Abridged Annual Report 2014-15 - Central Bank of India AR...SHRI RAJEEV RISHI SHRI R.K. GOYAL SHRI...

g§{jßV dm{f©H$ [anmoQ>©Abridged Annual Report

2014-15

goÝQ´>b ~¢H$ Am°’$ B§{S>¶mHo$ÝÐr¶ H$m¶m©b¶ : MÝXa‘wIr, Zar‘Z nm°B§Q>, ‘w§~B© - 400 021. ‘hmamï´>

CENTRAL BANK OF INDIACentral Office : Chandermukhi, Nariman Point, Mumbai - 400 021. Maharashtra

g§{jßV dm{f©H$ [anmoQ>© 2014-15

{ZXoeH$ ‘§S>b lr amOrd F${f lr Ama.Ho$. Jmo`b lr ~r.Ho$. {XdmH$aS>m°. Ama. gr. bmo‹T>mS>m°. gm¡a^ JJ©lr eoIa ^Q>ZmJa lr H¥$îU goR>r lr E‘.nr. emoamdmbm lr Eg.~r. amoS>o lr Jwa~»e Hw$‘ma Omoerlr‘Vr EZ.Eg. aËZà^m

BOARD OF DIRECTORS

SHRI RAJEEV RISHI

SHRI R.K. GOYAL

SHRI B.K. DIVAKARA

Dr. R.C. LODHA

Dr. SAURABH GARG

SHRI SHEKHAR BHATNAGAR

SHRI KRISHAN SETHI

SHRI M.P. SHORAWALA

SHRI S.B. RODE

SHRI GURBAX KUMAR JOSHI

SMT. N.S. RATHNAPRABHA

boIm narjH$ ‘o. Hw$‘ma Mmon‹S>m E§S> Egmo{eEQ²g ‘o. nr.Ho$. gw~«‘{U¶‘ E§S> H§$nZr ‘o. XyJ‹S> E§S> Egmo{eEQ²g ‘o. EZ. gaH$ma E§S> H§$nZr. ‘o. ~r. EZ. {‘lm E§S> H§$nZr.‘o. M§Xm^m°¶ EÊS> Oñgy^m°¶

AUDITORS

M/s Kumar Chopra & Associates

M/s P.K. Subramaniam & Co.

M/s Doogar & Associates

M/s N. Sarkar & Co.

M/s B.N. Misra & Co.

M/s Chandabhoy & Jassoobhoy

a{OñQ´ma Ed§ eo`a A§VaU EOoÝQ> qbH$ BZQ>mB‘ B§{S>`m àm.{b. gr-13, nÞmbmb {gëH$ {‘ëg H§$nmC§S> Eb~rEg ‘mJ©, ^m§Sw>n (n{ü‘) ‘wå~B© -400078 Q>obr’$moZ: 022-25946970 ’¡$Šg : 022-25946969 B©-‘ob AmB©S>r: [email protected]

REGISTRAR AND SHARE TRANSFER AGENTS

Link Intime India Pvt. Ltd.

C-13, Pannalal Silk Mills Compound

LBS Marg, Bhandup (West)

Mumbai-400078

Tel: 022-25946970

Fax: 022-25946969

E-mail ID: [email protected]

~¢H$ go nÌ ì`dhma H$aZo H$m nVmghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md Ed§ AZwnmbZ A{YH$margoÝQ´b ~¢H$ Am°’$$ B§{S>`m9dt ‘§{Ob, M§Xa‘wIrZar‘Z nm°BªQ>‘w§~B©-400 021g§nH©$ Z§. 022- 6638 7818’$¡Šg : 022- 2283 5198B©-‘ob AmB©S>r: [email protected]; [email protected]

ADDRESS FOR CORESSPONDENCE WITH THE BANK

AGM-MBD / Company Secretary and Compliance officer

Central Bank of India

9th Floor, Chandermukhi

Nariman Point

Mumbai 400 021

Contact No. 022- 6638 7818

Fax No.: 022- 2283 5198

Email id: [email protected]; [email protected]

1


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hmb hr ‘| Ho$ÝÐr` gm§p»`H$s` H$m`m©b`, ^maV gaH$ma Ûmam df© 2004-05 Ho$ ñWmZ na df© 2011-12 H$mo AmYma df© ‘mZVo hþE EH$ ZB© OrS>rnr grarµO Omar {H$E OmZo H$s EH$ ‘hËdnyU© KQ>Zm hþB© h¡. Bg ZB© grarµO ‘| n[aîH¥$V H$m`©àUmbr {Z`mo{OV h¡ VWm Bg‘| H$m’$s A{YH$ Am§H$‹S>m| H$m Cn`moJ {H$`m OmVm h¡, {OgH$s dOh go ^maV OrS>rnr àm¸$bZ ‘| A§Vam©ï´>r` ‘mZH$m| Ho$ g‘H$j Am J`m h¡. ZE àm¸$bZ H$m Cn`moJ H$aVo hþE, df© 2015-16 ‘| ~mOma ‘yë` na Xoe H$s OrS>rnr ‘| d¥{Õ 8.1 go 8.5% Ho$ ~rM hmoZo H$s àË`mem h¡. VWm{n, ^maV gaH$ma Ûmam àH$m{eV Am{W©H$ gd}jU Zo g§Vw{bV {dH$mg H$m AZw‘mZ Xem©`m h¡ Am¡a AnZr [anmoQ>© ‘| CëboI {H$`m h¡ {H$ ‘‘gmú` Ed§ gMoVH$ ^maVr` AW©ì`dñWm ‘| VoOr H$s ~Om` gwYma H$s ì`m»`m Ho$ nj ‘| n¡adr H$a aho h¢.”gaH$ma Ûmam {H$E JE H$B© Zr{VJV Cnm`m|, ‘wÐmñ’$s{V ‘| gVV H$‘r Am¡a KQ>Vr ã`mO Xa H$s ì`dñWm go Am¡Úmo{JH$ CËnmXZ Ed§ Kaoby Cn^moJ Ho$ nwZamoËWmZ ‘| ‘hËdnyU© ‘XX àmá hmoJr. AVEd, gwYma Ed§ {dH$mg H$s g§^mdZmAm| H$mo XoIVo hþE, g^r ì`mdgm{`H$ joÌm| ‘| gmVË`nyU© {dH$mg Ho$ à{V AmempÝdV hþAm Om gH$Vm h¡.

{dÎmr` df© 2014-15 Ho$ Xm¡amZ, ~¢H$ H$m ì`dgm` 6.41% H$s d¥{Õ Ho$ gmW {dÎmr` df© 2013-14 Ho$ é. 4,23,390 H$amo‹S> go ~‹T>H$a é. 4,50,539 H$amo‹S> VH$ nhþ§M J`m. ~¢H$ Ho$ O‘m Ed§ F$U ‘| d¥{Õ H«$‘e: 6.46% VWm 6.35% ahr. Hw$b O‘m ‘| H$mgm H$s {hñgoXmar, {dÎmr` df© 2013-14 Ho$ 33.33% Ho$ g‘j 34.05% ahr. ì`dgm` ‘| bm^àX d¥{Õ gw{Z{üV H$aZo Ho$ {bE, Cƒ bmJV O‘mAm| ‘| C„oIZr` H$‘r H$s JB©. Hw$b O‘m ‘| Cƒ bmJV O‘m H$s {hñgoXmar KQ>H$a ‘mM© 2015 H$mo 10.73% hmo JB©, O~{H$ ‘mM© 2014 ‘| `h ñVa ~hþV A{YH$ AWm©V 21.84% Wm. g‘o{H$V H$moa O‘m ‘| 21.59% H$s d¥{Õ Ho$ ‘mÜ`‘ go BgH$m à^md ñnï> ê$n go {XImB© Xo ahm h¡.

~¢H$ H$m n[aMmbZ bm^ {dÎmr` df© 2013-14 Ho$ é.3238 H$amo‹S> ‘| 9.91% H$s d¥{Õ XO© H$aVo é.3559 H$amo‹S> hmo J`m. gmW hr, ~¢H$ Zo é.606 H$amo‹S> H$m ewÕ bm^ XO© {H$`m, O~{H$ {nN>bo df© é.(1263) H$amo‹S> H$s ewÕ hm{Z Xem©B© Wr.

2


~¢H$ H$s O‘m-bmJV {dÎmr` df© 2013-14 Ho$ 7.24% go KQ>H$a 7.22% hmo JB©, ~¢H$ H$s ewÕ ã¶mO Am` {dÎmr` df© 2013-14 Ho$ é.6494 H$amo‹S> go ~‹T>H$a é.7247 H$amo‹S> hmo JB©, Bg‘| 11.60% H$s d¥{Õ XO© hþB©. ~¢H$ H$s AÝ` Am` AWdm ewëH$> AmYm[aV Am` {dÎmr` df© 2013-14 Ho$ é.1923 H$amo‹S> go KQ>H$a é.1894 H$amo‹S> hmo JB©.

{nN>bo Hw$N> dfm] go ~¢H$ H$s AmpñV JwUdÎmm qMVm H$m {df` ~Zr hþB© h¡. gH$b A{J«‘ H$s VwbZm ‘| gH$b EZnrE {dÎmr¶ df© 2013-14 Ho$ 6.27% go KQ>H$a 6.09% hmo J`m Am¡a ewÕ A{J«‘ H$s VwbZm ‘| ewÕ EZnrE {dÎmr` df© 2013-14 Ho$ 3.75% go KQ>H$a 3.61% hmo J`m. `h H$‘r ~w{Z`mXr joÌ, dómoX²¶moJ, bm¡h Ed§ BñnmV, B§Or{Z`[a¨J VWm {d{Z‘m©U, aËZ Ed§ Am^yfU BË`m{X O¡go Hw$N> joÌm| go gå~§{YV AmpñV`m| na X~md Ho$ H$maU hþB©. AmnH$m ~¢H$ EZnrE à~§YZ Ho$ ~mao ‘| ewê$ go hr gOJ ahm h¡ Am¡a {dÎmr` df© 2015-16 Ho$ Xm¡amZ, gH$b EZnrE H$mo 5.25% go ZrMo VWm ewÕ EZnrE H$mo 2.20% go ZrMo {Z`§{ÌV aIZo Ho$ {bE ~¢H$ AnZm à`mg Omar aIoJm.

AW©ì`dñWm Ho$ ‘A§{V‘ N>moa’ VH$ nhþ§MZo Ho$ {bE ~¢H$ {d{^Þ {dÎmr` g‘mdoeZ nhb Ho$ ‘mÜ¶‘ go g‘mdoer d¥{Õ ‘| nyar Vah go Ow‹S>m ahm h¡. gaH$ma H$m àË`j bm^ A§VaU (S>r~rQ>r) H$m`©H«$‘ {d{^Þ {Obm| ‘| bmJy {H$¶m Om ahm h¡, BZ‘| go AmR> {Obm| ‘| h‘ AJ«Ur ~¢H$ h¢. {dÎmr` df© 2015-16 Ho$ Xm¡amZ, BZ {Obm| Ed§ ZE {Obm| ‘| Am¡a A{YH$ {dH$mg gw{Z{üV {H$`m OmEJm. Bg H$m`©H«$‘ Ho$ ‘mÜ`‘ go ~¢H$ Ho$ {bE Am¡a A{YH$ H$mgm O‘m g§J«{hV H$aZo VWm F$U {dñVma H$m ‘mJ© àeñV hmoJm. gmW hr, ~¢H$ Zo ‘àYmZ‘§Ìr OZ-YZ `moOZm’ H$mo g’$bVmnyd©H$ {H«$`mpÝdV {H$`m h¡ Am¡a {XZm§H$ 31 ‘mM©, 2015 VH$ 57,17,895 ImVo Imobo h¢.

‘mM© 2015 H$mo AnZr 4689 emImAm| H$m `h ~¢H$, {OgH$s 2/3 emImE§ J«m‘rU VWm AY©-ehar joÌm| ‘| h¢ Am¡a 3677 A{V-gyú‘ emImE§ h¢, AnZr nhMmZ [aQ>ob ~¢H$ Ho$ ê$n ‘| ~ZmE aIoJm. AmnH$m ~¢H$ `h gw{Z{üV H$aoJm {H$ [aQ>ob Ed§ àmW{‘H$Vm joÌ nmoQ>©’$mo{b`mo A~ VH$ H$s VwbZm ‘| Am¡a A{YH$ VoOr go {dH$mg H$ao.

~¢H$ H$s {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© H$s dm{f©H$ [anmoQ>© àñVwV H$aVo hþE ‘wPo àgÞVm h¡.

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3


lr amOrd G${fShri RAJEEV RISHIAÜ¶j Ed§ à~§Y {ZXoeH$

CHAIRMAN & MANAGING DIRECTOR

lr Ama. Ho$. Jmo¶bShri R. K. GOYALH$m¶©nmbH$ {ZXoeH$

Executive Director

lr ~r. Ho$. {XdmH$aShri B. K. DIVAKARA

H$m¶©nmbH$ {ZXoeH$Executive Director

S>m°. Ama. gr. bmo‹T>mDr. R. C. LODHAH$m¶©nmbH$ {ZXoeH$

Executive Director

{ZXoeH$ ‘§S>bBOARD OF DIRECTORS

(Omar/Contd...)

4


S>m°. gm¡a^ JJ©Dr. SAURABH GARG

^maV gaH$ma Zm{‘V {ZXoeH$Govt. of India Nominee Director

lr H¥$îU goR>rShri KRISHAN SETHI

J¡a-gaH$mar {ZXoeH$Non-Official Director

lr eoIa ^Q>ZmJaShri SHEKHAR BHATNAGAR

Ama~rAmB© Zm{‘V {ZXoeH$RBI Nominee Director

{ZXoeH$ ‘§S>bBOARD OF DIRECTORS

lr E‘. nr. emoamdmbmShri M. P. SHORAWALA


lr Eg. ~r. amoS>oShri S. B. RODE

A{YH$mar H$‘©Mmar {ZXoeH$Officer Employee Director

lr‘Vr EZ. Eg. aËZà^mSmt. N. S. RATHNAPRABHA


lr Jwa~»e Hw$‘ma OmoerShri GURBAX KUMAR JOSHI

H$‘©H$ma H$‘©Mmar {ZXoeH$Workmen Employee Director

5


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EVXÛmam `h gy{MV {H$`m OmVm h¡ {H$ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ eoàYmaH$m| H$s AmR>dt dm{f©H$ gm‘mÝ` ~¡R>H$ ‘§Jbdma, {XZm§H$ 30 OyZ 2015 H$mo nydm©• 11.00 ~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na hm°pñnQ>b/ [abm`§g EZOu H$m`m©b` Ho$ nmg, Oo.dr.nr.S>r. ñH$s‘, {dbonmb} (npíM‘), ‘w§~B© 400056 ‘| {ZåZ{bpIV H$mamo~ma Ho$ g§nmXZ hoVw Am`mo{OV H$s OmEJr.

1) {XZm§H$ 31 ‘mM© 2015 H$m boImnar{jV VwbZnÌ, {XZm§H$ 31 ‘mM© 2015 H$mo g‘má df© Ho$ {bE bm^-hm{Z ImVm, boIm| Ûmam Amd¥V Ad{Y ‘| ~¢H$m| Ho$ H$m`m] Ed§ J{V{d{Y`m| na {ZXoeH$ ‘§S>b H$s [anmoQ>© Ed§ boIm| VWm VwbZnÌ na boImnarjH$ H$s [anmoQ>© na MMm©, AZw‘moXZ VWm BÝh| ñdrH$ma H$aZm.

2) {dÎmrm` df© 2014-15 H$m bm^m§e Kmo{fV H$aZm.

3) ~¢qH$J H§$nZr (CnH«$‘m| H$m AO©Z E§d A§VaU) A{Y{Z`‘ 1970 ({Ogo BgHo$ nümV A{Y{Z`‘ H$hm OmEJm) H$s Ymam 9 (3) (i), ghn{R>V ~¢qH$J {d{Z`‘ A{Y{Z`‘ 1949, amï´>r`H¥$V ~¢H$ ( à~§YZ Ed§ {d{^Þ àmdYmZ) `moOZm 1970 ( {Ogo BgHo$ nümV `moOZm H$hm OmEJm), goÝQ´b ~¢H$ Am°’$ B§{S>`m ( eo`g© Ed§ ~¡R>H|$ ) {d{Z`‘, 1998 ( {Ogo BgHo$ nümV {d{Z`‘ H$hm OmEJm ) Omo{H$ A{Y{Z`‘ H$s Ymam 19 Ed§ A{YgyMZm g§. S>r~rAmoS>r . g§. ~rgr. g§. 46/29.39.001/ 2007-08 {XZm§H$ 01 Zdå~a 2007 Ed§ ^maVr` [aOd© ~¢H$ Ho$ g§. S>r~rAmoS>r.~rgr. g§.95/29.39.001/2010-11 {XZm§H$ 23 ‘B© 2011 ({Ogo BgHo$ nümV Ama~rAmB© A{YgyMZm H$hm OmEJm) Ho$ AZwgaU ‘| {ZåZ{bpIV g§H$ën nmg H$a Ho$ÝÐ gaH$ma Ho$ A{V[aº$ AÝ` eoàYmaH$m| ‘| go ~¢H$ Ho$ Xmo {ZXoeH$m| H$m MwZmd H$aZm.

`h g§H$ën {b`m OmVm h¡ {H$ A{Y{Z`‘ H$s Ymam 9(3) (i), ghn{R>V `moOZm, CZHo$ A§VJ©V ~ZmE JE {d{Z`‘ Ed§ ^maVr` [aOd© ~¢H$ H$s A{YgyMZm Ho$ AZwgaU ‘| Ho$ÝÐ gaH$ma Ho$ A{V[aŠV AÝ` eoàYmaH$m| ‘| go MwZo JE Xmo {ZXoeH$m|, Omo EVX²Ûmam MwZo JE h¢ / MwZr JB© h¢ CZHo$ MwZo OmZo / MwZo hþE ‘mZo OmZo H$s AJbr VmarI go H$m`©^ma J«hU H$aZo Ho$ {bE ~¢H$ Ho$ {ZXoeH$ MwZo JE / JB© h¢ Am¡a do Bg àH$ma H$m`©^ma J«hU H$aZo H$s VmarI go VrZ df© H$s Ad{Y g‘má hmoZo VH$ H$m`©^ma g§^mb|Jo.

{ZXoeH$ ‘§S>b Ho$ AmXoe go hñVmja

ñWmZ: {Xëbr (E. Ho$. Xmg)

{XZm§H$: 25.05.2015 ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md

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1. ì`m»`mË‘H$ {ddaUr

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2. {d{Z{X©ï> VmarI

goÝQ´b ~¢H$ Am°’$ B§{S>`m (eo`g© Ed§ ~¡R>H|$) {d{Z`‘, 1998 Ho$ {d{Z`‘ 12 Ho$ AZwgaU ‘| Ho$ÝÐ gaH$ma Ho$ A{V[aº$ AÝ` eoàYmaH$m| ‘| go {ZXoeH$m| Ho$ MwZmd ‘| gh^m{JVm AWm©V Zm‘m§H$Z H$aZo, MwZmd b‹S>Zo Ed§ dmoQ> XoZo hoVw nmÌ eoàYmaH$m| Ho$ Zm‘m| H$m {ZYm©aU H$aZo Ho$ CÔoí` go ewH«$dma {XZm§H$ 29 ‘B© 2015 H$mo {d{Z{X©ï VmarI {Z{üV H$s J`r h¡.

3. àm°Šgrµ H$s {Z`w{º$

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àm°Šgr H$mo {Z`wº$ H$aZo g§~§Yr {bIV, MÝXa‘wIr, Zar‘Z nm°BªQ>, ‘w§~B©, 400021 pñWV àYmZ H$m`m©b` ‘| ~¡R>H$ H$s VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V {XZm§H$ 25 OyZ, 2015 H$mo gm`§: 5.00 ~Oo `m BgHo$ nyd© O‘m {H$`m OmZm Mm{hE.

6


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{H$gr H§$nZr Ho$ {d{YdV àm{YH¥$V à{V{Z{Y Ho$ ê$n ‘| H$moB© ì`{º$ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ eoàYmaH$m| H$s ~¡R>H$ ‘| CnpñWV hmoZo AWdm ‘VXmZ H$aZo hoVw V~ VH$ nmÌ Zht hmoJm, O~ VH$ {H$ Cg ~¡R>H$, {Og‘| Cgo {d{YdV ê$n go àm{YH¥$V à{V{Z{Y {Z`wŠV {H$`m J`m hmo, Ho$ AÜ`j Ûmam à‘m{UV àñVmd H$s à{V MÝÐ‘wIr, Zar‘Z nm°B§Q>, ‘w§~B©, 400021 ‘| pñWV ~¢H$ Ho$ àYmZ H$m`m©b` ‘| ~¡R>H$ H$s {Z`V VmarI go H$‘ go H$‘ Mma {XZ nyd© AWm©V {XZm§H$ 25 OyZ, 2015 H$mo gm`§: 5.00 ~Oo `m CgHo$ nyd© VH$ àñVwV Z H$a Xr OmE.

5. ~¢H$ Ho$ {H$gr ^r A{YH$mar `m H$‘©Mmar H$mo {H$gr eoàYmaH$ H$m àm°Šgr `m àm{YH¥$V à{V{Z{Y {Z`wº$ Zht {H$`m OmEJm.

6. CnpñW{V nMu-gh-àdoe nmg

eoàYmaH$m| H$s gw{dYm Ho$ {bE Bg gyMZm Ho$ gmW CnpñW{V nMu-gh-àdoe nmg g§b¾ {H$`m J`m h¡. eoàYmaH$m|/àm°Šgr YmaH$m|/à{V{Z{Y`m| go AZwamoY h¡ {H$ Bg‘| CnbãY H$amE JE ñWmZ na AnZo hñVmja H$a| Am¡a ~¡R>H$ ñWb na Bgo gm¢n X|. eoàYmaH$m| Ho$ àm°Šgr/ à{V{Z{Y`m| H$mo CnpñW{V nMu-gh àdoe nmg ‘| àm°Šgro AWdm à{V{Z{Y, O¡gm r ‘m‘bm hmo, H$m C„oI H$aZm Mm{hE VWm CÝh|, eoàYmaH$ go AnZo hñVmja gË`m{nV H$am H$a AnZr n{hMmZ H$m gmú` gmW ‘| aIZm Mm{hE.

7. eoàYmaH$m| Ho$ a{OñQ>a H$m ~§X hmoZm :

~¢H$ Ho$ eoàYmaH$m| H$m a{OñQ>a Ed§ eoà A§VaU ~{h`m§, {XZm§H$ 25 OyZ, 2015 (Jwê$dma) go {XZm§H$ 30 OyZ, 2015 (‘§Jbdma) (XmoZm| {XZ em{‘b h¡) VH$ ~§X ahoJr.

8. ‘VXmZ H$m A{YH$ma

A{Y{Z`‘ H$s Ymam 3(2B©) Ho$ Cn~§Ym| Ho$ AZwgma, gÑe ZE ~¢H$ H$m Ho$ÝÐ² gaH$ma go {^Þ H$moB© ^r eoàYmaH$, AnZo Ûmam Ym[aV eoàm| Ho$ gå~§Y ‘|, ~¢H$ Ho$ eoàYmaH$m| Ho$ Hw$b ‘Vm{YH$ma Ho$ EH$ à{VeV go A{YH$ Ho$ ‘VXmZ-A{YH$ma H$m à`moJ H$aZo H$m hµH$Xma Zht hmoJm/ hmoJr.

Cn`w©º$ Ho$ AYrZ, {d{Z`‘Z 68 Ho$ AZwgma, àËòH$ eoàYmaH$, Omo eoàYmaH$ Ho$ én ‘| n§OrH¥$V h¡, AnZm hmW Xem©H$a EH$ ‘V Xo gHo$Jm Am¡a ‘VXmZ H$s pñW{V ‘| CgHo$ Ûmam Ym[aV àËòH$ eoà Ho$ {bE Cgo EH$ dmoQ> XoZo H$m A{YH$ma hmoJm.

9. g§`wº$ YmaH$m| Ho$ A{YH$mam| H$m Cn`moJ

{d{Z`‘Zm| Ho$ {d{Z`‘ 10 Ho$ AZwgma, `{X H$moB© eoà Xmo AWdm A{YH$ ì`{º$`m| Ho$ Zm‘ na h¡, Vmo ‘VXmZ Ho$ ‘m‘bo ‘| a{OñQ>a ‘| C{ëbpIV àW‘ Zm‘ Ho$ ì`{º$ H$mo EH$‘mÌ YmaH$ ‘mZm OmEJm. AV: `{X eoà g§`wº$ YmaH$m| Ho$ Zm‘ ‘| h¢ Vmo Ho$db àW‘ Zm‘m§{H$V ì`{º$ hr ~¡R>H$ ‘| ^mJ boZo Ed§ ‘V XoZo (hmW Xem©H$a AWdm ‘VXmZ Ûmam) H$m hH$Xma hmoJm.

10. eoàYmaH$m| go AZwamoY h¡ {H$ do ~¡R>H$ ‘| AnZr dm{f©H$ [anmoQ>© H$s à{V AnZo gmW bmE§.

11.1 ^m¡{VH$ ñdê$n ‘| eoà aIZo dmbo eoàYmaH$m| H$mo gyMZm:

O¡gm {H$ Amn OmZVo hr h¢ {H$ ^m¡{VH$ ñdê$n ‘| eoàm| H$m H«$`-{dH«$` Zht {H$`m Om gH$Vm, AV: eoàYmaH$m| H$mo VabVm àXmZ H$aZo Ho$ {bE h‘ Amngo {ZdoXZ H$aVo h¢ {H$ Amn AnZo eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$a b|. Amn ~¢H$ H$s {H$gr ^r ZOXrH$s emIm Omo S>r‘oQ> godm àXmZ H$aVr hmo, ‘| ImVm ImobH$a AnZo eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$a gH$Vo h¢. ~¢H$ H$s do~gmBQ> na S>r‘oQ> godmE§ àXmZ H$aZo dmbr emImAm| H$s gyMr CnbãY h¡. eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V H$aZo Ho$ AZoH$ ’$m`Xo h¢ O¡go j{V AWdm JbV gwnwX©Jr go ~Mmd, Vrd« {ZnQ>mZ, H$mJOa{hV boZ-XoZ Am{X. gmW hr nVo ‘| n[adV©Z, ~¢H$ A{YXoe, Zm‘m§H$Z Ed§ boZXoZ Ho$ AZwamoY H$s gyMZm ^r EH$ hr ñWmZ na AWm©V dh emIm, Ohm§ AmnZo AnZm S>r‘oQ> ImVm Imobm h¡, ‘| hr XoZr hmoVr h¡, Mmho AmnHo$ nmg EH$ go A{YH$ H§$n{Z`m|/g§ñWmAm| Ho$ eoà hm|.

VXm{n, `{X Amn eoàm| H$mo S>r‘oQ> ñdê$n ‘| n[ad{V©V Z H$a CÝh| ^m¡{VH$ ñdê$n ‘| hr aIZo hoVw BÀNw>H$ h¢ Vmo H¥$n`m h‘| {ZåZ{bpIV ~¢H$ {ddaU àXmZ H$a|, Vm{H$ h‘ bm^m§e H$mo (O~ ^r Kmo{fV {H$`m OmE) grYo AmnHo$ ImVo ‘| O‘m H$a gH|$.

l ~¢H$ H$m Zm‘

l emIm H$m nVm

7


l ~¢H$ ImVm g§»`m

l emIm H$m 9 A§H$s` E‘AmB©grAma H$moS>

l emIm H$m AmB©E’$Eggr H$moS>

(A{Y‘mZV: h‘| EH$ {ZañV MoH$/ MoH$ nÞo H$s à{V{b{n ào{fV H$a|). H¥$n`m ZmoQ> H$a| {H$ ~¢H$ ImVm, eoàm| Ho$ àW‘ YmaH$ Ho$ Zm‘ go hmoZm Mm{hE.

11.2 S>r‘oQ> ñdê$n ‘| eoà aIZo dmbo eoàYmaH$m| H$mo gyMZm :

h‘mam gX¡d `h à`mg ahm h¡ {H$ AnZo gå‘mZZr` eoàYmaH$m| H$mo gdm}Îm‘ godmE§ àXmZ H$s OmE§. h‘Zo nm`m h¡ {H$ Hw$N> eoàYmaH$ Eogo h¢, {OZHo$ nmg S>r‘oQ> ñdê$n ‘| eo`g© h¢; na§Vw CÝhm|Zo AnZo ~¢H$ ImVm| ‘| grYo bm^m§e am{e àmá H$aZo Ho$ {bE, CZHo$ {S>nm°{OQ>ar nm{Q©>{gn|Q> (S>rnr) Ho$ nmg AnZo ~¢H$ ImVo gå~§Yr {ddaU n§OrH¥$V/AÚVZ Zht H$amE h¢. VXZwgma, nyd© ‘| Kmo{fV {H$E JE bm^m§e CÝh|, CZHo$ Ûmam {S>nm°{OQ>arµO Ho$ nmg XO© H$amE JE nVo na hr bm^m§e dma§Q> (S>r.S>ãë¶y.) Ho$ Ûmam ôOo JE h¢.

`h C„oI H$aZm ‘hËdnyU© h¡ {H$ `{X Eogo eoàYmaH$m| Zo CZHo$ S>rnr Ho$ nmg CZHo$ ~¢H$ ImVo Ho$ {ddaU n§OrH¥$V/AÚVZ H$amE hmoVo Vmo bm^m§e H$s am{e grYo CZHo$ ~¢H$ ImVo ‘| O‘m H$am Xr JB© hmoVr, Bggo {Z`V {V{W na bm^m§e H$s ÐþVJ{V go àm{á gw{Z{üV hmo OmVr Am¡a Bggo S>mH$ Ûmam bm^m§e dma§Q> àmá H$aZo ‘| bJo g‘` H$s ~MV hmoVr VWm bm^m§e dma§Q> O‘m H$aZo Ho$ {bE ~¢H$ ‘| OmZo H$s Amdí`H$Vm Zht hmoVr VWm bm^m§e dma§Q> ‘mJ© ‘| Jw‘/Mmoar hmo OmZo H$s Ame§H$m go AWdm CgHo$ H$nQ>nyU© ZH$XrH$aU H$s g§^mdZm go ~Mm Om gH$Vm Wm.

VXZwgma, h‘ BZ eoàYmaH$m| H$mo CZHo$ ~¢H$ ImVm {ddaU O¡go ~¢H$ H$m Zm‘, emIm H$m nVm, ImVm g§»`m, ImVo H$m àH$ma, CZHo$ ~¢H$ Ûmam Omar MoH$ na {dÚ‘mZ Zm¡ A§H$s` E‘AmB©grAma H$moS> g§. H$mo CZHo$ {S>nm°{OQ>ar nm{Q©>{gn|Q>, Ohm§ do S>r‘oQ> ImVm aIVo hm|, Ho$ nmg n§OrH¥$V/AÚVZ H$aZo H$m gwPmd XoVo h¢, Vm{H$ {Z`V {V{W na CZHo$ ~¢H$ ImVo ‘| bm^m§e am{e (O~ ^r Kmo{fV {H$`m Om`) grYo O‘m H$s Om gHo$. BgHo$ A{V[aº$, do ~¢H$ `m AnZo AmaQ>rE, Omo {H$ qbH$ BZQ>mB‘ B§{S>`m àm.{b. h¡, H$mo g^r ^mdr bm^m§e am{e, dmngr am{e `m AÝ` àofUm|, `{X H$moB© hmo, H$mo bm^m§e dma§Q>, MoH$, ‘m§J S´mâQ> Am{X Ûmam ôOo OmZo Ho$ ñWmZ na CZHo$ ~¢H$ ImVo ‘| O‘m {H$E OmZo hoVw A{YXoe Cn`wº$ ~¢H$ {ddaU Ho$ gmW grYo ôO gH$Vo h¢.

12. AXmdmH¥$V bm^m§e, `{X H$moB© h¡:

do eoàYmaH$, {OÝhm|Zo AnZo bm^m§e Zht ^wZmE h¢ `m {OÝh| {nN>bo dfm] ‘| {H$gr ^r df© Ho$ bm^m§e àmá Zht hþE h¢, CZgo AZwamoY h¡ {H$ do AnZo ~¢H$ ImVo ‘| grYo ^wJVmZ {H$E OmZo `m Sw>ßbrHo$Q> bm^m§e/‘m§J S´mâQ> Omar H$aZo Ho$ {bE ~¢H$ Ho$ a{OñQ´ma Ed§ eoà Q´m§g’$a EO|Q> go g§nH©$ H$a|. ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU), A{Y{Z`‘ 1970 H$s Ymam 10 ~r Ho$ AZwgma AàXÎm bm^m§e ImVo ‘| A§VaU H$s VmarI go 7 dfm] H$s Ad{Y VH$ `{X bm^m§e H$s am{e AXÎm AWdm AXmdmH¥$V ahVr h¡ Vmo dh am{e H§$nZr A{Y{Z`‘, 1956 H$s Ymam 205 gr Ho$ A§VJ©V Ho$ÝÐ gaH$ma Ûmam ñWm{nV {ZdoeH$ {ejm Ed§ gwajm {Z{Y (AmB©B©nrE’$) ‘| A§V[aV H$a Xr OmEJr Am¡a VËnümV Bg ^wJVmZ Ho$ g§X^© ‘| H$moB© Xmdm Z Vmo ~¢H$ Am¡a Z hr AmB©B©nrE’$ na bmJy hmoJm.

13. BboŠQ´m°{ZH$ ‘mÜ`‘ go dmoqQ>J

I. H§$nZr {Z`‘ 20 (à~§YZ Ed§ àemgZ) Ho$ gmW n{R>V ñQ>m°H$ EŠgM|O Ho$ gmW hþE gyMr~Õ H$ama Ho$ I§S> 35 ~r Ho$ AZwnmbZ ‘| ~¢H$, dmoqQ>J Ho$ d¡H$pënH$ ‘mÜæ‘ Ho$ Vm¡a na B© dmo{Q>J gw{dYm ghf© àñVm{dV H$aVm h¡ Vm{H$ gXñ`JU AnZo dmoQ> BboŠQ´m°{ZH$ ê$n go H$a nmE§. H§$nZr Ûmam goÝQ´b {S>nm°{OQ>ar g{d©goO (B§{S>`m) {b. Ho$ gmW B©-dmoqQ>J H$mo gwb^ ~ZmZo Ho$ {bE Amdí`H$ ì`dñWmE§ H$a br J`r h¢.

B©-dmoqQ>J g§~§Yr à{H«$`m Ed§ AZwXoe {ZåZmZwgma h¢ :

(i) dmoqQ>J g‘`md{Y e{Zdma {XZm§H$ 27 OyZ, 2015 H$mo àmV: 10:00 ~Oo go àma§^ hmoH$a gmo‘dma {XZm§H$ 29 OyZ, 2015 H$mo gm`§ 5:00 ~Oo g‘má hmoJr. EOoÝS>m ‘X g§»`m 3 H$mo N>mo‹S>H$a {OgHo$ {bE H$Q> Am°’$ VmarI ewH«$dma {XZm§H$ 29 ‘B©, 2015 h¡, Bg g‘`md{Y Ho$ Xm¡amZ ~wYdma {XZm§H$ 24 OyZ, 2015 H$s H$Q> Am°’$ VmarI H$mo ~¢H$ Ho$ eoàYmaH$, {OZHo$ eoà ^m¡{VH$ ê$n ‘| hmo AWdm S>r‘oQ> ê$n ‘| hm|, AnZo dmoQ> BboŠQ´m°{ZH$ ‘mÜ`‘ go Xo gH$Vo h¢. BgHo$ nümV grS>rEgEb Ûmam B©-dmoqQ>J ‘m°S>çyb H$mo {ZpîH«$` H$a {X`m OmEJm.

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(ii) eoà YmaH$ B©-dmoqQ>J do~gmBQ www.evotingindia.com na bm°J Am°Z H$a|.

(iii) eoàhmoëS>g© na pŠbH$ H$a|.

(iv) A~ AnZm `yOa AmB©S>r S>mb|

E. grS>rEgEb Ho$ {bE : 16 A§H$s` bm^mWu AmB©S>r

~r. EZEgS>rEb Ho$ {bE : 8 A§H$m| Ho$ S>rnr AmB©S>r Ho$ nümV 8 A§H$m| H$m ŠbmB§Q> AmB©S>r

gr. ^m¡{VH$ ñdH$ê$n ‘| eo`g© aIZo dmbo gXñ`m| H$mo ~¢H$ ‘| n§OrH¥$V ’$mo{b`mo Z§~a E§Q>a H$a|.

(v) BgHo$ nümV àX{e©V H$s J`r gË`mnZ N>{d H$mo E§Q>a H$a bm°J BZ na pŠbH$ H$a|.

(vi) `{X AmnHo$ nmg eo`g© S>r‘oQ> ê$n ‘| h¢ Ed§ AmnZo www.evotingindia.com na bm°J Am°Z {H$`m h¡ Ed§ nyd© ‘| AmnZo {H$gr H§$nZr / g§JR>Z ‘| dm|{Q>J H$s h¡ V~ AmnHo$ dV©‘mZ nmgdS©> H$m à`moJ {H$`m OmE.

(vii) `{X Amn àW‘ ~ma Cn`moJH$Vm© h¢ Vmo {ZåZ>{bpIV MaUm| H$m AZwgaU H$a| :

S>r ‘oQ> Ed§ ^m¡{VH$ ñdê$n ‘| eo`g© aIZo dmbo gXñ`m| Ho$ {bEn¡Z Am`H$a {d^mJ Ûmam Omar 10 A§H$s` Aë’$mÝ`y{‘[aH$ *n¡Z E§Q>a H$a|. (S>r‘oQ> eoàYmaH$m| Ho$ gmW gmW ^m¡{VH$

eoàYmaH$m| XmoZm| Ho$ {bE bmJy )

l do gXñ` {OÝhm|Zo ~¢H$ / {ZjonmJma gh^mJr ‘| AnZm n¡Z AÚVZ Zht {H$`m h¡, CZgo AZwamoY h¡ {H$ do n¡Z ’$sëS> ‘| AnZo Zm‘ Ho$ àW‘ Xmo Aja Ed§ gr³doÝg Z§~a Ho$ 8 A§H$m| H$m à`moJ H$a|.

l gr³doÝg Z§~a 8 A§H$m| go H$‘ hmoZo H$s pñW{V ‘|, Zm‘ Ho$ àW‘ Xmo Ajam| H$mo H¡${nQ>b Ajam| ‘| {bIZo Ho$ nümV `Wmo{MV g§»`m ‘| 0 {bI|, AWm©V `{X AmnH$m Zm‘ Ramesh Kumar h¡ Ed§ gr³doÝg Z§~a 1 h¡ V~ n¡Z ’$sëS> ‘| RA 00000001 S>mb|.

OÝ‘ {V{W S>r‘oQ> ImVo AWdm H${WV S>r‘oQ> ImVo AWdm ’$mo{b`mo Ho$ {bE ~¢H$ A{^boI ‘| XO© OÝ‘>{V{W à{dï> H$a|.bm^m§e ~¢H$ {ddaU AmnHo$ S>r‘oQ> ImVo AWdm H${WV S>r‘oQ> ImVo Ho$ {bE ~¢H$ AWdm ’$mo{b`mo ‘| XO© bm^m§e ~¢H$ {ddaU à{dï> H$a|.

l bm°J BZ H$aZo Ho$ {bE H¥$n`m OÝ‘ {V{W S>rAmo~r AWdm bm^m§e ~¢H$ {ddaU E§Q>a H$a|. `{X do {ddaU ~¢H$ AWdm {ZjonmJma ‘| A{^bopIV Zht h¢ Vmo H¥$n`m bm^m§e ~¢H$ {ddaU AZwXoe (iv) ‘| {H$E CëboI Ho$ AZwgma gXñ` AmB© S>r / ’$mo{b`mo Z§~a ‘| à{dï H$a|.

(viii) g‘w{MV ê$n go Cº$ {ddaU à{dï> H$aZo Ho$ nümV, g~{‘Q> Q>o~ na pŠbH$ H$a|.

(ix) V~ Eogo eoàYmaH$, {OZHo$ eo`g© ^m¡{VH$ ê$n ‘| h¢, CZHo$ {bE grYm dmoqQ>J ñH«$sZ CnbãY hmo OmEJm. VWm{n do gXñ`, {OZHo$ eo`g© S>r‘oQ> ñdê$n ‘| h¢ do nmgdS©> {H«$òeZ ‘oÝ`w ‘| nhþ§M|Jo Ohm§ CÝh| Zò nmg dS©> ’$sëS> ‘| A{Zdm`©V: bm°J BZ nmgdS©> E§Q>a H$aZm hmoJm. H¥$n`m ZmoQ> H$a| {H$ S>r‘oQ> eoà YmaH$m| Ûmam Bg nmgdS©> H$m Cn`moJ AÝ` g§ñWm/H§$nZr ‘| `{X ‘VXmZ Ho$ {bE nmÌ hm| Vmo dhm§ ^r g§H$ënm| H$s dmoqQ>J Ho$ {bE do Bgr nmgdS©> H$m Cn`moJ H$a gH|$J|, ~eV} {H$ H§$nZr/g§ñWm, Ûmam grS>rEgEb ßboQ>’$m°‘© Ho$ ‘mÜ`‘ go B©-dmoqQ>J H$m {dH$ën MwZm J`m hmo. `h nwaOmoa AZwe§gm H$s OmVr h¡ {H$ Amn AnZm nmgdS©> {H$gr ^r AÝ` ì`{º$ H$mo Z ~VmE§ Am¡a Bgo JmonZr` aIZo Ho$ {bE n`m©á gmdYmZr ~aV|.

(X) ^m¡{VH$ ñdê$n ‘| eoàYm[aV H$aZo dmbo gXñ`, AnZo {ddaU, {g’©$ Bg gyMZm ‘| {XE JE g§H$ën na B©-dmoqQ>J Ho$ {bE hr H$a gH$Vo h¢.

(xi) g§~§{YV H§$nZr H$m Zm‘ {Og na Amn dmoQ> H$aZm MmhVo hm| Ho$ {bE B©drEgEZ na pŠbH$ H$a|.

(xii) dmoqQ>J n¥ð> na AmnH$mo g§H$ën {ddaU Ed§ BgHo$ g‘j dmoqQ>J Ho$ {bE hm§ / Zht H$m {dH$ën {XImB© XoJm. AnZr BÀN>mZwgma hm§ AWdm Zht Ho$ {dH$ën H$m M`Z H$a|. hm§ H$m {dH$ën àñVmd Ho$ à{V AmnH$s gh‘{V Xem©Vm h¡ Ed§ Zht H$m {dH$ën AmnH$s Agh‘{V Xem©Vm h¡.

(xiii) `{X Amn g§H$ën H$m g§nyU© {ddaU XoIZm MmhVo hm| Vmo "[aOmoë`yeÝg ’$mBb' qbH$ na pŠbH$ H$a|.

(xiv)"[aOmoë`yeZ' H$m M`Z H$aZo Ho$ Cnam§V, AmnZo dmoQ> S>mbZo H$m {ZU©` {b`m h¡, g~{‘Q> na pŠbH$ H$a|. EH$ H$Ý’$‘}eZ ~m°Šg àX{e©V

9


hmoJm. `{X Amn AnZo dmoQ> H$s nw{ï> H$aZm MmhVo h¢ Vmo Amo.Ho$. na pŠbH$ H$a|, AÝ`Wm AnZm dmoQ> n[ad{V©V H$aZo hoVw H|${gb na pŠbH$ H$a| Am¡a VXZwgma AnZm dmoQ> g§emo{YV H$a|.

(xv) g§H$ën na EH$ ~ma AnZm dmoQ> "H$Ý’$‘©' H$aZo Ho$ nümV AmnH$mo AnZm dmoQ> g§emo{YV H$aZo H$s AZw‘{V Zht hmoJr.

(xvi) Amn dmoqQ>J n¥ð na {àÝQ> H$aZo Ho$ {bE "`hm§ pŠbH$ H$a|' {dH$ën na pŠbH$ H$a Amn AnZo Ûmam H$s J`r dmoqQ>J H$m {àÝQ bo gH$Vo h¢.

(xvii) {X S>r‘oQ> ImVmYmaH$ AnZm nmgdS©> ^yb OmVm h¡ V~ `yOa AmB©S>r Ed§ N>{d gË`mnZ E§Q>a H$a ’$m°aJm°Q> nmgdS©> na pŠbH$ H$a {gñQ>‘ Ûmam {Xò Jò {ddaU H$mo E§Q>a H$a|.

(xviii) J¡a d¡`{º$H$ eoàYmaH$ Ed§ A{âjH$m| Ho$ {bE ZmoQ>

l J¡a d¡`{º$H$ eoàYmaH$m| (AWm©V d¡`p³VH$mo, EM`yE’$, EZAmaAmB© BË`m{X) Ed§ A{âjH$ H$mo www.evotingindia.com na bm°JBZ H$a AnZo AmnH$mo H$m°nm}aoQ> Ho$ Vm¡a na n§OrH¥$V H$aZm Amdí`H$ h¡.

l n§OrH$aU ’$m‘© na g§ñWm Ho$ hñVmja Ed§ ‘wha bJmH$a CgH$s EH$ ñH¡$Z à{V helpdesk.evotingindia.com na B©-‘ob H$s OmZr Mm{hE.

l bm°{JZ {ddaU àmá hmoZo Ho$ nümV ES>{‘Z bm°JBZ Ed§ nmgdS©> H$m à`moJ H$a AZwnmbZ à`moJH$Vm© {Z{‘©V {H$`m OmZm Mm{hE. AZwnmbZH$Vm© Cn`moJH$Vm© CZ ImVm| H$m qbH$ XoZo ‘| gj‘ hmoJm {OgHo$ {bE do dmoQ> H$aZo Ho$ BÀNw>H$ h¡.

l ImVm| H$s gyMr helpdesk.evotingcdslindia.com na ‘ob H$aZr Mm{hE Ed§ ImVm| Ho$ AZw‘moXZ Ho$ nümV do dmoQ> H$aZo gj‘ hm|Jo.

l ~moS©> Ho$ g§H$ën Ed§ ‘w»VmaZm‘m {Ogo A{âjH$ Ho$ nj ‘| Omar {H$`m J`m h¡, Om§MH$Vm© Ûmam Om§MZo Ho$ {bE {gñQ>‘ ‘| nrS>rE’$ àmê$n ‘| {gñQ>‘ ‘| AnbmoS> H$s OmZr Mm{hE.

(xix) B©-dmoqQ>J Ho$ ‘m‘bo ‘| `{X AmnH$s H$moB© e§H$m AWdm ‘wÔm h¡, Vmo Amn do~gmBQ> www.evotingindia.com Ho$ hoën goŠeZ Ho$ A§VJ©V CnbãY Am‘Vm¡a na nyN>o OmZo dmbo àý (E’$EŠ`y) Ed§ B©-dmoqQ>J Ho$ ‘oÝ`wAb H$m g§X^© bo gH$Vo h¢ AWdm helpdesk.evotingcdslindia.

com na B©-‘ob H$a gH$Vo h¢.

ll H$m`©gyMr g§. 1 d 2 Ho$ {bE H$Q>-Am°’$ VmarI ~wYdma {XZm§H$ 24 OyZ, 2015 H$mo ~¢H$ H$s MwH$Vm B{¹$Q>r eoà ny§Or ‘| eoàm|YmaH$m| Ho$ eoàm| Ho$ AZwnmV ‘| CZHo$ dmoqQ>J A{YH$ma hm|Jo. EOoÝS>m H$m`© gyMr g§»`m 3 Ho$ {bE H$Q> Am°’$ VmarI ewH«$dma 29 ‘B©, 2015 hmoJr. VWm{n ~¢qH$J H§$nZrO (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 3(2B©) Ho$ àmdYmZm| H$s eVm] Ho$ AZwgma, Ho$ÝÐ gaH$ma H$mo N>mo‹S>H$a ~¢H$ H$m AÝ` H$moB© ^r eoàYmaH$ CgHo$ Ym[aV eoàm| Ho$ {bE ~¢H$ Ho$ g^r eoàYmaH$m| Ho$ Hw$b dmoqQ>J A{YH$mam| Ho$ 10 à{VeV go A{YH$ dmoqQ>J A{YH$ma H$m à`moJ H$aZo hoVw nmÌ Zht hmoJm.

lll Bg gyMZm H$s EH$ à{V H§$nZr H$s do~gmBQ> Ed§ grS>rEgEb H$s do~gmBQ> na àX{e©V H$s JB© h¡

IV B©-dmoqQ>J à{H«$`m H$mo C{MV Ed§ nmaXeu VarHo$ go g§nÞ H$aZo hoVw lr à‘moX Eg. emh, H$m`©aV H§$nZr g{Md (à¡pŠQ>g à‘mUnÌ g§. 3804 H$m) H$mo Om§MH$Vm© Ho$ ê$n ‘| {Z`wº$ {H$`m J`m h¡.

V gmYmaU ~¡R>H$ ‘| dmoqQ>J g‘má hmoZo Ho$ Vwa§V nümV gd©àW‘ Om§MH$Vm©, ~¡R>H$ ‘| S>mbo JE dmoQ>m| H$s {JZVr H$a|Jo, CgHo$ nümV H$‘ go H$‘ Eogo Xmo Jdmhm|, Omo ~¢H$ H$s godm ‘| Zht hm|, Ho$ g‘j [a‘moQ> B©-dmoqQ>J Ho$ ‘mÜ`‘ go S>mbo Jò dmoQ>m| H$mo AZãbm°H$ H$a|Jo Ed§ ~¡R>H$ gånÞ hmoZo Ho$ VrZ {XZm| Ho$ A§Xa nj VWm {dnj ‘| {XE JE `{X hmo, Hw$b dmoQ>m| H$s g‘o{H$V Om§MH$Vm© H$s Om§M [anmoQ>© AÜ`j AWdm CgHo$ Ûmam {bpIV ‘| A{YH¥$V ì`{º$ Omo Bg na à{VhñVmja H$aoJm, H$mo àñVwV H$aoJm.

VI Om§MH$Vm© H$s [anmoQ>© g{hV Kmo{fV n[aUm‘ H§$nZr H$s do~gmBQ> www.centralbankofindia.co.in Ed§ grS>rEgEb H$s do~gmBQ> na ~¢H$ H$s dm{f©H$ gmYmaU ~¡R>H$ ‘| g§H$ën n[aV H$aZo Ho$ Xmo (2) {XZm| Ho$ ^rVa àX{e©V {H$E OmE§Jo Ed§ ~rEgB© {b{‘Q>oS> VWm ZoeZb ñQ>m°H$ {b{‘Q>oS> H$mo ^r gy{MV {H$E OmE§Jo.

10


ì`m»`mË‘H$ {ddaUr

Xmo eoàYmaH$ {ZXoeH$m| H$m MwZmd

l {ZXoeH$m| H$mo MwZZo ‘| eoàYmaH$m| H$m A{YH$ma

~¢H$ H$s B{¹$Q>r eoà ny§Or ‘| ^maV gaH$ma Ho$ A{V[aº$ AÝ` eoàYmaH$m| H$s eoà Ym[aVm 18.5401% h¡. ~¢qH$J H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 9(3)(i) Ho$ AZwgma goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ {ZXoeH$ ‘§S>b ‘| eoàYmaH$m| (Ho$ÝÐ gaH$ma Ho$ A{V[aº$) H$m à{V{Z{YËd H$aVo Xmo {ZXoeH$ em{‘b hm|Jo. VXZwgma, Cn`w©º$ nXm| H$mo âZo Ho$ {bE Ho$ÝÐ gaH$ma Ho$ A{V[aº$ AÝ` eoàYmaH$m| Ûmam Xmo {ZXoeH$m| H$m MwZmd H$amZm Amdí`H$ h¡.

AV:, ~¢H$ Ho$ eoàYmaH$m| H$m à{V{Z{YËd H$aZo Ho$ {bE Xmo {ZXoeH$m| Ho$ MwZmd H$amE OmZo H$m g§H$ën nmg H$aZo Ho$ {bE EOrE‘ Ho$ Zmo{Q>g H$s H$m`©gyMr ‘| EH$ ‘X Omo‹S>r JB© h¡.

