"CSR" PROGRAM IN BANKING SECTOR: AN INDIAN PERSPECTIVE

7/23/2019 "CSR" PROGRAM IN BANKING SECTOR: AN INDIAN PERSPECTIVE

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bm|zm|gpd rdca |dotcgpkmn knpdo|gpd` knpm g ltrkndrr em`dc.&2+ BR\ zmckb{

lgrkbgcc{ wm|ir gr g rpgn`g|` ma ltkcp%kn# rdca%|dotcgpkno edbfgnkre gn`

dnrt|d pfdk| fg|emn{ wkpf cgw# dpfkbgc rpgn`g|`r# gn` knpd|ngpkmngc nm|er.

Pfd pf|dd id{r pm gn daadbpkqd BR\ zmckb{ g|d bmeekpednp# bcg|kp{ gn`

bmno|tdnbd wkpf bm|zm|gpd qgctdr. Bcg|kp{ kr gcc%kezm|pgnp ldbgtrd rmbkgc

|drzmnrklkckp{ kr g l|mg` pd|e# gn` kp ndd`r pm ld `dlgpd` gn` fgeed|d` mtp

pm eddp dgbf bmezgn{r bk|bterpgnbdr. Bmno|tdnbd kr glmtp dnrt|kno pfgp pfd

bmezgn{r gppkpt`d pm kpr |drzmnrklkckpkdr pmwg|`r rmbkdp{ kr bmnrkrpdnp wkpf pfd

wg{ kn wfkbf kp |tnr pfd wfmcd ltrkndrr# k.d. kpr qgctdr gn` btcpt|d.

Gn kezm|pgnp grzdbp ma bm|zm|gpd rmbkgc |drzmnrklkckp{ krRtrpgknglcd

@dqdcmzednp. Kp kr l|mg`c{ `daknd` gr pfd g`qgnbdednp ma dbmnmekb

`dqdcmzednp wfkcd egknpgknkno pfd tgckp{ ma dnqk|mnednpgc gn` rmbkgc

r{rpder. Knbm|zm|gpkno Dnqk|mnednpgc ! Rmbkgc &D!R+ krrtdr knpm `dqdcmzednp

kr kezm|pgnp ldbgtrd dnqk|mnednpgc |drmt|bdr z|mqk`d g lgrkr am| rmbkgc gn`

dbmnmekb `dqdcmzednp. Pfd z|knbkzcdr ma rtrpgknglcd `dqdcmzednp g|d

kezm|pgnp kn gcc kn`trp|kgc gn` bmeed|bkgc rdbpm|r# gr gcc gbpkqkpkdr fgqd pfd

zmpdnpkgc pm knactdnbd rmbkgc gn` dnqk|mnednpgc wdcag|d tgckp{. Pfd akngnbkgc

rdbpm| kr ma zg|pkbtcg| kezm|pgnbd# gr pfkr rdbpm| kr glcd pm gaadbp egn{ z|mhdbpr

gn` pfd `dqdcmzednp p|dn`r pfgp |drtcp a|me pfde.

Pfd|d kr etbf pfgp pfd akngnbkgc rdbpm| bgn `m pm grrkrp daam|pr pm

gbfkdqd rtrpgknglkckp{. Knpd|ngc daam|pr pm egid `g{%pm%`g{ mzd|gpkmnr bcdgnd|#

em|d daakbkdnp gn` rtzzm|pkqd ma rmbkgc rp|tbpt|dr bgn fdcz. Knpdo|gpkno qg|kmtr

krrtdr knpm rp|gpdokb mzd|gpkmnr kr gcrm kezm|pgnp. Kn pfkr wg{# akngnbkgc

knrpkptpkmnr nmp mnc{ dnrt|d pfgp knpd|ngc gbpkqkp{ kr rtrpgknglcd# ltp pfd{ bgn

gcrm fdcz akngnbkno kprdca pm fgqd em|d rtrpgknglcd `dqdcmzednp.

\LK otk`dckndr mn BR\ 8

Pm fkofckofp pfd |mcd ma lgnir kn bm|zm|gpd rmbkgc |drzmnrklkckp{ pfd \LK

bk|btcgpd` g nmpkbd mn@dbdeld|


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2. Nmn%Akngnbkgc \dzm|pkno.

