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A S S A M G R A M I N V I K A S H B A N K

18th A N N U A L R E P O R T, 2 0 1 2 - 1 3

1. Chairman

Appointed by United Bank of India (Sponsor Bank)

under Sec.11(1)of the RRB Act,1976

Shri Satya Narayan Sahu

From 31.08.2009 to 01.11.2012

Shri Shio Shankar Singh

From 02.11.2012

2. Nominee Directors of Govt. of India

Nominated by Govt. of India under Sec.9(1)(a) of the RRB Act, 1976

Shri S Z Laskar

from 17.12.2008

Shri P L Dev Mahanta

from 02.06.2009

3. Nominee Director of Reserve Bank of India

Nominated under sec.9(1)(b) of the RRB Act,1976

Shri S C Sarkar, AGM

RPCD, Reserve Bank of India, Guwahati

from 11.02.2010 to 09.10.2012

Shri R.C.Sarma, AGM

RPCD, Reserve Bank of India, Guwahati

from 10.10.2012

4. Nominee Director of National Bank

Nominated under sec.9(1)(c) of the RRB Act,1976

Shri M C Gayari,DGM

NABARD, Guwahati

From 11.07.2011

5. Nominee Directors of Sponsor Bank

Nominated under sec.9(1)(d) of the RRB Act,1976

Shri Rathin De, DGM & CRM

United Bank of India, Guwahati Regional Offi ce

From 16.03.2011 to 10.06.2012

Shri G.P.Sharma, DGM & CRM

United Bank of India, Guwahati Region, Guwahati

From 11.06.2012

Shri T K Chattopadhyay, AGM (Lead Bank )

United Bank of India, Head Offi ce, Kolkata

From 11.11.2011 to 10.06.2012

Shri M. Dhar, General Manager (FI & Prisec)

United Bank of India, Head Offi ce, Kolkata

From 11.06.2012

6. Nominee Directors of Govt. of Assam

Nominated under sec.9(1)(e) of the RRB Act,1976

Shri S P Nandy, IAS

Secretary, Finance Department, Govt. of Assam

From 15.02.2006 to 06.07.2012

Shri A.Bordoloi, ACS, Additional Secretary

Chief Minister’s Offi ce, Govt. of Assam, Dispur, Guwahati-6

From 07-07-2012

Shri A Chakraborty, ACS

Joint Secretary, Finance Department, Govt. of Assam

From 13.07.2011

BOARD OF DIRECTORS

Shri S S Singh

Sh

ri S

Z L

askar

Sh

ri P

L D

ev M

ah

an

ta

Shri R C Sarma

Shri M C Gayari

Shri M

Dhar

Shri G

.P.

Sharm

a

Shri A

Bo

rdo

loi

Shri A

Chakra

bo

rty

Statutory Auditors : M/s. U C Majumdar & Co., I C Bank Annexe, S.S. Road,

Lakhtokia, Guwahati - 1

2 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ADMINISTRATIVE SET UP OF

HEAD OFFICE & REGIONAL OFFICES

AS ON 31.03.2013

HEAD OFFICE

S.S.Singh

Chairman

Mrs. S. Bhattacharjee Ojah

General Manager

K. Bhowmik

Chief Manager

Accounts & Investment Department

D. Baruah

Chief Manager

IT & MIS Department

B. Deka

Chief Manager

Audit & Insp. Department

R.K. Sarma

Chief Manager

P&D,CS and

Recovery Department

A. Adhikari

Chief Manager

Credit Department

REGIONAL OFFICES

R E P O R T 2 0 1 2 1 3

Nalbari Region

Kokrajhar Region

Dib

rugarh

Regio

n

Lakhimpur R

egion

Golaghat Region

Silc

har

Reg

ion

Guwahati Region

REGIONAL OFFICE REGIONAL MANAGER DISTRICTS COVERED NOS. OF BRANCHES

NALBARI A.K.Neog1. Nalbari 2. Baksa 3. Barpeta

4. Darrang 5. Udalguri68

GOLAGHAT H.S.Upadhaya 1. Golaghat 2. Jorhat 3. Nagaon 72

SILCHAR A. Hussain 1. Cachar 2. Karimganj 3. Hailakandi 44

LAKHIMPUR U.D. Sarma 1. Lakhimpur 2. Dhemaji 3. Sonitpur 56

GUWAHATI B. Bora 1. Kamrup 2. Kamrup (Metro) 3. Morigaon 40

KOKRAJHAR J. C. Baishya1. Kokrajhar 2. Bongaigaon 3. Chirang

4. Goalpara 5. Dhubri49

DIBRUGARH G. Dutta 1. Dibrugarh 2. Tinsukia 3. Sivasagar 45


38th A N N U A L R E P O R T, 2 0 1 2 - 1 3

DIRECTORS’ REPORT - 2012-13

In terms of provisions made under Section 20 of the Regional Rural Bank Act-1976, the Board of Directors, with

profound pleasure presents the 8th Annual Report of the Bank along with Audited Balance Sheet, Profi t & Loss

Account, Notes on Account and Auditor’s Report for the accounting period from 1st April, 2012 to 31st March,

2013.

PERFORMANCE HIGHLIGHTS OF THE YEAR 2012-13

Total business increased to `8644.83 crore.

Growth recorded against Total Business was 15.50 % over previous year.

Of the Total Business, `5531.30 crore consists of Deposit and `3113.53 crore consists of Loans &

Advances.

Growth against Total Deposit was 13.27%, while growth recorded against otg. Loans & Advances was

19.68%.

Bank’s clientele base has crossed 5 million mark registering a growth of 9%. 448206 nos. new accounts

(Deposit + Loan) were opened during the period.

351289 new Savings Bank Accounts have been opened during the year against the target of 268400.

Ganeshguri branch has crossed `500.00 crore mark in terms of Total Business.

Four more branches namely Fancy Bazar, Kokrajhar, Morigaon and Dhemaji have crossed 100.00 crore mark

in terms of Total Business besides Nalbari, Guwahati and Panjabari.

23 branches of the Bank namely Silchar, Mangaldoi, Rangia, Goalpara , Dhubri, Chandmari, Dharapur,

Hailakandi, Barpeta, Pathsala town, North Lakhimpur, Tezpur, Nagaon, Golaghat, Sonai Road, Bongaigaon,

Lalganesh, Sonapur, Gossaigaon, Sivasagar, Gauripur, Jorhat and Sualkuchi are in `50.00 crore to `100 crore

business band. The number of branches under this category was 20 during the previous year end.

The share of demand deposits (CASA) to the total deposits of the bank stood at 66.05% as on 31-03-2013.

Per Branch productivity has increased from `20.28 crore to `23.11 crore.

Per Employee productivity has increased from `4.28 crore to `4.59 crore.

Priority Sector Advances have increased from `2172.33 crore to `2618.16 crore thereby recording a growth

of over 20.52%.

The Agriculture advance has increased from `757.61 crore to `1089.59 crore registering a growth of over

43.82%.

75261 nos. of fresh Kisan Credit Cards (KCC) have been issued during the year through 374 branches

9313 nos. of new Self Help Groups (SHGs) have been Deposit Linked during the year. Cumulative no. of

SHGs Deposit Linked by the bank upto 31-03-2013 has increased to 147786.

13234 nos. of new Self Help Groups (SHGs) were Credit Linked during the year. Cumulative no. of SHGs

Credit Linked upto 31-03-2013 was 129895.

7766 nos. of new General Credit Cards (GCCs) issued during the year, thereby raising the no. of cumulative

Cards to 61173.

Bank’s Net NPA level has decreased from 3.30 % to 3.04%.

An amount of `74.02 lakh has been recovered from Shadow Register Accounts.

Bank earned Net Profi t (after Tax) of `74.38 crore as against `54.01 crore during the previous year, registering

a growth of 37.72%.

RTGS and NEFT facilities have been introduced in all branches of the Bank.

Two new Rural Self Employment Training Institutes (RSETIs) have been established in Bongaigaon and

Kamrup (M) districts during the year. With the addition of the new RSETIs, the no. of AGVB sponsored RSETIs

has been increased to four.

Started providing banking services to 1933 allotted villages over 1000 population under the Financial Inclusion

programme in addition to 816 villages over 2000 population allotted earlier.

Organized a State level Credit camp on 03.03.2013 wherein `403.42 crore was disbursed/ sanctioned.

4 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Bank’s Mission

Bank’s Vision

BRIEF INTRODUCTION

Assam Gramin Vikash Bank, the only restructured RRB of the N.E Region was set up on 12th January, 2006 by

amalgamating the erstwhile Pragjyotish Gaonlia Bank, Lakhimi Gaonlia Bank, Cachar Gramin Bank & Subansiri

Gaonlia Bank as per provision under section 23(A) of RRB Act, 1976. The Head Offi ce of the Bank is situated at

G S Road, Bhangagarh, Guwahati-781005, Assam. The operational area of Assam Gramin Vikash Bank consists

of the entire area of operation of the aforesaid four pre-amalgamated RRBs which covers 25 districts out of 27

districts in the State of Assam, barring only the two hill districts, viz. Karbi Anglong and Dima Hasao. The Bank

enjoys the status of a Scheduled Bank in terms of Reserve Bank of India Notifi cation No. RPCD.CO.RRB No.

7430/03.05.100/2008-09 dated 27.01.2009.

The objectives set before the RRBs remain intact for Assam Gramin Vikash Bank also. Assam Gramin Vikash

Bank gives maximum emphasis for developing the rural economy by providing credit for agriculture, MSME,

trade & services and other productive activities, with thrust on productive credit to the small & marginal farmers,

agricultural labourers, artisans and small entrepreneurs, SHGs, etc. and also to transacts business as defi ned in

Section 18(2) of the RRB Act, 1976 and Section 6(1) of Banking Regulation Act, 1949.

Bank’s Mission

With the advantage of having largest network of branches in the Rural Assam,

it is our duty and obligation to serve the rural masses, the deprived and denied

with all banking facilities for augmentation of agricultural production, uplift of

the downtrodden, employment of rural youth, with commitment to the sacred

task of all out development of the Rural Assam. The bank’s initiatives have

strengthened our culture and we aim to be the top class Rural Bank of the

Country, benchmarking ourselves against the best standards and practices in

terms of product offering, service level and professional integrity. What remains to be achieved is much larger

than what we have achieved so far.

Bank’s Vision

To fi nancially include as well as to spread Banking Literacy to each household

and initiate appropriate intervention for economic uplift of the people of Assam

through Agriculture, Micro, Small and Medium Enterprises to accomplish the

mandate set out for the RRBs and thus emerging as a strong, vibrant and socially

committed ‘Mass-Class Bank’.

ORGANISATIONAL STRUCTUREThe Bank functions in a three-tier structure:

Head Offi ce 07 Regional Offi ces 374 Branches

Head Offi ce at Guwahati ( G. S. Road , Bhangagarh, Guwahati -5 )

Seven Regional Offi ces at

1 Nalbari (PNC Road, P.O.& Dist.: Nalbari, Assam PIN -781 335) 68 Branches

2 Golaghat (Kushal Path, New Amolapatty, P.O. & Dist. : Golaghat, Assam PIN – 785 621) 72 Branches

3 Silchar (Chowrangee, Ambicapatty, Silchar, Dist. : Cachar, Assam PIN – 788 004) 44 Branches

4 Lakhimpur (Hospital Road, North Lakhimpur, Dist. : Lakhimpur Assam PIN- 787 001) 56 Branches

5 Guwahati (Rajgarh Road, Chandmari, Guwahati-3, Assam PIN – 781 003) 40 Branches

6 Kokrajhar (Thana Road, P.O. & Dist. : Kokrajhar, Assam PIN-783 370) 49 Branches

7 Dibrugarh (C R Building, Milan Nagar, Dibrugarh, Assam PIN-786 003) 45 Branches


58th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Bank’s Area of Operation :

Highest nos. of districts (25) covered by any RRB

THE AREA OF OPERATION OF THE REGIONAL OFFICES(A) District & Category wise:

Sl.

No.

Regional

Offi ce

No. of

Districts

covered

Name of the District and

No. of BranchesCategory wise Branches

Districts No. of

Branches

Business Level (` crore)

Upto

` 6.00

Above

` 6.00

up to

` 20.00

Above

` 20.00

up to

` 50.00

Above

` 50.00

up to

`100.00

Above

`100.00 Total

A B C D E

1 Nalbari 05

1. Nalbari

2. Baksa*

3. Barpeta

4. Darrang

5. Udalguri

17

10

17

13

11

7 36 21 3 1 68

2 Golaghat 03

Golaghat1.

Jorhat2.

Nagaon3.

24

17

31

10 49 11 2 0 72

3 Silchar 03

Cachar1.

Karimganj2.

Hailakandi3.

19

17

08

2 31 10 1 0 44

4 Lakhimpur 03

1. Lakhimpur

2. Dhemaji

3. Sonitpur

16

09

31

6 41 6 3 0 56

5 Guwahati 03

Kamrup1.

Kamrup(Metro) 2.

3. Morigaon

4. Baksa*

15

11

12

02

5 13 14 5 3 40

6 Kokrajhar 05

Kokrajhar1.

Bongaigaon2.

Chirang3.

Goalpara4.

Dhubri5.

09

09

06

12

13

2 31 12 3 1 49

7 Dibrugarh 03

Dibrugarh1.

Tinsukia2.

Sivasagar3.

14

08

23

3 36 6 0 0 45

Total 25 374 35 237 80 17 5 374

* Two (02) branches namely Naokata and Dwarkuchi under Baksa district are under the control of Regional Offi ce,Guwahati.

Bank’s Area of Operation :

Highest nos. of districts (25) covered by any RRB

A L R E P O R T 2 0 1 2

c y anyy Bd b RRBcoovverredd by anyyy RRRRBBcovered by any RRB

6 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

(B) Population Group wise:

Assam Gramin Vikash Bank, the only amalgamated Regional Rural Bank of the N.E. Region continues to be the

largest bank in the state of Assam in terms of branch network. The population group wise break up of branches

is as follows :

Sl.No. District Rural Semi Urban Urban TOTAL

1 Nalbari 14 3 - 17

2 Baksa 12 - - 12

3 Barpeta 12 5 - 17

4 Kamrup (M) 2 - 9 11

5 Kamrup 12 2 1 15

6 Darrang 11 2 - 13

7 Udalguri 9 2 - 11

8 Sonitpur 27 4 - 31

9 Goalpara 10 2 - 12

10 Dhubri 8 5 - 13

11 Kokrajhar 7 2 - 9

12 Chirang 5 1 - 6

13 Bongaigaon 7 2 - 9

14 Sivasagar 19 4 - 23

15 Jorhat 12 3 2 17

16 Golaghat 18 6 - 24

17 Nagaon 23 8 - 31

18 Morigaon 11 1 12

19 Cachar 15 - 4 19

20 Hailakandi 5 3 - 8

21 Karimganj 13 4 - 17

22 Lakhimpur 11 5 - 16

23 Dhemaji 6 3 - 09

24 Dibrugarh 8 6 - 14

25 Tinsukia 3 5 - 8

TOTAL 280 78 16 374

A BRIEF REVIEW OF THE PERFORMANCE OF THE BANK IN VARIOUS FUNCTIONAL AREAS IS PRESENTED BELOW.

BRANCH NETWORK : OPENING / SHIFTING OF BRANCH

The bank has a geographically well-spread branch network in the state of Assam, excepting two hill districts

Karbi Anglong and Dima- Hasao. The Bank had 374 branches in 25 out of 27 districts of the state as at the end

of March 2013. Distribution of these branches : Urban-16, Semi-urban-78 and Rural-280.

During the reporting period, under the branch expansion programme Bank opened following 05 (fi ve) new

branches


78th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Widening the coverage - Expansion of branch network

Newlarbhitha

New Market, Dibrugarh

Tamulpur

bhithaNewlarb

NNew MMa krket Dibbrugarhh

Tamul

NEW BRANCHES:

Name of Branch Date of opening District Address

Newlarbhita 19-09-2012 BarpetaNewlarbitha, P.O. Kakagari, Dist.Barpeta,

PIN-781307

New Market 08-02-2013 DibrugarhH.S.Road, (By lane: Nowkat Rai Kedia Path), P.O.

& Dist. Dibrugarh, PIN-786001

Tamulpur 13-02-2013 BaksaTamulpur, P.O. Tamulpur, Dist. Baksa,

PIN-781367

Amoni 28-03-2013 NagaonSHG Hut, NH-37, P.O.Amoni, Dist. Nagaon,

PIN-782138

Upar Nazira 28-03-2012 SivasagarCollege Tiniali, P.O. Nazira, Dist. Sivasagar,

PIN-785685

8 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

SHARE CAPITAL & SHARE CAPITAL DEPOSIT

The detailed break up of Share Capital and Share Capital Deposit Account of the Bank as on 31.03.2013 is given

below:

(Amount in ` thousand)

Details of Share Capital Account

Share Holders Issued / Called up Paid - up Calls Unpaid

Government of India 20000 20000 Nil

Government of Assam 6000 6000 Nil

United Bank of India 14000 14000 Nil

TOTAL 40000 40000 Nil

Under the restructuring programme, Share Capital Deposit amounting to 856325 thousand have been sanctioned

as well as released to the bank by the Govt. of India, Govt. of Assam and United Bank of India in the

proportion of 50% : 15% : 35% respectively, till 31-03-2007. No additional Share Capital Deposit has been

received by the bank after 31-03-2007. The position of outstanding Share Capital Deposit Account of the Bank

as on 31-03-2012 is furnished below:


Details of Sanction and Release of Share Capital Deposit

Particulars Govt. of India Sponsor Bank Govt. of Assam Total

Share Capital Deposit Sanctioned 428163 299713 128449 856325

Share Capital Deposit Released 428163 299713 128449 856325

DEPOSIT

During the period under report, bank mobilised additional deposit amounting to `6481118 thousand from its

existing as well as new customers thus registering a Y-o-Y growth of 13.27%. Further, emphasis continued for

increasing the share of demand deposits, so as to reduce the cost of deposits further and to increase the spread.

The share of demand deposits was 66.05% as on 31-03-2013.

The comparative position of category wise deposit for the fi scal 2011-2012 and 2012-2013 is shown below.

(Amt. in ` thousand)

CategoryAs on 31.03.2012 As on 31-03-2013

Accounts Amount Growth (%) Accounts Amount Growth %

1. Current Account 283010 4639874 20.61 262903 3855172 -16.91%

2. Savings Bank 2975985 29912424 8.21 3507699 32681541 9.26%

Demand Deposit (1+2) 3258995 34552298 9.72 3770602 36536713 5.74%

3. Term deposit 786853 14279592 16.35 530548 18776295 31.49%

TOTAL 4045848 48831890 11.58 4301150 55313008 13.27%


98th A N N U A L R E P O R T, 2 0 1 2 - 1 3

The share of Current, Savings and Term Deposit to total Deposit comes to 6.97%, 59.08% and 33.95%

respectively. Per branch and per employee Deposit and Business alongwith comparative fi gures of the previous

year are furnished below.


ParticularsAs on 31.03.2012 As on 31.03.2013

Amount Growth (%) Amount Growth (%)

Per Branch Deposit 132336 9 147896 11.76

Per Employee Deposit 27936 11 29359 5.09

Per Branch Business 202838 14 231145 13.96

Per Employee Business 42819 15 45885 7.16

BORROWING

During the year under review, the Bank availed refi nance to the extent of `786165 thousand from NABARD

and `101480 thousand from NSTFDC. Out of the total refi nance availed during the year, an amount of `660000

thousand has been drawn for ST (SAO). There was no default in repayment of either installment or interest by

the Bank. As on 31-03-2013, an amount of `1444041 thousand remained outstanding borrowing as against

`1322633 thousand as on 31-03-2012.

CASH & BALANCE WITH BANKS

A) As on 31-03-2013, the position of Cash-in-hand of the Bank stands as follows:


Particulars 2011-12 2012-2013

Cash at the year end 496748 703944

Average Cash-in-hand 375034 398755

Average Cash as % to average deposit 0.85 0.80

B) The balance in Current Account held by the Bank was as follows:


ParticularsAmount

Current Account Balance with

Reserve Bank of India 2264941

UBI & Other Banks 3308777

TOTAL 5573718

An MSME unit fi nanced by the Bankancedd by by th the Be Bankankanc

10 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

INVESTMENT

As on 31-03-2013, the outstanding amount of investment made by the Bank in Govt. and approved securities

stands at 26444116 thousand as against 25680435 thousand as on 31-03-2012. It is mention worthy that in the

line of the Business Plan drawn for the year 2012-13, Bank took an approach to give more thrust on channelizing

fund in loans and advances. As a result of Bank’s continuous efforts, the Investment to Deposit (ID) Ratio of the

Bank was down at 47.81%, as on 31-03-2013.

The break up of the SLR and Non-SLR investment along with comparative position of the previous fi scal is

furnished here-in-below. All investments are conformed to RBI guidelines.


INVESTMENTS As on 31.03.2012 As on 31.03.2013

S L R 13566370 13822051

Non-SLR 12114065 12622065

TOTAL 25680435 26444116

Of which, Non-Performing Investment 3663 3663

Provision against Non-Performing Investment 3663 3663

During the period under report, the average yield on investment has increased to 8.69% as against 8.19% during

the previous year.

LOANS & ADVANCES

At the end of the fi nancial year 2012-13, the gross outstanding position of loans & advances stood at `31135260

thousand as against `26015645 thousand during the previous year.

The percentage of Priority sector advances comprises 84.09% of total loans and advances outstanding as on

31-03-2013. The category wise break up of loans & advances outstanding as on 31-03-2013 is furnished below

along with comparative position as on 31-03-2012.


Category of advanceAs on 31.03.2012 As on 31.03.2013

Amount % to total loans Amount % to total loans

Priority

Sector

Agril. & Allied 7576080 29.12 10895913 35%

SSI/MSME 7542533 28.99 9471932 30.42%

Services & Others 3608406 13.87 2832655 9.10%

Housing Loan 2996364 11.52 2981158 9.57%

Total Priority Sector 21723383 83.50 26181658 84.09%

Non-Priority Sector 4292262 16.50 4953602 15.91%

Total Advances 26015645 100.00 31135260 100.00%

Out of Total Advances, Weaker Sections 11116135 42.73 12965643 41.64%

Per Branch Advance 70503 XXX 83249 XXX

Per Employee Advance 14883 XXX 16526 XXX


118th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Performance under Annual Credit Plan, 2012-13Performance of the Bank under Annual Credit Plan for the fi nancial year 2012-13 is furnished below.

(Amount in Rupees thousand)

Parameters Commitment Achievement

a) Agriculture 6299800 2933253

Of which Crop Loan 6177500 1801254

b) SSI 1686400 2127567

c) Services 3400000 549609

d) Others

Total 11386200 5610429

CREDIT DEPOSIT RATIOThe Credit Deposit (CD) Ratio of the Bank has improved to 56.29% as against 53.28% as on 31.03.2013. As a

result of Bank’s consistent effort to improve the CD Ratio, the same has registered a growth of 5.65%.

IRAC NORMSAsset Classifi cation: In compliance to RBI guidelines, the Bank has classifi ed its Loans and Advances as per

IRAC norms and necessary provision has been made. The position as on 31.03.2013 along with corresponding

fi gures of the previous year end is furnished here in below.


Asset Type

As on 31.03.2012 As on 31.03.2013

Secured Unsecured Total Provision Secured Unsecured Total Provision

Standard 24462967 - 24462967 74887 29230495 Nil 29230496 88312

Sub-Standard 631252 - 631252 93578 628393 Nil 628393 93713

Doubtful-I 260193 34840 295033 98961 352563 282524 635087 370091

Doubtful-II 202824 11858 214682 112203 231377 15324 246701 130844

Doubtful-III 384769 15829 400598 400087 329984 54722 384706 384475

Loss Asset - 11113 11113 11113 Nil 9877 9877 9877

Total 25942005 73640 26015645 790829 30772812 362447 31135260 1077313

NPA MANAGEMENT

During the year under report, Bank could recover and reduce a sum of `424711 thousand from NPAs as against

`314141 thousand during the previous fi scal. The movement of NPA during the fi nancial year 2012-2013 along

Workshop on NPA Management Meeting with Recovery Agents

Sri T.Gogoi, Hon'ble Chief Minister handing over loan

sanction letter to a benefi ciary

12 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

with corresponding fi gures of the previous fi nancial year is furnished here-in-below.


PARTICULARS 2011-12 2012-13

NPA at the beginning of the year 1179194 1552678

Recovery/Reduction of NPA 314141 424711

Addition to NPA during the year 687625 776797

NPA at the end of the year 1552678 1904764

NPA net of provision 836736 915764

Net NPA as % of net advances 3.30 3.04

In terms of percentage, while Gross NPA has increased from 5.96% to 6.12%, the Net NPA has decreased from

3.30% to 3.04%.

Initiatives taken during the year to reduce NPAs:

Bank has continued with the compromise settlement policy to encourage reduction of long standing NPAs

through compromise settlements.

Incipient NPA accounts /Special Mention Accounts were identifi ed for effective follow-up and to initiate

recovery measures.

Top NPA accounts of the Bank have been taken up for intensive follow-up and recovery by the Regional

Offi ces/ Head Offi ce in addition to the respective branches.

Enforcement of SARFAESI Act in a big way.

In order to provide necessary cushion, Bank has made adequate provisions amounting to `989000 thousand

towards NPAs, which will take care of any future eventuality.

Bank has organized 7 nos. of NPA management workshop covering the branches with higher concentration

of NPAs in order to sensitize the Branch Managers.

RISK FUND

No separate risk fund was created by the bank as adequate provision was made as per the Income Recognition

& Asset Classifi cation (IRAC) norms prescribed by the Reserve Bank of India. Besides, all other provisions are

adequately made including against contingent liabilities and expenses.

LOANS DISBURSED DURING THE YEAR

During the year under report, the Bank disbursed a total sum of 7041506 thousand in 96917 accounts, as against

`7424468 thousand (126624 accounts) during the previous fi nancial year. Bank’s disbursement under Priority

Sector (79.68%) exceeded of the benchmark of minimum Priority Sector lending by RRBs which is 60%. In the

Agriculture & Allied Activity sector (including KCC), Bank could disburse a sum of `2933253 thousand during the

year as against the amount of `2843865 thousand during the previous year. All the branches organized Credit

disbursement camps almost every month to expand the credit portfolio. In addition, the Bank organised a State

Level Credit Camp at GMCH Auditorium, Guwahati on the 03-03-2013. The State Level Credit Camp has drawn

the attention of various circles of the State. Inaugurating the Credit Camp, Hon'ble Chief Minister Tarun Gogoi

lauded the efforts of the Assam Gramin Vikash Bank for extending credit to the needy farmers and entrepreneurs

of the State and wished the Bank success and prosperity. In the camp, which received spontaneous response

from its customers and well-wishers, a total of `4034225 thousand loans were disbursed to 76967 borrowers.


138th A N N U A L R E P O R T, 2 0 1 2 - 1 3

State Lavel Credit Camp - 2013

Hon'ble Chief Minister, Assam inaugurating State Lavel Credit Camp-2013. Hon'ble Chief Minister, Assam deliveing his speach.

Dignitaries on the Dais Hon'ble Agriculture & Parliamentary Affairs Minister, Govt. of Assam

addressing the State Level Credit Camp

Distribution of Loan Sanction letters

A section of audience in the Credit Camp

14 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

The sector wise disbursement of Loans and Advances during the fi nancial year 2012-13 and also the corresponding

fi gures of the previous year are shown below.


Category of Advances

2011-12 2012-13

AmountAs % of total

Loans disbursedAmount

As % of total

Loans disbursed

Agril & Allied 2843865 38.30 2933253 41.66

SSI / MSME 2824390 38.04 2127567 30.21

Services & Others 334468 4.50 385993 5.48

Housing Loan 240856 3.24 163616 2.32

Total Priority Sector 6243579 84.09 5610429 79.68

Non-Priority Sector 1180889 15.91 1431077 20.32

Total 7424468 100.00 7041506 100.00

Out of Total loans disbursed, weaker

sections2347473 31.62 3008215 42.72

SPECIAL ATTENTION TO WEAKER SECTIONS AND SC/ST BENEFICIARIES

Credit to Weaker Sections increased to `12965643 thousand as at March 31, 2013, registering an increase

of `1849508 thousand. Ratio of Weaker Section Advances to Total Advances was 41.64%. During the year,

loan amounting to `3008215 thousand was disbursed to SC/ ST benefi ciaries belonging to weaker sections as

against `2347473 thousand during the previous year.

LOANS TO MINORITY COMMUNITY

During 2012-13, loan amounting to `603840 thousand was disbursed to Minority Communities. The outstanding

advances to Minority Communities (`5374119 thousand) registered a growth of 12.37% over the position as on

31-03-2012.

ASSISTANCE TO WOMEN BENEFICIARY

Bank has initiated special steps to cover more number of

women under various types of credit facilities of the bank.

The Women Development Cell has taken special interest in

conducting Gender Sensitization Meets, Awareness Camps,

SHG promotion, fairs, exhibition etc. This has helped to extend

fi nance to 7466 women benefi ciaries during the year with credit

support of 455758 thousand which forms 6.47% of the Bank’s

total credit. Thus, the Bank has complied with RBI instructions

of ensuring minimum credit fl ow of 5% of total credit to women.

The outstanding amount of credit delivered to women stands

at `4916275 thousand against 112648 benefi ciaries. Handing over loan sanction letter to a woman benefi ciary

by D. K. Mohanty, Hon'ble Executive Director, RBI

Snapshots of District Level Credit Camps organised by the Regional Offi ces.


158th A N N U A L R E P O R T, 2 0 1 2 - 1 3

MICRO, SMALL & MEDIUM ENTERPRISES (MSME)

In the light of the global economic slowdown, Reserve Bank of India gave special thrust for promotion of the

MSME sector. During the fi nancial year 2012-13, the Bank sanctioned fresh loans amounting to `2127567

thousand covering 14840 accounts as against `2824390 thousand covering 21446 accounts during the previous

year. The outstanding advances in MSME (`9471932 thousand) registered a growth of 25.58% over the position

as on 31-03-2012.

CREDIT GUARANTEE FUND TRUST FOR MICRO & SMALL ENTERPRISES (CGTMSE)

In order to augment credit to MSME sector without insisting upon collateral securities, during the year bank

disbursed 2080 accounts amounting to `500925 thousand under CGTMSE scheme and as on 31-03-2013. Total

coverage under CGTMSE stands at `1061199 thousand against 5886 nos. loan accounts.

RECOVERY OF LOANS

During the period under report, 536 nos. Recovery Camps were organized besides conducting joint recovery

drives with the help of branches/offi ces/sponsoring agencies/local Panchayat/Recovery Agents etc. Further,

special thrust was given to recover long sticky overdue through compromise settlement. Lok Adalats were also

organised by large nos. of branches and responses received were most encouraging. The Demand, Collection

and Balance and also age wise classifi cation of overdue as on 31-03-2013 are furnished below:


Sector Demand Collection Balance Recovery %

Farm Sector 1638493 1013626 624867 61.86

Non – Farm Sector 5098753 3914544 1184209 76.77

Total 6737246 4928170 1809076 73.15

Age-wise classifi cation of overdue as on 31-03-2013 was as follows:


PeriodsS e c t o r s

Farm Non-Farm Total

Below 1 year 210438 384534 594972

1 to 3 years 179961 330869 510830

Above 3 years 234468 468806 703274

Total 624867 1184209 1809076

SELF-HELP GROUPS/ JOINT LIABILITY GROUPS

Promotion and credit linkage of Self-Help Groups: Empowerment of rural populace particularly women in

the lowest strata, by developing the habit of thrift and credit, topped the list of agenda for the development

institutions including banks. This has motivated the institutions/ organizations to go with the concept of Self-

Help Group and accordingly involve themselves in the process of promoting Self-Help Groups. Against this

backdrop, the Bank is actively associated in promotion and credit linkage of Self-Help Groups (SHGs) in its area

of operation, since inception of the concept. The scheme for credit linkage of SHG has got momentum in the

operational area of the bank during the period under review

Up to 31-03-2013, Bank has formed as many as 147786 SHGs involving 1528107 members. Of the above,

129895 SHGs have been credit linked till 31-03-2013 with sanction limit of `5026620 thousand.

During the year under report, 9313 SHGs have been formed by the bank covering 139992 members. Bank

has provided credit assistance to 13234 SHGs amounting `749921 thousand during the year.

Many of the SHGs have availed credit from the Bank for the second or subsequent times and have been able

to qualify themselves as the micro enterprises and thereby entitled for larger size of credit for establishment

of their own enterprises for economic sustainability.

16 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

In order to create awareness about microfi nance, Workshops and Group Meetings were organized at village

level. Further, to give boost to market the products of SHGs, a number of exhibitions and fairs were organised at

district/block head quarters during the year.

Financing of Joint Liability Groups: The concept was introduced in the Bank during the year 2005-06. During

the period under report, Bank could form 712 no. of Joint Liability Groups with credit support amounting to

`99236 thousand as against `126122 thousand during the previous year. Up to 31-03-2013, a total of 15165 no.

(Cumulative) Joint Liability Groups (JLGs) have been fi nanced covering 60650 benefi ciaries.

KISAN CREDIT CARDS (KCC)

To obviate the problems of the low profi le, poor farmers to approach the bank for sanction of crop loans every

time they want to grow crops and to impart a longer lease of life to the sanction limit and also to minimize hassles

of repeated documentations, the Bank has been extending production credit in the form of Kisan Credit Card,

to as many eligible farmers as possible, since launching of the Scheme by Govt. of India. The Bank continues

its effort to bring in still more farmers within the ambit of the scheme. It is worth mentioning that a good nos.

of educated unemployed youths who failed to procure a salaried job even after running from pillar to post and

pausing a psychological threat not only to the family but also to the society at large, have been persuaded to

take up mainstream agriculture as a profession and in fact they now claim to be a part of the farming community.

The social institutions like farmers’ clubs, SHGs and Govt. Line departments have been involved in successful

implementation of the scheme. The growing of crop on a commercial scale has also drawn the idea of aggressive

marketing in the post production stage and thereby leading to the diversifi cation of agro based activities.

During the year under review the Bank had drawn a plan to cover all eligible farmers under the fold of KCC (Crop

Loan) and could issue 75261 numbers of KCCs with credit limit of `2954454 thousand. As on 31-03-2013, the

outstanding advances under KCC was `10895913 thousand against 287020 no. of KCCs. The total nos. of Kisan

Credit Cards issued as at the end of the fi nancial year 2012-13 was 428544.

CREDIT DELIVERY IN SGSY

The Bank has actively participated in implementation of poverty alleviation programmes supported by State/

Central Govt. The progress made under SGSY during the year is furnished in the table given below:


Families assisted

No. of Account Amount

Disbursement during the year 6729 583584

Outstanding as on 31-03-2013 28577 1825274

Prime Minister’s Employment Generation Programme (PMEGP)

The Prime Minister’s Employment Generation Programme (PMEGP) is one of the Flagship programme of Govt. of

India with the prime objective to generate more and more employment. During the period under review, the bank

sanctioned 2016 nos. of proposals under the scheme.

FARMERS’ CLUBS

The bank plays a vital role in formation of Farmers Clubs in

the State. The idea of Farmers Clubs was mooted with the

principle of ‘Development through credit’ and for propagating

this principle among the rural farmers, Farmers Clubs

are considered to be the most acceptable and affective

intermediary agency for smooth fl ow of agricultural credit to

potential borrowers. With this aim in view, the programme

was launched in this Bank and a good no. of farmers clubs

were opened in phases and are being managed with the active

support of the respective branches. The services of the farmers Inaugural Function of a Farmers' Club


178th A N N U A L R E P O R T, 2 0 1 2 - 1 3

clubs have been utilized for creating better relationship between farmers and the Bank. These Farmers Clubs

have conducted a number of programmes concerning agricultural activities, micro fi nance etc. Some of the clubs

are promoting SHGs also.

As on 31.03.2013, as many as 538 nos. of farmers clubs are functioning in the area of operation of the Bank and

have been able to establish themselves as the extended wings of the Bank.

ORGANISATION OF AWARENESS CAMPS

In order to create awareness

among the targeted group

of clientele like SHGs,

JLGs, etc. awareness and

motivation camps are

considered to be a primary

requirement.

NABARD has also suggested

various designs of such

awareness programmes and

extends fi nancial support

for organizing such camps.

During the year under report,

435 nos. of Awareness Camps/Customer Meets were organized by the branches/offi ces of the Bank. While many

such awareness camps helped the Bank in initiating formation of SHGs, SHG-Bank linkage camps organized by

the Bank has enabled the Bank to bring in many SHGs into the fold of Bank credit. The Bank has also organized

a good nos. of borrower’s education programmes for the KCC borrowers in association with Farmers Clubs.

FINANCIAL INCLUSION

Under the Financial Inclusion Programme launched by the Govt. of India, Bank initiated various steps for its

successful implementation.

Extension of banking services by using ICT solution through Business Correspondent Model:

Under the Financial Inclusion Plan of Govt. of India, banks are required to extend Banking Services to all the

villages with population of above 2000, by establishing a physical branch, Ultra Small Branch or by using ICT

solution through Business correspondent (BC) model. Accordingly, SLBC has allocated such villages to various

banks operating in the State. Assam Gramin Vikash Bank has been allocated 816 nos. villages over 2000

population and 1932 villages with population between 1000 to 2000

and for extension of banking services through either Brick or mortar

branch/Ultra Small Branch or Business Correspondents. Bank has in

the meantime started extending Banking services through 72 brick

and mortar branches, 44 ultra small branches and in the remaining

villages through business correspondents. Till the fi nancial year

ended, 31-03-2013, Bank could open 42200 nos. No-Frill accounts in

the FI villages, through its 415 CSPs.

Opening of Basic Savings Bank (BSB) Accounts:

All the branches of the Bank have actively participated in opening of

BSB accounts of the under privileged households. During the period

under report, 455703 BSB Accounts have been opened by the bank

and thus raising the total nos. of BSB accounts to 28,22,698.

General Credit Cards (GCC):

As a part of Financial Inclusion, Bank introduced the General Credit

Card Scheme during 2006-07, performance under which appears to

be encouraging. The scheme is mainly targeted for providing credit

support to the under privileged section of the society, without any

Customers' Meet/ Awareness Camp organised by Regional Offi ce, Guwahati.

USB under RO, Lakhimpur

Distribution of Smart Card under RO, Nalbari

18 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

hassles of complicated documentation and collaterals. During the period under review, Bank could issue 7766

nos. General Credit Cards (GCCs). Nos. of Cumulative Cards issued was 61173 with outstanding amount of

`1270794 thousand at the end of the fi nancial year 2012-13.

Micro Insurance:

Bank has made necessary arrangement for extending Micro Insurance products to the disadvantaged group of

customers, through tie-up arrangement with Bajaj Allianz Life Insurance Company Ltd. Lower income group

people including members of SHGs, JLGs, marginal and landless labourers, etc, can avail insurance benefi ts

through micro insurance by paying a very nominal amount of premium. During the year under review micro

insurance policies were offered to 44669 nos. benefi ciaries. The cumulative coverage under Micro Insurance

scheme was 96508 nos.

FINANCIAL OUTREACH CAMP AT VILLAGE GHAROWA SONAPUR

In order to encourage as well as create awareness on Financial Inclusion, Reserve Bank of India organises

Financial Outreach Camps in remote fi nancially excluded villages across the country. Under the initiative, Reserve

Bank of India organised one such Financial Outreach Camp at Gharowa Sonapur village under Darrang district

of Assam on the 22nd Dec, 2012 which was graced by the Hon’ble Executive Director, Reserve Bank of India,

Mr. D K Mohanty.

At the request of Reserve Bank of India, Guwahati, Assam Gramin Vikash Bank also participated in the Financial

Outreach Camp through its Sipajhar College Chowk branch. Besides establishing an Ultra Small Branch in the

village which was inaugurated by the Hon’ble Executive Director, RBI, Bank set up a stall at the camp site and also

arranged one mobile health check-up camp in association with the Health Deptt and the district administration,

Darrang. Further, one ICT based Point of Service (PoS) counter was also provided in the stall to facilitate banking

transactions through Smart Cards. In the Financial Outreach Camp, banking facilities were provided to the eligible

inhabitants of Gharowa Sonapur as well as the nearby villages, under Bank’s Financial Inclusion Plan.

D K Mohanty, ED, Reserve Bank of India being felicitated by Bank's Chairman Inauguration of Gharowa Sonapur Ultra Small Branch

by D K Mohanty, ED, RBI

D K Mohanty, ED, RBI addressing the public S S Singh, Chairman delivering his speach


198th A N N U A L R E P O R T, 2 0 1 2 - 1 3

RURAL SELF EMPLOYMENT TRAINING INSTITUTE (RSETI)

The Bank established two more Rural Self Employment Training Institutes (RSETIs) during the year under review,

out of total allocation of fi ve. The new RSETIs were opened at Bongaigaon and Kamrup (Metro) districts. The

RSETIs have been started from rented premises facilitated by the local administration/DRDA. Regular trainings

classes have been started in the RSETIs since their establishment.

Grant assistance @ `49.00 lakh have been received from Ministry of Rural Development, Govt. of India through

National Institute of Rural Development (NIRD) for construction of building, etc for RSETI, Jorhat and Bongaigaon

out of admissible amount of `1.00 crore for each RSETI. Claim for grant assistance in respect of other RSETIs

sponsored by the Bank will be submitted once necessary land is allotted for the purpose by the state Govt.

It is mention worthy that the Institutes will cater the training needs of rural unemployed youths, particularly those

below the poverty line; in the fi eld of skill up gradation and capacity building for enabling them to take up self

employment initiatives.

INCOME EARNED

Total income earned by the Bank during the year was `5642726 thousand as against `4794414 thousand earned

during the corresponding period of the previous year. Major part of income was from interest on Advance (55.45%)

and from Investment (39.58%).

EXPENDITURE INCURRED

The bank has incurred total expenditure of `4264712 thousand as against `3702800 thousand incurred during

the corresponding period of previous year. Expenditure on account of interest (both Deposit and Borrowings)

constitutes 62.21% of total expenditure; operating expenses constitute 30.76%, while other expenditure like

provision & contingencies constitute 7.03% of the total expenditure.

Operating Result

During the year under report, Bank’s operating profi t has increased to `1378014 thousand as against `1091614

thousand during the previous year. The operating profi t has shown a growth of 26.24% over previous year. After

making adequate provisions, Net Profi t (Before Tax) comes to `1078003 thousand.

Inauguration of AGVB-RSETI, Bongaigaon

Inauguration of AGVB-RSETI, Kamrup (Metro)

20 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

FINANCIAL RATIOS

The key fi nancial ratios of the Bank based on monthly average have been worked out as under.


PARTICULARS 2011-12 2012-13

Average Working Fund 45719351 52111910

Financial Return 8.87 10.29

Financial Cost 5.02 5.10

Financial Margin 3.85 5.19

Operating Cost 3.07 3.09

Miscellaneous Income 0.74 0.54

Operating Profi t 2.39 2.64

Risk Cost 0.68 0.58

Net Margin 1.71 2.06

TRANSFER PRICE MECHANISM (TPM)

The bank has introduced Transfer Price Mechanism (TPM) and the current rates of transfer price mechanism as

follows:

Sl.No. Particulars Amount of Subsidy

RATE OF INTEREST SUBSIDY PAYABLE BY HEAD OFFICE TO BRANCHES

1. Amount of Interest on Savings Bank A/c 150 % of Interest

2. Amount of Interest on Term Deposits 100 % of Interest

3. Average Credit Balance on CD/CC/OD/KCC/Call Deposit 4 % of average credit balance

4. Recovery against NPA during the year 5 % of recovery

5. Recovery from Shadow Register during the year 10 % of recovery

6. Recovery against Compromise Settlement during the year 5 % of recovery

7. Overdraft A/c of HO/RO/AO on average balance 5 % of average daily balance

8. Rent on Offi ce Premises (for new branches only) 100% for 1st year. 50% for 2nd year

9. Electric and Generator Charges (for new branches only) 100% for 1st year. 50% for 2nd year

RATE OF INTEREST SUBSIDY PAYABLE BY BRANCHES TO HEAD OFFICE

1. Interest on Advances 30 % of Interest

2. Average Cash Balance / Bank Balance 10 % of average balance

Cultural programme in the State Level Credit Camp

Reviewing performance of top business branches


218th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ACHIEVEMENT AGAINST BUSINESS PLAN 2012-13

The key parameters of the Business Plan, 2012-13 executed with the Sponsor Bank for the fi nancial year 2012-

13 and achievement there against are furnished below-

(Amt. In ` crore)

Particulars MoU Target for 2012-13Achievement during

2012-13

1. Deposits 5800.00 5531.30

2. Borrowings (Fresh) 144.40

3. Loans & Advances 3400.00 3113.52

4. Investment 2700.00 2644.41

5. Loan Issued 900.00 704.15

6. Recovery

a) Demand 673.72

b) Collection 492.81

c) Balance 180.91

d) Recovery % 75.00 73.15

7. Non- Performing Assets.

a) Position at the beginning of year 155.26 155.26

b) Fresh generation ,if any 0.00 77.68

c)Total Reduction 80.34 42.47

d) Position at the end 74.92 190.47

8.INCOME

a) Interest on Advance 270.00 312.89

b) Discount on Investment 225.00 223.33

c) Other Income 30.00 28.04

TOTAL 525.00 564.27

9. EXPENDITURE

a) Interest on deposits 215.00 258.25

b) Interest on Borrowings 10.00 7.06

c) Staff Expenses 115.00 115.88

d) Others operating Expenses 45.00 45.28

TOTAL 385.00 426.47

10. Profi t /Loss (Operating ) 140.00 137.80

Less Provision made for NPA a/cs 41.00 28.65

Less Other Provision 1.35

11. NET PROFIT (Before Tax) 99.00 107.80

12.Important performance indicators

Average yield on Investments 8.54 8.69

Average yield on advances 9.00 11.24

Average cost of deposits 4.03 5.16

Average cost of funds 4.06 5.10

CD Ratio 58.62 56.29

Per Branch Business 23.00 23.11

Per Employee Business 4.57 4.59

22 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

NON-FUND BUSINESS

Arrangement of collection of Cheques & Bills, trading of securities, issue of Demand Drafts/Bank Guarantee/

Gift Cheques, arrangements for issuing Demand Draft/At Par Cheques of other banks, commission/Referral fees

against Bancassurance business, letting out of lockers were the source of non-fund based business income for

the bank and the Bank could earn `280453 thousand as commission, exchange, profi t on Sale of investments

and referral fees, etc. during the period under report, as against `339888 thousand during the previous fi nancial

year.

Bank is continuously working for increase of its non-interest income by adopting measures like issuance of

Bank Guarantee, Letter of Credit through United Bank of India, Sale/promotion of third party products like

Bancassurance, At par Cheques, on commission sharing basis, RTGS/NEFT, ATM uses charge, etc.

BANCASSURANCE BUSINESS

Under third party product marketing provisions, Bank has been acting as Corporate Agents of M/s Bajaj Allianz

Life Insurance Company Ltd and M/s Bajaj Allianz General Insurance Co. Ltd for selling of Life and Non-Life

insurance products.

During the period under report, despite tough competition faced from the other major insurance players, Bank’s

performance under the Bancassurance business was encouraging. Bancassurance commission amounting to

`118.75 lakh have been earned by the bank as on 31-03-2013.

MANPOWER PLANNING AND HUMAN RESOURCE

The position of existing manpower of the Bank as on 31.03.2013 (excluding the Chairman and General Manager,

who are on deputation from the sponsor bank), was as under:

Sl.No. CategoryExisting

Strength

1 Assistant Manager 573

2 Manager 297

3 Sr. Manager 81

4 Chief Manager 23

Total Offi cer 974

5 Offi ce Assistant (Multi purpose) 605

6 Offi ce Attendant / Driver 305

Total 1884

CORPORATE SOCIAL RESPONSIBILITYDuring the year under review, the Bank resolved to form AGVB Corporate Social Responsibility Foundation to

take up social welfare measures in selected fi elds as per provisions of the policy. Under the Corporate Social

Responsibility head, Bank has proposed to earmark a sum of `1.00 crore based on the profi tability of the Bank

as at the end of the fi nancial year 2012-13.

DONATION TO CHIEF MINISTER’S RELIEF FUND

The Bank is conscious of its social responsibilities and the

environment in which it operates. The Bank continued with

its welfare activities to develop the general standards of living

particularly of the fl ood victims of Dhemaji and Lakhimpur districts

and also of the victims of ethnic clashes in the lower Assam area.

As decided by the Hon’ble Board of Directors of the Bank, a team

led by Shri Satya Narayan Sahu, the then Chairman of the Bank

handed over a cheque of `25,00,000/- (Rupees twenty fi ve lakh)

to the Chief Minister’s Relief Fund on 16-06-2012, being donation

Infusion of fresh

blood to the Bank.

Handing over the cheque to Hon'ble Chief Minister, Assam


238th A N N U A L R E P O R T, 2 0 1 2 - 1 3

to Chief Minister’s Relief Fund. The Chairman was accompanied by Sri S P Nandy, IAS, Sri Anjan Chakraborty,

ACS, Sri P L Dev Mahanta, all directors on the Board of the Bank and Shri Ramkrishna Sarma, Chief Manager

(P&D, CS and Recovery).

Recruitment & Promotion:

Under the drive for hiring human resources, during the year 2012-13, Bank recruited 116 nos. Offi ce Assistants

(Multi Purpose), 99 nos. Offi cers Scale-I, 14 nos. Offi cer Scale II and 02 nos. Offi cers Scale III; after obtaining

approval of the Sponsor Bank as per provisions of the Regional Rural Banks (Appointment and Promotion of

Offi cers and Other Employees) Rules. Further 118 nos. Offi cers and Employees have been promoted to higher

positions as shown in the table below:

Offi ce Attendant

(Messenger) to

Offi ce

Assistant

(Multi Purpose )

Offi ce Assistant to

Assistant Manager

(Offi cer Scale-I)

Assistant Manager

to Manager

(Offi cer Scale- II)

Manager to Senior

Manager

(Offi cer Scale-III)

Senior Manager to

Chief Manager

(Offi cer Scale -IV)

27 95 45 21 8

In the mean time, Bank has started the next recruitment process for recruiting another batch of Offi ce Assistants

and Offi cers.

Further, the promotional exercise from Offi ce Attendant (Messenger) to Offi ce Assistant (Multi Purpose), Offi ce

Assistant to Assistant Manager (Offi cer Scale-I), Assistant Manager to Manager(Offi cer Scale- II), Manager to

Senior Manager (Offi cer Scale-III) and Senior Manager to Chief Manager(Offi cer Scale -IV) for the year ended

31-03-2013 is under process.

TRAINING AND HUMAN RESOURCE DEVELOPMENT

Bank has been giving priority to upgrade the knowledge and skills of its workforce by deputing them to various

training programmes, both within and outside the State. During the year 2012-13, altogether 325 Offi cers have

attended such training, the detailed particulars of which are as under:

Institute/OrganisationNo. of par-

ticipants

IIBM, Guwahati 209

STC, UBI, Kolkata 18

BIRD, Lucknow 15

CAB, Pune 2

NABARD, Guwahati 12

BIRD, Bolpur 6

RBI, Guwahati 2

NIRD 14

UBI Head Offi ce 5

Others 42

Total 325

CBS Finacle end-users Training:

In addition to above, during the period 01-04-2012 to 31-03-2013, six days duration training on “CBS FINACLE

end-users” has been provided to 727 nos. Offi cers and Offi ce Assistants (Multipurpose) at Assam Gramin Vikash

Bank Centre for Banking & Technology Learning.

Accelerating growth of Industrialisation

24 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Induction Training to new recruits:

The Bank has imparted induction training at Guwahati to 92

nos. newly recruited offi ce Assistants (M/P), 99 offi cer Scale

I, 14 nos. Offi cer Scale II and 02 nos. Offi cer Scale III, after

their joining in the Bank

INTERNAL INSPECTION & AUDIT

With a view to curb operational defi ciencies and to verify and

ensure the observance of prescribed rules and regulations of

the bank at branch as well as at the controlling offi ce level

and also to have a qualitative review of the affairs of the

branches/offi ces, the Inspection Department at Head Offi ce

is conducting inspection of the branches. During the period

under review, against the target of 260 branches, 263 no.

branches were inspected by the Offi cials of Inspection &

Audit Department of the Bank, besides carrying out Revenue

Audit in 185 branches.

Concurrent Audit:

The bank has also been conducting Concurrent Audit of

selected branches. During the year under report 85 branches

were coveed under Concurrent Audit.

