ANNUAL REPORT 2019-2020 60dr¨ dm{f©H [anm}Q 2019-2020

60THANNUAL REPORT

2019-2020

dm{f©H [anm}Q2019-2020

60dr¨

NATIONAL COOPERATIVE AGRICULTURE & RURAL

DEVELOPMENT BANKS' FEDERATION LTD.

Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h… ¥…EÚ…∫… §…ÈEÚ®…Ω˛…∫…ΔP… ®…™……« n˘i…Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h… ¥…EÚ…∫… §…ÈEÚ®…Ω˛…∫…ΔP… ®…™……« n˘i… §…ÈC∫…

BOARD OF MANAGEMENT(As on September 2020)

izcU/ku e.My

Chairman

Vice Chairpersons

Managing Director

Directors

Shri K. Sivadasan Nair

Shri K Shadakshari

Shri Bijay Kumar Singh

Shri K. Ravinder Rao

Shri Marchynna Syiem

Shri K.K. Ravindran

Shri Parbatbhai Patel,

Dr. Bijender Singh

Shri R. Parimel Azhagan

Shri Moinul Hassan,

Shri Balwinder Singh

Shri Arvind Kumar Singh

Shri Jitendra Prasad

Shri V.M. Chaudhari

Shri Naresh Goyal

Shri Vivek Chauhan,

Shri Mohammad Aslam Bhat

Shri Pramod Reang,

Director, Kerala SCARDB

Vice Chairman, Karnataka SCARDB

Vice Chairman, Multi SCLDB (Bihar-Jharkhand)

Vice Chairman, Telangana SCAB

Vice Chairman, Meghalaya CAB

MP(Co-opted)

President, Delhi SCB

Chairman, Tamil Nadu CSARDB

Ex-MPSpecial Officer, West-Bengal SCARDB

Director, Punjab SCADB

MD, Uttar Pradesh SGVB

MD, Rajasthan RSBVB

GM, Gujarat SCARDB

MD, Haryana SCARDB

(HPAS)MD, HP SCARDB

MD, Jammu & Kashmir SCARDB

MLAPresident, Tripura CARDB

v/;{k

mik/;{k

izcU/k funs'kd

funs'kd

Jh ds- f”konklu uk;j

Jh ds- 'knk{kjh

Jh fct; dqekj flag

Jh ds- jfoUnj jko

Jh ejfpUuk fl;se

Jh ds-ds- jfoUnzu

Jh ijcrHkkbZ iVsy]

Mk- fctsUnz flag

Jh vkj- ifjey tkxu

Jh eksbuqy glu]

Jh cyfoUnj flag

Jh vjfoUn dqekj flag

Jh ftrsUnz izlkn

Jh oh-,e- pkS/kjh

Jh ujs'k xks;y

Jh foosd pkSgku

Jh eksgEen vlye HkV~V

Jh eksn fj aax

funs'kd] dsjy ,llh,vkjMh cSad

mik/;{k] dukZVd ,llh,vkjMh cSad

mik/;{k] cgqmn~ns'kh; ,llh,yMhch ¼fcgkj&>kj[k.M½

mik/;{k] rsyaxkuk ,llh,ch

mik/;{k] es?kky; lh,ch

lkaln¼Lkg;ksftr½

v/;{k] fnYyh ,llhch

v/;{k] rfeyukMq lh,l,vkjMhch

HkwriwoZ lkalnfo'ks"k vf/kdkjh] if'pe caxky ,llh,vkjMhch

funs'kd] iatkc ,llh,Mhch

izcU/k funs'kd] mÙkj izns'k ,lthohch

izcU/k jktLFkku vkj,lchohch

egk izcU/kd] xqtjkr ,llh,vkjMhch

izcU/k gfj;k.kk ,llh,vkjMhch

izcU/k fgekapy izns'k ,llh,vkjMhch

izcU/k tEew ,.M d'ehj ,llh,vkjMhch

fof=iqjk lh,vkjMhch

v

iz ;k

funs'kd]

funs'kd]

,pih,,lfuns'kd]

funs'kd]

v/;{k]

( )

] /kk;d

v/;{k

mik/;{k

izcU/k funs'kd

funs'kd

Jh ds- f”konklu uk;j

Jh ds- 'knk{kjh

Jh fct; dqekj flag

Jh ds- jfoUnj jko

Jh ejfpUuk fl;se

Jh ds-ds- jfoUnzu

Jh ijcrHkkbZ iVsy]

Mk- fctsUnz flag

Jh vkj- ifjey tkxu

Jh eksbuqy glu]

Jh cyfoUnj flag

Jh vjfoUn dqekj flag

Jh ftrsUnz izlkn

Jh oh-,e- pkS/kjh

Jh ujs'k xks;y

Jh foosd pkSgku

Jh eksgEen vlye HkV~V

Jh eksn fj aax

v

iz ;k

SIXTIETH

ANNUAL REPORT

2019-20

NATIONAL CO-OPERATIVE AGRICULTURE AND RURALDEVELOPMENT BANKS' FEDERATION LIMITED701, A-wing, BSEL Tech Park, Plot No. 39, Sector 30 A, Opp. Railway Station

Vashi, Navi Mumbai 400 703 (Maharashtra)Tel. (022) 27814 114 / 226 / 426 Fax : (022) 2781 4225

E-mail : [email protected] Website : www.nafcard.org

NATIONAL CO-OPERATIVE AGRICULTURE &RURAL DEVELOPMENT BANKS' FEDERATION LTD.

ANNUAL GENERAL MEETING OF THE FEDERATION

NOTICE

60thAnnual Report2019-20

Notice is hereby given, that the Annual General Meeting of the National Co-operative Agriculture and

Rural Development Banks’ Federation Ltd., for the year 2019-20 will be held at on

to transact the following business.

1. To confirm the proceedings of the Annual General Meeting of the Federation held on 10 June

2019 in Mumbai.

2. Consideration ofAudited Statement ofAccounts for the year 2019-20.

3. Disposal of surplus for the year 2019-20.

4. Consideration of theAudit Report for the year ended 31.03.2020.

5. Consideration ofAudit Compliance Report for 2019-20.

6. Consideration ofAnnual Report for the year 2019-20

7. Appointment ofAuditors for the year 2020-21 and fixingAudit Fees.

8. Consideration ofAnnual Budget for the year 2021-22.

In view of inability of delegates who are located at different parts of the country to attend a physical

meeting due to prevailing situation arising out of Covid19 pandemic, the meeting will be held in virtual

mode.Password and related information for joining the meeting shall be informed in due course.

Hard copies of agenda notes and connected documents shall be circulated in advance to facilitate

fruitful deliberations.

In accordance with the provisions of Multi State Cooperative Societies Act, 2002 and the Byelaws of the

Federation,

Accordingly,

member banks are advised to inform the Federation the name of their representative to the General

Body along with the resolution of the Board at least 10 days before the General Body Meeting.

11.00 AM

26 October 2020,

the General Body shall consist of one representative of each member bank of the

Federation who shall be either Chairman/President or the Chief Executive or a member of the Board of

the member bank nominated by the Board of Directors of the respective Bank by a resolution, or the

Administrator, by whatever name called, of a member bank where there is no Board.

Place :Date :

Navi MumbaiSeptember, 202030

th

By Order of the Board of Management

(K.K. Ravindran)Managing Director

Sd/-

Shri K. ShadakshariVice Chairman

Shri K. Ravinder RaoVice Chairman

Shri Bijay Kumar SinghVice Chairman

BOARD OF MANAGEMENT

OFFICE BEARERS(As of September 2020)


Shri Marchynna SyiemVice Chairman

Shri K. Sivadasan NairChairman

Shri K. K. RavindranManaging Director

BOARD OF MANAGEMENT(As of September 2020)


Shri K. Sivadasan NairChairman, NAFCARD

Shri Bijay Kumar Singh(Chairman, Multi SCLDB, Bihar-Jharkhand)

Vice Chairman

Shri Jitendra PrasadManaging DirectorRajasthan RSBVB

Shri Marchynna Syiem(Chairman - Meghalaya CAB)

Vice Chairman

Shri K. Ravinder Rao(President - Telangana SCAB)

Vice Chairman

Shri Arvind Kumar SinghManaging Director

Uttar Pradesh SGVB

Dr. Bijender SinghPresident, Delhi SCB

Shri Moinul Hassan,Ex-MP, Special Officer,

WB SCARDB

Shri Balwinder SinghDirector - Punjab SCARDB

Shri R. Parimel AzhaganChairman,

Tamil Nadu CSARDB

Shri K. Shadakshari(President - Karnataka SCARDB)

Vice Chairman

Shri Parbat Bhai Patel, MP(Co-opted)

Shri V.M. ChaudhariGeneral ManagerGujarat SCARDB

Shri Naresh GoyalManaging DirectorHaryana SCARDB

Shri K. K. RavindranManaging Director

Shri Pramod Reang, MLAPresident, Tripura CARDB

Shri Vivek Chauhan (HPAS)Managing Director

HP SCARDB

Shri Mohammad Aslam BhatManaging Director

Jammu & Kashmir SCARDB

MEMBER BANKSChairmen & Chief Executives

(As of September 2020)

Jammu & KashmirState Co-operative Agriculture &

Rural Development Bank Ltd.

Shri Mohammad Aslam BhatManaging Director

KarnatakaState Co-operative Agriculture &


Shri K. Shadakshari, Ex-MLAPresident

Dr. K.C. Yathish Kumar, (KCS)Managing Director

KeralaState Co-operative Agricultural &


Shri Soloman AlexPresident

Shri V. Ratheesan, (IAS)Managing Director

MeghalayaCo-operative Apex Bank Ltd.

Shri Marchynna SyiemChairman

Shri O.E.J. NongbriManaging Director

Shri Naresh GoyalManaging Director

HaryanaState Co-operative Agriculture &


OdishaSate Co-operative Agricultural &


Shri Jogendra SwainPresident

Shri Krushna C. S. DasManaging Director

Himachal PradeshState Co-operative Agriculture &


Smt. Mamta SinghChairman

Multi State Co-operative LandDevelopment Bank Ltd.

(Bihar - Jharkhand)

Shri Ajay Kumar SinghManaging Director

Shri V.M. ChaudhariGeneral Manager

Gujarat State Co-operativeAgriculture & Rural

Development Bank Ltd.

Shri Chetan N.ParmarCustodian

PunjabState Co-operative Agricultural


Shri Kamaldeep SinghChairman

Shri Charandev Singh MaanManaging Director

PondicherryCo-operative Central Land


AdministratorSmt. V. SarojiniShri A. Irysappan

Managing Director

Shri Vivek Chauhan (HPAS)Managing Director


DelhiState Co-operative Bank Ltd.

Dr. Bijender SinghPresident

Smt. Anita RawatManaging Director

Smt. Sashi BalaChairman

MEMBER BANKS(As of September 2020)

Shri Apurba Krishna ChakrabortyGeneral Manager

RajasthanRajya Sahakari Bhoomi

Vikas Bank Ltd.

Shri G.L. SwamiAdministrator

Shri Jitendra PrasadManaging Director

TelanganaState Co-operative Apex Bank Ltd.

Shri Konduru Ravinder RaoPresident

Dr. Nethi MuralidharManaging Director

Chairmen & Chief Executives

AssamState Co-operative Agriculture &


Uttar PradeshSahakari Gram Vikas Bank Ltd.

Shri Santraj YadavChairman

Shri Arvind Kumar SinghManaging Director

Tamil NaduCo-operative State Agriculture &


West BengalState Co-operative Agriculture &



ChairmanShri R. Parimel Azhagan Smt. R. Brindha

Managing Director

Shri Amlan BhattacharyaManaging Director

Shri Moinul Hassan, Ex-MPSpecial Officer

Shri Ghana PeguManaging DirectorChairman

Shri A.B. Das

Shri Pramod Reang, MLAPresident, Tripura CARDB

TripuraCo-operative Agriculture &


- 1 -

Economic survey 2019-20 estimated a GDP growth

rate of about 5% for the year 2019-20 compared to

6.8% in 2018-19 which is projected to grow in the

range of 6% to 6.5% in 2020-21. Deceleration in the

growth rate was attributed to declining consumption

and investments. The survey also noted that 2019

was a difficult year globally, with world output

growing at its lowest pace of 2.9% since the global

financial crisis in 2009. The weak global environment

impacted Indian economy as well. Following are the

major highlights of economic survey 2019-20 based

on the performance of economy during April 2019 –

December 2019 (first three quarters of financial year

2019-20).

The Wholesale Price Index (WPI) based inflation

decreased from 4.3% in 2018-19 to 1.5% in 2019-

20.

Current account deficit decreased from 2.1% of

GDP to 1.5%.

Fiscal deficit jumped the target by 20%.

Gross fixed capital formation in agriculture

decreased from 17.7% of GVA in 2013-14 to

15.2% of GrossValueAdded (GVA) in 2017-18.

Volatility in agriculture growth continues from

-0.2% in 2014-15 to 6.3% in 2016-17 and then

declined to 2.8% in 2019-20.

The contribution of agriculture to GVA decreased

from 18.2% in 2014-15 to 16.5% in 2019-20.

Access to credit, insurance coverage and

investment in agriculture continue to be major

issues to be addressed in doubling farmer’s

income.

Industrial sector growth declined from 2.5% in

2019-20 compared to 6.9% in 2018-19.

Share of industrial sector in GA stands at 29.6%.

Services sector contributes 55.3% of GVA in

2019-20. The sector registered a growth rate of

6.9% in 2019-20 compared to 7.5% in 2018-19.

B a n k i n g s e c t o r c o n t i n u e s t o b e

disproportionately under developed given the

size of economy. India has only one bank in the

global top 100. Public sector banks account for

70% of the market share but are inefficient in

various performance parameters as compared

to private banks.

Government plans aggressive disinvestment of

public sector enterprises with the objective of

making them more efficient and profitable.

According to IMF estimates, the global economy is

moving to the worst recession since great

depression due to Covid 19 pandemic which

disrupted economic activities world over. The loss of

global GDP in 2020-21 is estimated at 9 Trillion US$

which is about 10% of global GDP in 2019. India’s

GDP growth estimated earlier at 5% for 2019-20 is

projected to be lower by at least 1 to 2% due to

disruptions started in March 2020. While global

economies are heading to the zone of negative

growth in the range of 5 - 10% in 2020 India is

projected to be among the handful of countries still

maintaining positive growth though at a nominal rate

of below 2%. IMF projects a ‘V’ shape recovery of

about 9% growth in global GDP during 2021 with an

expected growth rate of Indian economy at 7.4% in

2021-22. The actual impact of Covid 19 slow down

on various sectors in the economy and also how long

the slowdown will continue are yet to be known.

Covid 19 impact

�

�

�

�

�

�

�

�

�

�

�

�


ECONOMIC SCENE

Agriculture is a key sector in terms of its contribution

to both employment and GDP. Agriculture is the

primary source of livelihood for about 48% of

population. Improved access to inputs such as

fertilizers and seeds, as well as better irrigation and

credit contributed to a higher average annual growth

rate in recent years. The average annual growth rate

remained at around 2.88% during 2014-15 to 2018-19

though with high volatility in different years.

During 2018-19 crop year, food grain production was

estimated at 283.37 million tons and projected at

291.1 million tons in 2019-20. Milk production was

estimated at 176.3 million tons during FY18, while

meat production was 7.4 million tons. India is the

second largest fruit producer in the world with

horticulture production touching a record high of

313.9 million metric tons (MMT) in 2018-19.

The Sector underwent significant diversification from

grains towards pulses, fruits vegetables and livestock

products largely driven by evolving demographic,

urbanization and demand patterns. India could also

achieve remarkable reduction in the proportion of

population that is undernourished from around 24%in

1990-91 to 14% in 2019-20.The country has also

emerged as a major exporter of several key

commodities, currently being the largest exporter of

rice globally and the second largest of cotton. Total

agricultural exports of India grew at compounded

annual rate of 16.45 per cent in 2019 over previous

year to reach US$ 38.54 billion. India is also the largest

producer, consumer and exporter of spices and spice

products.

However, India’s agriculture sector while employing

42% of country’s work force accounts only for around

14% of the economy.The share of Agriculture, Forestry

and Fisheries Sector in GVA (at 2011-12 prices) has

seen a steady decrease over the years from 15.4% in

2015-16 to 14.4% in 2018-19.Agricultural production is

also highly fluctuating year to year as around 55% of

India’s arable lands are rain fed where crop production

depends on the amount of rainfall during the monsoon

season.

Prevalence of very large number of small holder

farmers with declining average size of their holding,

decliningrate of gross capital formation in the sector,

low productivity, climate change, pressure on natural

resources such as water, under developed food

processing and retail sector, continuing impediments

in market resulting in big gap between prices paid by

the consumer and return realized by the farmer are

some of the other major challenges inAgriculture.

Agricultural policies in India are designed and

implemented by a complex system of institutions

consisting of Central and State governments, public

agencies such as RBI, NABARD etc. Constitutionally

agriculture is a state subject. But Central Government

plays an important role in policy formulation at

national level and funding state governments for

implementing such policies and programmes. Having

achieved the goal of food security the thrust has

changed to remunerative prices to producers and safe

guarding the interest of consumers in terms of quality

and affordability.

The development strategy for agriculture outlined in

Government of India’s Economic survey 2020 prioritise

small holder agriculture in order to promote

sustainable livelihood and poverty reduction by

achieving higher productivity and realizing better

returns. Farm productivity in turn depends on the use

of inputs like fertilizer, access to irrigation, technology,

crop intensity and choice crops at the farm. Efficiency

in the use of these resources is a major factor

determining productivity. Improving resource use

efficiency covers following aspects,

AGRICULTURE 2019-20

- 2 -


i) sustainable water use in agriculture by adopting

improved methods of irrigation and irrigation

technologies Water management initiatives like

watershed management, drip irrigation and water

user associations can play an important role in the

strengthening the agricultural sector. Considering the

scarcity of water, end users need to be aware of and

work towards conserving water. Farmers should be

encouraged and given incentives measures for using

water judiciously. Government agencies, too need to

be empowered to fix and enforce norms for water

usage in agriculture. Risk proofing farmer’s losses by

expanding the insurance net, effective claim

management, effective market interventions by

government agencies to avoid distress sale and

oversupply of agricultural commodities during the

peak season are other measures to stabilize prices and

income. The Government bodies, private players and

the growing agriculture start up community can

together transform the sector’s outlook.

ii) Economising use of Fertilizers and Pesticides :

Fertilizer cost is a major part of total cost of crop

production. Per Ha fertilizer consumption after

showing steady increase till 2011 started declining

after that. Statistics also show a declining trend of

fertilizer response ratio or impact of fertilizer on soil

fertility. This is attributed to lack of knowledge among

farmers about the right quantity, right mix and right

method of application as well as time of application of

fertilizers based on soil specific and crop specific

requirements. Optimal dose based on soil health

status, promotion of neem coated urea, promotion of

micro nutrients, promotion of organic fertilizers and

water soluble fertilizers are suggested to increase

fertilizer response ratio.

iii) Organic and natural farming for increasing

sustainability in agriculture. National Mission for

Sustainable Agriculture (NMSA) aims to make

agriculture more productive and sustainable by

promoting location specific integrated farming system

involving appropriate soil and moisture conservation

measures. Government launched Paramparagat Krishi

Vikas Yojaya (PKVY) and Rashtriya Krishi Vikas Yojana

(RKVY) to promote various organic farming models

such as Zero Budget National Farming (ZBNF). Main

aspects of ZBNF are eliminating chemical fertilizers

and pesticides and promotion of good agronomic

practices. It also aims to promote eco-friendly

agriculture for producing chemical free crops. States

like Karnataka, Himachal Pradesh and Andhra Pradesh

where ZBNF is gaining popularity witnessed sharp

decline in input costs and improvement in yields.

iv) Adopting appropriate technology for small holder

farming. Use of high end technology and farm

machinery are not economically feasible in small

holder farming. The thrust should be on promoting

environment friendly automated farm machinery and

tools suited for small scale operations and setting up

custom hiring centers for accessing high-tech

machinery by small and marginal farmers. Information

and communication technology, especially spread of

mobile phones with internet in rural areas has

improved access to information by small farmers on

prices and weather. ICT also helps to increase market

access and financial inclusion.

v) Extension Services. Agricultural extension plays a

key role in boosting agricultural productivity,

improving rural livelihoods and in adopting better

farming practices. Studies show that about 40% of

agricultural households access technical advise on

agriculture from various available sources.

Progressive farmers and media including newspapers,

T.V. and internet are the 3 most accessed sources.

Among households that adopted the advise, majority

found it beneficial which reflects significance of

extension services. Advise received from Agriculture

and Veterinary Departments are seen to have greater

acceptability and are more likely to be adopted.

vi) Agricultural Credit : Timely credit greatly impact

agricultural production. Though there has been

- 3 -


impressive growth in agricultural credit in the last 10

years, large number of farmers are still left out from the

formal credit system. Moreover, the Regional

Distribution of Agricultural Credit in India is highly

skewed. Distribution of agricultural credit is

disproportionately low in North-East, hilly and Eastern

States. The share of north eastern states is less than

1% of total agricultural credit disbursements by formal

credit system. Financial inclusion in north east and

eastern India is also relatively less as compared to

South and West, which warrants greater distribution of

agricultural credit disbursement to this region.

Allied sectors consisting of livestock, poultry, dairy and

fisheries are a major sub-sector of agriculture. India

has about 300 millions bovines, 65 million sheeps, 135

million goats and 10 million pigs. Livestock farming in

India is mostly done as a part of composite farming

system comprising of crop production and livestock

rearing which complement each other in terms of

input output relationship.

Animal husbandry and Dairying : Globally, India ranks

first in milk production accounting for 20% of world

production. Milk production increased from 55.6

million tonnes in 1991-92 to 176.3 Million tonnes in

2017-18, at an average annual growth rate of 4.5%.

India’s per capital milk availability is 375 grams which

however, varies widely from state to state with 71

grams per day in Assam to 1120 gram per day in

Punjab. Of the total milk produced in rural areas about

52% is marketable surplus. Of this, only less than 50%

is handled by organized sector including Dairy

Cooperatives.

Small Ruminant Sector : Sheep and goat are

collectively known as small ruminants. India has 16.1%

of world’s goat population and 6.4% of sheep

population. Of the total livestock population of 512.1

million, sheep and goat at 200 million account for 39%

of country’s total livestock population. Sheep and goat

rearing is an important source of income for resource

poor families and supplementary source of income for

farmers in general during lean seasons. Small

ruminants have higher survival rate under drought

conditions as they require less water and survive on

available shrubs and trees in adverse environment in

low fertility lands where most of the crops and other

animal do not survive.

Fishery Sector : Fisheries is a fast growing sector in

India, providing nutrition and food security to a large

population. The sector provides income and

employment to more than 14.5 million people. India is

the second largest fish producer in the world with total

production of 13.7 million metric tons in 2018-19 of

which 65% was from inland sector. Almost 50% of

inland production is from culture fisheries. The sector

accounts for 5.23% of total agricultural GDP. Fish and

fish products exports were valued at 47620 crores in

2018-19. Realising the high potential of fisheries, Govt

has created a separate Department for Fisheries in

February 2019 and merged all schemes in fishery

sector in an umbrella scheme of ‘Blue Revolution’.

Government also created Aquaculture Infrastructure

Development Fund (AIDF) starting with an allocation of

7522 crores for fisheries development. Thrust is also

given to integrate Sustainable Development Goals in

the development of Fisheries to avoid over

exploitation/depletion of marine resources while

providing incomes and livelihoods for the poor.

India has set the ambitious goal of doubling farm

incomes by 2022. The agriculture sector in India is

expected to generate better momentum in the next

few years due to increased investments in the sector.

Increasing production through enhanced crop

productivity, cropping intensity and livestock

productivity, lowering cost of production by increased

resource use efficiency, diversification towards high

value crops, market reforms and MSP based on total

cost of production and minimum surplus required, for

better price realization by farmers and substantially

reducing people dependent on agriculture by shifting

them to non farm occupations are the important

strategies adopted for doubling farmers income. FPOs

`

`

- 4 -


offer tremendous potential to maximize incomes of

small holder farmers by involving them deeper in the

value chain. The FPO structure is currently in need of

support services to enable them to secure business

acumen and market linkages. Other key issues such

as better insurance terms, quality assessment

infrastructure, precision agriculture solutions for

better crop management, access to finance, etc.

needs to be addressed for the success of the FPO’s.

Climate change is a major challenge for agriculture.

There should be an effective climate risk adaptation

and mitigation strategy at policy level and farm level

by developing drought tolerant verities of crops,

effective water management and innovations in

farming practices to adapt to minimize the impact of

rising temperatures. Solutions for early warning

system can play a vital role in estimating and

minimizing the risk due to erratic climate change

events.

Union Budget 2020-21 made an allocation of 2.83

lakh crore for agriculture and rural development, of

which Agriculture, Irrigation and Allied activities

accounted for 1.60 lakh crore and Rural

Development and Panchayati Raj 1.23 lakh crore.

• The Budget proposes to continue PM – KISAN,

the income support scheme to farmers under

which 6000 is paid to eligible farmer families in

three quarterly instalments of 2000 each.

• Encouraging State Governments to adopt Model

Agricultural Land Lease Act of 2016, APMC Act

2017 and Contract Farming Act 2018 to

strengthen agricultural marketing.

• Inorder to promote Solar Energy in agriculture 20

lakh farmers being assisted to set up stand-

alone solar pumps for irrigation and 15 lakh

farmers to be assisted to solarise their grid

connected irrigation pump sets.

• KrishiUdaan Scheme by Ministry of Civil Aviation

to facilitate farmers to access domestic as well

as international markets for their perishable

produce like fruits, vegetables, flowers etc.

• Mapping and geo-tagging of agricultural

warehousing and cold storages which has an

estimated capacity of 162 million MT through

NABARD.

• Strengthening Village Storage Facilities through

SHGs with the objective of reducing

transportation cost and food losses.

• Setting up Kisan Rail through PPP Model for

quick transportation of perishables including

milk,meat and fish.

• Milk processing capacity to be doubled from

53.5 million tonnes to 108 million tonnes by

2025.

• Increasing fish production to 200 lakh tonne by

2022-23. Involving youth in fishery extension

through 3477 SagarMitras and 500 Fish Farmer

Producing Organisations with the objective of

raising fishery exports to one lakh crore by 2024-

25.

• To encourage farmers to use all types of

fertilizers to change the incentive regime for

chemical fertilizers.

• PM Fasal Bima Yojana to be extended to 6.11

crore families.

• Focus on micro irrigation through Krishi Sinchai

Yojana to be continued.

• One Product One District Programme for better

marketing and exports of Horticultural produce.

• Integrated farming system in rain fed areas shall

be expanded with focus on multi-tier cropping,

bee keeping, Zero Budget Natural Farming and

strengthening online national organic products

market.

Agriculture in Union Budget 2020-21

`

`

`

`

`

- 5 -


- 6 -


Historically, farmers in India are resource poor who

depend heavily on borrowings to facilitate production

and smoothening of consumption pattern. With

customary uncertainties of farming under rainfed

conditions increasing indebtedness of farmers at

exploitative interest rates has been a continuous

characteristics of Indian agriculture. Institutional

credit was virtually absent till the end of 19th Century

though farmers occasionally were given loans by the

Govt, especially during drought years. The idea of

forming Cooperative Societies to give loans to farmers

came only in the beginning of 20th Century. This

thinking finally resulted in the enactment of

Cooperative Societies Act in 1904. Cooperatives

gradually became an important source of agriculture

credit throughout the country. Rural credit also

received continuous attention of the Govt in the early

part of 20th Century. The original Act of 1904 was

followed by a new CooperativeAct in 1912 to give legal

recognition to Cooperative Credit Societies.

Establishment of Provincial Cooperative Banks,

resulting in the creation of 3-tier Cooperative credit

structure was another important development during

this period. The operations of credit cooperatives

however, confined to short term loans. At the same

time, farmers were in need of long term loans to

redeem their land after liquidating prior debts, which

claimed a major portion of crops they produced by

way of interest on such debts. Land Mortgage Banks

were established in early 1920s to meet such long

term credit needs of farmers. The establishment of

first Land Mortgage Bank in Punjab in 1920 was

followed by formation of such banks at provincial and

primary levels in the provinces. Inspite of all these

efforts by 1951, only 3.3% of farmers had accessed

credit from Cooperatives and only less than 1% of

farmers managed to get loans from Commercial

Banks. All India Rural Credit Survey Committee in 1954

observed that agricultural credit fell short of right

quantity,was not of the right type and did not serve the

right purpose and often failed to go to the right people.

Committee observed several deficiencies in the

performance of cooperatives in meeting the credit

needs of farmers, but found that cooperatives had a

vital role in channelizing credit to the farmers and

summed up that ‘Cooperation has failed, but

Cooperation must succeed’. Agricultural Refinance

Corporation was established in 1963 to make long

term funds available to Cooperative Rural Credit

Structure, particularly Land Development Banks. All

India Rural Credit Review Committee was set up in

1966 to review the availability of rural credit and to

recommend measures to improve flow of agricultural

credit. The Committee recommended that

Commercial Banks should play a complementary role

along with cooperatives in extending rural credit.

Bank nationalisation and introduction of the concept

of priority sector lending in 1969 acted as a catalyst to

bring commercial banks in the Rural Credit System in a

big way. Lead Bank Scheme was also introduced in the

same year for decentralized planning under which

each district was placed with one of the commercial

banks. All these initiatives however, failed to bring

desirable improvement in credit flow to agriculture

mainly because commercial banks were not tuned to

the needs of small and marginal farmers, while

cooperatives lacked resources to meet the growing

demand for credit. It was on the above background

that Regional Rural banks (RRBs) were set up in 1975

based on the recommendations of NarsimhanWorking

Group. RRBs were conceived as a separate banking

structure, combining the co-operative advantages of

local feel and familiarity of rural problems and the

professionalism and resource base of commercial

banks. Thus, towards the end of 70s a Multi-Agency

System comprising of Cooperatives, Commercial

banks and RRBs was emerged for rural credit.

Subsequently, following recommendations of the

Committee to Review Arrangements for Institutional

Credit for Agriculture and Rural Development, National

RURAL CREDIT SCENARIO

- 7 -


Bank for Agriculture & Rural Development (NABARD)

was set up in 1982, which took over the entire

operations of ARDC and the refinancing functions of

RBI with regard to agriculture and rural credit.

NABARD plays a central role in providing financial

assistance and facilitating institutional development in

the area of rural credit. 1990s witnessed initiation of

financial sector reforms based on the report of

Committee on the financial system (Chairman Shri M.

Narsimhan 1991). Several committees on Rural

Financial System were also constituted during this

period including High level Committee on Agricultural

Credit through commercial Banks (R.V. Gupta, 1998),

Task Force Study on functions of Cooperative credit

system and to suggest measures for strengthening

(Jagdish Kapoor, 1999), Expert Committee on Rural

Credit (V.S.Vyas,2001),VaidyanathanTask Force I & II in

early 2000s etc. The financial sector reforms in India

since 1990s were carried out mainly on the basis of the

recommendations of the above Committees.

However, i t i s observed that whi le the

recommendations relating to Commercial banks and

RRBs were mostly implemented those relating to

strengthening of Rural Cooperative Credit Structure

were not given required attention. Vaidyanathan Task

Force Report on STCCS was not fully implemented

whereas Vaidyanathan Task Force Report on LTCCS

was ignored and not implemented at all.

There has been phenomenal growth in the credit flow

to agriculture in the last 15 years as may be seen from

the table below showing yearly targets and

achievements for agricultural credit from 2005-06 to

2020-21.

Note:Figures in parentheses indicate percentage change over previous year

Source:Budget document & Economic Surveys of Gol (2005-06 to 2018-19) & NABARDAnnual Reports

*Fig.17:Agriculture Credit,Pp.157 (Economic Survey 2016-17,Gol).

Out of 12,54,762 crores disbursed during 2018-19, as

much as 6,26,087.53 crores (provisional) were

disbursed to small and marginal farmers forming

49.90% of the total.

Small and marginal farmers, who operate 85% of

holdings and account for more than half of the total

area cultivated are not getting proportionate share of

institutional credit. Farmers require credit for short

`

`

Year Target Achievement ( Crs)`

2005-06 1,41,500 (34.76%) 1,80,486 (44.03%)

2006-07 1,75,000 (23.67%) 2,29,401 (27.10%)

2007-08 2,25,000 (28.57%) 2,50,000 (8.98%)

2008-09 2,80,000 (24.44%) 3,02,908 (20.76%)

2009-10 3,25,000 (16.07%) 3,84,541 (26.94%)

2010-11 3,75,000 (15.38%) 4,68,291 (21.79%)

2011-12 4,75,000 (26.66%) 5,11,029 (9.13%)

2012-13 5,75,000 (21.05%) 6,07,375 (18.85%)

2013-14 7,00,000 (21.74%) 7,30,765 (20.31%)

2014-15 8,00,000 (14.28%) 8,45,328 (15.68%)

2015-16 8,50,000 (6.25%) 9,15,509 (8.30%)

2016-17 9,00,000 (5.88%) 10,65,755 (18.42%)*

2017-18 10,00,000 (11.11%) 11,62,617 (16.26%)

2018-19 11,00,000 (10%) 12,54,762 (14.06%)*

2019-2020 12,00,000 -

2020-2021 15,00,00 -

- 8 -


term uses such as purchasing inputs, weeding,

harvesting, sorting and transporting, or long term uses

such as investing in agricultural machinery and

equipment, or irrigation. Small and marginal farmers

reply mostly informal sources of credit, at higher rates

of interests.

Over the past few decades, especially since 1990-91,

the share of long term credit has been constantly

decreasing implying that farmers are taking loans for

recurring expenditures rather than to fund long term

investments. Although the flow of production credit

has been on the increase year after year, it has not

resulted in proportionate increase in agricultural

production, due to falling share of investment credit

and slowdown in the rate of capital formation and

productivity enhancement.

It is estimated that 75% of the total credit to agriculture

has been contributed by Commercial Banks and

balance by Cooperatives and RRBs with a share of 15%

and 10% respectively. The reported growth in credit,

however, is hardly reflected in the field. Nearly half of

India’s 1540 million farming households are excluded

from the formal credit system. Ordinary farmers still

find it difficult to access credit from banking system. In

spite of domination of Commercial Banks in the

statistics of agricultural lending, cooperatives

continue to be the source of credit for 60% of

borrowing farmers. RRBs have significantly increased

their share in agriculture lending accounting for 10% of

the total credit and about 20% of total borrowers. The

fact that Cooperatives and RRBs together cover nearly

80% of borrowing farm households leaves Commercial

banks to finance just 20% of borrowing farmers.

Evidently, the direct loans of Commercial Banks to

farmers should be much less than what is actually

reported. This over counting of agricultural lending by

Commercial Banks has caused to vitiate Govt policies

in rural credit and drastically diminished the

importance of cooperatives in Govt policies and

programmes to augment credit flow to the sector.

Agricultural yield (in terms of average per hectare

production) is found to be much lower in the case of

most crops, as compared to other top producing

countries such as China, Brazil and the United States.

Key issues affecting agricultural productivity include

the decreasing size of agricultural land holdings,

continued dependence on the monsoon due to

inadequate access to irrigation, imbalance in theuse of

soil nutrients resulting in loss of fertility of soil, uneven

access to modern technology in different parts of the

country, lack of access to formal agricultural credit

issues in market blocking.

Profitability of agriculture vis-a-vis other sectors

influences private investment in agriculture and

relative profitability of different crops determines the

inter-crop allocation of land and other resources.

Public investment in agricultural infrastructure is an

important factor deciding profitability in agriculture.

However, public investments in agriculture has been

declining sharply in the last few decades. Reversal of

the declining trend in public investment in agricultural

infrastructure is necessary to resolve the present

crisis in agriculture and farmer’s distress.

Shifting a large chunk of workforce from agriculture by

creating productive work opportunities in the non-

farm sector is also required to check the disturbing

trend of increasing income disparities between

agricultural and non-agricultural occupations.

The most important pre-requisite in the agricultural

sector is the need to encourage farmers to make long-

term investments. Inevitably, public support is

required not only through an increased flow of credit

and creation of infrastructural investments but also

through the development of agri-markets and

investment in agro-processing. The investment needs

may differ across countries /regions given their

diverse agro-climatic conditions, and the level of

agricultural development, and the crop and allied

activities being undertaken by them.

Credit acts as an enabling and critical input in the

production process. Studies reveal that loans from

institutional sources, viz., commercial banks, regional

rural banks and cooperatives, provide access to and

usage of fertilisers, seeds and other inputs, and are

also highly correlated with capital formation. Seen

from the demand side, this indicates that nearly 86% of

the farm investment in India is undertaken through

borrowed money from both institutional and non-

institutional sources. The existing institutional finance

- 9 -


mechanism takes care of more than 65% of the total

production credit requirements and the balance goes

for investment credit.The short term loans provided by

all banks largely support for production of crop and

lesser share goes towards investment in agriculture.

This has affected the capital formation in agriculture

which should have been increased substantially over

the years mainly because of farmers not getting

adequate returns for their investments made by

borrowing through institutional credit agencies.

The current estimates suggest that long-term credit is

not just declining but also that it constitutes less than a

quarter of total agricultural credit. The policy thrust,

therefore, has to be on incentivizing banks through

adequate budgetary support. Similarly, reviving public

sector investment is critical due to its multiplier effect

on the overall GCF in the sector.

In India the investment requirements have not been

estimated for agricultural growth at state level but only

made at national level. The Planning Commission

estimated that a 20.41% rate of investment was

required to achieve a growth target of 3.5–4.2%

during the Twelfth Five Year Plan (2012-17). This

investment rate, based on the incremental capital

output ratio (ICOR) of 5.32%, is to be met through the

public and private (farm household) sectors. Based on

the average ICORs from 2007-08 to 2011-12 and 2012-

13 to 2013-14 and the targeted 9.23% annual increase

in real farm income, the required rate of

investment on private account is at 6.62%. In case of

public investment (‘for’ agriculture) the targeted

investment rate is assessed at 6.92% per year. In

absolute terms, in order to enable the doubling of

farmers’ real income by generating higher farm

incomes, the private investment in India should

increase from 296 billion ( 29,559 crore) in 2015-16 to

cumulative 463 billion ( 46,299 crore) in 2022-23, at

2004-05 prices.

Studies undertaken for the earlier periods also

reported higher ICORs in agriculture, varying between

2.2 and 4%, which indicates that a one-rupee increase

in output per year requires an one-time investment of

2.2 to 4. The capital requirement would almost

double if public investment in infrastructure and

supportive investments are also taken into account.

With increased fragmented land holdings, it is quite

unlikely that marginal farmers would be willing to take

investment credit when the adequate return is not

assured by such investments. Thus, the risk and return

ratio on investment credit being quite high, there will

be hesitancy on the part of the small/marginal farmers

to borrow at a high cost where the return is going to be

far less. As indicated above unless the investment risk

return ratio becomes positive, farmers may not be

willing to take any risk for putting additional

investment by taking loans from institutional agencies.

The institutional credit delivery mechanism does not

have long term resources. The refinance facility from

NABARD is only by way of liquidity support to the

banks. Commercial Banks generally squeeze the

repayment period for their investment credit support

thereby compelling the farmers to repay their loans

even without any income. Hence, they are forced to

approach informal sources for their financial needs

which carry exorbitant rate of interest. Cooperative

banks and RRBs do not have adequate long term

resources to augment their share in investment credit.

ARDBs are the only source to support the investment

credit needs of their members sometimes even with

or without NABARD’s refinance support. If the share of

investment credit byARDBs need to be expanded, they

should be provided with liberalised funding from

NABARD or any other higher financing agencies as the

ARDBs are the only channel purposely created by the

policy makers for providing long term investment

credit support. It, therefore, calls for a relook on the

refinancing policy of NABARD which should play the

proactive role of supporting the ARDBs liberally

without any strings instead of adopting restricted

lending policies. In fact, NABARD has been first

recovering its refinance dues from ARDBs even when

they are not in a position to recover from the

borrowing members, since its inception. This policy of

NABARD needs to be relooked and it should adopt

later-end repayment of its refinance instalments by

` `

` `

` `

- 10 -

the ARDBs. Such an approach would give adequate

cushion to ARDBs in meeting unfavourable recovery

climate arising out of various socio-political reasons

and NABARD would also take part in risk sharing

approach.

The revamping of LTCCS is badly delayed affecting its

ability to meet the Long Term credit needs of farmers.

Govt. should implement the revival package for LTCCS

recommended by Vaidyanathan Task Force II without

further delay.

High interest rates payable by farmers for investment

credit is another issue that should be addressed on

priority. Central Govt. has taken steps for keeping

interest rate of crop loans at affordable rates.After the

interest subvention of 3% the maximum interest rate

on crop loans is 4% per annum.With additional interest

subvention by State Governments crop loans are now

available at zero interest rate in some states.

However, none of these measures to reduce the cost

of agriculture credit has been extended to loans given

for farm investments. NABARD’s refinance support to

banks for investment credit carries interest rates of

about 8.50% per annum, making the cost of loans at

ultimate borrower level in the range of 12-14% per

annum. The huge gap between interest rates of crop

loans and investment loans has become a major

disincentive for farm investments.

Govt. has set up Long Term Rural Credit Fund in

NABARD with annual contributions out of deficit in

commercial banks’ lending to agriculture. NABARD

has been using this Fund for giving investment credit

refinance at a lower rate for a maximum period upto 5

years. However, SCARDBs were getting only a small

share of LTRCF as their loans are mostly of longer term

than 5 years. Based on the recommendations of the

Working Group for Enhancing the Share of Investment

Credit by ARDBs and subsequent to the discussions

with the Chairman, NABARD on 06th March 2019,

NABARD has extended the period of refinance for long

term loans to 9 years partly with LTRCF assistance

upto 5 years and for the remaining period NABARD

would charge interest as applicable to its Normal

lendings. This relaxation would go a long way in

availing more refinance by providing necessary

cushioning for ARDBs to meet the resources crunch to

a certain extent.

Financing agriculture, especially under rain-fed

conditions, which accounts for 63% of the total area

under cultivation, involves high risk. At present, the

entire risk involved in farm financing is borne by

lending institutions resulting in high level of NPAs with

them. For large number of institutions in the

cooperative credit structure including ARDBs which

cater mainly to small and marginal farmers, the NPAs

are beyond tolerable level.

Implementation of DebtWaiver Scheme by Central and

State Govts, continued to vitiate the climate of loan

recovery. Govt. support to farmers for agriculture

insurance should be extended for insuring farm assets

also apart from crops. Govt. should also refrain from

actions that vitiated recovery climate and restrain

from interference in the recovery process ofARDBs.

Most part of the institutional credit goes to a few

developed states in the South and North-west regions

of India. Consequently, rural areas in Eastern and

North-eastern states with huge potential for

agricultural growth are not getting adequate credit.

Addressing the skewed distribution of credit between

various regions as well as between rural communities

within each region is another major challenge for rural

financial system.


Overview of Long-Term Cooperative Credit Structure as on 31 March 2020

At present the structure comprises of 16 SCARDBs of

which only 13 are fully functional with a network of

1722 PCARDBs/branches of SCARDBs at ground level.

These banks have a total membership of 1,02,44,345

rural households of which 56,55,969 have outstanding

loans. The Total Loans Outstanding and Borrowings

Outstanding of these banks as on 31.03.2020 were

20102.57 crores and 13437.20 crores respectively.

Fully functional SCARDBs have total deposits of

2129.21 crores as on 31.3.2020 as against 2113.92

crores as on 31.3.2019.Their total lending during 2019-

20 stood at 4214.40 crores as against 4242.50

crores during the previous year. Aggregate recoveries

were 38.59% (As on 31 March 2020) as against 36.37%

last year.

` `

` `

` `

- 11 -


Sr.

No.Particulars

During the year

2018-19 2019-20

1. No. of SCARDBs

i Fully Functional 13 13

ii Others 3 3

2. Network of outlets

i Branches of SCARDBs 660 660

ii PCARDBs and its branches 1,063 1,062

TOTAL 1,723 1,722

3. Membership of individuals

i Borrowing Members 55,53,215 56,55,969

ii Non-borrowing Members 46,51,291 45,88,376

TOTAL 1,02,04,506 1,02,44,345

4. Loans Outstanding 19,76,087.43 20,10,257.27

5. Loans Disbursed 4,24,250.14 4,21,439.89

6. Borrowings Outstanding 14,87,110.14 13,43,719.94

7. Deposit Outstanding 2,11,392.21 2,12,920.86

8. Loan Recovery Position

As on 2018-19 2019-20

i Demand 13,18,364.13 14,47,361.95

ii Recovery 4,79,428.14 5,58,488.85

iii Recovery % 36.37 38.59

9. Amount of Profit (As on 31st

March) 12,391.75 15,382.18

In Profit (Nos.) 8 8

10. Amount of Losses 24,435.10 18,591.17

In Loss (Nos.) 5 5

11. Staff Position

i SCARDB Level 4,779 4,576

ii PCARDB level 4,658 4,493

TOTAL 9,437 9,069

COOPERATIVE LONG TERM CREDIT STRUCTURE – OVERVIEW

- 12 -


Issues and Challenges in the Long Term

Cooperative Credit Structure (LTCCS)

The LTCCS is primarily designed as non-resource

based specialized term lending agency. The structure

consists of Agriculture and Rural Development Banks

at State and Primary levels. These institutions are not

given license to function as Banks coming under the

purview of Banking Regulations Act. Hence they are

not allowed to take deposits from public like other

Rural Financial Institutions (RFIs). As a result, they are

dependent heavily on borrowed funds for advancing

loans. Before Independence, Government was the

main source of funds for their operations. In 1961,

Agriculture Refinance Corporation (ARC) was

established to mobilize Long Term resources for the

operations of Land Development Banks (LDBs). In

1963, ARC was renamed as ARDC. Till formation of

NABARD in 1982, Agricultural Refinance and

Development Corporation (ARDC) and Agricultural

Credit Department (ACD) of RBI together provided

funds for the operations of LTCCS. In July 1982,

NABARD was formed by merging ARDC and ACD.