Bg{bE eoàYmaH$ (Ho$ÝÐ gaH$ma Ho$ A{V[aº$) A{Y{Z`‘, {d{Z`‘ A{Y{Z`‘, `moOZm {d{Z`‘, A{YgyMZm Ho$ VËg§~Yr àmdYmZ, Omo ZrMo {ZX}{eV h¢, ‘| d{U©V à{H«$`m Ho$ AZwgma AnZm Zm‘m§H$Z ào{fV H$aZo Ho$ {bE nmÌ h¢. Xmo {ZXoeH$m| H$m MwZmd Zm‘m§H$Z H$s Om§M (`{X d¡Y Zm‘m§H$Z H$s g§»`m [aº$ nXm| Ho$ g‘mZ hmo) AWdm `{X à{V^mJr A{YH$ hm| Vmo {XZm§H$ 30 OyZ, 2015 H$mo hmoZo dmbo MwZmd ‘| MwZo OmE§Jo. MwZo JE {ZXoeH$mo H$mo CZHo$ MwZo OmZo AWdm MwZo hþE ‘mZo OmZo H$s VmarI H$s AJbr VmarI go CZH$m H$m`©^ma J«hU H$aZm ‘mZm OmEJm Am¡a do Bg àH$ma H$m`©^ma J«hU H$aZo H$s VmarI go VrZ df© H$s Ad{Y g‘má hmoZo VH$ H$m`©^ma g§^mb|Jo.

l {d{YH$-àmdYmZ

{ZåZ{bpIV gmaUr Bg g§~§Y ‘| bmJy {d{^Þ A{Y{Z`‘m| / {d{Z`‘m| / A{YgyMZmAm| H$s àmdYmZm| H$mo n[ab{jV H$aVr h¡:

A{Y{Z`‘ `moOZm / {d{Z`‘ /A{YgyMZmE§

àmdYmZ g§{já {ddaU

~¢qH$J {d{Z`‘ A{Y{Z`‘, 1949

Ymam 20 l {H$gr ^r {ZXoeH$ AWdm BZH$s Amoa go {H$gr H$mo ^r F$U AWdm A{J«‘ àXmZ H$aZo na à{V~§Y.

~¢qH$J H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970

Ymam 3(2B©)

Ymam 9(3)(i)

Ymam9 (3E)(E) go (gr)

Ymam 9(3EE)

Ymam 9(3E~r)

Ymam 9(3~r) Ymam 13(2)

l dmoqQ>J A{YH$ma na à{V~§Y.

l eoàYmaH$m| Ûmam MwZo Jò {ZXoeH$m| H$s g§»`m.

l {d{eï> joÌm| ‘| {deof kmZ.

l H$moB© ^r ì`{º V~ VH$ {ZXoeH$ MwZo OmZo Ho$ {bE nmÌ Zht hmoJm O~ VH$ dh {’$Q> Ed§ QóH$ [aH$m°S©> Ho$ AmYma na B©‘mZXmar Ed§ ^maVr` [aOd© ~¢H$ Ûmam {ZYm©[aV AÝ` ‘mZX§S> Ho$ AZwgma Cn`wº$ pñW{V ‘| Z hmo.

l ^maVr` [aOd© ~¢H$ Zo Cn Ymam(3EE) Ho$ A§VJ©V Omar A{YgyMZm ‘| {H$gr Ho$ {’$Q> Ed§ C{MV pñW{V H$m AmH$bZ H$aZo hoVw àm{YH$ma, Bg AmH$bZ H$mo H$aZo H$m VarH$m, Bg AmH$bZ Ho$ {bE AZwgaU H$s OmZo dmbr nÕ{V Ed§ AÝ` g^r ‘m‘bo Omo ^r BgHo$ {bE Amdí¶H$ Ed§ àmg§{JH$ hm| H$mo CëbopIV {H$`m h¡.

l MwZo Jò Eogo {ZXoeH$ H$mo, Omo H${WV A{Y{Z`‘ H$s Ymam 9(3E) Ed§ 9(3EE) H$s AnojmAm| H$mo nyU© Z H$aVm hmo, H$mo hQ>mZo H$m ^maVr` [aOd© ~¢H$ A{YH$ma àXmZ H$aVr h¢.

l {dœñVVm Ed§ JmonZr`Vm H$s ~mÜ`Vm.

11


amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{^Þ§ àmdYmZ) `moOZm 1970

I§S> 9(4)

I§S> 10

I§S> 11

I§S> 11E

I§S> 11 ~r

I§S> 12(8)

l MwZo Jò {ZXoeH$ Ho$ nX H$m`m©b` H$s eV]

l ~¢H$ Ho$ {ZXoeH$ MwZo OmZo go {Zah©Vm.

l {ZXoeH$ Ho$ H$m`m©b` H$mo N>mo‹S>Zm.

l MwZo Jò {ZXoeH$ H$mo nX ‘wºµ$ H$aZm.

l MwZo Jò {ZXoeH$ Ho$ H$m`m©b` ‘| gm‘mÝ` nX H$mo âZm.

l Hw$N> ì`dñWmAm| ‘| {Og‘| {ZarjH$ H$s ê${M hmo, CZ‘| CZHo$ {hVm| H$m àH$Q>rH$aU.

goÝQ´b ~¢H$ Am°’$ {d{Z`‘ 10 l g§`wº$ YmaH$m| Ho$ A{YH$mam| H$m à`moJ.B§{S>`m (eo`g© Ed§ ~¡R>H$) {d{Z`‘, 1998

{d{Z`‘ 61

{d{Z`‘ 63

{d{Z`‘ 64

{d{Z`‘ 65

{d{Z`‘ 66

{d{Z`‘ 67

{d{Z`‘ 68

{d{Z`‘ 69

{d{Z`‘ 70

l gmYmaU ~¡R>H$ ‘| ‘VXmZ

l gmYmaU ~¡R>H$ ‘| {ZXoeH$m| H$m M`Z

l eoàYmaH$m| H$s gyMr

l MwZmd Ho$ {bE Aä`Wu H$m Zm‘m§H$Z

l Zm‘m§H$Zm| H$s g§drjm

l MwZmd {ddmX

l ‘VXmZ A{YH$mam| H$m {ZYm©aU

l {d{YdV àm{YH¥$V à{V{Z{Y`m| Ûmam ‘VXmZ

l àm°Šgr^m[a~¢ H$s A{YgyMZm g§. S>r~rAmoS>r g§. ~rgr g§. 46 Ed§ 47/29.39.001/2007-08 {XZm§H$ 01 Zdå~a 2007 Ho$ gmW n{R>V A{YgyMZm g§. S>r~rAmoS>r.~rgr.g§. 95/29.39.001/2010-11 {XZm§H$ 23 ‘B© 2011.

~¢qH$J H$ånZrO (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 Ho$ I§S> 9(3EE) Ed§ I§S> 9 (3E~r) Ho$ AZwgaU ‘|.

l amï´>r`H¥$V ~¢H$m| Ho$ M`{ZV {ZXoeH$m| hoVw "Cn`wº$ Ed§ C{MV' ‘mZX§S>.

l do~gmBQ> na {XE JE A{Y{Z`‘m| / `moOZmAm| / {d{Z`‘m| / A{YgyMZmAm| H$m gmam§e

eoàYmaH$m| H$s gw{dYm hoVw {d{Z`‘ A{Y{Z`‘, A{Y{Z`‘, `moOZm, A{Y{Z`‘ Ho$ gmam§e g{hV ^m[a~¢ H$s {XZm§H$ 1 Zd§~a, 2007 H$s A{YgyMZm g§. S>r~rAmoS>r.~rgr.g§. 46 Ed§ 47 /2939.001/2007-08 Ed§ {XZm§H$ 23 ‘B©, 2011 H$s A{YgyMZm g§.S>r~rAmoS>r.~rgr.g§.95/29.39.001/2010-11, h‘mao ~¢H$ H$s do~gmBQ: www.centralbankofindia.co.in na CnbãY hmoJr. ò gmam§e ~¢H$ Ho$ àYmZ H$m`m©b` MÝXa‘wIr, Zar‘Z nm°BªQ>, ‘wå~B© 400021 ‘| pñWV ghm`H$ ‘hmà~ÝYH$, E‘~rS>r/H$ånZr goH«o$Q>ar H$mo gå~mo{YV AZwamoY na Zm‘m§H$Z àmê$n H$mo àñVwV H$aZo H$s {ZYm©[aV A§{V‘ {V{W AWm©V {XZ ‘§Jbdma, 16 OyZ, 2015 H$mo AWdm Bggo nyd© B©-‘ob ^r {H$`m OmEJm.

l Aä`Wu hoVw `mo½`VmE§

Aä`Wu A{Y{Z`‘ H$s Ymam 9 (3E) ‘| d{U©V `mo½`VmAm| H$m AZwnmbZ H$a|Jo Am¡a `moOZm Ho$ I§S> 10 ‘| {Z{X©ï> A`mo½`Vm go J«{gV Z hm| Am¡a {d{Z`‘ Ho$ {d{Z`‘ 65 ‘| {Z{X©ï> eVm] H$mo nyam H$aVm hmo, {OgH$m {ddaU {ZåZmZwgma h¡:

(E) A{Y{Z`‘ H$s Ymam 9(3E) Ho$ AZwgma ~¢H$ H$m eo aYmaH$ hmoVo hþE EH$ Aä`Wu Omo ~¢H$ H$m {ZXoeH$ ~ZZo H$m BÀNw>H$ h¡ Vmo Cgo…-

(E) {ZåZ{bpIV ‘| go {H$gr EH$ AWdm A{YH$ ‘m‘bm| ‘| {deof kmZ `m ì`mdhm[aH$ AZw^d hmoZm Mm{hE, - H¥${f Ed§ J«m‘rU AW©ì`dñWm,

12


~¢qH$J,

ghH$m[aVm,

AW©ì`dñWm,

{dÎm,

{d{Y,

bKw CÚmoJ,

{H$gr AÝ` ‘m‘bo ‘| H$moB© {deof kmZ, Ed§ ì`mdhm[aH$ AZw^d Omo ^m[a~¢ H$s am` ‘| ~¢H$ Ho$ {bE Cn`moJr hmo;

(~r) O‘mH$Vm©Am| Ho$ {hVm| H$m à{V{Z{YËd H$aVm hmo; AWdm

(gr) H¥$fH$m|, H$m‘Jmam|, H$marJam| Ho$ {hVm| H$m à{V{Z{YËd H$aVm hmo.

(~r)A{Y{Z`‘ H$s Ymam 9(3EE) Am¡a ^m[a~¢ Ho$ A{YgyMZm Ho$ AZwgma, Aä`Wu H$mo ~¢H$ H$m eoàYmaH$ hmoZm Mm{hE Am¡a Omo ~¢H$ Ho$ {ZXoeH$ H$m Zm‘m§H$Z âVo g‘` Q´¡H$ [aH$mS©> Ho$ AZwgma "Cn`wº$ Ed§ C{MV', gË`{Zð>m Am¡a ^m[a~¡ Ûmam g‘`-g‘` na A{Ygy{MV AÝ` ‘mZX§S>m| H$mo nyam H$aVm hmo.

(gr)BgHo$ A{V[aº$, M`{ZV {ZXoeH$ H$mo à{VkmnÌ {dboI {Zînm{XV H$aZm hmoJm Am¡a Bg gå~ÝY ‘| ^maVr` [aOd© ~¢H$ Ûmam {ZYm©[aV dm{f©H$ KmofUmnÌ àñVwV H$aZm hmoJm.

l ~¢H$ Ho$ {ZXoeH$ Ho$ ê$n ‘| M`{ZV hmoZo Ho$ Cnam§V A`mo½`VmE§

(E) ~¢H$ amï´>r`H$aU (à~ÝYZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 Ho$ I§S> 10 Ho$ AZwgma H$moB© ^r ì`{º$ EH$ {ZXoeH$ Ho$ ê$n ‘| {Z`w{º$ Ed§ {ZXoeH$ hmoZo Ho$ {bE A`mo½` hmo OmVm h¡ O~ dh …-

(E) {X dh H$^r {H$gr g‘` {Xdm{b`m Kmo{fV {H$`m Om MwH$m hmo AWdm ^wJVmZ AmñW{JV hþAm hmo AWdm boZXmam| Ho$ gmW {ddmX hmo; AWdm

(~r)`{X dh gj‘ Ý`m`mb` Ûmam ApñWa ‘mZ{gH$ pñW{V Ed§ {dMma dmbm Kmo{fV {H$`m J`m hmo; AWdm

(gr)`{X dh ’$m¡OXmar AXmbV Ûmam {H$gr AnamY Ho$ {bE X§{S>V {H$`m J`m hmo {Og‘| Z¡{VH$ M[aÌhrZVm em{‘b hmo; AWdm

(S>r)`{X dh {H$gr amï´>r`H¥$V ~¢H$ `m ñQ>oQ> ~¢H$ Am°’$ B§{S>`m A{Y{Z`‘, 1955 H$s Ymam 3 Ho$ Cn{Z`‘ (1) Ho$ A§VJ©V J{R>V ñQ>oQ> ~¢H$ Am°’$ B§{S>`m AWdm ñQ>oQ> ~¢H$ Am°’$ B§{S>`m (AZwf§Jr ~¢H$ ) A{Y{Z`‘,1959 H$s Ymam 3 ‘| n[a^m{fV H$moB© AZwf§Jr ~¢H$ ‘| EH$ nyU©H$m{bH$ {ZXoeH$ Ho$ nX H$mo N>mo‹S>H$a à~§Y {ZXoeH$ g{hV A{Y{Z`‘ H$s Ymam 9 Ho$ Cn{Z`‘ (3) Ho$ I§S> (B©) Ed§ I§S> (E’$) Ho$ A§VJ©V g§~§{YV gÑe ~¢H$ Ho$ H$‘©Mm[a`m| ‘| go {H$gr H$m`m©b` ‘| Zm‘m§{H$V {ZXoeH$ Ho$ Vm¡a na bm^H$mar nX Ym[aV H$aVm hmo.

Am¡a

(~r) ^maVr` [aOd© ~¢H$ H$s A{YgyMZm g§. S>r~rAmoS>r.g§. ~rgr.g§. 46 Ed§ 47/29.39.001/2007-08 {XZm§H$ 1 Zdå~a 2007 Ho$ gmW n{R>V A{YgyMZm g§.S>r~rAmoS>r.~rgr.g§.95/29.39.001/2010-11 {XZm§H$ 23 ‘B©, 2011 H$s Ho$ AZwgma, `{X dh ~¢H$ H$s {ZXoeH$m| H$s Zm‘m§H$Z g{‘{V Ûmam "Cn`wº$ Ed§ C{MV' ì`{º$ Zht nm`m OmVm h¡ CgH$m Zm‘m§H$Z d¡Y Zht ‘mZm OmEJm.

l à{V`mo{J`m| Ho$ {bE eoàYmaH$m| H$s gyMr

ewH«$dma, {XZm§H$ 29 ‘B©, 2015 H$mo ~¢H$ Ho$ eoàYmaH$m| H$s gyMr ‘§Jbdma, {XZm§H$ 2 OyZ, 2015 H$mo/go goÝQ´b ~¢H$ Am°’$ B§{S>`m ‘wå~B© Ho$ nj ‘| Xo` ` 50,000 (énE nMmg hOma ‘mÌ) Ho$ {S>‘m§S> S´mâQ> Ho$ gmW ghm`H$ ‘hmà~ÝYH$, E‘~rS>r/H$ånZr g{Md, goÝQ´>b ~¢H$ Am°’$ B§{S>`m, Ho$ÝÐr` H$m`m©b`, 9 dt ‘§{Ob, MÝXa‘wIr, Zar‘Z nm°BªQ>, ‘wå~B© 400021 H$mo gå~mo{YV AmdoXZ àñVwV H$aZo na {~H«$s hoVw CnbãY ahoJr. BÀNw>H$ Aä`Wu eoàYmaH$m| H$s gyMr H$s Om§M H$a gH$Vo h¢ Ed§ Cggo Hw$N> A§e {ZH$mb ^r gH$Vo h¢.

l eoàYmaH$m| Ho$ a{OñQ>a H$m {ZarjU

eoàYmaH$m| H$m a{OñQ>a, ~¢H$ Ho$ Ho$ÝÐr` H$m`m©b` ‘| {ZarjU hoVw gmo‘dma go ewH«$dma VH$ gw~h 11 ~Oo go Xmonha 3 ~Oo VH$ Ed§ e{Zdma

13


H$mo gw~h 11 ~Oo go Xmonha 1 ~Oo VH$ {ZarjU Ho$ {bE Iwbm ahoJm (~¢H$ AdH$me H$mo N>moS>H$a). `{X H$moB© ^r eoàYmaH$ BgH$s à{V AWdm a{OñQ>a H$m H$åß`yQ>a qàQ> AWdm CgH$m H$moB© ^mJ àmá H$aZm MmhVm h¡ Vmo à{V 1000 eãX AWdm CgHo$ {H$gr ^mJ Ho$ {bE ` 5/- H$s Xa go nyd© ^wJVmZ H$aZo na `h CnbãY H$am`m OmEJm.

l MwZmd ‘| ^mJrXmar

Eogo eoàYmaH$, {OZH$m Zm‘ {XZm§H$ 29 ‘B©, 2015 H$mo EZEgS>rEb/grS>rEgEb/AmaQ>rE Ûmam CnbãY H$amE AZwgma gXñ` /bm^mWu ñdm‘r Ho$ a{OñQ>a ‘| àX{e©V h¢, do g^r Ho$ÝÐ gaH$ma H$mo N>mo‹S>H$a AÝ` eoàYmaH$m| ‘| go {ZXoeH$m| Ho$ MwZmd ‘| ^mJ boZo AWm©V Zm‘m§H$Z H$aZo, MwZmd b‹S>Zo Am¡a ‘VXmZ H$aZo Ho$ nmÌ hm|Jo.

{d{Z`‘ 68 Ho$ AZwgma àËòH$ eoàYmaH$ Omo {XZm§H$ 29 ‘B©, 2015 Ho$ gmYmaU ~¡R>H$ go nyd© Ho$ {d{Z{X©ï> VmarI H$mo eoàYmaH$ Ho$ ê$n ‘| n§OrH¥$V h¢, hmW Ho$ àXe©Z go EH$ dmoQ> Ed§ ‘VXmZ Ho$ ‘m‘bo ‘| CgHo$ Ûmam Ym[aV à{V eoà hoVw EH$ dmoQ> Xo gHo$Jm.

Zm‘m§H$Z :

Zm‘m§H$Zm| H$s d¡YVm

{d{Z`‘ 65 Ed§ ^maVr` [aOd© ~¢H$ H$s A{YgyMZm S>r~rAmoS>r.g§. ~rgr.g§. 46 Ed§ 47/29.39.001/2007-08 {XZm§H$ 1 Zdå~a 2007 Ho$ gmW n{R>V A{YgyMZm g§.S>r~rAmoS>r.~rgr.g§.95/29.39.001/2010-11 {XZm§H$ 23 ‘B©, 2011 Ho$ AZwgma Ed§ {d{^Þ A{Y{Z`‘m| Ho$ AÝ` bmJy àmdYmZm| Ho$ AZwgma {ZXoeH$ Ho$ ê$n ‘| MwZmd hoVw {H$gr Aä`Wu H$m Zm‘m§H$Z d¡Y hmoJm ~eV] :

(E) dh, MwZmd ‘| ^mJ boZo hoVw {d{Z{X©ï> VmarI ewH«$dma, 29 ‘B©, 2015 H$mo ~¢H$ Ho$ Ý`yZV‘ 100 (EH$ gm¡) eoàm| H$m YmaH$ hmo;

(~r) ‘§Jbdma, {XZm§H$ 16 OyZ, 2015 H$mo (Zm‘m§H$Z àm{á H$s A§{V‘ {V{W), dh A{Y{Z`‘, `moOZm AWdm ^m[a~¢ A{YgyMZm Ho$ A§VJ©V A`mo½` Kmo{fV Zht {H$`m J`m hmo;

(gr)A{Y{Z`‘ Ho$ A§VJ©V {ZXoeH$m| H$m M`Z H$aZo Ho$ nmÌ Ý`yZV‘ EH$ gm¡ eoàYmaH$m| Ûmam `m CZHo$ {d{YdV J{R>V AQ>m°Zu Ûmam {bpIV hñVmj[aV Zm‘m§H$Z hmo ~eV} {H$ eoàYmaH$ Ho$ H§$nZr hmoZo na `h H${WV H§$nZr Ho$ {ZXoeH$m| Ho$ g§H$ën Ûmam {H$`m J`m hmo Ed§ O~ Eogm {H$`m J`m hmo Vmo {Og ~¡R>H$ ‘| `h g§H$ën nmg {H$`m J`m hmo Cg ~¡R>H$ Ho$ AÜ`j Ûmam g§H$ën H$s àm‘m{UV à{V ~¢H$ Ho$ àYmZ H$m`m©b` H$mo ghm`H$ ‘hmà~ÝYH$- E‘~rS>r Ed§ H$ånZr goH«o$Q>ar, goÝQ´b ~¢H$ Am°’$ B§{S>`m, 9dt ‘§{Ob, MÝÐ‘wIr, Zar‘Z nm°BªQ>, ‘wå~B© 400021 H$mo gå~mo{YV H$aVo hþE ào{fV H$s OmEJr Ed§ Eogr à{V H$mo H${WV H§$nZr H$s Amoa go Zm‘m§H$Z ‘mZm OmEJm.

(S>r)eoàYmaH$m| Ûmam Zm‘m§H$Z (Ý`yZV‘ 100) Ho$ gmW Aä`Wu H$m Bg Ame` H$m KmofUmnÌ Bg Zmo{Q>g ‘| {XE JE KmofUm Ed§ Zm‘m§H$Z Ho$ àmê$nm| Ho$ Z‘yZo Ho$ AZwgma {H$gr Ý`m`mYre, XÊS>m{YH$mar, AmœmgZ (Eí`wa|g) a{OñQ´ma AWdm Cn a{OñQ´ma AWdm AÝ` amOn{ÌV A{YH$mar AWdm ^maVr` [aOd© ~¢H$ AWdm {H$gr amï´>r`H¥$V ~¢H$ Ho$ A{YH$mar Ho$ g‘j {d{YdV hñVmj[aV h¡ {H$ dh Zm‘m§H$Z ñdrH¥$V H$aVm h¡ Am¡a MwZmd ‘| I‹S>m hmoZo H$m BÀNw>H$ h¡, Ed§ dh {ZXoeH$ Ho$ ê$n ‘| Zm‘m§H$Z hoVw ~¢qH$J {d{Z`‘Z A{Y{Z`‘ Ho$ A§VJ©V AWdm {H$gr A{YZ`‘ AWdm `moOZm AWdm {d{Z`‘ AWdm ^m[a~¢ A{YgyMZm Ho$ A§VJ©V A`mo½` Zht h¡, Ho$ gmW {d{YdV hñVmj[aV CgH$m ì`{º$JV {ddaU (~m`moS>mQ>m) Am¡a `h nw{ï>H$aU {H$ Cº$ {ddaU CgH$s A{YH$V‘ OmZH$mar Ed§ {dœmg Ho$ AZwê$n gË` h¡ Ed§ `h dMZ ^r {H$ CgH$s KmofUm Ho$ nümV BZ gyMZmAm| go g§~§{YV Hw$N> ^r K{Q>V hmoZo na dh `Wmgå^d erK« ~¢H$ H$mo AdJV H$amEJm.

(B©) Zm‘m§H$Z àmê$n Ed§ KmofUmnÌ, {d{Z`‘ Ûmam Wm{ZYm©[aV g§b¾ àmê$n Ho$ AZwgma h¢ (`h àmê$n ~¢H$ H$s do~gmBQ> www.centralbankofindia.

co.in na ^r CnbãY h¡.)

Zm‘m§H$Z àmê$nm| H$s àñVw{V

{ZXoeH$m| Ho$ MwZmd b‹S>Zo Ho$ BÀNw>H$ à{V^mJr {ZåZ{bpIV àñVwV H$a| :

(E) {d{YdV âm hþAm KmofUmnÌ;

(~r) MwZmd ‘| ^mJ boZo hoVw nmÌ Ý`yZV‘ 100 eoàYmaH$m| go Zm‘m§H$Z;

(gr) Bg Zmo{Q>g Ho$ gmW g§b¾ àmê$n ‘| ì`{º$JV gyMZmE§, KmofUmnÌ Ed§ dMZ nÌ, g§~§{YV XñVmdoOm|, AZwe§gm nÌ, AWm©V ~m`moS>mQ>m, e¡{jH$ `mo½`VmAm| Ho$ à‘mUnÌ, AZw^d BË`m{X Ho$ gmW ha àH$ma go nyU© g^r XñVmdoO ‘wha~ÝX {b’$m’o$ ‘| ghm`H$ ‘hmà~ÝYH$- E‘~rS>r Ed§

14


H$ånZr g{Md, goÝQ´b ~¢H$ Am°’$ B§{S>`m, 9dt ‘§{Ob, MÝXa‘wIr, Zar‘Z nm°BªQ>, ‘wå~B© 400021 H$mo ~¡R>H$ H$s VmarI go H$‘ go H$‘ 14 {XZ nyd© {H$gr H$m`© {Xdg AWm©V ‘§Jbdma, 16 OyZ, 2015 H$mo H$m`©g‘` H$s g‘m{á AWm©V gm`§ 5.00 ~Oo VH$ àñVwV {H$E Om`|.

{ZXoeH$m| H$m MwZmd Ed§ XñVmdoOm| H$s g§drjm

E) Zm‘m§H$Zm| H$s g§drjm, Zm‘m§H$Z H$s àm{á hoVw {Z`V {V{W Ho$ AJbo H$m`©{Xdg AWm©V ~wYdma, 17 OyZ, 2015 H$mo H$s OmEJr Ed§ {H$gr Zm‘m§H$Z Ho$ d¡Y Z nmE OmZo Ho$ ‘m‘bo ‘| CgH$s {ZañVJr Ho$ H$maUm| H$mo XO© H$aVo hþE Cgo {ZañV H$a {X`m OmEJm.

~r) Zm‘m§H$Zm| H$s g§drjm ^maVr` [aOd© ~¢H$ Ho$ {XZm§H$ 01 Zdå~a 2007 Ed§ {XZm§H$ 23 ‘B©, 2011 Ho$ "Cn`wº$ Ed§ `Wmo{MV' {Xem{ZX}em| Ho$ AZwgma ~moS©> H$s Zm‘m§H$Z g{‘{V H$s g§drjm Ho$ AYrZ hm|Jo.

gr) `{X MwZmd Ûmam ^ar OmZo dmbr Xmo [a{º$`m| Ho$ {bE {g’©$ Xmo hr d¡Y Zm‘m§H$Z àmá hmoVo h¢, Vmo Bg àH$ma Zm‘m§{H$V Aä`Wu H$mo MwZm hþAm ‘mZ {b`m OmEJm Am¡a Bg àH$ma MwZo OmZo na CZHo$ Zm‘ Ed§ nVo àH$m{eV {H$E§ OmE§Jo. Eogr pñW{V ‘| Bg CÔoí` hoVw Am`mo{OV H$s JB© ~¡R>H$ ‘| H$moB© MwZmd Zht hmoJm. {Zdm©{MV Aä`Wu CZHo$ {Zdm©{MV Kmo{fV hmoZo H$s VmarI go AJbr VmarI H$mo nX^ma J«hU H$a|Jo.

S>r) MwZmd hmoZo H$s pñW{V ‘| `{X d¡Y Zm‘m§H$Z Xmo go A{YH$ hmo Vmo MwZmd ‘| ~hþ‘V àmá Aä`Wu H$mo {Zdm©{MV ‘mZm OmEJm Am¡a CZHo$ Zm‘m| H$s KmofUm AÜ`j Ûmam H$s OmEJr VWm CÝh| g‘mMma nÌm| ‘| ^r àH$m{eV {H$`m OmEJm. do {XZm§H$ 1 OwbmB©, 2015 go nX^ma J«hU H$a|Jo.

B©) H$moB© ^r {ddmX hmoZo na Cgo {d{Z`‘m| Ho$ {d{Z`‘ 67 Ho$ AZwgma {ZnQ>m`m OmEJm.

Zm‘m§H$Zm| H$m dmng {b`m OmZm

`{X H$moB© Aä`Wu AnZm Zm‘m§H$Z dmng boZm MmhVm h¡, Vmo dh e{Zdma, {XZm§H$ 27 OyZ, 2015 H$mo H$m`©g‘` H$s g‘m{á go nyd© VH$ {H$gr ^r g‘` Zm‘m§H$Z dmng boZo H$m nmÌ hmoJm.

{ZXoeH$m| Ho$ {hV

~¢H$ Ho$ {ZXoeH$m| H$m H$mamo~ma Ho$ Cn`w©º$ ‘Xm| go g§~Õ AWdm CZ‘| é{M hmoZm g‘Pm OmEJm, `{X do MwZmd b‹S>Vo h¢.

{ZXoeH$ ‘§S>b Ho$ AmXoe go hñVmja

ñWmZ: {Xëbr (E. Ho$. Xmg)

{XZm§H$: 25.05.2015 ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md

15


KmofUm nÌ(Aä`Wu Ûmam)

({d{Z`‘ Ho$ {Z`‘ 65 H$m gÝX^© b|)

‘¢ lr/lr‘Vr .............................................................................................. nwÌ/nwÌr/ nËZr lr/lr‘Vr ........................................................................................................{Zdmg ñWmZ .................................................................................EVXÛmam nw{ï> H$aVm / H$aVr hÿ§ {H$ :

E. ‘¢, MwZmd ‘| ^mJrXmar Ho$ {bE {ZYm©[aV {V{W ewH«$dma, {XZm§H$ 29 ‘B©, 2015 H$mo goÝQ´b ~¢H$ Am°µ’$ B§{S>`m Ho$ ` 10 /- àËòH$ Ho$ ..........................................................................(nyU© àXÎm) ’$mo{b`mo g§. .................................../S>rnr AmB©S>r g§.................................................. /J«mhH$ AmB©S>r g§. ..................................... Ho$ A§VJ©V eoàYmaH$ hÿ§. Ed§

~r. ‘wPo * (i) H¥${f Ed§ J«m‘rU AW©ì`dñWm, (ii) ~¢qH$J, (iii) ghH$m[aVm, (iv) AW©emó, (v) {dÎm ì`dñWm, (vi) {d{Y, (vii) bKw CÚmoJ, AWdm ......................................................... (^m.[a.~¢. H$s am` ‘| {OgH$m {deof kmZ Ed§ ì`mdhm[aH$ AZw^d ~¢H$ Ho$ {bE Cn`moJr ahoJm) Ed§ ‘¢ ~¢qH$J H$ånZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 9 H$s CnYmam 3 E Ho$ AZwê$n O‘mH$Vm©Am|/H¥$fH$m|, H$m‘Jmam| Ed§ H$marJam| Ho$ {hVm| H$m à{V{Z{YËd H$aVm/H$aVr hÿ§ {OZHo$ à‘mU ñdê$n ‘¢ hm§ Amdí`H$ à‘mUnÌ àñVwV H$a ahm/ahr hÿ§; Ed§

gr) ‘¢ ........................................ go ..................................... g§»`m VH$ Ho$ Zm‘m§H$Z ñdrH$ma H$aVm /H$aVr hÿ§. Ed§

S>r) ‘¢ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ {ZXoeH$ H$m MwZmd H$mo b‹S>Zo Ho$ {bE BÀNw>H$ hÿ§, Ed§

B©) ‘¢, ~¢qH$J {d{Z`‘ A{YZ`‘, 1949 Ho$ àmdYmZm|, ~¢qH$J H$ånZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970, ~¢H$ amï´>r`H$aU (à~ÝYZ Ed§ {d{dY àmdYmZ) `moOZm, 1970, goÝQ´b ~¢H$ Am°’$ B§{S>`m (eo`g© Ed§ ~¡R>H$) {d{Z`‘, 1998 Ed§ ^m[a~¢ A{YgyMZm Ho$ A§VJ©V ~¢H$ Ho$ {ZXoeH$ Ho$ ê$n ‘| MwZo OmZo Ho$ A`mo½` Zht hÿ§, Ed§

E’$) ‘¢, {H$gr amï´>r`H¥$V ~¢H$ `m ñQ>oQ> ~¢H$ Am°’$ B§{S>`m A{Y{Z`‘, 1955 H$s Ymam 3 Ho$ Cn{Z`‘ (1) Ho$ A§VJ©V J{R>V ñQ>oQ> ~¢H$ Am°’$ B§{S>`m AWdm ñQ>oQ> ~¢H$ Am°’$ B§{S>`m (AZwf§Jr ~¢H$) A{Y{Z`‘, 1959 H$s Ymam 3 ‘| n[a^m{fV H$moB© AZwf§Jr ~¢H$ H$m Z hr H$‘©Mmar hÿ§, Z hr H$moB© bm^ H$m nX YmaU H$aVm/H$aVr hÿ§.

Or) ‘¢ AnZr ì`{º$JV gyMZmE§ g§b½Z H$a ahm hÿ§, Omo ‘oar A{YH$V‘ OmZH$mar Am¡a {dœmg ‘| gË` Ed§ nyU© h¡; Ed§

EM) h nw{ï>H$aU {H$ Cº$ {ddaU CgH$s A{YH$V‘ OmZH$mar Ed§ {dœmg Ho$ AZwê$n gË` h¡ Ed§ `h dMZ ^r {H$ CgH$s KmofUm Ho$ nümV BZ gyMZmAm| go g§~§{YV Hw$N> ^r K{Q>V hmoZo na dh `Wmgå^d erK« ~¢H$ H$mo AdJV H$amEJm Ed§ ~¢H$ Ho$ {ZXoeH$ Ho$ ê$n ‘| M`{ZV hmoZo na ‘¢ gh‘{V {dboI H$mo {Zînm{XV H$ê$§Jm/H$ê§$Jr.

Zm‘hñVmjaeoàm| H$s g§»`mn§OrH¥$V ’$mo{b¶mo g§.(`{X S>r-‘¡Q> Z hmo)S>rnr AmB©S>r g§. Ed§ J«mhH$ AmB©S>r g§.(`{X S>r-‘¡Q> Z hmo)ñWmZ{XZm§H$Cn`w©º$ KmofUmE§ ‘oao g‘j hñVmj[aV H$s JB© h¢

hñVmja Ed§ ‘wha

à‘mUZH$Vm© A{YH$mar H$m Zm‘

Zm{‘Vr Ûmam `h KmofUmnÌ {H$gr Ý`m`mYre, X§S>m{YH$mar, AmœmgZ n§Or`H$ AWdm Cn n§Or`$, AWdm {H$gr AÝ` amOn{ÌV A{YH$mar AWdm ^maVr` [aOd© ~¢H$ AWdm {H$gr amï´>r`H¥$V ~¢H$ Ho$ {H$gr A{YH$mar Ho$ g‘j hñVmj[aV {H$`m Om`.

*Omo ^r bmJy hm|, Cg na {ZemZ bJmE§.

16


Zm‘m§H$Z àmê$n(eoàYmaH$ Ho$ {bE)

({d{Z`‘ Ho$ {Z`‘ 65 (S>r) H$m gÝX^© )

H«$‘. g§.

à{V,

AÜ`j Ed§ à~§Y {ZXoeH$ goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ÝÐr` H$m`m©b`, MÝXa‘wIr, Zar‘Z nm°B§Q>, ‘wå~B© 400021

‘hmoX`,

{ZXoeH$ Ho$ MwZmd hoVw Zm‘m§H$Z

AmnHo$ Zmo{Q>g {XZm§H$ 25.05.2015 Ho$ gÝX^© ‘| ‘¢, lr/lr‘Vr ............................................................................

........................................................... MwZmd ‘| ^mJrXmar Ho$ {bE {ZYm©[aV {Xdg ewH«$dma, {XZm§H$ 29 ‘B©, 2015 goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ à{V eoà én¶o 10 (nyU©V… àXÎm) Ho$ ................................eoàm| H$m/H$s eoàYmaH$ hÿ§, EVXÛmam lr/lr‘Vr ............................................................................. nwÌ/nwÌr/ nËZr lr/lr‘Vr .........................{Zdmg ........................................................................ ~¢qH$J H$ånZr (CnH«$‘m| H$m AO©Z Ed§ AÝVaU ) A{Y{Z`‘, 1970 H$s Ymam 9 (3) (i) Ho$ àmdYmZm| Ho$ AZwgma, ‘§Jbdma, {XZm§H$ 30 OyZ, 2015 H$mo Am`mo{OV hmoZo dmbr eoàYmaH$m| H$s dm{f©H$ gmYmaU ~¡R>H$ ‘|, ~¢H$ Ho$ eoàYmaH$m| Ho$ à{V{Z{YËd hoVw goÝQ´b ~¢H$ Am°’$ B§{S>`m H$m {ZXoeH$ M`{ZV hmoZo Ho$ {bE Zm‘m§{H$V H$aVm /H$aVr hÿ§.

Zm‘

hñVmja

eoàm| H$s g§»`m

n§OrH¥$V ’$mo{b`mo g§.

(`{X S>r-‘¡Q> Z hmo)

S>rnr AmB©S>r g§. Ed§ J«mhH$ AmB©S>r g§.

(`{X S>r-‘¡Q> Z hmo)

ñWmZ

{XZm§H$

ZmoQ²g :

1. {H$gr H$m°nm}aoQ> {ZH$m` Ûmam Zm‘m§H$Z Ho$ ‘m‘bo ‘|, Zm‘m§H$Z àmê$n Ho$ gmW Cg ~¡R>H$, {Og‘| {ZXoeH$ ‘§S>b Ûmam Bg hoVw g§H$ën nm[aV {H$`m J`m hmo, Ho$ AÜ`j Ho$ hñVmjam| go à‘m{UV g§H$ën H$s gË` à{V ^r àñVwV H$s Om`.

2. Aä`Wu H$m Zm‘m§H$Z H$aZo dmbo eoàYmaH$m| Ho$ hñVmja, ~¢H$ Ho$ eoà Q´m§g’$a EO|Q> Ho$ nmg CnbãY Z‘yZm hñVmjam| Ho$ gmW {‘bZo Mm{hE.

3. Cn`w©º$ {H$gr H$m°b‘ Ho$ Imbr N>mo‹S>o OmZo AWdm Cg‘| H$moB© {ddaU AgË` nmE OmZo na Zm‘m§H$Z {ZañV hmoZo `mo½` hmoJm.

17


¶hm§ AnZm ñd-à‘m{UV nmgnmoQ>© AmH$ma H$m ’$moQ>mo

{MnH$mE§

ì`{º$JV gyMZm, KmofUmnÌ Ed§ dMZ nÌ àñVwV H$aZo hoVw àmê$n

{XZm§H$ ........ 2015 H$mo ¶Wmo{MV AZwb½ZH$m| g{hV Aä`Wu Ûmam H$s JB© KmofUm Ed§ dMZ nÌI. Aä`Wu H$m ì`{º$JV {ddaU

1. Aä`Wu H$m nyam Zm‘ (A§J«oOr Ho$ ~‹S>o Ajam| ‘|)

2. {nVm H$m nyam Zm‘

3. OÝ‘ {V{W

4. amï´>r`Vm

5. (1) ñWmB© ImVm g§. (Am`H$a A{Y{Z`‘ Ho$ A§VJ©V)

(2) Am` H$a gH©$b/{S>drOZ H$m Zm‘ Ed§ nVm, Ohm§ na ì`{º$JV H$a àm{á`m§ O‘m hmoVr h¢.

6. ñWmB© nVm

7. dV©‘mZ nVm (nÌmMma hoVw)

8. (1) B©-‘ob AmB©S>r

(2) Q>obr’$moZ Z§. (b¢S>bmBZ)

(3) ‘mo~mBb Z§.II. `mo½`Vm Ed§ AZw^d

1. `mo½`Vm (e¡{jH$/AH$mX{‘H$)

(H¥$n`m gyMZm H$s nw{ï> hoVw à‘mUnÌm| H$s ñd-à‘m{UV à{V`m§ g§b½Z H$a|) .

2. `mo½`Vm (ì`mdgm{`H$)

(H¥$n`m gyMZm H$s nw{ï> hoVw à‘mUnÌm| H$s ñd-à‘m{UV à{V`m§ g§b½Z H$a|) .

3. kmZ (~¢qH$J H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 9(3-E) Ho$ A§VJ©V Amdí`H$VmZwgma).

4. AZw^d (H¥$n`m ~¢H$ Ho$ {ZXoeZ go g§~§{YV AmnHo$ AZw^d H$m {ddaU X|).

5. ~¢H$ Ho$ {ZXoeZ go g§~§{YV H$moB© AÝ` OmZH$mar.III. Aä`Wu Ho$ g§~§{Y`m| H$m {ddaU

1. CZ g§~§{Y`m| H$m {ddaU, `{X H$moB© hmo, Omo {H$gr ^r Vah go ~¢H$ go Ow‹S>o hmo [H¥$n`m H§$nZr A{Y{Z`‘, 2013 H$s Ymam 2(77), ghn{R>V H§$nZr (n[a^mfm {ddaU H$s {dñV¥V OmZH$mar) {Z`‘, 2014 H$m {Z`‘ 4 H$m g§X^© b|.]

2. Eogr BH$mB`m| H$s gyMr, `{X H$moB© hmo, {Og‘| do é{M aIVo hmo [H§$nZr A{Y{Z`‘, 2013 H$s Ymam 2(49) Ed§ Ymam 184 H$m g§X^© b|]

3. Aä`Wu Ho$ Zm‘ ‘| goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ Ym[aV eo`am| H$m {ddaU, `{X H$moB© hmo,

18


(H¥$n`m Ym[aV eo`am| H$s g§»`m, A§{H$V ‘yë`, boOa ’$mo{b`mo Zå~a(am|) AWdm S>rnr AmB©S>r Ed§ ŠbmB§Q> AmB©S>r H$m {ddaU X|).

4.E ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949 H$s Ymam 5(EZB©) Ho$ A{^àm` Ho$ VhV CZ BH$mB`m| H$s gyMr, {Og‘| Aä`Wu n`m©á {hVYmaH$ ‘mZm OmVm hmo.

4.~r ~¢qH$J {d{Z`‘Z A{Y{Z`‘, 1949 H$s Ymam 5(EZB©) Ho$ A{^àm` Ho$ VhV CZ BH$mB`m| H$s gyMr, {Og‘| Aä`Wu go g§~§{YV nm{Q©>`m§ n`m©á {hV aIVr h¡.

5. {nN>bo N>: dfm] Ho$ Xm¡amZ ~¢H$(H$m|) Ho$ ~moS©>(S>m]) H$m {ZXoeZ/gXñ`Vm (H¥$n`m ~¢H$(H$m|) Ho$ Zm‘, A{Y{Z`‘ H$m g§~§{YV àmdYmZ, {OgHo$ A§VJ©V {Z`w{º$/Zm‘m§H$Z {H$`m J`m Wm Ed§ Eogr gXñ`Vm/{ZXoeZ H$s YmaU Ad{Y).

6. Cnamoº$ 3, 4(E) Ed§ 5 ‘| gy{MJV g§ñWmZm| go dV©‘mZ ‘| Aä`Wu Ûmam br Om ahr {Z{Y Ed§ J¡a-{Z{YJV gw{dYmE§, `{X H$moB© hmo.

7. Eogo ‘m‘bo, {OZ‘| Aä`Wu AWdm Cn`w©º$ ‘X g§ 3, 4(E), 4(~r) Ed§ 5 ‘| gyMr~Õ BH$mB`m§ goÝQ´b ~¢H$ Am°’$ B§{S>`m AWdm {H$gr AÝ` ~¢H$ go br JB© F$U gw{dYmAm| Ho$ g§~§Y ‘| MyH$H$Vm© h¢ AWdm nyd© ‘| MyH$H$Vm© ahr h¢.

IV. ì`mdgm{`H$ CnbpãY`m§

1. ì`mdgm{`H$ CnbpãY`m§ (H¥$n`m CZ CnbpãY`m| H$m {ddaU X|, Omo ~¢H$ {ZXoeZ go g§~§{YV hm|).

V. Aä`Wu Ho$ {déÕ H$ma©dmB©, `{X H$moB© hmo,

1. Š`m Aä`Wu {H$gr ì`mdgm{`H$ g§ñWm/g§JR>Z H$m gXñ` h¡, CZHo$ {déÕ AZwemgZmË‘H$ H$ma©dmB©, `{X H$moB© hmo, b§{~V AWdm ewé hþB© hmo AWdm nyd© ‘| CZHo$ {déÕ ‘| Xmof {g{Õ ‘| n[a{UV hþB© hmo, H$m {ddaU AWdm dh H$^r {H$gr ì`dgm`/amoOJma ‘| à{dï> hmoZo go à{V~§{YV {H$`m J`m / H$s JB©.

2. Am{W©H$ {Z`‘ Ed§ A{Y{Z`‘ H$m Cëb§KZ Ho$ {bE {ZXoeH$ Am¡a/AWdm Cnamoº$ III-2, 4(E), 4(~r) Ed§ 5 ‘| gyMrJV BH$mB`m| Ho$ {déÕ A{^`moOZ, H$moB© hmo, b§{~V hmo, ewé hþAm hmo AWdm nyd© ‘| Xmof {gÕ hþE A{^`moOZ H$m {ddaU.

3. Aä`Wu Ho$ {déÕ dV©‘mZ ‘wH$X‘m, `{X H$moB© hmo, g{hV nyd© ‘| Aä`Wu Ho$ {déÕ hþE Amnam{YH$ A{^`moOZ, b§{~V AWdm àma§^ hþE AWdm Xmof {g{Õ ‘| n[a{UV hþE H$m {ddaU.

4. Š`m Aä`Wu/{ZXoeH$ ‘| H$ånZr A{Y{Z`‘, 2013 H$s Ymam 164 ghn{R>V amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970 Ho$ IÊS> 10 ‘| d{U©V H$moB© A`mo½`Vm h¡ ?

5. Š`m Aä`Wu AWdm Cnamoº$ III-2, 4(E), 4(~r) Ed§ 5 ‘| gyMrJV BH$mB`m| Ho$ {déÕ gaH$mar {d^mJ AWdm EO|gr Ho$ AZwamoY na H$moB© Om§M hþB© h¡?

6. Š`m Aä`Wu H$^r gr‘m ewëH$/ CËnmX ewëH$/ Am`H$a / {dXoer ‘wÐm {d{Z‘`/ AÝ` amOñd àm{YH$mar Ûmam {Z`‘/A{Y{Z`‘/ d¡Ym{ZH$ Amdí`H$VmAm| Ho$ Cëb§KZ H$m Xmofr nm`m J`m h¡ ?

7. Š`m Aä`Wu /{ZXoeH$ H$mo H$^r go~r, AmB©AmaS>rE, ^m[a~¢, E‘grE, ’o$‘m BË`m{X O¡go {d{Z`m‘H$ go à{VHy$b Zmo{Q>g àmá hþAm h¡.

19


(`Ú{n Aä`Wu Ho$ {bE `h Amdí`H$ Zht h¡ {H$ {d{Z`m‘H$m| Ûmam {XE JE AmXoem| Ed§ {ZU©`m|, {OÝh| ~mX ‘| nbQ> / Xa{H$Zma H$a {XE JE hm|, CZH$m hÿ-~hÿ CëboI H$a| na§Vw V~ Adí` {H$`m Om` {H$ O~ Eogo ‘m‘bo Ý`m` joÌ H$s gr‘mAm| AWdm H$^r O¡go VH$ZrH$s H$maUm| go nbQ>o / Xa{H$Zma {H$E JE hmo Z {H$ ‘m‘bo Ho$ JwUXmof Ho$ AmYma na. `{X {Z`m‘H$ H$m AmXoe AñWmB© Vm¡a na ñW{JV {H$`m J`m hmo Ed§ Anrbr¶>/AXmbVr H$m`©dmhr b§{~V hmo V~ ^r CgH$m CëboI {H$`m Om`).

8. AnZo H$V©ì`m| H$m {Zd©hZ H$aVo g‘` Aä`Wu/{ZXoeH$ Š`m {H$gr AÝ` ì`{º$ AWdm g§ñWmZ AWdm ~¢H$ AWdm H$ån{Z`m| BË`m{X Ho$ {ZX}em| AWdm AZwXoem| na H$m`© H$a|Jo? `{X h¡, Vmo {ddaU X|.

9. Š`m Aä`Wu Zo AnZr ì`{º$JV h¡{g`V go ~¢H$ go H$moB© ì`dgm` {H$`m h¡ ? `{X hm§, Vmo {ddaU X|.

10. Cn`w©º$ I go V VH$ H$s ‘Xm| Ho$ g§~§Y ‘| H$moB© AÝ` ì`m»`m/gyMZm Ed§ AÝ` OmZH$mar Omo "Cn`wº$ Ed§ `Wmo{MV' pñW{V Ho$ {ZYm©aU hoVw àmg§{JH$ ‘mZr Om`.

dMZZm‘m

‘¢............................................................................................................nwÌ/nwÌr lr ................................................. nw{ï> H$aVm/H$aVr hÿ§ {H$ Cn¶w©³V OmZH$mar ‘oar A{YH$V‘ OmZH$mar Ed§ {dœmg go nyU©V: gË` Ed§ g§nyU© h¡. ‘¢ ~¢H$ Ho$ eo`aYmaH$ {ZXoeH$ Ho$ ê$n ‘| ‘oao MwZmd Ho$ AZwdVu K{Q>V hmoZo dmbr Eogr KQ>ZmAm|, `{X H$moB© hm|, Am¡a Omo D$na Xr JB© gyMZmAm| go g§JV hm|, Ho$ ~mao ‘| `WmerK« ~¢H$ H$mo AdJV H$amVo ahZo H$m dMZ XoVm/XoVr hÿ§.

~¢H$ Ho$ {ZXoeH$m| Ûmam {Zînm{XV H$aZo hoVw dm§{N>V gh‘{V {dboI H$mo {Zînm{XV H$aZo H$m ^r dMZ XoVm/XoVr hÿ§.

ñWmZ:

{XZm§H$: Aä`Wu H$m hñVmja

g§b½ZH$:

ZmoQ>: 1. Ohm§ ^r ñWmZ n`m©á Z hmo, dhm§ H¥$n`m H$mbH«$‘mZwgma Am¡a g‘w{MV AÝ`moÝ` gÝX^© g{hV AZwb½ZH$ g§b½Z H$a|.

2. g^r n¥ð>m| (AZwb½ZH$m| g{hV) na Aä`Wu Ho$ hñVmja Amdí`H$ h¡.Zm‘m§H$Z g{‘{V H$m AdbmoH$Z

gXñ` Ho$ hñVmja gXñ` Ho$ hñVmja gXñ` Ho$ hñVmja

{XZm§H$:ñWmZ :

20


Hw$b ì`dgm` (é. H$amo‹S> ‘|)

n¡am‘rQ>a ‘mM© 07 ‘mM© 08 ‘mM© 09 ‘mM© 10 ‘mM© 11 ‘mM© 12 ‘mM© 13 ‘mM© 14 ‘mM© 15

Hw$b ì`dgm` 1,36,265 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390 4,50,539

df©-Xa-df© d¥{Õ 35.48 % 18.10 % 23.49% 15.43% 11.63% 15.96% 5.25% 6.41%

Hw$b O‘m 82,776 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069 2,55,572

df©-Xa-df© d¥{Õ 33.28% 18.99% 23.49% 10.64% 9.38% 15.22% 6.21% 6.46%

Hw$b F$U Ed§ A{J«‘ 53,489 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321 1,94,967

df©-Xa-df© d¥{Õ 38.88% 16.76% 23.49% 22.67% 14.70% 16.92% 4.02% 6.35%

{Zdoe 29,037 32,646 44,445 52,008 54,847 59,577 72,662 86,384 95,655

df©-Xa-df© d¥{Õ 12.43% 36.14% 17.02% 5.46% 8.62% 21.96% 18.88% 10.73%

grS>r AZwnmV 64.62 % 67.34% 66.08% 66.08% 73.27% 76.83% 77.97% 76.36% 76.29

AmpñV`m| na à{Vbm^ 0.62 % 0.54% 0.45% 0.66% 0.70% 0.26% 0.44% (0.47%) 0.21%

bm^àXVm (é. H$amo‹S> ‘|)

n¡am‘rQ>a ‘mM© 07 ‘mM© 08 ‘mM© 09 ‘mM© 10 ‘mM© 11 ‘mM© 12 ‘mM© 13 ‘mM© 14 ‘mM© 15

gH$b Am` 6,710 8,787 11,525 13,799 16,486 20,545 23,528 26,350 28,303

df©-Xa-df© d¥{Õ 30.94 % 31.17 % 19.73 % 19.47 % 24.62 % 14.52 % 11.99 % 7.41%

gH$b ì`` 5,444 7,518 10,088 11,741 13,895 17,730 20,355 23,112 24,744

df©-Xa-df© d¥{Õ 38.10 % 34.18 % 16.38 % 18.35 % 27.60 % 14.81 % 13.54 % 7.06%

n[aMmbZ bm^ 1,266 1,268 1,437 2,058 2,591 2,815 3,173 3,238 3559

df©-Xa-df© d¥{Õ 0.20 % 13.28 % 43.24 % 25.90 % 8.65 % 12.72 % 2.05 % 9.91%

ewÕ bm^ 498 550 571 1,059 1,252 533 1,015 (1,263) 606

df©-Xa-df© d¥{Õ 10.47 % 3.83 % 85.36 % 18.24 % (57.43 %) 90.43 % (224.43 %) 147.98

{Z‘ (%) 3.28 2.53 1.97 1.86 3.31 2.78 2.65 2.73 2.79

ewÕ ã`mO Am` 2,474 2,223 2,228 2,545 5,326 5,169 5,738 6,493 7,247

df©-Xa-df© d¥{Õ (10.16 %) 0.22 % 14.23 % 109.27 % (2.95 %) 11.01 % 13.16 % 11.60%

J¡a ã`mO Am` 476 791 1,070 1,735 1,265 1,395 1,667 1,923 1,894

df©-Xa-df© d¥{Õ 66.31 % 35.26 % 62.15 % (27.09 %) 10.28 % 19.50 % 15.35 % (1.51 %)

21


{ZXoeH$ [anmoQ>© 2014-15AmnHo$ {ZXoeH$m| H$mo {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE ~¢H$ H$s dm{f©H$ [anmoQ>© Ho$ gmW boIm nar{jV boIm {ddaU, bm^ Ed§ hm{Z ImVo VWm ZH$X-àdmh {ddaU H$mo àñVwV H$aVo hþE àgÞVm h¡.