STATUTORY AUDIT

In terms of Sub-Section (1) & (2) of Section 19 of RRB Act,

1976 for the fi nancial year 2012-13, M/s U C Majumdar &

Co., Chartered Accountants were appointed as the Statutory

Central Auditor to undertake statutory audit of the Bank in addition to 21 nos. of Branch Auditors. They have

audited all the branches and Head Offi ce of the Bank, as per guidelines of NABARD/RBI. The Board of Directors

conveys its heartiest thanks to the Auditors.

AUDIT COMMITTEE OF BOARD

During the period under report, four meetings of the Audit Committee of the Board were held. The Audit

Committee had discussions on the functioning of the Bank and put forward their suggestions/observations

for further improvement in the business operations of the Bank. All the suggestions/observations of the Audit

Committee of the Board were implemented/complied with.

CUSTOMER SERVICE

All out efforts were made to provide prompt and effi cient services to customers through 374 CBS branches.

To provide better customer service, Note Counting Machines have been provided to the branches handling

higher volume of cash. Telephone/Internet facilities have been provided to almost all branches. Customer

complaints were attended to on priority basis. Further, Customer Service Committees have been formed in

all branches covering representation from various sections of customers and local dignitaries. Regular meets

of the customers were organized at branches level to have direct interface with customers and to record their

observations for improving customer services. Region Level Customers’ meet were also organized. More and

more nos. of branches were included under clearing house membership to facilitate quick collection of cheques/

demand drafts.

To improve the ambience and customer facilities, new set of furniture of contemporary style and look were

provided to 46 more branches during the year under review. Further, facilities of drinking water, toilets, cheque

drop box, etc. were also provided to the almost all branches.

CBS training to Inspecting offi cials

Observance of vigilance week at Head Offi ce - taking oath


258th A N N U A L R E P O R T, 2 0 1 2 - 1 3

RIGHT TO INFORMATION ACT

The Right to Information Act, which came into force on October 12, 2005, has also been implemented by the

Bank, in terms of provisions of the Act. The relevant information as per the Provision of the Act have been put on

Bank’s website (www.agvbank.co.in). All the applications received during the year have been disposed of.

COMPLIANCE TO BANKING OMBUDSMAN SCHEME

During the period under review, the Bank complied with the provisions of the Banking Ombudsman Scheme,

2006 by submitting as well as presenting all relevant data, records and comments, as advised by the competent

authority from time to time. During the period 15 nos. complaints were lodged before the Hon’ble Banking

Ombudsman, N E Region, of which all the 15 cases could be resolved by mutual conciliation process. No Awards

was passed by the Hon’ble Banking Ombudsman against the Bank, during the period under review.

CELEBRATION OF 7th ANNIVERSARYThe amalgamated Bank has completed 7th year of its existence on 12.01.2013. To mark its 7th anniversary, Bank

organized various programmes like Customers Meets, Financial Literacy Programmes, different competitions

etc. involving all branches and offi ces. Further, one Press Meet was also organized by Head Offi ce at Guwahati

to announce the implementation of various technology based modern banking services in the bank. The Press

Meet was addressed by the Chairman of the bank and over 50 media persons representing various print and

electronic media attended the press meet. Most of the daily news papers and TV Channels covered bank’s

performance in different parameters.

AWARDS & RECOGNITIONS

Assam Gramin Vikash Bank was awarded with Special Jury Commendation in the NASSCOM organised “IT Driven

Innovation Awards -2013” under Cooperative & RRBs category for its contribution towards implementation of

innovative IT driven ideas in the Bank. The Bank was selected for the award for its contribution in innovating

E-Circular module for use in the Bank.

INTERNATIONAL WOMEN’S DAY

Like the earlier year, Bank celebrated International Women’s Day on 08.03.2013 at Vivekananda Kendra Institute of

Culture, Guwahati. Ms. Purnima Saikia, noted cine actress graced the occasion as Chief Guest and Ms Balwinder

S S Singh, Chairman addressing the media

Observance of International Women's Day-2013

26 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Kaur, AGM, NABARD as Guest of Honour along with Chairman and senior offi cials of the Bank. The theme on

which the day was celebrated was “A Promise is a Promise- Time now to end violence against women”. All the

dignitaries spoke keeping alignment with the theme and tried to encourage and motivate the audience. On the

occasion, Chairman of the Bank spoke about launching new products specially designed for women.

Visit of Dignitaries

During the period under review following important dignitaries visited the Bank :

Shri D K Mohanty, Hon’ble Executive Director, Reserve Bank 1.

of India visited the Bank’s Khetri branch 23-12-2012 alongwith

Mr. P K Jena, Regional Director, Reserve Bank of India. In the

Visit Register, the Hon’ble Executive Director has recorded his

pleasure over the functioning of the branch, particularly observing

the high CD ratio of the branch and wished further improvement

of the branch in the days to come.

Shri Sanjay Arya, Executive Director, United Bank of India visited 2.

Head Offi ce of the Bank 07-02-2013 and interacted with the

senior offi cials of the Bank. He expressed his satisfaction over

the ambience of HO and praised all staff members for the high

energy level.

INDUSTRIAL RELATION

Consequent upon amalgamation of the Bank, the Offi cers of the Bank are represented by the Assam Gramin

Vikash Bank Offi cers’ Association and all the workmen employees are represented by the Assam Gramin Vikash

Bank Employees’ Association. Both the Associations are registered with the Registrar of Trade Unions, Assam

and have also been accorded recognition by the Bank. Periodical discussions are held with the associations on

their Charter of Demands and to sort out various issues raised by them from time to time and also to apprise

them the progress made by the Bank in business development, recovery etc. The atmosphere of the talks has

always been cordial and co-operative.

The Bank has been trying its best to address the issues raised by the Associations and in fact quite a number of

issues have been settled across the table

Meeting for quarterly review of performance of the Regional Offi ces


278th A N N U A L R E P O R T, 2 0 1 2 - 1 3

BOARD OF DIRECTORS

During the Financial Year 2012-13 (from 01-04-2012 to 31-03-2013), eight meetings of the Board of Directors

were held. Further, following changes have taken place in the Board of Directors during this period.

Outgoing Director From & To Incoming Director From

Shri Satya Narayan Sahu, Chairman31.08.2009 to

01.11.2012Shri S.S.Singh, Chairman 02.11.2012

Shri S C Sarkar, AGM,RPCD, Reserve Bank of India,Guwahati

11.02.2010 to

15.10.2012

Shri R.C.Sarma, AGMRPCD, Reserve Bank of India, Guwahati

16.10.2012

Shri T K ChattopadhyayAGM (Lead Bank )United Bank of India,Head Offi ce, Kolkata

11.11.2011 to 10-06-2012

Shri Manas DharGeneral Manager (FI & PS)United Bank of India,Head Offi ce, Kolkata

11-06-2012

Sri Rathin DeDGM & CRM, United Bank of IndiaGuwahati Regional Offi ce

16-03-2011 to 10-06-2012

Sri G P Sharma, DGM & CRM, United Bank of IndiaGuwahati Regional Offi ce

11-06-2012

Sri S P Nandy, IASSecretary, FinanceGovt. of Assam

15-02-2006 to 06-07-2012

Sri Anjan Bordoloi, ACSAddl. Secretary, Chief Minister’s Offi ce, Assam

07-07-2012

The Board of Directors placed on record its deep gratitude for valuable support and guidance extended by the

outgoing Directors and heartily welcomed the new Directors of the Bank.

RETIREMENT FROM SERVICE

During the period under report, 17 Offi cers & Award Staff have retired from the service of the Bank on attaining

superannuation. The Board of Directors acknowledges their contribution to the bank and also wishes happy &

healthy retired life for them.

OBITUARY

The Board of Directors remembers with grief the untimely demise of the following members of staff of Assam

Gramin Vikash Bank, namely i) Pabitra Kr Singha, ii) Tarun Ch Das, iii) Chandreswar Boro, iv) Chandan Kr Paul, v)

Kamala Kanta Pradhan, vi) Mohan Ch Medhi, vii) Joynal Abedin, viii) Muhidhar Pator, ix) Hasta Bahadur Chetri, x)

Rafi quddin Barbhuiya, xi) Kishori Mohan Bora, xii) Ghana Kanta Gayan and pays homage to the departed souls

to rest in peace and also expresses its sympathy towards the bereaved members of their families.

S S Singh, New Chairman taking over the charge of the Bank from outgoing Chairman S N Sahu

28 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

The Board of Directors puts on record its gratitude to the Govt. of India,

Govt. of Assam, Reserve Bank of India, National Bank for Agriculture

and Rural Development and United Bank of India for extending valued

guidance and support for proper functioning of the Bank. The Board

of Directors also expresses thanks to District Authorities of various

districts within the area of operation of the Bank for their support and

co-operation particularly for their patronage and extending support

in the process of implementation of poverty alleviation programmes

and recovery of overdues. The Board also expresses thanks to the

millions of clientele and well wishers for extending their continuous

support, co-operation and patronage to the Bank. The Board of

Directors further expresses gratitude and extends sincere thanks to

various training institutes-such as IIBM, Guwahati, STC, UBI, Kolkata,

BIRD, Lucknow, RTC, Bolpur, CAB, RBI, Pune, and NIRD, Guwahati

for delivering their best for development of human resource of the

Bank.

The Members of the Board place their sincere appreciation for the

dedicated service rendered by all categories of staff including offi cers

deputed from Sponsor Bank for the overall development of the Bank.

The Board of Directors offers their heartiest thanks to Assam Gramin

Vikash Bank Offi cers’ Association and Assam Gramin Vikash Bank

Employees’ Association for maintaining a congenial and peaceful

industrial relation in the Bank.

The Board of Directors further wishes that all categories of employees

of the Bank would continue to perform better by providing excellent

customer services and dedications to uplift the cause of the Bank as

well as rural masses.

For and on behalf of

Board of Directors

(S.S.SINGH)

CHAIRMAN

Fo

Board of

SINGH)

N

A C K N O W L E D G E M E N T


298th A N N U A L R E P O R T, 2 0 1 2 - 1 3

PERFORMANCE OF THE BANK AT A GLANCE as on 31st March-2013

(Amount in ` Thousand)

Sl

NoP A R A M E T E R S 31.03.2011 31.03.2012 31.03.2013

A KEY PERFORMANCE INDICATORS

1 No. of District Covered 25 25 25

2 No. of Branches 362 369 374

Of which -

a) Rural 298 276 280

b) Semi – Urban 51 77 78

c) Urban 13 16 16

d) Metropolitan X X X

3 Total Staff 1733 1748 1884

Of which - Offi cers 761 797 974

4 Deposits 43764005 48831890 55313008

Growth % 26.39 11.58 13.27

5 Borrowings Outstanding 762204 1322633 1444041

Growth % 1.34 73.52 9.18

6 Gross Loans & Advance outstanding 20728263 26015645 31135260

Growth % 28.09 25.50 19.68

Of which (6) above

i) Loans to Priority Sector 16517834 21723383 26181658

ii) Loans to Non-Priority Sector 4210429 4292262 4953602

iii) Loans to SC/ST 3349650 4050418 4262897

iv) Loans to SF/MF/AL 6584308 8061042 11343829

v) Loans to Minority Community 4124568 4782495 5374119

7 CREDIT DEPOSIT RATIO 47.36 53.28 56.29

8 Investments Outstanding 25027897 25680435 26444116

Growth % 30.64 2.61 2.97

SLR Investment outstanding 13510132 13566371 13822051

Non-SLR outstanding 11517765 12114064 12622065

B AVERAGE

9 Average Deposits 37047426 44001835 50041284

Growth % 24.44 18.77 13.73

10 Average Borrowings 756440 821191 1174301

Growth % 35.29 8.56 43.00

11 Average Loans & Advances 17751470 22770199 27832115

30 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Sl

NoP A R A M E T E R S 31.03.2011 31.03.2012 31.03.2013

Growth % 21.71 28.27 22.23

12 Average Investments 21003349 23720048 25689276

Growth % 25.24 12.93 8.30

Avg. SLR Investment % to Avg. Deposit 32.91 28.80 25.39

Average Non-SLR Investment as % to Avg. Deposit 23.78 25.11 25.94

13 Average Working Funds 38700191 45719351 52111910

C LOANS ISSUED DURING THE YEAR

14 Loans issued during the year 7434979 7424468 7041506

- Of 14 above, loans to Priority Sector 5887797 6243579 5610429

- Of 14 above, loans to Non-Priority Sector 1547182 1180889 1431077

- Of 14 above, Loans to SC/ST 722690 650008 421343

- Of 14 above, Loans to SF/MF/AL 2646883 2575966 3469718

- Of 14 above, Loans to Minority Community 1446365 799188 603840

D 15 PRODUCTIVITY

Per Branch 178155 202839 231145

Per Employee 37214 42819 45885

E 16 RECOVERY PERFORMANCE

A) Demand 4906613 6025082 6737246

b) Recovery 3456449 4222529 4928170

c) Over dues 1450164 1802553 1809076

Recovery % (March Position for 31.03.2013) 70.44 70.08 73.15

17 Farm Sector

- Demand 1098589 1252239 1638493

- Recovery 689542 780044 1013626

- Overdue 409047 472195 624867

Recovery% (March position for 31.03.2013) 62.76 62.29 61.86

18 Non-Farm Sector

-Demand 4455667 4772843 5098753

-Recovery 3215807 3442485 3914544

- Overdues 1239860 1330358 1184209

Recovery % 72.17 72.13 76.77

F 19 ASSET CLASSIFICATION

a) Standard 19549069 24462967 29230496

b) Sub – Standard 495098 631252 628393

c) Doubtful 664902 910313 1266494

d) Loss 19194 11113 9877

T o t a l 20728263 26015645 31135260


318th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Sl

NoP A R A M E T E R S 31.03.2011 31.03.2012 31.03.2013

20 Standard Assets as % Gross Loans & Adv.

outstanding

94.31 94.03 93.88

G PROFITABILITY ANALYSIS

21 Interest paid on -

a) Deposits 1560574 2233396 2582524

b) Borrowings 51555 64630 70590

22 Staff Expenses 821789 931380 1158827

23 Other Operating Expenses 231406 473393 452771

24 Provisions made during the year

a) Against NPAs 80148 210525 286535

b) Other Provisions 140752 99447 13476

25 Interest received on -

a) Loans & Advances 1717294 2513789 3128947

b) Current A/c with Other Bank XXX XXX XXX

c) Investment / approved Securities 1439334 1940737 2233326

26 Misc. Income 239679 339888 280453

27 Profi t / Loss 510081 781643 1078003

H OTHER INFORMATION

28 Share capital deposit 856325 856325 856325

29 Accumulated loss Nil Nil Nil

30 Reserves 736367 1276483 2020304

Mr. P. K. Jena, Regional Director, RBI being felicitated by the Chairman in a review meeting of the Bank

32 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

AUDITOR’S REPORT

To,

The members of the Bank

1. We have audited the accompanying fi nancial statements of ASSAM GRAMIN VIKASH BANK, Guwahati,

Assam which comprise the Balance Sheet as at 31st March 2013 and the Profi t & Loss Account for

the year ended on that date and a summary of signifi cant accounting policies and other explanatory

information. Incorporated in these fi nancial statements are fi gures of 18 Branches audited by us; 351

branches audited by other auditors and the unaudited returns of seven controlling Offi ces duly certifi ed

by the offi cials besides position of 5 branches which are not subjected to Audit. The Branches audited

by us and those audited by other auditors, stated to have been selected by the Bank in accordance with

the guidelines issued by the RBI/NABARD.

2. Bank’s Management is responsible for the preparation of these Financial statements in accordance

with the Banking Regulation Act, 1949. This responsibility includes the design, implementation and

maintenance of internal control relevant to the preparation of the fi nancial statements that are free from

material misstatement, whether due to fraud or error.

3. Our responsibility is to express an opinion on these fi nancial statements based on our Audit. We

conducted our Audit in accordance with auditing standards issued by the Institute of Chartered

Accountants of India. Those Standards require that we comply with the ethical requirement and plan

and perform the audit to obtain reasonable assurance about whether the fi nancial statements are free of

material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts

and disclosures in the fi nancial statements. An Audit also includes evaluating the appropriateness of the

accounting policies used and reasonableness of the accounting estimates made by the management,

as well as evaluating the overall fi nancial statement presentation. We believe that our audit provides a

reasonable basis for our opinion.

4. The Balance Sheet and the Profi t & Loss Account have been drawn up in Form “A” and “B” respectively

of the Third Schedule to the Banking Regulation Act, 1949.

5. Our observations on the accounts are :

i) We are unable to express an opinion of the impact, if any, on these accounts, the amount being

unascertainable, at this stage which may arise on reconciliation and adjustment of outstanding

entries in Inter-Branch Offi ce/Intersol transactions.{Refer Note No:1 of Schedule 17 Clause B}

ii) The Bank has followed the norms prescribed by RBI/NABARD in respect of classifi cation of

advances except improper classifi cation of advances by some branches, effect of which resulted

U.C. Majumdar & Co

Chartered Accountants


338th A N N U A L R E P O R T, 2 0 1 2 - 1 3

in minor deviation of classifi cations of advances from the prescribed prudential norms. However,

MOC suggested by the Branch Auditors have duly been effected to.

iii) Capital adequacy Ratio disclosed in Schedule 17 Clause B 3(a.i) is subject to the effects of the

observations stated above.

6. Subject to the observation made above and limitation of the audit as indicated in the paragraph 2 and 3

above and as required by the Regional Rural Bank, 1976 and subject also to the limitation of disclosure

contained therein. We report that :

A. In our opinion, and to the best of our information and according to the explanation given to us and as

shown by the Books of the Bank:

i) The Balance Sheet, read with the notes thereon, is a full fair Balance Sheet containing all the

necessary particulars, is properly drawn up so as to exhibit a true and fair view of the state of affairs

of the Bank as at 31st March,2013; and

ii) The Profi t & Loss Account, read with the notes thereon shows a true balance of Profi t for the year

ended on that date.

B. We have obtained all the information and explanations which, to the best of our knowledge and belief,

were necessary for the purposes of our Audit and found them to be satisfactory.

C. In our opinion, the Balance Sheet and Profi t & Loss Account comply with the Accounting Standards

issued by the Institute of Chartered Accountants of India in so far as they apply to the Bank.

D. The Returns received from Branches have been found adequate for the purposes of our Audit.

E. The Transactions of the Bank, which have come to our notice, have been within the power of the

Bank.

U C Majumder & Co.


Firm Regd. No.304066E

Date: 30.05.2013

Place: Guwahati

S. Bhowmick

Partner

Membership No.058866

34 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

PARTICULARSSCHEDULE

NO

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

CAPITAL & LIABILITIES

CAPITAL 1 40000000.00 40000000.00

SHARE CAPITAL DEPOSIT 1 856324800.00 856324800.00

RESERVES & SURPLUS 2 2020304267.73 1276482581.55

DEPOSITS 3 55313007685.76 48831890000.72

BORROWINGS 4 1444040882.00 1322633014.32

OTHER LIABILITIES & PROVISIONS 5 4575062328.92 3790999874.01

TOTAL ` 64248739964.41 56118330270.60

ASSETS

CASH AND BALANCE WITH

RESERVE BANK OF INDIA 6 2968885518.31 2748367351.94

BALANCE WITH BANKS & MONEY

AT CALL & SHORT NOTICE 7 15625101624.35 13585635204.45

INVESTMENTS 8 13366067544.00 12995443993.00

ADVANCES 9 30146258708.45 25299703172.73

FIXED ASSETS 10 139449774.01 139656572.90

OTHER ASSETS 11 2002976795.29 1349523975.58

TOTAL ` 64248739964.41 56118330270.60

CONTINGENT LIABILITY12

91422929.00 77642494.00

BILLS FOR COLLECTION 364161357.47 276514381.54

ASSAM GRAMIN VIKASH BANKHEAD OFFICE: GUWAHATI (ASSAM)

BALANCE SHEET AS ON 31 ST MARCH, 2013

U C Majumder & Co.

Date: 30.05.2013 Chartered Accountants

Place: Guwahati Firm Regd. No.304066E

S. Bhowmick

Partner


S S Singh M Mukherjee G P Sharma

Chairman Director Director

A. Chakraborty P. L. Dev Mahanta

Director Director

S SSSS Si h

A Ch k b

S Bho mmick


358th A N N U A L R E P O R T, 2 0 1 2 - 1 3

PARTICULARSSCHEDULE

NO

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

I. INCOME

INTEREST EARNED 13 5362272725.94 4454525879.32

OTHER INCOME 14 280453203.74 332031694.66

TOTAL ` 5642725929.68 4786557573.98

II. EXPENDITURE

INTEREST EXPENDED 15 2653114366.69 2298025349.23

OPERATING EXPENSES 16 1611597324.34 1396917460.62

PROVISION & CONTINGENCY 300011552.47 309972051.66

TOTAL ` 4564723243.50 4004914861.51

III. PROFIT / LOSS

Net Profi t for the year before taxation 1078002686.18 781642712.47

Less : Income Tax for the Financial Year 334181000.00 241527600.00

Less : Deferred Tax Liability 0.00 0.00

Add : Deferred Tax Asset 0.00 0.00

NET PROFIT AFTER TAX 743821686.18 540115112.47

IV. APPROPRIATIONS

Transfer to Statutory (Special) Reserve 148764337.24 108023022.49

Transfer to Capital Reserve 4400000.00 2532500.00

Transfer to General/Revenue Reserve 590657348.94 429559589.98

TOTAL ` 743821686.18 540115112.47


PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED: 31.03.2013

U C Majumder & Co.



Date: 30.05.2013 S. Bhowmick

Place: Guwahati Partner


SIGNIFICANT ACCOUNTING POLICIES

AND NOTES ON ACCOUNTS

S Bhowowmick




Director Director

S SSS Si h

A Ch k b

36 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

SCHEDULES ANNEXED TO & FORMING PART OF BALANCE SHEET

AS ON 31ST MARCH, 2013

PARTICULARS AS ON 31.03.2013 AS ON 31.03.2012

SCHEDULE :01 : CAPITAL

Authorised Capital

500000 shares of `100/- each 50000000.00 50000000.00

Subscribed Capital

400000 shares of `100/- each 40000000.00 40000000.00

Called - up Capital

400000 shares of `100/- each 40000000.00 40000000.00

Paid up Capital

50% Govt. of India 20000000.00 20000000.00

15% Govt. of Assam 6000000.00 6000000.00

35% United Bank of India 14000000.00 14000000.00

TOTAL ` 40000000.00 40000000.00

Share Capital Deposit A/c

Govt. of India 428162400.00 428162400.00

Govt. of Assam 128448700.00 128448700.00

United Bank of India 299713700.00 299713700.00

Total ` 856324800.00 856324800.00

SCHEDULE : 02 :Reserve & Surplus

A. Statutory (Special) Reserve

Opening Balance 234737158.42 126714135.93

Less : Withdrawals 0.00 0.00

Additions during the year 148764337.24 108023022.49

Closing Balance 383501495.66 234737158.42

B. Capital Reserve

Opening Balance 161428485.57 158895985.57



Closing Balance 165828485.57 161428485.57

C. General/Revenue Reserve

Opening Balance 880316937.56 450757347.58



Closing Balance 1470974286.50 880316937.56

TOTAL (A+B+C) ` 2020304267.73 1276482581.55

SCHEDULE : 03 : Deposits

A. i) Demand Deposits

a) From Banks 0.00 0.00

b) From Others 3855172061.08 4639874120.67

ii) Savings Bank Deposits 32681541200.69 29912423945.43

iii) Term Deposits

a) From Banks 0.00 0.00

b) From Others 18776294423.99 14279591934.62

TOTAL ` 55313007685.76 48831890000.72


378th A N N U A L R E P O R T, 2 0 1 2 - 1 3


B i) Deposit of Branches in India 55313007685.76 48831890000.72

ii) Deposit of Branches outside India 0.00 0.00

TOTAL ` 55313007685.76 48831890000.72

SCHEDULE :04 : Borrowings

A. Borrowings in India

i) Reserve Bank of India 0.00 0.00

ii) NABARD 1088531825.00 1040752960.00

iii) Other Banks

a) Sponsor Bank (U.B.I.) 241746057.00 246668554.32

b) SIDBI 0.00 0.00

c) SBI 0.00 0.00

iv) Other Institutions & Agencies (NSTFDC) 113763000.00 35211500.00

B. Borrowings Outside India 0.00 0.00

TOTAL ` 1444040882.00 1322633014.32

Secured borrowings included in A & B above 1444040882.00 1322633014.32

SCHEDULE :05 : OTHER LIABILITES & PROVISIONS

i) Bills Payable ( As per Annexure - I ) 445858218.30 605192060.27

ii) Inter Offi ce Adjustment (Net) 76734378.48 68322411.27

iii)Interest Accrued ( As per Annexure - II ) 625461320.25 563414791.68

iv) Others including Provisions ( As per Annexure -III ) 3427008411.89 2554070610.79

TOTAL ` 4575062328.92 3790999874.01

SCHEDULE : 06: CASH & BALANCE WITH RESERVE BANK OF INDIA

i) Cash in hand 703944053.15 496748161.95

ii) Balance with Reserve Bank of India

a) In Current Accounts 2264941465.16 2251619189.99

TOTAL ` 2968885518.31 2748367351.94

SCHEDULE: 07 BALANCES WITH BANKS & MONEY AT CALL & SHORT NOTICE

A. In India

i) Balances with Banks

a) In Current Accounts 3308776824.35 1889310404.45

b) In Other Deposit Accounts 12316324800.00 11696324800.00

15625101624.35 13585635204.45

ii) Money at call & Short Notice 0.00 0.00

15625101624.35 13585635204.45

B. Outside India 0.00 0.00

15625101624.35 13585635204.45

SCHEDULE : 08 : INVESTMENTS

I. Investment in India in

i) Government securities 13063990044.00 12581366493.00

ii) Other Approved securities 0.00 0.00

iii) Share of Co-Op. Societies 500.00 500.00

iv) In Debentures & Bonds 302077000.00 314077000.00

v) Others 0.00 100000000.00

II) Investments outside India 0.00 0.00

TOTAL ` 13366067544.00 12995443993.00

Grand TOTAL ` 13366067544.00 12995443993.00

38 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3


SCHEDULE :09 : ADVANCES

A. i) Bill Purchased & Discounted 0.00 0.00

ii) Cash Credit, Overdraft and Loan repayable on Demand 9931866450.23 7717573719.23

iii) Term Loans 20214392258.22 17582129453.50

TOTAL ` 30146258708.45 25299703172.73

B. i) Secured by tangible Assets 28588479607.87 24756981878.28

ii) Secured by Bank / Govt. Guarantees/ECGC/CGTMSE 1195331226.00 469081412.02

iii) Unsecured 362447874.58 73639882.43

TOTAL ` 30146258708.45 25299703172.73

C. I. Advances in India

i) Priority Sector 18971657327.79 18723383415.21

ii) Public Sector 0.00 0.00

iii) Banks 0.00 0.00

iv) Others 11174601380.66 6576319757.52

II Advances outside India 0.00 0.00

TOTAL ` 30146258708.45 25299703172.73

D. i) Standard Assets 29230495272.27 24462967323.16

ii) Sub-Standard Assets 534680112.75 537673628.86

iii) Doubt Assets

a) Doubtful Assets - I 264995215.14 196071997.35

b) Doubtful Assets - II 115857458.29 102479063.36

c) Doubtful Assets - III 230650.00 511160.00

d) Loss 0.00 0.00

TOTAL ` 30146258708.45 25299703172.73

SCHEDULE : 10 FIXED ASSETS

i) Premises 11400000.00 0.00

ii) Other Fixed Assets

At cost as on 31st March of Preceding year 277524232.88 150536673.74

Addition during the year 32738821.89 132457809.38

310263054.77 282994483.12

Less - Deduction during the year 3408326.07 5470250.24

306854728.70 277524232.88

Add - Adjustment during the year 0.00 0.00

306854728.70 277524232.88

Less - Depreciation to date on premises 135863.00 0.00

Less - Depreciation to date on other Fixed Assets 178669091.69 137867659.98

128049774.01 139656572.90

TOTAL ` 139449774.01 139656572.90

SCHEDULE : 11 : OTHER ASSETS

i) Inter Offi ce Adjustment (Net) 0.00 0.00

ii) Interest accrued on Investment 752512735.00 593801017.00

iii) Interest accrued on Advance 100774654.71 79041026.45

iii) Tax paid in Advance/deducted at source 739297797.00 457596913.00

iv) Stationery & Stamps 10720857.86 10134250.56

v) Suspense A/c HO & Branches 210395832.00 120518012.55


398th A N N U A L R E P O R T, 2 0 1 2 - 1 3


vi) Others ( As per Annexure - IV ) 189274918.72 88432756.02

TOTAL ` 2002976795.29 1349523975.58

SCHEDULE:12: CONTINGENT LIABILITIES

i) Claims Against the Bank not acknowledged as debts 0.00 0.00

ii) Liabilities for partly paid Investments 0.00 0.00

iii) Liability on account of Outstanding Forward Exchange

Contracts0.00 0.00

iv) Guarantee given on behalf of constituents in India 91422929.00 77642494.00

v) Acceptance, Endorsements and Other Obligations 0.00 0.00

TOTAL ` 91422929.00 77642494.00

SCHEDULE : 13 : INTEREST EARNED

i) Interest/discount on Advances/Bills 3128946840.86 2513789028.14

ii) Income on Investments (including interest on F.D. with

Banks)2233325885.08 1940736851.18

iii) Interest on Balance with R.B.I. And Inter Bank Funds 0.00 0.00

iv) Others 0.00 0.00

TOTAL ` 5362272725.94 4454525879.32

SCHEDULE : 14 : OTHER INCOME

i) Commission, Exchange & brokerage 58039553.89 73811766.66

ii) Profi t on sale of Investment 17047314.64 12562720.22

iii) Profi t on Revaluation of Investment 0.00 0.00

iv) Profi t on sale of Land, Building and Other Assets 86998.33 105137.35

v) Profi t on Exchange Transaction 0.00 0.00

vi) Miscellaneous Income ( details in Annexure V ) 205279336.88 245552070.43

TOTAL ` 280453203.74 332031694.66

SCHEDULE :15 : INTEREST EXPENDED

i)Interest on Deposit 2582524221.98 2233395616.23

ii)Interest to NABARD/SIDBI 65447846.00 48067041.00

iii)Interest to Bank on Borrowing 5142298.71 16562692.00

TOTAL ` 2653114366.69 2298025349.23

SCHEDULE : 16 : OPERATING EXPENSES

i) Payment to & Provision for Employees (including deputed

staff)1158827112.71 931380372.63

ii) Rent,Taxes & Lighting 61346203.24 67033214.42

iii) Printing & Stationery 13937853.77 13968215.94

iv) Advertising & Publicity 599023.00 336187.00

v) Depreciation on Banks Property 42111372.03 24662198.44

vi) Audit Fees & Exp. ( including Branch Auditors ) 6608786.00 5190082.00

vii) Law & Professional Charges 15547187.00 3162669.75

viii) Postage, Telegrams, etc. 1773573.65 1581234.51

ix) Car Maintenance 1437193.18 1035674.00

x) Other Repairs & Maintenance 1690011.67 5360596.49

xi) Telephone Expenses 5184154.00 22843537.37

x) Insurance 11031250.99 7122016.53

xi) Other Expenditure ( As per Annexure - VI ) 291503603.10 313241461.54

TOTAL ` 1611597324.34 1396917460.62

40 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ANNEXED TO & FORMING PART OF BALANCE SHEET AS ON 31ST MARCH, 2013

ANNEXURE - I

DETAILS OF BILLS PAYABLE

ANNEXURE -II

DETAILS OF INTEREST ACCRUED

ANNEXURE : III :

DETAILS OF OTHER LIABILITIES ( INCLUDING PROVISIONS )

PARTICULARSAS ON 31.03.2013

Amount(`)

AS ON 31.03.2012

Amount(`)

Demand Draft Payable 317548888.23 293347283.16

Stale remittance 2778089.38 4383582.29

Pay order 125527349.69 307457303.82

Gift Cheque payable 3891.00 3891.00

Total ` 445858218.30 605192060.27


Amount(`)

AS ON 31.03.2012

Amount(`)

On Deposit 620653083.25 557435349.68

On Borrowings from NABARD 4808237.00 5979442.00

Total ` 625461320.25 563414791.68


Amount(`)

AS ON 31.03.2012

Amount(`)

Clearing Adjustment 152992.00 1280043.00

Marginal Deposit 1971617411.56 1874858857.65

Outstanding Income Tax 962229.00 1535042.00

Outstanding Professional Tax on Salary 28148.00 10400.00

Outstanding House Rent A/c 391925.50 700882.50

Outstanding GSLI Premium 241250.00 73010.00

Outstanding EPF A/c 1072586.00 156544.00

Security Deposit 1539984.00 2168654.00

Grant Assistance SHPI 2362225.00 5961588.00

Outstanding Bills for expenses 198965246.87 114746.90

Otg. Service Tax payable 0.00 360214.00

Insurance Premium Collection/Payable A/C 1667925.77 924691.83

Assistance Received from NABARD 1184505.98 25249.00

Venture Capital Fund Payable 7426938.00 26313449.72

Audit fees & Expenses payable 3970210.00 2583860.00

Provision against Standard Advances 88312354.00 74886723.00

Provision for loss on mis-appropriation of bank’s fund 72390335.82 72390335.82

Oustanding salary bill 3335635.94 5414909.94

Insurance claim settled account 129702.45 1288959.43

Investment Fluctuation Reserve 254053356.00 0.00

Provision for Income Tax 817203450.00 483022450.00

Total ` 3427008411.89 2554070610.79


418th A N N U A L R E P O R T, 2 0 1 2 - 1 3

PARTICULARS

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

Deferred Tax Assets 661507.00 661507.00

Suspense Accounts ( Net of Provision) 41108392.99 36736639.97

Temporary Advance to staff 2811946.27 1528815.22

Festival Advance 18339822.08 17533793.97

Law Charge Recoverable A/c ( Net of Provision) 693788.37 653100.62

Security Deposit for Meter,Telephone & F.Machine 2426084.99 2345426.99

Clearing Adjustment A/C 1941958.00 25849.00

Remittance/OCC in Transit 120300585.02 28918047.25

GSLI Receiveable 10780.00 5810.00

Pre Paid Insurance 10009.00 10009.00

Commission rent etc. Receivable 1525.00 13757.00

Licence fee paid in Advance 968520.00 0.00

Total ` 189274918.72 88432756.02

ANNEXED TO & FORMING PART OF BALANCE SHEET AS ON 31ST MARCH, 2013

ANNEXURE : IV : DETAILS OF OTHER ASSETS ( INCLUDING PROVISIONS )

ANNEXED TO & FORMING PART OF PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED 31ST MARCH, 2013

ANNEXURE : V : DETAILS OF MISCELLANEOUS INCOME

PARTICULARS

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

Incidental Charges 70627079.30 76553667.66

Service Charges 35916238.94 73839726.65

Evaluation Charges & Processing Charges 37744277.50 38842744.54

Locker Rent 526332.00 503711.63

Referral fees 1966750.00 3109442.00

Sales Proceed of old News Paper etc. 9741.00 81405.72

Recovery in Bad debt written off 7402260.63 7078331.20

Penal Interest 46121709.61 42731605.68

Mortgage Charge 4964947.90 2811435.35

Total ` 205279336.88 245552070.43

DETAILS OF PROVISIONS & CONTINGENCIES

PARTICULARS

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

Depreciation on Investment 0.00 72852952.00

Provision against NPA 286535159.47 210524903.6

Provision against Standard Advance 13425631.00 13561377.00

Provision against loss on Misappropriation/Fraud 50762.00 13032819.02

Total ` 300011552.47 309972051.66TToToToToToToToToTTTTTTTTTTTTTTTTTTTTTToToTTTTTTTTTTTTTTTTTTToTTTTooToTTToTTTTTTTTTTTTTTTTTooToToTTTTTTTTTTTTTooToTToToooooToToToToToToToToToTooToToTooooooooTooooooooooToooooooooooooooooooooooooooooooooooooooooToooooooooooooooooooooooooooToooooooooooooooooooooooooooooooooooooooooooooottttatatatatatatatatataatatatattttttttatatattttatatatttttttttttttttaatttattttttttatatatatatatatatatatattatatatattatatatatattaatttatttatatttttatattttttaaaaatatatattattaaaaaataaaatattattttaaaaaaaaaatttttaaaaataaaatttttaaaaaaaaaaaatttttttaaaaaaaaaaaaaattttttaaaaaaaaaaaaaaatttttaaaaaaaaaaattttaaaaaaaaataaaaaaaaaaaaaaataalllllllllllllllllllllllllllll `

42 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

PARTICULARS

AS ON

31.03.2013

Amount(`)

AS ON

31.03.2012

Amount(`)

Remittance Expenses 9715105.00 9095932.20

Commission and other Bank Charges 557809.32 213704.04

Clearing House Charges 871108.68 1155252.44

News Papers & Periodicals 378514.00 285640.27

Sanitation 19735599.03 14635843.00

Entertainment 61605.00 55821.50

Meeting expenses 551462.00 478550.00

Conveyance Expenses 4160578.60 2498436.47

Travelling Expenses 12541979.31 13363766.14

Freight & Coolie 536896.00 744323.00

Business development 2119527.16 1223798.75

Insurance on Deposit to DICGCI 43533787.00 37983266.00

Training Cost 595872.00 2696551.01

Examination Cost 0.00 265204.50

Institutional membership subscription 78180.00 140579.00

Incentive & Honorarium 225000.00 239666.67

Gratuity Premium 170000000.00 170000000.00

Write-off against Bad Debt 0.00 8304419.55

Donation/Corporate Social Responsibility 12500000.00 1000000.00

Administrative Charges EPF 1648522.00 1504427.00

Group Insurance EDLI 2000000.00 1459642.00

Staff welfare (Exgratia) 105000.00 8954759.00

Net Expenses for CBS/CBS others 9587058.00 36941879.00

Total ` 291503603.10 313241461.54

ANNEXED TO & FORMING PART OF PROFIT & LOSS ACCOUNT

FOR THE YEAR ENDED 31ST MARCH, 2013

ANNEXURE : VI : DETAILS OF OTHER EXPENDITURE

S S Singh, Chairman being felicitated in his maiden review meeting with Regional Heads


438th A N N U A L R E P O R T, 2 0 1 2 - 1 3


Schedule 17

NOTES ON ACCOUNTS TO THE BALANCE SHEET AND PROFIT & LOSS ACCOUNT FOR THE YEAR 2012-13

A) SIGNIFICANT ACCOUNTING POLICIES:

1. ACCOUNTING CONVENTIONS :

The fi nancial statements are prepared on historical cost basis & confi rm to the statutory provisions & Prevailing

practices except as otherwise stated.

2. A) INVESTMENT-BASIS OF VALUATION:

All investments have been valued at cost & provision has been made against non-performing investments. a)

Further depreciation has also been made against the Govt. Securities classifi ed under “Held for Trading” and

“Available for Sale categories” as per RBI guidelines. The investments are shown net of Depreciation and

Amortisation in Balance Sheet.

Profi t & Loss on sale of investment is taken to the profi t & loss account as other income.b)

Broken period interest received on Govt. securities is taken to Profi t and Loss account and similarly Brokerage, c)

Commission and Broken period interest paid is charged to Profi t & Loss account.

2. B) CASH INSURANCE:

Settlement of Insurance claim has been taken on cash basis.a)

Payment of Premium against Bankers’ Indemnity Policy has been taken on actual payment basis.b)

3. ADVANCES:

All advances are classifi ed into performing and non- performing as per norms laid down by RBI. Non performing

advances are classifi ed into sub-standard, doubtful and loss assets. Provisions are arrived at in accordance with

the prudential norms prescribed by RBI, which is as under:

3.1. a) Standard assets @ 0.25% for Agriculture & SME and 0.40% on other assets except Real Estate Advances

which is 1%, computed over the balance outstanding as per RBI guidelines.

b) Sub-Standard assets @ 15% of the balance outstanding.

c) Doubtful assets

Category D-I @ 25% on the secured portion and 100% on unsecured portion.

Category D-II @ 50% on the secured portion and 100% on unsecured portion.

Category D-III @100% on the balance outstanding irrespective of security.

d) Loss Assets - @100% on the balance outstanding irrespective of security

3.2. Advances are stated in the Balance Sheet is net of provision made against Non-Performing Assets. Provisions

made against Standard Advances is shown in the Balance Sheet as Other Liabilities & Provisions.

4. FIXED ASSETS & DEPRECIATION:

a) Fixed assets are stated at cost less depreciation.

b) Depreciation has been provided for on written down value/straight line method at the rates prescribed by the

Bank. The assets which are purchased during the year, depreciation on such assets has been provided on

prorata basis i.e. for the number of days from the date of purchase till end of the year. Further no depreciation

is provided on the assets which are sold / discarded irrespective of the period of use during the year.

The depreciation on various categories of fi xed assets during the year has been charged at the following rates:

1 Premises 5%

2 Furniture & Fixture 19%

3 Electric Fittings 14%

4 Offi ce Machinery 14%

5 Motor Car/Van 26%

6 Cycle 20%

7 Locker 10%

8 Computer (on Straight line Method) 33.33%

44 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

5. REVENUE RECOGNITION :

All items of Income & expenditure are accounted for on accrual basis.a)

Interest on advances and investments are recognized on a time proportion basis taking into account the b)

amount outstanding & the rate of interest applicable except in the case of non performing advances and

investments where interest has been recognized to the extent realized in accordance with the guidelines

issued by the RBI/NABARD. In respect of advances classifi ed as non performing assets for the fi rst time

during the year, the income accounted for during the year & remaining unrealized at the year end has been

reversed.

Commission earned, locker rent, interest on non performing investment, interest on matured term deposits c)

are accounted for on Cash basis.

The Bank’s operation are solely in the Banking Service Industry including investment/treasury operations as d)

interest income contributes nearly 95.03% of total Bank’s revenue

6. RETIREMENT BENEFIT :

Premium for Gratuity is computed by LIC and the same is paid by the Bank annually to enable them to take care

of the future payment of gratuity to the retiring employees. Bank is contributing towards Statutory Provident Fund

for the benefi t of employees.

7. OTHER PROVISIONS

During the year under review, an amount of `.50,762.00 has been provided against Fraud/Embezzlement. The

Bank has made 100% Provision towards the amount of fraud detected till date.

8. TAXATION

Bank has made required provision for Income tax at the applicable rate.

9. APPROPRIATION OF PROFIT

Profi t after tax has been appropriated to Reserve. The amount earned as profi t by sale of securities has been

appropriated to Capital reserve, 20% of the profi t has been appropriated to Statutory Reserve and the balance

to General/Special Reserve.

B) NOTES ON ACCOUNTS:

1. RECONCILIATION:

Bank has made remarkable progress towards Reconciliation and clearance of outstanding entries of Inter offi ce/

Inter Branch transactions. It is worth mentioning that the data entry in respect of inter branch transaction has been

completed up to 30.09.2012. Further, as on 31.03.2013, AGVB draft issue and payment have been matched in

regard to all the branches up to 31.03.2011 and data entry for reconciliation of this account has been completed

upto 30.09.2012. Bank has started Centralised Demand Draft a/c w.e.f. 01.04.2012 and all Demand Drafts are

now issued & paid from this account. The centralized DD is reconciled as on 31.03.2013.

Reconciliation of balances of Books of Accounts of all the branches has also been completed.

2. INVESTMENT:

Investments are categorized as (1) Govt. Securities, (2) Other Approved Securities, (3) Shares, (4) Bonds and

Debentures and (5) Others.

In accordance with the Reserve Bank of India guidelines, Investments under Govt. Securities are classifi ed a)

into (i) Held to maturity, (ii) Held for trading and (iii) Available for sale. The securities acquired by the Bank

with an intention to hold till maturity is classifi ed as “Held to maturity”. “Held for trading” category comprised

Securities acquired by the Bank with intention of trading. The securities which do not fall within the above

two categories are classifi ed as “Available for sale”.

Investments classifi ed under Held to maturity are carried at cost and premium is amortised over the b)

remaining period of maturity of the individual securities. Investments classifi ed under ‘Held for trading’ and

‘Available for sale’ are marked to market and are valued as per price declared by FIMMDA and accordingly

if net result is appreciation, the same is ignored and if it is depreciation, the same is charged to the Profi t

& Loss a/c. However, as on 31.03.2013, an amount of `25,40,53,356.00 being found excess provision and

therefore the same has been shifted to the Investment Fluctuation Reserve under Other Liabilities in the

Balance Sheet.


458th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Bonds, Debentures, Shares and other long term investments are valued at cost.c)

3. Additional disclosures.

In terms of guidelines issued by the RBI/NABARD additional disclosures are as under:

a. Capital

Sr. No. Particulars 31.03.2013 31.03.2012

i. CRAR (%) 12.18 10.73

ii CRAR – Tier I Capital (%) 11.21 10.37

iii. CRAR – Tier II Capital (%) 0.97 0.36

iv. Percentage of shareholding of the

a. Government of India 50 50

b. State Government (Government of Assam) 15 15

c. Sponsor Bank (United Bank of India) 35 35

b. Investments (` Lakh)


1. Value of Investments

i. Gross value of Investments 255679.39 256804.35

ii Provisions for Depreciation 7580.60 9850.04

iii. Net Value of Investments 248098.79 246954.31

2. Movement of provisions held towards depreciation of investments

i. Opening Balance 9850.04 9180.35

ii Add : Provisions made during the year 396.40 1163.74

iii. Less : Write off/write back of excess provisions during the year 2665.84 494.05

iv. Closing Balance 7580.60 9850.04

c. (i) Non- SLR Investment portfolio

(i) Issuer composition of Non SLR Investments (`. Lakh)

Sl.

No.Issuer Amount

Extent of

private

placement

Extent below

investment

grade

securities

Extent of

unrated

securities

Extent of

unlisted

securities

1 PSUs 1000.00 1000.00 NIL NIL NIL

2 FIs 525.00 525.00 NIL NIL NIL

3 Banks 1320.77 1320.77 NIL NIL NIL

4 Private corporate 0.00 0.00 NIL NIL NIL

5 Others 211.63 211.63 NIL NIL NIL

TOTAL 3057.40 3057.40 NIL NIL NIL

Provision held towards depreciation 36.63 36.63 NIL NIL NIL

46 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

(ii) Non-performing Non-SLR Investments (`. Lakh)

Sl.No. Particulars 2012-13 2011-12

1 Opening balance 36.63 136.63

2 Additions during the year 0.00 0.00

3 Reductions during the year 0.00 100.00

4 Closing Balance 36.63 36.63

5 Total provisions held 36.63 36.63

4. Asset Quality

4.1. a) Non-Performing Asset (` Lakh)


i. Percentage of net NPA to net Advances: 3.04% 3.30%

ii. Movement of NPAs (Gross)

(a) Opening Balance 15526.78 11791.94

(b) Additions during the year 7767.97 6876.25

(c) Reductions during the year 4247.11 3141.41

(d) Closing Balance 19047.64 15526.78

iii. Movement of Net NPAs


(b) Additions during the year 5037.38 4771.01

(c) Reductions during the year 4247.11 3141.41


iv. Movement of provisions for NPAs (excluding provisions on standard assets)


(b) Provisions made during the year 2865.35 2105.25

(c) Write Off/write-back of excess provisions 134.77 0.00


b) Calculation of NPA Provision coverage ratio (` lakhs)

Particulars 31.03.2013 31.03.2012

Total Non Performing Assets 19047.64 15526.78

Total Provision Held 9890.01 7159.42

Provision Coverage Ratio 51.92 46.11

c) Category wise classifi cation of provision against Non-performing advances (` Lakh)

Sl

No.Category of advance Gross Amount

Cumulative

ProvisionNet Advance

1 Standard* 292304.95 883.12 292304.95

2 Sub-Standard Assets 6283.93 937.13 5346.80

3 Doubtful Assets - I 6350.87 3700.92 2649.95

4 Doubtful Assets - II 2467.01 1308.44 1158.57

5 Doubtful Assets – III/ Loss Assets 3945.83 3943.52 2.31

Total 311352.59 10773.13 301462.58

* Not netted with Provisions


478th A N N U A L R E P O R T, 2 0 1 2 - 1 3

4.2. Details of Loan Assets subject to Restructuring (` Lakh)

Sr.

No.Particulars 31.03.2013 31.03.2012

i.Total amount of loan assets subject to restructuring, rescheduling,

renegotiation280.61 256.64

iiThe amount of Standard assets subject to restructuring, rescheduling,

renegotiation280.61 256.64

iii.The amount of Sub-Standard assets subject to restructuring, rescheduling,

renegotiationNil Nil

iv. The amount of Doubtful assets subject to restructuring, rescheduling,

renegotiationNil Nil

Note [(i) = (ii) + (iii) + (iv)] 280.61 256.64

4.3 Details of fi nancial assets sold to Securitization (SC)/Reconstruction Company (RC) for Asset

Reconstruction (` Lakh)


i. No. of Accounts NIL NIL

ii Aggregate value (net of provisions) of accounts sold to SC/RC NIL NIL

iii. Aggregate consideration NIL NIL

iv.Additional consideration realized in respect of accounts transferred in

earlier yearsNIL NIL

v. Aggregate gain/loss over net book value NIL NIL

4.4. Details of non-performing fi nancial assets purchased (` Lakh)


1(a) No. of Accounts purchased during the year NIL NIL

(b) Aggregate outstanding NIL NIL

2(a) Of these, number of accounts restructured during the year NIL NIL

(b) Aggregate outstanding NIL NIL

4.5. Details of non-performing fi nancial assets sold (` Lakh)


1. No. of Accounts sold NIL NIL

2. Aggregate outstanding NIL NIL

3. Aggregate consideration received NIL NIL

4.6 Provisions of Standard Assets (` Lakh)


(i) Provisions made towards Standard Assets 134.26 135.61

48 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

5. Business Ratio


(i) Interest income as percentage of average working fund 10.29 9.74

(ii) Non interest income as percentage of average working fund 0.54 0.74

(iii) Operating profi t as percentage to average working fund 2.64 2.38

(iv) Return on assets 1.26 1.05

(v) Business (Deposits plus advances) per employee 458.86 lacs 428.19 lacs

(vi) Net profi t per employee 5.72 lakhs 4.47 lakhs

No. of employees of the Bank: 1884

6. Asset Liability Management – Maturity pattern of certain items of assets and liabilities

The classifi cation of Asset and Liabilities in different time buckets has been compiled on the basis of information

collected from the branches/offi ces and necessary adjustment/apportionment made at Head Offi ce on the basis

of behavioural maturity pattern. The details are as under:

(`in lakhs)

1-14

days

15-

28

days

29 days

up to 3

months

Over 3

months

& up to 6

months

Over 6

months

and up to

1 year

Over 1

year & up

to 3 years

Over 3

years &

up to 5

years

Over 5

yearsTotal

Deposits 401.39 8.54 98.86 194.50 487.44 3950.17 241.25 149.15 5531.30

Advances 214.17 6.98 32.28 56.03 124.10 1600.43 692.41 387.13 3113.53

Investments 95.37 0.00 250.50 170.72 719.64 91.25 535.27 781.68 2644.41

Borrowings 0.00 0.00 0.70 28.96 54.99 34.66 0.92 0.00 120.23

7. Exposures – Exposure to Real Estate Sector

(` in lakhs)

Sr. No. Category 31.03.2013 31.03.2012

A Direct exposure

(i)

Residential Mortgages

Lending fully secured by mortgages on residential property that is or will

be occupied by the borrower or that is rented

29914.83 29963.64

(ii)

Commercial Real Estate

Lending secured by mortgages on commercial real estates (Offi ce

buildings, retail space, multi-purpose commercial premises, multi-family

residential buildings, multi-tenanted commercial premises, industrial or

warehouse space, hotels, land acquisition, development and construction,

etc.) Exposure would also include non-fund based (NFB) limits;

2624.98 1327.41

(iii)Investments in Mortgage Backed Securities (MBS) and other securitized

exposures NIL NIL

a. Residential NIL NIL

b. Commercial Real Estate NIL NIL

B Indirect Exposure NIL NIL

Fund-based and non-fund based exposures on National Housing Bank

(NHB) and Housing Finance Companies (HFCs)NIL NILN


498th A N N U A L R E P O R T, 2 0 1 2 - 1 3

8. Details of Single Borrower (SGL), Group Borrower Limit (GBL) exceeded by the Bank

The Bank has not made any investment/advance beyond the prudential exposure limit of the Bank during the

fi nancial year.

