j{kk ds fy;s] jk-vk- cSad esa fu/kkZfjr /kks[kk/kfM+;ksa dks fjdkWMZ djus gsrq fjiksfVZax ,d f'kdk;r fuokj.k d{k ¼lhvkjlh½ dh LFkkiuk dh iz.kkyh ykxw djsaA xbZ gS tks vk-fo-da- ds xzkgdksa dh f'kdk;rksa dk fuokj.k

ekLVj ifji= & ekLVj ifji= 1 tqykbZ] 2019 dks djrk gSA 24x7 vkWuykbu iksVZy ;Fkk f'kdk;r tkjh fd;k x;k ftlesa 2018&19 ds nkSjku vkokl iathdj.k rFkk lwpuk MkVkcsl iz.kkyh foÙk daifu;ksa dks tkjh funs'kksa] vf/klwpukvksa vkSj ¼lhvkjvkbZMh,l½ }kjk vkokl foÙk daifu;ksa ds xzkgd ifji=ksa vkfn ds :Ik esa tkjh vuqn'kksa dk ladyu viuh f'kdk;rksa dk fuokj.k ikjnf'kZrk vkSj dq'kyrk Fkk % ds lkFk djk ldrs gSaA fnlacj] 2017 esa cSad }kjk

leh{kk dh xbZ f'kdk;r fuokj.k uhfr jk-vk-cSad dh i½ ekLVj ifji= & vkokl foÙk daiuh ¼jk"Vªh;

osclkbV esa ifCyd Mksesu esa miyC/k gSA ns'k Hkj esa bl vkokl cSad½ funs'k] 2010(

lqfo/kk dks izkIr djus okys xzkgdksa dh c<+rh la[;k dh

ekax dks iwjk djus ds fy, bl vkWuykbu iksVZy dks ii½ ekLVj ifji= & vkokl foÙk daifu;ksa }kjk tkjh v|frr fd;k x;k gSA csgrj vfHk'kklu gsrq lHkh futh fu;kstu vkèkkj ij vifjorZuh; fMcsapj ds ukxfjdksa dks mudh f'kdk;rksa ds fuiVku gsrq ,d eap fuxZeu gsrq ¼jk-vk-cSad½ funs'k] 2014(iznku djus ds y{; ds lkFk jk-vk-cSad dsUnzhd`r

iii½ ekLVj ifji= & mfpr O;ogkj lafgrk( lkoZtfud f'kdk;r fuokj.k rFkk fuxjkuh iz.kkyh

¼lhihthvkj,,e,l½] Hkkjr ljdkj dk iz'kklfud iv½ ekLVj ifji= & lHkh vkokl foÙk daifu;kas dks

lq/kkj ,oa lkoZtfud f'kdk;r foHkkx ¼Mh,vkjihth½ tkjh fofo/k funs'k

v k S j le s fdr f' kdk;r fuo kj. k r a=

¼vkbZ,uthvkj,,e½] miHkksDrk ekeys foHkkx] Hkkjr v½ ekLVj ifji= & vkokl foÙk daifu;ka & ys[kk ljdkj dk Hkh lnL; gSA lHkh iathd`r vkokl foÙk ijh{kdksa dh fjiksVZ ¼jk"Vªh; vkokl cSad½ funs'k] daifu;ksa ds chp tkx:drk ykus vkSj jk"Vªh; miHkksDrk 2016gsYiykbu ¼,ulh,p½ ds lkFk vfHklj.k Hkkxhnj cuus

vi½ vkokl foÙk daifu;ka & vfHkxzg.k ;k fu;a=.k ds fy, dsanzh; miHkksDrk ekeys ea=ky; }kjk tkjh gLrkarj.k ds fy, vuqeksnu ¼jk"Vªh; vkokl cSad½ funsZ'k ds vuqlkj] lHkh vk-fo-da- dks Lo;a dks jk"Vªh; funs'k] 2016 miHkksDrk gsYiykbu ¼,ulh,p½ ds lkFk iathd`r gksus

gsrq lwfpr fd;k x;k Fkk rkfd jk"Vªh; miHkksDrk vii½ vkokl foÙk daifu;ka & dkWjiksjsV vfHk'kklu gsYiykbu }kjk izkIr fd'kdk;rksa dks lh/ks lacaf/kr ¼jk"Vªh; vkokl cSad½ funs'k] 2016daifu;ksa dks vxzsf"kr fd;k tk lds rkfd bu f'kdk;rksa

le;≤ ij vkokl foÙk daifu;ksa vkSj muds ds fuiVku dh izfØ;k vklku gks ldsA ijh{kdksa dks jk-vk-cSad }kjk tkkjh lHkh vf/klwpuk,a]

4-4-6

46

ifjpkyu

47

4-4-7

4-4-9 vU; fofu;ked fudk;ksa ds leUo; lkFk

4-4-10 dsokbZlh vkSj ,,e,y xfrfof/k;ka

4-4-8 lrdZrk lwpuk tkjh djuk

4-4-11

foÙk o"kZ 2018&19 ds nkSjku] dqy 6640 f'kdk;rsa dqy 102 diViw.kZ ?kVukvksa esa jk-vk-cSad }kjk 6 3 lrdZrk lwpuk tkjh dh xbZAizkIr gqbZ vkSj 7605 f'kdk;rksa dk fuiVkjk dj fn;k

x;k vkSj 2708 f'kdk;rsa yafcr gSaA bl izfØ;k dks rst

djus ds fy, f'kdk;rksa ds fuiVku ij vihy ntZ djus

dh izfØ;k dks vkWuykbu dj fn;k x;k gSA cSad us jk-vk-cSad fjtoZ cSad }kjk cqykbZ xbZ jkT; Lrjh;

xzkgdksa ds chp tkx:drk iSnk djus vkSj C;kt nj leUo; lfefr dh cSBdksa esa lgHkkfxrk ntZ djrs gq,

iqufuZ/kkZj.k] C;kt nj ds izdkj vFkkZr vfLFkj vkSj bl cSBd esa Hkkx ysus okys vU; fofu;ked izkf/kdj.kksa

fLFkj] _.kksa dk izys[khdj.k] vkokl _.kksa dks le; iwoZ ;Fkk jkT; iqfyl foHkkx] jkT; ljdkjksa ds ea=ky;@

can djuk] iz/kkuea=h vkokl ;kstuk _.k vk/kkfjr foHkkx] vkfFkZd vijk/k 'kk[kk] daiuh iath;d] daiuh

lfClMh ;kstuk ¼ih,e,okbZ& lh,y,l,l½ ds varxZr fof/k cksMZ] Hkkjrh; izfrHkwfr ,oa fofue; cksMZ] Hkkjrh;

ik=rk 'krsZa vkfn tSls fujarj eqÌksa ij xzkgdksa dks f'kf{kr lunh ys[kkdkj laLFkku bR;kfn ds lkFk fujarj leUo;

djus gsrq ih,e,okbZ&lh,y,l,l vkSj lkekU; vkokl dj jgk gSA o"kZ 2018&19 ds nkSjku] jk-vk-cSad us

_.k nksuksa ij izk;% iwNs tkus okys iz'u ¼,Q,D;w½ dh fofHkUu {ks=ksa dh 18 ,l,ylhlh cSBdksa esa Hkkx fy;kA

,d O;kid lwph tkjh dh gSA foÙk o"kZ 2018&19 esa] jk-vk-cSad fjtoZ cSad@ vkbZvkjMh, }kjk vkokl foÙk

ifjpkyu ds lHkh Lrjksa ij izHkkoh f'kdk;r fuiVku ij daifu;kas vkSj mudh xzqi daifu;ksa ds lanfHkZr fo"k;ksa ij

vk-fo-da dks tkx:d cukus ds fy, f'kdk;r fuokj.k vk;ksftr vUrj fofu;ked cSBdksa esa Hkh Hkkx ysrk gSA

ra= ij cSad }kjk nks dk;Z'kkykvksa dk vk;kstuk fd;k

x;kA

/ku 'kks/ku dh jksdFkke vf/kfu;e] 2002 ¼ih,e,y,½ ds

rgr vkokl foÙk daifu;kas ds dqN nkf;Ro gSa] ftlesa

jk- vk- cSad us lHkh vkokl foÙk daifu;kas dks psrkouh Hkkjh udnh vkSj lafnX/k ekeyksa dh fjiksVZ

i= tkjh dh tSlsfd fjtoZ cSad@Hkkjrh; cSad la?k }kjk ,QvkbZ;w&vkbZ,uMh dks udnh ysunsu fjiksVZ

vius lnL; cSadksa ds lkFk lwpuk lak>k dh tkrh gSA ¼lhVhvkj½ vkSj lafnX/k ysunsu fjiksVZ ¼,lvhvkj½

vkokl foÙk daifu;kas }kjk diViw.kZ ysunsuksa ds ckjs esa Hkstuk Hkh 'kkfey gSA jk"Vªh; vkokl cSad vkokl bl

lwpuk frekgh vk/kkj ij jk-vk-cSad dks Hksth tkrh gSA eqn~ns ij vk-fo-da- ds fofHkUu laokn vkSj fujh{k.kksa ds

vkokl foÙk daifu;kas ls izkIr lwpuk dks diViw.kZ nkSjku tkx:d djrk gSA

dkjZokbZ ds C;kSjs vkSj mlds dkj.kksa lfgr lHkh vkokl pqdrk iwath] fuoy Lokf/kd`r fuf/k vkSj cdk;k

foÙk daifu;kas dks Hkstk tkrk gSA bl mik; dk iz;ksx vkokl _.kksa ds :i esa vk-fo-da- ds lexz dk;Z

fofHkUu _.knkrk laLFkkuksa esa mfpr tkap fcanq LFkkfir fu"ikndrk dks vuqca/k – XXIII esa fn;k x;k gSA

djus esa lgk;rk gsrq fd;k tkrk gS rkfd vkokl {ks= esa

,slh diViw.kZ ?kVukvksa dh iqujko`fr ij jksdFkke gks

ldsA o"kZ 2018&19 esa vk-fo-da- }kjk fjiksVZ fd, x,

6 fiNys foÙk o"kZ ds yafcr 3]673 f'kdk;rksa lfgr


48

4-5 lao/kZu vkSj fodkl

4-5-1

4-5-2 bfDoVh lgHkkfxrk vkSj cSad }kjk bfDoVh

fgLlsnkjh dh fcØh

ysunsuksa] foÙkh; vkfLr;ksa ds vkfLr iquxZBu vkSj

laifÙk ij izfrHkwfr fgr ds xBu dk iathdj.k jk-vk-cSad ds vf/kns'k ds vuqlkj bls ,d ,slh

djuk gS tSlsfd foÙkh; vkfLr;ksa dk izfrHkwfrdj.k iz/kku ,tsalh ds :Ik esa dke djuk gS tks vkokl foÙk

vkSj iquxZBu rFkk izfrHkwfr fgr dk izorZu laLFkkuksa dks viuh _.k nsus ds usVodZ dks csgrj rFkk

vfèkfu;e] 2002 ¼ljQslh vf/kfu;e½ ds v/;k; 4 etcwr djus gsrq izksRlkfgr djsA jk-vk-cSad us u dsoy

esa mYys[k fd;k x;k gSA ;Fkk 30 twu] 2019 dks u, mRiknksa dk fodkl fd;k gS vkSj u, laLFkkuksa dks

lhbZvkj,l,vkbZ dh bfDoVh 'ks;j iwath esa jk-vk-fodflr fd;k gS cfYd vkokl vkSj vkokl foÙk {ks= esa

cSad dk dqy fuos'k 2-44 djksM+ :Ik;s gSAdk;Zjr laLFkkuksaa dh {kerk fuekZ.k esa Hkh layXu jgk gSA

jk-vk-cSad dsUnzh;@ jkT; ljdkjksa ds dk;ZØeksa@ • rfeyukMq bUÝkLVªDpj QaM eSustesaV dkiksZjs'ku ;kstukvksa ds dk;kZUo;u dh uksMy ,tsalh ds :Ik esa Hkh fy0 ¼Vh,uvkbZ,Q,elh½ ,d vkfLr izca/ku daiuh dke djrk gSA gS ftldk xBu daiuh vf/kfu;e] 2013 ds rgr

fd;k x;k vkSj rfeyukMq fuos'k fodkl cksMZ

¼Vh,uvkbZMhch½ }kjk laof/kZr fd;k x;k] tks

rfeyukMq esa cqfu;knh <kaps ds fodkl ds fy, jk-vk-cSad us fuEufyf[kr vkokl foÙk daifu;ksa@ xfBr ,d lkafof/kd cksMZ gS vkSj Vh,uvkbZMhch laLFkkuksa dks bfDoVh lgHkkfxrk ds :Ik esa foÙkh; vf/kfu;e] 2012 }kjk vfHk'kkflr gSA ;Fkk 30 twu] lgk;rk iznku dh gS % 2019 dks Vh,uvkbZ,Q,elh dh bfDoVh 'ks;j iwath

esa jk-vk-cSad dk dqy fuos'k 5-40 djksM+ :Ik;s gSA• lsaV cSad gkse Qkbusal fyfeVsM ¼lhch,p,Q,y½

jk"Vªh; vkokl cSad ls iathd`r ,d vkokl foÙk • bafM;k ekVZxst xkjaVh dkiksZjs'ku izkbosV fy- daiuh gSA ;g lsaVªy cSad vkWQ bafM;k dh lgk;d ¼vkbZ,ethlh½ dk xBu jk-vk-cSad] tsuoFkZ daiuh gSA jk"Vªh; vkokl cSad dh lsaV cSad gkse Qkbusaf'k;y ekWjh'kl gksfYMaXl fy- ¼tsuoFkZ½] Qkbusal fyfeVsM esa o"kZ 1991 ls 16 izfr'kr dh ,f'k;kbZ fodkl cSad ¼,Mhch½ vkSj baVjus'kuy fgLlsnkjh gSA ;Fkk 30 twu] 2019 ds vuqlkj lsaV Qkbusal dkiksZj'ku ¼vkbZ,Qlh½ }kjk fd;k x;kA cSad gkse Qkbusal fyfeVsM dh bfDoVh 'ks;j iwath esa ;Fkk 30 twu] 2019 dks vkbZ,ethlh dh bfDoVh jk"Vªh; vkokl cSad dk dqy fuos'k 5-10 djksM+ 'ks;j iwath esa jk-vk-cSad dk dqy fuos'k 76 djksM+ #i;s gSA :Ik;s gSA

• Hkkjrh; izfrHkwfrdj.k ifjlaifÙk iqufuZekZ.k vkSj • Hkkjrh; y?kq m|ksx fodkl cSad ¼flMch½ lw{e] y?kq izfrHkwfr LoRo dh dsanzh; jftLVªh ¼ljlkbZ½ daiuh ,oa e/;e m|eksa ds lao/kZu] foÙk iks"k.k ,oa fodkl vf/kfu;e] 1956 dh /kkjk 25 ds rgr ykblsal izkIr rFkk leku xfrfof/k;ksa esa yxs laLFkkuksa ds dk;ksZa esa daiuh gSA Hkkjrh; izfrHkwfrdj.k ifjlaifÙk leUo; gsrq iz/kku foÙkh; laLFkku gSA fnukad 29-iqufuZekZ.k ,oa izfrHkwfr LoRo dh dsanzh; jftLVªh dk 12-2017 ls lhMch esa jk-vk-cSad dh 4-89 izfr'kr mÌs'; foÙkh; vkfLr;ksa ds izfrHkwfrdj.k ds fgLlsnkjh gSA ;Fkk 30 twu] 2019 dks flMch dh

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dqy pwdrk bfDoVh iwath esa jk-vk-cSad dk dqy ,yvkbZth oxksZa ls lacaf/kr vkcknh ds chp vokl

fuos'k 642-20 djksM+ :i, gSA _.kksa dh oguh;rk esa lq/kkj gsrq vkoklu ,oa 'kgjh

dk;Z ea=ky; Hkkjr ljdkj us 26 fnlacj] 2008 ls foÙk o"kZ 2018&19 ds nkSjku] cSad us lsok x`g _.k

30 flracj] 2013 rd bl ;kstuk ykxw dhA ;kstuk fyfeVsM ¼,lthvkj,y½ vkSj efganzk :jy gkmflax

ds rgr] izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ Qkbusal fyfeVsM esa viuh iwjh bfDoVh fgLlsnkjh dk

}kjk bZMCY;w,l@ ,yvkbZth ykHkkfFkZ;ksa dks fn;s 1 fofuos'k dj fy;kA fgLlsnkjh fcØh dk C;kSjk

yk[k :Ik;s rd ds _.kksa ij _.k dh iwjh vof/k vuqca/k – XIV esa fn;k x;k gSA

rd ¼15&20 o"kZ½] 5 izfr'kr izfro"kZ dh nj ls

C;kt lfClMh nh xbZA bZMCY;w,l O;fDr;ksa ds fy,

vf/kdre _.k jkf'k 1 yk[k :Ik;s vkSj ,yvkbZth • 1 izfr'kr C;kt jkgr ;kstuk & ns'k esa vkcknh O;fDr;ksa dks 1-60 yk[k :Ik;s FkhA C;kt lfClMh

ds fuEu ,oa e/;e vk; oxZ esa vkol gsrq _.k dh fuoy orZeku ewY; ¼,uihoh½ vkSj ,d eq'r vk/kkj ekax dh t:jr dks iwjk djus ds fy, foÙkh; lsok,a ij nh xbZA ;g ;kstuk cSadksa vkSj vk-fo-da- }kjk foHkkx ¼Mh,Q,l½] foÙk ea=ky;] Hkkjr ljdkj us ykxw dh xbZA ;kstuk ds rgr fofHkUu jkT;ksa }kjk fnukad 01 vDrwcj] 2009 dks 1 izfr'kr C;kt jkgr jkT; Lrjh; uksMy ,tsafl;ka fu;qDr dh xbZa ;kstuk is'k dhA 10 yk[k :Ik;s rd ds lHkh ftlls ;kstu ds lQy dk;kZUo;u ds fy;s ik= O;SfDrd vkokl _.kksa ij] c'krsZ vkokl bdkbZ dk ykHkkfFkZ;ksa dh igpku dh tk ldsA jk-vk-cSad dks ewY; 20 yk[k :Ik;s rd gks] C;kt esa 1 izfr'kr dh ;kstuk ds dk;kZUo;u ds fy;s dsUnzh; uksMy NwV nh xbZA foÙk o"kZ 2011&12 ls] ;g ;kstuk 15 ,tsalh ds :Ik essa euksuhr fd;k x;kA ;g ;kstuk yk[k :Ik;s rd vkokl _.kksa ds fy;s c<+k nh xbZ 30 flracj] 2013 ls izpyu esa ugha gSA 30 twu] ftlesa edku dk ewY; 25 yk[k :Ik;s rd gksA ;g 2019 rd] 19 izkFkfed _.knkrk laLFkku ;kstuk vuqlwfpr okf.kfT;d cSadksa] {ks=h; xzkeh.k ¼ih,yvkbZ½ ds ek/;e ls 12]318 ykHkkfFkZ;ksa dks 12-cSadksa vkSj vkokl foÙk daifu;ksa }kjk ykxw dh xbZA 48 djksM+ :Ik;s dh jkf'k laforfjr dh xbZA2012&13 ls] jk-vk-cSad dks bl ;kstuk ds

• jktho _.k ;kstuk ¼vkjvkjokbZ½ & vkoklu dk;kZUo;u ds fy;s ,d uksMy ,tsalh ds :Ik esa ,oa 'kgjh dk;Z ea=ky;] Hkkjr ljdkj us 'kgjh {ks=ksa ukfer fd;k x;kA ;g ;kstuk 01 vDrwcj] 2009 ls esa jgus okys bZMCY;w,l@,yvkbZth oxksZa dh 31 ekpZ] 2013 rd ifjpkyu esa jgh vkSj jk-vk-cSad vkokl dh t:jr dks /;ku esa j[krs gq, ,d us 95 izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ ¼34 vfrfjDr lk/ku ds :i esa vkSj vkokl _.k jkf'k vuqlwfpr okf.kfT;d cSad] 30 {ks=h; xzkeh.k cSad dks 1 yk[k :i, ls c<+kdj 5 yk[k :i, djrs gq, vkSj 31 vk-fo-da-½ }kjk izLrqr fd;s nkoksa ds vk/kkj 'kgjh xjhc vkokl gsrq C;kt lfClMh ;kstuk dks ij yxHkx 18 yk[k ysu&nsu ds fy;s 816 djksM+ la'kksf/kr fd;k bls jktho _.k ;kstuk dk u;k :Ik;s dh lfClMh laforfjr dhAuke fn;kA jktho _.k ;kstuk fnukad 1 vDrwcj]

• 'kgjh xjhcksa ds vkokl gsrq C;kt lfClMh 2013 ls izHkkoh gSA ;kstuk ds rgr bZMCY;w,l ds ;kstuk ¼bZ'ki½ & 'kgjh {ks=ksa esa bZMCY;w,l@

4-5-3 fofHkUu ljdkjh dk;ZØeksa esa Hkkxhnkjh


50

fy;s _.k lhek la'kksf/kr djds 5 yk[k :Ik;s vkSj [kjhnus rFkk LFkkfir djus ds fy;s udn lfClMh

,yvkbZth ykHkkfFkZ;ksa ds fy;s 8 yk[k :Ik;s dj nh ds :Ik esa mi;qDr izksRlkgu nsuk gSA ;kstuk ds

xbZA gkykafd] nksuksa Jsf.k;ksa ds ykHkkfFkZ;ksa ds fy;s 5 dk;kZUo;u vkSj fuxjkuh dk;Z ds fy;s jk-vk-cSad

yk[k :Ik;s rd ds vkokl _.kksa ij C;kt lfClMh dks ,d uksMy ,tsalh ds :Ik esa ukfer fd;k x;k

nh xbZA ;kstuk ds rgr ik= _.knkrk laLFkkuksa esa gSA ;g ;kstuk 01 vizSy] 2014 ls 'kq: gqbZ vkSj

vuqlwfpr okf.kfT;d cSad] vkokl foÙk daiuh vkSj ;kstuk ds rgr vkus okys ik= ykHkkfFkZ;ksa dks 01

{ks=h; xzkeh.k cSad 'kkfey FksA ;kstuk ds rgr vizSy] 2014 o mlds ckn _.k laforfjr fd;s

jk"Vªh; vkokl cSad vkSj gMdks 2 uksMy ,tsafl;ka x;sA ;g ;kstuk 31 fnlEcj] 2015] ;k ,e,uvkjbZZ

FkhaA foÙkh; laLFkkuksa ls vkokl _.k ysus okys ik= }kjk vuqeR; vof/k rd ekU; gSA jk-vk-cSad dks

m/kkjdrkZvksa dks 15&20 o"kksZa dh _.k vof/k ds uohu ,oa uohdj.kh; ÅtkZ ea=ky; ¼,e,uvkjbZ½

fy, frekgh vk/kkj ij 5 izfr'kr dh C;kt lfClMh ls 52-35 djksM+ :Ik;s dh jkf'k izkIr gqbZA lkSj ty

miyC/k djkbZ xbZA m/kkjdrkZvksaa dh vk; dks rkid iz.kkyh ds fy;s udn lfClMh ;kstuk

vkoklu ,oa 'kgjh dk;Z ea=ky; ds fn'kk&funsZ'kksa ,e,uvkjbZ }kjk 1 vDrwcj] 2014 ls lekIr dj nh

ds vuqlkj jkT; Lrjh; uksMy ,tsafl;ksa }kjk xbZA gkykafd] lkSj vkokl izdk'k iz.kkyh ds fy;s

izekf.kr fd;k tkuk visf{kr FkkA jktho xka/kh lfClMh ;kstuk mUgha 'krksZa ij tkjh gS tks

;kstuk ds rgr izkFkfed _.knkrk laLFkku ,e,uvkjbZ }kjk ewy :i ls Lohd`r FkhA lkSj

¼ih,yvkbZ½ }kjk jk"Vªh; vkokl cSad ds lkFk 28 vkokl izdk'k iz.kkyh ds ekeys esa lfClMh dh jkf'k

le>kSrk Kkiuksa ij gLrk{kj fd;s x; FkssA 30 twu] 300 okV dh {kerk;qDr bdkbZ;ksa ds fy;s cssapekdZ

2019 rd] 5 izkFkfed _.knkrk laLFkku ykxr dk 40 izfr'kr vkSj 300 okWV ls 1000 okWV

¼ih,yvkbZ½ ds ek/;e ls 231 ykHkkfFkZ;ksa dks 56-31 rd dh bdkbZ;ksa ds fy, csapekdZ ykxr ds 30

yk[k :Ik;s dh lfClMh nh xbZA vkokl ,oa 'kgjh izfr'kr rd lhfer gSA bu csapekdZ ykxrksa dk

xjhch mi'keu ea=ky; ¼vc vkoklu ,oa 'kgjh fu/kkZj.k uohu ,oa uohdj.kh; ÅtkZ ea=ky;

dk;Z ea=ky;½ ds fnukad 16 vizSy] 2015 ds i= la ¼,e,uvkjbZ½ }kjk le;≤ ij fd;k tkrk gSA

,Q la-14013@9@2014&,p@,QVh,l&11839 bl ;kstuk esa Hkkx ysus okys ik= laLFkku gSa &

ds vuqlkj jktho _.k ;kstuk vc izpyu esa ugha vkokl foÙk daifu;ka ¼vk-fo-da½-] vuqlwfpr

gSA okf.kfT;d cSad ¼,llhch½] {ks=h; xzkeh.k cSad

¼vkjvkjch½] 'kgjh lgdkjh cSad ¼;wlhch½] 'kh"kZLFk • ?kjsyw iz;ksx ds fy;s lkSj ÅtkZ ds iz;ksx dks c<+kok lgdkjh vkokl foÙk lfefr;ka ¼,lh,p,Q,l½

nsus ds mÌs’; ls] uohu ,oa uohdj.kh; ÅtkZ vkSj d`f"k ,oa xzkeh.k fodkl cSad ¼,vkjMhch½A jk-ea=ky;] Hkkjr ljdkj us vius tokgjyky usg: vk-cSad us ;kstuk ds rgr 1 lkoZtfud {ks= ds cSad] jk"Vªh; lkSj fe'ku ¼ts,u,u,l,e½ ds rgr ?kjksaaa 1 futh {ks= ds cSad] 3 vkokl foÙk daifu;ka vkSj 2 esa lkSj ty rkid ,oa lkSj izdk'k iz.kkfy;ksa {ks=h; xzkeh.k cSad lfgr lkr laLFkkuksa ds lkFk ds dk;kZUo;u gsrq iwathxr lfClMh ;kstuk le>kSrk Kkiu ij gLrk{kj fd, gSaA 30 twu] 2019 dk dk;kZUo;u fd;kA bl ;kstuk dk mÌs'; ?kjksa rd] jk-vk-cSad }kjk 18]979 YkkHkkfFkZ;ksa ds fy;s 2 essa lkSj ty rkid rFkk lkSj izdk'k iz.kkyh dks cSadksa] 2 vkokl foÙk daifu;ksa vkSj 2 {ks=h; xzkeh.k

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cSadksa dks 30-64 djksM+ :Ik;s ¼fuoy /ku okilh½ 10 vuqlwfpr okf.kfT;d cSad] 4 vkokl foÙk

laforfjr fd;s x, FksA daifu;ka vkSj 1 {ks=h; xzkeh.k cSad 'kkfey gSaA

• Hkkjr ljdkj us yf{kr oxksZa ¼bZMCY;w,l@ • ^^o"kZ 2022 rd lcds fy, vkokl^^ fe’ku ds

,yvkbZth m/kkjdrkZvksa½ dh vko';drk dh iwfrZ rgr iz/kkuea=h vkokl ;kstuk ¼ih,e,okbZ½%

ds fy, 'kgjh {ks=ksa esa vkokl ds laLFkkxr _.k dk ^^Ok"kZ 2022 rd lcds fy, vkokl** ds rgr

csgrj izokg lqfuf'pr djus gsrq fnukad iz/kkuea=h vkokl ;kstuk ¼'kgjh ,oa iz/kkuea=h

01 ebZ] 2012 dks fuEu vk; vkokl ds vkokl ;kstuk ¼xzkeh.k½ dks dk;kZfUor fd;k x;k

fy, _.k tksf[ke xkjaVh fuf/k gSA

¼lhvkjth,QVh,yvkbZ,p½ dh LFkkiuk dhA iz/kkuea=h vkokl ;kstuk ¼'kgjh½ & _.k

bl U;kl dk izca/ku jk-vk-cSad }kjk fd;k tkrk gSA vk/kkfjr lfClMh ;kstuk & _.k vk/kkfjr

_.k tksf[ke xkjaVh fuf/k ;kstuk ¼fnukad 01 lfClMh ;kstuk ds ek/;e ls detksj oxksZa ds

vDrwcj] 2014 ls izHkkoh½ _.knkrk laLFkkuksa }kjk fy;s fdQk;rh vkokl dk lao/kZu ih,e,okbZ¼;w½ ds

laLohd`r ,oa laforfjr 8 yk[k :Ik;s rd ds lHkh rgr pkj ?kVdksa esa ls ,d gS ftls izkFkfed

vkokl _.kksa ds fy;s xkjaVh nsrh gS ,oa ;g xkjaVh _.knkrk laLFkku ¼ih,yvkbZ½ ;Fkk vuql w f pr

doj 5 yk[k :Ik;s rd gh lhfer gSA blls iwoZ okf.kfT;d cSadksa ¼,llhch½] vkokl foÙk daifu;ksa

'kgjh {ks=ksa esa bZMCY;w,l@,yvkbZth oxksZa ds ¼vk-fo-da-½] {ks=h; xzkeh.k cSadksa ¼vkjvkjch½]

m/kkjdrkZvksa dks ?kjksa ds mUu;u] fuekZ.k ,oa lgdkjh cSadksa] LekWy Qkbusal cSadksa ¼,l,Qch½ vkSj

vfHkxzg.k ,oa 430 oxZ QhV ¼40 oxZ eh-½ rd dh xSj&cSafdax foÙk daiuh & lw{e foÙk laLFkkuksa

vkdkj dh ubZ vFkok iqjkuh vkoklh; bdkbZ;ksa dh ¼,uch,Qlh& ,e,QvkbZ½ }kjk dk;kZfUor fd;k

[kjhn ds fy, fcuk fdlh laikf'oZd izfrHkwfr ,oa x;k gSA iz/kkuea=h vkokl ;kstuk ds lh,y,l,l

vFkok r`rh; i{k dh xkjaVh ds 5 yk[k :i, rd ds ?kVd dk dk;kZUo;u djus ds fy, vkoklu ,oa

lHkh vkokl _.k ik= FksA bl ;kstuk ds rgr 'kgjh dk;Z ea=ky; }kjk jk-vk-cSad dks dsanzh;

xkjaVh doj dh lhek 2 yk[k :Ik;s rd Lohd`r uksMy ,tsalh ds rkSj ij fpfUgr fd;k x;k gSA

vkokl _.k dk 90 izfr'kr vkSj 2 yk[k :Ik;s ls _.k vk/kkfjr lfClMh ;kstuk ̂ ^lcds fy, vkokl

vf/kd Lohd`r vkokl _.k dk 85 izfr'kr rd gSA fe’ku** ds egRoiw.kZ ?kVdksa esa ls ,d gS vkSj ;g

izeq[k cSadksa vkSj vkokl foÙk daifu;ka igys gh dsUnzh; {ks= dh ;kstuk gSA vc _.k vk/kkfjr

Hkkjr ljdkj ds bl iz;kl ds dk;kZUo;u ds fy, lfClMh ;kstuk esa vkfFkZd :i ls detksj

djkj fu"ikfnr dj pqds gSaA ;Fkk 30 twu] 2019 oxZ@fuEu vk; lewg gsrq _.k vk/kkfjr lfClMh

rd] ;kstuk ds rgr U;kl ds lkFk 80 laLFkkuksa us ;kstuk ¼bZMCY;w,l@,yvkbZth gsrq lh,y,l,l½

le>kSrk Kkiuksa ij gLrk{kj fd;s vkSj 15 lnL; vkSj e/;e vk; lewg gsrq _.k vk/kkfjr lfClMh

_.knkrk laLFkkuksa ds 1]990 _.k [kkrksa ds fy;s ;kstuk ¼,evkbZth ds fy, lh,y,l,l½ uked nks

xkjaVh doj fn;k] blesa bZMCY;w,l @,yvkbZth Jsf.k;ka doj gksrh gSaA _.k vk/kkfjr lfClMh

Jsf.k;ksa ds fy;s 56-71 djksM+ :Ik;s dh dqy _.k ;kstuk ¼bZMCY;w,l@,yvkbZth gsrq lh,y,l,l½

jkf'k 'kkfey gSA bu lnL; _.knkrk laLFkkuksa esa


52

vkSj e/;e vk; lewg gsrq _.k vk/kkfjr lfClMh ¼48]499-50 djksM+ :i, dh jkf'k dk _.k

;kstuk ¼,evkbZth ds fy, lh,y,l,l½ dk C;kSjk laforj.k½ fd;kA

uhps fn;k x;k gSA ,evkbZth ds fy;s lh,y,l,l% ;g ;kstuk 01

bZMCY;w,l@,yvkbZth ds fy, lh,y,l,l% tuojh] 2017 ls izHkkoh gSA ,evkbZth gsrq

;g ;kstuk 17 twu] 2015 dks is'k dh xbZ vkSj 31 lh,y,l,,l esa nks okf"kZd vk; Js.kh ;Fkk

ekpZ] 2022 rd ;g dk;kZfUor jgsxhA vkfFkZd :i ,evkbZth&I ds varxZr 6 yk[k :i, ls vf/kd ,oa

ls detksj oxZ ¼bZMCY;w,l½ ¼3 yk[k :Ik;s rd 12 yk[k :i, rd ,oa ,evkbZth&II ds varxZr 12

okf"kZd vk;½ ,oa fuEu vk; lewg ¼,yvkbZth½ ¼3 yk[k :i, ls vf/kd ,oa 18 yk[k :i, rd vkrs

yk[k :Ik;s ls vf/kd vkSj 6 yk[k :Ik;s rd gSaA ,evkbZth& I esa 9 yk[k :Ik;s rd dh _.k

okf”kZd vk;½ ls lacaf/kr ifjokj tks cSadksa] vk-fo-da- jkf'k ij 4 izfr'kr C;kt lfClMh feyrh gS vkSj

rFkk vU; ,sls gh vf/klwfpr laLFkkuksa ls vkokl ,evkbZth& II dks 12 yk[k :Ik;s rd dh _.k

_.k ysrs gSa os vf/kdre 20 o"kZ dh vf/kdre jkf'k ij 3 izfr'kr C;kt lfClMh feyrh gSA iwoZ esa]

vof/k ;k _.k dh ewy vof/k ¼iwoZ 31 fnlEcj] vkoklu ,oa 'kgjh dk;Z ea=ky;] Hkkjr ljdkj us

2016 rd] vf/kdre 15 o"kZ rd Fkh½] nksuksa esa ls tks ,evkbZth& I gsrq ekStwnk dkjisV ,fj;k dks 90

Hkh de gks] ds fy, 6-5 izfr'kr dh nj ls C;kt oxZehVj ls c<+kdj 120 oxZehVj vkSj ,evkbZth&

lfClMh ds fy, ik= gksaxsA II gsrq 110 oxZehVj ls c<+dkj 150 oxZehVj vkSj

vkxs mijksDr lhek dks c<+kdj ,evkbZth& I gsrq ;Fkk 30 twu] 2019 rd] 218 izkFkfed _.knkrk

120 oxZehVj ls 160 oxZehVj vkSj ,evkbZth& II laLFkku ¼ih,yvkbZ½ ftuesa 91 vk-fo-da-] 18

gsrq 150 oxZehVj ls 200 oxZehVj dj fn;k x;kA 7lkoZtfud {ks= ds cSad ] 17 futh {ks= ds cSad] 39

;Fkk 30 twu] 2019 rd] 209 izkFkfed _.knkrk {ks=h; xzkeh.k cSad] 35 lgdkjh cSad] 9 LekWy laLFkku ¼ih,yvkbZ½ ftuesa 89 vk-fo-da-] 18 Qkbusal cSad vkSj 9 ,uch,Qlh&,e,QvkbZ

8'kkfey Fks] us dsanzh; uksMy ,tsalh ds rkSj ij jk-vk- lkoZtfud {ks= ds cSad ] 18 futh {ks= ds cSad] 34

cSad ds lkFk le>kSrk Kkiu ij gLrk{kj fd;s vkSj {ks=h; xzkeh.k cSad] 33 lgdkjh cSad] 10 LekWy

;kstuk ds dk;kZUo;u gsrq jk-vk-cSad dks vkoklu Qkbusal cSad vkSj 7 ,uch,Qlh&,e,QvkbZ

,oa 'kgjh dk;Z ea=ky; ls 10]155 djksM+ :Ik;s dh 'kkfey Fks] us dsanzh; uksMy ,tsalh ds rkSj ij jk-vk-

vfxze lfClMh izkIr gqbZA bl fuf/k vkSj vftZr cSad ds lkFk le>kSrk Kkiu ij gLrk{kj fd;s vkSj

C;kt jkf'k esa ls] jk-vk-cSad us 4]33]856 ifjokjksa ds ;kstuk ds dk;kZUo;u gsrq jk-vk-cSad dks vkoklu 7 ,oa 'kgjh dk;Z ea=ky;] Hkkjr ljdkj ls 4]113 fy;s 159 izkFkfed _.knkrk laLFkkuksa ¼ih,yvkbZ½

djksM+ :Ik;s dh vfxze lfClMh izkIr gqbZA bl fuf/k dks ¼tkjh lfClMh+ikz ls fs lxa 'kYq d-lfClMh fjQMa ½ vkSj vftZr C;kt jkf'k esa ls] jk-vk-cSad us 1]89]508 10]060-13 djkMs + :Ik;s dk dqy laforj.k

7 LVsV cSad vkWQ chdkusj ,a< t;iqj] LVsV cSad vkWQ eSlwj] LVsV cSad vkWQ =ko.kdksj] LVsV cSad vkWQ ifV;kyk] LVsV cSad vkWQ gSnjkckn vkSj Hkkjrh; efgyk cSad dk fnukad 1 vizSy] 2017 dks Hkkjrh; LVsV cSad esa foy; gks x;kA blds vfrfjDr 1 vizSy] 2019 dks nsuk cSad dk foy; cSad vkWQ cM+kSnk esa gks x;kA 81 vizSy] 2019 dks nsuk cSad dk foy; cSad vkWQ cM+kSnk esa gks x;kA

ifjpkyu

53

ifjokjksa ds fy;s 137 izkFkfed _.knkrk laLFkkuksa ;kstuk cSafdax lqfo/kk,a] vkfn] lqlfTtr gksrs gSaA

vkokl efgyk ;k la;qDr :i ls ifr vkSj iRuh ds ¼ih,yvkbZ½ dks ¼tkjh lfClMh+izkslsflax 'kqYd-

chp ds uke vkcafVr fd;k tkrk gSA vkoklksa ds lfClMh fjQaM½ 4]001 djksM+ :Ik;s dk dqy

fuekZ.k ds fy, iwjh ftEesnkjh ykHkkFkhZ dh gksrh gS laforj.k ¼42]404-09 djksM+ :i, dh jkf'k dk _.k

vkSj Bsdsnkj dks dk;Z esa yxkuk izfrcaf/kr gSA laforj.k½ fd;kA

izR;sd vkbZ,okbZ vkokl ds lkFk lSfuVjh 'kkSpky; 30 twu] 2019 rd] jk-vk-cSad us le>kSrk Kkiu ij

vkSj /kqvkajfgr pqYgk dks fufeZr djus dh t:r gS gLrk{kj djus gsrq ,oa bl ;kstuk dks dk;kZfUor

ftlds fy, vfrfjDr foÙkh; lgk;rk Øe'k% djus ds ckjs esa izkFkfed _.knkrk laLFkku

**laiw.kZ LoPNrk dSaisu** vkSj ^^jktho xka/kh xzkeh.k ¼ih,yvkbZ½ dks tkx:d djus gsrq 25 dk;Z'kkykvksa

fo|qrhdj.k ;kstuk** ls iznku dh tkrh gSA dk vk;kstu fd;kA bu dk;Z'kkykvkasa dk mÌs';

xzkeh.k vkokl C;kt lfClMh ;kstuk ;kstuk dk;kZUo;u gsrq ,l,y,u, vkSj izkFkfed

¼vkj,pvkbZ,l,l½% iz/kkuea=h vkokl ;kstuk _.knkrk laLFkkuksa ds vf/kdkfj;ksa dks muds iz'uksa

& xzkeh.k ¼ih,e,okbZ&th½ xzkeh.k {ks=ksa ds fy;s ij Li"Vhdj.k gsrq muls ckrphr djuk gSA ;s

fnukad 01 vizSy] 2016 ls iz/kkuea=h vkokl ;kstuk dk;Z'kkyk,a xqokgkVh ¼2½] psUuS] eqEcbZ ¼2½] jk;iqj]

vkjaHk dh xbZ ftldk mÌs'; 2022 rd lHkh cs?kjksa cSaxyw: ¼2½] Hkksiky] gSnjkckn] y[kuÅ] iVuk]

vkSj dPps ?kjksa ds fuoklh ifjokjksa dks lHkh ewyHkwr Jhuxj] fr:oaUuriqje] jkaph] ubZ fnYyh ¼5½]

lqfo/kkvksa ls ;qDr iDds edku miyC/k djkuk gSA vgenkckn] dksydkrk] dksfgek] ,ukZdqye vkSj

gkykafd] ;g fuf'pr djus ds fy;s fd ,sls lHkh bZVkuxj esa vk;ksftr dh xbZaA

ifjokjksa dks Ik;kZIr lalk/ku miyC/k gks tks muds xzkeh.k vkokl% fiNys dqN o"kksZa esa ljdkj }kjk

fy;s vkoklh; bdkbZ;ksa ds fuekZ.k@lq/kkj djus ds foÙk iksf"kr xzkeh.k vkokl dk;ZØe] iz/kkuea=h

fy;s vko';d gksrs gSa vkSj tks ih,e,okbZ&th] vkokl ;kstuk&xzkeh.k ¼ih,e,okbZ&th½ ¼ftlus

xzkeh.k fodkl ea=ky;] Hkkjr ljdkj ds vUrxZr iwoZ dh bafnjk vkokl ;kstuk dh txg yh gS½ esa

ugha vkrs] ;g ;kstuk 2022 rd lcds fy, vkokl [kpZ esa o`f) ns[kh xbZ gSA ih,e,okbZ&th esa dsanz dk

ds rgr vkj,pvkbZ,l,l }kjk laLFkkxr _.k vkcaVu 2013&14 ds 13]200 djksM+ :i, ls c<+dj

rd vklku igaqp ds fy, 'kq: dh xbZ] ;s _.k o"kZ 2017&18 esa 23]000 djksM+ :i, ¼la'kksf/kr

ih,e,okbZ&;w ds rgr ugha vkus okys muds ?kjksa ds vuqeku½ gks x;k gSA ih,eokbZ&th ;kstuk ds rgr]

fuekZ.k@ lq/kkj ds fy;s t:jrean ifajokjksa dks vkoklksa ds fuekZ.k gsrq eSnkuh {ks=ksa esa 1]20]000 :-

fn;k tkrs gSaA ;kstuk ds vUrxZr dsUnzh; lgk;rk vkSj dfBu {ks=ksa esa 1]30]000 :- dh foÙkh; lgk;rk

ikus ds ik= ykHkkfFkZ;ksa esa os xzkeh.k ifjokj 'kkfey iznku dh tkrh gSA bl ;kstuk ds varxZr fufeZr

gksaxs tks ih,e,okbZ&th dh iDdh izrh{kk lwph esa edku vU; ;kstukvksa ds lkFk vfHklfjr vkSj

'kkfey ugha gSa vkSj ih,e,okbZ&;w ds rgr dksbZ 'kkSpky;] ,yihth dusD'ku] fctyh dusD'ku vkSj

ykHk izkIr ugha dj jgs gSaA ;g ;kstuk 01 ekpZ] ihus dk ikuh tSlh lqfo/kkvksa LoPN Hkkjr vfHk;ku

2017 ls izHkkoh gS vkSj ykHkkfFkZ;ksa dks 2 yk[k :Ik;s 'kkSpky;] mTToyk ;kstuk ,yihth xSl dusD'ku]

ds _.k ij] 20 o"kZ ;k _.k dh okLrfod vof/k lkSHkkX; ;kstuk fctyh dusD'ku vkSj tu/ku


54

rd] tks Hkh igys gks] 3 izfr'kr dh nj ls C;kt vkokl vkSj vkokl foÙk cktkj ds fodkl ds fy,

lfClMh feysxh] ,uihoh cV~Vk 9 izfr'kr gSA izfl) 'kks/k laLFkkuksa ds lg;ksx ls vausd vuqla/kku

vkj,pvkbZ,l,l ih,e,okbZ&;w ds rgr vius v/;;u fd;sA bu 'kks/k v/;;uksa ls u, mRikn

okys lkafof/kd 'kgjksa vkSj vkoklh; bdkbZ;ksa dks fodflr djus vkSj vkokl vkSj vkokl foÙk cktkj

NksM+dj iwjs Hkkjr esa ykxw gSA ;g izkFkfed ds lexz fodkl ds fy;s uhfr;ksa rFkk funs'kksa dks

_.knkrk laLFkku ¼ih,yvkbZ½ ;Fkk vuqlwfpr uohu fof/k ls ykxw djus esa cgqr lgk;rk feyhA

okf.kfT;d cSadksa] vk-fo-da- {ks=h; xzkeh.k cSadksa] ^^u, ,oa ekStwnk vkokl esa laifÙk chek** ij izkjaHk lgdkjh cSadksa] LekWy Qkbusal cSadksa vkSj fd;k x;k v/;;u Hkkjrh; chek laLFkku ,uch,Qlh&,e,QvkbZ ds ek/;e ls dk;kZfUor ¼vkbZvkbZvkbZ½] eqacbZ ds lkFk iwjk fd;k x;kA bl gksxhA lcds fy, vkokl fe'ku dh v/;;u us bl {ks= ds fof'k"V t:jrksa dks iwjk vkj,pvkbZ,l,l ?kVd dks dk;kZfUor djus ds djus ds fy, vkokl {ks= ds chek t:jrksa vkSj fy;s Hkkjr ljdkj] xzkeh.k fodkl ea=ky; }kjk jk- Hkkjr esa miyC/k ekStwnk laifÙk chek uhfr;ksa dh vk-cSad dks dsanzh; uksMy ,tsalh ukfer fd;k x;k tkap dhA blus Hkkjr esa laifÙk chek dk fodkl gSA flracj&vDrwcj] 2018 ds eghus esa jk-vk-cSad us vkSj cktkj lajpuk dks n'kkZ;k] ck/kkvksa dh igpku izkFkfed _.knkrk laLFkkuksa ds lkFk ijke'kZ dj dh vkSj fof'k"V vuq'kalkvksa ds ek/;e ls fofHkUu vkj,pvkbZ,l,l ij ,d izk;ksfxd ifj;kstuk dh fgr/kkjdksa gsrq j.kuhfr;ksa dk lq>ko fn;kA 'kq:vkr dh vkSj p;fur izkFkfed _.knkrk vuq'kalkvksa esa cktkj esa chek tkx:drk dk laLFkkuksa ls izkIr vkadM+s xzkeh.k fodkl ea=ky; dks fuekZ.k( jsjk dh /kkjk 16 ds varxZr izko/kkuksa dk izLrqr fd, vkSj rnuqlkj xzkeh.k fodkl ea=ky; l[r dk;kZUo;u( vklku uhfr;ksa dk fMtkbu us ijke'kZ dj fnukad 26&04&2019 ds i= ds djus dh t:jr( nkok fuiVku izfØ;k dks vklku ek/;e ls ;kstuk fn'kk&funsZ'k esa la'kks/ku tkjh cukuk( {ks= fo'ks"k f'kdk;r fuokj.k iz.kkfy;ka fd;kA blds vfrfjDr] 30 twu] 2019 rd] jk-vk- rS;kj djuk( izkFkfed _.knkrk laLFkkuksa gsrq cSad us ;kstuk ds dk;kZUo;u ds fy;s 88 izkFkfed fofu;ked izko/kkuksa esa NwV tSls ykHkksa dk foLrkj _.knkrk laLFkku ¼ih,yvkbZ½ ds lkFk le>kSrk vkfn 'kkfey gSA Kkiuksa dk fu”iknu fd;kA

vius 'kks/k igy ds Hkkx ds rkSj ij] jk-vk-cSad us

4-5-4 vuqla/kku v/;;u

ckWDl 4-1& u, ,oa ekStwnk vkokl esa laifÙk chek

'kks/k igyksa ds ,d iz;kl ds rkSj ij] jk-vk-cSad us Hkkjr esa laifÙk chek ds fodkl dks n'kkZus] iz.kkyh esa ck/kkvksa

dh igpku vkSj de fuos'k ds dkj.kksa dk irk ykxus gsrq ̂ ^u, ,oa ekStwnk vkokl esa laifÙk chek** ij v/;;u

izkjaHk fd;kA cSad us v/;;u iwjk djus ds fy, Hkkjrh; chek laLFkku] eqacbZ dh lsok,a yhA

bl v/;;u us bl {ks= ds fof'k"V t:jrksa dks iwjk djus ds fy, vkokl {ks= ds chek t:jrksa vkSj Hkkjr esa

ifjpkyu

miyC/k ekStwnk laifÙk chek uhfr;ksa dh tkap dhA v/;;u fjiksVZ ds vuqlkj] fLol jh- ds }kjk fd, x, v/;;u

ds vuqlkj Hkkjr 3-69 çfr'kr chek fuos'k ds lkFk 88 ns'kksa esa 41osa LFkku ij gSA tcfd oSf'od rkSj ij] Hkkjr esa

thou chek izhfe;e cuke xSj&thou chek izhfe;e 54-32 çfr'kr vkSj 45-68 çfr'kr Fkk] xSj&thou chek dh

fgLlsnkjh 25-27 çfr'kr Fkh tcfd blds myV thou chek dh fgLlsnkjh 74-73 çfr'kr FkhA v/;;u ds

voyksduksa@fu"d"kksZa ds vk/kkj ij] fjiksVZ esa u, ,oa ekStwnk vkokl esa laifÙk chek ds ca/k esa 15 igyqvksa dh

igpku dh vkSj Hkkjr esa laifÙk chek ds foLrkj gsrq [kkl vuq'kalk,a izLrqr dhA

vuq'kalk,a%

• jsjk dh /kkjk 16] tks izorZd dks Hkw&laink ifj;kstuk ds fuekZ.k ds laca/k esa ljdkj }kjk vf/klwfpr ,sls lHkh

chek dks izkIr djuk vfuok;Z cukrk gS] ds varxZr izko/kkuksa ds l[r dk;kZUo;u ds ek/;e ls mi;qDr chek

uhfr;ksa ds }kjk vkoklh; ifj;kstukvksa dks lgh rjhds ls lqjf{kr djus dh t:jr gSA

• vkokl foÙk m|ksx dks LoRo chek ,oa fufgr nks"k chek tSls u, is'k fd, x, mRiknksa ds ckjs esa lwfpr fd;k

tk,A fjiksVZ us vU; chek mRiknksa tSls fd fo'oLrrk xkjaVh chek] lqj{kk chek dh lkoZtfud is'kd'k

¼ihvks,lvkbZ½] deZpkjh {kfriwfrZ chek ds egRo ij Hkh izdk'k Mkyk gS tks fofHkUu tksf[keksa ds fo:) vkokl

m|ksx ds lacaf/kr i{kksa dks lqj{kk iznku dj ldrk gSA

• bl v/;;u us lq>ko fn;k gS fd chek daifu;ksa dks igys ls vklku uhfr;ksa dks fMtkbu djus ds vius iz;klksa esa

o`f) djus dh t:jr gS rkfd ?kj ds ekfydksa ds fy, muds lkFk dkjksckj djuk vklku gks tk,]

nLrkosthdj.k dks de fd;k tk,] nkok fuiVku iz.kkfy;ksa ,oa izfØ;kvksa dks vklku cuk;k tk,] lk/kkj.k 'kCnksa

esa xzkgd dh fparkvksa dks nwj fd;k tk,] mu yksxksa ds fy, chek lsokvksa dks miyC/k vkSj igqap ;ksX; cuk, tk,

tks eq[;/kkjk ls nwj gSa] chek dher fu/kkZj.k dks vf/kd ikjn'khZ cuk;k tk,] xzkgd vuqdwy iSdst mRikn

fMtkbu fd, tk,a vkSj {ks= fof'k"V f'kdk;r fuokj.k iz.kkfy;ksa dks rS;kj fd;k tk,A

• laifÙk dh chek jkf'k izR;sd ?kVd gsrq izLrkfor chek lqj{kk ds C;kSjk dks n'kkZrs gq, vuqok;Z :i ls lHkh ?kVdksa

dk C;kSjk ¼tSls fd [email protected]] pkgjnhokjh] vf/k"Bkiu] QuhZpj ,oa tqM+ukj vkfn dk ewY;½ izLrqr djasA

• chek fofu;ked lHkh chek daifu;ksa ds fy, ;g vfuok;Z djsa fd muds ikl FkksM+k de ;k T;knk rqyuh; dher

ij lkekU; U;wure lqj{kk nsus gsrq ekud chek lek/kku gksA

• fjiksVZ esa laifÙk chek dks izksRlkfgr djus gsrq miHkksDrkvksa dks vk;dj NwV] C;kt nj esa izrhdkRed deh vkSj

izkFkfed _.knkrk laLFkkuksa dks fofu;ked izko/kkuksa esa NwV tSls ykHk ds foLrkj dh Hkh vuq'kalk dh xbZ gSA

^^fjgk;'kh laifÙk ij LVkEi 'kqYd vkSj iathdj.k izHkkj vkbZvkbZ,e&cSaxyksj }kjk izkjaHk fd;k x;k vU;

esa cnykoksa dk izHkko vkSj lcds fy, vkokl dks lqyHk v/;;u vHkh py jgk gSA

cukus ds fy, jktLo rVLFk ekWMy dk lq>ko** ij

55


4-5-5 ,u,pch&jsthMsDl

,u,pch&jsthMsDl dk :ikarj.k

4-5-6 izf'k{k.k vkSj {kerk fuekZ.k

4-5-7

lEifr;ksa ds ewY;ksa esa mrkj&p<+ko dk ntZ djrk

gSA bu ewY;ksa dks vkoklh; bdkbZ ds dkjisV ,fj;k

ds vk/kkj ij rhu Jsf.k;ksa esa ckaVk tkrk gS ;Fkk ,u,pch&jsthMsDl] tksfd Hkkjr dk igyk

<=60 oxZ ehVj] >60 vkSj <=110 oxZ ehVj] vkSj vkf/kdkfjd vkokl ewY; lwpdkad ¼,pihvkbZ½ gS]

>110 oxZ ehVjA lwpdkadksa dh x.kuk ̂ysli;jht^ dks o"kZ 2007 dks vk/kkj o"kZ ekurs gq, frekgh i)fr ls] mRikn Js.kh ysoy ij Mk;usfed Hkkj dks vk/kkj ij p;fur 'kgjksa esa fjgk;'kh laifÙk;ksa ds yxkdj rFkk mRikn Js.kh Lrj ewY;ksa ds vkSlr ds ewY;ksa esa mrkj&p<+ko dh fuxjkuh gsrq tqykbZ] Hkkj vuqlkj LFkk;h vk/kkj o”kZ /;ku esa j[k dj] 2007 esa is'k fd;k x;kA vk/kkj o"kZ vkjaHk ls ysdj lHkh frekfg;ksa dks ysdj

orZeku eSØksbDukfed ifjn`’; dks n'kkZus dh n`f"V dh tkrh gSA

ls] ,u,pch&jsthMsDl dks u, vk/kkj o"kZ ¼foÙk o"kZ ,u,pch&jsthMsDl rduhdh ijke'kZ lfefr 2017&18 u;k vk/kkj o"kZ gS½] la'kksf/kr i)fr vkSj ifj;kstuk fodkl dh fuxjkuh djrh gS vkSj Lopkfyr izfØ;k ds lkFk dqN lwpdkadksa dks lwpdkadksa dks rS;kj o izdkf'kr djus dh ubZ 'kkfey djus ds fy;s la'kksf/kr fd;k x;kA ;g i)fr;ka fodflr djus esa ekxZn'kZu djrh gSA bl dojst Hkkjr esa 21 jkT;ksa rd QSyk gS ftlesa 18 lfefr esa Hkkjr ljdkj] fjtoZ cSad] jk-vk-cSad] jkT;@dsaæ 'kkflr jkt/kkfu;ka vkSj 33 LekVZ 'kgj izkFkfed _.knkrk laLFkku ¼ih,yvkbZ½ vkSj 'kkfey gSaA l'kksf/kr ,u,pch&jsthMsDl & ,u,vkjbZMhlhvks rFkk f'k{kkfon@fo'ks"kK 'kkfey ,pihvkbZ esa nks ewY; lwpdkadksa ds rgr 50 'kgjksa gSaAdks 'kkfey fd;k x;k gS ;Fkk ,pihvkbZ@vkdyu

ewY; vkSj fuekZ.kk/khu lEifr;ks a dk

,pihvkbZ cktkj ewY;A ,u,pch jsthMsDl esa 50 vius loa/kZukRed vf/kns'k ds igy ds rkSj ij] 'kgjksa ds fy, la;qä ,pihvkbZ vkdyu ewY; vkSj jk"Vªh; vkokl cSad us vkokl foÙk laLFkkuksa ds fuekZ.kk/khu laifÙk;ksa gsrq la;qä ,pihvkbZ cktkj fodkl vkSj {kerk fuekZ.k dh fn'kk esa iz;kl fd;k ewY; Hkh 'kkfey fd, x, gSa vkSj tuojh&ekpZ] gSA vU; ckrksa ds lkFk&lkFk lkekU; vkSj fof'k"V 2019 dks lekIr frekgh rd tkjh fd, x, gSaA izf'k{k.k dk;ZØeksa] lsfeukjksa vkSj laxksfB";ksa ds frekgh tuojh&ekpZ 2018 ls tuojh&ekpZ 2019 ek/;e ls ;g dke fd;k tkrk gSA ds ,pihvkbZ C;kSjs vuqca/k –XVI vkSj XVII ij

o"kZ 2019&19 ds nkSjku] jk-vk-cSad us iwjs Hkkjr esa fn;s x;s gSaA 50 'kgj Hkkjr ds 21 jkT;ksa ls gSa] buesa

12 izf'k{k.k dk;ZØeksa dk vk;kstu fd;k ftuesa 18 jkT;@dsUnz'kkflr jkt/kkfu;ka vkSj 33 LekVZ

vkokl foÙk daifu;ksa] vuqlwfpr okf.kfT;d cSadksa] 'kgj 'kkfey gSaA ,pihvkbZ frekgh vk/kkj ij] foÙk

{ks=h; xzkeh.k cSadksa ,oa lekWy Qkbusal cSadksa ds 437 o"kZ 2017&18 dks vk/kkj o"kZ ekudj] fjgk;lh

ls vf/kd izfrHkkfx;ksa us Hkkx fy;kA iwjs Hkkjr Hkj esa

@

@

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56

ifjpkyu

vkB fjgk;'kh dk;ZØe vkSj pkj xSj&fjgk;'kh gsrq vuqdwfyr dk;ZØe vk;ksftr fd, x,A

dk;ZØe vk;ksftr fd, x,A izf'k{k.k dk;ZØeksa dh vkSlr vof/k 2 ls 3 fnuksa dh FkhA bu dk;ZØeksa esa

• jk"Vªh; vkokl cSad vius lkafof/kd vkSj vkokl foÙk ij vfHkeq[khdj.k dk;ZØe ds lkFk gh lao/kZukRed vf/kns'k ds Hkkx ds rkSj ij vke turk xzkeh.k fodkl foÙk] fofu;ked <kapk vkSj vkokl dks viuh igyksa vkSj ;kstukvksa ls voxr djkus dk foÙk {ks= esa /kks[kk/kM+h xfrfof/k;ksa dh jksdFkke bjknk j[krk gSA jk-vk-cSad vius dkWjiksjsV lapkj laca/kh vkfn tSls O;kid fo"k;ksa ds fo'ks"kK dk;ZØe izdks"B ds ek/;e ls O;kid rkSj ij vkokl vkSj Hkh 'kkfey FksA izR;sd dk;ZØe gsrq dk;ZØe vkokl foÙk {ks= vkSj vkokl foÙk laLFkkuksa ,oa vuqlwph vkSj izf'k{k.k lkexzh izfrHkkxh izksQkby turk ds chp jk"Vªh; vkokl cSad dh Hkwfedk ds vkSj fiNys dk;ZØeksa ds QhMcSd ds lkFk lsDVj dh ckjs esa tk:drk iSnk djus dk dk;Z djrk gSA t:jrksa vkSj ekaxksa dks /;ku esa j[krs gq, dkWjiksjsV lapkj izdks"B fu;fer vk/kkj ij fofHkUu lko/kkuhiwoZd fMtkbu fd, x, FksA bu dk;ZØeksa xfrfof/k;ka djrk gS vkSj vkS|ksfxd fudk;ksa ds chp gsrq m|ksx vkSj vdknfed fo'ks"kKksa dks ladk; ds baVjQsl ds rkSj ij dk;Z djrk gS vkSj tkudkjh rkSj ij vkeaf=r fd;k x;k FkkA lg;ksx ds ek/;e ls lgk;rk djrk gS vkSj vkokl

o"kZ 2018&19 ds nkSjku ,d u, igy ds rkSj ij foÙk {ks= ls lacaf/kr p;fur dk;ZØeksa esa lgHkkfxrk

jk-vk-cSad us ns'k ds iwoksZÙkj Hkkx esa ,d [kkl vkSj lg&iz;kstu ds }kjk Hkh lgk;rk djrk gSA

izf'k{k.k dk;ZØe dk vk;kstu fd;kA bl dk;ZØe • cSad dks vkokl foÙk {ks= esa viuh xfrfof/k;ksa vkSj dks [kklrkSj ij iwoksZÙkj {ks=ksa ds izfrHkkfx;ksa gsrq

;ksxnkuksa gsrq le;≤ ij bysDVªkWfud vkSj fizaV fMtkbu fd;k x;k Fkk vkSj ns'k ds iwoksZÙkj esa nksuksa ek/;e esa jk"Vªh; vkSj {ks=h; ehfM;k esa fpf=r pqukSfr;ksa vkSj laHkkoukvksa dks blesa 'kkfey fd;k fd;k x;k gSA blds vfrfjDr] lapkj gsrq ,d x;k FkkA blds vfrfjDr] jk-vk-cSad us izf'k{k.k izHkkoh ek/;e ds rkSj ij lks'ky ehfM;k ds le; dk;ZØeksa esa efgyk lgHkkfxrk dks izksRlkfgr djus vkSj egRo ds vuq:i] jk-vk-cSad dh osclkbV dks gsrq ekpZ] 2019 ds ekg esa efgyk vf/kdkfj;ksa gsrq lks'ky ehfM;k tSls fd Qslcqd] fV~oVj vkSj vkokl foÙk ds mHkjrs ifjn`'; ij ,d dk;ZØe dk fyaDMbu ds lkFk tksM+k x;k gSA lHkh egRoiw.kZ vk;kstu fd;kA bl dk;ZØe esa lfØ; lgHkkfxrk tkudkfj;ksa dks osclkbV ij izdkf'kr djus ds ckn ns[kh xbZ vkSj blesa vkokl foÙk {ks= fof'k"V fo"k;ksa tYn ls tYn bu ek/;eksa ij v|frr fd;k tkrk ds lkFk usr`Ro vkSj efgykvksa ij l= 'kkfey fd, gSA x,A jktLFkku vkSj xqtjkr esa fofHkUu vkokl foÙk

daifu;ksa dh vuqjks/k ij fdQk;rh vkokl] _.k

vk/kkfjr lfClMh ;kstuk vkSj iz/kkuea=h vkokl • la;qDr jk"Vª ?kks"k.kk ds rgr izR;sd o"kZ vDrwcj

;kstuk ds ckjs esa vf/kdkfj;ksa dks laosnu'khy cukus ekg ds igys lkseokj dks fo'o Lrj ij fo'o

4-5-9 dkWjiksjsV lapkj

4-5-8

4-5-10 fo'o i;kZokl fnol lekjksg

57


i;kZokl fnol euk;k tkrk gSA o"kZ 2018 esa fnukad • pyfuf/k tksf[ke & ;g tksf[ke fuoy foÙkiks"k.k

05-10-2018 dks foKku Hkou esa fo'o i;kZokl dh vis{kkvksa dks iwjk djus esa cSad dh v{kerk ls

fnol euk;k x;kA LoPN Hkkjr vfHk;ku dks /;ku mRiUu gksrk gSA ;g cktkj ds vojks/kksa ;k ØsfMV

esa j[krs gq, fo'o i;kZokl fnol 2018 dk Fkhe jsfVax esa fxjkoV ds dkj.k gks ldrk gS] ftlls

^E;wfufliy Bksl vif'k"V izca/ku* FkkA jk-vk-cSad foÙkiks"k.k ds dqN lzksr vuqiyC/k gks ldrs gSaA

izR;sd o"kZ fo'o i;kZokl fnol lekjksg esa Hkkx • C;kt nj tksf[ke & ;g tksf[ke iquewZY; fu/kkZj.k

ysrk gSA bl o"kZ fo'o i;kZokl fnol lekjksg esa Jh ,oa@;k vkfLRk;ksa o ns;rkvksa ds chp ifjiDork dk

gjnhi iqjh] ekuuh; vkoklu ,oa 'kgjh dk;Z ea=h feyku u gksus ls mRiUUk gksrk gS] ftlls gekjs

}kjk vkokl Hkkjrh if=dk dk fo'ks"kkad tkjh fd;k fuoy C;kt vk; esa fxjkoV vkrh gSA

x;kA jk-vk-cSad us ubZ fnYyh esa fo|ky;ksa esa cPpksa

• fons’kh fofue; tksf[ke & fons'kh laLFkkuksa ls ds fy, fp=dyk izfr;ksfxrk dk Hkh vk;kstu

cSad ds m/kkj fons'kh fofue; tksf[ke mRiUu djrs fd;kA twfu;j foax ¼d{kk V rd½ ds cPpksa ds fy,

gSaA^^esjk ?kj** vkSj lhfu;j foax ¼d{kk VI vkSj mlds

Åij½ ds cPpksa ds fy, ̂ gekjk Hkkjr LoPN Hkkjr* • ifjpkyu ,oa vU; tksf[ke & dkuwuh tksf[ke Fkhe fn, x, FksA fotsrkvksa dks iqjLdkj foKku lfgr vuqiz;qDr vFkok vlQy vkarfjd Hkou esa fo'o i;kZokl fnol lekjksg esa fn, x,A izfØ;kvksa] yksxksa] O;oLFkkvksa ,oa@vFkok ckgjh

• lekjksg ds Hkkx ds rkSj ij] jk-vk-cSad us Hkkjr ?kVukvksa ls mRiUu gksus okyk tksf[keA

i;kZokl dsanz ¼vkbZ,plh½ ds lkFk lk>snkjh esa mijksDr tksf[keksa esa deh ykus ,oa fuxjkuh j[kus

vkbZ,plh ds laLFkkxr lnL;ksa ,oa oS;fDrd gsrq jk"Vªh; vkokl cSad esa tksf[ke izca/ku iz.kkyh

lnL;ksa gsrq ̂ ^Bksl E;wfufliy vif'k"V izca/ku** dh gSA bl iz;kstu gsrq cSad us fuEufyf[kr lfefr;ka

Fkhe ij vk/kkfjr ^^gSchVsuesaV fDot** ds 11osa xfBr dh gSa%

laLdj.k dk vk;kstu fd;kA bl fDot esa 160 ls • jsfVax lfefr & ekStwnk ,oa u, xzkgdksa dks vf/kd ls Vheksa us Hkkx fy;kA

tksf[ke jsfVax iznku djus gsrq

• vkfLr ns;rk izca/ku lfefr ¼,ydks½ & jk-vk-cSad dk dkjksckjh ifjpkyu fuEufyf[kr pyfuf/k tksf[ke ,oa C;kt nj tksf[ke ds izca/ku tksf[keksa dk lkeuk djrk gS&dh fuxjkuh gsrq

• _.k tksf[ke & ;g tksf[ke rc mRiUu gksrk gS • _.k tksf[ke izca/ku lfefr ¼lhvkj,elh½ & tc m/kkjdrkZ viuh pqdkSrh ds nkf;Roksa ds fuoZgu

_.k tksf[ke ij fuxjkuh gsrqesa vlQy gksxk vkSj blds ifj.kkeLo:i foÙkh;

gkfu gksrh gSA • ifjpkyu tksf[ke izca/ku lfefr ¼vksvkj,elh½

4-6-2

4-6 tksf[ke izca/ku

4-6-1

58

ifjpkyu

& ifjpkyu tksf[ke ij fuxjkuh grs q vksj] ;g n{krk vkSj mRikndrk esa lq/kkj ds fy,

,d lqjf{kr vkSj fo'oluh; çkS|ksfxdh cqfu;knh • fo'ks"k o.kZu [kkrk lfefr ¼vksvkj,elh½ &

<kapk çnku djrk gSA cSad vius fgr/kkjdksa fo'ks"k o.kZu [kkrksa dh fuxjkuh gsrq

dks osclkbV] xzhM~l] vksvkj,evkbZ,l] jsthMsDl jk"Vªh; vkokl cSad dh cksMZ }kjk fu;qDr nks vkSj lh,y,l,l iksVZYl tSlh 24x7 v‚uykbu ckgjh lnL;ksa] tks cSafdax ,oa foÙk {ks= esa fo'ks"kK gSa] lqfo/kk,a çnku djrk gSA cSad vius deZpkfj;ksa ds dh tksf[ke izca/ku lykgdkj lfefr ¼vkj,e,lh½ fy, 24 7 vk/kkj ij lSi deZpkjh iksVZy] opqZvy Hkh gSA o"kZ ds nkSjku rhu {ks=ksa ;Fkk cktkj tksf[ke] dk;kZy;] baVjusV çksVksd‚y ¼vkbZih½ VsyhQksuh _.k tksf[ke ,oa ifjpkyu tksf[ke ls lacaf/kr ç.kyh] ,Dlpsat esy ,fIyds'ku] ,e,l ySu jk"Vªh; vkokl cSad dh tksf[ke izca/ku uhfr;ksa ,oa osclsal] Qkby loZj vkfn dh miyC/krk dh lqfo/kk fØ;kdykiksa dh leh{kk gsrq lfefr dh pkj cSBdsa çnku djrk gSAcSad us foLrkfjr {kerk ds lkFk gqbZ gSaA LVksjst ,fj;k usVodZ ¼lSu½ dh LFkkiuk dh gS]

o"kZ ds nkSjku foHkkx }kjk dh xbZ xfrfof/k;ka bl ftlls mPp xfr dk HkaMkj.k DykbaV ;k

izdkj gSa] 104 ØsfMV jsfVax] 45 _.k leh{kk] 25 mi;ksxdrkZvksa ls mRiUu vuqjks/kksa dh vkxs dh

,,ylhvks cSBd] 4 ,l,e, cSBd] 4 lhvkj,elh lfoZflax ds fy, LVksjst ls loZj rd dq'ky MsVk

cSBd] 4 vksjvkj,elh cSBd] 28 jsfVax lfefr çokg ds fy, Qkbcj usVodZ ij fofHkUu loZjksa ls

cSBd] 4 vkj,,elh cSBd] Hkk-fj-cSad ds voyksduksa tqM+k gqvk gSA cSad us vius çeq[k dk;kZy; ifjlj

dk le; ls vuqikyu] feM&vkWfQl dk;Z tSls fd esa Mîqy i‚oj dusfDVfoVh lqfo/kk ds lkFk vafre

VªsfMax cgh dk nSfud ewY;kadu] fuf/k izca/ku ,oa ekby vkbZVh volajpuk dusfDVfoVh dks l{ke

fuos'k lfefr ¼,Q,evkbZlh½ gsrq lkIrkfgd ,tsaMk fd;k gSA lwpuk çkS|ksfxdh lfefr ls çkIr

rS;kj djuk] usV vksojukbV vksiu iksft'ku ekxZn'kZu vkSj lykg ls cSad dh vkbZVh ç.kkyh vkSj

¼,uvksvksih½ ij ofj"B izca/ku dks nSfud fjiksfVZax cqfu;knh <kaps dks fu;fer :i ls mUur@

vkSj cSad dh uhfr;ksa dh le; ij leh{kkA çfrLFkkfir fd;k tk jgk gSA o"kZ 2019&20 ds

nkSjku] cSad fuckZ/k lwpuk çokg vkSj fo'ys"k.k esa o"kZ ds nkSjku dh xbZ ubZ igy cSad ds ØsfMV vklkuh ds lq/kkj ds fy, chvkbZ midj.k ds jsfVax ekWMy ds fodkl@mUU;u ds fy, ek/;e ls dk;kZy; 365 ij ekbxzsV djus vkSj lykgdkj dh fu;qfDr vkSj fons'kh m/kkj] MS'kcksMZ dks ykxw djus dh ;kstuk cuk jgk gSAMsfjosfVo vkSj cktkj tksf[ke ls lacaf/kr uhfr;ksa ls

lacaf/kr dk;Z ds fy, lykgdkj dh fu;qfDr gSaA

cSad esa vkbZVh dk;kZUo;u ij /;ku dsafær djus ds

fy,] lwpuk çkS|ksfxdh uhfr ¼vkbZVhih½ us lwpuk cSad us lwpuk çkS|ksfxdh ds jpukRed vkSj çkS|ksfxdh lfefr ¼vkbZVhlh½ rS;kj dh gSA vfHkuo mi;ksx ds fy, çfrc) fd;k gSA bl

4-6-3

4-6-4

4-6-5

4-7-2 vkbZVh lfefr

4-7 lwpuk izkS|ksfxdh

4-7-1

x

59


vkbZVhlh esa] blds lnL;ksa ds :i esa vU; laxBuksa dk;ZØeksa esa ukfer fd;k x;kA

ds vkbZVh foHkkx vkSj ckgjh vkbZVh fo'ks"kK@ • dk;ZLFky ij efgykvksa ds ySafxd mRihM+u ds

ofj"B vf/kdkjh] vkSj v/;{k ds :i esa cSad ds fuokj.k ds fo"k; ij vf/kdkfj;ksa dh laosnu'khyrk

dk;Zikyd funs'kd ifjpkyu foHkkx ds çeq[k ij 1 dk;Z'kkyk vk;ksftr dh xbZA

'kkfey gksrs gSaA vkbZVhlh fn'kk&funsZ'k çnku • cSad }kjk fuEufyf[kr vkarfjd çf'k{k.k dk;ZØe djrk gS vkSj cSad esa vkbZVh dk;kZUo;u xfrfof/k;ksa

vk;ksftr fd, x,%dh ns[kjs[k djrk gSA

i½ 43 vf/kdkfj;ksa us ifjpkyu tksf[ke çca/ku ij

vkarfjd çf'k{k.k dk;ZØe esa Hkkx fy;kA jk-vk-cSad dk y{; fuiq.k] HkyhHkkafr larqfyr ,oa

ii½ lwpuk lqj{kk ¼vkbZ,l½ ys[kk ijh{kk dk;Z ds izsfjr dkfeZdksa dh HkrhZ vkSj fu;qfDr djuk gS vkSj

dk;ZØe esa] cSad us vius vf/kdkfj;ksa ds fy, lwpuk LFkyh; dk;Z izf'k{k.k vkSj bu&gkml izf'k{k.k ds

lqj{kk ij ,d çf'k{k.k l= vk;ksftr fd;kA lkFk gh ckgj Hkh izf'k{k.k dkslksZa ,oa lEesyuksa rFkk

lsfeukjksa esa Hkkx ysus ds ek/;e ls vius dkfeZdksa ds iii½ vf/kdkfj;ksa dks bZ&IysVQ‚eZ ds ek/;e ls vius lrr fodkl ds fy, izfrc) gSA çfriwfrZ nkoksa dks çLrqr djus esa l{ke djus gsrq]

cSad us lSi&deZpkjh Lo;a lsok ¼bZ,l,l½ iksVZy vf/kdkfj;ksa dh dkS'ky dks v|frr djus ,oa

ij ,d çf'k{k.k@gSaMgksfYMax l= vk;ksftr mudh fuiq.krk esa o`f) gsrq] jk-vk-cSad us vius

fd;kAvf/kdkfj;ksa dks izfrf"Br laLFkkuksa }kjk lapkfyr

fofHkUUk cká izf'k{k.k vkSj izca/kdh; fodkl

dk;ZØeksa esa vkSj lkFk gh vkarfjd izf'k{k.k • 15 Ldsy I vf/kdkfj;ksa vkSj dk;Zikyd funs'kd ds dk;ZØeksa gsrq izfrfu;qDr fd;k gSA

01 in ds fy, HkrhZ çfØ;k 'kq: dh xbZ FkhA• 16 vf/kdkfj;ksa dks us'kuy baLVhVîwV v‚Q cSad