1. H$m`©{ZînmXZ d¡{eï`

~¢H$ H$m Hw$b ì`dgm` é. 27149 go ~‹T>H$a é. 4,50,539 H$amo‹S> hmo J`m, O~{H$ {nNbo df© `h é. 4,23,390 H$amo‹S> Wm, Omo df©-Xa-df© AmYma na 6.41% H$s d¥{Õ Xem©Vm h¡.

Hw$b O‘m df©-Xa-df© AmYma na 6.46% H$s d¥{Õ XO© H$aVo hþE é. 15503 go ~‹T>H$a é.2,55,572 H$amo‹S> hmo JB©.

~¢H$ H$m Hw$b A{J«‘ é. 11646 H$amo‹S> go ~‹T>H$a é.1,94,967 H$amo‹S> hmo J`m, Omo df©-Xa-df© AmYma na 6.35% H$s d¥{Õ Xem©Vm h¡.

n[aMmbZ bm^ {dÎmr` df© 2013-14 Ho$ é. 3238 H$amo‹S> go ~‹T>H$a é.3,559 H$amo‹S> hmo J`m, Omo df©-Xa-df© AmYma na 9.91% H$s d¥{Õ Xem©Vm h¡.

~¢H$ Zo {dÎmr` df© 2014-15 ‘| é.606 H$amo‹S> ewÕ bm^ XO© {H$`m, O~{H$ {dÎmr` df© 2013-14 ‘| é.1,263 H$amo‹S> H$s ewÕ hm{Z hþB© Wr, Omo df©-Xa-df© AmYma na 147.98% H$s d¥{Õ Xem©Vm h¡.

ny§Or n`m©áVm AZwnmV (~ogb-II Ho$ A§VJ©V) 11.89 à{VeV ahm. {Og‘| {Q>`a-I H$s {hñgoXmar 8.46 à{VeV ahr, O~{H$ {nN>bo df© `h 11.96 à{VeV Wm. ny§Or n`m©áVm AZwnmV (~ogb- II Ho$ A§VJ©V) 10.90 à{VeV ahm, {Og‘| {Q>`a-I H$s {hñgoXmar 8.05 à{VeV ahr, O~{H$ {nN>bo df© `h 9.87 à{VeV Wm.

ewÕ ‘m{b`V é. 13918 H$amo‹S> go ~‹T>H$a é. 15643 H$amo‹S> hmo JB©.

~¢H$ H$m gH$b EZnrE {nN>bo df© Ho$ é. 11500 H$amo‹S> ‘| é. 373 H$amo‹S> H$s d¥{Õ Ho$ gmW, é.11873 H$amo‹S> hmo J`m. gH$b EZnrE H$m AZwnmV {nN>bo df© Ho$ 6.27 à{VeV go KQ>H$a {dÎmr` df© 2014-15 ‘| 6.09 à{VeV hmo J`m.

ewÕ EZnrE {nN>bo df© Ho$ é. 6649 H$amo‹S> go ~‹T>H$a é. 6807 H$amo‹S> hmo J`m. ewÕ EZnrE à{VeV {nN>bo df© Ho$ 3.75 à{VeV go KQ>H$a 3.61 à{VeV hmo J`m.

àmdYmZ H$daoO AZwnmV (nrgrAma) ‘mM© 2014 Ho$ 50.68% go ~‹T>H$a 55.16% hmo J`m.

ewÕ ã`mO ‘m{O©Z {dÎmr` df© 2013-14 Ho$ 2.73 à{VeV go ~‹T>H$a 2.79 à{VeV hmo J`m.

à{V H$‘©Mmar ì`dgm` {nN>bo df© Ho$ é. 1025 bmI go ~‹T>H$a é. 1138 bmI hmo J`m.

dV©‘mZ {dÎmr` df© Ho$ {bE AmpñV`m| na à{V’$b (AmaAmoE) 0.21 à{VeV h¡.

àmW{‘H$Vm joÌ A{J«‘m| ‘| df©-Xa-df© AmYma na 10.70 à{VeV H$s ~‹T>moÎmar hþB© Am¡a `h {nN>bo df© Ho$ é. 68652 H$amo‹S> go ~‹T>H$a é. 75997 H$amo‹S> hmo J`m.

~¢H$ H$m H¥${f A{J«‘m| ‘| df©-Xa-df© AmYma na 1.61 à{VeV H$s ~‹T>moÎmar hþB©. {dÎmr` df© 2013-14 Ho$ é. 35,387 H$amo‹S> go ~‹T>H$a `h é. 35,957 H$amo‹S> hmo J`m.

gyú‘ F$U Ed§ AÝ` F$U (à{V CYmaH$Vm© é.50,000 VH$ H$m F$U) Ho$ A§VJ©V, ~¢H$ Zo {dÎmr` df© 2014-15 Ho$ Xm¡amZ é.206 H$amo‹S> VH$ H$m F$U {X`m.

g‘rjmYrZ df© Ho$ Xm¡amZ, gyú‘ Ed§ bKw CÚ‘ (E‘EgB©) Ho$ F$U {nN>bo df© Ho$ é.21515 H$amo‹S> go ~‹T>H$a é.26503 H$amo‹S> hmo J`m.

df© Ho$ Xm¡amZ, {ejm F$U 15.50 à{VeV ~‹T>H$a Hw$b é. 3,442 H$amo‹S> hmo J`m.

~¢H$ Zo Xoe Ho$ 9 amÁ`m|, {OZ‘| ‘Ü`àXoe (18), {~hma (9), ‘hmamï´> (6), CÎma àXoe (5), n{ü‘ ~§Jmb (3), N>ÎmrgJ‹T> (2), amOñWmZ (1), Amo‹S>rgm (1) Ed§ Ag‘ (1) em{‘b h¢, ‘| 46 AmagoQ>r ñWm{nV {H$E h¢. df© 2014-15 Ho$ Xm¡amZ, AmagoQ>r Zo 891 à{ejU H$m`©H«$‘ Am`mo{OV {H$E h¢ Am¡a 24290 Aä`{W©`m| H$mo à{ejU {X`m h¡. BZ‘| go 14816 (AWm©V 61%) à{ejwAm| H$mo ~¢H$ F$U, doVZ {ZnQ>mZ Ed§ ñd-{dÎm Ho$ ‘mÜ`‘ go CZH$s AmOr{dH$m nyar H$s h¡.

22


~¢H$ Ho$ nmg {XZm§H$ 31 ‘mM©, 2015 VH$ 3 amÁ`m| Ho$ 47 {Obm| ‘| 1622 emImAm| Ho$ ZoQ>dH©$ Ho$ gmW 3 joÌr` J«‘rU ~¢H$ h¢.

~¢H$ Zo {dÎmr` g‘mdoeZ Ho$ A§VJ©V 2000 go A{YH$ H$s OZg§»`m dmbo 4,330 Jm§dm| VWm 2000 go H$‘ H$s OZg§»`m dmbo 18,371 Jm§dm| H$mo H$da {H$`m h¡. ~¢H$ Zo `o g^r Jm§d 6,382 ~rgr EOoÝQ Ho$ ‘mÜ`‘ go H$da {H$E h¢. ~¢H$ {dhrZ J«m‘rU Ho$ÝÐm| ‘| 238 emImE§ ^r Imobr h¢. ~¢H$ Zo AnZr 1427 AmYma emImAm| go gå~Õ AnZr Hw$b 3677 A{V-gyú‘ emImE§ Imobr h¢. ~¢H$ Zo AnZo ~rgr EOoÝQ>m| Am¡a emImAm| Ho$ ‘mÜ¶‘ go ~o{gH$ goqdJ ~¢H$ O‘m ImVm (~rEg~rS>rE) Ho$ A§VJ©V 146.71 bmI ImVo Imobo h¢. {XZm§H$ 31 ‘mM©, 2015 H$mo BZ ImVm| ‘| Hw$b O‘m eof é.763.99 H$amo‹S> h¡.

àYmZ‘§Ìr OZ-YZ `moOZm Ho$ A§VJ©V, h‘mao ~¢H$ Zo 57.35 bmI ~rEg~rS>r ImVo Imobo h¢ Am¡a é.317.82 H$amo‹S> H$s O‘m Ho$ gmW AnZo ì`dgm` H$mo ~‹T>m`m h¡.

~¢H$ H$m H$m°nm}aoQ> F$U {nN>bo df© Ho$ é.97,568 H$amo‹S> go KQ>H$a é.97,608 H$amo‹S> hmo J`m. Bg‘| df©-Xa-df© AmYma na 0.04 à{VeV H$s {JamdQ> XO© hþB©.

[aQ>ob F$U 21.27 à{VeV H$s d¥{Õ Ho$ gmW, {dÎmr` df© 2014-15 ‘| `h é.34,939 H$amo‹S> hmo J`m, O~{H$ {dÎmr` df© 2013-14 H$mo `h é.28,811 H$amo‹S> Wm.

{dÎmr` df© 2014-15 ‘|, ~¢H$mí`wa|g ì`dgm` go Hw$b Am` é.25.27 H$amo‹S> ahr.

{XZm§H$ 31 ‘mM©, 2015 H$mo ~¢H$ H$m nyao Xoe ‘| 4689 emImAm|, 3677 A{Vgyú‘ emImE§ (¶yEg~r) 4835 EQ>rE‘, 29 goQ>obmBQ> H$m`m©b` Ed§ 4 {dñVma nQ>b H$m ZoQ>dH©$ h¡.

2. Am` Ed§ ì``

df© 2014-15 H$s Ad{Y ‘| Am` Ed§ ì`` H$m {ddaU {ZåZmZwgma h¢ :

é. H$amo‹S> ‘| 31.03.2015 31.03.2014 {dMbZ %1 ã`mO Am` 26409 24427 1982 8.11 -A{J«‘ 19517 18620 897 4.82 -{Zdoe 6707 5764 943 16.36 -AÝ` 185 43 142 330.232 AÝ` Am` 1894 1923 (29) (1.51)3 Hw$b Am` (1+2) 28303 26350 1953 7.414 àXÎm ã`mO 19162 17933 1229 6.85 -O‘mam{e`m§ 17520 16374 1146 7.00 -AÝ` 1642 1559 83 5.325 n[aMmbZ ì`` 5582 5179 403 7.78 -ñWmnZm 3825 3537 288 8.14 -AÝ` 1757 1642 115 7.006 Hw$b ì`` (4+5) 24744 23112 1632 7.067 ñà¡S> (1-4) 7247 6494 753 11.608 n[aMmbZ bm^ (3-6) 3559 3238 321 9.919 àmdYmZ - EZnrE/{Zdoe/AÝ` 2669 4233 (1564) (36.95)10 H$a Ho$ {bE àmdYmZ 284 268 16 5.9711 ewÕ bm^ 606 (1263) 1869 147.98

df© Ho$ Xm¡amZ, ã`mO Am` ‘| 8.11 à{VeV H$s d¥{Õ hþB©.

O‘mAm| na àXÎm,, ã`mO 7.00 à{VeV go ~‹T>H$a, ‘mM© 2015 ‘| é. 17520 H$amo‹S> hmo J`m, Omo {nN>bo df© é. 16374 H$amo‹S> Wm.

df© Ho$ Xm¡amZ, H$‘©Mm[a`m| na ì`` é.288 H$amo‹S> go ~‹T>H$a é. 3825 H$amo‹S> hmo J`m, O~{H$ {nN>bo df© `h é.3537 H$amo‹S> Wm.

23


3. àmdYmZ

df© 2014-15 Ho$ Xm¡amZ, bm^ Ed§ hm{Z ImVo H$mo à^m[aV é.2953 H$amo‹S> Ho$ Hw$b àmdYmZ H$m {nN>bo df© H$s VwbZm {ddaU {ZåZmZwgma h¡ :

(é. H$amo‹S> ‘|) 31.03.2015 31.03.2014 {dMbZ‘mZH$ AmpñV`m| Ho$ {bE àmdYmZ 39 (7) 46EZnrE Ho$ {bE àmdYmZ 2610 3989 (1379){Zdoe na ‘yë¶õmg/àmdYmZ (21) 258 (279)H$am| Ho$ {bE àmdYmZ 284 268 16AÝ` 41 (7) 48Hw$b 2953 4501 (1548)

4. bm^àXVm AZwnmV

(à{VeV ‘|) 31.03.2015 31.03.2014O‘mAm| H$s bmJV 7.22 7.24{Z{Y`m| H$s bmJV 7.34 7.37A{J«‘m| na Am` 10.75 10.79{Zdoem| na Am` 8.22 7.84ewÕ ã`mO ‘m{O©Z 2.79 2.73bmJV Am` AZwnmV 61.07 61.53

5. ~¢qH$J AZwnmV

(à{VeV ‘|)2014-15 2013-14

ã`mO Am` Ed§ Am¡gV H$m`©erb {Z{Y (ES>ãbyE’$) 9.29 9.18J¡a-ã`mO Am` Ed§ Am¡gV H$m`©erb {Z{Y (ES>ãbyE’$) 0.67 0.72n[aMmbZ bm^ Ed§ Am¡gV H$m`©erb {Z{Y (ES>ãbyE’$) 1.25 1.22Am¡gV AmpñV`m| na à{V’$b 0.21 --à{V H$‘©Mmar ì`dgm` (é. bmI ‘|) 1138 1025à{V H$‘©Mmar ewÕ bm^ (é. bmI ‘|) 153 --

6. ny§Or Ed§ OmopI‘ ^m[aV AmpñV`m| H$m AZwnmV (grAmaEAma)

ny§Or n`m©áVm AZwnmV Ho$ g§{d^mJ {ZåZmZwgma h¢ :

31.03.2015 31.03.2014~mgb-II ~mgb-III ~mgb-II ~mgb-III

{Q>à-I 8.46 8.05 8.12 7.37{Q>à-II 3.43 2.85 3.84 2.50ny§Or n`m©áVm AZwnmV 11.89 10.90 11.96 9.87

7. ewÕ bm^ Ed§ bm^m§e

~¢H$ Zo {dÎmr` df© 2014-15 Ho$ {bE é.606 H$amo‹S> H$m bm^ A{O©V {H$`m h¡. {ZXoeH$ ‘§S>b Zo àgÞVmnyd©H$ B{¹$Q>r eoà ny§Or na 5 à{VeV H$s Xa go AWm©V àËòH$ é 10/- Ho$ B{¹$Q>r eoà na é. 0.50/- bm^m§e XoZo H$s g§ñVw{V H$s h¡.

24


8. df© Ho$ Xm¡amZ {ZXoeH$ ‘§S>b ‘| n[adV©Z

g‘rjm df© Ho$ Xm¡amZ, ~¢H$ Ho$ {ZXoeH$ ‘§S>b ‘| {ZåZ{bpIV n[adV©Z hþE h¢ :

lr Jw‘mZ qgh Ho$ A§eH$mbrZ J¡a-gaH$mar {ZXoeH$ Ho$ nX H$m H$m`©H$mb {XZm§H$ 07 AJñV, 2014 H$mo g‘má hmoZo na, {XZm§H$ 08 AJñV, 2014 go do AnZo nX na Zht h¢.

lr A{Z‘of Mm¡hmZ H$s Amo[aE§Q>b ~¢H$ Am°’$ H$m‘g© Ho$ à~§Y {ZXoeH$ Ed§ ‘w»` H$m`©nmbH$ A{YH$mar Ho$ nX na nXmoÞ{V hmoZo na, {XZm§H$ 31 {Xgå~a, 2014 go CZH$m ~¢H$ Ho$ H$m`©nmbH$ {ZXoeH$ H$m nX g‘má hmo J`m h¡.

àmo. EZ. ~mbH¥$îUZ, Omo ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 H$s Ymam 9(3) (i) Ho$ A§VJ©V, {XZm§H$ 10 OZdar, 2012 go VrZ df© Ho$ {bE ~¢H$ Ho$ eo`ahmoëS>a {ZXoeH$ Ho$ {bE MwZo JE Wo, Ho$ H$m`©H$mb H$s Ad{Y {XZm§H$ 09 OZdar, 2015 H$mo H$mamo~mar g‘` Ho$ nümV, do ~¢H$ Ho$ {ZXoeH$ Ho$ nX na Zht h¢.

{ZXoeH$ ‘§S>b Ûmam lr Jw‘mZ qgh, lr A{Z‘of Mm¡hmZ Ed§ àmo. EZ. ~mbH¥$îUZ, Omo {dÎmr` df© 2014-15 Ho$ Xm¡amZ ~¢H$ Ho$ {ZXoeH$ nX na Zht aho h¢, àXV ~hþ‘yë` `moJXmZ H$s gamhZm H$aVo hþE CZH$s godmAm| H$mo aoIm§{H$V H$aVm h¡.

9. nXm©’$me Zr{V

bmoH${hV àH$Q>rH$aU Ed§ ‘wI{~a g§ajU (nrAmB©S>rnrAmB©) Ho$ A§VJ©V ~¢H$ nXm©µ’$me {eH$m`Vm| Ho$ {bE Ho$ÝÐr` gVH©$Vm Am`moJ Ho$ {Xem{ZX}em| H$m nmbZ H$aVm h¡. ~¢H$ H$m g|Q> {d{Ob Zm‘H$ EH$ do~ nmoQ>©b h¡ {Og‘o§ H$‘©Mmar Am¡a {ZXoeH$JU H$XmMmam| H$s [anmo{Qª>J AnZr nhMmZ COmJa {H$E {~Zm H$a gH$Vo h¢, Omo {g’©$ ‘w»` gVH©$Vm A{YH$mar H$mo hr kmV hmoVr h¡. {ZXoeH$JU Am¡a H$‘©Mmar Amdí`H$Vm Ho$ AmYma na boImnarjm g{‘{V Ho$ AÜ`j go ^r g§nH©$ H$a gH$Vo h¢. Bggo H$XmMma na A§Hw$e bJmZo, YmoImY‹S>r amoH$Zo Ed§ H$‘©Mm[a¶m| H$m ‘Zmo~b ~T>mZo ‘| ‘XX {‘bVr h¡.

10 {ZXoeH$m| Ho$ CÎmaXm{`Ëd g§~§Yr {ddaU

{ZXoeH$JU `h nw{ï> H$aVo h¢ {H$ {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE dm{f©H$ boIm| H$mo V¡`ma H$aVo g‘`;

‘hËdnyU© {dMbZ, `{X H$moB© h¡, Ho$ gå~§Y ‘| g‘w{MV ñnï>rH$aU Ho$ gmW, bmJy boIm§H$Z ‘mZH$m| H$m AZwnmbZ {H$`m J`m h¡;

^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}emZwgma V¡`ma boIm§H$Z Zr{V`m| H$mo gwg§JV ê$n ‘| bmJy {H$`m J`m h¡;

g‘w{MV Ed§ {ddoH$gå‘V {ZU©` Ed§ àm¸$bZ {H$E JE h¢, Vm{H$ {dÎmr` df© H$s g‘m{á na ~¢H$ Ho$ H$mamo~mar ‘m‘bm| H$m VWm {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ A§V ‘| ~¢H$ Ho$ bm^ H$m ghr Ed§ ñnï> {MÌU àñVwV {H$`m Om gHo$;

^maV ‘| ~¢H$m| H$mo A{Yem{gV H$aZo dmbo {Z`‘m| Ho$ àmdYmZm| Ho$ AZwê$n n`m©á boIm§H$Z A{^boI aIZo ‘| g‘w{MV Ed§ n`m©á gmdYm{Z`m§ ~aVr JB© h¢; Ed§

boIo, bm^H$mar H$mamo~ma dmbo g§ñWmZ Ho$ AmYma na V¡`ma {H$E JE h¢.

Am§V[aH$ {dÎmr¶ {Z¶§ÌU n¶m©á Ed§ à^mdr ê$n go n[aMm{bV h¡.

g^r bmJy H$mZyZm| Ho$ àmdYmZ H$m AZwnmbZ gw{ZpíMV H$aZo Ho$ {bE Cn¶wº$ àUmbr V¡¶ma H$s JB© h¡ Ed§ ¶h à^mdr ê$n go n[aMm{bV h¡.

11. H$m°nm}aoQ> JdZ]g

~¢H$ H$m {ZXoeH$ ‘§S>b, H$m°nm}aoQ> JdZ]g àWmAm| H$mo Ajag: AnZmZo Ho$ {bE à{V~Õ h¡. ~¢H$ Zo H$m°nm}aoQ> JdZ]g na gwñnï>> {bpIV àUmbr VWm àWmAm| H$mo AnZm`m h¡.

12. Am^ma

{ZXoeH$ ‘§S>b ^maV gaH$ma, ^maVr` [aµOd© ~¢H$ Am¡a ^maVr` à{V^y{V Ed§ {d{Z‘` ~moS©> Ho$ A‘yë` ‘mJ©Xe©Z Ed§ gh`moJ Ho$ à{V Am^ma ì`º$ H$aVm h¡; {ZXoeH$ ‘§S>b AnZo J«mhH$m| Ed§ eo`aYmaH$m| Ûmam àXÎm {Z~m©Y g‘W©Z Ed§ {dœmg Ho$ {bE CZHo$ à{V ^r Am^ma ì`³V H$aVm h¡. {ZXoeH$ ‘§S>b ~¢H$ Ho$ gVV g‘J« H$m`©-{ZînmXZ hoVw ñQ>m’$ gXñ`m| Ho$ `moJXmZ Ed§ g‘{n©V godmAm| H$s àe§gm H$aVm h¡.

{ZXoeH$ ‘§S>b H$s Amoa go

hñVmjañWmZ : {Xëbr amOrd G${f{XZm§H$ : 25 ‘B©, 2015 AÜ`j Ed§ à~§Y {ZXoeH$

25


à~§YV§Ì {dMma-{d‘e© Ed§ {díbofU^mJ E : AW©ì`dñWm H$m {dh§JmdbmoH$Z

{dH$mg H$s g§^mdZmAm| Ho$ ‘Ôo ZOa à‘wI AW©ì`dñWmAm| Ho$ {bE, AmJm‘r df© `Ú{n ~ohVa ahZm g§^m{dV h¡ VWm{n; {ZH$Q>dVu g‘` ‘| ‘§Xr H$m à^md Omar ahoJm. Vob H$s KQ>Vr H$s‘V|, d¡{œH$ ã`mO Xam| ‘| H$‘r Am¡a ‘O~yV `yEg AW©ì`dñWm Ho$ MbVo, {dH$mgerb Xoem| Ho$ {bE ^r AmJm‘r df© Ho$ ~ohVa ahZo H$s àË`mem h¡. Ohm§ MrZ ‘| {dH$mg H$s aâVma KQ>H$a CgHo$ Am{YH$m[aH$ bú` 7% H$s VwbZm ‘| H$‘ hmo ahr h¡, dht ^maV AJbo Xmo dfm] ‘| àJ{V nW na d‹T>Zo Ho$ {bE AJ«ga h¡.

hmb hr ‘| Ho$ÝÐr` gm§p»`H$s` H$m`m©b`, ^maV gaH$ma Ûmam df© 2004-05 Ho$ ñWmZ na df© 2011-12 H$mo AmYma df© ‘mZVo hþE EH$ ZB© OrS>rnr grarµO Omar {H$E OmZo H$s EH$ ‘hËdnyU© KQ>Zm hþB© h¡. Bg ZB© grarµO ‘| n[aîH¥$V H$m`©àUmbr {Z`mo{OV h¡ VWm Bg‘| H$m’$s A{YH$ Am§H$‹Sm§>o H$m Cn`moJ {H$`m OmVm h¡, {OgH$s dOh go ^maV OrS>rnr àm¸$bZ ‘| A§Vam©ï´>r` ‘mZH$m| Ho$ g‘H$j Am J`m h¡. ZE àm¸$bZ H$m Cn`moJ H$aVo hþE, df© 2015-16 ‘| ~mOma ‘yë` na Xoe H$s OrS>rnr ‘| d¥{Õ 8.1 go 8.5% Ho$ ~rM hmoZo H$s àË`mem h¡. VWm{n, ^maV gaH$ma Ûmam àH$m{eV Am{W©H$ gd}jU Zo g§Vw{bV {dH$mg H$m AZw‘mZ Xem©`m h¡ Am¡a AnZr [anmoQ>© ‘| C„oI {H$`m h¡ {H$ “ gmú` Ed§ gMoVH$ ^maVr` AW©ì`dñWm ‘| VoOr H$s ~Om` gwYma H$s ì`m»`m Ho$ nj ‘| n¡adr H$a aho h¢”.

gaH$ma Ûmam {H$E JE H$B© Zr{VJV Cnm`m|, ‘wÐmñ’$s{V ‘| gVV H$‘r Am¡a KQ>Vr ã`mO Xa H$s ì`dñWm go Am¡Úmo{JH$ CËnmXZ Ed§ Kaoby Cn^moJ Ho$ nwZamoËWmZ ‘| ‘hËdnyU© ‘XX àmá hmoJr. AVEd, gwYma Ed§ {dH$mg H$s g§^mdZmAm| H$mo XoIVo hþE, g^r ì`mdgm{`H$ joÌm| ‘| gmVË`nyU© {dH$mg Ho$ à{V AmempÝdV hþAm Om gH$Vm h¡.

^mJ ~r-~¢H$ H$m H$m`©-{ZînmXZ

ì`dgm`

{XZm§H$ 31 ‘mM©, 2015 H$mo ~¢H$ H$m Hw$b ì`dgm` é.450539 H$amo‹S> Wm, Omo {nN>bo df© Ho$ é. 423390 H$amo‹S> H$s VwbZm ‘| 6.41 à{VeV H$s d¥{Õ Xem©Vm h¡. n[aMmbZ bm^ é. 3559 H$amo‹S> ahm, O~{H$ {nN>bo df© `h é.3238 H$amo‹S> Wm, Omo 9.91 à{VeV H$s d¥{Õ Xem©Vm h¡. df© 2014-15 ‘| ~¢H$ H$m ewÕ bm^ é.606 H$amo‹S> ahm, O~{H$ {nN>bo df© é. 1263 H$amo‹S> H$s hm{Z hþB© Wr.

g§gmYZ g§J«hU

{XZm§H$ 31 ‘mM©, 2015 H$mo Hw$b O‘m é. 255572 H$amo‹S> Wr, Bg‘| {nN>bo df© H$s VwbZm ‘| 6.46 à{VeV H$s d¥{Õ XO© hþB©. df© 2014-15 ‘| ~MV ~¢H$ O‘m ~‹T>H$a é.73810 H$amo‹S> hmo JB©. Bg‘| {nN>bo df© Ho$ é. 66474 H$amo‹S> H$s VwbZm ‘| 11.04 à{VeV H$s d¥{Õ XO© hþB©. VWm{n, df© 2014-15 ‘| Mmby O‘m KQ>H$a é. 13202 H$amo‹S> hmo JB©, O~{H$ df© 2013-14 ‘| `h é.13537 H$amo‹S> Wr. Hw$b O‘m ‘| H$mgm O‘m H$s {hñgoXmar ~‹T>H$a 34.05 à{VeV hmo JB©, O~{H$ {nN>bo df© `h 33.33 à{VeV Wr. df© 2014-15 ‘| Hw$b H$moa O‘m ~‹T>H$a é. 228137 H$amo‹S> hmo JB©, Omo df© 2013-14 ‘| é. 187635 H$amo‹S> Wr, `h df©-Xa-df© AmYma na 21.59 à{VeV H$s d¥{Õ Xem©Vm h¡, O~{H$ df© 2014-15 ‘| H$moa gmd{Y O‘m 31.13 à{VeV go ~‹T>H$a é.141125 H$amo‹S> VH$ nhþ§M JB©, O~{H$ df© 2013-14 ‘| `h é. 107624 H$amo‹S> Wr.

F$U

{XZm§H$ 31.03.2015 H$mo ~¢H$ H$m gH$b F$U é. 194967 H$amo‹S> hmo J`m, O~{H$ {nN>bo df© `h é. 183321 H$amo‹S> Wm, Bg‘| df©-Xa-df© AmYma na 6.35 à{VeV H$s d¥{Õ hþB©. {d{dY joÌm| Ho$ A§VJ©V F$Um| H$m {ddaU {ZåZmZwgma h¡ :

é. H$amo‹S> ‘|

{XZm§H$ 31.03.2014 H$mo {XZm§H$ 31.03.2015 H$mo d¥{Õ (%)H$m°nm}aoQ> F$U 97608 97568 (0.04)H¥${f 35387 35957 1.63E‘EgB© 21515 26503 23.18[aQ>ob F$U 28811 34939 21.27

F$U {ZJamZr {d^mJ

~¢H$ Zo gwn[a^m{fV {ZJamZr Zr{V ewê$ H$s h¡, {Og‘| EgE‘E ({deof C{ëb{IV ImVo) à~§YZ na {dñV¥V {Xem{ZX}e {XE JE h¢, Bg‘| EgE‘E à~§YZ Ho$ g^r joÌ, Ëd[aV MoVmdZr g§Ho$VH$, {ZJamZr Ed§ AZwdVu Cnm` VWm [anmo{Qª>J àUmbr H$mo g‘m{hV {H$`m J`m h¡.

26


àmW{‘H$Vm joÌ F$U

^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}emZwgma, g‘m`mo{OV ewÕ ~¢H$ F$U AWdm BVa VwbZ-nÌ OmopI‘ Ho$ Vwë` F$U, ‘| go Omo ^r A{YH$ hmo, H$m 40% àmW{‘H$Vm àmá joÌ Ho$ A§VJ©V àXmZ {H$`m OmZm h¡.

AV: Bg joÌ Ho$ A§VJ©V F$U àdmh ~¢H$ Ho$ {bE AË`§V ‘hËd H$m joÌ h¡. h‘Zo H¥${f, E‘EgB©, Amdmg, e¡{jH$ Ed§ àmW{‘H$Vm joÌ Ho$ AÝ` à‘wI KQ>H$m| ‘| F$U àdmh ~T>mµZo na {deof Ü`mZ {X`m h¡. BgHo$ n[aUm‘ñdê$n, àmW{‘H$Vm joÌ Ho$ A§VJ©V h‘mar àJ{V à^mdnyU© ahr h¡.

[aQ>ob F$U

{XZm§H$ 31.03.2015 H$mo [aQ>ob F$U `moOZm Ho$ A§VJ©V, Hw$b ~H$m`m am{e`m§ ` 34939 H$amo‹S> hmo JBª, Omo {XZm§H$ 31.03.2014 H$mo ` 28811 H$amo‹S> Wt. Bg àH$ma ` 6128 H$amo‹S> H$s g‘J« d¥{Õ Xem©Vo hþE ‘mM© 2014 na 21% H$s d¥{Õ XO© H$s. ~¢H$ Ho$ Hw$b A{J«‘ ‘| [aQ>ob nmoQ>©’$mo{b`mo H$m ^mJ 17.92% h¡.

A§Vam©ï´>r` à^mJ

~¢H$ H$m {dXoer {d{Z‘` ì`dgm` Xoeâ ‘| ’¡$br 89 àm{YH¥$V S>rba emImAm| Ûmam g§nm{XV {H$`m OmVm h¡. n[aMmbZr` Hw$ebVm Ho$ {bE ‘wå~B© ‘| ~¢H$ H$m EH$ Ho$ÝÐrH¥$V S>rqbJ ê$‘ h¡ Vm{H$ H$mof à~ÝYZ d n[aMmbZ gw{dYm ‘| ~ohVar hm{gb H$s Om gHo$.

Mmby {dÎm df© ‘|, ~¢H$ H$m {Z`m©V F$U nmoQ>©’$mo{b`mo {X.31.03.2014 Ho$ ` 5509 H$amo‹S> go ~‹T>H$a {X.31.03.2015 H$mo ` 55721 H$amo‹S> hmo J`m h¡.

{dÎmr` df© 2014-15 ‘| Ho$ ‘M]Q> QóS> {dXoer {d{Z‘` Q>Z©Amoda ` 44,166.25 H$amo‹S> ahm, Omo {dÎmr` df© 2013-14 ‘| ` 43,783 H$amo‹S> Wm.

EZAmaB© O‘m am{e {XZm§H$ 31.03.2013-14 Ho$ ` 2485.28 H$amo‹S> go ~‹T>H$a {dÎmr` df© 2014-15 ‘| ` 3079 H$amo‹S> hmo JB©, Omo JV df© H$s VwbZm ‘| 23.89% H$s d¥{Õ Xem©Vr h¡.

E’$grEZAma O‘m am{e {XZm§H$ 31.03.2014 H$mo `yEgS>r 142.12 {‘{b`Z go ~‹T>H$a {XZm§H$ 31.03.2015 H$mo `yEgS>r 174.85 {‘{b`Z hmo JB©, Omo{H$ {nN>bo df© H$s VwbZm ‘| 15% A{YH$ h¡.

QóOar, {Z{Y Ed§ {Zdoe

~¢H$ H$m {Zdoe nmoQ>©’$mo{b`mo {XZm§H$ 31 ‘mM©, 2015 H$mo ~‹T>H$a ` 95655 H$amo‹S> hmo J`m h¡, Omo {XZm§H$ 31 ‘mM©, 2014 H$mo ` 86384 H$amo‹S> Wm. Bg àH$ma {nN>bo df© Ho$ AmYma na Bg‘| 10.73% H$s d¥{Õ XO© H$s JB© h¡. Xgdfu` ~|M‘mH©$ à{V’$b {XZm§H$ 31.03.2014 Ho$ 8.83% H$s VwbZm ‘| {XZm§H$ 31 ‘mM©, 2015 H$mo 7.74% na ~§X hþAm h¡.

{dÎm df© 2014-15 Ho$ Xm¡amZ ^maVr` [aOd© ~¢H$ Ûmam ñWmB© VabVm CnbãY H$amZo hoVw aonmo Ho$ AZoH$ àH$ma, {‘`mXr aonmo, n[adV©Zr` {‘`mXr Ed§ [adg© aonmo O¡go AZoH$ Cnm` {H$E h¢. ^maVr` [aOd© ~¢H$ Zo énò Ho$ Ad‘yë`Z H$mo amoH$Zo H$s {Xem ‘| {d{^Þ H$X‘ CR>mE h¢. {dÎm df© 2014-15 ‘| aonmo aoQ> H$mo Xmo ~ma ‘| 0.50% (H«$‘e: OZdar 2015 ‘| 0.25% Ed§ ‘mM© 2015 ‘| 0.25%) H$‘ H$s JB©.

OmopI‘ à~ÝYZ

OmopI‘ à~ÝYZ àUmbr/g§JR>ZmË‘H$ g§aMZm

~¢H$ ‘| A~ gwñWm{nV OmopI‘ à~ÝYZ àUmbr ‘m¡OyX h¡. F$U, ~mOma, VWm n[aMmbZ OmopI‘m| Ed§ {nba II OmopI‘m| Ho$ A§VJ©V ~¢H$ H$s OmopI‘ à~ÝYZ Zr{V`m|/àWmAm| H$m {ZXoeH$ ‘§S>b H$s OmopI‘ à~ÝYZ g{‘{V Ûmam {Z`{‘V n`©dojU {H$`m OmVm h¡. CËnmXm| H$s H$s‘V {ZYm©aU VWm ~mOma H$s KQ>ZmAm| go g§~§{YV OmopI‘ ‘m°S>b Ho$ {ZYm©aU g§~§Yr Zr{V`m| H$s g‘rjm Ho$ gmW g{‘{V ZE OmopI‘m| H$s nhMmZ d CZH$m {Z`§ÌU ^r H$aVr h¡. H$m°anmoaoQ> ñVa na g§~§{YV {d^mJm| Ûmam {d{^Þ OmopI‘ n¡am‘rQ>am| Ho$ AZwnmbZ na ^r g{‘{V ×mam {Z`{‘V {ZJamZr aIr OmVr h¡.

dgybr

AZO©H$ AmpñV`m| Ho$ à~ÝYZ Ho$ {bE ~¢H$ ‘| {dñV¥V {Xem{ZX}em| go `wº$ EH$ gwn[a^m{fV dgybr Zr{V ‘m¡OyX h¡. Bg‘| EZnrE à~ÝYZ Ho$ g^r joÌ, {ZJamZr, AZwdVu Cnm`, g‘Pm¡Vm {ZnQ>mZ, ñQ>m’$ Odm~Xohr, ga’o$gr A{Y{Z`‘, àdV©Z dgybr EO|{g`m| H$s {Z`w{º$, EAma~r H$mo AmpñV`m| H$s {~H«$s, BamXVZ MyH$H$Îmm© VWm à~ÝYZ gyMZm àUmbr em{‘b h¡. AW©ì`dñWm ‘| ZdrZV‘ n[adV©Zm|/J{V{d{Y`m| Ed§ EZnrE {ZnQ>mZ/à~§YZ H$s àd¥{Îm`m| BË`m{X H$mo g‘m{hV H$aZo Ho$ {bE Bg Zr{V H$s g‘`-g‘` na g‘rjm H$s OmVr h¡.

27


{dÎm df© 2014-15 Ho$ Xm¡amZ, `Ú{n, ~¢H$ Zo ` 1365 H$amo‹S> H$s ZH$X dgybr, ` 2336 H$amo‹S> H$m AnJ«oSo>eZ, ` 1119 H$amo‹S> H$s AZO©H$ AmpñV`m| H$s {~H«$s, Hw$b {‘bmH$a ` 4820 H$amo‹S> H$m gwYma {H$`m h¡ na§Vw Cƒ am{e`m| Ho$ ZE ImVm| (` 50.00 H$amo‹S> Ed§ A{YH$ Ho$ 21 ImVo Hw$b am{e ` 3092 H$amo‹S>) Ho$ Ow‹S> OmZo go H$m`© {ZînmXZ na {dnarV à^md nS>mµ h¡.

gyMZm àm¡Úmo{JH$s

{Xgå~a 2010 ‘| ~¢H$ Zo AnZr 100% emImAm| H$mo Ho$ÝÐrH¥$V ~¢qH$J g‘mYmZ (gr~rEg) ‘| H$da H$a {b`m h¡. H$moa ~¢qH$J g‘mYmZ hoVw {gñQ>‘ B§Q>rJ«oQ>a ‘ogg© Q>rgrEg Ho$ gmW {XZm§H$ 1 Aºy$~a 2012 go 5 dfm] Ho$ {bE H$ama H$m ZdrH$aU {H$`m J`m h¡. ZdrH¥$V AZw~§Y ZdrH$aU à{H«$`m ‘| {dÚ‘mZ H§$ß`yqQ>J g§gmYZm| `Wm hmS©>doà ZoQ>d{Hª$J, gm°âQ>doà, gwajm VWm AÝ` g§~Õ OéaV| O¡go ^mdr AZw‘m{ZV ì`mdg{`H$ bú`m| Ho$ AZwén gr~rEg H$m`mªd`Z hoVw bmB©g|g ZdrH$aU VWm AÝ` gm§{d{YH$ VWm gwajm CÎmaXm{`Ëd g§nyU© T>m§Mo H$mo {gVå~a 2017 VH$ ~¢H$ H$s OéaV| nyU© H$aZo Ho$ Cn`wº$ ~Zm`m J`m h¡.

boImnarjm Ed§ {ZarjU

~¢H$ H$s emImE§ Am§V[aH$ boImnarjH$m| Ho$ ‘mÜ`‘ go OmopI‘ AmYm[aV Am§V[aH$ boImnarjm Ho$ AYrZ h¡ Am¡a gpå‘l OmopI‘ T>m§Mo Ho$ AZwgma àËòH$ emIm H$mo OmopI‘ aoqQ>J àXmZ H$s OmVr h¡. {XZm§H$ 31.03.2015 H$mo ~¢H$ H$s 2195 ‘Ü`‘ OmopI‘ aoqQ>J H$s, 2303 {ZåZ OmopI‘ aoqQ>J H$s VWm 60 Cƒ OmopI‘ aoqQ>J H$s emImE§ Wt. ~¢H$ H$s {H$gr ^r emIm H$mo A{YH$ Cƒ OmopI‘ AWdm AË`{YH$ CÀM OmopI‘ Ho$ A§VJ©V {ZYm©[aV Zht {H$`m J`m h¡.

emIm {dñVma

{XZm§H$ 31 ‘mM© 2015 H$mo ~¢H$ Ho$ ZoQ>dH©$ ‘| Hw$b 4689 emImE§, 3677 A{Vgyú‘ emIm`|, 4835 EQ>rE‘, 29 goQ>obmBQ> H$m`m©b` Ed§ 4 {dñVma nQ>b h¡. Xoe Ho$ g^r 28 amÁ`m|, 7 ‘| go 6 Ho$ÝÐ em{gV àXoem|, 561 {Obm ‘w»`mb`m| Ed§ 642 {Obm| ‘| go 568 {Obm| ‘| CnpñW{V Ho$ gmW ~¢H$ H$m Xoeì`mnr {dñVma h¡.

J«mhH$ {eH$m`V|

~¢H$ Zo AmÝV[aH$ {eH$m`V {ZdmaU àUmbr Ho$ ^mJ ñdê$n EH$ Z`m `yOa ’«|$S>br {eH$m`V nmoQ>©b H$s ewéAmV H$s h¡. J«mhH$ Ûmam ~¢H$ ñQ>m’$ Ho$ Xwì`©dhma H$s {eH$m`Vm| na H$moB© ghZerbVm Z aIZo Ho$ {bE ~¢H$ Zo Xwì`©dhma H$s KQ>ZmAm| H$s ñdV§Ì Ed§ {Zînj Om§M hoVw AÝ` nrEg~r Ho$ godm{Zd¥Îm ‘hmà~§YH$m| Ho$ n¡Zb H$m JR>Z {H$`m h¡.

H$m°nm}aoQ> H$å`w{ZHo$eZ

~¢H$ Zo df© Ho$ Xm¡amZ, AnZo CËnmXm| Ed§ godmAm| H$m ì`mnH$ àMma-àgma H$aZo Am¡a BZ J{V{d{Y`m| go ~¢H$ Ho$ {bE Z`m ì`dgm` hm{gb H$aZo hoVw H$m°nm}aoQ> ~«|qS>J H$m`©dmhr Ho$ A§VJ©V AnZo gVV à`mg Omar aIo h¢. Bg‘| {H$’$m`Vr bmJV na {dkmnZ Ed§ ’$sëS> ñQ>m’$ Ho$ g{H«$` {Z`moOZ/gh^m{JVm na Omoa {X`m J`m h¡.

gVH©$Vm

df© 2014-15 H$s Ad{Y Ho$ Xm¡amZ, gVH©$Vm ‘m‘bm| Ho$ gmW hr {eH$m`Vm| H$m {ZnQ>mZ AË`{YH$ erK«Vm go {H$`m J`m. df© Ho$ Xm¡amZ gVH©$Vm ‘m‘bm| Ed§ {eH$m`Vm| Ho$ {ZnQ>mZ ‘| 30% (df©-Xa-df©) H$s d¥{Õ hþB© h¢.

‘mZd g§gmYZ {dH$mg

‘mM© 2015 H$s g‘m{á na, ~¢H$ ‘| H$‘©Mm[a`m| H$s g§»`mm 39,039 Wr, O~{H$ JV df© `h g§»`m 40,661 Wr. ñQ>m’$ gXñ`m|§ H$m loUrdma {dKQ>Z {ZåZmZwgma h¡ :

loUr ‘mM© 2015 ‘mM© 2014

A{YH$mar 16,247 16,180

{b{nH$ 14,098 15,424

AYrZñW H$‘©Mmar 8,694 9,057

Hw$b `moJ 39,039 40,661

28


ghm`H$ Ed§ g§`wº$ CÚ‘

i. goÝQ>~¢H$ hmo‘ ’$mBZ|g {b{‘Q>oS>

bm^ ‘| gVV d¥{Õ Ho$ H$maU ñdm{‘Ëd {Z{Y ‘mM© 2014 Ho$ ` 82.82 H$amo‹S> go ~‹T>H$a, ‘mM© 2015 H$mo ` 88.19 H$amo‹S> hmo JB© h¡.

df© Ho$ Xm¡amZ, H§$nZr Ho$ Hw$b A{J«‘ ‘mM© 2014 Ho$ ` 487.60 H$amo‹S> go ~‹T>H$a, 71.60% H$s df© Xa df© d¥{Õ XO© H$aVo hþE ‘mM© 2015 H$mo ` 803.53 H$amo‹S> hmo J`m h¡. Amdmg F$U, ‘mM© 2014 Ho$ ` 356.03 H$amo‹S> go ~‹T>H$a, ‘mM© 2015 H$mo ` 610.95 H$amo‹S> hmo JE, Bg‘| 64.60% H$s d¥{Õ XO© hþB© h¡. J¡a-Amdmg F$U ` 112.49 H$amo‹S> go ~‹T>H$a ` 131.38 H$amo‹S> hmo JE, Bg‘| 16.79% H$s d¥{Õ XO© hþB©.

ii. goÝQ>~¢H$ ’$mBZ|{eb g{d©goO {b{‘Q>oS>

goÝQ> ~¢H$ {dÎmr` godmE§ {b{‘Q>oS>, {S>~|Ma/gwajm Ý`mg, {ZînmXH$ Ý`mg, à~§Y MoarQ>o~b Q´ñQ> BË`m{X g{hV A{Zdm`©V: Ý`mgYm[aVm godmE§ CnbãY H$am ahr h¡.

H§$nZr {S>~|Ma Ý`mg Ed§ ‘M]Q> ~¢qH$J J{V{d{Y`m| Ho$ A{YJ«hU Ho$ {bE go~r ‘| n§OrH¥$V h¡; O~ {H$ H§$nZr Zo ‘wÀ`wAb ’$§S> ES>dmBOa J{V{d{Y H$mo ~ÝX H$a {X`m h¡.

iii. B§S>mo-Ompå~`m ~¢H$ {b{‘Q>oS>

Ompå~`m gaH$ma VWm ^maV Ho$ VrZ ~¢H$m| AWm©V goÝQ´b ~¢H$ Am°’$ B§{S>`m, ~¢H$ Am°’$ ~‹S>m¡Xm Ed§ ~¢H$ Am°’$ B§{S>`m Ûmam g§`wº$ ê$n go Ompå~`m ‘| ~¢H$ H$m g§`wº$ CX²¶‘ ñWm{nV {H$`m J`m h¡. Bg‘| BZ VrZm| ^maVr` ~¢H$m| ‘| go àËòH$ H$s 20% B{¹$Q>r h¡, O~{H$ eof 40% B{¹$Q>r Ompå~`m JUamÁ` gaH$ma H$s h¡.

~¢H$ g^r n¡am‘rQ>am| ‘| ~ohVa H$m`©{ZînmXZ Xem© ahm h¡ Am¡a dV©‘mZ ‘| Ompå~`m H$m N>R>m g~go ~‹S>m ~¢H$ h¡.

H¡$b|S>a df© 2014 Ho$ Xm¡amZ, B§S>mo Ompå~`m ~¢H$ Zo AnZo g^r {hVYmaH$m| H$mo ~moZg eoà Omar {H$E h¢ VXZwgma, h‘mao ~¢H$ Zo ³dmMm à{V eoà Ho$ 1,21,24,763 eoà àmá {H$E h¡.

H¡$b|S>a df© 2014 Ho$ Xm¡amZ, ^m[a~¢, Ho$ÝÐ gaH$ma Ed§ h‘mao ~¢H$ Ho$ ~moS©> Ho$ AZw‘moXZ Ho$ nümV h‘mao ~¢H$ Zo ny±Or ‘| h‘mar {hñgoXmar ¹$mMm 40.60 {‘{b`Z Cg‘| A§Vdm©h {H$E h¢.

{Xgå~a 2014 Ho$ A§V VH$ h‘mao ~¢H$ Ho$ nmg 1 ³dmMm à{V eoà Ho$ Hw$b 8,32,00,000 eoà h¢, {OZH$m ^maVr` ‘wÐm ‘| ‘yë` ` 81.08 H$amo‹S> h¡.

{XZm§H$ 31 ‘mM©, 2015 H$mo eoàm| H$s ^maVr` ‘wÐm ‘| H$s‘V ` 85.08 H$amo‹S> h¡.

iv. joÌr` J«m‘rU ~¢H$

{XZm§H$ 31 ‘mM©, 2015 H$mo h‘mar 3 AmaAma~r h¢, {OZH$m 3 amÁ`m| Ho$ 47 {Obm| ‘| 1622 emImAm| H$m ZoQ>dH©$ h¡.

àm`moOH$ ~¢H$ hmoZo Ho$ ZmVo h‘Zo joÌr` J«m‘rU ~¢H$m| H$s ny§Or H$m 35% AWm©V ` 277.11 H$amo‹S> {Zdoe {H$E h¢. BgHo$ Abmdm h‘Zo BZ joÌr` J«m‘rU ~¢H$m| ‘| emœV ~m±ÊS> Ho$ ê$n ‘| ` 69.35 H$amo‹S> {Zdoe {H$E h¢.

nwañH$ma Ed§ àe§gm

{dÎmr` df© 2014-15 Ho$ Xm¡amZ, goÝQ´b ~¢H$ Am°’$ B§{S>`m H$s J¥h-n{ÌH$m ‘goÝQ´bmBQ>’ H$mo ^m{fH$ joÌ ‘I’ ‘| df© 2013-14 Ho$ {bE J¥h ‘§Ìmb`, ^maV gaH$ma H$s “J¥h n{ÌH$m nwañH$ma `moOZm’’ Ho$ A§VJ©V {ÛVr` nwañH$ma àmá hþAm h¡. amï´>n{V ^dZ Am°{S>Q>mo[a`‘, ZB© {X„r ‘| Am`mo{OV EH$ ^ì` g‘mamoh ‘| h‘mao AÜ`j Ed§ à~§Y {ZXoeH$ lr amOrd F${f Zo `h nwañH$ma ‘hm‘{h‘ amï´>n{V lr àU~ ‘wIOu Ho$ H$a-H$‘bm| go àmá {H$`m.

{dÎmr` df© 2014-15 Ho$ Xm¡amZ, ^maV gaH$ma H$s amO^mfm Zr{V Ho$ CËH¥$ï> {ZînmXZ hoVw df© 2012-13 Ho$ {bE ^m{fH$ joÌ ‘H$’ Ed§ ‘J’ Ho$ {bE h‘mao ~¢H$ H$mo “^maVr` [aµOd© ~¢H$ JdZ©a erëS>’’ go gå‘m{ZV {H$`m J`m. ò XmoZm| nwañH$ma, h‘mao ~¢H$ Ho$ AÜ`j Ed§ à~§Y {ZXoeH$ lr amOrd F${f Zo ^maVr` [aOd© ~¢H$ Ho$ JdZ©a S>m°. aKwam‘ Or. amOZ go àmá {H$E.