9. Amount of provisions made for Income-tax during the year

(` Lakh)

Particulars 31.03.2013 31.03.2012

Provision for Income Tax 3365.00 2415.28

10. Disclosure of Penalties imposed by RBI

No penalty has been imposed by Reserve Bank of India during the year under report.

11. Disclosure of requirements as per Accounting Standards where the RBI has issued guidelines in

respect of disclosure items for ‘Notes to Accounts’

a) Compliance of Accounting Standard 18 :

As on 31.03.2012, 3 (three) offi cers are working in the bank on deputation from Sponsor Bank i.e. United Bank

of India. The details of the date of joining, emoluments drawn etc. are given below:

(` Lakh)

Sl

No.Name of the offi cer

Designation

in the Bank

Period of

service

Emoluments

drawn during

the year

Remarks

1 Sri Satya Narayan Sahu ChairmanApril’ 12 to

Nov’128.64

Released on

transfer

2 Sri Shio Shankar Singh ChairmanNov’ 12 to

March’13 3.75

3 Mrs. Sharmistha Bhattacharjee OjahGeneral

Manager

April’ 12 to

March’137.35

TOTAL 19.74

12. Other Accounting Standards

Bank has complied with the disclosure norms stipulated under the various Accounting Standards issued by the

ICAI.

13. Provisions and Contingencies

The aggregate position of all the provisions and contingencies of the Bank are disclosed as under:

(` Lakh)


a Opening Balance in the provisions accounts 15365.59 12366.30

b The quantum of provisions made in the accounting year 3000.11 3099.72

c Amount of draw down made during the accounting year 2675.30 100.43

d Closing Balance in the provisions accounts 15690.40 15365.59

Amount of draw down as shown above is the amount written off against Bad debts and creation of Investment

Fluctuation Reserve.

50 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

14. Draw Down from Reserve

Bank has not drawn down any amount from the Reserve.

15. Disclosure of complaints

The position of disposal of complaints is as under:

A. Customer Complaints

Sr. No. Particulars Details

a No. of complaints pending at the beginning of the year 08

b No. of complaints received during the year 61

c No. of complaints redressed during the year 60

d No. of complaints pending at the end of the year 9

B. Award passed by the Banking Ombudsman

Sr. No. Particulars Details

a No. of unimplemented Awards at the beginning of the year 0

b No. of Awards passed by the Banking Ombudsmen during the year 0

c No. of Awards implemented during the year 0

d No. of unimplemented Awards at the end of the year. 0

16. Previous year’s fi gures have been regrouped /rearranged wherever considered necessary.

U C Majumder & Co.



Place : Guwahati

Date : 30.05.2013

S. Bhowmick

Partner





Director Director

S SSSS Si h

A Ch k b


518th A N N U A L R E P O R T, 2 0 1 2 - 1 3

CRAR STATUS AS ON 31-03-2013

PRUDENTIAL NORMS

Statement of Capital Funds, Risk Assets/ Exposures and Risk Asset Ratio.

Part A - Capital Funds and Risk Assets Ratio.

I Capital Funds Amount ` in lakhs

A Tier I Capital elements

(a) Paid up Capital 400.00

(b) Share Capital Deposit 8563.25

Less : Intangible assets and losses

(c) Reserve & Surplus

1. Statutory reserve 3835.02

2. Capital reserve 1658.28

3. Other reserves 14709.74

4. Surplus in profi t & Loss Account * 0.00

Total of Tier I Capital 29166.29

Notes: Capital reserves representing surplus on sale of assets and held in separate

account will be included.

Revaluation reserve, general / fl oating provisions and specifi c provisions made for

loan losses and other asset losses or diminution in the value of any assets will not be

reckoned as Capital funds (Deferred Tax assets) etc.

0

* Any surplus (net) in profi t and loss account i.e. balance after appropriation towards

dividend payable, education fund, other funds whose utilisation is defi ned and asset

loss if any,

B Tier II Capital elements.

(I) Undisclosed reserves 0

(ii) Revaluation reserves 0

(iii) General provisions and loss reserves

(iv) Investment Fluctuation Reserves / Funds 2540.53

Total Tier II Capital 2540.53

C Grand Total (A+B) 31706.82

II Risk Assets

(a) Adjusted value of funded risk assets I.e. Balance Sheet items ( to tally with Part 'B') 260003.63

(b) Adjusted value of non-funded and off-Balance Sheet items ( to tally with Part 'C') 264.43

( c) Total risk-weighted assets (a+b) 260268.06

II Percentage of capital funds to risk-weighted assets (I:II ) 12.18

U C Majumder & Co.

Chartered Accountants Place : Guwahati Firm Regd. No.304066EDate : 30.05.2013

S. Bhowmick

Partner


irm Regd. No.304066E

S Bhowmick




Director Director

S SS Si h

52 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Part B - Weighted Assets i.e. on-Balance Sheet Items as on 31.03.2013

Amount ` in lakhs

Sl.

No.Asset Item

Book Value

(Net)

Risk weight

(%) @

Risk

Adjusted

Value (4*5)

I. Cash & Bank Balance

a) Cash in hand 7039.44 0 0

b) Balance with Bank in India

i) Balance with RBI 22649.41 0 0

ii) Balance with Banks 0

1. Current A/c 33087.77 20.00 6617.55

2. Other A/c 123163.25 20.00 24632.65

3. Current A/c balance with other RRBs 20.00 0

II. Money at call and Short Notice 20.00 0

III. Investments

a) Government and other approved Securities 130639.90 2.50 3266.00

b) Others (net of depreciation provided) 3020.77 22.50 679.67

IV. LOANS AND ADVANCES (including Bills

purchased discounted and other credit facilities)

a)

Advances guaranteed by Govt. of India (Report only

to the extent of Guarantee cover available. Remaining

amount to be reported against item (w))

0 0

b)

Advances guaranteed by State Govt. (Report only to

the extent of g'tee cover available and if the g'tee is

invoked and remained unpaid to more than 90 days the

same should be shown under column(w))

0 0

c)Loans granted to Public Sector Undertakings of Govt.

of India 0 0

d)Loans granted to Public Sector Undertakings of State

Govt. 0 0

e)Advance against Bills purchased/discounted/

negotiated under LC 0 0

f)Advance against Bills purchased/discounted/

negotiated without LC or LCS under Reserve 0 0

i) To Government 0 0

ii) To Banks/PFI 0 0

iii) To Firm individuals Corporate etc. 0 0

g) Leased Assets 0 0


538th A N N U A L R E P O R T, 2 0 1 2 - 1 3

h)

Advances guaranteed by DICGC/ECGC (Report only

to the extent of guarantee cover available, remaining

amount to be reported against item

0 0

i) SSI Advances Guaranteed by Credit G'tee Fund Trust

Small industries (CGTSI) upto guaranteed portion 11953.31 0 0

(uncovered amount to be reported against them(w)

guaranteed portion

j) Advances given to borrower/staff against Term Deposit

LIP,NSC,IVP,KVP where adequate margin is available 0.00 0 0

(The excess amount over limit to be shown under

column (w)

k)

Loans & Advances granted to Staff of Banks which are

fully covered by Superannuation Benefi ts and Mortgage

of Flat/House

6748.71 20.00 1349.74

l)

Housing Loans above ` 30 lakh sanctioned to

individuals (other than staff) against mortgage of

residential housing properties having LTV Ratio equal

to or less than 75% (Note 1) If Restructured under the

category referred in (l) above

0 0

m)

Housing Loans upto `30 lakh sanctioned to individuals

(other than staff) against mortgage of residential

housing properties having LTV Ratio equal to or less

than 75% If Restructured under the category referred in

(m) above

27957.84 50.00 13978.92

n)Consumer Credit including Personal Loans and Credit

Cards23278.67 125.00 29098.34

o) Education loan 480.08 100.00 480.08

p)Loans upto ` 1 Lakh against Gold and Silver

Ornaments 0 0

q) Takeout Finance

i) Unconditional takeover (in the books of lending

institution) 0 0

a)Where full credit risk is assumed by the taking over

institution 0 0

b)Where only partial credit risk is assumed by the

taking over inst. 0 0

i) The amount to be taken over 0 0

ii) The amount not to be taken over 0 0

ii) Conditional takeover (in the books of lending and

taking over institution) 0 0

r) Exposure to Capital Market 0 0

i) Advance against shares to individuals for investments

in different equity, bonds,debentures mutual funds, etc. 0 0

54 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ii) Secured and Unsecured advances to stock Brokers 0 0

s) Fund based exposure to Commercial Real Estate 2582.30 100.00 2582.30

t)Funded liquidity facility for securitisation of standard

asset transactions. 0 0

u) NPA purchased from other Banks 0 0

v) Loans & Advances to NBFC-ND-SI 0 0

w)All other Advances (including remaining portion

of(a),(b),(h),(i)&(j)171819.96 100.00 171819.96

Total Advance 244820.87 219309.34

x) Premises (net of depreciation provided) 114.00 100.00 114.00

y) Furniture & Fixtures (net of depreciation provided) 1280.50 100.00 1280.50

z) i) Other Assets (Intt. Accrued on G.Sec, Adv. Tax/TDS) 15925.85 0 0

ii) All other Assets 4103.92 100.00 4103.92

Total 585845.68 260003.63

Part C - Weighted Non-fund Exposures/Off-Balance Sheet items as on 31.03.2013

Sl.

No.Asset Item

Book Value

(Net)

Risk weight

(%) @

Risk

Adjusted

Value (4*5)

Bank Guarantee 264.43 100.00 264.43

Opening of a new Branch- Inaugural Song by local school students


558th A N N U A L R E P O R T, 2 0 1 2 - 1 3

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56 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

xv.Æx.wÆvx Ã∑§ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ •ÊÒ⁄ ‡ÊÊ‚∑§Ëÿ ∑§ÊÿÊ¸‹ÿ ∑§Ë ‚¢⁄øŸÊ

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E P O R T 2 0 1 2 1 3

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578th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ÁŸº‡Ê∑§Ù¥ ∑§Ê ¬˝ÁÃflºŸ wÆvw-vxˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§ •ÁœÁŸÿ◊-v~|{ ∑§Ë œÊ⁄Ê wÆ ∑§ Ã„Ã ’ŸÊß¸ ªß¸ √ÿflSÕÊ ∑§Ë ‡ÊÃÙZ ◊¥ ÁŸº‡Ê∑§ ◊¢«‹ •àÿ¢Ã ¬˝‚ãŸÃÊ ∑§ ‚ÊÕ ’Ò¥∑§ ∑§Ê •c≈U◊ flÊÁ·¸∑§ ¬˝ÁÃflºŸ, ‹πÊ ¬⁄ËÁˇÊÃ ÃÈ‹Ÿ ¬òÊ, ‹Ê÷-„ÊÁŸ πÊÃ ∑§Ê Áflfl⁄áÊ ÃÕÊ ‹πÊ ¬⁄ËˇÊ∑§Ù¥ ∑§ ¬˝ÁÃflºŸ ∑§ ‚ÊÕ ÁflûÊËÿ •flÁœ v •¬˝Ò‹ wÆvw ‚ xv ◊Êø¸ wÆvx Ã∑§ ∑§ Á‹∞ ¬˝SÃÈÃ ∑§⁄ ⁄„Ê „Ò–

fl·¸ wÆvw-vw ∑§ ∑§Êÿ¸ ÁŸc¬ÊºŸ ∑§Ë ¤Ê‹Á∑§ÿÊ¢ ∑È§‹ √ÿfl‚Êÿ L§.}{yy.}x ∑§⁄UÙ«∏U Ã∑§ ¬„È¢øÊ–

Á¬¿U‹ fl·¸ ∑§ ‚∑§‹ √ÿfl‚Êÿ ∑§ Áfl¬⁄ËÃ vz.zÆ' ∑§Ë flÎÁh º¡¸ ∑§Ë ªß¸–‚∑§‹ √ÿfl‚Êÿ ◊¥ L§.zzxv.xÆ ∑§⁄Ù«U∏ ¡◊Ê ∞fl¢ L§. xvvx.zx ∑§⁄Ù«U∏ ´§áÊ fl •Áª˝◊ ‚ÁÛÊÁ„Ã „Ò–‚∑§‹ ¡◊Ê ∑§ Áfl¬⁄ËÃ flÎÁh vx.w|' ⁄„Ë ¡’Á∑§ ´§áÊ fl •Áª˝◊ ∑§ Áfl¬⁄ËÃ v~.{}' ∑§Ë flÎÁŒ˜œ º¡¸ ∑§Ë ªß¸–’Ò¥∑§ ∑§Ê ª˝Ê„∑§ •ÊœÊ⁄ z Á◊Á‹ÿŸ ¬Ê⁄ ∑§⁄ ªÿÊ– ~' ∑§Ë flÎÁh ¬˝ºÁ‡Ê¸Ã „Èß¸– ß‚ •flÁœ ◊¥ yy}wÆ{ Ÿ∞ πÊÃ (¡◊Ê+´§áÊ) πÙ‹ ª∞–fl·¸ ∑§ ºı⁄ÊŸ w{}yÆÆ ∑§ ‹ˇÿ ∑§ Áfl¬⁄ËÃ xzvw}~ Ÿ∞ ’øÃ πÊÃ πÙ‹ ª∞–‚∑§‹ √ÿfl‚Êÿ ∑§Ë ºÎÁc≈ ‚ ªáÊ‡ÊªÈ«U∏Ë ‡ÊÊπÊ Ÿ L§. zÆÆ.ÆÆ ∑§⁄Ù«U∏ ∑§ √ÿfl‚Êÿ ∑§Ù ¬Ê⁄ Á∑§ÿÊ–Ÿ‹’Ê«U∏Ë, ªÈflÊ„Ê≈Ë fl ¬¢¡Ê’Ê«∏UË ∑§ •ÁÃÁ⁄Q§ øÊ⁄U •ãÿ ‡ÊÊπÊ•Ê¥ »Ò¥§‚Ë ’Ê¡Ê⁄U, ∑§Ê∑§⁄UÊ¤ÊÊ«∏U, ◊Ê⁄UËªÊ¢fl •ÊÒ⁄U œ◊Ê¡Ë Ÿ Ÿ ‚∑§‹ √ÿfl‚Êÿ ∑§Ë ºÎÁc≈ ‚ L§. vÆÆ.ÆÆ ∑§⁄Ù«U∏ ∑§Ë ‚Ë◊Ê ¬Ê⁄U ∑§Ë–‚∑§‹ √ÿfl‚Êÿ ∑§ ‚¢º÷¸ ◊¥ ’Ò¥∑§ ∑§Ë wx ‡ÊÊπÊ∞¢ Á‚‹ø⁄, ◊¢ª‹ŒÒ, ⁄¢UÁªÿÊ, ÇflÊ‹¬Ê«∏UÊ, œÈ’«∏UË, øÊ¢Œ◊Ê⁄UË, œÊ⁄UÊ¬È⁄U, „ÒU‹Ê∑§Ê¢ŒË, ’⁄U¬≈UÊ, ¬Ê∆U‡ÊÊ‹Ê ≈UÊ©UŸ, ©UûÊ⁄U ‹πË◊¬È⁄U, Ã¡¬È⁄U, ŸªÊ¢fl, ªÊ‹ÊÉÊÊ≈U, ‚ÊŸÊß¸ ⁄UÊ«U, ’¢ªÊß¸ªÊ¢fl, ‹Ê‹ªáÊ‡Ê, ‚ÊŸÊ¬È⁄U, ªÊ‚ÊßZªÊ¢fl, Á‡Êfl‚Êª⁄U, ªÊÒ⁄UË¬È⁄U, ¡Ê⁄U„UÊ≈U •ÊÒ⁄U ‚ÈflÊ‹∑È§øË L§.zÆ.ÆÆ ∑§⁄Ù«U∏ ‚ L§.vÆÆ ∑§⁄Ù«U∏ ∑§ √ÿfl‚Êÿ üÊáÊË ‡ÊÊπÊ•Ù¥ ◊¥ „Ò¥– Á¬¿U‹ fl·¸ ∑§ •¢Ã ◊¥ ß‚ üÊáÊË ∑§ •¢Ãª¸Ã wÆ ‡ÊÊπÊ∞¢ ÕË¥– ’Ò¥∑§ ∑§Ë ∑È§‹ ¡◊Ê ◊¥ ◊Ê¢ª ¡◊Ê (∑§Ê‚Ê) ∑§Ê •¢‡Ê xv.Æx.wÆvx Ã∑§ {{.Æz' ⁄„Ê– ¬˝ÁÃ ‡ÊÊπÊ ©à¬Êº∑§ÃÊ L§. wÆ.w} ∑§⁄Ù«U∏ ‚ ’…U∏∑§⁄ L§.wx.vv ∑§⁄Ù«U∏ „Ù ªß¸–¬˝ÁÃ ∑§◊¸øÊ⁄Ë ©à¬Êº∑§ÃÊ L§. y.w} ∑§⁄Ù«U∏ ‚ ’…U∏∑§⁄ L§. y.z~ ∑§⁄Ù«U∏ „Ù ªß¸–¬˝ÊÕÁ◊∑§ÃÊ ˇÊòÊ •Áª˝◊ L§. wv|w.xx ∑§⁄Ù«U∏ ‚ ’…U∏∑§⁄ L§. w{v}.v{ ∑§⁄Ù«U∏ „Ù ª∞– ß‚ ¬˝∑§Ê⁄ wÆ.zw ‘ ‚ •Áœ∑§ ∑§Ë flÎÁh º¡¸ ∑§Ë ªß¸–∑Î§Á· •Áª˝◊ L§. |z|.{v ∑§⁄Ù«U∏ ‚ ’…U∏∑§⁄ L§. vÆ}~.z~ ∑§⁄Ù«U∏ „Ù ª∞– ß‚◊¥ yx.}w' ∑§Ë flÎÁh º¡¸ ∑§Ë ªß¸– fl·¸ ∑§ ºı⁄ÊŸ x|y ‡ÊÊπÊ•Ù¥ mÊ⁄Ê |zw{v Ÿ∞ Á∑§‚ÊŸ ∑˝§Á«≈ ∑§Ê«¸ (∑§‚Ë‚Ë) ¡Ê⁄Ë Á∑§∞ ª∞–fl·¸ ∑§ ºı⁄ÊŸ ~xvx Ÿ∞ Sflÿ¢ ‚„ÊÿÃÊ ‚◊Í„ ¡◊Ê ‚¢’h Á∑§∞ ª∞– xv.Æx.wÆvx Ã∑§ ’Ò¥∑§ mÊ⁄Ê ¡◊Ê ‚¢’h Sflÿ¢ ‚„ÊÿÃÊ ‚◊Í„Ù¥ ∑§Ë ‚∑§‹ ‚¢ÅÿÊ vy||}{ „Ù ªß¸–fl·¸ ∑§ ºı⁄ÊŸ vxwxy Sflÿ¢ ‚„ÊÿÃÊ ‚◊Í„ (∞‚∞ø¡Ë) ‚Êπ ‚¢’h Á∑§∞ ª∞– xv.Æx.wÆvx Ã∑§ ‚Êπ ‚¢’h ∞‚∞ø¡Ë ∑§Ë ∑È§‹ ‚¢ÅÿÊ vw~}~z „Ù ªß¸–fl·¸ ∑§ ºı⁄ÊŸ ||{{ Ÿ∞ ‚Ê◊Êãÿ ‚Êπ ¬G (¡Ë‚Ë‚Ë) ¡Ê⁄Ë „È∞– ß‚ ¬˝∑§Ê⁄ ∑È§‹ ‚Ê◊Êãÿ ‚Êπ ¬òÊÙ¥ ∑§Ë ‚¢ÅÿÊ ’…U∏∑§⁄ {vv|x „Ù ªß¸–’Ò¥∑§ ∑§Ê ‡ÊÈŒ˜œ ∞Ÿ¬Ë∞ SÃ⁄ x.xÆ' ‚ ÉÊ≈∑§⁄ x.Æy' „Ù ªÿÊ–‡ÊÒ«Ù ⁄Á¡S≈⁄ πÊÃ ‚ L§. |y.Æw‹Êπ ∑§Ë ⁄∑§◊ fl‚Í‹ ∑§Ë ªß¸–Á¬¿U‹ fl·¸ ∑§ L§. zy.Æv∑§⁄Ù«U∏ ∑§ Áfl¬⁄ËÃ ’Ò¥∑§ L§.|y.x} ∑§⁄Ù«U∏ ∑§Ê ‡ÊÈh ‹Ê÷ (∑§⁄ ºŸ ∑§ ’Êº) •Á¡¸Ã Á∑§ÿÊ– ß‚◊¥ x|.|w' ∑§Ë flÎÁh º¡¸ ∑§Ë ªß¸– ’Ò¥∑§ ∑§Ë ‚÷Ë ‡ÊÊπÊ•Ê¥ ◊¥ •Ê⁄U≈UË¡Ë∞‚ fl ∞Ÿß¸∞»§≈UË ‚ÈÁflœÊ∞¢ ‡ÊÈM§ ∑§Ë ªßZ– fl·¸ ∑§ ŒÊÒ⁄UÊŸ ’¢ªÊß¸ªÊ¢fl •ÊÒ⁄U ∑§Ê◊M§¬ (◊≈˛UÊ) Á¡‹Ê¥ ◊¥ ŒÊ Ÿ∞ ª˝Ê◊ËáÊ Sfl ⁄UÊ¡ªÊ⁄U ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊŸ (RSETI) SÕÊÁ¬Ã Á∑§∞ ª∞– Ÿ∞ RSETI ∑§ ‚ÊÕ AGVB ¬˝ÊÿÊÁ¡Ã RSETI ∑§Ë ‚¢ÅÿÊ ’…∏U∑§⁄U øÊ⁄U „UÊ ªß¸ „ÒU–»§ÊßŸÊ¢Á‡Êÿ‹ ß¢ÄÀÿÍ¡Ÿ ∑§Êÿ¸∑˝§◊ ∑§ •¢Ãª¸Ã wÆÆÆ •Ê’ÊŒË flÊ‹ }v{ ªÊ¢flÊ¥ ∑§ •ÁÃÁ⁄UÄÃ vÆÆÆ flÊ‹ •Ê’ÊŒË flÊ‹ v~xx ªÊ¢flÊ¥ ◊¥ ’Ò¥Á∑¢§ª ‚flÊ ‡ÊÈM§ ∑§Ë ªß¸ „ÒU–

58 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

‚¢ÁˇÊåÃ ¬Á⁄øÿ¬ÍflÙ¸ûÊ⁄ ˇÊòÊ ∑§ •∑§‹ ¬ÈŸª¸Á∆Ã •Ê⁄•Ê⁄’Ë, •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑§Ë SÕÊ¬ŸÊ vw ¡Ÿfl⁄Ë, wÆÆ{ ∑§Ù •Ê⁄.•Ê⁄.’Ë. •ÁœÁŸÿ◊ v~|{ ∑§Ë œÊ⁄Ê

wx(∞) ∑§ Ã„Ã ¬˝ÊªÖÿÙÁÃ· ªÊ¢flÁ‹ÿÊ ’Ò¥∑§, ∑§¿UÊ⁄ ª˝Ê◊ËáÊ ’Ò¥∑§, ‚ÈflŸÁ‚⁄Ë ªÊ¢flÁ‹ÿÊ ’Ò¥∑§ •ÊÒ⁄ ‹Áπ◊Ë ªÊ¢flÁ‹ÿÊ ’Ò¥∑§ ∑§Ù ∞∑§Ë∑Î§Ã ∑§⁄ „Èß¸ ÕË– ’Ò¥∑§ ∑§Ê ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ¡Ë.∞‚. ⁄Ù«, ÷Ê¢ªÊª…U∏, ªÈflÊ„Ê≈Ë-|}vÆÆz ◊¥ •flÁSÕÃ „Ò– ß‚∑§ ∑§Êÿ¸ ˇÊòÊ ∑§ ºÊÿ⁄ ◊¥ ©¬ÿÈ¸ÄÃ ∞∑§Ë∑Î§Ã ∞fl¢ ¬Ífl¸ øÊ⁄ ª˝Ê◊ËáÊ ’Ò¥∑§Ù¥ ∑§Ê ∑§Êÿ¸ ˇÊòÊ •ÊÃÊ „Ò, Á¡‚◊¥ ⁄ÊÖÿ ∑§ w| ◊¥ ‚ wz Á¡‹ ‚Áê◊Á‹Ã „Ò¥– ∑§fl‹ ºÙ ¬„Ê«U∏Ë Á¡‹ ∑§Ê’Ë¸ •Ê¢Ç‹Ê¢ª ÃÕÊ Á«◊Ê „Ê‚Ê© ß‚∑§ ∑§Êÿ¸ ˇÊòÊ ∑§ ºÊÿ⁄ ‚ ’Ê„⁄ „Ò– •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ Á¡‹Ù¥ ∑§Ë ‚¢ÅÿÊ ∑§ •ÊœÊ⁄ ¬⁄ º‡Ê ∑§Ê ‚’‚ ’«U∏Ê ª˝Ê◊ËáÊ ’Ò¥∑§ „Ò– ’Ò¥∑§ ∑§Ù •Ê⁄’Ë•Êß¸ ∑§Ë •Áœ‚ÍøŸÊ ‚¢ÅÿÊ •Ê⁄¬Ë‚Ë«Ë. ‚Ë•Ê. •Ê⁄•Ê⁄’Ë ‚¢. |yxÆ/Æx.Æz.vÆÆ/wÆÆ}-Æ~ ÁºŸÊ¢∑§ w|.Æv.wÆÆ~ ∑§ ¡Á⁄∞ ‡Ê«KÍÀ« ’Ò¥∑§ ∑§Ê º¡Ê¸ ÁºÿÊ ªÿÊ „Ò– ˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò∑§Ù¥ ∑§ Á‹∞ Ãÿ ©UŒ˜Œ‡ÿÙ¥ ∑§Ê ¬Ê‹Ÿ ÷Ë •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑§Ê ©UŒ˜Œ‡ÿ „ÒU–

•‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑Î§Á·, √ÿÊ¬Ê⁄, ©lÙª ÃÕÊ •ãÿ ©à¬Êº∑§ ªÁÃÁflÁœÿÙ¥, πÊ‚∑§⁄U ‹ÉÊÈ fl ‚Ë◊Ê¢Ã Á∑§‚ÊŸÙ¥, ∑Î§Á·, √ÿÊ¬Ê⁄, ©lÙª ÃÕÊ •ãÿ ©à¬Êº∑§ ªÁÃÁflÁœÿÙ¥, Áfl‡Ê·∑§⁄U ‹ÉÊÈ fl ‚Ë◊Ê¢Ã Á∑§‚ÊŸÙ¥, ∑Î§Á· üÊÁ◊∑§Ù¥, ºSÃ∑§Ê⁄Ù¥ ÃÕÊ ¿UÙ≈ ∆∑§ºÊ⁄Ù¥, Sflÿ¢ ‚„ÊÿÃÊ ‚◊Í„Ù¥ •ÊÁº ∑§Ù §áÊ ©¬‹éœ ∑§⁄Ê∑§⁄ ª˝Ê◊ËáÊ •Õ¸√ÿflSÕÊ ∑§ Áfl∑§Ê‚ ∑§Ù ‚flÊ¸Áœ∑§ ◊„àfl ºÃÊ „Ò– ‚ÊÕ „Ë •Ê⁄•Ê⁄’Ë •ÁœÁŸÿ◊ v~|{ ∑§Ë œÊ⁄Ê v}(w) ∞fl¢ ’Ò¥Á∑¢§ª •ÁœÁŸÿ◊ v~y~ ∑§Ë œÊ⁄Ê {(v) ◊¥ flÁáÊ¸Ã √ÿfl‚Êÿ ÷Ë ∑§⁄ÃÊ „Ò–

’Ò¥∑§ ∑§Ê ‹ˇÿª˝Ê◊ËáÊ •‚◊ ◊¥ ‚’‚ •Áœ∑§ ‡ÊÊπÊ•Ù¥ ∑§ ‚¢¡Ê‹ „ÙŸ ∑§Ë ‚ÈÁflœÊ ∑§Ê ‹Ê÷ ©∆ÊÃ „È∞ ÿ„ „◊Ê⁄Ê ∑§Ã¸√ÿ

•ÊÒ⁄ ºÊÁÿàfl ’Ÿ ¡ÊÃÊ „Ò Á∑§ „◊ ∑Î§Á· ©Uà¬ÊŒÙ¥ ∑§ Á‹∞ ’Ò¥∑§ ∑§Ë ‚ÈÁflœÊ∞¢ ¬˝ºÊŸ ∑§⁄Ã „È∞ ª˝Ê◊ËáÊ ¡ŸÃÊ, ©¬ÁˇÊÃ •ÊÒ⁄ fl¢ÁøÃÙ¥ ∑§Ë ‚flÊ ∑§⁄¥, ÁŸø‹ Ã’∑§ ∑§ ‹ÙªÙ¥ ∑§Ë ◊ºº ∑§⁄¥, ª˝Ê◊ËáÊ ÿÈflÊ•Ù¥ ∑§Ù ⁄Ù¡ªÊ⁄ ◊È„ÒÿÊ ∑§⁄flÊ∞¢ •ÊÒ⁄ ª˝Ê◊ËáÊ •‚◊ ∑§ ‚flÊZªËáÊ Áfl∑§Ê‚ ∑§ Á‹∞ ¬˝ÁÃ’hÃÊ ∑§ ‚ÊÕ ∑§º◊ ©∆Ê∞¢– ’Ò¥∑§ ∑§ ∑§Êÿ¸∑˝§◊Ù¥ ‚ „◊Ê⁄Ë ‚¢S∑Î§ÁÃ ‚ÈºÎ…U∏ „Èß¸ „Ò •ÊÒ⁄ „◊ º‡Ê ∑§ ©ëø üÊáÊË ∑§ ª˝Ê◊ËáÊ ’Ò¥∑§ ∑§Ê º¡Ê¸ „ÊÁ‚‹ ∑§⁄ŸÊ øÊ„Ã „Ò¥, ©à¬Êº ¬˝SÃÈÁÃ, ‚flÊ SÃ⁄ •ÊÒ⁄ ¬‡Êfl⁄ fløŸ’hÃÊ ∑§ •ÕÙZ ◊¥ „◊ ‚fl¸üÊc∆ ◊ÊŸº¢« •ÊÒ⁄ √ÿfl„Ê⁄ ¬˝ºÁ‡Ê¸Ã ∑§⁄ŸÊ

øÊ„Ã „Ò¥– •’ Ã∑§ ¡Ù ÷Ë ‹ˇÿ ¬˝ÊåÃ Á∑§ÿÊ ªÿÊ „Ò ©‚‚ ∑§Ê»§Ë ÖÿÊºÊ •÷Ë •ÊÒ⁄ „ÊÁ‚‹ ∑§⁄ŸÊ „Ò–

’Ò¥∑§ ∑§Ë ºÎÁc≈ÁflûÊËÿ ©àÕÊŸ ∑§ ‚ÊÕ-‚ÊÕ ÉÊ⁄-ÉÊ⁄ ◊¥ ’Ò¥Á∑¢§ª ‚ÊˇÊ⁄ÃÊ ∑§Ê ¬˝øÊ⁄ ∑§⁄ŸÊ •ÊÒ⁄ ∑Î§Á·, ‚Íˇ◊,‹ÉÊÈ ∞fl¢ ◊äÿ◊

©lÙªÙ¥ ∑§ ¡Á⁄∞ •‚◊ ∑§ ‹ÙªÙ¥ ∑§ •ÊÁÕ¸∑§ Áfl∑§Ê‚ ∑§ Á‹∞ ‚≈Ë∑§ ∑§Êÿ¸∑˝§◊ ∑§⁄ŸÊ ÃÊÁ∑§ •Ê⁄•Ê⁄’Ë mÊ⁄Ê ÁŸœÊ¸Á⁄Ã ∑§‚ı≈Ë ¬⁄ π⁄Ê ©Ã⁄Ê ¡Ê ‚∑§ •ÊÒ⁄ ÿ„ ‚‡ÊÄÃ ¡Ëfl¢Ã ∞fl¢ ‚Ê◊ÊÁ¡∑§ M§¬ ‚ ¬˝ÁÃ’h “¡Ÿ Á„ÃÒ·Ë ’Ò¥∑§” ’Ÿ ‚∑¥§–

‚¢ª∆ŸÊà◊∑§ ‚¢⁄øŸÊ’Ò¥∑§ ÃËŸ ¬¢ÁÄÃ’h ‚¢⁄øŸÊ•Ù¥ ◊¥ ∑§Êÿ¸ ∑§⁄ÃÊ „Ò– ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ Æ| ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿ x|y ‡ÊÊπÊ∞¢

ªÈflÊ„Ê≈Ë ◊¥ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ (¡Ë.∞‚.⁄Ù«, ÷Ê¢ªÊª…U∏, ªÈflÊ„Ê≈Ë-z)

‚ÊÃ ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿÙ¥ ◊¥ „Ò¥ —-

v. Ÿ‹’Ê«U∏Ë (¬Ë∞Ÿ‚Ë ⁄Ù«, «Ê∑§ÉÊ⁄ fl Á¡‹Ê — Ÿ‹’Ê«U∏Ë, •‚◊, Á¬Ÿ- |}v xxz {} ‡ÊÊπÊ∞¢

w. ªÙ‹ÊÉÊÊ≈ (∑È§‡Ê‹ ¬Õ, ãÿÍ •◊Ù‹Ê¬^Ë, «Ê∑§ÉÊ⁄ fl Á¡‹Ê — ªÙ‹ÊÉÊÊ≈, •‚◊, Á¬Ÿ- |}z {wv |w ‡ÊÊπÊ∞¢

x. Á‚‹ø⁄ (øı⁄¢ªË, •¢Á’∑§Ê¬^Ë, Á‚‹ø⁄, Á¡‹Ê — ∑§¿UÊ⁄, •‚◊, Á¬Ÿ-|}} ÆÆx yy ‡ÊÊπÊ∞¢

y. ‹πË◊¬È⁄ („ÊÚS¬Ë≈‹ ⁄Ù«, ŸÊÕ¸ ‹πË◊¬È⁄, Á¡‹Ê — ‹πË◊¬È⁄, •‚◊, Á¬Ÿ-|}| ÆÆv z{ ‡ÊÊπÊ∞¢

z. ªÈflÊ„Ê≈Ë (⁄Ê¡ª…U∏ ⁄Ù«U∏, øÊ¢º◊Ê⁄Ë, ªÈflÊ„Ê≈Ë-x, •‚◊, Á¬Ÿ-|}v ÆÆx yÆ ‡ÊÊπÊ∞¢

{. ∑§Ù∑§⁄Ê¤ÊÊ«U∏ (ÕÊŸÊ ⁄Ù«U∏, «Ê∑§ÉÊ⁄ fl Á¡‹Ê — ∑§Ù∑§⁄Ê¤ÊÊ«U∏, •‚◊, Á¬Ÿ- |}x x|Æ y~ ‡ÊÊπÊ∞¢

|. Á«’˝Íª…U∏ (‚Ë•Ê⁄ Á’ÁÀ«¢ª, Á◊‹Ÿ Ÿª⁄U, Á«’˝Íª…U∏, •‚◊, Á¬Ÿ- |}{ ÆÆx yz ‡ÊÊπÊ∞¢


598th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿÙ¥ ∑§ ∑§Êÿ¸ ∑§Ê ˇÊòÊ(∑§) Á¡‹Ê fl üÊáÊËflÊ⁄

∑˝§.‚¢.

ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿ

‚Áê◊Á‹Ã Á¡‹Ù¥ ∑§Ë ‚¢ÅÿÊ

Á¡‹Ê ∑§Ê ŸÊ◊ •ÊÒ⁄ ‡ÊÊπÊ•Ù¥ ∑§Ë ‚¢ÅÿÊ üÊáÊËflÊ⁄ ‡ÊÊπÊ

Á¡‹Ê ‡ÊÊπÊ•Ù¥ ∑§Ë ‚¢ÅÿÊ

√ÿÊ¬Ê⁄ •ÊœÊ⁄ (∑§⁄Ù«U∏ ◊¥)

{.ÆÆ Ã∑§ {.ÆÆ ‚ •Áœ∑§

wÆ.ÆÆ Ã∑§

wÆ.ÆÆ ‚ •Áœ∑§

zÆ.ÆÆ Ã∑§

zÆ.ÆÆ ‚ •Áœ∑§ vÆÆ.ÆÆ

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v. Ÿ‹’Ê«U∏Ë05

v. Ÿ‹’Ê«U∏Ë w. ’ÊÄ‚Ê* x. ’⁄¬≈Ê y. º⁄¢ª z. ©ºÊ‹ªÈ«U∏Ë

17

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v. ªÙ‹ÊÉÊÊ≈ w. ¡Ù⁄„Ê≈ x. ŸªÊ¢fl

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v. ∑§¿UÊ⁄ w. ∑§⁄Ë◊ª¢¡ x. „Ò‹Ê∑§Ê¢ºË

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v. ‹πË◊¬È⁄ w. œ◊Ê¡Ë x. ‡ÊÙÁáÊÃ¬È⁄

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v. ∑§Ê◊M§¬ w. ∑§Ê◊M§¬ (◊≈˛Ù) x. ◊Ù⁄ËªÊ¢fl y. ’ÊÄ‚Ê*

15

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v. ∑§Ù∑§⁄Ê¤ÊÊ«U∏ w. ’¢ªÊß¸ªÊ¢fl x. Áø⁄Ê¢ª y. ÇflÊ‹¬Ê«U∏Ê z. œÈ’«U∏Ë

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v. Á«’˝Íª…∏ w. ÁÃŸ‚ÈÁ∑§ÿÊ x. Á‡Êfl‚Êª⁄

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* ’ÊÄ‚Ê Á¡‹ ∑§Ë ºÙ (Æw) ‡ÊÊπÊ∞¢ ŸÊ©∑§Ê≈Ê •ÊÒ⁄ mÊ⁄∑È§øË ˇÊòÊËÿ§ ∑§ÊÿÊ¸‹ÿ, ªÈflÊ„Ê≈Ë ∑§ ÁŸÿ¢òÊáÊ ◊¥ „Ò¥–

59E P O R T, 22 0 1 2 - 1 3

’Ò¥∑§ ∑§ ∑§Êÿ¸ ˇÊòÊÁ¡‹Ù¥ ∑§Ë ‚’‚ •Áœ∑§ ‚¢ÅÿÊ (wz) Á∑§‚Ë ˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§Ù mÊ⁄UÊ ‚ê¬ÙÁ·Ã’Ò¥∑§ ∑§ ∑§Êÿ¸ ˇÊòÊÁ¡‹Ù¥ ∑§Ë ‚’‚ •Áœ∑§ ‚¢ÅÿÊ (wz) Á∑§‚Ë ˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§Ù mÊ⁄UÊ ‚ê¬ÙÁ·Ã

60 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

(π) ‚¢ÅÿÊ ‚◊Í„flÊ⁄¬ÍflÙ¸ûÊ⁄ ˇÊòÊ ∑§Ê •∑§‹Ê ∞∑§Ë∑Î§Ã ª˝Ê◊ËáÊ ’Ò¥∑§, •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§, •‚◊ ⁄ÊÖÿ ◊¥ ‡ÊÊπÊ Ÿ≈fl∑¸§ ∑§Ë ºÎÁc≈ ‚ ‚’‚ ’«U∏Ê ’Ò¥∑§ „Ò– ‡ÊÊπÊ•Ù¥ ∑§Ë ‚◊Í„flÊ⁄ ‚¢ÅÿÊ ÁŸêŸflÃ „Ò —-

∑˝§.‚¢. Á¡‹Ê ª˝Ê◊ËáÊ •h¸‡Ê„⁄Ë ‡Ê„⁄Ë ∑È§‹v. Ÿ‹’Ê«U∏Ë vy x - v|w. ’ÊÄ‚Ê vw - - vwx. ’⁄¬≈Ê vw z - v|y. ∑§Ê◊M§¬ (◊≈˛Ù) w - ~ vvz. ∑§Ê◊M§¬ vw w v vz{. º⁄¢ª vv w - vx|. ©ºÊ‹ªÈ«U∏Ë ~ w - vv}. ‡ÊÙÁáÊÃ¬È⁄ w| y - xv~. ÇflÊ‹¬Ê«U∏Ê vÆ w - vwvÆ. œÈ’«U∏Ë } z - vxvv. ∑§Ù∑§⁄Ê¤ÊÊ«U∏ | w - ~vw. Áø⁄Ê¢ª z v - {vx. ’¢ªÊß¸ªÊ¢fl | w - ~vy. Á‡Êfl‚Êª⁄ v~ y - wxvz. ¡Ù⁄„Ê≈ vw x w v|v{. ªÙ‹ÊÉÊÊ≈ v} { - wyv|. ŸªÊ¢fl wx } - xvv}. ◊Ù⁄ËªÊ¢fl vv v - vwv~. ∑§¿UÊ⁄ vz - y v~wÆ. „Ò‹Ê∑§Ê¢ºË z x - }wv. ∑§⁄Ë◊ª¢¡ vx y - v|ww. ‹πË◊¬È⁄ vv z - v{wx. œ◊Ê¡Ë { x - Æ~wy. Á«’˝Íª…U∏ } { - vywz. ÁÃŸ‚ÈÁ∑§ÿÊ x z - }

∑È§‹ w}Æ |} v{ x|y

ÁflÁ÷ãŸ ¬Á⁄øÊ‹Ÿ ˇÊòÊÙ¥ ◊¥ ’Ò¥∑§ ∑§ ∑§Êÿ¸ ÁŸc¬ÊºŸ ∑§Ë ∞∑§ ‚¢ÁˇÊåÃ ‚◊ËˇÊÊ ŸËø ¬˝SÃÈÃ ∑§Ë ¡Ê ⁄„Ë „Ò —

‡ÊÊπÊ Ÿ≈Ufl∑¸§ πÈ‹ŸÊ/ ‡ÊÊπÊ ∑§Ê Áfl‹ÿºÙ ¬fl¸ÃËÿ Á¡‹Ù¥ ∑§Ê’Ë¸ •Ê¢Ç‹Ê¢¥ª •ÊÒ⁄ «Ë◊Ê „Ê‚Ê™§ ∑§Ù ¿UÙ«U∏ ‚◊Íø •‚◊ ⁄ÊÖÿ ◊¥ ’Ò¥∑§ ∑§Ë ‡ÊÊπÊ∞¢ »Ò§‹Ë „Ò¥– ◊Êø¸ wÆvx ∑§ •¢Ã Ã∑§ ⁄ÊÖÿ ∑§ w| ◊¥ ‚ wz Á¡‹Ù¥ ◊¥ ’Ò¥∑§ ∑§Ë x|y ‡ÊÊπÊ∞¢ SÕÊÁ¬Ã „Ù øÈ∑§Ë „Ò– ßŸ ‡ÊÊπÊ•Ù¥ ∑§Ù ‡Ê„⁄Ë-v{, •h‡Ê„⁄Ë-|} •ÊÒ⁄ ª˝Ê◊ËáÊ-w}Æ ◊¥ ’Ê¢≈Ê ªÿÊ „Ò–

Á⁄¬ÙÁ≈Zª •flÁœ ◊¥, ‡ÊÊπÊ ÁflSÃÊ⁄ ∑§Êÿ¸∑˝§◊ ∑§ •¢Ãª¸Ã, ’Ò¥∑§ Ÿ Æz (¬Ê¢ø) Ÿß¸ ‡ÊÊπÊ∞¢ πÙ‹Ë– Shifting of Melamati Branch


618th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Ÿß¸ ‡ÊÊπÊ•Ù¥ ∑§Ë ‡ÊÈM§•ÊÃ‡ÊÊπÊ ∑§Ê ŸÊ◊ πÈ‹Ÿ ∑§Ë •flÁœ Á¡‹Ê ¬ÃÊ

ãÿÍ‹Ê⁄UÁ÷≈UÊ v~.Æ~.wÆvw ’⁄U¬≈UÊ ãÿÍ‹Ê⁄UÁ÷≈UÊ, ¬ÊS≈U-∑§Ê∑§Êª⁄UË, Á¡‹Ê-’⁄U¬≈UÊ, Á¬Ÿ-|}vxÆ|

ãÿÍ ◊Ê∑¸§≈U Æ}.Æw.wÆvx Á«U’˝Íª…∏U ∞.∞‚. ⁄UÊ«U, (’Êß¸‹Ÿ-Ÿfl∑§Ã ⁄UÊÿ ∑§Á«UÿÊ ¬Õ), ¬ÊS≈U fl Á¡‹Ê-Á«U’˝Íª…∏U, Á¬Ÿ-|}{ÆÆv

ÃÊ◊È‹¬È⁄U vx.Æw.wÆvx ’ÊÄ‚Ê ÃÊ◊È‹¬È⁄U, ¬ÊS≈U-ÃÊ◊È‹¬È⁄U, Á¡‹Ê-’ÊÄ‚Ê, Á¬Ÿ-|}vx{|

•Ê◊ÊŸË w}.Æx.wÆvx ŸªÊ¢fl ∞∞ø¡Ë „U≈U, ∞Ÿ∞ø-x|, ¬ÊS≈U-•Ê◊ÊŸË, Á¡‹Ê-ŸªÊ¢fl, Á¬Ÿ-|}wvx}

©U¬⁄U ŸÊÁ¡⁄UÊ w}.Æx.wÆvw Á‡Êfl‚Êª⁄U ∑§Ê‹¡ ÃËŸÊ‹Ë, ¬ÊS≈U-ŸÊÁ¡⁄UÊ, Á¡‹Ê-Á‡Êfl‚Êª⁄U, Á¬Ÿ-|}z{}z

‡Êÿ⁄U ¬Í¢¡Ë ∞fl¢ ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Êxv.Æx.wÆvx ∑§Ù éÊÒ¥∑§ ∑§Ë ‡Êÿ⁄U ¬Í¢¡Ë ∞fl¢ ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Ê ∑§Ê ÁflSÃÎÃ Áflfl⁄UáÊ ŸËø ÁŒÿÊ ªÿÊ „ÒU —

(⁄UÊÁ‡Ê „U¡Ê⁄U ◊¥)‡Êÿ⁄ ¬Í¢¡Ë πÊÃ ∑§Ê Áflfl⁄áÊ

‡Êÿ⁄ œÊ⁄∑§ ÁŸª¸◊/ ◊Ê¢ªË ªß¸ øÈ∑§ÃÊ ◊Ê¢ªË ªß¸ Á∑¢§ÃÈ •øÈ∑§ÃÊ÷Ê⁄Ã ‚⁄∑§Ê⁄ wÆÆÆÆ wÆÆÆÆ ‡ÊÍãÿ•‚◊ ‚⁄∑§Ê⁄ {ÆÆÆ {ÆÆÆ ‡ÊÍãÿÿÍŸÊß« ’Ò¥∑§ •Ê»§ ß¢Á«ÿÊv vyÆÆÆ vyÆÆÆ ‡ÊÍãÿ∑È§‹ yÆÆÆÆ yÆÆÆÆ ‡ÊÍãÿ

÷Ê⁄Ã ‚⁄∑§Ê⁄, •‚◊ ‚⁄∑§Ê⁄ •ÊÒ⁄ ÿÍŸÊß≈« ’Ò¥∑§ •Ê»§ ß¢Á«ÿÊ mÊ⁄Ê R§◊‡Ê— zÆ', vz', xz', ∑§ •ŸÈ¬ÊÃ ‚ ¬ÈŸ‚Z⁄øŸÊ ∑§Êÿ¸∑˝§◊ ∑§ Ã„Ã ’Ò¥∑§ ∑§Ù xv.Æx.wÆÆ| Ã∑§ }z{xwz „¡Ê⁄ ∑§Ê ‡Êÿ⁄ ¬Í¢¡Ë ¡◊Ê SflË∑Î§Ã Á∑§ÿÊ ªÿÊ– xv.Æx.wÆÆ| ∑§ ¬‡øÊÃ ’Ò¥∑§ ∑§Ù ∑§Ùß¸ •ÁÃÁ⁄ÄÃ ‡Êÿ⁄ ¬Í¢¡Ë ¡◊Ê Ÿ„Ë¥ Á◊‹Ê– xv.Æx.wÆvw Ã∑§ ’Ò¥∑§ ∑§ SflË∑Î§Ã ’∑§ÊÿÊ ‡Êÿ⁄ ¬Í¢¡Ë ¡◊Ê ‹πÊ ∑§Ê Áflfl⁄áÊ ÁŸêŸflÃ „Ò —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)SflË∑Î§Ã ÃÕÊ •fl◊ÈÄÃ ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Ê ∑§Ê Áflfl⁄UáÊ

éÿı⁄UÊ ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U ¬˝ÊÿÙ¡∑§ ’Ò¥∑§ •‚◊ ‚⁄U∑§Ê⁄U ∑È§‹SflË∑Î§Ã ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Ê yw}v{x w~~|vx vw}yy~ }z{xwz•fl◊ÈÄÃ ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Ê yw}v{x w~~|vx vw}yy~ }z{xwz

¡◊ÊÁ⁄¬ÙÁ≈Zª •flÁœ ∑§ ºı⁄ÊŸ ’Ò¥∑§ •¬Ÿ flÃ¸◊ÊŸ •ÊÒ⁄ Ÿ∞ ª˝Ê„∑§Ù¥ ‚§ L§. {y}vvv} „¡Ê⁄ L§. ∑§Ë •ÁÃÁ⁄ÄÃ ¡◊Ê ⁄ÊÁ‡Ê ‚¢ÉÊÁ≈Ã ∑§⁄ vx.w|' flÎÁh º¡¸ ∑§Ë– ß‚∑§ •ÁÃÁ⁄ÄÃ, ÁflSÃÊ⁄ ∑§ R§◊ ◊¥ ¡◊Ê ‹ÊªÃ ∑§Ù ŸËø ‹ÊŸ ∑§ Á‹∞ ◊Ê¢ª ¡◊Ê ∑§ ‡Êÿ⁄ ∑§Ë flÎÁh ∑§ Á‹∞ ÷Ë ¬˝ÿÊ‚ ¡Ê⁄Ë „Ò– ◊Ê¢ª ¡◊Ê ∑§Ê ‡Êÿ⁄ xv.Æx.wÆvx Ã∑§ {{.Æz.' ⁄„Ê– ÁflûÊËÿ fl·¸ wÆvv-vw •ÊÒ⁄ wÆvw-wÆvx ∑§ Á‹∞ üÊáÊËflÊ⁄ ¡◊Ê ∑§Ë ÃÈ‹ŸÊà◊∑§ ÁSÕÁÃ ŸËø º‡ÊÊ¸ß¸ ªß¸ „Ò—

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

üÊáÊË31.03.2012 31.03.2013

πÊÃ ⁄UÊÁ‡Ê flÎÁh (') πÊÃ ⁄UÊÁ‡Ê flÎÁh (')

v. øÊ‹Í πÊÃÊ 283010 4639874 20.61 262903 3855172 -16.91

w. ’øÃ πÊÃÊ 2975985 29912424 8.21 3507699 32681541 9.26

◊Ê¢ÇÊ ¡◊Ê (v+w) 3258995 34552298 9.72 377062 36536713 5.74

x. ‚ÊflÁœ ¡◊Ê 786853 14279592 16.35 530548 18776295 31.49

∑È§‹ 4045848 48831890 11.58 4301150 5531008 13.27

62 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

∑È§‹ ¡◊Ê ◊¥ øÊ‹Í, ’øÃ •ı⁄U ‚ÊflÁœ ¡◊Ê ∑§Ê ‡Êÿ⁄U ∑˝§◊‡Ê— {.~|', z~.Æ}' •ı⁄U xx.~z' „UÙ ÇÊÿÊ– ÁflªÃ fl·¸ ∑§Ê ¬˝ÁÃ ‡ÊÊπÊ •ı⁄U ¬˝ÁÃ ∑§◊¸øÊ⁄UË ¡◊Ê ÃÕÊ √ÿfl‚Êÿ ÁflªÃ fl·¸ ∑§ ÃÈ‹ŸÊà◊∑§ •Ê¢∑§«∏UÙ¥ ∑§ ‚ÊÕ •Êª Œ‡ÊÊ¸ÿÊ ªÿÊ „ÒU—