• cSad us dsaæh; vkfFkZd vklwpuk C;wjks ¼lhbZvkbZch½ eSustesaV ¼,uvkbZch,e½] lsaVj Q‚j ,MokaLM ds fy, uksMy vf/kdkjh] bZMCY;w,l gsrq vkj{k.k ds Qkbusaf'k;y fjlpZ ,aM yfuaZx ¼lh,,Qvkj,,y½] dk;kZUo;u dh fuxjkuh ds fy, vkfFkZd :i ls baLVhVîwV v‚Q ifCyd ,aVjçkbt] ,MfefuLVªsfVo detksj oxZ ¼bZMCY;w½ gsrq laidZ vf/kdkjh] cSad ds LVkQ d‚yst v‚Q bafM;k] baLVhVîwV v‚Q fy, vuqikyu vf/kdkjh vkSj Hkkjrh; çfrHkwfr vkSj eSustesaV LVMh] y[kuÅ] eSustesaV MsoyiesaV fofue; cksMZ ¼lsch½ & lwphc) nkf;Ro vkSj baLVhVîwV] xqM+xkao] us'kuy ,dsMeh v‚Q áweu çdVhdj.k vko';drk,¡ ¼,yvksMhvkj½ fofu;eu fjlkslZ MsoyiesaV tSls fofHkUu laLFkkuksa ds çf'k{k.k 2015 ds vuqikyu esa f'kdk;r fuokj.k vf/kdkjh dk;ZØeksa esa ukfer fd;k x;kAfu;qä fd;k gSA

• 3 vf/kdkfj;ksa dks fofHkUu ns'kksa esa varjkZ"Vªh;

4-8 ekuo lalk/ku

4-8-1

4-8-2

4-8-3 HkfrZ;ka] fu;qfä;ka vkSj LFkkukarj.k

60

ifjpkyu

ykxw gS] jk-vk-cSad ljdkjh funsZ'kksa ds vuqlkj • ftu vf/kdkfj;ksa us ,d gh in ij 3 o"kZ iwjs dj

viuh osclkbV ij vafre vkj{k.k jksLVj viyksM fy;s Fks ,sls lHkh vf/kdkfj;ksa dks LFkkukUrfjr dj

djrk gSA ;Fkk 30 twu] 2019 rd ,llh] ,lVh fn;k x;kA

vkSj vkschlh dk dk;Z vuqca/k XV esa fn;k x;k gSA

deZpkjh dk;Z xfrfof/k;ksa esa okf"kZd fnol] • deZpkjh tokcnsgh lfefr

efgyk fnol lekjksg] LoNrk i[kokM+k vkfn

• vkarfjd lykgdkj lfefr 'kkfey gS%

• çR;{k Ø; lfefr • jk-vk-cSad ds 30osa okf"kZd fnol ds volj ij

fnukad 09 tqykbZ] 2018 dks ,d dk;ZØe vk;ksftr • deZpkjh fgrdkjh fuf/k çca/ku lfefr

fd;k x;k FkkA bl vk;kstu esa] vf/kdkfj;ksa dks • Ø; vuqeksnu lfefr vius 30 o"kksaZ ds dk;Z esa jk-vk-cSad }kjk çkIr fd,

x, fofHkUu ekbYkLVksu ds ckjs esa voxr djk;k • jk-vk-cSad ¼deZpkjh½ isa'ku VªLVx;k vkSj lkekU; :i ls laxBu ds lkeus vkus

• dk;ZLFky ij efgykvksa ds ySafxd mRihM+u ds okyh pqukSfr;ksa@voljksa fo'ks"k :i ls vkokl foÙk fuokj.k ds fy, lfefr {ks= ij ppkZ dh xbZA

efgykvksa dk dk;ZLFky ij ySafxd mRihM+u • cSad us cSad ds ifjlj dks ltkdj Lora=rk fnol

¼fuokj.k] izfr”kks/k ,oa izfrrks"k½ vf/kfu;e] 2013 ds euk;kA

izko/kkuksa ds vuqlkj dk;ZLFky ij efgykvksa ds • LoPN Hkkjr vfHk;ku & LoPNrk i[kokM+k ds rgr] ySafxd mRihM+u ls lacaf/kr f'kdk;r ij fopkj

cSad ds vf/kdkfj;ksa us taxiqjk vkSj olar dqat esa djus gsrq ySafxd mRihM+u lfefr dk xBu fd;k vius fjgk;'kh ifjlj ds lkFk&lkFk dk;kZy; x;k gSA fo”kZ 2018&19 ds nkSjku dksbZ f'kdk;r ifjlj esa lQkbZ vfHk;ku pyk;kA LoPNrk izkIr ugha gqbZ gSA blds vfrfjDr jk-vk-cSad us vfHk;ku ds vfrfjä] cSad us i;kZoj.k dks gjk&Hkjk efgykvksa dk dk;ZLFky ij ySafxd mRihM+u vkSj LoPN cukus ds fy, o`{kkjksi.k xfrfof/k Hkh ¼fuokj.k] izfr”kks/k ,oa izfrrks"k½ vf/kfu;e] 2013 ds dhAvarxZr vkus okys ySafxd mRihM+u vkpj.k ij

dfeZ;ksa dks f'kf{kr ,oa tkx:d djus gsrq ,d

dk;'kkykvksa dk vk;kstu fd;k gSA

vuqlwfpr tkfr ¼,llh½] vuqlwfpr tutkfr • vf/kdkfj;ksa ds fy, çfriwfrZ e‚Mîwy fnukad 01 ¼,lVh½ vkSj vU; fiNM+k oxZ ¼vkschlh½ ds laca/k esa vxLr] 2018 ls iwjh rjg ls v‚uykbu dj fn;k jk-vk-cSad ds fn'kkfunsZ'k@uhfr;ka] Hkkjr ljdkj x;k gSA}kjk tkjh fn'kk&funsZ'kksa ds vuqlkj gS] tgka Hkh ;g

4-8-4 foHkkx dh çeq[k lfefr;k¡ uhps nh xbZ gSa%

4-8-7

4-8-5

4-8-8 o"kZ ds nkSjku dh tkus okyh vU;

xfrfof/k;k¡ gSa%

4-8-6

61


lqfuf'pr dh gSA fo'o i;kZokl fnol ds volj • 2017 rd vkj{k.k jksLVj rS;kj fd, x, vkSj

ij çR;sd o"kZ cSad }kjk ,d fo'ks"kkad Hkh çdkf'kr bldk fujh{k.k Mh,Q,l] foÙk ea=ky;] Hkkjr

fd;k tkrk gS] ftldk çR;sd o"kZ foKku Hkou esa ljdkj us fd;kA

vk;ksftr fo'o i;kZokl fnol ds dk;ZØe esa • Hkksiky vkSj psUubZ esa nks {ks=h; çfrfuf/k dk;kZy;

vukoj.k fd;k tkrk gSA fo'ks"kkad ds fy, lHkh ¼vkjvkjvks½ o"kZ ds nkSjku can dj fn, x,A

lkoZtfud {ks= ds cSadksa@foÙkh; laLFkkuksa@vkokl

• cSad dh çR;k;ksftr foÙkh; 'kfä;ksa dh leh{kk dh foÙk daifu;ksa vkSj fofHkUu jkT;ksa esa fLFkr vkokl

xbZA cksMZ ds vf/kdkfj;ksa vkSj deZpkfj;ksa ls ys[k

vkeaf=r fd, tkrs gSa vkSj çR;sd çdkf'kr ys[k dks

iqjL—r Hkh fd;k tkrk gSA bl o"kZ cSad us fnYyh foÙk o"kZ 2018&19 ds nkSjku] cSad us vius

cSad ujkdkl ds rRoko/kku esa ujkdkl ds lnL; dk;kZy;ksa esa jktHkk"kk uhfr ds dk;kZUo;u dks

dk;kZy;ksa ds fy, 24 vDVwcj] 2018 dks fganh gkL; etcwr djus ds vius ç;klksa dks tkjh j[kk gSA cSad

O;aX; dfork ys[ku çfr;ksfxrk dk vk;kstu us jktHkk"kk foHkkx] x`g ea=ky;] Hkkjr ljdkj ls

fd;kA çkIr foÙk o"kZ 2018&19 ds okf"kZd dk;ZØe ds

nSfud xfrfof/k;ksa esa fganh ds mi;ksx dks y{;ksa dks çkIr djus gsrq çHkkoh ;kstuk rS;kj dh çksRlkfgr djus ds ç;kstu ls cSad esa çksRlkgu gSA bl laca/k esa] ç/kku dk;kZy; vkSj ;kstuk,a ykxw dh xbZ gSA cSad esa dk;Zjr {ks=h;@çfrfuf/k dk;kZy;ksa dh jktHkk"kk vf/kdkfj;ksa dks fganh esa fVIi.kh fy[kus ds fy, dk;kZUo;u lfefr dh leh{kk dh xbZ vkSj jktHkk"kk çksRlkfgr djus gsrq fganh çksRlkgu ;kstuk ds dk;kZUo;u dh çxfr dh fuxjkuh dh xbZA dk;kaZof;r dh xbZ gSA vf/kdkfj;ksa dks fganh esa dke

fganh dk vf/kdre mi;ksx lqfuf'pr djus ds djus gsrq çksRlkfgr djus ds fy, gj nks ekg esa

fy,] cSad us vius lHkh {ks=h;@çfrfuf/k dk;kZy;ksa fganh çfr;ksfxrk Hkh vk;ksftr dh tkrh gSA blds

dks jktHkk"kk fu;e] 1976 ds fu;e 10 ¼4½ ds rgr vfrfjä] cSad esa ;wfudksM ds mi;ksx dks c<+kok

vf/klwfpr fd;k gSA jktHkk"kk foHkkx] x`g ea=ky; fn;k x;k vkSj vf/kdkfj;ksa dks daI;wVj ij fganh esa

ds iksVZy ij frekgh çxfr fjiksVZ dk v‚uykbu dk;Z djus ds fy, miyC/k l‚¶Vos;j@lqfo/kkvksa

viMs'ku cSad ds lHkh {ks=h;@çfrfuf/k dk;kZy;ksa dk mi;ksx djus gsrq çf'kf{kr fd;k x;kA Hkkjr

}kjk lqfuf'pr fd;k x;k gSA ljdkj ds funsZ'kksa ds vuqikyu esa] cSad us

jktHkk"kk dk;kZUo;u lfefr dh cSBdsa cSad ds vxLr&flracj 2018 esa fganh ekg euk;k] ftlds lHkh {ks=h;@çfrfuf/k dk;kZy;ksa esa vk;ksftr dh nkSjku fofHkUu çfr;ksfxrkvksa dk vk;kstu fd;k tkrh gSa vkSj dk;kZy;ksa us vius lacaf/kr ujkdkl x;k vkSj fotsrkvksa dks iqjL—r fd;k x;kA Þfganh }kjk vk;ksftr cSBdksa esa fu;fer Hkkxhnkjh eklß ds volj ij] Þpy oSt;arhß Vª‚Qh dks ç/kku

4-9 jktHkk"kk

4-9-1

4-9-4

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4-9-3

fVIi.k

62

ifjpkyu

dk;kZy; esa foHkkx dks çnku fd;k tkrk gS] tks ;g ewY;oku LFkku Hkh cpkrk gSA Kku dsaæ ds lHkh

çR;sd o"kZ fganh ds nSfud mi;ksx esa loZJs"B dk;ksaZ dks Kku dsaæ Lopkyu l‚¶Vos;j LIBSYS

çn'kZu djrk gSA ds ek/;e ls çcaf/kr fd;k tkrk gS] bl çdkj ;g

iwjh rjg ls Lopkfyr Kku dsaæ cu jgk gSA Kku fxzM~l iksVZy] ftldk mi;ksx xzkgdksa }kjk dsaæ dk i;kZIr laxzg bZ&iqLrdksa ds :i esa fofHkUu vkokl foÙk daifu;ksa vkSj cSad dh osclkbV esa çk:i tSls lhMh&jkse ij ihMh,Q] bZih;wch vkfn viuh f'kdk;r ntZ djus ds fy, fd;k tkrk gS] vkSj fdaMy ds bZ&cqd jhMj esa gSA Kku dsaæ us dks Hkh f}Hkk"kh esa rS;kj fd;k x;k gSA o"kZ ds nkSjku] fczfV'k dkmafly ykbczsjh tSls çeq[k Kku dsaæksa dh fnukad 16 Qjojh] 2019 dks lalnh; jktHkk"kk lnL;rk dk Hkh ykHk mBk;k gSA lfefr dh Mªkf¶Vax ,oa lk{; mi&lfefr }kjk cSad

ds eqacbZ {ks=h; dk;kZy; dk fujh{k.k fd;k x;kA cSad vf/kdkfj;ksa ds fy, bZ&lekpkj i= Hkh

çdkf'kr dj jgk gS rkfd mUgsa {ks= ds fodkl ls cSad us jktHkk"kk ds dk;kZUo;u ds {ks= esa çxfr voxr djk;k tk ldsA vf/kdkfj;ksa dks vkokl] dh gS vkSj o"kZ ds nkSjku fofHkUu Lrj ds iqjLdkj cSafdax] vkfFkZd fodkl vkfn ds ckjs esa v|frr çkIr fd, gSaA o"kZ 2017&18 gsrq] cSad dh fganh x`g j[kus ds fy, baVªkusV iksVZy ij nSfud çsl if=dk ̂vkokl Hkkjrh* dks Hkkjrh; fjtoZ cSad }kjk fDyfiaXl viyksM dh tkrh gSa vkSj lekpkj i= ds r`rh; iqjLdkj vkSj fnYyh ujkdkl }kjk çFke ek/;e l s vkokl ij y[s k Hkh çlkfjr fd, tk jg s gAaSiqjLdkj ls lEekfur fd;k x;k gSA blds

vfrfjä] cSad dks fnYyh cSad uxj jktHkk"kk Kku dsanz esa vkokl vkSj vkokl foÙk] cSafdax]

dk;kZUo;u lfefr ls o"kZ 2017&18 ds fy, foÙkh; vFkZO;LFkk] lkekU; izca/ku] dkuwu] usr`Ro]

laLFkkuksa dh Js.kh esa jktHkk"kk fganh ds dk;kZUo;u esa la[;kRed fof/k;ksa] xzkeh.k fodkl] lw{e foÙk]

loZJs"B çn'kZu ds fy, r`rh; iqjLdkj Hkh çkIr lwpuk izkS|ksfxdh vkfn esa vaxzsth ,oa fganh esa 7000

gqvk gSA ls vf/kd iqLrdksa@lftYn if=dkvksa@fjiksVksZa

vkSj 30 ls vf/kd lqizfl) varjkZ"Vªh; vkSj jk"Vªh;

if=dkvksa dk fo'ks"k laxzg miyC/k gSA mijksDr lwpuk ds çHkkoh çlkj ds ek/;e ls vfrfjä

iqLrdksa ds lkFk gh Kku dsanz esa fofHkUu çfrf"Br Kku vkSj vuqç;ksx çkIr djus dh lqfo/kk çnku

laLFkkuksa tSls fd Hkkjrh; fjtoZ cSad] varjkZ"Vªh; djus ds fy, ç/kku dk;kZy; esa Kku dsaæ dh

eqnzk dks"k] fo'o cSad] vkbZ;w,p,Q dh fofHkUu LFkkiuk dh xbZ FkhA 1989 esa Kku dsaæ dh LFkkiuk

fjiksVksZa vkSj izdk'kuksa dk Hkh laxzg gSA ds ckn ls blesa dbZ cnyko ns[kus dks feys gSaA

Kku dsaæ us lkslkbVh Q‚j :jy vcZu ,aM lwpuk çkS|ksfxdh] tks Kku dsaæ dk ,d vfHkUu

Vªkbcy bfuf'k,fVo uked ,d ,uthvks dks iqjkus vax gS] us fdQk;rh ykxr ij vf/kd

v[kckjksa vkSj if=dkvksa dks nku djuk 'kq: dj mi;ksxdrkZvksa dks tkudkjh miyC/k djk;h gS vkSj fn;k gSA

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4-10-6

4-12-2

4-11 vuqikyu izdks"B

4-13 vkjVhvkbZ çdks"B

4-12 lrdZrk izdks"B

4-12-1

ns'k ds fofHkUu jkT;ksa ls lac) vf/kdkfj;ksa ds lkFk ,d [kqyk baVjSfDVo l= Hkh vk;ksftr fd;k

FkkA ykHk ds fy, rfey] rsyqxq] vksfM;k vkSj caxkyh

tSlh fofHkUu {ks=h; Hkk"kkvksa ds lekpkj cSad ds lrdZrk foHkkx us bl lIrkg ds nkSjku i=ksa@if=dkvksa dks çkIr djkus dh çfØ;k dh Hkh Mªkbax vkSj isafVax çfr;ksfxrk] fuca/k ys[ku] igy dh xbZ gSA varj&foHkkxh; okn&fookn vkfn tSls dbZ

vk;kstu vk;ksftr fd, FksA lHkh vf/kdkfj;ksa vkSj

muds ifjokj ds lnL;ksa us bu vk;kstuksa esa lfØ; fdlh Hkh laLFkku esa vuqikyu ,d vko';d Hkwfedk

:i ls Hkkxhnkjh yhA bu vk;kstuksa esa] tt ds fuHkkrk gSA laLFkku ds Hkhrj ,d lqO;ofLFkr]

iSuy }kjk r; fd, x, fotsrkvksa dks iqjL—r ldkjkRed vuqikyu laL—fr fofu;ked foQyrk

fd;k x;kA p;fur çfrHkkfx;ksa dks çksRlkgu ds tksf[ke dks de djrh gSA jk-vk-cSad esa bls vkSj

iqjLdkj Hkh fn, x,A iksLVj vkSj cSuj cSad ds ,d mfpr laxBukRed lajpuk dks çkIr djus ds

ç/kku dk;kZy; ¼,pvks½ ds çeq[k LFkkuksa ij çnf'kZr fy,] ,d vyx vuqikyu çdks"B cuk;k x;k gSA

fd, x, FksA vuqikyu çdks"B dk dk;Z fofHkUu fo/kkuksa esa fufgr

lHkh lkafof/kd çko/kkuksa dk l[rh ls ikyu djus

ds lkFk&lkFk le;≤ ij tkjh vU; ukxfjdksa dks lkoZtfud çkf/kdj.kksa ds fu;a=.k ds

fofu;ked fn'kkfunsZ'kksa dk ikyu vkSj jk-vk-cSad rgr lwpuk rd lqjf{kr igqap dk vf/kdkj çnku

dh vkarfjd uhfr;ksa vkSj mfpr O;ogkj lafgrk dks djus vkSj çR;sd lkoZtfud çkf/kdj.k ds dk;Z esa

ikjnf'kZrk vkSj tokcnsgh dks c<+kok nsus ds fy,] Hkh lqfuf'pr djuk gSA

lwpuk dk vf/kdkj vf/kfu;e 2005 laln }kjk vf/kfu;fer fd;k x;k FkkA vkjVhvkbZ vf/kfu;e

dsaæh; lrdZrk vk;ksx ds funsZ'kkuqlkj] jk"Vªh; ds fn'kkfunsZ'kksa ds vuqlkj] lhihvkbZvks dks flracj

vkokl cSad esa lrdZrk tkx:drk lIrkg euk;k 2005 esa cSad esa ukfer fd;k x;k FkkA rRi'pkr]

x;kA lrdZrk tkx:drk lIrkg ^*Hkz"Vkpkj lHkh pSuyksa ¼v‚uykbu vkSj v‚Qykbu½ ds ek/;e

feVkvks & u;k Hkkjr cukvks** Fkhe ij 29 vDVwcj ls çkIr vkjVhvkbZ vkosnu@vihy ls lacaf/kr

ls 3 uoacj] 2018 rd euk;k x;kA lrdZrk lHkh ekeyksa ls fuiVus esa lhihvkbZvks dh lgk;rk

tkx:drk lIrkg gekjs çca/k funs'kd vkSj eq[; ds fy, vkjVhvkbZ çdks"B dh LFkkiuk dh xbZ FkhA

dk;Zikyd vf/kdkjh rFkk dk;Zikyd funs'kd }kjk o"kZ ds nkSjku çkIr vkjVhvkbZ vkosnu vkSj vihy] cSad ds lHkh vf/kdkfj;ksa dh çfrKk ds lkFk 'kq: o"kZ ds nkSjku mÙkj fn;k x;k vkjS yfa cr ;fn dkbs Z gksgqvkA çfrKk cSad ds lHkh vf/kdkfj;ksa dks fganh vkSj

vaxzsth nksuksa Hkk"kkvksa esa lqukbZ xbZA cSad us bl o"kZ

lrdZrk tkx:drk Fkhe ij fo'ks"k tksj nsus ds

64

ifjpkyu

fuekZ.k ,oa vU; dk;Zdykiksa ds laca/k esa eq[;ky;

dh visf{kr lgk;rk djrs gSaA

ys[kkijh{kk xfrfof/k;ksa dks etcwr vkSj dkjxj

cukus ds fy,] lHkh ys[kkijh{kk foHkkx us ,lhch * fiNys foÙk o"kZ ds 26 vkjVhvkbZ mÙkj 'kkfey gSa vkSj cksMZ dh eatwjh çkIr djus ds ckn lykgdkj

** fiNys foÙk o"kZ ds 7 vkjVhvkbZ mÙkj 'kkfey gSa vkSj ys[kkijh{kd esllZ dsih,eth }kjk rS;kj cSad

ds ys[kkijh{kk <kaps dks dk;kaZof;r fd;k gSA

ys[kkijh{kk <kaps esa ys[kkijh{kk uhfr] tksf[ke cSad ds lh,lvkj ç;klksa dk mís'; fodklkRed jftLVj] varjky fjiksVZ vkSj ys[kkijh{kk pkVZj vkSj dY;k.kdkjh xfrfof/k;ksa dh vksj gS] tgk¡ çkIr 'kkfey gSaA ys[kkijh{kk <kaps dk dk;kZUo;u loZ çHkko O;kid gksxkA foÙk o"kZ 2018&19 ys[kkijh{kk foHkkx dh Hkfo"; dh ;kstukvksa ij ¼tqykbZ&twu½ ds nkSjku] cSad us LoPN Hkkjr dks"k fopkj djus gsrq ,d egRoiw.kZ ehy dk iRFkj vkSj LoPN xaxk dks"k esa ?1 djksM+ dk ;ksxnku lkfcr gksxk] ftlesa lHkh ys[kkijh{kk çfØ;kvksa dks fn;kA,d N= foHkkx ds rgr fd, tkus dh mEehn gSA fiNys o"kZ ds nkSjku] cSad us LoPN Hkkjr dks"k vkSj

jk"Vªh; dkS'ky fodkl fuf/k ¼,u,lMh,Q½ esa blds vfrfjä] nqfu;k Hkj esa lkbcj geyksa dh

c<+rh ?kVukvksa dks ns[krs gq, vkSj lkbcj lqj{kk ij ?1 djksM+ dk ;ksxnku fn;kA ,u,lMh,Q esa fd, vkjchvkbZ fn'kkfunsZ'kksa dk vuqikyu djus ds fy,] x, ;ksxnku dk mi;ksx vkokl {ks= esa fofHkUu foHkkx us lkbcj lqj{kk <kaps] lkbcj ladV çca/ku ukSdfj;ksa esa 290 ;qokvksa ds fy, dkS'ky fodkl ;kstuk vkSj lkbcj lqj{kk dh laHkkfor ?kVukvksa dks çf'k{k.k vkSj IyslesaV lgk;rk ds fy, fd;k tk de djus ds fy, Hkh cSad esa lwpuk@MsVk lqj{kk dks jgk gSAetcwr djus gsrq lkbcj lqj{kk v‚ijs'ku lsaVj

¼lh,lvkslh½ dh LFkkiuk ds fy, çfØ;k 'kq: dh

gSA lkbcj lqj{kk <kaps ds dk;kZUo;u ls ekStwnk {ks=h; dk;kZy; ¼{ks-dk-½] eqacbZ vkSj fofHkUu LFkkuksa lwpuk lqj{kk cqfu;knh <kaps esa o`f) gksxh vkSj ;g ij {ks=h; izfrfuf/k dk;kZy; ¼{ks-iz-dk-½ jk-vk-cSad cSad dh MsVk@lwpuk ifjlaifÙk;ksa dh lqj{kk ds fotu] fe'ku ,oa mÌs';ksa dks iwjk djus esa vge lqfuf'pr djsxkA ;g dk;Z pkyw dSysaMj o"kZ esa iwjk Hkwfedk fuHkkrs gSaA {ks=h; dk;kZy; ,oa {ks=h; gksus dh mEehn gSA ,e-,e fulhe ,aM da- izfrfuf/k dk;kZy; vius&vius {ks=ksa esa LFkkuh; ¼,Qvkj,u% 107122MCY;w½ jk-vk-cSad ds leorhZ Lrj ij laidZ vkSj lg;ksx dk dk;Z HkyhHkafr dj ys[kkijh{kd gS vkSj dsih,eth vkarfjd jgs gSA ;s foÙk iks"k.k] lalk/ku laxzg.k] {kerk ys[kkijh{kd gSA

4-16 ys[kk ijh{kk

4-14 dkjiksjsV lkekftd mÙkjnkf;Ro

4-15 {ks=h; dk;kZy; ,oa {ks=h; izfrfuf/k

dk;kZy;

fooj.kçkIr

vkjVhvkbZ

65


fn;k x;k mÙkj

;Fkk 30-06-2019 rd yafcr

vkjVhvkbZ vkosnu

1273 1210* 89

vkjVhvkbZ vihy

107 105** 9

v/;k; 5os Q‚joMZ

f[kM+fd;ka----- Hkfo"; dh vksj vxzlj gksus dh izrhd%Hkfo"; ds n`f"Vdks.k ij v/;k;

5- os Q‚joMZ fuf/k dh mPp ykxr ds laca/k esa f'kdk;r dhA

,uch,Qlh esa ijs'kkfu;ka vkfLr ns;rk vlarqfyr gksrh vkokl gj vFkZO;oLFkk esa çkFkfed vko';drk gS vkSj

gSa] tgk¡ vYidkfyd m/kkj dk mi;ksx nh?kZdkfyd fodkl vkSj lkekftd dY;k.k dk cqfu;knh ladsrd

vkfLr;ksa dks fuf/k nsus ds fy, fd;k tkrk gSA gSA vkokl dk fodkl dsoy vkfFkZd fodkl ds fy,

egRoiw.kZ ugha gS] cfYd vkfFkZd fodkl dks ekius ds vk-fo-da us fdlh Hkh vpkud cktkj dh xM+cM+h vkSj

fy, ,d midj.k ds :i esa ekuk tk ldrk gS] Rojd lfUudV _.k nkf;Roksa dks iwjk djus ds fy, viuh

çHkko ij fopkj djrs gq, bldk fuekZ.k vkSj cqfu;knh pyfuf/k cQlZ dks lq–<+ djuk vkjaHk dj fn;k gSA

<kapk {ks= lfgr fofHkUu m|ksxksa ij çHkko iM+rk gSA ;g gkykafd cSadksa us ,uch,Qlh vkSj vk-fo-da dh pyfuf/k

m|ksxksa dks leFkZu nsus dh ekax mRiUu djrk gS vkSj ladV ds nkSjku vkokl _.k dk forj.k tkjh j[kk gS]

jkstxkj ds voljksa dk l`tu djrk gSA ysfdu vk-fo-da dh /kheh çxfr dk vlj ns'k esa vkokl

_.k dh o`f) ij iM+k gSA bl çdkj] vc pyfuf/k dh fdlh Hkh mHkjrh gqbZ vFkZO;oLFkk ds fy,] vkokl {ks= ds

fLFkfr vyx&vyx lqfo/kk,a vkSj mik;ksa ds lkFk gy fodkl dh viuh pqukSfr;ka gSaA buesa ls ,d lcls cM+h

gks jgh gS] ,uch,Qlh vkSj vk-fo-da dks iqu% vkjaHk pqukSrh foÙk rd igqap gSA vf/kdka'k ns'kksa esa] fijkfeM ds

djuk visf{kr gS vkSj vkokl foÙk gsrq fQj ls xfr vk/kkj ij vkcknh ds fuEu vk; oxZ vkSipkfjd vkokl

idM+uk visf{kr gSA foÙk ç.kkyh }kjk vulfoZM ;k vaMjlfoZM fd, tkrs

gSaA vkokl foÙk {ks= rhoz çfd;k ij gS vkSj 15 çfr'kr jk-vk-cSad us fLFkfr dh leh{kk dh gS vkSj fLFkfr dh

dh nj ls c<+ jgk gSA Hkkjr esa vkokl _.k&ls& ldy /;ku ls tkap Hkh dh gSA mijksä dks /;ku esa j[krs gq,]

?kjsyw mRikn vuqikr orZeku esa 10-6 çfr'kr gSA jk-vk-cSad us o"kZ 2018&19¼tqykbZ 2018 ls twu 2019½

ds fy, iqufoZÙk lhek dks 24]000 djksM+ :i;s ls c<+kdj bl o"kZ ,uch,Qlh vkSj vk-fo-da {ks= esa mFky&iqFky

30]000 djksM+ :i;s dj fn;k gSA cSad us foÙk o"kZ 19 ds vkSj LdhohM cktkj dh lsaVhesaVl dk vlj ns[kk x;k

nkSjku viuh iqufoZÙk foaMks ds rgr viuh fofHkUu gS] ftlls pyfuf/k esa deh vkbZ gS vkSj vkokl foÙk

;kstuk ds ek/;e ls 25]177 djksM+ #i;s dk laforfjr laforj.k esa o`f) lhfer gks xbZ gSA mlh ds vk/kkj ij]

fd;kA forj.k ds yxHkx 85 çfr'kr _.k vkdkj 25 vk-fo-da ds fy, m/kkj dh ykxr c<+ jgh gSA mä ds

yk[k :i;s rd FkkAdkj.k] vk-fo-da gsrq m/kkj dh ykxr c<+ jgh gSA ;|fi

vk-fo-da us vius cktkj esa fgLlsnkjh dks de ;k T;knk vkokl foÙk O;oLFkk esa pyfuf/k varosZ'ku djus ds fy,

cuk, j[kk gS] gkykafd] foÙk iks"k.k dh igqap vk-fo-da gsrq vkSj fdQk;rh vkokl foÙk {ks= esa vkokl foÙk

fodkl dh laHkkoukvksa dks fu/kkZfjr djsxhA dbZ vko';drkvksa dks iwjk djus ds fy, vk-fo-da dh ekax

ih,yvkbZ us viuh pyfuf/k vko';drkvksa dks iwjk dks iwjk djus ds fy,] ekg vxLr] 2019 esa jk-vk-cSad us

djus ds fy, çfrHkwfrdj.k dk lgkjk fy;kA ckºzk vkokl foÙk daifu;ksa ds fy, pyfuf/k varosZ'ku lqfo/kk

okf.kfT;d m/kkjksa us Hkh xfr çkIr dh] ysfdu ,d ;kstuk 'kq: dhA bl ;kstuk dk mís'; Hkkjrh; fjtoZ

lhfer rjhds lsA ncko de gksus ds le;] ih,yvkbZ us cSad }kjk ifjHkkf"kr O;fäxr vkokl _.k iksVZQksfy;ks

68

dks çkFkfedrk nsus okys {ks= ds varxZr vkus okys vk-fo- fjiksVZ çLrqr dh gSA fjiksVZ orZeku cktkj ls ,d O;kid

da dks leFkZu nsuk FkkA ;kstuk ds rgr vkjaHk esa 10]000 tkjh djus okys e‚My dks LFkkukarfjr djds

djksM+ :i;s dh jkf'k vkoafVr dh xbZ FkhA rRi'pkRk] O;olkf;d çfrHkwfrdj.k cktkj dh LFkkiuk ds fy,

la'kksf/kr fy¶V ;kstuk ds rgr lhek dks 10]000 djksM+ fofHkUu flQkfj'ksa çnku djrh gS tks fofHkUu fuos'kd

:i;s ls c<+kdj 30]000 djksM+ :i;s c<+k fn;k x;kA oxksaZ ds fy, midj.kksa dh mi;qä lajpuk ds lkFk eq[;

:i ls çR;{k leuqns'ku ij Js"B gSAfiNys rhu o"kksaZ ds nkSjku ¼foÙk o"kZ 2016&17 ls foÙk

o"kZ 2018&19 rd½] ih,e,okbZ&lh,y,l,l ds rgr vutZd vkfLr vkSj xSj&,ulh,yVh vkokl

jk-vk-cSad }kjk 9]940-60 djksM+ :i;s dh lap;h jkf'k ifj;kstukvksa ds fy, vafre ehy foÙk iks"k.k ds fy, ,d

fo'ks"k foaMks dh LFkkiuk ls lacaf/kr uohure ?kks"k.kk dk laforj.k ¼tkjh lfClMh + çlaLdj.k 'kqYd&

vkokl {ks= dks c<+kok nsdj vkfFkZd fodkl dks lfClMh okilh½ 426]755 bZMCY;w,l@,yvkbZth

iquthZfor djus dk ,d vkSj mik; gSA ljdkj }kjk ykHkkfUor ifjokjksa dks fd;k x;kA cSadksa ds laforj.k

10]000 djksM+ :i;s ds ;ksxnku vkSj ckºzk fuos'kdksa ls ¿d‚ijsfVo cSad ¼dks&v‚i cSad½] {ks=h; xzkeh.k cSad

leku ;ksxnku okyh fuf/k #dh gqbZ ifj;kstukvksa dks ¼vkjvkjch½] futh {ks= cSad ¼çkbosV cSad½ vkSj

iwjk djus esa ;ksxnku djsxhA lkoZtfud {ks= cSad ¼ih,lch½ lfgrÀ us dqy laforj.k

ds 30 çfr'kr dk xBu fd;k] ftlls 1]30]241 ifjokjksa fdQk;rh vkokl gsrq lq–<+ ekax dh i`"BHkwfe esa] Hkkjrh;

dks ykHk gqvkA fjtoZ cSad vkSj Hkkjr ljdkj }kjk ?kksf"kr mik;] vkokl

foÙk {ks= dks lrr vk/kkj js[kk ij fLFkj gksuk tkjh gSA ebZ] 2019 esa] Hkkjrh; fjtoZ cSad }kjk xfBr vkokl foÙk

çfrHkwfrdj.k cktkj ds fodkl ij lfefr us viuh

69


T• rael np so foe rP m g inni gr e Lt il ve eh sS

okf"kZd ys[kk

2018-19(tqykbZ, 2018 ls

twu, 2019)

funs'kdksa dh fjiksVZ

lnL;ksa gsrq

cSad ds funs'kdx.k 30 twu] 2019 dks lekIr o"kZ gsrq [kkrs ds ys[kkijhf{kr fooj.k ds lkFk jk"Vªh; vkokl cSad dh 31oha okf"kZd fjiksVZ çLrqr djrs gq, gf"kZr gSaA

1- foÙkh; dk;Z&fu"iknu dh leh{kk

o"kZ 2018&19 ds nkSjku] vk-fo-da- {ks= lfgr ,uch,Qlh {ks= esa dfBu pyfuf/k fLFkfr ds chp] cSad ?25]177 djksM+ ds dqy laforj.k esa ls ?21]736 djksM+ dk laforj.k djds vk-fo-da- dks le; ij pyfuf/k dk varosZ'ku djus esa lQy jgkA ?25 yk[k ls de ds NksVs fVdV vkdkj ds _.kksa ds iqufoZÙk ij tksj fn;k x;k gS tks dqy laforj.k dk yxHkx 97% gSA vk-fo-da- dks pyfuf/k lgk;rk çnku djus ds vfrfjä] cSad dk iqufoZÙk vk-fo-da- dks ml Hkkx esa gLr{ksi djus ds fy, Hkh çksRlkfgr dj jgk gS ftls Hkkjr ljdkj ds ih,e,okbZ&lh,y,l,l dk;ZØe ds rgr iwjk fd;k tk jgk gSA

cSad dh dk;Z&fu"iknu fo'ks"krkvksa dks uhps lkj.khc) fd;k x;k gS%

fooj.kfoÙkh; o"kZ 2017&18

¼tqykbZ ls twu½foÙkh; o"kZ 2018&19

¼tqykbZ ls twu½

ldy vk; 4425-66 5275-55C;kt vk; 4361-73 4994-07vU; vk; 63-93 281-48dqy ifjpkyu O;; 3155-41 3465-43fons'kh eqæk ds mrkj&p<+ko ds dkj.k ¼vfHkykHk½ gkfu 21-19 13-66ifjpkyu ykHk@VuZvksoj 1249-06 1796-46çko/kku ,oa vkdfLed O;; 81-38 481-99dj iwoZ ykHk 1167-68 1314-47dj@vkLFkfxd dj gsrq çko/kku 416-57 581-50dj i'pkr ykHk 751-11 732-97fuoy C;kt vk; 1285-47 1594-45ldy vutZd vkfLr;ka 4-61 4-19fuoy vutZd vkfLr;ka 0-00 0-00pqdrk iwath 1450-00 1450-00vkjf{kr ,oa vf/k'ks"k 6743-84 7480-93fuoy Lokf/k—r fuf/k 7687-69 8403-91vkSlr vkfLr;ksa ij çfrykHk 1-22 1-04 C;kt O;kfIr vuqikr 1-38 1-39fuoy Lokf/k—r fuf/k ij çfrykHk 10-25 9-10fuoy C;kt ekftZu 2-08% 2-26

% %

% %

%

71

¼?djksM+ esa½


72

2-dk;Z&fLFkfr

jk"Vªh; vkokl cSad ,d fodkl foÙkh; laLFkku gS ftls laln ds vf/kfu;e ;kuh jk"Vªh; vkokl cSad vf/kfu;e] 1987 ds rgr 1988 esa LFkkfir fd;k x;k FkkA jk-vk-cSad dks vkokl foÙk laLFkkuksa dh ,d çeq[k ,tsalh ds :i esa ifjpkfyr djuk gS rFkk ,sls laLFkkuksa dks foÙkh; vkSj vU; lgk;rk çnku djuk gSA jk-vk-cSad ds eq[; rhu dk;Z i;Zos{k.k] foÙk iks"k.k ,oa lao/kZu rFkk fodkl gSA jk-vk-cSad ds dkjksckj esa vk-fo-da- vkSj ,llhch ds O;fä;ksa ds fy, vkokl _.k dks iqufoZÙk djuk vkSj mudh vkokl ifj;kstukvksa ds fy, lkoZtfud ,tsafl;ksa vkSj lkoZtfud futh Hkkxhnkjh laLFkkvksa dks foÙkiksf"kr djuk 'kkfey gSA

cSad dh fofu;ked 'kfä;ka fnukad 9 vxLr] 2019 dh vf/klwpuk ds ek/;e ls Hkkjrh; fjtoZ cSad dks varfjr gks xbZ gSaA

twu] 2019 dks lekIr foÙkh; o"kZ ds nkSjku daiuh ds dkjksckj esa dksbZ cnyko ugha gqvk gSA

3- lgk;d] la;qä m|e ,oa lg;ksxh daifu;ksa dk fooj.k

jk-vk-cSad dh dksbZ lgk;d] la;qä m|e vFkok lg;ksxh daiuh ugha gSA

4- _.k ,oa fuos'k

cSad nks foaMks uker% iqufoZÙk vkSj ifj;kstuk foÙk ds ek/;e ls vkokl {ks= dks foÙk çnku djrk gSA iqufoZÙk ds ek/;e ls] cSad ekax i{k dh vko';drk;sa iwjh djrk gS vkSj ifj;kstuk foÙk foaMks ds }kjk vkiwfrZ i{k dh vko';drkvksa dks iwjk fd;k tkrk gSA foÙk o"kZ 18&19 ds nkSjku cSad us vkokl foÙk daifu;ksa dks ?21]736 djksM+] {ks=h; xzkeh.k cSadksa lfgr

vuqlwfpr xzkeh.k cSadksa dks ?3]300 djksM+ vkSj y?kq foÙk cSadksa dks ?141 djksM+ laforfjr fd;s gSaA

cSad dh fofuos'k uhfr ds vuqlkj] o"kZ ds nkSjku cSad us 19 ekpZ] 2019 dks ?4-62 djksM+ ij lsok x`g _.k ,p,Q,y esa

?2-11 djksM+ dh jkf'k ds 17-64 yk[k bfDoVh 'ks;jksa dh viuh laiw.kZ /kkfjrk dh leh{kk dh vkSj fofuos'k fd;kA blds

vfrfjä cSad us 26 vçSy] 2019 dks ?286-78 djksM+ ij efgaæk :jy gkmflax Qkbusal fyfeVsM esa ?33-22 djksM+ ds 118-92 yk[k bfDoVh 'ks;jksa dh viuh laiw.kZ /kkfjrk dh leh{kk dh vkSj fofuos'k fd;kA mi;qZDr vk-fo-da- esa bfDoVh 'ks;jksa dh fcØh ls 256-07 djksM+ :i;s gqvk gSA

5- vkjf{kr fuf/k;ksa esa gLrkarfjr dh xbZ jkf'k

foÙk o"kZ 2019 dh lekfIr ds nkSjku] ?178-74 djksM+ dh jkf'k dks vkjf{kr fuf/k esa gLrkarfjr fd;k x;k gSA

6- cksMZ cSBdksa dh la[;k

o"kZ 2018&19 ds nkSjku] lkr cksMZ cSBdsa] cksMZ dh ys[kkijh{kk lfefr dh pkj cSBdsa] dk;Zikyd lfefr vkSj ekuo lalk/ku lfefr dh rhu&rhu cSBdsa vkSj cksMZ dh fofu;ked lfefr dh nks cSBdsa vk;ksftr dh x;hA

7- vuqca/k dk fooj.k vkSj lacaf/kr i{kksa ds lkFk O;oLFkk%

ys[kkvksa ij fVIif.k;ksa ds vuqPNsn 20 dk lanHkZ ysaA

YkkHk

okf"kZd ys[kk

73

8- ys[kkijh{kd dh fVIif.k;ksa dh O;k[;k%

foÙkh; o"kZ 2018&19 ds nkSjku] lkafof/kd ys[kkijh{kdksa us cSad ds foÙkh; fLFkfr ij fcuk 'krZ fjiksVZ nh gS vkSj ekuk fd foÙkh; ysunsu ;k ekeyksa ij dksbZ voyksdu ;k fVIi.kh ugha gS ftldk cSad ds dk;Z&i)fr ij dksbZ çfrdwy çHkko iM+sA

9- daiuh dh foÙkh; fLFkfr dks çHkkfor djus okyh lkexzh esa ifjorZu%

foÙkh; o"kZ dh lekfIr ds chp gqbZ cSad dh foÙkh; fLFkfr dks çHkkfor djus okyh fdlh Hkh lkexzh esa ifjorZu vkSj çfrc)rk ugha gSa] tks bl foÙkh; fooj.k vkSj bl fjiksVZ dh rkjh[k ls lacaf/kr gSA

10- tksf[ke çca/ku uhfr

cSad ds ikl cksMZ }kjk vuqeksfnr ,d O;kid tksf[ke çca/ku uhfr gSA cSad ds tksf[ke çca/ku uhfr dk mís'; gS%

1- cSad }kjk fu/kkZfjr ifjpkyu vkSj tksf[ke çca/ku n'kZu dh ç—fr vkSj vkdkj ds vuqlkj ,d tksf[ke çca/ku ç.kkyh fodflr djukA

2- uhfr;ksa] çfØ;kvksa vkSj çFkkvksa dks fodflr djus gsrq lqfuf'pr djuk fd fofHkUu tksf[keksa dks mfpr :i ls igpkuk] ekik] tkapk vkSj çcaf/kr fd;k tkrk gSA

3- cSad dks tksf[ke ds Lrj dk fu.kZ;] cSad dh ykHkçnrk vkSj iwath c<+kus ds fy, viuh fofHkUu dkjksckjh ykbuksa ls b"Vre vfHkykHk çkIr djus gsrq] viuk oSKkfud eki gksus ds ckn ysuk pkfg;sA

4- ;g lqfuf'pr djuk fd ;kstukc) b"Vre vfHkykHk çkIr djus ds fy, r; fd, x, Lrj ds Hkhrj tksf[ke dk çca/k djus gsrq O;kid tksf[ke fuxjkuh ç.kkyh dks fMtkbu vkSj dk;kZfUor fd;k tkrk gSA

11- funs'kdksa vkSj çeq[k çca/kdh; dkfeZd dk fooj.k

;Fkk 30&06&2019 dks] çca/k funs'kd ds vfrfjä] jk-vk-cSad dks jk"Vªh; vkokl cSad vf/kfu;e] 1987 dh /kkjk 6 ¼1½ ¼d½ ds rgr Hkkjr ljdkj }kjk fu;qä fd;k x;k] fuEufyf[kr djkj ds vuqlkj cksMZ esa lkr vU; funs'kd Fks%

¼i½vf/kfu;e dh /kkjk 6 ¼1½ ¼[k½ ds rgr dsaæ ljdkj }kjk fu;qä ,d xSj&vkf/kdkfjd funs'kd] ¼ii½vf/kfu;e dh /kkjk 6 ¼1½ ¼x½ ds rgr dsaæ ljdkj }kjk fu;qä ,d xSj&vkf/kdkfjd funs'kd] ¼iii½vf/kfu;e dh /kkjk 6 ¼1½ ¼?k½ ds rgr Hkkjrh; fjtoZ cSad }kjk ukfer] Hkkjrh; fjtoZ cSad ds funs'kd eaMy esa ls ,d funs'kd] ¼iv½vf/kfu;e dh /kkjk 6 ¼1½ ¼M-½ ds rgr dsaæ ljdkj }kjk fu;qä dsaæ ljdkj ds vf/kdkfj;ksa esa ls nks funs'kd] rFkk ¼v½vf/kfu;e dh /kkjk 6 ¼1½ ¼p½ ds rgr dsaæ ljdkj }kjk fu;qä jkT; ljdkj ds vf/kdkfj;ksa esa ls nks funs'kdA

orZeku esa funs'kd eaMy gSa%

Jh ,l ds gksrk] çca/k funs'kd] jk"Vªh; vkokl cSad

Jh deyfd'kksj lh- tkuh] va'kdkfyd xSj& funs'kdvkf/kdkfjd


74

M‚- pj.k flag] va'kdkfyd xSj&vkf/kdkfjd funs'kd

M‚- çlUu dqekj eksgarh] dsaæh; funs'kd eaMy] Hkkjrh; fjtoZ cSad

Jh f'ko nkl eh.kk] vfrfjä lfpo] Hkkjr ljdkj] vkoklu ,oa 'kgjh dk;Z ea=ky;

Jh iadt tSu] vfrfjä lfpo] Hkkjr ljdkj] foÙk ea=ky;] foÙkh; lsok;sa foHkkx

Jh ç'kkar dqekj] vfrfjä lfpo] Hkkjr ljdkj] xzkeh.k vkokl] xzkeh.k fodkl ea=ky;

12-efgykvksa dk dk;ZLFky ij ySafxd mRihM+u fuokj.k ¼fuokj.k] çfr"ks/k vkSj çfrrks"k½ vf/kfu;e] 2013

cSad dh dk;ZLFky ij ySafxd mRihM+u ds fuokj.k] çfr'kks/k vkSj çfrrks"k ij ,d uhfr gSA cSad esa ^^dk;ZLFky ij efgykvksa ds ySafxd mRihM+u ds fuokj.k ds fy, lfefr^^ gSA lfefr dk mís'; eq[;r% ;g lqfuf'pr djuk gS fd efgykvksa dks dke dk lgh okrkoj.k çnku fd;k tkrk gS tks dke djus ds fy, lgt vkSj vuqdwy gS vkSj ;g lqfuf'pr djuk fd dk;ZLFky esa dksbZ ySafxd mRihM+u ugha gqvk gSA lfefr dk;ZLFky ij efgykvksa ds ySafxd mRihM+u ds fuokj.k ds fo"k; ij jk-vk-cSad ds deZpkfj;ksa dks tkx:d djus ds laca/k esa vius deZpkfj;ksa ds fy, le;≤ ij dk;Z'kkyk vk;ksftr djrh gSA o"kZ ds nkSjku lfefr dks dksbZ f'kdk;r ugha feyhA 30 twu] 2019 rd lfefr ds ikl dksbZ yafcr f'kdk;rsa ugha FkhA

funs'kd eaMy dh vksj ls

,l- ds- gksrk çca/k funs'kdubZ fnYyh

22 vxLr] 2019

okf"kZd ys[kk

75


ç/kku dk;kZy;% ,&6] egkjkuh ckx ubZ fnYyh &110065Qksu % 011&41626470&71 QSDl % 011&41328425

bZ&esy % [email protected]

caly ,aM da- ,y,yihpkVZMZ ,dkmaVsaV

LorU= ys[kkijh{kd fjiksVZ

lsok esa]

Hkkjr ds jk"Vªifr

LVSaMvyksu foÙkh; fooj.kksa ds ys[kk ijh{kk ij fjiksVZ

jk;

geus jk"Vªh; vkokl cSad ¼^^cSad**½ ds LVSaMvyksu foÙkh; fooj.kksa dk ys[kk ijh{kk fd;k gS] ftlesa 30 twu] 2019 rd rqyu&i=] ykHk vkSj gkfu] vkSj lekIr o"kZ gsrq udnh çokg fooj.k ,oa egRoiw.kZ ys[kkadu uhfr;ksa rFkk vU; O;k[;kRed tkudkjh dk lkj lfgr foÙkh; fooj.kksa gsrq uksV~l 'kkfey gSA gekjh jk; esa vkSj gekjh loksZÙke tkudkjh ls ,oa gesa nh xbZ O;k[;kvksa ds vuqlkj] mi;qZä LVSaMvyksu foÙkh; fooj.k jk"Vªh; vkokl cSad vf/kfu;e] 1987 }kjk vko';d tkudkjh dks vko';d rjhds ls nsrs gSa vkSj ys[kkadu fl)karksa ds vuqikyu esa ,d lgh vkSj fu"i{k –f"Vdks.k nsrs gSa ftls vke rkSj ij Hkkjr esa 30 twu] 2019 rd cSad ds dk;ksaZ dh fLFkfr rFkk ykHk@gkfu ,oa ml frfFk ij lekIr o"kZ gsrq muds udnh çokg esa Lohdkj fd;k tkrk gSA

jk; gsrq vk/kkj

geus baLVhVîwV v‚Q pkVZMZ ,dkmaVsaV~l v‚Q bafM;k ¼vkbZlh,vkbZ½ }kjk tkjh fd, x, ys[kk ijh{kk ij ekudksa ¼,l,,l½ ds vuqlkj viuk ys[kk ijh{kk djk;kA mu ekudksa ds rgr gekjh ftEesnkfj;ksa dks gekjh fjiksVZ ds foÙkh; fooj.k vuqHkkx dh ys[kk ijh{kk gsrq ys[kk ijh{kd dh ftEesnkfj;ksa esa vkxs of.kZr fd;k x;k gSA ge uSfrd vko';drkvksa ds lkFk tks vf/kfu;e ds çko/kkuksa ds rgr foÙkh; fooj.kksa ds gekjs ys[kk ijh{kk ds fy, çklafxd gSa] ds lkFk v‚Q pkVZMZ ,dkmaVsaV~l v‚Q bafM;k }kjk tkjh uSfrd vkpkj lafgrk ds vuqlkj cSad ls Lora= gSa] vkSj geus viuh vU; uSfrd ftEesnkfj;ksa dks bu vko';drkvksa vkSj vkpkj lafgrk ds vuqlkj iwjk fd;k gSA ge ekurs gSa fd geus tks ys[kk ijh{kk lk{; çkIr fd, gSa] os gekjh jk; ds fy, vk/kkj çnku djus gsrq i;kZIr vkSj mi;qä gSaA

çeq[k ys[kk ijh{kk ekeys

eq[; ys[kk ijh{kk ekeys os ekeys gSa] tks gekjs O;kolkf;d fu.kZ; esa] orZeku vof/k ds foÙkh; fooj.kksa ds gekjs ys[kk ijh{kk esa lcls egRoiw.kZ FksA bu ekeyksa dks iwjh rjg ls foÙkh; fooj.kksa ds gekjs ys[kk ijh{kk ds lanHkZ esa lacksf/kr fd;k x;k Fkk] vkSj bl ij gekjh jk; esa ge bu ekeyksa ij ,d vyx jk; çnku ugha djrs gSaA

uhps fn, x, çR;sd ekeys ds fy,] gekjs ys[kk ijh{kk us ekeys dks dSls lacksf/kr fd;k] bl lanHkZ esa gekjk fooj.k çnku fd;k x;k gSA geus bu ekeyksa ds laca/k esa viuh fjiksVZ ds ̂ foÙkh; fooj.k ds ys[kk ijh{kk ds fy, ys[kk ijh{kd dh ftEesnkfj;ksa* Hkkx esa of.kZr ftEesnkfj;ksa dks iwjk fd;k gSA rnuqlkj] gekjs ys[kk ijh{kk esa foÙkh; fooj.kksa dh

baLVhVîwV

76

esVsfj;y felLVsVesaV ds tksf[ke ds gekjs ewY;kadu dk tokc nsus ds fy, fMtkbu dh xbZ çfØ;kvksa dk fu"iknu 'kkfey FkkA uhps fn, x, ekeyksa dks lacksf/kr djus ds fy, fu"ikfnr dh xbZ çfØ;kvksa lfgr gekjh ys[kk ijh{kk çfØ;kvksa ds ifj.kke] foÙkh; fooj.kksa ds lkFk gekjh ys[kk ijh{kk jk; ds fy, vk/kkj çnku djrs gSaA

çeq[k ys[kk ijh{kk ekeys ys[kk ijh{kd dk tokc

vutZd vfxzeksa dh igpku vkSj vfxzeksa dk çko/kkuhdj.k

vfxze cSad dh ifjlaifÙk;ksa ds ,d egRoiw.kZ va'k dk xBu djrs gSa vkSj bu vfxzeksa dh xq.koÙkk dks vutZd vfxzeksa ¼^^,uih,**½ ds vuqikr ds vuqlkj ekik tkrk gSA cSad ds fuoy vfxze esa dqy vkfLr dk 92-34% 'kkfey gS vkSj 30 tuw ] 2019 rd cdaS dk ldy ,uih, vuiq kr 0-01% gAS

vk; fu/kkZj.k vkSj ifjlaifÙk oxhZdj.k ¼^^vkbZvkj,lh**½ ij Hkkjrh; fjtoZ cSad ¼^^Hkk-fj-cSad**½ ds fn'kkfunsZ'k] ,uih, dh igpku vkSj oxhZdj.k ds fy, foosdiw.kZ ekunaM vkSj ,slh ifjlaifÙk;ksa ds fy, vko';d U;wure çko/kku fu/kkZfjr djrs gSaA cSad dks ek=kRed vkSj xq.kkRed dkjdksa dks ykxw djds ,uih, ds ,ot esa vko';d igpku vkSj çko/kku dks fu/kkZfjr djus ds fy, vius fu.kZ; dks ykxw djus dh Hkh vko';drk gSA ,uih, dh igpku dk tksf[ke dqN {ks=ksa esa rukoxzLr ¼LVªsl½ vkSj pyfuf/k ljksdkj tSls dkjdksa ls çHkkfor gksrk gSA

fpfàr ,uih, ds fy, çko/kkuhdj.k ,uih, dh ,ftax vkSj oxhZdj.k] olwyh vuqeku] çfrHkwfr ewY; vkSj vU; xq.kkRed dkjdksa ds vk/kkj ij vuqekfur fd;k x;k gS vkSj ;g vkjchvkbZ }kjk fufnZ"V U;wure çko/kkuhdj.k ekunaMksa ds v/khu gSA

cSad us vuqlwph XV & uksV 5 _.k@vfxze vkSj çko/kku ds rgr egRoiw.kZ ys[kkadu uhfr;ksa esa bl laca/k esa viuh ys[kkadu uhfr dks foLr`r fd;k gSA

pwafd ,uih, dh igpku vkSj vfxzeksa ds fy, çko/kkuhdj.k dks vuqeku ds egRoiw.kZ Lrj dh vko';drk gksrh gS vkSj lexz ys[kk ijh{kk dks bldk egRo fn;k x;k gS] geus eq[; ys[kk ijh{kk ekeys ds :i esa ,uih, ds fy, igpku vkSj çko/kkuhdj.k fu/kkZfjr fd;k gSA

vkbZvkj,lh ekunaMksa vkSj vkjchvkbZ }kjk tkjh vU; lacaf/kr ifji=ksa@funsZ'kksa ds lanHkZ esa vfxzeksa ds çfr gekjk ys[kk ijh{kk –f"Vdks.k vkSj cSad dh vkarfjd uhfr;ksa vkSj çfØ;kvksa esa fuEufyf[kr dk ijh{k.k Hkh 'kkfey gS%

• vkbZvkj,lh ij ekStwnk fn'kkfunsZ'kksa ds vk/kkj ij ºzkflr [kkrksa dh igpku ds çeq[k fu;a=.kksa ¼,fIyds'ku daVªksy½ ds fMtkbu vkSj ifjpkyu çHkko'khyrk dks le>uk] ewY;kadu vkSj ijh{k.k djukA

• cSad }kjk ,uih, dh igpku dks doj djus okyh egRoiw.kZ ys[kk ijh{kk çfØ;kvksa lfgr vU; çfØ;k,a fu"ikfnr djukA bu çfØ;kvksa esa 'kkfey Fks%

• LVªsl dh igpku djus gsrq vkjchvkbZ ds cM+s ØsfMV ij lwpuk dk dsaæh; HkaMkj ¼lhvkjvkbZ,ylh½ esa fo'ks"k mfYyf[kr [kkrksa ¼^^,l,e,**½ ds :i esa cSad vkSj vU; cSadksa }kjk fjiksVZ fd, x, [kkrksa ij fopkj djukA

• ;g fu/kkZfjr djus gsrq _.k vkSj tksf[ke foHkkxksa ds lkFk iwNrkN djuk fd ;fn fdlh fo'ks"k _.k [kkrs ;k fdlh mRikn Js.kh esa ftUgsa ,uih, ds :i esa ekuk tkuk pkfg, pwd dh ?kVuk gksus ;k LVªsl ds ladsrd FksA

• ek=kRed vkSj xq.kkRed tksf[ke dkjdksa ds vk/kkj ij p;fur m/kkjdrkZvksa dh vU; lacaf/kr tkudkjh vkSj [kkrk dh leh{kk djukA

• vfxzeksa ds çko/kkuhdj.k ds fy, cSad dh çfØ;k dh le> gkfly djukA

okf"kZd ys[kk

77


vkbZVh ç.kkyh dh fo'oluh;rk vkSj lqj{kk cSad ds dkjksckj ifjpkyu esa egRoiw.kZ Hkwfedk fuHkkrh gSA pwafd cM+h ek=k esa ysu&nsu nSfud :i ls çkslsl gksrs gSa] vr% ;g lqfuf'pr djus gsrq vkbZVh fu;a=.k dh vko';drk gksrh gS fd ,fIyds'ku MsVk dks visf{kr :i ls çkslsl djrk gSa vkSj ifjorZu mfpr rjhds ls fd, tkrs gSaA ;s ç.kkyh cSad dh foÙkh; ys[kkadu vkSj fjiksfVaZx çfØ;k esa Hkh egRoiw.kZ Hkwfedk fuHkkrh gSA

vkbZVh okrkoj.k dh O;kid ç—fr vkSj tfVyrk ds dkj.k geus ,d eq[; ys[kk ijh{kk ekeys ds :i esa vkbZVh ç.kkyh vkSj fu;a=.k dk fu/kkZj.k fd;k gSA

?geus vkbZVh ç.kkyh vkSj fu;a=.kksa ij vius ys[kk ijh{kk dks dsafær fd;k tks cSad dh foÙkh; fjiksfVaZx ds fy, egRoiw.kZ gSaA

?çca/ku }kjk fu;qä mijksä ekeys ds fo'ks"kK }kjk dh xbZ lwpuk çkS|ksfxdh ys[kk ijh{kk ls lacaf/kr fjiksVZ çkIr djuk vkSj gekjh ys[kk ijh{kk çfØ;kvksa ij ;fn dksbZ çHkko iM+rk gS] rks mldk vkdyu djukA

?geus ;g lqfuf'pr djus gsrq egRoiw.kZ ys[kk ijh{kk çfØ;k ykxw dh fd ftu {ks=ksa esa eSU;qvy fu;a=.k gSa os çHkkoh :i ls dk;Z dj jgs gSaA

?gekjh ys[kk ijh{kk çfØ;k ds nkSjku] cSad fjd‚fUlys'ku esa dqN vlkekU; enksa dks ns[kk x;kA gkykafd] mu ysu&nsu dk çHkko HkkSfrd ugha Fkk vkSj gekjh jk; esa bldk dksbZ çHkko ugha gksxkA rFkkfi] ;g çca/ku dks lwfpr fd;k x;k gSA

lwpuk çkS|ksfxdh ¼^^vkbZVh^^½ ç.kkyh vkSj fu;a=.k

LVSaMvyksu foÙkh; fooj.kksa ij çca/ku dh ftEesnkjh

çca/ku bu LVSaMvyksu foÙkh; fooj.kksa dh rS;kjh vkSj fu"i{k çLrqfr ds fy, ftEesnkj gS tks jk"Vªh; vkokl cSad ¼efyu lq/kkj vkSj fuEu ykxr vkokl fuf/k½ fofu;eu] 1993 ds çko/kkuksa ds vuqlkj lkekU; fuf/k vkSj fo'ks"k fuf/k ds fy, rS;kj fd, x, fofu;e ,oa jk"Vªh; vkokl cSad vf/kfu;e] 1987 ¼^vf/kfu;e*½ ds vuqlkj cSad dh foÙkh; fLFkfr] foÙkh; çn'kZu vkSj udnh çokg ds ckjs esa lgh vkSj fu"i{k –f"Vdks.k nsrk gS rFkk vkerkSj ij Hkkjr esa Lohdkj fd, x, ys[kkadu fl)kar] ftlesa n baLVhVîwV v‚Q pkVZMZ vdkmaVsaV~l v‚Q bafM;k }kjk tkjh fd, x, ykxw ys[kkadu ekud vkSj le;≤ ij tkjh vkjchvkbZ fn'kkfunsZ'k 'kkfey gSaA

bl ftEesnkjh esa cSad dh vkfLr dh lqj{kk djus vkSj /kks[kk/kM+h ,oa vU; vfu;ferrkvksa dks jksdus rFkk irk yxkus ds fy, vf/kfu;e ds çko/kkuksa ds vuqlkj i;kZIr ys[kkadu fjd‚MZ dk vuqj{k.k; mfpr ys[kkadu uhfr;ksa dk p;u vkSj vkosnu; fu.kZ; ysuk vkSj vuqeku yxkuk tks mfpr vkSj foosdiw.kZ gSa vkSj i;kZIr vkarfjd foÙkh; fu;a=.kksa dk fMtkbu] dk;kZUo;u vkSj vuqj{k.k tks ys[kkadu fjd‚MZ~l dh lVhdrk vkSj iw.kZrk lqfuf'pr djus ds fy, çHkkoh :i ls dk;Z dj jgs Fks] tks ,d lPps vkSj fu"i{k –f"Vdks.k nsus okys foÙkh; fooj.kksa dh rS;kjh vkSj çLrqfr ds fy, çklafxd gS vkSj esVªsfj;y felLVsVesaV ls eqä gSa pkgs os /kks[kk/kM+h ;k =qfV ds dkj.k gqbZ gksA

foÙkh; fooj.k rS;kj djus esa] çca/ku ys[kkadu ds xksbax daluZ ds vk/kkj ij mi;ksx djus vkSj xksbax daluZ ls lacaf/kr ekeys esa ;Fkk ykxw xksbax daluZ] çdVu ds :i esa tkjh j[kus gsrq cSad dh {kerk dk vkdyu djus ds fy, rc rd ftEesnkj gksrk gS tc rd çca/ku ;k rks cSad dks _.k eqä djus ;k ifjpkyu dks jksdus dk bjknk j[krk gS] ;k ,slk djus ds fy, mlds ikl dksbZ okLrfod fodYi ugha gksrk gSA

78

foÙkh; fooj.kksa dh ys[kk ijh{kk ds fy, ys[kk ijh{kd dh ftEesnkfj;ka

gekjk mís'; bl ckjs esa mfpr vk'oklu çkIr djuk gS fd D;k laiw.kZ :i ls foÙkh; fooj.k esVsfj;y felLVsVesaV ls eqä gSa] pkgs ;g /kks[kk/kM+h ;k =qfV ds dkj.k gqvk gks] vkSj ,d ys[kk ijh{kd dh fjiksVZ tkjh djuk ftlesa ftlesa gekjh jk; Hkh 'kkfey gSA mfpr vk'oklu vk'oklu dk ,d mPp Lrj gS] ysfdu ;g ,d xkjaVh ugha gS tks ys[kk ijh{kk ,l,,l ds vuqlkj djrk gS vkSj tc ;g ekStwn gksrk gS rks ;g ges'kk esVsfj;y felLVsVesaV dk irk yxk,xkA felLVsVesaV /kks[kk/kM+h ;k =qfV ls mRiUu gks ldrh gS vkSj esVsfj;y rc ekuh tkrh gS ;fn] O;fäxr :i ls ;k dqy feykdj] muls bu foÙkh; fooj.kh ds vk/kkj ij mi;ksxdrkZvksa ds vkfFkZd fu.kZ;ksa dks çHkkfor djus dh mfpr vis{kk dh tkrh gSA

,l,,l ds vuqlkj ,d ys[kk ijh{kk ds Hkkx ds :i esa] ge O;olk;h fu.kZ; ysrs gSa vkSj iwjs ys[kk ijh{kk esa O;olk;h lansg vuqjf{kr j[krs gSaA

• foÙkh; fooj.kksa dh lkexzh ds xyr fooj.k ds tksf[keksa dks igpkusa vkSj mudk vkdyu djsa] pkgs /kks[kk/kM+h ;k =qfV ds dkj.k] mu tksf[keksa gsrq mÙkjnk;h ys[kk ijh{kk çfØ;kvksa dks fMtkbu vkSj fu"ikfnr djsa] vkSj ys[kk ijh{kk lk{; çkIr djsa tks gekjh jk; gsrq vk/kkj çnku djus ds fy, i;kZIr vkSj mfpr gSA /kks[kk/kM+h ds ifj.kkeLo:i gksus okyh lkexzh ds xyr fooj.k dk irk ugha yxkus dk tksf[ke =qfV ds ifj.kkeLo:i gksus okys ,d ls vf/kd gS] D;ksafd /kks[kk/kM+h esa feyhHkxr] /kks[kk/kM+h] tkucw>dj pwd] xyr c;kuh] ;k vkarfjd fu;a=.k dks j) djuk] 'kkfey gks ldrh gSA

• mi;ksx dh xbZ ys[kkadu uhfr;ksa dh mi;qärk vkSj çca/ku }kjk fd, x, ys[kkadu vuqekuksa vkSj lacaf/kr çdVhdj.k dk mfpr ewY;kadu djsaA

• ys[kkadu dh daluZ ds vk/kkj ds çca/ku ds mi;ksx dh mi;qärk ij fu"d"kZ fudkysa vkSj ;g çkIr lk{;ksa ds vk/kkj ij ;g lcwr çkIr fd;k fd D;k lkexzh vfuf'prrk mu ?kVukvksa ;k fLFkfr;ksa ls lacaf/kr gS tks cSad dh {kerk ij egRoiw.kZ lansg Mky ldrs gSa tks ,d daluZ dk fo"k; gSA ;fn ge ;g fu"d"kZ fudkyrs gSa fd fdlh lkexzh dh vfuf'prrk ekStwn gS] rks gesa foÙkh; fooj.kksa esa lacaf/kr çdVhdj.k ;k ;fn bl rjg ds çdVhdj.k vi;kZIr gSa] rks gekjh jk; dks la'kksf/kr djus gsrq gekjh ys[kk ijh{kd fjiksVZ esa /;ku vkdf"kZr djuk vko';d gSA gekjs fu"d"kZ gekjs ys[kk ijh{kd dh fjiksVZ dh frfFk rd çkIr ys[kk ijh{kk lk{; ij vk/kkfjr gSaA gkyk¡fd] Hkfo"; dh ?kVukvksa ;k fLFkfr;ksa ds dkj.k cSad daluZ dk fo"k; cu ldrk gSA

• foÙkh; fooj.kksa dh lexz çLrqfr] lajpuk vkSj lkexzh dk ewY;kadu djsa] ftlesa çdVhdj.k Hkh 'kkfey gSa] vkSj muds foÙkh; fooj.kksa dks la{ksi esa varfuZfgr ysunsuksa vkSj ?kVukvksa dk çfrfuf/kRo djrs gSa tks mfpr çLrqrhdj.k çkIr djrs gSaA

ge vU; ekeyksa esa] ys[kk ijh{kk ds fu;ksftr nk;js vkSj le; vkSj egRoiw.kZ ys[kk ijh{kk fu"d"kksaZ ds lkFk] vkarfjd fu;a=.k esa fdlh Hkh egRoiw.kZ dfe;ksa dks 'kkfey djrs gSa] ftls ge vius ys[kk ijh{kk ds nkSjku igpkurs gSaA

ge lapkyu ds lkFk vfHk'kklu ds mu çHkkjksa dks Hkh çnku djrs gSa ftUgsa geus Lora=rk ls lacaf/kr çklafxd uSfrd vko';drkvksa dk vuqikyu fd;k gS] vkSj mu lHkh laca/kksa vkSj vU; ekeyksa ds lkFk lapkj djus gsrq tks gekjh Lora=rk vkSj tgka ykxw gks] lacaf/kr lqj{kk mik;ksa dks O;ogkj djus ds fy, mfpr :i ls lkspk tk ldrk gSA

vfHk'kklu ls çHkkfjr ekeyksa ds lkFk lapkfjr ekeyksa ls] ge mu ekeyksa dks fu/kkZfjr djrs gSa tks orZeku vof/k ds foÙkh; fooj.kksa ds ys[kk ijh{kk esa vf/kdka'k egRoiw.kZ Fks vkSj blfy, çeq[k ys[kk ijh{kk ds ekeys FksA ge vius ys[kk ijh{kd dh fjiksVZ esa bu ekeyksa dk o.kZu djrs gSa fd tc rd dkuwu ;k fofu;eu bl ekeys ds laca/k esa lkoZtfud çdVhdj.k ugha djrs gSa ;k tc vR;ar nqyZHk ifjfLFkfr;ksa esa] ge ;g fu/kkZfjr djrs gSa fd gekjh fjiksVZ esa fdlh ekeys dk lapkj ugha fd;k tkuk pkfg, D;ksafd ,slk djus ds nq"ifj.kkeksa ls bl rjg ds lapkj ds ykHk ls

okf"kZd ys[kk

79


lkoZtfud fgr dks çHkkfor fd;k tk,xkA

vU; fof/k vkSj fofu;ked vko';drkvksa ij fjiksVZ

d½ rqyu i= vkSj ykHk vkSj gkfu [kkrs vkSj udnh çokg dks ;Fkk la'kksf/kr ¼vf/kfu;e½ jk"Vªh; vkokl cSad vf/kfu;e] 1987 ds vuqlkj vkSj jk"Vªh; vkokl cSad ¼efyu lq/kkj ,oa fuEu ykxr vkokl fuf/k½ vf/kfu;e] 1993 ds vuqlkj fo'ks"k fuf/k gsrq vkSj lkekU; fuf/k ds rgr fofu;eksa dks rS;kj fd;k x;k gSA

[k½ geus mu lHkh lwpukvksa vkSj Li"Vhdj.kksa dks ekaxk vkSj çkIr fd;k gS tks gekjs ys[kk ijh{kk ds mís';ksa gsrq gekjs Kku vkSj fo'okl ds fy, lcls Js"B FksA

x½ gekjs fopkj ls] dkuwu }kjk visf{kr [kkrs dh mfpr cgh cSad }kjk vc rd j[kh xbZ gSa D;ksafd ;g mu cgh dh gekjh tkap ls çdV gksrk gSA

?k½ rqyu i=] ykHk vkSj gkfu dk fooj.k] vkSj fuiVk, x, udn çokg fooj.k bl fjiksVZ ds vuqlkj [kkrs dh cgh ds lkFk gSaA

M-½ cSad ds ysu&nsu] tks gekjs /;ku esa vk, gSa] cSad dh 'kfä;ksa ds Hkhrj gq, gSaA

p½ gekjs fopkj ls] bl fjiksVZ ls iwoksZä foÙkh; fooj.k fuiVk, x, foÙkh; fooj.k ykxw ys[kk ekudksa dk vuqikyu djrs gSaA

caly ,aM dks ,y,yih gsrqpkVZMZ ,dkmaVsaV

Mh-,l jkor¼lk>snkj½

;wMhvkbZ,u % 19083030AAAAAX5435

QeZ iath- la- 001113,u@,u500079a

¼lnL;rk la- 083030½ gLrk{kj % ubZ fnYyhfnukad % 22 vxLr] 2019

jk"Vªh; vkokl cSad

2018&19okf"kZd ys[kk

¼tqykbZ] 2018 ls twu] 2019

fiNyk o"kZ ns;rk,a vuqlwfp;ka pkyw o"kZ

1]450-00 1- iwath I 1]450-00 6]367-75 2- vkjf{kr fuf/k;ka II 6]824-52 376-09 3- ykHk vkSj gkfu ys[kk III 656-41 7]858-53 4- ckW.M vkSj fMcsaPkj IV 10]840-55 36]190-01 5- tekjkf'k;ka V 40]591-80 8]637-06 6- m/kkj VI 12]056-42 340-60 7- vkLFkfxr dj ns;rk ¼fuoy½ 428-60 2]017-18 8- pkyw ns;rk,a vkSj izko/kku VII 2]713-96 35-46 9- vU; ns;rk,a VIII 35-46 0-06 10- cSad vkSj vk-fo-da- ds ikl ,p,y,

63]272-74 dqy 75]597-78

0-06tekjkf'k;ka&dksUVªk ds vuqlkj

jk"Vªh; vkokl cSad rqyu&i=

g@&vkj-ds- vjfoan{ks=h; izca/kd

ubZ fnYyh] 22 vxLr] 2019

` djksM+ esa

g@&eksfgr dkSy

lgk;d egkizca/kd

g@&jkds'k voLFkh

eq[; foÙkh; vf/kdkjh

g@&MkW- v'ouh dqekj f=ikBh

dk;Zikyd funs'kd

g@&,l-ds-gksrkizca/k funs'kd

g@&iadt tSufuns'kd

82

okf"kZd ys[kk

fiNyk o"kZ vkfLr vuqlwfp;ka pkyw o"kZ

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tekjkf'k;ka& dksUVªk ds vuqlkj

30 twu] 2019 dh ;FkkfLFkfr

le rkjh[k dks gekjs layXu fjiksVZ ds vuqlkj

d`rs clay ,aM da-] ,y,yihpkVZMZ vdkmaVsaV

QeZ iath- la- 001113,u@,u500079

96-81 vkdfLed ns;rk XIV 144-95

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g@&¼MkW- Mh-,l- jkor½

HkkxhnkjlnL;rk la- 083030

` djksM+ esa


83

63]272-74 dqy 75]597-78

3]031-63 1-C;kt 3]323-23 19-69 2-deZpkfj;ksa dk osru] HkÙkk vkfn vkSj lsokar ykHk 21-12 0-08 3-funs'kd vkSj lfefr lnL;ksa dk 'kqYd vkSj O;; 0-08 0-13 4-ys[kkijh{kk 'kqYd 0-14

2-32 5-fdjk;k] dj] fo|qr vkSj chek 3-34 0-60 6-Mkd 'kqYd] rkj] VsysDl vkSj VsyhQksu 0-45 1-31 7-fof/k izHkkj 0-76

8-ys[ku lkexzh] eqnz.k vkSj foKkiu vkfn 0-33 (i) ys[ku lkexzh vkSj eqnz.k 0-31 0-84 (ii) foKkiu 0-60 0-91 44-63 9-LoSi Mhyksa ij ns; dwiu@ihvks,l ij ns; izhfe;e 76-39 7-06 10-vpy vkfLr;ksa ij ewY;gzkl 5-65 7-26 11-nykyh] xkajVh Qhl rFkk m/kkjh ij vU; O;; 4-97 3-07 12-m/kkjksa ij LVkEi 'kqYd 4-10 2-85 13-;k=k O;; 1-72 2-00 14-dkjiksjsV lkekftd mÙkjnkf;Ro O;; 2-00 23-42 15-vU; O;; 20-41 7-32 16-fuos'k ij ifj'kks/ku@ewY;gzkl (0-08)

21-19 17-fofue; gkfu@¼ykHk½ 13-66 0-87 18-iwoZ vof/k O;; 0-24 26-94 19-ekud vfLr;ksa gsrq izko/kku 404-40 54-44 20-vk; dj vf/kfu;e] 1961 dh /kkjk 36¼1½ ¼viid½ 78-01

- 0-00 21-vutZd vkfLr;ksa ys[kk gsrq izko/kku (0-42) 67-26 22-vkLFkfxr dj 88-00 349-31 23-vk; dj 493-50 751-11 24- rqyu i= dks vxzsuhr ykHk ¼vuqlwph III dk lanHkZ ysa½ 732-97 4]425-66 dqy 5]275-55

¼x½ ds v/khu Mqcar vkSj lafnX/k _.kksa ds fy, izko/kku

jk"Vªh; vkokl cSad ykHk vkSj gkfu ys[kk` djksM+ esa

fiNyk o"kZ pkyw o"kZ O;;



g@&eksfgr dkSy

lgk;d egkizca/kd

g@&jkds'k voLFkh



dk;Zikyd funs'kd


g@&iadt tSufuns'kd

84

okf"kZd ys[kk

1- C;kt ,oa NwV4131-75 (i) _.k vkSj vfxze 4]740-51

11-30 (ii) cSad tekjkf'k 47-43 4]787-94 197-85 2- fuos'k ls vk; 194-85

(4-39) 3- fuos'k dh fcØh ij ykHk 256-07 25-22 4- E;qpwvy QaM dh [kjhn vkSj fcØh ij ykHk 11-28