29


VrZ amÁ`m|, ‘hmamï´>, JwOamV Ed§ AmÝY« àXoe ‘| amO^mfm Zr{V Ho$ CËH¥$ï> H$m`m©Ýd`Z hoVw BZ amÁ`m| H$s amÁ`ñVar` ~¢H$g© g{‘{V Ûmam h‘mao ~¢H$ H$mo “àW‘’’ nwañH$ma àXmZ {H$`m J`m.

ZB© {X„r ‘| Am`mo{OV grAmB©E‘EgE‘B©-E‘EgE‘B© ~¢qH$J EŠgrb|g AdmS©>-2014 ‘| ~¢H$ Zo {ZåZ{bpIV VrZ nwañH$ma àmá {H$E 1) ~‹S>o ~¢H$m| H$s loUr ‘| “~oñQ> E‘EgE‘B© ~¢H$ AdmS©>’’ ‘| aZa An, 2) ~oñQ> ~¢H$ AdmS©> ’$m°a ’$mBZ|{e`b BZŠbyOZ Ed§ 3) àYmZ‘§Ìr OZ-YZ `moOZm Ho$ A§VJ©V “ñnoeb ßbmH$ ’$m°a ~oñQ> na’$m°‘]g’’.

goÝQ´b ~¢H$ Am°’$ B§{S>`m H$mo ’$oS>aoeZ Am°’$ B§S>ñQ´r Q´oS> EÊS> g{d©goO Ûmam ZB© {Xëbr ‘| Am`mo{OV EH$ ^ì` g‘mamoh ‘| nrE‘OoS>rdm` EŠgrb|g AdmS©> go ZdmOm J`m.

30


H$m°nm}aoQ> JdZ]g~¢H$ Ho$ H$m°nm}aoQ> JdZ]g H$m CÔoí`:

~¢H$ Ho$ H$m°nm}aoQ> JdZ]g H$m à‘wI CÔoí` ì`dgm` Ho$ g§MbZ ‘| Z¡{VH$ g§ì`dhma go eoàYmaH$m| H$s Am` ‘| d¥{Õ H$aZm VWm àH$Q>rH$aU

Ed§ nmaX{e©Vm Ho$ Cƒ ‘mZH$m| H$m AZwgaU H$aZm h¡. ~¢H$ Zo gdm}Îm‘ g§ì`dhma H$mo AnZm`m h¡ Ed§ JdZ]g Ho$ ‘mZH$m| H$s {ZJamZr ~moS©>

H$s {d{^Þ g{‘{V`m| Ûmam H$s OmVr h¡. H$m°nm}aoQ> bú`m| H$s àm{á, H$m`©-{ZînmXZ ‘| gwYma Ed§ eoàYmaH$m| Ho$ eoà ‘yë` ‘| d¥{Õ hoVw ~moS©>,

H$m`©nmbH$m| Ed§ AÝ` nXm{YH$m[a`m| H$s {d{eï> ^y{‘H$mE§ h¢.

~¢H$ Ho$ B{¹$Q>r eo`g© ~m°å~o ñQ>m°H$ EŠgM|O {b. Ed§ ZoeZb ñQ>m°H$ EŠgMoÝO Am°’$ B§{S>`m {b. ‘| gyMr~Õ h¡. hmbm§{H$, ~¢H$ EH$ H§$nZr

Zht h¡, {H$ÝVw ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘ 1970 Ho$ VhV {ZJ{‘V {ZH$m` h¡, Omo ^maVr` [aµOd© ~¢H$ Ûmam

{Z`§{ÌV h¡. AV… ~¢H$ ñQ>m°H$ EŠgM|O Ho$ gmW hþE gyMr~Õ H$ama Ho$ I§S> 49 Ho$ àmdYmZm| Ho$ Cg gr‘m VH$, Ohm§ VH$ {H$ ~¢qH$J H§$nZr

(CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 Ed§ ^maVr` [aµOd© ~¢H$ Ûmam Bg g§~§Y ‘| Omar {Xem{ZX}em| Ho$ àmdYmZm| H$m C„§KZ

Zht hmoVm h¡, AZwnmbZ H$aoJm.

BH«$m {b{‘Q>oS> Zo h‘mao ~¢H$ H$mo H$m°nm}aoQ> JdZ]g àWmAm| Ho$ {bE "grOrAma3+' (CXKmo{fV grOrAma 3 ßbg) aoqQ>J àXmZ H$s h¡. Bg aoqQ>J

go `h àH$Q> hmoVm h¡ {H$ BH«$m H$s dV©‘mZ am` `h h¡ {H$ aoqQ>J àXÎm H§$nZr Zo Bg Vah H$s àWmE§, naånam Ed§ g§{hVm H$mo ñdrH$ma H$aVo hþE

AnZm`m h¡, {Oggo dh H$m°nm}aoQ> JdZ]g H$s JwUdÎmm na AnZo {dÎmr` ñQ>oH$YmaH$m| H$mo AmœmgZ H$m Cƒ ñVa àXmZ H$a gHo$.

{ZXoeH$ ‘§S>b

~¢H$ H$m JR>Z ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970 (g‘`-g‘` na `Wm-g§emo{YV), Ho$ AZwê$n {H$`m

J`m h¡. gm‘mÝ` XoIaoI, {Xem{ZX}e Ed§ ~¢H$ Ho$ ì`dgm` à~§YZ Ho$ A{YH$ma {ZXoeH$ ‘§S>b Ho$ nmg {Z{hV h¢, {OZH$s AÜ`jVm, AÜ¶j

Ed§ à~§Y {ZXoeH$ Ûmam H$s OmVr h¡.

~¢H$ Ho$ {ZXoeH$ ‘§S>b H$m JR>Z ~¢H$H$mar {d{Z`‘, 1949, ~¢H$H$mar H§$nZr (CnH«$‘m| H$m AO©Z Ed§ A§VaU) A{Y{Z`‘, 1970, `Wm

g§emo{YV Ed§ amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm, 1970, `Wm g§emo{YV Ho$ Ûmam A{Yem{gV hmoVm h¡.

31


g‘rjmYrZ df© AWm©V 2014-15 Ho$ Xm¡amZ, {ZXoeH$ ‘§S>b H$m g§`moOZ {ZåZdV Wm:

H«$. Zm‘ Ym[aV nX Ad{Y (go-VH$)

{XZm§H$ 31.03.2015 H$mo ~¢H$ Ho$ Ym[aV B{¹${Q> eo`aH$s g§»`m

{deofkVm H$m joÌ

{XZm§H$ 31.03.2015 H$mo goÝQ´b ~¢H$ Am°’$ B§{S>`m ~moS©> g{‘{V H$s gXñ`Vm/ AÜ`>jVm H$s

{XZm§H$ 31.03.2015 H$mo AÝ` H§$nZr H$s {ZXoeH$Vm

Š`m {X. 30 OyZ, 2014 H$mo A§{V‘ EOrE‘ H$s ~¡R>H$ ‘| CnpñW{V Wr

gXñ` AÜ`j 1. lr amOrd G${f AÜ`j

Ed§ à~§Y {ZXoeH$

01.08.2013 go

{Za§H$ ~¢qH$J E‘gr~r, AmaE‘gr, EbdrE’$grgrEggr, AmB©Q>rEg, EgAmagr, AmB©E’$AmaEg, drAmB©Or, grEgr, EMAma, E‘Amagr

E‘gr~r, AmaE‘gr, EbdrE’$gr, grEggr, AmB©E’$ AmaEg, drAmB©Or, grEgr, EMAma, E‘Amagr

-BÝS>mo µOmpå~`m ~¢H$ {b.-B§{S>`mBÝ’«$mñQ´ŠMa ’$mBZ|g H§$. {b.

Or hm±

2 lr Ama.Ho$.Jmo`b. H$m`©nmbH$ {ZXoeH$

11.01.2013 go

{Za§H$ ~¢qH$J E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$grgrEggr, AmB©Q>rEg,EgAmagr,AmB©E’$AmaEg,grEgr, EMAma,E‘Amagr,

{Za§H$ - goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.- goÝQ> ~¢H$ ’$mBZ|{e`b g{d©goO {b.

Or hm±

3 lr A{Z‘of Mm¡hmZ H$m`©nmbH$ {ZXoeH$

05.08.2013 go 31.12.2014

{Za§H$ ~¢qH$J E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$gr grEggr, AmB©Q>rEg, EgAmagr, AmB©E’$AmaEg, grEgr, EMAma, E‘Amagr,

{Za§H$ -goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.

Or hm±

32




{deofkVm H$m joÌ




gXñ` AÜ`j 4 lr ~r.Ho$. {XdmH$a. H$m`©nmbH$

{ZXoeH$23.01.2014 go

{Za§H$ ~¢qH$J E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$gr grEggr, AmB©Q>rEg, EgAmagr, AmB©E’$AmaEg, grEgr, EMAma, E‘Amagr,

{Za§H$ - goÝQ> ~¢H$ hmo‘ ’$mBZ¢g {b.- goÝQ> ~¢H$ ’$mBZ|{e`b g{d©goO {b.

Or hm±

5 S>m°. Ama.gr. bmo‹T>m H$m`©nmbH$ {ZXoeH$

11.03.2015 go

{Za§H$ ~¢qH$J E‘gr~r, Egr~r, AmaE‘gr, EbdrE’$grgrEggr, AmB©Q>rEg, EgAmagr, AmB©E’$AmaEg, grEgr, EMAma, E‘Amagr,

{Za§H$ {Za§H$ EOrE‘ H$s VmarI H$mo {ZXoeH$ Zht

6 S>m°. gm¡a^ JJ© ^maV gaH$ma Ûmam Zm[‘V {ZXoeH$

19.02.2014 go

{Za§H$ àemgZ Egr~r, AmaE‘gr, EbdrE’$grAmagr, drAmB©Or, E‘Amagr, EMAma

Amagr {Xëbr- ‘w§~B© B§S>pñQ´`b H$m°[aS>moa Q´ñQ>a

Or Zht

7 lr eoIa ^Q>ZmJa ^m[a~¢ Ûmam Zm[‘V {ZXoeH$

13.03.2014 go

{Za§H$ ~¢qH$J E‘gr~r, Egr~r,Amagr, drAmB©Or

{Za§H$ {Za§H$ Or Zht

8 àmo. EZ. ~mbH¥$îUZ eo`aYmaH$ {ZXoeH$

20.11.2008 go 9.11.2011 Ed§ 10.01.2012 go 9.01.2015

160 gyMZm àmoÚmo{JH$s

AmaE‘gr, grEggr, AmB©Q>rEg, EgAmagr

AmB©Q>rEg, EgAmagr

I) gr-S>m°Q> AëH$m Q>ob [agM© goÝQ>a àm.{b. II) S>mQ>m {gŠ`y [aQ>r H$m¢pÝgb Am°’$ B§{S>`m

Or hm±

33




{deofkVm H$m joÌ




gXñ` AÜ`j9 lr Jw‘mZ qgh A§eH$mbrZ

J¡a- gaH$mar {ZXoeH$

08.08.2011 go 07.08.2014

{Za§H$ godm{Zd¥Îm aobdo A{YH$mar

E‘gr~r, Egr~r, grEggr, AmB©E’$AmaEg

{Za§H$ {Za§H$ Or hm±

10 lr E‘.nr. emoamdmbm A§eH$mbrZ J¡a- gaH$mar {ZXoeH$

03.01.2013 go

{Za§H$ dH$sb E‘gr~r, AmaE‘gr, AmB©Q>rEg, AmB©E’$AmaEg, EMAma

{Za§H$ {dœ bú‘r EŠgdnmoQ>©g (àm.) {b.

Or Zht

11 lr H¥$îU goR>r A§eH$mbrZ J¡a- gaH$mar {ZXoeH$

28.02.2013 go

{Za§H$ ì`mdgm{`H$ Egr~r, AmaE‘gr, EbdrE’$gr AmB©E’$AmaEg,

Egr~r {Za§H$ Or hm±

12 lr Eg.~r.amoSo> A{YH$mar H$‘©Mmar {ZXoeH$

02.04.2013 go

133 ~¢H$a E‘gr, EbdrE’$gr grEggr, EgAmagr


13 lr Jwa~»e Hw$‘ma Omoer

H$‘©H$ma H$‘©Mmar {ZXoeH$

10.07.2013 go

{Za§H$ ~¢H$a E‘gr~r, grEggr, AmB©Q>rEg, EgAmagr


14 lr‘Vr EZ.Eg. aËZà^m A§eH$mbrZ J¡a-gaH$mar {ZXoeH$

19.12.2013 go

{Za§H$ g‘mO godm Egr~r, AmaE‘gr, EgAmagr, grEggr, Amagr


AÜ`j Ed§ à~§Y {ZXoeH$ VWm H$m`©nmbH$ {ZXoeH$JU ~¢H$ Ho$ nyU©H$m{bH$ {ZXoeH$ h¢.

E‘gr~r - ~moS©> H$s à~§YZ g{‘{V

Egr~r - ~moS©> H$s boIm narjm g{‘{V

AmaE‘gr - OmopI‘ à~§YZ g{‘{V

EbdrE’$gr - Cƒ ‘yë` H$s YmoImY‹S>r g§~§Yr g{‘{V

grEggr - J«mhH$ godm g{‘{V

AmB©Q>rEg - gyMZm àm¡Úmo{JH$s H$m`©Zr{V g{‘{V

EgAmagr - ñQ>omH$hmoëS>a gå~§Y g{‘{V

34


Amagr - nm[al{‘H$ g{‘{V

AmB©E’$AmaEg - A§Vam©ï´>r` {dÎmr` [anmo{Qª>J ‘mZH$ g{‘{V

drAmB©Or - gVH©$Vm g{‘{V

grEgr - F$U AZw‘moXZ g{‘{V

EMAma - ‘mZd g§gmYZ g{‘{V

E‘Amagr - dgybr g{‘{V H$s {ZJamZr

{ZXoeH$ ‘§S>b H$s à~§YZ g{‘{V:

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F$U AZw‘moXZ g{‘{V:

amï´>r`H¥$V ~¢H$ (à~§YZ Ed§ {d{dY àmdYmZ) `moOZm,1970 ‘| Omo‹S>o Jò Zò I§S> 13E Ho$ AZwgma, {XZm§H$ 31.01.2012 go {ZXoeH$ ‘ÊS>b H$s EH$ F$U AZw‘moXZ g{‘{V H$m JR>Z {H$`m J`m h¡. ` 400.00 H$amo‹S> VH$ Ho$ F$U àñVmd, ` 10.00 H$amo‹S> VH$ Ho$ g‘Pm¡Vm/~Å>o ImVo, é.15.00 bmI VH$ Ho$ à{Vdf© (J«m‘rU joÌ), ` 25.00 bmI VH$ Ho$ à{Vdf© (AY©ehar joÌ), ` 50.00 bmI VH$ Ho$ à{Vdf© (ehar joÌ) Ed§ ` 1.00 H$amo‹S> VH$ Ho$ à{Vdf© (‘oQ´mo joÌ) Ho$ n[aga àñVmd g§~§Yr ~moS©> ‘| {Z{hV e{º$`m| H$m à`moJ H$aVr h¡. dV©‘mZ g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$, ‘w»` ‘hmà~§YH$ (OmopI‘ à~§YZ) Ed§ à^mar ‘hmà~§YH$ (F$U), à^mar ‘hmà~§YH$ ({dÎm), à^mar ‘hmà~§YH$ (n[aga) Ed§ à^mar ‘hmà~§YH$(dgybr) em{‘b h¢.

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OmopI‘ à~§YZ g{‘{V

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nm[al{‘H$ g{‘{V

nyU©-H$m{bH$ {ZXoeH$m| H$mo H$m`©{ZînmXZ g§~Õ àmoËgmhZ am{e Ho$ ^wJVmZ Ho$ {bE, {ZXoeH$ ‘§S>b H$s nm[al{‘H$ g{‘{V H$m JR>Z {dÎm ‘§Ìmb` Ho$ g§àofU E’$.Z§.20.1.2005-~rAmo-I {XZm§H$ 09.03.2007 Ho$ AZwgma {H$`m J`m. Bg g{‘{V ‘| maV gaH$ma Ûmam Zm{‘V {ZXoeH$, maVr` [aOd© ~¡H$ Ûmam Zm{‘V {ZXoeH$ Ed§ 2 ñdV§Ì {ZXoeH$ em{‘b h¡. {dÎm df© 2014-15 Ho$ {bE nyU©H$m{bH$ {ZXoeH$m| H$mo H$m`©{ZînmXZ g§~Õ àmoËgmhZ XoZo na {dMma H$aZo Ho$ {bE nm[al{‘H$ g{‘{V H$s ~¡R>H$ H$m Am`moOZ {XZm§H$ 20.05.2014 H$mo {H$`m J`m.

35


{ZXoeH$m| H$m nm[al{‘H$ :

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H«$.g§ Zm‘ é. bmI ‘|1. lr amOrd G${f

(AÜ`j Ed§ à~§Y {ZXoeH$)25.59

2. lr amO Hw$‘ma Jmo`b (H$m`©nmbH$ {ZXoeH$)

24.28

3. lr A{Z‘of Mm¡hmZ (H$m`©nmbH$ {ZXoeH$)

17.91

4. lr ~r. Ho$. {XdmH$a (H$m`©nmbH$ {ZXoeH$)

17.47

5. lr Ama. gr. bmo‹T>m (H$m`©nmbH$ {ZXoeH$)

0.91

g‘rjmYrZ df© Ho$ Xm¡amZ, ~¢H$ Zo nmÌ {ZXoeH$m| H$mo ~moS©> H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bE é. 8,00,000/- (énò AmR> bmI ‘mÌ) VWm ~moS©> H$s Cn-g{‘{V H$s ~¡R>H$m| ‘| CnpñWV ahZo Ho$ {bE é. 5,90,000/- (énò nm§M bmI Zã~o hOma ‘mÌ) Ho$ ~¡R>H$ ewëH$ H$m wJVmZ {H$`m.

eoàYmaH$m| H$s g§~§Y g{‘{V

H$m°nm}aoQ> JdZ}g na ^maVr` à{V^y{V Am¡a {d{Z‘` ~moS©> (go~r) Ho$ {Xem{ZX}em| Ho$ VhV gyMrH$aU H$ama Ho$ I§S> 49 Ho$ AZwnmbZ ‘|, ñQ>oH$YmaH$m| H$s g§~§Y g{‘{V (nyd© ‘| `h eoàYmaH$m|/{ZdoeH$ {eH$m`V g{‘{V Ho$ Zm‘ go OmZr OmVr Wr) H$m JR>Z eo`g© Ho$ A§VaU, dm{f©H$ [anmoQ>© H$s àm{á Z hmoZm, bm^m§e H$s àm{á Z hmoZo BË`m{X go g§~§{YV eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`Vm| Ho$ {ZdmaU Ho$ {bò {H$`m J`m h¡. df© Ho$ Xm¡amZ, {ZdoeH$m| go àmá g^r g§X^m]/{eH$m`Vm| H$m CÎma {X`m Om MwH$m h¡/{ZnQ>mZ {H$`m Om MwH$m h¡. gm‘mÝ`V: {ZdoeH$m| H$s {eH$m`Vm| na H$ma©dmB©, gå~Õ OmZH$mar àmá hmoZo Ho$ gmV {XZm| Ho$ ^rVa H$a br OmVr h¡. Bg g{‘{V ‘| AÜ`j Ed§ à~§Y {ZXoeH$, H$m`©nmbH$ {ZXoeH$JU Ed§ Xmo ñdV§Ì {ZXoeH$ h¢. Bg g{‘{V Ho$ AÜ`j ~¢H$ Ho$ {ZXoeH$ ‘§S>b Ho$ EH$ ñdV§Ì J¡a-gaH$mar {ZXoeH$ àmo. EZ.~mbH¥$îUZ CZH$s godm{Zd¥{Îm {XZm§H$ 09.01.2015 VH$ aho Am¡a CZHo$ nümV lr H¥$îU goR>r dV©‘mZ ‘| AÜ`j h¢. A§eH$mbrZ J¡a-gaH$mar {ZXoeH$m| H$mo AmdV©Z àËòH$ df© Ho$ nümV {H$`m OmVm h¡. df© Ho$ Xm¡amZ, Bg g{‘{V H$s 4 ~¡R>H|$ Am`mo{OV H$s JBª.

df© 2014-15 ({XZm§H$ 01.04.2014 go 31.03.2015 VH$) Ho$ Xm¡amZ {ZdoeH$ {eH$m`V H$m {ddaU {ZåZ àH$ma h¡:

1 df© Ho$ àma§^ ‘| b§{~V {eH$m`V| {Za§H$2 Aàmá eoà à‘mUnÌ 063 Aàmá bm^m§e dma§Q> 1064 Aàmá dm{f©H$ [anmoQ>© 275 Aàmá YZdmngr AmXoe {Za§H$6 YZdmngr {bIV ‘| gwYma 287 AÝ` (EZEgB©, ~rEgB©, go~r) 28 àmá Hw$b {eH$m`V| 1699 {ZnQ>mB©/Ü`mZ Xr JB© Hw$b {eH$m`V| 16910 df© Ho$ A§V ‘| b§{~V Hw$b {eH$m`V| {Za§H$

36


h‘ nw{ï> H$aVo h¢ {H$ {ZdoeH$ H$s H$moB© ^r {eH$m`V 30 {XZ go A{YH$ Ad{Y hoVw {~Zm Ü`mZ {XE/b§{~V Zht ahr h¡.

AZwnmbZ A{YH$mar

lr AmZ§X Hw$‘ma Xmg, ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md, ñQ>m°H$ EŠgM|O Ho$ gmW {H$E JE B{¹$Q>r gyMrH$aU H$ama Ho$ AZwgma ~¢H$ Ho$ AZwnmbZ A{YH$mar h¢.

gmd©O{ZH$ {ZJ©‘m|, amBQ> {ZJ©‘m|, A{Y‘mZ {ZJ©‘m| BË`m{X go àm{á`m§.

df© Ho$ Xm¡amZ, ~¢H$ Zo ^maVr` OrdZ ~r‘m {ZJ‘ H$mo {XZm§H$ 1 AJñV, 2014 Ed§ 1 OZdar, 2015 H$mo Xmo H«$‘ ‘| A{Y‘mZ AmYma na H«$‘e: 7,10,75,753 Ed§ 8,28,90,000 eo`g© H$m Am~§Q>Z H$aVo hþE, ` 1207.84 H$amo‹S> (àr{‘`‘ g{hV) H$s am{e OwQ>mB© h¡. BgHo$ A{V[aº$, ~¢H$ Zo ^maV gaH$ma Ûmam Ym[aV ` 1617.00 H$amo‹S> (àËòH$ ` 10.00 A§{H$V ‘yë` Ho$ 161,70,00,000 nrEZgrnrEg) Ho$ g§nyU© ñWm`r Ag§M`r A{Y‘m{ZV eo`g© (nrEZgrnrEg) H$m g§n[adV©Z H$aVo hþE, ^maV gaH$ma H$mo 15,38,68,113 B{¹$Q>r eo`g© ^r Omar {H$E h¢. BZ {Z{Y`m| H$mo OwQ>mZo H$m ‘w»` CÔoí` {Q>à-I Ed§ {Q>à-II ny§Or ~‹T>mH$a ny§Or n`m©áVm AZwnmV ‘O~yV H$aZm VWm ~¢H$ Ho$ XrKm©d{Y g§gmYZm| ‘| A{^d¥{Õ H$aZm h¡. OwQ>mB© JB© {Z{Y`m| H$m Cn`moJ Cn`w©º$ CÔoí`m| hoVw {H$`m Om ahm h¡.

g§àofU Ho$ ‘mÜ`‘ :

{V‘mhr {dÎmr` n[aUm‘ (J¡a-boImnar{jV; na§Vw gm§{d{YH$ boImnarjH$m| H$s gr{‘V g‘rjm Ho$ AYrZ) VWm boImnar{jV dm{f©H$ n[aUm‘ gm‘mÝ`V`m BH$m°Zm{‘H$ Q>mBåg, ’$mBZ|{e`b EŠgàog, {~OZog ñQ>¡ÊS>S©>, nwT>mar (‘amR>r), BË`m{X O¡go A§J«oOr, qhXr, ‘amR>r Ed§ AZoH$ ñWmZr` ^mfm Ho$ {d{^Þ à{V{ð>V g‘mMma nÌm| ‘| àH$m{eV {H$E JE Wo. BZ n[aUm‘m| H$mo ~¢H$ H$s do~gmBQ> www.centralbankofindia.co.in na ^r àX{e©V {H$`m J`m.

gm‘mÝ` eoàYmaH$ gyMZm

~¢H$ H$s 8dt dm{f©H$ gmYmaU ~¡R>H$:

{XZ Ed§ {XZm§H$ : gmo‘dma, {XZm§H$ 30 OyZ, 2015 H$mo nydm©Ýh 11.00 ~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na hm°pñnQ>b/[abm`§g EZOu H$m`m©b` Ho$ nmg, OodrnrS>r ñH$s‘, {dbo nmb} (n{ü‘), ‘w§~B©-400056

1. `h gmYmaU dm{f©H$ ~¡R>H$ {dÎmr` df© 2014-15 go g§~§{YV h¡.

2. ~hr-~§Xr H$s VmarI : {XZm§H$ 25 OyZ, 2015 go 30 OyZ, 2015 (XmoZm| {Xdg g{hV)

3. bm^m§e ^wJVmZ VmarI : {XZm§H$ 30 OwbmB©, 2015 H$mo AWdm Cggo nyd©

gmYmaU ~¡R>H$ :

H«.g§. ~¡R>H$ H$s àH¥${V {XZm§H$ Ed§ g‘` ñWmZ1. gmVdt dm{f©H$ gmYmaU ~¡R>H$ {XZm§H$ 30 OyZ, 2014, nydm©Ýh 11.00

~Oo ga gmoam~Or nmoMImZmdmbm ~¢H$g© à{ejU ‘hm{dÚmb`, Hy$na hm°pñnQ>b/[abm`§g EZOu H$m`m©b` Ho$ nmg, OodrnrS>r ñH$s‘, {dbo nmb} (n{ü‘), ‘w§~B©-400056

2. N>R>r dm{f©H$ gmYmaU ~¡R>H$ {XZm§H$ 29 OyZ, 2013, nydm©Ýh 11.00 ~Oo

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3. nm§Mdt dm{f©H$ gmYmaU ~¡R>H$ {XZm§H$ 27 OyZ, 2012, gm`§ 4.00 ~Oo -----VX¡d------4. Mm¡Wr dm{f©H$ gmYmaU ~¡R>H$ {XZm§H$ 29 OwbmB©, 2011, Xmonha 3.00

~Oo -----VX¡d------

37


ñQ>m°H$ EŠgM|O na gyMrH$aU :

~¢H$ Ho$ eoà ~m°å~o ñQ>m°H$ EŠgM|O {b{‘Q>oS> Ed§ Z¡eZb ñQ>m°H$ EŠgM|O B§{S>`m {b{‘Q>oS>, XmoZm| ‘| gyMr~Õ {H$E OmVo h¢. pñH«$n H$moS> {ZåZdV h¡:

~m°å~o ñQ>m°H$ EŠgM|O {b{‘Q>oS> (~rEgB©) 532885ZoeZb ñQ>m°H$ EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> (EZEgB©) CENTR LBK

AmB©EgAmB©EZ Z§~a AmB©EZB© 483 A1010XmoZm| ñQ>m°H$ EŠgM|O H$mo df© 2015-16 Ho$ {bE dm{f©H$ gyMrH$aU ewëH$ AXm H$a {X`m J`m h¡.

~¢H$ Zo g‘`-g‘` na dMZ-nÌm| Ho$ ê$n ‘| J¡a-n[adV©Zr` ~m°ÊS> ({Q>à-II ny§Or) Omar {H$E h¢. VËg§~§Yr ~H$m`m {ddaU {ZåZdV h¡:

{XZm§H$ 31.03.2015 H$mo goÝQ´b ~¢H$ Am°’$ B§{S>`m ~m°ÊS²g-{Q>à-II ny§Or H$s pñW{V:

grarO {ddaU Omar {XZm§H$ Hw$b ‘yë` (é.H$amo‹S> ‘|)

AmB©EgAmB©EZ

bmoAa {Q>à II- grarO X 28.03.2006 578.20 AmB©EZB©483 09146

bmoAa {Q>à II- grarO XI 04.10.2006 700.00 AmB©EZB©483 09153

bmoAa {Q>à II- grarO XII 03.03.2008 389.10 AmB©EZB©483 09161

bmoAa {Q>à II- grarOXIII 10.02.2009 270.00 AmB©EZB©483 09187

bmoAa {Q>à II- grarOXIV 21.12.2011 500.00 AmB©EZB©483 09245

Ana {Q>à II- grarOI 14.11.2008 300.00 AmB©EZB©483 09179

Ana {Q>à II- grarOII 17.02.2009 285.00 AmB©EZB©483 09195

Ana {Q>à II- grarOIII 23.06.2009 500.00 AmB©EZB©483 09203

Ana {Q>à II- grarOIV 20.01.2010 500.00 AmB©EZB©483 09211

Ana {Q>à II- grarOV 11.06.2010 1000.00 AmB©EZB©483 09229

Ana {Q>à II- grarOVI 21.01.2011 300.00 AmB©EZB©483 08015

~mgb III AZwnm{bV H«$.I 08.11.2013 1000.00 AmB©EZB©483 09260

Hw$b 6522.30ò g^r ~m°ÊS> Z¡eZb ñQ>m°H$ EŠgM|O Am°’$ B§{S>`m {b{‘Q>oS> AWdm ~m°å~o ñQ>m°H$ EŠgM|O {b{‘Q>oS> ‘| gyMr~Õ {H$E JE h¢. ~¢H$ Zo df© 2015-16 Ho$ {bE EŠgM|O H$mo dm{f©H$ gyMrH$aU ewëH$ H$m ^wJVmZ {H$`m h¡.

~mOma ‘yë` Am§H$‹S>o:

‘m{gH$ Cƒ Ed§ Ý`yZ ^md Ed§ EZEgB© na eoàm| Ho$ H«$`-{dH«$` H$s à‘mÌm (~¢H$ Ho$ eoà ‘yë` H$s EZEgB© {ZâQ>r go VwbZm g{hV) {ZåZdV h¡:

EZEgB©‘mh A{YH$V‘ ‘yë` (é.) Ý`yZV‘ ‘yë` (é.) A{YH$V‘ ‘yë` (é.) Ý`yZV‘ ‘yë` (é.)

Aà¡b, 2014 57.20 48.30 57.20 48.30

‘B©, 2014 85.60 52.00 85.60 51.90

OyZ, 2014 89.00 72.80 88.85 72.80

OwbmB©, 2014 81.45 66.30 81.35 66.50

AJñV, 2014 71.95 61.90 72.00 62.00

{gVå~a, 2014 68.80 60.00 68.90 60.00

Aºy$~a, 2014 67.45 58.15 67.40 58.05

Zdå~a, 2014 78.50 67.20 78.55 67.20

38


{Xgå~a, 2014 92.65 65.95 92.50 66.60

OZdar, 2015 106.00 91.35 105.90 91.35

’$adar, 2015 120.60 100.70 121.00 100.35

‘mM©, 2015 109.50 101.20 109.60 101.25

eoà A§VaU Ed§ eoàYmaH$m|/{ZdoeH$m| H$s {eH$m`Vm| H$m {ZdmaU:

eoà A§VaU, YZ-dmngr AmXoe, bm^m§e ^wJVmZ Ed§ {ZdoeH$m| go g§~§{YV AÝ` J{V{d{Y`m| na H$ma©dmB© h‘mao a{OñQ´ma Ed§ Q´m§g’$a EO|Q> Ho$ H$m`m©b` ‘| H$s OmVr h¡. BZ‘| go {H$gr ^r XñVmdoO H$mo O‘m H$aZo Am¡a {H$gr ^r nyN>VmN>/{eH$m`Vm|/H${R>ZmB`m| Ho$ g§~§Y ‘| eoàYmaH$m| Ed§ {ZdoeH$m| go {ZåZ nVo na g§nH©$ H$aZo H$m AZwamoY h¡:

qbH$ BZQ>mB‘ B§{S>`m àmBdoQ> {b{‘Q>oS> gr-13, nÞmbmb {gëH$ {‘ëg H§$nmC§S> Eb~rEg ‘mJ©, ^m§Sw>n (n{ü‘) ‘w§~B©-400 078 Q>obr.: 022-25946970 ’¡$Šg: 022-25946969 B©-‘ob AmB©S>r: [email protected]

~¢H$ go nÌmMma H$aZo H$m nVm:

ghm`H$ ‘hmà~§YH$-E‘~rS>r/H§$nZr g{Md Ed§ AZwnmbZ A{YH$mar goÝQ´b ~¢H$ Am°’$ B§{S>`m 9dt ‘§{Ob, M§Xa‘wIr Zar‘Z nm°B§Q> ‘w§~B©-400 021 g§nH©$ Z§. 022- 6638 7818 ’¡$Šg : 022- 2283 5198 B©-‘ob AmB©S>r: [email protected]; [email protected]

{XZm§H$ 31.03.2015 H$mo eoàYm[aVm H$m ñdê$n

{XZm§H$ 31.03.2015 H$mo eoàYm[aVm H$m ñdê$neoàYmaH$m| H$s loUr eo`g© H$s g§»`m eoàYmaH$m| H$s g§»`m Hw$b eo`g© Ym[aVm H$m %

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39


J¡a-amï´>r`H¥$V ~¢H$ 452450 0 3 0 452450 0.03A{Zdmgr ^maVr` 646221 121600 818 1 767821 0.05A{Zdmgr (AàË`mdV©Zr`) 171476 0 271 0 171476 0.01gmd©O{ZH$ 42312575 15146 156378 119 42327721 2.55Q´ñQ> 121948 0 19 0 121948 0.01OrAmB©gr Ed§ CgH$s AZwf§{J`m§ 6334239 0 5 0 6334239 0.38{dXoer nmoQ>©’$mo{b`mo {ZdoeH$ (H$m°nm}aoQ>) 81327 0 2 0 81327 0.01Hw$b 1658136345 136836 158756 121 1658273181 100.00eo`g© H$m {S>‘oQ>[a`bmBOoeZ~¢H$ Ho$ eo g© H$m H«$`-{dH«$` A{Zdm ©V: S>r‘oQ> ê$n ‘| {H$`m OmVm h¡, ~¢H$ Zo nhbo go hr eo g© Ho$ S>r‘oQ>[a`bmBOoeZ Ho$ {bE XmoZm| {S>nm°{OQ>ar ZoeZb {gŠ y[aQ>rµO {S>nm°{OQ>arµO {b{‘Q>oS> (EZEgS>rEb) Ed§ goÝQb {S>nm°{OQ>ar g{d©gog (B§{S> m) {b{‘Q>oS> (grS>rEgEb) Ho$ gmW H$ama {H$`m h¡.{XZm§H$ 31.03.2015 H$mo eoàYmaH$m| Ûmam S>r‘oQ> Ed§ ^m¡{VH$ ñdê$n ‘| Ym[aV eo`g© Ho$ {ddaU {ZåZmZwgma h¡ :

eoàYmaH$m| H$s g§»`m eo`g© H$s g§»`m Ym[aVm H$m %^m¡{VH$ ñdê$n ‘| 121 136836 0.01EZEgS>rEb 102158 282152028 17.01grS>rEgEb* 56598 1375984317 82.98Hw$b 158877 1658273181 100.00*Ho$ÝÐ gaH$ma Ûmam S>r‘oQ> ê$n go Ym[aV 1350827438 (81.46%) g{hV.H$moB© ^r OrS>rAma/ES>rAma/dmaÊQ> AWdm n[adV©Zr` {bIV ~H$m`m Zht h¡.AXmdmH¥$V CM§V ImVm| ‘| eo`g©:gyMrH$aU H$ama Ho$ IÊS> 5E H$s eVm] Ho$ AZwgma, {XZm§H$ 31 ‘mM©, 2015 H$mo AXmdmH¥$V CM§V ImVm ‘| ~H$m`m eo`g© {ZåZdV h¢ :

H«$.g§. {ddaU eoàYmaH$m| H$s g‘J« g§»`m

g‘J« ~H$m`m eo`g©

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{bE OmarH$Vm© go g§nH©$ {H$`m.7 426

(iii) df© Ho$ Xm¡amZ, eoàYmaH$m| H$s g§»`m, {OÝh| AXmdmH¥$V CM§V ImVm| go eoà A§V[aV {H$E JE. 7 426(iv) df© Ho$ A§V ‘| AXmdmH¥$V CM§V ImVm| ‘| ~H$m`m Hw$b eoàYmaH$m| Ed§ eo`g© H$s g§»`m. 255 34,299

H$m°nm}aoQ> JdZ]g Ho$ A{Zdm`© AZw~§Ym| Ho$ AZwnmbZ H$m à‘mUnÌñQ>m°H$ EŠgM|O Ho$ gmW {H$E JE gyMrH$aU H$ama H$s eVm] Ho$ AZwgma, H$m°nm}aoQ> JdZ]g Ho$ A{Zdm`© AZw~§Ym| Ho$ AZwnmbZ go g§~§{YV ~¢H$ Ho$ gm§{d{YH$ boImnarjH$m| Ho$ Ûmam Omar à‘mUnÌ g§b¾ h¡.

40


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AmMma g§{hVm Ho$ AZwnmbZ H$s KmofUm

‘¢ nw{ï> H$aVm hÿ§ {H$ ~moS©> Ho$ g^r gXñ`m| Ed§ d[að> à~§YV§Ì Zo {dÎmr` df© 2014-15 Ho$ {bE ~¢H$ H$s AmMma g§{hVm H$m {Z{üV ê$n go AZwnmbZ {H$`m h¡.

(amOrd G${f) AÜ`j Ed§ à~§Y {ZXoeH$

ñWmZ: {Xëbr

{XZm§H$: 25 ‘B©, 2015

41


à‘mUnÌà{V,goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ gXñ`JU,

h‘Zo {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m Ûmam H$m°nm}aoQ> JdZ}g H$s eVm] Ho$ AZwnmbZ H$s Om§M H$a br h¡, O¡gm {H$ ñQ>m°H$ EŠgM|O Ho$ gmW H${WV H§$nZr Ho$ gyMrH$aU-H$ama Ho$ I§S> 49 ‘| {ZYm©[aV h¡.

H$m°nm}aoQ> JdZ}g H$s eVm] Ho$ AZwnmbZ H$m Xm{`Ëd à~§YV§Ì H$m h¡. H$m°nm}aoQ> JdZ}g H$s eVm} Ho$ AZwnmbZ H$mo gw{Z{üV H$aZo Ho$ {bE H§$nZr Ûmam A§JrH¥$V à{H«$`mAm| VWm CZHo$ H$m`m©Ýd¶Z VH$ hr h‘mar `h Om§M gr{‘V Wr. `h H§$nZr Ho$ {dÎmr` {dda{U`m| na Z Vmo boImnarjm h¡ Am¡a Z hr CZ na A{^ì`{º$ h¡.

h‘mar am` VWm h‘mar A{YH$V‘ OmZH$mar Ho$ AZwgma Am¡a h‘| {XE JE ñnï>rH$aUm| Ho$ AZwê$n, h‘ h à‘m{UV H$aVo h¢ {H$ Cpëb{IV gyMrH$aU H$ama ‘| {ZYm©[aV H$m°nm}aoQ> JdZ}g H$s eVm] H$m goÝQ´b ~¢H$ Am°’$ B§{S>`m Zo AZwnmbZ {H$`m h¡.

h‘mam H$WZ h¡ {H$ eo`aYmaH$ g{‘{V Ûmam aIo JE [aH$m°S©> Ho$ AZwgma, goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ {dê$Õ {H$gr ^r {ZdoeH$ H$s {eH$m`V b§{~V Zht h¡.

gmW hr, h‘mam `h ^r H$WZ h¡ {H$ Bg Vah H$m AZwnmbZ Z Vmo H§$nZr H$s ^mdr ì`dhm`©Vm H$m Am¡a Z hr à~§YV§Ì Ûmam ~¢H$ Ho$ H$mamo~ma g§~§Yr CZHo$ H$m¡eb VWm à^m{dVm H$m AmœmgZ h¡.

H¥$Vo Hw$‘ma Mmon‹S>m EÊS> Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS >H§$. gZXr boImH$ma

E’$.Ama.Z§.-004135Eg

H¥$Vo XÿJ‹S> EÊS Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000561EZ

(grE Ama. Ho$ AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510

(grE lrJmonmb BÝZmZr) ^mJrXma

gXñ`Vm g§. 210087

(grE ‘wHo$e Jmo`b) ^mJrXma

gXñ`Vm g§. 081810

H¥$Vo EZ. gaH$ma EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 301075B©

H¥$Vo ~r.EZ.{‘lm EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§. 321095B©

H¥$Vo M§Xm^m°¶ EÊS> Oñgy^m°¶ gZXr boImH$ma

E’$.EZ.Z§. 101647 S>ãë¶y

(grE E‘. ao) ^mJrXma

gXñ`Vm g§. 012940

(grE ~r. EZ. {‘lm) ^mJrXma

gXñ`Vm g§. 083927

(grE Aå~oe E. Xdo) ^mJrXma

gXñ`Vm g§. 049289

ñWmZ : ‘wå~B©{XZm§H$ : 12 ‘B©, 2015

42


Hw$‘ma Mmon‹S>m EÊS>> Egmo{eòQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ‘hmamZr ~mJ Ho$ nmg, ZB© {Xëbr - 110 065

nr.Ho$. gw~«‘{U`‘ EÊS> H§$. 11-5-23, H$m{V©H$ H$m°ånboŠg {dO`m ~¢H$ Ho$ D$na, ~«oñR>dmanoR> am`Mya - 584 101, H$Zm©Q>H$.

XyJ‹S> EÊS>> Egmo{eòQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {Xëbr - 110 065

EZ gaH$ma EÊS> H§$. 21, à’w$ëb gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm - 700 072 n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS> H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>odbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

M§Xm^m°¶ EÊS>> Oñgy^m°¶ 208 ’$s{Z³g hmCg, E qdJ, 462 goZmn{V ~mnQ> ‘mJ©, bmoAa naob ‘wå~B© - 400013 ‘hmamï´>

ñdV§Ì boIm narjH$m| H$s [anmoQ>©à{V,^maV Ho$ ‘hm‘{h‘ amï´>n{V{dÎmr` {dda{U`m| na [anmoQ>©

1. h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m H$s {XZm§H$ 31 ‘mM©, 2015 H$s g§b¾ {dÎmr` {dda{U`m|, {OZ‘| {XZm§H$ 31 ‘mM©, 2015 H$m VwbZ-nÌ, Cº$ {XZm§H$ H$mo g‘má df© Ho$ {bE bm^-hm{Z ImVo VWm ZH$X àdmh {ddaU Ed§ ‘hÎdnyU© boIm§H$Z Zr{V`m§ VWm AÝ`> ì`m»`mË‘H$ gyMZmE§ g{Þ{hV h¢, H$s boIm narjm H$s h¡. BZ {dÎmr` {dda{U`m| ‘| 4689 emImAm| Ed§ Hw$b 80 joÌr` H$m`m©b`m| ‘| go h‘mao Ûmam boImnar{jV 20 emImAm|, 37 joÌr` H$m`m©b`m| H$s {dda{U`m§ VWm AÝ` boIm narjH$m| Ûmam boIm nar{jV 1819 emImAm| H$s {dda{U`m§ g‘m{hV h¡. BgHo$ Abmdm VwbZ nÌ ‘| CZ 2850 emImAm|, 43 joÌr` H$m`m©b`m| H$s {dda{U`m§ ^r em{‘b h¢, Omo {H$ boIm narjmYrZ Zht h¡. BZ AboImnar{jV emImAm| ‘| Hw$b A{J«‘m| H$s 9.97%, O‘mAm| H$s 30.75%, ã`mO Am` H$s 6.69% VWm ã`mO ì¶¶ H$s 24.37% {hñgoXmar h¡. h‘mao Ûmam VWm AÝ` boIm narjH$m| Ûmam boIm nar{jV emImAm| H$m ~¢H$ Ûmam M`Z, maVr` [aµOd© ~¢H$ Ûmam Omar {Xem{ZX}em| Ho$ AZwê$n {H$`m J`m h¡.

{dÎmr` {dda{U`m| Ho$ à{V à~§YV§Ì H$m Xm{`Ëd

2. ~¢H$ H$m à~§YV§Ì BZ {dÎmr` {dda{U`m|, Omo ~¢qH$J {d{Z¶‘Z A{Y{Z`‘, 1949 Ho$ AZwgaU VWm g‘`-g‘` na Omar ^maVr` [aµOd© ~¢H$ Ho$ {Xem{ZX}em| Ho$ AZwnmbZ ‘| ~¢H$ H$s {dÎmr` pñW{V Ed§ {dÎmr` H$m`©-{ZînmXZ H$m ghr Ed§ {Zînj {MÌU àX{e©V H$aZo Ho$ {bE V¡`ma H$aZo Ho$ à{V CÎmaXm`r h¡. Bg CÎmaXm{`Ëd ‘| g‘o{H$V {dÎmr` {ddaUm| Ho$ {Z‘m©U Ed§ àñVw{V go g§~§{YV Am§V[aH$ {Z`§ÌU H$s g§aMZm, {H«$`mÝd`Z Ed§ aIaImd g{Þ{hV h¡, Omo EH$ ghr Ed§ {Zînj pñW{V àñVwV H$aVo h¢ VWm {H$gr ^r àH$ma Ho$ Ìw{Q>de AWdm H$nQ>Vm go ‘hÎdnyU© AnH$WZ go ‘wº$ h¢.

boIm narjH$m| H$m Xm{`Ëd

3. h‘mam Xm{`Ëd h‘mao Ûmam H$s JB© boIm narjm Ho$ AmYma na BZ g‘o{H$V {dÎmr` {dda{U`m| na h‘mam A{^‘V ì`º$ H$aZm h¡. h‘Zo h‘mar boIm narjm BÝñQ>rQ²>Q>çyQ> Am°’$ MmQ>©S©> AH$mCÝQ>oÝQ²g Am°’$ B§{S>`m Ûmam Omar boIm§H$Z ‘mZH$m| Ho$ AZwê$n H$s h¡. ò ‘mZH$ Anojm H$aVo h¢ {H$ h‘ Amdí`H$ Z¡{VH$Vm H$m AZwnmbZ H$aVo hþE boIm narjm H$mo Bg àH$ma gw{Z`mo{OV Am¡a g§nÞ H$a| {H$ BZ g‘o{H$V {dÎmr` {dda{U`m| Ho$ ghr Ed§ {H$gr ^r àH$ma Ho$ ‘hËdnyU© AnH$WZ go ‘wº$ hmoZo H$m g‘w{MV AmídmgZ àH$Q> hmo gHo$.

4. EH$ boIm narjm ‘| do à{H«$`mE§ gpå‘{bV hmoVr h¡, {OZgo g‘o{H$V {dÎmr` {dda{U`m| ‘| Xr JB© am{e`m§ Ed§ àH$Q>rH$aU Ho$ ~mao ‘| boImnar{jV gmú` àmá {H$E Om gH|$. BZ à{H«$`mAm| H$m M`Z boIm narjH$ Ho$ {ZU©` na AmYm[aV hmoVm h¡, {Og‘| g‘o{H$V {dÎmr` {dda{U`m| Ho$ ‘hËdnyU© AnH$WZ, Mmho Ìw{Q>de AWdm H$nQ>VmnyU© hm|, go hmoZo dmbr OmopI‘ H$m AmH$bZ ^r em{‘b hmoVm h¡. BZ OmopI‘m| Ho$ AmH$bZm| ‘| boIm narjm H$s g‘o{H$V {dÎmr` {dda{U`m| Ho$ {Z‘m©U Ed§ àñVw{VH$aU ‘| ~¢H$ Ho$ g§~§{YV Am§V[aH$ {Z`§ÌU na ^r {dMma H$aVo h¢, Omo{H$ ~¢H$ Ho$ Am§V[aH$ {Z`§ÌU H$s à^m{dVm na ‘V Ho$ àJQ>rH$aU Ho$ CÔoí` Ho$ {~Zm àXÎm n[apñW{V`m| ‘| Bg àH$ma H$s Cn`wº$ boIm narjm à{H«$`m ~ZmZo Ho$ {bE h¢, Omo ghr Ed§ {Zînj {MÌU H$a gH|$. EH$ boIm narjm ‘| AnZmB© JB© Zr{V`m| H$s Cn`wº$Vm H$m

43


AmH$bZ Ed§ à~§YV§Ì Ûmam {H$E JE boIm§H$Z AZw‘mZm| Ho$ Am¡{MË` Ho$ gmW-gmW g‘o{H$V {dÎmr¶ {dda{U`m| Ho$ g‘J« àñVw{VH$aU H$m ‘yë`m§H$Z ^r em{‘b hmoVm h¡.

5. h‘ {dœmg ì`º$ H$aVo h¢ {H$ h‘mao Ûmam àmá boIm narjm gmú`, h‘mao boIm narjm A{^‘V Ho$ n`m©á Ed§ Cn`wº$ hmoZo Ho$ {bE AmYma CnbãY H$amVm h¡.

A{^‘V

6. ~¢H$ H$s nwñVH$m| ‘| `Wm àX{e©V Ed§ h‘mar gdm}Îm‘ OmZH$mar Ho$ AZwgma VWm h‘| {Xò JE ñnï>rH$aU Ho$ AZwgma h‘mao A{^‘V ‘| h‘ [anmoQ>© H$aVo h¢ {H$ :

(i) ‘hËdnyU© boIm§H$Z Zr{V`m| Ed§ CZ na {Q>pßßU`m| Ho$ gmW n{R>V VwbZ-nÌ EH$ g§nyU© Ed§ {Zînj VwbZ-nÌ h¡, {Og‘| g^r Amdí`H$ {ddaU g‘m{hV h¢, H$mo g‘w{MV VarHo$ go V¡`ma {H$`m J`m h¡ Vm{H$ ^maV ‘| gm‘mÝ`V`m ñdrH$m`© boIm§H$Z {gÕmÝVm|§ Ho$ AZwê$n {XZm§H$ 31 ‘mM©, 2015 H$mo ~¢H$ Ho$ {H«$`mH$bmnm| H$m ghr Ed§ {Zînj {MÌU àX{e©V {H$`m Om gHo$.

(ii) ‘hËdnyU© boIm§H$Z Zr{V`m| Ed§ CZ na {Q>ßn{U`m| Ho$ gmW n{R>V bm^-hm{Z ImVm ^maV ‘| gm‘mÝ`V`m ñdrH$m`© boIm§H$Z {gÕmÝVm|§ Ho$ AZwê$n Cg df© H$da {H$ò JE boIm| ‘| eof bm^ H$s ghr pñW{V Xem©Vm h¡, Ed§

(iii) ZH$X àdmh {ddaUr Cg VmarI H$mo g‘má df© Ho$ {bE ghr Ed§ {Zînj ZH$X àdmh H$mo àX{e©V H$aVr h¡.

AÝ` d¡Ym{ZH$ Ed§ {d{Z`m‘H$ AnojmAm| na [anmoQ>©§

7. VwbZ-nÌ VWm bm^ Ed§ hm{Z ImVm, ~¢qH$J {d{Z`‘ A{Y{Z`‘, 1949 H$s Vrgar AZwgyMr Ho$ H«$‘e: ’$m°‘© E Ed§ ’$m°‘© ~r ‘| V¡`ma {H$ò JE h¢.

8. Cn`wº$ n¡am 1 go 5 ‘| {Z{X©ï> boIm narjm gr‘mAm| Ho$ AYrZ Ed§ ~¢qH$J H§$nZr (CnH«$‘m| H$m A{YJ«hU Ed§ A§VaU) A{Y{Z`‘, 1970 VWm CZ‘| Ano{jV àH$Q>rH$aU H$s gr‘mAm| Ho$ AYrZ h‘ [anmoQ>© H$aVo h¢ {H$:

(E) h‘Zo CZ g^r gyMZmAm| Ed§ ñnïrH$aUm| H$mo àmá {H$`m h¡, Omo h‘mar gdm}Îm‘ OmZH$mar Ed§ {dœmg ‘| h‘mar boIm narjm Ho$ {bE Amdí`H$ Wo VWm do g§VmofàX nmE JE.

(~r) h‘mao g§kmZ ‘| AmE ~¢H$ Ho$ boZXoZ ~¢H$ H$s e{º$`m| Ho$ A§VJ©V hþE h¢.