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

Áflfl⁄UáÊ31.03.2012 31.03.2013

⁄UÊÁ‡Ê flÎÁh (') ⁄UÊÁ‡Ê flÎÁh(')¬˝ÁÃ ‡ÊÊπÊ ¡◊Ê 132336 9 147896 11.76

¬˝ÁÃ ∑§◊¸øÊ⁄UË ¡◊Ê 27936 11 29359 5.09

¬˝ÁÃ ‡ÊÊπÊ √ÿfl‚Êÿ 202838 14 231145 13.96

¬˝ÁÃ ∑§◊¸øÊ⁄UË √ÿfl‚Êÿ 42819 15 45885 7.16

©UœÊ⁄UÁ⁄U¬ÙÁ≈ZUª flcÊ¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ ŸÊ’Ê«¸U ‚ L§.|}{v{z „U¡Ê⁄U •ı⁄U ∞Ÿ∞‚≈UË∞»§«UË‚Ë ‚ L§. vÆvy}Æ „U¡Ê⁄U ∑§Ê ¬ÈŸÁfl¸ûÊ ¬˝ÊåÃ Á∑§ÿÊ– ß‚ Œı⁄UÊŸ ’Ò¥∑§ mÊ⁄UÊ Á∑§SÃ •âÊflÊ éÿÊ¡ ∑§ ¬ÈŸèÊÈ¸ªÃÊŸ ◊¥ ∑§Ùß¸ ëÊÍ∑§ Ÿ„UË¥ „ÈUß¸– fl·¸ ∑§ Œı⁄UÊŸ ¬˝ÊåÃ ∑È§‹ ¬ÈŸÁfl¸ûÊ ◊¥ ‚ L§¬∞ {{ÆÆÆÆ „U¡Ê⁄U ∞‚≈UË (∞‚∞•Ù) ∑§ Á‹∞ ÁŸ∑§Ê‹ ª∞– xv.Æx.wÆvw ∑§ L§. vxww{xx „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ xv.Æx.wÆvx Ã∑§ L§. vyyyÆyv „U¡Ê⁄U ©UœÊ⁄U ’∑§ÊÿÊ ⁄U„UÊ–

’Ò¥∑§Ù¥ ◊¥ ŸªŒË fl ’∑§ÊÿÊ (∑§) xv.Æx.wÆvx ∑§Ù éÊÒ¥∑§ ∑§ ŸªŒË ⁄Ù∑§«∏U ∑§Ë ÁSÕÁÃ ÁŸêŸflÃ „ÒU —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)Áflfl⁄UáÊ 2011-12 2012-13

fl·¸ ∑§ •¢Ã ◊¥ ŸªŒË ⁄UÙ∑§«∏U 496748 703744

ŸªŒË ⁄UÙ∑§«∏U •ı‚Ã 375034 398755

•ı‚Ã ¡◊Ê ¬⁄U •ı‚Ã ŸªŒË ⁄UÙ∑§«∏U ∑§Ê (') 0.85 0.80

(π) ’Ò¥∑§ ∑§ øÊ‹Í πÊÃ ◊¥ ’∑§ÊÿÊ ⁄UÊÁ‡Ê ÁŸêŸflÃ „ÒU — (⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

Áflfl⁄UáÊ ⁄UÊÁ‡Ê

øÊ‹Í πÊÃÊ ◊¥ ¡◊Ê ⁄UÊÁ‡Ê÷Ê⁄UÃËÿ Á⁄U¡fl¸ éÊÒ¥∑§ 2264941

ÿÍ’Ë•Êß¸ ÃÕÊ •ãÿ éÊÒ¥∑§ 3308777

∑È§‹ 5573718

ÁŸfl‡Êxv.Æx.wÆvx ∑§Ù éÊÒ¥∑§ mÊ⁄UÊ ÁflÁ÷ãŸ ‚⁄U∑§Ê⁄UË ÃÕÊ ‚⁄U∑§Ê⁄U mÊ⁄UÊ •ŸÈ◊ÙÁŒÃ ¬˝ÁÃèÊÍÁÃÿÙ¥ ◊¥ xv.Æx.vw ∑§ wz{}Æxyz „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ w{yyyvv{ „U¡Ê⁄U L§¬∞ ∑§Ê ÁŸfl‡Ê Á∑§ÿÊ ªÿÊ– ÿ„UÊ¢ ©UÀ‹πŸËÿ „ÒU Á∑§ wÆvw-vx ∑§ Á’¡Ÿ‚ å‹ÊŸ ∑§ Ã„UÃ ’Ò¥∑§ ∑§Ê ´§áÊ ∞fl¢ •Áª˝◊ ◊¥ œŸ ∑§Ê ÁŸfl‡Ê ∑§⁄UŸ ¬⁄U ¡Ê⁄U ⁄U„UÊ– ¬Á⁄UáÊÊ◊Ã— ’Ò¥∑§ ∑§ ‹ªÊÃÊ⁄U ¬˝ÿÊ‚ ‚ xv.Æx.vx ◊¥ ÁŸfl‡Ê ∞fl¢ ¡◊Ê ∑§Ê •ŸÈ¬ÊÃ y|.}v' ⁄U„UÊ–ÁflªÃ ÁflûÊËÿ fl·¸ ∑§Ê ∞‚∞‹•Ê⁄U ÃÕÊ ªÒ⁄U ∞‚∞‹•Ê⁄U ÁŸfl‡Ê ∑§Ë ‚¢ÉÊÁ≈UÃ ÃÈ‹ŸÊà◊∑§ ÁSÕÁÃ ŸËëÊ Œ‡ÊÊ¸ß¸ ªß¸ „ÒU– ‚èÊË ÁŸfl‡Ê ÷Ê⁄UÃËÿ Á⁄U¡fl¸ éÊÒ¥∑§ mÊ⁄UÊ ¡Ê⁄UË ÁŒ‡ÊÊ-ÁŸŒ¸‡ÊÙ¥ ∑§ •ŸÈM§¬ Á∑§∞ Ç∞ „Ò¥U —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥) ÁŸfl‡Ê 31.03.2012 ∑§Ù 31.03.2013 ∑§Ù∞‚∞‹•Ê⁄U 13566370 13822051

ªÒ⁄U ∞‹∞‹•Ê⁄U 12114065 12622065

∑È§‹ 25680435 26444116

Á¡‚◊¥, ªÒ⁄U ÁŸc¬ÊŒŸ ÁŸfl‡Ê 3663 3663

ªÒ⁄U-ÁŸc¬ÊŒŸ ÁŸfl‡Ê ∑§ ÁflL§h ¬˝ÊflœÊŸ 3663 3663

Á⁄U¬ÙÁ≈ZUª •flÁœ ∑§ Œı⁄UÊŸ ÁŸfl‡Ê ¬⁄U •ı‚Ã ‹Ê÷ ÁflªÃ fl·¸ ∑§ }.v~' ∑§Ë ÃÈ‹ŸÊ ◊¥ ’…∏U∑§⁄U }.{~' ¬˝ÊåÃ „ÈUß¸–


638th A N N U A L R E P O R T, 2 0 1 2 - 1 3

´§áÊ ÃÕÊ •Áª˝◊ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ •¢Ã ◊¥ ∑È§‹ ´§áÊ ÃâÊÊ •Áª˝◊ ’∑§ÊÿÊ ÁSÕÁÃ ÁflªÃ fl·¸ ∑§ Œı⁄UÊŸ L§. w{Ævz{yz „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ L§. xvvxzw{Æ „U¡Ê⁄U ⁄U„UË–xv.Æx.wÆvx ∑§Ù ∑È§‹ ´§áÊ •ı⁄U •Áª˝◊ ’∑§Ê∞ ◊¥ ¬˝ÊâÊÁ◊∑§ÃÊ ˇÊòÊ ∑§Ê •Áª˝◊ fl ´§áÊ }y.Æ~Ô' ⁄U„UÊ– ÁflÇÊÃ ÁflûÊËÿ fl·¸ xv.Æx.wÆvw ∑§Ë ÃÈ‹ŸÊà◊∑§ ÁSÕÁÃ ∑§ ‚ÊÕ xv.Æx.wÆvx ∑§Ù ´§áÊ ÃÕÊ •Áª˝◊ ’∑§Ê∞ ∑§Ê ◊ŒflÊ⁄U éÿı⁄UÊ ŸËø ÁŒÿÊ ªÿÊ „ÒU —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

•Áª˝◊ ∑§Ë üÊáÊË31.03.2012 31.03.2013

⁄UÊÁ‡Ê ∑È§‹ ´§áÊ ∑§Ê ' ⁄UÊÁ‡Ê ∑È§‹ ´§áÊ ∑§Ê '

¬˝ÊÕÁ◊∑§ÃÊˇÊòÊ

∑Î§Á· fl ∑Î§Á· •ÊœÊÁ⁄UÃ 7576080 29.12 10895913 35

∞‚∞‚•Êß¸/ ∞◊∞‚∞◊ß¸ 7542533 28.99 9471932 30.42

‚flÊ∞¢ ÃÕÊ •ãÿ 3608406 13.87 2832655 9.10

•ÊflÊ‚ ´§áÊ 2996364 11.52 2981158 9.57

∑È§‹ ¬˝ÊâÊÁ◊∑§ÃÊ ˇÊòÊ 21723383 83.50 26181658 84.09

ªÒ⁄U ¬˝ÊÕÁ◊∑§ÃÊ ˇÊòÊ 4292262 16.50 4953602 15.91

∑È§‹ •Áª˝◊ 26015645 100.00 31135260 100.00

∑È§‹ •Áª˝◊ ◊¥ ∑§◊¡Ù⁄U flª¸ ∑§ Á‹∞ 11116135 42.73 12965643 41.64

¬˝ÁÃ ‡ÊÊπÊ •Áª˝◊ 70503 XXX 83249 XXX

¬˝ÁÃ ∑§◊¸øÊ⁄UË •Áª˝◊ 14883 XXX 16526 XXX

flÊÁ·¸∑§ ´§áÊ ÿÙ¡ŸÊ, wÆvw-vx ∑§ Ã„UÃ ∑§Êÿ¸ ÁŸc¬ÊŒŸÁflûÊËÿ flcÊ¸ wÆvx-vx ∑§ Á‹∞ ’Ò¥∑§ ∑§Ê flÊÁcÊ¸∑§ ´§áÊ ÿÙÖÊŸÊ ∑§ Ã„UÃ ∑§Êÿ¸ ÁŸc¬ÊŒŸ ÁŸêŸflÃ ⁄U„UÊ —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

◊Ê¬Œ¢«U ¬˝ÁÃ’hÃÊ ⁄UÊÁ‡Ê ©U¬‹ÁéœÿÊ¢ ⁄UÊÁ‡Ê

(∑§) ∑Î§Á· 6299800 2933253

Á¡‚∑§ Ã„UÃ »§‚‹ ´§áÊ 6177500 1801254

(π) ∞‚∞‚•Êß¸/ ∞◊∞‚∞◊ß¸ 1686400 2127567

(ª) ‚flÊ∞¢ 340000

549609

(ÉÊ) •ãÿ ∑È§‹ 11386200 5610429

´§áÊ ¡◊Ê •ŸÈ¬ÊÃ’Ò¥∑§ ∑§Ê ´§áÊ ¡◊Ê (‚Ë«UË) •ŸÈ¬ÊÃ xv.Æx.wÆvw ∑§ zx.w}' ∑§Ë ÃÈ‹ŸÊ ◊¥ xv.Æx.wÆvx ∑§Ù z{.w~' Ã∑§ ‚ÈœÊ⁄U „ÈU•Ê– ’Ò¥∑§ ∑§ ‚ÃÃ˜Ô ¬˝ÿÊ‚Ù¥ ∑§ ’Êfl¡ÍŒ ‚Ë«UË •ŸÈ¬ÊÃ ◊¥ vz.{z' ∑§Ë flÎÁh „UÙ ‚∑§Ë–

District level Credit Camp at Tinsukia

Economic development in the state through MSME fi nance

64 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

•Êß¸•Ê⁄U∞‚Ë ◊ÊŸŒ¢«U•ÊÁSÃflÇÊË¸∑§⁄UáÊ — •Ê⁄U’Ë•Êß¸ ∑§ ÁŒ‡ÊÊ ÁŸŒ¸‡ÊÙ¥ ∑§ •ŸÈ¬Ê‹Ÿ ◊¥ ’Ò¥∑§ Ÿ •Êß¸•Ê⁄U∞‚Ë ∑§ ÁŸÿ◊Ù¥ ∑§ ◊ÈÃÊÁ’∑§ •¬Ÿ ´§áÊ ∞fl¢ •Áª˝◊ ∑§Ê flÇÊË¸∑§⁄UáÊ Á∑§ÿÊ– Á¬¿U‹ fl·¸ ∑§Ë ÃÈ‹ŸÊ ◊¥ xv.Æx.wÆvx ∑§Ù ÁSÕÁÃ ÁŸêŸflÃ ÕË—

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)•ÊÁSÃ ∑§Ê

¬˝∑§Ê⁄31.03.2012 ∑§Ù 31.03.2013 ∑§Ù

‚È⁄UÁˇÊÃ •‚È⁄UÁˇÊÃ ∑È§‹ ¬˝Ê’œÊŸ ‚È⁄UÁˇÊÃ •‚È⁄UÁˇÊÃ ∑È§‹ ¬˝Ê’œÊŸU◊ÊŸ∑§ 24462967 - 24462967 74887 29230495 Nil 29230496 88312

•fl◊ÊŸ∑§ 631252 - 631252 93578 628393 Nil 628393 93713

‚¢ÁŒÇœ-I 260193 34840 295033 98961 352563 282524 635087 370091

‚¢ÁŒÇœ-II 202824 11858 214682 112203 231377 15324 246701 130844

‚¢ÁŒÇœ-III 384769 15829 400598 400087 329984 54722 384706 384475

„UÊÁŸ •ÁSÃ - 11113 11113 11113 Nil 9877 9877 9877

∑È§‹ 25942005 73640 26015645 790829 30772812 362447 31135260 1077313

ªÒ⁄U ÁŸc¬ÊŒŸ •ÊÁSÃ ¬˝’¢œÁ⁄U¬ÙÁ≈ZUª flcÊ¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ Á¬¿U‹ ÁflûÊËÿ fl·¸ ∑§ L§. xvyvyv „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ L§. ywy|vv „U¡Ê⁄U ∑§Ë ⁄UÊÁ‡Ê ∑§Ë ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ∑§Ë fl‚Í‹Ë ∑§Ë – ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ Œı⁄UÊŸ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ∑§Ë ªÁÃÁflÁœ Á¬¿U‹ fl·¸ ∑§Ë ÃÈ‹ŸÊ ◊¥ ÁŸêŸflÃ „ÒU —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)Áflfl⁄UáÊ 2011-12 2012-13

flcÊ¸ ∑§ ¬˝Ê⁄¢U÷ ◊¥ Çı⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ 1179194 1552678

ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¥ ∑§Ë fl‚Í‹Ë/∑§◊Ë 314141 424711

ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÁSÃÿÙ¥ ◊¥ ÿÙª 687625 776797

ÁflûÊËÿ fl·¸ ∑§ •¢Ã ◊¥¢ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ 1552678 1904764

ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ◊¥ ∑È§‹ ¬˝ÊflœÊŸ 836736 915764

∑È§‹ •Áª˝◊ ∑§Ê ‡ÊÈŒ˜œ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ (¬˝ÁÃ‡ÊÃ ◊¥)

3.30 3.04

¬˝ÁÃ‡ÊÃ ∑§ ◊Ê◊‹ ◊¥¢ ŒÙŸÙ¥ ÁŸ’‹ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ •ı⁄U ‡ÊÈh ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ ∑˝§◊‡Ê— z.~{' ‚ {.vw' •ı⁄U x.xÆ' ‚ x.Æy' „UÙ ÇÊßZ–fl·¸ ∑§ ŒÊÒ⁄UÊŸ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ◊¥ ∑§◊Ë ∑§ Á‹∞ ©U∆UÊ∞ ª∞ ∑§Œ◊—

’Ò¥∑§ Ÿ ‚◊¤ÊıÃÊ ÷ÈªÃÊŸ ∑§ mÊ⁄UÊ ‹¢éÊË •flÁœ ∑§ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¥ ∑§Ù ÉÊ≈UÊŸ ∑§ Á‹∞ ‚◊¤ÊıÃÊ ÷ÈªÃÊŸ ŸËÁÃ ’ŸÊß¸–•Ê⁄¢UÁ÷∑§ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¥/Áfl‡Ê· ©UÀ‹ÁπÃ πÊÃÙ¥ ∑§Ù fl‚Í‹Ë ∑§Ê⁄¸UflÊß¸ ∑§Ù éÊ…∏UÊflÊ ŒŸ ∑§ Á‹∞ •Êfl‡ÿ∑§ ∑§Ê⁄¸UflÊß¸ „UÃÈ ÁøÁã„UÃ Á∑§ÿÊ ªÿÊ–’Ò¥∑§ ∑§ ©UëøÃ◊ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ∑§Ù ‡ÊÊπÊ•Ù¥ ∑§ •ÁÃÁ⁄UÄÃ ‡ÊÊ‚∑§Ëÿ ‡ÊÊπÊ•Ù¥/¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ mÊ⁄UÊ fl‚Í‹Ë ∑§Ù ÃËfl˝ ∑§⁄UŸ ∑§ Á‹∞ ¬˝÷ÊflË ∑§Œ◊ ©U∆UÊ∞ ª∞–’«∏U ¬Ò◊ÊŸ ¬⁄U ∞‚∞•Ê⁄U∞»§∞ß¸∞‚•Êß¸ ‹ÊªÍ ∑§⁄UŸ ∑§ Á‹∞ ∑§Œ◊ ©U∆UÊ∞ ª∞–ªÒU⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ∑§Ë ÁŒ‡ÊÊ ◊¥ éÊÒ¥∑§ Ÿ L§. ~}~ÆÆÆ „U¡Ê⁄U ∑§Ë ⁄UÊÁ‡Ê ∑§Ê ¬ÿÊ¸åÃ ¬˝ÊflœÊŸ ’ŸÊÿÊ, Á¡‚◊¥ Á∑§ èÊÁflcÿ ◊¥ •Ê∑§ÁS◊∑§ ¡M§⁄UÃÙ¥ ∑§ ∑§Ê◊ •Ê∞ªË–‡ÊÊπÊ ¬˝’¢œ∑§Ù¥ ∑§Ù •Áœ∑§ ¡ÊªM§∑§ ∑§⁄UŸ ∑§ Á‹∞ ’Ò¥∑§ Ÿ ©Ÿ ‡ÊÊπÊ•Ù¥ ∑§Ù ‹∑§⁄,U ¡„UÊ¢ ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÊ¢ ÖÿÊŒÊ „ÒU, ªÒ⁄U ÁŸc¬ÊŒŸ •ÊÁSÃ ¬˝’¢œ ¬⁄U ‚ÊÃ ∑§Êÿ¸‡ÊÊ‹Ê∞¢ •ÊÿÙÁ¡Ã ∑§Ë–

¡ÙÁπ◊ ∑§Ù·÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ ∑§Ë mÊ⁄UÊ ÁŸÿÃ •Êÿ ◊ÊãÿÃÊ ∞fl¢ ‚¢¬ÁûÊ flªË¸∑§⁄UáÊ (•Êß¸•Ê⁄U∞‚Ë) ÁŸÿ◊Ù¥ ◊¥ ¬ÿÊ¸åÃ ©U¬Êÿ „UÙŸ ∑§ ∑§Ê⁄UáÊ ’Ò¥∑§ Ÿ ∑§Ùß¸ ¬ÎÕ∑§ ¡ÙÁπ◊ ∑§Ù· Ÿ„UË¥ ÁŸÁ◊¸Ã Á∑§ÿÊ–


658th A N N U A L R E P O R T, 2 0 1 2 - 1 3

fl·¸ ∑§ Œı⁄UÊŸ ´§áÊ ÁflÃ⁄UáÊÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ Á¬¿U‹ ÁflûÊËÿ flcÊ¸ ∑§ L§. |ywyy{} „U¡Ê⁄U (vw{{wy πÊÃÙ¥) ∑§Ë ÃÈ‹ŸÊ ◊¥ L§. |ÆyvzÆ{ „U¡Ê⁄U (~{~v| πÊÃÙ¥) ∑§Ë ∑È§‹ ⁄UÊÁ‡Ê ‚¢ÁflÃÁ⁄UÃ ∑§Ë– ¬˝ÊÕÁ◊∑§ÃÊ ˇÊòÊ ◊¥ ´§áÊ ÁflÃ⁄UáÊ |~.{}' „ÈU•Ê, ¡Ù ª˝Ê◊ËáÊ ˇÊòÊËÿ ’Ò¥∑§Ù¥ ∑§ Á‹∞ Ãÿ ‚Ë◊Ê {Æ' ãÿÍŸÃ◊ ¬˝ÊÕÁ◊∑§ÃÊ ˇÊòÊ ∑§Ù ¬Ê⁄U ∑§⁄U ªÿÊ– ∑Î§Á· ÃÕÊ ‚¢’h ˇÊòÊÊ¥ (∑§‚Ë‚Ë ‚Á„UÃ) ∑§Ù ’Ò¥∑§ Ÿ ÁflªÃ fl·¸ ∑§ Œı⁄UÊŸ L§. w}yx}{z „U¡Ê⁄U ∑§ ◊È∑§Ê’‹ ß‚ fl·¸ L§. w~xxwzx „U¡Ê⁄U ´§áÊ ∑§Ê ‚¢ÁflÃ⁄UáÊ Á∑§ÿÊ– ´§áÊ ÿÙ¡ŸÊ ∑§Ê ÁflSÃÊ⁄U ∑§⁄UŸ ∑§ Á‹∞ ‚÷Ë ‡ÊÊπÊ•Ù¥ Ÿ ‹ª÷ª ¬˝àÿ∑§ ◊„UËŸ ´§áÊ ‚¢ÁflÃ⁄áÊ Á‡ÊÁfl⁄UÙ¥ ∑§Ê •ÊÿÙ¡Ÿ Á∑§ÿÊ– ß‚∑§ •‹ÊflÊ Æx.Æx.wÆvx ∑§Ù ’Ò¥∑§ Ÿ ¡Ë∞◊‚Ë∞ø •ÚUÁ«U≈UÊÁ⁄Uÿ◊ ◊¥ ⁄UÊÖÿ SÃ⁄UËÿ ‚Êπ Á‡ÊÁfl⁄U ∑§Ê •ÊÿÙ¡Ÿ Á∑§ÿÊ– ¬ÍflÙ¸ûÊ⁄U ˇÊòÊ ◊¥ ÿ„U •¬Ÿ •Ê¬ ◊¥ ‚’‚ ’«∏UÊ ⁄UÊÖÿ SÃ⁄UËÿ ‚Êπ Á‡ÊÁfl⁄U ÕÊ, Á¡‚Ÿ ÁflÁ÷ãŸ ˇÊòÊÙ¥ ∑§Ê äÿÊŸ •Ê∑§Á·¸Ã Á∑§ÿÊ– Á‡ÊÁfl⁄U ∑§Ê ©UŒ˜ÉÊÊ≈UŸ ∑§⁄UÃ „ÈU∞ ◊ÈÅÿ◊¢òÊË üÊË ÃL§áÊ ªÙªÙß¸ Ÿ ⁄UÊÖÿ ∑§ ¡M§⁄UÃ◊¢Œ Á∑§‚ÊŸÊ¥ ∞fl¢ ©UlÁ◊ÿÊ¥ ∑§Ê ´§áÊ ©U¬‹éœ ∑§⁄UÊŸ ∑§ Á‹∞ •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑§Ë ¬„U‹ ∑§Ë ‚⁄UÊ„UŸÊ ∑§⁄UÃ „ÈU∞ ©U‚∑§ ‚»§‹ •ÊÒ⁄U ‚◊Îh „UÊŸ ∑§Ë ∑§Ê◊ŸÊ ∑§Ë– ß‚ Á‡ÊÁfl⁄U ◊¥ ª˝Ê„U∑§Ù¥ fl ‡ÊÈ÷Áø¢Ã∑§Ù¥ ∑§Ë •ë¿UË ¬˝ÁÃÁ∑˝§ÿÊ ⁄U„UË– ∑È§‹ |{~{| ‹Ê÷ÊÁãflÃÙ¥ ∑§ ’Ëø yÆxywwz „U¡Ê⁄U ´§áÊ ∑§Ê ÁflÃ⁄UáÊ Á∑§ÿÊ ªÿÊ– wxv}} Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ¡Ê⁄UË ∑§⁄UŸÊ ß‚ Á‡ÊÁfl⁄U ∑§Ê •Ê∑§·¸áÊ ∑§Ê ∑¥§º˝ ⁄U„UÊ–

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ Œı⁄UÊŸ ˇÊòÊflÊ⁄U ´§áÊ ‚¢ÁflÃ⁄UáÊ ÃÕÊ •Áª˝◊ •ı⁄U ÁflªÃ fl·¸ ∑§Ë ÁSÕÁÃ ŸËø Œ‡ÊÊ¸ß¸ ªß¸ „ÒU —

•Áª˝◊ ∑§Ë ∑§ÙÁ≈U2011-12 2012-13

⁄UÊÁ‡Ê ∑È§‹ ´§áÊ ‚¢ÁflÃ⁄UáÊ % ◊¥ ⁄UÊÁ‡Ê

∑È§‹ ´§áÊ‚¢ÁflÃ⁄UáÊ % ◊¥

∑Î§Á· fl ∑Î§Á· •ÊœÊÁ⁄UÃ 2843865 38.30 2933253 41.66

∞‚∞‚•Êß¸/∞◊∞‚∞◊ß¸ 2824390 38.04 2127567 30.21

‚flÊ∞¢ fl •ãÿ 334468 4.50 385993 5.48

•ÊflÊ‚ ´§áÊ 240856 3.24 163616 2.32

∑È§‹ ¬˝ÊâÊÁ◊∑§ÃÊ ˇÊòÊ 6243579 84.09 5610429 79.68

ªÒ⁄U ¬˝ÊÕÁ◊∑§ÃÊ ˇÊòÊ 1180889 15.91 1431077 20.32

∑È§‹ 7424468 100.00 7041506 100.00

∑È§‹ ÁflÃÁ⁄UÃ ´§áÊ ◊¥ ∑§◊ÖÊÙ⁄U Ã’∑§ ∑§ Á‹∞ 2347473 31.62 3008215 42.72

∑§◊¡Ù⁄U Ã’∑§Ù¥ •ı⁄U •¡Ê/•¡¡Ê ‹Ê÷ÊÁâÊ¸ÿÙ¥ ∑§Ë Ã⁄U»§ Áfl‡Ê· äÿÊŸ xv ◊Êø¸ wÆvx Ã∑§ ∑§◊¡Ù⁄U Ã’∑§Ù¥ ∑§Ù ÁŒÿÊ ÇÊÿÊ ´§áÊ L§. vw~{z{yx „U¡Ê⁄U Ã∑§ ’…∏U ªÿÊ, L§. v}y~zÆ} „U¡Ê⁄U ∑§Ë flÎÁh Œ¡¸ ∑§Ë ÇÊß¸– ∑§◊¡Ù⁄U Ã’∑§Ù¥ ∑§ •Áª˝◊ •ı⁄U ∑È§‹ •Áª˝◊ ∑§ ’ËëÊ yv.{y' ∑§Ê •ŸÈ¬ÊÃ ⁄U„UÊ– fl·¸ ∑§ ŒÊÒ⁄UÊŸ Á¬¿U‹ fl·¸ ∑§ wxy|y|x „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ xÆÆÆ}wvz „U¡Ê⁄U ∑§Ê ´§áÊ ‚¢ÁflÃÁ⁄UÃ Á∑§ÿÊ ªÿÊ–

•À¬‚¢Åÿ∑§ ‚◊ÈŒÊÿ ∑§ Á‹∞ ´§áÊwÆvw-vx ∑§ Œı⁄UÊŸ •À¬‚¢Åÿ∑§ ‚◊ÈŒÊÿÙ¥ ∑§ ’Ëø {Æx}yÆ „U¡Ê⁄U ∑§Ê ´§áÊ ÁflÃÁ⁄UÃ Á∑§∞ ª∞– •À¬‚¢Åÿ∑§ ‚◊ÈŒÊÿÙ¥ (’∑§ÊÿÊ •Áª˝◊ L§. zx|yvv~ „U¡Ê⁄U) ∑§ Á‹∞ xv.Æx.wÆvw ∑§ ’∑§ÊÿÊ •Áª˝◊ ◊¥ w|.x|' ∑§Ë flÎÁh „ÈUß¸–

◊Á„U‹Ê ‹Ê÷ÊÁÕ¸ÿÙ¥ ∑§Ë ‚„UÊÿÃÊ’Ò¥∑§ Ÿ ÁflÁ÷ãŸ ¬˝∑§Ê⁄U ∑§ ´§áÊÙ¥ ∑§ •¢Ãª¸Ã •ı⁄U •Áœ∑§ ◊Á„U‹Ê•Ù¥ ∑§Ù ¡Ù«∏UŸ ∑§ Á‹∞ Áfl‡Ê· ∑§Œ◊ ©U∆UÊ∞ „Ò¥U– ◊Á„U‹Ê Áfl∑§Ê‚ ‚‹ Ÿ ¡ÊªM§∑§ÃÊ Á‡ÊÁfl⁄U, Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù ¬˝Ùà‚ÊÁ„UÃ ∑§⁄UŸ „UÃÈ ◊‹ ÃÕÊ ¬˝Œ‡Ê¸ÁŸÿÙ¥ ∑§ •ÊÿÙ¡Ÿ ¬⁄U Áfl‡Ê· äÿÊŸ ÁŒÿÊ– ©U‚∑§ ◊Êäÿ◊ ‚ ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ |y{{ ◊Á„U‹Ê ‹Ê÷ÊÁÕ¸ÿÙ¥ ∑§Ù L§. yzz|z} „U¡Ê⁄U ∑§Ë §áÊ ‚„UÊÿÃÊ ∑§Ê ÁflûÊ ¬Ù·áÊ∑§⁄U ◊ŒŒ ¬„È°UøÊß¸ ªß¸, ¡Ù ’Ò¥∑§ ∑§Ë ∑È§‹ ‚Êπ ∑§Ê {.y|' „ÒU– ß‚ ¬˝∑§Ê⁄U ’Ò¥∑§ Ÿ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ ∑§ ©U‚ ÁŒ‡ÊÊ-ÁŸŒ¸‡Ê ∑§Ê ¬Ê‹Ÿ Á∑§ÿÊ, Á¡‚◊¥ ÿ„U ∑§„UÊ ªÿÊ „ÒU Á∑§ ◊Á„U‹Ê•Ù¥ ∑§Ù ∑È§‹ §áÊ ∑§Ê ãÿÍŸÃ◊ z' §áÊ ¬˝flÊ„U ‚ÈÁŸÁ‡øÃ Á∑§ÿÊ ¡Ê∞– ◊Á„U‹Ê•Ù¥ ∑§Ù ŒË ªß¸ ´§áÊ ∑§Ë ’∑§ÊÿÊ ⁄UÊÁ‡Ê L§. y~v{w|z „U¡Ê⁄U ÃÕÊ ‹Ê÷ÊÁÕ¸ÿÙ¥ ∑§Ë ‚¢ÅÿÊ vvw{y} ⁄U„UË–

66 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

‹ÉÊÈ, ¿UÙ≈U fl ◊äÿ◊ ©U¬∑˝§◊ (∞◊∞‚∞◊ß¸)flÒÁ‡fl∑§ •ÊÁÕ¸∑§ ◊¢ŒË ∑§Ë ⁄UÙ‡ÊŸË ◊¥ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ Ÿ ∞◊∞‚∞◊ß¸ ˇÊòÊ ∑§Ù ’…∏UÊflÊ ŒŸ ¬⁄U Áfl‡Ê· ’‹ ¬˝ŒÊŸ Á∑§ÿÊ „ÒU– ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ Á¬¿U‹ fl·¸ ∑§ wvyy{ πÊÃÙ¥ ∑§ L§. w}wyx~Æ „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ vy}yÆ πÊÃÙ¥ ∑§Ù •Êë¿UÊÁŒÃ ∑§⁄UÃ „ÈU∞ L§. wvw|z{| „¡Ê⁄U ∑§ Ÿ∞ ´§áÊ SflË∑Î§Ã Á∑§∞– ∞◊∞‚∞◊ß¸ ◊¥ ’∑§ÊÿÊ ´§áÊ (L§. ~y|v~xw „U¡Ê⁄U) xv.Æx.wÆvw ∑§Ë ÃÈ‹ŸÊ ◊¥ wz.z}' ∑§Ë ’…∏UÃ Œ¡¸ ∑§Ë–

‹ÉÊÈ ∞fl¢ ¿UÙ≈U ©U¬∑˝§◊ ∑§ Á‹∞ ©œÊ⁄U ªÊ⁄¢U≈UË ÁŸÁœ ãÿÊ‚ (‚Ë¡Ë≈UË∞◊∞‚ß¸)∞◊∞‚∞◊ß¸ ˇÊòÊ ∑§ Á‹∞ Á’ŸÊ •ÁÃÁ⁄UÄÃ ¡◊ÊŸÃU ¬⁄U ’‹ ÁŒ∞ ´§áÊ ÁŸª¸Ã ∑§⁄UŸ ∑§ ŒÎÁc≈U∑§ÙáÊ ‚ ß‚ fl·¸ ’Ò¥∑§ ‚Ë¡Ë≈UË∞◊∞‚ß¸ ÿÙ¡ŸÊ ∑§ •¢Ãª¸Ã L§. zÆÆ~wz „U¡Ê⁄U ∑È§‹ ◊ÍÀÿ ∑§ wÆ}Æ πÊÃ ÁflÃÁ⁄UÃ Á∑§∞– xv.Æx.wÆvx Ã∑§ ‚Ë¡Ë≈UË∞◊∞‚ß¸ ∑§ Ã„UÃ ∑È§‹ z}}{ ´§áÊ πÊÃÙ¥ ◊¥ L§. vÆ{vv~~ „U¡Ê⁄U ⁄U„U–

´§áÊ ∑§Ë fl‚Í‹ËÁ⁄U¬ÙÁ≈ZUª •flÁœ ∑§ Œı⁄UÊŸ ‡ÊÊπÊ•Ù¥/∑§ÊÿÊ¸‹ÿÙ¥/¬˝ÊÿÙ¡∑§ ∞¡¥Á‚ÿÙ¥/SÕÊŸËÿ ¬¢øÊÿÃÙ¥/fl‚Í‹Ë •Á÷∑§ÃÊ¸•Ù¥ •ÊÁŒ ∑§ ‚„UÿÙª ‚ ‚¢ÿÈÄÃ M§¬ ‚ ø‹Ê∞ ª∞ fl‚Í‹Ë •Á÷ÿÊŸÙ¥ ∑§ •‹Êfl zx{ fl‚Í‹Ë Á‡ÊÁfl⁄U •ÊÿÙÁ¡Ã Á∑§∞ ª∞– ß‚∑§ •‹ÊflÊ ¬È⁄UÊŸ ÃÕÊ ◊ÈÁ‡∑§‹ ’∑§ÊÿÙ¥ ∑§Ë fl‚Í‹Ë ∑§ Á‹∞ ‚◊¤ÊıÃÊ ÁŸ¬≈UÊŸ ¬⁄U Áfl‡Ê· ’‹ ÁŒÿÊ ªÿÊ– xv.Æx.wÆvx Ã∑§ ◊Ê¢ª, ‚¢ª˝„U ÃÕÊ ’∑§ÊÿÊ •ı⁄U Áfl‹¢Á’Ã ’∑§Ê∞ ∑§Ê •flÁœ∑§Ê⁄U flªË¸∑§⁄UáÊ ŸËø Œ‡ÊÊ¸ÿÊ ªÿÊ „ÒU — (⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

ˇÊòÊ ◊Ê¢ª fl‚Í‹Ë ’∑§ÊÿÊ fl‚Í‹Ë %∑Î§Á· ˇÊòÊ 1638493 1013626 624867 61.86

ªÒ⁄U ∑Î§Á· ˇÊòÊ 5098753 3914544 1184209 76.77

∑È§‹ 6737246 4928170 1809076 73.15

xv.Æx.wÆvx ∑§Ù Áfl‹¢Á’Ã ’∑§Ê∞ ∑§Ê •flÁœ-flÊ⁄U flªË¸∑§⁄UáÊ ß‚ ¬˝∑§Ê⁄U ⁄U„UÊ — (⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)

•flÁœˇÊòÊ

∑Î§Á· ªÒ⁄U ∑Î§Á· ∑È§‹v fl·¸ ∑§ ŸËø 210438 384534 594972

v ‚ x fl·¸ 179961 330869 510830

x fl·¸ ‚ ™§¬⁄ 234468 468806 703274

∑È§‹ 624867 1184209 1809076

Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„U/‚¢ÿÈÄÃ ŒÊÁÿàfl ‚◊Í„USflÿ¢- ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù ’…∏UÊflÊ •ı⁄U ‚Êπ ‚¢’Œ˜œÃÊ — ÁŸø‹ Ã’∑§ ∑§Ë ª˝Ê◊ËáÊ •Ê’ÊŒË πÊ‚∑§⁄U ◊Á„U‹Ê•Ù¥ ∑§ ‚‡ÊÁÄÃ∑§⁄UáÊ ∑§ Á‹∞ ’Ò¥∑§ ¡Ò‚Ë Áfl∑§Ê‚‡ÊË‹ ‚¢SÕÊ•Ù¥ ∑§ ∞¡¥«U ∑§Ë ‚ÍøË ◊¥ Á◊Ã√ÿÁÿÃÊ ÃÕÊ ´§áÊ ∑§Ë •ÊŒÃ ∑§Ù ‚’‚ ÖÿÊŒÊ ’…∏UÊflÊ ÁŒÿÊ ªÿÊ „ÒU– ß‚‚ ÁflÁ÷ãŸ ‚¢SÕÊ•Ù¥-‚¢ª∆UŸÙ¥ ∑§Ù Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ë •flœÊ⁄UáÊÊ ∑§Ù ’…∏UÊflÊ ŒŸ ∑§Ë ¬˝⁄UáÊÊ Á◊‹Ë „ÒU ÃÕÊ ÃŒŸÈ‚Ê⁄U ßŸ ‚¢SÕÊ•Ù¥ Ÿ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù ¬˝Ùà‚Ê„UŸ ŒŸ ∑§Ë ¬˝Á∑˝§ÿÊ ∑§Ù ¡Ù⁄U-‡ÊÙ⁄U ‚ ø‹ÊÿÊ „ÒU– ß‚∑§ Ã„UÃ ’Ò¥∑§ •¬Ÿ ∑§Êÿ¸ˇÊòÊÙ¥ ◊¥ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§ ¬˝Ùà‚Ê„UŸ •ı⁄U ´§áÊ ‚ ‚¢’¢ÁœÃ ªÁÃÁflÁœÿÙ¥ ◊¥ ‚Á∑˝§ÿ M§¬ ‚ ∑§Êÿ¸ ∑§⁄U ⁄U„UÊ „ÒU– •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ ∑§ ∑§Êÿ¸ˇÊòÊ ◊¥ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù ´§áÊ ŒŸ ‚¢’¢œË ÿÙ¡ŸÊ ∑§Ù ¬˝ÊÕÁ◊∑§ÃÊ ŒË ªß¸–

xv.Æx.wÆvx Ã∑§ ’Ò¥∑§ Ÿ ∑È§‹ vy||}{ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ê ª∆UŸ Á∑§ÿÊ, Á¡Ÿ◊¥ ∑È§‹ vzw}vÆ| ‚ŒSÿ „Ò¥U– ßŸ◊¥ ‚ vw~}~z Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù xv.Æx.wÆvx Ã∑§ L§. zÆw{{wÆ „U¡Ê⁄U ∑§Ë •ŸÈ◊ãÿ ‚Ë◊Ê ∑§ ‚ÊÕ ´§áÊ ‚ê’h Á∑§ÿÊ ªÿÊ „ÒU–

Á⁄U¬ÙÁ≈ZUª •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ mÊ⁄UÊ ~xvx Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ê ª∆UŸ Á∑§ÿÊ ªÿÊ, Á¡Ÿ◊¥ vx~~~w ‚ŒSÿ „Ò¥U– fl·¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ vxwxy Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù L§. |y~~wv „U¡Ê⁄U ∑§Ë ´§áÊ ‚„UÊÿÃÊ ©U¬‹éœ ∑§⁄UÊß¸–

ÁmÃËÿ •ÕflÊ •ŸÈflÃË¸ ’Ê⁄U ∑§ß¸ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ Ÿ ’Ò¥∑§ mÊ⁄UÊ ´§áÊ Á‹ÿÊ •ı⁄U πÈŒ ∑§Ù ◊Êß∑˝§Ù ß¢≈U⁄U¬˝Êß¸¡¡ ∑§ M§¬ ◊¥ SÕÊÁ¬Ã Á∑§ÿÊ •ı⁄U ß‚∑§ mÊ⁄UÊ •ÊÁÕ¸∑§ ‚¢¬Ù·áÊ ∑§ Á‹∞ πÈŒ ∑§ ©Ul◊ ∑§Ë √ÿflSÕÊ „UÃÈ ’«∏U •Ê∑§Ê⁄U ∑§ ´§áÊ ¬ÊŸ ∑§ ÿÙÇÿ „UÙ ª∞–

‚Íˇ◊ ÁflûÊ ∑§ ¬˝ÁÃ ¡ÊªM§∑§ÃÊ ©Uà¬ãŸ ∑§⁄UŸ ∑§ Á‹∞ ª˝Ê◊ËáÊ SÃ⁄U ¬⁄U ∑§Êÿ¸‡ÊÊ‹Ê•Ù¥ •ı⁄U ‚◊Í„U ’Ò∆U∑§Ù¥ ∑§ •ÊÿÙ¡Ÿ Á∑§∞ ª∞– Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§ ©Uà¬ÊŒÙ¥ ∑§ ’Ê¡Ê⁄U ’…∏UÊŸ ∑§ ∑˝§◊ ◊¥ fl·¸ ∑§ Œı⁄UÊŸ Á¡‹Ê/é‹Ê∑§ ◊ÈÅÿÊ‹ÿÙ¥ ¬⁄U ∑§ß¸ ¬˝Œ‡Ê¸ÁŸÿÙ¥ ∞fl¢ ◊‹Ù¥ ∑§ •ÊÿÙ¡Ÿ Á∑§∞ ª∞–

‚¢ÿÈÄÃ ŒÊÁÿàfl ‚◊Í„UÙ¥ ∑§Ù •ÊÁÕ¸∑§ ◊ŒŒ— ÿ„U •flœÊ⁄UáÊÊ ’Ò¥∑§ ◊¥ fl·¸ wÆÆz-Æ{ ∑§ Œı⁄UÊŸ ‡ÊÈM§ ∑§Ë ÇÊß¸– Á⁄U¬Ù≈¸U ∑§Ë •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Á¬¿U‹ fl·¸ ∑§ L§. vw{vww „U¡Ê⁄U ∑§ Áfl¬⁄UËÃ L§. ~~wx{ „U¡Ê⁄U ∑§ ‚Êπ ‚„UÿÙÇÊ ‚Á„UÃ |vw ‚¢ÿÈÄÃ ŒÊÁÿàfl ‚◊Í„UÙ¥ ∑§Ê ª∆UŸ Á∑§ÿÊ– xv.Æx.wÆvx Ã∑§ ∑È§‹ vzv{z ‚¢ÿÈÄÃ ŒÊÁÿàfl ‚◊Í± (¡∞‹¡Ë) {Æ{zÆ ‹Ê÷ÊÁÕ¸ÿÙ¥ ∑§ ‚ÊÕ ÁflûÊ ¬ÙÁ·Ã „ÈU∞–


678th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U (∑§‚Ë‚Ë)÷Ê⁄UÃ ‚⁄U∑§Ê⁄U mÊ⁄UÊ ‹ÊªÍ ∑§Ë ªß¸ Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ÿÙ¡ŸÊ ∑§Ë ‡ÊÈL§•ÊÃ ‚ „UË ª⁄UË’ ÃÕÊ ÁŸëÊ‹ Ã’∑§ ∑§ Á∑§‚ÊŸÙ¥ ∑§Ë ‚◊SÿÊ•Ù¥ ∑§ ÁŸ⁄UÊ∑§⁄UáÊ, Á¡‚◊¥ ¬˝àÿ∑§ »§‚‹ ∑§ ‚◊ÿ ´§áÊ „UÃÈ ’Ò¥∑§ ∑§ ¬Ê‚ ¡ÊŸ, ’Ê⁄U-’Ê⁄U SflË∑Î§Ã ´§áÊ ‚Ë◊Ê ÃÕÊ ´§áÊ •flÁœ ∑§Ù ’…∏ÊŸ ∞fl¢ ’Ê⁄¢U’Ê⁄U ŒSÃÊfl¡Ë∑§⁄UáÊ ∑§Ë ‚◊SÿÊ ∑§Ù ãÿÍŸÃ◊ ∑§⁄UŸ ∑§ Á‹∞ ’Ò¥∑§ Ÿ ©Uà¬ÊŒ∑§ ´§áÊ ∑§ M§¬ ◊¥ Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ¡Ê⁄UË Á∑§∞ „ÒU¢– ’Ò¥∑§ Ÿ ß‚ ÿÙ¡ŸÊ ‚ •Áœ∑§ÊÁœ∑§ Á∑§‚ÊŸÙ¥ ∑§Ù ¡Ù«∏UŸ ∑§Ê •¬ŸÊ ¬˝ÿÊ‚ ¡Ê⁄UË ⁄UπÊ– ÿ„UÊ¢ ÿ„U ©UÀ‹πŸËÿ „ÒU Á∑§ ’„ÈUÃ ‚Ê⁄U ∞‚ Á‡ÊÁˇÊÃ ’⁄UÙ¡ªÊ⁄U Ÿı¡flÊŸÙ¥ ∑§Ù ÷Ë ’Ò¥∑§ Ÿ ◊ÈÅÿœÊ⁄UÊ ∑Î§Á· ∑§Ù ¬‡ÊÊ ∑§ M§¬ ◊¥ •¬ŸÊŸ ∑§ Á‹∞ ◊ŸÊÿÊ, ¡Ù Ÿı∑§⁄UË ¬ÊŸ ∑§ Á‹∞ Œ⁄U-Œ⁄U ÷≈U∑§ ⁄U„U Õ •ı⁄U ¬Á⁄UflÊ⁄U ÃÕÊ ‚◊Ê¡ ∑§ Á‹∞ ◊ŸÙflÒôÊÊÁŸ∑§ øÃÊflŸË ’Ÿ∑§⁄U ©U÷⁄U ⁄U„U Õ– ÿ Ÿı¡flÊŸ •’ ∑Î§·∑§ ‚◊ÈŒÊÿ ∑§Ê Á„US‚Ê ’Ÿ ª∞ „Ò¥U– ∑Î§·∑§ Ä‹’, Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„U ÃÕÊ ‚⁄U∑§Ê⁄UË Áfl∑§Ê‚ Áfl÷Êª ¡Ò‚Ë ‚¢SÕÊ•Ù¥ ∑§Ë ‚Á∑˝§ÿ ÷ÊªËŒÊ⁄UË ∑§ ∑§Ê⁄UáÊ ß‚ ÿÙ¡ŸÊ ∑§Ù ‚»§‹ÃÊ¬Ífl¸∑§ Á∑˝§ÿÊÁãflÃ Á∑§ÿÊ ªÿÊU– flÊÁáÊÁÖÿ∑§ SÃ⁄U ¬⁄U »§‚‹ ©Uà¬ÊŒŸ ∑§ ∑§Ê⁄UáÊ ©Uà¬ÊŒŸ ¬‡øÊÃ ¡Ù⁄UŒÊ⁄U Áfl¬áÊŸ ¬˝ÿÊ‚ ∑§Ê Áfl∑§Ê‚ Á∑§ÿÊ ªÿÊ „ÒU, Á¡‚◊¥ ∑Î§Á· •ÊœÊÁ⁄UÃ ªÁÃÁflÁœÿÙ¥ ◊¥ ÁflflœË∑§⁄UáÊ •ÊÿÊ „ÒU–ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ ∑§ ‚÷Ë ÿÙÇÿ Á∑§‚ÊŸÙ¢ ∑§Ù ∑§‚Ë‚Ë (»§‚‹ ´§áÊ) ∑§ ¡Á⁄U∞ ¡Ù«∏UŸ ∑§Ë ÿÙ¡ŸÊ ’ŸÊß¸ ÃÕÊ •’ Ã∑§ L§. w~zyyzy „U¡Ê⁄U L§¬∞ ´§áÊ ‚Ë◊Ê ∑§Ë§ ◊¢¡Í⁄UË ∑§ ‚ÊÕ |zw{v Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ¡Ê⁄UË Á∑§ÿÊ ªÿÊ– xv.Æx.wÆvx Ã∑§ w}|ÆwÆ Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ∑§ ‚ÊÕ „UË L§. vÆ}~z~vx „U¡Ê⁄U ∑§Ê ’∑§ÊÿÊ ´§áÊ „ÒU– ÁflûÊËÿ fl·¸ wÆvwÆvx ◊¥ ∑È§‹ yw}zyy Á∑§‚ÊŸ ∑˝§Á«U≈U ∑§Ê«¸U ÁflÃÁ⁄UÃ Á∑§∞ ª∞–

∞‚¡Ë∞‚flÊß¸ ÿÙ¡ŸÊ ◊¥ ´§áÊ ÁflÃ⁄áÊ⁄UÊÖÿ ÃÕÊ ∑§ãº˝ ‚⁄U∑§Ê⁄U mÊ⁄UÊ ‚◊ÁÕ¸Ã ª⁄UË’Ë ©Uã◊Í‹Ÿ ∑§Êÿ¸∑˝§◊ ∑§ Á∑˝§ÿÊãflÿŸ ◊¥ ’Ò¥∑§ Ÿ ‚Á∑˝§ÿ ÷ÊªËŒÊ⁄UË ÁŸ÷Êß¸– ∞‚ ¡Ë ∞‚ flÊß¸ ÿÙ¡ŸÊ ∑§ •¢Ãª¸Ã ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ ∑§Ë ªß¸ ¬˝ªÁÃ ŸËø ÃÊÁ‹∑§Ê ◊¥ Œ‡ÊÊ¸ß¸ ªß¸ „ÒU —