(0-07) 5- vpy laifÙk;ksa dh fcØh ij ykHk@¼gkfu½ 0-01 8-07 6- iwoZ vof/k vk; 0-05 4-76 7- vU; vk; 10-72

46-46 8- iqukZadu ds fy, vc izko/kku visf{kr ugha gS 0-13 0-05 9- ckW.M~l ij izhfe;e dk ifj'kks/ku 0-05 4-66 10- ok;nk fofue; ij izhfe;e dk ifj'kks/ku 14-45

30 twu] 2019 dh ;FkkfLFkfr


QeZ iath- la- 001113,u@,u500079ag@&

¼MkW- Mh-,l- jkor½Hkkxhnkj

lnL;rk la- 083030

vuqlwph I ls XV rd ys[kk dk vfHkUu fgLlk gSAle rkjh[k dks gekjs layXu fjiksVZ ds vuqlkj

fiNyk o"kZ vk; pkyw o"kZ ` djksM+ esa

4]425-66 dqy 5]275-55


85

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vuqlwfp;ka

1]450-00 1-izkf/kd`r 1]450-00 1]450-00 2-fuxZfer vkSj pqdrk iwath ¼Hkkjr ljdkj ds 1]450-00

1]450-00 1]450-00 varxZr lkafof/kd fudk;½*

* fnukad 19-03-2019 dkss rRdky izHkko ls Hkkjrh; fjtoZ cSad ls Hkkjr ljdkj dks 'ks;jksa dk varj.k

fiNyk o"kZ pkyw o"kZ

vuqlwph&Iiwath ` djksM+ esa

86

okf"kZd ys[kk

;Fkk 30

twu] 20

19 d

ks rqyu&i=

dh vuqlwfp

;ka

vuqlwph

- II

fooj

.k01

-07-20

18

ds v

uqlkj 'ks"k

dVkSfr;ka

1- v

kjf{kr fuf/k

4]896

-03

178

-74

0-00

5]074

-77

2- fo'

ks"k fuf/k

¼efy

u cL

rh fod

kl v

kSj fuE

u 4

22-69

16-41

0-00

439

-10

3- v

k; d

j vf/kfu;e] 1

961

dh /kkjk 3

6 9

72-00

257

-50

0-00

1]229

-50

4- fuo

s'k ?kV&c<

+ vkjf{kr fuf/k

20-08

0-00

0-00

20-08

5- d

ehZ d

Y;k.k fuf/k ¼,l

ch,Q

½ 5

6-95

4-52

0

-40

61-07

dqy

6]367

-75

45

7-17

0

-40

6]824

-52

ykxr

okyh vkokl

fuf/k½

¼1½¼v

iii½ d

s vuql

kj fo'

ks"k v

kjf{kr fuf/k

#

# `

4-52

djksM+ d

s cSad t

ek jkf'

k ij

vft

Zr C;kt

lfgr

` djksM+ e

sa

30-06-20

19

ds v

uqlkj 'ks"k

vkjf{kr fuf/k;ka

vkjf{kr fuf/k;

ka

tksM

+


112

vuqlwfp;ka

ykHk ,oa gkfu ys[kk 1]213-19 ykHk dk 'ks"k vkxs yk;k x;k 376-09 751-11 ykHk vkSj gkfu ys[kk ds vuqlkj 'ks"k 732-97

?kVk,a% fofu;ksx% 178-49 ¼d½ vk; dj vf/kfu;e] 1961 dh /kkjk 36 257-50

1]397-38 ¼[k½ vkjf{kr fuf/k esa varj.k 178-74 12-34 ¼x½ fo'ks"k fuf/k ds ykHk ¼efyu cLrh fodkl 16-41 452-65

376-09 656-41

¼1½¼viii½ ds rgr fo'ks"k vkjf{kr fuf/k esa varj.k

vkSj fuEu ykxr okyh vkokl fuf/k½ dk fo'ks"k fuf/k [kkrs esa varj.k

;Fkk 30 twu] 2019 dks rqyu&i= dh vuqlwfp;ka

jk"Vªh; vkokl cSad

` djksM+ esa


vuqlwph - III

88

okf"kZd ys[kk

1]016-63 1- thjks dwiu ckW.M 0-00 2]000-00 2- ,u,pch ckW.M 6]037-10

3- izkFkfed {ks= ckW.M 4]640-60 ¼d½ dj&eqDr ckW.M 4]640-55 201-30 ¼[k½ fo'ks"k J`a[kyk ckW.M 162-90 4]803-45 7]858-53 10]840-55

vuqlwph - IV

ckW.M vkSj fMcsapj

25]500-00 1- xzkeh.k vkokl fuf/k ds varxZr cSadksa ls tekjkf'k;ka 22]500-00 10]500-00 2- 'kgjh vkokl fuf/k ds varxZr cSadksa ls tekjkf'k;ka 10]500-00

0-00 3- fdQk;rh vkokl fuf/k ds varxZr cSadksa ls tekjkf'k;ka 7]500-00 190-01 4- turk ls vU; tekjkf'k;ka 91-80 36]190-01 40]591-80

1- Hkkjrh; fjtoZ cSad ls% 2-61 _.k lhek 0-00

2- vU; lzksrksa ls%¼d½ Hkkjr esa%

400-00 (i) lkof/k tekjkf'k;ksa ij m/kkj 0-00 4]000-00 (ii) lkof/k _.k ds ek/;e ls m/kkj 4]505-00

0-00 (iii) okf.kfT;d i= 2]955-22 7]460-22 1]365-77 ¼[k½ Hkkjr ls ckgj 1]940-98 2]868-68 3- lhch,yvks m/kkj 0-00

0-00 4- VhvkjbZih m/kkj 2]655-22 8]637-06 12]056-42


` djksM+ esa

fooj.k

` djksM+ esa

vuqlwph - V

tek jkf’k;ka

fiNyk o"kZ pkyw o"kZ fooj.k

vuqlwph - VI

m/kkj ` djksM+ esa

fiNyk o"kZ pkyw o"kZ fooj.k


89

1- ns; C;kt%1-48 d½ vnkokd`r C;kt 1-50

237-66 ¼[k½ vU; ckW.M vkSj fMcsapj ij ns; C;kt 365-22509-72 ¼x½ tekjkf'k;ksa ij ns; C;kt 529-92

0-98 ¼?k½ lhch,yvks m/kkj ij ns; C;kt 0-0022-73 ¼³½ vU; m/kkjksa ij ns; C;kt 41-6611-51 ¼p½ LoSi MhYl

2- lsokfuo`fÙk ykHkksa ds fy, izko/kku%1-08 ¼d½ lsokfuo`Ùk vf/kdkfj;ksa ds fy, fpfdRlk O;; 1-205-28 ¼[k½ vodk'k udnhdj.k 6-586-81 ¼x½ minku 7-241-81 ¼?k½ vodk'k ;k=k fj;k;r 2-126-01 ¼³½ :X.krk vodk'k 6-214-22 ¼p½ isa'ku 3-74 27-09

3- vU; izko/kku%231-14 ¼d½ ok;nk fofue; lafonkvksa ij gkfu gsrq izko/kku

443-39 ¼[k½ vk; dj vf/kfu;e] 1961 dh /kkjk 36¼1½ ¼viid½¼x½ ds

0-02 ¼?k½ iqu% rS;kj ys[kksa ewY;ksa ds ewY;gzkl gsrq izko/kku 0-0210-00 ¼³½ vkdfLed O;; gsrq izko/kku 10-000-22 ¼p½ ,p,y, tekjkf'k;ksa ds fy, izko/kku 0-220-20 ¼N½ vU; izko/kku 0-20

21-93 ¼t½ lkafof/kd ns;rk,a ,oa vU; 10-13 1]177-510-71 4- ifj'kks/ku ns; ys[kk 0-843-27 5- iwath vfHkykHk ckW.M vfrns; ys[kk 3-214-33 6- lqfuf/k@lqo`f) vfrns; 7-951-76 7- ty vkSj lQkbZ ifj;kstukvksa ds dk;kZUo;u ds fy, 1-76

15-34 8- 1 izfr'kr C;kt jkgr ;kstuk ds rgr izkIr jkf'k 16-321-22 9- 'kgjh xjhcksa ds fy, vkokl gsrq C;kt lfClMh ;kstuk 1-30

27-83 10- ,e,uvkjbZ lfClMh ;kstuk ds rgr izkIr jkf'k 29-6132-64 11- jktho _.k ;kstuk ds rgr izkIr jkf'k 34-27

361-29 12- _.k vk/kkfjr lfClMh ;kstuk ¼lh,y,l,l½ ds rgr izkIr jkf'k 311-1144-07 13- vU; ns;rk,a 150-268-53 14- vkbZvksVh 0-00

2]017-18 2]713-96

ij ns; C;kt 13-160-00 ¼N½ VhvkjbZih m/kkj ij ns; C;kt 1-27 952-73

635-54521-40

v/khu Mqcar rFkk lafnX/k _.kksa

;w,u&gSchVsV pØ.k fuf/k

ds rgr izkIr jkf'k

vuqlwph - VII

orZeku ns;rk,a ,oa izko/kku

vuqlwfp;ka

` djksM+ esa


90

okf"kZd ys[kk

0-17 1- o"kZ 1991&92 ds vfu.khZr ysu&nsu 0-17 35-29 2- vfu.khZr ysu&nsuksa ij ns; C;kt 35-29 35-46 35-46

vuqlwph - VIII

vU; ns;rk,a

1 gLrxr udn@psd @0-04 2 Hkkjrh; fjtoZ cSad esa pkyw [kkrk 0-05

3 vU; cSadksa ds ikl 'ks"k%¼d½ Hkkjr esa

460-36 (i) pkyw [kkrk 398-34400-00 (ii) cSadksa ds ikl lkof/k tek 1]000-0053-96 (iii) cdaS k as d s ikl lkof/k tke ¼depZ kjh dY;k.k fuf/k½ 57-00 1]455-34

¼[k½ Hkkjr ls ckgj293-76 cSadksa ds ikl lkof/k tek 239-82

1]208-12 1]695-21

@

vuqlwph - IX

udn vkSj cSad 'ks"k

` djksM+ esa

vuqlwfp;ka fiNyk o"kZ pkyw o"kZ

` djksM+ esavuqlwfp;ka fiNyk o"kZ pkyw o"kZ

@ jkf'k ` 0-50 yk[k ls de


91

1- dsanz vkSj jkT; ljdkj dh izfrHkwfr;ak dher ij ;k cktkj ewY; ij tks Hkh de gks

100-05 ¼d½ ljdkjh izfrHkwfr;ka ¼lhch,yvks izpkyu 93-15

6-98 ?kVk,a% ewY;àkl 0-00 93-152]785-27 ¼[k½ jktdks"kh; gqafM;ka ¼lhch,yvks izpkyu 2]676-78

40-43 2- vkokl foÙk laLFkkuksa ds LVkWd] 'ks;j] ckW.M] 5-10

3- vU; laLFkkvksa ds LVkWd] 'ks;j] ckW.M fMcsapj

726-04 ¼d½ vU; laLFkkuksa ds 'ks;j 726-040-53 ¼[k½ Hkou fuekZ.k lkexzh daiuh ds 'ks;j 0-530-53 ?kVk,a% ewY;àkl 0-53 0-00 726-04

3]644-81 3]501-07

ds fy, lhlhvkbZ,y ds ikl ca/kd½

ds fy, lhlhvkbZ,y ds ikl ca/kd½

fMcsapj vkSj izfrHkwfr

vkSj izfrHkwfr%

vuqlwph - X

fuos’k

vuqlwph - XI

_.k ,oa vfxze

I iqufoZÙk1- vkokl foÙk laLFkku%

37]194-66 ¼d½ vkokl foÙk daifu;ka 50]477-09 0-26 ¼[k½ lgdkjh vkokl foÙk lkslk;fV;ka 0-00 50]477-09

2- vuqlwfpr cSad% ¼d½ okf.kfT;d cSad 18]315-38

846-74 ¼[k½ {ks=h; xzkeh.k cSad 753-52 164-70 ¼x½ 'kgjh lgdkjh cSad 165-74 19]234-64

II izR;{k _.k 112-67 3- vkokl cksMZ] fodkl izkf/kdj.k vkfn 97-67 57]688-23 ldy _.k vkSj vfxze 69]809-40 4-61 ?kVk,a% xSj&fu"iknudkjh ifjlaifÙk;ksa ds fy, izko/kku 4-19 57]683-62 fuoy _.k vkSj vfxze 69]805-21

19]369]20

` djksM+ esa

vuqlwfp;ka fiNyk o"kZ pkyw o"kZ

` djksM+ esavuqlwfp;ka fiNyk o"kZ pkyw o"kZ

92

okf"kZd ys[kk

vuqlwph

- X

II

vU;

vkfLr

;ka

iV~Vk Hkwfe

13-95

-13

-95

0-34

0-02

0

-36

13-59

1

3-61

Hkwfe&

iw.kZ

3-94

394

3

-94

3-94

ifjl

j19

-37

1937

822

0

48

8

-70

10-67

1

1-16

eksVj

okgu

1-91

191

120

0

34

1

-54

0-37

0-71

QuhZpj vkSj

2-58

040

-298

162

0

26

1

-88

1-10

0-95

dk;kZy

;2-60

003

033

230

232

0

13

033

2

12

018

0

29

dEI;

wVj

2224

064

047

2241

1689

3

78

054

2

013

2

28

5-33

verw Z

9-27

0-31

9-58

8-11

0-63

(0-08

)

8

-81

0-76

1-17

0-14

0-04

0-10

0-09

0-01

0-01

0

-09

0-01

0-05

dqy

76-00

1

-38

0-84

7

6-54

3

8-79

5

-65

0-80

4

3-64

3

2-90

3

7-21

fiNyk o"kZ

69-11

7

-44

0-55

7

6-00

3

9-02

7

-06

0-45

(6-84

) 3

8-79

3

7-21

3

0-09

--

-

--

--

--

Lokfe

Ro-

--

--

--

-

--

--

--

--

--

--

--

-

tqM+ukj

--

--

--

--

--

miL

dj

vkSj

--

--

--

--

--

-ekbØ

kiskzlslsj

ifjliafÙk*

--

-

lkt

&lTt

k-

--

Ldhe d

s v

/khu

ifjl

aifÙk;ka

--

-

fooj

.k01

-07-20

18

dh ;F

kkfLFkfr

dEI;

wVj

9-27

0-31

9

-58

8-11

0-63

(0-08

)

8

-82

0-76

1-17

--

-lkW¶Vo

s;j

*vewrZ i

fjlaifÙk;ksa dk C;kSjk

ykxr CykWd

ewY;

gzkl

fuoy

CykWd

o`f)

;ka

dVkSrh

lek;kst

u30

-06-20

19

dh ;F

kkfLFkfr

01

-07-20

18

dh ;F

kkfLFkfr

o`f)

;ka

dVkSrh

lek;kst

u30

-06-20

19

dh ;F

kkfLFkfr

30

-06-20

19

dh ;F

kkfLFkfr

30

-06-20

18

dh ;F

kkfLFkfr

fooj

.k01

-07-20

18

dh ;F

kkfLFkfr

ykxr CykWd

ewY;

gzkl

fuoy

CykWd

o`f)

;ka

dVkSrh

lek;kst

u30

-06-20

19

dh ;F

kkfLFkfr

01

-07-20

18

dh ;F

kkfLFkfr

o`f)

;ka

dVkSrh

lek;kst

u30

-06-20

19

dh ;F

kkfLFkfr

30

-06-20

19

dh ;F

kkfLFkfr

30

-06-20

18

dh ;F

kkfLFkfr

` djksM+ e

sa

` djksM+ e

sa


93

1- C;kt izkIrO;% 3-98 ¼d½ cSad tekjkf'k;ka 11-80 122-54 ¼[k½ fuos'k 108-21 120-01

2- vfxze] izkIrO;] vfxze dj] vkSj iwoZnÙk O;;% 14-66 ¼d½ deZpkjh _.k vkSj vfxze 16-18 178-25 ¼[k½ vfxze dj] ,QchVh] VhMh,l vkfn 138-77

¼x½ fofo/k olwyh ;ksX; jkf'k 0-46 lafnX/k ekus x, 0-46 0-46 ?kVk,a% izko/kku 0-46 0-00 3-83 ¼?k½ iwoZnÙk O;; 3-45 43-14 ¼³½ izkIrO; O;kt lfgr lhlhvkbZ,y 42-98

54-63 ¼p½ ;w,l,vkbZMh m/kkjh ds fofue; gkfu 56-66

67-80 ¼N½ vU; 6-22 264-26 176-62 3- Ok"kZ 1991&92 ds vfu.khZr ysu&nsu 176-62 33-47 4- fiazlhiy vkWuyh LoSi ¼ihvks,l½ 2-44

698-92 563-33

ds ikl tek

lek;kstu gsrq Hkkjr ljdkj ls izkIr O;;@jkf'k

lafonkvksa ij ykHk gsrq izko/kku

vuqlwph - XIII

vU; vkfLr;ka

vuqlwph - XIV vkdfLed ns;rk,a

96-36 1- ok;nk fofue; lafonk ds dkj.k ns;rk,a 144-13 0-45 2- izca/k funs'kd ,oa eq[; dk;Zikyd vf/kdkjh rFkk dk;Zikyd 0-72

0-00 3- isa'ku jkf'k esa varj ¼HkwriwoZ lgk;d egkizca/kd] jk-vk-cSad½ 0-07 0-00 4- ftyk miHkksDrk eap ekeys 0-03

96-81 144-95

funs'kd dks dk;Zfu"iknu vk/kkfjr izksRlkgu

fiNyk o"kZ pkyw o"kZ vuqlwfp;ka

fiNyk o"kZ pkyw o"kZ vuqlwfp;ka

` djksM+ esa

` djksM+ esa

94

okf"kZd ys[kk

vuqlwph & XV

30 twu] 2019 dks lekIr o"kZ ds ys[kkvksa ds Hkkx&Lo:i fVIif.k;ka

¼d½ egRoiw.kZ ys[kkadu uhfr;ka

1- rS;kjh dk vk/kkj

foRrh; fooj.k ,sfrgkfld ykxr ifjikVh ds rgr] ys[kkadu izksn~Hkou vk/kkj ij rS;kj fd;s tkrs gSa] tc rd vU;Fkk mfYyf[kr u gks vkSj ;s Hkkjr esa lkekU;r;k Lohd`r ys[kkadu fl)kar ¼th,,ih½ ds vuqlkj gSa] ftlesa ykxw lkafof/kd izko/kku] Hkkjrh; lunh ys[kkdkj laLFkku ¼vkbZlh,vkbZ½ }kjk tkjh ys[kkadu ekud ¼,,l½ vkSj Hkkjrh; fjtoZ cSad ¼vkjchvkbZ½ }kjk fu/kkZfjr fofu;ked ekud lekfo"V gSaA

rqyu&i= rFkk ykHk ,oa gkfu ys[kk jk"Vªh; vkokl cSad vf/kfu;e] 1987 vkSj mlds v/khu fufeZr jk"Vªh; vkokl cSad lkekU; fofu;e] 1988 ds vuqlkj rS;kj fd;s x;s gSaA

2- vuqekuksa dk mi;ksx

foRrh; foojf.k;ka rS;kj djus ds fy, vko';d gksrk gS fd izca/ku mu izkDdyuksa vkSj iwokZuqekuksa dks rS;kj djas tks foRrh; foojf.k;ksa dh rkjh[k dks lwfpr ifjlaifRr;ksa vkSj ns;rkvksa rFkk fjiksVZ dh vof/k ds nkSjku lwfpr vk; ,oa O;; dks izHkkfor djrs gSaA çca/ku dk ekuuk gS fd foÙkh; fooj.kksa dh rS;kjh esa mi;ksx fd, tkus okys vuqeku foosdiw.kZ vkSj mfpr gSaA okLrfod ifj.kke bu vuqekuksa ls vyx gks ldrs gSaA ys[kkadu vuqekuksa esa dksbZ Hkh la'kks/ku lacaf/kr ys[kkadu ekudksa dh vis{kkvksa ds vuqlkj Lohdkj fd;k tkrk gSA

3- vk; ,oa O;;

3-1- vk; ,oa O;; dh x.kuk fuEu ds vfrfjDr izksn~Hkou vk/kkj ij dh tkrh gS] fuEu dh x.kuk udn vk/kkj ij dh tkrh gS%

3-1-1-_.k dh 'krksZa dk vuqikyu u djus vFkok _.k ns; jkf'k dh izkfIr esa foyac ds dkj.k] C;kt dh lkekU; nj ds vfrfjDr naM Lo:Ik C;kt ds ek/;e ls vk;A

3-1-2-_.k ds iwoZ&Hkqxrku ij mn~xzg.k ¼ysoh½A

3-1-3-C;kt ds vfLFkj ls fLFkj nj esa ifjorZu vkSj blds foijhr Øe esa ifjorZu ds fy, ifjorZu izHkkjA

3-1-4 vutZd vkfLr;ksa ij C;ktA

3-1-5-fofu;ked vis{kkvksa vFkok jk-vk-cSad }kjk le;≤ ij tkjh fn'kkfunsZ'kksa dk vuqikyu u djus ij jk-vk-cSad }kjk yxk;k x;k tqekZukA


95

3-1-6 _.k fujh{k.k izHkkjksa ds :i esa vkokl foÙk daifu;ksa@cSadksa ls izkIr jkf'kA

3-1-7-vU; fofo/k izkfIr;ka] tSls jn~nh eky@iqjkus v[kckj cspus ls izkfIr;ka] lwpuk dk vf/kdkj ¼vkjVhvkbZ½ vf/kfu;e ds rgr izkfIr;ka vkfnA

3-2- tc ykHkka'k izkIr djus dk vf/kdkj fl) gks tk, rks fuos'k ij ykHkka'k dk fglkc fn;k tkrk gSA

3-3- orZeku vof/k O;; gsrq vf/kdre ? 10]000@& izfr ysunsu iwoZ&iznRr O;; izHkkfjr fd;k tkrk gSA

3-4- orZeku vof/k O;; gsrq vf/kdre ? 10]000@& izfr ysunsu O;; izHkkfjr fd;k tkrk gSA

3-5- ckW.M tkjh djus ds o"kZ esa O;; ds rkSj ij ckW.M ds izorZu ls lacaf/kr fuxZe O;; vkSj LVkai 'kqYd Lohdkj fd, tkrs gSaA

4- fuos’k

orZeku fofu;ked fn'kk&funsZ'kksa ds vuqlkj fuos'kksa dk o.kZu izLrqr fd;k tkrk gSA

4-1 oxhZdj.k

Hkk-fj-cSad ds fn'kkfunsZ'kksa ds vuqlkj] fuos'kksa dks] ifjiDork ds fy, /kkfjr ¼,pVh,e½] fcØh ds fy, miyC/k ¼,,Q,l½ vkSj O;kikj ds fy, /kkfjr ¼,p,QVh½ esa oxhZd`r fd;k tkrk gSA buesa ls izR;sd Js.kh esa fuos'kksa dks vkxs fuEukuqlkj oxhZd`r fd;k tkrk gS%

(i) ljdkjh izfrHkwfr]

(ii) vU; vuqeksfnr izfrHkwfr;ka]

(iii) 'ks;j]

(iv) ykHkka'k ,oa ckW.M]

(v) lgk;d daifu;ka@la;qDr m|e vkSj

(vi) vU;

4-2 oxhZdj.k dk vk/kkj %

4-2-1- fuos'k] ftUgsa cSad ifjiDork dh vof/k rd /kkfjr j[kuk pkgrk gS] mUgsa ifjiDork ds fy, /kkfjr ds rkSj ij

96

okf"kZd ys[kk

oxhZd`r fd;k tkrk gSA

4-2-2- fuos'k] ftUgsa eq[;r% Ø; dh rkjh[k ls 90 fnu ds varxZr iqufoZØ; gsrq j[kk tkrk gS] mUgsa O;kikj ds fy, /kkfjr ds rkSj ij oxhZd`r fd;k tkrk gSA

4-2-3- fuos'k] ftUgsa mijksDr nks Jsf.k;ksa esa oxhZd`r ugha fd;k x;k gS] os fcØh ds fy, miyC/k ds rkSj ij oxhZd`r gSaA

4-2-4- fdlh Hkh fuos'k dks blds Ø; ds le; ij ifjiDork ds fy, /kkfjr] fcØh ds fy, miyC/k vFkok O;kikj ds fy, /kkfjr ds rkSj ij oxhZd`r fd;k tkrk gS vkSj fofu;ked fn'kk&funsZ'kksa ds vuq:i bu Jsf.k;ksa esa vuqorhZ ifjorZu fd;k tkrk gSA

4-3 ewY;kadu %

4-3-1- fuos'k dh vf/kxzg.k ykxr fu/kkZfjr djus esa %

d½ vfHknkuksa ij izkIr nykyh vkSj@;k deh'ku dks ykxr ls dkVk tkrk gSA

[k½ fuos'k vf/kxzg.k ds laca/k esa vnk fd, x, nykyh] deh'ku] izfrHkwfr ysu&nsu dj] vkfn dk O;; vfxze ¼viÝaV½ fd;k x;k gS vkSj mUgsa ykxr ls i`Fkd j[kk tkrk gSA

x½ _.k fy[krksa ij iznRr@izkIr [kafMr vof/k C;kt dks C;kt O;;@vk; ds rkSj ij ekuk tkrk gS vkSj ykxr@fcØh izfrQy ls i`Fkd j[kk tkrk gSA

?k½ ,pVh,e@ ,,Q,l vkSj ,p,QVh Js.kh ds varxZr fuos'k gsrq Hkkfjr vkSlr ykxr i)fr ij ykxr fu/kkZfjr dh tkrh gSA

4-3-2- izfrHkwfr dk ,d Js.kh ls nwljh Js.kh esa varj.k] varj.k dh rkjh[k ij vf/kxzg.k ykxr@ cgh ewY;@ cktkj ewY; dk de ls de ys[kkc) fd;k tkrk gS] vkSj bl varj.k ij ewY;gzkl] ;fn dksbZ gks] iwjh rjg iznku fd;k tkrk gSA

4-3-3- jktdks"k fcy vkSj okf.kfT;d dkxtkrksa dh j[k&j[kko ykxr dk ewY; vkadk tkrk gSA

4-3-4- ifjiDork Js.kh ds fy, /kkfjr %

^ifjiDork ds fy, /kkfjr* Js.kh ds v/khu fuos'kksa dks vf/kxzg.k dh ykxr ij ekuk tkrk gS] tc rd fd ;g vafdr ewY; ls vf/kd ugha gks] ftl ekeys esa lrr ykHk ds vk/kkj ij 'ks"k ifjiDork dh vof/k ij izhfe;e ifj'kksf/kr fd;k tkrk gSA izhfe;e dk ,slk ifj'kks/ku vk; ds izfr ^^fuos'k&ij&C;kt** 'kh"kZ ds varxZr lek;ksftr fd;k tkrk gSA lgk;d daifu;ksa] la;qDr m|eksa vkSj laca) daifu;ksa esa fuos'k dk ewY; ,sfrgkfld ykxr ij vkadk tkrk gSA izR;sd fuos'k ds fy, O;fDrxr :Ik ls] vLFkk;h ds vfrfjDr] gzkl gsrq O;oLFkk dh tkrh gSA


97

4-3-5- fcØh ds fy, miyC/k vkSj O;kikj ds fy, /kkfjr Jsf.k;ka %

,,Q,l vkSj ,p,QVh Jsf.k;ksa ds rgr /kkfjr fuos'k O;fDrxr rkSj ij cktkj ewY; vFkok Hkk-fj-cSad ds fn'kkfunsZ'kksa ds vuqlkj fu/kkZfjr mfpr ewY; ij iqueZwY;kafdr fd, tkrs gSa] vkSj ,,Q,l ds ekeys esa izR;sd Js.kh ds fy, izR;sd oxZ ds dsoy fuoy ewY;gzkl ds fy, O;oLFkk dh tkrh gS vkSj fuoy ewY;&o`f) ij /;ku ugha fn;k tkrk gSA ewY;gzkl gsrq O;oLFkk ij cktkj vafdr djus ds ckn] oS;fDrd izfrHkwfr;ksa dk cgh ewY; vifjorZuh; jgrk gSA

4-3-6- fdlh vkfLr iqufuZekZ.k daiuh ¼,vkjlh½ }kjk tkjh izfrHkwfr dh ikofr;ksa ¼,lvkj½ dk ewY; xSj&,l,yvkj fy[krksa ds fy, ykxw fn'kkfunsZ'kksa ds vuqlkj vkadk tkrk gSA rnuqlkj] ,sls ekeyksa esa tgka ,vkjlh }kjk tkjh izfrHkwfr ikofr;ka] laca) ;kstuk esa fy[krksa gsrq fufnZ"V foRrh; vkfLr;ksa dh okLrfod olwyh rd lhfer gSa] ,sls fuos'kksa ds ewY;kadu gsrq ,vkjlh ls izkIr fd, x, fuoy vkfLr ewY; dh x.kuk dh tkrh gSA

4-3-7- le;≤ ij Hkkjrh; fjtoZ cSad }kjk tkjh fn'kk&funsZ'kksa ds vk/kkj ij fuos'k dks dk;Z fu"iknu vkSj vutZd ds :i esa oxhZ—r fd;k tkrk gSA

5- _.k@vfxze vkSj ml ij izko/kku

5-1- Hkkjrh; fjtoZ cSad }kjk tkjh fn'kkfunsZ'kksa ds vk/kkj ij _.k vkSj vfxze dks vtZd ,oa vutZd ds rkSj ij oxhZd`r fd;k tkrk gSaA

5-2- vutZd vkfLr;ka ¼,uih,½ Hkk-fj-cSad }kjk tkjh fn'kkfunsZ'kksa ds vk/kkj ij voekud] lafnX/k vkSj gkfu vkfLr ds rkSj ij oxhZd`r dh tkrh gaSA

5-3- ,uih, gsrq izko/kku Hkk-fj-cSad }kjk fu/kkZfjr orZeku sa ds vuqlkj fd, tkrs gSaA

5-4- ,uih, dh fcØh dh x.kuk Hkk-fj-cSad }kjk fu/kkZfjr ds vuqlkj dh tkrh gSA ;fn fcØh dk ewY; fuoy cgh ewY; ¼,uchoh½ ls de gS] deh ykHk ,oa gkfu [kkrs esa ukes dh tkrh gS] vkSj ;fn fcØh dk ewY; ,uchoh ds ewY; ls vf/kd gS] rks vfrfjDr izko/kku lqjf{kr j[kk tkrk gS vkSj vU; foRrh; vkfLr;ksa dh fcØh ij gkfu@deh dks iwjk djus ds fy, bldk iz;ksx fd;k tkrk gSA

5-5- iqufuZfeZr@iqufuZ/kkZfjr vkfLr;ksa ds ekeys esa] Hkk-fj-cSad }kjk fu/kkZfjr ds vuqlkj izko/kku cuk, tkrs gSaA

5-6- ;fn _.k [kkrs ,uih, ds rkSj ij oxhZd`r fd, tkrs gSa] rks ;fn ;g Hkk-fj-cSad }kjk fu/kkZfjr dh iqf"V djsa] ;g vtZd vkfLr ds rkSj ij iqu% oxhZd`r fd;k tk ldrk gSA

5-7- iwoZ ds o"kksZa esa cV~Vs [kkrs ds _.k ds izfr olwyh xbZ jkf'k] izkfIr ds o"kZ esa jktLo ds rkSj ij Lohdkj dh tkrh gSA

5-8- ,uih, ij fof'k"V izko/kku ds vfrfjDr] ekud vkfLr;ksa ds fy, lkekU; izko/kku Hkh cuk, tkrs gSaA bu izko/kkuksa

fn'kkfunsZ'kk

fn'kkfunsZ'kksa

fn'kkfunsZ'kksa

fn'kkfunsZ'kksa

98

okf"kZd ys[kk

dks rqyu i= esa ̂vU; ns;rk;sa vkSj izko/kku* ds rkSj ij n'kkZ;k tkrk gS vkSj mu ij fuoy ,uih, Kkr djrs le; fopkj ugha fd;k tkrk gSA

5-9- rqyu i= esa vfxzeksa dks ,uih, gsrq izko/kku ds fuoy esa of.kZr fd;k tkrk gSA

5-10- d`f"k ,oa xzkeh.k fodkl cSadksa ¼,vkjMhch½ dks fo'ks"k xzkeh.k vkokl fMcsapj ¼,lvkj,pMh½ ds fy, va'knku ds ek/;e ls miyC/k djk;k x;k iqufoZRr vfxzeksa dh izd`fr esa ekuk tk;sxk tks fuos'kksa ds rkSj ij oxhZd`r gS vkSj _.k ,oa vfxzeksa ds fy, ykxw lkekU; foosd lEer ekudksa ds v/khu gSA

5-11 [kkrk vfHkxzg.k dh frfFk ij fuEufyf[kr ?kVukvksa dh ?kVuk ij fof'k"V ekud vkfLr;ksa ds ekeys esa cSad 15% dk vfrfjä çko/kku çnku djrk gS%

i. vkfLr;ksa ds dk;Z&fu"iknu ds ekeys esa] ;fn ogk¡ 30 fnuksa ls vf/kd dh vfrns; gS( ;k

ii. cSad us iquxBZu ds lkFk ,d ladYi ;kstuk ds dk;kZUo;u dh izfØ;k dh 'kq:vkr dh gSA

vius foosd ij çca/ku ykHk vkSj gkfu [kkrs ij 'kqYd yxkdj bl rjg ds vfrfjä çko/kku dj ldrk gS ;k fof'k"V ekud vkfLr;ksa ds fo:) çko/kku gsrq bl rjg dh vko';drk dks iwjk djus ds fy, [kkrk cgh esa ¼fdlh Hkh fof'k"V [kkrs ds lanHkZ ds fcuk½ fdlh Hkh vfrfjä çko/kku dk mi;ksx dj ldrs gSaA dk;Z&fu"iknu vkfLr ij 15% ds vfrfjä çko/kku esa ekud vkfLr ij fofu;ked çko/kku 'kkfey gksxkA

;fn fof'k"V ekud vkfLr ,uih, esa cny tkrh gS] rks ekud vkfLr;ka çko/kku Js.kh esa cuk, tkus okys çko/kkuksa dk mi;ksx mi&ekud Js.kh ds fo:) çko/kku cukus gsrq fd;k tk,xkA

;fn fof'k"V vkfLr iqu% ykxw gksrh gS vkSj dk;Z&fu"ikfnr vkfLr esa cny tkrh gS] rks çca/ku vius foosd ij vfrfjä çko/kkuksa dks çfrorhZ dj ldrk gSA

6- O;qRiUuh ysunsu

6-1- C;kt nj LoSi tks C;kt /kkfjr vkfLr;ksa vkSj ns;rkvksa dk cpko djrs gSa] mudh x.kuk izksn~Hkou vk/kkj ij dh tkrh gS] vkfLr vFkok ns;rk ds lkFk fufnZ"V LoSi dks NksM+dj ftls foRrh; fooj.k esa cktkj ewY; vFkok fuEure ykxr esa j[kk tkrk gSA

6-2- LoSi dh lekfIr ij YkkHk ;k gkfu dks LoSi dh 'ks"k lafonkRed vof/k ;k ifjlaifÙk;ksa@ns;rkvksa dh 'ks"k vof/k ls de ij Lohdkj fd;k tkrk gSA

7- fLFkj vkfLr;ka

7-1- fLFkj vkfLr;ka dks lafpr ewY;gzkl ?kVkdj ,sfrgkfld ykxr esa izLrqr fd;k tkrk gSA


99

7-2- vkfLr;ksa ij ewY;gzkl ¼Hkwfe lfgr tgka ewY; dks i`Fkd ugha fd;k tk ldrk½ vkfLr dh vuqekfur vof/k ij vk/kkfjr ljy js[kk i)fr ij izLrqr fd;k tkrk gSA vkfLr;ksa ij ewY;gzkl fuEufyf[kr njksa ds vk/kkj ij izLrqr fd;k tkrk gS %

¼d½ Hkwfe

i) iw.kZ LokfeRo Hkwfe 'kwU;

ii) Hkwfe & iV~Vk/khu

1- iV~Vk/khu Hkwfe dh vof/k 'kwU;

2- mijksDr ds vfrfjDr iV~Vk/khu vof/k esa

¼[k½ ifjlj

i) iw.kZ LokfeRo okyh Hkwfe vkSj iV~Vk/khu Hkwfe] tgka iV~Vkof/k

40 o"kZ ls vf/kd gS] ij fufeZr 2-50%

ii) iV~Vk/khu Hkwfe] tgka iV~Vkof/k 40 o"kZ ls de gS] iV~Vk/khu vof/k eas

¼x½ QuhZpj vkSj tqM+ukj 10-00%

¼?k½ daI;wVj vkSj ekbØksizkslslj 33-33%

¼M-½ eksVj okgu 20-00

¼p½ vkWfQl miLdj 20-00

¼N½ vkoklh; lTtk ;kstuk ds rgr fy;k x;k QuhZpj 10-00%

¼t½ vkoklh; lTtk ;kstuk ds rgr yh xbZ fo|qrh;@bySDVªkWfud oLrq,a 20-00

7-3- oS;fDrd rkSj ij ? 10]000@& vkSj mlls de ykxr okyh fLFkj vkfLr;ksa dk ewY;] ifjo/kZu ds o"kZ esa iwjh rjg ?kVk;k tkrk gSA ¼vkoklh; lTtk ;kstuk ds vUrxZr [kjhnh x;h vkfLr;ksa dks NksM+dj½

7-4- vkfLr;k as e as ifjo/kuZ ij eYw ;gkz l dh x.kuk ifjo/kuZ dh rkjh[k ij /;ku fn, fcuk ijw h vof/k d s fy, dh tkrh gAS

%

%

%

100

okf"kZd ys[kk

7-5 cSad laifÙk] la;a= vkSj midj.kksa ds en dks iwath—r djrk gS] tks bldh dher ij ekih x;h laifÙk ds :i esa ekU;rk gsrq ;ksX; gS ftlesa O;kikj NwV vkSj NwV esa dVkSrh ds ckn bldh [kjhn ewY;] dj 'kkfey gSaA iwath—r en dh ykxr esa 'kkfey th,lVh ?kVd ij] cSad buiqV VSDl ØsfMV dk nkok ugha djrk@ugh djsxkA

8- deZpkjh ykHk

8-1- cSad ds ikl Hkk-fj-cSad }kjk lapkfyr Hkfo"; fuf/k ;kstuk gSA fuf/k esa va'knku okLrfod vk/kkj ij fd;k tkrk gSA

8-2- deZpkjh ftUgksaus cSad dh lsok,a 1 vizSy] 2010 ds ckn xzg.k dh gSa mUgas dsUnz ljdkj }kjk 1 tuojh] 2004 ls izHkkoh rFkk le;≤ ij la'kksf/kr dh tkus okyh ifjHkkf"kr v'knk;h isa'ku ;kstuk ds izko/kkukuqlkj fu;af=r fd;k tk,xk tSlkfd dsUnz ljdkj ds vf/kdkfj;ksa ij Hkh ykxw gksrk gSA

8-3 minku] isa'ku] #X.krk ] vodk'k udnhdj.k vkSj ;k=k fj;k;r ds fy, ns;rk chekafdd ewY;kadu ds vk/kkj ij fu/kkZfjr dh tkrh gSA

8-4 vkoklh; foÙkiks"k.k ;kstuk ds ekeys esa] la'kksf/kr vkoklh; foÙkiks"k.k ;kstuk ds rgr dksbZ vkfLr ugha cukbZ tk,xh vkSj laLoh—r jkf'k dks deZpkfj;ksa gsrq ekSfæd vuqykHk ekuk tk,xkA cSad mä ij dj dk Hkqxrku djsxk vkSj Hkqxrku fd, x, dj dks vf/kdkjh ds fy, ,d HkÙks ds :i esa ekuk tk,xk vkSj lacaf/kr o"kZ gsrq mldh dj ;ksX; vk; esa 'kkfey fd;k tk,xkA

9- vk; ij dj

9-1- orZeku vof/k ds fy, vk;dj dk fu/kkZj.k dj ;ksX; vk; vkSj vk;dj vf/kfu;e] 1961 ds izko/kkuksa ds vuqlkj laxf.kr dj _.kksa ds vk/kkj ij fd;k tkrk gS vkSj ;g ewY;kaduksa@vihyksa ds izR;kf'kr ifj.kke ij vk/kkfjr gksrk gSA

9-2- dj vkfLr;ksa vkSj nsunkfj;ksa dh igpku pkyw o"kZ vkSj vxys ykHk ls ?kkVk iwfrZ ds fy, dj ;ksX; vk; vkSj ys[kkadu vk; ds chp le; ds varj ds çHkko dks ns[krs gq, dh tkrh gS? vkLFkfxr dj vkfLr;ksa vkSj nsunkfj;ksa

dks dj njksa vkSj dj fof/k dk mi;ksx djds ekik tkrk gS tks rqyu i= dh rkjh[k esa vf/kfu;fer fd, x, gSa ;k ykxw fd, x, gSaA vkbZlh,vkbZ }kjk tkjh ,,l&22 dh 'krksZa ds vuqlkj] vkLFkfxr dj ns;rk gsrq izko/kku izR;sd rqyu i= rkjh[k esa leh{kk ds vk/kkj ij fd, tkrs gSa vkSj vkLFkfxr dj vkfLRk;ksa dks ekU;rk dsoy rHkh nh tkrh gS tc Hkfo"; esa ,slh vkfLr;ksa dh olwyh dh okLrfod fuf'prrk gksA rnuqlkj] vkLFkfxr dj ns;rkvksa vFkok vkfLr;ksa dh leh{kk] o"kZ ds nkSjku izR;sd rqyu i= rkjh[k ij fodkl ds vk/kkj ij dh tkrh gSA

10- fons'kh eqnzk ysu&nsu

10-1- fons'kh eqnzk esa lHkh vkfLr;ka vkSj ns;rk,a Hkkjrh; #i;ksa esa cnyh tkrh gSa tks rqyu i= rkjh[k esa izpfyr] Hkkjrh; fon'kh fofue; Mhyj la?k ¼,QbZMh,vkbZ½ }kjk vf/klwfpr fofue; njksa ds leku gS vkSj ifj.kkeLo:Ik vkfLr;ksa vkSj ns;rkvksa ij ykHk vFkok gkfu dks ̂^fofue; ykHk@¼gkfu½^^ 'kh"kZ ds rgr ykHk ,oa gkfu ys[ks esa tek vFkok ukes fd;k tkrk gSA

vodk'k vodk'k


101

10-2- ;w,l,vkbZMh m/kkj ds laca/k esa] ^;w,l,vkbZMh m/kkj gsrq Hkkjr ljdkj ls olwyh ;ksX; jkf'k^ esa fofue; gkfu vFkok ykHk dks ukes vFkok tek fd;k tkrk gS D;ksafd ;w,l,vkbZMh m/kkj ij fofue; gkfu dk ogu Hkkjr ljdkj }kjk fd;k tkrk gSA

10-3- vk; ,oa O;; dh ensa ysu&nsu dh rkjh[k dks izpfyr fofue; njksa ij ifjofrZr dh tkrh gSaA

10-4- fons'kh fofue; ok;nk lafonk cdk;k rqyu i= rkjh[k ds vuqlkj vkSj tks O;kikj gsrq vHkh"V ugha gSa] mudk ewY; ,QbZMh,vkbZ }kjk vf/klwfpr lekiu gkftj ¼LikWV½ nj ds vuqlkj vkadk tkrk gSA ,slh ok;nk fofue; lafonk ds izkjaHk esa mRiUu izhfe;e vFkok NwV lafonk] lafonk vof/k esa O;; vFkok vk; ds rkSj ij ifj'kksf/kr dh tkrh gSA iqueZwY;kadu ij ifj.kkeh ykHk@gkfu dks ̂ fofue; ykHk@gkfu* 'kh"kZ ds rgr ykHk vkSj gkfu ys[kk esa ekuk tkrk gSA

10-5- ,,l 11 ds vuqlkj] ̂fons'kh fofue; njksa esa ifjorZu dk izHkko^] cdk;k fons'kh fofue; ok;nk lafonk ds laca/k esa vkdfLed ns;rk,a] O;qRiUuh] xkjaVh] ijkadu] fizafliy vkWUyh LoSi ¼ihvks,l½ ,oa vU; nkf;Ro] rqyu i= rkjh[k ds vuq:i ,QbZMh,vkbZ }kjk vf/klwfpr fofue; njksa ij izLrqr fd, tkrs gSaA

11- vkfLr;ksa dh gkfu

gkfu ?kkVs dk rc irk pyrk gS tc fdlh vkfLr dh j[k&j[kko ykxr olwyh ;ksX; jkf'k ls vf/kd gksA

12- izko/kku] vkdfLed ns;rk,a vkSj vkdfLed vkfLr;ka%

ewY;kadu esa vuqeku ds egRoiw.kZ va'k okys izko/kku rc ekU; gksrs gSa tc iwoZ ?kVuk ds ifj.kkeLo:Ik orZeku ns;rk gks] ;g laHkkouk gS fd lalk/kuksa dk cfgxZeu gksxk vkSj ns;rk dh jkf'k dk fo'oluh; vuqeku yxk;k tk ldrk gSA foRrh; fooj.kksa esa vkdfLed vkfLr;ksa dks u rks ekU;rk izkIr gksrh gS vkSj u gh izdV fd;k tkrk gSA vkdfLed ns;rkvksa dks rqyu i= esa vuqlwfp;ksa ds ek/;e ls izdV fd;k tkrk gSA

13- ,uih,@vfrns; ys[kkadu

,uih, [kkrk ls olwyh xbZ jkf'k dk fofu;ksx ,QvkbZ,Qvks vk/kkj esa [kkrk&okj ,oa fdLr&okj fd;k x;k gSA [kkrk@fdLr ds varxZr fofu;ksx dk Øe igys vfrfjDr C;kt dks fuiVk;k x;k mlds ckn C;kt vkSj mlds ckj ewy/ku jkf'kA blds vfrfjDr] ykHk ,oa gkfu ys[kk esa C;kt dks cqd fd, fcuk vfrns; [kkrk esa C;kt ds mip; gsrq lekukarj ystj cuk, j[k x;kA

102

okf"kZd ys[kk

vuqlwph - XV

30 twu] 2019 dks lekIr o"kZ ds ys[kkvksa ds Hkkx&Lo:i fVIif.k;ka

¼[k½ fVIif.k;ka

14- vpy vkfLr;ka –

14-1 Hkkjr i;kZokl dsUnz] yks/kh jksM] fnYyh esa fLFkr dk;kZy; LFkku vkSj taxiqjk ,DlVsa'ku] ubZ fnYyh esa fLFkr vkoklh; laifRr ftldk ldy ewY; ¼vFkkZr~ vf/kxzg.k ewY;½ ?23-99 djksM+ gS] ds laca/k esa iathdj.k vkSipkfjdrk,a py jgh gSaA

14-2 Hkkjr i;kZokl dsUnz ¼vkbZ,plh½] yks/kh jksM] ubZ fnYyh esa vf/kxzfgr dk;kZy; LFkku ds laca/k esa ;FkkZFk ykxr dks vkbZ,plh }kjk fofHkUu vkcafVfr;ksa esa foHkkftr ugha fd;k x;k gSA bl laca/k esa Hkwfe vkSj fodkl dk;kZy;] Hkkjr ljdkj] vkbZ,plh vkSj lacaf/kr laLFkku ¼vFkkZr~ jk-vk-cSad½ ds chp vHkh f=i{kh; djkj fd;k tkuk gSA blfy,] vkbZ,plh dks fd, x, Hkqxrku ds vk/kkj ij cSad }kjk ?14-85 djksM+ dh jkf'k esa ls ifjlj ¼?14-44 djksM+½ rFkk iV~Vkd`r Hkwfe ¼?0-41 djksM #-½ esa iwathd`r dh xbZ gSA

14-3 fiNys o"kZ 2016&17 rd] Hkwfe ,oa ifjlj dh ykxr ds oxhZdj.k dh vuqifLFkfr esa] cSad us ifjlj ij ewY;gzkl izHkkfjr fd;kA

14-4 iw.kZr% ewY;gzkl vkfLr;ka tks vHkh Hkh mi;ksx esa gS 1 :- ds cfg;ksa esa j[k fn;k x;kA

14-5 foÙk o"k Z 2018&19 d s nkjS ku] 1]399@& dh jkf'k eYw ;ºkz l l s iow Z dh vof/k d s [kpk Za s e as gLrkra fjr dh xb Z gAS

15- fons’kh m/kkj

15-1 ;w,l,vkbZMh ds vkokl xkjaVh dk;ZØe ds v/khu] cSad us o"kZ 1990&91 esa 30 o"kZ dh vof/k ds fy, vejhdh iwath cktkj esa 25 fefy;u vejhdh MkWyj dk _.k tqVk;k FkkA ;g _.k vDrwcj 2001 ls izkjaHk djrs gq, pkyhl cjkcj v/kZ&okf"kZd fdLrksa esa pqdrk djuk gSA fnukad 30 twu] 2019 dks ;Fkk fLFkfr ? 17-46 djksM+ ¼iwuewZY;u ds ckn½ dk cdk;k 'ks"k ̂ ^Hkkjr ls ckgj & vU; lzksrksa ls m/kkj** 'kh"kZ ds v/khu 'kkfey fd;k x;k gSA Hkkjr ljdkj us _.k dh xkjaVh nhA

Hkkjr ljdkj ls o"kZ 1990 esa izkIr i=kuqlkj os fdlh Hkh pqdkSrh esa gksus okyh fofue; gkfu lkFk gh IyslesaV 'kqYd] xkjaVh 'kqYd vkfn tSls izHkkjksa dks Hkh ogu djsaxsA blds vykok] Hkkjr ljdkj bl _.k ds fy, jk"Vªh; C;kt nj ij #i, ds lkFk xBca/ku djus dks rS;kj gSA fons'kh ysunkjh ds _.k Hkqxrku nkf;Ro esa o`f) ds ekeys esa] cSad fofue; nj esa ifjorZu ds dkj.k cSad }kjk Hkkjr ljdkj ds _.k Hkqxrku nkf;Ro esa tks varj vk,xk og Hkkjr ljdkj }kjk ogu fd;k tk,xkA

iquewZY;u ds dkj.k fofue; gkfu ? 12-31 djksM+ ¼ewy/ku½ rFkk ? 0-20 djksM+ ¼C;kt½ dks ̂ ^vU; vkfLr;ksa**


103

ds varxZr Hkkjr ljdkj }kjk ns; jkf'k ds :Ik esa n'kkZ;k x;k gSA ;Fkk 30 twu] 2019 ds vuqlkj mijksDr gsrq Hkkjr ljdkj ls izkI; dqy jkf'k ? 56-66 djksM+ gS D;ksafd ;g _.k pqdkSrh ds iw.kZ gksus ij olwyh ;ksX; gSA

15-2 cSad uss o"kZ 1997 vkSj 2002 esa Øe'k% 100 fefy;u vejhdh MkWyj vkSj 20 fefy;u vejhdh MkWyj dh nks fdLrksa esa ,f'k;kbZ fodkl cSad ls 120 fefy;u vejhdh MkWyj ¼? 564 djksM+ ds lerqY;] ftldk fnukad 30 twu] 2019 dks cdk;k ?192-21 djksM+ #i;s gS½ dk m/kkj fy;k FkkA bu _.kksa dh xkjaVh Hkkjr ljdkj

}kjk nh xbZ gS vkSj Øe'k% o"kZ 2022 vkSj 2025 rd v/kZokf"kZd fdLrksa esa izfrns; gS?

;s MkWyj fuf/k;ka fons'k fLFkr 'kk[kkvksa esa cSad vkWQ bafM;k ¼50 fefy;u vejhdh MkWyj½] dsujk cSad ¼50 fefy;u vejhdh MkWyj½ rFkk ,fDte cSad ¼20 fefy;u vejhdh MkWyj½ ds lkFk le>kSrksa ds rgr j[kh xbZ gSA ;s tek,a v/kZokf"kZd fdLrksa ij Øe'k% o"kZ 2022 vkSj 2025 ij ifj'kksf/kr _.kksa ds :Ik esa ,f'k;u fodkl cSad ds _.k Hkqxrku ds mi;ksx gsrq j[kh xbZ gSA vejhdh MkWyj ds tekvksa ds lanHkZ esa] bu cSadksa us cSad }kjk tkjh fof'k"V Js.kh ds ? 564 djksM+ ¼;Fkk 30 twu] 2019 dks ? 162-90 djksM+ cdk;k gS½ ds ckW.M vfHknRRk fd;s gSaA ;s fof'k"V ckW.M v/kZokf"kZd fdLrksa ij Øe'k% o"kZ 2022 ,oa 2025 esa izfrns; gSaA

15-3 cSad us Hkkjr esa ̂ ^ÅtkZ n{k u, fjgk;'kh vkokl** ds foRr iks"k.k ds fy;s o"kZ 2010&11 esa ds,QMCY;w] teZuh ds lkFk djkj fd;kA teZuh QsMjy fjifCyd dh ljdkj vkSj Hkkjr ljdkj ds chp foRrh; lg;ksx ds rgr ebZ 2009 dks djkj iwjk gqvkA bl _.k dh xkajVh Hkkjr ljdkj }kjk nh xbZ gSA

dk;ZØe ds rgr dqy _.k lhek 50 fefy;u ;wjks gSA djkj ds rgr nks lhek,a gaS ;Fkk Hkkx d ¼30 twu] 2014 ls 'kq: gksdj 18 Nekgh fdLr esa pqdkSrh&;ksX;½ ds rgr 38 fefy;u ;wjks vkSj Hkkx [k ¼30 twu] 2021 ls gksdj 60 Nekgh fdLrksa esa pqdkSrh&;ksX;½ ds rgr 12 fefy;u ;wjks gSA cSad us 50 fefy;u ;wjks ¼? 382-11 djksM+ ds lerqY;½ dh iwjh jkf'k vkgfjr dj yh vkSj ;Fkk 30 twu] 2019 dks cdk;k m/kkj 26-78 fefy;u ;wjks vFkkZr ? 210-28 djksM+ ¼iquewZY;kadu ds ckn½ jgkA ewy/ku vkSj C;kt fons'kh fofue; tksf[ke ds f[kykQ cpko gSA

15-4 tqykbZ] 2011 esa Hkkjr&;wds nksuksa ns'kksa dh lgefr ls f}i{kh; fodkl lg;ksx Hkkxhnkjh ds varxZr cSad us ns'k ds 8 fuEu vk; okys jkT;ksa esa ̂ ^rhoz ,oa lrr vkfFkZd fodkl gsrq fdQk;rh vkokl cktkj cukuk** uked ifj;kstuk ds fy, varjkZ"Vªh; fodkl foHkkx] ljdkj] ;w-ds- ds lkFk lg;ksx dk djkj fd;k gSA dk;ZØe ds rgr] Mh,QvkbZMh dqy £50 ehfy;u ikmaM dh lgk;rk djsxkA+ _.k twu] 2017 ls izkjaHk gksdj vkB cjkcj fdLrksa esa pqdk;k tkuk gSA cSad us 40 ehfy;u ikmaM ¼? 380-87 djksM+ ds lerqY;½ dh iwjh _.k jkf'k vkgfjr dj yh gSA ;Fkk 30 twu] 2019 dks cdk;k mèkkj 143-38 djksM+ ¼iquewZY;kadu ds ckn½ jgkA iw.kZ _.k jkf'k fofue; tksf[ke ds f[kykQ cpko gSA

15-5 cSad us 14 vxLr] 2013 dks fo'o cSad ds lkFk ,d le>kSrk fd;k ftlds ckn 66-1 fefy;u ,lMhvkj ¼100 fefy;u vejhdh MkWyj ds lerqY;½ ds fo'ks"k vkgj.k ds lkFk fuEu vk; vkokl foÙk ifj;kstuk gsrq 04 vDrwcj] 2013 dks Hkkjr ljdkj ds lkFk ,d lgk;d _.k djkj fd;kA bl _.k O;oLFkk ds

'kq:

104

okf"kZd ys[kk

rgr fo'o cSad Hkkjr ljdkj dks laforj.k djsxk vkSj Hkkjr ljdkj blds cnys jk-vk-cSad dks lerqY; :Ik;s vkxs m/kkj nsxhA cSad dks m/kkj ij nh xbZ jkf'k iwjh rjg ls cSad }kjk pqdkbZ tk,xh vkSj Hkqxrku dh rkjh[kksa] ;fn dksbZ gks] dks fofue; nj fofo/krkvksa ds dkj.k mRiUu ns;rkvksa lfgr laiw.kZ ns;rkvksa dks iwjk djus ds fy, Hkh çfrc) gSA

cSad us dk;ZØe ds rgr Hkkjr ljdkj }kjk fo'o cSad ls ? 609-07 djksM+ dh iw.kZ jkf'k çkIr dh gSA ;Fkk frfFk 30-06-2019 dks cdk;k ? 592-38 djksM+ FkkA ,lMhvkj 66-10 fefy;u ¼;w,lMh 93-05 fefy;u ds lerqY;½ dh dqy _.k jkf'k esa ls] cSad us fofue; tksf[ke ds ,ot esa iwjh _.k jkf'k dks gst fd;k gSA cSad ̂ ^fuEu vk; vkokl foÙk** ij fo'o cSad dh lgk;rk çkIr ifj;kstuk ds rgr ewy/ku] C;kt vkSj lsok 'kqYd ds pqdkSrh gsrq Hkkjr ljdkj ds lkFk laidZ esa gSA cSad us Hkkjr ljdkj dks ewy/ku] C;kt vkSj lsok 'kqYd ns;rk ds pqdkSrh gsrq ? 77-58 djksM+ dh jkf'k çnku dh gSA

15-6 fnukad 18 tqykbZ] 2017 dks vk;ksftr 127 oha cSBd esa cksMZ us vkoklh; {ks= ¼lujsQ½ esa çk—frd lalk/kuksa vkSj ÅtkZ lqfo/kk ds lrr mi;ksx ds rgr ;wjks 100 fefy;u ;wjks vkSj ,,QMh] Ýkal ls 12 fefy;u ;wjks nsus ds fy, viuh eatwjh nh gSA bZ;wvkj 100 fefy;u vkSj bZ;wvkj 9 fefy;u ds vuqnku dh jkf'k ds iw.kZ _.k O;oLFkk dks o"kZ ds nkSjku vkgfjr fd;k x;k FkkA bl vuqnku dks vkuqikfrd :i ls de dj fn;k x;k Fkk vkSj bZ;wvkj 0-899 fefy;u dh jkf'k dk fglkc ml o"kZ ds nkSjku vk; ds :i esa yxk;k tkrk gS] ftlesa C;kt ykxr dk vuqikr gksrk gSA ,,QMh }kjk fn, x, fn'kk&funsZ'kksa ds vuqlkj] fØfly dks jk-vk-cSad&lujsQ vkokl dk;ZØe dh rduhdh lgk;rk ds dk;kZUo;u ds fy, lykgdkj QeZ ds :i esa ukfer fd;k x;k gSA _.k 31 fnlacj] 2020 ls 30 twu] 2027 rd çkjaHk gksus okyh 14 v/kZ&okf"kZd fdLrksa esa pqdkuk çfrns; gSA

;Fkk 30 twu] 2019 dks ,,QMh ds ,ot esa cdk;k 'ks"k jkf'k bZ;wvkj 100 fefy;u ¼iquewZY;kadu ds ckn 785-25 djksM+½ FkhA iw.kZ _.k jkf'k fofue; tksf[ke ds ,ot esa gst gSA

16- fons'kh tek jkf’k;ksa vkSj m/kkjksa@ok;nk fofue; lafonkvksa dk iquewZY;kadu@ihvks,l

16-1 jk-vk-cSad us o"kZ 2002 esa ,f'k;u MsoyiesaV cSad ¼,Mhch½ ls 20 fefy;u vejhdh MkWyj m/kkj yh Fkh ftlesa 0-4 fefy;u vejhdh MkWyj dh izkjafHkd 'kqYd ,oa 20-4 fefy;u vejhdh MkWyj dh dqy ns;rk 'kkfey gSA bl izdkj yh xbZ fons'kh _.k jkf'k dks ,fDte cSad esa 20 fefy;u vejhdh MkWyj ds tek ds :i esa j[kk x;k FkkA rFkkfi] o"kZ 2004 esa 13 fefy;u vejhdh MkWyj ,Mhch dks pqdk fn;k x;kA jk-vk-cSad us ,fDte cSad ds lkFk LoSi O;oLFkk ds ekspu Hkkx ds laHkkouk dk irk yxk;kA gkykafd ifjiDork iwoZ fujLrhdj.k dh mPp ykxr ds dkj.k ,fDte cSad ds lkFk lacaf/kr tek dks fujLrj ugha fd;k tk ldkA blds ifj.kkeLo:i MkWyj cfgZxeu iksLV ehfVax _.k nkf;Ro ij tek tek ls vfrfjDr MkWyj vkxeu gks x;kA ,fDte cSad ls ;w,lMh ds vfrfjDr vUrizZokg ds dkj.k QksjsDl tksf[ke dks iwjk djus ds fy;s] cSad us ok;nk fofue; lafonk,a dhaA 30 twu 2019 dks lekIr o"kZ ds nkSjku 1-17 fefy;u vejhdh MkWyj ds ok;nk fofue; lafonkvksa dk mi;ksx fd;k x;kA ;Fkk 30 twu] 2019 dks cSad ds ikl 8-256 fefy;u vejhdh MkWyj dh dqy jkf'k dh 13 lafonk,a cdk;k gSaA


105

16-2 ;Fkk 30 twu] 2019 dks Hkkjr esa ̂ ^ÅtkZ n{k u, fjgk;'kh vkokl** ds foRr iks"k.k gsrq cSad ij ds,QMCY;w] teZuh ls 26-78 fefy;u ;wjks dk m/kkj cdk;k gSA ewy/ku vkSj C;kt fons'kh fofue; tksf[ke ds f[kykQ cpko gSA

16-3 ;Fkk 30 twu] 2019 dks cSad ds ikl ns'k ds vkB fuEu vk; okys jkT;ksa esa ̂ ^Rofjr vkSj lrr vkfFkZd fodkl gsrq fdQk;rh vkokl cktkj dk fuekZ.k^^ uked ,d ifj;kstuk Mh,QvkbZMh] ;wds ls 16-38 fefy;u thchih dk cdk;k m/kkj gSA m/kkj jkf'k iwjh rjg gSt gSA

16-4 ;Fkk 30 twu] 2019 dks cSad us ̂^fuEu vk; vkokl foRr** ifj;kstuk ds varxZr 61-74 fefy;u ,lMhvkj fo'o cSad ls cdk;k jkf'k gSA m/kkj jkf'k iwjh rjg gSt gSA

16-5 ;Fkk 30 twu] 2019 dks lujsQ vkokl dk;ZØe ds rgr cSad ,,QMh ls ;wjks 100 fefy;u dk cdk;k m/kkj gSA m/kkj jkf'k iwjh rjg gSt gSA

16-6 o"kZ ds nkSjku] cSad dks ykHk vkSj gkfu ys[kk esa fon'kh tek jkf'k;ksa vkSj m/kkjksa ds iquewZY;kadu ij ? 13-53 djksM+ #i;s dh fuoy ykHk gqvk gS] ftls ̂^fofue; ¼ykHk½@gkfu** 'kh"kZ ds rgr n'kkZ;k x;k gSA

16-7 o"kZ ds nkSjku cSad us ok;nk fofue; lafonkvksa rFkk fizafliy vkWUyh LoSi ftls ^^fofue; ¼ykHk½@gkfu**'kh"kZ ds rgr ykHk ,oa gkfu ys[kk esa n'kkZ;k x;k gS] ds iquewZY;kadu ij ? 27-19 djksM+ dh fuoy gkfu ntZ dhA iSjk 17-5 ,oa 17-6 ds dkj.k ? 13-66 djksM+ dh fuoy gkfu ekuh xbZ gS vkSj ^^fofue; ¼ykHk½@gkfu** ds :i esa ykHk vkSj gkfu ys[kk esa n'kkZ;k x;k gSA

17- deZpkfj;ksa ds ykHk & ,,l 15 ¼la’kksf/kr 2005½

17-1 cSad us Hkkjrh; lunh ys[kkdkj laLFkku ¼vkbZlh,vkbZ½ }kjk tkjh ,,l&15 ¼la'kksf/kr 2005½ ds vuqlkj vius LFkk;h deZpkfj;ksa ds fy;s minku] vodk'k udnhdj.k] fpfdRlk lsokfuo`fRr ykHk] #X.krk vodk'k] vodk'k ;k=k fj;k;r vkSj isa'ku ds fy;s chekafdd vk/kkj ij deZpkjh ykHk gsrq viuh ns;rk dh O;oLFkk dh gSA

17-2 cSad] vius mu deZpkfj;ksa lesr tks fd Hkkjrh; fjtoZ cSad@vU; cSadksa ls izfrfu;qfDr vk/kkj ij cSad esa dk;Z dj jgs gSa] ds laca/k esa Hkkjrh; fjtoZ cSad rFkk vU; ewy laxBuksa dks Hkfo"; fuf/k dk va'knku gLrkarfjr dj jgk gSA fnukad 30 twu] 2019 dks lekIr o"kZ ds nkSjku] cSad us Hkfo"; fuf/k esa va'knku ds fy, ? 0-05 djksM+ vnk fd, gS vkSj mls ̂ ^deZpkjh ds osru] HkRrs vkSj lhekar ykHk** 'kh"kZ ds rgr ykHk vkSj gkfu ys[kk esa izHkkfjr fd;k x;k gSA

17-3 jk"Vªh; vkokl cSad ¼deZpkjh½ ias'ku fofu;e 2003 ds vuqlkj] cSad gsrq mu lHkh deZpkfj;ksa dks 'kkfey djrs gq, ,d ifjHkkf"kr ykHk lsokfuo`fRr ;kstuk dh O;oLFkk djrk gS ftUgksaus dk fodYi viuk;k gSA ;g ;kstuk deZpkfj;ksa dks lsokfuo`fRr vFkok lsok NksM+us ds le; lsok fofu;e ds vuqlkj ,d ekfld Hkqxrku dh O;oLFkk djrh gSA bl ;kstuk dk izca/ku ,d i`Fkd U;kl }kjk fd;k tkrk

ias'kuias'ku

ias'ku

106

okf"kZd ys[kk

gS vkSj mlds fy;s ns;rk rkjh[k cSad ds ekfld va'knku dss vfrfjDr o"kZ ds var esa chekafdd ewY;kadu ds vk/kkj ij ekuh tkrh gS ;Fkk 30 twu] 2019 cSad us dks"k esa ? 3-74 djksM+ dk ekfld ;ksxnku fn;k gSA

17-4 ftu deZpkfj;ksa us 1 vizSy] 2010 dks ;k mlds ckn cSad dh lsok esa 'kkfey gq, mu ij ,d fufnZ"V va'knku isa'ku ;kstuk ykxw gksxh ftldk lapkyu dsUnz ljdkj ds vf/kdkfj;ksa ds fy, 1 tuojh] 2004 ls ykxw va'knk;h isa'ku ;kstuk vkSj le;≤ ij ;Fkk la'kksf/kr izko/kkuksa ds vuqlkj gksxkA o"kZ ds nkSjku bl ;kstuk ds rgr deZpkfj;ksa us ? 0-51 djksM+ dk va'knku fd;k gS vkSj cSad us Hkh blh ds lerqY; jkf'k dk va'knku fd;k gSA

17-5 ifjHkkf"kr ykHk nkf;Ro% ;Fkk 30 twu] 2019 dks deZpkfj;ksa dks ns; minku] vodk'k udnhdj.k] fpfdRlk lsok fuo`fRr ykHk] #X.krk vodk'k] vodk'k ;k=k fj;k;r vkSj isa'kuA nkf;Ro dk] tgka Hkh vko';d gksxk] lhekafdr ewY;kadu ij ys[kkadu fd;k x;k gSA

d- chekafdd ifjdyu esa iz;qDr fof/k% chekafdd us e`R;q vkSj lsok lfgr ;kstuk dh ns;rkvksa dk fu/kkZj.k djus ds fy;s vuqekfur bdkbZ tek fof/k dk iz;ksx fd;k gSA

- rqyu&i= rkjh[k esa iz/kku chekafdr ekU;rkvksa dk iz;ksx fd;k x;k gS% [k


107

ifjHkkf"kr ykHk

cV~Vk nj

osru o`f) nj

e`R;q nj

bafM;u v';ksMZ ykbOl ekWVsZfyVh

¼vkbZ,,y,e½¼2012&14½

minku vodk’k udnhdj.k

fpfdRlk #X.krk vodk’k

vodk'k ;k=k fj;k;r

isa'ku

7-16 % iz-o 7-16 % iz-o 7-16 % iz-o- 8-00 % iz-o- 8-00 % iz-o- 7-16 % iz-o-

10-00% iz-o- 10-00 iz-o% ykxw ugha 10-00 % iz-o- ykxw ugha 10-00 % iz-o-

;kstuk vkfLr;ksa ij laHkkfor

ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 7-16 % iz-o


¼vkbZ,,y,e½¼2012&14½


¼vkbZ,,y,e½¼2012&14½


¼vkbZ,,y,e½¼2012&14½


¼vkbZ,,y,e½¼2012&14½


¼vkbZ,,y,e½¼2012&14½

?- fuEufyf[kr izR;sd ds fy, vf/kjksfir vof/k ds nkSjku ifjHkkf"kr ykHk nkf;Ro ,oa izHkkoksa ds orZeku ewY; ds

vFk'ks"k ,oa bfr'ks"k dk lek/kku %

ykHk nkf;Roksa esa ifjorZu

o"kZ ds izkjaHk esa nkf;Ro 6]81]24]622 & 1]08]19]787 & & 41]17]84]507

vof/k ¼1 tqykbZ 2017 & & 1]86]092 & & &

orZeku lsok ykxr 65]75]714 & & & & 1]02]49]245

C;kt ykxr 54]49]970 & 8]65]583 & & 3]29]42]761

iwoZ lsok ykxr & & & & & &

nkf;Roksa ij chekafdd ¼40]76]795½ & 11]12]133 & & 3]35]60]427

iznRr ykHk ¼36]86]400½ & ¼9]86]937½ & & ¼2]27]61]876½

o”kZ ds var esa nkf;Ro 7]23]87]111 & 1]19]96]658 & & 46]57]75]064

dk orZeku ewY;

ls 30 twu] 2018 rd½

ds nkSjku fuf/k ¼dehZ½

}kjk izkIr va'knku

¼ykHk½@gkfu

dk orZeku ewY;

?k½ ;kstuk vkfLr;ksa dk fuos'k C;kSjk%cSad us 30 twu] 2019 dh fLFkfr ds vuqlkj ns;rk dk fuf/k;u ugha fd;k gSA blhfy, isa'ku nkf;Ro ds vfrfjDr] ftldk izca/ku ,d i`Fkd U;kl }kjk fd;k tkrk gS] vkfLr;ksa dk dksbZ mfpr ewY; ugha gSA

minku vodk’k udnhdj.k**

fpfdRlk #X.krk vodk’k**

vodk’k ;k=k fj;k;r**

isa'ku

108

okf"kZd ys[kk

jkf'k ` esa M-½ ykHk rFkk gkfu ys[kk fooj.k esa ekU; ;kstuk laifÙk jkf'k esa ifjorZu

vof/k d s ikz jHa k e as ;kts uk ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 36]96]17]979

vf/kxzg.k lek;kstu ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha &

;kstuk vkfLr;ksa ij ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 3]60]38]733

fu;ksDrk dk va'knku ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 4]55]15]895

iznRr ykHk ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼2]27]61]876½

vof/k ds var esa ;kstuk ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 42]84]10]731

fuf/kd fLFkfr ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼3]73]64]333½

;kstuk vkfLr;ksa ij ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 82]80]423

vkfLr;ksa dk mfpr ewY;

okLrfod ykHk

vkfLr;ksa dk mfpr ewY;

vuqekfur ykHk dh

vf/kdrk

p½ rqyu i= esa ekU; jkf'k

o”kZ ds var esa nkf;Ro 7]23]87]111 & 1]19]96]658 & & 46]57]75]064

o"kZ ds var esa ;kstuk ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha 42]84]10]731

fuf/kd fLFkfr& ¼7]23]87]111½ & ¼1]19]96]658½ & & ¼3]73]64]333½

vekU; chekafdd & & & & & &

rqyu i= esa ekU;

¼vkfLr½ ¼7]23]87]111½ & ¼1]19]96]658½ & & ¼3]73]64]333½

dk orZeku ewY;

vkfLr;ksa dk mfpr ewY;*

?kkVk@¼ljIyl½

ykHk@gkfu

fuoy nkf;Ro@


minkuvodk’k

udnhdj.k**fpfdRlk

#X.krk vodk’k**

vodk’k ;k=k fj;k;r** isa'ku

jkf'k ` esa ykHk nkf;Roksa esa ifjorZu




isa'ku


109

N½ ykHk vkSj gkfu ys[kk fooj.k esa ekU; jkf'k

orZeku lsok ykxr 65]75]714 & & & & 1]02]49]245

C;kt ykxr 54]49]970 & 8]65]583 & & 3]29]42]761

iwoZ lsok ykxr & & & & & &

;kstuk vkfLr;ksa ij ykxw ugha ykxw ugha ykxw ugha ykxw ugha ykxw ugha ¼2]77]58]310½

chekafdd ¼ykHk½@gkfu ¼40]76]795½ & 11]12]133 & & 2]52]80]004

ykHk vkSj gkfu ys[kk 79]48]889 & 19]77]716 & & 4]07]13]700

laHkkfor ykHk

fooj.k esa ekU; O;;@

¼vk;½

**baLVhV~;wV vkWQ pkVZM vdkmaVsaV vkWQ bf.M;k }kjk tkjh ys[kkadu ekud 15 ¼la'kksfèkr½ ds vuqPNsn 132 ds vuqlkj] vU; nh?kZdkfyd ykHkksa ds fy, fdlh fo'ks"k izdVhdj.k dh vko';drk ugha gSA

18- o"kZ 1991 & 92 dk izfrHkwfr ysunsu

18-1 1995 ds eqdnek la- 2 esa ekuuh; fo'ks"k U;k;ky; }kjk ikfjr fMØh dks ,d rjQ j[krs gq, ¼lsV vlkbZM½ ekuuh; loksZPp U;k;ky; ds fu.kZ; rFkk foRrh; lsok,a foHkkx] Hkkjr ljdkj }kjk fn, x, funsZ'kksa ds vuqlkj] jk-vk-cSad us Hkkjrh; LVsV cSad dks 236-78 djksM+ #- dh jkf'k dk Hkqxrku fd;k FkkA tqykbZ 2016 esa] Hkkjrh; LVsV cSad us ekuuh; fo'ks"k U;k;ky; ds le{k ,d vkosnu ntZ fd;k gS ftlesa 236-78 djksM+ #- ij @19% C;kt dk nkok fd;k x;k gSA jk-vk-cSad us Hkkjrh; LVsV cSad ds mijksDr nkos dks vLohd`r dj fn;k gS rFkk vkosnu dks [kkfjt djus dk vuqjks/k fd;k gS D;ksafd Hkkjrh; LVsV cSad us foÙkh; lsok,a foHkkx ds funsZ'kksa dk ikyu ugha fd;kA blds vfrfjDr] foRrh; lsok,a foHkkx ds funsZ'kksa ds vuqlkj jk-vk-cSad dks Hkkjrh; fjt+oZ cSad }kjk ;Fkk fu/kkZfjr Hkkjrh; LVsV cSad ls 353-78 djksM+ #- dh jkf'k ,oa ml ij C;kt izkIr djuh gksxh ftlds fy, jk-vk-cSad us tokch nkok ntZ fd;k gSA

18-2 1995 ds eqdnek la- 2 esa ekuuh; fo'ks"k U;k;ky; }kjk ikfjr fMØh dks ,d rjQ j[krs gq, ¼lsV vlkbZM½ ekuuh; loksZPp U;k;ky; ds fu.kZ; ds vuqorhZ esa] jk-vk-cSad us fo’ks”k U;k;ky; ds le{k nks vkosnu ntZ fd, gSaA ftlesa ls igyh 2016 dk fofo/k vkosnu 62 gS ftlesa 94-20 djksM+ :- dh okilh gsrq vfHkj{kd ds ikl vkius nkos dks ntZ fd;k x;k gS tks fo’ks'k U;k;ky; ds funsZ'k ds vuqlkj iwoZ esa vfHkj{kd ds ikl tek dh xbZ FkhA jk-vk-cSad ds i{k esa ekeys dk fuiVku dj fn;k x;k gSA ekuuh; fo'ks"k U;k;ky; C;kt jkf'k fu/kkZfjr djus dh çfØ;k esa gSA bl nkSjku] flfoy vihy la[;k 3241@2019 esa lqJh T;ksfr ,p esgrk }kjk ekuuh; loksZPp U;k;ky; ds le{k fo'ks"k vnkyr ds vkns'k dks pqukSrh nh xbZ gS ,oa mä yafcr gSA nwljh 2016 dh fofo/k ;kfpdk la-2 fo'ks"k U;k;ky; ds le{k ntZ dh xbZ gS tks LVSaMMZ pkVZMZ cSad }kjk fn, x, fnukad 01-10-1993 ds {kfriwfrZ i= ds vk/kkj ij LVSaMMZ pkVZMZ cSad ls 55-18 djksM+ :- dh cdk;k olwyh ds laca/k esa gSA nksuksa gh U;kf;d fu.kZ; gsrq yafcr gSA





isa'ku

` djksM+ esa

110

okf"kZd ys[kk

18-3 jk-vk-cSad vkSj ,llhch ds chp djkj ds vuqlkj] 1995 ds eqdnek la- 28 esa ikfjr fMØh esa jk-vk-cSad dks ? ? LVS.MMZ pkVZMZ cSad ¼,llhch½ }kjk olwyh xbZ jkf'k dks 'ks;j djus dk Hkh vf/kdkj fn;k x;k

gSA ;g jkf'k ml O;qrØe vuqikr esa 'ks;j dh tk,xh ftl vuqikr esa ,llhch }kjk jkf'k izkfIr gksus ds ckn jk-vk-cSad vkSj ,llhch ds chp ? 1]645-87 djksM+ dh jkf'k 'ks;j dh xbZ FkhA Hkkjr ds ekuuh; loksZPp U;k;ky; us fnukad 02-05-2017 dks 2010 dh ukxfjd vihy la- 6326 esa ikfjr vkns'k }kjk vfHkj{kd dks LVS.MMZ PkkVZMZM cSad ds i{k esa ? 506-53 djksM+ tkjh djus dk funs'k fn;k gSA 2017 ds vfHkj{kd la-4 ds fjiksVZ esa fnukad 08-09-2017 ds vkns'k ds ek/;e ls vkt dh rkjh[k rd LVS.MMZ PkkVZMZM cSad us dqy 300-11 :- dh jkf'k izkIr dh gSs ge yxkrkj jkf'k lk>k djus gsrq muds ijke'kZnkrk vkSj ,llhch ds le{k ekeyk j[kus gsrq gekjs ijke'kZnkrk ds lkFk laidZ esa gSaA gkykafd okLrfod jlhn ij bu jkf'k dh x.kuk dh tk,xhA