(gr) à~§YV§Ì Ûmam àñVwV gyMZmAm| Ho$ gmW ~¢H$ H$s emImAm| Ed§ H$m`m©b`m| go àmá {dda{U`m| H$mo h‘mar boIm narjm Ho$ CÔoí` go n`m©á nm`m J`m.

44


9. h‘mar am` ‘| VwbZ-nÌ, bm^-hm{Z ImVm Ed§ ZH$X àdmh {ddaUr bmJy boIm§H$Z ‘mZH$m| H$m nmbZ H$aVo h¢.


E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$. gZXr boImH$ma

E’$.Ama.Z§.-004135Eg

H¥$Vo XÿJ‹S> EÊS> Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000561EZ

(grE Ama.Ho$. AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510

(grE lrJmonmb BÝZmZro) ^mJrXma

gXñ`Vm g§. 210087


gXñ`Vm g§. 081810

H¥$Vo EZ. gaH$ma EÊS H§$. gZXr boImH$ma

E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 321095B©

H¥$Vo M§Xm^m°¶ EÊS Oñgy^m°¶ gZXr boImH$ma

E’$.Ama.Z§. 101647S>ãë¶y


gXñ`Vm g§. 012940

(grE ~r.EZ. {‘lm) ^mJrXma

gXñ`Vm g§. 083927


gXñ`Vm g§. 049289

ñWmZ : ‘wå~B©{XZm§H$ : 12 ‘B©, 2015

45


g§{já {dÎmr¶ {ddaUr na boIm narjH$m| H$s [anmoQ>©

‘o. Hw$‘ma Mmon‹S>m EÊS>> Egmo{eòQ²g ~r-12 (^yVb) H$m{bÝXr H$m°bmoZr, ‘hmamZr ~mJ Ho$ nmg ZB© {X„r 110 065

‘o. nr.Ho$. gw~«‘{U`‘ EÊS> H§$. 11-5-23, H$m{V©H$ H$m°ånboŠg {dO`m ~¢H$ Ho$ D$na, ~«oñR>dmanoR> am`Mya - 584 101, H$Zm©Q>H$.

‘o. XÿJ‹S> EÊS>> Egmo{eòQ²g 13, H$å`w{ZQ>r g|Q>a, B©ñQ> Am°’$ H¡$bme ZB© {X„r 110 065

‘o. EZ.gaH$ma EÊS> H§$. 21, à’w$„ gaH$ma ñQ´rQ> {×Vr` Vb H$mobH$mVm 700 072 n{ü‘ ~§Jmb

‘o. ~r.EZ. {‘lm EÊS> H§$. Eg-29, ‘¡Ìr {dhma, ’o$O-II gË`‘ S>odbn‘|Q> g|Q>a Ho$ gm‘Zo ^wdZoœa - 751 023 AmoS>rgm

‘o. M§Xm^m°¶ EÊS>> Oñgy^m°¶ 208 ’$s{Z³g hmCg, E qdJ, 462 goZmn{V ~mnQ> ‘mJ©, bmoAa naob ‘wå~B© - 400013 ‘hmamï´>

goÝQ´²>b ~¢H$ Am°’$ B§{S>`m Ho$ gXñ¶JUh‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m ("{X ~¢H$') Ho$ {XZm§H$ 31 ‘mM©, 2015 Ho$ g§b¾ g§{já VwbZnÌ VWm Bg VmarI H$mo g‘má df© Ho$ g§{já bm^ Ed§ hm{Z ImVm VWm ZH$X àdmh {ddaU VWm CZ na {Q>ßn{U`m| (BgHo$ ~mX BÝh| g§{jßV {dÎmr` {dda{U`m§ Ho$ Zm‘ go g§X{^©V {H$`m J`m h¡) H$s Om§M H$s h¡.

~¢H$ Ûmam ò g§{já {dÎmr` {dda{U`m§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ho$ nÌm§H$ E’$Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢ VWm ò {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE ~¢H$ H$s boImnar{jV {dÎmr` {dda{U`m| na AmYm[aV h¢, Omo ~¢H$H$mar {d{Z`‘Z A{Y{Z`‘, 1949 H$s Ymam 29 Ho$ àmdYmZm| Ho$ AZwê$n V¡`ma H$s JB© h¢ Am¡a h‘mao ñdV§Ì boImnarjH$m| H$s g§b¾ [anmoQ>© {XZm§H$ 12 ‘B©, 2015 ‘| H$da H$s JB© h¡.


E’$.Ama.Z§. 000131EZ

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E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510


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gXñ`Vm g§. 083927


gXñ`Vm g§. 049289

ñWmZ : ‘wå~B©{XZm§H$ : 12 ‘B©, 2015

46


{XZm§H$ 31 ‘mM©, 2015 H$mo goÝQ´>b ~¢H$ Am°µ’$ B§{S>¶m H$m g§{já VwbZ-nÌ

(am{e bmI ‘|){ddaU 31 ‘mM©, 2015 H$mo

(dV©‘mZ df©)31 ‘mM©, 2014 H$mo

(JV df©)ny§Or Ed§ Xo¶VmE§ny§Or 165,827.32 296,743.93àma{jV {Z{Y¶m± Ed§ Am{Y³¶gm§{d{YH$ àma{jV {Z{Y`m 206,359.79 191,198.79ny§OrJV àma{jV {Z{Y`m§ (ZmoQ> 1) 235,509.86 232,722.89eo`a àr{‘`‘ 995,540.23 743,838.93amOñd Ed§ AÝ` àma{jV {Z{Y`m§ 234,731.30 234,731.30Am`H$a A{Y{Z`‘ Ho$ 36 (1)(viii) Ho$ A§VJ©V {deof àma{jV {Z{Y`m§ 10,000.00 10,000.00bm^ Ed§ hm{Z ImVo ‘| eof am{e (102,277.26) (130,380.08)Hw$b 1,579,863.91 1,282,111.83

O‘mam{e`m§‘m§J O‘mam{e`m§ 1,320,243.00 1,353,698.53~MV ~¢H$ O‘mam{e`m§ 7,380,988.98 6,647,374.61gmd{Y O‘mam{e`m§ 16,856,007.51 16,005,825.73Hw$b 25,557,239.49 24,006,898.87

CYma am{e`m§1. ^maV ‘| CYma am{e`m§(E) ^maVr` [aµOd© ~¢H$ 1,420,712.41 633,898.35(~r) AÝ` ~¢H$ - 319.04(gr) AÝ` g§ñWmZ Ed§ EOopÝg`m§ 376,795.94 426,740.21(S>r) AZa{jV à{VXo` ~m°ÝS²g (Jm¡U F$U) 243,730.00 263,730.00(B©) Ana {Q>`a II ~m°ÝS²g 288,500.00 288,500.00(E’$) ZdmoÝ‘of ~o{‘`mXr F$U {bIV 108,300.00 108,300.00(Or) AZa{jV nwZ‘m}MZr` EZgr ~mgb III ~m°ÊS²g 100,000.00 100,000.00

2. ^maV Ho$ ~mha CYma am{e`m§ 59,375.00 386,490.00Hw$b (1 Ed§ 2) 2,597,413.35 2,207,977.60

AÝ` Xo`VmE§ Ed§ àmdYmZ^wJVmZ¶mo½¶ {~b 86,827.60 76,552.24A§Va-H$m`m©b` g‘m`moOZ (ewÕ)Cn{MV ã`mO 155,192.33 166,092.09‘mZH$ AmpñV`m| hoVw àmdYmZ - 65,793.78AmñW{JV H$a Xo`Vm (ewÕ) 11,001.00 59,660.00AÝ` 1,040,684.88 787,792.10Hw$b 1,293,705.81 1,155,890.21

Hw$b ny§Or Ed§ Xo`VmE§ 31,194,049.88 28,949,622.44

47



(am{e bmI ‘| ){ddaU 31 ‘mM©, 2015 H$mo

(dV©‘mZ df©)31 ‘mM©, 2014 H$mo

(JV df©)ApñV`m§^maVr` [aµOd© ~¢H$ Ho$ nmg ZH$Xr Ed§ eof am{e 1,411,484.87 1,192,662.93~¢H$m| ‘| O‘mam{e`m§ Ed§ ‘m§J d Aën gyMZm na am{e ^maV Ho$ ~¢H$m| ‘| nmg eof am{e 30,449.94 26,045.09^maV ‘| ‘m§J d Aën gyMZm na am{e 20,000.00 - ^maV Ho$ ~mha eof am{e`m§ 19,093.49 19,095.28 Hw$b 69,543.43 45,140.37{Zdoe 1. ^maV ‘|

(E) gaH$mar à{V^y{V`m§ 7,541,014.88 6,789,112.10(~r) AÝ` AZw‘mo{XV à{V^y{V`m§ - - (gr) eo`g© 128,344.62 140,055.81 (S>r) {S>~|Ma Ed§ ~m§S²g 1,004,543.77 981,904.67 (B©) AZwf§{J`m| Ed§ / AWdm g§¶w³V CÚ‘ 30,399.87 30,399.87(E’$) AÝ` 838,339.84 671,975.60

2. ^maV Ho$ ~mha 4,748.85 65.94Hw$b (1 Ed§ 2) 9,547,391.83 8,613,513.99A{J«‘1. ^maV ‘|

(E) IarXo JE Ed§ ^wZmE JEo {~b 209,532.33 223,493.15 (~r) ZH$X CYma, Amoda S´mâQ> Ed§ ‘m§J na à{VXo` F$U 7,284,969.13 6,667,215.79(gr) ‘r`mXr F$U 11,353,251.79 10,840,808.23

2. ^maV Ho$ ~mha - - Hw$b (1 Ed§ 2) 18,847,753.25 17,731,517.17AMb AmpñV`m§ 283,316.15 280,438.93AÝ` AmpñV`m§A§Va H$m`m©b` g‘m`moOZ (ewÕ) 353,964.76 308,897.55 Cn{MV ã`mO 183,977.19 175,750.83A{J«‘ H$a ^wJVmZ/òmoV na H$mQ>m J`m H$a 303,929.28 284,997.10AmñW{JV H$a AmpñV`m§ (ewÕ) - - Xmdm| H$s g§Vw{ï> ‘| àmá H$s JB© J¡a-~¢qH$J AmpñV`m§ - - ñQ>oeZar Ed§ ñQ>mån 1,862.36 1,779.97 AÝ` 190,826.76 314,923.60Hw$b 1,034,560.35 1,086,349.05Hw$b AmpñV`m§ 31,194,049.88 28,949,622.44

48




(dV©‘mZ df©)31 ‘mM©, 2014 H$mo

(JV df©)AmH$pñ‘H$ Xo`VmE§~¢H$ Ho$ {dê$Û Xmdo, {OÝh| F$U Ho$ ê$n ‘| Zht ‘mZm J`m h¡. 10,942.50 11,963.46 Anrb, g§emoYZ Am{X Ho$ A§VJ©V {ddm{XV Am`H$a ‘m§J 181,340.88 140,058.95~H$m`m dm`Xm {dXoer ‘wÐm g§{dXmAm| Ho$ H$maU Xo`Vm 6,677,461.78 6,406,023.89 J«mhH$m| H$s Amoa go àXËV Jma§Q>r 1,150,783.62 1,090,367.93 ñdrH¥${V`m§, n¥îR>m§H$Z VWm AÝ` Xm{`Ëd 991,238.33 1,123,326.17 AÝ` ‘X|, {OZHo$ {bE ~¢H$ AmH$pñ‘H$ ê$n go XoZXma h¡ 77,500.00 83,511.07Hw$b 9,089.267.11 8,855,251.47

g§J«hU hoVw {~b 110,608,049.00 767,173.57

ZmoQ> 1 … é. 181416.00 (JV df© é. 184012.04) Ho$ nyZ‘y©ë¶m§H$Z àma{jV {Z{Y g{hV

49


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m H$m g§{já bm^-hm{Z ImVm


g‘mßV df© Ho$ {bE (dV©‘mZ df©)

31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ {bE

(JV df©)Am`A{O©V ã`mOA{J«‘m|/{~bm| na 1,951,728.25 1,861,999.27{Zdoem| na 670,705.68 576,385.23^maVr` [aOd© ~¢H$ Ed§ AÝ` A§Va-~¢H$ {Z{Y`m| ‘| eof am{e na 3,146.08 3,283.88AÝ` 15,297.93 1,086.59Hw$b 2,640,877.94 2,442,754.97AÝ` Am`H$‘reZ, {d{Z‘` Ed§ Xbmbr 87,725.69 82,167.12{Zdoem| H$s {~H«$s na ewÕ bm^ 61,765.83 45,536.69^y{‘, ^dZm| Ed§ AÝ` AmpñV`m| H$s {~H«$s go ewÕ bm^ (64.30) (119.30){dZ‘` boZ XoZm| na ewÕ bm^ 20,202.68 19,872.37^maV/{dXoe ‘| AZwf§Jr H§$n{Z`m| Ed§/AWdm g§ wº$ CÚ‘m| go bm^m§e BË`m{X Ho$ Ûmam Am` 341.50 278.50{d{dY Am` 19,451.75 44,522.67Hw$b 189,423.15 192,258.05Hw$b Am` 2,830,301.09 2,635,013.02ì``àXÎm ã`mOO‘mam{e`m| na 1,752,030.52 1,637,456.53^maVr` [aOd© ~¢H$ / A§Va ~¢H$ CYma am{e`m| na 34,784.63 38,088.35AÝ` 129,355.90 117,771.58Hw$b 1,916,171.05 1,793,316.46n[aMmbZ ì``H$‘©Mm[a`m| H$mo ^wJVmZ Ed§ CZHo$ {bE àmdYmZ 382,493.98 353,700.97{H$am`m, H$a Ed§ {~Obr 36,790.08 33,356.13‘wÐU Ed§ boIZgm‘J«r 5,012.51 4,718.32{dkmnZ Ed§ àMma- àgma 2,544.25 2,654.35~¢H$ H$s g§n{Îm na ‘yë`õmg 22,924.21 20,854.74{ZXoeH$m| H$s ’$sg, ^Îmo Ed§ IM] 73.58 89.81boImnarjH$m| H$s ’$sg Ed§ IM} (emIm boImnarjH$m| g{hV) 2,243.76 1,734.54{d{Y à^ma 1,948.71 1,848.23S>mH$, Vma, Q>obr’$moZ BË`m{X 6,516.28 5,285.37‘aå‘V Ed§ aIaImd 7,438.99 5,876.88~r‘m 24,455.02 19,612.64AÝ` 65,776.55 68,161.56Hw$b 558,217.92 517,893.54

50



g‘mßV df© Ho$ {bE (dV©‘mZ df©)

31 ‘mM©, 2014 H$mo g‘mßV df© Ho$ {bE

(JV df©)àmdYmZ Ed§ AmH$pñ‘H$VmE§{Zdoem| Ho$ Ad‘yë`Z na àmdYmZ (1,855.77) 25,655.74J¡a {Zînm{XV AmpñV`m| hoVw àmdYmZ 206,214.98 329,201.15‘mZH$ AmpñV`m| hoVw àmdYmZ 3,901.84 (734.36)AÝ` (Am`H$a N>mo‹S>H$a ) 58,621.65 69,143.02Hw$b 266,882.70 423,265.55Hw$b ì`` Ed§ àmdYmZ 2,741,271.67 2,734,475.55

H$a nyd© bm^/(hm{Z) 89,029.42 (99,462.53)

Mmby H$a - -AmñW{JV H$a 28,384.60 26,821.66

H$a nümV bm^/(hm{Z) 60,644.82 (126,284.19)

bm^/hm{Z AmJo bo Om`m J`m (130,380.08) 157.79

Hw$b (69,735.26) (126,126.40)

{d{Z`moOZ{ZåZ H$mo A§V[aV :gm§d{YH$ àma{jV 15,161.00 -{Zdoe àma{jV 5,383.00 4,253.68H$‘©Mmar H$ë`mU {Z{Y 1,819.00 -amOñd àma{jV - -àñVm{dV bm^m§e - A{Y’mZr ny§Or - -àñVm{dV bm^m§e - B{¹$Q>r ny§Or 8,291.00 -~r‘m Ho$ ~Xbo {Z{Y 200.00 -bm^m§e H$a 1,688.00 -VwbZnÌ ‘| bo Om`m J`m eof 28,102.82 (130,380.08)

(Ama.gr. bmo‹T>m) H$m`©nmbH$ {ZXoeH$

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lr‘Vr EZ.Eg. aËZà^m Eg.~r. amoSo> Jwa~»e Hw$‘ma Omoer {ZXoeH$ {ZXoeH$ {ZXoeH$

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51



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E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510


gXñ`Vm g§. 210087


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E’$.Ama.Z§. 321095B©


E’$.EZ.Z§. 101647 S>ãë¶y


gXñ`Vm g§. 012940


gXñ`Vm g§. 083927


gXñ`Vm g§. 049289

Bg {XZm§H$ H$mo h‘mar [anmoQ>© Ho$ AZwgma

ñWmZ : ‘wå~B©{XZm§H$: 12 ‘B©, 2015

52


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°’$ B§{S>`m H$s g§{já {dÎmr` {dda{U`m| na {Q>ßn{U`m§

1. V¡`ma H$aZo H$m AmYma :

{XZm§H$ 31 ‘mM©, 2015 H$mo g‘mßV df© Ho$ {bE ~¢H$ H$s boImnar{jV ñQ>¡ÊS>AbmoZ {dËVr` {dda{U`m| Ho$ AmYma na g§{jßV {dËVr` {dda{U`m§ h¢ (BgHo$ ~mX BÝh| "dm{f©H$ ñQ>¡ÊS>AbmoZ {dËVr` {dda{U`m§' Ho$ Zm‘ go g§X{^©V {H$`m J`m h¡) {dËV ‘§Ìmb`, ^maV gaH$ma Ho$ nÌm§H$ E’$Z§.7/116.2012-~rAmoE {XZm§H$ 1 AJñV, 2012 H$s A{YgyMZm Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢.

2. ‘hËËdnyU© boIm§H$Z Zr{V`m§:

~¢H$ H$s ‘hËËdnyU© boIm§H$Z Zr{V`m§ "dm{f©H$ ñQ>¡ÊS>AbmoZ {dËVr` {dda{U`m§' H$s AZwgyMr 17 ‘| g{Þ{hV h¢.

3. boIm| Ed§ AÝ` àH$Q>rH$aU go g§~§{YV {Q>ßn{U`m§: boIm| Ed§ AÝ` àH$Q>rH$aU go g§~§{YV {Q>ßn{U`m§ dm{f©H$ ñQ>¡ÊS>AbmoZ {dËVr` {dda{U`m| H$s AZwgyMr 18 ‘| Xr JB© h¢. VWm{n, Ohm§

boIm§H$Z Zr{V`m| ‘| n[adV©Z h¡ AWdm Ohm§ boImnarjH$ H$s [anmoQ>© ‘| A{V[aŠV gyMZmE§ AWdm Ü`mZ AmH${f©V H$aVr hm|, dhm§ H$moB© {Q>ßnUr Ed§ àH$Q>rH$aU Zht h¡.


(~r.Ho$. {XdmH$a)H$m`©nmbH$ {ZXoeH$

(Ama.Ho$.Jmo`b)H$m`©nmbH$ {ZXoeH$

(amOrd G${f)AÜ`j Ed§ à~§Y {ZXoeH$

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Jwa~»e Hw$‘ma Omoer{ZXoeH$

ñWmZ : ‘wå~B©{XZm§H$: 12 ‘B©, 2015

53


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© H$s ZH$X àdmh {ddaUr

(én¶o H$amoS ‘|)H«$.g§. {ddaU 31- 03- 2015 31- 03- 2014E n[aMmbZ J{V{d{Y`m| go ZH$X àdmh

H$a nyd© ewÕ bm^ 890.40 (994.55)I Ho$ g‘m`moOZ hoVw :

AMb AmpñV`m| na ‘yë`õmg 229.24 208.55{Zdoem| na ‘yë`õmg (n[anŠd {S>~|Mam| g{hV) (18.56) 256.56J¡a {ZînmXZ AmpñV`m| Ho$ ‘m‘bm| ‘| AemoÜ` H$O© An{bpIV H$O© 2,062.15 3,292.01‘mZH$ AmpñV`m| Ho$ {bE àmdYmZ 586.95 689.57AÝ` ‘Xm| Ho$ {bE àmdYmZ (ewÕ) 38.18 (5.57)Am`H$a na ã`mO (ewÕ) - (10.87)AMb AmpñV`m| H$s {~H«$s na bm^/hm{Z (ewÕ) 0.64 1.19Jm¡U F$U na ã`mO Ho$ {bE ^wJVmZ/àmdYmZ (n¥WH$ go {H$¶m J¶m) 696.03 642.26AZwf§{J`m| go àmá bm^m§e (3.42) (2.79)OoEZdmB© Hy$nZ na ã`mO - 5.17Cn-`moJ 4,481.61 4,081.53

II Ho$ g‘m`moOZ hoVw :O‘m ‘| d¥{Õ/(H$‘r) 15,503.40 14,030.67CYmam| ‘| d¥{Õ/(H$‘r) 3,894.35 3,774.26AÝ` Xo`VmAm| Ed§ àmdYmZm| ‘| d¥{Õ/(H$‘r) 1,744.77 3,285.57A{J«‘m| ‘| (d¥{Õ)/H$‘r (13,811.46) (9,360.91){Zdoem| ‘| (d¥{Õ)/H$‘r (9,273.39) (13,777.91)AÝ` AmpñV`m| ‘| (d¥{Õ)/H$‘r 669.03 (3,355.52)àË`j H$am| H$m ^wJVmZ (dmngr H$m ewÕ Am{X ) (959.85) (700.54)Cn-`moJ (2,233.15) (6,104.37)

n[aMmbZ J{V{d{Y`m| go ewÕ ZH$X àdmh (E) 2,248.46 (2,022.84)~r {Zdoe J{V{d{Y`m| go ZH$X àdmh

AMb AmpñV`m| H$s {~H«$s/{ZnQ>mZ 815.15 49.45AMb AmpñV`m| H$s IarX (1,099.77) (405.01)gh`moJr/AZwf§{J`m| go àmá bm^m§e 3.42 2.79gh`moJr/AZwf§{J`m| ‘| {Zdoe (46.83) (10.00){Zdoe J{V{d{Y`m| go ewÕ ZH$X àdmh (328.03) (362.77)

gr {dÎmnmofU J{V{d{Y`m| go ZH$X àdmheo`a ny§Or 1,207.85 1,799.99Jm¡U F$U H$s àmpßV`m§ /nwZ: àmpßV {Q>`a II ny§Or - -A§V[a‘ bm^m§e g{hV BpŠdQ>r eo`g© bm^m§e - (411.64)bm^m§e H$a - (69.49)OoEZdmB© ñd¡n Hy$nZ na ã`mO - (5.17)Jm¡U H$O© na ã`mO (696.03) (642.26)

{dÎmnmofU J{V{d{Y`m| go ewÕ ZH$X àdmh 511.82 671.43

54


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© H$s ZH$X àdmh {ddaUr

(én¶o H$amoS ‘|)H«$.g§. {ddaU 31- 03- 2015 31- 03- 2014S>r ZH$X Ed§ ZH$X Vwë` (E+~r+gr ) `m (E’$ -B©) ‘| ewÕ d¥pÜX 2,432.25 (1,714.17)B© df© Ho$ àma§^ ‘| ZH$X VWm ZH$X Vwë`

ZH$X Ed§ ^m[a~¡ ‘| eof 11,926.63 13,560.17~¢H$m| ‘| eof VWm ‘m§J Ed§ Aën gyMZm na YZ 451.40 532.04

df© Ho$ àma§^ ‘| ewÕ ZH$X VWm ZH$X Vwë` 12,378.03 14,092.21E’$ df© H$s g‘m{á ‘| ZH$X Ed§ ZH$X g‘H$j

ZH$X Ed§ ^m[a~¡ ‘| eof 14,114.85 11,926.63 ~¢H$m| ‘| eof VWm ‘m§J Ed§ Aën gyMZm na YZ 695.43 451.40

df© Ho$ A§V ‘| ewÕ ZH$X VWm ZH$X g‘H$j 14,810.28 12,378.03






E’$.Ama.Z§. 000131EZ


E’$.Ama.Z§.-004135Eg


E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510


gXñ`Vm g§. 210087


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©


E’$.Ama.Z§. 321095B©


E’$.EZ.Z§. 101647 S>ãë¶y


gXñ`Vm g§. 012940


gXñ`Vm g§. 083927


gXñ`Vm g§. 049289

ñWmZ : ‘wå~B©{XZm§H$: 12 ‘B©, 2015

55


Hw$‘ma MmonS>m EÊS> Egmo{eEQ²g~r-12, ^yVbH$m{bÝXr H$m°bmoZrZB© {Xëbr - 110 065

nr.Ho$. gw~«‘{U`‘ EÊS> H§$.11-5-23, H$m{V©H$ H$m°ånboŠg{dO`m ~¢H$ Ho$ D$na ~«oñR>dman}Q>am`Mya -584 101 H$Um©Q>H$

XyJ‹S> EÊS> Egmo{eEQ²g13, H$å`w{ZQ>r g|Q>a,B©ñQ> Am°’$ H¡$bmeZB© {Xëbr - 110 065

EZ.gaH$ma EÊS> H§$.21, à’w$„ gaH$ma ñQ´rQ>{×Vr` VbH$mobH$mVm 700 072n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS> H§$.Eg-29, ‘¡Ìr {dhma, ’o$g IIgË`‘ S>dbn‘|Q> g|Q>a Ho$ gm‘Zo^wdZoœa - 751 023Amo{S>gm

M§Xm^m°` EÊS> Oñgy^m°`208, ’$s{ZŠg hmCg, E qdJ,462, goZmn{V ~mnQ> ‘mJ©, bmoAa naob,‘wå~B© 400013‘hmamï´>

g‘o{H$V {dËVr` {dda{U`m| na ñdV§Ì boIm narjH$m| H$s [anmoQ>©à{V,

goÝQ´b ~¢H$ Am°’$ B§{S>`m H$m {ZXoeH$ ‘§S>b :

1. h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m (X ~¢H$), BgH$s AZwf§{J`m| Am¡a Egmo{eEQ²g (gm‘y{hH$ ê$n go BÝh| g‘yh Ho$ ê$n ‘| g§~mo{YV {H$`m J`m h¡) Ho$ g‘o{H$V {dËVr` {dda{U¶m|, {OZ‘| {XZm§H$ 31 ‘mM©, 2015 H$m g‘o{H$V VwbZ-nÌ VWm Bg VmarI H$mo g‘mßV df© Ho$ {bE g‘o{H$V bm^-hm{Z ImVm Ed§ g‘o{H$V ZH$X àdmh {ddaUr Ed§ à‘wI boIm§H$Z Zr{V`m§ Ed§ AÝ` ì`m»`mË‘H$ gyMZmE§ em{‘b h¢, H$m boIm narjU {H$`m h¡, {OZ‘| {ZåZ{bpIV g‘m{hV h¡ :

(i) h‘mao Ûmam boImnar{jV goÝQ´b ~¢H$ Am°’$ B§{S>`m (X ~¢H$) Ho$ boImnar{jV boIo.

(ii) AÝ` boIm narjH$m| Ûmam BgH$s 2 AZwf§{J`m|, Ed§ 3 joÌr` J«m‘rU ~¢H$m|, Omo g^r AÝ` boImH$mam| ×mam boIm§{H$V hþE h¡.

(iii) Zm¡ ‘mh H$s Ad{Y Ho$ {bE Egmo{eEQ²g H$m AÝ` boImH$ma ×mam boIm§{H$V VWm 31 ‘mM©, 2015 H$mo g‘má {V‘mhr Ho$ {bE Cº$ Egmo{eEQ²g H$m AboIm§{H$V boIo.

g‘o{H$V {dËVr` {dda{U`m| Ho$ {bE à~§YV§Ì H$m Xm{`Ëd

2. à~§YV§Ì BZ g‘o{H$V {dËVr` {dda{U`m|, Omo g‘yh H$s g‘o{H$V {dËVr` pñW{V, g‘o{H$V {dËVr` H$m`©-{ZînmXZ Ed§ ZH$X àdmh H$m ghr Ed§ {Zînj {MÌU H$aVr h¢ VWm Omo ^maV ‘| gm‘mÝ`V: ñdrH$m`© boIm§H$Z Zr{V`m| Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢, {OZ‘| g‘o{H$V {dËVr` {ddaUm| Ho$ {Z‘m©U Ed§ àñVw{V go g§~§{YV Am§V[aH$ {Z`§ÌU H$s g§aMZm, {H«$`mÝd`Z Ed§ aIaImd g{Þ{hV h¡ VWm Omo EH$ ghr Ed§ {Zînj pñW{V àñVwV H$aVo h¢ VWm Omo {H$gr ^r àH$ma Ho$ H$nQ> AWdm Ìw{Q>de ‘hËdnyU© AnH$WZ go ‘wŠV h¡.

boIm narjH$m| H$m Xm{`Ëd

3.1 h‘mam Xm{`Ëd h‘mao Ûmam H$s JB© boIm narjm Ho$ AmYma na BZ g‘o{H$V {dËVr` {dda{U`m| na h‘mam A{^‘V ì`ŠV H$aZm h¡. h‘Zo h‘mar boIm narjm BÝñQ>rQ>çyQ> Am°’$ MmQ>©S©> AH$mCÝQ>oÝQ²g Am°’$ B§{S>`m Ûmam Omar boIm§H$Z ‘mZH$m| Ho$ AZwê$n H$s h¡. `o ‘mZH$ Anojm H$aVo h¢ {H$ h‘ Amdí`H$ Z¡{VH$Vm H$m AZwnmbZ H$aVo hþE boIm narjm H$mo Bg àH$ma gw{Z`mo{OV Am¡a g§nÝZ H$a| {H$ BZ g‘o{H$V {dËVr` {dda{U`m| Ho$ ghr Ed§ {H$gr ^r àH$ma Ho$ ‘hËdnyU© AnH$WZ go ‘wŠV hmoZo H$m g‘w{MV AmídmgZ {d{XV hmo gHo$.

3.2 EH$ boIm narjm ‘| do à{H«$`mE§ gpå‘{bV hmoVr h¡, {OZgo g‘o{H$V {dËVr` {dda{U`m| ‘| Xr JB© am{e`m§ Ed§ àH$Q>rH$aU Ho$ ~mao ‘| boImnar{jV gmú` àmßV {H$E Om gH|$. BZ à{H«$`mAm| H$m M`Z boIm narjH$ Ho$ {ZU©` na AmYm[aV hmoVm h¡, {Og‘| g‘o{H$V {dËVr` {dda{U`m| Ho$ ‘hËdnyU© AnH$WZ, Mmho Ìw{Q>de AWdm H$nQ>VmnyU© hm|, go hmoZo dmbr OmopI‘ H$m AmH$bZ ^r em{‘b hmoVm h¡. CZ OmopI‘m| Ho$ {ZYm©aU ‘|, boImnarjH$, àXÎm n[apñW{V`m| ‘| Cn`wº$ boImnarjm à{H«$`mAm| Ho$ {Z‘m©U hoVw, CZ g‘o{H$V {dÎmr` {dda{U`m| Ho$ {Z‘m©U Ed§ àñVwVrH$aU ‘| ~¢H$ H$s V¡`mar go g§~§{YV Am§V[aH$ {Z`§ÌUm| na ghr Ed§ {Zînj {MÌU àñVwV H$aVm h¡. bo{H$Z g‘yh H$s Am§V[aH$ {Z`§ÌU H$s à^m{dVm na am` ì`º$ H$aZo Ho$ CÔoí` Ho$ {bE Zht. EH$ boIm narjm ‘|, AnZmB© JB© Zr{V`m| H$s Cn`wŠVVm H$m AmH$bZ Ed§ à~§YV§Ì Ûmam {H$E JE boIm§H$Z AZw‘mZm| Ho$ Am¡{MË` Ho$ gmW-gmW, g‘o{H$V {dËVr` {dda{U`m| Ho$ g‘J« àñVw{VH$aU H$m ‘yë`m§H$Z ^r em{‘b hmoVm h¡.

56


3.3 h‘ {dídmg ì`ŠV H$aVo h¢ {H$ h‘mao Ed§ AÝ` boIm narjH$m| Ûmam àmßV boIm narjm gmú` g‘o{H$V {dda{U`m| na h‘mao boIm narjm A{^‘V H$mo AmYma àXmZ H$aZo Ho$ {bE n`m©ßV Ed§ Cn`wŠV h¢.

A{^‘V

4. h‘mar am` ‘| Ed§ h‘mar gdm}ËV‘ OmZH$mar Ho$ AZwgma h‘| {XE JE ñnîQ>rH$aUm| VWm AZwf§{J`m| d Egmo{eEQ²g H$s {dËVr` {dda{U`m| na AÝ` boIm narjH$m| H$s ZrMo Xr JB© [anmoQ>m] Ho$ AdbmoH$Z Ho$ AmYma na `o g‘o{H$V {dda{U`m§ ^maV ‘| gm‘mÝ`V`m ñdrH$m`© boIm§H$Z Zr{V`m| Ho$ AZwê$n EH$ ghr d {Zînj {MÌU àñVwV H$aVr h¢ :

(i) g‘o{H$V VwbZ-nÌ Ho$ ‘m‘bo ‘| {XZm§H$ 31 ‘mM©, 2015 H$mo g‘yh Ho$ {H«$`mH$bmnm| H$s pñW{V,

(ii) g‘o{H$V bm^-hm{Z ImVm Ho$ ‘m‘bo ‘| Cº$ VmarI H$mo g‘má df© Ho$ {bE bm^; Ed§

(iii) g‘o{H$V ZH$X àdmh {ddaUr Ho$ ‘m‘bo ‘| Cg VmarI H$mo g‘mßV df© Ho$ {bE ZH$X àdmh

{df` H$m ‘hËd

5. boIm§H$Z (EgE) 706 Ho$ ‘mZH$ na ‘mZH$ Ho$ AZwgma ""{df`dñVw n¡amJ«m’$ na h‘mar am`'' H$mo n[ad{V©V {H$E {~Zm, h‘ {ZåZmZwgma Ü`mZ AmH${f©V H$aVo h¢:

(i) goÝQ> ~¢H$ hmo‘ ’$mBZ|g {b. Zo dV©‘mZ df© Ho$ Xm¡amZ amï´>r` Amdmg ~¢H$ Ho$ n[anÌ g§. EZEM~r (EZ S>r)/ grAmaEg/Zr{V n[anÌ 65/2014-15 {XZm§H$ 22 AJñV, 2014 Ûmam Omar {Xem{ZX}em| Ho$ AZwnmbZ ‘| Am`H$a A{Y{Z`‘, 1961 H$s Ymam 36(I)(VIII) Ho$ A§VJ©V Amdmg {dÎm H§$n{Z`m| Ûmam aIo Om ahr {deof Ama{jV {Z{Y`m| na é. 3 H$amo‹S> H$s AmñW{JV H$a Xo`Vm g¥{OV H$s h¡.

(ii) goÝQ> ~¢H$ hmo‘ ’$mBZ¢g Ho$ boImnarjH$ Ûmam [anmoQ>© {H$`m J`m h¡ {H$ H§$nZr H$s Mmby Xo`VmE§ CgH$s Mmby n[ag§n{Îm`m| go A{YH$ hmo JB© h¡. Bg Ag§VwbZ na à~§YV§Ì Ûmam Ü`mZ {X`m OmZm Amdí`H$ h¡.

(iii) g‘o{H$V {dËVr` {dda{U`m|, {OZ‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V goÝQ´b ‘Ü` àXoe J«m‘rU ~¢H$ (grE‘nrOr~r) Ho$ é. 3.24 H$amo‹S> bm^ H$s {hñgoXmar em{‘b h¡. boImnarjH$ Zo EZnrE g§MbZ kmV H$aZo, Am`H$a, Q>rS>rEg, godmH$a VWm A§Va H$m`m©b` H$s ~H$m`m à{d{ï>`m| Ho$ g‘m`moOZ Ho$ g§~§Y ‘| àmdYmZ BË`m{X na Ü`mZ XoZo Ho$ {bE nwZ: AmJmh {H$`m h¡, {OgH$m grE‘nrOr~r H$s {dËVr` {dda{U`m| na n‹S>m à^md {ZYm©[aV Zht {H$`m Om gH$m h¡.

(iv) Bgr àH$ma, CËVa {~hma J«m‘rU ~¢H$ (`y~rOr~r) H$s g‘o{H$V {dËVr` {ddaUr ‘| em{‘b é. 35.46 H$amo‹S> H$s {hñgoXmar Ho$ ‘m‘bo ‘| boImnarjH$ Ho$ Am`H$a Ho$ àmdYmZ H$s Amoa Ü`mZ AmH${f©V {H$`m h¡, {OgHo$ `y~rOr~r H$s {dËVr` {dda{U`m| na n‹S>o à^md H$mo {ZYm©[aV Zht {H$`m Om gH$m h¡.

6. AÝ` ‘m‘bo

h‘Zo AJ«{bpIV {dËVr` {dda{U`m| H$s boIm narjm Zht H$s h¡ (i) Xmo AZwf§{J`m§, {OZH$s {dËVr` {dda{U`m| ‘| 31 ‘mM©, 2015 H$mo Hw$b AmpñV`m§ é.896.53 H$amo‹S> VWm Hw$b amOñd é.88.98 H$amo‹S> VWm Cg VmarI H$mo g‘mßV df© Ho$ {bE ewÕ ZH$X àdmh é.23.22 H$amo‹S> Xem©`m J`m h¡; VWm (ii) Egmo{eEQ²g (3 joÌr` J«m‘rU ~¢H$ Ed§ 1 AÝ` Egmo{eEQ>), {OZH$m Cg VmarI H$mo g‘mßV df© Ho$ {bE ewÕ bm^ é.173.76 H$amo‹S> (~¢H$ H$s {hñgoXmar é. 52.06 H$amo‹S>) Xem©`m J`m h¡. `o {dËVr` {dda{U`m§ AÝ` boIm narjH$m| Ûmam boIm nar{jV h¢ VWm {OZH$s [anmoQ>] h‘| à~§YV§Ì Ûmam CnbãY H$amB© JB© h¡ VWm h‘mar am` CZ AÝ` boIm narjH$m| H$s [anmoQ>m] na nyU©V: AmYm[aV h¡. Bg ‘m‘bo ‘| h‘mar [anmoQ>© gr{‘V Zht h¡.

H¥$Vo Hw$‘ma MmonS>m EÊS>> Egmo{eEQ²g H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$. H¥$Vo XyJS> EÊS> Egmo{eEQ²ggZXr boImH$ma gZXr boImH$ma gZXr boImH$ma

E’$. Ama. g§.000131EZ E’$Ama g§.004135Eg E’$. Ama. g§.000561EZ

(grE Ama.Ho$. AJ«dmb) (grE dram~mgZm Jm¡‹S>m) (grE ‘wHo$e Jmo`b)^mJrXma ^mJrXma ^mJrXma

gXñ`Vm g§.081510 gXñ`Vm g§.0208698 gXñ`Vm g§.081810

57


H¥$Vo EZ.gaH$ma EÊS> H§$. H¥$Vo ~r.EZ. {‘lm EÊS> H§$. H¥$Vo M§Xm^m°` EÊS> Oñgy^m°`gZXr boImH$ma gZXr boImH$ma gZXr boImH$ma

E’$. Ama. g§.301075B© E’$. Ama. g§.321095B© E’$. Ama g§.101647S>ãby

(grE Or. ‘wImonmÜ`m`) (grE ~r.EZ.{‘lm) (grE Aå~oe E. Xdo)^mJrXma ^mJrXma ^mJrXma

gXñ`Vm g§.010534 gXñ`Vm g§.083927 gXñ`Vm g§.049289

ñWmZ : {Xëbr{XZm§H$: 25 ‘B©, 2015

58


g§{já g‘o{H$V {dÎmr¶ {dda{U¶m| na boIm narjH$m| H$s [anmoQ>©

Hw$‘ma MmonS>m EÊS> Egmo{eEQ²g~r-12, ^yVbH$m{bÝXr H$m°bmoZrZB© {Xëbr - 110 065

nr.Ho$. gw~«‘{U`‘ EÊS> H§$.11-5-23, H$m{V©H$ H$m°ånboŠg{dO`m ~¢H$ Ho$ D$na ~«oñR>dman}Q>am`Mya -584 101 H$Um©Q>H$

XyJ‹S> EÊS> Egmo{eEQ²g13, H$å`w{ZQ>r g|Q>a,B©ñQ> Am°’$ H¡$bmeZB© {Xëbr - 110 065

EZ.gaH$ma EÊS> H§$.21, à’w$„ gaH$ma ñQ´rQ>{×Vr` VbH$mobH$mVm 700 072n{ü‘ ~§Jmb

~r.EZ. {‘lm EÊS> H§$.Eg-29, ‘¡Ìr {dhma, ’o$g IIgË`‘ S>dbn‘|Q> g|Q>a Ho$ gm‘Zo^wdZoœa - 751 023Amo{S>gm

M§Xm^m°` EÊS> Oñgy^m°`208, ’$s{ZŠg hmCg, E qdJ,462, goZmn{V ~mnQ> ‘mJ©, bmoAa naob,‘wå~B© 400013‘hmamï´>

à{V,

goÝQ´b ~¢H$ Am°’$ B§{S>`m Ho$ {ZXoeH$JU

h‘Zo goÝQ´b ~¢H$ Am°’$ B§{S>`m Ed§ BgH$s AZwf§{J`m| Ed§ gh`mo{J`m| (gm‘y{hH$ ê$n go BÝh| "g‘yh' Ho$ ê$n ‘| ‘mZm J`m h¡) Ho$ {XZm§H$ 31 ‘mM©, 2015 H$m g§{já g‘o{H$V VwbZnÌ VWm Bg VmarI H$mo g‘má df© Ho$ g§{já g‘o{H$V bm^ Ed§ hm{Z ImVm VWm g‘o{H$V ZH$X àdmh {ddaU VWm CZHo$ g§b½Z {Q>ßn{U`m| (BgHo$ ~mX BÝh| g§{já g‘o{H$V {dÎmr` {dda{U`m§ Ho$ Zm‘ go gå~mo{YV {H$`m J`m h¡) H$s Om§M H$s JB©.

~¢H$ Ûmam `o g§{já g‘o{H$V {dÎmr` {dda{U`m§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ho$ nÌm§H$ E’$Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 H$s A{YgyMZm Ho$ AZwgaU ‘| V¡`ma H$s JB© h¢ VWm {XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE "g‘yh' H$s boImnar{jV {dÎmr` {dda{U`m| na AmYm[aV h¢, B§pñQ>Q>çyQ> Am°’$ MmQ>S©> AH$mC§Q>oQ²g Am°’$ BpÊS>`m Ûmam Omar boIm§H$Z ‘mZH$ 21 "g‘o{H$V {dÎmr` {dda{U`m§' Ed§ boIm§H$Z ‘mZH$ 23 - "g‘o{H$V {dÎmr` {dda{U`m| ‘| Agmo{eEQ²g ‘| {Zdoem| H$m boIm§H$Z' H$s AnojmAm| Ho$ AZwê$n ~¢H$ Ûmam V¡`ma {H$E JE h¢ Am¡a {XZm§H$ 25 ‘B©, 2015 H$mo ~¢H$ Ho$ {ZXoeH$ ‘ÊS>b H$mo àñVwV h‘mar [anmoQ>© ‘| H$da {H$`m J`m h¡, Omo BgHo$ gmW g§b½Z h¡.

H¥$Vo Hw$‘ma Mmon‹S>m EÊS>> Egmo{eEQ²g gZXr boImH$ma

E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$.gZXr boImH$ma

E’$.Ama.Z§. -004135Eg

H¥$Vo XÿJ‹S> EÊS> Egmo{eEQ²ggZXr boImH$ma

E’$.Ama.Z§. 000561EZ


gXñ`Vm g§. 081510

(grE dram~mgZm Jm¡‹S>m) ^mJrXma

gXñ`Vm g§. 208698


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©

H¥$Vo ~r.EZ.{‘lm EÊS> H§$.gZXr boImH$ma

E’$.Ama.Z§. 321095B©

H¥$Vo M§Xm^m°` EÊS>> Oñgy^m°` gZXr boImH$ma

E’$.EZ.Z§. 101647S>ãë`y

(grE Or. ‘wImonmÜ`m`) ^mJrXma

gXñ`Vm g§. 010534

(grE ~r.EZ.{‘lm) ^mJrXma

gXñ`Vm g§. 083927


gXñ`Vm g§. 049289

ñWmZ : {Xëbr {XZm§H$ : 25 ‘B©, 2015

59


{XZm§H$ 31 ‘mM©, 2015 H$mo goÝQ´>b ~¢H$ Am°µ’$ B§{S>¶m H$m g§{já g‘o{H$V VwbZ-nÌ


(dV©‘mZ df© )31 ‘mM©, 2014 H$mo

(JV df© )ny§Or Ed§ Xo¶VmE§ny§Or 165,827.32 296,743.93àma{jV {Z{Y¶m§ Ed§ Am{Y³¶ am{egm§{d{YH$ àma{jV {Z{Y`m§ 207,491.31 192,330.31ny§OrJV àma{jV {Z{Y`m§ (ZmoQ> 1) 235,509.86 232,722.90eoà àr{‘`‘ 995,540.23 743,838.93amOñd Ed§ AÝ` àma{jV {Z{Y`m§ 231,958.83 231,865.83Am`H$a A{Y{Z`‘ Ho$ 36 (1)(viii) Ho$ A§VJ©V {deof àma{jV {Z{Y`m§ 11,067.37 10,705.17bm^ Ed§ hm{Z ImVo ‘| eof am{e (73,898.09) (107,187.33)Hw$b 1,607,669.51 1,304,275.81

‘mBZm°[aQ>r B§Q>aoñQ> 3,273.08 3,081.98O‘mam{e`m§‘m§J O‘mam{e`m§ 1,319,234.56 1,352,775.27~MV ~¢H$ O‘mam{e`m§ 7,380,988.98 6,647,374.61gmd{Y O‘mam{e`m§ 16,893,936.38 16,034,302.73Hw$b 25,594,159.92 24,034,452.61CYma am{e`m§1. ^maV ‘| CYma am{e`m§(E) ^maVr` [aµOd© ~¢H$ 1,420,712.41 633,898.35(~r) AÝ` ~¢H$ - 319.04(gr) AÝ` g§ñWmZ Ed§ EOopÝg`m§ 389,341.32 432,518.08(S>r) AZma{jV à{VXo` ~m°ÝS²g (Jm¡U F$U) 243,630.00 263,630.00(B©) Ana {Q>à II ~m°ÝS²g 288,500.00 288,500.00(E’$) ZdmoÝ‘of ~o{‘`mXr F$U {bIV 108,300.00 108,300.00(Or) Agwa{jV nwZ‘m}MZr` EZgr ~mgb III ~m°ÊS²g ({Q>à II) 100,000.00 100,000.00

2. ^maV Ho$ ~mha CYma am{e`m§ 59,375.00 386,490.00Hw$b (1 Ed§ 2) 2,609,858.73 2,213,655.47AÝ` Xo`VmE§ Ed§ àmdYmZ^wJVmZ¶mo½¶ {~b 86,827.60 76,552.24A§Va-H$m`m©b` g‘m`moOZ (ewÕ)Cn{MV ã`mO 155,447.30 166,100.29‘mZH$ AmpñV`m| hoVw àmdYmZ 58,713.00 66,039.66AmñW{JV H$a Xo`Vm (ewÕ) 11,027.16 59,667.07AÝ` 983,777.61 788,895.30Hw$b 1,295,792.67 1,157,254.56

Hw$b ny§Or Ed§ Xo`VmE§ 31,276,581.23 29,009,464.36

60




(dV©‘mZ df© )31 ‘mM©, 2014 H$mo

(JV df© )ApñV`m§^maVr` [aµOd© ~¢H$ Ho$ nmg ZH$Xr Ed§ eof am{e 1,411,637.43 1,192,663.08 ~¢H$m| ‘| O‘mam{e`m§ Ed§ ‘m§J d Aën gyMZm na am{e ^maV ‘| ~¢H$m| Ho$ nmg eof am{e 33,072.00 26,873.26 ^maV ‘| ‘m§J d Aën gyMZm na am{e 20,000.00 - ^maV Ho$ ~mha eof am{e`m§ 19,093.49 19,095.28 Hw$b 72,165.49 45,968.54 {Zdoe 1. ^maV ‘|

(E) gaH$mar à{V^y{V`m§ 7,541,578.78 6,789,466.02 (~r) AÝ` AZw‘mo{XV à{V^y{V`m§ - - (gr) eo`g© 128,344.62 140,055.81 (S>r) {S>~|Ma Ed§ ~m§S²g 1,004,543.77 981,904.67 (B©) AZwf§{J`m| ‘| {Zdoe 41,574.19 37,532.27 (E’$) AÝ` 838,339.86 671,975.62

2. ^maV Ho$ ~mha 11,154.34 5,306.04 Hw$b (1 Ed§ 2) 9,565,535.56 8,626,240.43 A{J«‘1. ^maV ‘|

(E) IarXo JE Ed§ ^wZmE JEo {~b 209,532.33 223,493.15 (~r)ZH$X CYma, Amoda S´mâQ> Ed§ ‘m§J na à{VXo` F$U 7,280,354.16 6,665,875.27 (gr) ‘r`mXr F$U 11,416,866.18 10,886,092.41

2. ^maV Ho$ ~mha - - Hw$b 1 Ed§ 2 18,906,752.67 17,775,460.83

AMb AmpñV`m§ 283,406.06 280,544.54 AÝ` AmpñV`m§A§Va H$m`m©b` g‘m`moOZ (ewÕ) 353,964.76 308,897.55 Cn{MV ã`mO 184,298.06 176,005.26 A{J«‘ H$a ^wJVmZ/òmooV na H$mQ>m J`m H$a 304,612.12 285,718.17 AmñW{JV H$a AmpñV`m§ (ewÕ) - - Xmdm| H$s g§Vw{ï> ‘| àmá H$s JB© J¡a-~¢qH$J AmpñV`m§ - - ñQ>oeZar Ed§ ñQ>mån 1,862.36 1,779.98 AÝ` 191,457.76 315,297.02 Hw$b 1,036,195.06 1,087,697.98 g‘oH$Z na JwS>{db 888.96 888.96 Hw$b AmpñV`m§ 31,276,581.23 29,009,464.36

61



(dV©‘mZ df© )31 ‘mM©, 2014 H$mo

(JV df© )AmH$pñ‘H$ Xo`VmE§~¢H$ Ho$ {dê$Û Xmdo, {OÝh| F$U Ho$ ê$n ‘| Zht ‘mZm J`m h¡. 10,942.50 11,963.46 Anrb, g§emoYZ Am{X Ho$ A§VJ©V {ddm{XV Am`H$a ‘m§J 181,376.60 140,058.94 ~H$m`m dm`Xm {dXoer ‘wÐm g§{dXmAm| Ho$ H$maU Xo`Vm 6,667,461.78 6,406,023.89 J«mhH$m| H$s Amoa go àXËV Jma§Q>r 1,150,783.62 1,090,367.93 ñdrH¥${V`m§, n¥îR>m§H$Z VWm AÝ` Xm{`Ëd 991,238.33 1,123,326.17 AÝ` ‘X|, {OZHo$ {bE ~¢H$ AmH$pñ‘H$ ê$n go {Oå‘oXma h¡ 77,575.00 83,831.28 Hw$b 9,089.327.83 8,855,571.67

g§J«hU hoVw {~b 1,106,080.49 767,173.57

ZmoQ> 1 é. 181416.01 (JV df© é. 184012.05) Ho$ nyZ‘y©ë¶m§H$Z àma{jV {Z{Y g§{hV


62


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQb ~¢H$ Am°’$ B§{S> m H$m g§{já g‘o{H$V bm^-hm{Z ImVm


g‘má df© Ho$ {bE (dV©‘mZ df© )

31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE

(JV df© )Am`A{O©V ã`mOA{J«‘m|/{~bm| na 1,958,363.92 1,866,956.40{Zdoem| na 670,788.87 576,505.26^maVr` [aOd© ~¢H$ Ed§ AÝ` A§Va-~¢H$ {Z{Y`m| ‘| eof am{e na 3,146.08 3,283.88AÝ` 15,298.88 1,086.00Hw$b 2,647,597.75 2,447,831.54AÝ` Am`H$‘reZ, {d{Z‘` Ed§ Xbmbr 88,321.26 82,168.47{Zdoem| H$s {~H«$s na ewÕ bm^ 61,765.83 45,536.69^y{‘, ^dZm| Ed§ AÝ` AmpñV`m| H$s {~H«$s go ewÕ bm^ (64.30) (119.30){d[Z‘` boZXoZm| na ewÕ bm^ 20,202.68 19,872.37^maV/{dXoe ‘| AZwf§Jr H§$n{Z`m| Ed§/AWdm g§`wº$ CÚ‘m| go bm^m§e BË`m{X Ho$ Ûmam Am`

0.10 -

{d{dY Am` 19,813.85 45,679.49Hw$b 190,039.42 193,137.72Hw$b Am` 2,837,637.17 2,640,969.26ì``àXÎm ã`mOO‘mam{e`m| na 1,754,859.24 1,639,692.52^maVr` [aOd© ~¢H$ / A§Va ~¢H$ CYma am{e`m| na 35,741.78 38,844.30AÝ` 129,364.35 117,771.58Hw$b 1,919,965.37 1,796,308.40n[aMmbZ ì``H$‘©Mm[a`m| H$mo ^wJVmZ Ed§ CZHo$ {bE àmdYmZ 383,061.22 354,148.61{H$am`m, H$a Ed§ {~Obr 36,969.91 33,580.85‘wÐU Ed§ boIZgm‘J«r 5,022.22 4,729.80{dkmnZ Ed§ àMma- àgma 2,554.34 2,660.24~¢H$ H$s g§n{Îm na ‘yë`õmg 22,962.07 20,880.30{ZXoeH$m| H$s ’$sg, ^Îmo Ed§ IM] 112.82 129.11boImnarjH$m| H$s ’$sg Ed§ IM} (emIm boImnarjH$m| g{hV) 2,250.47 1,738.45{d{Y à^ma 2,073.12 1,897.89S>mH$, Vma, Q>obr’$moZ BË`m{X 6,537.78 5,296.63‘aå‘V Ed§ aIaImd 7,443.13 5,884.00~r‘m 156.34 131.21AÝ` 24,455.57 19,612.80Hw$b 66,065.20 68,317.79

559,664.19 519,007.68

63



g‘má df© Ho$ {bE (dV©‘mZ df© )

31 ‘mM©, 2014 H$mo g‘má df© Ho$ {bE

(JV df© )àmdYmZ Ed§ AmH$pñ‘H$VmE§{Zdoem| Ho$ Ad‘yë`Z na àmdYmZ (1,855.77) 10,618.10J¡a {Zînm{XV AmpñV`m| hoVw àmdYmZ 206,214.98 329,111.46‘mZH$ AmpñV`m| hoVw àmdYmZ 58,697.02 (681.84)AÝ` (Am`H$a N>mo‹S>H$a ) 3,968.39 84,173.10Hw$b 267,024.62 423,220.82

Hw$b ì`` Ed§ àmdYmZ 2,746,654.18 2,738,536.90H$a nyd© bm^/(hm{Z) 90,982.99 (97,567.64)Mmby H$a 540.83 27,647.70AñW{JV H$a 28,612.61 (64.13)H$a nümV bm^/(hm{Z) 61,829.55 (125,151.20)Omo‹S>o:Agmo{eEQ²g ‘| Am` H$m {hñgm 5,207.31 4,230.89KQ>mE§… ‘mBZm°[aQ>r B§Q>aoñQ> (430.94) (402.16)KQ>mE§: A{YJ«hU nyd© bm^ - (14.71)g‘yh bm^ 66,605.92 (121,337.19)bm^/hm{Z AmJo bo Om`m J`m (107,187.33) 24,136.67KQ>mE§ : Agmo{eEQ²g ‘| {Zdoe Ho$ A§VaU Ho$ H$maU AmJo bmE JE g‘o{H$V bm^ ‘| H$‘r

- 5,261.48

Hw$b (40,581.41) (102,462.00){d{Z`moOZ{ZåZ H$mo A§V[aV :gm§d{YH$ àma{jV 15,161.00 -{Zdoe àma{jV 5,383.00 4,253.68H$‘©Mmar H$ë`mU {Z{Y 1,819.00 -amOñd àma{jV 93.00 79.00àñVm{dV bm^m§e - A{Y‘mZr ny§Or - -àñVm{dV bm^m§e - B{¹$Q>r ny§Or 8,291.00 -~r‘m Ho$ ~Xbo {Z{Y 200.00 -bm^m§e H$a 1,776.93 79.95Ymam 36(1) (viii) Ho$ A§VJ©V {deof Ama{jV 362.20 312.70EZEM~r {Xem{ZX}em| Ho$ AZwgma {deof Ama{jV ‘| S>rQ>rEb H$m {d{Z`moOZ 211.28H§$nZr A{Y{Z`‘ Ho$ AZwgma grEgAma Ama{jV 19.27VwbZnÌ ‘| bo Om`m J`m eof (73,898.09) (107,187.33)

(Ama.gr.bmo‹T>m) H$m`©nmbH$ {ZXoeH$




ñWmZ : {Xëbr{XZm§H$ : 25 ‘B©, 2015


64



gm¡a^ JJ© {ZXoeH$

eoIa ^Q>ZmJa {ZXoeH$

E‘.nr.emoamdmbm{ZXoeH$

H¥$îU goR>r{ZXoeH$

lr‘Vr EZ.Eg. aËZà^m {ZXoeH$

Eg.~r. amoSo>{ZXoeH$

Jwa~»e Hw$‘ma Omoer{ZXoeH$


E’$.Ama.Z§. 000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$.gZXr boImH$ma

E’$.Ama.Z§. -004135Eg

H¥$Vo XÿJ‹S> EÊS> Egmo{eEQ²ggZXr boImH$ma

E’$.Ama.Z§. 000561EZ

(grE Ama.Ho$.AJ«dmb) ^mJrXma

gXñ`Vm g§. 081510

(grE dram~mgZm Jm¡‹S>m) ^mJrXma

gXñ`Vm g§. 208698


gXñ`Vm g§. 081810


E’$.Ama.Z§. 301075B©

H¥$Vo ~r.EZ. {‘lm EÊS> H§$.gZXr boImH$ma

E’$.Ama.Z§. 321095B©

H¥$Vo M§Xm^m°` EÊS>> Oñgy^m°` gZXr boImH$ma

E’$.EZ.Z§. 101647S>ãë`y


gXñ`Vm g§. 010534


gXñ`Vm g§. 083927


gXñ`Vm g§. 049289


ñWmZ : {Xëbr{XZm§H$ : 25 ‘B©, 2015

65


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°µ’$ B§{S>`m H$s g§{já g‘o{H$V {dÎmr` {dda{U`m| na {Q>ßn{U`m±

1. V¡`ma H$aZo H$m AmYma :

{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE g§{já g‘o{H$V {dÎmr` {dda{U`m§ {dÎm ‘§Ìmb`, ^maV gaH$ma Ûmam AnZo nÌm§H$ E’$Z§.7/116/2012-~rAmoE {XZm§H$ 1 AJñV, 2012 H$s A{YgyMZm Ho$ AZwgaU ‘| ~¢H$ BgH$s AZwf§{J`m| Ed§ Egmo{eEQ²g H$s boIm nar{jV g‘o{H$V {dÎmr` {dda{U`m| Ho$ AmYma na, (BgHo$ ~mX BÝh| "g‘o{H$V {dÎmr` {dda{U`m§' Ho$ Zm‘ go g§~mo{YV {H$`m OmEJm.) V¡`ma H$s JB© h¢.