Since then, NABARD is the main source of funds for the

structure for carrying out its lending operations.

The refinance support of NABARD, however, has been

steadily declining since the beginning of 2000.This has

severely restricted the lending operations of SCARDBs.

Moreover, SCARDBs in some States which could not

access NABARD’s refinance due to non-availability of

Govt. guarantee or failure to meet the eligibility

conditions for refinance based on its Risk Rating norms

had to suspend lending operations for want of

resources. SCARDBs are bearing guarantee fee

ranging from 0.25% to 2%. Thus, effectively, the

margin available forARDBs is getting reduced affecting

their viability. In this context, the Working Group on

Enhancing the Share of ARDBs in Investment Credit

under the chairmanship of Shri Y.C. Nanda,

recommended NABARD to introduce a new additional

refinance product to extend refinance to SCARDBs on

the basis of their unencumbered quality assets and

other qualitative norms without govt guarantee or

collaterals.

Inability to meet Short Term production credit/working

capital needs of Long Term borrowers has been

another major deficiency in the working of ARDBs.

Because of restrictions in the Act, SCARDBs in general,

were unable to diversify lending to short term

purposes until recently. In recent years,ARDBs in most

of the States are also meeting short term credit needs

of long term borrowers out of funds mobilized as

deposits from members and short term borrowings

from NCDC and banking system. However, ARDBs still

are unable to advance crop loans at 7% interest p.a. as

crop loan interest subvention scheme of Government

of India is not extended toARDBs.

The financial performance of institutions in the

structure started declining since 90s due to heavy

overdues and losses in Govt sponsored schemes, long

regime of regulated interest rates without allowing

adequate margins to meet their transaction and risk

costs and implementation of debt waiver scheme in

1990 by Central Govt without fully reimbursing the

loans written off under the scheme. In fact, all rural

financial institutions including Commercial banks,

RRBs and Short Term Cooperative Credit Structure also

incurred heavy financial losses due to the above

reasons. While such losses of the Commercial banks,

RRBs and STCCS have been compensated by the

government through various revamping processes,

the losses of ARDBs continue to remain

uncompensated. Even though Task Force No.2 for

LTCCS headed by Prof. Vaidyanathan recommended a

revival package comprising of one time assistance by

Central and State Govts for recapitalisation ofARDBs in

2006, it has not been operationalised so far.

The undue delay in implementing the revival package

has considerably affected the ability of the structure to

meet the credit needs of its members. In spite of these

setbacks, the structure continues to be relevant and

needs to be strengthened to arrest the rapid fall in the

proportion of investment credit in the total flow of

farm credit. The revitalization of the structure involves

transformation of SCARDBs and PCARDBs into self-

reliant member driven organizations capable of

- 13 -


delivering financial services to the rural sector

effectively, in a competitive environment with focus on

capital formation in agriculture.

Deteriorating recovery climate is another major

challenge faced by ARDBs. Aggregate average loan

recovery at the ground level has been hovering around

50% in the last few years.Though loans are secured by

mortgage of land recovery of loan by selling

agricultural land is difficult in many States. Inability of

the structure to give production credit/working capital

loans along with investment credit results in full

benefits of investments not accruing to borrowers

who are not able to access short term loans from other

agencies. Further, ARDBs which have not introduced

short term loan products and saving products are

unable to maintain regular contacts with borrowers

which is necessary for high rate of repayment. Loan

waivers though may be done as an one time measure,

gives rise to expectations of further waivers in the

future leading to total break-down of agricultural

credit system which cannot function without recycling

of resources.

A significant event in the history of Long Term

Cooperative Credit Structure (LTCCS) in India has been

the establishment of the National Co-operative

Agriculture and Rural Development Banks’ Federation

Ltd (NCARDBF) in 1960. Since its inception, the

Federation has been playing an important role in the

growth of institutions in the sector. It has established

effective coordination and promoted understanding

among member banks and liaison with Central and

State Governments, NABARD and financing agencies

of SCARDBs.

Activities of the Federation also include organizing

Seminars and Workshops, undertaking research

studies and formulation of Plans and programmes

through its Planning, Research and Development Cell,

compilation and publishing of statistics of member

banks’ operations, sponsoring of study teams,

coordinating investments in debentures, undertaking

special training programmes, publicity work, providing

guidance and advice on issues relating to operations

and governance. The quarterly Land Bank Journal

published by the Federation since last 56 years has

gained considerable popularity. The Federation is also

assisting member banks in business development and

expansion by designing new products.

Lobbying with the Government for implementing

revival package comprising of recapitalisation and

reforms, guiding SCARDBs in self-driven reform

initiatives and guidance and support to member banks

in resource mobilization, recovery and NPA

management, business expansion and diversification

continued to be the thrust areas of Federation’s

activities during the year.

Demand for revival package has been the main focus

of Federation’s lobbying with Central Govt in the last

few years. Vaidyanathan Task Force recommended

revival package for LTCCS in 2006 and Government

announced its implementation in the Union Budget for

2008-09. Subsequently, a revival scheme was also

approved by Union Budget 2009 which,however,could

not be circulated due to Lok Sabha election of 2009

was notified soon after that. After elections, Ministry

of Finance appointed a Committee headed by Shri

Chaturvedi, then Additional Secretary (Finance) to

review the revival scheme in the light of

implementation of Agricultural Debt Waiver & Debt

Waiver Scheme of 2008. Chaturvedi Committee

submitted its report in February 2010 recommending

implementation of this revival scheme for long term

cooperative credit structure with certain minor

Lobbying

Revival package forARDBs

FEDERATION DURING 2019-20

modifications. However, no further action was taken

to implement this scheme thereafter. Federation has

been taking up this matter with various authorities in

the Government including Prime Minister and Finance

Minister from time to time. Federation has also

convened Meetings of Parliamentarians on this issue.

Federation has submitted fresh memorandum on this

issue to Hon’ble Prime Minister in the eve of this year’s

Union Budget pointing out the need to revive

institutions in the long term cooperative credit

structure to boost capital formation in agriculture and

to address the credit crisis faced by their member

farmers.

The delay in implementing the package aggravated

financial weakness of ARDBs and drastically reduced

their capacity to meet the credit requirements of

about 107 lakh farmers who by and large are unable to

access credit from other agencies since their land is

already mortgaged with ARDBs. Implementation of

the proposed revival package is the only solution to

address credit crisis faced by them. The structure

which is present in all major states with a network of

2600 outlets has the potential of expanding its annual

lending at least by 5 times in the short run from the

present level of about 5000 crs, if revived.

There is consensus among institutions in the LTCCS as

well as their stakeholders including State Govt and

NABARD that ARDBs should be converted as regular

banks to make them resource based institutions

capable of meeting the credit needs of their members

adequately and restoring its relevance in the rural

financial system. Converting ARDBs into full-fledged

banking institutions was one of the major

recommendations of Capoor Committee which

submitted its report in 1999. Based on the

recommendations of Capoor Committee, the RBI in

May 2002 constituted a Working Group to consider

norms for conversion of ARDBs into full-fledged banks.

However, after a few meetings the Working Group was

dissolved, before submitting its report with the

observation that, looking at their financial strength and

performance time did not come for ARDBs to become

full-fledged banks.

Later on, Vaidyanathan Task Force II in its report also

suggested that “if on date, or in the future any entity

within this structure fulfils the conditions necessary

for obtaining a banking licence, the banking regulator

may consider it on merit.” However, the banking

regulator has not prescribed the conditions necessary

for obtaining a banking licence byARDBs,so far.

Another issue in licensing ARDBs is its structural

pattern. As per the provisions of Banking Regulations

Act, only a state cooperative bank or a district central

cooperative bank or a primary cooperative bank is

eligible for banking licence. A state cooperative bank

and a district central cooperative bank are defined as

principal cooperative society for the state or district

respectively as notified by the State Govt. Since none

of the SCARDBs or PCARDBs are notified as principal

cooperative society for any state or district they are

not eligible for banking licence in the category of a

state cooperative bank or a district central cooperative

bank. However, under the extant provisions of BR Act,

ARDBs can still be licensed as Primary Cooperative

Banks. Unitary SCARDBs are qualified to be licensed

as Primary Cooperative Banks without any structural

change while there is consensus among federal

SCARDBs to adopt unitary structure if it becomes

necessary for getting banking licence.

In response to Federation’s representation on the

subject, RBI has recently informed that the suggestion

could not be considered favourably without assigning

any specific reasons. Federation continues to pursue

the proposal with GOI and RBI.

The interest subvention scheme for crop loans

implemented by Govt of India is presently not

extended to farmers who avail crop loans from ARDBs.

The Federation has been persistently taking up with

Ministry of Finance to address this issue by including

Restructuring ofARDBs into Banks

Crop loan interest subvention scheme

`

- 14 -


SCARDBs in the list of institutions through which the

crop loan interest subvention scheme is implemented.

Another option is to channelize the crop loan refinance

to SCARDBs through SCBs by providing a special

additional allocation in the limit for crop loan refinance

sanctioned to SCARDBs. NABARD Chairman in his

meeting with representatives of the Federation on 6th

March 2019 informed that such a proposal is under its

active consideration which, if implemented, will help

SCARDBs to give crop loans to their long term

borrowers at interest rates on par with other banks.

Core Group for Reform Initiatives constituted by

SCARDBs continue to have regular meetings in most of

the banks. CGRI has been concentrating on deepening

of self-driven reforms at the ground level. CGRI also

reviews the impact of reforms already initiated in the

core areas of new avenues of mobilising resources,

introduction of new products, identifying critical areas

and taking corrective actions to improve the rating of

SCARDBs, preparation of manuals on functional areas

with a view to evolve consistent policies and well

documented procedure specifying authority and

accountability at various levels as well as recovery and

NPA management.

The focus of CGRI meetings during 2018-19 was

preparation and implementation of special revival

plans by SCARDBs with thrust on resource

augmentation, business expansion, NPA management

and computerisation. During 2019-2020, the Managing

Director had attended the two CGRI meetings

convened by Gujarat and Rajasthan SCARDBs and

guided the banks.

The two Conferences of Principal Secretaries of

Cooperation and Registrars of Cooperative Societies

organised by the Federation in 2012 and 2014 made

several important recommendations for improving

legal and policy environment of ARDBs and improving

their working in general. Priority to SCARDBs in giving

govt guarantee along with simplifying the procedure

thereto and waiving guarantee fee or keeping such

fees at lower rate in case waiver not possible,waiver of

stamp duty and registration fee which is yet to be done

in some States, introducing the system of loan

documents being executed by the bank and sending

the same to sub registrar directly by the bank without

involving the borrower which also needs to be

introduced in a few more States, removing restrictions

on legal recovery measures with regard to wilful

defaulters, vesting sale powers with bank officials

which also has not yet been implemented in some

States, giving permission for accepting deposits by

ARDBs in a couple of States where it has not been done

so far, amendment in the ARDB/State Cooperative

Societies Act to enable ARDBs to meet short term

credit needs of members, doing away with separate

approval by the Govt for recruitment of staff as per the

approved staff pattern etc. were among the important

recommendations relating to State Govts made by the

above Conferences. The Federation is continuously

following up these recommendations with State Govts

concerned.

Absence of further financial support to supplement

investment credit is a major shortcoming in the

working of ARDBs.ARDBs generally give only long term

loans leaving the short term credit needs of their

members unattended and making them dependent on

informal sources for such credit at exorbitant interest

rates. Inadequate availability of short term credit also

leads to sub-optimum utilisation of long term assets

financed by ARDBs which affects borrowers’ income

and repaying capacity. Further, high cost of informal

credit reduces the capacity of members to repay loans

availed from the bank. Frequent contact of the

borrower with the bank is necessary for timely

repayment of loan is also not possible in the absence

of further credit support after issuing investment

credit.

Reform initiatives

Follow-up with State Governments for enhancing

policy support to SCARDBs

Credit Limit to meet Short term credit needs of

long term borrowers

Core Group for Reform Initiatives (CGRI)

- 15 -


Fixing supplementary credit limit which can be

operated like a revolving cash credit to borrowers of

long term loans will serve the twin purpose of meeting

short term credit needs and improving loan recovery

by increased borrower contact and reduced

dependence of borrowers on informal sources of

credit. Following are the salient aspects of the

scheme.

• To start with SCARDB needs to assess the

requirement of funds to finance the scheme and

arrange for mobilising required funds through

deposits, borrowings from NCDC, short term

credit structure,commercial banks etc.

• Depending on the availability of funds, credit

limits may be fixed as a certain percentage of

investment credit sanctioned to a member.

• In the case of fresh long term loans, credit limit

should be an essential additional component. In

the case of existing loans credit limit being

sanctioned in the case of non-overdue loans.

• The quantum of credit limit to be fixed on the

basis of requirement, repaying capacity, security

and availability of funds which can be used for the

purpose.

• Credit limit can be sanctioned on the basis of

residual market value of security given for long

term loan.

• Credit limit can be operated by the borrower like a

revolving cash credit subject to payment of

quarterly interest and repayment of outstanding

principal at the end of its tenure.

• Credit limit which is sanctioned for one year is

renewed in subsequent years subject to

fulfilment of terms and conditions including

timely payment of instalment in other loans.

• The interest on credit limit is being charged on the

basis of actual drawals on a quarterly basis.

• Interest rate on drawals from credit limit be fixed

based on cost of funds plus reasonable margin to

meet transaction and risk costs for both SCARDB

and PCARDBs.

The model Recovery Policy for member banks finalized

by the Board of the Federation recently, envisages

significant changes in the loan and recovery systems.

Banks need to view recovery as an essential part of

credit cycle and not just as the final step, so that loan

officers remain responsible for recovery of loans

during the life of the loan. Timely detection of issues in

the loan account can avoid default in repayment to a

great extent. The system of quarterly/half

yearly/annual due dates generally followed in

agricultural term loan makes early detection difficult

since by the time a loan account is identified as

problematic when one or more instalments are

defaulted, the amount of arrears surges beyond the

capacity of the borrower to pay in the normal course.

Agriculture is prone to specific risks such as climate

risk, price risk, risk of pests and diseases. In spite of

reforms introduced in crop insurance through Pradhan

Mantri Fasal Bima Yojana the coverage of Crop

Insurance at peak level in the last two years was

limited to 40-45% of farmers. Similarly, there is a

growing feeling that huge amount of Central and State

Government subsidy going into crop insurance

scheme actually benefits only the Insurance

Companies as annual compensation payouts under

crop insurance scheme is only to the extent of 60-65%

of gross premium collected, that too with huge delay in

disbursements. The total payouts under PMFBY in the

last two years were only 31613 crores against gross

premium collection of 470408 crores. It is reported

that crop insurance enrolment has come down by 15%

this year, which is attributed to a great extent to issues

in claim approvals and getting compensations. Apart

from crop loss, farmers often suffer substantial losses

due to destruction and damage of farm assets in

extreme weather events, which have become

Model Recovery Policy

`

`

- 16 -


frequent in recent times. At the same time, farmers

generally are shy of insuring farm assets due to high

costs. Like crop insurance scheme, there is need for a

Farm Assets Insurance scheme with the financial

support of Government to address this problem. In

fact, a portion of the huge surplus generated under

Crop Insurance scheme at present, can be used for

implementing such a scheme. Presently farm assets

by and large remain uninsured. The uncompensated

losses of farmers on this account significantly

increase the risks for banks which finance such

assets. The model recovery policy suggests that the

banks should endeavor to make clients aware of

these risks and should take such risks into account in

the loan design. It is necessary to make a provision

for rescheduling instalments due under agriculture

term loan in a bad crop year either partly or wholly

depending on the extent of losses and the impact of

such losses on overall repaying capacity of the

clients.

Lack of financial literacy among rural clients is

another issue coming in the way of timely

repayment. It is observed that clients who do not

keep records of income and expenses, in spite of

having capacity and will, fail to pay on time due to

poor management of cash flow. ARDBs should also

help such clients to accumulate their routine savings

by extending the facility of thrift and saving accounts.

Adequate arrangements for financing working

capital/production credit needs of clients who avail

investment credit, sanctioning of loan and fixing loan

period and due dates strictly based on repaying

capacity, regular monitoring of activities undertaken

by clients using the loan, introducing incentive

scheme to clients for timely repayment,

incentive/penalty systems for loan officers for their

performance in recovery, cluster based group

approach, especially in sanctioning small loans to

facilitate regular and continuous follow up, avoiding

wasteful expenditure on the part of the borrowers to

complete loan procedure, intensive pre-due date

follow up and following a prescribed standard

procedure for carrying out post-due date recovery

follow up are the other major highlights of the model

recovery policy.

The model recovery policy views legal recovery more

as a deterrent than as a means to achieve recovery

targets. While rescheduling and restructuring with

additional period with lower instalments and waiving

a portion of charges are recommended for making

overdue loan accounts regular when reasons for

default are genuine, legal recovery is the only option

in the case of clients who avoid repayment in spite of

having ability to pay. It is seen that completing legal

recovery process effectively in a few cases can

drastically bring down the incidence of wilful default.

Giving state wide publicity to auction for sale of

mortgage property, ensuring participation of

prospective buyers from other districts in the

auction, sanctioning loans to prospective buyers

wherever required, outsourcing legal support for

completing sale procedure in case of shortage of

staff etc. are some of the suggestions to make legal

recovery effective.

ARDBs have been mobilizing deposits under two

schemes as below.

1) Acceptance of term deposits from public

including individuals and institutions based on

NABARD/RBI guidelines in 1997, subject to

following conditions.

(i) Tenure of deposits should be more than

one year.

(ii) Deposits outstanding should not exceed

networth of the work at any time.

2) Acceptance of member deposits without tenure

restriction or ceiling including thrift deposits,

based on schemes approved by the Board.

Deposit Mobilisation by ARDBs suffered setback

Deposit Mobilisation byARDBs –

Scheme of Deposit Mobilisation

- 17 -


during the last 2 years due to unreasonable

restrictions imposed by NABARD on accepting short

term deposits from members. NABARD has since

withdrew the restrictions after the enactment of

Banning of Unregulated Deposit Schemes Act (BUDS)

Act 2019.

With the enactment of BUDS Act 2019, the powers to

regulate deposit schemes of ARDBs now solely vest

with State Govt concerned. Under the provisions of

BUDS Act, ARDBs can collect deposits from their

voting members as well as from others based on

schemes approved by State Govt.

Based on the recommendations of the Working

Group for increasing the share of Investment Credit

by ARDBs under the chairmanship of Shri Y.C, Nanda,

ex-Chairman, NABARD and subsequent discussions

held with the Chairman, NABARD on 06th March

2019, NABARD has decided to increase the

repayment period of LTRCF refinance given to

SCARDBs to 9 years from the current financial year.

This will help banks to avoid Asset Liability mismatch

on account of using short tenure refinance for

issuing long tenure loans. However, on the

restructured refinance product the concessional

interest as applicable to LTRCF shall be available only

for the first 5 years. For the balance outstanding

after 5 years, NABARD will charge interest as

applicable to normal refinance prevailing in the

beginning of 6th year, which will continue as such till

completion of repayment. The Federation vide its

circular No.11(Refinance)/2019-20/149 dated 28th

June 2019 advised the SCARDBs to fix the rate of

interest on loans based on average cost of funds

used for farm sector lending to make available the

benefit of lower interest rate of LTRCF to all farm

sector borrowers since LTRCF funding support

cannot be confirmed against a particular loan at the

time of sanction and disbursement when rate of

interest of loan has to be fixed.

Even though NABARD allows LTRCF refinance upto 9

years, it will be beneficial for the bank and the

borrower to issue 5 year loans and continue to avail 5

year LTRCF as much as possible in view of the

substantially higher interest rate n such refinance

after 5 years, which will also negatively impact

repayment/ recovery of the loan after the initial 5

years.

The National Cooperative Agriculture & Rural

Development Banks’ Federation organized the

National Conference of ARDBs 2019 at New Delhi on

21st November 2019. The participants of the

Conference consisted of State Cooperative

Agriculture & Rural Development Banks as well as

member State Cooperative Banks of the Federation,

114 PCARDBs from var ious States and

representatives of NABARD, NCUI, NCDC, National

Informatics Centre and various National Federations.

“Deepening of Internal Reforms for Enhancing the

Role of ARDBs in Agriculture and Rural Credit” was

the theme of the Conference. The Inaugural Session

was followed by presentations of the Conference

theme and subthemes in the three business

sessions.

The Conference was inaugurated by Shri Parshottam

Rupala, Hon’ble Minister of State for Agriculture and

Farmers Welfare. The function was chaired by Dr.

Chandra Pal Singh, MP, President, NCUI. Shri K.

Sivadasan Nair, Chairman, NCARDBF welcomed the

Guests and delegates to the Conference.

The business sessions of the Conference consisted

of seminars on Deepening of Internal Reforms for

Enhancing the Role of ARDBs in Agriculture and Rural

Credit, internal reforms in LTCCS, NABARD’s vision on

the future of LTCCS, HR scenario in LTCCS, farmer

producer organisations, rating and risk management

in the context of LTCCS, sustainable development

Restructured Refinance Product including LTRCF

and normal refinance

National Conference ofARDBs 2019

- 18 -


and agricultural cooperatives, computerization in

ARDBs. Shri Y.C. Nanda, Ex.Chairman, NABARD, Smt.

SaritaArora,Chief General Manager,NABARD,Dr.A.V.

Bhawani Shankar, Dy. General Manager, NABARD,

Shri D.K. Dekatey, Asst. General Manager, FSDD,

NABARD, Shri P.V. Prabhu, Ex.Chief Executive,

NCARDBF & Trustee-Secretary, NIRB, Shri N.

Satyanarayana, Chief Executive, NCUI, Prof. Alok

Mishra, Management Development Institute,

Gurugram, Shri D.N. Thakur, Ex. Dy. Managing

Director, NCDC, Shri Vaibhav Agarwal, Deputy

Diector, National Informatics Centre made

presentations in the seminar sessions.

Major recommendations/action points of the

Conference are listed below.

• State and Central Government support and

cooperation is necessary in implementing the

structural reforms suggested in the

Vaidyanathan Task Force II Report.

• Government of India should consider

recapitalization of ARDBs without further delay

as they are the only agency helping in creation

of capital formation in agriculture which has

been left out in the restructuring process.

• Interest subvention scheme for crop loans need

to be extended to borrowers of ARDBs to enable

them to get crop loans at affordable cost.

• RBI/GoI need to evolve norms for granting of

licensing to eligible SCARDBs as banks.

• The State Government may be requested to

appoint a Committee at State level consisting of

representatives of stakeholders, NABARD to

study the working of ARDBs and to suggest

measures to strengthen them.

• Consequent upon the enactment of Banning

Unregulated Deposits Schemes (BUDS) Act,

2019, State Governments to help ARDBs in

drawing up deposit schemes to augment short

term resources.

• NABARD to consider refinance support for

advancing crop loans at affordable rate.

Increased support from LTRCF to moderate

average cost of funds. Waiving risk cost of

refinance in case of refinance risk proofed by

government guarantee.

• Qualitative change in the governance through

introduction of ‘Fit & Proper’ criteria and

management and ensuring active member

participation.

• Accelerated Recovery drive initiated by the

Federation need to be continued with renewed

vigour with the support of State Government.

• The Federation need to constitute a high level

team to study various aspects of the functioning

of LTCCS and bring out remedial measures for

their revival by preparing a road map for follow-

up indicating the areas for different

stakeholders. GOI would favourably consider

the legitimate demands of the structure based

on the above exercise.

ARDBs to take following measures to step up

investment credit.

i) Increasing coverage and outreach by opening

customer service points and ultra-small

branches and appoint business correspondents

in potential areas.

State Government/Govt of India/RBI

NABARD

Federation

SCARDBs/PCARDBs

(Action:

State Govts/GoI)

(Action:GoI)

(Action:GoI)

(Action:

RBI/GoI)

(Action: State

Governments)

(Action :State Govts)

(Action:NABARD)

(Action: NABARD)

( A c t i o n : A R D B s / F e d e r a t i o n / S t a t e

Governments)

(Action:Federation)

�

- 19 -


ii) Diversifying to agricultural value chain

financing.

iii) Addressing on priority critical issues affecting

risk rating and eligibility for NABARD’s refinance.

Augmenting resources for lending by

i) Expanding avenues for borrowings and

strengthening capital base for higher borrowing

capacity.

ii) Introducing deposit schemes with the approval

of State Govts and enhancing mobilization with

consistent growth in deposits outstanding.

Introducing short term loan products to meet

production/working capital/contingent credit

needs of members.

Speeding up technology adoption and setting

time frame for completing the process.

Initiate steps to enable PCARDBs to function as

Multi Service Centres.

To promote FPOs by providing credit support to

private initiatives as well as directly undertaking

storage, processing and marketing of produce

of members to increase their income.

To streamline and revamp credit delivery

process to face competition from other RFIs.

Financially strong SCARDBs to go for rating by

accredited rating agencies to borrow from

commercial banks on favourable terms.

Banks to continue with renewed vigour

accelerated recovery drive based on guidelines

of the Federation to bring down overdues and

NPAs within tolerable limits.

Banks to institutionalise reforms in lending and

recovery systems by proper documentation and

incorporating them in their byelaws and rules.

Augmenting capital base for attaining desirable

CRAR by increasing the minimum shareholding

of non-borrowing members to Rs. 500 and

accepting long term deposits which qualify for

Tier II capital and unlocking capital funds locked

up in provisions against NPAs.

Revamping/reviving JLTCs by all SCARDBs as per

guidelines for accreditation by C-PEC.

Strengthening middle management in SCARDBs

by recruiting a team of 3-4 professionals

(Chartered Accountants, Chartered Financial

Analysts, MBAs from reputed management

schools etc.).

Revamping recruitment policy for avoiding

delay in filling up vacancies.

In the meeting held on 04th December 2019, the

Chairman and other representatives of the

Federation brought to the notice certain serious

issues requiring the intervention of the Government

like extending crop loan interest subvention of the

Government to SCARDBs,no budgetary allocation for

investment in the debentures of SCARDBs during

2018-19 and 2019-2020 and requested for restoring

the scheme for investment in the debentures of

LDBs.

Outstanding issues relating to refinance policy of

NABARD with respect of SCARDBs were discussed in

the meeting. The Federation welcomed the funding

support to PCARDBs for extending refinance support

to unitary SCARDBs also for developing Multi Service

Centres. Making available short term refinance to all

SCARDBs which is now restricted to SCARDBs in low

risk category and allocated a portion of LTRCF

refinance for advancing crop loans as an essential

Meeting with Shri Vivek Agarwal, IAS, Joint

Secretary & Central Registrar of Cooperative

Societies

Meeting with Chairman, NABARD on 6 February

2020

�

�

�

�

�

�

�

�

�

�

�

�

�

- 20 -


- 21 -


component of composite term loans were the

important suggestions made by the Federation in the

discussions with NABARD.

A delegation from the Federation met Shri

ParshottamRupala, Hon’ble MoS for Agriculture &

Farmers Welfare on 12 March 2020 to represent on

outstanding issues in the sector requiring the

support of the Govt. The delegation was headed by

Federation’s Board Member Shri Parbatbhai Patel,

MP, Shri K. Shadakshari, Vice Chairman, NCARDBF,

Shri K.K. Ravindran, Managing Director, NCARDBF,

Shri Charandev Singh Mann, Managing Director,

Punjab SCARDB and Shri V.M. Chaudhari, General

Manager,Gujarat SCARDB. The delegation requested

the intervention of Hon’ble Minister for reactivising

the proposal regarding revival package for LTCCS

based on the recommendations of VTF II, extending

Govt of India’s crop loan interest subvention scheme

to SCARDBs, evolving norms for tor giving banking

licence to ARDBs and reviving budget allocation for

contributions to the debentures of SCARDBs on

matching basis with State Govts.

Initial 3 year contract between SCARDBs and NIC has

now been expired in some States. The National

Informatic Centre (NIC) has now agreed in principle

to renew the contract, subject to terms and

conditions being discussed and mutually agreed

upon and suggested the Federation to arrange a

meeting of representatives of concerned SCARDBs

with NIC sometime in the second week of April 2020.

In the meantime, Member banks were advised to

inform the Federation issues and disputes, if any, to

be discussed and sorted out with NIC at the earliest.

Federation publishes Land Bank Journal since 1962.

Journal publishes research articles and news on

Agriculture Rural Credit and Cooperation. We also

cover important events in the sector and reports on

activities of member banks in the publication.

Collection and compilation of statistics relating to

member banks' operations and publication of Annual

Statistical Bulletin is also undertaken by the Cell.

Federation is trying to make this important

publication up to date by streamlining the reporting

system in order to remove the delay in getting

ground level data.

Federation collects and compiles data on member

banks' key operations on a monthly basis for review

at its level and reporting to Govt. of India. Loan

disbursements, Recovery performance, Borrowings

and Deposit Mobilisation are the main areas covered

in the monthly progress report.

Delegation to Shri Parshottam Rupala, Hon’ble

MoS for Agriculture & Farmers Welfare on 12

March 2020

Computerisation of ARDBs – Renewal of

Contract with NIC

Publications

LAND BANK JOURNAL

Annual Statistical Bulletin

Monthly Progress Report ofARDBs

At National level

National Cooperative Union of India (NCUI)

Cooperative Bank of India (COBI)

Centre for International Cooperation and Training

inAgricultural Banking (CICTAB)

International CooperativeAlliance (ICA)

Asia and Pacific Regional Agricultural Credit

Association (APRACA)

International Raiffeisen Union (IRU)

Federation is affiliated to the following organizations

at the national level.

Federation is a member of NCUI and associates

actively with its programmes. Shri K. Sivadasan Nair,

Chairman, is Federation’s representative in the

General Body of NCUI, who is also elected to the

Governing Council.

Federation is one of the founder members of COBI.

Shri K. Sivadasan Nair, Chairman of the Federation was

nominated to the General Meeting of COBI and is also

an elected member in the Board.

National Film and Fine Arts Cooperatives Ltd.

(NAFFAC)

Shri K. Ravinder Rao, Vice Chairman of the Federation

represents the General Body and Board of NAFFAC.

National Cooperative Development Corporation

(NCDC)

Shri K.K. Ravindran, MD, Federation has been

nominated as a Member of General Council of NCDC by

Govt of India under Section 3(4)(XVII) of NCDC Act

1962.

Federation is also holding associate membership with

the following organizations.

• Indian Merchants Chamber (IMC)

• Indian Banks'Association (IBA)

• Indian Society for Studies in Cooperation

• IndianTourism Cooperative Ltd. (ITC)

MD, Federation is a member of General Council of

CICTAB.

Federation is a member of ICA global as well as ICA

Asia-Pacific Region. Federation also associates with

various Committees of ICA.

Shri K. Sivadasan Nair, Chairman is elected as

Chairman of ICAAP Committee on Banking and Credit.

Shri Nair was also elected as Vice President of

International Cooperative Banking Association (ICBA)

which was reconstituted in the ICA Global Assembly

held in Kigali in October 2019.

Federation is a founder member of APRACA. Shri K.K.

Ravindran, MD, Federation is a member of its General

Body since 1996.

Federation is a member of IRU. Chairman represents

the Federation in the General Body of IRU.

At International level

- 22 -


AFFILIATIONS

General Body

The General Body consists of members of the

Federation, represented by the Delegates nominated

by the Board of Directors of the respective bank.

Following is the list of members of the Federation.

1. Assam State Co-operative Agriculture & Rural

Development Bank Ltd.,Guwahati.

2. The Multi State Cooperative Land Development

Bank Ltd. (Bihar- Jharkhand)

3. Gujarat State Co-operative Agriculture & Rural

Development Bank Ltd.,Ahmedabad.

4. Haryana State Co-operative Agriculture & Rural

Development Bank Ltd.,Panchkula.

5. Himachal Pradesh State Co-operative Agriculture

& Rural Development Bank Ltd.,Shimla.

6. Jammu & Kashmir State Co-operative Agriculture

& Rural Development Bank Ltd.,Srinagar.

7. Karnataka State Co-operative Agriculture & Rural

Development Bank Ltd.,Bangalore.

8. Kerala State Co-operative Agricultural & Rural

Development Bank Ltd.,Thiruvananthapuram.

9. Orissa State Co-operative Agricultural & Rural

Development Bank Ltd.,Bhubaneshwar.

10. Pondicherry Co-operative Central Land

Development Bank Ltd.,Pondicherry.

11. Punjab State Co-operative Agricultural

Development Bank Ltd.,Chandigarh.

12. Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.,

Jaipur.

13. Tamil Nadu Co-operative State Agriculture &

Rural Development Bank Ltd.,Chennai.

14. Tripura Co-operative Agriculture & Rural

Development Bank Ltd.,Agartala.

15. Uttar Pradesh Sahakari Gram Vikas Bank Ltd.,

Lucknow.

16. West Bengal State Co-operative Agriculture &

Rural Development Bank Ltd.,Kolkata.

17. Delhi State Cooperative Bank Ltd.,New Delhi.

18. Meghalaya Co-operativeApex Bank Ltd.,Shillong.

19. Telangana State Co-operative Apex Bank Ltd.,

Hyderabad.

- 23 -

Sr.No. Name of Board Member Member Bank representing

Board of Management

As per Byelaw No. 20 (iii), the Board of Management of the Federation consists of 19 Directors elected by the

General Body, 1 Director being nominated by the Central Govt., 2 Directors co-opted by the Board apart from

Managing Director, who is ex-officio member of the Federation. 4 positions of elected members representing

member banks are vacant.

The Board of Management of the Federation consists of the following persons :- (As of September 2020)


1. Shri K. Sivadasan Nair Kerala State Cooperative Agricultural & RuralChairman Development Bank Ltd.

2. Shri K. Shadakshari Karnataka State Cooperative Agriculture &Vice Chairman Rural Development Bank Ltd.

3. Shri Bijay Kumar Singh Multi State Cooperative Land DevelopmentVice Chairman Bank Ltd. (Bihar-Jharkhand)

MANAGEMENT OF THE FEDERATION

- 24 -

Sr.No. Name of Board Member Member Bank representing

4. Shri K. Ravinder Rao Telangana State Cooperative Apex Bank Ltd.Vice Chairman

5. Shri Marchynna Syiem Meghalaya Cooperative Apex Bank Ltd.Vice Chairman

6. Shri Parbatbhai Patel, MP Co-opted

7. Dr. Bijender Singh Delhi State Cooperative Bank Ltd.

8 Shri R. Parimel Azhagan Tamil Nadu Cooperative State agriculture &Rural Development Bank Ltd.

9 Shri Moinul Hassan West Bengal State Cooperative Agriculture & RuralDevelopment Bank Ltd.

10 Shri Balwinder Singh Punjab State Co-operative AgricultureDevelopment Bank Ltd.

11. Shri Arvind Kumar Singh Uttar Pradesh Rajya Sahakari Gram Vikas Bank Ltd.

12. Shri Jitendra Prasad Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.

13. Shri V.M. Chaudhari Gujarat State Cooperative Agriculture & RuralDevelopment Bank Ltd.

14. Shri Naresh Goyal Haryana State Cooperative Agriculture &Rural Development Bank Ltd.

15. Shri Vivek Chauhan (HPAS) Himachal Pradesh State CooperativeAgriculture & Rural Development Bank Ltd.

16. Shri Mohammad Aslam Bhat Jammu & Kashmir State CooperativeAgriculture & Rural Development Bank Ltd.

17. Shri Pramod Reang, MLA Tripura Cooperative Agriculture &Rural Development Bank Ltd.

18. Shri K.K. Ravindran Managing Director, NCARDB Federation


Executive Committee

(1) Shri K.Sivadasan Nair,

(2) Shri K.Shadakshari,

(3) Shri Bijay Kumar Singh,

(4) Shri K.Ravinder Rao,

(5) Shri M.Syiem,

(6) Shri K.K.Ravindran,

Administrative Committee

As per Byelaw No. 26(a), Executive Committee shall

consist of Chairman, 4 Vice Chairmen, Managing

Director and 5 Board members elected by the Board.

Chairman

(Kerala State Cooperative Agriculture & Rural

Development Bank Ltd.)

Vice Chairman

(Karnataka State Cooperative Agriculture & Rural

Development Bank Ltd.)

Vice Chairman(Multi State Cooperative Land Development Bank

Ltd. Bihar - Jharkhand)

Vice Chairman(Telangana State Cooperative Bank Ltd.)

Vice Chairman(Meghalaya CooperativeApex Bank Ltd.)

As per Byelaw No. 27(a), the Administrative Committee

consists of Chairman, 4 Vice Chairmen and the

Managing Director. Following are the members of

Administrative Committee as of September 2020.

Managing Director,NCARDBF

(3 positions remained vacant as of September 2020)

- 25 -

Important issues discussed in Board Meetings

The Board Meetings continued to be the main forum

for discussing the policy and operational issues related

to rural credit apart from reviewing the operations of

member banks.

During the year under report, the Board, besides

discussing regular items related to business

operations of member banks and periodical review of

performance under NABARD refinance, advances,

recovery etc. also considered and discussed the

following subjects in its meetings.

1. Report of the Working Group on enhancing the

share of ARDBs in Investment Credit – Action

points for Federation and Member banks.

2. Model Recovery Policy for farm and non-farm

term loans.

3. Communication to SCARDBs regarding actions

required to step up lending and drawalof

refinance.

4. Review of the sub – Committee on Undertaking

Income generating activities through Subsidiaries

under Byelaw No.3(b)(xiii).

5. Interest rates on NABARD’s refinance with effect

from May10,2019.

6. Organising Training programmes for Non-Official

Directors of SCARDBs and Directors in the Branch

advisory Committees of PCARDBs during

2019-20.

7. The calendar of Programmes for the financial year

2019-20.

8. Review of performance of SCARDBs during

April’18 – March’19 in key operational areas.

9. Long term Refinance Policy for PCARDB’s as Multi

service Centers through SCARDBs- Refinance

policy for 2019-20.

10. Banning of Unregulated Deposit Schemes (BUDS)

Act 2019.

11. National Conference of ARDB- Proceedings and

action Points.

12. Action Plan to enhance market share of ARDBs in

Investment credit.

13. Long Term Refinance for Investment Credit for

Agriculture- Long Term Rural Credit Fund 2019-20

(LTRCF) – SCARDBs

14. Interest rate on NABARD Refinance.

15. Licensing State Cooperative Agriculture & Rural

Development Banks (SCARDBs) within the

Purview of BR Act. – Letter from RBI Dt. 7 August

2019.

16. Dairy Entrepreneurship Development Scheme

(DEDS) - Contribution of the scheme for the

financial year 2019-20- Revision in the margin

requirement.

17. Review of performance of SCARDBs during

April’19 – October’19 in key operational areas.

(1) Shri K.Sivadasan Nair,

(2) Shri K.Shadakshari,

(3) Shri Bijay Kumar Singh,

(4) Shri K.Ravinder Rao,

(5) Shri M.Syiem,

(6) Shri K.K.Ravindran,

Chairman

Vice Chairman

Vice Chairman

Vice Chairman

Vice Chairman

Managing Director

Meeting of General Body, Board and Executive Committee during the financial year 2019-20

The Meetings of the General Body, Board and Administrative Committee during the year under report with dates

and venues are listed below :


Meetings Place Date

(a) Annual General Meeting

(b) Board of Management

Mumbai 10 June 2019

158 Boardth

Mumbai 10 June 2019

159 Board Hyderabad 18 January 2020th

The summary ofAssets and Liabilities and Income & ExpenditureAccounts for the year 2019-20 are given below:

ASSETS AND LIABILITIES ( in Lakhs)`

INCOME AND EXPENDITURE

Particulars

1. AMS & Additional contributions from member banks 84.90 77.97

2. Interest & Dividend Incomes 205.58 199.15

3. Grants received (GOI,NCUI, NABARD) 11.00 8.00

4. Miscellaneous Income / Guest House service charges 0.15 0.15

5. Recovery from BDDR, Excess Provision reversed & old Payables written off 0.46 24.96

1. Management Cost 125.80 114.86

2. Other Office Expenses 30.70 60.74

3. Meetings/Seminar/Conference Expenses/Award Function 18.32 8.09

4. Premises Maintenance Expenses 8.58 8.12

5. Provisions /Reserves 102.58 103.85

INCOME 2019-20 2018-19

TOTAL (1 to 5) 302.09 310.23

EXPENDITURE

TOTAL (1 to 5) 285.98 295.66

Surplus 16.11 14.57

( in Lakhs)`

- 26 -

Sr.No.

Amount

Sr.No. LIABILITIES As on Sr.No. ASSETS As on

TOTAL 2267.02 2233.11 TOTAL 2267.02 2233.11

31.3.20 31.3.19 31.3.20 31.3.19

1. Reserves & 2171.37 2143.37 1. Cash & Bank 15.03 12.38Other Funds Balances

2. Secured Loans 0.00 0.00 2. Investments 1919.12 1863.99

3. Other Liabilities 79.55 75.17 3. FixedAssets 212.11 218.85& Provisions

4. Surplus transferred 16.10 14.57 4. Sundry Debtors 116.33 94.33from Income & Exp.A/C & Receivables

5. Loans &Advances 0.98 6.25

6. LongTerm Capital 0.00 33.73Loss (c/f)

7. Sundry Deposits & 3.45 3.58Prepaid Exps.


FINANCE AND ACCOUNTS

- 27 -


BRIEF PROFILE OF MEMBER BANKS

Gujarat State Cooperative Agriculture & Rural Dev. Bank Ltd.

489, Ashram Road, Opp. Nehru Bridge, Navrangpura, Ahmedabad - 380 009

Particulars 2017-18 2018-19 2019-20

Key Financial Parameters ( Lakhs)`

Loans Outstanding 57965.12 58196.20 56001.13

Loans Disbursed 17762.88 14956.81 13652.26

Total Paid up Capital 4590.85 4532.39 4445.99

Free Reserves 54874.66 56036.78 25017.33

Capital to Asset Ratio (%) 49.07 49.05 56.95

Deposit Outstanding 26078.30 27041.55 26711.86

Borrowings Outstanding 39201.55 34226.78 40217.36

Net Profit 2100.14 2101.52 2525.00

Accumulated Loss, If Any - - -

CustodianShri Chetan N. Parmar

General Manager:Shri V. M. Chaudhari

On Loans : 11.00% to 13.00%On Deposit Collection : 5.75% to 6.00%

Interest RateStaff PositionAt SCARDB (HO & Branches) – 317+230(Contract/Fixed Bade)

Email [email protected] Telephone Nos. 079-26585365/70/71

Haryana State Cooperative Agriculture & Rural Dev. Bank Ltd.

Shakarita Bhavan, Bay No. 31-34, Sector 2, Panchkula – 134 112

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 7721.39 2644.00 7246.73


Free Reserves 42144.90 42144.90 49587.18

Capital to Asset Ratio (%) NR NR NR



Net Profit/Loss* (3188.11) (7638.23) 6392.30

Accumulated Loss, If Any 37788.30 45426.53 39034.23NR - Not Reported. *Figures in Bracket indicate Loss.

Telephone No. 0172-2587040Email – [email protected]

Chairman Managing Director:Shri Naresh Goyal

Staff PositionAt SCARDB : 68At PCARDB : 743

On Loans :Interest Rate

12.00% to 13.00%On Deposit Collection : NR

- 28 -


Himachal Pradesh State Cooperative Agri. & Rural Dev. Bank Ltd.

Block No. D-3, SDA Complex, Kasumpti,Shimla-171 009

Telephone No. 0177-2621437Email: [email protected]

ChairpersonSmt. Sashi Bala

Managing DirectorShri Vivek Chauhan, (HPAS)

Interest Rate

on Loans: NRon Deposit Collection: NR

Staff PositionAt SCARDB (HO & Branches): 170At PCARDB: 50

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 8217.82 8498.79 5813.49


Free Reserves 2121.95 2121.95 2121.95




Net Profit/Loss* 127.43 22.80 (185.41)

Accumulated Loss, If Any - - 35.18NR - Not Reported. *Figures in Bracket indicate Loss.

Jammu & Kashmir State Cooperative Agri. & Rural Dev. Bank Ltd.

House No. 12, Post Office Lane, Hyderpora, Near Mubarak Hospital, Srinagar - 190 014.

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 1268.75 1182.79 904.43

Total Paid up Capital 2999.25 3016.92 NR

Free Reserves 14.05 237.63 NR

Capital to Asset Ratio (%) NR 51.12 NR



Net Loss 693.10 7993.97 9602.86

Accumulated Loss, If Any 6800.34 NR NR

NR - Not Reported.

Telephone No. 0194-2431892/2431965Email: [email protected]

Managing DirectorShri Mohammad Aslam Bhat

Staff PositionAt SCARDB (HO & Branches) - 239

Interest RateOn Loans – 14.50%On Deposit Collection – 7.75%

- 29 -


Karnataka State Cooperative Agriculture & Rural Dev. Bank Ltd.

Tippu Sultan Palace Road, Chamrajpet, P.O. Box No.1811, Fort, Bangalore - 560 018.

Telephone No. 080-26702024/74Email – [email protected]

Interest Rate

on Loans – 3.00% to 6.00%

on Deposit Collection – 9.40%

Staff Position

At SCARDB : 306

At PCARDB : 575

President:

Shri K. Shadakshari, Ex. MLA

Managing Director:

Dr. K. C. Yathish Kumar, KCS

Particulars 2017-18 2018-19 2019-20


NR - Not Reported.