(⁄UÊÁ‡Ê „U¡Ê⁄U L§. ◊¥)‚„UÊÿÃÊ ¬˝ÊåÃ ¬Á⁄UflÊ⁄U

πÊÃÙ¥ ∑§Ë ‚¢ÅÿÊ ⁄UÊÁ‡Êfl·¸ ∑§ Œı⁄UÊŸ ‚¢ÁflÃ⁄UáÊ 6729 583584

31-03-2013 ∑§Ù ’∑§ÊÿÊ 28577 1825274

¬˝œÊŸ◊¢òÊË ⁄UÙ¡ªÊ⁄U ‚Î¡Ÿ ∑§Êÿ¸∑˝§◊ (¬Ë∞◊ß¸¡Ë¬Ë)¬˝œÊŸ◊¢òÊË ⁄UÙ¡ªÊ⁄U ‚Î¡Ÿ ∑§Êÿ¸∑˝§◊ (¬Ë∞◊ß¸¡Ë¬Ë) •Áœ∑§ ‚ •Áœ∑§ ⁄UÙ¡ªÊ⁄U ‚ÎÁ¡Ã ∑§⁄UŸ ∑§ ¬˝◊Èπ ©Ug‡ÿ ∑§ ‚ÊÕ ‚¢øÊÁ‹Ã ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U ∑§Ê ∞∑§ •„U◊ ∑§Êÿ¸∑˝§◊ „ÒU– ‚◊ËˇÊÊ •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ ÿÙ¡ŸÊ ∑§ •œËŸ vyxw •ŒŒ ¬˝SÃÊflÙ¥ ∑§Ù SflË∑§Ê⁄U ÃÕÊ ÁŸSÃÊÁ⁄UÃ ∑§⁄U ⁄UÊÖÿ ◊¥ ©U¬‹Áéœ ∑§Ë ŒÎÁc≈U ‚ ‡ÊË·¸ SÕÊŸ ¬˝ÊåÃ Á∑§ÿÊ– ÿ„UÊ¢ ©UÀ‹πŸËÿ „ÒU Á∑§ ¬Ë∞◊ß¸¡Ë¬Ë ∑§Êÿ¸∑˝§◊ ∑§ ∑§ÊÿÊ¸ãflÿŸ „UÃÈ wÆvÆ-vv fl·¸ ∑§ Á‹∞ ’Ò¥∑§ Ÿ ⁄UÊc≈˛UËÿ ¬È⁄US∑§Ê⁄U ¬˝ÊåÃ Á∑§ÿÊ–∑Î§·∑§ Ä‹’⁄UÊÖÿ ◊¥ ∑Î§·∑§ Ä‹’Ù¥ ∑§ ª∆UŸ ◊¥ ’Ò¥∑§ Ÿ ◊„Uàfl¬ÍáÊ¸ ÷ÍÁ◊∑§Ê •ŒÊ ∑§Ë– ∑Î§·∑§ Ä‹’ ∑§Ë •flœÊ⁄UáÊÊ “´§áÊ ∑§ ◊Êäÿ◊ ‚ Áfl∑§Ê‚” Á‚hÊ¢Ã ‚ ¬˝Á⁄UÃ „ÒU •ı⁄U ß‚ Á‚hÊ¢Ã ∑§Ù ª˝Ê◊ËáÊ ∑Î§·∑§Ù¥ ∑§ ’Ëø ¬˝øÊÁ⁄UÃ ∑§⁄UŸÊ ÷Ë „ÒU– ‚¢÷Ê√ÿ ©UœÊ⁄U∑§ÃÊ¸•Ù¥ ◊¥ ∑Î§Á· ´§áÊ ∑§ ‚⁄U‹ ¬˝flÊ„U „UÃÈ ∑Î§·∑§ Ä‹’ ∑§Ù ‚fl¸ª˝Ê„UË ÃÕÊ ¬˝÷ÊflË ◊äÿflÃË¸ ∞¡¥‚Ë ’ŸÊÿÊ ªÿÊ „ÒU– ß‚ äÿÊŸ ◊¥ ⁄UπÃ „ÈU∞ ’Ò¥∑§ Ÿ ß‚ ∑§Êÿ¸∑˝§◊ ∑§Ù ‹ÊªÍ Á∑§ÿÊ •ı⁄U ß‚∑§ Ã„UÃ ÁflÁ÷ãŸ ø⁄UáÊÙ¥ ◊¥ •ë¿UË-πÊ‚Ë ‚¢ÅÿÊ ◊¥ ∑Î§cÊ∑§ Ä‹’ πÙ‹ ª∞, ¡Ù ‚¢’¢ÁœÃ ‡ÊÊπÊ•Ù¥ ∑ ‚„UÿÙª ‚ ‚»§‹ÃÊ¬Ífl¸∑§ ø‹Ê∞ ¡Ê ⁄U„U „Ò¥U– ∑Î§·∑§ Ä‹’Ù¥ ∑§Ë ‚flÊ•Ù¥ ∑§Ù ∑Î§·∑§Ù¥ •ı⁄U ’Ò¥∑§ ∑§ ’Ëø •ë¿U ‚¢’¢œ SÕÊÁ¬Ã ∑§⁄UŸ ◊¥ ÷Ë ©U¬ÿÙª Á∑§ÿÊ ¡Ê ⁄U„UÊ „ÒU– ßŸ ∑Î§·∑§ Ä‹’Ù¥ Ÿ ∑Î§Á· ªÁÃÁflÁœÿÙ¥, ‹ÉÊÈ ÁflûÊ •ÊÁŒ ‚ ‚¢’¢ÁœÃ ∑§ß¸ ∑§Êÿ¸∑˝§◊ ÷Ë •ÊÿÙÁ¡Ã Á∑§∞ „Ò¥U–xv.Æx.wÆvx Ã∑§ ’Ò¥∑§ ∑§ ¬Á⁄UøÊ‹Ÿ ˇÊòÊ ∑§ •¢Ãª¸Ã ∑È§‹ zx} ∑Î§·∑§ Ä‹’ ∑§Êÿ¸⁄UÃ ⁄U„U ÃÕÊ ÿ ’Ò¥∑§ ∑§ ÁflSÃÊ⁄U ‚¢÷Êª ∑§ M§¬ ◊¥ •¬Ÿ •Ê¬∑§Ù SÕÊÁ¬Ã ∑§⁄UŸ ◊¥ ‚»§‹ ⁄U„U „Ò¥U–¡ÊªM§∑§ÃÊ Á‡ÊÁfl⁄UÙ¥ ∑§Ê •ÊÿÙ¡Ÿ‚¢ÿÈÄÃ ‚„UÊÿÃÊ ‚◊Í„U, ¡∞‹¡Ë •ÊÁŒ ¡Ò‚ ‹ÁˇÊÃ ª˝Ê„U∑§ ‚◊Í„U ∑§ ’Ëø ¡ÊªM§∑§ÃÊ ¬ÒŒÊ ∑§⁄UŸ ∑§ Á‹∞ ¡ÊªM§∑§ÃÊ ∞fl¢ •Á÷¬˝⁄UáÊ Á‡ÊÁfl⁄U ∑§Ë ¬˝ÊÕÁ◊∑§ •Êfl‡ÿ∑§ÃÊ „ÒU– ŸÊ’Ê«¸U Ÿ ß‚ ¬˝∑§Ê⁄U ∑§ ¡ÊªM§∑§ÃÊ ∑§Êÿ¸∑˝§◊Ù¥ ∑§ Á‹∞ ÁflÁ÷ãŸ ¬˝ÊM§¬Ù¥ ∑§Ê ‚È¤ÊÊfl ÷Ë ÁŒÿÊ „ÒU •ı⁄U ß‚ ¬˝∑§Ê⁄U ∑§ Á‡ÊÁfl⁄U •ÊÿÙÁ¡Ã ∑§⁄UŸ ∑§ Á‹∞ ÁflûÊËÿ ‚„UÿÙª ÷Ë ÁŒÿÊ „ÒU– Á⁄U¬ÙÁ≈ZUÇÊ flcÊ¸ ∑§ Œı⁄UÊŸ ’Ò¥∑§ ∑§Ë ‡ÊÊπÊ•Ù¢/ ∑§ÊÿÊ¸‹ÿÙ¥ mÊ⁄UÊ {z} ¡ÊªM§∑§ÃÊ Á‡ÊÁfl⁄U/ ª˝Ê„U∑§ Á◊‹Ÿ ‚◊Ê⁄UÙ„U •ÊÿÙÁ¡Ã Á∑§∞ ª∞ ¡’Á∑§ ß‚ ¬˝∑§Ê⁄U ∑§ ∑§ß¸ ¡ÊªM§∑§ÃÊ Á‡ÊÁfl⁄UÙ¥ Ÿ ’Ò¥∑§ ∑§Ù Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§ ÇÊ∆UŸ ◊¥ ◊ŒŒ ∑§Ë– ’Ò¥∑§ mÊ⁄UÊ •ÊÿÙÁ¡Ã ∞‚∞ø¡Ë ’Ò¥∑§ ‚¢’hÃÊ Á‡ÊÁfl⁄U ’Ò¥∑§ ∑§Ù ’„ÈUÃ ‚Ê⁄U ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ∑§Ù ’Ò¥∑§ ´§áÊ ∑§Ë ¡Œ ◊¥ ‹ÊŸ ◊¥ ‚»§‹ ⁄U„– ’Ò¥∑§ Ÿ ∑Î§·∑§ Ä‹’Ù¥ ∑§ ‚„UÿÙª ‚ ∑§‚Ë‚Ë ©UœÊ⁄U∑§ÃÊ¸•Ù¢ ∑§ Á‹∞ •ë¿UË ‚¢ÅÿÊ ◊¥ ©UœÊ⁄U∑§ÃÊ¸ Á‡ÊˇÊáÊ ∑§Êÿ¸∑˝§◊ ÷Ë •ÊÿÙÁ¡Ã Á∑§∞– Banking Awerness Camp under Nalbari Region

68 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ÁflûÊËÿ •¢Ãfl¸‡ÊŸ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U mÊ⁄UÊ ‡ÊÈM§ Á∑§∞ ª∞ ÁflûÊËÿ •¢Ãfl¸‡ÊŸ ∑§Êÿ¸∑˝§◊ ∑§ Ã„UÃ ’Ò¥∑§ Ÿ ‚»§‹ ∑§ÊÿÊ¸ãflÿŸ ∑§ Á‹∞ ∑§ß¸ ∑§Œ◊ ©U∆UÊ∞ „Ò¥U– ‚◊ËˇÊÊ •flÁœ ∑§ ŒÊÒ⁄UÊŸ ’Ò¥∑§ mÊ⁄UÊ ‡ÊÈM§ Á∑§∞ ª∞ ∑§Êÿ¸∑˝§◊ ŸËø ÁŒ∞ ¡Ê ⁄U„U „Ò¥U-

Á’¡Ÿ‚ ∑§Ê⁄US¬Ù¥«¥U≈U ◊Ê«U‹ ∑§ ¡Á⁄U∞ •Êß¸‚Ë≈UË ‚ÙÀÿÍ‡ÊŸ Œ˜flÊ⁄UÊ ’Ò¥Á∑¢§ª ‚flÊ•Ù¥ ∑§Ê ÁflSÃÊ⁄ —÷Ê⁄Ã ‚⁄∑§Ê⁄ ∑§ Áfl ûÊËÿ •¢Ãfl¸‡ÊŸ ∑§Êÿ¸R§◊ ∑§ Ã„Ã ’Ò¥∑§Ù¥ ∑§Ù wÆÆÆ ‚ •Áœ∑§ •Ê’ÊºË ∑§ ªÊ¢flÙ¥ ◊¥¢ ∞∑§ •‹ª ‡ÊÊπÊ •ÕflÊ Á’¡Ÿ‚ ∑§⁄‚¬Ê¢«¥≈ (’Ë‚Ë) ◊Ê«‹ ∑§ ¡Á⁄∞ •Êß¸‚Ë≈Ë ‚ÙÀÿÍ‡ÊŸ ∑§ ßSÃ◊Ê‹ ‚ ’Ò¥∑§ ‚flÊ•Ù¥ ∑§Ê ÁflSÃÊ⁄ ¡M§⁄Ë „Ò– ÃºŸÈ‚Ê⁄, ∞‚∞‹’Ë‚Ë Ÿ ⁄ÊÖÿ ◊¥ ‚¢øÊÁ‹Ã ÁflÁ÷ãŸ ’Ò¥∑§Ù¥ ∑§Ù ∞‚ ªÊ¢fl •Êfl¢Á≈Ã§ ∑§⁄ Áº∞ „Ò¥– •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑§Ù wÆÆÆ •Ê’ÊŒË flÊ‹ ∞‚ }v{ ªÊ¢fl •Êfl¢Á≈Ã „È∞ „Ò¥ •ÊÒ⁄U vÆÆÆ •Ê’ÊŒË flÊ‹ ∞‚ v~xw ªÊ¢fl „Ò¥U ¡„UÊ¢ Á’˝∑§ ÿÊ ◊Ê≈UÊ¸⁄U ‡ÊÊπÊ/•À≈˛UÊ ‹ÉÊÈ ÿÊ Á’¡Ÿ‚ ∑§⁄U‚¬Ê¢«¥U≈U „Ò¥U– ’Ò¥∑§ Ÿ ‡Ê· ªÊ¢flÊ¥ ◊¥ Á’¡Ÿ‚ ∑§⁄U‚¬Ê¥«¥U≈U ∑§ ◊Êäÿ◊ ‚ |w Á’˝∑§ •ÊÒ⁄U ◊Ê≈¸U⁄U ‡ÊÊπÊ•Ê¥, yy •À≈˛UÊ ‹ÉÊÈ ‡ÊÊπÊ•Ê¥ ‚ ’Ò¥Á∑¢§ª ‚flÊ ∑§Ê ÁflSÃÊ⁄U Á∑§ÿÊ „ÒU–

Á’ŸÊ ÃÊ◊¤ÊÊ◊ ∑§ πÊÃÙ¥ ∑§Ù πÙ‹ŸÊ’Ò¥∑§ ∑§Ë ‚÷Ë ‡ÊÊπÊ•Ù¥ Ÿ fl¢ÁøÃ ¬Á⁄UflÊ⁄UÙ¥ ∑§ Á‹∞ Á’ŸÊ ÃÊ◊¤ÊÊ◊ ∑§ (éÊË∞‚éÊË) πÊÃÙ¢ ∑§Ù πÙ‹Ÿ ◊¥ ‚Á∑˝§ÿ ‚„U÷ÊÁªÃÊ ∑§Ë– Á⁄U¬Ù≈¸U ∑§Ë •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ ∑§Ë ‡ÊÊπÊ•Ù¥ mÊ⁄UÊ yzz|Æx ÁéÊŸÊ ÃÊ◊¤ÊÊ◊ ∑§ πÊÃ πÙ‹ ª∞, ¡’Á∑§ Sflÿ¢ ‚„UÊÿÃÊ ‚◊Í„UÙ¥ ‚Á±Ã •ãÿ w}ww{~} ‹ÙªÙ¥ ∑§Ù ∞‚éÊË ∞fl¢ ‚Ë«UË πÊÃÙ¥ ∑§ ◊Êäÿ◊ ‚ ÁflûÊËÿ •¢Ãfl¸‡ÊŸ ‚ •Êë¿UÊÁŒÃ Á∑§ÿÊ ªÿÊ–

‚Ê◊Êãÿ ‚Êπ ¬òÊ (¡Ë‚Ë‚Ë)ÁflûÊËÿ •ãÃfl¸‡ÊŸ ∑§ •¢Ãª¸UÃ ’Ò¥∑§ Ÿ wÆÆ{-Æ| ∑§ Œı⁄UÊŸ ‚Ê◊Êãÿ ‚Êπ ¬òÊ ÿÙ¡ŸÊ ¬˝Ê⁄¢÷ ∑§Ë ÕË, Á¡‚∑§ Ã„UÃ ∑§Ê»§Ë ©Uà‚Ê„U¡Ÿ∑§ ¬Á⁄UáÊÊ◊ ‚Ê◊Ÿ •Ê∞– ÿÙ¡ŸÊ ◊Í‹ M§¬ ‚ ‚◊Ê¡ ∑§ fl¢ÁøÃ üÊáÊË ∑§ ‹ÙÇÊÙ¥ ∑§Ù ¡Á≈U‹ Á‹πÊ-¬…∏UË •ı⁄U ¡◊ÊŸÃ ∑§ ÁéÊŸÊ ´§áÊ ©U¬‹éœ ∑§⁄UÊŸ ∑§ ‹ˇÿ ¬⁄U •ÊœÊÁ⁄UÃ „ÒU– ‚◊ËˇÊÊ ∑§Ë •flÁœ ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ ∑È§‹ ||{{ •ŒŒ ‚Ê◊Êãÿ ‚Êπ ¬òÊ (¡Ë‚Ë‚Ë∞‚) ¡Ê⁄UË Á∑§∞– ÁflûÊËÿ fl·¸ wÆvw-vx •¢Ã Ã∑§ ¡Ê⁄UË „ÈU∞ ∑È§‹ {vv|x ‚¢øÊÿË ¬òÊÙ¥ ∑§Ë ’∑§ÊÿÊ ⁄UÊÁ‡Ê vw|Æ|~y Ã∑§ ¬„È¢Uø ªß¸–

‚Íˇ◊ ’Ë◊Ê —’Ò¥∑§ Ÿ ‹Ê÷ ⁄Á„Ã ª˝Ê„∑§Ù¥ ∑§Ù ‚Íˇ◊ ’Ë◊Ê ºŸ ∑§Ë ¡M§⁄Ë √ÿflSÕÊ ’¡Ê¡ ∞Á‹ÿÊ¢¡ ‹Êß»§ ß¢‡ÿÙ⁄¥‚ ∑¢§¬ŸË Á‹Á◊≈« ∑§ ‚ÊÕ ∑§Ë „Ò– ∞‚∞ø¡Ë, ¡∞‹¡Ë, ◊ÊÁ¡¸Ÿ‹ •ÊÒ⁄ ÷ÍÁ◊„ËŸ üÊÁ◊∑§ •ÊÁº ∑§ ‹ÙªÙ¥ ‚Á„Ã ÁŸêŸ •Êÿ ‚◊Í„ ∑§ √ÿÁ Ã ’„ÈÃ ◊Ê◊Í‹Ë Á∑§‡Ã •ºÊ ∑§⁄ ‚Íˇ◊ ’Ë◊Ê ∑§ ¡Á⁄∞ ’Ë◊Ê ∑§ ‹Ê÷ „ÊÁ‚‹ ∑§⁄ ‚∑§Ã „Ò¥– ‚◊ËˇÊÊ fl·¸ ∑§ ŒÊÒ⁄UÊŸ yy{{~ ‹Ê÷ÊÁãflÃÊ¥ ∑§Ê ‚Íˇ◊ ’Ë◊Ê ¬ÊÁ‹‚Ë ¬˝ŒÊŸ ∑§Ë ªß¸– ‚Íˇ◊ ’Ë◊Ê ÿÊ¡ŸÊ ∑§ Ã„UÃ ~{zÆ} ∑§Ê •Êë¿UÊÁŒÃ Á∑§ÿÊ ªÿÊ „ÒU–ÉÊÊ⁄UÊ•Ê ‚ÊŸÊ¬È⁄U ªÊ¢fl ◊¥ Áfl ûÊËÿ ¬„È¢ø Á‡ÊÁfl⁄ÁflûÊËÿ •¢Ãfl¸‡ÊŸ ¬⁄U ¡ÊªM§∑§ÃÊ fl ¬˝Ùà‚Ê„UŸ ∑§ Á‹∞ Œ‡Ê ÷⁄U ◊¥ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ ÁflûÊËÿ M§¬ ‚ fl¢ÁøÃ ‚ÈŒÍ⁄U ªÊ¢flÙ¥ ◊¥ ÁflûÊËÿ ¬„È¢Uø Á‡ÊÁfl⁄U ∑§Ê •ÊÿÙ¡Ÿ ∑§⁄UÃÊ „ÒU– ß‚Ë ∑§ Ã„UÃ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ Ÿ ww ÁŒ‚¢’⁄U wÆvw ∑§Ù •‚◊ ∑§ Œ⁄¢Uª Á¡‹ ∑§ ÉÊÊ⁄UÊ•Ê ‚ÊŸÊ¬È⁄U ªÊ¢fl ◊¥ ÁflûÊËÿ ¬„È¢Uø Á‡ÊÁfl⁄U ∑§Ê •ÊÿÙ¡Ÿ Á∑§ÿÊ, Á¡‚◊¥ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ ∑§ ∑§Êÿ¸∑§Ê⁄UË ÁŸŒ‡Ê∑§ üÊË «UË.∑§. ◊Ê„¢UÃË Ÿ ‡ÊÊÁ◊‹ „UÙ∑§⁄U ß‚∑§Ë ‡ÊÙ÷Ê ’…∏UÊß¸–÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§, ªÈflÊ„Ê≈UË, •‚◊ ∑§ •Êª˝„ ¬⁄U ’Ò¥∑§ Ÿ ÁflûÊËÿ ¬„È¢Uø Á‡ÊÁfl⁄U ◊¥ •¬Ÿ Á‚¬Ê¤ÊÊ⁄U ∑§Ê‹¡ øÊÒ∑§U ‡ÊÊπÊ ∑§ ◊Êäÿ◊ ‚ Á„US‚Ê Á‹ÿÊ– ªÊ¢fl ◊¥ ∞∑§ •À≈˛UÊ ‹ÉÊÈ ‡ÊÊπÊ ∑§Ê ©UŒ˜ÉÊÊ≈UŸ ◊ÊŸŸËÿ ∑§Êÿ¸∑§Ê⁄UË ÁŸŒ‡Ê∑§, •Ê⁄U’Ë•Êß¸ Ÿ Á∑§ÿÊ– ’Ò¥∑§ Ÿ Á‡ÊÁfl⁄U ◊¥ S≈UÊ‹ ‹ªÊŸ ∑§ •‹ÊflÊ •ÊÒ⁄U SflÊSâÿ Áfl÷Êª ÃÕÊ Œ⁄¢Uª Á¡‹Ê ¬˝‡ÊÊ‚Ÿ ∑§ ‚„UÿÊª ‚ ◊Ê’Êß‹ SflÊSâÿ ¡Ê¢ø Á‡ÊÁfl⁄U ∑§Ê •ÊÿÊ¡Ÿ Á∑§ÿÊ– S◊Ê≈¸U ∑§Ê«¸U ∑§ ¡Á⁄U∞ ’Ò¥∑§ ‹Ÿ-ŒŸ ∑§ Á‹∞ •Êß¸‚Ë≈UË •ÊœÊÁ⁄UÃ åflÊß¢≈U •Ê»§ ‚Áfl¸‚ (¬Ë•Ê∞‚) ∑§Ê©¢U≈⁄U ÷Ë πÊ‹Ê ªÿÊ– Á‡ÊÁfl⁄U ◊¥ ’Ò¥∑§ ∑§ »§ÊßŸ¥Á‡Êÿ‹ ß¢ÄÀÿÍ¡Ÿ å‹ÊŸ ∑§ Ã„UÃ ÉÊÊ⁄UÊ•Ê ‚ÊŸÊ¬È⁄U ªÊ¢fl ÃÕÊ ß‚∑§ •Ê‚-¬Ê‚ ∑§ ÿÊÇÿ ‹ÊªÊ¥ ∑§Ê ’Ò¥Á∑¢Uª ‚ÈÁflœÊ∞¢ ¬˝ŒÊŸ ∑§Ë ªßZ–

ª˝Ê◊ËáÊ Sfl-⁄Ù¡ªÊ⁄ ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊŸ (•Ê⁄∞‚ß¸≈Ë•Êß¸)∑È§‹ •Êfl¢Á≈UÃ ¬Ê¢ø ª˝Ê◊ËáÊ Sfl-⁄UÊ¡ªÊ⁄U ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊŸ ∑§ •ãÃ⁄Uª¸Ã ’Ò¥∑§ Ÿ ‚◊ËˇÊÊ fl·¸ ∑§ ŒÊÒ⁄UÊŸ ŒÊ •ÊÒ⁄U ª˝Ê◊ËáÊ Sfl-⁄UÊ¡ªÊ⁄U ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊŸ (•Ê⁄U∞‚ß¸≈UË•Êß¸) ∑§Ë SÕÊ¬ŸÊ ∑§Ë– Ÿ∞ •Ê⁄U∞‚≈UËß¸ ’¢ªÊß¸ªÊ¢fl •ÊÒ⁄U ∑§Ê◊M§¬ (◊≈˛UÊ) Á¡‹Ê¥ ◊¥ πÊ‹ ª∞– SÕÊŸËÿ ¬˝‡ÊÊ‚Ÿ/«UË•Ê⁄U«UË∞ ∑§ ‚„UÿÊª ‚ Á∑§⁄UÊ∞ ∑§ ¬Á⁄U‚⁄U ◊¥ •Ê⁄U∞‚ß¸≈UË•Êß¸ ‡ÊÈM§ Á∑§∞ ª∞– •Ÿ∑§ ‚◊flÃË¸ ‚¢ª∆UŸÊ¥ ∑§ »Ò§∑§À≈UË ‚„UÿÊª ‚ •Ê⁄U∞‚ß¸≈UË•Êß¸ ◊¥ ÁŸÿÁ◊Ã ∑§ˇÊÊ∞¢ ‡ÊÈM§ ∑§Ë ªßZ– ÃŒÈ¬⁄UÊ¢Ã •Ê⁄U∞‚≈UËß¸•Êß¸ ∑§ Á‹∞ •ŸÈ’¢œ ∑§◊¸øÊ⁄UË (»Ò§∑§À≈UË), ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ •ÊÒ⁄U ∑§ÊÿÊ¸‹ÿ ¬Á⁄UøÊ⁄U∑§ ⁄UπŸ ∑§Ê ÁŸáÊ¸ÿ Á∑§ÿÊ ªÿÊ– ß‚Ë •ŸÈ‚Ê⁄U ª˝Ê◊ËáÊ Áfl∑§Ê‚ ◊¢òÊÊ‹ÿ, ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U ∑§ ÁŒ‡ÊÊ-ÁŸŒ¸‡ÊÊ¥ ∑§ Ã„UÃ ÿÊÇÿ •èÿÁÕ¸ÿÊ¥ ‚ •ÊflŒŸ •Ê◊¢ÁòÊÃ Á∑§∞ ª∞–•Ê⁄U∞‚ß¸≈UË•Êß¸ ∑§ ÷flŸ ÁŸ◊Ê¸áÊ •ÊÁŒ ∑§ Á‹∞ ⁄UÊc≈˛UËÿ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ‚¢SÕÊŸ (∞Ÿ•Êß¸•Ê⁄U«UË) ∑§ ◊Êäÿ◊ ‚ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ◊¢òÊÊ‹ÿ, ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U ‚ ◊¢¡Í⁄U ‚„UÊÿÃÊ L§. y~.ÆÆ ‹Êπ Œ⁄U ‚ ¬˝ÊåÃ „ÈU∞– ¡Ê⁄U„UÊ≈U •ÊÒ⁄U ’¢ªÊß¸ªÊ¢fl ◊¥ •Ê⁄U∞‚ß¸≈UË•Êß¸ ∑§ Á‹∞ v-v ∑§⁄UÊ«∏U ∑§Ë ⁄UÊÁ‡Ê ÁŸœÊ¸Á⁄UÃ ⁄U„UË– ’Ò¥∑§ ¬˝ÊÿÊÁ¡Ã •ãÿ •Ê⁄U∞‚ß¸≈UË•Êß¸ ∑§Ë SÕÊ¬ŸÊ ∑§ Á‹∞ ⁄UÊÖÿ ‚⁄U∑§Ê⁄U mÊ⁄UÊ ÷ÍÁ◊ •Êfl¢Á≈UÃ Á∑§∞ ¡ÊŸ ¬⁄U ◊¢¡Í⁄U ‚„UÊÿÃÊ ∑§ Á‹∞ ŒÊflÊ Á∑§ÿÊ ¡Ê∞ªÊ–ÿ„U ‚¢SÕÊŸ ª⁄UË’Ë ⁄UπÊ ∑§ ŸËø ⁄U„UŸ flÊ‹ ª˝Ê◊ËáÊ ÿÈfl∑§Ù¥ ∑§Ù ’ÊÒÁŒ˜œ∑§ fl ˇÊ◊ÃÊ Áfl∑§Ê‚ ∑§ Á‹∞ ¬˝Á‡ÊˇÊáÊ ∑§Ë ¡M§⁄UÃ ∑§ ’Ê⁄U ◊¥ ’ÃÊ∞ªÊ ÃÊÁ∑§ fl Sfl-⁄UÙ¡ªÊ⁄U ∑§Ë ¬„U‹ ∑§ Á‹∞ πÈŒ ∑§Ù ÃÒÿÊ⁄U ∑§⁄U ‚∑¥§–


698th A N N U A L R E P O R T, 2 0 1 2 - 1 3

•Á¡¸Ã •ÊÿÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ’Ò¥∑§ Ÿ Á¬¿U‹ ÁflûÊËÿ fl·¸ ∑§Ë •Êÿ L§. y|~yyvy „¡Ê⁄ ∑§Ë ÃÈ‹ŸÊ ◊¥ L§. z{yw|w{ •Á¡¸Ã Á∑§∞– •Êÿ ∑§Ê ’«U∏Ê Á„S‚Ê •Áª˝◊ (zz.yz') ¬⁄ éÿÊ¡ ∞fl¢ ÁŸfl‡Ê (x~.z}') ‚ •ÊÿÊ–√ÿÿ ¬˝ÊåÃÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ’Ò¥∑§ Ÿ Á¬¿U‹ ÁflûÊËÿ fl·¸ ∑§ L§. x|Æw}ÆÆ „U¡Ê⁄U ∑§Ë ÃÈ‹ŸÊ ◊¥ ∑È§‹ L§. yw{y|vw „U¡Ê⁄U πø¸ Á∑§∞– ∑È§‹ πø¸ ∑§Ê ◊ÈÅÿ ÷Êª éÿÊ¡ (¡◊Ê ÃÕÊ ©œÊ⁄ ºÙŸÙ¥) ¬⁄U π¡¸ ∑§Ê ¬˝ÁÃ‡ÊÃ {w.wv' ⁄„Ê – ¬Á⁄øÊ‹Ÿ πø¸ xÆ.|{' ÃÕÊ •ãÿ πø¸ ¡Ò‚ Á∑§ ¬˝ÊflœÊŸ •ÊÒ⁄ •Ê∑§ÁS◊∑§ πøÙ¸¥ ◊¥ ∑È§‹ πø¸ ∑§Ê |.Æx' ⁄„Ê–¬Á⁄øÊ‹Ÿ ¬Á⁄áÊÊ◊ÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ’Ò¥∑§ ∑§Ê ¬Á⁄øÊ‹Ÿ ‹Ê÷ Á¬¿U‹ ÁflûÊËÿ fl·¸ ∑§ L§. vÆ~v{vy „¡Ê⁄ ∑§Ë ÃÈ‹ŸÊ ◊¥ ’…U∏∑§⁄ L§. vx|}Ævy „¡Ê⁄ „Ù ªÿÊ– Á¬¿U‹ fl·¸ ∑§Ë ÃÈ‹ŸÊ ◊¥ ¬Á⁄øÊ‹Ÿ ‹Ê÷ ◊¥¢ w{.wy' ∑§Ë flÎÁh „Èß¸– ¬ÿÊ¸åÃ ¬˝ÊflœÊŸ ∑§⁄Ÿ ∑§ ’Êº ‡ÊÈh ‹Ê÷ (∑§⁄ ÷ÈªÃÊŸ ∑§ ¬„U‹) L§. vÆ|}ÆÆx „¡Ê⁄ ∑§Ê ⁄„Ê–ÁflûÊËÿ •ŸÈ¬ÊÃ’Ò¥∑§ ∑§ ◊ÊÁ‚∑§ •ÊÒ‚Ã ¬⁄ ◊ÈÅÿ ÁflûÊËÿ •ŸÈ¬ÊÃ ÁŸêŸ M§¬ ‚ ÁŸ∑§Ê‹Ê ªÿÊ „Ò–

(⁄ÊÁ‡Ê „¡Ê⁄ L§. ◊¥)Áflfl⁄áÊ 2011-12 2012-13

•ÊÒ‚Ã ∑§Êÿ¸‡ÊË‹ ÁŸÁœ 45719351 52111910

ÁflûÊ •Ê◊Œ 9.74 10.29

ÁflûÊËÿ ‹ÊªÃ 5.02 5.10

ÁflûÊËÿ ◊ÊÁ¡¸Ÿ 4.72 5.19

¬Á⁄øÊ‹Ÿ ‹ÊªÃ 3.08 3.09

»È§≈∑§⁄ •Êÿ 0.74 0.54

¬Á⁄øÊ‹Ÿ ‹Ê÷ 2.38 2.64

¡ÙÁπ◊ ‹ÊªÃ 0.68 0.58

∑È§‹ ◊ÊÁ¡¸Ÿ 1.70 2.06

◊ÍÀÿ •¢Ã⁄áÊ ¬˝áÊÊ‹Ë (≈Ë¬Ë∞◊)’Ò¥∑§ Ÿ ◊ÍÀÿ •¢Ã⁄áÊ ¬˝áÊÊ‹Ë ‹ÊªÍ ∑§Ë ÃÕÊ •¢Ã⁄áÊ ¬˝áÊÊ‹Ë ∑§Ê øÊ‹Í º⁄ ÁŸêŸ ¬˝∑§Ê⁄ ‚ „Ò —‡ÊÊπÊ ∑§ÊÿÊ¸‹ÿ ∑§Ù ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ Œ˜flÊ⁄UÊ Œÿ ‚Áé‚«UË/éÿÊ¡ Œ⁄U

(⁄ÊÁ‡Ê „¡Ê⁄ L§. ◊¥)∑˝§.‚¢. Áflflfl⁄áÊ •ŸÈºÊŸ ∑§Ë ⁄ÊÁ‡Ê

v. ’øÃ ’Ò¥∑§ πÊÃÊ ¬⁄ éÿÊ¡ ∑§Ë ⁄ÊÁ‡Ê éÿÊ¡ ∑§Ê vzÆ'w. ‚ÊflÁœ ¡◊Ê ¬⁄ éÿÊ¡ ∑§Ë ⁄ÊÁ‡Ê éÿÊ¡ ∑§Ê vÆÆ'x. ‚Ë«Ë/‚Ë‚Ë/•Ê«Ë/∑§‚Ë‚Ë/∑§ÊÚ‹ Á«¬ÙÁ¡≈ ¬⁄ •ÊÒ‚Ã ¡◊Ê •ÊÒ‚Ã ¡◊Ê ∑§Ê y'y. ÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ªÒ⁄ ÁŸc¬Êº∑§ •ÊÁSÃÿÙ¥ ‚ fl‚Í‹Ë fl‚Í‹Ë ∑§Ê z'z. ÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ‡ÊÒ«Ù ⁄Á¡S≈⁄ ‚ fl‚Í‹Ë fl‚Í‹Ë ∑§Ê vÆ'{. ÁflûÊËÿ fl·¸ ∑§ ºı⁄ÊŸ ‚◊¤ÊıÃÊ ÁŸ¬≈ÊŸ ‚ fl‚Í‹Ë fl‚Í‹Ë ∑§Ê z'|. ¬˝.∑§Ê./•Ê¢.∑§Ê./ˇÊ.∑§Ê. ∑§ •Ê«Ë πÊÃ ∑§Ê •ÊÒ‚Ã ’∑§ÊÿÊ •ÊÒ‚Ã ⁄Ù¡ÊŸÊ ’∑§ÊÿÊ ∑§Ê z'}. ∑§ÊÿÊ¸‹ÿ ¬Á⁄U‚⁄U Á∑§⁄UÊÿÊ (Á‚»¸§ Ÿß¸ ‡ÊÊπÊ•Ê¥ ∑§ Á‹∞) ¬˝Õ◊ fl·¸ vÆÆ', ŒÍ‚⁄U fl·¸ zÆ'~. ß‹Ä≈˛UË∑§ fl ¡Ÿ⁄U≈U⁄U øÊ¡¸ (Á‚»¸§ Ÿß¸ ‡ÊÊπÊ•Ê¥ ∑§ Á‹∞) ¬˝Õ◊ fl·¸ vÆÆ', ŒÍ‚⁄U fl·¸ zÆ'‡ÊÊπÊ ∑§ÊÿÊ¸‹ÿÙ¥ ‚ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ∑§Ù ¬˝ºÿ éÿÊ¡ ∑§Ë º⁄v. •Áª˝◊ ¬⁄ éÿÊ¡ éÿÊ¡ ∑§Ê xÆ'w. •ÊÒ‚Ã ⁄Ù∑§«U∏ ’∑§ÊÿÊ/ ’Ò¥∑§ ’∑§ÊÿÊ •ÊÒ‚Ã ’∑§ÊÿÊ ∑§Ê vÆ'

Executive Director, RBI gracing Bank's stall in the

Financial Outreach Camp at Gharoa Sonapur

70 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

√ÿÊ¬Ê⁄ ÿÙ¡ŸÊ wÆvw-vx ∑§Ë ©¬‹ÁéœÁflûÊËÿ fl·¸ wÆvw-wÆvx ∑§ Á‹∞ ¬˝ÊÿÙ¡∑§ ’Ò¥∑§ ∑§ ‚ÊÕ ÁŸc¬ÊÁºÃ √ÿÊ¬Ê⁄ ÿÙ¡ŸÊ, wÆvw-wÆvx ∑§ ¬˝◊Èπ ◊ÊŸº¢« •ÊÒ⁄ ©Ÿ∑§ Áfl¬⁄ËÃ ©¬‹Áéœ ŸËø Œ‡ÊÊ¸ÿÊ ªÿÊ „Ò — (⁄ÊÁ‡Ê ∑§⁄UÙ«∏U L§. ◊¥)

Áflfl⁄áÊ flûÊËÿ fl·¸ wÆvw-vx Á‹∞ ‚◊¤ÊıÃÊ ôÊÊ¬Ÿ ‹ˇÿ

flûÊËÿ fl·¸ wÆvw-vx ∑§ºı⁄ÊŸ ©¬‹Áéœ

v. ¡◊Ê 5800.00 5531.00

w. ©œÊ⁄ (’∑§ÊÿÊ) 144.40

x. ¨§áÊ ÃÕÊ •Áª˝◊ 3400.00 3113.52

y. ÁŸfl‡Ê 2700.00 2644.41

z. ´§áÊ ¡Ê⁄Ë 900.00 704.15

{. fl‚Í‹Ë(∑§) ◊Ê¢ª 673.72

(π) ‚¢ª˝„áÊ 492.81

(ª) ’∑§ÊÿÊ 180.91

(ÉÊ) fl‚Í‹Ë (¬˝ÁÃ‡ÊÃ) ◊¥ 75.00 73.15

|. ªÒ⁄ ÁŸc¬Êº∑§ ‚¢¬ÁûÊÿÊ¢(∑§) fl·¸ ∑§ ¬˝Ê⁄¢÷ ∑§Ë ÁSÕÁÃ 155.26 155.26

(π) ÃÊ¡Ê flÎÁh, ÿÁº ∑§Ùß¸ „Ù ÃÙ 0.00 77.68

(ª) ∑È§‹ ∑§≈ıÃË 80.34 42.47

(ÉÊ) •¢Ã ∑§Ë ÁSÕÁÃ 74.92 190.47

}. •Êÿ(∑§) •Áª˝◊ ¬⁄U éÿÊ¡ 270.00 312.89

(π) ÁŸfl‡Ê ¬⁄U ¿ÍU≈U 225.00 223.33

(ÇÊ) •ãÿ •Êÿ 30.00 28.04

∑È§‹ 525.00 564.27

~. √ÿÿ(∑§) ¡◊Ê ¬⁄U éÿÊ¡ 215.00 258.25

(π) ©UœÊ⁄U ¬⁄U éÿÊ¡ 10.00 7.06

(ª) S≈UÊ»§ πëÊ¸ 115.00 115.88

(ÉÊ) •ãÿ ‚¢øÊ‹Ÿ πëÊ 45.00 45.28

∑È§‹ 385.00 426.47

vÆ. ‹Ê÷/ŸÈ∑§‚ÊŸ (‚¢øÊ‹Ÿ) 140.00 137.80

(-) ∞Ÿ¬Ë∞ πÊÃÙ¥ ∑§ Á‹∞ ¬˝ÊflœÊŸ41

28.65

(-) •ãÿ ¬˝ÊflœÊŸ 1.35

vv. ‡ÊÈh ‹Ê÷ 99.00 107.80

vw. ◊„ûfl¬ÍáÊ¸ ÁŸc¬Êº∑§ ‚Íø∑§ÁŸfl‡Ê ¬⁄ •ÊÒ‚Ã ‹Ê÷ 8.54 8.69

•Áª˝◊ ¬⁄ •ÊÒ‚Ã ‹Ê÷ 9.00 11.24

¡◊Ê ∑§Ë •ÊÒ‚Ã ‹ÊªÃ 4.03 5.16

∑§Ù· ∑§Ë •ÊÒ‚Ã ‹ÊªÃ 4.06 5.10

‚Ë«Ë •ŸÈ¬ÊÃ 58.62 56.29

¬˝ÁÃ ‡ÊÊπÊ √ÿfl‚Êÿ 23.00 23.11

¬˝ÁÃ ∑§◊¸øÊ⁄Ë √ÿfl‚Êÿ 4.57 4.59


718th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ªÒ⁄-ÁŸÁœ √ÿfl‚Êÿø∑§ fl Á’‹ ©UªÊ„UË ∑§⁄Ÿ ∑§Ë √ÿflSÕÊ, ¬˝ÁÃ÷ÍÁÃ ∑§Ê √ÿÊ¬Ê⁄U, Á«◊Ê¢« «˛Êç≈/ ’Ò¥∑§ ªÊ⁄¢≈Ë/ Áªç≈ ø∑§ ¡Ê⁄Ë ∑§⁄ŸÊ, Á«◊Ê¢« «˛Êç≈/ •ãÿ ’Ò¥∑§Ù¥ ∑§ ∞≈U- ¬Ê⁄ ø∑§ ¡Ê⁄Ë ∑§⁄Ÿ ∑§Ë √ÿflSÕÊ ∑§⁄ŸÊ, ∑§◊Ë‡ÊŸ/ ’Ò¥∑§ ∞‡ÿÙ⁄¥‚ √ÿfl‚Êÿ ∑§ ÁflL§h ⁄U»§⁄U‹ »§Ë, ‹ÊÚ∑§⁄ Á∑§⁄Ê∞ ¬⁄ ºŸÊ ’Ò¥∑§ ∑§Ë ªÒ⁄-ÁŸÁœ •ÊœÊÁ⁄Ã √ÿÊfl‚ÊÁÿ∑§ •Êÿ ∑§ dÙÃ Õ •ÊÒ⁄ ’Ò¥∑§ Ÿ ∑§◊Ë‡ÊŸ, ∞Ä‚ø¥¡, ¬˝ÁÃ÷ÍÁÃ Á’∑˝§Ë ‚ ‹Ê÷ ÃÕÊ ⁄»§⁄‹ »§Ë ∑§ M§¬ ◊¥ Á⁄¬ÙÁ≈Zª •flÁœ ∑§ ºı⁄ÊŸ ÁflªÃ ÁflûÊËÿ fl·¸ ∑§ L§. xx~}}} „¡Ê⁄ ∑§ ÁflL§h L§. w}Æyzx „U¡Ê⁄U •Êÿ •Á¡¸Ã ∑§Ë–

’Ò¥∑§ ÁflÁ÷ãŸ ◊Êäÿ◊Ù¥ ¡Ò‚ Á«◊Ê¢« «˛Êç≈/ ’Ò¥∑§ ªÊ⁄¢≈Ë, ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊ Œ˜flÊ⁄UÊ ‚Êπ-¬òÊ, ¡Ê⁄Ë∑§ÃÊ¸ ‡ÊÊπÊ•Ù¥ ∑§Ë ‚¢ÅÿÊ ’…U∏ÊŸ, Õ«¸ ¬Ê≈Ë¸ ∑§ ©à¬ÊºÙ¥ ¡Ò‚ ’Ò¥∑§ ∞‡ÿÙ⁄¥‚, ∞≈ ¬Ê⁄ ø∑§ •ÊÁº ∑§Ë ∑§◊Ë‡ÊŸ ‚Ê¤ÊŒÊ⁄UË ∑§ •ÊœÊ⁄U ¬⁄U Á’∑˝§Ë/ ¬˝Ùà‚Ê„Ÿ •ÊÁº ‚ •¬Ÿ ªÒ⁄-ÁŸÁœ √ÿfl‚Êÿ ∑§Ù ’…U∏ÊŸ ∑§ Á‹∞ ‹ªÊÃÊ⁄ ∑§Êÿ¸ ∑§⁄ ⁄„Ê „Ò–

’Ò¥∑§ ∞‡ÿÙ⁄¥‚ √ÿfl‚Êÿ’¡Ê¡ ∞‹Êß¢¡ ‹Êß»§ ß¢‡ÿÙ⁄¥‚ ∑¢§¬ŸË Á‹. ∑§ ‚ÊÕ flÃ¸◊ÊŸ ‚◊¤ÊıÃÊ √ÿflSÕÊ ∑§Ù •Êß¸•Ê⁄U«UË∞ ∑§ ‚¢‡ÊÙÁœÃ ÁŒ‡ÊÊ-ÁŸŒ¸‡Ê ∑§ Ã„UÃ ’Ò¥∑§ ∞‡ÿÙ⁄¥U‚ √ÿfl‚Êÿ ∑§Ù ∞∑§ ÁflÃ⁄U∑§ ∑§Ë Ã⁄U„U ’Ò¥∑§ ∑§ ‚ÊÕ ‹ÊªÍ ∑§⁄UŸ ∑§ ∑§Ê¬Ù¸⁄‘U≈U ∞¡¥‚Ë Á«US≈˛UËéÿÍ‡ÊŸ ◊Ê«U‹ ◊¥ ¬Á⁄UflÃ¸Ÿ ∑§⁄U ÁŒÿÊ „ÒU– ’Ò¥∑§ Ÿ •¬Ÿ ¬Ê¢ø •Áœ∑§ÊÁ⁄UÿÙ¥ ∑§Ù ∑§Ê⁄U¬Ù⁄U≈U ß¢‡ÿÙ⁄¥U‚ ∞Ä¡ËÄÿÍÁ≈Ufl/S¬‚Ë»§Êß«U ¬⁄U‚Ÿ ∑§ M§¬ ◊¥ ŸÊÁ◊Ã Á∑§ÿÊ „ÒU–Á⁄U¬Ù≈¸U ∑§Ë •flÁœ ◊¥ ’Ò¥∑§ ∞‡ÿÙ⁄¥U‚ √ÿÊ¬Ê⁄U Ÿ ªÁÃ ¬∑§«∏UË „ÒU– ’Ò∑§ ∑§ ∞‡ÿÙ⁄¥U‚ √ÿfl‚Êÿ ∑§Ê ∑§◊Ë‡ÊŸ •Êÿ xv.Æx.wÆvx Ã∑§ vv}.|z ‹Êπ ⁄U„UÊ–

◊ÊŸfl ‡ÊÁÄÃ ÁŸÿÙ¡Ÿ ÃÕÊ ◊ÊŸfl ‚¢‚ÊœŸxv.Æx.wÆvx Ã∑§ ’Ò¥∑§ ∑§Ë ◊ÊŸfl ‡ÊÁÄÃ ∑§Ë ÁSÕÁÃ (•äÿˇÊ ÃÕÊ ◊„Ê ¬˝’¢œ∑§ ∑§Ù ¿UÙ«U∏∑§⁄, ¡Ù ¬˝flÃ¸∑§ ’Ò¥∑§ ∑§Ë Ã⁄»§ ‚ ¬˝ÁÃÁŸÿÈÁÄÃ ¬⁄ „Ò¥) ÁŸêŸÊŸÈ‚Ê⁄ „Ò —

∑˝§.‚¢. üÊáÊË flÃ¸◊ÊŸ ‡ÊÁÄÃ

1 ‚„UÊÿ∑§ ¬˝’¢œ∑§ 573

2 ¬˝’¢œ∑§ 297

3 flÁ⁄Uc∆U ¬˝’¢œ∑§ 81

4 ◊ÈÅÿ ¬˝’¢œ∑§ 23

∑È§‹ •Áœ∑§Ê⁄UË 974

5 ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈUg‡ÿËÿ) 605

6 ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§/øÊ‹∑§ 305

∑È§‹ 1884

∑§Ê¬Ê¸⁄‘U≈U ‚Ê◊ÊÁ¡∑§ ©UûÊ⁄UŒÊÁÿàfl‚◊ËˇÊÊ fl·¸ ∑§ ŒÊÒ⁄UÊŸ ŸËÁÃÿÊ¥ ∑§ ¬˝ÊflœÊŸ ∑§ •ŸÈ‚Ê⁄U øÈÁŸ¢ŒÊ ˇÊòÊÊ¥ ◊¥ ‚Ê◊ÊÁ¡∑§ ∑§ÀÿÊáÊ ∑§ÊÿÊ¸Z ∑§ Á‹∞ ’Ò¥∑§ ∞¡ËflË’Ë ∑§Ê¬Ê¸⁄‘U≈U ‚Ê‡Ê‹ Á⁄US¬Ê¥Á‚Á’Á‹≈UË »§Ê©¢U«U‡ÊŸ ª∆UŸ ∑§⁄UŸ ∑§Ê ¬˝SÃÊfl Á‹ÿÊ– ∑§Ê¬Ê¸⁄‘U≈U ‚Ê‡Ê‹ Á⁄US¬Ê¥Á‚Á’Á‹≈UË ∑§ Ã„UÃ ’Ò¥∑§ Ÿ ÁflûÊËÿ fl·¸ wÆvx-vy ∑§ Á‹∞ v.ÆÆ ∑§⁄UÊ«∏U L§¬∞ ⁄UπŸ ∑§Ê ¬˝SÃÊfl ⁄UπÊ „ÒU– ÿ„U ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ •¢Ã ◊¥ ’Ò¥∑§ ∑§ ‹Ê÷ ¬⁄U •ÊœÊÁ⁄UÃ „ÒU–

◊ÈÅÿ◊¢òÊË ⁄UÊ„UÃ ∑§Ê· ◊¥ ŒÊŸ’Ò¥∑§ •¬Ÿ ‚Ê◊ÊÁ¡∑§ ©UûÊ⁄UŒÊÁÿàfl fl ‚¢øÊ‹Ÿ ∑§ flÊÃÊfl⁄UáÊ ∑§ ¬˝ÁÃ ‚¡ª „ÒU– œ◊Ê¡Ë •ÊÒ⁄U ‹πË◊¬È⁄U Á¡‹Ê¥ ∑§ ’Ê…∏U ¬ËÁ«∏UÃ ÃÕÊ ÁŸø‹ •‚◊ ∑§ ¡ÊÃËÿ Á„¢U‚Ê ∑§ Á‡Ê∑§Ê⁄U ‹ÊªÊ¥ ∑§ ‚Ê◊Êãÿ ¡ËflŸ SÃ⁄U ∑§Ê ‚ÈœÊ⁄UŸ ∑§ Á‹∞ ‹ªÊÃÊ⁄U •¬ŸË ∑§ÀÿÊáÊ∑§Ê⁄UË ªÁÃÁflÁœÿÊ¢ ø‹Ê ⁄U„UÊ „ÒU– ◊ÊŸŸËÿ ÁŸŒ‡Ê∑§ ◊¢«U‹ ∑§ ÁŸáÊ¸ÿ ∑§ •ŸÈ‚Ê⁄U Ã’ ∑§ øÿ⁄U◊ÒŸ üÊË ‚àÿ ŸÊ⁄UÊÿáÊ ‚Ê„ÍU ∑§ ŸÃÎàfl ◊¥ ∞∑§ ≈UË◊ Ÿ v{.Æ{.wÆvw ∑§Ê •flŒÊŸSflM§¬ ◊ÈÅÿ◊¢òÊË ⁄UÊ„UÃ ∑§Ê· ◊¥ L§. wz,ÆÆ,ÆÆÆ (¬øË‚ ‹Êπ L§¬∞) ∑§Ê ø∑§ ‚ÊÒ¥¬Ê– ß‚ •fl‚⁄U ¬⁄U øÿ⁄U◊ÒŸ ∑§ ‚ÊÕ üÊË ∞‚.¬Ë. Ÿ¢ŒË-•Êß¸∞‚∞, üÊË •¢¡Ÿ ø∑˝Ô§flÃË¸-∞‚Ë∞‚, üÊË ¬Ë.∞‹. Œfl ◊„¢UÃ, ’Ò¥∑§ ∑§ ‚÷Ë ÁŸŒ‡Ê∑§ •ÊÒ⁄U üÊË ⁄UÊ◊∑Î§cáÊ ‡Ê◊Ê¸-◊ÈÅÿ ¬˝’¢œ∑§ (¬Ë ∞¢«U «UË, ‚Ë∞‚ fl fl‚Í‹Ë) ©U¬ÁSÕÃ Õ–

È

Exchange of MoU with Bajaj Allianz General Insurance Co. Ltd.