2. ‘hÎdnyU© boIm§H$Z Zr{V`m§ :

g‘o{H$V ImVo V¡`ma H$aZo Ho$ AmYma g{hV ~¢H$ H$s ‘hÎdnyU© boIm§H$Z Zr{V`m± "g‘o{H$V {dÎmr` {dda{U`m|' H$s AZwgyMr 17 ‘| g{Þ{hV h¡.

3. boIm| Ed§ AÝ` àH$Q>rH$aU go gå~§{YV {Q>ßn{U`m± :

boIm| Ed§ AÝ` àH$Q>rH$aU go gå~§{YV {Q>ßn{U`m± g‘o{H$V {dÎmr` {dda{U`m| H$s AZwgyMr 18 ‘| Xr JB© h¢. VWm{n Ohm± H$ht boIm§H$Z Zr{V`m| ‘| n[adV©Z h¡ `m boImnarjH$m| H$s [anmoQ>m] ‘| n[adV©Z AWdm Ü`mZ AmH${f©V H$aZo gå~ÝYr {Q>ßn{U`m§ Ed§ àH$Q>rH$aU {ZåZ{bpIV n¡am 4, 5 Ed§ 6 ‘| {XE JE h¢.

4. goÝQ> ~¢H$ hmo‘ ’$mBZ|g Zo dV©‘mZ df© Ho$ Xm¡amZ amï´>r` Amdmg ~¢H$ Ho$ n[anÌ g§. EZEM~r (EZS>r)/S>rAmaEg/nm°{bgr n[anÌ 65/2014-15 {XZm§H$ 22 AJñV, 2014 Ûmam Omar {Xem{ZX}em| Ho$ AZwnmbZ ‘| Am`H$a A{Y{Z`‘, 1961 H$s Ymam 36 (1) (viii) Ho$ A§VJ©V Amdmg {dÎm H§$n{Z`m| Ûmam aIo Om ahr {deof Ama{jV {Z{Y`m| na ` 3 H$amo‹S> H$s AmñW{JV H$a Xo`Vm g¥{OV H$s h¡.

5. goÝQ> ~¢H$ hmo‘ ’$mBZ¢g Ho$ boImnarjH$ Ûmam AdbmoH$Z {H$`m J`m h¡ {H$ H§$nZr H$s Mmby Xo`VmE§ CgH$s Mmby n[ag§n{Îm`m| go A{YH$ hmo JB© h¡. Bg Ag§VwbZ na à~§YV§Ì Ûmam Ü`mZ {X`m OmZm Amdí`H$ h¡.

6. g‘o{H$V {dËVr` {dda{U`m|, {OZ‘| EH$ joÌr` J«m‘rU ~¢H$ AWm©V goÝQ´b ‘Ü` àXoe J«m‘rU ~¢H$ (grE‘nrOr~r) Ho$ é. 3.24 H$amo‹S> bm^ H$s {hñgoXmar em{‘b h¡, boImnarjH$ Zo EZnrE g§MbZ kmV H$aZo, Am`H$a, Q>rS>rEg, godmH$a VWm A§Va H$m`m©b` H$s ~H$m`m à{d{ï>`m| Ho$ g‘m`moOZ Ho$ g§~§Y ‘| àmdYmZ BË`m{X na Ü`mZ XoZo Ho$ {bE nwZ: AmJ«h {H$`m h¡, {OgH$m grE‘nrOr~r H$s {dËVr` {dda{U`m| na n‹S>o à^md H$m {ZYm©aU Zht {H$`m Om gH$m h¡.

Bgr àH$ma, CËVa {~hma J«m‘rU ~¢H$ (`y~rOr~r) H$s g‘o{H$V {dËVr` {ddaUr ‘| em{‘b é. 35.46 H$amo‹S> H$s {hñgoXmar Ho$ ‘m‘bo ‘| boImnarjH$ Zo Am`H$a Ho$ àmdYmZ H$s Amoa Ü`mZ AmH${f©V {H$`m h¡, {OgHo$ `y~rOr~r H$s {dËVr` {dda{U`m| na n‹S>o à^md H$mo {ZYm©[aV Zht {H$`m Om gH$m h¡.

7. Egmo{eEQ `Wm B§S>mo-Ompå~`m ~¢H$ H$m boIm df©, H¡$boÊS>a df© h¡. VWm{n bm^ ‘| {hñgoXmar, boImnar{jV Am§H$‹S>m| Ho$ AmYma na 9 ‘mh Ho$ {bE Ed§ 3 ‘mh Ho$ {bE AboImnar{jV Am§H$‹S>m| Ho$ AmYma na br JB© h¡.



(Ama.Ho$. Jmo`b) H$m`©nmbH$ {ZXoeH$


(gm¡a^ JJ©) {ZXoeH$

(eoIa ^Q>ZmJa) {ZXoeH$

(E‘.nr.emoamdmbm) {ZXoeH$

(H¥$îU goR>r) {ZXoeH$

(lr‘Vr EZ.Eg. aËZà^m) {ZXoeH$

(Eg.~r. amoSo>) {ZXoeH$

(Jwa~»e Hw$‘ma Omoer) {ZXoeH$

66


H¥$Vo Hw$‘ma Mmon‹S>m EÊS> Egmo{gEQ²g gZXr boImH$ma

E’$AmaEZ.000131EZ

H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS>> H§$. gZXr boImH$ma

E’$AmaEZ.004135Eg

H¥$Vo XÿJ‹S> EÊS> Egmo{gEQ²g gZXr boImH$ma

E’$AmaEZ.000561EZ


gXñ`Vm g§.081510

(grE dra~mgZm Jm¡‹S>m) ^mJrXma

gXñ`Vm g§.023488


gXñ`Vm g§.08181

H¥$Vo EZ.gaH$ma EÊS> H§$. gZXr boImH$ma

E’$AmaEZ.301075B©

H¥$Vo ~r.EZ. {‘lm EÊS> H§$. gZXr boImH$ma

E’$AmaEZ.321095B©

H¥$Vo M§Xm^m°` EÊS> Oñgy^m°` gZXr boImH$ma

E’$AmaEZ.101647S>ãë`y


gXñ`Vm g§. 010534


gXñ`Vm g§.083927


gXñ`Vm g§.049289

ñWmZ : {Xëbr

{XZm§H$ : 25 ‘B©, 2015

{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© Ho$ {bE goÝQ´b ~¢H$ Am°µ’$ B§{S>`m H$s g§{já g‘o{H$V {dÎmr` {dda{U`m| na {Q>ßn{U`m±

67


{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© H$s g‘o{H$V ZH$X àdmh {ddaUr

(am{e H$amo‹S> ‘o)

H«$.g§. {ddaU 31- 03- 2015 31-03-2014

E n[aMmbZ J{V{d{Y`m| go ZH$X àdmh

H$a nyd© ewÕ bm^ 909.93 (975.67)I Ho$ g‘m`moOZ hoVw :

AMb AmpñV`m| na ‘yë`õmg 229.62 208.81

{Zdoem| na ‘yë`õmg (n[an³d {S>~|Mam| g{hV) (18.56) 256.56

An{bpIV AemoÜ` F$U/J¡a {Zînm{XV AmpñV`m| ‘| àmdYmZ 2,061.98 3,291.16

‘mZH$ AmpñV`m| Ho$ {bE àmdYmZ 588.55 690.10

AÝ` ‘Xm| Ho$ {bE àmdYmZ (ewÕ) 38.18 (5.62)

Am`H$a na ã`mO (ewÕ) - (10.87)

AMb AmpñV`m| H$s {~H«$s na bm^/hm{Z (ewÕ) 0.64 1.19

Jm¡U F$U na ã`mO Ho$ {bE ^wJVmZ/àmdYmZ (n¥WH$ go {H$¶m J¶m) 696.03 642.26

{Zdoem| Ho$ ‘moMZ na hm{Z - 0.01

OoEZdmB© Hy$nZ na ã`mO - 5.17

Cn `moJ 4,506.37 4,103.10II Ho$ g‘m`moOZ hoVw

O‘m ‘| d¥{Õ/ (H$‘r) 15,597.07 14,125.44

CYmam| ‘| d¥{Õ/ (H$‘r) 3,962.03 3,741.26

AÝ` Xo`VmAm| Ed§ àmdYmZm| ‘| d¥{Õ/(H$‘r) 1,853.29 2,760.79

A{J«‘m| ‘| (d¥{Õ)/H$‘r (13,963.45) (9,429.83)

{Zdoem| ‘| (d¥{Õ)/H$‘r (9,379.63) (13,778.82)

AÝ` AmpñV`m| ‘| (d¥{Õ)/H$‘r 665.80 (3,301.86)

àË`j H$am| H$m ^wJVmZ (dmngr H$m ewÕ Am{X ) (967.74) (709.80)

n[aMmbZ J{V{d{Y`m| go ewÕ ZH$X (E) (2,232.66) (6,592.82)

n[aMmbZ J{V{d{Y`m| go ZH$X ewÕ àdmh 2,273.71 (2,489.72)

~r {Zdoe J{V{d{Y`m| go ZH$X àdmh

AMb AmpñV`m| H$s {~H«$s/{ZnQ>mZ 815.27 49.51

AMb AmpñV`m| H$s IarX (1,100.11) (405.14)

AmaAma~r/Agmo{eEQ> ‘| {Zdoe (46.83) (13.41)

{Zdoe J{V{d{Y`m| go ewÕ ZH$X àdmh (331.67) (369.04)

68


(am{e H$amo‹S> ‘o)

H«$.g§. {ddaU 31- 03- 2015 31-03-2014

gr {dÎmnmo{fV J{V{d{Y`m| go ZH$X àdmh

eo`a ny§Or 1,207.85 1,801.90

bm^m§e - A§V[a‘ bm^m§e g{hV BpŠd{Q> eo`g© (1.34) (1.22)

bm^m§e H$a (0.81) (0.65)

OoEZdmB© ñd¡n Hy$nZ na ã`mO - (5.17)

Jm¡U H$O© na ã`mO (696.03) (642.26)

{dÎmnmo{fV J{V{d{Y`m| go ewÕ ZH$X àdmh 509.67 1,152.60

S>r ZH$X Ed§ ZH$X Vwë` (E+~r+gr ) `m ( E’$$-B©) ‘| ewÕ d¥{Õ 2,451.71 (1,706.16)

B© df© Ho$ àma§^ na ZH$X VWm ZH$X Vwë`

ZH$X Ed§ ^m[a~¢ Ho$ gmW eof 11,926.63 13,560.17

~¢H$ ‘| VWm ‘m§J na YZ Ed§ Aën gyMZm ‘| eof 459.69 532.31

df© Ho$ àma§^ na ewÕ ZH$X VWm ZH$X g‘H$j 12,386.32 14,092.48

E’$$ df© H$s g‘m{á na ZH$X Ed§ ZH$X g‘H$j

ZH$X Ed§ ^m[a~¢ Ho$ gmW eof 14,116.32 11,926.63

~¢H$ Ed§ ‘m§J na YZam{e VWm Aën gyMZm ‘| eof 721.66 459.69

df© Ho$ A§V ‘| ewÕ ZH$X VWm ZH$X g‘H$j 14,838.03 12,386.32

{XZm§H$ 31 ‘mM©, 2015 H$mo g‘má df© H$s g‘o{H$V ZH$X àdmh {ddaUr



(Ama.Ho$. Jmo`b) H$m`©nmbH$ {ZXoeH$

(amOrd G${f)AÜ`j Ed§ à~§Y {ZXoeH$

H¥$Vo Hw$‘ma Mmon‹S>m EÊS Egmo{gEQ²g H¥$Vo nr.Ho$. gw~«‘{U`‘ EÊS> H§$. H¥$Vo XÿJ‹S> EÊS Egmo{gEQ²ggZXr boImH$ma gZXr boImH$ma gZXr boImH$ma

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71


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72


ZmoQ²>g / NOTES

73

Abridged Annual Report 2014-15

CHAIRMAN AND MANAGING DIRECTOR’s MESSAGE

Dear Shareholder,

The Financial Year 2014-15 has been a year of consolidation for the Bank. Growth has been moderated to align it with the

market scenario. The Bank strategized its focus on business segments like Agriculture, SME & Retail Advances, which has

started yielding results during the year.

Growth prospects of major economies, though look brighter for the year ahead, continue to be subdued in the near term

outlook. Developing countries are widely expected to have a better year ahead given the soft oil prices, low global interest

rates and a stronger US economy. While growth in China is slowing down to the official target of around 7%, India is set to

grow faster in the next two years.

In a major development, the Central Statistics Office, Government of India released the new GDP series shifting the base year

to 2011-12 from 2004-05. The new series deploys improved methodologies and uses more data thereby bringing India on par

with international standards of GDP estimation. Using the new estimate, the GDP growth of the country for 2015-16 at market

prices is expected to be in the range of 8.1 to 8.5%. The Economic Survey published by Government of India, however, takes

a balanced view of the growth estimate and states thus in the report: “The balance of evidence and caution counsel in favour

of an interpretation of a recovering rather than surging Indian economy” .

The series of policy measures undertaken by the Government, ongoing moderation in inflation and the prospects of a softer

interest rate regime would provide necessary impetus for reviving industrial production and domestic consumption. Prospects

of recovery and growth, therefore, offer reasons to be optimistic about sustainable growth in all business segments.

During the Financial Year 2014-15, Business of the Bank increased to Rs 4,50,539 crore from Rs 4,23,390 crore in Financial

Year 2013-14 registering a growth of 6.41%. The Deposit and Credit growth of the Bank stood at 6.46% and 6.35% respectively.

The CASA share as a percentage of Total Deposits stood at 34.05% as against 33.33% in Financial Year 2013-14. To ensure

profitable growth in Business, High Cost Deposits have been shed considerably. The share of high cost deposits as a

proportion of Total deposits has been reduced to 10.73% as on Mar-2015 from as high as 21.84% as on March-2014. This is

well reflected in growth of Aggregate Core Deposits at 21.59 %.

The operating profit of the Bank increased to Rs 3559 crore from Rs 3238 crore in Financial Year 2013-14 registering a growth

of 9.91%. Further, Bank posted Net profit of Rs. 606 crore as against a Net Loss of Rs (1263) crore in previous year.

The Bank’s Cost of Deposits reduced to 7.22% from 7.24% in Financial Year 2013-14, the Net Interest Income of the Bank

increased to Rs 7247 crore from Rs 6494 crore in Financial Year 2013-14 registering a growth of 11.60%. The Other Income

or Fee – based Income of the Bank has reduced to Rs 1894 crore from Rs 1923 crore in Financial Year 2013-14.

74


Asset Quality has been the concern of the Bank for last couple of years. The percentage of Gross NPA to Gross Advances

reduced to 6.09% from 6.27% in Financial Year 2013-14 and percentage of Net NPA to Net Advances reduced to 3.61%

from 3.75% in Financial Year 2013-14. This is on account of stress in some sectors like Infrastructure, Textiles, Iron & Steel,

Engineering & Manufacturing, Gems & Jwellery etc. Your Bank has been proactive in respect of NPA Management and shall

continue its effort to contain the percentage Gross NPA below 5.25% and Net NPA below 2.20% for Financial Year 2015-16.

Bank is fully engaged in inclusive growth through various Financial Inclusion initiatives to reach ‘the last mile’ of economy. The

Direct Benefit Transfer (DBT) programme of the government is being implemented in various districts out of which we are

lead bank in eight districts .Further progress in these districts and in new districts will be made during the FY-2015-16. This

programme paves the way for the Bank to canvass more CASA Deposits and also for Credit Expansion. Further, Bank has

successfully implemented ‘Pradhan Mantri Jan Dhan Yojna’ and have opened around 57,17,895 accounts as on 31st March,

2015.

A Bank with 4689 branches as on March 2015, of which 2/3 rd of the Branches are in rural and semi urban areas and 3677

Ultra Small Branches shall continue to position itself as a Retail Bank. Your Bank shall be ensuring that the retail and priority

sector portfolios grow much faster than they have been so far.

I am happy to present the Annual Report of the Bank for the year ended 31st March 2015.

With best wishes,

Yours sincerely,

Sd/-

Rajeev Rishi

Place: Delhi

Date: May 25, 2015

75


NOTICENotice is hereby given that the Eighth Annual General Meeting of the shareholders of Central Bank of India will be held on Tuesday, 30th June, 2015 at 11.00 A.M. at Sir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital/Reliance Energy Office, JVPD Scheme, Vile Parle (west), Mumbai, 400056 to transact the following business :1) To discuss, approve and adopt the Audited Balance Sheet of the Bank as at 31st March 2015, Profit and Loss Account

of the Bank for the year ended 31st March 2015, the report of the Board of Directors on the working and activities of the Bank for the period covered by the accounts and the Auditors’ report on the Balance Sheet and Accounts.

2) To declare dividend for the financial year 2014-15.3) To elect two Directors from amongst shareholders of the Bank other than Central Government in terms of Section 9

(3) (i) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 (hereinafter referred to as “the Act”) read with the Banking Regulation Act, 1949, Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 (hereinafter referred to as “the Scheme”), Central Bank of India (Shares and Meetings) Regulations, 1998 (hereinafter referred to as “the Regulations”) made pursuant to Section 19 of the Act and Notification No. DBOD. No. BC.No.46/29.39.001/2007-08 dated 01 November 2007 and No.DBOD.BC.No.95/29.39.001/2010-11 dated 23 May, 2011 of Reserve Bank of India (hereinafter referred to as “RBI Notifications”) by passing the following resolution:

“RESOLVED THAT two Directors elected from amongst shareholders other than the Central Government pursuant to Section 9(3)(i) of the Act, read with the Scheme, Regulations made thereunder and RBI Notifications, be and are hereby elected as the Directors of the Bank to assume office from the date following the date on which he/she is elected/deemed to be elected and shall hold office until the completion of a period of three years from the date of such assumption”.

BY ORDER OF THE BOARD OF DIRECTORSPlace:Delhi A K DASDate: 25.05.2015 Assistant General Manager-MBD/

Company SecretaryNOTES:1. EXPLANATORY STATEMENT The Explanatory Statement setting out the material facts in respect the business of the meeting is annexed hereto.2. SPECIFIED DATE Pursuant to Regulation 12 of the Central Bank of India (Shares and Meetings) Regulations, 1998, Friday, the 29th May,

2015 has been fixed as Specified Date for the purpose of determining the names of shareholders entitled to participate in the election i.e. to nominate, contest and vote for the election of Directors from amongst the shareholders other than the Central Government .

3. APPOINTMENT OF PROXY: A SHAREHOLDER ELIGIBLE TO ATTEND AND VOTE, IS ENTITLED TO APPOINT A PROXY TO ATTEND AND VOTE

INSTEAD OF HIMSELF / HERSELF AND SUCH PROXY NEED NOT BE A SHAREHOLDER OF THE BANK. The instrument appointing proxy should, however be deposited at the Head Office of the Bank situated at Chandermukhi,

Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on or before 5.00 PM on 25th June, 2015.

4. APPOINTMENT OF AN AUTHORISED REPRESENTATIVE: No person shall be entitled to attend or vote at any meeting of the shareholders of Central Bank of India as the duly

authorized representative of a company unless a copy of the resolution appointing him as a duly authorized representative, certified to be a true copy by the chairman of the meeting at which it was passed, has been deposited at the Head Office of the Bank situated at Chandermukhi, Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e., on or before 5.00 PM on 25th June, 2015.

5. NoofficeroremployeeoftheBankshallbeappointedasAuthorisedRepresentativeorproxyofashareholder.6. ATTENDANCE SLIP-CUM-ENTRY PASS: For the convenience of the shareholders, attendance slip-cum-entry pass is enclosed with this notice. Shareholders/proxy

holders/representatives are requested to affix their signature at the space provided therein and surrender the same at the venue. Proxy holders / representatives should state on the attendance slip-cum-entry pass as “proxy or representative” as the case may be and should have proof of their identity by getting their signature attested by the shareholder.

7. CLOSURE OF REGISTER OF SHAREHOLDERS: The Register of Shareholders and Share Transfer Books of the Bank will remain closed from 25th June, 2015 (Thursday)

to 30th June, 2015 (Tuesday) (both days inclusive).8. VOTING RIGHTS In terms of the provisions of Section 3(2E) of the Act, no shareholder of the corresponding new Bank, other than the

Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of ten per cent of the total voting rights of all the shareholders of the Bank.

Subject to the above, as per Regulation 68, each shareholder who has been registered as a shareholder shall have one vote on show of hands and in case of a poll shall have one vote for each share held by him.

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9. EXERCISE OF RIGHTS OF JOINT HOLDERS As per Regulation 10 of the Regulations, if any share stands in the names of two or more persons, the person first named

in the register shall, as regards voting, be deemed to be the sole holder thereof. Hence if shares are in the name of joint holders, then first named person is only entitled to attend the meeting and is only eligible to vote (by poll or by show of hands) in the meeting.

10. ShareholdersarerequestedtobringtheircopiesoftheAnnualReporttotheMeeting.11.1Intimationtoshareholdersholdingsharesinphysicalform: As you may be aware that the shares cannot be traded in physical form and in order to impart liquidity to the shareholders,

we request you to convert your shares into Dematerialised form. You may convert your shares into Demat by opening an Account with the nearest bank’s branch providing Demat Service. The list of branches providing Demat services is available on website of the Bank. There are various advantages associated with converting your shareholding in Demat form viz. avoidance of loss, bad deliveries, faster settlements, paperless trading, etc. Further, intimations regarding change of address, bank mandate, nomination and request for transaction are required to be given only at one place i.e. with the branch where you open your Demat Account even if you hold shares of more than one Company/entity.

However, if you are still interested in holding the shares in physical form and not opting for demat, please provide us with the following Bank details to enable us to credit your Account with the dividend (as and when declared) directly.

Name of the Bank Address of the Branch Bank Account Number 9 digit MICR code of the branch IFSC code of the Branch (preferably, send us a cancelled cheque/ copy of a cheque leaf). Please note that the bank Account should be in the name of the 1st holder of shares.11.2Intimationtoshareholdersholdingsharesindematerialisedform: It is our constant endeavor to provide the best services to our valued shareholders. We observe that there are some

shareholders who are holding shares in demat form but have not registered/updated their Bank account details with their Depository Participants (DPs) for getting Dividend amount directly credited to their Bank accounts. Accordingly, Dividend declared earlier, was paid to them by sending Dividend Warrant (DW) to the addresses maintained by them with Depositories.

It is worth noting that if such shareholders had registered / updated their Bank Account particulars with their DPs, the Dividend Amount would have been credited directly to their bank account thus, ensuring faster receipt of Dividend right on due date, saving time spent on receiving dividend warrant by post, no requirement for visiting bank for depositing the Dividend Warrant, non-apprehension of loss / theft of dividend warrant in transit or the likelihood of fraudulent encashment thereof.

We accordingly suggest these shareholders to register/ update their Bank Account details i.e. Bank Name, Branch Address, Account No., Account Type, Nine Digit MICR Code Number as appearing on cheque issued by their banks, with their Depository Participant with whom they are maintaining their Demat Account, to facilitate credit of dividend amount (as and when declared) directly to their Bank accounts right on due date. In addition to this, they may also send directly to the Bank or its RTA namely, Link Intime India Pvt. Limited abovesaid bank details with mandate to credit all future dividend amounts, refund amounts or other remittances, if any, to their bank accounts instead of sending any Dividend warrant, cheque, Demand Draft , etc.

12. UNCLAIMED DIVIDEND, IF ANY The shareholders who have not encashed their Dividend Warrants / or have not received dividend for any of the previous

years are requested to contact the Registrar and Share Transfer Agent or the Bank for arranging payment thereof directly to their Bank A/c or for issue of duplicate dividend warrant/Demand Draft.

As per Section 10B of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the amount of dividend remaining unpaid or unclaimed for a period of seven years from the date of transfer to the Unpaid Dividend Account is required to be transferred to the Investor Education and Protection Fund (IEPF) and thereafter no claim for paymentshalllieinrespectthereofeithertotheBankortotheIEPF.

13. VotingthroughelectronicmeansI. In compliance with clause 35B of the Listing Agreement entered into with the Stock Exchanges read with Rule 20 of

the Companies (Management and Administration) Rules, 2014, the Bank is pleased to offer e-voting facility as an alternative mode of voting which will enable the Members to cast their votes electronically. Necessary arrangements have been made by the Bank with Central Depository Services (India) Limited (CDSL) to facilitate e-voting.

77


The process and instructions for e-voting are as under :(i) ThevotingperiodbeginsonSaturday,27th June2015at10.00AMandendsonMonday,29th June

2015at05.00PM.Duringthisperiodshareholders’oftheBank,holdingshareseitherinphysicalformorindematerializedform,asonthecut-offdatei.e.Wednesday,24thJune2015,maycasttheirvoteelectronicallyexceptAgendaitemno.3forwhichcut-offdateisFriday,29thMay2015.Thee-votingmoduleshallbedisabledbyCDSLforvotingthereafter.

(ii) The shareholders should log on to the e-voting website www.evotingindia.com.(iii) Click on Shareholders.(iv) Now Enter your User ID

a. For CDSL: 16 digits beneficiary ID,b. For NSDL: 8 Character DP ID followed by 8 Digits Client ID,c. Members holding shares in Physical Form should enter Folio Number registered with the Bank.

(v) Next enter the Image Verification as displayed and Click on Login.(vi) If you are holding shares in demat form and had logged on to www.evotingindia.com and voted on an earlier

voting of any company/entity, then your existing password is to be used.(vii) If you are a first time user follow the steps given below:

ForMembersholdingsharesinDematFormandPhysicalFormPAN Enter your 10 digit alpha-numeric *PAN issued by Income Tax Department (Applicable for both

demat shareholders as well as physical shareholders)• Members who have not updated their PAN with the Bank/Depository Participant are

requested to use the first two letters of their name and the 8 digits of the sequence number in the PAN field.

• In case the sequence number is less than 8 digits enter the applicable number of 0’s before the number after the first two characters of the name in CAPITAL letters. Eg. If your name is Ramesh Kumar with sequence number 1 then enter RA00000001 in the PAN field.

DOB Enter the Date of Birth as recorded in your demat account or in the Bank records for the said demat account or folio in dd/mm/yyyy format.

DividendBankDetails

Enter the Dividend Bank Details as recorded in your demat account or in the Bank records for the said demat account or folio.

• Please enter the DOB or Dividend Bank Details in order to login. If the details are not recorded with the depository or Bank, please enter the member id / folio number in the Dividend Bank details field as mentioned in instruction (iv)

(viii) After entering these details appropriately, click on “SUBMIT” tab.(ix) Members holding shares in physical form will then directly reach the Bank selection screen. However,

members holding shares in demat form will now reach ‘Password Creation’ menu wherein they are required to mandatorily enter their login password in the new password field. Kindly note that this password is to be also used by the demat holders for voting for resolutions of any other company/entity on which they are eligible to vote, provided that company/entity opts for e-voting through CDSL platform. It is strongly recommended not to share your password with any other person and take utmost care to keep your password confidential.

(x) For Members holding shares in physical form, the details can be used only for e-voting on the resolutions contained in this Notice.

(xi) Click on the EVSN for the relevant <Company Name> on which you choose to vote.(xii) On the voting page, you will see “RESOLUTION DESCRIPTION” and against the same the option “YES/NO”

for voting. Select the option YES or NO as desired. The option YES implies that you assent to the Resolution and option NO implies that you dissent to the Resolution.

(xiii) Click on the “RESOLUTIONS FILE LINK” if you wish to view the entire Resolution details.(xiv) After selecting the resolution you have decided to vote on, click on “SUBMIT”. A confirmation box will be

displayed. If you wish to confirm your vote, click on “OK”, else to change your vote, click on “CANCEL” and accordingly modify your vote.

(xv) Once you “CONFIRM” your vote on the resolution, you will not be allowed to modify your vote.(xvi) You can also take out print of the voting done by you by clicking on “Click here to print” option on the Voting

page.(xvii) If Demat account holder has forgotten the same password then Enter the User ID and the image verification

code and click on Forgot Password & enter the details as prompted by the system.

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(xviii) NoteforNon–IndividualShareholdersandCustodians• Non-Individual shareholders (i.e. other than Individuals, HUF, NRI etc.) and Custodian are required to log

on to www.evotingindia.com and register themselves as Corporates.• A scanned copy of the Registration Form bearing the stamp and signature of the entity should be emailed

to [email protected].• After receiving the login details a compliance user should be created using the admin login and password.

The Compliance user would be able to link the account(s) for which they wish to vote on.• The list of accounts should be mailed to [email protected] and on approval of the accounts

they would be able to cast their vote.• A scanned copy of the Board Resolution and Power of Attorney (POA) which they have issued in favour

of the Custodian, if any, should be uploaded in PDF format in the system for the scrutinizer to verify the same.

(xix) In case you have any queries or issues regarding e-voting, you may refer the Frequently Asked Questions (“FAQs”) and e-voting manual available at www.evotingindia.com, under help section or write an email to [email protected].

II. The voting rights of shareholders shall be in proportion to their shares of the paid up equity share capital of the Bank as on the cut-off date of Wednesday, 24th June, 2015 for agenda nos. 1 and 2. For agenda no.3, the cut- off date will be Friday, 29th May 2015. However, in terms of the provisions of Section 3(2E) of the Banking Companies (Acquisition and Transfer of Undertakings) Act , 1970 no shareholder of the Bank other than the Central Government, shall be entitled to exercise voting rights in respect of any shares held by him/her in excess of ten per cent of the total voting rights of all the shareholders of the Bank.

III. A copy of this notice has been placed on the website of the Bank and the website of CDSL.IV. Shri Pramod S. Shah, Practising Company Secretary (Certificate of Practice Number 3804) has been appointed as

the Scrutinizer for conducting the e-voting process in a fair and transparent manner.V. The Scrutinizer shall immediately after the conclusion of voting at the general meeting, first count the votes cast at

the meeting, thereafter unblock the votes cast through remote e-voting in the presence of at least two witnesses not in the employment of the Bank and make, not later than three days of conclusion of the meeting, a consolidated scrutiniser’s report of the total votes cast in favour or against, if any, to the Chairman or a person authorised by him in writing who shall countersign the same.

VI. The Results declared alongwith the Scrutinizer’s Report shall be placed on the Bank’s website www.centralbankofindia.co.in and on the website of CDSL within two (2) days of passing of the resolution at the AGM of the Bank and communicated to the BSE Limited and National Stock Exchange of India Limited.

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EXPLANATORY STATEMENTELECTIONOFTWOSHAREHOLDERS’DIRECTORS• RIGHTSOFSHAREHOLDERSTOELECTDIRECTORS Shareholders other than the Government of India hold 18.5401% of the equity share capital of the Bank. As per Section

9(3)(i) of the Banking Companies (Acquisition and Transfer of Undertaking) Act, 1970, Board of Directors of Central Bank of India shall include two directors representing the shareholders of the Bank (other than the Central Government). Accordingly, two directors are required to be elected by the shareholders other than Central Government to fill up the aforesaid vacancies.

Therefore,anitemofagendaisincludedintheNoticefortheAGMtopassnecessaryresolutionforelectionoftwodirectorsrepresentingtheshareholdersoftheBank.

The shareholders (other than the Central Government) are therefore entitled to send their nominations as per the procedure detailed in the Act, Regulation Act, Scheme, Regulations, Notification, the relevant provisions of which are indicated hereunder. Two directors will be elected either after the scrutiny of the nominations (if the number of valid nominations are equal to the number of vacancies) or in subsequent election on 30th June, 2015, if there are more contestants. The elected directors shall be deemed to have assumed office from the date following that on which he is, or is deemed to be elected and will hold office for a period of three years from the date of assumption of office.

• LEGALPROVISIONS The following table indicates the provisions contained in various Acts/Regulations / Notifications applicable in this regard:

ACT / SCHEME/ REGULATIONS / NOTIFICATIONS

PROVISIONS SHORT PARTICULARS

The Banking Regulation Act, 1949 Section 20 • Restrictions for granting loan or advance to or on behalf of any of its directors

The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970

Section 3 (2E)Section 9(3)(i)

Section 9 (3A) (A) to (C)Section 9 (3AA)

Section 9 (3AB)

Section 9 (3B)

Section 13(2)

• Restriction on voting rights• No. of directors to be elected by the

shareholders• Special Knowledge in certain fields• No person shall be eligible to be elected

as director unless he is a person having fit and proper status based upon track record, integrity and such other criteria as RBI may prescribe

• RBI may also specify in the notification issued under sub section (3AA), the authority to determine the fit and proper status, the manner of such determination, the procedure to be followed for such determination and such other matters as may be considered necessary or incidental thereto.

• Right of RBI to remove a director so elected who does not fulfill the requirements of Sections 9 (3A) and 9(3AA) of the said Act.

• Obligation as to fidelity and secrecy

The Nationalised Banks(Management and Miscellaneous Provisions) Scheme, 1970

Clause 9 (4)Clause 10

Clause 11Clause 11AClause 11B

Clause 12 (8)

• Term of office of elected directors• Disqualifications from being elected as a

Director of the bank• Vacation of office of Directors• Removal from office of an elected Director• Filling of Casual vacancy in the office of an

elected Director• Disclosure of interest by directors in certain

arrangements in which they are interested

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ACT / SCHEME/ REGULATIONS / NOTIFICATIONS

PROVISIONS SHORT PARTICULARS

Central Bank of India (Shares and Meetings) Regulations, 1998

Regulation 10Regulation 61Regulation 63Regulation 64Regulation 65Regulation 66Regulation 67Regulation 68Regulation 69Regulation 70

• Exercise of rights of joint holders• Voting at General Meetings• Directors to be elected at general meetings• List of Shareholders• Nomination of candidates for election• Scrutiny of nominations• Election disputes• Determination of voting rights• Voting by duly authorized representative• Proxies

RBI Notification No. DBOD No.BC No. 46 and 47/29.39.001/ 2007-08 dated 01st November 2007 read with Notification No DBOD.BC.No.95/29.39.001/2010-11 dated 23rd May, 2011.

Pursuant to Section 9 (3AA) and Section 9 (3AB) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970

• Fit and Proper criteria for elected directors on the boards of nationalized banks

• EXTRACTSOFACTS/SCHEME/REGULATIONS/NOTIFICATIONINWEBSITE For the convenience of the shareholders, the relevant extracts from Regulation Act, the Act, the Scheme, the Regulations

as well as RBI Notifications No.DBOD.BC.No.46 and 47 /2939.001/2007-08 dated 1st November, 2007 and No.DBOD.BC.No.95/29.39.001/2010-11 dated 23rd May, 2011 will be hosted on the Bank’s website www.centralbankofindia.co.in Such extracts will also be e-mailed to the intending candidates on receipt of a request addressed to the Assistant General Manager-MBD/Company Secretary, at the Bank’s Head Office, Chandermukhi, Nariman Point, Mumbai 400 021, on or before the last date fixed for submission of nomination forms viz. Tuesday, 16th June 2015.

• QUALIFICATIONSFORACANDIDATE The candidate shall comply with the qualifications prescribed in Section 9(3A) of the Act and shall not suffer the

disqualifications specified in Clause 10 of the Scheme and shall satisfy the conditions mentioned in Regulation 65 of the Regulations, are detailed herein.(a) In terms of Section 9(3A) of the Act, a candidate being a shareholder of the Bank and who desires to be a Director of

the Bank shall -(A) have special knowledge or practical experience in respect of one or more of the following matters namely,-

agricultural and rural economy,banking,co-operation,economics,finance,law,small scale industry,

any other matter the special knowledge of, and practical experience in which, would, in the opinion of the Reserve Bank of India, be useful to the Bank;

(B) represent the interests of depositors; or(C) represent the interest of farmers, workers and artisans.

(b) In terms of Section 9(3AA) of the Act and RBI Notification, a candidate being a shareholder of the Bank and who files nominations to be a Director of the Bank should possess ‘Fit and Proper’ status based upon track record, integrity and such other criteria as the Reserve Bank may notify from time to time in this regard.

(c) Further, the elected director should execute the Deed of Covenants and is required to furnish annual declarations as prescribed by the Reserve Bank of India in this regard.

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• DISQUALIFICATIONFROMBEINGELECTEDASADIRECTOROFTHEBANK(A) In terms of Clause 10 of the Nationalised Banks(Management and Miscellaneous Provisions) Scheme, 1970, a

person shall be disqualified for being appointed, as and for being, a director –(a) if he has at any time been adjudicated an insolvent or has suspended payment or has compounded with his

creditors; or(b) if he has been found to be of unsound mind and stands so declared by a competent Court; or(c) if he has been convicted by a Criminal Court of an offence which involves moral turpitude; or(d) If he holds any office of profit under any nationalised bank or State Bank of India constituted under sub-section (1)

of section 3 of the State Bank of India Act, 1955,or any subsidiary bank as defined in section 3 of the State Bank of India (Subsidiary Banks) Act, 1959, except for holding the post of a whole-time director, including the managing director and directors nominated under clauses (e) and (f) of sub-section (3) of Section 9 of the Act from among the employees of the Bank.

and(B) In terms of Notifications of Reserve Bank of India - DBOD. No. BC.No.46 and 47/29.39.001/2007-08 dated 01st

November 2007 read with No.DBOD.BC.No.95/29.39.001/2010-11 dated 23rd May 2011, if he is not found to be ‘Fit & Proper’ person, by the Nomination Committee of the Directors of the Bank.

• LISTOFSHAREHOLDERStoCONTESTANTS A list of Shareholders of the Bank as on Friday,29th May 2015 will be available for sale on and from Tuesday,2ndJune

2015 onwards on payment of Rs.50,000/-(RupeesFiftyThousandOnly) by Demand draft in favour of “Central Bank of India” payable at Mumbai alongwith a request addressed to the Assistant General Manager-MBD/Company Secretary, Central Bank of India, Head Office, 9th Floor, Chandermukhi, Nariman Point, Mumbai – 400 021. The intending candidates may also inspect the List of Shareholders and take extracts there from. .

• INSPECTIONOFREGISTEROFSHAREHOLDERS The Register of Shareholders is open for inspection at the Central Office of the Bank from Monday to Friday between 11

A.M. to 3 P.M. and on Saturday from 11 A.M. to 1 P.M. (other than Bank Holidays). If any shareholder requires a copy or computer prints of the register or part thereof, the same shall be supplied to him on pre-payment at the rate of Rs. 5/- for 1000 words or fractional part thereof required to be copied.

• PARTICIPATIONINELECTION Such of those shareholders whose names appear on the Register of Members/Beneficial owners as furnished by NSDL/

CDSL/RTA as on 29th May, 2015, shall be entitled to participate i.e. nominate, contest and vote in election of directors from amongst Shareholders other than the Central Government.

As per Regulation 68, each shareholder who has been registered as a shareholder as on 29th May, 2015, the Specified Date, prior to the date of a general meeting, shall have one vote on show of hands and in case of a poll shall have one vote for each share held by him.

• NOMINATIONS: Validity of Nominations In terms of Regulation 65 of the Regulations and in terms of Notifications of Reserve Bank of India-DBOD.No.BC.No.46

and 47/29.39.001/2007-08 dated 01-11-2007 read with No.DBOD.BC.No.95/29.39.001/2010-11 dated 23rd May, 2011 and other applicable provisions of various Acts, nomination of a candidate for election as a Director will be valid provided:(a) he is a shareholder holding not less than100 (One hundred) shares in the Bank as on Friday, 29th May 2015 being the

Specified Date for participating in the election;(b) as on Tuesday, 16th June 2015 (the last date for receipt of nominations), he is not disqualified to be a director under

the Act, the Scheme or RBI Notification;(c) the nomination is in writing signed by atleast one hundred shareholders entitled to elect directors under the Act

or by their duly constituted attorney, provided that a nomination by shareholder who is a company may be made by a resolution of the directors of the said company and where it is so made, a copy of the resolution certified to be a true copy by the Chairman of the meeting at which it was passed shall be dispatched to the Head Office of the Bank addressed to Assistant General Manager –MBD & Company Secretary, Central Bank of India, 9th Floor, Chandermukhi, Nariman Point, Mumbai 400 021 and such copy shall be deemed to be nomination on behalf of such company;

(d) the nomination by the shareholders (Minimum 100) is accompanied by a declaration by the candidate as per the specimen forms of nomination and declaration furnished in this Notice, duly signed by the candidate before a Judge,

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Magistrate, Registrar or Sub-Registrar of Assurances or other Gazetted Officer or an officer of the Reserve Bank of India or any Nationalised Bank, that he accepts the nomination and is willing to stand for election, and that he is not disqualified from being a director, either under the Banking Regulation Act or the Act or the Scheme or the Regulations or the RBI Notification alongwith his/her personal details (bio data) duly signed and affirming that such details are true to the best of his knowledge and belief and also his/her undertaking to keep the Bank fully informed as soon as possible of such events which are relevant to the information, subsequent to the declaration.

(e) the Nomination Forms and the Declaration Form are as prescribed by the Regulations and as per the Proforma annexed (the Proforma is also available on the Bank’s Website- www.centralbankofindia.co.in).

SUBMISSION OF NOMINATION FORMSShareholders desirous of contesting the election of the Directors should submit

a) duly filled in Declaration Form;b) nominations from minimum of 100 shareholders entitled to participate in the elections;c) Personal Information, Declaration and Undertaking together with the concerned documents, testimonials, viz., Bio

data, Certificates of Educational qualification, experience, etc. in the formats annexed to this notice, in a sealed envelope to the Assistant General Manager – MBD & Company Secretary, Central Bank of India, Central Office, 9th Floor, Chandermukhi, Nariman Point, Mumbai 400 021, together with the connected documents, complete in all respects, on a working day at least 14 days before the date of the meeting, i.e. on or before closing hours of the Bank at 5.00 pm on Tuesday,the16thJune2015.

• SCRUTINYOFNOMINATIONSANDELECTIONOFDIRECTORSa) Nominations shall be scrutinized onWednesday,17thJune2015, the next working day following the date fixed for

the receipt of the nominations and in case any nomination is not found to be valid, the same shall be rejected after recording the reasons thereof.

b) Nominations shall also be subjected to scrutiny by the Nominations Committee of the Board in terms of the ‘Fit and Proper’ Guidelines dated 01st November 2007 and 23rd May 2011 issued by the Reserve Bank of India.

c) If there are only TWO valid nominations for the TWO vacancies to be filled by the election, the candidates so nominated shall be deemed to be elected forthwith and their names and addresses shall be published as so elected. In such an event there shall not be any election at the meeting convened for the purpose. The elected candidates shall assume office from the date next to the date on which they are declared as elected.

d) In the event of an election being held, If the valid nominations are more than TWO, the candidates polling the majority of votes at the election will be deemed to have been elected and their names will be announced by the Chairman and also published in newspapers. They will assume office on 1st July 2015.

e) If there is any dispute, the same shall be settled as per Regulation 67 of the Regulations.

WITHDRAWALOFNOMINATIONS

If any candidate desires to withdraw his nomination, he would be entitled to do so at any time prior to closing hours of the Bank on Saturday, 27th June 2015.

INTEREST OF DIRECTORS

Directors of Bank may be deemed to be concerned or interested in the aforementioned item of business in case they contest the election.

BY ORDER OF THE BOARD OF DIRECTORS

Sd/- Place: Delhi A K DASDate: 25.05.2015 Assistant General Manager-MBD/ Company Secretary

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DECLARATION

(BYTHECANDIDATE)

( Refer Regulation 65 of the Regulations)

I,Shri/Smt son/daughter/wife of Shri/Smt. , residing at hereby confirm that:

a. I am a shareholder holding __________ equity shares of Rs.10/- each (fully paid up) of CENTRAL BANK OF INDIA under Folio No. /DP ID No. /Client ID No. as on Friday,29th May, 2015beingtheSpecifiedDatefor participating in the Elections and

b. I have special knowledge or practical experience in* (i) Agriculture and Rural Economy, (ii) Banking, (iii)Co-operation, (iv)Economics, (v)Finance, (vi)Law, (vii)Small Scale Industry, or (special knowledge of and practical experience of which in the opinion of Reserve Bank of India, would be useful to the Bank) and I represent the interest of Depositors / Farmers, Workers and Artisans, in terms of sub section 3A of Section 9 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and as an evidence thereof I submit herewith the relevant testimonials, and

c) I accept the nominations numbered from to , and

d) I am willing to contest the election for Director of Central Bank of India, and

e) I am not disqualified from being a Director of the Bank under the provisions of the Banking Regulation Act, 1949, The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 , the Central Bank of India (Shares and Meetings) Regulations, 1998 and RBI Notification, and

f) I neither hold any office of profit nor I am an employee of any nationalised Bank or State Bank of India constituted under sub-section (1) of Section 3 of the State Bank of India Act, 1955 or any subsidiary bank as defined in Section 3 of the State Bank of India (Subsidiary Banks) Act, 1959.

g) I enclose my personal Information details which are to the best of my knowledge and belief are true and complete; and

h) I undertake to keep the Bank fully informed, as soon as possible, of events, if any, which take place subsequent to this declaration which are relevant to the information provided hereto and to execute the Deed of Covenants upon my election as a Director of the Bank.