Loans Disbursed 19858.13 23377.07 26439.46


Free Reserves 4829.59 4939.20 4657.36

Capital to Asset Ratio (%) 6.23 6.38 NR



Net Profit 68.69 75.67 NR


Kerala State Cooperative Agricultural & Rural Dev. Bank Ltd.

Land Bank Building, Post Box No. 56,Statue Junction, Thiruvananthapuram - 695 001

Telephone No. 0471-2460595Email: [email protected]

President

Shri Soloman Alex

Interest RateOn Loans – NROn Deposit Collection – 6.75%

Staff PositionAt SCARDB: 177At PCARDB: NR

Managing Director

Shri V. Ratheesan, IAS

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 232755.01 220951.61 221763.38


Free Reserves 30201.41 40933.05 43324.02




Net Profit 2753.18 2565.50 2780.50

Accumulated Loss, If Any - - -NR - Not Reported.

- 30 -


Punjab State Cooperative Agricultural Development Bank Ltd.

SCO No.51-54, Bank Square, Sector 17-B, Chandigarh-160 017

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 28562.51 17486.17 1254.23


Free Reserves 12791.19 23397.92 23128.40




Net Profit 828.95 120.49 227.34


Telephone Nos. 0172-2708134/5011708Email – [email protected]

Chairman:

Shri Kamaldeep Singh

Managing Director:

Shri Charandev Singh Maan

Staff PositionAt SCARDB: 192At PCARDB: 632

Interest RateOn Loans – 10.95% to 11.80%On Deposit Collection – 6.75% to 6.95%

Pondicherry Cooperative Central Land Dev. Bank Ltd., P-106

No. 24, Colas Nagar, Uppalam, Puducherry - 605 001


Managing Director –Thiru A. Iryasappan

Interest RateOn Loans: 11.50% to 13.50%On Deposit Collection: 8.50%

Staff PositionAt SCARDB (HO & Branches) : 30

Particulars 2017-18 2018-19 2019-20


Administrator :Smt. V. Sarojini

NOT REPORTED

Loans Outstanding 3021.58 3188.84

Loans Disbursed 2381.76 2441.57

Total Paid up Capital 463.69 484.67

Free Reserves 270.89 136.01

Capital to Asset Ratio (%) NR NR

Deposit Outstanding 2691.86 2989.27

Borrowings Outstanding 534.66 385.70

Net Loss 41.75 50.64

Accumulated Loss, If Any 383.86 434.50NR - Not Reported.

- 31 -


Rajasthan Rajya Sahakari Bhoomi Vikas Bank Ltd.

Nehru Sahakar Bhawan, Western Block, 22- Godown Circle, Bhavani Singh Road, Jaipur - 302 005

Telephone Nos. 0141-2740760Email: [email protected]

Administrator:Shri G. L. Swami

Interest RateOn Loans – 15.59%On Deposit Collection – Not accepting Deposit

Staff Position :At SCARDB: 58At PCARDB: 271

Managing Director :Shri Jitendra Prasad

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 24372.30 13932.53 7939.28


Free Reserves 51656.97 52057.40 56990.47




Net Profit/Loss* (4391.65) 4420.46 2992.90

Accumulated Loss, If Any - - --

*Figure in Bracket indicate Loss.

Tamil Nadu Cooperative State Agriculture & Rural Dev. Bank Ltd.

No. 181 & 183, Luz Church Road, Mylapore, Chennai - 600 004

Telephone No. 9445034060/9445034070Email – [email protected] /[email protected]

Chairman :Shri R. Parimel Azhagan

Interest RateOn Loans – 8.25% to 9.00%On Deposit Collection: 7.00% to 7.25%

Staff PositionAt SCARDB : 93At PCARDB : 455

Managing Director :Smt. R. Brindha

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 69702.35 77322.15 97474.75


Free Reserves 7773.00 12223.00 12356.00




Net Profit 1043.54 2762.39 30.77


- 32 -


Uttar Pradesh Sahakari Gram Vikas Bank Ltd.

10, Mall Avenue, Lucknow - 226 001

Telephone Nos. 0522-2238844 / 2238855Email – [email protected]

ChairmanShri Santraj Yadav

Interest Rateon Loans – 13.00% to 13.50%on Deposit Collection – 6.00%

Staff PositionAt SCARDB (HO & Branches): 2855

Managing DirectorShri Arvind Kumar Singh

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 6251.27 15180.32 5113.32


Free Reserves 79628.27 79109.55 79006.00




Net Profit/Loss* 191.80 (8451.20) NR

Accumulated Loss, If Any 2504.05 10955.26 NRNR - Not Reported. *Figures in brackets indicate Loss.

Tripura Cooperative Agriculture & Rural Dev. Bank Ltd.

Office Lane, Agartala - 799 001

Telephone No. 0381-2323972Email – [email protected]

PresidentShri Pramod Reang, MLA

On Loans : 14.25% to 16.25%Interest RateStaff Position

At SCARDB (HO & Branches) : 23

General ManagerShri Apurba Krishna Chakraborty


Particulars 2017-18 2018-19 2019-20

Loans Outstanding 1646.94 1322.58


Total Paid up Capital 1019.35 1000.43

Free Reserves 8.85 8.85

Capital to Asset Ratio (%) 39.53 NR


Net Profit/Loss* 19.68 (301.26)

Accumulated Loss, If Any 1645.38 1946.64NR - Not Reported. *Figures in brackets indicate Loss.

NOT REPORTED

- 33 -


West Bengal State Coop. Agriculture & Rural Dev. Bank Ltd.

25-D, Shakespeare Sarani, Kolkata - 700 017


Special Officer:Shri Moinul Hassan, Ex-MP

Interest Rateon Loans – 7.88% (Tentative)on Deposit Collection – 6.89% (Tentative)

Staff PositionAt SCARDB (HO & Branches) : 80At PCARDB : 585


Managing Director:Shri Amlan Bhattacharya

Particulars 2017-18 2018-19 2019-20


Loans Disbursed 22333.84 25090.39 29223.46


Free Reserves 1059.89 1170.47 1266.74




Net Profit 244.05 322.93 357.70

Accumulated Loss, If Any 1211.27 1044.13 865.92

Chairman:Dr. Bijender Singh

On Loans : 7.00% to 18.50%On Deposit Collection: 3.00% to 6.50%

Interest RateStaff PositionAt HO: 65At Branches: 453

Managing Director:Smt. Anita Rawat

Delhi State Cooperative Bank Ltd.

31, Netaji Subhash Marg, Darya Ganj, New Delhi – 110 002

Telephone No. 011-41705038Email: [email protected]/[email protected]

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 20697.26 17553.40 23403.41


Free Reserves 22861.97 24992.27 26888.98



Borrowings Outstanding 1103.29 248.58 NR

Net Profit 2913.17 3009.64 3038.47

Accumulated losses, if any - - -NR - Not Reported.

SCBs

- 34 -


Particulars 2017-18 2018-19 2019-20



Loans Disbursed 18806.52 NR NR


Free Reserves 12123.90 13085.60 14085.28


Deposits Outstanding 245979.01 265676.69 281319.75


Net Profit 944.95 1025.24 1500.00


Meghalaya Cooperative Apex Bank Ltd.

M. G. Road, Head Office, Shillong – 793 001

Telephone Nos. 0364-2224160/2225190Email – [email protected] / [email protected]

Chairman:

Shri Marchynna Syiem

Managing Director:

Shri Osmand E. J. Nongbri

Staff PositionAt HO: 145At Branches: 430

Interest RateOn Loans – 9.00% to 10.00%On Deposit Collection – 4.00% to 7.25%

Telangana State Cooperative Apex Bank Ltd.

4-1-441, Bank Street, Troop Bazar, Abids, Hyderabad - 500 001

Telephone Nos. 040-24685567Email – [email protected]/[email protected]

President :

Shri Konduru Ravinder Rao

Staff PositionAt HO : 226At Branches : 252

Managing Director:

Dr. Nethi Muralidhar

Interest Rateon Loans – 5.00% to 14.00%on Deposit Collection – 4.75% to 6.60%

Particulars 2017-18 2018-19 2019-20



Loans Disbursed 604400.18 608112.82 782100.84


Free Reserves 31859.82 34753.77 37703.99


Deposits Outstanding 385125.24 362225.81 464489.11


Net Profit 4061.25 4436.36 4894.12


- 35 -


Other SCARDBs

Assam State Cooperative Agriculture & Rural Development Bank Ltd.

Ashram Road, Ulubari, Guwahati – 781 007.


Particulars 2017-18 2018-19 2019-20


Loans Disbursed 182.28 226.94 208.33


Free Reserves 1061.39 1061.39 1061.39




Net Profit/Loss * 16.166 (1.21) NR

Accumulated Loss, If Any 7635.38 7636.60 7636.60NR - Not Reported. *Figures in brackets indicate Loss.

ChairmanShri Ananda Bhuban Das

Chief Executive Director :Shri Ghana Pegu

Interest RateOn Loans : NROn Deposit Collection: NR

Staff PositionAt SCARDB (HO & Branches): 184

Email – [email protected] Telephone No. 0361-2522201


Multi State Cooperative Land Development Bank Ltd.

Budh Marg, Patna – 800 001

Telephone No. 0612-2226221/22Email – [email protected]

ChairpersonSmt. Mamta Singh

Managing Director:Shri Ajay Kumar Singh

Staff PositionAt SCARDB (HO & Branches): 478 On Loans – 11.00%

Interest Rate

Particulars 2017-18 2018-19 2019-20

Loans Outstanding 5032.95 NR


Total Paid up Capital 2833.32 NR

Free Reserves 1554.78 NR

Capital to Asset Ratio (%) 3.20 NR

Deposit Outstanding 471.26 NR


Net Loss 2485.60 NR

Accumulated Losses If any, - -NR - Not Reported

NOT REPORTED

Data on operations of fully functional SCARDBs during

2019-20 are furnished in Statements given in the

Annexures of this Report.

Aggregate advances by 13 fully functional SCARDBs

were 4214.40 crores compared to 4242.50 crores

during the previous year. Aggregate lending by

SCARDBs flattened around this level for the last few

years mainly on account of stagnating funding sources.

Further, 4 out of 13 fully functional SCARDBs could not

access NABARD’s refinance for a long time and also

there has been no growth in the drawal of refinance by

others except Kerala which continues to account for

more than 50% of the aggregate advances. Kerala

SCARDB is the only Bank which registered significant

growth in lending in recent years which also helped to

keep the aggregate level not going down drastically.

West Bengal, Karnataka and Tamil Nadu SCARDBs are

the other 3 SCARDBs which performed better than

previous year. Haryana SCARDB after near stoppage

during 2018-19 revived lending during the year to

some extent. Punjab, Uttar Pradesh and Rajasthan are

among major banks whose lending during the year was

significantly lower than the previous year.

Total loan outstanding of SCARDBs as on 31.3.2020 is

stood at 20102.57 crores as against 19760.87 crores

during the previous year indicating only a slight

increase in business level.

Total borrowings of SCARDBs during 2019-20 stood at

4077.74 crores as against 3513.21 crores during

2018-19. 51% of borrowings was sourced from

NABARD while NCDC and banking system accounted

for 46% and the balance 3% came from government

sector.

Aggregate borrowings outstanding of fully functional

SCARDBs came down to 13437.20 crores as on

31.3.2020 as against 14871.10 crores as the same

during the previous year. NABARD’s refinance at

11514.16 crores accounted for 86% of the total

borrowings outstanding. Outstanding refinance of

NABARD Slightly increased by 0.78% during the year

from 11514.16 crores to 11604.44 crores. Haryana

SCARDB reduced its borrowing outstanding

significantly by fully redeeming short term loans taken

from NCDC in the previous year and annual

redemption of NABARD’s refinance without availing

fresh refinance during the year.

Total deposits of fully functional SCARDBs, outstanding

as on 31.3.2020 were 2129.21 crores as against

2113.92 crores as of March 31, 2019. Kerala and

Karnataka SCARDBs, occupy first two positions in

deposit mobilization followed by Gujarat, Punjab,Tamil

Nadu andWest Bengal while deposit mobilization is yet

to pick up momentum in Haryana and Uttar Pradesh.

Out of 12 banks for which details are available, 8 banks

increased outstanding deposits at the end of 2019-20

and 4 banks suffered negative growth compared to the

position in the previous year.

DCB Position of SCARDBs slightly improved during the

year 2019-20 Aggregate average recovery of SCARDBs

increased to 42.06% from 40.70% during the period. At

the Ultimate Borrower level average recovery of banks

increased from 36.37% to 38.59%. However, recovery

position is yet to return to pre-demonetization level in

most of the States.

Aggregate demand of SCARDBs during 2019-20

increased by 10.5% from 10766 crores to 11898

crores during the previous year. Absolute amount of

collections increased by 14% from 4381 crores to

5004 crores. Inspite of better recovery, aggregate

amount of overdues at SCARDB level increased to

6894 crores from 6384 crores registering a growth of

8% over the previous year.

` `

` `

` `

`

`

`

` `

`

`

` `

`

`

` `

- 36 -


MEMBER BANKS’ OPERATIONS DURING 2019-20


At the Ultimate Borrowers level, aggregate demand

increased from 13183 crores in 2018-19 to 14473

crores in 2019-20 registering a growth of 9.8%.

Against this, recoveries during 2019-20 were 5585

crores compared to 4797 crores in the previous year

registering a growth of 16.4%. However, absolute

amount of overdues at Ultimate Borrowers level

increased by 6% from 8389 crores in 2018-19 to

8889 crores in 2019-20.

Aggregate average of gross NPAs of SCARDBs

increased to 29.50% in 2019-20 from 27.08% in the

previous year. Only Kerala and Pondicherry have gross

NPA at tolerable levels of 5.81% and 2.22%

respectively. Tamil Nadu also could contain NPA at

15.64%, while gross NPAs of all other SCARDBs stood

above 20% and even crossed 80% in the case of Tripura

and Haryana.

According to pre-audited data, among fully functional

SCARDBs, 8 banks posted net profits during 2019-20.

Haryana SCARDB which was in losses last year made a

turn-around this year. However, Himachal Pradesh

SCARDB which was in profit continuously for many

years till last year incurred net losses of about 1.85

crores during the year. Total profits earned by these

banks during 2019-20 increased to 153.82 crores

from 123.92 crores in the previous year. Total losses

of 5 SCARDBs which incurred net losses during 2019-

20 also could reduce aggregate losses from 244.35

crores to 185.91 crores during the year.

` `

`

`

`

`

`

`

`

`

`

- 37 -

The Federation continues to maintain close contacts

and liaison with Central and State Govts.,NABARD,RBI,

NCDC, NCUI and various other agencies and

institutions in its endeavour to strengthen the

structure and expand the operations of member

banks. The Board of Management places on record its

gratitude to all these agencies and institutions for the

support and cooperation extended to the Federation.

The Federation as well as its member institutions have

been receiving financial and policy support from

Government of India, Ministry of Agriculture & Farmers

Welfare. The Board of Management places on record

its gratitude to Shri Parshottam Rupala, Minister of

State for Agriculture & Farmers Welfare, the Ministry

for their continued support and guidance to the

Federation and to the Long Term Cooperative Credit

Structure.

NABARD from its inception has been extending

refinance as well as development support to

SCARDBs. The Board of Management conveys its

gratitude to NABARD for its continued refinance

support to SCARDBs and the role it has been playing

over the years to strengthen the Long Term Rural

Cooperative Credit Structure.

We also extend our gratitude to NCDC,NHB,Scheduled

Commercial Banks and State Cooperative Banks for

continuing to provide funding support to SCARDBs

which helped them to meet the credit needs of their

members better.

The NCUI has been providing active support to the

Federation in its activities. The Federation places on

record its appreciation and gratitude to Dr.Chandrapal

Singh Yadav, President and Shri N. Satyanarayana,

Chief Executive.

The Federation continued to receive financial and

other supports as well as active cooperation from its

member banks during the year under report. We

express our profound gratitude to the management

and staff of all our member banks particularly to the

Chairmen and Chief Executives of SCARDBs for their

cooperation and support. The Board of Management

also places on record the valuable contributions of

Shri K. Sivadasan Nair, Chairman who with the able

support of Vice Chairpersons Shri K. Shadakshari, Shri

K. Ravinder Rao, Shri Bijay Kumar Singh and Shri

Marchynna Syiem who gave effective leadership to

the Federation and the LT credit sector.

The Board also places on record its gratitude and

appreciation to Shri Parbatbhai Patel, MP, for his

valuable support in taking up various issues in LTCCS

with appropriate authorities in Government of India

and also his guidance to the Federation as a Co-opted

Member on the Board.

The Board appreciates the services of Shri K.K.

Ravindran, Managing Director, who ably discharged

the responsibilities of Chief Executive with dedication.

The Management also appreciates the services of its

officers and staff during the year.

On behalf of the Board of Management

ChairmanK. Sivadasan Nair

- 38 -


ACKNOWLEDGEMENT

- 39 -

(in

Lak

hs)

`

TA

BL

E1

-L

OA

NS

DIS

BU

RS

ED

AN

DL

OA

NS

OU

TS

TA

ND

ING

Nam

eo

fS

CA

RD

B

12

34

56

78

910

1.

Guja

rat

9887.0

93765.1

713652.2

614956.7

851795.4

64205.6

756001.1

358196.1

9

2.

Hary

ana

6649.8

82298.5

78948.4

52643.5

996724.8

826887.2

5123612.1

3147602.2

7

3.

Him

achal P

radesh

4637.8

711

75.6

25813.4

98498.7

9311

11.2

612980.4

144091.6

745388.8

1

4.

Jam

mu &

Kashm

ir661.3

6243.0

7904.4

311

82.7

94233.9

81532.5

15766.4

95788.4

3

5.

Karn

ata

ka

26463.1

0530.2

126993.3

124563.4

6174609.2

93296.9

2177906.2

11411

84.0

8

6.

Kera

la79288.6

0142474.7

8221763.3

8220951.6

0238917.4

2472919.2

1711

836.6

3665853.7

7

7.

Pondic

herr

y $

0.0

02375.8

62375.8

62441.5

70.0

03590.2

23590.2

23188.8

4

8.

Punja

b1010.3

3243.9

01254.2

317486.1

7142024.0

581085.9

3223109.9

8248012.0

5

9.

Raja

sth

an

7258.2

8681.0

07939.2

813932.5

3128964.5

437134.4

4166098.9

8158159.7

0

10.

Tam

il N

adu

0.0

097474.7

597474.7

577322.1

50.0

092846.8

292846.8

273647.6

0

11.

Tripura

NR

NR

NR

0.0

0N

RN

RN

R1322.5

8

12.

Uttar

Pra

desh

4281.0

1827.5

25108.5

315180.3

2N

RN

R280706.4

6313280.4

8

13.

West B

engal

24694.5

84517.3

429211

.92

25090.3

992800.4

831890.0

7124690.5

511

4462.6

3

TO

TA

L[1

to 1

3]

164832.1

0256607.7

9421439.8

9424250.1

49611

81.3

6768369.4

52010257.2

71976087.4

3

Note

: (1

) N

R -

Not R

eport

ed.

(2)

$ L

oans d

isburs

ed a

nd o

uts

tandin

g p

ositio

n U

pto

January

2020.

Sr.

No

.F

arm

Secto

rN

on

Farm

Secto

r(i

ncl.

of

RH

S/S

.T.

Lo

an

s/O

thers

)

Lo

an

sD

isb

urs

ed

du

rin

g2019-2

0L

oan

sO

uts

tan

din

gas

on

31

Marc

h2020

To

talL

oan

sD

isb

urs

ed

(3+

4)

Lo

an

sD

isb

urs

ed

du

rin

g2018-1

9

Farm

Secto

rN

on

Farm

Secto

r(i

ncl.

of

RH

S/S

.T.

Lo

an

s/O

thers

)

To

talL

oan

Ou

tsta

nd

ing

(7+

8)

Lo

an

sO

uts

tan

din

gas

on

31

Marc

h2019


TABLE 3 - BORROWINGS OUTSTANDING - DURING THE YEAR ( in Lakhs)`

1 2 3 4 5 6 7 8

1. Gujarat 11329.52 0.38 100.09 0.00 11429.99 6911.63

2. Haryana 33868.23 3441.13 98522.00 0.00 135831.36 157359.64

3. Himachal Pradesh 23446.04 610.06 23.70 147.28 24227.08 27716.86

4. Jammu & Kashmir 0.00 279.28 336.72 0.00 616.00 641.00

5. Karnataka 119253.37 2005.62 5288.87 0.00 126547.86 141693.40

6. Kerala 583290.93 179.96 179.96 12682.33 596333.18 622408.42

7. Pondicherry $ 0.00 0.00 0.00 451.89 451.89 385.70

8. Punjab 136620.90 128.39 7.31 43600.00 180356.60 204885.56

9. Rajasthan 88067.73 1228.80 1228.81 6149.35 96674.69 113791.84

10. Tamil Nadu 0.00 0.00 6389.87 34.62 6424.49 6396.77

11. Tripura NR NR NR NR NR 2003.34

12. Uttar Pradesh 61592.84 109.28 109.28 9065.14 70876.54 113548.52

13. West Bengal 93946.69 1.79 1.78 0.00 93950.26 89367.46

Note: $ Outstanding position upto January 2020.

TOTAL [1 to 13] 1151416.25 7984.69 112188.39 72130.61 1343719.94 1487110.14

Name of SCARDBNABARD

Borrowings Outstanding as on 31 March 2020

State Govt.Others (NCDC/NHB/ SCB etc.)

As on31/03/2019

CentralGovt.

Grand TotalSr.No.

As on31/03/2020(3+4+5+6)

- 40 -


TABLE 2 - BORROWINGS DURING THE YEAR ( in Lakhs)`

1 2 3 4 5 6 7 8

1. Gujarat 10000.00 0.00 0.00 0.00 10000.00 0.00

2. Haryana 0.00 0.00 10000.00 0.00 10000.00 20000.00

3. Himachal Pradesh 3851.60 0.00 0.00 0.00 3851.60 6830.60

4. Jammu & Kashmir 0.00 0.00 0.00 0.00 0.00 0.00

5. Karnataka 16909.00 0.00 1000.00 0.00 17909.00 29094.83

6. Kerala 135000.00 0.00 0.00 116720.00 251720.00 192555.00

7. Pondicherry NR NR NR NR NR -148.96

8. Punjab 3564.00 0.00 0.00 46900.00 50464.00 33102.14

9. Rajasthan 11420.00 0.00 0.00 17670.37 29090.37 32423.55

10. Tamil Nadu 0.00 0.00 0.00 27.72 27.72 4.20

11. Tripura NR NR NR NR NR 0.00

12. Uttar Pradesh 7012.00 0.00 0.00 700.00 7712.00 12459.93

13. West Bengal 27000.00 0.00 0.00 0.00 27000.00 25000.00

TOTAL [1 to 13] 214756.00 0.00 11000.00 182018.09 407774.09 351321.29

Note: NR - Not Reported.

Name of SCARDBNABARD

Raised During 2019-20

State Govt.Others (NCDC/NHB/ SCB etc.)

2019-20(3+4+5+6) 2018-19

CentralGovt.

Grand TotalSr.No.

- 41 -


TABLE 4 - DEPOSIT MOBILIZATION ( in Lakhs)`

Name of SCARDB31.03.2019 31.03.2018

Deposit Outstanding as at the end ofSr.No.

1. Gujarat 27041.55 26711.79

2. Haryana 10.33 538.97

3. Himachal Pradesh 9934.52 10375.29

4. Jammu & Kashmir 16645.93 18033.67

5. Karnataka 31110.12 34885.26

6. Kerala 47978.40 40963.75

7. Pondicherry $ 2989.27 3289.61

8. Punjab 23518.03 25485.80

9. Rajasthan 1242.15 579.70

10. Tamil Nadu 23249.09 24130.55

11. Uttar Pradesh 5474.32 5161.62

12 West Bengal 22198.50 22764.85

TOTAL [1 to 12] 211392.21 212920.86

Note: $ Outstanding position upto January 2020.

31.03.2020 31.03.2019 31.03.2020

Profit / Loss as on

31.03.2019

1. Gujarat 2101.51 2525.00 0.00 0.00

2. Haryana (7638.23) 6392.30 45426.53 39034.23

3. Himachal Pradesh 22.80 (185.41) 0.00 35.18

4. Jammu & Kashmir (7993.97) (9602.86) NR NR

5. Karnataka * 75.67 75.67 0.00 0.00

6. Kerala 2565.50 2780.50 0.00 0.00

7. Pondicherry * (50.64) (50.64) 434.50 434.50

8. Punjab 120.49 227.34 0.00 0.00

9. Rajasthan 4420.46 2992.90 0.00 0.00

10. Tamil Nadu 2762.39 30.77 0.00 0.00

11. Tripura * (301.26) (301.26) 1946.64 1946.64

12. Uttar Pradesh * (8451.00) (8451.00) 10955.26 10955.26

13. West Bengal 322.93 357.70 1044.13 865.92

Note:- (1) Figures in brackets indicate loss.

(2) * Position as on 31.03.2019 is considered for review.

(3) NR - Not Reported.

TABLE 5 - PROFIT / LOSS (AT APEX BANK LEVEL) ( in Lakhs)`

Name of SCARDBAccumulated Loss as on

Sr.No.

TA

BL

E6

-N

ON

-PE

RF

OR

MIN

GA

SS

ET

S(N

PA

)

To

talL

oan

sO

uts

tan

din

gTo

talN

PA

sN

PA

as

%o

fL

oan

sO

uts

tan

din

g

As

on

31

Marc

h2020

(in

Lak

hs)

`

Sr.

No

.N

am

eo

fS

CA

RD

BTo

talL

oan

Ou

tsta

nd

ing

To

talN

PA

sN

PA

as

%o

fL

oa

ns

Ou

tsta

nd

ing

As

on

31

Marc

h2019

1.

Guja

rat

58196.2

032252.6

855.4

256000.5

631582.7

256.4

0

2.

Hary

ana

19311

8.0

51611

55.7

983.4

5187944.1

6152321.3

181.0

5

3.

Him

achal P

radesh

45388.8

211

575.3

125.5

044091.6

813663.0

930.9

9

4.

Jam

mu &

Kashm

ir5788.4

31559.0

726.9

35766.4

91598.3

627.7

2

5.

Karn

ata

ka

178253.0

252257.5

929.3

2177906.2

157693.7

532.4

3

6.

Kera

la665853.7

714918.7

92.2

4711

836.6

341346.4

05.8

1

7.

Pondic

herr

y *

3188.8

470.6

52.2

23188.8

470.6

52.2

2

8.

Punja

b253854.6

143423.3

117.1

1227362.6

862882.7

727.6

6

9.

Raja

sth

an

157159.7

069713.5

044.3

6147638.6

575488.2

651.1

3

10.

Tam

il N

adu *

73647.6

011

517.6

115.6

473647.6

011

517.6

115.6

4

11.

Tripura

*1322.5

811

90.3

290.0

01322.5

811

90.3

290.0

0

12.

Uttar

Pra

desh *

272480.1

4120736.5

744.3

1272480.1

4120736.5

744.3

1

13.

West B

engal

114462.6

327316.7

723.8

7124690.5

529906.2

323.9

8

TO

TA

L[1

to13]

2022714.3

9547687.9

627.0

82033876.7

7599998.0

429.5

0

Note

:- *

Positio

n a

s o

n 3

1.0

3.2

019 is c

onsid

ere

d for

revie

w.

- 42 -


- 43 -


TA

BL

E7

-D

EM

AN

D,C

OL

LE

CT

ION

,B

AL

AN

CE

PO

SIT

ION

Sr.

No

.N

ame

of

SC

AR

DB

Dem

and

Dem

and

Co

llect

ion

Co

llect

ion

Bal

ance

Bal

ance

Rec

ove

ry(%

)R

eco

very

(%)

Rec

ove

ry(%

)as

on

31.0

3.20

19

Rec

ove

ry(%

)as

on

31.0

3.20

19

At

Ap

exB

ank

Lev

elas

on

31M

arch

2020

At

Ult

imat

eB

orr

ow

ers'

Lev

elas

on

31M

arch

2020

(in

Lak

hs)

`

1.G

ujar

at61

339.

0021

249.

4340

089.

5734

.64

32.6

561

339.

0021

249.

4340

089.

5734

.64

32.6

5

2.H

arya

na18

1220

.53

2416

1.50

1570

59.0

313

.33

6.67

2070

58.2

243

744.

9616

3313

.26

21.1

35.

58

3.H

imac

hal P

rade

sh15

342.

8848

49.0

710

493.

8131

.60

31.8

716

664.

6461

70.8

310

493.

8137

.03

37.0

0

4.Ja

mm

u&

Kas

hmir

@32

10.6

112

38.3

919

72.2

238

.30

45.6

632

10.6

112

38.3

919

72.2

238

.30

45.6

6

5.K

arna

taka

1364

19.5

735

304.

8110

1114

.76

25.8

822

.24

9997

5.77

4001

2.23

5996

3.54

40.0

230

.69

6.K

eral

a20

3073

.14

1787

57.6

224

315.

5288

.03

95.3

628

8075

.88

1574

17.1

713

0658

.71

54.6

464

.36

7.P

ondi

cher

ry@

2925

.19

2707

.36

217.

8392

.55

93.9

029

25.1

927

07.3

621

7.83

92.5

593

.90

8.P

unja

b10

1497

.12

2999

3.06

7150

4.06

29.5

531

.00

2113

15.3

630

650.

4518

0664

.91

14.5

017

.88

9.R

ajas

than

@11

3380

.40

3534

5.33

7803

5.07

31.1

725

.89

1239

63.6

841

984.

9581

978.

7333

.87

30.1

1

10.

Tam

ilN

adu

9061

6.22

7817

0.02

1244

6.20

86.2

685

.65

1287

74.1

212

0083

.49

8690

.63

93.2

590

.98

11.

Trip

ura

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

12.

Utta

rP

rade

sh21

7919

.31

6250

5.34

1554

13.9

728

.68

19.1

621

7919

.31

6250

5.34

1554

13.9

728

.68

19.1

6

13.

Wes

t Ben

gal

6288

1.47

2613

6.91

3674

4.56

41.5

740

.38

8614

0.17

3072

4.25

5541

5.92

35.6

739

.98

TO

TAL

[1to

13]

1189

825.

4450

0418

.84

6894

06.6

042

.06

40.7

014

4736

1.95

5584

88.8

588

8873

.10

38.5

936

.37

No

te:-

(1)

NR

-N

otR

epor

ted.

(2)

@30

.06.

2019

Pos

ition

cons

ider

edfo

rre

view

.

- 44 -


1.G

ujar

at18

118

1N

AN

AN

AN

A42

641

3710

075

7273

97N

oN

oN

AN

A32

332

0N

AN

A

2.H

arya

na0

019

1971

7173

2190

7307

3110

9419

1004

94N

oN

o0

1962

6879

274

3

3.H

imac

hal P

rade

sh51

511

130

3093

473

9386

039

856

3922

1Ye

sYe

s1

116

917

052

50

4.Ja

mm

u&

Kas

hmir

5151

NA

NA

NA

NA

9779

998

301

7818

378

485

No

No

NA

NA

239

225

NA

NA

5.K

arna

taka

2525

178

178

NA

NA

1110

407

1155

963

6148

9965

9874

Yes

Yes

176

176

306

281

562

519

6.K

eral

a*

1414

7575

162

162

1314

692

1314

692

6952

9069

5290

Yes

Yes

7373

203

177

1238

1238

7.P

ondi

cher

ry*

11

NA

NA

NA

NA

5142

5142

3802

3802

No

No

NA

NA

3030

NA

NA

8.P

unja

b0

089

890

083

2754

8330

7799

760

8134

5Ye

sYe

s79

7722

719

264

763

2

9.R

ajas

than

77

3636

125

124

1227

930

1227

930

7429

1874

2918

No

No

1312

6958

329

271

10.

Tam

ilN

adu

00

180

180

00

1358

533

1358

533

1799

9020

2153

Yes

Yes

180

180

104

9345

745

5

11.

Trip

ura

*5

5N

AN

AN

AN

A22

573

2257

327

4227

42Ye

sYe

sN

AN

A27

27N

AN

A

12.

Utta

rP

rade

sh32

332

3N

AN

AN

AN

A29

8434

229

4221

527

5774

128

0010

6Ye

sYe

sN

AN

A29

4028

55N

AN

A

13.

Wes

t Ben

gal

22

2424

7373

3820

3042

4228

2210

4324

2142

No

No

2121

8080

581

585

TO

TAL

[1to

13]

660

660

602

602

461

460

1020

4506

1024

4345

5553

215

5655

969

--

543

559

4779

4576

4658

4493

Not

e:-

(1)

NA

-N

otA

pplic

able

.(2

)*P

ositi

onas

on31

.03.

2019

isco

nsid

ered

for

revi

ew.

Bo

rro

win

gM

emb

ers

Whe

ther

SCAR

DBha

sel

ecte

dBo

ard

(Yes

/No)

Num

ber o

fPC

ARDB

sha

ving

elec

ted

Boar

ds

Sta

ffo

fS

CA

RD

Bs

(Nu

mb

er)

Sta

ffo

fP

CA

RD

Bs

(Nu

mb

er)

Sr.

No

.N

ame

of

SC

AR

DB

Num

ber o

f Bra

nche

s(U

nita

ry/ M

ixed

Stru

ctur

es)

No.

ofP

CA

RD

Bs

(Fed

eral

/ Mix

edS

truc

ture

s)

No.

ofB

ranc

hes

ofPC

AR

DB

s(F

eder

alSt

ruct

ure)

Tota

l Mem

ber

ship

(Bo

rro

win

gs

+N

on

-Bo

rro

win

gs)

31.3

.201

931

.3.2

019

31.3

.201

931

.3.2

019

31.3

.202

031

.3.2

020

31.3

.202

031

.3.2

020

TA

BL

E8

-N

ET

WO

RK

,M

EM

BE

RS

HIP

,E

LE

CT

ED

BO

AR

D&

STA

FF

(SC

AR

DB

s)

(Num

ber)

31.3

.202

031

.3.2

019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019


Inau

gu

rati

on

of

Nati

on

al C

on

fere

nce o

fA

RD

Bs-2

019 w

ith

Lig

htn

ing

of

Lam

p b

yS

hri

Pars

ho

ttam

Ru

pala

,M

oS

fo

rA

gri

cu

ltu

re a

nd

Farm

ers

Welf

are

on

21st

No

vem

ber

2019,N

ew

Delh

i


Inaugural Address by Shri Parshottam Rupala, MoS for Agriculture and Farmers Welfare atthe National Conference of ARDBs-2019 at New Delhi on 21st November 2019.

Welcome address by Shri K. Sivadasan Nair, Chairman, NCARDBF at the inaugural session ofNational Conference of ARDBs-2019 on 21st November 2019, New Delhi.


159 Meeting of the Board of Management and Workshop on Revival Road Map on LTCCS,18th January, 2020 at Hyderabad

th

Discussion on Cooperative Banking in India on the sidelines of ICA Global Assemblyin Kigali, Rwanda, 15th Oct 2019

Shri K. K. Ravindran, MD, NCARDBF, addressing National Women's Cooperative Workshopin Ahmedabad jointly organised by SEWA & ICA Asia Pacific - 8th August, 2019.

Meeting with Shri Parshottam Rupala, MoS for Agriculture and Farmers’ Welfareand Panchayati Raj on 12th March, 2020


Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h…®…Ω˛…∫…ΔP… ®…™……« n˘i…

¥…EÚ…∫… §…ÈC∫…

lkBoha

Okkf"kZd fjiksVZ

2019-20

LFkku& Zfnukad &

uoh eqEcb30 flrEcj] 2020

,rn~}kjk ;g lwfpr fd;k tkrk gS fd o’kZ 2019&20 dh jk’Vªh; lgdkjh d`f’k ,oa xzkeh.k fodkl cSaDal QsMjs”ku fy dhokf’kZd lkekU; fusdk; dh cSBd “kfuokj dks ls fuEukafdr O;olk; izcU/ku gsrq vkgwrdh xbZ gS %&

1- fnukad 10 twu 2019 dks eqEcbZ esa lEiUu QsMjs”ku dh okf’kZd lkekU; fudk; dh cSBd dh dk;Zokgh dh iqf’Vdjus]

2- o’kZ 2019&20 ds ys[kkijhf{kr [kkrksa ds fooj.k i=ksa ij fopkjA

3- o’kZ 2019&20 ds vf/k”ks’k dk fuiVkuA

4- 31-03-2020 dks lekIr gq,s o’kZ ds lEizs{k.k izfrosnu ij fopkjA

5- o’kZ 2019&20 dh lEizs{k.k vuqikyu vk[;k ij fopkjA

6- Ok’kZ 2019&20 ds okf’kZd izfrosnu ij fopkjA

7- Ok’kZ 2020&21 ds fy;s lEizs{kdksa dh fu;qfDr rFkk lEizs{kk “kqYd fu/kkZfjr djus ij fopkjA

8- Ok’kZ 2021&22 ds fy;s okf’kZd ctV ij fopkjA

dksf M 19 egkekjh ls mRiUu ekStwnk fLFkfr ds dkj.k ns”k ds fofHkUu Hkkxksa esa jg jgs izfrfuf/k;ksa dh HkkSfrd :i lsmifLFkr gks ikus dh vleFkZrk dks ns[krs gq, cSBd dk vk;kstu vkHkklh Lo:i ¼opqZvy eksM½ esa fd;k tk,xkA cSBd esaHkkx ysus gsrq ladsr “kCn ¼ikloMZ½ rFkk lEcfU/kr lwpuk ls ;Fkkle; lwfpr dj fn;k tk,xkA

ifj.kkenk;h fopkj foe”kZ dks lqfo/kktud cukus ds fy, dEI;Vªhd`r esy ls Hksth tk jgs ,ts.Mk rFkk vU; vfHkys[kksadh dkxt+h izfr ¼gkMZ dkih½ vfxe :i ls miyC/k djk nh tk,xhA

cgqjkT;h; lgdkjh lfefr vf/kfu;e 2002 ds izko/kkuksa rFkk QsMjs”ku dh mifof/k;ksa ds vuqlkj lkekU; lHkk esaQsMjs”ku dk izR;sd lnL; cSada dk ,d izfrfuf/k] tks ;k rks lEcfU/kr lnL; cSad ds funs”kd e.My ds izLrko] vFkokiz”kkld }kjk] tgka funs”kd e.My ugha gS] ftl uke ls Hkh dgk x;k gks] ukfer v/;{k@lHkkifr vFkok eq[;dk;Zdkjh] vf/kdkjh gksxkA rnuqlkj] lnL; cSadksa dks ;g ijke”kZ fn;k tkrk gS fd og QsMsj”ku dks] lkekU; lHkk dsfy;s vius vius izfrfuf/k dk uke] funs”kd e.My ds izLrko ds lkFk lkekU; lHkk dh cSBd ls U;wure 10 fnu igyslwfpr djus dk d’V djsaA

QsMjs”ku ds funs”kd e.My dh vkKk ls

26 vDVwcj 2020 izkr% 11-00

o

gLrk{kfjr@&

izcU/k funs'kd

¼ds-ds-jfoUnªu½

Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h… ¥…EÚ…∫… ®…Ω˛…∫…ΔP… ®…™……« n˘i…§…ÈC∫…¥……Ãπ…EÚ ∫……®……x™… x…EÚ…™… §…Ë`ˆEÚ

lwpuk

60dr¨dm{f©H [anmoQ ©2019-2020

2019&20 ds vkfFkZd losZ{k.k esa 2018&19 esa 6-8 izfr”kr dh o`f)

ds lkis{k o’kZ 2019&20 ds fy;s ldy ?kjsyw mRikn dh o`f) nj]

5 izfr”kr izkDdfyr dh xbZ] 2020&21 es ftldh o`f) nj]

6 izfr”kr ls 6-5 Qhlnh ds ifjf/k esa iz{ksfir dh xbZ gS o`f) nj esa

deh ds fy;s miHkksx ,oa fuos”k esa fxjkoV gh mÙkjnk;h jgsA

loZs{k.k us ;g Hkh ik;k fd o’kZ 2019 oSf”od :i ls o’kZ 2009 esa

foÙkh; ladV ds ckn ls 2-9 izfr”kr ds lokZf/kd U;wure xfr ls

mRiknu esa o`f) okyk vR;Ur d’Vnk;h o’kZ jgkA {kh.k oSf”od

ifjos”k dk izHkko Hkkjrh; vFkZO;oLFkk ij Hkh iM+kA vizSy 2019 ls

fnlEcj 2019 ¼foÙkh; o’kZ 2019&20 dh izkjfEHkd rhu frekfg;ksa½

dh xfrfof/k;ksa ij vk/kkfjr vkfFkZd losZ{k.k 2019&20 ds izeq[k

va”k fuEuor gSa %&

Fkksd ewY; lwpdkad ¼MCywihvkbZ½ vk/kkfjr eqnzkLQhr

2018&19 esa 4-3 izfr”kr ls fxjdj 2019&20 esa 1-5 izfr”kr

ds U;wure Lrj ij vk xbZA

Pkkyw [kkrk ?kkVk ldy ?kjsyw mRikn ds 2-1 izfr”kr ls

fxjdj 1-5 izfr”kr ij igqap x;kA

jktdks’kh; ?kkVs us y{; ls 20 izfr”kr dh mNky ekjhA

d`f’k esa ldy vpy i¡wth fofuekZ.k 2013&14 dk ;ksftr

ldy ewY; 17-7 izfr”kr ls ?kVdj 2017&18 esa ;ksftr

ldy ewY; 15-2 izfr”kr ds fupys Lrj ij vk x;kA

d`f’k o`f) esa vfLFkjrk 2002&2014 ls 2015 esa &0-02

izfr”kr ls 2016&17 esa 6-3 izfr”kr fujUrj cuh jgh vkSj

iqu% ;s 2019&20 esa 2-8 izfr”kr ds fupys Lrj ij vk xbZA

;ksftr ldy ewY; esa d`f’k dk ;ksxnku o’kZ 2014&15 ds

18-2 izfr”kr ls fxj dj Ok’kZ 2019&20 esa 16-5 izfr”kr ij vk

x;kA

_.k rd igqap] chek O;kfIr rFkk d`f’k esa fuos”k] fdlkuksa dh

vk; dks nqxuk djus ds fy;s /;kukd’kZ.k ds vHkh Hkh izeq[k

eqn~ns gSaA

vkS|ksfxd {ks= dh o`f) 2018&19 esa 6-9 izfr”kr ds lkis{k

2019&20 esa ?kVdj 2-5 izfr”kr gks xbZ gSA

;ksftr ldy ewY; esa vkS|ksfxd {ks= dh Hkkxhnkjh vHkh Hkh

29-6 izfr”kr gSA

o’kZ 2019&20 esa ;ksftr ldy ewY; ds 53-3 izfr”kr dh

Hkkxhnkjh lsok {ks= dh gSA bl {ks= us 2018&19 esa 7-5

izfr”kr ds lkis{k o’kZ 2019&20 esa 6-9 izfr”kr dh o`f)

vafdr dh gSA

vFkZO;oLFkk ds Lo:i dks ns[krs gq;s cSafdx {ks= vHkh Hkh

vlaxr :i ls vYifodflr gSaA fo”o ds mRd`’V 100 cSadksa esa

Hkkjr dk dsoy ,d cSad vkrk gSA lkoZtfud {ks= ds cSad

cktkj ds 70 izfr”kr va”k/kkjd gS fdUrq futh cSadksa dh

rqyuk esa vusd xfrfof/k ekin.Mksa esa os v{ke gSaA

vis{kkd`r vf/kd dk;Zdq”ky ,oa ykHkdkjh cukus ds lkFk

lkoZtfud {ks= ds egRokdka{kh vifuos”k dh ljdkj dh

;kstuk gSA

vUrjkZ’Vªh; eqnzdks’k ds vkadyu ds vuqlkj oSf”od egkekjh

dksfoM 19 rFkk O;kid eUnh ftlus iwjs fo”o dh vkfFkZd

xfrfof/k;ksa dks ckf/kr dj fn;k gS] ds dkj.k oSf”od vFkZO;oLFkk

fud`’Vre eUnh dh vksj vxzlj gSA o’kZ 2020&21 esa oSf”od ldy

?kjsyw mRikn ¼thMhih½ dh dqy gkfu 90 [kjc vejhdh Mkyj

vuqekfur dh xbZ gS tks o’kZ 2019 esa vf[ky fo”o ds ldy ?kjsyw

mRikn dk yxHkx nl izfr”kr gSA 2019&20 esa Hkkjr ds ldy

?kjsyw mRikn dh o`f) nj tks igys 5 izfr”kr vuqekfur dh xbZ Fkh]

ekpZ 2020 esa vkjEHk gqbZ ck/kkvksa ds dkj.k U;wure 1 ls 2 izfr”kr

de djds fn[kkbs tk jgh gSA ,d vkssj 2020 esa tc fo”o dh vFkZ

O;oLFkk;sa 5 ls 10 izfr”kr udkjkRed o`f) dh vksj c<+ jgha gSa]