Joining ceremony of new recruits

72 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ÁŸÿÈÁÄÃ ∞fl¢ ¬˝ÙãŸÁÃ

◊ÊŸfl ‚¢‚ÊœŸ ‚ÈŒÎ…U ’ŸÊŸ ∑§ •Á÷ÿÊŸ ∑§ Ã„UÃ flcÊ¸ wÆvw-vx ∑§ Œı⁄UÊŸ ’Ò¥∑§ Ÿ vv{ ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈU©Ug‡ÿËÿ) •ı⁄U ~~ S∑§‹-v •Áœ∑§Ê⁄UË, vy S∑§‹-w •Áœ∑§Ê⁄UË fl w S∑§‹-x •Áœ∑§Ê⁄UË ÁŸÿÈÄÃ Á∑§∞– ß‚∑§ ¬„U‹ ˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§ (ÁŸÿÈÁÄÃ fl •Áœ∑§ÊÁ⁄UÿÙ¥ ∞fl¢ •ãÿ ∑§Á◊¸ÿÙ¥ ∑§Ë ¬˝ÙãŸÁÃ) ∑§ ¬˝ÊflœÊŸ wÆvÆ ∑§ Ã„UÃ ¬˝flÃ¸∑§ ’Ò¥∑§ ‚ ÖÊM§⁄UË ¬Ífl¸ •ŸÈ◊ÁÃ ‹Ë ªß¸– ß‚∑§ •‹ÊflÊ ÁŸêŸÊ¢Á∑§Ã ‚ÊÁ⁄UáÊË ∑§ ◊ÈÃÊÁ’∑§ vv} •Áœ∑§ÊÁ⁄UÿÙ¥ ∞fl¢ ∑§◊¸øÊÁ⁄UÿÙ¥ ∑§Ù ©Uëø ÁSÕÁÃ ◊¥ ¬˝ÙãŸÃ Á∑§ÿÊ ÇÊÿÊ —

∑§ÊÿÊ¸‹ÿ ¬Á⁄UøÊ⁄U∑§ (◊Ò‚¥¡⁄U) ‚

∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈU©Ug‡ÿËÿ)

∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈU©Ug‡ÿËÿ) ‚‚„UÊÿ∑§ ¬˝’¢œ∑§

(•Áœ∑§Ê⁄UË S∑§‹-I)

‚„UÊÿ∑§ ¬˝’¢œ∑§ ‚ ¬˝’¢œ∑§

(•Áœ∑§Ê⁄UË S∑§‹-II)

¬˝’¢œ∑§ ‚ flÁ⁄Uc∆U ¬˝’¢œ∑§(•Áœ∑§Ê⁄UË S∑§‹-III)

flÁ⁄Uc∆U ¬˝’¢œ∑§ ‚ ◊ÈÅÿ ¬˝’¢œ∑§

(•Áœ∑§Ê⁄UË S∑§‹-IV)

27 95 45 21 8

’Ò¥∑§ Ÿ •Áœ∑§Ê⁄UË ∞fl¢ ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ ∑§ •ª‹ ’Òø ∑§Ë ÁŸÿÈÁÄÃ ¬˝Á∑˝§ÿÊ ‡ÊÈM§ ∑§⁄U ŒË „ÒU–ß‚ ’Ëø ‚◊ÊåÃ fl·¸ xv.Æx.wÆvx ∑§ Á‹∞ ∑§ÊÿÊ¸‹ÿ ¬Á⁄UøÊ⁄U∑§ (◊Ò‚¥¡⁄U) ‚ ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈU©Ug‡ÿËÿ), ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈU©Ug‡ÿËÿ) ‚‚„UÊÿ∑§ ¬˝’¢œ∑§ (•Áœ∑§Ê⁄UË S∑§‹-I), ‚„UÊÿ∑§ ¬˝’¢œ∑§ ‚ ¬˝’¢œ∑§ (•Áœ∑§Ê⁄UË S∑§‹-II), ¬˝’¢œ∑§ ‚ flÁ⁄Uc∆U ¬˝’¢œ∑§ (•Áœ∑§Ê⁄UË S∑§‹-III),¬˝’¢œ∑§ ‚ flÁ⁄Uc∆U ¬˝’¢œ∑§ (•Áœ∑§Ê⁄UË S∑§‹-III) ∑§Ë ¬ŒÊãŸÁÃ ¬˝Á∑˝§ÿÊ ¡Ê⁄UË „ÒU–

¬˝Á‡ÊˇÊáÊ ÃÕÊ ◊ÊŸfl ‚¢‚ÊœŸ Áfl∑§Ê‚’Ò¥∑§ •¬Ÿ ¬˝Á‡ÊˇÊáÊ ∑¥§º˝ ◊¥ ¬˝Á‡ÊˇÊáÊ ÁŒ‹ÊŸ ∑§ •‹Êfl ⁄UÊÖÿ ÃÕÊ ⁄UÊÖÿ ∑§ ’Ê„U⁄U ÁflÁ÷ãŸ ¬˝Á‡ÊˇÊáÊ ∑§Êÿ¸∑˝§◊Ù¥ ∑§ ◊Êäÿ◊ ‚ ¡ÊŸ∑§Ê⁄UË, ˇÊ◊ÃÊ fl ∑§Êÿ¸‡ÊÒ‹Ë ∑§Ù ©UãŸÃ ’ŸÊŸ ∑§Ê •fl‚⁄U ¬˝ŒÊŸ ∑§⁄UÃÊ „ÒU– (flcÊ¸ wÆvw-vx ∑§ Œı⁄UÊŸ ∞‚ ¬˝Á‡ÊˇÊáÊÙ¥ ◊¥ ÷Êª ‹Ÿ flÊ‹ •Áœ∑§ÊÁ⁄UÿÊ¥ ∑§Ê Áflfl⁄UáÊ ÁŸêŸflÃ˜Ô „ÒU —

‚¢SÕÊ/‚¢ª∆Ÿ ¬˝ÁÃ÷ÊÁªÿÙ¥ ∑§Ë ‚¢ÅÿÊ •Êß¸•Êß¸’Ë∞◊, ªÈflÊ„Ê≈Ë wÆ~∞‚≈Ë‚Ë, ÿÍ’Ë•Êß¸, ∑§Ù‹∑§ÊÃÊ v}’Ë•Êß¸•Ê⁄«Ë, ‹πŸ™§ vz‚Ë∞’Ë, ¬ÈáÊ wŸÊ’Ê«¸U ªÈflÊ„Ê≈Ë vw’Ë•Êß¸•Ê⁄U«UË, ’Ê‹¬È⁄U {•Ê⁄U’Ë•Êß¸, ªÈflÊ„UÊ≈UË w∞Ÿ•Êß¸•Ê⁄U«UË vyÿÍ’Ë•Êß¸ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ z•ãÿ yw

∑È§‹ xwz

‚Ë’Ë∞‚ Á»§ŸÊ∑§‹ ß¢«U- ÿÍ¡‚¸ ¬˝Á‡ÊˇÊáÊ

ß‚∑§ •ÁÃÁ⁄UÄÃ Æv.Æy.wÆvw ‚ xv.Æx.wÆvx ∑§ Œı⁄UÊŸ |w| •Áœ∑§ÊÁ⁄UÿÙ¥ •ı⁄U ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§Ù¥ ∑§Ù ’Ò¥∑§Ù¥ Ÿ •¬Ÿ ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊŸ “•‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ‚¥≈U⁄U »§Ê⁄U ’Ò¥Á∑¢§ª ∞¢«U ≈ÄŸÙ‹Ê¡Ë ‹ÁŸZª” ◊¥ “‚Ë’Ë∞‚ Á»§ŸÊ∑§‹ ß¢«U-ÿÍ¡‚¸” ¬⁄U ¿U„U ÁŒfl‚Ëÿ ¬˝Á‡ÊˇÊáÊ ÁŒ∞–Ÿfl øÿÁŸÃÙ¥ ∑§Ù ß¢«UÄ‡ÊŸ ¬˝Á‡ÊˇÊáÊ—

’Ò¥∑§ Ÿ •¬Ÿ Ÿfl øÿÁŸÃÙ¥ ~w ∑§ÊÿÊ¸‹ÿ ‚„UÊÿ∑§ (’„ÈUŒ˜Œ‡ÿËÿ), ~~ •Áœ∑§Ê⁄UË (S∑§‹ v), vy •Áœ∑§Ê⁄UË (S∑§‹-w) fl w •Áœ∑§Ê⁄UË (S∑§‹-x) ∑§Ù ’Ò¥∑§ ◊¥ ÿÙªŒÊŸ ŒŸ ∑§ ’ÊŒ ¬˝fl‡ÊÊà◊∑§ ¬˝Á‡ÊˇÊáÊ ÁŒÿÊ U–

•Ê¢ÃÁ⁄∑§ ¡Ê¢ø ∞fl¢ ‹πÊ ¬⁄ËˇÊáÊ‚¢øÊ‹Ÿ òÊÈÁ≈ÿÙ¥ ∑§Ù ÉÊ≈ÊŸ •ÊÒ⁄ ‡ÊÊπÊ ∑§ÊÿÊ¸‹ÿÙ¥ ∑§ ‚ÊÕ ÁŸÿ¢òÊ∑§ ∑§ÊÿÊ¸‹ÿ ◊¥ ’Ò¥∑§ ∑§ ÁŸÿ◊Ù¥ ÃÕÊ ÁŸº¸‡ÊÙ¥ ∑§Ë ‚¢¬ÈÁc≈ ∞fl¢ ÁŸÁ‡øÃË∑§⁄áÊ ∑§Ë ºÎÁc≈ ‚ •ÊÒ⁄ ‡ÊÊπÊ•Ù¥/∑§ÊÿÊ¸‹ÿÙ¥ ∑§ ◊Ê◊‹Ù¥ ∑§Ë ªÈáÊflûÊÊÿÈÄÃ ‚◊ËˇÊÊ ∑§ Á‹∞ ÷Ë ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ∑§ ¡Ê¢ø Áfl÷Êª Œ˜flÊ⁄UÊ ‡ÊÊπÊ•Ù¥ ∑§Ë ¡Ê¢ø ∑§Ë ªß¸– ‚◊ËˇÊÊ ∑§Ë •flÁœ ∑§ ºı⁄ÊŸ w{Æ ‡ÊÊπÊ•Ù¥ ∑§ ‹ˇÿ ∑§ Áfl¬⁄UËÃ ’Ò¥∑§ ∑§ ‹πÊ ¬⁄ËˇÊáÊ ÃÕÊ ¡Ê¢ø Áfl÷Êª ∑§ •Áœ∑§ÊÁ⁄ÿÙ¥ mÊ⁄Ê w{x ‡ÊÊπÊ•Ù¥ ∑§Ë ¡Ê¢ø ∑§Ë ªß¸– ß‚∑§ •‹ÊflÊ v}z ‡ÊÊÅÊÊ•Ù¥ ◊¥ ⁄UÊ¡Sfl ‹πÊ ¬⁄UËˇÊáÊ „ÈU•Ê–

˜

In pursuit of perfection through continuous training


738th A N N U A L R E P O R T, 2 0 1 2 - 1 3

‚¢flÃË¸ ‹πÊ ¬⁄UËˇÊÊ’Ò¥∑§ Ÿ ëÊÈÁŸ¢ŒÊ ‡ÊÊπÊ•Ù¥ ◊¥ ‚¢flÃË¸ ‹πÊ ¬⁄UËˇÊáÊ ÷Ë Á∑§ÿÊ– Á⁄U¬Ù≈¸U ∑§Ë •flÁœ ∑§ Œı⁄UÊŸ }z ‡ÊÊπÊ•Ù¥ ◊¥ ‚¢flÃË¸ ‹πÊ ¬⁄UËˇÊáÊ „ÈU∞–

‚Ê¢ÁflÁœ∑§ ‹πÊ ¬⁄ËˇÊÊˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§ •ÁœÁŸÿ◊ v~|{ ∑§Ë œÊ⁄Ê v~ ∑§Ë ©¬ œÊ⁄Ê (v) ∞fl¢ (w) ∑§ •ŸÈ‚Ê⁄ ÁflûÊËÿ fl·¸ wÆvw-vx ∑§ Á‹∞ ’Ò¥∑§ ∑§Ë ‚Ê¥ÁflÁœ∑§§ ‹πÊ ¬⁄ËˇÊÊ ∑§ Á‹∞ ‚Ê¥ÁflÁœ∑§ ∑¥§º˝Ëÿ ¬⁄ËˇÊ∑§ ∑§ M§¬ ◊¥ øÊ≈¸U«¸U ∞∑§Ê¢©¢U≈¥U≈˜U‚ ◊‚‚¸ ÿÍ‚Ë ◊¡Í◊ŒÊ⁄U ∞¢«U ∑¢§¬ŸË ∑§Ù wv ‡ÊÊπÊ ‹πÊ ¬⁄ËˇÊ∑§Ù¥ ∑§ •ÁÃÁ⁄ÄÃ ÁŸÿÈÄÃ Á∑§ÿÊ ªÿÊ– ŸÊ’Ê«¸/•Ê⁄’Ë•Êß¸ ∑§ Áº‡ÊÊ-ÁŸº¸‡ÊÙ¥ ∑§ •ŸÈ‚Ê⁄ ßã„Ù¥Ÿ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ‚Á„Ã ‚÷Ë ‡ÊÊπÊ•Ù¥ ∑§Ë ‹πÊ ¬⁄ËˇÊÊ ∑§Ë– ÁŸŒ‡Ê∑§ ◊¢«U‹ Ÿ ‹πÊ ¬⁄UËˇÊ∑§Ê¥ ∑§Ê „UÊÁŒ¸∑§ œãÿflÊŒ ÁŒÿÊ–

’Ò¥∑§ ∑§Ë ’Ê«¸U ‹πÊ ‚Á◊ÁÃ’Ù«¸U ‚ŒSÿÙ¥ ∑§ ‚ÊÕ ∞∑§ ©UìÊ SÃ⁄UËÿ ‹πÊ ‚Á◊ÁÃ ∑§Ê ª∆UŸ Á∑§ÿÊ ªÿÊ, Á¡‚∑§Ë ¬ÈŸ⁄UËˇÊáÊ •flÁœ ∑§ ŒÊÒU⁄UÊŸ øÊ⁄U ’Ò∆U∑¥§ „Èß¸– ’Ò∆U∑§ ◊¥ ’Ò¥∑§ ∑§ ∑§Êÿ¸∑§‹Ê¬Ê¥ fl ¡ÙÁπ◊ ¬˝’¢œ ∑§ ÁflÁ÷ãŸ ¬„‹È•Ù¥ ¬⁄U ÁflSÃÊ⁄U ‚ øøÊ¸ ∑§Ë ªß¸ •ı⁄U ß‚∑§ ∑§ÊÿÊ¸ãflÿŸ ∑§ Á‹∞ ’Ò¥∑§ ∑§Ù ‚È¤ÊÊfl ÁŒ∞ ª∞– ‹πÊ ‚Á◊ÁÃ ∑§ ‚÷Ë ‚È¤ÊÊflÊ¥-•Ê∑§‹ŸÊ¥ ∑§Ê Á∑˝§ÿÊÁãflÃ Á∑§ÿÊ ªÿÊ–

ª˝Ê„∑§ ‚flÊª˝Ê„∑§Ù¥ ∑§Ù àflÁ⁄Ã ∞fl¢ ºˇÊ ‚flÊ ¬˝ºÊŸ ∑§⁄Ÿ ∑§ Á‹∞ ‚÷Ë ‡ÊÊπÊ•Ù¥ ∞fl¢ ∑§ÊÿÊ¸‹ÿÙ¥ ◊¥ x|y ‚Ë’Ë∞‚ ‡ÊÊπÊ•Ê¥ ‚Á„Ã „⁄ ‚¢÷fl ¬˝ÿÊ‚ Á∑§∞ ª∞– ’„Ã⁄ ª˝Ê„∑§ ‚flÊ ©¬‹éœ ∑§⁄ÊŸ ∑§ Á‹∞ ‡ÊÊπÊ•Ù¥ ◊¥ ŸÙ≈ ÁªŸŸ flÊ‹Ë ◊‡ÊËŸ¥ ©¬‹éœ ∑§⁄Êß¸ ªß¸ „Ò¥– ß‚∑§ •‹ÊflÊ ‹ª÷ª ‚÷Ë ‡ÊÊπÊ•Ù¥ ◊¥ ≈‹Ë»§ÙŸ/ß¢≈U⁄UŸ≈U ∑§Ë ‚ÈÁflœÊ ÷Ë ºË ªß¸ „Ò– ª˝Ê„∑§Ù¥ ∑§Ë Á‡Ê∑§ÊÿÃÙ¥ ∑§Ù ¬˝ÊÕÁ◊∑§ÃÊ ∑§ •ÊœÊ⁄ ¬⁄ ‚ÈŸÊ ªÿÊ– ª˝Ê„U∑§Ê¥ ∑§ ÁflÁ÷ãŸ ‚◊Í„UÊ¥ ∞fl¢ SÕÊŸËÿ ÁflÁ‡Êc≈U ‹ÊªÊ¥ ∑§Ê Á◊‹Ê∑§⁄U ‚÷Ë ‡ÊÊπÊ•Ê¥ ◊¥ ª˝Ê„U∑§ ‚flÊ ‚Á◊ÁÃ ’ŸÊß¸ ªß¸– ª˝Ê„∑§ ‚flÊ ◊¥ ‚ÈœÊ⁄ „ÃÈ ª˝Ê„∑§Ù¥ ∑§ ‚ÊÕ ‚ËœË ‚¢¬∑¸§ ’ŸÊŸ ÃÕÊ ©Ÿ∑§ ÁfløÊ⁄ ¡ÊŸŸ ∑§ Á‹∞ ‡ÊÊπÊ SÃ⁄ ¬⁄ ‚÷Ê∞¢ •ÊÿÙÁ¡Ã ∑§Ë ªß¸– ˇÊòÊËÿ SÃ⁄ ÷Ë ª˝Ê„U∑§ ‚÷Ê •ÊÿÙÁ¡Ã „ÈUß¸– ø∑§/Á«◊Ê¢« «˛Êç≈ ∑§Ê àflÁ⁄Ã ‚¢ª˝„U ∑§ Á‹∞ •Áœ∑§ ‚ •Áœ∑§ ‡ÊÊπÊ∞ ÁÄ‹ÿÁ⁄¢ª „Ê™§‚ ‚ŒSÿÃÊ ∑§ Ã„UÃ ‹Êß¸ ªßZ– ‚◊ËˇÊÊ •flÁœ ∑§ ŒÊÒ⁄UÊŸ ª˝Ê„U∑§Ê¥ ∑§Ë •Ê∑§Ê¢ˇÊÊ•Ê¥ ∞fl¢ ©Uã±¥ ‚ÈÁflœÊ∞¢ ‚ÈœÊ⁄U ∑§ Á‹∞ »§ŸË¸ø⁄UÊ¥ ∑§Ê •Ê∑§·¸∑§ Ÿ∞ ‚≈U y{ ‡ÊÊπÊ•Ê¥ ∑§Ê ¬˝ŒÊŸ Á∑§∞ ª∞– ∑§⁄UË’ ‚÷Ë ‡ÊÊπÊ•Ê¥ ◊¥ ¬ÿ¡‹, ‡ÊÊÒøÊ‹ÿ, ø∑§ «˛UÊ¬ ’ÊÄ‚ •ÊÁŒ ‚ÈÁflœÊ∞¢ ¬˝ŒÊŸ ∑§Ë ªß¸°–‚ÍøŸÊ ∑§Ê ¬˝ÊÁœ∑§Ê⁄ •ÁœÁŸÿ◊vw •Ä≈Í’⁄ wÆÆz ‚ •ÁSÃàfl ◊¥ •Ê∞ ‚ÍøŸÊ ∑§Ê •Áœ∑§Ê⁄U •ÁœÁŸÿ◊ ∑§Ê ’Ò¥∑§Ê mÊ⁄UÊ Á∑˝§ÿÊãflÿŸ Á∑§ÿÊ ÇÊÿÊ „ÒU– ∑§ÊŸÍŸ ∑§ Ã„Ã ¬˝Ê‚¢Áª∑§ ‚ÍøŸÊ∞¢ ’Ò¥∑§ ∑§Ë fl’‚Êß≈ (www.agvbank.co.in) ◊È„ÒÿÊ ∑§⁄Êß¸ ªß¸ „Ò– •ÁœÁŸÿ◊ ∑§ ◊ÈÃÊÁ’∑§ ß‚ Œı⁄UÊŸ ¬˝ÊåÃ ‚÷Ë •ÊflŒŸ ÁŸSÃÊÁ⁄UÃ ∑§⁄U ÁŒ∞ ÇÊ∞ –’Ò¥Á∑¢§ª ‹Ù∑§¬Ê‹ ÿÙ¡ŸÊ ∑§Ê ¬Ê‹Ÿ, wÆÆ{‚◊ËˇÊÊ •flÁœ ∑§ ŒÊÒ⁄UÊŸ ’Ò¥∑§ Ÿ ’Ò¥Á∑¢§ª ‹Ê∑§¬Ê‹ ÿÊ¡ŸÊ wÆÆ{ ∑§Ê ¬Ê‹Ÿ Á∑§ÿÊ– ’Ò¥∑§ Ÿ ß‚∑§ Ã„UÃ ‚¢’h ¬˝ÊÁœ∑§Ê⁄U ∑§Ë ‚‹Ê„U ¬⁄U ‚◊ÿ ‚◊ÿ ¬⁄U ‚÷Ë ‚ÍøŸÊ∞¢, «UÊ≈UÊ, Á⁄U∑§Ê«¸U fl Á≈Uå¬ÁáÊÿÊ¢ ◊È„ÒUÿÊ ∑§⁄UÊß¸– •flÁœ ∑§ ŒÊÒ⁄UÊŸ ◊ÊŸŸËÿ ’Ò¥Á∑¢§ª ‹Ê∑§¬Ê‹, ¬ÍflÊ¸ûÊ⁄U ˇÊòÊ ∑§ ‚◊ˇÊ vz Á‡Ê∑§ÊÿÃ¥ Œ¡¸ „ÈUßZ, Á¡Ÿ∑§Ê •Ê¬‚Ë ‚◊¤Ê ¬˝Á∑˝§ÿÊ ‚ ÁŸSÃÊ⁄UáÊ ∑§⁄U ÁŒÿÊ ªÿÊ– ‚◊ËˇÊÊ •flÁœ∑§ ∑§ ŒÊÒ⁄UÊŸ ’Ò¥Á∑¢§ª ‹Ù∑§¬Ê‹ Ÿ ’Ò¥∑§ ∑§ ÁflM§h ∑§Êß¸ ∞flÊ«¸U ¬Ê‚ Ÿ„UË¥ Á∑§ÿÊ–’Ò¥∑§ ∑§Ë ‚åÃ◊ fl·¸ªÊ¢∆ ∑§Ê •ÊÿÙ¡Ÿ —∞∑§Ë∑Î§Ã ’Ò¥∑§ Ÿ vw.Æv.wÆvx ∑§Ù •¬ŸË SÕÊ¬ŸÊ ∑§ ‚ÊÃ fl·¸ ¬Í⁄ ∑§⁄ Á‹∞– ß‚ •fl‚⁄ ¬⁄ ’Ò¥∑§ Ÿ ‚÷Ë ‡ÊÊπÊ•Ù¥ •ÊÒ⁄ ∑§ÊÿÊ¸‹ÿÙ¥ ∑§Ù ¡Ù«U∏Ã „È∞ ª˝Ê„U∑§ ‚ê◊‹Ÿ, ÁflûÊËÿ ¡ÊªM§∑§ÃÊ ∑§Êÿ¸∑˝§◊, ÁflÁ÷ãŸ ¬˝ÁÃÿÙÁªÃÊ•Ù¥ •ÊÁŒ ∑§Ê •ÊÿÊ¡Ÿ Á∑§ÿÊ– ’Ò¥∑§Ê¥ ◊¥ ÁflÁ÷ãŸ Ã∑§ŸË∑§ •ÊœÊÁ⁄UÃ •ÊœÈÁŸ∑§ ’Ò¥Á∑¢§ª ‚flÊ ∑§Ë ÉÊÊ·áÊÊ ∑§ Á‹∞ ªÈflÊ„UÊ≈UË ◊¥ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ mÊ⁄UÊ ∞∑§ ‚¢flÊŒŒÊÃÊ ‚ê◊‹Ÿ ∑§Ê ÷Ë •ÊÿÊ¡Ÿ Á∑§ÿÊ ªÿÊ– ‚¢flÊŒŒÊÃÊ ‚ê◊‹Ÿ ∑§Ê ’Ò¥∑§ ∑§ øÿ⁄U◊ÒŸ Ÿ ‚¢’ÊÁœÃ Á∑§ÿÊ •ÊÒ⁄U zÆ ‚ •Áœ∑§ Á¬˝¢≈U ∞fl¢ ß‹Ä≈˛UÊÁŸ∑§ ◊ËÁ«UÿÊ ∑§ ¬˝ÁÃÁŸÁœÿÊ¥ Ÿ ‚ê◊‹Ÿ ◊¥ Á„US‚Ê Á‹ÿÊ– ‹ª÷ª ‚÷Ë ŒÒÁŸ∑§ ‚◊ÊøÊ⁄U¬òÊÊ¥ ∞fl¢ ≈UËflË øÒŸ‹Ê¥ Ÿ ÁflÁ÷ãŸ SÃ⁄UÊ¥ ¬⁄U ’Ò¥∑§ ∑§ ¬˝Œ‡Ê¸Ÿ ∑§Ê ∑§fl⁄U Á∑§ÿÊ– ¬È⁄S∑§Ê⁄ fl ◊ÊãÿÃÊ’Ò¥∑§ ◊¥ ‚ÍøŸÊ ∞fl¢ Ã∑§ŸË∑§ ∑§ ÁfløÊ⁄UÊ¥ ∑§Ê ‹ÊªÍ ∑§⁄UŸ ∑§Ë ÁŒ‡ÊÊ ◊¥ ÁŒ∞ ÿÊªŒÊŸ ∑§ Á‹∞ •‚◊ ª˝Ê◊ËáÊ ’Ò¥∑§ ∑§Ê ŸÒ‚∑§Ê◊ •ÊÿÊÁ¡Ã S¬‡Ê‹ ÖÿÍ⁄UË ¬˝‡Ê¢‚Ê •Êß¸≈UË «˛UÊßflŸ ßŸÊfl‡ÊŸ •flÊ«˜U‚¸-wÆvx ¬˝ŒÊŸ Á∑§ÿÊ ªÿÊ– ß‚ ¬È⁄US∑§Ê⁄U ‚◊flÊÿ fl •Ê⁄U•Ê⁄U’Ë flª¸ ◊¥ ÁŒÿÊ ªÿÊ– ’Ò¥∑§ ◊¥ ß¸-‚∑È§¸‹⁄U ◊Ê«KÍ‹ √ÿfl„UÊ⁄U ∑§⁄UŸ ∑§ Á‹∞ ’Ò¥∑§ ∑§Ê ¬È⁄US∑§Ê⁄U ∑§ Á‹∞ øÈŸÊ ªÿÊ– •¢Ã⁄UÊ¸c≈˛UËÿ ◊Á„U‹Ê ÁŒfl‚ ¬Ífl¸ fl·¸ ∑§Ë ÷Ê¢ÁÃ ’Ò¥∑§ Ÿ Ÿ Æ}.Æx.wÆvx ∑§Ù Áflfl∑§ÊŸ¢Œ ∑¥§º˝ ‚Ê¢S∑Î§ÁÃ∑§ ‚¢SÕÊŸ, ªÈflÊ„UÊ≈UË ◊¥ •¢Ã⁄UÊ¸c≈˛UËÿ ◊Á„U‹Ê ÁŒfl‚ ∑§Ê •ÊÿÙ¡Ÿ Á∑§ÿÊ– ¬˝ÅÿÊÃ •Á÷ŸòÊË üÊË◊ÃË ¬ÍÁáÊ¸◊Ê ‚ßÁ∑§ÿÊ ◊ÈÅÿ •ÁÃÁÕ ÕË¥, ¡’Á∑§ ŸÊ’Ê«¸U ∑§Ë ∞¡Ë∞◊ üÊË◊ÃË ’‹Áfl¢Œ⁄U ∑§ÊÒ⁄U ‚◊Ê⁄UÙ„U ◊¥ ‚ê◊ÊÁŸÃ •ÁÃÁÕ ⁄U„UË¥– ß‚ •fl‚⁄U ¬⁄U ’Ò¥∑§ ∑§ øÿ⁄U◊ÒŸ •ÊÒ⁄U flÁ⁄Uc∆U •Áœ∑§Ê⁄UË ÷Ë ©U¬ÁSÕÃ ⁄U„U–©U‚ ÁŒŸ ∑§ ∑§Êÿ¸∑˝§◊ ∑§Ê ÕË◊ ⁄U„UÊ-fløŸ ∞∑§ fløŸ „ÒU, ‚◊ÿ „ÒU ◊Á„U‹Ê•Ê¥ ∑§ Áπ‹Ê»§ Á„¢U‚Ê ⁄UÊ∑¥§– ‚÷Ë ÁflÁ‡Êc≈U ‹ÊªÊ¥ Ÿ ÕË◊ ‚ •¬ŸË ‚„U◊ÁÃ ¡ÃÊÃ „ÈU∞ Œ‡Ê¸∑§Ê¥ ◊¥ ‚Ê„U‚ ÷⁄UŸ ∞fl¢ ¬˝Á⁄UÃ ∑§⁄UŸ ∑§Ê ¬˝ÿÊ‚ Á∑§ÿÊ– ß‚ •fl‚⁄U ¬⁄U ’Ò¥∑§ ∑§ øÿ⁄U◊ÒŸ Ÿ Áfl‡Ê·∑§⁄U ◊Á„U‹Ê•Ê¥ ∑§ Á‹∞ Á«U¡ÊÿŸ Ÿ∞ ©Uà¬ÊŒÊ¥ ∑§Ê ‹Ê¢ø ∑§⁄UŸ ∑§Ë ’ÊÃ ∑§„UË–

74 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ÁflÁ‡Êc≈ ¬ºÊÁœ∑§ÊÁ⁄ÿÙ¥ ∑§Ê ÷˝◊áÊ‚◊ËˇÊÊ •flÁœ ∑§ ºı⁄ÊŸ ÁŸêŸÁ‹ÁπÃ ◊„ ûfl¬ÍáÊ¸ ¬ºÊÁœ∑§ÊÁ⁄ÿÙ¥ Ÿ ’Ò¥∑§ ∑§Ê ÷˝◊áÊ Á∑§ÿÊ–v. ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ ∑§ ◊ÊŸŸËÿ ∑§Êÿ¸∑§Ê⁄UË ÁŸŒ‡Ê∑§ üÊË «UË. ∑§. ◊Ê„¢UÃË Ÿ wx.vw.wÆvw ∑§Ê ÷Ê⁄UÃËÿ

Á⁄U¡fl¸ ’Ò¥∑§ ∑§ ÊòÊËÿ ÁŸŒ‡Ê∑§, üÊË ¬Ë.∑§. ¡ŸÊ ∑§ ‚ÊÕ ’Ò¥∑§ πòÊË ‡ÊÊπÊ ∑§Ê ÷˝◊áÊ Á∑§ÿÊ– •ÁÃÁÕ ⁄Á¡S≈U⁄U ◊¥ ◊ÊŸŸËÿ ∑§Êÿ¸∑§Ê⁄UË ÁŸŒ‡Ê∑§ Ÿ ‡ÊÊπÊ ∑§ ∑§Ê◊-∑§Ê¡, πÊ‚∑§⁄U ‡ÊÊπÊ ∑§ ©UìÊ ‚Ë«UË •ŸÈ¬ÊÃ ¬⁄U •¬ŸË πÈ‡ÊË Œ¡¸ ∑§⁄UÃ „ÈU∞ •ÊŸ flÊ‹ ÁŒŸÊ¥ ◊¥ ‡ÊÊπÊ ◊¥ •ÊÒ⁄U ‚ÈœÊ⁄U •ÊŸ ∑§Ë ‡ÊÈ÷∑§Ê◊ŸÊ ŒË–

w. ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊ ∑§ ∑§Êÿ¸∑§Ê⁄UË ÁŸŒ‡Ê∑§ üÊË ‚¢¡ÿ •ÊÿÊ¸ Ÿ Æ|.Æw.wÆvx ∑§Ê ’Ò¥∑§ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ∑§Ê ÷˝◊áÊ Á∑§ÿÊ •ÊÒ⁄U ’Ò¥∑§ ∑§ flÁ⁄Uc∆U •Áœ∑§ÊÁ⁄UÿÊ¥ ∑§ ‚ÊÕ ÁfløÊ⁄U-Áfl◊‡Ê¸ Á∑§ÿÊ– ©Uã„UÊ¥Ÿ ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ∑§ ◊Ê„UÊÒ‹ ¬⁄U ‚¢ÃÊ· ¡ÃÊÿÊ ™§¡Ê¸ ‚ ÷⁄U¬Í⁄U S≈UÊ»§ ‚ŒSÿÊ¥ ∑§Ë ¬˝‡Ê¢‚Ê ∑§Ë–

•ÊÒlÙÁª∑§ ‚¢’¢œ’Ò¥∑§ ∑§ ∞∑§Ë∑§⁄áÊ ∑§ »§‹SflM§¬, ’Ò¥∑§ ∑§ ‚÷Ë •Áœ∑§Ê⁄Ë •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ •ÊÁ»§‚‚¸ ∞‚ÙÁ‚∞‡ÊŸ ∑§Ê ¬˝ÁÃÁŸÁœàfl ∑§⁄Ã „Ò¥ •ÊÒ⁄ ‚÷Ë ∑§◊¸øÊ⁄Ë •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ∞ê¬‹Êß¡ ∞‚ÙÁ‚∞‡ÊŸ ∑§Ê ¬˝ÁÃÁŸÁœàfl ∑§⁄Ã „Ò¥– ºÙŸÙ¥ ‚¢ª∆Ÿ ⁄Á¡S≈˛Ê⁄ •Ê»§ ≈˛« ÿÍÁŸÿŸ •‚◊ ∑§ ÿ„Ê¢ ¬¢¡Ë∑Î§Ã „Ò¥ ÃÕÊ ’Ò¥∑§ mÊ⁄Ê ◊ÊãÿÃÊ ¬˝ÊåÃ ÷Ë „Ò¥– ‚¢ª∆ŸÙ¥ ∑§ ÁflÁ÷ãŸ ÷ÊªÙ¥ ∑§ Ã„Ã ‚◊ÿ-‚◊ÿ ¬⁄ ÁfløÊ⁄-Áfl◊‡Ê¸ ÷Ë Á∑§∞ ¡ÊÃ „Ò¥U ÃÕÊ ©Ÿ∑§ mÊ⁄Ê ‚◊ÿ-‚◊ÿ ©∆Ê∞ ª∞ ÁflÁ÷ãŸ ◊ÈgÙ¥ ∑§ ÁŸ¬≈ÊŸ •ÊÒ⁄ ’Ò¥∑§ ∑§ √ÿfl‚Êÿ Áfl∑§Ê‚, fl‚Í‹Ë •ÊÁº ◊¥ ©Ÿ∑§Ë ÷ÍÁ◊∑§Ê ∑§Ê ◊ÍÀÿÊ¢∑§Ÿ ÷Ë Á∑§ÿÊ ¡ÊÃÊ „Ò– flÊÃÊ¸ ∑§Ê ◊Ê„ı‹ „◊‡ÊÊ ‚ı„Êº¸¬ÍáÊ¸ ∞fl¢ ‚„ÿÙªÊà◊∑§ ⁄„Ê „Ò–’Ò¥∑§ •¬ŸË Ã⁄U»§ ‚ ∑§ÙÁ‡Ê‡Ê ∑§⁄UÃÊ „ÒU Á∑§ ∞‚ÙÁ‚∞‡ÊŸ Œ˜flÊ⁄UÊ ©U∆UÊ∞ ª∞ ◊ÈŒ˜Œ ∑§Ù ŒÍ⁄U Á∑§ÿÊ ¡Ê ‚∑§ •ı⁄U ’ÊÃøËÃ ∑§ ŒÊÒ⁄UÊŸ „UË ∑§ß¸ Ã⁄U„U ∑§ ◊ÈŒ˜Œ ÁŸ¬≈UÊ ÁŒ∞ ¡ÊÃ „Ò¥U–ÁŸº‡Ê∑§ ◊¢«‹ÁflûÊËÿ fl·¸ wÆvw-vx (Æv.Æy.wÆv ‚ xv.Æx.wÆvx) Ã∑§ ÁŸŒ‡Ê∑§ ◊¢«U‹ ∑§Ë •Ê∆U ’Ò¥∆U∑¥§ •ÊÿÙÁ¡Ã ∑§Ë ªß¸ ÕË¥– ß‚ •flÁœ ∑§ ºı⁄ÊŸ ÁŸº‡Ê∑§ ◊¢«‹ ◊¥ ÁŸêŸÁ‹ÁπÃ ¬Á⁄flÃ¸Ÿ „È∞ „Ò¥ —

¬º◊ÈÄÃ ÁŸº‡Ê∑§ ‚ ÃÕÊ Ã∑§ •Êª¢ÃÈ∑§ ÁŸº‡Ê∑§ ‚üÊË ‚àÿŸÊ⁄UÊÿáÊ ‚Ê„ÍUøÿ⁄U◊ÒŸ

xv.Æ}.wÆÆ~ ‚ Æv.vv.wÆvw

üÊË ∞‚.∞‚. Á‚¢„Uøÿ⁄U◊ÒŸ Æv.vv.wÆvw

üÊË ∞‚.‚Ë. ‚⁄U∑§Ê⁄U, ∞¡Ë∞◊•Ê⁄U¬Ë‚Ë«UË, ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§, ªÈflÊ„UÊ≈UË

vv.Æw.wÆvÆ ‚ vz.vÆ.wÆvw

üÊË •Ê⁄U.‚Ë. ‡Ê◊Ê¸, ∞¡Ë∞◊•Ê⁄U¬Ë‚Ë«UË, ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§, ªÈflÊ„UÊ≈UË v{.vÆ.wÆvw

üÊË ≈UË.∑§. ø^ÔUÊ¬ÊäÿÊÿ, ∞¡Ë∞◊ (‹Ë«U ’Ò¥∑§)ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ, ∑§Ê‹∑§ÊÃÊ

vv.vv.wÆvv ‚ vÆ.Æ{.wÆvw

üÊË ◊ÊŸ‚ œ⁄U, ◊„UÊ¬˝’¢œ∑§ (∞»§•Êß¸ ∞¢«U ¬Ë∞‚)ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ, ∑§Ê‹∑§ÊÃÊ

vv.Æ{.wÆvw

üÊË ⁄UÁÕŸ ŒU«UË¡Ë∞◊ ∞¢«U ‚Ë•Ê⁄U∞◊ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊªÈflÊ„UÊ≈UË ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿ

v{.Æx.wÆvv ‚ vÆ.Æ{.wÆvw

üÊË ¡Ë.¬Ë. ‡Ê◊Ê¸«UË¡Ë∞◊ ∞¢«U ‚Ë•Ê⁄U∞◊ÿÍŸÊß≈U«U ’Ò¥∑§ •Ê»§ ß¢Á«UÿÊªÈflÊ„UÊ≈UË ˇÊòÊËÿ ∑§ÊÿÊ¸‹ÿ

vv.Æ{.wÆvw

üÊË ∞‚.¬Ë. Ÿ¢ŒË, •Êß¸∞∞‚‚Áøfl, ÁflûÊ, •‚◊ ‚⁄U∑§Ê⁄U

vz.Æw.wÆÆ{ ‚ Æ{.Æ|.wÆvw

üÊË •¢¡Ÿ ’⁄UŒ‹Ò, ∞‚Ë∞‚•ÁÃÁ⁄UÄÃ ‚Áøfl, ◊ÈÅÿ◊¢òÊË ∑§ÊÿÊ¸‹ÿ, •‚◊ Æ|.Æ|.wÆvw

ÁŸº‡Ê∑§ ◊¢«‹ ¬º◊ÈÄÃ ÁŸº‡Ê∑§Ù¥ ∑§Ù ©Ÿ∑§ ’„È◊ÍÀÿ ‚„ÿÙª ÃÕÊ ◊Êª¸º‡Ê¸Ÿ ∑§ Á‹∞ „ÊÁº¸∑§ œãÿflÊº ºÃÊ „Ò ÃÕÊ ’Ò¥∑§ ∑§ Ÿ∞ ÁŸº‡Ê∑§Ù¥ ∑§Ê „ÊÁº¸∑§ SflÊªÃ ∑§⁄ÃÊ „Ò–‚flÊÁŸflÎÁûÊÁ⁄¬ÙÁ≈Zª •flÁœ ∑§ ºı⁄ÊŸ v| •Áœ∑§Ê⁄Ë ÃÕÊ ¬¢øÊ≈ ∑§◊¸øÊ⁄Ë ’Ò¥∑§ ∑§Ë ‚flÊ ‚ ‚flÊÁŸflÎûÊ „È∞– ÁŸº‡Ê∑§ ◊¢«‹ ’Ò¥∑§ ∑§Ù Áº∞ ª∞ ©Ÿ∑§ ÿÙªºÊŸ ∑§ ¬˝ÁÃ •Ê÷Ê⁄ ¬˝∑§≈ ∑§⁄ÃÊ „Ò ÃÕÊ ©Ÿ∑§ Á‹∞ ‚ÈπË •ÊÒ⁄ SflSÕ ‚flÊÁŸflÎÁûÊ ¡ËflŸ ∑§Ë ÷Ë ∑§Ê◊ŸÊ ∑§⁄ÃÊ „Ò–ÁŸœŸ ‚ÍøŸÊÁŸº‡Ê∑§ ◊¢«‹ (i) ¬ÁflòÊ ∑È§◊Ê⁄U Á‚¢„U (ii) ÃL§áÊ ø¢º˝ ŒÊ‚ (iii) ø¢º˝‡fl⁄U ’Ê«∏UÊ (iv) ø¢ŒŸ ∑È§◊Ê⁄U ¬Ê‹ (v) ∑§◊‹Ê ∑§Ê¢Ã ¬˝œÊŸ (vi) ◊Ê„UŸ ø¢º˝ ◊œË (vii) ¡ÊÿŸÊ‹ •’ŒËŸ (viii) ◊ÈÁ„Uœ⁄U ¬ÊÃÊ⁄U (ix) „USÃ ’„UÊŒÈ⁄U ¿UòÊË (x) ⁄U»§Ë∑È§gËŸ ’⁄U÷ÈÿÊ¢ (xi) Á∑§‡ÊÊ⁄UË ◊Ê„UŸ ’Ê⁄UÊ (xii) ÉÊŸ∑§Ê¢Ã ªÊÿŸ ∑§ ÁŸœŸ ¬⁄ ‡ÊÙ∑§ √ÿÄÃ ∑§⁄Ã „È∞ ©Ÿ∑§Ê S◊⁄áÊ ∑§⁄ÃÊ „Ò ÃÕÊ ◊ÎÃ∑§Ù¥ ∑§Ë •Êà◊Ê ∑§Ë ‡ÊÊ¢ÁÃ ∑§ Á‹∞ ©ã„¥ üÊhÊ¢¡Á‹ •Á¬¸Ã ∑§⁄ÃÊ „Ò ÃÕÊ ©Ÿ∑§ ‡ÊÙ∑§ ‚¢ÃåÃ ¬Á⁄flÊ⁄ ∑§ ¬˝ÁÃ ‚„ÊŸÈ÷ÍÁÃ √ÿÄÃ ∑§⁄ÃÊ „Ò–

Shri Sanjay Arya, Executive Director, UBI being

felicitated during his visit to HO of the Bank


758th A N N U A L R E P O R T, 2 0 1 2 - 1 3

The Board of Directors puts on record its gratitude to the Govt. of

India, •‚◊ ÊòÊËÿ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ∑§Ê ÁŸº‡Ê∑§ ◊¢«‹ ’Ò¥∑§ ∑§Ù ‚ÈøÊM§ M§¬ ‚ ‚¢øÊÁ‹Ã ∑§⁄Ÿ ◊¥ ÷Ê⁄Ã ‚⁄∑§Ê⁄, •‚◊ ‚⁄∑§Ê⁄, ÷Ê⁄ÃËÿ Á⁄¡fl¸ ’Ò¥∑§, ŸÊ’Ê«¸U ÃÕÊ ÿÍŸÊß≈« ’Ò¥∑§ ‚ ¬˝ÊåÃ „Ù ⁄„ ◊„ûfl¬ÍáÊ¸ ◊Êª¸º‡Ê¸Ÿ •ÊÒ⁄ ‚„ÿÙª ∑§ ¬˝ÁÃ •Ê÷Ê⁄ ¬˝∑§≈ ∑§⁄ÃÊ „Ò– ÁŸº‡Ê∑§ ◊¢«‹, ’Ò¥∑§ ∑§Êÿ¸ ˇÊòÊ ∑§ ÁflÁ÷ãŸ Á¡‹Ù¥ ∑§ Á¡‹Ê ¬˝‡ÊÊ‚∑§Ù¥ ∑§ ¬˝ÁÃ ÷Ë ©Ÿ∑§ ‚◊Õ¸Ÿ fl ‚„ÿÙª, Áfl‡Ê· Ãı⁄ ¬⁄ ª⁄Ë’Ë ©ã◊Í‹Ÿ ∑§Êÿ¸∑˝§◊Ù¥ ∑§ Á∑˝§ÿÊãflÿŸ ÃÕÊ ’∑§ÊÿÙ¥ ∑§Ë fl‚Í‹Ë ◊¥ ©Ÿ∑§ ‚¢⁄ˇÊáÊ ÃÕÊ ‚„ÿÙª ∑§ Á‹∞ •Ê÷Ê⁄ ¡ÃÊÃÊ „Ò– ÁŸº‡Ê∑§ ◊¢«‹ „¡Ê⁄Ù¥ ∑§Ë ‚¢ÅÿÊ ◊¥ ◊ı¡Íº •¬Ÿ ª˝Ê„∑§Ù¥ fl ‡ÊÈ÷Áø¢Ã∑§Ù¥ ‚ Á◊‹ ⁄„ ‹ªÊÃÊ⁄ ‚„ÿÙª ÃÕÊ ‚¢⁄ˇÊáÊ ∑§ ¬˝ÁÃ ÷Ë •Ê÷Ê⁄ ¬˝∑§≈ ∑§⁄ÃÊ „Ò– ß‚∑§ •‹ÊflÊ ÁŸº‡Ê∑§ ◊¢«‹ ÁflÁ÷ãŸ ¬˝Á‡ÊˇÊáÊ ‚¢SÕÊ•Ù¥ ¡Ò‚ •Êß¸’Ë∞◊ ªÈflÊ„Ê≈Ë, ∞‚≈Ë‚Ë, ÿÍ’Ë•Êß¸-∑§Ù‹∑§ÊÃÊ, ’Ë•Êß¸•Ê⁄«Ë- ‹πŸ™§, •Ê⁄U≈UË‚Ë-’Ù‹¬È⁄U, ‚Ë∞’Ë, •Ê⁄’Ë•Êß¸-¬ÈáÊ ∑§ ¬˝ÁÃ ’Ò¥∑§ ∑§ ◊ÊŸfl ‚¢‚ÊœŸ ∑§ Áfl∑§Ê‚ ∑§ Á‹∞ ’„Ã⁄ ‚„ÿÙª „ÃÈ „ÊÁº¸∑§ •Ê÷Ê⁄ ¬˝∑§≈ ∑§⁄ÃÊ „Ò–ÁŸŒ‡Ê∑§ ◊¢«U‹ üÊËÿÈÃ ÃL§áÊ ªÙªÙß¸, ◊ÊŸŸËÿ ◊ÈÅÿ◊¢òÊË, •‚◊ ∑§Ê Áfl‡Ê·M§¬ ‚ •Ê÷Ê⁄U ¬˝∑§≈U ∑§⁄UÃÊ „ÒU, Á¡Ÿ∑§ ‚„UÿÙª ∞fl¢ ‚¢⁄UˇÊáÊ ‚ ’Ò¥∑§ ∑§ ‚÷Ë ∑§◊¸øÊÁ⁄UÿÙ¥ ∑§Ù ⁄UÊÖÿ ∑§ ª˝Ê◊ËáÊÙ¥ ∑§ Á‹∞ ÖÿÊŒÊ ‚ ÖÿÊŒÊ ∑§Ê◊ ∑§⁄UŸ ∑§Ë ¬˝⁄UáÊÊ Á◊‹Ë–ÁŸº‡Ê∑§ ◊¢«‹ ‚÷Ë üÊÁáÊÿÙ¥ ◊¥ ‚◊Á¬¸Ã ∑§◊¸øÊÁ⁄ÿÙ¥ Á¡Ÿ∑§ ¬˝flÃ¸∑§ ’Ò¥∑§ ∑§ •Áœ∑§Ê⁄ËªáÊ ÷Ë ‡ÊÊÁ◊‹ „Ò¥, ∑§ ¬˝ÁÃ „ÊÁº¸∑§ •Ê÷Ê⁄ ¬˝∑§≈ ∑§⁄ÃÊ „Ò, Á¡ã„Ù¥Ÿ ’Ò¥∑§ ∑§ ‚flÊZªËáÊ Áfl∑§Ê‚ ◊¥ •¬ŸÊ ◊„àfl¬ÍáÊ¸ ÿÙªºÊŸ Á∑§ÿÊ– ÁŸŒ‡Ê∑§ ◊¢«U‹ •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ •ÊÁ»§‚‚¸ ∞‚ÙÁ‚∞‡ÊŸ •ı⁄U •‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§ ßêå‹Êß¡ ∞‚ÙÁ‚∞‡ÊŸ ∑§Ê ÷Ë ’Ò¥∑§ ◊¥ ‚ı„UÊº˝¸¬ÍáÊ¸ ∞fl¢ ‡ÊÊ¢ÁÃ¬ÍáÊ¸ •ılÙÁª∑§ ‚¢’¢œ ’ŸÊ∞ ⁄UÅÊŸ ∑§ Á‹∞ •Ê÷Ê⁄U ¡ÃÊÃÊ „ÒU–ÁŸº‡Ê∑§ ◊¢«‹ ∑§Ê◊ŸÊ ∑§⁄ÃÊ „Ò Á∑§ ’Ò¥∑§ ∑§Ë ‚÷Ë üÊÁáÊÿÙ¥ ∑§ ∑§◊¸øÊ⁄Ë ß‚Ë ¬˝∑§Ê⁄ ‚◊Á¬¸Ã ÷ÊflŸÊ ∑§ ‚ÊÕ ©à∑Î§c≈ ª˝Ê„∑§ ‚flÊ ÃÕÊ ’Ò¥∑§ •ÊÒ⁄ ª˝Ê◊ËáÊ ¡ŸÃÊ ∑§ ©ãŸÿŸ ∑§Ë Áº‡ÊÊ ◊¥ ß‚‚ ÷Ë •ë¿UÊ ¬˝º‡Ê¸Ÿ ∑§⁄¥ª–

∑§ Á‹∞ •ÊÒ⁄ flÊSÃ ÁŸº‡Ê∑§ ◊¢«‹

(∞‚.∞‚. Á‚¢„U) •äÿˇÊ

∑ Á‹ÁŸº‡Ê∑§ ◊¢«‹

‚.∞‚. Á‚¢„U)

•Ê÷Ê⁄

76 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

xv ◊Êø¸ wÆvw Ã∑§ ’Ò¥∑§ ∑§Ê ¬˝º‡Ê¸Ÿ ∞∑§ Ÿ¡⁄ ◊¥(⁄ÊÁ‡Ê „¡Ê⁄ L§. ◊¥)

∑˝§. ‚¢. ¬Ò⁄Ê◊Ë≈‚¸ 31.03.2011 31.03.2012 31.03.2013

∑§ ◊ÈÅÿ ∑§Êÿ¸ ÁŸc¬Êº∑§ ‚Íø∑§v. ‚Áê◊Á‹Ã Á¡‹Ù¥ ∑§Ë ‚¢ÅÿÊ 25 25 25

w. ‡ÊÊπÊ•Ù¥ ∑§Ë ‚¢ÅÿÊ 362 369 374

©UŸ◊¥(∑§) ª˝Ê◊ËáÊ 298 276 280

(π) •h¸ ‡Ê„U⁄UË 51 77 78

(ª) ‡Ê„U⁄UË 13 16 16

(ÉÊ) ◊≈˛UÊ¬ÊÁ‹≈UŸ X X X

x. ∑È§‹ ∑§◊¸øÊ⁄Ë 1733 1748 1884

©Ÿ◊¥ •Áœ∑§Ê⁄Ë 761 797 974

y. ¡◊Ê 48831890 55313008

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 26.39 11.58 13.27

z. ©œÊ⁄ ’∑§ÊÿÊ 762204 1322633 1444041

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 1.34 73.52 9.18

{. ∑È§‹ ´§áÊ ÃÕÊ •Áª˝◊ ’∑§ÊÿÊ 20728263 26015645 31135260

flÎÁh ¬˝ÁÃ‡ÊÃ ◊¥ 28.09 25.50 19.68

i) ¬˝ÊÕÁ◊∑§ ˇÊòÊ ∑§Ê ´§áÊ 16517834 21723383 26181658

ii) ªÒ⁄U ¬˝ÊÕÁ◊∑§ ˇÊòÊ ∑§Ù ´§áÊ 4210429 4292262 4953602

iii) •.¡./•.¡.¡Ê. ∑§Ù ´§áÊ 3349650 4050418 4262897

iv) ‚∞»§/∞◊∞»§/∞∞‹ ∑§Ù ´§áÊ 6584308 8061042 11343829

v) •À¬‚¢Åÿ∑§ ‚◊ÈŒÊÿ ∑§Ù ´§áÊ 4124568 4782495 5374119

|. ©UœÊ⁄U-¡◊Ê •ŸÈ¬ÊÃ 47.36 53.28 56.29

}. ÁŸfl‡Ê ’∑§ÊÿÊ 25027897 25680435 26444116

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 30.64 2.61 2.97

∞‚∞‹•Ê⁄U ÁŸfl‡Ê ’∑§ÊÿÊ 13510132 13566371 13822051

ÇÊÒ⁄U-∞‚∞‹•Ê⁄U ’∑§ÊÿÊ 11517765 12114064 12622065

π. •ı‚Ã~. •ı‚Ã ¡◊Ê 37047426 44001835 50041284

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 24.44 18.77 13.73

vÆ. •ı‚Ã (©UœÊ⁄) 756440 821191 1174301

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 35.29 8.56 43.00

vv. •ı‚Ã ´§áÊ ÃÕÊ •Áª˝◊ 17751470 22770199 27832115

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 21.71 28.27 22.23

vw. •ı‚Ã ÁŸfl‡Ê 21003349 23720048 25689276

flÎÁh (¬˝ÁÃ‡ÊÃ ◊¥) 25.24 12.93 8.30

•ı‚Ã ¡◊Ê ∑§Ê •ı‚Ã ∞‚∞‹•Ê⁄U (¬˝ÁÃ‡ÊÃ ◊¥) 32.91 28.80 25.39

•ı‚Ã ¡◊Ê ∑§Ê •ı‚Ã ªÒ⁄U ∞‹∞‹•Ê⁄U (¬˝ÁÃ‡ÊÃ ◊¥) 23.78 25.11 25.94


778th A N N U A L R E P O R T, 2 0 1 2 - 1 3

vx. •ı‚Ã ∑§Êÿ¸‡ÊË‹ ÁŸÁœ 38700191 45719351 52111910

ª. ÁflûÊËÿ flcÊ¸ ∑§ Œı⁄UÊŸ ´§áÊ ¡Ê⁄UËvy. ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ ´§áÊ ¡Ê⁄UË 7434979 7424468 7041506