19- [kaM lwpuk

cSad ds ifjpkyuksa esa izeq[k :i ls dsoy ,d [kaM vFkkZr~ foÙkh; dk;Zdyki lekfo"V gSA blfy,] Hkkjrh; lunh ys[kkdkj laLFkku ¼vkbZlh,vkbZ½ }kjk tkjh ^^[kaM lwpuk** ¼,,l&17½ ij ys[kkdau ekud ds vuqlkj lwfpr djus ;ksX; dksbZ i`Fkd [kaM ugha gSA

20- lac) ikVhZ izdVhdj.k

d½ lac) i{kksa dh lwph %

i) izeq[k izca/kdh; vf/kdkjh% Jh ,l-ds- gksrk

ii) bafM;k ekWVZxst xkjaVh dkWjiksjs'ku izkbosV fyfeVsM ¼vkbZ,ethlh½


111

[k½ lac) i{kksa ls ysunsu%

ikVhZ dk uke

laca/k dh izd`fr

Jh Jhjke dY;k.kjkeu

izeq[k izca/kdh; vf/kdkjh & izca/k funs'kd rFkk eq[; dk;Zikyd vf/kdkjh

ikfjJfed ,oa ykHkksa lfgr vuqykHk

$ dh vof/k ds nkSjku ? 0-03 djksM+ dk Hkqxrku

*

Jherh nf{krk nkl

vfrfjä lfpo] Hkkjr ljdkj]

foÙkh; lsok,a foHkkx]

foÙk ea=ky; vkSj çca/k

funs'kd vkSj eq[; dk;Zikyd

vf/kdkjh ds :i esa vfrfjä çHkkj

¼14-08-2018 ls½


'kwU;

Jh ,l-ds- gksrk izeq[k izca/kdh; vf/kdkjh & izca/k

funs'kd


tqykbZ 2019 esa twu 2019 ekg gsrq ? 31]000@&

dk Hkqxrku

muds bZih,Q esa ? 2]738@& dk va'knku fd;k tkuk vko';d

gSA

vkbZ,ethlh 'ks;j iwath esa i;kZIr C;kt

bZfDoVh iwath ;ksxnku ` 76-00 djksM+

¼$ mijksä vkadM+k cSad ds çca/k funs'kd vkSj eq[; dk;Zikyd vf/kdkjh dks fn;k tkus okyk dqy osru gS vkSj ;g bl vof/k ds nkSjku Hkqxrku fd;k x;k fdjk;k vkSj vU; çfriwfrZ ¼;fn dksbZ gks½ 'kkfey ugha djrk gSA½¼* 0-011 djksM+ vxLr 2018 ds eghus gsrq tkjh fd;k tkuk ckdh gSA bl laca/k esa Mh,Q,l ds vuqeksnu dh çfr{kk gSA½,,l&18 ds ̂^lac) i{k izdVhdj.k** ds vFkZ ds vuqlkj D;ksafd cSad jkT; fu;af=r m|e gS] vU; jkT; fu;af=r m|eksa ds lkFk lac) vkSj ,sls m|eksa ds lkFk ysunsu dk C;kSjk ugha fn;k x;k gSA

jkf'k ` esa ysunsu

dh izd`fro"kZ ds nkSjku

jkf’k dk ysunsu;Fkk 30 twu] 2019 dks cdk;k

'kwU;

'kwU;

112

okf"kZd ys[kk

21- vk;djfu/kkZj.k o"kksaZ¼,okbZ½ 2003&04 ls 2009&10 gsrq ¼2007&08 dks NksM+dj½ vk;dj foHkkx] 1961 dh /kkjk 36¼1½¼viii½ ds rgr cSad ds nkos vkSj O;kikj gkfu ds izfrca/k ij 130-56 djksM+ vk;dj foHkkx }kjk naMkRed dk;Zokgh 'kq: dh xbZ FkhA cSad us vkbZVh,Vh ds le{k lacaf/kr izkf/kdj.kksa ds laca/k esa vihy nk;j dh vkSj vfxze dj ds :Ik esa n'kkZ, x, djksa dk Hkqxrku fd;kA blds vfrfjDr vkbZVh,Vh us vk;dj vf/kfu;e] 1961 dh /kkjk 36¼1½ ¼viii½ ds rgr fnukad 20@02@2017 ds vius vkns'k }kjk cSad nkos ds laca/k esa fu/kkZj.k vf/kdkjh }kjk iwoZ esa yxk, x, vFkZnaM dks gVk fy;k gSA ;g ekuuh; fnYyh mPp U;k;ky; ds le{k yafcr gSA foHkkx us mä vkns'k ds fo:) fnYyh mPp U;k;ky; esa vihy nk;j dhA fnYyh mPp U;k;ky; us fnukad 28-08-2018 ds vius vkns'k esa naMkRed dk;Zokgh dks MªkWi dj fn;kAfu/kkZj.k o"kZ 2003&04 gsrq] ? 150-45 djksM+ ds O;olk; ?kkVs dh vLohd`fr ds laca/k esa] vkbZVh,Vh us mls fu/kkZj.k vf/kdkjh dks fjLVksj dj fn;k gSA ewyr% vk; ewY;kafdr gksus ij foÙk o"kZ 2017&18 esa ewY;kadu vf/kdkjh }kjk dsl dk lekIr fd;k x;k vkSj vkns'k ds fo:) vihy dks vk;dj vk;qä] vihy ¼lhvkbZVh½ ¼,½ ds le{k nk;j fd;k x;k] tks fnukad 31-12-2018 ds ekuuh; lhvkbZVh ¼,½ }kjk muds vkns'k esa cSad ds fo:) r; fd;k x;k gSA cSad us ekuuh; vkbZVh,Vh ds le{k mä vkns'k ds fo:) vihy dks çkFkfedrk nh gS tks vHkh Hkh yafcr gSA blds vfrfjDr] /kkjk 271 ¼1½ ¼x½ ds varxZr vFkZnaM izfØ;k izkjaHk dh xbZ tks ewY;kadu vf/kdkjh ds le{k yafcr gSA fu/kkZj.k o"kZ 2010&11 ls 2016&17 ¼fu/kkZj.k o"kZ 2015&2016 dks NksM+dj½ gsrq] fu/kkZj.k vf/kdkjh }kjk dqN vLohd`fr;ka dh xbZ gSA bu fu/kkZj.k o"kksZa ds fy,] vkbZVh,Vh ds ikl fu/kkZj.k o"kZ 2012&13 ls 2014&15 rd ,oa lhvkbZVh ¼,½ ds le{k fu/kkZj.k o"kZ 2016&17 gsrq vihy yafcr gaSA vkbZVh,Vh us fu/kkZj.k o"kZ 2010&11 vkSj 2011&12 gsrq vuqdwy vkns'k çnku fd;k gSA cSad us ns; djksa dk Hkqxrku dj fn;k gS rFkk mDr jkf'k dks cfg;ksa esa vfxze dj ds :i esa n'kkZ;k x;k gSA izca/ku bl laca/k esa dksbZ izko/kku djuk vko';d ugha le>rk gSA

22- vkLFkfxr dj ;Fkk 30 twu] 2019 dks] cSad us ? 428-60 djksM+ dh fuoy vkLFkfxr dj ns;rk ¼MhVh,y½ ntZ dh gSA vkLFkfxr dj vkfLr;ksa vkSj ns;rkvksa dh lajpuk uhps nh xbZ gS %


113

Øe la fooj.k 30 twu] 2019 30 twu] 2018vkLFkfxr dj vkfLr;ka% a

1 lsokfuo`Rr deZpkfj;ksa dks fpfdRlk lgk;rk ds fy, izko/kku 0-42 0-382 vodk'k udnhdj.k ds fy, izko/kku 2-30 1-843 minku ds fy, izko/kku 2a-53 2-384 vodk'k ;k=k fj;k;r ds fy, izko/kku 0-74 0-635 ifjHkkf"kr ;ksxnku isa'ku ;kstuk 0-02 0-03

dqy vkLFkfxr dj vkfLr;ka ¼d½ 6-01 5-26vkLFkfxr dj ns;rk,a%

1 ewY;gzkl 7-65 8-28 vk;dj vf/kfu;e] 1961 dh /kkjk 36¼1½¼viii½ ds v/khu 426-96 337-58

dqy vkLFkfxr dj ns;rk,a ¼[k½ 434-61 345-86fuoy vkLFkfxr dj ns;rk ¼[k&x½ 428-60 340-60

fo'ks”k vkjf{kr fuf/ak

djksM+ ? esa

23- x`g _.k ys[kk ;kstuk

23-1 jk-vk-cSad }kjk iwjs ns'k esa fnukad 1 tqykbZ] 1989 ls x`g _.k ys[kk ;kstuk ¼,p,y,,l½ izkjaHk dh xbZ Fkh vkSj bls vuqlwfpr cSadksa vkSj vkokl foRr daifu;ksa ds ek/;e ls izpkfyr fd;k x;k FkkA ,p,y,,l fnukad 01 ekpZ] 2004 ls lekIr dj nh xbZ gSA

23-2 jk-vk-cSad }kjk izkIr lwpuk ds vuqlkj cSadksa@vk-fo-da- }kjk ,p,y,,l ds rgr ? 0-06 djksM+ dh tek jkf'k;ka /kkfjr gSa vkSj mDr dks rqyu i= esa nqrjQk izfof"V ds rkSj ij n'kkZ;k x;k gSA

23-3 futh {ks= esa ,d vkokl foRr daiuh bafM;k gkmflax Qkbusal ,aM MsoyiesaV fyfeVsM] tks ,p,y,,l ds v/khu tek jkf'k;ka tqVkus ds fy;s izfrHkkxh vkokl foRr daiuh ¼vk-fo-da-½ esa ls ,d Fkk] dks mlds }kjk lkeuk dh xbZ xaHkhj foRrh; leL;kvksa ds dkj.k fnukad 01-10-1994 ls jk-vk-cSad }kjk ,p,y,,l ds v/khu u;s [kkrs ugha [kksyus@ubZ tek jkf'k;ka Lohdkj ugha djus dk lq>ko fn;k FkkA ;kstuk ds v/khu jk-vk-cSad ds iz/kku gksus ds dkj.k og [kkrk/kkjdksa dks muds cdk;k dk Hkqxrku djus dh ns;rk iwjh djus ds fy, ck/; FkkA cSad us ,p,y,,l ds v/khu vkbZ,p,QMh ds lR;kiu ;ksX; nkosnkjksa ds fo:) ? 0-49 djksM++ dh izkjafHkd ns;rk dk fu/kkZj.k fd;k vkSj o"kZ 2004 & 05 esa leku jkf'k dk izko/kku fd;kA vuqeksfnr izfØ;k ds vuqlkj] fnukad 30 twu] 2019 rd ? 0-27 djksM+ ds /ku okilh ds nkoksa dk Hkqxrku fd;k x;k vkSj 'ks"k ? 0-22 djksM+ dh jkf'k ml rkjh[k dh ;Fkk fLFkfr ns;rk ds :Ik esa ekStwn Fkh?

fooj.k 2018&19 2017&181- ejEer vkSj vuqj{k.k 3-23 3-232- vuqla/kku vkSj fodkl 0-03 0-493- oLrq ,oa lsok dj O;; 1-56 1-544- okgu O;; 0-50 0-475- O;kolkf;d 'kqYd 1-14 1-096- lEesyu O;; 0-21 0-607- vkfrF; O;; * 0-010-008- lwpuk izkS|ksfxdh laca/kh lsokvksa ij O;; 3-01 2-309- Ckkgj ls yh xbZ lsokvksa ds fy, Hkqxrku 2-50 4-8310- lqj{kk lsok O;; 1-28 1-3811- vU; 6-95 7-49dqy 20-41 23-4212- d‚iksZjsV lkekftd nkf;Ro O;; 2-00 2-00*

24- vU; O;;

ykHk vkSj gkfu ys[kk esa iznf'kZr vU; O;; ds vkadM+s fuEukuqlkj gS%djksM+ ? esa

114

okf"kZd ys[kk

* gkykafd lh,lvkj O;; dks ykHk ,oa gkfu ys[kk esa vyx iafDr en ds :i esa fn[kk;k x;k gS] ;g vU; O;; dk fgLlk curk gSA

25- fuos’k mrkj&p<+ko vkjf{kr fufèk [kkrk

foÙkh; laLFkkuksa ds fy, fuos'k iksVZQksfy;ks ds oxhZdj.k] ewY;kadu ,oa izpkyu ds fy, foosdiw.kZ ekunaMksa ijHkkjrh; fjt+oZ cSad ds fn'kk funsZ'kksa ds vuqlkj] fdlh o"kZ esa fcØh oxZ dh miyCèkrk esa ewY;gzkl ds [kkrs esa izkoèkku cuk;k tkuk vko';d gS] mls ykHk ,oa gkfu [kkrs ds ukes fd;k tkuk pkfg, ,oa lerqY; jkf'k ¼djksa dk fuoy½ vFkok fuos'k mrkj&p<+ko vkjf{kr fuf/k ¼vkbZ,Qvkj½ [kkrs esa miyCèk 'ks"k tks Hkh de gks mls fuos'k mrkj&p<+ko vkjf{kr fufèk [kkrs ls ykHk ,oa gkfu [kkrs esa varfjr fd;k tk,xkA fcØh oxZ gsrq miyCèk esa ewY;gzkl ds dkj.k cuk;s x;s izklafxd izkoèkkuksa esa fdlh o"kZ esa visf{kr jkf'k ls vfèkd ik;s tkrs gSa rks vfrfjDr jkf'k ykHk ,oa gkfu [kkrs esa tek dh tkrh gS ,oa lerqY; jkf'k ¼djksa dk fuoy] ;fn dksbZ gS½ dks fuos'k mrkj&p<+ko vkjf{kr fufèk [kkrs esa fofu;ksftr fd;k tkrk gSA o"kZ ds nkSjku vkbZ,Qvkj dks jkf'k dk

LFkkukarj.k ugha fd;k x;k rFkk 30 twu] 2019 rd ? 20-08 djksM+ dk 'ks"k cdk;k gSA

26- vkfLr;ksa dh gkfu

izca/ku dh jk; esa] ys[kkadu ekud 28&vkfLr;ksa dh gkfu ds vuqlkj cSad dh fdlh LFkk;h ifjlaifRr dh gkfu ugha gqbZ gSA

27- iwokZof/k ensa

27-1 o"kZ d sa nkjS ku] cdaS u s fuEufyf[kr d s dkj.k ikfjr 'kfq ) ifz of"V;k as dh otg l s iow Z vof/k dh idz f̀r e as ? 0-24 djksM+ jkf'k dks vk; ds :Ik esa fpfUgr dhA


115

fooj.k jkf'k :i;s esac‚UM ij ns; C;kt esa ikfjr 'kqf) izfof"V;ka 12]737-26vksojVkbe@deZpkfj;ksa dk Hkqxrku 20]250-00ewY;ºzkl ls iwoZ O;; esa gLrkarj.k 1]399-00cSad çHkkj 1]874-00ds ,l dksgyh ,aM ,lksfl,V~l ds çek.ku gsrq ys[kk ijh{kd dks Hkqxrku 4]000-00,;jVsy@eksckby fcy@vU; dks Hkqxrku 14]613-40,l,ih leFkZu ds fy, Hkqxrku 23]70]351-01dqy 24]25]224-67

djksM+ ? esa

27-2 o"kZ das nkSjku] cSad us cSad us eq[; :i ls lkof/k tek ds laca/k esa C;kt çko/kku esa ifjorZu dj nsus ds dkj.k iwoZ vof/k vk; dh izd`fr esa ?0-05 djksM+ dh jkf'k dks vk; ds :Ik esa fpfUgr dh gSA

28- fuos’k dk oxhZdj.k

28-1 tSlk of.kZr gS] fuos'k dks ̂ ^O;kikj ds fy, /kkfjr**] ̂ ^fcØh ds fy, miyC/k** vkSj ̂ ^ifjiDork ds fy, /kkfjr** Jsf.k;ksa esa fuEukafdr C;kSjs ds vuqlkj oxhZd`r fd;k tkrk gS %

ifjiDork d s fy, /kkfjr ¼,pVh,e½ d½ Hkkjr ljdkj dh fnukafdr izfrHkwfr;ka 93-15 0-00

[k½ xkS.k ckW.M 0-00 0-00

mi tksM+ 93-15 0-00

fcØh d s fy, miyC/k ¼,,Q,l½ d½ Hkkjr ljdkj dh fnukafdr izfrHkwfr;ka 0-00 100-05

[k½ jktdks"kh; fcy 2676-78 2785-26

x½ vkokl foRr laLFkkuksa ds 'ks;j % 5-10 40-43

?k½ vU; laLFkkuksa ds 'ks;j% 726-04 726-04

M-½ Hkou lkexzh daiuh 0-53 0-53

Pk½ E;wP;qvy QaM 0-00 0-00

mi tksM+ 3408-45 3652-32

;kikj d s fy, /kkfjr ¼,p,QVh ½ d½ Hkkjr ljdkj dh fnukfa dr ifz rHkfw r;ka 0-00 0-00

ldy fuos’k 3501-60 3652-32

?kVk, % ewY;gzkl 0-53 7-51

fuoy fuos’k 3501-07 3644-80

fuos’k dh Jsf.k;ka

fuos’k 30 twu] 2019 dks ;Fkk fLFkfr

30 twu] 2018 dks ;Fkk fLFkfr

#vkokl foÙk laLFkkuksa ds 'ks;jksa esa fofuos'k Øe'k% fnukad 19-03-2019 vkSj 26-04-2019 dks fd, x, lsok x`g _.k vkSj efgaæk :jy gkmflax Qkbusal fyfeVsM esa ? 2-11 djksM+ vkSj ? 33-22 djksM+ 'kkfey gSaA

116

okf"kZd ys[kk

29- vkdfLed ns;rk

ys[kkadu ekud ,,l & 29 esa ;Fkkisf{kr vkdfLed ns;rk esa ?kV&c<+ fuEukuqlkj gS

fooj.k 30 twu] 2019 30 twu] 201801 tqykbZ dks ;FkkfLFkfr izkjafHkd 'ks"k 96-81 48-48vof/k ds nkSjku o`f) 48-14 48-33vof/k ds nkSjku deh 0-00 0-00;Fkk 30 twu dks vafre 'ks"k 144-95 96-81

30- xzkeh.k vkokl fuf/k

o"kZ 2008&09 ds fy, ctV is'k djrs le; ekuuh; foRr ea=h }kjk xzkeh.k vkokl fuf/k ds xBu dh ?kks"k.kk ds vuqlkj] xzkeh.k vkokl fuf/k dks LFkkfir fd;k x;kA ;g fuf/k okf.kfT;d cSadksa }kjk muds izkFkfedrk {ks= _.k ck/;rk dks izkIr ugha dj ikus gsrq lg;ksx ds rkSj ij LFkkfir dh xbZA jk"Vªh; vkokl cSad }kjk xzkeh.k vkokl {ks= esa blds iqufoZRr izpkyuksa dks c<+kus ds fy, fuf/k dk xBu fd;k x;kA 30 twu] 2019 rd cSad us bl fuf/k ds rgr dqy ? 31]278-18 djksM+ dh jkf'k izkIr dh gS rFkk bl dks"k ds varxZr ;Fkk 30 twu] 2019 rd cdk;k 'ks"k ? 22]500-00 djksM+ gSA mDr dks vuqlwph&V ¼tek,a½ esa ̂ ^xzkeh.k vkokl fuf/k ds varxZr cSadksa ls tek,a** ds :i esa n'kkZ;k x;k gSA

31- 'kgjh vkokl fufèk

o"kZ 2013&14 ds nkSjku] Hkkjrh; fjt+oZ cSad ds vkcaVu ds vuqlkj ? 2]000 djksM+ dh jkf'k ds lkFk vuqlwfpr okf.kfT;d cSadksa dss ;ksxnku ls jk"Vªh; vkokl cSad ds lkFk bldss lalkèkuksa esa o`f) djus ,oa _.k miyCèkrk esa lqèkkj ykus ds fy, 'kgjh vkokl fufèk LFkkfir dh x;h FkhA blds vfrfjDr] Hkkjrh; fjtoZ cSad ds vkcaVu ds vuqlkj] o"kZ 2014&15 ds fy, ? 4]000 djksM+ dh 'kgjh vkokl fuf/k fu/kkZfjr dh xbZA iqu% Hkk-fj-cSad vkcaVu dh 'krksZa ds vqulkj] o"kZ 2016&17 gsrq ? 4]500 djksM+ dh 'kgjh vkokl fuf/k fu/kkZfjr dh xbZ FkhA ;s fuf/k;ka 'kgjh vkokl fuf/k ds fy, iqufoZRr izpkyuksa dks c<+kus esa lgk;d gksxh rFkk 'kgjh {ks=ksa esa jgus okys de vk; okys [k.M esa vkus okys yksxksa ds fy, mudh vkokl t:jrsa iwjk djus esa Hkh lgk;d gksxhA 30 twu] 2019 rd] cSad us ? 10]500 djksM+ #i;s dh jkf'k izkIr dh gS ,oa ;Fkk 30 twu] 2019 dks cdk;k 'ks"k ? 10]500-00 djksM+ #i;s gSA mDr dks vuqlwph &V &¼tek,a½ esa ̂ ^'kgjh vkokl fuf/k ds varxZr cSadksa ls tek,a** ds :i esa n'kkZ;k x;k gS?

32- fdQk;rh vkokl fuf/k

2018&19 gsrq dsaæh; ctV esa ekuuh; dsaæh; foÙk ea=h] 1 Qjojh] 2018 dks laln esa mifLFkr gq,]ftlesa mUgksus jk-vk-cSad esa ,d lefiZr fdQk;rh vkokl fuf/k dh LFkkiuk dh ?kks"k.kk dh] tks Hkkjr ljdkj }kjk çkf/k—r çkFkfedrk çkIr {ks= esa _.k dh deh vkSj iw.kZr% lsfor ckaM ls foÙk iksf"kr gSA ?kks"k.kk ds vuqlkj] 4 tqykbZ] 2018 dks Hkkjrh; fjt+oZ cSad us 10]000 djksM+ ds dkWiZl ds lkFk ,,p,Q dh LFkkiuk dh lwpuk nh gSA

djksM+ ? esa


117

,,p,Q d‚iZl dks muds çkFkfedrk çkIr {ks= y{;ksa@mi&y{;ksa dh miyfC/k esa deh okys ,llhch }kjk ;ksxnku fn;k tk,xkA ,,p,Q dk mís'; xzkeh.k vkSj 'kgjh {ks=ksa esa yf{kr {ks=ksa gsrq fdQk;rh vkokl ds fy, jk-vk-cSad ds iqufoZÙk lapkyu dk leFkZu djuk gksxkA o"kZ 2019&20 ds fy,] fdQk;rh vkokl fuf/k ¼,,p,Q½ ds rgr ?10]000 djksM+ dh jkf'k vkoafVr dh xbZ gSA 30 twu] 2019 dks ,,p,Q ds rgr çkIr dqy jkf'k ? 7]500 djksM+ gSA mä dks vuqlwph& V ¼^tek,a*½ esa fdQk;rh vkokl fuf/k ds rgr cSadksa ls tekvksa ds :i esa fn[kk;k x;k gSA

33- thjks dwiu ckW.M

o"kZ 2008&09 esa] cSad us ? 453-39 djksM+ ds cV~Vk ewY; lfgr ? 1]050 djksM+ ds vafdr ewY; ds 'kwU; ¼thjks½ dwiu ckW.M ¼tsMlhch½ tkjh fd, FksA ;s ckW.M nl o"kZ dh vof/k gsrq tkjh fd, x, FksA c‚UM dks Øe'k% fnlacj] 2018 vkSj ekpZ 2019 esa ? 750 djksM+ vkSj ? 300 djksM+ dh jkf'k iqu%çkIr fd;k A

34- _.k ,oa vfxze? 69]192-20 djksM+ ¼ldy½ ds dqy cdk;k _.kksa vkSj vfxzeksa esa ls ? 27]922-67 djksM+ jkf'k ds _.k ,oa vfxze _.k cfg;ksa ij izHkkj] ljdkjh xkjaVh] cSad xkjaVh] vpy ifjlaifÙk;ksa ij lkfE;d ca/kd] py ifjlaifÙk;ksa dk n`f"Vca/kd vkSj cSad tekvksa ij /kkj.kkf/kdkj ds }kjk izfrHkwfrd`r gSA ? 41]269-53 djksM+ jkf'k ds _.k ,oa vfxze vizfrHkwfrd`r gS ftlesa ls ? 22]343-22 djksM+ udkjkRed /kkj.kkf/kdkj ds varxZr gSA

35- dj eqDr ckW.M

jk"Vªh; vkokl cSad us dj eqDr ckW.M tkjh dj] ml ij izhfe;e dks gVkdj ? 4]640-13 djksM+ ¼2012&13 esa ? 640-13 djksM+ vkSj 2013&14 esa ? 4]000 djksM+½ dh dqy jkf'k laxzfgr dh gSA ;s ckW.M jk-vk-cSad ds fof'k"V cgh _.kksa ij lexfr ek=k vfLFkj izFke izHkkj ds rjhds ls izfrHkwfrd`r gSA 30 twu] 2019 dh ;Fkk fLFkfr ds vuqlkj dj eqDr ckW.M gsrq izfrHkwfr ds :Ik esa fn, n`f"Vca/kd vkfLr;ksa dk ewY; ? 4]969-37 djksM+ FkkA o"kZ ds nkSjku dj eqä c‚UM ij çhfe;e dk ifj'kks/ku fooj.k bl çdkj gS%

c‚UM 2017&18 2018&19 ykHk ,oa gkfu dks gLrkarfjrjk-vk-cSad dj eqä c‚UM ij çhfe;e 46-36 41-72 4-64

;Fkk frfFk 30-06-2019 dks jk-vk-cSad dj eqä C;kt Hkqxrku [kkrs esa nkokjfgr jkf'k vof/k&okj uhps mfYyf[kr gSaA blds vfrfjä] jk-vk-cSad us Øe'k% Hkkx I vkSj II ds fy, 6-26 yk[k vkSj 0-14 yk[k :i;s ds vkosnu jkf'k ij nkokjfgr C;kt fn;k gSA

¼yk[k ? esa½

118

okf"kZd ys[kk

jsiks ds rgr csph x;h çfrHkwfr;ka **i ljdkjh çfrHkwfr;ka

ii d‚jiksjsV _.k çfrHkwfr;kaiii dksbZ vU; çfrHkwfr;kajsiks ds rgr [kjhnh x;h çfrHkwfr;ka **i ljdkjh çfrHkwfr;ka 5-45 108-86 27-03 0-00¼VhvkjbZih,l m/kkj½ii d‚jiksjsV _.k çfrHkwfr;ka

iii dksbZ vU; çfrHkwfr;ka

24-95 2863-92 2111-48 2655-23¼VhvkjbZih,l m/kkj½

0-00 0-00 0-00 0-000-00 0-00 0-00 0-00

0-00 0-00 0-00 0-00

0-00 0-00 0-00 0-00

o"kZ ds nkSjku U;wure cdk;k

¼yk[k ? esa½

o"kZ ds nkSjku vf/kdre cdk;k

o"kZ ds nkSjku nSfud vkSlr

cdk;k

;Fkk frfFk 30 twu dks cdk;k

o"kZ nkokjfgr C;kt jkf'k2014 'kwU;2015 6-592016 7-852017 22-812018 17-472019 15-86

dqy nkokjfgr jkf'k 70-58

36- fo'ks"k Js.kh izkFkfed lsDVj ckW.M,fDt+e cSad] dsujk cSad ,oa cSad vkWQ bf.M;k us ? 564 djksM+ ¼;Fkk 30 twu] 2019 dks cdk;k jkf'k ? 162-90 djksM+ gS½ ds cSad }kjk tkjh fo'ks"k Js.kh ckW.M dks lClØkbc fd;k gSA ;s fo'ks"k Js.kh ckW.M Øe'k% o"kZ 2022 ,oa 2025 rd Nekgh fd'rksa esa Hkqxrku ;ksX; gSA

37- ,u,pch ckW.M~l,u,pch ckW.M~l@fMcsapjksa ds fuxZeu }kjk fuf/k laxzfgr djrk gS ftlesa dksbZ dj ykHk 'kkfey ugha gSA ;s Hkk-fj-cSad fn'kk&fun'kksa ds vuqlkj tkjh fd, tkrs gSa rFkk vizfrHkwfrd`r izd`fr ds gSA o"kZ 2018&19 ds nkSjku] cSad us bl Js.kh ds varxZr 5]987-10 djksM+ :- ds u, ckW.M tkjh fd, vkSj o"kZ ds nkSjku 1]950-00 djksM+ :- jkf'k ds ckW.M pqdrk fd, x,A ;Fkk 30 twu] 2019 dks bl Js.kh ds rgr

? 6]037-10 djksM+ cdk;k gSA38 VhvkjbZih,l m/kkj fnukad 5 uoacj] 2018 ls cSad us VªkbZ&ikVhZ jsiks ¼VhvkjbZih,l½ lqfo/kk ds ek/;e ls m/kkj ysuk vkjaHk dj fn;k

gS ftlesa laikf'oZdh—r m/kkj ysu&nsu laca/kh nkf;Ro ¼lhch,yvks½ dks m/kkj IysVQ‚eZ ls çfrLFkkfir dj fn;kAfnukad 24 tqykbZ] 2018 dh Hkkjrh; fjtoZ cSad dh vf/klwpuk ds vuqlkj] uhps fn, x, çdVhdj.k dks cSad }kjk fd;k tkuk gS%

¼yk[k ? esa½


119

** VªStjh ÝaV v‚fQl esa miyC/k udnh çokg ls ladfyr Vªsi m/kkj vkSj iznÙk _.k ds vkadM+ksa dks VªStjh cSd v‚fQl ds lkFk Ø‚l psd fd;k x;k gSA

39- nkokjfgr lqfuf/k vkSj lqo`f) tek

nkokjfgr lqfuf/k vkSj lqo`f) dh vfrns; lkof/k tek ds laca/k esaA bl lUnHkZ esa] ;g lwfpr fd;k tkrk gS fd fnukad 30 twu] 2019 dks lekIr vof/k ds nkSjku] nkokjfgr lqfuf/k vkSj lqo`f) fuf/k ds vfrns; lkof/k tek ds lanHkZ esa ? 7-95 djksM+ cdk;k FksA

lqfuf/k vfrns; lkof/k tek C;ksjs dk fooj.k

foÙkh; o"kZ ? esa ewy/ku jkf'k ? esa C;kt jkf'k ? esa dqy jkf'k

twu]12 50]000 12]119 62]119twu]13 6]07]968 1]23]418 7]31]386twu]14 50]000 29]973 79]973twu]15 60]000 29]151 89]151twu]16 12]00]000 4]842 12]04]842twu]17 16]37]832 1]70]285 18]08]117twu]18 4]50]000 28]985 4]78]985twu]19 2]62]86]900 49]50]968 3]12]37]868dqy 3]03]42]700 53]49]741 3]56]92]441

120

okf"kZd ys[kk

foÙkh; o"kZ ? esa ewy/ku jkf'k ? esa C;kt jkf'k ? esa dqy jkf'k

twu]12 0 0 0twu]13 0 0 0twu]14 6]85]000 2]75]313 9]60]313twu]15 1]70]000 82]635 2]52]635twu]16 2]60]000 1]12]468 3]72]468twu]17 7]80]000 3]74]605 11]54]605twu]18 24]70]000 8]86]606 33]56]606twu]19 2]81]90]292 95]13]205 3]77]03]497dqy 3]25]55]292 1]12]44]832 4]38]00]124

lqo`f) dj cpr tek vfrns; C;ksjs dk fooj.k

lkof/k tek&nkokjfgr okjaV C;ksjs dk fooj.k

foÙkh; o"kZ lqfuf/k lqo`f)

¼? esa dqy jkf'k½

2008&2009 1]208 8532009 2010 64]196 13]0962010 2011 79]064 39]3322011 2012 11]386 26]6972012 2013 26]907 36]1602014 2015 74]220 74]5942015 2016 58]067 74]4882016 2017 68]296 87]7882017 2018 1]32]582 74]0022018 2019 95]080 1]67]6432019 2020 68]186 1]97]645dqy 6]79]192 7]92]298

¼? esa dqy jkf'k½

&&&&&&&&&&

?14]03]774 dh jkf'k dh lqfuf/k lkof/k tek jkf'k ij ns; C;kt jkf'k dks lqo`f) tekvksa ij ns; C;kt esa fn[kk;k x;k FkkA gLrkarj.k çfof"V bl o"kZ dh xbZ gS vkSj Bhd çdkj ls fjiksVZ dh xbZ gSA QyLo:i] lqfuf/k lko/kh tek ij ns;

C;kt ?11]20]60]279 gS vkSj lqo`f) lkof/k tekvksa ds laca/k esa ;g ;Fkk frfFk 30-06-2019 dks ? 3]46]63]388 gSA


121

40- vkbZ,uMh ,,l dk dk;kZUo;u

Hkkjrh; fjtoZ cSad ds 04 vxLr] 2016 ds ifji= ds vuqlkj] cSad yxkrkj ys[kkadu ekud fooj.k çksQkekZ rS;kj dj jgk gS vkSj fu;fer :i ls fofu;ked dks çLrqr dj jgk gSA Hkkjrh; fjtoZ cSad us fnukad 15 ebZ] 2019 ds vius i= ds }kjk lwfpr fd;k gS fd vf[ky Hkkjrh; foÙkh; laLFkkuvksa ¼,vkbZ,QvkbZ½ }kjk Hkkjrh; ys[kk ekudksa ds dk;kZUo;u dks vxyh lwpuk rd LFkfxr dj fn;k x;k gSA

41- Hkkjr ljdkj ds 'ks;j/kkfjrk dk gLrkarj.k vkSj jk"Vªh; vkokl cSad vf/kfu;e] 1987 esa la'kks/ku Hkkjr ljdkj us jkti= vf/klwpuk la[;k ,l-vks-2198¼bZ½ fnukad 31 ebZ] 2018 }kjk jk"Vªh; vkokl cSad vf/kfu;e] 1987 esa la'kks/ku fd;k vkSj mä dks twu] 2018 ds izFke fnu ls çHkkoh fd;k gSA

blds vfrfjä] Hkkjr ljdkj us 19 ekpZ] 2019 dks 1]450 djksM+ Hkkjrh; fjtoZ cSad dks gLrkarfjr fd, vkSj 29 vçSy] 2019 dks jkti= vf/klwpuk la[;k ,lvks1660 ¼bZ½]esa vf/klwfpr fd;k fd ekpZ] 2019 ds 19 osa fnu ls çHkkoh] Hkkjrh; fjtoZ cSad dks lClØkbCM iwath ds vafdr ewY; ds Hkqxrku ij dsaæ ljdkj esa Hkkjrh; fjtoZ cSad }kjk jk"Vªh; vkokl cSad ds ,d gtkj pkj lkS ipkl djksM+ #i;s dh lClØkbc dh xbZ iwath gLrkarfjr vkSj fufgr gSA

42- bfDoVh fuos'k dh fcØh

cSad us fnukad 19 ekpZ] 2019 dks ? 4-62 djksM+ ij lsok x`g _.k ,p,Q,y esa ? 2-11 djksM+ dh jkf'k ds 17-64 yk[k bfDoVh 'ks;jksa dh viuh iw.kZ/kkfjrk dk fofuos'k fd;kA

cSad us fnukad 26 vçSy] 2019 dks ? 286-78 djksM+ ij efgaæk :jy gkmflax Qkbusal fyfeVsM esa ? 33-22 djksM+ dh jkf'k dk 118-92 yk[k bfDoVh 'ks;jksa dh viuh iw.kZ /kkfjrk dk fofuos'k fd;kA

43- izko/kku ftudh vko’;drk ugha

vutZd vkfLr;ksa gsrq vfrfjDr izko/kkuksa ,oa dks ^^izko/kku ftudh vko';drk ugha^^ esa varfjr fd;k x;k gS? gkaykfd ;g foRr o"kZ 2018&19 ls lekIr dj fn;k x;k gSA

44- vkjf{kr fuf/k

foÙk o"kZ 2018&19 gsrq fuoy ykHk esa ls cSad us ? 178-74 djksM+ dh vf/k'ks"k dks vkjf{kr fuf/k esa varfjr fd;k x;k gSA

?

foÙk o"kZ 2017&18

122

okf"kZd ys[kk

45- ukei)fr esa ifjorZu

fçafliy vksuyh LoSi ¼ihvks,l½ ij iwoZ esa dh xbZ ykxr dks ih vkSj ,y esa ̂ ^LoSi lkSnksa ij çnÙk C;kt** ds rgr fn[kk;k x;k FkkA gkykafd] pkyw foÙk o"kZ ds nkSjku] bls ihvks,l ij çnÙk ̂ ^LoSi Mhy@çhfe;e** ij çnÙk dwiu ds :i esa iqu% ykxw fd;k x;k gSA ukei)fr esa ifjorZu dks NksM+dj] u rks ys[kkadu i)fr esa ifjorZu gksrk gS vkSj u gh cgh esa bldk çHkko gksrk gSA

46- nhoku gkmflax Qkbusal fyfeVsM ¼Mh,p,Q,y½

fnukad 01-07-2019 dks Mh,p,Q,y ls ? 134-16 djksM+ dh jkf'k cdk;k Fkh] ftls vk-fo-da- ds lkFk vuqorhZ fd;k tkuk gSA bl laca/k esa Hkkjrh; fjtoZ cSad ds ekStwnk fn'kkfunsZ'k ds vuqlkj] 05-07-2019 dks lekIr lIrkg gsrq pwd ds :i esa ;g lhvkjvkbZ,yvkbZlh fjiksVZ esa lwfpr fd;k x;k FkkA

ladYi ;kstuk ds vuqlkj Hkqxrku fd;k tk,xk ftls lHkh m/kkjnkrkvksa }kjk lekIr fd;k tk,xkA bl laca/k esa jk-vk-cSad us 29 tqykbZ] 2019 dks ,Dlsl ds foys[k ij gLrk{kj fd, gSa] tks 5 tqykbZ] 2019 dks varj&ysunkj le>kSrs ds iwjd gSa] tks Mh,p,Q,y }kjk çkIr lqfo/kkvksa ds laca/k esa ladYi ;kstuk ds dk;kZUo;u dh laLFkk gSA

47- -

foÙk o"kZ 2018&19 ds nkSjku] cSad us _.k vkSj vfxze ij C;kt ds :i esa ? 4740-51 djksM+ dh jkf'k cqd dh gSA fuEu çdkj ds _.kksa vkSj vfxzeksa ls çkIr C;kt dk fooj.k uhps fn;k x;k gS

_.k vkSj vfxze ij C;kt dk f}Hkktu

Øa-la- fooj.k djksM+ ? esa1- iqufoZÙk ij vftZr C;kt 4]731-912- çR;{k foÙk ij vftZr C;kt 7-683- deZpkjh _.k ij vftZr C;kt 0-854- çR;{k foÙk ij naM C;kt 0-07

dqy 4]740-51

48- lkafof/kd ys[kk ijh{kk 'kqYd dk fooj.k

Hkkjrh; fjtoZ cSad us fnukad 05 uoacj] 2018 ds vius i= Øekad Mh-ch-,l-,vkj,l-la-@2380@ 08%15%008@2018&19 ds }kjk lwfpr fd;k gS fd eSllZ caly vkSj lhvks ,y,yih ubZ fnYyh dks o"kZ 2018&19 gsrq jk"Vªh; vkokl cSad ds lafof/kd ys[kk ijh{kd ds :i esa fu;qä fd;k x;k gS vkSj fufnZ"V 'kqYd dk Hkh Hkqxrku ns; gSaA foÙk o"kZ 2018&19 ds nkSjku] ? 4-05 yk[k dh jkf'k dk Hkqxrku fd;k x;k Fkk vkSj Hkfo"; ds Hkqxrku djus ds çko/kku ds ek/;e 'ks"k jkf'k vyx j[kh xbZ gSA


123

Ø-la- fooj.k yk[k+ ? esa1- lkafof/kd ys[kk ijh{kk vkSj lhfer leh{kk 'kqYd 9-00

2- dj ys[kk ijh{kk 'kqYd 2-00

3- th,lVh ys[kk ijh{kk 'kqYd 1-50

4- lsch }kjk vko';d çek.ku vkSj vfrfjä çek.ki=ksa ij O;; 1-25

dqy 13-75

49- rqyu i= frfFk ds ckn gksus okyh ?kVuk,a

ftl frfFk dks foÙk vf/kfu;e ds v/;k; VI ds Hkkx VII ds çko/kku ykxw gksaxsa] ml frfFk dks dsaæ ljdkj us fnukad 9 vxLr] 2019 ds jkti= vf/klwpuk la[;k ,l-vks- 2902 ¼bZ½ esa 9 vxLr] 2019 ds ukSosa fnu dks fu;r fd;kA

foÙk vf/kfu;e ds v/;k; VI ds Hkkx VII esa jk-vk-cSad vf/kfu;e esa la'kks/ku fd;k x;k gS] ftlesa igys jk-vk-cSad ds lkFk fufgr fofu;ked çko/kkuksa dks Hkkjrh; fjt+oZ cSad esa gLrkarfjr dj fn;k x;k gS

50- lsch ¼lwphc) nkf;Ro rFkk izdVhdj.k vko’;drk,a½ fofu;e] 2015 ds varxZr izdVhdj.k

d- ØsfMV jsfVax & ,,,@fØfly }kjk fLFkj jsfVax] vkbZlhvkj, }kjk ,1+[k- miyC/k laifÙk doj & 100%

x- _.k bfDoVh vuqikr & 7-11 xquk ?k- _.k lsok doj vuqikr & 2-04 xquk M- C;kt lsok doj vuqikr & 1-49 xquk p- fuoy ekfy;r & ? 8]404 djksM+N- dj i’pkr fuoy ykHk & ? 733 djksM+t- izfr 'ks;j vk; & ykxw ugha>- xSj&ifjorZuh; fMcsapj ds fy, C;kt Hkqxrku gsrq iwoZ ns; frfFk;ka rFkk mudk Hkqxrku fd;k x;k

vFkok ughaA

124

okf"kZd ys[kk

1- 8-05% ,l,l ih,l ckW.M 1997&98 31 ekpZ 98 10-76% 30]80]00]000-00 11 ? ?? 19

2- 8-05% ,l,l ih,l ckW.M 1998&99 10 Qjojh 99 10-76 44]70]00]000-00 11 ? ?? 19

3- 12-10 ,l,l ih,l ckW.M 1999-00 16 fnlacj 99 9-79 66]90]00]000-00 11 ? ?? 19

4- 9-75 ,l,l ih,l ck.W M ¼,fDte+ chd s -II) 28 ekpZ 02 7-84 58]90]00]000-00 11 ekpZ 195- 7-19 jk-vk-cSad dj eqDr

ckW.M 2022 dj eqDr J`à[kyk-I 14 fnlca j 12 7-19 126]00]00]000-00 14 fnlca j 186- 7-17 jk-vk-cSad dj eqDr ckW.M 2023 1 tuojh 13 7-17 110]00]00]000-00 1 tuojh 19

7- 6-87% jk-vk-cSad dj eqDr ckW.M 2023 6 Qjojh 13 6-87% 125]00]00]000-00 6 Qjojh 19

8- 6-89% jk-vk-cSad dj eqDr ckW.M 2023 22- ekpZ-13 6-89% 82]90]00]000-00 22 ekpZ 19

J`à[kyk -IV

9- 6-82% jk-vk-cSad dj eqDr ckW.M 26 ekpZ 13 6-82% 196]23]30]000-00 26 ekpZ 19

10- 8-01% jk-vk-cSad dj eqDr ckW.M 2023 30 vxLr 13 8-01% 17]00]00]000-00 30 vxLr 18

11- 8-46% jk-vk-cSad dj eqDr ckW.M 2028 30 vxLr 13 8-46% 883]00]00]000-00 30 vxLr 18

12- jk-vk-cSad dj eqDr ckW.M 2014 J`à[kyk-I 13 tuojh 14 8-26% 2100]00]00]000-00 14 tuojh 19

13- jk-vk-cSad dj eDq r ck.W M 2014 J[a`` kyk-II 24 ekpZ 14 8-25% 1000]00]00]000-00 25 ekpZ 19

14- 7-59% jk-vk-cSad 12 ekpZ 18 7-59% 50]00]00]000-00 15 ekpZ 1915- 8-14 % jk-vk-cSad 2021 27 fnlacj 18 8-14% 735]00]00]000-00 ykxw ugha16- 8-05 % jk-vk-cSad 2022 10 tuojh 19 8-05% 172]000]00]000-00 11 ekpZ 201917- 8-02% jk-vk-cSad 2022 30 tuojh 19 8-02% 1165]00]00]000-00 ykxw ugha18- 8-00% jk-vk-cSad 2022 22 Qjojh 19 8-00% 1567]10]00]000-00 ykxw ugha19- 7-65% jk-vk-cSad 2022 25 ekpZ 19 7-65% 800]00]00]000-00 ykxw ugha

dqy 108]40]13]30]000-00

- - - -

- - % - -

% - - % - -

% - - % - -

%

- - % - -

% - - % - -

J`à[kyk-II

- - - -

J`à[kyk -III

- -

- - - -

lkoZtfud fuxZe 2012-13- - - -

J`à[kyk-V- - - -

J`à[kyk&V - - - -

ls 9-01%- - - -

ls 8-93%

ckW.M - - - -

ckW.M - -

ckW.M - - - -

ckW.M - -

ckW.M - -

ckW.M - -

Ø-l-

ckW.M dk uke- vkcaVu rkjh[k

C;kt nj

jkf'k vafre C;kt Hkqxrku frfFk

cdk;k ckW.M~l ij Hkqxrku fd, x, C;kt dk fooj.k uhps fn;k x;k gS%&


125

51- fMcsapj U;klh

29 vDrwcj] 2013 ds lsch ds ifji= ds vuqlkj jk"Vªh; vkokl cSad }kjk tkjh fofo/k ckW.M gsrq fMcsapj U;klh ¼U;kfl;ksa½ dk laidZ fooj.k uhps fn, vuqlkj gS&

dj&eqDr ckW.M gsrq fMcsapj U;klh& vuqikyu vf/kdkjh] vkbZ,y ,.M ,Q,l VªLV daiuh fy-n vkbZ,y ,.M ,Q,l Qkbusafl;y lsaVjIykWV la- lh&22] th CykWd] ckanzk dqykZ dkWEiysDlckanzk ¼iw-½] eqacbZ 400051Qksu% +91 22 2659 3927] QSDl% +91 22 2653 3297 bZesy% [email protected] , osc% www.vistraitcl.com

vU; ckW.M gsrq fMcsapj U;klh&vuqikyu vf/kdkjh] vkbZMhchvkbZ VªLVhf'ki lfoZlst fyfeVsM ,f'k;u fcfYMax] Hkwry17- vkj- dekuh ekxZ] cykMZ ,LVsV] eqacbZ egkjk"Vª&400001] Hkkjr Qksu% 91 22 40807000 QSDl%+91 22 66311776bZesy% [email protected] osc% www.Idbitrustee.com

52- lkekU; fuf/k ds lkFk fo’ks"k fuf/k dk lesdu

52-1 LoSfPNd tek ¼izfrj{kk vkSj NwV½ vf/kfu;e] 1991 dks jk"Vªh; vkokl cSad ds ikl LoSfPNd tek djus okys O;fDr;ksa dks izR;{k dj dh dfri; izfrj{kk vkSj NwV rFkk ,slh jkf'k;ksa ds laca/k esa izR;{k djksa ls NwV iznku djus ds mn~ns'; ls ikfjr fd;k x;k FkkA LoSfPNd tek ;kstuk ds v/khu laxzfgr jkf'k fo'ks"k :Ik ls efyu cLrh dh lQkbZ vkSj xjhcksa ds fy, fuEu ykxr okys vkokl ds foRriks"k.k ds iz;kstukFkZ ,d fo'ks"k fuf/k esa j[kuk visf{kr gSA jk"Vªh; vkokl cSad ¼efyu cLrh lq/kkj vkSj fuEu ykxr vkokl fuf/k½ fofu;e] 1993 ds vuqlkj] fnukad 30 twu dks lekIr o"kZ ds fy, ykHk ,oa gkfu ys[kk vkSj fo'ks"k fuf/k ds laca/k esa izR;sd o"kZ ml rkjh[k dks rqyu i= rS;kj fd;k tkuk vkSj jk"Vªh; vkokl cSad vf/kfu;e] 1987 dh /kkjk 40 ¼1½ ds v/khu Hkkjrh; fjt+oZ cSad }kjk fu;qDr lkafof/kd ys[kk ijh{kdksa }kjk mls ys[kk ijhf{kr djkuk visf{kr gSA

52-2 rnuqlkj] jk"Vªh; vkokl cSad ¼efyu cLrh lq/kkj vkSj fuEu ykxr vkokl fuf/k½ fofu;e] 1993 ds izko/kkuksa ds vuqlkj ykHk vkSj gkfu ys[kk vkSj fo'ks"k fuf/k dk rqyu i= rS;kj fd;k x;k gS rFkk ;g bu foRrh; fooj.kksa ds vuqca/k ds :i esa layXu gSA fuf/k esa j[kk 'ks"k cSad ds lesfdr rqyui= esa ̂ ^vkjf{kr fuf/k;ka ,oa vf/k'ks"k** 'kh"kZ ds rgr lekfo"V gSA fuf/k dh fofHkUu vkfLr;ksa vkSj ns;rkvksa dks Hkh lacaf/kr 'kh"kksZa ds rgr lesfdr rqyui= esa lewgc) fd;k x;k gSA

53- dkjiksjsV lkekftd mÙkjnkf;Ro xfrfof/k;ka

jk"Vªh; vkokl cSad dh LFkkiuk jk”Vªh; vkokl cSad vf/kfu;e] 1987 ds rgr gqbZ gS vkSj vr% daiuh vf/kfu;e] 2013 ds varxZr lh,lvkj izko/kku ykxw ugha gksrs gSaA gkykafd] LoSfPNd dk;Z ds :i esa] jk-vk-cSad ds funs'kd

+

fo'ks"kfo'ks"k

126

okf"kZd ys[kk

eaMy us o"kZ 2018&19 gsrq lh,lvkj xfrfof/k;ksa gsrq 2 djksM+ :- dh jkf'k vkcafVr fd;k gSA rnuqlkj] jk-vk-cSad us foÙk o"kZ] 2018&19 esa LoPN Hkkjr dks"k vkSj LoPN xaxk dks"k esa 1 djksM+ dk ;ksxnku fn;k gSA

54- iqu% lewghdj.k

Tkgka Hkh vko';d gqvk] fiNys o"kZ ds vkadM+ksa dks orZeku o"kZ ds vkadM+ksa ls rqyuh; cukus ds fy, iqu% lewgc) fd;k x;k gSA


127

55 ¼d½ fnukad 30 twu] 2019 dks lekIr o"kZ ds fy, jksdM+ izokg fooj.k

2018&19

¼jkf’k ? djksM+ esa½d½ izpkyu dk;Zdykiksa ls jksdM+ izokg

ykHk vkSj gkfu ys[kk ds vuqlkj fuoy ykHk 732-97 751-11

fuEufyf[kr ds fy, lek;kstu%

dj ds fy, izko/kku 493-50 349-31

vkLFkfxr dj ds fy, izko/kku 88-00 67-26

LFkk;h ifjlaifÙk;ksa ij ewY;gzkl 5-65 7-06

ifjljksa ij ewY;gzkl mRØe.k 0-00 ¼6-84½

fuos'kksa dh fcØh ij gkfu 0-00 4-39

fuos'kksa ij ewY;gzkl vkSj ifj'kks/ku O;; ¼0-08½ 7-32

ekud ifjlaifÙk;ksa ds fy, izko/kku 404-40 26-94

vutZd ifjlaifÙk;ksa@iquxZfBr ys[kk ds fy, izko/kku ¼0-42½ 0-00

Okk;nk fofue; lafonkvksa ds iquewZY;kadu ij ¼ykHk½@gkfu 6-50 ¼5-79½

vk;dj vf/kfu;e] 1961 dh /kkjk 36 ¼1½¼viid½ ¼x½ ds 78-01 54-44

LFkk;h ifjlaifRr;ksa dh fcØh ij ¼ykHk½@gkfu ¼0-01½ 0-07

fons'kh tek ,oa m/kkjksa ds iquewZY;kadu ij ¼ykHk½@gkfu 6-92 30-75

izfrys[ku ds fy, vc izko/kku visf{kr ugha gS ¼0-14½ ¼46-46½

Ok;nk fofue; lafonk ij izhfe;e ¼14-45½ ¼4-66½

fuos'kksa ls vk; ¼192-03½ ¼195-87½

E;wP;qvy QaM dh [kjhn vkSj fcØh ij ykHk ¼11-28½ ¼25-22½

fuos'kksa dh fcØh ij ykHk ¼256-07½ 0-00

vkokl foÙk daifu;ksa dh bfDoVh ij ykHkka'k ¼2-82½ ¼1-98½

dk;Z'khy iwath ifjorZu ds iwoZ izpkyu ykHk 1]338-65 1]011-83

dk;Z'khy iwath ds fy, lek;kstu

cSadksa ds ikl tek esa¼o`f)½@deh ¼556-03½ 290-18

_.k vkSj vfxze esa ¼o`f)½@deh ¼12]121-17½ ¼3]298-73½

vU; ifjlaifRr;ksa esa ¼o`f)½@deh 589-60 277-80

orZeku ns;rkvksa esa ¼o`f)½@deh aa ¼264-54½ ¼433-68½

vnk fd, x, dj d s iow Z ipz kyu dk;dZ ykik as l s fuoy udn ¼11]013-49½ ¼2]152-60½

?kVk,a% vnk fd;k x;k vk; dj ¼454-00½ ¼370-00½

vlk/kkj.k enk as d s iow Z ipz kyu dk;dZ ykik as l s fuoy udn ioz kg ¼11]467-49½ ¼2]522-60½

vlk/kkj.k ensa 0-00 0-00

rgr Mwcar _.k gsrq

2017&18

¼jkf’k ? djksM+ esa½

128

okf"kZd ys[kk

vlk/kkj.k enk as d s ckn ipz kyu dk;dZ ykik as l s fuoy udn ioz kg ¼d½ ¼11]467-49½ ¼2]522-60½

[k½ vlk/kkj.k enksa ds iow Z fuo's k dk;dZ ykik as l s jkds M + ioz kg

LFkk;h ifjlaifRr;ksa esa ¼o`f)½@deh ¼1-33½ ¼7-41½

fuos'k esa ¼o`f)½@deh 143-81 ¼2]123-82½

fuos'k ls vk; 192-03 195-87

fuos'k dh fcØh ls ¼ykHk½@gkfu 0-00 ¼4-39½

Okk;nk fofue; lafonkvksa ds iquewZY;kadu ij ¼ykHk½@gkfu ¼6-50½ 5-79

E;wP;qvy QaM dh [kjhn vkSj fcØh ij ykHk 11-28 25-22

fuos'kksa dh fcØh ij ykHk 256-07 0-00

vkokl foÙk daifu;ksa dh bfDoVh ij ykHkka'k 2-82 1-98

vlk/kkj.k enksa ds iow Z fuo's k dk;dZ ykik as l s lf̀tr fuoy udn 598-18 ¼1906-76½

vkokl foRr daifu;ksa dh bfDoVh dh fcØh ls vk; 0-00 0-00

vlk/kkj.k enk as d s ckn fuo's k dk;dZ ykik as l s lf̀tr fuoy udn ¼[k½ 598-18 ¼1]906-76½

x½ foRriks"k.k dk;Zdykiksa ls jksdM+ izokg

'ks;j iwath esa o`f) 0-00 0-00

deZpkjh dY;k.k fuf/k ds v/khu fuoy vk; 4-12 3-02

ckW.M vkSj fMcsapjksa esa ¼o`f)½@deh 2]982-02 1]148-58

tek jkf'k;ksa esa ¼o`f)½@deh 4]401-79 181-12

m/kkj jkf'k;ksa esa ¼o`f)½@deh 3]419-36 2]921-49

foRriks"k.k dk;Zdykiksa ls l`ftr fuoy udn ¼x½ 10]807-28 4]254-21

udn vkSj udn lerqY; esa fuoy o`f) ¼d+[k+x½ ¼62-02½ ¼175-15½

o"kZ ds izkjaHk esa udn vkSj udn lerqY; 460-40 635-55

o"kZ ds var esa udn vkSj udn lerqY; 398-38 460-40

55 ¼[k½ udn vkSj udn lerqY; gsrq vuqlwph

fooj.k 2018&19

¼jkf’k ? djksM+ esa½2017&18

¼jkf’k ? djksM+ esa½

gkFk esa udn 0-00 0-00 Hkkjrh; fjtoZ cSad esa 'ks"k 0-05 0-04 cSad ds pkyw [kkrk esa 'ks"k 398-34 460-36 E;wP;qvy QaM esa fuos’k 0-00 0-00 ok;nk fofue; lafonk ij izkIr udn 0-00 0-00 fofue; nj lek;kstu ls iwoZ udn vkSj udn lerqY; 398-38 460-40 fofue; nj ifjorZu dk çHkko&vizkIr ykHk 0-00 0-00 fofue; nj lek;kstu ds ckn udn vkSj udn lerqY; 398-38 460-40


87

Ø- fooj.k 2018&19 2017&18

i½ lkekU; bfDoVh 8]403-91 7]687-69

ii½ vfrfjDr Vh;j 1 iwath & &

iii½ dqy Vh;j 1 iwath ¼i+ii½ 8]403-91 7]687-69

iv½ dqy Vh;j 2 iwath 711-75 552-01

v½ dqy iwath ¼Vh;j 1+ Vh;j 2½ 9]115-66 8]239-70

vi½ dqy tksf[ke Hkkfjr vkfLr;ka ¼vkjMCY;w,½ 56]940-29 44]160-81

vii½ lkekU; bfDoVh vuqikr ¼vkjMCY;w, ds izfr'kr d s rkjS ij lkekU; bfDoVh½ 14-76% 17-41

viii½ dqy Vh;j 1 vuqikr ¼vkjMCY;w, ds izfr'kr ds rkSj ij Vh;j 1 iwath½ 14-76 17-41

ix½ tksf[ke Hkkfjr vkfLr;ksa dh rqyuk esa iwath vuqikr ¼lhvkj,vkj½ 16-01 18-66

x½ ,vkbZ,QvkbZ* esa Hkkjr ljdkj dh 'ks;j/kkfjrk dk izfr'kr 100-00 0-00

xi½ of/kZr bfDoVh iwath dh jkf'k 0-00 0-00

xii½ of/kZr vfrfjDr Vh;j 1 iwath dh jkf'k( ftlesa ls

d½ csfe;knh xSj&lap;h vf/keku 'ks;j ¼ih,ulhih,l½% 0-00 0-00

[k½ csfe;knh _.k foys[k ¼ihMhvkbZ½% 0-00 0-00

xiii½ of/kZr Vh;j 2 iwath dh jkf'k( ftlesa ls 0-00 0-00

d½ _.k iwath foys[k% 0-00 0-00

[k½ csfe;knh lap;h vf/keku 'ks;j ¼ihlhih,l½ 0-00 0-00

x½ ekspuh; xSj&lap;h vf/keku ¼vkj,ulhih,l½ 0-00 0-00

?k½ ekspuh; lap;h vf/keku ¼vkjlhih,l½ 0-00 0-00

la-

%

% %

% %

¼vkjMCY;w, ds izfr'kr ds rkSj ij dqy iwath½

% %

'ks;j

'ks;j

1- rqyu&i= dh rkjh[k ds vuqlkj 'ks;j /kkfjrk iSVuZdsanz ljdkj * 100%*ys[kkadu dh fVIif.k;ksa ds iSjk 41 dk lanHkZ ysa

1-1 iwath i;kZIrrk

ys[kk dh fVIif.k;ksa ds :i esa foÙkh; foojf.k;ksa esa Hkkjrh; fjt+oZ cSad }kjk visf{kr izdVu

¼jkf'k ? djksM+ esa½

*ys[kkadu dh fVIif.k;ksa ds iSjk 41 dk lanHkZ ysa

130

okf"kZd ys[kk

1-2 fuckZ/k vkjf{kr fuf/k;ka ,oa izko/kku

1-2-1 fuckZ/k vkjf{kr fuf/k;ka ,oa izko/kku

fooj.k 2018&19 2017&18ekud vkfLr;ksa ds fy, izko/kku 635-54 231-14

1-2-2 vfLFkj izko/kku

fooj.k 2018&19 2017&18 d½ vfLFkj izko/kku ys[kk esa izkjafHkd 'ks"k 0-00 0-00[k½ ys[kkadu o"kZ esa fd, x, vfLFkj izko/kkuksa dh ek=k 0-00 0-00x½ ys[kkadu o"kZ ds nkSjku vkgj.k }kjk de gqbZ jkf'k 0-00 0-00?k½ vfLFkj izko/kku ys[kk esa o"kZ lekfIr 'ks"k ds lekfIr ij vafre 'ks"k 0-00 0-00

1-3 vkfLr xq.koÙkk ,oa fof’k"V izko/kku

1-3-1 vutZd vfxze

fooj.k 2018&19 2017&18

¼i½ fuoy vfxzeksa dh rqyuk esa fuoy ,uih, ¼%½ 0-00 0-00¼ii½ ,uih, esa mrkj&p<+ko ¼ldy½

¼d½ izkjafHkd 'ks"k 4-61 33-90 ¼[k½ o"kZ ds nkSjku o`f);ka & & ¼x½ o"kZ ds nkSjku dfe;ka 0-42 29-29 ¼?k½ var 'ks"k 4-19 4-61

¼iii½ fuoy ,uih, esa mrkj&p<+ko¼d½ izkjafHkd 'ks"k & & ¼[k½ o"kZ ds nkSjku o`f);ka & & ¼x½ o"kZ ds nkSjku dfe;ka & & ¼?k½ var 'ks"k & &

¼iv½ ,uih, gsrq izko/kkuksa dk mrkj&p<+ko ¼ekud vkfLr;k a s ij ikz o/kkuk a s dk s NkMs d+ j½ & & ¼d½ izkjafHkd 'ks"k 4-61 33-90 ¼[k½ o"kZ ds nkSjku fd, x, izko/kku & & ¼x½ vfrfjDr izko/kkuksa dks cV~Vs [kkrs Mkyuk@izfrys[ku djuk 0-42 29-29 ¼?k½ var 'ks"k 4-19 4-61





131

1-3-2 vutZd fuos’k

fooj.k 2018&19 2017&18 ¼i½ fuoy vfxzeksa dh rqyuk esa fuoy ,uih, ¼%½ & & ¼ii½ ,uih, esa mrkj&p<+ko ¼ldy½

¼d½ izkjafHkd 'ks"k 0-53 0-53 ¼[k½ o"kZ ds nkSjku o`f);ka & & ¼x½ o"kZ ds nkSjku dfe;ka & & ¼?k½ var 'ks"k 0-53 0-53

¼iii½ fuoy ,uih, esa mrkj&p<+ko & & ¼d½ izkjafHkd 'ks"k & & ¼[k½ o"kZ ds nkSjku o`f);ka & &- ¼x½ o"kZ ds nkSjku dfe;ka & & ¼?k½ var 'ks"k & &

¼iv½ ,uih, gsrq izko/kkuksa dk mrkj&p<+ko ¼ekud vkfLr;ksa ij izko/kkuksa & &

¼d½ izkjafHkd 'ks"k 0-53 0-53 ¼[k½ o"kZ ds nkSjku fd, x, izko/kku & & ¼x½ vfrfjDr izko/kkuksa dks cV~Vs [kkrs Mkyuk@izfrys[ku djuk & & ¼?k½ var 'ks"k 0-53 0-53

dks NksM+dj½


fooj.k 2018&19 2017&18 ¼i½ fuoy vfxzeksa dh rqyuk esa fuoy ,uihvkbZ ¼vfxze+fuos'k½ ¼%½ & & ¼ii½ ,uih, esa mrkj&p<+ko ¼ldy vfxze ldy fuos'k½

¼>½ izkjafHkd 'ks"k 5-14 34-43 ¼¥½ o"kZ ds nkSjku o`f);ka & & ¼V½ o"kZ ds nkSjku dfe;ka 0-42 29-29 ¼B½ var 'ks"k 4-72 5-14

¼iii½ fuoy ,uih, esa mrkj&p<+ko¼>½ izkjafHkd 'ks"k & & ¼¥½ o"kZ ds nkSjku o`f);ka & & ¼V½ o"kZ ds nkSjku dfe;ka & & ¼B½ var 'ks"k & &

¼iv½ ,uih, gsrq izko/kkuksa dk mrkj&p<+ko ¼ekud vkfLr;ksa ij izko/kkuksa & &

¼>½ izkjafHkd 'ks"k 5-14 34-43 ¼¥½ o"kZ ds nkSjku fd, x, izko/kku & & ¼V½ vfrfjDr izko/kkuksa dks vifyf[kr djuk 0-42 29-29 ¼B½ var 'ks"k 4-72 5-14

+

dks NksM+dj½

1-3-3 vutZd vkfLr;ka ¼1-3-1+1-3-2½¼jkf'k ? djksM+ esa½

132

okf"kZd ys[kk

iquxZBu

dk izdkj →

lhMhv

kj r

a=

ds r

gr

,l,e

bZ _

.k i

quxZBu

ra= d

s rgr

vkfLr

oxhZd

j.k →

fooj

.k ↓

vU;

ekud

vo

&ekud

lafnX/k

gkfu

dqy

dqy

Ø-la-

1;Fkk foÙk o

"kZ dh 'kq#vkr d

s 0

00

00

00

00

00

02

02

00

20

2

ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

2Ok"kZ ds n

kSjku u

;k iqu

xZBu

m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

00

00

00

00

0

cdk;k jkf'k

00

00

00

00

00

00

00

00

00

00

ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

3foÙk o

"kZ ds n

kSjku i

quxZfBr

m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

00

00

00

00

0

cdk;k jkf'k

00

00

00

00

00

00

00

00

00

00

ml i

j izko/kku

0

00

00

00

00

00

4iqu

xZfBr

ekud

vfxze

ftUgksaus

m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

00

00

00

00

0

5foÙk o

"kZ ds n

kSjku i

quxZfBr

ys[kk m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

00

00

00

00

0

cdk;k jkf'k

00

00

00

00

00

00

00

00

00

00

ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

6foÙk o

"kZ ds n

kSjku i

quxZfBr

ys[kk m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

00

00

00

00

0

cdk;k jkf'k

00

00

00

00

00

00

00

-

0

0 -

0

-

ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

7;Fkk foÙk o

"kZ ds v

ar esa

iquxZfBr

m/kkjd

rkvZk asd

h l[a;

k 0

00

00

00

00

00

02

02

00

20

2

cdk;k jkf'k

00

00

00

00

00

00

20

20

02

02

ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

m/kkjd

rkvZk asd

h l[a;

k

vuql

kj i

quxZfBr

[kkrs

cdk;k jkf'k

00

00

00

00

00

00

1-31

01-31

00

1-31

01-31

¼çkjafHkd v

kdM+sa½

ekud

Js.kh dk mUu;u

foÙk o

"kZ ds l

ekiu

ij mPp

rj

izko/kku

hdj.k vkSj@

vFkok

vfrfjDr

tksf[

ke Hkkj

mfYyf[kr

cdk;k jkf'k

00

00

00

00

00

00

00

00

00

00

dju

k can

dj fn;k gS

vkSj

blhfy

;s v

xys foÙ

k o”

kZ ds 'kq:

esa iqu

xZfBr

ekud

vfxze

ds r

kSj ml i

j izko/kku

0

00

00

00

00

00

00

00

00

00

0

ij fn[

kk;s t

kus v

fuok;Z u

gha g

Sa

dk uhps d

h vksj m

Uu;u

[kkrs ¼vafre

vkd

M+sa+sa½

jkf'k

? djksM+ e

sa

ekud

vo

&ekud

lafnX/k

gkfu

dqy

ekud

vo

&ekud

lafnX/k

gkfu

dqy

ekud

vo

&ekud

lafnX/k

gkfu

dqy

1-3-4iquxZfBr ys[kk dk fooj.k%

*o"kZ ds vkjaHk esa rhu iquxZfBr [kkrksa esa ls nks [kkrks ls 28-73 djksM+ #i;ksa dh olwyh dh x;h rFkk ,d [kkrk can gks x;k ¼;Fkk 30-06-2018 dks cdk;k jkf'k 30-04 djksM+ #i;sa & 28-73 djksM+ #i;sa ? 1-31 djksM+ #i;sa


133

134

okf"kZd ys[kk

1-3-6 cês&[kkrs Mkyuk ,oa olwfy;ka

fooj.k 2018&19 2017&18

;Fkk 1 tqykbZ dks [email protected] cês [kkrs dk izkjafHkd 'ks"k 'kwU; 'kwU;

tksM+sa% o"kZ ds nkSjku [email protected] cês [kkrk Mkyuk 'kwU; 'kwU;

mi tksM+ ¼d½ 'kwU; 'kwU;

?kVk,aa% o"kZ ds nkSjku iwoZ esa [email protected] cês [kkrs Mkys ys[kk ls dh

;Fkk 30 twu ds vuqlkj var 'ks"k ¼d&[k½ 'kwU; 'kwU;

xbZ olwfy;ka ¼[k½ 'kwU; 'kwU;

1-3-7 fons’kh vkfLr;ka] ,uih, ,oa jktLo

fooj.k 2018&19 2017&18 dqy vkfLr;ka 164-25 210-92dqy ,uih, 0-00 0-00dqy jktLo 6-35 4-95

1-3-5 vutZd vkfLr;ksa esa mrkj&p<+ko

fooj.k 2018&19 2017&18ys[kkdau vof/k dh izkjafHkd rkjh[k ds vuqlkj ldy ,uih, ¼izkjafHkd 'ks"k½ 4-61 33-90 o"kZ ds nkSjku o`f);ka ¼ubZ ,uih,½ & & mi tksM+ ¼d½ 4-61 33-90 ?kVk,a%& ¼i½ mUu;u & & ¼ii½ olwfy;ka ¼mUuf;r ys[kkvksa ls dh xbZ olwfy;ksa dks NksM+dj½ 0-42 29-29 ¼iii½ [email protected] cês [kkrs Mkyuk & &

¼iv½ mijksDr ¼iii½ ds varxZr tks vk, gSa muds vykok cês [kkrs Mkyuk & &

mi tksM+ ¼[k½ 0-42 29-29 vxys o"kZ ds 30 twu ds vuqlkj ldy ,uih, ¼var 'ks"k½ ¼d&[k½ 4-19 4-61




1-3-9 izko/kku ,oa vkdfLed O;;

ykHk ,oa gkfu ys[kk esa O;; 'kh"kZd ds varxZr n’kkZ, x, ^izko/kku ,oa 2018&19 2017&18

fuos'k ij ewY;gzkl gsrq izko/kku ¼0-08½ 7-32 vutZd vkfLr;ksa gsrq izko/kku ¼0-42½ 0-00 vk;dj dh fn'kk esa fd, x, izko/kku 493-50 349-31 vkLFkfxr dj dh fn'kk esa fd, x, izko/kku 88-00 67-26 ekud vkfLr;ksa gsrq izko/kku 404-40 26-94 vk;dj vf/kfu;e 1961 dh /kkjk 36¼1½¼viid½¼Xk½ d s vra xrZ Mcw ra dt Z grs q ikz o/kku 78-01 54-44

vkdfLed O;;* dk czsd vi

1-3-10 izko/kkuhdj.k dojst vuqikr ¼ihlhvkj½

fooj.k 2018&19 2017&18 ihlhvkj ¼ldy vutZd vkfLr;ksa dh rqyuk esa izko/kkuhdj.k dk vuqikr½ 100% 100%

1-3-8 fuos’kksa ij ewY;gzkl ,oa izko/kku

fooj.k 2018&19 2017&18

¼1½ fuos'k

¼i½ ldy fuos'k 3]501-60 3]652-32

¼d½ Hkkjr esa 3]501-60 3]652-32

¼[k½ Hkkjr ls ckgj & &

¼ii½ ewY;gzkl gsrq izko/kku 0-53 7-51

¼d½ Hkkjr esa 0-53 7-51


¼iii½ fuoy fuos'k 3]501-07 3]644-81

¼d½ Hkkjr esa 3]501-07 3]644-81


¼2½ fuos'kksa ij ewY;gzkl dh fn'kk esa gq, izko/kkuksa dk mrkj&p<+ko

¼i½ izkjafHkd 'ks"k 7-51 2-93

¼ii½ tksM+sa% bl o"kZ ds nkSjku fd, x, izko/kku ¼6-98½ 4-58

¼iii½ bl o"kZ ds nkSjku fuos'k mrkj&p<+ko izkjf{kr ys[kk ls & &

¼iv½ ?kVk,a% o"kZ ds nkSjku vfrfjDr izko/kkuksa dks cês [kkrs Mkyuk & &

¼v½ ?kVk,a% fuos'k mrkj&p<k+ o ikz jf{kr y[s kk e as vra j.k] ;fn dkbs Z gks & &

¼vi½ var 'ks"k 0-53 7-51

fofu;kstu] ;fn dksbZ gks




135

1-4-2 _.k izfrHkwfr;ksa esa fuos’k gsrq fuxeZdrkZ la?kVu dk izdVhdj.k

1 2 3 4 5 6 7

¼i½ lkoZtfud {ks= ds miØe 0-00 0-00 0-00 0-00 0-00

¼ii½ foÙkh; laLFkk,a 0-00 0-00 0-00 0-00 0-00

¼iii½ cSad 0-00 0-00 0-00 0-00 0-00

¼iv½ izkbosV dkjiksjsV 0-00 0-00 0-00 0-00 0-00

¼v½ lgk;d@la;qDr miØe 0-00 0-00 0-00 0-00 0-00

¼vi½ vU; 0-00 0-00 0-00 0-00 0-00

¼vii½ ewY;gzkl ds fy, /kkfjr 0-00 0-00 0-00 0-00 0-00

dqy 0-00 0-00 0-00 0-00 0-00izko/kku

Ø-la-

1-4 fuos’k iksVZQksfy;ks% xBu vkSj ifjpkyu1-4-1 jsiks ysu&nsu

jsiks ds varxZr csph xbZ izfrHkwfr;ka 'kwU; 'kwU; 'kwU; 'kwU;i. ljdkjh izfrHkwfr;ka 'kwU; 'kwU; 'kwU; 'kwU;ii. dkjiksjsV _.k izfrHkwfr;ka 'kwU; 'kwU; 'kwU; 'kwU;fjolZ jsiks ds varxZr [kjhnh xbZ 'kwU; 'kwU; 'kwU; 'kwU;

i. ljdkjh izfrHkwfr;ka 'kwU; 'kwU; 'kwU; 'kwU;ii. dkjiksjsV _.k izfrHkwfr;ka 'kwU; 'kwU; 'kwU; 'kwU;

izfrHkwfr;k

o"kZ ds nkSjku U;wure cdk;k

¼jkf'k ? djksM+ esa½ o"kZ ds nkSjku

vf/kdre cdk;k

o"kZ ds nkSjku nSfud vkSlr cdk;k

;Fkk 30 twu 2018 ds vuqlkj cdk;k


fuxZedrkZ jkf'k izkbosV IyslesaV dh lhek

fuEu fuos’k Js.kh* izfrHkwfr;ksa dh lhek

^vewY;kafdr* izfrHkwfr;ksa dh lhek

^vlwphc)* izfrHkwfr;ksa dh lhek

136

okf"kZd ys[kk

fiNyk o"kZ

1 2 3 4 5 6 7

¼i½ lkoZtfud {ks= ds miØe 0-00 0-00 0-00 0-00 0-00

¼ii½ foÙkh; laLFkk,a 0-00 0-00 0-00 0-00 0-00

¼iii½ cSad 0-00 0-00 0-00 0-00 0-00

¼iv½ izkbosV dkjiksjsV 0-00 0-00 0-00 0-00 0-00

¼v½ lgk;d@la;qDr miØe 0-00 0-00 0-00 0-00 0-00

¼vi½ vU; 0-00 0-00 0-00 0-00 0-00

¼vii½ ewY;gzkl ds fy, /kkfjr 0-00 0-00 0-00 0-00 0-00

dqy 0-00 0-00 0-00 0-00 0-00izko/kku

Ø-la-


fuxZedrkZ jkf'k izkbosV IyslesaV dh lhek

fuEu fuos’k Js.kh* izfrHkwfr;ksa dh lhek

^vewY;kafdr* izfrHkwfr;ksa dh lhek

^vlwphc)* izfrHkwfr;ksa dh lhek

1-4-3 ifjiDork ds fy, /kkfjr Js.kh esa@ls fcØh ,oa varj.k 93-15 'kwU; ¼fiNyk o"kZ&'kwU;½