Hkkjr mu eqVBh Hkj ns”kksa esa ,d ns”k gS tks uke ek= ds 2 izfr”kr ls

de dh nj ij gh lgh ij vHkh Hkh viuh ldkjkRed o`f) dks

cuk;as gq;s gSA vUrjkZ’Vhª; eqnzkdks’k oSf”od ldy ?kjsyw mRikn dh

9 izfr”kr dh o`f) nj ij Å/oZeq[kh cgkyh ds lkFk fot;heqnzk esa

Hkkjrh; vFkZO;oLFkk ls o’kZ 2021&22 es 7-4 izfr”kr dh visf{kr

o`f) nja iz{ksfir dj jgk gSA dksfoM 19 ds okLrfod izHkko us vFkZ

O;OkLFkk esa vusd {ks=ksa esa xfr dks /khek dj fn;k gS vkSj vHkh Hkh ;g

xfrghurk cuh jgsxh blds ckjs esa dqN Hkh dgk ugha tk ldrkA

�

�

�

�

�

�

�

�

�

�

�

�

dksfoM 19 izHkko

- 1 -

60dr¨dm{f©H [anmoQ ©2019-2020

vkfFkZd ifjn`';

jkstxkj ,oa ldy ?kjsyw mRikn nksuksa gh esa ;ksxnku ds ifjizs{; esa

d`f’k ,d vR;Ur izeq[k {ks= gSA d`f’k 48 izfr”kr xzkeh.k ifjokjksa dh

vkthfodk dk izeq[k lk/ku gSA lalk/ku fuos”k ds fy;s mUur igqap

;Fkk moZjd vkSj cht] blds lkFk gh csgrj flpkbZ ,oa _.k

lqfo/kkvksa us gky gh ds o’kksZa esa mPprj vkSlr okf’kZd o`f) nj esa

viuk ;ksxnku fn;kA 2014&15 ls 2018&19 rd vkSlr okf’kZd

o`f) dqN o’kksaZ esa vfLFkjrk ds ckotwn nj 2-88 izfr”kr ds vklikl

gh jghA

Qly o’kZ 2018&19 ds nkSjku [kk|kUu mRiknu 283-37 fefy;u

Vu vuqekfur Fkk rFkk o’kZ 2019&20 esa bls 291-1 fefy;u Vu

iz{ksfir fd;k x;kA foÙkh; o’kZ 2018 esa nqX/k mRiknu 176-3

fefy;u Vu tc fd ekal mRiknu 7-4 fefy;u Vu vuqekfur

fd;k x;k FkkA Hkkjr o’kZ 2018&19 esa 313-9 fefy;u esfVªd Vu ds

lokZf/kd Qy vkS|fud mRiknu ds dhfrZeku ds lkFk fo”o dk

nwljk lokZf/kd Qy mRiknd ns”k gSA

d`f’k {ks= dks vf/kdka”kr% fodkl”khy tula[;k] “kgjhdj.k rFkk

cnyrs ekax ds Lo:i dss dkj.k vukt mRiknu ls nkyksa] Qyksa

lfCt;ksa vkSj i”kq/ku mRikn tSls vusd lkFkZd fofo/khd`r mRiknu

izfdz;k ls xqtjuk iM+k gSA Hkkjr tula[;k ds vYiiksf’kr vuqikr

tks 1990&91 esa 24 izfr”kr Fkh] ls 2019&20 rd 14 izfr”kr gks

xbZ] dh mYys[kuh; fxjkoV dks Hkh ik ldkA ns”k izeq[k oLrqvkasa ds

fu;kZrd ds :i esa mHkj dj vk;k gS] orZeku esa oSf”od :Ik ls

lokZf/kd pkoy rFkk nwljk lokZf/kd dikl dk fu;kZrdA Hkkjr dk

dqy d`f’k fu;kZr o’kZ 2019 esa foxr o’kksZ ls vf/kd pdzh; okf’kZd

nj 16-45 izfr”kr ij c<+k tks 38-54 vjc vejhdh Mkyj ij igqap

x;k gSA Hkkjr elkyksa rFkk elkyksa ls fufeZr inkFkksZa dk lcls cM+k

mRiknd] miHkksDrk rFkk fu;kZrd gSA

rFkkfi Hkkjr dk d`f’k {ks= tks ns”k dh 42 izfr”kr Je “kfDr dks

jkstxkj iznku dj jgh gS] vFkZO;oLFkk esa ek= yxHkx 14 izfr”kr

dk ;ksxnku j[krh gSA

;ksftr ldy ewY; ¼thoh,½ ¼2011&12 ds ewY;ksa ij½ esa d`f’k]

okfudh rFkk eRL; ikyu dk ;ksxnku esa 2015&16 esa 15-4 izfr”kr

ls 2018 &19 esa 14-4 izfr”kr dh vkaf”kd fxjkoV vkbZ gSA d`f’k

mRiknu ,d o’kZ ls nwljs o’kZ esa vR;f/kd vfLFkj@ifjorhZ gS

D;ksafd Hkkjr dh 55 izfr”kr d`f’k ;ksX; Hkwfe o’kkZ iksf’kr gS tgka

Qlyksa dk mRiknu ekulwu esa gqbZ o’kkZ dh ek=k ij fuHkZj djrk gSA

fujUrj ?kVrh vkSlr tksr lhek ds lkFk NksVh tksr lhek okys

fdlkuksa dh cgqyrk] d`f’k {ks= ds ldy iwath fuekZ.k dh nj esa

fxjkoV] fuEu mRikndrk] tyok;q ifjorZu] izkd`frd lalk/kuksa

;Fkk ty] vfodflr [kk| izlaLdj.k rFkk [kqnjk {ks+=] foi.ku esa

yxkrkj c<+rh ck/kkvksa ds ifj.kkeLo:i miHkksDrk }kjk fn;s x;s

ewY; rFkk vftZr ykHk esa cgqr vf/kd vUrj gksuk d`f’k {ks= ds

lUeq[k dqN izeq[k pqukSfr;ka gSaA

Hkkjr esa d`f’k uhfr;ksa fu/kkZj.k ,oa mudk fdz;kUo;u dsUnz ,oa jkT;

ljdkj ds fefJr laLFkkxr iz.kkyh }kjk lkoZtfud midze ;Fkk

Hkkjrh; fjt+oZ cSad] ukckMZ vkfn ds ek/;e ls fd;k tkrk gSA

laoS/kkfud :i ls d`f’k jkT; dk fo’k; gS fdUrq dsUnz ljdkj

jk’Vªh; Lrj ij uhfr fu/kkZfj.k rFkk jkT; ljdkjksaa dks bl izdkj

dh uhfr;ksa ds fdz;kUo;u o dk;Zdzeksa ds fy;s foÙk iks’k.k esa

egRoiw.kZ Hkwfedk fuHkkrh gSA [kk| lqj{kk dk y{; izkfIr ds mijkUr

fo’k; mRikndksa dks ykHkdkjh ewY; fnykus rFkk xq.koÙkk rFkk ewY;

ogu djus dh {kerk dh n`f’V ls miHkksDrkvksa ds fgrksa dks /;ku

fn;s tkus dh fn”kk esa ifjofrZr gks x;kA

Hkkjr ljdkj ds vkfFkZd losZ{k.k 2020 esa lhekafdr d`f’k ds fy,

fodkl uhfr NksVs tksr /kkjdksa dks vf/kdre mRikndrk ds lkFk

mRd`’V ykHk vtZu ds y{; dh izkIr ds }kjk laoguh; thfodk

iznku djus rFkk xjhch mUewyu dks izksRlkfgr djus dks

loZizkFkfedrk iznku djrh gSA d`f’k mRikndrk vUrrksxRok d`f’k

Hkwfe ij fuos”k tSls fd moZjd] flapkbZ ds lk/ku dh miyC/krk]

izkS|ksfxdh] Qly dh xgurk rFkk Qly ds pquko ij fuHkZj djrh

gSA bu lalk/kuksa ds mi;ksx esa n{krk mRikndrk fu/kkZj.k esa izeq[k

dkjd gSA lalk/ku mi;ksx n{krk esa fuEukfadr igyw lfEefyr

gSa%&

flapkbZ esa mUur iz.kkyh rFkk flapkbZ rduhd dks viukdj

d`f’k esa fVdkÅ ty lalk/ku mi;ksx( ty izcU/ku igy tSls

ty foHkktu izcU/ku] Vid flapkbZ rFkk ty mi;ksxdÙkkZ

laxBu d`f’k {ks= dks l”kDr cuku esa vge Hkwfedk fuoZgu

dj ldrs gSa]A ty dh vYirk ij fopkj dj ty laj{k.k

djus ds fy;s ltx jguk vkSj ml ij dk;Z djus rd

mi;ksxdÙkkZ dh vko”;drk ij la;eA fdlkuksa dks izsfjrwww

i)

- 2 -

—f"k 2019&20

60dr¨dm{f©H [anmoQ ©2019-2020

fd;k tk;s rFkk muds }kjk U;k;ksfpr <ax ls ty ds mi;ksx

fd;s tkus ij mUgsa izksRlkgu jkf”k nh tk;A ljdkjh

vfHkdj.kksa dks Hkh d`f’k dk;ksZ esa ty mi;ksx ds ekun.Mksa ds

fu/kkZj.k rFkk fdz;kUo;u ds fy;s mUgsa vf/kd`r fd;s tkus dh

vko”;drk gSA chek ds dk;Z {ks= dks c<+k dj] izHkkoh nkos

dk izcU/ku] ekSleh vkiwfrdh vf/kdrk ds nkSjku ihM+knk;d

foØ; d`f’k inkFkksZs dh vfr vkiwfrZ ls fdlkuksa dks cpkus ds

fy;s ljdkjh vfHkdj.kksa }kjk izHkkoh foi.ku e/;Lrrk dj]

fdlkuksa dh gkfu;ksa dk tksf[ke laj{k.k fd;k tkuk dqN vU;

mik; gS ftlls ewY; vkSJs vk; dks fLFkj fd;k tk ldrk

gSA ljdkjh fudk;] futh izfr’Bku rFkk fodkl”khy d`f’k

miØe ,d lkFk fey dj d`f’k {ks= ds n`f’Vdks.k dks cny

ldrs gSaA

moZjdksa ,oa dhVuk”kdksa ds mIk;ksx esa ferO;f;rk &

moZjdksa dk ewY; d`f’k mRikn dh dqy Qly dh ykxr dk

izeq[k fgLlk gksrk gSA izfr gsDVs;j moZjd mi;ksx esa ns[kh

tk jgh 2011 rd /kheh o`f) mlds ckn uhps fxjuk “kq: gks

xbZA vkadM+s Hkh moZjd mi;ksx vkSlr ds fxjrs #>ku vFkok

d`f’k Hkwfe dh mRikndrk ij moZjdksa ds izHkko dks Hkh n”kkZrs

gSaA ;g fdlkuksa dh e`nk fof”k’Vrk rFkk fof”k’V Qly dh

visf{kr ekax ij vk/kkfjr Qly moZjd dh mfpr ek=k]

mfpr lfEeJ.k rFkk mi;ksx dh mfpr i)fr dh tkudkjh

u gksus ds dkj.k gksrk gSA e`nk LokLF; vuqdwy b’Vre ek=k]

uhe foysfir ;wfj;k dks c<+kok] lw{e iks’kdksa dks izksRlkgu]

tSfod moZjdksa rFkk ikuh esa ?kqyu”khy moZjdksa ds izksRlkgu

ds lq>ko moZjd mi;ksx vuqikr c<+kus ds fy;s fn;s x;sA

tSfod d`f"k esa la/kkj.kh;rk c<+kus ds fy;s tSfod ,oa

LokHkkfod [ksrhA us'kuy fe'ku Qkj lLVsuscy ,xzhdYpj

¼,u,e,l,½ dk y{; LFkku fo'ks’k ds vuqdwy lèku d`f"k

iz.kkyh ftlesa mi;qDr e`nk rFkk ueh laj{k.k rduhd

lfEefyr gS] ds }kjk d`f"k dks vis{kkd`r vf/kdkf/kd

mRiknd ,oa la/kkj.kh; cukuk gSA ljdkj us ijEijkxr d`f"k

fodkl ;kstuk ¼ihdsohok;½ rFkk jk"Vªh; d`f"k fodkl ;kstuk

dks vusd tSfod d`f"k ekWMy tSls t+hjks ctV us'kuy QkfeZax

¼t+sMch,u,Q½ dks izksRlkfgr djus ds fy;s izkjEHk dh gSaA

jk;k;fud moZjdksa rFkk dhVuk'kdksa ds mi;ksx dks lekIr

djuk rFkk LoLFk d`f"k iz.kkyh ds iz;ksx dks izksRlkgu]

t+sMch,u,Q ds izeq[k igyw gSaA jlk;u eqDr Qly ds fy;s

Ik;kZoj.k vuqdwy d`f"k dks izksRlkfgr djuk Hkh bldk y{;

gSA dqN jkT; tSls fd dukZVd] fgekapy izns”k vkSj vka/kz

izns”k tgka t+sMch,u,Q rsth ls yksdfiz; gksrk tk jgk gS] esa

mRikndrk esa lq/kkj ds lkFk d`f"k ykxr esa deh gksuk ik;k

x;k gSA

NksVs d`f"k tksr ds fy;s mi;qDr rduhd vaxhdkj fd;k

tkukA mPp rduhd vkSj e”khuksa dk mi;ksx NksVs d`f’k

tkrksa ds fy;s vkfFkZd :i ls lk/; ugha gSA Ik;kZoj.k ds

vuqdwy Lolapkfyr d`f’k ;a= ,oa midj.kksa dk mi;ksx tks

y?kq Lrjh; d`f’k dk;ksaZ rFkk mPp rduhd ds d`f’k ;a=ksa dks

NksVs vkSj e>ksys fdlkuksa ds fy;s ijEijkxr rkSj ij fdjk;s

ij lqyHk gks ldus okys d`’kd dsUnz dh LFkkiuk ij vf/kd

tksj fn;k tkuk pkfg;sA lwpuk ,oa izkS|ksfxdh] fo”ks’k:i ls

b.VjusV lfgr eksckby lqfo/kk dk xzkeh.k {ks= esa O;kid

izlkj gksus ls NksVs fdlkuksa dks ekSle vkSj d`f’k mRikn ds

ewY; tkuus esa cgqr vklkuh gqbZ gSA vkbZlhVh ¼lwpuk ,oa

lapkj rduhd½ Hkh cktkj ,oa foÙkh; lekos”ku rd igqpkus

esa lgk;rk dj jgk gSA

izlkj lsok;sa & d`f’k izlkj d`f’k mRikndrk] xzkeh.k

vkthfodk rFkk mPprj d`f’k iz.kkyh dks vkxs c<+kus esa eq[;

Hkwfedk fuoZgu djrk gSA v/;;u ls Kkr gksrk gS fd yxHkx

40 izfr”kr d`’kd ifjokj [ksrh lEcU/kh rduhdh lykg

vusd miyC/k ek/;eksa] mUur”khy d`’kd rFkk lekpkj

ek/;eksa ftuesa lekpkj i= Hkh lfEefyr gSa] ls izkIr djrs gSaA

Vh-oh- rFkk b.VjusV lokZf/kd mi;ksx fd;s tkus okys ek/;e

gSaA d`’kd ifjokjksa us ftUgksus lq>koksa dks vaxhdkj fd;k]

vf/kdka”k yksxksa us bls mi;ksxh ik;k ftlls izlkj lsokvksa

dk egRo izdV gksrk gSA d`f’k ,oa i”kq fpfdRlk foHkkxksa ls

izkIr lq>koksa dh Lohdk;Zrk vis{kkd`r vf/kd gS ftldks

vaxhdkj fd;s tkus dh izcy laHkkouk gSA

d`f’k _.k & le; ls feyk _.k d`f’k mRikndrk dks

lokZf/kd izHkkfor djrk gSA ;|fi foxr nl o’kkZsa esa d`f’k

lk[k esa izHkko”kkyh o`f) gqbZ gS] fQj Hkh cgqla[; d`’kd

vkSipkfjd lk[k iz.kkyh ls vHkh Hkh oafpr gSaA blds

vfrfjDr Hkkjr esa d`f’k lk[k dk {ks=h; forj.k cgqr

vlkekU; gSA d`f’k lk[k dk forj.k mÙkj&iwoZ] igkM+h rFkk

iwohZ jkT;ksa esa vlaxfr :i ls cgqr de gSA mÙkj&iwoZ jkT;ksa

dh vkSipkfjd lk[k O;oLFkk }kjk forfjr _.k easa Hkkxhnkjh

dqy d`f’k lk[k dk 1 izfr”kr ls de gSA Hkkjr ds mÙkj iwoZ

vkSj iwohZ jkT;ksa esa foÙkh; lekos”ku Hkh nf{k.k rFkk if”peh

ii)

iii)

iv)

v)

vi)

- 3 -

60dr¨dm{f©H [anmoQ ©2019-2020

jkT;ksa ds lkis{k cgqr de gS blls bl {ks= esa d`f’k lk[k ds

vis{kkd`r vf/kd forj.k dh vko”;drk Lor% ifjyf{kr gSA

lEc) {ks=] ftlesa i”kq/ku] eqxhZikyu] nqX/k ,oa eRL; ikyu

lfEefyr gSa] d`f’k dk izeq[k mi {ks= gSA Hkkjr esa yxHkx 300

fefy;u nq/kk# i”kq gSa ftuesa 65 fefy;u HksM+] 135 fefy;u

cdfj;ka] rFkk 10 fefy;u lqvj gSaA Hkkjr esa i”kq ikyu]

ftlesa Qly mRiknu vkSj i”kq ikyu&iks’k.k nksuksa gh

lfEefyr gSa] tks fuos”k vkSj izfrQy ds :i esa ,d nwljs ds

iwjd gSa] vf/kdka”kr% lexz d`f’k iz.kkyh ds fgLls ds :i esa

fd;k tkrk gSA

i”kq ikyu vkSj nqX/k fodkl & iwjs fo”o ds dqy nqX/k dk 20

izfr”kr nqX/k mRiknu dj Hkkjr fo”o dk lokZf/kd nqX/k mRiknd

ns”k gSA nqX/k mRiknu esa izfro’kZ 4-5 izfr”kr okf’kZd dh o`f) nj ls

o’kZ 1991&92 esa 55-6 fefy;u Vu ls 2017&18 rd 176-3

fefy;u Vu dh o`f) gqbZ gSA Hkkjr dh izfr O;fDr nw/k dh

miyC/krk 375 xzke izfrfnu gS tks vle esa 71 xzke ls iatkc esa

1120 xzke izfr O;fDr ds vkSlr varj ls ;|fi vyx vyx jkT;ksa

esa vyx vyx gSSA xzkeh.k {ks= esa dqy mRikfnr nqX/k dk 52 izfr”kr

fodzs; vf/k”ks’k gSA blesa ls ek= 50 izfr”kr ls de laxfBr {ks=

ftlesa nqX/k lgdkfjrk;as Hkh lfEefyr gSa] }kjk fu;af=r gSA

NksVs tqxkyh djus okyk eos”kh {ks= & HksM+ ,oa cdjh lkewfgd :i

ls NksVs eos”kh ¼tqxkyh djus okys½ tkus tkrs gSaA Hkkjr esa cdfj;ksa

dh la[;k fo”o dh 16-1 izfr”kr rFkk HksM+ksa dh 6-4 izfr”kr gSA i'kq

/ku dh dqy tula[;k 512-1 fefy;u esa HksM+ksa vkSj cdfj;ksa dh

la[;k 200 fefy;u gS tks ns”k ds dqy i'kq /ku tula[;k dk 39

izfr”kr gSA HksM+ vkSj cdjh dk ikyu iks’k.k lalk/ku foghu lkekU;

xjhc d`’kd ifjokjksa dk muds [kkyh ekSle esa U;wurk iwjd

egRoiw.kZ vk; dk L=ksr gSA NksVs eosf”k;ksa dh vuko`f’V dh fLFkfr

esa thfor jgus dh nj vis{kkd`r vf/kd gksrh gS D;kasfd thfor jgus

ds fy;s de ikuh dh vko”;drk gksrh gS rFkk ;s izfrdwy i;kZoj.k

esa U;wure moZjd Hkwfe ij tgka nwljh Qlys o i'kq thfor ugha jg

ldrs gSa] ;s dsoy ?kkl Qwl isM+ ikS/kksa dh ifÙk;ka [kk dj thfor cus

jgrs gSA

eRL; ikyu {ks= & cgqla[; tula[;k dks iks’k.k ,oa [kk| lqj{kk

iznku djus okyk eRL; ikyu Hkkjr esa rhozrk ls c<+us okyk {ks= gSA

;g {ks= 14-5 fefy;u ls vf/kd yksxksa dks vkthfodk vkSj vk;

iznku djrk gSA 2018&19 esa 13-7 fefy;u ehfVªd Vu ftldk 65

izfr”kr varn¢Zf'k; {ks= ds lkFk fo”o ds dqy eRL; mRiknu dk

Hkkjr fo”o dk nwljk lokZf/kd eNyh mRiknd ns”k gSA varn¢Zf'k;

mRiknu dk yxHkx yxHkx 50 izfr”kr mUur eNfy;ksa ls gSA d`f’k

ds dqy ldy ?kjsyw mRikn ¼thMhih½ esa bl {ks= dk ;ksxnku 5-23

izfr”kr gSA o’kZ 2018&19 esa eRL; ,oa eRL; mRikn dk fu;kZrd

ewY; # 47620 djksM+ FkkA eRL; ikyu dh iz[kj lEHkkoukvksa dks

ns[krs gq;s ljdkj us Qjojh 2019 esa eRL; ikyu dk ,d i`Fkd

foHkkx l`ftr fd;k rFkk lHkh ;kstukvksa dks ^^uhyh dzkfUr** dh ,d

Nrjh ;kstuk esa foy; dj fn;kA ljdkj us # 7522 djksM+ ds

fofu/kku ls vkjEHk djrs gq;s eRL; ikyu fodkl gsrq ,DokdYpj

bUQzkLVªDpj Msoyies.V Q.M ¼,vkbMh,Q½ Hkh l`ftr fd;k gSA

eRL; fodkl esa xjhcksa dks vk; vkSj vkthfodk iznku djus ds

lkFk gh leqnzh lalk/kuksa ds vfrmiHkksx@âkl ls cpkus gsrq

laaoguh; fodkl y{; dkss ,dhd`r djus ij Hkh cy fn;k x;k gSA

Hkkjr ljdkj us o’kZ 2022 rd d`’kdks dh vk; dks nqxuk dj nsus

dk egRokdka{kh y{; fu/kkZfjr fd;k gSA Hkkjr esa d`f’k {ks= ls]

vkxkeh dqN o’kksZ esas] bl {ks=a esa fuos”k esa dh xbZ o`f) ds dkj.k

csgrj xfr ls izxfr dh vis{kk;sa gSaA Qlyks dh mRikndrk esa]

Qlyksa dh ek=k rFkk i'kq /ku mRikndrk ls mRiknu esa o`f)]

lalk/ku mi;ksx n{krk esa o`f) ls mRiknu ykxr esa deh] mPp

ewY; dh Qlyksa dh vksj ifjorZu] foi.ku lq/kkj] rFkk dqy

mRiknu ykxr rFkk mPprj ewY; ds fy;s visf{kr U;wure vf/k”ks’k

vk/kkfjr U;wure leFkZu ewY;] fdlkuksa }kjk csgrj ewY; izkfIr

rFkk ewyr% yksxksa dh d`f’k ij fuHkZjrk dks de djus ds fy;s mUgsa

vd`f’k {ks= ds O;olk;ksa dh vksj ifjofrZr djuk] vkfn dqN

egRoiw.kZ uhfr;ka gSSa ftUgsa d`’kdksa dh vk; dks nqxuk djus ds fy;s

viuk;k x;k gSA ,Qihvks ¼fdlku mRiknd laxBu½ NksVs fdlkuksa

dks mUgsa ewY; Jaq[kyk esa xgurk ls “kkfey dj viuh vk; dks

vf/kdre djus ds fy;s izpqj lEHkkouk;sa izLrkfor djrk gSA

fdlku mRiknd laxBu ¼QkeZj izskM~;wlj vkxsZukbjs”ku½ lajpuk

dks O;olkf;d dq”kkxzrk rFkk cktkj ds lEidZ lqn`<+ cukus ds fy;s

orZeku esa leFkZu lsokvksa dh vko”;drk gSaA vU; izeq[k eqn~ns tSls

fd csgrj chek “krsZa] xq.koÙkk ewY;kadu] vk/kkjHkwr lajpuk] Qly

izcU/ku ds fy;s ;FkkFkZr% d`f’k lek/kku] foÙk dh miyC/krk bR;kfn

dks ,Qihvks dh lQyrk ds fy;s lgh <ax ls le>us dh

vko”;drk gSaA

tyok;q ifjorZu d`f’k ds le{k ,d izeq[k pqukSrh gSaA uhfr fuekZ.k

Lrj rFkk d`f’k Lrj ij c<+rs gq;s rkieku dks de djus gsrq

vuko`f’V lfg’.kq Qlyksa dh fdLeksa dks viukuk] izHkkoh ty

izcU/ku rFkk d`f’k dk;ksZa esa uohurk ds fy;s ,d izHkkoh tyok;q

tksf[ke vuqdwyu ,oa “keu uhfr gksuh pkfg,A lek/kku gsrq iwoZ

psrkouh iz.kkyh vfu;fer tyok;q ifjorZu dh ?kVukvksa dk

- 4 -

60dr¨dm{f©H [anmoQ ©2019-2020

vuqeku yxkus ,oa tksf[ke de djus esa ,d vge Hkwfedk fuoZgu

dj ldrh gSA

dsUnzh; ctV 2020&21 esa # 2-83 yk[k djksM+ dk izko/kku d`f’k ,oa

xzkeh.k fodkl ds fy;s fd;k x;k gSa ftlesa d`f’k] flapkbZ] rFkk

lEc) fdz;kdyki ds fy;s # 1-60 yk[k djksM+ rFkk xzkeh.k

fodkl ,oa iapk;rh jkt ds fy;s # 1-23 yk[k djksM+ fu/kkZfjr

fd;k x;k gSA

ctV esa iz/kkuea=h&fdlku] fdlkuksa dh vk; leFkZu ;kstuk

dks cuk;s j[kus dk izLrko gS ftlds vUnj # 6000-00 ik=

d`’kd ifjokj dks izR;sd # 2000-00 dh rhu =Sekfld fd”rksa

esa Hkqxrku fd;k tkuk gSA

jkT; ljdkjksa dks d`f’k foi.ku dks lqn`<+ djus ds fy;s ekWMsy

,xzhdYpj yS.M yht+ vf/kfu;e 2016] ,ih,elh ,DV 2017

rFkk dkUVªSDV QkWfeZax ,DV 2018 vaxhdkj djus gsrq

izksRlkfgr djukA

d`f’k esa lkS;Z ÅtkZ dks c<+kok nsus ds fy;s 20 yk[k d`’kdksaa dks

flapkbZ ds fy;s LVS.M vyksu lksyj iEi ;kstuk lgk;rk

iznku dh tk jgh gS rFkk 15 yk[k d`’kdksa dks fxzM ls tqM+s

lfapkbZ iEi lsV dks lkS;Z ÅtkZ lapkfyr cukusa ds fy;s

lgk;rk iznku djkbZ tk;sxhA

d`’kdks dks “kh?kz u’V gksus okys mRiknksa tSls Qy] lfCt;ka]

Qwy vkfn ds fy;s ?kjsyw vkSj varjkZ’Vªh; cktkjksa esa lqyHkrk

ls igqpusa ds fy;s ukxj foekuu ea=ky; }kjk d`f’k mM+ku

;kstukA

,sls d`f’k ds xksnkeksa rFkk “khr x`gksa ds izfrfp=.k rFkk ft;ks

VSfxax ftudh {kerk dk vkadyu 162 fefy;u ehfVªd Vu

ukckMZ }kjk fd;k x;k gSA

Lo;a lgk;rk lewgksa ds ek/;e ls ifjogu ykxr rFkk [kk|

inkFkksa ds {k; ls cpkus gsrq xzkeh.k Hk.Mkj.k lqfo/kk dks lqn`<+

cukukA

nw/k] ekal rFkk eNyh lfgr “kh?kz u’V gksus okyh oLrqvksa ds

Rofjr ifjogu O;oLFkk ds fy;s ihihih ekMy ds ek/;e ls

fdlku jsy ;kstuk dh LFkkiukA

nqX/k izlaLdj.k {kerk 2025 rd 53-5 fefy;u Vu ls c<+k

dj 108 fefy;u Vu nqxuh dh tk,xhA

2022&23 rd eNyh mRiknu 200 yk[k Vu rd c<k;k

tk;sxkA 3477 lkxj fe=ksa rFkk 500 eRL; d`’kd mRiknd

laxBuksa ds ek/;e ls ;qokvksa dks eRL; ikyu izlkj es

lfEefyr djrs gq;s eRL; fu;kZr dks 2024&25 rd ,d

yk[k djksM+ rd c<kus dk y{;A

jklk;fud moZjdksa ds nkSj ds izksRlkgu dks ifjofrZr djus ds

fy;s d`’kdksa dks lHkh izdkj ds moZjdksa ds mi;ksx djus ds

fy;s izksRlkfgr djukA

iz/kkuea=h Qly chek ;kstuk dk 6-11 djksM+ ifjokjksa rd

foLrkj fd;k tkukA

d`f’k flapkbZ ;kstuk dks tkjh j[krs gq, blh ek/;e ls lw{e

flapkbZ ij ladsfUnzr djukA

vkS|fud mRiknksa ds csgrj foi.ku ,oa fu;kZr ds fy;s ,d

mRikn ,d tuin dk;ZdzeA

eYVh fV;j dzkfiax] e/kqeD[kh ikyu] thjks ctV uspqjy

QkfeZax rFkk vkWu ykbu jk’Vªh; tSfod mRikn cktkj dks

l”kDr cukus ij ladsfUnzr y{; ds lkFk o’kkZ flafpr {ks= esa

lesfdr d`f’k iz.kkyh dk foLrkj fd;k tk,xkA

dsUnzh; ctV 2020&21 esa d`f’k

•

•

•

•

•

•

•

•

•

•

•

•

•

•

dsUnzh; ctV 2020&21 esa d`f’k

- 5 -

60dr¨dm{f©H [anmoQ ©2019-2020

,sfrgkfld n`f’V ls] Hkkjr esa fdlku lk/kughu gS tks mRiknu dks

lqlk/; cukus rFkk miHkksx iz.kkyh ds lqpkj lapkyu ds fy;s cqjh

rjg ls _.k ij fuHkZj djrk gSA o’kkZ flafpr ifjfLFkfr;ksa ,oa d`f’k

dh ijEijkxr vfuf”prkvksa ds lkFk “kks’k.kdkjh C;kt njksa ds lkFk

fdlkuksa dh c<+rh _.kxzLrrk Hkkjrh; d`f’k dh lrr pyh vk jgh

fo”ks’krk gSA oLrqr% laLFkkxr lk[k 19oha “krkCnh ds vUr rd Fkk

gh ugha ;|fi d`’kdksa ;nk&dnk ljdkj dh vksj ls] fo”ks’krkSj ij

vuko`f’V o’kksZa ds nkSjku _.k ns fn;s tkrs FksA fdlkuksa dks _.k nsus

ds fy;s lgdkjh lfefr;ksa dh lajpuk dk fopkj dsoy 20oha

“krkCnh ds izkjEHk esa vk;kA bl fopkj ds ifj.kkeLo:i lgdkjh

lfefr vf/kfu;e 1904 ds :Ik esa vf/kfu;fer gqvkA “kuS “kuS

lgdkfjrk;sa iwjs ns”k esa d`f’k lk[k dk egRoiw.kZ L=ksr gks xbZA 20oha

“krkCnh ds izkjfEHkd dky esa xzkeh.k lk[k us fujUrj ljdkj dk

/;ku vkdf’kZr fd;kA 1904 dk vkjfEHkd vf/kfu;e ds ckn

lgdkjh lk[k lfefr;ksa dks oS/kkfud ekU;rk nsus gsrq lgdkjh

vf/kfu;e 1912 ykxw fd;k x;kA izknsf”kd lgdkjh cSadksa dh

LFkkiuk ds ifj.kkeLo:Ik f=&Lrjh; lgdkjh lk[k lajpuk bl

vof/k dh nwljh egRoiw.kZ miyfC/k jghA ;|fi lgdkjh lk[k dk

ifjpkyu vYidkyhu _.kks rd gh lhfer jgkA blds lkFk gh

fdlkuksa dks vius iwoZ _.kksa ds ifjlekiu ds fy;s viuh d`f’k Hkwfe

esa Qly dh mit dk cgqr cM+k Hkkx C;kt ds :i nsuk iM+ jgk Fkk]

esa ftlls efqDr ikus ds fy;s nh?kZdkyhu _.kksa dh vko”;drk FkhA

bl izdkj ds nh?kZdkyhu _.k dh vko”drk dh iwfrZ ds fy;s Hkwfe

cU/kd cSad dh LFkkiuk 1920 ds izkjEHk esa dh xbZ FkhA 1920 esa

iatkc esa izFke Hkwfe ca/kd cSad dh LFkkiuk ds ckn izknsf”kd ,oa

izkFkfed Lrj ij bl izdkj ds cSadksa dh LFkkiuk vU; jkT;ksa esa gqbZA

bu iz;klksa ds ckn Hkh 1951 rd dsoy 3-3 izfr”kr fdlku gh

lgdkfjrkvksa ls _.k izkIr dj ik;s rFkk ek= 1 izfr”kr d`’kd

okf.fT;d cSadksa ls _.k dk izkIr dj ldsA vf[ky Hkkjrh; xzkeh.k

losZ{k.k fjiksVZ 1954 us ik;k fd d`f’k lk[k u rks ifjek.k esa lgh Fkk

u gh izdkj ls fn;k tk jgk Fkksa vkSj u gh lgh mn~ns”; ds fy;s

fdlkuksa dks fey ik jgk Fkk vkSj izk;% ;g lgh yksxksa rd igqap ikus

esa vlQy FkkA lfefr us lgdkfjrkvksa ds fdlkuksa dh d`f’k

vko”;drkvksa dk;ksZ dks iwjk dj ikus esa vusd dfe;ka ik;ha ysfdu

;g vuqHko fd;k fd fdlkuksa ds fy;s _.k dks lgh fn”kk esa ys

tkus esa lgdkfjrkvksa dh vge Hkwfedk gS] varr% fu’d’kZ fudkyk

fd ^lgdkfjrk vlQy jgh fdUrq lgdkfjrk dks lQy gksuk

pkfg;sA 1963 esa lgdkjh lk[k lajpuk] fo”ks’k :i ls Hkwfe fodkl

cSad dks nh?kZdkyhu dks’k miyC/k djkus ds fy;s d`f’k iquZfoÙk

fuxe dh LFkkiuk dh xbZA xzkeh.k lk[k dh miyC/krk dh leh{kk

rFkk d`f’k lk[k ds izokg dks lq/kkjus ds fy;s leqfpr mik;ksa dh

laLrqfr ds fy;s 1966 esa vf[ky Hkkjrh; xzkeh.k lk[k losZ{k.k

lfefr dk xBu fd;k x;kA lfefr us laLrqfr dh fd

lgdkfjrkvksa ds lkFk gh okf.kfT;d cSad xzkeh.k _.k forj.k esa

iwjd Hkwfedk fuoZgu djsaA 1969 esa cSad jk’Vªh;dj.k rFkk izkFkfed

{ks= dks _.k forj.k dh vo/kkj.kk ds fdz;kUo;u us okf.kfT;d

cSadksa dks o`gn:i ls xzkeh.k lk[k O;oLFkk esa ykus esa mRizsjd dk

dk;Z fd;kA

vxz.kh cSad ;kstuk Hkh fodsUnzhd`r ;kstuk ds fy;s mlh o’kZ ykxw

dh xbZ] ftlds vUrxZr izR;sd tuin dks ,d okf.kfT;d cSad ds

lkFk j[kk x;kA fQj Hkh ;s lHkh midze d`f’k ds fy;s _.k izokg esa

visf{kr lq/kkj yk ikus esa blfy;s vlQy jgs D;ksafd okf.kfT;d

cSad y?kq ,oa lhekUr d`’kdksaa dh vko”;drkvksa dks iwjk dj ikus ds

fy;s izf”kf{kr ugha fd;s x;s Fks tcfd lgdkfjrkvksa ds ikl

fdlkuksa dh c<+h gqbZ _.k dh ekax dks iwjk djus ds fy;s lalk/kuksa

dk vHkko Fkk vkSj blh i`f’BHkwfe ij] ujflagu dk;Z ny dh

laLrqfrvksa ds vk/kkj ij 1975 esa {ks=h; xzkeh.k cSadksa dh LFkkiuk dh

xbZA {ks=h; xzkeh.k cSad dh dYiuk ,d i`Fkd cSfdax lajpuk ds

:Ik esa dh xbZ ftlesa lgdkfjrk ds ykHk] LFkkuh;rk Hkkouk vkSj

xzkeh.k leL;kvksa dh vPNh tkudkjh o O;kolkf;drk rFkk

lalk/ku vk/kkj okf.kfT;d cSad lekfgr FkkA bl izdkj 70 ds

n”kd dk vUr cgq vfHkdj.k iz.kkyh ftlesa lgdkfjrk] okf.kfT;d

cSad rFk {ks=h; xzzkeh.k cSad lfEefyr Fks] xzkeh.k lk[k O;oLFkk ds

:i esa mHkjsA rnuUrj] lfefr ds lq>koksa dk vuqlj.k djrs gq,]

gsrq laLFkkxr lk[k dh leh{kk dh O;oLFkk ds fy;s 1982 esa d`f’k

,oa xzkeh.k fodkl cSad ¼ukckMZ½ dh LFkkiuk dh xbZ ftlus

,vkjMhlh ds lHkh dk;Z rFkk Hkkjrh; fjtoZ cSad ds d`f’k rFkk

xzkeh.k lk[k lEcU/kh lHkh dk;ksZsa dk nkf;Ro ys fy;kA ukckMZ

foÙkh; lgk;rk iznku djus esa egRoiw.kZ Hkwfedk fuoZgu djrk gS

rFkk xzkeh.k lk[k ds {ks= esa laLFkkxr fodkl dks lqxe cukrk gSA

- 6 -

60dr¨dm{f©H [anmoQ ©2019-2020

xzkeh.k lk[k ifjn`';

- 7 -

1990 us foÙkh; iz.kkyh ds lq/kkjksa ij xfBr lfefr ds lq>koksa ij

vk/kkfjr ¼v/;{k Jh ,e ujflagu 1991½ foÙkh; {ks= ds lq/kkjksa dks

HkyhHkkafr ns[kk gSA

Okkf.kfT;d cSadksa ds ek/;e ls d`f’k lk[k ij mPp Lrjh; lfefr

lfgr vusd xzkeh.k foÙkh; iz.kkyh lfefr;ka ¼vkj-oh- xqIrk]1998½]

lgdkjh lk[k iz.kkyh ,oa dk;ksaZ ij dk;Z cy v/;;u rFkk mldks

lqn`<+ djus mik; ¼txnh”k diwj 1999½] xzkeh.k lk[k ij fo”ks’kK

lfefr ¼oh-,l-O;kl] 2001½] oS|ukFku dk;Zcy&A vkSj AA] ¼2000

ds izkjEHk esa½] bR;kfn ml nkSjku xfBr dh xbZa FkhA 1990 ls Hkkjr

esa foÙkh; {ks= esa lq/kkjksa dh izfdz;k mi;qZDr lfefr;ksa dh laLrqfr;ksa

ds vk/kkj ij izkjEHk dh xbZA rFkkfi] ;g ns[kk x;k fd ,d vksj

okf.fT;d cSadksa rFkk {ks=h; xzkeh.k cSadksa ls lEcfU/kr laLrqfr;ksa dks

vf/kdak”kr% fdz;kfUor fd;k x;k ogha nwljh vksj xzkeh.k lgdkjh

lk[k lajpuk ij visf{kr /;ku ugha fn;k x;kA ,d vksj

vYidkyhu lgdkjh lk[k lajpuk ¼,lVhlhlh,l½ ij oS|kukFku

dk;Z cy fjiksVZ ij iwjh rjg ls /;ku ugha fn;k x;k tcfd

nh?kZdkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ dks iwjh rjg ls

misf{kr fd;k x;k rFkk mls fcYdqy gh fdz;kfUor ugha fd;k x;kA

d`f’k {ks= ds _.k izokg esa vlk/kkj.k o`f) xr 15 o’kZksa esa gqbZ gS

tSlk fd uhps nh xbZ o’kZ 2005&06 ls 2020&21 rd dh d`f’k lk[k

ds o’kZokj y{; ,oa miyfC/k;ka bafxr rkfydk esa ns[kk tk ldrk

gS%&

•

•

dks’Bd ds vUnj vkadM+s xro’kZ ds lkis{k gq;s izfr”kr ifjorZu bafxr djrs gSA

L=ksr % ctV lays[k rFkk Hkkjr ljdkj dk vkfFkZd losZ{k.k ¼2005&06 ls 2018&19½ rFkk ukckMZ okf’kZd fjiksVZA

vkdM+s&17 d`f’k lk[k xr i`’B 157 ¼vkfFkZd losZ{k.k 2016&17 Hkkjr ljdkj½*

o"kZ y{; miyfC/k

2005-06 1,41,500 (34.76%) 1,80,486 (44.03%)

2006-07 1,75,000 (23.67%) 2,29,401 (27.10%)

2007-08 2,25,000 (28.57%) 2,50,000 (08.98%)

2008-09 2,80,000 (24.44%) 3,02,908 (20.76%)

2009-10 3,25,000 (16.07%) 3,84,541 (26.94%)

2010-11 3,75,000 (15.38%) 4,68,291 (21.79%)

2011-12 4,75,000 (26.66%) 5,11,029 (09.13%)

2012-13 5,75,000 (21.05%) 6,07,375 (18.85%)

2013-14 7,00,000 (21.74%) 7,30,765 (20.31%)

2014-15 8,00,000 (14.28%) 8,45,328 (15.68%)

2015-16 8,50,000 (06.25%) 9,15,509 (08.30%)

2016-17 9,00,000 (05.88%) 10,65,755 (18.42%)*

2017-18 10,00,000 (11.11%) 11,62,617 (16.26%)