©U¬⁄UÙÄÃ vy ∑§Ê ¬˝ÊÕÁ◊∑§ ˇÊòÊ ∑§Ù ´§áÊ 5887797 6243579 5610429

©U¬⁄UÙÄÃ vy ∑§Ê ªÒ⁄U ¬˝ÊÕÁ◊∑§ ˇÊòÊ ∑§Ù ´§áÊ 1547182 1180889 1431077

©U¬⁄UÙÄÃ vy ∑§Ê •.¡Ê/•.¡.¡ÊÁÃ ∑§Ù ´§áÊ 722690 650008 421343

©U¬⁄UÙÄÃ vy ∑§Ê ∞‚∞»§/∞◊∞»§/∞∞‹ ∑§Ù ´§áÊ 2646883 2575966 3469718

©U¬⁄UÙÄÃ vy ∑§Ê •À¬‚¢Åÿ∑§Ù¥ ∑§Ù ´§áÊ 1446365 799188 603840

ÉÊ. vz. ©Uà¬ÊŒ∑§ÃÊ¬˝ÁÃ ‡ÊÊπÊ 178155 202839 231145

¬˝ÁÃ ∑§◊¸øÊ⁄UË 37214 42819 45885

æ . v{. fl‚Í‹Ë ÁŸc¬ÊŒŸ(•) ◊Ê¢ª 4906613 6025082 6737246

(•Ê) fl‚Í‹Ë 3456449 4222529 4928170

(ß) •ÁÃŒÿ 1450164 1802553 1809076

fl‚Í‹Ë ∑§Ê ¬˝ÁÃ‡ÊÃ (◊Êø¸ ∑§Ë ÁSÕÁÃ xv.Æx.wÆvx ) 70.44 70.08 73.15

v|. ∑Î§Á· ˇÊòÊ◊Ê¢ª 1098589 1252239 1638493

fl‚Í‹Ë 689542 780044 1013626

•ÁÃŒÿ 409047 472195 624867

fl‚Í‹Ë ∑§Ê ¬˝ÁÃ‡ÊÃ (◊Êø¸ ∑§Ë ÁSÕÁÃ xv.Æx.wÆvx) 62.76 62.29 61.86

v}. ÇÊÒ⁄U-∑Î§Á· ˇÊòÊ◊Ê¢ª 4455667 4772843 5098753

fl‚Í‹Ë 3215807 3442485 3914544

•ÁÃŒÿ 1239860 1330358 1184209

fl‚Í‹Ë ∑§Ê ¬˝ÁÃ‡ÊÃ 72.17 72.13 76.77

ø. v~. •ÊÁSÃ flªË¸∑§⁄UáÊ(•) ◊ÊŸ∑§ 19549069 24462967 29230496

(•Ê) •fl◊ÊŸ∑§ 495098 631252 628393

(ß) ‚¢ÁŒÇœ 664902 910313 1266494

(ß¸) „UÊÁŸ 19194 11113 9877

∑È§‹ 20728263 26015645 31135260

wÆ. ◊ÊŸ∑§ •ÊÁSÃ (¬˝ÁÃ‡ÊÃ ◊¥) ∑È§‹ ´§áÊ ÃÕÊ •Áª˝◊ ∑§Ë ÃÈ‹ŸÊ ◊¥

94.31 94.03 93.88

78 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

¿U. ‹Ê÷ ∑§Ê Áfl‡‹·áÊwv éÿÊ¡ ÷ÈÇÊÃÊŸ Á∑§ÿÊ ÇÊÿÊ

(•) ¡◊Ê 1560574 2233396 2582524

(•Ê) ©UœÊ⁄U 51555 64630 70590

ww. ∑§◊¸øÊ⁄UË πø¸ 821789 931380 1158827

wx. •ãÿ ¬Á⁄UøÊ‹Ÿ πø¸ 231406 473393 452771

wy. ÁflûÊËÿ fl·¸ ∑§ Œı⁄UÊŸ Á∑§∞ ª∞ ¬˝ÊflœÊŸ(•) ªÒ⁄U ÁŸc¬ÊŒ∑§ •ÊÁSÃÿÙ¥ ∑§ ÁflL§h 80148 210525 286535

(•Ê) •ãÿ ¬˝ÊflœÊŸ 140752 99447 13476

wz. éÿÊ¡ ¬˝ÊåÃ(•) ´§áÊ ÃÕÊ •Áª˝◊ 1717294 2513789 3128947

(•Ê) •ãÿ ’Ò¥∑§Ù¥ ◊¥ øÊ‹Í πÊÃÊ XXX XXX XXX

(ß) ÁŸfl‡Ê / SflË∑Î§Ã ¬˝ÁÃèÊÍÁÃÿÊ¢ 1439334 1940737 2233326

w{. ÁflÁflœ •Êÿ 239679 339888 280453

w|. ‹Ê÷ / „UÊÁŸ 510081 781643 1078003

¡. •ãÿ ¡ÊŸ∑§Ê⁄UËw}. ‡Êÿ⁄U ¬Í¢¡Ë ¡◊Ê 856325 856325 856325

w~. ‚¢ÁøÃ „UÊÁŸ ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿxÆ. ‚È⁄UÁˇÊÃ 736367 1276483 2020304

Encouraging brilliance-felicitating meritorious students


798th A N N U A L R E P O R T, 2 0 1 2 - 1 3

ÿÍ.‚Ë. ◊¡Í◊ŒÊ⁄U ∞¢«U ∑¢§¬ŸË‚ŸŒË ‹πÊ∑§Ê⁄U

‹πÊ∑§Ê⁄U ∑§Ë Á⁄U¬Ù≈¸U

’Ò¥∑§ ∑§ ‚ŒSÿªáÊ ∑§ ¬˝ÁÃ

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w. ’Ò¥∑§ ¬˝éÊ¢œŸ ßŸ ÁflûÊËÿ Áflfl⁄UáÊÙ¥ ∑§ ’Ê⁄U ◊¥ ’Ò¥Á∑¢§ÇÊ ÁŸÿÊ◊∑§ •ÁœÁŸÿ◊ v~y~ ∑§ Ã„UÃ ©UŸ∑§Ë ÃÒÿÊ⁄UË ∑§ Á‹∞ Á¡ê◊ŒÊ⁄U „ÒU– ß‚ ¡flÊ’Œ„UË ◊¥ ‚¢’¢ÁœÃ ÁflûÊËÿ Áflfl⁄UáÊ ∑§Ë Á«U¡ÊßŸ, Á∑˝§ÿÊãflÿŸ •ı⁄U •Ê¢ÃÁ⁄U∑§ ÁŸÿ¢òÊáÊ ∑§Ë √ÿflSÕÊ •ÊÁŒ ‡ÊÊÁ◊‹ „ÒU– ßŸ ◊ÊŸ∑§Ù¥ ◊¥ ÖÊM§⁄UË „ÒU Á∑§ •¢∑§ˇÊáÊ ß‚ ¬˝∑§Ê⁄U ÁŸÿÙÁ¡Ã ∞fl¢ Á∑˝§ÿÊÁãflÃ „ÈU•Ê „ÒU ÄÿÙ¥Á∑§ ß‚∑§Ê ‚◊ÈÁøÃ •Ê‡flÊ‚Ÿ ©U¬‹éœ „UÙ ‚∑§ Á∑§ ‚¢’¢ÁœÃ ÁflûÊËÿ Áflfl⁄UáÊ ÃâÿÇÊÃ ª‹Ã’ÿÊŸË ‚ ◊ÈÄÃ „Ò¥U–

x. „U◊Ê⁄UË Á¡ê◊ŒÊ⁄UË ßŸ ÁflûÊËÿ Áflfl⁄UáÊÙ¥ ¬⁄U „U◊Ê⁄UË ‹πÊ ¬⁄UËˇÊÊ ¬⁄U •ÊœÊÁ⁄UÃ ⁄UÊÿ ¡ÊÁ„U⁄U ∑§⁄UŸ Ã∑§ „ÒU– „U◊Ÿ ß¢S≈UËëÿÍ≈U •Ê»§ øÊ≈¸U«¸U ∞∑§Ê©¢U≈¥U≈˜U‚ •Ê»§ ß¢Á«UÿÊ ∑§ ‹πÊ◊ÊŸ∑§ ∑§ •ŸÈM§¬ •¬ŸÊ •¢∑§ˇÊáÊ Á∑§ÿÊ „ÒU– ßŸ ◊ÊŸ∑§Ù¥ ◊¥ ¡M§⁄UË „ÒU Á∑§ „U◊ •¢∑§ˇÊáÊ ∑§Ù ◊Í‹èÊÍÃ ¡M§⁄UÃÙ¥ ∑§ ‚ÊâÊ ∑§⁄¢U •ı⁄U •Ê‡flSÃ „UÙ¥ Á∑§ ‚¢’¢ÁœÃ ÁflûÊËÿ Áflfl⁄UáÊÙ¥ ◊¥ Á∑§‚Ë ¬˝∑§Ê⁄U ∑§Ë flSÃÈªÃ ª‹Ã’ÿÊŸË Ÿ„UË¥ „ÒU– ∞∑§ •¢∑§ˇÊ∑§ ◊¥ ¬˝’¢œŸ mÊ⁄UÊ Ãÿ ‹πÊ Á‚hÊ¢ÃÙ¥ •ı⁄U ◊„Uûfl¬ÍáÊ¸ ¬Á⁄U∑§‹Ÿ ∑§ ‚ÊÕ ‚◊ª˝ ÁflûÊËÿ Áflfl⁄UáÊ ¬˝SÃÈÁÃ ∑§⁄U ◊ÍÀÿÊ¢∑§Ÿ èÊË ‡ÊÊÁ◊‹ „ÒU– „U◊¥ Áfl‡flÊ‚ „ÒU Á∑§ „U◊Ê⁄UÊ •¢∑§ˇÊáÊ „U◊Ê⁄UË •flœÊ⁄UáÊÊ ∑§Ù Ã∑¸§‚¢ªÃ •ÊœÊ⁄U ¬˝ŒÊŸ ∑§⁄UÃÊ „ÒU–

y. ÃÈ‹Ÿ¬òÊ •ı⁄U ‹Ê÷-„UÊÁŸ πÊÃÊ ’Ò¥Á∑¢§ÇÊ ÁŸÿÊ◊∑§ •ÁœÁŸÿ◊ v~y~ ∑§Ë ÃË‚⁄UË •ŸÈ‚ÍëÊË ∑§ ¬˝ÊM§¬ “∞” •ı⁄U “’Ë” ◊¥ ∑˝§◊‡Ê— ©UÁÀ‹ÁπÃ „ÒU–

z. πÊÃÙ¥ ¬⁄ „◊Ê⁄Ê ÁŸc∑§·¸ „Ò —

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80 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

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(∑§) „U◊Ê⁄U ÁfløÊ⁄U ◊¥, •ı⁄U „U◊Ê⁄UË •ë¿UË ¡ÊŸ∑§Ê⁄UË ◊¥ •ı⁄U ’Ò¥∑§ ∑§Ë ’„UËπÊÃÙ¥ mÊ⁄UÊ Œ‡ÊÊ¸ß¸ ÇÊß¸ „U◊¥ Á◊‹Ë ¡ÊŸ∑§ÊÁ⁄UÿÙ¥ ∑§ ◊ÈÃÊÁéÊ∑§ —

(i) ÃÈ‹Ÿ ¬òÊ, ©U‚◊¥ Œ¡¸ ŸÙ≈U˜Ô‚ ∑§ ‚ÊâÊ ¬…∏U¥, ‚÷Ë ¡M§⁄UË Áflfl⁄UáÊÙ¥ ∑§ ‚ÊÕ ¬Í⁄UË Ã⁄U„U ‚È¢Œ⁄U ÃÈ‹Ÿ ¬òÊ „ÒU, ‚◊ÈÁëÊÃ M§¬ ‚ ß‚ ¬˝∑§Ê⁄U ÃÒÿÊ⁄U ∑§Ë ÇÊß¸ „UÒ Á∑§ xv ◊ÊëÊ¸ wÆvx Ã∑§ ’Ò¥∑§ ∑§ ◊Ê◊‹Ù¥ ∑§Ê ‚„UË •ı⁄U ‚È¢Œ⁄U éÿı⁄UÊ Á◊‹ ‚∑§, •ı⁄U

(ii) ©UÄÃ ÁÃÁÕ ∑§Ù ‚◊ÊåÃ „UÙŸ flÊ‹ fl·¸ ∑§ Á‹∞ ‹Ê÷ •ı⁄U „UÊÁŸ ∑§Ê ‚àÿ Áflfl⁄UáÊ Œ‡ÊÊ¸ÿÊ ªÿÊ „ÒU–

(π) „U◊¥ ◊„U‚Í‚ „UÙÃÊ „ÒU Á∑§ „U◊Ê⁄UË ‚◊SÃ ¡ÊŸ∑§Ê⁄UË ◊¥ •ı⁄U „U◊Ê⁄U ÷⁄UÙ‚ ∑§ ◊ÈÃÊÁ’∑§ „U◊¥ ŒË ªß¸ ‚÷Ë ‚ÍëÊŸÊ•Ù¥ ÃÕÊ Áflfl⁄UáÊ ‚¢ÃÙ·¡Ÿ∑§ „ÒU –

(ÇÊ) „U◊Ê⁄U ÁfløÊ⁄U ◊¥ ÃÈ‹Ÿ ¬òÊ •ı⁄U ‹Ê÷ ∞fl¢ „UÊÁŸ ∑§Ê ‹πÊ ß¢S≈UË≈KÍ≈U •Ê»§ øÊ≈¸U⁄U ∞∑§Ê©U¢≈¥U≈U •Ê»§ ß¢Á«UÿÊ ∑§ éÊÒ¥∑§ ¬⁄U ‹ÊªÍ „UÙŸ flÊ‹ ‹πÊ ◊ÊŸ∑§Ù¢ ∑§ •ŸÈM§¬ „ÒU

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84 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Áflfl⁄UáÊ 31.03.2012 ⁄UÊÁ‡Ê (L§.) ◊¥ 31.03.2011 ⁄UÊÁ‡Ê (L§.) ◊¥•Ê. i) ¡◊Ê ⁄UÊÁ‡ÊÿÊ¢ ÷Ê⁄UÃ ∑§Ë ‡ÊÊπÊ•Ù¥ ◊¥ 55313007685.76 48831890000.72

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858th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Áflfl⁄UáÊ 31.03.2012 ⁄UÊÁ‡Ê (L§.) ◊¥ 31.03.2011 ⁄UÊÁ‡Ê (L§.) ◊¥•ŸÈ‚ÍëÊË —Æ~— •Áª˝◊•. i) π⁄UËŒ •ı⁄U ÷ÈŸÊ∞ ª∞ Á’‹ 0.00 0.00

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86 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Áflfl⁄UáÊ 31.03.2012 ⁄UÊÁ‡Ê (L§.) ◊¥ 31.03.2011 ⁄UÊÁ‡Ê (L§.) ◊¥vi) •ãÿ (‚¥‹ÇŸ∑§ IV ∑§ •ŸÈ‚Ê⁄U) 189274918.72 88432756.02

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iv) ÷Ê⁄UÃ ◊¢ ÉÊ≈U∑§Ù¥ ∑§Ë •Ù⁄U ‚ ŒË ÇÊß¸ ªÊ⁄¢U≈UË 91422929.00 77642494.00

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∑È§‹ ` 1611597324.34 1396917460.62


878th A N N U A L R E P O R T, 2 0 1 2 - 1 3

•ŸÈ’h ‚ÊÁ⁄UáÊË ‚ ÁŸÁ◊¸Ã ÃÈ‹Ÿ ¬òÊ ∑§ xv ◊Êø¸ wÆvx Ã∑§ ∑§Ê •¢‡Ê‚¥‹ÇŸ∑§- I

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88 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3


∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥31.03.2012

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ÁflÁœ ¬˝÷Ê⁄U ¬˝àÿÊ„U⁄UáÊËÿ πÊÃÊ (¬˝ÊflœÊŸ ∑§ ’ÊŒ) 693788.37 653100.62

◊Ë≈U⁄U, ≈U‹Ë»§ÙŸ ÃÕÊ ∞»§ ◊‡ÊËŸ ∑§ Á‹∞ ‚È⁄UÁˇÊÃ ¡◊Ê 2426084.99 2345426.99

‚◊Ê‡ÊÊœŸ ‚◊ÊÿÙ¡Ÿ πÊÃÊ 1941958.00 25849.00

¬˝·áÊ/ ≈˛UÊ¢Á¡≈U ◊¥ •Ù‚Ë‚Ë 120300585.02 28918047.25

¬˝ÊåÃ ∑§⁄UŸ ÿÙÇÿ ¡Ë∞‚∞‹•Êß¸ 10780.00 5810.00

¬˝Ë¬«U ’Ë◊Ê 10009.00 10009.00

∑§◊Ë‡ÊŸ ⁄Uã≈U •ÊÁŒ ¬˝Êåÿ 1525.00 13757.00

•Áª˝◊ ‹Êß‚¥‚ ‡ÊÈÀ∑§ Œÿ 968520.00 0.00

∑È§‹ ` 189274918.72 88432756.02

xv ◊Êø¸ wÆvx ∑§Ù •ŸÈ’h ‚ÊÁ⁄UáÊË ÃÕÊ ÃÈ‹Ÿ ¬òÊ ∑§Ê •¢‡Ê‚¥‹ÇŸ∑§ : IV : •ãÿ ¬Á⁄U‚¢¬ÁûÊÿÊ¥ ∑§Ê Áflfl⁄UáÊ (¬˝ÊflœÊŸ ‚Á„UÃ)

xv ◊Êø¸ wÆvx ∑§Ù πà◊ fl·¸ ∑§ Á‹∞ •ŸÈ’Œ˜œ ‚Ê⁄UáÊË ÃÕÊ ‹Ê÷-„UÊÁŸ πÊÃ ∑§Ê •¢‡Ê‚¥‹ÇŸ∑§ : V : ÁflÁflœ •Êÿ ∑§Ê éÿı⁄UÊ


∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥31.03.2012

∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥•Ê∑§ÁS◊∑§ ‡ÊÈÀ∑§ 70627079.30 76553667.66

‚flÊ ‡ÊÈÀ∑§ 35916238.94 73839726.65

¬ÈŸ◊Í¸ÀÿÊ¢∑§Ÿ ∞fl¢ ¬˝Á∑˝§ÿÊ ‡ÊÈÀ∑§ 37744277.50 38842744.54

‹ÊÚ∑§⁄U Á∑§⁄UÊÿÊ 526332.00 503711.63

⁄U»§⁄U‹ ‡ÊÈÀ∑§ 1966750.00 3109442.00

¬È⁄UÊŸ •π’Ê⁄UÙ¥ ∑§Ë Á’∑˝§Ë ¬⁄U •Êÿ ßàÿÊÁŒ 9741.00 81405.72

’≈˜UÔ≈ πÊÃ ◊¥ «UÊ‹ •‡ÊÙäÿ ´§áÊ ∑§Ë fl‚Í‹Ë 7402260.63 7078331.20

¬ÒŸ‹ éÿÊ¡ 46121709.61 42731605.68

’¢œ∑§ ‡ÊÈÀ∑§ 4964947.90 2811435.35

∑È§‹ ` 205279336.88 245552070.43

¬˝ÊflœÊŸ ∞fl¢ •Ê∑§ÁS◊∑§ πø¸ ∑§Ê Áflfl⁄UáÊ


∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥31.03.2012

∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥ÁŸfl‡Ê ¬⁄U ◊ÍÀÿ OÊ‚ 0.00 72852952.00

∞Ÿ¬Ë∞ ∑§ Áfl¬⁄UËÃ ¬˝ÊflœÊŸ 286535159.47 210524903.6

◊ÊŸ∑§ •Áª˝◊ ∑§ Áfl¬⁄UËÃ ¬˝ÊflœÊŸ 13425631.00 13561377.00

ŒÈL§¬ÿÙª/¡Ê‹‚Ê¡Ë ‚ ˇÊÁÃ ∑§ Áfl¬⁄UËÃ ¬˝ÊflœÊŸ 50762.00 13032819.02

∑È§‹ ` 300011552.47 309972051.66


898th A N N U A L R E P O R T, 2 0 1 2 - 1 3


∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥31.03.2012

∑§Ù ⁄UÊÁ‡Ê (L§.) ◊¥¬˝·áÊ √ÿÿ 9715105.00 9095932.20

∑§◊Ë‡ÊŸ ÃÕÊ •ãÿ ’Ò¥∑§ ‡ÊÈÀ∑§ 557809.32 213704.04

‚◊Ê‡ÊÙœŸ ÉÊ⁄U Á∑§⁄UÊÿÊ 871108.68 1155252.44

‚◊ÊøÊ⁄U ¬òÊ ∞fl¢ ¬ÁòÊ∑§Ê∞¢ 378514.00 285640.27

‚»§Êß¸ ¬˝’¢œ 19735599.03 14635843.00

◊ŸÙ⁄¢U¡Ÿ 61605.00 55821.50

’Ò∆U∑§ πø¸ 551462.00 478550.00

¬Õ πø¸ 4160578.60 2498436.47

ÿÊòÊÊ πø¸ 12541979.31 13363766.14

◊Ê‹ ÷Ê«∏UÊ ∞fl¢ ∑È§‹Ë 536896.00 744323.00

√ÿfl‚Êÿ Áfl∑§Ê‚ 2119527.16 1223798.75

«UË•Êß¸‚Ë¡Ë‚Ë•Êß¸ ◊¥ ¡◊Ê ∑§Ê ’Ë◊Ê 43533787.00 37983266.00

¬˝Á‡ÊˇÊáÊ ‹ÊªÃ 595872.00 2696551.01

¬⁄UËˇÊÊ ‹ÊªÃ 0.00 265204.50

‚¢SÕÊªÃ ‚ŒSÿÃÊ ‡ÊÈÀ∑§ 78180.00 140579.00

¬˝Êà‚Ê„ÊŸ ∞fl¥ ◊ÊŸŒÿ 225000.00 239666.67

ª˝ëÿÍ≈UË ¬˝ËÁ◊ÿ◊ 170000000.00 170000000.00

•‡ÊÙäÿ ´§áÊ ∑§ Áfl¬⁄UËÃ ’≈˜UÔ≈U πÊÃ ◊¥ «UÊ‹ŸÊ 0.00 8304419.55

ŒÊŸ/∑§Ê¬Ê¸⁄‘U≈U ‚Ê◊ÊÁ¡∑§ ©UûÊ⁄UŒÊÁÿàfl 12500000.00 1000000.00

¬˝‡ÊÊ‚ÁŸ∑§ ‡ÊÈÀ∑§ ß¸¬Ë∞»§ 1648522.00 1504427.00

‚◊Í„U éÊË◊Ê ß¸«UË∞‹•Êß¸ 2000000.00 1459642.00

∑§◊¸øÊ⁄UË ∑§ÀÿÊáÊ (•ŸÈª˝„U) 105000.00 8954759.00

‚Ë’Ë∞‚/‚Ë’Ë∞‚ •ãÿ ¬⁄U ∑È§‹ πø¸ 9587058.00 36941879.00

∑È§‹ ` 291503603.10 313241461.54

xv ◊Êø¸ wÆvx ∑§Ù ‚◊ÊåÃ fl·¸ ◊¥ •ŸÈ’h ‚¢‹ÇŸ ÃÕÊ ‹Ê÷ fl „UÊÁŸ πÊÃ ∑§Ê •¥‡Ê‚¥‹ÇŸ∑§ : VI : •ãÿ √ÿÿ ∑§Ê éÿı⁄UÊ

A section of the audience in the State Level Credit Camp-2013

90 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

Ô•‚◊ ª˝Ê◊ËáÊ Áfl∑§Ê‚ ’Ò¥∑§◊ÈÅÿÊ‹ÿ, ªÈflÊ„UÊ≈UË, •‚◊

•ŸÈ‚ÍøË-v|fl·¸ wÆvw-vx ∑§ Á‹∞ ÃÈ‹Ÿ ¬òÊ ÃÕÊ ‹Ê÷-„UÊÁŸ πÊÃ ¬⁄U Á≈Uå¬ÁáÊÿÊ¥(∑§) ◊„àfl¬ÍáÊ¸ ‹πÊ ŸËÁÃÿÊ¥v. ‹πÊ ¬⁄¢U¬⁄UÊ — ÁflûÊËÿ Áflfl⁄UÁáÊÿÊ¢ ¬⁄¢U¬⁄UÊÇÊÃ ‹ÊªÃ ∑§ •ÊœÊ⁄U ¬⁄U ÃÒÿÊ⁄U ∑§Ë ÇÊß¸ „Ò¥U •ı⁄U •ãÿòÊ ‚ÍÁøÃ Á∑§∞ ∑§Ù ¿UÙ«∏U∑§⁄U ‚Ê¢ÁflÁœ∑§ ¬˝ÊflœÊŸ ∞fl¢ ◊ı¡ÍŒ ¬˝áÊÊÁ‹ÿÙ¥

∑§ Á‚hÊ¢Ã ¬⁄U •ÊœÊÁ⁄UÃ „Ò¥U–w. (•) ÁŸfl‡Ê-◊ÍÀÿÊ¢∑§Ÿ ∑§Ê •ÊœÊ⁄U —(∑§) ‚÷Ë ÁŸfl‡Ê ªÒ⁄ ÁŸc¬Êº∑§ ÁŸfl‡ÊÙ¥ ∑§ Áfl¬⁄ËÃ ‹ÊªÃ ÃÕÊ ¬˝ÊflœÊŸ ¬⁄ Á∑§∞ ª∞ „Ò¥– ß‚∑§ •‹ÊflÊ •Ê⁄Ë’Ë•Êß¸ ∑§ Áº‡ÊÊ-ÁŸº¸‡Ê ∑§ •ŸÈ‚Ê⁄ “„À«

»§Ê⁄ ≈˛ÁŸ¢ª” •ÊÒ⁄ “•fl‹’‹ »§Ê⁄ ‚‹ ∑Ò§≈ÙªÙ⁄Ë¡” ∑§ •¢Ãª¸Ã flªË¸∑Î§Ã ‚⁄∑§Ê⁄Ë ¬˝ÁÃ÷ÍÁÃÿÙ¥ ∑§ Áfl¬⁄ËÃ •fl◊ÍÀÿŸ ÷Ë Á∑§ÿÊ ªÿÊ „Ò– ÃÈ‹Ÿ-¬òÊ ◊¥ ÁŸfl‡Ê ∑§Ê ◊ÍÀÿ, ◊ÍÀÿ OÊ‚ ∞fl¥ ¬Á⁄U‡ÊÊœŸ ∑§Ê ‚Ê◊¥¡Ÿ ∑§⁄UŸ ∑§ ’ÊŒ ÁŒÿÊ ªÿÊ „Ò–

(π) ÁŸfl‡Ê ∑§Ë Á’∑˝§Ë ¬⁄ ‹Ê÷ fl „ÊÁŸ ∑§Ù ‹Ê÷ fl „ÊÁŸ πÊÃ ◊¥ «Ê‹Ê ªÿÊ „Ò–(ª) ‚⁄∑§Ê⁄Ë ¬˝ÁÃ÷ÍÁÃÿÙ¥ ¬⁄ ¬˝ÊåÃ •¬ÍáÊ¸∑§ÊÁ‹∑§ éÿÊ¡ ‹Ê÷ fl „ÊÁŸ πÊÃ ◊¥ ‹ ¡ÊÿÊ ªÿÊ •ı⁄U ß‚Ë Ã⁄U„U º‹Ê‹Ë, ∑§◊Ë‡ÊŸ •ÊÒ⁄ •¬ÍáÊ¸∑§ÊÁ‹∑§ éÿÊ¡

•ºÊÿªË ‹Ê÷ fl „ÊÁŸ πÊÃ ◊¥ ªÿÊ–w. (’) Ÿ∑§Œ ’Ë◊Ê — (∑§) ’Ë◊Ê ÁŸ¬≈UÊŸ Ÿ∑§Œ •ÊœÊ⁄U ¬⁄U Á∑§ÿÊ ÇÊÿÊ– (π) ’Ò¥∑§‚¸ ∑§Ë ˇÊÁÃ¬ÍÁÃ¸ ¬ÊÁ‹‚Ë ∑§ Ã„UÃ Á∑§‡Ã ∑§Ê ÷ÈªÃÊŸ flÊSÃÁfl∑§ ÷ÈÇÊÃÊŸ •ÊœÊ⁄U ¬⁄U „ÈU•Ê–x. •Áª˝◊ •Ê⁄’Ë•Êß mÊ⁄Ê ¡Ê⁄Ë ‡ÊÃÙZ ∑§ •ŸÈ‚Ê⁄ ‚÷Ë •Áª◊Ù¥ ∑§Ù ÁŸc¬Êº∑§ fl ªÒ⁄U ÁŸc¬ÊŒ∑§ ◊¥ flªË∑Î§Ã Á∑§ÿÊ ªÿÊ „Ò– ªÒ⁄ ÁŸc¬Êº∑§ •Áª◊ ∑§Ù •fl◊ÊŸ∑§,

‚¢ÁºÇœ ÃÕÊ „ÊÁŸ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ◊¥ flªË∑Î§Ã Á∑§ÿÊ ªÿÊ „Ò– ‚÷Ë ¬ÊflœÊŸÙ¥ ∑§Ù •Ê⁄’Ë•Êß mÊ⁄Ê ¡Ê⁄Ë ÁŸº‡ÊÙ¥ ∑§ ºÊÿ⁄ ◊¥ ⁄πÊ ªÿÊ „Ò, ¡Ê ß‚ ¬∑§Ê⁄U „Ò-x.v (∑§) ∑Î§Á· ÃÕÊ ∞‚∞◊ß¸ ∑§ Á‹∞ ◊ÊŸ∑§ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ¬⁄U Æ.wz' ∑§Ë º⁄ ‚ ÃÕÊ •ãÿ ¬Á⁄‚¢¬ÁûÊÿÊ¥ ¬⁄U Æ.yÆ' ∑§Ë º⁄ ¬⁄ ⁄πË ªß¸ „Ò¥– ¡’Á∑§ Á⁄Uÿ‹

ßS≈U≈U ¬⁄U v' ∑§Ë Œ⁄U ‚ ªáÊŸÊ ∑§Ë ªß¸ „ÒU, ¡Ù •Ê⁄U’Ë•Êß¸ ∑§ ÁŸÿ◊ ∑§ •ŸÈ∑Í§‹ „ÒU–(π) •fl◊ÊŸ∑§ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ¬⁄U ‡Ê· ’∑§Ê∞ ¬⁄U vz' ∑§Ë º⁄ ‚ (ª) ‚¢ÁºÇœ ¬Á⁄‚¢¬ÁûÊÿÊ¢– üÊáÊË «Ë-I wz' ‚È⁄ÁˇÊÃ •¢‡Ê ¬⁄ ÃÕÊ vÆÆ' •‚È⁄ÁˇÊÃ •¢‡Ê ¬⁄– üÊáÊË «Ë-II zÆ' ‚È⁄ÁˇÊÃ •¢‡Ê ¬⁄ ÃÕÊ vÆÆ' •‚È⁄ÁˇÊÃ •¢‡Ê ¬⁄– üÊáÊË «Ë-III ‚È⁄ÁˇÊÃ ∑§ ÁŸ⁄¬ˇÊ •Áª˝◊ ’∑§ÊÿÊ ¬⁄ vÆÆ' –(ÉÊ) „UÊÁŸ ¬Á⁄U‚¢¬ÁûÊÿÊ¢- vÆÆ' ∑§Ë Œ⁄U ‚ ‚È⁄ÁˇÊÃ ∑§ ÁŸ⁄¬ˇÊ •Áª˝◊ ’∑§ÊÿÊ ¬⁄– x.w ªÒ⁄ ÁŸc¬Êº∑§ ∑§ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ∑§ Á‹∞ §áÊÙ¥ ∑§ ¬ÍáÊ¸ ¬˝ÊflœÊŸË∑Î§Ã Áflfl⁄áÊ Áº∞ ª∞ „Ò¥– ◊ÊŸ∑§ •Áª˝◊Ù¥ ∑§ Á‹∞ Á∑§∞ ª∞ ¬˝ÊflœÊŸ •ãÿ ºÿÃÊ•Ù¥

ÃÕÊ ◊ÊŸ∑§ ◊¥ ‡ÊÊÁ◊‹ Á∑§∞ ª∞ „Ò¥–y. •ø‹ ¬Á⁄‚¢¬ÁûÊÿÊ¢ ∞fl¢ ◊ÍÀÿ OÊ‚ —

•ø‹ ¬Á⁄‚¢¬ÁûÊÿÊ¢ ◊ÍÀÿ OÊ‚ ¬⁄ ©ÁÀ‹ÁπÃ „Ò¥– ’Ò¥∑§ ∑§ ‚È¤ÊÊfl ∑§ •ŸÈ‚Ê⁄ ◊ÍÀÿ OÊ‚ Á‹ÁπÃ ¬˝ÊflœÊŸ ◊ÍÀÿ/ ‚⁄‹ ¬hÁÃ ∑§ •ŸÈM§¬ Á∑§ÿÊ ¡ÊÃÊ „Ò– fl·¸ ∑§ ºı⁄ÊŸ π⁄ËºË ªß¸ ¬Á⁄‚¢¬ÁûÊÿÊ¥,

ß‚ ¬˝∑§Ê⁄ ∑§Ë ¬Á⁄‚¢¬ÁûÊÿÙ¥ ∑§Ê ◊ÍÀÿ OÊ‚ ÿÕÊŸÈ¬ÊÃ ¬⁄ •ÊœÊÁ⁄Ã „Ò •ÕÊ¸Ã fl·¸ ∑§ •¢Ã Ã∑§ π⁄Ëº ∑§Ë ÁÃÁÕ ‚ ÁºŸÙ¥ ∑§Ë ‚¢ÅÿÊ ∑§ Á‹∞– ß‚∑§ •ÁÃÁ⁄ÄÃ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ¬⁄ fl·¸ ∑§ ºı⁄ÊŸ ◊ÍÀÿ OÊ‚ Ÿ„Ë¥ ©¬‹éœ ∑§⁄ÊÿÊ ªÿÊ, ¡Ù Á∑§ fl·¸ ∑§ ºı⁄ÊŸ ©¬ÿÙª ∑§Ë •flÁœ ∑§ Á‹∞ ÁŸ⁄¬ˇÊ M§¬ ‚ Á’∑˝§Ë •‹ª ∑§⁄ Áº∞ ª∞–

fl·¸ ∑§ ºı⁄ÊŸ ¬˝÷ÊÁ⁄Ã ◊ÍÀÿ OÊ‚ º⁄ ß‚ ¬˝∑§Ê⁄ „Ò —1 ¬Á⁄U‚⁄U 5%

2 »§ŸË¸ø⁄U fl ©U¬S∑§⁄U 19%

3 Á’¡‹Ë Á»§Á≈¢ª 14%

4 ∑§ÊÿÊ¸‹ÿ „ÃÈ ◊‡ÊËŸ 14%

5 ◊Ù≈⁄ ªÊ«U∏Ë/flÒŸ 26%

6 ‚ÊßÁ∑§‹ 20%

7 ‹Ê∑§⁄ 10%

8 ∑¢§åÿÍ≈⁄ (‚⁄‹ ¬˝Á∑˝§ÿÊ ÁflÁœ ¬⁄) 33.33%


918th A N N U A L R E P O R T, 2 0 1 2 - 1 3

z. ⁄Ê¡Sfl ∑§Ë ◊ÊãÿÃÊ —(∑§) ÁŸêŸÊ¢Á∑§Ã ∑§Ù ¿UÙ«U∏∑§⁄ •Êÿ •ÊÒ⁄ √ÿÿ ∑§Ë ªáÊŸÊ ©¬øÿ ∑§ •ÊœÊ⁄ ¬⁄ ∑§Ë ªß¸ „Ò–(π) ªÒ⁄ ÁŸc¬ÊÁºÃ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ∑§Ù ¿UÙ«U∏∑§⁄, ÷Ê⁄ÃËÿ Á⁄¡fl¸ ’Ò¥∑§/ŸÊ’Ê«¸ ∑§ Áº‡ÊÊ-ÁŸº¸‡Ê ∑§ •ŸÈ‚Ê⁄ ’∑§ÊÿÊ ´§áÊ ⁄ÊÁ‡Ê ÃÕÊ ÁŸfl‡Ê ¬⁄ fl‚Í‹ ∑§Ë ªß¸

éÿÊ¡ ∑§Ë ◊ÊãÿÃÊ ‚◊ÿ ‚◊ÊŸÈ¬ÊÃ ∑§ •ÊœÊ⁄ ¬⁄ Á∑§ÿÊ ªÿÊ „Ò– fl·¸ ∑§ ºı⁄ÊŸ Á¡Ÿ •Áª˝◊Ù¥ •ÊÒ⁄ ÁŸfl‡Ê ∑§Ù ªÒ⁄ ÁŸc¬ÊÁºÃ ¬Á⁄‚¢¬ÁûÊÿÙ¥ ∑§ M§¬ ◊¥ flªË¸∑§⁄áÊ Á∑§ÿÊ ªÿÊ ∞fl¢ ¬„‹Ë ’Ê⁄ fl·¸ ∑§ ºı⁄ÊŸ Á¡‚‚ •Êÿ Ÿ„Ë¥ Á∑§ÿÊ ªÿÊ, ß‚∑§Ê ¬Í⁄Ê ¬˝ÊflœÊŸ Á∑§ÿÊ ªÿÊ „Ò–

(ª) ∑§◊Ë‡ÊŸ, ©¬ÊÁ¡¸Ã ‹Ê∑§⁄ Á∑§⁄ÊÿÊ, ªÒ⁄-ÁŸc¬Êº∑§ ÁŸfl‡Ê ¬⁄ •Êÿ ¬Á⁄¬Äfl Á◊ÿÊºË ¡◊Ê ¬⁄ éÿÊ¡ Ÿ∑§ºË ∑§ •ÊœÊ⁄ ¬⁄ ∑§Ë ªß¸ „Ò–(ÉÊ) ’Ò¥∑§ ∑§Ê ‚¢øÊ‹Ÿ, ’Ò¥∑§ ∑§ ∑È§‹ ⁄Ê¡Sfl ∑§Ë ‹ª÷ª ~w.~v' •ŸÈ◊ÊÁŸÃ éÿÊ¡ •Êÿ ∑§ M§¬ ◊¥ ÁŸfl‡Ê/∑§Ù· ‚¢øÊ‹Ÿ ‚Á„Ã ∑§fl‹ ’Ò¥Á∑¢§ª ‚flÊ

©lÙª ◊¥ „Ò–{. ‚flÊÁŸflÎÁûÊ ‹Ê÷ — ’Ò¥∑§ mÊ⁄Ê ÁŸÿÁ◊Ã M§¬ ‚ ∞‹•Êß¸‚Ë mÊ⁄Ê ÁŸœÊ¸Á⁄Ã ª˝ÒëÿÈ≈Ë ∑§ Á‹∞ ¬˝ËÁ◊ÿ◊ ∑§Ê ‚Ê‹ÊŸÊ ÷ÈªÃÊŸ Á∑§ÿÊ ªÿÊ „Ò, Á¡‚‚ ÷Áflcÿ ◊¥ ŸÊÒ∑§⁄UË ‚

ÁŸflÎûÊ „ÊŸ flÊ‹ ∑§◊¸øÊ⁄UË ∑§Ê »§ÊÿŒÊ Á◊‹ ‚∑§– ’Ò¥∑§ ∑§◊¸øÊÁ⁄UÿÊ¥ ∑§Ë ÷‹Êß¸ ∑§ Á‹∞ ÁŸÿÁ◊Ã M§¬ ‚ ¬Ë.∞»§. ∑§Ë •ŒÊÿªË ∑§⁄UÃË „Ò–|. •ãÿ ¬˝ÊflœÊŸ — Á⁄¬Ù≈¸ ∑§ fl·¸ ∑§ •¢º⁄ œÙπÊœ«U∏Ë/ª’Ÿ ∑§ Áfl¬⁄ËÃ L§. zÆ,|{w.ÆÆ ∑§Ë ⁄ÊÁ‡Ê ©¬‹éœ ∑§⁄Êß¸ ªß¸ •ÊÒ⁄ ß‚∑§ ‚ÊÕ ’Ò¥∑§ mÊ⁄Ê •’ Ã∑§ ◊Ê‹Í◊ Á∑§∞

ª∞ œÙπÊœ«U∏Ë ∑§ ◊Ê◊‹ ◊¥ vÆÆ' Ã∑§ ¬˝ÊflœÊŸ Á∑§ÿÊ ªÿÊ „Ò–}. ∑§⁄ÊœÊŸ — ’Ò¥∑§ Ÿ ‹ÊªÍ º⁄ ‚ •Êÿ∑§⁄ ∑§ Á‹∞ ¬ÿÊ¸åÃ ¬˝ÊflœÊŸ Á∑§ÿÊ „Ò–~. ‹Ê÷ ∑§Ê •ŸÈ◊ÙºŸ — ∑§⁄ ∑§ ¬‡øÊÃ ‹Ê÷ ‚¢⁄UÁˇÊÃ ∑§⁄ Á‹ÿÊ ªÿÊ– ¬˝ÁÃ÷ÍÁÃÿÙ¥ ∑§Ë Á’∑˝§Ë mÊ⁄Ê ¬˝ÊåÃ ‹Ê÷ ∑§Ù ‚¢⁄ÁˇÊÃ ¬Í¢¡Ë ◊¥ •ŸÈ◊ÙÁºÃ Á∑§ÿÊ ªÿÊ, ‹Ê÷ ∑§Ê wÆ'

flÒœÊÁŸ∑§ Á⁄¡fl¸ •ÊÒ⁄ ‡Ê· ‚Ê◊Êãÿ Á⁄¡fl¸ ∑§ M§¬ ◊¥ •ŸÈ◊ÙÁºÃ „È•Ê–π. πÊÃÙ¥ ¬⁄ Á≈å¬ÁáÊÿÊ¢ —v. ‚◊ÊœÊŸ — •¢Ã⁄ ∑§ÊÿÊ¸‹ÿ/ •¢Ã⁄ ‡ÊÊπÊ ‹ŸºŸ ∑§Ë ’∑§ÊÿÊ ¬˝ÁflÁc≈ÿÙ¥ ∑§ ‚◊ÊœÊŸ/ ÁŸ∑§Ê‚Ë ∑§Ë Áº‡ÊÊ ◊¥ ◊„ûfl¬ÍáÊ¸ ¬˝ªÁÃ „Èß¸ „Ò– •¢Ã⁄U ‡ÊÊπÊ ‹Ÿ-ŒŸ ◊Ê◊‹

◊¥ «UÊ≈UÊ ß¢≈˛UË xÆ.Æ~wÆvw Ã∑§ ¬ÍáÊ¸ ∑§⁄U ‹Ë ªß¸ „ÒU– xv.Æx.wÆvx ∑§Ê§ ‚÷Ë ‡ÊÊπÊ•Ù¥ ∑§ ◊Ê◊‹Ù¥ ◊¥ xv.Æx.wÆvvv Ã∑§ ¡Ê⁄UË «˛UÊç≈U fl ÷ÈªÃÊŸ ∑§Ê Á◊‹ÊŸ ∑§⁄U Á‹ÿÊ ªÿÊ „ÒU– Æv.Æy.wÆvw ‚ ’Ò¥∑§ Ÿ ∑¥§º˝Ëÿ Á«U◊Ê¢≈U «˛UÊç≈U πÊÃÊ ∑§Ë ‡ÊÈL§•ÊÃ ∑§Ë „ÒU– ‚÷Ë Á«U◊Ê¢«U «˛UÊç≈U •ÊÒ⁄U •’ ß‚ πÊÃÊ ‚ ¡Ê⁄UË ∞fl¢ ÷ÈªÃÊŸ Á∑§∞ ¡ÊÃ „Ò¥U– v{.Æv.wÆÆ{ ‚ ’Ò¥∑§ mÊ⁄Ê Á«◊Ê¢« «˛Êç≈ ¡Ê⁄Ë ÃÕÊ ÷ÈªÃÊŸ ∑§⁄Ÿ ∑§ Á‹∞ Ÿß¸ ‹πÊ ¬˝áÊÊ‹Ë ‡ÊÈM§ ∑§Ë ªß¸– wx~ ‡ÊÊπÊ•Ù¥ ∑§Ù «˛Êç≈ ¡Ê⁄Ë ∑§⁄Ÿ Á‹∞ •Áœ∑Î§Ã Á∑§ÿÊ ªÿÊ •ÊÒ⁄ yz ‡ÊÊπÊ•Ù¥ ∑§Ù ©Ÿ∑§ ÷ÈªÃÊŸ „ÃÈ •Áœ∑Î§Ã Á∑§ÿÊ ªÿÊ– •¢Ã⁄ ‡ÊÊπÊ ‹Ÿ-ºŸ ∑§ ◊Ê◊‹ ◊¥ «Ê≈Ê ß¢≈˛Ë xv.vw.wÆvv Ã∑§ ¬ÍáÊ¸ ∑§⁄ ‹Ë ªß¸ „Ò– xv.Æx.wÆvx Ã∑§ ∑¥§º˝Ëÿ «UË«UË ∑§Ê ‚◊ÊœÊŸ ∑§⁄U Á‹ÿÊ ªÿÊ „ÒU– ‚÷Ë ‡ÊÊπÊ•Ù¥ ∑§ πÊÃÙ¥ ∑§Ë ‚¢ÃÈ‹Ÿ ¬ÈÁSÃ∑§Ê ∑§Ê ‚◊ÊœÊŸ ÷Ë ∑§⁄U Á‹ÿÊ ªÿÊ „ÒU–

w. ÁŸfl‡Ê — ÁŸfl‡Ê ∑§Ê flªË¸∑§⁄UáÊ (v) ‚⁄∑§Ê⁄Ë ¬˝ÁÃ÷ÍÁÃÿÊ¢ (w) •ãÿ SflË∑Î§Ã ¬˝ÁÃ÷ÍÁÃÿÊ¢ (x) ‡Êÿ⁄ (y) ’Ê¢« ∞fl¢ ´§áÊ¬òÊ •ı⁄U (z) •ãÿ ∑§ M§¬ ◊¥ ∑§Ë

ªß¸ „Ò–(∑§) ÷Ê⁄ÃËÿ Á⁄¡fl¸ ’Ò¥∑§ ∑§ Áº‡ÊÊ-ÁŸº¸‡Ê ∑§ •ŸÈ‚Ê⁄ ‚⁄∑§Ê⁄Ë ¬˝ÁÃ÷ÍÁÃÿÙ¥ ∑§ Ã„Ã ÁŸfl‡Ê ∑§Ë ß‚ ¬˝∑§Ê⁄ flªË¸∑Î§Ã Á∑§ÿÊ ªÿÊ „Ò (i) ¬Á⁄¬ÄflÃÊ ∑§ Á‹∞

•ÊSÕÁªÃ (ii) √ÿÊ¬Ê⁄ ∑§ Á‹∞ •ÊSÕÁªÃ •ı⁄U (iii) Á’∑˝§Ë ∑§ Á‹∞ ©¬‹éœ– ¬Á⁄¬ÄflÃÊ Ã∑§ •¬Ÿ ¬Ê‚ ⁄πŸ ∑§ ©g‡ÿ ‚ ’Ò¥∑§ mÊ⁄Ê ∑§Ë ªß¸ ¬˝ÁÃ÷ÍÁÃÿÙ¥ ∑§Ë “¬Á⁄¬ÄflÃÊ ∑§ Á‹∞ •ÊSÕÁªÃ” ∑§ M§¬ ◊¥ flªË¸∑Î§Ã Á∑§ÿÊ ªÿÊ „Ò– “√ÿÊ¬Ê⁄ ∑§ Á‹∞ •ÊSÕÁªÃ” üÊáÊË ∑§Ë ¬˝ÁÃ÷ÍÁÃÿÊ¢ ’Ò¥∑§ Ÿ √ÿÊ¬Ê⁄ ∑§ ©g‡ÿ ‚ ‹Ë „Ò, ¡Ù ¬˝ÁÃ÷ÍÁÃÿÊ¢ ©¬⁄ÙÄÃ ºÙŸÙ¥ üÊÁáÊÿÙ¥ ◊¥ Ÿ„Ë¥ •ÊÃË fl “Á’∑˝§Ë ∑§ Á‹∞ ©¬‹éœ” üÊáÊË ◊¥ flªË¸∑Î§Ã „Ò¥–

(π) “¬Á⁄¬ÄflÃÊ ∑§ Á‹∞ •ÊSÕÁªÃ” ∑§ Ã„Ã flªË¸∑Î§Ã ÁŸfl‡Ê ∑§Ù ‹ÊªÃ •ÊÒ⁄ ¬˝ËÁ◊ÿ◊ ¬⁄ •ª˝ÁŸÃ Á∑§ÿÊ ªÿÊ „Ò, ¡Ù √ÿÁÄÃ‡Ê— ¬˝ÁÃ÷ÍÁÃ ∑§Ë ¬Á⁄¬ÄflÃÊ ∑§Ë ’øË „Èß¸ •flÁœ ¬⁄ ∑˝§Á◊∑§ •¬Ê∑§⁄áÊ „Ò–

(ª) ’Ê¢«, ´§áÊ ¬òÊ, ‡Êÿ⁄ •ÊÒ⁄ •ãÿ ‹¢’Ë •flÁœ ∑§ Á‹∞ ÁŸfl‡ÊÙ¥ ∑§Ê ‹ÊªÃ ¬⁄ ◊ÍÀÿÊ¢∑§Ÿ Á∑§ÿÊ ªÿÊ „Ò–

92 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

x. •ÁÃÁ⁄ÄÃ ¬˝∑§≈Ÿ —•Ê⁄U’Ë•Êß¸/ŸÊ’Ê«¸ ∑§ Áº‡ÊÊ-ÁŸº¸‡ÊÙ¥ ∑§ ∑˝§◊ ◊¥ ¡Ê⁄Ë •ÁÃÁ⁄ÄÃ ¬˝∑§≈Ÿ ÁŸêŸ ¬˝∑§Ê⁄ ‚ „Ò —∑§. ¬Í¢¡Ë

∑˝§.‚¢. Áflfl⁄áÊ 31.03.2013 31.03.2012

i. ‚Ë•Ê⁄∞•Ê⁄ (%) 12.18 10.73

ii ‚Ë•Ê⁄∞•Ê⁄-≈Ëÿ⁄-I ¬Í¢¡Ë (%) 11.21 10.37

iii. ‚Ë•Ê⁄•Ê⁄ -≈Ëÿ⁄-II ¬Í¢¡Ë (%) 0.97 0.36

iv. ‡Êÿ⁄ œÊ⁄áÊ ∑§Ê ¬˝ÁÃ‡ÊÃ •. ÷Ê⁄Ã ‚⁄∑§Ê⁄ 50 50

•Ê. ⁄ÊÖÿ ‚⁄∑§Ê⁄ (•‚◊ ‚⁄∑§Ê⁄) 15 15

ß. ¬˝ÊÿÙ¡∑§ ’Ò¥∑§ (ÿÍŸÊß≈« ’Ò¥∑§ •Ê»§ ß¢Á«ÿÊ) 35 35

π. ÁŸfl‡Ê (L§. ‹Êπ)∑˝§.‚¢. Áflfl⁄áÊ 31.03.2013 31.03.2012

1. ÁŸfl‡Ê ∑§Ê ◊ÍÀÿ i. ÁŸfl‡Ê ∑§Ê ∑È§‹ ◊ÍÀÿ 255679.39 256804.35

ii ◊ÍÀÿ OÊ‚ ∑§ Á‹∞ ¬˝ÊflœÊŸ 7580.60 9850.04

iii. ÁŸfl‡Ê ∑§Ê ‡ÊÈh ◊ÍÀÿ 248098.79 246954.31

2. ÁŸfl‡Ê ◊ÍÀÿ OÊ‚ ∑§ ¬˝ÁÃ ©∆Ê∞ ª∞ ¬˝ÊflœÊŸ ∑§Ê Áflfl⁄UáÊi. ¬˝Ê⁄¢Á÷∑§ ‡Ê· 9850.04 9180.35

ii ÿÙª — fl·¸ ∑§ ºı⁄ÊŸ ¬˝ÊflœÊŸ 396.40 1163.74

iii. ÁflÿÙª — fl·¸ ∑§ ºı⁄ÊŸ •ÁÃÁ⁄ÄÃ ¬˝ÊflœÊŸÙ¥ ∑§Ê ’^ÊπÊÃÊ/¬ÈŸ‹¸πŸ 2665.84 494.05

iv. •¢ÁÃ◊ ‡Ê· 7580.60 9850.04

ª. (i) ªÒ⁄-∞‚∞‹•Ê⁄ ÁŸfl‡Ê flÎûÊ(i) ªÒ⁄-∞‚∞‹•Ê⁄ ÁŸfl‡Ê ∑§Ê ÁŸª¸◊∑§ Áflfl⁄UáÊ (L§. ‹Êπ ◊¥)