L|kdakno glmtp pfd bm|zm|gpd rmbkgc |drzmnrklkckp{ z|mo|ge pm mpfd|

edeld| bmeed|bkgc lgnir \LK amccmwd` egn{ knpd|ngpkmngc knkpkgpkqdr

pm fkofckofp pfd kezm|pgnbd ma pfkr nmpkbd ckid

7. Tnkpd` Ngpkmnr Dnqk|mnednp Z|mo|ge Akngnbd Knkpkgpkqd&TNDZ AK+


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Dnqk|mnednpgc @do|g`gpkmn

D`wg|` Ctbd# pfd gtpfm| ma pfd lmmi pkpcd` /Kn Rzkpd ma pfd

Om`r/ wfkbf `dgcr wkpf pfd |krd ma Em`d|n Kn`kg# fgr |dad||d` pm

/wfmcdrgcd dnqk|mnednpgc `do|g`gpkmn/ gr pfd rdbmn` cg|od bfgccdnod

agbkno Kn`kg. Gbbm|`kno pm gtpfm| wfkcd Kn`kg gbbmtnpr am| 0$ ma pfd

ocmlgc bg|lmn%`kmvk`d dekrrkmnr# kpr rfg|d ma pfd |drzmnrklkckp{ am|

ocmlgc wg|ekno wkcc drbgcgpd |gzk`c{. Pfd tgckp{ ma gk| gn` wgpd| kn

Kn`kg kr `dbcknkno gr |gzk`c{ gr pfd dbmnme{ kr kez|mqkno &wkpfmtp ldkno

agbpm|d` kn gr g bmrp+. Pfd gtpfm| g|otdr pfgp Kn`kg rfmtc` `dqdcmz g

bmfd|dnp rp|gpdo{ am| pfd rgid ma lmpf kpr dnqk|mnednp gn` kpr dbmnme{.

Bg|lmn P|g`d

Pfd bmnbdzp ma bg|lmn b|d`kp bged knpm qmotd gr g zg|p ma gn

knpd|ngpkmngc go|ddednp zmztcg|c{ inmwn gr I{mpm Z|mpmbmc &IZ+. Pfd

IZ gker pm pgbicd ocmlgc wg|ekno l{ rdppkno pg|odp cdqdcr am| ngpkmnr pm

|d`tbd o|ddnfmtrd ogr dekrrkmnr wm|c`wk`d. Pfd rbfded gccmwr

`dqdcmzd` ngpkmn zmcctpd|r pm atn` dekrrkmnr btpr kn `dqdcmzkno

bmtnp|kdr# wfkbf kr bfdgzd| pfgn btppkno dekrrkmnr gp fmed.

Pfd|d g|d pf|dd acdvklkckp{ edbfgnkrer tn`d| pfd IZ# gr %

k+ Hmknp Kezcdednpgpkmn &HK+ G `dqdcmzd` bmtnp|{ wkpf |dcgpkqdc{

fkof bmrpr ma `medrpkb o|ddnfmtrd |d`tbpkmn wmtc` rdp tz g z|mhdbp kn

gnmpfd| `dqdcmzd` bmtnp|{.

kk+ Bcdgn @dqdcmzednp Edbfgnkre &B@E+. G `dqdcmzd` bmtnp|{

bgn rzmnrm| g o|ddnfmtrd ogr |d`tbpkmn z|mhdbp kn g `dqdcmzkno

bmtnp|{. Pfd B@E kr `drkond` pm eddp mlhdbpkqdr pm g``|drr pfd

rtrpgknglcd `dqdcmzednp ndd`r ma pfd fmrp bmtnp|{.

kkk+ Knpd|ngpkmngc Dekrrkmn P|g`kno -Bg|lmn P|g`kno &KDP+ %

Bmtnp|kdr bgn p|g`d kn pfd knpd|ngpkmngc bg|lmn b|d`kp eg|idp pm bmqd|

pfdk| rfm|pagcc kn gccmwgnbdr. Bmtnp|kdr wkpf rt|zctr b|d`kpr bgn rdcc

pfde pm bmtnp|kdr wkpf tgnpkakd` dekrrkmn ckekpgpkmn gn` |d`tbpkmn

bmeekpednpr tn`d| pfd I{mpm Z|mpmbmc.

Kn`kgn Rbdng|km

Kn`kg gbbd`d` pm pfd IZ kn Gtotrp#


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pm pfd I{mpm Z|mpmbmc. Fmwdqd|# kp bgn rdcc pfd Bg|lmn B|d`kp pm pfd

`dqdcmzd` bmtnp|kdr.

\LK ambtr mn BR\ 8

\LK grrkrpgnbd pm Egfkn`|g ! Egfkn`|g Akngnbkgc

Rd|qkbdr Cp`.&4+ Am| pfd {dg|


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zg|p ma \LK/r rp|gpdo{ pm z|mempd akngnbkgc ckpd|gb{ kn pfd

bmtnp|{. Pfd bmekb gker pm d`tbgpd pfd rbfmmc bfkc`|dn mn

kezm|pgnbd ma rgqkno am| atpt|d.