2018-19 11,00,000 (10%) 12,54,762 (14.06%)*

2019-2020 12,00,000 -

2020-2021 15,00,000 -

60dr¨dm{f©H [anmoQ ©2019-2020

¼/kujkf #- esa½'k djksM+

2018&19 esa forfjr # 12]54]762 djksM esa ls vf/kdre lhek rd

# 6]26]087-53 djksM+ ¼vfUre½+ y?kq ,oa lhekUr d`’kdksa dks forfjr

fd;k x;k tks dqy forfjr _.k dk 49-90 izfr”kr gSA

Yk?kq ,oa lhekUr d`’kd tks 85 izfr”kr d`f’k tksr ifjpkfyr djrs

gSa rFkk dqy {ks=Qy ds vk/ks ls vf/kd d`f’k {ks= ds fy;s mÙkjnk;h

gksrs gq;s Hkh ml vuqikr esa laLFkkxr _.k dk ;Fkksfpr Hkkx izkIr

ugha dj ik jgs gSaA fdlkuksa dks vYidkyhu _.k tSls vknkuksa dh

[kjhn] fujkbZ] dVkbZ] NVkbZ rFkk <qykbZ ds fy;s _.k dh

vko”;drk gksrh gS vFkok nh?kZdkyhu mi;ksx tSls d`f’k ;a=hdj.k

,oa la;=ksa vFkok flapkbZ esa fuos”kA y?kq ,oa lhekUr d`’kd

vf/kdka”kr% Åaph C;kt nj ds _.k izkfIr ds vukSipkfjd L=ksarkas

ij fuHkZj jgrs gSaA

fiNys dqN n”kdksa ls] fo”ks’k:i ls 1990&91 ls] nh?kZdkyhu _.k

ds va”k esa fujUrj fxjkoV vk jgh gS ftldk vFkZ gS fd d`’kd

nh?kZdkyhu fuos”k ds fy;s _.k ds LFkku ij vkorhZ [kpksZa ds fy;s

_.k ys jgk gSA ;|fi mRiknu _.k ds izokg esa izR;sd o’kZ o`f) gks

jgh gS fdUrq d`f’k fuos”k _.k dh Hkkxhnkjh esa fxjkoV rFkk iWwth

fuekZ.k rFkk mRikndrk o`f) dh /khehxfr dkj.k d`f’k mRiknu esa

lekuqikfrd o`f) ifjyf{kr ugha gqbZ gSA

vuqeku gS fd d`f’k esa dqy _.k dk 75 izfr”kr okf.kfT;d cSadksa

}kjk rFkk vo”ks’k lgdkfjrkvksa ,oa {ks=h; xzkeh.k cSadksa va”k dze”k%

15 izfr”kr vkSj 10 izfr”kr }kjk vfHknÙk gSA rFkkfi _.k esa

izfrosfnr o`f) {ks= esa ugha fn[kkbZ ugha iM+hA yxHkx 1540 fefy;u

d`f’k ifjokj vkSipkfjd _.k iz.kkyh dh ifjf/k ls ckgj gSaA

lk/kkj.k fdlku vHkh Hkh cSafdax O;oLFkk ls _.k izkIr dj ikus esa

dfBukbZ vuqHko djrk gSA okf.kfT;d cSadksa ds vkf/kiR; ds ckotwn

d`f’k _.k ds vkadM+ksa es lgdkfjrk;s vHkh Hkh 60 izfr”kr d`f’k _.k

dk izeq[k L=ksr cuh gqbZ gSaA

{ks=h; xzkeh.k cSadksa us d`f’k _.k forj.k esa dqy _.k forfjr _.k

esa 10 izfr”kr rFkk dqy _.kh lnL;ksa dh yxHkx 20 izfr”kr

Hkkxhnkjh esa mYys[kuh; o`f) ntZ dh gSA lPpkbZ ;g gS fd

lgdkfjrk,a ,oa {ks=h; xzkeh.k cSad nksauksa gh ,d lkFk d`f’k {ks= ds

80 izfr”kr _.k forj.k dks vkPNkfnr djrh gSa rFkk okf.kfT;d

cSadksa }kjk d`f’k {ks= fdlkuksa ds fy;s ek= 20 izfr”kr _.k forj.k

fd;k tkuk “ks’k cprk gSA fuLlUnsg okf.kfT;d cSadksa ds ek/;e ls

fdlkuksa dks lh/ks fn;s tkus okys _.k dh ek=k muds }kjk ;FkkFkZr%

izfrosfnr okLrfod _.k forj.k ls dkQh de gksrh gSA okf.kfT;d

cSadksa }kjk d`f’k _.kksa dh vfrx.kuk ds dkj.k xzkeh.k lk[k esa

ljdkj dh uhfr;ka fu’Qy gqbZ gSa lkFk gh ljdkjh uhfr;ksa esa

lgdkfjrkvksa ds ek/;e ls _.k izokg ds iks’k.k djus dh uhfr ,oa

dk;Zdzeksa dks vkxs c<kus esa ck/kd gksus rFkk muds egRo cgqr rsth

ls ?kVk fn;k gSA

d`f’k iSnkokj ¼vkSlr izfr gsDVj mRiknu dh n`f’V ls½ vf/kdka”k

Qlyksa dh lokZf/kd mRiknu djus okys ns”kksa tSls phu] czkt+hy

rFkk la;qDr jkT; vesfjdk ls rqyuk djus ij dkQh de ik;h xbZaA

d`f’k mRikndrk dks izHkkfor djus okys izeq[k eqn~nksa esa d`f’k tksr

dk vkdkj de gksuk] fujUrj vuqi;qDr flapkbZ lalk/kukas dh

miyC/krk ds dkj.k ekUlwu ij fuHkZjrk] e`nk iks’kd rRo ds mi;ksx

esa vlUrqyu ds dkj.k Hkwfe moZjk”kfDr dk {k;] vk/kqfud

izkS|kfxdh dh ns”k ds dbZ Hkkxksa esa vfu;fer miyC/krk] vkSipkfjd

d`f’k _.k rd visf{kr igqaqp dk vHkko] cktkj vojks/ku esa _.k

lEcU/kh eqn~nsA

vU; {ks=ksa dh rqyuk esa d`f’k dh ykHkiznrk d`f’k esa futh fuos”k dks

izHkkfor djrk gS rFkk fofHkUu Qlyksa dh lkisf{kd ykHkiznrk Hkwfe

,oa vU; lalk/kuksa ds vUrj Qly vkoaVu dks fu/kkZfjr djrh gSA

d`f’k dh vk/kkjHkwr lajpuk esa lkoZtfud fuos”k d`f’k esa ykHkiznrk

fu/kkZfjr djus okyk ,d egRoiw.kZ dkjd gSA fQj Hkh d`f’k esa

lkoZtfud fuos”k xr n”kdksa esa rsth ls fxj jgk gSA d`f’k esa orZeku

ladV rFkk fdlkuksa dh ihM+k dk gy fudkyus ds fy;s lkoZtfud

fuos”k esa d`f’k ds vk/kkjHkwr lajpuk ds fxjrs gq;s #>ku esa cnyko

ykuk vfuok;Z gSA

d`f’k ,oa xSj d`f’k {ks= esa c<+rh gqbZ vk; vlekurk ds d’Vnk;d

#>ku dks mRiknd volj l`tu ds }kjk d`f’k ls Je cy ds ,d

cM+s Hkkx dks vd`f’k {ks= esa ifjofrZr fd;s tkus dh Hkh vko”;drk

gSA

d`f’k {ks= dh lokZf/kd egRoiw.kZ igyh vko”;drk fdlkuksa dks

nh?kZdkyhu fuos”k djus ds fy;s mRizsfjr fd;s tkus dh gSaA

fulansg] u dsoy _.k ds izokg vkSj vk/kkjHkwr fuos”k l`tu dks

c<k dj oju d`f’k&foi.ku rFkk d`f’k&izd`e.k ds fodkl ds }kjk

tuekul ds lg;ksx dh vko”;drk gksxhA fuos”k vko”;drkvksa

dh iwjs ns”k@{ks= esa] d`f’k tyok;q vk/kkfjr LFkkfud ifjfLFkfr;ksa

,oa d`f’k fodkl ds Lrj ij o d`’kdksa }kjk Qly vkSj d`f’k

lEcfU/kr dh tk jgh vU; xfrfof/k;ksa ds vuq:i fHkUurk gks ldrh

gSA

- 8 -

60dr¨dm{f©H [anmoQ ©2019-2020

lk[k] mRiknu izfdz;k esa] leFkZdkjh ,oa fodV fuos”k ds :i esa

dk;Z djrk gSA v?;;u ls ;g rF; mtkxj gksrk gS fd laLFkkxr

L=ksarksa] ;Fkk okf.kfT;d cSadksa] {ks=h; xzkeh.k cSad ,oa lgdkfjrkvksa

ls fuxZfer _.k moZjdksa] cht rFkk vU; fufo’V lkefxz;ksa ds

lgt miyC/krk iznku djkrk gS rFkk i¡wth fuekZ.k ls cgqr vf/kd

lEcfU/kr gksrk gSA ekax i{k dh vksj ls voyksdu djus ij] ;g

Li’V gksrk gS fd Hkkjr esa yxHkx 86 izfr”kr d`f’k esa fuos”k]

laLFkkxr rFkk xSj laLFkkxr L=ksarks ls izkIr _.k ds /ku ds ek/;e

fd;k tkrk gSaA ekStwnk laLFkkxr foÙk ra= dqy mRiknu _.k

vko”;drkvksa dk 65 izfr”kr ls vf/kd dks gh lajf{kr dj jgk gS]

vo”ks’k dh vkiwfrZ fuos”k _.k ls gksrh gSA lHkh cSadksa }kjk iznku

djk;s tk jgs vYidkyhu _.k vf/kdak”kr% Qly mRiknu ds fy;s

gh lgk;rk ns jgs gSa rFkk d`f’k fuos”k _.k esa mudk lg;ksx cgqr

de gSA blls d`f’k {ks= esa i¡wth fuekZ.k izHkkfor gqvk gS ftls

oLrqr% fiNys dqN o’kksZa easa blfy, c<k;k tkuk pkfg, Fkk D;ksafd

fdlkuksa dks laLFkkxr _.k vfHkdj.kksa ls izkIr _.kksa ls mudks

vius fuos”k dk Ik;kZIr ykHk ugha fey ikrk gSA orZeku vuqeku

Li’V djrs gSa fd nh?kZdkyhu lk[k u dsoy de gks jgk gS ;g dqy

d`f’k _.k dk ,d pkSFkkbZ ls Hkh de jg x;k gSA vr% uhfrxr

ncko ds lkFk Ik;kZIr ctVh; lg;ksx ls cSadksa dks izksRlkfgr fd;k

tkuk gksxkA blh izdkj] lkoZtfud fuos”k dk bl {ks= ds lcls

cM+s lk>kdkjd ij xq.kd izHkko ds dkj.k iquZthfor fd;k tkuk

nqlk/; gksxkA

Hkkjr esa jkT; Lrj ij fuos”k fuf/k vko”;drkvksa dk vkadyu d`f’k

fodkl ds fy;s ugha fd;k x;k] bls dsoy jk’Vªh; Lrj ij gh fd;k

x;kA ;kstuk vk;ksx us vuqeku fd;k fd ckjgoha iapo’khZ; ;kstuk

¼2012&2017½ ds nkSjku 3-5&4-2 izfr”kr o`f) ds y{; dks ikus

ads fy;s 20-41 izfr”kr ds fuos”k dh nj dh vko”;drk FkhA 5-32

izfr”kr dh o`f)”khy iWwath mRiknu vuqikr ¼vkbZlhvksvkj½ ij

vk/kkfjr ;g fuos”k nj dh iwfrZ lkoZtfud ,oa futh ¼d`f’k

ifjokjksa½ {ks= ls dh tkuh gSA 2007&08 ls 2011&12 arFkk 2012&-

13 ls 2013&14 rd ,oa okLrfod d`f’k vk; esa 9-23 izfr”kr ds

okf’kZd ds o`f) y{;ij vk/kkfjro`f)”khy i¡wth mRiknu vuqikr

¼vkbZlhvksvkj½] futh [kkrksa esa visf{kr fuos”k dh nj 6-62 izfr”kr

gSA lkoZtfud fuos”k ds ekeyksa esa ¼d`f’k ds fy;s½ fuos”k nj 6-92

izfr”kr okf’kZd gSA lexz :i ls fdlkuksa dh okLrfod vk; dks

d`f’k dh mPprj vk; ds }kjk nqxuk djus esa l{ke cukusa ds fy;s

Hkkjr esa futh fuos”k 2015&16 esa 296 fcfy;u ¼# 29]559 djksM+½

ls c<+ dj 2004&05 ds ewY; ij 2022&23 esa 463 fcfy;u

¼# 46]299 djksM+½ gks tkuk pkfg,A

iwoZ vof/k ds fd;s x;s v/;;uksa us d`f’k esa 2-2 vkSj 4 izfr”kr ds

e/; ?kVrs c<+rs o`f)”khy i¡wth mRiknu vuqikr ¼vkbZlhvksvkj½ dks

mPprj izfrosfnr fd;k gS tks bafxr djrk gS fd izfr o’kZ mRiknu

esa ,d #i;s dh o`f) ds fy;s # 2-2 ls # 4 rd ,d eq”r fuos”k

fd;k tkuk visf{kr gSA i¡wthxr vis{kk,a yxHkx nksxquh gks tk,xh

;fn vk/kkjHkwr lajpuk vkSj lgk;d fuos”k esa lkoZtfud fuos”k

fd;s tkus ij fopkj fd;k tkrk gSaA VqdM+ksa esa cVs d`f’ktksrksa dh

c<rh ek=k ds lkFk ml fLFkfr esa tc fd ,sls fuos”k ij i;kZIr

izfrQy lqfuf”pr u fd;k x;k gks] lhekUr d`’kd ds fy;s ml ij

fuos”k _.k ysuk fcYdqy vlEHko gksxkA bl izdkj] fuos”k lk[k

ij tksf[ke ,oa izfrQy vuqikr dkQh vf/kd gksus dh fLFkfr esa]

,slk _.k ftlesa ykHk Hkh cgqr de gks] y?kq ,oa lhekUr d`’kdsk ds

le{k Åaph nj ij _.k ysus esa la”k; jgsxkA tSlk fd mi;qZDr

bafxr fd;k x;k gS tc rd tksf[ke ykHk vuqikr ldkjkRed ugha

gksrs] d`’kd laLFkkxr vfHkdj.k ls _.k ys dj vfrfjDr fuos”k

djus dk dksbZ Hkh tksf[ke ysuk ugha pkgsaxsA

laLFkkxr lk[k lapj.k ra= ds ikl nh?kZdkfyd lalk/ku ugha gksrs

gSA ukckMZ ls iznÙk iqufoZÙk lqfo/kk dsoy cSadksa ls rjyrk lg;ksx

ds ek/;e ls gh lqyHk gSA okf.kfT;d cSad lkekU;r;k iquZHkqxrku

vof/k dks vius fuos”k _.k leFkZu esa nck nsrs gS QyLo:i

fdlkuksa dks ml _.k ds Hkqxrku ds fy;s ncko Mkyrs gSa ftl ij

mUgsa dksbZ vk; l`ftr ugha dh gSA QyLo:i d`’kd viuh foÙkh;

vko”;drkvksa ds fy;s vukSipkfjd L=ksrksa ls lEidZ djus ds fy;s

ck/; dj fn;k tkrk gS] ftudh C;kt dh njsa cgqr T;knk gksrh gSaA

lgdkjh cSadksa ,oa {ks=h; xzkeh.k cSadksa ds ikl i;kZIr nh?kZdkyhu

lalk/ku ugha gksrs gSa ftlls og fuos”k _.k esa viuh fgLlsnkjh c<+k

ldsaA ,vkjMhcSad vius lnL;ksa dh fuos”k _.k vko”;drkvksa dks

dHkh dHkh ukckMZ ds iqufoZÙk ds lg;ksx ds fcuk Hkh lnL;ksa dh ekax

dks iwjk djus okys dsoy ,dek= L=ksr gSaA ;fn ,vkjMh cSadksa }kjk

fuos”k _.k ds va”k dks c<k;s tkus dh vko”;drk gks] mUgsa ukckMZ

vFkok vU; mPp vfHkdj.k ls mnkjhd`r foÙk iznku fd;k tkuk

pkfg, D;kasfd ,vkjMhcSad gh uhfr fuekZrkvksa }kjk nh?kZdkyhu

fuos”k _.k iznku djkus okyk l`ftr dsoy mn~ns”;ijd L=ksr gSA

vr% ;g ukckMZ dh iqufoZÙk uhfr ds iqujkoyksdu dh vihy djrk

gS ftls ,vkjMh cSaadks dks lhfefr _.k forj.k uhfr;ksa esa ckf/kr

- 9 -

60dr¨dm{f©H [anmoQ ©2019-2020

60dr¨dm{f©H [anmoQ ©2019-2020

djus ds LFkku ij mudk leFkZu djrs gq;s mnkjrkiwoZd fcuk

fdlh cU/ku ds vxzlfdz; Hkwfedk dk fuoZgu djuk pkfg,A oLrqr%

ukckMZ loZizFke viuk iqufoZÙk cdk;k Hkqxrku dh olwyh dj jgk gS

tc fd izkjEHk ls ;s vius _.kh lnL;ksa dks fn;s x;s _.k dh

olwyh dj ikus esa vleFkZ gSaA ukckMZ dks viuh uhfr;ksaa ij

iqufoZpkj djusa dh vko”;drk gS rFkk bls vius iqufoZÙk dh fd”rksa

dks ,vkjMh cSadksa }kjk ysVj ,.M fjises.V ¼ckn esa & vfUre

Hkqxrku½ uhfr vaxhdkj dj olwyh djuh pkfg;sA bl izdkj dk

n`f’Vdks.k ,vkjMh cSadksa dks vusd lkekftd ,oa jktuSfrd dkj.kksa

ls mRiUu gksus okyh izfrdwy olwyh ifjfLFkfr;kas dk lkeuk djus

ds fy;s i;kZIr xqatkb”k iznku djsxk rFkk ukckMZ Hkh tksf[ke

Hkkxhnkjh n`f’Vdks.k esa lgHkkxh gksxkA

,yVhlhlh,l ¼nh?kZdkyhu lgdkjh lk[k laajpuk½ dk iqu#)kj

cqjh rjg ls foyfEcr gqvk gS ftlls bldh fdlkuksa dh

nh?kZdkyhu vko”;drkvksa dks iwjk djus dh {kerk izHkkfor gqbZ gSA

ljdkj dks ,yVhlhlh,l ¼nh?kZdkyhu lgdkjh lk[k laajpuk½ dk

oS|ukFku dk;Zcy&AA }kjk laLrqr fd;s x;s iqu#)kj iSdst dks

vfoyEc ykxw djk nsuk pkfg,A

fdlkuksa dks Åaph C;kt nj ij miyC/krk fuos”k lk[k dk nwljk

egRoiw.kZ eqn~nk gS ftlij izkFkfedrk ds vk/kkj ij fopkj fd;k

tkuk pkfg,A dsUnz ljdkj us Qlyh _.kksa dks ogu djus ;ksX;

njka ij cuk;s j[kus ds fy;s dne mBk;s gSaA C;kt esa 3 izfr”kr ds

vuqnku fn;s tkus ds mijkUr Qlyh _.k ij vf/kdre C;kt nj

4 izfr”kr okf’kZd gSaA jkT; ljdkjksa }kjk vfrfjDr vuqnku fn;s

tkus ds ckn dqN jkT;ksa esa Qlyh _.k vc “kwU; C;kt nj ij

miyC/k djk;k tk jgk gSA fQj Hkh d`f’k lk[k dh ykxr dks de

djus ds fy;s d`f’k fuos”k ds fy;s fn;s x;s _.kksa gsrq buesa ls dksbZ

Hkh mik; ugha fd;s x;s gSaA

ukckMZ dk cSadks dks fuos”k lk[k ds fy;s iqufoZÙk lg;ksx dh

8-50 izfr”kr okf’kZd C;kt nj vfUre _.kh lnL; Lrj ij ykxr

esa o`f) ds lkFk O;kt nj 12 ls 14 izfr”kr ds Lrj ij igqp tkrh

gSA Qlyh _.k ,oa fuos”k _.k dh C;kt njksa esa cgqr cM+k vUrj

d`f’k fuos”k ds fy;s vR;Ur grksRlkfgr djus okyk gks x;k gSA

ljdkj us okf.kfT;d cSadksa esa d`f’k gsrq forfjr _.k esa gqbZ gkfu;ksa

dks ns[krs gq;s ukckMZ esa nh?kZdkyhu xzkeh.k lk[k ds fy;s ,d dks’k

dk l`tu fd;k gSA ukckMZ bl dks’k dk mi;ksx fuos”k _.k iqufoZÙk

de C;kt nj ij 5 o’kZ dh vof/k gsrq nsus ds fy;s dj jgk gSA

;|fi ,llh,vkjMh cSaDl dks muds vf/kdka”k _.k 5 o’kZ ls vf/kd

yEch vof/k ds gksus ds dkj.k ,yVhvkjlh,Q ls cgqr NksVh

/kujkf”k nh xbZA ,vkjMh cSadksa }kjk fuos”k _.k ds va”k dks c<+kus

ds fy;s dk;Zny dh laLrqfr;ksa ds vk/kkj ij rFkk fnukad 6 ekpZ

2019 dks v/;{k ukckMZ ls fopkj foe”kZ ds ckn] ukckMZ us

nh?kZdkyhu _.kksa ds fy;s iqufoZÙk dh vof/k 9 o’kZ ds fy;s rFkk

,yVhvkjlh,Q ds lkFk vkaf”kd lg;ksx ds lkFk 5 o’kZ rd rFkk

vo”ks’k vof/k ds fy;s ukckMZ lkekU; _.k ij ns; C;kt tks ykxw

gksxk] pktZ djsxkA ;g NwV yEch vof/k rd ,vkjMh cSadksa dks

fof”k’V lhek rd lalk/kuksa dh deh dks iwjk djus ds fy;s visf{kr

xqatkb”k nsrs gq;s vkSj vf/kd iqufoZÙk mi;ksx ds fy;s tkjh jgsxhA

d`f’k gsrq foÙk iks’k.k fo”ks’k:i ls o’kkZ flafpr ifjfLFkfr;ksa esa]

ftlds vUrxZr d`y d`f’kxr {ks= dk 63 izfr”kr {ks= gS] esa cgqr

vf/kd tksf[ke gSA orZeku esa d`f’k foÙk iks’k.k easa tks tksf[ke

lfEefyr gS] og _.knkrk laLFkku }kjk ogu fd;k tkrk gS tks

muds mPpLrjh; ,uih, dk dkj.k gSaA ,vkjMh cSadksa lfgr

lgdkjh lk[k lajpuk esa cgqr cM+h la[;k esa laLFkk,a tks eq[; :Ik

ls NksVs ,oa lhekUr d`’kdksa dh vko”;drkvksa dk /;ku j[krh gSa]

mudk ,uih, lguh;s Lrj ls ijs gSA

dsUnz ,oa jkT; ljdkjksa }kjk _.k ekQh ;kstukvksa ds fdz;kUo;u

vHkh Hkh _.k olwyh ds okrkoj.k dks nwf’kr dj jgh gSaA d`f’k chek

gsrq ljdkj dk fdlkuksa dks fd;s x;s leFkZu dks Qly chek ls

vyx d`f’k ifjlEifÙk;ksa ds chekdj.k ds fy;s Hkh c<+k;k tkuk

pkfg,A ljdkj dks ,slh dk;Zokgh ftlls olwyh dk okrkoj.k

nwf’kr gksus ls cpuk pkfg, rFkk ,vkjMh cSadksa dh olwyh izfdz;k esa

gLr{ksi djus ls cpuk pkfg,A

laLFkkxr _.kksa dk cgqr cM+k fgLlk nf{k.k o mÙkj if”pe {ks= ds

dqN fodflr jkT;ksa rd gh tkrk gSA ifj.kkeLo:i d`f’k fodkl

dh vikj lEHkkoukvksa okys iwohZ vkSj mÙkj&iwohZ jkT; i;kZIr _.k

izkIr ugha dj ik jgs gSaA vusd jkT;ksa ds e/; vkSj mlds lkFk gh

{ks= ds vUnj xzkeh.k leqnk;ks ds e/;a _.k ds vleku forj.k dk

Lo:i xzkeh.k foÙk iks’k.k iz.kkyh ds fy;s cgqr cM+h pqukSrh gSaA

- 10 -

31 ekpZ 2020 rd nh?kZdkyhu lgdkjh lk[k lajpuk dh o`f) ¼# yk[k esa½

dzela[;k fooj.k

2018 19- 2019 20-

1- ,llh,vkjMh cSadksa dh la[;k

1]723 1]722

1]02]04]506 1]02]44]345

bl frfFk dks 2018&19 2019&20

9]437 9]069

iw.kZr;k dk;kZRed 13 13

vU; 3 3

2- vkmVysV dk usVodZ

,llh,vkjMh cSadksa dh “kk[kk,a

ihlh,vkjMh cSad ,oa bldh “kk[kk,a 1]063 1]062

3- O;fDr;ksa dh lnL;rk

_.kh lnL; 55]53]215 56]55]969

xSj&_.kh lnL; 46]51]291 45]88]376

4- Ckdk;k _.k 19]76]087]43 20]10]257-27

5- forfjr _.k 4]24]250-14 4]21]439-89

6- vnÙk m/kkj jkf”k;ka 14]87]110-14 13]43]719-94

7- vnÙktek 2]11]392-21 2]12]920-86

8- _.k olwyh fLFkfr

ekax 13]18]364-13 14]47]361-95

olwyh 4]79]428-14 5]58]488-85

olwyh 36-37 38-59

9- ykHk dh /kujkf”k 12]391-75 15]382-18

ykHk esa ¼la[;k½ 8 8

10- gkfu dh /kujkf”k 24]435-10 18591-17

gkfu esa ¼la[;k½ 5 5

11- deZpkfj;ksa dh fLFkfr

,llh,vkjMh cSad Lrj ij 4]779 4]576

ihlh,vkjMh cSad Lrj ij 4]658 4]493

i

ii

i

ii

i

ii

i

ii

iii

i

ii

%

660 660

;ksx

;ksx

;ksx

o’kZ ds nkSjku

orZeku esa lajpuk esa 16 ,llh,vkjMh cSad gSa ftuesa cqfu;knh Lrjij 1722 ihlh,vkjMh cSad@,llh,vkjMh cSadksa dh ”kk[kkvksa dsusVodZ ds lkFk 13 iw.kZr;k dk;kZRed gSaA bu cSadksa dh dqy lnL;la[;k 1]02]44]345 xzkeh.k ifjokj ftuesa 56]55]969 ij cdk;kvo”ks’k gSaA 31-03-2020 dks iwjh rjg dk;kZRed ,llh,vkjMh cSadksadk dqy _.k vo”ks’k rFkk vnÙk cdk;k dze”k% # 20102-57 djksM+rFkk # 13437-20 djksM+ FkkA iw.kZr;k dk;kZRed ,llh,vkjMh

cSadksa ds ikl 31-03-2019 dks # 2113-92 djksM+ ds lkis{k 31-03-2020 rd bu cSadksa dh dqy tek jkf”k # 2129-21 djksM+ Fkh tcfd budh dqy forfjr _.k jkf”k xr o’kZ ds # 4242-50 djksM+ dslkis{k 2019&20 ds nkSjku # 4214-40 djksM+ FkhA bu cSadksa dh dqyolwyh xr o’kZ ds 36-37 izfr”kr dh rqyuk esa 38-59 izfr”kr¼31 ekpZ 2020 rd½ jghA

- 11 -

nh?kZdkyhu lgdkjh lk[k lajpuk & fogaxkoyksdu

60dr¨dm{f©H [anmoQ ©2019-2020

nh?kZ dkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ esas eqn~ns ,oa

pqukSfr;ka

,yVhlhlh,l dks ,d xSj L=ksr vk/kkfjr fof”k’V vof/k ds _.k

iznku djus okyh laLFkk ds :i esa vkdfYir fd;k x;kA lajpuk esa

jkT; Lrjh; ,oa izkFkfed Lrjh; d`f"k ,oa xzkE; fodkl cSad

lfEefyr gSaA bu laLFkkvksa dks cSafdax fu;ked vf/kfu;e ds

vUrxZr vkus okyh cSadksa ds :i] esa dk;Z djus dk ykblsUl ugha

fn;k x;k gSA QyLo:i bUgsa vU; xzkeh.k foÙkh; laLFkkuksa

¼vkj,QvkbZ½ dh rjg vke yksxksa ls tek ysus dh vuqefr iznku

ugha dh xbZ gSA ifj.kkeLo:i bUgsa _.k forj.k ds fy;s Hkkjh ek=k

esa m/kkjhd`r fuf/k;ksa ij gh fuHkZj jguk iM+rk gSA Lora=rk ls iwoZ

vius dk;ksZ ds lapkyu gsrq ljdkj dk dks"k buds foÙk iks"k.k dk

iazeq[k L=ksr FkkA Hkwfe fodkl cSadksa ds dk;ksZ ds nh?kZ dkyhu

lalk/ku tqVkus gsrq o"kZ 1961 esa d`f’k iquZfoÙk fuxe ¼,vkjlh½ dks

LFkkiuk dh xbZA o’kZ 1963 esa d`f’k iquZfoÙk fuxe ¼,vkjlh½ dks

,vkjMhlh ds :i esa uke fn;k x;kA o’kZ 1982 esa ukckMZ dh

LFkkiuk gksus rd Hkkjrh; fjtoZ cSad ds d`f’k iquZfoÙk fodkl fuxe

¼,vkjMhlh½ rFkk d`f"k _.k foHkkx ¼,lhMh½ nksuksa nh?kZ dkyhu

lk[k lajpuk ¼,yVhlhlh,l½ ds dk;ksZa ds fy;s dks’k dh O;oLFkk

djrs FksA tqykbZ 1982 esa d`f’k iquZfoÙk fodkl fuxe ¼,vkjMhlh½

rFkk d`f"k _.k foHkkx ¼,lhMh½ nksuksa dks feykdj ukckMZ cuk;k

x;kA rc ls bl lajpuk ds _.k forj.k dk;Z lapkyu gsrq ukckMZ

gh dks"kksa dk izeq[k L=ksr gSA

rFkkfi] o’kZ 2000 ds izkjEHk ls ukckMZ }kjk fn;k tk jgk iquZfoÙk

lg;ksx 'kuS “kuS de gksrk tk jgk gSA blls ,llh,vkjMh cSadksa

dk _.k lapkyu xEHkhj :i ls izfrcfU/kr gqvk gSA blds

vfrfjDr dqN jkT;ksa ds ,llh,vkjMh cSad tks 'kkldh; xkj.Vh u

fey ikus vFkok vkjEHk fd;s x;s tksf[ke ewY;kadu ekun.Mksa ij

vk/kkfjr iquZfoÙk ds fy, ik=rk dh “krksZa dks iwjk dj ikus esa

vlQy jgus ds dkj.k ukckMZ ls iquZfoÙk izkIr ugha dj lds] mUgsa

lalk/kuksa ds vHkko esa _.k forj.k dk;ksaZ dks LFkfxr djuk iM+k FkkA

,llh,vkjMh cSad 0-25 izfr”kr ls ysdj 2 izfr”kr rd xkj.Vh

“kqYd ogu dj jgs gSaA bl izdkj] izHkkoiw.kZ <ax ls ,vkjMh cSadksa dh

O;ogk;Zrk dks izHkkfor djrs gq;s mudhs miyC/k ykHk dh lhekUrrk

dks fujUrj de fd;k tk jgk gSA bl ifjizs{; esa] ,vkjMh cSadksa dh

fuos”k _.k esa Hkkxhnkjh dks c<+kus ds fy;s Jh okb lh uUnk dh

v/;{krk esa xfBr dk;Zny us ,llh,vkjMh cSadkss dks mudh

HkkjeqDr xq.koÙkk okyh ifjlEifÙk;ksa rFkk vU; xq.kkRed ekin.Mksa

ds vk/kkj ij fcuk xkj.Vh vFkok tekur ds iqufoZÙk fn;s tkus gsrq

iqufoZÙk dh ,d ubZ o vfrfjDr iz.kkyh l`ftr djus gsrq ukckMZ dks

laLrqfr dh gSA

nh?kZdkyhu _.kh lnL;ksa dh vYidkyhu mRiknu _.k@

dk;Z”khy iwWath vko”;drkvksa dks iwjk djus esa v{ke jguk] ,vkjMh

cSadksa dh dk;Zi)fr ,d vU; nwljk izeq[k nks’k jgk gSA vf/kfu;e esa

izfrcU/k gksus ds dkj.k] lkekU; rkSj ij ,llh,vkjMh cSad] vHkh

gky gh rd _.k forfjr dj ikus vYidkyhu mn~ns”; gsrq esa

vleFkZ FksA gky ds o’kksZa esa] vf/kdka”k jkT;ksaa esa ,vkjMh cSad vius

nh?kZdkyhu _.kh lnL;ksa dh vYidkyhu _.k vko”;drkvksa dks

Hkh lnL;ksa ds tek laxzg.k ls vftZr dks’k rFkk ,ulhMhlh ls

vYidkyhu iquZfoRr o cSafdsx iz.kkyh ds ek/;e ls iwjk dj jgsa gSaA

fQj Hkh ,vkjMh cSad vHkh Hkh Qlyh _.k 7 izfr”kr okf’kZd dh nj

ij nsus esa vleFkZ gSa D;ksafd Hkkjr ljdkj dh Qlyh _.k C;kt

vuqnku ;kstuk ,vkjMh cSadksa ij ykxw ugha fd;k x;k gSA

Hkkjh cdk;k rFkk ”kklu }kjk izk;ksftr ;kstukvksa esa gkfu] ysu&nsu

vkSj tksf[ke ykxr esa i;kZIr ekftZu dh vuqefr fn;s fcuk

fofu;fer C;kt njksa dh yEch vof/k rFkk ;kstuk ds vUrxZr

[kkfjt fd;s x;s _.kksa dh izfriwfrZ fd;s fcuk 1990 esa dsUnz

ljdkj }kjk _.kekQh ;kstuk ds fdz;kUo;u ds dkj.k 90 ds

n”kd ls lajpuk ds laLFkkuksa esa foÙkh; fu’iknu esa fxjkoV vkuk

“kq: gks xbZA oLrqr% mi;qZDr dkj.kksa ls okf.kfT;d cSad] {ks=h;

xzkeh.k cSad rFkk vYidkfyd lgdkjh lk[k laLFkkvksa lfgr lHkh

xzkeh.k foÙkh; laLFkkuksa dks Hkh Hkkjh foÙkh; gkfu mBkuh iM+hA

;|fi okf.kfT;d cSadksa] {ks=h; xzkeh.k cSad rFkk vYidkfyd

lgdkjh lk[k laLFkkvksa dh gkfu;ka ljdkj dh vusd iquZfuekZ.k

izfdz;k ds varxZr iwfjr dj nh xbZa] fdUrq d`f’k ,oa xzkeh.k fodkl

cSada ¼,vkjMhch,l½ dh gkfu;kasa dh {kfriwfrZ vHkh rd ugha gks ikbZ

gSA ;|fi nh?kZdkfyd _.k lajpuk ¼,yVhlhlh,l½ ds fy;s

izksQslj oS|ukFku dh v/;{krk esa xfBr dk;Zny&2 us] ftlesa

,vkjMh cSadksa ds iquiwZathdj.k gsrq dsUnz ,oa jkT; ljdkj }kjk

2006 esa ,dckj lgk;rk ds fy;s iqu#)kj iSdst fn;k tkuk

lfEefyr gS] dh flQkfj”k dh tks vHkh rd fdz;kfUor ugha gks ldk

gSA

iqu#)kj iSdst ds fdz;kUo;u esa vuisf{kr foyEc us vius lnL;ksa

dh _.k vko”;drkvksa dks iwjk dj ikus dh bl lajpuk dh {kerk

dks cgqr vf/kd izHkkfor fd;k gSA bu vlQyrkvksa ds ckotwn ;g

lajpuk vHkh Hkh izkalafxd gS ftls d`f’k _.k ds dqy izokg esa

fuos”k _.k ds vuqikr esa vkbZ rhoz fxjkoV dks jksdus ds fy, lqn`<+

nh?kZ dkyhu lgdkjh lk[k lajpuk ¼,yVhlhlh,l½ esas eqn~ns ,oa

pqukSfr;ka

- 12 -

60dr¨dm{f©H [anmoQ ©2019-2020

cuk;s tkus dh vko”;drk gSA lajpuk ds iqu#)kj esa

,llh,vkjMh cSadksa vkSj ihlh,vkjMh cSadksa dk xzkeh.k {ks= esa

izfrLi/kkZRed ifjos”k esa d`f’k esa izHkkoh <ax ls i¡wth fuekZ.k ij

dsfUnzr foÙkh; lsok;sa iznku djus okys vkRe fuHkZj lnL; lapkfyr

laLFkku esa :ikUrj.k fd;k tkuk lfEefyr gSAa

olwyh dh fujUrj fcxM+rh fLFkfr;ka ,vkjMhcSadksa ds le{k nwljh

izeq[k pqukSrh gSA cqfu;knh Lrj ij dqy vkSlr _.k olwyh dqN

o’kksaZ ls 50 izfr”kr ds vkl&ikl gh cuh gqbZ gSA ;|fi Hkwfe ca/kd

fd, tkus ls _.k lqjf{kr gSa fdUrq dqN jkT;ksa esa d`f’k Hkwfe ds

fodz; ds }kjk olwyh djuk dfBu gSA lajpuk dh fuos”k _.k ds

lkFk mRiknu _.k@dk;Z”khy iwWath _.k ns ikus esa vleFkZrk ds

ifj.kkeLo:i mu _.k ykHkkfFkZ;ksa dks tks nwljh vU; laLFkkvksa ls

vYidkyhu _.k ugha ys ikrs gSa] dks iwjk ykHk ugha fey ikrk gSA

blds vfrfjDr ftu ,vkjMh cSadksa usa vYidkyhu _.k vkSj cpr

[kkrk lqfo/kk;sa izkjEHk ugha dh gSa] os vius _.k ykHkkfFkZ;ksa ls

fu;fer lEidZ cuk ikus eas vleFkZ gSa tks Åaph njksa dh _.k olwyh

ds fy, vko”;d gSA ;|fi _.k ekQh ,d ckj ds mik; ds :i esa

dh tk ldrh gS fdUrq ;gh Hkfo’; esa vkxs _.k ekQ gks tkus dh

vis{kkvksa dks Hkh c<+krh gS fdUrq blls d`f’k _.k O;oLFkk] tks

lalk/kuksa ds iqukorZu ds fcuk dk;Z ugha dj ldrh] iwjh rjg

/oLr gks ldrh gSA

- 13 -

60dr¨dm{f©H [anmoQ ©2019-2020

d`f’k ,oa xzkeh.k fodkl cSafdax ds bfrgkl esa egRoiw.kZ ?kVuk 1960

esa jk’Vªh; lgdkjh d`f’k ,oa xzkewh.k fodkl cSaDl QsMjs”ku fy-

¼,ulh,vkjMhch,Q½ dh LFkkiuk jgh gSA vius LFkkiuk dky ls gh

QsMjs”ku bl {ks= ds fodkl ds fy;s egRoiw.kZ Hkwfedk dk fuoZgu

dj jgk gSA blus ,d izHkkoh leUo; LFkkfir fd;k gS rFkk lnL;

cSad ds e/; vkilh le> dks c<k;k gS rFkk dsUnz vkSj jkT;

ljdkjksa] ukckMZ rFkk ,llh,vkjMh cSadksa dks foÙk iks’k.k djus okyh

laLFkkvksa ls fudV lEcU/k fodflr fd;s gSaA QsMjs'ku dh vU;

xfrfof/k;ksa esa & laxksf’B;ksa ,oa dk;Z”kkykvksa dk vk;kstu]

vuqla/kku v/;;u djkuk rFkk vius fu;kstu vuqla/kku ,oa

fodkl ¼ihvkjMh½ izdks’B ds ek/;e ls ;kstuk ,oa dk;Zdzeksa dk

fuekZ.k] lnL; cSadksa ds fdz;k dykiksa lEcU/kh vkadM+ksa dk ladyu

,oa izdk”ku] v/;;u nyksa dk izk;kstu] _.k i=ksa ds fuos”k esa

lgleUo; LFkkfir djuk] fo”ks’k izf”k{k.k dk;Zdzeksa dk vk;kstu]

izpkj dk;Z] lapkyu ,oa iz”kklu ls lEcfU/kr ekeyksa esa ekxZn”kZu

,oa lykg nsuk] lfEefyr gSA foxr 56 o’kksZa ls QsMjs”ku }kjk

izdkf”kr djk;s tk jgs =Sekfld yS.M cSad tjuy us fo”ks’k [;kfr

vftZr dh gSA QsMjs”ku vius lnL; cSadksa dks u;s mRiknksa ds

:ikadu ds }kjk O;olk; fodkl vkSj foLrkj esa Hkh lgk;rk iznku

djrk gSA

iquZi¡wthdj.k ,oa lq/kkj] Lo&izsfjr lq/kkjksa dh igy ds fy,

,llh,vkjMh cSadksa dk ekxZn”kZu rFkk lalk/kuks ds laxzg.k ds fy;s]

lnL; cSadksa dk ekxZn”kZu ,oa lg;ksx] olwyh ,oa vutZd

ifjlEifÙk;ksa dk izcU/ku rFkk O;olk; lao/kZu ,oa fofo/khdj.k

lfgr iqu#)kj iSdst ds fdz;kUo;u ds fy, ljdkj ls iSjoh]

QsMjs”ku dh xfrfo/k;ksa ds egRo okys {ks= o’kZ ds nkSjku Hkh cus

jgsA

dqN o’kksZa ls dsUnz ljdkj ls iqu#)kj iSdst dh fujUrj ekax djrs

jguk] QsMjs”ku dh iSjoh dk izeq[k dsUnz fcUnq cuk gqvk gSA

nh?kZdkyhu lgdkjh lk[k lajpuk ds fy, iqu#)kj iSdst fn,

tkus dh laLrqfr oS|ukFku VkLd QkslZ }kjk 2006 esa dh xbZ Fkh

rFkk Hkkjr ljdkj us 2008&09 ds dsUnzh; ctV esa blds

fdz;kUo;u dh ?kks’k.kk dh FkhA rnuUrj dsUnzh; ctV 2009 }kjk

iqu#)kj ;kstuk dk vuqeksnu Hkh dj fn;k x;k Fkk tks ml le;

gh dnkfpr 2009 ds yksdlHkk pquko dh ?kks’k.kk gks tkus ds

ifjpkfyr ugha fd;k tk ldk Fkk] dks mlds rqjUr ckn vf/klwfpr

fd;k x;k FkkA pquko ds ckn foÙk ea=ky; us _.k ekQh ;kstuk ds

fdz;kUo;u rFkk 2008 dh _.k ekQh ;kstuk ds ifjizs{; es

iqu#)kj ;kstuk dh leh{kk djus gsrq rRdkyhu vij lfpo ¼foÙk½

Jh prqosZnh dh v/;{krk esa ,d lfefr dk xBu dj fn;kA prqosZnh

desVh us nh?kZdkyhu lgdkjh lk[k lajpuk ds fy, iqu#)kj

;kstuk ds fdz;kUo;u dh laLrqfr dqN ekewyh la”kks/kuksa ds lkFk

viuh vk[;k Qjojh 2010 dks lkSaihA rFkkfi] mlds ckn ls mlds

fdz;kUo;u gsrq vHkh rd dksbZ vfxze dk;Zokgh ugha dh xbZ gSA

aQsMjs”ku le; le; ij bl ekeys dks ljdkj esa iz/kkuea=h ,oa

i{k tqVko @iSjoh djuk

,vkjMh cSadksa ds fy, iqu#)kj iSdst

i{k tqVko @iSjoh djuk

,vkjMh cSadksa ds fy, iqu#)kj iSdst

2019&20 ds nkSjku QsMjs”ku

- 14 -

60dr¨dm{f©H [anmoQ ©2019-2020

foÙk ea=h lfgr vusd vf/kdkfj;ksa ds le{k Hkh mBkrk jgk gSA bl

fo’k; ij QsMjs”ku us ekuuh; lkalnksa dh ,d cSBd Hkh vk;ksftr

dhA QsMjs”ku us bl o’kZ ds dsUnzh; ctV ds volj ij d`f’k {ks= esa

i¡wth fuekZ.k dks c<+kok nsus rFkk lnL; fdlkuksa }kjk _.k ds ladV

dk lkeuk djus ds fy, nh?kZdkyhu lgdkjh lk[k lajpuk dh

laLFkkvksa ds iqu#)kj dh vko”;drk dk mYys[k djrs gq, bl

ekeys esa ,d u;k Kkiu ekuuh; iz/kkuea=h dks fn;k gSA iSdst ds

fdz;kUo;u esa foyEc us ,vkjMh cSadksa dh foÙkh; detksfj;ksa dks

vkSj vf/kd fod`r dj fn;k gS rFkk mudh yxHkx 107 yk[k d`’kd

lnL;ksa tks lkekU;r% fdlh nwljh laLFkk ls _.k izkIr dj ikus esa

vleFkZ gSa D;kasfd mudh d`f’k ;ksX; Hkwfe ,vkjMh cSadksa ds ikl igys

las gh cU/kd gS] dh _.k vko”;drkvksa dks iwjk djus dh {kerk dks

Hkkjh ek=k esa de dj fn;k gSA muds }kjk lkeuk fd, tk jgs _.k

ds ladV ds fuokj.k dk ,dek= mik; izLrkfor iqu#)kj iSdst

dk fdz;kUOk;u gSA ;fn iqu#)kj fd;k x;k rks orZeku esa izeq[k

jkT;ksa esa dk;Zjr 2600 cSad 'kk[kkvksa ds usVodZ dh orZeku _.k

forj.k {kerk tks yxHkx 5000 djksM+ gS] dks brus de le; esa Hkh

de ls+ de 5 xquk c<+k;k tk ldrk gSA

jkT; ljdkjksa vkSj ukckMZ nh?kZdkyhu lgdkjh lk[k lfefr;ksa¼,yVhlhlh,l½ dh laLFkkvksa ,oa fgr /kkjdksa ds e/; vke /kkj.kk gSfd ,vkjMh cSadksa dks] mUgsa vius lnL;ksa dh _.k dh vko”drkvksadks iwjk djus dh {kerk;qDr cukus ds fy;s lalk/ku vk/kkfjri;kZIr:i ls fu;fer cSadksa ds :i esa ifjofrZr dj fn;k tkukpkfg;s rFkk xzkeh.k lk[k lapkyu O;oLFkk esa budh izklafxdrk dksiquLFkkZfir dj fn;k tkuk pkfg;sA diwj lfefr] ftUgksus viuhfjiksVZ 1999 esa izLrqr dh Fkh] dh lcls izeq[k laLrqfr ,vkjMh cSadksadks iw.kZ:is.k cSafdax laLFkku ds :i esa ifjorZfr fd;k tkuk FkhAdiwj lfefr dh flQkfj”k ds vk/kkj ij] Hkkjrh; fjt+oZ cSad us ebZ2002 esa ,vkjMh cSadkasa ds iw.kZ:is.k cSad esa ifjofrZr fd;s tkus dsekin.M fu/kkZfjr djus gsrq ,d dk;Zny dk xBu fd;k FkkArFkkfi] dqN cSBdksa ds mijkUr] bl vkadyu ds lkFk fd mudhfoÙkh; fLFkfr rFkk dk;Z fu’iknu “kSyh dks ns[krs gq, ,vkjMh cSadksadks iw.kZ:is.k cSad esa ifjofrZr fd;s tkus dk le; ugha vk;k gS] lslEcf/kr mudh vk[;k izLrqr fd;s tkus ls igys gh dk;Zny Hkaxdj fn;k x;kA ckn esa oS|kukFku dk;Zny&AA us Hkh viuh fjiksVZesa flQkfj”k dh fd] ^^;fn fu/kkZfjr frfFk rd vFkok Hkfo’; esalajpuk dh dksbZ laLFkk cSafdax ykblsUl ikus ds fy;s fu/kkZfjr “krksZadks iwjk djrh gS] cSafdax fu;ked mls mldh ;ksX;rk ds vk/kkj ijfopkj dj ldrk gS**A ;|fi cSafdax fu;ked us ,vkjMh cSdksa }kjk

cSafdax ykblsUl izkIr djus ds fy;s vko”;d “krsZa vHkh rdfu/kkZfjr ugha dh gSaA ,vkjMh cSadks dks ykblsUl fn;s tkus esa nwljhleL;k blds vius lajpukRed Lo:i dh gSA cSafdax fu;kedvf/kfu;e ds izko/kkuksaa ds vuqlkj dsoy jkT; lgdkjh cSad vFkokizkFkfed lgdkjh cSad cSafdsx ykblsal izkIr djus ds ik= gSaA jkT;ljdkj }kjk dsoy ,d jkT; lgdkjh cSad rFkk ,d ft+yk dsUnzh;lgdkjh cSad dks dze”k% jkT; vkSj tuin dh izeq[k lgdkjhlfefr ds :i esa ifjHkkf’kr] dj vf/klwfpr fd;k x;k gSA pwafdfdlh Hkh ,llh,vkjMh cSad vFkok ihlh,vkjMh cSad dks fdlh HkhjkT; vFkok tuin gsrq izeq[k lgdkjh lfefr ds :i esa jkT;ljdkj }kjk vf/klwfpr ugha fd;k x;k gS] ;s jkT; lgdjh cSadvFkok ft+yk lgdkjh cSad dh Js.kh ds cSafdax ykblsal ds fy;s ik=ugha gSaA ;|fi cSafdax fu;ked ds fo|eku izkfo/kku ds vUrxZr],vkjMh cSadksa dks vHkh Hkh izkFkfed lgdkjh cSad ds :i esa ykblsUlfn;k tk ldrk gSA ,dkRed ,llh,vkjMh cSad fcuk fdlhlajpukRed Qsj cny ds izkFkfed lgdkjh cSad dk ykblsal izkIrdjusa ds ;ksX; gSa vkSj la?kh; ,llh,vkjMh cSdksa ds e/;] ;fncSafdax ykblsal izkIr djus ds fy;s vko”;d gqvk rks muesa,dkRed lajpuk dks vaxhdkj dj ysus ds izfr vke lgefr gSAQsMjs”ku }kjk bl eqn~ns ij fd;s x, izfrfuf/kRo ds izfrmÙkj esa]Hkkjrh; fjt+oZ cSad us vHkh gky gh esa] fcuk dksbZ fo”ks’k dkj.k crk;s;g lwfpr fd;k gS fd lq>ko ds i{k esa fopkj ugha fd;k tk ldkgSA QsMjs”ku Hkkjr ljdkj ,ao Hkkjrh; fjtoZ cSad ds le{k yxkrkjvius izLrko dk vuqlj.k dj jgk gSA