Hkkjrh; fjt+oZ cSad }kjk fu/kkZfjr 'krksZ ds vuqlkj foRr o"kZ 2018&19 ds nkSjku 100-50 djksM+ :i;ksa ¼fiNys o"kZ fuoy cgh ewY; 93-07 djksM+ :i;s½ ij [kjhnh xbZ ljdkjh izfrHkwfr;ksa dks ,,Q,l ls ,pVh,e Js.kh esa LFkkukaUrfjr dj fn;k x;kA


137

1-5 [kjhns@csps x, foÙkh; vkfLr;ksa dk C;kSjk

1-5-1 vkfLr iquxZBu gsrq izfrHkwfrdj.k@iquxZBu daiuh dks csps x, foÙkh; vkfLr;ksa dk C;kSjk

d- foØ; dk C;kSjk

fooj.k 2018&19 2017&18

¼i½ [kkrksa dh la- 'kwU; 'kwU;

¼ii½ ,llh@vkjlh dks csps x, ys[kkvksa dh ldy ewY; ¼izko/kkuksa dk fuoy½ 'kwU; 'kwU;

¼iii½ ldy izfrQy 'kwU; 'kwU;

¼iv½ iwoZ ds o"kksZa esa varfjr [kkrksa ds laca/k esa eglwl fd, x, vfrfjDr izfrQy 'kwU; 'kwU;

¼v½ fuoy cgh ewY; ij ldy ykHk@gkfu 'kwU; 'kwU;

[k- izfrHkwfr izkfIr;ksa esa fuos’kksa dh cgh ewY; dk C;kSjk

¼i½ vra fufZ gr d s rkjS ij ,vkb,Z Qvkb Z d s }kjk cps s x, muih, }kjk lefFkrZ 'kwU; 'kwU;¼ii½ varfuZfgr ds rkSj ij cSadksa@vU; foÙkh; laLFkkuksa@xSj&cSafdax foÙkh; 'kwU; 'kwU;

dqy 'kwU; 'kwU;daifu;ksa ds }kjk csps x, ,uih, }kjk lefFkZr

fooj.k

2018&19 2017&18

1-5-2 [kjhns@csps x, vutZd foÙkh; vkfLr;ksa dk C;kSjkd- [kjhns x, vutZd foÙkh; vkfLr;ksa dk C;kSjk

fooj.k 2018&19 2017&18 1- ¼d½ o"kZ ds nkSjku [kjhns x, [kkrksa dh la- 'kwU; 'kwU;

¼[k½ ldy cdk;k 'kwU; 'kwU;2- ¼d½ buesa ls] o"kZ ds nkSjku iquxZfBr [kkrksa dh la[;k 'kwU; 'kwU;

¼[k½ ldy cdk;k 'kwU; 'kwU;

jkf'k ? djksM+ esa

izfrHkwfr izkfIr;ksa esa fuos’k dk cgh ewY;

jkf'k ? djksM+ esa

jkf'k ? djksM+ esa

138

okf"kZd ys[kk

[k- csps x, vutZd foÙkh; vkfLr;ksa dk C;kSjk

fooj.k 2018&19 2017&18 1- csps x, [kkrksa dh la- 'kwU; 'kwU;2- ldy cdk;k 'kwU; 'kwU;3- dqy izkIr izfrQy 'kwU; 'kwU;

1-6 ifjpkyu ifj.kke

fooj.k 2018&19 2017&18 ¼i½ dk;Z'khy fuf/k;ksa esas izfr'kr ds rkSj ij C;kt vk; 7-06% 7-03¼ii½ dk;Z'khy fuf/k;ksa esas izfr'kr ds rkSj ij xSj&C;kt vk; 0-43 0-14¼iii½ dk;Z'khy fuf/k;ksa esas izfr'kr ds rkSj ij ifjpkyu ykHk 2-55 1-97¼iv½ vkfLr;ksa ij fjVuZ 1-04 1-22¼v½ izfr dehZ fuoy ykHk ¼ ? djksM+ esa½ 6-72 6-26

%

% %

% %

% %

1-7 _.k ladsanz.k tksf[ke1-7-1 iwath cktkj ,Dlikstj

¼i½ bfDoVh 'ks;j] ifjorZuh; ckW.M] ifjorZuh; fMcsapj esa izR;{k fuos'k ,oa bfDoVh mUeq[k E;wpqvy QaM ftldk ewy fuf/k dsoy dkWiksZjsV _.k esa fuosf’kr u gks( @

'kwU;

¼ii½ 'ks;[email protected]@fMcsapj ;k vU; izfrHkwfr;ka ;k 'ks;j ¼vkbZihvks@bZ,lvksih lfgr½] ifjorZuh; ckW.M] ifjorZuh; fMcsapj vkSj bfDoVh mUeq[k E;wpqvy QaM esa fuos'k gsrq O;SfDrd dks fucZa/k vk/kkj ij vfxze(

¼iii½ fdlh vU; mÌs'; gsrq vfxze tgka 'ks;j ;k ifjorZuh; ckW.M ;k ifjorZuh; fMcsapj ;k bfDoVh mUeq[k E;wpqvy QaM dh bdkbZ izkFkfed izfrHkwfr ds rkSj ij yh xbZ gks(

¼iv½ 'ks;j ;k ifjorZuh; ckW.M ;k ifjorZuh; fMcsapj ;k bfDoVh mUeq[k E;wpqvy QaM ds laikf'oZd izfrHkwfr ds }kjk izfrHkwfrd`r lhek rd fdlh vU; mÌs'; gsrq vfxze vFkkZr tgka 'ks;j@ifjorZuh; ckW.M@ifjorZuh; fMcsapj@bfDoVh mUeq[k E;wpqvy QaM ds vykok izkFkfed izfrHkwfr ̂iwjh rjg vfxze dks doj ugha djrk gks(

¼v½ LVkWdczkWdj vkSj cktkj fuekZrkvksa dh vksj ls tkjh LVkWdczkWdj vkSj xkjaVh dks izfrHkwfrd`r vkSj vizfrHkwfrd`r vfxze(

'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

¼vi½ lalk/kuksa dks c<+kus dh izR;k'kk esa ubZ daifu;ksa dh bfDoVh esa izorZd ds ;ksxnku dks iwjk djus gsrq 'ks;j@fMcsapj ;k vU; izfrHkwfr;ksa ds vk/kkj ij ;k fucZa/k vk/kkj ij dkWiksZjsV dks Lohd`r _.k(

'kwU; 'kwU;

fooj.k 2018&19 2017&18


139

¼viii½ 'ks;j ;k ifjorZuh; ckW.M ;k ifjorZuh; fMcsapj ;k bfDoVh mUeq[k E;wpqvy QaM ds izkFkfed bZ';w ds laca/k esa ,vkbZ,QvkbZ ds }kjk yh xbZ gkehnkjh izfrc)rk,a(

¼ix½ ekftZu O;kikj gsrq LVkWd czkWdjksa dks foÙkiks"k.k(

¼x½ tksf[ke iwath fuf/k esa lHkh ,Dlikstj ¼iathd`r vkSj xSj&iathd`r nksuksa½

iwath cktkj esa dqy ,Dlikstj

@ dsoy 731-14 djksM+ :- vlwphc) bfDoVh esa cSad dk ,Dlikstj gS

1-7-2 ns'k tksf[ke esa ,Dlikstj

ux.; 164-25 0 210-92 0fuEu 0 0 0 0e/;e 0 0 0 0mPp 0 0 0 0cgqr mPp 0 0 0 0izfrcaf/kr 0 0 0 0vkWQ ØsfMV 0 0 0 0dqy 0 0 0 0

Tkksf[ke Js.kh #;Fkk twu 2019 dks ,Dlikstj ¼fuoy½

# cSadksa esa tksf[ke izca/ku&ns'k tksf[ke izca/ku ij fn'kk&funs'k** ij fnukad 19-02-2003 ds vkjchvkbZ ifji= la- MhchvksMh-chih-chlh-71@21-04-103@2002&03 ds vuqlkj ;s fn'kk&funsZ'k dsoy mu ns'kksa ds laca/k esa ykxw gksrs gSa tgka cSad dk viuh vkfLr;ksa dks 2 izfr'kr ;k vf/kd ,Dlikstj gSA jk-vk-cSad ds ekeys esa] pwafd ,Dlikstj dsoy Hkkjrh; cSadksa ds fons'kh 'kk[kkvksa ¼dsujk cSad&yanu vkSj cSad vkWQ bafM;k&U;w;kWdZ 'kk[kk½ esa tek gS vkSj ;Fkk 30 twu] 2019 ds vuqlkj dqy tek jkf'k dk ewY; 164-25 djksM+ gS tks fd cSad dh dqy vkfLr ds 2 izfr'kr ls de gS] rks fn'kk&funsZ'k jk-vk-cSad ij ykxw ugha gksxkA

'kwU; 'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

'kwU; 'kwU;

¼vii½ izR;kf'kr bfDoVh izokg@bZ';w ij daifu;ksa dks iwjd _.k(

;Fkk twu 2019 dks /kkfjr izko/kku

;Fkk twu 2018 dks ,Dlikstj ¼fuoy½

;Fkk twu 2018 dks /kkfjr izko/kku

jkf'k ? djksM+ esa

140

okf"kZd ys[kk

1-7-3 foosdiw.kZ ,Dlikstj lhek& ,vkbZ,QvkbZ }kjk c<+kbZ xbZ ,dy m/kkjdrkZ lhek ¼,lth,y½@lewg m/kkjdrkZ lhek ¼thch,y½

¼i½ o"kZ ds nkSjku foosdiw.kZ ,Dlikstj lhek ds vfrfjDr ,Dlikstj dh la[;k ,oa jkf’k

1 #'kwU;dqy

Ø-la-

iSu ua-

# pwafd ØsfMV ,Dlikstj gsrq vkjchvkbZ }kjk foosdiw.kZ ekinaM fufnZ"V ugha fd, x, gSaA ;g vkarfjd rkSj ij cksMZ }kjk fu/kkZfjr dh xbZA

m/kkjdrkZ dk uke

m|ksx dksM

m|ksx dk uke

lsDVjfoÙk iksf"kr jkf’k

xSj&foÙk iksf"kr jkf’k

iwath fuf/k dk izfr’kr

jkf'k ? djksM+ esa


141

¼ii½ iwath fuf/k;ksa vkSj dqy vkfLr;ksa esa izfr’kr ds rkSj ij ØsfMV ,Dlikstj %

2018&19 2018&19 2017&18 2017&18&lcls cM+k ,dy m/kkjdrkZ 115-08% 13-88 91-48 11-91&lcls cM+k m/kkjdrkZ lewg 64-97 7-83 85-74 11-17&20 lcls cM+s ,dy m/kkjdrkZ 679-19 81-90 631-74 82-27&20 lcls cM+s m/kkjdrkZ lewg 106-77 12-87 189-34 24-66$ jk-vk-cda S d s ikl dos y ikpa m/kkjdrk Z legw ga S

% % %

% % % %

% % % %

$ % % % %

fooj.k

jkf'k ? djksM+ esa


dwy vkfLr dk izfr’kr


dwy vkfLr dk izfr’kr

¼iii½ dqy _.k vkfLr esa izfr'kr ds rkSj ij ikap lcls cM+s m|ksx lsDVj esa ØsfMV ,Dlikstj%

ykxw ugha

¼iv½ vfxzeksa dh dqy jkf'k ftlds fy, vf/kdj] ykblsal] izkf/kdkj ij izHkkj ds rkSj ij vewrZ izfrHkwfr;ka yh xbZ vkSj ,slh vewrZ laikf’oZd dk vuqekfur ewY; HkhA

'kwU; ¼*ifj;kstuk foÙk ds ek/;e ls vf/kdkjksa] ykblsal] izkf/kdkj ij izHkkj tSls vewrZ izfrHkwfr;ksa ds }kjk izfrHkwr 'kwU; gS] ;Fkk 30-06-2019 rd ljdkjh xkjaVh }kjk izfrHkwr cdk;k jkf'k 92-80 djksM+ :- gS] tcfd 0-13 djksM+ :- cSad xkjaVh }kjk izfrHkwr gS½

¼v½ QSDVfjax ,Dlikstj

(vi) ,Dlikstj tgka ,QvkbZ us o"kZ ds nkSjku foosdiw.kZ ,Dlikstj lhek dks c<+k;k gS(


'kwU;

ykxw ugha

142

okf"kZd ys[kk

1-7-4 m/kkj@_.k lhek] ØsfMV ,Dlikstj vkSj ,uih, dk ladsanz.k

d½ m/kkj vkSj _.k lhek] ØsfMV ,Dlikstj vkSj ,uih, dk ladsanz.k

fooj.k 2018&19 2017&18 chl lcls cM+s _.knkrkvksa ls dqy m/kkj 42]543-56 36]490-86,vkbZ,QvkbZ ds dqy m/kkj esa chl lcls cM+s _.knkrkvksa ls 67-00% 69-26%

m/kkj dk izfr'kr

[k½ ØsfMV ,Dlikstj dk ladsanz.k*

fooj.k 2018&19 2017&18 chl lcls cM+s m/kkjdrkZvksa dks dqy ,Dlikstj 61]912-67 53]048-08,vkbZ,QvkbZ ds dqy vfxze esa ls chl lcls cM+s m/kkjdrkZvksa 89% 90

chl lcls cM+s m/kkjdrkZvksa@xzkgdksa dks dqy ,Dlikstj 61]912-67 53]048-08m/kkjdrkZvksa@xzkgdksa ij ,vkbZ,QvkbZ ds dqy ,Dlikstj esa ls 88% 89

dqy ,Dlikstj esa 'kh"kZ nl ns'kksa ds ,Dlikstj dk dqy ykxw ugha ykxw ugha

%

dks ,Dlikstj dk izfr'kr

%

chl lcls cM+s m/kkjdrkZvksa dks ,Dlikstj dk izfr'kr

jkf'k ? djksM+ esa

jkf'k ? djksM+ esa


143

* jkT; v

kokl

cksMZ] u

xj fuxe] fo

dkl

izkf/kd

j.k v

kSj jkT; ih,l;w 'kkfey

** lgd

kjh v

kokl

foÙk l

kslkbZfV;ka '

kkfey

*** l

kslkbVh v

f/kfu;e ds v

arxZr iat

hd`r ,e

,QvkbZ l

s lacaf/kr

11 okf.

kfT;d Hkw&

lain

k esa ,Dl

ikstj esa izR;{k 'kkfey

gSa okf.kfT

;d Hkw&

lain

k ¼dk;kZy

; Hkou] fj

Vsy t

xg] cgq&

mi;

ksxh o

kf.kfT

;d ifjlj]

cgq&ifjo

kj fj

gk;'kh Hkou] cgq&

fdjk,n

kj okf.

kfT;d ifjlj] v

kS|ksfx

d ;k x

ksnke LFky] g

ksVy] Hkwfe

vf/kxzg.

k] fodkl

,oa fuekZ.k½ i

j ekWVZxst

}kjk izfrHkwr

izfrHkwfrd

`r ,D

likstjA

,Dl

ikstj esa xSj&

fuf/k v

k/kkfj

r ¼,u,

Qch½ l

hek Hkh 'kkfe

y gksxkA

x½ ,D

likstj vkSj ,

uih,

dk lsDVj&

okj ladsanz.k

I.vkokl

{ks=

6971

5-92

4-19

0-01

%57

]580

-18

4-61

0-00

%

1dsanz l

jdkj

0-00

00-00

0-00

0-00

0-00

2dsanzh; i

h,l;w

0-00

00-00

0-00

0-00

0-00

3jkT;

ljd

kjsa

0-00

00-00

0-00

0-00

0-00

4jkT;

ih,l;w*

0-00

00-00

0-00

0-00

0-00

5vuql

wfpr

okf.kfT

;d c

Sad18

315-38

00-00

19]369

-21

0-00

0-00

6{ks=h; x

zkeh.k cSad

753-52

00-00

846-74

0-00

0-00

7lgd

kjh cSad

165-74

00-00

164-70

0-00

0-00

8vkokl

foÙ

k daifu;

ka **

5047

7-09

00-00

37]194

-92

0-00

0-00

9futh {ks= ¼cSad

vkSj v

k-fo-da-

4-19

4-19

100-00

4-61

4-61

100-00

11II

.okf.kfT

;d Hk&wlian

k] ;fn dkbs Z

gk s

93-48

0-00

0-00

%10

8-06

0-00

0-00

III.

vU;

¼d`i;

k fufnZ"V d

jsa½0-00

0-00

%

dqy ¼

I+II

+II

I½69

]809

-40

4-19

0-01

%57

]688

-24

4-61

0-01

%

%%

%%

%%

%%

%%

%%

%%

%%

%%

dks NksM+dj½

***

0-00

0-00

%0-00

0-00

Ø-

la-

2018

-19

2017

-18

¼jkf'k ?

djksM+ e

sa½

lsDVj

dqy

cdk;k vfxze

ldy

,u-ih-,

-

lacaf/kr l

sDVj esa

dqy v

fxze e

sa ls l

dy ,

uih,

dk izfr’kr

dqy

cdk;k vfxze

ldy

,u-ih-,

-lacaf/kr l

sDVj

esa d

qy v

fxze

esa l

s ldy

,uih,

dk

izfr’kr

144

okf"kZd ys[kk

Ø-la- fooj.k 2018&19 2017&18 1 bdkbZ dk uke% jk"Vªh; vkokl cSad2 ;Fkk 30-06-2019 dks fons'kh eqnzk ,Dlikstj ¼,QlhbZ½ 2]180-80* 1365-773 vxys ikap o"kZ dh vof/k esa ifjiDo ;k udn izokg gksus okys 1]371-10 741-92

4 foÙkh; gSt ds }kjk doj dh xbZ jkf'k ¼mijksDr 3 esa ls½ 1]002-88 513-135 Ukspqjy gSt ds }kjk doj dh xbZ jkf'k ¼mijksDr 3 esa ls½ 368-22 228-796 fcuk gSt dk fons'kh eqnzk ,Dlikstj ¼3&4&5½ 0-00 0-00

,QlhbZ ¼mijksDr 2 esa ls½

1-7-5 vkjf{kr fons’kh eqnzk ,Dlikstj

1-8 O;qRiUuh1-8-1 ok;nk nj djkj@C;kt nj LoSi

Ø-la- fooj.k 2018&19 2017&18 1 LoSi djkjksa dh vuqekfud ewy jkf'k 'kwU; 'kwU;2 gkfu;ksa dh ek=k ;fn izfri{k djkj ds rgr vius nkf;Ro dks iwjk 'kwU; 'kwU;

3 LoSi esa izfof"V ij ,vkbZ,QvkbZ }kjk visf{kr laikf'oZd 'kwU; 'kwU;4 LoSi ls mRiUu _.k tksf[kedk ldsanz.k 'kwU; 'kwU;5 LoSi cgh dk mfpr ewY; 'kwU; 'kwU;

djus esa foQy jgrs gSa

1-8-2 fofue; O;kikj C;kt nj O;qRiUuh

Ø-la- fooj.k 2018&19 2017&18

¼i½ o"kZ ds nkSjku fy, x, fofue; O;kikj C;kt nj O;qRifUu;ksa ds 'kwU; 'kwU;

¼ii½ 30 twu dh ;FkkfLFkfr ds vuqlkj fofue; O;kikj C;kt nj 'kwU; 'kwU;

¼iii½ fofue; O;kikj C;kt nj O;qRiUuh cdk;k dh vkuqekfud ewy 'kwU; 'kwU;

¼iv½ fofue; O;kikj C;kt nj O;qRiUuh cdk;k dh cktkj&nj&cktkj 'kwU; 'kwU;

vkuqekfud ewy jkf'k ¼fyf[kr&okj½

O;qRiUuh cdk;k dh vkuqekfud ewy jkf'k ¼fyf[kr&okj½

jkf'k vkSj ^^mPp izHkkoh** ugha ¼fyf[kr&okj½

ewY; vkSj ^^mPp izHkkoh** ugha ¼fyf[kr&okj½




*cSad vkWQ bafM;k] dsujk cSad RkFkk ,fDte cSad esa tekvksa lfgr


145

* pwafd ihohchih dh x.kuk frekgh vk/kkj ij dh tkrh gS] vf/kdre ,oa U;wure ewY; frekgh vk/kkj ls yh tkrh gSA

1-8-3 O;qRiUuksa ij tksf[ke mn+Hkklu ij izdVu

?cSad ds ikl funs'kd eaMy }kjk vuqeksfnr O;qRiUu dh uhfr gS] tks cSad ds O;kolkf;d y{;ksa ds vuq:i O;qRiUu mRiknk as d s i;z kxs dh vueq fr nrs h gAS uhfr u s cgrq ofj"B Lrj ij gh LoiS e as ioz 's k d s fy, 'kfDr;k a iRz ;k;kfs tr dh gAaS

?izfri{k mn~Hkklu lhek,a izR;sd izfri{k ds fy, fu/kkZfjr lexz lhekvksa ds rgr gSaA LoSi ds _.k lerqY; dh lax.kuk Hkkjrh; fjtoZ cSad }kjk ;Fkkfu/kkZfjr pkyw mn~Hkklu fof/k ds vuqlkj dh tkrh gSA

?cSad ds ikl vko';d lajpuk gS] tgka dk;Z lqifjHkkf"kr gSa vFkkZr ÝaV vkWfQl] cSd vkfQl vkSj feM vkfQlA

?LoSi dh fLFkfr dh fujarj fuxjkuh dh tkrh gSA ,,ylhvks lkIrkfgd vk/kkj ij fLFkfr dh leh{kk djrs gSa( cdk;k fLFkfr ds ewY;kaduksa dh ekfld vk/kkj ij leh{kk dh tkrh gSA blds vfrfjDr] funs'kd eaMy dks LoSi ds ewY;kadu lfgr frekgh vk/kkj ij fLFkfr ls voxr djk;k tkrk gSA

?cSad viuh ifjlaifRr;ksa@ns;rkvksa dh izfrj{kk rFkk ykxr de djus ds fy, izeq[k :i ls foRrh; O;qRiUu ysu&nsuksa dk iz;ksx djrk gSA cSad bl le; C;kt nj tksf[keksa ds izca/ku ds fy, dsoy Iysu oSfuyk vksoj&fn dkmaVj ¼vksVhlh½ C;kt nj vkSj eqnzk O;qRiUuksa esa dkjZokbZ djrk gSA cSad ,sls csapekdZ dk iz;ksx djsxk] tgka ewY;fu/kkZj.k ikjn'khZ gS vkSj tks Hkkjrh; fjtoZ cSad }kjk vuqeR; gSA

?LoSi ij C;kt ds fofue; dk fglkc izksn~Hkou vk/kkj ij j[kk tkrk gSA

¼i½ xq.kkRed izdVu%

1-9 ,vkbZ,QvkbZ ds }kjk tkjh ysVj vkWQ dEQVZ ¼,yvkslh½ dk izdVhdj.k 'kwU;

146

okf"kZd ys[kk

¼ii½ ek=kRed izdVu%

¼i½ O;qRiUu ¼vkuqekfud ewy jkf'k½d½ izfrj{k.k ds fy, 1972-52 0 1185-17 0[k½ O;kikj ds fy, 0 0 0 0

¼ii½ cktkj dh fLFkfr dks fpfUgr [1]

d½ ifjlaifRr ¼+½ 0 88-76

[k½ ns;rk,a ¼&½ 5-48 0 0

¼iii½ _.k mn~Hkklu [2] 144-13 0 96-36 0

¼iv½ C;kt nj esa ,d izfr'kr ifjorZu dk 0 0

d½ izfrj{k.k O;qRiUuksa ij

¼v½ o"kZ ds nkSjku ns[kk x;k 100*ihoh 01 0 0

laHkkfor izHkko ¼100*ihoh01½71-70 0 44-71 0

[k½ O;kikj O;qRiUuksa ij 0 0

dk vf/kdre vkSj U;wured½ izfrj{k.k ij 75-19@41-13 0 48-06@32-90 0[k½ O;kikj ij

Ø-la-2018-19 2017-18

jkf'k ? djksM+ esa

fooj.keqnzk O;qRiUu

C;kt nj O;qRiUu eqnzk O;qRiUu

C;kt nj O;qRiUu

2017

-18

1-10

vkfLr

ns;rk izca/ku

2018

-19

fooj

.k1

ls

14 fnu

15 l

s 28

fnu

29 fnu l

s 3

eghus

3 eghus l

s vf/kd

ls

6 eg

hus r

d

6 eghus l

s vf/kd

ls

1 lky

rd

1 lky

ls

vf/kd

ls

3 lky

rd

3 lky

ls

vf/kd

ls

5 lky

rd

5 lky

ls

vf/kd

dqy

¼jkf'k ?

djksM+ e

sa½

tek,a

10-08

1

-49

899-78

1

]119

-16

2]013

-51

16]05

5-73

1

0]75

5-12

9

]744

-88

40]59

9-75

vfxze

2]754

-53

&

1-23

2]399

-73

6]174

-68

24]34

5-67

1

4]44

7-33

19

]682

-03

69]805

-21

fuos'

k 3

29-49

244

-94

689

-19

868

-08

545

-08

&

& 8

24-29

3]501

-07

m/kkj

7]160

-64

&

2]958

-22

17-30

2

0-80

6

]126

-00

1]025

-99

3]647

-05 2

0]95

5-99

fons'

kh eqn

zk &

&

4

-26

25-31

3

0-59

1

33-11

24-64

2

1-91

2

39-82

fons'

kh eqn

zk &

&

22-50

9

0-74

1

14-12

561

-45

339

-81

812

-36

1]940

-98

vkfL

r;ka

ns;rk,a

¼jkf'k ?

djksM+ e

sa½

fooj

.k1

ls

14 fnu

15 l

s 28

fnu

29 fnu l

s 3

eghus

3 eghus l

s vf/kd

ls

6 eg

hus r

d

6 eghus l

s vf/kd

ls

1 lky

rd

1 lky

ls

vf/kd

ls

3 lky

rd

3 lky

ls

vf/kd

ls

5 lky

rd

5 lky

ls

vf/kd

dqy

tek,a

10-40

2-93

770-68

770-64

1]54

9-74

9]57

7-97

14]511

-98

9]00

0-00

36]194

-34

vfxze

1]06

4-72

2-39

3-10

1]98

9-48

3]67

8-30

20]349

-91

14]934

-44

15]661

-28

57]683

-62

fuos'

k1]03

1-06

0-00

753-20

994-03

0-00

0-00

0-00

866-52

3]64

4-81

m/kkj

7]26

8-68

0-00

0-00

0-00

2-61

0-00

0-00

0-00

7]27

1-29

fons'

kh eqn

zk 0-00

0-00

3-84

23-62

28-39

123-50

79-86

34-55

293-76

fons'

kh eqn

zk 0-00

0-00

11-41

90-84

103-06

391-82

162-76

605-88

1]36

5-77

vkfL

r;ka

ns;rk,a


147

vkjf{kr fuf/k;ksa ls vkgj.k }kjk deh 2018 19 2017 18 'kwU; 'kwU; 'kwU;

- -2

2018 19 2017 18 bfDoVh ij fjVuZ 9-10% 10-25vkfLr;ksa ij fjVuZ 1-04 1-22

izfr dehZ fuoy ykHk ¼?djksM+ esa½ 6-72 6-26

- -

%

% %

4 Hkkjrh; fjtoZ cSad }kjk yxk, x, vFkZnaM dk izdVu 'kwU;

5 f’kdk;rksa dk izdVu¼d½ xzkgd f’kdk;rsa

3 dkjksckjh vuqikr

2018-19 2017-18

¼d½ o"kZ ds izkjaHk esa yafcr f'kdk;rksa dh la[;k 1 1¼[k½ o"kZ ds nkSjku izkIr f'kdk;rksa dh la[;k 22 105¼x½ o"kZ ds nkSjku fuokfjr f'kdk;rksa dh la[;k 22 105¼?k½ o"kZ ds var esa yafcr f'kdk;rksa dh la[;k 1 1

6 rqyui=srj ,lihoh izk;ksftr ¼ftls ys[kkadu ekunaM ds vuqlkj lesfdr djus dh t:jr gksxh½

izk;ksftr ,lihoh dk uke

?kjsyw fons’kh'kwU; 'kwU;

7 fof’k"V ys[kkadu ekudksa ds vuqlkj izdVu

7-1 Yks[kkadu ekud 5& vof/k] vof/k iwoZ enksa gsrq fuoy ykHk ;k gkfu vkSj ys[kkadu uhfr;ksa esa cnyko

2018-19 2017-18

@ 0.05 8.07

vof/k iwoZ O;; 0.24 0.87

vof/k iwoZ vk;@


148

okf"kZd ys[kk

@ ys[kkadu dh fVIif.k;ksa ds iSjk 27 dk lanHkZ ysa

7-3 Yks[kkadu ekud 18& lacaf/kr i{k izdVu

d`i;k ys[kkadu ij fVIif.k;ksa ds iSjk la- 20 dk lanHkZ ysa

2018&19 2017&18 vifj'kksf/kr isa'ku ,oa minku ns;rk,a 'kwU; 'kwU;

8


7-2 Yks[kkadu ekud 17& oxhZdj.k fjiksfVZaxd`i;k ys[kkadu ij fVIif.k;ksa ds iSjk la- 19 dk lanHkZ ysa


QeZ iath- la- 00113,u@,u500079a

g@&¼MkW- Mh-,l- jkor½

HkkxhnkjlnL;rk la- 083030

le rkjh[k dks gekjs layXu fjiksVZ ds vuqlkj


g@&eksfgr dkSy

lgk;d egkizca/kd

g@&jkds'k voLFkh



dk;Zikyd funs'kd


g@&iadt tSufuns'kd


149

30 twu] 2019 dks lekIr foÙkh; o"kZ gsrq ys[kk ijh{kk ;ksX;rk ds çHkko ij fooj.k[lsch ¼,yvksMhvkj½ ¼la'kks/ku½ fofu;eu] 2016 dk fofu;e 33@52 ns[ksa]

I. Ø-la-

fooj.kys[kk ijh{kd vkadM+s¼tSlk fd ;ksX;rk gsrq lek;kstu ds i'pkr fjiksVZ fd;k x;k½

1- VuZvksoj@dqy vk; 527]554-84 527]554-842- dqy O;; 347]916-98 347]916-983- fuoy ykHk@¼gkfu½ 73]297-10 73]297-104- çfr 'ks;j vtZu & &5- dqy vkfLr;ka 7]559]778-21 7]559]778-216- dqy ns;rk 7]559]778-21 7]559]778-217- fuoy ekfy;r 840]390-75 840]390-758- dksbZ vU; foÙkh; en¼ensa½ ¼tSlk fd & &

çca/ku }kjk mfpr le>k tk;ss½

ys[kk ijh{kk ;ksX;rk ¼vyx ls çR;sd ys[kk ijh{kk ;ksX;rk½%II.

d- ys[kk ijh{kk ;ksX;rk dk fooj.k % ;ksX;rk ugha[k- ys[kk ijh{kk ;ksX;rk dk çdkj % ykxw ughax- ;ksX;rk dh vko`fÙk % ykxw ugha?k- ys[kk ijh{kk ;ksX;rk ¼;ksX;rkvksa½ gsrq tgk¡ çHkko dh ek=k ys[kk ijh{kd] çca/ku dh jk; }kjk fu/kkZfjr dh

tkrh gS % ykxw ughaM+- ys[kk ijh{kk ;ksX;rk ¼;ksX;rkvksa½ gsrq tgk¡ çHkko dh ek=k ys[kk ijh{kd }kjk fu/kkZfjr dh tkrh gS % ykxw

ugha¼i½ ys[kk ijh{kk ;ksX;rk ds çHkko ij çca/ku dk vuqeku % ykxw ugha¼ii½ ;fn çca/ku çHkko dk vuqeku yxkus esa vleFkZ gS rks mä dk dkj.k crk,a % ykxw ugha¼iii½ mi;qZä ¼ii½ ds ¼ii½ ij ys[kk ijh{kd dh fVIif.k;ka % ykxw ugha

III. gLrk{kjh%

jkds'k voLFkh] eq[; foÙkh; vf/kdkjh g@&,l ds gksrk] çca/k funs'kd g@&iadt tSu] ys[kk ijh{kk lfefr v/;{k g@&M‚ Mh-,l-jkor] lk>snkj] lnL;rk la- 083030] caly ,aM da-,y,yih] lunh ys[kkdkj] QeZ iathdj.k la- 001113,u@,u500079 g@&LFkku % ubZ fnYyhfnukad% 22 vxLr] 2019

` yk[k esays[kk ijh{kd vkadM+s¼tSlk fd ;ksX;rk gsrq lek;kstu ds i'pkr fjiksVZ fd;k x;k½

150

okf"kZd ys[kk

jk"Vªh; vkokl cSad

(tqykbZ] 2018 ls twu] 2019)(fo'ks"k fuf/k)

okf"kZd ys[kk2018-19


61-82 1- fo'ks"k fuf/k ¼efyu cLrh l/q kkj vkjS fuEu ykxr vkokl fuf/k½ 61-822- fjto%

23-31 ¼i½ vk;dj vf/kfu;e 1961 dh /kkjk 36¼i½ 24-90

¼vii½ ds vuqlkj fo'ks"k fjtoZ

3-00 ¼ii½ fuos'k ?kV&c<+ fjtoZ 3-00

360-87 ¼iii½ vkjf{kr fuf/k & ohMh,l 377-28 405-183- ykHk vkSj gkfu ys[kk%

12-33 tksM+% ykHk vkSj gkfu ys[kk esa varfjr ykHk 16-41

0-00 tksM+% vk;dj vf/kfu;e 1961 dh /kkjk 36¼1½ ¼viii½ ds varxZr fo'ks"k fjtoZ ls varj.k

12-33 ?kVk,a% vkjf{kr fuf/k esa varfjr& ohMh,l 16-41 0-004- pkyw ns;rk,a vkSj çko/kku%

112-09 ¼i½ vk;dj ds fy, çko/kku 123-09

0-81 ¼ii½ ekud ifjlaifÙk;ksa ds fy, çko/kku 0-71

18-29 ¼iii½ vk; dj vf/kfu;e] 1961 dh /kkjk 36¼i½¼viid½ 20-14 ¼x½ ds v/khu v'kks/; _.kksa ds fy, çko/kku

50-00 ¼iv½ vU; 50-00 193-947-52 5- vLFkfxr dj ns;rk, 7-93 637-71 dqy 668-87

¼efyu cLrh lq/kkj vkSj rqyu i=½ jk"Vªh; vkokl cSad

ns;rk,a¼jkf'k ? djksM+ esa½

fiNyk o"kZ

0-08 1- ekud vkfLr;ksa ds fy, çko/kku ¼0-10½1-18 2- vk; dj vf/kfu;e] 1961 dh /kkjk 36¼i½¼viid½ 1-85

0-78 3- vLFkfxr dj 0-417-20 4- vk; dj ds fy, çko/kku 11-0014-36 5- vxzsuhr ykHk dk 'ks"k 18-0023-60 dqy 31-162-02 6- vk; dj vf/kfu;e] 1961 dh /kkjk 36¼i½¼viid½ ds 1-59 12-34 7- rqyu i= dk vxzsuhr 'ks"k 16-4114-36 dqy 18-00

¼x½ ds v/khu v'kks/; vkSj lafnX/k _.kksa ds fy, çko/kkua

vuqlkj fo'ks"k vkjf{kr fuf/k esa varj.k

O;;ykHk vkSj gkfu ys[kk

pkyw o"kZ

?@&

vkj-ds- vjfoan{ks=h; izca/kd

?@&

eksfgr dkSylgk;d egkizca/kd

?@&

jkds'k voLFkheq[; foÙkh; vf/kdkjh

g@&MkWW& v'ouh dqekj f=ikBh

dk;Zikyd funs'kd

g &,l-ds- gksrk çca/k funs'kd

@ g &iadt tSufuns'kd

@


152

okf"kZd ys[kk

1- udn vkSj cSad 'ks"k%0-04 pkyw [kkrk 0-04

2- fuos'k ¼ykxr ;k cktkj ewY; ij tks Hkh de gks½%399-73 jktdks"kh; fcy 458-39

3- _.k vkSj vfxze%108-21 çR;{k _.k 94-070-72 ?kVk,a% vuqI;ksT; vkfLr;ksa ds fy, çko/kku 0-72 93-35

4- vU; ifjlaifÙk;ka%0-01 ¼i½ cSad tekjkf'k;ksa ij çkI; C;kt 0-014-75 ¼ii½ fuos'kksa ij çkI; C;kt 2-52

104-06 ¼iii½ vfxze dj vkSj VhMh,l a104-0621-63 ¼iv½ lkekU; fuf/k ls çkIr jkf'k 10-50 117-09

ykHk vkSj gkfu [kkrk30 twu] 2019 dks fuEu ykxr vkokl fuf/k ¼jkf'k ? djksM+ esa½

fiNyk o"kZ O;; pkyw o"kZ

fnukad 30 twu] 2019 dks lekIr o"kZ ds fy,

11-06 1- _.kksa vkSj vfxzeksa ij C;kt 7-6812-49 2- fuos'kksa ls vk; 23-480-05 3- çko/kku vc visf{kr ugha 0-00

23-60 dqy 31-1612-34 4- uhps ykbZ xbZ ykHk dh 'ks"k jkf'k 16-41

2-02 5- vk; dj vf/kfu;e] 1961 dh /kkjk 36¼i½¼viii½ lanHkZ esa fo'ks"k vkjf{kr 1-59

14-36 dqy 18-00fuf/k ls varj.k

ys[kk dk Hkkx gksus okyh fVIif.k;ka1- fo'ks"k fuf/k dk rqyui= rFkk ykHk gkfu ys[kk jk"Vªh; vkokl cSad ¼efyu cLrh lq/kkj vkSj fuEu ykxr vkokl fuf/k½ fofue;] 1993 ds mica/kksa ds vuqlkj

rS;kj fd;k x;k gSaa

2- jk"Vªh; vkokl cSad ¼efyu cLrh lq/kkj vkSj fuEu ykxr vkokl fuf/k½ jk"Vªh; vkokl cSad LoSfPNd tek Ldhe ¼ohMh,l½ ds vuqlkj LoSfPNd :Ik ls fdlh Hkh O;fDr }kjk tek dh xbZ jkf'k dk 40 izfr'kr iznf'kZRk djrk gSA

3 cSad] LVkQ O;; vkSj vU; ifjpkyu O;;] fo'ks"k fuf/k [kkrs ls izHkkfjr ugha djrk gSA

fiNyk o"kZ O;; pkyw o"kZ


153

le frfFk dks layXu gekjh fjiksVZ ds vuqlkj d`rs clay ,aM da] ,y,yih

pkVZMZ vdkmaVsaVg@&

¼MkW- Mh-,l- jkor½Hkkxhnkj] lnL;rk la- 083030

637-71 dqy 668-87


vuqca/k

vuqca/k I

o"kZ 2018&19 ¼1 vizSy ls 31 ekpZ½ ds nkSjku vkokl foÙk daifu;ksa ,oa lkoZtfud {ks= ds cSadksa dks oS;fDrd vkokl _.k

lzksr% vkokl foÙk daifu;ksa ,oa lkoZtfud {ks= ds cSadksa ls jk”Vªh; vkokl cSad }kjk laxzfgr MkVk

vuqca/k II

o"kZ 2018&19 ds nkSjku jk-vk-cSad }kjk laxzfgr fuoy lalk/ku ¼1tqykbZ ls 30 twu½

156

vuqca/k

Ø-la-

jkf’k&okj oS;fDrd vkokl _.k

laforj.k

jkf’k

¼?djksM+ esa½

dqy dk %

bdkbZ;ksa dh la[;k

1 2 yk[k rd 3]147 1 3]39]172 9

2 > ?2 yk[k ls ?5 yk[k 7]315 2 3]30]726 8

3 > ?5 yk[k ls ?10 yk[k 31]331 7 7]39]178 19

4 > ?10 yk[k ls 25 yk[k 1]35]048 29 14]94]375 38

5 > ?25 yk[k 2]83]731 62 9]89]307 256 dqy 4]60]572 100 38]92]758 100

≤≤≤

dqy dk %

Ø- la Lkk/ku jkf’k ¼? djksM esa+½

1 dj ;ksX; ckaM 5]9872 okf.kfT;d i= 2]9553 vYidkfyd _.k 4]5054 ,,p,Q ds rgr tek 7]5005 fons'kh m/kkj 905

dqy ¼yxHkx½ 21]852

vuqca/k III

;Fkk 30-06-2019 dks cdk;k lalk/ku

vuqca/k IV

o"kZ 2018&19 ds nkSjku iqufoZÙk laforj.k & laLFkku Js.kh&okj

157

jkf'k ? djksM+ esa


Ø- la Lkk/ku jkf’k ¼? djksM+ esa½

1 dj eqDr ckW.M 4]6412 fo'ks"k J`a[kyk ckW.M 1633 iwath vfHkykHk ckW.M 34 vU; ckW.M 6]0375 okf.kfT;d i= 2]9556 tek dh ,ot esa _.k 07 vYidkfyd _.k 4]5058 Hkk-fj-cSad ls m/kkj 09 fons'kh m/kkj 1]94110 xzkeh.k vkokl fuf/k 22]50011 'kgjh vkokl fuf/k 10]50012 fdQk;rh vkokl fuf/k 7]50013 lqfuf/k lkof/k tek 7814 lqo`f) lkof/k tek 2215 VhvkjbZih 2]655

dqy ¼yxHkx½ 63]500

Ø- la laLFkku Js.kh 2016-17 2017 18 2018 191 vkokl foÙk daifu;ka 16]779 11]508 21]7362 vuqlwfpr okf.kfT;d cSad 5]696 13]283 3]3003 vU; 209 130 141

dqy 22]684 24]921 25]177

- -

vuqca/k Vo"kZ 2018&19 ds nkSjku fd, x, iqufoZÙk laforj.k& ;kstuk&okj

vuqca/k VI

o"kZ 2018&19 ds nkSjku fd, x, iqufoZÙk laforj.k& oS;fDrd vkokl _.k jkf’k&okj

vuqca/k VII

30 twu] 2019 rd lap;h iqufoZÙk laforj.k

158

vuqca/k

Ø& la laLFkku Js.kh fu;fer fdQk;rh fdQk;rh 'kgjh& dqyvkokl fuf/k vkokl fuf/k fuEu vk;& 'kgjh &xzkeh.k vkokl

1 vkokl foÙk daifu;ka 15]118 6]074 520 24 21]7362 vuqlwfpr okf.kfT;d cSad 2]340 610 350 0 3]3003 vU; 0 50 91 0 141

dqy 17]458 6]734 961 24 25]177

Ø-la- jkf'k&okj vkokl _.k jkf'k ¼?djksM+ esa½ dqy dk % bdkbZ;ksa dh la[;k dqy dk %

1 ?2 yk[k rd 1]029 4 2]10]624 52

2 >?2 yk[k ls ?5 yk[k 698 3 20]833 5

3 ?5 yk[k ls ?10 yk[k 3]306 13 53]033 13

4 ?10 yk[k ls 15 yk[k 5]628 22 49]184 12

5 ?15 yk[k ls 20 yk[k 6]313 25 39]109 10

6 ?20 yk[k ls 25 yk[k 4]376 17 21]818 5

7 ?25 yk[k 3]827 15 13]693 3dqy 25]177 100 4]08]294 100

? ≤

> ≤

> ≤

> ≤

> ≤

>

Ø- la laLFkku Js.kh jkf’k ¼?djksM+ esa½ dqy dk

1 vkokl foÙk daifu;ka 1]19]834 512 vuqlwfpr okf.kfT;d cSad 1]11]636 473 {ks=h; xzkeh.k cSad 2]066 14 vU; ¼lgdkfjrk lfgr½ 3]168 1

dqy 2]36]704 100

%

jkf'k ? djksM+ esa

vuqca/k VIII

iqufoZÙk cdk;k

vuqca/k IX

xzkeh.k vkokl fuf/k laforj.k

159


jkf'k ? djksM+ esa

jkf'k ? djksM+ esa

Ø- la laLFkku Js.kh 30-06 2015 30 06 2016 30 06 2017 30 06 2018 30 06 20191 vkokl foÙk daifu;ka 34]300 29]735 40]312 38]146 50]1452 vuqlwfpr okf.kfT;d cSad 18]575 22]045 13]276 19]524 18]0103 vU; 1]156 1]284 1]217 1]055 940

dqy 54]031 53]064 54]805 58]725 69]095

- - - - - - - - -

2008-09 1]778 1]545 0 202 15 1]761 95]5772009 10 2]000 1]795 0 185 36 2]016 70]9952010 11 2]000 1]688 182 134 0 2]004 42]8592011 12 3]000 2]126 721 143 13 3]003 1]26]7952012 13 4]000 1]940 1]802 285 0 4]027 3]56]4802013 14 6]000 2]326 1]023 94 0 3]444 5]35]2992014 15 8]000 2]101 2]599 220 0 4]920 2]74]9242015 16 0 2]943 439 370 0 3]752 58]4332016 17 4]500 3]482 918 155 0 4]556 3]36]8042017 18 0 894 933 1 0 1]828 49]2672018 19* 0 0 0 0 0 0 0dqy 31]278 20]839 8]619 1]789 64 31]311 19]47]433

----------

o"kZ vkcaVumi;ksfxrk

vkokl foÙk daifu;ka

*foÙk o"kZ 2018&19 ls] vkj,p,Q vkSj ;w,p,Q dks ,,p,Q esa foy; dj fn;k x;k gS

vuqlwfpr okf.kfT;d

cSad

{ks=h; xzkeh.k cSad

vU; dqy bdkbZ;ksa dh la[;k

vuqca/k X

'kgjh vkokl fuf/k laforj.k

*foÙk o"kZ 2018&19 ls] vkj,p,Q vkSj ;w,p,Q dks ,,p,Q esa foy; dj fn;k x;k gS

vuqca/k XI

fdQk;rh vkokl fuf/k laforj.k

160



vuqlwfpr okf.kfT;d

cSad

{ks=h; xzkeh.k cSad


2018 19 7]500 6]594 960 91 50 7]695 1]37]176dqy 7]500 6]594 960 91 50 7]695 1]37]176

-

vuqca/k

jkf'k ? djksM+ esa

jkf'k ? djksM+ esa



vuqlwfpr okf.kfT;d

cSad

{ks=h; xzkeh.k cSad


2013-14 2]000 129 744 0 0 873 18]3102014 15 4]000 902 2]769 0 30 3]700 1]26]3732015 16 0 94 1]256 33 0 1]383 28]2512016 17 3]000 1]896 278 4 50 2]228 20]2382017 18 1]500 1]649 538 79 50 2]316 21]3992018 19* 0 0 0 0 0 0 0dqy 10]500 4]670 5]584 116 130 10]500 2]14]571

-----

vuqca/k XII

ifj;kstuk foÙk ds rgr laforj.k & o"kZ&okj

vuqca/k XIII

o"kZ 2018&19 esa vkokl foÙk daifu;ka ftudks iathdj.k izek.k= iznku fd;k x;k

161


jkf'k ? djksM+ esa

o"kZ laforj.k lap;h laforj.k2005&06 365 1]0232006&07 172 1]1952007&08 449 1]6442008&09 35 1]6792009&10 52 1]7312010&11 312 2]0432011&12 64 2]1072012&13 93 2]2002013&14 34 2]2342014&15 & 2]2342015&16 97 2]3312016&17 75 2]4062017&18 & 2]4062018&19 & 2]406

Ø-la- vk-fo-da- uke iathdj.k izek.ki= tkjh djus dh frfFk

1- bZt+h gkse Qkbusal fyfeVsM 31-tqykbZ 18

2- lfLork gkse Qkbusal çkbosV fyfeVsM 31 tqykbZ 18

3- ojk'kfDr gkmflax Qkbusal izkbosV fyfeVsM 28 tuojh 19

4- dSfiVy bafM;k gkse yksu fyfeVsM 07 Qjojh 19

5- ukU;lqjHkh vQksMsZcy gkmflax Qkbusal fyfeVsM 15 ebZ 19

6- baMh gksefQu çkbosV fyfeVsM 15 ebZ 19

7- vge gkmflax Qkbusal izkbosV fyfeVsM 17 twu 19

-

- -

- -

- -

- -

- -

- -

vuqca/k XIV

cSad }kjk bfDoVh fgLlsnkjh dh fcØh

vuqca/k XV

;Fkk 30 twu] 2019 dks vuqlwfpr tkfr] vuqlwfpr tutkfr rFkk vU; fiNM+s o"ksaZ dk çfrfuf/kRo

*fVIi.kh % Åij n'kkZ, vf/kdkfj;ksa dh uQjh esa ,eMh ,aM lhbZvks] bZMh vkSj lhohvks 'kkfey ugha gSaA#jk-vk-cSad esa vkj{k.k dsoy lh/kh HkrhZ ds fy, ykxw gS ,oa mPp inksa ij vf/kdkjh dh inksUufr esfjV vk/kkj ij dh tkrh gS ¼p;u fof/k½

162

vuqca/k

Ø-la-

1- ,lthvkj,y 5-48% ? 2-11 djksM+lsok E;wP;qvy csusfQV VªLV ¼,l,echVh½

?4-62 20 ekpZ] 2019

,evkj,p,Q,y 11-00% ? 33-22 djksM+efgaæk ,aM efgaæk Qkbusal lfoZfll fyfeVsM ¼,e,e,Q,l,y½

2- ?286-78 26 vçSy] 2019

vk-fo-da- uke

bfDoVh 'ks;j/kkfjrk

fuos'kksa dh la[;k

Ø; çorZd dk uke

varokZg ¼djksM+ :i;s esa½

varokZg dh frfFk

xzqi dkfeZdksa dh la[;k fiNys dSysaMj o"kZ ds nkSjku gq, fu;qfDr;ksa dh la[;k

lh/kh HkrhZ }kjk inksUufr }kjk # vU; i)fr }kjk

dqy vkschlh

1 2 3 4 5 6 7 8 9 10 11 12 13 14

xzqi , 109* 13 04 29 -

dqy 109 13 04 29

- - - - - - - -

- - - - - - - - -

,llh ,lVh dqy vkschlh ,llh ,lVh dqy vkschlh ,llh ,lVh dqy

vuqca/k XVI & tuojh&ekpZ] 2019 frekgh gsrq 'kgj&okj ,pihvkbZ @ vkdyu ewY;

163


vgenkckn 100 105 114 116 120 5.0 8.6 1.8 3.4 20.0

cSaxyq# 99 102 109 110 114 3.0 6.9 0.9 3.6 15.2

fHkokM+h 99 103 112 113 121 4.0 8.7 0.9 7.1 22.2

Hkksiky 101 101 103 104 102 0.0 2.0 1.0 -1.9 1.0

Hkqous'oj 100 102 105 107 111 2.0 2.9 1.9 3.7 11.0

100 102 105 108 107 2.0 2.9 2.9 -0.9 7.0

pkdu 100 103 104 105 97 3.0 1.0 1.0 -7.6 -3.0

paMhx<+ ¼VªkbflVh½ 100 104 104 106 105 4.0 0.0 1.9 -0.9 5.0

psUubZ 100 101 101 102 105 1.0 0.0 1.0 2.9 5.0

dks;EcVwj 100 101 106 110 119 1.0 5.0 3.8 8.2 19.0

nsgjknwu 99 100 102 107 105 1.0 2.0 4.9 -1.9 6.1

fnYyh 100 99 98 98 98 -1.0 -1.0 0.0 0.0 -2.0

Qjhnkckn 100 100 102 102 100 0.0 2.0 0.0 -2.0 0.0

xka/khuxj 99 106 111 115 119 7.1 4.7 3.6 3.5 20.2

xkft;kckn 99 100 101 104 108 1.0 1.0 3.0 3.8 9.1

xzsVj uks,Mk 101 102 103 104 104 1.0 1.0 1.0 0.0 3.0

xq:xzke 100 100 101 102 102 0.0 1.0 1.0 0.0 2.0

xqokgkVh 100 101 103 105 112 1.0 2.0 1.9 6.7 12.0

gkoM+k 100 102 105 105 111 2.0 2.9 0.0 5.7 11.0

gSnjkckn 100 104 109 111 122 4.0 4.8 1.8 9.9 22.0

bankSj 100 103 106 107 111 3.0 2.9 0.9 3.7 11.0

t;iqj 100 100 101 103 104 0.0 1.0 2.0 1.0 4.0

dY;k.k MksEfcoyh 100 102 105 108 109 2.0 2.9 2.9 0.9 9.0

dkuiqj 99 99 100 99 106 0.0 1.0 -1.0 7.1 7.1

dksfPp 100 100 101 101 94 0.0 1.0 0.0 -6.9 -6.0

dksydkrk 100 103 104 104 107 3.0 1.0 0.0 2.9 7.0

y[kuÅ 100 101 103 103 103 1.0 2.0 0.0 0.0 3.0

yqf/k;kuk 101 100 101 103 107 -1.0 1.0 2.0 3.9 5.9

esjB 100 101 104 106 107 1.0 3.0 1.9 0.9 7.0

ehjk Hk;kUnj 100 102 104 106 109 2.0 2.0 1.9 2.8 9.0

eqacbZ 100 102 104 105 105 2.0 2.0 1.0 0.0 5.0

ukxiqj 100 101 102 102 105 1.0 1.0 0.0 2.9 5.0

ukfld 100 103 105 105 106 3.0 1.9 0.0 1.0 6.0

uoh eqacbZ 100 101 104 107 108 1.0 3.0 2.9 0.9 8.0

U;w VkÅu dksydkrk 101 105 108 110 120 4.0 2.9 1.9 9.1 18.8

uks,Mk 100 103 107 111 111 3.0 3.9 3.7 0.0 11.0

iuosy 100 102 105 107 113 2.0 2.9 1.9 5.6 13.0

iVuk 100 100 101 104 108 0.0 1.0 3.0 3.8 8.0

fiaijh fpapokM+ 101 101 103 103 99 0.0 2.0 0.0 -3.9 -2.0

iq.ks 100 104 106 107 107 4.0 1.9 0.9 0.0 7.0

jk;iqj 100 101 103 103 109 1.0 2.0 0.0 5.8 9.0

jktdksV 100 100 102 102 101 0.0 2.0 0.0 -1.0 1.0

jkaph 99 101 103 112 117 2.0 2.0 8.7 4.5 18.2

lwjr 100 101 103 103 106 1.0 2.0 0.0 2.9 6.0

Bk.ks 100 103 107 107 107 3.0 3.9 0.0 0.0 7.0

fr#ouariqje 99 101 104 104 111 2.0 3.0 0.0 6.7 12.1

oMksnjk 99 102 104 104 107 3.0 2.0 0.0 2.9 8.1

olbZ fojkj 100 101 104 104 103 1.0 3.0 0.0 -1.0 3.0

fot;okM+k 100 100 100 100 99 0.0 0.0 0.0 -1.0 -1.0

fo'kk[kkiÙkue 100 101 102 103 107 1.0 1.0 1.0 3.9 7.0pkj frekgh vkSlr ewY; fopyu

fo/kku uxj

'kgj dk uke lwph frekgh nj frekgh o"kZ nj o"kZ

ekpZ] 2018

twu] 2018

twu&18 cuke

ekpZ&18% cnyko

flra-] 2018

fnla-] 2018

ekpZ] 2019

% cnyko % cnyko % cnyko % cnyko

flra-&18 cuke

twu&18

fnlaa-&18 cuke

flra-&18

ekpZ&19 cuke

fnla-&18

ekpZ&19 cuke

ekpZ&18

164

vuqca/k XVII & tuojh&ekpZ] 2019 frekgh gsrq fuekZ.kk/khu laifÙk;ksa gsrq ,pihvkbZ @ cktkj ewY;

vuqca/k

vgenkckn 100 101 101 102 103 1 0 1 1 3

cSaxyq# 100 100 101 101 101 0 1 0 0 1

fHkokM+h 100 102 104 103 102 2 2 -1 -1 2

Hkksiky 100 100 100 100 100 0 0 0 0 0

Hkqous'oj 100 101 103 104 105 1 2 1 1 5

fo/kku uxj 100 103 106 107 109 3 3 1 2 9

pkdu 100 100 100 100 100 0 0 0 0 0

paMhx<+ ¼VªkbflVh½ 100 100 101 100 100 0 1 -1 0 0

psUubZ 100 101 102 102 103 1 1 0 1 3

dks;EcVwj 100 101 103 103 103 1 2 0 0 3

nsgjknwu 100 101 101 101 100 1 0 0 -1 0

fnYyh 100 101 102 101 99 1 1 -1 -2 -1

Qjhnkckn 101 99 98 93 92 -2 -1 -5 -1 -9

xka/khuxj 100 102 104 106 108 2 2 2 2 8

xkft;kckn 100 101 102 102 102 1 1 0 0 2

xzsVj uks,Mk 100 101 102 102 102 1 1 0 0 2

xq:xzke 99 101 103 104 102 2 2 1 -2 3

xqokgkVh 100 101 103 106 108 1 2 3 2 8

gkoM+k 100 99 101 102 103 -1 2 1 1 3

gSnjkckn 100 102 105 108 112 2 3 3 4 12

bankSj 101 102 103 105 107 1 1 2 2 6

t;iqj 00 100 102 104 105 0 2 2 1 5

dY;k.k MksEfcoyh 100 103 106 110 113 3 3 4 3 13

dkuiqj 100 100 100 101 102 0 0 1 1 2

dksfPp 101 101 101 101 99 0 0 0 -2 -2

dksydkrk 100 104 108 110 111 4 4 2 1 11

y[kuÅ 100 100 99 100 101 0 -1 1 1 1

yqf/k;kuk 100 100 100 101 101 0 0 1 0 1

esjB 100 100 99 98 97 0 -1 -1 -1 -3

ehjk Hk;kUnj 100 102 103 105 107 2 1 2 2 7

eqacbZ 100 101 102 103 104 1 1 1 1 4

ukxiqj 100 102 104 108 110 2 2 4 2 10

ukfld 100 100 101 102 103 0 1 1 1 3

uoh eqacbZ 100 101 101 103 106 1 0 2 3 6

U;w VkÅu dksydkrk 100 99 98 98 98 -1 -1 0 0 -2

uks,Mk 100 102 103 101 99 2 1 -2 -2 -1

iuosy 100 101 101 101 101 1 0 0 0 1

iVuk 99 99 100 104 109 0 1 4 5 10

fiaijh fpapokM+ 100 100 100 100 99 0 0 0 -1 -1

iq.ks 100 101 101 102 102 1 0 1 0 2

jk;iqj 100 99 99 98 98 -1 0 -1 0 -2

jktdksV 100 101 102 102 102 1 1 0 0 2

jkaph 100 101 101 100 99 1 0 -1 -1 -1

lwjr 100 100 100 101 102 0 0 1 1 2

Bk.ks 100 101 102 102 103 1 1 0 1 3

fr#ouariqje 99 98 97 96 96 -1 -1 -1 0 -3

oMksnjk 100 99 98 99 103 -1 -1 1 4 3

olbZ fojkj 100 101 101 102 103 1 0 1 1 3

fot;okM+k 100 101 103 102 100 1 2 -1 -2 0

fo'kk[kkiÙkue 100 101 103 105 106 1 2 2 1 6pkj frekgh vkSlr ewY; fopyu

'kgj dk uke lwph frekgh nj frekgh o"kZ nj o"kZ

ekpZ] 2018

twu] 2018

twu&18 cuke

ekpZ&18% cnyko

flra-] 2018

fnla-] 2018

ekpZ] 2019

% cnyko % cnyko % cnyko % cnyko

flra-&18 cuke

twu&18

fnlaa-&18 cuke

flra-&18

ekpZ&19 cuke

fnla-&18

ekpZ&19 cuke

ekpZ&18

vuqca/k XVIII

'ks;j iwath ,oa vkjf{kr fuf/k;ka

jk-vk-cSad dh

rqyui= esa vxzsuhr ykHk ¼djksM+ :- eas½

165


'ks;j iwath] vkjf{kr fuf/k;ka ¼djksM+ :- eas½

'ks;j iwath vkjf{kr fuf/k;ka

vuqca/k XIX

jk-vk-cSad ds _.k ,oa vfxze rFkk ldy ,uih,

cdk;k _

.k ,

oa v

fxze& jkf’k d

jksM+ :

- esa

ldy ,

uih,&

jkf’k d

jksM+ :

- esa

166

cdk;k _.k ,oa vfxze cuke ldy vutZd vkfLr;ka ¼,uih,½

cdk;k _.k ,oa vfxzevutZd vkfLr;ka

vuqca/k

vuqca/k XX

jk-vk-cSad dk ih,yvkbZ dks lap;h iqufoZÙk laforj.k

jkf’k djksM+ :

- esa

167

ih,yvkbZ dks lap;h iqufoZÙk laforj.k

vuqlwfpr cSad


vU; ¼lgdkjh laLFkku lfgr½


vuqca/k XXI

jk-vk-cSad dk ih,yvkbZ cdk;k

vuqca/k XXII

jkf’k djksM+ :

- esa

jkf’k djksM+ :

- esa

168

ih,yvkbZ dks iqufoZÙk cdk;k

vk-fo-da- dks iqufoZÙk cdk;k

vuqca/k

vuqca/k XXIII

vk-fo-da- dh dk;Z fu"ikndrk

169


pqdrk iwath ¼ck,a v{k ij½

,uvks,Q ¼ck,a v{k ij½

Ckdk;k vkokl _.k ¼nk,a v{k ij½

Annual Report 2018-19

171




173


175


177

Contents Page No.

178

1.1 About National Housing Bank 1861.2 Governance Structure 1881.3 Board of Directors 189

2.1 Operational Highlights 1942.2 Key Metrics 195

4.1 Resource Mobilization 2084.2 Refinance 2104.3 Project Finance 2164.4 Regulation and Supervision 2174.5 Promotion and Development 2244.6 Risk Management 2344.7 Information Technology 2354.8 Human Resources 2364.9 Rajbhasha 2384.10 Knowledge Centre 2394.11 Compliance Cell 2404.12 Vigilance Cell 2404.13 RTI Cell 2404.14 Corporate Social Responsibility 2414.15 Regional Office and Regional Representative Offices 2414.16 Audit 241

Appearance before the Parliamentary Committee 194 Global Outlook 198 Economic Survey 2018-19 201 Union Budget 2019-20 204 Property Insurance in New & Existing Housing 230

Abbreviations

1. Introduction 185

2. Performance 193

3. Overview of the Economy

4. Operations 207

5. Way Forward

Annual Accounts 2018-19

Appendices

BoxesBox 2.1:Box 3.1:Box 3.2:Box 3.3:Box 4.1:

197

244

247

330

178

ACB Audit Committee of the Board

ACHFS Apex Cooperative Housing Finance Societies

ADB Asian Development Bank

AFD Agence Française de Développement

AHF Affordable Housing Fund

ALM Asset Liability Management

AML Anti-Money Laundering

ARDBs Agriculture and Rural Development Banks

AUM Assets Under Management

BPL Below Poverty Level

CAFRAL Centre for Advanced Financial Research and Learning

CAGR Compound Annual Growth Rate

CBLO Collateralized Borrowing and Lending Obligation

CEIB Central Economic Intelligence Bureau

CEO Chief Executive Officer

CERSAI Central Registration of Securitization Asset Reconstruction and Security Interest of India

CGST Central Goods and Services Tax

CSOC Cyber Security Operation Centre

CLSS Credit Linked Subsidy Scheme

CNAs Central Nodal Agencies

CoR Certificate of Registration

CPGRAMS Centralized Public Grievance Redress and Monitoring System

CPs Commercial Papers

CPI Consumer Price Index

CPSE Central Public Sector Enterprises

CPIO Central Public Information Officer

CRAR Credit Risk Guarantee Fund

CRGF Capital to Risk Weighted Assets Ratio

CRGFTLIH Credit Risk Guarantee Fund Trust for Low Income Housing

CRMC Credit Risk Management Committee

CRO Chief Risk Officer

Select abbreviations


179

CSR Corporate Social Responsibility

CTR Cash Transaction Report

CVO Chief Vigilance Officer

DARPG Department of Administrative Reforms and Public Grievances

DEA Department of Economic Affairs

DFS Department of Financial Services

DoPT Department of Personnel & Training

DRR Debenture Redemption Requirement

DTL Deferred Tax Liability

EC Executive Committee of Directors

ED Executive Director

EMDE Emerging Market and Developing Economies

ESS Employee Self Service

EWS Economically Weaker Section

FDI Foreign Direct Investment

FEDAI Foreign Exchange Dealers Association of India

FIFO First In First Out

FII Foreign Institutional Investor

FIPB Foreign Investment Promotion Board

FIU-IND Financial Intelligence Unit - India

FMIC Fund Management and Investment Committee

FPI Foreign Portfolio Investment

GDP Gross Domestic Product

GNPAs Gross Non-Performing Assets

GoI Government of India

GRIDS Grievance Registration & Information Database System

GST Goods & Services Tax

GVA Gross Value Added

HDFC Housing Development Finance Corporation Limited

HFCs Housing Finance Companies

HFT Held for Trading

HLAS Home Loan Account Scheme

180

HPI

HRC Human Resource Committee

HTM Held to Maturity

HUDCO Housing and Urban Development Corporation Limited

IBC Insolvency & Bankruptcy Code

ICAI The Institute of Chartered Accountants of India

ICRM Internal Credit Rating Model

IDA International Development Association

IDF Infrastructure Debt Fund

IGST Integrated Goods and Services Tax

IFC International Finance Corporation

IHC India Habitat Centre

IHFD India Housing Finance and Development Limited

IIBF Indian Institute of Banking & Finance

IIM Indian Institute of Management

IIP Index of Industrial Production

IL&FS Infrastructure Leasing and Financial Services

IMF International Monetary Fund

IMGC India Mortgage Guarantee Corporation Private Limited

InvIT Infrastructure Investment Trust

IPA Institute of Public Administration

IS Information Security

ISC Information Security Committee

ISHUP Interest Subsidy Scheme for Housing the Urban Poor

ISP Information Security Policy

IT Information Technology

ITP Information Technology Policy

ITC Information Technology Committee

IUHF International Union of Housing Finance

JDA Joint Development Agreement

JNNSM Jawaharlal Nehru National Solar Mission

KYC Know Your Customer

Housing Price Index


181

LAD Loan Against Deposit

LAN Local Area Network

LAP Loan Against property

LDSP Land Development and Shelter Projects

LIG Lower Income Group

LODR Listing Obligations and Disclosure Requirements

LRS Liberalized Refinance Scheme

MD Managing Director

MFIs Micro Finance Institutions

MIG Middle Income Group

MLI Member Lending Institutions

MNRE Ministry of New and Renewable Energy

MPC Monetary Policy Committee

MoF Ministry of Finance

MoHUA Ministry of Housing and Urban Affairs

MoRD Ministry of Rural Development

MoU Memorandum of Understanding

MRHFL Mahindra Rural Housing Finance Limited

MSME Micro Small and Medium Enterprises

NAREDCO National Real Estate Development Council

NBFC Non-Banking Financial Company

NCD Non-Convertible Debentures

NFC Non-Food Bank Credit

NHB National Housing Bank

NIBM National Institute of Bank Management

NPA Non-Performing Asset

NNPA Net Non-Performing Asset

NOF Net Owned Fund

NOOP Net Overnight Open Position

NPV Net Present Value

OBC Other Backward Classes

ORMC Operational Risk Management Committee

182

ORMIS Online Reporting Management Information System

PAT Profit After Tax

PLIs Primary Lending Institutions

PMAY -G Pradhan Mantri Awas Yojana - Gramin

PMAY- U Pradhan Mantri Awas Yojana - Urban

PMLA Prevention of Money Laundering Act, 2002

POS Principal Only Swap

PPP Purchasing Power Parity

PSBs Public Sector Banks

RBI Reserve Bank of India

RC Remuneration Committee

RESIDEX Residential Property Price Index

REIT Real Estate Investment Trust

RFS Residential Furnishing Scheme

RHF Rural Housing Fund

RHISS Rural Housing Interest Subsidy Scheme

RMAC Risk Management Advisory Committee

RO Regional Office

RRBs Regional Rural Banks

RRO Regional Representative Office

RRY Rajiv Rinn Yojana

RTI Right to Information

SARFAESI Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002

SBI State Bank of India

SC Scheduled Caste

SCBs Scheduled Commercial Banks

SDR Special Drawing Right

SEBI Securities and Exchange Board of India

SFBs Small Finance Banks

SGRL Sewa Grih Rin Limited

SGST State Goods and Services Tax


183

SIDBI Small Industries Development Bank of India

SLCC State Level Coordination Committee

SLNA State Level Nodal Agency

SLR Statutory Liquidity Ratio

SMAC Special Mention Accounts Committee

SR Security Receipt

SRHD Special Rural Housing Debenture

ST Scheduled Tribe

STR Suspicious Transaction Report

SUNREF Sustainable Use of Natural Resources and Energy Facility

TAC Technical Advisory Committee

TNIDB Tamil Nadu Investment Development Board

TNIFMC Tamil Nadu Infrastructure Fund Management Corporation Limited

TOLIC Town Official Language Implementation Committee

UCBs Urban Co-operative Banks

UHF Urban Housing Fund

ULBs Urban Local Bodies

UT Union Territory

VPN Virtual Private Network

WB-ULIH World Bank - Urban Low Income Housing

WHD World Habitat Day

WPI Wholesale Price Index

CHAPTER 1: INTRODUCTION

DOOR…The ushering In: Facing the Chapter of Introduction

1. Introduction

1.1 About National Housing Bank

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 The National Housing Bank (NHB) is a financial system. NHB has also been development f inancia l inst i tut ion, assigned the responsibility of promoting a established in 1988, under an Act of network of dedicated housing finance Parliament, viz. the National Housing Bank institutions to adequately serve various Act, 1987 (Central Act no. 53 of 1987). NHB is regions and different income groups. It is to operate as a principal agency to promote also responsible to augment resources for the housing finance institutions and to provide sector and channelize them for housing. The financial and other support to such NHB is expected to make housing credit institutions. NHB performs three broad

1 more affordable and accessible to the functions – regulation and supervision of common man. The NHB has been Housing Finance Companies (HFCs), established with the task of regulating the financing and promotion and development. activities of Housing Finance Companies NHB is committed towards establishment of based on regulatory and supervisory a sound and sustainable housing finance authority derived under the NHB Act, 1987. system in the country by way of promoting

institutional framework and market NHB has been established to achieve, inter

infrastructure. alia, the following objectives:

Vision • To promote a sound, healthy, inclusive

and viable housing finance system to Promoting Inclusive Expansion with Stability in

Housing Finance Market. cater to all segments of the population

and to integrate the housing finance Mission

system with the overall national financial

system;To harness and promote the market potentials to

serve the housing needs of all segments of the • To develop a network of dedicated

population with the focus on low and moderate housing f inance inst i tut ions to

income housing.adequately serve all regions and sections

Objectives in the society;

The NHB has been established to promote a • To facilitate finance and other resources

186

1 Pursuant to the announcement in the Union Budget 2019, necessary amendments were proposed in the National Housing Bank

Act 1987. Department of Financial Services, Ministry of Finance vide notification No. S.O.2902 (E) dated 09.08.2019 has

notified 09.08.2019, as the date from which the provisions of Part VII of Chapter VI of the Finance (No.2) Act, 2019 shall come

into force. Accordingly w.e.f. 09.08.2019, the regulation of HFCs stands transferred to RBI.

INTRODUCTION


187

for development of housing and create a the financing front, NHB extends

framework for institutions for enhancing refinance assistance to primary lending

the quality of credit and affordability; institutions (PLIs) including HFCs and

Banks for their housing loans to • To innovate and develop new products in individuals. Refinance is extended at

housing finance to cater to the specialized concessional rates for housing loans needs of different categories of the given to borrowers in rural and urban population; areas, low income and informal income

borrowers and persons affected by • To create an appropriate environment for natural calamities. NHB also extends the development of sustainable habitat project finance assistance to public and housing finance system through eco-agencies and public private partnership friendly housing using energy efficiency entities for their housing projects. The and sustainable practices by partnership promotion and development activities of and collaboration with domestic and NHB are aimed at strengthening the multi-lateral agencies. operating environment of the housing

Functions finance sector as well as development of

new products and market infrastructure. • NHB performs multidimensional

Training and capacity building for the activities in the pursuit of its objectives,

personnel of the sector is carried out with under three broad functions, viz.

the objective of not only streamlining the 2regulation and supervision, financing processes but also for better information

and promotion and development. As a dissemination. NHB has assisted in the

regulator of Housing Finance Companies formulation of the Central and State

(HFCs), NHB is entrusted with the Housing and Habitat policies of some of

responsibility of issuing Certificate of the States and has also been playing the

Registration (CoR) to HFCs for role of Central Nodal Agency in

commencement and carrying on the implementation of Government Schemes

business of housing finance in India. The for housing to the targeted segments.

supervision of the HFCs is done by NHB

through on-site inspection and off-site • NHB is a Central Nodal Agency (CNA) surveillance, market intelligence and for the Credit Linked Subsidy Scheme coordination with other regulators. On (CLSS), the second vertical of the

2 Pursuant to the announcement in the Union Budget 2019, necessary amendments were proposed in the National Housing Bank

Act 1987. Department of Financial Services, Ministry of Finance vide notification No. S.O.2902 (E) dated 09.08.2019 has

notified 09.08.2019, as the date from which the provisions of Part VII of Chapter VI of the Finance (No.2) Act, 2019 shall come

into force. Accordingly w.e.f. 09.08.2019, the regulation of HFCs stands transferred to RBI.

Pradhan Mantri Awas Yojana (PMAY) - regard to public interest. The Board of

Housing for All (Urban) Scheme Directors has been constituted in accordance

Guidelines, and the Rural Housing with the provisions of the National Housing

Interest Subsidy Scheme (RHISS) under Bank Act, 1987. The Board was chaired by

the Housing for All by 2022 Mission of the Smt. Dakshita Das, Additional Secretary to

Government of India. Government of India, Ministry of Finance,

Department of Financial Services having • The Credit Risk Guarantee Fund Trust for additional charge of MD&CEO of NHB till

Low Income Housing (CRGFTLIH) was forenoon of June 27, 2019; thereafter, in set up by the MoHUA, GoI on May 1, 2012 pursuance to the Notif icat ion no. to ensure better flow of institutional F.No.24/10/2018-IF.II dated June 27, 2019 of credit for housing in urban areas to cater the Government of India, Ministry of to the needs of the targeted segments Finance, Department of Financial Services, (EWS/LIG borrowers). The Trust is being Shri Sarada Kumar Hota has assumed the managed by NHB. charge as Managing Director (MD) of

National Housing Bank (NHB), with effect

from June 27, 2019. The essence of Corporate Governance lies in

The following changes took place in the promoting and maintaining integrity, composition of the Board of Directors of transparency and accountability in the NHB during the year 2018-19:Management’s highest levels. Corporate

Governance encompasses a set of systems • Shri Sarada Kumar Hota was appointed

and best practices to ensure that the affairs of as MD of NHB, with effect from 27-06-2019.

the organization are being managed in a

manner which ensures compliance with the • Dr. Prasanna Kumar Mohanty, Director,

laws and adherence to the highest standards Central Board of RBI is continuing as RBI

of transparency and business ethics. NHB Nominee Director with effect from 07-03-2018.

would continue to strengthen its principles • Shri Kamalkishore Chandravadan Jani, of fairness and accountability to generate

Former Executive Director of IDBI Bank, long term value for its stakeholders on is continuing as Independent Director continuous and sustainable basis. with effect from 06-04-2017.