NameSignatureNo. of SharesRegd. Folio No.(If not Dematerialised)DP ID No. and Client ID No.(If Dematerialised)PlaceDate

The above declaration was signed before me

Signature with Seal and ___________________________

Name of the attesting official _______________________

The declaration must be signed by the nominee before a Judge, Magistrate, Registrar or Sub-Registrar of Assurances, or other Gazetted Officer or an Officer of Reserve Bank of India or any Nationlised Bank.

* Tick whichever is applicable.

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NOMINATION FORM(BYTHESHAREHOLDER)

( Refer Regulation 65 ( d ) of the Regulations)

To,The Chairman & Managing DirectorCentral Bank of IndiaCentral Office,Chandermukhi, Nariman Point,Mumbai 400021Dear Sir,

Nomination for Election of a DirectorWith reference to your Notice dated 25.05.2015, I, Shri/Smt a shareholder of Central Bank of India, holding equity shares of Rs. 10/- each (fully paid up) as on Friday, 29th May 2015 being the Specified Date for the purpose of participation in the election, do hereby nominate Shri/Smt.

son/daughter/wife of Shri/Smt. residing at for being elected as a Director of Central Bank of India representing the shareholders of the Bank as provided in Section 9 (3) (i) of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, at the Annual General Meeting of the shareholders to be held on Tuesday, 30th June, 2015.

Signature

Name

No. of Shares

Regd. Folio No.(If not Dematerialised)DP ID No. and Client ID No.(If Dematerialised)Place

Date

Notes :1. In case nomination is made by a Body Corporate, the nomination form should be accompanied by a certified true copy

of the resolution passed by the Board of Directors under the signature of the Chairman of the meeting at which it was passed.

2. Signatures of the shareholders nominating the candidate should match with the specimen signatures available with the Share Transfer Agent of the Bank.

3. If any of the columns above is left Blank or the particulars are found to be incorrect, the nomination is liable to rejected.

Sl.No.

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Affix Self Attested Passport

Size Photo here

FORMAT FOR PROVIDING PERSONAL INFORMATION, DECLARATION AND UNDERTAKINGDeclaration and Undertaking by the Candidate with enclosures as appropriate as on _________ 2015

I. Personaldetailsofthecandidate1. NameinFull(inblockcapitalletters)2. Father’sName(inFull)3. Date of Birth4. Nationality5. (1) Permanent Account Number (under the Income Tax

Act).(2)NameandaddressofIncomeTaxCircle/Divisionwherepersonaltaxreturnsarebeingfiled.

6. PermanentAddress7. PresentAddress

(Forcorrespondence)8. (1) E-mail ID

(2) TelephoneNumber(Landline)(3) CellPhoneNumber

II. QualificationandExperience1. Qualifications(Educational/academic)

(Please attach self attested copies of the certificatessupportingtheinformation).

2. Qualifications(Professional)(Please attach self attested copies of the certificatessupportingtheinformation).

3. Knowledge(As required under Section 9(3-A) of the BankingCompanies (Acquisition and Transfer of Undertakings)Act, 1970.

4. Experience(Please indicate your experience relevant to thedirectorshipoftheBank).

5. AnyotherinformationrelevanttoDirectorshipoftheBank.III. DetailsofRelationshipsofthecandidate1. Details ofRelatives, if any,whoare connectedwith the

Bank in any way [Please refer to Section 2(77) of theCompaniesAct,2013readwithRule4oftheCompanies(SpecificationofDefinitionsDetails)Rules,2014.]

2. List of entities if any in which he/she is considered asbeing interested[ReferSection2(49)andSection184oftheCompaniesAct,2013].

3. DetailsofsharesoftheCentralBankofIndiaheld,ifany,inthenameofthecandidate:(Pleaseindicatethenumberofsharesheld,facevalue,ledgerfolionumber(s)orDPIDandclientID).

4. a List of entities inwhich the candidate is considered asholdingsubstantialinterestwithinthemeaningofSection5(ne)oftheBankingRegulationAct,1949.

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4.b ListofentitiesinwhichtherelatedpartiesofthecandidateareconsideredasholdingsubstantialinterestwithinthemeaningofSection5(ne)oftheBankingRegulationAct,1949.

5. Directorship/Membership on the Board(s) of bank(s)duringthepastsixyears(Pleasegivethename(s)ofthebank(s), the relevant provisionsof theAct underwhichtheappointment/nominationwasmadeandtheperiodofholdingsuchMembership/Directorship).

6. Fund and non-fund facilities, if any, presently beingenjoyedbythecandidatefromtheinstitutionslistedat3,4(a)and5above.

7. Cases,ifany,wherethecandidateorentitieslistedat3,4(a),4(b)and5aboveareindefaultorhavebeenindefaultinthepastinrespectofcreditfacilitiesobtainedfromtheCentralBankofIndiaBankoranyotherbank.

IV. ProfessionalAchievements1. Professional achievements (Please furnish the details

of the achievements which may have a bearing on thedirectorshipofthebank).

V. Proceedings,ifany,againsttheCandidate1. Ifthecandidateisamemberofaprofessionalassociation/

body, details of disciplinary action, if any, pending orcommencedorresultinginconvictioninthepastagainsthim/herorwhetherhe/shehasbeenbannedfromentryofatanyprofession/occupationatanytime.

2. Detailsofprosecution,ifany,pendingorcommencedorresultinginconvictioninthepastagainstthedirectorand/oragainstanyoftheentitieslistedinIII-2,4(a),4(b)and5aboveforviolationofeconomiclawsandregulations.

3. Details of criminal prosecution, if any, pending orcommencedorresultinginconvictioninthepastagainstthecandidateincludingpresentlitigationifany.

4. Whether the candidate/director attracts any of thedisqualifications envisaged under Section 164 ofthe Companies Act, 2013 read with Clause 10 of theNationalised Banks (Management and MiscellaneousProvisions)Scheme,1970?

5. HasthecandidateoranyoftheentitiesatIII-2,4(a),4(b)and 5 above been subject to any investigation at theinstanceofGovernmentdepartmentoragency?

6. Has the candidate at any time been foundguilty of violation of rules/regulations/legislative requirements by customs/ excise/ incometax/foreignexchange/otherrevenueauthorities;ifsogiveparticulars.

7. Whether thecandidate/directorhadatany timecome totheadversenoticeofaregulatorsuchasSEBI,IRDA,RBI,MCA, FEMA etc.(Though it shall not be necessary for a candidate tomentioninthecolumnaboutordersandfindingsmadebyregulatorswhichhavebeenlateronreversed/setasideintoto,itwouldbenecessaryto make a mention of the same, in case the reversal /setting aside is on technical reasons like limitation orlackof jurisdiction,etc,andnotonmerit. If theorderofthe regulator is temporarily stayed and the appellate /courtproceedingsarepending,thesameshouldalsobementioned).

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8. In carryingouthis/herdutieswill the candidate/directorbe actingon thedirectionsor instructionsof anyotherindividualorinstitutionorbankorcompanies,etc.?Ifso,giveparticulars.

9. Hasthecandidateinhis/herindividualcapacityundertakenanybusinesswiththeBank?Ifso,giveparticulars.

10. Anyotherexplanation/informationinregardtoitemsItoVandother informationconsideredrelevant for judging‘fitandproper’status.

UndertakingI, ........................................................................................................................Son/DaughterofShri ................................................... confirm that theabove information is to thebestofmyknowledgeandbelief, trueandcomplete. Iundertaketokeepthebankfullyinformed,assoonaspossible,ofalleventswhichtakeplacesubsequenttomyelectionasashareholderdirectorofthebank,whicharerelevanttotheinformationprovidedabove.IalsoundertaketoexecutethedeedofCovenantrequiredtobeexecutedbythedirectorsofthebank.

Place :Date: SignatureoftheCandidate

Enclosures:Note: 1. Whereverspaceisnotsufficient,pleaseattachtheinformationasannexureinchronologicalorderandwith

appropriate cross reference. 2. Allpages(includingannexures)arerequiredtobesignedbythecandidate.ObservationsoftheNominationCommittee:

SignatureofMember SignatureofMember SignatureofMember

Place :Date :

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TOTALBUSINESS(RS.INCRORES)PARAMETERS MAR.07 MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14 MAR. 15

Total Business 1,36,265 1,84,607 2,18,012 2,69,225 3,10,763 3,46,898 4,02,272 4,23,390 4,50,539

YoY Growth 35.48 % 18.10 % 23.49 % 15.43 % 11.63 % 15.96 % 5.25 % 6.41%

Total Deposits 82,776 1,10,320 1,31,272 1,62,107 1,79,356 1,96,173 2,26,038 2,40,069 2,55,572

YoY Growth 33.28 % 18.99 % 23.49 % 10.64 % 9.38 % 15.22 % 6.21 % 6.46%

Total Loans & Advances 53,489 74,287 86,740 1,07,118 1,31,407 1,50,725 1,76,234 1,83,321 1,94,967

YoY Growth 38.88 % 16.76 % 23.49 % 22.67 % 14.70 % 16.92 % 4.02 % 6.35%

Investments 29,037 32,646 44,445 52,008 54,847 59,577 72,662 86,384 95,655

YoY Growth 12.43 % 36.14 % 17.02 % 5.46 % 8.62 % 21.96 % 18.88 % 10.73%

CD Ratio 64.62 % 67.34 % 66.08 % 66.08 % 73.27 % 76.83 % 77.97 % 76.36 % 76.29

Return on Assets 0.62 % 0.54 % 0.45 % 0.66 % 0.70 % 0.26 % 0.44 % (0.47 %) 0.21%

PROFITABILITY(RS.INCRORES)PARAMETERS MAR.07 MAR.08 MAR.09 MAR.10 MAR.11 MAR.12 MAR.13 MAR.14 MAR. 15

Gross Income 6,710 8,787 11,525 13,799 16,486 20,545 23,528 26,350 28,303

YoY Growth 30.94 % 31.17 % 19.73 % 19.47 % 24.62 % 14.52 % 11.99 % 7.41%

Gross Expenses 5,444 7,518 10,088 11,741 13,895 17,730 20,355 23,112 24,744

YoY Growth 38.10 % 34.18 % 16.38 % 18.35 % 27.60 % 14.81 % 13.54 % 7.06%

Operating Profit 1,266 1,268 1,437 2,058 2,591 2,815 3,173 3,238 3559

YoY Growth 0.20 % 13.28 % 43.24 % 25.90 % 8.65 % 12.72 % 2.05 % 9.91%

Net Profit 498 550 571 1,059 1,252 533 1,015 (1,263) 606

YoY Growth 10.47 % 3.83 % 85.36 % 18.24 % (57.43 %) 90.43 % (224.43 %) 147.98

NIM (%) 3.28 2.53 1.97 1.86 3.31 2.78 2.65 2.73 2.79

Net Interest Income 2,474 2,223 2,228 2,545 5,326 5,169 5,738 6,493 7,247

YoY Growth (10.16 %) 0.22 % 14.23 % 109.27 % (2.95 %) 11.01 % 13.16 % 11.60%

Non Interest Income 476 791 1,070 1,735 1,265 1,395 1,667 1,923 1,894

YoY Growth 66.31 % 35.26 % 62.15 % (27.09 %) 10.28 % 19.50 % 15.35 % (1.51 %)

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DIRECTORS’ REPORT 2014-15Your Directors have pleasure in presenting the Annual Report of the Bank along with the Audited statement of Accounts, the Profit and Loss accounts and the cash flow statement for the year ended March 31, 2015.1. PERFORMANCE HIGHLIGHTS Total Business of the Bank increased by Rs. 27149 crore to Rs. 450539 crore from Rs. 423390 crore in previous year,

registering y-o-y growth of 6.41 per cent. Total Deposits increased by Rs.15503 crore to Rs. 255572 crore, registering y-o-y growth of 6.46 per cent. Total Advances of the Bank grew by Rs. 11646 crore to Rs. 194967 crore, registering y-o-y growth of 6.35 per cent. Operating Profit increased to Rs. 3559 crore from Rs. 3238 crore in FY 2013-14, registering y-o-y growth of 9.91 per

cent. Net Profit stood at Rs. 606 crore in 2014-15 as against net loss of Rs. 1263 crore in FY 2013-14, thereby registering

y-o-y growth of 147.98 per cent. Capital Adequacy Ratio (as per Basel-II) stood at 11.89 per cent with Tier I at 8.46 percent as against 11.96 per

cent in previous year. Capital Adequacy Ratio (as per Basel III) stood at 10.90 per cent with Tier I at 8.05 percent as against 9.87 per cent in previous year.

Net worth increased to Rs. 15643 crore from Rs. 13918 crore. Gross NPA of the Bank increased by Rs. 373 crore to Rs. 11873 crore from Rs. 11500 crore in previous year. In

percentage term Gross NPA has decreased to 6.09 per cent in FY 2014-15 from 6.27 per cent in last year. Net NPA increased to Rs.6807 crore from Rs.6649 crore in previous year. Net NPA percentage has decreased to

3.61 per cent from 3.75 per cent in previous year. Provision Coverage Ratio (PCR) improved to 55.16 per cent from 50.68 per cent in March 2014. Net Interest Margin (NIM) improved to 2.79 per cent from 2.73 per cent in FY 2013-14. Business per Employee increased to Rs. 1138 lakh from Rs. 1025 lakh in previous year. Return on Assets (ROA) is 0.21 per cent for the current financial year. Credit to Priority Sector increased to Rs. 75997 crore from Rs. 68652 crore in previous year, recording y-o-y growth

of 10.70 per cent. Agriculture Advance of the Bank increased to Rs. 35,957 crore from Rs. 35,387 crore in FY 2013-14 registering y-o-y

growth of 1.61 per cent. Under the micro credit & other (credit upto Rs. 50,000 per borrower), Bank has extended credit of Rs. 206 crore during

FY 2014-15. Advances to Micro & Small Enterprises (MSE) increased to Rs. 26503 crore during the year under review from Rs.

21515 crore in previous year. Education Loan grew by 15.50 per cent during the year and the total loan reached to Rs. 3442 crore. Bank has established 46 Rural Self Employment and Training Institute (RSETIs) in 9 States of the country viz.

Madhya Pradesh(18), Bihar(9), Maharashtra(6), Uttar Pradesh(5), West Bengal(3), Chhattisgarh(2), Rajasthan(1), Orissa(1) and Assam(1). During the year 2014-15, the RSETIs conducted 891 training programmes and imparted training to 24290 candidates. Out of this, 14816 (i.e.61%) trainees were settled through bank credit, wage settlement and self-finance.

Bank has 3 RRBs as on 31st March 2015 in 3 states covering 47 districts with a network of 1622 branches. Under Financial Inclusion Bank has covered 4,330 villages with population above 2000 and 18,371 villages with

population below 2000. Bank has covered all these villages through 6,382 BC Agents. We have also opened 238 Branches in unbanked rural centres. Bank has opened all its 3677 Ultra Small Branches attached to 1427 Base Branches. Bank has opened 146.71 lacs Basic Saving Bank Deposit Accounts (BSBDA) through its BCs and Branches. Total balance in these accounts is 763.99 crores as on 31st March, 2015.

Under PradhanMantriJanDhanYojanaour Bank has opened 57.35 lacs BSBD accounts and increased business with a deposit of Rs.317.82 Crores.

The corporate credit of the Bank decreased to Rs. 97,608 crore from Rs. 97,568 crore in previous year registering y-o-y reduction of 0.04 per cent.

The retail credit grew by 21.27 per cent from Rs. 28,811 crore in FY 2013-14 to Rs. 34,939 crore in FY 2014-15. Total earning from Bancassurance business is Rs. 25.27 crore for FY 2014-15.

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As on 31st March 2015, Bank has a network of 4689 branches, 3677 ultra-small branches (USBs), 4835 ATMs, 29 Satellite Offices & 4 Extension Counters across the country.2. INCOME & EXPENDITUREDetails of income and expenditure for the period 2014-15 are given hereunder:

Rs. In Crores 31.03.2015 31.03.2014 Variation %1 INTEREST INCOME 26409 24427 1982 8.11 -Advances 19517 18620 897 4.82 -Investments 6707 5764 943 16.36 -Others 185 43 142 330.232 OTHER INCOME 1894 1923 (29) (1.51)3 TOTALINCOME(1+2) 28303 26350 1953 7.414 INTEREST EXPENDED 19162 17933 1229 6.85 -Deposits 17520 16374 1146 7.00 -Others 1642 1559 83 5.325 OPERATING EXPENSES 5582 5179 403 7.78 -Establishment 3825 3537 288 8.14 -others 1757 1642 115 7.006 TOTALEXPENSES(4+5) 24744 23112 1632 7.067 SPREAD (1-4) 7247 6494 753 11.608 OPERATING PROFIT (3-6) 3559 3238 321 9.919 PROVISIONS-NPA/INVST./OTHERS 2669 4233 (1564) (36.95)10 PROVISIONS FOR TAX 284 268 16 5.9711 NET PROFIT 606 (1263) 1869 147.98

Interest Income grew by 8.11 per cent during the year Interest expenses on Deposits increased by 7.00 per cent to Rs. 17520 crore in March 2015 from Rs. 16374 crore in

previous year. Expenses on employees increased by Rs. 288 crore during the year to Rs. 3825 crore from Rs. 3537 crore in previous

year.3. PROVISIONSDetails of Total Provisions of Rs.2953 crore charged to the Profit and Loss Account during the year 2014-15 vis-a-vis previous year are detailed as under:

(Rs.incrore) 31.03.2015 31.03.2014 VariationProvisions for Standard Assets 39 (7) 46Provisions for NPAs 2610 3989 (1379)Provision on Investments (21) 258 (279)Provisions for Taxes 284 268 16Others 41 (7) 48TOTAL 2953 4501 (1548)

4. PROFITABILITY RATIO

(In percentage) 31.03.2015 31.03.2014Cost of Deposits 7.22 7.24Cost of Funds 7.34 7.37Yield on Advances 10.75 10.79Yield on Investments 8.22 7.84Net Interest Margin 2.79 2.73Cost Income Ratio 61.07 61.53

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5. BANKING RATIOS

(In percentage)2014-15 2013-14

Interest Income to Average Working Fund (AWF) 9.29 9.18Non-Interest Income to AWF 0.67 0.72Operating Profit to AWF 1.25 1.22Return on Average Assets 0.21 --Business Per Employee (Rs. in lakh) 1138 1025Net Profit per Employee (Rs. in lakh) 153 --

6. CAPITALTORISKWEIGHTEDASSETSRATIO(CRAR)The components of Capital Adequacy Ratio were as under:

31.03.2015 31.03.2014Basel-II Basel-III Basel-II Basel-III

Tier-I 8.46 8.05 8.12 7.37Tier-II 3.43 2.85 3.84 2.50CapitalAdequacyRatio 11.89 10.90 11.96 9.87

7. NET PROFIT & DIVIDEND The Bank earned Net Profit of Rs. 606 crore for the financial year 2014-15. The Board of Directors are pleased to

recommend a dividend @ 5 per cent on the Equity Share Capital i.e. Rs. 0.50/- per equity share of Rs.10/- each.8. CHANGES IN THE BOARD DURING THE YEAR During the year under review, the following changes took place in the Board of Directors of the Bank: Shri Guman Singh ceased to be the Part-Time Non-official Director of the Bank w.e.f. August 08, 2014 consequent

upon expiry of his term on August 07, 2014. Shri Animesh Chauhan ceased to be the Executive Director of the Bank w.e.f. 31st December, 2014 upon elevation

as Managing Director & Chief Executive Officer of Oriental Bank of Commerce. Prof. N. Balakrishnan, who was elected as Shareholder Director of the Bank under section 9(3)(i) of Banking

Companies (Acquisition and Transfer of Undertakings) Act, 1970 for a period of three years from January 10, 2012 has ceased to be the Director of the Bank w.e.f. close of working hours on January 09, 2015 consequent upon completion of his tenure.

The Board places on record its appreciation of valuable contribution extended by Shri Guman Singh, Shri Animesh Chauhan and Prof. N. Balakrishnan who ceased to be the directors of the Bank during Financial Year 2014-15.

9. WHISTLEBLOWERPOLICY Bank follows Central Vigilance Commission Guidelines on Whistle Blower complaints under Public Interest Disclosure

and Protection of Informers (PIDPI) resolution. Bank also has a web based portal in the name of “Cent Vigil” to facilitate reporting malpractices by employees and directors without revealing their identities which would be known to the Chief Vigilance Officer only. Directors and Employees may also approach Chairman of the Audit Committee on need basis. This helps to curb malpractices, prevent frauds and boost up morale of the employees.

10. DIRECTORS’ RESPONSIBILTY STATEMENT The Directors confirm that in the preparation of the annual accounts for the year ended March 31, 2015; The applicable accounting standards have been followed along with proper explanation relating to material departure,

if any; The accounting policies framed in accordance with the guidelines of the Reserve Bank of India were consistently

applied; Reasonable and prudent judgement and estimates were made so as to give a true and fair view of the state of affairs

of the Bank at the end of the financial year and of the profit of the Bank for the year ended March 31,2015; Proper and sufficient care was taken for the maintenance of adequate accounting records in accordance with the

provisions of the applicable laws governing banks in India ; and The accounts have been prepared on a going concern basis. Internal Financial Control are adequate and were operating effectively. Proper systems have been devised to ensure compliance with the provisions of all applicable laws and these systems

were adequate and operating effectively.

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11. CORPORATE GOVERNANCE The Board of the Bank is committed to adapt Corporate Governance practices in letter and spirit. The Bank has adopted

well documented system and practice on Corporate Governance.12. ACKNOWLEDGEMENT The Board of Directors places on record its gratitude to the Government of India, Reserve Bank of India and the Securities

Exchange Board of India for their valuable guidance and support. The Board acknowledges with gratitude the unstinted support and faith of its customers and shareholders. The Board wishes to place on record its appreciation of the dedicated services and contribution made by members of staff for the overall performance of the Bank.

For and on behalf of the Board of Directors

Sd/-Place : Delhi Rajeev RishiDate : May 25, 2015 Chairman & Managing Director

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MANAGEMENT DISCUSSION AND ANALYSISPartA:ECONOMICOVERVIEWGrowth prospects of major economies, though look brighter for the year ahead, continue to be subdued in the near term outlook. Developing countries are widely expected to have a better year ahead given the soft oil prices, low global interest rates and a stronger US economy. While growth in China is slowing down to the official target of around 7%, India is set to grow faster in the next two years. In a major development, the Central Statistics Office, Government of India released the new GDP series shifting the base year to 2011-12 from 2004-05. The new series deploys improved methodologies and uses more data thereby bringing India on par with international standards of GDP estimation. Using the new estimate, the GDP growth of the country for 2015-16 at market prices is expected to be in the range of 8.1 to 8.5%. The Economic Survey published by Government of India, however, takes a balanced view of the growth estimate and states thus in the report: “The balance of evidence and caution counsel in favour of an interpretation of a recovering rather than surging Indian economy” . The series of policy measures undertaken by the Government, ongoing moderation in inflation and the prospects of a softer interest rate regime would provide necessary impetus for reviving industrial production and domestic consumption. Prospects of recovery and growth, therefore, offer reasons to be optimistic about sustainable growth in all business segments.Part- B- PERFORMANCE OF THE BANKBUSINESSAs on 31st March 2015, the Total Business of the Bank was Rs. 450539 crore, registering a growth of 6.41 per cent from the previous year figure of Rs. 423390 crore. The Operating Profit reached to Rs. 3559 from previous year figure of Rs. 3238 crore, making a growth of 9.91 per cent. The Bank has posted Net Profit of Rs. 606 crore in 2014-15 as against Rs. 1263 crore loss in previous year.RESOURCE MOBILISATION The Total Deposits as on March 31, 2015 stood at Rs. 255572 crore, registering a growth rate of 6.46 per cent over previous year. Saving Bank Deposits increased to Rs. 73810 crore with a growth of 11.04% in 2014-15 from Rs. 66474 crore in last year. However, Current Deposits decreased to Rs. 13202 crore in 2014-15 from Rs. 13537 crore in 2013-14. The share of CASA Deposits to Total Deposits was increased to 34.05 per cent as against 33.33 % in last year. Total Core Deposits increased to Rs.228137 crore in 2014-15 with Y-o-Y growth of 21.59 per cent from Rs. 187635 crore in 2013-14 whereas Core Term Deposits grew by 31.13 per cent to reach a level of Rs. 141125 crore in 2014-15 from Rs. 107624 crore in 2013-14.CREDIT As of 31.03.2015, the gross credit of the Bank stood at Rs.194967 crore as against Rs.183321 crore in the previous year, registering y-o-y growth of 6.35 per cent. The growth in credit is diversified in all segments as under:

Rs. in crore

As on 31.03.2014 As on 31.03.2015 Growth(%)CorporateCredit 97608 97568 (0.04)Agriculture 35387 35957 1.63MSE 21515 26503 23.18RetailLending 28811 34939 21.27

CREDIT MONITORING DEPARTMENTBank has introduced a well-defined Monitoring Policy, containing detailed guidelines on SMA (Special Mention Accounts) Management which encompasses all areas of SMA management, Early Warning Signals, Monitoring & Follow-up Measures and Reporting System. PRIORITY SECTOR CREDITAs per RBI directives, 40% of adjusted net bank credit or credit equivalent amount of off-balance sheet exposure, whichever is higher, is to be lent to priority sector. Lending under this sector is therefore, the thrust area of the Bank. We have focused on the growth in lending to Agriculture, MSE, Housing, Education and others which are the major constituents of Priority Sector. As a result, our growth under Priority Sector lending has been quite impressive. The credit deployment under priority sector increased from Rs.68,652 crore to Rs.75997 crore during 2014-15, recording a growth of 10.70% over previous year. RETAIL CREDITTotal outstanding under Retail Lending Schemes increased from Rs.28811 Crore as on 31.03.2014 to Rs.34939 crore as on 31.03.2015 to, registering absolute growth of Rs.6128 Crore with percentage growth of 21% over March 2014. The retail portfolio of the Bank was 17.92%per cent of total advances.INTERNATIONAL DIVISION

Foreign Exchange Business of the Bank is carried out through 89 Authorized Dealer Branches spread across the country. For operational efficiency, Bank has a centralized Dealing Room at Mumbai for attainment of better funds management and operational convenience.

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During the current Financial Year, the Export Credit portfolio of the Bank increased from Rs.5509 crore as on 31.03.2014 to Rs.5571 crore as on 31.03.2015.

Merchant trade foreign exchange turnover was Rs. 44,166.25 crore in FY 2014-15 as against Rs. 43,783 crore in FY 2013-14.

NRE Deposits increased from Rs 2485.28 crore as on 31.03.2014 to Rs 3079 crore as on 31.3.2015 an increase of 23.89% over the previous year.

FCNR Deposits increased from USD 142.12 million as on 31.3.2014 to USD 174.85 million as on 31.03.2015, an increase of over 15% over the previous year.

TREASURY, FUNDS AND INVESTMENT The investment portfolio of the Bank has increased to Rs.95655 crore as on 31st March 2015 as against Rs.86384 crore

as on 31st March 2014 thereby recording an increase of 10.73% over the previous year. The ten year benchmark yield closed at 7.74% as on 31st March 2015 vis-à-vis 8.83% on 31.03.2014.

RBI took a slew of measures to provide stable liquidity by bringing in variants of repo, term repo, variable term and reverse repo during the FY 2014-15. The Repo rates were reduced twice in FY 2014-15 by .50 %( .25% in Jan 15 and .25% in March 15 respectively).

RISK MANAGEMENTRiskManagementSystem/OrganizationalSetUpRisk Management systems are now well established in the Bank. Risk Management Committee of the Board of Directors regularly oversees the Bank’s Risk Management policies/practices under Credit, Market and Operational risks & Pillar II risks. The Committee reviews the policies and procedures for pricing of products and assessing the risk models relative to market developments and also identifies and controls new risks. The committee also regularly monitors compliance of various risk parameters by the concerned departments at the corporate level.RECOVERYThe bank has a well-defined Recovery Policy containing detailed guidelines for NPA Management. It encompasses all areas of NPA Management, Monitoring and Follow-up measures, Compromise settlements, Staff Accountability, SARFAESI Act, appointment of Recovery/Enforcement Agencies, Sale of assets to ARCs, Willful Defaulters and MIS. The Policy is reviewed from time to time to incorporate the latest changes/developments in Economy and trends in NPA Resolution/Management.During the year 2014-15, though Cash Recovery of Rs.1365 crore, Upgradation of Rs.2336 crore and Sale of NPAs Rs.1119 crores, aggregating to Rs.4820 crore, the performance was impacted by the fresh accretion of some high ticket accounts. (21 accounts of Rs.50.00 crore and above amounting to Rs.3092 crores).

INFORMATION TECHNOLOGYThe bank achieved 100% coverage of branches under Centralised Banking Solution (CBS) in December 2010. The contract with System Integrator M/s TCS for Core Banking Solution has been renewed for 5 years starting from 1st October 2012. The contract renewal process essentially involved augmentation/upgradation of the existing computing resources viz. hardware, networking, software, security and other associated requirements including license renewal for CBS implementation in tune with future business projections and other statutory and security obligations. The entire set up is now geared to cope up with the Bank’s requirement till September 2017.

AUDIT AND INSPECTIONBranches of the Bank are subjected to Risk Based Internal Audit through Internal Auditors and Risk Rating is awarded to each branch as per Composite Risk Matrix. As on 31.03.2015 there were 2195 branches with Medium Risk Rating, 2303 branches with Low Risk Rating and 60 branches with High Risk Rating. No branch of the Bank is rated under Very High Risk or Extremely High Risk.BRANCH EXPANSIONAs on 31st March 2015, Bank has network of 4689 branches, 3677 Ultra Small Branches, 4835 ATMs, 29 satellite offices and 4 Extension Counters. Bank is having pan India presence covering all 28 States, 6 out of 7 Union Territories, 561 District Head Quarters and 568 Districts out of 642 districts in the country.

CUSTOMER GRIEVANCES Bank has launched new Grievance Portal with user friendly features as a part of Internal Grievance Redressal Mechanism. To have zero tolerance for customer complaints against staff misbehavior bank has formed a panel of retired General Managers of other PSBs for independent and impartial investigation in the misbehavior incidents.CORPORATE COMMUNICATIONSThe Bank continued to get publicity mileage during the year as efforts were taken under Corporate branding exercise to give wide publicity of Bank’s products and services and garner business out of the activities with the thrust on low cost advertising and active engagement/involvement of the field staff.

95


VIGILANCEDuring the period 2014-15, the vigilance cases as also complaints have been disposed-off much faster. The disposal of Vigilance cases & complaints have increased by 30% [YOY] during the year.HUMAN RESOURCE DEVELOPMENTAt the end of March 2015 the staff strength of the Bank stood at 39,039 as against 40,661 in the previous year. The category-wise break-up of staff is given below:

Category March 2015 March 2014Officers 16,247 16,180Clerks 14,098 15,424Sub-staff 8,694 9,057GrandTotal 39,039 40,661

SUBSIDIARIES AND JOINT VENTURESi. CENTBANK HOME FINANCE LIMITED Owned funds have increased from Rs 82.82 crores as on March 2014 to Rs 88.19 crores as on March 2015 due to

consistent growth in profits. During the year the total advances of the company improved from Rs. 487.60 Crores in March, 2014 to Rs.803.53

Crores as on March, 2015, Y-o-Y growth of 71.60%. Housing loans have increased from Rs 356.03 crores in March 2014 to Rs.610.95 crores as on March 2015 registering growth of 64.60%. Non Housing loans increased to Rs 131.38 crore from Rs 112.49 crore registering growth of 16.79%.

ii. CENTBANK FINANCIAL SERVICES LIMITED Centbank Financial Services Limited is essentially providing Trusteeship Services including Debenture/Security

Trustee, Executor Trustee and Managing Charitable Trusts etc. The Company is registered with SEBI to undertake Debenture Trusteeship and Merchant Banking activities; while the

Company has discontinued carrying on Mutual Fund Advisor activity.iii. INDO-ZAMBIA BANK LTD. The Bank’s Joint Venture in Zambia is promoted jointly by Government of Zambia and three India Banks viz. Central

Bank of India, Bank of Baroda and Bank of India. While each of the 3 Indian Banks hold 20% equity, Govt. of Republic of Zambia holds the balance 40% equity.

The Bank has been performing well in all parameters and is presently the sixth largest bank in Zambia. During the calendar year 2014, Indo Zambia Bank issued Bonus shares to all the stake holders. Accordingly, our

Bank has received 1,21,24,763 shares of Kwatcha 1 each. During the calendar year 2014, with the approval of RBI, Central Government and the Board of our Bank has infused

our share of capital to the extent of Kwatcha 48.60 Million. As at the end of December 2014, our Bank is holding total 8,32,00,000 shares of Kwatcha 1 each value of which in

INR terms stood at Rs. 81.53 crore. As on 31st March 2015, INR value of the shares was Rs.85.08 crore. iv. RegionalRuralBanks: We have 3 RRBs as on 31st March 2015 in 3 states covering 47 districts with a network of 1622 branches. Being sponsor Bank, we have invested Rs.277.11 crore as 35 % of capital of RRBs. Besides this we have invested

Rs.69.35 crore as perpetual Bonds in these RRBs. AWARDS&ACCOLADES

During the financial yeaar 2014-15, Bank was awarded ‘Second’ prize of the year 2013-14 under linguistic area ‘B’ for our bank’s house journal ‘CENTRALITE’ by Government of India, Ministry of Home Affairs, Rajbhasha Vibhag under their ‘house journal Puraskar Yojana’. The Shield was received by Shri Rajeev Rishi, Chairman and Managing Director at the behest of Hon’ble President Shri Pranab Mukherjee in a glittering function organized a Vigyan Bhawan, New Delhi.

During the financial year 2014-15, Bank also bagged ‘Reserve Bank of India Governor Shield’ for the year 2013-14 for the Implementation of Official Language Policy in Linguistic Region ‘A’ and ‘C’. Both the awards were received by Shri Rajeev Rishi, Chairman and Managing Director from Shri Raghuram G. Rajan, Governor, RBI.

Further, our bank has also received ‘First’ prizes for the best performance in implementation of Official Language Policy in state of Maharashtra, Gujarat and Andhra Pradesh by the state level bankers Committees of these three states.

96


Bank won three awards at CIMSME - MSME Banking Excellence Awards - 2014 event at New Delhi - 1) Best MSME Bank Award for Large Bank - Runner UP, 2) Best Bank award for Financial Inclusion and 3) Special Plaque for Best Performance under ‘PMJDY’.

Central Bank of India was awarded with PMJDY Excellence Award in a glittering function organized by the Federation of Industry Trade and Services at New Delhi.

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CORPORATE GOVERNANCE

Bank’sPhilosophyofCorporateGovernance

Thrust of the Corporate Governance of the Bank is to enhance shareholders’ value by pursuing ethical practices in the conduct of i ts business and maintaining high standard of disclosure and transparency. The Bank has adopted best practices, and standards of governance are monitored by various Committees of the Board. The Board, the Executives and other functionaries have distinctly demarcated roles in achieving the Corporate goals – improved performance and enhanced shareholders’ value.

The equity shares of the Bank are l isted at BSE Limited and National Stock Exchange of India Limited. However, the Bank is not a company but a body corporate under the Banking Companies (Acquisit ion and Transfer of Undertakings) Act, 1970 and is regulated by Reserve Bank of India. Therefore, the Bank shall comply with the provisions of clause 49 of the Listing Agreement entered into with Stock Exchanges to the extent it does not violate the provisions of the Banking Companies (Acquisit ion and Transfer of Undertakings) Act, 1970 and the Guidelines issued by Reserve Bank of India in this regard.

ICRA Limited has reaffirmed the “CGR3+” (pronounced CGR 3 plus) rating to the Corporate Governance practices of our Bank. This rating implies that in ICRA’s current opinion, the rated company has adopted and follows such practices, conventions and codes as would provide its f inancial stakeholders adequate level of assurance on the quality of Corporate Governance.

BoardofDirectors

The Bank is constituted under the Banking Companies (Acquisit ion and Transfer of Undertakings) Act, 1970 (as amended from time to t ime). The general superintendence, direction and management of the affairs and business of the Bank is vested in the Board of Directors presided over by the Chairman and Managing Director.

The composit ion of the Board of Directors of the Bank is governed by the provisions of the Banking Regulation Act, 1949, the Banking Companies (Acquisit ion and Transfer of Undertakings) Act, 1970 as amended and the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, as amended.

During the year under review i.e. 2014-15, the composit ion of the Board was as under:Sr. No.

Name Position Held Period(From – To)

No. of Equity Shares of the Bank held as

on 31.03.2015

Area of Expertise

Membership / Chairmanship of Committees of Board of Central Bank of India as on 31.03.2015

Directorship of other Companies as on 31.03.2015

Whether attended last AGM on June

30, 2014Member Chairman1. Shri Rajeev

RishiChairman and

Managing Director

From

01.08.2013

NIL Banking MCB,

RMC,

LVFC,

CSC,

ITS.

SRC,

IFRS,

VIG

CAC,

HR,

MRC

MCB,

RMC,

LVFC,

CSC,

IFRS,

VIG,

CAC,

HR,

MRC

-Indo Zambia Bank Ltd.

-India Infrastructure

Finance Co. Ltd.

Yes

2. Shri R.K.Goyal Executive Director

From

11.01.2013

NIL Banking MCB,

ACB,

RMC,

LVFC,

CSC,

ITS,

SRC,

IFRS,

CAC,

HR,

MRC

NIL -Cent Bank Home Fin. Ltd.

-Cent Bank Financial Services

Ltd.

Yes

98


Sr. No.



on 31.03.2015

Area of Expertise




30, 2014Member Chairman3. Shri Animesh

ChauhanExecutive Director

05.08.2013 –31.12.2014

NIL Banking MCB,

ACB,

RMC,

LVFC,

CSC,

ITS,

SRC,

IFRS,

CAC,

HR,

MRC

NIL -Cent Bank

Home Finance Ltd.

Yes

4. Shri B.K. Divakara

Executive Director

From23.01.2014

NIL Banking MCB,

ACB,

RMC,

LVFC,

CSC,

ITS,

SRC,

IFRS,

CAC,

HR,

MRC

NIL -Cent Bank Home Finance Ltd.

-Cent Bank Financial Services

Ltd.

Yes

5. Shri R. C. Lodha

Executive Director

From11.03.2015

NIL Banking MCB,

ACB,

RMC,

LVFC,

CSC,

ITS,

SRC,

IFRS,

CAC,

HR,

MRC

NIL NIL Not a Director on the date of

AGM

6. Dr. Saurabh Garg

Government of India

Nominee Director

From19.02.2014

NIL Administration ACB,

RMC,

LVFC,

RC,

VIG,

MRC,

HR

RC Delhi-Mumbai Industrial Corridor

Trust

No

7. Shri Shekhar Bhatnagar

RBI Nominee Director

From13.03.2014

NIL Banking MCB,

ACB,

RC,

VIG

NIL NIL No

8. Prof. N. Balakrishnan

Shareholder Director

20.11.2008 - 19.11.2011 and from

10.01.2012 -09.01.2015

160 Information Technology

RMC,

CSC,

ITS,

SRC

ITS,

SRC

i) C-DOT Alcatel Research Centre Pvt. Ltd.

ii) Data Security Council of India.

Yes

13. Shri Guman Singh

Part Time Non-official

Director

08.08.2011-

07.08.2014

NIL Retired Railway official

MCB,

ACB,

CSC,

IFRS

NIL NIL Yes

99


Sr. No.



on 31.03.2015

Area of Expertise




30, 2014Member Chairman14. Shri M.P.

ShorawalaPart Time

Non-official Director

From 03.01.2013

NIL Lawyer MCB,RMC,ITS,

IFRS,HR

NIL Vishwa Lakshmi Exports (P) Ltd.

No

15. Shri Krishan Sethi


Director

From 28.02.2013

NIL Professional ACB,RMC,LVFC,IFRS,

ACB NIL Yes

16. Shri S.B. Rode Officer Employee Director

From 02.04.2013

133 Banker MC,LVFC,CSC,SRC

NIL NIL Yes

17. Shri Gurbax Kumar Joshi

Workmen Employee Director

From 10.07.2013

NIL Banker MCB,CSC,ITS,SRC

NIL NIL No

18. Smt. N.S. Rathnaprabha


Director

From 19.12.2013

NIL Social Service ACBRMC,SRC,CSC,RC

NIL NIL Yes

The Chairman and Managing Director and the Executive Directors are whole time Directors of the Bank.

MCB - Management Committee of the Board

ACB - Audit Committee of the Board

RMC - Risk Management Committee

LVFC - Large Value Fraud Committee

CSC - Customer Service Committee

ITS - Information Technology Strategy Committee

SRC - Stakeholders Relationship Committee

RC - Remuneration Committee

IFRS - International Financial Reporting Standards Committee

VIG - Vigilance Committee

CAC - Credit Approval Committee

HR - Human Resources Committee

MRC - Monitoring of Recovery Committee

ManagementCommitteeoftheBoard:The Management Committee of the Board is constituted under The Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970 read with the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970 and it exercises all the powers vested in the Board in respect of financial sanctions, compromises/write off proposals and filing of suits/appeals etc. As on 31.03.2015, it comprised 8 members consisting of the Chairman & Managing Director, 3 Executive Directors, Reserve Bank of India Nominee Director, and 3 other Directors which include 1 Part-Time Non-Official Director, 1 Workmen Employee Director and 1 Officer Employee Director. The Part-Time/Workmen directors are rotated every six months. The Management Committee of the Board met 17 times during the year.CreditApprovalCommittee:Pursuant to newly added clause 13A of the Nationalised Banks (Management and Miscellaneous Provisions) Scheme, 1970, a Credit Approval Committee of the Board of Directors has been constituted w.e.f. 31.01.2012. The Committee exercises the powers of the Board with regards to credit proposals upto Rs.400.00crs, compromise / write off proposals upto Rs.10.00crs, premises proposals upto Rs.15.00lacs per annum (Rural Area), upto Rs.25.00lacs per annum (Semi-urban Area), upto

100


Rs.50.00lacs per annum (Urban Area) and upto Rs.1.00crs per annum (Metro Area). The Present Committee comprises of Chairman and Managing Director, Executive Directors, General Manager (Risk Management) & General Manager/s in charge of Credit, General Manager In Charge of Finance, General Manager In Charge of Premises and General Manager In Charge of Recovery. The Credit Approval Committee met 32 times during the year.AuditCommitteeoftheBoardThe Audit Committee of the Board (ACB) has been constituted by the Board of Directors as per the guidelines of the Reserve Bank of India. The ACB provides direction as well as overseeing the operation of the total audit function of the Bank, which includes the organisation, operationalisation and quality control of internal audit and inspection within the Bank and follow-up on the statutory/external audit of the Bank and inspections of the RBI. The Audit Committee of the Board shall comprise of Executive Directors, Government of India Nominee Director, Reserve Bank of India Nominee Director and two non-official non-executive directors, at least one of them should be a Chartered Accountant. Directors from staff will not be included in the ACB. During the year, the Audit Committee met 12 times.RiskManagementCommitteeIn terms of Reserve Bank of India circular DBOD NO.DP(SC)BC/98/21.04.103/39 dated 7th October, 1999 and vide Board Agenda N.BM/01/2002-03/3.2 of meeting dated 20.04.2002 and vide Board Agenda No.BM/09/2002-03/3.9 of meeting dated 25.11.2002, the Risk Management Committee of the Board is formed. The committee comprises of Chairman & Managing Director, Executive Directors, GOI Nominee Director, RBI Nominee Director and three Non Official Part Time Directors. The Part-Time Non-Official Directors are rotated after every one year. The Committee met 4 times during the year.RemunerationCommitteeThe Remuneration Committee of the Board of Directors was constituted as per Ministry of Finance Communication F.No.20.1.2005-Bo-I dated 09.03.2007 for payment of performance-linked incentive to wholetime Directors. The Committee consists of Govt. of India Nominee Director, Reserve Bank of India Nominee Director and 2 Independent Directors.The Remuneration Committee met on 20.05.2014 for considering the performance-linked incentive to wholetime directors for the Financial Year 2014-15.RemunerationofDirectorsThe Non Official Independent Directors / Non Executive Director were paid sitting fees of Rs.10,000/- for attending every meeting of the Board of Directors and Rs.5,000/- for attending every meeting of various Sub-Committees of the Board, apart from the Bank incurring the usual travelling and stay expenses. Sitting fees are not paid to the Chairman & Managing Director, Executive Directors and Directors who are officials of Government of India / Reserve Bank of India. During the financial year 2014-15, the following amounts have been paid to the Chairman & Managing Directors and Executive Directors as total salary, allowances and perks:

Sr Name Rupeesinlacs

1. Shri Rajeev Rishi (CMD) 25.59

2. Shri Raj Kumar Goyal (ED) 24.28

3. Shri Animesh Chauhan (Ex-ED) 17.91

4. Shri B K Divakara (ED) 17.47

5. Shri R C Lodha (ED) 0.91

During the year under review, the Bank has paid Rs.8,00,000/- (Rupees Eight Lakh only) to the eligible Directors towards sitting fees for attending Board Meetings and Rs.5,90,000/- (Rupees Five Lakh Ninety thousand only) towards attending the Sub-Committee Meetings of the Board.Stakeholders’RelationshipCommitteeIn compliance with SEBI guidelines on Corporate Governance as provided in Clause 49 of the Listing Agreement, Stakeholders’ Relationship Committee (earlier known as Shareholders’/ Investors Grievances Committee) has been constituted, for redressal of the grievances of the shareholders/ investors with regard to the transfer of shares, non-receipt of Annual Report, non- receipt of dividends, etc. All the references/ complaints received from the investors during the year have been replied/ redressed till date. Investors’ grievances are normally attended to within seven days, on receipt of the relevant information. The Committee comprises of Chairman & Managing Director, Executive Directors and two independent Directors. It was headed by Prof. N. Balakrishnan, Shareholder Director on the Board of our Bank till his retirement on 09.01.2015 and thereafter by Shri Krishan Sethi. The Part-Time Non-Official Directors are rotated after every one year. The Committee met 4 times during the year.

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The details of Investor Grievances for the year 2014-15 (01.04.2014 to 31.03.2015) is as under:

1 Grievances pending at the beginning of the year NIL

2 Letters Non Receipt of Share Certificate (s) 6

3 Non Receipt of Dividend Warrants 106

4 Not Receipt of Annual Report 27

5 Non Receipt of Refund Order NIL

6 Correction in Refund Instrument 28

7 Others (NSE, BSE, SEBI) 2

8 Total Grievances received 169

9 Total Grievances attended/resolved 169

10 Total complaints pending at the end of the year NIL

We confirm that no investor’s complaints remained unattended/pending for more than 30 days.

ComplianceOfficerShri Anand Kumar Das, Assistant General Manager-MBD/Company Secretary is the Compliance Officer of the Bank as per Equity Listing Agreement with Stock Exchanges.

ProceedsfromPublicIssues,RightIssues,PreferentialIssues,etc.During the year, Bank has raised Rs. 1207.84 crores (including premium) from Life Insurance Corporation of India in two tranches on 1st August, 2014 & 1st January, 2015 by allotment of 7,10,75,753 & 8,28,90,000 equity shares on preferential basis respectively. Further, Bank has also issued 15,38,68,113 equity shares to Government of India by conversion of entire Perpetual Non-Cumulative Preference Shares (PNCPS) of Rs. 1617.00 crore (161,70,00,000 PNCPS of the face value of Rs. 10.00 each) held by Government of India (GOI). The funds are raised with the primary objective of augmenting Tier-I and Tier-II Capital for strengthening capital adequacy ratio and for enhancing the long-term resources of the Bank. The funds raised, are being utilized for the above purpose.

MeansofCommunicationsThe quarterly financial results (unaudited but subject to limited review by Statutory Auditors) and audited Annual Results were normally published in English, Hindi, Marathi and many regional languages in various leading newspapers, such as, Economic Times, Financial Express, Business Standard, Pudhari (Marathi), etc. The results were also displayed on the Bank’s website at www.centralbankofindia.co.in.

GeneralShareholderInformation 8th Annual General Meeting of the Bank: Day and Date: Tuesday, 30th June, 2015 at 11:00 AM at Sir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital/Reliance Energy Office, JVPD Scheme, Vile Parle (West), Mumbai, 4000561. The Annual General Meeting is relevant for the financial year 2014-152. Date of Book Closure: 25th June 2015 to 30th June, 2015 (Both days inclusive)3. Dividend Payment Date: on or before 30th July 2015

GeneralBodyMeetings:

Sr. No. NatureofMeeting Date & Time Venue

1. Seventh Annual General Meeting 30th June, 2014 11:00 AM Sir Sorabji Pochkhanawala Banker’s Training College, Near Cooper Hospital / Reliance Energy Office, JVPD Scheme, Vile Parle (West), Mumbai, 400056

2. Sixth Annual General Meeting 29th June, 2013, 11:00 AM ------ Same as above ------

3. Fifth Annual General Meeting 27th June, 2012, 4:00 PM ------ Same as above ------

Fourth Annual General Meeting 29th July, 2011 3:00 PM ------ Same as above ------

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ListingonStockExchanges:The shares of the Bank are listed on BSE Limited and National Stock Exchange of India Limited. The scrip codes are as follows:

BSE Ltd. (BSE) 532885

National Stock Exchange of India Ltd. (NSE) CENTRALBK

ISIN Number INE483A01010

Annual Listing fee for 2015-16 has been paid to both the stock exchanges.The Bank has issued Non-Convertible Bonds in the nature of Promissory Notes (Tier-II Capital) from time to time. The relevant outstanding details thereof are as under:

CentralBankofIndiaBonds-Tier-IICapitalpositionason31.03.2015

SeriesParticulars Issuedate TotalValue(Rs.incrores)

ISIN

Lower Tier II-Series X 28.03.2006 578.20 INE483A09146

Lower Tier II-Series XI 04.10.2006 700.00 INE483A09153

Lower Tier II-Series XII 03.03.2008 389.10 INE483A09161

Lower Tier II-Series XIII 10.02.2009 270.00 INE483A09187

Lower Tier II-Series XIV 21.12.2011 500.00 INE483A09245

Upper Tier II-Series I 14.11.2008 300.00 INE483A09179

Upper Tier II-Series II 17.02.2009 285.00 INE483A09195

Upper Tier II-Series III 23.06.2009 500.00 INE483A09203

Upper Tier II-Series IV 20.01.2010 500.00 INE483A09211

Upper Tier II-Series V 11.06.2010 1000.00 INE483A09229

Upper Tier II-Series VI 21.01.2011 300.00 INE483A08015

Basel III Complaint Sr I 08.11.2013 1000.00 INE483A09260

Total 6522.30

All these bonds are listed either on National Stock Exchange of India Ltd. or BSE Ltd. The Bank has paid the Annual Listing fee for 2015-16 to the Exchanges.

MarketPriceData:The monthly high and low on NSE & BSE are as under:

Month NSE BSEHigh Price

(Rs.)LowPrice

(Rs.)High Price

(Rs.)LowPrice

(Rs.)April 2014 57.20 48.30 57.20 48.30

May 2014 85.60 52.00 85.60 51.90

June 2014 89.00 72.80 88.85 72.80

July 2014 81.45 66.30 81.35 66.50

August 2014 71.95 61.90 72.00 62.00

September 2014 68.80 60.00 68.90 60.00

October 2014 67.45 58.15 67.40 58.05

November 2014 78.50 67.20 78.55 67.20

December 2014 92.65 65.95 92.50 66.60

January 2015 106.00 91.35 105.90 91.35

February 2015 120.60 100.70 121.00 100.35

March 2015 109.50 101.20 109.60 101.25

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ShareTransfersandRedressalofShareholders’/Investors’Grievances:Share Transfers, Refund Order, Dividend payments and all other investor related activities are attended to and processed at the office of our Registrar and Transfer Agents. For lodgment of any of these documents and for queries/complaints/ grievances, shareholders and investors are requested to contact the Registrars at the following address:Link Intime India Pvt. Ltd.C-13, Pannalal Silk Mills CompoundLBS Marg, Bhandup (West)Mumbai – 400 078Tel: 022-25946970Fax: 022-25946969Email Id: [email protected]

AddressforcorrespondencewiththeBank:AGM-MBD / Company Secretary and Compliance officerCentral Bank of India9th Floor, ChandermukhiNariman PointMumbai 400 021Contact No. 022- 6638 7818Fax No.: 022- 2283 5198Email id: [email protected]; [email protected]

Shareholdingpatternason31.03.2015

SHAREHOLDING PATTERN AS ON 31.03.2015

CategoryofShareholders No. of Shares No.ofShareholders Total Shares %ofholding

Demat Physical Demat Physical

Central Government 1350827438 0 1 0 1350827438 81.46

Clearing Member 1785002 0 276 0 1785002 0.11

Other Bodies Corporate 27013244 90 938 1 27013334 1.63

Directors 133 0 1 0 133 0.00

Financial Institutions 222440769 0 1 0 222440769 13.41

FII’s 5525146 0 33 0 5525146 0.33

Government Companies 700 0 1 0 700 0.00

Hindu Undivided Family 102322 0 2 0 102322 0.01

Mutual Fund 74973 0 2 0 74973 0.00

Nationalized Banks 246382 0 5 0 246382 0.01

Non Nationalized Banks 452450 0 3 0 452450 0.03

Non Resident Indians 646221 121600 818 1 767821 0.05

Non Resident (Non Repatriable) 171476 0 271 0 171476 0.01

Public 42312575 15146 156378 119 42327721 2.55

Trusts 121948 0 19 0 121948 0.01

G I C & Its Subsidiaries 6334239 0 5 0 6334239 0.38

Foreign Portfolio Investor (Corporate)

81327 0 2 0 81327 0.01

Total 1658136345 136836 158756 121 1658273181 100.00

104


DematerializationofSharesThe Bank’s shares are being traded compulsorily in Demat form. The Bank had already entered into agreements with both the Depositories viz., National Securities Depositories Limited (NSDL) and Central Depository Services (India) Ltd. (CDSL) for dematerialization of shares.Particulars of shares in Demat and Physical form held by shareholders as on 31.03.2015 are as under:

No.ofshareholders No. of shares %shareholding

Physical 121 136836 0.01

NSDL 102158 282152028 17.01

CDSL* 56598 1375984317 82.98

Total 158877 1658273181 100.00

* Including 1350827438 (81.46%) held IN DEMAT form by the Central Government.There are no outstanding GDRs / ADRs /warrants or any convertible instruments.