Qly _.k fdz;kUo;u ds fy, Hkkjr ljdkj dh C;kt vuqnku

;kstuk orZeku esa ,vkjMh cSadksa ls Qly _.k lqfo/kk izkIr djus

okys fdlkuksa ij ykxw ugha dh xbZ gSA QsMjs”ku mu laLFkkuksa

ftuds ek/;e ls Qlyh _.k vuqnku ;kstuk ykxw gksrh gS] dh

lwph esa ,llh,vkjMh cSadksa dks lfEefyr djkus gsrq foÙk ea=ky;

ls fujUrj bl eqn~ns ij fopkj djus ds fy;s iz;kljr gSA

,llh,vkjMh cSadks dks Qly _.k iqufoZÙk iznku djkus dk nwljk

fodYi ,l lh cSaadksa ds ek/;e ls ,llh,vkjMh cSadksa dks Lohd`r

Qly _.k dh lhek rd fof”k’V vfrfjDr vkoaVu miyC/k

djkuk gSA ukckMZ ds v/;{k us QsMjs”ku ds izfrfuf/k;ksa ds lkFk

fnukad 6 ekpZ 2019 dks lEiUu cSBd esa lwfpr fd;k fd bl

izLrko ds fdz;kUo;u ij cgqr rsth fopkj fd;k tk jgk gS] vxj

bls ykxw fd;k x;k rks ,llh,vkjMh cSad vU; cSadksa }kjk fn;s tk

jgs C;kt nj ij gh vius nh?kZdkyhu _.kh lnL;ksa dks Qly _.k

iznku djk ldsxkA

,vkjMh cSadksa dk cSadks ds :i esa iquxZBu

Qlyh _.k vuqnku ;kstuk

- 15 -

60dr¨dm{f©H [anmoQ ©2019-2020

lq/kkj dh igy

lq/kkj dh igy gsrq dksjxzqi ¼lhthvkjvkbZ½

,llh,vkjMh cSadksa }kjk xfBr lq/kkj dh igy gsrq dksjxzqi

¼lhthvkjvkbZ½ dh fu;fer cSBds vf/kdka”k cSadksa esa lEiUu gks jgh

gSaA lhthvkjvkbZ cqfu;knh Lrj ij Lo&izsfjr lq/kkjksa dks etcwr

djus ij /;ku ns jgk gSA lhthvkjvkbZ lalk/ku tqVkus rFkk u;s

mRiknksa dks ykus] egRoiw.kZ {ks=ksa dh igpku rFkk ,llh,vkjMh

cSadksa dh Js.kh lq/kkj gsrq lq/kkjkRed dk;Zokgh vusd Lrjksa ij

izkf/kdkj ,oa tokcnsgh ds lkFk lkFk ,uih, izcU/ku ,oa olwyh

dk;kZRed {ks=ksa dh lqlaxr uhfr;ksa ,oa vPNh rjg ls izysf[kr

izfdz;k fodflr djus dh n`f’V ls fu;ekoyh fuekZ.k lfgr

lalk/ku tqVkus ds u;s ekxksZa ds izHkko dh Hkh leh{kk dj jgk gSA

2018&19 ds nkSjku lhthvkjvkbZ cSaBdksa dk dsUnz fcUnq

,llh,vkjMh cSadksa }kjk lalk/ku o`f) ij tksj nsus] O;kikj foLrkj]

,uih, izcU/ku rFkk dEI;wVªhdj.k ds lkFk fo”ks’k iqu#)kj dh

;kstukvksa dh rS;kjh vkSj mudk fdz;kUo;u FkkA 2019&2020 ds

nkSjku izcU/k funs”kd us ,llh,vkjMh cSad xqtjkr vkSj jktLFkku

}kjk vk;ksaftr lhthvkjvkbZ dh nks cSBdksa esa Hkkx fy;k rFkk

mudk ekxZn”kZu fd;kA

2012 rFkk 2014 esa QsMjs”ku }kjk vk;ksftr djk, x;s lgdkfjrk

ds izeq[k lfpoksa vkSj fucU/kd lgdkjh lfefr;ksa ds nks lEesyuksa esa

,vkjMh cSadksa dh fof/kd ,oa uhfrxr okrkoj.k dks lq/kkjus rFkk

viuh lkekU; dk;Ziz.kkyh esa lq/kkj ykus ds fy, vusd egRoiw.kZ

laLrqfr;ka dh xbZaA ljdkj dh xkj.Vh fn;s tkus esa ,llh,vkjMh

cSadksa dks izkFkfedrk ds lkFk lkFk izfdz;k dks ljyhd`r fd;k

tkuk] blds vykok xkj.Vh “kqYd esa NwV vFkok NwV fn;s tkus dh

lEHkkouk u gksus ij bl “kqYd dks U;wure j[kuk] ukckMZ }kjk iznÙk

iquZfoÙk dh deh dks iwjk djus gsrq Hkkjr ljdkj ds lkFk leku

;ksxnku ds fy, i;kZIr ctV vkoaVu djkuk] LVkEi M~;wVh rFkk

iathdj.k “kqYd ekQ djkuk&tks vHkh dqN jkT;ksa }kjk fd;k tkuk

gS] _.k izys[k iz.kkyh dh “kq#vkr ftls cSad }kjk fu’ikfnr djus

rFkk mUgsa lh/ks gh fcuk d`’kd dks “kkfey fd;s cSad }kjk gh lc

jftLVªkj dks Hkstuk & bls vHkh dqN jkT;ksa }kjk 'kq: fd;k tkuk

gS] gBh cdk;snkjksa ds ifjizs{; esa olwyh fof/kd mik;ksa esa izfrjks/kksa

dks nwj djuk] cSad vf/kdkfj;ksa esa Hkwfe fodz; ds vf/kdkj dh

“kfDr;ka fufgr djuk ftldk fdz;kUo;u vHkh dqN jkT;ksa }kjk

vHkh rd ugha fd;k x;k gS] dqN jkT;ksa }kjk tgka vHkh ;g ykxw

ugha fd;k x;k gS] ,vkjMh cSadksa dks fu{ksi tek Lohdkj djus dh

vuqefr fnyk;k tkuk ,vkjMh cSad@jkT; lgdkjh lfefr

vf/kfu;e esa la”kks/ku djrs gq, ,vkjMhcSadksa dks vYidkyhu _.k

vko”;drkvksa dks iwjk djus ds fy;s l{ke cukuk] vuqeksfnr LVkQ

iSVuZ ij dfeZ;ksa dh HkrhZ ds fy, ljdkj ds i`Fkd vuqeksnu fn,

tkus dh izFkk dks lekIr djkuk vkfn jkT; ljdkj ls lEcfU/kr

dqN egRoiw.kZ laLrfrq;ka mijksDr lEesyu esa dh xbZA QsMjs”ku

jkT; ljdkjksa ds lkFk fujUrj bu laLrqfr;ksa dk vuqorZu dj jgk

gSA

vuqiwjd fuos”k _.k ds fy;s vkSj vfrfjDr foÙkh; lg;ksx dk

vHkko d`f’k ,oa xzkeh.k fosdkl cSadksa dh dk;Ziz.kkyh dh cgqr cM+k

nks’k gSA d`f’k ,oa xzkeh.k fodkl cSad lk/kkj.kr;k vius lnL;ksa dks

dsoy nh?kZdkyhu _.k iznku djkrs gSa rFkk mUgsa vYidkyhu

vko”;drkvksa ds izfr vyH; j[k dj mUgsa Åaph C;kt njksa ij

_.k ds vukSipkfjd L=ksarksa ij fuHkZj cuk jgus nsrs gSaA

vYidkyhu _.kksa dh vi;kZIr miyC/krk ls d`f’k ,oa xzkeh.k

fodkl cSadksa }kjk foÙkiksf’kr nh?kZdkyhu ifjlEifÙk;ksa dk

mi&b’Vre mi;ksx gksrk gS ftlls _.kh lnL; dh vk; rFkk

iquZHkqxrku {kerk izHkkfor gksrh gSA blds vfrfjDr] vukSipkfjd

_.k dh Åaph ykxr lnL; }kjk cSad ls fy;s x;s _.k ds

iquZHkqxrku djus dh {kerk dks de dj nsrk gSaA le; ls _.k ds

Hkqxrku fy;s _.kh lnL; dk cSad ds lkFk yxkrkj lEidZ cuk;s

j[kuk cgqr vko”;d gSa] tks fuos”k _.k fuxZeu ds mijkUr vkxs

_.k dk lg;ksx u fey ikus ds dkj.k Hkh lEHko ugha gks ikrk gSA

vuqiwjd _.k dh lhek fu/kkZfjr djuk ftlls nh?kZdkyhu _.kh

lnL; dkss pdzh; uxn _.k dh rjg lapkfyr fd;k tk ldrk gS]

vYidkfyd vko”;drkvksa dks iwjk djus ds lkFk _.kh lnL;ksa ls

c<+s lEidZ ds dkj.k olwyh esa lq/kkj rFkk _.kh lnL; dh _.k ds

fy;s vukSipkfjd L=ksrksa ij fuHkZjrk esa deh nksuksa mn~ns”;ksa dh

iwfrZ gksxhA ;kstuk ds eq[; igyw fuEuor gSa %&

lcls igys] ,llh,vkjMh cSadksa dks foÙkiks’k.k ds fy, /ku

dh vko”;drk dk vkadyu djuk pkfg;s rFkk ¼lkof/k½ tek

,ulhMhlh ls _.k] vYidkyhu lk[k lajpuk] okf.kfT;d

cSadks vkfn ls visf{kr /ku ds laxzg.k dh O;oLFkk djuk

pkfg;sA

,llh,vkjMh cSadksa dks uhfrxr lacy c<+kus ds fy, jkT; ljdkjksa

ds lkFk vuqorZu

nh?kZdkfyd _.kh lnL;ksa dh vYidkfyd _.k vko”;drkvksa ds

fy;s _.k lhek

�

,llh,vkjMh cSadksa dks uhfrxr lacy c<+kus ds fy, jkT; ljdkjksa

ds lkFk vuqorZu

nh?kZdkfyd _.kh lnL;ksa dh vYidkfyd _.k vko”;drkvksa ds

fy;s _.k lhek

- 16 -

60dr¨dm{f©H [anmoQ ©2019-2020

�

�

�

�

�

�

�

/ku dh miyC/krk ij fuHkZj jgrs gq, _.k lhek dk fu/kkZj.k

lnL; dks Lohd`r fuos”k _.k dh fu/kkZfjr izfr”krrk ds

vuqlkj fd;k tk ldrk gSaA

u, nh?kZdkyhu _.kksa ds lEcU/k esa] _.k lhek ,d vfuok;ZvfrfjDr ?kVd gksuk pkfg,A fo|eku _.kksa ds ekeyksa esa;fn _.k dk cdk;k@vfr ns; ugha gSa rks _.k lhek Lohd`rdh tkuh pkfg,A

_.k lhek dh ek=k dk fu/kkZj.k vko”;drk] iquHkZqxrku{kerk] lqj{kk rFkk /ku dh miyC/krk ds vk/kkj gksuk pkfg,ftls fu/kkZfjr mn~ns”; ds fy;s mi;ksx fd;k tk ldrk gSA

_.k lhek nh?kZ dkyhu _.k ij nh tk jgh lqj{kk dsvfof”k’V cktkj ewY; ds vk/kkj Lohd`fr dh tk ldrh gSA

_.k lhek dk lapkyu frekgh C;kt ds Hkqxrku rFkk vnÙkewy/ku ds iquZHkqxrku dh le; lhek lekfIr ij _.khlnL; }kjk pdzh; uxn _.k dh Hkkafr lapkfyr fd;kldrk gSA

_.k lhek] tks ,d o’kZ ds fy;s Lohd`r dh tk;] mls vU;_.kksa ds le; ij Hkqxrku fd, tkus ds lkFk fu/kkZfjr fu;evkSj “krksZa dks iwjk djus dh n”kk easa gh mls vkxkeh o’kksZa dsfy;sa uohuhd`r fd;k tk;A

_.k lhek ij C;kt =Sekfld vk/kkj ij okLrfod vkgj.kds vk/kkj ij izHkkfjr fd;k tk;A

,llh,vkjMh cSadks rFkk ihlh,vkjMh cSadkas nksukas ds fy;s]_.k lhek ls vkgj.k ij C;ktnj dk fu/kkZj.k] ysu&nsudk;Z vkSj tksf[ke ykxr dks iwjk djus ds fy;s dks’kksa dhykxr esa mfpr ekftZu dks tksM+ dj fu/kkZfjr dh tk;A

QsMjs”ku ds izcU/ku e.My }kjk vHkh gky gh esa lnL; cSadksa dsfy;s fu/kkZfjr vkn”kZ olwyh uhfr fu/kkZfjr dh xbZ] tks _.k ,oaolwyh iz.kkyh esa egRoiw.kZ ifjorZu fd;s x;s gSA cSadksa }kjk _.kolwyh dks] ,d vafre dne ds :i esa ugha ojuk _.k pdz ds ,dvko”;d vax ds :i esa ns[kus dh vko”;drk gS ftlls _.kvf/kdkjh _.k dh iwjh vof/k ds nkSjku ml _.k dh olwyh ds fy;smÙkjnk;h cuk jgsA _.k [kkrksa esa leL;kvksa dh lkef;d Nkuchudjrs jgus ls _.k vnk;xh esa cdk;s ls cgqr gn rd cpk tkldrk gSA d`f’k ds vkof/kd _.kksa esa viukbZ tk jgh ns; frfFk dhfrekgh@Nekgh@okf’kZd fdLr iz.kkyh ls “kq#vkrh igpkueqf”dy gks tkrh gS D;kasfd tc _.k dh /kujkfZ”k dk leL;kxzLrgksuk irk py ikrk gS rc rd ,d ;k vf/kd fdLrsa cdk;k gks

tkrh gSa] _.kh lnL; dh lkekU; fLFkfr esa Hkqxrku dj ikus dh{kerk ls ijs cdk;k /kujkf”k c<+ tkrh gSA d`f’k vusd fof”k’Vtksf[keksa] tSls tyok;q&tksf[ke] dher&tksf[ke] dhVksa ,oachekfj;ksa dh tksf[ke ls xzLr gS]A iz/kkuea=h Qly chek ;kstuk dsek/;e ls Qly chek esa lq/kkjksa ds ckotwn foxr nks o’kksaZ esa Qlychek dk vko`Ùk {ks= fdlkuksa dk 40&45 izfr”kr rd gh lhferjgkA blh rjg ,slh /kkj.kk Hkh c<+ jgh gS fd dsUnz vkSj jkT;ljdkjksa dh vuqnku dh cgqr cM+h /kujkf”k Qly chek ;kstuk dsvUrxZr Qly chek esa tk jgh tksa dsoy chek dEifu;ksa dks ykHkigqWapkrh gSa tc fd Qly chek ;kstuk ds varxZr okf’kZd {kfrifrZds Hkqxrku ds :i esa] oks Hkh _.k forj.k esa dkQh foyEc ds ckndsoy ldy izhfe;e dk 60&65 izfr”kr gh tek fd;k tk ldkgS]A fiNys nks o’kksZa esa iz/kkuea=h Qly chek ;kstuk ¼ih,e,Qokb½ds varxZr ldy izhfe;e dh dqy /kujkf”k #- 470408 djksM+ dslkis{k dqy vnk;xh ek= #- 31613 djksM+ dh gqbZA ;g Hkh ik;kx;k fd bl o’kZ Qly chek ukekadu 15 izfr”kr uhps vk x;k gS]ftlds fy;s cgqr gn rd nkoksa dh laLrqfr rFkk mudas {kfriwfrZikus ds fy;s fd;s x;s ekeyksa dks mRrjnk;h ekuk x;k gSA Qlydh gkfu ds vfrfjDr fdlkuksa dh ifjlEifÙk;ksa dks ekSle dhdBksj vkinkvksa] tks vc cgqr vke gks xbZ gSa] esa izk;% d`f’k lEifÙkds fouk”k o rckgh ds dkj.k dkQh {kfr mBkuh iM+rh gSaA bldslkFk gh lkekU;r;k chek djkus njksa dss dkj.k fdlku d`f’kifjlEifÙk;ksa dk chek djus ls drjkrs gSaA bl leL;k ds funku dsfy;s Qly chek ;kstuk dh gh Hkkafr ljdkj ds vkfFkZd lg;ksxds lkFk d`f’k lEifRRk chek ;kstuk ykxw fd, tkus dh vko”;drkgSA oLrqr% Qly chek ;kstuk ds varxZr l`ftr fd;s x;s cM+svf/k”ks’k ds fgLls dks orZeku esa] bl izdkj dh ;kstukvksa dsfdz;kUo;u ds fy;s iz;qDr fd;k tk ldrk gSA orZeku esa d`f’kifjlEifÙk;ka dqy feykdj chek jfgr gSaA fdlkuksa dh {kfriwfrZfoghu gkfu;kas ds dkj.k cSadks dh] tks bu ifjlEifÙk;ksas ds vk/kkjij foÙk iznku djkrs gSa]muds tksf[ke esa mYys[kuh; o`f) gks tkrhgSA vkn”kZ olwyh uhfr dk lq>ko gS fd cSad dks vius xzkgdksa dksbu tksf[keksa ds izfr tkx#d cukus dk iz;kl djuk pkfg, vkSj_.k dh :i js[kk cukrs le; bu rF;ksa ij /;ku nsuk pkfg;sAvkaf”kd vFkok iw.kZ:is.k [kjkc Qly o’kZ esa] bl izdkj dhgkfu;kas dh lhek vkSj mldk xzkgd dh lEiw.kZ _.k Hkqxrku {kerkij izHkko ij vk/kkfjr d`f’k ds lkof/k _.kksa ds fy, fdLrksa dksiqufuZ/kkfjr djus gsrq izko/kku fd;k tkuk cgqr vko”;d gSAxzkeh.k xzkgdksa esa foÙkh; lk{kjrk dak vHkko gksuk le; ls fdLrksa dsHkqxrku esa vkus okyh nwljh izeq[k ck/kk gSA ,slk ns[kk x;k gS fd tksxzkgd viuh vk; vkSj O;; dk ys[kk&tks[kk ugha j[krs] bPNk vkSj

�

vkn”kZ olwyh uhfr

- 17 -

60dr¨dm{f©H [anmoQ ©2019-2020

lkeF;Z gksus ds ckotwn le; ls vkenuh ds izokg ds [kjkc izcU/kuds dkj.k le; ls _.k vnk;xh dj ikus esa vlQy jgrs gSA,vkjMh cSadksa dks ,sls xzkgdksa dh cpr vkSj cpr [kkrksa dh lqfo/kkiznku djkrs gq;s mudh fu;fer cpr dks lafpr djkus esa lgk;rkdjuh pkfg,A os xzkgd tks fuos”k _.k dh lqfo/kk izkIr dj jgsa gSa]ds _.kksa dh Lohd`fr] dk;Z”khy i¡wth@mRiknu _.kvko”;drkvksa ds foÙkiks’k.k ds fy;s i;kZIr O;oLFkk] xzkgdksa }kjkfy;s x;s _.k ds mi;ksx dh xfrfof/k;ksa dk fu;fer fujh{k.k]le; ls Hkqxrku djus ij izksRlkgu Hkqxrku ;kstuk dk “kqHkkjEHkfd;s tkus dh O;oLFkk] _.k vf/kdkjh dks mlds _.k olwyh dk;Zfu’iknu ij [email protected] O;oLFkk] fu;fer vkSj fujUrjvuqorhZ lqfo/kk ds fy;s fo”ks’k:i ls NksVs _.kksa dh Lohd`fr dsfy;s la?k vk/kkfjr lewg vo/kkj.kk] _.kh lnL; dh _.k izfdz;kdks iwjk djkus esa fujFkZd O;;ksa dks cpkuk] ns; frfFk ls iwoZ vnk;xhij izksRlkgu ds ckjs esa lwfpr djuk] vkSj ns; frfFk ds ckn olwyhds fy;s ,d fu/kkZfjr ekud izfdz;k ds ikyu fd;s tkus ds ckjs esavkxkg djuk] vkn”kZ olwyh uhfr ds vU; izeq[k ckrsa gSaA vkn”kZolwyh uhfr fof/kd olwyh izfdz;k dks olwyh y{;ksa dks izkIr djusds lk/ku dh vis{kk ,d fuokjd ds :i esa vf/kd ekurh gSA defdLrksa esa vfrfjDr vof/k ds fy;s iqufuZ/kkj.k vkSj iquxZBu rFkkvf/kHkkj ds ,d va”k dks ekQ djrs le; vfrns; [kkrksa dksfu;fer djus ds fy;s vuq”kkflr fd;k x;k gS] tc cdk;k iM+usds dkj.k izkekf.kd gSa] mu ekeyksa esa tc xzkgd Hkqxrku djus dhlkeF;Z j[krs gq, Hkh _.k vnk;xh ls cprk gS] bl fLFkfr esafof/kd olwyh izfdz;k gh ,dek= fodYi gSA ;g Hkh ns[kk x;k gSfd _.k olwyh ds fy;s fof/kd izfdz;k dks izHkkoh <ax ls iwjk djysus ij dqN ekeyksa esa nqjkxzgiw.kZ cdk;s dh ?kVukvksaa esa deh ykbZtk ldrh gSA ca/kdxzLr lEifÙk ds fodz; gsrq uhykeh dk jkT;O;kih izpkj djkuk] uhykeh esa vU; tuinksa ds lEHkkfordz;dÙkkZvksa dh Hkkxhnkjh dks lqfuf”pr djuk] tgka vko”;drk gks]lEHkkfor dszrkvksa ds _.kksa dh Lohd`fr djuk] deZpkfj;ksa vkfn dhdeh gksus dh fLFkfr esa fodz; izfdz;k dks iwjk djus ds fy;s ckº;fof/kd L=ksrksa dh enn ysuk vkfn dqN lq>ko gSa tks olwyh esafof/kd izfdzz;k ds fd;kUo;u dks vkSj vf/kd izHkkoh cuk ldrs gSaA

,vkjMh cSad uhps nh xbZ nks ;kstukvksa ds vUrxZr tek laxzg.k dj

jgs gSa %&

1½ ukckMZ vkSj Hkkjrh; fjt+oZ cSad ds 1997 esa fuxZr fuEukfadr

fLFkfr;ks ds v/khu] fn”kk funsZ”kksa ij vk/kkfjr tu lkekU;

rFkk laLFkkvksa dh vkof/kd tekA

vkof/kd tek ,d o’kZ ls vf/kd dk gksuk pkfg,A

vnÙk tek fdlh Hkh le; dqy dk;Z{kerk ds fuoy

ewY; ls vf/kd ugha gksuk pkfg,A

2½ cksMZ ds vuqeksnu ij vk/kkfjr fcuk vkof/kd izfrcU/k vFkok

lhek ds lnL;ksa dh cpr tek o tek Lohdk;ZrkA

lnL;ksa dh vYivof/k tek dh Lohdk;Zrk ij ukckMZ ds }kjk

yxk;s x;s vuqfpr izfrcU/kksa ds dkj.k ,vkjMh cSadksa dks tek

laxzg.k esa fiNys nks o’kZ vuko”;d vojks/k >syuk iM+kA ukckMZ us

vfu;af=r tek ;kstuk 2019 ij izfrcU/k ¼ch;wMh,l,½ ds

vf/kfu;eu ds ckn ;g izfrcU/k gVk fy;kA vfu;af=r tek

;kstuk vf/kfu;e 2019 ds vf/kfu;eu ds lkFk ,vkjMh cSadksa dh

tek ;kstuk ds fofu;eu dk vf/kdkj iw.kZ:i ls lEcf/kr jkT; dh

ljdkj esa fufgr gks x;k gSA vfu;af=r tek ;kstuk vf/kfu;e

2019 ds izko/kkuksa ds vUrxZr] ,vkjMhcSad vius ernku djus okys

lnL;ksa ds lkFk jkT; ljdkj }kjk vuqeksfnr vU; nwljs yksxksa dh

tek dk Hkh laxzg.k dj ldrs gSaA

,vkjMh cSadks }kjk fuos”k _.k ds va”k dks c<+kus ds fy;s Jh okbZ lh

uUnk] HkwriwoZ v/;{k ukckMZ dh v/;{krk esa xfBr dk;Zny dh

laLrqfr;ksa rFkk rnqijkUr 6 ekpZ 2019 dks ukckMZ ds v/;{k ds lkFk

fopkj foe”kZ ds vk/kkj ij] ukckMZ us ,llh,vkjMh cSadksa dks fn;s

tkus okys ,yVhvkjlh,Q iqufoZÙk ds iquZHkqxrku dh vof/k pkyw

foÙk o’kZ ls 9 o’kZ rd ds fy;s c<k;s tkus dks fu”p; fd;k gSA ;s

cSadks dks vYidkyhu vkof/kd iqufoZÙk dks nh?kZdkfyd _.kksa ds

fy;s fuxZfer djus ds dkj.k vfLr;ksa ,oa ns;rkvksa ds vlarqyu ls

cpkus esa lgk;d gksxkA

;|fi iquxfBr iqufoZÙk mRikn ij fj;k;rh C;kt tks

,yVhvkjlh,Q ij ykxw gS] dsoy izFke ikap o’kksZa ds fy;s gh

miyC/k gksxkA ikap o’kZ ds ckn ds vf/k”ks’k cdk;s ij ukckMZ

lkekU; iquZfoZÙk ij izpfyr ns; C;kt NBosa o’kZ ds izkjEHk ls ekax

djsxk tks iquHkqZxrku ds iw.k gksu rd tkjh jgsxkA QsMjs”ku us

vius ifji=kad% 11 ¼fjQkbusUl½ 2019&20@149 fnukad 28 twu

2019 ds }kjk ,llh,vkjMh cSadks dks d`f’k {ks= ds lHkh _.k

vH;fFkZ;ksa dks ,yVhvkjlh,Q dh vis{kkd`r U;wu C;kt njksa ds

ykHk dh miyC/krk cuk;s j[kus ds fy;s d`f’k {ks= esa _.k forj.k ds

fy;s mi;ksx fd;s tk jgs dks’k dh vkSlr ykxr C;kt nj dks

,vkjMh cSadksa }kjk tek laxzg.k&

tek laxzg.k dh ;kstuk

,yVhvkjlh,Q rFkk lkekU; iqufoZÙk lfgr iquxZfBr iqufoZÙk

mRikn

(i)

(iI)

,vkjMh cSadksa }kjk tek laxzg.k&

tek laxzg.k dh ;kstuk

,yVhvkjlh,Q rFkk lkekU; iqufoZÙk lfgr iquxZfBr iqufoZÙk

mRikn

- 18 -

60dr¨dm{f©H [anmoQ ©2019-2020

fu/kkZfjr djus dh lykg nh gSa D;ksafd ,yVhvkjlh,Q ds /ku ds

lg;ksx dh iqf’V fof”k’V _.k ds lkis{k] _.k ds C;kt nj dc

fu/kkZfjr gksxh] mldh Lohd`fr vFkok Hkqxrku ds le; ugha dh tk

ldrhA ;|fi ukckMZ ,yVhvkjlh,Q iqufoZÙk 9 o’kksZ rd ds fy;s

fn;s tkus dh vuqefr iznku djrk gS fQj Hkh cSadksa o _.kh lnL;ks

ds fy;s 5 o’kksZsa ds fy;s _.k fuxZeu ykHkdkjh gksxk rFkk ewy:i

ls mPprj C;kt nj dks /;ku esa j[krs gq;s tgka rd lEHko gks 5 o’kZ

ds ,yVhvkjlh,Q iqufoZÙk dk ykHk mBkuk tkjh j[ksaa D;ksafd ;g

iqufoZÙk izkjEHk ds ikap o’kksZ ds ckn udkjkRed :i ls iquHkZqxrku@

_.k vnk;xh dks izHkkfor djsxkA

jk’Vªh; lgdkjh d`f’k ,oa xzkeh.k fodkl cSaDl QsMjs”ku us 21uoEcj 2019 dks ubZ fnYyh esa ,vkjMh cSadksa dh jk’Vªh; laxks’Bh dkvk;kstu fd;kaA lgHkkfx;ksa esa jkT; lgdkjh d`f’k ,oa xzkeh.kfodkl cSadksa ds lkFk jkT; lgdkjh cSdksa ds QsMjs”ku ds lnL;]vusd jkT;ksa ds 114 ihlh,vkjMh cSad rFkk ukckMZ] ,ulh;wvkbZ],ulhMhlh] us”kuy bUQkesZ”ku ls.Vj rFkk vusd jk’Vªh; QsMjs”kuksads izfrfuf/k FksA ^^d`f’k ,oa xzkeh.k _.k O;oLFkk esa ,vkjMh cSadksa dhHkwfedk dks c<+kus gsrq vkUrfjd lq/kkjksa dk l?kuhdj.k** laxks’Bh dkewy fo’k; FkkA mn?kkVu l= ds ckn laxks’Bh ds ewy fo’k; vkSjrhu O;olkf;d l=ksa esa mifo’k;ksa dk izLrqrhdj.k fd;k x;kaAlaxks’Bh dk mn?kkVu ekuuh; d`f’k jkT; ea=h d`f’k ,oa d`’kddY;k.k Jh iqj’kksÙke :ikyk }kjk fd;k x;kA vk;kstu dhv/;{krk MkDVj pUnziky flag lkaln] v/;{k ,ulh;wvkbZ us dhA,ulh,vkjMhch,Q ds v/;{k Jh ds f”konklu uk;j us laxks’Bh esavk;s vfrfFk;ksa ,oa izfrfuf/k;ksaa Lokxr fd;kA laxks’Bh dsO;kolkf;d l= esa ewy fo’k; d`f’k ,oa xzkeh.k lk[k esa ,vkjMhcSadksa dh Hkwfedk dks c<+kus gsrq vkUrfjd lq/kkjksa dk l?kuhdj.k ijfopkj xks’Bh] ,yVhlhlh,l ds Hkfo’; ds ckjs esa ukckMZ dkn`f’Vdkas.k] ,yVhlhlh,l esa ekuo lalk/ku ifjn`”;] d`’kdmRiknd laxBu] ,yVhlhlh,l ds lanHkZ esa nj&fu/kkZj.k rFkktksf[ke izcU/ku] d`f’k lrr fodkl ,oa d`f’k lgdkfjrk,a] ,vkjMhcSadksa es dEI;wVªhdj.k lfEefyr FksA Jh okbZ lh uUnk] HkwriwoZ v/;{kukckMZ] Jherh lfjrk vjksjk eq[; egk izcU/kd ukckMZ] MkDVj ,-oh- Hkokuh”kadj] mi egkizcU/kd ukckMZ] Jh Mh-ds- Msdkrs] lgk;degkizcU/kd] ,Q,lMhMh & ukckMZ] Jh ih-oh- izHkw] HkwriwoZ eq[;dk;Zdkjh vf/kdkjh ,ulh,vkjMhch,Q ,oa VªLVh lfpo,uvkbZvkjch] Jh lR; ukjk;.k eq[; dk;Zdkjh vf/kdkjh,ulh;wvkbZ] izksQslj vkyksd feJk] eSustes.V Msoyies.VbaLVhV~;wV] xq#xzke] Jh Mh- ,u- Bkdqj] HkwriwoZ mi izcU/k funs”kd]

,ulhMhlh] Jh oSHko vxzoky] mi funs”kd] us”kuy bUQkesZs”kuls.Vj us laxks’Bh l= esa esa vius fopkj izLrqr fd;sA

oS|ukFku VkLd QkslZ&AA }kjk fn;s x;s lq>koksa lajpukRed

lq/kkjksa ds fdz;kUo;u esa dsUnz vkSj jkT; ljdkj dk leFkZu

,oa lg;ksx vko”;d gSA

Hkkjr ljdkj dks vfoyEc ,vkjMh cSadksa ds iquZi¡wthdj.k ij

fopkj djuk pkfg;s D;ksafd dsoy ;gh d`f’k esa i¡wth fuekZ.k esa

lgk;rk iznku djkus okys mfpr ek/;e gSa ftUgsa iqufuZek.k

izfdz;k esa cfg’d`r j[kk x;k gSA

Qlyh _.k C;kt jktdh; vuqnku ;kstuk dks ,vkjMh cSadksa

ds _.kh d`’kdksa dks oguh; ykxr ij Qlyh _.k fnykus

gsrq foLrkfjr fd;k tk;A

Hkkjrh; fjt+oZ cSad@Hkkjr ljdkj dks ik= ,llh,vkjMh

cSadksa dks cSad ds :i esa vf/kekU; dj ykblsUl nsus gsrq

ekun.M fu/kkZfjr djus dh vko”;drk gSA

jkT; ljdkj ls fgr/kkjd ds lkFk feydj ,d jkT; Lrjh;

lfefr xfBr djus gsrq vkxzg fd;k tk ldrk gS] ukckMZ

,vkjMhcSadks dh dk;Z iz.kkyh dk v/;;u djsa rFkk mUgsa

lqn`<+ cukusa ds mik; crk;sA

vfu;af=r tek ;kstuk ij izfrcU/k ¼ch;wMh,l,½ ds

vf/kfu;e 2019 ykxw gks tkus ds ifj.kkeLo:i vYidkyhu

L=ksrksa ds foLrkj gsrq jkT; ljdkjksa dks tek ;kstukvksa

izkRlkgu esa lg;ksx djuk pkfg,A

ukckMZ fdQk;rh C;kt nj ij Qlyh _.k fn;s tkus ds fy;s

iqufoZÙk lg;ksx nsus ij fopkj djsA dks’k dh vkSlr ykxr esa

deh djus gsrq ,yVhvkjlh,Q ls lg;ksx c<+kA ;fn ljdkj

dh xkj.Vh ds }kjk tksf[ke izfrjf{kr gS rks iqufoZÙk dh

tksf[ke ykxr dks lekIr djukA

,vkjMh cSadksa dh jk’Vªh; laxks’Bh 2019

laxks’Bh dh izeq[k laLrqfr;ka@dk;ZfcUnq uhps lwphc) gSaA

¼dk;Z visf{kr&jkT; ljdkj@

Hkkjr ljdkj½

¼dk;Z visf{kr&Hkkjr

ljdkj½

¼dk;Z visf{kr& Hkkjr ljdkj½

¼dk;Z visf{kr&

Hkkjr ljdkj@Hkkjrh; fjt+oZ cSad½

¼dk;Z visf{kr& jkT; ljdkj½

¼dk;Z visf{kr&jkT;

ljdkj½

¼dk;Zokgh visf{kr &

ukckMZ½

jkT; ljdkj@Hkkjr ljdkj@ fjtoZ cSad vkWQ bf.M;k

ukckMZ

�

�

�

�

�

�

�

,vkjMh cSadksa dh jk’Vªh; laxks’Bh 2019

laxks’Bh dh izeq[k laLrqfr;ka@dk;ZfcUnq uhps lwphc) gSaA

¼dk;Z visf{kr&jkT; ljdkj@

Hkkjr ljdkj½

¼dk;Z visf{kr&Hkkjr

ljdkj½

¼dk;Z visf{kr& Hkkjr ljdkj½

¼dk;Z visf{kr&

Hkkjr ljdkj@Hkkjrh; fjt+oZ cSad½

¼dk;Z visf{kr& jkT; ljdkj½

¼dk;Z visf{kr&jkT;

ljdkj½

¼dk;Zokgh visf{kr &

ukckMZ½

- 19 -

60dr¨dm{f©H [anmoQ ©2019-2020

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

^mi;qDr ,oa mfpr* ekin.M ,oa izcU/ku ls lapkyu esa

xq.kkRed ifjorZu rFkk lfdz; lnL;ksa dh Hkkxhnkjh

lqfuf”pr djukA

QsMjs”ku }kjk vkjEHk fd;s x;s Rofjr _.k olwyh vfHk;ku

jkT; ljdkj ds lg;ksx ds lkFk] u;s mRlkg ds lkFk tkjh

j[kus dh vko”;drk gSA

QsMjs”ku dks ,yVhlhlh,l dh dk;Ziz.kkyh ds vusd

igyqvksa ds v/;;u djus rFkk fofo/k fgr/kkjdksa ds fHkUu

fHkUu {ks=ksa dh foLr`r :Ik js[kk ij vfxze dk;Zokgh djus ds

fy;s muds iquZ#)kj ds mipkjkRed funku ikus ds fy;s

mPpLrjh; xfBr djus dh vko”;drk gSA Hkkjr ljdkj]

bl v/;;u ij vk/kkfjr lajpuk ds rdZlaxr ekaxksa ij

vuqdwy:i ls fopkj djsxhA

,vkjMh cSadksa dks fuos”k _.k dks vkxs c<+kus gsrq fuEukfdr

mik; djus gksxs %&

xzkgd lsok dsUnz rFkk uohu “kSyh dh NksVh “kk[kk,a [kksyuk

rFkk lEHkkouk okys {ks=kksa esa O;kolkf;d laoknnkrk fu;qDr

dj vko`Ùk {ks= vkSj igqap dks c<+kukA

d`f’k ewY; J`a[kyk foÙk iks’k.k esa fofo/krk ykuk ij /;ku nsuk

tksf[ke ewY;kadu rFkk ukckMZ ds iqufoZÙk ds fy;s ik=rk dks

izHkkfor djus okys izkFkfedrk;qDr lEosnu”khy ekeyksa ij

/;ku nsukA

fuEu ds }kjk _.k forj.k ds lalk/kuksa dks c<+kuk %&

_.k forj.k ds voljksa dk foLrkj djuk rFkk mPprj _.k

forj.k {kerk ds fy;s i¡wth vk/kkj dks lqn`<+ djukA

jkT; ljdkj ds vuqeksnu ds lfgr Tkek ;kstukvksa dks

izkjEHk djuk rFkk tek vf/k”ks’k esa fujUrj laxzg.k o`f)

djukA

mRiknu@dk;Z”khyi¡wth@lnL;ksa dh vkdfLed _.k

vko”;drkvksa dks iwjk djus ds fy, vYidkyhu _.k

mRiknksa dks izkjEHk djukA

izkS|ksfxdh dks viukus esa rsth ykuk rFkk izfdz;k dks iwjk

djus ds fy;s le; c)rk dk fu/kkZj.k djuk A

ihlh,vkjMh cSadksa dks cgq&lsok dsUnzksa ds :i esa l{ke cukus

gsrq dne mBkukA

mudh vk; esa o`f) ds fy;s futh igyksa ds lkFk lkFk lnL;ksa

ds mRikn dk izR;{kr% Hk.Mkj.k] izlaLdj.k rFkk foi.ku dk

nkf;Ro ogu djus ds lkFk _.k lgk;rk iznku dj ,Qihvksa

izksRlkfgr djukA

vU; vkj,QvkbZ ls izfrLi/kkZ dk lkeuk djus ds fy;s _.k

vkiwfrZ izfdz;k dks ljy cukukA

foÙkh; :i ls lqn~`<+ ,llh,vkjMh cSad dks okf.kfT;d cSadks

ls vuqdwy “krksZa ij _.k izkIr djus ds fy;s ekU;rk izkIr

ewY;kadu vfHkdj.kksa ls dk ewY;kadu djk;k tk;A

_.k cdk;k vkSj ,uih, dks larks’ktud lhek eas de djus

ds fy;s QsMjs”ku ds fn”kk funsZ”k ij vk/kkfjr Rofjr olwyh

vfHk;ku cSad u;s tks”k ds lkFk tkjh j[ksaA

cSad _.k forj.k ,oa olwyh iz.kkyh esa fd;s x, lq/kkjksa dk

leqfpr izys[khdj.k rFkk mUgsa vius mifu;eksaa ,oa fu;eksa esa

lekfo’V dj laLFkkxr djsaA

visf{kr i¡wth Ik;kZIr vuqikr ¼lhvkj,vkj½ izkIr djus ds

fy;s _.k izkIr u djus okys lnL;ksa dh U;wure va”k /kkj.k

/kujkf”k dks #- 500@& rd c<+k dj rFkk tks Js.kh&AA i¡wth

rFkk ,uih, ds lkis{k izko/kkuksa lajf{kr i¡wth dks’k dks [kksyus

ds fy;s ik= gSa] ds nh?kZdkfyd vkof/kd tek dks Lohdkj

dj i¡wth vk/kkj dks c<+kukA

lHkh ,llh,vkjMh cSadksa }kjk lh&ihbZlh }kjk ewY;kadu ds

fy;s tkjh fn”kk funsZ”kksa ds vuq:i ts,yVhlh dk iqauZ#)kj

@iquthZfor djukA

3&4 is”ksoj ¼izfrf’Br izcU/ku laLFkkuksa ls izf”kf{kr pkVZMZ

,dkm.Vs.V~l] vf/kd`r foÙkh; fo”ys’kd] ,ech,] vkfn½ dh

Vhe dk p;u dj ,llh,vkjMh cSadksa esa e/;e izcU/ku dks

l”kDr cukukA

fjDr gq;s LFkkuksa esa Hkjrh esa gksus okys foyEc ls cpus ds fy;s

Hkjrh uhfr esa lq/kkj A

¼dk;Zokgh visf{kr& ukckMZ½

¼dk;Zokgh visf{kr&,vkjMh cSad@

QsMjs”ku@jkT; ljdkjsa½

¼dk;Zokgh & QsMjs”ku½

QsMjs”ku

,llh,vkjMh cSaDl@ihlh,vkjMh cSaDl

i)

ii)

iii)

i)

ii)

¼dk;Zokgh visf{kr& ukckMZ½

¼dk;Zokgh visf{kr&,vkjMh cSad@

QsMjs”ku@jkT; ljdkjsa½

¼dk;Zokgh & QsMjs”ku½

QsMjs”ku

,llh,vkjMh cSaDl@ihlh,vkjMh cSaDl

- 20 -

60dr¨dm{f©H [anmoQ ©2019-2020

Jh foosd vxzoky] vkbZ,,l la;qDr lfpo rFkk dsUnzh; fucU/kd

lgdkjh lfefr;ka ds lkFk cSBd

6 Qjojh 2020 dks ukckMZ ds v/;{k ds lkFk cSBd

Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh iqj"kksÙke :ikyk ls

okrkZ gsrq fnukad 12 ekpZ 2020 dks izfrfuf/k e.My

,vkjMh cSadksa dk dEI;wVªhdj.k&,uvkbZlh ds lkFk vuqcU/k

uohuhdj.k

izdk”ku

yS.M cSad tjuy

okf’kZd lka[;dh; cqysfVu

,vkjMh cSadksa dk ekfld izxfr izfrosnu

4 fnlEcj 2019 dks lEiUu cSBd esa QsMjs”ku ds v/;{k ,oa

izfrfuf/k;ksa }kjk dqN egRoiw.kZ eqn~nksa] tSls fd Qlyh _.k C;kt

vuqnku ;kstuk esa ,llh,vkjMh cSadks dks Hkh lfEefyr fd;k tkus]