• Dr. Charan Singh, Former RBI Chair General superintendence, direction and Professor of Economics, IIM Bangalore, is management of the affairs of the business of continuing as Independent Director with the NHB are vested in the Board of Directors, effect from 08-05-2017.which acts on business principles with due

1.2 Governance Structure

1.2.1 Composition of the Board

188

INTRODUCTION

1.3 Board of Directors

1.3.1 Committees Constituted by the Board

iii) Remuneration Committee of Directors

(RC), As on 30-06-2019, apart from Managing

D i r e c t o r , N H B a p p o i n t e d b y t h e iv) Human Resource Committee of the

Government of India under Section 6(1) (a) of Board (HRC),

the National Housing Bank Act, 1987, there v) Regulatory Committee of the Board, were seven other directors on the Board, as

per the following composition: vi) Supervisory Committee of the Board, and

• one non-official Director appointed by vii)Review Committee of the Board on Non-the Central Government under Section 6 Cooperative Borrowers and Willful (1) (b) of the Act Defaulters of the Bank

• one non-official Director appointed by The functions of the various Committees of the Central Government under Section 6 the Board are well-defined. The Board / (1) (c) of the Act Committee meetings are held at regular

intervals. • one Director from among the Board of

Directors of Reserve Bank of India, During the year 2018-19, the Board met seven nominated by the Reserve Bank of India times, the Audit Committee of the Board met under Section 6 (1) (d) of the Act four times, the Executive Committee and the

Human Resource Committee met three times • two Directors from amongst the officials each and Regulatory Committee of the Board of the Central Government, appointed by met two times.the Central Government under Section 6

(1) (e) of the Act, and The following is the composition of the

Board and reconstitution of committees as on • two Directors from amongst the officials 22/08/2019:of the State Government, appointed by

the Central Government under Section 6 Composition of the Board of Directors of (1) (f) of the Act. NHB:

Shri S.K. Hota

Managing Director, National Housing BankThe Board has constituted seven Committees

to enable better and focused attention on the Shri Kamalkishore C. Janiaffairs of NHB, viz. Part-Time Non-Official Director

i) Executive Committee of Directors (EC), Dr. Charan Singh

Part-Time Non-Official Directorii) Audit Committee of the Board (ACB),


189

190

Dr. Prasanna Kumar Mohanty

Central Board of Director

Reserve Bank of India

Human Resource Committee of the BoardShri Shiv Das Meena

i) Shri S. K. Hota, Chairman Additional Secretary to the Government of

ii) Shri , MemberIndia, Ministry of Housing and Urban

Affairs iii) Shri Prasant Kumar, Member

Shri Pankaj Jain iv) Shri Shiv Das Meena, Member

Additional Secretary to the Government of Supervisory Committee of the Board

India, Ministry of Finance, Department of i) Shri S. K. Hota, ChairmanFinancial Services

ii) Dr. P. K. Mohanty, MemberShri Prasant Kumar

iii) Dr. Charan Singh, Member Additional Secretary to the Government of

iv) Shri Pankaj Jain, MemberIndia, Rural Housing, Department of Rural

v) Shri Prasant Kumar, Member D e v e l o p m e n t , M i n i s t r y o f R u r a l

DevelopmentReview Committee of the Board for Non-

cooperative and Wilful DefaultersExecutive Committee of the Board

i) Shri S. K. Hota, Chairmani) Shri S. K. Hota, Chairman

ii) Dr. Charan Singh, Memberii) Dr. Charan Singh, Member

iii) Shri Jani, Memberiii) Shri Kamalkishore C. Jani, Member

iv) Shri Shiv Das Meena, Member iv) Shri Prasant Kumar, Member

Remuneration CommitteeAudit Committee of the Board

i) Dr. Prasanna Kumar Mohanty, Chairman i) Shri Pankaj Jain, Chairman

ii) Shri Pankaj Jain, Memberii) Shri Shiv Das Meena , Member

iii) Dr. Charan Singh, Memberiii) Shri Kamalkishore C. Jani, Member

iv) Shri Kamalkishore C. Jani, Memberiv) Shri Prasant Kumar, Member

Kamalkishore C. Jani

Kamalkishore C.

INTRODUCTION


191

BOARD OF DIRECTORS

Shri Kamalkishore C. JaniDr. Charan Singh

Shri Pankaj JainShri Shiv Das Meena Shri Prasant Kumar

Dr. Prasanna Kumar Mohanty

Shri S. K. Hota

CHAPTER 2: PERFORMANCE

STAIRS the Upward Move: Facing the Chapter Dealing with Performance

194

2. Performance Highlights

2.1 Operational Highlights

Box 2 .1 - Appearance before the Parliamentary Committee

1,49,207 households under PMAY-CLSS for MIG during the year.

• Conducted 12 training programmes Share Capital

across India, covering more than 437 participants from various PLIs.• Equity share capital of NHB stood at

?1,450 crore, which is fully subscribed to Governance

by the Government of India.

• A p p e a r e d b e f o r e t h e S t a n d i n g Regulation & Supervision Committee on Urban Development and

P a r l i a m e n t a r y C o m m i t t e e o n • During the year, 7 HFCs have been Subordinate Legislation.granted Certificates of Registration

under Section 29A of the National Housing Bank Act, 1987. As on June 30, 2019, the total number of HFCs registered with NHB stood at 101. During the year, NHB appeared before the

following Parliamentary Committee:Financing

o Study Visit of the Parliamentary • Refinance Disbursements of ?25,177 crore Committee on Subordinate Legislation to

were made during the year. Hyderabad on 17-01-2019.

• Three HFCs were added to the refinance o Study Visit of the Standing Committee on clients list. Urban Development to Guwahati,

Kolkata, Port Blair and Visakhapatnam • Recoveries of non-performing assets

from 17-01-2019 to 22-01-2019.aggregating to ?0.43 crore were made,

without further loan slippage into NPA o Study Visit of the Standing Committee on category. Urban Development to Mumbai and

Hyderabad from 28-02-2019 to 03-03-2019.• Maintained the status of ‘Nil’ NNPAs

(Net Non-Performing Assets) Institution. Awards & Recognition

Promotion & Development • NHB’s in-house magazine ‘Aawas Bharti’ received the first prize from the

• NHB RESIDEX - Housing Price Indices D e l h i T o w n O f f i c i a l L a n g u a g e

now being published for 50 cities at Implementation Committee TOLIC for

quarterly intervals with base year as the year 2017-18.

2017-18.

• The ‘Aawas Bharti’ also received third • Disbursed interest subsidy of ?6,620 crore prize from Reserve Bank of India for the

to 2,77,614 households under PMAY- year 2017-18.CLSS for EWS/LIG, and ?3,155 crore to

PERFORMANCE

2.2 Key Metrics

Balance Sheet Metrics


195

21,847

21,687

22,759

24,921

25,177

2014-15

2015-16

2016-17

2017-18

2018-19

Disbursements (? in crore)

44,737

53,573

54,385

57,684

69,805

2014-15

2015-16

2016-17

2017-18

2018-19

Loans & Advances (? in crore)

2,951

2,909

1,528

3,645

3,501

2014-15

2015-16

2016-17

2017-18

2018-19

Investments (? in crore)

43,859

50,674

48,437

52,686

2014-15

2015-16

2016-17

2017-18

2018-19

Total Borrowings (? in crore)

50,285

59,262

58,254

63,273

75,598

2014-15

2015-16

2016-17

2017-18

2018-19

Total Assets (? in crore)

0.50

0.09

0.06

0.01

0.01

2014-15

2015-16

2016-17

2017-18

2018-19

GNPAs to Loans & Advances (in %)

Profit & Loss Metrics

3,860

4,213

4,518

4,430

5,276

2014-15

2015-16

2016-17

2017-18

2018-19

Total Income (? in crore)

2,688

2,899

2,987

3,103

3,465

2014-15

2015-16

2016-17

2017-18

2018-19

Operating Expenses (? in crore)

747

792

848

751

733

2014-15

2015-16

2016-17

2017-18

2018-19

Profit After Tax (? in crore)

Efficiency Metrics

16

19

17

19

16

2014-15

2015-16

2016-17

2017-18

2018-19

CRAR (in %)

101

106

117

116

109

2014-15

2015-16

2016-17

2017-18

2018-19

Number of Employees .

7.39

7.47

7.25

6.48

6.72

2014-15

2015-16

2016-17

2017-18

2018-19

PAT per Employee (? in crore)

63,489

CHAPTER 3: OVERVIEW OF HOUSING TRENDS

BALCONY…Vantage Point for Looking Around: Facing the page Overview of Housing & Economy

198

3. Overview of the economy

Indian Outlook

increased consistently over the years. In less

than a decade, India’s contribution to

EMDEs GDP has increased by around 1.3%

Despite moderation in its GDP growth from and to the world economy by around 0.7%.

7.2% in 2017-18 to 6.8% in 2018-19, owing to India’s share in GDP of EMDEs stood at 8%

global and overall macroeconomic in 2018. As per the WEO, April 2019, going

headwinds, India was one of the fastest forward, the growth of world economy will

growing major economy in the world. be strengthened by growth in China and

India and their increasing contributions to India forms part of global economies whose

world income. In EMDEs group, India and 3.growth is not projected to decline in 2019 China are the major drivers of growth. The

The average growth rate of India was not global economy—in particular the global

only higher than China’s during 2014-15 to growth powerhouse, China—is rebalancing,

2017-18 but much higher than that of other leading to an increasing role for India. The

top major economies (measured in terms of global economic growth for 2019 for

GDP at current US$ terms). The contribution advanced economies and EMDEs is given in

of the Indian economy to the GDP of Box 3.1.

and world economy has

Emerging Market and Developing

Economies (EMDEs)

4Box 3.1 - Global Outlook

Global economic growth is projected at 3.2 percent for 2019, improving to 3.5 percent in 2020.

The projected pickup in global growth in 2020 relies importantly on several factors:

• financial market sentiment remaining supportive;

• continued decline of temporary hindrances, notably in the Euro area;

• stabilization in some stressed emerging market economies, such as Argentina and Turkey; and

• avoiding even sharper collapses in others, such as Iran and Venezuela.

About 70 percent of the increase in the global growth forecast for 2020 relative to 2019 is accounted for by stabilization or recovery in stressed economies. In turn, these factors rely on a conducive global policy backdrop that ensures the dovish tilt of central banks and the build-up of policy stimulus in China are not blunted by escalating trade tensions or a disorderly Brexit.

For advanced economies, growth is projected at 1.9 percent in 2019 and 1.7 percent in 2020.

3 IMF-World Economic Outlook Update April 2019 4 IMF-World Economic Outlook Update July 2019

OVERVIEW OF HOUSING TRENDS


199

• In the United States, 2019 growth is expected to be 2.6 percent, moderating to 1.9 percent in 2020 as the fiscal stimulus unwinds. The revision to 2019 growth reflects stronger-than-anticipated first quarter performance. While the number was strong on the back of robust exports and inventory accumulation, domestic demand was softer than expected and imports weaker as well, in part reflecting the effect of tariffs. These developments point to slowing momentum over the rest of the year.

• Growth in the Euro is projected at 1.3 percent in 2019 and 1.6 percent in 2020. The forecast for 2019 is revised down slightly for Germany, but it is unchanged for France and Italy. Growth has been revised up for 2019 in Spain, reflecting strong investment and weak imports at the start of the year. Euro area growth is expected to pick up over the remainder of this year and into 2020, as external demand is projected to recover and temporary factors continue to fade away.

• The United Kingdom is set to expand at 1.3 percent in 2019 and 1.4 percent in 2020. The upward revision reflects a stronger than anticipated first quarter out-turn boosted by pre-Brexit inventory accumulation and stockpiling. The forecast assumes an orderly Brexit followed by a gradual transition to the new regime. However, the ultimate form of Brexit remained highly uncertain.

• Japan’s economy is set to grow by 0.9 percent in 2019. The strong first quarter GDP release reflects inventory accumulation and large contribution from net exports due to sharp fall in imports. Growth is projected to decline to 0.4 percent in 2020, with fiscal measures expected to mitigate the volatility in growth from the increase in the consumption tax rate.

The emerging market and developing economy group is expected to grow at 4.1 percent in 2019, rising to 4.7 percent in 2020.

• Emerging and developing Asia is expected to grow at 6.2 percent in 2019–20. The forecast is 0.1 percentage point lower for both years, largely reflecting the impact of tariffs on trade and investment. In China, the negative effects of escalating tariffs and weakening external demand have added pressure to an economy already in the midst of a structural slowdown and needed regulatory strengthening to rein in high dependence on debt. With policy stimulus expected to support activity in the face of the adverse external shock, growth is forecast at 6.2 percent in 2019 and 6.0 percent in 2020, 0.1 percentage point lower each year. India’s economy is set to grow at 7.0 percent in 2019, picking up to 7.2 percent in 2020. The downward revision of 0.3 percentage point for both years reflects a weaker domestic demand.

• South Asian Countries: South Asia holds the top spot as the world’s fastest growing region with growth to step upto 7 in 2019 but the countries in the region need to increase its exports to sustain the high growth level and reach its full economic potential. The region’s growth is mainly driven by domestic demand, which in turn swelled imports and outstripped exports, further widening trade gaps and current account deficits, and triggering currency depreciation in some countries. Integration is required to ensure growth in the long run. Efforts required to promote growth may include trade liberalization and spurring entrepreneurship.

percent

200

Economic Survey 2018-19 deficit of Central Government stood at a

3.4 of GDP in 2018-19. Current The Economic Survey 2018-19 of the

account deficit was 2.6 in Apr-Dec Government of India forecasts a growth rate

2018. The IMF in July projected a slower of 7percent for FY20. In view of the

growth rate for India in 2019 and 2020, a weakening of both domestic and external

downward revision of 0.3 for both demand conditions, the RBI’s Monetary

the years, GDP to grow at 7 and 7.2 Policy Committee (MPC) in August 2019,

respectively reflecting a weaker than revised the projection of the real GDP growth

expected domestic demand. There was a of India for 2019-20 downwards from

pickup in fixed investment rate in 2018-19. 7 (projected in MPC meeting held in

Fiscal situation remained comfortable and the June 2019) to 6.9 . This

the consolidation process continues to bring moderation in growth is mainly on account

down the public debt. Consumer price of lesser progress in agriculture &

inflation is within the targeted limits set by allied, trade, hotel, transport, storage,

the monetary policy committee of RBI. communication and services related to

Current Account Deficit increased from 1.9 broadcasting and public administration and

of GDP in 2017-18 to 2.4 in defence sectors. On the demand side, lower

April-December 2018-19. growth of GDP in 2018-19 was due to decline

in growth of government consumption, Global confidence on the Indian economy

change in stocks and contraction in has improved as observed from indicators

valuables. Growth in fixed investment like improvement in ease of doing business

picked up from 8.3 in 2016-17 to 9.3 and gross FDI inflows. According to World

in 2017-18 and further to 10.0 Bank's Ease of Doing Business 2019 Report,

in 2018-19. India's ranking improved by 23 positions to

77th rank in 2018. The medium term growth India has maintained its macroeconomic

prospects of the economy are positive due to stability by containing inflation within 4 per

the important structural reforms initiated in cent and by maintaining a manageable

the last few years. A brief of Economic current account deficit to GDP ratio. Fiscal

Survey 2018-19 is given in Box 3.2.

percent

percent

percent

percent

percent

percent

percent

percent percent

percent

percent percent



201

Box 3.2 - Economic Survey 2018-19

The Economic Survey 2018-19 forecasts a growth rate of 7 for FY20, as compared to the

growth rate of 6.8 in FY19. In view of the weakening of both domestic and external

demand conditions, the RBI’s Monetary Policy Committee (MPC) in August 2019, revised the

projection of the real GDP growth of India for 2019-20 downwards from 7 (projected in

MPC meeting held in the June 2019) to 6.9 . The real GDP growth was projected to be in

the range of 5.8-6.6 for H1:2019-20 and 7.3-7.5 for H2 – with risks somewhat

tilted to the downside.

Fiscal Deficit:

• Fiscal deficit in FY 2018-19 ended with 3.4 of GDP and debt to GDP ratio of 44.5

(Provisional).

• Total Central Government expenditure fell by 0.3 of GDP, in 2018-19 over 2017-18.

• The target is to achieve fiscal deficit of 3 of GDP by FY 2020-21 and debt of central

government to 40 of GDP by FY 2024-25.

GDP Growth:

• The expected growth rate of GDP is 7 for 2019-20.

• The GDP growth is 6.8 in 2018-19 compared to 7.2 in 2017-18.

• GVA growth at basic prices is expected to be 6.1 in 2017-18

Inflation and Monetary Policy:

• Average retail inflation, measured by Consumer Price Index (CPI), in 2018-19 seen at 3.4

.

• Average Wholesale Price Index (WPI) inflation, in 2018-19 seen at 4.3 from 3.0

in 2017-18.

percent

percent

percent

percent

percent percent

percent

percent

percent

percent

percent

percent

percent percent

percent

percent

percent

percent

Housing Finance sustained historical development, we can

expect a modest growth in the medium term The housing finance growth as a percent of

for the overall housing finance industry.GDP is a good measure of analyzing the

The Graph below shows the growing depth of the housing finance sector in the

percentage of outstanding country. With the evident proactive

housing loans of to GDP (at measures and various other initiatives of the

market price).Government , the overal l share of

However, the Housing Finance Sector outstanding individual housing loans of witnessed a moderation in growth in the Banks and HFCs to GDP (at market price) has backdrop of overall economic scenario increased from 6.6 in 2010-11 to 9.6 during the year 2018-19 even though the in 2018-19. The growth and individual housing loan disbursements of contribution of HFCs in this has been PSBs and HFCs crossed Rs. 4.5 lakh crore for commendable. Notwithstanding the current the first time. The tabular date is available in dynamism of the market, in line with Appendix-I

individual

Banks and HFCs

percent

percent

Government Measures to promote Housing launched on June 17, 2015 and shall be

Sector implemented upto March 31, 2022. Housing

for All by 2022 has been implemented under The Pradhan Mantri Awas Yojana (PMAY)

two broad categories namely Pradhan under the Mission “Housing for All by 2022”,

Mantri Awas Yojana (Urban) and Pradhan has been a major initiative of the

Mantri Awaas Yojana (Gramin).Government of India. The Scheme was

202


(` in crore)

Outstanding Individual Housing Loans of Banks and HFCs

20,00,000

18,00,000

16,00,000

14,00,000

12,00,000

10,00,000

8,00,000

6,00,000

4,00,000

2,00,000

-

The Government continued its thrust towards up to ?45 lakh has been proposed.

the housing sector by announcing various • Reform measures to be taken up to measures in the Interim Budget and the

promote rental housing. The Ministry Union Budget 2019-20. (Box 3.3) The budget of housing and Urban Affairs announcements include:subsequently released the Draft Model

• Tax exemption on notional rent on Tenancy Act, 2019 on July 11, 2019 second self-occupied house. which envisages to balance the interest

and rights of both the owner and tenant • The benefit of rollover of capital gains

and to create an accountable and under section 54 of the Income Tax Act

transparent ecosystem for renting the increased from investment in one

premises in disciplined and efficient residential house to two residential

manner.houses for a tax payer having capital

gains up to ? 2 crore. This benefit can be • Another major announcement is the

availed once in a life time. setting up of the Credit Guarantee

Enhancement Corporation. It would • For making more homes available

help in channelizing funds for the under affordable housing, the benefits

infrastructure sector and would also under Section 80-IBA of the Income Tax

ensure availability of low cost long Act extended for one more year, i.e. to

term finance for affordable housing.the housing projects approved till

31stMarch, 2020. • Further, in view of the turmoil in the

NBFC sector during the year 2018-19, • The period of exemption from levy of

the Government of India rolled out a tax on notional rent, on unsold

scheme offering to provide a one-time inventories, was extended from 1 year

partial credit guarantee for first loss up to 2 years, from the end of the year in

to 10 per cent to public sector banks which the project is completed.

(PSBs) for purchase of high rated

pooled assets amounting to ?1 trillion • An additional deduction of up to ?1.50 from financially sound NBFCs/HFCs lakh for interest paid on loans to support NBFCs’ access to funding borrowed up to 31st March, 2020 for from the PSBs.purchase of an affordable house valued


203

5Box 3.3 - Union Budget 2019-20

Infrastructure

• Measures to enhance sources of capital for infrastructure financing viz.:

i. Credit Guarantee Enhancement Corporation to be set up in 2019-2020 (Affordable

housing constitutes a part of the harmonization list)

ii. Action plan to be put in place to deepen the market for long term bonds with focus on

infrastructure and

iii. To permit investments made by FIIs/FPIs in debt securities issued by Infrastructure

Debt Fund – Non-Bank Finance Companies (IDF-NBFCs) to be transferred/sold to

any domestic investor within the specified lock-in period.

• ? 100 lakh crore investments in infrastructure is intended over the next five years. It is

proposed to set up a Committee to recommend the structure and required flow of funds

through development finance institutions.

Housing

• Reform measures to be taken up to promote rental housing.

• A Model Tenancy Law will be finalized and circulated to the States.

• Joint development and concession mechanisms to be used for public infrastructure and

affordable housing on land parcels held by the Central Government and CPSEs.

• A total of 1.54 crore rural homes have been completed in the last five years under PMAY-

G. In the second phase of PMAY-G, during 2019-20 to 2021-22, 1.95 crore houses are

proposed to be provided to the eligible beneficiaries.

• Under PMAY-Urban, over 81 lakh houses with an investment of about 4.83 lakh crore

have been sanctioned of which construction has started in about 47 lakh houses.

5 Union Budget, 2019-20, Ministry of Finance, Government of India

204


NBFC

• For purchase of high-rated pooled assets of financially sound NBFCs, amounting to a

total of ? 1 lakh crore during the current financial year, Government will provide one time

six months' partial credit guarantee to Public Sector Banks for first loss of up to 10 percent.

• Appropriate proposals for strengthening the regulatory authority of RBI over NBFCs are

being placed in the Finance Bill.

• It is proposed to return the regulation authority over the housing finance sector from

NHB to RBI.

• To allow NBFCs to raise funds in public issues, the requirement of creating a DRR will be

done away with.

• Interest on certain bad or doubtful debts by deposit taking as well as systemically

important non-deposit taking NBFCs to be taxed in the year in which interest is actually

received.

The RBI vide its notification dated 29th Nov, the book value of the loans being

2018, relaxed the norms for NBFCs including securitized/ assigned. Subsequently, the

HFCs to securitize their loan book in order to exemption was extended by the RBI till 31st

ease the liquidity crunch being faced by such Dec, 2019 vide its circular dated 29th May,

institutions. The Minimum Holding Period 2019.

requirement for originating NBFCs, in In the backdrop of robust demand for respect of loans of original maturity above 5 affordable housing, measures announced by years was relaxed from earlier one year to six the Government and buoyancy of demand, months. Minimum Retention Requirement we expect the housing finance sector to post a for such securit ization/assignment healthy growth and contribute to the overall transactions was prescribed at 20 percent of economic growth.


205

CHAPTER 4: OPERATIONS

KITCHEN the happening area: : Facing the Chapter of Operations

4.1.1 Resources Mobilized depicts the instrument-wise break-up

of net resources mobilized during the During the FY 2018-19, the Bank

year. Amounts mobilized through raised net incremental resources

different instruments are given in aggregating ?21,852 crore. Chart 4.1 Appendix II.

4. Operations

4.1 Resource Mobilization

Deposits under Rural Housing Fund (RHF) Quantum of funds to be contributed by each

SCB and the applicable interest rate were Rural Housing Fund (RHF) was established

determined by the RBI depending upon the in 2008-09 (in NHB) to enable Primary

priority sector shortfall of the respective SCB. Lending Institutions (PLIs) to access funds

The tenure of the deposits under RHF is for extending housing finance to target

seven years. Since inception, total amount of segments in rural areas at cheaper rates. The ?31,278 crore were received under the RHF. corpus of the RHF was contributed by

The total outstanding under RHF as on Scheduled Commercial Banks (SCBs) out of

June 30, 2019 is ?22,500 crore.their priority sector lending shortfall.

208

OPERATIONS

Chart 4.1 - Net Resources Mobilized


209

Deposits under Urban Housing Fund segments in rural and urban areas. For the

(UHF) year 2019-20, an amount of ?10,000 crore has

been allocated under AHF. The total amount The Urban Housing Fund (UHF) was set up

received under AHF as on June 30, 2019 is in 2013-14 (in NHB) to enable PLIs to access

? 7,500 crore.funds for extending housing finance to target

segments in urban areas at cheaper rates. The Foreign Borrowings (AFD Loan):corpus of the UHF was contributed by SCBs

The Board in its 127th meeting (held on out of their priority sector lending shortfall. July 18, 2017) approved the borrowing of Quantum of funds to be contributed by each €100 million and grant of €12 million SCB and the applicable interest rate were consisting of €9 million for the reduction of determined by the RBI depending upon the interest cost and €3 million for the priority sector shortfall of the respective SCB. reimbursement of consultancy charges for Tenure of the deposits under UHF is seven NHB SUNREF Housing Program’s technical years. Since inception, total amount of assistance from AFD, France under ?10,500 crore were received under the UHF. Sustainable Use of Natural Resources and The total outstanding under UHF as on Energy Facility in the Residential Sector June 30, 2019 is ?10,500 crore.(SUNREF). During the year 2018-19, the

Deposits under Affordable Housing Fund Bank had drawn the entire Line Of Credit (AHF) amount €100 Million and grant portion of €9

million. CRISIL has been nominated as the The Hon’ble Union Finance Minister in the

consul tant f i rm in charge o f the Union Budget for 2018-19 announced the

implementation of NHB-SUNREF Housing establishment of a dedicated fund in NHB

Program’s technical assistance.known as Affordable Housing Fund (AHF),

financed from priority sector lending

shortfall and fully serviced bonds authorized Chart 4.2 depicts the instrument-wise break-by the GoI. The AHF corpus shall be up of NHB’s outstanding borrowings of contributed by SCBs having shortfall in ?63,500 crore as on June 30, 2019. Amounts achievement of their priority sector outstanding under different instruments are targets/sub-targets. The purpose of the AHF given in Appendix III.shall be to support the refinancing operations

of NHB for affordable housing to the target

4.1.2 Outstanding Borrowings

210

4.2 Refinance

4.2.1

4.2.2

Amendments in the LRS over the years have

made it more versatile. The broad features of The refinance facility for PLIs was the LRS are -

started in 1989 by NHB. During initial years,

separate refinance schemes were formulated • Incorporation of Internal Credit Rating

for Housing Finance Institutions (HFIs) and Model (ICRM);

Scheduled Banks (SBs), which have • Multiple Interest rate options like fixed, undergone several amendments, based on

floating, maturity based;feedback received from various stakeholders

in sync with the overall market. Refinance • Refinance assistance for prospective disbursements had shown steady increase

disbursements;due to pro-active responses to market

players, and also application of segmented • Concessions in interest rate to target

approach to stakeholders needs.segments under single window;

In 2003, the NHB announced the launch • Refinance under specific concessional

of an integrated product called Liberalized funds like RHF and UHF, at cheaper rates

Refinance Scheme (LRS) for HFCs and SBs, with on-lending interest rate caps.

with built-in risk mechanism and pricing.

OPERATIONS


211

4.2.3 Refinance business of NHB intends to PLIs have contributed to the evolution of a

serve a widely diverse market, both in terms new housing finance eco-system.

of geography as well as socio-economic

segments. NHB has encouraged and

incentivized the PLIs to improve and Refinance disbursements of ?25,177 crore

strengthen the grass root credit delivery were made during the year FY2018-19. network for housing finance across the About 85 percent of the disbursements were country, particularly for the low and middle for loan size upto ?25 lakh. Three HFCs were income group segments. These measures added to the refinance client list. Institution-have facilitated the PLIs, especially HFCs in wise refinance disbursements to various their long term resources.categories of PLIs during the last three years

is shown in Appendix IV. Scheme-wise and NHB partnered with var ious

Slab-wise refinance disbursements in international development agencies to

2018-19 are shown in Appendix V and channelize institutional credit flow for

Appendix VI respectively.energy efficient and green housing, low

income and informal income segments, etc. Refinance disbursements to various Refinance schemes introduced by NHB, categories of PLIs during the last five years aimed at supporting and incentivizing the are shown in Chart 4.3.

4.2.5 Disbursements

4.2.4

Chart 4.3 - Refinance Disbursements - Institution Category-wise

(in ? crore)

4.2.6 Cumulative Disbursements individual housing loans. Percentage-wise

break-ups are shown in Chart 4.4. Institution Till June 30, 2019, the Bank made cumulative category-wise cumulative refinance as on refinance disbursement of ?2,36,704 crore to June 30, 2019 is given in Appendix VII.various categories of PLIs, in respect of their

212

Chart 4.5 - Refinance Outstanding - Institution Category-wise

(in ? crore)

4.2.7 Outstanding of the Bank as on June 30, 2019 was ?69,095

crore, with share of HFCs at ?50,145 crore (73 Bank’s outstanding refinance increased by

percent). The trend in outstanding refinance 17.67 percent as on June 30, 2019 in

to various categories of PLIs in the last five comparison to 7.15 percent increase as on

years is given in Appendix VIII, and in the June 30, 2018. Further, outstanding refinance

Chart 4.5.

PERFORMANCE

4.2.8 Trend of Refinance Disbursement

and Refinance Outstanding

4.2.9 Rural Housing Fund

refinance assistance to PLIs in respect of their

housing loans extended to borrowers in rural

areas belonging to Weaker Sections (as The trend in Bank’s Refinance Disbursement

specified in the Master Directions on Priority and Refinance Outstanding to various

Sector Lending - Targets and Classification categories of PLIs is captured in the Chart 4.4

by RBI), Women, and rural population with and Chart 4.5. It may be noted that in the

annual income not exceeding ?3 lakh. Chart 4.4 and Chart 4.5. Banks include

Further, to ensure that the intended benefit of Private Sector, Public Sector, Foreign Banks

lower interest rates was passed on to the and Regional Rural Banks while others

ultimate borrowers, on-lending interest rates include Urban Co-operative Banks (UCBs),

were capped. The RHF was operational from Small Finance Banks (SFBs), Agriculture and

2008-09 to 2017-18. Under the RHF, refinance Rural Development Banks (ARDBs) and

assistance of ?31,311 crore was extended to Apex Co-operative Finance societies

PLIs in respect of 19.47 lakh dwelling units. (ACHFs).The cumulative disbursements under RHF

are shown in Chart 4.6. The institution

category-wise break-ups are given in The RHF was utilized for extending

Appendix IX.


213

Am

ou

nt

(in

? c

rore

)

* Since FY 2018-19, RHF and UHF have been merged into AHF

214

4.2.10 Urban Housing Fund people with annual household income not

exceeding ?6 lakh, based on the income The purpose of the UHF was to provide

ceiling under EWS and LIG categories. refinance assistance in respect of housing

Further, to ensure that the intended benefit of loans extended by PLIs in urban areas for the

lower interest rates reached the ultimate construction / purchase of dwelling units,

borrowers, on-lending rates were capped. repairs / renovation /up-gradation of

The UHF was operational from 2013-14 to dwelling units and for incremental housing.

2017-18. Under the UHF, refinance assistance The eligible loan size was up to ?20 lakh (?28

of ?10,500 crore was extended to PLIs in lakh in metropolitan centres with population

respect of their individual housing loans to of ten lakh and above) disbursed on or after

2.15 lakh urban households. The cumulative April 01, 2011 against the dwelling unit of

disbursements under UHF are shown in carpet area upto 60 sqm or the cost of

Chart 4.7. The institution category-wise dwelling upto ? 25 lakh (? 35 lakh in

break-ups are given in Appendix X.metropolitan centres). The UHF catered to


OPERATIONS


215

4.2.11 Affordable Housing Fund

4.2.12 Special Urban Housing Refinance Scheme for Low Income Households (WB-ULIH) (Refinance Scheme launched under the NHB-WB Urban Low Income Housing Project)

Development Association (IDA), under

which, IDA provided a $100 million Pursuant to the announcement in the Union

equivalent Credit to the GoI. IDA also Budget 2018-19, the Affordable Housing

entered into an agreement with NHB for the Fund (AHF) was set up in National Housing

implementation of the project, which Bank with a corpus of ?10,000 crore to

included extending refinance in respect of provide refinance assistance to PLIs in housing loans to informal segments and respect of their individual housing loans to households with annual income upto ?3 lakh target segments in rural and urban areas. The

per annum. Refinance was provided by NHB fund shall be utilized for refinancing the

to the PLIs in respect of their housing loans, eligible individual housing loans sanctioned

which were secured either through collateral and disbursed on or after April 01, 2017. The

of property financed or were alternatively AHF caters to the individual borrowers in the

secured. Refinance assistance was provided urban areas with annual household income

under the Scheme to PLIs in respect of their not exceeding ?6 lakh, whereas in the rural

housing loans in the urban areas extended to areas, to women, weaker sections (as defined low income household either directly or in the RBI’s priority sector guidelines) and through intermediaries like MFIs (having individual borrowers with annual proper systems and procedures for appraisal household income not exceeding ?3 lakh. and follow-up of housing loans including Further, to ensure that the intended benefit of qualified staff for handling such loans to the lower interest rates reaches the ultimate satisfaction of the concerned PLI), for the borrowers, on-lending interest rates have following purposes:been capped, PLI category wise. Under the

• construction / purchase of new dwelling AHF, refinance assistance of ?7,694.90 crore unitshas been extended to the PLIs during the year

2018-19, in respect of their individual • purchase of existing dwelling unitshousing loans to around 1.37 lakh

households falling under urban and rural • repairs / renovation / extension / up-

areas. The PLI category wise utilization gradation of existing dwelling units

along with the total number of dwelling units The WB-ULIH was operational from FY2013-14

is given in Appendix-XI.to FY2018-19. During FY2018-19, an amount

of ?24 crore was disbursed to various PLIs.

Cumulative disbursements of ?612 crore

facilitated the construction /up-gradation of

16,100 dwelling units.

Government of India (GoI) entered into an

agreement wi th the In ternat iona l

216

4.3 Project Finance

4.3.1

4.3.2

4.3.3

projects, low cost housing projects for the

poor, construction houses for people affected National Housing Bank extends loans

by natural calamities etc. along with project and advances to eligible entities for

finance through general fund.residential housing projects under section

The financial assistance under the 14(ba) of the National Housing Bank Act, project finance window is extended to 1987. Since inception, the Bank has taken various public agencies like State Housing various initiatives under the project finance Boards, State Slum Clearance Boards/ window with an endeavour to facilitate the Authorities, Development Authorities, increase in overall housing stock in the Municipal Corporations and Urban Local country with special emphasis on the Bodies etc. for undertaking residential housing needs of the economically weaker housing projects. The financial assistance has sections (EWS) and low income group (LIG) been extended to commercially viable segments. Initially, NHB had extended projects in accordance with the Bank’s policy financial assistance for land development and the RBI guidelines. and shelter projects (LDSP) and housing

infrastructure undertaken by Housing Cumulatively, till June 30, 2019, the

Boards, Development Agencies and Co-Bank has sanctioned project finance facilities

operative Housing Societies under its to 449 projects with project cost of ?10,228

refinance window. Subsequently, the Slum crore and loan component of ?5,722 crore. Improvement and Low Cost Housing Fund T h e c u m u l a t i v e p r o j e c t f i n a n c e was established in NHB for project finance disbursement till June 30, 2019 stood at under the Voluntary Deposits (Immunities ?2,406 crore. The trend of NHB’s Project and Exemptions) Act, 1991. The said Fund Finance disbursement is shown in has been used for financing slum clearance Chart 4.8:

Chart 4.8 - Project Finance Disbursements (in ? crore)

OPERATIONS


217

4.3.4 4.3.5 As on June 30, 2019 the Bank had an During the year 2018-19, the Bank as a

outstanding project finance exposure of part of its recovery efforts made follow ups

and recovery visits, thereby recovering non-?97.67 crore to 10 agencies which included

performing assets (NPAs) aggregating to exposure to Housing Boards, State Housing

?0.43 crore, with no fresh slippage of loan Corporations and Micro Finance Institutions

(MFIs). Gross NPAs as on June 30, 2019 into NPA category. The outstanding NPA

amounted to ?4.18 crore which were on reduced to ?4.18 crore as on June 30, 2019.

account of exposure to five MFIs. The movement of Gross NPAs under project

Disbursements under Project Finance-Year- finance during last six years is shown in

wise are given in Appendix XII. Chart 4.9:

Chart 4.9 - Movement of Gross NPA in Project Finance (in ? crore)

4.4 Regulation and Supervision

4.4.1

4.4.2

public deposits. Of the 18 HFCs, with

permission to accept public deposits, 6 are The Bank regulates and supervises the

required to obtain prior written permission Housing Finance Companies (HFCs) as per

from NHB before accepting any public provisions of the National Housing Bank

deposits. The updated list of HFCs granted Act, 1987. As on June 30 2019, the total

the CoR is available on NHB’s website.number of HFCs registered with NHB stood

at 101, of which 18 HFCs have been granted NHB’s regulation and supervision is

the Certificate of Registration (CoR) with aimed at preventing the affairs of any HFC

permission to accept public deposits and the being conducted in a manner detrimental to

balance 83 without permission to accept the interest of the public and shall not be

218

prejudicial to the operations and the growth were carried out in respect of registered

of the housing finance sector of the country. HFCs to ascertain their compliances with

As a part of regulations, NHB has issued various regulatory provisions of the NHB

Directions, Guidelines and Circulars to the Act, 1987, Directions, Guidelines, Circulars,

HFCs and their auditors, from time to time. etc. issued thereunder by NHB, from time to

To ensure safety and soundness of HFCs, time.

NHB has a robust monitoring system which Off-site Surveillance

includes on-site inspections and off-site

surveillance of HFCs both through periodic The Bank carries out off-site surveillance of returns submitted by HFCs and also by way HFCs by monitoring and scrutinizing of market intelligence. periodic returns submitted by HFCs which

includes quarterly, half yearly and annual

returns as prescribed in the NHB Directions.

Penalties NHB granted Certificate of Registration

(CoR) to 7 HFCs during the FY 2018-19 and In order to regulate the HFCs in an efficient the list of such HFCs is given in Appendix manner NHB also penalizes HFCs for (i) non- XIII. maintenance of liquid assets (ii) non-

submission of information/returns (ii) non-During the year, Lodha Housing Finance compliance of NHB Directions etc. During Pvt. Ltd and Capital First Home Finance the year, 19 Housing Finance Companies Limited surrendered their CoRs.were penalized for various non-compliances.

NHB supervises the functioning of HFCs

through on-site inspections, market Notifications

intelligence and off-site surveillance

mechanisms, through periodic returns / 1. Notification No. NHB.HFC.DIR.21/ information and their verification. MD&CEO/2018 dated July 12, 2018 -

Amendment to Paragraph 2 and 32 of the On-site Inspections

Housing Finance Companies (NHB)

Directions, 2010 NHB conducted on-site inspection of 46

HFCs during FY 2018-19, of which 6 • Definition of “companies in the same

inspections were carried out under Section group” specified under paragraph 2 of

29A of the NHB Act, 1987 for grant of CoR the HFCs (NHB) Directions, 2010

based on application submitted by the

companies. The remaining 40 inspections • Paragraph 32 of the HFCs (NHB)

4.4.3 Registration / Cancellation of

Certificate of Registration Granted to HFCs

4.4.4 Supervision of HFCs4.4.5 Notifications, Circulars, and Caution

Advices Issued

OPERATIONS


219

Directions, 2010 was amended to the foreign investor.

effect that in determining the ceiling of • Paragraph 5 was amended to the effect Concentration of credit/ investment,

that Requirement of Prior Public Notice investments of a HFC in shares of its about change in control / management is subsidiaries and companies in the same not appl icable in the event of group; the book value of debentures, acquisition/transfer of shareholding of bonds, outstanding loans and advances 10 percent or more and less than 26 (including hire-purchase and lease percent of the paid up equity capital of finance) made to, and deposits with-the HFC by/to a foreign investor.subsidiaries of a HFC and companies in

the same group to the extent they have 3. Notification No. No.NHB.HFC.LA-been reduced from owned funds for the 2/MD&CEO/2019 dated May 25 2019 - calculation of net owned fund, shall be Maintenance of a minimum percentage of excluded. However, the exposure of a liquid assetsHFC to group companies involved in real

• The requirement of minimum liquid estate construction/purchase and sale of assets to be maintained by HFCs against real estate activities is subject to the the public deposits held by them in general ceiling applicable under the unencumbered approved securities, in credit/investment concentration norms.terms of the provisions of Section 29B of

2. Notification No. NHB.HFC.ATC.DIR.2- the National Housing Bank Act, 1987, MD&CEO-2018 dated July 19, 2018 - increased from 6 percent to 6.5 percent. Amendment to Paragraph 3 and 5 of Accordingly, the overall requirement of Housing Finance Companies – Approval of liquid assets to be maintained by public Acquisition or Transfer of Control deposit holding HFCs increased to 13.0 (National Housing Bank) Directions, 2016 percent as against 12.5 percent earlier.

The increased requirements became • Paragraph 3 of the captioned Directions effective from June 03, 2019. was amended to the effect that prior

approval of NHB for acquisition or 4. Notification No. NHB.HFC.DIR.22/ transfer of control of HFCs is also MD&CEO/2019 dated June 17, 2019 - required for any change in the Amendment to Paragraph 3 and 30 of the shareholding of an HFC accepting/ Housing Finance Companies (NHB) holding public deposits, including Directions, 2010 progressive increases over time, which

• Paragraph 3 of the HFCs (NHB) would result in acquisition / transfer of Directions, 2010 was amended to the shareholding of 10 percent or more of the effect that an HFC can accept public paid up equity capital of the HFC by/to a

220

deposits upto three times of its NOF, were advised to complete filing of

which was previously upto five times of records with CERSAI in respect of all the

NOF. subsisting transactions with reference to

the instructions issued by CERSAI from Further, the cap on deposits inclusive of time to time by March 31, 2019. HFCs also

public deposits for HFCs was revised advised to ensure meticulous compliance from sixteen times of NOF as under: in the matter of registration of the

applicable records with the CERSAI on i) fourteen times of its NOF on or after an ongoing basis.March 31, 2020;

2. To facilitate the ongoing process relating ii) thirteen times of its NOF on or after to reporting of frauds in HFCs and to March 31, 2021 andstrengthen the reporting and monitoring

iii) twelve times of its NOF on or after s y s t e m r e l a t i n g t o f r a u d u l e n t March 31, 2022. transactions reported by HFCs,

G u i d e l i n e s o n R e p o r t i n g a n d • Paragraph 30 was amended to the effect

Monitoring of Frauds in Housing that every HFC shall, maintain a

Finance Companies have been minimum capital ratio consisting of Tier-

introduced by NHB vide Policy Circular I and Tier-II capital not be less than:

NHB (ND)/DRS/Policy Circular

No.92/2018-19 dated February 05, 2019i) 13 percent on or before March

31, 2020; 3. NHB (ND)/DRS/Policy Circular

No.93/2018-19 dated February 15, 2019 ii) 14 percent on or before March 31, 2021

on Disclosure of penalty levied by and

N a t i o n a l H o u s i n g B a n k o n

contravention/ default of regulatory iii) 15 percent on or before March 31, 2022 requirements- In addition to the and thereafter of its aggregate risk disclosure requirements specified under weighted assets and of risk adjusted paragraph 29(6) of the HFCs (NHB) value of off-balance sheet items.Directions, 2010, HFCs advised to

Further, the Tier-I capital, at any point of prominently display on their website any time, shall not be less than 10 percent. penalty levied on the company by the

National Housing Bank (NHB). Further, Policy Circulars

HFCs whose shares are listed on any of

1. NHB (ND)/DRS/Policy Circular No.91/ the stock exchanges shall also ensure that

2018-19 dated January 21, 2019 on Filing disclosure in this regard is made to the

of Security Interest in CERSAI - HFCs stock exchange(s) within two working

OPERATIONS


221

days of the receipt of NHB letter levying NHB - HFCs advised to furnish a

penalty on the company. quarterly report to the NHB along the

lines of Annexure- VI of the Reserve Bank 4. NHB (ND)/DRS/Policy Circular

of India (RBI) Master Circular-Detection No.94/2018-19 dated March 11, 2019 on

and Impounding of Counterfeit Notes Guidelines on ‘Know Your Customer’ &

dated July 02, 2018, as amended from ‘Anti Money Laundering Measures’ for

time to time, and similar instructions HFCs- The Guidelines on 'Know Your

issued by RBI, beginning the quarter Customer' and' Anti-Money Laundering

ended September 30, 2018. Measures' for HFCs issued by NHB and

the circulars issued subsequent thereto 2. NHB (ND)/DRS/Misc . Circular from time to time were reviewed by the No.20/2018-19 dated Feb 05, 2019 on NHB in the light of subsequent Instructions to all Housing Finance

developments including amendments in Companies - It has been recognised that

the Prevention of Money Laundering greater diligence is required on matters

Act, 2002(PMLA) and the Prevention of such as reporting, disclosures, ALM,

Money-Laundering (Maintenance of controls and inter-company transactions.

Records) Rules, 2005(PML Rules). HFCs have been advised to, inter-alia,

5. NHB (ND)/DRS/Policy Circular • ensure requisite compliance with the No.95/2018-19 dated May 29, 2019 on regulatory directives (National Housing R i s k M a n a g e m e n t S y s t e m - Bank Act, 1987, Directions, Circulars, and Appointment of Chief Risk Officer - Guidelines etc.); While the Boards of HFCs should strive

• put in place adequate systems and to follow best practices in risk controls commensurate with the scale of management, the requirement for HFCs operations with particular reference to with asset size of more than ?5000 crore to exposure on high value Builder Loans, appoint a Chief Risk Officer (CRO) with construction finance, loan against clearly specified role and responsibilities. property and other non-housing loans;The CRO is required to function

independently so as to ensure highest • review their ALM practices as part of the standards of risk management. overall system for effective risk

management in various portfolios and Miscellaneous Circularensure the required reporting to NHB;

1. NHB (ND)/DRS/Misc . Circular • ensure effective management of No.19/2018-19 dated Aug 13, 2018 on

operational risk including technology Detect ion and Impounding of

risk as outlined in Information Counterfeit Notes- Reporting of data to

Technology Framework for HFCs ; v) Master Circular – Housing Finance

Companies – Auditor’s Report (National • ensure that Fair Practice Code is adopted Housing Bank) Directions, 2016;

in letter and spirit;

vi) Master Circular – Housing Finance • give primacy to timely resolution of Companies – Approval of Acquisition or

grievances; Transfer of Control (National Housing

Bank) Directions, 2016;• to make all applicable disclosures on

exposure to subsidiaries & associates as vii)Master Circular – Housing Finance per the accounting standards and Companies – Corporate Governance regulatory requirements; (National Housing Bank) Directions,

2016• ensure meticulous compliance in the

matter of registration of the applicable All the Notifications, Circulars and records with the CERSAI on an ongoing Guidelines etc. issued by NHB to Housing basis; Finance Companies and their Auditors, from

time to time, are available on the NHB • put in place a reporting system for website. recording frauds as stipulated in the

NHB guidelines on the subject. To provide value to the stakeholders, a

Complaint Redressal Cell (CRC) is operating Master Circulars - Master Circulars issued in NHB, to redress the grievance of the on July 1, 2019 consolidated the instructions customers of HFCs. The 24x7 online portal issued to HFCs in the form of Directions, viz. Grievance Registration & Information Notifications, and Circulars, etc. during Database System (GRIDS) enables customers 2018-19:of the HFCs to have their grievances

i) Master Circular – The Housing Finance redressed in a transparent and efficient Companies (NHB) Directions, 2010; manner. The Grievance Redressal Policy as

reviewed by the Bank in December 2017 is ii) Master Circular – Housing Finance

available in the public domain in NHB Companies issuance of Non-Convertible

website. The online portal has been Debentures on private placement basis

upgraded to meet the demands of increasing (NHB) Directions, 2014;

number of customers who avail this facility

from across the country. NHB is also a iii) Master Circular – Fair Practice Code;member Organization of the Centralized

iv) Master Circular – Miscellaneous Public Grievance Redress and Monitoring Instructions to all Housing Finance System (CPGRAMS) of Department of Companies; Administrative Reforms and Public

4.4.6

222

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223

Grievance (DARPG) of the Government of Bank on grievance redressal mechanism to

India and Integrated Grievance Redress sensitize the HFCs on effective Grievance

Mechanism (INGRAM) launched by the Redressal at all levels of operations.

Department of Consumer Affa i rs ,

Government of India, aimed at providing all

the citizens with platform for redressal of NHB issues Caution Advices to all the HFCs their grievances for better governance. As on the lines of similar information being directed by the Union Ministry of Consumer shared by the RBI/ Indian Banks Association Affairs to bring awareness among all to member banks. HFCs are required to registered Housing Finance Companies submit information on fraudulent (HFCs) and to become the convergence transactions to NHB on a quarterly basis. partners with National Consumer Helpline Information received from HFCs is shared (NCH), all HFCs were advised to get with all HFCs along with the modus registered themselves with National operandi and causative factors involved. The Consumer Helpline (NCH) as convergence measure is aimed at helping in instituting partners, to forward the complaints received checks and balances among the various by National Consumer Helpline directly to lending institutions, the larger objective the concerned companies to ease the process being to prevent occurrence/ recurrence of of redressal of these complaints. frauds in the housing sector. In 2018-19, 3

caution advices were issued by NHB totalling During the financial year 2018-19, a

102 fraudulent transactions reported by HFCs.total of 6640 complaints were received and

67605 were resolved and 2708 complaints

were pending. Appeal filing process against

the closure of complaint has been made NHB continued the process of coordination

online to speed up the process. The Bank has with other Regulatory Authorities through

issued a comprehensive list of FAQs both its participation in State Level Coordination

under PMAY CLSS and on general housing Committee meetings convened by the RBI loans to create awareness among customers and attended by State Police Department, and also to educate the customers on State Government through its Ministries/ contentious issues like reset of interest rates, Department, Economic Offences Wing, types of interest rates viz., floating and fixed, Registrar of Companies, Company Law documentation of loans, pre-closure of Board, Securities and Exchange Board of housing loans, eligibility conditions under India, Institute of Chartered Accountants of

PMAY CLSS etc. In the financial year 2018- India etc. During the year 2018-19, NHB

19, two workshops were conducted by the participated in 18 SLCC meetings at various

4.48 Issuance of Caution Advices

4.4.7

4.4.9 Coordination with Other Regulatory Bodies

6 includes 3,673 pending complaints of previous FY

224

regions. NHB is also attending inter • Cent Bank Home Finance Limited

regulatory meetings convened by RBI/IRDA (CBHFL), a Housing Finance Company

on issues w.r.t. HFCs and their group registered with NHB. It is a subsidiary of

companies. Central Bank of India. NHB has 16

percent stake in CBHFL since 1991. The

total investment made by NHB in the

HFCs have certain obligations under the equity share capital of CBHFL as on

Prevention of Money Laundering Act, 2002 June 30, 2019 is ?5.10 crore. (PMLA) including reporting of large cash

• Central Registry of Securitization Asset and suspicious transactions to FIU-IND as Reconstruction and Security Interest of Cash Transaction Report (CTR) and India (CERSAI). It is a company licensed Suspicious Transaction Report (STR). NHB under Section 25 of the Companies Act. sensitizes this issue during various The object of the CERSAI is to maintain interactions and inspections of the HFCs.and operate a Registration System for the

HFCs overall performance in terms of purpose of registration of transactions of Paid-up Capital, Net Owned Fund and securitization, asset reconstruction of Outstanding Housing Loans is given in financial assets and creation of security Appendix XXIII. interest over property, as contemplated

under Chapter IV of the Securitization

and Reconstruction of Financial Assets The NHB has been mandated to operate and Enforcement of Security Interest

as a principal agency promoting housing Act, 2002 (SARFAESI Act). The total finance institutions to improve and investment made by NHB in the equity strengthen their credit delivery network. share capital of CERSAI as on NHB not only develops new products and June 30, 2019 is ?2.44 crore.promotes new institutions, but also

• Tamil Nadu Infrastructure Fund continuously engages in capacity building of Management Corporation Limited participating institutions in housing and (TNIFMC), an Asset Management housing finance sector. The Bank also acts as Company incorporated under the Nodal Agency in implementation of Companies Act, 2013 and has been Central/State Governments Programmes/ promoted by Tamil Nadu Investment Schemes.Development Board (TNIDB), which is a

Statutory Board set up for development

of infrastructure in Tamil Nadu and

governed by TNIDB Act, 2012. The total NHB has extended its financial support in investment made by NHB in the equity the form of equity participation to the share capital of TNIFMC as on following Housing Finance Companies /

June 30, 2019 is ?5.40 crore.Institutions:

4.4.10 KYC and AML activities

4.4.11

4.5 Promotion and Development

4.5.1

4.5.2 Equity Participation and Sale of Equity Stake by the Bank

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225

• India Mortgage Guarantee Corporation subvention of 1percent was provided on

Private Limited (IMGC) was set up by all individual housing loans of upto ?10

NHB, Genworth Financial Mauritius lakh, provided the cost of the unit did not Holdings Limited (Genworth), Asian exceed ?20 lakh. From FY 2011-12, the D e v e l o p m e n t B a n k ( A D B ) a n d Scheme was extended for housing loans International Finance Corporation (IFC). upto ?15 lakh, where the cost of house did The total investment by NHB in the not exceed ?25 lakh. The Scheme was equity share capital of IMGC as on

implemented through SCBs, RRBs and June 30, 2019 is ?76 crore. HFCs. From 2012-13, NHB was

designated as the CNA for the • Small Industries Development Bank of implementation of the Scheme. The India (SIDBI) is the principal financial Scheme was in operation for the period institution for the promotion, financing starting from October 01, 2009 to and development of micro, small and March 31, 2013, and NHB has disbursed medium enterprise (MSME) sector and total subsidy of around ?816 crore for for co-ordination of functions of the about 18 lakh transactions based on the institutions engaged in similar activities. claims submitted by 95 PLIs. (34 SCBs, 30 NHB has 4.89 percent stake in SIDBI since RRBs and 31 HFCs)29.12.2017. The total investment made

by NHB in the total paid up equity capital • Interest Subsidy Scheme for Housing of SIDBI as on June 30, 2019 is ?642.20 the Urban Poor (ISHUP) - To improve crore. the affordability of housing loans

amongst the population belonging to During the FY 2018-19, the Bank disinvested EWS/LIG segments in urban areas, its entire equity stake in SEWA Grih Rin Ministry of Housing & Urban Affairs Limited (SGRL) and Mahindra Rural (MoHUA), GoI launched the Scheme Housing Finance Limited (MRHFL). Details from December 26, 2008 to September 30, of the stake sale carried out are tabulated in 2013. Under the Scheme, interest subsidy Appendix XIV.of 5 per cent per annum for whole

duration of the loan (15-20 years) was

provided on loans up to ?1 lakh extended

to EWS/LIG beneficiaries by the Primary • 1% Interest Subvention Scheme – To Lending Institutions (PLIs). The stimulate demand for credit for housing maximum loan amount was ? 1 lakh for a in the lower & middle income segment of

population in the country, Department of EWS individual and ?1.60 lakh for a LIG Financial Services (DFS), Ministry of individual. The interest subsidy was F i n a n c e , G o v e r n m e n t o f I n d i a provided on NPV and upfront basis. The introduced interest subvention scheme of Scheme was implemented through Banks 1percent on 01-10-2009. An interest and HFCs. The Scheme envisaged the

4.5.3 Participation in various Government Programmes

226

appointment of State Level Nodal Yojana (RRY), 28 (Twenty Eight) MoUs

Agencies (SLNAs) by various States to were signed by Primary Lending

facilitate the identification and selection Institutions (PLIs) with NHB. Till

of eligible beneficiaries for effective June 30, 2019, subsidy claims of ?56.31

implementation. NHB was designated as lakh have been disbursed to 231 Central Nodal Agency (CNA) for beneficiaries through 5 PLIs. In terms of implementation of the Scheme. The the communication F No. 14013/9/2014-Scheme ceased to exist on 30-09-2013. Till H/FTS-11839 dated April 16, 2015 from 30-06-2019 subsidy claims of ?12.48 crore MHUPA (now MoHUA), GoI the Scheme of

has been disbursed to 12,318 beneficiaries Rajiv Rinn Yojana (RRY) has ceased to exist.

through 19 PLIs. • With a view to promote the use of solar

• Rajiv Rinn Yojana (RRY) – The Ministry energy in the domestic context, the

of Housing and Urban Affairs (MoHUA), Ministry of New and Renewable Energy

GoI revised the Interest Subsidy Scheme (MNRE), GoI, has implemented the

Capital Subsidy Scheme for Installation and renamed it as Rajiv Rinn Yojana of Solar Water Heating and Solar (RRY), as an additional instrument for Lighting Systems in Homes under its addressing the housing needs of Jawaharlal Nehru National Solar Mission EWS/LIG segments in urban areas with ( JNNSM). The Scheme a ims a t increase in limit of eligible housing loans popularizing the use of solar water from ?1 lakh to ?5 lakh. Rajiv Rinn Yojana heating and solar lighting systems in is effective from October 01, 2013. Under homes by offering suitable incentives in RRY, the amount of loan was revised up the form of capital subsidies for purchase to ?5 lakh for EWS and ?8 lakh for LIG and installation of the solar systems. beneficiaries. However, the interest NHB has been designated as a nodal subsidy was made available for a agency for administering and monitoring maximum ?5 lakh for both categories of the Scheme. The Scheme has commenced

beneficiaries. The eligible lending from April 1, 2014 and loans disbursed on

institutions under the Scheme were SCBs, or after April 1, 2014 are eligible to be

HFCs and RRBs. NHB and HUDCO were covered under the Scheme. The Scheme

the 2 nodal agencies under the Scheme. was valid till December 31, 2015, or such

An Interest Subsidy of 5 percent was extended period as may be allowed by

provided to the eligible borrowers the MNRE. An amount of ?52.35 crore has availing housing loans from the financial been received by NHB from MNRE. The institutions, on quarterly basis for the Capital Subsidy Scheme for Solar Water loan tenure of 15-20 years. Income of the Heating Systems was discontinued by borrowers was to be certified by State MNRE w.e.f. October 1, 2014. However Level Nodal Agencies as per the the subsidy is continued for solar home Guidelines of MoHUA. Under Rajiv Rinn

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227

lighting system on the same terms and the purpose of home improvement,

conditions as were originally sanctioned construction, acquisition and purchase of

by MNRE. In case of solar home lighting new or second hand dwelling units of

system, the amount of subsidy is limited size upto 430 sq. ft. (40 sq. m.). The

to 40 percent of the benchmark cost for Guarantee Cover available under the

units up to 300 watts capacity and 30 Scheme is to the extent of 90% of the

percent of the benchmark costs for units sanctioned housing loan amount up to ?2

above 300 watts to 1000 watts. The lakh and 85% of the sanctioned loan benchmark cost is prescribed by MNRE amount above ?2 lakh. The major Banks from time to time. The institutions and HFCs have already entered into eligible to participate in the Scheme agreements to implement this initiative include HFCs, SCBs, RRBs, UCBs, of the GoI. As on June 30, 2019, 80 ACHFS and ARDBs. NHB has signed institutions have signed MoU with the MoUs with seven institutions comprising Trust under the Scheme, and the Trust of 1 PSB, 1 Private Sector Bank, 3 HFCs has issued guarantee cover in respect of and 2 RRBs under the scheme. Till June 1,990 loan accounts of 15 Member 30, 2019, an amount of ?30.64 crore (net of Lending Institutions (MLIs) involving a refunds) was disbursed by NHB to 2 total loan amount of ?56.71 crore for Banks, 2 HFCs and 2 RRBs for 18,979 EWS/LIG households. These MLIs beneficiaries. include 10 SCBs, 4 HFCs and 1 RRB.

• The Credit Risk Guarantee Fund Trust • Pradhan Mantri Awas Yojana (PMAY) for Low Income Housing (CRGFTLIH) under the Mission “Housing for All by was set up by the MoHUA, GoI on May 1, 2022”: Housing for All by 2022 has been 2012 to ensure better flow of institutional implemented under two broad categories credit for housing in urban areas to cater namely Pradhan Mantri Awas Yojana to the needs of the targeted segments (Urban) and Pradhan Mantri Awaas (EWS/LIG borrowers). The Trust is being Yojana (Gramin).managed by NHB. The CRGF Scheme

Pradhan Mantri Awas Yojana (Urban) - provides guarantee for all housing loans Credit Linked Subsidy Scheme (CLSS):

up to ?8 lakh sanctioned and disbursed Promotion of affordable housing for

by the lending institutions (effective from weaker section through Credit Linked

October 1, 2014), subject to guarantee Subsidy Scheme (CLSS) is one of the four

cover limited upto ?5 lakh only. When the verticals under PMAY (U), which has

Scheme was launched all housing loans been implemented through PLIs viz.

up to ?5 lakh were eligible without any SCBs, HFCs, RRBS, Co-operative Banks, collateral security and/or third party Small Finance Banks (SFBs) and Non-guarantee to the borrowers in the Banking Financial Company-Micro EWS/LIG categories in urban areas for Finance Institutions (NBFC-MFIs). NHB

228

has been identified as a Central Nodal ?10,155 crore from GoI, MoHUA, for the

Agency (CNA) by the GoI, MoHUA to implementation of the Scheme. Out of implement the CLSS vertical of PMAY. this fund and interest earned thereon, the The CLSS vertical is one of the important NHB has made total disbursements components of the Housing for All (Subsidy Released + Processing Fees - Mission and is a Central Sector Scheme. Subsidy Refund) of ?10,060.13 crore (loan The CLSS now covers two categories disbursement amounting to ?48,499.50

7namely CLSS for Economically Weaker crore) to 159 PLIs benefitting 4,33,856 Section/Low Income Group (CLSS for households. EWS/LIG) and CLSS for Middle Income

CLSS for MIG: This Scheme is effective Group (CLSS for MIG). The details of from January 01, 2017. The CLSS for MIG CLSS for EWS/LIG and CLSS for MIG are covers two annual income segments viz. given below.above ?6 lakh and upto ?12 lakh under

CLSS for EWS/LIG: The Scheme was MIG-I and above ?12 lakh and upto ?18

launched on June 17, 2015 and shall be lakh under MIG-II. In the MIG-I, an

implemented upto March 31, 2022. interest subsidy of 4 percent has been

Households belonging to EWS (with provided for loan amount up to ?9 lakh

annual income upto ?3 lakh) and LIG while in MIG-II, an interest subsidy of 3

(with annual income more than ?3 lakh percent has been provided for loan

and upto ?6 lakh) seeking housing loans amount upto ?12 lakh. Earlier, GoI,

from Banks, HFCs and other such MoHUA had increased the existing

notified institutions would be eligible for carpet area limit for MIG-I from 90 sqm to

an interest subsidy at the rate of 6.5 120 sqm and for MIG-II from 110 to

percent for maximum tenure of 20 years 150 and the above limit are further

or the actual tenure of the loan whichever revised from 120 to 160 for MIG-

is less (upto December 31, 2016, I and from 150 to 200 for MIG-II.

maximum tenure was 15 years).As on June 30, 2019, 209 PLIs, comprising

As on June 30, 2019, 218 PLIs, comprising 8of 89 HFCs, 18 PSBs , 18 Private Sector 7of 91 HFCs, 18 PSBs , 17 Private Sector

Banks, 34 RRBs, 33 Co-operative Banks, Banks, 39 RRBs, 35 Co-operative Banks, 9

10 Small Finance Banks and 7 NBFC-MFI Small Finance Banks and 9 NBFC-MFIs

have signed MoUs with NHB as CNA have signed MoU with NHB as CNA and

and NHB has received the advance NHB has received the advance subsidy of

subsidy of around ?4,113 crore from GoI,

sqm

sqm

sqm sqm

sqm sqm

7 State Bank of Bikaner & Jaipur (SBBJ), State Bank of Mysore (SBM), State Bank of Travancore (SBT), State Bank of

Patiala (SBP), State Bank of Hyderabad (SBH) and Bhartiya Mahila Bank (BMB) have merged with SBI w.e.f. April 1,

2017. Further, Dena Bank has also been merged with Bank of Baroda w.e.f. April 1, 2019.8 Dena Bank has been merged with Bank of Baroda w.e.f. April 1, 2019.

OPERATIONS


229

MoHUA, for the implementation of the and drinking water [e.g. Swachh Bharat

Scheme. Out of this, the Bank has made Abhiyan toilets, Ujjwala Yojana LPG gas

total disbursement (Subsidy Released + connection, Saubhagya Yojana electricity

Processing Fees-Subsidy Refund) of connection and Jan Dhan banking

facilities, etc.]. The houses are allotted in around ?4,001 crore (loan disbursement

the name of the woman or jointly amounting to ?42,404.09 crore) to 137 between husband and wife. The PLIs benefitting 1,89,508 households.construction of the houses is the sole

Till June 30, 2019, NHB has conducted 25 responsibility of the beneficiary and regional workshops for signing of MoUs engagement of contractors is strictly & implementation of the Scheme to prohibited. Sanitary latrine and sensitize the PLIs. The objective of the smokeless chullah are required to be workshops is to interact with SLNA and constructed along with each IAY house PLI officials to get their queries clarified for which additional financial assistance for the scheme implementation. The is provided from "Total Sanitation workshops were held in Guwahati (2), Campaign" and "Rajiv Gandhi Grameen Chennai, Mumbai (2), Raipur, Bengaluru (2), Vidyutikaran Yojana" respectively. Bhopal, Hyderabad, Lucknow, Patna,

Rural Housing Interest Subsidy Scheme Srinagar, Thiruvananthapuram, Ranchi, (RHISS): Pradhan Mantri Awas Yojana - New Delhi (5), Ahmedabad, Kolkata, Gramin (PMAY-G) for rural areas has Kohima, Ernakulam and Itanagar.been launched from April 1, 2016 with an

Rural Housing: The last few years have objective to provide a pucca house with witnessed increased spending on the basic amenities to all houseless and government-funded rural housing households living in kutcha houses by programme, the Pradhan Mantri Awaas 2022. However, to ensure that adequate Yojana-Grameen (PMAY-G) (which resources are made available to such replaced the erstwhile Indira Awaas households which requires construction Yojana). The Centre’s allocation to /modification of their dwelling units and PMAY-G rose from ?13,200 crore in 2013- have not been covered under PMAY-G,

Ministry of Rural Development (MoRD), 14 to ?23,000 crore in 2017-18 (revised GoI has launched the Rural Housing estimates). Under the PMGAY scheme, Interest Subsidy Scheme (RHISS) under financial assistance worth ?1,20,000 in Housing for All by 2022 to provide plain areas and ?1,30,000 in difficult areas easy access to institutional loan to are provided for construction of houses. needy households for construction The houses built under the Scheme are /modification of their dwelling units converged with other Schemes and who are not covered under PMAY (U). equipped with facilities such as toilet, The beneficiaries, eligible to receive LPG connection, electricity connection, central assistance under this Scheme, will

230

include any rural household who do not As part of its research initiatives, NHB has

appear/figure on the permanent waitlist undertaken many research studies in

for PMAY-G and have not availed benefit associat ion with reputed research

under PMAY (U). The Scheme is effective institutions for the development of housing

from 19-06-2017 and beneficiaries would and housing finance market. These research

be eligible for an interest subsidy at the studies have helped in developing new

products and in applying renewed thrust on rate of 3 percent for loan amount up to ?2 policies and directions, for the overall lakh for maximum tenure of 20 years or development of housing and housing the actual tenure of the loan whichever is finance sector. lesser, with the NPV discount rate of 9

percent . RHISS will cover entire India, A study commissioned on “Property excluding the statutory towns as per Insurance in New and Existing Housing” by Census 2011 and towns subsequently engaging the Insurance Institute of India covered under PMAY - Urban. It will be (III), Mumbai has been completed. The implemented through PLIs viz. SCBs, study, examines the insurance requirements HFCs, RRBs, Co-operative Banks, Small of the housing sector and existing property Finance Banks and NBFC-MFIs. NHB has insurance policies available in India to meet been identified as the CNA by the GoI, the specific needs of the sector. It captures the MoRD to implement the RHISS vertical evolution and market structure of property of Housing for All Mission. In the month insurance in India , ident i f ies the of September-October 2018, NHB had impediments, and suggests strategies for undertaken a pilot project on RHISS in various stakeholders through specific consultation with PLIs and submitted recommendations. The recommendations data received from select PLIs to MoRD include creation of insurance awareness in and MoRD accordingly in consultation the market; strict implementation of issued amendments to the Scheme provisions under section 16 of RERA; need Guidelines vide letter dated 26-04-2019. for designing simpler policies; simplifying Further, as on 30-06-2019 NHB has claim settlement process, devising sector executed MoU with 88 PLIs for specific grievance redressal systems; implementation of the Scheme. extension of benefits like relaxations in

regulatory provisions for the primary

lending institutions etc.4.5.4 Research Studies

Box 4.1 - Property Insurance in New & Existing Housing

As part of research initiatives, NHB commissioned a study on “Property Insurance in New & Existing Housing” for capturing the evolution of property insurance in India, identifying the impediments in the system and reasoning the causes for low penetration. The Bank engaged the services of Insurance Institute of India, Mumbai (III) for undertaking the study.

The Study Report examines the insurance requirements of the housing sector and the existing

OPERATIONS

property insurance policies available in India to meet the specific needs. As per the study, stIndia with 3.69 percent insurance penetration ranks 41 among the 88 countries studied by

Swiss Re. While globally, the proportions of Life insurance premiums vs Non-Life insurance premiums were 54.32 percent and 45.68 percent, in India, the share of Life insurance was at 74.73percent as against 25.27percent for Non-Life insurance. Based on the observations/findings of the study, the report has identified 15 aspects of significance in respect of the property insurance of new and existing housing and presents specific recommendations for expanding the property insurance market in India.

Recommendations:

• Housing projects need to be properly protected by appropriate insurance policies through strict implementation of provisions under section 16 of RERA which mandates the promoter to obtain all such insurances notified by the Government in respect of the construction of the real estate project.

• The housing finance industry may be informed about the newly introduced products like Title Insurance and Inherent Defects Insurance. The report has also highlighted the importance of other insurance products viz. Fidelity Guarantee, Public Offering of Security Insurance (POSI), Employees’ Compensation Insurances etc. which can provide cover to various players in housing industry against different risks.

• The study has suggested that the insurers need to augment their efforts in designing simpler policies, so that it becomes easier for house-owners to do business with them, minimize documentation, simplify claims settlement systems and procedures, address customer concerns in simple words, make insurance services available and accessible to those beyond the mainstream, make insurance pricing more transparent, design customer friendly package products and devise sector specific grievance redressal systems.

• The sum insured of the property may compulsorily represent the breakup of all components involved (such as the value of building/ construction, compound wall, installations, furniture & fixtures etc.), indicating the details of insurance protection offered for each component.

• The Insurance Regulator may make it mandatory for every insurance company to have standardized insurance solutions giving common minimum protection at a more or less comparable price.

• The Report also recommended extension of benefits like income tax relief, token reduction of rate of interest to consumers and relaxations in regulatory provisions to the primary lending institutions in order to promote property insurance.

The other Study on “Impact of changes in neutral model for enabling affordable

Stamp Duty and Registration Charge on housing for all” commissioned to IIM-

residential property, and suggest a revenue Bangalore is underway.


231

4.5.5 NHB-RESIDEX

Transformation of NHB-RESIDEX

4.5.6 Training and Capacity Building

4.5.7

indices are computed using Laspeyres

Methodology, followed by calculation of a

Four Quarter Weighted Moving Average

with application of dynamic weights at NHB RESIDEX, India’s first official housing product category level and static base year price index (HPI), was launched in July, 2007, weights on the weighted moving average to track the movement in prices of residential product category level prices, across all the properties in select cities on quarterly basis, quarters starting from the base year. taking 2007 as the base year.

A NHB RESIDEX Technical Advisory With a view to reflect the current Committee monitors progress of the project macroeconomic scenario, NHB RESIDEX has and guides in developing new systems/ been revamped to include cluster of indices processes for the preparation and with the updated base year (FY 2017-18 is the publication of the indices. It consists of new base year), revised methodology and representatives from GoI, RBI, NHB, PLIs automated processes. The geographic and NAREDCO, and academics/experts. coverage is spread across 21 states in India,

including 18 State/UT capitals and 33 smart

cities. The revamped NHB RESIDEX – HPI

covers 50 cities under two housing price As part of its promotional mandate, National

indices viz. HPI@Assessment Prices and Housing Bank has endeavored towards

HPI@Market Prices for under construction development and capacity building of the

properties. NHB RESIDEX also includes housing finance institutions. The same is

Composite HPI@Assessment Prices and done inter-alia through general and

Composite HPI@Market Prices for Under specialized training programmes, seminars

Construction Properties for 50 cities and has and symposiums.

been released till the quarter ended March During the year 2018-19, NHB 2019. HPIs details from the quarters January -

conducted 12 training programmes across March 2018 to January - March 2019 are India, with more than 437 participants from available as Appendix XVI and XVII. The 50 Housing Finance Companies, Scheduled cities coverage is spread across 21 states in Commercial Banks, Regional Rural Banks India, including 18 State/UT capitals and 33 and Small Finance Banks. Eight residential smart cities. The HPIs track the movement in programmes and four non-residential prices of residential properties on a quarterly programmes were conducted pan India. The basis, taking FY 2017-18 as the base year. The average duration of training programmes housing prices are classified on the basis of was 2-3 days. The programmes were on a carpet area size at city level for units under wide spectrum of topics from orientation three product category levels namely <=60 programmes on housing finance to sqm, >60 & <=110 , and >110 . The sqm sqm

232

OPERATIONS

specialised programmes on Rural Housing awareness about the housing and housing

Finance, Regulatory Framework, and finance sector and the role of NHB

Prevention of Fraudulent Practices in amongst the housing finance institutions

Housing finance, etc. The programme and public in large. The CCC undertakes

schedule and training material of each various activities on a regular basis and

programme was carefully designed taking acts as interface between industry bodies

into consideration the needs and demands of and supports them through knowledge

the sector along with the participant profile inputs and support as also participating

and feedback of the previous programmes. and co-sponsoring select events relating

Experts from the industry and academia to the housing finance sector.

functioned as faculty for the programmes. • The Bank has been featured in national

As a new initiative during the year and regional media, both electronic and

2018-19, NHB conducted an exclusive print, from time to time for its activities

training programme in the north eastern part and contributions in the housing finance

of the country. The programme was sector. Further, in sync with the time and

designed specifically for participants of the importance of social media as an effective

north eastern areas and covered challenges channel for communication, the website

and opportunities in the north eastern part of of the NHB is integrated with social media

the country. Further, NHB to encourage like Facebook, Twitter and LinkedIn. All-

women participation in the training important releases are updated on these

programmes conducted a programme on channels as soon as they are published on

emerging landscapes of housing finance for the website.

women officers in the month of March 2019.

The programme saw active participation and

included sessions on leadership and women • The World Habitat Day (WHD) is along with housing finance sector specific celebrated globally under the UN topics. Customized programs sensitizing Declaration every year on the first officers about affordable housing, CLSS and Monday in October. In 2018, WHD was PMAY were conducted for various HFCs on celebrated at Vigyan Bhawan on their request in Rajasthan and Gujarat. 05.10.2018. The theme of WHD 2018 was

‘Municipal Solid Waste Management’

with focus on Swachh Bharat Mission.

• NHB as part of its statutory and Every year, NHB participates in the WHD

promotional mandate intends making the celebrations. This year, Special Edition of

general public aware of its initiatives and Aawas Bharti magazine was released by

schemes. NHB through its Corporate Shri Hardeep Singh Puri, Minister of

Communication Cell undertakes creating Housing & Urban Affairs (MoHUA) in the

4.5.8

4.5.10 World Habitat Day Celebrations

4.5.9 Corporate Communication


233

WHD 2018 function. NHB also organized Foreign Exchange Risk - borrowings of

painting competition for children at the Bank from overseas institutions attract

schools in New Delhi. The themes given foreign exchange risk.

were “Mera Ghar” for children of junior Operational and Other Risks - the risk of wing (upto Class V) and “Hamara Bharat loss arising from inadequate or failed Swachh Bharat” for children of senior wing internal processes, people, systems (Class VI and above). Prizes were given to and/or from external events, including the winners in the WHD 2018 function at legal risk.Vigyan Bhawan.

To mitigate and monitor the above risks, • As part of the celebrations, NHB in NHB has its Risk Management System in collaboration with IHC organized the 11th place. For this purpose the Bank has edition of the “Habitainment Quiz” based constituted the following Committees :on the theme of “Solid Municipal Waste

Management” for institutional members • Rating Committee for awarding risk and individual members of IHC. More rating of existing clients as well as new than 160 teams participated in the quiz. clients

• Asset Liability Management Committee

(ALCO) for monitoring the management NHB’s business operations bears the of liquidity risk and interest rate riskfollowing risks -

• Credit Risk Management Committee Credit Risk - the risk arises when (CRMC) for monitoring the credit risk borrowers will fail to discharge their

repayment obligations and thereby cause • O p e r a t i o n a l R i s k M a n a g e m e n t a financial loss. Committee (ORMC) for monitoring the

operational riskLiquidity Risk - the risk arising from

Bank’s inability to meet net funding • Special Mention Accounts Committee requirements. This may be because of (SMAC) for monitoring of special market disruptions or downgrade of mention accountscredit ratings, which may cause certain

NHB also has in place a Board sources of funding to become unavailable.

appointed Risk Management Advisory Interest Rate Risk - the risk arising from Committee (RMAC) with two external re-pricing and/ or maturity mismatches members who are experts in banking and between the assets and liabilities, thus finance. During the year, the Committee met impairing our net interest income. four t imes to review NHB’s r i sk

management policies and functions in

4.6.2

4.6 Risk Management

4.6.1

4.6.3

?

?

?

?

?

234

OPERATIONS

relation to the three areas of risk i.e. Market Application, MS Lync, Websense, File

Risk, Credit Risk and Operational Risk. Servers, etc. on 24x7 basis for its employees.

The Bank has setup a Storage Area Network During the year the activities (SAN) with expanded capacity, whereby

undertaken by the Department were high speed storage is connected to various 104 Credit Ratings, 45 Loan Reviews, servers over fiber network for efficient data 25 ALCO Meetings, 4 SMA Meetings, 4 flow from storage to servers for onward CRMC Meetings, 4 ORMC Meetings, 28 servicing of requests generating from Rating Committee Meetings, 4 RMAC client/users. The Bank has enabled last mile Meetings, timely compliance of RBI’s IT infrastructure connectivity with dual observations, mid-office work viz. daily power connectivity facility at its Head Office valuation of trading book, preparation of premises. The Bank’s IT system and weekly agenda for Fund Management and infrastructure is regularly being upgraded Investment Committee (FMIC), daily /replaced with the guidance and advice reporting of Net Overnight Open Position received from the Information Technology (NOOP) to Senior Management and timely Committee. During the year 2019-20, the review of Policies of the Bank. Bank is planning to migrate to Office 365, and

implement dashboard through BI tools to New initiatives taken during the year improve seamless information flow and ease are appointment of consultant for of analysis.development/upgradation of credit rating

model of the Bank and appointment of

consultant for work related to foreign

To provide focused attention on IT borrowing, derivatives and policies relating

implementation in the Bank, the Information to market risk.