SharesinUnclaimedSuspenseAccount:In terms Clause 5A of Listing Agreements, the Shares outstanding in “Unclaimed Suspense Account” as on 31st March, 2015 are as under:

Sr. No.

Particulars AggregatenumberofShareholders

Aggregate outstandingShares

(i) Aggregate number of shareholders and the outstanding shares lying in the Unclaimed Suspense Account at the beginning of the year

262 34,725

(ii) Number of shareholders who approached the issuer for transfer of shares from Unclaimed Suspense Account during the year

7 426

(iii) Number of shareholders to whom shares were transferred from the Unclaimed Suspense Account during the year

7 426

(iv) Aggregate number of shareholders and the outstanding shares lying in the Unclaimed Suspense Account at the end of the year

255 34,299

CertificateofComplianceofmandatorystipulationsofCorporateGovernanceThe certificate issued by the statutory auditors of the Bank, in compliance of mandatory stipulations of Corporate Governance in the Listing Agreement with the Stock Exchange is attached

AnnexureI

DeclarationofCompliancewithCodeofConduct

I confirm that all Board Members & Senior Management have affirmed Compliance with the Bank’s Code of Conduct for the financial year 2014-15.

Place: Delhi

Date : May 25, 2015

Sd/- [RajeevRishi] ChairmanandManagingDirector

105


C E R T I F I C A T E

TotheMembersofCentralBankofIndia

We have examined the compliance of conditions of Corporate Governance by Central Bank of India for the year ended on 31st March, 2015 as stipulated in clause 49 of the Listing Agreement of Central Bank of India with stock exchanges.

The Compliance of conditions of corporate governance is the responsibility of the management. Our examination was limited to procedures and implementation thereof, adopted by Central Bank of India for ensuring the compliance of the conditions of the Corporate Governance. It is neither an audit nor an expression of opinion on the financial statements of Central Bank of India.

In our opinion and to the best of our information and according to the explanations given to us, we certify that Central Bank of India has complied with the conditions of Corporate Governance as stipulated in the above mentioned Listing Agreement.

We state that no investor grievance is pending against Central Bank of India as per the records maintained by the Stakeholders’ Relationship Committee.

We further state that such compliance is neither an assurance as to the future viability of the company nor the efficiency or effectiveness with which the management has conducted the affairs of Central Bank of India.

For KUMAR CHOPRA & ASSOCIATES

CHARTERED ACCOUNTANTSF.R. No.000131N

For P.K. SUBRAMANIAM & COCHARTERED ACCOUNTANTS

F.R. No.004135S

For DOOGAR & ASSOCIATESCHARTERED ACCOUNTANTS

F.R. No.000561N

(CAR.K.AGGARWAL)PARTNER

M.No.081510

(CASRIGOPALINNANI)PARTNER

M.No.210087

(CAMUKESHGOYAL)PARTNER

M.No.081810

For N.SARKAR & COCHARTERED ACCOUNTANTS

F.R. No.301075E

For B. N. MISRA & CO.CHARTERED ACCOUNTANTS

F.R. No.321095E

For CHANDABHOY & JASSOOBHOYCHARTERED ACCOUNTANTS

F.R. No.101647W

(CAM.RAY)PARTNER

M.No.012940

(CAB.N.MISRA)PARTNER

M.No.083927(CAAMBESHA.DAVE)

PARTNERM.No.049289

Place : MumbaiDate: May 12, 2015

106


KUMAR CHOPRA & ASSOCIATESB-12 (Ground Floor)Kalindi Colony,Near Maharani Bagh,NewDelhi-110065

P K SUBRAMANIAM & CO11-5-23,Kartik ComplexAbove Vijaya Bank, BresthwarpetRaichur-584101,Karnataka

DOOGAR & ASSOCIATES13, Community Centre,East of Kailash,NewDelhi-110065

N SARKAR & CO21 PrafullaSarkar Street2nd floorKolkata-700072,WestBengal

B N MISRA & COS-29 , MaitriVihar, Phase – IIIn front of Satyam Development CentreBhubaneshwar-751023,Orissa

CHANDABHOY & JASSOOBHOY208,Phoenix House, A wing,462,Senapati BapatMarg,LowerParel,Mumbai-400013,Maharashtra

INDEPENDENT AUDITORS’ REPORT

To

The President of India

Report On The Financial Statements

1. We have audited the accompanying financial statements of Central Bank of India as at March 31, 2015 which comprise the Balance Sheet as at March 31, 2015 and Profit and Loss Account and Cash Flow Statement for the year then ended and a summary of significant Accounting Policies and other explanatory information. Incorporated in these financial statements are the returns of 20Branches, 37 Regional Offices audited by us out of a total of 4689 branches, 80 Regional Offices,and 1819 branches audited by other branch auditors. Also incorporated in the Balance Sheet and Profit and Loss Account are the returns of 2850 branches, 43 Regional Offices which have not been subjected to audit. The unaudited branches account for 9.97% of advances, 30.75% of deposits, 6.69% of interest income and 24.37% of interest expense. The branches audited by us and those audited by other auditors have been selected by Bank in accordance with the guidelines issued by the Reserve Bank of India.

Management’sResponsibilityfortheFinancialStatements

2. Management of the Bank is responsible for the preparation of these financial statements that give true and fair view of the financial position and financial performance of the Bank in accordance with Banking Regulation Act, 1949 and complying with Reserve Bank of India Guidelines issued from time to time. This responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the financial statements that are free from material misstatements, whether due to fraud or error.

Auditor’sResponsibility

3. Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

4. An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statement. The procedures selected depend on the auditor’s judgement including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Bank’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the bank’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

5. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit opinion.

Opinion

6. In our opinion, as shown by the books of the bank, and to the best of our information and according to the explanations given to us, we report that:

i. The Balance Sheet read with the Significant Accounting Policies and Notes thereon, is a full and fair Balance Sheet containing all the necessary particulars, is properly drawn up so as to exhibit a true and fair view of state of affairs of the Bank as at March 31, 2015, in conformity with accounting principles generally accepted in India.

107


ii. The Profit and Loss Account, read with the Significant Accounting Policies and Notes thereon shows a true balance of Profit, in conformity with accounting principles generally accepted in India, for the year covered by the account; and

iii. The Cash Flow Statement gives a true and fair view of the cash flows for the year ended on that date.

ReportonOtherLegalandRegulatoryrequirements

7. The Balance Sheet and the Profit and Loss Account have been drawn up in Forms ‘A’ & ‘B’ respectively of the Third Schedule to the Banking Regulation Act, 1949.

8. Subject to the limitations of the audit indicated in paragraphs 1 to 5 above and as required by the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970 and subject also to the limitations of disclosure required therein, we report that:

a) 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 have found them to be satisfactory.

b) The transactions of the Bank which have come to our notice have been within the powers of the Bank.

c) The returns received from the Offices and Branches of the Bank, as supplemented with the information furnished by the Management, have been found adequate for the purposes of our audit.

9. In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement comply with the applicable Accounting Standards.

For KUMAR CHOPRA & ASSOCIATESCHARTERED ACCOUNTANTS

F.R. No.000131N

For P. K. SUBRAMANIAM & CO CHARTERED ACCOUNTANTS

F.R. No.004135S

For DOOGAR & ASSOCIATES CHARTERED ACCOUNTANTS

F.R. No.000561N

(CAR.K.AGGARWAL) PARTNER

M.No.081510

(CASRIGOPALINNANI) PARTNER

M.No.210087

(CAMUKESHGOYAL) PARTNER

M.No.081810

For N. SARKAR & CO CHARTERED ACCOUNTANTS

F.R. No.301075E

For B.N. MISRA & CO. CHARTERED ACCOUNTANTS

F.R. No.321095E

For CHANDABHOY & JASSOOBHOY

CHARTERED ACCOUNTANTS F.R. No.101647W

(CAM.RAY) PARTNER

M.No.012940

(CAB.N.MISRA) PARTNER

M.No083927

(CAAMBESHA.DAVE) PARTNER

M.No.049289

Place : Mumbai

Date: May 12, 2015

108


AUDITORS’ REPORT ON ABRIDGED FINANCIAL STATEMENTS

M/S. KUMAR CHOPRA & ASSOCIATESB-12 (Ground Floor) Kalindi Colony,Near Maharani Bagh,NewDelhi-110065

M/S. P K SUBRAMANIAM & CO11-5-23,Kartik ComplexAbove Vijaya Bank, BresthwarpetRaichur-584101, Karnataka

M/S. DOOGAR & ASSOCIATES13, Community Centre,East of Kailash,NewDelhi-110065

M/S. N SARKAR & CO21 Prafulla Sarkar Street, 2nd floorKolkata-700072,WestBengal

M/S. B N MISRA & CO S-29,Maitri Vihar, Phase-IIIn front of Satyam Development CentreBhubaneshwar-751023, Orissa

M/S. CHANDABHOY & JASSOOBHOY208,Phoenix House, wing, 462, Senapati BapatMarg, LowerParel,Mumbai-400013

To the Members of Central Bank of India

We have examined the attached abridged Balance Sheet of Central Bank of India (‘the Bank’) as at March 31, 2015, the abridged Profit and Loss Account and also the Cash Flow Statement for the year ended on that date annexed thereto together with the notes thereon (hereinafter referred as Abridged Financial Statements).

These abridged financial statements have been prepared by the Bank pursuant to notification of Ministry of Finance, Government of India vide its letter No.F.No.7/116/2012-BOA dated August 1, 2012 and are based on the audited financial statements of the Bank for the year ended March 31, 2015 drawn up in accordance with the provisions of Section 29 of Banking Regulation Act, 1949and coveredby our independent auditors report dated May 12, 2015, which is attached hereto.


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.210087


M.No.081810


F.R. No.301075E


F.R. No.321095E



(CAM.RAY) PARTNER

M.No.012940


M.No083927


M.No.049289

Place : Mumbai

Date: May 12, 2015

109


AbridgedBalanceSheetofCentralBankofIndiaasatMarch31,2015

(Amount in lac)

PARTICULARS As at March 31, 2015 (CurrentYear)

As at March 31, 2014 (PreviousYear)

CAPITAL & LIABILITIESCapital 165,827.32 296,743.93Reserves&SurplusStatutory Reserves 206,359.79 191,198.79

Capital Reserve (Note 1) 235,509.85 232,722.89

Share Premium 995,540.23 743,838.93

Revenue and Other Reserves 234,731.30 234,731.30

Special Reserve U/s 36(1)(viii) of Income Tax Act 10,000.00 10,000.00

Balance in Profit & Loss a/c. (102,277.26) (130,380.08)

Total 1,579,863.91 1,282,111.83DepositsDemand Deposits 1,320,243.00 1,353,698.53

Savings Bank Deposits 7,380,988.98 6,647,374.61

Term Deposits 16,856,007.51 16,005,825.73

Total 25,557,239.49 24,006,898.87Borrowings1. Borrowings in India

(a) From Reserve Bank of India 1,420,712.41 633,898.35

(b) from other banks - 319.04

(c) from other institutions and agencies 376,795.94 426,740.21

(d) Unsecured Redeemable Bonds (Subordinated Debt) 243,730.00 263,730.00

(e) Upper Tier II bonds 288,500.00 288,500.00

(f) Innovative Perpetual Debt Instrument 108,300.00 108,300.00

(g) Unsecured Redeemable NC Basel III Bonds 100,000.00 100,000.00

2. Borrowings outside India 59,375.00 386,490.00

Total[1&2] 2,597,413.35 2,207,977.60OtherLiabilities&ProvisionsBills payable 86,827.60 76,552.24

Inter-office adjustments (net) -

Interest accrued 155,192.33 166,092.09

Provisions towards standard assets - 65,793.78

Deferred Tax Liability (net) 11,001.00 59,660.00

Others 1,040,684.88 787,792.10

Total 1,293,705.81 1,155,890.21

TotalCapitalandLiabilities 31,194,049.88 28,949,622.44

110



(amount in lac)



ASSETSCashandbalancewithReserveBankofIndia 1,411,484.87 1,192,662.93BalanceswithBanksandmoneyatcallandshortnoticeBalances with Banks in India 30,449.94 26,045.09

Money at call and short notice in India 20,000.00 -

Balances outside India 19,093.49 19,095.28

Total 69,543.43 45,140.37Investments1. In India

(a) Government Securities 7,541,014.88 6,789,112.10

(b) Other approved securities - -

(c) Shares 128,344.62 140,055.81

(d) Debentures and Bonds 1,004,543.77 981,904.67

(e) Subsidiaries and/or Joint Ventures 30,399.87 30,399.87

(f) Others 838,339.84 671,975.60

2. Outside India 4,748.85 65.94

Total[1&2] 9,547,391.83 8,613,513.99Advances1. In India

(a) Bills purchased and discounted 209,532.33 223,493.15

(b) Cash credits, overdrafts and loans receivable on demand 7,284,969.13 6,667,215.79

(c) Term loans 11,353,251.79 10,840,808.23

2. Outside India - -

Total[1&2] 18,847,753.25 17,731,517.17

Fixedassets 283,316.15 280,438.93Other assetsInter-office adjustments (net) 353,964.76 308,897.55


Tax paid in advance/ deducted at source 303,929.28 284,997.10

Deferred Tax Asset (net) - -

Non-banking assets acquired in satisfaction of claims -

Stationery and Stamps 1,862.36 1,779.97

Others 190,826.76 314,923.60

Total 1,034,560.35 1,086,349.05

Total Assets 31,194,049.88 28,949,622.44

111



(amount in lac)



ContingentLiabilitiesClaims against the bank not acknowledged as debts 10,942.50 11,963.46

Disputed income tax demands under appeals, revisions, etc. 181,340.88 140,058.95

Liability on account of outstanding forward exchange contracts 6,677,461.78 6,406,023.89

Guarantees given on behalf of constituents 1,150,783.62 1,090,367.93

Acceptances, endorsements and other obligations 991,238.33 1,123,326.17

Other items for which the bank is contingently liable 77,500.00 83,511.07

Total 9,089,267.11 8,855,251.47

Bills for collection 110,608,049.00 767,173.57Note1:IncludesRevaluationReserveof`181416.00 (last year `184012.04)

112


AbridgedProfitandLossAccountofCentralBankofIndia fortheyearendedMarch31,2015

(amount in lac)

PARTICULARS Fortheyearended March 31, 2015 (CurrentYear)

Fortheyearended March 31, 2014 (PreviousYear)

IncomeInterestearnedOn advances/ bills 1,951,728.25 1,861,999.27

On investments 670,705.68 576,385.23

On balances with RBI and inter-bank funds 3,146.08 3,283.88

Others 15,297.93 1,086.59

Total 2,640,877.94 2,442,754.97Other incomeCommission, exchange and brokerage 87,725.69 82,167.12

Net profit on sale of investments 61,765.83 45,536.69

Net profit on sale of land, buildings and other assets (64.30) (119.30)

Net profit on exchange transactions 20,202.68 19,872.37

Income by way of dividends etc. from subsidiaries/ companies and/or joint ventures abroad/ in India

341.50 278.50

Miscellaneous income 19,451.75 44,522.67

Total 189,423.15 192,258.05

Total income 2,830,301.09 2,635,013.02ExpenditureInterestexpendedOn deposits 1,752,030.52 1,637,456.53

On RBI/ inter-bank borrowings 34,784.63 38,088.35

Others 129,355.90 117,771.58

Total 1,916,171.05 1,793,316.46OperatingexpensesPayments to and provisions for employees 382,493.98 353,700.97

Rent, taxes and lighting 36,790.08 33,356.13

Printing and stationery 5,012.51 4,718.32

Advertisement and publicity 2,544.25 2,654.35

Depreciation on bank's property 22,924.21 20,854.74

Director's fees, allowances and expenses 73.58 89.81

Auditor's fee and expenses (including branch auditors) 2,243.76 1,734.54

Law charges 1,948.71 1,848.23

Postage, telegrams, telephones etc. 6,516.28 5,285.37

Repairs and maintenance 7,438.99 5,876.88

Insurance 24,455.02 19,612.64

Others 65,776.55 68,161.56Total 558,217.92 517,893.54

113


AbridgedProfitandLossAccountofCentralBankofIndia fortheyearendedMarch31,2015

(amount in lac)



ProvisionsandcontingenciesProvisions for depreciation on investment (1,855.77) 25,655.74

Provision towards non performing assets 206,214.98 329,201.15

Provision towards standard assets 3,901.84 (734.36)

Others (excluding income taxes) 58,621.65 69,143.02

Total 266,882.70 423,265.55

Totalexpensesandprovisions 2,741,271.67 2,734,475.55

Profit/(loss)beforetax 89,029.42 (99,462.53)

Current tax - -

Deferred tax 28,384.60 26,821.66

Profit/(loss)aftertax 60,644.82 (126,284.19)

Profit/Lossbroughtforward (130,380.08) 157.79

Total (69,735.26) (126,126.40)AppropriationsTransfer to :

Statutory Reserve 15,161.00 -

Investment Reserve 5,383.00 4,253.68

Staff Welfare Fund 1,819.00 -

Revenue Reserves - -

Proposed Dividend - Preference Capital - -

Proposed Dividend - Equity Capital 8,291.00 -

Fund in lieu of Insurance 200.00 -

Dividend Tax 1,688.00 -

Balance carried forward to balance sheet 28,102.82 (130,380.08)

[R.C.LODHA] ExecutiveDirector

[B.K.DIVAKARA] ExecutiveDirector

[R.K.GOYAL] ExecutiveDirector

[RAJEEVRISHI] Chairman & Managing

DirectorPlace : Mumbai

Date: May 12, 2015

114


SAURABH GARG DIRECTOR

SHEKHAR BHATNAGAR DIRECTOR

M.P.SHORAWALA DIRECTOR

KRISHAN SETHI DIRECTOR

Mrs. N.S. RATHNAPRABHA DIRECTOR

S.B.RODE DIRECTOR

GURBAX KUMAR JOSHI DIRECTOR


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.210087


M.No.081810


F.R. No.301075E


F.R. No.321095E



(CAM.RAY) PARTNER

M.No.012940


M.No083927


M.No.049289

As per our report of even date

Place : Mumbai

Date: May 12, 2015

115


NOTES TO ABRIDGED FINANCIAL STATEMENTS OF CENTRAL BANK OF INDIA FOR THE YEAR ENDED MARCH 31, 2015.

1. Basis of Preparation:

The abridged Financial Statements have been prepared on the basis of the audited standalone financial statements of the Bank for the year ended March 31, 2015 (hereinafter referred to as ‘Annual Standalone Financial Statements’) pursuant to notification of Ministry of Finance, Government of India vide its letter No.F.No.7/116.2012-BOA dated August 1, 2012.

2. SignificantAccountingPolicies:

Significant accounting policies of the Bank are contained in Schedule 17 of the ‘Annual Standalone Financial Statements’.

3. NotestoAccountsandotherDisclosures:

Notes to Accounts and other disclosures are contained in Schedule 18 of the Annual Standalone Financial Statements. However, as there are no notes and disclosures where there is change in accounting policy or are inviting qualifications or attention in the Auditors’ Report, hence no further note/ disclosure is required herein.

(R.C.LODHA) ExecutiveDirector

(B.K.DIVAKARA) ExecutiveDirector

(R.K.GOYAL) ExecutiveDirector

(RAJEEVRISHI) Chairman & Managing

Director






S.B.RODE DIRECTOR


Place : MumbaiDate: May 12, 2015

116


CASHFLOWSTATEMENTFORTHEYEARENDEDMARCH31,2015

(Rs.InCrore)Sn Particulars 31- 03- 2015 31- 03- 2014A CASHFLOWFROMOPERATINGACTIVITIES

NetProfitbeforetaxes 890.40 (994.55)I Adjustmentsfor:

Depreciation on fixed assets 229.24 208.55

Depreciation on investments (including on matured debentures) (18.56) 256.56

Bad Debts written off/Provision in respect of non performing assets 2,062.15 3,292.01

Provision for Standard Assets 586.95 689.57

Provision for Other items (Net) 38.18 (5.57)

Interest on Income Tax (net) - (10.87)

Profit / Loss on sale of fixed assets (Net) 0.64 1.19

Payment/ provision for interest on subordinated debt (treated separately) 696.03 642.26

Dividend Received from Subsidiaries (3.42) (2.79)

Interest on JNY coupens - 5.17

Subtotal 4,481.61 4,081.53II Adjustmentsfor:

Increase / (Decrease) in Deposits 15,503.40 14,030.67

Increase / (Decrease) in Borrowings 3,894.35 3,774.26

Increase / (Decrease) in Other Liabilities and Provisions 1,744.77 3,285.57

(Increase) / Decrease in Advances (13,811.46) (9,360.91)

(Increase) / Decrease in Investments (9,273.39) (13,777.91)

(Increase) / Decrease in Other Assets 669.03 (3,355.52)

Direct Taxes paid (Net of Refund etc) (959.85) (700.54)

Subtotal (2,233.15) (6,104.37)

NETCASHFLOWFROMOPERATINGACTIVITIES(A) 2,248.46 (2,022.84)

B CASHFLOWFROMINVESTINGACTIVITIESSale / Disposal of Fixed Assets 815.15 49.45

Purchase of Fixed Assets (1,099.77) (405.01)

Dividend Received from Associates/Subsidiaries 3.42 2.79

Investment in Associate/Subsidiaries (46.83) (10.00)

NETCASHFLOWFROMINVESTINGACTIVITIES (328.03) (362.77)

C CASHFLOWFROMFINANCINGACTIVITIESShare Capital 1,207.85 1,799.99

Proceeds / Redemption of Subordinated Debts Tier II Capital - -

Dividend - Equity shares Inculding Interim Dividend - (411.64)

Dividend Tax - (69.49)

Interest on JNY Swap coupon - (5.17)

Interest on Subordinated Debt (696.03) (642.26)

NETCASHFLOWFROMFINANCINGACTIVITIES 511.82 671.43

117


CASHFLOWSTATEMENTFORTHEYEARENDEDMARCH31,2015

(Rs.InCrore)Sn Particulars 31- 03- 2015 31- 03- 2014D Netincreaseincash&cashequivalents(A+B+C)or(F-E) 2,432.25 (1,714.17)

E CASHANDCASHEQUIVALENTSATTHEBEGINNINGOFTHEYEARCash and Bank Balance with RBI 11,926.63 13,560.17

Balance with Banks and Money at Call and Short Notice 451.40 532.04

Netcashandcashequivalentsatthebeginningoftheyear 12,378.03 14,092.21

F CASHANDCASHEQUIVALENTSATTHEENDOFTHEYEARCash and Bank Balance with RBI 14,114.85 11,926.63


Netcashandcashequivalentsattheendoftheyear 14,810.28 12,378.03





Director


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No.210087


M.No.081810


F.R. No.301075E


F.R. No.321095E



(CAM.RAY) PARTNER

M.No.012940


M.No083927


M.No.049289

Place : Mumbai

Date: May 12, 2015

118


KUMAR CHOPRA & ASSOCIATESB-12, Ground Floor Kalindi Colony NewDelhi–110065

P. K. SUBRAMANIAM & CO11-5-23,Karthik ComplexAbove Vijaya Bank BresthwarpetRaichur-584101,Karnataka.

DOOGAR & ASSOCIATES13, Community Centre, East of KailashNewDelhi–110065

N. SARKAR & CO21, Prafulla Sarkar Street2nd floorKolkata–700072,WestBengal

B.N. MISRA & COS-29, Maitri Vihar, Phase – II, Infront of Satyam Development CentreBhubaneswhwar-751023,Orissa

CHANDABHOY & JASSOOBHOY208,Phoenix House, A wing, 462, Senapati Bapat Marg,Lower Parel, Mumbai-400013,Maharashtra

IndependentAuditors’ReportOnConsolidatedFinancialStatements

To The Board of Directors of CENTRAL BANK OF INDIA

1. We have audited the accompanying consolidated financial statements of Central Bank of India (“The Bank”), its subsidiaries and associates (collectively referred to as “The Group”) which comprise of the consolidated Balance Sheet as at 31st March, 2015, the consolidated Profit and Loss Account and the consolidated Cash Flow Statement for the year then ended and a summary of significant accounting policies and other explanatory information, in which are incorporated:

(i) Audited accounts of the Central Bank of India (The Bank), audited by us,

(ii) Audited accounts of two Subsidiaries & three Regional Rural Banks (RRB), all of which are audited by other auditors,

(iii) Accounts of an Associate for a period of nine months audited by other auditor and unaudited accounts of the said Associate for the three months period ended March 31, 2015.

Management’s Responsibility for the Consolidated Financial Statements

2. Management is responsible for the preparation of these consolidated financial statements that give a true and fair view of the consolidated financial position, consolidated financial performance and consolidated cash flows of the Group in accordance with accounting principles generally accepted in India; this responsibility includes the design, implementation and maintenance of internal control relevant to the preparation and presentation of the consolidated financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

3.1 Our responsibility is to express an opinion on these consolidated financial statements based on our audit. We conducted our audit in accordance with the Standards on Auditing issued by the Institute of Chartered Accountants of India. Those Standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free from material misstatement.

3.2 An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the consolidated financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Group’s preparation and fair presentation of the consolidated financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Group’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of the accounting estimates made by the management, as well as evaluating the overall presentation of the consolidated financial statements.

3.3 We believe that the audit evidence obtained by us and the other auditors is sufficient and appropriate to provide a basis for our audit opinion on consolidated financial statements.

Opinion

4. In our opinion and to the best of our information and according to the explanations given to us and based on the consideration of the reports of the other auditors on the financial statements of the subsidiaries and associates as noted below, the consolidated financial statements give a true and fair view in conformity with the accounting principles generally accepted in India:

i. in the case of the consolidated Balance Sheet, of the state of affairs of the Group as at 31st March, 2015;

ii. in the case of consolidated Profit and Loss Account, of the profit for the year ended on that date; and

119


iii. in the case of the consolidated Cash Flow Statement, of the cash flows for the year ended on that date.

Emphasis of matter

5. In accordance with Standard on Audit (SA) 706 “Emphasis of Matter Paragraph”, without qualifying our opinion, we draw attention to the following:

(i) During the current year,Cent Bank Home Finance Ltd. has created Deferred Tax Liability of Rs. 3 crore on Special Reserves maintained by Housing Finance Companies under section 36(1)(viii) of the Income Tax Act,1961 towards compliance of the guidelines issued by NHB vide circular No. NHB(ND)/DRS/Policy Circular 65/2014-15 dated August 22,2014.

(ii) The auditor of Cent Bank Home Finance Ltd. has reported that company’s current liabilities exceeded its current assets. This mismatch needs attention of the management.

(iii) In the consolidated financial statement which includes share of profit of Rs. 3.24 crore of one of the RRB viz. Central Madhya Pradesh Gramin Bank (CMPGB), the Auditor has again drawn attention regarding tracking of NPA movements, provisioning in respect of Income Tax, TDS, Service Tax and outstanding entries in inter office adjustment account etc., the impact of which on the financial statements of CMPGB could not be ascertained.

(iv) Similarly, in Uttar Bihar Gramin Bank (UBGB), share of profit included in consolidated financial statement Rs. 35.46 crore, the Auditor has drawn attention towards provisioning of Income Tax, the impact of which on the financial statements of UBGB could not be ascertained.

6. Other matter

We did not audit the financial statements of (i) two subsidiaries whose financial statements reflect total assets of Rs. 896.53 crore as at March 31, 2015 and total revenue of Rs. 88.98 crore and net cash flows amounting to Rs. 23.22 crore for the year ended on that date; and (ii) Associates (three Regional rural banks and one other associate) reflecting net profit of Rs. 173.76 crore (the Bank’s share Rs. 52.06 crore) for the year ended on that date. These financial statements have been audited by other auditors whose reports have been furnished to us by the management, and our opinion is based solely on the reports of the other auditors. Our opinion is not qualified in respect of this matter.




F.R. No.004135S


F.R. No.000561N


M.No.081510

(CAVEERABASANAGOUDA)PARTNER

M.No. 208698


M.No.081810

For N.SARKAR & COCHARTERED ACCOUNTANTS

F.R. No.301075E

For B.N.MISRA & COCHARTERED ACCOUNTANTS

F.R. No.321095E


F.R. No.101647W

(CAG.MUKHOPADHYAY)PARTNER

M.No.010534


M.No.083927

(CAAMBESHA.DAVE)PARTNER

M.No.049289

Place: DelhiDate: May 25, 2015

120


AUDITORS’ REPORT ON ABRIDGED CONSOLIDATED FINANCIAL STATEMENTS

KUMAR CHOPRA & ASSOCIATESB-12, Ground Floor Kalindi Colony NewDelhi–110065

P. K. SUBRAMANIAM & CO11-5-23,Karthik ComplexAbove Vijaya Bank BresthwarpetRaichur-584101,Karnataka.

DOOGAR & ASSOCIATES13, Community Centre, East of KailashNewDelhi–110065

N. SARKAR & CO21, Prafulla Sarkar Street2nd floorKolkata–700072,WestBengal

B.N. MISRA & COS-29, Maitri Vihar, Phase – II, Infront of Satyam Development CentreBhubaneswhwar-751023,Orissa

CHANDABHOY & JASSOOBHOY208,Phoenix House, A wing, 462, Senapati Bapat Marg, Lower Parel, Mumbai-400013,Maharashtra

TotheBoardofDirectorsofCentralBankofIndia

We have examined the attached abridged consolidated Balance Sheet of Central Bank of India & its subsidiaries & associates (collectively known as the “Group”) as at March 31, 2015, the abridged consolidated Profit and Loss Account and also the consolidated Cash Flow Statement for the year ended on that date annexed thereto together with the notes thereon (hereinafter referred as Abridged Consolidated Financial Statements).

These abridged consolidated financial statements have been prepared by the Bank pursuant to notification of Ministry of Finance, Government of India vide its letter No.FNo.7/116/2012-BOA dated August 1, 2012 and are based on the audited consolidated financial statements of the Group for the year ended March 31, 2015 prepared by the Bank in accordance with the requirements of Accounting Standard – 21, ‘Consolidated Financial Statements’ and Accounting Standard 23 – ‘Accounting for Investments in Associates in Consolidated Financial Statements’ issued by the Institute of Chartered Accountants of India and covered by our report dated May 25, 2015 to the Board of Directors of the Bank, which is attached hereto.




F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No. 208698


M.No.081810

For N. SARKAR & COCHARTERED ACCOUNTANTS

F.R. No.301075E

For B.N.MISRA & COCHARTERED ACCOUNTANTS

F.R. No.321095E


F.R. No. 101647W


M.No. 010534


M.No.083927

(CAAMBESHA.DAVE)PARTNER

M.No.049289

Place : DelhiDate: May 25, 2015

121


AbridgedConsolidatedBalanceSheetofCentralBankofIndiaasatMarch31,2015

(amount in lac)



CAPITAL & LIABILITIESCapital 165,827.32 296,743.93

Reserves&SurplusStatutory Reserves 207,491.31 192,330.31

Capital Reserve (Note 1) 235,509.86 232,722.90

Share Premium 995,540.23 743,838.93

Revenue and Other Reserves 231,958.83 231,865.83

Special Reserve U/s 36(1)(viii) of Income Tax Act 11,067.37 10,705.17

Balance in Profit & Loss a/c. (73,898.09) (107,187.33)

Total 1,607,669.51 1,304,275.81

Minorities Interest 3,273.08 3,081.98DepositsDemand Deposits 1,319,234.56 1,352,775.27

Savings Bank Deposits 7,380,988.98 6,647,374.61

Term Deposits 16,893,936.38 16,034,302.73

Total 25,594,159.92 24,034,452.61Borrowings1. Borrowings in India

(a) From Reserve Bank of India 1,420,712.41 633,898.35

(b) from other banks - 319.04

(c) from other institutions and agencies 389,341.32 432,518.08

(d) Unsecured Redeemable Bonds (Subordinated Debt) 243,630.00 263,630.00

(e) Upper Tier II bonds 288,500.00 288,500.00

(f) Innovative Perpetual Debt Instrument 108,300.00 108,300.00

(g) Unsecured Redeemable NC Basel III Bonds(Tier II) 100,000.00 100,000.00

2. Borrowings outside India 59,375.00 386,490.00

Total[1&2] 2,609,858.73 2,213,655.47OtherLiabilities&ProvisionsBills payable 86,827.60 76,552.24

Inter-office adjustments (net)


Provisions towards standard assets 58,713.00 66,039.66

Deferred Tax Liability (net) 11,027.16 59,667.07

Others 983,777.61 788,895.30

Total 1,295,792.67 1,157,254.56

TotalCapitalandLiabilities 31,276,581.23 29,009,464.36

122



(amount in lac)

PARTICULARS As atMarch 31, 2015

As atMarch 31, 2014

(CurrentYear) (PreviousYear)ASSETSCashandbalancewithReserveBankofIndia 1,411,637.43 1,192,663.08BalanceswithbanksandmoneyatcallandshortnoticeBalances with banks in India 33,072.00 26,873.26

Money at call and short notice in India 20,000.00 -

Balances outside India 19,093.49 19,095.28

Total 72,165.49 45,968.54

Investments1. In India

(a) Government Securities 7,541,578.78 6,789,466.02

(b) Other approved securities - -

(c) Shares 128,344.62 140,055.81

(d) Debentures and Bonds 1,004,543.77 981,904.67

(e) Investments in Associates 41,574.19 37,532.27

(f) Others 838,339.86 671,975.62

2. Outside India 11,154.34 5,306.04

Total[1&2] 9,565,535.56 8,626,240.43Advances1. In India

(a) Bills purchased and discounted 209,532.33 223,493.15

(b) Cash credits, overdrafts and loans receivable on demand 7,280,354.16 6,665,875.27

(c) Term loans 11,416,866.18 10,886,092.41

2. Outside India - -

Total[1&2] 18,906,752.67 17,775,460.83

Fixedassets 283,406.06 280,544.54Other assetsInter-office adjustments (net) 353,964.76 308,897.55


Tax paid in advance/ deducted at source 304,612.12 285,718.17

Deferred Tax Asset (net) - -

Non-banking assets acquired in satisfaction of claims - -

Stationery and Stamps 1,862.36 1,779.98

Others 191,457.76 315,297.02

Total 1,036,195.06 1,087,697.98GoodwillonConsolidation 888.96 888.96

Total Assets 31,276,581.23 29,009,464.36

123



(amount in lac)

PARTICULARS As atMarch 31, 2015

As atMarch 31, 2014

(CurrentYear) (PreviousYear)

ContingentLiabilitiesClaims against the bank not acknowledged as debts 10,942.50 11,963.46

Disputed income tax demands under appeals, revisions, etc 181,376.60 140,058.94

Liability on account of outstanding forward exchange contracts 6,677,461.78 6,406,023.89

Guarantees given on behalf of constituents 1,150,783.62 1,090,367.93

Acceptances, endorsements and other obligations 991,238.33 1,123,326.17

Other items for which the bank is contingently liable 77,525.00 83,831.28

Total 9,089,327.83 8,855,571.67

Bills for collection 1,106,080.49 767,173.57

Note1:IncludesRevaluationReserveofRs.181416.01(lastyearRs.184012.05)

124


AbridgedConsolidatedProfitandLossAccountofCentralBankofIndia fortheyearendingMarch31,2015

(amount in lac)



IncomeInterestearnedOn advances/ bills 1,958,363.92 1,866,956.40

On investments 670,788.87 576,505.26

On balances with RBI and inter-bank funds 3,146.08 3,283.88

Others 15,298.88 1,086.00

Total 2,647,597.75 2,447,831.54Other incomeCommission, exchange and brokerage 88,321.26 82,168.47

Net profit on sale of investments 61,765.83 45,536.69

Net profit on sale of land, buildings and other assets (64.30) (119.30)

Net profit on exchange transactions 20,202.68 19,872.37

Income by way of dividends etc. from subsidiaries/ companies and/or joint ventures abroad/ in India

0.10 -

Miscellaneous income 19,813.85 45,679.49

Total 190,039.42 193,137.72

Total income 2,837,637.17 2,640,969.26ExpenditureInterestexpendedOn deposits 1,754,859.24 1,639,692.52

On RBI/ inter-bank borrowings 35,741.78 38,844.30

Others 129,364.35 117,771.58

Total 1,919,965.37 1,796,308.40OperatingexpensesPayments to and provisions for employees 383,061.22 354,148.61

Rent, taxes and lighting 36,969.91 33,580.85

Printing and stationery 5,022.22 4,729.80

Advertisement and publicity 2,554.34 2,660.24

Depreciation on bank's property 22,962.07 20,880.30

Director's fees, allowances and expenses 112.82 129.11

Auditor's fee and expenses (including branch auditors) 2,250.47 1,738.45

Law charges 2,073.12 1,897.89

Postage, telegrams, telephones etc. 6,537.78 5,296.63

Repairs and maintenance 7,443.13 5,884.00

Bad Debts Written Off 156.34 131.21

Insurance 24,455.57 19,612.80

Others 66,065.20 68,317.79

Total 559,664.19 519,007.68

125



(amount in lac)



ProvisionsandcontingenciesProvisions for depreciation on investment (1,855.77) 10,618.10

Provision towards non performing assets 206,214.98 329,111.46

Provision towards standard assets 58,697.02 (681.84)

Others (excluding income taxes) 3,968.39 84,173.10

Total 267,024.62 423,220.82

Totalexpensesandprovisions 2,746,654.18 2,738,536.90

Profit/(loss)beforetax 90,982.99 (97,567.64)Current tax 540.83 27,647.70

Deferred tax 28,612.61 (64.13)

Profit/(loss)aftertax 61,829.55 (125,151.20)Add:ShareofearningsinAssociates 5,207.31 4,230.89

Less Minority Interest (430.94) (402.16)

Less:ProfitpreAcquisition - (14.71)

GroupProfit 66,605.92 (121,337.19)

Profit/Lossbroughtforward (107,187.33) 24,136.67LessDecreaseinbroughtforwardConsolidatedProfitduetotransferofInvestmentinAssociates

- 5,261.48

Total (40,581.41) (102,462.00)AppropriationsTransfer to :

Statutory Reserve 15,161.00 -

Investment Reserve 5,383.00 4,253.68

Staff Welfare Fund 1,819.00 -

Revenue Reserves 93.00 79.00

Proposed Dividend - Preference Capital - -

Proposed Dividend - Equity Capital 8,291.00 -

Fund in lieu of Insurance 200.00 -

Dividend Tax 1,776.93 79.95

Special Reserve u/s 36 (1) (viii) 362.20 312.70

Appropriation of DTL on spe.Reser.as per NHB guidelines 211.28

CSR Reserves as per companies Act 19.27

Balance carried forward to balance sheet (73,898.09) (107,187.33)





DirectorPlace: DelhiDate: May 25, 2015

126








S.B.RODE DIRECTOR



F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No. 208698


M.No.081810


F.R. No.301075E


F.R. No.321095E




M.No. 010534


M.No083927


M.No.049289


Place : Delhi

Date: May 25, 2015

127


NOTES TO ABRIDGED CONSOLIDATED FINANCIAL STATEMENTS OF CENTRAL BANK OF INDIA FOR THE YEAR ENDED MARCH 31, 2015

1. Basis of Preparation:

The abridged Consolidated Financial Statements have been prepared on the basis of the audited consolidated financial statements of the Bank & its subsidiaries & associates for the year ended March 31, 2015 (hereinafter referred to as ‘Consolidated Financial Statements’) pursuant to notification of Ministry of Finance, Government of India vide its letter No.F.No.7/116.2012-BOA dated August 1, 2012.

2. Significant Accounting Policies:

Significant accounting policies of the Bank including the basis of preparation of consolidated accounts are contained in Schedule 17 of the ‘Consolidated Financial Statements’.

3. Notes to Accounts and other Disclosures:

Notes to Accounts and other disclosures are contained in Schedule 18 of the Consolidated Financial Statements. However, notes and disclosures where there is change in accounting policy or are inviting qualifications or attention in the Auditors’ Report are given in para 4, 5 and 6 below.

4. During the current year Cent Bank Home Finance Ltd. has created Deferred Tax Liability of Rs. 3 crore on Special Reserves maintained by Housing Finance Companies under section 36(1)(viii) of the Income Tax Act,1961 towards compliance of the guidelines issued by NHB vide circular No. NHB (ND)/DRS/Policy Circular 65/2014-15 dated August 22, 2014.

5. The auditor of Cent Bank Home Finance Ltd. has observed that company’s current liabilities exceeded its current assets. This mismatch needs attention of the management.

6. In the consolidated financial statement which includes share of profit of Rs. 3.24 crore of one of the RRB viz. Central Madhya Pradesh Gramin Bank (CMPGB), the Auditor has again drawn attention regarding tracking of NPA movements, provisioning in respect of Income Tax, TDS, Service Tax and outstanding entries in inter office adjustment account etc., the impact of which on the financial statements of CMPGB could not be ascertained.

Similarly, in Uttar Bihar Gramin Bank (UBGB), share of profit included in consolidated financial statement Rs. 35.46 crore, the Auditor has drawn attention towards provisioning of Income Tax, the impact of which on the financial statements of UBGB could not be ascertained.

7. The accounting year of the associate, viz. Indo Zambia Bank Ltd. is calendar year. However share in profit has been taken for 9 months based on audited figures and 3 months based on unaudited figures.

(R.C.LODHA)Executive Director

(B.K.DIVAKARA) Executive Director

(R.K.GOYAL)Executive Director

(RAJEEVRISHI)Chairman & Managing Director

(SAURABHGARG) (SHEKHARBHATNAGAR) (M.P.SHORAWALA)DIRECTOR DIRECTOR DIRECTOR

(KRISHANSETHI) (Ms.N.S.RATHNAPRABHA) (S.B.RODE)DIRECTOR DIRECTOR DIRECTOR

(GURBAXKUMARJOSHI)DIRECTOR

128


For KUMAR CHOPRA & ASSOCIATES CHARTERED ACCOUNTANTS F.R. No.000131N

(CAR.K.AGGARWAL)PARTNERM.No.081510

For P.K. SUBRAMANIAM & COCHARTERED ACCOUNTANTS F.R. No.004135S

(CAVEERABASANAGOUDA)PARTNERM.No. 208698

For DOOGAR &ASSOCIATES CHARTERED ACCOUNTANTS F.R. No.000561N

(CAMUKESHGOYAL)PARTNERM.No.081810

For N. SARKAR & COCHARTERED ACCOUNTANTS F.R. No.301075E

(CAG.MUKHOPADHYAY)PARTNERM.No. 010534

For B.N.MISRA & COCHARTERED ACCOUNTANTS F.R. No.321095E

(CAB.N.MISRA)PARTNERM.No.083927

For CHANDABHOY & JASSOOBHOY CHARTERED ACCOUNTANTS F.R. No. 101647W

(CAAMBESHA.DAVE)PARTNERM.No.049289

Place: DelhiDate: May 25, 2015

NOTES TO ABRIDGED CONSOLIDATED FINANCIAL STATEMENTS OF CENTRAL BANK OF INDIA FOR THE YEAR ENDED MARCH 31, 2015

129


CONSOLIDATEDCASHFLOWSTATEMENTFORTHEYEARENDEDMARCH31,2015

(Rs.InCrore)Sn Particulars 31- 03- 2015 31-03-2014A CASHFLOWFROMOPERATINGACTIVITIES

NetProfitbeforetaxes 909.93 (975.67)I Adjustmentsfor:

Depreciation on fixed assets 229.62 208.81

Depreciation on investments (including on matured debentures) (18.56) 256.56

Bad Debts written off/Provision in respect of non performing assets 2,061.98 3,291.16

Provision for Standard Assets 588.55 690.10

Provision for Other items (Net) 38.18 (5.62)

Interest on Income Tax (net) - (10.87)

Profit / Loss on sale of fixed assets (Net) 0.64 1.19

Payment/ provision for interest on subordinated debt (treated separately) 696.03 642.26

Loss on redemption of investment - 0.01

Interest on JNY coupens - 5.17

Subtotal 4,506.37 4,103.10 II Adjustmentsfor:

Increase / (Decrease) in Deposits 15,597.07 14,125.44

Increase / (Decrease) in Borrowings 3,962.03 3,741.26

Increase / (Decrease) in Other Liabilities and Provisions 1,853.26 2,760.79

(Increase) / Decrease in Advances (13,963.45) (9,429.83)

(Increase) / Decrease in Investments (9,379.63) (13,778.82)

(Increase) / Decrease in Other Assets 665.80 (3,301.86)

Direct Taxes paid (Net of Refund etc) (967.74) (709.80)

NetCashfromoperatingactivities(A) (2,232.66) (6,592.82)NETCASHFLOWFROMOPERATINGACTIVITIES 2,273.71 (2,489.72)

B CASHFLOWFROMINVESTINGACTIVITIESSale / Disposal of Fixed Assets 815.27 49.51

Purchase of Fixed Assets (1,100.11) (405.14)

Investment in RRBs/Associates (46.83) (13.41)

NETCASHFLOWFROMINVESTINGACTIVITIES (331.67) (369.04)

C CASHFLOWFROMFINANCINGACTIVITIESShare Capital 1,207.85 1,801.90

Dividend - Equity shares Inculding Interim Dividend (1.34) (1.22)

Dividend Tax (0.81) (0.65)

Interest on JNY Swap coupon - (5.17)

Interest on Subordinated Debt (696.03) (642.26)

NETCASHFLOWFROMFINANCINGACTIVITIES 509.67 1,152.60 D Netincreaseincash&cashequivalents(A+B+C)or(F-E) 2,451.71 (1,706.16)

130


(Rs.InCrore)Sn Particulars 31- 03- 2015 31-03-2014

E CASHANDCASHEQUIVALENTSATTHEBEGINNINGOFTHEYEAR

Cash and Bank Balance with RBI 11,926.63 13,560.17


Netcashandcashequivalentsatthebeginningoftheyear 12,386.32 14,092.48

F CASHANDCASHEQUIVALENTSATTHEENDOFTHEYEAR

Cash and Bank Balance with RBI 14,116.37 11,926.63


Netcashandcashequivalentsattheendoftheyear 14,838.03 12,386.32





Director


F.R. No.000131N


F.R. No.004135S


F.R. No.000561N


M.No.081510


M.No. 208698


M.No.081810


F.R. No.301075E


F.R. No.321095E




M.No. 010534


M.No083927


M.No.049289


Place : Delhi

Date: May 25, 2015

CONSOLIDATEDCASHFLOWSTATEMENTFORTHEYEARENDEDMARCH31,2015

131


FORM ‘B’

PROXY FORM(To be filled in and signed by the shareholder)

8thAnnualGeneralMeetingFolio No. or DP Id # / Client-Id #

No. of Shares held

I/We, resident of in the

district of in the State of being a shareholder /shareholders of

Central bank of India hereby appoint Shri/Smt.

resident of

in the district of in the State of or failing him/

her, Shri/Smt. resident of in the district of

in the State of as my/our proxy to vote for me/us and

on my/our behalf at the 8th ANNUAL GENERAL MEETING of the shareholders of CENTRAL BANK OF INDIA to be held on

Tuesday, 30th June, 2015 at 11.00 AM at Sir Sorabji Pochkhanawala Banker’s Training College, Nr. Cooper Hospital/Reliance

Energy Office, JVPD Scheme, Vile Parle (West), Mumbai – 400 056 and at any adjournment thereof.

Signed this day of 2015.

Signature of the Proxy

Signature of the first named/ sole Shareholder

Name

(in Block Letters)

Address

CentralBankofIndiaHead Office : Chandermukhi, Nariman Point, Mumbai 400021

Please affix

revenue stamp

132


INSTRUCTIONS FOR SIGNING AND LODGING THE PROXY FORM1. No instrument of proxy shall be valid unless:

a) in the case of an individual shareholder, it is signed by him or by his/her attorney duly authorised in writing.

b) In case of joint holders, it is signed by the shareholder first named in the Register of Members or by his/her attorney,

duly authorised in writing.

c) In the case of a body corporate, it is signed by its officer or an attorney duly authorised in writing.

2. An instrument of Proxy shall be sufficiently signed by any shareholders who is for any reason , unable to write his/her

name, if his/her thumb impression is affixed thereto and attested by a Judge, Magistrate, Registrar or Sub-Registrar of

Assurance or other Government Gazetted Officer or an officer of Central Bank of India.

3. No Proxy shall be valid unless it is duly stamped and is deposited at the Head Office of the Bank situated at Chandermukhi,

Nariman Point, Mumbai, 400021 not less than four days before the date fixed for the meeting i.e. on or before 5.00 PM on

25th June, 2015, together with the Power of Attorney or other Authority (if any) under which it is signed or a copy of that

Power of Attorney or other Authority Certified as True Copy by a Notary Public or a Magistrate unless such a Power of

Attorney or any other Authority is previously deposited and registered with the Bank.

4. An instrument of Proxy deposited with the Bank shall be irrevocable and final.

5. In the case of an instrument of Proxy granted in favour of two grantees in the alternative, not more than one form shall be

executed.

6. The shareholders who have executed an instrument of Proxy shall not be entitled to vote in person at the meeting to which

such instrument relates.

7. No person shall be appointed a duly authorised representative or a proxy who is an officer or an employee of the Bank.

8. All alterations in the Proxy Form should be duly initialed by the executant.

9. No instrument of Proxy shall be valid unless it is in ‘Form B’.

133


ATTENDANCE SLIPAnnualGeneralMeeting–Tuesday,30thJune,2015

Regd. Folio/DPID & Client ID/No. of Shares

Name and address of the Member (In Block Letters)

Joint Holders

Name of the Proxy-holder/Representative Present in Block Letters (if any)

Signature of the Member/Proxy/ Representative Present

Day and Date Tuesday, 30th June, 2015

Place Sir Sorabji Pochkhanawala Banker’s Training College, Nr. Cooper Hospital/Reliance Energy Office, JVPD Scheme, Vile Parle (West), Mumbai – 400 056

Entry Pass(To be retained throughout the meeting)

Regd. Folio/DPID & Client ID/No. of Shares

Name of Member

No. of Shares

Name and signature of attending Member/ Bank Stamp and SignatureProxy/Authorised Representative Present

Shareholders/Proxy holders/Authorised Representatives are requested to produce this Attendance-slip-cum-Entry pass duly signed, for admission to the venue. The Entry pass portion will be handed back to the shareholders/Proxy holders/ Authorised Representatives, who should retain it till the conclusion of the meeting. The admission will, however, be subject to verification/checks, as may be deemed necessary. Under no circumstances, any duplicate Attendance slip-cum-Entry pass will be issued at the entrance to the meeting hall.

CentralBankofIndiaHeadOffice: Chandermukhi, Nariman Point, Mumbai 400021

Orie

nt P

ress

Ltd

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Abridged Annual Report 2014-15 - Central Bank of India AR...SHRI RAJEEV RISHI SHRI R.K. GOYAL SHRI...

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