2018&19 esa ,llh,vkjMh cSadksa ds _.ki= fuos”k ds fy;s fdlh

izdkj dk ctVh; izko/kku u fd, tkus rFkk Hkwfe fodkl cSadksa ds

_.k i=kksa ij fuos”k dks iwoZ dh Hkkafr ;Fkkor ykxw fd, tkus ds

vuqjks/k ij ljdkj ds gLr{ksi fd;s tkus dh vko”;drk dks

laKku es yk;k x;kA

,llh,vkjMh cSadksa ds lnHkZ esa ukckMZ dh iqufoZÙk uhfr ls

lEcfU/kr izeq[k eqn~nksa ij cSBd esa fopkj foe”kZ fd;k x;kA

QsMjs”ku us ,dkRed iz.kkyh ds ,llh,vkjMh cSdksa dks iqufoZÙk

lg;ksx c<+k;s tkus ds lkFk lkFk cgq lsok dsUnz fodflr fd;s tkus

ds fy;s Hkh ihlh,vkjMh cSadksa dks’kh; lgk;rk dk LOkkxr fd;kA

lHkh ,llh,vkjMh cSadksa dks vYidkyhu iqufoZÙk miyC/k djk;k

tkuk] tks vHkh rd U;wure tksf[ke Js.kh okys ,llh,vkjMh cSadksa

rd gh lhfer gS] rFkk ,yVhvkjlh,Q iqufoZÙk ds ,d Hkkx dks

vkof/kd _.k ds ,d vfuok;Z ?kVd ds :i esa Qlyh _.k gsrq

_.k iznku djus ds fy;s vkoafVr gS] vkfn dqN egRoiw.kZ lq>ko

QsMsj”ku dh vksj ls ukckMZ ds lkFk lEiUu okrkZ esa fn;s x;sA

QsMjs”ku ds ,d izfrfuf/k e.My us fnukad 12 ekpZ 2020 dks bl

{ks= ds izeq[k eqn~nksa ij ljdkj ds lg;ksx dh ekax ds lkFk

Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh :ikyk ls

HksaV dhA izfrfuf/k e.My dk usr`Ro QsMjs”ku ds funs”kd e.My ds

lnL; Jh icZr HkkbZ iVsy] lkaln] Jh ds- lnk{kjh] mik/;{k

,ulh,vkjMhch QsMjs”ku] Jh ds-ds-jfoUnzu] izcU/k funs”kd&

,ulh,vkjMhch QsMjs”ku] Jh pjunso flag eku] izcU/k funs”kd

iatkc ,llh,Mh cSad rFkk Jh oh-,e pkS/kjh] egkizcU/kd xqtjkr

,llh,vkjMh cSd }kjk fd;k x;kA izfrfuf/k e.My us ekuuh;

ea=h egksn; ls oS|ukFku VkLdQkslZ dh flQkfj”kksa ij vk/kkfjr

,yVhlhlh,l ds iqu#)kj iSdst ds izLrko dks iqu% iVjh ykus]

Hkkjr ljdkj ds Qlyh _.k ij C;kt vuqnku ;kstuk dks

,llh,vkjMhcSadksa ds fy;s c<+k;s tkus] ,vkjMh cSdksa dks cSafdax

ykblsUl fn, tkus gsrq ekud fu/kkZfjr djus rFkk ,llh,vkjMh

cSadksa ds _.k i=ksa ds fy;s jkT; ljdkjksa ls feyku ds vk/kkj ij

ctV vkoaVu dks iquZthfor djus gsrq viuk gLr{ksi djus ds fy;s

vkxzg fd;kA

dqN jkT;ksa esa ,llh,vkjMh cSadksa ,oa ,uvkbZlh ds e/; gq,izkjfEHkd rhu o’khZ; vuqcU/k dh le; lhek lekIr gks pqdh gSaAjk’Vªh; lwpuk foKku dsUnz ¼,uvkbZlh½ us fl)kUrr% ppkZ esa ijLijgqbZ lgefr ds vk/kkj ij fu/kkZfjr fu;e vkSj “krksZa ds v/khuvuqcU/k ds ufouhdj.k fd;s tkus ij lgefr O;Dr dh gS rFkkQsMjs”ku dks lEcfU/kr ,llh,vkjMh cSadksa ds izfrfuf/k;ksa ds lkFkvizSy 2020 ds f}rh; lIrkg esa fdlh fnu ,d cSBd vk;ksftrdjus dk lq>ko fn;kA blh e/; lnL; cSadksa ds egRoiw.kZ eqn~nsvkSj fookn ;fn dksbZ gSa] ftUgsa ,uvkbZlh ds lkFk fopkj foe”kZ djgy fd;k tk lds] “kh?kzkfr”kh?kz QsMjs”ku dks lwfpr djus dhlykg nh xbZA

QsMjs”ku 1962 ls yS.M cSad tjuy dk izdk”ku dj jgk gSA

tjuy es “kks/k&ys[k rFkk d`f’k ,oa xzkeh.k lk[k o lgdkfjrk

lEcU/kh lekpkj izdkf”kr gksrs gSaA ge bl {ks= dh egRoiw.kZ

?kVukvksa rFkk lnL; cSadksa ds fØ;kdykiksa dh ?kVukvksa dks Hkh

vkPNkfnr djrs gSaA

lnL; cSadksa ls lEcfU/kr fdz;kdykiksa ds vkadM+ksa dk ladyu ,oa

laxzg.k rFkk okf’kZd lka[;dh; cqysfVu dk izdk”ku dk dk;Z Hkh

izdks’B }kjk fd;k tkrk gSA QsMjs”ku bl egRoiw.kZ izdk”ku dks

,vkjMh cSadksa ds fØ;kdykiksa ds cqfu;knh Lrj ds vkadMksa ls

lEcfU/kr ;qDrlaxr lwpuk ra= ls v|ru fd;s tkus ds fy;s

iz;Ru”khy gSA

QsMjs”ku lnL; cSadksa dh vius Lrj ij rFkk Hkkjr ljdkj dks

izfrosfnr djus gsrq leh{kk ds fy;s eq[; fdz;kdykiksa ds vkadM+ksa

dk laxzg.k ,oa ladyu ekfld vk/kkj ij djrk gSA _.k forj.k]

olwyh fu’iknu] m/kkj jkf”k;ka rFkk tek laxzg.k vkfn eq[; {ks= gSa]

tks bl ekfld izxfr izfrosnu esa vUrfuZfgr gSaA

iqj"kksÙke

Jh foosd vxzoky] vkbZ,,l la;qDr lfpo rFkk dsUnzh; fucU/kd

lgdkjh lfefr;ka ds lkFk cSBd

6 Qjojh 2020 dks ukckMZ ds v/;{k ds lkFk cSBd

Ekkuuh; jkT; ea=h d`f’k ,oa d`’kd dY;k.k Jh iqj"kksÙke :ikyk ls

okrkZ gsrq fnukad 12 ekpZ 2020 dks izfrfuf/k e.My

,vkjMh cSadksa dk dEI;wVªhdj.k&,uvkbZlh ds lkFk vuqcU/k

uohuhdj.k

izdk”ku

yS.M cSad tjuy

okf’kZd lka[;dh; cqysfVu

,vkjMh cSadksa dk ekfld izxfr izfrosnu

jk’Vªh; Lrj ij

vUrjkZ’Vªh; Lrj ij

jk’Vªh; Lrj ij QsMjs”ku fuEukafdr laxBuksa ls lEc) gS%&

QsMjs”ku ,ulh;wvkbZ dk lnL; gS rFkk blds dk;Zdzeksa ls

lfdz; :i ls tqM+k gSA Jh ds f”konklu uk;j v/;{k]

,ulh;wvkbZ dh lkekU; lHkk esa QsMjs”ku ds izfrfuf/k gSa ftUgsa

,ulh;wvkbZ dh lapkyd ifj’kn ds fy, pquk x;k gSA

QsMjs'ku lhvkschvkbZ ds laLFkkid lnL;ksa esa ls ,d gSA QsMjs”ku

ds v/;{k Jh ds- f”konklu uk;j QsMjs”ku ds v/;{k dks

lhvkschvkbZ dh lkekU; lHkk esa ukfer fd;k x;k vkSj og

funs”kd e.My ds fuokZfpr lnL; Hkh gSaA

Jh ds- jfoUnj jko] QsMjs”ku ds milHkkifr bldh lkekU; lHkk

rFkk ,u,,Q,Q,lh ds funs”kd e.My ds lnL; gSaA

Jh ds- d-s jfoUnzu izcU/k funs”kd QsMjs”ku dks Hkkjr ljdkj

}kjk ,ulhMhlh vf/kfu;e 1962 dh /kkjk 3¼4½¼ ½ ds vUrxZr

,ulhMhlh dh lkekU; ifj’kn dk lnL; ukfer fd;k x;k gSA

QsMjs'ku fuEukafdr laxBuksa ls Hkh ,lksfl,V lnL;rk cuk, gq,

gS%&

bf.M;u epsZ.V~l psEcj ¼vkb,elh½

bf.M;u cSaDl ,lksfl,”ku ¼vkbch,½

bf.M;u lkslkbVh QkWj LVMht+ bu dksvkijs”ku

bf.M;u VwfjT+e dksvkijsfVo fy- ¼vkbVhlh½

QsMjs”ku ds izcU/k funs”kd bldh lkekU; ifj’kn ds lnL; gSaA

QsMjs”ku oSf”od vkblh, ds lkFk gh vkbZlh, ,f”k;k iSflfQd

jhtu dk lnL; gSA

QsMjs”ku vkblh, dh vusd lfefr;ksa ls Hkh lEc) gSA

Jh ds- f”konklu uk;j] QsMjs”ku v/;{k] vkblh,&,ih desVh

vkWu cSafdax ,oa dzsfMV ds fuokZfpr v/;{k gSaA Jh uk;j dks

b.Vjus”kuy dksvkijsfVo cSafdx ,lksfl,”kuu] ¼vkbZlh,ch½ dk]

ftldk iquZxBu vDVwcj 2019 esa fdxkyh esa lEiUu vkbZlh,

Xykscy ,lsEcyh esa gqvk] mik/;{k ds :i esa fuokZfpr fd;k x;k

FkkA

QsMjs”ku ,izkdk dk laLFkkid lnL; gSA Jh ds-ds-jfoUnzu izcU/k

funs”kd QsMjs”ku 1996 ls bldh lkekU; lHkk ds lnL; gSaA

QsMjs”ku vkbZvkj;w dk lnL; gSA vkbZvkj;w dh lkekU; lHkk esa

QsMjs”ku dk izfrfuf/kRo v/;{k djrs gSaA

us”kuy dksvkijsfVo ;wfu;u vkWQ bf.M;k ¼,ulh;wvkbZ½

dksvkijsfVo cSasd vkWQ bf.M;k ¼lhvkschvkbZ½

us”kuy fQYe ,.M Qkbu vkVZ~l dksvkijsfVOl fy- ¼usQsd½

jk’Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½

ls.Vj QkWj b.Vjus”kuy dksvkijs”ku ,.M Vªsfuax bu

,xzhdYpjy cSafdax ¼lhvkblhVh,ch½

b.Vjus”kuy dksvkijsfVo ,yk,Ul ¼vkbZlh,½

,f”k;k isflfQd jhtuy ,xzhdYpjy dzsfMV ,lksfl,”ku

¼,izkdk½

b.Vjus”kuy jSfQlu ;wfu;u ¼vkbZvkj;w½

XVII

•

•

•

•

jk’Vªh; Lrj ij

vUrjkZ’Vªh; Lrj ij

us”kuy dksvkijsfVo ;wfu;u vkWQ bf.M;k ¼,ulh;wvkbZ½

dksvkijsfVo cSasd vkWQ bf.M;k ¼lhvkschvkbZ½

us”kuy fQYe ,.M Qkbu vkVZ~l dksvkijsfVOl fy- ¼usQsd½

jk’Vªh; lgdkjh fodkl fuxe ¼,ulhMhlh½

ls.Vj QkWj b.Vjus”kuy dksvkijs”ku ,.M Vªsfuax bu

,xzhdYpjy cSafdax ¼lhvkblhVh,ch½

b.Vjus”kuy dksvkijsfVo ,yk,Ul ¼vkbZlh,½

,f”k;k isflfQd jhtuy ,xzhdYpjy dzsfMV ,lksfl,”ku

¼,izkdk½

b.Vjus”kuy jSfQlu ;wfu;u ¼vkbZvkj;w½

- 21 -

lEc)hdj.k

60dr¨dm{f©H [anmoQ ©2019-2020

lkekU; fudk; esa QsMjs”ku dsa lnL; gksrs gSa ftlesa izfrfuf/k cSadksa

ds funs”kd e.My }kjk ukfer izfrfuf/k;ksa dk izfrfuf/kRo gksrk gSA

QsMjs”ku ds lnL;ksa dh lwph fuEuor gS%&

1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]xqokgVhA

2- cgq&jkT;h; lgdkjh Hkwfe fodkl cSad fy- ¼fcgkj&>kj[k.M½iVukA

3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]vgenkcknA

4- gfj;k.kk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]iapdqykA

5- fgekapy izns”k jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSadfy-] f”keykA

6- tEew&d”ehj jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]JhuxjA

7- dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]cSaxyksjA

8- dsjy jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]fFk#ouUriqjeA

9- mM+hlk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-]Hkqous”ojA

10- ikf.Mpsjh dsUnzh; Hkwfe fodkl cSad fy- ikf.MpsjhA

11- iatkc jkT; lgdkjh d`f’k fodkl cSad fy- p.Mhx<+A

12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy-]t;iqjA

13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodkl cSad fy-]psUubZA

14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-] vxjrykA

15- mÙkjizns”k lgdkjh xzke fodkl cSad fy-]y[kuÅA

16- if”pe caxky jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]dksydrkA

17- fnYyh jkT; lgdkjh cSad fy- ubZ fnYyhA

18- es?kky; lgdkjh ,isDl cSad fy- f”kykWaxA

19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy- gSnjkcknA

mifof/k la[;k 20¼ ½ ds vuqlkj QsMjs”ku ds izcU/ku e.My esa

lkekU; fudk; ls fuokZfpr 19 funs”kd] dsUnz ljdkj }kjk ukfer

1 funs”kd] izcU/k funs”kd tks QsMjs”ku dkinsu lnL; gS] ds

vfrfjDr funs”kd e.My }kjk lg;ksftr 2 funs”kd gksrs gSaA

lnL; cSadks dk izfrfuf/kRodjuokys 4 fuokZfpr lnL;ksa ds in

fjDrgSaA

¼flrEcj 2020 dh fLFkfr½s

funs”kd e.My

iii

QsMjs”ku ds izcU/ku e.My esa fuEukafdr O;fDr lfEefyr Fks%&

funs”kd e.My

QsMjs”ku ds izcU/ku e.My esa fuEukafdr O;fDr lfEefyr Fks%&

- 22 -

Øela[;k izcU/ku e.My ds lnL; dk uke lnL; cSad ftldk izfrfu/kRo dj jgs gSa

1- Jh ds- f”konklu uk;j] v/;{k dsjy jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

2- Jh ds- “knk{kjh] mik/;{k dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

3- Jh fct; dqekj flag] mik/;{k cgqjkT;h; jkT; lgdkjh Hkwfe fodkl cSad fy- ¼fcgkj&>kj[k.M½

4- Jh d-s jfoUnj jko] mik/;{k rsyaaxkuk jkT; lgdkjh ,isDl cSad fy-

5- Jh efpZUuk fl;ke] mik/;{k es?kky; jkT; lgdkjh ,isDl cSad fy-

6- Jh ijHkkr HkkbZ iVsy ¼lkaln½ lg;ksftr

7- Mk- fctsUnz flag fnYyh jkT; lgdkjh cSad fy-

8- Jh vkj- ifjey vt+kxu rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodkl cSad fy-

9- Jh eksbuqy glu Ikf”pe caxky jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

QsMjs'ku dk izcU/ku

60dr¨dm{f©H [anmoQ ©2019-2020

dk;Zdkfj.kh lfefr

Jh ds- f”konklu uk;j]

Jh ds- “knk{kjh]

Jh fct; dqekj flag]

Jh ds- jfoUnj jko]

Jh ,e- fl;ke]

Jh ds-ds-jfoUnzu]

iz”kklfud lfefr


Jh ds- “knk{kjh]

Jh fct; dqekj flag]

Jh ds- jfoUnj jko]

Jh ,e- fl;e]

Jh ds- ds- jfoUnzu]

foÙkh; o’kZ 2019&20 ds nkSjku lkekU; fudk;] lapkyd e.My

rFkk dk;Zdkfj.kh lfefr dh cSBd

mifof/k la[;k 26¼,½ ds vuqlkj ]dk;Zdkj.kh lfefr esa v/;{k] 4

mik/;{k] izcU/k funs”kd rFkk lapkyd e.My }kjk fuokZfpr 5

cksMZ ds lnL; gksaxsA

¼1½ v/;{k

¼dsjy LVsV dksvkijsfVo ,xzhdYpjy ,.M :jy Msoyies.V

cSad fy-½

¼2½ mik/;{k¼dukZVd jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-½

¼3½ mik/;{k¼cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy-] fcgkj&>kj[k.M½

¼4½ mik/;{k¼rsyaxkuk jkT; lgdkjh ,isDl cSad fy-½

¼5½ mik/;{k¼es?kky; jkT; lgdkjh ,isDl cSad fy-½

¼6½ izcU/k funs”kd¼,ulh,vkjMhch,Q½

mifof/k la[;k 27¼,½ ds vuqlkj] iz”kklfud lfefr esa v/;{k] 4

mik/;{k] rFkk izcU/k funs”kd gksaxsA flrEcj 2020 dks iz”kklfud

lfefr esa fuEukafdr lnL; gSa %&

1- v/;{k

2- mik/;{k

3- mik/;{k

4- mik/;{k

5- mik/;{k

6- izcU/k funs”kd

frfFk LFkku ds lkFk izfrosnu ds vUrxZr o’kZ ds nkSjku lkekU;

fudk;] lapkyd e.My rFkk dk;Zdkfj.kh lfefr dh cSBd uhps

lwphc) gSa%&

dk;Zdkfj.kh lfefr


Jh ds- “knk{kjh]

Jh fct; dqekj flag]

Jh ds- jfoUnj jko]

Jh ,e- fl;ke]

Jh ds-ds-jfoUnzu]

iz”kklfud lfefr


Jh ds- “knk{kjh]

Jh fct; dqekj flag]

Jh ds- jfoUnj jko]

Jh ,e- fl;e]

Jh ds- ds- jfoUnzu]

foÙkh; o’kZ 2019&20 ds nkSjku lkekU; fudk;] lapkyd e.My

rFkk dk;Zdkfj.kh lfefr dh cSBd

- 23 -

60dr¨dm{f©H [anmoQ ©2019-2020

Øela[;k izcU/ku e.My ds lnL; dk uke lnL; cSad ftldk izfrfu/kRo dj jgs gSa

10- Jh cyfoUnj flag iatkc jkT; lgdkjh d`f’k fodkl cSad fy-

11- Jh vjfoUn dqekj flag mÙkj izns”k lgdkjh xzke fodkl cSad fy-

12- Jh ftrsUnz izlkn jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy-

13- Jh oh-,e- pkS/kjh Xkqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

14- Jh ujs”k xks;y gfj;k.kk jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

15- fgekapy izns”k jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

16- Jh eksgEen vlye HkV~V tEew d”ehj jkT; lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

17- Jh izeksn fj;kax] /kk;d f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy-

18- Jh ds-ds- jfoUnzu izcU/k funs”kd] ,ulh,vkjMhch QsMjs”ku

Jh foosd pkSgku ,pih,,l

fo

( )

cSBdas LFkku frfFk

¼,½ okf’kZd lkekU; fudk; eqEcbZ 10 twu 2019

¼ch½ izcU/ku e.My cksMZ

158oha cksMZ eqEcbZ 10 twu 2019

159oha cksMZ gSnjkckn 18 tuojh 2020

¼flrEcj 2020 esa rhu in fjDr jgsA½

- 24 -

60dr¨dm{f©H [anmoQ ©2019-2020

egRoiw.kZ eqn~ns ftu ij funs”kd e.My esa fopkj fd;k x;k

cksMZ dh cSBdsa] lnL; cSadksa ds fdz;kdykiksa dh leh{kk ds vykok

uhfrxr ,oa xzkeh.k lk[k ls lEcfU/kr ifjpkyu ds eqn~nksa ij

fopkj foe’kZ ds fy;s vHkh Hkh izeq[k okDihB gSA

o’kZ ds nkSjku izfrosnu ds vUrxZr cksMZ us lnL; cSadksa ds

O;kolkf;d fdz;k dykiksa rFkk ukckMZ ls iquZfoÙk ds vUrxZr _.k

forj.k olwyh bR;kfn dh vkof/kd leh{kk ls lEcfU/kr fu;fer

fo’k;ksa ij fopkj foe"kZ ds vfrfjDr fuEukafdr fo’k;ksa ij Hkh ppkZ

dh%&

1- fuos”k _.k esa ,vkjMh cSadksa dh Hkkxhnkjh c<+kus ds fy;s

dk;Zny dh fjiksVZ&QsMjs”ku vkSj lnL;ksa ds fy, dk;Z

ladsrA

2- d`f’k ,oa vd`f’k ds vkof/kd _.kksa ds fy, vkn”kZ _.k olwyh

uhfrA

3- _.k forj.k esa vkxs vkus rFkk iqufoZÙk vkgj.k ds ifjizs{; esa

,llh,vkjMh cSadksa ls lEizs’k.kA

4- lgk;d laLFkkvksa ds ek/;e ls mi&fof/k la[;k 3¼ch½

ds vUrxZr vk; mRiknu xfrfof/k;ksa ds vkjEHk djus lEcU/kh

& mi lfefr dh leh{kkA

5- ukckMZ ds iqufoZÙk ij fnukad 10 ebZ 2019 ls izHkkoh C;kt

njA

6- 2019&20 ds nkSjku ,llh,vkjMh cSadksa ds xSj “kkldh;

funs”kdksa rFkk ihlh,vkjMh cSadksa dh lykgdkj lfefr ds

funs”kdksa ds izf”k{k.k dk;Zdzeksa dk vk;kstuA

7- foÙkh; o’kZ 2019&20 ds fy;s dk;Zdzeksa dk dSys.MjA

8- izeq[k ifjpkyu {ks=ksa esa ,llh,vkjMh cSadks ds vizSy 2018&

ekpZ 2019 ds nkSjku dk;Z fu’iknu dh leh{kkA

9- ,llh,vkjMh cSadksa dh 2019&20 ds fy, iquZfoÙk uhfr ds

ek/;e ls cgq lsok dsUnzksa ds :i esa ihlh,vkjMh cSadksa dh

nh?kZdkfyd iquZfoÙk uhfrA

10- vfu;af=r tek ;kstuk izfrcU/k vf/kfu;e 2019¼ch;wMh,l½A

11- dk;Zokgh vkSj dk;Z;kstuk & ,vkjMh cSadksa ds jk’Vªh;

lEesyuA

12- fuos”k _.k esa ,vkjMh cSadksa esa cktkj dh Hkkxhnkjh c<+kus ds

fy;s dk;Z ;kstukA

13- d`f’k esa fuos”k _.k ds fy, nh?kZdkyhu iqufoZÙk& nh?kZdkyhu

xzkeh.k lk[k fuf/k 2019&20 ¼,yVhvkjlh,Q½ &

,llh,vkjMh cSadksa ds fy,A

14- ukckMZ ds iqufoZÙk ij C;kt&njA

15- cSafdax fu;ked vf/kfu;e ds nk;js esa jkT; lgdkjh d`f’k ,oa

xzkEkh.k fodkl cSadksa ¼,llh,vkjMhch,l½ dks ykblsUl

nsuk&fnukad 7 vxLr 2019 dk vkjchvkbZ ls i=A

16- Ms;jh b.VjizsU;ksjf”ki Msoyies.V Ldhe ¼MhbZMh½ nqX/k

m|ferk fodkl ;kstuk&foÙkh; o’kZ 2019&20 esa ;kstuk dk

;ksxnku&lhekUr vko”;drkvks esa la”kks/kuA

17- izeq[k ifjpkyu {ks=ksa esa vizSy 2019 ls vDVwcj 2019 rd

,llh,vkjMh cSadksa ds dk;Z fu’iknu dh leh{kkA

(xiii)

egRoiw.kZ eqn~ns ftu ij funs”kd e.My esa fopkj fd;k x;k

Øela[;k nkf;Ro bl frfFk dks Fkk

Øela[;k vfLr;ka tSlk fd bl frfFk dks Fkk

¼/kujkf'k yk[k # esa½-

31-3-20 31-3-19 31-3-20 31-3-19

Øela[;k fooj.k /kujkf'k

vk; 2019&20 2018&19

O;;

Ok’kZ 2019&20 ds lEifÙk ,oa nkf;Roa] vk; ,oa O;; [kkrksa dk lkjka”k uhps fn;k x;k gS %

vkfLr;ka ,oa nkf;Ro

1 lnL; cSadksa ls ,,e,l rFkk vfrfjDr ;ksxnku 84-90 77-972 C;kt vkSj ykHkka”k vk; 205-58 199-15

3 izkIr vuqnku ¼Hkkjr ljdkj] ,ulh;wvkbZ ,oa ukckMZ½ 11-00 8-00

4 fofo/k vk;@vfrfFkx`g lsok izHkkj 0-15 0-15

5 chMhMhvkj ls olwyh] vfrfjDr izko/kku myVs x;s 0-46 24-96rFkk iqjkus ns; [kkfjt fd;sx;s

;ksx ¼1 ls 5½ 302-09 310-23

--

-

-

-

1 vkjf{kra ,oa vU; 2171 2143 37 1 uxn ,oa cSad 15 12dks’k vo”ks’k

2 izfrHkwr _.k 0 00 0 00 2 fuos”k 1919 12 1863 99

3 vU; nkf;Ro ,oaizko/kku 79 55 75 17 3 vpy laEifÙk 212 11 218 85

4 vk; ,oa O;; [kkrs 16 10 14 57 4 fofo/k nsunkj vkSj 116 33 94 33ls LFkkukUrfjr izkfIr;kavf/k”ks’k

5 _.k ,oa vfxze 0 98 6 25

6- nh?kZ dkyhu i¡wth 0-00 33-73gkfu ¼lh,Q½

7 fofo/k tek ,oa 3 45 3 58iwoZnÙk O;;

;ksx 2267 02 2233 11 ;ksx 2267 02 2233 11

- -37 - - -03 -38

- - - - - -

-- - - - -

- - - - - -

- - -

- - -

- - - -

vk; ,oa O;; ¼/kujkf'k yk[k # esa½-

1 izcU/ku ykxr 125 80 114 86

2 vU; dk;kZy; O;; 30 70 60 74

3 ;k cSBd@lsfeukj@laxks’Bh O;;@iqjLdkj lekjksg 18 32 8 09

4 ifjlj j[k&j[kko O;; 8 58 8 12

5 izko/kku @fuf/k;ka 102 58 103 85

-

-

-

-

-

;ksx ¼1 ls 5½ 285 98 295 66

16-11 14-57vf/k'ks’k

- -

- -

- -

- -

- -

- -

vf/k'ks’k

- 25 -

foÙk ,oa ys[kk

60dr¨dm{f©H [anmoQ ©2019-2020

- 26 -

lnL; cSadks dk laf{kIr fooj.k

60dr¨dm{f©H [anmoQ ©2019-2020

lnL; cSadksa dk laf{kIr fooj.k

fooj.k 2017&18 2018&19 2019&20

nwjHkk’k&0172 2587040bZesy& [email protected]

izeq[k foÙkh; ekun.M

izcU/k funs'kdJh ujs”k xks;y

lgdkfjrk Hkou] cs la[;k 31&34] lsDVj 2] iapdqyk&134 112

gfj;k.kk jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij 68ihlh,vkjMh cSad ij 743

&&

_.k ij C;kt nj&12-00 ls 13-00Tkek laxzg.k ij C;kt nj&,uvkj

% %_.k ij C;kt nj&12-00 ls 13-00Tkek laxzg.k ij C;kt nj&,uvkj

% %


_.k cdk;k 196679-28 193118-05 187944-16

forfjr _.k 7721-39 2644-00 7246-73dqy iznÙk 4509-36 4509-36 4361-02fuckZ/k vkjf{kr fuf/k;ka 42144-90 42144-90 49587-18

ij ifjlEifÙk;ksa dk vuqikr ,uvkj ,uvkj ,uvkjTkek cdk;k 15-16 10-33 538-97m/kkj cdk;k 165209-22 157359-64 136331-61

“kq) yk @gkfu ¼3188-11½ ¼7638-23½ 6392-30Lakfpr gkfu;ka] ;fn dksbZ gksa 37788-30 45426-53 39034-23

(%)

*

,uvkj dk rkRi;Z ukWV fjiksVZsM¼lwpuk vizkIr½ *dks’Bd esa vafdr vad gkfu n”kkZrs gSaA

i¡wth

i¡wth

Hk

fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½-

_.k cdk;k 57965-12 58196-20 56001-13forfjr _.k 17762-88 14956-81 13652-26dqy iznÙk 4590-85 4532-39 4445-99fuckZ/k vkjf{kr fuf/k;k 54874-66 56036-78 25017-33

ij ifjlEifÙk;ksa dk vuqikr 49-07 49-05 56-95vnÙk tek 26078-30 27041-55 26711-86m/kkj cdk;k 39201-55 34226-78 40217-36“kq) ykHk 2100-14 2101-52 2525-00Lakfpr gkfu;ka] ;fn dksbZ gksa & & &

(%)

i¡wth

i¡wth

nwjHkk’k&079&26585365@70@71bZesy&[email protected]

egk izcU/kdJh oh-,ae pkS/kjhegk izcU/kd

489] vkJe jksM] usg: fczt ds ikl] uojaxiqjk] vgenkckn&380 009

xqtjkr jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

_.k ij C;kt nj&11-00 ls 13-00Tkek laxzg.k ij C;kt nj & 5-75 ls 6-00

% %

% %

_.k ij C;kt nj&11-00 ls 13-00Tkek laxzg.k ij C;kt nj & 5-75 ls 6-00

% %

% %

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½% 317$+230¼izlafonk@fuf”pr csM½

deZpkfj;ksa dh fLFkfr

ifjj{kdJh psru ,u- ijekjifjj{kd

- 27 -

60 dr¨dm{f©H [anmoQ ©2019 - 20


_.k cdk;k 42423-13 45388-81 44091-67forfjr _.k 8217-82 8498-79 5813-49dqy iznÙk 2440-36 2606-35 2618-92fuckZ/k vkjf{kr fuf/k;ka 2121-95 2121-95 2121-95

ij ifjlEifÙk;ksa dk vuqikr¼ ½ 10-76 10-58 10-24vnÙk tek 10095-17 9910-55 10200-40m/kkj cdk;k 27083-93 27716-86 24227-08“kq) ykHk@gkfu 127-43 22-80 ¼185-41½Lakfpr gkfu;ka] ;fn dksbZ gksa & & 35 18

%

.

*

*dks’Bd esa vafdr vad gkfu n”kkZrs gSaA

i¡wth

i¡wth

nwjHkk’k&0177 2621437bZesy&[email protected]

v/;{kJherh “k”kh ckyk

izcU/k funs'kdJh foosd pkSgku ¼,p,,l½

Cykd uEcj Mh&3] ,lMh, dkEIysDl] dlqeiVh] f”keyk&171 009

fgekapy izns'k jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 170ihlh,vkjMh cSad ij % 50

_.k ij C;kt nj& lwpuk vizkIrTkek laxzg.k ij C;kt nj&lwpuk vizkIr_.k ij C;kt nj& lwpuk vizkIrTkek laxzg.k ij C;kt nj&lwpuk vizkIr

nwjHkk’k & 0194&2431892@2431965bZesy&[email protected]


Hkou la[;k 12] iksLV vkfQl ysu] gSnjiqjk] eqckjd vLirky ds ikl] Jhuxj&190 014

tEew ,oa d'ehj jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

_.k ij C;kt nj & 14-50Tkek laxzg.k ij C;kt nj&7-75

%

%

_.k ij C;kt nj & 14-50Tkek laxzg.k ij C;kt nj&7-75

%

%

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ & 239


eq[; dk;Zdkjh vf/kdkjhJh eksgEen vlye HkV~V

_.k cdk;k 5663-61 5788-43 5766-49

forfjr _.k 1268-75 1182-79 904-43

dqy iznÙk 2999-25 3016-92 ,uvkj

fuckZ/k vkjf{kr fuf/k;ka 14-05 237-63 ,uvkjij ifjlEifÙk;ksa dk vuqikr¼ ½ ,uvkj 51-12 ,uvkj

vnÙk tek 15059-47 16645-93 18033-67m/kkj cdk;k 616-00 641-00 616-00

“kq) gkfu 693-10 7993-97 9602-86

lafpr gkfu;ka] ;fn dksbZ gksa 6800-34 ,uvkj ,uvkj

%

,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½

i¡wth

i¡wth

fooj.k 2017&18 2018&19 2019&20

- 28 -

60dr¨dm{f©H [anmoQ ©2019-2020


nwjHkk’k&080&26702024@74bZesy& [email protected]

v/;{kJh ds- “knk{kjh] HkwriwoZ ,e,y,

izcU/k funs'kdMk- dslh- ;fr'k dqekj] dslh,l

Vhiw lqYrku iSysl jksM] pejktisV] ih-vks-ckWDl uEcj 1811] QksVZ] cSaxyksj&560 018

dukZVd jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

_.k ij C;kt nj&3-00 ls 6-00Tkek laxzg.k ij C;kt nj& 9-40

% %

%

_.k ij C;kt nj&3-00 ls 6-00Tkek laxzg.k ij C;kt nj& 9-40

% %

%

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 306Ikhlh,vkjMh cSad ij % 575


ij ifjlEifÙk;ksa dk vuqikr¼ ½ 6-23 6-38 ,uvkjvnÙk tek 36878-30 41469-07 47860-33m/kkj cdk;k 148731-22 141693-40 125547-86“kq) ykHk 68-69 75-67 ,uvkjlafpr gkfu;ka ;fn dksbZ gksa & & &

%


i¡wth

i¡wth



ij ifjlEifÙk;ksa dk vuqikr 10-71 11-98 12-14vnÙk Tkek 59378-94 47978-40 40963-75m/kkj cdk;k 577682-28 622408-42 596333-18“kq) ykHk 2753-18 2565-50 2780-50Lkafpr gkfu;ka] ;fn dksbZ & & &

¼ ½

gksa

%


i¡wth

i¡wth

nwjHkk’k&0471&2460595bZesy&[email protected]

v/;{kJh lksykseu ,ysDl

izcU/k funs'kdJh oh- jfFklu] vkbZ-,-,l-

ih-ch- uEcj 56] LVspw taD”ku] fFk#ouUFkiqje & 695 001

dsjy jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 117ihlh,vkjMh cSad ij % ,uvkj

tek laxzg.k ij C;kt nj & 6-75%tek laxzg.k ij C;kt nj & 6-75%

_.k ij C;kt nj ,u vkj-_.k ij C;kt nj ,u vkj-

- 29 -

60dr¨dm{f©H [anmoQ ©2019-2020

fooj.k 2017&18 2018&19 2019&20

iatkc jkT; lgdkjh —f"k fodkl cSad fyfeVsM

nwjHkk’k&0172&2708134@5011708bZesy&[email protected]

v/;{kJh deynhi flag

,llhvks uEcj 51&54] cSad LDok;j] lsDVj 17&ch] p.Mhx<+&160 017

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij % 192ihlh,vkjMh cSad ij % 632

_.k ij C;kt nj % 10-95 ls 11-80tek laxzg.k ij C;kt nj & 6-75 ls 6-95

% %

% %

_.k ij C;kt nj % 10-95 ls 11-80tek laxzg.k ij C;kt nj & 6-75 ls 6-95

% %

% %

izcU/k funs'kdJh pjunso flag eku

izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½

_.k cdk;k 269209-05 253854 60 227362 68

forfjr _.k 28562 51 17486 17 1254 23

dqy iznÙk 7853 15 7888 15 7888 15

fuckZ/k vkjf{kr fuf/k;ka 12791 19 23397 92 23128 40

ij ifjlEifÙk;ksa dk vuqikr 12 96 12 92 14 26

vnÙk Tkek 34495 46 23518 03 25485 80

m/kkj cdk;k 240564 22 204885 55 180378 87

“kq) ykHk 828 95 120 49 227 34

lafpr gkfu;ka] ;fn dksbZ & & &

- -

- - -

- - -

- - -

¼ ½ - - -

- - -

- - -

- - -

gksa

%

i¡wth

i¡wth

fooj.k 2017&18 2018&19 2019&20

IkkWf.Mpsjh dksvkijsfVo ls.Vªy yS.M Msoyie.V cSad fy] ih-106

nwjHkk’k&0413&2357985 2358827/bZesy&[email protected]

v/;{kJherh oh- ljksthuh

uEcj 24] dksykluxj] mIiye] iqMqpsjh&605 001

_.k ij C;kt nj % 11-50 ls 13-50tek laxzg.k ij C;kt nj % 8-50

% %

%

_.k ij C;kt nj % 11-50 ls 13-50tek laxzg.k ij C;kt nj % 8-50

% %

%

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 30

izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½

izcU/k funs'kdfFk#- ,- bj;klIiu

_.k cdk;k 3021-58 3188-84

forfjr _.k 2381-76 2441-57

dqy iznÙk 463-69 484-67

fuckZ/k vkjf{kr fuf/k;ka 270-89 136-01

ij ifjlEifÙk;ksa dk vuqikr¼ ½ ,uvkj ,uvkj

vnÙk Tkek 2691-86 2989-27

m/kkj cdk;k 534-66 385-70

41-75 50-64

Lkafpr gkfu;ka] ;fn dksbZ 383-86 434-50

%

“kq) gkfu

gksa,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½

i¡wth

i¡wthukWV fjiksVZsM

- 30 -

60dr¨dm{f©H [anmoQ ©2019-2020

jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fyfeVsM

nwjHkk’k&0141&2740760bZesy&[email protected]

iz'kkldJh th-,y-Lokeh

usg: lgdkj Hkou] osLVuZ CykWd 22] xksnke lfdZy] ch-,l-jksM] t;iqj&302 005

deZpkfj;ksa dh fLFkfr &,llh,vkjMh cSad ij % 58ihlh,vkjMh cSad ij % 271

deZpkfj;ksa dh fLFkfr & _.k ij C;kt nj& 15-59tek laxzg.k ij C;kt nj&tek Lohdk;Z ugha

%_.k ij C;kt nj& 15-59tek laxzg.k ij C;kt nj&tek Lohdk;Z ugha

%

izcU/k funs'kdJh ftrsUnz izlkn

fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½


ij ifjlEifÙk;ksa dk vuqikr¼ ½ 8-79 12-80 15-59vnÙk Tkek 1328-00 1242-15 579-70m/kkj cdk;k 123744-00 113791-84 96674-69“kq) ykHk@gkfu ¼4391-65½ 4420-46 2992-90lafpr gkfu;ka] ;fn dksbZ gksa & & &

%

*

*dks’Bd esa vafdr vad gkfu n”kkZrs gSaA-

i¡wth

i¡wth

rfeyukMq lgdkjh jkT; —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

nwjHkk’k&9445034060 9445034070/bZesy&[email protected] /[email protected]

v/;{kJh vkj- ifjey vtkxu

uEcj 181&183] yqt+ ppZ jksM] ekbykiqj] psUuSbZ&600 004


_.k ij C;kt nj & -25 ls 9-00tek laxzg.k ij C;kt nj & 7-00 ls 7-50

8 % %

% %

_.k ij C;kt nj & -25 ls 9-00tek laxzg.k ij C;kt nj & 7-00 ls 7-50

8 % %

% %

izcU/k funs'kdJherh vkj- c`Unk

fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½

_.k cdk;k 68652-15 73647-60 92846-82

forfjr _.k 69702-35 77322-15 97474-75dqy iznÙk 4120-26 4324-00 4324-00fuckZ/k vkjf{kr fuf/k;ka 7773-00 12223-00 12356-00

ij ifjlEifÙk;ksa dk vuqikr¼ ½ 44-08 38-21 ,uvkjvnÙk Tkek 22443-00 23249-00 24130-55m/kkj cdk;k 6395-00 6397-00 6424-49“kq) ykHk 1043-54 2762-39 30-77Lakfpr gkfu;ka] ;fn dksbZ gksa & & &

%


i¡wth

i¡wth

- 31 -

60dr¨dm{f©H [anmoQ ©2019-2020

ukWVfjiksVZsM

f=iqjk lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

nwjHkk’k& 0381&2323972bZesy&[email protected]

v/;{kfoJh izeksn fj;kax] /kk;d

vkWfQl ysu] vxjryk& 799 001

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk;sa½ % 23 _.k ij C;kt nj & 14-25 ls 16-25% %_.k ij C;kt nj & 14-25 ls 16-25% %

egk izcU/kdJh viwcZ d`’.k pdzorhZegk izcU/kd

izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k #- esa½

_.k cdk;k 1646-94 1322-58

forfjr _.k 13-70 0-00dqy iznÙk 1019-35 1000-43

fuckZ/k vkjf{kr fuf/k;ka 8-85 8-85ij ifjlEifÙk;ksa dk vuqikr¼ ½ 39-53

m/kkj cdk;k 961-02 559-83

“kq) ykHk@gkfu 19-68 ¼301-26½

lafpr gkfu;ka ;fn dksbZ gksa 1645-38 1946-64

% NR

*

*,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ dks’Bd esa vafdr vad gkfu n”kkZrs gSaA

i¡wth

i¡wth

fooj.k 2017&18 2018&19 2019&20

nwjHkk’k& 0522&2238844@2238855bZesy&[email protected]

v/;{kJh larjkt ;kno

10 eky ,osU;w] y[kuÅ &226 001

_.k ij C;kt nj & 13-00 ls 13-50tek laxzg.k ij C;kt nj & 6-00

% %

%

_.k ij C;kt nj & 13-00 ls 13-50tek laxzg.k ij C;kt nj & 6-00

% %

%

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ % 2855

izcU/k funs'kdJh ,-ds- flag

mÙkj izns'k lgdkjh xzke fodkl cSad fyfeVsM

fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½

_.k cdk;k 336079-54 313280-48 280706-46

forfjr _.k 6251-27 15180-32 5113-32dqy iznÙk 31822-82 30413-10 28692-41

fuckZ/k vkjf{kr fuf/k;ka 79628-27 79109-55 79006-00ij ifjlEifÙk;ksa dk vuqikr¼ ½ 23-76 25-01 25-00

vnÙk Tkek 6033-79 5474-32 5161-62m/kkj cdk;k 151300-53 137592-72 70876-54“kq) ykHk@gkfu 191-80 ¼8451-20½ ,uvkj

lafpr gkfu;ka ;fn dksbZ gksa 2504-05 10955-26 ,uvkj

%

*

,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ dks’Bd es vafdr vad gkfu n”kkZrs gSaA*

i¡wth

i¡wth

- 32 -

60dr¨dm{f©H [anmoQ ©2019-2020

nwjHkk’k & 033&22871786@22871787bZesy&[email protected]

fo”ks’k vf/kdkjh %Jh eksbuqy glu] Hkw-iw- lkalnfo”ks’k vf/kdkjh %

25&Mh] “ksDlfi;j ljka;] dksydrk&700 017


_.k ij C;kt nj& 7-88 ¼vufUre½tek laxzg.k ij C;kt nj& 6-89 ¼vufUre½

%

%

_.k ij C;kt nj& 7-88 ¼vufUre½tek laxzg.k ij C;kt nj& 6-89 ¼vufUre½

%

%

Ikf'pe caxky jkT; lgdkjh —f"k ,oa xzkeh.k fodkl cSad fyfeVsM

fooj.k 2017&18 2018&19 2019&20izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½

_.k cdk;k 110015-55 114462-63 124690-55forfjr _.k 22333-84 25090-39 29223-46dqy iznÙk i¡wth 4161-11 4173-11 4247-27fuckZ/k vkjf{kr fuf/k;ka 1059-89 1170-47 1266-74i¡wth ij ifjlEifÙk;ksa dk vuqikr 3-44 3-25 3-16vnÙk Tkek 20577-52 22198-50 22764-85m/kkj cdk;k 84030-41 89367-46 93950-26“kq) ykHk 244-05 322-93 357-70lafpr ;fn dksbZ 1211-27 1044-13 865-92

¼ ½

gkfu;ka gksa

%

Jh veykWu HkV~Vkpk;ZizcU/k funs”kd %

fnYyh jkT; lgdkjh cSad fyfeVsM

besy& nwjHkk’k% 011&[email protected] / [email protected]

v/;{k %Mk- fctsUnj flagv/;{k % izcU/k funs'kd

Jherh vfurk jkor

31] usrkth lqHkk’k ekxZ] nfj;kxat] ubZ fnYyh&110 002

fooj.k 2017&18 2018&19 2019&20


deZpkfj;ksa dh fLFkfriz/kku dk;kZy; ij % 65“kk[kk Lrj ij % 453

_.k ij C;kt nj &7-00 ls 18-50tek laxzg.k ij C;kt nj & 3-00 ls 6-50

% %

% %

_.k ij C;kt nj &7-00 ls 18-50tek laxzg.k ij C;kt nj & 3-00 ls 6-50

% %

% %

¼/kujkf”k yk[k #- esa½

_.k cdk;k 76965-33 80292-92 83041-38

forfjr _.k 20697-26 17553-40 23403-41dqy iznÙk 1335-99 1612-46 1674-56

fuckZ/k vkjf{kr fuf/k;ka 22861-97 24992-27 26888-98ij ifjlEifÙk;ksa dk vuqikr¼ ½ 46-67 49-86 50-18

vnÙk Tkek 114154-35 118577-85 122044-43m/kkj cdk;k 1103-29 248-58 ,uvkj

“kq) ykHk 2913-17 3009-64 3038-47

lafpr gkfu;ka ;fn dksbZ gksa & & &


%

i¡wth

i¡wth

jkT; lgdkjh cSad

- 33 -

60dr¨dm{f©H [anmoQ ©2019-2020

[email protected]/[email protected]&

v/;{k%Jh ekjfpUuk fl;e

,e-th-jksM] iz/kku dk;kZy;] f”kykWax&793 001


% %

% %

_.k ij C;kt nj & 9-00 ls 10-00tek laxzg.k ij C;kt nj & 4-00 ls 7-25_.k ij C;kt nj & 9-00 ls 10-00tek laxzg.k ij C;kt nj & 4-00 ls 7-25