Technology Policy (ITP) has prescribed the

formation of the Information Technology

Committee (ITC). The ITC comprises of the The Bank has committed for creative heads of operations departments, including and innovative use of information the IT Department and external IT technology. Towards this end, it provides a experts/senior functionaries from other secure and reliable technology infrastructure organizations as its Members, and the for improving efficiency and productivity. Executive Director of the Bank as the The Bank provides 24x7 online facilities like Chairman. The ITC provides directions and Website, GRIDS, ORMIS, RESIDEX and oversees the IT implementation activities in CLSS portals to its stakeholders. The Bank the Bank.facilitates the availability of SAP employee

portal, Virtual Office, Internet Protocol (IP)

Telephony System, Exchange Mail

4.6.4

4.6.5

4.7.2 IT Committee

4.7 Information Technology

4.7.1


235

4.8 Human Resources

4.8.1

4.8.2

4.8.3 Recruitments, Appointments and

Transfers

i) 43 officers attended the in-house training

programme on Operational Risk NHB aims at recruitment and retention

Management. of skilled, well balanced and motivated

officers and is committed to continuous ii) As a part of Information Security (IS)

development of its employees through on- Audit exercise, the Bank has organized a

the-job training and participation in in-house training session on Information Security

as well as external training courses and for its Officers.

conferences and seminars.iii)To enable Officers to submit their

To upgrade skills and enhance their reimbursement claims through e-

proficiency, NHB deputed its officers for platform, the Bank has conducted a

various external training and management training/handholding session on SAP-

development programmes offered by Employee Self Service (ESS) portal.

reputed institutions and also in in-house

training programmes.

• 16 officers attended training programmes • Recruitment process for 15 Scale I Officers

at various institutes such as National and 01 post of Executive Director was

Institute of Bank Management (NIBM), initiated.

Centre for Advanced Financial Research

and Learning (CAFRAL), Institute of • Bank has appointed Nodal Officer for Public Enterprise, Administrative Staff Central Economic Intelligence Bureau College of India, Institute of Management (CEIB), Liaison Officer for Economically S t u d y , L u c k n o w , M a n a g e m e n t Weaker Sections (EWSs) to monitor the Development Institute, Gurgaon, implementation of reservation for EWSs, National Academy of Human Resource Compliance Officer for the Bank and Development. G r i e v a n c e R e d r e s s a l O f f i c e r i n

compliance to Securities and Exchange • 3 officers were deputed to international

Board of India (SEBI) - Listing Obligations programmes in various countries.

and Disclosure Requirements (LODR)

Regulations 2015.• 1 workshop on sensitization of officers

was conducted on the subject of • Job rotation / transfers were effected for

prevention of sexual harassment of all officers who had completed 03 years in

women at workplaceone post.

• The fol lowing in-house training

programmes were organized by the Bank:

236

OPERATIONS

4.8.4 The Key Committees of the

Department are as given below:

4.8.7

4.8.5

4.8.8 Other activities undertaken during the

year are:4.8.6

of SCs, STs, and OBCs as on June 30, 2019 is

given in Appendix XV.

• Staff Accountability Committee Employee Engagement Activities viz.

Annual Day, Women’s Day Celebrations, • Internal Advisory Committee

Swachhata Pakhwada etc.:

• Direct Purchase Committee• An event was organized on the occasion of

30th Annual Day of NHB on July 09, 2018. • Staff Benevolent Fund Management In this event, officers were taken through Committeevarious milestones achieved by NHB in its

• Purchase Approval Committee 30 years of journey and challenges/

opportunities lying ahead before the • NHB (Employees’) Pension Trust

organization in general and housing

finance sector in particular were • Committee for prevention of sexual discussed.harassment of women at workplace

• Bank celebrated Independence Day by Sexual Harassment Committee has decorating Bank’s premises.been constituted for considering complaint

relating to sexual harassment of women at • Under the Swacch Bharat Abhiyan -

the workplace, as per provisions of the Swachhata Pakhwada 2019, officers of the

Sexual Harassment of Women at Workplace Bank undertook cleanliness drive in office

(Prevention, Prohibition and Redressal) Act, premises as well as around their

2013. No compliant was received during the residential complex in Jangpura and

year 2018-19. Further, NHB has organized Vasant Kunj. In addition to the cleanliness

one workshop to educate and sensitize the drive, the Bank also carried out plantation

staffs on conduct that constitute sexual activity in order to make the environment

harassment under the Sexual Harassment of greener and cleaner.

Women at Workplace (Prevention,

Prohibition and Redressal) Act, 2013.

NHB’s guidelines/policies with respect

to Scheduled Castes (SCs), Scheduled Tribes • Reimbursement module for Officers has

(STs) and Other Backward Classes (OBCs) been made fully online with effect from

are in consonance with the guidelines issued August 01, 2018.

by the Government of India, wherever • Reservation Rosters upto 2017 were applicable NHB uploads the f inal

prepared and the same was inspected by Reservation Rosters on its website as per DFS, Ministry of Finance, GoI.Government directions. The representation


237

• Two Regional Representative Offices their respective TOLIC. A special issue is

(RROs) at Bhopal and Chennai were also being published by the Bank every

closed during the year. year on the occasion of World Habitat

Day, which is unveiled every year in the • Delegated Financial Powers for the Bank program of World Habitat Day organized

were reviewed. in Vigyan Bhawan. For the special issue

articles are invited from all public sector

banks/financial institutions/housing During the financial year 2018-19, the finance companies and officers and

Bank has continued its efforts to employees of the Housing Boards located strengthen the implementation of Official in different States and each published Language Policy in its offices. Bank has article is also rewarded. This year Bank prepared the effective plan to achieve the organized Hindi Hasya Vyangya Kavita targets of the Annual Program of Financial writing competition on 24th October, 2018 Year 2018-19 received from the for the member offices of TOLIC under the Department of Official Language, aegis of Delhi Bank TOLIC.Ministry of Home Affairs, GoI. In this

Incentives are implemented in the Bank r e g a r d , t h e O f f i c i a l L a n g u a g e

for the purpose of encouraging the use of Implementation Committee of the Head

Hindi in daily activities. Hindi Noting Office and Regional/Representative

Incentive Scheme has been implemented Offices reviewed and monitored the

to encourage officials working in the Bank progress of implementation of the Official

to write notes in Hindi. Hindi competition Language.

is also organized every two months to

make officials comfortable to work in In order to ensure maximum use of Hindi. In addition, the use of Unicode in Hindi, the Bank has notified its all the Bank was promoted and the officers Regional/Representative Offices under were trained to use the available rule 10 (4) of Official Language Rules, software/facilities for working in Hindi 1976. Online updation of quarterly on computers. In compliance of the progress report on the portal of the Official instructions of Government of India, the Language Department, Home Ministry Bank celebrated Hindi month in August-is ensured by all the Regional/ September 2018 during which various Representative Offices of the Bank.competitions were organized and the

Meetings of the Official Language winners were rewarded. On the occasion

Implementation Committee are held in all of the “Hindi Maas”, the “Chal Vaijayanti”

Regional/Representative Offices of the trophy is awarded to the Department in

Bank and offices also ensured the regular the Head Office which performs best in

participation in the meetings organized by

4.9 Rajbhasha

4.9.1

4.9.4

4.9.2

4.9.3

238

OPERATIONS

the daily usage of Hindi every year. automation software LIBSYS.

The GRIDS Portal, which is used by Information Technology which is an

customers to register their grievances integral part of Knowledge Centre has

against the Housing Finance Companies made availability of information to more

and Bank's website has also been prepared users at affordable cost & it saves valuable

in bilingual. During the year, the Mumbai space also. All the functions of

Regional Office of the Bank was inspected Knowledge Centre are managed through

on February 16, 2019 by the Parliamentary library automation software LIBSYS, thus

Official Language Committee's Articles making it a fully automated library. A

and Evidence Sub-Committee. substantial collection of Knowledge

Centre is in the form of e-books in various The Bank has progressed in the field of formats like PDF, EPUB etc. on CD-ROMs,

implementation of the Official Language and Kindle’s e-book reader. Knowledge and has received various level rewards Centre has also availed the membership of during the year. For the year 2017-18, leading libraries such as British Council Bank's Hindi in-house magazine 'Aawas Library.Bharti', has been awarded third prize by

the Reserve Bank of India and First prize Bank is also publishing the e-

from TOLIC (Delhi). Further, Bank also newsletter for the officers to apprise them

got the third prize for best performance in with the developments in the sector. Daily

the implementation of Official Language Press Clippings are uploaded on Intranet

Hindi in the category of Financial Portal to keep officers updated about

Institutions for the year 2017-18 from the H o u s i n g , B a n k i n g , E c o n o m i c

Delhi Bank Town Official Language developments etc. and articles on Housing

Implementation Committee. are also being circulated through News

Letter.

Knowledge Centre has a unique Knowledge Centre was established in

c o l l e c t i o n o f m o r e t h a n 7 0 0 0 Head Office to facilitate acquiring

Books/Bound Journals/Reports and additional knowledge and application

more than 30 Reputed International and through effective dissemination of

National Journals/Magazines on information. Since the inception of

subjects like Housing and Housing Knowledge Centre in 1989 it has seen

Finance, Banking, Economics, General many changes, it has transformed itself

Management, Law, Leadership, Quantitative from manually managed to fully

M e t h o d s , R u r a l D e v e l o p m e n t s , automated library through library

Microfinance, Information Technology

4.9.5 4.10.2

4.9.6

4.10.3

4.10 Knowledge Centre

4.10.4 4.10.1


239

etc. in English and Hindi Language. Vigilance Awareness Week was observed

Along with above books Knowledge in National Housing Bank. The Vigilance

Centre also has a collection of various Awareness Week was observed from 29th

reports and publication of various reputed October to 3rd November, 2018 on the

institutions such as RBI, International theme “Eradicate Corruption - Build a

Monetary Fund, World Bank, IUHF. New India (Hkz"k`kpkj feVkvks& u;k Hkkjr cukvks)”.

The Vig i lance Awareness Week Knowledge Centre has started to commenced with the administration of

donate the old newspapers and pledge by our MD & CEO and the magazines to an NGO named Society for Executive Director. The Pledge was Rural Urban and Tribal Initiative. recited in both Hindi & English language

to all officers of the Bank. The Bank had A process of acquiring newspapers/ also organised an open interactive session magazines of various regional languages with special emphasis on this year’s like Tamil, Telugu, Odia, and Bengali has vigilance awareness theme.also been initiated for the benefit of

officers belonging to different states of the The Vigilance department of the Bank Country. had organized various events like

Drawing & Painting competition, Essay

Writing, Inter-departmental Debate etc. Compliance in any institution plays an during this week. All the officers & their essential role. A healthy, positive family members took active participation compliance culture within the institution in these events. The winners, decided by minimizes the risk of regulatory failure. In the panel of judges, of these events were order to achieve this and a sound awarded. Consolation prizes were also organizational structure in NHB, a given to select participants. The posters separate Compliance Cell has been and the Banners were displayed at created. The function of the Compliance prominent places of the Bank’s Head Cell is to ensure strict observance of all Office (HO).statutory provisions contained in various

legislations as well as to ensure

observance of other regulatory guidelines To confer citizens a right to secure access issued from time to time and also NHB's to the information under the control of internal policies and Fair Practices Code. public authorities and to promote

transparency and accountability in the

working of every public authority, the In accordance with the directives of Right to Information Act 2005 was enacted

Central Vigilance Commission, the by the Parliament. As per the guidelines of

4.10.5

4.10.6

4.12.2

4.11 Compliance Cell

4.13 RTI Cell

4.12 Vigilance Cell

4.12.1

240

OPERATIONS

the RTI Act, CPIO was nominated in the

Bank in the month of September 2005.

Thereafter RTI cell was established to Regional Office (RO) at Mumbai and the

assist CPIO in dealing all matter Regional Representative Offices (RROs) at

pertaining to RTI application/appeal various places play an important role in the

received through all channels (online and achievement of the NHB’s Vision, Mission

offline).and Objectives. The RO and RROs are closely

involved in liaising and coordination at the RTI applications and appeals received local level within their geography. They during the year, replied during the year provide vital support to the financing, and pending, if anyresource raising, capacity building and other

functions to the Head Office.

To strengthen and streamline the audit

activities, All Audit Department has

implemented Audit Framework of the Bank *includes 26 RTI replies of previous FY

prepared by the consultant and auditor M/s **includes 7 Appeal replies of previous FY

KPMG after receiving approval of the ACB

and the Board. The Audit framework

includes Audit Policy, Risk Registers, Gap The Bank’s CSR efforts are aimed towards R e p o r t a n d A u d i t C h a r t e r . T h e developmental and welfare activities, where implementation of Audit Framework will the impact achieved would be widespread. prove to be an important milestone During the FY 2018-19 (July-June), the Bank considering future plans of All Audit contributed ?1 crore each to Swachh Bharat Department, wherein all the audit processes Kosh and Clean Ganga Fund. are expected to be carried out under one

umbrella department.During the previous year, the Bank

contributed ?1 crore each to Swachh Bharat Further, in view of the increased incidents of

Kosh and National Skill Development Fund cyber-attacks worldwide and to comply with

(NSDF). The contribution made to NSDF is RBI guidelines on cyber security, department

being utilized for skill development training has initiated the process for implementation

and placement support for 290 youths in of Cyber Security Framework, Cyber Crisis

various job roles in the housing sector. Management Plan and setting-up of Cyber

Security Operation Centre (CSOC) to

strengthen the Information/data Security in

4.15 Regional Office and Regional

Representative Offices

4.16 Audit

4.14 Corporate Social Responsibility

Particulars Received Replied Pending as on 30.06.2019

RTI 1273 1210* 89ApplicationsRTI Appeals 107 105** 9


241

the Bank as also to mitigate the possible the Bank. The exercise is expected to be

inc idents o f Cyber Secur i ty . The completed in the current calendar year. M.M.

implementat ion of Cyber Securi ty Nissim & Co. (FRN: 107122W) is the

Framework will augment the existing Concurrent Auditor of NHB and KPMG is

Information Security infrastructure and will the Internal Auditor.

ensure safety of data / information assets of

242

OPERATIONS

CHAPTER 5: Way Forward

WINDOWS to the Future: Facing the Chapter of Future Outlook

5 Way Forward commercial borrowings also gathered pace,

but in a limited way. While the squeeze has Housing is a primary necessity in every

subsided, the PLIs complained about high economy and is a basic indicator of growth

cost of funds. The troubles at the NBFCs are and social well-being. Development of

asset liability mismatch, where short term housing is not just important to economic

borrowings are used to fund long term growth but can be considered as a tool to

assets. m e a s u r e e c o n o m i c d e v e l o p m e n t ,

considering the accelerator impact it has on HFCs have started strengthening their

various industries including construction liquidity buffers to meet any sudden market

and infrastructure sector. It generates disruptions and near-term debt obligations.

demand for supporting industries and leads Though banks have continued to disburse

to creation of job opportunities. home loans during the liquidity crisis faced

by NBFCs and HFCs, the slow progress of For any emerging economy, development of

HFCs had an impact on the housing finance the housing sector has its own challenges.

growth in the country. Thus, with the One of the biggest of these challenges is

liquidity situation now being resolved with access to finance. In most countries, the lower

different sops and measures, NBFCs and income segments of the population at the

HFCs are expected to restart disbursals and base of the pyramid remain unserved or

housing finance is again expected to pick up underserved by the formal housing finance

pace. system. The housing finance sector has been

on the fast lane and has been growing at 15 NHB has reviewed the situation and has also

percent. The home loan-to-GDP ratio in India closely monitored the situation. In view of

is currently at 10.6 percent. the above, NHB has increased the Refinance

Limit for the year 2018-19 (July 2018 to June The year has witnessed turmoil and skewed

2019) from ?24,000 crore to ?30,000 crore. The market sentiments in the NBFC and HFC

Bank disbursed ?25,177 crore through its sector leading to liquidity crunch and

various scheme under its refinance window thereby limiting the growth in the housing

during the FY19. About 85 percent of the finance disbursements. On account of the

disbursements were for loan size upto ?25 same, the cost of borrowings for the HFCs lakh.has been on the rise. Though the HFCs have

more or less retained their market share, In order to infuse liquidity in the Housing however, the access to funding will Finance system and also to cater the demand determine the growth prospects for HFCs. of HFCs to address the housing finance Many PLIs resorted to securitization to meet requirements in the affordable housing their liquidity requirements. External finance sector, the NHB in the month of

245


August, 2019 launched Liquidity Infusion The Committee on the Development of

Facility (LIFt) Scheme for Housing Finance Housing Finance Securitisation Market

Companies. The objective of this scheme was constituted by the RBI in May, 2019 has

to support HFCs in creating individual submitted its Report. The Report provides

housing loan portfolio that falls under the various recommendations for setting up of

priority sector, as defined by RBI. An amount vibrant securitization market by moving to a

broader issuance model from the present of ? 10,000 crore was initially allotted under

market which is primarily dominated by the Scheme. Subsequently, the limit was Direct Assignment with suitable structuring raised from ? 10,000 crore to ? 30,000 crore of the instruments for diverse investor under the revised LIfT Scheme.classes.

During the last three years (from FY 2016-17 The latest announcement pertaining to to FY 2018-19) a cumulative amount of setting up of a special window to provide last ?9,940.60 crore was disbursed (Subsidy mile funding for non-NPA and non-NCLT Released + Processing Fee- Subsidy Refund) housing projects is another measure to revive by NHB under PMAY-CLSS benefitting the economic growth by providing a boost to 4,26,755 EWS/LIG households. Of this, the housing sector. The Fund with a around 70 percent disbursement was made to contribution of ? 10,000 crore by the HFCs for providing subsidy to 2,96,514 Government and an equal contribution from EWS/LIG households. The disbursement to outside investors shall contribute towards Banks [including Co-operative Banks (Co-op completion of stalled projects. Banks), Regional Rural Banks (RRBs), Private

Sector Banks (Pvt. Banks) and Public Sector In the backdrop of robust demand for

Banks (PSBs)] constituted 30 percent of the affordable housing, measures announced by

total disbursement thereby benefitting the RBI and Government of India, the

1,30,241 households. housing finance sector continues to be

sustainable on stable lines.

246


ANNUAL ACCOUNTS

2018-19

(July, 2018 to June, 2019)

Directors’ Report

To The Members

stThe Directors are pleased to present the 31 Annual Report of National Housing Bank together

with the Audited statement of accounts for the year ended June 30, 2019.

1. Review of Financial Performance

During the FY 2018-19, (July-June) amidst tight liquidity conditions across the NBFC sector

including HFCs , the Bank succeeded in infusing timely liquidity to HFCs by disbursing ? 21,736

crore out of total disbursement of ? 25,177 crore to all eligible PLIs. Emphasis has been given on

Refinancing of smaller ticket size housing loans of less than ? 25 lakh which constitutes about 97

percent of the total disbursements. In addition to providing liquidity support to HFCs, the Bank’s

Refinance also encourages HFCs to intervene in the segment which is being catered to under the

GoI’s PMAY-CLSS programme.

The performance highlights of the Bank are tabulated below:

ParticularsFinancial Year 2017-18

(July to June)Financial Year 2018-19

(July to June)

Gross Income 4425.66 5275.55

Interest Income 4361.73 4994.07

Other Income 63.93 281.48

Total Operating Expenditure 3155.41 3465.43

(Gain)/Loss on account of foreign exchange 21.19 13.66

fluctuations

Operating Profit/Turnover 1249.06 1796.46

Provisions and Contingencies 81.38 481.99

Profit Before Tax 1167.68 1314.47

Provision for Tax/Deferred Tax 416.57 581.50

Profit After Tax 751.11 732.97

Net Interest Income 1285.47 1594.45

Gross Non Performing Assets 4.61 4.19

Net Non-Performing Assets 0.00 0.00

Paid Up Capital 1450.00 1450.00

Reserves and Surplus 6743.84 7480.93

Net Owned Fund 7687.69 8403.91

Return on Average Assets 1.22% 1.04%

Interest Coverage Ratio 1.38 1.39

Return on NOF 10.25% 9.10%

Net Interest Margin 2.08% 2.26%

(Amount in ? crore)

248

2. State Of Affairs

The National Housing Bank is a development financial institution established in 1988, under an

Act of Parliament viz., the National Housing Bank Act, 1987. NHB is to operate as a principal

agency for housing finance institutions and provide financial and other support to such

institutions. The main three functions of NHB are supervision, financing and promotion &

development. NHB’s business includes refinancing housing loans to individuals of HFCs and

SCBs and project financing public agencies and public private partnership entities for their

housing projects.

The regulatory powers of the Bank have shifted to Reserve Bank of India vide gazette notification thdated 9 August, 2019.

There has been no change in the business of the Bank during the financial year ended June 2019.

3. Details of Subsidiary, Joint Venture and Associate Companies

NHB does not have any Subsidiary, Joint Venture or Associate Company.

4. Loans and Investment

The Bank provides finance to the housing sector through two windows namely Refinance and

Project Finance. Through Refinance, Bank makes intervention in the demand side and through

the Project Finance window supply side interventions are achieved. During the FY 2018-19, Bank

has disbursed ?21,736 crore to Housing Finance Companies, ?3,300 crore to Scheduled

Commercial Banks including Regional Rural Banks and ?141 crores to Small Finance Banks.

In terms of the Bank’s disinvestment policy, during the FY, Bank had reviewed and disinvested its

entire holding of 17.64 lakh of equity shares amounting to ?2.11 crore in SEWA Grih Rinn HFL on

March 19, 2019 at ?4.62 crore. Further, the Bank also reviewed and disinvested its entire holding of

118.92 lakh of equity shares amounting to ?33.22 crore in Mahindra Rural Housing Finance

Limited on April 26, 2019 at ?286.78 crore. The sale of equity shares in above HFCs resulted in a

profit of

5. Amounts transferred to Reserves

During the FY 2018-19, an amount of ?178.74 crore has been transferred to Reserve Fund.

6. Number Of Board Meetings

During the FY 2018-19, the Board met seven times, the Audit Committee of the Board met four

? 256.07 crore.

249


times, the Executive Committee and the Human Resource Committee met three times each and

Regulatory Committee of the Board met two times.

7. Particulars of Contract and arrangement with Related Parties:

Please refer to Para 20 of the Notes to Accounts.

8. Explanation to Auditor’s remarks:

For the FY 2018-19, the Statutory Auditors have given unqualified report on the Bank’s

Financials and opined that there are no observations or comments on financial transactions or

matters which have any adverse effect on the functioning of the Bank.

9. Material changes affecting the financial position of the Bank:

There are no material changes and commitments affecting the financial position of the Bank

occurred between the end of the financial year to which this financial statement relates and the

date of this report.

10.Risk Management Policy

The Bank has in place a comprehensive Risk Management Policy approved by the Board. The

objective of Risk Management Policy of the Bank is:

1. To evolve a Risk Management System compatible with the nature and the size of the operation

and the risk management philosophy set by the Bank

2. To develop policies, procedures and practices to ensure that various risks are appropriately

identified, measured, monitored and managed.

3. To decide the level of risk the Bank should undertake, after its scientific measurement is done,

to achieve optimum return from its various business lines to enhance Bank’s profitability and

capital.

4. To ensure that comprehensive Risk Monitoring system is designed and implemented in order

to manage the risk within the level decided to achieve the planned optimum return.

11.Details of Directors and Key Managerial Personnel

As on 30-06-2019, apart from Managing Director, NHB appointed by the Government of India

under Section 6(1)(a) of the National Housing Bank Act, 1987, there were seven other directors

on the Board, as per the following composition:

250

ANNUAL ACCOUNTS

(i) one non-official Director appointed by the Central Government under Section 6 (1) (b) of the Act,

one non-official Director appointed by the Central Government under Section 6 (1) (c) of the Act,

(iii)one Director from among the Board of Directors of Reserve Bank of India, nominated by the

Reserve Bank of India under Section 6 (1) (d) of the Act, (iv) two Directors from amongst the

officials of the Central Government, appointed by the Central Government under Section 6 (1) (e)

of the Act, and (v) two Directors from amongst the officials of the State Government, appointed

by the Central Government under Section 6 (1) (f) of the Act.

Currently, the Board of Directors are:

Shri S.K. Hota, Managing Director, National Housing Bank

Shri Kamalkishore C. Jani, Part-Time Non-Official Director

Dr. Charan Singh, Part-Time Non-Official Director

Dr. Prasanna Kumar Mohanty, Central Board of Director, RBI

Shri Shiv Das Meena, Additional Secretary to the GOI, MoHUA

Shri Pankaj Jain, Additional Secretary to the GOI, Ministry of Finance, DFS

Shri Prasant Kumar, Additional Secretary to the GOI, Rural Housing, MoRD

12. Disclosures under the Sexual Harassment of Women at Workplace (Prevention,

Prohibition & Redressal) Act, 2013

The Bank has a policy on prevention, prohibition and redressal of sexual harassment at the

workplace. The Bank has in place a “Committee for Prevention of Sexual Harassment of Women

at Workplace”. The purpose of the Committee is primarily to ensure that women are provided

with a working environment that is comfortable and conducive to work and to ensure that there

is no sexual harassment in workplace. The Committee holds workshops periodically for its staff

with respect to sensitizing the staff of NHB on the subject of prevention of sexual Harassment of

Women at Workplace. During the year, no complaint was received by the Committee. There

were no pending complaints with the Committee as on June 30, 2019.

On behalf of the Board of Directors

New Delhi S. K. Hota

August 22, 2019 Managing Director

(ii)

251


INDEPENDENT AUDITOR'S REPORT

To

The President of India

Report on the Audit of the Standalone Financial Statements

Opinion

We have audited the standalone financial statements of National Housing Bank (“the Bank"), thwhich comprise the balance sheet as at 30 June 2019, the Profit and Loss, and cash flows

statement for the year then ended, and notes to the financial statements, including a summary of significant accounting policies and other explanatory information. In our opinion and to the best of our information and according to the explanations given to us, the aforesaid standalone financial statements give the information required by the National Housing Bank Act, 1987 in the manner so required and give a true and fair view in conformity with the accounting principles

thgenerally accepted in India, of the state of affairs of the Bank as at 30 June 2019, and profit/loss and its cash flows for the year ended on that date.

Basis for Opinion

We conducted our audit in accordance with the Standards on Auditing (SAs) issued by the Institute of Chartered Accountants of India (the ICAI). Our responsibilities under those Standards are further described in the Auditor's Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the Bank in accordance with the Code of Ethics issued by the Institute of Chartered Accountants of India together with the ethical requirements that are relevant to our audit of the financial statements under the provisions of the Act, and we have fulfilled our other ethical responsibilities in accordance with these requirements and the Code of Ethics. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Key Audit Matters

Key audit matters are those matters that, in our professional judgment, were of most significance in our audit of the financial statements of the current period. These matters were addressed in the

BANSAL & CO LLPCHARTERED ACCOUNTANTS

HEAD OFFICE : A-6, Maharani Bagh New Delhi-110065 PH. : 011-41626470-71 FAX : 011-41328425

E-mail: [email protected]

252

ANNUAL ACCOUNTS

context of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters.

For each matter below, our description of how our audit addressed the matter is provided in that context. We have fulfilled the responsibilities described in the “Auditor’s Responsibilities for the Audit of the Financial Statements", section of our report, including in relation to these matters. Accordingly, our audit included the performance of procedures designed to respond to our assessment of the risks of material misstatement of the financial statements. The results of our audit procedures, including the procedures performed to address the matters below, provide the basis for our audit opinion on the accompanying financial statements.

Key Audit Matters Auditors Response

Identification of Non-performing advances and provisioning of advances:

Advances constitute a significant portion of the Bank’s assets and the quality of these advances is measured in terms of ratio of Non¬Performing Advances (“NPA”)to the gross advances of the Bank. The Bank's net advances constitute 92.34 % of the total assets and the gross NPA ratio of the Bank is 0.01% as at June 30, 2019.The Reserve Bank of India’s (“RBI”) guidelines on Income recognition and asset classification (“IRAC”)prescribe the prudential norms for identification and classification of NPAs and the minimum provision required for such assets. The Bank is also required to apply its judgment to determine the identification and provision required against NPAs by applying quantitative as well as qualitative factors. The risk of identification of NPAs is affected by factors like stress and liquidity concerns in certain sectors.The provisioning for identified NPAs is estimated based on ageing and classification of NPAs, recovery estimates, value of security and other qualitative factors and is subject to the minimum provisioning norms specified by RBI.The Bank has detailed its accounting policy

Our audit approach towards advances with reference to the IRAC norms and other related circulars / directives issued by RBI and also internal policies and procedures of the Bank includes the testing of the following:

• Understanding, evaluating and testing the design and operating effectiveness of key controls (including application controls) around identification of impaired accounts based on the extant guidelines on IRAC.

• Performing other procedures including substantive audit procedures covering the identification of NPAs by the Bank. These procedures included:

• Considering the accounts reported by the Bank and other Banks as Special Mention Accounts (“SMA”) in RBI’s central repository of information on large credits (CRILC) to identify stress.

• Performing inquiries with the credit and risk departments to ascertain if there were indicators of stress or an occurrence of an event of default in a particular loan account or any product category which need to be considered as NPA.

• Reviewing account statements and other

253


Information Technology (“IT”) Systems and Controls

in this regard in Schedule XV- Significant a c c o u n t i n g p o l i c i e s u n d e r n o t e 5 Loans/Advances and Provision thereon.Since the identification of NPAs and provisioning for advances require significant level of estimation and given its significance to the overall audit, we have ascertained identification and provisioning for NPAs as a key audit matter.

related information of the borrowers selected based on quantitative and qualitative risk factors.

• Gained an understanding of the Bank's process for provisioning of advances.

Management's Responsibility for the Standalone Financial Statements

The Management is responsible for the preparation and fair presentation of these standalone financial statements that give a true and fair view of the financial position, financial performance, and cash flows of the Bank in accordance with the National Housing Bank Act, 1987 ('the Act’) and the Regulations framed there under for General Fund and for Special Fund in accordance with the provisions of National Housing Bank (Slum Improvement and Low Cost Housing Fund) Regulation, 1993, the accounting principles generally accepted in India, including the applicable Accounting Standards issued by The Institute of Chartered Accountants of India and applicable RBI guidelines as issued from time to time. This responsibility also includes maintenance of adequate accounting records in accordance with the provisions of the Act for safeguarding of the

• We focused our Audit on IT systems and controls that are significant to the Bank’s financial reporting.

• Obtained report related to information technology audit carried out by the subject matter expert engaged by the management and assessed the impact if any on our audit procedures. The report has not flagged any material issue impacting the financial reporting.

• We applied substantive audit procedure to ensure that areas where there are manual controls are operating effectively.

• During our Audit process, some unreconciled items in bank reconciliation were noticed. Though, the effect of those transaction was not material and will not have any impact in our opinion. However, these have been reported to the management.

The reliability and security of IT systems plays a key role in the business operations of the Bank. Since large volume of transactions are processed daily, the IT controls are required to ensure that applications process data as expected and that changes are made in an appropriate manner. These systems also play a key role in the financial accounting and reporting process of the Bank.Due to the pervasive nature and complexity of the IT environment we have ascertained IT systems and controls as a key audit matter.

254

ANNUAL ACCOUNTS

assets of the Bank and for preventing and detecting frauds and other irregularities; selection and application of appropriate accounting policies; making judgments and estimates that are reasonable and prudent; and design, implementation and maintenance of adequate internal financial controls, that were operating effectively for ensuring the accuracy and completeness of the accounting records, relevant to the preparation and presentation of the financial statements that give a true and fair view and are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, management is responsible for assessing the Bank’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless management either intends to liquidate the Bank or to cease operations, or has no realistic alternative but to do so.

Auditor’s Responsibilities for the Audit of the Financial Statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor's report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with SAs will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.

As part of an audit in accordance with SAs, we exercise professional judgment and maintain professional skepticism throughout the audit. We also:

• Identify and assess the risks of material misstatement of the financial statements, whether due to fraud or error, design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of internal control.

• Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by management.

• Conclude on the appropriateness of management’s use of the going concern basis of accounting and, based on the audit evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on the Bank's ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to draw attention in our auditor's report to the related disclosures in the financial statements or, if such disclosures are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our auditor’s report. However, future events or conditions may cause the Bank to cease to continue as a going concern.

• Evaluate the overall presentation, structure and content of the financial statements, including the disclosures, and whether the financial statements represent the underlying transactions and events in a manner that achieves fair presentation.

255


We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.

We also provide those charged with governance with a statement that we have complied with relevant ethical requirements regarding independence, and to communicate with them all relationships and other matters that may reasonably be thought to bear on our independence, and where applicable, related safeguards.

From the matters communicated with those charged with governance, we determine those matters that were of most significance in the audit of the financial statements of the current period and are therefore the key audit matters. We describe these matters in our auditor’s report unless law or regulation precludes public disclosure about the matter or when, in extremely rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of doing so would reasonably be expected to outweigh the public interest benefits of such communication.

Report on Other Legal and Regulatory Requirements

a) The Balance Sheet and the Profit and Loss Account and cash flow have been drawn up in accordance with the National Housing Bank Act, 1987 as amended ('the Act'), and the Regulations framed there under for General Fund and for Special Fund in accordance with the provisions of National Housing Bank (Slum Improvement and Low Cost Housing Fund) Regulation, 1993.

b) We have sought and obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purposes of our audit.

c) In our opinion, proper books of account as required by law have been kept by the Bank so far as it appears from our examination of those books.

d) The Balance Sheet, the Statement of Profit and Loss, and the Cash Flow Statement dealt with by this Report are in agreement with the books of account.

e) The transactions of the Bank, which have come to our notice, have been within the powers of the Bank.

f) In our opinion, the aforesaid financial statements dealt with by this report comply with the applicable Accounting Standards.

For Bansal & Co LLPChartered Accountants

Firm Reg. No. - 001113N/N500079

Place of Signature: New Delhi ndDate: 22 August 2019

D.S. Rawat(Partner)

(Membership No. 083030) UDIN: 19083030AAAAAX5435

256

ANNUAL ACCOUNTS

Yearly Accounts 2018-19

(July, 2018 to June, 2019)


Previous Year Liabilities Schedules Current Year

Balance Sheet

Amount in ` crore

1,450.00 1. Capital I 1,450.00

6,367.75 2. Reserves II 6,824.52

376.09 3. Profit and Loss Account III 656.41

7,858.53 4. Bonds and Debentures IV 10,840.55

36,190.01 5. Deposits V 40,591.80

8,637.06 6. Borrowings VI 12,056.42

340.60 7. Deferred Tax Liability (net) 428.60

2,017.18 8. Current Liabilities and Provisions VII 2,713.96

35.46 9. Other Liabilities VIII 35.46

0.06 10.HLA deposits with banks 0.06

63,272.74 TOTAL 75,597.78

and HFCs-as per contra

Sd/-R.K. Arvind

Regional Manager

Sd/-Mohit Kaul

Assistant General Manager

Sd/-Rakesh Awasthi

Chief Financial Officer

Sd/-Dr. Ashwani Kumar Tripathi

Executive Director

Sd/-S.K. Hota

Managing Director

Sd/-Pankaj Jain

Director

New Delhi, August 22, 2019

NATIONAL HOUSING BANK

258

ANNUAL ACCOUNTS

Previous Year Assets Schedules Current Year

1,208.12 1.Cash and Bank Balances IX 1,695.21

3,644.81 2.Investments X 3,501.07

57,683.62 3.Loans and Advances XI 69,805.21

37.21 4.Fixed Assets XII 32.90

698.92 5.Other Assets XIII 563.33

0.06 6.HLA deposits with banks and HFCs 0.06

- as per contra

thas at 30 June 2019

96.81 Contingent Liability XIV 144.95

Schedules I to XV form an integral part of accounts

Amount in ` crore

for Bansal & Co. LLPChartered Accountants

Firm Reg. No. 001113N/N500079

Sd/-(Dr. D. S. Rawat)

PartnerMembership No. 083030

As per our attached Report of even date

259


63,272.74 TOTAL 75,597.78

Sd/-R.K. Arvind

Regional Manager

Sd/-Mohit Kaul


Sd/-Rakesh Awasthi



Executive Director

Sd/-S.K. Hota

Managing Director

Sd/-Pankaj Jain

Director


Previous Year Expenditure Current Year

3,031.63 1. Interest 3,323.23

19.69 2. Staff Salaries, Allowances etc. and Terminal Benefits 21.12

0.08 3. Directors' and Committee Members Fees and Expenses 0.08

0.13 4. Audit Fees 0.14

2.32 5. Rent, Taxes, Electricity and Insurance 3.34

0.60 6. Postage, Telegrams, Telex and Telephones 0.45

1.31 7. Law Charges 0.76

8. Stationery, Printing, Advertisement, etc.

(i) Stationery and Printing 0.31

0.84 (ii) Advertisement 0.60 0.91

44.63 9. Coupon paid on SWAP Deals/Premium paid on POS 76.39

7.06 10. Depreciation on Fixed Assets 5.65

7.26 11. Brokerage, Guarantee Fee and Other Expenditure 4.97

3.07 12. Stamp duty on Borrowings 4.10

2.85 13. Travelling Expenses 1.72

2.00 14. Corporate Social Responsibility Expenditure 2.00

23.42 15. Other Expenditure 20.41

7.32 16. Depreciation/Amortisation on Investment (0.08)

21.19 17. Exchange Loss/(Gain) 13.66

0.87 18. Prior Period Expenses 0.24

26.94 19. Provision for Standard Assets 404.40

54.44 20. Provision for Bad & Doubtful Debts u/s 36(1)(viia)(c) of 78.01

0.00 21. Provision for Non Performing Assets (0.42)

67.26 22. Deferred Tax 88.00

349.31 23. Income Tax 493.50

751.11 24. Profit carried to Balance Sheet (Refer Schedule III) 732.97 4,425.66 TOTAL 5,275.55

0.33

on Borrowings

Income Tax Act, 1961

National Housing Bank Profit & Loss Account

Amount in ` crore

260

ANNUAL ACCOUNTS

Previous Year Income Current Year

1. Interest and Discount

4131.75 (i) Loans and Advances 4,740.51

11.30 (ii) Bank Deposits 47.43 4,787.94

197.85 2. Income from Investments 194.85

(4.39) 3. Profit on Sale of Investments 256.07

25.22 4. Profit on Purchase and Sale of Mutual Fund 11.28

(0.07) 5. Profit/ (Loss) on sale of Fixed Assets 0.01

8.07 6. Prior Period Income 0.05

4.76 7. Other Income 10.72

46.46 8. Provisions no longer required written back 0.13

0.05 9. Amortisation of Premium on Bonds 0.05

4.66 10.Amortisation of Premium on Forward 14.45

Exchange Contract

thfor the year ended 30 June, 2019

Amount in ` crore

Schedules I to XV form an integral part of accounts


Firm Reg. No. 001113N/N500079

Sd/-(Dr. D. S. Rawat)

PartnerMembership No. 083030


112


261

4,425.66 TOTAL 5,275.55

thSchedules to the Balance Sheet as at 30 June, 2019

Amount in ` crore

Previous Year Description Current Year

1,450.00 1. Authorised 1,450.00

1,450.00 2. Issued and Paid-up (Statutory Body Under the 1,450.00

1,450.00 1,450.00

Government of India)*

SCHEDULE - I

CAPITAL

*Transfer of shares from Reserve Bank of India to Government of India w.e.f. 19.03.2019

262

ANNUAL ACCOUNTS

112


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National Housing Bank

Previous Year Schedules Current Year

PROFIT & LOSS ACCOUNT

1,213.19 Balance of Profit brought forward 376.09

751.11 Balance as per Profit and Loss Account 732.97

Less: Appropriations:

178.49 (a) Transfer to Special Reserve u/s 36(1)

(viii) of Income Tax Act,1961 257.50

1,397.38 (b) Transfer to Reserve Fund 178.74

12.34 (c) Profit of Special Fund (Slum

376.09 656.41

Improvement and Low Cost Housing

Fund) transferred to Special Fund A/c 16.41 452.65

Amount in ` crore thSchedules to the Balance Sheet as at 30 June, 2019

SCHEDULE - III

264

ANNUAL ACCOUNTS

Previous Year Current Year

1,016.63 1. Zero Coupon Bonds 0.00

2,000.00 2. NHB Bonds 6,037.10

3. Priority Sector Bonds:

4,640.60 (a) Tax-free Bonds 4,640.55

201.30 (b) Special Series Bonds 162.90 4,803.45

7,858.53 10,840.55

Amount in ` crore

SCHEDULE - IV

BONDS AND DEBENTURES

Previous Year Description Current Year

25,500.00 1. Deposits from banks under Rural Housing Fund 22,500.00

10,500.00 2. Deposits from banks under Urban Housing Fund 10,500.00

0.00 3. Deposits from banks under Affordable Housing Fund 7,500.00

190.01 4. Other Deposits from Public 91.80

36,190.01 40,591.80

Amount in ` crore

SCHEDULE - V

DEPOSITS


1. From Reserve Bank of India:

2.61 Line of Credit 0.00

2. From Other Sources:

(a) In India

400.00 (i) Borrowing against Term Deposits 0.00

4,000.00 (ii) Borrowing through Term Loan 4,505.00

0.00 (iii) Commercial Papers 2,955.22 7,460.22

1,365.77 (b) Outside India 1,940.98

2,868.68 3. CBLO Borrowings 0.00

0.00 4. TREP Borrowings 2,655.22

8,637.06 12,056.42

Amount in ` crore

SCHEDULE - VI

BORROWINGS

Description

Description

112


265


1. Interest Payable:

1.48 (a) Unclaimed Interest 1.50

237.66 (b) Interest Payable on Other Bonds and 365.22

509.72 (c) Interest Payable on Deposits 529.92

0.98 (d) Interest Payable on CBLO Borrowing 0.00

22.73 (e) Interest Payable on Other Borrowings 41.66

11.51

2. Provision for Retirement Benefits:

1.08 (a) Medical Expense for Retired Officers 1.20

5.28 (b) Leave Encashment 6.58

6.81 (c) Gratuity 7.24

1.81 (d) Leave Travel Concession 2.12

6.01 (e) Sick Leave 6.21

4.22 (f) Pension 3.74 27.09

3. Other Provisions:

231.14 (a) Contingent Provision against Standard Assets 635.54

443.39 (b) Provision for Bad and Doubtful Debts u/s 36(1) 521.40

0.02 (c) Provision for Diminution in the Value of 0.02

10.00 (d) Provision for Contingencies 10.00

0.22 (e) Provision for HLA Deposits 0.22

0.20 (f) Other Provisions 0.20

21.93 (g) Statutory Liability & Others 10.13 1,177.51

0.71 4. Redemption Payable Account 0.84

3.27 5. Capital Gains Bonds Overdue Account 3.21

4.33 6. Sunidhi/Suvridhi Overdue 7.95

1.76 7. UN-HABITAT Revolving Fund for Water & Sanitation 1.76

15.34 8. Amount received under 1% Interest Subvention Scheme 16.32

1.22 9. Amount received under Interest Subsidy Scheme for 1.30

27.83 10. Amount received under MNRE Subsidy Scheme 29.61

32.64 11. Amount received under Rajiv Rinn Yojana 34.27

361.29 12. Amount received under Credit Linked Subsidy 311.11

44.07 13. Other Liabilities 150.26

8.53 14. IOT 0.00

2,017.18 2,713.96

Debentures

(f) Interest Payable on SWAP deals 13.16

0.00 (g)Interest Payable on TREP Borrowings 1.27 952.73

(viia)(c) of Income Tax Act,1961

Restructured A/c

Projects

Housing the Urban Poor

Scheme (CLSS)

Amount in ` crore

SCHEDULE - VII

CURRENT LIABILITIES AND PROVISIONS

Description

266

ANNUAL ACCOUNTS


0.17 1. Unsettled transactions of 1991-92 0.17

35.29 2. Interest Payable on unsettled transactions 35.29

35.46 35.46

Amount in ` crore

SCHEDULE - VIII

OTHER LIABILITIES


@ 1. Cash/ Cheques in Hand @

0.04 2. Current Account with Reserve Bank of India 0.05

3. Balance with other banks:

(a) In India

460.36 (i) Current Accounts 398.34

400.00 (ii) Term Deposits with banks 1000.00

53.96 (iii) Term Deposits with banks(Staff 57.00 1,455.34

(b) Outside India

293.76 Term Deposits with banks 239.82

1,208.12 1,695.21

Benevolent Fund)

Amount in ` crore

SCHEDULE - IX

CASH AND BANK BALANCES

Description

Description

@ amount less than ` 0.50 Lacs.

112


267


1. Securities of Central and State Government

at cost or market value whichever is less

100.05 (a) Government Securities (Pledged with 93.15

6.98 Less: Depreciation 0.00 93.15

2,785.27 (b) Treasury Bills (Pledged with CCIL 2,676.78

40.43 2. Stock, Shares, Bonds, Debentures and 5.10

3. Stocks, Shares, Bonds, Debentures and

726.04 (a) Shares of Other Institutions 726.04

0.53 (b) Shares of Building Material Company 0.53

0.53 Less: Depreciation 0.53 726.04

3,644.81 3,501.07

CCIL for borrowing operations)

for borrowing operations)

Securities of Housing Finance Institutions

Securities of other Institutions:

0.00

Amount in ` crore

SCHEDULE - X

INVESTMENTS

SCHEDULE - XI

LOANS AND ADVANCES


Amount in ` crore

I Refinance

1. Housing Finance Institutions:

37,194.66 (a) Housing Finance Companies 50,477.09

0.26 (b) Co-operative Housing Finance Societies 0.00 50,477.09

2. Scheduled Banks:

(a) Commercial Banks 18,315.38

846.74 (b) Regional Rural Banks 753.52

164.70 (c) Urban Co-operative Banks 165.74 19,234.64

II Direct Lending

112.67 3. Housing Boards, Development Authorities, etc. 97.67

57,688.23 Gross Loans and Advances 69,809.40

4.61 Less: Provisions for Non Performing Assets 4.19

57,683.62 Net Loans and Advances 69,805.21

19,369.20

Description

Description

268

ANNUAL ACCOUNTS

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112


269


1. Interest Receivable:

3.98 (a) Bank Deposits 11.80

122.54 (b) Investments 108.21 120.01

2. Advances, Receivables, Advance

14.66 (a) Staff Loans and Advances 16.18

178.25 (b) Advance Tax, FBT, TDS, etc. 138.77

(c) Miscellaneous Recoverable

0.46 Considered Doubtful 0.46

0.46 Less : Provisions 0.46 0.00

3.83 (d) Prepaid Expenses 3.45

43.14 (e) Deposit with CCIL including 42.98

54.63 (f) Amount recoverable from GOI 56.66

67.80 (g) Others 6.22 264.26

176.62 3. Unsettled transactions of 1991-92 176.62

33.47 4. Provision for Gain on Principal Only 2.44

698.92 563.33

Tax & Prepaid Expenses:

interest receivable

against exchange loss on USAID

Borrowing

Swaps (POS) Contracts

Amount in ` crore

SCHEDULE - XIII

OTHER ASSETS

Description

SCHEDULE - XIV

CONTINGENT LIABILITIES


96.36 1. Liability on account of Forward Exchange Contract 144.13

0.45 2. Performance Linked Incentives to MD & CEO and ED 0.72

0.00 3. Differential in Pension Amount (Ex-AGM, NHB) 0.07

0.00 4. District Consumer Forum Cases 0.03

96.81 144.95

Amount in ` crore

Description

270

ANNUAL ACCOUNTS

SCHEDULE - XV

thNotes forming parts of the accounts for the year ended 30 June, 2019

(A) Significant Accounting Policies

1. Basis of Preparation

The financial statements are prepared under the historical cost convention, on the accrual basis of accounting, unless otherwise stated and are in accordance with the Generally Accepted Accounting Principles (GAAP) in India, which encompasses applicable statutory provisions, Accountant Standards (AS) issued by the Institute of Chartered Accountants of India (ICAI) and regulatory norms prescribed by the Reserve Bank of India (RBI).

Balance Sheet and Profit and Loss Account are drawn in accordance with the requirements of the National Housing Bank Act, 1987 and National Housing Bank General Regulations, 1988 framed there under.

2. Use of Estimates

The preparation of financial statements requires that management to make estimates and assumptions that affect the reported amounts of assets, liabilities and the disclosure of contingent liabilities on the date of the financial statements and the reported amount of revenue & expenses during the reporting period. Management believes that the estimates used in the preparation of financial statements are prudent and reasonable. Actual result could differ from those estimates. Any revision to the accounting estimates is recognized in accordance with the requirements of the respective accounting standards.

3. Income and Expenditure

3.1. Income and expenditure are accounted on accrual basis except the following, which are accounted on cash basis:

3.1.1. Income by way of penal interest, over and above the normal rate of interest, charged due to delay receipt of loan dues or non-compliance with the terms of loan.

3.1.2. Levy on pre-payment of loan.

3.1.3. Conversion charges for conversion of loan from floating to fixed rate of interest and vice-a-versa.

3.1.4. Interest on non-performing assets.

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271

3.1.5. Penalty imposed by NHB for non-compliance with the regulatory requirements or the guidelines issued by NHB from time to time.

3.1.6 Amount received from Housing Finance Companies/Banks on account of credit inspection charges.

3.1.7. Other miscellaneous receipts, such as receipts from sale of scrap/old news papers, receipts under RTI Act, etc.

3.2. Dividend on investments is accounted for when the right to receive the dividend is established.

3.3. Pre-paid expense not exceeding `10,000/- per transaction is charged to current period expenditure.

3.4. Prior period expense not exceeding 10,000/- per transaction is charged to current period expenditure.

3.5. Stamp duty and Issue expenses relating to floatation of bonds are recognized as expenditure in the year of issue of Bonds.

4. Investments

Investments are accounted for in accordance with the extant regulatory guidelines.

4.1. Classification

In accordance with the RBI guidelines, Investments are classified into as Held to Maturity (HTM), Available for Sale (AFS) and Held for Trading (HFT). Under each of these categories, investments are further classified as

(i) Government Security,

(ii) Other Approved Securities,

(iii) Shares,

(iv) Debentures and Bonds,

(v) Subsidiaries / Joint Ventures and

(vi) Others.

`

272

ANNUAL ACCOUNTS

4.2 Basis of classification:

4.2.1. Investments that the Bank intends to hold till maturity are classified as Held to Maturity.

4.2.2. Investments that are held principally for resale within 90 days from the date of purchase are classified as Held for Trading.

4.2.3. Investments, which are not classified in the above two categories, are classified as Available for Sale.

4.2.4. An investment is classified as Held to Maturity, Available for Sale or Held for Trading at the time of its purchase and subsequent shifting amongst categories is done in conformity with regulatory guidelines.

4.3 Valuation:

4.3.1. In determining the acquisition cost of an investment:

a) Brokerage and/or commission received on subscriptions are reduced from the cost.

b) Brokerage, commission, securities transaction tax, etc. paid in connection with acquisition of investments are expensed upfront and excluded from cost.

c) Broken period interest paid/received on debt instruments is treated as interest expense/ income and is excluded from the cost/sale consideration.

d) Cost is determined on the weighted average cost method for investments under HTM, AFS and HFT category.

4.3.2. The transfer of a security from one category to another is accounted for at the least of acquisition cost/book value/market value on the date of transfer, and the depreciation, if any, on such transfer is fully provided for.

4.3.3. Treasury Bills and Commercial Papers are valued at carrying cost.

4.3.4. Held to Maturity category:

Investments under Held to Maturity category are carried at acquisition cost unless it is more than the face value, in which case the premium is amortized over the period remaining maturity on constant yield basis. Such amortization of premium is adjusted against income under the head “interest on investments”. Investments in subsidiaries, joint ventures and associates are valued at historical cost. A provision is made for diminution, other than Temporary, for each investment individually.

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273

4.3.5. Available for Sale and Held for Trading categories:

Investments held under AFS and HFT categories are individually revalued at the market price or fair value determined as per RBI guidelines, and only the net depreciation of each group for each category is provided for and net appreciation, is ignored in case of AFS. On provision for depreciation, the book value of the individual securities remains unchanged after marking to market.

4.3.6. Security Receipts (SRs) issued by an Asset Reconstruction Company (ARC) are valued in accordance with the guidelines applicable to non-SLR instruments. Accordingly, in cases where the security receipts issued by the ARC are limited to the actual realization of the financial assets assigned to the instruments in the concerned scheme, the Net Asset Value, obtained from the ARC, is reckoned for valuation of such investments.

4.3.7. Investments are classified as performing and non-performing based on guidelines issued by RBI from time to time.

5. Loans / Advances and Provisions thereon

5.1. Loans and Advances are classified as performing and non-performing, based on the guidelines issued by RBI.

5.2. Non-performing Assets (NPAs) are classified into sub-standard, doubtful and loss assets, based on the guidelines issued by RBI.

5.3. Provisions for NPAs are made as per the extant guidelines prescribed by RBI.

5.4. The sale of NPA is accounted as per the guidelines prescribed by RBI. If the sale is at a price below the net book value (NBV), the shortfall is debited to the profit and loss account, and in case of sale for a value higher than NBV, the excess provision is retained and utilized to meet the shortfall / loss on sale of other financial assets.

5.5. In case of restructured / rescheduled assets, provisions are made in accordance with the guidelines issued by RBI.

5.6. In the case of loan accounts classified as NPAs, an account may be reclassified as a performing asset if it confirms to the guidelines prescribed by RBI.

5.7. Amount recovered against debts written off in earlier years are recognised as revenue in the year of receipt.

5.8. In addition to the specific provision on NPAs, general provisions are also made for standard assets. These provisions are reflected in Balance Sheet under the head ‘Other Liabilities and Provisions’ and are not considered for arriving at net NPAs.

274

ANNUAL ACCOUNTS

5.9. Advances are stated in Balance Sheet net of provision for NPAs.

5.10. Refinance provided to Agriculture and Rural Development Banks (ARDBs) by way of Subscription to Special Rural Housing Debentures (SRHDs) deemed to be in the nature of advances are classified as Investments and is subject to the usual prudential norms applicable to loans and advances.

5.11 The Bank provides additional provisioning of 15% in case of Specific Standard Assets on occurrence of the following events on the date of adoption of accounts:

i. In case of performing assets, if there is an overdue of more than 30 days; or

ii.Bank initiates the process of implementing a Resolution Plan involving restructuring.

The management at its discretion can make such additional provision by charging to Profit & Loss Account or can utilize any additional provision standing in the books of accounts (without reference to any specific account) for meeting such requirement for provision against specific standard assets. The Additional provision of 15% on performing assets shall include the regulatory provision on Standard Asset.

In case the specific standard asset turns into NPA, the provisions being maintained in the Standard Asset Provision category will be utilized for creating provisions against Sub-Standard category.

In case the specific asset revives and turns into performing asset, the management at its discretion may reverse the excess provisions.

6. Derivative transactions

6.1. Interest rate swaps which hedge interest bearing assets or liability is accounted for on accrual basis except the swap designated with an asset or liability that is carried at market value or lower of cost in the financial statement.

6.2. Gain or losses on the termination of swaps are recognized over the shorter of the remaining contractual life of the swap or the remaining life of the assets/liabilities.

7. Fixed Assets

7.1. Fixed assets are carried at historical cost less accumulated depreciation.

7.2. Depreciation on assets (including land where value is not separable) is provided on Straight Line Method based on estimated life of the asset. Depreciation on asset has been provided at the rates furnished below:

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(a) Land

i) Land Freehold Nil

ii) Land – Leasehold

1. Period of Leasehold - Perpetual Nil

2. Other than above Over lease period

(b) Premises

i) Constructed on free hold land and on lease landlease period is above 40 years 2.50%

ii)Constructed on lease land where lease period is

(c) Furniture and Fixtures 10.00%

(d) Computer and Microprocessors 33.33%

(e) Motor Vehicles 20.00%

(f) Office Equipments 20.00%

(g) Furniture acquired under Residential Furnishing Scheme 10.00%

(h) Electrical/electronic articles acquired under Residential Furnishing Scheme 20.00%

7.3. Fixed Assets individually costing Rs. 10,000/- and below are to be fully depreciated in the year of addition (Excluding assets purchased under RFS).

7.4. Depreciation on addition to assets is calculated for full period irrespective of the date of addition.

7.5 Bank capitalizes item of property, plant and equipment that qualifies for recognition as an asset measured at its cost which includes its purchase price, taxes, after deducting trade discounts and rebates. On GST component included in the cost of the item capitalized, Bank is not/will not claiming/claim Input Tax Credit.

where

below 40 years Over lease period

276

ANNUAL ACCOUNTS

8. Employee Benefits

8.1. The Bank has a Provident Fund Scheme managed by the RBI. Contribution to the fund is made on actual basis.

st8.2. The employees, who have joined the services of the Bank on or after 1 April, 2010 are governed by a Defined Contributory Pension Scheme, which shall be governed by the provision of the Contributory Pension Scheme introduced for officers of the Central

stGovernment w.e.f. 1 January, 2004 and as modified from time to time.

8.3 Liability for Gratuity, Pension, Sick Leave, Leave Encashment, Medical Retirement Benefits and Leave Travel Concession is determined on the basis of actuarial valuation.

8.4 In case of Residential Furnishing Scheme, no asset will be created under revised Residential Furnishing Scheme and the amount sanctioned will be treated as monetary perquisite to the employees. The Bank will pay tax on the same and the tax so paid will be treated as an allowance to the officer and included in his taxable income for the relevant year.

9. Taxes on Income

9.1. Tax on income for the current period is determined on the basis of taxable income and the tax credits computed in accordance with the provisions of the Income Tax Act, 1961 and based on the expected outcome of assessments / appeals.

9.2. Deferred tax assets and liabilities are recognized by considering the impact of timing difference between taxable income and accounting income for the current year and carry forward losses. Deferred Tax assets and liabilities are measured using tax rates and tax laws that have been enacted or substantively enacted at the Balance sheet date. In terms of AS-22 issued by ICAI, provision for deferred tax liability is made on the basis of review at each balance sheet date and deferred tax assets are recognized only if there is virtual certainty of realization of such assets in future. Accordingly, Deferred tax liabilities or assets are reviewed at each balance sheet date based on development during the year.

10. Foreign Currency Transactions

10.1. All assets and liabilities in foreign currency are translated in Indian Rupee equivalent at the exchange rates notified by Foreign Exchange Dealers Association of India (FEDAI) prevailing at Balance Sheet date and the resulting gain or loss on the assets and liabilities, is credited or debited to Profit & Loss Account under the head “ Exchange Gain/(Loss)”.

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277

10.2. In respect of USAID borrowing, the exchange loss or gain is debited or credited to the head ‘Amount Recoverable from GOI against USAID Borrowing’ as the exchange loss on USAID borrowing is borne by the GOI.

10.3. Income and Expenditure items are translated at the exchange rates prevailing on the date of the transaction.

10.4. Foreign exchange forward contracts outstanding as at the balance sheet date and not intended for trading are valued at the closing spot rate as notified by FEDAI. The premium or discount arising at the inception of such forward exchange contract is amortized as expense or income over the life of the contract. The resultant gain/loss on revaluation is recognized in the Profit & Loss Account under the head Exchanges Gain/ (Loss).

10.5. In accordance with AS 11 ‘The Effects of changes in Foreign Exchange Rates’, contingent liabilities in respect of outstanding foreign exchange forward contracts, derivatives, guarantees, endorsements, Principle Only Swaps (POS) and other obligations are stated at the exchange rates notified by FEDAI corresponding to the balance sheet date.

11. Impairment of Assets

Impairment loss is recognised when the carrying amount of an asset exceed recoverable amount.

12. Provisions, Contingent Liabilities and Contingent Assets

Provisions involving substantial degree of estimation in measurement are recognized when there is a present obligation as a result of past event, it is probable that there will be an outflow of resources and a reliable estimate can be made of the amount of the obligation. Contingent Assets are neither recognized nor disclosed in the financial statements. Contingent liabilities are disclosed by way of schedules to Balance Sheet.

13. NPA/ Overdue Accounting

The appropriation of amount recovered from NPA Account is carried out account wise and installment wise on FIFO basis. The order of appropriation within an account/ installment is first Additional Interest is settled followed by Interest and then Principal amount. Further parallel ledger is maintained for accrual of interest in overdue account without booking the same in the Profit and Loss Account.

278

ANNUAL ACCOUNTS

SCHEDULE - XV

thNotes forming parts of the accounts for the year ended 30 June, 2019

(B) NOTES

14. Fixed Assets –

14.1 Registration formalities are in progress in respect of office space situated at India Habitat Centre, Lodhi Road, New Delhi and residential property situated at Jangpura Extension, New Delhi having gross value (i.e., acquisition cost) of ̀ 23.99 crore.

14.2 In respect of the office space acquired at India Habitat Centre (IHC), Lodhi Road, New Delhi, the exact cost has not been apportioned by IHC among the different allottees. The tripartite agreement, in this respect, is yet to be executed between Land and Development Office, Government of India (GoI), IHC and institution concerned (i.e. NHB). As such, on the basis of payments made to IHC, a sum of 14.85 crore had been capitalized by the Bank in Premises ( 14.44 crore) and Leasehold Land ( 0.41 crore).

14.3 Till FY 2016-17, in the absence of bifurcation of cost of land and premises, the Bank has charged depreciation on premises.

14.4 Fully depreciated assets still in use are held in the books at 1.

14.5 During the FY 2018-19, an amount of ? 1,399/- transferred from depreciation to prior

period expenses.

15. External Borrowings

15.1 Under the Housing Guarantee Programme of USAID, the Bank had raised a loan of US $25 million in the US Capital Market in the year 1990-91 for a tenure of 30 years. The loan is repayable in forty equal half yearly installments commencing from October, 2001. The outstanding balance of 17.46 crore (after revaluation) as on June 30, 2019 is included under the head “borrowings from other sources-outside India”. Government of India (GoI) has guaranteed the loan.

As per letter received from Government of India in 1990, they would bear, exchange loss, if any on the repayments, as also the charges incurred like placement fee, guarantee fee etc. Further, agreed to rupee-tie this loan at a notional interest rate. In case payment obligations to foreign lenders exceed the payment obligation of the Bank to due to exchange rate fluctuations, the difference will be borne by the .

The exchange loss on account of revaluation amounting ? 12.31 crore (principal) and

`` `

?

`

GoI

GoI GoI

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279

? 0.20 crore (interest) is shown as amount recoverable from under the head ‘Other

Assets’. The total amount recoverable from towards above as on June 30 2019, is

? 56.66 crore as the same is recoverable on the completion of loan repayment.

15.2 The Bank had borrowed USD 120 million (equivalent to 564 crore of which outstanding 192.21 crore as on June 30, 2019) from Asian Development Bank (ADB) in two tranches of USD 100 million and USD 20 million during the year 1997 and 2002, respectively. These loans are guaranteed by the Government of India and repayable in half yearly installments by 2022 and 2025, respectively.

These dollar funds were placed as deposits with Bank of India (USD 50 million), Canara Bank (USD 50 million) and EXIM Bank (USD 20 million) in the overseas branches in terms of agreements with these Banks. The deposits are amortized in half yearly installments maturing by 2022 and 2025, respectively and are utilized for repayment of loans from ADB. In lieu of the USD deposit, these banks have subscribed to Special Series Bonds issued by the Bank for 564 crore ( 162.90 crore is outstanding as on June 30, 2019). These Special Series Bonds are repayable in half yearly installments till 2022 and 2025, respectively.

15.3 The Bank has entered into agreements with KfW, Germany during the year 2010-11 for financing “Energy Efficient New Residential Housing” in India. The programme is under an agreement concluded in May, 2009 between the Government of the Federal Republic of Germany and Government of India on Financial Co-operation. The loan is guaranteed by Government of India.

The total line of credit under the programme is Euro 50 million. Under the agreement, there are two lines viz, Euro 38 million under Portion A (repayable in 18 half yearly installment beginning from June 30, 2014) and Euro 12 million under Portion B (repayable in 60 half-yearly installment beginning from June 30, 2021). The Bank has drawn the entire amount of Euro 50 million (equivalent to 382.11 crore) and as on June 30, 2019, the outstanding borrowing stood at Euro 26.78 million equivalent to 210.28 crore (after revaluation). The principle and portion of interest are hedged

against foreign exchange risk.

15.4 Under the umbrella of India-UK bilateral development cooperation partnership agreed between the two countries in July 2011, the Bank has entered into a collaboration with Department for International Development, Government, U.K. for a project namely “Making affordable housing market work for faster and sustained economic growth” in eight low income states of the country. Under the programme, DFID will provide total assistance of £50 million. The loan is repayable in eight equated half yearly instalments starting June, 2017. The Bank has drawn the entire loan amount of £ 40 million (equivalent 380.87 crore). The outstanding borrowing as on June 30, 2019 stood at 143.38 crore (after revaluation). Entire loan amount is hedged against

GoI

GoI

``

` `

`

`

``

280

ANNUAL ACCOUNTS

exchange risk.

15.5 The Bank has entered into an Agreement with World Bank (WB) on August 14, 2013 followed by subsidiary loan agreement with Government of India on October 04, 2013 for Low Income Housing Finance Project of SDR 66.1 million (USD 100 million equivalent). Under this line of credit, World Bank will make disbursements to Government of India (GoI) and GoI in turn would on-lend the rupee equivalent to the Bank. The amount on-lent to the Bank will be fully repaid by the Bank and also has committed to meet the entire liability, including that due to exchange rate variations, on the due dates, if any.

Bank has received the entire amount of ? 609.07 Crore from World Bank through GoI

under the Programme. As on 30.06.2019, the outstanding was ?592.38 Crore. Out of

total loan amount of SDR 66.10 million (Equivalent to USD 93.05 million), Bank has hedged the entire loan amount against exchange risk. Bank is in communication with GoI for repayment of principal, interest and service charges under the World Bank assisted project on “Low Income Housing Finance”. Bank has provided an amount of

? 77.58 Crore towards repayment of the principal, interest and service charges liability

to Government of India.

th 15.6 The Board in its 127 meeting held on July 18, 2017 has accorded its approval for borrowing Euro 100 million and grant of Euro 12 million from AFD, France under Sustainable Use of Natural Resources and Energy Facility in the Residential Sector (SUNREF). The entire Line of Credit amount EUR 100 million and grant of EUR 9 million was drawn during the year. This grant had been proportionately reduced and an amount of EUR 0.899 million is accounted for as income during the year in the ratio of interest cost incurred. In accordance with the guidelines provided by the AFD, CRISIL has been nominated as the consultant firm in charge of the implementation of NHB-SUNREF Housing Program’s technical assistance. The loan is repayable in 14 half-yearly instalments commencing from December 31, 2020 till June 30, 2027.

As on June 30, 2019 the outstanding balance against AFD stood at EUR 100 million( 785.25 crore after revaluation). Entire loan amount is hedged against exchange risk.`

16. Revaluation of Foreign Deposits and Borrowings/Forward Exchange Contracts/PoS

16.1 NHB borrowed USD 20 million from Asian Development Bank (ADB) in 2002 including a front end fee of USD 0.4 million and the total liaibility amounted to USD 20.4 million . The forex loan amount thus raised was placed as deposit of USD 20 million with EXIM Bank. However, an amount of USD 13 million was repaid to ADB in 2004. NHB explored the possibility of unwinding part of the swap arrangement with EXIM Bank. However, the corresponding deposit could not be cancelled with EXIM Bank due to high cost of premature cancellation. This resulted in excess dollar inflows from dollar deposit over dollar outflows post meeting loan obligations. In

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281

order to hedge forex risk on account of the excess inflow of USD from Exim Bank, the Bank has entered into forward exchange contracts. During the year ended June 30, 2019, forward exchange contracts amounting to USD 1.17 million have been utilized. As on June 30, 2019, the Bank has 13 outstanding contracts for an aggregate amount of USD 8.256 million .

16.2 As on June 30, 2019, the Bank has an outstanding borrowing of Euro 26.78 million from KfW, Germany for financing "Energy Efficient New Residential Housing" in India. The principle and portion of interest are hedged against foreign exchange risk .

16.3 As on June 30, 2019 the Bank has an outstanding borrowing of GBP 16.38 million from DFID, UK a project namely "Making affordable housing market work for faster and sustained economic growth" in eight low income states of the country. The borrowing is fully hedged .

16.4 As on June 30, 2019, the Bank has an outstanding borrowing of SDR 61.74 million from World Bank, under "Low Income Housing Finance" project. The borrowing is fully hedged.

16.5 As on June 30, 2019, the Bank has an outstanding borrowing of Euro 100 million from AFD, under SUNREF housing programme. The borrowing is fully hedged.

16.6 During the year, the Bank has recognized net gain of `13.53 crore on revaluation of foreign deposits and borrowings in the Profit and Loss Account which is shown under head " Exchange Loss/(Gain)"

16.7 During the year , Bank has recognised net loss of ̀ 27.19 crore on account of revaluation of Principal only Swap (PoS) & forward contracts which is shown under Profit and Loss Account as 'Exchange Loss/(Gain)' Net loss of `13.66 crore on account of Para 17.5 & 17.6 has been considered and shown in the Profit and Loss Account as 'Exchange Loss/(Gain)'.

`

17. Employee Benefits - AS 15 (revised 2005)

17.1 The Bank has provided the liability towards employee benefits for Gratuity, Leave Encashment, Medical Retirement Benefits, Sick Leave, Leave Travel Concession, and Pension on actuarial basis for its permanent employees in accordance with the AS-15 (revised 2005) issued by Institute of Chartered Accountants of India.

17.2 The Bank is transferring contribution of provident fund to Reserve Bank of India and other parent organizations in respect of employees including who are on deputation from Reserve Bank of India/Other banks. During the year ended June 30, 2019, the Bank has contributed 0.05 crore to Provident Fund and has charged the same to Profit and Loss Account under the head ‘Staff Salaries, Allowances and Terminal Benefits’.

17.3 As per National Housing Bank (Employees’) Pension Regulations, 2003, the Bank

282

ANNUAL ACCOUNTS

provides for pension, a defined benefit retirement plan covering all employees who have opted for pension plan. The scheme provides a monthly pension payment to employees on retirement or termination of employment as per Service Regulation. The scheme is managed by a separate trust and the liability for the same is recognized on the basis of actuarial valuation as on June 30, 2019, is 3.74 crore in addition to Bank’s monthly contribution to the fund.

17.4 The employees, who have joined the services of the Bank on or after 1st April, 2010 are governed by a Defined Contributory Pension Scheme, which shall be governed by the provision of the Contributory Pension Scheme introduced for officers of the Central Government w.e.f. 1st January, 2004 and as modified from time to time. During the year, the employees have contributed `0.51 crore under the Scheme and the Bank has also provided for equivalent contribution for the same.

17.5 Defined benefit Obligations: Gratuity, Leave Encashment, Medical Retirement benefits, Sick Leave, Leave Travel Concession and Pension payable to employees as on June 30, 2019. The liability, wherever, necessary has been accounted for on actuarial valuation.

a) Methodology used in actuary calculation: Actuary has used the Projected Unit Credit Method to assess the plan’s liabilities including those related to death and service.

b) The Principal Actuarial assumptions used as at the Balance Sheet date:

`

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Defined Benefits

GratuityLeave

Encashment Medical Sick LeaveLeave Travel Concession

Pension

Discount Rate 7.16 %p.a 7.16 % p.a 7.16 % p.a 8.00 %p.a. 8.00% p.a. 7.16 % p.a.

Salary Escalation

Rate10.00% p.a. 10.00% p.a. NA 10.00% p.a. NA 10.00% p.a.

Expected return

on plan assetsNA NA NA NA NA 7.16% p.a.

Mortality Rate

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

Indian

Assured

Lives

Mortality

(IALM)

(2012-14)

c) A reconciliation of opening and closing balances of present value of defined benefit obligation and the effects during the period attributable to each of the following:

Change in benefit obligations

Gratuity LeaveEncashment** Medical

Sick Leave**

PensionLeave Travel Concession**

Present Value of 6,81,24,622 - 1,08,19,787 - - 41,17,84,507

Obligation at the

beginning of the year

Contribution

Received By Fund

(Employees) during - - 1,86,092 - - -

the period (1st July

2018 to 30th June 2019)

Current Service Cost 65,75,714 - - - - 1,02,49,245

Interest cost 54,49,970 - 8,65,583 - - 3,29,42,761

Past Service cost - - - - - -

Actuarial (Gain)/

Loss on Obligations (40,76,795) - 11,12,133 - - 3,35,60,427

Benefits paid (36,86,400) - (9,86,937) - - (2,27,61,876)

Present Value of

Obligation at the end 7,23,87,111 - 1,19,96,658 - - 46,57,75,064

of the year

d) Investment details of plan assets:

The Bank has not funded the liability as on June 30, 2019. As such there is no fair value of assets except for pension liability which is managed by a separate trust

284

ANNUAL ACCOUNTS

Amount in `

Amount in ` e) Change in plan assets Amount recognized in the statement of Profit & Loss Account.

Defined Benefits Gratuity LeaveEncashment** Medical

Sick Leave**


Fair value of plan NA NA NA NA NA 36,96,17,979

assets at the

beginning of the

period

Acquisition NA NA NA NA NA -

adjustment

Actual return on NA NA NA NA NA 3,60,38,733

plan assets

Employer NA NA NA NA NA 4,55,15,895

contributions

Benefits paid NA NA NA NA NA (2,27,61,876)

Fair value of plan NA NA NA NA NA 42,84,10,731

assets at the end of

the period

Funded status NA NA NA NA NA (3,73,64,333)

Excess of actual over NA NA NA NA NA 82,80,423

estimated return on

plan assets

f) Amount recognized in Balance Sheet Amount in `


Sick Leave**


Present Value of 7,23,87,111 - 1,19,96,658 - - 46,57,75,064Obligation at the end of the yearFair value of plan NA NA NA NA NA 42,84,10,731assets at the end of the year*Funded Status-deficit (7,23,87,111) - (1,19,96,658) - - (3,73,64,333)/(surplus)Unrecognized - - - - - -actuarial gain/lossNet Liability/(Asset) (7,23,87,111) - (1,19,96,658) - - (3,73,64,333)recognized in Balance Sheet

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285

g) Amount recognized in the statement of Profit & Loss Accounts Amount in `


Sick Leave**


Current Service Cost 65,75,714 - - - - 1,02,49,245

Interest Cost 54,49,970 - 8,65,583 - - 3,29,42,761

Past Service cost - - - - - -

Expected return on NA NA NA NA NA (2,77,58,310)

plan assets

Actuarial (Gain)/Loss (40,76,795) - 11,12,133 - - 2,52,80,004

Expenses/(Income) 79,48,889 - 19,77,716 - - 4,07,13,700

recognized in the

statement of Profit

and Loss Account

** As per paragraph 132 of the Accounting Standard 15 (revised) issued by Institute of Chartered Accountants of India, no specific disclosures are required for Other Long Term Benefits.

18. Security Transactions of 1991-92

18.1 Pursuant to the Judgement of the Hon’ble Supreme Court setting aside the decree passed by the Hon’ble Special Court in Suit No. 2 of 1995 and the directions given by Department of Financial Services (DFS), Government of India, NHB had paid

an amount of ? 236.78 crore to SBI. In July, 2016, SBI has filed an Application

before the Hon’ble Special Court claiming interest @19% on ? 236.78 crore. NHB

has denied the above claim of SBI and prayed for dismissal of the Application as SBI is not adhering to the directions of DFS. Further, as per the directions of DFS,

NHB has to receive an amount of ? 353.78 crore from SBI as determined by RBI

and interest thereon, for which NHB has filed a counter-claim.

18.2 Subsequent to the judgment of the Hon’ble Supreme Court setting aside the decree passed by the Hon’ble Special Court in Suit No. 2 of 1995, NHB has filed two Applications before Special Court. One is Miscellaneous Application 62 of

2016 lodging its claim with the Custodian for return of ? 94.20 crore which was

deposited with the Custodian earlier in terms of direction of the Special Court. The case has been disposed off in favour of NHB. The Hon’ble Special Court is in process of ascertaining the interest amount. Meanwhile, the order of the Special Court has been challenged before the Hon’ble Supreme Court by Ms. Jyoti H Mehta in Civil Appeal No. 3241/2019 and the same is pending. Another Miscellaneous Petition No.2 of 2016 has been filed before Special Court for

recovery of balance i.e. ? 55.18 crore from Standard Chartered Bank (SCB) based

286

ANNUAL ACCOUNTS

on the Letter of Indemnity dated 01.10.1993 given by SCB. The same is pending for adjudication.

18.3 As per the understanding between NHB and SCB, NHB is also entitled to a share in the amount realized by SCB in the decree passed in Suit No.28 of 1995. The amount will be shared in a proportion inverse to the proportion in which the

amount of ?1,645.87 crore was shared between NHB and SCB, after the same is

received by SCB. The Hon’ble Supreme Court of India vide order dated 02.05.2017 passed by in Civil Appeal No.6326 of 2010 directed the Custodian for release of

? 506.53 crore in favour of SCB. Till date, SCB has received a sum of ? 300.11 crore

vide order dated 08.09.2017 in the Custodian Report No.4 of 2017. We are continuously in touch with our Counsel to take up the matter with SCB and their Counsel for sharing the amount. However, these amounts will be accounted for on actual receipts.

19. Segment Reporting

The Bank’s operations predominantly comprise only one segment i.e. financial activities. Hence, there are no separate reportable segments as per the Accounting Standard on “Segment Reporting” (AS 17) issued by the Institute of Chartered Accountants of India.