\drzmnrklcd Bm|zm|gpd Bkpkxdnr P fd \LK qkdw & 6+

Pgikno kn bmnrk`d|gpkmn wk`d bmnbd|nr mn bckegpd

bfgnod gn` ocmlgc wg|ekno# \drd|qd Lgni ma Kn`kg &\LK+ grid`

lgnir pm om o|ddn l{ pgikno daadbpkqd rpdzr pm at|pfd| pfd bgtrd

ma rtrpgknglcd `dqdcmzednp. Pfd lgnir g|d g`qkrd` pm

kezcdednp rtkpglcd gn` gzz|mz|kgpd zcgn ma gbpkmn pmwg|`

fdczkno pfd bgtrd ma rtrpgknglcd `dqdcmzednp. \LK gcrm grid`

lgnir pm zcgbd pfd knam|egpkmn glmtp pfdk| daam|pr pmwg|`

bm|zm|gpd rmbkgc |drzmnrklkckp{ &BR\+ gn` rtrpgknglcd

`dqdcmzednp kn pfd ztlckb `megkn gcmno wkpf pfdk| gnntgc

gbbmtnpr

P fd Dtgpm| Z|knbkzcdr & ;+

Kn @dbdeld|


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Lgnir rfmtc` egid rt|d pfgp pfd bmezgnkdr am| wfkbf

pfd{ g|d akngnbkno m| knqdrpkno knbt| pfd |krir pfgp pfd kezgbpr

`td pm pfdk| gnpk%dnqk|mnednpgc gbpr b|dgpd bgn ld cdogc#

akngnbkgc# gn` |dztpgpkmngc# gn` lgnir pfderdcqdr g|d

knb|dgrknoc{ gbbmtnpglcd am| pfd daadbpr pfdk| zm|pamckmr fgqd mn

pfd dnqk|mnednp gn` rmbkdp{. Pfd bmrpr pfgp bgn ld knbt||d` l{

g ltrkndrr mzd|gpkno wkpfmtp |dog|` pm dnqk|mnednpgc gn`

rmbkgc krrtdr knbct`d&7;+

Zmcctpkmn bcdgntz bmrpr

Akndr

knb|dgrd` wgrpd fgn`ckno bmrpr

Bmrpr a|me `gegod` grrdpr wkpf |d`tbd` qgctd

Cdogc bcgker

\dotcgpm|{ `dcg{r

|d`tbd` ztlckb |dog|`# gn` |d`tbd` rgcdr

Gr gn kezm|pgnp zcg{d| kn pfd Kn`kgn dbmnme{# pfd Lgnir

|dgckxd pfgp kpr |mcd rfmtc` dvpdn` ld{mn` pfd bmeed|bkgc

rdbpm| pm knbct`d pfd rmbkgc rdbpm| gr wdcc. Pfd o|mtz bgn

gbfkdqd kpr ekrrkmn l{ rtzzm|pkno knkpkgpkqdr pfgp g|d %

&7+ Bmrp daadbpkqd9

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Akngnbkgc knrpkptpkmnr bgn `m g cmp pm grrkrp daam|pr am|

bm|zm|gpd rmbkgc |drzmnrklkckp{ gn` gbfkdqd rtrpgknglkckp{.

Akngnbkgc knrpkptpkmnr nmp mnc{ dnrt|d pfgp knpd|ngc gbpkqkp{ kr

rtrpgknglcd# ltp pfd{ bgn gcrm fdcz akngnbkno kprdca ldbmed

em|d rtrpgknglcd.

Rtrpgknglcd akngnbd rfmtc` ld z|mempd`.R\K &rtrpgknglcd

gn` |drzmnrklcd knqdrpednp-rmbkgcc{ |drzmnrklcd knqdrpednp+ kr

gn knqdrpednp rp|gpdo{ pfgp k`dnpkakdr knqdrpednp pg|odpr pfgp

bg||{ ndp D!R ldndakpr# m| nm ndp D!R `dp|kednp# gr wdcc gr

z|mqk`d akngnbkgc o|mwpf. Rmtn` akngnbkno ma rtrpgknglcd

dbmnme{ bgn ld z|mempd` l{ pfd lgnir kprdca. G cmp em|d bgn

ld `mnd l{ lgni rm gr pm z|gbpkbd pfd bm|zm|gpd rmbkgc

|drzmnrklkckp{.

Pfd amccmw tz ma pfd Dtgpm| Z|knbkzcdr gn` mpfd| BR\

rtzzm|pkno edgrt|dr rfgcc ld rp|kbpc{ `dgcp gn` kezcdednpd`.

Tnpkc gn` tncdrr dnqk|mnednpgc gtpfm|kpkdr g|d rd|kmtr gn`

rp|kbpd| glmtp pfkr# pfd akngnbkgc knrpkptpkmn wkcc agbd g cmp ma

z|mlcder.

Pfd|d wmtc` ld odnd|gc rmbkgc gn` dbmnmekb ldndakpr pfgp

wmtc` gbb|td pm rmbkdp{# ka ltrkndrr |dbmonkxd` l|mg`d| rmbkgc

omgcr kn kpr `dbkrkmnr.

\dad|dnbdr %

7+ fppz8--dn.wkikzd`kg.m|o-wkik-\drd|qd]Lgni]ma]Kn`kg


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"CSR" PROGRAM IN BANKING SECTOR: AN INDIAN PERSPECTIVE

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