∑˝§.‚¢. ÁŸª¸◊∑§ ⁄ÊÁ‡Ê ÁŸ¡Ë ‚¢SÕÊ¬Ÿ ÁflSÃÊ⁄

ÁŸêŸ ÁŸfl‡Ê üÊáÊË•ÊÁSÃÿÊ¢ ÁflSÃÊ⁄U

º⁄ Áfl„ËŸ •ÊÁSÃÿÊ¢ ∑§Ê

ÁflSÃÊ⁄

‚ÍøË Áfl„ËŸ •ÊÁSÃÿÙ¥ ∑§Ê

ÁflSÃÊ⁄1 ¬Ë∞‚ÿÍ 1000.00 1000.00 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ2 ∞»§•Êß¸ 525.00 525.00 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ3 ’Ò¥∑§ 1320.77 1320.77 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ4 ÁŸ¡Ë ∑§Ê⁄¬Ù⁄≈ 0.00 0.00 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ5 •ãÿ 211.63 211.63 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ

∑È§‹ 3057.40 3057.40 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ◊ÍÀÿ OÊ‚ ∑§Ù ‹∑§⁄ ¬˝ÊflœÊŸ 36.63 36.63 ‡ÊÍãÿ ‡ÊÍãÿ ‡ÊÍãÿ


938th A N N U A L R E P O R T, 2 0 1 2 - 1 3

(ii) ªÒ⁄U ÁŸc¬ÊÁŒÃ ªÒ⁄U-∞‚∞‹•Ê⁄U ÁŸfl‡Ê (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄áÊ 2012-13 2011-12

1 ¬˝Ê⁄¢Á÷∑§ ‡Ê· 36.63 136.63

2 fl·¸ ∑§ ºı⁄ÊŸ •ÁÃÁ⁄ÄÃ ÿÊª 0.00 0.00

3 fl·¸ ∑§ ºı⁄ÊŸ ∑§◊Ë 0.00 100.00

4 •¢ÁÃ◊ ‡Ê· 36.63 36.63

5 ∑È§‹ ¬˝ÊflœÊŸ ∑§Ë ªß¸ 36.63 36.63

y. ‚¢¬ÁûÊ ¬˝∑§Ê⁄Uy.v ∑§) ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ ‚¢¬ÁûÊÿÊ¢ (L§. ‹Êπ ◊¥)

∑˝§.‚¢. Áflfl⁄áÊ 31.03.2013 31.03.2012

i. ‡ÊÈh ∞Ÿ¬Ë∞ ‚ ‡ÊÈh •Áª˝◊ ∑§Ê ¬˝ÁÃ‡ÊÃ 3.04% 3.30%

ii. ∞Ÿ¬Ë∞ ∑§Ë ‚Á∑˝§ÿÃÊ (∑È§‹)∑§. ¬˝Ê⁄¢UÁèÊ∑§ ‡Ê· 15526.78 11791.94

π. fl·¸ ∑§ Œı⁄UÊŸ ÿÙª 7767.97 6876.25

ÇÊ. fl·¸ ∑§ Œı⁄UÊŸ ∑§◊Ë 4247.11 3141.41

ÉÊ. •¢ÁÃ◊ ‡Ê· 19047.64 15526.78

iii. ‡ÊÈh ∞Ÿ¬Ë∞ ∑§Ë ‚Á∑˝§ÿÃÊ∑§. ¬˝Ê⁄¢UÁèÊ∑§ ‡Ê· 8367.36 6737.76

π. fl·¸ ∑§ Œı⁄UÊŸ ÿÙª 5037.38 4771.01

ÇÊ. fl·¸ ∑§ Œı⁄UÊŸ ∑§◊Ë 4247.11 3141.41

ÉÊ. •¢ÁÃ◊ ‡Ê· 9157.63 8367.36

iv. ∞Ÿ¬Ë∞ ∑§ Á‹∞ ¬˝ÊflœÊŸÙ¥ ∑§Ë ‚Á∑˝§ÿÃÊ (◊ÊŸ∑§ ‚¢¬ÁûÊÿÙ¥ ¬⁄U ¬˝ÊflœÊŸÙ¥ ∑§Ù ¿UÙ«∏U∑§⁄U)∑§. ¬˝Ê⁄¢UÁèÊ∑§ ‡Ê· 7159.43 5054.18

π. fl·¸ ∑§ Œı⁄UÊŸ Á∑§∞ ª∞ ¬˝ÊflœÊŸ 2865.35 2105.25

ÇÊ. •ÁÃÁ⁄UÄÃ ¬˝ÊflœÊŸÙ¥ ∑§Ë flÊ¬‚Ë/¬ÈŸ•Z∑§Ÿ 134.77 0.00

ÉÊ. •¢ÁÃ◊ ‡Ê· 9890.01 7159.43

π. ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ ¬Á⁄U‚¥¬ÁûÊÿÊ¥ ∑§Ê ¬˝ÊflœÊŸ ∑§fl⁄U¡ •ŸÈ¬ÊÃ (L§. ‹Êπ ◊¥)Áflfl⁄áÊ 31.03.2013 31.03.2012

∑È§‹ ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ ‚¢¬ÁûÊÿÊ 19047.64 15526.78

∑È§‹ ¬˝ÊflœÊŸ Á∑§ÿÊ ªÿÊ 9890.01 7159.42

¬˝ÊflœÊŸ ∑§fl⁄U¡ •ŸÈ¬ÊÃ 51.92 46.11

ª. ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ •Áª˝◊Ù¥ ∑§ Áfl¬⁄UËÃ ¬˝ÊflœÊŸ ∑§Ê üÊáÊËflÊ⁄U flªË¸∑§⁄UáÊ (L§. ‹Êπ ◊¥)∑˝§.‚¢. •Áª˝◊ ∑§Ë üÊáÊË ∑È§‹ ⁄UÊÁ‡Ê ‚¢ëÊÿË ¬˝ÊflœÊŸ ‡ÊÈh •Áª˝◊

1 ◊ÊŸ∑§* 292304.95 883.12 292304.95

2 •fl◊ÊŸ∑§ ‚¢¬ÁûÊÿÊ¥ 6283.93 937.13 5346.80

3 ‚¢ÁŒÇœ ‚¢¬ÁûÊÿÊ¢ - I 6350.87 3700.92 2649.95

4 ‚¢ÁŒÇœ ‚¢¬ÁûÊÿÊ¢ - II 2467.01 1308.44 1158.57

5 ‚¢ÁŒÇœ ‚¢¬ÁûÊÿÊ¢ – III/ ˇÊÁÃ ‚¢¬ÁûÊÿÊ¢ 3945.83 3943.52 2.31

∑È§‹ 311352.59 10773.13 301462.58

* ¬˝ÊflœÊŸÙ¥ ‚ ÁÉÊ⁄U Ÿ„UË¥∑È∑È∑È∑È∑È∑È∑È∑∑∑È∑È∑∑∑È∑∑È∑∑∑∑∑È∑∑∑È∑È∑∑∑∑∑∑∑∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑∑∑È∑È∑È∑∑∑È∑∑∑∑∑∑È∑∑∑∑∑È∑∑∑∑∑∑È∑∑∑∑∑∑È∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑∑∑È∑È∑∑∑∑∑∑∑∑∑∑∑∑È∑∑∑È∑∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑È∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑∑§‹‹‹‹‹‹‹‹‹‹‹‹‹§‹§‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹‹

94 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

y.w ´§áÊ ‚¢¬ÁûÊÿÙ¥ ∑§Ê Áflfl⁄UáÊ ¬ÈŸ‚Z⁄UøŸÊ •œËŸ (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

i. ´§áÊ ‚¢¬ÁûÊÿÊ¥ ¬ÈŸ‚Z⁄UøŸÊ, ¬ÈŸÁŸ¸œÊ⁄UáÊ, ¬ÈŸ‚ZÁœ ∑§ •œËŸ ∑§Ë ∑È§‹ ⁄U∑§◊ 280.61 256.64

ii ◊ÊŸ∑§ ‚¢¬ÁûÊÿÊ¥-¬ÈŸ‚Z⁄UøŸÊ, ¬ÈŸÁŸ¸œÊ¸⁄UáÊ, ¬ÈŸ‚ZÁœ ∑§ •œËŸ ∑§Ë ⁄UÊÁ‡Ê 280.61 256.64

iii. •fl◊ÊŸ∑§ ‚¢¬ÁûÊÿÊ¥-¬ÈŸ‚Z⁄UøŸÊ, ¬ÈŸÁŸ¸œÊ¸⁄UáÊ, ¬ÈŸ‚ZÁœ ∑§ •œËŸ ∑§Ë ⁄UÊÁ‡Ê ‡ÊÍãÿ ‡ÊÍãÿiv. ‚¢ÁŒÇœ ¬Á⁄U‚¢¬ÁûÊÿÊ¥-¬ÈŸ‚Z⁄UøŸÊ, ¬ÈŸÁŸ¸œÊ¸⁄UáÊ, ¬ÈŸ‚ZÁœ ∑§ •œËŸ ∑§Ë ⁄UÊÁ‡Ê ‡ÊÍãÿ ‡ÊÍãÿ

ŸÙ≈U — [(i) = (ii) + (iii) + (iv)] 280.61 256.64

y.x ‚¢¬ÁûÊ ¬ÈŸ‚Z⁄UøŸÊ ∑§ Á‹∞ ‚È⁄UˇÊÊ ©U¬Êÿ (∞‚‚Ë) / Á⁄U∑¢§S≈˛UÄ‡ÊŸ ∑¢§¬ŸË (•Ê⁄U‚Ë) ∑§Ù éÊëÊË ªß¸ ÁflûÊËÿ ‚¢¬ÁûÊÿÙ¥ ∑§Ê Áflfl⁄UáÊ (L§. ‹Êπ ◊¥)

∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

i. πÊÃÙ¥ ∑§Ë ‚¢ÅÿÊ ‡ÊÍãÿ ‡ÊÍãÿii ∞‚‚Ë/•Ê⁄U‚Ë ∑§Ù Á’∑˝§Ë πÊÃÙ¥ ∑§Ê •ı‚Ã ◊ÍÀÿ (¬˝ÊflœÊŸÙ¥ ∑§Ê ‡ÊÈh) ‡ÊÍãÿ ‡ÊÍãÿiii. ∑È§‹ ¬˝Êåÿ ‡ÊÍãÿ ‡ÊÍãÿiv. ¬Ífl¸ flcÊÙZ ◊¥ SÕÊŸÊ¢ÃÁ⁄UÃ πÊÃÙ¥ ∑§ ‚¢éÊ¢œ ◊¥ ¬˝ÊåÃ •ÁÃÁ⁄UÄÃ ¬˝Êåÿ ‡ÊÍãÿ ‡ÊÍãÿv. ∑È§‹ ¬˝ÊÁåÃ/ ‚∑§‹πÊÃÊ ◊ÍÀÿ ¬⁄U ˇÊÁÃ ‡ÊÍãÿ ‡ÊÍãÿ

y.y ÇÊÒ⁄U ÁŸc¬ÊŒ∑§ ÁflûÊËÿ ‚¢¬ÁûÊÿÙ¥ ∑§ ∑˝§ÿ ∑§Ê Áflfl⁄UáÊ (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

1 (∑§) fl·¸ ∑§ Œı⁄UÊŸ π⁄UËŒ πÊÃÙ¥ ∑§Ë ‚¢ÅÿÊ ‡ÊÍãÿ ‡ÊÍãÿ(π) ∑È§‹ ’∑§ÊÿÊ ‡ÊÍãÿ ‡ÊÍãÿ

2 (∑§) ßŸ◊¥ ‚ fl·¸ ∑§ Œı⁄UÊŸ ¬ÈŸ‚ZÁëÊÃ πÊÃÙ¥ ∑§Ë ‚¢ÅÿÊ ‡ÊÍãÿ ‡ÊÍãÿ(π) ∑È§‹ ’∑§ÊÿÊ ‡ÊÍãÿ ‡ÊÍãÿ

y.z éÊëÊË ÇÊß¸ ªÒ⁄U ÁŸc¬ÊŒ∑§ ÁflûÊËÿ ‚¢¬ÁûÊÿÙ¥ ∑§Ê Áflfl⁄UáÊ (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

1. ’ø ÇÊ∞ πÊÃÙ¥ ∑§Ë ‚¢ÅÿÊ ‡ÊÍãÿ ‡ÊÍãÿ2. ∑È§‹ ’∑§ÊÿÊ ‡ÊÍãÿ ‡ÊÍãÿ3. ∑È§‹ ¬˝ÊåÃ ˇÊÁÃ¬ÍÁÃ¸ ‡ÊÍãÿ ‡ÊÍãÿ

y.{ ◊ÊŸ∑§ ‚¢¬ÁûÊÿÙ¥ ¬⁄U ¬˝ÊflœÊŸ (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

(i) ◊ÊŸ∑§ ‚¢¬ÁûÊÿÙ¥ ∑§ ¬˝ÁÃ ¬˝ÊflœÊŸ 134.26 135.61

z. √ÿÊ¬Ê⁄U •ı‚Ã (L§. ‹Êπ ◊¥)∑˝§.‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

(i) •ı‚Ã ∑§Êÿ¸‡ÊË‹ ¬Í¢¡Ë ∑§ ¬˝ÁÃ‡ÊÃ ∑§ M§¬ ◊¥ éÿÊ¡ •Êÿ 10.29 9.74

(ii) •ı‚Ã ∑§Êÿ¸‡ÊË‹ ¬Í¢¡Ë ∑§ ¬˝ÁÃ‡ÊÃ ∑§ M§¬ ◊¥ ÁŸéÿÊ¸¡ •Êÿ 0.54 0.74

(iii) ∑§Êÿ¸‡ÊË‹ ¬Í¢¡Ë ∑§ ¬˝ÁÃ‡ÊÃ ∑§ M§¬ ◊¥ ‚¢øÊ‹Ÿ ‹Ê÷ 2.64 2.38

(iv) ‚¢¬ÁûÊÿÙ¥ ¬⁄U flÊ¬‚Ë 1.26 1.05

(v) ¬˝ÁÃ ∑§◊¸øÊ⁄UË (¡◊Ê •Áª˝◊) √ÿÊ¬Ê⁄U 458.86 428.19

(vi) ¬˝ÁÃ ∑§◊¸øÊ⁄UË ‡ÊÈh ‹Ê÷ 5.72 4.47


958th A N N U A L R E P O R T, 2 0 1 2 - 1 3

’Ò¥∑§ ∑§ ∑È§‹ ∑§◊¸øÊÁ⁄UÿÙ¢ ∑§Ë ‚¢ÅÿÊ-v}}y

{. ‚¢¬ÁûÊ ŒÊÁÿàfl ¬˝éÊ¢œŸ- ëÊÈÁŸ¢ŒÊ ‚¢¬ÁûÊÿÙ¥ •ı⁄U ŒÊÁÿàflÊ¥ ∑§Ë ¬Á⁄U¬ÄflÃÊ ¬˝ÁflÁœ‡ÊÊπÊ•Ù¥/ ∑§ÊÿÊ¸‹ÿÙ¥ ‚ ‚¢ª˝Á„UÃ ‚ÍëÊŸÊ•Ù¥ ∑§ •ÊœÊ⁄U ¬⁄U ÁflÁ÷ãŸ ‚◊ÿÊflÁœ ◊¥ ¬Á⁄U‚¢¬ÁûÊÿÙ¥ ∞fl¢ ŒÊÁÿàflÙ¥ ∑§Ê flÇÊË¸∑§⁄UáÊ Á∑§ÿÊ ÇÊÿÊ „ÒU •ı⁄U √ÿfl„UÊ⁄UÇÊÃ ¬Á⁄U¬ÄflÃÊ ÁflãÿÊ‚ ∑§ •ÊœÊ⁄U ¬⁄U ¬˝œÊŸ ∑§ÊÿÊ¸‹ÿ ◊¥ •Êfl‡ÿ∑§ ‚◊ÊÿÙ¡Ÿ / ‚◊Ê‡ÊÙœŸ Á∑§ÿÊ ªÿÊ „ÒU– éÿı⁄UÊ ŸËëÊ ÁŒÿÊ ÇÊÿÊ „ÒU —

(⁄UÊÁ‡Ê ∑§⁄UÙ«∏U L§. ◊¥)

1-14 ÁŒŸ 15-28 ÁŒŸ

29 ÁŒŸ ‚ ™§¬⁄ 3

◊„UËŸ Ã∑§

3 ◊„UËŸ ‚ ™§¬⁄U

6 ◊„UËŸ Ã∑§

6 ◊„UËŸ ‚ ™§¬⁄U

1 fl·¸ Ã∑§§

1 fl·¸ ‚ ™§¬⁄U

3 fl·¸ Ã∑§

3 fl·¸ ‚ ™§¬⁄U

5 fl·¸ Ã∑§

5 fl·¸ ‚ ™§¬⁄U ∑È§‹

¡◊Ê 401.39 8.54 98.86 194.50 487.44 3950.17 241.25 149.15 5531.30

•Áª˝◊ 214.17 6.98 32.28 56.03 124.10 1600.43 692.41 387.13 3113.53

ÁŸfl‡Ê 95.37 0.00 250.50 170.72 719.64 91.25 535.27 781.68 2644.41

©UœÊ⁄U 0.00 0.00 0.70 28.96 54.99 34.66 0.92 0.00 120.23

|. ¬˝Œ‡Ê¸Ÿ- Á⁄U∞‹ ∞S≈U≈U ˇÊòÊ ◊¥ ¬˝Œ‡Ê¸Ÿ (L§. ‹Êπ ◊¥)

∑˝§.‚¢. üÊáÊË 31.03.2013 31.03.2012

∑§. ¬˝àÿˇÊ ¬˝Œ‡Ê¸Ÿ

(i)•ÊflÊ‚Ëÿ ’¢œ∑§ŸÊ◊Ê ´§áÊË mÊ⁄UÊ ∑§éÖÊ ◊¥ ∑§Ë ÇÊß¸ ÿÊ ‹Ë ¡ÊŸ flÊ‹Ë ÿÊ Á∑§⁄UÊÊ∞ ◊¥ ŒË ÇÊß¸ •ÊflÊ‚Ëÿ ‚¢¬ÁûÊ ¬ÍáÊ¸ ‚¢⁄UÁˇÊÃ ´§áÊ éÊ¢œ∑§ŸÊ◊ ∑§ ¡Á⁄U∞ ŒŸÊ

29914.83 29963.64

(ii)

flÊÁáÊÁÖÿ∑§ Á⁄U∞‹ ∞S≈U≈U flÊÁáÊÁÖÿ∑§ Á⁄U∞‹ ∞S≈U≈˜UÔ‚ (∑§ÊÿÊ¸‹ÿ ÷flŸ, Á∑§⁄UÊ∞ ∑§Ë ¡ª„U, ’„UÈ©UŒ˜ÔŒ‡ÊËÿ flÊÁáÊÁÖÿ∑§ ¬Á⁄U‚⁄U, ’„ÈU ¬Á⁄UflÊ⁄U •ÊflÊ‚Ëÿ ÷flŸ, ’„ÈUÃ Á∑§⁄UÊ∞ŒÊ⁄UË ∑§ flÊÁáÊÁÖÿ∑§ ¬Á⁄U‚⁄U, •ılÙÁª∑§ ÿÊ ªÙŒÊ◊ SâÊ‹ „UÙ≈U‹, ÷ÍÁ◊ •Áœª˝„UáÊ, Áfl∑§Ê‚ ∞fl¢ ÁŸ◊Ê¸áÊ •ÊÁŒ) ¬⁄U ’¢œ∑§ŸÊ◊ ∑§ mÊ⁄UÊ §áÊ/¬˝Œ‡Ê¸Ÿ ◊¥ ªÒ⁄U-∑§Ù· •ÊœÊÁ⁄UÃ (∞Ÿ∞»§’Ë) ‚Ë◊Ê ÷Ë ‡ÊÊÁ◊‹ „Ò¥U–

2624.98 1327.41

(iii) ’¢œ∑§ŸÊ◊Ê ÿÈÄÃ ¬˝ÁÃ÷ÍÁÃÿÙ¥ (∞◊’Ë∞‚) •ı⁄U •ãÿ ¬˝ÁÃ÷ÍÁÃÃ ¬˝Œ‡Ê¸Ÿ ◊¥ ÁŸfl‡Ê ‡ÊÍãÿ ‡ÊÍãÿ∑§. •ÊflÊ‚Ëÿ ‡ÊÍãÿ ‡ÊÍãÿπ. flÊÁáÊÁÖÿ∑§ Á⁄U∞‹ ∞S≈U≈U ‡ÊÍãÿ ‡ÊÍãÿ

π. •¬˝àÿˇÊ ¬˝Œ‡Ê¸Ÿ ‡ÊÍãÿ ‡ÊÍãÿ⁄UÊc≈˛UËÿ •ÊflÊ‚Ëÿ ’Ò¥∑§ (∞Ÿ∞ø’Ë) •ı⁄U •ÊflÊ‚Ëÿ ÁflûÊ ∑¢§¬ÁŸÿÙ¥ (∞ø∞»§‚Ë) ∑§ ∑§Ù· •ÊœÊÁ⁄UÃ ∞fl¢ ªÒ⁄U ∑§Ù· •ÊœÊÁ⁄UÃ ¬˝Œ‡Ê¸Ÿ ‡ÊÍãÿ ‡ÊÍãÿ

}. ’Ò¥∑§ mÊ⁄UÊ ’…∏UÊß¸ ªß¸ ∞∑§‹ ´§áÊË (∞‚¡Ë∞‹), ‚◊Í„U ´§áÊË ‚Ë◊Ê (ÖÊËéÊË∞‹) ’Ò¥∑§ Ÿ •¬Ÿ Áflfl∑§¬ÍáÊ¸ ¬˝∑§≈UË∑§⁄UáÊ ∑§ •‹ÊflÊ ÁflûÊËÿ fl·¸ ◊¥ ∑§Ùß¸ ‚Ë◊Ê ‚ ’Ê„⁄U ÁŸfl‡Ê/ •Áª˝◊ Ÿ„UË¥ Á∑§ÿÊ–

~. fl·¸ ∑§ Œı⁄UÊŸ •Êÿ∑§⁄U ∑§ Á‹∞ ÁŸÁ◊¸Ã ¬˝ÊflœÊŸ ∑§Ë ⁄UÊÁ‡Ê(L§. ‹Êπ ◊¥)

Áflfl⁄UáÊ 31.03.2013 31.03.2012

•Êÿ∑§⁄U ∑§ Á‹∞ ¬˝ÊflœÊŸ 3365.00 2415.28

96 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

vÆ. ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ mÊ⁄UÊ ‹ÊÇÊÍ •Õ¸Œ¢«U ∑§Ê πÈ‹Ê‚Ê

Á⁄U¬Ù≈¸U fl·¸ ∑§ •¢ÃÇÊ¸Ã Á⁄U¡fl¸ ’Ò¥∑§ mÊ⁄UÊ ∑§Ùß¸ •âÊ¸Œ¢«U Ÿ„UË¥ ‹ªÊÿÊ ÇÊÿÊ–vv. ‹πÊ ◊ÊŸ∑§, ¡„UÊ¢ ÷Ê⁄UÃËÿ Á⁄U¡fl¸ ’Ò¥∑§ Ÿ ¬˝Œ‡Ê¸Ÿ flSÃÈ•Ù¥ ”πÊÃÙ¥ ¬⁄U Á≈Uå¬ÁáÊÿÙ¥” ∑§ ‚¢Œ÷¸ ◊¥ ÁŒ‡ÊÊ-ÁŸŒ¸‡Ê ¡Ê⁄UË Á∑§∞ „Ò¥U, ∑§ •ŸÈ‚Ê⁄U ¡M§⁄UÃÙ¥ ∑§Ê πÈ‹Ê‚Ê

∑§. ‹πÊ ◊ÊŸ∑§ v} ∑§Ê ÁŸÿÃŸ —

’Ò¥∑§ ◊¥ ¬˝ÊÿÙ¡∑§ ’Ò¥∑§, ÿÍŸÊß≈U«U ’Ò¢∑§ •Ê»§ ß¢Á«UÿÊ ‚ ¬˝ÁÃÁŸÿÈÁÄÃ ¬⁄U •Ê∞ x (ÃËŸ) •Áœ∑§Ê⁄UË xv.Æx.wÆvw Ã∑§ ∑§Êÿ¸⁄UÃ Õ– ∑§Êÿ¸ª˝„UáÊ ∑§Ë ÃÊ⁄UËπ, •Ê„UÁ⁄UÃ flÃŸ •ÊÁŒ ∑§Ê Áflfl⁄UáÊ ÁŸêŸflÃ „ÒU —

(L§. ‹Êπ ◊)

∑˝§.‚¢. •Áœ∑§Ê⁄UË ∑§Ê ŸÊ◊ éÊÒ¥∑§ ◊¥ ¬Œ ‚flÊ ∑§Ë •flÁœ flcÊ¸ ∑§ Œı⁄UÊŸ•Ê„UÁ⁄UÃ ⁄UÊÁ‡Ê ¡Ê⁄UË Á≈Uå¬áÊË

1 üÊË ‚àÿŸÊ⁄UÊÿáÊ ‚Ê„È •äÿˇÊ •¬˝Ò‹”vw ‚ Ÿfl¢.”vw 8.64

2 üÊË Á‡Êfl‡Ê¢∑§⁄U Á‚¢„U •äÿˇÊ Ÿfl¢.”vw ‚ ◊Êø¸U”vx Ã∑§ 3.75

3 üÊË◊ÃË ‡ÊÁ◊¸c∆UÊ èÊU^ÔUÊøÊ¡Ë¸ •Ù¤ÊÊ ◊„UÊ¬˝’¢œ∑§ •¬˝Ò‹”vw ‚ ◊Êø¸”vx Ã∑§

7.35

∑È§‹ 19.74

vw. •ãÿ ‹πÊ ◊ÊŸ∑§

’Ò¥∑§ Ÿ •Êß¸‚Ë∞•Êß¸ mÊ⁄UÊ ÁŸª¸Ã ÁflÁ÷ãŸ ◊ÊŸ∑§Ù¥ ∑§ •¢Ãª¸Ã ÁŸÁ„UÃ ÁflÁ÷ãŸ ÁŸÿ◊Ù¥ ∑§Ê •ŸÈ¬Ê‹Ÿ Á∑§ÿÊ „ÒU–vx. ¬˝ÊflœÊŸ •ı⁄U •Ê∑§ÁS◊∑§ √ÿÿ

’Ò¥∑§ ∑§ ‚èÊË ¬˝ÊflœÊŸÙ¥ •ı⁄U •Ê∑§ÁS◊∑§ √ÿÿÙ¥ ∑§Ë ∑È§‹ ÁSÕÁÃ ÁŸêŸflÃ flÁáÊ¸Ã „ÒU —(L§. ‹Êπ ◊)

∑˝§. ‚¢. Áflfl⁄UáÊ 31.03.2013 31.03.2012

∑§. ¬˝ÊflœÊŸ πÊÃÙ¥ ◊¥ ¬˝Ê⁄¢UÁ÷∑§ ¡◊Ê 15365.59 12366.30

π. ¬Á⁄UªáÊŸÊ fl·¸ ◊¥ ¬˝ÊflœÊŸÙ¥ ∑§Ë ¬˝◊ÊòÊÊ 3000.11 3099.72

ÇÊ. ¬Á⁄UªáÊŸÊ fl·¸ ∑§ Œı⁄UÊŸ •Ê„UÁ⁄UÃ ∑§Ë ªß¸ ⁄UÊÁ‡Ê 2675.30 100.43

ÉÊ. ¬˝ÊflœÊŸ πÊÃÙ¥ ◊¥ •¢ÁÃ◊ ’∑§ÊÿÊ 15690.40 15365.59

©U¬⁄UÙÄÃ •Ê„UÁ⁄UÃ («˛UÊ-«UÊ©UŸ) ⁄UÊÁ‡Ê «U∑Ò§ÃË fl •ÁÃŒÿ ÁŸfl‡Ê ∑§Ë fl‚Í‹Ë ∑§ ÁflL§Œ˜œ ⁄UÊÁ‡Ê „ÒU–


978th A N N U A L R E P O R T, 2 0 1 2 - 1 3

vy. ‚¢⁄UÁˇÊÃ ∑§Ê· ‚ •Ê„UÁ⁄UÃ («˛UÊ-«UÊ©UŸ)

’Ò¥∑§ Ÿ ‚¢⁄UÁˇÊÃ ∑§Ê· ‚ ∑§Ùß¸ ⁄UÊÁ‡Ê •Ê„UÁ⁄UÃ («˛UÊ-«UÊ©UŸ) Ÿ„UË¥ ∑§Ë–vz. Á‡Ê∑§ÊÿÃÙ¥ ∑§Ê ÁŸSÃÊ⁄UáÊ

Á‡Ê∑§ÊÿÃÙ¥ ∑§ ÁŸSÃÊ⁄UáÊ ∑§Ë ÁSÕÁÃ ÁŸêŸflÃ „ÒU —

∑§. ª˝Ê„U∑§ Á‡Ê∑§ÊÿÃ¥∑˝§.‚¢. Áflfl⁄UáÊ éÿı⁄UÊ∑§. fl·¸ ∑§ ¬˝Ê⁄¢÷ ◊¥ ‹¢Á’Ã Á‡Ê∑§ÊÿÃÙ¥ ∑§Ë ‚¢ÅÿÊ 08

π. fl·¸ ∑§ Œı⁄UÊŸ ¬˝ÊåÃ Á‡Ê∑§ÊÿÃÙ¥ ∑§Ë ‚¢ÅÿÊ 61

ª. fl·¸ ∑§ Œı⁄UÊŸ ÁŸSÃÊÁ⁄UÃ Á‡Ê∑§ÊÿÃÙ¥ ∑§Ë ‚¢ÅÿÊ 60

ÉÊ. fl·¸ ∑§ •¢Ã ◊¥ ‡Ê· Á‡Ê∑§ÊÿÃÙ¥ ∑§Ë ‚¢ÅÿÊ 9

ÅÊ. ’Ò¥Á∑¢§ª ‹Ù∑§¬Ê‹ mÊ⁄UÊ ÁŸª¸Ã ÁŸáÊ¸ÿ∑˝§.‚¢. Áflfl⁄UáÊ éÿı⁄UÊ∑§. fl·¸ ∑§ ¬˝Ê⁄¢U÷ ◊¥ •Á∑˝§ÿÊÁãflÃ ÁŸáÊ¸ÿÊ¥ ∑§Ë ‚¢ÅÿÊ 0

π. fl·¸ ∑§ Œı⁄UÊŸ ’Ò¥Á∑¢§ÇÊ ‹Ù∑§¬Ê‹ mÊ⁄UÊ ÁŸª¸Ã ÁŸáÊ¸ÿÊ¥ ∑§Ë ‚¢ÅÿÊ 0

ÇÊ. fl·¸ ∑§ Œı⁄UÊŸ Á∑˝§ÿÊÁãflÃ ÁŸáÊ¸ÿÊ¥ ∑§Ë ‚¢ÅÿÊ 0

ÉÊ. fl·¸ ∑§ •¢Ã ◊¥ •Á∑˝§ÿÊÁãflÃ ÁŸáÊ¸ÿÊ¥ ∑§Ë ‚¢ÅÿÊ 0

v{. Á¬¿U‹ fl·¸ ∑§ •Ê¥∑§«U∏Ê¥ ∑§Ê ¡M§⁄UÃ ∑§ Á„‚Ê’ ‚ Á⁄Uª˝È¬/Á⁄∞⁄¥U¡ ∑§⁄U ŒË ªß¸ „Ò–






Á ¢ Á ¢

Ë¸

98 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

I ¬Í¢¡Ë ∑§Ù· (L§. ‹ÊÅÊ ◊¥)∑§. Á≈Uÿ⁄U I ¬Í¢¡Ë Ãàfl

(•) •ŒÊ ¬Í¢¡Ë 400.00

(•Ê) •¢‡Ê ¬Í¢¡Ë ∑§Ù· 8563.25

ÁflÿÙª — ßã≈UÁã¡’‹ ¬Á⁄U‚ê¬ÁûÊ fl ˇÊÁÃ(ß) •Ê⁄UÁˇÊÃ ∞fl¢ •ÁÃÁ⁄UÄÃ1. ‚Ê¢ÁflÁœ∑§ •Ê⁄UÁˇÊÃ 3835.02

2. ¬Í¢¡Ë •Ê⁄UÁˇÊÃ 1658.28

3. •ãÿ •Ê⁄UÁˇÊÃ 14709.74

4. ‹Ê÷ ∞fl¢ ˇÊÁÃ πÊÃ ◊¥ •ÁÃÁ⁄UÄÃ * 0.00

Á≈Uÿ⁄U I ¬Í¢¡Ë ∑§Ê ÿÙª 29166.29

Á≈Uå¬áÊË — ¬Í¢¡Ë •Ê⁄UÁˇÊÃ ◊¥ ¬Á⁄U‚ê¬ÁûÊ ∑§Ë ÁéÊ∑˝§Ë ¬⁄U •ÁÃÁ⁄UÄÃ ‹Ê÷ •ı⁄U •‹ª πÊÃ ◊¥ ÁŸÿÙÁ¡Ã ∑§Ù ‡ÊÊÁ◊‹ Á∑§ÿÊ ¡Ê∞ªÊ–¬ÈŸ◊¸ÍÀÿÊ¢∑§Ÿ •Ê⁄UÁˇÊÃ, ‚Ê◊Êãÿ/ç‹ÊÁ≈¥Uª ¬˝ÊflœÊŸ, ´§áÊ ˇÊÁÃ fl •ãÿ ¬Á⁄U‚ê¬ÁûÊ ˇÊÁÃ ÿÊ Á∑§‚Ë ¬Á⁄U‚ê¬ÁûÊ ∑§Ë ∑§Ë◊Ã ÉÊ≈UŸ ∑§ ◊Ê◊‹ ◊¥ Áfl‡Ê· ¬˝ÊflœÊŸ •ı⁄U ‚Ê◊Êãÿ/Ã⁄U‹ ¬˝ÊflœÊŸ, ‚¢⁄UÁˇÊÃ ¬Í¢¡Ë ∑§Ù· (¬˝àÿÊflÁÃ¸Ã ∑§⁄U ¬Á⁄U‚ê¬ÁûÊ) •ÊÁŒ ∑§ M§¬ ◊¥ Ÿ„UË¥ ¡ÊŸ ¡Ê∞¢ÇÊ

0

* Œÿ Á«UÁfl«¥U«U, Á‡ÊˇÊÊ ∑§Ù· ÿÊ •ãÿ ∑§Ù· ∑§ ∑˝§◊ ◊¥ ‹Ê÷ ∞fl¢ ˇÊÁÃ πÊÃ ◊¥ ∑§Ùß¸ ÷Ë •ÁÃ⁄UÄÃ (‡ÊÈh) ’∑§ÊÿÊ, ÿÁŒ „UÙπ. Á≈Uÿ⁄U I I ¬Í¢¡Ë Ãàfl(I) •ÉÊÙÁ·Ã •Ê⁄UÁˇÊÃ 0

(ii) ¬ÈŸ◊¸ÍÀÿÊ¢∑§Ÿ •Ê⁄UÁˇÊÃ 0

(iii) ‚Ê◊Êãÿ ¬˝ÊflœÊŸ •ı⁄U ˇÊÁÃ •Ê⁄UÁˇÊÃ #

(iv) ÁŸfl‡Ê ’Œ‹Êfl •Ê⁄UÁˇÊÃ/∑§Ù· 2540.53

∑È§‹ Á≈Uÿ⁄U I I ¬Í¢¡Ë 2540.53

(ª) ‚∑§‹ ÿÙª (∑§+π) 31706.82

II ¡ÙÁπ◊ ¬Á⁄U‚ê¬ÁûÊ(∑§) ∑§Ù·ªÃ ¡ÙÁπ◊ ¬Á⁄U‚ê¬ÁûÊ, ¡Ù Á∑§ ÃÈ‹Ÿ ¬òÊ •Êß≈U◊ (÷Êª “π” ‚ Á◊‹Ê∞¢) ∑§Ê ‚◊ÊÿÙÁ¡Ã ◊ÍÀÿ 260003.63

(π) ªÒ⁄U ∑§Ù·ªÃ •ı⁄U ÃÈ‹Ÿ-¬òÊ ◊¥ Ÿ„Ë¥ •ÊŸflÊ‹Ë (÷Êª “ª” ‚ Á◊‹Ê∞¢) ∑§Ê ‚◊ÊÿÙÁ¡Ã ◊ÍÀÿ 264.43

(ª) ‚∑§‹ ¡ÙÁπ◊-÷ÊÁ⁄UÃ ¬Á⁄U‚ê¬ÁûÊ (∑§+π) 260268.06

II ¡ÙÁπ◊ ÷ÊÁ⁄UÃ ¬Á⁄U‚ê¬ÁûÊ (I:II ) ∑§Ê ¬Í¢¡Ë∑§Ù· ¬˝ÁÃ‡ÊÃ 12.18

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÷Êª π- xv.Æx.wÆvx ∑§Ù ÷ÊÁ⁄UÃ ¬Á⁄U‚¢¬ÁûÊÿÊ¢ •ÕÊ¸Ã ÃÈ‹Ÿ ¬òÊ ◊Œ(⁄UÊÁ‡Ê ‹Êπ L§. ◊¥)

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I. Ÿ∑§Œ ∞fl¢ ’Ò¥∑§ ¡◊Ê∑§) „UÊÕ ◊¥ Ÿ∑§ŒË 7039.44 0 0.00

π) ÷Ê⁄UÃ ∑§ éÊÒ¥∑§ ◊¥ ¡◊Ê 0.00 0 0.00

i) ÷Ê⁄UÃËÿ Á⁄UÖÊfl¸ ’Ò¥∑§ ◊¥ ¡◊Ê 22649.41 0 0.00

ii) ’Ò¥∑§Ù¥ ◊¥ ¡◊Ê 0.00 0

1. øÊ‹Í πÊÃÊ 33087.77 20.00 6617.55

2. •ãÿ πÊÃÊ 123163.25 20.00 24632.65

3. •ãÿ ˇÊòÊËÿ ª˝Ê◊ËáÊ ’Ò¥∑§Ù¥ ◊¢ øÊ‹Í πÊÃÊ ¡◊Ê 0.00 20.00 0.00

II. ◊Ê¢ª ∞fl¥ •À¬ ‚ÍøŸÊ ¬⁄U Œÿ ⁄UÊÁ‡Ê 0.00 20.00 0.00

III. ÁŸfl‡Ê∑§) ‚⁄U∑§Ê⁄U ÃÕÊ •ãÿ ◊ÊãÿÃÊ ¬˝ÊåÃ ¬˝ÁÃ÷ÍÁÃÿÊ¢ 130639.90 2.50 3266.00

π) •ãÿ (©U¬‹éœ ◊ÍÀÿ OÊ‚ ∑§Ê ÁŸ’‹) 3020.77 22.50 679.67

IV. ´§áÊ ÃÕÊ •Áª˝◊ (π⁄ËŒ ÇÊ∞ Á’‹ ÃÕÊ ¿UÍ≈U •ı⁄U •ãÿ ©UœÊ⁄U ‚ÈÁflœÊ∞¢)

∑§) ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U mÊ⁄UÊ •Áª˝◊(ªÊ⁄¢U≈UË‡ÊÈŒÊ ⁄U∑§◊ „Ë Œ‡ÊÊ¸ŸË „Ò, ’ÊÁ∑§ ∑§Ê ◊Œ (w) ◊¥ ÁŒπÊfl¥)

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ª) ÷Ê⁄UÃ ‚⁄U∑§Ê⁄U ∑§ ‹Ê∑§ ©U¬∑˝§◊ ∑§Ù ´§áÊ ◊¢¡Í⁄UË 0 0.00

ÉÊ) ⁄UÊÖÿ ‚⁄U∑§Ê⁄U ∑§ ‹Ê∑§ ©U¬∑˝§◊ ∑§Ù ´§áÊ ◊¢¡Í⁄UË 0 0.00

æ ) ‚„U◊ÁÃÿÈÄÃ ∞‹‚Ë ∑§ Ã„UÃ Á’‹ ∑˝§ÿ/¿ÍU≈U ∑§ Áfl¬⁄UËÃ •Áª˝◊ 0 0.00

ø) ∞‹‚Ë ∑§ Á’ŸÊ ‚„◊ÁÃ ÿÊ ∞‹‚Ë∞‚ ⁄UÁ„UÃ ∑˝§ÿ/¿ÍU≈U/ ‚„U◊ÁÃÿÈÄÃ Á’‹Ù¥ ∑§ Áfl¬⁄UËÃ •Áª˝◊i) ‚⁄U∑§Ê⁄U ∑§Ù 0 0.00

ii) ’Ò¥∑§/¬Ë∞»§•Êß¸ ∑§Ù 0 0.00

iii) »§◊¸, √ÿÁÄÃªÃ ∑§Ê¬Ù¸⁄‘U≈U •ÊÁŒ ∑§Ù 0 0.00

¿) ‹Ëí«U ¬Á⁄U‚¢¬ÁûÊÿÊ¢ 0 0.00

¡) «UË•Êß¸‚Ë¡Ë‚Ë/ß¸‚Ë¡Ë‚Ë mÊ⁄UÊ ªÊ⁄¢U≈UË ÿÈÄÃ •Áª˝◊ (Á⁄U¬Ù≈¸U ◊ÊòÊ ©U¬‹éœ •Êë¿UÊÁŒÃ ªÊ⁄¢U≈UË Ã∑§ ‚ËÁ◊Ã ‡Ê· ⁄UÊÁ‡Ê •Êß≈U◊ ∑§ Áfl¬⁄UËÃ ©UÀ‹ÁπÃ)

¤Ê)‚Êπ ªÊ⁄¢U≈UË ∑§Ù· ãÿÊ‚ ‹ÉÊÈ ©UlÙª (‚Ë¡Ë≈UË∞‚•Êß¸) mÊ⁄UÊ ÇÊÊ⁄¢U≈UËÿÈÄÃ ∞‚∞‚•Êß¸ •Áª˝◊ (•ŸÊë¿UÊÁŒÃ ⁄UÊÁ‡Ê •Êß≈U◊ («UéÀÿÍ) ªÊ⁄¢U≈UËÿÈÄÃ •¢‡Ê ∑§Áfl¬⁄UËÃ Œ¡¸ „UÙªË–

11953.31 0 0.00

ÿ)´§áÊË/S≈UÊ»§ ∑§Ù ¬˝ŒûÊ •Áª˝◊ ‚ÊflÁœ ¡◊Ê, ∞‹•Êß¸¬Ë, ∞Ÿ∞‚‚Ë,•Êß¸flË¬Ë, ∑§flË¬Ë ∑§ Áfl¬⁄UËÃ ¡„UÊ¥ ¬ÿÊ¸åÃ ◊ÊÁ¡¸Ÿ ©U¬‹éœ „ÒU (•ÁÃÁ⁄UÄÃ ⁄UÊÁ‡Ê •Áœ∑§Ã◊ ‚Ë◊Ê ∑§Ê‹◊- «UéÀÿÍ ∑§ Ã„UÃ ÁŒπÊß¸ ¡Ê∞ÇÊË)

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⁄U) ’Ò¥∑§ ∑§ S≈UÊ»§ ∑§Ê ´§áÊ fl •Áª˝◊ ¡Ù Á∑§ ‚flÊÁŸflÎÁûÊ ‹ÊèÊÙ¥ ∞fl¢ ç‹Ò≈U/ÉÊ⁄U ∑§ ’¢œ∑§ŸÊ◊ ‚ ¬ÍáÊ¸M§¬áÊ •Êë¿UÊÁŒÃ „ÒU

6748.71 20.00 1349.74

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xÆ ‹Êπ L§ ‚ ™§¬⁄U ∑§ ªÎ„U §áÊ √ÿÁÄÃªÃ (S≈UÊ»§ ∑§Ù ¿UÙ«∏U∑§⁄U) ∑§Ê ∞‹≈UËflË •ŸÈ¬ÊÃ ∑§ ’⁄UÊ’⁄U ÿÊ |z ¬˝ÁÃ‡ÊÃ ‚ ∑§◊ (Á≈Uå¬áÊË v) flÊ‹Ê¥ ∑§Ê •ÊflÊ‚Ëÿ ªÎ„ ‚¥¬ÁûÊ ∑§ ’¥œ∑§ŸÊ◊ ∑§ Áfl⁄¬⁄UËÃ ◊¥¡Í⁄U– ß‚ flª¸ ◊¥ ¬ÈŸ‚Z⁄UøŸÊ ©U¬⁄UÙÄÃ (v) flÁáÊ¸Ã

0 0.00

100 8th A N N U A L R E P O R T, 2 0 1 2 - 1 3

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xÆ ‹Êπ L§. Ã∑§ ∑§ ªÎ„U ´§áÊ √ÿÁÄÃÇÊÃ (S≈UÊ»§ ∑§Ù ¿UÙ«∏U∑§⁄U) ∑§Ê ∞‹≈UËflË •ŸÈ¬ÊÃ ∑§ ’⁄UÊ’⁄U ÿÊ |z ¬˝ÁÃ‡ÊÃ ‚ ∑§◊ (Á≈Uå¬áÊË v) flÊ‹Ê¥ ∑§Ê •ÊflÊ‚Ëÿ ªÎ„ ‚¥¬ÁûÊ ∑§ ’¥œ∑§ŸÊ◊ ∑§ Áfl¬⁄UËÃ ◊¥¡Í⁄U– ß‚ flª¸ ◊¥ ¬ÈŸ‚Z⁄UøŸÊ ©U¬⁄UÙÄÃ (∞◊) flÁáÊ¸Ã

27957.84 50.00 13978.92

(‡Ê) ©U¬÷ÙÄÃÊ ‚Êπ ÁŸ¡Ë ´§áÊ fl ∑˝§Á«U≈U ∑§Ê«¸U ‚Á„UÃ 23278.67 125.00 29098.34

(·) Á‡ÊˇÊÊ ´§áÊ 480.08 100.00 480.08

(‚) SfláÊ¸ ∞fl¢ ⁄U¡Ã ª„Ÿ ¬⁄U L§. v ‹Êπ Ã∑§ ∑§Ê ∑§¡¸ 0 0.00

(„U) ≈U∑§ •Ê©U≈U ÁflûÊi) Á’ŸÊ ‡ÊÃ¸ ≈U∑§ •Ùfl⁄U (•ŒÊÃÊ ‚¢SÕÊŸ ∑§ πÊÃ ◊¥) 0 0.00

(∑§) •ÁœªÎ„UË ‚¢SÕÊŸ mÊ⁄UÊ ¡„UÊ¢ ¬ÍáÊ¸ ‚Êπ ¡ÙÁπ◊ Á‹ÿÊ ¡Ê∞ 0 0.00

(π) ¡„UÊ¢ •ÁœªÎ„UË ‚¢SÕÊŸ mÊ⁄UÊ ∑§fl‹ •Ê¢Á‡Ê∑§ ‚Êπ ¡ÙÁπ◊ Á‹ÿÊ ¡Ê∞ 0 0.00

i) •ÁœªÎ„UËÃ ∑§Ë ¡ÊŸ flÊ‹Ë ⁄UÊÁ‡Ê 0 0.00

ii) •ÁœªÎ„UËÃ Ÿ„UË¥ ∑§Ë ¡ÊŸ flÊ‹Ë ⁄UÊÁ‡Ê 0 0.00

ii) ‚‡ÊÃ¸ •Áœª˝„UáÊ (´§áÊŒÊÃÊ fl •ÁœªÎ„UË ‚¢SÕÊŸ ∑§Ë ’„UË ◊¥) 0 0.00

(ˇÊ) ¬Í¢¡Ë ’Ê¡Ê⁄U ∑§Ù ´§áÊi) ÁflÁ÷ãŸ ßÁÄfl≈UË, ’Ê¢«U, Á«U’¥ø⁄U, êÿÈøÈ•‹ »¢§«UÙ¥ •ÊÁŒ ∑§ Áfl¬⁄UËÃ ‡Êÿ⁄UÊ¥ ◊¥ ÁŸfl‡Ê ∑§ Á‹∞ √ÿÁÄÃÇÊÃ ∑§Ê •Áª˝◊

0 0.00

ii) S≈UÊ∑§ ’˝Ê∑§⁄UÊ¥ ∑§Ê ‚È⁄UÁˇÊÃ fl •‚È⁄UÁˇÊÃ •Áª˝◊ 0 0.00

(òÊ) √ÿÊfl‚ÊÁÿ∑§ Á⁄U∞‹ ßS≈U≈U ∑§Ù ∑§Ù· •ÊœÊÁ⁄UÃ ¬˝àÿˇÊË∑§⁄UáÊ 2582.30 100.00 2582.30

(ôÊ) ◊ÊŸ∑§ ¬Á⁄U‚ê¬ÁûÊ •¢Ã⁄UáÊ ∑§Ë ¬˝ÁÃ÷ÍÁÃÿÙ¥ ∑§ Á‹∞ ∑§Ù· Ã⁄U‹ÃÊ 0 0.00

(∑§) •ãÿ ’Ò¥∑§Ù¥ ‚ π⁄ËŒ ∞Ÿ¬Ë∞ 0 0.00

(π) ∞Ÿ’Ë∞»§‚Ë-∞Ÿ«UË-∞‚•Êß¸ ∑§Ê ´§áÊ fl •Áª˝◊ 0 0.00

(ª) •ãÿ ‚÷Ë •Áª˝◊ [(∑§) (π) (¤Ê) (i) fl (ÿ) ‡Ê· ‚Á„UÃ] 171819.96 100.00 171819.96

∑È§‹ •Áª˝◊ 244820.87 219309.34

(ÉÊ) ¬Á⁄U‚⁄U (∑È§‹ ∑§◊Ë ¬˝ÊflœÊŸ) 114.00 100.00 114.00

(æ) »§ŸË¸ø⁄U ∞fl¢ ¬Á⁄US∑§⁄U (∑È§‹ ∑§◊Ë ¬˝ÊflœÊŸ) 1280.50 100.00 1280.50

i) •ãÿ ‚¢¬ÁûÊ (¡Ë. ‚∑§, •Áª˝◊, ∑§⁄U/≈UË«UË∞‚) 15925.85 0 0

ii) •ãÿ ‚¢¬ÁûÊ 4103.92 100.00 4103.92

∑È§‹ 585845.68 260003.63

èÊÊª-ª- xv.Æx.wÆvx ∑§Ê ÷ÊÁ⁄UÃ ªÒ⁄U-∑§ÙcÊËÿ ¬˝àÿˇÊË∑§⁄UáÊ/ªÒ⁄U-ÃÈ‹Ÿ ¬òÊ •Êß≈U◊∑˝§.‚¢. ¬Á⁄U‚¢¬ÁûÊ ◊Œ ‹πÊ ◊ÍÀÿ

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’Ò¥∑§ ªÊ⁄¢U≈UË 264.43 100.00 264.43

Bidding farewell to Shri S N Sahu, outgoing Chairman Outgoing Chairman delivering his farewell speech

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