% %

% %

Eks?kky; dksvkijsfVo ,isDl cSad fyfeVsM

fooj.k 2017&18 2018&19izeq[k foÙkh; ekun.M

_.k cdk;k 117302-21 137200-27 167311-99

forfjr _.k 18806-52 ,uvkj ,uvkjdqy iznÙk i¡wth 935-75 939-31 939-31

fuckZ/k vkjf{kr fuf/k;ka 12123-90 13085-60 14085-28i¡wth ij ifjlEifÙk;ksa dk vuqikr 19-68 19-10 ,uvkjvnÙk Tkek 245979-01 265676-69 281319-75

m/kkj cdk;k 5004-53 5405-10 4824-04“kq) ykHk 944-95 1025-24 1500-00lafpr ;fn dksbZ & & &,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½

¼ ½

gkfu;ka gksa

%

izcU/k funs”kd %Jh vks- bZ- ts- uksaxczh

nwjHkk’k% 0364&2224160@2225190

2019&20¼/kujkf”k yk[k #- esa½

fooj.k 2017&18 2018&19 2019&20

izeq[k foÙkh; ekun.M ¼/kujkf”k yk[k # esa½


ij ifjlEifÙk;ksa dk vuqikr¼ ½ 10-49 10-76 10-89vnÙk Tkek 385125-24 362225-81 464489-11m/kkj cdk;k 338843-19 350198-80 356432-44“kq) ykHk 4061-25 4436-36 4894-12lafpr gkfu;ka ;fn dksbZ gksaSaSa & & &

%

i¡wth

i¡wth

rsyaxkuk jkT; Lkgdkjh ,isDl cSad fyfeVsM

nwjHkk’k uEcj% 040&24685567bZ esy& [email protected] / [email protected]

v/;{kJh dksUMq: jfoUnj jko

4&1&441 cSad LVªhV Vªqi ckt+kj] vkfcn~l gSnjkckn & 500 001

izcU/k funs'kdMk- usfr eqjyh/kj

_.k ij C;kt dh nj & 5-00 ls 14-00tek laxzg.k ij C;kt dh nj & 4-75 ls 6-60

% %

% %

_.k ij C;kt dh nj & 5-00 ls 14-00tek laxzg.k ij C;kt dh nj & 4-75 ls 6-60

% %

% %


- 34 -

60dr¨dm{f©H [anmoQ ©2019-2020

cgqjkT;h; lgdkjh yS.M Msoyies.V cSad fyfeVsM ¼fcgkj&>kj[k.M½

nwjHkk’k& @0612&2226221 22bZesy&[email protected]

v/;{k %Jherh eerk flagv/;{k %

cq) ekxZ] iVuk & 800 001

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk;sa½ % 478

ij C;kt nj &% 11-00%_.k_.k ij C;kt nj &% 11-00%

izcU/k funs”kd %Jh vt; dqekj flagizcU/k funs”kd %

izeq[k foÙkh; ekun.M ¼/kujkf'k yk[k # esa½

fooj.k 2017&18 2018&19 2019&20

ukWVfjiksVZsM¼lwpuk vizkIr½

_.k cdk;k 5032-95forfjr _.k 175 00 169 00dqy iznÙk 2833 32 ,uvkjfuckZ/k vkjf{kr fuf/k;ka 1554 78 ,uvkj

ij ifjlEifÙk;ksa dk vuqikr¼ ½ 3 20 ,uvkjvnÙk Tkek 471 26 ,uvkjm/kkj cdk;k 860 66 860 66“kq) gkfu 2485 60 ,uvkj

& &

NR

- ------ --

gksa

%


i¡wth

i¡wth

lafpr gkfu;ka ;fn dksbZ

[email protected]&

v/;{k%Jh vkuan Hkqou nkl

vkJe jksM] mywckM+h] xkSgkVh & 781 007

deZpkfj;ksa dh fLFkfr,llh,vkjMh cSad ij ¼iz/kku dk;kZy; ,oa “kk[kk,a½ & 184

_.k ij C;kt nj % ,uvkjTkek laxzg.k ij C;kt nj & ,uvkj_.k ij C;kt nj % ,uvkjTkek laxzg.k ij C;kt nj & ,uvkj

vle jkT; lgdkjh d`f"k ,oa xzkeh.k fodkl cSad fy-

fooj.k 2017&18 2018&19izeq[k foÙkh; ekun.M

_.k cdk;k 996-22 1095-77 1178-60

forfjr _.k 182-28 226-94 208-33dqy iznÙk i¡wth 660-44 674-42 686-37

fuckZ/k vkjf{kr fuf/k;ka 1061-39 1061-39 1061-39i¡wth ij ifjlEifÙk;ksa dk vuqikr¼ ½ 46-32 46-67 ,uvkjvnÙk tek 266-15 357-71 316-78m/kkj cdk;k 2952-17 2952-17 2952-17“kq) ykHk@gkfu 16-16 ,uvkjlafpr gkfu;ka ;fn dksbZ 7635-38 7636-60 7636-60

%

(1.21)*

,uvkj dk rkRi;Z ukWV fjiksVZsM ¼lwpuk vizkIr½ *

gksadks’Bd es vafdr vad gkfu n”kkZrs gSaA

eq[; dk;Zdkjh funs'kd %Jh ?kkuk isxw

nwjHkk’k% 0361&2522201

2019&20¼/kujkf”k yk[k #- esa½

1- lkekU; tkudkjh

2019&20 ds nkSjku iw.kZ :ils fØ;k”khy ,llh,vkjMh

cSadksa ds fØ;k dykiksa ds vkadM+ksa fooj.k i= izfrosnu ds vuqyXud

esa fn;k x;k gSA

13 ,llh,vkjMh cSadksa ¼iw.kZ :i ls dk;Z”khy½ }kjk xro’kZ

¼2018&19½ esa # 4242-50 djksM+ ds dqy _.k forj.k ds lkis{k ds

nkSjku pkyw o’kZ ¼2019&20½ eas # 4214-40 djksM+ dk _.k forfjr

fd;k x;kA foxr dqN o’kksZa ls dqy _.k forj.k esa bl Lrj dh

fxjkoV dk izeq[k dkj.k foÙkh; L=ksrksa dha #dkoV dk gksuk jgk

gSA

blds vfrfjDr] 13 iw.kZ :i ls fdz;k”khy ,llh,vkjMh cSadksa esa ls

4 cSad dkQh yEcs le; rd ukckMZ ds iqufoZÙk dh igqap ls ckgj jgsa

blds lkFk gh dsjy] tks dqy forj.k dk 50 izfr”kr ls vf/kd ds

fy;s mÙkjnk;h gS] dks NksM+ dj] “ks’k vU; cSadksa ds iqufoZÙk vkgj.k

esa Hkh o`f) ugh gqbZZA dsoy ,llh,vkjMh cSad dsjy gh ,slk cSad gS

ftlus _.k forj.k esa egRoiw.kZ o`f) vafdr djkbZ vkSj ftlus

dqy _.k forj.k ds Lrj dks cuk;s j[kus es lgk;rk iznku djkbZ

vkSj Lrj dks rsth ls uhps fxjus ugha fn;kAa ,llh,vkjMh cSad

if”pe caxky] duk±Vdk vkSj rfeyukMq bu rhu cSadksa us _.k

forj.k esa xr o’kZ dh rqyuk esa vPNk dk;Z fd;kA 2018&19 esa

_.k forj.k yxHkx cUn dj pqdus ds ckn ,llh,vkjMh cSad

gfj;k.kk us bl o’kZ _.k forj.k dqN lhek rd iquthZfor dj

fy;kA iatkc] mÙkj izns”k vkSj jktLFkku mu izeq[k cSadksa easa gSa tgka

pkyw o’kZ ds nkSjku _.k forj.k xr o’kZ dh rqyuk esa dkQh de

jgkA

,llh,vkjMh cSadksa usa xro’kZ # 19760-87 ds lkis{k 31-03-2020

dks # 20102-57 djksM+ ds dqy _.k cdk;s ds lkFk xr o’kZ ds _.k

ekspu dh rqyuk esa dqy _.k forj.k esa vkbZ deh dks Li’V :i ls

bafxr fd;kA o’kZ 2018&19 esa # 3513-21 djksM+ ds lkis{k

2019&20 ds nkSjku dqy m/kkj jkf”k;ka # 4077-74 djksM+ FkhA buesa

ls 51 izfr”kr dh izkfIr dk L=ksr ukckMZ Fkk tcfd 46 izfr”kr

L+=ksr ,ulhMhlh vkSj vU; cSafdax O;oLFkk ls jgkA vo”ks’k 3

izfr”kr jkT; ljdkjkasa dh vksj ls ,llh,vkjMh cSadks dks rjyrk

lg;ksx ds :i esa lg;ksftr fd;k x;k A

iw.kZr;k fdz;k”khy ,llh,vkjMh cSadksa dk dqy m/kkj cdk;k

xro’kZ ds # 14871-10 djksM+ ls fxj dj 31-03-02020 dks #

13437-20 djksM+ ds fupys Lrj ij vk x;kA dqy m/kkj cdk;s esa

ukckMZ ds iqufoZÙk dk 86 izfr”kr fgLlk FkkA ukckMZ ds iqufoZÙk

cdk;s es o’kZ ds nkSjku 0-78 izfr”kr dh o`f) gqbZ tks xro’kZ ds

# 11]514-16 djksM+ ls c<+ dj o’kZ ds nkSjku # 11]604-44 gks x;kA

,llh,vkjMh cSad gfj;k.kk us vYidkyhu _.k ds xro’kZ

,ulhMhlh ls fy;s x;s _.k ls eqfDr gksdj rFkk ukckMZ ls o’kZ ds

nkSjku u;s iqufoZÙk dk ykHk fy;s fcuk gh foxr o’kZ ds iqufoZÙk dk

ekspu djrs gq;s vius m/kkj cdk;s esa mYys[kuh; deh gkfly dhA

31 ekpZ 2019 dks # 2113-92 djksM+ ds lkis{k iw.kZr;k fdz;k”khy

,llh,vkjMh cSadksa dk 31-03-2020 dks dqy vnÙk tek # 2129-21

djksM+ FkkA tek laxzg.k esa izFke nks LFkku ij ,llh,vkjMh cSad

dsjy vkSj dukZVd blds ckn xqtjkr] iatkc] rkfeYkukMw vkSj

if”pe caaxky gSa] ;|fi gfj;k.kk vkSj mÙkj izns”k ds tek laxzg.k esa

vHkh xfr ykbZ tkuh gSA 12 cSadksaa esa ls] ftuds fooj.k miyC/k gSa] 8

cSadksa us 2019&20 ds vUr esa vius vnÙk tek esa c<+ksÙkjh dhA ,d

cSad us vius Lrj dks ;Fkkor j[kk rFkk 4 cSadks dks xr o’kZ dh

rqqyuk esa udkjkRed o`f) dk lkeuk djuk iM+kA

Ok’kZ 2019&20 ds nkSjku ,llh,vkjMh cSadksa dh Mhlhch ¼ekax

laxzg.k ,oa vo”ks’k½ esa vkaf”kd lq/kkj gqvk gSA ,llh,vkjMh cSadksa

dh vkSlr olwyh xr o’kZ ds 40-70 izfr”kr ls c<+ dj o’kZ ds nkSjku

42-06 izfr”kr gqbZ gSA vafre m/kkjdÙkkZ Lrj ij cSad dh vkSlr

olwyh 36-37 izfr”kr ls c<+ dj 38-59 izfr”kr gqbZ gSA ;|fi

1- lkekU; tkudkjh

- 35 -

2019 & 20 ds nkSjku lnL; cSadksa ds fdz;kdykiksa dk izfrosnu

60dr¨dm{f©H [anmoQ ©2019-2020

- 36 -

vf/kdka”k jkT;ksa esa olwyh dh fLFkfr foeqnzhdj.k ls iwoZ ds Lrj ij

okil yk;k tkuk vHkh “ks’k gSA

,llh,vkjMh cSadksa dh dqy ekax esa 10-5 izfr”kr dh o`f) ds lkFk

# 10766 djksM+ ls c<++ dj 2019&20 esa #11898 gks xbZ gSA laxzg.k

dh dqy /kujkf”k 14 izfr”kr dh o`f) ds lkFk # 4381 djksM+ ls c<+

dj # 5004 djksM+ gks xbZA mRre olwyh ds ckotwn] ,llh,vkjMh

cSadks dk dqy cdk;k xro’kZ ls 8 izfr”kr vf/kd dh o`f) n”kkZrs gq,

# 6384 djksM+ ls c<+dj # 6894 djksM+ gks x;kA

vafre _.k izkIrdÙkkZ Lrj ij 2018&19 esa 9-8 izfr”kr dh o`f) ds

lkFk # 13183 djksM+ ls c<+dj 2019&20 esa dqy ekax # 14473

djksM+ gkas xbZA blds fo#) xro’kZ # 4797 djksM+ ds lkis{k 16-4

izfr”kr dh o`f) ds lkFk 2019&20 esa # 5585 djksM+ dh olwyh dh

xbZA fQj Hkh vafre _.kh lnL; Lrj ij dqy /kujkf”k esa 6

izfr”kr dh o`f) ds lkFk 2018&19 esa # 8389 djksM+ ls c<+ dj

2019&20 esa # 8889 djksM+ igqap xbZA

,llh,vkjMh cSadksa ds lexz ,uih, ds dqy vkSlr esa xr o’kZ ds

27-08 izfr”kr ls 2019&20 esa 29-50 izfr”kr dh o`f)A dsoy dsjy

vkSj ikf.Mpsjh dk dqy ,uih, dze”k% 5-81 izfr”kr vkSj

2-2 izfr”kr ds lUrks’ktud Lrj ij gSA rfeyukMq dk ,uih, Hkh

15-64 izfr”kr ij jksds gq;s gSa tcfd vU; lHkh ,llh,vkjMh cSadksa

dks ,uih, 20 izfr”kr ls vf/kd gS vkSj f=iqjk vkSj gfj;k.kk ds

ekeyks esa rks ,uih, us 80 izfr”kr ls vkxs fudy pqdk gSA

iw.kZr;k dk;kZRed ,llh,vkjMh cSadks esa iwoZ laijhf{kr vkadMksa ds

vuqlkj] 8 cSdksa us 2019&20 ds nkSjku “kq) ykHk n”kkZ;k gSA

,llh,vkMh cSd gfj;k.kk tks xr o’kZ gkfu esa Fkk] us bl o’kZ fLFkfr

myV nhA tcfd ,llh,vkjMh cSad fgekapy izns”k tks foxr dbZ

o’kksaZ ls fiNys o’kZ rd ykHk ij Fkk] dks bl o’kZ # 1-85 djksM+ dh

“kq) gkfu gqbZA bu cSadksa }kjk xr o’kZ vftZr ykHk # 123-92 djksM+

ds lkis{k 2019&20 esasa # 153-82 djksM+ dh o`f) gqbZA 2019&20 esa

5 ,llh,vkjMh cSadksa dks ftUgsa dqy gkfu gqbZ] us viuh dqy

gkfu;ksa dks # 244-35 djksM+ ls de djrs gq, o’kZ ds nkSjku

# 185-91 djksM+ ij uhps ys vk,A

60dr¨dm{f©H [anmoQ ©2019-2020

QsMjs'ku] lajpuk dks lqn`<+ cukus rFkk lnL; cSadksa dh

xfrfof/k;ksa ds foLrkj ds vius iz;klksa ds lkFk dsUnz vkSj jkT;

ljdkjksa] ukckMZ] Hkkjrh; fjtZ+o cSad] ,u‐lh‐Mh‐lh‐]

,u‐lh‐;w‐vkbZ‐ rFkk vU; vfHkdj.kksa ,oa laLFkkvksa ds lkFk fujUrj

lEcU/k vkSj lEidZ cuk;s gq;s gSA izcU/ku e.My bu lHkh

vfHkdj.kksa vkSj laLFkkvksa }kjk QsMjs'ku dks fn;s x;s mudh

vkyEcu ,oa lg;ksx ds fy;s ÑrKrk Kkfir djrk gSA

QsMjs'ku rFkk bldh lnL; laLFkk;sa Ñf"k ,oa d`’kd dY;k.k

ea=ky; Hkkjr ljdkj ls foÙkh; ,oa uhfrxr lg;ksx izkIr djrs

jgs gSaA izcU/ku e.My Jh iqj‘kksÙke :ikyk] jkT;ea=h] d`f’k ,oa

d`’kd dY;k.k o ea=ky; dks QsMjs'ku ,oa nh?kZ dkyhu lgdkjh

lk[k lajpuk dks mld¢ }kjk fujUrj fn;s tk jgs leFkZu ,oa

ekxZn'kZu ds fy;s vkHkkj izn'kZu djrk gSaA

vkjEHk ls gh ukckMZ ,l‐lh‐,‐vkj‐Mh‐ cSadksa dks iquZfoÙk lg;ksx

ds lkFk izxfr esa lg;ksx iznku djrk jgk gS izcU/ku e.My

ukckMZ dks ,l‐lh‐,‐vkj‐Mh‐ cSadksa dks mlds lrr iquZfoÙk

lg;ksx rFkk nh?kZ dkyhu lgdkjh lk[k lajpuk dks lqn`<+ cukus

ds fy;s buds }kjk fuoZgu dh tk jgh egRoiw.kZ Hkwfedk ds fy;s

ÑrKrk Kkfir djrk gSA

ge] ,u‐lh‐Mh‐lh‐],u,pch] vuqlwfpr okf.kfT;d cSad rFkk

jkT; lgdkjh cSadksa ds izfr Hkh viuk vkHkkj Kkfir djrs gSa] tks

,l‐lh‐,‐vkj‐Mh‐ cSadksa dks foÙkh; lg;ksx iznku djrs vk jgs gSa

ftlls mUgsa vius lnL;ksa dks mudh _.k lEcU/kh

vko”;drkvksaa dks vis{kkÑr vPNs <ax ls iwjk djus esa enn

feyh gSA

QsMjs'ku ds fØ;kdykiksa esa ,u‐lh‐;w‐vkbZ‐ viuk lfØ; lg;ksx

djrk jgk gSA QsMjs'ku bl mnkjrk dh ljkguk djrs gq;s MkW-

pUnz iky flag v/;{k rFkk eq[; dk;Zdkjh vf/kdkjh Jh lR;

ukjk;.k ds izfr viuk vkHkkj iznf'kZr djrk gSA

izfrosfnr o"kZ easa QsMjs'ku dks vius lnL; cSadksa ls fujUrj

foÙkh; ,oa vU; nwljs lg;ksx ds lkFk leFkZu feyrk jgk gSaA

ge vius lnL; cSadksa ds izcU/ku] dfeZ;ksa fo'ks"k :i ls

,llh,vkjMh cSadksa ds v/;{k ,oa eq[; dk;Zdkjh vf/kdkfj;ksaa ds

izfr xgu vkHkkj O;Dr djrs gSaA izcU/ku e.My ekuuh;

v/;{k Jh ds f”konklu uk;j ds izfr ÑrKrk Kkfir djrk gS]

ftUgksusa ekuuh; mik/;{kksa Jh ds 'knk{kjh] Jh ds- johUnj jko]

Jh fct; dqekj flag] rFkk Jh ejfpUuk fl;ke ftUgksusa

QsMjs'ku rFkk nh?kZ dkyhu lk[k lajpuk dks izHkko'kkyh usr`Ro

iznku fd;kA

nh?kZdkyhu lk[k lajpuk ds fofHkUu eqn~nksa dks Hkkjr ljdkj ds

mfpr vf/kdfj;ksa ds le{k izLrqr djkus esa cgqewY; lg;ksx rFkk

funs”kd e.My esa lg;ksftr lnL; ds :i ekxZn”kZu ds fy;s

izcU/ku e.My Jh ds ijcr HkkbZ iVsy] ekuuh; lkaln ds izfr]

ÑrKrk Kkfir djrk gSA

izcU/ku e.My Jh ds- ds- jfoUnzu] izcU/k funs'kd dh lsokvksas dh

ljkguk djrk gS ftUgksusa iw.kZ fu"Bk ,oa leiZ.k ds lkFk eq[;

dk;Zdkjh ds nkf;Roksa dk fuoZgu fd;kA izcU/ku vius lHkh

vf/kdkfj;ksa ,oa dfeZ;ksa }kjk izfrosfnr o"kZ esa dh xbZ lsok ,oa

lg;ksx dh ljkguk djrk gSA

izcU/ku e.My dh vksj ls]

v/;{kds- f'konklu uk;j

- 37 -

vkHkkj

60dr¨dm{f©H [anmoQ ©2019-2020

- 38 -

60dr¨dm{f©H [anmoQ ©2019-2020

¼/kujkf'kyk[kksa

esa½

rkfy

dk1&

_.k

forj

.k,o

a _.k

vo'

ks"k

,llh,vkjMh

dkuke

Øe

la[;

kÑf"k

{ks=

2019

&20

esaforf

jr_.k

31ekpZ 2

020

dkscd

k;k_.k

2018

&19

esaforf

jr_.k

d`f"k

{ks=

dqy

cdk;

k_.k

¼7+$8

½

cdk;

k_.k

31ekpZ

2019

dks

vÑf"k

{ks=

¼vkj,p

,l@

,l-Vh_.k@

vU;

lfgr½

dqy

forf

jr_.k

¼3$4

½

vÑf"k

{ks=

¼vkj,p

,l@

,l-Vh_.k@

vU;

lfgr½

12

34

56

78

910

1.

9887.0

93765.1

713652.2

614956.7

851795.4

64205.6

756001.1

358196.1

9

2.

6649.8

82298.5

78948.4

52643.5

996724.8

826887.2

5123612.1

3147602.2

7

3.

4637.8

711

75.6

25813.4

98498.7

9311

11.2

612980.4

144091.6

745388.8

1

4.

661.3

6243.0

7904.4

311

82.7

94233.9

81532.5

15766.4

95788.4

3

5.

26463.1

0530.2

126993.3

124563.4

6174609.2

93296.9

2177906.2

11411

84.0

8

6.

79288.6

0142474.7

8221763.3

8220951.6

0238917.4

2472919.2

1711

836.6

3665853.7

7

7.

0.0

02375.8

62375.8

62441.5

70.0

03590.2

23590.2

23188.8

4

8.

1010.3

3243.9

01254.2

317486.1

7142024.0

581085.9

3223109.9

8248012.0

5

9.

7258.2

8681.0

07939.2

813932.5

3128964.5

437134.4

4166098.9

8158159.7

0

10.

0.0

097474.7

597474.7

577322.1

50.0

092846.8

292846.8

273647.6

0

11.

0.0

01322.5

8

12.

4281.0

1827.5

25108.5

315180.3

2280706.4

6313280.4

8

13.

24694.5

84517.3

429211

.92

25090.3

992800.4

831890.0

7124690.5

511

4462.6

3

164832.1

0256607.7

9421439.8

9424250.1

49611

81.3

6768369.4

52010257.2

71976087.4

3

xqtjkr

gfj;

k.kk

fgekapy i

zns'k

tEew o

d'e

hj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfey

ukMq

f=iqj

k,u

vkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

mÙkj izn

s'k,u

vkj

,uvkj

if'p

e cax

ky

¼1½ ,u

vkj d

k rkRi;Z l

wpuk v

izkIrA

¼2½

_.k

forj

.k,o

a_.k

vo'

ks"kdh fLFkfr

tuo

jh20

20rd

A

$

;ksx

1 ls 1

3

fVIi.kh%

[]

$

- 39 -

rkfydk & m/kkj jkf'k;ka o"kZ ds nkSjku२ ¼/kujkf'k yk[kksa esa½

,llh,vkjMhdk uke ukckMZ

o"kZ 2019&20 ds nkSjku ,df=r

jkT; ljdkj vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½

vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½

2019-20(3+4+5+6) 2018-19dsUnz ljdkj

dqy ;ksxØela[;k

1 2 3 4 5 6 7 8

1. 10000.00 0.00 0.00 0.00 10000.00 0.00

2. 0.00 0.00 10000.00 0.00 10000.00 20000.00

3. 3851.60 0.00 0.00 0.00 3851.60 6830.60

4. 0.00 0.00 0.00 0.00 0.00 0.00

5. 16909.00 0.00 1000.00 0.00 17909.00 29094.83

6. 135000.00 0.00 0.00 116720.00 251720.00 192555.00

7. -148.96

8. 3564.00 0.00 0.00 46900.00 50464.00 33102.14

9. 11420.00 0.00 0.00 17670.37 29090.37 32423.55

10. 0.00 0.00 0.00 27.72 27.72 4.20

11. 0.00

12. 7012.00 0.00 0.00 700.00 7712.00 12459.93

13. 27000.00 0.00 0.00 0.00 27000.00 25000.00

,uvkj ,uvkj ,uvkj ,uvkj ,uvkj


214756.00 0.00 11000.00 182018.09 407774.09 351321.29

xqtjkr

gfj;k.kk

fgekapy izns'k

tEew o d'ehj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfeyukMq

f=iqjk

mÙkj izns'k

if'pe caxky

;ksx ¼1 ls 13½fVIi.kh % ,uvkj dk rkRi;Z lwpuk vizkIrA

rkfydk & m/kkj jkf'k;ksa dk vo'ks"k३ ¼/kujkf'k yk[kksa esa½

,llh,vkjMhdk uke ukckMZ

31 ekpZ 2020 dks m/kkj jkf'k;ksa dk vo'ks"k

jkT; ljdkj vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½

vU; ¼,ulhMhlh@,u,pch@,llhch vkfn½

31 ekpZ 2020dks ¼3$4$5$6½ 31-03-2019 dksdsUnz ljdkj

dqy ;ksxØela[;k

1 2 3 4 5 6 7 8

1. 11329.52 0.38 100.09 0.00 11429.99 6911.63

2. 33868.23 3441.13 98522.00 0.00 135831.36 157359.64

3. 23446.04 610.06 23.70 147.28 24227.08 27716.86

4. 0.00 279.28 336.72 0.00 616.00 641.00

5. 119253.37 2005.62 5288.87 0.00 126547.86 141693.40

6. 583290.93 179.96 179.96 12682.33 596333.18 622408.42

7. 0.00 0.00 0.00 451.89 451.89 385.70

8. 136620.90 128.39 7.31 43600.00 180356.60 204885.56

9. 88067.73 1228.80 1228.81 6149.35 96674.69 113791.84

10. 0.00 0.00 6389.87 34.62 6424.49 6396.77

11. 2003.34

12. 61592.84 109.28 109.28 9065.14 70876.54 113548.52

13. 93946.69 1.79 1.78 0.00 93950.26 89367.46


1151416.25 7984.69 112188.39 72130.61 1343719.94 1487110.14

fVIi.kh % ,uvkj dk rkRi;Z lwpuk vizkIrAvo'ks"k dh fLFkfr tuojh 2020 rdA

(1)

(2) $

xqtjkr

gfj;k.kk

fgekapy izns'k

tEew o d'ehj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfeyukMq

f=iqjk

mÙkj izns'k

if'pe caxky

;ksx ¼1 ls 13½

$

60dr¨dm{f©H [anmoQ ©2019-2020

- 40 -

60dr¨dm{f©H [anmoQ ©2019-2020

rkfydk & tek laxzg.k४ ¼/kujkf'k yk[kksa esa½

31.03.2019 31.03.2020

o"kZ ds vUr esa tek vo'ks"kØela[;k

,llh,vkjMh dk uke

xqtjkr

gfj;k.kk

fgekapy izns'k

tEew o d'ehj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfeyukMq

mÙkj izns'k

if'pe caxky

;ksx ¼1 ls 12½

$

31.03.2020 31.03.2019 31.03.2020

bl frfFk dks ykHk@gkfu

31.03.2019

1. 2101.51 2525.00 0.00 0.00

2. (7638.23) 6392.30 45426.53 39034.23

3. 22.80 (185.41) 0.00 35.18

4. (7993.97) (9602.86)

5. 75.67 75.67 0.00 0.00

6. 2565.50 2780.50 0.00 0.00

7. (50.64) (50.64) 434.50 434.50

8. 120.49 227.34 0.00 0.00

9. 4420.46 2992.90 0.00 0.00

10. 2762.39 30.77 0.00 0.00

11. (301.26) (301.26) 1946.64 1946.64

12. (8451.00) (8451.00) 10955.26 10955.26

13. 322.93 357.70 1044.13 865.92

,uvkj ,uvkj

fVIi.kh %&¼1½ dks"Bd esa vafdr /kujkf'k gkfu n'kkZrh gSA¼2½ 31-03-2019 dh fLFkfr leh{kk ds fy, foPkkj.kh; gSA

,uvkj dk rkRi;Z lwpuk vizkIrA*

(3)

rkfydk 5 ykHk@gkfu ¼‘kh”kZLFk cSad Lrj ij½- ¼/kujkf'k yk[kksa esa½

,llh,vkjMh dk ukebl frfFk dks lafpr gkfuØe

la[;k

xqtjkr

gfj;k.kk

fgekapy izns'k

tEew o d'ehj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfeyukMq

f=iqjk

mÙkj izns'k

if'pe caxky

*

*

*

*

1. 27041.55 26711.79

2. 10.33 538.97

3. 9934.52 10375.29

4. 16645.93 18033.67

5. 31110.12 34885.26

6. 47978.40 40963.75

7. 2989.27 3289.61

8. 23518.03 25485.80

9. 1242.15 579.70

10. 23249.09 24130.55

11. 5474.32 5161.62

12 22198.50 22764.85

211392.21 212920.86

fVIi.kh % vo'ks"k dh fLFkfr tuojh 2020 rdA$

- 41 -

Øe

la[;

k

-44

-

¼/kujkf'kyk[kksa

esa½rkfy

dk

xSjfu"ikfn

rvkfLr;ka¼,uih,½

6-

--

-rkfy

dk

xSjfu"ikfn

rvkfLr;ka¼,uih,½

6-

--

-

31ekpZ 2

020

dks

,llh,vkjMh

cSaddkuke

dqy

_.k

cdk;

kdqy

,uih,

dqy

,uih,

cdk;

k_.k

ds i

zfr'kr

ds

:i

esa,u

ih,

cdk;

k_.k

ds i

zfr'kr

ds

:i

esa,u

ih,

31ekpZ 2

019

dks

1.

58196.2

032252.6

855.4

256000.5

631582.7

256.4

0

2.

19311

8.0

51611

55.7

983.4

5187944.1

6152321.3

181.0

5

3.

45388.8

211

575.3

125.5

044091.6

813663.0

930.9

9

4.

5788.4

31559.0

726.9

35766.4

91598.3

627.7

2

5.

178253.0

252257.5

929.3

2177906.2

157693.7

532.4

3

6.

665853.7

714918.7

92.2

4711

836.6

341346.4

05.8

1

7.

3188.8

470.6

52.2

23188.8

470.6

52.2

2

8.

253854.6

143423.3

117.1

1227362.6

862882.7

727.6

6

9.

157159.7

069713.5

044.3

6147638.6

575488.2

651.1

3

10.

73647.6

011

517.6

115.6

473647.6

011

517.6

115.6

4

11.

1322.5

811

90.3

290.0

01322.5

811

90.3

290.0

0

12.

272480.1

4120736.5

744.3

1272480.1

4120736.5

744.3

1

13.

114462.6

327316.7

723.8

7124690.5

529906.2

323.9

8

2022714.3

9547687.9

627.0

82033876.7

7599998.0

429.5

0

fVIi.kh %&

31-03-20

19 d

h fLFkfr l

eh{kk d

s fy,

foPkkj.kh; g

SA*

dqy

_.k

cdk;

k

xqtjkr

gfj;

k.kk

fgekapy i

zns'k

tEew o

d'e

hj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfey

ukMq

f=iqj

k

mÙkj izn

s'k

if'p

e cax

ky

;ksx ¼1

ls 1

3½

* *

*

*

60dr¨dm{f©H [anmoQ ©2019-2020

- 42 -

rkfy

dk7

&eakx]laxzg.

k]vo'

ks"kdhfLFkfRk

rkfy

dk7

&eakx]laxzg.

k]vo'

ks"kdhfLFkfRk

Øe

la[;

k,l

lh,vkjMh

dkuke

ekax

ekax

_.k

olwyh

_.k

olwyh

vo'

ks"kvo'

ks"kol

wyh

izfr'

kr(%

)

olwyh

izfr'kr

(%)

31ekpZ 2

019

dksol

wyh

izfr'

kr(%

)

31ekpZ

2019

dksol

wyh

izfr'

kr(%

)

'kh"kZLFkcSad

Lrj

ij31

ekpZ 2

020

dhfLFkfr

vafr

e_.k

ykHkkF

khZLr

jij

31ekpZ 2

020

dhfLFkfr¼/kujkf'kyk[kksa

esa½

1.61

339.

0021

249.

4340

089.

5734

.64

32.6

561

339.

0021

249.

4340

089.

5734

.64

32.6

5

2.18

1220

.53

2416

1.50

1570

59.0

313

.33

6.67

2070

58.2

243

744.

9616

3313

.26

21.1

35.

58

3.15

342.

8848

49.0

710

493.

8131

.60

31.8

716

664.

6461

70.8

310

493.

8137

.03

37.0

0

4.32

10.6

112

38.3

919

72.2

238

.30

45.6

632

10.6

112

38.3

919

72.2

238

.30

45.6

6

5.13

6419

.57

3530

4.81

1011

14.7

625

.88

22.2

499

975.

7740

012.

2359

963.

5440

.02

30.6

9

6.20

3073

.14

1787

57.6

224

315.

5288

.03

95.3

628

8075

.88

1574

17.1

713

0658

.71

54.6

464

.36

7.29

25.1

927

07.3

621

7.83

92.5

593

.90

2925

.19

2707

.36

217.

8392

.55

93.9

0

8.10

1497

.12

2999

3.06

7150

4.06

29.5

531

.00

2113

15.3

630

650.

4518

0664

.91

14.5

017

.88

9.11

3380

.40

3534

5.33

7803

5.07

31.1

725

.89

1239

63.6

841

984.

9581

978.

7333

.87

30.1

1

10.

9061

6.22

7817

0.02

1244

6.20

86.2

685

.65

1287

74.1

212

0083

.49

8690

.63

93.2

590

.98

11.

12.

2179

19.3

162

505.

3415

5413

.97

28.6

819

.16

2179

19.3

162

505.

3415

5413

.97

28.6

819

.16

13.

6288

1.47

2613

6.91

3674

4.56

41.5

740

.38

8614

0.17

3072

4.25

5541

5.92

35.6

739

.98

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

,uvkj

1189

825.

4450

0418

.84

6894

06.6

042

.06

40.7

014

4736

1.95

5584

88.8

588

8873

.10

38.5

936

.37

fVIi.kh %& ¼1½ ,

uvkj d

k rkRi;Z

lwpuk v

izkIrA

¼2½

31-06-20

19 d

h fLFkfr l

eh{kk ds fy,

foPkkj.kh; g

SA@

xqtjkr

gfj;

k.kk

fgekapy i

zns'k

tEew o

d'e

hj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfey

ukMq

f=iqj

k

mÙkj izn

s'k

if'p

e cax

ky

;ksx ¼1

ls 1

3½

@

@ @

60dr¨dm{f©H [anmoQ ©2019-2020

- 43 -

60dr¨dm{f©H [anmoQ ©2019-2020

,llh,vkjMh

cSaddkuke

,llh

,vkjM

h cSadk

sads

deZpk

fj;ksa

dhla[

;k

ihlh,vkjMh

cSadksa

ds d

eZpkfj

;ksa

dh l

a[;k

dze la[;k fVIi.kh %& ¼1½ ,

u, d

k rkRi;Z

ykxw u

ghaA

¼2½

31-03-20

19 d

h fLFkfr l

eh{kk ds fy,

foPkkj.kh; g

SA*

'kk[kkv

ksadh

la[;

k¼,dkRe

d@

fefJ

rLo

:i½

ihlh,vkjMh

cSadksa

dhla[;

k¼l

a?kh;@

fefJ

r<kapk

½

31.3

.201

931

.3.2

019

31.3

.201

931

.3.2

019

31.3

.202

031

.3.2

020

31.3

.202

031

.3.2

020

rkfy

dk8

&usV

odZ]lnL

;rk

]p;fur

izcU/ke.

My,o

a deZp

kjh¼,llh,vkjMh

cSad½

31.3

.202

031

.3.2

019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019

31.3.

2020

31.3.

2019

ihlh,vkjMh

cSadks

dhla[;

k¼Q

sMjy

LVªDp

j½

dqy

lnL

;la[;

k¼_

.kh,o

a xSj

_.kh½

_.khlnL

;D;

k ,ll

h,vkjM

h cSad

dkfuokZf

prizc

U/ku

e.My

gS\¼gk

a@ugha½

ihlh,v

kjMh c

Sadksa

dhla[

;ktg

kafuokZf

prcksM

Z gS

()

la[;

k

1.18

118

142

641

3710

075

7273

9732

332

0,u

,,u

,,u

,,u

,ug

haug

ha,u

,,u

,,u

,,u

,

ugha

ugha

gka

gka

,u,

,u,

,u,

,u,

ugha

ugha

,u,

,u,

,u,

,u,

,u,

,u,

gka

gka

gka

gka

,u,

,u,

,u,

,u,

ugha

ugha

,u,

,u,

,u,

,u,

gka

gka

ugha

ugha

gka

gka

,u,

,u,

,u,

,u,

gka

gka

,u,

,u,

,u,

,u,

,u,

,u,

,u,

,u,

gka

gka

,u,

,u,

,u,

,u,

ugha

ugha

2.0

019

1971

7173

2190

7307

3110

9419

1004

940

1962

6879

274

3

3.51

511

130

3093

473

9386

039

856

3922

11

116

917

052

50

4.51

5197

799

9830

178

183

7848

523

922

5

5.25

2517

817

811

1040

711

5596

361

4899

6598

7417

617

630

628

156

251

9

6.14

1475

7516

216

213

1469

213

1469

269

5290

6952

9073

7320

317

712

3812

38

7.1

151

4251

4238

0238

0230

30

8.0

089

890

083

2754

8330

7799

760

8134

579

7722

719

264

763

2

9.7

736

3612

512

412

2793

012

2793

074

2918

7429

1813

1269

5832

927

1

10.

00

180

180

00

1358

533

1358

533

1799

9020

2153

180

180

104

9345

745

5

11.

55

2257

322

573

2742

2742

2727

12.

323

323

2984

342

2942

215

2757

741

2800

106

2940

2855

13.

22

2424

7373

3820

3042

4228

2210

4324

2142

2121

8080

581

585

660

660

602

602

461

460

1020

4506

1024

4345

5553

215

5655

969

--

543

559

4779

4576

4658

4493

xqtjkr

gfj;

k.kk

fgekapy i

zns'k

tEew o

d'e

hj

dukZVd

dsjy

ikf.Mpsjh

iatkc

jktLFkku

rfey

ukMq

f=iqj

k

mRr

jizns'

k

if'p

e caXkky

*

*

*

;ksx

¼1

ls 1

3½

LIST OF MEMBERS (31.03.2020)

1. Assam State Co-operative Agriculture & RuralDevelopment Bank Ltd., Guwahati.

2. The Multi State Cooperative Land DevelopmentBank Ltd. (Bihar-Jharkhand), Patna.

3. Gujarat State Co-operative Agriculture & RuralDevelopment Bank Ltd., Ahmedabad.

4. Haryana State Co-operative Agriculture & RuralDevelopment Bank Ltd., Panchkula.

5. Himachal Pradesh State Co-operative Agriculture& Rural Development Bank Ltd., Shimla.

6. Jammu & Kashmir State Co-operative Agriculture& Rural Development Bank Ltd., Srinagar.

7. Karnataka State Co-operative Agriculture & RuralDevelopment Bank Ltd., Bangalore.

8. Kerala State Co-operative Agricultural & RuralDevelopment Bank Ltd., Thiruvananthapuram.

9. Odisha State Co-operative Agricultural & RuralDevelopment Bank Ltd., Bhubaneshwar.

10. Pondicherry Co-operative Central LandDevelopment Bank Ltd., Pondicherry.

11. Punjab State Co-operative AgriculturalDevelopment Bank Ltd., Chandigarh.

12. Rajasthan Rajya Sahakari Bhoomi Vikas BankLtd., Jaipur.

13. Tamil Nadu Co-operative State Agriculture &Rural Development Bank Ltd., Chennai.

14. Tripura Co-operative Agriculture & RuralDevelopment Bank Ltd.,Agartala.

15. Uttar Pradesh Sahakari Gram Vikas Bank Ltd.,Lucknow.

16. West Bengal State Co-operative Agriculture &Rural Development Bank Ltd., Kolkata.

17. Delhi State Cooperative Bank Ltd., New Delhi.

18. Meghalaya Co-operative Apex Bank Ltd.,Shillong.

19. Telangana State Co-operative Apex Bank Ltd.,Hyderabad.

lnL;ksa dh lwph ¼31-03-2020½

1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] xqokgVhA

2- cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy‐]¼fcgkj&>kj[k.M½] iVukA

3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] vgenkcknA

4- gfj;k.kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]iapdqykA

5- fgekapy izns”k jkT; d`f’k ,oa xzkeh.k fodkl cSadfy‐] f”keykA

6- tEew o d”ehj jkT; d`f’k ,oa xzkeh.k fodklcSad fy‐] JhuxjA

7- dukZVd jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]cSaxyksjA

8- dsjy jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]fFk#ouUriqjeA

9- mM+h'kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]Hkqous”ojA

10- ikf.Mpsjh lgdkjh dsUnzh; Hkwfe fodkl cSad fy‐ikf.MpsjhA

11- iatkc jkT; d`f’k ,oa xzkeh.k fodkl cSad fy]p.Mhx<+A

12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy]t;iqjA

13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodklcSad fy] psuSbZA

14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]vxjrykA

15- mÙkj izns”k lgdkjh xzke fodkl cSad fy‐]y[kuÅA

16- if”pe caxky jkT; d`f’k ,oa xzkeh.k fodkl cSadfy] dksydrkA

17- fnYyh jkT; lgdkjh cSad fy‐] ubZ fnYyhA

18- es?kky; lgdkjh ,isDl cSad fy] f”kykaxA

19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy] gSnjkcknA

1- vle jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] xqokgVhA

2- cgqjkT;h; lgdkjh Hkwfe fodkl cSad fy‐]¼fcgkj&>kj[k.M½] iVukA

3- xqtjkr jkT; lgdkjh d`f’k ,oa xzkeh.k fodklcSad fy‐] vgenkcknA

4- gfj;k.kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]iapdqykA

5- fgekapy izns”k jkT; d`f’k ,oa xzkeh.k fodkl cSadfy‐] f”keykA

6- tEew o d”ehj jkT; d`f’k ,oa xzkeh.k fodklcSad fy‐] JhuxjA

7- dukZVd jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]cSaxyksjA

8- dsjy jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]fFk#ouUriqjeA

9- mM+h'kk jkT; d`f’k ,oa xzkeh.k fodkl cSad fy‐]Hkqous”ojA

10- ikf.Mpsjh lgdkjh dsUnzh; Hkwfe fodkl cSad fy‐ikf.MpsjhA

11- iatkc jkT; d`f’k ,oa xzkeh.k fodkl cSad fy]p.Mhx<+A

12- jktLFkku jkT; lgdkjh Hkwfe fodkl cSad fy]t;iqjA

13- rfeyukMq lgdkjh jkT; d`f’k ,oa xzkeh.k fodklcSad fy] psuSbZA

14- f=iqjk lgdkjh d`f’k ,oa xzkeh.k fodkl cSad fy]vxjrykA

15- mÙkj izns”k lgdkjh xzke fodkl cSad fy‐]y[kuÅA

16- if”pe caxky jkT; d`f’k ,oa xzkeh.k fodkl cSadfy] dksydrkA

17- fnYyh jkT; lgdkjh cSad fy‐] ubZ fnYyhA

18- es?kky; lgdkjh ,isDl cSad fy] f”kykaxA

19- rsyaxkuk jkT; lgdkjh ,isDl cSad fy] gSnjkcknA

NATIONAL COOPERATIVE AGRICULTURE & RURAL

DEVELOPMENT BANKS' FEDERATION LTD.

Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h… ¥…EÚ…∫… §…ÈEÚ®…Ω˛…∫…ΔP… ®…™……« n˘i…

Æ˙…π]≈ı“™… ∫…Ω˛EÚ…Æ˙“ EfiÚ π… B¥…Δ O……®…“h… ¥…EÚ…∫… §…ÈEÚ®…Ω˛…∫…ΔP… ®…™……« n˘i…

701, 7dr _§{Oµ b, E - qdJ, ~rEgB©Eb Q oH nmH© ,aoëdo ñQ oeZ Ho gm_Zo, dmer, Zdr _w§~B© - 400 703

Q obr\ moZ (H m`m©b`) : 022-2781 4224 / 426 / 226(E_.S r) : 2781 4114\¡ Šg : 91-22-2781 4225B©-_ob :do~gmB©Q :

[email protected]

www.nafcard.org

701, 7th Floor, BSELTech Park, A Wing,

Opp. Railway Station, Vashi, Navi Mumbai-400703

Telephone (Office): 022-27814114 / 426 / 226

(M.D.): 022 - 27814224

Fax: 91-22-27814225

E-mail:

Website: www.nafcard.org

[email protected]

§…ÈC∫…

ANNUAL REPORT 2019-2020 60dr¨ dm{f©H [anm}Q 2019-2020

Documents

Transcript of ANNUAL REPORT 2019-2020 60dr¨ dm{f©H [anm}Q 2019-2020