20. Related Party Disclosures

a) List of Related Parties:

i) Key Managerial Personnel: Shri S.K. Hota

ii) India Mortgage Guarantee Corporation Private Limited (IMGC)

112


287

b) Transactions with Related Parties:

Name of the Party

Nature of Relationship

Outstanding as on 30th June, 2019

Nature of Transaction

Amount of transaction during

the year

Sh. Sriram

Kalyanaraman

Key Management

Personnel-

Managing Director

& Chief Executive

Officer

Remuneration &

benefits including

perquisites

0.03 crore was paid $during the period

` *

Smt. Dakshita

DasAdditional

Secretary, the

Government of

India, Department

of Financial

Services,

Ministry of

Finance and

Additional charge

as the Managing

Director & Chief

Executive Officer

(from 14.08.2018)

Remuneration &

benefits including

perquisites

Nil Nil

Sh. S.K. Hota Key Management

Personnel-

Managing Director

Remuneration &

benefits including

perquisites

? 31,000/- was paid

for June 2019 month

in July 2019

? 2,738/-

needs to be

contributed to

his EPF.

IMGC Substantial interest

in the Share

Capital

Equity Capital

Contribution

Nil ? 76.00 crore

($ The above figure is the total salary paid to MD & CEO of the Bank and does not include rent and other reimbursements (if any) paid during this period.)(* 0.011 crore is yet to be released for the month of August 2018. Approval of DFS is awaited in this regard.)

As the Bank is state controlled enterprise within the meaning of AS-18 ‘Related Party Disclosures’, the related party relationship with other state controlled enterprises and transactions with such enterprises are not given.

`

288

ANNUAL ACCOUNTS

21. Income tax For assessment years 2003-04 to 2009-10 (excluding 2007-08) penalty proceeding were

initiated by Income Tax Department amounting to ? 130.56 crore on disallowance of Bank’s

claim u/s 36(1)(viii) of the Income Tax Act, 1961 and business loss. The Bank had preferred appeals before ITAT against the order of respective authorities and paid the taxes due which was shown as advance tax. Further, ITAT vide its order dated 20th February 2017, waived off penalty earlier imposed by the AO with respect to Bank’s claim u/s 36(1)(viii) of the Income Tax Act, 1961. The department filed appeal against the said order in the Delhi High Court. Delhi High Court vide its order dated 28.08.2018 dropped the penalty proceedings.

In respect of disallowance of business loss of ? 150.45 crore for the AY 2003-04, ITAT restored

it back to the Assessing officer (AO). Case has been finalized by the assessing officer in F.Y. 2017-18 at the income originally assessed and an appeal against the order has been filed before Commissioner of Income Tax, Appeal (CIT) (A) which is decided against the bank by Hon’ble CIT(A) vide her order dated 31.12.2018. The bank has preferred appeal against the said order before the Hon’ble ITAT which is still pending. Further penalty proceeding initiated u/s 271 (1) (c) is also pending before assessing officer.For assessment years (AYs) 2010-11 to 2016-17 (except A.Y. 2015-2016), there are certain disallowances made by AO. For these assessment years, appeals are pending with ITAT from A.Y. 2012-2013 to 2014-2015 and before CIT (A) for the A.Y. 2016-17. The ITAT has provided favourable order for AY 2010-11 & 2011-12. The Bank has paid taxes due and showed the said amount as advance tax in the books. The management does not consider it necessary to make any provision in this regard.

22. Deferred Tax As on June 30, 2019, the Bank has recorded net deferred tax liability (DTL) of 428.60 crore. A composition of deferred tax assets and liabilities is given below:

`

112


289

SNo. Particulars June 30, 2019 June 30, 2018

Deferred Tax Assets:

1 Provision for Medical aid to Retired Staff 0.42 0.38

2 Provision for Leave Encashment 2.30 1.84

3 Provision for Gratuity 2.53 2.38

4 Provision for Leave Travel Concession 0.74 0.63

5 Defined Contributory Pension Scheme 0.02 0.03

Total Deferred Tax Assets (A) 6.01 5.26

Deferred Tax Liabilities:

1 Depreciation 7.65 8.28

Special Reserve u/s 36(1)(viii) of Income 426.96 337.58

Total Deferred Tax Liabilities (B) 434.61 345.86

Net Deferred Tax Liability (B-A) 428.60 340.60

Tax Act, 1961

Amount in ` crore V

23. Home Loan Account Scheme

23.1 The Home Loan Account Scheme (HLAS) was launched by NHB with effect fromJuly 1, 1989 all over the country and was operated through Scheduled Banks and Housing Finance Companies (HFCs). The HLAS has been discontinued effective from March 1, 2004.

23.2 The deposits under HLAS held by the banks/HFCs stood at ? 0.06 crore as per

information received by NHB and the same has been disclosed as contra entries in the balance sheet.

23.3 India Housing Finance and Development Ltd., a Housing Finance Company in the private sector, which was one of the participating HFC for mobilization of deposits under HLAS, was advised by NHB not to open new accounts/accept fresh deposits under HLAS with effect from 01.10.1994 due to serious financial problem faced by it. NHB being the principal under the scheme, was obliged to meet liability to pay

account holders their dues. The Bank assessed the initial liability of ? 0.49 crore as

against verifiable claimants of IHFD under HLAS and made provision of the equal

amount in 2004-05. As per the approved procedure, claims for refund of ? 0.27 crore

was paid till June 30, 2019 and balance of ̀ 0.22 crore stood as liability as on date.

24. Other Expenditure

The break-up of other expenditure shown in the Profit and Loss Accounts is as under:

290

ANNUAL ACCOUNTS

Particulars 2018-19 2017-18

1. Repair and Maintenance 3.23 3.23

2. Research and Development 0.03 0.49

3. GST Expense 1.56 1.54

4. Conveyance Expense 0.50 0.47

5. Professional Fee 1.14 1.09

6. Conference Expense 0.21 0.60

7. Hospitality Expense* 0.01 0.00

8. Expenses on IT related services 3.01 2.30

9. Payment to outsourced services 2.50 4.83

10. Security Service Expense 1.28 1.38

11. Others 6.94 7.49

Total 20.41 23.42

*12.Corporate Social Responsibility Expenses 2.00 2.00

Amount in ` crore V

*CSR Expenses although shown as separate line item in P&L, it forms part of Other Expenses.

25. Investment Fluctuation Reserve Account

As per RBI guidelines on prudential norms for classification, valuation and operation of investment portfolio for FIs, the provision required to be created on account of depreciation in the Available for Sale category in any year should be debited to the Profit & Loss Account and an equivalent amount (net of taxes) or balance available in the Investment Fluctuation Reserve (IFR) Account, whichever is less, shall be transferred from Investment Fluctuation Reserve Account to the Profit & Loss Account. In the event provisions created on account of depreciation in the available for sale category are found to be in excess of the required amount in any year, the excess is credited to the Profit & Loss Account and an equivalent amount (net of taxes, if any) is appropriated to the Investment Fluctuation Reserve Account. No amount has been transferred to IFR during the year and balance outstanding as on June 30, 2019 is ̀ 20.08 crore.

26. Impairment of assets

In the opinion of the management, there is no material impairment of any of the Assets of the Bank as per the Accounting Standards 28-Impairment of Assets.

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291

27. Prior Period Items27.1 During the year, the Bank has booked expenditure amounting to around ̀ 0.24 crore in the

nature of prior period on account of entries passed on account of the following:

Particulars Amount in `

Rectification entries passed in interest payable on Bonds 12,737.26

Payment of overtime/staff 20,250.00

Transfer to Prior Expenses from Depreciation 1,399.00

Bank Charges 1,874.00

Payment to auditor for certification K S Kohli & Associates 4,000.00

Payment to Airtel/Mobile bill/Others 14,613.40

Payment for SAP Support 23,70,351.01

Total 24,25,224.67

27.2 During the year, the Bank has identified income amounting to around `0.05 crore in the nature of prior period income mainly on account of reversal of interest provision in respect of Term Deposits.

28. Investment classification

28.1 As stated, investments are classified into “Held for trading”, “Available for Sale” and “Held for Maturity” categories as per the following details:

Held to Maturity (HTM) a) GOI Dated Securities 93.15 0.00

b) Subordinated Bonds 0.00 0.00

Sub-total 93.15 0.00

Available for Sale(AFS) a) GOI Dated Securities 0.00 100.05

b) Treasury Bills 2676.78 2785.27

c) Shares of Housing Finance 5.10 40.43

Institutions#

d) Shares of Other Institutions 726.04 726.04

e) Building Material Company 0.53 0.53

f) Mutual Fund 0.00 0.00

Sub-total 3408.45 3652.32

Held For Trading(HFT) a) GOI Dated Securities 0.00 0.00

Gross Investments 3501.60 3652.32

Less: Depreciation 0.53 7.51

Net Investments 3501.07 3644.81

Categories of investment

InvestmentsAs on

June 30, 2019As on

June 30, 2018

#Disinvestment in shares of Housing Finance Institutions includes ̀ 2.11 crore and ? 33.22 crore in

Sewa Grih Rinn and Mahindra Rural Housing Finance Limited made on 19.03.2019 and 26.04.2019 respectively.

Amount in ` crore V

292

ANNUAL ACCOUNTS

29. Contingent Liability

The movement in Contingent Liability as required in AS 29 is as under:

Particulars June 30, 2019 June 30, 2018

Opening Balance as on July 1 96.81 48.48

Addition during the period 48.14 48.33

Reduction during the period 0.00 0.00

Closing Balance 144.95 96.81

30. Rural Housing Fund

Rural Housing Fund was first established as per the announcement made by the Hon’ble Finance Minister, while presenting the budget for the year 2008-09. The fund was set up with contribution by Scheduled Commercial Banks not achieving their priority sector lending obligations. The fund was set up with the National Housing Bank to enhance its Refinancing Operations to the Rural Housing Sector. Till June 30, 2019, the Bank has received total amount of `31,278.18 crore under this fund and the Balance Outstanding as on June 30, 2019 is 22,500.00 crore. The same has been shown as ‘Deposits from Banks under Rural Housing Fund’ in Schedule-V (‘Deposits’).

31. Urban Housing Fund

During 2013-14, Urban Housing Fund of 2,000 crore with contributions from scheduled commercial banks, as allocated by Reserve Bank of India, was set up with NHB to augment its resources and improve credit availability. Further, In terms of RBI allocation, Urban Housing Fund of 4,000 crore was set up for Year 2014-15. Again, In terms of RBI allocation, Urban Housing Fund of 4,500 crore was set up for Year 2016-17. These funds will enhance refinancing operations to the urban housing sector and to meet the housing needs of the people in lower income segments residing in urban areas. Till June 30, 2019 the Bank has received total amount of 10,500 crore and the Balance Outstanding as on June 30, 2019 is 10,500 crore. The same has been shown as ‘Deposits from banks under Urban Housing

Fund’ in Schedule-V (‘Deposits’).

`

`

``

``

Amount in ` crore V

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293

Mentioned Below is age wise amount unclaimed in NHB Tax Free interest payment account as on 30.06.2019. Further, NHB has unclaimed Interest on application money Amounting to Rs. 6.26 lakh and 0.14 lakh for Tranche I and II respectively.` `

Bond 2017-18 2018-19 Transferred to P & L

Premium on NHB Tax Free Bonds 46.36 41.72 4.64

(? in Lakh)

32. Affordable Housing Fund

The Hon’ble Union Finance Minister in the Union Budget for 2018-19, presented to the Parliament on February 1, 2018, announced the establishment of a dedicated Affordable Housing Fund (AHF) in NHB, funded from priority sector lending shortfall and fully serviced bonds authorized by the Government of India. Pursuant to the announcement, the RBI on July 4, 2018 has communicated the establishment of AHF with a corpus of

?10,000 crore. The AHF corpus shall be contributed by SCBs having shortfall in

achievement of their priority sector targets/sub-targets. The purpose of the AHF shall be to support the refinancing operations of NHB for affordable housing to the target

segments in rural and urban areas. For the year 2019-20, an amount of ?10,000 crore has

been allocated under Affordable Housing Fund (AHF). The total amount received under

AHF as on June 30, 2019 is ? 7,500 crore. The same has been shown as ‘Deposits from banks

under Affordable Housing Fund’ in Schedule-V (‘Deposits’).

33. Zero Coupon Bonds

During the year 2008-09, the Bank had issued Zero Coupon Bonds (ZCBs) for a face value of 1,050 crore, discounted value being 453.39 crore. These bonds were issued for tenure of ten years. The bonds were redeemed in December, 2018 and March 2019 amounting 750 and 300 respectively.

34. Loans and advances

Of the total outstanding loans and advances of 69,192.20 Crore (gross), loans and advances amounting 27,922.67 Crore are secured by a charge on books debts, government guarantee, bank guarantee, equitable mortgage on fixed assets, hypothecation of movable assets and lien over bank deposits. Balance loans and advances amounting 41,269.53 Crore are unsecured of which 22,343.22 Crore covered under negative lien.

35. Tax Free Bonds

NHB had mobilized an aggregate amount of 4,640.13 crore ( 640.13 crore in 2012-13 and 4,000 crore in 2013-14) excluding premium thereon, through issuance of Tax Free Bonds.

These Bonds are secured by way of Pari passu floating first charge on the specific book debts of NHB. As on June 30, 2019, the value of the hypothecated assets given as security for Tax-free Bonds was 4,969.37 crore.

During the year Amortization details of Premium on tax free Bonds is as follows:

` `

` crore ` crore

``

` `

` ``

`

294

ANNUAL ACCOUNTS

Year Interest Amount Unclaimed

2014 Nil

2015 6.59

2016 7.85

2017 22.81

2018 17.47

2019 15.86

Total amount unclaimed 70.58

(? in Lakh)

36. Special Series Priority Sector Bonds

Exim Bank, Canara Bank & Bank of India have subscribed to Special Series Bonds issued by the Bank for `564 crore ( 162.90 crore is outstanding as on June 30, 2019). These Special Series Bonds are repayable in half yearly installments till 2022 and 2025, respectively.

37. NHB Bonds

NHB mobilizes funds through issuance of bonds/debentures which do not carry any tax benefits. They are issued as per RBI guidelines and are unsecured in nature. During the year 2018-19, the Bank has issued new bonds of 5,987.10 crore under this category and bonds amounting to 1,950.00 crore were repaid during the year. As on June 30, 2019, 6,037.10 crore is outstanding under this category.

38. TREPS Borrowings

From November 5, 2018, onwards Bank has started borrowing through Tri-party Repo (TREPS) facility which replaced Collateralized Borrowing and Lending Obligation (CBLO) borrowing/lending platform.

In terms of the Reserve Bank of India’s notification dated July 24, 2018, the given below disclosure has to be made by the Bank:

`

``

`

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295

Securities sold under repo

i.Government Securities 24.95 2863.92 2111.48 2655.23

(TREPS Borrowing)

ii.Corporate debt securities 0.00 0.00 0.00 0.00

iii.Any other securities 0.00 0.00 0.00 0.00

Securities purchased under repo

i.Government Securities 5.45 108.86 27.03 0.00

(TREPS Lending)

ii.Corporate debt securities 0.00 0.00 0.00 0.00

iii.Any other securities 0.00 0.00 0.00 0.00

Minimum outstanding

during the year

Maximum outstanding

during the year

Daily average outstanding

during the year

Outstanding as on June 30

(? in Crore)

39. Unclaimed Sunidhi and Suvriddhi deposits

In respect of unclaimed Sunidhi & Suvriddhi overdue Term Deposits. In this context, this

is to inform that during the period ended June 30, 2019, ? 7.95 crore were outstanding in

terms of unclaimed Sunidhi & Suvriddhi overdue Term Deposits.”

Details of the Sunidhi Term deposits overdue details

Financial Year Principal amount in ? Interest amount in ? Total amount in ?Jun-12 50,000 12,119 62,119

Jun-13 6,07,968 1,23,418 7,31,386

Jun-14 50,000 29,973 79,973

Jun-15 60,000 29,151 89,151

Jun-16 12,00,000 4,842 12,04,842

Jun-17 16,37,832 1,70,285 18,08,117

Jun-18 4,50,000 28,985 4,78,985

Jun-19 2,62,86,900 49,50,968 3,12,37,868

Total 3,03,42,700 53,49,741 3,56,92,441

296

ANNUAL ACCOUNTS

Financial Year Principal amount in ? Interest amount in ? Total amount in ?Jun-12 0 0 0

Jun-13 0 0 0

Jun-14 6,85,000 2,75,313 9,60,313

Jun-15 1,70,000 82,635 2,52,635

Jun-16 2,60,000 1,12,468 3,72,468

Jun-17 7,80,000 3,74,605 11,54,605

Jun-18 24,70,000 8,86,606 33,56,606

Jun-19 2,81,90,292 95,13,205 3,77,03,497

Total 3,25,55,292 1,12,44,832 4,38,00,124

Details of the Suvriddhi Tax Saving deposits overdue details

Details of the Term deposits- Unclaimed warrants details

Financial Year Sunidhi Suvriddhi

(Total amount in ?) (Total amount in ?)

2008-2009 1,208 853

2009-2010 64,196 13,096

2010-2011 79,064 39,332

2011-2012 11,386 26,697

2012-2013 26,907 36,160

2013-2014 74,220 74,594

2014-2015 58,067 74,488

2015-2016 68,296 87,788

2016-2017 1,32,582 74,002

2017-2018 95,080 1,67,643

2018-2019 68,186 1,97,645

Total 6,79,192 7,92,298

An amount Interest payable on Sunidhi Term Deposits amounting to `14,03,774 was shown in Interest payable on Suvriddhi Deposits. The transfer entry has been made this year and reported correctly. Consequently the Interest payable on Sunidhi Term Deposits is 11,20,60,279 and in respect of Suvriddhi Term Deposits it is 3,46,63,388 as on 30.06.2019.

` `

112


297

40. Implementation of IND AS

In terms of the Reserve Bank of India’s circular dated August 04, 2016, Bank is continuously preparing proforma Ind AS statements and is submitting to the regulator regularly. The Reserve Bank of India vide its letter dated May 15, 2019, has advised that implementation of Indian Accounting Standards by All India Financial Institutions (AIFIs) has been deferred until further notice.

41. Transfer of Shareholding to Government of India and Amendment to National Housing Bank Act, 1987

st The Government of India vide Gazette Notification No. S.O.2198(E) dated 31 May, 2018 made amendments to the National Housing Bank Act, 1987 and the same is made effective from 1st day of June, 2018.

Further, Government of India transferred ? 1,450 crore to the Reserve Bank of India on thMarch 19, 2019 and vide Gazette Notification No. S.O.1660 (E) dated 29 April, 2019

notified that the subscribed capital of one thousand four hundred and fifty crore rupees of the National Housing Bank by the Reserve Bank of India, stands transferred to, and vested in the Central Government upon payment of the face value of the subscribed capital, to the

thReserve Bank, with effect from the 19 day of March, 2019.

42. Sale of Equity Investments

Bank disinvested its entire holding of 17.64 lakh of equity shares amounting to ? 2.11 crore

in SEWA Grih Rinn HFL on March 19, 2019 at ? 4.62 crore.

Bank disinvested its entire holding of 118.92 lakh of equity shares amounting to ? 33.22 crore

in Mahindra Rural Housing Finance Limited on April 26, 2019 at ? 286.78 crore.

43. Provision No-longer Required

Excess provisions against Non-Performing Assets and other provisions have been transferred to 'Provision no longer Required' till FY 2017-18. However, this has been dis-continued from FY 2018-19.

44. Reserve Fund

Out of net profit for FY 2018-19, the Bank has transferred ̀ 178.74 crore to Reserve Fund.

298

ANNUAL ACCOUNTS

45. Change in Nomenclature

Cost incurred on Principal Only Swaps (POS) earlier was shown given under the head “Interest paid on SWAP Deals” in P&L. However, during the current financial year, it has been rechristened as “Coupon paid on SWAP Deals/Premium paid on POS”. Except change in nomenclature, neither there is change in accounting treatment nor any impact in the books.

46. Dewan Housing Finance Limited (DHFL)

An amount of ? 134.16 crore was due from DHFL on 01.07.2019 which is being followed up

with the HFC. As per the extant guideline of RBI in this regard, it was reported in the CRILIC report as default for the week ended 05.07.2019.

Payments will be made according to the resolution plan that will be finalized by all the thlenders. In this regard, NHB has signed the Deed of Accession on 29 July, 2019, which is

thsupplemental to the Inter-creditor agreement dated 5 July, 2019, which concerns the implementation of a resolution plan in relation to the facilities availed by DHFL.

47. Bifurcation of Interest on Loans and Advances

During the FY 2018-19, Bank has booked an amount of ?4,740.51 crore as Interest on Loans

and Advances. The details of interest received from types of loans and advances are given as under:

S.No Particulars ? in Crore

1. Interest earned on Refinance 4,731.91

2. Interest earned on Direct Finance 7.68

3. Interest earned on Staff Loans 0.85

4. Penal Interest on Direct Finance 0.07

Total 4,740.51

48. Details of Statutory Audit Fees

RBI vide its letter No. DBS. ARS. No/2380/08:15:008/2018-19 dated November 05, 2018 informed that M/s. Bansal & Co LLP., New Delhi has been appointed as Statutory Auditors of National Housing Bank for the Year 2018-19 and also specified fees to be paid.

During the financial year 2018-19, an amount of ? 4.05 lakh was paid and balance has been

set aside by way of provision to make future payments.

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299

S.No Particulars ? in Lakh

1. Statutory audit and Limited Review fee 9.00

2. Tax Audit fee 2.00

3. GST Audit fee 1.50

4. Expenditure on certification and additional certifications

required by SEBI 1.25

Total 13.75

49. Events occurring after Balance sheet date

thThe Central Government vide gazette notification number S.O. 2902(E) dated 9 August, th 2019 appointed 9 day of August, 2019, as the date on which the provisions of Part VII of

Chapter VI of the Finance Act shall come into force.

Part VII of Chapter VI of the Finance Act contained amendment to NHB Act wherein the regulatory provisions earlier vested with NHB has been transferred to Reserve Bank of India.

50. Disclosures under SEBI (Listing Obligations & Disclosures Requirement) Regulations, 2015

a) Credit rating - AAA/Stable ratings by CRISIL, A1+ by ICRAb) Asset cover available - 100%c) Debt equity ratio – 7.11 timesd) Debt service coverage ratio – 2.04 timese) Interest service coverage ratio - 1.49 timesf) Net worth - ̀ 8,404 croreg) Net profit after tax - 733 croreh) Earnings per share - Not Applicablei) Previous due dates for payment of interest for NCDs and whether the same has

been paid or not - Paid.

`

300

ANNUAL ACCOUNTS

1. 8.05% SS PS BOND 1997-98 31-Mar-98 10.76% 30,80,00,000.00 11-June-19

2. 8.05% SS PS BOND 1998-99 10-Feb-99 10.76% 44,70,00,000.00 11-June-19

3. 12.10% SS PS BOND 1999-00 16-Dec-99 9.79% 66,90,00,000.00 11-June-19

4. 9.75% SS PS BOND (EXIM BK-II) 28-Mar-02 7.84% 58,90,00,000.00 11-Mar-19

5. 7.19% NHB Tax Free Bonds 2022 14-Dec-12 7.19% 126,00,00,000.00 14-Dec-18

Series-I

6. 7.17% NHB Tax Free Bonds 2023 1-Jan-13 7.17% 110,00,00,000.00 1-Jan-19

Series-II

7. 6.87% NHB Tax Free Bonds 2023 6-Feb-13 6.87% 125,00,00,000.00 6-Feb-19

Series-III

8. 6.89% NHB Tax Free Bonds 2023 22-Mar-13 6.89% 82,90,00,000.00 22-Mar-19

Series-IV

9. 6.82% NHB Tax Free Bonds Public 26-Mar-13 6.82% 196,23,30,000.00 26-Mar-19

Issue 2012-13

10. 8.01% NHB Tax Free Bonds 2023 30-Aug-13 8.01% 17,00,00,000.00 30-Aug-18

Series-V

11. 8.46% NHB Tax Free Bonds 2028 30-Aug-13 8.46% 883,00,00,000.00 30-Aug-18

Series-V

12. NHB Tax Free Bonds 2014 13-Jan-14 8.26% 2100,00,00,000.00 14-Jan-19

Tranche-I to 9.01%

13. NHB Tax Free Bonds 2014 24-Mar-14 8.25% 1000,00,00,000.00 25-Mar-19

Tranche-II to 8.93%

14. 7.59% NHB Bonds 12-Mar-18 7.59% 50,00,00,000.00 15-Mar-19

15. 8.14% NHB Bonds 2021. 27-Dec-18 8.14% 735,00,00,000.00 N.A.

16. 8.05 % NHB Bonds 2022. 10-Jan-19 8.05% 1720,00,00,000.00 11-Mar-2019

17. 8.02% NHB Bonds 2022 30-Jan-19 8.02% 1165,00,00,000.00 N.A.

18. 8.00% NHB Bonds 2022 22-Feb-19 8.00% 1567,10,00,000.00 N.A.

19. 7.65% NHB Bonds 2022 25-Mar-19 7.65% 800,00,00,000.00 N.A.

TOTAL 108,40,13,30,000.00

S.No

Nomenclature of Bond Allotment Date

Rate of

Interest

Amount Last Interest

Payment Date

Date of interest paid on Outstanding Bonds are as below-

112


301

51. Debenture Trustee In terms of SEBI circular dated October 29, 2013 the contact details of the Debenture trustee(s) for various Bonds issued by National Housing Bank is as given below-

Debenture Trustee for Tax-free Bonds-

Compliance Officer, IL&FS Trust Company Ltd.The IL&FS Financial CenterPlot No. C–22, G Block, Bandra Kurla ComplexBandra(E), Mumbai 400051Phone: +91 22 2659 3927, Fax : +91 22 2653 3297 Email: [email protected] Web : www.vistraitcl.com

Debenture Trustee for Other Bonds-

Compliance Officer, IDBI Trusteeship Services LimitedAsian Building, Ground Floor17. R. Kamani Marg Ballard Estate, Mumbai Maharashtra – 400 001, IndiaPhone: +91 022 40807000, Fax: +91 022 66311776Email: [email protected], Web : www. idbitrustee.com

52. Consolidation of Special Fund with the General Fund

52.1 The Voluntary Deposits (Immunities and Exemptions) Act, 1991 was passed with the objectives of providing certain immunities and exemptions from direct taxes to persons making voluntary deposits with the National Housing Bank and exemptions from direct taxes in relation to such amounts. The amount so collected under the Voluntary Deposits Scheme is required to be kept in a Special Fund exclusively for the purpose of financing slum clearance and low cost housing for the poor. In terms of National Housing Bank (Slum Improvement & Low Cost Housing Fund) Regulations, 1993, Profit and Loss

thAccount for the year ended 30 June and Balance Sheet as on that date are required to be prepared each year in respect of the Special Fund and audited by the Statutory Auditors appointed by the Reserve Bank of India under Section 40 (1) of the National Housing Bank Act, 1987

52.2 Accordingly, the Profit and Loss account and the Balance Sheet of the Special Fund have been prepared as per the provision of the National Housing Bank (Slum Improvement & Low Cost Housing Fund) Regulations, 1993 and attached as Annexure to these financial statements. The balance lying in the Special Fund is included under the schedule “Reserves & Surplus” in the Bank’s consolidated Balance Sheet. Various assets and liabilities of the Special Fund have also been grouped in the consolidated Balance Sheet under the respective heads.

302

ANNUAL ACCOUNTS

53. Corporate Social Responsibility Activities

The National Housing Bank was established under the National Housing Bank Act, 1987, and hence the CSR provisions under the Companies Act, 2013 are not applicable. However, as voluntary act, the Board of Directors of the NHB while approving the budget for FY 2018-19 had allocated an amount of ` 2 crore towards CSR activities. Accordingly, NHB in FY 2018-2019 has made contribution of 1 crore each to Swachh Bharat Kosh and Clean Ganga Fund.

54. Regrouping

Figures for the previous year have been re-grouped, wherever necessary, so as to make them comparable with those of the current year.

`

112


303

55. (a) Cash Flow Statement for the year ended June 30, 2019

2018-19

(Amount in ? crore)

2017-18

(Amount in ? crore)

A) CASH FLOW FROM OPERATING ACTIVITIES Net Profit as per Profit & Loss Account 732.97 751.11 Adjustments for: Provision for Tax 493.50 349.31 Provision for Deferred Tax 88.00 67.26 Depreciation on fixed assets 5.65 7.06 Depreciation Reversal on Premises 0.00 (6.84)Loss on Sale of Investments 0.00 4.39 Depreciation on investments & amortisation (0.08) 7.32 Provision for Standards Assets 404.40 26.94 Provision for Non Performing Assets/Restructured (0.42) 0.00 Accounts(Gain)/Loss on revaluation of Forward Exchange 6.50 (5.79)ContractsProvision for Bad Debts u/s 36(1)(viia)(c) of 78.01 54.44 Income 1961Tax Act,(Profit)/Loss on sale of Fixed Assets (0.01) 0.07 (Gain)/Loss on revaluation of Foreign Deposits & 6.92 30.75Borrowings Provisions no longer required written back (0.14) (46.46)Premium on Forward Exchange Contract (14.45) (4.66)Income from Investments (192.03) (195.87)Profit on purchase and sale of Mutual Funds (11.28) (25.22)Profit on Sale of Investments (256.07) 0.00 Dividend on Equity of Housing Finance Companies (2.82) (1.98)Operating Profit before working capital changes 1,338.65 1,011.83 Adjustments for Working Capital (Increase)/Decrease in Deposits with Banks (556.03) 290.18 (Increase)/Decrease in Loans & Advances (12,121.17) (3,298.73)(Increase)/Decrease in Other Assets 589.60 277.80 Increase/(Decrease) in Current Liabilities (264.54) (433.68)Net cash from operating activities before taxes paid (11,013.49) (2,152.60)Less : Income Taxes Paid (454.00) (370.00)NET CASH FLOW FROM OPERATING (11,467.49) (2,522.60)ACTIVITIES BEFORE EXTRAORDINARY ITEMSExtraordinary Items 0.00 0.00 NET CASH FLOW FROM OPERATING (11,467.49) (2,522.60)AFTER EXTRAORDINARY ITEMS (A)

expense

ACTIVITIES

304

ANNUAL ACCOUNTS

B) CASH FLOW FROM INVESTING ACTIVITIES BEFORE EXTRAORDINARY ITEMS (Increase) / Decrease in Fixed Assets (1.33) (7.41)(Increase)/Decrease in Investments 143.81 (2123.82)Income from Investments 192.03 195.87 (Loss)/Gain on Sale of Investments 0.00 (4.39)(Loss)/Gain on revaluation of Forward Exchange (6.50) 5.79 ContractsProfit on purchase and sale of Mutual Funds 11.28 25.22 Profit on Sale of Investments 256.07 0.00 Dividend on Equity of Housing Finance Companies 2.82 1.98 NET CASH GENERATED FROM INVESTING 598.18 (1,906.76)

BEFORE EXTRAORDINARY ITEMS Receipts from sale of equity of HFCs 0.00 0.00 NET CASH GENERATED FROM INVESTING 598.18 (1,906.76)

AFTER EXTRAORDINARY ITEMS (B)C) CASH FLOW FROM FINANCING ACTIVITIES Increase in share capital 0.00 0.00 Net income under Staff Benevolent Fund 4.12 3.02 Increase / (Decrease ) in Bonds & Debentures 2,982.02 1,148.58 Increase / (Decrease ) in Deposits 4,401.79 181.12 Increase/(Decrease) in Borrowings 3,419.36 2,921.49 NET CASH GENERATED FROM FINANCING 10,807.28 4,254.21

(C)Net increase in cash and cash equivalents (A+B+C) (62.02) (175.15)Cash and cash equivalents at the beginning of the 460.40 635.55 Cash and cash equivalents at the end of the year 398.38 460.40

ACTIVITIES (A)

ACTIVITIES

ACTIVITIES

year

Particulars 2018-19 2017-18(Amount in (Amount in

crore) ? crore)

Cash in hand 0.00 0.00

Balances with Reserve Bank of India 0.05 0.04

Balance with banks-Current Account 398.34 460.36

Investment in Mutual Funds 0.00 0.00

Cash realised on forward exchange contract 0.00 0.00

Cash and cash equivalent before exchange rate adjustments 398.38 460.40

Effect of exchange rate changes-unrealised gains 0.00 0.00

Cash and cash equivalent after exchange rate adjustments 398.38 460.40

?

55 (b) Schedule to Cash & Cash Equivalents

112


305

Sr. Particulars 2018-19 2017-18

No.

i) Common Equity 8,403.91 7,687.69

ii) Additional Tier 1 capital - -

iii) Total Tier 1 capital (i+ii) 8,403.91 7,687.69

iv) Tier 2 capital 711.75 552.01

v) Total Capital ( Tier 1+Tier 2) 9,115.66 8,239.70

vi) Total Risk Weighted Assets (RWAs) 56,940.29 44,160.81

vii) Common Equity Ratio ( Common Equity as a percentage 14.76% 17.41%

of RWAs)

viii) Tier 1 Ratio ( Tier 1 capital as a percentage of RWAs) 14.76% 17.41%

ix) Capital to Risk Weighted Assets Ratio (CRAR) (Total Capital 16.01% 18.66%

as a percentage of RWAs

x) Percentage of the shareholding of the Government of India in 100.00% 0.00%

the AIFI*

xi) Amount of equity capital raised 0.00 0.00

xii) Amount of Additional Tier 1 capital raised; of which

a) Perpetual Non-Cumulative Preference Shares (PNCPS): 0.00 0.00

b) Perpetual Debt Instruments (PDI) 0.00 0.00

xiii) Amount of Tier 2 capital raised; of which 0.00 0.00

a) Debt capital instruments: 0.00 0.00

b) Perpetual Cumulative Preference Shares (PCPS) 0.00 0.00

c) Redeemable Non-Cumulative Preference Shares (RNCPS) 0.00 0.00

d) Redeemable Cumulative Preference Shares (RCPS) 0.00 0.00

1 Share-holding pattern as on the date of the Balance Sheet:Central Government* 100%*Refer to para 41 of Notes to Accounts

1.1 Capital adequacy(Amount in ? crore)

RBI Disclosure Requirements in Financial Statements as Notes to Accounts

* Refer to para 41 of Notes to Accounts

306

ANNUAL ACCOUNTS

1.2 Free Reserves and Provisions

1.2.1 Provisions on Standard Assets


Provisions towards Standard Assets 635.54 231.14

1.2.2 Floating Provisions

Amount in ? crore


a) Opening balance in the floating provisions account 0.00 0.00

b) The quantum of floating provisions made in the 0.00 0.00

c) Amount of draw down made during the accounting year 0.00 0.00

d) Closing balance in the floating provisions account 0.00 0.00

accounting year

1.3 Asset Quality and specific provisions

1.3.1 Non-Performing Advances


(i) Net NPAs to Net Advances (%) 0.00 0.00

(ii) Movement of NPAs (Gross)

(a) Opening balance 4.61 33.90

(b) Additions during the year - -

(c) Reductions during the year 0.42 29.29

(d) Closing balance 4.19 4.61

(iii) Movement of Net NPAs

(a) Opening balance - -


(c) Reductions during the year - -

(d) Closing balance - -

(iv) Movement of provisions for NPAs (excluding provisions - -

on standard assets)


(b) Provisions made during the year - -

(c) Write of / write back of excess provisions 0.42 29.29


Amount in ? crore

Amount in ? crore

112


307

1.3.2 Non-Performing Investment


(i) Net NPIs to Net Investments (%) - -

(ii) Movement of NPIs (Gross)





(iii) Movement of Net NPIs - -

(a) Opening balance - -



(d) Closing balance - -

(iv) Movement of provisions for NPIs (excluding provisions on - -

standard assets)


(b) Provisions made during the year - -

(c) Write of / write back of excess provisions - -


(Amount in ? Crore)


(i) Net NPAs to Net Assets (Advanced + investments) (%) - -

(ii) Movement of NPAs (Gross Advances + Gross investments)

(i) Opening balance 5.14 34.43

(j) Additions during the year - -

(k) Reductions during the year 0.42 29.29

(l) Closing balance 4.72 5.14

(iii) Movement of Net NPAs

(i) Opening balance - -

(j) Additions during the year - -

(k) Reductions during the year - -

(l) Closing balance - -

(iv) Movement of provisions for NPAs (excluding provisions on - -

standard assets)


(j) Provisions made during the year - -

(k) Write of / write back of excess provisions 0.42 29.29

(l) Closing balance 4.72 5.14

1.3.3 Non-Performing Assets (1.3.1+1.3.2) (Amount in ? Crore)

308

ANNUAL ACCOUNTS

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309

1.3.6 Write-offs and recoveries


Opening balance of Technical / Prudential written off accounts Nil Nil

as at July 1

Add : Technical / Prudential write offs during the year Nil Nil

Sub total (A) Nil Nil

Less : Recoveries made from previously technical / prudential

written off accounts during the year (B) Nil Nil

Closing balance as at June 30 (A-B) Nil Nil

1.3.7 Overseas Assets, NPAs and Revenue


Total Assets 164.25 210.92

Total NPAs 0.00 0.00

Total Revenue 6.35 4.95

1.3.5 Movement of Non-performing assets


Gross NPAs as on opening date of accounting period (Opening 4.61 33.90

Balance)

Additions (Fresh NPAs) during the year - -

Sub total (A) 4.61 33.90

Less :-

(i) Upgradations - -

(ii) Recoveries (excluding recoveries made from upgraded accounts) 0.42 29.29

(iii) Technical / Prudential Write offs - -

(iv) Write offs other than those under (iii) above - -

Sub-total (B) 0.42 29.29

Gross NPAs as on 30th June of following year (closing balance) (A-B) 4.19 4.61

Amount in ` crore

Amount in ` crore

Amount in ` crore

310

ANNUAL ACCOUNTS

1.3.9 Provisions and Contingencies

Provisions for depreciation on Investment (0.08) 7.32

Provision towards Non Performing Assets (0.42) -

Provision made towards Income tax 493.50 349.31

Provision made towards Deferred Tax 88.00 67.26

Provision for Standard Assets 404.40 26.94

Provisions for Bad Debt u/s 36(1)(viia) of the Income Tax Act 1961 78.01 54.44 (c)

1.3.10 Provisioning Coverage Ratio (PCR)


PCR (ratio of provisioning to gross non-performing assets) 100% 100%

1.3.8 Depreciation and provisions on investments


(1) Investments

(i) Gross Investments 3,501.60 3,652.32

(a) In India 3,501.60 3,652.32

(b) Outside India - -

(ii) Provisions for Depreciation 0.53 7.51

(a) In India 0.53 7.51


(iii) Net Investments 3,501.07 3,644.81

(a) In India 3,501.07 3,644.81


(2) Movement of provisions held towards depreciation on

investments


(ii) Add: Provisions made during the year (6.98) 4.58

(iii) Appropriation, if any, from Investment Fluctuation - -

Reserve Account during the year

(iv) Less: Write off/write back of excess provisions - -

during the year

(v) Less: Transfer, if any, to Investment Fluctuation - -

Reserve Account

(vi) Closing balance 0.53 7.51

Break up of ‘Provisions and Contingencies’ shown under the head Expenditure in Profit and Loss Account

2018-19 2017-18

Amount in ` crore

Amount in ` crore

112


311

1.4.2 Disclosure of Issuer Composition for Investment in Debt Securities Current Year

1 2 3 4 5 6 7

(i) PSUs 0.00 0.00 0.00 0.00 0.00

(ii) FIs 0.00 0.00 0.00 0.00 0.00

(iii) Banks 0.00 0.00 0.00 0.00 0.00

(iv) Private Corporates 0.00 0.00 0.00 0.00 0.00

(v) Subsidiaries / Joint 0.00 0.00 0.00 0.00 0.00

Ventures

(vi) Others 0.00 0.00 0.00 0.00 0.00

(vii) Provision held 0.00 0.00 0.00 0.00 0.00

towards depreciation

Total 0.00 0.00 0.00 0.00 0.00

Sr.No

Issuer AmountExtent of Private

Placement

Extent of ‘Below Investment

Grade’ Securities

Extent of ‘Unrated’ Securities

Extent of ‘Unlisted’ Securities

1.4 Investment portfolio: constitution and operations1.4.1 Repo Transactions

Securities sold under repo Nil Nil Nil Nil

i. Government securities Nil Nil Nil Nil

ii. Corporate debt securities Nil Nil Nil Nil

Securities purchased under Nil Nil Nil Nil

reverse repo

i. Government securities Nil Nil Nil Nil

ii. Corporate debt securities Nil Nil Nil Nil

Minimum outstanding

during the year

Maximum outstanding

during the year

Daily Average outstanding

during the year

Outstanding as on June

30, 2019

Amount in ` crore

Amount in ` crore

312

ANNUAL ACCOUNTS

1.4.3 Sale and Transfers to / from HTM Category: 93.15 (PY-Nil)

During the FY 2018-19, G-Secs purchased at ` 100.05 Crore (PY Net Book Value `93.07

Crore) have been shifted from AFS to HTM category as per RBI's stipulated norms.

Previous Year

1 2 3 4 5 6 7

(i) PSUs 0.00 0.00 0.00 0.00 0.00

(ii) FIs 0.00 0.00 0.00 0.00 0.00

(iii) Banks 0.00 0.00 0.00 0.00 0.00

(iv) Private Corporates 0.00 0.00 0.00 0.00 0.00

(v) Subsidiaries / Joint 0.00 0.00 0.00 0.00 0.00

Ventures

(vi) Others 0.00 0.00 0.00 0.00 0.00

(vii) Provision held 0.00 0.00 0.00 0.00 0.00

towards depreciation

Total 0.00 0.00 0.00 0.00 0.00

Sr.No

Issuer AmountExtent of Private

Placement

Extent of ‘Below Investment

Grade’ Securities

Extent of ‘Unrated’ Securities

Extent of ‘Unlisted’ Securities

Amount in ` crore

112


313

1.5 Details of Financial Assets purchased/ sold

1.5.1 Details of Financial Assets Sold to Securitisation/Reconstruction company for Assets Reconstructions

A. Details of Sales


(i) No. of accounts Nil Nil

(ii) Aggregate value (net of provisions) of accounts sold to SC/RC Nil Nil

(iii) Aggregate consideration Nil Nil

(iv) Additional consideration realized in respect of accounts Nil Nil

transferred in earlier years

(v) Aggregate gain / loss over net book value Nil Nil

Amount in ` crore

B. Details of Book Value of Investments in Security Receipts

(i) Backed by NPAs sold by the AIFI as underlying Nil Nil

(ii) Backed by NPAs sold by banks / other financial institutions

/ non- banking financial/ companies as underlying Nil Nil

Total Nil Nil

Particulars Book value of investments

in security receipts

2018-19 2017-18

1.5.2 Details of Non Performing Financial Assets Purchased / Sold

A. Details of non performing financial assets purchased


1. (a) No. of accounts purchased during the year Nil Nil

(b) Aggregate outstanding Nil Nil

2. (a) Of these, number of accounts restructured during the year Nil Nil

(b) Aggregate outstanding Nil Nil

(Amount in ? Crore)

Amount in ` crore

314

ANNUAL ACCOUNTS

B. Details of non performing financial assets sold:


1. No. of accounts sold Nil Nil

2. Aggregate outstanding Nil Nil

3. Aggregate consideration received Nil Nil

1.6 Operating Results


(i) Interest Income as a percentage to Working Funds 7.06% 7.03%

(ii) Non interest income as a percentage to Working Funds 0.43% 0.14%

(iii) Operating Profit as a percentage to Working Funds 2.55% 1.97%

(iv) Return on Assets 1.04% 1.22%

(v) Net Profit per employee (? in crore) 6.72 6.26

Amount in ` crore

1.7 Credit Concentration risk

1.7.1 Capital market exposure

Nil Nil

Nil Nil

Nil Nil

Nil Nil

Nil Nil


Nil Nil

(i) direct investment in equity shares, convertible bonds, convertible debentures and units of equity oriented mutual funds the corpus of which is not exclusively invested in corporate debt; @

(ii) advances against shares / bonds / debentures or other securities or on clean basis to individuals for investment in shares (including IPOs / ESOPs), convertible bonds, convertible debentures, and units of equity oriented mutual funds;

(iii) advances for any other purposes where shares or convertible bonds or convertible debentures or units of equity oriented mutual funds are taken as primary security;

(iv) advances for any other purposes to the extent secured by the collateral security of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds i.e. where the primary security other than shares / convertible bonds / convertible debentures / units of equity oriented mutual funds does not fully cover the advances;

(vi) loans sanctioned to corporates against the security of shares / bonds/debentures or other securities or on clean basis for meeting promoter’s contribution to the equity of new companies in anticipation of raising resources;

(v) secured and unsecured advances to stock brokers and guarantees issued on behalf of stock brokers and market maker;

112


315

Nil Nil

Nil Nil

Nil Nil

Nil Nil

Nil Nil

(vii) bridge loans to companies against expected equity flows/ issues;

(viii) underwriting commitments taken up by the AIFI in respect of primary issue of shares or convertible bonds or convertible debentures or units of equity oriented mutual funds;

(ix) financing to stockbrokers for margin trading;

(x) all exposures to Venture Capital Funds (both registered and unregistered)

Total Exposure to Capital Market

'@ Bank's exposure is in unlisted equity only amounting to ? 731.14 crore

1.7.2 Exposure to Country risk

Insignificant 164.25 0 210.92 0

Low 0 0 0 0

Moderate 0 0 0 0

High 0 0 0 0

Very High 0 0 0 0

Restricted 0 0 0 0

Off-credit 0 0 0 0

Total 0 0 0 0

Risk Category#Exposure (net) as at June 2019

Provision held as at June 2019

Exposure (net) as at June 2018

Provision held as at June 2018

# As per RBI Circular No. DBOD.BP.BC.71/21.04.103/2002-03 dtd 19.02.2003 on "Risk Management in Banks-Guidelines on Country Risk Management" the guidelines are applicable only in respect of countries where a bank has exposure of 2% or more of its assets. In case of NHB, since exposure pertains only to Deposits placed with Foreign Branches of Indian Banks (Canara

Bank-London and BoI-New York Branch) and value of total deposits is ? 164.25 crore as at

June 30, 2019 which is less than 2% of total assets of the Bank, the guidelines may not be applicable for NHB.

Amount in ` crore

316

ANNUAL ACCOUNTS

1.7.3 Prudential Exposure Limits- Single Borrower Limit(SGL)/Group Borrower Limit (GBL) Exceeded by the AIFI

(i) The number and amount of exposures in excess of the prudential exposure limits during the year

1 # Nil

Total

Sl. No.

PAN No.

Borrower Name

Industry Code

Industry Name

Sector Amount Funded

Amount Non-

Funded

Exposure as percentage to capital Funds

# Since Prudential Norms are not prescribed by RBI for credit exposure. It is internally decided by Board.

Amount in ` crore

112


317

(ii) Credit exposure as percentage to capital funds and as percentage to Total Asset, in respect of:

2018-19 2018-19 2017-18 2017-18

- The largest single borrower 115.08% 13.88% 91.48% 11.91%

- The largest borrower group 64.97% 7.83% 85.74% 11.17%

- The 20 largest single borrowers 679.19% 81.90% 631.74% 82.27%

- The 20 largest borrower groups$ 106.77% 12.87% 189.34% 24.66%

HB has only five borrower groups$ N

%age to total assets

Particulars % age to capital fund

%age to total assets

%age to capital fund

(iii) Credit exposure to the five largest industrial sector as percentage to total loan assets

Not Applicable

(iv) Total amount of advances for which intangible securities such as charge over the rights, licenses, authority, etc. have been taken as also the estimated value of such intangible collateral.

Nil* (*Though the project finance outstanding secured by intangible securities such as charge over the rights, licenses, authority, etc. is NIL, an outsanding amount of 92.80 crore is secured by Government Guarantee as on 30.06.2019 while an amount of ̀ 0.13 crore is secured by Bank Guarantee)

`

(v) Factoring Exposure Not Applicable

(vi) Exposures where the FI had exceeded the Prudential Exposure Limits during the year

Nil

Amount in ` crore

318

ANNUAL ACCOUNTS

1.7.4 Concentration of borrowings /lines of credit, credit exposures and NPAs

a) Concentration of borrowings and lines of credit


Total borrowings from twenty largest lenders 42,543.56 36,490.86

Percentage of borrowings from twenty largest lenders 67.00% 69.26%

to total borrowings of the AIFI

b) Concentration of credit exposures*


Total exposures to twenty largest borrowers 61,912.67 53,048.08

Percentage of exposures to twenty largest borrowers to 89% 90%

Total Advances of the AIFI

Total Exposure to twenty largest borrowers /customers 61,912.67 53,048.08

Percentage of exposures to twenty largest borrowers/customers

to Total Exposure of the AIFI on borrowers /customers

In the case of EXIM Bank, percentage of total of top ten country Not Not

exposures to total exposures Applicable Applicable

88% 89%

Amount in ` crore

Amount in ` crore

112


319

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320

ANNUAL ACCOUNTS

Sr.No. Particulars 2018-19 2017-18

1 Name of entity: National Housing Bank

2 Foreign Currency Exposure (FCE) 2,180.80* 1,365.77

3 FCE having maturity or having cash flows over the period 1,371.10 741.92

4 Amount covered by financial hedge (Out of 3 above) 1,002.88 513.13

5 Amount covered by natural hedge (Out of 3 above) 368.22 228.79

6 Unhedged Foreign Currency Exposure(3-4-5) 0.00 0.00

of next five year (out of 2 above)

1.7.5 Unhedged Foreign Currency Exposure

1.8 Derivatives

1.8.1 Forward Rate Agreement / Interest Rate Swap


1 The notional principal of swap agreements Nil Ni

2 Losses which would be incurred if counterparties failed Nil Nil

3 Collateral required by the AIFI upon entering into swaps Nil Nil

4 Concentration of credit risk arising from the swaps Nil Nil

5 The fair value of the swap book Nil Nil

to fulfil their obligations under the agreements

1.8.2 Exchange Traded Interest Rate Derivatives


(i) Notional principal amount of exchange traded interest rate Nil Nil

(ii) Notional principal amount of exchange traded interest rate Nil Nil

(iii) Notional principal amount of exchange traded interest rate Nil Nil

(iv) Mark to market value of exchange traded interest rate Nil Nil

derivatives undertaken during the year (instrument wise)

derivatives outstanding as on 30th June (instrument wise)

derivatives outstanding and not ‘highly effective’

(instrument wise)

derivatives outstanding and not ‘highly effective’

(instrument wise)

Amount in ` crore V

*Including the deposits placed with Bank of India, Canara Bank and EXIM Bank

112


321

• The Bank has in-place derivative policy approved by the board which permits use of derivative products in line with business goals of the Bank. The policy has delegated powers to enter into swaps only at very senior level

• Counter party exposure limits are within the overall limits set for each counter party. The credit equivalent of swaps are computed as per current exposure method as prescribed by RBI

• The Bank has the necessary infrastructure where the functions are well defined i.e. Front office, Back office & Mid Office.

• The position of the swaps is continuously monitored. ALCO reviews the valuations of the outstanding positions on a monthly basis. Futher, the Board is apprised of the position on a quarterly bases including the valuation of the swaps.

• The Bank uses financial derivative transactions predominantly for hedging its assets/liabilities and for reducing cost. The Bank currently deals only in plain vanilla over-the-counter (OTC) interest rate and currency derivatives, for managing interest rate risks. The Bank shall use such bench marks where pricing is transparent and that are permitted by RBI.

• The interest exchanged on the swaps is accounted on an accrual basis

1.8.3 Disclosures on risk exposure in derivatives (i) Qualitative disclosures

(ii) Quantitative disclosures

* Since, the PVBP is calculated on a quarterly basis, the maximum and the minimum values are taken from a quarterly basis.

1.9 Disclosure of Letters of Comfort (LoCo) issued by AIFLs Nil

(i) Derivatives (Notional Principal

Amount)

a) For hedging 1,972.52 0 1,185.17 0

b) For trading 0 0 0 0

(ii) Marked to Market Positions[1]

a) Asset (+) 0 88.76

b) Liability (-) 5.48 0 0

(iii) Credit Exposure [2] 144.13 0 96.36 0

(iv) Likely impact of one percentage 0 0

change in interest rate (100*PV01)

a) on hedging derivatives 71.70 0 44.71 0

b) on trading derivatives 0 0

(v) Maximum and Minimum 0 0

of 100*PV01 observed during

the year*

a) on hedging 75.19/41.13 0 48.06/32.90 0

b) on trading

Sr. No

Particular2018-19 2017-18

Currency Derivatives

Interest rate derivatives

Currency Derivatives

Interest rate derivatives

Amount in ` crore

322

ANNUAL ACCOUNTS

1.10

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112


323

Draw Down from Reserves 2018-19 2017-18

NIL Nil Nil

2

2018-19 2017-18

Return on Equity 9.10% 10.25%

Return on Assets 1.04% 1.22%

Net Profit Per Employee (? in crore) 6.72 6.26

4 Disclosure of Penalities imposed by RBI Nil

5 Disclosure of Complaints(a) Customer Complaints

3 Business Ratios

2018-19 2017-18

(a) No. of complaints pending at the beginning of the year 1 1

(b) No. of complaints received during the year 22 105

(c) No. of complaints redressed year 22 105

(d) No. of complaints pending at the end of the year 1 1

6 Off-Balance Sheet SPVs Sponsored (which are required to be consolidated as per accounting norms)

Name of the SPV sponsored

Domestic Overseas

Nil Nil

7.1 Accounting Standard 5 – Net Profit or Loss for the period, prior period items and changes in accounting policies.

2018-19 2017-18

Prior Period Income@ 0.05 8.07

Prior Period Expense 0.24 0.87@

7 Disclosure as per specific accounting standards.

Amount in ` crore

@ Please refer para 27 of Notes to Accounts

324

ANNUAL ACCOUNTS

7.3 Accounting Standard 18 – Related Party Disclosures

Refer to para 20 of Notes to Accounts.

2018-19 2017-18

Unamortised Pension and Gratuity Liabilities Nil Nil

8

7.2 Accounting Standard 17-Segment ReporingRefer to para 19 of Notes to Accounts



Firm Reg. No. 001113N/N500079

(Dr. D. S. Rawat) Partner

Membership No. 083030

Sd/-

Sd/-R.K. Arvind

Regional Manager

Sd/-Mohit Kaul


Sd/-Rakesh Awasthi



Executive Director

Sd/-S.K. Hota

Managing Director

Sd/-Pankaj Jain

Director


112


325

Statement on Impact of Audit Qualification for the Financial Year ended June 30, 2019

[See Regulation 33 / 52 of the SEBI (LODR) (Amendment) Regulations, 2016]

I. SI.

No.PARTICULAR

Audited Figures

(as reported before

adjusting for

qualification

Audited Figures

(audited figures

after adjusting for

qualifications)

1 Turnover/ Total Income 527,554.84 527,554.84

2 Total Expenditure 347,916.98 347,916.98

3 Net Profit/(Loss) 73,297.10 73,297.10

4 Earning Per Share - -

5 Total Assets 7,559,778.21 7,559,778.21

6 Total Liabilities 7,559,778.21 7,559,778.21

7 Net Worth 840,390.75 840,390.75

8 Any other financial items(s) (as - -

felt appropriate by the management)

Audit Qualification (each audit qualification separately):II.

a. Details of Audit Qualification: No Qualification

b. Type of Audit Qualification: Not Applicable

c. Frequency of qualification: Not Applicable

d. For Audit Qualification(s) where the impact is quantified by the auditor,

Management's Views: Not Applicable

e. For Audit Qualification(s) where the impact is not quantified by the auditor: Not

Applicable

(i) Management's estmation on the impact of audit qualification: Not Applicable

(ii) If Management is unable to estimate the impact, reasons for the same: Not Applicable

(iii) Auditors' Comments on (i) of (ii) above: Not Applicable

III. Signatories:

Rakesh Awasthi, Chief Financial Officer Sd/-

S.K. Hota, Managing Director Sd/-

Pankaj Jain, Audit Committee Chairman Sd/-

Dr. D.S. Rawat, Partner, Membership No. 083030, Bansal & Co.

LLP, Chartered Accountants, Firm Reg. No. 001113N/N500079 Sd/-

Place: New Delhi

Date: August 22, 2019

` in lakh

326

ANNUAL ACCOUNTS

NATIONAL HOUSING BANK

(July, 2018 to June, 2019)(SPECIAL FUND)

YEARLYACCOUNTS

2018-19

61.82 1. Special Fund (Slum Improvement and 61.82

2. Reserves:

23.31 (i) Special Reserve u/s 36(1)(viii) of 24.90

3.00 (ii) Investment Fluctuation Reserve 3.00

360.87 (iii) Reserve Fund -VDS 377.28 405.18

3. Profit & Loss Account:

12.33 Add: Profit transferred from the 16.41

12.33 Less: Transfer to Reserve Fund -VDS 16.41 0.00

4. Current Liabilities and Provisions:

112.09 (i) Provision for Income Tax 123.09

0.81 (ii) Provision for Standard Assets 0.71

18.29 (iii) Provision for Bad and Doubtful Debts 20.14

50.00 (iv) Others 50.00 193.94

7.52 5. Deferred Tax Liability 7.93

637.71 TOTAL 668.87

Low Cost Housing Fund)

Income Tax Act, 1961

Profit and Loss A/c

u/s 36(1)(viia)(c) of Income Tax Act, 1961


0.08 1. Provision for Standard Assets (0.10)

1.18 2. Provision for Bad and Doubtful Debts u/s 1.85

0.78 3. Deferred Tax 0.41

7.20 4. Provision for Income Tax 11.00

14.36 5. Balance of Profit carried down 18.00

23.60 TOTAL 31.16

2.02 6. Transfer to Special Reserve u/s 36(1)(viii) 1.59

12.34 7. Balance Carried to Balance Sheet 16.41

14.36 TOTAL 18.00

36(1)(viia)(c) of Income Tax Act, 1961

of Income Tax Act, 1961

Expenditure

Profit & Loss Account

Sd/-R.K. Arvind

Regional Manager

Sd/-Mohit Kaul


Sd/-Rakesh Awasthi



Executive Director

Sd/-S.K. Hota

Managing Director

Sd/-Pankaj Jain

Director


328

ANNUAL ACCOUNTS SPECIAL FUND

Previous Year Current Year Liabilities

(Slum Improvement andNational Housing BankBalance Sheet

Amount in ` crore


1. Cash and Bank Balances:

0.04 Current Account 0.04

2. Investments(at cost or market value whichever is less):

399.73 Treasury Bills 458.39

3. Loans & Advance:

108.21 Direct Lending 94.07

0.72 Less:Provisions for Non Performing Assets 0.72 93.35

4. Other Assets:

0.01 (i) Interest Receivable on Bank Deposits 0.01

4.75 (ii) Interest Receivable on Investments 2.52

104.06 (iii) Advance Tax and TDS 104.06

21.63 (iv) Amount Recoverable from General Fund 10.50 117.09

Assets

Low Cost Housing Fund

as at 30th June, 2019

Amount in ` crore

for the year ended 30th June, 2019

Previous Year Current Year Income

11.06 1. Interest on Loans and Advances 7.68

12.49 2. Income from Investments 23.48

0.05 3. Provision no longer required 0.00

23.60 TOTAL 31.16

12.34 4. Balance of Profit brought down 16.41

2.02 5. Transfer from Special Reserve in terms of 1.59

Section 36(1)(viii) of Income Tax Act, 1961

Amount in ` crore

Notes forming part of Accounts

1. Balance Sheet and Profit & Loss Account of Special Fund have been drawn in accordance with the provisions of

National Housing Bank (Slum Improvement and Low Cost Housing Fund) Regulation, 1993.

2. NHB (Slum Improvement and Low Cost Housing Fund) represent 40% of the amounts deposited by any person

voluntarily in accordance with the NHB Voluntary Deposit Scheme (VDS)

3. The Bank do not charge staff expense or other operating expense to Special Fund Account.

112


329

637.71 TOTAL 668.87


for Bansal & Co. LLP

Chartered Accountants

(Dr. D. S. Rawat)

Partner, Membership No. 083030

Sd/-

14.36 TOTAL 18.00


Appendices

Appendix I

Individual Housing Loans of HFCs and PSBs during 2018-19 (April 1 to March 31)

Appendix II

Net Resources Mobilized by NHB during 2018-19 (July 1 to June 30)

S. No.

Slab-wise Individual Housing Loan

Disbursements

Amount

(in ? crore)

% of Total

No. of Units

% of Total

1 Upto ?2 lakh 3,147 1 3,39,172 9

2 > ?2 lakh to ≤ ?5 lakh 7,315 2 3,30,726 8

3 > ?5 lakh to ≤ ?10 lakh 31,331 7 7,39,178 19

4 > ?10 lakh to ≤ ?25 lakh 1,35,048 29 14,94,375 38

5 > ?25 lakh 2,83,731 62 9,89,307 25

Total 4,60,572 100 38,92,758 100

Source: Data collected by NHB from HFCs and PSBs

S. No. Instruments Amount (in ? crore)

1 Taxable Bonds 5,987

2 Commercial Papers 2,955

3 Short Term Loan 4,505

4 Deposits under AHF 7,500

5 Foreign Borrowings 905

Total (rounded off) 21,852

112


331

Appendix III

Resources Outstanding as on 30-06-2019

Appendix IV

Refinance Disbursements during 2018-19 - Institution Category-wiseAmount (in ? crore)

S. No. Instruments Amount (in ? crore)

1 Tax Free Bonds 4,641

2 Special Series Bonds 163

3 Capital Gain Bonds (Overdue) 3

4 Other Bonds 6,037

5 Commercial Papers 2,955

6 Loan Against Deposits 0

7 Short Term Loan 4,505

8 Borrowings from RBI 0

9 Foreign Borrowings 1,941

10 Rural Housing Fund 22,500

11 Urban Housing Fund 10,500

12 Affordable Housing Fund 7,500

13 SUNIDHI Term Deposit 78

14 SUVRIDDHI Term Deposit 22

15 TREP 2,655

Total (rounded off) 63,500

S. No. Institution Category 2016-17 2017-18 2018-19

1 HFCs 16,779 11,508 21,736

2 SCBs 5,696 13,283 3,300

3 Others 209 130 141

Total 22,684 24,921 25,177

332

APPENDICES

Appendix V

Refinance Disbursements during 2018-19 - Scheme-wise

Appendix VI

Refinance Disbursements during 2018-19 - Individual Housing Loans Slab-wise

Appendix VII

Cumulative Refinance Disbursements upto June 30, 2019

Amount (in ? crore)

S. No. Institution Category Regular AHF-Urban AHF-Rural U-LIH Total

1 HFCs 15,118 6,074 520 24 21,736

2 SCBs 2,340 610 350 0 3,300

3 Others 0 50 91 0 141

Total 17,458 6,734 961 24 25,177

S. No. Slab-wise Housing Amount % of Total No. of Units %

Loan (in ? crore)

1 Upto ?2 lakh 1,029 4 2,10,624 52

2 > ?2 to £ ?5 lakh 698 3 20,833 5

3 > ?5 to £ ?10 lakh 3,306 13 53,033 13

4 > ?10 to £ ?15 lakh 5,628 22 49,184 12

5 > ?15 to £ ?20 lakh 6,313 25 39,109 10

6 > ?20 to £ ?25 lakh 4,376 17 21,818 5

7 > ?25 lakh 3,827 15 13,693 3

Total 25,177 100 4,08,294 100

of Total

S. No. Institution Category Amount (in ? crore) % of Total

1 HFCs 1,19,834 51

2 SCBs 1,11,636 47

3 RRBs 2,066 1

4 Others (including Cooperatives) 3,168 1

Total 2,36,704 100

112


333

Appendix VIII

Refinance Outstanding

Appendix IX

Rural Housing Fund Disbursements

2008-09 1,778 1,545 0 202 15 1,761 95,577

2009-10 2,000 1,795 0 185 36 2,016 70,995

2010-11 2,000 1,688 182 134 0 2,004 42,859

2011-12 3,000 2,126 721 143 13 3,003 1,26,795

2012-13 4,000 1,940 1,802 285 0 4,027 3,56,480

2013-14 6,000 2,326 1,023 94 0 3,444 5,35,299

2014-15 8,000 2,101 2,599 220 0 4,920 2,74,924

2015-16 0 2,943 439 370 0 3,752 58,433

2016-17 4,500 3,482 918 155 0 4,556 3,36,804

2017-18 0 894 933 1 0 1,828 49,267

2018-19* 0 0 0 0 0 0 0

Total 31,278 20,839 8,619 1,789 64 31,311 19,47,433

Year AllocationUtilization

HFCs SCBs RRBs Others Total No. of Units


Amount in ` crore

Amount in ` crore

S. No. Institution Category 30-06-2015 30-06-2016 30-06-2017 30-06-2018 30-06-2019

1 HFCs 34,300 29,735 40,312 38,146 50,145

2 SCBs 18,575 22,045 13,276 19,524 18,010

3 Others 1,156 1,284 1,217 1,055 940

Total 54,031 53,064 54,805 58,725 69,095

334

APPENDICES

Appendix X

Urban Housing Fund Disbursements


Appendix XI

Affordable Housing Fund Disbursements

2018-19 7,500 6,594 960 91 50 7,695 1,37,176

Total 7,500 6,594 960 91 50 7,695 1,37,176



Amount in ` crore

Amount in ` crore

2013-14 2,000 129 744 0 0 873 18,310

2014-15 4,000 902 2,769 0 30 3,700 1,26,373

2015-16 0 94 1,256 33 0 1,383 28,251

2016-17 3,000 1,896 278 4 50 2,228 20,238

2017-18 1,500 1,649 538 79 50 2,316 21,399

2018-19* 0 0 0 0 0 0 0

Total 10,500 4,670 5,584 116 130 10,500 2,14,571



112


335

Appendix XII

Disbursements under Project Finance - Year-wise

Appendix XIII

Housing Finance Companies Granted Certificate of Registration in 2018-19

Amount in ` crore

Year Disbursements Cumulative Disbursements

2005-06 365 1,023

2006-07 172 1,195

2007-08 449 1,644

2008-09 35 1,679

2009-10 52 1,731

2010-11 312 2,043

2011-12 64 2,107

2012-13 93 2,200

2013-14 34 2,234

2014-15 - 2,234

2015-16 97 2,331

2016-17 75 2,406

2017-18 - 2,406

2018-19 - 2,406

S. No. Name of the HFC Date of issue of CoR

1. Easy Home Finance Limited 31-Jul-18

2. Sasvitha Home Finance Private Limited 31-Jul-18

3. Varashakti Housing Finance Private Limited 28-Jan-19

4. Capital India Home Loans Ltd. 07-Feb-19

5. Nanayasurabhi Affordable Housing Finance Limited 15-May-19

6. Indie Homefin Private Limited 15-May-19

7. Aham Housing Finance Private Limited 17-Jun-19

336

APPENDICES

Appendix XIV

Sale of Equity Stake by the Bank

Appendix XV

Representation of SCs, STs, and OBCs as on 30-06-2019

*Note: The officers’ strength shown above excludes MD, ED and CVO.#In NHB, reservation is applicable only for direct recruitment and promotion of an officer to higher rank is made on merit basis (Selection method).

S. No. Name of the HFC

% of Equity Shareholding

Amount of Investments

Name of the Buying Promoter

Inflow

(in ? crore)

Date of Inflow

1. SGRL 5.48% ?2.11 croreSEWA Mutual Benefit Trust (SMBT)

?4.62 Mar 20, 2019

MRHFL 11.00% ?33.22 croreMahindra & Mahindra Financial Services Limited (MMFSL)

2. ?286.78Apr

26, 2019

Groups Number of Employees Number of appointments made duringthe previous calendar year

By Direct Recruitment By Promotion# By other

Total SCs STs OBCs Total SCs STs OBCs Total SCs S Total SCs STs

1 2 3 4 5 6 7 8 9 10 11 12 13 14

Group A 109* 13 04 29 - - - - - - - - -

Total 109 13 04 29 - - - - - - - - -

112


337

Appendix XVI - City-wise HPI@Assessment Prices till Quarter Jan-Mar 2019

Ahmedabad 100 105 114 116 120 5.0 8.6 1.8 3.4 20.0

Bengaluru 99 102 109 110 114 3.0 6.9 0.9 3.6 15.2

Bhiwadi 99 103 112 113 121 4.0 8.7 0.9 7.1 22.2

Bhopal 101 101 103 104 102 0.0 2.0 1.0 -1.9 1.0

Bhubaneswar 100 102 105 107 111 2.0 2.9 1.9 3.7 11.0

Bidhan Nagar 100 102 105 108 107 2.0 2.9 2.9 -0.9 7.0

Chakan 100 103 104 105 97 3.0 1.0 1.0 -7.6 -3.0

Chandigarh (Tricity) 100 104 104 106 105 4.0 0.0 1.9 -0.9 5.0

Chennai 100 101 101 102 105 1.0 0.0 1.0 2.9 5.0

Coimbatore 100 101 106 110 119 1.0 5.0 3.8 8.2 19.0

Dehradun 99 100 102 107 105 1.0 2.0 4.9 -1.9 6.1

Delhi 100 99 98 98 98 -1.0 -1.0 0.0 0.0 -2.0

Faridabad 100 100 102 102 100 0.0 2.0 0.0 -2.0 0.0

Gandhinagar 99 106 111 115 119 7.1 4.7 3.6 3.5 20.2

Ghaziabad 99 100 101 104 108 1.0 1.0 3.0 3.8 9.1

Greater Noida 101 102 103 104 104 1.0 1.0 1.0 0.0 3.0

Gurugram 100 100 101 102 102 0.0 1.0 1.0 0.0 2.0

Guwahati 100 101 103 105 112 1.0 2.0 1.9 6.7 12.0

Howrah 100 102 105 105 111 2.0 2.9 0.0 5.7 11.0

Hyderabad 100 104 109 111 122 4.0 4.8 1.8 9.9 22.0

Indore 100 103 106 107 111 3.0 2.9 0.9 3.7 11.0

Jaipur 100 100 101 103 104 0.0 1.0 2.0 1.0 4.0

Kalyan Dombivali 100 102 105 108 109 2.0 2.9 2.9 0.9 9.0

Kanpur 99 99 100 99 106 0.0 1.0 -1.0 7.1 7.1

Kochi 100 100 101 101 94 0.0 1.0 0.0 -6.9 -6.0

Kolkata 100 103 104 104 107 3.0 1.0 0.0 2.9 7.0

Lucknow 100 101 103 103 103 1.0 2.0 0.0 0.0 3.0

Ludhiana 101 100 101 103 107 -1.0 1.0 2.0 3.9 5.9

Meerut 100 101 104 106 107 1.0 3.0 1.9 0.9 7.0

Mira Bhayander 100 102 104 106 109 2.0 2.0 1.9 2.8 9.0

Mumbai 100 102 104 105 105 2.0 2.0 1.0 0.0 5.0

Nagpur 100 101 102 102 105 1.0 1.0 0.0 2.9 5.0

Nashik 100 103 105 105 106 3.0 1.9 0.0 1.0 6.0

Navi Mumbai 100 101 104 107 108 1.0 3.0 2.9 0.9 8.0

New Town Kolkata 101 105 108 110 120 4.0 2.9 1.9 9.1 18.8

Noida 100 103 107 111 111 3.0 3.9 3.7 0.0 11.0

Panvel 100 102 105 107 113 2.0 2.9 1.9 5.6 13.0

Patna 100 100 101 104 108 0.0 1.0 3.0 3.8 8.0

Pimpri Chinchwad 101 101 103 103 99 0.0 2.0 0.0 -3.9 -2.0

Pune 100 104 106 107 107 4.0 1.9 0.9 0.0 7.0

Raipur 100 101 103 103 109 1.0 2.0 0.0 5.8 9.0

Rajkot 100 100 102 102 101 0.0 2.0 0.0 -1.0 1.0

Ranchi 99 101 103 112 117 2.0 2.0 8.7 4.5 18.2

Surat 100 101 103 103 106 1.0 2.0 0.0 2.9 6.0

Thane 100 103 107 107 107 3.0 3.9 0.0 0.0 7.0

Thiruvananthapuram 99 101 104 104 111 2.0 3.0 0.0 6.7 12.1

Vadodara 99 102 104 104 107 3.0 2.0 0.0 2.9 8.1

Vasai Virar 100 101 104 104 103 1.0 3.0 0.0 -1.0 3.0

Vijayawada 100 100 100 100 99 0.0 0.0 0.0 -1.0 -1.0

Vizag 100 101 102 103 107 1.0 1.0 1.0 3.9 7.0

Four Quarter Moving Average Values

Name of City Index Q-o-Q Y-o-Y

Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-18vs

Mar-18

Sep-18 vs

Jun-18

Dec-18 vs

Sep-18

Mar-19 vs

Dec-18

Mar-19 vs

Mar-18(% change) (% change) (% change) (% change) (% change)

338

APPENDICES

Appendix XVII - City-wise HPI@Market Prices for Under Construction Properties till Quarter Jan-Mar 2019

Name of City Index Q-o-Q Y-o-Y

Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-18vs

Mar-18

Sep-18 vs

Jun-18

Dec-18 vs

Sep-18

Mar-19 vs

Dec-18

Mar-19 vs

Mar-18(% change)

Ahmedabad 100 101 101 102 103 1 0 1 1 3

Bengaluru 100 100 101 101 101 0 1 0 0 1

Bhiwadi 100 102 104 103 102 2 2 -1 -1 2

Bhopal 100 100 100 100 100 0 0 0 0 0

Bhubaneswar 100 101 103 104 105 1 2 1 1 5

Bidhan Nagar 100 103 106 107 109 3 3 1 2 9

Chakan 100 100 100 100 100 0 0 0 0 0

Chandigarh (Tricity) 100 100 101 100 100 0 1 -1 0 0

Chennai 100 101 102 102 103 1 1 0 1 3

Coimbatore 100 101 103 103 103 1 2 0 0 3

Dehradun 100 101 101 101 100 1 0 0 -1 0

Delhi 100 101 102 101 99 1 1 -1 -2 -1

Faridabad 101 99 98 93 92 -2 -1 -5 -1 -9

Gandhinagar 100 102 104 106 108 2 2 2 2 8

Ghaziabad 100 101 102 102 102 1 1 0 0 2

Greater Noida 100 101 102 102 102 1 1 0 0 2

Gurugram 99 101 103 104 102 2 2 1 -2 3

Guwahati 100 101 103 106 108 1 2 3 2 8

Howrah 100 99 101 102 103 -1 2 1 1 3

Hyderabad 100 102 105 108 112 2 3 3 4 12

Indore 101 102 103 105 107 1 1 2 2 6

Jaipur 00 100 102 104 105 0 2 2 1 5

Kalyan Dombivali 100 103 106 110 113 3 3 4 3 13

Kanpur 100 100 100 101 102 0 0 1 1 2

Kochi 101 101 101 101 99 0 0 0 -2 -2

Kolkata 100 104 108 110 111 4 4 2 1 11

Lucknow 100 100 99 100 101 0 -1 1 1 1

Ludhiana 100 100 100 101 101 0 0 1 0 1

Meerut 100 100 99 98 97 0 -1 -1 -1 -3

Mira Bhayander 100 102 103 105 107 2 1 2 2 7

Mumbai 100 101 102 103 104 1 1 1 1 4

Nagpur 100 102 104 108 110 2 2 4 2 10

Nashik 100 100 101 102 103 0 1 1 1 3

Navi Mumbai 100 101 101 103 106 1 0 2 3 6

New Town Kolkata 100 99 98 98 98 -1 -1 0 0 -2

Noida 100 102 103 101 99 2 1 -2 -2 -1

Panvel 100 101 101 101 101 1 0 0 0 1

Patna 99 99 100 104 109 0 1 4 5 10

Pimpri Chinchwad 100 100 100 100 99 0 0 0 -1 -1

Pune 100 101 101 102 102 1 0 1 0 2

Raipur 100 99 99 98 98 -1 0 -1 0 -2

Rajkot 100 101 102 102 102 1 1 0 0 2

Ranchi 100 101 101 100 99 1 0 -1 -1 -1

Surat 100 100 100 101 102 0 0 1 1 2

Thane 100 101 102 102 103 1 1 0 1 3

Thiruvananthapuram 99 98 97 96 96 -1 -1 -1 0 -3

Vadodara 100 99 98 99 103 -1 -1 1 4 3

Vasai Virar 100 101 101 102 103 1 0 1 1 3

Vijayawada 100 101 103 102 100 1 2 -1 -2 0

Vizag 100 101 103 105 106 1 2 2 1 6

Four Quarter Moving Average Values

(% change) (% change) (% change) (% change)

112


339

Appendix XVIII

NHB’s Share Capital, Reserves and Profitability

Share Capital & Reserves (? in crore)

Profit Carried to Balance Sheet (? in crore)

340

APPENDICES

Appendix XIX

NHB’s Loans & Advances and Gross NPAs

Ou

tsta

nd

ing

Lo

ans

& A

dv

ance

s- A

mo

un

t

in?

cro

re)

Gro

ss N

PA

S-A

mo

un

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in?

cro

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112


341

Appendix XX

NHB’s Cumulative Refinance Disbursements to PLIs

Am

ou

nt

in

? cr

ore

342

APPENDICES

Appendix XXI

NHB’s Refinance Outstanding

Appendix XXII

(Am

ou

nt

in

? cr

ore

)(A

mo

un

t

in?

cro

re)

112


343

Appendix XXIII

HFC’s Performance

Paid-up Capital (on left axis)

NOF (on left axis)

Outstanding Housing Loans (on right axis)

344

APPENDICES

NHB Inside Hindi

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